/* =====================================================================
   Brown & Ferguson — V15 homepage re-skin
   Implements BF_homepage_build_brief.md as an approved visual "skin".

   SCOPE: design TOKENS are global (:root). Everything else is scoped to
   `.bf-v15` — a body class added (functions.php) to the homepage and the
   converted inner pages only, so un-converted pages (Tools, Portal, etc.)
   keep their current look. Chrome restyles the EXISTING header classes
   (presentation-only) so all JS/menu/mobile-toggle functionality is kept.
   Homepage-only sections (.hero, .profile) only ever have markup on the
   front page. Inner pages reuse the compact header band + cards + CTA.
   ===================================================================== */

/* ---------- DESIGN TOKENS (global, single source — brief §2) ---------- */
:root{
  --ground:#0C2138; --header:#13314E; --footer:#081728;
  --accent:#1C6C97; --accent-soft:#2B86B0; --accent-deep:#155679;   /* signature petrol-blue */
  --bronze:#B0875A; --bronze-soft:#C8A276;                          /* section labels, warmth */
  --gold-bg:#F1E8D6;                                                /* Private Client tier only */
  --taupe:#F2F0E9;                                                  /* alternating light band */
  --ink:#11202F;            /* dark text on light */
  --ink-soft:#4C5E70;       /* muted dark text */
  --paper:#FFFFFF; --paper-2:#EDF1F5; --paper-3:#F4F7FA;
  --silver:#C6D0DA; --silver-mute:#8693A3; --white:#F4F8FC;
  --line:#E2E8EE; --line-d:rgba(198,208,218,.14); --line-bronze:rgba(176,135,90,.5);
  --ease:cubic-bezier(.65,0,.35,1);
  --maxw:1280px; --pad:clamp(24px,5vw,72px);
}

/* ---------- shared primitives used by the ported sections ---------- */
.bf-v15 .wrap{max-width:var(--maxw);margin:0 auto;padding:0 var(--pad)}
.bf-v15 .eyebrow{display:inline-flex;align-items:center;gap:13px;font-family:'Inter',sans-serif;font-size:12px;font-weight:600;letter-spacing:.18em;text-transform:uppercase;color:var(--bronze);margin-bottom:22px}
.bf-v15 .eyebrow::before{content:"";width:34px;height:1px;background:currentColor}
.bf-v15 .eyebrow--accent{color:var(--accent)}
.bf-v15 .btn{font-family:'Inter',sans-serif;font-weight:600;font-size:13.5px;letter-spacing:.05em;text-transform:uppercase;padding:15px 28px;border-radius:2px;border:1px solid transparent;transition:.3s var(--ease);display:inline-flex;align-items:center;gap:9px;cursor:pointer;line-height:1}
.bf-v15 .btn-p{background:var(--accent);color:#fff}
.bf-v15 .btn-p:hover{background:var(--accent-soft);transform:translateY(-1px)}
.bf-v15 .btn-g{border-color:var(--line);color:var(--ink-soft)}
.bf-v15 .btn-g:hover{border-color:var(--accent);color:var(--ink)}
.bf-v15 .btn-gd{border-color:var(--silver-mute);color:var(--silver)}
.bf-v15 .btn-gd:hover{border-color:var(--bronze);color:#fff}
.bf-v15 .btn-bz{background:var(--bronze);color:#fff}
.bf-v15 .btn-bz:hover{background:var(--bronze-soft)}

/* =====================================================================
   1 + 2. GLOBAL CHROME — util bar + header/nav  (brief §4 rows 1–2)
   Restyles the existing .bf-* chrome markup; scoped to .bf-v15for now.
   ===================================================================== */

/* whole header sticks (util + main together) and goes light */
.bf-v15 .bf-site-header{position:sticky;top:0;z-index:50;background:#fff;border-bottom:1px solid var(--line);box-shadow:none}
/* Header chrome runs FULL WIDTH (not capped to --maxw like the content), so the
   wordmark sits out at the top-left edge and the nav/CTA at the right edge.
   Applies to both header rows (utility bar + logo/nav) so they stay aligned. */
.bf-v15 .bf-site-header .bf-container{max-width:none;width:100%;margin-inline:auto;padding-inline:clamp(20px,3vw,48px)}

/* --- utility bar --- */
.bf-v15 .bf-topbar{background:#EBEFF4;color:#647689;border-bottom:1px solid var(--line)}
.bf-v15 .bf-topbar__inner{display:flex;justify-content:space-between;align-items:center;padding-top:8px;padding-bottom:8px}
.bf-v15 .bf-topbar__alert{margin:0;font-family:'Roboto',sans-serif;font-weight:400;font-size:12px;letter-spacing:.04em;text-transform:none;color:#647689}
.bf-v15 .bf-topbar__links{display:flex;align-items:center;gap:18px}
.bf-v15 .bf-topbar__portal{background:var(--accent);color:#fff;padding:4px 14px;border:none;border-radius:2px;font-family:'Inter',sans-serif;font-weight:600;font-size:11px;letter-spacing:.06em;text-transform:uppercase;line-height:1.6}
.bf-v15 .bf-topbar__portal:hover{background:var(--accent-soft)}

/* --- header main row --- */
.bf-v15 .bf-header-main{display:flex;align-items:center;justify-content:space-between;padding-top:20px;padding-bottom:20px}
/* --- thin utility strip: Client Portal + Get Started only --------------------
   Base rules UNSCOPED so the legacy (non-v15) dark header renders it too. */
.bf-utility__inner{display:flex;justify-content:flex-end;align-items:center;gap:20px}
.bf-v15 .bf-utility{background:#F4F6F9;border-bottom:1px solid var(--line)}
.bf-v15 .bf-utility__inner{padding-top:5px;padding-bottom:5px}
.bf-v15 .bf-utility__cta{background:var(--accent);color:#fff;padding:4px 15px;border:none;border-radius:2px;font-family:'Inter',sans-serif;font-weight:600;font-size:11px;letter-spacing:.06em;text-transform:uppercase;line-height:1.6;text-decoration:none}
.bf-v15 .bf-utility__cta:hover{background:var(--accent-soft)}
.bf-header-portal{white-space:nowrap;font-family:'Inter',sans-serif;font-size:12px;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:var(--bf-slate-300);text-decoration:none;transition:color .25s}
.bf-header-portal:hover{color:#fff}
.bf-v15 .bf-header-portal{color:var(--ink-soft)}
.bf-v15 .bf-header-portal:hover{color:var(--accent)}

/* --- "Resources" dropdown (Tools + Blog folded in) --------------------------
   Base rules UNSCOPED: without them the nested <ul> renders as an always-visible
   list and breaks the legacy header. ::before is an invisible hover bridge so the
   menu survives the gap between the link and the panel. */
.bf-menu li{position:relative}
.bf-menu .sub-menu{display:block;position:absolute;top:calc(100% + 20px);left:-18px;min-width:200px;list-style:none;margin:0;padding:8px 0;z-index:60;
  opacity:0;visibility:hidden;transform:translateY(6px);transition:opacity .2s,transform .2s,visibility .2s;
  background:var(--bf-slate-900);border:1px solid var(--bf-slate-600)}
.bf-menu .sub-menu::before{content:"";position:absolute;left:0;right:0;top:-20px;height:20px}
.bf-menu li:hover > .sub-menu,
.bf-menu li:focus-within > .sub-menu{opacity:1;visibility:visible;transform:translateY(0)}
.bf-menu .sub-menu a{display:block;padding:9px 18px;white-space:nowrap;border-bottom:0}
.bf-menu .menu-item-has-children > a::after{content:"";display:inline-block;margin-left:7px;vertical-align:middle;opacity:.65;
  border-left:3.5px solid transparent;border-right:3.5px solid transparent;border-top:4px solid currentColor}
/* v15 light dropdown panel */
.bf-v15 .bf-menu .sub-menu{background:#fff;border:1px solid var(--line);box-shadow:0 14px 30px -20px rgba(17,32,47,.45)}
.bf-v15 .bf-menu .sub-menu a{color:var(--ink-soft);font-size:12px;font-weight:600;letter-spacing:.06em;text-transform:uppercase;border-bottom:0;padding:9px 18px}
.bf-v15 .bf-menu .sub-menu a:hover{color:var(--ink);background:var(--taupe)}
.bf-v15 .bf-menu .sub-menu .current-menu-item > a{color:var(--ink);border-bottom:0;padding-bottom:9px}
/* the overview ("All Resources") item is the parent page — separate it from the sub-pages */
.bf-menu .sub-menu .bf-menu__overview{margin-bottom:5px;padding-bottom:5px;border-bottom:1px solid var(--bf-slate-600)}
.bf-v15 .bf-menu .sub-menu .bf-menu__overview{border-bottom-color:var(--line)}
/* mobile: the slide-out panel stacks the submenu inline instead of floating it */
@media (max-width:900px){
  /* must also name the .bf-v15-scoped panel rule — media queries add no specificity */
  .bf-menu .sub-menu,
  .bf-v15 .bf-menu .sub-menu{position:static;opacity:1;visibility:visible;transform:none;min-width:0;
    background:transparent;border:0;box-shadow:none;padding:0 0 6px 16px}
  .bf-menu .sub-menu::before{display:none}
  .bf-menu .menu-item-has-children > a::after{display:none}
}

/* --- wordmark --- */
.bf-v15 .bf-brand{display:inline-flex;text-decoration:none}
.bf-v15 .bf-wordmark{display:block;font-family:'Inter',sans-serif;line-height:1}
.bf-v15 .bf-wordmark__name{display:block;font-family:'Inter',sans-serif;font-weight:800;font-size:26px;letter-spacing:-.015em;color:var(--ink);line-height:1;text-transform:none}
.bf-v15 .bf-wordmark__amp{color:var(--ink)}
.bf-v15 .bf-wordmark__brand{color:var(--accent)}
.bf-v15 .bf-wordmark__descriptor{display:block;font-weight:500;color:var(--silver-mute);font-size:11px;letter-spacing:.24em;text-transform:uppercase;margin-top:6px}

/* --- primary nav --- */
.bf-v15 .bf-nav{display:flex;align-items:center;gap:24px}
.bf-v15 .bf-menu{display:flex;align-items:center;gap:24px;list-style:none;margin:0;padding:0}
.bf-v15 .bf-menu li{margin:0}
.bf-v15 .bf-menu a{display:inline-block;color:var(--ink-soft);font-family:'Inter',sans-serif;font-size:12px;font-weight:600;letter-spacing:.08em;text-transform:uppercase;transition:color .25s}
.bf-v15 .bf-menu a:hover{color:var(--ink)}
.bf-v15 .bf-menu .current-menu-item > a,
.bf-v15 .bf-menu a[aria-current="page"]{color:var(--ink);border-bottom:2px solid var(--accent);padding-bottom:4px}

/* --- Get Started --- */
.bf-v15 .bf-header-cta{display:flex;align-items:center}
.bf-v15 .bf-header-cta .bf-button{background:var(--accent);color:#fff;padding:10px 20px;border:none;border-radius:2px;font-family:'Inter',sans-serif;font-weight:600;font-size:12px;letter-spacing:.08em;text-transform:uppercase;line-height:1;white-space:nowrap}
.bf-v15 .bf-header-cta .bf-button:hover{background:var(--accent-soft)}

/* --- hamburger bars: dark on the white header (preserve toggle) --- */
.bf-v15 .bf-menu-toggle span,
.bf-v15 .bf-menu-toggle span::before,
.bf-v15 .bf-menu-toggle span::after{background:var(--ink)}

/* --- mobile slide-in panel: recolour the existing dark panel to light --- */
@media (max-width:1150px){
  .bf-v15 .bf-nav{background:#fff;border-left:1px solid var(--line)}
  .bf-v15 .bf-menu{flex-direction:column;align-items:flex-start;gap:0}
  .bf-v15 .bf-menu li{width:100%;border-bottom:1px solid var(--line)}
  .bf-v15 .bf-menu a{display:block;padding:14px 0;color:var(--ink-soft)}
  .bf-v15 .bf-menu .current-menu-item > a{border-bottom:2px solid var(--accent)}
  .bf-v15 .bf-header-cta{width:100%;margin-top:22px}
  .bf-v15 .bf-header-cta .bf-button{width:100%;justify-content:center}
}

/* =====================================================================
   3. HERO — dark band + knight + white wave  (brief §5, the centrepiece)
   ===================================================================== */
.bf-v15 main .hero{position:relative;background:#0A1A2E;overflow:hidden;min-height:70vh;display:flex;align-items:center;padding:clamp(72px,6vw,100px) 0 clamp(140px,14vw,186px)}
.bf-v15 main .hero .bg{position:absolute;inset:0;z-index:0;background:#08182B}
.bf-v15 main .hero .bg img{position:absolute;inset:0;width:100%;height:100%;object-fit:contain;object-position:right center;transform-origin:right top;transform:scale(0.88) translateX(2.5%)}
.bf-v15 main .hero .bg::after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(10,26,46,.96) 0%,rgba(10,26,46,.86) 35%,rgba(10,26,46,.46) 62%,rgba(10,26,46,.06) 85%,transparent 100%),linear-gradient(0deg,rgba(10,26,46,.6) 0%,rgba(10,26,46,0) 34%)}
.bf-v15 main .hero .wrap{position:relative;z-index:2;width:100%}
.bf-v15 main .hero .hero-copy{max-width:760px}
.bf-v15 main .hero .eyebrow{color:var(--bronze-soft)}
.bf-v15 main .hero h1{font-family:'Inter',sans-serif;font-weight:800;font-size:clamp(34px,3.8vw,54px);line-height:1.04;letter-spacing:-.028em;color:#fff;margin:0}
.bf-v15 main .hero h1 .bf-accent,
.bf-v15 main .hero h1 .ac{display:block;color:var(--accent-soft)}
.bf-v15 main .hero .sub{margin-top:22px;font-family:'Roboto',sans-serif;font-size:clamp(16px,1.2vw,18px);line-height:1.65;color:var(--silver);max-width:450px}
.bf-v15 main .hero .sub b{color:#E2EAF2;font-weight:500}
.bf-v15 main .hero .ctas{display:flex;gap:15px;margin-top:34px;flex-wrap:wrap}
.bf-v15 main .hero .trust{display:grid;grid-template-columns:repeat(4,1fr);gap:16px 20px;margin-top:42px;border-top:1px solid var(--line-bronze);padding-top:20px;max-width:560px}
.bf-v15 main .hero .trust > div b{display:block;font-family:'Inter',sans-serif;font-weight:700;font-size:22px;color:#fff;letter-spacing:-.01em;margin-bottom:3px}
.bf-v15 main .hero .trust > div{font-family:'Inter',sans-serif;font-size:11px;letter-spacing:.08em;text-transform:uppercase;color:var(--silver-mute);line-height:1.3}
@media (max-width:600px){.bf-v15 main .hero .trust{grid-template-columns:repeat(2,1fr);gap:22px}}
.bf-v15 main .hero .wave{position:absolute;left:0;right:0;bottom:-1px;z-index:3;width:100%;height:clamp(90px,12vw,150px);display:block}
.bf-v15 main .hero .vlabel{position:absolute;left:clamp(10px,2vw,26px);top:50%;transform:translateY(-50%) rotate(180deg);writing-mode:vertical-rl;z-index:2;font-family:'Inter',sans-serif;font-size:11px;font-weight:600;letter-spacing:.28em;text-transform:uppercase;color:rgba(198,208,218,.55)}
@media (max-width:1180px){.bf-v15 main .hero .vlabel{display:none}}

/* =====================================================================
   4. PRACTICE PROFILE + STATS (white)  (brief §4 row 4)
   Sits directly under the hero so the white wave blends into #fff.
   ===================================================================== */
.bf-v15 .profile{background:#fff;padding:clamp(24px,3vw,44px) 0 clamp(64px,8vw,108px)}
.bf-v15 .profile .grid{display:grid;grid-template-columns:1.1fr .9fr;gap:64px;align-items:start}
.bf-v15 .profile h2{font-family:'Inter',sans-serif;font-size:clamp(28px,3vw,40px);line-height:1.12;letter-spacing:-.02em;font-weight:800;color:var(--ink);max-width:520px;margin:0}
.bf-v15 .profile p{margin-top:20px;color:var(--ink-soft);font-size:17px;line-height:1.7;max-width:480px}
.bf-v15 .profile .card{background:#fff;border:1px solid var(--line);padding:38px}
.bf-v15 .profile .card .lbl{font-family:'Inter',sans-serif;font-size:12px;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:var(--accent);margin-bottom:20px;display:flex;align-items:center;gap:12px}
.bf-v15 .profile .card .lbl::before{content:"";width:28px;height:1px;background:var(--accent)}
.bf-v15 .profile .card .row{display:flex;justify-content:space-between;align-items:center;padding:16px 0;border-top:1px solid var(--line)}
.bf-v15 .profile .card .row:first-of-type{border-top:none}
.bf-v15 .profile .card .row span{color:var(--ink-soft);font-size:13px;letter-spacing:.04em;text-transform:uppercase}
.bf-v15 .profile .card .row b{font-family:'Inter',sans-serif;font-size:17px;color:var(--ink)}
.bf-v15 .profile .stats{display:grid;grid-template-columns:repeat(4,1fr);gap:0;margin-top:72px;border-top:1px solid var(--line)}
.bf-v15 .profile .stats > div{padding:30px 18px;border-left:1px solid var(--line)}
.bf-v15 .profile .stats > div:first-child{border-left:none}
.bf-v15 .profile .stats b{display:block;font-family:'Inter',sans-serif;font-weight:800;font-size:34px;letter-spacing:-.02em;color:var(--ink)}
.bf-v15 .profile .stats span{font-size:11px;letter-spacing:.1em;text-transform:uppercase;color:var(--silver-mute);margin-top:6px;display:block}
@media (max-width:900px){
  .bf-v15 .profile .grid{grid-template-columns:1fr;gap:36px}
  .bf-v15 .profile .stats{grid-template-columns:repeat(2,1fr)}
  .bf-v15 .profile .stats > div{border-left:none;border-top:1px solid var(--line)}
}

/* ---------- MOTION (brief §3) — accessible: only under no-preference ---------- */
@media (prefers-reduced-motion:no-preference){
  .bf-v15 .rv{opacity:0;transform:translateY(22px);animation:bf-rs .9s var(--ease) forwards}
  .bf-v15 .d1{animation-delay:.15s}
  .bf-v15 .d2{animation-delay:.3s}
  .bf-v15 .d3{animation-delay:.45s}
  .bf-v15 .d4{animation-delay:.62s}
  .bf-v15 .d5{animation-delay:.78s}
  .bf-v15 .d6{animation-delay:.95s}
  @keyframes bf-rs{to{opacity:1;transform:none}}
  .bf-v15 main .hero .bg img{animation:bf-kb 9s var(--ease) forwards}
  @keyframes bf-kb{from{transform:scale(0.92) translateX(2.5%)}to{transform:scale(0.88) translateX(2.5%)}}
  .bf-v15 .io{opacity:0;transform:translateY(26px);transition:opacity .8s var(--ease),transform .8s var(--ease)}
  .bf-v15 .io.in{opacity:1;transform:none}
}

/* =====================================================================
   INNER PAGES — compact header band + reusable components
   The big knight stays homepage-only; inner pages use board_pieces in a
   slim dark band (subject right / text on the dark left).
   ===================================================================== */

/* ---- compact header band: shared structure ---- */
.bf-v15 .bf-ihead{position:relative;overflow:hidden;padding:clamp(48px,7vw,82px) 0 clamp(40px,6vw,60px)}
.bf-v15 .bf-ihead .wrap{position:relative;z-index:2}
.bf-v15 .bf-ihead h1{font-family:'Inter',sans-serif;font-weight:800;font-size:clamp(30px,4vw,48px);line-height:1.05;letter-spacing:-.025em;margin:0}
.bf-v15 .bf-crumbs{margin-top:18px;font-family:'Inter',sans-serif;font-size:12px;font-weight:500;letter-spacing:.06em;text-transform:uppercase}
.bf-v15 .bf-crumbs span{margin:0 9px}
.bf-v15 .bf-crumbs a{transition:color .2s}
/* photo layer — only rendered when a chess image is passed */
.bf-v15 .bf-ihead .bg{position:absolute;inset:0;z-index:0;background:#08182B}
.bf-v15 .bf-ihead .bg img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:85% center}
/* per-image framing: the band crops hard vertically, so each photo needs its own
   focal point. compass sits high in frame — pull the window up so the lid isn't clipped. */
.bf-v15 .bf-ihead--img-compass .bg img{object-position:82% 34%}
/* PHOTO bands run taller than plain ones. Visible image = imgAspect / bandAspect,
   so extra height is the ONLY way to reveal more of the picture (a wider crop just
   pre-crops the same pixels). Plain bands keep the tighter padding. */
.bf-v15 .bf-ihead--photo{padding-top:clamp(72px,9vw,118px);padding-bottom:clamp(64px,8vw,96px)}
.bf-v15 .bf-ihead .bg::after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(10,26,46,.95) 0%,rgba(10,26,46,.86) 26%,rgba(10,26,46,.5) 58%,rgba(10,26,46,.12) 100%)}
/* DARK variant — marketing pages (Services, About) */
.bf-v15 .bf-ihead--dark{background:#0A1A2E}
.bf-v15 .bf-ihead--dark .eyebrow{color:var(--bronze-soft)}
.bf-v15 .bf-ihead--dark h1{color:#fff}
.bf-v15 .bf-ihead--dark .bf-crumbs{color:var(--silver-mute)}
.bf-v15 .bf-ihead--dark .bf-crumbs a{color:var(--silver)}
.bf-v15 .bf-ihead--dark .bf-crumbs a:hover{color:var(--accent-soft)}
.bf-v15 .bf-ihead--dark .bf-crumbs .cur{color:var(--silver-mute)}
/* PLAIN variant — utility pages: clean WHITE editorial header, no fill, just a
   bronze eyebrow + ink title + muted breadcrumb, closed by a single hairline. */
.bf-v15 .bf-ihead--plain{background:#fff;border-bottom:1px solid var(--line);padding:clamp(56px,7vw,92px) 0 clamp(44px,5vw,60px)}
.bf-v15 .bf-ihead--plain .eyebrow{color:var(--bronze)}
.bf-v15 .bf-ihead--plain h1{color:var(--ink)}
.bf-v15 .bf-ihead--plain .bf-crumbs{color:var(--silver-mute)}
.bf-v15 .bf-ihead--plain .bf-crumbs a{color:var(--ink-soft)}
.bf-v15 .bf-ihead--plain .bf-crumbs a:hover{color:var(--accent)}
.bf-v15 .bf-ihead--plain .bf-crumbs .cur{color:var(--silver-mute)}

/* ---- generic inner section + heading ---- */
.bf-v15 .bf-isec{padding:clamp(56px,7vw,96px) 0}
.bf-v15 .bf-isec--taupe{background:var(--taupe)}
.bf-v15 .bf-isec--white{background:#fff}
.bf-v15 .bf-isec--paper{background:var(--paper-2)}
.bf-v15 .bf-isec--paper-3{background:var(--paper-3)}
.bf-v15 .bf-ihd{max-width:680px;margin-bottom:48px}
.bf-v15 .bf-ihd h2{font-family:'Inter',sans-serif;font-size:clamp(28px,3.2vw,42px);letter-spacing:-.025em;font-weight:800;color:var(--ink);line-height:1.12}
.bf-v15 .bf-ihd p{margin-top:16px;color:var(--ink-soft);font-size:17px;line-height:1.6}

/* ---- service cards: separated, four-across, coloured icon tiles ---- */
.bf-v15 .svc-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;align-items:stretch}
.bf-v15 .svc-card{position:relative;display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-radius:0;padding:28px 26px;text-decoration:none;transition:border-color .22s var(--ease),box-shadow .22s var(--ease),transform .22s var(--ease);scroll-margin-top:150px}
.bf-v15 .svc-card[data-svc]{cursor:pointer}
.bf-v15 .svc-card:hover,.bf-v15 .svc-card:focus-visible{border-color:var(--accent);transform:translateY(-3px);box-shadow:0 16px 32px -18px rgba(28,108,151,.45)}
.bf-v15 .svc-card__top{display:flex;align-items:center;justify-content:space-between;margin-bottom:18px}
.bf-v15 .svc-card__ic{width:46px;height:46px;border-radius:0;display:inline-flex;align-items:center;justify-content:center;font-size:22px;flex:none;background:var(--paper-2);color:var(--accent);transition:color .22s var(--ease),background .22s var(--ease)}
.bf-v15 .svc-card:hover .svc-card__ic,.bf-v15 .svc-card.is-active .svc-card__ic{color:#fff;background:var(--accent)}
.bf-v15 .svc-card__ic--cta{background:var(--accent);color:#fff}
.bf-v15 .svc-card__no{font-family:'Inter',sans-serif;font-weight:700;font-size:14px;color:var(--bronze);letter-spacing:.04em}
.bf-v15 .svc-card h3{font-family:'Inter',sans-serif;font-weight:600;font-size:18px;margin:0 0 9px;letter-spacing:-.008em;color:var(--ink)}
.bf-v15 .svc-card p{font-family:'Roboto',sans-serif;color:var(--ink-soft);font-size:14px;line-height:1.65;margin:0}
.bf-v15 .svc-card .arw{margin-top:auto;padding-top:16px;color:var(--accent);font-family:'Inter',sans-serif;font-weight:600;font-size:12.5px;letter-spacing:.04em;text-transform:uppercase;opacity:0;transform:translateX(-6px);transition:opacity .22s var(--ease),transform .22s var(--ease)}
.bf-v15 .svc-card:hover .arw,.bf-v15 .svc-card.is-active .arw{opacity:1;transform:none}
.bf-v15 .svc-card--cta{background:var(--ink);border-color:var(--ink)}
.bf-v15 .svc-card--cta h3{color:#fff}
.bf-v15 .svc-card--cta p{color:var(--silver)}
.bf-v15 .svc-card--cta .arw{color:var(--bronze-soft);opacity:1;transform:none}
.bf-v15 .svc-card.is-active{border-color:var(--accent);box-shadow:0 16px 32px -18px rgba(28,108,151,.45)}
.bf-v15 .svc-card.is-active .arw{color:var(--bronze)}
/* --- inline drill-down drawer (spans the row, styled to match a card) --- */
.bf-v15 .svc-drawer{grid-column:1 / -1;align-self:start;overflow:hidden;height:0;background:#fff;border:1px solid var(--line);border-top:2px solid var(--bronze);border-radius:0;transition:height .42s var(--ease)}
.bf-v15 .svc-drawer__inner{position:relative;padding:clamp(28px,4vw,44px)}
.bf-v15 .svc-drawer__close{position:absolute;top:18px;right:18px;width:40px;height:40px;border:1px solid var(--line);background:#fff;color:var(--ink-soft);border-radius:0;cursor:pointer;display:flex;align-items:center;justify-content:center;font-size:18px;transition:.2s var(--ease);z-index:3}
.bf-v15 .svc-drawer__close:hover{background:var(--ink);color:#fff;border-color:var(--ink)}
.bf-v15 .svc-drawer__body{opacity:0;transform:translateY(10px);transition:opacity .4s var(--ease) .06s,transform .4s var(--ease) .06s}
.bf-v15 .svc-drawer.is-in .svc-drawer__body{opacity:1;transform:none}
.bf-v15 .svc-dhead{display:flex;gap:18px;align-items:flex-start;margin-bottom:26px;max-width:760px;padding-right:52px}
.bf-v15 .svc-dhead__ic{flex:none;width:50px;height:50px;border-radius:0;background:var(--accent);color:#fff;display:flex;align-items:center;justify-content:center;font-size:25px}
.bf-v15 .svc-dhead__eyebrow{font-family:'Inter',sans-serif;font-size:12px;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:var(--bronze);margin-bottom:8px}
.bf-v15 .svc-dhead__lede{color:var(--ink-soft);font-size:16px;line-height:1.7;margin:0}
.bf-v15 .svc-drawer .svc-detail{margin-top:0}
@media (max-width:1100px){.bf-v15 .svc-grid{grid-template-columns:repeat(3,1fr)}}
@media (max-width:820px){.bf-v15 .svc-grid{grid-template-columns:repeat(2,1fr)}}
@media (max-width:560px){.bf-v15 .svc-grid{grid-template-columns:1fr}}
@media (prefers-reduced-motion:reduce){.bf-v15 .svc-drawer,.bf-v15 .svc-drawer__body,.bf-v15 .svc-card{transition:none}}

/* ---- sectors grid ---- */
.bf-v15 .sect-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.bf-v15 .sect-card{background:#fff;border:1px solid var(--line);padding:28px;transition:.3s var(--ease)}
.bf-v15 .sect-card:hover{border-color:var(--accent);box-shadow:0 14px 34px -22px rgba(17,32,47,.4)}
.bf-v15 .sect-card .sect-head{display:flex;align-items:center;gap:12px;margin-bottom:14px}
.bf-v15 .sect-card .sect-ic{width:44px;height:44px;display:flex;align-items:center;justify-content:center;background:var(--paper-2);color:var(--accent);font-size:22px;flex:none}
.bf-v15 .sect-card h3{font-family:'Inter',sans-serif;font-size:17px;font-weight:700;color:var(--ink)}
.bf-v15 .sect-card ul{list-style:none;margin:0;padding:0}
.bf-v15 .sect-card li{display:flex;align-items:center;gap:8px;color:var(--ink-soft);font-size:14px;padding:5px 0}
.bf-v15 .sect-card li i{color:var(--accent);font-size:15px;flex:none}
@media (max-width:900px){.bf-v15 .sect-grid{grid-template-columns:1fr}}

/* ---- Private Client teaser (corporate palette — the gold tier is PC-page only) ---- */
.bf-v15 .pc-teaser{background:var(--taupe);border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:clamp(48px,6vw,80px) 0}
.bf-v15 .pc-teaser .inner{display:grid;grid-template-columns:1.25fr .75fr;gap:48px;align-items:center}
.bf-v15 .pc-teaser .eyebrow{color:var(--bronze)}
.bf-v15 .pc-teaser h2{font-family:'Inter',sans-serif;font-weight:800;font-size:clamp(24px,2.6vw,34px);letter-spacing:-.02em;color:var(--ink);line-height:1.12}
.bf-v15 .pc-teaser p{margin-top:14px;color:var(--ink-soft);font-size:16px;line-height:1.7;max-width:520px}
.bf-v15 .pc-teaser .pc-cta{text-align:right}
@media (max-width:820px){.bf-v15 .pc-teaser .inner{grid-template-columns:1fr;gap:24px}.bf-v15 .pc-teaser .pc-cta{text-align:left}}

/* ---- inner CTA band (board_empty bg, white text on the dark left) ---- */
.bf-v15 .bf-cta2{position:relative;overflow:hidden;background:var(--footer);padding:clamp(64px,8vw,104px) 0}
.bf-v15 .bf-cta2 .bg{position:absolute;inset:0;z-index:0}
.bf-v15 .bf-cta2 .bg img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:center}
.bf-v15 .bf-cta2 .bg::after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(8,23,40,.96) 0%,rgba(8,23,40,.82) 46%,rgba(8,23,40,.5) 100%)}
.bf-v15 .bf-cta2 .wrap{position:relative;z-index:2;max-width:640px}
.bf-v15 .bf-cta2 h2{font-family:'Inter',sans-serif;font-weight:800;font-size:clamp(26px,3vw,38px);letter-spacing:-.02em;color:#fff;line-height:1.1}
.bf-v15 .bf-cta2 p{margin-top:16px;color:var(--silver);font-size:17px;line-height:1.6}
.bf-v15 .bf-cta2 .ctas{margin-top:28px;display:flex;gap:14px;flex-wrap:wrap}

/* ---- single service page: detail blocks ---- */
.bf-v15 .svc-detail{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:8px}
.bf-v15 .svc-detail .col{background:#fff;border:1px solid var(--line);padding:28px}
.bf-v15 .svc-detail .col h3{font-family:'Inter',sans-serif;font-size:15px;font-weight:700;color:var(--accent);letter-spacing:.02em;margin-bottom:14px;display:flex;align-items:center;gap:9px}
.bf-v15 .svc-detail .col ul{list-style:none;margin:0;padding:0}
.bf-v15 .svc-detail .col li{color:var(--ink-soft);font-size:14.5px;line-height:1.5;padding:7px 0;border-top:1px solid var(--line)}
.bf-v15 .svc-detail .col li:first-child{border-top:none}
@media (max-width:900px){.bf-v15 .svc-detail{grid-template-columns:1fr}}
.bf-v15 .svc-note{margin-top:28px;background:var(--paper-2);border:1px solid var(--line);border-left:3px solid var(--accent);padding:24px 28px;display:flex;align-items:center;gap:18px;flex-wrap:wrap}
.bf-v15 .svc-note .ic{font-size:30px;color:var(--accent);flex:none}
.bf-v15 .svc-note b{font-family:'Inter',sans-serif;color:var(--ink);display:block;margin-bottom:3px}
.bf-v15 .svc-note span{color:var(--ink-soft);font-size:14.5px}
.bf-v15 .svc-back{margin-top:36px}
.bf-v15 .svc-back a{font-family:'Inter',sans-serif;font-weight:600;font-size:13px;letter-spacing:.04em;text-transform:uppercase;color:var(--accent)}

/* =====================================================================
   CONTENT-PAGE COMPONENTS (About, and reusable across inner pages)
   ===================================================================== */
/* generic stat strip */
.bf-v15 .bf-stats{display:grid;grid-template-columns:repeat(4,1fr);gap:0;border-top:1px solid var(--line);margin-top:54px}
.bf-v15 .bf-stats > div{padding:28px 18px;border-left:1px solid var(--line)}
.bf-v15 .bf-stats > div:first-child{border-left:none}
.bf-v15 .bf-stats b{display:block;font-family:'Inter',sans-serif;font-weight:800;font-size:32px;letter-spacing:-.02em;color:var(--ink)}
.bf-v15 .bf-stats span{font-size:11px;letter-spacing:.1em;text-transform:uppercase;color:var(--silver-mute);margin-top:6px;display:block}
@media (max-width:780px){.bf-v15 .bf-stats{grid-template-columns:repeat(2,1fr)}.bf-v15 .bf-stats > div{border-left:none;border-top:1px solid var(--line)}}

/* two-column intro/content row */
.bf-v15 .bf-2col{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
@media (max-width:860px){.bf-v15 .bf-2col{grid-template-columns:1fr;gap:32px}}
.bf-v15 .bf-2col h2{font-family:'Inter',sans-serif;font-size:clamp(28px,3.2vw,42px);letter-spacing:-.025em;font-weight:800;color:var(--ink);line-height:1.12;margin:0}
.bf-v15 .bf-prose p{color:var(--ink-soft);font-size:16px;line-height:1.8;margin-bottom:18px}
.bf-v15 .bf-prose p:last-child{margin-bottom:0}
.bf-v15 .bf-prose p.note{margin-top:18px;padding-top:18px;border-top:1px solid var(--line)}
.bf-v15 .bf-prose strong{color:var(--bronze);font-weight:600}

/* founded card */
.bf-v15 .founded{background:#fff;border:1px solid var(--line);padding:32px}
.bf-v15 .founded .big{text-align:center;margin-bottom:24px}
.bf-v15 .founded .big b{font-family:'Inter',sans-serif;font-size:60px;font-weight:800;color:var(--ink);letter-spacing:-.03em;display:block;line-height:1}
.bf-v15 .founded .big span{color:var(--ink-soft);font-size:14px;margin-top:6px;display:block}
.bf-v15 .founded .rows{border-top:1px solid var(--line);padding-top:22px}
.bf-v15 .founded .r{display:flex;align-items:flex-start;gap:12px;margin-bottom:16px}
.bf-v15 .founded .r:last-child{margin-bottom:0}
.bf-v15 .founded .r > i{color:var(--accent);font-size:20px;margin-top:2px}
.bf-v15 .founded .r b{font-family:'Inter',sans-serif;color:var(--ink);font-size:15px;display:block}
.bf-v15 .founded .r span{color:var(--ink-soft);font-size:13px}

/* feature / value cards */
.bf-v15 .feat-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:24px}
.bf-v15 .feat-card{background:#fff;border:1px solid var(--line);padding:28px;transition:.3s var(--ease)}
.bf-v15 .feat-card:hover{border-color:var(--accent)}
.bf-v15 .feat-card .ic{width:46px;height:46px;display:flex;align-items:center;justify-content:center;background:var(--paper-2);color:var(--accent);font-size:22px;margin-bottom:16px}
.bf-v15 .feat-card h3{font-family:'Inter',sans-serif;font-size:17px;font-weight:700;color:var(--ink);margin-bottom:8px}
.bf-v15 .feat-card p{color:var(--ink-soft);font-size:14px;line-height:1.6}
@media (max-width:920px){.bf-v15 .feat-grid{grid-template-columns:repeat(2,1fr)}}
@media (max-width:520px){.bf-v15 .feat-grid{grid-template-columns:1fr}}

/* qualification cards */
.bf-v15 .qual-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;margin-bottom:40px}
.bf-v15 .qual-card{background:#fff;border:1px solid var(--line);border-top:3px solid var(--accent);padding:26px 18px;text-align:center}
.bf-v15 .qual-card b{font-family:'Inter',sans-serif;font-size:30px;font-weight:800;color:var(--accent);letter-spacing:-.02em;display:block}
.bf-v15 .qual-card .t{font-size:13px;color:var(--ink);margin-top:8px}
.bf-v15 .qual-card .s{font-size:11px;color:var(--silver-mute);margin-top:3px}
@media (max-width:720px){.bf-v15 .qual-grid{grid-template-columns:repeat(2,1fr)}}

/* commitment two-up panel */
.bf-v15 .commit{background:#fff;border:1px solid var(--line);padding:32px;display:grid;grid-template-columns:1fr 1fr;gap:36px}
.bf-v15 .commit h3{font-family:'Inter',sans-serif;font-size:18px;font-weight:700;color:var(--ink);margin-bottom:12px;display:flex;align-items:center;gap:9px}
.bf-v15 .commit h3 i{color:var(--accent)}
.bf-v15 .commit p{color:var(--ink-soft);font-size:14.5px;line-height:1.8}
@media (max-width:720px){.bf-v15 .commit{grid-template-columns:1fr;gap:24px}}

/* affiliations + partner logos */
.bf-v15 .aff-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:24px}
.bf-v15 .aff{text-align:center}
.bf-v15 .aff .tile{width:78px;height:78px;display:flex;align-items:center;justify-content:center;margin:0 auto 12px;background:var(--paper-2);border:1px solid var(--line);font-family:'Inter',sans-serif;font-weight:700;color:var(--accent);font-size:14px;letter-spacing:.04em}
.bf-v15 .aff .lbl{color:var(--ink-soft);font-size:12px;line-height:1.45}
@media (max-width:720px){.bf-v15 .aff-grid{grid-template-columns:repeat(2,1fr);gap:30px}}
.bf-v15 .logo-row{display:flex;align-items:center;flex-wrap:wrap;gap:46px}
.bf-v15 .logo-row .partner-logo img{max-height:30px;width:auto}
.bf-v15 .logo-row .partner-logo span{font-size:18px;font-weight:700}

/* =====================================================================
   CONTACT page
   ===================================================================== */
.bf-v15 .bf-contact{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:start}
@media (max-width:860px){.bf-v15 .bf-contact{grid-template-columns:1fr;gap:32px}}
.bf-v15 .bf-formcard{background:#fff;border:1px solid var(--line);padding:36px}
.bf-v15 .bf-field{margin-bottom:20px}
.bf-v15 .bf-field--2{display:grid;grid-template-columns:1fr 1fr;gap:16px}
@media (max-width:480px){.bf-v15 .bf-field--2{grid-template-columns:1fr}}
.bf-v15 .bf-formcard label{font-family:'Inter',sans-serif;font-size:13px;font-weight:600;color:var(--ink);display:block;margin-bottom:8px}
.bf-v15 .bf-formcard label i{color:var(--accent);margin-right:6px}
.bf-v15 .bf-formcard label .opt{color:var(--silver-mute);font-weight:400}
.bf-v15 .bf-input{width:100%;padding:13px 14px;border:1px solid var(--line);border-radius:2px;font-size:14px;font-family:'Roboto',sans-serif;color:var(--ink);background:#fff;transition:border-color .2s}
.bf-v15 .bf-input:focus{outline:none;border-color:var(--accent)}
.bf-v15 select.bf-input{cursor:pointer}
.bf-v15 textarea.bf-input{resize:vertical;min-height:120px}
.bf-v15 .bf-formcard .btn{width:100%;justify-content:center;margin-top:4px}
.bf-v15 .bf-success{display:none;text-align:center;padding:36px 16px}
.bf-v15 .bf-success .ck{width:60px;height:60px;background:var(--paper-2);border-radius:50%;display:flex;align-items:center;justify-content:center;margin:0 auto 16px;color:var(--accent);font-size:30px}
.bf-v15 .bf-success h3{font-family:'Inter',sans-serif;font-size:20px;color:var(--ink);margin-bottom:8px}
.bf-v15 .bf-success p{color:var(--ink-soft)}
.bf-v15 .bf-office{background:var(--paper-3);border:1px solid var(--line);padding:30px;margin-bottom:18px}
.bf-v15 .bf-office h3{font-family:'Inter',sans-serif;font-size:17px;font-weight:700;color:var(--ink);margin-bottom:22px;display:flex;align-items:center;gap:10px}
.bf-v15 .bf-office h3 > i{color:var(--accent)}
.bf-v15 .bf-office .oi{display:flex;align-items:flex-start;gap:12px;margin-bottom:18px}
.bf-v15 .bf-office .oi:last-child{margin-bottom:0}
.bf-v15 .bf-office .oi > i{color:var(--accent);font-size:19px;margin-top:2px;flex:none}
.bf-v15 .bf-office .oi b{font-family:'Inter',sans-serif;font-size:14px;color:var(--ink);display:block;margin-bottom:3px}
.bf-v15 .bf-office .oi span,.bf-v15 .bf-office .oi a{color:var(--ink-soft);font-size:14px;line-height:1.6;text-decoration:none}
.bf-v15 .bf-office .oi a:hover{color:var(--accent)}
.bf-v15 .bf-map{border:1px solid var(--line);overflow:hidden;margin-bottom:14px}
.bf-v15 .bf-map iframe{display:block;width:100%;height:260px;border:0}
.bf-v15 .bf-quick{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.bf-v15 .bf-quick a{display:flex;align-items:center;justify-content:center;gap:8px;padding:13px;border:1px solid var(--line);background:#fff;color:var(--ink);font-family:'Inter',sans-serif;font-size:13px;font-weight:600;text-decoration:none;transition:.2s}
.bf-v15 .bf-quick a:hover{border-color:var(--accent);color:var(--accent)}
.bf-v15 .bf-quick a i{color:var(--accent)}

/* =====================================================================
   SINGLE POST
   ===================================================================== */
.bf-v15 .bf-post{max-width:760px;margin:0 auto}
.bf-v15 .bf-post .meta{font-family:'Inter',sans-serif;font-size:13px;letter-spacing:.04em;text-transform:uppercase;color:var(--silver-mute);margin-bottom:28px}
.bf-v15 .bf-post .bf-feature{margin-bottom:32px}
.bf-v15 .bf-post .bf-feature img{width:100%;height:auto;display:block}
.bf-v15 .bf-post .entry-content{color:var(--ink-soft);font-size:17px;line-height:1.8}
.bf-v15 .bf-post .entry-content p{margin-bottom:20px}
.bf-v15 .bf-post .entry-content h2{font-family:'Inter',sans-serif;font-size:26px;font-weight:800;color:var(--ink);letter-spacing:-.02em;margin:36px 0 14px}
.bf-v15 .bf-post .entry-content h3{font-family:'Inter',sans-serif;font-size:20px;font-weight:700;color:var(--ink);margin:28px 0 12px}
.bf-v15 .bf-post .entry-content a{color:var(--accent);text-decoration:underline}
.bf-v15 .bf-post .entry-content ul,.bf-v15 .bf-post .entry-content ol{margin:0 0 20px 22px}
.bf-v15 .bf-post .entry-content li{margin-bottom:8px}
.bf-v15 .bf-post .entry-content blockquote{border-left:3px solid var(--accent);padding-left:20px;margin:24px 0;color:var(--ink);font-style:italic}
.bf-v15 .bf-post .entry-content img{max-width:100%;height:auto}
.bf-v15 .bf-post-nav{max-width:760px;margin:40px auto 0;display:flex;justify-content:space-between;gap:16px;border-top:1px solid var(--line);padding-top:24px;font-family:'Inter',sans-serif;font-weight:600;font-size:14px}
.bf-v15 .bf-post-nav a{color:var(--accent)}

/* =====================================================================
   PRICING page
   ===================================================================== */
/* plan cards */
.bf-v15 .price-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
@media (max-width:1080px){.bf-v15 .price-grid{grid-template-columns:repeat(2,1fr)}}
@media (max-width:560px){.bf-v15 .price-grid{grid-template-columns:1fr}}
.bf-v15 .price-card{background:#fff;border:1px solid var(--line);padding:32px 26px;position:relative;display:flex;flex-direction:column;transition:.3s var(--ease)}
.bf-v15 .price-card:hover{border-color:var(--accent)}
.bf-v15 .price-card.feat{border-color:var(--accent);box-shadow:0 18px 44px -28px rgba(28,108,151,.5)}
.bf-v15 .price-card.sel{border-color:var(--accent);box-shadow:0 0 0 1.5px var(--accent)}
.bf-v15 .price-card.gold{border-top:3px solid var(--bronze)}
.bf-v15 .price-badge{position:absolute;top:0;right:0;background:var(--accent);color:#fff;font-family:'Inter',sans-serif;font-size:10px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;padding:5px 12px}
.bf-v15 .price-card.gold .price-badge{background:var(--bronze)}
.bf-v15 .price-name{font-family:'Inter',sans-serif;font-size:15px;font-weight:700;color:var(--ink);letter-spacing:.02em}
.bf-v15 .price-amt{font-family:'Inter',sans-serif;font-size:34px;font-weight:800;color:var(--ink);letter-spacing:-.02em;margin-top:10px;line-height:1}
.bf-v15 .price-card.gold .price-amt{color:var(--bronze)}
.bf-v15 .price-per{color:var(--ink-soft);font-size:13px;margin:6px 0 20px}
.bf-v15 .price-feats{list-style:none;margin:0 0 24px;padding:0;flex:1}
.bf-v15 .price-feats li{color:var(--ink-soft);font-size:13.5px;line-height:1.4;padding:8px 0;border-top:1px solid var(--line);display:flex;align-items:flex-start;gap:9px}
.bf-v15 .price-feats li::before{content:"";width:5px;height:5px;background:var(--accent);border-radius:50%;margin-top:7px;flex:none}
.bf-v15 .price-card.gold .price-feats li::before{background:var(--bronze)}
.bf-v15 .price-card .btn{width:100%;justify-content:center}
.bf-v15 .price-note{text-align:center;margin-top:8px;font-size:10px;color:var(--silver-mute)}

/* quote builder */
.bf-v15 .quote-wrap{display:grid;grid-template-columns:1.2fr .8fr;gap:28px;align-items:start}
@media (max-width:820px){.bf-v15 .quote-wrap{grid-template-columns:1fr}}
.bf-v15 .quote-panel{background:#fff;border:1px solid var(--line);padding:28px}
.bf-v15 .quote-field{margin-bottom:24px}
.bf-v15 .quote-field:last-child{margin-bottom:0}
.bf-v15 .quote-field > label{font-family:'Inter',sans-serif;font-size:14px;font-weight:600;color:var(--ink);display:block;margin-bottom:12px}
.bf-v15 .quote-field > label > i{color:var(--accent);margin-right:8px}
.bf-v15 .quote-hint{font-size:10px;color:var(--silver-mute);margin-top:6px;line-height:1.5}
.bf-v15 .quote-opts{display:grid;grid-template-columns:repeat(5,1fr);gap:6px}
.bf-v15 .quote-option{padding:12px 4px;background:#fff;border:1.5px solid var(--line);color:var(--ink-soft);cursor:pointer;font-family:'Inter',sans-serif;font-size:10px;font-weight:600;border-radius:2px;transition:.2s;text-align:center;line-height:1.3}
.bf-v15 .quote-option:hover{border-color:var(--silver-mute)}
.bf-v15 .quote-option.on{background:var(--paper-2);border-color:var(--accent);color:var(--accent-deep)}
.bf-v15 .quote-emp{width:140px;padding:12px;border:1.5px solid var(--line);border-radius:2px;color:var(--ink);font-family:'Inter',sans-serif;font-size:16px;font-weight:600;text-align:center}
.bf-v15 .quote-emp:focus{outline:none;border-color:var(--accent)}
.bf-v15 .quote-empnote{font-size:11px;color:var(--ink-soft);margin-left:12px}
.bf-v15 .bf-opts{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.bf-v15 .bf-opt{display:flex;align-items:center;gap:10px;padding:12px;background:#fff;border:1.5px solid var(--line);border-radius:2px;cursor:pointer;font-size:12px;color:var(--ink-soft);transition:.2s}
.bf-v15 .bf-opt:hover{border-color:var(--silver-mute)}
.bf-v15 .bf-opt.on{border-color:var(--accent);background:var(--paper-2);color:var(--ink)}
.bf-v15 .bf-opt input{width:18px;height:18px;accent-color:var(--accent);flex:none}
.bf-v15 .bf-opt .price{color:var(--accent);font-weight:600}
.bf-v15 .bf-opt--wide{grid-column:span 2}
.bf-v15 .bf-opt--gold{border-color:var(--line-bronze);background:rgba(176,135,90,.06);color:#6A5C49}
.bf-v15 .bf-opt--gold.on{border-color:var(--bronze);background:rgba(176,135,90,.16);color:#6A5C49}
.bf-v15 .bf-opt--gold input{accent-color:var(--bronze)}
/* summary (accent card) */
.bf-v15 .quote-sum{background:var(--accent);color:#fff;padding:28px;position:sticky;top:96px}
.bf-v15 .quote-sum .lbl{font-size:12px;color:rgba(255,255,255,.85);text-transform:uppercase;letter-spacing:.08em;margin-bottom:8px;text-align:center}
.bf-v15 .quote-sum .total{font-family:'Inter',sans-serif;font-size:46px;font-weight:800;color:#fff;text-align:center;line-height:1}
.bf-v15 .quote-sum .vat{font-size:13px;color:rgba(255,255,255,.85);text-align:center;margin-top:4px}
.bf-v15 .quote-sum .bd{background:rgba(255,255,255,.15);padding:16px;margin:22px 0}
.bf-v15 .quote-sum .bd .hd{font-size:11px;color:rgba(255,255,255,.85);font-weight:600;margin-bottom:10px;letter-spacing:.06em}
.bf-v15 .quote-sum #quote-breakdown{font-size:12px;line-height:1.85}
.bf-v15 .quote-sum .bd .tot{border-top:1px solid rgba(255,255,255,.3);margin-top:12px;padding-top:12px;display:flex;justify-content:space-between;font-weight:700}
.bf-v15 .quote-sum .info{font-size:11px;color:rgba(255,255,255,.8);text-align:center;margin-bottom:16px}
.bf-v15 .quote-sum .btn{width:100%;background:var(--ground);color:#fff;justify-content:center}
.bf-v15 .quote-sum .btn:hover{background:var(--header)}
.bf-v15 .quote-sum .alt{display:block;text-align:center;margin-top:12px;font-size:12px;color:rgba(255,255,255,.85);text-decoration:underline}
.bf-v15 .quote-annual{background:#fff;border:1px solid var(--line);padding:18px;margin-top:16px}
.bf-v15 .quote-annual .h{display:flex;align-items:center;gap:9px;color:var(--accent-deep);font-family:'Inter',sans-serif;font-size:12px;font-weight:600;margin-bottom:6px}
.bf-v15 .quote-annual p{font-size:11px;color:var(--ink-soft);margin:0}
.bf-v15 .quote-annual .amt{font-family:'Inter',sans-serif;font-size:15px;font-weight:700;color:var(--accent-deep);margin-top:8px}

/* all plans include */
.bf-v15 .incl-row{display:flex;justify-content:center;flex-wrap:wrap;gap:42px}
.bf-v15 .incl{text-align:center}
.bf-v15 .incl > i{font-size:30px;color:var(--accent)}
.bf-v15 .incl div{font-family:'Inter',sans-serif;font-weight:600;font-size:13px;color:var(--ink);margin-top:8px}

/* FAQ accordion */
.bf-v15 .faq-list{max-width:760px;margin:0 auto}
.bf-v15 .faq-item{border:1px solid var(--line);margin-bottom:8px;background:#fff}
.bf-v15 .faq-item button{width:100%;padding:16px 20px;background:#fff;border:none;display:flex;justify-content:space-between;align-items:center;cursor:pointer;font-family:'Inter',sans-serif;font-size:14px;font-weight:600;color:var(--ink);text-align:left;gap:14px}
.bf-v15 .faq-item button .ti{color:var(--silver-mute);transition:transform .3s;flex:none}
.bf-v15 .faq-answer{display:none;padding:0 20px 18px;font-size:14px;color:var(--ink-soft);line-height:1.7}


/* =====================================================================
   BLOG page (V15) — listing cards + light article views
   ===================================================================== */

/* live-news eyebrow badge */
.bf-v15 .bf-live{display:inline-flex;align-items:center;gap:6px;background:#B65C4D;color:#fff;padding:3px 9px;border-radius:2px;font-size:10px;font-weight:700;letter-spacing:.1em;margin-right:4px}
.bf-v15 .bf-live-dot{width:7px;height:7px;background:#fff;border-radius:50%;animation:bf-pulse 1.5s infinite}
@keyframes bf-pulse{0%,100%{opacity:1}50%{opacity:.3}}

/* live-news source cards */
.bf-v15 .bf-news-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
@media (max-width:980px){.bf-v15 .bf-news-grid{grid-template-columns:repeat(2,1fr)}}
@media (max-width:520px){.bf-v15 .bf-news-grid{grid-template-columns:1fr}}
.bf-v15 .bf-news-card{display:block;background:#fff;border:1px solid var(--line);padding:22px;text-decoration:none;transition:.3s var(--ease)}
.bf-v15 .bf-news-card:hover{border-color:var(--accent);box-shadow:0 14px 34px -24px rgba(17,32,47,.4)}
.bf-v15 .bf-news-head{display:flex;align-items:center;gap:10px;margin-bottom:12px}
.bf-v15 .bf-news-ic{width:38px;height:38px;border-radius:2px;display:flex;align-items:center;justify-content:center;color:#fff;font-size:18px;flex:none}
.bf-v15 .bf-news-name{font-family:'Inter',sans-serif;font-weight:700;color:var(--ink)}
.bf-v15 .bf-news-card p{color:var(--ink-soft);font-size:13.5px;line-height:1.6;margin:0}
.bf-v15 .bf-news-link{display:inline-block;margin-top:10px;color:var(--accent);font-family:'Inter',sans-serif;font-size:12px;font-weight:600}

/* shared card tag / dot / avatar / CTA */
.bf-v15 .bf-tag{display:inline-block;padding:4px 10px;border-radius:2px;font-family:'Inter',sans-serif;font-size:11px;font-weight:600;letter-spacing:.02em}
.bf-v15 .bf-tag--accent{background:var(--accent);color:#fff;letter-spacing:.1em;text-transform:uppercase}
.bf-v15 .bf-dot{color:var(--silver-mute);font-size:11px}
.bf-v15 .bf-avatar{width:34px;height:34px;border-radius:50%;background:var(--accent);color:#fff;display:inline-flex;align-items:center;justify-content:center;font-family:'Inter',sans-serif;font-size:12px;font-weight:600;flex:none}
.bf-v15 .bf-card-cta{margin-top:16px;color:var(--accent);font-family:'Inter',sans-serif;font-size:13px;font-weight:600;letter-spacing:.02em}

/* featured article card */
.bf-v15 .bf-feat-card{display:grid;grid-template-columns:1.2fr .8fr;background:#fff;border:1px solid var(--line);margin-bottom:40px;cursor:pointer;transition:.3s var(--ease)}
.bf-v15 .bf-feat-card:hover{border-color:var(--accent);box-shadow:0 22px 50px -30px rgba(17,32,47,.45)}
.bf-v15 .bf-feat-main{padding:clamp(28px,3vw,44px);display:flex;flex-direction:column;justify-content:center;border-right:1px solid var(--line)}
.bf-v15 .bf-feat-main h3{font-family:'Inter',sans-serif;font-size:clamp(22px,2.2vw,28px);font-weight:800;letter-spacing:-.02em;color:var(--ink);line-height:1.2;margin:16px 0}
.bf-v15 .bf-feat-main > p{color:var(--ink-soft);font-size:15px;line-height:1.7;margin-bottom:22px}
.bf-v15 .bf-feat-meta{display:flex;align-items:center;gap:10px;flex-wrap:wrap;color:var(--ink-soft);font-size:13px}
.bf-v15 .bf-feat-author{font-family:'Inter',sans-serif;font-weight:600;color:var(--ink)}
.bf-v15 .bf-feat-aside{padding:clamp(28px,3vw,44px);display:flex;flex-direction:column;justify-content:center;background:var(--paper-3)}
.bf-v15 .bf-feat-cat{color:var(--accent);font-family:'Inter',sans-serif;font-weight:600;font-size:14px;margin-bottom:16px;display:flex;align-items:center;gap:8px}
.bf-v15 .bf-feat-aside h4{font-family:'Inter',sans-serif;font-size:16px;font-weight:700;color:var(--ink);margin-bottom:14px}
.bf-v15 .bf-feat-list{list-style:none;margin:0;padding:0}
.bf-v15 .bf-feat-list li{display:flex;align-items:flex-start;gap:9px;color:var(--ink-soft);font-size:14px;line-height:1.6;padding:5px 0}
.bf-v15 .bf-feat-list li i{color:#4C8F6A;font-size:16px;margin-top:2px;flex:none}
@media (max-width:860px){.bf-v15 .bf-feat-card{grid-template-columns:1fr}.bf-v15 .bf-feat-main{border-right:none;border-bottom:1px solid var(--line)}}

/* article grid cards */
.bf-v15 .bf-art-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
@media (max-width:980px){.bf-v15 .bf-art-grid{grid-template-columns:repeat(2,1fr)}}
@media (max-width:620px){.bf-v15 .bf-art-grid{grid-template-columns:1fr}}
.bf-v15 .bf-art-card{background:#fff;border:1px solid var(--line);overflow:hidden;cursor:pointer;transition:.3s var(--ease)}
.bf-v15 .bf-art-card:hover{border-color:var(--accent);transform:translateY(-4px);box-shadow:0 18px 40px -26px rgba(17,32,47,.45)}
.bf-v15 .bf-art-thumb{height:170px;display:flex;align-items:center;justify-content:center}
.bf-v15 .bf-art-thumb i{font-size:60px;color:rgba(255,255,255,.32)}
.bf-v15 .bf-art-body{padding:24px}
.bf-v15 .bf-art-meta{display:flex;align-items:center;gap:10px;margin-bottom:12px}
.bf-v15 .bf-art-time{color:var(--silver-mute);font-size:11px}
.bf-v15 .bf-art-body h3{font-family:'Inter',sans-serif;font-size:18px;font-weight:700;letter-spacing:-.01em;color:var(--ink);line-height:1.4;margin-bottom:10px}
.bf-v15 .bf-art-body > p{color:var(--ink-soft);font-size:14px;line-height:1.6}

/* wide article card */
.bf-v15 .bf-art-wide{display:grid;grid-template-columns:300px 1fr;background:#fff;border:1px solid var(--line);overflow:hidden;margin-top:24px;cursor:pointer;transition:.3s var(--ease)}
.bf-v15 .bf-art-wide:hover{border-color:var(--accent);box-shadow:0 18px 40px -26px rgba(17,32,47,.45)}
.bf-v15 .bf-art-wide-thumb{display:flex;align-items:center;justify-content:center;min-height:200px}
.bf-v15 .bf-art-wide-thumb i{font-size:76px;color:rgba(255,255,255,.32)}
.bf-v15 .bf-art-wide-body{padding:32px}
.bf-v15 .bf-art-wide-body h3{font-family:'Inter',sans-serif;font-size:22px;font-weight:700;letter-spacing:-.01em;color:var(--ink);line-height:1.35;margin-bottom:12px}
.bf-v15 .bf-art-wide-body > p{color:var(--ink-soft);font-size:14.5px;line-height:1.7}
@media (max-width:680px){.bf-v15 .bf-art-wide{grid-template-columns:1fr}.bf-v15 .bf-art-wide-thumb{min-height:150px}}

/* newsletter block (light) */
.bf-v15 .bf-newsletter{max-width:600px;margin:0 auto;text-align:center}
.bf-v15 .bf-newsletter-ic{width:64px;height:64px;border-radius:50%;background:var(--paper-2);color:var(--accent);display:inline-flex;align-items:center;justify-content:center;font-size:30px;margin-bottom:16px}
.bf-v15 .bf-newsletter h2{font-family:'Inter',sans-serif;font-size:clamp(24px,2.6vw,30px);font-weight:800;letter-spacing:-.02em;color:var(--ink);margin-bottom:12px}
.bf-v15 .bf-newsletter > p{color:var(--ink-soft);font-size:16px;line-height:1.6;margin-bottom:24px}
.bf-v15 .bf-newsletter-form{display:flex;gap:12px;max-width:460px;margin:0 auto}
.bf-v15 .bf-newsletter-form .bf-input{flex:1}
.bf-v15 .bf-newsletter-form .btn{white-space:nowrap}
.bf-v15 .bf-newsletter-note{color:var(--silver-mute);font-size:11px;margin-top:12px}
@media (max-width:480px){.bf-v15 .bf-newsletter-form{flex-direction:column}}

/* ---- ARTICLE VIEW (light) ---- */
.bf-v15 .bf-art-head{padding-top:clamp(40px,5vw,64px);padding-bottom:clamp(40px,5vw,64px)}
.bf-v15 .bf-art-head .wrap{max-width:820px}
.bf-v15 .bf-art-head h1{font-family:'Inter',sans-serif;font-size:clamp(28px,3.6vw,40px);font-weight:800;letter-spacing:-.025em;color:var(--ink);line-height:1.2;margin:6px 0 0}
.bf-v15 .bf-back{display:inline-flex;align-items:center;gap:7px;background:none;border:none;padding:0;margin-bottom:22px;cursor:pointer;color:var(--accent);font-family:'Inter',sans-serif;font-size:13px;font-weight:600;letter-spacing:.04em;text-transform:uppercase}
.bf-v15 .bf-back:hover{color:var(--accent-deep)}
.bf-v15 .bf-art-byline{display:flex;align-items:center;gap:14px;margin-top:24px}
.bf-v15 .bf-art-byline .bf-avatar{width:48px;height:48px;font-size:15px}
.bf-v15 .bf-byline-name{font-family:'Inter',sans-serif;font-weight:600;color:var(--ink)}
.bf-v15 .bf-byline-meta{color:var(--ink-soft);font-size:13px;margin-top:2px}

/* article body (extends .bf-prose) */
.bf-v15 .bf-article-body{max-width:820px;margin:0 auto}
.bf-v15 .bf-article-body .bf-lead{font-size:19px;line-height:1.8;color:var(--ink);margin-bottom:28px}
.bf-v15 .bf-article-body h2{font-family:'Inter',sans-serif;font-size:24px;font-weight:800;letter-spacing:-.02em;color:var(--ink);margin:36px 0 14px}
.bf-v15 .bf-article-body h3{font-family:'Inter',sans-serif;font-size:19px;font-weight:700;color:var(--ink);margin:26px 0 12px}
.bf-v15 .bf-article-body ul{list-style:none;margin:0 0 22px;padding:0}
.bf-v15 .bf-article-body ul li{position:relative;padding:6px 0 6px 22px;color:var(--ink-soft);font-size:16px;line-height:1.7}
.bf-v15 .bf-article-body ul li::before{content:"";position:absolute;left:2px;top:14px;width:6px;height:6px;border-radius:50%;background:var(--accent)}
.bf-v15 .bf-article-body strong{color:var(--ink);font-weight:600}
.bf-v15 .bf-article-body a{color:var(--accent);font-weight:600;text-decoration:underline}

/* callout */
.bf-v15 .bf-callout{background:var(--paper-3);border-left:3px solid var(--accent);padding:22px 26px;margin:28px 0}
.bf-v15 .bf-callout .bf-callout-label{font-family:'Inter',sans-serif;font-weight:700;font-size:13px;letter-spacing:.04em;text-transform:uppercase;color:var(--accent);margin-bottom:8px}
.bf-v15 .bf-callout p{color:var(--ink-soft);font-size:15px;line-height:1.7;margin:0}

/* xero/sage compare */
.bf-v15 .bf-compare{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin:24px 0}
@media (max-width:620px){.bf-v15 .bf-compare{grid-template-columns:1fr}}
.bf-v15 .bf-compare-col{background:var(--paper-3);border:1px solid var(--line);padding:24px}
.bf-v15 .bf-compare-name{font-family:'Inter',sans-serif;font-weight:800;font-size:24px;margin-bottom:14px;text-transform:lowercase}
.bf-v15 .bf-compare-col p{color:var(--ink-soft);font-size:14px;line-height:1.6;margin-bottom:8px}
.bf-v15 .bf-compare-col ul{margin:0;padding:0}
.bf-v15 .bf-compare-col li{padding-left:18px;font-size:14px}
.bf-v15 .bf-compare-col li::before{top:13px;width:5px;height:5px}

/* tables */
.bf-v15 .bf-table-wrap{overflow-x:auto;margin:0 0 24px}
.bf-v15 .bf-table{width:100%;border-collapse:collapse;font-size:14.5px}
.bf-v15 .bf-table th{background:var(--paper-2);font-family:'Inter',sans-serif;font-weight:700;color:var(--ink);padding:12px;border:1px solid var(--line)}
.bf-v15 .bf-table td{padding:12px;border:1px solid var(--line);color:var(--ink-soft)}
.bf-v15 .bf-table .bf-table-total td{background:var(--paper-2);font-weight:700;color:var(--ink)}

/* checklist */
.bf-v15 .bf-checklist{display:grid;gap:10px;background:var(--paper-3);border:1px solid var(--line);padding:24px;margin:0 0 28px}
.bf-v15 .bf-checklist label{display:flex;align-items:center;gap:12px;color:var(--ink-soft);font-size:15px;cursor:pointer}
.bf-v15 .bf-checklist input{width:19px;height:19px;accent-color:var(--accent);flex:none}

/* warning rows */
.bf-v15 .bf-warn-list{display:grid;gap:14px;margin:0 0 28px}
.bf-v15 .bf-warn{display:flex;align-items:flex-start;gap:12px;background:var(--paper-3);border:1px solid var(--line);border-left:3px solid #B65C4D;padding:16px 18px}
.bf-v15 .bf-warn i{color:#B65C4D;font-size:22px;flex:none}
.bf-v15 .bf-warn div{color:var(--ink-soft);font-size:15px;line-height:1.6}

/* numbered findings */
.bf-v15 .bf-num-list{display:grid;gap:14px;margin:0 0 28px}
.bf-v15 .bf-num-item{display:flex;align-items:flex-start;gap:14px;background:var(--paper-3);border:1px solid var(--line);padding:16px 18px}
.bf-v15 .bf-num-badge{width:26px;height:26px;border-radius:50%;background:var(--accent);color:#fff;display:flex;align-items:center;justify-content:center;font-family:'Inter',sans-serif;font-size:13px;font-weight:700;flex:none}
.bf-v15 .bf-num-item div{color:var(--ink-soft);font-size:15px;line-height:1.6}

/* formula block */
.bf-v15 .bf-formula{background:var(--paper-3);border:1px solid var(--line);padding:24px;margin:0 0 24px;text-align:center}
.bf-v15 .bf-formula-eq{font-family:'Inter',sans-serif;font-size:22px;font-weight:700;color:var(--accent);letter-spacing:-.01em}
.bf-v15 .bf-formula-note{color:var(--ink-soft);font-size:14px;margin-top:8px}

/* stat / result cards */
.bf-v15 .bf-stat-cards{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin:0 0 24px}
@media (max-width:520px){.bf-v15 .bf-stat-cards{grid-template-columns:1fr}}
.bf-v15 .bf-stat-card{background:var(--paper-3);border:1px solid var(--line);padding:24px;text-align:center}
.bf-v15 .bf-stat-num{font-family:'Inter',sans-serif;font-size:30px;font-weight:800;letter-spacing:-.02em}
.bf-v15 .bf-stat-card > div:last-child{color:var(--ink-soft);font-size:14px;margin-top:8px}
.bf-v15 .bf-result{background:var(--paper-3);border:1px solid var(--line);padding:26px;text-align:center;margin:0 0 24px}
.bf-v15 .bf-result-num{font-family:'Inter',sans-serif;font-size:46px;font-weight:800;letter-spacing:-.02em;margin-bottom:6px}
.bf-v15 .bf-result > div:last-child{color:var(--ink-soft);font-size:15px}

/* inline article CTA (light, replaces the old dark inline panels) */
.bf-v15 .bf-art-inlinecta{background:var(--paper-2);border:1px solid var(--line);border-top:3px solid var(--accent);padding:32px;text-align:center;margin-top:44px}
.bf-v15 .bf-art-inlinecta h3{font-family:'Inter',sans-serif;font-size:20px;font-weight:700;color:var(--ink);margin-bottom:10px}
.bf-v15 .bf-art-inlinecta p{color:var(--ink-soft);font-size:15px;margin-bottom:20px}


/* =====================================================================
   RESOURCES page (V15) — knowledge-hub tools
   Tab nav + filter pills (.on active state), SARS calendar, trust tool
   (dark result panel kept), expat guide. All driven by tokens.
   ===================================================================== */

/* ---- tab nav (pill row, light) ---- */
.bf-v15 .res-tabs{display:flex;gap:10px;flex-wrap:wrap;margin-bottom:44px}
.bf-v15 .resource-nav-btn{font-family:'Inter',sans-serif;font-size:13px;font-weight:600;letter-spacing:.02em;padding:11px 20px;border:1px solid var(--line);background:#fff;color:var(--ink-soft);border-radius:2px;cursor:pointer;display:inline-flex;align-items:center;gap:8px;transition:.25s var(--ease)}
.bf-v15 .resource-nav-btn i{font-size:16px}
.bf-v15 .resource-nav-btn:hover{border-color:var(--accent);color:var(--ink)}
.bf-v15 .resource-nav-btn.on{background:var(--accent);border-color:var(--accent);color:#fff}

/* ---- per-tool head (icon + title) ---- */
.bf-v15 .res-head{display:flex;align-items:center;gap:14px;margin-bottom:26px}
.bf-v15 .res-ic{width:48px;height:48px;flex:none;display:flex;align-items:center;justify-content:center;border-radius:2px;font-size:24px}
.bf-v15 .res-ic--blue{background:var(--paper-2);color:var(--accent)}
.bf-v15 .res-ic--gold{background:var(--gold-bg);color:var(--bronze)}
.bf-v15 .res-head h3{font-family:'Inter',sans-serif;font-size:22px;font-weight:700;letter-spacing:-.01em;color:var(--ink)}
.bf-v15 .res-head p{color:var(--ink-soft);font-size:14px;margin-top:3px}

/* ---- filter pills (FAQ category + calendar entity) ---- */
.bf-v15 .res-pills{display:flex;gap:8px;flex-wrap:wrap;margin-bottom:26px}
.bf-v15 .faq-cat-btn,
.bf-v15 .cal-filter-btn{font-family:'Inter',sans-serif;font-size:12px;font-weight:600;padding:8px 16px;border:1px solid var(--line);background:#fff;color:var(--ink-soft);border-radius:999px;cursor:pointer;transition:.2s var(--ease)}
.bf-v15 .faq-cat-btn:hover,
.bf-v15 .cal-filter-btn:hover{border-color:var(--accent);color:var(--ink)}
.bf-v15 .faq-cat-btn.on,
.bf-v15 .cal-filter-btn.on{background:var(--accent);border-color:var(--accent);color:#fff}

/* ---- FAQ accordion: reuse .faq-list/.faq-item/.faq-answer; keep open icon flip ---- */
.bf-v15 #resource-faq .faq-list{max-width:none}
.bf-v15 .faq-item .faq-answer a{color:var(--accent);text-decoration:underline}

/* ---- SARS calendar grid ---- */
.bf-v15 .cal-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}
@media (max-width:980px){.bf-v15 .cal-grid{grid-template-columns:repeat(2,1fr)}}
@media (max-width:560px){.bf-v15 .cal-grid{grid-template-columns:1fr}}
.bf-v15 .cal-month{background:#fff;border:1px solid var(--line);border-radius:2px;padding:20px}
.bf-v15 .cal-month--key{border-left:3px solid var(--bronze)}
.bf-v15 .cal-mon{font-family:'Inter',sans-serif;font-weight:700;font-size:16px;color:var(--ink);margin-bottom:12px;display:flex;align-items:center;gap:8px;flex-wrap:wrap}
.bf-v15 .cal-keytag{font-size:10px;background:var(--gold-bg);color:var(--bronze);padding:2px 8px;border-radius:2px;font-weight:600;letter-spacing:.04em}
.bf-v15 .cal-body{font-size:12px;color:var(--ink-soft);line-height:1.7}
.bf-v15 .cal-line{display:flex;gap:6px;align-items:flex-start;margin-top:6px}
.bf-v15 .cal-line:first-child{margin-top:0}
.bf-v15 .cal-tag{padding:1px 6px;border-radius:2px;font-size:10px;font-weight:700;letter-spacing:.04em;white-space:nowrap;flex:none}
.bf-v15 .cal-tag--emp{background:var(--paper-2);color:var(--accent-deep)}
.bf-v15 .cal-tag--vat{background:#E2EDE6;color:#2F6B45}
.bf-v15 .cal-tag--ind{background:var(--gold-bg);color:var(--bronze)}
.bf-v15 .cal-tag--co{background:var(--paper-2);color:var(--accent-deep)}
.bf-v15 .cal-tag--tax{background:#F3EEE7;color:#61492B}
.bf-v15 .cal-note{margin-top:18px;background:var(--paper-3);border:1px solid var(--line);border-left:3px solid var(--accent);padding:16px 20px}
.bf-v15 .cal-note p{font-size:12.5px;color:var(--ink-soft);line-height:1.7}
.bf-v15 .cal-note strong{color:var(--ink)}
.bf-v15 .cal-note i{color:var(--accent);margin-right:4px}

/* ---- TRUST decision tool ---- */
.bf-v15 .trust-step{margin-bottom:26px}
.bf-v15 .trust-steplbl{font-family:'Inter',sans-serif;font-size:13px;font-weight:600;color:var(--ink);margin-bottom:14px}
.bf-v15 .trust-steplbl i{color:var(--accent);margin-right:7px}
.bf-v15 .trust-obj{border:1px solid var(--line);border-radius:2px;margin-bottom:8px;background:#fff;overflow:hidden}
.bf-v15 .trust-obj > button{width:100%;padding:15px 20px;background:#fff;border:none;display:flex;justify-content:space-between;align-items:center;cursor:pointer;text-align:left;gap:14px}
.bf-v15 .trust-obj > button .ti-chevron-down{color:var(--silver-mute);transition:transform .3s;flex:none}
.bf-v15 .trust-objlbl{display:flex;align-items:center;gap:10px;cursor:pointer;font-family:'Inter',sans-serif;font-size:14px;font-weight:600;color:var(--ink)}
.bf-v15 .trust-objlbl input{width:18px;height:18px;accent-color:var(--accent);flex:none}
.bf-v15 .trust-obj-detail{display:none;padding:0 20px 16px;font-size:13px;color:var(--ink-soft);line-height:1.7;border-top:1px solid var(--line)}
.bf-v15 .trust-objbody{padding-top:12px}
.bf-v15 .trust-objbody strong,
.bf-v15 .trust-callout strong{color:var(--ink);font-weight:600}
.bf-v15 .trust-callout{margin-top:8px;padding:9px 12px;background:var(--paper-3);border-radius:2px;font-size:12px;color:var(--ink-soft)}
.bf-v15 .trust-callout--warn{background:var(--gold-bg);color:#6A5C49}
.bf-v15 .trust-callout--warn strong{color:#6A5C49}
.bf-v15 .trust-inputs{background:var(--paper-3);border:1px solid var(--line);border-radius:2px;padding:24px;display:grid;grid-template-columns:1fr 1fr;gap:16px}
@media (max-width:560px){.bf-v15 .trust-inputs{grid-template-columns:1fr}}
.bf-v15 .trust-field label{display:block;font-family:'Inter',sans-serif;font-size:12px;font-weight:600;color:var(--ink);margin-bottom:6px}

/* trust RESULT container stays DARK — calcTrustScore writes dark inline HTML */
.bf-v15 .trust-result{background:var(--ground);border-radius:2px;padding:28px;color:#fff}
.bf-v15 .trust-result-empty{text-align:center;padding:20px 0}
.bf-v15 .trust-result-empty i{font-size:48px;color:#2A3744}
.bf-v15 .trust-result-empty p{color:var(--silver-mute);margin-top:12px}
.bf-v15 .trust-result .btn-primary{background:var(--accent);color:#fff;border:none;padding:13px 26px;border-radius:2px;font-family:'Inter',sans-serif;font-weight:600;letter-spacing:.04em;cursor:pointer;text-transform:uppercase}
.bf-v15 .trust-result .btn-primary:hover{background:var(--accent-soft)}

/* shared warn callout (trust + section disclaimers) */
.bf-v15 .res-warn{margin-top:16px;padding:16px 20px;background:var(--gold-bg);border-radius:2px;border-left:3px solid var(--bronze)}
.bf-v15 .res-warn p{font-size:12.5px;color:#6A5C49;line-height:1.7}
.bf-v15 .res-warn i{margin-right:4px}
.bf-v15 .res-warn a{color:var(--bronze);font-weight:600}

/* ---- EXPAT guide ---- */
.bf-v15 .expat-card{background:#fff;border:1px solid var(--line);border-radius:2px;padding:32px;margin-bottom:24px}
.bf-v15 .expat-card--tool{border-color:var(--accent);border-top:3px solid var(--accent)}
.bf-v15 .expat-card > h3{font-family:'Inter',sans-serif;font-size:18px;font-weight:700;color:var(--ink);margin-bottom:14px;display:flex;align-items:center;gap:8px}
.bf-v15 .expat-card > h3 i{color:var(--accent)}
.bf-v15 .expat-lead{color:var(--ink-soft);font-size:14px;line-height:1.7;margin-bottom:20px}
.bf-v15 .expat-lead strong{color:var(--ink)}
.bf-v15 .expat-tests{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin-bottom:24px}
@media (max-width:680px){.bf-v15 .expat-tests{grid-template-columns:1fr}}
.bf-v15 .expat-test{background:var(--paper-3);border:1px solid var(--line);border-radius:2px;padding:24px}
.bf-v15 .expat-testhd{display:flex;align-items:center;gap:8px;margin-bottom:12px}
.bf-v15 .expat-num{background:var(--accent);color:#fff;width:28px;height:28px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-family:'Inter',sans-serif;font-size:13px;font-weight:700;flex:none}
.bf-v15 .expat-testname{font-family:'Inter',sans-serif;font-weight:700;font-size:15px;color:var(--ink)}
.bf-v15 .expat-test p{font-size:13px;color:var(--ink-soft);line-height:1.7;margin-bottom:12px}
.bf-v15 .expat-test p:last-child{margin-bottom:0}
.bf-v15 .expat-test strong{color:var(--ink)}
.bf-v15 .expat-list{font-size:13px;color:var(--ink-soft);line-height:2;padding-left:20px;margin:0 0 8px}
.bf-v15 .expat-list strong{color:var(--ink)}
.bf-v15 .expat-fine{font-size:12px;color:var(--silver-mute);margin-top:8px}
.bf-v15 .expat-fine a{color:var(--accent);text-decoration:underline}

/* exemption panel — was dark in V14, now light taupe punctuation */
.bf-v15 .expat-panel{background:var(--taupe);border:1px solid var(--line);border-radius:2px;padding:24px;margin-bottom:20px}
.bf-v15 .expat-panel h4{font-family:'Inter',sans-serif;font-size:16px;font-weight:700;color:var(--ink);margin-bottom:12px;display:flex;align-items:center;gap:8px}
.bf-v15 .expat-panel h4 i{color:var(--accent)}
.bf-v15 .expat-panel > p{font-size:13px;color:var(--ink-soft);line-height:1.7;margin-bottom:12px}
.bf-v15 .expat-panel strong{color:var(--ink)}
.bf-v15 .expat-rules{display:grid;grid-template-columns:1fr 1fr;gap:12px}
@media (max-width:560px){.bf-v15 .expat-rules{grid-template-columns:1fr}}
.bf-v15 .expat-rule{background:#fff;border:1px solid var(--line);border-radius:2px;padding:14px}
.bf-v15 .expat-rule-h{font-family:'Inter',sans-serif;font-weight:600;font-size:13px;color:var(--ink);margin-bottom:4px}
.bf-v15 .expat-rule-b{font-size:12px;color:var(--ink-soft);line-height:1.6}

/* coloured note blocks (warn / ok) */
.bf-v15 .expat-note{border-radius:2px;padding:24px;margin-top:20px;border:1px solid var(--line)}
.bf-v15 .expat-note h4{font-family:'Inter',sans-serif;font-size:16px;font-weight:700;margin-bottom:12px;display:flex;align-items:center;gap:8px}
.bf-v15 .expat-note p{font-size:13px;line-height:1.7;margin-bottom:12px}
.bf-v15 .expat-note p:last-child{margin-bottom:0}
.bf-v15 .expat-note ul{font-size:13px;line-height:2;padding-left:20px;margin:0 0 12px}
.bf-v15 .expat-note--warn{background:#F7ECEA;border-color:#EBD3CF}
.bf-v15 .expat-note--warn h4{color:#8A3328}
.bf-v15 .expat-note--warn p,.bf-v15 .expat-note--warn li{color:#6E2A21}
.bf-v15 .expat-note--warn strong{color:#8A3328}
.bf-v15 .expat-note--ok{background:#EDF4EF;border-color:#C9DCCF}
.bf-v15 .expat-note--ok h4,.bf-v15 .expat-note--ok p,.bf-v15 .expat-note--ok li{color:#2F6B45}

/* tool inputs */
.bf-v15 .expat-inputs{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-bottom:20px}
@media (max-width:560px){.bf-v15 .expat-inputs{grid-template-columns:1fr}}
.bf-v15 .expat-field label{display:block;font-family:'Inter',sans-serif;font-size:12px;font-weight:600;color:var(--ink);margin-bottom:6px}
.bf-v15 .expat-field .expat-daylbl{color:var(--ink-soft);font-weight:500;font-size:11px}
.bf-v15 .expat-radioblk{margin-bottom:20px}
.bf-v15 .expat-qlbl{display:block;font-family:'Inter',sans-serif;font-size:12px;font-weight:600;color:var(--ink);margin-bottom:10px}
.bf-v15 .expat-qlbl--days{margin-bottom:12px}
.bf-v15 .expat-radios{display:flex;gap:16px;flex-wrap:wrap}
.bf-v15 .expat-radio{display:flex;align-items:center;gap:6px;cursor:pointer;font-size:13px;color:var(--ink-soft)}
.bf-v15 .expat-radio input{accent-color:var(--accent)}
.bf-v15 .expat-days{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-bottom:18px}
@media (max-width:560px){.bf-v15 .expat-days{grid-template-columns:1fr 1fr}}

/* expat RESULT container stays LIGHT — checkExpatStatus writes light HTML */
.bf-v15 .expat-result{background:var(--paper-3);border:1px solid var(--line);border-radius:2px;padding:20px}
.bf-v15 .expat-result-empty{text-align:center;color:var(--silver-mute);font-size:13px}
.bf-v15 .expat-result .btn-primary{background:var(--accent);color:#fff;border:none;padding:11px 22px;border-radius:2px;font-family:'Inter',sans-serif;font-weight:600;letter-spacing:.04em;cursor:pointer;text-transform:uppercase}
.bf-v15 .expat-result .btn-primary:hover{background:var(--accent-soft)}

/* =====================================================================
   GLOBAL FOOTER (V15) — NOT body-scoped: footer.php is global chrome, so the
   dark v15 footer applies on every page (v15.css is enqueued site-wide).
   ===================================================================== */
.bf-foot{background:var(--header);color:var(--silver);padding-top:64px;font-family:'Roboto',sans-serif}
.bf-foot__inner{max-width:var(--maxw);margin:0 auto;padding:0 var(--pad)}
/* regulatory badges */
.bf-foot__badges{display:flex;flex-wrap:wrap;gap:12px;padding-bottom:36px;border-bottom:1px solid var(--line-d)}
.bf-foot__badges span{display:inline-flex;align-items:center;gap:8px;border:1px solid var(--line-d);padding:8px 14px;font-family:'Inter',sans-serif;font-size:12px;font-weight:500;letter-spacing:.03em;color:var(--silver)}
.bf-foot__badges i{color:var(--bronze-soft);font-size:15px}
/* grid */
.bf-foot__grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr 1fr;gap:40px;padding:48px 0}
.bf-foot__brand p{color:var(--silver-mute);font-size:14px;line-height:1.7;margin-top:18px;max-width:300px}
.bf-foot .bf-wordmark{display:block;font-family:'Inter',sans-serif;line-height:1}
.bf-foot .bf-wordmark__name{display:block;font-family:'Inter',sans-serif;font-weight:800;font-size:20px;letter-spacing:-.01em;color:#fff;text-transform:none}
.bf-foot .bf-wordmark__amp{color:#fff}
.bf-foot .bf-wordmark__brand{color:var(--accent-soft)}
.bf-foot .bf-wordmark__descriptor{display:block;font-weight:500;color:var(--silver-mute);font-size:10px;letter-spacing:.22em;text-transform:uppercase;margin-top:6px}
.bf-foot__col h5{font-family:'Inter',sans-serif;font-size:12px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:#fff;margin-bottom:18px}
.bf-foot__col ul{list-style:none;margin:0;padding:0}
.bf-foot__col a{display:block;color:var(--silver);font-size:14px;margin-bottom:11px;text-decoration:none;transition:color .2s}
.bf-foot__col a:hover{color:var(--accent-soft)}
.bf-foot__private{color:var(--bronze-soft)}
.bf-foot__private:hover{color:var(--bronze)}
/* disclosure + bottom bar */
.bf-foot__disclosure{color:var(--silver-mute);font-size:12px;line-height:1.7;padding-bottom:18px;max-width:760px}
/* legal identity + policy links — mirrors the bottom-bar tokens (12.5px, silver-mute);
   the bottom bar's own border-top below separates it, so no border here. */
.bf-foot__legal{display:flex;justify-content:space-between;flex-wrap:wrap;gap:12px;padding:4px 0 16px;font-size:12.5px;color:var(--silver-mute)}
.bf-foot__legal a{color:var(--silver-mute);text-decoration:none}
.bf-foot__legal a:hover{color:var(--accent-soft)}
.bf-foot__policies a+a{margin-left:18px}
.bf-foot__bottom{display:flex;justify-content:space-between;flex-wrap:wrap;gap:12px;padding:22px 0;border-top:1px solid var(--line-d);font-size:12.5px;color:var(--silver-mute)}
.bf-foot__bottom a{color:var(--silver-mute);text-decoration:none}
.bf-foot__bottom a:hover{color:var(--accent-soft)}
@media (max-width:900px){.bf-foot__grid{grid-template-columns:1fr 1fr;gap:32px}}
@media (max-width:560px){.bf-foot__grid{grid-template-columns:1fr;gap:28px}.bf-foot__legal{flex-direction:column;gap:6px}.bf-foot__bottom{flex-direction:column}}

/* =====================================================================
   HOMEPAGE — the "Think several moves ahead." statement band is WHITE so it
   separates from the near-identical greys either side (#EFF2F5 above,
   #EAEEF3 below). White is a bigger step than a tint and stays neutral.
   Needs !important to beat style.css:436.
   ===================================================================== */
.bf-v15 .bf-statement{background:#fff !important;
  border-top-color:var(--line) !important;
  border-bottom-color:var(--line) !important}

/* =====================================================================
   TOOLS — align the bf-calculators plugin UI with v15.
   The plugin's ported markup carries INLINE border-radius/border values, so
   those overrides need !important; the class-based tab strip does not.
   PURELY cosmetic: no ids, data-* attributes or inline handlers are touched,
   so all 13 calculators keep working unchanged.
   ===================================================================== */
/* square off the inline rounded corners — v15 is sharp, not pill-shaped */
.bf-v15 .bf-calc [style*="border-radius"]{border-radius:0 !important}
.bf-v15 .bf-calc input,
.bf-v15 .bf-calc select,
.bf-v15 .bf-calc textarea{border-radius:0 !important;border-color:var(--line) !important}
.bf-v15 .bf-calc input:focus,
.bf-v15 .bf-calc select:focus{border-color:var(--accent) !important}
/* primary action picks up the v15 accent */
.bf-v15 .bf-calc .btn-primary{background:var(--accent) !important;border-radius:2px !important}
.bf-v15 .bf-calc .btn-primary:hover{background:var(--accent-deep) !important}
/* tab strip: v15 label treatment, accent for the active tab (was slate #0B1520) */
.bf-v15 .bf-calc-suite__tab{font-family:'Inter',sans-serif;font-size:11px;font-weight:600;
  letter-spacing:.08em;text-transform:uppercase;color:var(--ink-soft);background:#fff;
  border:1px solid var(--line);border-radius:0;transition:color .2s,border-color .2s}
.bf-v15 .bf-calc-suite__tab:hover{color:var(--ink);border-color:var(--silver)}
.bf-v15 .bf-calc-suite__tab.is-active{background:var(--accent);border-color:var(--accent);color:#fff}

/* =====================================================================
   HOMEPAGE — services carousel. Scrollable outline blocks (heading + short
   detail); each card deep-links to that pillar's drill-down on /services/.
   Native scroll-snap + JS buttons/dots/mouse-drag (assets/js/home-carousel.js).
   ===================================================================== */
.bf-v15 .bf-carousel{margin-top:8px}
.bf-v15 .bf-carousel__track{display:flex;gap:20px;overflow-x:auto;scroll-snap-type:x mandatory;scroll-behavior:smooth;-webkit-overflow-scrolling:touch;scrollbar-width:none;padding:6px 2px 12px;cursor:grab}
.bf-v15 .bf-carousel__track::-webkit-scrollbar{display:none}
.bf-v15 .bf-carousel.is-dragging .bf-carousel__track{cursor:grabbing;scroll-behavior:auto;scroll-snap-type:none}
.bf-v15 .bf-carousel__card{flex:0 0 300px;scroll-snap-align:start;display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-top:2px solid var(--bronze);padding:26px 24px 24px;text-decoration:none;transition:border-color .22s var(--ease),box-shadow .22s var(--ease),transform .22s var(--ease)}
.bf-v15 .bf-carousel__card:hover{border-color:var(--accent);border-top-color:var(--accent);transform:translateY(-3px);box-shadow:0 16px 32px -18px rgba(28,108,151,.45)}
.bf-v15 .bf-carousel__top{display:flex;align-items:center;justify-content:space-between;margin-bottom:18px}
.bf-v15 .bf-carousel__ic{width:46px;height:46px;display:inline-flex;align-items:center;justify-content:center;background:var(--paper-2);color:var(--accent);font-size:22px;transition:background .22s var(--ease),color .22s var(--ease)}
.bf-v15 .bf-carousel__card:hover .bf-carousel__ic{background:var(--accent);color:#fff}
.bf-v15 .bf-carousel__no{font-family:'Inter',sans-serif;font-weight:700;font-size:14px;color:var(--bronze);letter-spacing:.04em}
.bf-v15 .bf-carousel__card h3{font-family:'Inter',sans-serif;font-weight:600;font-size:18px;margin:0 0 9px;letter-spacing:-.01em;color:var(--ink)}
.bf-v15 .bf-carousel__card p{font-family:'Roboto',sans-serif;color:var(--ink-soft);font-size:14px;line-height:1.6;margin:0 0 18px}
.bf-v15 .bf-carousel__link{margin-top:auto;font-family:'Inter',sans-serif;font-weight:600;font-size:12.5px;letter-spacing:.04em;text-transform:uppercase;color:var(--accent)}
.bf-v15 .bf-carousel__nav{display:flex;align-items:center;justify-content:space-between;gap:20px;margin-top:24px}
.bf-v15 .bf-carousel__dots{display:flex;align-items:center;gap:8px}
.bf-v15 .bf-carousel__dot{width:9px;height:9px;border:0;padding:0;background:var(--line);cursor:pointer;transition:background .2s var(--ease),width .2s var(--ease)}
.bf-v15 .bf-carousel__dot.is-active{background:var(--bronze);width:24px}
.bf-v15 .bf-carousel__arrows{display:flex;gap:10px}
.bf-v15 .bf-carousel__btn{width:44px;height:44px;display:inline-flex;align-items:center;justify-content:center;border:1px solid var(--line);background:#fff;color:var(--ink);font-size:19px;cursor:pointer;transition:.2s var(--ease)}
.bf-v15 .bf-carousel__btn:hover:not(:disabled){background:var(--accent);border-color:var(--accent);color:#fff}
.bf-v15 .bf-carousel__btn:disabled{opacity:.35;cursor:default}
.bf-v15 .bf-svc-outline__cta{margin-top:34px;text-align:center}
@media (max-width:560px){.bf-v15 .bf-carousel__card{flex-basis:83%}}

/* ============================================================
   INVESTING PAGE (wealth management — Anchor Capital partnership)
   ============================================================ */
.bf-v15 .inv-partner{display:flex;align-items:center;justify-content:center;gap:16px;flex-wrap:wrap;margin-top:38px;padding-top:30px;border-top:1px solid var(--line)}
.bf-v15 .inv-partner__label{font-family:'Inter',sans-serif;font-size:11px;font-weight:600;letter-spacing:.16em;text-transform:uppercase;color:var(--ink-soft)}
.bf-v15 .inv-partner__name{font-family:'Inter',sans-serif;font-weight:800;letter-spacing:.06em;color:var(--ink);font-size:19px}
.bf-v15 .inv-partner__name span{color:var(--accent);font-weight:600;margin-left:5px}
.bf-v15 .inv-stats{display:grid;grid-template-columns:repeat(4,1fr);margin-top:42px;border-top:1px solid var(--line)}
.bf-v15 .inv-stats > div{padding:26px 22px;border-left:1px solid var(--line)}
.bf-v15 .inv-stats > div:first-child{border-left:none}
.bf-v15 .inv-stats b{display:block;font-family:'Inter',sans-serif;font-weight:800;font-size:30px;letter-spacing:-.02em;color:var(--accent)}
.bf-v15 .inv-stats span{display:block;margin-top:6px;font-size:11px;letter-spacing:.09em;text-transform:uppercase;color:var(--silver-mute);line-height:1.4}
.bf-v15 .inv-grid{display:grid;gap:16px}
.bf-v15 .inv-grid--4{grid-template-columns:repeat(4,1fr)}
.bf-v15 .inv-grid--3{grid-template-columns:repeat(3,1fr)}
.bf-v15 .inv-card{background:#fff;border:1px solid var(--line);padding:28px 26px;display:flex;flex-direction:column}
.bf-v15 .inv-card--top{border-top:2px solid var(--bronze)}
.bf-v15 .inv-card__ic{width:46px;height:46px;display:inline-flex;align-items:center;justify-content:center;font-size:22px;background:var(--paper-2);color:var(--accent);margin-bottom:18px}
.bf-v15 .inv-card h3{font-family:'Inter',sans-serif;font-weight:600;font-size:17px;margin:0 0 8px;color:var(--ink);letter-spacing:-.008em}
.bf-v15 .inv-card p{font-family:'Roboto',sans-serif;font-size:13.5px;line-height:1.6;color:var(--ink-soft);margin:0}
.bf-v15 .inv-callout{margin-top:36px;background:var(--paper-3);border:1px solid var(--line);border-left:3px solid var(--accent);padding:28px 30px}
.bf-v15 .inv-callout h4{font-family:'Inter',sans-serif;font-weight:700;font-size:16px;color:var(--ink);margin:0 0 16px}
.bf-v15 .inv-callout__grid{display:grid;grid-template-columns:1fr 1fr;gap:20px}
.bf-v15 .inv-callout__grid > div{font-size:14px;line-height:1.6;color:var(--ink-soft)}
.bf-v15 .inv-callout__grid strong{color:var(--ink);font-weight:600}
.bf-v15 .inv-split{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.bf-v15 .inv-split__copy h2{font-family:'Inter',sans-serif;font-size:clamp(24px,2.6vw,32px);letter-spacing:-.02em;font-weight:800;color:var(--ink);line-height:1.14;margin:0 0 18px}
.bf-v15 .inv-split__copy p{color:var(--ink-soft);font-size:16px;line-height:1.7;margin:0 0 16px}
.bf-v15 .inv-benefits{background:#fff;border:1px solid var(--line);padding:34px}
.bf-v15 .inv-benefits h3{font-family:'Inter',sans-serif;font-weight:700;font-size:18px;color:var(--ink);margin:0}
.bf-v15 .inv-benefits ul{list-style:none;margin:20px 0 0;padding:0;display:flex;flex-direction:column;gap:16px}
.bf-v15 .inv-benefits li{display:flex;gap:13px;align-items:flex-start;font-size:14px;line-height:1.55;color:var(--ink-soft)}
.bf-v15 .inv-benefits li i{color:var(--accent);flex:none;font-size:18px;margin-top:1px}
.bf-v15 .inv-benefits li strong{color:var(--ink);font-weight:600}
.bf-v15 .inv-steps{display:grid;grid-template-columns:repeat(5,1fr);gap:18px}
.bf-v15 .inv-step__no{width:42px;height:42px;display:inline-flex;align-items:center;justify-content:center;font-family:'Inter',sans-serif;font-weight:700;font-size:16px;color:#fff;background:var(--accent);margin-bottom:16px}
.bf-v15 .inv-step h3{font-family:'Inter',sans-serif;font-weight:600;font-size:15px;margin:0 0 6px;color:var(--ink)}
.bf-v15 .inv-step p{font-size:13px;line-height:1.55;color:var(--ink-soft);margin:0}
.bf-v15 .inv-disclaimer{padding:38px 0}
.bf-v15 .inv-disclaimer .wrap{max-width:840px;margin-inline:auto;text-align:center}
.bf-v15 .inv-disclaimer p{font-size:12px;line-height:1.7;color:var(--ink-soft);margin:0}
.bf-v15 .inv-disclaimer p.fine{font-size:11px;color:var(--silver-mute);margin-top:12px}
.bf-v15 .inv-disclaimer strong{color:var(--ink);font-weight:600}
/* dark 'offshore' feature section — a premium break in the light rotation */
.bf-v15 .bf-isec--dark{background:#0B1E30}
.bf-v15 .bf-isec--dark .eyebrow{color:var(--bronze-soft)}
.bf-v15 .bf-isec--dark .bf-ihd h2{color:#fff}
.bf-v15 .bf-isec--dark .bf-ihd p{color:var(--silver)}
.bf-v15 .bf-isec--dark .inv-card{background:rgba(255,255,255,.05);border-color:rgba(255,255,255,.12)}
.bf-v15 .bf-isec--dark .inv-card__ic{background:rgba(255,255,255,.08);color:var(--accent-soft)}
.bf-v15 .bf-isec--dark .inv-card h3{color:#fff}
.bf-v15 .bf-isec--dark .inv-card p{color:var(--silver)}
.bf-v15 .bf-isec--dark .inv-callout{background:rgba(43,134,176,.12);border-color:rgba(255,255,255,.12);border-left-color:var(--accent-soft)}
.bf-v15 .bf-isec--dark .inv-callout h4{color:#fff}
.bf-v15 .bf-isec--dark .inv-callout__grid > div{color:var(--silver)}
.bf-v15 .bf-isec--dark .inv-callout__grid strong{color:#fff}
.bf-v15 .bf-isec--dark .feat-card{background:rgba(255,255,255,.05);border-color:rgba(255,255,255,.12)}
.bf-v15 .bf-isec--dark .feat-card:hover{border-color:var(--accent-soft)}
.bf-v15 .bf-isec--dark .feat-card .ic{background:rgba(255,255,255,.08);color:var(--accent-soft)}
.bf-v15 .bf-isec--dark .feat-card h3{color:#fff}
.bf-v15 .bf-isec--dark .feat-card p{color:var(--silver)}
@media (max-width:980px){
  .bf-v15 .inv-grid--4{grid-template-columns:repeat(2,1fr)}
  .bf-v15 .inv-grid--3{grid-template-columns:1fr}
  .bf-v15 .inv-split{grid-template-columns:1fr;gap:34px}
  .bf-v15 .inv-steps{grid-template-columns:repeat(2,1fr)}
  .bf-v15 .inv-callout__grid{grid-template-columns:1fr}
  .bf-v15 .inv-stats{grid-template-columns:repeat(2,1fr)}
  .bf-v15 .inv-stats > div:nth-child(2n+1){border-left:none}
  .bf-v15 .inv-stats > div:nth-child(n+3){border-top:1px solid var(--line)}
}
@media (max-width:560px){
  .bf-v15 .inv-grid--4{grid-template-columns:1fr}
  .bf-v15 .inv-steps{grid-template-columns:1fr}
}

/* ============================================================
   COMING SOON (Client Portal / Mobile App placeholder)
   ============================================================ */
.bf-v15 .cs-hero{position:relative;overflow:hidden;background:#0A1A2E;min-height:72vh;display:flex;align-items:center;text-align:center;padding:clamp(80px,10vw,140px) 0}
.bf-v15 .cs-hero .bg{position:absolute;inset:0;z-index:0}
.bf-v15 .cs-hero .bg img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:center}
.bf-v15 .cs-hero .bg::after{content:"";position:absolute;inset:0;background:radial-gradient(90% 90% at 50% 42%,rgba(10,26,46,.72) 0%,rgba(10,26,46,.9) 68%,#0A1A2E 100%)}
.bf-v15 .cs-hero .wrap{position:relative;z-index:2;max-width:640px;margin-inline:auto}
.bf-v15 .cs-hero .eyebrow{justify-content:center;color:var(--bronze-soft);margin-bottom:20px}
.bf-v15 .cs-hero h1{font-family:'Inter',sans-serif;font-weight:800;font-size:clamp(38px,5vw,58px);letter-spacing:-.028em;line-height:1.04;color:#fff;margin:0}
.bf-v15 .cs-badge{display:inline-block;margin-top:22px;font-family:'Inter',sans-serif;font-size:11px;font-weight:600;letter-spacing:.18em;text-transform:uppercase;color:var(--accent-soft);border:1px solid var(--accent);padding:9px 20px}
.bf-v15 .cs-hero p{margin:26px auto 0;color:var(--silver);font-size:17px;line-height:1.7;max-width:520px}
.bf-v15 .cs-hero .ctas{margin-top:34px;display:flex;gap:14px;justify-content:center;flex-wrap:wrap}

/* =====================================================================
   COMPLIANCE (POPIA) — cookie consent banner + point-of-collection notice.
   UNSCOPED on purpose: the .bf-v15 body class is only present on v15 templates,
   but these must work on EVERY page; :root tokens are global so var(--*) resolves
   everywhere. Values mirror existing v15 components (buttons radius:2px, footer
   dark band, .trust-callout fine-print) — nothing new is designed.
   ===================================================================== */

/* cookie consent banner (inc/cookie-consent.php + assets/js/cookie-consent.js) */
.bf-cookie{position:fixed;left:0;right:0;bottom:0;z-index:1000;background:var(--header);color:var(--silver);border-top:1px solid var(--line-d);box-shadow:0 -8px 30px rgba(8,23,40,.28);font-family:'Roboto',sans-serif}
.bf-cookie[hidden]{display:none}
.bf-cookie__inner{max-width:var(--maxw);margin:0 auto;padding:16px var(--pad);display:flex;align-items:center;justify-content:space-between;gap:20px;flex-wrap:wrap}
.bf-cookie__text{margin:0;font-size:13px;line-height:1.6;color:var(--silver);max-width:820px}
.bf-cookie__text a{color:var(--accent-soft);text-decoration:underline}
.bf-cookie__actions{display:flex;gap:10px;flex:none}
.bf-cookie__btn{font-family:'Inter',sans-serif;font-weight:600;font-size:12.5px;letter-spacing:.05em;text-transform:uppercase;padding:12px 22px;border-radius:2px;border:1px solid transparent;cursor:pointer;transition:.25s cubic-bezier(.65,0,.35,1);line-height:1}
.bf-cookie__btn--accept{background:var(--accent);color:#fff}
.bf-cookie__btn--accept:hover{background:var(--accent-soft)}
.bf-cookie__btn--ghost{background:transparent;border-color:var(--silver-mute);color:var(--silver)}
.bf-cookie__btn--ghost:hover{border-color:var(--bronze);color:#fff}
@media (max-width:640px){.bf-cookie__inner{flex-direction:column;align-items:flex-start;gap:14px}.bf-cookie__actions{width:100%}.bf-cookie__btn{flex:1}}

/* POPIA point-of-collection notice (template-parts/popia-collection-notice.php) */
.bf-popia-note{display:flex;align-items:flex-start;gap:9px;margin:0 0 16px;padding:10px 14px;background:var(--paper-3);border-radius:2px;font-family:'Roboto',sans-serif;font-size:12px;line-height:1.6;color:var(--ink-soft)}
.bf-popia-note i{color:var(--accent);font-size:14px;margin-top:2px;flex:none}
.bf-popia-note a{color:var(--accent);font-weight:600;text-decoration:underline}
/* ondark variant — subtle fine-print for placement on a coloured card (quote summary) */
.bf-popia-note--ondark{background:transparent;padding:0;margin:0 0 14px;font-size:11.5px;color:rgba(255,255,255,.82)}
.bf-popia-note--ondark i{color:#fff}
.bf-popia-note--ondark a{color:#fff;font-weight:600;text-decoration:underline}