/* ═══════════════════════════════════════
   ENGEL FINANCIAL GROUP — Shared Styles
   ═══════════════════════════════════════ */

/* ── Variables ── */
:root {
  --navy:       #111d2b;
  --navy-mid:   #1a2d3f;
  --navy-light: #243851;
  --gold:       #b87333;
  --gold-light: #bd9468;
  --gold-pale:  #fbf3da;
  --off-white:  #f5ede0;
  --warm-white: #fbf3da;
  --text-dark:  #111d2b;
  --text-mid:   #3C4C62;
  --text-soft:  #6B7A8D;
}

* { box-sizing: border-box; margin: 0; padding: 0; }

body {
  font-family: 'Jost', sans-serif;
  background: var(--warm-white);
  color: var(--text-dark);
  -webkit-font-smoothing: antialiased;
}

h1, h2, h3, h4 {
  font-family: 'Cormorant Garamond', serif;
  letter-spacing: -0.02em;
}

/* ── Grain overlay ── */
body::before {
  content: '';
  position: fixed;
  inset: 0;
  pointer-events: none;
  z-index: 9999;
  opacity: 0.03;
  background-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 256 256' xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='noise'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.9' numOctaves='4' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23noise)'/%3E%3C/svg%3E");
  background-size: 200px;
}

/* ══════════════════════════════
   NAV
   ══════════════════════════════ */
nav {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 100;
  background: rgba(17, 29, 43, 0.97);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid rgba(184, 115, 51, 0.2);
}

.nav-inner {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 32px;
  height: 72px;
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.logo {
  display: flex;
  align-items: center;
  gap: 12px;
  text-decoration: none;
}

.logo-img {
  height: 52px;
  width: auto;
  object-fit: contain;
  border-radius: 2px;
  background: #fff;
  padding: 4px 8px;
}

.logo-img--footer { height: 56px; }

/* Desktop dropdown */
.nav-center { display: flex; align-items: center; }

.nav-dropdown { position: relative; }

.nav-dropdown-trigger {
  background: none;
  border: none;
  color: rgba(255,255,255,0.75);
  font-family: 'Jost', sans-serif;
  font-size: 13px;
  font-weight: 500;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  cursor: pointer;
  padding: 8px 0;
  display: flex;
  align-items: center;
  gap: 6px;
  transition: color 0.15s;
}

.nav-dropdown-trigger:hover { color: var(--gold-light); }

.nav-dropdown-trigger:focus-visible {
  outline: 2px solid var(--gold);
  outline-offset: 4px;
  border-radius: 2px;
}

.nav-dropdown + .nav-dropdown { margin-left: 32px; }

.nav-dropdown-trigger .chevron { transition: transform 0.2s; }

.nav-dropdown:hover .nav-dropdown-trigger .chevron { transform: rotate(180deg); }

.nav-dropdown-menu {
  position: absolute;
  top: calc(100% + 16px);
  left: 50%;
  transform: translateX(-50%);
  background: rgba(10,18,25,0.98);
  border: 1px solid rgba(184,115,51,0.2);
  border-radius: 4px;
  padding: 8px 0;
  min-width: 230px;
  opacity: 0;
  visibility: hidden;
  pointer-events: none;
  transition: opacity 0.2s, visibility 0.2s;
  z-index: 200;
  backdrop-filter: blur(12px);
}

.nav-dropdown-menu::before {
  content: '';
  position: absolute;
  top: -16px;
  left: 0;
  right: 0;
  height: 16px;
}

.nav-dropdown:hover .nav-dropdown-menu {
  opacity: 1;
  visibility: visible;
  pointer-events: auto;
}

.nav-dropdown-menu a {
  display: block;
  padding: 10px 20px;
  color: rgba(255,255,255,0.7);
  font-size: 13px;
  text-decoration: none;
  transition: color 0.15s, background 0.15s;
}

.nav-dropdown-menu a:hover {
  color: var(--gold-light);
  background: rgba(184,115,51,0.08);
}

/* Nav right */
.nav-right {
  display: flex;
  align-items: center;
  gap: 20px;
}

.nav-phone {
  display: flex;
  align-items: center;
  gap: 24px;
}

.phone-link {
  display: flex;
  align-items: center;
  gap: 8px;
  color: var(--gold-light);
  font-size: 15px;
  font-weight: 500;
  letter-spacing: 0.04em;
  text-decoration: none;
  transition: color 0.2s;
}

.phone-link:hover { color: #fff; }

/* Burger */
.burger-btn {
  display: none;
  background: none;
  border: none;
  cursor: pointer;
  padding: 4px;
  color: rgba(255,255,255,0.8);
  line-height: 0;
}

/* Mobile menu */
.mobile-menu {
  display: none;
  background: rgba(10,18,25,0.99);
  border-top: 1px solid rgba(184,115,51,0.15);
  padding: 16px 24px 28px;
  position: absolute;
  top: 72px;
  left: 0; right: 0;
  z-index: 99;
}

.mobile-menu.open { display: block; }

.mobile-section { border-bottom: 1px solid rgba(255,255,255,0.07); }

.mobile-accordion-trigger {
  width: 100%;
  background: none;
  border: none;
  color: rgba(255,255,255,0.75);
  font-family: 'Jost', sans-serif;
  font-size: 13px;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  font-weight: 500;
  cursor: pointer;
  padding: 14px 0;
  display: flex;
  justify-content: space-between;
  align-items: center;
}

.mobile-accordion-trigger .chevron { transition: transform 0.2s; }
.mobile-accordion-trigger.open .chevron { transform: rotate(180deg); }

.mobile-accordion-content { display: none; padding: 4px 0 12px 12px; }
.mobile-accordion-content.open { display: block; }

.mobile-accordion-content a {
  display: block;
  padding: 8px 0;
  color: rgba(255,255,255,0.55);
  font-size: 13px;
  text-decoration: none;
  transition: color 0.15s;
}

.mobile-accordion-content a:hover { color: var(--gold-light); }

.mobile-cta-area { padding-top: 16px; }

.mobile-phone-link {
  display: flex;
  align-items: center;
  gap: 8px;
  color: rgba(255,255,255,0.65);
  font-size: 14px;
  text-decoration: none;
  padding: 8px 0;
  margin-bottom: 12px;
}

.mobile-btn-nav {
  display: block;
  width: 100%;
  text-align: center;
  padding: 13px;
  background: var(--gold);
  color: var(--navy);
  font-family: 'Jost', sans-serif;
  font-weight: 700;
  font-size: 12px;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  border-radius: 2px;
  text-decoration: none;
  transition: background 0.2s;
}

.mobile-btn-nav:hover { background: var(--gold-light); }

/* ══════════════════════════════
   BUTTONS
   ══════════════════════════════ */
.btn-nav {
  background: var(--gold);
  color: var(--navy);
  font-family: 'Jost', sans-serif;
  font-weight: 600;
  font-size: 13px;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  padding: 10px 24px;
  border-radius: 2px;
  text-decoration: none;
  transition: background 0.2s, transform 0.15s;
  border: none;
  cursor: pointer;
  display: inline-block;
}

.btn-nav:hover { background: var(--gold-light); transform: translateY(-1px); }
.btn-nav:active { transform: translateY(0); }

.btn-primary {
  width: 100%;
  padding: 16px;
  background: var(--gold);
  color: var(--navy);
  font-family: 'Jost', sans-serif;
  font-weight: 700;
  font-size: 14px;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  border: none;
  border-radius: 2px;
  cursor: pointer;
  transition: background 0.2s, transform 0.15s, box-shadow 0.2s;
  box-shadow: 0 4px 16px rgba(184,115,51,0.35);
  margin-top: 4px;
}

.btn-primary:hover {
  background: var(--gold-light);
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(184,115,51,0.4);
}

.btn-primary:active { transform: translateY(0); }

.btn-dark {
  display: inline-block;
  padding: 16px 40px;
  background: var(--gold);
  color: var(--navy);
  font-family: 'Jost', sans-serif;
  font-weight: 700;
  font-size: 13px;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  border-radius: 2px;
  text-decoration: none;
  transition: background 0.2s, transform 0.15s, box-shadow 0.2s;
}

.btn-dark:hover {
  background: var(--gold-light);
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(184,115,51,0.3);
}

.btn-dark:active { transform: translateY(0); }

.btn-ghost {
  display: inline-block;
  padding: 16px 40px;
  background: transparent;
  color: rgba(255,255,255,0.75);
  font-family: 'Jost', sans-serif;
  font-weight: 500;
  font-size: 13px;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  border: 1px solid rgba(255,255,255,0.25);
  border-radius: 2px;
  text-decoration: none;
  transition: border-color 0.2s, color 0.2s;
}

.btn-ghost:hover {
  border-color: rgba(184,115,51,0.5);
  color: var(--gold-light);
}

/* ══════════════════════════════
   FORM CARD
   ══════════════════════════════ */
.form-card {
  background: var(--warm-white);
  border-radius: 4px;
  padding: 40px 36px;
  box-shadow:
    0 2px 4px rgba(0,0,0,0.08),
    0 8px 24px rgba(0,0,0,0.16),
    0 32px 64px rgba(0,0,0,0.2);
  position: relative;
}

.form-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--gold) 0%, var(--gold-light) 100%);
  border-radius: 4px 4px 0 0;
}

.form-card-title {
  font-family: 'Cormorant Garamond', serif;
  font-size: 26px;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 6px;
  line-height: 1.2;
}

.form-card-sub {
  font-size: 14px;
  font-weight: 400;
  color: var(--text-soft);
  margin-bottom: 28px;
  line-height: 1.5;
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
}

.form-group {
  display: flex;
  flex-direction: column;
  gap: 6px;
  margin-bottom: 14px;
}

.form-group label {
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--text-mid);
}

.form-group input,
.form-group select {
  width: 100%;
  padding: 12px 14px;
  border: 1.5px solid #DDD9D0;
  border-radius: 2px;
  font-family: 'Jost', sans-serif;
  font-size: 15px;
  font-weight: 400;
  color: var(--text-dark);
  background: #fff;
  transition: border-color 0.2s, box-shadow 0.2s;
  outline: none;
  appearance: none;
  -webkit-appearance: none;
}

.form-group select {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' viewBox='0 0 24 24' fill='none' stroke='%23b87333' stroke-width='2.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='6 9 12 15 18 9'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 14px center;
  padding-right: 44px;
  cursor: pointer;
}

.form-group select option { color: var(--text-dark); background: #fff; }

.form-group input:focus,
.form-group select:focus {
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(184,115,51,0.12);
}

.form-group input::placeholder { color: #BBBBBB; }

.form-disclaimer {
  margin-top: 14px;
  font-size: 11px;
  color: var(--text-soft);
  line-height: 1.5;
  text-align: center;
}

/* ══════════════════════════════
   FOOTER
   ══════════════════════════════ */
footer {
  background: #0a1219;
  padding: 72px 0 0;
}

.footer-inner {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 32px;
}

.footer-top {
  display: grid;
  grid-template-columns: 1.6fr 1fr 1fr 1fr;
  gap: 48px;
  padding-bottom: 56px;
  border-bottom: 1px solid rgba(255,255,255,0.07);
}

.footer-brand p {
  font-size: 14px;
  line-height: 1.7;
  color: rgba(255,255,255,0.4);
  margin-top: 20px;
  max-width: 280px;
}

.footer-col h4 {
  font-family: 'Jost', sans-serif;
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.35);
  margin-bottom: 20px;
}

.footer-col ul { list-style: none; }
.footer-col ul li { margin-bottom: 10px; }

.footer-col ul li a {
  font-size: 14px;
  color: rgba(255,255,255,0.55);
  text-decoration: none;
  transition: color 0.15s;
}

.footer-col ul li a:hover { color: var(--gold-light); }

.footer-bottom {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 24px 0;
  font-size: 13px;
  color: rgba(255,255,255,0.3);
}

.footer-bottom a { color: rgba(255,255,255,0.35); text-decoration: none; }
.footer-bottom a:hover { color: var(--gold); }

.footer-license { display: flex; align-items: center; gap: 8px; }

.license-dot {
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: #4ade80;
}

/* ══════════════════════════════
   COVERAGE PAGE SECTIONS
   ══════════════════════════════ */

/* Section base helpers */
.section-label {
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 12px;
  display: block;
}

.section-header { text-align: center; margin-bottom: 56px; }

.section-header h2 {
  font-size: clamp(30px, 4vw, 46px);
  font-weight: 600;
  color: var(--navy);
  line-height: 1.1;
}

.section-header h2 em { font-style: italic; color: var(--gold-light); }

/* Hero */
.page-hero {
  background: var(--navy);
  padding: 148px 0 96px;
  position: relative;
  overflow: hidden;
}

.page-hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse at 15% 60%, rgba(184,115,51,0.07) 0%, transparent 55%),
    radial-gradient(ellipse at 85% 20%, rgba(36,56,81,0.5) 0%, transparent 50%);
}

.page-hero-inner {
  max-width: 860px;
  margin: 0 auto;
  padding: 0 32px;
  text-align: center;
  position: relative;
}

.page-hero-inner .section-label { color: var(--gold); margin-bottom: 20px; }

.page-hero h1 {
  font-size: clamp(40px, 6vw, 72px);
  font-weight: 600;
  line-height: 1.05;
  color: #fff;
  margin-bottom: 24px;
}

.page-hero h1 em { font-style: italic; color: var(--gold-light); }

.page-hero p {
  font-size: 18px;
  font-weight: 300;
  line-height: 1.7;
  color: rgba(255,255,255,0.6);
  max-width: 580px;
  margin: 0 auto 44px;
}

.hero-ctas { display: flex; gap: 16px; justify-content: center; flex-wrap: wrap; }

/* What Is It */
.what-section { padding: 96px 0; background: var(--warm-white); }

.what-inner {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 32px;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
}

.what-content h2 {
  font-size: clamp(30px, 4vw, 46px);
  font-weight: 600;
  line-height: 1.1;
  color: var(--navy);
  margin-bottom: 24px;
}

.what-content p {
  font-size: 16px;
  line-height: 1.75;
  color: var(--text-mid);
  margin-bottom: 16px;
}

.fact-chips { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 28px; }

.fact-chip {
  padding: 8px 16px;
  background: rgba(184,115,51,0.08);
  border: 1px solid rgba(184,115,51,0.25);
  border-radius: 2px;
  font-size: 12px;
  font-weight: 500;
  letter-spacing: 0.04em;
  color: var(--navy);
}

.what-image {
  position: relative;
  border-radius: 4px;
  overflow: hidden;
  box-shadow: 0 24px 64px rgba(17,29,43,0.15);
}

.what-image img { width: 100%; height: 420px; object-fit: cover; display: block; }

.what-image::after {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(184,115,51,0.2) 0%, rgba(17,29,43,0.4) 100%);
  mix-blend-mode: multiply;
}

/* Who It's For */
.who-section { padding: 96px 0; background: #ede4d3; }

.who-inner { max-width: 1200px; margin: 0 auto; padding: 0 32px; }

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

.who-card {
  background: var(--warm-white);
  border: 1px solid rgba(184,115,51,0.15);
  border-radius: 4px;
  padding: 36px 28px;
  position: relative;
  overflow: hidden;
  transition: transform 0.25s cubic-bezier(0.34,1.56,0.64,1), box-shadow 0.25s;
}

.who-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 12px 40px rgba(17,29,43,0.10), 0 2px 8px rgba(184,115,51,0.07);
}

.who-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--gold), var(--gold-light));
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.3s ease;
}

.who-card:hover::before { transform: scaleX(1); }

.who-icon {
  width: 48px; height: 48px;
  background: rgba(184,115,51,0.1);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
  color: var(--gold);
}

.who-card h3 {
  font-family: 'Cormorant Garamond', serif;
  font-size: 22px;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 12px;
  letter-spacing: -0.01em;
}

.who-card p { font-size: 14px; line-height: 1.7; color: var(--text-mid); }

/* How It Works */
.how-section { padding: 96px 0; background: var(--navy); }
.how-inner { max-width: 1200px; margin: 0 auto; padding: 0 32px; }

.how-section .section-header h2 { color: #fff; }
.how-section .section-label { color: var(--gold); }

.steps-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 48px;
  margin-top: 56px;
}

.step-item { text-align: center; }

.step-num {
  width: 64px; height: 64px;
  border-radius: 50%;
  background: rgba(184,115,51,0.12);
  border: 2px solid var(--gold);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 24px;
  font-family: 'Cormorant Garamond', serif;
  font-size: 28px;
  font-weight: 600;
  color: var(--gold);
  transition: transform 0.25s cubic-bezier(0.34,1.56,0.64,1);
}

.step-item:hover .step-num { transform: scale(1.08); }

.step-item h3 {
  font-family: 'Cormorant Garamond', serif;
  font-size: 22px;
  font-weight: 600;
  color: #fff;
  margin-bottom: 12px;
}

.step-item p { font-size: 14px; line-height: 1.7; color: rgba(255,255,255,0.5); }

/* Benefits */
.benefits-section { padding: 96px 0; background: var(--warm-white); }
.benefits-inner { max-width: 1200px; margin: 0 auto; padding: 0 32px; }

.benefits-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px 40px;
  margin-top: 56px;
}

.benefit-item { display: flex; gap: 14px; align-items: flex-start; }

.benefit-icon {
  flex-shrink: 0;
  width: 20px; height: 20px;
  margin-top: 3px;
  color: var(--gold);
}

.benefit-text strong {
  display: block;
  font-size: 15px;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 4px;
}

.benefit-text span { font-size: 13px; color: var(--text-soft); line-height: 1.6; }

/* Form section */
.form-section { padding: 96px 0; background: var(--navy); }

.form-section-inner { max-width: 620px; margin: 0 auto; padding: 0 32px; }

.form-section-header { text-align: center; margin-bottom: 40px; }
.form-section-header h2 {
  font-size: clamp(28px, 4vw, 42px);
  font-weight: 600;
  color: #fff;
  line-height: 1.1;
}

/* FAQ */
.faq-section { padding: 96px 0; background: #ede4d3; }
.faq-inner { max-width: 760px; margin: 0 auto; padding: 0 32px; }
.faq-list { margin-top: 48px; }
.faq-item { border-bottom: 1px solid rgba(17,29,43,0.12); }

.faq-trigger {
  width: 100%;
  background: none;
  border: none;
  cursor: pointer;
  padding: 22px 0;
  display: flex;
  justify-content: space-between;
  align-items: center;
  text-align: left;
  gap: 20px;
}

.faq-trigger span { font-size: 16px; font-weight: 500; color: var(--navy); line-height: 1.4; }

.faq-chevron {
  flex-shrink: 0;
  width: 18px; height: 18px;
  color: var(--gold);
  transition: transform 0.25s;
}

.faq-item.open .faq-chevron { transform: rotate(180deg); }

.faq-answer { max-height: 0; overflow: hidden; transition: max-height 0.35s ease; }
.faq-item.open .faq-answer { max-height: 300px; }

.faq-answer-inner {
  padding: 0 0 20px;
  font-size: 15px;
  line-height: 1.75;
  color: var(--text-mid);
}

/* Bottom CTA */
.bottom-cta { padding: 96px 0; background: #0a1219; }

.bottom-cta-inner {
  max-width: 680px;
  margin: 0 auto;
  padding: 0 32px;
  text-align: center;
}

.bottom-cta h2 {
  font-size: clamp(32px, 4vw, 54px);
  font-weight: 600;
  color: #fff;
  line-height: 1.1;
  margin-bottom: 16px;
}

.bottom-cta h2 em { font-style: italic; color: var(--gold-light); }

.bottom-cta > .bottom-cta-inner > p {
  font-size: 16px;
  color: rgba(255,255,255,0.5);
  line-height: 1.7;
  margin-bottom: 40px;
}

/* ══════════════════════════════
   SCROLL ANIMATIONS
   ══════════════════════════════ */
.fade-up {
  transition: opacity 0.65s ease, transform 0.65s cubic-bezier(0.16,1,0.3,1);
}
.js-animations .fade-up {
  opacity: 0;
  transform: translateY(22px);
}
.fade-up.in-view { opacity: 1; transform: translateY(0); }

/* ══════════════════════════════
   SHARED RESPONSIVE
   ══════════════════════════════ */
@media (max-width: 1024px) {
  .what-inner { grid-template-columns: 1fr; gap: 32px; }
  .what-image img { height: 280px; }
  .benefits-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-top { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 768px) {
  .nav-center { display: none; }
  .nav-phone { display: none; }
  .burger-btn { display: block; }
  .who-cards { grid-template-columns: 1fr; }
  .steps-grid { grid-template-columns: 1fr; gap: 32px; }
  .form-row { grid-template-columns: 1fr; }
  .hero-ctas { flex-direction: column; align-items: center; }
  .footer-top { grid-template-columns: 1fr 1fr; }
  .footer-bottom { flex-direction: column; gap: 12px; text-align: center; }
}

@media (max-width: 480px) {
  .benefits-grid { grid-template-columns: 1fr; }
  .footer-top { grid-template-columns: 1fr; }
  .page-hero-inner { padding: 0 20px; }
  .form-section-inner { padding: 0 20px; }
}

/* ── Credential Pills ── */
.cred-pill {
  display: inline-block;
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  background: rgba(184,115,51,0.08);
  border: 1px solid rgba(184,115,51,0.25);
  border-radius: 20px;
  padding: 5px 14px;
  color: var(--gold);
  margin: 0;
}

/* ── OTP VERIFICATION FLOW ── */
.otp-digit-wrap { display: flex; gap: 10px; justify-content: center; margin: 28px 0 8px; }
.otp-digit {
  width: 44px; height: 56px; text-align: center; font-size: 24px; font-weight: 700;
  font-family: 'Cormorant Garamond', serif; color: var(--navy);
  border: 2px solid rgba(17,29,43,.2); border-radius: 8px; background: #fff;
  outline: none; transition: border-color .15s;
}
.otp-digit:focus { border-color: var(--gold); }
.otp-error-msg { color: #c0392b; font-size: 14px; margin: 0 0 12px; display: none; }
.otp-resend-row { margin-top: 18px; font-size: 13px; color: var(--text-soft); }
.otp-resend-row a { color: var(--gold); text-decoration: none; }
.otp-resend-row a:hover { text-decoration: underline; }
.success-check {
  width: 64px; height: 64px; border-radius: 50%; background: var(--gold);
  display: flex; align-items: center; justify-content: center; margin: 0 auto 20px;
}
.success-check svg { color: #fff; }