:root {
  --xz-navy: #1a2b4c;
  --xz-navy-deep: #101c33;
  --xz-teal: #2cbfaa;
  --xz-teal-hover: #1fa090;
  --xz-teal-bg: #e4f7f4;
  --xz-slate: #f4f6fb;
  --xz-white: #ffffff;
  --xz-ink: #1c1f2e;
  --xz-mist: #6b7a9a;
  --xz-rule: #d6dded;
  --xz-highlight: #2cbfaa;

  --xz-sans: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  --xz-serif: Georgia, "Times New Roman", Times, serif;

  --xz-g1: 0.5rem;
  --xz-g2: 1rem;
  --xz-g3: 1.75rem;
  --xz-g4: 2.75rem;
  --xz-g5: 4.5rem;

  --xz-r: 6px;
  --xz-r-lg: 14px;

  --xz-sh-sm: 0 1px 5px rgba(26, 43, 76, 0.07);
  --xz-sh: 0 3px 16px rgba(26, 43, 76, 0.1);
  --xz-sh-lg: 0 8px 36px rgba(26, 43, 76, 0.16);

  --xz-wrap: 1140px;
  --xz-narrow: 760px;
}

*,
*::before,
*::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

html {
  font-size: 16px;
  scroll-behavior: smooth;
}

body {
  font-family: var(--xz-serif);
  font-size: 1rem;
  line-height: 1.78;
  color: var(--xz-ink);
  background-color: var(--xz-white);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

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

a {
  color: var(--xz-teal);
  text-decoration: none;
}

a:hover {
  text-decoration: underline;
}

a:focus-visible {
  outline: 2px solid var(--xz-teal);
  outline-offset: 3px;
  border-radius: 2px;
}

ul,
ol {
  padding-left: 1.5rem;
}

li {
  margin-bottom: 0.35rem;
}

h1,
h2,
h3,
h4,
h5,
h6 {
  font-family: var(--xz-sans);
  font-weight: 700;
  line-height: 1.22;
  color: var(--xz-ink);
}

h1 {
  font-size: clamp(2rem, 5vw, 3.125rem);
  letter-spacing: -0.03em;
}

h2 {
  font-size: clamp(1.5rem, 3vw, 2.125rem);
  letter-spacing: -0.025em;
}

h3 {
  font-size: clamp(1.125rem, 2vw, 1.4375rem);
  letter-spacing: -0.015em;
}

h4 {
  font-size: 1.0625rem;
  letter-spacing: -0.01em;
}

p + p {
  margin-top: 0.875rem;
}

button {
  cursor: pointer;
  border: none;
  background: none;
  font: inherit;
}

input,
select,
textarea {
  font: inherit;
}

fieldset {
  border: none;
}

/* ── LAYOUT ── */

.xz-wrap {
  width: 100%;
  max-width: var(--xz-wrap);
  margin-left: auto;
  margin-right: auto;
  padding-left: 1.5rem;
  padding-right: 1.5rem;
}

.xz-wrap--narrow {
  max-width: var(--xz-narrow);
}

/* ── TOPBAR ── */

.xz-topbar {
  position: sticky;
  top: 0;
  z-index: 200;
  background-color: var(--xz-white);
  border-bottom: 1px solid var(--xz-rule);
  box-shadow: var(--xz-sh-sm);
}

.xz-topbar__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--xz-g2);
  min-height: 64px;
  padding-top: 0.5rem;
  padding-bottom: 0.5rem;
  flex-wrap: wrap;
}

.xz-topbar__brand {
  display: flex;
  align-items: center;
  gap: 0.625rem;
  text-decoration: none;
  flex-shrink: 0;
}

.xz-topbar__brand:hover {
  text-decoration: none;
}

.xz-topbar__mark {
  width: 34px;
  height: 34px;
  flex-shrink: 0;
}

.xz-topbar__wordmark {
  font-family: var(--xz-sans);
  font-size: 1.0625rem;
  font-weight: 800;
  color: var(--xz-navy);
  letter-spacing: -0.03em;
}

.xz-topbar__nav {
  display: flex;
  align-items: center;
}

.xz-topbar__links {
  list-style: none;
  padding: 0;
  display: flex;
  align-items: center;
  gap: 0.125rem;
  flex-wrap: wrap;
}

.xz-topbar__link {
  font-family: var(--xz-sans);
  font-size: 0.875rem;
  font-weight: 500;
  color: var(--xz-ink);
  text-decoration: none;
  padding: 0.4rem 0.8rem;
  border-radius: var(--xz-r);
  transition: background-color 0.14s ease, color 0.14s ease;
  white-space: nowrap;
}

.xz-topbar__link:hover {
  background-color: var(--xz-slate);
  color: var(--xz-navy);
  text-decoration: none;
}

.xz-topbar__link:focus-visible {
  outline: 2px solid var(--xz-teal);
  outline-offset: 2px;
}

.xz-topbar__link--current {
  color: var(--xz-teal);
  background-color: var(--xz-teal-bg);
}

.xz-topbar__link--action {
  background-color: var(--xz-navy);
  color: var(--xz-white);
  font-weight: 600;
  margin-left: 0.5rem;
}

.xz-topbar__link--action:hover {
  background-color: var(--xz-navy-deep);
  color: var(--xz-white);
}

/* ── BUTTONS ── */

.xz-btn {
  display: inline-block;
  font-family: var(--xz-sans);
  font-size: 0.9375rem;
  font-weight: 600;
  line-height: 1;
  padding: 0.875rem 1.875rem;
  border-radius: var(--xz-r);
  text-decoration: none;
  transition: background-color 0.14s ease, color 0.14s ease, border-color 0.14s ease, box-shadow 0.14s ease;
  cursor: pointer;
  border: 2px solid transparent;
}

.xz-btn:hover {
  text-decoration: none;
}

.xz-btn:focus-visible {
  outline: 2px solid var(--xz-teal);
  outline-offset: 3px;
}

.xz-btn--primary {
  background-color: var(--xz-teal);
  color: var(--xz-white);
  border-color: var(--xz-teal);
}

.xz-btn--primary:hover {
  background-color: var(--xz-teal-hover);
  border-color: var(--xz-teal-hover);
  color: var(--xz-white);
}

.xz-btn--outline-white {
  background-color: transparent;
  color: var(--xz-white);
  border-color: rgba(255, 255, 255, 0.55);
}

.xz-btn--outline-white:hover {
  background-color: rgba(255, 255, 255, 0.1);
  border-color: var(--xz-white);
  color: var(--xz-white);
}

.xz-btn--outline-navy {
  background-color: transparent;
  color: var(--xz-navy);
  border-color: var(--xz-navy);
}

.xz-btn--outline-navy:hover {
  background-color: var(--xz-navy);
  color: var(--xz-white);
}

.xz-btn--sm {
  font-size: 0.875rem;
  padding: 0.625rem 1.375rem;
}

/* ── SECTIONS ── */

.xz-section {
  padding: var(--xz-g5) 0;
}

.xz-section--md {
  padding: var(--xz-g4) 0;
}

.xz-section--dark {
  background-color: var(--xz-navy);
}

.xz-section--dark h1,
.xz-section--dark h2,
.xz-section--dark h3,
.xz-section--dark h4 {
  color: var(--xz-white);
}

.xz-section--dark p {
  color: rgba(255, 255, 255, 0.75);
}

.xz-section--slate {
  background-color: var(--xz-slate);
}

.xz-section--teal-bg {
  background-color: var(--xz-teal-bg);
}

.xz-eyebrow {
  display: inline-block;
  font-family: var(--xz-sans);
  font-size: 0.6875rem;
  font-weight: 700;
  letter-spacing: 0.13em;
  text-transform: uppercase;
  color: var(--xz-teal);
  margin-bottom: 0.875rem;
}

.xz-section--dark .xz-eyebrow {
  color: rgba(44, 191, 170, 0.9);
}

.xz-section-heading {
  margin-bottom: var(--xz-g2);
}

.xz-section-lead {
  font-size: 1.0625rem;
  color: var(--xz-mist);
  line-height: 1.7;
  max-width: 660px;
  margin-bottom: var(--xz-g3);
}

.xz-section--dark .xz-section-lead {
  color: rgba(255, 255, 255, 0.65);
}

.xz-text-center {
  text-align: center;
}

.xz-text-center .xz-section-lead {
  margin-left: auto;
  margin-right: auto;
}

/* ── HERO ── */

.xz-hero {
  background-color: var(--xz-navy);
  overflow: hidden;
  padding: var(--xz-g5) 0;
}

.xz-hero__layout {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--xz-g4);
  align-items: center;
}

.xz-hero__text {
  color: var(--xz-white);
}

.xz-hero__heading {
  color: var(--xz-white);
  margin-bottom: var(--xz-g2);
}

.xz-hero__lead {
  font-size: 1.0625rem;
  line-height: 1.72;
  color: rgba(255, 255, 255, 0.78);
  margin-bottom: var(--xz-g3);
  max-width: 500px;
}

.xz-hero__actions {
  display: flex;
  gap: var(--xz-g2);
  flex-wrap: wrap;
  align-items: center;
}

.xz-hero__visual {
  border-radius: var(--xz-r-lg);
  overflow: hidden;
}

.xz-hero__visual img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
}

/* ── PURPOSE (homepage intro) ── */

.xz-purpose-layout {
  display: grid;
  grid-template-columns: 3fr 2fr;
  gap: var(--xz-g5);
  align-items: start;
}

.xz-purpose-body {
  font-size: 1.0625rem;
  line-height: 1.82;
}

.xz-purpose-aside {
  background-color: var(--xz-slate);
  border-radius: var(--xz-r-lg);
  padding: var(--xz-g3);
}

.xz-purpose-aside__heading {
  font-family: var(--xz-sans);
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--xz-mist);
  margin-bottom: var(--xz-g2);
}

.xz-purpose-point {
  display: flex;
  gap: 0.875rem;
  align-items: flex-start;
  padding: 0.625rem 0;
  border-bottom: 1px solid var(--xz-rule);
}

.xz-purpose-point:last-child {
  border-bottom: none;
}

.xz-purpose-point__marker {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background-color: var(--xz-teal);
  margin-top: 0.45rem;
  flex-shrink: 0;
}

.xz-purpose-point__text {
  font-family: var(--xz-sans);
  font-size: 0.9rem;
  color: var(--xz-ink);
  line-height: 1.55;
}

/* ── PANEL ROW (3-column) ── */

.xz-panel-row {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--xz-g3);
}

.xz-panel {
  background-color: var(--xz-white);
  border: 1px solid var(--xz-rule);
  border-radius: var(--xz-r-lg);
  padding: var(--xz-g3);
  box-shadow: var(--xz-sh-sm);
}

.xz-panel--accented {
  border-top: 3px solid var(--xz-teal);
}

.xz-panel--dark {
  background-color: rgba(255, 255, 255, 0.05);
  border-color: rgba(255, 255, 255, 0.1);
  box-shadow: none;
}

.xz-panel--dark .xz-panel__heading {
  color: var(--xz-white);
}

.xz-panel--dark .xz-panel__text {
  color: rgba(255, 255, 255, 0.65);
}

.xz-panel__badge {
  display: inline-block;
  font-family: var(--xz-sans);
  font-size: 0.6875rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--xz-teal);
  background-color: var(--xz-teal-bg);
  padding: 0.2rem 0.6rem;
  border-radius: 30px;
  margin-bottom: var(--xz-g2);
}

.xz-panel__heading {
  font-family: var(--xz-sans);
  font-size: 1.0625rem;
  font-weight: 700;
  color: var(--xz-navy);
  margin-bottom: 0.5rem;
}

.xz-panel__text {
  font-size: 0.9375rem;
  color: var(--xz-mist);
  line-height: 1.65;
}

/* ── STEPS ── */

.xz-steps-row {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: var(--xz-g3);
  counter-reset: xz-step;
}

.xz-step-item {
  counter-increment: xz-step;
  padding-top: var(--xz-g2);
  border-top: 3px solid var(--xz-rule);
  position: relative;
}

.xz-step-item--active {
  border-top-color: var(--xz-teal);
}

.xz-step-item__num {
  font-family: var(--xz-sans);
  font-size: 0.6875rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  color: var(--xz-teal);
  margin-bottom: 0.625rem;
}

.xz-step-item__num::before {
  content: counter(xz-step, decimal-leading-zero);
}

.xz-step-item__title {
  font-family: var(--xz-sans);
  font-size: 1rem;
  font-weight: 600;
  color: var(--xz-navy);
  margin-bottom: 0.5rem;
}

.xz-step-item__body {
  font-size: 0.9rem;
  color: var(--xz-mist);
  line-height: 1.65;
}

/* ── EXPLORE CARDS ── */

.xz-explore-duo {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: var(--xz-g3);
}

.xz-explore-card {
  background-color: var(--xz-white);
  border: 1px solid var(--xz-rule);
  border-radius: var(--xz-r-lg);
  padding: var(--xz-g3);
  display: flex;
  flex-direction: column;
  gap: var(--xz-g2);
  text-decoration: none;
  color: inherit;
  transition: box-shadow 0.18s ease, border-color 0.18s ease;
}

.xz-explore-card:hover {
  box-shadow: var(--xz-sh);
  border-color: var(--xz-teal);
  text-decoration: none;
}

.xz-explore-card__tag {
  font-family: var(--xz-sans);
  font-size: 0.6875rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--xz-teal);
}

.xz-explore-card__title {
  font-family: var(--xz-sans);
  font-size: 1.1875rem;
  font-weight: 700;
  color: var(--xz-navy);
  line-height: 1.3;
}

.xz-explore-card__desc {
  font-size: 0.9375rem;
  color: var(--xz-mist);
  flex: 1;
  line-height: 1.65;
}

.xz-explore-card__cta {
  font-family: var(--xz-sans);
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--xz-teal);
  display: flex;
  align-items: center;
  gap: 0.375rem;
}

/* ── PAGE HEADER ── */

.xz-page-header {
  background-color: var(--xz-navy);
  padding: var(--xz-g5) 0 var(--xz-g4);
  color: var(--xz-white);
}

.xz-page-header__inner {
  max-width: 680px;
}

.xz-page-header__heading {
  color: var(--xz-white);
  margin-bottom: var(--xz-g2);
}

.xz-page-header__lead {
  font-size: 1.0625rem;
  color: rgba(255, 255, 255, 0.72);
  line-height: 1.72;
}

/* ── SPLIT LAYOUT ── */

.xz-split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--xz-g5);
  align-items: center;
}

.xz-split--3-2 {
  grid-template-columns: 3fr 2fr;
}

.xz-split--2-3 {
  grid-template-columns: 2fr 3fr;
}

.xz-split__media {
  border-radius: var(--xz-r-lg);
  overflow: hidden;
  background-color: var(--xz-slate);
}

.xz-split__media img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
}

.xz-split__body p {
  font-size: 1rem;
  line-height: 1.78;
  color: var(--xz-ink);
  margin-bottom: var(--xz-g2);
}

/* ── INFO GRID (2-column) ── */

.xz-info-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: var(--xz-g3);
}

.xz-info-card {
  background-color: var(--xz-white);
  border: 1px solid var(--xz-rule);
  border-radius: var(--xz-r);
  padding: var(--xz-g3);
}

.xz-info-card__heading {
  font-family: var(--xz-sans);
  font-size: 1rem;
  font-weight: 600;
  color: var(--xz-navy);
  margin-bottom: 0.5rem;
}

.xz-info-card__text {
  font-size: 0.9375rem;
  color: var(--xz-mist);
  line-height: 1.68;
}

/* ── NOTICE ── */

.xz-notice {
  background-color: var(--xz-teal-bg);
  border-left: 4px solid var(--xz-teal);
  border-radius: 0 var(--xz-r) var(--xz-r) 0;
  padding: var(--xz-g3);
}

.xz-notice__title {
  font-family: var(--xz-sans);
  font-size: 1rem;
  font-weight: 700;
  color: var(--xz-navy);
  margin-bottom: 0.5rem;
}

.xz-notice__body {
  font-size: 0.9375rem;
  color: var(--xz-ink);
  line-height: 1.68;
}

/* ── FAQ ── */

.xz-faq-list {
  display: flex;
  flex-direction: column;
}

.xz-faq-item {
  border-top: 1px solid var(--xz-rule);
  padding: var(--xz-g3) 0;
}

.xz-faq-item:last-child {
  border-bottom: 1px solid var(--xz-rule);
}

.xz-faq-item__q {
  font-family: var(--xz-sans);
  font-size: 1rem;
  font-weight: 700;
  color: var(--xz-navy);
  margin-bottom: 0.625rem;
}

.xz-faq-item__a {
  font-size: 0.9375rem;
  color: var(--xz-mist);
  line-height: 1.72;
}

/* ── FUNCTION BLOCKS (alternating) ── */

.xz-func-list {
  display: flex;
  flex-direction: column;
  gap: 0;
}

.xz-func-block {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--xz-g4);
  align-items: center;
  padding: var(--xz-g4) 0;
  border-top: 1px solid var(--xz-rule);
}

.xz-func-block:first-child {
  border-top: none;
  padding-top: 0;
}

.xz-func-block--flip {
  direction: rtl;
}

.xz-func-block--flip > * {
  direction: ltr;
}

.xz-func-block__visual {
  border-radius: var(--xz-r-lg);
  overflow: hidden;
  background-color: var(--xz-slate);
  aspect-ratio: 4 / 3;
  display: flex;
  align-items: center;
  justify-content: center;
}

.xz-func-block__visual img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
}

.xz-func-block__tag {
  font-family: var(--xz-sans);
  font-size: 0.6875rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--xz-teal);
  margin-bottom: 0.875rem;
}

.xz-func-block__heading {
  font-family: var(--xz-sans);
  font-size: 1.375rem;
  font-weight: 700;
  color: var(--xz-navy);
  margin-bottom: var(--xz-g2);
  line-height: 1.3;
}

.xz-func-block__body {
  font-size: 1rem;
  color: var(--xz-ink);
  line-height: 1.78;
}

/* ── PROCESS STEPS (horizontal) ── */

.xz-process-row {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  border: 1px solid var(--xz-rule);
  border-radius: var(--xz-r-lg);
  overflow: hidden;
}

.xz-process-cell {
  padding: var(--xz-g3);
  border-right: 1px solid var(--xz-rule);
  position: relative;
}

.xz-process-cell:last-child {
  border-right: none;
}

.xz-process-cell__num {
  font-family: var(--xz-sans);
  font-size: 2.25rem;
  font-weight: 800;
  color: var(--xz-teal);
  opacity: 0.28;
  line-height: 1;
  margin-bottom: 0.75rem;
}

.xz-process-cell__title {
  font-family: var(--xz-sans);
  font-size: 1rem;
  font-weight: 700;
  color: var(--xz-navy);
  margin-bottom: 0.5rem;
}

.xz-process-cell__body {
  font-size: 0.9rem;
  color: var(--xz-mist);
  line-height: 1.65;
}

/* ── CTA STRIP ── */

.xz-cta-strip {
  background-color: var(--xz-navy-deep);
  padding: var(--xz-g4) 0;
}

.xz-cta-strip__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--xz-g3);
  flex-wrap: wrap;
}

.xz-cta-strip__text-block {
  flex: 1;
  min-width: 200px;
}

.xz-cta-strip__heading {
  font-family: var(--xz-sans);
  font-size: 1.375rem;
  font-weight: 700;
  color: var(--xz-white);
  margin-bottom: 0.375rem;
}

.xz-cta-strip__sub {
  font-size: 0.9375rem;
  color: rgba(255, 255, 255, 0.62);
}

/* ── CONTACT ── */

.xz-contact-layout {
  display: grid;
  grid-template-columns: 5fr 7fr;
  gap: var(--xz-g5);
  align-items: start;
}

.xz-contact-details__group {
  margin-bottom: var(--xz-g3);
}

.xz-contact-details__label {
  font-family: var(--xz-sans);
  font-size: 0.6875rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--xz-mist);
  margin-bottom: 0.375rem;
}

.xz-contact-details__value {
  font-size: 0.9375rem;
  color: var(--xz-ink);
  line-height: 1.62;
}

.xz-contact-details__value a {
  color: var(--xz-teal);
}

/* ── FORM ── */

.xz-form {
  display: flex;
  flex-direction: column;
  gap: var(--xz-g2);
  background-color: var(--xz-white);
  border: 1px solid var(--xz-rule);
  border-radius: var(--xz-r-lg);
  padding: var(--xz-g3);
}

.xz-form-duo {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--xz-g2);
}

.xz-form__field {
  display: flex;
  flex-direction: column;
  gap: 0.375rem;
}

.xz-form__label {
  font-family: var(--xz-sans);
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--xz-ink);
}

.xz-form__req {
  color: var(--xz-teal);
  margin-left: 2px;
}

.xz-form__input,
.xz-form__select,
.xz-form__textarea {
  width: 100%;
  padding: 0.6875rem 0.9375rem;
  border: 1.5px solid var(--xz-rule);
  border-radius: var(--xz-r);
  font-family: var(--xz-serif);
  font-size: 0.9375rem;
  color: var(--xz-ink);
  background-color: var(--xz-white);
  transition: border-color 0.14s ease, box-shadow 0.14s ease;
  -webkit-appearance: none;
  appearance: none;
}

.xz-form__input:focus,
.xz-form__select:focus,
.xz-form__textarea:focus {
  outline: none;
  border-color: var(--xz-teal);
  box-shadow: 0 0 0 3px rgba(44, 191, 170, 0.16);
}

.xz-form__textarea {
  resize: vertical;
  min-height: 150px;
  line-height: 1.65;
}

.xz-form__select {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='7' viewBox='0 0 12 7'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%236b7a9a' stroke-width='1.5' fill='none' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 0.9375rem center;
  padding-right: 2.5rem;
  cursor: pointer;
}

.xz-form__note {
  font-family: var(--xz-sans);
  font-size: 0.8125rem;
  color: var(--xz-mist);
  line-height: 1.55;
}

.xz-form__actions {
  display: flex;
  align-items: center;
  gap: var(--xz-g2);
  flex-wrap: wrap;
  margin-top: var(--xz-g1);
}

/* ── FOOTER ── */

.xz-footer {
  background-color: var(--xz-navy-deep);
  color: rgba(255, 255, 255, 0.65);
  padding-top: var(--xz-g5);
}

.xz-footer__main {
  display: grid;
  grid-template-columns: 1.8fr 1fr 1fr 1fr;
  gap: var(--xz-g4);
  padding-bottom: var(--xz-g4);
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}

.xz-footer__brand-name {
  font-family: var(--xz-sans);
  font-size: 1.125rem;
  font-weight: 800;
  color: var(--xz-white);
  letter-spacing: -0.03em;
  display: block;
  margin-bottom: 0.75rem;
}

.xz-footer__brand-desc {
  font-size: 0.875rem;
  line-height: 1.65;
  color: rgba(255, 255, 255, 0.5);
  margin-bottom: var(--xz-g2);
}

.xz-footer__contact-item {
  font-size: 0.8125rem;
  color: rgba(255, 255, 255, 0.45);
  line-height: 1.6;
}

.xz-footer__col-title {
  font-family: var(--xz-sans);
  font-size: 0.6875rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--xz-white);
  margin-bottom: var(--xz-g2);
}

.xz-footer__col-links {
  list-style: none;
  padding: 0;
  display: flex;
  flex-direction: column;
  gap: 0.625rem;
}

.xz-footer__col-link {
  font-size: 0.875rem;
  color: rgba(255, 255, 255, 0.55);
  text-decoration: none;
  transition: color 0.14s ease;
}

.xz-footer__col-link:hover {
  color: var(--xz-teal);
  text-decoration: none;
}

.xz-footer__col-link:focus-visible {
  outline: 1px solid var(--xz-teal);
  outline-offset: 2px;
  border-radius: 2px;
}

.xz-footer__base {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--xz-g2);
  padding: var(--xz-g2) 0;
  flex-wrap: wrap;
}

.xz-footer__copy {
  font-family: var(--xz-sans);
  font-size: 0.8125rem;
  color: rgba(255, 255, 255, 0.3);
}

.xz-footer__legal-row {
  display: flex;
  gap: 1.5rem;
  flex-wrap: wrap;
}

.xz-footer__legal-lnk {
  font-family: var(--xz-sans);
  font-size: 0.8125rem;
  color: rgba(255, 255, 255, 0.35);
  text-decoration: none;
  transition: color 0.14s ease;
}

.xz-footer__legal-lnk:hover {
  color: var(--xz-teal);
  text-decoration: none;
}

/* ── LEGAL PAGES ── */

.xz-legal-wrap {
  max-width: 760px;
}

.xz-legal-intro {
  background-color: var(--xz-slate);
  border-radius: var(--xz-r);
  padding: var(--xz-g3);
  margin-bottom: var(--xz-g4);
  font-size: 0.9375rem;
  color: var(--xz-mist);
  line-height: 1.72;
}

.xz-legal-section {
  margin-bottom: var(--xz-g4);
}

.xz-legal-section__heading {
  font-family: var(--xz-sans);
  font-size: 1.125rem;
  font-weight: 700;
  color: var(--xz-navy);
  margin-bottom: 0.875rem;
  padding-bottom: 0.625rem;
  border-bottom: 2px solid var(--xz-teal-bg);
}

.xz-legal-section__body {
  font-size: 0.9375rem;
  line-height: 1.78;
  color: var(--xz-ink);
}

.xz-legal-section__body p + p {
  margin-top: 0.875rem;
}

.xz-legal-section__body ul {
  margin-top: 0.75rem;
  margin-bottom: 0.75rem;
}

.xz-legal-section__body li {
  margin-bottom: 0.375rem;
  color: var(--xz-ink);
}

.xz-legal-nav {
  display: flex;
  gap: var(--xz-g2);
  flex-wrap: wrap;
  margin-top: var(--xz-g4);
  padding-top: var(--xz-g3);
  border-top: 1px solid var(--xz-rule);
}

/* ── FEATURE IMAGE ── */

.xz-feature-img {
  border-radius: var(--xz-r-lg);
  width: 100%;
  height: auto;
  max-width: 680px;
  margin: 0 auto;
  display: block;
}

.xz-contact-subheading {
  font-family: var(--xz-sans);
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--xz-ink);
  margin-bottom: var(--xz-g3);
  line-height: 1.3;
  letter-spacing: -0.015em;
}

.xz-contact-img {
  border-radius: var(--xz-r-lg);
  width: 100%;
  height: auto;
}

/* ── DIVIDER ── */

.xz-rule {
  border: none;
  border-top: 1px solid var(--xz-rule);
}

/* ── UTILS ── */

.xz-mt-1 { margin-top: var(--xz-g1); }
.xz-mt-2 { margin-top: var(--xz-g2); }
.xz-mt-3 { margin-top: var(--xz-g3); }
.xz-mt-4 { margin-top: var(--xz-g4); }
.xz-mb-2 { margin-bottom: var(--xz-g2); }
.xz-mb-3 { margin-bottom: var(--xz-g3); }
.xz-mb-4 { margin-bottom: var(--xz-g4); }

/* ── TABLET BREAKPOINT ── */

@media (max-width: 1023px) {
  .xz-hero__layout {
    grid-template-columns: 1fr;
  }

  .xz-hero__visual {
    display: none;
  }

  .xz-purpose-layout {
    grid-template-columns: 1fr;
  }

  .xz-panel-row {
    grid-template-columns: repeat(2, 1fr);
  }

  .xz-steps-row {
    grid-template-columns: repeat(2, 1fr);
  }

  .xz-split,
  .xz-split--3-2,
  .xz-split--2-3 {
    grid-template-columns: 1fr;
  }

  .xz-footer__main {
    grid-template-columns: 1fr 1fr;
    gap: var(--xz-g3);
  }

  .xz-contact-layout {
    grid-template-columns: 1fr;
  }

  .xz-func-block {
    grid-template-columns: 1fr;
  }

  .xz-func-block--flip {
    direction: ltr;
  }

  .xz-process-row {
    grid-template-columns: 1fr;
  }

  .xz-process-cell {
    border-right: none;
    border-bottom: 1px solid var(--xz-rule);
  }

  .xz-process-cell:last-child {
    border-bottom: none;
  }

  .xz-explore-duo {
    grid-template-columns: 1fr;
  }

  .xz-cta-strip__inner {
    flex-direction: column;
    align-items: flex-start;
  }

  .xz-info-grid {
    grid-template-columns: 1fr;
  }
}

/* ── MOBILE BREAKPOINT ── */

@media (max-width: 767px) {
  :root {
    --xz-g5: 3rem;
    --xz-g4: 2rem;
    --xz-g3: 1.375rem;
  }

  .xz-topbar__inner {
    min-height: auto;
    padding-top: 0.75rem;
    padding-bottom: 0.75rem;
    flex-direction: column;
    align-items: flex-start;
    gap: 0.5rem;
  }

  .xz-topbar__links {
    gap: 0;
  }

  .xz-topbar__link {
    font-size: 0.8125rem;
    padding: 0.3rem 0.6rem;
  }

  .xz-topbar__link--action {
    margin-left: 0;
  }

  .xz-panel-row {
    grid-template-columns: 1fr;
  }

  .xz-steps-row {
    grid-template-columns: 1fr;
  }

  .xz-footer__main {
    grid-template-columns: 1fr;
  }

  .xz-footer__base {
    flex-direction: column;
    align-items: flex-start;
    gap: 0.75rem;
  }

  .xz-form-duo {
    grid-template-columns: 1fr;
  }

  .xz-hero__actions {
    flex-direction: column;
    align-items: flex-start;
  }

  .xz-btn {
    width: 100%;
    text-align: center;
  }

  .xz-page-header {
    padding-top: var(--xz-g4);
    padding-bottom: var(--xz-g3);
  }

  .xz-func-block__visual {
    aspect-ratio: 16 / 9;
  }
}