/* ════════════════════════════════════════════════════════════════════════
   pfc-footer.css — Canonical 4-column site footer.
   Used on every public-facing page. App pages (auth-gated dashboard,
   sage, etc.) intentionally have no footer.
   Loaded AFTER pfc-tokens.css.
   ════════════════════════════════════════════════════════════════════════ */

footer.site-footer {
  border-top: 1px solid var(--line);
  margin-top: var(--space-9, 96px);
  padding: var(--space-7, 48px) var(--space-5, 24px) var(--space-5, 24px);
  background: var(--canvas);
  color: var(--ink-2);
}
footer.site-footer .footer-grid {
  max-width: 1080px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: var(--space-6, 32px);
}
footer.site-footer .footer-col h4 {
  font-family: var(--font-body);
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--ink-3);
  margin: 0 0 var(--space-3, 12px);
}
footer.site-footer .footer-col ul {
  padding: 0;
  margin: 0;
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: var(--space-2, 8px);
}
footer.site-footer .footer-col li {
  font-size: 13px;
  line-height: 1.6;
}
footer.site-footer .footer-col a {
  color: var(--ink-2);
  text-decoration: none;
  transition: color 160ms ease-out;
}
footer.site-footer .footer-col a:hover { color: var(--ink); }
footer.site-footer .footer-stamp {
  max-width: 1080px;
  margin: var(--space-6, 32px) auto 0;
  padding-top: var(--space-4, 16px);
  border-top: 1px solid var(--line);
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: var(--space-3, 12px);
  font-size: 12px;
  color: var(--ink-3);
  font-family: var(--font-mono);
}
@media (max-width: 760px) {
  footer.site-footer .footer-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 480px) {
  footer.site-footer .footer-grid { grid-template-columns: 1fr; }
}

/* Not-financial-advice disclaimer. GC Wave-12 recommendation: ship a
 * site-wide explicit notice to mitigate consumer-finance regulatory
 * misclassification risk under MiFID II / national financial-promotion
 * rules. Wording chosen to (a) explicitly disclaim being a regulated
 * firm, (b) explicitly disclaim providing advice/recommendations/
 * suitability, (c) direct users to consult a qualified adviser. Style
 * intentionally subdued — legal text reads as legal text, not as a
 * marketing banner.
 *
 * Implemented as a real <p class="footer-disclaimer"> element on each
 * page rather than CSS ::after content, because (1) screen-reader
 * support for ::after generated content is inconsistent across
 * NVDA/JAWS/VoiceOver versions and (2) regulators expect to be able to
 * cite the disclaimer text in HTML form, not as a computed style.
 *
 * Sites that load pfc-footer.css automatically get the styling once
 * the HTML node is injected (via the per-page footer template or via
 * a small bootstrap snippet). For pages without the footer (auth-gated
 * app pages), the audit-mode banner already carries a different
 * disclaimer; the financial-advice disclaimer is only legally needed
 * on PUBLIC pages where a regulator/non-user could land. */
footer.site-footer .footer-disclaimer {
  max-width: 1080px;
  margin: var(--space-6, 32px) auto 0;
  padding: var(--space-4, 16px) var(--space-4, 16px) 0;
  border-top: 1px solid var(--line-2, rgba(244,239,229,0.06));
  font-family: var(--font-body);
  font-size: 11px;
  line-height: 1.6;
  color: var(--ink-3, #8B9590);
  text-align: left;
  letter-spacing: 0.01em;
}
footer.site-footer .footer-disclaimer strong {
  color: var(--ink-2, #C8C2B0);
  font-weight: 600;
}