@import url('https://fonts.googleapis.com/css2?family=Manrope:wght@400;500;600;700;800&family=Noto+Sans+Sinhala:wght@400;500;700;800&display=swap');

/* ═══════════════════════════════════════
   DESIGN TOKENS
═══════════════════════════════════════ */
:root {
    --bg:           #f4ede4;
    --bg-soft:      #fbf6ef;
    --panel:        rgba(255, 251, 246, 0.90);
    --panel-strong: #fffaf3;
    --ink:          #231815;
    --muted:        #6e6058;
    --accent:       #b04a2f;
    --accent-deep:  #7a2917;
    --accent-soft:  #f2d8c7;
    --gold:         #c7922d;
    --gold-soft:    #fdf3e0;
    --line:         rgba(170, 131, 102, 0.24);
    --good:         #276347;
    --bad:          #8a1c1c;
    --shadow:       0 22px 60px rgba(76, 43, 28, 0.12);
    --shadow-sm:    0 4px 18px rgba(76, 43, 28, 0.09);
    --r-lg:         28px;
    --r-md:         18px;
    --r-sm:         12px;
    --verification-action-width: 248px;
    --font-h: "Manrope", "Noto Sans Sinhala", "Segoe UI", sans-serif;
    --font-b: "Manrope", "Noto Sans Sinhala", "Segoe UI", sans-serif;
}

/* ═══════════════════════════════════════
   RESET
═══════════════════════════════════════ */
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
    margin: 0;
    font-family: var(--font-b);
    font-size: clamp(0.97rem, 1.5vw, 1.05rem);
    color: var(--ink);
    line-height: 1.65;
    background:
        radial-gradient(circle at top left,  rgba(176,74,47,.18), transparent 24%),
        radial-gradient(circle at top right, rgba(199,146,45,.12), transparent 26%),
        linear-gradient(180deg, #fbf6ef 0%, var(--bg) 52%, #efe6da 100%);
    min-height: 100dvh;
}
body::before {
    content: ""; position: fixed; inset: 0; pointer-events: none;
    background-image:
        linear-gradient(rgba(255,255,255,.07) 1px, transparent 1px),
        linear-gradient(90deg, rgba(255,255,255,.07) 1px, transparent 1px);
    background-size: 32px 32px;
    mask-image: radial-gradient(circle at center, black 40%, transparent 85%);
}
img   { max-width: 100%; height: auto; display: block; }
h1,h2,h3,h4 {
    font-family: var(--font-h);
    letter-spacing: -.02em;
    margin: 0 0 .5em;
    line-height: 1.08;
}
p  { margin: 0 0 1em; }
p:last-child { margin-bottom: 0; }
a  { color: var(--accent-deep); }
ul, ol { margin: 0; padding: 0; list-style: none; }

/* ═══════════════════════════════════════
   LAYOUT
═══════════════════════════════════════ */
.container {
    position: relative;
    width: min(1180px, calc(100% - 32px));
    margin: 0 auto 56px;
}

/* ═══════════════════════════════════════
   TOPBAR
═══════════════════════════════════════ */
.topbar {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 20px 0 12px;
    gap: 12px;
}
.topbar-right {
    display: flex;
    align-items: center;
    gap: 10px;
}
.inline-form { margin: 0; }
.brand {
    display: inline-flex;
    align-items: center;
    gap: 12px;
    font-family: var(--font-h);
    font-size: clamp(1.8rem, 2.8vw, 2.6rem);
    font-weight: 700;
    text-decoration: none;
    color: var(--accent-deep);
    letter-spacing: -.02em;
}
.brand-mark {
    width: clamp(44px, 6vw, 60px);
    height: clamp(44px, 6vw, 60px);
    object-fit: contain;
    flex-shrink: 0;
}
.brand-text {
    display: inline-block;
}
.nav-cta {
    font-size: .88rem !important;
    padding: 9px 18px !important;
    border-radius: 999px !important;
    min-width: auto !important;
    white-space: nowrap;
}
.lang-switch {
    display: inline-flex;
    gap: 4px;
    padding: 5px;
    border: 1px solid var(--line);
    border-radius: 999px;
    background: rgba(255,251,246,.72);
    backdrop-filter: blur(14px);
}
.lang-switch a {
    padding: 7px 12px;
    border-radius: 999px;
    text-decoration: none;
    font-weight: 600;
    font-size: .88rem;
    color: var(--muted);
    transition: background .15s, color .15s;
}
.lang-switch a:hover,
.lang-switch a[aria-current="true"] {
    background: rgba(176,74,47,.12);
    color: var(--accent-deep);
}

/* ═══════════════════════════════════════
   PANELS
═══════════════════════════════════════ */
.panel, .home-hero {
    background: var(--panel);
    border: 1px solid rgba(255,255,255,.48);
    border-radius: var(--r-lg);
    box-shadow: var(--shadow);
    backdrop-filter: blur(16px);
}
.panel {
    padding: clamp(20px, 3.5vw, 36px);
    margin-bottom: 24px;
    position: relative;
}

/* ═══════════════════════════════════════
   HERO
═══════════════════════════════════════ */
.home-hero {
    display: flex;
    flex-direction: column;
    gap: 40px;
    padding: clamp(30px, 5vw, 48px);
    margin: 24px 0 32px;
    overflow: hidden;
    background: linear-gradient(135deg, var(--panel) 0%, rgba(255, 252, 248, 0.95) 100%);
    position: relative;
    border-radius: var(--r-lg);
}
.home-hero::before {
    content: "";
    position: absolute;
    width: 600px;
    height: 600px;
    left: -150px;
    top: -200px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(176,74,47,0.04), transparent 70%);
    pointer-events: none;
}
.home-hero::after {
    content: "";
    position: absolute;
    width: 480px; height: 480px;
    right: -120px; bottom: -120px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(212,175,55,0.06), transparent 68%);
    pointer-events: none;
}
.hero-left,
.hero-right,
.hero-highlights { position: relative; z-index: 2; }
.hero-left {
    display: flex;
    flex-direction: column;
    align-items: center;
    text-align: center;
    justify-content: center;
    gap: 20px;
    width: 100%;
}
.hero-right {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(140px, 1fr));
    gap: 12px;
    margin: 0;
    width: 100%;
}
.hero-right .stat {
    border-radius: 12px;
    padding: 16px 14px;
    background: rgba(255, 255, 255, 0.7);
    box-shadow: 0 4px 16px -4px rgba(176,74,47,.08), inset 0 0 0 1px rgba(255,255,255,0.8);
    border: 1px solid rgba(176,74,47,.05);
    min-height: 0;
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    text-align: center;
    backdrop-filter: blur(8px);
    transition: transform 0.2s, background-color 0.2s;
}
.hero-right .stat:hover {
    transform: translateY(-2px);
    background: rgba(255, 255, 255, 0.95);
}
.hero-right .stat strong {
    font-size: 1.25rem;
    font-weight: 800;
    margin-bottom: 4px;
    color: var(--accent);
}
.hero-right .stat span {
    font-size: 0.75rem;
    line-height: 1.25;
    opacity: 0.8;
}
.kendara-hl {
    color: var(--accent);
    font-weight: 800;
}

.hero-kicker, .eyebrow {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    text-transform: uppercase;
    letter-spacing: .12em;
    font-size: .75rem;
    font-weight: 800;
    color: var(--accent-deep);
    margin-bottom: 14px;
}
.hero-kicker::before, .eyebrow::before {
    content: "";
    width: 22px; height: 1px;
    background: currentColor;
    flex-shrink: 0;
}
.home-hero h1 {
    font-size: clamp(1.85rem, 3vw, 2.9rem);
    line-height: 1.08;
    max-width: 100%;
    margin: 0;
}
.hero-lead {
    font-size: clamp(.92rem, 1.3vw, 1.04rem);
    line-height: 1.7;
    margin: 0;
    color: var(--muted);
    max-width: 800px;
}
.hero-highlights {
    list-style: none;
    display: flex;
    flex-wrap: wrap;
    justify-content: center;
    gap: 10px;
    margin: 0;
    padding: 0;
}
.hero-highlights li {
    display: inline-flex;
    align-items: center;
    gap: 7px;
    padding: 8px 14px;
    border-radius: 999px;
    background: rgba(255, 250, 245, 0.92);
    border: 1px solid rgba(176,74,47,.14);
    color: var(--text);
    font-size: .87rem;
    font-weight: 700;
    line-height: 1.3;
}
.hero-highlights li::before {
    content: "";
    width: 8px;
    height: 8px;
    border-radius: 50%;
    flex-shrink: 0;
    background: linear-gradient(180deg, var(--accent), var(--accent-deep));
    box-shadow: 0 0 0 4px rgba(176,74,47,.08);
}
.hero-actions {
    display: flex;
    flex-wrap: wrap;
    justify-content: center;
    gap: 12px;
}
.hero-note {
    margin: -2px 0 2px;
    color: var(--accent-deep);
    font-size: .92rem;
    font-weight: 700;
    line-height: 1.5;
}

/* ═══════════════════════════════════════
   STATS
═══════════════════════════════════════ */
.stats { display: grid; grid-template-columns: repeat(2,1fr); gap: 12px; }
.stat {
    background: var(--panel-strong);
    border: 1px solid var(--line);
    border-radius: var(--r-md);
    padding: 16px;
    display: flex;
    flex-direction: column;
    gap: 5px;
}
.stat strong {
    font-family: var(--font-h);
    font-size: clamp(1.5rem, 2.6vw, 2.1rem);
    font-weight: 700;
    line-height: 1;
}
.stat span { color: var(--muted); font-size: .88rem; line-height: 1.4; }
.stat-accent {
    background: linear-gradient(145deg, rgba(176,74,47,.12), rgba(255,251,246,.95));
    border-color: rgba(176,74,47,.22);
}
.stat-gold {
    background: linear-gradient(145deg, rgba(199,146,45,.1), var(--gold-soft));
    border-color: rgba(199,146,45,.22);
}

/* ═══════════════════════════════════════
   GRIDS
═══════════════════════════════════════ */
.grid, .info-grid, .questionnaire-grid { display: grid; gap: 16px; }
.grid.two               { grid-template-columns: repeat(2, minmax(0,1fr)); }
.grid.three, .info-grid { grid-template-columns: repeat(3, minmax(0,1fr)); }
.questionnaire-grid     { grid-template-columns: repeat(3, minmax(0,1fr)); }
.trust-grid             { display: grid; gap: 16px; grid-template-columns: repeat(3, minmax(0,1fr)); }
.col-span-2 { grid-column: span 2; }

/* ═══════════════════════════════════════
   CARDS (generic)
═══════════════════════════════════════ */
.card, .highlight-card, .empty-state {
    background: var(--panel-strong);
    border: 1px solid var(--line);
    border-radius: var(--r-md);
    padding: 18px;
}
.empty-state { padding: 28px; }

/* ═══════════════════════════════════════
   TRUST CARDS
═══════════════════════════════════════ */
.trust-card {
    background: var(--panel-strong);
    border: 1px solid var(--line);
    border-radius: var(--r-md);
    padding: 22px;
    transition: transform .2s, box-shadow .2s;
}
.trust-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-sm); }
.trust-icon { font-size: 1.8rem; display: block; margin-bottom: 10px; line-height: 1; }
.trust-card h3 { font-size: 1.12rem; margin-bottom: .3em; }
.trust-card p  { font-size: .9rem; color: var(--muted); margin: 0; }

/* ═══════════════════════════════════════
   STEPS LIST
═══════════════════════════════════════ */
.steps-list { display: grid; grid-template-columns: repeat(4,1fr); gap: 18px; }
.step-item {
    display: flex; flex-direction: column; gap: 10px;
    padding: 22px 18px;
    background: var(--panel-strong);
    border: 1px solid var(--line);
    border-radius: var(--r-md);
}
.step-num {
    font-family: var(--font-h);
    font-size: 2.8rem;
    font-weight: 700;
    line-height: 1;
    color: rgba(176,74,47,.18);
    display: block;
}
.step-item h3 { font-size: 1.07rem; margin-bottom: .2em; }
.step-item p  { font-size: .88rem; color: var(--muted); margin: 0; }

/* ═══════════════════════════════════════
   CTA BAND
═══════════════════════════════════════ */
.cta-band {
    background: linear-gradient(135deg, var(--accent-deep) 0%, #a0391f 100%);
    border-radius: var(--r-lg);
    padding: clamp(30px,5vw,52px) clamp(22px,5vw,56px);
    margin-bottom: 24px;
    text-align: center;
    box-shadow: 0 24px 64px rgba(122,41,23,.28);
}
.cta-band h2 { font-size: clamp(1.7rem, 3.4vw, 2.9rem); color: #fff; margin-bottom: .4em; }
.cta-band p  { color: rgba(255,247,240,.82); font-size: 1rem; margin-bottom: 26px; }
.cta-band-btn {
    background: #fff7f0;
    color: var(--accent-deep);
    font-weight: 800;
    padding: 15px 36px;
    font-size: 1.02rem;
    border-radius: 999px;
    box-shadow: 0 8px 28px rgba(0,0,0,.18);
    transition: transform .15s, box-shadow .15s;
}
.cta-band-btn:hover { transform: translateY(-2px); box-shadow: 0 12px 36px rgba(0,0,0,.22); }

/* ═══════════════════════════════════════
   FAQ
═══════════════════════════════════════ */
.faq-list { display: flex; flex-direction: column; gap: 12px; }
.faq-item {
    background: var(--panel-strong);
    border: 1px solid var(--line);
    border-radius: var(--r-md);
    padding: 18px 22px;
}
.faq-item dt {
    font-weight: 700;
    font-size: .98rem;
    margin-bottom: .35em;
    color: var(--accent-deep);
}
.faq-item dd { margin: 0; color: var(--muted); font-size: .92rem; line-height: 1.65; }

/* ═══════════════════════════════════════
   SECTION HEADINGS
═══════════════════════════════════════ */
.section-heading {
    display: flex;
    justify-content: space-between;
    align-items: flex-end;
    gap: 14px;
    margin-bottom: 20px;
    flex-wrap: wrap;
}
.section-heading h2 { font-size: clamp(1.8rem, 3vw, 2.7rem); margin-bottom: 0; }
.section-heading p  { max-width: 58ch; margin: 0; color: var(--muted); }

/* ═══════════════════════════════════════
   FOOTER
═══════════════════════════════════════ */
.site-footer {
    text-align: center;
    padding: 24px 0 6px;
    color: var(--muted);
    font-size: .86rem;
}
.global-footer-meta {
    display: grid;
    gap: 10px;
    justify-items: center;
    padding: 4px 0 14px;
}
.global-footer-support {
    display: inline-flex;
    flex-wrap: wrap;
    justify-content: center;
    align-items: center;
    gap: 8px;
    color: var(--muted);
    font-size: .9rem;
}
.global-footer-support strong {
    color: var(--text);
    font-size: .92rem;
}
.global-footer-support a {
    color: var(--accent-deep);
    font-weight: 700;
    text-decoration: none;
}
.global-footer-links {
    display: flex;
    justify-content: center;
    align-items: center;
    gap: 10px;
    color: var(--muted);
    font-size: .88rem;
}
.global-footer-links a {
    text-decoration: none;
    color: var(--accent-deep);
    font-weight: 700;
}
.global-footer-separator {
    color: rgba(110, 96, 88, 0.55);
}

/* ═══════════════════════════════════════
   UTILITIES
═══════════════════════════════════════ */
.muted { color: var(--muted); }
.small { font-size: .88rem; }
.pill {
    display: inline-flex; align-items: center; gap: 6px;
    padding: 5px 10px; border-radius: 999px;
    background: rgba(176,74,47,.1); color: var(--accent-deep);
    font-size: .82rem; font-weight: 700;
    border: 1px solid rgba(176,74,47,.14);
}
.soft-pill { background: rgba(122,41,23,.06); }
.profile-card-top {
    display: flex; justify-content: space-between;
    align-items: flex-start; gap: 12px; margin-bottom: 12px;
}

/* ═══════════════════════════════════════
   BUTTONS
═══════════════════════════════════════ */
button, .button {
    display: inline-flex;
    justify-content: center;
    align-items: center;
    gap: 8px;
    background: linear-gradient(180deg, var(--accent) 0%, var(--accent-deep) 100%);
    color: #fff7f2;
    border: 0;
    border-radius: var(--r-sm);
    cursor: pointer;
    text-decoration: none;
    text-align: center;
    padding: 13px 22px;
    font: inherit;
    font-weight: 700;
    font-size: .98rem;
    box-shadow: 0 8px 20px rgba(122,41,23,.18);
    transition: transform .13s, box-shadow .13s;
    white-space: nowrap;
    width: auto;
}
button:hover, .button:hover { transform: translateY(-1px); box-shadow: 0 12px 28px rgba(122,41,23,.24); }
button:active, .button:active { transform: none; box-shadow: none; }
.button.secondary {
    background: transparent;
    color: var(--accent-deep);
    border: 1.5px solid rgba(176,74,47,.3);
    box-shadow: none;
}
.button.secondary:hover { background: rgba(176,74,47,.06); }
.google-auth-btn {
    background: #fffdfa;
    color: var(--ink);
    border: 1.5px solid rgba(35,24,21,.12);
    box-shadow: none;
}
.google-auth-btn:hover { background: #fff4eb; }

.actions      { display: flex; gap: 12px; flex-wrap: wrap; }
.actions-right { justify-content: flex-end; }

/* ═══════════════════════════════════════
   FORM ELEMENTS
═══════════════════════════════════════ */
label {
    display: block;
    font-size: .92rem;
    font-weight: 700;
    margin-bottom: 6px;
    line-height: 1.5;
}
input, select, textarea {
    width: 100%;
    border-radius: var(--r-sm);
    border: 1.5px solid #d9c4af;
    padding: 13px 15px;
    font: inherit;
    font-size: .97rem;
    background: #fffdfa;
    color: var(--ink);
    transition: border-color .14s;
    -webkit-appearance: none;
    appearance: none;
}
input:focus, select:focus, textarea:focus {
    outline: 3px solid rgba(176,74,47,.18);
    outline-offset: 0;
    border-color: rgba(176,74,47,.45);
}
textarea { min-height: 110px; resize: vertical; }

fieldset {
    border: 1.5px solid var(--line);
    border-radius: var(--r-md);
    padding: 22px 22px 18px;
    margin: 0 0 22px;
    background: rgba(255,255,255,.42);
}
legend {
    font-family: var(--font-h);
    font-size: 1.32rem;
    color: var(--accent-deep);
    padding: 0 10px;
    font-weight: 700;
}
.field-help {
    margin: 6px 0 0;
    color: var(--muted);
    font-size: .86rem;
    line-height: 1.55;
}
.error { color: var(--bad); font-size: .88rem; margin-top: 5px; }

.notice {
    border-radius: var(--r-md);
    padding: 13px 16px;
    margin-bottom: 16px;
    border: 1px solid var(--line);
    font-size: .94rem;
}
.panel-header + .notice,
header + .notice {
    margin-top: 18px;
}
.notice.error-box {
    background: #fff1f0;
    border-color: rgba(138,28,28,.22);
    color: var(--bad);
}
.notice.success { background: #e9f7ee; border-color: rgba(39,99,71,.22); }
.strong-notice {
    background: linear-gradient(180deg, rgba(176,74,47,.08), rgba(255,250,243,.96));
}
.registration-intro { margin-bottom: 18px; }
.auth-panel {
    max-width: 560px;
    margin-left: auto;
    margin-right: auto;
}
.auth-form {
    display: grid;
    gap: 12px;
}
.auth-inline-links {
    margin-top: 12px;
    color: var(--muted);
}
.auth-inline-links a {
    font-weight: 700;
}
.wizard-steps {
    display: flex;
    flex-wrap: wrap;
    gap: 12px;
    margin: 18px 0;
}
.wizard-step {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    padding: 10px 14px;
    border: 1px solid var(--line);
    border-radius: 999px;
    background: rgba(255, 251, 246, 0.78);
    color: var(--muted);
    font-size: .92rem;
    font-weight: 700;
}
.wizard-step.active {
    background: rgba(176, 74, 47, 0.12);
    color: var(--accent-deep);
    border-color: rgba(176, 74, 47, 0.22);
}
.wizard-step.done {
    background: rgba(39, 99, 71, 0.10);
    color: var(--good);
    border-color: rgba(39, 99, 71, 0.20);
}
.wizard-step-number {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 28px;
    height: 28px;
    border-radius: 999px;
    background: rgba(122, 41, 23, 0.12);
    color: inherit;
    font-size: .82rem;
}
.grid.account-grid {
    grid-template-columns: repeat(3, minmax(0, 1fr));
}
.verification-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
    align-items: start;
}
.verification-field {
    display: grid;
    gap: 8px;
}
.verification-field > label {
    display: block;
    min-height: 1.6rem;
}
.verification-help {
    margin-top: 10px;
}

/* ═══════════════════════════════════════
   PHONE + OTP COMBINED ROW
═══════════════════════════════════════ */
.phone-otp-group { grid-column: span 2; }
.verification-control-row {
    display: grid;
    grid-template-columns: minmax(0, 1fr) var(--verification-action-width);
    align-items: stretch;
    gap: 0;
}
.verification-control-row input:first-child {
    border-radius: var(--r-sm) 0 0 var(--r-sm);
    border-right: 0;
    min-width: 0;
}
.verification-action-btn {
    align-self: stretch;
    min-height: 54px;
    line-height: 1.2;
    box-shadow: none !important;
    transform: none !important;
}
.verification-action-btn:hover,
.verification-action-btn:active {
    box-shadow: none !important;
    transform: none !important;
}
.otp-send-btn {
    border-radius: 0 var(--r-sm) var(--r-sm) 0;
    padding: 13px 16px;
    font-size: .85rem;
    width: 100%;
}
.otp-validate-btn {
    border-radius: 0 var(--r-sm) var(--r-sm) 0;
    padding: 13px 16px;
    min-width: 0;
    width: 100%;
}
.wizard-actions-row {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 12px;
    flex-wrap: wrap;
}
.questionnaire-intro {
    margin-bottom: 1.5rem;
}
.wizard-questions-list {
    display: grid;
    gap: 16px;
}
.wizard-question-item {
    padding: 18px;
    border: 1px dashed var(--line);
    border-radius: var(--r-md);
    background: rgba(255, 251, 246, 0.76);
}
.wizard-question-item.question-unanswered {
    border-color: var(--bad);
    border-style: solid;
    background: #fff1f0;
}
.wizard-question-item.question-unanswered .select-unanswered {
    border-color: var(--bad);
}
.wizard-question-label {
    display: block;
    font-weight: 700;
    margin-bottom: 0.75rem;
}
.wizard-question-select {
    width: 100%;
    max-width: 540px;
}

/* ═══════════════════════════════════════
   QUESTIONNAIRE
═══════════════════════════════════════ */
.question-card { padding: 16px; }
.question-number {
    display: block;
    margin-bottom: 5px;
    color: var(--accent-deep);
    font-size: .76rem;
    font-weight: 800;
    letter-spacing: .05em;
    text-transform: uppercase;
}

/* ═══════════════════════════════════════
   INFO CARDS
═══════════════════════════════════════ */
.info-card h3, .profile-card h3 { font-size: 1.38rem; margin-bottom: 8px; }
.legal-panel {
    max-width: 860px;
}
.legal-copy {
    display: grid;
    gap: 16px;
}
.legal-copy h2 {
    font-size: 1.2rem;
    margin-bottom: 0;
}
.operation-card {
    background: linear-gradient(180deg, rgba(176,74,47,.08), rgba(255,250,243,.96));
}

/* ═══════════════════════════════════════
   RESPONSIVE - TABLET ≤980px
═══════════════════════════════════════ */
@media (max-width: 980px) {
    .home-hero   { display: flex; flex-direction: column; }
    .home-hero h1 { max-width: none; }
    .stats-featured { grid-template-columns: repeat(2, minmax(0, 1fr)); }
    .steps-list  { grid-template-columns: repeat(2,1fr); }
    .trust-grid  { grid-template-columns: repeat(2,1fr); }
    .grid.account-grid { grid-template-columns: repeat(2, minmax(0,1fr)); }
    .verification-grid { grid-template-columns: 1fr; }
    .grid.three,
    .info-grid,
    .questionnaire-grid { grid-template-columns: repeat(2, minmax(0,1fr)); }
    .section-heading { flex-direction: column; align-items: flex-start; }
}

/* ═══════════════════════════════════════
   RESPONSIVE - MOBILE ≤640px
═══════════════════════════════════════ */
@media (max-width: 640px) {
    .container { width: calc(100% - 20px); margin-bottom: 32px; }

    .topbar { flex-wrap: wrap; padding: 12px 0 8px; gap: 8px; }
    .topbar-right { width: 100%; justify-content: space-between; }
    .brand { width: 100%; justify-content: center; }
    .nav-cta { flex: 1; text-align: center; }
    .inline-form { flex: 1; }
    .inline-form .nav-cta { width: 100%; }

    .home-hero { padding: 18px; margin: 8px 0 16px; gap: 18px; }
    .home-hero h1 { font-size: clamp(1.75rem, 6.5vw, 2.4rem); }
    .hero-lead  { font-size: .94rem; }
    .hero-right  { grid-template-columns: repeat(2, 1fr); gap: 12px; }
    .hero-highlights { gap: 7px; }
    .hero-highlights li {
        padding: 8px 12px;
        font-size: .84rem;
    }
    .hero-actions { flex-direction: column; }
    .hero-actions .button { width: 100%; }

    .stats { grid-template-columns: repeat(2,1fr); gap: 8px; }

    .steps-list { grid-template-columns: 1fr; }
    .trust-grid { grid-template-columns: 1fr; }
    .grid.two,
    .grid.three,
    .grid.account-grid,
    .info-grid,
    .questionnaire-grid { grid-template-columns: 1fr; }

    .col-span-2     { grid-column: span 1; }
    .phone-otp-group { grid-column: span 1; }

    /* stack phone row vertically on small screens */
    .verification-control-row { grid-template-columns: 1fr; }
    .verification-control-row input:first-child {
        border-radius: var(--r-sm) var(--r-sm) 0 0;
        border-right: 1.5px solid #d9c4af;
        border-bottom: 0;
    }
    .otp-send-btn { border-radius: 0 0 var(--r-sm) var(--r-sm); width: 100%; }
    .otp-validate-btn {
        border-radius: 0 0 var(--r-sm) var(--r-sm);
        width: 100%;
        min-width: 0;
    }
    .wizard-actions-row {
        flex-direction: column;
        align-items: stretch;
    }
    .wizard-actions-row .button {
        width: 100%;
        text-align: center;
    }
    .global-footer-links {
        flex-wrap: wrap;
    }

    .global-footer-support {
        flex-direction: column;
        gap: 4px;
    }

    .hero-right .stat { padding: 13px; }

    .cta-band { padding: 26px 18px; }
    .cta-band-btn { width: 100%; }

    .actions-right { justify-content: stretch; flex-direction: row; }
    .panel { padding: 16px; }
    fieldset { padding: 14px 12px; }
    .section-heading h2 { font-size: clamp(1.45rem, 5.5vw, 1.95rem); }
}