/* ============================================================
   INSTITUTIONAL TEMPLATE — navy / gold, formal, sharp corners
   (adapted from the "Meridian Lending" design — brand-agnostic,
   all colors/type/layout preserved exactly)
   ============================================================ */
:root{
  --navy:#0b2440;
  --navy-2:#123255;
  --navy-d:#071a30;
  --gold:#c9a227;
  --gold-d:#ab8a1c;
  /* text-on-light only. Do NOT darken --gold-d for this: .btn-gold:hover uses it as a
     background and sits at 4.76:1, so darkening it would break the primary CTA. */
  --gold-ink:#806713;
  --gold-tint:#faf4e2;
  --ink:#0b2440;
  --body:#4a5c73;
  --muted:#6b7d94;
  --line:#dbe3ec;
  --line-2:#b9c6d6;
  --paper:#ffffff;
  --tint:#f2f6fa;
  --green:#0f7a45;
  --red:#c0392b;
  /* custom select aliases */
  --cs-accent:var(--navy);--cs-accent-d:var(--navy-d);
  --cs-ink:var(--ink);--cs-body:var(--body);--cs-muted:var(--muted);
  --cs-border:var(--line-2);--cs-field-bg:var(--paper);--cs-card:var(--paper);
  --cs-on-accent:var(--gold);--cs-red:var(--red);
  --cs-shadow:0 8px 24px rgba(11,36,64,.12);
  --cs-radius:3px;--cs-panel-radius:4px;--cs-opt-radius:3px;
  --cs-border-w:1px;--cs-pad:12px 13px;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{
  font-family:Inter,-apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif;
  background:var(--paper);color:var(--body);line-height:1.6;
  -webkit-font-smoothing:antialiased;overflow-x:hidden;font-size:16px;
}
h1,h2,h3,h4{font-family:'Source Serif 4',Georgia,serif;color:var(--ink);line-height:1.14;font-weight:700;letter-spacing:-.01em;overflow-wrap:break-word}
a{color:var(--navy);text-decoration:none}
.shell{max-width:1160px;margin:0 auto;padding:0 24px}
.shell.tight{max-width:900px}
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:.5rem;
  font-family:inherit;font-weight:700;font-size:15px;cursor:pointer;border:1px solid transparent;
  border-radius:3px;padding:13px 26px;transition:background .16s,color .16s;text-decoration:none;
}
.btn-gold{background:var(--gold);color:var(--navy)}
.btn-gold:hover{background:var(--gold-d)}
.btn-navy{background:var(--navy);color:#fff}
.btn-navy:hover{background:var(--navy-2)}
/* --line-2 gave the only visible boundary 1.6:1 — the control read as plain text */
.btn-outline{background:transparent;color:var(--navy);border-color:var(--muted)}
/* --tint hover was a no-op inside .wnav, which is itself --tint */
.btn-outline:hover{border-color:var(--navy);background:var(--gold-tint)}
.btn-sm{padding:10px 20px;font-size:13.5px}
/* gold ring was 2.4:1 on white / 2.2:1 on tint — keep gold only on the dark bands */
:focus-visible{outline:2px solid var(--navy);outline-offset:2px}
.util :focus-visible,.cta :focus-visible,.page-hero :focus-visible,
.bottom-cta :focus-visible,.site-ft :focus-visible,.panel-hd :focus-visible,
.stepper-hd :focus-visible{outline-color:var(--gold)}

/* utility + header */
.util{background:var(--navy-d);color:#9fb3cc;font-size:12.5px}
.util .shell{display:flex;justify-content:space-between;align-items:center;height:36px;gap:14px}
/* was the exact color of the surrounding text with no underline — zero affordance */
.util a{color:#fff;text-decoration:underline;text-underline-offset:2px}
.util a:hover{color:var(--gold)}
.site-hd{background:#fff;border-bottom:2px solid var(--navy);position:sticky;top:0;z-index:60}
.hd-inner{display:flex;align-items:center;justify-content:space-between;height:70px}
.brand{display:flex;align-items:center;gap:11px;font-family:'Source Serif 4',Georgia,serif;font-weight:700;font-size:20px;color:var(--navy)}
.crest{
  width:32px;height:37px;flex:none;background:var(--navy);
  clip-path:polygon(50% 0,100% 22%,100% 62%,50% 100%,0 62%,0 22%);
  display:flex;align-items:center;justify-content:center;color:var(--gold);font-size:14px;font-weight:800;
  font-family:Inter,sans-serif;
}
.hd-nav{display:flex;align-items:center;gap:26px;font-size:14px;font-weight:600}
.hd-nav a:not(.btn){color:var(--body)}
.hd-nav a:not(.btn):hover{color:var(--navy)}
.burger{display:none;background:none;border:0;cursor:pointer;padding:8px}
.burger span{display:block;width:23px;height:2px;background:var(--navy);margin:5px 0}

/* hero */
.hero{padding:52px 0 46px;background:linear-gradient(180deg,var(--tint),#fff)}
.hero-grid{display:grid;grid-template-columns:1.12fr .88fr;gap:52px;align-items:start}
.kicker{font-size:11.5px;font-weight:700;letter-spacing:.13em;text-transform:uppercase;color:var(--gold-ink);margin-bottom:13px;font-family:Inter,sans-serif}
.hero h1{font-size:clamp(30px,4.2vw,46px);margin-bottom:16px}
.hero .lede{font-size:17px;max-width:46ch;margin-bottom:24px}
.rule-list{border-left:3px solid var(--gold);padding-left:20px;margin-bottom:26px}
.rule-list div{font-size:15px;color:#2c4159;margin-bottom:9px}
.rule-list div:last-child{margin-bottom:0}
.seals{display:flex;gap:26px;padding-top:22px;border-top:1px solid var(--line);flex-wrap:wrap}
.seal-item{display:flex;align-items:center;gap:9px;font-size:12.5px;color:var(--muted)}
.seal{width:30px;height:30px;flex:none;border:1.5px solid var(--gold-d);border-radius:50%;display:flex;align-items:center;justify-content:center;color:var(--gold-ink);font-size:10.5px;font-weight:800}

/* hero panel */
.panel{border:2px solid var(--navy);border-radius:4px;background:#fff}
.panel-hd{background:var(--navy);color:#fff;padding:15px 22px;display:flex;justify-content:space-between;align-items:center;border-radius:2px 2px 0 0}
.panel-hd h2{color:#fff;font-size:16.5px;font-family:Inter,sans-serif;font-weight:700}
.panel-hd small{font-size:11.5px;color:#9fb3cc;display:flex;align-items:center;gap:5px}
.panel-bd{padding:24px 22px}
.panel-lab{font-size:11px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--muted);margin-bottom:10px}
.amt-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--line-2);border:1px solid var(--line-2);margin-bottom:18px}
.amt-btn{
  background:#fff;border:0;padding:14px 4px;font-family:inherit;font-size:14.5px;font-weight:700;
  color:var(--navy);cursor:pointer;transition:background .14s;
}
.amt-btn:hover{background:var(--gold-tint)}
.amt-btn.is-on{background:var(--navy);color:#fff}
.amt-btn.is-on:hover{background:var(--navy-2)}
.panel-ft{background:var(--tint);border-top:1px solid var(--line);padding:11px;text-align:center;font-size:11.5px;color:var(--muted);border-radius:0 0 2px 2px}
.panel .btn{width:100%}
.panel-note{text-align:center;font-size:11.5px;color:var(--muted);margin-top:11px}

.apr-bar{background:var(--navy);color:#a8bdd4;text-align:center;padding:13px 20px;font-size:13px}

/* sections */
.sec{padding:62px 0}
.sec-tint{background:var(--tint);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.sec-head{margin-bottom:34px}
.sec-head.mid{text-align:center;max-width:640px;margin-left:auto;margin-right:auto}
.sec-head h2{font-size:clamp(24px,3.2vw,33px);margin-bottom:9px}
.sec-head p{font-size:16px;max-width:62ch}
.sec-head.mid p{margin-left:auto;margin-right:auto}

.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:2px;background:var(--line)}
.cell{background:#fff;padding:30px 26px}
.cell .idx{font-family:'Source Serif 4',Georgia,serif;font-size:30px;color:var(--gold-d);line-height:1;margin-bottom:12px}
.cell h3{font-size:18px;margin-bottom:8px}
.cell p{font-size:14.5px}

/* ledger table */
.ledger{width:100%;border-collapse:collapse;background:#fff;border:1px solid var(--line)}
.ledger th,.ledger td{padding:14px 18px;text-align:left;border-bottom:1px solid var(--line);font-size:14.5px}
.ledger thead th{background:var(--navy);color:#fff;font-family:Inter,sans-serif;font-size:12.5px;letter-spacing:.05em;text-transform:uppercase;font-weight:700}
.ledger tbody th{font-weight:600;color:var(--ink);width:40%}
.ledger tr:last-child td,.ledger tr:last-child th{border-bottom:0}
.ledger .yes{color:var(--green);font-weight:700}
.tbl-wrap{overflow-x:auto}

/* faq */
.faq-list{max-width:800px;margin:0 auto}
.faq-row{border-bottom:1px solid var(--line)}
.faq-row summary{list-style:none;cursor:pointer;padding:19px 34px 19px 0;font-weight:700;font-size:16px;color:var(--ink);position:relative;font-family:'Source Serif 4',Georgia,serif}
.faq-row summary::-webkit-details-marker{display:none}
.faq-row summary::after{content:"+";position:absolute;right:2px;top:50%;transform:translateY(-50%);font-size:21px;color:var(--gold-d);font-family:Inter,sans-serif;font-weight:400}
.faq-row[open] summary::after{content:"−"}
.faq-row .ans{padding:0 0 19px;font-size:15px;max-width:70ch}

/* cta */
.cta{background:var(--navy);padding:56px 0;text-align:center}
.cta h2{color:#fff;font-size:clamp(24px,3.2vw,32px);margin-bottom:10px}
.cta p{color:#a8bdd4;margin-bottom:24px;font-size:16px}

/* footer */
.site-ft{background:var(--navy-d);color:#8fa5be;padding:46px 0 26px;font-size:13.5px}
.ft-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:34px;padding-bottom:28px;border-bottom:1px solid rgba(255,255,255,.12)}
.ft-grid h4{color:#fff;font-family:Inter,sans-serif;font-size:12px;letter-spacing:.08em;text-transform:uppercase;margin-bottom:13px;font-weight:700}
.ft-grid a{display:block;color:#8fa5be;padding:4px 0;font-size:13.5px}
.ft-grid a:hover{color:#fff}
.ft-brand .brand{color:#fff;margin-bottom:11px}
.ft-brand p{max-width:36ch;font-size:13px}
.ft-legal{padding-top:22px}
.ft-legal p{font-size:11.5px;color:#6c839e;line-height:1.65;margin-bottom:12px}
.ft-copy{margin-top:16px;font-size:12.5px;color:#6c839e}

/* =========================================================
   APPLY — SIDEBAR WIZARD (vertical stepper + review table)
   ========================================================= */
.apply-shell{max-width:1060px;margin:0 auto;padding:0 24px}
.apply-hd{background:#fff;border-bottom:2px solid var(--navy)}
.apply-hd-in{display:flex;align-items:center;justify-content:space-between;height:66px}
.lock-tag{display:flex;align-items:center;gap:7px;font-size:12.5px;color:var(--green);font-weight:700}

.wizard{display:grid;grid-template-columns:264px 1fr;gap:34px;padding:32px 0 70px;align-items:start}
/* result screens (waiting / offer / no offer): stepper is hidden, so one centred column */
.wizard.is-outcome{grid-template-columns:minmax(0,760px);justify-content:center}

/* stepper */
.stepper{border:1px solid var(--line);background:#fff;position:sticky;top:24px}
.stepper-hd{background:var(--navy);color:#fff;padding:15px 18px;font-size:12.5px;font-weight:700;letter-spacing:.07em;text-transform:uppercase}
.stepper-list{list-style:none}
.stepper-li{display:flex;gap:13px;padding:16px 18px;border-bottom:1px solid var(--line);position:relative}
.stepper-li:last-child{border-bottom:0}
.stepper-li.is-hidden{display:none}
.stepper-li .badge{
  width:27px;height:27px;flex:none;border:1.5px solid var(--line-2);border-radius:50%;
  display:flex;align-items:center;justify-content:center;font-size:12.5px;font-weight:700;color:var(--muted);
  background:#fff;transition:.2s;
}
.stepper-li .txt b{display:block;font-size:14px;color:var(--muted);font-weight:700;transition:.2s}
.stepper-li .txt span{font-size:12px;color:var(--muted)}
.stepper-li.is-now{background:var(--gold-tint)}
.stepper-li.is-now .badge{background:var(--navy);border-color:var(--navy);color:#fff}
.stepper-li.is-now .txt b{color:var(--navy)}
.stepper-li.is-done .badge{background:var(--green);border-color:var(--green);color:#fff}
.stepper-li.is-done .txt b{color:var(--ink)}
.stepper-ft{padding:14px 18px;background:var(--tint);border-top:1px solid var(--line);font-size:11.5px;color:var(--muted)}

/* mobile stepper (horizontal bar) */
.mstep{display:none;border:1px solid var(--line);background:#fff;margin-bottom:20px}
.mstep-top{display:flex;justify-content:space-between;padding:12px 16px;font-size:13px}
.mstep-top b{color:var(--navy)}
/* darken the track rather than the gold fill — keeps the brand color, gains 5.4:1 */
.mstep-bar{height:4px;background:var(--navy-2)}
.mstep-bar i{display:block;height:100%;background:var(--gold);width:25%;transition:width .3s}

/* form panel */
.wpanel{border:1px solid var(--line);background:#fff}
.wpanel-hd{border-bottom:1px solid var(--line);padding:22px 28px;background:var(--tint)}
/* step titles were h1 (five per page); demoted to h2 for a valid outline */
.wpanel-hd h1,.wpanel-hd h2{font-size:22px;margin-bottom:4px}
.wpanel-hd p{font-size:14px;color:var(--muted)}
.wpanel-bd{padding:28px}

.frow{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.frow.one{grid-template-columns:1fr}
.frow.three{grid-template-columns:1fr 1fr 1fr}
.frow + .frow{margin-top:18px}
.fld label{display:block;font-size:12.5px;font-weight:700;color:var(--ink);margin-bottom:6px;letter-spacing:.01em}
.fld .req{color:var(--red)}
.fld input,.fld select{
  width:100%;font-family:inherit;font-size:15px;color:var(--ink);background:#fff;
  border:1px solid var(--line-2);border-radius:3px;padding:12px 13px;transition:border .14s,box-shadow .14s;
}
.fld input::placeholder{color:#68788c;opacity:1}
.fld input:focus,.fld select:focus{outline:0;border-color:var(--navy);box-shadow:0 0 0 3px rgba(11,36,64,.09)}
.fld input.bad,.fld select.bad{border-color:var(--red);background:#fdf6f5}
.fld .msg{display:none;color:var(--red);font-size:12px;margin-top:5px}
.fld input.bad~.msg,.fld select.bad~.msg{display:block}
.fld .note{font-size:11.5px;color:var(--muted);margin-top:5px}
.fld select{appearance:none;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='11' height='11' viewBox='0 0 24 24' fill='none' stroke='%236b7d94' stroke-width='2.6'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 13px center;padding-right:36px}
/* 3-up date-of-birth / next-pay-date selects. Month takes the extra width —
   "September" plus the chevron gutter does not fit an even third. */
.dob-group{display:grid;grid-template-columns:1.35fr 1fr 1.1fr;gap:8px}
.dob-group select{width:100%;min-width:0;background-position:right 9px center;padding-right:26px}
/* Below 480px the month takes the top row on its own, as on the classic
   template, so the long month names never truncate. */
@media (max-width:480px){
  .dob-group{grid-template-columns:1fr 1fr}
  .dob-group > :first-child{grid-column:1 / -1}
}
.fld.with-reveal{position:relative}
.fld.with-reveal input{padding-right:62px}
.peek{position:absolute;right:9px;top:31px;background:none;border:0;font-family:inherit;font-size:12px;font-weight:700;color:var(--navy);cursor:pointer;padding:6px;text-decoration:underline}

.notice{display:flex;gap:10px;background:var(--gold-tint);border:1px solid #eadfbd;padding:13px 15px;font-size:12.5px;color:#6b5a24;margin-top:20px}
.notice svg{flex:none;margin-top:1px;color:var(--gold-d)}

/* review table */
.review-tbl{width:100%;border-collapse:collapse;border:1px solid var(--line)}
.review-tbl caption{text-align:left;font-size:12.5px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--muted);padding-bottom:10px}
.review-tbl th{background:var(--tint);text-align:left;padding:11px 15px;font-size:13px;font-weight:600;color:var(--ink);border-bottom:1px solid var(--line);width:42%}
.review-tbl td{padding:11px 15px;font-size:13.5px;border-bottom:1px solid var(--line);color:var(--body);word-break:break-word}
.review-tbl tr:last-child th,.review-tbl tr:last-child td{border-bottom:0}
.review-edit{background:none;border:0;color:var(--navy);font-family:inherit;font-size:12px;font-weight:700;cursor:pointer;text-decoration:underline;padding:0}
.review-group{margin-bottom:22px}

.consent-panel{border:1px solid var(--line);padding:18px;margin-top:22px;background:var(--tint);transition:border-color .15s,background .15s}
.consent-panel.bad{border-color:var(--red);background:#fdf6f5}
.consent-panel.bad input{outline:2px solid var(--red);outline-offset:2px}
.consent-row{display:flex;gap:11px;align-items:flex-start;font-size:13.5px;cursor:pointer}
.consent-row input{width:18px;height:18px;flex:none;margin-top:1px;accent-color:var(--navy)}
.consent-row + .consent-row{margin-top:14px;padding-top:14px;border-top:1px solid var(--line)}
/* the Terms/Privacy links here had no underline and only 2.3:1 against the body text */
.consent-row a{color:var(--navy);text-decoration:underline;text-underline-offset:2px;font-weight:600}
.consent-row a:hover{color:var(--navy-2)}
.fineprint{font-size:11.5px;color:var(--muted);line-height:1.6;margin-top:14px}

.wnav{display:flex;justify-content:space-between;gap:12px;padding:20px 28px;border-top:1px solid var(--line);background:var(--tint)}
.wnav .btn{min-width:130px}
/* opacity faded the whole group, taking "Submitting…" to 2.6:1 mid-submit */
.wnav .btn[disabled]{opacity:1;cursor:default;background:var(--line-2);color:var(--navy);border-color:var(--line-2)}

/* success */
.wdone{padding:44px 28px;text-align:center}
.wdone .mark{width:72px;height:72px;border:2px solid var(--green);border-radius:50%;color:var(--green);display:flex;align-items:center;justify-content:center;margin:0 auto 20px}
.wdone .mark.spin{border-color:var(--gold-d);color:var(--gold-ink);animation:spin 1.1s linear infinite}
.wdone .mark.warn{border-color:var(--red);color:var(--red)}
@keyframes spin{to{transform:rotate(360deg)}}
.wdone h2{font-size:25px;margin-bottom:9px}
.wdone p{max-width:46ch;margin:0 auto 24px;font-size:15px}
.wdone .tl{text-align:left;max-width:420px;margin:0 auto;border:1px solid var(--line)}
.wdone .tl-item{display:flex;gap:13px;padding:14px 17px;border-bottom:1px solid var(--line)}
.wdone .tl-item:last-child{border-bottom:0}
.wdone .tl-item .n{width:25px;height:25px;flex:none;border-radius:50%;background:var(--navy);color:#fff;display:flex;align-items:center;justify-content:center;font-size:12px;font-weight:700;transition:background .2s}
.wdone .tl-item.on .n{background:var(--green)}
.wdone .tl-item b{display:block;font-size:13.5px;color:var(--ink)}
.wdone .tl-item span{font-size:12.5px;color:var(--muted)}
.wdone .m-wait{font-size:12.5px;color:var(--muted);margin-top:8px}

.wstep{display:none}
.wstep.active{display:block}

/* toast */
.toast{position:fixed;left:50%;bottom:26px;transform:translate(-50%,140%);background:var(--navy-d);color:#fff;
  padding:13px 20px;border-radius:4px;font-size:13.5px;display:flex;align-items:center;gap:9px;
  box-shadow:0 10px 30px rgba(7,26,48,.3);z-index:200;transition:transform .25s;max-width:88vw}
.toast svg{flex:none;color:var(--gold)}
.toast.show{transform:translate(-50%,0)}

/* ---------------- responsive ---------------- */
@media (max-width:960px){
  .hero-grid{grid-template-columns:1fr;gap:34px}
  .widget{max-width:520px;margin:0 auto}
  .grid-3{grid-template-columns:1fr}
  .ft-grid{grid-template-columns:1fr 1fr}
  .wizard{grid-template-columns:1fr;gap:0}
  .stepper{display:none}
  .mstep{display:block}
  .hd-nav{
    position:fixed;inset:70px 0 auto 0;background:#fff;border-bottom:2px solid var(--navy);
    flex-direction:column;align-items:stretch;padding:16px 24px;gap:4px;
    transform:translateY(-160%);visibility:hidden;transition:transform .26s,visibility .26s;
  }
  .hd-nav.open{transform:none;visibility:visible}
  .hd-nav a:not(.btn){padding:12px 0}
  .hd-nav .btn{margin-top:8px}
  .burger{display:block}
}
@media (max-width:768px){
  .frow.three{grid-template-columns:1fr 1fr}
}
@media (max-width:640px){
  .util .shell span:first-child{display:none}
  .brand{font-size:16px;white-space:nowrap}
  .crest{width:27px;height:31px;font-size:12px}
  .lock-tag{font-size:11px;text-align:right}
  .apply-hd-in{gap:10px}
  .sec{padding:44px 0}
  .frow,.frow.three{grid-template-columns:1fr}
  .wpanel-bd{padding:20px 18px}
  .wpanel-hd{padding:18px 18px}
  .wnav{padding:16px 18px;flex-direction:row}
  .wnav .btn{min-width:0;flex:1;padding:13px 12px;font-size:14px}
  .ft-grid{grid-template-columns:1fr}
  .amt-grid{grid-template-columns:repeat(3,1fr)}
}

/* ---- Content pages (FAQ, About, Privacy, Terms) ---- */
.container{max-width:1120px;margin:0 auto;padding:0 22px}
.page-hero{padding:52px 0 36px;background:var(--navy);color:#fff}
.page-hero h1{font-size:clamp(1.4rem,4vw,1.85rem);font-family:'Source Serif 4',serif;margin:0;color:#fff}
.crumbs{font-size:13px;margin-bottom:10px;color:rgba(255,255,255,.6)}
.crumbs a{color:var(--gold);text-decoration:underline}
.prose{max-width:780px;margin:0 auto;padding:40px 0 60px;line-height:1.75;color:var(--body)}
.prose h2{font-size:1.3rem;font-family:'Source Serif 4',serif;color:var(--ink);margin:36px 0 12px}
.prose h3{font-size:1.1rem;color:var(--ink);margin:24px 0 8px}
.prose p{margin:0 0 16px}
.prose ul{margin:0 0 16px;padding-left:24px}
.prose li{margin-bottom:6px}
.prose a{color:var(--navy);text-decoration:underline}
.faqs{max-width:780px;margin:0 auto}
.faq{border-bottom:1px solid var(--line)}
.faq summary{padding:18px 34px 18px 0;font-weight:600;cursor:pointer;list-style:none;color:var(--ink);font-size:15.5px;position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:2px;top:50%;transform:translateY(-50%);font-size:21px;color:var(--gold-d);font-weight:400}
.faq[open] summary::after{content:"\2212"}
.faq .a{padding:0 0 18px;line-height:1.75;color:var(--body)}
.bottom-cta{text-align:center;padding:56px 22px;background:var(--navy);color:#fff}
.bottom-cta h2{margin:0 0 8px;font-size:1.4rem;font-family:'Source Serif 4',serif;color:#fff}
.bottom-cta p{margin:0 0 20px;opacity:.7}
.bottom-cta .btn-primary{display:inline-block;padding:14px 34px;border-radius:6px;background:var(--gold);color:var(--navy);font-weight:700;text-decoration:none;font-size:15px}
.bottom-cta .btn-primary:hover{background:var(--gold-d)}

/* skip link — visually hidden until it receives keyboard focus */
.skip-link{position:absolute;left:14px;top:-60px;z-index:400;background:var(--navy);color:#fff;
  padding:11px 20px;border-radius:0 0 10px 10px;font-weight:600;font-size:14.5px;
  text-decoration:none;transition:top .18s ease}
.skip-link:focus{top:0}
[tabindex="-1"]:focus{outline:none}

/* honour the OS reduced-motion preference — only classic did before */
@media (prefers-reduced-motion:reduce){
  *{animation-duration:.01ms !important;animation-iteration-count:1 !important;
    transition-duration:.01ms !important}
  html{scroll-behavior:auto}
  .cs-panel{transition:none;transform:none}
  .cs.cs-up .cs-panel{transform:none}
}

.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}