/* Credit Coalition — Premium Fintech Redesign */

@import url('https://fonts.googleapis.com/css2?family=DM+Sans:opsz,wght@9..40,400;9..40,500;9..40,600&family=Outfit:wght@300;400;500;600;700;800;900&display=swap');

:root {
  --navy: #0F172A;
  --navy-light: #1E293B;
  --navy-dark: #020617;
  --gold: #D4AF37;
  --gold-hover: #C5A028;
  --gold-light: #FCEFB4;
  --gold-ghost: rgba(212, 175, 55, 0.15);
  
  --text-main: #334155;
  --text-muted: #64748b;
  --text-ghost: #cbd5e1;
  
  --bg-main: #FAFAFA;
  --bg-surface: #FFFFFF;
  --bg-alt: #F1F5F9;
  
  --font-heading: 'Outfit', sans-serif;
  --font-body: 'DM Sans', sans-serif;
  
  --radius-sm: 12px;
  --radius-md: 24px;
  --radius-lg: 32px;
  --radius-full: 9999px;
  
  --shadow-sm: 0 4px 20px rgba(15, 23, 42, 0.03);
  --shadow-md: 0 12px 40px rgba(15, 23, 42, 0.06);
  --shadow-lg: 0 24px 60px rgba(15, 23, 42, 0.08);
  --shadow-gold: 0 8px 30px rgba(212, 175, 55, 0.25);
}

/* Reset & Base */
* { margin: 0; padding: 0; box-sizing: border-box; }

body {
  font-family: var(--font-body);
  color: var(--text-main);
  font-size: 17px;
  line-height: 1.6;
  background: var(--bg-main);
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
}

h1, h2, h3, h4, h5 { 
  font-family: var(--font-heading); 
  color: var(--navy); 
  line-height: 1.1; 
  letter-spacing: -0.02em;
}

img { max-width: 100%; height: auto; display: block; border-radius: var(--radius-md); }
a { color: var(--navy); text-decoration: none; transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1); }
ul { list-style: none; }

.container { max-width: 1440px; margin: 0 auto; padding: 0 40px; }

/* Buttons */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 18px 42px;
  font-family: var(--font-heading);
  font-weight: 600;
  font-size: 15px;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  border-radius: var(--radius-full);
  transition: all 0.4s cubic-bezier(0.16, 1, 0.3, 1);
  cursor: pointer;
  border: none;
  text-align: center;
  position: relative;
  overflow: hidden;
  z-index: 1;
}

.btn::before {
  content: '';
  position: absolute;
  top: 0; left: 0; width: 100%; height: 100%;
  background: rgba(255,255,255,0.2);
  transform: scaleX(0);
  transform-origin: right;
  transition: transform 0.4s cubic-bezier(0.16, 1, 0.3, 1);
  z-index: -1;
}
.btn:hover::before { transform: scaleX(1); transform-origin: left; }

.btn-gold { 
  background: var(--navy); 
  color: #ffffff !important; 
  box-shadow: var(--shadow-sm);
}
.btn-gold:hover { 
  background: var(--navy-dark); 
  transform: translateY(-2px);
  box-shadow: var(--shadow-md);
}

.btn-outline { 
  border: 1px solid rgba(15, 23, 42, 0.1); 
  color: var(--navy) !important; 
  background: var(--bg-surface); 
}
.btn-outline:hover { 
  border-color: var(--navy); 
  background: var(--bg-surface); 
  transform: translateY(-2px);
  box-shadow: var(--shadow-sm);
}

/* Header */
.site-header {
  background: rgba(250, 250, 250, 0.8);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  border-bottom: 1px solid rgba(15, 23, 42, 0.03);
  transition: all 0.4s ease;
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 100px;
}

.brand img { 
  height: 44px; 
  width: auto;
  border-radius: 0; 
  transition: opacity 0.3s ease;
}
.brand:hover img { opacity: 0.8; }

.main-nav { display: flex; align-items: center; gap: 40px; }
.main-nav > a, .nav-dropdown > a {
  font-family: var(--font-heading);
  font-weight: 600;
  font-size: 13px;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--text-main);
  position: relative;
  padding: 8px 0;
}

.main-nav > a::after {
  content: '';
  position: absolute;
  bottom: 0; left: 0; width: 4px; height: 4px;
  border-radius: 50%;
  background: var(--gold);
  opacity: 0;
  transform: scale(0.5);
  transition: all 0.3s ease;
}

.main-nav > a:hover::after, .main-nav > a.active::after { 
  opacity: 1; 
  transform: scale(1); 
}

.main-nav > a:hover, .main-nav > a.active,
.nav-dropdown > a:hover, .nav-dropdown > a.active { color: var(--navy); }

.main-nav .nav-cta { 
  color: #fff !important; 
  padding: 14px 32px;
  font-size: 12px;
  letter-spacing: 0.1em;
}
.main-nav .nav-cta::after { display: none; }

.nav-dropdown { position: relative; padding: 24px 0; margin: -24px 0; }
.dropdown-menu {
  position: absolute;
  top: 100%;
  left: 50%;
  transform: translateX(-50%) translateY(10px) scale(0.98);
  background: var(--bg-surface);
  min-width: 340px;
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-lg);
  opacity: 0;
  visibility: hidden;
  transform-origin: top center;
  transition: all 0.4s cubic-bezier(0.16, 1, 0.3, 1);
  padding: 16px;
  border: 1px solid rgba(15, 23, 42, 0.04);
}

.nav-dropdown:hover .dropdown-menu { 
  opacity: 1; 
  visibility: visible; 
  transform: translateX(-50%) translateY(0) scale(1); 
}

.dropdown-menu a {
  display: block;
  padding: 14px 20px;
  font-size: 14px;
  font-weight: 500;
  font-family: var(--font-heading);
  letter-spacing: 0.02em;
  text-transform: none;
  color: var(--text-main);
  border-radius: var(--radius-sm);
  transition: all 0.2s ease;
}
.dropdown-menu a:hover { 
  color: var(--navy); 
  background: var(--bg-main); 
  padding-left: 24px;
}

.nav-toggle { 
  display: none; 
  background: none; 
  border: none; 
  width: 48px; height: 48px;
  border-radius: var(--radius-full);
  background: rgba(15, 23, 42, 0.03);
  color: var(--navy); 
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: background 0.3s ease;
}
.nav-toggle:hover { background: rgba(15, 23, 42, 0.06); }
.nav-toggle svg { width: 24px; height: 24px; }
@media(min-width: 1025px) { .nav-toggle { display: none; } }

/* Hero */
.hero {
  position: relative;
  background: var(--bg-main);
  padding: 240px 0 160px;
  text-align: center;
  overflow: hidden;
}

/* Ambient light glows */
.hero::before {
  content: '';
  position: absolute;
  top: -20%; left: 50%;
  transform: translateX(-50%);
  width: 80vw; height: 800px;
  background: radial-gradient(ellipse at center, rgba(212, 175, 55, 0.08) 0%, rgba(250, 250, 250, 0) 70%);
  z-index: 0;
  pointer-events: none;
}

.hero .container { position: relative; z-index: 2; }

.hero-eyebrow {
  display: inline-block;
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: 12px;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 32px;
  background: var(--gold-ghost);
  padding: 8px 20px;
  border-radius: var(--radius-full);
}

.hero h1 { 
  font-size: 96px; 
  font-weight: 800; 
  max-width: 1100px; 
  margin: 0 auto 40px; 
  letter-spacing: -0.04em;
  line-height: 1;
}

.hero h1 .ghost {
  display: block;
  color: rgba(15, 23, 42, 0.25);
  margin-bottom: -10px;
}

.hero h1 .solid {
  display: block;
  color: var(--navy);
}

.hero p { 
  max-width: 640px; 
  margin: 0 auto 56px; 
  font-size: 22px; 
  color: var(--text-muted); 
  font-weight: 400;
  line-height: 1.5;
}

/* Page banner */
.page-banner {
  position: relative;
  background: var(--bg-main);
  padding: 220px 0 120px;
  text-align: center;
  overflow: hidden;
}
.page-banner::before {
  content: '';
  position: absolute;
  top: -50%; left: 50%;
  transform: translateX(-50%);
  width: 100vw; height: 800px;
  background: radial-gradient(ellipse at center, rgba(15, 23, 42, 0.03) 0%, rgba(250, 250, 250, 0) 70%);
  z-index: 0;
  pointer-events: none;
}
.page-banner .container { position: relative; z-index: 2; }
.page-banner h1 { 
  font-size: 80px; 
  font-weight: 800;
  letter-spacing: -0.04em;
  line-height: 1.1;
  color: var(--navy);
}

.page-banner .ghost {
  display: block;
  color: rgba(15, 23, 42, 0.25);
  margin-bottom: -8px;
}
.page-banner .solid { display: block; color: var(--navy); }

/* Sections */
.section { padding: 160px 0; position: relative; }
.section-light { background: var(--bg-surface); }
.section-navy { background: var(--navy); color: #fff; overflow: hidden; }
.section-navy h2, .section-navy h3, .section-navy h4 { color: #fff; }

.eyebrow {
  display: inline-block;
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: 12px;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 24px;
}

.section-title { font-size: 56px; margin-bottom: 32px; max-width: 900px; font-weight: 800; letter-spacing: -0.03em; }
.section-intro { max-width: 720px; color: var(--text-muted); font-size: 20px; margin-bottom: 80px; line-height: 1.6; }
.section-navy .section-intro { color: rgba(255, 255, 255, 0.6); }
.section-navy .eyebrow { color: var(--gold-light); }

/* Services Grid */
.services-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(380px, 1fr));
  gap: 40px;
}

.service-card {
  background: var(--bg-surface);
  padding: 56px 48px;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-sm);
  border: 1px solid rgba(15, 23, 42, 0.04);
  transition: all 0.5s cubic-bezier(0.16, 1, 0.3, 1);
  display: flex;
  flex-direction: column;
  position: relative;
  overflow: hidden;
  z-index: 1;
}

.service-card::after {
  content: '';
  position: absolute;
  top: 0; left: 0; width: 100%; height: 100%;
  background: radial-gradient(circle at top right, rgba(212, 175, 55, 0.05) 0%, transparent 60%);
  opacity: 0;
  transition: opacity 0.5s ease;
  z-index: -1;
  pointer-events: none;
}

.service-card:hover { 
  transform: translateY(-12px); 
  box-shadow: var(--shadow-lg); 
  border-color: rgba(15, 23, 42, 0.08);
}
.service-card:hover::after { opacity: 1; }

.service-card .num {
  font-family: var(--font-heading);
  font-size: 64px;
  font-weight: 900;
  color: rgba(15, 23, 42, 0.15);
  margin-bottom: 32px;
  line-height: 1;
  transition: all 0.4s ease;
}

.service-card:hover .num {
  color: var(--gold);
}

.service-card h3 { font-size: 28px; margin-bottom: 20px; font-weight: 700; }
.service-card p { color: var(--text-muted); font-size: 17px; flex: 1; line-height: 1.6; }
.service-card .card-link { 
  margin-top: 40px; 
  font-weight: 700; 
  color: var(--navy); 
  font-size: 13px;
  letter-spacing: 0.1em;
  text-transform: uppercase; 
  display: inline-flex;
  align-items: center;
  gap: 12px;
  font-family: var(--font-heading);
}

.service-card .card-link::after {
  content: '→';
  transition: transform 0.3s cubic-bezier(0.16, 1, 0.3, 1);
}

.service-card:hover .card-link { color: var(--gold); }
.service-card:hover .card-link::after { transform: translateX(8px); }

/* Values & Mission */
.values-grid, .mission-grid { 
  display: grid; 
  grid-template-columns: repeat(auto-fit, minmax(340px, 1fr)); 
  gap: 40px; 
}

.value-item { 
  padding: 56px 48px; 
  background: rgba(255, 255, 255, 0.03); 
  border-radius: var(--radius-lg);
  border: 1px solid rgba(255, 255, 255, 0.08);
  transition: transform 0.5s cubic-bezier(0.16, 1, 0.3, 1), background 0.5s ease;
}

.value-item:hover {
  transform: translateY(-8px);
  background: rgba(255, 255, 255, 0.06);
  border-color: rgba(255, 255, 255, 0.15);
}

.value-item .num { 
  color: var(--gold); 
  font-family: var(--font-heading); 
  font-weight: 800; 
  font-size: 20px; 
  margin-bottom: 24px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 48px; height: 48px;
  border-radius: 50%;
  background: rgba(212, 175, 55, 0.1);
}
.value-item h4 { font-size: 28px; margin-bottom: 16px; font-weight: 700; }
.value-item p { color: rgba(255, 255, 255, 0.6); font-size: 17px; line-height: 1.6; }

.mission-card { 
  background: var(--bg-surface); 
  padding: 56px 48px; 
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-md); 
  border: 1px solid rgba(15, 23, 42, 0.04);
  position: relative;
}
.mission-card h3 { font-size: 28px; margin-bottom: 20px; font-weight: 700; }
.mission-card p { color: var(--text-muted); font-size: 17px; line-height: 1.6; }

/* Split Sections */
.split { 
  display: grid; 
  grid-template-columns: 1fr 1fr; 
  gap: 100px; 
  align-items: center; 
}
.split img { 
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  width: 100%;
  aspect-ratio: 4/3;
  object-fit: cover;
  object-position: right center;
}
.split h2 { font-size: 48px; margin-bottom: 32px; font-weight: 800; letter-spacing: -0.03em; }
.split h3 { font-size: 28px; margin: 40px 0 20px; font-weight: 700; }
.split p { margin-bottom: 24px; color: var(--text-muted); font-size: 18px; line-height: 1.7; }

/* Service Detail */
.service-detail .content { max-width: 900px; margin: 0 auto; }
.service-detail h2 { font-size: 40px; margin: 64px 0 32px; font-weight: 800; letter-spacing: -0.02em; }
.service-detail p { margin-bottom: 24px; color: var(--text-main); font-size: 20px; line-height: 1.7; }

.checklist { margin: 48px 0; display: grid; gap: 24px; }
.checklist li {
  position: relative;
  font-size: 18px;
  color: var(--text-main);
  background: var(--bg-surface);
  padding: 32px 40px 32px 80px;
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-sm);
  border: 1px solid rgba(15, 23, 42, 0.04);
  line-height: 1.6;
}
.checklist li::before {
  content: '→';
  position: absolute;
  left: 32px;
  top: 32px;
  color: var(--gold);
  font-weight: 800;
  font-family: var(--font-heading);
  font-size: 20px;
}

.highlight-box {
  background: var(--bg-main);
  border-radius: var(--radius-md);
  padding: 48px;
  font-family: var(--font-heading);
  font-weight: 800;
  font-size: 32px;
  color: var(--navy);
  margin: 64px 0;
  text-align: center;
  position: relative;
  border: 1px solid rgba(15, 23, 42, 0.05);
  box-shadow: var(--shadow-sm);
}

/* Contact */
.contact-grid { 
  display: grid; 
  grid-template-columns: 1fr 400px; 
  gap: 100px; 
  align-items: start; 
}
.contact-form {
  background: var(--bg-surface);
  padding: 64px;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-md);
  border: 1px solid rgba(15, 23, 42, 0.04);
}
.contact-form label { 
  display: block; 
  font-weight: 700; 
  font-family: var(--font-heading);
  margin-bottom: 12px; 
  font-size: 13px; 
  letter-spacing: 0.05em;
  text-transform: uppercase;
  color: var(--navy);
}
.contact-form input, .contact-form select, .contact-form textarea {
  width: 100%;
  padding: 20px 24px;
  border: 1px solid rgba(15, 23, 42, 0.1);
  border-radius: var(--radius-sm);
  background: var(--bg-main);
  font-family: var(--font-body);
  font-size: 17px;
  margin-bottom: 32px;
  transition: all 0.3s ease;
  color: var(--text-main);
}
.contact-form input:focus, .contact-form select:focus, .contact-form textarea:focus {
  outline: none;
  border-color: var(--navy);
  background: var(--bg-surface);
  box-shadow: 0 0 0 4px rgba(15, 23, 42, 0.05);
}
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 0 32px; }
.form-note { font-size: 14px; color: var(--text-muted); margin-bottom: 32px; line-height: 1.6; }
.form-alert { 
  padding: 24px; 
  margin-bottom: 40px; 
  font-weight: 500; 
  border-radius: var(--radius-md);
  font-family: var(--font-body);
  font-size: 16px;
}
.form-alert.ok { background: #ecfdf5; color: #065f46; border: 1px solid #10b981; }
.form-alert.err { background: #fef2f2; color: #991b1b; border: 1px solid #ef4444; }

.contact-info {
  position: sticky;
  top: 140px;
  padding: 48px;
  background: var(--bg-surface);
  border-radius: var(--radius-lg);
  border: 1px solid rgba(15, 23, 42, 0.04);
  box-shadow: var(--shadow-sm);
}
.contact-info h2 { font-size: 28px; margin-bottom: 24px; font-weight: 800; }
.contact-info p { margin-bottom: 40px; color: var(--text-muted); font-size: 17px; line-height: 1.6; }
.contact-info .info-line { 
  display: block; 
  font-size: 24px; 
  font-weight: 700; 
  font-family: var(--font-heading);
  color: var(--navy); 
  margin-bottom: 16px; 
  transition: color 0.3s ease;
}
.contact-info .info-line:hover { color: var(--gold); }
.honeypot { position: absolute; left: -9999px; opacity: 0; height: 0; overflow: hidden; }

/* CTA Band */
.cta-band {
  background: var(--bg-surface);
  text-align: center;
  padding: 160px 0;
  position: relative;
  overflow: hidden;
  border-top: 1px solid rgba(15, 23, 42, 0.05);
}

.cta-band .container { position: relative; z-index: 2; max-width: 900px; }
.cta-band h2 { 
  font-size: 48px; 
  font-weight: 800;
  letter-spacing: -0.03em;
  color: var(--navy); 
  margin: 0 auto 48px; 
  line-height: 1.2;
}

/* Footer */
.site-footer { 
  background: var(--navy); 
  color: rgba(255, 255, 255, 0.6); 
  padding-top: 120px;
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr;
  gap: 80px;
  padding-bottom: 80px;
}
.footer-col h2 { 
  color: #fff; 
  font-size: 13px; 
  font-weight: 700;
  margin-bottom: 32px; 
  letter-spacing: 0.1em;
  text-transform: uppercase;
}
.footer-col p { font-size: 16px; margin-bottom: 32px; line-height: 1.8; max-width: 400px; }
.footer-col ul li { margin-bottom: 20px; }
.footer-col a { color: rgba(255, 255, 255, 0.6); font-size: 16px; transition: color 0.3s ease; }
.footer-col a:hover { color: var(--gold); }

.footer-logo { 
  background: #fff; 
  padding: 24px 32px; 
  margin-bottom: 40px; 
  width: 240px; 
  border-radius: var(--radius-md);
}

.social-links { display: flex; gap: 32px; }
.social-links a { 
  font-weight: 700; 
  font-family: var(--font-heading);
  color: var(--gold); 
  font-size: 13px; 
  text-transform: uppercase;
  letter-spacing: 0.1em;
}
.social-links a:hover { color: #fff; }

.footer-bottom { 
  border-top: 1px solid rgba(255, 255, 255, 0.05); 
  padding: 32px 0; 
  font-size: 14px; 
}
.footer-bottom a { color: var(--gold); }

/* Animation Classes */
html.js .fade-up {
  opacity: 0;
  transform: translateY(40px);
  transition: opacity 1s cubic-bezier(0.16, 1, 0.3, 1), transform 1s cubic-bezier(0.16, 1, 0.3, 1);
}
html.js .fade-up.visible {
  opacity: 1;
  transform: translateY(0);
}
@media (prefers-reduced-motion: reduce) {
  html.js .fade-up { opacity: 1; transform: none; transition: none; }
}
.delay-100 { transition-delay: 100ms; }
.delay-200 { transition-delay: 200ms; }
.delay-300 { transition-delay: 300ms; }

/* Responsive */
@media (max-width: 1200px) {
  .hero h1 { font-size: 72px; }
  .page-banner h1 { font-size: 64px; }
  .section-title { font-size: 48px; }
  .split, .contact-grid { grid-template-columns: 1fr; gap: 64px; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 64px; }
  .contact-info { position: static; }
}

@media (max-width: 1024px) {
  .main-nav {
    display: none;
    position: absolute;
    top: 100%; left: 0; right: 0;
    background: rgba(250, 250, 250, 0.95);
    backdrop-filter: blur(20px);
    -webkit-backdrop-filter: blur(20px);
    flex-direction: column;
    align-items: center;
    padding: 40px;
    gap: 32px;
    box-shadow: var(--shadow-lg);
    border-bottom: 1px solid rgba(15, 23, 42, 0.05);
  }
  .main-nav.open { display: flex; }
  .nav-dropdown { padding: 0; margin: 0; text-align: center; }
  .dropdown-menu {
    position: static;
    opacity: 1;
    visibility: visible;
    transform: none;
    box-shadow: none;
    padding: 16px 0 0;
    min-width: 0;
    border: none;
    background: transparent;
  }
  .dropdown-menu a { text-align: center; padding: 12px; }
  .dropdown-menu a:hover { padding-left: 12px; background: rgba(15, 23, 42, 0.03); }
}

@media (max-width: 768px) {
  .hero { padding: 180px 0 100px; }
  .hero h1 { font-size: 48px; }
  .hero p { font-size: 18px; }
  
  .page-banner { padding: 160px 0 80px; }
  .page-banner h1 { font-size: 44px; }
  
  .section { padding: 100px 0; }
  .section-title { font-size: 36px; }
  .split h2 { font-size: 36px; }
  
  .services-grid, .values-grid, .mission-grid, .footer-grid, .form-row { grid-template-columns: 1fr; }
  
  .service-card { padding: 40px 32px; }
  .contact-form { padding: 40px 24px; }
  .contact-info { padding: 40px 32px; }
  
  .cta-band h2 { font-size: 32px; }
}

/* Services accordion */
.service-accordion { display: flex; flex-direction: column; gap: 16px; max-width: 1000px; margin: 0 auto; }
.service-acc {
  background: #fff;
  border: 1px solid rgba(15, 23, 42, 0.08);
  border-radius: var(--radius-lg);
  overflow: hidden;
  transition: box-shadow 0.3s ease, border-color 0.3s ease;
}
.service-acc[open] { box-shadow: var(--shadow-lg); border-color: rgba(15, 23, 42, 0.15); }
.service-acc summary {
  display: flex;
  align-items: center;
  gap: 28px;
  padding: 32px 40px;
  cursor: pointer;
  list-style: none;
  user-select: none;
}
.service-acc summary::-webkit-details-marker { display: none; }
.service-acc .acc-num {
  font-family: var(--font-heading);
  font-size: 28px;
  font-weight: 900;
  color: rgba(15, 23, 42, 0.2);
  transition: color 0.3s ease;
}
.service-acc[open] .acc-num, .service-acc summary:hover .acc-num { color: var(--gold); }
.service-acc .acc-title {
  font-family: var(--font-heading);
  font-size: 38px;
  font-weight: 800;
  letter-spacing: -0.02em;
  color: var(--navy);
  flex: 1;
}
.service-acc .acc-icon {
  width: 44px; height: 44px; flex: none;
  border: 1px solid rgba(15, 23, 42, 0.15);
  border-radius: 50%;
  position: relative;
  transition: all 0.3s ease;
}
.service-acc .acc-icon::before, .service-acc .acc-icon::after {
  content: ""; position: absolute; top: 50%; left: 50%;
  background: var(--navy); transition: all 0.3s ease;
}
.service-acc .acc-icon::before { width: 16px; height: 2px; transform: translate(-50%, -50%); }
.service-acc .acc-icon::after { width: 2px; height: 16px; transform: translate(-50%, -50%); }
.service-acc[open] .acc-icon { background: var(--navy); border-color: var(--navy); }
.service-acc[open] .acc-icon::before, .service-acc[open] .acc-icon::after { background: #fff; }
.service-acc[open] .acc-icon::after { transform: translate(-50%, -50%) rotate(90deg); }
.service-acc .acc-body { padding: 8px 40px 48px; }
.service-acc .acc-body .split img { align-self: start; }
@media (max-width: 768px) {
  .service-acc summary { padding: 22px 20px; gap: 16px; }
  .service-acc .acc-title { font-size: 24px; }
  .service-acc .acc-icon { width: 36px; height: 36px; }
  .service-acc .acc-body { padding: 4px 20px 32px; }
}