/* Page styles for /help-jblm-resources/, from acu-website help-jblm-resources.html (tools/import-kit-page.py). */

/* ═══════════════════════════════════════════
   ACU BASE DESIGN SYSTEM (shared chrome)
   ═══════════════════════════════════════════ */
*, *::before, *::after { margin: 0; padding: 0; box-sizing: border-box; }

:root {
  --navy: #1B2A4A; --navy-light: #243658; --navy-dark: #111d33;
  --orange: #C75B12; --orange-light: #d9762e; --gold: #D4952B;
  --cream: #E8E6E2; --offwhite: #F2F0EC; --midgray: #6B7280;
  --slate: #1F2937; --teal: #005984;
  --surface: #E8E4DF; --surface-light: #f0ede9; --surface-dark: #d4d0cb;
  --shadow-raised: 8px 8px 20px rgba(166,162,155,0.45), -8px -8px 20px rgba(255,255,255,0.8);
  --shadow-raised-sm: 4px 4px 10px rgba(166,162,155,0.4), -4px -4px 10px rgba(255,255,255,0.7);
  --shadow-inset: inset 4px 4px 10px rgba(166,162,155,0.4), inset -4px -4px 10px rgba(255,255,255,0.7);
  --shadow-raised-hover: 10px 10px 25px rgba(166,162,155,0.5), -10px -10px 25px rgba(255,255,255,0.85);
  --ease-out-expo: cubic-bezier(0.16, 1, 0.3, 1);
  --ease-out-quart: cubic-bezier(0.25, 1, 0.5, 1);
  --section-pad: clamp(80px, 10vw, 140px);
}

html { scroll-behavior: smooth; font-size: 16px; overflow-x: hidden; }
body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
  background: var(--surface); color: var(--slate); line-height: 1.6;
  overflow-x: hidden; -webkit-font-smoothing: antialiased;
}
.baumans { font-family: 'futura-pt', 'Futura PT', 'Futura', 'Baumans', sans-serif; }
img { max-width: 100%; height: auto; }
a { color: var(--orange); }

/* Animations */
@keyframes fadeInUp { from { opacity:0; transform:translateY(50px); } to { opacity:1; transform:translateY(0); } }
@keyframes shimmer { 0% { background-position:-200% 0; } 100% { background-position:200% 0; } }
.reveal { opacity:0; transform:translateY(40px); transition: opacity 0.9s var(--ease-out-expo), transform 0.9s var(--ease-out-expo); }
.reveal.visible { opacity:1; transform:translateY(0); }
.stagger-1{transition-delay:.1s} .stagger-2{transition-delay:.2s} .stagger-3{transition-delay:.3s}
.stagger-4{transition-delay:.4s} .stagger-5{transition-delay:.5s} .stagger-6{transition-delay:.6s}
.shimmer-text {
  background: linear-gradient(90deg, var(--orange) 0%, var(--gold) 50%, var(--orange) 100%);
  background-size: 200% auto; -webkit-background-clip: text; -webkit-text-fill-color: transparent;
  background-clip: text; animation: shimmer 3s linear infinite;
}

/* Nav */
.nav { position:fixed; top:0; left:0; right:0; z-index:1000; padding:24px 40px; display:flex; align-items:center; justify-content:space-between; transition:all 0.5s var(--ease-out-quart); background:transparent; }
.nav.scrolled { padding:12px 40px; background:rgba(232,228,223,0.85); backdrop-filter:blur(20px) saturate(180%); -webkit-backdrop-filter:blur(20px) saturate(180%); box-shadow:0 1px 30px rgba(27,42,74,0.08); }
.nav-logo img { height:120px; transition:all 0.5s var(--ease-out-quart); filter:brightness(0) invert(1); }
.nav.scrolled .nav-logo img { height:38px; filter:none; }
.nav-links { display:flex; align-items:center; gap:6px; list-style:none; }
.nav-links a { color:white; text-decoration:none; font-size:0.875rem; font-weight:500; padding:8px 16px; border-radius:12px; transition:all 0.3s ease; letter-spacing:0.01em; }
.nav-links a:hover { background:rgba(255,255,255,0.12); }
.nav.scrolled .nav-links a { color:var(--navy); }
.nav.scrolled .nav-links a:hover { background:rgba(27,42,74,0.06); box-shadow:var(--shadow-raised-sm); }
.nav-links a.current { background:rgba(255,255,255,0.12); }
.nav.scrolled .nav-links a.current { background:rgba(27,42,74,0.06); box-shadow:var(--shadow-raised-sm); }
.nav-cta { background:var(--orange)!important; color:white!important; padding:10px 24px!important; border-radius:14px!important; font-weight:600!important; box-shadow:0 4px 15px rgba(199,91,18,0.3)!important; transition:all 0.3s ease!important; }
.nav.scrolled .nav-cta { background:var(--navy)!important; box-shadow:var(--shadow-raised-sm)!important; }
.nav-cta:hover { background:var(--gold)!important; transform:translateY(-2px); box-shadow:0 8px 25px rgba(212,149,43,0.4)!important; }
.nav.scrolled .nav-cta:hover { background:var(--orange)!important; box-shadow:0 8px 25px rgba(199,91,18,0.3)!important; }
.nav-toggle { display:none; flex-direction:column; gap:5px; cursor:pointer; z-index:1001; padding:8px; }
.nav-toggle span { width:24px; height:2px; background:white; border-radius:2px; transition:all 0.3s ease; }
.nav.scrolled .nav-toggle span { background:var(--navy); }
.nav-toggle.active span:nth-child(1){transform:rotate(45deg) translate(5px,5px)} .nav-toggle.active span:nth-child(2){opacity:0} .nav-toggle.active span:nth-child(3){transform:rotate(-45deg) translate(5px,-5px)}

/* Buttons */
.btn-neu { display:inline-flex; align-items:center; gap:10px; padding:16px 36px; border-radius:18px; font-size:0.95rem; font-weight:600; text-decoration:none; cursor:pointer; border:none; transition:all 0.35s var(--ease-out-quart); }
.btn-primary { background:var(--navy); color:white; box-shadow:6px 6px 16px rgba(27,42,74,0.35), -3px -3px 10px rgba(255,255,255,0.62); }
.btn-primary:hover { background:var(--orange); transform:translateY(-3px); box-shadow:0 12px 30px rgba(199,91,18,0.35); }
.btn-secondary { background:var(--surface); color:var(--navy); box-shadow:var(--shadow-raised); }
.btn-secondary:hover { transform:translateY(-3px); box-shadow:var(--shadow-raised-hover); }
.btn-glow { background:linear-gradient(135deg, var(--orange), var(--gold)); color:white; padding:18px 40px; border-radius:18px; font-size:1rem; font-weight:600; text-decoration:none; display:inline-flex; align-items:center; gap:10px; box-shadow:0 8px 30px rgba(199,91,18,0.4); transition:all 0.35s ease; border:none; cursor:pointer; }
.btn-glow:hover { transform:translateY(-3px) scale(1.02); box-shadow:0 12px 40px rgba(199,91,18,0.5); }
.btn-icon { width:20px; height:20px; transition:transform 0.3s ease; }
.btn-primary:hover .btn-icon, .btn-glow:hover .btn-icon { transform:translateX(4px); }

/* Sections */
.section { padding:var(--section-pad) 40px; position:relative; }
.section-inner { max-width:1280px; margin:0 auto; }
.section-header { text-align:center; margin-bottom:64px; }
.section-label { font-family:'futura-pt', 'Futura PT','Futura','Baumans',sans-serif; font-size:0.8rem; letter-spacing:0.15em; text-transform:uppercase; color:var(--orange); margin-bottom:16px; display:flex; align-items:center; justify-content:center; gap:12px; }
.section-label::before, .section-label::after { content:''; width:24px; height:1px; background:var(--orange); }
.section-title { font-family:'futura-pt', 'Futura PT','Futura','Baumans',sans-serif; font-size:clamp(2rem,4vw,3rem); color:var(--navy); line-height:1.15; margin-bottom:16px; }
.section-desc { font-size:1.05rem; color:var(--midgray); max-width:560px; margin:0 auto; line-height:1.65; }

/* Footer */
.footer { background:var(--slate); padding:80px 40px 40px; color:rgba(255,255,255,0.7); }
.footer-grid { max-width:1280px; margin:0 auto; display:grid; grid-template-columns:2fr 1fr 1fr 1fr 1fr; gap:40px; padding-bottom:60px; border-bottom:1px solid rgba(255,255,255,0.08); }
.footer-brand img { height:44px; margin-bottom:16px; }
.footer-brand p { font-size:0.85rem; line-height:1.6; max-width:280px; color:rgba(255,255,255,0.62); }
.footer-col h4, .footer-col .footer-h { font-family:'futura-pt', 'Futura PT','Futura','Baumans',sans-serif; font-size:0.9rem; color:white; margin-bottom:16px; }
.footer-col ul { list-style:none; } .footer-col li { margin-bottom:10px; }
.footer-col a { color:rgba(255,255,255,0.62); text-decoration:none; font-size:0.85rem; transition:color 0.3s ease; }
.footer-col a:hover { color:var(--gold); }
.footer-contact-item { display:flex; align-items:center; gap:10px; margin-bottom:12px; font-size:0.85rem; }
.footer-contact-item svg { width:16px; height:16px; fill:var(--gold); flex-shrink:0; }
.footer-bottom { max-width:1280px; margin:0 auto; padding-top:30px; display:flex; align-items:center; justify-content:space-between; flex-wrap:wrap; gap:20px; }
.footer-bottom p { font-size:0.75rem; color:rgba(255,255,255,0.35); }
.footer-bottom a { color:rgba(255,255,255,0.45); text-decoration:none; }
.footer-badges { display:flex; align-items:center; gap:20px; }
.footer-badges img { height:32px; opacity:0.6; }
.footer-social { display:flex; gap:10px; }
.footer-social a { width:38px; height:38px; border-radius:12px; background:rgba(255,255,255,0.06); display:flex; align-items:center; justify-content:center; transition:all 0.3s ease; }
.footer-social a:hover { background:var(--orange); transform:translateY(-2px); }
.footer-social svg { width:18px; height:18px; fill:rgba(255,255,255,0.6); }
.footer-social a:hover svg { fill:white; }

/* Responsive base */
@media (max-width:1024px) { .footer-grid { grid-template-columns:repeat(2,1fr); } }
@media (max-width:768px) {
  .nav{padding:16px 20px} .nav.scrolled{padding:12px 20px}
  .nav-links{display:none;position:fixed;top:0;left:0;right:0;bottom:0;background:rgba(232,228,223,0.98);backdrop-filter:blur(20px);flex-direction:column;align-items:center;justify-content:center;gap:12px}
  .nav-links.open{display:flex} .nav-toggle{display:flex}
  .nav-links.open a{color:var(--navy)!important} .nav-links.open a:hover{background:rgba(27,42,74,0.06)}
  .section{padding:60px 20px} .section-header{margin-bottom:40px}
  .footer-grid{grid-template-columns:1fr} .footer-bottom{flex-direction:column;text-align:center}
}

/* ── Checking page: product cards ── */
.chk-cards-grid { display:grid; grid-template-columns:repeat(3,1fr); gap:28px; }
.chk-card { background:var(--surface); border-radius:28px; box-shadow:var(--shadow-raised); padding:36px 32px; display:flex; flex-direction:column; position:relative; transition:transform 0.3s var(--ease-out-quart),box-shadow 0.3s var(--ease-out-quart); }
.chk-card:hover { transform:translateY(-6px); box-shadow:var(--shadow-raised-hover); }
.chk-card--featured { background:var(--navy); box-shadow:8px 8px 24px rgba(27,42,74,0.4),-4px -4px 16px rgba(255,255,255,0.08); }
.chk-card--featured:hover { box-shadow:12px 12px 32px rgba(27,42,74,0.5),-4px -4px 16px rgba(255,255,255,0.08); }
.chk-badge { position:absolute; top:-14px; left:50%; transform:translateX(-50%); background:linear-gradient(135deg,var(--orange),var(--gold)); color:white; font-family:'futura-pt', 'Futura PT','Futura','Baumans',sans-serif; font-size:0.72rem; font-weight:700; letter-spacing:0.1em; text-transform:uppercase; padding:6px 18px; border-radius:20px; white-space:nowrap; box-shadow:0 4px 12px rgba(199,91,18,0.35); }
.chk-card-icon { width:56px; height:56px; border-radius:16px; display:flex; align-items:center; justify-content:center; margin-bottom:20px; }
.chk-card-icon svg { width:28px; height:28px; fill:white; }
.chk-card-icon.orange { background:linear-gradient(135deg,var(--orange),var(--gold)); }
.chk-card-icon.teal { background:linear-gradient(135deg,var(--teal),#007db3); }
.chk-card-icon.navy { background:linear-gradient(135deg,var(--navy),var(--navy-light)); }
.chk-card-name { font-family:'futura-pt', 'Futura PT','Futura','Baumans',sans-serif; font-size:1.2rem; color:var(--navy); margin-bottom:4px; }
.chk-card--featured .chk-card-name { color:#fff; }
.chk-card-tagline { font-size:0.85rem; color:var(--midgray); margin-bottom:20px; }
.chk-card--featured .chk-card-tagline { color:rgba(255,255,255,0.55); }
.chk-apy-block { background:var(--surface-light); box-shadow:var(--shadow-inset); border-radius:16px; padding:20px; margin-bottom:20px; text-align:center; }
.chk-card--featured .chk-apy-block { background:rgba(255,255,255,0.07); box-shadow:inset 2px 2px 8px rgba(0,0,0,0.2),inset -2px -2px 8px rgba(255,255,255,0.05); }
.chk-apy-num { display:block; font-family:'futura-pt', 'Futura PT','Futura','Baumans',sans-serif; font-size:2.8rem; line-height:1; color:var(--orange); margin-bottom:4px; }
.chk-card--featured .chk-apy-num { color:var(--gold); }
.chk-apy-label { font-size:0.8rem; color:var(--midgray); }
.chk-card--featured .chk-apy-label { color:rgba(255,255,255,0.55); }
.chk-card-fee { font-size:0.82rem; font-weight:600; color:var(--teal); margin-bottom:16px; display:flex; align-items:center; gap:6px; }
.chk-card-fee::before { content:''; width:8px; height:8px; border-radius:50%; background:var(--teal); flex-shrink:0; }
.chk-card--featured .chk-card-fee { color:var(--gold); }
.chk-card--featured .chk-card-fee::before { background:var(--gold); }
.chk-card-features { list-style:none; margin:0 0 24px; flex:1; }
.chk-card-features li { font-size:0.88rem; color:var(--slate); line-height:1.5; padding:9px 0; border-bottom:1px solid rgba(0,0,0,0.05); display:flex; align-items:flex-start; gap:10px; }
.chk-card-features li:last-child { border-bottom:none; }
.chk-card--featured .chk-card-features li { color:rgba(255,255,255,0.78); border-bottom-color:rgba(255,255,255,0.08); }
.chk-card-features li svg { width:16px; height:16px; fill:var(--orange); flex-shrink:0; margin-top:2px; }
.chk-card--featured .chk-card-features li svg { fill:var(--gold); }
.chk-card .btn-neu { width:100%; justify-content:center; margin-top:auto; }
.chk-card--featured .btn-neu { background:linear-gradient(135deg,var(--orange),var(--gold)); color:white; box-shadow:0 6px 20px rgba(199,91,18,0.35); }
.chk-card--featured .btn-neu:hover { transform:translateY(-3px); box-shadow:0 10px 30px rgba(199,91,18,0.45); }

/* ── Rates table ── */
.chk-rates-wrap { background:var(--surface); border-radius:28px; box-shadow:var(--shadow-raised); overflow:hidden; }
.chk-rates-effective { font-size:0.8rem; color:var(--midgray); text-align:right; padding:14px 24px 0; }
.chk-rates-effective a { color:var(--orange); font-weight:600; text-decoration:none; }
.chk-rates-table { width:100%; border-collapse:collapse; }
.chk-rates-table th { background:var(--navy); color:white; font-family:'futura-pt', 'Futura PT','Futura','Baumans',sans-serif; font-size:0.88rem; letter-spacing:0.04em; padding:18px 24px; text-align:left; }
.chk-rates-table th:not(:first-child) { text-align:center; }
.chk-rates-table th.featured { background:var(--orange); }
.chk-rates-table td { padding:14px 24px; font-size:0.9rem; border-bottom:1px solid rgba(0,0,0,0.06); color:var(--slate); }
.chk-rates-table td:not(:first-child) { text-align:center; font-weight:600; }
.chk-rates-table tr:last-child td { border-bottom:none; }
.chk-rates-table tr:nth-child(even) td { background:rgba(0,0,0,0.02); }
.chk-rate-hi { color:var(--orange) !important; font-size:1.02rem !important; }
.chk-rates-note { font-size:0.76rem; color:var(--midgray); padding:16px 24px; border-top:1px solid rgba(0,0,0,0.06); line-height:1.6; }
.chk-rates-note a { color:var(--orange); font-weight:600; text-decoration:none; }

/* ── Benefits grid ── */
.chk-benefits-grid { display:grid; grid-template-columns:repeat(3,1fr); gap:24px; }
.chk-benefit { background:var(--surface); border-radius:20px; box-shadow:var(--shadow-raised-sm); padding:28px 24px; transition:transform 0.3s var(--ease-out-quart),box-shadow 0.3s ease; }
.chk-benefit:hover { transform:translateY(-4px); box-shadow:var(--shadow-raised); }
.chk-benefit-icon { width:48px; height:48px; background:linear-gradient(135deg,var(--navy),var(--navy-light)); border-radius:14px; display:flex; align-items:center; justify-content:center; margin-bottom:16px; }
.chk-benefit-icon svg { width:24px; height:24px; fill:white; }
.chk-benefit h4 { font-family:'futura-pt', 'Futura PT','Futura','Baumans',sans-serif; font-size:1rem; color:var(--navy); margin-bottom:8px; }
.chk-benefit p { font-size:0.87rem; color:var(--midgray); line-height:1.6; margin:0; }

/* ── Steps ── */
.chk-steps { display:grid; grid-template-columns:repeat(3,1fr); gap:32px; }
.chk-step { text-align:center; position:relative; }
.chk-step:not(:last-child)::after { content:''; position:absolute; top:36px; right:-16px; width:32px; height:2px; background:linear-gradient(to right,var(--orange),var(--gold)); opacity:0.4; }
.chk-step-num { width:72px; height:72px; background:linear-gradient(135deg,var(--orange),var(--gold)); border-radius:50%; display:flex; align-items:center; justify-content:center; font-family:'futura-pt', 'Futura PT','Futura','Baumans',sans-serif; font-size:1.6rem; color:white; margin:0 auto 20px; box-shadow:0 8px 24px rgba(199,91,18,0.3); }
.chk-step h4 { font-family:'futura-pt', 'Futura PT','Futura','Baumans',sans-serif; font-size:1.05rem; color:var(--navy); margin-bottom:10px; }
.chk-step p { font-size:0.88rem; color:var(--midgray); line-height:1.6; }

/* ── Testimonial ── */
.chk-testimonial { background:var(--navy); border-radius:28px; box-shadow:8px 8px 24px rgba(27,42,74,0.3); padding:48px; max-width:720px; margin:0 auto; text-align:center; position:relative; }
.chk-testimonial::before { content:'\201C'; font-family:'futura-pt', 'Futura PT','Futura','Baumans',sans-serif; font-size:8rem; line-height:0.6; color:rgba(199,91,18,0.25); position:absolute; top:32px; left:40px; }
.chk-testimonial p { font-size:1.12rem; color:rgba(255,255,255,0.85); line-height:1.7; margin-bottom:24px; position:relative; z-index:1; font-style:italic; }
.chk-testimonial-author { font-family:'futura-pt', 'Futura PT','Futura','Baumans',sans-serif; font-size:0.85rem; color:var(--gold); letter-spacing:0.08em; text-transform:uppercase; }

/* ── FAQ ── */
.chk-faq { max-width:780px; margin:0 auto; }
.faq-item { background:var(--surface); border-radius:16px; box-shadow:var(--shadow-raised-sm); margin-bottom:12px; overflow:hidden; }
.faq-question { width:100%; background:none; border:none; padding:22px 24px; display:flex; align-items:center; justify-content:space-between; gap:16px; cursor:pointer; text-align:left; font-family:'Inter',sans-serif; font-size:0.97rem; font-weight:600; color:var(--navy); transition:color 0.2s ease; }
.faq-question:hover { color:var(--orange); }
.faq-question svg { width:20px; height:20px; fill:var(--midgray); flex-shrink:0; transition:transform 0.3s ease; }
.faq-item.open .faq-question svg { transform:rotate(180deg); }
.faq-answer { max-height:0; overflow:hidden; transition:max-height 0.4s ease; }
.faq-answer-inner { padding:0 24px 20px; font-size:0.9rem; color:var(--midgray); line-height:1.7; }
.faq-answer-inner ul { margin:10px 0 0 18px; }
.faq-answer-inner li { margin-bottom:6px; }
.faq-answer-inner a { color:var(--orange); font-weight:600; text-decoration:none; }
.faq-item.open .faq-answer { max-height:600px; }

/* ── Disclosures ── */
.chk-disclosures { background:var(--surface-dark); padding:clamp(40px,5vw,60px) 40px; }
.chk-disclosures-inner { max-width:1080px; margin:0 auto; }
.chk-disclosures h4 { font-family:'futura-pt', 'Futura PT','Futura','Baumans',sans-serif; font-size:0.82rem; color:var(--navy); margin-bottom:14px; letter-spacing:0.08em; text-transform:uppercase; }
.chk-disclosures p { font-size:0.74rem; color:var(--midgray); line-height:1.65; margin-bottom:10px; }

/* Split-Curtain Hero */
.hero { min-height: 88vh; display: flex; position: relative; overflow: hidden; background: var(--navy); }
.hero-left { flex: 0 0 48%; background: var(--navy); padding: 160px 60px 80px; display: flex; flex-direction: column; justify-content: center; position: relative; z-index: 2; }
.hero-est { display: inline-flex; align-items: center; gap: 12px; margin-bottom: 32px; opacity: 0; animation: fadeInUp 0.8s var(--ease-out-expo) 0.3s forwards; }
.hero-est-badge { font-family: 'futura-pt', 'Futura PT','Futura','Baumans',sans-serif; font-size: 0.8rem; font-weight: 600; letter-spacing: 0.12em; text-transform: uppercase; color: white; background: rgba(199,91,18,0.15); border: 1px solid rgba(199,91,18,0.3); padding: 8px 20px; border-radius: 24px; display: inline-flex; align-items: center; gap: 8px; }
.hero-est-dot { width: 8px; height: 8px; border-radius: 50%; background: linear-gradient(135deg, var(--orange), var(--gold)); }
.hero-title { font-family: 'futura-pt', 'Futura PT','Futura','Baumans',sans-serif; font-size: clamp(2.6rem, 5vw, 4rem); line-height: 1.08; color: white; margin-bottom: 24px; max-width: 600px; opacity: 0; animation: fadeInUp 0.8s var(--ease-out-expo) 0.5s forwards; }
.hero-subtitle { font-size: 1.1rem; line-height: 1.7; color: rgba(255,255,255,0.6); margin-bottom: 40px; max-width: 480px; opacity: 0; animation: fadeInUp 0.8s var(--ease-out-expo) 0.7s forwards; }
.hero-actions { display: flex; gap: 16px; flex-wrap: wrap; opacity: 0; animation: fadeInUp 0.8s var(--ease-out-expo) 0.9s forwards; }
.hero-right { flex: 1; position: relative; overflow: hidden; }
.hero-right img { width: 100%; height: 100%; object-fit: cover; object-position: center 30%; }
.hero-right::after { content: ''; position: absolute; inset: 0; background: linear-gradient(to right, rgba(27,42,74,0.18), transparent 40%); z-index: 1; }
.hero-video { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; z-index: 0; opacity: 0; transition: opacity 1.2s ease; }
.hero-video.playing { opacity: 1; }
@media (max-width: 1024px), (prefers-reduced-motion: reduce) { .hero-video { display: none; } }
@media (max-width: 1024px) { .hero { flex-direction: column; } .hero-left { flex: 0 0 auto; min-height: 55vh; padding: 120px 40px 60px; } .hero-right { flex: 0 0 40vh; } }
@media (max-width: 768px) { .hero-left { padding: 100px 20px 40px; min-height: 50vh; } .hero-right { flex: 0 0 32vh; } .hero-actions { flex-direction: column; align-items: stretch; text-align: center; } }


/* ── CTA band ── */
.content-cta { text-align: center; background: linear-gradient(135deg, var(--navy) 0%, var(--navy-dark) 100%); position: relative; overflow: hidden; padding: clamp(60px,8vw,96px) 40px; }
.content-cta::before { content: ""; position: absolute; width: 760px; height: 760px; background: radial-gradient(circle, rgba(199,91,18,0.13), transparent 65%); top: -380px; left: 50%; transform: translateX(-50%); }
.content-cta__inner { position: relative; z-index: 2; max-width: 640px; margin: 0 auto; }
.content-cta h2 { font-family:'futura-pt', 'Futura PT','Futura','Baumans',sans-serif; font-size: clamp(1.8rem,3.6vw,2.6rem); color: #fff; margin-bottom: 14px; line-height: 1.15; }
.content-cta p { color: rgba(255,255,255,0.62); font-size: 1.02rem; margin-bottom: 28px; line-height: 1.6; }

/* ── Related links ── */
.related { padding: clamp(40px,6vw,70px) 40px; }
.related__inner { max-width: 1080px; margin: 0 auto; }
.related h2 { font-family:'futura-pt', 'Futura PT','Futura','Baumans',sans-serif; font-size: 1.4rem; color: var(--navy); margin-bottom: 22px; }
.related__grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(240px,1fr)); gap: 14px; }
.related__grid a { display: flex; align-items: center; justify-content: space-between; gap: 10px; background: var(--surface); border-radius: 14px; box-shadow: var(--shadow-raised-sm); padding: 18px 22px; text-decoration: none; color: var(--navy); font-weight: 600; font-size: 0.92rem; transition: transform .3s, box-shadow .3s; }
.related__grid a:hover { transform: translateY(-3px); box-shadow: var(--shadow-raised); }
.related__grid a span { color: var(--orange); }

/* ── Responsive ── */
@media (max-width:1024px) {
  .chk-cards-grid { grid-template-columns:repeat(2,1fr); }
  .chk-cards-grid .chk-card--featured { grid-column:1 / -1; max-width:480px; margin:0 auto; width:100%; }
  .chk-benefits-grid { grid-template-columns:repeat(2,1fr); }
}
@media (max-width:768px) {
  .chk-cards-grid, .chk-steps { grid-template-columns:1fr; }
  .chk-cards-grid .chk-card--featured { grid-column:auto; max-width:none; }
  .chk-step:not(:last-child)::after { display:none; }
  .chk-benefits-grid { grid-template-columns:1fr; }
  .chk-rates-table { font-size:0.82rem; }
  .chk-rates-table th, .chk-rates-table td { padding:12px 14px; }
  .chk-disclosures { padding:40px 20px; }
  .related { padding: 40px 20px; }
  .content-cta { padding: 60px 20px; }
  .chk-testimonial { padding:36px 28px; }
}