:root{--access-navy:#07152f;--access-navy2:#0d2348;--access-gold:var(--gold,#f2b300);--access-ink:var(--ink,#07152f);--access-muted:var(--muted,#687386);--access-line:var(--line,#e8edf3);--access-bg:#f6f8fb;--access-white:#fff;--access-ease:var(--ease,cubic-bezier(.2,.8,.2,1));--access-shadow:0 18px 45px rgba(7,21,47,.09);--access-shadow-lg:0 28px 70px rgba(7,21,47,.16)}
body.locked{overflow:hidden}
.access-hero{position:relative;overflow:hidden;height:75vh;min-height:520px;max-height:720px;padding:clamp(35px,5vh,70px) 0;color:#fff;display:flex;align-items:center;background:linear-gradient(90deg,rgba(7,21,47,.65) 0%,rgba(7,21,47,.4) 48%,rgba(7,21,47,.15) 100%),url("assets/background4.jpg") center/cover no-repeat}
.access-hero:before,.access-hero:after{content:"";position:absolute;border-radius:50%;pointer-events:none}
.access-hero:before{width:520px;height:520px;right:-180px;top:-250px;background:rgba(242,179,0,.08);border:1px solid rgba(255,255,255,.08)}
.access-hero:after{width:400px;height:400px;left:-210px;bottom:-270px;background:rgba(255,255,255,.035)}
.access-hero-inner{position:relative;z-index:1;display:grid;grid-template-columns:minmax(0,1.25fr) minmax(280px,.7fr);gap:clamp(35px,5vw,70px);align-items:center}
.access-eyebrow,.access-heading>span{display:inline-flex;align-items:center;gap:8px;font-size:10px;font-weight:800;letter-spacing:.16em;color:var(--access-gold)}
.access-eyebrow i{font-size:14px}
.access-hero h1{max-width:760px;margin:12px 0;font-size:clamp(2.4rem,4.4vw,4.2rem);line-height:1.04;letter-spacing:-.055em}
.access-hero h1 strong{color:var(--access-gold)}
.access-hero-copy>p{max-width:680px;margin:0 0 14px;color:#d6dfec;font-size:13px;line-height:1.65}
.access-quote{display:inline-block;margin:2px 0 14px;padding:8px 14px;border-left:3px solid var(--access-gold);border-radius:0 12px 12px 0;background:rgba(255,255,255,.06);color:#f5f7fb;font-size:11px;font-weight:600;font-style:italic}
.access-points{display:flex;flex-wrap:wrap;gap:7px;margin:0 0 18px}
.access-points span{padding:7px 11px;border:1px solid rgba(255,255,255,.12);border-radius:999px;background:rgba(255,255,255,.06);font-size:10px;font-weight:700;color:#eef3fb}
.access-points i{margin-right:4px;color:var(--access-gold)}
.access-hero .btn.primary,.access-actions .btn.primary{display:inline-flex;align-items:center;justify-content:center;gap:9px;min-height:48px;padding:0 22px;border:1px solid var(--access-gold);border-radius:12px;background:var(--access-gold);color:var(--access-ink);font-size:12px;font-weight:800;cursor:pointer;box-shadow:0 12px 30px rgba(242,179,0,.2);transition:.25s var(--access-ease)}
.access-hero .btn.primary:hover,.access-actions .btn.primary:hover{transform:translateY(-3px);box-shadow:0 18px 35px rgba(242,179,0,.28);filter:brightness(1.03)}
.access-advisor{display:inline-flex;align-items:center;gap:8px;margin-left:15px;color:#fff;font-size:12px;font-weight:700;transition:.22s var(--access-ease)}
.access-advisor:hover{color:var(--access-gold);transform:translateY(-2px)}
.access-advisor i{color:#1fa463;font-size:20px}
.access-hero-card{padding:28px;border:1px solid rgba(255,255,255,.12);border-radius:24px;background:linear-gradient(145deg,rgba(255,255,255,.13),rgba(255,255,255,.045));box-shadow:0 30px 80px rgba(0,0,0,.2);backdrop-filter:blur(18px);transition:.3s var(--access-ease)}
.access-hero-card:hover{transform:translateY(-8px);box-shadow:0 40px 90px rgba(0,0,0,.28)}
.access-card-icon{width:58px;height:58px;display:grid;place-items:center;margin-bottom:21px;border-radius:16px;background:var(--access-gold);color:var(--access-navy);font-size:22px;box-shadow:0 10px 25px rgba(242,179,0,.2)}
.access-hero-card>span{font-size:10px;font-weight:800;letter-spacing:.14em;color:var(--access-gold)}
.access-hero-card>strong{display:block;margin:11px 0 13px;font-size:38px;line-height:1.05;letter-spacing:-.04em}
.access-hero-card p{margin:0;color:#d6dfec;font-size:13px;line-height:1.7}
.access-card-line{height:1px;margin:21px 0;background:rgba(255,255,255,.13)}
.access-hero-card small{display:block;margin:10px 0;color:#e7edf6;font-size:11px}
.access-hero-card small i{margin-right:7px;color:var(--access-gold)}
.access-strip{position:relative;z-index:3;background:#fff;border-bottom:1px solid var(--access-line);box-shadow:0 8px 25px rgba(7,21,47,.04)}
.access-strip .wrap{display:grid;grid-template-columns:repeat(5,1fr)}
.access-strip .wrap>div{min-height:72px;padding:10px 12px;display:flex;flex-direction:column;align-items:center;justify-content:center;text-align:center;border-right:1px solid var(--access-line);transition:.25s var(--access-ease)}
.access-strip .wrap>div:last-child{border-right:0}
.access-strip .wrap>div:hover{background:#fbfcfe;transform:translateY(-4px);box-shadow:0 12px 28px rgba(7,21,47,.06)}
.access-strip strong{display:block;margin-bottom:6px;color:var(--access-gold);font-size:22px}
.access-strip span{font-size:10px;font-weight:800;color:var(--access-ink)}
.access-matter,.access-features,.access-eligibility,.access-process{padding:35px 0}
.access-matter{background:var(--access-bg)}
.access-matter-layout{display:grid;grid-template-columns:minmax(0,1.25fr) minmax(290px,.75fr);gap:70px;align-items:center}
.access-heading h2{max-width:750px;margin:10px 0 15px;font-size:clamp(2rem,3.7vw,3.25rem);line-height:1.13;letter-spacing:-.045em;color:var(--access-ink)}
.access-heading h2 strong{color:var(--access-gold)}
.access-heading p{max-width:760px;margin:0;color:var(--access-muted);font-size:14px;line-height:1.8}
.access-heading-left p+p{margin-top:15px}
.access-heading-left em{color:var(--access-ink);font-weight:700}
.access-tax-card{padding:42px 36px;border-radius:24px;text-align:center;color:#fff;background:linear-gradient(145deg,var(--access-navy),var(--access-navy2));box-shadow:var(--access-shadow-lg);transition:.3s var(--access-ease)}
.access-tax-card:hover{transform:translateY(-8px)}
.access-tax-card>i{font-size:30px;color:var(--access-gold)}
.access-tax-card>strong{display:block;margin:17px 0 3px;font-size:72px;line-height:1;color:var(--access-gold);letter-spacing:-.05em}
.access-tax-card>span{font-size:11px;font-weight:800;letter-spacing:.16em;color:#fff}
.access-tax-card p{margin:19px 0;color:#d8e1ef;font-size:13px;line-height:1.7}
.access-tax-card small{display:block;color:#9fb0c9;font-size:10px;line-height:1.6}
.access-features{background:#fff}
.access-feature-grid{display:grid;gap:18px;margin-top:38px}
.access-four{grid-template-columns:repeat(4,1fr)}
.access-feature-grid>div,.eligibility-grid article,.journey-grid article{position:relative;overflow:hidden;background:#fff;border:1px solid var(--access-line);border-radius:18px;box-shadow:0 7px 20px rgba(7,21,47,.04);transition:.28s var(--access-ease)}
.access-feature-grid>div:before,.eligibility-grid article:before,.journey-grid article:before{content:"";position:absolute;left:0;right:0;top:0;height:3px;background:var(--access-gold);transform:scaleX(0);transform-origin:left;transition:.3s var(--access-ease)}
.access-feature-grid>div:hover:before,.eligibility-grid article:hover:before,.journey-grid article:hover:before{transform:scaleX(1)}
.access-feature-grid>div{padding:26px 23px}
.access-feature-grid>div:hover,.eligibility-grid article:hover,.journey-grid article:hover{transform:translateY(-7px);border-color:rgba(242,179,0,.4);box-shadow:var(--access-shadow)}
.access-feature-grid i{width:48px;height:48px;display:grid;place-items:center;margin-bottom:17px;border-radius:14px;background:#fff7df;color:#bd8500;font-size:19px}
.access-feature-grid span{display:block;margin-bottom:8px;font-size:14px;font-weight:800;color:var(--access-ink)}
.access-feature-grid small{display:block;color:var(--access-muted);font-size:11px;line-height:1.7}
.access-eligibility{background:var(--access-bg)}
.eligibility-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-top:38px}
.eligibility-grid article{padding:27px 23px}
.eligibility-grid article>div{width:50px;height:50px;display:grid;place-items:center;margin-bottom:22px;border-radius:14px;background:#fff7df;color:#bd8500;font-size:19px}
.eligibility-grid article>span{position:absolute;right:19px;top:16px;color:#e9edf2;font-size:29px;font-weight:800}
.eligibility-grid h3{margin:0 0 8px;font-size:14px;color:var(--access-ink)}
.eligibility-grid p{margin:0;color:var(--access-muted);font-size:11px;line-height:1.7}
.access-process{background:#fff}
.journey-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:14px;margin-top:42px}
.journey-grid article{padding:25px 19px}
.journey-grid b{position:absolute;right:15px;top:10px;color:#edf0f4;font-size:38px;line-height:1}
.journey-grid>article>i{width:47px;height:47px;display:grid;place-items:center;margin-bottom:17px;border-radius:14px;background:var(--access-navy);color:var(--access-gold);font-size:17px}
.journey-grid>article>span{display:block;margin-bottom:7px;color:#a87400;font-size:8px;font-weight:800;letter-spacing:.1em}
.journey-grid h3{margin:0 0 9px;color:var(--access-ink);font-size:13px}
.journey-grid p{margin:0;color:var(--access-muted);font-size:10px;line-height:1.7}
.access-modal{position:fixed;inset:0;z-index:5000;display:none;align-items:center;justify-content:center;padding:18px}
.access-modal.show{display:flex}
.access-modal-bg{position:absolute;inset:0;background:rgba(4,13,29,.72);backdrop-filter:blur(7px)}
.access-modal-box{position:relative;width:min(880px,100%);max-height:92vh;overflow:auto;border-radius:22px;background:#fff;box-shadow:0 35px 100px rgba(0,0,0,.35);animation:accessIn .25s var(--access-ease)}
@keyframes accessIn{from{opacity:0;transform:translateY(18px) scale(.985)}to{opacity:1;transform:none}}
.access-modal-head{display:flex;align-items:flex-start;justify-content:space-between;gap:20px;padding:28px 32px;border-bottom:1px solid var(--access-line);background:linear-gradient(135deg,#fff,#fffaf0)}
.access-modal-head span{font-size:9px;font-weight:800;letter-spacing:.15em;color:#a87400}
.access-modal-head h2{margin:6px 0 5px;font-size:25px;line-height:1.15;color:var(--access-ink)}
.access-modal-head p{margin:0;color:var(--access-muted);font-size:12px}
.access-modal-head button{width:40px;height:40px;flex:0 0 40px;border:1px solid var(--access-line);border-radius:12px;background:#fff;color:var(--access-ink);font-size:17px;cursor:pointer;transition:.22s var(--access-ease)}
.access-modal-head button:hover{transform:rotate(90deg);border-color:#f0c75d;background:#fff7df}
#accessForm{padding:5px 32px 30px}
.access-section{padding:15px 0;border-bottom:1px solid var(--access-line)}
.access-section-title{display:flex;align-items:center;gap:12px;margin-bottom:20px}
.access-section-title>i{width:44px;height:44px;display:grid;place-items:center;border-radius:13px;background:#fff7df;color:#b27d00;font-size:17px}
.access-section-title span{display:block;color:#a87400;font-size:9px;font-weight:800;letter-spacing:.12em}
.access-section-title h3{margin:3px 0 0;font-size:14px;color:var(--access-ink)}
.access-fields{display:grid;grid-template-columns:repeat(2,1fr);gap:16px}
.access-fields label{display:flex;flex-direction:column;gap:7px;color:#465266;font-size:11px;font-weight:700}
.access-fields label.wide{grid-column:1/-1}
.access-fields b{color:#c52525}
.access-fields input,.access-fields select,.access-fields textarea{width:100%;min-height:46px;padding:11px 13px;border:1px solid var(--access-line);border-radius:11px;background:#fff;color:var(--access-ink);font:inherit;font-size:13px;transition:.2s var(--access-ease)}
.access-fields textarea{min-height:120px;resize:vertical}
.access-fields input::placeholder,.access-fields textarea::placeholder{color:#a0a9b6}
.access-fields input:focus,.access-fields select:focus,.access-fields textarea:focus{outline:none;border-color:rgba(242,179,0,.8);box-shadow:0 0 0 4px rgba(242,179,0,.12)}
.access-note-box{display:flex;gap:10px;margin-bottom:16px;padding:14px 15px;border:1px solid #f3dfaa;border-radius:13px;background:#fffaf0;color:#7a621d;font-size:11px;line-height:1.6}
.access-note-box i{color:#bd8500;margin-top:2px}
.access-check-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:10px}
.access-check-grid label{cursor:pointer}
.access-check-grid input{position:absolute;opacity:0;pointer-events:none}
.access-check-grid span{min-height:48px;display:flex;align-items:center;gap:10px;padding:10px 13px;border:1px solid var(--access-line);border-radius:12px;background:#fff;color:#465266;font-size:11px;font-weight:700;transition:.2s var(--access-ease)}
.access-check-grid span i{width:19px;color:#b27d00;text-align:center;font-size:13px}
.access-check-grid label:hover span{transform:translateY(-2px);border-color:#efd27c;box-shadow:0 8px 20px rgba(7,21,47,.07)}
.access-check-grid input:checked+span{border-color:var(--access-gold);background:#fffaf0;color:var(--access-ink);box-shadow:0 6px 18px rgba(242,179,0,.1)}
.access-privacy{display:flex;gap:10px;margin-top:23px;padding:15px 16px;border-radius:13px;background:#f7f9fb;color:var(--access-muted);font-size:10px;line-height:1.7}
.access-privacy i{color:#b27d00;margin-top:2px}
.access-privacy strong{color:var(--access-ink)}
.access-actions{display:flex;justify-content:flex-end;gap:10px;margin-top:22px}
.access-cancel{min-height:47px;padding:0 20px;border:1px solid var(--access-line);border-radius:12px;background:#fff;color:#536174;font-size:12px;font-weight:800;cursor:pointer;transition:.2s var(--access-ease)}
.access-cancel:hover{background:#f7f9fb;transform:translateY(-2px)}
.access-response{margin:17px 0 0;text-align:center;color:var(--access-muted);font-size:10px;line-height:1.5}
.access-response.success{color:#14804a;font-weight:800}
.access-response.error{color:#c92b2b;font-weight:800}

/* =========================================================
   RESPONSIVE – TABLETS & SMALL LAPTOPS (≤992px)
   ========================================================= */
@media (max-width: 992px) {
  .access-hero-inner {
    grid-template-columns: 1fr;
    gap: 30px;
  }
  .access-hero-card {
    max-width: 500px;
  }
  .access-matter-layout {
    grid-template-columns: 1fr;
    gap: 35px;
  }
  .access-four {
    grid-template-columns: repeat(3, 1fr);
  }
  .eligibility-grid {
    grid-template-columns: repeat(3, 1fr);
  }
  .journey-grid {
    grid-template-columns: repeat(3, 1fr);
  }
  .access-strip .wrap {
    grid-template-columns: repeat(3, 1fr);
  }
  .access-strip .wrap > div {
    border-right: 1px solid var(--access-line);
    border-bottom: 1px solid var(--access-line);
  }
  .access-strip .wrap > div:nth-child(3n) {
    border-right: 0;
  }
  .access-strip .wrap > div:nth-child(n+4) {
    border-bottom: 0;
  }
}

/* =========================================================
   RESPONSIVE – TABLETS & LARGE PHONES (≤768px)
   ========================================================= */
@media (max-width: 768px) {
  /* Hero */
  .access-hero {
    height: auto;
    min-height: 0;
    padding: 40px 0;
  }
  .access-hero-inner {
    gap: 24px;
  }
  .access-hero h1 {
    font-size: clamp(2rem, 8vw, 3rem);
  }
  .access-hero-copy > p {
    font-size: 12px;
  }
  .access-points span {
    font-size: 9px;
    padding: 6px 9px;
  }
  .access-hero .btn.primary,
  .access-advisor {
    width: 100%;
    justify-content: center;
    margin-left: 0;
    margin-top: 10px;
  }
  .access-hero-card {
    padding: 20px;
  }
  .access-hero-card > strong {
    font-size: 28px;
  }
  .access-hero-card p {
    font-size: 10px;
  }
  .access-hero-card small {
    font-size: 9px;
  }

  /* Strip */
  .access-strip .wrap {
    grid-template-columns: repeat(2, 1fr);
  }
  .access-strip .wrap > div {
    border-right: 1px solid var(--access-line);
    border-bottom: 1px solid var(--access-line);
  }
  .access-strip .wrap > div:nth-child(2n) {
    border-right: 0;
  }
  .access-strip .wrap > div:nth-child(n+4) {
    border-bottom: 0;
  }

  /* Feature, eligibility, journey – two columns */
  .access-four,
  .eligibility-grid,
  .journey-grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 12px;
  }
  .access-feature-grid > div,
  .eligibility-grid article,
  .journey-grid article {
    padding: 20px 15px;
  }
  .access-feature-grid i,
  .eligibility-grid article > div,
  .journey-grid > article > i {
    width: 40px;
    height: 40px;
    font-size: 16px;
    margin-bottom: 12px;
  }
  .access-feature-grid span {
    font-size: 12px;
  }
  .access-feature-grid small {
    font-size: 9px;
  }
  .eligibility-grid article > span {
    font-size: 24px;
    right: 10px;
    top: 8px;
  }
  .eligibility-grid h3 {
    font-size: 12px;
  }
  .eligibility-grid p {
    font-size: 9px;
  }
  .journey-grid b {
    font-size: 32px;
    right: 10px;
    top: 8px;
  }
  .journey-grid h3 {
    font-size: 12px;
  }
  .journey-grid p {
    font-size: 9px;
  }

  /* Modal */
  .access-modal-box {
    width: 100%;
    max-height: 100vh;
    border-radius: 0;
  }
  .access-modal-head {
    padding: 18px 20px;
  }
  #accessForm {
    padding: 5px 20px 25px;
  }
  .access-section {
    padding: 14px 0;
  }
  .access-fields {
    grid-template-columns: 1fr; /* single column */
  }
  .access-fields label.wide {
    grid-column: auto;
  }
  .access-check-grid {
    grid-template-columns: 1fr; /* single column for checkboxes */
  }
  .access-actions {
    flex-direction: column-reverse;
  }
  .access-cancel,
  .access-actions .btn.primary {
    width: 100%;
  }
}

/* =========================================================
   RESPONSIVE – SMALL PHONES (≤480px)
   ========================================================= */
@media (max-width: 480px) {
  .access-hero h1 {
    font-size: 1.8rem;
  }
  .access-points span {
    font-size: 8px;
  }

  /* Two columns but tighter */
  .access-four,
  .eligibility-grid,
  .journey-grid {
    gap: 8px;
  }
  .access-feature-grid > div,
  .eligibility-grid article,
  .journey-grid article {
    padding: 16px 12px;
    border-radius: 14px;
  }
  .access-feature-grid i,
  .eligibility-grid article > div,
  .journey-grid > article > i {
    width: 34px;
    height: 34px;
    font-size: 14px;
    margin-bottom: 10px;
  }
  .access-feature-grid span {
    font-size: 11px;
  }
  .access-feature-grid small {
    font-size: 8px;
  }
  .eligibility-grid article > span {
    font-size: 20px;
    right: 8px;
    top: 6px;
  }
  .eligibility-grid h3 {
    font-size: 11px;
  }
  .eligibility-grid p {
    font-size: 8px;
  }
  .journey-grid b {
    font-size: 28px;
    right: 8px;
    top: 6px;
  }
  .journey-grid h3 {
    font-size: 11px;
  }
  .journey-grid p {
    font-size: 8px;
  }

  /* Strip – two columns but smaller */
  .access-strip .wrap {
    gap: 0;
  }
  .access-strip strong {
    font-size: 18px;
  }
  .access-strip span {
    font-size: 9px;
  }

  /* Modal further adjustments */
  .access-check-grid span {
    min-height: 42px;
    font-size: 10px;
  }
  .access-actions .btn.primary {
    font-size: 11px;
  }
}