/* ================================================================
   RESET & BASE
   ================================================================ */
*, *::before, *::after {
    box-sizing: border-box;
    margin: 0;
    padding: 0;
}

:root {
    --navy:        #1e4fa3;
    --navy-light:  #2f6fe0;
    --navy-dark:   #6e0a1e;
    --gold:        #b8860b;
    --gold-light:  #d4a017;
    --white:       #ffffff;
    --off-white:   #f6f8fc;
    --light-grey:  #eef1f6;
    --border:      #dde2eb;
    --text-dark:   #1f0d10;
    --text-mid:    #4d3438;
    --text-muted:  #7c6266;
    --text-light:  #b09aa0;
    --shadow-sm:   0 1px 4px rgba(110,10,30,0.09);
    --shadow-md:   0 4px 20px rgba(110,10,30,0.14);
    --shadow-lg:   0 10px 40px rgba(110,10,30,0.20);
    --radius:      6px;
    --radius-lg:   12px;
    --radius-xl:   18px;
}

html { scroll-behavior: smooth; }

body {
    font-family: 'Poppins', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
    color: var(--text-dark);
    background: #fff;
    line-height: 1.6;
    -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; height: auto; display: block; }
a { text-decoration: none; color: inherit; }
ul { list-style: none; }

.container {
    max-width: 1240px;
    margin: 0 auto;
    padding: 0 28px;
}

/* Shared typography */
.sec-label {
    display: inline-block;
    font-size: 0.7rem;
    font-weight: 700;
    letter-spacing: 2px;
    text-transform: uppercase;
    color: var(--gold);
    margin-bottom: 12px;
}
.sec-title {
    font-size: 2rem;
    font-weight: 800;
    color: var(--navy);
    line-height: 1.2;
    margin-bottom: 12px;
}
.sec-sub {
    font-size: 1rem;
    color: var(--text-muted);
    line-height: 1.7;
    max-width: 540px;
}

/* Shared buttons */
.btn {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 13px 26px;
    border-radius: var(--radius);
    font-weight: 600;
    font-size: 0.9rem;
    letter-spacing: 0.3px;
    cursor: pointer;
    border: none;
    transition: all 0.2s;
    white-space: nowrap;
}
.btn-navy   { background: var(--navy);  color: #fff; }
.btn-navy:hover { background: var(--navy-light); }
.btn-gold   { background: var(--gold);  color: #fff; }
.btn-gold:hover { background: var(--gold-light); }
.btn-ghost  { background: transparent; color: #fff; border: 1.5px solid rgba(255,255,255,0.65); }
.btn-ghost:hover { background: rgba(255,255,255,0.12); border-color: #fff; }

/* ================================================================
   TOP UTILITY BAR
   ================================================================ */
.zx-topbar {
    background: var(--navy-dark);
    padding: 7px 0;
    font-size: 0.775rem;
    color: rgba(255,255,255,0.72);
}
.zx-topbar .container {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 16px;
}
.zx-topbar-left {
    display: flex;
    align-items: center;
    gap: 20px;
}
.zx-topbar-item {
    display: flex;
    align-items: center;
    gap: 6px;
}
.zx-topbar-item svg {
    width: 13px;
    height: 13px;
    opacity: 0.6;
    flex-shrink: 0;
}
.zx-routing-pill {
    background: rgba(255,255,255,0.09);
    border-radius: 4px;
    padding: 2px 10px;
    font-weight: 600;
    color: rgba(255,255,255,0.9);
    font-size: 0.75rem;
}
.zx-routing-pill strong { color: #fff; }
.zx-topbar a { color: rgba(255,255,255,0.72); transition: color 0.2s; }
.zx-topbar a:hover { color: #fff; }
.zx-topbar-divider { width: 1px; height: 12px; background: rgba(255,255,255,0.15); }
.gtranslate_wrapper { display: inline-flex; align-items: center; }
.gtranslate_wrapper .notranslate { color: rgba(255,255,255,0.8) !important; font-size: 0.775rem !important; }

/* ================================================================
   MAIN NAVBAR
   ================================================================ */
.zx-navbar {
    background: #fff;
    border-bottom: 1px solid var(--border);
    position: sticky;
    top: 0;
    z-index: 900;
    transition: box-shadow 0.3s;
}
.zx-navbar.zx-scrolled {
    box-shadow: var(--shadow-md);
}
.zx-navbar .container {
    display: flex;
    align-items: center;
    height: 70px;
    gap: 24px;
}
.zx-logo { flex-shrink: 0; display: flex; align-items: center; }
.zx-logo img { height: 42px; width: auto; }

/* Nav Links */
.zx-nav {
    display: flex;
    align-items: center;
    gap: 2px;
    flex: 1;
}
.zx-nav-item { position: relative; }
.zx-nav-link {
    display: flex;
    align-items: center;
    gap: 4px;
    padding: 8px 13px;
    font-size: 0.86rem;
    font-weight: 500;
    color: var(--text-dark);
    border-radius: var(--radius);
    transition: color 0.2s, background 0.2s;
    white-space: nowrap;
}
.zx-nav-link:hover { color: var(--navy); background: var(--off-white); }
.zx-nav-link svg {
    width: 11px;
    height: 11px;
    transition: transform 0.2s;
    color: var(--text-muted);
}
.zx-nav-item:hover .zx-nav-link svg { transform: rotate(180deg); }
.zx-nav-item:hover .zx-nav-link { color: var(--navy); background: var(--off-white); }

/* Dropdown */
.zx-dropdown {
    display: none;
    position: absolute;
    top: calc(100% + 10px);
    left: 0;
    background: #fff;
    border: 1px solid var(--border);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-lg);
    min-width: 580px;
    padding: 24px 28px;
    z-index: 200;
    gap: 32px;
}
.zx-nav-item:hover .zx-dropdown { display: flex; }

/* Dropdown: right-side promo */
.zx-dropdown.right-side { left: auto; right: 0; }

.zx-dd-links { flex: 1; min-width: 0; }
.zx-dd-label {
    font-size: 0.65rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 1.5px;
    color: var(--text-light);
    margin-bottom: 10px;
}
.zx-dd-links ul { display: flex; flex-direction: column; gap: 2px; }
.zx-dd-links li a {
    display: block;
    padding: 7px 10px;
    font-size: 0.86rem;
    color: var(--text-mid);
    border-radius: 5px;
    transition: color 0.2s, background 0.2s;
}
.zx-dd-links li a:hover { color: var(--navy); background: var(--off-white); }

.zx-dd-promo {
    width: 196px;
    flex-shrink: 0;
    background: var(--off-white);
    border-radius: var(--radius);
    padding: 18px;
    display: flex;
    flex-direction: column;
    gap: 10px;
}
.zx-dd-promo-title {
    font-size: 0.875rem;
    font-weight: 700;
    color: var(--navy);
    line-height: 1.3;
}
.zx-dd-promo-text {
    font-size: 0.78rem;
    color: var(--text-muted);
    line-height: 1.5;
}
.zx-dd-promo-cta {
    display: block;
    background: var(--navy);
    color: #fff;
    padding: 8px 12px;
    border-radius: 4px;
    font-size: 0.775rem;
    font-weight: 600;
    text-align: center;
    transition: background 0.2s;
}
.zx-dd-promo-cta:hover { background: var(--navy-light); color: #fff; }

/* Nav Action Buttons */
.zx-nav-actions {
    display: flex;
    align-items: center;
    gap: 8px;
    flex-shrink: 0;
}
.zx-btn-login {
    padding: 9px 20px;
    font-size: 0.86rem;
    font-weight: 600;
    color: var(--navy);
    background: transparent;
    border: 1.5px solid var(--navy);
    border-radius: var(--radius);
    cursor: pointer;
    transition: all 0.2s;
    white-space: nowrap;
}
.zx-btn-login:hover { background: var(--navy); color: #fff; }
.zx-btn-open {
    padding: 9px 20px;
    font-size: 0.86rem;
    font-weight: 600;
    color: #fff;
    background: var(--gold);
    border: none;
    border-radius: var(--radius);
    cursor: pointer;
    transition: background 0.2s;
    white-space: nowrap;
}
.zx-btn-open:hover { background: var(--gold-light); }

/* Mobile Toggle */
.zx-hamburger {
    display: none;
    flex-direction: column;
    justify-content: center;
    gap: 5px;
    background: none;
    border: none;
    cursor: pointer;
    padding: 8px;
    margin-left: auto;
}
.zx-hamburger span {
    display: block;
    width: 22px;
    height: 2px;
    background: var(--navy);
    border-radius: 2px;
    transition: all 0.25s;
}

/* Mobile Menu */
.zx-mobile-menu {
    display: none;
    position: fixed;
    inset: 0;
    background: #fff;
    z-index: 1000;
    overflow-y: auto;
    padding: 0 0 40px;
}
.zx-mobile-menu.open { display: block; }
.zx-mobile-head {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 18px 24px;
    border-bottom: 1px solid var(--border);
}
.zx-mobile-head img { height: 36px; }
.zx-mobile-close {
    background: none;
    border: none;
    font-size: 26px;
    cursor: pointer;
    color: var(--navy);
    line-height: 1;
}
.zx-mobile-nav { padding: 12px 24px; }
.zx-mobile-nav a {
    display: block;
    font-size: 1.05rem;
    font-weight: 600;
    color: var(--text-dark);
    border-bottom: 1px solid var(--border);
}
.zx-mobile-nav a:last-child { border-bottom: none; }
.zx-mobile-ctas {
    padding: 24px 24px 0;
    display: flex;
    flex-direction: column;
    gap: 12px;
}
.zx-mobile-ctas a {
    display: block;
    text-align: center;
    padding: 14px;
    border-radius: var(--radius);
    font-weight: 600;
    font-size: 1rem;
}
.mob-login { border: 1.5px solid var(--navy); color: var(--navy) !important; }
.mob-open  { background: var(--gold); color: #fff !important; }

/* ================================================================
   HERO (homepage)
   ================================================================ */
.zx-hero {
    position: relative;
    height: 620px;
    display: flex;
    align-items: center;
    overflow: hidden;
}
.zx-hero-bg {
    position: absolute;
    inset: 0;
    background-size: cover;
    background-position: center 38%;
}
.zx-hero-overlay {
    position: absolute;
    inset: 0;
    background: linear-gradient(110deg,
        rgba(110,10,30,0.90) 0%,
        rgba(200,16,46,0.72) 50%,
        rgba(200,16,46,0.25) 100%
    );
}
.zx-hero-content {
    position: relative;
    z-index: 2;
    max-width: 560px;
}
.zx-hero-eyebrow {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    font-size: 0.72rem;
    font-weight: 700;
    letter-spacing: 1.8px;
    text-transform: uppercase;
    color: #d4b54a;
    margin-bottom: 20px;
}
.zx-hero-eyebrow::before {
    content: '';
    display: block;
    width: 24px;
    height: 2px;
    background: #d4b54a;
    border-radius: 2px;
}
.zx-hero-title {
    font-size: 3.2rem;
    font-weight: 800;
    color: #fff;
    line-height: 1.1;
    margin-bottom: 20px;
}
.zx-hero-sub {
    font-size: 1.05rem;
    color: rgba(255,255,255,0.82);
    line-height: 1.75;
    margin-bottom: 36px;
}
.zx-hero-btns { display: flex; gap: 14px; flex-wrap: wrap; }

/* ================================================================
   HERO V2 (light text block + separate full-bleed photo)
   ================================================================ */
.zx-hero-v2 { padding: 64px 0 44px; background: var(--off-white); text-align: center; }
.zx-hero-v2 .container { max-width: 680px; }
.zx-hero-v2-eyebrow {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    font-size: 0.75rem;
    font-weight: 700;
    letter-spacing: 1.6px;
    text-transform: uppercase;
    color: var(--gold);
    margin-bottom: 22px;
}
.zx-hero-v2-eyebrow::before,
.zx-hero-v2-eyebrow::after {
    content: '';
    width: 22px;
    height: 2px;
    background: var(--gold);
    border-radius: 2px;
}
.zx-hero-v2-title {
    font-size: 2.75rem;
    font-weight: 800;
    color: var(--text-dark);
    line-height: 1.15;
    margin-bottom: 18px;
}
.zx-hero-v2-sub {
    font-size: 1.05rem;
    color: var(--text-muted);
    line-height: 1.7;
    margin: 0 auto 34px;
    max-width: 560px;
}
.zx-hero-v2-btns { display: flex; gap: 14px; justify-content: center; flex-wrap: wrap; }
.btn-pill { border-radius: 999px; padding: 14px 32px; }
.btn-outline-navy { background: transparent; color: var(--navy); border: 1.5px solid var(--navy); }
.btn-outline-navy:hover { background: var(--navy); color: #fff; }

.zx-hero-photo { width: 100%; overflow: hidden; background: var(--off-white); }
.zx-hero-photo img { width: 100%; height: 480px; object-fit: cover; display: block; }

@media (max-width: 768px) {
    .zx-hero-v2 { padding: 48px 0 36px; }
    .zx-hero-v2-title { font-size: 1.9rem; }
    .zx-hero-photo img { height: 280px; }
}

/* ================================================================
   INNER HERO (interior pages)
   ================================================================ */
.zx-inner-hero {
    position: relative;
    height: 340px;
    display: flex;
    align-items: center;
    overflow: hidden;
}
.zx-inner-hero-bg { position: absolute; inset: 0; background-size: cover; background-position: center; }
.zx-inner-hero-overlay {
    position: absolute;
    inset: 0;
    background: linear-gradient(110deg,
        rgba(110,10,30,0.92) 0%,
        rgba(200,16,46,0.78) 55%,
        rgba(200,16,46,0.35) 100%
    );
}
.zx-inner-hero-content { position: relative; z-index: 2; max-width: 640px; }
.zx-inner-hero-crumb { font-size: 0.8rem; color: rgba(255,255,255,0.7); margin-bottom: 14px; display: flex; align-items: center; gap: 6px; }
.zx-inner-hero-crumb a { color: rgba(255,255,255,0.85); }
.zx-inner-hero-crumb a:hover { color: #fff; text-decoration: underline; }
.zx-inner-hero-title { font-size: 2.6rem; font-weight: 800; color: #fff; line-height: 1.15; margin-bottom: 14px; }
.zx-inner-hero-sub { font-size: 1rem; color: rgba(255,255,255,0.85); line-height: 1.7; max-width: 560px; }
@media (max-width: 768px) {
    .zx-inner-hero { height: 280px; }
    .zx-inner-hero-title { font-size: 1.9rem; }
}

/* ================================================================
   INFO STRIP
   ================================================================ */
.zx-strip {
    background: var(--navy);
    padding: 16px 0;
}
.zx-strip .container {
    display: flex;
    align-items: center;
    gap: 40px;
    flex-wrap: wrap;
}
.zx-strip-item {
    display: flex;
    align-items: center;
    gap: 12px;
}
.zx-strip-ico {
    width: 36px;
    height: 36px;
    background: rgba(255,255,255,0.1);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
}
.zx-strip-ico img {
    width: 18px;
    height: 18px;
    filter: brightness(0) invert(1);
}
.zx-strip-label {
    font-size: 0.68rem;
    text-transform: uppercase;
    letter-spacing: 0.8px;
    color: rgba(255,255,255,0.5);
}
.zx-strip-val {
    font-size: 0.875rem;
    font-weight: 600;
    color: #fff;
}
.zx-strip-val a { color: #fff; transition: color 0.2s; }
.zx-strip-val a:hover { color: var(--gold-light); }

/* ================================================================
   RATES
   ================================================================ */
.zx-rates { background: var(--off-white); padding: 72px 0; }
.zx-rates-hd { text-align: center; margin-bottom: 44px; }
.zx-rates-tabs {
    display: flex;
    justify-content: center;
    gap: 10px;
    margin-bottom: 36px;
    flex-wrap: wrap;
}
.zx-rtab {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 7px;
    padding: 13px 22px;
    border: 1.5px solid var(--border);
    border-radius: var(--radius-lg);
    background: #fff;
    cursor: pointer;
    transition: all 0.2s;
    min-width: 108px;
    font-size: 0;
}
.zx-rtab img { width: 30px; height: 30px; transition: filter 0.2s; }
.zx-rtab span { font-size: 0.77rem; font-weight: 600; color: var(--text-muted); transition: color 0.2s; }
.zx-rtab:hover, .zx-rtab.active {
    border-color: var(--navy);
    background: var(--navy);
}
.zx-rtab:hover span, .zx-rtab.active span { color: #fff; }
.zx-rtab:hover img, .zx-rtab.active img { filter: brightness(0) invert(1); }

.zx-rates-panel { display: none; }
.zx-rates-panel.active { display: grid; }
.zx-rates-grid {
    grid-template-columns: repeat(4, 1fr);
    gap: 16px;
}
.zx-rcard {
    background: #fff;
    border: 1px solid var(--border);
    border-radius: var(--radius-lg);
    padding: 26px 22px;
    text-align: center;
    transition: transform 0.2s, box-shadow 0.2s;
}
.zx-rcard:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); }
.zx-rcard-pre {
    font-size: 0.62rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 1px;
    color: var(--text-light);
    margin-bottom: 8px;
}
.zx-rcard-amt {
    font-size: 2.1rem;
    font-weight: 800;
    color: var(--navy);
    line-height: 1;
}
.zx-rcard-unit {
    font-size: 0.9rem;
    font-weight: 700;
    color: var(--gold);
    margin-left: 2px;
}
.zx-rcard-desc {
    font-size: 0.8rem;
    color: var(--text-muted);
    margin-top: 10px;
    line-height: 1.4;
}
.zx-rcard-type {
    font-size: 0.68rem;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.5px;
    color: var(--text-light);
    margin-top: 14px;
    padding-top: 14px;
    border-top: 1px solid var(--border);
}

/* ================================================================
   SERVICES
   ================================================================ */
.zx-services { padding: 80px 0; background: #fff; }
.zx-services-hd { text-align: center; margin-bottom: 52px; }
.zx-services-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 20px;
}
.zx-scard {
    display: flex;
    align-items: flex-start;
    gap: 18px;
    padding: 28px 24px;
    border: 1px solid var(--border);
    border-radius: var(--radius-lg);
    transition: all 0.22s;
    cursor: pointer;
}
.zx-scard:hover {
    border-color: var(--navy);
    box-shadow: var(--shadow-md);
    transform: translateY(-3px);
}
.zx-scard-ico { width: 56px; height: 56px; flex-shrink: 0; }
.zx-scard-ico img { width: 56px; height: 56px; }
.zx-scard-ico svg { width: 56px; height: 56px; color: var(--navy); }
.zx-scard-title {
    font-size: 0.975rem;
    font-weight: 700;
    color: var(--navy);
    margin-bottom: 7px;
    display: flex;
    align-items: center;
    justify-content: space-between;
}
.zx-scard-title::after {
    content: '→';
    font-size: 0.85rem;
    color: var(--text-light);
    transition: color 0.2s, transform 0.2s;
}
.zx-scard:hover .zx-scard-title::after { color: var(--navy); transform: translateX(3px); }
.zx-scard-desc { font-size: 0.84rem; color: var(--text-muted); line-height: 1.55; }

/* ================================================================
   PROMO / FEATURE (single band)
   ================================================================ */
.zx-promo {
    display: grid;
    grid-template-columns: 1fr 1fr;
    min-height: 440px;
}
.zx-promo-img { position: relative; overflow: hidden; }
.zx-promo-img img { width: 100%; height: 100%; object-fit: cover; }
.zx-promo-body {
    background: var(--navy);
    display: flex;
    flex-direction: column;
    justify-content: center;
    padding: 64px 60px;
}
.zx-promo-eyebrow {
    font-size: 0.68rem;
    font-weight: 700;
    letter-spacing: 2px;
    text-transform: uppercase;
    color: var(--gold-light);
    margin-bottom: 16px;
}
.zx-promo-title {
    font-size: 2.1rem;
    font-weight: 800;
    color: #fff;
    line-height: 1.2;
    margin-bottom: 16px;
}
.zx-promo-text {
    font-size: 0.97rem;
    color: rgba(255,255,255,0.73);
    line-height: 1.75;
    margin-bottom: 32px;
}

/* ================================================================
   FEATURE ROWS (alternating image / text — product pages)
   ================================================================ */
.zx-feature { padding: 76px 0; }
.zx-feature.alt { background: var(--off-white); }
.zx-feature .container { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: center; }
.zx-feature.reverse .zx-feature-img { order: 2; }
.zx-feature-img { border-radius: var(--radius-xl); overflow: hidden; box-shadow: var(--shadow-lg); }
.zx-feature-img img { width: 100%; height: 380px; object-fit: cover; }
.zx-feature-eyebrow { font-size: 0.68rem; font-weight: 700; letter-spacing: 2px; text-transform: uppercase; color: var(--gold); margin-bottom: 14px; }
.zx-feature-title { font-size: 1.7rem; font-weight: 800; color: var(--navy); line-height: 1.25; margin-bottom: 14px; }
.zx-feature-text { font-size: 0.95rem; color: var(--text-muted); line-height: 1.75; margin-bottom: 22px; }
.zx-feature-list { display: flex; flex-direction: column; gap: 12px; margin-bottom: 26px; }
.zx-feature-list li { display: flex; align-items: flex-start; gap: 10px; font-size: 0.92rem; color: var(--text-mid); }
.zx-feature-list svg { width: 18px; height: 18px; flex-shrink: 0; color: var(--navy); margin-top: 2px; }
@media (max-width: 860px) {
    .zx-feature .container { grid-template-columns: 1fr; }
    .zx-feature.reverse .zx-feature-img { order: 0; }
    .zx-feature-img img { height: 260px; }
}

/* ================================================================
   CD RATE PROMO CARD
   ================================================================ */
.zx-cdpromo { padding: 48px 0 64px; background: #fff; }
.zx-cdpromo-inner { max-width: 480px; margin: 0 auto; }
.zx-cdpromo-img {
    border-radius: var(--radius-xl);
    overflow: hidden;
    margin-bottom: 28px;
    box-shadow: var(--shadow-md);
}
.zx-cdpromo-img img { width: 100%; height: 320px; object-fit: cover; display: block; }
.zx-cdpromo-eyebrow {
    font-size: 0.68rem;
    font-weight: 700;
    letter-spacing: 2px;
    text-transform: uppercase;
    color: var(--navy);
    margin-bottom: 12px;
}
.zx-cdpromo-title {
    font-size: 1.5rem;
    font-weight: 800;
    color: var(--text-dark);
    line-height: 1.3;
    margin-bottom: 14px;
}
.zx-cdpromo-title strong { color: var(--navy); }
.zx-cdpromo-text {
    font-size: 0.95rem;
    color: var(--text-muted);
    line-height: 1.7;
    margin-bottom: 26px;
}
.zx-cdpromo-btn { display: block; width: 100%; text-align: center; border-radius: var(--radius); }
@media (min-width: 640px) {
    .zx-cdpromo-btn { display: inline-flex; width: auto; }
}

/* ================================================================
   PRODUCTS TABS (Personal / Business)
   ================================================================ */
.zx-ptabs { padding: 80px 0; background: var(--off-white); }
.zx-ptabs-switch {
    display: inline-flex;
    background: #fff;
    border: 1px solid var(--border);
    border-radius: 999px;
    padding: 4px;
    margin-bottom: 40px;
}
.zx-ptabs-switch button {
    border: none;
    background: none;
    cursor: pointer;
    padding: 10px 26px;
    border-radius: 999px;
    font-family: inherit;
    font-size: 0.9rem;
    font-weight: 700;
    color: var(--text-muted);
    transition: all 0.2s;
}
.zx-ptabs-switch button.active { background: var(--navy); color: #fff; }
.zx-ptabs-panel { display: none; }
.zx-ptabs-panel.active { display: block; }
.zx-ptabs-head {
    font-size: 1.4rem;
    font-weight: 800;
    color: var(--navy);
    margin-bottom: 8px;
}
.zx-ptabs-sub {
    font-size: 0.92rem;
    color: var(--text-muted);
    margin-bottom: 30px;
    max-width: 560px;
}
.zx-ptabs-cta { margin-bottom: 36px; }
.zx-pcircles {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 24px;
}
.zx-pcircle {
    display: flex;
    flex-direction: column;
    align-items: center;
    text-align: center;
    gap: 12px;
    text-decoration: none;
}
.zx-pcircle-ico {
    width: 76px;
    height: 76px;
    border-radius: 50%;
    background: var(--gold);
    display: flex;
    align-items: center;
    justify-content: center;
    transition: transform 0.2s, background 0.2s;
}
.zx-pcircle-ico svg { width: 32px; height: 32px; stroke: var(--navy); color: var(--navy); }
.zx-pcircle:hover .zx-pcircle-ico { transform: translateY(-4px); background: var(--gold-light); }
.zx-pcircle-ico.more { background: var(--navy); }
.zx-pcircle-ico.more svg { stroke: #fff; }
.zx-pcircle-lbl { font-size: 0.86rem; font-weight: 700; color: var(--text-dark); }
@media (max-width: 700px) {
    .zx-pcircles { grid-template-columns: repeat(2, 1fr); gap: 28px 16px; }
}

/* ================================================================
   STATS
   ================================================================ */
.zx-stats { padding: 80px 0; background: var(--off-white); }
.zx-stats.on-white { background: #fff; }
.zx-stats .container {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 64px;
    align-items: center;
}
.zx-stats-img {
    border-radius: var(--radius-xl);
    overflow: hidden;
    box-shadow: var(--shadow-lg);
}
.zx-stats-img img { width: 100%; height: 420px; object-fit: cover; }
.zx-stats-title {
    font-size: 2rem;
    font-weight: 800;
    color: var(--navy);
    line-height: 1.2;
    margin-bottom: 16px;
}
.zx-stats-text {
    font-size: 0.95rem;
    color: var(--text-muted);
    line-height: 1.75;
    margin-bottom: 36px;
}
.zx-stats-nums {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 20px;
}
.zx-stat {
    background: #fff;
    border: 1px solid var(--border);
    border-radius: var(--radius);
    padding: 22px 20px;
}
.zx-stat-num {
    font-size: 2rem;
    font-weight: 800;
    color: var(--navy);
    line-height: 1;
}
.zx-stat-sfx { font-size: 1.1rem; color: var(--gold); }
.zx-stat-lbl { font-size: 0.8rem; color: var(--text-muted); margin-top: 6px; }

/* ================================================================
   DIGITAL / GENERIC DARK CTA BAND
   ================================================================ */
.zx-digital {
    background: var(--navy-dark);
    padding: 0;
    overflow: hidden;
}
.zx-digital .container {
    display: grid;
    grid-template-columns: 1fr 1fr;
    align-items: center;
    gap: 0;
}
.zx-digital-img { overflow: hidden; }
.zx-digital-img img { width: 100%; height: 360px; object-fit: cover; opacity: 0.8; }
.zx-digital-body { padding: 56px 60px; }
.zx-digital-body .sec-label { color: var(--gold-light); }
.zx-digital-title {
    font-size: 1.9rem;
    font-weight: 800;
    color: #fff;
    line-height: 1.2;
    margin-bottom: 14px;
}
.zx-digital-text {
    font-size: 0.95rem;
    color: rgba(255,255,255,0.68);
    line-height: 1.7;
    margin-bottom: 28px;
}

/* ================================================================
   NEWS / INSIGHTS
   ================================================================ */
.zx-news { padding: 80px 0; background: #fff; }
.zx-news.on-alt { background: var(--off-white); }
.zx-news-hd {
    display: flex;
    align-items: flex-end;
    justify-content: space-between;
    margin-bottom: 44px;
    gap: 20px;
}
.zx-news-all {
    font-size: 0.875rem;
    font-weight: 600;
    color: var(--navy);
    border-bottom: 1.5px solid var(--navy);
    padding-bottom: 2px;
    white-space: nowrap;
    flex-shrink: 0;
    transition: color 0.2s, border-color 0.2s;
}
.zx-news-all:hover { color: var(--navy-light); border-color: var(--navy-light); }
.zx-news-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 20px;
}
.zx-ncard {
    border: 1px solid var(--border);
    border-radius: var(--radius-lg);
    overflow: hidden;
    transition: transform 0.22s, box-shadow 0.22s;
    background: #fff;
}
.zx-ncard:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); }
.zx-ncard-img { height: 185px; overflow: hidden; }
.zx-ncard-img img { width: 100%; height: 100%; object-fit: cover; transition: transform 0.4s; }
.zx-ncard:hover .zx-ncard-img img { transform: scale(1.06); }
.zx-ncard-body { padding: 20px 18px; }
.zx-ncard-tag {
    display: inline-block;
    font-size: 0.65rem;
    font-weight: 700;
    letter-spacing: 0.8px;
    text-transform: uppercase;
    color: var(--navy);
    background: rgba(200,16,46,0.07);
    padding: 3px 10px;
    border-radius: 12px;
    margin-bottom: 10px;
}
.zx-ncard-title {
    font-size: 0.915rem;
    font-weight: 700;
    color: var(--text-dark);
    line-height: 1.4;
    margin-bottom: 10px;
}
.zx-ncard-title a { color: inherit; transition: color 0.2s; }
.zx-ncard-title a:hover { color: var(--navy); }
.zx-ncard-exc { font-size: 0.8rem; color: var(--text-muted); line-height: 1.6; }

/* ================================================================
   MEMBER CARE / GENERIC ICON CARD GRID
   ================================================================ */
.zx-care { padding: 72px 0; background: var(--off-white); }
.zx-care.on-white { background: #fff; }
.zx-care-hd { text-align: center; margin-bottom: 48px; }
.zx-care-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 20px;
}
.zx-care-card {
    display: flex;
    flex-direction: column;
    align-items: center;
    text-align: center;
    padding: 36px 20px;
    background: #fff;
    border: 1px solid var(--border);
    border-radius: var(--radius-lg);
    transition: all 0.22s;
}
.zx-care-card:hover {
    border-color: var(--navy);
    transform: translateY(-3px);
    box-shadow: var(--shadow-md);
}
.zx-care-ico { width: 64px; height: 64px; margin-bottom: 16px; display: flex; align-items: center; justify-content: center; }
.zx-care-ico img { width: 64px; height: 64px; }
.zx-care-ico svg { width: 40px; height: 40px; color: var(--navy); }
.zx-care-lbl { font-size: 0.9rem; font-weight: 700; color: var(--navy); }
.zx-care-desc { font-size: 0.82rem; color: var(--text-muted); margin-top: 8px; line-height: 1.5; }

/* ================================================================
   TESTIMONIALS
   ================================================================ */
.zx-testimonials { padding: 80px 0; background: var(--navy); }
.zx-testi-hd { text-align: center; margin-bottom: 52px; }
.zx-testi-title {
    font-size: 2rem;
    font-weight: 800;
    color: #fff;
    margin-bottom: 10px;
}
.zx-testi-sub { font-size: 0.97rem; color: rgba(255,255,255,0.55); }
.zx-testi-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 16px;
}
.zx-tcard {
    background: rgba(255,255,255,0.06);
    border: 1px solid rgba(255,255,255,0.11);
    border-radius: var(--radius-lg);
    padding: 28px 22px;
}
.zx-tcard-stars { display: flex; gap: 3px; margin-bottom: 16px; }
.zx-star { width: 14px; height: 14px; fill: var(--gold-light); }
.zx-tcard-quote {
    font-size: 0.88rem;
    color: rgba(255,255,255,0.83);
    line-height: 1.75;
    margin-bottom: 22px;
}
.zx-tcard-name { font-size: 0.875rem; font-weight: 700; color: #fff; }
.zx-tcard-role { font-size: 0.75rem; color: rgba(255,255,255,0.45); margin-top: 3px; }

/* ================================================================
   MEMBER / VIDEO CTA BAND
   ================================================================ */
.zx-membercta {
    position: relative;
    padding: 90px 0 70px;
    background: var(--navy-dark);
    overflow: hidden;
}
.zx-membercta .container { position: relative; z-index: 2; text-align: center; }
.zx-mc-video {
    position: relative;
    max-width: 620px;
    margin: 0 auto 44px;
    border-radius: var(--radius-xl);
    overflow: hidden;
    box-shadow: var(--shadow-lg);
}
.zx-mc-video img { width: 100%; height: 320px; object-fit: cover; display: block; }
.zx-mc-play {
    position: absolute;
    inset: 0;
    display: flex;
    align-items: center;
    justify-content: center;
}
.zx-mc-play span {
    width: 68px;
    height: 68px;
    border-radius: 50%;
    background: rgba(255,255,255,0.92);
    display: flex;
    align-items: center;
    justify-content: center;
    transition: transform 0.2s;
}
.zx-mc-video:hover .zx-mc-play span { transform: scale(1.08); }
.zx-mc-play svg { width: 24px; height: 24px; fill: var(--navy); margin-left: 4px; }
.zx-mc-watch {
    position: absolute;
    left: 24px;
    bottom: 20px;
    color: #fff;
    font-weight: 700;
    font-size: 0.82rem;
    letter-spacing: 0.5px;
    text-transform: uppercase;
    display: flex;
    align-items: center;
    gap: 6px;
}
.zx-mc-title { font-size: 2rem; font-weight: 800; color: #fff; margin-bottom: 14px; }
.zx-mc-text { font-size: 0.97rem; color: rgba(255,255,255,0.65); max-width: 480px; margin: 0 auto 32px; line-height: 1.7; }
.zx-mc-cta {
    display: inline-block;
    background: #fff;
    color: var(--navy);
    padding: 15px 40px;
    border-radius: 999px;
    font-weight: 700;
    font-size: 0.95rem;
    margin-bottom: 44px;
}
.zx-mc-cta:hover { background: var(--off-white); }
.zx-mc-social {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 18px;
    margin-bottom: 30px;
}
.zx-mc-social a {
    width: 38px;
    height: 38px;
    border-radius: 50%;
    background: rgba(255,255,255,0.1);
    display: flex;
    align-items: center;
    justify-content: center;
    transition: background 0.2s;
}
.zx-mc-social a:hover { background: rgba(255,255,255,0.2); }
.zx-mc-social svg { width: 17px; height: 17px; fill: #fff; }
.zx-mc-badges { display: flex; align-items: center; justify-content: center; gap: 14px; flex-wrap: wrap; }
.zx-mc-badge {
    display: flex;
    align-items: center;
    gap: 9px;
    padding: 10px 20px;
    border: 1.5px solid rgba(255,255,255,0.3);
    border-radius: var(--radius);
    color: #fff;
}
.zx-mc-badge:hover { border-color: rgba(255,255,255,0.6); }
.zx-mc-badge svg { width: 20px; height: 20px; fill: #fff; }
.zx-mc-badge-text { text-align: left; line-height: 1.2; }
.zx-mc-badge-text small { display: block; font-size: 0.62rem; color: rgba(255,255,255,0.6); }
.zx-mc-badge-text strong { display: block; font-size: 0.86rem; font-weight: 700; }
@media (max-width: 560px) {
    .zx-mc-video img { height: 220px; }
    .zx-mc-title { font-size: 1.6rem; }
}

/* ================================================================
   FAQ ACCORDION
   ================================================================ */
.zx-faq { padding: 76px 0; }
.zx-faq.alt { background: var(--off-white); }
.zx-faq-list { max-width: 760px; margin: 0 auto; }
.zx-faq-item { border-bottom: 1px solid var(--border); }
.zx-faq-q {
    width: 100%;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 16px;
    padding: 22px 4px;
    background: none;
    border: none;
    text-align: left;
    font-family: inherit;
    font-size: 1rem;
    font-weight: 700;
    color: var(--text-dark);
    cursor: pointer;
}
.zx-faq-q svg { width: 18px; height: 18px; flex-shrink: 0; color: var(--navy); transition: transform 0.25s; }
.zx-faq-item.open .zx-faq-q svg { transform: rotate(180deg); }
.zx-faq-a { max-height: 0; overflow: hidden; transition: max-height 0.25s ease; }
.zx-faq-item.open .zx-faq-a { max-height: 600px; }
.zx-faq-a p { padding: 0 4px 22px; font-size: 0.92rem; color: var(--text-muted); line-height: 1.75; }

/* ================================================================
   ARTICLE / LEGAL PROSE
   ================================================================ */
.zx-article { padding: 70px 0 90px; }
.zx-article .container { max-width: 820px; }
.zx-article-meta { font-size: 0.8rem; color: var(--text-muted); margin-bottom: 14px; display: flex; gap: 10px; align-items: center; flex-wrap: wrap; }
.zx-article-meta .tag {
    color: var(--navy);
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.6px;
    font-size: 0.7rem;
    background: rgba(200,16,46,0.07);
    padding: 3px 10px;
    border-radius: 12px;
}
.zx-article h1.zx-article-title { font-size: 2.1rem; font-weight: 800; color: var(--navy); line-height: 1.25; margin-bottom: 24px; }
.zx-article-hero-img { border-radius: var(--radius-xl); overflow: hidden; margin-bottom: 40px; box-shadow: var(--shadow-md); }
.zx-article-hero-img img { width: 100%; height: 360px; object-fit: cover; }
.zx-article-body h2 { font-size: 1.35rem; font-weight: 800; color: var(--navy); margin: 36px 0 14px; }
.zx-article-body h3 { font-size: 1.1rem; font-weight: 700; color: var(--text-dark); margin: 28px 0 10px; }
.zx-article-body p { font-size: 0.98rem; color: var(--text-mid); line-height: 1.85; margin-bottom: 18px; }
.zx-article-body ul, .zx-article-body ol { margin: 0 0 20px 22px; }
.zx-article-body ul { list-style: disc; }
.zx-article-body ol { list-style: decimal; }
.zx-article-body li { font-size: 0.96rem; color: var(--text-mid); line-height: 1.8; margin-bottom: 8px; }
.zx-article-body a { color: var(--navy); text-decoration: underline; }
.zx-article-body blockquote { border-left: 3px solid var(--gold); padding: 6px 0 6px 20px; color: var(--text-muted); font-style: italic; margin: 24px 0; }
.zx-article-body strong { color: var(--text-dark); }

/* ================================================================
   JOB / LISTING CARDS (careers)
   ================================================================ */
.zx-jobs { padding: 20px 0 80px; }
.zx-job-card {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 20px;
    padding: 24px 28px;
    border: 1px solid var(--border);
    border-radius: var(--radius-lg);
    margin-bottom: 14px;
    transition: all 0.2s;
}
.zx-job-card:hover { border-color: var(--navy); box-shadow: var(--shadow-md); }
.zx-job-title { font-size: 1rem; font-weight: 700; color: var(--navy); margin-bottom: 6px; }
.zx-job-meta { font-size: 0.82rem; color: var(--text-muted); display: flex; gap: 14px; flex-wrap: wrap; }
@media (max-width: 600px) {
    .zx-job-card { flex-direction: column; align-items: flex-start; }
}

/* ================================================================
   FORMS (contact / upload)
   ================================================================ */
.zx-form-section { padding: 20px 0 80px; }
.zx-form-card { max-width: 640px; margin: 0 auto; background: var(--off-white); border-radius: var(--radius-xl); padding: 44px; }
.zx-form-row { margin-bottom: 18px; }
.zx-form-row label { display: block; font-size: 0.82rem; font-weight: 700; color: var(--text-dark); margin-bottom: 7px; }
.zx-form-row input, .zx-form-row select, .zx-form-row textarea {
    width: 100%;
    padding: 12px 14px;
    border: 1.5px solid var(--border);
    border-radius: var(--radius);
    font-family: inherit;
    font-size: 0.92rem;
    color: var(--text-dark);
    background: #fff;
}
.zx-form-row input:focus, .zx-form-row select:focus, .zx-form-row textarea:focus { outline: none; border-color: var(--navy); }
.zx-form-row-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
@media (max-width: 600px) {
    .zx-form-row-2 { grid-template-columns: 1fr; }
    .zx-form-card { padding: 28px 22px; }
}

/* ================================================================
   FOOTER BAR
   ================================================================ */
.zx-fbar { background: var(--navy-dark); padding: 28px 0; border-bottom: 1px solid rgba(255,255,255,0.07); }
.zx-fbar .container {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 24px;
}
.zx-fbar-item { display: flex; align-items: center; gap: 14px; }
.zx-fbar-ico {
    width: 44px;
    height: 44px;
    background: rgba(255,255,255,0.09);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
}
.zx-fbar-ico img { width: 20px; height: 20px; filter: brightness(0) invert(1); }
.zx-fbar-lbl { font-size: 0.68rem; text-transform: uppercase; letter-spacing: 0.8px; color: rgba(255,255,255,0.45); }
.zx-fbar-val { font-size: 0.875rem; font-weight: 600; color: #fff; }
.zx-fbar-val a { color: #fff; transition: color 0.2s; }
.zx-fbar-val a:hover { color: var(--gold-light); }

/* ================================================================
   FOOTER
   ================================================================ */
.zx-footer { background: #04111e; color: rgba(255,255,255,0.65); padding: 60px 0 0; }
.zx-footer-main {
    display: grid;
    grid-template-columns: 2.2fr 1fr 1fr 1fr;
    gap: 48px;
    padding-bottom: 52px;
    border-bottom: 1px solid rgba(255,255,255,0.07);
}
.zx-footer-brand img { height: 42px; margin-bottom: 18px; }
.zx-footer-about {
    font-size: 0.85rem;
    line-height: 1.75;
    color: rgba(255,255,255,0.52);
    margin-bottom: 14px;
}
.zx-footer-addr { font-size: 0.78rem; color: rgba(255,255,255,0.32); }
.zx-fcol-title {
    font-size: 0.68rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 1.8px;
    color: rgba(255,255,255,0.35);
    margin-bottom: 18px;
}
.zx-fcol-links { display: flex; flex-direction: column; gap: 11px; }
.zx-fcol-links a { font-size: 0.875rem; color: rgba(255,255,255,0.62); transition: color 0.2s; }
.zx-fcol-links a:hover { color: #fff; }
.zx-footer-bottom {
    padding: 22px 0;
    display: flex;
    align-items: center;
    justify-content: space-between;
    flex-wrap: wrap;
    gap: 16px;
}
.zx-footer-copy { font-size: 0.78rem; color: rgba(255,255,255,0.35); }
.zx-footer-policy { display: flex; gap: 20px; }
.zx-footer-policy a { font-size: 0.78rem; color: rgba(255,255,255,0.35); transition: color 0.2s; }
.zx-footer-policy a:hover { color: rgba(255,255,255,0.75); }
.zx-footer-logos { display: flex; align-items: center; gap: 14px; }
.zx-footer-logos img { height: 30px; opacity: 0.55; }
.zx-ncua-txt { font-size: 0.72rem; color: rgba(255,255,255,0.35); }

/* ================================================================
   RESPONSIVE
   ================================================================ */
@media (max-width: 1060px) {
    .zx-rates-grid { grid-template-columns: repeat(2, 1fr); }
    .zx-news-grid  { grid-template-columns: repeat(2, 1fr); }
    .zx-testi-grid { grid-template-columns: repeat(2, 1fr); }
    .zx-services-grid { grid-template-columns: repeat(2, 1fr); }
    .zx-care-grid { grid-template-columns: repeat(2, 1fr); }
    .zx-footer-main { grid-template-columns: 1fr 1fr; gap: 32px; }
    .zx-fbar .container { grid-template-columns: 1fr 1fr; gap: 20px; }
    .zx-stats .container { grid-template-columns: 1fr; gap: 40px; }
    .zx-stats-img img { height: 320px; }
    .zx-digital .container { grid-template-columns: 1fr; }
    .zx-digital-img { display: none; }
    .zx-digital-body { padding: 48px 40px; }
}
@media (max-width: 860px) {
    .zx-promo { grid-template-columns: 1fr; }
    .zx-promo-img { height: 280px; }
    .zx-promo-body { padding: 44px 32px; }
    .zx-promo-title { font-size: 1.7rem; }
}
@media (max-width: 768px) {
    .zx-nav, .zx-nav-actions { display: none; }
    .zx-hamburger { display: flex; }
    .zx-hero { height: 500px; }
    .zx-hero-title { font-size: 2.3rem; }
    .sec-title { font-size: 1.7rem; }
    .zx-news-hd { flex-direction: column; align-items: flex-start; }
    .zx-topbar .container { flex-direction: column; align-items: flex-start; gap: 6px; }
    .zx-strip .container { gap: 18px; }
}
@media (max-width: 560px) {
    .zx-rates-grid { grid-template-columns: 1fr; }
    .zx-news-grid  { grid-template-columns: 1fr; }
    .zx-services-grid { grid-template-columns: 1fr; }
    .zx-testi-grid { grid-template-columns: 1fr; }
    .zx-care-grid { grid-template-columns: 1fr; }
    .zx-stats-nums { grid-template-columns: 1fr 1fr; }
    .zx-hero-title { font-size: 1.9rem; }
    .zx-fbar .container { grid-template-columns: 1fr; }
    .zx-footer-main { grid-template-columns: 1fr; }
}

/* ================================================================
   AUTH PAGES (Login / Enroll)
   ================================================================ */
.zx-auth-hero { padding: 52px 0 36px; background: var(--off-white); text-align: center; }
.zx-auth-hero-title { font-size: 2rem; font-weight: 800; color: var(--text-dark); margin-bottom: 10px; }
.zx-auth-hero-sub { font-size: 0.98rem; color: var(--text-muted); max-width: 520px; margin: 0 auto; }

.zx-auth-section { padding: 20px 0 80px; background: #fff; }
.zx-auth-card {
    max-width: 520px;
    margin: 0 auto;
    background: var(--off-white);
    border-radius: var(--radius-xl);
    padding: 40px 36px;
    box-shadow: var(--shadow-md);
}
.zx-auth-card.wide { max-width: 820px; }

.zx-auth-icon-row { display: flex; align-items: center; gap: 12px; margin-bottom: 22px; }
.zx-auth-icon {
    width: 44px; height: 44px; border-radius: 50%;
    background: rgba(200,16,46,0.08);
    display: flex; align-items: center; justify-content: center; flex-shrink: 0;
}
.zx-auth-icon svg { width: 20px; height: 20px; color: var(--navy); }
.zx-auth-icon-row h1, .zx-auth-icon-row h2 { font-size: 1.3rem; font-weight: 800; color: var(--text-dark); margin-bottom: 2px; }
.zx-auth-icon-row p { font-size: 0.85rem; color: var(--text-muted); }

.zx-auth-row { display: grid; gap: 16px; margin-bottom: 18px; }
.zx-auth-row.cols-2 { grid-template-columns: 1fr 1fr; }
.zx-auth-row.cols-3 { grid-template-columns: 1fr 1fr 1fr; }
.zx-auth-row.cols-4 { grid-template-columns: 1fr 1fr 1fr 1fr; }
@media (max-width: 640px) {
    .zx-auth-row.cols-2, .zx-auth-row.cols-3, .zx-auth-row.cols-4 { grid-template-columns: 1fr; }
}

.zx-auth-field { display: flex; flex-direction: column; gap: 7px; position: relative; }
.zx-auth-field label { font-size: 0.8rem; font-weight: 700; color: var(--text-dark); }
.zx-auth-field input,
.zx-auth-field select {
    padding: 12px 14px;
    border: 1.5px solid var(--border);
    border-radius: var(--radius);
    font-family: inherit;
    font-size: 0.92rem;
    color: var(--text-dark);
    background: #fff;
    width: 100%;
}
.zx-auth-field input:focus,
.zx-auth-field select:focus { outline: none; border-color: var(--navy); box-shadow: 0 0 0 3px rgba(200,16,46,0.12); }
input.is-invalid, select.is-invalid { border-color: #dc3545 !important; }
.invalid-feedback { font-size: 0.76rem; min-height: 1.1em; margin-top: 2px; }
.text-danger { color: #dc3545 !important; }
.text-success { color: #1a8a4a !important; }

.zx-auth-input-icon input { padding-left: 42px; }
.zx-auth-input-icon-svg {
    position: absolute; left: 14px; top: 38px;
    width: 17px; height: 17px; color: var(--text-light); pointer-events: none;
}
.zx-auth-field.no-label .zx-auth-input-icon-svg { top: 50%; transform: translateY(-50%); }

.password-toggle {
    position: absolute; right: 12px; top: 38px;
    cursor: pointer; color: var(--text-light); display: flex; padding: 2px;
}
.password-toggle svg { width: 18px; height: 18px; }
.password-toggle .ico-eye-off { display: none; }

.zx-auth-check { display: flex; align-items: flex-start; gap: 9px; font-size: 0.85rem; color: var(--text-mid); margin-bottom: 20px; }
.zx-auth-check input { margin-top: 3px; width: 16px; height: 16px; accent-color: var(--navy); flex-shrink: 0; }

.zx-auth-submit { width: 100%; justify-content: center; padding: 14px; font-size: 0.98rem; }

.zx-auth-secure-note { display: flex; align-items: center; justify-content: center; gap: 6px; font-size: 0.78rem; color: var(--text-muted); margin-top: 16px; }
.zx-auth-secure-note svg { width: 13px; height: 13px; flex-shrink: 0; }

.zx-auth-links { text-align: center; margin-top: 18px; font-size: 0.88rem; color: var(--text-muted); }
.zx-auth-links a { color: var(--navy); font-weight: 700; text-decoration: underline; }
.zx-auth-links p { margin-top: 8px; }

.messageslogin, .messages { display: block; text-align: center; font-size: 0.85rem; color: #dc3545; margin-top: 12px; min-height: 1.2em; }

/* Progress / steps (enroll wizard) */
.zx-auth-progress { height: 8px; background: var(--border); border-radius: 99px; overflow: hidden; margin-bottom: 30px; }
.zx-auth-progress-bar { height: 100%; background: var(--navy); transition: width 0.3s ease; }
.form-step { display: none; }
.form-step.active { display: block; }
.zx-auth-step-title {
    display: flex; align-items: center; gap: 10px;
    font-size: 1.05rem; font-weight: 800; color: var(--navy); margin-bottom: 24px;
}
.zx-auth-step-title .zx-auth-icon { width: 36px; height: 36px; }
.zx-auth-step-title .zx-auth-icon svg { width: 17px; height: 17px; }

.zx-auth-nav-btns { display: flex; justify-content: space-between; gap: 12px; margin-top: 10px; }
.zx-auth-nav-btns.end { justify-content: flex-end; }
.btn-outline-muted { background: transparent; color: var(--text-mid); border: 1.5px solid var(--border); }
.btn-outline-muted:hover { background: var(--off-white); }

@media (max-width: 640px) {
    .zx-auth-card { padding: 30px 22px; }
}