/* Shared styles for About, Contact, Privacy, Terms, Disclaimer */
:root {
  --gold: #20319D;
  --gold-dark: #161F66;
  --gold-bright: #3BF493;
  --gold-deep: #0E165C;
  --gold-tint: #E8EBFF;
  --gold-tint-2: #C5CBFF;
  --card-1: #EDC85B;
  --card-2: #C39320;
  --black: #0A0A0A;
  --ink-1: #1A1A1A;
  --ink-2: #4A4A4A;
  --ink-3: #7A7A7A;
  --ink-4: #B5B5B5;
  --white: #FFFFFF;
  --bg: #FAFAFA;
  --off-white: #F0F0F0;
  --line: #E5E5E5;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, system-ui, sans-serif;
  font-size: 16px; line-height: 1.65;
  background: var(--bg); color: var(--ink-1);
  -webkit-font-smoothing: antialiased;
}
::selection { background: var(--gold); color: var(--white); }
.wrap { width: 90%; max-width: 1500px; margin: 0 auto; }
.wrap-narrow { width: 90%; max-width: 1500px; margin: 0 auto; }

/* TOPBAR */
.topbar {
  background: var(--black); color: var(--white);
  font-size: 13px; padding: 10px 0; text-align: center; font-weight: 500;
}
.topbar a { color: var(--gold-bright); text-decoration: underline; text-underline-offset: 3px; margin-left: 6px; font-weight: 700; }
.topbar .dot { display: inline-block; width: 7px; height: 7px; border-radius: 50%; background: var(--gold-bright); margin-right: 8px; vertical-align: middle; animation: blink 1.6s infinite; }
@keyframes blink { 50% { opacity: 0.3; } }

/* NAV */
nav.nav {
  position: sticky; top: 0; z-index: 50;
  background: rgba(250, 250, 250, 0.92);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--line);
}
.nav-inner {
  width: 90%; max-width: 1500px; margin: 0 auto;
  display: flex; align-items: center; justify-content: space-between;
  padding: 18px 0;
}
.logo { display: inline-flex; align-items: center; gap: 14px; text-decoration: none; color: var(--black); }
.logo-svg { height: 30px; width: auto; display: block; }
.nav-links { display: flex; gap: 32px; }
.nav-links a { color: var(--ink-1); text-decoration: none; font-size: 14.5px; font-weight: 500; transition: color .15s; }
.nav-links a:hover { color: var(--gold-dark); }
.nav-cta { display: flex; gap: 12px; align-items: center; }

/* BUTTONS */
.btn {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 13px 22px; font-size: 14.5px; font-weight: 700;
  text-decoration: none; cursor: pointer; transition: all .18s ease;
  border: 1.5px solid var(--line); background: transparent; color: var(--black);
  border-radius: 4px; font-family: inherit;
}
.btn:hover { background: var(--black); color: var(--white); border-color: var(--black); }
.btn-gold { background: var(--black); border-color: var(--black); color: var(--white); }
.btn-gold:hover { background: var(--gold); border-color: var(--gold); color: var(--white); transform: translateY(-1px); box-shadow: 0 12px 28px rgba(32, 49, 157, 0.32); }
.btn-link { background: transparent; border: 0; padding: 0 0 2px 0; color: var(--black); font-weight: 700; font-size: 14.5px; text-decoration: none; border-bottom: 2px solid var(--black); font-family: inherit; }
.btn-link:hover { color: var(--gold-dark); border-bottom-color: var(--gold); }

/* LEGAL PAGE LAYOUT */
.legal-header {
  padding: 72px 0 40px;
  border-bottom: 1px solid var(--line);
  background: var(--off-white);
}
.legal-header .eyebrow {
  display: inline-flex; align-items: center; gap: 10px;
  font-size: 12.5px; font-weight: 700; color: var(--gold-dark);
  text-transform: uppercase; letter-spacing: 1.6px; margin-bottom: 18px;
}
.legal-header .eyebrow::before { content: ''; width: 24px; height: 2px; background: var(--gold); }
.legal-header h1 {
  font-size: clamp(34px, 5vw, 56px);
  font-weight: 800; color: var(--black);
  line-height: 1.05; letter-spacing: -0.035em; margin-bottom: 14px;
}
.legal-header p.lead {
  font-size: clamp(15px, 1.3vw, 18px); color: var(--ink-2);
  max-width: 720px; line-height: 1.55;
}
.legal-header .updated { font-size: 13px; color: var(--ink-3); margin-top: 14px; font-weight: 500; }

.legal-body { padding: 64px 0 96px; }
.legal-body h2 {
  font-size: clamp(22px, 2.4vw, 28px);
  font-weight: 800; color: var(--black);
  letter-spacing: -0.02em; margin: 40px 0 14px;
  scroll-margin-top: 90px;
}
.legal-body h2:first-child { margin-top: 0; }
.legal-body h3 {
  font-size: 18px; font-weight: 700; color: var(--ink-1);
  margin: 26px 0 10px; letter-spacing: -0.01em;
}
.legal-body p {
  font-size: 15.5px; color: var(--ink-2); margin-bottom: 16px;
}
.legal-body ul, .legal-body ol { padding-left: 22px; margin-bottom: 18px; }
.legal-body li { font-size: 15.5px; color: var(--ink-2); margin-bottom: 8px; }
.legal-body strong { color: var(--ink-1); font-weight: 700; }
.legal-body a { color: var(--gold-dark); text-decoration: underline; text-underline-offset: 2px; }
.legal-body a:hover { color: var(--gold); }
.legal-body hr { border: none; border-top: 1px solid var(--line); margin: 36px 0; }

.legal-toc {
  background: var(--off-white); border: 1px solid var(--line);
  border-radius: 4px; padding: 22px 26px; margin-bottom: 44px;
}
.legal-toc h4 {
  font-size: 11.5px; font-weight: 700; color: var(--ink-3);
  text-transform: uppercase; letter-spacing: 1.2px; margin-bottom: 12px;
}
.legal-toc ol { padding-left: 22px; margin: 0; }
.legal-toc li { font-size: 14px; margin-bottom: 6px; }
.legal-toc a { color: var(--ink-1); text-decoration: none; }
.legal-toc a:hover { color: var(--gold-dark); text-decoration: underline; }

/* CONTACT PAGE EXTRAS */
.contact-grid {
  display: grid; grid-template-columns: 1fr 1fr; gap: 48px; margin-top: 32px;
}
.contact-card {
  padding: 28px; background: var(--white); border: 1px solid var(--line);
  border-radius: 4px;
}
.contact-card h3 {
  font-size: 17px; font-weight: 700; color: var(--black);
  margin-bottom: 8px; letter-spacing: -0.01em;
}
.contact-card p { font-size: 14.5px; color: var(--ink-2); margin-bottom: 10px; }
.contact-card a { color: var(--gold-dark); font-weight: 600; }

/* ABOUT PAGE EXTRAS */
.about-cards {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px;
  margin: 32px 0 16px;
}
.about-card {
  padding: 28px; background: var(--white); border: 1px solid var(--line);
  border-radius: 4px;
}
.about-card h3 { font-size: 17px; font-weight: 700; color: var(--black); margin-bottom: 8px; }
.about-card p { font-size: 14.5px; color: var(--ink-2); margin: 0; }

/* VISA CARD (footer reuse — matches home page) */
.visa-card {
  aspect-ratio: 1.6 / 1; width: 100%; padding: 26px;
  border-radius: 5px; color: var(--white);
  position: relative; overflow: hidden;
  background: linear-gradient(140deg, var(--card-1) 0%, var(--card-2) 100%);
  box-shadow: 0 30px 70px rgba(10, 10, 10, 0.22), 0 10px 20px rgba(10, 10, 10, 0.08);
  display: flex; flex-direction: column; justify-content: space-between;
}
.vc-row1 { display: flex; justify-content: flex-end; align-items: center; position: relative; z-index: 1; }
.vc-middle { display: flex; align-items: center; position: relative; z-index: 1; }
.vc-left { display: flex; align-items: center; gap: 12px; }
.vc-brand { display: inline-flex; align-items: center; }
.vc-brand svg { height: 18px; width: auto; display: block; }
.vc-chip { width: 38px; height: 38px; display: block; flex-shrink: 0; }
.vc-contactless { width: 22px; height: 28px; color: var(--white); display: block; }
.vc-contactless path { fill: none; stroke: currentColor; stroke-width: 2.2; stroke-linecap: round; }
.vc-contactless .vc-wave-1 { animation: contactlessPulse 1.6s ease-in-out infinite; }
.vc-contactless .vc-wave-2 { animation: contactlessPulse 1.6s ease-in-out 0.25s infinite; }
.vc-contactless .vc-wave-3 { animation: contactlessPulse 1.6s ease-in-out 0.5s infinite; }
.vc-name { font-size: 16px; font-weight: 700; letter-spacing: 0.5px; position: relative; z-index: 1; }
.vc-num, .vc-label, .vc-value { display: none !important; }
.vc-row3 { display: flex; justify-content: space-between; align-items: center; position: relative; z-index: 1; }
.vc-logo { display: inline-flex; align-items: center; }
.vc-logo svg { width: 54px; height: auto; display: block; }

.visa-card.small { padding: 18px; }
.visa-card.small .vc-name { font-size: 13px; }
.visa-card.small .vc-logo svg { width: 38px; }
.visa-card.small .vc-chip { width: 28px; height: 28px; }
.visa-card.small .vc-contactless { width: 17px; height: 22px; }
.visa-card.small .vc-brand svg { height: 13px; }
.visa-card.small .vc-left { gap: 9px; }

@keyframes contactlessPulse {
  0%, 100% { opacity: 0.25; }
  50% { opacity: 1; }
}

/* FOOTER */
footer { background: var(--bg); border-top: 1px solid var(--line); padding: 64px 0 32px; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr 1fr; gap: 40px; margin-bottom: 36px; }
.footer-brand { display: flex; flex-direction: column; gap: 22px; }
.footer-card-display { width: 210px; }
.footer-product { font-size: 22px; font-weight: 800; color: var(--black); letter-spacing: -0.5px; }
.footer-product small { display: block; font-size: 13px; font-weight: 500; color: var(--ink-3); margin-top: 6px; }
.footer-grid h5 { font-size: 11.5px; color: var(--ink-3); margin-bottom: 18px; text-transform: uppercase; letter-spacing: 1.2px; font-weight: 700; }
.footer-grid a { display: block; color: var(--ink-1); font-size: 14px; text-decoration: none; margin-bottom: 10px; transition: color .15s; }
.footer-grid a:hover { color: var(--gold-dark); }
.footer-disclaimer {
  margin-top: 8px; padding: 22px 0;
  border-top: 1px solid var(--line);
  font-size: 12.5px; color: var(--ink-3); line-height: 1.7;
}
.footer-disclaimer p { margin-bottom: 12px; }
.footer-disclaimer p:last-child { margin-bottom: 0; }
.footer-disclaimer strong { color: var(--ink-2); font-weight: 700; }
.footer-bottom {
  padding-top: 22px; border-top: 1px solid var(--line);
  display: flex; justify-content: space-between; align-items: center;
  font-size: 12.5px; color: var(--ink-3); flex-wrap: wrap; gap: 12px;
}
.footer-bottom a { color: var(--ink-3); text-decoration: none; }
.footer-bottom a:hover { color: var(--gold-dark); }

/* RESPONSIVE */
@media (max-width: 860px) {
  .nav-links { display: none; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 36px; }
  .footer-brand { grid-column: 1 / -1; }
  .contact-grid { grid-template-columns: 1fr; }
  .about-cards { grid-template-columns: 1fr; }
}
@media (max-width: 600px) {
  .footer-grid { grid-template-columns: 1fr; gap: 32px; }
  .nav-cta .btn-link { display: none; }
  .legal-header { padding: 48px 0 32px; }
  .legal-body { padding: 40px 0 64px; }
  .footer-bottom { flex-direction: column; align-items: flex-start; }
}