/* ============================================================
   ECHELON BANK | MAIN STYLESHEET
   FILE: assets/css/style.css
   Domain: echelononline.net
   ============================================================ */

/* ============================================================
   1. CSS RESET & ROOT VARIABLES
   ============================================================ */

*, *::before, *::after {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
}

:root {
    /* Brand Colours */
    --color-primary:        #1A3C5E;
    --color-primary-dark:   #122C45;
    --color-primary-light:  #2A5A8E;
    --color-accent:         #C9A84C;
    --color-accent-hover:   #B8963E;

    /* Neutrals */
    --color-white:          #FFFFFF;
    --color-off-white:      #F8F9FB;
    --color-light-grey:      #EEF0F4;
    --color-mid-grey:       #B0B8C4;
    --color-dark-grey:      #4A5568;
    --color-black:          #1A1A2E;

    /* Status */
    --color-success:        #2E7D52;
    --color-success-light:  #EAF5EE;
    --color-warning:        #B45309;
    --color-warning-light:  #FEF3C7;
    --color-error:          #B91C1C;
    --color-error-light:    #FEE2E2;
    --color-info:           #1D4ED8;
    --color-info-light:     #EFF6FF;

    /* Typography */
    --font-primary: 'Inter', 'Segoe UI', Arial, sans-serif;
    --font-heading: 'Georgia', 'Times New Roman', serif;

    --text-xs:   0.75rem;
    --text-sm:   0.875rem;
    --text-base: 1rem;
    --text-lg:   1.125rem;
    --text-xl:   1.25rem;
    --text-2xl:  1.5rem;
    --text-3xl:  1.875rem;
    --text-4xl:  2.25rem;
    --text-5xl:  3rem;

    /* Spacing */
    --space-1:  0.25rem;
    --space-2:  0.5rem;
    --space-3:  0.75rem;
    --space-4:  1rem;
    --space-5:  1.25rem;
    --space-6:  1.5rem;
    --space-8:  2rem;
    --space-10: 2.5rem;
    --space-12: 3rem;
    --space-16: 4rem;
    --space-20: 5rem;
    --space-24: 6rem;

    /* Border Radius */
    --radius-sm:   4px;
    --radius-md:   8px;
    --radius-lg:   12px;
    --radius-xl:   16px;
    --radius-full: 9999px;

    /* Shadows */
    --shadow-sm: 0 1px 3px rgba(0,0,0,0.08);
    --shadow-md: 0 4px 12px rgba(0,0,0,0.10);
    --shadow-lg: 0 8px 24px rgba(0,0,0,0.12);
    --shadow-xl: 0 16px 40px rgba(0,0,0,0.14);

    /* Transition */
    --transition: all 0.25s ease;
}

/* ============================================================
   2. BASE
   ============================================================ */

html {
    scroll-behavior: smooth;
    font-size: 16px;
}

body {
    font-family: var(--font-primary);
    font-size: var(--text-base);
    color: var(--color-black);
    background-color: var(--color-white);
    line-height: 1.7;
    -webkit-font-smoothing: antialiased;
}

h1, h2, h3, h4, h5, h6 {
    font-family: var(--font-heading);
    color: var(--color-primary);
    line-height: 1.3;
    font-weight: 700;
    margin-bottom: var(--space-4);
}

h1 { font-size: var(--text-5xl); }
h2 { font-size: var(--text-4xl); }
h3 { font-size: var(--text-3xl); }
h4 { font-size: var(--text-2xl); }
h5 { font-size: var(--text-xl); }
h6 { font-size: var(--text-lg); }

p {
    color: var(--color-dark-grey);
    margin-bottom: var(--space-4);
    line-height: 1.8;
}

a {
    color: var(--color-primary);
    text-decoration: none;
    transition: var(--transition);
}

a:hover {
    color: var(--color-accent);
}

ul, ol {
    padding-left: var(--space-6);
}

li {
    color: var(--color-dark-grey);
    margin-bottom: var(--space-2);
    line-height: 1.7;
}

img {
    max-width: 100%;
    height: auto;
    display: block;
}

address {
    font-style: normal;
    line-height: 1.8;
    color: var(--color-dark-grey);
    margin-bottom: var(--space-4);
}

code {
    font-family: 'Courier New', monospace;
}

/* ============================================================
   3. LAYOUT
   ============================================================ */

.container {
    max-width: 1200px;
    margin: 0 auto;
    padding-left: var(--space-6);
    padding-right: var(--space-6);
}

.section-padding {
    padding-top: var(--space-20);
    padding-bottom: var(--space-20);
}

.section-alt {
    background-color: var(--color-off-white);
}

.section-dark {
    background-color: var(--color-primary);
}

.section-dark h1,
.section-dark h2,
.section-dark h3,
.section-dark p,
.section-dark li {
    color: var(--color-white);
}

.section-header {
    text-align: center;
    margin-bottom: var(--space-12);
}

.section-header h2 {
    margin-bottom: var(--space-3);
}

.section-header p {
    font-size: var(--text-lg);
    max-width: 600px;
    margin: 0 auto;
}

/* ============================================================
   4. BUTTONS
   ============================================================ */

.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    padding: var(--space-3) var(--space-6);
    border-radius: var(--radius-md);
    font-size: var(--text-base);
    font-weight: 600;
    font-family: var(--font-primary);
    cursor: pointer;
    border: 2px solid transparent;
    transition: var(--transition);
    text-decoration: none;
    line-height: 1.4;
    white-space: nowrap;
}

.btn-primary {
    background-color: var(--color-accent);
    color: var(--color-primary);
    border-color: var(--color-accent);
}

.btn-primary:hover {
    background-color: var(--color-accent-hover);
    border-color: var(--color-accent-hover);
    color: var(--color-primary);
    transform: translateY(-1px);
    box-shadow: var(--shadow-md);
}

.btn-outline {
    background-color: transparent;
    color: var(--color-primary);
    border-color: var(--color-primary);
}

.btn-outline:hover {
    background-color: var(--color-primary);
    color: var(--color-white);
}

.btn-outline-white {
    background-color: transparent;
    color: var(--color-white);
    border-color: var(--color-white);
}

.btn-outline-white:hover {
    background-color: var(--color-white);
    color: var(--color-primary);
}

.btn-lg {
    padding: var(--space-4) var(--space-8);
    font-size: var(--text-lg);
}

.btn-sm {
    padding: var(--space-2) var(--space-4);
    font-size: var(--text-sm);
}

.btn-link {
    background: none;
    border: none;
    padding: 0;
    color: var(--color-primary);
    font-weight: 600;
    cursor: pointer;
    font-size: var(--text-base);
}

.btn-link:hover {
    color: var(--color-accent);
}

.btn:disabled {
    opacity: 0.5;
    cursor: not-allowed;
    transform: none;
}

/* ============================================================
   5. HEADER & NAVIGATION
   ============================================================ */

.site-header {
    position: sticky;
    top: 0;
    z-index: 1000;
    background-color: var(--color-white);
    border-bottom: 1px solid var(--color-light-grey);
    box-shadow: var(--shadow-sm);
}

.header-inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    height: 80px;
}

.logo img {
    height: 48px;
    width: auto;
}

.main-nav ul {
    display: flex;
    list-style: none;
    padding: 0;
    margin: 0;
    gap: var(--space-8);
}

.main-nav a {
    font-size: var(--text-base);
    font-weight: 600;
    color: var(--color-primary);
    padding: var(--space-2) 0;
    position: relative;
    transition: var(--transition);
}

.main-nav a::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    width: 0;
    height: 2px;
    background-color: var(--color-accent);
    transition: var(--transition);
}

.main-nav a:hover::after,
.main-nav a.active::after {
    width: 100%;
}

.main-nav a:hover {
    color: var(--color-accent);
}

/* Dropdown */
.dropdown {
    position: relative;
}

.dropdown-menu {
    display: none;
    position: absolute;
    top: calc(100% + 8px);
    left: 0;
    background: var(--color-white);
    border: 1px solid var(--color-light-grey);
    border-radius: var(--radius-md);
    box-shadow: var(--shadow-lg);
    min-width: 210px;
    padding: var(--space-2) 0;
    z-index: 999;
    list-style: none;
}

.dropdown:hover .dropdown-menu {
    display: block;
}

.dropdown-menu li {
    margin: 0;
}

.dropdown-menu a {
    display: block;
    padding: var(--space-3) var(--space-5);
    color: var(--color-dark-grey);
    font-size: var(--text-sm);
    font-weight: 500;
}

.dropdown-menu a:hover {
    background-color: var(--color-off-white);
    color: var(--color-primary);
}

.dropdown-menu a::after {
    display: none;
}

.header-actions {
    display: flex;
    gap: var(--space-3);
    align-items: center;
}

.mobile-menu-toggle {
    display: none;
    flex-direction: column;
    gap: 5px;
    background: none;
    border: none;
    cursor: pointer;
    padding: var(--space-2);
}

.mobile-menu-toggle span {
    display: block;
    width: 24px;
    height: 2px;
    background-color: var(--color-primary);
    border-radius: 2px;
    transition: var(--transition);
}

/* ============================================================
   6. HERO
   ============================================================ */

.hero {
    position: relative;
    min-height: 620px;
    display: flex;
    align-items: center;
    background-color: var(--color-primary);
    background-image: url('/assets/images/hero-bg.jpg');
    background-size: cover;
    background-position: center;
    overflow: hidden;
}

.hero-overlay {
    position: absolute;
    inset: 0;
    background: rgba(26, 60, 94, 0.80);
}

.hero-content {
    position: relative;
    z-index: 1;
    max-width: 700px;
    padding: var(--space-20) var(--space-6);
}

.hero-content h1 {
    color: var(--color-white);
    font-size: clamp(2rem, 5vw, 3.5rem);
    margin-bottom: var(--space-6);
    line-height: 1.2;
}

.hero-content p {
    color: rgba(255,255,255,0.88);
    font-size: var(--text-lg);
    margin-bottom: var(--space-8);
    max-width: 560px;
}

.hero-actions {
    display: flex;
    gap: var(--space-4);
    flex-wrap: wrap;
}

/* ============================================================
   7. TRUST BAR
   ============================================================ */

.trust-bar {
    background-color: var(--color-primary-dark);
    padding: var(--space-4) 0;
}

.trust-bar-inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    flex-wrap: wrap;
    gap: var(--space-4);
}

.trust-item span {
    color: var(--color-mid-grey);
    font-size: var(--text-sm);
    font-weight: 500;
}

/* ============================================================
   8. ABOUT / MISSION / VISION GRIDS
   ============================================================ */

.about-grid,
.mission-grid,
.vision-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: var(--space-16);
    align-items: center;
}

.about-text h2,
.mission-text h2,
.vision-text h2 {
    margin-bottom: var(--space-6);
}

.about-image img,
.mission-image img,
.vision-image img {
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-xl);
    width: 100%;
}

/* ============================================================
   ECHELON BANK | PREMIUM INTERACTIVE SERVICES GRID
   ============================================================ */

.premium-services-fluid {
    position: relative;
    padding: 140px 0;
    /* Mixed palette background: deep corporate slate blending cleanly into off-white & light silver */
    background: linear-gradient(180deg, #122C45 0%, #1A3C5E 30%, #EEF0F4 85%, #F8F9FB 100%);
    overflow: hidden;
}

.premium-gradient-overlay {
    position: absolute;
    inset: 0;
    background: radial-gradient(circle at 80% 20%, rgba(201, 168, 76, 0.05) 0%, transparent 50%);
    pointer-events: none;
}

/* Section Headings */
.premium-header-center {
    text-align: center;
    margin-bottom: 90px;
    position: relative;
    z-index: 2;
}

.

/* ============================================================
   10. FEATURES GRID
   ============================================================ */

.features-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: var(--space-8);
}

.feature-item {
    padding: var(--space-6);
    border-left: 3px solid var(--color-accent);
    background: var(--color-off-white);
    border-radius: 0 var(--radius-md) var(--radius-md) 0;
}

.feature-item h4 {
    font-size: var(--text-lg);
    margin-bottom: var(--space-3);
}

.feature-item p {
    font-size: var(--text-sm);
    margin: 0;
}

/* ============================================================
   11. STATS
   ============================================================ */

.stats-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: var(--space-8);
    text-align: center;
}

.stat-item h3 {
    font-size: clamp(2rem, 4vw, 3rem);
    color: var(--color-accent);
    margin-bottom: var(--space-2);
}

.stat-item p {
    color: rgba(255,255,255,0.80);
    font-size: var(--text-sm);
    margin: 0;
}

/* ============================================================
   12. TESTIMONIALS
   ============================================================ */

.testimonials-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: var(--space-6);
}

.testimonial-card {
    background: var(--color-off-white);
    border-left: 4px solid var(--color-accent);
    border-radius: var(--radius-md);
    padding: var(--space-8);
}

.testimonial-card p {
    font-style: italic;
    font-size: var(--text-base);
    margin-bottom: var(--space-4);
    color: var(--color-dark-grey);
}

.testimonial-card cite {
    font-weight: 600;
    font-size: var(--text-sm);
    color: var(--color-primary);
    font-style: normal;
}

/* ============================================================
   13. CTA BANNER
   ============================================================ */

.cta-banner {
    background-color: var(--color-primary);
    text-align: center;
}

.cta-content h2 {
    color: var(--color-white);
    margin-bottom: var(--space-4);
}

.cta-content p {
    color: rgba(255,255,255,0.85);
    max-width: 560px;
    margin: 0 auto var(--space-8);
    font-size: var(--text-lg);
}

.cta-actions {
    display: flex;
    justify-content: center;
    gap: var(--space-4);
    flex-wrap: wrap;
}

/* ============================================================
   14. PAGE BANNER (INNER PAGES)
   ============================================================ */

.page-banner {
    background-color: var(--color-primary);
    padding: var(--space-16) 0;
}

.page-banner h1 {
    color: var(--color-white);
    margin-bottom: var(--space-4);
    margin-top: var(--space-4);
}

.page-banner p {
    color: rgba(255,255,255,0.85);
    font-size: var(--text-lg);
    max-width: 600px;
    margin: 0;
}

.breadcrumb {
    display: flex;
    gap: var(--space-2);
    flex-wrap: wrap;
    font-size: var(--text-sm);
    color: rgba(255,255,255,0.55);
    margin-bottom: var(--space-4);
}

.breadcrumb a {
    color: rgba(255,255,255,0.70);
}

.breadcrumb a:hover {
    color: var(--color-accent);
}

.breadcrumb span {
    color: var(--color-accent);
}

/* ============================================================
   15. VALUES GRID
   ============================================================ */

.values-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: var(--space-6);
}

.value-card {
    background: var(--color-white);
    border: 1px solid var(--color-light-grey);
    border-top: 4px solid var(--color-accent);
    border-radius: var(--radius-lg);
    padding: var(--space-8);
    transition: var(--transition);
}

.value-card:hover {
    box-shadow: var(--shadow-lg);
}

.value-card h3 {
    font-size: var(--text-xl);
    margin-bottom: var(--space-3);
}

/* ============================================================
   16. ACCOUNTS PAGE
   ============================================================ */

.accounts-section h2 {
    margin-bottom: var(--space-8);
}

.accounts-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: var(--space-6);
}

.account-card {
    background: var(--color-white);
    border: 1px solid var(--color-light-grey);
    border-radius: var(--radius-lg);
    padding: var(--space-8);
    display: flex;
    flex-direction: column;
    transition: var(--transition);
}

.account-card:hover {
    box-shadow: var(--shadow-lg);
    border-color: var(--color-primary);
}

.account-card.featured {
    border: 2px solid var(--color-accent);
    box-shadow: var(--shadow-md);
}

.account-card-header {
    margin-bottom: var(--space-4);
}

.account-card h3 {
    font-size: var(--text-xl);
    margin-bottom: var(--space-2);
}

.account-type {
    font-size: var(--text-xs);
    color: var(--color-mid-grey);
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.05em;
}

.account-card p {
    font-size: var(--text-sm);
    margin-bottom: var(--space-6);
}

.feature-list {
    list-style: none;
    padding: 0;
    margin-bottom: var(--space-8);
    flex-grow: 1;
}

.feature-list li {
    font-size: var(--text-sm);
    padding: var(--space-2) 0;
    border-bottom: 1px solid var(--color-light-grey);
    margin: 0;
    color: var(--color-dark-grey);
}

.feature-list li::before {
    content: '✓  ';
    color: var(--color-success);
    font-weight: 700;
}

.account-card .btn {
    width: 100%;
    margin-top: auto;
}

.badge {
    display: inline-block;
    background-color: var(--color-accent);
    color: var(--color-primary);
    font-size: var(--text-xs);
    font-weight: 700;
    padding: var(--space-1) var(--space-3);
    border-radius: var(--radius-full);
    text-transform: uppercase;
    letter-spacing: 0.05em;
    margin-bottom: var(--space-3);
}

.badge-green {
    background-color: var(--color-success-light);
    color: var(--color-success);
}

/* ============================================================
   17. CONTACT PAGE
   ============================================================ */

.contact-grid {
    display: grid;
    grid-template-columns: 1fr 2fr;
    gap: var(--space-16);
    align-items: start;
}

.contact-methods {
    display: flex;
    flex-direction: column;
    gap: var(--space-5);
}

.contact-method {
    background: var(--color-off-white);
    border-radius: var(--radius-md);
    padding: var(--space-6);
    border-left: 4px solid var(--color-accent);
}

.contact-method h4 {
    font-size: var(--text-base);
    margin-bottom: var(--space-2);
}

.contact-method a {
    font-weight: 600;
    color: var(--color-primary);
    display: block;
    margin-bottom: var(--space-1);
    font-size: var(--text-sm);
}

.contact-method p {
    font-size: var(--text-sm);
    margin: 0;
    color: var(--color-mid-grey);
}

.contact-form-wrap h2 {
    margin-bottom: var(--space-8);
}

/* ============================================================
   18. FORMS
   ============================================================ */

.form-group {
    margin-bottom: var(--space-5);
}

.form-group label {
    display: block;
    font-weight: 600;
    font-size: var(--text-sm);
    color: var(--color-primary);
    margin-bottom: var(--space-2);
}

.form-group input[type="text"],
.form-group input[type="email"],
.form-group input[type="tel"],
.form-group input[type="password"],
.form-group input[type="date"],
.form-group input[type="number"],
.form-group input[type="file"],
.form-group select,
.form-group textarea {
    width: 100%;
    padding: var(--space-3) var(--space-4);
    border: 1px solid var(--color-mid-grey);
    border-radius: var(--radius-md);
    font-size: var(--text-base);
    font-family: var(--font-primary);
    color: var(--color-black);
    background: var(--color-white);
    transition: var(--transition);
    outline: none;
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
    border-color: var(--color-primary);
    box-shadow: 0 0 0 3px rgba(26,60,94,0.10);
}

.form-group input.error,
.form-group select.error,
.form-group textarea.error {
    border-color: var(--color-error);
}

.form-group textarea {
    resize: vertical;
    min-height: 120px;
}

.form-group small {
    display: block;
    color: var(--color-mid-grey);
    font-size: var(--text-xs);
    margin-top: var(--space-1);
}

.form-check {
    display: flex;
    align-items: flex-start;
    gap: var(--space-3);
    margin-bottom: var(--space-4);
}

.form-check input[type="checkbox"],
.form-check input[type="radio"] {
    width: 18px;
    height: 18px;
    flex-shrink: 0;
    margin-top: 3px;
    cursor: pointer;
    accent-color: var(--color-primary);
}

.form-check label {
    margin: 0;
    font-size: var(--text-sm);
    cursor: pointer;
    font-weight: 400;
    color: var(--color-dark-grey);
}

.form-row {
    display: grid;
    gap: var(--space-4);
}

.form-row-2 { grid-template-columns: 1fr 1fr; }
.form-row-3 { grid-template-columns: 1fr 1fr 1fr; }

.form-actions {
    display: flex;
    align-items: center;
    gap: var(--space-4);
    margin-top: var(--space-8);
    padding-top: var(--space-6);
    border-top: 1px solid var(--color-light-grey);
}

.form-note {
    background: var(--color-info-light);
    border-left: 4px solid var(--color-info);
    border-radius: var(--radius-md);
    padding: var(--space-4);
    font-size: var(--text-sm);
    color: var(--color-dark-grey);
    margin-bottom: var(--space-6);
}

.form-disclaimer {
    font-size: var(--text-xs);
    color: var(--color-mid-grey);
    margin-top: var(--space-4);
}

.text-warning {
    color: var(--color-warning);
    font-size: var(--text-xs);
}

.text-link {
    color: var(--color-primary);
    font-weight: 600;
    font-size: var(--text-sm);
    text-decoration: underline;
}

/* Password strength bar */
.password-strength {
    height: 5px;
    border-radius: var(--radius-full);
    margin-top: var(--space-2);
    background: var(--color-light-grey);
    transition: var(--transition);
}

/* Radio group */
.radio-group {
    display: flex;
    flex-direction: column;
    gap: var(--space-3);
    margin-bottom: var(--space-6);
}

.radio-group label {
    display: flex;
    align-items: center;
    gap: var(--space-3);
    cursor: pointer;
    font-size: var(--text-base);
    font-weight: 400;
    color: var(--color-dark-grey);
    padding: var(--space-3) var(--space-4);
    border: 1px solid var(--color-light-grey);
    border-radius: var(--radius-md);
    transition: var(--transition);
}

.radio-group label:has(input:checked) {
    border-color: var(--color-primary);
    background-color: var(--color-off-white);
    color: var(--color-primary);
    font-weight: 600;
}

/* Alerts */
.alert {
    padding: var(--space-4) var(--space-5);
    border-radius: var(--radius-md);
    font-size: var(--text-sm);
    margin-bottom: var(--space-5);
    border-left: 4px solid;
    line-height: 1.6;
}

.alert-success {
    background-color: var(--color-success-light);
    border-color: var(--color-success);
    color: var(--color-success);
}

.alert-error {
    background-color: var(--color-error-light);
    border-color: var(--color-error);
    color: var(--color-error);
}

.alert-warning {
    background-color: var(--color-warning-light);
    border-color: var(--color-warning);
    color: var(--color-warning);
}

.alert-info {
    background-color: var(--color-info-light);
    border-color: var(--color-info);
    color: var(--color-info);
}

/* ============================================================
   19. REGISTRATION FLOW
   ============================================================ */

.register-section {
    background-color: var(--color-off-white);
    min-height: calc(100vh - 80px);
    padding: var(--space-16) 0;
}

.register-landing {
    max-width: 860px;
    margin: 0 auto;
    text-align: center;
}

.register-landing h1 {
    margin-bottom: var(--space-4);
}

.register-landing > p {
    font-size: var(--text-lg);
    margin-bottom: var(--space-12);
}

.account-type-cards {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: var(--space-6);
    margin-bottom: var(--space-10);
}

.type-card {
    background: var(--color-white);
    border: 2px solid var(--color-light-grey);
    border-radius: var(--radius-xl);
    padding: var(--space-10);
    text-align: center;
    transition: var(--transition);
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: var(--space-4);
    text-decoration: none;
    color: inherit;
}

.type-card:hover {
    border-color: var(--color-primary);
    box-shadow: var(--shadow-xl);
    transform: translateY(-4px);
    color: inherit;
}

.type-card h2 {
    font-size: var(--text-2xl);
    margin: 0;
    color: var(--color-primary);
}

.type-card p {
    font-size: var(--text-sm);
    margin: 0;
}

.trust-indicators {
    display: flex;
    justify-content: center;
    flex-wrap: wrap;
    gap: var(--space-6);
}

.trust-indicators span {
    font-size: var(--text-sm);
    color: var(--color-dark-grey);
    font-weight: 500;
}

/* Step progress */
.step-progress {
    display: flex;
    justify-content: center;
    align-items: flex-start;
    gap: 0;
    margin-bottom: var(--space-8);
    overflow-x: auto;
    padding-bottom: var(--space-2);
}

.step-item {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: var(--space-2);
    position: relative;
    flex: 1;
}

.step-item::before {
    content: '';
    position: absolute;
    top: 16px;
    left: 50%;
    width: 100%;
    height: 2px;
    background-color: var(--color-light-grey);
    z-index: 0;
}

.step-item:last-child::before {
    display: none;
}

.step-number {
    width: 34px;
    height: 34px;
    border-radius: 50%;
    border: 2px solid var(--color-mid-grey);
    background: var(--color-white);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: var(--text-sm);
    font-weight: 700;
    color: var(--color-mid-grey);
    position: relative;
    z-index: 1;
    transition: var(--transition);
}

.step-item.active .step-number {
    background: var(--color-primary);
    border-color: var(--color-primary);
    color: var(--color-white);
}

.step-item.completed .step-number {
    background: var(--color-success);
    border-color: var(--color-success);
    color: var(--color-white);
}

.step-label {
    font-size: var(--text-xs);
    font-weight: 600;
    color: var(--color-mid-grey);
    text-align: center;
    white-space: nowrap;
}

.step-item.active .step-label { color: var(--color-primary); }
.step-item.completed .step-label { color: var(--color-success); }

.step-save-note {
    text-align: center;
    font-size: var(--text-sm);
    color: var(--color-mid-grey);
    margin-bottom: var(--space-8);
}

/* Register step card */
.register-step {
    background: var(--color-white);
    border-radius: var(--radius-xl);
    padding: var(--space-12);
    max-width: 740px;
    margin: 0 auto;
    box-shadow: var(--shadow-md);
    border: 1px solid var(--color-light-grey);
}

.register-step h2 {
    margin-bottom: var(--space-2);
}

.register-step > p {
    margin-bottom: var(--space-8);
    color: var(--color-dark-grey);
}

.register-step h3 {
    font-size: var(--text-xl);
    margin-top: var(--space-8);
    margin-bottom: var(--space-5);
    padding-bottom: var(--space-3);
    border-bottom: 2px solid var(--color-light-grey);
    color: var(--color-primary);
}

/* Upload groups */
.upload-group {
    background: var(--color-off-white);
    border: 2px dashed var(--color-mid-grey);
    border-radius: var(--radius-lg);
    padding: var(--space-6);
    margin-bottom: var(--space-6);
    transition: var(--transition);
}

.upload-group:hover {
    border-color: var(--color-primary);
}

.upload-group label {
    display: block;
    font-weight: 600;
    font-size: var(--text-base);
    color: var(--color-primary);
    margin-bottom: var(--space-2);
}

.upload-instruction {
    font-size: var(--text-sm);
    color: var(--color-mid-grey);
    margin-bottom: var(--space-4);
}

.upload-preview {
    min-height: 80px;
    border-radius: var(--radius-md);
    background: var(--color-light-grey);
    margin-top: var(--space-3);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--color-mid-grey);
    font-size: var(--text-sm);
}

/* Account select cards */
.account-select-cards {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: var(--space-4);
    margin-bottom: var(--space-4);
}

.select-card {
    border: 2px solid var(--color-light-grey);
    border-radius: var(--radius-lg);
    padding: var(--space-5);
    cursor: pointer;
    transition: var(--transition);
    display: block;
}

.select-card:has(input:checked) {
    border-color: var(--color-primary);
    background-color: var(--color-off-white);
}

.select-card input {
    display: none;
}

.select-card h4 {
    font-size: var(--text-base);
    margin-bottom: var(--space-1);
}

.select-card p {
    font-size: var(--text-sm);
    margin: 0;
}

/* Review panels */
.review-panel {
    border: 1px solid var(--color-light-grey);
    border-radius: var(--radius-md);
    margin-bottom: var(--space-4);
    overflow: hidden;
}

.review-panel-header {
    background: var(--color-off-white);
    padding: var(--space-4) var(--space-5);
    display: flex;
    justify-content: space-between;
    align-items: center;
    border-bottom: 1px solid var(--color-light-grey);
}

.review-panel-header h4 {
    font-size: var(--text-base);
    margin: 0;
}

.review-panel-header a {
    font-size: var(--text-sm);
    font-weight: 600;
    color: var(--color-accent);
}

.review-panel-body {
    padding: var(--space-5);
}

.review-panel-body p {
    font-size: var(--text-sm);
    margin: 0 0 var(--space-2);
}

/* ============================================================
   20. LEGAL PAGES
   ============================================================ */

.legal-page {
    padding: var(--space-16) 0;
}

.legal-container {
    display: grid;
    grid-template-columns: 240px 1fr;
    gap: var(--space-16);
    align-items: start;
}

.legal-nav {
    position: sticky;
    top: 100px;
    background: var(--color-off-white);
    border-radius: var(--radius-lg);
    padding: var(--space-6);
    border: 1px solid var(--color-light-grey);
}

.legal-nav h4 {
    font-size: var(--text-base);
    margin-bottom: var(--space-4);
}

.legal-nav ol {
    padding-left: var(--space-5);
}

.legal-nav li {
    margin-bottom: var(--space-2);
}

.legal-nav a {
    font-size: var(--text-sm);
    color: var(--color-dark-grey);
}

.legal-nav a:hover {
    color: var(--color-primary);
}

.legal-content section {
    padding-bottom: var(--space-10);
    margin-bottom: var(--space-10);
    border-bottom: 1px solid var(--color-light-grey);
}

.legal-content section:last-child {
    border-bottom: none;
}

.legal-content h2 {
    font-size: var(--text-2xl);
    margin-bottom: var(--space-5);
    scroll-margin-top: 100px;
}

.legal-content h3 {
    font-size: var(--text-xl);
    margin-top: var(--space-6);
    margin-bottom: var(--space-3);
}

.legal-content p {
    font-size: var(--text-base);
}

.legal-table {
    width: 100%;
    border-collapse: collapse;
    margin: var(--space-6) 0;
    font-size: var(--text-sm);
}

.legal-table th {
    background: var(--color-primary);
    color: var(--color-white);
    padding: var(--space-3) var(--space-4);
    text-align: left;
    font-weight: 600;
}

.legal-table td {
    padding: var(--space-3) var(--space-4);
    border-bottom: 1px solid var(--color-light-grey);
    color: var(--color-dark-grey);
}

.legal-table tr:nth-child(even) td {
    background-color: var(--color-off-white);
}

/* ============================================================
   21. PORTAL / DASHBOARD LAYOUT
   ============================================================ */

.portal-body {
    display: flex;
    min-height: 100vh;
    background-color: var(--color-off-white);
}

/* Base adaptive responsiveness fix for the premium grid section hook */
@media (max-width: 768px) {
    .services-grid {
        grid-template-columns: 1fr 1fr;
    }
}

@media (max-width: 480px) {
    .services-grid {
        grid-template-columns: 1fr;
    }
}