/* ==========================================================
   JAYPEE IFSC — Global Access Provider (GAP)
   Design tokens
   ========================================================== */
:root{
  --navy:#0A1E3F; --navy-deep:#071630; --navy-2:#0C2347; --navy-3:#13315C; --ink:#16345E;
  --gold:#C8941F; --gold-2:#E0AE3C; --gold-soft:#F6EAD0;
  --bg:#FFFFFF; --soft:#F4F6FA; --line:#E4E9F0; --mute:#5C6B7E;
  --up:#1E9E63; --down:#D0433B;
  --sans:'Libre Franklin',system-ui,-apple-system,"Segoe UI",sans-serif;
  --serif:'Playfair Display',Georgia,serif;
  --mono:'Space Mono',ui-monospace,monospace;
  --wrap:1180px; --r:12px;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:var(--sans);color:var(--ink);background:var(--bg);line-height:1.6;-webkit-font-smoothing:antialiased;font-size:15.5px}
h1,h2,h3,h4{font-family:var(--serif);line-height:1.15;color:var(--navy);font-weight:700}
p{max-width:72ch}
a{text-decoration:none;color:inherit}
img{max-width:100%;display:block}
ul{list-style:none}
button{font-family:inherit}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 26px}
:focus-visible{outline:2px solid var(--gold);outline-offset:3px}
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}

.btn{display:inline-flex;align-items:center;gap:8px;font-weight:700;font-size:14.5px;padding:12px 22px;border-radius:7px;cursor:pointer;border:2px solid transparent;transition:background .16s,border-color .16s,color .16s;white-space:nowrap}
.btn-gold{background:var(--gold);color:#1A1407}.btn-gold:hover{background:var(--gold-2)}
.btn-out{background:transparent;border-color:rgba(255,255,255,.4);color:#fff}.btn-out:hover{background:rgba(255,255,255,.12)}
.btn-outn{background:transparent;border-color:var(--line);color:var(--navy)}.btn-outn:hover{border-color:var(--navy)}
.btn-navy{background:var(--navy);color:#fff}.btn-navy:hover{background:var(--navy-3)}
.btn-sm{padding:9px 16px;font-size:13.5px}

/* ===== Utility bar ===== */
.util{background:#fff;border-bottom:1px solid var(--line)}
.util .wrap{display:flex;align-items:center;justify-content:space-between;gap:18px;padding-top:12px;padding-bottom:12px}
.logo{display:flex;align-items:center;gap:12px}
.logo img{width:44px;height:46px;object-fit:contain}
.logo .txt{font-family:var(--serif);font-weight:700;font-size:21px;color:var(--navy);letter-spacing:.3px;line-height:1}
.logo .txt small{display:block;font-family:var(--sans);font-weight:600;font-size:11px;letter-spacing:.16em;color:var(--gold);margin-top:5px}
.util .tag{font-size:12.5px;color:var(--mute);line-height:1.35;flex:1;padding-left:14px;border-left:1px solid var(--line)}
.util .tag b{color:var(--navy);font-weight:600}
.util .acts{display:flex;gap:10px}
@media(max-width:980px){.util .tag{display:none}}
@media(max-width:560px){.util .acts .btn-outn{display:none}}

/* ===== Nav ===== */
header{position:sticky;top:0;z-index:80;background:#fff;border-bottom:1px solid var(--line);box-shadow:0 2px 14px rgba(10,30,63,.05)}
header .wrap{display:flex;align-items:center;justify-content:space-between}
nav{display:flex;align-items:center;justify-content:center;gap:4px;height:54px;flex:1}
.nav-i{position:relative}
.nav-i>a{display:inline-flex;align-items:center;gap:6px;padding:8px 13px;font-size:14.5px;font-weight:600;color:var(--ink);border-radius:6px;cursor:pointer;position:relative}
.nav-i>a:hover{color:var(--gold);background:var(--soft)}
.nav-i>a.active{color:var(--navy)}
.nav-i>a.active::after{content:"";position:absolute;left:13px;right:13px;bottom:1px;height:2px;background:var(--gold)}
.caret{width:9px;height:9px;border-right:1.6px solid currentColor;border-bottom:1.6px solid currentColor;transform:rotate(45deg) translateY(-3px);opacity:.7}
.drop{position:absolute;top:100%;left:0;min-width:240px;background:#fff;border:1px solid var(--line);border-radius:10px;box-shadow:0 16px 40px rgba(10,30,63,.14);padding:8px;opacity:0;visibility:hidden;transform:translateY(6px);transition:.16s;z-index:90}
.nav-i:hover .drop,.nav-i.open .drop,.nav-i:focus-within .drop{opacity:1;visibility:visible;transform:none}
.drop a{display:block;padding:9px 12px;font-size:13.5px;font-weight:500;color:var(--ink);border-radius:7px;cursor:pointer}
.drop a:hover,.drop a.active{background:var(--soft);color:var(--gold)}
.burger{display:none;width:42px;height:42px;border:1px solid var(--line);border-radius:8px;background:#fff;cursor:pointer;flex-direction:column;align-items:center;justify-content:center;gap:5px}
.burger span{width:20px;height:2px;background:var(--navy);display:block}
@media(max-width:900px){
  .burger{display:flex}
  header .wrap{height:56px}
  nav{position:absolute;left:0;right:0;top:100%;background:#fff;flex-direction:column;align-items:stretch;height:auto;gap:0;border-bottom:1px solid var(--line);box-shadow:0 20px 40px rgba(10,30,63,.12);display:none;padding:8px 0 12px;max-height:calc(100vh - 120px);overflow:auto}
  nav.show{display:flex}
  .nav-i>a{display:flex;justify-content:space-between;padding:12px 26px;border-radius:0}
  .nav-i>a.active::after{display:none}
  .nav-i>a.active{background:var(--soft)}
  .drop{position:static;opacity:1;visibility:visible;transform:none;box-shadow:none;border:0;border-radius:0;display:none;padding:0 14px 8px;background:var(--soft)}
  .nav-i.open .drop{display:block}
  .drop a{padding:10px 26px}
}

/* ===== Ticker ===== */
.tickerbar{background:var(--navy-2);border-bottom:1px solid rgba(255,255,255,.08);overflow:hidden;position:relative}
.tickerbar .lab{position:absolute;left:0;top:0;bottom:0;z-index:3;background:var(--gold);color:#1A1407;font-weight:800;font-size:11px;letter-spacing:.06em;display:flex;align-items:center;padding:0 14px}
.tk-track{display:flex;gap:34px;white-space:nowrap;width:max-content;padding:10px 0 10px 130px;animation:tk 60s linear infinite;font-family:var(--mono);font-size:12.5px}
@keyframes tk{from{transform:translateX(0)}to{transform:translateX(-50%)}}
.tk{color:#C6D4E6;display:inline-flex;gap:7px;align-items:center}
.tk b{color:#fff;font-weight:700}.tk .u{color:#6FD79E}.tk .d{color:#F08A82}
.tickerbar:hover .tk-track{animation-play-state:paused}
@media(prefers-reduced-motion:reduce){.tk-track{animation:none}}

/* ===== Pages ===== */
.page{display:block}
.page{animation:fade .25s ease}
@keyframes fade{from{opacity:0}to{opacity:1}}
@media(prefers-reduced-motion:reduce){.page{animation:none}}

/* page header band (all non-home pages) */
.ph{background:linear-gradient(120deg,var(--navy-deep),var(--navy-3));color:#fff;position:relative;overflow:hidden}
.ph::after{content:"";position:absolute;right:-120px;top:-160px;width:460px;height:460px;border-radius:50%;border:1px solid rgba(224,174,60,.25);background:radial-gradient(circle at 40% 40%,rgba(31,79,150,.55),transparent 65%)}
.ph .wrap{padding:54px 26px 46px;position:relative;z-index:1}
.ph .crumb{font-size:12.5px;color:#9FB2CA;margin-bottom:14px}
.ph .crumb a{color:#C6D4E6;cursor:pointer}.ph .crumb a:hover{color:var(--gold-2)}
.ph h1{color:#fff;font-size:40px;max-width:16ch}
.ph p{color:#B9C8DC;font-size:17px;margin-top:12px;max-width:62ch}
@media(max-width:700px){.ph h1{font-size:30px}.ph .wrap{padding:38px 26px 34px}}

section.s{padding:64px 0}
section.s.soft{background:var(--soft)}
.sec-h{margin-bottom:34px}
.sec-h h2{font-size:30px;margin-bottom:8px}
.sec-h p{color:var(--mute);font-size:16px}
.sec-h.center{text-align:center}.sec-h.center p{margin:0 auto}
.lead{font-size:17.5px;color:var(--ink);line-height:1.7}
.prose p+p{margin-top:16px}
.prose h3{font-size:22px;margin:34px 0 10px}
.prose ul{list-style:disc;padding-left:22px;max-width:72ch}
.prose li+li{margin-top:6px}
.two{display:grid;grid-template-columns:1.2fr .8fr;gap:44px;align-items:start}
@media(max-width:860px){.two{grid-template-columns:1fr}}

/* ===== Hero ===== */
.hero{background:var(--navy-deep);color:#E9EFF7;position:relative;overflow:hidden;min-height:560px;display:flex;align-items:center}
.hero .art{position:absolute;inset:0;background:url("../assets/hero-globe.jpg") center right/cover no-repeat;opacity:.75}
.hero .veil{position:absolute;inset:0;background:linear-gradient(90deg,rgba(7,22,48,.98) 0%,rgba(7,22,48,.92) 42%,rgba(7,22,48,.35) 75%,rgba(7,22,48,.2) 100%)}
.hero .wrap{position:relative;z-index:2;padding:74px 26px 66px;width:100%}
.hero .kicker{display:inline-flex;align-items:center;gap:9px;font-size:13px;font-weight:600;color:var(--gold-2);border:1px solid rgba(224,174,60,.4);border-radius:999px;padding:6px 14px;margin-bottom:22px;background:rgba(7,22,48,.5)}
.hero .kicker i{width:7px;height:7px;border-radius:50%;background:var(--gold-2);box-shadow:0 0 10px var(--gold-2)}
.hero h1{font-size:56px;color:#fff;line-height:1.02;max-width:12ch;font-weight:700}
.hero .lead{color:#B9C8DC;font-size:18px;max-width:52ch;margin:22px 0 30px}
.hero .cta{display:flex;gap:12px;flex-wrap:wrap}
.hero .feats{display:flex;gap:28px;flex-wrap:wrap;margin-top:40px;padding-top:26px;border-top:1px solid rgba(255,255,255,.14)}
.hero .feat{max-width:190px}
.hero .feat b{display:block;color:#fff;font-size:14px;font-weight:700}
.hero .feat small{color:#9FB2CA;font-size:12.5px}
@media(max-width:820px){.hero h1{font-size:38px}.hero .art{opacity:.4}.hero .veil{background:linear-gradient(180deg,rgba(7,22,48,.9),rgba(7,22,48,.95))}}

.lic{background:#fff;margin:-26px auto 0;position:relative;z-index:5;max-width:1130px;border:1px solid var(--line);border-radius:var(--r);box-shadow:0 12px 30px rgba(10,30,63,.08);display:flex;align-items:center;gap:16px;padding:16px 24px}
.lic span:not(.b){flex:1;min-width:0}
@media(max-width:700px){.lic{flex-wrap:wrap}}
.lic .b{width:34px;height:34px;border-radius:50%;background:var(--gold-soft);display:flex;align-items:center;justify-content:center;color:var(--gold);flex-shrink:0}
.lic span{font-weight:600;color:var(--navy);font-size:15px}
.lic a{color:var(--gold);font-weight:700;font-size:14px;cursor:pointer}
@media(max-width:1180px){.lic{margin-left:26px;margin-right:26px}}

/* ===== Grids & cards ===== */
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.grid2{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}
.grid6{display:grid;grid-template-columns:repeat(6,1fr);gap:14px}
@media(max-width:980px){.grid3{grid-template-columns:repeat(2,1fr)}.grid6{grid-template-columns:repeat(3,1fr)}}
@media(max-width:620px){.grid3,.grid2{grid-template-columns:1fr}.grid6{grid-template-columns:1fr 1fr}}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:26px 24px}
.card .ic{width:46px;height:46px;border-radius:10px;background:var(--gold-soft);color:var(--navy);display:flex;align-items:center;justify-content:center;margin-bottom:16px}
.card .ic svg{width:24px;height:24px}
.card h3{font-size:18px;margin-bottom:8px}
.card h4{font-size:16px;margin-bottom:6px;font-family:var(--sans);font-weight:700}
.card p{color:var(--mute);font-size:14.5px}
.card.link{cursor:pointer;transition:border-color .16s,transform .16s}
.card.link:hover{border-color:var(--gold);transform:translateY(-2px)}
.card.navy{background:var(--navy);border-color:var(--navy);color:#C6D4E6}
.card.navy h3{color:#fff}.card.navy p{color:#B9C8DC}
.card.navy .ic{background:rgba(224,174,60,.15);color:var(--gold-2)}

/* ===== Route diagram ===== */
.route{display:flex;align-items:stretch;justify-content:center;gap:10px;flex-wrap:wrap}
.rt{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:22px 16px;text-align:center;width:180px;cursor:pointer;transition:border-color .16s}
.rt:hover,.rt.on{border-color:var(--gold)}
.rt .ic{color:var(--navy);display:flex;justify-content:center;margin-bottom:10px}
.rt .ic svg{width:30px;height:30px}
.rt b{font-size:14px;color:var(--navy);display:block}
.rt small{display:block;color:var(--mute);font-size:12px;margin-top:3px}
.rt.hi{background:var(--navy);border-color:var(--navy)}
.rt.hi b{color:#fff}.rt.hi small{color:#B9C8DC}.rt.hi .ic{color:var(--gold-2)}
.rarrow{display:flex;align-items:center;color:var(--gold);font-size:22px;font-weight:700}
@media(max-width:860px){.rarrow{transform:rotate(90deg);width:100%;justify-content:center}.rt{width:100%;max-width:340px}}
.route-note{margin:26px auto 0;max-width:760px;background:#fff;border:1px solid var(--line);border-left:4px solid var(--gold);border-radius:8px;padding:16px 20px;font-size:14.5px;color:var(--ink)}
.route-note b{color:var(--navy)}

/* ===== Products ===== */
.prod-row{display:grid;grid-template-columns:repeat(6,1fr);gap:12px}
@media(max-width:980px){.prod-row{grid-template-columns:repeat(3,1fr)}}
@media(max-width:560px){.prod-row{grid-template-columns:repeat(2,1fr)}}
.prod{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:22px 12px;text-align:center;cursor:pointer;transition:border-color .16s,background .16s;border-bottom:3px solid var(--line)}
.prod .ic{color:var(--navy);display:flex;justify-content:center;margin-bottom:10px}
.prod .ic svg{width:34px;height:34px}
.prod b{font-size:14px;color:var(--navy);display:block;font-weight:700}
.prod:hover{border-color:var(--gold)}
.prod.on{border-color:var(--gold);border-bottom-color:var(--gold);background:var(--gold-soft)}
.prod-detail{margin-top:18px;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:26px 28px;display:grid;grid-template-columns:auto 1fr;gap:22px;align-items:start}
.prod-detail .ic{width:56px;height:56px;border-radius:12px;background:var(--gold-soft);display:flex;align-items:center;justify-content:center;color:var(--navy)}
.prod-detail .ic svg{width:30px;height:30px}
.prod-detail h3{font-size:22px;margin-bottom:8px}
.prod-detail p{color:var(--ink)}
.prod-detail .pnote{margin-top:12px;font-size:13px;color:var(--mute)}
@media(max-width:560px){.prod-detail{grid-template-columns:1fr}}

/* ===== Steps (journey) ===== */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;align-items:start}
@media(max-width:860px){.steps{grid-template-columns:1fr}}
.step{border-radius:var(--r);border:1px solid var(--line);background:#fff;overflow:hidden}
.step>button{width:100%;text-align:left;background:none;border:0;padding:24px 22px;cursor:pointer;display:flex;align-items:center;gap:14px;color:var(--navy);font-weight:700;font-size:16px}
.step .num{width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;color:#fff;font-weight:800;font-size:15px;flex-shrink:0}
.step[data-c="1"] .num{background:#1F5FBF}.step[data-c="2"] .num{background:#1E9E63}.step[data-c="3"] .num{background:#E0862B}
.step[data-c="1"]{border-top:3px solid #1F5FBF}.step[data-c="2"]{border-top:3px solid #1E9E63}.step[data-c="3"]{border-top:3px solid #E0862B}
.step .chev{margin-left:auto;width:10px;height:10px;border-right:2px solid var(--mute);border-bottom:2px solid var(--mute);transform:rotate(45deg);transition:transform .2s;flex-shrink:0}
.step.open .chev{transform:rotate(-135deg)}
.step .body{display:none;padding:0 22px 24px;color:var(--ink);font-size:14.5px;line-height:1.65}
.step.open .body{display:block}
.step .body .ill{margin-top:18px;height:120px;border-radius:8px;background:var(--soft);display:flex;align-items:center;justify-content:center;color:var(--navy)}
.step .body .ill svg{width:70px;height:70px}
.assure{margin-top:26px;background:#EEF3FB;border:1px solid #D6E1F3;border-radius:10px;padding:16px 20px;display:flex;gap:12px;align-items:center;color:var(--navy);font-size:14.5px}
.assure svg{width:24px;height:24px;flex-shrink:0;color:#1F5FBF}

/* ===== Markets board ===== */
.board-wrap{background:#fff;border:1px solid var(--line);border-radius:16px;padding:24px}
.board-h{display:flex;align-items:center;justify-content:space-between;gap:12px;margin-bottom:10px;flex-wrap:wrap}
.board-h h3{font-size:20px}
.board-h .delayed{font-size:12px;color:var(--mute)}
.grpttl{font-size:13px;font-weight:700;color:var(--gold);margin:16px 0 10px}
.board{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}
@media(max-width:900px){.board{grid-template-columns:1fr 1fr}}
.idx{background:var(--soft);border:1px solid var(--line);border-radius:10px;padding:14px}
.idx .nm{font-size:13px;font-weight:700;color:var(--navy)}
.idx .sym{font-family:var(--mono);font-size:10.5px;color:var(--mute)}
.idx .val{font-family:var(--mono);font-size:19px;font-weight:700;color:var(--navy);margin-top:6px}
.idx .chg{font-family:var(--mono);font-size:12.5px;margin-top:2px}
.idx .chg.u{color:var(--up)}.idx .chg.d{color:var(--down)}

/* ===== Tables ===== */
.tbl-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:var(--r);background:#fff}
table{width:100%;border-collapse:collapse;font-size:14.5px;min-width:560px}
th,td{text-align:left;padding:14px 18px;border-bottom:1px solid var(--line);vertical-align:top}
th{background:var(--navy);color:#fff;font-weight:600;font-size:13.5px}
tr:last-child td{border-bottom:0}
tbody tr:hover td{background:var(--soft)}
td a{color:var(--gold);font-weight:600}td a:hover{text-decoration:underline}

/* ===== Accordion (FAQ) ===== */
.acc{border:1px solid var(--line);border-radius:var(--r);background:#fff;overflow:hidden}
.acc+.acc{margin-top:10px}
.acc>button{width:100%;text-align:left;background:none;border:0;padding:18px 22px;cursor:pointer;display:flex;align-items:center;gap:14px;color:var(--navy);font-weight:700;font-size:15.5px}
.acc>button .q{width:28px;height:28px;border-radius:50%;border:1.5px solid var(--gold);color:var(--gold);display:flex;align-items:center;justify-content:center;font-size:12.5px;flex-shrink:0;font-weight:800}
.acc .chev{margin-left:auto;width:10px;height:10px;border-right:2px solid var(--mute);border-bottom:2px solid var(--mute);transform:rotate(45deg);transition:transform .2s;flex-shrink:0}
.acc.open .chev{transform:rotate(-135deg)}
.acc .body{display:none;padding:0 22px 20px 64px;color:var(--ink);font-size:14.5px;line-height:1.65}
.acc.open .body{display:block}
.acc .body a{color:var(--gold);font-weight:600}
@media(max-width:560px){.acc .body{padding-left:22px}}

/* ===== Regulatory / resources ===== */
.reg-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:16px}
@media(max-width:760px){.reg-grid{grid-template-columns:1fr}}
.reg{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:22px 24px}
.reg h4{font-family:var(--sans);font-size:15.5px;font-weight:700;margin-bottom:8px;display:flex;gap:10px;align-items:flex-start}
.reg h4 .k{font-family:var(--mono);font-size:11px;color:var(--gold);background:var(--gold-soft);padding:3px 7px;border-radius:5px;flex-shrink:0;margin-top:2px}
.reg p{font-size:14.5px;color:var(--ink)}
.reg ul{list-style:disc;padding-left:20px;font-size:14.5px;color:var(--ink);margin-top:8px}
.reg li+li{margin-top:4px}
.doc{display:flex;align-items:center;gap:16px;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:18px 20px}
.doc+.doc{margin-top:10px}
.doc .fi{width:44px;height:44px;border-radius:10px;background:var(--navy);color:var(--gold-2);display:flex;align-items:center;justify-content:center;flex-shrink:0}
.doc .fi svg{width:22px;height:22px}
.doc b{display:block;color:var(--navy);font-size:15px}
.doc small{color:var(--mute);font-size:13px}
.doc .st{margin-left:auto;font-size:12px;font-weight:700;padding:4px 10px;border-radius:999px;background:#E6F5EC;color:#177A4B;white-space:nowrap}
.doc .st.old{background:var(--soft);color:var(--mute)}
.doc .btn{margin-left:auto}
@media(max-width:620px){.doc{flex-wrap:wrap}.doc .btn,.doc .st{margin-left:0}}
.callout{background:var(--gold-soft);border:1px solid #EAD7A6;border-radius:10px;padding:18px 22px;font-size:14.5px;color:#4A3707;margin-top:24px}
.callout b{color:#2E2204}
.callout p{max-width:none}
.callout.navy{background:var(--navy);border-color:var(--navy);color:#C6D4E6}
.callout.navy b{color:#fff}
.callout.red{background:#FBEDEC;border-color:#F1C7C3;color:#6A1F1A}.callout.red b{color:#4E1410}

/* ===== Contact ===== */
.contact-grid{display:grid;grid-template-columns:1fr 1.1fr;gap:34px}
@media(max-width:860px){.contact-grid{grid-template-columns:1fr}}
.cinfo .row{display:flex;gap:14px;padding:18px 0;border-bottom:1px solid var(--line)}
.cinfo .row:first-child{padding-top:0}
.cinfo .ic{width:40px;height:40px;border-radius:10px;background:var(--gold-soft);color:var(--navy);display:flex;align-items:center;justify-content:center;flex-shrink:0}
.cinfo .ic svg{width:20px;height:20px}
.cinfo b{display:block;color:var(--navy);font-size:15px}
.cinfo a{color:var(--gold);font-weight:600}
.cinfo small{color:var(--mute);font-size:13px;display:block}
form.cf{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:26px}
form.cf h3{font-size:20px;margin-bottom:6px}
form.cf>p{color:var(--mute);font-size:14px;margin-bottom:18px}
.f2{display:grid;grid-template-columns:1fr 1fr;gap:14px}
@media(max-width:560px){.f2{grid-template-columns:1fr}}
label{display:block;font-size:13px;font-weight:600;color:var(--navy);margin-bottom:6px}
.fld{margin-bottom:14px}
input,select,textarea{width:100%;font-family:inherit;font-size:14.5px;padding:11px 13px;border:1px solid #CBD5E1;border-radius:7px;background:#fff;color:var(--ink)}
input:focus,select:focus,textarea:focus{border-color:var(--gold);outline:none;box-shadow:0 0 0 3px rgba(200,148,31,.18)}
textarea{min-height:120px;resize:vertical}
.fnote{font-size:12.5px;color:var(--mute);margin-top:10px}

/* ===== CTA band ===== */
.cta-band{background:var(--navy);color:#fff;padding:56px 0}
.cta-band .wrap{display:flex;align-items:center;justify-content:space-between;gap:26px;flex-wrap:wrap}
.cta-band h2{color:#fff;font-size:30px;max-width:20ch}
.cta-band p{color:#B9C8DC;margin-top:8px}
.cta-band .acts{display:flex;gap:12px;flex-wrap:wrap}

/* ===== Footer ===== */
footer{background:var(--navy-deep);color:#9FB2CA;padding:54px 0 26px;font-size:13.5px}
.fcols{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr 1fr;gap:26px;margin-bottom:34px}
@media(max-width:900px){.fcols{grid-template-columns:1fr 1fr}}
@media(max-width:520px){.fcols{grid-template-columns:1fr}}
footer h5{color:#fff;font-size:13px;font-family:var(--sans);margin-bottom:14px;font-weight:700}
footer .fcols a{display:block;color:#9FB2CA;padding:5px 0;cursor:pointer}footer .fcols a:hover{color:var(--gold-2)}
.fbrand .logo .txt{color:#fff}.fbrand .logo .txt small{color:var(--gold-2)}
.fbrand .logo img{background:#fff;border-radius:8px;padding:4px}
.fbrand p{margin-top:14px;font-size:13px;max-width:300px;line-height:1.6}
.fdisc{border-top:1px solid rgba(255,255,255,.1);padding-top:20px;font-size:12px;color:#7E92AB;line-height:1.6;max-width:none}
.fbar{padding-top:18px;display:flex;justify-content:space-between;gap:14px;flex-wrap:wrap;font-size:12px;color:#7E92AB}
.fbar a{cursor:pointer}.fbar a:hover{color:var(--gold-2)}

/* content still to be confirmed by Jaypee */
.tbc{display:inline-block;font-size:11px;font-weight:700;color:#8A5B00;background:var(--gold-soft);border-radius:4px;padding:2px 7px;vertical-align:middle;letter-spacing:.02em}

/* back to top */
.totop{position:fixed;right:22px;bottom:22px;width:44px;height:44px;border-radius:50%;background:var(--navy);color:#fff;border:0;cursor:pointer;box-shadow:0 8px 20px rgba(10,30,63,.3);display:none;align-items:center;justify-content:center;z-index:70}
.totop.show{display:flex}