/* ============================================================
   SMARTLY.SG — Stylesheet
   Modern fintech professional aesthetic.
   Mobile-first, responsive, accessible.
   ============================================================ */

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

:root {
    /* Palette — calm navy/teal trust + warm sand accent */
    --sl-ink:        #0B1F3A;   /* Deep navy — primary */
    --sl-ink-soft:   #1A3358;   /* Lighter navy for surfaces */
    --sl-accent:     #00C7B7;   /* Electric teal — CTA */
    --sl-accent-deep:#00A899;
    --sl-sand:       #F4E4C1;   /* Warm sand accent for highlights */
    --sl-cream:      #FAFAF7;   /* Off-white background */
    --sl-stone-50:   #F4F6F8;
    --sl-stone-100:  #E7EAEE;
    --sl-stone-300:  #C5CDD6;
    --sl-stone-500:  #8693A2;
    --sl-stone-700:  #4A5663;
    --sl-text:       #1A2233;
    --sl-white:      #FFFFFF;

    /* Type */
    --font-display: 'Manrope', system-ui, -apple-system, "Segoe UI", sans-serif;
    --font-body:    'Inter', system-ui, -apple-system, "Segoe UI", sans-serif;

    /* Scale */
    --gap-3xs: 0.25rem;
    --gap-2xs: 0.5rem;
    --gap-xs:  0.75rem;
    --gap-sm:  1rem;
    --gap-md:  1.5rem;
    --gap-lg:  2rem;
    --gap-xl:  3rem;
    --gap-2xl: 4.5rem;
    --gap-3xl: 6.5rem;

    --radius-sm: 6px;
    --radius-md: 12px;
    --radius-lg: 20px;
    --radius-xl: 32px;

    --shadow-sm: 0 1px 3px rgba(11, 31, 58, 0.08);
    --shadow-md: 0 8px 24px rgba(11, 31, 58, 0.08);
    --shadow-lg: 0 20px 50px rgba(11, 31, 58, 0.12);

    --ease: cubic-bezier(0.16, 1, 0.3, 1);
    --t: 260ms var(--ease);

    --container: 1200px;
    --container-narrow: 880px;
}

html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }

body {
    margin: 0;
    font-family: var(--font-body);
    font-size: 16px;
    line-height: 1.65;
    color: var(--sl-text);
    background: var(--sl-cream);
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
}

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

a {
    color: var(--sl-ink);
    text-decoration: underline;
    text-decoration-color: var(--sl-accent);
    text-decoration-thickness: 1.5px;
    text-underline-offset: 3px;
    transition: color var(--t);
}

a:hover, a:focus { color: var(--sl-accent-deep); }

h1, h2, h3, h4, h5, h6 {
    font-family: var(--font-display);
    font-weight: 700;
    color: var(--sl-ink);
    letter-spacing: -0.022em;
    line-height: 1.15;
    margin: 0 0 var(--gap-md);
}

h1 { font-size: clamp(2.25rem, 5vw, 3.5rem); }
h2 { font-size: clamp(1.75rem, 3.5vw, 2.4rem); }
h3 { font-size: clamp(1.3rem, 2.2vw, 1.6rem); }
h4 { font-size: 1.2rem; }
h5 { font-size: 1.05rem; }

p { margin: 0 0 var(--gap-md); }
p:last-child { margin-bottom: 0; }

ul, ol { margin: 0 0 var(--gap-md); padding-left: 1.4rem; }
li { margin-bottom: var(--gap-2xs); }

.sl-eyebrow {
    display: inline-block;
    font-family: var(--font-display);
    font-size: 0.78rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.14em;
    color: var(--sl-accent-deep);
    margin-bottom: var(--gap-sm);
}

.sl-lead {
    font-size: clamp(1.05rem, 1.5vw, 1.2rem);
    color: var(--sl-stone-700);
    line-height: 1.6;
    max-width: 60ch;
}

/* ============================================================
   LAYOUT
   ============================================================ */

.sl-wrap        { max-width: var(--container);        margin: 0 auto; padding: 0 var(--gap-md); }
.sl-wrap-narrow { max-width: var(--container-narrow); margin: 0 auto; padding: 0 var(--gap-md); }

@media (min-width: 768px) {
    .sl-wrap, .sl-wrap-narrow { padding: 0 var(--gap-lg); }
}

.sl-section { padding: var(--gap-3xl) 0; }
.sl-section--cream { background: var(--sl-stone-50); }
.sl-section--ink  { background: var(--sl-ink); color: var(--sl-cream); }
.sl-section--ink h1,
.sl-section--ink h2,
.sl-section--ink h3 { color: var(--sl-cream); }

.sl-section-head { max-width: 720px; margin: 0 auto var(--gap-2xl); text-align: center; }
.sl-section-head .sl-lead { margin-left: auto; margin-right: auto; }

/* ============================================================
   HEADER & NAVIGATION
   ============================================================ */

.sl-header {
    background: rgba(250, 250, 247, 0.92);
    backdrop-filter: saturate(180%) blur(12px);
    position: sticky;
    top: 0;
    z-index: 100;
    border-bottom: 1px solid var(--sl-stone-100);
}

.sl-header-inner {
    max-width: var(--container);
    margin: 0 auto;
    padding: var(--gap-sm) var(--gap-md);
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: var(--gap-md);
}

.sl-logo {
    display: inline-flex;
    align-items: center;
    gap: 0.5rem;
    text-decoration: none;
    color: var(--sl-ink);
    font-family: var(--font-display);
    font-weight: 800;
    font-size: 1.4rem;
    letter-spacing: -0.02em;
}

.sl-logo:hover { color: var(--sl-ink); }

.sl-logo-mark {
    width: 32px;
    height: 32px;
    background: var(--sl-ink);
    color: var(--sl-accent);
    border-radius: 8px;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    font-weight: 800;
    font-size: 0.95rem;
}

.sl-nav {
    display: flex;
    align-items: center;
    gap: var(--gap-md);
}

.sl-nav-list {
    list-style: none;
    margin: 0;
    padding: 0;
    display: flex;
    align-items: center;
    gap: var(--gap-md);
}

.sl-nav-list li { margin: 0; }

.sl-nav-list a {
    font-family: var(--font-display);
    font-weight: 500;
    font-size: 0.96rem;
    color: var(--sl-text);
    text-decoration: none;
    padding: var(--gap-2xs) 0;
    position: relative;
    transition: color var(--t);
}

.sl-nav-list a::after {
    content: '';
    position: absolute;
    left: 0;
    bottom: -3px;
    height: 2px;
    width: 0;
    background: var(--sl-accent);
    transition: width var(--t);
}

.sl-nav-list a:hover::after,
.sl-nav-list a.is-active::after { width: 100%; }
.sl-nav-list a:hover,
.sl-nav-list a.is-active { color: var(--sl-ink); }

.sl-nav-cta {
    display: inline-flex;
    align-items: center;
    background: var(--sl-ink);
    color: var(--sl-cream);
    padding: 0.6em 1.25em;
    border-radius: var(--radius-sm);
    font-family: var(--font-display);
    font-weight: 600;
    font-size: 0.95rem;
    text-decoration: none;
    transition: all var(--t);
}

.sl-nav-cta:hover { background: var(--sl-accent); color: var(--sl-ink); }

.sl-nav-login {
    font-family: var(--font-display);
    font-weight: 500;
    font-size: 0.96rem;
    color: var(--sl-stone-700);
    text-decoration: none;
}

.sl-menu-toggle {
    display: none;
    background: none;
    border: 1.5px solid var(--sl-stone-300);
    color: var(--sl-ink);
    padding: 0.5em 0.9em;
    border-radius: var(--radius-sm);
    cursor: pointer;
    font-family: var(--font-display);
    font-weight: 600;
    font-size: 0.9rem;
}

@media (max-width: 880px) {
    .sl-menu-toggle { display: inline-flex; align-items: center; gap: 0.4em; }
    .sl-nav {
        display: none;
        position: absolute;
        top: 100%;
        left: 0;
        right: 0;
        background: var(--sl-cream);
        flex-direction: column;
        align-items: stretch;
        padding: var(--gap-md);
        border-bottom: 1px solid var(--sl-stone-100);
        box-shadow: var(--shadow-md);
    }
    .sl-nav.is-open { display: flex; }
    .sl-nav-list { flex-direction: column; align-items: stretch; gap: var(--gap-sm); width: 100%; }
    .sl-nav-list a { padding: var(--gap-2xs) 0; font-size: 1.05rem; }
    .sl-nav-cta { justify-content: center; }
}

/* ============================================================
   HERO
   ============================================================ */

.sl-hero {
    background: var(--sl-ink);
    color: var(--sl-cream);
    padding: var(--gap-3xl) 0 var(--gap-2xl);
    position: relative;
    overflow: hidden;
}

.sl-hero::before {
    content: '';
    position: absolute;
    inset: 0;
    background:
        radial-gradient(circle at 85% 15%, rgba(0, 199, 183, 0.18), transparent 50%),
        radial-gradient(circle at 15% 85%, rgba(244, 228, 193, 0.08), transparent 60%);
    pointer-events: none;
}

.sl-hero-inner {
    position: relative;
    display: grid;
    grid-template-columns: 1.1fr 1fr;
    gap: var(--gap-2xl);
    align-items: center;
}

@media (max-width: 880px) {
    .sl-hero-inner { grid-template-columns: 1fr; text-align: center; }
    .sl-hero-art { order: -1; max-width: 380px; margin: 0 auto; }
}

.sl-hero h1 {
    color: var(--sl-cream);
    font-size: clamp(2.5rem, 5.5vw, 4rem);
    margin-bottom: var(--gap-md);
}

.sl-hero h1 .sl-hi {
    color: var(--sl-accent);
}

.sl-hero-tagline {
    color: rgba(250, 250, 247, 0.8);
    font-size: clamp(1.05rem, 1.6vw, 1.25rem);
    line-height: 1.55;
    max-width: 52ch;
    margin-bottom: var(--gap-lg);
}

.sl-hero-eyebrow { color: var(--sl-sand); }

.sl-hero-actions {
    display: flex;
    gap: var(--gap-sm);
    flex-wrap: wrap;
}

@media (max-width: 880px) { .sl-hero-actions { justify-content: center; } }

.sl-hero-meta {
    margin-top: var(--gap-xl);
    display: flex;
    gap: var(--gap-xl);
    flex-wrap: wrap;
    color: rgba(250, 250, 247, 0.75);
    font-size: 0.95rem;
}

.sl-hero-meta strong { color: var(--sl-cream); font-family: var(--font-display); font-weight: 700; font-size: 1.5rem; display: block; }
.sl-hero-meta small { display: block; text-transform: uppercase; letter-spacing: 0.1em; font-size: 0.72rem; opacity: 0.7; margin-top: 0.2rem; }

@media (max-width: 880px) { .sl-hero-meta { justify-content: center; } }

/* ============================================================
   BUTTONS
   ============================================================ */

.sl-btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 0.5em;
    padding: 0.95em 1.85em;
    font-family: var(--font-display);
    font-size: 1rem;
    font-weight: 600;
    text-decoration: none;
    border-radius: var(--radius-sm);
    border: 1.5px solid transparent;
    cursor: pointer;
    transition: all var(--t);
    line-height: 1;
}

.sl-btn--primary { background: var(--sl-accent); color: var(--sl-ink); }
.sl-btn--primary:hover { background: var(--sl-accent-deep); color: var(--sl-ink); transform: translateY(-1px); }

.sl-btn--ink { background: var(--sl-ink); color: var(--sl-cream); }
.sl-btn--ink:hover { background: var(--sl-ink-soft); color: var(--sl-cream); }

.sl-btn--outline { background: transparent; color: var(--sl-cream); border-color: rgba(250, 250, 247, 0.4); }
.sl-btn--outline:hover { background: var(--sl-cream); color: var(--sl-ink); border-color: var(--sl-cream); }

.sl-btn--ghost { background: transparent; color: var(--sl-ink); border-color: var(--sl-stone-300); }
.sl-btn--ghost:hover { background: var(--sl-stone-50); border-color: var(--sl-ink); color: var(--sl-ink); }

/* ============================================================
   FEATURE GRID & CARDS
   ============================================================ */

.sl-grid {
    display: grid;
    gap: var(--gap-lg);
}

.sl-grid--3 { grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); }
.sl-grid--4 { grid-template-columns: repeat(auto-fit, minmax(230px, 1fr)); }
.sl-grid--2 { grid-template-columns: repeat(auto-fit, minmax(320px, 1fr)); }

.sl-card {
    background: var(--sl-white);
    border-radius: var(--radius-lg);
    padding: var(--gap-lg);
    border: 1px solid var(--sl-stone-100);
    transition: transform var(--t), box-shadow var(--t), border-color var(--t);
}

.sl-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-md);
    border-color: var(--sl-accent);
}

.sl-card h3 { margin-top: 0; margin-bottom: var(--gap-xs); font-size: 1.2rem; }
.sl-card p { font-size: 0.97rem; color: var(--sl-stone-700); }

.sl-card-icon {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 52px;
    height: 52px;
    border-radius: var(--radius-sm);
    background: var(--sl-stone-50);
    color: var(--sl-accent-deep);
    margin-bottom: var(--gap-md);
}

.sl-card-icon svg { width: 28px; height: 28px; }

/* Steps */
.sl-steps { counter-reset: step; }
.sl-step {
    position: relative;
    padding-left: 80px;
    margin-bottom: var(--gap-xl);
}
.sl-step::before {
    counter-increment: step;
    content: counter(step, decimal-leading-zero);
    position: absolute;
    left: 0;
    top: 0;
    font-family: var(--font-display);
    font-size: 2.2rem;
    font-weight: 800;
    color: var(--sl-accent);
    line-height: 1;
}

/* ============================================================
   PRICING TIERS
   ============================================================ */

.sl-pricing {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: var(--gap-lg);
}

.sl-tier {
    background: var(--sl-white);
    border-radius: var(--radius-lg);
    padding: var(--gap-xl) var(--gap-lg);
    border: 1.5px solid var(--sl-stone-100);
    text-align: center;
    transition: all var(--t);
    position: relative;
}

.sl-tier:hover { box-shadow: var(--shadow-md); }

.sl-tier--featured {
    border-color: var(--sl-accent);
    background: var(--sl-ink);
    color: var(--sl-cream);
    transform: scale(1.03);
    z-index: 1;
}

.sl-tier--featured .sl-tier-name,
.sl-tier--featured .sl-tier-amount,
.sl-tier--featured .sl-tier-label { color: var(--sl-cream); }

.sl-tier-badge {
    position: absolute;
    top: -14px;
    left: 50%;
    transform: translateX(-50%);
    background: var(--sl-accent);
    color: var(--sl-ink);
    padding: 0.3em 1em;
    border-radius: 100px;
    font-family: var(--font-display);
    font-weight: 700;
    font-size: 0.78rem;
    text-transform: uppercase;
    letter-spacing: 0.08em;
}

.sl-tier-label {
    display: block;
    font-family: var(--font-display);
    font-size: 0.85rem;
    text-transform: uppercase;
    letter-spacing: 0.12em;
    color: var(--sl-stone-500);
    margin-bottom: var(--gap-2xs);
}

.sl-tier-name {
    font-family: var(--font-display);
    font-weight: 700;
    font-size: 1.4rem;
    color: var(--sl-ink);
    margin-bottom: var(--gap-md);
}

.sl-tier-amount {
    font-family: var(--font-display);
    font-weight: 800;
    font-size: 3rem;
    color: var(--sl-ink);
    line-height: 1;
    margin-bottom: var(--gap-2xs);
}

.sl-tier-amount span { font-size: 1rem; font-weight: 500; color: var(--sl-stone-500); }
.sl-tier--featured .sl-tier-amount span { color: var(--sl-stone-300); }

.sl-tier-period {
    color: var(--sl-stone-500);
    font-size: 0.9rem;
    margin-bottom: var(--gap-md);
}

.sl-tier-features {
    list-style: none;
    padding: 0;
    margin: var(--gap-md) 0 var(--gap-lg);
    text-align: left;
}

.sl-tier-features li {
    padding-left: 1.6em;
    position: relative;
    margin-bottom: var(--gap-2xs);
    font-size: 0.95rem;
    color: var(--sl-stone-700);
}

.sl-tier--featured .sl-tier-features li { color: rgba(250, 250, 247, 0.85); }

.sl-tier-features li::before {
    content: '';
    position: absolute;
    left: 0;
    top: 0.4em;
    width: 16px;
    height: 8px;
    border-left: 2px solid var(--sl-accent);
    border-bottom: 2px solid var(--sl-accent);
    transform: rotate(-45deg);
}

/* ============================================================
   TEAM
   ============================================================ */

.sl-team-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
    gap: var(--gap-lg);
}

.sl-team-card {
    text-align: center;
    padding: var(--gap-md);
}

.sl-team-photo {
    width: 160px;
    height: 160px;
    margin: 0 auto var(--gap-md);
    border-radius: 50%;
    background: linear-gradient(135deg, var(--sl-stone-50) 0%, var(--sl-stone-100) 100%);
    display: flex;
    align-items: center;
    justify-content: center;
    overflow: hidden;
    border: 4px solid var(--sl-cream);
    box-shadow: 0 8px 30px rgba(11, 31, 58, 0.12);
}

.sl-team-photo svg { width: 100%; height: 100%; }

.sl-team-name {
    font-family: var(--font-display);
    font-weight: 700;
    font-size: 1.2rem;
    color: var(--sl-ink);
    margin: 0 0 var(--gap-3xs);
}

.sl-team-role {
    font-family: var(--font-display);
    font-size: 0.85rem;
    color: var(--sl-accent-deep);
    text-transform: uppercase;
    letter-spacing: 0.1em;
    font-weight: 600;
    margin: 0 0 var(--gap-sm);
}

.sl-team-bio {
    font-size: 0.93rem;
    color: var(--sl-stone-700);
    line-height: 1.55;
}

/* ============================================================
   FAQ ACCORDION
   ============================================================ */

.sl-faq { max-width: 780px; margin: 0 auto; }

.sl-faq-item {
    background: var(--sl-white);
    border: 1px solid var(--sl-stone-100);
    border-radius: var(--radius-md);
    margin-bottom: var(--gap-sm);
    overflow: hidden;
    transition: border-color var(--t);
}

.sl-faq-item:hover { border-color: var(--sl-stone-300); }

.sl-faq-item summary {
    list-style: none;
    cursor: pointer;
    padding: var(--gap-md) var(--gap-lg);
    font-family: var(--font-display);
    font-weight: 600;
    font-size: 1.05rem;
    color: var(--sl-ink);
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: var(--gap-md);
}

.sl-faq-item summary::-webkit-details-marker { display: none; }

.sl-faq-item summary::after {
    content: '+';
    flex-shrink: 0;
    font-family: var(--font-display);
    font-size: 1.5rem;
    color: var(--sl-accent-deep);
    transition: transform var(--t);
}

.sl-faq-item[open] summary::after { transform: rotate(45deg); }

.sl-faq-body {
    padding: 0 var(--gap-lg) var(--gap-lg);
    color: var(--sl-stone-700);
    line-height: 1.7;
}

/* ============================================================
   CTA STRIP
   ============================================================ */

.sl-cta-strip {
    background: var(--sl-ink);
    color: var(--sl-cream);
    border-radius: var(--radius-xl);
    padding: var(--gap-2xl);
    text-align: center;
    margin: var(--gap-2xl) auto;
    max-width: var(--container-narrow);
    position: relative;
    overflow: hidden;
}

.sl-cta-strip::before {
    content: '';
    position: absolute;
    inset: 0;
    background: radial-gradient(circle at 90% 10%, rgba(0, 199, 183, 0.2), transparent 60%);
    pointer-events: none;
}

.sl-cta-strip h2 {
    color: var(--sl-cream);
    margin-bottom: var(--gap-sm);
    position: relative;
}

.sl-cta-strip p {
    color: rgba(250, 250, 247, 0.78);
    max-width: 52ch;
    margin: 0 auto var(--gap-md);
    position: relative;
}

.sl-cta-strip .sl-hero-actions { justify-content: center; position: relative; }

/* ============================================================
   PORTFOLIO ALLOCATIONS BAR
   ============================================================ */

.sl-allocation {
    background: var(--sl-white);
    border-radius: var(--radius-lg);
    padding: var(--gap-lg);
    border: 1px solid var(--sl-stone-100);
}

.sl-allocation-bar {
    display: flex;
    height: 48px;
    border-radius: var(--radius-sm);
    overflow: hidden;
    margin-bottom: var(--gap-md);
}

.sl-allocation-bar > div {
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--sl-cream);
    font-family: var(--font-display);
    font-weight: 600;
    font-size: 0.9rem;
    padding: 0 0.5em;
}

.sl-allocation-legend {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(160px, 1fr));
    gap: var(--gap-sm);
}

.sl-allocation-legend > div {
    display: flex;
    align-items: center;
    gap: var(--gap-2xs);
    font-size: 0.92rem;
}

.sl-allocation-dot {
    width: 14px;
    height: 14px;
    border-radius: 4px;
    flex-shrink: 0;
}

/* ============================================================
   ARTICLE CARD (BLOG)
   ============================================================ */

.sl-articles {
    display: grid;
    grid-template-columns: repeat(auto-fill, minmax(300px, 1fr));
    gap: var(--gap-lg);
}

.sl-article-card {
    background: var(--sl-white);
    border-radius: var(--radius-lg);
    overflow: hidden;
    border: 1px solid var(--sl-stone-100);
    transition: all var(--t);
    display: flex;
    flex-direction: column;
}

.sl-article-card:hover {
    transform: translateY(-3px);
    box-shadow: var(--shadow-md);
}

.sl-article-thumb {
    aspect-ratio: 16/10;
    background: linear-gradient(135deg, var(--sl-stone-50), var(--sl-stone-100));
    display: flex;
    align-items: center;
    justify-content: center;
    overflow: hidden;
}

.sl-article-thumb svg { width: 60%; height: 60%; }

.sl-article-body {
    padding: var(--gap-md) var(--gap-lg) var(--gap-lg);
    flex: 1;
    display: flex;
    flex-direction: column;
}

.sl-article-meta {
    font-family: var(--font-display);
    font-size: 0.78rem;
    text-transform: uppercase;
    letter-spacing: 0.1em;
    color: var(--sl-accent-deep);
    font-weight: 700;
    margin-bottom: var(--gap-2xs);
}

.sl-article-title {
    font-family: var(--font-display);
    font-weight: 700;
    font-size: 1.15rem;
    line-height: 1.3;
    margin-bottom: var(--gap-2xs);
}

.sl-article-title a { color: var(--sl-ink); text-decoration: none; }

.sl-article-excerpt {
    color: var(--sl-stone-700);
    font-size: 0.92rem;
    flex: 1;
    margin-bottom: var(--gap-sm);
}

.sl-article-link {
    font-family: var(--font-display);
    font-weight: 600;
    font-size: 0.92rem;
    color: var(--sl-ink);
    text-decoration: none;
    display: inline-flex;
    align-items: center;
    gap: 0.3em;
}

.sl-article-link::after { content: '→'; transition: transform var(--t); }
.sl-article-link:hover::after { transform: translateX(3px); }

/* ============================================================
   PAGE HEADER
   ============================================================ */

.sl-page-header {
    padding: var(--gap-2xl) 0 var(--gap-xl);
    text-align: center;
    background: linear-gradient(180deg, var(--sl-stone-50), var(--sl-cream));
    border-bottom: 1px solid var(--sl-stone-100);
}

.sl-page-header h1 { margin-bottom: var(--gap-sm); }
.sl-page-header .sl-lead { margin: 0 auto; }

/* ============================================================
   FOOTER
   ============================================================ */

.sl-footer {
    background: var(--sl-ink);
    color: rgba(250, 250, 247, 0.7);
    padding: var(--gap-2xl) 0 var(--gap-md);
    margin-top: var(--gap-3xl);
}

.sl-footer-grid {
    display: grid;
    grid-template-columns: 1.4fr repeat(3, 1fr);
    gap: var(--gap-xl);
    margin-bottom: var(--gap-2xl);
}

@media (max-width: 768px) {
    .sl-footer-grid { grid-template-columns: 1fr; gap: var(--gap-lg); }
}

.sl-footer h4 {
    color: var(--sl-cream);
    font-size: 0.85rem;
    text-transform: uppercase;
    letter-spacing: 0.12em;
    margin-bottom: var(--gap-md);
}

.sl-footer ul { list-style: none; padding: 0; margin: 0; }
.sl-footer li { margin-bottom: var(--gap-2xs); }
.sl-footer a {
    color: rgba(250, 250, 247, 0.7);
    text-decoration: none;
    font-size: 0.93rem;
    transition: color var(--t);
}
.sl-footer a:hover { color: var(--sl-accent); }

.sl-footer-brand {
    color: var(--sl-cream);
    font-family: var(--font-display);
    font-weight: 800;
    font-size: 1.4rem;
    margin-bottom: var(--gap-sm);
    display: flex;
    align-items: center;
    gap: 0.5rem;
}

.sl-footer-tagline {
    color: rgba(250, 250, 247, 0.6);
    font-size: 0.93rem;
    max-width: 32ch;
}

.sl-footer-bottom {
    border-top: 1px solid rgba(250, 250, 247, 0.1);
    padding-top: var(--gap-md);
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: var(--gap-sm);
    flex-wrap: wrap;
    font-size: 0.86rem;
    color: rgba(250, 250, 247, 0.5);
}

.sl-footer-disclaimer {
    margin-top: var(--gap-md);
    padding-top: var(--gap-md);
    border-top: 1px solid rgba(250, 250, 247, 0.06);
    font-size: 0.78rem;
    color: rgba(250, 250, 247, 0.42);
    line-height: 1.55;
}

/* ============================================================
   UTILITIES
   ============================================================ */

.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;
}

.text-center { text-align: center; }
.mt-sm { margin-top: var(--gap-sm); }
.mt-md { margin-top: var(--gap-md); }
.mt-lg { margin-top: var(--gap-lg); }
.mt-xl { margin-top: var(--gap-xl); }
.mb-sm { margin-bottom: var(--gap-sm); }
.mb-md { margin-bottom: var(--gap-md); }
.mb-lg { margin-bottom: var(--gap-lg); }