/* ==========================================================================
   Cautio: refreshed home page sections, newsletter and footer.
   Loaded after style.css on pages with $page['refresh'] (body.refresh).
   Uses the site's existing colour tokens and Poppins.
   ========================================================================== */

/* Header: a solid navy contact button instead of the grey "disabled" look */
.refresh .header-cta { background: var(--navy); color: var(--white); }
.refresh .header-cta:hover { background: var(--blue-900); }

.rf-icon { width: 24px; height: 24px; flex: none; }
.btn .rf-icon { width: 20px; height: 20px; }

/* Shared section heading spacing */
.rf-free .h-md, .rf-services .h-md, .rf-why .h-md { margin-top: 6px; }

/* Start free ------------------------------------------------------------- */
.rf-free { background: var(--cream); padding-block: 64px 72px; }
.rf-free-grid { margin-top: 32px; display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 24px; }
.rf-free-card {
    position: relative;
    display: flex;
    flex-direction: column;
    align-items: flex-start;
    gap: 12px;
    padding: 28px 28px 30px;
    background: var(--white);
    border-radius: 16px;
    box-shadow: 0 18px 40px -28px rgba(13, 27, 43, .45);
}
.rf-free-card h3 { font-size: 21px; line-height: 1.3; font-weight: 700; color: var(--ink); }
.rf-free-card p { color: var(--blue-900); flex: 1; }
.rf-free-card .btn { margin-top: 6px; }
.rf-free-icon {
    display: inline-flex; align-items: center; justify-content: center;
    width: 48px; height: 48px; border-radius: 12px;
    background: #fdeee4; color: #c4541a;
}
.rf-badge {
    font-size: 12px; font-weight: 700; letter-spacing: .04em; text-transform: uppercase;
    color: #a8470f;
}

/* What we do -------------------------------------------------------------- */
.rf-services { background: var(--white); padding-block: 72px 88px; }
.rf-intro { margin-top: 14px; max-width: 640px; font-size: 18px; line-height: 1.45; font-weight: 300; color: var(--slate); }
.rf-service-grid { margin-top: 40px; display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 22px; }
.rf-service {
    display: flex;
    flex-direction: column;
    padding: 26px 24px 26px;
    border: 0;
    border-radius: 16px;
    background: var(--cream);
    transition: transform .2s ease, box-shadow .2s ease, border-color .2s ease;
}
.rf-service:hover { transform: translateY(-2px); box-shadow: 0 20px 40px -30px rgba(13, 27, 43, .5); }
.rf-service-icon {
    display: inline-flex; align-items: center; justify-content: center;
    width: 46px; height: 46px; border-radius: 12px;
    background: #e8f1f8; color: var(--blue-600);
}
.rf-tag { margin-top: 18px; font-size: 12px; font-weight: 700; letter-spacing: .05em; text-transform: uppercase; color: var(--slate); }
.rf-tag--hot { color: #a8470f; }
.rf-service h3 { margin-top: 4px; font-size: 19px; line-height: 1.3; font-weight: 700; color: var(--ink); }
.rf-service p:not(.rf-tag) { margin-top: 10px; color: var(--blue-900); font-size: 15px; line-height: 1.55; flex: 1; }
.rf-link { margin-top: 18px; font-weight: 700; color: var(--blue-600); text-decoration: none; }
.rf-link:hover { text-decoration: underline; text-underline-offset: 3px; }
.rf-service--accent { border: 2px solid var(--orange); background: var(--white); }
.rf-service--accent .rf-service-icon { background: #fdeee4; color: #c4541a; }
.rf-service--dark { background: var(--navy); border-color: var(--navy); }
.rf-service--dark .rf-service-icon { background: rgba(255, 255, 255, .1); color: var(--cream); }
.rf-service--dark .rf-tag { color: var(--slate-300); }
.rf-service--dark h3 { color: var(--white); }
.rf-service--dark p:not(.rf-tag) { color: #cbd5e1; }
.rf-service--dark .btn { margin-top: 18px; align-self: flex-start; min-height: 48px; padding: 12px 24px; }

/* About ------------------------------------------------------------------- */
.rf-about { padding-block: 72px 80px; }
.rf-about-grid { display: grid; grid-template-columns: minmax(0, 1.1fr) minmax(0, 1fr); gap: 48px; align-items: center; }
.rf-cert-list { margin-top: 28px; max-width: none; gap: 10px 8px; }
.rf-stats { margin-top: 0; gap: 18px; }
.rf-stats .stat { min-height: 150px; background: #1c2b3d; border: 0; }
.rf-stat-icon { display: flex; align-items: center; justify-content: center; color: var(--cream); }
.rf-stat-icon .rf-icon { width: 52px; height: 52px; stroke-width: 1.4; }

/* Why Cautio --------------------------------------------------------------- */
.rf-why { background: var(--cream); padding-block: 72px 88px; }
.rf-why-grid { margin-top: 36px; display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 22px; }
.rf-why-card {
    display: grid;
    grid-template-columns: auto 1fr;
    column-gap: 18px;
    padding: 26px 26px 28px;
    background: var(--white);
    border-radius: 16px;
    box-shadow: 0 18px 40px -32px rgba(13, 27, 43, .5);
}
.rf-why-icon {
    grid-row: span 2;
    display: inline-flex; align-items: center; justify-content: center;
    width: 48px; height: 48px; border-radius: 50%;
    background: var(--orange); color: var(--white);
}
.rf-why-card h3 { font-size: 18px; line-height: 1.3; font-weight: 700; color: var(--ink); }
.rf-why-card p { margin-top: 8px; color: var(--blue-900); font-size: 15px; line-height: 1.55; }

/* Call to action ------------------------------------------------------------ */
.rf-cta {
    background: radial-gradient(circle at 85% 0%, rgba(244, 116, 50, .22), transparent 45%), linear-gradient(135deg, var(--navy) 0%, var(--blue-900) 100%);
    color: var(--white);
    padding-block: 88px 80px;
}
.rf-cta .cta-lead { color: #cbd5e1; }
.rf-cta .btn-row { margin-top: 32px; }

/* Newsletter ---------------------------------------------------------------- */
.rf-subscribe { background: var(--blue-700); color: var(--cream); padding-block: 56px; }
.rf-subscribe-inner { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: 32px; align-items: center; }
.rf-subscribe .subscribe-title { font-size: clamp(24px, 3vw, 30px); line-height: 1.3; }
.rf-subscribe .subscribe-sub { margin-top: 8px; color: #dbe7f0; }
.rf-subscribe-form { max-width: none; margin: 0; display: flex; gap: 10px; }
.rf-subscribe-form input[type="email"] { flex: 1; min-width: 0; min-height: 56px; border: 0; border-radius: 999px; padding: 0 22px; font: inherit; font-size: 16px; color: var(--text); background: var(--white); }
.rf-subscribe-form .btn { margin: 0; flex: none; }
.rf-subscribe .form-alert { margin: 0 0 12px; max-width: none; }

/* Footer -------------------------------------------------------------------- */
.rf-footer { padding-top: 56px; }
.rf-footer-grid { display: grid; grid-template-columns: minmax(0, 1.4fr) repeat(3, minmax(0, 1fr)); gap: 32px; }
.rf-footer-brand p { margin-top: 14px; color: var(--slate-300); font-size: 14px; line-height: 1.6; max-width: 300px; }
.rf-footer-brand a { color: var(--cream); }
.rf-footer-h { font-size: 13px; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; color: var(--white); }
.rf-footer-col ul { list-style: none; margin: 14px 0 0; padding: 0; display: grid; gap: 10px; }
.rf-footer-col a { color: var(--slate-300); font-size: 14px; text-decoration: none; }
.rf-footer-col a:hover, .rf-footer-brand a:hover { color: var(--white); text-decoration: underline; text-underline-offset: 3px; }
.rf-footer-base { margin-top: 44px; padding-block: 20px 24px; border-top: 1px solid rgba(255, 255, 255, .1); }
.rf-footer-base p { font-size: 13px; color: var(--slate-300); }

/* Responsive ------------------------------------------------------------------ */
@media (max-width: 980px) {
    .rf-service-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
    .rf-about-grid { grid-template-columns: 1fr; gap: 36px; }
    .rf-footer-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
}
@media (max-width: 760px) {
    .rf-free-grid, .rf-why-grid, .rf-subscribe-inner { grid-template-columns: 1fr; }
    .rf-free, .rf-services, .rf-why, .rf-about { padding-block: 48px 56px; }
    .rf-cta { padding-block: 64px 56px; }
}
@media (max-width: 600px) {
    .rf-service-grid { grid-template-columns: 1fr; }
    .rf-subscribe-form { flex-direction: column; }
    .rf-subscribe-form .btn { width: 100%; }
    .rf-footer-grid { grid-template-columns: 1fr; gap: 26px; }
    .rf-why-card { grid-template-columns: 1fr; row-gap: 12px; }
    .rf-why-icon { grid-row: auto; }
}
@media (prefers-reduced-motion: reduce) {
    .rf-service, .rf-service:hover { transition: none; transform: none; }
}

/* No tinted outlines on boxes (user's design rule, 2026-11-13): solid fills instead.
   Policy development and risk assessment pages. Meaningful borders stay (featured price card). */
.pd-included .tier { background: #1c2b3d; border: 0; }
.price-card:not(.price-card--featured) { border: 0; }
.faq details { border: 0; background: var(--cream); }