/* Xivo extra pages — Tax Forms + New Business Registration (.xef-*).
 * Loaded after xivo-inner-purple.css; uses the same palette:
 * ink #15202F · blue #3C7ABC · gold #D4A24C · cream #FBF8F3 · line #DBDFE7
 */
.xivo-inner .xef-forms,
.xivo-inner .xef-reg{
  box-sizing:border-box;width:100%;background:#FBF8F3;
  padding:110px clamp(24px,7vw,120px);
}
.xivo-inner .xef-head{max-width:820px;margin:0 0 52px}
.xivo-inner .xef-head h2{font-size:clamp(38px,4.8vw,66px);line-height:1;margin:0 0 20px}
.xivo-inner .xef-head p:not(.eyebrow){margin:0;font-size:18px;line-height:1.65;color:#5b6470}

/* ---- Tax forms panels ---- */
.xivo-inner .xef-panels{display:grid;grid-template-columns:1fr 1fr;gap:26px;align-items:start}
.xivo-inner .xef-panel{
  position:relative;overflow:hidden;box-sizing:border-box;
  background:#fff;border:1px solid #DBDFE7;border-radius:30px;
  padding:38px 36px 40px;box-shadow:0 26px 64px rgba(21,32,47,.07);
}
.xivo-inner .xef-panel:before{
  content:"";position:absolute;left:0;top:0;right:0;height:4px;
  background:linear-gradient(90deg,#3C7ABC,#D4A24C);
}
.xivo-inner .xef-panel-head{display:flex;align-items:flex-start;gap:18px;margin:0 0 28px}
.xivo-inner .xef-panel-num{
  flex:none;width:46px;height:46px;border-radius:50%;
  display:grid;place-items:center;font-size:14px;font-weight:700;
  background:#15202F;color:#fff;
}
.xivo-inner .xef-panel h3{font-size:clamp(30px,3vw,44px);line-height:1;margin:0;color:#15202F}
.xivo-inner .xef-sub{display:block;margin-top:9px;font-family:'DM Sans',Arial,sans-serif;font-size:15px;color:#6A727D;letter-spacing:0}
.xivo-inner .xef-count{
  margin-left:auto;flex:none;white-space:nowrap;
  font-size:12px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;
  color:#3C7ABC;background:#EEF3FA;border-radius:999px;padding:8px 13px;
}
.xivo-inner .xef-chips{
  list-style:none;margin:0;padding:0;
  display:grid;grid-template-columns:repeat(auto-fill,minmax(150px,1fr));gap:12px;
}
.xivo-inner .xef-chips li{
  display:flex;align-items:center;gap:10px;min-width:0;
  padding:17px 18px;border:1px solid #DBDFE7;border-radius:16px;
  background:#FBF8F3;color:#15202F;font-weight:700;font-size:16px;line-height:1.25;
  transition:transform .3s ease,border-color .3s ease,box-shadow .3s ease,background .3s ease;
}
.xivo-inner .xef-chips li:before{content:"";flex:none;width:8px;height:8px;border-radius:50%;background:#D4A24C}
.xivo-inner .xef-chips li:hover{transform:translateY(-3px);border-color:#3C7ABC;background:#fff;box-shadow:0 14px 30px rgba(60,122,188,.14)}

/* Businesses panel: dark variant for contrast */
.xivo-inner .xef-panel-businesses{background:#15202F;border-color:#15202F;box-shadow:0 26px 64px rgba(21,32,47,.22)}
.xivo-inner .xef-panel-businesses h3{color:#fff}
.xivo-inner .xef-panel-businesses .xef-sub{color:#AEB8C6}
.xivo-inner .xef-panel-businesses .xef-panel-num{background:#D4A24C;color:#15202F}
.xivo-inner .xef-panel-businesses .xef-count{background:rgba(255,255,255,.1);color:#E9D3A4}
.xivo-inner .xef-panel-businesses .xef-chips li{background:rgba(255,255,255,.06);border-color:rgba(255,255,255,.16);color:#fff}
.xivo-inner .xef-panel-businesses .xef-chips li:hover{background:rgba(255,255,255,.12);border-color:#D4A24C;box-shadow:0 14px 30px rgba(0,0,0,.28)}

/* ---- Registration entity cards ---- */
.xivo-inner .xef-entities{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.xivo-inner .xef-entity{
  position:relative;box-sizing:border-box;min-height:290px;
  display:flex;flex-direction:column;
  padding:34px 32px 30px;border:1px solid #DBDFE7;border-radius:26px;
  background:rgba(255,255,255,.72);
  transition:transform .35s ease,box-shadow .35s ease,background .35s ease;
}
.xivo-inner .xef-entity:hover{transform:translateY(-8px);background:#fff;box-shadow:0 26px 60px rgba(21,32,47,.09)}
.xivo-inner .xef-entity-num{
  align-self:flex-start;font-size:13px;font-weight:700;letter-spacing:.1em;
  color:#3C7ABC;background:#EEF3FA;border-radius:999px;padding:7px 12px;
}
.xivo-inner .xef-entity h3{font-size:clamp(28px,2.6vw,38px);line-height:1;margin:26px 0 14px;color:#15202F}
.xivo-inner .xef-entity p{margin:0 0 22px;font-size:16px;line-height:1.65;color:#5b6470}
.xivo-inner .xef-entity-tag{
  margin-top:auto;align-self:flex-start;
  font-size:12px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;
  color:#15202F;border-bottom:2px solid #D4A24C;padding-bottom:4px;
}
.xivo-inner .xef-entity-cta{
  background:#15202F;border-color:#15202F;justify-content:center;
}
.xivo-inner .xef-entity-cta:hover{background:#0C1420}
.xivo-inner .xef-entity-cta h3{color:#fff;margin-top:0}
.xivo-inner .xef-entity-cta p{color:#C5CDD9}
.xivo-inner .xef-entity-cta .btn{align-self:flex-start;text-decoration:none}

/* ---- Steps (dark band) ---- */
.xivo-inner .xef-steps{
  box-sizing:border-box;width:100%;
  display:grid;grid-template-columns:.85fr 1.15fr;gap:6vw;align-items:center;
  padding:100px clamp(24px,7vw,120px);background:#15202F;color:#fff;
}
.xivo-inner .xef-steps .eyebrow{color:#D4A24C}
.xivo-inner .xef-steps h2{color:#fff;font-size:clamp(34px,4vw,56px);line-height:1;margin:0}
.xivo-inner .xef-steps-list{display:grid;gap:16px}
.xivo-inner .xef-steps-list article{
  display:flex;align-items:flex-start;gap:20px;
  padding:24px 26px;border:1px solid rgba(255,255,255,.14);border-radius:20px;
  background:rgba(255,255,255,.05);
}
.xivo-inner .xef-steps-list article>span{
  flex:none;width:44px;height:44px;border-radius:50%;
  display:grid;place-items:center;font-size:13px;font-weight:700;
  background:#D4A24C;color:#15202F;
}
.xivo-inner .xef-steps-list strong{display:block;font-size:19px;margin:2px 0 6px}
.xivo-inner .xef-steps-list p{margin:0;font-size:15.5px;line-height:1.6;color:#C5CDD9}

/* ---- CTA band ---- */
.xivo-inner .xef-cta{
  box-sizing:border-box;width:100%;
  display:flex;align-items:center;justify-content:space-between;gap:40px;
  padding:70px clamp(24px,7vw,120px);
  background:linear-gradient(135deg,#15202F,#24476F);color:#fff;
}
.xivo-inner .xef-cta .eyebrow{color:#D4A24C;margin-bottom:14px}
.xivo-inner .xef-cta h2{color:#fff;font-size:clamp(28px,3.4vw,48px);line-height:1.05;margin:0;max-width:720px}
.xivo-inner .xef-cta .btn{flex:none;text-decoration:none}

/* ---- Responsive ---- */
@media(max-width:1000px){
  .xivo-inner .xef-panels{grid-template-columns:1fr}
  .xivo-inner .xef-entities{grid-template-columns:1fr 1fr}
  .xivo-inner .xef-steps{grid-template-columns:1fr;gap:34px}
}
@media(max-width:700px){
  .xivo-inner .xef-forms,.xivo-inner .xef-reg{padding:70px 24px}
  .xivo-inner .xef-panel{padding:30px 22px 32px;border-radius:24px}
  .xivo-inner .xef-panel-head{flex-wrap:wrap}
  .xivo-inner .xef-count{margin-left:0}
  .xivo-inner .xef-chips{grid-template-columns:repeat(auto-fill,minmax(120px,1fr))}
  .xivo-inner .xef-entities{grid-template-columns:1fr}
  .xivo-inner .xef-entity{min-height:0}
  .xivo-inner .xef-steps{padding:70px 24px}
  .xivo-inner .xef-cta{flex-direction:column;align-items:flex-start;padding:56px 24px}
}