/* newagebiz.in — colours taken from the company logo */
:root {
  --navy: #042044;        /* logo wordmark */
  --navy-deep: #012c62;   /* logo navy background */
  --green: #369245;       /* logo triangle: decoration only (3.9:1 on white) */
  --green-text: #23722f;  /* green for text/links: 5.6:1 on white */
  --ink: #1b2533;
  --muted: #4f5b6b;
  --line: #dde3ea;
  --bg: #ffffff;
  --bg-alt: #f4f6f9;
  --warn-bg: #fff6e5;
  --warn-line: #e3a73b;
  --radius: 10px;
  --wrap: 1120px;
  --font: system-ui, -apple-system, "Segoe UI", Roboto, "Helvetica Neue", Arial, "Noto Sans", sans-serif;
}

*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } }
body { margin: 0; font: 400 1.0625rem/1.65 var(--font); color: var(--ink); background: var(--bg); }
img { max-width: 100%; height: auto; display: block; }
a { color: var(--navy-deep); text-underline-offset: 3px; }
a:hover { color: var(--green-text); }
:focus-visible { outline: 3px solid var(--green); outline-offset: 2px; border-radius: 3px; }
h1, h2, h3 { color: var(--navy); line-height: 1.2; letter-spacing: -0.015em; margin: 0 0 .6em; }
h1 { font-size: clamp(1.9rem, 5.2vw, 3.1rem); font-weight: 800; }
h2 { font-size: clamp(1.4rem, 3.4vw, 2rem); font-weight: 800; }
h3 { font-size: 1.1rem; font-weight: 700; }
p { margin: 0 0 1em; }

.wrap { max-width: var(--wrap); margin: 0 auto; padding: 0 16px; }
@media (min-width: 640px) { .wrap { padding: 0 28px; } }

.skip { position: absolute; left: -999px; top: 8px; background: var(--navy); color: #fff; padding: 8px 14px; z-index: 10; }
.skip:focus { left: 8px; }

/* header */
.site-head { border-bottom: 1px solid var(--line); background: #fff; }
.head-row { display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 6px 24px; padding-top: 14px; padding-bottom: 10px; }
.brand img { width: 190px; }
.main-nav { width: 100%; }
.main-nav ul { list-style: none; display: flex; flex-wrap: wrap; gap: 0 2px; margin: 0 0 0 -12px; padding: 0; }
.main-nav a { display: block; padding: 10px 12px; text-decoration: none; color: var(--navy); font-weight: 600; font-size: .98rem; white-space: nowrap; border-bottom: 3px solid transparent; }
.main-nav a[aria-current="page"] { border-bottom-color: var(--green); }
.main-nav a:hover { color: var(--green-text); }
@media (min-width: 860px) {
  .head-row { flex-wrap: nowrap; padding-bottom: 14px; }
  .brand img { width: 210px; }
  .main-nav { width: auto; }
  .main-nav ul { margin: 0; }
}

/* hero */
.hero { background: var(--navy-deep); color: #e8eef6; padding: 56px 0 60px; position: relative; overflow: hidden; }
.hero::after { /* the logo's green triangle, as a quiet motif */
  content: ""; position: absolute; right: -40px; bottom: -30px; width: 260px; height: 225px;
  background: var(--green); clip-path: polygon(50% 0, 100% 100%, 0 100%); opacity: .9;
}
.hero .wrap { position: relative; z-index: 1; }
.hero h1 { color: #fff; max-width: 20ch; }
.hero h1 span { display: block; color: #8fd19b; }
.hero .lede { font-size: 1.15rem; max-width: 60ch; color: #d3deeb; }
.eyebrow { text-transform: uppercase; letter-spacing: .16em; font-size: .78rem; font-weight: 700; color: var(--green-text); margin-bottom: .8em; }
.hero .eyebrow { color: #8fd19b; }
@media (max-width: 639px) { .hero::after { width: 150px; height: 130px; right: -50px; bottom: -40px; } }

.cta-row { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 28px; }
.btn { display: inline-block; padding: 13px 22px; border-radius: 8px; background: var(--green-text); color: #fff; font-weight: 700; text-decoration: none; border: 2px solid var(--green-text); }
.btn:hover { background: #1b5c25; border-color: #1b5c25; color: #fff; }
.btn-ghost { background: transparent; border-color: #c8d4e3; color: #fff; }
.btn-ghost:hover { background: #fff; color: var(--navy); border-color: #fff; }

/* facts */
.facts { border-bottom: 1px solid var(--line); }
.facts-grid { display: grid; gap: 0; }
.fact { padding: 26px 0; border-top: 1px solid var(--line); }
.fact:first-child { border-top: 0; }
.fact h2 { font-size: 1.15rem; margin-bottom: .4em; padding-left: 22px; position: relative; }
.fact h2::before { content: ""; position: absolute; left: 0; top: .32em; width: 12px; height: 11px; background: var(--green); clip-path: polygon(50% 0, 100% 100%, 0 100%); }
.fact p { margin: 0; color: var(--muted); }
@media (min-width: 760px) {
  .facts-grid { grid-template-columns: repeat(3, 1fr); gap: 40px; }
  .fact { border-top: 0; padding: 36px 0; }
}

/* blocks */
.block { padding: 56px 0; }
.block.alt { background: var(--bg-alt); }
.two-col { display: grid; gap: 28px; }
@media (min-width: 860px) { .two-col { grid-template-columns: 1.1fr 1fr; gap: 64px; align-items: start; } }
.card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 22px 24px; margin: 0; }
.reg div { display: grid; grid-template-columns: 1fr; padding: 10px 0; border-top: 1px solid var(--line); }
.reg div:first-child { border-top: 0; padding-top: 0; }
.reg dt { font-size: .82rem; text-transform: uppercase; letter-spacing: .08em; color: var(--muted); font-weight: 600; }
.reg dd { margin: 2px 0 0; font-weight: 700; color: var(--navy); }
.list-h { margin-top: 4px; }
.ticks, .crosses { list-style: none; padding: 0; margin: 0 0 22px; }
.ticks li, .crosses li { padding: 6px 0 6px 30px; position: relative; }
.ticks li::before, .crosses li::before { position: absolute; left: 0; top: 6px; font-weight: 800; width: 20px; text-align: center; }
.ticks li::before { content: "\2713"; color: var(--green-text); }
.crosses li::before { content: "\2715"; color: #a12b2b; }

.warn { background: var(--warn-bg); border-left: 5px solid var(--warn-line); border-radius: 6px; padding: 22px 24px; }
.warn h2 { font-size: 1.25rem; }
.warn p { margin: 0; }

.ladder { list-style: none; counter-reset: step; padding: 0; margin: 28px 0 0; display: grid; gap: 16px; }
@media (min-width: 860px) { .ladder { grid-template-columns: repeat(3, 1fr); gap: 20px; } }
.ladder li { counter-increment: step; background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 22px 22px 8px; position: relative; }
.ladder li::before { content: counter(step); display: inline-grid; place-items: center; width: 32px; height: 32px; border-radius: 50%; background: var(--navy-deep); color: #fff; font-weight: 800; margin-bottom: 12px; }
.ladder p { color: var(--muted); }
.ladder a { font-weight: 600; overflow-wrap: anywhere; }

/* footer */
.site-foot { background: var(--navy); color: #c9d4e2; padding: 48px 0 28px; font-size: .95rem; }
.site-foot a { color: #fff; }
.site-foot a:hover { color: #8fd19b; }
.foot-grid { display: grid; gap: 30px; }
@media (min-width: 760px) { .foot-grid { grid-template-columns: 1.3fr 1fr 1fr; } }
.foot-logo { width: 220px; margin-bottom: 18px; }
.foot-h { color: #fff; font-size: .82rem; text-transform: uppercase; letter-spacing: .12em; margin-bottom: 12px; }
.foot-links { list-style: none; padding: 0; margin: 0; }
.foot-legal { overflow-wrap: anywhere; }
.foot-row { margin: 28px 0 8px; }
.foot-links-inline { list-style: none; padding: 0; margin: 0 0 4px; display: flex; flex-wrap: wrap; gap: 4px 20px; }
.foot-h { line-height: 1.4; }
.foot-links li { padding: 3px 0; }
.foot-note { border-top: 1px solid rgba(255,255,255,.16); margin-top: 34px; padding-top: 22px; color: #c9d4e2; }
.foot-copy { font-size: .85rem; color: #9fb0c5; margin: 0; }

/* preview-only: a value still to be supplied by the CA, Board or lender */
.blank { background: #ffe14d; color: #3a2a00; padding: 0 4px; border-radius: 3px; font-weight: 700; }

/* inner pages */
.sr-only { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }
.page-head { background: var(--bg-alt); border-bottom: 1px solid var(--line); padding: 40px 0 30px; }
.page-head h1 { font-size: clamp(1.7rem, 4.4vw, 2.5rem); margin-bottom: .4em; }
.lede-sm { color: var(--muted); max-width: 65ch; margin: 0; }
.doc-co { color: var(--muted); font-size: .92rem; margin: 0; }
.block-tight { padding-top: 36px; padding-bottom: 56px; }
.prose { max-width: 860px; padding-top: 32px; padding-bottom: 64px; }
.prose h2 { font-size: 1.3rem; margin-top: 2em; scroll-margin-top: 16px; }
.prose p, .prose li { max-width: 72ch; }
.note { color: var(--muted); margin-top: 28px; }
.callout { background: var(--bg-alt); border-left: 4px solid var(--green); padding: 14px 18px; border-radius: 4px; }
.tag { display: inline-block; font-size: .78rem; text-transform: uppercase; letter-spacing: .08em; background: #e5f2e7; color: var(--green-text); border-radius: 999px; padding: 2px 10px; vertical-align: middle; }

.table-scroll { overflow-x: auto; margin: 0 0 1.2em; border: 1px solid var(--line); border-radius: 8px; }
.table-scroll:focus-visible { outline-offset: 0; }
table { border-collapse: collapse; width: 100%; font-size: .96rem; }
th, td { text-align: left; vertical-align: top; padding: 10px 14px; border-top: 1px solid var(--line); }
tr:first-child > th, tr:first-child > td { border-top: 0; }
thead th { background: var(--bg-alt); color: var(--navy); font-size: .85rem; text-transform: uppercase; letter-spacing: .05em; }
tbody th { color: var(--navy); font-weight: 600; }
@media (max-width: 639px) { .table-scroll table { min-width: 560px; } .doc-control th { width: 8.5em; } }
.doc-control { width: 100%; max-width: 560px; font-size: .92rem; margin-bottom: 8px; border: 1px solid var(--line); }
.doc-control td { overflow-wrap: anywhere; }
.doc-control th { width: 11em; }

.summary-box { margin: 28px 0 8px; }
.summary-box h2 { margin-top: 0; }
.ladder-tight { margin-top: 16px; }
@media (min-width: 860px) { .ladder-tight { grid-template-columns: repeat(3, 1fr); } }

/* contact */
.contact-grid { display: grid; gap: 18px; }
@media (min-width: 760px) { .contact-grid { grid-template-columns: 1fr 1fr; gap: 22px; } }
.card-h { font-size: .82rem; text-transform: uppercase; letter-spacing: .1em; color: var(--muted); margin-bottom: 12px; }
.kv { margin: 0 0 12px; }
.kv div { padding: 7px 0; border-top: 1px solid var(--line); }
.kv div:first-child { border-top: 0; padding-top: 0; }
.kv dt { font-size: .85rem; color: var(--muted); }
.kv dd { margin: 0; font-weight: 600; color: var(--navy); overflow-wrap: anywhere; }

/* complaint form */
.form-layout { display: grid; gap: 36px; }
@media (min-width: 900px) { .form-layout { grid-template-columns: minmax(0, 1.6fr) minmax(0, 1fr); gap: 56px; } }
.form { max-width: 640px; }
.field { margin-bottom: 20px; }
.field label { display: block; font-weight: 600; color: var(--navy); margin-bottom: 6px; }
.req, .opt { font-weight: 400; color: var(--muted); font-size: .9rem; }
.hint { font-size: .9rem; color: var(--muted); margin: 6px 0 0; }
input[type=text], input[type=tel], input[type=email], select, textarea {
  width: 100%; font: inherit; color: var(--ink); background: #fff; border: 1.5px solid #9aa7b6; border-radius: 8px; padding: 11px 12px; min-height: 48px;
}
textarea { resize: vertical; }
input:focus, select:focus, textarea:focus { border-color: var(--navy-deep); outline: 3px solid rgba(54,146,69,.35); outline-offset: 0; }
.field.check { display: flex; gap: 12px; align-items: flex-start; }
.field.check input { width: 22px; height: 22px; margin: 3px 0 0; flex: none; accent-color: var(--green-text); }
.field.check label { font-weight: 400; color: var(--ink); margin: 0; }
.hp { position: absolute; left: -10000px; width: 1px; height: 1px; overflow: hidden; }
.warn-inline { background: var(--warn-bg); border-left: 4px solid var(--warn-line); padding: 10px 14px; border-radius: 4px; }
button.btn { font: inherit; font-weight: 700; cursor: pointer; min-height: 48px; }
.side-note { border-top: 1px solid var(--line); padding-top: 24px; }
@media (min-width: 900px) { .side-note { border-top: 0; border-left: 1px solid var(--line); padding: 0 0 0 32px; } }
.side-note p { color: var(--muted); }

.ref-box { background: #e9f5eb; border: 1px solid #b9dcbf; border-radius: var(--radius); padding: 22px 24px; margin-bottom: 20px; }
.ref-box p { margin: 0; }
.ref { font-size: clamp(1.5rem, 6vw, 2.1rem); font-weight: 800; color: var(--navy); letter-spacing: .04em; margin: 6px 0 !important; font-variant-numeric: tabular-nums; overflow-wrap: anywhere; }

/* services + four-level ladder */
.cards { display: grid; gap: 18px; margin-top: 24px; }
@media (min-width: 760px) { .cards { grid-template-columns: repeat(3, 1fr); } }
.cards .card h3 { margin-bottom: .4em; }
.cards .card p { color: var(--muted); margin-bottom: .6em; }
.ladder-4 { list-style: none; counter-reset: step; padding: 0; margin: 24px 0; display: grid; gap: 16px; }
@media (min-width: 900px) { .ladder-4 { grid-template-columns: repeat(2, 1fr); } }
.ladder-4 li { counter-increment: step; background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 20px 22px 6px; }
.ladder-4 li::before { content: "Level " counter(step); display: inline-block; font-size: .78rem; font-weight: 800; letter-spacing: .1em; text-transform: uppercase; color: #fff; background: var(--navy-deep); border-radius: 999px; padding: 3px 12px; margin-bottom: 10px; }
.ladder-4 p { color: var(--muted); overflow-wrap: anywhere; }
.facts-list { margin: 0; }
.ladder-4 h2 { font-size: 1.1rem; }
.nowrap { white-space: nowrap; }