.wrap{width:var(--wrap);margin-inline:auto;padding-inline:clamp(12px,2vw,24px)}
.band{padding:48px 0}
.band-cream{background:var(--cream)}
.grid{display:grid;gap:22px}
.grid-2{grid-template-columns:repeat(2,1fr)}
.grid-3{grid-template-columns:repeat(3,1fr)}
@media (max-width:900px){.grid-2,.grid-3{grid-template-columns:1fr}}
.card {
  background: #ffbf7f;
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 20px;
  border: 1px solid rgba(38,70,83,.08);
  transition: transform .18s ease, box-shadow .18s ease;
  opacity: 0.8; /* 0 = fully transparent, 1 = fully opaque */
}

.card:hover{transform:translateY(-3px);box-shadow:0 10px 24px rgba(38,70,83,.12)}
.hero{background:#fff}
.hero-inner{display:grid;grid-template-columns:1.2fr .8fr;gap:24px;align-items:center;padding:36px 0}
.hero-badge{justify-self:end;background:linear-gradient(135deg,var(--orange),#ffc278);color:#fff;border-radius:20px;padding:22px 28px;font-weight:800;box-shadow:var(--shadow)}
@media (max-width:900px){.hero-inner{grid-template-columns:1fr}.hero-badge{justify-self:start}}
.cta-strip{display:flex;gap:14px;align-items:center;justify-content:space-between;background:#fff;border:1px solid rgba(38,70,83,.08);border-radius:var(--radius);padding:16px 18px;margin-top:18px;flex-wrap:wrap}
.cta-content{display:flex;flex-direction:column;gap:6px;min-width:240px}
.cta-actions{display:flex;gap:10px;flex-wrap:wrap;justify-content:center}
/* Center text for CTA content */
.cta-content{text-align:center}
@media (max-width:900px){
  .cta-strip{justify-content:center;text-align:center}
}


/* Tabs */
.tabs{border:1px solid rgba(38,70,83,.12);border-radius:var(--radius);background:#fff}
.tab-nav{display:flex;gap:8px;padding:8px;border-bottom:1px solid rgba(38,70,83,.08)}
.tab{padding:10px 14px;border-radius:10px;background:transparent;border:1px solid transparent;cursor:pointer;position:relative}
.tab::after{content:"";position:absolute;left:10px;right:10px;bottom:6px;height:2px;background:transparent;transition:background .12s,width .12s}
.tab:hover::after{background:var(--orange)}
.tab.is-active{color:var(--charcoal);font-weight:700}
.tab.is-active::after{background:var(--orange)}
.tab-panels{padding:16px}
.tab-panel{display:none}
.tab-panel.is-active{display:block}


/* Form */
.form label{display:flex;flex-direction:column;gap:6px}
.input, select, textarea{width:100%;padding:12px 14px;border-radius:12px;border:1px solid rgba(38,70,83,.25);background:#fff;font:inherit}
.input:focus, select:focus, textarea:focus{outline:2px solid var(--green);border-color:transparent}
.col-span-2{grid-column:span 2}
@media (max-width:900px){.col-span-2{grid-column:span 1}}


/* Lists */
.tick{list-style:none;padding-left:0}
.tick li{position:relative;padding-left:28px;margin:8px 0}
.tick li:before{content:'✓' !important;position:absolute;left:0;top:0;color:var(--orange);font-weight:800}
.tick li:before{content:'✓';position:absolute;left:0;top:0;color:var(--orange);font-weight:800}