/* ═══════════════════════════════════════════
   SITE SHELL — global header + bank-style home
   Load AFTER fonts.css (and after styles.css on tokenization.php)
   ═══════════════════════════════════════════ */
:root {
    --sh-h: 68px;
    --navy: #0B1F3A;
    --navy-2: #14305A;
    --ink: #17212E;
    --muted: #566274;
    --line: #DDE2E9;
    --soft: #F3F5F8;
    --white: #FFFFFF;
    --accent: #D4AF37;
    --accent-hover: #E2C055;
    --accent-ink: #7A5C0E;
    --focus: #1F6FEB;
}

/* ── Global header ─────────────────────────── */
.site-header, .site-header * { box-sizing: border-box; }
.site-header {
    position: sticky; top: 0; z-index: 500;
    background: var(--white);
    border-bottom: 1px solid var(--line);
    font-family: 'Raleway', system-ui, sans-serif;
    line-height: 1.3;
    color: var(--ink);
}
.sh-bar {
    max-width: 1240px; margin: 0 auto; height: var(--sh-h);
    padding: 0 24px; display: flex; align-items: center; gap: 40px;
}
.sh-brand { display: flex; align-items: center; gap: 10px; text-decoration: none; color: var(--navy); }
.sh-brand img { border-radius: 50%; display: block; }
.sh-brand img.sh-seal { border-radius: 0; }
.sh-brand span { font-weight: 600; font-size: 1.15rem; letter-spacing: -0.01em; }

.sh-nav { display: flex; align-items: center; flex: 1; justify-content: space-between; }
.sh-nav ul { list-style: none; display: flex; gap: 4px; margin: 0; padding: 0; }
.sh-nav li { position: relative; }
.sh-nav ul a, .dd-btn {
    display: inline-flex; align-items: center; gap: 6px;
    padding: 10px 14px; font: 500 0.95rem 'Raleway', system-ui, sans-serif;
    color: var(--ink); text-decoration: none; background: none; border: 0; border-radius: 6px; cursor: pointer;
}
.sh-nav ul > li > a:hover, .dd-btn:hover, .has-dd.open > .dd-btn { background: var(--soft); }
.sh-nav a[aria-current="page"], .has-dd.is-active > .dd-btn { box-shadow: inset 0 -3px 0 var(--accent); border-radius: 6px 6px 0 0; }
.dd-btn::after {
    content: ''; width: 7px; height: 7px; margin-top: -3px;
    border-right: 2px solid currentColor; border-bottom: 2px solid currentColor; transform: rotate(45deg);
    transition: transform .15s;
}
.has-dd.open > .dd-btn::after { transform: rotate(-135deg); margin-top: 3px; }

.dd {
    display: none; position: absolute; top: calc(100% + 6px); left: 0; min-width: 320px;
    background: var(--white); border: 1px solid var(--line); border-radius: 10px;
    box-shadow: 0 12px 32px rgba(11,31,58,.14); padding: 8px;
}
.has-dd.open > .dd { display: block; }
@media (hover: hover) and (min-width: 901px) { .has-dd:hover > .dd { display: block; } }
.sh-nav .dd a { display: block; width: 100%; padding: 12px 14px; border-radius: 6px; }
.sh-nav .dd a:hover { background: var(--soft); }
.sh-nav .dd strong { display: block; font-weight: 600; font-size: .95rem; color: var(--navy); }
.sh-nav .dd span { display: block; font-size: .82rem; color: var(--muted); margin-top: 2px; font-weight: 400; }

.sh-signin {
    padding: 10px 22px; border-radius: 999px; border: 2px solid var(--navy);
    font: 600 .92rem 'Raleway', system-ui, sans-serif; color: var(--navy); text-decoration: none;
}
.sh-signin:hover { background: var(--navy); color: var(--white); }

.sh-toggle { display: none; margin-left: auto; background: none; border: 0; padding: 10px; cursor: pointer; }
.sh-toggle span { display: block; width: 24px; height: 2px; background: var(--navy); margin: 5px 0; }

.site-header a:focus-visible, .site-header button:focus-visible,
.home a:focus-visible, .home button:focus-visible { outline: 3px solid var(--focus); outline-offset: 2px; }

/* Header on tokenization.php: fixed above the page's own (now sub-) nav */
body.has-site-header { padding-top: var(--sh-h); }
body.has-site-header .site-header { position: fixed; top: 0; left: 0; right: 0; }
body.has-site-header.page-landing > nav { top: var(--sh-h); }
.subnav-title {
    font-family: var(--font-display, 'Cinzel', serif); font-weight: 600; font-size: 1rem;
    letter-spacing: .08em; color: var(--gold, #D4AF37); white-space: nowrap;
}

/* ── Home page ─────────────────────────────── */
.home { margin: 0; font-family: 'Raleway', system-ui, sans-serif; color: var(--ink); background: var(--white); line-height: 1.6; -webkit-font-smoothing: antialiased; }
.home *, .home *::before, .home *::after { box-sizing: border-box; }
.home h1, .home h2, .home h3, .home p, .home ul { margin: 0; padding: 0; }
.home ul, .home ol { list-style: none; margin: 0; padding: 0; }
.wrap { max-width: 1240px; margin: 0 auto; padding: 0 24px; }

.utility { background: var(--soft); border-bottom: 1px solid var(--line); font-size: .8rem; }
.utility .wrap { display: flex; justify-content: space-between; gap: 16px; padding-top: 8px; padding-bottom: 8px; color: var(--muted); }
.utility a { color: var(--navy); text-decoration: none; font-weight: 500; margin-left: 20px; }
.utility a:hover { text-decoration: underline; }

.btn { display: inline-block; padding: 14px 28px; border-radius: 999px; font: 600 1rem 'Raleway', system-ui, sans-serif; text-decoration: none; border: 2px solid transparent; cursor: pointer; }
.btn-accent { background: var(--accent); color: var(--navy); }
.btn-accent:hover { background: var(--accent-hover); }
.btn-ghost { border-color: rgba(255,255,255,.7); color: var(--white); }
.btn-ghost:hover { background: rgba(255,255,255,.12); }
.btn-navy { background: var(--navy); color: var(--white); }
.btn-navy:hover { background: var(--navy-2); }

/* Hero (full-width photo: replace images/hero.jpg to change it) */
:root { --hero-image: url('images/hero.jpg'); }
.hero-home { position: relative; color: var(--white); background: var(--navy) var(--hero-image) center / cover no-repeat; }
.hero-home::before { content: ''; position: absolute; inset: 0; background: linear-gradient(90deg, rgba(11,31,58,.92) 0%, rgba(11,31,58,.72) 50%, rgba(11,31,58,.35) 100%); }
.hero-home .wrap { position: relative; display: grid; grid-template-columns: 1.05fr .95fr; gap: 56px; align-items: center; padding-top: 96px; padding-bottom: 96px; }
.hero-home h1 { font-size: clamp(2.3rem, 5vw, 3.6rem); font-weight: 600; line-height: 1.08; letter-spacing: -0.02em; max-width: 14ch; }
.hero-home .lede { margin-top: 20px; font-size: 1.15rem; max-width: 46ch; color: #E3E9F3; font-weight: 400; }
.hero-actions { margin-top: 32px; display: flex; flex-wrap: wrap; gap: 14px; }


.hero-panel { display: grid; align-items: center; justify-items: end; }
.summary { width: 100%; max-width: 440px; background: var(--white); color: var(--ink); border-radius: 12px; padding: 20px 22px; }
.summary h2 { font-size: .95rem; font-weight: 600; color: var(--navy); padding-bottom: 10px; border-bottom: 1px solid var(--line); }
.summary dl { margin: 0; }
.summary .row { display: flex; justify-content: space-between; gap: 16px; padding: 9px 0; border-bottom: 1px solid var(--line); font-size: .92rem; }
.summary .row:last-child { border-bottom: 0; padding-bottom: 0; }
.summary dt { color: var(--muted); }
.summary dd { margin: 0; font-weight: 600; text-align: right; }

/* Quick links */
.quick { background: var(--white); border-bottom: 1px solid var(--line); }
.quick ul { display: grid; grid-template-columns: repeat(4, 1fr); }
.quick li + li { border-left: 1px solid var(--line); }
.quick a { display: flex; align-items: center; gap: 16px; padding: 28px 24px; text-decoration: none; color: var(--navy); font-weight: 600; }
.quick a:hover { background: var(--soft); }
.quick svg { flex: none; width: 32px; height: 32px; stroke: var(--navy); fill: none; stroke-width: 1.6; stroke-linecap: round; stroke-linejoin: round; }
.quick small { display: block; font-weight: 400; color: var(--muted); font-size: .84rem; }

/* Sections */
.band { padding: 88px 0; }
.band.soft { background: var(--soft); }
.band h2 { font-size: clamp(1.8rem, 3.4vw, 2.5rem); font-weight: 600; line-height: 1.15; letter-spacing: -0.015em; color: var(--navy); }
.band .intro { margin-top: 16px; max-width: 60ch; color: var(--muted); font-size: 1.08rem; }
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: start; }

.steps { display: grid; gap: 0; border-top: 1px solid var(--line); }
.steps li { padding: 22px 0; border-bottom: 1px solid var(--line); }
.steps h3 { font-size: 1.1rem; color: var(--navy); font-weight: 600; }
.steps p { margin-top: 4px; color: var(--muted); }
.band .link { display: inline-block; margin-top: 28px; color: var(--navy); font-weight: 600; text-decoration: underline; text-underline-offset: 4px; text-decoration-thickness: 2px; }
.band .link:hover { text-decoration-color: var(--accent); }

.facts { background: var(--white); border: 1px solid var(--line); border-radius: 14px; padding: 8px 28px; }
.facts .row { display: grid; grid-template-columns: 11rem 1fr; gap: 16px; padding: 18px 0; border-bottom: 1px solid var(--line); }
.facts .row:last-child { border-bottom: 0; }
.facts dt { color: var(--muted); font-size: .92rem; }
.facts dd { margin: 0; font-weight: 600; color: var(--navy); }

.res-grid { margin-top: 40px; display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.res-card { display: flex; flex-direction: column; align-items: flex-start; text-align: left; padding: 28px 24px; border: 1px solid var(--line); border-radius: 14px; text-decoration: none; color: var(--ink); background: var(--white); }
.res-card:hover { border-color: var(--navy); }
.res-card h3 { font-size: 1.1rem; color: var(--navy); font-weight: 600; }
.res-card p { margin-top: 8px; color: var(--muted); font-size: .94rem; flex: 1; }
.res-card span { margin-top: 20px; font-weight: 600; color: var(--navy); text-decoration: underline; text-underline-offset: 4px; }

.cta-band { background: var(--navy); color: var(--white); padding: 64px 0; }
.cta-band .wrap { display: flex; align-items: center; justify-content: space-between; gap: 32px; flex-wrap: wrap; }
.cta-band h2 { font-size: clamp(1.5rem, 3vw, 2rem); font-weight: 600; }
.cta-band p { margin-top: 6px; color: #C9D3E3; }

/* Footer */
.home-footer { background: #08172C; color: #B9C4D6; padding: 56px 0 32px; font-size: .9rem; }
.home-footer .cols { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 40px; }
.home-footer h3 { color: var(--white); font-size: .95rem; font-weight: 600; margin-bottom: 14px; }
.home-footer a { display: block; color: #B9C4D6; text-decoration: none; padding: 4px 0; }
.home-footer a:hover { color: var(--white); text-decoration: underline; }
.home-footer .about-line { max-width: 34ch; }
.disclosure { margin-top: 44px; padding-top: 28px; border-top: 1px solid rgba(255,255,255,.14); font-size: .8rem; line-height: 1.7; color: #93A1B8; }
.disclosure p + p { margin-top: 10px; }

/* Responsive */
@media (max-width: 1000px) {
    .res-grid { grid-template-columns: repeat(2, 1fr); }
    .quick ul { grid-template-columns: repeat(2, 1fr); }
    .quick li:nth-child(3) { border-left: 0; }
    .quick li:nth-child(n+3) { border-top: 1px solid var(--line); }
}
@media (max-width: 900px) {
    .sh-toggle { display: block; }
    .sh-nav {
        display: none; position: absolute; top: 100%; left: 0; right: 0; background: var(--white);
        border-bottom: 1px solid var(--line); padding: 12px 24px 24px; flex-direction: column; align-items: stretch; gap: 16px;
        max-height: calc(100vh - var(--sh-h)); overflow-y: auto;
    }
    .site-header.menu-open .sh-nav { display: flex; }
    .sh-nav ul { flex-direction: column; }
    .sh-nav ul a, .dd-btn { width: 100%; justify-content: space-between; padding: 14px 8px; }
    .dd { position: static; min-width: 0; box-shadow: none; border: 0; padding: 0 0 8px 12px; }
    .sh-signin { text-align: center; }
    .hero-home .wrap, .split { grid-template-columns: 1fr; gap: 40px; }
    .hero-home .wrap { padding-top: 48px; padding-bottom: 48px; }
    .hero-panel { justify-items: stretch; }
    .summary { max-width: none; }
    .band { padding: 64px 0; }
    .home-footer .cols { grid-template-columns: 1fr 1fr; }
    .utility .wrap > span { display: none; }
    .utility .wrap { justify-content: flex-end; }
}
@media (max-width: 560px) {
    .res-grid, .quick ul { grid-template-columns: 1fr; }
    .quick li + li { border-left: 0; border-top: 1px solid var(--line); }
    .facts .row { grid-template-columns: 1fr; gap: 2px; }
    .home-footer .cols { grid-template-columns: 1fr; }
}

/* Placeholder pages (about / resources) */
.page-blank { min-height: 55vh; padding: 64px 0; }
.page-blank h1 { font-size: clamp(2rem, 4vw, 2.8rem); font-weight: 600; letter-spacing: -0.015em; color: var(--navy); margin: 0; }

.foot-seal { display: block; width: 72px; height: 72px; padding: 6px; margin-bottom: 14px; background: var(--white); border-radius: 50%; }