/* BlueSky AML — one-page site
   Layout: single column of full-width bands (white / ice / navy), content held to a 1160px measure;
   section heads pair a letter-spaced label with a serif title; Montserrat echoes the logo wordmark. */
:root {
  --navy: #0A2A55;
  --navy-900: #071F40;
  --blue: #0866C6;
  --blue-700: #0756A8;
  --sky: #1E90E8;
  --sky-200: #9ED0FF;
  --ice: #EEF5FD;
  --line: #DCE6F2;
  --line-dark: #1E3D66;
  --text: #2B4163;
  --muted: #536781;
  --white: #FFFFFF;
  --ok-bg: #E5F5EB; --ok-fg: #1B6638;
  --warn-bg: #FFF1DE; --warn-fg: #844700;

  --f-display: "Montserrat", "Segoe UI", "Helvetica Neue", Arial, sans-serif;
  --f-body: "Source Sans 3", "Segoe UI", "Helvetica Neue", Arial, sans-serif;
  --f-serif: "Source Serif 4", Georgia, "Times New Roman", serif;

  --measure: 1160px;
  --gutter: clamp(16px, 4vw, 32px);
  --band: clamp(64px, 9vw, 104px);
  --radius: 12px;
  color-scheme: light;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: 96px; -webkit-text-size-adjust: 100%; }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } * { transition: none !important; } }
body {
  margin: 0; background: var(--white); color: var(--text);
  font-family: var(--f-body); font-size: 18px; line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; height: auto; display: block; }
a { color: var(--blue); text-underline-offset: 3px; }
a:hover { color: var(--navy); }
:focus-visible { outline: 3px solid var(--sky); outline-offset: 3px; border-radius: 4px; }
h1, h2, h3 { color: var(--navy); text-wrap: balance; margin: 0; }
p { margin: 0; }
ul, ol { margin: 0; padding: 0; }
[hidden] { display: none !important; }

.wrap { max-width: var(--measure); margin-inline: auto; padding-inline: var(--gutter); }
.band { padding-block: var(--band); }
.band--ice { background: var(--ice); }
.band--navy { background: var(--navy); color: #D3E1F2; }
.stack { display: flex; flex-direction: column; gap: 16px; }
.measure { max-width: 68ch; }

.skip { position: absolute; left: 12px; top: -60px; background: var(--navy); color: var(--white); padding: 10px 16px; border-radius: 8px; z-index: 100; font-weight: 700; }
.skip:focus { top: 12px; color: var(--white); }

/* labels and headings */
.label { font-family: var(--f-display); font-weight: 700; font-size: 13px; letter-spacing: .16em; text-transform: uppercase; color: var(--blue); }
.band--navy .label { color: var(--sky-200); }
h1 { font-family: var(--f-display); font-weight: 800; font-size: clamp(34px, 5vw, 56px); line-height: 1.08; letter-spacing: -.02em; }
h2 { font-family: var(--f-serif); font-weight: 600; font-size: clamp(28px, 3.4vw, 40px); line-height: 1.18; }
h3 { font-family: var(--f-display); font-weight: 700; font-size: 19px; line-height: 1.3; }
.band--navy h2, .band--navy h3 { color: var(--white); }
.lead { font-size: 20px; color: var(--text); }
.sec-head { display: flex; flex-direction: column; gap: 12px; margin-bottom: 40px; max-width: 820px; }

/* buttons */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 8px; min-height: 48px; padding: 12px 24px; border-radius: 8px; font-family: var(--f-body); font-weight: 700; font-size: 17px; text-decoration: none; border: 1.5px solid transparent; cursor: pointer; line-height: 1.2; }
.btn--primary { background: var(--blue); color: var(--white); }
.btn--primary:hover { background: var(--blue-700); color: var(--white); }
.btn--ghost { background: var(--white); color: var(--navy); border-color: #B5C9E2; }
.btn--ghost:hover { border-color: var(--blue); color: var(--navy); }
.btn--lg { min-height: 54px; font-size: 18px; padding: 14px 28px; }
.btn-row { display: flex; flex-wrap: wrap; gap: 12px; }

/* header */
.site-header { position: sticky; top: env(safe-area-inset-top, 0px); z-index: 50; background: var(--white); border-bottom: 1px solid var(--line); }
.site-header .wrap { display: flex; align-items: center; justify-content: space-between; gap: 16px; min-height: 76px; }
.brand img { height: 52px; width: auto; }
.nav { display: flex; align-items: center; gap: 24px; }
.nav a { font-weight: 600; font-size: 16px; color: var(--navy); text-decoration: none; padding-block: 12px; }
.nav a:hover { color: var(--blue); }
.nav .btn { color: var(--white); padding: 10px 20px; min-height: 44px; font-size: 16px; }
.nav-toggle { display: none; align-items: center; gap: 8px; min-height: 44px; padding: 8px 14px; background: var(--white); border: 1.5px solid var(--line); border-radius: 8px; font: 700 16px var(--f-body); color: var(--navy); cursor: pointer; }
.nav-toggle svg { width: 20px; height: 20px; }

@media (max-width: 1080px) {
  .nav-toggle { display: inline-flex; }
  .nav { display: none; position: absolute; left: 0; right: 0; top: 100%; background: var(--white); border-bottom: 1px solid var(--line); flex-direction: column; align-items: stretch; gap: 0; padding: 8px var(--gutter) 20px; box-shadow: 0 16px 32px rgba(10, 42, 85, .1); }
  .nav.is-open { display: flex; }
  .nav a { padding: 14px 0; border-bottom: 1px solid var(--line); }
  .nav .btn { margin-top: 14px; border-bottom: 0; }
  .brand img { height: 44px; }
}
/* without JavaScript, keep the menu visible */
.no-js .nav { display: flex; position: static; box-shadow: none; flex-wrap: wrap; }
.no-js .nav-toggle { display: none; }

/* hero */
.hero { background: var(--ice); border-bottom: 1px solid var(--line); }
.hero .wrap { display: grid; grid-template-columns: minmax(0, 1.15fr) minmax(0, .85fr); gap: clamp(32px, 5vw, 64px); align-items: center; padding-block: clamp(56px, 8vw, 96px); }
.hero-copy { display: flex; flex-direction: column; gap: 22px; min-width: 0; }
.hero-promise { font-family: var(--f-display); font-weight: 700; font-size: clamp(19px, 2vw, 23px); color: var(--blue); line-height: 1.35; }
.hero-facts { display: flex; flex-wrap: wrap; gap: 8px 22px; list-style: none; font-size: 16px; color: var(--muted); }
.hero-facts li { display: flex; align-items: center; gap: 8px; }
.tick { width: 18px; height: 18px; flex: 0 0 18px; color: var(--blue); }
@media (max-width: 900px) { .hero .wrap { grid-template-columns: minmax(0, 1fr); } }

/* portal preview */
.portal { background: var(--white); border: 1px solid var(--line); border-radius: 16px; box-shadow: 0 24px 60px rgba(10, 42, 85, .14); overflow: hidden; max-width: 460px; width: 100%; justify-self: center; font-size: 15px; }
.portal-caption { font-size: 13px; color: var(--muted); text-align: center; margin-top: 10px; }
.portal-top { padding: 16px 20px; border-bottom: 1px solid var(--line); display: flex; justify-content: space-between; align-items: center; gap: 12px; }
.portal-firm { font-weight: 700; color: var(--navy); font-size: 16px; }
.portal-sub { color: var(--muted); font-size: 14px; }
.pill { font-size: 13px; font-weight: 700; padding: 4px 10px; border-radius: 999px; white-space: nowrap; }
.pill--blue { background: #E3F0FF; color: #0A54A0; }
.pill--ok { background: var(--ok-bg); color: var(--ok-fg); }
.pill--warn { background: var(--warn-bg); color: var(--warn-fg); }
.portal-progress { padding: 16px 20px; border-bottom: 1px solid var(--line); display: flex; flex-direction: column; gap: 10px; }
.portal-progress .row { display: flex; justify-content: space-between; font-weight: 600; font-size: 14px; color: var(--navy); }
.portal-progress .row span:last-child { color: var(--muted); }
.bar { height: 8px; background: #E4EDF7; border-radius: 999px; overflow: hidden; }
.bar span { display: block; height: 100%; width: 53%; background: var(--blue); border-radius: 999px; }
.portal-list { list-style: none; padding: 6px 20px 14px; }
.portal-list li { display: flex; justify-content: space-between; align-items: center; gap: 12px; padding: 10px 0; border-bottom: 1px solid #EEF2F7; color: var(--navy); }
.portal-list li:last-child { border-bottom: 0; }

/* trust strip */
.strip { border-bottom: 1px solid var(--line); }
.strip ul { list-style: none; display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); }
.strip li { padding: 22px 24px; display: flex; gap: 14px; align-items: flex-start; font-size: 16px; color: var(--text); }
.strip li + li { border-left: 1px solid var(--line); }
.strip strong { display: block; color: var(--navy); font-family: var(--f-display); font-size: 15px; }
@media (max-width: 820px) { .strip ul { grid-template-columns: minmax(0, 1fr); } .strip li + li { border-left: 0; border-top: 1px solid var(--line); } .strip li { padding-inline: 0; } }

/* generic two-column split with divider */
.split { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: 48px 64px; }
.split > * { min-width: 0; }
.split .divided { border-left: 1px solid var(--line); padding-left: 48px; }
@media (max-width: 860px) { .split { grid-template-columns: minmax(0, 1fr); } .split .divided { border-left: 0; padding-left: 0; border-top: 1px solid var(--line); padding-top: 36px; } }

.icon-item { display: flex; gap: 20px; align-items: flex-start; }
.icon-circle { flex: 0 0 60px; width: 60px; height: 60px; border-radius: 999px; background: var(--ice); display: flex; align-items: center; justify-content: center; color: var(--blue); }
.band--ice .icon-circle { background: var(--white); border: 1.5px solid #C4D8EE; }
.icon-circle svg { width: 28px; height: 28px; }
.icon-item p { font-size: 17px; }

/* columns with hairline dividers */
.cols { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); }
.cols > div { padding: 4px 28px 8px; border-left: 1px solid #CFDDEE; display: flex; flex-direction: column; gap: 12px; }
.cols p { font-size: 17px; }
@media (max-width: 1080px) { .cols { grid-template-columns: repeat(2, minmax(0, 1fr)); row-gap: 32px; } }
@media (max-width: 640px) { .cols { grid-template-columns: minmax(0, 1fr); gap: 28px; } .cols > div { padding: 0 0 0 20px; } }

/* rule grid */
.rule-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 16px; list-style: none; }
.rule-grid li { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: 22px; display: flex; flex-direction: column; gap: 8px; }
.rule-grid .cite { font-family: var(--f-display); font-weight: 700; font-size: 13px; letter-spacing: .08em; color: var(--blue); }
.rule-grid p { font-size: 16.5px; }
@media (max-width: 960px) { .rule-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (max-width: 600px) { .rule-grid { grid-template-columns: minmax(0, 1fr); } }

.subsection { margin-top: 64px; }
.prose { display: flex; flex-direction: column; gap: 16px; max-width: 70ch; }
.checklist { list-style: none; display: flex; flex-direction: column; gap: 14px; }
.checklist li { display: flex; gap: 12px; align-items: flex-start; }
.checklist .tick { margin-top: 5px; }
.checklist strong { color: var(--navy); }
.callout { border-top: 1px solid #CFDDEE; padding-top: 20px; font-weight: 700; color: var(--blue); }

/* firm-type panels */
.firm-panels { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 20px; }
.panel { background: var(--white); border: 1px solid var(--line); border-radius: 16px; padding: clamp(24px, 3vw, 36px); display: flex; flex-direction: column; gap: 16px; min-width: 0; }
.panel ul { list-style: none; display: flex; flex-direction: column; gap: 12px; }
.panel li { padding-left: 18px; position: relative; font-size: 17px; }
.panel li::before { content: ""; position: absolute; left: 0; top: .62em; width: 7px; height: 7px; border-radius: 2px; background: var(--sky); }
.panel li strong { color: var(--navy); }
@media (max-width: 860px) { .firm-panels { grid-template-columns: minmax(0, 1fr); } }

.cover-grid { list-style: none; display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 12px 40px; }
.cover-grid li { display: flex; gap: 12px; align-items: flex-start; padding: 12px 0; border-bottom: 1px solid var(--line); }
.cover-grid .tick { margin-top: 5px; }
@media (max-width: 700px) { .cover-grid { grid-template-columns: minmax(0, 1fr); } }

/* process timeline */
.timeline { list-style: none; display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); counter-reset: step; }
.timeline li { padding: 0 20px 8px; border-left: 1px solid var(--line); display: flex; flex-direction: column; gap: 10px; min-width: 0; }
.timeline .num { width: 48px; height: 48px; border-radius: 999px; background: var(--ice); color: var(--blue); font: 700 17px var(--f-display); display: flex; align-items: center; justify-content: center; }
.timeline li:last-child .num { background: var(--blue); color: var(--white); }
.timeline .when { font: 700 12.5px var(--f-display); letter-spacing: .12em; text-transform: uppercase; color: var(--blue); }
.timeline p { font-size: 16.5px; }
@media (max-width: 1000px) { .timeline { grid-template-columns: minmax(0, 1fr); gap: 0; } .timeline li { display: grid; grid-template-columns: 48px minmax(0, 1fr); column-gap: 18px; row-gap: 4px; padding: 0 0 28px; border-left: 0; position: relative; } .timeline li > :not(.num) { grid-column: 2; } .timeline .num { grid-row: 1 / span 3; } .timeline li:not(:last-child)::after { content: ""; position: absolute; left: 23px; top: 52px; bottom: 4px; width: 2px; background: var(--line); } }
.fineprint { margin-top: 28px; font-size: 15.5px; color: var(--muted); max-width: 80ch; }

.price-card { background: var(--navy); color: #D3E1F2; border-radius: 16px; padding: clamp(28px, 3vw, 40px); display: flex; flex-direction: column; gap: 16px; }
.price { font: 800 clamp(44px, 5vw, 60px)/1 var(--f-display); color: var(--white); letter-spacing: -.02em; }
.price small { font-size: 18px; font-weight: 600; color: var(--sky-200); letter-spacing: 0; }
.price-card h3 { color: var(--white); }
.price-card .label { color: var(--sky-200); }
.price-card ul { list-style: none; display: flex; flex-direction: column; gap: 10px; }
.price-card li { display: flex; gap: 10px; align-items: flex-start; font-size: 17px; }
.price-card .tick { color: var(--sky-200); margin-top: 5px; }

/* FAQ */
.faq { display: flex; flex-direction: column; gap: 12px; max-width: 880px; }
.faq details { border: 1px solid var(--line); border-radius: var(--radius); background: var(--white); }
.faq summary { list-style: none; cursor: pointer; padding: 20px 24px; display: flex; justify-content: space-between; align-items: center; gap: 16px; font-weight: 700; font-size: 18.5px; color: var(--navy); }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; font: 400 28px/1 var(--f-display); color: var(--blue); transition: transform .2s; }
.faq details[open] summary::after { transform: rotate(45deg); }
.faq .answer { padding: 0 24px 22px; display: flex; flex-direction: column; gap: 12px; }

/* about */
.about-grid { display: grid; grid-template-columns: 260px minmax(0, 1fr); gap: 48px; align-items: start; }
.photo-slot { aspect-ratio: 4 / 5; width: 100%; border-radius: 16px; background: var(--ice); border: 1.5px dashed #A9C4E3; display: flex; align-items: center; justify-content: center; text-align: center; color: var(--muted); font-size: 15px; padding: 16px; }
.placeholder { background: #FFF6E5; border: 1px dashed #E2B65C; border-radius: 8px; padding: 14px 16px; color: #6B4A00; font-size: 16px; }
@media (max-width: 760px) { .about-grid { grid-template-columns: minmax(0, 1fr); } }

/* contact */
.contact-grid { display: grid; grid-template-columns: minmax(0, .9fr) minmax(0, 1.1fr); gap: 56px; align-items: start; }
@media (max-width: 900px) { .contact-grid { grid-template-columns: minmax(0, 1fr); } }
.next-steps { list-style: none; display: flex; flex-direction: column; gap: 18px; counter-reset: n; }
.next-steps li { display: grid; grid-template-columns: 36px minmax(0, 1fr); gap: 14px; align-items: start; color: #D3E1F2; }
.next-steps li::before { counter-increment: n; content: counter(n); width: 36px; height: 36px; border-radius: 999px; background: var(--blue); color: var(--white); font: 700 16px/36px var(--f-display); text-align: center; }
.next-steps strong { color: var(--white); }
.contact-alt { border-top: 1px solid var(--line-dark); padding-top: 22px; display: flex; flex-direction: column; gap: 6px; font-size: 17px; }
.contact-alt a { color: var(--white); }

.form-card { background: var(--white); color: var(--text); border-radius: 16px; padding: clamp(22px, 3vw, 36px); box-shadow: 0 24px 60px rgba(0, 0, 0, .25); }
.form { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 18px; }
.field { display: flex; flex-direction: column; gap: 6px; min-width: 0; }
.field--full { grid-column: 1 / -1; }
.field label { font-weight: 700; font-size: 15px; color: var(--navy); }
.field .opt { font-weight: 400; color: var(--muted); }
.field input, .field select, .field textarea { font: inherit; font-size: 17px; color: var(--navy); background: var(--white); border: 1px solid #A9BCD4; border-radius: 8px; padding: 11px 13px; min-height: 48px; width: 100%; }
.field textarea { min-height: 96px; resize: vertical; }
.field input:focus, .field select:focus, .field textarea:focus { outline: 3px solid var(--sky-200); outline-offset: 0; border-color: var(--blue); }
.field [aria-invalid="true"] { border-color: #B42318; }
.field .err { color: #B42318; font-size: 14.5px; font-weight: 600; }
.form .btn { grid-column: 1 / -1; width: 100%; }
.form-note { grid-column: 1 / -1; font-size: 14.5px; color: var(--muted); }
@media (max-width: 560px) { .form { grid-template-columns: minmax(0, 1fr); } }
.thanks { display: flex; flex-direction: column; gap: 12px; padding: 12px 0; }
.thanks h3 { font-family: var(--f-serif); font-size: 26px; font-weight: 600; }

/* footer */
.site-footer { background: var(--navy-900); color: #B9CBE0; font-size: 15.5px; }
.site-footer .top { display: flex; flex-wrap: wrap; justify-content: space-between; gap: 32px 48px; padding-block: 44px 28px; }
.foot-brand { display: flex; flex-direction: column; gap: 10px; }
.foot-brand img { height: 52px; width: auto; }
.foot-brand .tagline { font: 700 12px var(--f-display); letter-spacing: .22em; color: var(--sky-200); }
.foot-col { display: flex; flex-direction: column; gap: 8px; }
.foot-col h2 { font: 700 13px var(--f-display); letter-spacing: .14em; text-transform: uppercase; color: var(--white); margin-bottom: 4px; }
.foot-col a { color: #D3E1F2; text-decoration: none; }
.foot-col a:hover { color: var(--white); text-decoration: underline; }
.site-footer .bottom { border-top: 1px solid var(--line-dark); padding-block: 18px 28px; font-size: 14px; color: #9FB3CC; display: flex; flex-direction: column; gap: 6px; }
.placeholder-inline { background: #FFF6E5; color: #6B4A00; padding: 1px 6px; border-radius: 4px; }

/* section-aware menu */
.nav a:not(.btn) { position: relative; }
.nav a.is-active:not(.btn) { color: var(--blue); }
.nav a.is-active:not(.btn)::after { content: ""; position: absolute; left: 0; right: 0; bottom: 4px; height: 2px; background: var(--blue); border-radius: 2px; }
@media (max-width: 1080px) { .nav a.is-active:not(.btn)::after { display: none; } }

/* merged focus section */
.h-serif { font-family: var(--f-serif); font-weight: 600; font-size: clamp(24px, 2.6vw, 32px); line-height: 1.2; }
.panels-intro { margin: 56px 0 20px; }
.panel-head { display: flex; align-items: center; gap: 16px; }
.panel-head h3 { margin: 0; }
.firm-panels + .callout { margin-top: 32px; }
.role { font: 600 17px var(--f-body); color: var(--muted); margin-top: -4px; }

/* surfaces on tinted bands */
.band--ice .timeline li:not(:last-child) .num { background: var(--white); border: 1.5px solid #C4D8EE; }
.band--ice .photo-slot { background: var(--white); }
.band--ice .portal-list li { border-color: #EEF2F7; }

/* about: contact under photo */
.about-side { display: flex; flex-direction: column; gap: 14px; max-width: 260px; width: 100%; }
.about-contact { display: flex; flex-direction: column; gap: 2px; }
.about-contact a { display: flex; align-items: center; gap: 10px; min-height: 44px; font-weight: 600; font-size: 16px; color: var(--navy); text-decoration: none; overflow-wrap: anywhere; }
.about-contact a:hover { color: var(--blue); text-decoration: underline; }
.about-contact svg { width: 20px; height: 20px; flex: 0 0 20px; color: var(--blue); }

/* footer: due diligence documents */
.foot-col .doc-soon { color: #C9D8EA; }
.foot-col .doc-soon small { display: block; font-size: 12.5px; color: #9FB3CC; }
.foot-col a.doc { display: inline-flex; gap: 6px; align-items: baseline; }
.foot-col a.doc small { font-size: 12px; color: #9FB3CC; }

.photo { width: 100%; height: auto; aspect-ratio: 4 / 5; object-fit: cover; border-radius: 16px; box-shadow: 0 16px 40px rgba(10, 42, 85, .14); }

/* Reg S-P / due diligence band */
.band--tight { padding-block: clamp(48px, 6vw, 72px) 0; }
.regsp { background: var(--navy); color: #D3E1F2; border-radius: 20px; padding: clamp(28px, 4vw, 52px); display: grid; grid-template-columns: minmax(0, 1.15fr) minmax(0, .85fr); gap: clamp(28px, 4vw, 56px); align-items: center; }
.regsp h2 { color: var(--white); }
.regsp .label { color: var(--sky-200); }
.regsp-facts { list-style: none; display: flex; flex-direction: column; gap: 10px; margin-top: 4px; }
.regsp-facts li { display: flex; gap: 10px; align-items: flex-start; font-size: 17px; }
.regsp-facts .tick { color: var(--sky-200); margin-top: 5px; }
.regsp-facts strong { color: var(--white); }
.dd-card { background: var(--white); color: var(--text); border-radius: 16px; padding: 24px 24px 12px; }
.dd-card h3 { font-size: 17px; margin-bottom: 8px; }
.dd-list { list-style: none; }
.dd-list li + li { border-top: 1px solid var(--line); }
.dd-row { display: flex; align-items: center; gap: 12px; min-height: 52px; padding: 8px 2px; color: var(--navy); font-weight: 700; text-decoration: none; }
.dd-row svg { width: 22px; height: 22px; flex: 0 0 22px; color: var(--blue); }
.dd-row span { flex: 1 1 auto; }
.dd-row small { font: 700 12px var(--f-display); letter-spacing: .08em; text-transform: uppercase; color: var(--blue); }
a.dd-row:hover span { color: var(--blue); text-decoration: underline; }
.dd-row.is-soon { color: var(--muted); }
@media (max-width: 900px) { .regsp { grid-template-columns: minmax(0, 1fr); } }

/* Reg S-P panel inside Why BlueSky */
.regsp-panel { margin-top: 48px; background: var(--white); border: 1px solid #CFDDEE; border-radius: 18px; padding: clamp(24px, 3.5vw, 44px); display: grid; grid-template-columns: minmax(0, 1.2fr) minmax(0, .8fr); gap: clamp(24px, 4vw, 52px); align-items: center; scroll-margin-top: 96px; }
.regsp-panel .dd-card { background: var(--ice); padding: 22px 22px 10px; }
.regsp-panel .dd-card h4 { margin: 0 0 6px; font: 700 16px var(--f-display); color: var(--navy); }
.regsp-panel .dd-list li + li { border-top-color: #D3E1F0; }
@media (max-width: 900px) { .regsp-panel { grid-template-columns: minmax(0, 1fr); } }

.risk-based { margin-top: 48px; max-width: 76ch; }
.band--ice .rule-grid li { border-color: #D3E1F0; }

.panels-intro--top { margin-top: 0; }

/* portal: bullets beside a real screenshot */
.portal-how { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 420px); gap: clamp(28px, 5vw, 64px); align-items: center; }
.shot { margin: 0; display: flex; flex-direction: column; gap: 12px; }
.shot img { width: 100%; max-width: 420px; height: auto; border-radius: 14px; border: 1px solid var(--line); box-shadow: 0 18px 44px rgba(10, 42, 85, .12); background: var(--white); }
.shot figcaption { font-size: 15px; color: var(--muted); }
@media (max-width: 860px) { .portal-how { grid-template-columns: minmax(0, 1fr); } .shot { max-width: 420px; } }