/* ===========================================================
   Trade Finance Company TfC African Region Ltd. - main styles
   Brand colours live in :root. Change them here only.
   =========================================================== */
:root {
  --blue-primary: #0B2D5C;
  --blue-secondary: #174A8B;
  --white: #FFFFFF;
  --gold: #D4AF37;
  --orange: #F28C28;
  --grey-light: #F4F6F9;
  /* supporting tones */
  --orange-dark: #D9741A;
  --ink: #1B2A3F;
  --ink-soft: #4A5A70;
  --line: #DDE3EC;
  --blue-pale: #E8EFF9;
  --focus: #F28C28;

  --font: "Segoe UI", system-ui, -apple-system, "Helvetica Neue", Arial, sans-serif;
  --font-head: Georgia, "Times New Roman", serif;
  --radius: 10px;
  --shadow-sm: 0 1px 3px rgba(11, 45, 92, .08), 0 1px 2px rgba(11, 45, 92, .06);
  --shadow-md: 0 10px 28px rgba(11, 45, 92, .12);
  --max: 1180px;
  --header-h: 76px;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: calc(var(--header-h) + 16px); -webkit-text-size-adjust: 100%; }
body { margin: 0; font-family: var(--font); font-size: 1.0625rem; line-height: 1.65; color: var(--ink); background: var(--white); overflow-x: hidden; }
img, svg { max-width: 100%; height: auto; }
img { display: block; }
a { color: var(--blue-secondary); text-underline-offset: 3px; }
a:hover { color: var(--blue-primary); }
h1, h2, h3, h4 { font-family: var(--font-head); color: var(--blue-primary); line-height: 1.2; margin: 0 0 .6em; font-weight: 700; }
h1 { font-size: clamp(2rem, 5vw, 3.4rem); }
h2 { font-size: clamp(1.6rem, 3.4vw, 2.3rem); }
h3, .h3 { font-size: 1.3rem; }
p { margin: 0 0 1em; }
ul, ol { padding-left: 1.2em; }
main:focus { outline: none; }
code { background: var(--blue-pale); padding: .1em .4em; border-radius: 4px; font-size: .9em; }

:focus-visible { outline: 3px solid var(--focus); outline-offset: 3px; border-radius: 4px; }
.skip-link { position: absolute; left: 12px; top: -60px; background: var(--blue-primary); color: #fff; padding: 10px 16px; border-radius: 0 0 8px 8px; z-index: 1000; transition: top .15s; }
.skip-link:focus { top: 0; color: #fff; }
.sr-only { position: absolute !important; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0, 0, 0, 0); white-space: nowrap; border: 0; }

.container { width: 100%; max-width: var(--max); margin: 0 auto; padding: 0 20px; }
.container--narrow { max-width: 820px; }
.container--article { max-width: 780px; }
.section { padding: clamp(56px, 8vw, 96px) 0; }
.section--tight { padding: 0 20px 48px; }
.section--grey { background: var(--grey-light); }
.section--blue { background: var(--blue-primary); color: #fff; }
.section--blue h2, .section--blue h3 { color: #fff; }
.center-text { text-align: center; }
.center-cta { text-align: center; margin: 40px 0 0; }
.placeholder { color: var(--ink-soft); font-style: italic; }
.small { font-size: .9rem; color: var(--ink-soft); }
.lead { font-size: 1.15rem; color: var(--ink-soft); }

.eyebrow { display: inline-flex; align-items: center; gap: 8px; text-transform: uppercase; letter-spacing: .14em; font-size: .78rem; font-weight: 700; color: var(--blue-secondary); margin: 0 0 .8em; }
.eyebrow .icon { width: 16px; height: 16px; }
.eyebrow--light { color: var(--gold); }
.gold-rule { display: block; width: 64px; height: 3px; background: var(--gold); border-radius: 2px; margin: 18px 0 0; }
.gold-rule--sm { width: 40px; height: 2px; margin: 12px 0 14px; }
.section-head { max-width: 720px; margin: 0 0 44px; }
.section-head--center { margin-left: auto; margin-right: auto; text-align: center; }
.section-head--center .gold-rule { margin-left: auto; margin-right: auto; }
.section--blue .lead, .section--blue .eyebrow { color: #D6E2F3; }
.section--blue .eyebrow { color: var(--gold); }

.icon { width: 24px; height: 24px; flex: none; }

/* ---------- buttons ---------- */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 10px; padding: 12px 24px; min-height: 48px; border-radius: 8px; border: 2px solid transparent; font: 700 1rem/1.2 var(--font); text-decoration: none; cursor: pointer; transition: background-color .2s, color .2s, border-color .2s, transform .2s, box-shadow .2s; text-align: center; }
.btn .icon { width: 20px; height: 20px; }
.btn--primary { background: var(--orange); color: var(--blue-primary); }
.btn--primary:hover { background: var(--orange-dark); color: var(--blue-primary); transform: translateY(-2px); box-shadow: var(--shadow-md); }
.btn--secondary { background: transparent; color: var(--blue-secondary); border-color: var(--blue-secondary); }
.btn--secondary:hover { background: var(--blue-secondary); color: #fff; }
.btn--outline-light { background: transparent; color: #fff; border-color: rgba(255, 255, 255, .8); }
.btn--outline-light:hover { background: #fff; color: var(--blue-primary); }
.btn--lg { padding: 15px 30px; font-size: 1.05rem; }
.btn--block { display: flex; width: 100%; margin-bottom: 12px; }
.btn[disabled] { opacity: .7; cursor: progress; transform: none; box-shadow: none; }
.btn-row { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 18px; }

/* ---------- top bar + header ---------- */
.topbar { background: var(--blue-primary); color: #fff; font-size: .88rem; }
.topbar__inner { display: flex; flex-wrap: wrap; gap: 6px 24px; padding-top: 8px; padding-bottom: 8px; align-items: center; }
.topbar a, .topbar span { display: inline-flex; align-items: center; gap: 8px; color: #fff; text-decoration: none; }
.topbar a:hover { color: var(--gold); }
.topbar .icon { width: 16px; height: 16px; color: var(--gold); }

.site-header { position: sticky; top: 0; z-index: 100; background: #fff; box-shadow: 0 2px 12px rgba(11, 45, 92, .1); border-bottom: 3px solid var(--gold); }
.header__inner { display: flex; align-items: center; justify-content: space-between; gap: 16px; min-height: var(--header-h); }
.brand { display: inline-flex; align-items: center; gap: 12px; text-decoration: none; color: var(--blue-primary); }
.brand img { border-radius: 0; width: 100px; height: 95px; object-fit: contain; background: #fff; flex: 0 0 auto; }
.brand__text { display: flex; flex-direction: column; line-height: 1.1; }
.brand__text strong { font-family: var(--font-head); font-size: 1.05rem; color: var(--blue-primary); }
.brand__text small { font-size: .72rem; letter-spacing: .12em; text-transform: uppercase; color: var(--ink-soft); }
.brand--light strong { color: #fff; }
.brand--light small { color: #C9D7EC; }

.primary-nav ul { list-style: none; margin: 0; padding: 0; display: flex; align-items: center; gap: 2px; }
.nav-link { display: block; padding: 10px 12px; color: var(--blue-primary); font-weight: 600; font-size: .98rem; text-decoration: none; border-radius: 6px; position: relative; }
.nav-link::after { content: ""; position: absolute; left: 12px; right: 12px; bottom: 4px; height: 3px; background: var(--gold); border-radius: 2px; transform: scaleX(0); transform-origin: left; transition: transform .25s; }
.nav-link:hover::after, .nav-link.is-active::after { transform: scaleX(1); }
.nav-link:hover { color: var(--blue-secondary); }
.nav-cta { margin-left: 10px; }
.nav-cta .btn { padding: 10px 18px; min-height: 44px; font-size: .95rem; }

.has-sub { position: relative; display: flex; align-items: center; }
.sub-toggle { background: none; border: 0; padding: 8px 6px; margin-left: -8px; cursor: pointer; color: var(--blue-primary); display: inline-flex; border-radius: 6px; }
.sub-toggle .icon { width: 18px; height: 18px; transition: transform .2s; }
.has-sub.open .sub-toggle .icon { transform: rotate(180deg); }
.submenu { position: absolute; top: 100%; left: 0; min-width: 300px; background: #fff; box-shadow: var(--shadow-md); border-radius: var(--radius); border-top: 3px solid var(--gold); padding: 8px 0 !important; display: none !important; flex-direction: column; align-items: stretch !important; gap: 0 !important; z-index: 20; }
.has-sub:hover > .submenu, .has-sub:focus-within > .submenu, .has-sub.open > .submenu { display: flex !important; }
.submenu a { display: block; padding: 9px 20px; color: var(--ink); text-decoration: none; font-size: .96rem; }
.submenu a:hover { background: var(--grey-light); color: var(--blue-secondary); }
.submenu__all { font-weight: 700; color: var(--blue-secondary) !important; border-bottom: 1px solid var(--line); margin-bottom: 4px; }

.nav-toggle { display: none; background: var(--blue-primary); color: #fff; border: 0; border-radius: 8px; width: 48px; height: 48px; cursor: pointer; align-items: center; justify-content: center; }
.nav-toggle__close { display: none; }
.nav-toggle[aria-expanded="true"] .nav-toggle__open { display: none; }
.nav-toggle[aria-expanded="true"] .nav-toggle__close { display: inline-flex; }

/* ---------- hero ---------- */
.hero { position: relative; color: #fff; min-height: clamp(520px, 78vh, 720px); display: flex; align-items: center; overflow: hidden; background: var(--blue-primary); }
.hero__bg, .page-hero__bg, .global__bg { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; }
.hero__overlay { position: absolute; inset: 0; background: linear-gradient(90deg, rgba(11, 45, 92, .92) 0%, rgba(11, 45, 92, .7) 55%, rgba(11, 45, 92, .35) 100%); }
.hero__inner { position: relative; padding-top: 72px; padding-bottom: 72px; }
.hero h1 { color: #fff; max-width: 16ch; max-width: 780px; }
.hero__text { max-width: 620px; font-size: 1.2rem; color: #E3ECF8; }
.hero__actions { display: flex; flex-wrap: wrap; gap: 14px; margin-top: 30px; }
.hero__anim { animation: rise .8s ease both; }
.hero__anim--2 { animation-delay: .12s; } .hero__anim--3 { animation-delay: .24s; } .hero__anim--4 { animation-delay: .36s; }
@keyframes rise { from { opacity: 0; transform: translateY(22px); } to { opacity: 1; transform: none; } }

.page-hero { position: relative; color: #fff; background: var(--blue-primary); overflow: hidden; }
.page-hero__overlay { position: absolute; inset: 0; background: linear-gradient(90deg, rgba(11, 45, 92, .94), rgba(11, 45, 92, .72)); }
.page-hero__inner { position: relative; padding-top: 56px; padding-bottom: 60px; }
.page-hero h1 { color: #fff; font-size: clamp(1.9rem, 4.4vw, 3rem); max-width: 22ch; max-width: 820px; }
.page-hero .lead { color: #E3ECF8; max-width: 680px; margin: 0; }
.breadcrumb ol { list-style: none; display: flex; flex-wrap: wrap; gap: 4px; padding: 0; margin: 0 0 18px; font-size: .88rem; }
.breadcrumb li + li::before { content: "/"; margin: 0 8px; color: var(--gold); }
.breadcrumb a { color: #D6E2F3; }
.breadcrumb [aria-current] { color: #fff; }

/* ---------- grids + cards ---------- */
.grid { display: grid; gap: 28px; }
.grid--2 { grid-template-columns: repeat(2, 1fr); }
.grid--3 { grid-template-columns: repeat(3, 1fr); }
.grid--4 { grid-template-columns: repeat(4, 1fr); }
.card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow-sm); padding: 28px; transition: transform .25s, box-shadow .25s, border-color .25s; display: flex; flex-direction: column; }
.card:hover { transform: translateY(-5px); box-shadow: var(--shadow-md); border-color: var(--gold); }
.card h3 { margin-bottom: .4em; }
.card p { color: var(--ink-soft); }
.card--accent { border-top: 4px solid var(--gold); }
.card-link { display: inline-flex; align-items: center; gap: 8px; margin-top: auto; padding-top: 6px; font-weight: 700; color: var(--blue-secondary); text-decoration: none; }
.card-link .icon { width: 18px; height: 18px; transition: transform .2s; }
.card-link:hover .icon { transform: translateX(4px); }
.card-link:hover { color: var(--orange-dark); }

.service-card__icon, .why__icon { width: 56px; height: 56px; border-radius: 12px; background: var(--blue-pale); color: var(--blue-secondary); border: 1px solid var(--gold); display: grid; place-items: center; margin-bottom: 18px; }
.service-card__icon .icon, .why__icon .icon { width: 28px; height: 28px; }
.why { padding: 8px 4px; }
.why p { color: var(--ink-soft); margin: 0; }

.badge { display: inline-block; align-self: flex-start; font-size: .75rem; font-weight: 700; padding: 3px 10px; border-radius: 99px; margin: 0 0 12px; }
.badge--draft { background: #FFF4E5; color: #8A4B08; border: 1px dashed var(--orange); }

.team-card { padding: 0; overflow: hidden; }
.team-card__photo { aspect-ratio: 4 / 5; overflow: hidden; background: var(--grey-light); }
.team-card__photo img { width: 100%; height: 100%; object-fit: cover; transition: transform .5s; }
.team-card:hover .team-card__photo img { transform: scale(1.04); }
.team-card__body { padding: 22px 24px 26px; display: flex; flex-direction: column; flex: 1; }
.team-card__title { color: var(--blue-secondary) !important; font-weight: 700; margin-bottom: 0; }
.team-card h3 { margin-bottom: .1em; }

.article-card { padding: 0; overflow: hidden; }
.article-card__img { display: block; aspect-ratio: 3 / 2; overflow: hidden; background: var(--blue-primary); }
.article-card__img img { width: 100%; height: 100%; object-fit: cover; transition: transform .5s; }
.article-card:hover .article-card__img img { transform: scale(1.05); }
.article-card__body { padding: 22px 24px 26px; display: flex; flex-direction: column; flex: 1; }
.article-card__meta { font-size: .85rem; margin-bottom: .4em; }
.article-card h3 a { color: var(--blue-primary); text-decoration: none; }
.article-card h3 a:hover { color: var(--blue-secondary); }

.industry-card { padding: 0; overflow: hidden; }
.industry-card__img { aspect-ratio: 3 / 2; overflow: hidden; }
.industry-card__img img { width: 100%; height: 100%; object-fit: cover; }
.industry-card__body { padding: 22px 24px 26px; }
.industry-card__label { font-weight: 700; font-size: .85rem; text-transform: uppercase; letter-spacing: .08em; color: var(--blue-primary) !important; margin: 18px 0 8px; }
.chip-list { list-style: none; padding: 0; margin: 0 0 8px; display: flex; flex-wrap: wrap; gap: 8px; }
.chip-list a { display: inline-block; padding: 5px 12px; border-radius: 99px; background: var(--blue-pale); color: var(--blue-secondary); font-size: .88rem; font-weight: 600; text-decoration: none; }
.chip-list a:hover { background: var(--blue-secondary); color: #fff; }

.tiles { list-style: none; padding: 0; margin: 0; display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; }
.industry-tile { position: relative; display: block; aspect-ratio: 4 / 3; overflow: hidden; border-radius: var(--radius); color: #fff; text-decoration: none; background: var(--blue-primary); }
.industry-tile img { width: 100%; height: 100%; object-fit: cover; transition: transform .5s; }
.industry-tile::after { content: ""; position: absolute; inset: 0; background: linear-gradient(0deg, rgba(11, 45, 92, .92) 0%, rgba(11, 45, 92, .15) 65%); }
.industry-tile span { position: absolute; left: 16px; right: 16px; bottom: 14px; z-index: 1; font-weight: 700; line-height: 1.25; border-left: 3px solid var(--gold); padding-left: 10px; }
.industry-tile:hover img { transform: scale(1.07); }
.industry-tile:hover { color: #fff; }

/* ---------- split / lists ---------- */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(32px, 6vw, 72px); align-items: center; }
.split__media { position: relative; }
.split__media img { border-radius: var(--radius); box-shadow: var(--shadow-md); width: 100%; aspect-ratio: 3 / 2; object-fit: cover; border-bottom: 5px solid var(--gold); }
.split__tag { position: absolute; left: 18px; bottom: 18px; background: var(--blue-primary); color: #fff; padding: 6px 14px; border-radius: 6px; font-size: .85rem; font-weight: 600; border-left: 3px solid var(--gold); }
.ticks { list-style: none; padding: 0; margin: 0 0 24px; }
.ticks li { display: flex; gap: 12px; align-items: flex-start; margin-bottom: 10px; }
.ticks .icon { color: var(--blue-secondary); margin-top: 2px; width: 22px; height: 22px; }
.bullets { padding-left: 1.2em; } .bullets li { margin-bottom: 8px; }
.bullets li::marker { color: var(--gold); }
.numbered { padding-left: 0; list-style: none; counter-reset: n; }
.numbered li { counter-increment: n; position: relative; padding: 0 0 14px 48px; }
.numbered li::before { content: counter(n); position: absolute; left: 0; top: 0; width: 34px; height: 34px; border-radius: 50%; background: var(--blue-primary); color: #fff; display: grid; place-items: center; font-weight: 700; font-size: .95rem; border: 2px solid var(--gold); }
.facts span { display: inline-flex; gap: 10px; color: var(--blue-primary); font-weight: 600; }

.steps { list-style: none; padding: 0; margin: 0; display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; counter-reset: s; position: relative; }
.step { background: rgba(255, 255, 255, .07); border: 1px solid rgba(255, 255, 255, .18); border-radius: var(--radius); padding: 30px 24px; position: relative; }
.step__num { width: 46px; height: 46px; border-radius: 50%; background: var(--orange); color: var(--blue-primary); font-weight: 800; display: grid; place-items: center; margin-bottom: 16px; font-size: 1.15rem; box-shadow: 0 0 0 4px rgba(212, 175, 55, .55); }
.step p { color: #D6E2F3; margin: 0; }

.global { position: relative; color: #fff; padding: clamp(80px, 12vw, 150px) 0; overflow: hidden; background: var(--blue-primary); }
.global__overlay { position: absolute; inset: 0; background: rgba(11, 45, 92, .86); }
.global__inner { position: relative; max-width: 760px; }
.global h2 { color: #fff; }
.global p { color: #E3ECF8; font-size: 1.15rem; }

/* ---------- FAQ ---------- */
.faq__item { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); margin-bottom: 12px; overflow: hidden; }
.faq__item summary { list-style: none; cursor: pointer; display: flex; justify-content: space-between; align-items: center; gap: 16px; padding: 18px 22px; font-weight: 700; color: var(--blue-primary); }
.faq__item summary::-webkit-details-marker { display: none; }
.faq__item summary .icon { color: var(--gold); transition: transform .25s; }
.faq__item[open] summary .icon { transform: rotate(45deg); color: var(--orange); }
.faq__item[open] { border-color: var(--gold); }
.faq__answer { padding: 0 22px 18px; color: var(--ink-soft); }
.faq__answer p { margin: 0; }
.faq__item summary:hover { background: var(--grey-light); }

/* ---------- CTA band ---------- */
.cta-band { background: var(--blue-primary); border-top: 4px solid var(--gold); color: #fff; padding: 56px 0; }
.cta-band__inner { display: flex; flex-wrap: wrap; justify-content: space-between; align-items: center; gap: 28px; }
.cta-band h2 { color: #fff; margin-bottom: .3em; }
.cta-band p { color: #D6E2F3; margin: 0; max-width: 560px; }
.cta-band__actions { display: flex; flex-wrap: wrap; gap: 14px; }

/* ---------- notices ---------- */
.notice { background: var(--blue-pale); border-left: 4px solid var(--blue-secondary); border-radius: 6px; padding: 14px 18px; margin: 24px 0; font-size: .95rem; color: var(--ink); }
.notice--draft { background: #FFF4E5; border-left-color: var(--orange); }
.notice--status { background: #FFF9E3; border-left-color: var(--gold); }

/* ---------- service + article pages ---------- */
.service-layout { display: grid; grid-template-columns: minmax(0, 1fr) 340px; gap: 48px; align-items: start; }
.service-main h2 { margin-top: 1.4em; font-size: 1.6rem; }
.service-main h2:first-of-type { margin-top: 0; }
.service-side { position: sticky; top: calc(var(--header-h) + 20px); }
.side-card { margin-bottom: 20px; }
.side-card:hover { transform: none; }
.side-links { list-style: none; padding: 0; margin: 0; }
.side-links li { border-bottom: 1px solid var(--line); }
.side-links a { display: block; padding: 10px 0; text-decoration: none; font-weight: 600; }
.prose h2 { font-size: 1.6rem; margin-top: 1.6em; }
.prose p, .prose li { font-size: 1.08rem; }
.article-meta { color: var(--ink-soft); font-size: .92rem; }

/* ---------- contact / locations / forms ---------- */
.contact-layout, .location-layout { display: grid; grid-template-columns: 1fr 1.25fr; gap: 48px; align-items: start; }
.contact-list { list-style: none; padding: 0; margin: 0 0 22px; }
.contact-list li { display: flex; gap: 14px; margin-bottom: 14px; align-items: flex-start; }
.contact-list .icon { color: var(--blue-secondary); margin-top: 3px; }
address { font-style: normal; }
.map { border-radius: var(--radius); overflow: hidden; border: 1px solid var(--line); min-height: 380px; background: var(--grey-light); }
.map iframe { width: 100%; height: 100%; min-height: 420px; border: 0; }
.map--fallback { display: grid; place-items: center; padding: 32px; text-align: center; color: var(--ink-soft); }
.map--fallback .icon { width: 44px; height: 44px; color: var(--gold); margin: 0 auto 10px; }

.form-card { background: #fff; border: 1px solid var(--line); border-top: 4px solid var(--gold); border-radius: var(--radius); box-shadow: var(--shadow-md); padding: clamp(22px, 4vw, 40px); }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 0 20px; }
.field { margin-bottom: 18px; position: relative; }
.field label { display: block; font-weight: 700; color: var(--blue-primary); margin-bottom: 6px; font-size: .96rem; }
.req { color: #B3261E; }
.opt { font-weight: 400; color: var(--ink-soft); }
.field input[type="text"], .field input[type="email"], .field input[type="tel"], .field select, .field textarea { width: 100%; padding: 12px 14px; font: inherit; color: var(--ink); background: #fff; border: 1.5px solid #AEB9C9; border-radius: 8px; min-height: 48px; transition: border-color .2s, box-shadow .2s; }
.field textarea { resize: vertical; min-height: 140px; }
.field input:focus, .field select:focus, .field textarea:focus { border-color: var(--blue-secondary); box-shadow: 0 0 0 3px rgba(23, 74, 139, .25); outline: none; }
.field.has-error input, .field.has-error select, .field.has-error textarea { border-color: #B3261E; }
.field__error { color: #B3261E; font-size: .88rem; margin: 6px 0 0; min-height: 0; }
.field__error:empty { display: none; }
.hint { font-size: .85rem; color: var(--ink-soft); margin: 4px 0 0; }
.field--check { display: grid; grid-template-columns: 24px 1fr; gap: 10px; align-items: start; }
.field--check input { width: 22px; height: 22px; margin-top: 3px; accent-color: var(--blue-primary); }
.field--check label { font-weight: 400; color: var(--ink); margin: 0; }
.field--check .field__error { grid-column: 1 / -1; }
.field--hp { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }
.btn__spinner { display: none; width: 18px; height: 18px; border: 3px solid rgba(11, 45, 92, .3); border-top-color: var(--blue-primary); border-radius: 50%; animation: spin .8s linear infinite; }
.btn.is-loading .btn__spinner { display: inline-block; }
@keyframes spin { to { transform: rotate(360deg); } }
.form-status { margin-top: 18px; border-radius: 8px; }
.form-status:empty { display: none; }
.form-status > div { padding: 16px 18px; border-radius: 8px; }
.form-status--ok > div { background: #E8F6EC; border: 1px solid #3F9A5A; color: #134D26; }
.form-status--error > div { background: #FDECEA; border: 1px solid #B3261E; color: #6B1610; }
.form-status a { color: inherit; font-weight: 700; }

/* ---------- footer ---------- */
.site-footer { background: var(--blue-primary); color: #D6E2F3; border-top: 4px solid var(--gold); font-size: .98rem; }
.footer__grid { display: grid; grid-template-columns: 1.4fr 1fr 1.2fr 1.4fr; gap: 40px; padding-top: 64px; padding-bottom: 48px; }
.footer__name { color: #fff; font-weight: 700; margin-top: 18px; }
.footer__h { font-family: var(--font); color: #fff; font-size: 1rem; text-transform: uppercase; letter-spacing: .1em; padding-bottom: 12px; margin-bottom: 16px; border-bottom: 2px solid var(--gold); display: inline-block; }
.footer__list { list-style: none; margin: 0; padding: 0; }
.footer__list li { margin-bottom: 9px; }
.site-footer a { color: #D6E2F3; text-decoration: none; }
.site-footer a:hover { color: #fff; text-decoration: underline; }
.footer__contact li { display: flex; gap: 12px; align-items: flex-start; }
.footer__contact .icon { color: var(--gold); width: 20px; height: 20px; margin-top: 3px; }
.footer__contact a { color: var(--orange); font-weight: 600; }
.footer__contact a:hover { color: #FFB066; }
.footer__reg { color: #B9C9E0; font-size: .9rem; }
.site-footer .placeholder { color: #B9C9E0; }
.footer__bottom { border-top: 1px solid rgba(255, 255, 255, .15); }
.footer__bottom-inner { display: flex; flex-wrap: wrap; justify-content: space-between; gap: 8px 24px; padding-top: 20px; padding-bottom: 20px; font-size: .9rem; }
.footer__bottom p { margin: 0; }

.wa-float { position: fixed; right: 18px; bottom: 18px; z-index: 90; width: 58px; height: 58px; border-radius: 50%; background: var(--orange); color: var(--blue-primary); display: grid; place-items: center; box-shadow: 0 6px 20px rgba(11, 45, 92, .35); border: 3px solid #fff; transition: transform .2s, background-color .2s; text-decoration: none; }
.wa-float:hover { transform: scale(1.08); background: var(--orange-dark); color: var(--blue-primary); }
.wa-float .icon { width: 30px; height: 30px; }

/* ---------- reveal animation (only when JS is running) ---------- */
.reveal-ready .reveal { opacity: 0; transform: translateY(22px); transition: opacity .6s ease, transform .6s ease; }
.reveal-ready .reveal.is-visible { opacity: 1; transform: none; }

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: .01ms !important; animation-iteration-count: 1 !important; transition-duration: .01ms !important; }
  .reveal-ready .reveal { opacity: 1; transform: none; }
}
```css
/* =========================
   INSIGHTS - BLOGS SECTION
========================= */

.blogs-section {
  padding: 80px 20px;
  background: #f4f6f9;
}

.blogs-container {
  width: 100%;
  max-width: 1200px;
  margin: 0 auto;
}

.blogs-heading {
  max-width: 720px;
  margin: 0 auto 45px;
  text-align: center;
}

.blogs-eyebrow {
  display: inline-block;
  margin-bottom: 12px;
  color: #b38a20;
  font-size: 12px;
  font-weight: 800;
  letter-spacing: 2px;
}

.blogs-heading h2 {
  margin: 0 0 15px;
  color: #0b2d5c;
  font-size: clamp(30px, 4vw, 44px);
  font-weight: 800;
}

.blogs-heading p {
  margin: 0;
  color: #626d7b;
  font-size: 16px;
  line-height: 1.8;
}

.blogs-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 24px;
}

.blog-card {
  display: flex;
  flex-direction: column;
  min-width: 0;
  padding: 28px;
  background: #ffffff;
  border: 1px solid #e4e9f0;
  border-top: 3px solid #d4af37;
  border-radius: 10px;
  box-shadow: 0 8px 25px rgba(11, 45, 92, 0.05);
  transition: transform 0.25s ease,
              box-shadow 0.25s ease;
}

.blog-card:hover {
  transform: translateY(-5px);
  box-shadow: 0 14px 32px rgba(11, 45, 92, 0.12);
}

.blog-category {
  align-self: flex-start;
  margin-bottom: 16px;
  padding: 6px 10px;
  background: #eef3fa;
  border-radius: 4px;
  color: #174a8b;
  font-size: 11px;
  font-weight: 800;
  letter-spacing: 0.6px;
  text-transform: uppercase;
}

.blog-card h3 {
  margin: 0 0 13px;
  color: #0b2d5c;
  font-size: 20px;
  line-height: 1.45;
}

.blog-card p {
  margin: 0 0 22px;
  color: #657080;
  font-size: 14px;
  line-height: 1.8;
}

.blog-card a {
  display: inline-flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  width: fit-content;
  margin-top: auto;
  color: #174a8b;
  font-size: 14px;
  font-weight: 800;
  text-decoration: none;
}

.blog-card a span {
  color: #d4af37;
  font-size: 18px;
  transition: transform 0.2s ease;
}

.blog-card a:hover {
  color: #b38a20;
}

.blog-card a:hover span {
  transform: translate(3px, -3px);
}

.blogs-footer {
  margin-top: 35px;
  text-align: center;
  color: #657080;
  font-size: 14px;
}

@media (max-width: 900px) {
  .blogs-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 18px;
  }

  .blog-card {
    padding: 23px;
  }
}

@media (max-width: 600px) {
  .blogs-section {
    padding: 55px 16px;
  }

  .blogs-heading {
    margin-bottom: 30px;
  }

  .blogs-grid {
    grid-template-columns: 1fr;
    gap: 16px;
  }

  .blog-card {
    padding: 23px;
  }

  .blog-card h3 {
    font-size: 19px;
  }
}

@media (prefers-reduced-motion: reduce) {
  .blog-card,
  .blog-card a span {
    transition: none;
  }

  .blog-card:hover {
    transform: none;
  }
}