/* Header, intro band, main column, card and footer. */

/* =========================================================
   3. Header
   ========================================================= */
.site-header {
  background: var(--navy);
  padding-top: env(safe-area-inset-top, 0px);
}
.site-header__inner {
  max-width: 1120px;
  height: var(--header-h);
  margin: 0 auto;
  padding: 0 var(--gutter);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
}
.brand { display: flex; align-items: center; gap: 10px; text-decoration: none; min-width: 0; }
.brand__mark { width: 30px; height: 40px; object-fit: cover; flex: none; }
.brand__text { display: flex; flex-direction: column; line-height: 1; min-width: 0; }
.brand__name { font-family: var(--font-brand); font-size: 23px; color: #D5B36B; }
.brand__tagline {
  margin-top: 4px; font-family: var(--font-brand); font-style: italic;
  font-size: 10.5px; color: #CDBB93; white-space: nowrap;
}
.secure-badge {
  display: inline-flex; align-items: center; gap: 7px;
  color: #D8C69E; font-size: 13px; white-space: nowrap;
}
.secure-badge svg { width: 15px; height: 15px; flex: none; }

/* =========================================================
   4. Intro band (compact, sits behind the top of the card)
   ========================================================= */
.band {
  background: var(--navy);
  color: #fff;
  text-align: center;
  padding: 30px var(--gutter) 104px;
  border-top: 1px solid rgba(224, 189, 115, .14);
}
.band__title {
  margin: 0;
  font-family: var(--font-display);
  font-weight: 600;
  font-size: clamp(32px, 4.4vw, 42px);
  line-height: 1.1;
  letter-spacing: -.2px;
}
.band__text {
  max-width: 54ch;
  margin: 8px auto 0;
  color: #C4CCD8;
  font-size: 15.5px;
}

/* Progress */
.progress {
  display: flex;
  justify-content: center;
  align-items: center;
  gap: 10px;
  margin: 22px 0 0;
  padding: 0;
  list-style: none;
}
.progress__step {
  display: flex; align-items: center; gap: 8px;
  font-size: 13px; color: #8E99AA; white-space: nowrap;
}
.progress__dot {
  width: 22px; height: 22px; border-radius: 50%; flex: none;
  display: grid; place-items: center;
  border: 1.5px solid #3B4A62; font-size: 11px; font-weight: 700;
}
.progress__line { width: 28px; height: 1.5px; background: #2E3D55; flex: none; }
.progress__step.is-current { color: #fff; font-weight: 600; }
.progress__step.is-current .progress__dot { background: var(--gold-light); border-color: var(--gold-light); color: var(--navy); }
.progress__step.is-done { color: var(--gold-light); }
.progress__step.is-done .progress__dot { border-color: var(--gold); color: var(--gold-light); }

/* =========================================================
   5. Main column & card
   ========================================================= */
.main {
  flex: 1;
  width: 100%;
  max-width: calc(var(--content-w) + var(--gutter) * 2);
  margin: -76px auto 0;
  padding: 0 var(--gutter) 56px;
}
.card {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-card);
}
.card__section { padding: 28px 30px; }
.card__section + .card__section { border-top: 1px solid var(--line); }
.section-title {
  display: flex; align-items: center; gap: 12px;
  margin: 0;
  font-family: var(--font-display); font-weight: 600;
  font-size: 25px; line-height: 1.2; color: var(--navy);
}
.section-title__num {
  width: 28px; height: 28px; border-radius: 50%; flex: none;
  display: grid; place-items: center;
  font-family: var(--font-body); font-size: 13px; font-weight: 700;
  color: var(--gold-deep); background: #F6EEDC;
}
.section-lead { margin: 4px 0 18px 40px; color: var(--muted); font-size: 14.5px; }


/* =========================================================
   12. Footer
   ========================================================= */
.site-footer { padding: 0 var(--gutter) calc(28px + env(safe-area-inset-bottom, 0px)); }
.site-footer__inner {
  max-width: var(--content-w); margin: 0 auto; padding-top: 20px; border-top: 1px solid var(--line);
  display: flex; flex-wrap: wrap; justify-content: space-between; gap: 10px 24px;
  font-size: 13px; color: var(--muted);
}
.site-footer nav { display: flex; flex-wrap: wrap; gap: 6px 18px; }
.site-footer a { text-decoration: none; }
.site-footer a:hover { color: var(--navy); text-decoration: underline; }