/* =====================================================
   MRA e-Services
   ===================================================== */
/*  1. Design tokens  */
:root{
  --mra-navy:#0D2B52;--mra-navy-dark:#081A34;--mra-gold:#C89B3C;--mra-gold-pale:#FBF5E6;
  --white:#ffffff;--gray-50:#F8F9FA;--gray-100:#EEF0F2;--gray-200:#D8DCE0;
  --gray-400:#9099A3;--gray-600:#4A5568;--gray-800:#1E2733;
  --green:#1A7A4A;--green-bg:#EAF5EF;--green-border:#A8D8B8;
  --error:#C0392B;--error-bg:#FEF2F1;
  --gold-text:#7A5B18;              /* gold-tone text on white/pale (AA) */
  --radius:6px;--radius-lg:14px;--radius-sm:4px;
}
/*  2. Base  */
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth}
@media(prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  *,*::before,*::after{animation:none!important;transition:none!important}
}
body{margin:0;background:var(--gray-50);font-family:system-ui,-apple-system,Arial,sans-serif;font-size:1rem;color:var(--gray-800)}
img{max-width:100%;height:auto}
a{color:#0F4C9A;text-underline-offset:2px}
.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap}
.skip-link{position:absolute;left:-9999px;top:0;background:var(--mra-navy);color:var(--white);padding:10px 18px;z-index:2000;border-radius:0 0 8px 0;font-weight:600}
.skip-link:focus{left:0;outline:3px solid var(--mra-gold);outline-offset:2px}

/*  3. Topbar / header  */
.mra-topbar{background:var(--mra-navy-dark);padding:6px 20px;display:flex;align-items:center}
.mra-topbar__text{font-size:0.7rem;color:rgba(255,255,255,0.55)}

.mra-header{background:var(--mra-navy);padding:14px 20px;display:flex;align-items:center;gap:14px;border-bottom:3px solid var(--mra-gold)}
.mra-header__logo{height:44px;width:auto;flex-shrink:0}
.mra-header__title{font-size:1rem;font-weight:700;color:var(--white);line-height:1.3}
.mra-header__sub{font-size:0.75rem;color:rgba(255,255,255,0.6);margin-top:2px}
.mra-header__back{margin-left:auto;background:rgba(255,255,255,0.1);border:1px solid rgba(255,255,255,0.25);color:var(--white);border-radius:var(--radius);padding:6px 14px;font-size:0.8rem;font-weight:600;cursor:pointer;display:flex;align-items:center;gap:6px;text-decoration:none}
.mra-header__back:hover{background:rgba(255,255,255,0.2)}
.mra-header__back:focus{outline:3px solid var(--mra-gold);outline-offset:2px}

/*  4. Top navigation  */
.mra-navbar{background:var(--white);border-bottom:1px solid var(--gray-200);position:relative}
.mra-navbar__inner{max-width:1100px;margin:0 auto;display:flex;align-items:center;padding:0 20px}
.mra-navbar__list{display:flex;list-style:none;margin:0;padding:0;gap:2px;flex:1}
.mra-navbar__link{display:flex;align-items:center;gap:7px;padding:14px 16px;font-size:0.85rem;font-weight:600;color:var(--gray-600);text-decoration:none;border-bottom:3px solid transparent;transition:color 0.15s,border-color 0.15s;white-space:nowrap}
.mra-navbar__link i{font-size:16px}
.mra-navbar__link:hover{color:var(--mra-navy)}
.mra-navbar__link:focus{outline:3px solid var(--mra-gold);outline-offset:-3px}
.mra-navbar__link--active{color:var(--mra-navy);border-bottom-color:var(--mra-gold)}
.mra-navbar__toggle{display:none;background:none;border:none;color:var(--mra-navy);font-size:22px;padding:12px;cursor:pointer}
.mra-navbar__toggle:focus{outline:3px solid var(--mra-gold);outline-offset:-3px}

@media(max-width:768px){
  .mra-navbar__toggle{display:block;margin-left:auto}
  .mra-navbar__list{display:none;flex-direction:column;width:100%;position:absolute;top:100%;left:0;background:var(--white);border-bottom:1px solid var(--gray-200);box-shadow:0 4px 10px rgba(13,43,82,0.08);z-index:10}
  .mra-navbar__list.open{display:flex}
  .mra-navbar__link{padding:12px 20px;border-bottom:1px solid var(--gray-100);border-left:3px solid transparent}
  .mra-navbar__link--active{border-bottom-color:var(--gray-100);border-left-color:var(--mra-gold)}
}

/*  5. Hero  */
.hero{background:linear-gradient(120deg,var(--mra-navy) 0%,#123A6D 60%,#1C4E8C 100%);color:var(--white);padding:44px 20px 52px}
.hero__inner{max-width:1100px;margin:0 auto;display:grid;gap:28px;grid-template-columns:1.2fr 0.8fr;align-items:center}
.hero__pill{display:inline-block;background:var(--mra-gold);color:#21170A;font-weight:700;font-size:0.72rem;letter-spacing:0.07em;padding:4px 12px;border-radius:20px;text-transform:uppercase}
.hero h1{font-size:2rem;line-height:1.2;margin:14px 0 8px}
.hero p{font-size:1rem;max-width:34rem;opacity:0.95;line-height:1.6;margin:0}
.hero__actions{display:flex;gap:10px;flex-wrap:wrap;margin-top:20px}

/*  6. Buttons  */
.mra-btn{display:inline-flex;align-items:center;justify-content:center;gap:7px;height:42px;padding:0 20px;border:none;border-radius:var(--radius);font-size:0.88rem;font-weight:700;cursor:pointer;transition:background 0.15s,transform 0.1s;white-space:nowrap;letter-spacing:0.01em;text-decoration:none}
.mra-btn--primary{background:var(--mra-navy);color:var(--white)}
.mra-btn--primary:hover{background:var(--mra-navy-dark)}
.mra-btn--primary:focus{outline:3px solid var(--mra-gold);outline-offset:2px}
.mra-btn--primary:active{transform:scale(0.99)}
.mra-btn--gold{background:var(--mra-gold);color:#21170A}
.mra-btn--gold:hover{background:#B8892F}
.mra-btn--gold:focus{outline:3px solid var(--white);outline-offset:2px}
.mra-btn--ghost{background:transparent;color:var(--white);border:1.5px solid rgba(255,255,255,0.55)}
.mra-btn--ghost:hover{border-color:var(--white);background:rgba(255,255,255,0.1)}
.mra-btn--ghost:focus{outline:3px solid var(--mra-gold);outline-offset:2px}
.mra-btn--outline{background:var(--white);color:var(--mra-navy);border:1.5px solid var(--gray-200)}
.mra-btn--outline:hover{background:var(--gray-50);border-color:var(--mra-navy)}
.mra-btn--outline:focus{outline:3px solid var(--mra-gold);outline-offset:2px}

/*  7. Key information card (hero, right)  */
.key-info{background:var(--white);color:var(--gray-800);border-radius:var(--radius-lg);border:0.5px solid var(--gray-200);box-shadow:0 2px 16px rgba(13,43,82,0.15);padding:22px 24px}
.key-info__goldbar{height:3px;width:48px;background:var(--mra-gold);border-radius:2px;margin-bottom:12px}
.key-info h2{margin:0 0 12px;font-size:1.05rem;font-weight:700;color:var(--mra-navy);display:flex;align-items:center;gap:8px}
.key-info h2 i{color:var(--mra-gold)}
.key-info dl{margin:0;display:grid;grid-template-columns:auto 1fr;gap:7px 14px;font-size:0.88rem}
.key-info dt{font-weight:600;color:var(--gray-600)}
.key-info dd{margin:0;font-weight:600}
.key-info .due{color:var(--gold-text);font-size:1rem}

/*  8. Sections / grids  */
.section{padding:44px 20px}
.section--alt{background:var(--gray-100)}
.section__inner{max-width:1100px;margin:0 auto}
.section__goldbar{height:3px;width:48px;background:var(--mra-gold);border-radius:2px;margin-bottom:14px}
.section__heading{font-size:1.35rem;font-weight:700;color:var(--mra-navy);line-height:1.25;margin:0 0 6px}
.section__desc{font-size:0.9rem;color:var(--gray-600);line-height:1.55;margin:0 0 24px;max-width:70rem}

.grid{display:grid;gap:18px}
.grid--3{grid-template-columns:repeat(3,1fr)}
.grid--2{grid-template-columns:repeat(2,1fr)}

.mra-main{display:flex;justify-content:center;padding:28px 16px 56px}

/*  9. Cards 
   Shared base, then two context variants:
   - grid tiles on the home page   (.grid .mra-card)
   - centred content-page card     (.mra-main > .mra-card)          */
.mra-card{
  background:var(--white);
  border-radius:var(--radius-lg);
  border:0.5px solid var(--gray-200);
  box-shadow:0 2px 16px rgba(13,43,82,0.07);
}


.grid .mra-card{
  padding:24px;
  display:flex;flex-direction:column;gap:10px;
}
.mra-main > .mra-card{
  padding:30px 30px 26px;          /* matches banner's -30px */
  width:100%;max-width:820px;      /* fixed centred column */
  width:100%;max-width:820px;
  margin-left:auto;margin-right:auto;   /* centers without flex too */
}

.mra-card--gold{border-top:3px solid var(--mra-gold)}
.mra-card__icon{width:46px;height:46px;border-radius:10px;background:var(--mra-gold-pale);color:var(--mra-navy);display:flex;align-items:center;justify-content:center;font-size:22px;flex-shrink:0}
.mra-card__title{font-size:1.02rem;font-weight:700;color:var(--mra-navy);margin:0}
.grid .mra-card p{font-size:0.87rem;color:var(--gray-600);line-height:1.55;margin:0}
.grid .mra-card ul{margin:2px 0 0;padding-left:18px;font-size:0.85rem;color:var(--gray-600);line-height:1.55;flex-grow:1}
.grid .mra-card li{margin-bottom:4px}
.mra-card .mra-btn{align-self:flex-start;margin-top:8px}
.mra-card__notes{display:inline-flex;align-items:center;gap:6px;font-size:0.82rem;font-weight:600;color:#0F4C9A;text-decoration:none;margin-top:6px}
.mra-card__notes i{font-size:15px;color:var(--gold-text)}
.mra-card__notes:hover{text-decoration:underline}
.mra-card__notes:focus{outline:3px solid var(--mra-gold);outline-offset:2px}
.mra-card__desc{font-size:0.87rem;color:var(--gray-600);line-height:1.6;margin:0 0 18px}

/*  10. Card banner (two navy bars)  */
.mra-card__banner{
  margin:-30px -30px 22px;         /* must equal .mra-main > .mra-card padding */
  border-radius:var(--radius-lg) var(--radius-lg) 0 0;
  overflow:hidden;
  border-bottom:3px solid var(--mra-gold);
}
.mra-card__banner-row{
  background:var(--mra-navy);color:var(--white);
  text-align:center;padding:11px 18px;
  font-weight:700;line-height:1.45;
}
.mra-card__banner-row + .mra-card__banner-row{border-top:2px solid rgba(255,255,255,0.35)}
.mra-card__banner-title{font-size:1.05rem}
.mra-card__banner-sub{font-size:0.92rem}

/*  11. Actions row (content pages)  */
.mra-actions{display:flex;gap:12px;margin-top:22px;padding-top:20px;border-top:1px solid var(--gray-200);flex-wrap:wrap}

/*  12. Notice  */
.mra-notice{display:flex;gap:10px;align-items:flex-start;background:var(--mra-gold-pale);border:1px solid #E8D69A;border-left:5px solid var(--mra-gold);border-radius:var(--radius);padding:14px 18px;margin:22px 0 20px;font-size:0.87rem;line-height:1.55}
.mra-notice i{color:var(--gold-text);font-size:20px;flex-shrink:0;margin-top:1px}
.mra-notice p{margin:0}

/*  13. Accordion (native details/summary)  */
.mra-acc details{background:var(--white);border:1px solid var(--gray-200);border-radius:var(--radius-lg);margin-bottom:10px;overflow:hidden}
.mra-acc summary{list-style:none;cursor:pointer;padding:13px 18px;font-size:0.9rem;font-weight:700;color:var(--mra-navy);display:flex;align-items:center;gap:9px;min-height:48px}
.mra-acc summary i{font-size:17px;color:var(--mra-gold)}
.mra-acc summary::-webkit-details-marker{display:none}
.mra-acc summary::after{content:"\ea5f";font-family:"tabler-icons";margin-left:auto;color:var(--gray-400);transition:transform 0.2s}
.mra-acc details[open] summary::after{transform:rotate(180deg)}
.mra-acc details[open] summary{border-bottom:1px solid var(--gray-100)}
.mra-acc summary:focus{outline:3px solid var(--mra-gold);outline-offset:-3px}
.mra-acc__body{padding:14px 18px 18px;font-size:0.87rem;color:var(--gray-600);line-height:1.6;background:var(--gray-50)}
.mra-acc__body p{margin:0 0 10px}
.mra-acc__body p:last-child{margin-bottom:0}
.mra-acc__body p strong{color:var(--mra-navy)}
.mra-acc__body .pay-list{margin:4px 0 14px;padding-left:22px}
.mra-acc__body .pay-list li{margin:5px 0;line-height:1.6}
.mra-acc__body .benefit-list{margin:4px 0 14px;padding-left:24px}
.mra-acc__body .benefit-list li{margin:4px 0;line-height:1.6}
.mra-acc__body .geninfo-list{margin:4px 0 0;padding-left:22px}
.mra-acc__body .geninfo-list li{margin:8px 0;line-height:1.6}

/*  14. Numbered notes list + callouts (errors / notes pages)  */
.notes{counter-reset:note;list-style:none;margin:0;padding:0}
.notes > li{
  counter-increment:note;
  position:relative;
  padding:16px 0 16px 46px;
  border-bottom:1px solid var(--gray-100);
  font-size:0.9rem;line-height:1.65;color:var(--gray-800);
}
.notes > li:last-child{border-bottom:none}
.notes > li::before{
  content:counter(note);
  position:absolute;left:0;top:16px;
  width:30px;height:30px;border-radius:50%;
  background:var(--mra-navy);color:var(--white);
  display:flex;align-items:center;justify-content:center;
  font-size:0.8rem;font-weight:700;
}
.notes p{margin:0 0 10px;text-align:justify}
.notes p:last-child{margin-bottom:0}
.notes .note-title{font-weight:700;color:var(--mra-navy)}

/*  note blocks (privacy policy / notes pages)  */
.note-block{padding:18px 0;border-bottom:1px solid var(--gray-100)}
.note-block:last-child{border-bottom:none}
.note-block__title{
  display:flex;align-items:flex-start;gap:10px;
  font-size:1rem;font-weight:700;color:var(--mra-navy);
  margin:0 0 10px;line-height:1.4;
}
.note-block__title::before{
  content:"";width:5px;min-height:20px;border-radius:3px;
  background:var(--mra-gold);flex-shrink:0;margin-top:2px;align-self:stretch;
}
.note-block__subtitle{font-size:0.92rem;font-weight:700;color:var(--mra-navy);margin:16px 0 8px}
.note-block p{font-size:0.9rem;line-height:1.65;margin:0 0 10px;text-align:justify}
.note-block p:last-child{margin-bottom:0}
.note-block ol,.note-block ul{font-size:0.9rem;line-height:1.65;margin:8px 0 10px;padding-left:24px}
.note-block li{margin:5px 0;text-align:justify}
.note-block a{color:#0F4C9A;word-break:break-all}
.note-block a:focus{outline:3px solid var(--mra-gold);outline-offset:2px}

/* target highlight for deep links */
.note-block{scroll-margin-top:16px}
.note-block:target{background:var(--mra-gold-pale);border-radius:var(--radius);padding-left:14px;padding-right:14px;outline:2px solid #E8D69A;outline-offset:-2px}

/* wrong-claim condition list: red cross markers */
.err-list{list-style:none;margin:8px 0 10px;padding:0}
.err-list li{
  position:relative;
  padding:4px 0 4px 26px;
  margin:2px 0;
  text-align:justify;
}
.err-list li::before{
  content:"\eb55"; /* tabler x */
  font-family:"tabler-icons";
  position:absolute;left:2px;top:5px;
  color:var(--error);font-size:14px;font-weight:700;
}

/* tip callout (good practice) */
.note-tip{
  display:flex;gap:10px;align-items:flex-start;
  background:var(--green-bg);border:1.5px solid var(--green-border);
  border-radius:var(--radius);padding:11px 14px;margin-top:10px;
  font-size:0.86rem;color:var(--green);font-weight:600;
}
.note-tip i{font-size:18px;flex-shrink:0;margin-top:1px}
.note-tip p{margin:0;text-align:left}

/* examples / definition callout */
.note-def{
  background:var(--gray-50);border:1px solid var(--gray-200);
  border-left:4px solid var(--mra-gold);border-radius:var(--radius);
  padding:12px 16px;margin:10px 0;
}
.note-def p{margin:0 0 8px}
.note-def p:last-child{margin-bottom:0}

/*  15. Checklist + progress (required-information page)  */
.check-progress{margin-bottom:20px}
.check-progress__label{display:flex;justify-content:space-between;align-items:center;font-size:0.82rem;font-weight:700;color:var(--mra-navy);margin-bottom:7px}
.check-progress__count{color:var(--gold-text)}
.check-progress__track{height:10px;background:var(--gray-100);border:1px solid var(--gray-200);border-radius:999px;overflow:hidden}
.check-progress__fill{height:100%;width:0;background:linear-gradient(90deg,var(--mra-gold),#B8892F);border-radius:999px;transition:width 0.25s}
.check-progress__fill.complete{background:linear-gradient(90deg,var(--green),#28A05F)}

.check-done{display:none;align-items:center;gap:10px;background:var(--green-bg);border:1.5px solid var(--green-border);border-radius:var(--radius);padding:11px 16px;margin-bottom:18px;font-size:0.87rem;color:var(--green);font-weight:600}
.check-done.show{display:flex}
.check-done i{font-size:20px;flex-shrink:0}

.checklist{list-style:none;margin:0;padding:0}
.checklist__item{border-bottom:1px solid var(--gray-100)}
.checklist__item:last-child{border-bottom:none}
.checklist__label{
  display:flex;align-items:flex-start;gap:13px;
  padding:13px 10px;cursor:pointer;border-radius:var(--radius);
  transition:background 0.12s;
  font-size:0.9rem;line-height:1.55;
}
.checklist__label:hover{background:var(--gray-50)}

/* native checkbox visually replaced but still focusable/announced */
.checklist__box{
  appearance:none;-webkit-appearance:none;
  width:22px;height:22px;flex-shrink:0;margin:2px 0 0;
  border:2px solid var(--gray-200);border-radius:var(--radius-sm);
  background:var(--white);cursor:pointer;
  display:inline-flex;align-items:center;justify-content:center;
  transition:background 0.12s,border-color 0.12s;
  position:relative;
}
.checklist__box:hover{border-color:var(--mra-navy)}
.checklist__box:focus-visible{outline:3px solid var(--mra-gold);outline-offset:2px}
.checklist__box:checked{background:var(--green);border-color:var(--green)}
.checklist__box:checked::after{
  content:"";width:6px;height:11px;
  border:solid var(--white);border-width:0 2.5px 2.5px 0;
  transform:rotate(45deg);margin-top:-3px;
}
.checklist__text{flex:1}
.checklist__box:checked ~ .checklist__text{color:var(--gray-400);text-decoration:line-through;text-decoration-color:var(--gray-400)}
.checklist__hint{display:inline-block;background:var(--mra-gold-pale);color:var(--gold-text);font-size:0.7rem;font-weight:700;letter-spacing:0.04em;text-transform:uppercase;border-radius:20px;padding:2px 9px;margin-left:8px;vertical-align:middle;text-decoration:none!important}
.checklist__box:checked ~ .checklist__text .checklist__hint{opacity:0.5}

/*  16. Contact section  */
.contact-wrap{display:flex;background:var(--white);border-radius:var(--radius-lg);border:0.5px solid var(--gray-200);box-shadow:0 2px 16px rgba(13,43,82,0.07);overflow:hidden}

/* LEFT — navy gradient panel, centered, decorative circles */
.help-panel{
  position:relative;overflow:hidden;
  background:linear-gradient(160deg,#0D2B52 0%,#123A6D 55%,#1B4B8A 100%);
  color:var(--white);padding:44px 30px;width:370px;flex-shrink:0;
  display:flex;flex-direction:column;align-items:center;justify-content:center;
  text-align:center;
}
.help-panel::before,
.help-panel::after{
  content:"";position:absolute;border-radius:50%;
  border:1.5px solid rgba(255,255,255,0.07);pointer-events:none;
}
.help-panel::before{width:340px;height:340px;top:-120px;left:-120px;background:rgba(255,255,255,0.03)}
.help-panel::after{width:300px;height:300px;bottom:-110px;right:-110px;background:rgba(255,255,255,0.03)}

.help-icons{display:flex;align-items:center;gap:14px;margin-bottom:26px;position:relative;z-index:1}
.help-icon-box{
  background:rgba(255,255,255,0.06);
  border:1.5px solid rgba(255,255,255,0.22);
  border-radius:50%;
  display:flex;align-items:center;justify-content:center;
  color:var(--mra-gold);
}
.help-icon-box.sm{width:52px;height:52px;font-size:21px}
.help-icon-box.lg{width:88px;height:88px;font-size:36px}
.help-icon-box.md{width:64px;height:64px;font-size:26px}

.help-title{font-size:1.2rem;font-weight:700;margin-bottom:14px;position:relative;z-index:1}
.help-desc{font-size:0.86rem;font-weight:600;color:rgba(255,255,255,0.8);line-height:1.7;margin:0 0 24px;max-width:290px;position:relative;z-index:1}
.help-badge{
  display:inline-flex;align-items:center;gap:8px;
  background:rgba(255,255,255,0.06);
  border:1.5px solid rgba(200,155,60,0.55);color:#E8C877;
  border-radius:999px;padding:9px 20px;
  font-size:0.8rem;font-weight:600;position:relative;z-index:1;
}
.help-badge i{color:var(--mra-gold);font-size:16px}

.panel-divider{width:1px;background:var(--gray-200)}

/* RIGHT — contact details with colour-coded icons and dividers */
.contact-panel{flex:1;padding:30px 34px 26px}
.contact-title{font-size:1.25rem;font-weight:700;color:var(--mra-navy);margin:0 0 4px}
.contact-sub{font-size:0.86rem;color:#4A6A8F;margin:0 0 8px}
.contact-list{display:flex;flex-direction:column}
.contact-item{display:flex;gap:14px;align-items:flex-start;padding:16px 0;border-bottom:1px solid var(--gray-100)}
.contact-item:last-child{border-bottom:none}
.ci-icon{width:42px;height:42px;border-radius:10px;display:flex;align-items:center;justify-content:center;font-size:19px;flex-shrink:0}
.ci-icon.email{background:#E3EDFB;color:#1B62C4}
.ci-icon.phone{background:#E7F5EC;color:#1A7A4A}
.ci-icon.whatsapp{background:#E9F9EF;color:#128C45}
.ci-icon.address{background:#FDEBEA;color:#D14335}
.ci-icon.web{background:#E3EDFB;color:#1B62C4}
.ci-icon.hours{background:var(--mra-gold-pale);color:#8A6414}
.ci-label{font-size:0.72rem;font-weight:700;letter-spacing:0.06em;text-transform:uppercase;color:var(--gray-400);margin-bottom:3px}
.ci-value{font-size:0.9rem;font-weight:600;color:var(--mra-navy);line-height:1.55}
.ci-value a{color:var(--mra-navy);text-decoration:none}
.ci-value a:hover{text-decoration:underline;color:#0F4C9A}
.ci-value a:focus{outline:3px solid var(--mra-gold);outline-offset:2px}

@media(max-width:768px){
  .contact-wrap{flex-direction:column}
  .help-panel{width:100%}
  .panel-divider{width:100%;height:1px}
}

/*  17. Footer  */
.mra-footer{background:var(--mra-navy-dark);padding:12px 20px;display:flex;align-items:center;justify-content:space-between;flex-wrap:wrap;gap:8px;margin-top:40px}
.mra-footer__text{font-size:0.72rem;color:rgba(255,255,255,0.4)}
.mra-footer__links{display:flex;gap:14px}
.mra-footer__links a{font-size:0.72rem;color:rgba(255,255,255,0.4);text-decoration:none}
.mra-footer__links a:hover{color:#F0D898}
.mra-footer__links a:focus{outline:3px solid var(--mra-gold);outline-offset:2px}

/* alert notice (Option 3) */
.mra-notice.mra-notice--alert{
  background:var(--error-bg);
  border:2px solid #E8B4AE;
  border-left:6px solid var(--error);
  padding:18px 20px;
}
.mra-notice.mra-notice--alert i{color:var(--error);font-size:26px}
.mra-notice__title{font-weight:700;color:#791F1F;font-size:0.95rem;margin:0 0 4px}

/*  18. Responsive (page layout)  */
@media(max-width:900px){
  .hero__inner{grid-template-columns:1fr}
  .grid--3{grid-template-columns:1fr 1fr}
}
@media(max-width:640px){
  .grid--3,.grid--2{grid-template-columns:1fr}
  .hero h1{font-size:1.55rem}
}

/* =====================================================
   19. Accessibility toolbar — floating overlay
   ===================================================== */
.a11y-toggle{
    position:fixed;top:50%;right:0;transform:translateY(-50%);
    z-index:1000;
    width:46px;height:46px;
    background:var(--mra-gold);color:var(--mra-navy-dark);
    border:none;border-radius:8px 0 0 8px;
    display:flex;align-items:center;justify-content:center;
    cursor:pointer;
    box-shadow:-2px 2px 10px rgba(13,43,82,0.25);
    transition:background 0.15s;
}
.a11y-toggle i{font-size:26px}
.a11y-toggle:hover{background:#B8892F}
.a11y-toggle:focus{outline:3px solid var(--mra-navy);outline-offset:2px}

.a11y-panel{
    position:fixed;top:50%;right:54px;transform:translateY(-50%);
    z-index:1001;
    width:230px;
    background:var(--white);
    border:1px solid var(--gray-200);
    border-radius:var(--radius-lg);
    box-shadow:0 6px 24px rgba(13,43,82,0.18);
    padding:0;overflow:hidden;
    display:none;
}
.a11y-panel.open{display:block}
.a11y-panel__head{
    background:var(--mra-navy);color:var(--white);
    padding:10px 14px;font-size:0.82rem;font-weight:700;
    display:flex;align-items:center;gap:7px;
}
.a11y-panel__head i{font-size:16px;color:var(--mra-gold)}
.a11y-panel__list{list-style:none;margin:0;padding:6px}
.a11y-panel__btn{
    width:100%;display:flex;align-items:center;gap:9px;
    background:none;border:none;border-radius:var(--radius);
    padding:9px 10px;font-size:0.82rem;font-weight:600;
    color:var(--gray-800);cursor:pointer;text-align:left;
    transition:background 0.12s;
}
.a11y-panel__btn i{font-size:17px;color:var(--mra-navy);flex-shrink:0}
.a11y-panel__btn:hover{background:var(--gray-100)}
.a11y-panel__btn:focus{outline:3px solid var(--mra-gold);outline-offset:-3px}
.a11y-panel__btn[aria-pressed="true"]{background:var(--mra-gold-pale);color:var(--gold-text)}
.a11y-panel__btn[aria-pressed="true"] i{color:var(--mra-gold)}
.a11y-panel__btn--reset{color:var(--error);border-top:1px solid var(--gray-100);border-radius:0;margin-top:4px}
.a11y-panel__btn--reset i{color:var(--error)}

/*  Effect classes (applied to <html>)  */
html.a11y-grayscale{filter:grayscale(100%)}
/* High contrast = token remap, not a filter */
html.a11y-contrast{
    --gray-50:#FFFFFF;
    --gray-100:#DDDDDD;
    --gray-200:#595959;
    --gray-400:#3D3D3D;
    --gray-600:#1A1A1A;
    --gray-800:#000000;
    --mra-navy:#001633;
    --mra-navy-dark:#000C1F;
    --mra-gold:#8A6414;
    --mra-gold-pale:#FFF3D1;
    --gold-text:#5C430F;
    --green:#0E5C35;
    --error:#A02015;
}
html.a11y-contrast .mra-header__sub,
html.a11y-contrast .mra-topbar__text,
html.a11y-contrast .mra-footer__text,
html.a11y-contrast .mra-footer__links a,
html.a11y-contrast .help-desc{
    color:rgba(255,255,255,0.9);
}
html.a11y-contrast .hero{background:#001633}
html.a11y-contrast .hero p{opacity:1}
html.a11y-contrast a{color:#0000C7}
html.a11y-contrast .help-panel{background:#001633}
html.a11y-contrast .help-badge{color:#F0D898}
html.a11y-contrast .ci-icon.email,
html.a11y-contrast .ci-icon.phone,
html.a11y-contrast .ci-icon.whatsapp,
html.a11y-contrast .ci-icon.address,
html.a11y-contrast .ci-icon.web,
html.a11y-contrast .ci-icon.hours{background:#FFFFFF;color:#000000;border:2px solid #000000}
html.a11y-contrast .contact-sub{color:#1A1A1A}
html.a11y-contrast .ci-value a{text-decoration:underline}
html.a11y-negative{filter:invert(100%) hue-rotate(180deg)}
html.a11y-negative img{filter:invert(100%) hue-rotate(180deg)}
html.a11y-links a{text-decoration:underline !important}
html.a11y-readable body,
html.a11y-readable input,
html.a11y-readable select,
html.a11y-readable button{font-family:Verdana,Arial,sans-serif !important}

/*  20. Small screens (combined)  */
@media(max-width:560px){
    .mra-main > .mra-card{padding:22px 18px}
    .mra-card__banner{margin:-22px -18px 18px}
    .mra-actions{flex-direction:column}
    .notes > li{padding-left:40px}
    .a11y-panel{right:10px;left:10px;width:auto;top:auto;bottom:64px;transform:none}
    .a11y-toggle{top:auto;bottom:10px;transform:none;border-radius:8px 0 0 8px}
}