/* Dream Wise v23: readability and keyboard access */
.btn-gold,.btn-red{background:#C90816;color:#fff}
.btn-gold:hover,.btn-red:hover{background:#A80712;color:#fff}
.hero h1 em{color:#FFD6D9}
.hero .fc-title{color:#FFD6D9}
.hero .btn-ghost:hover{color:#fff;border-color:#fff;background:rgba(255,255,255,.1)}
a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible,summary:focus-visible{outline:3px solid #2675CB;outline-offset:4px}
section[id],div[id=apply]{scroll-margin-top:95px}
.skip-link{position:fixed;top:-80px;left:16px;z-index:20000;background:#fff;color:#004B92;padding:12px 20px;border:2px solid #004B92;border-radius:8px}
.skip-link:focus{top:12px}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*::before,*::after{animation:none!important;transition:none!important}.reveal{opacity:1!important;transform:none!important}}
@media(max-width:600px){.hero h1{font-size:38px}.hero p.sub{font-size:17px}.hero-ctas .btn{width:100%}.fund-card{padding:24px 20px}.fc-head{flex-wrap:wrap;gap:12px}.apply{padding:24px 18px}}