/* ── Swiff Affiliates — institutional polish pass ───────────────────────
   Serif display (gravitas) + Swiss sans UI. Hairlines. Numbered sections.
   Navy dominant; gold only as a thin accent. */

:root {
  --navy-950: #070d18;
  --navy-900: #0a1120;
  --navy-800: #101a2e;
  --navy-700: #17233c;
  --ink: #141d2e;
  --text: #333f54;
  --muted: #5b6879;
  --line: #e2e6ec;
  --hairline: #edf0f4;
  --paper: #ffffff;
  --paper-alt: #f6f7f9;
  --gold: #c3a05c;
  --gold-deep: #9a7a35;
  --teal: #1e6e63;
  --radius: 10px;
  --shadow-sm: 0 1px 2px rgba(10, 17, 32, .05);
  --shadow-md: 0 14px 34px -14px rgba(10, 17, 32, .22);
  --font: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  --serif: Georgia, "Times New Roman", "Cambria", serif;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--font);
  color: var(--text);
  background: var(--paper);
  line-height: 1.7;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}
img, svg { display: block; }
.container { max-width: 1100px; margin: 0 auto; padding: 0 28px; }

h1, h2, h3 { color: var(--ink); line-height: 1.16; margin: 0 0 .55em; font-weight: 700; }
.serif { font-family: var(--serif); font-weight: 600; letter-spacing: -.012em; }
h1 { font-size: clamp(2.1rem, 4.4vw, 3.4rem); }
h1.serif-accent, .hero h1 { font-family: var(--serif); font-weight: 600; }
h2 { font-size: clamp(1.55rem, 2.9vw, 2.2rem); }
h3 { font-size: 1.05rem; margin-bottom: .4em; }
p { margin: 0 0 1em; }
.serif-accent { color: var(--gold-deep); font-style: italic; }

.eyebrow {
  font-size: .72rem; font-weight: 700; letter-spacing: .2em; text-transform: uppercase;
  color: var(--gold-deep); margin: 0 0 1em;
}
.eyebrow-light { color: var(--gold); }
.lede { font-size: 1.12rem; color: var(--muted); max-width: 36em; }
.lede-light { font-size: 1.06rem; color: #aeb9cb; max-width: 30em; }

.skip {
  position: absolute; left: -999px; top: 0; background: var(--navy-800); color: #fff;
  padding: 10px 16px; z-index: 100; border-radius: 0 0 8px 0;
}
.skip:focus { left: 0; }

/* ── Header ─────────────────────────────────────────────────────────── */
.site-header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(255, 255, 255, .94);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--line);
  transition: box-shadow .25s ease;
}
.site-header.is-scrolled { box-shadow: var(--shadow-sm); }
.header-inner { display: flex; align-items: center; gap: 24px; min-height: 70px; }

.brand { display: inline-flex; align-items: center; gap: 11px; text-decoration: none; }
.brand-mark { width: 30px; height: 30px; color: var(--navy-800); }
.brand-text { font-size: 1.16rem; font-weight: 800; letter-spacing: -.022em; color: var(--ink); }
.brand-text em { font-style: normal; color: var(--gold-deep); margin-left: 2px; }

.site-nav { margin-left: auto; display: flex; align-items: center; gap: 28px; }
.site-nav a {
  text-decoration: none; color: var(--text); font-weight: 600; font-size: .92rem;
  letter-spacing: .01em; position: relative; padding: 6px 0;
}
.site-nav a:not(.cta):hover { color: var(--ink); }
.site-nav a:not(.cta)::after {
  content: ""; position: absolute; left: 0; right: 100%; bottom: 0; height: 2px;
  background: var(--gold); transition: right .2s ease;
}
.site-nav a:not(.cta):hover::after, .site-nav a.is-active:not(.cta)::after { right: 0; }
.site-nav a.is-active { color: var(--ink); }

.nav-toggle {
  display: none; margin-left: auto; border: 0; background: none; cursor: pointer;
  padding: 10px; border-radius: 8px;
}
.nav-toggle span { display: block; width: 22px; height: 2px; background: var(--ink); margin: 5px 0; transition: transform .2s ease, opacity .2s ease; }
.nav-toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.nav-toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* ── Buttons ────────────────────────────────────────────────────────── */
.btn {
  display: inline-block; padding: 14px 28px; border-radius: 9px;
  font-weight: 700; font-size: .95rem; letter-spacing: .015em; text-decoration: none;
  cursor: pointer; border: 1.5px solid transparent;
  transition: transform .15s ease, box-shadow .15s ease, background .15s ease, border-color .15s ease;
}
.btn:focus-visible { outline: 3px solid rgba(195, 160, 92, .5); outline-offset: 2px; }
.btn:active { transform: translateY(1px); }
.btn-primary {
  background: linear-gradient(140deg, var(--navy-800), var(--navy-700));
  color: #fff; box-shadow: var(--shadow-md);
}
.btn-primary:hover { background: linear-gradient(140deg, var(--navy-900), var(--navy-800)); }
.btn-ghost { border-color: var(--line); color: var(--ink); background: #fff; }
.btn-ghost:hover { border-color: var(--navy-700); }

/* ── Hero ───────────────────────────────────────────────────────────── */
.hero {
  position: relative; overflow: hidden;
  background: linear-gradient(180deg, #fcfdfe, var(--paper-alt));
  border-bottom: 1px solid var(--line);
}
.hero-backdrop { position: absolute; inset: 0; pointer-events: none; }
.hero-backdrop svg { width: 100%; height: 100%; }
.trend {
  fill: none; stroke: var(--gold); stroke-width: 1.6; opacity: .16;
  stroke-dasharray: 1400; stroke-dashoffset: 0;
}
.hero-grid {
  position: relative;
  display: grid; grid-template-columns: 1.3fr .9fr; gap: 56px;
  padding-top: clamp(60px, 9vw, 116px); padding-bottom: clamp(60px, 9vw, 116px);
  align-items: center;
}
.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; margin-top: 32px; }

.hero-panel {
  background: #fff; border: 1px solid var(--line); border-top: 3px solid var(--gold);
  border-radius: var(--radius); padding: 30px 32px; box-shadow: var(--shadow-md);
}
.panel-kicker {
  font-size: .7rem; font-weight: 700; letter-spacing: .18em; text-transform: uppercase;
  color: var(--muted); margin: 0 0 6px;
}
.panel-title { font-size: 1.3rem; margin-bottom: .4em; }
.panel-list { list-style: none; margin: 0; padding: 0; }
.panel-list li {
  padding: 12px 0 12px 28px; border-top: 1px solid var(--hairline);
  font-size: .94rem;
}
.panel-list li:first-child { border-top: 0; }
.panel-list li::before {
  content: ""; position: absolute; margin-left: -28px; margin-top: 6px; width: 13px; height: 13px;
  border-radius: 50%; background: var(--teal);
  box-shadow: inset 0 0 0 2px rgba(255,255,255,.5), 0 0 0 1.5px rgba(30,110,99,.25);
}
.panel-list { position: relative; }
.panel-list strong { color: var(--ink); }
.panel-list-light li { border-color: rgba(255,255,255,.1); color: #c4cddc; }
.panel-list-light li::before { background: var(--gold); box-shadow: none; }

/* ── Trust band ─────────────────────────────────────────────────────── */
.trust-band { background: var(--navy-900); }
.trust-grid { display: grid; grid-template-columns: repeat(4, 1fr); }
.trust-grid > div {
  padding: 22px 24px; border-left: 1px solid rgba(255,255,255,.09);
  display: grid; gap: 3px;
}
.trust-grid > div:first-child { border-left: 0; }
.trust-k { font-size: .7rem; font-weight: 700; letter-spacing: .16em; text-transform: uppercase; color: #7e8ca2; }
.trust-v { color: #fff; font-weight: 600; font-size: .98rem; }

/* ── Sections ───────────────────────────────────────────────────────── */
.section { padding: clamp(68px, 8vw, 110px) 0; }
.section-alt { background: var(--paper-alt); border-block: 1px solid var(--hairline); }
.section-dark { background: var(--navy-950); color: #aeb9cb; }
.section-dark h2 { color: #fff; }
.section-head { max-width: 46em; margin-bottom: 44px; }
.section-head .lede { margin-bottom: 0; }

.cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 0; border-top: 1px solid var(--line); }
.card {
  background: transparent; border: 0; border-right: 1px solid var(--line);
  border-bottom: 1px solid var(--line); padding: 30px 28px 34px;
  transition: background .18s ease;
}
.card:first-child { border-left: 1px solid var(--line); }
.card:hover { background: #fff; }
.section-alt .card { border-color: var(--line); }
.section-alt .card:first-child { border-left-color: var(--line); }
.card p { margin: 0; font-size: .94rem; }
.card h3 { position: relative; padding-top: 18px; }
.card h3::before {
  content: ""; position: absolute; top: 0; left: 1px; width: 26px; height: 3px;
  border-radius: 2px; background: linear-gradient(90deg, var(--gold), var(--teal));
}

/* ── Process ────────────────────────────────────────────────────────── */
.steps {
  list-style: none; margin: 0; padding: 0;
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 40px;
  border-top: 1px solid var(--line); padding-top: 44px;
}
.step-no {
  font-family: var(--serif); font-style: italic; font-size: 2rem; color: var(--gold);
  display: block; margin-bottom: 10px; line-height: 1;
}
.steps h3 { font-size: 1.05rem; }
.steps p { margin: 0; font-size: .94rem; }

/* ── Standards (dark) ───────────────────────────────────────────────── */
.compliance-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: center; }

/* ── Contact ────────────────────────────────────────────────────────── */
.contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: start; }
.contact-form {
  background: #fff; border: 1px solid var(--line); border-top: 3px solid var(--gold);
  border-radius: var(--radius); padding: 30px 32px; box-shadow: var(--shadow-md);
  display: grid; gap: 16px;
}
.form-kicker {
  font-size: .7rem; font-weight: 700; letter-spacing: .18em; text-transform: uppercase;
  color: var(--muted); margin: 0 0 2px;
}
.contact-form label { display: grid; gap: 6px; font-weight: 600; font-size: .88rem; color: var(--ink); }
.contact-form input, .contact-form textarea {
  font: inherit; color: var(--text); padding: 12px 14px; border: 1.5px solid var(--line);
  border-radius: 8px; background: var(--paper-alt); transition: border-color .15s ease, background .15s ease;
}
.contact-form input:focus, .contact-form textarea:focus { outline: none; border-color: var(--gold); background: #fff; }
.form-note { margin: 0; font-size: .83rem; color: var(--muted); }

/* ── Footer ─────────────────────────────────────────────────────────── */
.site-footer { background: var(--navy-950); color: #8c9aaf; padding: 48px 0 40px; }
.footer-inner {
  display: flex; justify-content: space-between; align-items: center; gap: 20px;
  flex-wrap: wrap; padding-bottom: 24px; border-bottom: 1px solid rgba(255,255,255,.09);
}
.brand-footer .brand-mark, .brand-footer .brand-text { color: #fff; }
.brand-footer em { color: var(--gold); }
.footer-nav { display: flex; gap: 24px; flex-wrap: wrap; }
.footer-nav a { color: #aeb9cb; text-decoration: none; font-size: .9rem; }
.footer-nav a:hover { color: #fff; }
.fineprint { margin: 20px 0 8px; font-size: .87rem; }
.disclaimer { margin: 0; font-size: .78rem; line-height: 1.65; color: #6d7b91; max-width: 62em; }

/* ── Responsive ─────────────────────────────────────────────────────── */
@media (max-width: 900px) {
  .hero-grid, .compliance-grid, .contact-grid { grid-template-columns: 1fr; }
  .cards, .steps { grid-template-columns: 1fr; }
  .card { border-right: 0; border-left: 1px solid var(--line); }
  .trust-grid { grid-template-columns: repeat(2, 1fr); }
  .trust-grid > div:nth-child(3) { border-left: 0; }
  .nav-toggle { display: block; }
  .site-nav {
    display: none; position: absolute; top: 100%; left: 0; right: 0;
    background: #fff; border-bottom: 1px solid var(--line);
    flex-direction: column; align-items: stretch; gap: 0; padding: 8px 28px 16px;
    box-shadow: var(--shadow-md);
  }
  .site-nav.is-open { display: flex; }
  .site-nav a { padding: 13px 0; border-bottom: 1px solid var(--hairline); }
  .site-nav a:last-child { border-bottom: 0; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { transition: none !important; animation: none !important; }
}