/* ═══════════════════════════════════════════════════════════
   FINSMARTHUB — GLOBAL CSS v4
   Concept : Warm Authority — Premium African EdTech
   Fonts   : DM Serif Display (italic accents) + Plus Jakarta Sans
   Icons   : Material Icons Round
   ═══════════════════════════════════════════════════════════ */

@import url('https://fonts.googleapis.com/css2?family=DM+Serif+Display:ital@1&family=Plus+Jakarta+Sans:wght@300;400;500;600;700;800&display=swap');
@import url('https://fonts.googleapis.com/icon?family=Material+Icons+Round');

:root {
  --navy-950:  #060F1A;
  --navy-900:  #0C1E35;
  --navy-800:  #0F2440;
  --navy-700:  #153052;
  --navy-600:  #1A3A5C;
  --navy-500:  #234E7A;
  --navy-100:  #D6E4F4;
  --navy-50:   #EEF5FB;
  --green-700: #14532D;
  --green-600: #16A34A;
  --green-100: #DCFCE7;
  --green-50:  #F0FDF4;
  --amber-600: #D97706;
  --amber-100: #FEF3C7;
  --cream:     #FAF8F5;
  --cream-2:   #F4F1EB;
  --cream-3:   #EAE6DC;
  --ink:       #0D1B2E;
  --ink-2:     #2C3E55;
  --ink-3:     #52637A;
  --ink-4:     #8898B0;
  --ink-5:     #B8C4D4;
  --line:      #E3E8EF;
  --line-2:    #D0D8E4;
  --s1: 0 1px 3px rgba(10,25,50,0.06), 0 1px 2px rgba(10,25,50,0.04);
  --s2: 0 2px 8px rgba(10,25,50,0.07), 0 1px 3px rgba(10,25,50,0.04);
  --s3: 0 6px 24px rgba(10,25,50,0.09), 0 2px 6px rgba(10,25,50,0.04);
  --s4: 0 16px 48px rgba(10,25,50,0.12), 0 4px 12px rgba(10,25,50,0.05);
  --s5: 0 28px 72px rgba(10,25,50,0.14), 0 8px 20px rgba(10,25,50,0.07);
  --serif-italic: 'DM Serif Display', Georgia, serif;
  --sans:         'Plus Jakarta Sans', system-ui, -apple-system, sans-serif;
  --r4: 4px; --r6: 6px; --r8: 8px; --r12: 12px;
  --r16: 16px; --r20: 20px; --r28: 28px; --rpill: 9999px;
  --ease: cubic-bezier(0.4, 0, 0.2, 1);
  --ease-out: cubic-bezier(0, 0, 0.2, 1);
  --t1: 120ms; --t2: 200ms; --t3: 320ms;
  --nav-h: 70px;
  --max-w: 1300px;
  --px: 40px;
}

*,*::before,*::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; overflow-x: hidden; }

body {
  font-family: var(--sans);
  font-size: 1rem;
  line-height: 1.6;
  color: var(--ink);
  background: #fff;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  overflow-x: hidden;
}

img { max-width: 100%; height: auto; display: block; }
a { color: inherit; text-decoration: none; }
ul { list-style: none; }
button { font-family: var(--sans); cursor: pointer; border: none; background: none; }
input, textarea, select { font-family: var(--sans); }

.container { max-width: var(--max-w); margin: 0 auto; padding: 0 var(--px); }

.material-icons-round { font-size: 18px; line-height: 1; vertical-align: middle; user-select: none; }
.ico14 { font-size: 14px !important; }
.ico16 { font-size: 16px !important; }
.ico18 { font-size: 18px !important; }
.ico20 { font-size: 20px !important; }
.ico24 { font-size: 24px !important; }

/* ── Labels / Eyebrows ── */
.lbl {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  width: fit-content;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.09em;
  text-transform: uppercase;
  padding: 5px 14px;
  border-radius: var(--rpill);
  line-height: 1;
  white-space: nowrap;
}
.lbl-g { color: #145929; background: var(--green-100); }
.lbl-n { color: var(--navy-600); background: var(--navy-50); }
.lbl-w { color: rgba(255,255,255,0.6); background: rgba(255,255,255,0.08); border: 1px solid rgba(255,255,255,0.14); }

/* ── Section headings ── */
.sh {
  font-family: var(--sans);
  font-size: clamp(1.85rem, 3.2vw, 2.75rem);
  font-weight: 800;
  color: var(--ink);
  line-height: 1.15;
  letter-spacing: -0.03em;
  margin-top: 14px;
}
.sh em {
  font-family: var(--serif-italic);
  font-weight: 400;
  font-style: italic;
  color: var(--navy-600);
  letter-spacing: 0;
}
.sh-w { color: #fff; }
.sh-w em { color: #93C5FD; }

.sp {
  font-size: 1.0625rem;
  font-weight: 400;
  color: var(--ink-3);
  line-height: 1.78;
  max-width: 52ch;
  margin-top: 14px;
}
.sp-w { color: rgba(255,255,255,0.55); }

.sec-pair {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 36px;
  align-items: end;
  margin-bottom: 52px;
}
.sec-pair .sp { max-width: 40ch; margin-top: 0; align-self: flex-end; }

.sec-center {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  margin-bottom: 52px;
}
.sec-center .sp { margin: 14px auto 0; }

/* ── Buttons ── */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 7px;
  height: 46px;
  padding: 0 24px;
  font-family: var(--sans);
  font-size: 14px;
  font-weight: 700;
  letter-spacing: -0.01em;
  border-radius: var(--r8);
  border: 1.5px solid transparent;
  cursor: pointer;
  white-space: nowrap;
  transition: background var(--t2) var(--ease), border-color var(--t2), box-shadow var(--t2), transform var(--t1);
  text-decoration: none;
}
.btn:hover { transform: translateY(-1px); }
.btn:active { transform: translateY(0); }

.btn-primary { background: var(--navy-600); color: #fff; border-color: var(--navy-600); }
.btn-primary:hover { background: var(--navy-800); border-color: var(--navy-800); box-shadow: 0 8px 24px rgba(26,58,92,0.28); }

.btn-green { background: var(--green-600); color: #fff; border-color: var(--green-600); }
.btn-green:hover { background: var(--green-700); border-color: var(--green-700); box-shadow: 0 8px 24px rgba(22,163,74,0.28); }

.btn-out { background: transparent; color: var(--navy-600); border-color: var(--line-2); }
.btn-out:hover { border-color: var(--navy-600); background: var(--navy-50); }

.btn-out-w { background: transparent; color: rgba(255,255,255,0.65); border-color: rgba(255,255,255,0.20); }
.btn-out-w:hover { color: #fff; border-color: rgba(255,255,255,0.42); background: rgba(255,255,255,0.07); }

.btn-lg { height: 52px; padding: 0 30px; font-size: 15px; }
.btn-sm { height: 36px; padding: 0 16px; font-size: 13px; }
.btn-full { width: 100%; }

/* ── Ann bar ── */
.ann-bar {
  background: linear-gradient(90deg, #0A1929 0%, #0F2440 40%, #0A1929 100%);
  border-bottom: 1px solid rgba(255,255,255,0.06);
  padding: 0 var(--px);
  display: flex;
  align-items: stretch;
  min-height: 50px;
  max-height: 80px;
  transition: max-height var(--t3) var(--ease), padding var(--t3), opacity var(--t2);
  overflow: hidden;
  position: relative;
}
/* subtle shimmer line */
.ann-bar::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 1px;
  background: linear-gradient(90deg, transparent 0%, rgba(147,197,253,0.35) 40%, rgba(22,163,74,0.3) 70%, transparent 100%);
}
.ann-bar.dismissed { max-height: 0; min-height: 0; padding-top: 0; padding-bottom: 0; opacity: 0; pointer-events: none; }

.ann-inner {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 12px;
  width: 100%;
  /* space for absolute close btn */
  padding: 11px 48px 11px 12px;
  flex-wrap: wrap;
  text-align: center;
}
.ann-left {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  flex-wrap: wrap;
  flex: 1;
  min-width: 0;
}
.ann-pill {
  font-size: 10px;
  font-weight: 800;
  letter-spacing: 0.09em;
  text-transform: uppercase;
  color: #fff;
  background: var(--amber-600);
  padding: 4px 10px;
  border-radius: var(--rpill);
  flex-shrink: 0;
  line-height: 1.4;
  white-space: nowrap;
}
.ann-text {
  font-size: 13px;
  color: rgba(255,255,255,0.78);
  line-height: 1.5;
}
.ann-text strong { color: #fff; font-weight: 600; }
.ann-sep {
  width: 1px;
  height: 16px;
  background: rgba(255,255,255,0.14);
  flex-shrink: 0;
}
.ann-meta {
  font-size: 12px;
  color: rgba(255,255,255,0.40);
  white-space: nowrap;
}
.ann-meta strong { color: rgba(255,255,255,0.58); font-weight: 600; }
.ann-cta {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  font-size: 12.5px;
  font-weight: 700;
  color: #fff;
  background: rgba(255,255,255,0.11);
  border: 1px solid rgba(255,255,255,0.22);
  padding: 6px 16px;
  border-radius: var(--rpill);
  white-space: nowrap;
  transition: background var(--t1), border-color var(--t1);
  flex-shrink: 0;
}
.ann-cta:hover { background: rgba(255,255,255,0.18); border-color: rgba(255,255,255,0.38); color: #fff; }
.ann-cta .material-icons-round { font-size: 13px !important; }
.ann-close {
  position: absolute;
  right: 10px;
  top: 50%;
  transform: translateY(-50%);
  display: flex;
  align-items: center;
  color: rgba(255,255,255,0.30);
  border-radius: var(--r6);
  padding: 6px;
  transition: color var(--t1), background var(--t1);
  cursor: pointer;
}
.ann-close:hover { color: rgba(255,255,255,0.8); background: rgba(255,255,255,0.08); }
.ann-close .material-icons-round { font-size: 16px !important; }

/* ── Navbar ── */
.navbar {
  position: sticky;
  top: 0;
  z-index: 200;
  /* solid fallback for mobile/older browsers, then blur on capable ones */
  background: #fff;
  border-bottom: 1px solid var(--line);
  transition: box-shadow var(--t2) var(--ease);
  isolation: isolate;
}
@supports (backdrop-filter: blur(1px)) {
  .navbar {
    background: rgba(255,255,255,0.96);
    backdrop-filter: blur(20px);
    -webkit-backdrop-filter: blur(20px);
  }
}
.navbar.scrolled { box-shadow: var(--s3); }
.nav-inner { display: flex; align-items: center; height: var(--nav-h); gap: 4px; }

.nav-logo { display: flex; align-items: center; gap: 10px; margin-right: 18px; flex-shrink: 0; }
.logo-mark { width: 38px; height: 38px; background: var(--navy-600); border-radius: var(--r8); display: flex; align-items: center; justify-content: center; flex-shrink: 0; transition: background var(--t2); }
.nav-logo:hover .logo-mark { background: var(--navy-800); }
.logo-mark svg { width: 20px; height: 20px; }
.logo-word { font-size: 18px; font-weight: 800; color: var(--ink); letter-spacing: -0.04em; }

.nav-links { display: flex; align-items: center; gap: 2px; flex: 1; }
.nav-item { position: relative; }
.nav-link { display: flex; align-items: center; gap: 3px; padding: 8px 12px; font-size: 14px; font-weight: 500; color: var(--ink-3); border-radius: var(--r8); transition: color var(--t1), background var(--t1); white-space: nowrap; }
.nav-link:hover, .nav-link.active { color: var(--ink); background: var(--cream); }
.nav-chev { font-size: 16px !important; opacity: 0.4; transition: transform var(--t2) var(--ease); }
.nav-item:hover .nav-chev { transform: rotate(180deg); }

.nav-drop { position: absolute; top: calc(100% + 10px); left: 50%; transform: translateX(-50%) translateY(-8px); background: #fff; border: 1px solid var(--line); border-radius: var(--r16); box-shadow: var(--s5); min-width: 256px; padding: 6px; opacity: 0; visibility: hidden; pointer-events: none; transition: opacity var(--t2) var(--ease), transform var(--t2), visibility var(--t2); z-index: 300; }
.nav-item:hover .nav-drop, .nav-item:focus-within .nav-drop { opacity: 1; visibility: visible; pointer-events: auto; transform: translateX(-50%) translateY(0); }
.drop-link { display: flex; align-items: center; gap: 10px; padding: 9px 10px; border-radius: var(--r8); font-size: 13.5px; color: var(--ink-2); transition: background var(--t1), color var(--t1); }
.drop-link:hover { background: var(--cream); color: var(--ink); }
.drop-ico { width: 30px; height: 30px; border-radius: 7px; display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.drop-ico .material-icons-round { font-size: 15px !important; }
.drop-title { font-weight: 600; font-size: 13.5px; line-height: 1.3; }
.drop-sub { font-size: 11.5px; color: var(--ink-4); margin-top: 1px; }
.drop-hr { height: 1px; background: var(--line); margin: 5px 4px; }

.nav-actions { display: flex; align-items: center; gap: 8px; margin-left: auto; flex-shrink: 0; }

.ham { display: none; flex-direction: column; gap: 5px; padding: 8px; margin-left: auto; border-radius: var(--r8); cursor: pointer; transition: background var(--t1); }
.ham:hover { background: var(--cream); }
.ham span { display: block; width: 20px; height: 1.75px; background: var(--ink-2); border-radius: 2px; transition: transform var(--t2) var(--ease), opacity var(--t2); }
.ham.open span:nth-child(1) { transform: translateY(6.75px) rotate(45deg); }
.ham.open span:nth-child(2) { opacity: 0; transform: scaleX(0); }
.ham.open span:nth-child(3) { transform: translateY(-6.75px) rotate(-45deg); }

.mob-menu { display: none; position: fixed; top: var(--nav-h); left: 0; right: 0; bottom: 0; background: #fff; border-top: 1px solid var(--line); z-index: 150; overflow-y: auto; transform: translateX(100%); transition: transform var(--t3) var(--ease-out); }
.mob-menu.open { transform: translateX(0); }
.mob-inner { padding: 16px 24px 40px; }
.mob-link { display: flex; align-items: center; gap: 10px; padding: 14px 0; font-size: 16px; font-weight: 500; color: var(--ink-2); border-bottom: 1px solid var(--line); transition: color var(--t1); }
.mob-link:hover { color: var(--navy-600); }
.mob-link .material-icons-round { font-size: 18px !important; color: var(--ink-4); }
.mob-btns { padding-top: 20px; display: flex; flex-direction: column; gap: 10px; }

/* ════ FOOTER ════ */
.site-footer {
  background: var(--navy-950);
}

/* ── Top CTA strip ── */
.footer-cta {
  background: var(--navy-800);
  border-bottom: 1px solid rgba(255,255,255,0.06);
  padding: 64px 0;
  position: relative;
  overflow: hidden;
}
.footer-cta::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 1px;
  background: linear-gradient(90deg, transparent, rgba(147,197,253,0.35), rgba(22,163,74,0.22), transparent);
}
.footer-cta::after {
  content: '';
  position: absolute;
  bottom: -60px; right: -40px;
  width: 300px; height: 300px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(147,197,253,0.05) 0%, transparent 70%);
  pointer-events: none;
}
.footer-cta-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 72px;
  align-items: center;
}
.footer-cta-left {}
.footer-cta-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 10.5px;
  font-weight: 700;
  letter-spacing: 0.09em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.42);
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.10);
  padding: 4px 12px;
  border-radius: var(--rpill);
  margin-bottom: 14px;
}
.footer-cta-h {
  font-size: clamp(1.6rem, 2.5vw, 2.4rem);
  font-weight: 800;
  color: #fff;
  letter-spacing: -0.035em;
  line-height: 1.15;
  margin-bottom: 10px;
}
.footer-cta-h em {
  font-family: var(--serif-italic);
  font-weight: 400;
  font-style: italic;
  color: #93C5FD;
  letter-spacing: 0;
}
.footer-cta-sub {
  font-size: 14.5px;
  color: rgba(255,255,255,0.46);
  line-height: 1.72;
}
.footer-cta-right {}
.footer-cta-form-label {
  font-size: 11px;
  font-weight: 700;
  color: rgba(255,255,255,0.32);
  letter-spacing: 0.08em;
  text-transform: uppercase;
  margin-bottom: 12px;
  display: flex;
  align-items: center;
  gap: 10px;
}
.footer-cta-form-label::after {
  content: '';
  flex: 1;
  height: 1px;
  background: rgba(255,255,255,0.06);
}
.footer-cta-form {
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.footer-cta-input {
  width: 100%;
  height: 50px;
  padding: 0 18px;
  background: rgba(255,255,255,0.06);
  border: 1.5px solid rgba(255,255,255,0.12);
  border-radius: var(--r8);
  font-family: var(--sans);
  font-size: 14px;
  color: #fff;
  outline: none;
  transition: border-color var(--t1), background var(--t1);
}
.footer-cta-input::placeholder { color: rgba(255,255,255,0.28); }
.footer-cta-input:focus { border-color: rgba(255,255,255,0.32); background: rgba(255,255,255,0.09); }
.footer-cta-submit {
  width: 100%;
  height: 50px;
  background: var(--green-600);
  color: #fff;
  border: none;
  border-radius: var(--r8);
  font-family: var(--sans);
  font-size: 14.5px;
  font-weight: 700;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  transition: background var(--t2), box-shadow var(--t2), transform var(--t1);
  letter-spacing: -0.01em;
}
.footer-cta-submit:hover {
  background: var(--green-700);
  box-shadow: 0 8px 24px rgba(22,163,74,0.30);
  transform: translateY(-1px);
}
.footer-cta-submit .material-icons-round { font-size: 17px !important; }
.footer-cta-trust {
  display: flex;
  align-items: center;
  gap: 7px;
  font-size: 11.5px;
  color: rgba(255,255,255,0.26);
  margin-top: 6px;
}
.footer-cta-trust .material-icons-round { font-size: 13px !important; color: var(--green-600); }

/* ── Main footer grid ── */
.footer-main {
  padding: 80px 0 72px;
  border-bottom: 1px solid rgba(255,255,255,0.06);
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.6fr 1fr 1fr;
  gap: 72px;
  align-items: start;
}

/* Brand column */
.f-brand {}
.f-logo {
  display: flex;
  align-items: center;
  gap: 11px;
  margin-bottom: 8px;
  text-decoration: none;
}
.f-logo-mark {
  width: 40px;
  height: 40px;
  background: var(--navy-600);
  border-radius: var(--r8);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.f-logo-mark svg { width: 20px; height: 20px; }
.f-logo-name {
  font-size: 19px;
  font-weight: 800;
  color: #fff;
  letter-spacing: -0.04em;
}
.f-tagline {
  font-size: 10.5px;
  font-weight: 700;
  letter-spacing: 0.10em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.22);
  margin-bottom: 20px;
}
.f-desc {
  font-size: 14px;
  line-height: 1.82;
  color: rgba(255,255,255,0.42);
  margin-bottom: 28px;
  max-width: 36ch;
}

/* Social icons */
.f-social {
  display: flex;
  gap: 8px;
  margin-bottom: 32px;
}
.f-soc-a {
  width: 36px;
  height: 36px;
  border-radius: var(--r8);
  border: 1px solid rgba(255,255,255,0.09);
  display: flex;
  align-items: center;
  justify-content: center;
  transition: border-color var(--t1), background var(--t1);
}
.f-soc-a:hover { border-color: rgba(255,255,255,0.26); background: rgba(255,255,255,0.06); }
.f-soc-a svg { width: 14px; height: 14px; fill: rgba(255,255,255,0.40); transition: fill var(--t1); }
.f-soc-a:hover svg { fill: rgba(255,255,255,0.75); }

/* Contact items in brand col */
.f-contact-mini {
  display: flex;
  flex-direction: column;
  gap: 12px;
  padding-top: 24px;
  border-top: 1px solid rgba(255,255,255,0.06);
}
.f-cm-item {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 13.5px;
  color: rgba(255,255,255,0.45);
}
.f-cm-item .material-icons-round { font-size: 14px !important; color: rgba(255,255,255,0.22); flex-shrink: 0; }
.f-cm-item a { color: inherit; transition: color var(--t1); }
.f-cm-item a:hover { color: rgba(255,255,255,0.82); }

/* WhatsApp */
.f-wa {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 9px;
  height: 44px;
  background: #25D366;
  border-radius: var(--r8);
  font-family: var(--sans);
  font-size: 14px;
  font-weight: 700;
  color: #fff;
  width: 100%;
  margin-top: 16px;
  transition: background var(--t2), box-shadow var(--t2), transform var(--t1);
  text-decoration: none;
  letter-spacing: -0.01em;
}
.f-wa:hover {
  background: #1DAF57;
  box-shadow: 0 6px 20px rgba(37,211,102,0.30);
  transform: translateY(-1px);
}
.f-wa:active { transform: translateY(0); }
.f-wa-icon { width: 20px; height: 20px; flex-shrink: 0; }

/* Link columns */
.f-col {}
.f-col-title {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.11em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.30);
  margin-bottom: 22px;
  padding-bottom: 14px;
  border-bottom: 1px solid rgba(255,255,255,0.06);
}
.f-col-links { display: flex; flex-direction: column; gap: 13px; }
.f-link {
  font-size: 13.5px;
  color: rgba(255,255,255,0.48);
  display: flex;
  align-items: center;
  gap: 7px;
  line-height: 1.45;
  transition: color var(--t2), padding-left var(--t2);
}
.f-link:hover { color: rgba(255,255,255,0.84); padding-left: 3px; }
.f-link .material-icons-round { font-size: 13px !important; color: rgba(255,255,255,0.18); flex-shrink: 0; transition: color var(--t2); }
.f-link:hover .material-icons-round { color: rgba(255,255,255,0.42); }

/* Spacer between link groups in same column */
.f-col-gap { margin-top: 32px; }

/* Footer bottom */
.footer-bottom { padding: 24px 0; }
.f-bot {
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 14px;
}
.f-copy { font-size: 12.5px; color: rgba(255,255,255,0.20); line-height: 1.5; }
.f-bot-right { display: flex; align-items: center; gap: 24px; }
.f-bot-links { display: flex; gap: 20px; }
.f-bot-links a { font-size: 12.5px; color: rgba(255,255,255,0.20); transition: color var(--t1); }
.f-bot-links a:hover { color: rgba(255,255,255,0.56); }

/* ── Responsive shared ── */
@media (max-width: 1100px) {
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 52px; }
  .f-brand { grid-column: 1 / -1; display: grid; grid-template-columns: 1.4fr 1fr; gap: 56px; align-items: start; }
  .footer-cta-inner { grid-template-columns: 1fr; gap: 40px; }
}
@media (max-width: 1024px) {
  .nav-links, .nav-actions { display: none; }
  .ham { display: flex; }
  .mob-menu { display: block; }
  .sec-pair { grid-template-columns: 1fr; gap: 12px; margin-bottom: 40px; }
  .footer-cta { padding: 52px 0; }
}
@media (max-width: 768px) {
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 36px; }
  .f-brand { grid-column: 1 / -1; grid-template-columns: 1fr; gap: 32px; }
  .footer-main { padding: 60px 0 52px; }
  /* ann-bar mobile */
  .ann-inner { flex-direction: column; align-items: center; gap: 10px; padding: 14px 40px 14px 14px; text-align: center; }
  .ann-left { flex-direction: column; gap: 6px; }
  .ann-sep { display: none; }
  .ann-meta { display: none; }
  .ann-bar { max-height: 120px; }
  .ann-bar.dismissed { max-height: 0; }
  .ann-close { top: 12px; transform: none; }
}
@media (max-width: 640px) {
  :root { --nav-h: 62px; --px: 18px; }
  .footer-grid { grid-template-columns: 1fr; gap: 36px; }
  .footer-main { padding: 52px 0 44px; }
  .footer-cta { padding: 44px 0; }
  .footer-cta-form { gap: 10px; }
  .f-desc { max-width: 100%; }
  .f-bot { flex-direction: column; align-items: flex-start; gap: 10px; }
  .f-bot-right { flex-direction: column; align-items: flex-start; gap: 8px; }
}
@media (max-width: 480px) {
  .f-brand { grid-template-columns: 1fr; }
}