/*========================================
  BORROWER CONNECT — WEBSITE STYLES
  v2.0 — Accessibility audit (WCAG 2.1 AA)
========================================*/

/*========================================
  SAFETY NET — only active if tokens.css
  fails to load.

  This lives in @layer bc-fallback. Unlayered CSS always wins
  over layered CSS, so tokens.css (which declares no layer)
  overrides every value here whenever it loads. Nothing below
  is ever the effective value in normal operation.

  To test degradation: comment out the tokens.css <link>.

  Light-mode values only. A missing token file is a degraded
  state, not a theme — the goal is legible, not pretty.
========================================*/
@layer bc-fallback {
  :root {
    --brand-primary: #1C2E4A;  --brand-primary-hover: #274060;
    --brand-accent: #2F7F7A;   --brand-accent-hover: #26706B;
    --brand-accent-text: #235F5C;
    --brand-success: #28A745;  --brand-warning: #E0A800;
    --brand-error: #E24C4C;    --brand-highlight: #F2C94C;

    --neutral-white: #FFFFFF; --neutral-50: #F9FAFB;
    --neutral-100: #F3F3F3;   --neutral-200: #E5E7EB;
    --neutral-300: #D1D5DB;   --neutral-400: #9CA3AF;
    --neutral-500: #6B7280;   --neutral-600: #4B5563;
    --neutral-700: #374151;   --neutral-black: #000000;

    --text-color: #374151; --text-body: #4B5563;
    --text-muted: #515661;  --text-inverse: #FFFFFF;

    --bg-primary: #FFFFFF; --bg-secondary: #F9FAFB; --bg-tertiary: #F3F3F3;

    --surface-navy: #1C2E4A; --surface-navy-lift: #1E3A5C;
    --on-navy: #FFFFFF;      --on-navy-muted: #C6CBD2;
    --border-on-navy: rgba(255,255,255,0.18);
    --star-fill: #B8860B;

    --border-default: #929599; --border-subtle: #E5E7EB;
    --border-strong: #4B5563;  --border-width: 1.5px;

    --shadow-light: rgba(20,54,84,0.15);
    --shadow-med:   rgba(20,54,84,0.25);
    --shadow-strong: rgba(20,54,84,0.40);
    --shadow-focus: rgba(20,54,84,0.25);
    --shadow-accent-sm: rgba(47,127,122,0.12);

    --font-body: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
    --font-heading: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;

    --text-xs: 12px; --text-sm: 13px; --text-base: 15px;
    --text-md: 16px; --text-lg: 18px; --text-xl: 22px; --text-2xl: 26px;
    --text-h1: clamp(28px,5vw,48px); --text-h2: clamp(22px,4vw,36px);
    --text-h3: clamp(18px,3vw,26px); --text-h4: 22px;

    --font-weight-regular: 400;  --font-weight-medium: 500;
    --font-weight-semibold: 600; --font-weight-bold: 700;

    --line-height-body: 1.6; --line-height-heading: 1.25;
    --line-height-tight: 1.2;

    --space-1: 4px;  --space-2: 8px;  --space-3: 12px; --space-4: 16px;
    --space-5: 24px; --space-6: 32px; --space-8: 48px;

    --container-max: 1200px;   --container-narrow: 600px;
    --container-pad: 16px;     --container-pad-lg: 24px;

    --focus-ring-width: 3px;   --focus-ring-offset: 2px;
    --focus-ring-color: #235F5C; --focus-ring-contrast: #FFFFFF;
    --min-touch-target: 44px;

    --transition-micro: 0.10s ease; --transition-fast: 0.15s ease;
    --transition-med: 0.25s ease;   --transition-slow: 0.35s ease;
    --ease-out: cubic-bezier(0,0,0.2,1);

    --input-height: 48px; --input-border-width: 1.5px;
    --input-border-color: #929599; --input-border-radius: 10px;
    --input-font-size: 16px;

    --radius-xs: 6px; --radius-sm: 8px; --radius-md: 16px;
    --radius-lg: 30px; --radius-full: 99px; --radius-round: 50%;
    --card-radius: 16px;

    --measure: 70ch; --opacity-disabled: 0.45;
  }
  @media (prefers-reduced-motion: reduce) {
    :root {
      --transition-micro: 0s; --transition-fast: 0s;
      --transition-med: 0s;   --transition-slow: 0s;
    }
  }
}

 
 
/*========================================
  MOTION — gate smooth scroll and
  suppress transitions for users who
  prefer reduced motion (WCAG 2.3.3)
========================================*/
@media (prefers-reduced-motion: no-preference) {
  html, body { scroll-behavior: smooth; }
}
 
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
    transition-delay: 0ms !important;
    scroll-behavior: auto !important;
  }
  /* Keep transforms gone so no layout jump */
  .btn:hover,
  .btn:focus,
  .card:hover,
  .nav-link:hover {
    transform: none !important;
    box-shadow: inherit !important;
  }
}
 
 
/*========================================
  FORCED COLORS — Windows High Contrast Mode
  box-shadow focus rings are stripped; restore
  outline as the visible focus indicator.
  (WCAG 2.1 SC 1.4.11)
========================================*/
@media (forced-colors: active) {
  .form-input:focus,
  .form-input:focus-visible,
  .form-textarea:focus,
  .form-textarea:focus-visible,
  .form-select:focus,
  .form-select:focus-visible {
    outline: var(--focus-ring-width) solid Highlight !important;
    outline-offset: var(--focus-ring-offset) !important;
    box-shadow: none !important;
  }
 
  .btn:focus,
  .btn:focus-visible,
  .nav-link:focus,
  .nav-link:focus-visible {
    outline: var(--focus-ring-width) solid Highlight !important;
    outline-offset: var(--focus-ring-offset) !important;
  }
 
  /* Preserve button colours in HCM */
  .btn-primary,
  .btn-accent {
    forced-color-adjust: none;
  }
}
 
 
/*----------------------------------------
  TYPOGRAPHY
----------------------------------------*/
body {
  font-family: var(--font-body);
  color: var(--neutral-700);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}
 
h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-heading);
  color: var(--neutral-700);
  font-weight: var(--font-weight-semibold);
  line-height: 1.25;
}
 
h1 { font-size: clamp(28px, 5vw, 48px); }
h2 { font-size: clamp(22px, 4vw, 36px); }
h3 { font-size: clamp(18px, 3vw, 26px); }
h4 { font-size: var(--text-xl); }
 
p { margin-bottom: 1rem; color: var(--neutral-600); }
 
/*
 * Links: colour + persistent underline satisfies WCAG 1.4.1.
 * Underline uses --shadow-accent-md (semi-transparent teal) at rest,
 * solidifying on hover via text-decoration-color.
 * text-decoration:none alone (colour-only distinction) fails
 * when links appear within body text.
 */
a {
  color: var(--brand-accent-text);
  text-decoration: underline;
  text-underline-offset: 3px;
  text-decoration-color: var(--shadow-accent-md);
  transition: color var(--transition-fast), text-decoration-color var(--transition-fast);
}
a:hover {
  color: var(--brand-accent-hover);
  text-decoration-color: var(--brand-accent-hover);
}
a:focus-visible,
a:focus {
  outline: var(--focus-ring-width) solid var(--focus-ring-color);
  outline-offset: var(--focus-ring-offset);
  border-radius: 2px;
}
 
 
/*----------------------------------------
  BUTTONS
  min-height: 44px enforces WCAG 2.5.5
  touch target minimum on all button sizes.
----------------------------------------*/
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: var(--space-2);
  padding: var(--space-3) var(--space-5);
  /* WCAG 2.5.5: 44px minimum touch target */
  min-height: var(--min-touch-target);
  border-radius: var(--radius-lg);
  font-family: var(--font-body);
  font-size: var(--text-base);
  font-weight: var(--font-weight-medium);
  cursor: pointer;
  border: none;
  transition: background var(--transition-fast), box-shadow var(--transition-fast), transform var(--transition-micro);
  text-decoration: none;
  white-space: nowrap;
  /* Accessible focus ring — visible for keyboard, hidden for mouse via :focus-visible */
}
 
/* Focus ring on all button variants */
.btn:focus-visible,
.btn:focus {
  outline: var(--focus-ring-width) solid var(--focus-ring-color);
  outline-offset: var(--focus-ring-offset);
}
 
.btn-primary {
  background: var(--brand-primary);
  color: var(--text-inverse);
  box-shadow: 0 4px 14px var(--shadow-light);
}
.btn-primary:hover {
  background: var(--brand-primary-hover);
  box-shadow: 0 6px 20px var(--shadow-med);
  color: var(--text-inverse);
  transform: translateY(-1px);
}
.btn-primary:focus-visible,
.btn-primary:focus {
  outline-color: var(--brand-primary);
}
 
.btn-accent {
  background: var(--brand-accent-text);
  color: var(--text-inverse);
  box-shadow: 0 4px 14px var(--shadow-accent-sm);
}
.btn-accent:hover {
  background: var(--brand-accent-text-hover);
  color: var(--text-inverse);
  transform: translateY(-1px);
}
 
.btn-outline {
  background: transparent;
  color: var(--brand-primary);
  border: 2px solid var(--brand-primary);
}
.btn-outline:hover {
  background: var(--brand-primary);
  color: var(--text-inverse);
}
 
.btn-ghost {
  background: transparent;
  color: var(--neutral-600);
  border: 1px solid var(--neutral-300);
}
.btn-ghost:hover {
  color: var(--neutral-700);
  border-color: var(--neutral-400);
}
 
/* Disabled state */
.btn:disabled,
.btn[aria-disabled="true"] {
  opacity: var(--state-disabled-opacity);
  cursor: not-allowed;
  pointer-events: none;
}
 
 
/*----------------------------------------
  CARDS
----------------------------------------*/
.card {
  background: var(--bg-primary);
  border: 1px solid var(--neutral-200);
  border-radius: var(--radius-md);
  padding: var(--space-5);
  box-shadow: 0 2px 8px var(--shadow-light);
  transition: box-shadow var(--transition-fast);
}
 
.card:hover {
  box-shadow: 0 6px 20px var(--shadow-med);
}
 
.card-accent {
  border-left: 4px solid var(--brand-accent);
}
 
 
/*----------------------------------------
  FORM INPUTS (website contact forms etc.)
  font-size: 16px minimum prevents iOS
  Safari auto-zoom on focus.
  :focus-visible preferred; :focus retained
  as fallback for older browsers.
----------------------------------------*/
.form-input,
.form-textarea,
.form-select {
  width: 100%;
  padding: var(--space-3) var(--space-4);
  min-height: var(--min-touch-target);
  border: var(--input-border-width) solid var(--neutral-300);
  border-radius: var(--input-border-radius);
  background: var(--bg-secondary);
  color: var(--neutral-700);
  font-family: var(--font-body);
  /* 16px minimum — prevents iOS auto-zoom */
  font-size: var(--text-md);
  transition: border-color var(--transition-fast), box-shadow var(--transition-fast);
}
 
.form-input:hover,
.form-textarea:hover,
.form-select:hover {
  border-color: var(--brand-accent-text);
}
 
/* :focus-visible — ring for keyboard only */
.form-input:focus-visible,
.form-textarea:focus-visible,
.form-select:focus-visible,
/* :focus — fallback for browsers without :focus-visible */
.form-input:focus,
.form-textarea:focus,
.form-select:focus {
  border-color: var(--brand-accent-text);
  box-shadow: 0 0 0 var(--focus-ring-width) var(--shadow-accent-focus);
  /* outline:none only when we've provided an equivalent visible indicator */
  outline: none;
  background: var(--bg-primary);
}
 
.form-label {
  display: block;
  font-size: var(--text-sm);
  font-weight: var(--font-weight-semibold);
  color: var(--neutral-700);
  margin-bottom: var(--space-2);
}
 
/* Required field indicator */
.form-label .required {
  color: var(--brand-accent-text);
  margin-left: 2px;
}
 
/* Error state */
.form-input.is-error,
.form-textarea.is-error,
.form-select.is-error {
  border-color: var(--brand-error);
}
.form-error-msg {
  color: var(--brand-error);
  font-size: var(--text-xs);
  font-weight: var(--font-weight-medium);
  margin-top: var(--space-1);
  display: flex;
  align-items: center;
  gap: 4px;
}
 
/* Success state */
.form-input.is-success,
.form-textarea.is-success {
  border-color: var(--brand-success);
}
 
 
/*----------------------------------------
  BADGE / PILL
----------------------------------------*/
.badge {
  display: inline-flex;
  align-items: center;
  padding: 3px 10px;
  border-radius: var(--radius-lg);
  font-size: var(--text-xs);
  font-weight: var(--font-weight-medium);
}
 
.badge-primary { background: var(--brand-primary); color: var(--text-inverse); }
.badge-accent   { background: var(--brand-accent);  color: var(--text-inverse); }
.badge-success  { background: var(--brand-success);  color: var(--text-inverse); }
.badge-warning  { background: var(--brand-warning);  color: var(--text-inverse); }
.badge-error    { background: var(--brand-error);    color: var(--text-inverse); }
/* neutral-600 on neutral-100: #4B5563 on #F3F3F3 = 5.9:1 — passes AA */
.badge-muted    { background: var(--neutral-100); color: var(--neutral-600); }
 
 
/*----------------------------------------
  NAVIGATION
  Focus ring on nav links for keyboard users.
  Active state uses both colour + underline
  so it isn't colour-only (WCAG 1.4.1).
----------------------------------------*/
.nav {
  display: flex;
  align-items: center;
  gap: var(--space-5);
  font-family: var(--font-body);
}
 
.nav-link {
  color: var(--neutral-600);
  font-size: var(--text-base);
  font-weight: var(--font-weight-medium);
  text-decoration: none;
  transition: color var(--transition-fast);
  position: relative;
  /* Minimum touch target height */
  min-height: var(--min-touch-target);
  display: inline-flex;
  align-items: center;
  padding: 0 var(--space-1);
}
 
.nav-link:hover,
.nav-link.active {
  color: var(--brand-primary);
}
 
/* Keyboard focus ring */
.nav-link:focus-visible,
.nav-link:focus {
  outline: var(--focus-ring-width) solid var(--focus-ring-color);
  outline-offset: var(--focus-ring-offset);
  border-radius: 2px;
}
 
/* Active indicator: colour + underline (not colour alone) */
.nav-link.active::after {
  content: '';
  position: absolute;
  bottom: 4px;
  left: var(--space-1);
  right: var(--space-1);
  height: 2px;
  background: var(--brand-primary);
  border-radius: 2px;
}
 
 
/*----------------------------------------
  SECTION LAYOUT
----------------------------------------*/
.section {
  padding: var(--space-8) 0;
}
 
.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 var(--space-5);
}
 
.section-title {
  font-size: clamp(22px, 4vw, 36px);
  font-weight: var(--font-weight-semibold);
  color: var(--neutral-700);
  margin-bottom: var(--space-3);
}
 
/* neutral-500 on white: #6B7280 = 4.63:1 — passes AA */
.section-subtitle {
  font-size: var(--text-md);
  color: var(--text-muted);
  max-width: 600px;
  line-height: 1.6;
}
 
 
/*----------------------------------------
  UTILITIES
----------------------------------------*/
.text-primary  { color: var(--brand-primary) !important; }
.text-accent   { color: var(--brand-accent-text) !important; }
.text-muted    { color: var(--text-muted) !important; }
.text-success  { color: var(--brand-success) !important; }
.text-error    { color: var(--brand-error) !important; }
 
.bg-primary    { background: var(--brand-primary) !important; }
.bg-accent     { background: var(--brand-accent) !important; }
.bg-surface    { background: var(--bg-secondary) !important; }
 
.rounded-sm    { border-radius: var(--radius-sm) !important; }
.rounded-md    { border-radius: var(--radius-md) !important; }
.rounded-lg    { border-radius: var(--radius-lg) !important; }
.rounded-full  { border-radius: var(--radius-round) !important; }
 
.shadow-sm  { box-shadow: 0 2px 8px var(--shadow-light) !important; }
.shadow-md  { box-shadow: 0 4px 16px var(--shadow-med) !important; }
.shadow-lg  { box-shadow: 0 8px 32px var(--shadow-strong) !important; }
 
/* Screen-reader only — visually hidden but accessible to AT */
.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;
}
 
/* Skip link — allows keyboard users to jump past nav */
.skip-link {
  position: absolute;
  top: -100%;
  left: var(--space-4);
  z-index: 9999;
  background: var(--brand-primary);
  color: var(--text-inverse);
  padding: var(--space-2) var(--space-4);
  border-radius: var(--radius-sm);
  font-size: var(--text-base);
  font-weight: var(--font-weight-semibold);
  text-decoration: none;
  transition: top var(--transition-fast);
}
.skip-link:focus {
  top: var(--space-4);
}
 
 
/*----------------------------------------
  DARK MODE — inherits from tokens.
  No extra rules needed — all colours
  are token-referenced and update
  automatically with theme changes.
----------------------------------------*/
 
 
  /* ================================================
     PAGE-LEVEL RESETS
     Scoped to .bc-site to avoid fighting GHL globals
     ================================================ */
  .bc-site *,
  .bc-site *::before,
  .bc-site *::after {
    box-sizing: border-box;
    margin: 0;
    padding: 0;
  }
 
  .bc-site {
    font-family: var(--font-body);
    color: var(--neutral-700);
    background: var(--bg-primary);
    line-height: 1.6;
    -webkit-font-smoothing: antialiased;
  }
 
  /* ================================================
     NAVIGATION
     ================================================ */
  .bc-nav {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    z-index: 1000;
    background: var(--bg-primary);
    border-bottom: 1px solid transparent;
    transition: border-color 0.2s ease, box-shadow 0.2s ease;
  }
 
  .bc-nav.scrolled {
    border-bottom-color: var(--neutral-200);
    box-shadow: 0 2px 12px var(--shadow-light);
  }
 
  .bc-nav__inner {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 24px;
    height: 80px;
    display: flex;
    align-items: center;
    justify-content: space-between;
  }
 
  .bc-nav__logo {
    display: flex;
    align-items: center;
    text-decoration: none;
    flex-shrink: 0;
  }
 
  .bc-nav__logo svg {
    height: 56px;
    width: auto;
  }
 
  .bc-nav__links {
    display: flex;
    align-items: center;
    gap: 32px;
    list-style: none;
  }
 
  .bc-nav__links a {
    font-size: 15px;
    font-weight: 500;
    color: var(--neutral-600);
    text-decoration: none;
    transition: color 0.15s ease;
  }
 
  .bc-nav__links a:hover {
    color: var(--brand-primary);
  }
 
  .bc-nav__cta {
    display: inline-flex;
    align-items: center;
    padding: 10px 22px;
    background: var(--brand-primary);
    color: var(--text-inverse) !important;
    border-radius: 30px;
    font-size: 14px;
    font-weight: 600;
    text-decoration: none;
    transition: background 0.2s ease, transform 0.2s ease, box-shadow 0.2s ease;
    box-shadow: 0 4px 14px var(--shadow-light);
  }
 
  .bc-nav__cta:hover {
    background: var(--brand-primary-hover);
    transform: translateY(-1px);
    box-shadow: 0 6px 20px var(--shadow-med);
  }
 
  /* Mobile nav */
  .bc-nav__hamburger {
    display: none;
    flex-direction: column;
    gap: 5px;
    cursor: pointer;
    padding: 4px;
    background: none;
    border: none;
  }
 
  .bc-nav__hamburger span {
    display: block;
    width: 24px;
    height: 2px;
    background: var(--neutral-700);
    border-radius: 2px;
    transition: all 0.2s ease;
  }
 
  .bc-nav__mobile {
    display: none;
    flex-direction: column;
    background: var(--bg-primary);
    border-top: 1px solid var(--neutral-200);
    padding: 16px 24px 24px;
    gap: 4px;
  }
 
  .bc-nav__mobile a {
    display: block;
    padding: 12px 0;
    font-size: 16px;
    font-weight: 500;
    color: var(--neutral-700);
    text-decoration: none;
    border-bottom: 1px solid var(--neutral-100);
    transition: color 0.15s ease;
  }
 
  .bc-nav__mobile a:last-child { border-bottom: none; }
  .bc-nav__mobile a:hover { color: var(--brand-primary); }
 
  .bc-nav__mobile .bc-nav__cta {
    margin-top: 12px;
    justify-content: center;
    border-radius: 30px;
  }
 
  @media (max-width: 768px) {
    .bc-nav__links { display: none; }
    .bc-nav__cta.desktop-only { display: none; }
    .bc-nav__hamburger { display: flex; }
    .bc-nav__mobile.open { display: flex; }
  }
 
  /* ================================================
     HERO
     ================================================ */
  .bc-hero {
    padding: 156px 24px 100px;
    background: linear-gradient(160deg, var(--bg-secondary) 0%, var(--bg-primary) 60%);
    position: relative;
    overflow: hidden;
  }
 
  /* Subtle background shape */
  .bc-hero::before {
    content: '';
    position: absolute;
    top: -120px;
    right: -80px;
    width: 600px;
    height: 600px;
    border-radius: 50%;
    background: radial-gradient(circle, color-mix(in srgb, var(--brand-accent) 6%, transparent) 0%, transparent 70%);
    pointer-events: none;
  }
 
  .bc-hero__inner {
    max-width: 760px;
    margin: 0 auto;
    text-align: center;
    position: relative;
    z-index: 1;
  }
 
  .bc-hero__badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 6px 16px;
    background: color-mix(in srgb, var(--brand-accent) 8%, transparent);
    border: 1px solid color-mix(in srgb, var(--brand-accent) 20%, transparent);
    border-radius: 30px;
    font-size: 13px;
    font-weight: 500;
    color: var(--brand-accent-text);
    margin-bottom: 28px;
  }
 
  .bc-hero__badge-dot {
    width: 6px;
    height: 6px;
    border-radius: 50%;
    background: var(--brand-accent);
  }
 
  .bc-hero__heading {
    font-size: clamp(32px, 5.5vw, 52px);
    font-weight: 700;
    line-height: 1.15;
    color: var(--brand-primary);
    letter-spacing: -0.02em;
    margin-bottom: 20px;
  }
 
  .bc-hero__heading em {
    font-style: normal;
    color: var(--brand-accent-text);
  }
 
  .bc-hero__sub {
    font-size: 18px;
    color: var(--text-muted);
    max-width: 540px;
    margin: 0 auto 40px;
    line-height: 1.65;
  }
 
  .bc-hero__actions {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 16px;
    flex-wrap: wrap;
  }
 
  .bc-btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    padding: 14px 28px;
    border-radius: 30px;
    font-family: var(--font-body);
    font-size: 15px;
    font-weight: 600;
    cursor: pointer;
    border: none;
    transition: all 0.2s cubic-bezier(0, 0, 0.2, 1);
    text-decoration: none;
    white-space: nowrap;
  }
 
  .bc-btn--primary {
    background: var(--brand-primary);
    color: var(--text-inverse);
    box-shadow: 0 4px 14px var(--shadow-light);
  }
 
  .bc-btn--primary:hover {
    background: var(--brand-primary-hover);
    box-shadow: 0 6px 22px var(--shadow-med);
    transform: translateY(-2px);
    color: var(--text-inverse);
  }
 
  .bc-btn--outline {
    background: transparent;
    color: var(--brand-primary);
    border: 2px solid var(--neutral-300);
  }
 
  .bc-btn--outline:hover {
    border-color: var(--brand-primary);
    background: color-mix(in srgb, var(--brand-primary) 4%, transparent);
    color: var(--brand-primary);
  }
 
  .bc-hero__trust {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 24px;
    margin-top: 48px;
    flex-wrap: wrap;
  }
 
  .bc-hero__trust-item {
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: 13px;
    color: var(--text-muted);
    font-weight: 500;
  }
 
  .bc-hero__trust-icon {
    width: 18px;
    height: 18px;
    color: var(--brand-accent-text);
    flex-shrink: 0;
  }
 
  /* ================================================
     HOW IT WORKS
     ================================================ */
  .bc-section {
    padding: 96px 24px;
  }
 
  .bc-section--alt {
    background: var(--bg-secondary);
  }
 
  .bc-section__inner {
    max-width: 1200px;
    margin: 0 auto;
  }
 
  .bc-section__header {
    text-align: center;
    max-width: 600px;
    margin: 0 auto 64px;
  }
 
  .bc-eyebrow {
    display: inline-block;
    font-size: 12px;
    font-weight: 600;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    color: var(--brand-accent-text);
    margin-bottom: 12px;
  }
 
  .bc-section__title {
    font-size: clamp(24px, 3.5vw, 36px);
    font-weight: 700;
    color: var(--brand-primary);
    line-height: 1.2;
    letter-spacing: -0.01em;
    margin-bottom: 16px;
  }
 
  .bc-section__sub {
    font-size: 16px;
    color: var(--text-muted);
    line-height: 1.65;
  }
 
  /* Steps */
  .bc-steps {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 32px;
    position: relative;
  }
 
  .bc-steps::before {
    content: '';
    position: absolute;
    top: 28px;
    left: calc(16.66% + 16px);
    right: calc(16.66% + 16px);
    height: 2px;
    background: linear-gradient(90deg, var(--brand-accent), var(--neutral-200) 50%, var(--brand-accent));
    opacity: 0.3;
    pointer-events: none;
  }
 
  .bc-step {
    display: flex;
    flex-direction: column;
    align-items: center;
    text-align: center;
    gap: 16px;
  }
 
  .bc-step__number {
    width: 56px;
    height: 56px;
    border-radius: 50%;
    background: var(--brand-primary);
    color: var(--text-inverse);
    font-size: 18px;
    font-weight: 700;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    position: relative;
    z-index: 1;
    box-shadow: 0 4px 16px var(--shadow-light);
  }
 
  .bc-step__title {
    font-size: 17px;
    font-weight: 600;
    color: var(--brand-primary);
    line-height: 1.3;
  }
 
  .bc-step__body {
    font-size: 14px;
    color: var(--text-muted);
    line-height: 1.6;
  }
 
  @media (max-width: 640px) {
    .bc-steps {
      grid-template-columns: 1fr;
      gap: 40px;
    }
    .bc-steps::before { display: none; }
  }
 
  /* ================================================
     ABOUT
     ================================================ */
  .bc-about__grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 64px;
    align-items: center;
  }
 
  .bc-about__content .bc-section__title {
    text-align: left;
  }
 
  .bc-about__content p {
    color: var(--neutral-600);
    font-size: 16px;
    line-height: 1.75;
    margin-bottom: 16px;
  }
 
  .bc-about__content p:last-of-type {
    margin-bottom: 32px;
  }
 
  .bc-about__beliefs {
    display: flex;
    flex-direction: column;
    gap: 16px;
  }
 
  .bc-belief {
    display: flex;
    align-items: flex-start;
    gap: 14px;
  }
 
  .bc-belief__icon {
    width: 36px;
    height: 36px;
    border-radius: 10px;
    background: color-mix(in srgb, var(--brand-accent) 10%, transparent);
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    margin-top: 2px;
  }
 
  .bc-belief__icon svg {
    width: 18px;
    height: 18px;
    color: var(--brand-accent-text);
  }
 
  .bc-belief__text {
    font-size: 15px;
    color: var(--neutral-600);
    line-height: 1.5;
  }
 
  .bc-belief__text strong {
    display: block;
    font-weight: 600;
    color: var(--brand-primary);
    margin-bottom: 2px;
  }
 
  /* Visual panel */
  .bc-about__visual {
    background: linear-gradient(135deg, var(--surface-navy) 0%, var(--surface-navy-lift) 100%);
    border-radius: 20px;
    padding: 48px 40px;
    display: flex;
    flex-direction: column;
    gap: 28px;
    box-shadow: 0 20px 60px var(--shadow-strong);
  }
 
  .bc-stat {
    display: flex;
    flex-direction: column;
    gap: 4px;
    padding-bottom: 28px;
    border-bottom: 1px solid var(--border-on-navy);
  }
 
  .bc-stat:last-child {
    padding-bottom: 0;
    border-bottom: none;
  }
 
  .bc-stat__value {
    font-size: 36px;
    font-weight: 700;
    color: var(--on-navy);
    letter-spacing: -0.02em;
    line-height: 1;
  }
 
  .bc-stat__value span {
    color: var(--accent-on-navy);
  }
 
  .bc-stat__label {
    font-size: 14px;
    color: var(--on-navy-muted);
    font-weight: 500;
  }
 
  @media (max-width: 768px) {
    .bc-about__grid {
      grid-template-columns: 1fr;
      gap: 48px;
    }
    .bc-about__visual { order: -1; }
  }
 
  /* ================================================
     TESTIMONIALS
     ================================================ */
  .bc-testimonials__grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
  }
 
  .bc-testimonial {
    background: var(--bg-primary);
    border: 1px solid var(--neutral-200);
    border-radius: 16px;
    padding: 28px;
    display: flex;
    flex-direction: column;
    gap: 20px;
    box-shadow: 0 2px 8px var(--shadow-light);
    transition: box-shadow 0.2s ease, transform 0.2s ease;
  }
 
  .bc-testimonial:hover {
    box-shadow: 0 8px 28px var(--shadow-med);
    transform: translateY(-2px);
  }
 
  .bc-testimonial__stars {
    display: flex;
    gap: 3px;
    color: var(--star-fill);
    font-size: 16px;
  }
 
  .bc-testimonial__quote {
    font-size: 15px;
    color: var(--neutral-600);
    line-height: 1.65;
    flex: 1;
  }
 
  .bc-testimonial__author {
    display: flex;
    align-items: center;
    gap: 12px;
  }
 
  .bc-testimonial__avatar {
    width: 40px;
    height: 40px;
    border-radius: 50%;
    background: var(--brand-primary);
    color: var(--text-inverse);
    font-size: 15px;
    font-weight: 600;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
  }
 
  .bc-testimonial__name {
    font-size: 14px;
    font-weight: 600;
    color: var(--brand-primary);
  }
 
  .bc-testimonial__location {
    font-size: 12px;
    color: var(--neutral-400);
  }
 
  @media (max-width: 900px) {
    .bc-testimonials__grid { grid-template-columns: 1fr 1fr; }
  }
 
  @media (max-width: 600px) {
    .bc-testimonials__grid { grid-template-columns: 1fr; }
  }
 
  /* ================================================
     FAQ
     ================================================ */
  .bc-faq__list {
    max-width: 720px;
    margin: 0 auto;
    display: flex;
    flex-direction: column;
    gap: 12px;
  }
 
  .bc-faq__item {
    background: var(--bg-primary);
    border: 1px solid var(--neutral-200);
    border-radius: 12px;
    overflow: hidden;
    transition: box-shadow 0.2s ease;
  }
 
  .bc-faq__item.open {
    box-shadow: 0 4px 16px var(--shadow-light);
  }
 
  .bc-faq__question {
    width: 100%;
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 20px 24px;
    background: none;
    border: none;
    cursor: pointer;
    font-family: var(--font-body);
    font-size: 15px;
    font-weight: 600;
    color: var(--brand-primary);
    text-align: left;
    gap: 16px;
    transition: background 0.15s ease;
    -webkit-tap-highlight-color: transparent;
  }
 
  .bc-faq__question:hover {
    background: var(--bg-secondary);
  }
 
  .bc-faq__chevron {
    width: 20px;
    height: 20px;
    color: var(--neutral-400);
    flex-shrink: 0;
    transition: transform 0.25s ease;
  }
 
  .bc-faq__item.open .bc-faq__chevron {
    transform: rotate(180deg);
    color: var(--brand-accent-text);
  }
 
  .bc-faq__answer {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.3s ease, padding 0.3s ease;
    padding: 0 24px;
  }
 
  .bc-faq__item.open .bc-faq__answer {
    max-height: 400px;
    padding: 0 24px 20px;
  }
 
  .bc-faq__answer p {
    font-size: 15px;
    color: var(--neutral-600);
    line-height: 1.65;
    margin: 0;
  }
 
  /* ================================================
     CONTACT
     ================================================ */
  .bc-contact__grid {
    display: grid;
    grid-template-columns: 1fr 1.4fr;
    gap: 64px;
    align-items: start;
  }
 
  .bc-contact__info .bc-section__title {
    text-align: left;
  }
 
  .bc-contact__info p {
    font-size: 16px;
    color: var(--text-muted);
    margin-bottom: 32px;
    line-height: 1.65;
  }
 
  .bc-contact__methods {
    display: flex;
    flex-direction: column;
    gap: 16px;
  }
 
  .bc-contact__method {
    display: flex;
    align-items: center;
    gap: 14px;
    font-size: 15px;
    color: var(--neutral-700);
    text-decoration: none;
    transition: color 0.15s ease;
  }
 
  .bc-contact__method:hover {
    color: var(--brand-primary);
  }
 
  .bc-contact__method-icon {
    width: 40px;
    height: 40px;
    border-radius: 10px;
    background: var(--bg-secondary);
    border: 1px solid var(--neutral-200);
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
  }
 
  .bc-contact__method-icon svg {
    width: 18px;
    height: 18px;
    color: var(--brand-accent-text);
  }
 
  /* Contact form */
  .bc-contact__form {
    background: var(--bg-primary);
    border: 1px solid var(--neutral-200);
    border-radius: 16px;
    padding: 36px;
    box-shadow: 0 4px 20px var(--shadow-light);
  }
 
  .bc-form-group {
    margin-bottom: 20px;
  }
 
  .bc-form-group label {
    display: block;
    font-size: 14px;
    font-weight: 600;
    color: var(--neutral-700);
    margin-bottom: 8px;
  }
 
  .bc-form-group input,
  .bc-form-group textarea {
    width: 100%;
    padding: 12px 16px;
    border: 1px solid var(--neutral-300);
    border-radius: 8px;
    background: var(--bg-secondary);
    color: var(--neutral-700);
    font-family: var(--font-body);
    font-size: 15px;
    transition: border-color 0.15s ease, box-shadow 0.15s ease;
    outline: none;
  }
 
  .bc-form-group input:focus,
  .bc-form-group textarea:focus {
    border-color: var(--brand-primary);
    box-shadow: 0 0 0 3px var(--shadow-focus);
    background: var(--bg-primary);
  }
 
  .bc-form-group textarea {
    resize: vertical;
    min-height: 120px;
  }
 
  .bc-form-group input::placeholder,
  .bc-form-group textarea::placeholder {
    color: var(--neutral-400);
  }
 
  .bc-form-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 16px;
  }
 
  @media (max-width: 480px) {
    .bc-form-row { grid-template-columns: 1fr; }
  }
 
  @media (max-width: 768px) {
    .bc-contact__grid {
      grid-template-columns: 1fr;
      gap: 40px;
    }
  }
 
  /* ================================================
     CTA BANNER
     ================================================ */
  .bc-cta-banner {
    background: linear-gradient(135deg, var(--surface-navy) 0%, var(--surface-navy-lift) 100%);
    padding: 80px 24px;
    text-align: center;
    position: relative;
    overflow: hidden;
  }
 
  .bc-cta-banner::before {
    content: '';
    position: absolute;
    top: -100px;
    left: 50%;
    transform: translateX(-50%);
    width: 800px;
    height: 400px;
    border-radius: 50%;
    background: radial-gradient(circle, color-mix(in srgb, var(--brand-accent) 15%, transparent) 0%, transparent 70%);
    pointer-events: none;
  }
 
  .bc-cta-banner__inner {
    max-width: 600px;
    margin: 0 auto;
    position: relative;
    z-index: 1;
  }
 
  .bc-cta-banner__title {
    font-size: clamp(24px, 3.5vw, 36px);
    font-weight: 700;
    color: var(--on-navy);
    letter-spacing: -0.01em;
    line-height: 1.2;
    margin-bottom: 16px;
  }
 
  .bc-cta-banner__sub {
    font-size: 16px;
    color: var(--on-navy-muted);
    margin-bottom: 36px;
    line-height: 1.65;
  }
 
  .bc-btn--light {
    background: var(--on-navy);
    color: var(--surface-navy);
    box-shadow: 0 4px 20px var(--shadow-med);
  }
 
  .bc-btn--light:hover {
    background: var(--on-navy-muted);
    color: var(--surface-navy);
    transform: translateY(-2px);
    box-shadow: 0 8px 28px var(--shadow-strong);
  }
 
  .bc-btn--accent {
    background: var(--brand-accent-text);
    color: var(--text-inverse);
    box-shadow: 0 4px 14px var(--shadow-accent-lg);
  }
 
  .bc-btn--accent:hover {
    background: var(--brand-accent-text-hover);
    transform: translateY(-2px);
    color: var(--text-inverse);
  }
 
  .bc-cta-banner__actions {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 16px;
    flex-wrap: wrap;
  }
 
  /* ================================================
     FOOTER
     ================================================ */
  .bc-footer {
    background: var(--surface-navy);
    padding: 64px 24px 32px;
    color: var(--on-navy-muted);
  }
 
  .bc-footer__inner {
    max-width: 1200px;
    margin: 0 auto;
  }
 
  .bc-footer__top {
    display: grid;
    grid-template-columns: 1.5fr 1fr 1fr 1fr;
    gap: 48px;
    padding-bottom: 48px;
    border-bottom: 1px solid var(--border-on-navy);
  }
 
  .bc-footer__brand p {
    font-size: 14px;
    color: var(--on-navy-muted);
    line-height: 1.65;
    margin-top: 16px;
    margin-bottom: 0;
  }
 
  .bc-footer__logo svg {
    height: 36px;
    width: auto;
  }
 
  .bc-footer__col-title {
    font-size: 13px;
    font-weight: 600;
    letter-spacing: 0.06em;
    text-transform: uppercase;
    color: var(--on-navy-muted);
    margin-bottom: 16px;
  }
 
  .bc-footer__col ul {
    list-style: none;
    display: flex;
    flex-direction: column;
    gap: 10px;
  }
 
  .bc-footer__col ul a {
    font-size: 14px;
    color: var(--on-navy-muted);
    text-decoration: none;
    transition: color 0.15s ease;
  }
 
  .bc-footer__col ul a:hover {
    color: var(--on-navy);
  }
 
  .bc-footer__bottom {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding-top: 32px;
    gap: 16px;
    flex-wrap: wrap;
  }
 
  .bc-footer__legal {
    font-size: 13px;
    color: var(--on-navy-muted);
  }
 
  .bc-footer__legal a {
    color: var(--on-navy-muted);
    text-decoration: none;
    transition: color 0.15s ease;
  }
 
  .bc-footer__legal a:hover { color: var(--on-navy); }
 
  .bc-footer__abn {
    font-size: 13px;
    color: var(--on-navy-muted);
  }
 
  @media (max-width: 900px) {
    .bc-footer__top {
      grid-template-columns: 1fr 1fr;
      gap: 32px;
    }
  }
 
  @media (max-width: 500px) {
    .bc-footer__top { grid-template-columns: 1fr; }
    .bc-footer__bottom { flex-direction: column; align-items: flex-start; }
  }
 
  /* ================================================
     SCROLL REVEAL
     ================================================ */
  .bc-reveal {
    opacity: 0;
    transform: translateY(20px);
    transition: opacity 0.5s ease, transform 0.5s ease;
  }
 
  .bc-reveal.visible {
    opacity: 1;
    transform: translateY(0);
  }
 
  @media (prefers-reduced-motion: reduce) {
    .bc-reveal {
      opacity: 1;
      transform: none;
      transition: none;
    }
  }
 
  /* ================================================
     SURVEY EMBED SECTION
     ================================================ */
  .bc-survey-section {
    padding: 80px 24px;
    background: var(--bg-secondary);
  }
 
  .bc-survey-section__inner {
    max-width: 860px;
    margin: 0 auto;
  }
 
  .bc-survey-embed {
    background: var(--bg-primary);
    border-radius: 16px;
    overflow: hidden;
    box-shadow: 0 8px 40px var(--shadow-med);
    border: 1px solid var(--neutral-200);
  }
 
  .bc-survey-embed iframe {
    display: block;
    width: 100%;
    border: none;
    min-height: 600px;
  }
 
  /* ================================================
     THEME TOGGLE
     ================================================ */
  .bc-theme-toggle {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 40px;
    height: 40px;
    border-radius: 50%;
    background: var(--bg-secondary);
    border: 1px solid var(--neutral-200);
    cursor: pointer;
    transition: background 0.2s ease, border-color 0.2s ease, transform 0.15s ease;
    flex-shrink: 0;
    -webkit-tap-highlight-color: transparent;
  }
 
  .bc-theme-toggle:hover {
    background: var(--bg-tertiary);
    border-color: var(--neutral-300);
    transform: scale(1.08);
  }
 
  .bc-theme-toggle svg {
    width: 18px;
    height: 18px;
    color: var(--neutral-600);
    transition: color 0.2s ease;
    pointer-events: none;
  }
 
  .bc-theme-toggle:hover svg {
    color: var(--brand-primary);
  }
 
  /* Show correct icon per theme */
  .bc-theme-toggle .icon-sun  { display: none; }
  .bc-theme-toggle .icon-moon { display: block; }
 
  html[data-theme="dark"] .bc-theme-toggle .icon-sun  { display: block; }
  html[data-theme="dark"] .bc-theme-toggle .icon-moon { display: none; }
 
  /* Dark mode: invert toggle surface */
  html[data-theme="dark"] .bc-theme-toggle {
    background: var(--bg-tertiary);
    border-color: var(--neutral-300);
  }
 
  html[data-theme="dark"] .bc-theme-toggle svg {
    color: var(--text-muted);
  }
 
  /* On mobile keep toggle visible, hide desktop-only CTA */
  @media (max-width: 768px) {
    .bc-theme-toggle { display: inline-flex; }
  }
 
  /* Dark mode body / surface overrides so the whole page responds */
 
 
 
 
 
  html[data-theme="dark"] .bc-about__visual {
    background: linear-gradient(135deg, var(--surface-navy) 0%, var(--surface-navy-lift) 100%);
  }
 
  html[data-theme="dark"] .bc-contact__form {
    background: var(--bg-secondary);
    border-color: var(--neutral-200);
  }
 
  html[data-theme="dark"] .bc-form-group input,
  html[data-theme="dark"] .bc-form-group textarea {
    background: var(--bg-tertiary);
  }
 
 
 
  html[data-theme="dark"] .bc-faq__item {
    background: var(--bg-secondary);
  }
 
  html[data-theme="dark"] .bc-faq__question {
    color: var(--neutral-700);
  }
 
  html[data-theme="dark"] .bc-faq__question:hover {
    background: var(--bg-tertiary);
  }
 
 
  html[data-theme="dark"] .bc-contact__method-icon {
    background: var(--bg-tertiary);
  }
 
  html[data-theme="dark"] .bc-nav.scrolled {
    border-bottom-color: var(--neutral-200);
  }