/* ════════════════════════════════════════
   RESET + TOKENS
════════════════════════════════════════ */
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
:root{
  /* palette */
  --night:    #05080f;
  --deep:     #080e1a;
  --void:     #0b1221;
  --dark:     #0f1829;
  --navy:     #111d35;
  --slate:    #1a2d4a;
  --rim:      rgba(255,255,255,.07);
  --rim2:     rgba(255,255,255,.04);
  --glass:    rgba(255,255,255,.06);
  --glass2:   rgba(255,255,255,.03);

  /* text on dark */
  --white:    #ffffff;
  --fog:      rgba(255,255,255,.72);
  --mist:     rgba(255,255,255,.45);
  --smoke:    rgba(255,255,255,.24);

  /* text on light */
  --ink:      #080e1a;
  --ink2:     #1a2535;
  --body:     #4a5568;
  --faint:    #8896a8;

  /* light surface */
  --surf:     #ffffff;
  --surf2:    #f7f9fc;
  --surf3:    #eef2f7;
  --divider:  rgba(14,30,54,.08);

  /* brand — primary */
  --blue:      #2563eb;
  --blue-d:    #1d4ed8;
  --blue-l:    #3b82f6;
  --blue-xl:   #60a5fa;
  --blue-tint: #eff6ff;

  /* brand — secondary accent */
  --indigo:    #4f46e5;
  --indigo-d:  #4338ca;
  --indigo-l:  #818cf8;
  --indigo-tint:#eef2ff;

  /* brand — tertiary */
  --teal:      #0ea5e9;
  --teal-d:    #0284c7;

  /* semantic */
  --gold:      #f59e0b;
  --gold-l:    #fcd34d;
  --green:     #10b981;
  --green-d:   #059669;

  /* gradients */
  --brand-grad:      linear-gradient(135deg,var(--blue) 0%,var(--indigo) 100%);
  --brand-grad-h:    linear-gradient(90deg,var(--blue-d) 0%,var(--indigo) 50%,var(--blue-d) 100%);
  --brand-grad-text: linear-gradient(135deg,var(--blue) 0%,var(--indigo-l) 100%);

  /* radii */
  --r4:4px;--r8:8px;--r12:12px;--r16:16px;--r20:20px;--r24:24px;--r32:32px;--r999:999px;

  /* shadows */
  --elev1: 0 1px 3px rgba(0,0,0,.08),0 1px 2px rgba(0,0,0,.05);
  --elev2: 0 4px 16px rgba(0,0,0,.1),0 2px 6px rgba(0,0,0,.06);
  --elev3: 0 12px 40px rgba(0,0,0,.14),0 4px 12px rgba(0,0,0,.08);
  --elev4: 0 32px 80px rgba(0,0,0,.22),0 12px 28px rgba(0,0,0,.12);
  --glow-blue: 0 0 60px rgba(37,99,235,.18),0 0 24px rgba(37,99,235,.1);
  --glow-gold: 0 0 40px rgba(245,158,11,.2);

  /* motion */
  --ease:    cubic-bezier(.25,.46,.45,.94);
  --spring:  cubic-bezier(.34,1.56,.64,1);
  --smooth:  cubic-bezier(.4,0,.2,1);
}

html{scroll-behavior:smooth;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale}
body{font-family:'Bricolage Grotesque',system-ui,sans-serif;color:var(--ink);background:var(--surf);overflow-x:hidden}
a{text-decoration:none;color:inherit}
img,svg{display:block;max-width:100%}
button{font-family:inherit;cursor:pointer;border:none;background:none}

::-webkit-scrollbar{width:5px}
::-webkit-scrollbar-track{background:transparent}
::-webkit-scrollbar-thumb{background:rgba(37,99,235,.28);border-radius:3px}

/* ════════════════════════════════════════
   ANNOUNCEMENT BAR
════════════════════════════════════════ */
.topbar{
  background:var(--brand-grad-h);
  background-size:200% 100%;
  animation:barshift 6s linear infinite;
  color:#fff;font-size:13px;font-weight:500;
  text-align:center;padding:9px 20px;
  display:flex;align-items:center;justify-content:center;gap:14px;
}
@keyframes barshift{0%{background-position:0% 50%}100%{background-position:200% 50%}}
.topbar a{color:var(--gold-l);font-weight:600;text-underline-offset:3px;text-decoration:underline}
.top-badge{background:rgba(255,255,255,.18);border:1px solid rgba(255,255,255,.25);backdrop-filter:blur(8px);color:#fff;font-size:10px;font-weight:700;letter-spacing:.6px;padding:2px 9px;border-radius:var(--r999);text-transform:uppercase}

/* ════════════════════════════════════════
   NAVBAR
════════════════════════════════════════ */
.nav{
  position:sticky;top:0;z-index:200;
  height:66px;
  background:rgba(255,255,255,.88);
  backdrop-filter:blur(28px) saturate(1.9);
  -webkit-backdrop-filter:blur(28px) saturate(1.9);
  border-bottom:1px solid var(--divider);
  display:flex;align-items:center;
  padding:0 clamp(16px,4vw,72px);
  transition:background .3s,box-shadow .3s;
}
.nav.dark-mode{
  background:rgba(8,14,26,.9);
  border-bottom-color:rgba(255,255,255,.07);
}
.nav.scrolled{box-shadow:var(--elev2)}

/* Logo */
.nav-logo{display:flex;align-items:center;gap:10px;margin-right:24px;flex-shrink:0}
.logo-gem{
  width:38px;height:38px;border-radius:11px;
  background:var(--brand-grad);
  display:flex;align-items:center;justify-content:center;
  box-shadow:0 4px 16px rgba(37,99,235,.35),inset 0 1px 0 rgba(255,255,255,.2);
  position:relative;overflow:hidden;flex-shrink:0;
}
.logo-gem::after{content:'';position:absolute;inset:0;background:linear-gradient(135deg,rgba(255,255,255,.22) 0%,transparent 60%)}
.logo-gem svg{position:relative;z-index:1}
.logo-wordmark{display:flex;flex-direction:column;line-height:1.1}
.logo-name{font-size:17px;font-weight:800;letter-spacing:-.4px;color:var(--ink)}
.logo-name b{background:var(--brand-grad-text);-webkit-background-clip:text;-webkit-text-fill-color:transparent;background-clip:text}
.logo-sub{font-size:9.5px;font-weight:600;color:var(--faint);letter-spacing:.8px;text-transform:uppercase}
.nav.dark-mode .logo-name{color:#fff}
.nav.dark-mode .logo-sub{color:var(--smoke)}

/* Nav links */
.nav-links{display:flex;align-items:center;gap:1px;flex:1}
.nav-item{position:relative}
.nav-a{
  display:flex;align-items:center;gap:5px;
  padding:8px 14px;border-radius:var(--r8);
  font-size:14px;font-weight:500;
  color:var(--body);
  transition:color .18s,background .18s;
  white-space:nowrap;cursor:pointer;user-select:none;
}
.nav-a:hover,.nav-item:hover>.nav-a{color:var(--ink);background:var(--surf3)}
.nav.dark-mode .nav-a{color:var(--mist)}
.nav.dark-mode .nav-a:hover,.nav.dark-mode .nav-item:hover>.nav-a{color:var(--white);background:var(--glass)}
.chev{width:14px;height:14px;opacity:.4;transition:transform .22s var(--ease),opacity .18s;flex-shrink:0}
.nav-item:hover>.nav-a .chev{transform:rotate(180deg);opacity:.7}

/* Mega dropdown */
.nav-drop{
  position:absolute;top:100%;left:50%;
  transform:translateX(-50%);
  padding-top:10px;
  opacity:0;pointer-events:none;
  transition:opacity .18s var(--ease);
  z-index:300;
}
.nav-drop-inner{
  background:var(--surf);
  border:1px solid var(--divider);
  border-radius:var(--r16);
  box-shadow:var(--elev4);
  padding:6px;min-width:240px;
  max-height:80vh;overflow-y:auto;
}
.nav-item:hover .nav-drop{opacity:1;pointer-events:auto}
.drop-link{
  display:flex;align-items:center;gap:10px;
  padding:9px 12px;border-radius:var(--r8);
  font-size:13.5px;font-weight:500;color:var(--body);
  transition:color .15s,background .15s;
}
.drop-link:hover{color:var(--ink);background:var(--surf3)}
.drop-ico{
  width:28px;height:28px;border-radius:8px;
  display:flex;align-items:center;justify-content:center;
  font-size:13px;background:var(--surf3);flex-shrink:0;
  transition:background .15s;
}
.drop-link:hover .drop-ico{background:var(--blue-tint)}
.drop-group-label{
  font-size:10px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;
  color:var(--mist);padding:6px 12px 2px;
}
.drop-divider{height:1px;background:var(--divider);margin:4px 8px;}

/* Right */
.nav-right{display:flex;align-items:center;gap:8px;margin-left:auto;flex-shrink:0}
.btn-text{padding:8px 14px;border-radius:var(--r8);font-size:14px;font-weight:500;color:var(--body);transition:color .18s,background .18s}
.btn-text:hover{color:var(--ink);background:var(--surf3)}
.nav.dark-mode .btn-text{color:var(--mist)}
.nav.dark-mode .btn-text:hover{color:var(--white);background:var(--glass)}

.btn-cta{
  display:flex;align-items:center;gap:8px;
  background:var(--brand-grad);color:#fff;
  font-size:14px;font-weight:600;
  padding:9px 20px;border-radius:var(--r999);
  box-shadow:0 2px 8px rgba(37,99,235,.3);
  transition:transform .2s var(--spring),box-shadow .2s,opacity .2s;
}
.btn-cta:hover{opacity:.88;transform:translateY(-1px);box-shadow:0 6px 20px rgba(37,99,235,.4)}
.btn-cta:active{transform:translateY(0)}
.pulse-dot{width:7px;height:7px;border-radius:50%;background:var(--green);animation:pdot 2s infinite}
@keyframes pdot{0%,100%{box-shadow:0 0 0 2px rgba(16,185,129,.3)}50%{box-shadow:0 0 0 5px rgba(16,185,129,.08)}}

.burger{display:none;width:40px;height:40px;border-radius:var(--r8);align-items:center;justify-content:center;cursor:pointer;margin-left:auto;border:1px solid var(--divider);background:var(--surf);transition:background .2s}
.burger:hover{background:var(--surf3)}
.nav.dark-mode .burger{background:var(--glass);border-color:var(--rim)}
.blines{display:flex;flex-direction:column;gap:5px}
.blines span{display:block;width:18px;height:1.5px;background:var(--ink);border-radius:2px}
.nav.dark-mode .blines span{background:#fff}

/* ════════════════════════════════════════
   MOBILE DRAWER
════════════════════════════════════════ */
.drawer{position:fixed;inset:0;z-index:999;display:none}
.drawer.open{display:block}
.dr-back{position:absolute;inset:0;background:rgba(5,8,15,.6);backdrop-filter:blur(6px);animation:dfade .22s ease}
.dr-panel{position:absolute;right:0;top:0;bottom:0;width:min(340px,100vw);background:var(--surf);display:flex;flex-direction:column;padding:20px;overflow-y:auto;gap:2px;animation:dslide .28s var(--spring)}
@keyframes dfade{from{opacity:0}to{opacity:1}}
@keyframes dslide{from{transform:translateX(100%)}to{transform:translateX(0)}}
.dr-top{display:flex;align-items:center;justify-content:space-between;margin-bottom:20px;padding-bottom:16px;border-bottom:1px solid var(--divider)}
.dr-x{width:36px;height:36px;border-radius:var(--r8);display:flex;align-items:center;justify-content:center;background:var(--surf3);cursor:pointer;font-size:17px;color:var(--body);transition:background .2s,color .2s}
.dr-x:hover{background:#fee2e2;color:#ef4444}
.dr-sect{font-size:10.5px;font-weight:700;color:var(--faint);letter-spacing:1px;text-transform:uppercase;padding:10px 12px 4px}
.dr-lnk{display:flex;align-items:center;gap:11px;padding:11px 12px;border-radius:var(--r12);font-size:14.5px;font-weight:500;color:var(--body);transition:background .18s,color .18s}
.dr-lnk:hover{background:var(--surf3);color:var(--ink)}
.dr-div{height:1px;background:var(--divider);margin:6px 0}
.dr-foot{margin-top:auto;padding-top:20px;border-top:1px solid var(--divider)}
.dr-foot a{display:block;text-align:center;background:var(--ink);color:#fff;font-weight:600;font-size:15px;padding:14px;border-radius:var(--r12);transition:background .2s}
.dr-foot a:hover{background:var(--navy)}

/* ════════════════════════════════════════
   HERO — LIGHT
════════════════════════════════════════ */
.hero{
  position:relative;overflow:hidden;
  background:linear-gradient(135deg,#f0f4ff 0%,#e8f0fe 50%,#f5f0ff 100%);
  min-height:100svh;
  display:flex;align-items:center;
  padding:100px clamp(20px,5vw,80px) 80px;
}
.orb{position:absolute;border-radius:50%;pointer-events:none;filter:blur(100px)}
.orb1{width:700px;height:700px;background:radial-gradient(circle,rgba(37,99,235,.18) 0%,transparent 70%);top:-200px;right:-100px;animation:orb1 12s ease-in-out infinite alternate}
.orb2{width:500px;height:500px;background:radial-gradient(circle,rgba(99,102,241,.14) 0%,transparent 70%);bottom:-100px;left:-80px;animation:orb2 10s ease-in-out infinite alternate}
.orb3{width:400px;height:400px;background:radial-gradient(circle,rgba(14,165,233,.12) 0%,transparent 70%);top:40%;right:30%;animation:orb3 14s ease-in-out infinite alternate}
@keyframes orb1{from{transform:translate(0,0) scale(1)}to{transform:translate(-60px,80px) scale(1.1)}}
@keyframes orb2{from{transform:translate(0,0) scale(1)}to{transform:translate(80px,-60px) scale(1.15)}}
@keyframes orb3{from{transform:translate(0,0) scale(1)}to{transform:translate(-40px,40px) scale(.9)}}
.hero-grain{display:none}
.hero-inner{position:relative;z-index:1;max-width:1200px;width:100%;margin:0 auto;display:grid;grid-template-columns:1fr 1fr;gap:72px;align-items:center}
.hero-kicker{
  display:inline-flex;align-items:center;gap:8px;
  background:rgba(255,255,255,.75);
  border:1px solid rgba(37,71,208,.15);
  backdrop-filter:blur(12px);
  border-radius:var(--r999);
  padding:5px 14px 5px 7px;
  font-size:12.5px;font-weight:500;color:var(--body);
  margin-bottom:28px;
}
.kicker-dot{width:7px;height:7px;border-radius:50%;background:var(--green);box-shadow:0 0 0 3px rgba(16,185,129,.2);animation:pdot 2s infinite}
.kicker-tag{background:var(--brand-grad);color:#fff;font-size:10px;font-weight:700;letter-spacing:.5px;padding:2px 9px;border-radius:var(--r999);text-transform:uppercase}
.hero-h1{font-family:'Fraunces',Georgia,serif;font-size:clamp(2.6rem,5vw,4.2rem);font-weight:300;line-height:1.08;letter-spacing:-.03em;color:var(--ink);margin-bottom:8px;}
.hero-h1 .accent{font-style:italic;font-weight:400;background:linear-gradient(135deg,var(--blue),var(--teal));-webkit-background-clip:text;-webkit-text-fill-color:transparent;background-clip:text;}
.hero-h1 .line2{display:block;margin-top:4px}
.hero-h1 .gold-accent{font-style:italic;background:linear-gradient(135deg,var(--gold),var(--gold-l));-webkit-background-clip:text;-webkit-text-fill-color:transparent;background-clip:text;}
.hero-sub{font-size:17px;line-height:1.75;color:var(--body);max-width:460px;margin:20px 0 38px;font-weight:400}
.hero-ctas{display:flex;gap:12px;align-items:center;flex-wrap:wrap;margin-bottom:56px}
.cta-primary{display:inline-flex;align-items:center;gap:10px;background:var(--brand-grad);color:#fff;font-size:15px;font-weight:600;padding:14px 26px;border-radius:var(--r999);box-shadow:0 4px 24px rgba(37,99,235,.35),0 1px 3px rgba(37,99,235,.2);transition:transform .22s var(--spring),box-shadow .22s;position:relative;overflow:hidden;}
.cta-primary::before{content:'';position:absolute;inset:0;background:linear-gradient(135deg,rgba(255,255,255,.15) 0%,transparent 60%)}
.cta-primary:hover{transform:translateY(-2px);box-shadow:0 8px 32px rgba(37,99,235,.45),0 2px 8px rgba(37,71,208,.25)}
.cta-primary:active{transform:translateY(0)}
.cta-arr{width:28px;height:28px;border-radius:50%;background:rgba(255,255,255,.2);display:flex;align-items:center;justify-content:center;font-size:13px;font-style:normal;position:relative;z-index:1}
.cta-ghost{display:inline-flex;align-items:center;gap:8px;font-size:15px;font-weight:500;color:var(--body);padding:14px 22px;border-radius:var(--r999);border:1px solid rgba(14,30,54,.15);background:rgba(255,255,255,.7);backdrop-filter:blur(8px);transition:color .18s,border-color .18s,background .18s;}
.cta-ghost:hover{color:var(--ink);border-color:rgba(37,99,235,.3);background:#fff}
.hero-pills{display:flex;gap:10px;flex-wrap:wrap}
.h-pill{display:flex;align-items:center;gap:8px;background:rgba(255,255,255,.75);border:1px solid rgba(14,30,54,.1);border-radius:var(--r12);padding:10px 16px;backdrop-filter:blur(8px);transition:background .2s,border-color .2s,box-shadow .2s;}
.h-pill:hover{background:#fff;border-color:rgba(37,99,235,.2);box-shadow:0 4px 16px rgba(37,71,208,.08)}
.h-pill .pval{font-size:18px;font-weight:800;color:var(--ink);letter-spacing:-.02em;line-height:1}
.h-pill .plbl{font-size:11px;color:var(--body);margin-top:3px;line-height:1.3}
.h-pill .pico{font-size:18px}
.hero-visual{display:flex;justify-content:center;align-items:center;position:relative}
.phone-wrap{position:relative;filter:drop-shadow(0 48px 96px rgba(0,0,0,.55)) drop-shadow(0 20px 40px rgba(37,99,235,.2));animation:phfloat 4.5s ease-in-out infinite;}
@keyframes phfloat{0%,100%{transform:translateY(0) rotate(0deg)}50%{transform:translateY(-18px) rotate(.6deg)}}
.phone-body{width:264px;background:#07111f;border-radius:46px;padding:9px;position:relative;}
.phone-body::before{content:'';position:absolute;inset:0;border-radius:46px;background:linear-gradient(135deg,rgba(255,255,255,.12) 0%,rgba(255,255,255,.02) 50%,transparent 100%);pointer-events:none;z-index:2;}
.phone-body::after{content:'';position:absolute;inset:0;border-radius:46px;border:1px solid rgba(255,255,255,.08);pointer-events:none;z-index:3;}
.phone-screen{background:linear-gradient(180deg,#07111f 0%,#0a1628 100%);border-radius:38px;overflow:hidden;aspect-ratio:9/19.5;position:relative;}
.phone-screen::before{content:'';position:absolute;top:0;left:0;right:0;height:200px;background:linear-gradient(180deg,rgba(37,99,235,.15) 0%,transparent 100%);pointer-events:none;z-index:0;}
.ps-status{display:flex;justify-content:space-between;align-items:center;padding:14px 18px 8px;font-size:10.5px;color:rgba(255,255,255,.38);font-weight:500;position:relative;z-index:1;}
.ps-head{padding:0 18px 16px;position:relative;z-index:1}
.ps-greet{font-size:11px;color:rgba(255,255,255,.42);margin-bottom:3px}
.ps-name{font-size:17px;font-weight:800;color:#fff;letter-spacing:-.02em}
.ps-bal-card{background:linear-gradient(135deg,#1d4ed8 0%,#2563eb 45%,#3b82f6 100%);border-radius:20px;padding:18px;margin-top:14px;position:relative;overflow:hidden;}
.ps-bal-card::before{content:'';position:absolute;width:130px;height:130px;border-radius:50%;background:rgba(255,255,255,.06);top:-28px;right:-28px}
.ps-bal-card::after{content:'';position:absolute;width:80px;height:80px;border-radius:50%;background:rgba(255,255,255,.04);bottom:-20px;left:10px}
.ps-cl{font-size:9px;color:rgba(255,255,255,.62);text-transform:uppercase;letter-spacing:.9px;position:relative;z-index:1}
.ps-amt{font-size:24px;font-weight:800;color:#fff;margin:4px 0 2px;letter-spacing:-.025em;position:relative;z-index:1}
.ps-sub{font-size:9px;color:rgba(255,255,255,.48);position:relative;z-index:1;white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
.ps-crd-row{display:flex;justify-content:space-between;align-items:center;margin-top:11px;position:relative;z-index:1}
.ps-active{display:inline-flex;align-items:center;gap:4px;background:rgba(16,185,129,.22);border:1px solid rgba(16,185,129,.3);border-radius:var(--r999);padding:3px 9px;font-size:9.5px;font-weight:600;color:#34d399}
.ps-adot{width:5px;height:5px;border-radius:50%;background:#34d399;animation:pdot 2s infinite}
.ps-acts{display:grid;grid-template-columns:repeat(4,1fr);gap:5px;padding:12px 18px}
.ps-act{display:flex;flex-direction:column;align-items:center;gap:5px}
.ps-act-i{width:38px;height:38px;border-radius:12px;background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.07);display:flex;align-items:center;justify-content:center;font-size:15px}
.ps-act-l{font-size:8px;color:rgba(255,255,255,.38);text-align:center}
.ps-prog{padding:10px 18px}
.ps-prog-h{display:flex;justify-content:space-between;margin-bottom:6px;font-size:9px}
.ps-prog-h span:first-child{color:rgba(255,255,255,.38)}
.ps-prog-h span:last-child{color:rgba(255,255,255,.65);font-weight:600}
.ps-track{height:4px;background:rgba(255,255,255,.08);border-radius:2px;overflow:hidden}
.ps-fill{height:100%;width:68%;background:linear-gradient(90deg,var(--blue-l),var(--teal));border-radius:2px}
.ps-tx-h{padding:2px 18px 8px;font-size:9px;font-weight:700;color:rgba(255,255,255,.28);text-transform:uppercase;letter-spacing:.8px}
.ps-tx{display:flex;align-items:center;gap:9px;padding:8px 18px;border-top:1px solid rgba(255,255,255,.04)}
.ps-tx-i{width:30px;height:30px;border-radius:9px;display:flex;align-items:center;justify-content:center;font-size:13px;flex-shrink:0}
.ps-tx-nm{font-size:11px;font-weight:600;color:rgba(255,255,255,.8)}
.ps-tx-dt{font-size:9px;color:rgba(255,255,255,.3);margin-top:1px}
.ps-tx-a{font-size:12px;font-weight:700;margin-left:auto}
.fchip{position:absolute;background:rgba(255,255,255,.96);border:1px solid rgba(14,30,54,.08);border-radius:var(--r16);padding:11px 14px;display:flex;align-items:center;gap:9px;box-shadow:0 20px 48px rgba(0,0,0,.2),0 4px 12px rgba(0,0,0,.1);white-space:nowrap;backdrop-filter:blur(12px);}
.fc1{top:44px;right:-88px;animation:fc1 3.5s ease-in-out infinite}
.fc2{bottom:68px;left:-104px;animation:fc2 4s ease-in-out infinite}
.fc3{top:46%;right:-96px;transform:translateY(-50%);animation:fc3 3.8s ease-in-out infinite}
@keyframes fc1{0%,100%{transform:translateY(0)}50%{transform:translateY(-9px)}}
@keyframes fc2{0%,100%{transform:translateY(0)}50%{transform:translateY(9px)}}
@keyframes fc3{0%,100%{transform:translateY(-50%)}50%{transform:translateY(calc(-50% - 8px))}}
.fc-ico{font-size:20px}
.fc-val{font-size:13.5px;font-weight:700;color:var(--ink);line-height:1.2}
.fc-lbl{font-size:10.5px;color:var(--body);margin-top:1px}
.fc-badge{font-size:10px;font-weight:700;padding:2px 8px;border-radius:var(--r999);margin-left:auto}
.badge-g{background:rgba(16,185,129,.12);color:var(--green-d)}
.badge-b{background:var(--blue-tint);color:var(--blue-d)}

/* ════════════════════════════════════════
   TRUST STRIP
════════════════════════════════════════ */
.trust{border-top:1px solid var(--divider);border-bottom:1px solid var(--divider);background:var(--surf2);padding:0 clamp(16px,4vw,72px)}
.trust-row{max-width:1200px;margin:0 auto;display:flex;align-items:stretch}
.trust-i{display:flex;align-items:center;gap:11px;padding:20px 28px;border-right:1px solid var(--divider);flex:1}
.trust-i:last-child{border-right:none}
.ti-ico{font-size:20px;flex-shrink:0}
.ti-v{font-size:14.5px;font-weight:700;color:var(--ink);line-height:1.2}
.ti-l{font-size:11.5px;color:var(--faint);margin-top:2px}

/* ════════════════════════════════════════
   SECTION FOUNDATION
════════════════════════════════════════ */
.section{padding:100px clamp(20px,5vw,80px)}
.section.alt{background:var(--surf2)}
.section.dark{background:linear-gradient(135deg,#f0f4ff 0%,#e8f0fe 50%,#f5f0ff 100%);padding:100px clamp(20px,5vw,80px)}
.wrap{max-width:1200px;margin:0 auto}
.container{max-width:1200px;margin:0 auto;padding-left:clamp(20px,5vw,80px);padding-right:clamp(20px,5vw,80px)}
.eyebrow{display:inline-flex;align-items:center;gap:7px;font-size:12px;font-weight:700;color:var(--blue);letter-spacing:.7px;text-transform:uppercase;margin-bottom:18px;}
.eyebrow::before{content:'';width:16px;height:2px;background:linear-gradient(90deg,var(--blue),var(--teal));border-radius:1px}
.eyebrow.light{color:var(--blue)}
.eyebrow.light::before{background:linear-gradient(90deg,var(--blue),var(--teal))}
.eyebrow.gold{color:var(--gold)}
.eyebrow.gold::before{background:linear-gradient(90deg,var(--gold),var(--gold-l))}
.h2{font-family:'Fraunces',Georgia,serif;font-size:clamp(2rem,3.5vw,2.9rem);font-weight:300;line-height:1.18;letter-spacing:-.025em;color:var(--ink);margin-bottom:18px;}
.h2 em{font-style:italic;color:var(--blue)}
.h2.light{color:var(--ink)}
.h2.light em{background:linear-gradient(135deg,var(--blue),var(--teal));-webkit-background-clip:text;-webkit-text-fill-color:transparent;background-clip:text}
.h2.gold em{background:linear-gradient(135deg,var(--gold),var(--gold-l));-webkit-background-clip:text;-webkit-text-fill-color:transparent;background-clip:text}
.lead{font-size:16.5px;line-height:1.78;color:var(--body);max-width:560px}
.lead.light{color:var(--body)}
.btn-fill{display:inline-flex;align-items:center;gap:8px;background:var(--ink);color:#fff;font-size:14.5px;font-weight:600;padding:12px 24px;border-radius:var(--r999);margin-top:28px;box-shadow:0 2px 8px rgba(8,14,26,.18);transition:transform .2s var(--spring),box-shadow .2s,background .2s;}
.btn-fill:hover{background:var(--navy);transform:translateY(-2px);box-shadow:0 8px 24px rgba(8,14,26,.25)}
.btn-stroke{display:inline-flex;align-items:center;gap:8px;border:1.5px solid var(--divider);color:var(--body);font-size:14.5px;font-weight:600;padding:11px 22px;border-radius:var(--r999);margin-top:28px;transition:color .18s,border-color .18s,box-shadow .18s;}
.btn-stroke:hover{color:var(--ink);border-color:rgba(14,30,54,.22);box-shadow:var(--elev1)}
.btn-glow{display:inline-flex;align-items:center;gap:10px;background:var(--brand-grad);color:#fff;font-size:15px;font-weight:600;padding:14px 28px;border-radius:var(--r999);margin-top:32px;box-shadow:0 4px 20px rgba(37,99,235,.4),0 1px 4px rgba(37,99,235,.2);transition:transform .22s var(--spring),box-shadow .22s;}
.btn-glow:hover{transform:translateY(-2px);box-shadow:0 10px 36px rgba(37,99,235,.55)}
.btn-white{display:inline-flex;align-items:center;gap:10px;background:#fff;color:var(--ink);font-size:15px;font-weight:700;padding:14px 26px;border-radius:var(--r999);box-shadow:0 4px 20px rgba(0,0,0,.22);transition:transform .22s var(--spring),box-shadow .22s;}
.btn-white:hover{transform:translateY(-2px);box-shadow:0 10px 30px rgba(0,0,0,.32)}
.btn-ghost-dark{display:inline-flex;align-items:center;gap:8px;font-size:15px;font-weight:500;color:var(--body);padding:14px 22px;border-radius:var(--r999);border:1px solid rgba(14,30,54,.15);background:rgba(255,255,255,.7);transition:color .18s,border-color .18s,background .18s;}
.btn-ghost-dark:hover{color:var(--ink);border-color:rgba(37,99,235,.3);background:#fff}

/* ════════════════════════════════════════
   HOW IT WORKS
════════════════════════════════════════ */
/* ── How it works (professional redesign) ── */
.hiw-section{background:#fff}

.hiw-hd{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:end;margin-bottom:64px}
.hiw-lead{margin:0}

/* Steps container */
.hiw-steps{position:relative;display:flex;flex-direction:column;gap:0}

/* Each step row */
.hiw-step{display:grid;grid-template-columns:72px 1fr;gap:32px;padding-bottom:48px}
.hiw-step:last-child{padding-bottom:0}

/* Left column: badge + vertical line */
.hiw-step-left{display:flex;flex-direction:column;align-items:center;gap:0}
.hiw-badge{width:56px;height:56px;border-radius:50%;background:linear-gradient(135deg,#dbeafe,#eff6ff);border:2px solid rgba(37,71,208,.18);display:flex;align-items:center;justify-content:center;flex-shrink:0;box-shadow:0 4px 16px rgba(37,71,208,.12)}
.hiw-badge-amber{background:linear-gradient(135deg,#fef3c7,#fffbeb);border-color:rgba(245,158,11,.25);box-shadow:0 4px 16px rgba(245,158,11,.12)}
.hiw-badge-green{background:linear-gradient(135deg,#d1fae5,#ecfdf5);border-color:rgba(16,185,129,.25);box-shadow:0 4px 16px rgba(16,185,129,.12)}
.hiw-num{font-family:'Fraunces',serif;font-size:1.1rem;font-weight:600;color:var(--blue);line-height:1}
.hiw-badge-amber .hiw-num{color:#d97706}
.hiw-badge-green .hiw-num{color:#059669}
.hiw-vline{flex:1;width:2px;background:linear-gradient(to bottom,rgba(37,71,208,.15),rgba(37,71,208,.04));margin-top:12px;border-radius:1px}

/* Right column: body */
.hiw-body{display:flex;gap:20px;align-items:flex-start;padding-top:8px}

/* Icon */
.hiw-icon-wrap{width:52px;height:52px;border-radius:14px;display:flex;align-items:center;justify-content:center;flex-shrink:0}
.hiw-blue{background:var(--blue-tint);color:var(--blue)}
.hiw-amber{background:#fffbeb;color:#d97706}
.hiw-green{background:rgba(16,185,129,.1);color:#059669}

/* Text */
.hiw-content{flex:1}
.hiw-label{font-size:.7rem;font-weight:800;letter-spacing:.08em;text-transform:uppercase;margin-bottom:6px}
.hiw-blue-txt{color:var(--blue)}
.hiw-amber-txt{color:#d97706}
.hiw-green-txt{color:#059669}
.hiw-title{font-size:1.18rem;font-weight:700;color:var(--ink);letter-spacing:-.02em;line-height:1.3;margin-bottom:10px}
.hiw-desc{font-size:.9rem;color:var(--body);line-height:1.75;margin-bottom:16px}

/* Meta row: tag + pills */
.hiw-meta{display:flex;flex-wrap:wrap;gap:8px;align-items:center}
.hiw-tag{display:inline-flex;align-items:center;gap:5px;font-size:.72rem;font-weight:700;padding:4px 10px;border-radius:6px;letter-spacing:.03em}
.hiw-tag-blue{background:var(--blue-tint);color:var(--blue-d)}
.hiw-tag-amber{background:#fef3c7;color:#92400e}
.hiw-tag-green{background:rgba(16,185,129,.1);color:#065f46}
.hiw-pill{font-size:.72rem;font-weight:600;color:var(--faint);background:var(--surf2);padding:4px 10px;border-radius:6px;border:1px solid var(--divider)}

/* Stat bar */
.hiw-stat-bar{display:flex;align-items:center;justify-content:center;gap:0;background:linear-gradient(135deg,#f8faff,#f0f4ff);border:1px solid rgba(37,71,208,.1);border-radius:16px;padding:28px 40px;margin-top:64px;flex-wrap:wrap}
.hiw-stat{text-align:center;padding:0 36px}
.hiw-stat-val{font-size:1.75rem;font-weight:800;color:var(--blue);letter-spacing:-.03em;line-height:1}
.hiw-stat-lbl{font-size:.72rem;font-weight:600;color:var(--faint);margin-top:4px;text-transform:uppercase;letter-spacing:.05em}
.hiw-stat-divider{width:1px;height:44px;background:rgba(37,71,208,.12)}

/* old classes kept so nothing else breaks */
.how-grid{display:none}
.how-card,.how-n,.how-icon,.how-t,.how-d,.how-tag,.ht-b,.ht-a,.ht-g,.ic-b,.ic-a,.ic-g{}

/* ════════════════════════════════════════
   FEATURE SECTIONS
════════════════════════════════════════ */
.feat{display:grid;grid-template-columns:1fr 1fr;gap:80px;align-items:center}
.feat.flip{direction:rtl}
.feat.flip>*{direction:ltr}
.illus{border-radius:var(--r24);overflow:hidden;position:relative;aspect-ratio:4/3;display:flex;align-items:center;justify-content:center}
.ib{background:linear-gradient(135deg,#dbeafe 0%,#eff6ff 100%);border:1px solid rgba(59,130,246,.1)}
.id{background:linear-gradient(135deg,#dbeafe 0%,#eff6ff 100%);border:1px solid rgba(59,130,246,.1)}
.ia{background:linear-gradient(135deg,#fef3c7 0%,#fffbeb 100%);border:1px solid rgba(245,158,11,.1)}
.ig{background:linear-gradient(135deg,#d1fae5 0%,#ecfdf5 100%);border:1px solid rgba(16,185,129,.1)}
.why-list{display:flex;flex-direction:column;gap:10px;margin-top:28px}
.why-c{display:flex;align-items:flex-start;gap:14px;padding:18px 20px;border-radius:var(--r16);border:1px solid var(--divider);background:var(--surf);transition:border-color .2s,box-shadow .2s,transform .22s;cursor:default;}
.why-c:hover{border-color:rgba(37,99,235,.18);box-shadow:0 4px 20px rgba(37,99,235,.07);transform:translateX(5px)}
.wc-i{width:40px;height:40px;border-radius:var(--r12);display:flex;align-items:center;justify-content:center;font-size:18px;flex-shrink:0}
.wc-t{font-size:14.5px;font-weight:700;color:var(--ink);margin-bottom:4px;letter-spacing:-.01em}
.wc-d{font-size:13px;color:var(--body);line-height:1.62}

/* ════════════════════════════════════════
   STATS ROW
════════════════════════════════════════ */
.stats-row{display:flex;gap:0;flex-wrap:wrap;margin-top:32px;border:1px solid var(--divider);border-radius:var(--r16);overflow:hidden;background:var(--surf)}
.sr{flex:1;min-width:130px;padding:20px 24px;border-right:1px solid var(--divider)}
.sr:last-child{border-right:none}
.sr-v{font-size:26px;font-weight:800;color:var(--ink);letter-spacing:-.025em;line-height:1}
.sr-l{font-size:12px;color:var(--faint);margin-top:5px}

/* ════════════════════════════════════════
   TESTIMONIALS
════════════════════════════════════════ */
.tgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:56px}
.tcard{background:var(--surf);border:1px solid var(--divider);border-radius:22px;padding:28px;display:flex;flex-direction:column;gap:14px;transition:box-shadow .25s,transform .25s;position:relative;overflow:hidden;}
.tcard::before{content:'';position:absolute;top:0;left:0;right:0;height:3px;background:linear-gradient(90deg,var(--blue-d),var(--teal));opacity:0;transition:opacity .25s}
.tcard:hover{box-shadow:var(--elev3);transform:translateY(-5px)}
.tcard:hover::before{opacity:1}
.t-stars{color:var(--gold);font-size:13px;letter-spacing:2px}
.t-quote{font-size:15px;line-height:1.72;color:var(--ink2);flex:1;font-style:italic}
.t-quote::before{content:'\201C';font-family:'Fraunces',serif;font-size:28px;color:var(--blue-tint);line-height:0;vertical-align:-.25em;margin-right:2px}
.tauthor{display:flex;align-items:center;gap:11px;border-top:1px solid var(--divider);padding-top:14px;margin-top:auto}
.tav{width:38px;height:38px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:13px;color:#fff;flex-shrink:0}
.tname{font-size:13.5px;font-weight:700;color:var(--ink)}
.tmeta{font-size:11.5px;color:var(--faint)}

/* ════════════════════════════════════════
   CTA SECTION — LIGHT
════════════════════════════════════════ */
/* ════════════════════════════════════════
   CTA SECTION
════════════════════════════════════════ */
.cta-section{
  position:relative;overflow:hidden;
  background:var(--night);
  padding:110px clamp(24px,5vw,80px);
  border-top:1px solid rgba(255,255,255,.06);
}
.cta-bg-glow{position:absolute;pointer-events:none;border-radius:50%}
.cta-glow-l{width:700px;height:700px;top:-200px;left:-150px;background:radial-gradient(circle,rgba(37,99,235,.16) 0%,transparent 65%);filter:blur(80px)}
.cta-glow-r{width:500px;height:500px;bottom:-150px;right:-100px;background:radial-gradient(circle,rgba(79,70,229,.14) 0%,transparent 65%);filter:blur(80px)}

/* 2-col grid */
.cta-wrap{
  position:relative;z-index:2;
  max-width:1160px;margin:0 auto;
  display:grid;grid-template-columns:1fr 1fr;
  gap:80px;align-items:center;
}

/* ── LEFT: copy ── */
.cta-copy{display:flex;flex-direction:column;align-items:flex-start}
.cta-badge{
  display:inline-flex;align-items:center;gap:8px;
  font-size:12px;font-weight:600;letter-spacing:.5px;text-transform:uppercase;
  color:rgba(255,255,255,.55);
  background:rgba(255,255,255,.06);
  border:1px solid rgba(255,255,255,.1);
  border-radius:99px;padding:7px 16px;
  margin-bottom:28px;
}
.cta-badge-dot{width:7px;height:7px;border-radius:50%;background:#34d399;box-shadow:0 0 8px rgba(52,211,153,.8);flex-shrink:0;animation:ctadot 2s ease-in-out infinite}
@keyframes ctadot{0%,100%{opacity:1}50%{opacity:.35}}
.cta-hl{
  font-family:'Fraunces',Georgia,serif;
  font-size:clamp(42px,5vw,68px);
  font-weight:300;line-height:1.08;letter-spacing:-.03em;
  color:#fff;margin-bottom:24px;
}
.cta-hl em{
  font-style:italic;
  background:linear-gradient(120deg,#fcd34d,#f59e0b);
  -webkit-background-clip:text;-webkit-text-fill-color:transparent;background-clip:text;
}
.cta-desc{
  font-size:17px;color:rgba(255,255,255,.52);
  line-height:1.75;max-width:440px;margin-bottom:40px;
}
.cta-desc strong{color:rgba(255,255,255,.85);font-weight:600}
.cta-btns-row{display:flex;gap:12px;align-items:center;flex-wrap:wrap;margin-bottom:36px}
.cta-apply-btn{
  display:inline-flex;align-items:center;gap:8px;
  background:linear-gradient(135deg,#f59e0b,#fbbf24);
  color:#0b1221;font-size:15px;font-weight:700;
  padding:14px 30px;border-radius:99px;
  box-shadow:0 4px 24px rgba(245,158,11,.4),0 1px 0 rgba(255,255,255,.2) inset;
  transition:transform .2s,box-shadow .2s,filter .2s;
  letter-spacing:.1px;
}
.cta-apply-btn:hover{transform:translateY(-2px);box-shadow:0 10px 36px rgba(245,158,11,.55);filter:brightness(1.06)}
.cta-talk-btn{
  display:inline-flex;align-items:center;
  color:rgba(255,255,255,.6);font-size:15px;font-weight:500;
  padding:14px 24px;border-radius:99px;
  border:1px solid rgba(255,255,255,.15);
  transition:color .18s,border-color .18s;
}
.cta-talk-btn:hover{color:#fff;border-color:rgba(255,255,255,.3)}
.cta-trust-row{display:flex;flex-direction:column;gap:10px}
.cta-trust-item{display:flex;align-items:center;gap:9px;font-size:13.5px;color:rgba(255,255,255,.45)}

/* ── RIGHT: loan card ── */
.cta-card-wrap{position:relative;display:flex;justify-content:center}
.cta-card{
  width:100%;max-width:420px;
  background:rgba(255,255,255,.05);
  border:1px solid rgba(255,255,255,.1);
  border-radius:24px;overflow:hidden;
  backdrop-filter:blur(24px);
  box-shadow:0 32px 80px rgba(0,0,0,.5),inset 0 1px 0 rgba(255,255,255,.1);
}
/* Card header */
.cta-card-head{
  display:flex;justify-content:space-between;align-items:center;
  padding:20px 24px;
  border-bottom:1px solid rgba(255,255,255,.07);
  background:rgba(255,255,255,.03);
}
.cta-card-brand{display:flex;align-items:center;gap:10px}
.cta-card-brand-icon{
  width:34px;height:34px;border-radius:10px;
  background:linear-gradient(135deg,#2563eb,#4f46e5);
  color:#fff;font-size:16px;font-weight:800;
  display:flex;align-items:center;justify-content:center;
}
.cta-card-brand-name{font-size:13px;font-weight:700;color:#fff}
.cta-card-brand-sub{font-size:10.5px;color:rgba(255,255,255,.4)}
.cta-card-approved{
  display:flex;align-items:center;gap:6px;
  font-size:12px;font-weight:700;color:#34d399;
  background:rgba(16,185,129,.12);
  border:1px solid rgba(16,185,129,.25);
  border-radius:99px;padding:5px 12px;
}
.cta-approved-dot{width:6px;height:6px;border-radius:50%;background:#34d399;animation:ctadot 1.8s ease-in-out infinite}
/* Amount block */
.cta-card-amount-block{padding:28px 24px 20px;border-bottom:1px solid rgba(255,255,255,.07)}
.cta-card-amount-lbl{font-size:11px;font-weight:600;text-transform:uppercase;letter-spacing:.9px;color:rgba(255,255,255,.38);margin-bottom:8px}
.cta-card-amount{font-family:'Fraunces',Georgia,serif;font-size:42px;font-weight:300;color:#fff;letter-spacing:-.02em;line-height:1;margin-bottom:8px}
.cta-card-tenure{font-size:12.5px;color:rgba(255,255,255,.4)}
/* Steps */
.cta-card-steps{padding:20px 24px;display:flex;flex-direction:column;gap:0;border-bottom:1px solid rgba(255,255,255,.07)}
.cta-step{display:flex;align-items:center;gap:12px}
.cta-step-ic{
  width:26px;height:26px;border-radius:50%;flex-shrink:0;
  display:flex;align-items:center;justify-content:center;
  font-size:11px;font-weight:700;
  background:rgba(16,185,129,.2);color:#34d399;
  border:1.5px solid rgba(16,185,129,.4);
}
.pulse-ic{background:rgba(245,158,11,.15);border:1.5px solid #f59e0b;animation:ctaring 1.6s ease-in-out infinite}
@keyframes ctaring{0%,100%{box-shadow:0 0 0 0 rgba(245,158,11,.4)}60%{box-shadow:0 0 0 7px rgba(245,158,11,0)}}
.cta-step-title{font-size:13px;font-weight:600;color:rgba(255,255,255,.85)}
.cta-step-sub{font-size:11px;color:rgba(255,255,255,.38);margin-top:1px}
.cta-step.active .cta-step-title{color:#f59e0b}
.cta-step.active .cta-step-sub{color:rgba(245,158,11,.6)}
.cta-step-line{width:2px;height:20px;margin-left:12px;border-radius:99px}
.cta-step-line.done{background:rgba(16,185,129,.4)}
.cta-step-line.active{background:linear-gradient(to bottom,rgba(16,185,129,.4),rgba(245,158,11,.3))}
/* Card bottom */
.cta-card-bottom{
  display:flex;justify-content:space-between;align-items:center;
  padding:14px 24px;
  font-size:11.5px;
}
.cta-card-lock{color:rgba(255,255,255,.35)}
.cta-card-time{color:rgba(245,158,11,.7);font-weight:600}
/* Floating badge */
.cta-float-badge{
  position:absolute;top:-18px;right:-18px;
  display:flex;align-items:center;gap:10px;
  background:rgba(15,23,42,.9);
  border:1px solid rgba(255,255,255,.12);
  border-radius:14px;padding:10px 16px;
  box-shadow:0 8px 32px rgba(0,0,0,.4);
  backdrop-filter:blur(12px);
}
.cta-float-icon{font-size:20px;line-height:1}
.cta-float-val{font-size:13px;font-weight:700;color:#fff}
.cta-float-lbl{font-size:10.5px;color:rgba(255,255,255,.4)}

/* ════════════════════════════════════════
   FOOTER
════════════════════════════════════════ */
footer{background:var(--surf2);border-top:1px solid var(--divider)}
.foot-top{padding:68px clamp(20px,5vw,80px) 0;max-width:1200px;margin:0 auto;display:grid;grid-template-columns:2fr 1fr 1fr 1.3fr;gap:52px}
.fb p{font-size:13.5px;line-height:1.76;color:var(--body);margin:16px 0 22px;max-width:280px}
.rbi{display:inline-flex;align-items:center;gap:7px;background:var(--surf);border:1px solid var(--divider);border-radius:var(--r999);padding:8px 16px;font-size:12.5px;font-weight:600;color:var(--ink);box-shadow:var(--elev1);transition:box-shadow .2s}
.rbi:hover{box-shadow:var(--elev2)}
.fc-t{font-size:11px;font-weight:700;color:var(--faint);letter-spacing:.9px;text-transform:uppercase;margin-bottom:16px}
.flinks{display:flex;flex-direction:column;gap:10px}
.flinks a{font-size:13.5px;color:var(--body);transition:color .15s}
.flinks a:hover{color:var(--ink)}
.fci{display:flex;align-items:flex-start;gap:9px;margin-bottom:12px}
.fci-l{font-size:10px;font-weight:700;text-transform:uppercase;letter-spacing:.7px;color:var(--faint);margin-bottom:2px}
.fci-t a,.fci-t span{font-size:13px;color:var(--body);transition:color .15s;display:block}
.fci-t a:hover{color:var(--ink)}
.adr{background:var(--surf);border:1px solid var(--divider);border-radius:var(--r12);padding:13px 15px;margin-top:8px}
.adr-t{font-size:9.5px;font-weight:700;text-transform:uppercase;letter-spacing:.9px;color:var(--blue);margin-bottom:5px}
.adr p{font-size:12.5px;color:var(--body);line-height:1.62}
.foot-bot{max-width:1200px;margin:0 auto;padding:22px clamp(20px,5vw,80px);border-top:1px solid var(--divider);display:flex;align-items:center;justify-content:space-between;flex-wrap:wrap;gap:12px}
.foot-copy{font-size:12.5px;color:var(--faint)}
.foot-pl{display:flex;gap:18px}
.foot-pl a{font-size:12.5px;color:var(--faint);transition:color .15s}
.foot-pl a:hover{color:var(--ink)}
.foot-extra-links{display:none}

/* ════════════════════════════════════════
   REVEAL ANIMATIONS
════════════════════════════════════════ */
.rev,.reveal{opacity:0;transform:translateY(30px);transition:opacity .65s var(--ease),transform .65s var(--ease)}
.rev.in,.reveal.in{opacity:1;transform:none}
.d1{transition-delay:.09s}.d2{transition-delay:.18s}.d3{transition-delay:.27s}

/* ════════════════════════════════════════
   RESPONSIVE
════════════════════════════════════════ */
@media(max-width:1100px){
  .hero-inner{gap:48px}
  .fc1,.fc2,.fc3{display:none}
  .phone-body{width:232px}
}
@media(max-width:900px){
  .nav-links,.nav-right .btn-text{display:none}
  .burger{display:flex}
  .hero-inner,.feat,.feat.flip{grid-template-columns:1fr;gap:48px;direction:ltr}
  .hero-visual{order:-1}
  .how-grid{grid-template-columns:1fr}
  .hiw-hd{grid-template-columns:1fr;gap:16px;margin-bottom:40px}
  .hiw-stat-bar{gap:0;padding:20px 16px}
  .hiw-stat{padding:12px 20px}
  .hiw-stat-divider{display:none}
  .tgrid{grid-template-columns:1fr 1fr}
  .foot-top{grid-template-columns:1fr 1fr;gap:32px}
  .trust-row{flex-wrap:wrap}
  .trust-i{min-width:50%;border-right:none;border-bottom:1px solid var(--divider)}
  .trust-i:nth-child(odd){border-right:1px solid var(--divider)}
  .trust-i:nth-last-child(-n+2){border-bottom:none}
  .phone-body{width:240px}
}
@media(max-width:640px){
  .hero{padding:80px 20px 64px}
  .section{padding:64px 20px}
  .cta-section{padding:72px 24px}
  .cta-wrap{grid-template-columns:1fr;gap:48px}
  .cta-copy{align-items:center;text-align:center}
  .cta-desc{max-width:100%}
  .cta-trust-row{align-items:center}
  .cta-btns-row{justify-content:center}
  .cta-float-badge{right:0;top:-14px}
  .hero-pills{gap:6px;flex-wrap:nowrap}
  .h-pill{padding:8px 10px;gap:6px}
  .h-pill .pval{font-size:14px}
  .h-pill .plbl{font-size:9.5px}
  .h-pill .pico{font-size:14px}
  .phone-body{width:min(220px,70vw)}
  .tgrid{grid-template-columns:1fr}
  .foot-top{grid-template-columns:1fr;padding:40px 20px 0}
  .foot-bot{padding:20px;flex-direction:column;text-align:center}
  .trust-i{min-width:100%;border-right:none}
  .trust-i:nth-child(odd){border-right:none}
  .trust{padding:0}
  .stats-row{flex-direction:column}
  .sr{border-right:none;border-bottom:1px solid var(--divider)}
  .sr:last-child{border-bottom:none}
}

/* ═══════════════════════════════════════════════════════════════════════
   POLICY PAGES — shared layout used by all /policy/* static pages
   ═══════════════════════════════════════════════════════════════════════ */

/* Hero */
.policy-hero{background:linear-gradient(135deg,#f0f4ff 0%,#e8f0fe 50%,#f5f0ff 100%);padding:110px 0 72px;position:relative;overflow:hidden}
.policy-hero-inner{display:grid;grid-template-columns:1fr auto;gap:40px;align-items:end;position:relative;z-index:1}
.policy-eyebrow{display:inline-flex;align-items:center;gap:8px;background:rgba(5,150,105,.08);border:1px solid rgba(5,150,105,.2);border-radius:100px;padding:5px 16px;font-size:.72rem;font-weight:700;letter-spacing:.09em;text-transform:uppercase;color:#059669;margin-bottom:18px}
.policy-hero h1{font-family:'Fraunces',serif;font-size:clamp(2rem,4vw,3rem);font-weight:800;color:var(--ink);line-height:1.1;margin-bottom:14px}
.policy-hero p{font-size:1rem;color:var(--body);line-height:1.75;max-width:560px}
.policy-meta-card{background:rgba(255,255,255,.75);border:1px solid rgba(14,30,54,.1);border-radius:16px;padding:20px 24px;min-width:240px;flex-shrink:0;backdrop-filter:blur(8px)}
.policy-meta-card .pmc-row{display:flex;flex-direction:column;gap:2px;margin-bottom:14px}
.policy-meta-card .pmc-row:last-child{margin-bottom:0}
.policy-meta-card .pmc-label{font-size:.68rem;font-weight:700;letter-spacing:.09em;text-transform:uppercase;color:var(--faint)}
.policy-meta-card .pmc-val{font-size:.88rem;color:var(--ink2);font-weight:600}
.policy-doc-btn{display:flex;align-items:center;justify-content:center;gap:6px;margin-top:16px;padding:10px 16px;border-radius:var(--r8);background:var(--blue);color:#fff;font-size:.85rem;font-weight:600;text-decoration:none;transition:background .18s,transform .15s;text-align:center}
.policy-doc-btn:hover{background:var(--blue-d);transform:translateY(-1px)}

/* Body layout */
.policy-body{padding:72px 0 100px;background:#fff}
.policy-layout{display:grid;grid-template-columns:220px 1fr;gap:56px;align-items:start}

/* Sticky TOC */
.policy-toc{position:sticky;top:88px}
.toc-label{font-size:.68rem;font-weight:800;letter-spacing:.1em;text-transform:uppercase;color:var(--muted);margin-bottom:14px}
.toc-list{list-style:none;padding:0;margin:0;display:flex;flex-direction:column;gap:2px;border-left:2px solid #e8eaf0}
.toc-list li a{display:block;padding:7px 14px;font-size:.82rem;color:var(--muted);text-decoration:none;font-weight:500;border-left:2px solid transparent;margin-left:-2px;transition:color .18s,border-color .18s;line-height:1.45}
.toc-list li a:hover{color:var(--blue);border-left-color:var(--blue)}
.toc-list li a.active{color:var(--blue);border-left-color:var(--blue);font-weight:700;background:rgba(37,99,235,.06);border-radius:0 4px 4px 0}

/* Content */
.policy-content{min-width:0}
.pol-sec{margin-bottom:56px;padding-bottom:56px;border-bottom:1px solid #f0f2f8;scroll-margin-top:100px}
.pol-sec:last-child{margin-bottom:0;padding-bottom:0;border-bottom:none}
.pol-head{display:flex;align-items:flex-start;gap:18px;margin-bottom:24px}
.pol-num{flex-shrink:0;width:40px;height:40px;border-radius:10px;background:linear-gradient(135deg,rgba(37,71,208,.1) 0%,rgba(37,99,235,.1) 100%);border:1px solid rgba(37,71,208,.15);display:flex;align-items:center;justify-content:center;font-size:.8rem;font-weight:800;color:var(--blue);font-family:'Fraunces',serif;margin-top:3px}
.pol-title{font-family:'Fraunces',serif;font-size:1.25rem;font-weight:700;color:var(--ink);line-height:1.25;padding-top:7px}
.sub-head{font-size:.95rem;font-weight:700;color:var(--blue);margin:22px 0 8px;padding-bottom:4px;border-bottom:1px solid #e8eaf0}
.ps p{font-size:.95rem;color:#3d4a5c;line-height:1.85;margin-bottom:14px}
.ps p:last-child{margin-bottom:0}
.ps p a{color:var(--blue);text-decoration:none}
.ps p a:hover{text-decoration:underline}

/* Clause list */
.clause-list{list-style:none;padding:0;margin:16px 0;display:flex;flex-direction:column;gap:10px}
.clause-list li{display:flex;gap:14px;font-size:.95rem;color:#3d4a5c;line-height:1.8}
.clause-list li .cl-marker{flex-shrink:0;width:26px;height:26px;border-radius:7px;background:rgba(37,71,208,.07);border:1px solid rgba(37,71,208,.12);display:flex;align-items:center;justify-content:center;font-size:.72rem;font-weight:800;color:var(--blue);margin-top:2px}
.clause-list li .cl-text{flex:1}
.clause-list li .cl-text strong{color:var(--ink)}
.clause-list li .cl-text a{color:var(--blue);text-decoration:none}
.clause-list li .cl-text a:hover{text-decoration:underline}
.sub-list{list-style:none;padding:0;margin:8px 0 0;display:flex;flex-direction:column;gap:6px}
.sub-list li{display:flex;gap:10px;font-size:.9rem;color:#4a5568;line-height:1.75}
.sub-list li::before{content:'—';flex-shrink:0;color:var(--muted);margin-top:1px}

/* Callouts */
.policy-callout{background:linear-gradient(135deg,#f0f4ff 0%,#eff6ff 100%);border:1px solid rgba(37,71,208,.14);border-radius:14px;padding:20px 22px;margin:20px 0;display:flex;gap:14px;align-items:flex-start}
.policy-callout .pc-icon{font-size:20px;flex-shrink:0;margin-top:1px}
.policy-callout .pc-body{font-size:.9rem;color:#2d3a4f;line-height:1.75}
.policy-callout .pc-body strong{color:var(--blue)}
.policy-callout .pc-body a{color:var(--blue);text-decoration:none}
.policy-callout.warn{background:linear-gradient(135deg,#fff7ed 0%,#fef3c7 100%);border-color:rgba(245,158,11,.2)}
.policy-callout.warn .pc-body strong{color:#b45309}
.policy-callout.danger{background:linear-gradient(135deg,#fff1f2 0%,#fdf2f8 100%);border-color:rgba(220,38,38,.15)}
.policy-callout.danger .pc-body strong{color:#b91c1c}
.policy-callout.success{background:linear-gradient(135deg,#f0fdf4 0%,#ecfdf5 100%);border-color:rgba(16,185,129,.15)}
.policy-callout.success .pc-body strong{color:#065f46}

/* Contact grid */
.policy-contact{background:var(--surface,#f8faff);border-radius:14px;padding:20px 22px;margin-top:16px;display:grid;grid-template-columns:repeat(2,1fr);gap:16px}
.pc-field .pcf-label{font-size:.68rem;font-weight:800;letter-spacing:.08em;text-transform:uppercase;color:var(--muted);margin-bottom:4px}
.pc-field .pcf-val{font-size:.9rem;font-weight:600;color:var(--ink)}
.pc-field .pcf-val a{color:var(--blue);text-decoration:none}
.pc-field .pcf-val a:hover{text-decoration:underline}

/* RBI reference tag */
.rbi-ref{display:inline-flex;align-items:center;gap:8px;background:rgba(37,71,208,.06);border:1px solid rgba(37,71,208,.12);border-radius:8px;padding:8px 14px;font-size:.78rem;color:var(--blue);font-weight:600;font-family:'SF Mono','Fira Code',monospace;letter-spacing:.03em;margin-bottom:20px}

/* Definition table */
.def-table{width:100%;border-collapse:collapse;margin:16px 0;font-size:.9rem}
.def-table th{background:linear-gradient(135deg,rgba(37,71,208,.07),rgba(37,99,235,.07));padding:10px 16px;text-align:left;font-size:.72rem;font-weight:800;letter-spacing:.07em;text-transform:uppercase;color:var(--blue);border-bottom:2px solid rgba(37,71,208,.12)}
.def-table td{padding:11px 16px;color:#3d4a5c;line-height:1.7;border-bottom:1px solid #f0f2f8;vertical-align:top}
.def-table td:first-child{font-weight:700;color:var(--ink);white-space:nowrap;width:28%}
.def-table tr:last-child td{border-bottom:none}
.def-table tr:hover td{background:#fafbff}

/* Responsive */
@media(max-width:860px){
  .policy-layout{grid-template-columns:1fr}
  .policy-toc{display:none}
  .policy-hero-inner{grid-template-columns:1fr}
  .policy-meta-card{min-width:auto}
  .policy-contact{grid-template-columns:1fr}
}

/* ════════════════════════════════════════
   VIDEO SLIDER
════════════════════════════════════════ */
.vid-section{background:linear-gradient(135deg,#f0f4ff 0%,#e8f0fe 60%,#f5f0ff 100%);overflow:hidden}

/* Two-column layout — equal halves */
.vid-layout{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:center}

/* Left copy */
.vid-copy{display:flex;flex-direction:column;gap:0}
.vid-checklist{list-style:none;margin:22px 0 28px;display:flex;flex-direction:column;gap:10px}
.vid-checklist li{display:flex;align-items:center;gap:10px;font-size:.95rem;color:var(--body)}
.vcl-ico{width:22px;height:22px;border-radius:50%;background:linear-gradient(135deg,var(--blue),var(--teal));color:#fff;display:inline-flex;align-items:center;justify-content:center;font-size:.7rem;font-weight:800;flex-shrink:0}

/* Nav buttons */
.vid-nav-btns{display:flex;gap:10px;margin-bottom:20px}
.vnb{width:44px;height:44px;border-radius:50%;border:2px solid rgba(37,71,208,.18);background:#fff;color:var(--blue);cursor:pointer;display:flex;align-items:center;justify-content:center;transition:background .2s,border-color .2s,transform .15s;box-shadow:0 2px 10px rgba(37,71,208,.1)}
.vnb:hover:not(:disabled){background:var(--blue);color:#fff;border-color:var(--blue);transform:scale(1.08)}
.vnb:disabled{opacity:.35;cursor:not-allowed}

/* Right side */
.vid-right{min-width:0}

/* Slider container — clips overflow */
.vid-slider-outer{overflow:hidden;padding:16px 4px 8px;margin:0 -4px}

/* Track — flex row that slides */
.vid-track{display:flex;gap:20px;transition:transform .45s cubic-bezier(.4,0,.2,1);will-change:transform;cursor:grab}
.vid-track:active{cursor:grabbing}

/* Show 1 card at a time */
.vid-slide{flex:0 0 100%;min-width:0}

/* Video card */
.vid-card{width:100%;border:none;padding:0;background:#fff;border-radius:18px;overflow:hidden;cursor:pointer;display:flex;flex-direction:column;box-shadow:0 4px 20px rgba(37,71,208,.09);transition:transform .25s,box-shadow .25s;text-align:left}
.vid-card:hover{transform:translateY(-6px);box-shadow:0 16px 48px rgba(37,71,208,.18)}

/* Thumbnail area */
.vc-thumb{position:relative;width:100%;aspect-ratio:16/9;display:flex;align-items:center;justify-content:center;overflow:hidden;flex-shrink:0}
.vc-thumb-grid{position:absolute;inset:0;background-image:repeating-linear-gradient(0deg,transparent,transparent 32px,rgba(255,255,255,.03) 32px,rgba(255,255,255,.03) 33px),repeating-linear-gradient(90deg,transparent,transparent 32px,rgba(255,255,255,.03) 32px,rgba(255,255,255,.03) 33px)}
.vc-emoji{font-size:3rem;position:relative;z-index:1;filter:drop-shadow(0 4px 12px rgba(0,0,0,.4));transition:transform .3s}
.vid-card:hover .vc-emoji{transform:scale(1.15)}

/* Play button overlay */
.vc-play-btn{position:absolute;top:50%;left:50%;transform:translate(-50%,-50%);width:52px;height:52px;border-radius:50%;background:rgba(255,255,255,.15);backdrop-filter:blur(8px);border:2px solid rgba(255,255,255,.35);display:flex;align-items:center;justify-content:center;transition:background .25s,transform .25s;z-index:2}
.vc-play-btn svg{width:18px;height:18px;color:#fff;margin-left:3px}
.vid-card:hover .vc-play-btn{background:rgba(255,255,255,.9);transform:translate(-50%,-50%) scale(1.12)}
.vid-card:hover .vc-play-btn svg{color:var(--blue)}

/* Pulse ring */
.vc-play-btn::before{content:'';position:absolute;inset:-6px;border-radius:50%;border:2px solid rgba(255,255,255,.25);animation:vc-pulse 2.4s ease-out infinite}
@keyframes vc-pulse{0%{transform:scale(1);opacity:.7}100%{transform:scale(1.6);opacity:0}}

/* Card info */
.vc-info{padding:16px 18px 18px;display:flex;flex-direction:column;gap:6px;flex:1}
.vc-tag{font-size:.68rem;font-weight:800;letter-spacing:.07em;text-transform:uppercase;color:var(--blue);background:rgba(37,71,208,.07);display:inline-block;padding:2px 8px;border-radius:4px;width:fit-content}
.vc-title{font-size:.92rem;font-weight:700;color:var(--ink);line-height:1.4;margin-top:2px}
.vc-meta{display:flex;gap:12px;align-items:center;margin-top:4px}
.vc-dur{font-size:.75rem;font-weight:700;color:#fff;background:var(--blue);padding:2px 8px;border-radius:4px}
.vc-views{font-size:.75rem;color:var(--faint)}

/* Dots */
.vid-dots{display:flex;justify-content:center;gap:8px;margin-top:8px}
.vdot{width:8px;height:8px;border-radius:50%;border:none;background:rgba(37,71,208,.2);cursor:pointer;padding:0;transition:background .2s,transform .2s,width .25s}
.vdot.active{background:var(--blue);width:24px;border-radius:4px}

/* ── Video Modal ── */
.vid-modal{position:fixed;inset:0;z-index:1000;display:flex;align-items:center;justify-content:center;opacity:0;pointer-events:none;transition:opacity .28s}
.vid-modal.open{opacity:1;pointer-events:auto}
.vid-modal-backdrop{position:absolute;inset:0;background:rgba(5,8,15,.85);backdrop-filter:blur(8px)}
.vid-modal-box{position:relative;width:min(880px,94vw);border-radius:16px;overflow:hidden;box-shadow:0 40px 90px rgba(0,0,0,.6);transform:scale(.88) translateY(24px);transition:transform .32s cubic-bezier(.34,1.4,.64,1)}
.vid-modal.open .vid-modal-box{transform:scale(1) translateY(0)}
.vid-modal-close{position:absolute;top:12px;right:12px;z-index:10;width:38px;height:38px;border-radius:50%;background:rgba(0,0,0,.55);border:none;color:#fff;cursor:pointer;display:flex;align-items:center;justify-content:center;transition:background .2s,transform .15s}
.vid-modal-close:hover{background:rgba(0,0,0,.85);transform:scale(1.1)}
.vid-modal-player{aspect-ratio:16/9;background:#000}
.vid-modal-player iframe{width:100%;height:100%;display:block}

/* ── Responsive ── */
@media(max-width:900px){
  .vid-layout{grid-template-columns:1fr;gap:40px}
  .vid-copy{max-width:100%}
}
@media(max-width:600px){
  .vid-checklist{margin-bottom:20px}
}