/* ============================================================
   WELMORE PARTNERS — Global Stylesheet
   ============================================================ */

/* --- Variables -------------------------------------------- */
:root {
  --primary:      #2C2C2C;
  --accent:       #D4AF72;
  --accent-dark:  #B8943E;
  --bg:           #FFFFFF;
  --text:         #222222;
  --text-muted:   #666666;
  --bg-secondary: #F8F7F4;
  --border:       #E2DDD6;
  --success:      #2D6A4F;
  --error:        #9B2226;

  --font-serif: Georgia, 'Times New Roman', serif;
  --font-sans:  'Inter', 'Helvetica Neue', Arial, sans-serif;

  --radius:    4px;
  --radius-lg: 8px;
  --shadow:    0 2px 12px rgba(0,0,0,0.08);
  --shadow-md: 0 4px 24px rgba(0,0,0,0.12);
  --max-w:     1160px;
  --nav-h:     72px;
}

/* --- Reset ------------------------------------------------- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  font-family: var(--font-sans);
  font-size: 16px;
  line-height: 1.65;
  color: var(--text);
  background: var(--bg);
  -webkit-font-smoothing: antialiased;
}
img, svg { display: block; max-width: 100%; }
a { color: inherit; text-decoration: none; }
ul, ol { list-style: none; }
button, input, select, textarea { font-family: inherit; font-size: inherit; }
button { cursor: pointer; border: none; background: none; }

/* --- Typography -------------------------------------------- */
h1, h2, h3, h4, h5 {
  font-family: var(--font-serif);
  line-height: 1.25;
  color: var(--primary);
  font-weight: normal;
}
h1 { font-size: clamp(2rem, 5vw, 3.25rem); letter-spacing: -0.01em; }
h2 { font-size: clamp(1.6rem, 3.5vw, 2.4rem); }
h3 { font-size: clamp(1.2rem, 2.5vw, 1.6rem); }
h4 { font-size: 1.15rem; }
p { margin-bottom: 1rem; }
p:last-child { margin-bottom: 0; }
.lead { font-size: 1.15rem; color: var(--text-muted); line-height: 1.7; }
.overline {
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--accent);
  margin-bottom: 0.75rem;
  display: block;
}
.section-label {
  display: inline-block;
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--accent);
  border-bottom: 1px solid var(--accent);
  padding-bottom: 2px;
  margin-bottom: 1rem;
}

/* --- Layout Helpers --------------------------------------- */
.container {
  width: 100%;
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 24px;
}
.section { padding: 80px 0; }
.section--alt { background: var(--bg-secondary); }
.section--dark { background: var(--primary); color: #fff; }
.section--dark h1,
.section--dark h2,
.section--dark h3,
.section--dark h4 { color: #fff; }
.section--dark .lead,
.section--dark p { color: rgba(255,255,255,0.78); }
.text-center { text-align: center; }
.mt-1 { margin-top: 0.5rem; }
.mt-2 { margin-top: 1rem; }
.mt-3 { margin-top: 1.5rem; }
.mt-4 { margin-top: 2rem; }
.mb-4 { margin-bottom: 2rem; }

/* --- Navigation ------------------------------------------- */
.site-nav {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: var(--bg);
  border-bottom: 1px solid var(--border);
  height: var(--nav-h);
  display: flex;
  align-items: center;
}
.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  width: 100%;
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 24px;
}
.nav-logo img { height: 48px; width: auto; display: block; }
.nav-links {
  display: flex;
  align-items: center;
  gap: 32px;
}
.nav-links a {
  font-size: 0.875rem;
  font-weight: 500;
  color: var(--text);
  letter-spacing: 0.02em;
  transition: color 0.15s;
}
.nav-links a:hover { color: var(--accent-dark); }
.nav-links a.active { color: var(--accent-dark); }
.nav-cta {
  margin-left: 8px;
}

/* Hamburger */
.nav-hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  padding: 6px;
  cursor: pointer;
  background: none;
  border: none;
}
.nav-hamburger span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--primary);
  transition: all 0.25s;
  transform-origin: center;
}
.nav-hamburger.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-hamburger.open span:nth-child(2) { opacity: 0; }
.nav-hamburger.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* Mobile nav drawer */
.nav-drawer {
  display: none;
  position: fixed;
  top: var(--nav-h);
  left: 0; right: 0;
  background: var(--bg);
  border-bottom: 1px solid var(--border);
  padding: 24px;
  z-index: 999;
  flex-direction: column;
  gap: 16px;
}
.nav-drawer.open { display: flex; }
.nav-drawer a {
  font-size: 1rem;
  font-weight: 500;
  color: var(--text);
  padding: 8px 0;
  border-bottom: 1px solid var(--border);
}
.nav-drawer a:last-child { border-bottom: none; }
.nav-drawer .btn { margin-top: 8px; text-align: center; }

/* --- Buttons --------------------------------------------- */
.btn {
  display: inline-block;
  padding: 13px 28px;
  font-size: 0.875rem;
  font-weight: 600;
  letter-spacing: 0.04em;
  border-radius: var(--radius);
  transition: background 0.18s, color 0.18s, border-color 0.18s, box-shadow 0.18s;
  white-space: nowrap;
  text-align: center;
}
.btn-primary {
  background: var(--accent);
  color: var(--primary);
  border: 2px solid var(--accent);
}
.btn-primary:hover {
  background: var(--accent-dark);
  border-color: var(--accent-dark);
  box-shadow: 0 2px 12px rgba(212,175,114,0.35);
}
.btn-secondary {
  background: transparent;
  color: var(--accent);
  border: 2px solid var(--accent);
}
.btn-secondary:hover {
  background: var(--accent);
  color: var(--primary);
}
.btn-outline-light {
  background: transparent;
  color: #fff;
  border: 2px solid rgba(255,255,255,0.5);
}
.btn-outline-light:hover {
  background: rgba(255,255,255,0.12);
  border-color: #fff;
}
.btn-sm { padding: 9px 20px; font-size: 0.8rem; }
.btn-lg { padding: 16px 36px; font-size: 1rem; }

/* --- Hero ------------------------------------------------ */
.hero {
  background: var(--primary);
  color: #fff;
  padding: 100px 0 90px;
  position: relative;
  overflow: hidden;
}
.hero::after {
  content: '';
  position: absolute;
  bottom: 0; left: 0; right: 0;
  height: 3px;
  background: var(--accent);
}
.hero h1 { color: #fff; max-width: 720px; }
.hero .lead { color: rgba(255,255,255,0.78); max-width: 620px; margin: 1.25rem 0 2rem; }
.hero-actions { display: flex; gap: 16px; flex-wrap: wrap; }
.hero-eyebrow {
  display: inline-block;
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--accent);
  border: 1px solid var(--accent);
  padding: 4px 12px;
  border-radius: 2px;
  margin-bottom: 1.5rem;
}

/* --- Cards ----------------------------------------------- */
.card {
  background: var(--bg);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 36px 32px;
  box-shadow: var(--shadow);
}
.card--accent-top { border-top: 3px solid var(--accent); }
.card h3 { margin-bottom: 0.75rem; }
.card-grid {
  display: grid;
  gap: 24px;
}
.card-grid--2 { grid-template-columns: repeat(2, 1fr); }
.card-grid--3 { grid-template-columns: repeat(3, 1fr); }
.card-grid--4 { grid-template-columns: repeat(4, 1fr); }

/* --- Audience Split -------------------------------------- */
.audience-split {
  padding: 80px 0;
}
.audience-card {
  background: var(--bg-secondary);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 48px 40px;
  display: flex;
  flex-direction: column;
}
.audience-card h3 { margin-bottom: 1rem; }
.audience-card p { flex: 1; color: var(--text-muted); margin-bottom: 2rem; }
.audience-label {
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--accent);
  margin-bottom: 0.5rem;
}

/* --- Steps ----------------------------------------------- */
.steps-grid {
  display: grid;
  gap: 32px;
  grid-template-columns: repeat(3, 1fr);
}
.step {
  position: relative;
}
.step-number {
  width: 44px;
  height: 44px;
  background: var(--accent);
  color: var(--primary);
  font-family: var(--font-serif);
  font-size: 1.2rem;
  font-weight: bold;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1rem;
  flex-shrink: 0;
}
.step h4 { margin-bottom: 0.5rem; }
.step p { color: var(--text-muted); font-size: 0.9rem; }

/* --- Trust Signals --------------------------------------- */
.trust-row {
  background: var(--primary);
  padding: 48px 0;
}
.trust-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  text-align: center;
}
.trust-item {}
.trust-value {
  font-family: var(--font-serif);
  font-size: clamp(2rem, 4vw, 2.8rem);
  color: var(--accent);
  display: block;
  line-height: 1;
  margin-bottom: 0.4rem;
}
.trust-label {
  font-size: 0.8rem;
  font-weight: 500;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.65);
}

/* --- Testimonials ---------------------------------------- */
.testimonial-card {
  background: var(--bg);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 32px;
  position: relative;
}
.testimonial-card::before {
  content: '\201C';
  font-family: var(--font-serif);
  font-size: 5rem;
  color: var(--accent);
  opacity: 0.3;
  position: absolute;
  top: 8px;
  left: 24px;
  line-height: 1;
}
.testimonial-body {
  font-size: 0.95rem;
  color: var(--text-muted);
  line-height: 1.75;
  margin-bottom: 1.5rem;
  padding-top: 1.5rem;
}
.testimonial-author {
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--primary);
}
.testimonial-title {
  font-size: 0.8rem;
  color: var(--text-muted);
}

/* --- Benefit List ---------------------------------------- */
.benefit-list { list-style: none; padding: 0; margin: 0 0 2rem; }
.benefit-list li {
  display: flex;
  gap: 12px;
  align-items: flex-start;
  padding: 12px 0;
  border-bottom: 1px solid var(--border);
  font-size: 0.95rem;
}
.benefit-list li:last-child { border-bottom: none; }
.benefit-list li::before {
  content: '✦';
  color: var(--accent);
  font-size: 0.75rem;
  margin-top: 4px;
  flex-shrink: 0;
}

/* --- Forms ----------------------------------------------- */
.form-section { padding: 80px 0; background: var(--bg-secondary); }
.form-wrap {
  max-width: 620px;
  margin: 0 auto;
  background: var(--bg);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 48px 44px;
  box-shadow: var(--shadow-md);
}
.form-group { margin-bottom: 20px; }
.form-group label {
  display: block;
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  color: var(--text-muted);
  margin-bottom: 6px;
}
.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 12px 16px;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  background: var(--bg);
  color: var(--text);
  font-size: 0.95rem;
  transition: border-color 0.15s, box-shadow 0.15s;
  -webkit-appearance: none;
  appearance: none;
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  outline: none;
  border-color: var(--accent);
  box-shadow: 0 0 0 3px rgba(212,175,114,0.18);
}
.form-group select {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%23666' stroke-width='1.5' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 14px center;
  padding-right: 40px;
}
.form-group textarea { min-height: 120px; resize: vertical; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-disclaimer {
  font-size: 0.78rem;
  color: var(--text-muted);
  margin-top: 16px;
  line-height: 1.5;
}
.form-submit { width: 100%; padding: 15px; margin-top: 8px; font-size: 0.95rem; }

/* Alert banners */
.alert {
  padding: 14px 20px;
  border-radius: var(--radius);
  font-size: 0.9rem;
  font-weight: 500;
  margin-top: 16px;
  display: none;
}
.alert.visible { display: block; }
.alert-success { background: #D1FAE5; color: #065F46; border: 1px solid #6EE7B7; }
.alert-error   { background: #FEE2E2; color: #991B1B; border: 1px solid #FCA5A5; }

/* --- Accordion ------------------------------------------- */
.accordion { border-top: 1px solid var(--border); }
.accordion-item { border-bottom: 1px solid var(--border); }
.accordion-trigger {
  display: flex;
  align-items: center;
  justify-content: space-between;
  width: 100%;
  background: none;
  border: none;
  padding: 20px 0;
  text-align: left;
  cursor: pointer;
  gap: 16px;
}
.accordion-trigger:hover { color: var(--accent-dark); }
.accordion-question {
  font-family: var(--font-serif);
  font-size: 1.05rem;
  color: var(--primary);
  flex: 1;
}
.accordion-icon {
  width: 22px;
  height: 22px;
  border: 1px solid var(--border);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  font-size: 0.8rem;
  color: var(--accent);
  transition: transform 0.2s;
}
.accordion-item.open .accordion-icon { transform: rotate(45deg); }
.accordion-body {
  display: none;
  padding: 0 0 20px 0;
  color: var(--text-muted);
  font-size: 0.95rem;
  line-height: 1.75;
  max-width: 720px;
}
.accordion-item.open .accordion-body { display: block; }
.accordion-section-label {
  font-family: var(--font-serif);
  font-size: 1.4rem;
  color: var(--primary);
  margin: 48px 0 24px;
}
.accordion-section-label:first-child { margin-top: 0; }

/* --- Calendly embed -------------------------------------- */
.calendly-section { padding: 80px 0; background: var(--bg-secondary); }
.calendly-section h2 { text-align: center; margin-bottom: 8px; }
.calendly-section .lead { text-align: center; margin-bottom: 40px; }
.calendly-inline-widget {
  min-width: 320px;
  height: 700px;
  border-radius: var(--radius-lg);
  overflow: hidden;
  border: 1px solid var(--border);
}

/* --- Loan type cards ------------------------------------- */
.loan-card {
  background: var(--bg-secondary);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 36px 32px;
  border-top: 3px solid var(--accent);
}
.loan-card h3 { margin-bottom: 0.75rem; }
.loan-card p { color: var(--text-muted); font-size: 0.95rem; }

/* --- Team bio card --------------------------------------- */
.team-card {
  background: var(--bg-secondary);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 40px;
  display: flex;
  gap: 36px;
  align-items: flex-start;
}
.team-photo {
  width: 120px;
  height: 120px;
  flex-shrink: 0;
  background: var(--border);
  border-radius: var(--radius-lg);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--text-muted);
  font-size: 0.75rem;
  text-align: center;
  font-weight: 500;
}
.team-info h4 { margin-bottom: 4px; font-size: 1.2rem; }
.team-title { font-size: 0.8rem; font-weight: 600; letter-spacing: 0.08em; text-transform: uppercase; color: var(--accent); margin-bottom: 1rem; display: block; }
.team-bio { font-size: 0.95rem; color: var(--text-muted); line-height: 1.75; }

/* --- CTA Section ---------------------------------------- */
.cta-section {
  background: var(--primary);
  padding: 80px 0;
  text-align: center;
}
.cta-section h2 { color: #fff; margin-bottom: 1rem; max-width: 640px; margin-left: auto; margin-right: auto; }
.cta-section p { color: rgba(255,255,255,0.7); margin-bottom: 2.5rem; }
.cta-actions { display: flex; gap: 16px; justify-content: center; flex-wrap: wrap; }

/* --- Legal pages ---------------------------------------- */
.legal-content {
  max-width: 820px;
  margin: 0 auto;
  padding: 60px 24px 80px;
}
.legal-content h1 { margin-bottom: 0.5rem; }
.legal-date { color: var(--text-muted); font-size: 0.85rem; margin-bottom: 2.5rem; display: block; }
.legal-content h2 { font-size: 1.3rem; margin: 2.5rem 0 0.75rem; }
.legal-content h3 { font-size: 1.05rem; margin: 1.5rem 0 0.5rem; }
.legal-content p { color: var(--text-muted); font-size: 0.95rem; line-height: 1.8; }
.legal-content ul {
  list-style: disc;
  padding-left: 1.5rem;
  margin-bottom: 1rem;
}
.legal-content ul li { color: var(--text-muted); font-size: 0.95rem; line-height: 1.8; margin-bottom: 0.25rem; }

/* --- Divider -------------------------------------------- */
.divider {
  border: none;
  border-top: 1px solid var(--border);
  margin: 0;
}

/* --- Two-col layout ------------------------------------- */
.two-col {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: start;
}
.two-col--wide { grid-template-columns: 3fr 2fr; }

/* --- Footer --------------------------------------------- */
.site-footer {
  background: var(--primary);
  color: rgba(255,255,255,0.65);
  padding: 48px 0 32px;
}
.footer-inner {
  display: flex;
  flex-direction: column;
  gap: 24px;
}
.footer-top {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  padding-bottom: 24px;
  border-bottom: 1px solid rgba(255,255,255,0.1);
  flex-wrap: wrap;
  gap: 24px;
}
.footer-brand {}
.footer-brand img { height: 40px; margin-bottom: 12px; opacity: 0.85; }
.footer-brand p { font-size: 0.8rem; max-width: 340px; line-height: 1.65; }
.footer-links {
  display: flex;
  flex-direction: column;
  gap: 8px;
  align-items: flex-end;
}
.footer-links a {
  font-size: 0.82rem;
  color: rgba(255,255,255,0.6);
  transition: color 0.15s;
}
.footer-links a:hover { color: var(--accent); }
.footer-bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 12px;
}
.footer-copy {
  font-size: 0.78rem;
}
.footer-disclaimer {
  font-size: 0.75rem;
  max-width: 580px;
  text-align: right;
  line-height: 1.5;
}

/* ============================================================
   RESPONSIVE
   ============================================================ */

@media (max-width: 1024px) {
  .card-grid--4 { grid-template-columns: repeat(2, 1fr); }
  .two-col--wide { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 768px) {
  :root { --nav-h: 64px; }

  .section { padding: 56px 0; }

  /* Nav */
  .nav-links { display: none; }
  .nav-hamburger { display: flex; }

  /* Typography */
  h1 { font-size: 2rem; }
  h2 { font-size: 1.6rem; }

  /* Grids → single column */
  .card-grid--2,
  .card-grid--3,
  .card-grid--4,
  .steps-grid,
  .trust-grid,
  .two-col,
  .two-col--wide { grid-template-columns: 1fr; }

  /* Audience cards */
  .audience-card { padding: 32px 24px; }

  /* Form */
  .form-wrap { padding: 32px 24px; }
  .form-row { grid-template-columns: 1fr; }

  /* Hero */
  .hero { padding: 64px 0 56px; }
  .hero-actions { flex-direction: column; align-items: flex-start; }
  .hero-actions .btn { width: 100%; text-align: center; }

  /* CTA */
  .cta-actions { flex-direction: column; align-items: center; }
  .cta-actions .btn { min-width: 240px; }

  /* Team card */
  .team-card { flex-direction: column; gap: 20px; }

  /* Footer */
  .footer-top { flex-direction: column; }
  .footer-links { align-items: flex-start; }
  .footer-bottom { flex-direction: column; }
  .footer-disclaimer { text-align: left; }

  /* Calendly */
  .calendly-inline-widget { height: 580px; }
}

@media (max-width: 480px) {
  .container { padding: 0 16px; }
  .card { padding: 24px 20px; }
  .form-wrap { padding: 24px 16px; }
  .trust-grid { grid-template-columns: 1fr; gap: 32px; }
}

/* --- Example Deal ---------------------------------------- */
.example-deal {
  max-width: 800px;
  margin: 0 auto;
  background: var(--bg);
  border: 1px solid var(--border);
  border-radius: 8px;
  overflow: hidden;
}
.deal-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0;
}
.deal-item {
  display: flex;
  flex-direction: column;
  padding: 1rem 1.5rem;
  border-bottom: 1px solid var(--border);
  border-right: 1px solid var(--border);
}
.deal-item:nth-child(even) { border-right: none; }
.deal-item:nth-last-child(-n+2) { border-bottom: none; }
.deal-label {
  font-size: 0.72rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--text-muted);
  margin-bottom: 0.25rem;
}
.deal-value {
  font-size: 1rem;
  color: var(--text);
  font-weight: 500;
}
.deal-outcome {
  padding: 1.5rem;
  background: var(--primary);
  color: #fff;
}
.deal-outcome .section-label {
  color: var(--accent);
}
.deal-outcome p {
  color: rgba(255,255,255,0.9);
  margin: 0.5rem 0 0;
  line-height: 1.7;
}
@media (max-width: 600px) {
  .deal-grid { grid-template-columns: 1fr; }
  .deal-item { border-right: none; border-bottom: 1px solid var(--border); }
  .deal-item:last-child { border-bottom: none; }
}

/* --- Why Choose Welmore ---------------------------------- */
.why-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-top: 48px;
}
.why-card {
  background: var(--bg);
  border: 1px solid var(--border);
  border-radius: 8px;
  padding: 32px 28px;
  display: flex;
  flex-direction: column;
  gap: 12px;
}
.why-icon {
  width: 48px;
  height: 48px;
  background: var(--accent);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.why-icon svg { width: 24px; height: 24px; stroke: var(--primary); fill: none; stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; }
.why-card h3 { font-size: 1.05rem; font-weight: 700; color: var(--text); margin: 0; }
.why-card p { font-size: 0.9rem; color: var(--text-muted); margin: 0; line-height: 1.6; }
@media (max-width: 900px) { .why-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 560px) { .why-grid { grid-template-columns: 1fr; } }

/* --- Talk to an Expert ----------------------------------- */
.expert-bar {
  background: var(--primary);
  padding: 48px 0;
}
.expert-bar-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 32px;
}
.expert-bar h2 { color: #fff; font-size: 1.5rem; margin: 0; }
.expert-bar p { color: rgba(255,255,255,0.75); margin: 8px 0 0; font-size: 0.95rem; }
.expert-bar .btn-accent {
  background: var(--accent);
  color: var(--primary);
  font-weight: 700;
  border: none;
  white-space: nowrap;
  flex-shrink: 0;
}
.expert-bar .btn-accent:hover { background: #c8a456; color: var(--primary); }
@media (max-width: 680px) {
  .expert-bar-inner { flex-direction: column; align-items: flex-start; }
}

/* --- Referral Page --------------------------------------- */
.referral-hero { background: var(--primary); padding: 72px 0 64px; text-align: center; }
.referral-hero h1 { color: #fff; }
.referral-hero p { color: rgba(255,255,255,0.8); max-width: 600px; margin: 16px auto 32px; font-size: 1.05rem; }

.referral-steps {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
  margin-top: 48px;
  counter-reset: referral-step;
}
.referral-step {
  text-align: center;
  padding: 36px 24px;
  background: var(--bg);
  border: 1px solid var(--border);
  border-radius: 8px;
  position: relative;
}
.referral-step-num {
  width: 48px;
  height: 48px;
  background: var(--accent);
  color: var(--primary);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 800;
  font-size: 1.1rem;
  margin: 0 auto 16px;
}
.referral-step h3 { font-size: 1rem; font-weight: 700; margin-bottom: 8px; }
.referral-step p { font-size: 0.88rem; color: var(--text-muted); line-height: 1.6; margin: 0; }

.partner-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 20px;
  margin-top: 40px;
}
.partner-card {
  padding: 28px 24px;
  background: var(--bg-alt, #f9f9f9);
  border: 1px solid var(--border);
  border-radius: 8px;
}
.partner-card h3 { font-size: 1rem; font-weight: 700; margin-bottom: 8px; color: var(--accent); }
.partner-card p { font-size: 0.88rem; color: var(--text-muted); line-height: 1.6; margin: 0; }

@media (max-width: 760px) {
  .referral-steps { grid-template-columns: 1fr; }
  .partner-grid { grid-template-columns: 1fr; }
}