/*
Theme Name: SelfExclusion v16
Theme URI: https://www.selfexclusion.co.za
Author: Free Me South Africa (Pty) Ltd
Author URI: https://www.freemesouthafrica.co.za
Description: Statutory self-exclusion registration platform for South African residents under the National Gambling Act 7 of 2004. Free to applicants. Powered by Free Me South Africa (Pty) Ltd.
Version: 16.0.0
Requires at least: 6.0
Tested up to: 6.7
Requires PHP: 7.4
License: Proprietary
License URI: https://www.freemesouthafrica.co.za
Text Domain: selfexclusion
*/

@import url('https://fonts.googleapis.com/css2?family=Urbanist:wght@400;600;700;800;900&family=Inter:wght@400;500;600;700&display=swap');

/* ===================== TOKENS ===================== */
:root {
  --navy:        #0f1f38;
  --navy-mid:    #162844;
  --navy-light:  #1e3350;
  --teal:        #0ea5a0;
  --teal-light:  #2dd4bf;
  --green:       #3ab54a;
  --gold:        #f59e0b;
  --white:       #f8fafc;
  --muted:       #94a3b8;
  --card-bg:     #ffffff;
  --card-border: #e2e8f0;
  --text:        #1e293b;
  --text-sub:    #475569;
  --radius:      10px;
  --shadow:      0 2px 16px rgba(0,0,0,0.08);
}

/* ===================== RESET ===================== */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body { font-family: 'Inter', system-ui, sans-serif; font-size: 16px; color: var(--text); background: #ffffff; line-height: 1.6; }
img { max-width: 100%; display: block; }
a { color: var(--teal); text-decoration: none; }
a:hover { color: var(--teal-light); }

/* ===================== TYPOGRAPHY ===================== */
h1, h2, h3, h4 { font-family: 'Urbanist', system-ui, sans-serif; font-weight: 800; line-height: 1.18; }
h1 { font-size: clamp(2rem, 4.5vw, 3.2rem); }
h2 { font-size: clamp(1.6rem, 3vw, 2.4rem); }
h3 { font-size: 1.2rem; font-weight: 700; }
p { margin-bottom: 1em; }
p:last-child { margin-bottom: 0; }

/* ===================== TICKER ===================== */
.se-ticker { background: var(--teal); color: #fff; font-size: 12px; font-weight: 600; padding: 7px 0; text-align: center; letter-spacing: 0.5px; }
.se-ticker a { color: #fff; text-decoration: underline; }

/* ===================== NAV ===================== */
nav {
  background: var(--navy);
  position: sticky;
  top: 0;
  z-index: 100;
  border-bottom: 1px solid rgba(255,255,255,0.06);
}
.nav-inner {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 68px;
  gap: 16px;
}
.nav-logo { display: flex; align-items: center; text-decoration: none; flex-shrink: 0; }
.nav-logo-img { height: 48px; width: auto; max-width: 280px; object-fit: contain; }
.nav-links { display: flex; align-items: center; gap: 4px; list-style: none; }
.nav-links a {
  font-size: 13px;
  font-weight: 600;
  color: var(--muted);
  text-decoration: none;
  padding: 8px 12px;
  border-radius: 6px;
  transition: color 0.2s, background 0.2s;
  white-space: nowrap;
}
.nav-links a:hover, .nav-links a.active { color: #fff; background: rgba(255,255,255,0.08); }
.btn-nav {
  background: var(--teal);
  color: #fff !important;
  border-radius: 7px;
  padding: 9px 18px !important;
  font-weight: 700 !important;
  font-size: 13px !important;
  transition: background 0.2s !important;
  white-space: nowrap;
}
.btn-nav:hover { background: var(--teal-light) !important; color: var(--navy) !important; }
.nav-hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 8px;
}
.nav-hamburger span { display: block; width: 22px; height: 2px; background: #fff; border-radius: 2px; transition: 0.3s; }
.nav-mobile {
  display: none;
  flex-direction: column;
  background: var(--navy-mid);
  padding: 16px 24px;
  gap: 4px;
  border-top: 1px solid rgba(255,255,255,0.08);
}
.nav-mobile a {
  color: var(--muted);
  font-size: 14px;
  font-weight: 600;
  padding: 10px 0;
  border-bottom: 1px solid rgba(255,255,255,0.05);
  text-decoration: none;
  display: block;
}
.nav-mobile a:hover { color: #fff; }
.nav-mobile.open { display: flex; }

@media (max-width: 900px) {
  .nav-links { display: none; }
  .nav-hamburger { display: flex; }
}

/* ===================== BUTTONS ===================== */
.btn-primary {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: var(--teal);
  color: #fff;
  font-family: 'Urbanist', sans-serif;
  font-size: 15px;
  font-weight: 700;
  padding: 14px 28px;
  border-radius: 8px;
  text-decoration: none;
  transition: background 0.2s, transform 0.15s;
  white-space: nowrap;
}
.btn-primary:hover { background: var(--teal-light); color: var(--navy); transform: translateY(-1px); }
.btn-outline {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: transparent;
  color: #fff;
  font-family: 'Urbanist', sans-serif;
  font-size: 15px;
  font-weight: 700;
  padding: 13px 26px;
  border-radius: 8px;
  border: 2px solid rgba(255,255,255,0.3);
  text-decoration: none;
  transition: border-color 0.2s, background 0.2s;
}
.btn-outline:hover { border-color: var(--teal-light); background: rgba(45,212,191,0.1); color: var(--teal-light); }
.btn-secondary {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: rgba(255,255,255,0.1);
  color: #fff;
  font-family: 'Urbanist', sans-serif;
  font-size: 14px;
  font-weight: 700;
  padding: 11px 22px;
  border-radius: 8px;
  text-decoration: none;
  transition: background 0.2s;
  border: 1px solid rgba(255,255,255,0.2);
}
.btn-secondary:hover { background: rgba(255,255,255,0.18); color: #fff; }

/* ===================== HERO ===================== */
.hero {
  position: relative;
  min-height: 100vh;
  display: flex;
  align-items: center;
  overflow: hidden;
  background: linear-gradient(135deg, #0a1628 0%, #0f1f38 45%, #0d2440 100%);
}
.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(14,165,160,0.04) 1px, transparent 1px),
    linear-gradient(90deg, rgba(14,165,160,0.04) 1px, transparent 1px);
  background-size: 48px 48px;
  pointer-events: none;
}
.hero::after {
  content: '';
  position: absolute;
  top: -20%; right: -10%;
  width: 700px; height: 700px;
  background: radial-gradient(circle, rgba(14,165,160,0.12) 0%, transparent 65%);
  pointer-events: none;
}
.hero-inner {
  position: relative;
  z-index: 2;
  max-width: 1200px;
  margin: 0 auto;
  padding: 100px 48px;
  display: grid;
  grid-template-columns: 1fr 480px;
  gap: 80px;
  align-items: center;
  width: 100%;
}
.hero-logo-wrap { display: none; }
.eyebrow-pill {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(14,165,160,0.12);
  border: 1px solid rgba(14,165,160,0.3);
  color: var(--teal-light);
  font-family: 'Urbanist', sans-serif;
  font-size: 11px; font-weight: 700; letter-spacing: 1.5px; text-transform: uppercase;
  padding: 6px 16px; border-radius: 100px; margin-bottom: 28px;
  width: fit-content;
}
.eyebrow-dot {
  width: 6px; height: 6px; border-radius: 50%;
  background: var(--teal); display: inline-block;
  box-shadow: 0 0 8px var(--teal);
  animation: heropu1se 2s ease-in-out infinite;
}
@keyframes heropu1se { 0%,100%{opacity:1}50%{opacity:0.3} }
.hero h1 {
  font-family: 'Urbanist', sans-serif;
  font-size: clamp(2.2rem, 3.8vw, 3.5rem);
  font-weight: 900;
  line-height: 1.1;
  letter-spacing: -0.02em;
  margin-bottom: 24px;
  color: #fff;
}
.hero h1 .tl { color: var(--teal-light); }
.hero h1 .gd {
  background: linear-gradient(90deg, var(--teal-light), var(--green));
  -webkit-background-clip: text; -webkit-text-fill-color: transparent; background-clip: text;
}
.hero-sub {
  font-size: 1.1rem; line-height: 1.65;
  color: rgba(255,255,255,0.68);
  max-width: 500px; margin-bottom: 40px;
}
.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; margin-bottom: 40px; }
.hero-badges { display: flex; flex-wrap: wrap; gap: 8px; }
.hbadge {
  display: inline-flex; align-items: center; gap: 5px;
  font-size: 12px; font-weight: 600; color: rgba(255,255,255,0.5);
}
.hbadge::before { content: '✓'; color: var(--teal); font-size: 11px; font-weight: 800; }

/* Shield illustration */
.hero-visual { display: flex; align-items: center; justify-content: center; }
.shield-wrap { position: relative; width: 420px; height: 420px; flex-shrink: 0; }
.ring-outer {
  position: absolute; inset: 0; border-radius: 50%;
  border: 1px solid rgba(14,165,160,0.2);
  animation: ringsp1n 30s linear infinite;
}
.ring-outer::before {
  content: ''; position: absolute; top: 0; left: 50%;
  width: 8px; height: 8px; border-radius: 50%;
  background: var(--teal); margin-left: -4px; margin-top: -4px;
  box-shadow: 0 0 12px var(--teal);
}
.ring-mid {
  position: absolute; inset: 28px; border-radius: 50%;
  border: 1px solid rgba(14,165,160,0.12);
  animation: ringsp1n 20s linear infinite reverse;
}
.ring-mid::before {
  content: ''; position: absolute; bottom: 0; left: 50%;
  width: 6px; height: 6px; border-radius: 50%;
  background: var(--teal-light); margin-left: -3px; margin-bottom: -3px;
  box-shadow: 0 0 10px var(--teal-light);
}
@keyframes ringsp1n { from{transform:rotate(0deg)} to{transform:rotate(360deg)} }
.shield-center {
  position: absolute; inset: 70px;
  display: flex; align-items: center; justify-content: center;
}
.shield-svg { filter: drop-shadow(0 0 32px rgba(14,165,160,0.35)); }

/* Floating stat cards */
.stat-float {
  position: absolute;
  background: rgba(10,22,40,0.92);
  border: 1px solid rgba(14,165,160,0.25);
  backdrop-filter: blur(12px);
  border-radius: 12px;
  padding: 12px 18px;
  min-width: 130px;
  pointer-events: none;
}
.stat-float-n {
  font-family: 'Urbanist', sans-serif;
  font-size: 1.5rem; font-weight: 900;
  color: var(--teal-light); line-height: 1; margin-bottom: 4px;
}
.stat-float-l { font-size: 11px; color: rgba(255,255,255,0.5); line-height: 1.3; }
.sf-1 { top: 24px; right: -16px; animation: f1oat 4s ease-in-out infinite; }
.sf-2 { bottom: 60px; right: -24px; animation: f1oat 4s ease-in-out infinite 1.3s; }
.sf-3 { bottom: 24px; left: -8px; animation: f1oat 4s ease-in-out infinite 2.6s; }
@keyframes f1oat { 0%,100%{transform:translateY(0)} 50%{transform:translateY(-8px)} }

/* Logo */
.nav-logo { display: flex; align-items: center; gap: 12px; text-decoration: none; }
.nav-logo svg { flex-shrink: 0; }
.logo-text { display: flex; flex-direction: column; gap: 2px; }
.logo-name { font-family: 'Urbanist', sans-serif; font-size: 18px; font-weight: 900; color: #fff; letter-spacing: -0.02em; line-height: 1; }
.logo-tld { color: var(--teal-light); }
.logo-sub { font-size: 9px; font-weight: 600; color: rgba(255,255,255,0.38); letter-spacing: 1.2px; text-transform: uppercase; line-height: 1; }

@media (max-width: 960px) {
  .hero-inner { grid-template-columns: 1fr; gap: 48px; padding: 80px 24px; }
  .shield-wrap { width: 300px; height: 300px; margin: 0 auto; }
  .sf-1 { top: 10px; right: 0; }
  .sf-2 { bottom: 40px; right: 0; }
  .sf-3 { display: none; }
  .shield-center { inset: 50px; }
}

/* ===================== STATS ===================== */
.stats { background: var(--navy-mid); border-top: 1px solid rgba(255,255,255,0.06); }
.stats-inner {
  max-width: 1200px;
  margin: 0 auto;
  padding: 40px 24px;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  text-align: center;
}
.stat-n { font-family: 'Urbanist', sans-serif; font-size: 2.4rem; font-weight: 900; color: var(--teal-light); line-height: 1; margin-bottom: 8px; }
.stat-l { font-size: 13px; color: var(--muted); line-height: 1.4; }
@media (max-width: 700px) { .stats-inner { grid-template-columns: repeat(2, 1fr); } }

/* ===================== SECTION ===================== */
.section { padding: 72px 24px; }
.section-inner { max-width: 1100px; margin: 0 auto; }
.section-dark { background: var(--navy); color: #fff; }
.section-dark .eyebrow { color: var(--teal-light); }
.section-dark .section-heading { color: #fff; }
.section-dark .section-sub { color: rgba(255,255,255,0.72); }
.eyebrow { display: block; font-size: 12px; font-weight: 700; letter-spacing: 1.5px; text-transform: uppercase; color: var(--teal); margin-bottom: 10px; }
.section-heading { margin-bottom: 14px; }
.section-sub { color: var(--text-sub); max-width: 640px; margin-bottom: 40px; font-size: 1.05rem; }

/* ===================== STEPS ===================== */
.steps-row { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; margin-bottom: 40px; }
.steps-row.cols-3 { grid-template-columns: repeat(3, 1fr); }
@media (max-width: 900px) { .steps-row.cols-3 { grid-template-columns: repeat(2, 1fr); } }
.step-card {
  background: var(--card-bg);
  border: 1px solid var(--card-border);
  border-radius: var(--radius);
  padding: 28px 22px;
  box-shadow: var(--shadow);
  position: relative;
}
.step-n {
  width: 38px; height: 38px;
  background: var(--teal);
  color: #fff;
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-family: 'Urbanist', sans-serif;
  font-size: 16px;
  font-weight: 900;
  margin-bottom: 16px;
}
.step-card h3 { margin-bottom: 10px; font-size: 1rem; }
.step-card p { font-size: 14px; color: var(--text-sub); }
.learn-more-callout { text-align: center; background: var(--white); border: 1px solid var(--card-border); border-radius: var(--radius); padding: 28px; }
.learn-more-callout p { color: var(--text-sub); margin-bottom: 16px; }
@media (max-width: 800px) { .steps-row { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 480px) { .steps-row { grid-template-columns: 1fr; } }

/* ===================== DIGITAL BLOCKING STRIP ===================== */
.bb-strip { background: var(--navy-mid); padding: 56px 24px; border-top: 1px solid rgba(255,255,255,0.06); border-bottom: 1px solid rgba(255,255,255,0.06); }
.bb-strip-inner { max-width: 1100px; margin: 0 auto; display: grid; grid-template-columns: 1fr 1fr; gap: 40px; align-items: start; }
.bb-strip-badge { display: inline-block; background: rgba(14,165,160,0.15); color: var(--teal-light); font-size: 11px; font-weight: 700; letter-spacing: 1px; text-transform: uppercase; padding: 4px 12px; border-radius: 20px; margin-bottom: 12px; border: 1px solid rgba(14,165,160,0.25); }
.bb-strip-title { font-family: 'Urbanist', sans-serif; font-size: 1.7rem; font-weight: 800; color: #fff; margin-bottom: 12px; line-height: 1.2; }
.bb-strip-sub { color: rgba(255,255,255,0.7); font-size: 14px; margin-bottom: 12px; }
.bb-commission-note { font-size: 12px; color: var(--muted); border-left: 2px solid var(--gold); padding-left: 10px; margin-top: 8px; }
.bb-commission-note a { color: var(--gold); }
.bb-partners { display: flex; flex-direction: column; gap: 16px; }
.bb-partner-card {
  border-radius: var(--radius);
  padding: 22px 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
}
.bb-partner-card.gamban { background: #1a2f50; border: 1px solid rgba(255,255,255,0.1); }
.bb-partner-card.betblocker { background: #fff; border: 1px solid var(--card-border); }
.bb-partner-left { display: flex; flex-direction: column; gap: 6px; }
.partner-logo { height: 40px; width: auto; max-width: 140px; object-fit: contain; }
.bb-partner-tag { font-size: 11px; font-weight: 700; letter-spacing: 0.5px; text-transform: uppercase; }
.bb-partner-card.gamban .bb-partner-tag { color: var(--gold); }
.bb-partner-card.betblocker .bb-partner-tag { color: var(--teal); }
.bb-btn-gamban { background: var(--teal); color: #fff; font-weight: 700; font-size: 13px; padding: 10px 18px; border-radius: 7px; text-decoration: none; white-space: nowrap; transition: background 0.2s; }
.bb-btn-gamban:hover { background: var(--teal-light); color: var(--navy); }
.bb-btn-betblocker { background: var(--teal); color: #fff; font-weight: 700; font-size: 13px; padding: 10px 18px; border-radius: 7px; text-decoration: none; white-space: nowrap; transition: background 0.2s; }
.bb-btn-betblocker:hover { background: var(--teal-light); color: var(--navy); }
@media (max-width: 720px) { .bb-strip-inner { grid-template-columns: 1fr; } .bb-partner-card { flex-direction: column; align-items: flex-start; } }

/* ===================== PARTNER CARDS (full page) ===================== */
.partner-cards-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 32px; margin-bottom: 40px; }
.partner-card-full {
  border-radius: 14px;
  padding: 40px 36px;
  display: flex;
  flex-direction: column;
  gap: 20px;
}
.partner-card-full.gamban { background: var(--navy-mid); border: 1px solid rgba(255,255,255,0.1); color: #fff; }
.partner-card-full.betblocker { background: #fff; border: 2px solid var(--card-border); color: var(--text); box-shadow: var(--shadow); }
.partner-card-full .partner-logo { height: 48px; width: auto; max-width: 180px; object-fit: contain; margin-bottom: 4px; }
.partner-badge { display: inline-block; font-size: 11px; font-weight: 700; letter-spacing: 0.5px; text-transform: uppercase; padding: 4px 12px; border-radius: 20px; }
.partner-badge.paid { background: rgba(245,158,11,0.15); color: var(--gold); border: 1px solid rgba(245,158,11,0.3); }
.partner-badge.free { background: rgba(58,181,74,0.12); color: var(--green); border: 1px solid rgba(58,181,74,0.3); }
.partner-card-full h3 { font-size: 1.3rem; margin-bottom: 0; }
.partner-card-full.gamban h3 { color: #fff; }
.partner-card-full.betblocker h3 { color: var(--text); }
.partner-card-full p { font-size: 14px; line-height: 1.65; }
.partner-card-full.gamban p { color: rgba(255,255,255,0.78); }
.partner-card-full.betblocker p { color: var(--text-sub); }
.commission-box { background: rgba(245,158,11,0.08); border: 1px solid rgba(245,158,11,0.25); border-radius: 8px; padding: 14px 16px; font-size: 13px; color: var(--gold); }
.no-commission-box { background: rgba(58,181,74,0.06); border: 1px solid rgba(58,181,74,0.2); border-radius: 8px; padding: 14px 16px; font-size: 13px; color: var(--green); }
@media (max-width: 700px) { .partner-cards-grid { grid-template-columns: 1fr; } }

/* ===================== CTA BAND ===================== */
.cta-band {
  background: linear-gradient(135deg, var(--teal) 0%, #0a8a86 100%);
  color: #fff;
  text-align: center;
  padding: 72px 24px;
}
.cta-band .eyebrow { color: rgba(255,255,255,0.8); }
.cta-band h2 { color: #fff; margin-bottom: 16px; }
.cta-band h2 span { color: var(--navy); }
.cta-band p { color: rgba(255,255,255,0.85); max-width: 560px; margin: 0 auto 32px; }
.crisis-line { display: flex; align-items: center; justify-content: center; gap: 8px; flex-wrap: wrap; margin-top: 28px; font-size: 13px; color: rgba(255,255,255,0.75); }
.crisis-line strong { color: #fff; }
.crisis-line a { color: #fff; font-weight: 700; text-decoration: underline; }

/* ===================== LEGAL GRID ===================== */
.legal-group { margin-bottom: 48px; }
.legal-group-title { font-family: 'Urbanist', sans-serif; font-size: 1.1rem; font-weight: 700; color: var(--navy); border-bottom: 2px solid var(--teal); padding-bottom: 10px; margin-bottom: 20px; display: flex; align-items: center; gap: 10px; }
.legal-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(300px, 1fr)); gap: 16px; }
.legal-card {
  background: var(--card-bg);
  border: 1px solid var(--card-border);
  border-radius: var(--radius);
  padding: 20px 22px;
  box-shadow: var(--shadow);
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.legal-card-title { font-weight: 700; font-size: 14px; color: var(--text); line-height: 1.35; }
.legal-card-desc { font-size: 13px; color: var(--text-sub); line-height: 1.5; flex: 1; }
.legal-card-meta { font-size: 11px; color: var(--muted); font-weight: 600; }
.legal-card-actions { display: flex; gap: 10px; }
.legal-card-actions a { font-size: 13px; font-weight: 600; color: var(--teal); text-decoration: none; border: 1px solid var(--teal); padding: 5px 12px; border-radius: 5px; transition: background 0.2s, color 0.2s; }
.legal-card-actions a:hover { background: var(--teal); color: #fff; }

/* ===================== INFO CARDS ===================== */
.info-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; margin-bottom: 40px; }
.info-card { background: var(--card-bg); border: 1px solid var(--card-border); border-radius: var(--radius); padding: 28px 24px; box-shadow: var(--shadow); border-top: 3px solid var(--teal); }
.info-card-icon {
  width: 52px; height: 52px; min-width: 52px;
  background: rgba(14,165,160,0.12);
  border-radius: 14px;
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 18px;
  color: var(--teal);
  flex-shrink: 0;
}
.info-card-icon i { font-size: 22px; color: var(--teal); line-height: 1; }
.section-dark .info-card-icon i { color: var(--teal-light); }
.section-dark .info-card { background: rgba(255,255,255,0.06); border: 1px solid rgba(255,255,255,0.1); border-top: 3px solid var(--teal); }
.section-dark .info-card h3 { color: #fff; }
.section-dark .info-card p { color: rgba(255,255,255,0.72); }
.section-dark .info-card-icon { background: rgba(14,165,160,0.15); }
.info-card h3 { margin-bottom: 10px; font-size: 1rem; }
.info-card p { font-size: 14px; color: var(--text-sub); }
@media (max-width: 750px) { .info-grid { grid-template-columns: 1fr; } }

/* ===================== REGULATORS ===================== */
.regulator-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(280px, 1fr)); gap: 16px; }
.regulator-card { background: var(--card-bg); border: 1px solid var(--card-border); border-radius: var(--radius); padding: 22px 24px; box-shadow: var(--shadow); position: relative; padding-top: 20px; }
.regulator-card h3 { font-size: 0.95rem; margin-bottom: 6px; margin-top: 10px; }
.regulator-card p { font-size: 13px; color: var(--text-sub); margin-bottom: 8px; }
.regulator-card a.regulator-link { font-size: 13px; color: var(--teal); font-weight: 600; display: inline-flex; align-items: center; gap: 4px; }
.regulator-card a.regulator-link:hover { color: var(--teal-light); }
.regulator-card.dark { background: rgba(255,255,255,0.06); border: 1px solid rgba(255,255,255,0.12); color: #fff; }
.regulator-card.dark h3 { color: #fff; }
.regulator-card.dark p { color: rgba(255,255,255,0.7); }
.regulator-card.dark a.regulator-link { color: var(--teal-light); }
.pgb-badge {
  display: inline-block;
  background: var(--teal);
  color: #fff;
  font-family: 'Urbanist', sans-serif;
  font-size: 11px;
  font-weight: 800;
  letter-spacing: 1px;
  padding: 3px 10px;
  border-radius: 20px;
  text-transform: uppercase;
  margin-bottom: 6px;
}
.regulator-card.dark .pgb-badge { background: rgba(14,165,160,0.3); color: var(--teal-light); border: 1px solid rgba(14,165,160,0.4); }

/* ===================== PAGE HERO ===================== */
.page-hero { background: var(--navy); color: #fff; padding: 56px 24px 48px; }
.page-hero-inner { max-width: 900px; margin: 0 auto; }
.page-hero h1 { color: #fff; margin-bottom: 14px; }
.page-hero p { color: rgba(255,255,255,0.72); font-size: 1.05rem; max-width: 640px; }

/* ===================== ACCORDION / FAQ ===================== */
.faq { margin-top: 40px; }
.faq-item { border: 1px solid var(--card-border); border-radius: var(--radius); margin-bottom: 10px; overflow: hidden; }
.faq-q { width: 100%; background: none; border: none; text-align: left; padding: 18px 22px; font-family: 'Urbanist', sans-serif; font-size: 15px; font-weight: 700; color: var(--text); cursor: pointer; display: flex; justify-content: space-between; align-items: center; }
.faq-q::after { content: '+'; font-size: 20px; color: var(--teal); font-weight: 400; }
.faq-q.open::after { content: '-'; }
.faq-a { display: none; padding: 0 22px 18px; font-size: 14px; color: var(--text-sub); line-height: 1.65; }
.faq-a.open { display: block; }

/* ===================== CONTACT ===================== */
.contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 40px; }
.contact-item { display: flex; flex-direction: column; gap: 6px; }
.contact-label { font-size: 11px; font-weight: 700; letter-spacing: 1px; text-transform: uppercase; color: var(--teal); }
.contact-value { font-size: 1rem; font-weight: 600; color: var(--text); }
.contact-value a { color: var(--teal); }
@media (max-width: 600px) { .contact-grid { grid-template-columns: 1fr; } }

/* ===================== FOOTER ===================== */
footer { background: #070e1a; color: rgba(255,255,255,0.65); }
.footer-inner {
  max-width: 1100px;
  margin: 0 auto;
  padding: 56px 24px 40px;
  display: grid;
  grid-template-columns: 280px 1fr 1fr;
  gap: 48px;
}
.footer-brand {}
.footer-logo-img { height: 44px; width: auto; max-width: 240px; object-fit: contain; margin-bottom: 16px; }
.footer-tagline { font-size: 13px; color: rgba(255,255,255,0.55); line-height: 1.55; margin-bottom: 16px; }
.footer-reg { font-size: 11px; color: rgba(255,255,255,0.35); margin-bottom: 14px; }
.footer-crisis { font-size: 13px; color: var(--teal-light); font-weight: 600; }
.footer-crisis a { color: var(--teal-light); }
.footer-col h4 { font-family: 'Urbanist', sans-serif; font-size: 13px; font-weight: 700; color: #fff; letter-spacing: 0.5px; text-transform: uppercase; margin-bottom: 18px; }
.footer-col ul { list-style: none; display: flex; flex-direction: column; gap: 10px; }
.footer-col ul li a { font-size: 13px; color: rgba(255,255,255,0.55); text-decoration: none; transition: color 0.2s; }
.footer-col ul li a:hover { color: var(--teal-light); }
.footer-col .contact-row { display: flex; flex-direction: column; gap: 10px; }
.footer-col .contact-row span { font-size: 13px; color: rgba(255,255,255,0.55); }
.footer-col .contact-row a { font-size: 13px; color: rgba(255,255,255,0.55); text-decoration: none; }
.footer-col .contact-row a:hover { color: var(--teal-light); }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.06);
  padding: 18px 24px;
  max-width: 1100px;
  margin: 0 auto;
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 12px;
  font-size: 11px;
  color: rgba(255,255,255,0.3);
}
.footer-bottom a { color: rgba(255,255,255,0.4); text-decoration: none; margin-left: 16px; }
.footer-bottom a:hover { color: rgba(255,255,255,0.7); }
@media (max-width: 800px) {
  .footer-inner { grid-template-columns: 1fr; gap: 32px; }
  .footer-bottom { flex-direction: column; align-items: flex-start; }
}

/* ===================== UTILITIES ===================== */
.text-center { text-align: center; }
.mt-8 { margin-top: 8px; }
.mt-16 { margin-top: 16px; }
.mt-24 { margin-top: 24px; }
.mt-40 { margin-top: 40px; }
.mb-24 { margin-bottom: 24px; }
.note-box { background: var(--white); border: 1px solid var(--card-border); border-left: 4px solid var(--teal); border-radius: var(--radius); padding: 18px 20px; font-size: 14px; color: var(--text-sub); margin-top: 32px; }
.note-box strong { color: var(--text); }
.warn-box { background: rgba(245,158,11,0.06); border: 1px solid rgba(245,158,11,0.25); border-left: 4px solid var(--gold); border-radius: var(--radius); padding: 18px 20px; font-size: 14px; color: var(--text-sub); margin-top: 16px; }
.warn-box strong { color: var(--gold); }
.two-col { display: grid; grid-template-columns: 1fr 1fr; gap: 32px; }
@media (max-width: 640px) { .two-col { grid-template-columns: 1fr; } }