/* ==========================================================================
   SEFA - the public site and the legal pages.
   Brand: deep maroon + gold on a warm light canvas, the same values as the
   admin panel (assets/admin/css/admin.css). No build step; the font comes
   from Google Fonts and every image is served from assets/site/img.
   ========================================================================== */

:root {
    --maroon: #5E0B1E;
    --maroon-600: #7A1229;
    --maroon-400: #9B3247;
    --maroon-100: #F3E3E8;
    --maroon-050: #FAF2F4;
    --gold: #C9992E;
    --gold-300: #E7C877;
    --gold-050: #FBF3DF;

    --white: #FFFFFF;
    --canvas: #F5F2F4;
    --grey-25: #FCFAFB;
    --grey-100: #F3EDF0;
    --grey-150: #EBE2E6;
    --grey-300: #CDBEC5;
    --grey-500: #8B7880;
    --grey-600: #5A4650;
    --ink: #241017;
    --ink-2: #5A4650;

    --radius: 18px;
    --radius-sm: 12px;
    --shadow: 0 1px 2px rgba(36, 16, 23, .05), 0 12px 32px -18px rgba(36, 16, 23, .35);
    --shadow-lg: 0 24px 60px -28px rgba(36, 16, 23, .45);
    --wrap: 1140px;
    --header-h: 68px;

    --sans: 'Plus Jakarta Sans', system-ui, -apple-system, 'Segoe UI', sans-serif;
}

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

html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; scroll-padding-top: calc(var(--header-h) + 12px); }

body {
    margin: 0;
    font-family: var(--sans);
    font-size: 16px;
    line-height: 1.65;
    color: var(--ink);
    background: var(--white);
    -webkit-font-smoothing: antialiased;
}

/* height:auto matters: the width/height attributes on the markup are a
   presentational hint, and a used height would beat every aspect-ratio below. */
img { max-width: 100%; display: block; height: auto; }
a { color: var(--maroon); text-decoration: none; }
a:hover { text-decoration: underline; }

h1, h2, h3, h4 { margin: 0 0 .5em; line-height: 1.2; letter-spacing: -.02em; font-weight: 800; }
p { margin: 0 0 1em; }

.wrap { width: 100%; max-width: var(--wrap); margin-inline: auto; padding-inline: 20px; }
.sr-only {
    position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px;
    overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; border: 0;
}

/* ----------------------------------------------------------- buttons ---- */
.btn {
    display: inline-flex; align-items: center; justify-content: center; gap: 8px;
    padding: 12px 22px; border-radius: 999px; border: 1px solid transparent;
    font-size: 15px; font-weight: 700; cursor: pointer; text-decoration: none;
    transition: transform .15s ease, box-shadow .15s ease, background .15s ease;
}
.btn:hover { text-decoration: none; transform: translateY(-1px); }
.btn svg { width: 18px; height: 18px; }
.btn-primary { background: var(--maroon); color: var(--white); box-shadow: 0 10px 24px -14px rgba(94, 11, 30, .9); }
.btn-primary:hover { background: var(--maroon-600); color: var(--white); }
.btn-line { background: var(--white); color: var(--maroon); border-color: var(--grey-150); }
.btn-line:hover { border-color: var(--maroon-400); color: var(--maroon-600); }
.btn-ghost { background: rgba(255, 255, 255, .14); color: var(--white); border-color: rgba(255, 255, 255, .35); }
.btn-ghost:hover { background: rgba(255, 255, 255, .22); color: var(--white); }
.btn-sm { padding: 9px 16px; font-size: 14px; }

/* ------------------------------------------------------------ header ---- */
.site-header {
    position: sticky; top: 0; z-index: 50;
    background: rgba(255, 255, 255, .92);
    backdrop-filter: saturate(180%) blur(10px);
    border-bottom: 1px solid var(--grey-150);
}
.site-header__bar { display: flex; align-items: center; gap: 18px; height: var(--header-h); }
.site-brand { display: inline-flex; align-items: center; gap: 10px; font-weight: 800; color: var(--ink); letter-spacing: -.02em; }
.site-brand:hover { text-decoration: none; }
.site-brand img { width: 38px; height: 38px; border-radius: 10px; object-fit: contain; background: var(--white); }
.site-brand small { display: block; font-size: 11.5px; font-weight: 600; color: var(--grey-500); letter-spacing: 0; }

.site-nav { display: flex; align-items: center; gap: 22px; margin-left: auto; }
.site-nav a { font-size: 14.5px; font-weight: 600; color: var(--ink-2); }
.site-nav a:hover { color: var(--maroon); text-decoration: none; }
/* `.site-nav a` beats `.btn-primary` on specificity, so the button says it again. */
.site-nav a.btn-primary, .site-nav a.btn-primary:hover { color: var(--white); }
.site-nav a.btn-line, .site-nav a.btn-line:hover { color: var(--maroon); }
.site-nav__cta { margin-left: 4px; }

.nav-toggle {
    display: none; margin-left: auto; padding: 8px; border: 1px solid var(--grey-150);
    border-radius: 10px; background: var(--white); color: var(--ink); cursor: pointer;
}

/* -------------------------------------------------------------- hero ---- */
.hero {
    position: relative; overflow: hidden; color: var(--white);
    background:
        radial-gradient(900px 420px at 88% -8%, rgba(201, 153, 46, .35), transparent 62%),
        linear-gradient(140deg, #4B0817 0%, var(--maroon) 46%, #7A1229 100%);
}
.hero__grid {
    display: grid; grid-template-columns: 1.05fr .95fr; gap: 48px; align-items: center;
    padding-block: 72px 84px;
}
.hero__eyebrow {
    display: inline-flex; align-items: center; gap: 8px; margin-bottom: 18px;
    padding: 6px 14px; border-radius: 999px; font-size: 13px; font-weight: 700;
    background: rgba(255, 255, 255, .14); border: 1px solid rgba(255, 255, 255, .28);
}
.hero__eyebrow i { width: 7px; height: 7px; border-radius: 50%; background: var(--gold-300); }
.hero h1 { font-size: clamp(32px, 5vw, 54px); margin-bottom: 18px; }
.hero h1 em { font-style: normal; color: var(--gold-300); }
.hero__lead { font-size: clamp(16px, 1.6vw, 19px); color: rgba(255, 255, 255, .88); max-width: 46ch; margin-bottom: 28px; }
.hero__actions { display: flex; flex-wrap: wrap; gap: 12px; }
.hero__art { position: relative; }
.hero__art img { width: 100%; aspect-ratio: 4 / 5; object-fit: cover; border-radius: 26px; box-shadow: var(--shadow-lg); }
.hero__badge {
    position: absolute; left: -18px; bottom: 26px; display: flex; align-items: center; gap: 12px;
    padding: 14px 18px; border-radius: 16px; background: var(--white); color: var(--ink);
    box-shadow: var(--shadow-lg); max-width: 260px;
}
.hero__badge strong { display: block; font-size: 15px; }
.hero__badge span { font-size: 12.5px; color: var(--grey-500); }
.hero__badge .dot { width: 10px; height: 10px; border-radius: 50%; background: #1B7F5A; flex: none; box-shadow: 0 0 0 4px rgba(27, 127, 90, .18); }

/* stat strip under the hero */
.stats { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1px; background: var(--grey-150); border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow); }
.stats__cell { background: var(--white); padding: 22px 18px; text-align: center; }
.stats__value { font-size: clamp(22px, 3vw, 30px); font-weight: 800; letter-spacing: -.03em; color: var(--maroon); }
.stats__label { font-size: 13px; font-weight: 600; color: var(--grey-500); }
.stats-shift { margin-top: -44px; position: relative; z-index: 2; }

/* ----------------------------------------------------------- section ---- */
.section { padding: 76px 0; }
.section--tint { background: var(--grey-25); border-block: 1px solid var(--grey-150); }
.section--canvas { background: var(--canvas); border-block: 1px solid var(--grey-150); }
.section__head { max-width: 680px; margin-bottom: 40px; }
.section__head--center { margin-inline: auto; text-align: center; }
.eyebrow {
    display: inline-block; margin-bottom: 12px; padding: 5px 12px; border-radius: 999px;
    font-size: 12.5px; font-weight: 700; letter-spacing: .04em; text-transform: uppercase;
    color: var(--maroon); background: var(--maroon-050); border: 1px solid var(--maroon-100);
}
.section h2 { font-size: clamp(26px, 3.4vw, 38px); }
.section__lead { font-size: 17px; color: var(--ink-2); margin-bottom: 0; }

/* ------------------------------------------------------------- cards ---- */
.grid { display: grid; gap: 20px; }
.grid--2 { grid-template-columns: repeat(2, 1fr); }
.grid--3 { grid-template-columns: repeat(3, 1fr); }
.grid--4 { grid-template-columns: repeat(4, 1fr); }

.card {
    background: var(--white); border: 1px solid var(--grey-150); border-radius: var(--radius);
    padding: 26px; box-shadow: var(--shadow); height: 100%;
}
.card h3 { font-size: 18px; margin-bottom: 8px; }
.card p:last-child { margin-bottom: 0; }
.card p { color: var(--ink-2); font-size: 15px; }
.card__icon {
    display: grid; place-items: center; width: 46px; height: 46px; margin-bottom: 16px;
    border-radius: 14px; background: var(--maroon-050); color: var(--maroon); border: 1px solid var(--maroon-100);
}
.card__icon svg { width: 22px; height: 22px; }
.card__step {
    display: grid; place-items: center; width: 38px; height: 38px; margin-bottom: 16px;
    border-radius: 50%; background: var(--maroon); color: var(--white); font-weight: 800; font-size: 15px;
}

/* category tiles */
.tile { position: relative; border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow); display: block; }
.tile img { width: 100%; aspect-ratio: 3 / 4; object-fit: cover; transition: transform .4s ease; }
.tile:hover img { transform: scale(1.04); }
.tile figcaption {
    position: absolute; inset: auto 0 0 0; padding: 44px 18px 18px; color: var(--white);
    font-weight: 700; font-size: 18px; line-height: 1.3;
    background: linear-gradient(to top, rgba(36, 16, 23, .88), transparent);
}
.tile figcaption span { display: block; margin-top: 3px; font-size: 13px; font-weight: 600; opacity: .85; line-height: 1.45; }

.chips { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 24px; }
.chip {
    padding: 8px 16px; border-radius: 999px; font-size: 14px; font-weight: 600;
    background: var(--white); border: 1px solid var(--grey-150); color: var(--ink-2);
}

/* split: image beside copy */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 52px; align-items: center; }
.split--flip .split__art { order: 2; }
.split__art img { width: 100%; aspect-ratio: 5 / 4; object-fit: cover; border-radius: var(--radius); box-shadow: var(--shadow-lg); }
.ticks { list-style: none; margin: 0 0 28px; padding: 0; display: grid; gap: 14px; }
.ticks li { position: relative; padding-left: 34px; color: var(--ink-2); }
.ticks li strong { color: var(--ink); }
.ticks li::before {
    content: ''; position: absolute; left: 0; top: 3px; width: 22px; height: 22px; border-radius: 50%;
    background: var(--maroon-050) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%235E0B1E' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='m5 13 4 4L19 7'/%3E%3C/svg%3E") center / 13px no-repeat;
    border: 1px solid var(--maroon-100);
}

/* contact */
.contact-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.contact-card { display: flex; align-items: center; gap: 14px; padding: 20px 22px; background: var(--white); border: 1px solid var(--grey-150); border-radius: var(--radius); box-shadow: var(--shadow); }
.contact-card:hover { text-decoration: none; border-color: var(--maroon-400); }
/*
| The icon tile is a <span>, and `.contact-card span` below is more specific
| than this class on its own - it was winning on both `display` (block, which
| dropped the icon in the top corner) and `colour` (grey). Everything that it
| would override is written on the compound selector instead.
*/
.contact-card span.contact-card__icon {
    display: flex; align-items: center; justify-content: center;
    width: 46px; height: 46px; border-radius: 14px; flex: none;
    background: var(--maroon-050); color: var(--maroon); border: 1px solid var(--maroon-100);
    font-size: 0; line-height: 0;
}
.contact-card__icon svg { width: 22px; height: 22px; display: block; }
.contact-card span { display: block; font-size: 12.5px; color: var(--grey-500); font-weight: 600; }
.contact-card strong { font-size: 16px; color: var(--ink); word-break: break-word; }

/* The registered office sits under the three contact cards. */
.office {
    margin-top: 20px; padding: 22px 24px; background: var(--white); border: 1px solid var(--grey-150);
    border-radius: var(--radius); box-shadow: var(--shadow); display: flex; flex-wrap: wrap; gap: 18px;
    align-items: flex-start; justify-content: space-between;
}
.office h3 { font-size: 16px; margin-bottom: 4px; }
.office address { font-style: normal; margin: 0; color: var(--ink-2); font-size: 15px; line-height: 1.7; }
.office__ids { margin: 10px 0 0; display: flex; flex-wrap: wrap; gap: 6px 18px; font-size: 13.5px; color: var(--grey-500); }
.office__mark img { width: 180px; height: auto; display: block; }

/* ------------------------------------------------------------ footer ---- */
.site-footer { background: #2A0A13; color: rgba(255, 255, 255, .72); padding: 56px 0 28px; }
.site-footer a { color: rgba(255, 255, 255, .78); font-size: 14.5px; }
.site-footer a:hover { color: var(--white); text-decoration: none; }
.footer__grid { display: grid; grid-template-columns: 1.6fr 1fr 1fr 1fr; gap: 36px; }
.footer__brand img { width: 44px; height: 44px; border-radius: 12px; background: var(--white); padding: 4px; object-fit: contain; }
.footer__brand p { margin: 14px 0 0; font-size: 14.5px; max-width: 34ch; }
.footer h4 { color: var(--white); font-size: 13px; text-transform: uppercase; letter-spacing: .06em; margin-bottom: 14px; }
.footer ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 10px; }
/* Who SEFA legally is - the block a gateway or a bank checks for. */
.footer__legal {
    display: flex; flex-wrap: wrap; gap: 20px; align-items: flex-start;
    margin-top: 40px; padding-top: 26px; border-top: 1px solid rgba(255, 255, 255, .14);
    font-size: 14px; line-height: 1.7;
}
.footer__legal strong { display: block; color: var(--white); font-size: 15px; }
.footer__legal address { font-style: normal; margin: 6px 0 0; }
.footer__legal-label {
    display: block; font-size: 11.5px; letter-spacing: .06em; text-transform: uppercase;
    color: rgba(255, 255, 255, .5); margin-bottom: 2px;
}
.footer__legal-mark {
    background: var(--white); border-radius: 12px; padding: 10px 14px; flex: none;
}
.footer__legal-mark img { width: 190px; height: auto; display: block; }
.footer__legal-ids { margin: 8px 0 0; display: flex; flex-wrap: wrap; gap: 6px 18px; font-size: 13.5px; }

.footer__bottom {
    display: flex; flex-wrap: wrap; gap: 12px; justify-content: space-between; align-items: center;
    margin-top: 28px; padding-top: 22px; border-top: 1px solid rgba(255, 255, 255, .14); font-size: 13.5px;
}

/* ================================================= legal pages =========== */
.policy-hero { background: var(--maroon); color: var(--white); padding: 46px 0 40px; }
.policy-hero h1 { font-size: clamp(26px, 4vw, 38px); margin-bottom: 10px; }
.policy-hero p { color: rgba(255, 255, 255, .86); max-width: 62ch; margin: 0; }
.policy-hero__meta { margin-top: 18px; font-size: 13px; color: rgba(255, 255, 255, .7); }
.crumbs { font-size: 13.5px; margin-bottom: 14px; color: rgba(255, 255, 255, .72); }
.crumbs a { color: rgba(255, 255, 255, .9); }

.policy-layout { display: grid; grid-template-columns: 250px 1fr; gap: 44px; padding-block: 48px 72px; align-items: start; }
.policy-side { position: sticky; top: calc(var(--header-h) + 20px); }
.policy-side h4 { font-size: 12.5px; text-transform: uppercase; letter-spacing: .06em; color: var(--grey-500); margin-bottom: 12px; }
.policy-side ul { list-style: none; margin: 0 0 24px; padding: 0; display: grid; gap: 4px; }
.policy-side a { display: block; padding: 9px 12px; border-radius: 10px; font-size: 14.5px; font-weight: 600; color: var(--ink-2); }
.policy-side a:hover { background: var(--grey-100); text-decoration: none; }
.policy-side a.active { background: var(--maroon-050); color: var(--maroon); }

.prose { font-size: 16.5px; color: var(--ink-2); max-width: 74ch; }
.prose h2 { font-size: 22px; margin: 2em 0 .6em; color: var(--ink); }
.prose h2:first-child { margin-top: 0; }
.prose h3 { font-size: 18px; margin: 1.6em 0 .5em; color: var(--ink); }
.prose p, .prose li { line-height: 1.75; }
.prose strong { color: var(--ink); }
.prose ul, .prose ol { padding-left: 22px; margin: 0 0 1.2em; display: grid; gap: 8px; }
.prose blockquote {
    margin: 1.5em 0; padding: 14px 20px; border-left: 3px solid var(--gold);
    background: var(--gold-050); border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
}
.prose a { text-decoration: underline; }

.support-box {
    margin-top: 44px; padding: 24px 26px; border: 1px solid var(--grey-150);
    border-radius: var(--radius); background: var(--grey-25);
}
.support-box h3 { font-size: 17px; margin-bottom: 6px; }
.support-box p { font-size: 14.5px; color: var(--ink-2); }
.support-box ul { list-style: none; margin: 0; padding: 0; display: flex; flex-wrap: wrap; gap: 10px; }

.policy-list { display: grid; gap: 16px; }
.policy-list a { display: block; padding: 22px 24px; border: 1px solid var(--grey-150); border-radius: var(--radius); background: var(--white); box-shadow: var(--shadow); }
.policy-list a:hover { border-color: var(--maroon-400); text-decoration: none; }
.policy-list strong { display: block; font-size: 17px; color: var(--ink); }
.policy-list span { font-size: 14.5px; color: var(--ink-2); }
.badge-audience {
    display: inline-block; margin-left: 8px; padding: 2px 10px; border-radius: 999px; font-size: 11.5px;
    font-weight: 700; text-transform: uppercase; letter-spacing: .04em;
    background: var(--maroon-050); color: var(--maroon); border: 1px solid var(--maroon-100); vertical-align: middle;
}

/* -------------------------------------------------------- responsive ---- */
@media (max-width: 1024px) {
    .hero__grid { gap: 32px; padding-block: 56px 68px; }
    .grid--4 { grid-template-columns: repeat(2, 1fr); }
    .split { gap: 32px; }
    .footer__grid { grid-template-columns: 1fr 1fr; gap: 28px; }
    .policy-layout { grid-template-columns: 220px 1fr; gap: 32px; }
}

@media (max-width: 860px) {
    .site-nav {
        position: absolute; left: 0; right: 0; top: var(--header-h); display: none;
        flex-direction: column; align-items: stretch; gap: 0; padding: 10px 20px 18px;
        background: var(--white); border-bottom: 1px solid var(--grey-150); box-shadow: var(--shadow);
    }
    .site-nav.open { display: flex; }
    .site-nav a { padding: 12px 4px; border-bottom: 1px solid var(--grey-100); font-size: 16px; }
    .site-nav__cta { margin: 14px 0 0; }
    .nav-toggle { display: inline-flex; }

    .hero__grid { grid-template-columns: 1fr; }
    .hero__art { order: -1; }
    .hero__art img { aspect-ratio: 16 / 11; }
    .tile img { aspect-ratio: 4 / 3; }
    .hero__badge { left: 12px; bottom: 12px; }
    .stats { grid-template-columns: repeat(2, 1fr); }
    .stats-shift { margin-top: -32px; }

    .section { padding: 56px 0; }
    .grid--2, .grid--3 { grid-template-columns: 1fr; }
    .split, .contact-grid { grid-template-columns: 1fr; }
    .split--flip .split__art { order: -1; }

    .policy-layout { grid-template-columns: 1fr; padding-block: 32px 56px; }
    .policy-side { position: static; order: 2; }
    .prose { max-width: none; }
}

@media (max-width: 520px) {
    .wrap { padding-inline: 16px; }
    .btn { padding: 11px 18px; }
    .hero__actions .btn { flex: 1 1 100%; }
    .grid--4 { grid-template-columns: 1fr; }
    .card { padding: 22px; }
    .footer__grid { grid-template-columns: 1fr; }
    .footer__legal { gap: 16px; }
    .office { flex-direction: column; }
    .footer__bottom { flex-direction: column; align-items: flex-start; }
}

@media (prefers-reduced-motion: reduce) {
    html { scroll-behavior: auto; }
    .btn, .tile img { transition: none; }
}

@media print {
    .site-header, .site-footer, .policy-side, .support-box, .nav-toggle { display: none !important; }
    .policy-hero { background: none; color: #000; padding: 0 0 18px; }
    .policy-hero p, .policy-hero__meta, .crumbs { color: #444; }
    .policy-layout { display: block; padding-block: 0; }
    body { font-size: 12pt; }
}