:root {
  --cream:      #FBF5EF;
  --white:      #FFFFFF;
  --ink:        #19233A;
  --ink-soft:   #46506B;
  --muted:      #8A8579;
  --coral:      #F0613C;
  --coral-deep: #D94E2B;
  --coral-soft: #FCE3DA;
  --navy:       #16233A;
  --gold:       #F2B544;
  --gold-soft:  #FCEFCF;
  --green:      #2BA66B;
  --green-soft: #DBF1E5;
  --line:       #ECE2D8;
  --err:        #D64430;

  --r:    24px;
  --r-lg: 32px;
  --r-sm: 14px;
  --pill: 999px;
  --shell: 1160px;

  --sh-sm: 0 2px 10px rgba(25,35,58,.06);
  --sh:    0 18px 44px rgba(25,35,58,.10);
  --sh-lg: 0 34px 80px rgba(217,78,43,.20);

  --display: "Bricolage Grotesque", Georgia, serif;
  --body: "Plus Jakarta Sans", system-ui, -apple-system, Segoe UI, Roboto, sans-serif;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--body);
  color: var(--ink);
  background: var(--cream);
  line-height: 1.62;
  -webkit-font-smoothing: antialiased;
}
img, svg { display: block; max-width: 100%; }
a { color: var(--coral-deep); text-decoration: none; }
a:hover { color: var(--coral); }

h1, h2, h3 {
  font-family: var(--display);
  font-weight: 700;
  line-height: 1.05;
  letter-spacing: -0.02em;
  margin: 0 0 .5em;
  color: var(--ink);
}
p { margin: 0 0 1rem; }

.ng-shell {
  width: 100%;
  max-width: var(--shell);
  margin-inline: auto;
  padding-inline: 22px;
}

.ng-eyebrow {
  display: inline-block;
  font-size: .76rem;
  font-weight: 700;
  letter-spacing: .14em;
  text-transform: uppercase;
  color: var(--coral-deep);
  background: var(--coral-soft);
  padding: 7px 14px;
  border-radius: var(--pill);
}

.ng-logo {
  width: 180px;
}

/* ---------- Buttons ---------- */
.ng-btn {
  font-family: var(--body);
  font-weight: 700;
  font-size: 1rem;
  border: 0;
  border-radius: var(--pill);
  padding: 15px 26px;
  cursor: pointer;
  display: inline-flex; align-items: center; justify-content: center; gap: .55rem;
  transition: transform .14s ease, box-shadow .22s ease, background .2s ease;
}
.ng-btn--coral {
  background: var(--coral);
  color: #fff;
  box-shadow: 0 12px 26px rgba(240,97,60,.34);
}
.ng-btn--coral:hover { background: var(--coral-deep); transform: translateY(-2px); box-shadow: 0 18px 34px rgba(240,97,60,.42); color:#fff; }
.ng-btn--coral:active { transform: translateY(0); }
.ng-btn--full { width: 100%; }
.ng-btn--ghost {
  background: var(--white);
  color: var(--ink);
  box-shadow: var(--sh-sm);
}
.ng-btn--ghost:hover { color: var(--coral-deep); transform: translateY(-2px); }
.ng-btn--light {
  background: rgba(255,255,255,.16);
  color: #fff;
  backdrop-filter: blur(4px);
}
.ng-btn--light:hover { background: rgba(255,255,255,.26); color:#fff; }

/* ---------- Floating pill nav ---------- */
.ng-topwrap { position: sticky; top: 0; z-index: 50; padding-top: 18px; }
.ng-nav {
  max-width: var(--shell);
  margin-inline: auto;
  margin-inline: max(22px, calc((100% - var(--shell)) / 2));
  background: rgba(255,255,255,.9);
  backdrop-filter: blur(10px);
  border-radius: var(--pill);
  box-shadow: var(--sh);
  display: flex; align-items: center; justify-content: space-between;
  padding: 12px 12px 12px 22px;
  height: 66px;
}
.ng-brand { display: inline-flex; align-items: center; gap: 10px; }
.ng-brand:hover { color: var(--ink); }
.ng-brand__name { font-family: var(--display); font-weight: 700; font-size: 1.24rem; letter-spacing: -0.02em; color: var(--ink); }
.ng-brand__name span { color: var(--coral); }
.ng-menu { display: flex; align-items: center; gap: 28px; }
.ng-menu__link { color: var(--ink-soft); font-weight: 600; font-size: .96rem; }
.ng-menu__link:hover, .ng-menu__link[aria-current="page"] { color: var(--coral-deep); }
.ng-menu__cta { margin-left: 4px; }
.ng-menu__cta .ng-btn { padding: 11px 20px; }

.ng-burger {
  display: none;
  width: 46px; height: 46px;
  border: 0; border-radius: var(--pill);
  background: var(--coral-soft); color: var(--coral-deep);
  cursor: pointer; align-items: center; justify-content: center;
}
.ng-burger svg { width: 22px; height: 22px; }

/* ---------- Hero ---------- */
.ng-hero { padding: 26px 0 0; }
.ng-hero__band {
  position: relative;
  overflow: hidden;
  background: linear-gradient(135deg, #F4724E, var(--coral) 55%, var(--coral-deep));
  border-radius: var(--r-lg);
  padding: 60px 56px 110px;
  color: #fff;
}
.ng-hero__band .ng-eyebrow { background: rgba(255,255,255,.2); color: #fff; }
.ng-hero__title {
  color: #fff;
  font-size: clamp(2.4rem, 5vw, 3.7rem);
  max-width: 16ch;
  margin: 18px 0 .35em;
}
.ng-hero__lead { color: rgba(255,255,255,.92); font-size: 1.14rem; max-width: 44ch; margin: 0; }
.ng-hero__pills { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 22px; }
.ng-pill {
  display: inline-flex; align-items: center; gap: 8px;
  font-size: .86rem; font-weight: 600;
  background: rgba(255,255,255,.16);
  border-radius: var(--pill);
  padding: 8px 14px;
}
.ng-pill svg { flex: none; }
/* decorative blobs */
.ng-blob { position: absolute; border-radius: 50%; background: rgba(255,255,255,.10); pointer-events: none; }
.ng-blob--1 { width: 320px; height: 320px; right: -80px; top: -120px; }
.ng-blob--2 { width: 180px; height: 180px; right: 180px; bottom: -70px; background: rgba(255,255,255,.08); }

/* form card overlaps the band */
.ng-formcard {
  position: relative;
  z-index: 2;
  margin: -72px auto 0;
  max-width: 880px;
  background: var(--white);
  border-radius: var(--r-lg);
  box-shadow: var(--sh-lg);
  padding: 34px 36px 30px;
}
.ng-formcard__head { display: flex; align-items: center; gap: 12px; margin-bottom: 4px; }
.ng-formcard__head h2 { font-size: 1.5rem; margin: 0; }
.ng-formcard__sub { color: var(--muted); font-size: .95rem; margin: 4px 0 22px; }

.ng-form__grid { display: grid; grid-template-columns: 1fr 1fr; gap: 16px 18px; }
.ng-field { display: flex; flex-direction: column; }
.ng-field--full { grid-column: 1 / -1; }
.ng-field__label { font-weight: 700; font-size: .9rem; margin-bottom: 8px; color: var(--ink); }
.ng-field__label small { color: var(--muted); font-weight: 500; }

.ng-input {
  width: 100%;
  font-family: var(--body); font-size: 1rem; color: var(--ink);
  background: var(--cream);
  border: 2px solid transparent;
  border-radius: var(--r-sm);
  padding: 13px 16px;
  transition: border-color .15s, background .15s, box-shadow .15s;
}
.ng-input::placeholder { color: #b3a99d; }
.ng-input:focus {
  outline: none; background: #fff;
  border-color: var(--coral);
  box-shadow: 0 0 0 4px var(--coral-soft);
}
.ng-amount { display: grid; grid-template-columns: 1fr 104px; gap: 10px; }
select.ng-input {
  appearance: none; -webkit-appearance: none; cursor: pointer;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='14' height='14' viewBox='0 0 24 24' fill='none' stroke='%238A8579' stroke-width='2.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='6 9 12 15 18 9'/%3E%3C/svg%3E");
  background-repeat: no-repeat; background-position: right 12px center; padding-right: 36px;
}
select.ng-input:focus {
 background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='14' height='14' viewBox='0 0 24 24' fill='none' stroke='%238A8579' stroke-width='2.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='6 9 12 15 18 9'/%3E%3C/svg%3E");
  background-repeat: no-repeat; background-position: right 12px center; 
}
.ng-submitcell { display: flex; flex-direction: column; justify-content: flex-end; }

.ng-error { display: none; color: var(--err); font-size: .82rem; font-weight: 600; margin-top: 7px; }
.ng-field.is-error .ng-input { border-color: var(--err); box-shadow: 0 0 0 4px rgba(214,68,48,.12); }
.ng-field.is-error .ng-error { display: block; }
.ng-field.is-good .ng-input { border-color: var(--green); }

.ng-form__note {
  grid-column: 1 / -1;
  display: flex; align-items: center; gap: 9px;
  color: var(--muted); font-size: .85rem; margin-top: 2px;
}
.ng-form__note svg { color: var(--coral); flex: none; }

/* success result */
.ng-result {
  display: none;
  grid-column: 1 / -1;
  margin-top: 6px;
  background: var(--green-soft);
  border-radius: var(--r);
  padding: 20px 22px;
}
.ng-result.is-shown { display: block; animation: pop .35s ease; }
.ng-result__top { display: flex; align-items: center; gap: 11px; }
.ng-result__top svg { color: var(--green); flex: none; }
.ng-result__top h3 { margin: 0; font-size: 1.18rem; }
.ng-result p { color: var(--ink-soft); margin: 8px 0 0; font-size: .94rem; }
.ng-chips { display: flex; flex-wrap: wrap; gap: 8px; margin-top: 14px; }
.ng-chips span {
  background: #fff; border-radius: var(--pill); padding: 7px 14px;
  font-size: .85rem; font-weight: 600; color: var(--ink);
}
@keyframes pop { from { opacity: 0; transform: scale(.98) translateY(6px);} to { opacity:1; transform:none; } }

/* ---------- Stats ---------- */
.ng-section { padding: 78px 0; }
.ng-section__head { max-width: 620px; margin: 0 auto 46px; text-align: center; }
.ng-section__head h2 { font-size: clamp(1.9rem, 3.4vw, 2.6rem); margin-top: 14px; }
.ng-section__head p { color: var(--ink-soft); font-size: 1.06rem; margin: 0; }

.ng-stats { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; }
.ng-stat {
  background: var(--white); border-radius: var(--r);
  box-shadow: var(--sh-sm); padding: 28px 22px; text-align: center;
}
.ng-stat__num { font-family: var(--display); font-weight: 700; font-size: 2.4rem; color: var(--coral); line-height: 1; }
.ng-stat__num.navy { color: var(--navy); }
.ng-stat__label { color: var(--ink-soft); font-size: .92rem; margin-top: 8px; }

/* ---------- How (rounded cards) ---------- */
.ng-how { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.ng-step {
  background: var(--white); border-radius: var(--r);
  box-shadow: var(--sh-sm); padding: 30px 28px; position: relative;
}
.ng-step__badge {
  width: 56px; height: 56px; border-radius: 18px;
  display: grid; place-items: center; margin-bottom: 18px;
}
.ng-step:nth-child(1) .ng-step__badge { background: var(--coral-soft); color: var(--coral-deep); }
.ng-step:nth-child(2) .ng-step__badge { background: var(--gold-soft); color: #B8841C; }
.ng-step:nth-child(3) .ng-step__badge { background: var(--green-soft); color: var(--green); }
.ng-step__num { font-family: var(--display); font-weight: 700; color: var(--muted); font-size: .95rem; }
.ng-step h3 { font-size: 1.28rem; margin: 6px 0 8px; }
.ng-step p { color: var(--ink-soft); font-size: .96rem; margin: 0; }

/* ---------- Quote / testimonial ---------- */
.ng-quote {
  background: var(--navy);
  border-radius: var(--r-lg);
  padding: 56px;
  color: #fff;
  position: relative;
  overflow: hidden;
}
.ng-quote__mark { font-family: var(--display); font-size: 5rem; line-height: .6; color: var(--coral); }
.ng-quote blockquote {
  font-family: var(--display); font-weight: 600;
  font-size: clamp(1.4rem, 2.6vw, 2rem); line-height: 1.3;
  margin: 10px 0 22px; max-width: 24ch;
}
.ng-quote__who { color: rgba(255,255,255,.7); font-size: .95rem; }
.ng-quote .ng-blob--1 { background: rgba(240,97,60,.18); }

/* ---------- CTA ---------- */
.ng-cta {
  background: linear-gradient(135deg, var(--gold), #EFA62E);
  border-radius: var(--r-lg);
  padding: 46px 52px;
  display: flex; align-items: center; justify-content: space-between; gap: 26px; flex-wrap: wrap;
}
.ng-cta h2 { color: var(--navy); font-size: 1.8rem; margin: 0 0 6px; }
.ng-cta p { color: rgba(22,35,58,.78); margin: 0; max-width: 46ch; }

/* ---------- Footer ---------- */
.ng-foot {
  background: var(--navy);
  color: #c8d0df;
  border-radius: var(--r-lg) var(--r-lg) 0 0;
  margin-top: 24px;
  padding: 56px 0 28px;
}
.ng-foot__grid { display: grid; grid-template-columns: 1.5fr 1fr 1fr 1fr; gap: 30px; }
.ng-foot__brand .ng-brand__name { color: #fff; }
.ng-foot__brand p { color: #93a0b7; font-size: .92rem; max-width: 32ch; margin-top: 14px; }
.ng-foot h4 { font-family: var(--body); font-size: .78rem; letter-spacing: .12em; text-transform: uppercase; color: var(--gold); margin: 4px 0 14px; }
.ng-foot ul { list-style: none; margin: 0; padding: 0; }
.ng-foot li { margin-bottom: 10px; }
.ng-foot a { color: #c8d0df; font-size: .93rem; }
.ng-foot a:hover { color: #fff; }
.ng-foot__bottom {
  margin-top: 40px; padding-top: 22px; border-top: 1px solid rgba(255,255,255,.12);
  display: flex; justify-content: space-between; gap: 12px; flex-wrap: wrap;
  font-size: .85rem; color: #93a0b7;
}

/* ---------- Privacy doc ---------- */
.ng-pagehead { padding: 30px 0 0; }
.ng-pagehead__band {
  background: linear-gradient(135deg, #F4724E, var(--coral));
  border-radius: var(--r-lg); padding: 52px 56px; color: #fff;
}
.ng-pagehead__band h1 { color: #fff; font-size: clamp(2rem, 4vw, 3rem); margin: 14px 0 .2em; }
.ng-pagehead__band p { color: rgba(255,255,255,.9); margin: 0; }
.ng-doc { padding: 50px 56px 70px; }
.ng-toc { position: sticky; top: 100px; background: #fff; border-radius: var(--r); box-shadow: var(--sh-sm); padding: 22px; }
.ng-toc h4 { font-size: .74rem; letter-spacing: .12em; text-transform: uppercase; color: var(--coral-deep); margin: 0 0 12px; }
.ng-toc ol { margin: 0; padding-left: 1.1em; color: var(--ink-soft); }
.ng-toc li { margin-bottom: 9px; }
.ng-toc a { color: var(--ink-soft); font-size: .92rem; }
.ng-docbody h2 { font-size: 1.45rem; margin-top: 34px; scroll-margin-top: 100px; }
.ng-docbody h2:first-child { margin-top: 0; }
.ng-docbody p { color: var(--ink-soft); }

/* ---------- Responsive ---------- */
@media (max-width: 880px) {
  .ng-burger { display: inline-flex; }
  .ng-menu {
    position: absolute; top: 80px; left: 22px; right: 22px;
    flex-direction: column; align-items: stretch; gap: 4px;
    background: #fff; border-radius: var(--r); box-shadow: var(--sh);
    padding: 14px; display: none;
  }
  .ng-menu.is-open { display: flex; }
  .ng-menu__link { padding: 12px 10px; border-radius: var(--r-sm); }
  .ng-menu__link:hover { background: var(--cream); }
  .ng-menu__cta { margin: 6px 0 0; }
  .ng-menu__cta .ng-btn { width: 100%; }

  .ng-hero__band { padding: 46px 30px 96px; }
  .ng-formcard { padding: 28px 22px 24px; }
  .ng-form__grid { grid-template-columns: 1fr; }
  .ng-stats { grid-template-columns: repeat(2, 1fr); }
  .ng-how { grid-template-columns: 1fr; }
  .ng-quote, .ng-cta { padding: 36px 28px; }
  .ng-foot__grid { grid-template-columns: 1fr 1fr; }
  .ng-doc { padding: 50px 20px 70px; }
  .ng-toc { position: static; }
}
@media (max-width: 460px) {
  .ng-stats, .ng-foot__grid { grid-template-columns: 1fr; }
  .ng-amount { grid-template-columns: 1fr 92px; }
}

:focus-visible { outline: 3px solid var(--coral); outline-offset: 2px; border-radius: 8px; }
@media (prefers-reduced-motion: reduce) { * { animation: none !important; transition: none !important; scroll-behavior: auto !important; } }

/* ---------- Support Centre (added) ---------- */
.ng-search { position: relative; max-width: 520px; margin: 24px auto 0; }
.ng-search svg { position: absolute; left: 18px; top: 50%; transform: translateY(-50%); color: var(--muted); }
.ng-search input {
  width: 100%; font-family: var(--body); font-size: 1rem; color: var(--ink);
  border: 0; border-radius: var(--pill);
  padding: 15px 20px 15px 48px; background: #fff; box-shadow: var(--sh);
}
.ng-search input::placeholder { color: #b3a99d; }
.ng-search input:focus { outline: none; box-shadow: 0 0 0 4px rgba(255,255,255,.45), var(--sh); }

.ng-topics { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.ng-topic {
  background: #fff; border-radius: var(--r); box-shadow: var(--sh-sm);
  padding: 28px 26px; display: block; color: var(--ink);
  transition: transform .16s ease, box-shadow .22s ease;
}
.ng-topic:hover { transform: translateY(-4px); box-shadow: var(--sh); color: var(--ink); }
.ng-topic__icon { width: 52px; height: 52px; border-radius: 16px; display: grid; place-items: center; margin-bottom: 16px; }
.ng-topic h3 { font-size: 1.16rem; margin: 0 0 6px; }
.ng-topic p { color: var(--ink-soft); font-size: .93rem; margin: 0; }
.ng-topic__more { color: var(--coral-deep); font-weight: 700; font-size: .9rem; margin-top: 14px; display: inline-flex; align-items: center; gap: 6px; }
.tone-coral .ng-topic__icon { background: var(--coral-soft); color: var(--coral-deep); }
.tone-gold  .ng-topic__icon { background: var(--gold-soft); color: #B8841C; }
.tone-green .ng-topic__icon { background: var(--green-soft); color: var(--green); }
.tone-navy  .ng-topic__icon { background: #E5E9F0; color: var(--navy); }
.tone-coral2 .ng-topic__icon { background: #FBE0E6; color: #C23B5C; }
.tone-sky   .ng-topic__icon { background: #DEEBFB; color: #2C6FBF; }

.ng-faq { max-width: 800px; margin-inline: auto; }
.ng-faq details {
  background: #fff; border-radius: var(--r-sm); box-shadow: var(--sh-sm);
  padding: 4px 22px; margin-bottom: 12px;
}
.ng-faq summary {
  cursor: pointer; list-style: none; padding: 16px 0; font-weight: 700;
  display: flex; justify-content: space-between; align-items: center; gap: 14px;
}
.ng-faq summary::-webkit-details-marker { display: none; }
.ng-faq summary::after { content: "+"; font-family: var(--display); color: var(--coral); font-size: 1.5rem; line-height: 1; transition: transform .2s ease; }
.ng-faq details[open] summary::after { transform: rotate(45deg); }
.ng-faq p { color: var(--ink-soft); margin: 0 0 16px; }
.ng-faq__empty { display: none; text-align: center; color: var(--muted); padding: 20px; }

.ng-contact { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.ng-contact__card { background: #fff; border-radius: var(--r); box-shadow: var(--sh-sm); padding: 30px 26px; text-align: center; }
.ng-contact__icon { width: 56px; height: 56px; border-radius: 50%; display: grid; place-items: center; margin: 0 auto 16px; background: var(--coral-soft); color: var(--coral-deep); }
.ng-contact h3 { font-size: 1.12rem; margin: 0 0 4px; }
.ng-contact p { color: var(--ink-soft); font-size: .92rem; margin: 0 0 12px; }

@media (max-width: 880px) {
  .ng-topics, .ng-contact { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 560px) {
  .ng-topics, .ng-contact { grid-template-columns: 1fr; }
}