/*
Theme Name: TAIPA Modern
Theme URI: https://taipa.org/
Author: OpenAI
Description: Responsive TAIPA homepage theme converted from supplied HTML prototype.
Version: 1.0.0
Requires at least: 6.0
Tested up to: 6.8
Requires PHP: 7.4
Text Domain: taipa-modern
*/

:root{
  --navy:#0B2545; --navy-deep:#071A33; --navy-soft:#123A66;
  --gold:#C99C3F; --gold-soft:#E7C77E; --gold-pale:#F5EBD3;
  --bg:#F7F5F0; --card:#FFFFFF; --ink:#1A2433; --muted:#5A6675;
  --line:#E4DFD3; --red:#A93226; --green:#2E6E4E;
  --radius:14px;
  --shadow:0 10px 30px rgba(11,37,69,.08);
  --shadow-lg:0 22px 55px rgba(11,37,69,.16);
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto} .reveal{transition:none!important;opacity:1!important;transform:none!important}}
body{font-family:'Public Sans',Segoe UI,Arial,sans-serif;background:var(--bg);color:var(--ink);line-height:1.6;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
a{color:inherit}
.skip-link{position:absolute;left:-999px;top:8px;background:var(--gold);color:var(--navy);padding:10px 18px;font-weight:700;z-index:2000;border-radius:6px}
.skip-link:focus{left:12px}
:focus-visible{outline:3px solid var(--gold);outline-offset:2px}

/* ---------- Utility bar ---------- */
.utility{background:var(--navy-deep);color:#C7D3E4;font-size:.82rem}
.utility-in{max-width:1200px;margin:0 auto;padding:8px 24px;display:flex;justify-content:space-between;align-items:center;gap:14px;flex-wrap:wrap}
.utility .assoc-name{font-size:.78rem;font-weight:600;letter-spacing:.08em;color:#C7D3E4;white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
.utility a{color:#C7D3E4;text-decoration:none;display:inline-flex;align-items:center;gap:7px;transition:color .2s;white-space:nowrap}
.utility a:hover{color:var(--gold-soft)}
.utility .right{display:flex;gap:20px;align-items:center;flex-wrap:wrap}
.utility .easi-btn{background:var(--gold);color:var(--navy-deep);font-weight:700;padding:7px 16px;border-radius:99px;text-decoration:none;display:inline-flex;align-items:center;gap:6px;transition:transform .2s,box-shadow .2s}
.utility .easi-btn:hover{transform:translateY(-1px);box-shadow:0 6px 18px rgba(201,156,63,.4);color:var(--navy-deep)}

/* ---------- Header ---------- */
header.site{position:sticky;top:0;z-index:1000;background:rgba(255,255,255,.96);backdrop-filter:blur(10px);border-bottom:1px solid var(--line);transition:box-shadow .3s}
header.site.scrolled{box-shadow:0 6px 24px rgba(11,37,69,.10)}
.nav-in{max-width:1200px;margin:0 auto;padding:0 24px;display:flex;align-items:center;justify-content:space-between;height:76px;gap:16px;flex-wrap:nowrap}
.brand{display:flex;align-items:center;gap:13px;text-decoration:none}
.brand .mark{width:46px;height:46px;flex:none;border-radius:12px;background:var(--navy);display:flex;align-items:center;justify-content:center;box-shadow:0 4px 14px rgba(11,37,69,.25)}
.brand .mark svg{width:30px;height:30px}
.brand .bt{line-height:1.15}
.brand .bt b{display:block;font-size:1.06rem;letter-spacing:.04em;color:var(--navy)}
.brand .bt span{font-size:.66rem;letter-spacing:.14em;text-transform:uppercase;color:var(--muted)}
nav.main{display:flex;align-items:center;gap:2px}
nav.main>.item{position:relative}
nav.main .lvl1{display:inline-flex;align-items:center;gap:5px;padding:26px 11px;font-size:.88rem;font-weight:600;color:var(--ink);text-decoration:none;background:none;border:none;cursor:pointer;transition:color .2s;white-space:nowrap}
nav.main .lvl1:hover,nav.main .lvl1[aria-expanded="true"]{color:var(--navy-soft)}
nav.main .lvl1 svg{width:10px;height:10px;transition:transform .25s}
nav.main .item.open .lvl1 svg{transform:rotate(180deg)}
.mega{position:absolute;top:100%;left:0;min-width:250px;background:var(--card);border:1px solid var(--line);border-radius:12px;box-shadow:var(--shadow-lg);padding:12px;opacity:0;visibility:hidden;transform:translateY(10px);transition:opacity .25s,transform .25s,visibility .25s}
nav.main .item.open .mega,nav.main .item:focus-within .mega{opacity:1;visibility:visible;transform:translateY(4px)}
.mega a{display:block;padding:9px 12px;border-radius:8px;font-size:.88rem;text-decoration:none;color:var(--ink);transition:background .2s,padding-left .2s}
.mega a:hover{background:var(--gold-pale);padding-left:16px;color:var(--navy)}
.nav-cta{display:inline-flex;align-items:center;gap:8px;background:var(--navy);color:#fff;font-weight:700;font-size:.9rem;padding:12px 22px;border-radius:99px;text-decoration:none;transition:transform .2s,box-shadow .2s,background .2s}
.nav-cta:hover{transform:translateY(-2px);box-shadow:0 10px 24px rgba(11,37,69,.35);color:#fff;background:var(--navy-soft)}
.burger{display:none;background:none;border:none;padding:10px;cursor:pointer}
.burger svg{width:26px;height:26px;color:var(--navy)}

/* ---------- Hero ---------- */
.hero{position:relative;min-height:88vh;display:flex;align-items:center;color:#fff;overflow:hidden;background:var(--navy-deep)}
.hero video{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;z-index:0}
.hero .shade{position:absolute;inset:0;z-index:1;background:linear-gradient(100deg,rgba(7,26,51,.92) 8%,rgba(7,26,51,.72) 46%,rgba(7,26,51,.38) 100%)}
.hero .shade2{position:absolute;inset:0;z-index:1;background:linear-gradient(to top,rgba(7,26,51,.85),transparent 45%)}
.hero-in{position:relative;z-index:2;max-width:1200px;margin:0 auto;padding:110px 24px 90px;width:100%}
.eyebrow{display:inline-flex;align-items:center;gap:10px;font-size:.78rem;letter-spacing:.22em;text-transform:uppercase;color:var(--gold-soft);font-weight:700;margin-bottom:22px}
.eyebrow::before{content:"";width:34px;height:2px;background:var(--gold)}
.hero h1{font-family:'Source Serif 4',Georgia,serif;font-size:clamp(2.1rem,4.6vw,3.7rem);line-height:1.12;max-width:840px;font-weight:600;margin-bottom:22px}
.hero h1 em{font-style:italic;color:var(--gold-soft)}
.hero p.lead{max-width:620px;font-size:1.08rem;color:#D9E2EE;margin-bottom:34px}
.hero .ctas{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:52px}
.btn{display:inline-flex;align-items:center;gap:10px;font-weight:700;text-decoration:none;border-radius:10px;padding:15px 28px;font-size:.95rem;transition:transform .2s,box-shadow .2s,background .2s;cursor:pointer;border:none}
.btn svg{width:17px;height:17px;transition:transform .25s}
.btn:hover svg{transform:translateX(4px)}
.btn-gold{background:var(--gold);color:var(--navy-deep)}
.btn-gold:hover{transform:translateY(-3px);box-shadow:0 14px 34px rgba(201,156,63,.45)}
.btn-ghost{background:rgba(255,255,255,.10);color:#fff;border:1px solid rgba(255,255,255,.35)}
.btn-ghost:hover{background:rgba(255,255,255,.2);transform:translateY(-3px)}
.btn-navy{background:var(--navy);color:#fff}
.btn-navy:hover{transform:translateY(-3px);box-shadow:0 14px 30px rgba(11,37,69,.35)}
.hero .facts{display:flex;gap:34px;flex-wrap:wrap;border-top:1px solid rgba(255,255,255,.18);padding-top:26px;max-width:860px}
.hero .fact{min-width:170px}
.hero .fact b{display:block;font-size:1.55rem;font-family:'Source Serif 4',Georgia,serif;color:var(--gold-soft)}
.hero .fact span{font-size:.8rem;color:#C7D3E4;letter-spacing:.03em}
.scroll-hint{position:absolute;z-index:3;bottom:22px;left:50%;transform:translateX(-50%);color:#fff;opacity:.75;font-size:.72rem;letter-spacing:.2em;text-transform:uppercase;display:flex;flex-direction:column;align-items:center;gap:6px;text-decoration:none}
.scroll-hint .mouse{width:24px;height:38px;border:2px solid rgba(255,255,255,.7);border-radius:14px;position:relative}
.scroll-hint .mouse::after{content:"";position:absolute;top:7px;left:50%;margin-left:-2px;width:4px;height:8px;border-radius:3px;background:var(--gold);animation:wheel 1.6s infinite}
@keyframes wheel{0%{opacity:1;transform:translateY(0)}70%{opacity:0;transform:translateY(12px)}100%{opacity:0}}

/* ---------- Ticker ---------- */
.ticker{background:var(--navy);color:#E9EDF4;overflow:hidden;border-bottom:1px solid rgba(255,255,255,.08)}
.ticker .lbl{position:absolute}
.ticker-wrap{max-width:1200px;margin:0 auto;display:flex;align-items:stretch}
.ticker .tag{flex:none;background:var(--gold);color:var(--navy-deep);font-weight:800;font-size:.72rem;letter-spacing:.16em;text-transform:uppercase;padding:11px 18px;display:flex;align-items:center;gap:8px}
.ticker .track{flex:1;overflow:hidden;position:relative;height:41px;display:flex;align-items:center}
.ticker .belt{display:flex;gap:60px;white-space:nowrap;animation:belt 42s linear infinite;padding-left:30px}
.ticker:hover .belt{animation-play-state:paused}
.ticker .belt a{color:#E9EDF4;text-decoration:none;font-size:.85rem;display:inline-flex;gap:8px;align-items:center}
.ticker .belt a b{color:var(--gold-soft)}
.ticker .belt a:hover{color:var(--gold-soft)}
@keyframes belt{from{transform:translateX(0)}to{transform:translateX(-50%)}}
@media (prefers-reduced-motion:reduce){.ticker .belt{animation:none}}

/* ---------- Sections base ---------- */
section.block{padding:92px 0}
.sec-in{max-width:1200px;margin:0 auto;padding:0 24px}
.sec-head{max-width:760px;margin-bottom:52px}
.sec-head.center{margin-left:auto;margin-right:auto;text-align:center}
.kicker{display:inline-flex;align-items:center;gap:10px;font-size:.74rem;font-weight:800;letter-spacing:.22em;text-transform:uppercase;color:var(--navy-soft);margin-bottom:14px}
.kicker::before{content:"";width:30px;height:2px;background:var(--gold)}
.kicker.center::before{display:none}
.kicker.center{background:var(--gold-pale);padding:7px 16px;border-radius:99px}
.sec-head h2{font-family:'Source Serif 4',Georgia,serif;font-size:clamp(1.7rem,3.3vw,2.5rem);line-height:1.15;color:var(--navy);margin-bottom:14px;font-weight:600}
.sec-head p{color:var(--muted);font-size:1.02rem}
.reveal{opacity:0;transform:translateY(28px);transition:opacity .7s ease,transform .7s ease}
.reveal.in{opacity:1;transform:none}
.d1{transition-delay:.08s}.d2{transition-delay:.16s}.d3{transition-delay:.24s}.d4{transition-delay:.32s}

/* ---------- Audience cards ---------- */
.aud-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.aud{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:34px 30px;position:relative;overflow:hidden;transition:transform .3s,box-shadow .3s;display:flex;flex-direction:column}
.aud::before{content:"";position:absolute;top:0;left:0;right:0;height:4px;background:linear-gradient(90deg,var(--gold),var(--gold-soft));transform:scaleX(0);transform-origin:left;transition:transform .35s}
.aud:hover{transform:translateY(-6px);box-shadow:var(--shadow-lg)}
.aud:hover::before{transform:scaleX(1)}
.aud .ico{width:54px;height:54px;border-radius:14px;background:var(--navy);display:flex;align-items:center;justify-content:center;margin-bottom:20px}
.aud .ico svg{width:28px;height:28px;color:var(--gold-soft)}
.aud h3{font-size:1.22rem;color:var(--navy);margin-bottom:10px}
.aud p{font-size:.92rem;color:var(--muted);margin-bottom:18px}
.aud ul{list-style:none;margin-bottom:22px;display:grid;gap:9px}
.aud ul a{display:inline-flex;align-items:center;gap:8px;font-size:.9rem;font-weight:600;color:var(--navy);text-decoration:none;transition:color .2s,gap .2s}
.aud ul a::before{content:"›";color:var(--gold);font-weight:800}
.aud ul a:hover{color:var(--gold);gap:12px}
.aud .go{margin-top:auto;align-self:flex-start;font-weight:700;font-size:.9rem;text-decoration:none;color:var(--navy);display:inline-flex;align-items:center;gap:8px;border-top:1px solid var(--line);padding-top:16px;width:100%;transition:color .2s}
.aud .go:hover{color:var(--gold)}
.aud .go svg{width:15px;height:15px}

/* ---------- Process ---------- */
.process{background:var(--navy);color:#fff;position:relative;overflow:hidden}
.process::after{content:"";position:absolute;right:-140px;top:-140px;width:460px;height:460px;border-radius:50%;border:70px solid rgba(201,156,63,.08)}
.process .sec-head h2{color:#fff}
.process .sec-head p{color:#B9C6D8}
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;position:relative;z-index:1}
.step{background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.14);border-radius:var(--radius);padding:28px 24px;position:relative;transition:transform .3s,background .3s,border-color .3s}
.step:hover{transform:translateY(-6px);background:rgba(255,255,255,.09);border-color:var(--gold)}
.step .num{font-family:'Source Serif 4',Georgia,serif;font-size:2.6rem;color:var(--gold);line-height:1;margin-bottom:14px;display:block}
.step h3{font-size:1.02rem;margin-bottom:9px}
.step p{font-size:.85rem;color:#B9C6D8}

/* ---------- Limits ---------- */
.limits{background:linear-gradient(180deg,var(--bg),#F1ECE0)}
.limit-wrap{display:grid;grid-template-columns:1.05fr 1fr;gap:48px;align-items:center}
.limit-cards{display:grid;gap:18px}
.lcard{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:24px 26px;display:flex;align-items:center;gap:22px;box-shadow:var(--shadow);transition:transform .3s,box-shadow .3s}
.lcard:hover{transform:translateX(8px);box-shadow:var(--shadow-lg)}
.lcard .amt{font-family:'Source Serif 4',Georgia,serif;font-size:2.5rem;font-weight:600;color:var(--navy);min-width:170px}
.lcard .amt small{display:block;font-family:'Public Sans';font-size:.72rem;color:var(--muted);letter-spacing:.12em;text-transform:uppercase;margin-top:2px}
.lcard .txt{font-size:.88rem;color:var(--muted)}
.note-band{margin-top:22px;background:var(--gold-pale);border:1px solid var(--gold-soft);border-radius:12px;padding:14px 18px;font-size:.86rem;color:#6B5114;display:flex;gap:10px;align-items:flex-start}
.note-band svg{flex:none;width:18px;height:18px;margin-top:2px}

/* ---------- Agent search ---------- */
.agent-sec{background:var(--card);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.agent-wrap{display:grid;grid-template-columns:1fr 1.1fr;gap:56px;align-items:center}
.agent-card{background:var(--navy);border-radius:18px;padding:40px;color:#fff;box-shadow:var(--shadow-lg);position:relative;overflow:hidden}
.agent-card::before{content:"";position:absolute;top:-70px;right:-70px;width:220px;height:220px;border-radius:50%;background:rgba(201,156,63,.15)}
.agent-card h3{font-family:'Source Serif 4',Georgia,serif;font-size:1.5rem;font-weight:600;margin-bottom:10px;position:relative}
.agent-card p{font-size:.9rem;color:#B9C6D8;margin-bottom:26px;position:relative}
.agent-card form{display:flex;gap:10px;position:relative;flex-wrap:wrap}
.agent-card input{flex:1;min-width:220px;padding:15px 18px;border-radius:10px;border:none;font-size:.95rem;font-family:inherit}
.agent-card button{background:var(--gold);color:var(--navy-deep);font-weight:800;border:none;padding:15px 26px;border-radius:10px;font-size:.95rem;cursor:pointer;transition:transform .2s,box-shadow .2s;display:inline-flex;align-items:center;gap:8px}
.agent-card button:hover{transform:translateY(-2px);box-shadow:0 10px 26px rgba(201,156,63,.5)}
.agent-card .hint{margin-top:14px;font-size:.76rem;color:#8FA2BB;position:relative}

/* ---------- Forms & documents ---------- */
.fgrid{display:grid;grid-template-columns:repeat(auto-fill,minmax(250px,1fr));gap:18px}
.fcard{display:flex;gap:16px;align-items:flex-start;background:var(--card);border:1px solid var(--line);border-radius:12px;padding:20px;text-decoration:none;transition:transform .25s,box-shadow .25s,border-color .25s}
.fcard:hover{transform:translateY(-5px);box-shadow:var(--shadow-lg);border-color:var(--gold)}
.fcard .fi{flex:none;width:42px;height:42px;border-radius:10px;background:var(--gold-pale);display:flex;align-items:center;justify-content:center}
.fcard .fi svg{width:22px;height:22px;color:#8a6a1e}
.fcard b{display:block;font-size:.92rem;color:var(--navy);margin-bottom:3px}
.fcard span{font-size:.76rem;color:var(--muted)}
.doc-band{margin-top:30px;display:flex;gap:16px;flex-wrap:wrap;justify-content:center}
.doc-band a{background:var(--navy);color:#fff;text-decoration:none;font-size:.88rem;font-weight:600;padding:13px 22px;border-radius:10px;display:inline-flex;align-items:center;gap:9px;transition:transform .2s,background .2s}
.doc-band a:hover{transform:translateY(-3px);background:var(--navy-soft)}
.doc-band svg{width:16px;height:16px}

/* ---------- Committee ---------- */
.comm-sec{background:var(--navy);color:#fff}
.comm-sec .sec-head h2{color:#fff}
.comm-sec .sec-head p{color:#B9C6D8}
.comm-groups{display:grid;gap:26px}
.cgroup h3{font-size:.8rem;letter-spacing:.2em;text-transform:uppercase;color:var(--gold-soft);margin-bottom:14px;display:flex;align-items:center;gap:12px}
.cgroup h3::after{content:"";flex:1;height:1px;background:rgba(255,255,255,.14)}
.chips{display:grid;grid-template-columns:repeat(auto-fill,minmax(255px,1fr));gap:12px}
.chip{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.12);border-radius:12px;padding:14px 16px;transition:background .25s,transform .25s,border-color .25s}
.chip:hover{background:rgba(255,255,255,.11);transform:translateY(-3px);border-color:var(--gold)}
.chip b{display:block;font-size:.92rem}
.chip span{font-size:.78rem;color:#B9C6D8}
.chip .role{display:inline-block;margin-top:7px;font-size:.66rem;font-weight:800;letter-spacing:.1em;text-transform:uppercase;color:var(--navy-deep);background:var(--gold);border-radius:99px;padding:3px 10px}

/* ---------- Notices ---------- */
.notices{display:grid;gap:16px;max-width:880px;margin:0 auto}
.notice{background:var(--card);border:1px solid var(--line);border-left:4px solid var(--red);border-radius:12px;padding:24px 26px;display:grid;grid-template-columns:110px 1fr auto;gap:18px;align-items:start;transition:transform .25s,box-shadow .25s}
.notice:hover{transform:translateY(-4px);box-shadow:var(--shadow-lg)}
.notice.gold{border-left-color:var(--gold)}
.notice.navy{border-left-color:var(--navy-soft)}
.notice time{font-size:.78rem;font-weight:800;color:var(--muted);letter-spacing:.05em;text-transform:uppercase}
.notice b{display:block;font-size:1rem;color:var(--navy);margin-bottom:5px}
.notice p{font-size:.87rem;color:var(--muted)}
.notice .more{font-size:.84rem;font-weight:700;color:var(--navy);text-decoration:none;white-space:nowrap;align-self:center;display:inline-flex;gap:6px;align-items:center}
.notice .more:hover{color:var(--gold)}

/* ---------- FAQ ---------- */
.faq-list{max-width:820px;margin:0 auto;display:grid;gap:12px}
.faq{background:var(--card);border:1px solid var(--line);border-radius:12px;overflow:hidden;transition:border-color .25s,box-shadow .25s}
.faq[open],.faq.expanded{border-color:var(--gold);box-shadow:var(--shadow)}
.faq button.q{width:100%;display:flex;justify-content:space-between;align-items:center;gap:16px;background:none;border:none;padding:20px 24px;font-size:1rem;font-weight:700;color:var(--navy);text-align:left;cursor:pointer;font-family:inherit}
.faq button.q:hover{color:var(--gold)}
.faq .chev{flex:none;width:28px;height:28px;border-radius:50%;background:var(--gold-pale);display:flex;align-items:center;justify-content:center;transition:transform .3s}
.faq .chev svg{width:14px;height:14px;color:var(--navy)}
.faq.expanded .chev{transform:rotate(180deg);background:var(--gold)}
.faq .a{max-height:0;overflow:hidden;transition:max-height .45s ease}
.faq .a-in{padding:0 24px 22px;font-size:.92rem;color:var(--muted)}
.faq .a-in a{color:var(--navy-soft);font-weight:600}

/* ---------- Subscribe ---------- */
.sub-sec{background:linear-gradient(120deg,var(--navy-deep),var(--navy));color:#fff;position:relative;overflow:hidden}
.sub-sec::before{content:"";position:absolute;left:-120px;bottom:-160px;width:420px;height:420px;border-radius:50%;border:60px solid rgba(201,156,63,.09)}
.sub-wrap{display:grid;grid-template-columns:1fr 1fr;gap:50px;align-items:center;position:relative;z-index:1}
.sub-wrap h2{font-family:'Source Serif 4',Georgia,serif;font-size:clamp(1.6rem,3vw,2.3rem);font-weight:600;margin-bottom:14px}
.sub-wrap p{color:#B9C6D8;font-size:.95rem;max-width:460px}
.sub-form{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.15);border-radius:16px;padding:34px}
.sub-form .row{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-bottom:14px}
.sub-form input{width:100%;padding:14px 16px;border-radius:10px;border:1px solid rgba(255,255,255,.22);background:rgba(255,255,255,.92);font-size:.92rem;font-family:inherit}
.sub-form button{width:100%;margin-top:6px;background:var(--gold);color:var(--navy-deep);border:none;font-weight:800;font-size:.95rem;padding:15px;border-radius:10px;cursor:pointer;display:inline-flex;justify-content:center;align-items:center;gap:10px;transition:transform .2s,box-shadow .2s}
.sub-form button:hover{transform:translateY(-2px);box-shadow:0 12px 30px rgba(201,156,63,.45)}
.sub-form .msg{margin-top:14px;font-size:.86rem;border-radius:10px;padding:13px 16px;display:none}
.sub-form .msg.ok{display:block;background:rgba(46,110,78,.25);border:1px solid #4C9B72;color:#CFF0DD}
.sub-form .msg.err{display:block;background:rgba(169,50,38,.25);border:1px solid #C46B60;color:#F5D9D4}

/* ---------- Footer ---------- */
footer.site{background:var(--navy-deep);color:#97A8BE;font-size:.88rem}
.foot-in{max-width:1200px;margin:0 auto;padding:64px 24px 30px}
.foot-grid{display:grid;grid-template-columns:1.3fr 1fr 1fr 1fr;gap:40px;padding-bottom:44px;border-bottom:1px solid rgba(255,255,255,.1)}
.foot-grid h4{color:#fff;font-size:.8rem;letter-spacing:.18em;text-transform:uppercase;margin-bottom:16px}
.foot-grid ul{list-style:none;display:grid;gap:10px}
.foot-grid a{color:#97A8BE;text-decoration:none;transition:color .2s,padding-left .2s}
.foot-grid a:hover{color:var(--gold-soft);padding-left:5px}
.foot-brand .brand .bt b{color:#fff}
.foot-brand p{margin-top:16px;max-width:300px;font-size:.84rem}
.foot-contact li{display:flex;gap:10px;align-items:flex-start}
.foot-contact svg{width:15px;height:15px;color:var(--gold);flex:none;margin-top:4px}
.foot-low{display:flex;justify-content:space-between;gap:16px;padding-top:24px;flex-wrap:wrap;font-size:.78rem}
.foot-low a{color:#97A8BE;text-decoration:none}
.foot-low a:hover{color:var(--gold-soft)}

/* ---------- Floating ---------- */
.to-top{position:fixed;bottom:26px;right:26px;width:50px;height:50px;border-radius:14px;background:var(--navy);color:#fff;display:flex;align-items:center;justify-content:center;border:none;cursor:pointer;opacity:0;visibility:hidden;transform:translateY(14px);transition:all .35s;z-index:900;box-shadow:var(--shadow-lg)}
.to-top.show{opacity:1;visibility:visible;transform:none}
.to-top:hover{background:var(--navy-soft)}
.to-top svg{width:20px;height:20px}

/* ---------- Responsive header ---------- */
@media (max-width:1400px){
  nav.main .lvl1{padding:26px 9px;font-size:.84rem}
  .nav-cta{padding:11px 18px;font-size:.85rem}
  header.site .brand .bt b{font-size:1rem}
}
@media (max-width:1259px){
  nav.main{display:none}
  .nav-cta{display:none}
  .burger{display:block}
  .nav-in{height:66px}
}
@media (max-width:900px){
  .utility .assoc-name{display:none}
}
@media (max-width:680px){
  header.site .brand .mark{width:38px;height:38px}
  header.site .brand .bt b{font-size:.95rem}
  .utility{font-size:.76rem}
}
@media (max-width:560px){
  .utility .u-mail{display:none}
}

/* ---------- Mobile ---------- */
.mobile-menu{position:fixed;inset:0;background:var(--navy-deep);z-index:1500;padding:26px;overflow-y:auto;transform:translateX(100%);transition:transform .35s ease}
.mobile-menu.open{transform:none}
.mobile-menu .top{display:flex;justify-content:space-between;align-items:center;margin-bottom:26px}
.mobile-menu .top .bt b{color:#fff;display:block;font-size:1.05rem;letter-spacing:.04em}
.mobile-menu .top .bt span{font-size:.64rem;letter-spacing:.14em;text-transform:uppercase;color:#8FA2BB}
.mobile-menu .x{background:none;border:none;color:#fff;cursor:pointer;padding:8px}
.mobile-menu .x svg{width:26px;height:26px}
.mobile-menu a.mlink{display:block;padding:15px 4px;color:#E6ECF4;text-decoration:none;font-weight:600;font-size:1.02rem;border-bottom:1px solid rgba(255,255,255,.1)}
.mobile-menu a.mlink:hover{color:var(--gold-soft)}
.mobile-menu .mgroup{font-size:.68rem;letter-spacing:.2em;text-transform:uppercase;color:var(--gold);font-weight:800;margin:22px 0 4px}
.mobile-menu .mcta{margin-top:24px;display:grid;gap:12px}
.mobile-menu .mcta .btn{justify-content:center}

@media (max-width:1020px){
  .aud-grid{grid-template-columns:1fr}
  .steps{grid-template-columns:repeat(2,1fr)}
  .limit-wrap,.agent-wrap,.sub-wrap{grid-template-columns:1fr;gap:34px}
  .foot-grid{grid-template-columns:1fr 1fr}
}
@media (max-width:620px){
  .steps{grid-template-columns:1fr}
  .notice{grid-template-columns:1fr}
  .notice .more{justify-self:start}
  .sub-form .row{grid-template-columns:1fr}
  .foot-grid{grid-template-columns:1fr}
  .utility .right span.hide-sm{display:none}
  .hero-in{padding:80px 20px 100px}
  .hero .facts{gap:20px}
  .hero .fact{min-width:130px}
}

/* WordPress admin and fallback content helpers */
body.admin-bar header.site { top: 32px; }
.generic-content { padding: 60px 0; min-height: 50vh; }
.generic-content .sec-in { max-width: 1200px; margin: 0 auto; padding: 0 24px; }
@media (max-width: 782px) { body.admin-bar header.site { top: 46px; } }