/* ═══ FONTS ═══ */
@font-face{font-family:'Season';src:url('fonts/SeasonMixMedium.woff2') format('woff2');font-weight:450;font-style:normal;font-display:swap}
@font-face{font-family:'GSans';src:url('fonts/GoogleSansFlex.woff2') format('woff2');font-weight:100 900;font-style:normal;font-display:swap}

/* ═══ RESET & TOKENS ═══ */
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
:root{
  --gold:#9c7e00;--gold-l:#9c7e00;--gold-d:#9c7e00;
  --gold-bg:rgba(156,126,0,.05);--gold-bg2:rgba(156,126,0,.1);
  --dk:#121212;--dk2:#161616;--dk3:#1c1c1c;--dkb:rgba(255,255,255,.08);
  --title:#121212;--body:#808080;--body-d:rgba(255,255,255,.6);
  --bg:#fff;--bgw:#f2f2f2;--bd:#e5e2db;
  --r:6px;--rl:10px;
  --serif:'Season','Playfair Display',Georgia,serif;
  --sans:'GSans','Inter',-apple-system,sans-serif;
}

/* ═══ BASE TYPOGRAPHY ═══ */
html{scroll-behavior:smooth}
body{font-family:var(--sans);color:var(--title);background:var(--bg);line-height:1.6;font-size:1.125rem;font-weight:450;-webkit-font-smoothing:antialiased}
a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}
h1{font-family:var(--serif);font-weight:450;line-height:1.2;font-size:clamp(2.4rem,4.8vw,4rem)}
h2{font-family:var(--serif);font-weight:450;line-height:1.2;font-size:clamp(2rem,3.2vw,3rem)}
h3{font-family:var(--sans);font-weight:600;font-size:1.5rem;line-height:1.3}
h4{font-family:var(--sans);font-weight:600;font-size:1.25rem;line-height:1.3}
p,li{color:var(--body);font-weight:450;line-height:1.6}
.c{max-width:1200px;margin:0 auto;padding:0 40px}

/* ═══ UNIVERSAL COMPONENTS ═══ */
.ey{font-family:var(--sans);font-size:.875rem;font-weight:450;letter-spacing:.18em;text-transform:uppercase;color:var(--gold);margin-bottom:12px}
.sh{text-align:center;margin:0 auto 60px}
.sh h2{margin-bottom:20px}
.caption{font-size:1rem;color:var(--body);font-weight:450;text-align:center}
.link{color:var(--gold-l);font-weight:600;text-decoration:underline;text-decoration-style:dotted;text-underline-offset:4px;transition:color .15s}
.link:hover{color:#fff}
.link-dark{color:var(--gold);text-decoration:underline;text-decoration-style:dotted;text-underline-offset:4px;font-weight:600;transition:color .15s}
.link-dark:hover{color:var(--gold-d)}
.check{width:14px;height:14px;min-width:14px;stroke:var(--gold);fill:none;stroke-width:2;margin-top:6px}
.check-l{stroke:var(--gold-l)}
section{padding:100px 0}

/* ═══ BUTTONS ═══ */
.btn{display:inline-flex;align-items:center;justify-content:center;padding:12px 28px;border-radius:var(--r);font-size:1rem;font-weight:600;border:none;cursor:pointer;transition:all .15s;font-family:var(--sans)}
.btn-g{background:var(--gold);color:#fff}.btn-g:hover{background:var(--gold-d)}
.btn-go{border:2px solid var(--gold);color:var(--gold);background:transparent}.btn-go:hover{background:var(--gold);color:#fff}

/* ═══ NAV ═══ */
nav{position:fixed;top:0;left:0;right:0;z-index:100;background:rgba(255,255,255,.97);backdrop-filter:blur(0);-webkit-backdrop-filter:blur(0);border-bottom:1px solid transparent;transition:all .3s;box-shadow:0 4px 24px rgba(0,0,0,.06)}
nav.s{background:rgba(255,255,255,.75);backdrop-filter:blur(16px);-webkit-backdrop-filter:blur(16px);border-bottom-color:rgba(229,226,219,.5);box-shadow:0 4px 24px rgba(0,0,0,.04)}
.ni{margin:0 auto;padding:0 40px;display:flex;align-items:center;height:76px;position:relative}
.nlogo{flex-shrink:0}
.nlogo svg{height:36px;width:auto;display:block}
.nc{position:absolute;left:50%;transform:translateX(-50%);display:flex;gap:40px}
.nc a{font-size:1rem;font-weight:450;color:var(--title);transition:color .15s}
.nc a:hover{color:var(--gold)}
.nr{margin-left:auto;display:flex;align-items:center;gap:36px}
.nr .si{font-size:1rem;font-weight:450;color:var(--title);transition:color .15s}
.nr .si:hover{color:var(--gold)}
.mt{display:none;background:0 0;border:0;cursor:pointer;padding:4px}
.mt span{display:block;width:20px;height:1.5px;background:var(--title);margin:5px 0;border-radius:1px}

/* ═══ HERO ═══ */
.hero{padding:160px 0 100px;background:var(--bg);position:relative;overflow:hidden;text-align:center;display:flex;align-items:center;justify-content:center;min-height:calc(100vh - 300px)}
.hero-map{position:absolute;inset:0;background:url('images/map.png') center/cover no-repeat}
.hero .c{position:relative;z-index:2}
.hero h1{color:var(--title);margin-bottom:32px;max-width:720px;margin-left:auto;margin-right:auto}
.hero-body{max-width:720px;margin:0 auto 40px;font-size:1.25rem;color:var(--body);line-height:1.6}
.hbtns{display:flex;gap:20px;justify-content:center;flex-wrap:wrap}
.hbtns .btn{padding:12px 30px;font-size:1.25rem}

/* ═══ VALUE PROPS ═══ */
.vp{background:var(--bgw);padding:60px 0}
.vpg{display:grid;grid-template-columns:repeat(3,1fr);gap:80px;text-align:center}
.vp-ic{height:44px;margin-bottom:32px;display:flex;align-items:center;justify-content:center}
.vp-ic img{height:40px;width:auto}
.vpg h3{margin-bottom:16px}

/* ═══ PLATFORM ═══ */
.plat{background:var(--dk);color:#fff;overflow:hidden}
.plat-g{display:grid;grid-template-columns:580px 1fr;gap:80px;align-items:center}
.plat-img{width:480px;height:480px;object-fit:cover;border-radius:20px;margin-left:auto}
.plat-t .ey{color:var(--gold-l)}
.plat-t h2{color:#fff;margin-bottom:32px}
.plat-t p{margin-bottom:32px}
.plat-t p,.plat-f li{color:var(--body-d)}
.plat-f{list-style:none;display:flex;flex-direction:column;gap:12px}
.plat-f li{display:flex;gap:12px;align-items:flex-start}
.plat-f li svg{width:16px;height:16px;min-width:16px;stroke:var(--gold-l);fill:none;stroke-width:2;margin-top:6px}

/* ═══ HOW IT WORKS ═══ */
.st-row{display:grid;grid-template-columns:repeat(3,1fr);gap:80px;text-align:center;margin:0 auto}
.st-ic{width:48px;height:48px;margin:0 auto 32px;border-radius:50%;border:2px solid var(--gold);display:flex;align-items:center;justify-content:center;font-family:var(--serif);font-size:1.25rem;font-weight:450;color:var(--gold)}
.st-row h3{margin-bottom:16px}

/* ═══ WHO CAN JOIN ═══ */
.wcj{background:var(--bgw)}
.rg{display:grid;grid-template-columns:1fr 1fr;gap:40px}
.rc{background:var(--bg);border-radius:var(--rl);padding:40px}
.rc-ic{height:36px;margin-bottom:24px}
.rc-ic img{height:32px;width:auto}
.rc h3{margin-bottom:16px}
.rc>p{margin-bottom:24px}
.rc ul{list-style:none;display:flex;flex-direction:column;gap:12px}
.rc li{display:flex;gap:12px;align-items:flex-start}
.rc li svg{margin-top:6px}
.bl{text-align:center;margin-top:40px}
.bl b{background:var(--gold-bg2);color:var(--gold-d);padding:2px 6px;border-radius:4px;font-size:1rem;font-weight:700;letter-spacing:.05em}

/* ═══ PASSPORT ═══ */
.pp{background:var(--dk);color:#fff;overflow:hidden;position:relative}
.pp::before{content:'';position:absolute;top:-200px;right:-150px;width:500px;height:500px;border-radius:50%;background:radial-gradient(circle,rgba(156,126,0,.05) 0%,transparent 70%)}
.ppg{display:grid;grid-template-columns:1fr 580px;gap:80px;align-items:center}
.pp-img{width:480px;height:480px;object-fit:cover;border-radius:20px}
.pp-t .ey{color:var(--gold-l)}
.pp-t h2{color:#fff;margin-bottom:32px}
.pp-t>p{color:var(--body-d);margin-bottom:32px}
.pp-l{list-style:none;display:flex;flex-direction:column;gap:12px}
.pp-l li{display:flex;gap:10px;color:var(--body-d)}
.pp-l svg{width:14px;height:14px;min-width:14px;stroke:var(--gold-l);fill:none;stroke-width:2;margin-top:6px}

/* ═══ PRICING ═══ */
.pr-cards{display:grid;grid-template-columns:1fr 1fr;gap:40px;margin-bottom:60px}
.pr-left{display:flex;flex-direction:column;gap:20px}
.pr-fee{background:var(--bgw);border-radius:var(--rl);padding:32px;text-align:center}
.pr-label{color:var(--body);margin-bottom:4px}
.pr-big{font-family:var(--serif);font-size:clamp(2.4rem,4.8vw,4rem);font-weight:450;color:var(--title);line-height:1.2;margin-bottom:24px}
.pr-split{display:grid;grid-template-columns:1fr 1fr;border:2px solid var(--bd);border-radius:var(--r);overflow:hidden}
.pr-split div{padding:8px 16px;text-align:center}
.pr-split div:first-child{border-right:2px solid var(--bd)}
.pr-split-label{display:block;font-size:1rem;color:var(--body);margin-bottom:4px}
.pr-split-val{display:block;font-family:var(--sans);font-size:1.25rem;font-weight:600;color:var(--title)}
.fee-note{text-align:center;padding:0 12px}
.pr-calc{background:var(--gold);border-radius:var(--rl);display:flex;flex-direction:column;overflow:hidden}
.pr-calc .calc-top{padding:32px 32px 0;display:flex;gap:20px;align-items:flex-end;flex-wrap:wrap}
.pr-calc .calc-ig{flex:1;min-width:160px}
.pr-calc .calc-ig label,.pr-calc .rtog-wrap label{display:block;font-size:.75rem;font-weight:600;text-transform:uppercase;letter-spacing:.12em;color:rgba(255,255,255,.7);margin-bottom:8px}
.pr-calc .calc-iw{position:relative}
.pr-calc .calc-iw .pfx{position:absolute;left:16px;top:50%;transform:translateY(-50%);font-size:1.1rem;font-weight:600;color:var(--body)}
.pr-calc .calc-inp{width:100%;padding:14px 16px 14px 32px;border:none;border-radius:var(--r);font-family:var(--sans);font-size:1rem;font-weight:600;color:var(--title);background:#fff}
.pr-calc .calc-inp:focus{outline:none}
.pr-calc .rtog-wrap{display:flex;flex-direction:column}
.pr-calc .rtog{display:flex;border-radius:var(--r);overflow:hidden;height:48px}
.pr-calc .rtog button{padding:0 28px;border:none;font-family:var(--sans);font-size:1rem;font-weight:600;cursor:pointer;transition:all .15s;border-radius:0;background:#E3D498;color:var(--gold)}
.pr-calc .rtog button:first-child{border-radius:var(--r) 0 0 var(--r)}
.pr-calc .rtog button:last-child{border-radius:0 var(--r) var(--r) 0}
.pr-calc .rtog button.a{background:#fff;color:var(--title)}
.calc-result{flex:1;display:flex;flex-direction:column;align-items:center;justify-content:center;text-align:center;padding:24px 32px}
.calc-result-label{font-family:var(--sans);font-size:1rem;font-weight:450;color:rgba(255,255,255,.7);margin-bottom:4px}
.calc-result-total{font-family:var(--serif);font-size:clamp(2.4rem,4.8vw,4rem);font-weight:450;color:#fff;line-height:1.2}
.calc-breakdown-bar{display:flex;justify-content:space-between;padding:0 32px 28px 32px}
.cb-item{font-family:var(--sans);font-size:1rem}
.cb-item .cb-label{color:rgba(255,255,255,.7)}
.cb-item .cb-val{font-weight:700;margin-left:8px;color:#fff}

/* Feature boxes */
.fg{display:grid;grid-template-columns:1fr 1fr;gap:40px}
.fb{padding:32px;border:2px solid var(--bd);border-radius:var(--rl);background:var(--bg)}
.fb-ic{margin-bottom:32px}
.fb-ic img{height:40px;width:auto}
.fb h4{font-family:var(--sans);font-weight:600;font-size:1.5rem;color:var(--title);margin-bottom:16px}

/* ═══ OUR STORY ═══ */
.story{background:var(--dk);color:#fff;overflow:hidden}
.story-g{display:grid;grid-template-columns:580px 1fr;gap:80px;align-items:center}
.story-img{width:480px;height:480px;object-fit:cover;border-radius:20px;margin-left:auto}
.story-t .ey{color:var(--gold-l)}
.story-t h2{color:#fff;margin-bottom:32px}
.story-t p{color:var(--body-d);margin-bottom:32px}

/* ═══ CLEAN GOLD ═══ */
.cg{background:var(--dk);color:#fff;overflow:hidden;border-top:1px solid rgba(255,255,255,.06)}
.cg-g{display:grid;grid-template-columns:1fr 580px;gap:80px;align-items:center}
.cg-img{width:480px;height:480px;object-fit:cover;border-radius:20px}
.cg-t .ey{color:var(--gold-l)}
.cg-t h2{color:#fff;margin-bottom:32px}
.cg-t p{color:var(--body-d);margin-bottom:32px}

/* ═══ FAQ ═══ */
.faq{background:var(--bgw)}
.faq-lay{display:grid;grid-template-columns:.8fr 1fr;gap:44px;align-items:start}
.faq-lay h2{position:sticky;top:80px}
.faq-list{display:flex;flex-direction:column}
.fi{border-bottom:1px solid var(--bd)}
.fi:last-child{border-bottom:none}
.fq{width:100%;padding:20px 0;background:0 0;border:0;cursor:pointer;display:flex;justify-content:space-between;align-items:center;font-family:var(--sans);font-size:1.25rem;font-weight:600;color:var(--title);text-align:left;gap:12px}
.fq svg{width:14px;height:14px;min-width:14px;stroke:var(--body);fill:none;stroke-width:2;transition:transform .2s}
.fi.o .fq svg{transform:rotate(45deg)}
.fa{max-height:0;overflow:hidden;transition:max-height .3s ease}
.fi.o .fa{max-height:500px}
.fa p{padding:0 0 20px}

/* ═══ CTA ═══ */
.cta{text-align:center}
.cta h1{margin-bottom:32px}
.cta p{max-width:720px;margin:0 auto 40px}
.cta .btn{padding:14px 36px;font-size:1.125rem}

/* ═══ NEWSLETTER ═══ */
.nl{background:var(--dk3);padding:28px 0}
.nl-in{display:flex;justify-content:space-between;align-items:center;gap:20px;flex-wrap:wrap}
.nl-in h3{color:#fff}
.nl-fm{display:flex;gap:0;border:1px solid rgba(255,255,255,.12);border-radius:var(--r);overflow:hidden;flex:1;max-width:480px}
.nl-fm input{flex:1;padding:14px 16px;border:none;background:rgba(255,255,255,.04);color:#fff;font-family:var(--sans);font-size:1rem}
.nl-fm input::placeholder{color:rgba(255,255,255,.3)}
.nl-fm input:focus{outline:none;background:rgba(255,255,255,.08)}
.nl-fm button{padding:14px 24px;background:var(--gold);color:#fff;border:none;font-family:var(--sans);font-size:1rem;font-weight:600;cursor:pointer;white-space:nowrap}
.nl-fm button:hover{background:var(--gold-d)}

/* ═══ FOOTER ═══ */
footer{background:var(--dk);padding:80px 0 0;color:rgba(255,255,255,.45)}
.ft-g{max-width:1200px;margin:0 auto;padding:0 40px;display:grid;grid-template-columns:1fr auto auto auto;gap:40px;column-gap:80px;margin-bottom:48px}
.ft-b{padding-right:32px}
.ft-b svg{height:40px;display:block;margin-bottom:16px}
.ft-b p{font-size:.875rem;line-height:1.6;color:rgba(255,255,255,.4)}
.ft-email{display:flex;align-items:center;gap:8px;margin-top:16px}
.ft-email img{width:18px;height:18px;opacity:.6}
.ft-email a{color:var(--gold-l);font-size:.875rem;font-weight:600;text-decoration:underline;text-decoration-style:dotted;text-underline-offset:4px}
.ft-email a:hover{color:#fff}
.ft-c h4{font-size:.75rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--gold);margin-bottom:24px}
.ft-c a{display:block;font-size:1rem;color:rgba(255,255,255,.45);margin-bottom:12px;transition:color .15s;font-weight:450}
.ft-c a:hover{color:var(--gold-l)}
.ft-bt-wrap{border-top:1px solid rgba(255,255,255,.06)}
.ft-bt{max-width:1200px;margin:0 auto;padding:24px 40px 28px;display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:8px;font-size:.875rem}
.ft-bt span{color:rgba(255,255,255,.4)}
.ft-bt-links{display:flex;gap:32px}
.ft-bt-links a{color:rgba(255,255,255,.4);transition:color .15s;font-weight:450}
.ft-bt-links a:hover{color:var(--gold-l)}

/* ═══ RESPONSIVE ═══ */
@media(max-width:860px){
.nc,.nr{display:none}.mt{display:block;margin-left:auto}
.nc.op,.nr.op{display:flex;flex-direction:column;position:absolute;top:76px;left:0;right:0;background:#fff;padding:18px 28px;border-bottom:1px solid var(--bd);box-shadow:0 8px 24px rgba(0,0,0,.04);gap:12px;transform:none}
.vpg,.st-row{grid-template-columns:1fr;gap:20px}
.plat-g,.ppg,.story-g,.cg-g{grid-template-columns:1fr;gap:28px}
.plat-img,.pp-img,.story-img,.cg-img{width:100%;height:auto;border-radius:20px;margin:0}
.rg{grid-template-columns:1fr}
.faq-lay{grid-template-columns:1fr}.faq-lay h2{position:static}
.ft-g{grid-template-columns:1fr;gap:40px;text-align:center}
.ft-b{padding-right:0}
.ft-b svg{margin:0 auto 16px}
.ft-email{justify-content:center}
.ft-bt{flex-direction:column;align-items:center;text-align:center}
.fg{grid-template-columns:1fr}
.pr-cards{grid-template-columns:1fr}
}
@media(max-width:520px){
.hero{padding:120px 0 64px;min-height:auto}
.hbtns{flex-direction:column;align-items:center}
.ft-g{grid-template-columns:1fr}
.nl-in{flex-direction:column;align-items:flex-start}.nl-fm{width:100%;max-width:none}
.st-row{gap:40px}
}

/* ═══ SHARED FORM STYLES ═══ */
.ff{margin-bottom:32px;display:flex;flex-direction:column;gap:12px}
.ff label{font-size:.75rem;font-weight:600;text-transform:uppercase;letter-spacing:.12em;color:var(--body);line-height:1}
.ff input,.ff select,.ff textarea{width:100%;padding:14px 16px;border:none;border-radius:var(--r);font-family:var(--sans);font-size:1rem;font-weight:600;color:var(--title);background:var(--bg)}
.ff input:focus,.ff select:focus,.ff textarea:focus{outline:none;box-shadow:0 0 0 2px var(--gold)}
.ff input::placeholder,.ff textarea::placeholder{color:var(--bd);font-weight:450}
.ff select{appearance:none;background-image:url("data:image/svg+xml,%3Csvg width='12' height='8' viewBox='0 0 12 8' fill='none' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M1 1.5L6 6.5L11 1.5' stroke='%23808080' stroke-width='1.5' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 16px center;padding-right:40px;cursor:pointer}
.ff textarea{resize:vertical;min-height:100px;font-weight:450}
.ff-row{display:grid;grid-template-columns:1fr 1fr;gap:20px}
.ff-opt{font-weight:450;text-transform:none;letter-spacing:0;color:var(--bd)}
.ff-invalid{box-shadow:0 0 0 2px #c0392b}
.ff-err{font-size:.8rem;color:#c0392b;font-weight:450}

/* ═══ LOGIN PAGE ═══ */
.login-wrap{min-height:100vh;display:flex;flex-direction:column;align-items:center;justify-content:center;padding:40px 20px}
.login-logo{display:block;margin-bottom:48px}
.login-logo svg{height:60px;width:auto;display:block}
.login-card{width:100%;max-width:600px;background:var(--bgw);border-radius:var(--rl);padding:48px 60px}
.login-card h2{font-family:var(--serif);font-size:2.5rem;font-weight:450;color:var(--gold);margin-bottom:40px;text-align:center}
.login-card .btn{width:100%;padding:16px;font-size:1.125rem;margin-top:8px}
.login-pw{position:relative}
.login-pw input{width:100%;padding:14px 48px 14px 16px;border:none;border-radius:var(--r);font-family:var(--sans);font-size:1rem;font-weight:600;color:var(--title);background:#fff}
.login-pw input:focus{outline:none;box-shadow:0 0 0 2px var(--gold)}
.pw-toggle{position:absolute;right:12px;top:50%;transform:translateY(-50%);background:none;border:none;cursor:pointer;padding:4px;color:var(--bd)}
.pw-toggle svg{width:20px;height:20px}
.pw-toggle.pw-on{color:var(--gold)}
.login-err{font-size:.85rem;color:#c0392b;text-align:center;min-height:20px;margin-bottom:8px}
.login-footer{text-align:center;margin-top:20px;font-size:.875rem;color:var(--body)}
.login-footer a{color:var(--gold);font-weight:600}
.login-card .ff input{background:#fff}

/* ═══ APPLY PAGE ═══ */
.apply-hero{padding:180px 0 80px;text-align:center}
.apply-hero h1{margin-bottom:16px}
.apply-hero>div>p{max-width:560px;margin:0 auto}
.apply-section{padding:0 0 100px}
.apply-grid{display:grid;grid-template-columns:1fr 400px;gap:80px;align-items:start}
.apply-form{background:var(--bgw);border-radius:var(--rl);padding:48px}
.apply-form h2{font-size:1.5rem;font-family:var(--sans);font-weight:600;margin-bottom:32px;color:var(--title)}
.apply-form>p{margin-bottom:32px}
.apply-form .btn{width:100%;padding:16px;font-size:1.125rem;margin-top:8px}
.apply-form .form-note{font-size:.8rem;color:var(--body);text-align:center;margin-top:16px}
.apply-form .form-note a{color:var(--gold);font-weight:600;text-decoration:underline;text-decoration-style:dotted;text-underline-offset:3px}

/* Business type toggle — extends .rtog */
.bt-wrap{margin-bottom:32px;display:flex;flex-direction:column;gap:12px}
.bt-wrap label{font-size:.75rem;font-weight:600;text-transform:uppercase;letter-spacing:.12em;color:var(--body);line-height:1}
.bt-tog{display:flex;border-radius:var(--r);overflow:hidden;height:48px;width:100%}
.bt-tog button{flex:1;border:none;background:var(--bg);font-family:var(--sans);font-size:1rem;font-weight:600;color:var(--body);cursor:pointer;transition:all .15s;border-radius:0;padding:0 8px;white-space:nowrap}
.bt-tog button:first-child{border-radius:var(--r) 0 0 var(--r)}
.bt-tog button:last-child{border-radius:0 var(--r) var(--r) 0}
.bt-tog button.a{background:var(--gold);color:#fff}

/* Sidebar */
.apply-sidebar{position:sticky;top:100px}
.sidebar-block{margin-bottom:40px}
.sidebar-block h3{margin-bottom:20px;color:var(--title)}
.doc-list{list-style:none;display:flex;flex-direction:column;gap:10px;margin-top:32px}
.doc-list li{display:flex;gap:10px;align-items:flex-start}
.timeline{display:flex;flex-direction:column;padding-left:20px;position:relative}
.timeline::before{content:'';position:absolute;left:5px;top:8px;bottom:8px;width:1px;background:var(--bd)}
.tl-step{position:relative;padding:2px 0 20px 16px}
.tl-step:last-child{padding-bottom:0}
.tl-step::before{content:'';position:absolute;left:-20px;top:8px;width:10px;height:10px;border-radius:50%;border:2px solid var(--gold);background:var(--bg)}
.tl-step h4{margin-bottom:8px;font-size:1.125rem;color:var(--gold)}
.sidebar-cta{padding:24px;background:var(--bgw);border-radius:var(--rl);text-align:center}
.sidebar-cta a{color:var(--gold);font-weight:600;text-decoration:underline;text-decoration-style:dotted;text-underline-offset:3px}

/* Apply responsive */
@media(max-width:860px){
  .apply-grid{grid-template-columns:1fr;gap:48px}
  .apply-sidebar{position:static}
  .ff-row{grid-template-columns:1fr}
  .apply-form{padding:32px}
  .bt-tog{flex-wrap:wrap;height:auto}
  .bt-tog button{padding:12px 8px;flex:1 1 45%}
}

/* ═══ COMPLIANCE PAGE ═══ */
.page-hero{padding:180px 0 100px;text-align:center}
.page-hero h1{margin-bottom:16px}
.page-hero p{max-width:640px;margin:0 auto}
.gold-line{width:80px;height:3px;background:var(--gold);margin:32px auto 0}
.page-hero-bd{border-bottom:1px solid rgba(156,126,0,.35)}
.section-bb{border-bottom:1px solid var(--bd)}
.section-bb h3{margin-bottom:16px}
.section-bb h4{margin-top:24px;margin-bottom:12px}
.section-bb p+p,.section-bb ul+p,.section-bb .doc-list+p{margin-top:16px}
.section-bb .doc-list{margin-top:16px}
.contact-line{text-align:center;margin-top:40px}
.fb ul{list-style:none;display:flex;flex-direction:column;gap:16px;margin-top:20px}
.fb li{display:flex;gap:12px;align-items:flex-start}