/* ============================================================
   OAKMONT CREST — DESIGN SYSTEM
   Premium Fintech Interface · External Stylesheet
   Font: IBM Plex Sans (body) + IBM Plex Sans Condensed (display)
   ============================================================ */

/* ─── FONTS ─────────────────────────────────────────────── */
@import url('https://fonts.googleapis.com/css2?family=IBM+Plex+Sans:ital,wght@0,300;0,400;0,500;0,600;0,700;1,300;1,400&family=IBM+Plex+Sans+Condensed:wght@600;700&display=swap');

/* ─── DESIGN TOKENS ─────────────────────────────────────── */
:root {
  /* Brand */
  --brand-900: #001e26;
  --brand-800: #002d38;
  --brand-700: #003B46;
  --brand-600: #004d5c;
  --brand-500: #006070;
  --brand-400: #007585;
  --brand-300: #1a9aaa;
  --brand-200: #6ecbd6;
  --brand-100: #c4eef2;
  --brand-50:  #edf9fa;

  /* Accent */
  --accent:       #007FFF;
  --accent-hover: #0066cc;
  --accent-light: #e6f2ff;
  --accent-dim:   rgba(0,127,255,0.10);

  /* Neutrals */
  --grey-900: #0f1923;
  --grey-800: #1c2b36;
  --grey-700: #2e3f4c;
  --grey-600: #4a5e6d;
  --grey-500: #647d8e;
  --grey-400: #8fa3b1;
  --grey-300: #bfcfd8;
  --grey-200: #dce8ed;
  --grey-100: #eef3f6;
  --grey-50:  #f7f9fb;

  /* Semantic */
  --text-primary:   var(--grey-900);
  --text-secondary: var(--grey-600);
  --text-tertiary:  var(--grey-500);
  --bg-base:        #ffffff;
  --bg-subtle:      var(--grey-50);
  --bg-muted:       var(--grey-100);
  --border-light:   var(--grey-200);
  --border-mid:     var(--grey-300);

  /* Status */
  --success: #0d9488;
  --warning: #d97706;

  /* Type — IBM Plex Sans Condensed for display headings,
             IBM Plex Sans for body text */
  --font-display: 'IBM Plex Sans Condensed', sans-serif;
  --font-body:    'IBM Plex Sans', sans-serif;

  /* Spacing (8px grid) */
  --space-1: 4px;
  --space-2: 8px;
  --space-3: 12px;
  --space-4: 16px;
  --space-5: 20px;
  --space-6: 24px;
  --space-8: 32px;
  --space-10: 40px;
  --space-12: 48px;
  --space-16: 64px;
  --space-20: 80px;
  --space-24: 96px;

  /* Radius */
  --radius-sm:   6px;
  --radius-md:   10px;
  --radius-lg:   16px;
  --radius-xl:   24px;
  --radius-full: 9999px;

  /* Shadows */
  --shadow-sm: 0 1px 3px rgba(15,25,35,0.06), 0 1px 2px rgba(15,25,35,0.04);
  --shadow-md: 0 4px 16px rgba(15,25,35,0.08), 0 2px 6px rgba(15,25,35,0.04);
  --shadow-lg: 0 12px 40px rgba(15,25,35,0.10), 0 4px 12px rgba(15,25,35,0.06);
  --shadow-xl: 0 24px 64px rgba(15,25,35,0.14), 0 8px 24px rgba(15,25,35,0.08);

  /* Motion */
  --ease:          cubic-bezier(0.16, 1, 0.3, 1);
  --duration:      200ms;
  --duration-slow: 350ms;

  /* Layout */
  --container:  1200px;
  --nav-height: 68px;
}

/* ─── RESET ──────────────────────────────────────────────── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; -webkit-text-size-adjust: 100%; }
body {
  font-family: var(--font-body);
  background: var(--bg-base);
  color: var(--text-primary);
  overflow-x: hidden;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}
img  { display: block; width: 100%; height: 100%; object-fit: cover; }
a    { color: inherit; text-decoration: none; }
button { cursor: pointer; font-family: var(--font-body); border: none; background: none; }
svg  { display: block; flex-shrink: 0; }
ul, ol { list-style: none; }
address { font-style: normal; }

/* ─── TYPOGRAPHY ─────────────────────────────────────────── */
/* IBM Plex Sans Condensed is used for all display headings —
   its tight proportions give the fintech boldness we want,
   while IBM Plex Sans body keeps excellent readability */
h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-display);
  line-height: 1.1;
  font-weight: 700;
  color: var(--text-primary);
  /* Condensed font does not need aggressive letter-spacing
     reductions — keeping it neutral looks cleaner */
  letter-spacing: -0.01em;
}
.display-xl { font-size: clamp(2.75rem, 6vw, 5rem);    line-height: 1.02; }
.display-lg { font-size: clamp(2.25rem, 4.5vw, 3.75rem); }
.display-md { font-size: clamp(1.75rem, 3vw, 2.5rem);   }
.display-sm { font-size: clamp(1.25rem, 2vw, 1.5rem);   }
.body-lg    { font-size: 1.0625rem; line-height: 1.75;  }
.body-md    { font-size: 0.9375rem; line-height: 1.7;   }
.body-sm    { font-size: 0.8125rem; line-height: 1.65;  }
.label      { font-size: 0.6875rem; font-weight: 600; letter-spacing: 0.12em; text-transform: uppercase; }
em          { font-style: normal; color: var(--accent); }

/* ─── LAYOUT ─────────────────────────────────────────────── */
.container  { max-width: var(--container); margin: 0 auto; padding: 0 var(--space-8); }
.section    { padding: var(--space-20) 0; }
.section-lg { padding: var(--space-24) 0; }

/* ─── GRID UTILITIES ─────────────────────────────────────── */
.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: var(--space-6); }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: var(--space-6); }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: var(--space-5); }
.flex         { display: flex; }
.flex-center  { display: flex; align-items: center; }
.flex-between { display: flex; align-items: center; justify-content: space-between; }
.gap-2 { gap: var(--space-2); }
.gap-3 { gap: var(--space-3); }
.gap-4 { gap: var(--space-4); }
.gap-6 { gap: var(--space-6); }
.gap-8 { gap: var(--space-8); }

/* ─── SECTION HEADERS ────────────────────────────────────── */
.section-header { margin-bottom: var(--space-12); }
.section-header.centered { text-align: center; }
.section-header.centered .section-desc { margin: 0 auto; }
.section-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
  font-family: var(--font-body);
  font-size: 0.6875rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--accent);
  background: var(--accent-dim);
  padding: var(--space-1) var(--space-3);
  border-radius: var(--radius-full);
  margin-bottom: var(--space-4);
}
.section-eyebrow-dot {
  width: 5px; height: 5px;
  background: var(--accent);
  border-radius: 50%;
  animation: pulse-dot 2.2s ease-in-out infinite;
}
@keyframes pulse-dot {
  0%, 100% { opacity: 1; transform: scale(1); }
  50%       { opacity: 0.4; transform: scale(0.75); }
}
.section-title { margin-bottom: var(--space-3); color: var(--brand-700); }
.section-desc  { max-width: 520px; color: var(--text-secondary); }

/* ─── BUTTONS ────────────────────────────────────────────── */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: var(--space-2);
  font-family: var(--font-body);
  font-size: 0.9375rem;
  font-weight: 500;
  line-height: 1;
  padding: 14px 24px;
  border-radius: var(--radius-md);
  transition: all var(--duration) var(--ease);
  white-space: nowrap;
  border: 1.5px solid transparent;
}
.btn-primary  { background: var(--accent); color: #fff; border-color: var(--accent); }
.btn-primary:hover {
  background: var(--accent-hover);
  border-color: var(--accent-hover);
  transform: translateY(-1px);
  box-shadow: 0 4px 16px rgba(0,127,255,0.3);
}
.btn-secondary { background: transparent; color: var(--brand-700); border-color: var(--border-mid); }
.btn-secondary:hover { background: var(--bg-subtle); }
.btn-ghost-white {
  background: rgba(255,255,255,0.08);
  color: rgba(255,255,255,0.85);
  border-color: rgba(255,255,255,0.18);
}
.btn-ghost-white:hover { background: rgba(255,255,255,0.14); border-color: rgba(255,255,255,0.35); }
.btn-outline-white {
  background: transparent;
  color: rgba(255,255,255,0.8);
  border-color: rgba(255,255,255,0.25);
}
.btn-outline-white:hover { border-color: rgba(255,255,255,0.6); color: #fff; }
.btn-lg { padding: 16px 32px; font-size: 1rem; border-radius: var(--radius-md); }
.btn-sm { padding: 10px 18px; font-size: 0.8125rem; border-radius: var(--radius-sm); }

/* ─── NAVIGATION ─────────────────────────────────────────── */
.nav {
  position: sticky;
  top: 0;
  z-index: 100;
  height: var(--nav-height);
  background: var(--brand-700);
  border-bottom: 1px solid rgba(255,255,255,0.06);
}
.nav-inner {
  height: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 var(--space-8);
  gap: var(--space-6);
}
.nav-logo {
  display: flex;
  align-items: center;
  gap: var(--space-3);
  text-decoration: none;
  flex-shrink: 0;
}
.nav-logo-mark {
  width: 34px; height: 34px;
  background: var(--accent);
  border-radius: var(--radius-sm);
  display: grid;
  place-items: center;
  flex-shrink: 0;
}
.nav-logo-mark svg { width: 18px; height: 18px; fill: none; stroke: #fff; stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; }
.nav-logo-text { display: flex; flex-direction: column; gap: 1px; }
.nav-logo-name {
  font-family: var(--font-display);
  font-size: 15px;
  font-weight: 700;
  color: #fff;
  line-height: 1.15;
  letter-spacing: 0.01em;
}
.nav-logo-sub {
  font-family: var(--font-body);
  font-size: 9px;
  font-weight: 500;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.35);
}
.nav-links {
  display: flex;
  align-items: center;
  gap: var(--space-1);
  flex: 1;
  justify-content: center;
}
.nav-link {
  font-family: var(--font-body);
  font-size: 13.5px;
  font-weight: 400;
  color: rgba(255,255,255,0.65);
  padding: 7px 14px;
  border-radius: var(--radius-sm);
  transition: all var(--duration) var(--ease);
  text-decoration: none;
  white-space: nowrap;
}
.nav-link:hover, .nav-link.active { color: #fff; background: rgba(255,255,255,0.08); }
.nav-actions {
  display: flex;
  align-items: center;
  gap: var(--space-3);
  flex-shrink: 0;
}
.nav-tel { font-size: 12px; color: rgba(255,255,255,0.4); white-space: nowrap; display: none; }
.nav-tel strong { color: rgba(255,255,255,0.7); font-weight: 500; }
.nav-menu-toggle {
  display: none;
  width: 36px; height: 36px;
  border-radius: var(--radius-sm);
  background: rgba(255,255,255,0.08);
  align-items: center;
  justify-content: center;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
}
.nav-menu-toggle span {
  display: block; width: 18px; height: 1.5px;
  background: rgba(255,255,255,0.8);
  border-radius: 2px;
  transition: all var(--duration) var(--ease);
}
.nav-mobile {
  display: none;
  position: absolute;
  top: var(--nav-height);
  left: 0; right: 0;
  background: var(--brand-800);
  border-bottom: 1px solid rgba(255,255,255,0.08);
  padding: var(--space-4);
  flex-direction: column;
  gap: var(--space-1);
  z-index: 99;
}
.nav-mobile.open { display: flex; }
.nav-mobile .nav-link { display: block; padding: 12px var(--space-4); font-size: 15px; border-radius: var(--radius-md); }
.nav-mobile .nav-actions { flex-direction: column; align-items: stretch; margin-top: var(--space-4); gap: var(--space-3); }
.nav-mobile .btn { width: 100%; justify-content: center; }

/* ─── HERO ───────────────────────────────────────────────── */
.hero { background: var(--brand-700); position: relative; overflow: hidden; }
.hero-noise {
  position: absolute; inset: 0;
  background-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 256 256' xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='noise'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.9' numOctaves='4' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23noise)' opacity='1'/%3E%3C/svg%3E");
  opacity: 0.025; pointer-events: none;
}
.hero-glow-1 {
  position: absolute; top: -30%; right: -10%;
  width: 700px; height: 700px; border-radius: 50%;
  background: radial-gradient(circle, rgba(0,127,255,0.16) 0%, transparent 65%);
  pointer-events: none;
}
.hero-glow-2 {
  position: absolute; bottom: -20%; left: -10%;
  width: 500px; height: 500px; border-radius: 50%;
  background: radial-gradient(circle, rgba(0,150,175,0.12) 0%, transparent 65%);
  pointer-events: none;
}
.hero-inner {
  position: relative; z-index: 1;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-16);
  align-items: center;
  padding: 96px 0 104px;
}
.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
  background: rgba(0,127,255,0.12);
  border: 1px solid rgba(0,127,255,0.25);
  border-radius: var(--radius-full);
  padding: 6px 14px;
  margin-bottom: var(--space-6);
}
.hero-badge-dot { width: 6px; height: 6px; background: var(--accent); border-radius: 50%; animation: pulse-dot 2s infinite; }
.hero-badge-text {
  font-family: var(--font-body);
  font-size: 11px; font-weight: 600;
  letter-spacing: 0.12em; text-transform: uppercase;
  color: rgba(255,255,255,0.7);
}
.hero-title {
  font-family: var(--font-display);
  font-size: clamp(2.75rem, 5.5vw, 4.75rem);
  font-weight: 700;
  color: #fff;
  line-height: 1.04;
  letter-spacing: -0.01em;
  margin-bottom: var(--space-6);
}
.hero-title em { color: rgba(0,180,255,0.85); font-style: normal; }
.hero-desc {
  font-family: var(--font-body);
  font-size: 1.0625rem;
  font-weight: 300;
  color: rgba(255,255,255,0.55);
  line-height: 1.78;
  max-width: 480px;
  margin-bottom: var(--space-8);
}
.hero-ctas { display: flex; align-items: center; gap: var(--space-4); flex-wrap: wrap; margin-bottom: var(--space-10); }
.hero-tags { display: flex; flex-wrap: wrap; gap: var(--space-2); }
.hero-tag {
  display: flex; align-items: center; gap: var(--space-2);
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.09);
  border-radius: var(--radius-full);
  padding: 5px 12px;
  font-family: var(--font-body);
  font-size: 12px;
  color: rgba(255,255,255,0.45);
}
.hero-tag-dot { width: 4px; height: 4px; background: var(--accent); border-radius: 50%; flex-shrink: 0; }
.hero-visual { position: relative; }
.hero-image-card { border-radius: var(--radius-xl); overflow: hidden; height: 460px; position: relative; box-shadow: var(--shadow-xl); }
.hero-image-card img { object-position: center top; }
.hero-image-overlay { position: absolute; inset: 0; background: linear-gradient(180deg, rgba(0,30,46,0) 45%, rgba(0,30,46,0.75) 100%); }
.hero-stats-card {
  position: absolute;
  bottom: var(--space-6); left: var(--space-6); right: var(--space-6);
  background: rgba(0,25,38,0.88);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: var(--radius-lg);
  padding: var(--space-5) var(--space-6);
  display: flex;
  justify-content: space-between;
  align-items: center;
}
.hero-stat-val {
  font-family: var(--font-display);
  font-size: 1.5rem; font-weight: 700;
  color: #fff; line-height: 1;
  margin-bottom: 4px;
}
.hero-stat-val em { color: rgba(100,210,230,0.9); font-style: normal; }
.hero-stat-label { font-family: var(--font-body); font-size: 11px; color: rgba(255,255,255,0.38); }
.hero-stat-divider { width: 1px; height: 32px; background: rgba(255,255,255,0.08); }

/* ─── TRUST BAR ──────────────────────────────────────────── */
.trust-bar { background: var(--bg-subtle); border-bottom: 1px solid var(--border-light); padding: var(--space-5) 0; }
.trust-bar-inner { display: flex; align-items: center; justify-content: space-between; gap: var(--space-8); flex-wrap: wrap; }
.trust-item { display: flex; align-items: center; gap: var(--space-3); }
.trust-icon { width: 34px; height: 34px; background: var(--accent-dim); border-radius: var(--radius-md); display: grid; place-items: center; flex-shrink: 0; }
.trust-icon svg { width: 16px; height: 16px; stroke: var(--accent); fill: none; stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; }
.trust-label { font-size: 13px; font-weight: 600; color: var(--text-primary); line-height: 1.2; }
.trust-sub   { font-size: 11px; color: var(--text-tertiary); }

/* ─── FEATURE CARDS ──────────────────────────────────────── */
.feature-card {
  background: var(--bg-base);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-lg);
  padding: var(--space-8);
  transition: all var(--duration-slow) var(--ease);
  position: relative;
  overflow: hidden;
}
.feature-card::after {
  content: '';
  position: absolute;
  bottom: 0; left: 0; right: 0;
  height: 2px;
  background: var(--accent);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform var(--duration-slow) var(--ease);
}
.feature-card:hover { border-color: rgba(0,127,255,0.2); box-shadow: var(--shadow-md); transform: translateY(-3px); }
.feature-card:hover::after { transform: scaleX(1); }
.feature-icon { width: 48px; height: 48px; background: var(--accent-dim); border-radius: var(--radius-md); display: grid; place-items: center; margin-bottom: var(--space-5); }
.feature-icon svg { width: 22px; height: 22px; stroke: var(--accent); fill: none; stroke-width: 1.75; stroke-linecap: round; stroke-linejoin: round; }
.feature-title { font-size: 1rem; font-weight: 700; color: var(--brand-700); margin-bottom: var(--space-2); }
.feature-desc  { font-size: 0.875rem; color: var(--text-secondary); line-height: 1.65; }
.feature-tags  { display: flex; flex-wrap: wrap; gap: var(--space-2); margin-top: var(--space-5); }
.feature-tag   { font-size: 11px; color: var(--text-tertiary); background: var(--bg-subtle); border: 1px solid var(--border-light); border-radius: var(--radius-sm); padding: 3px 10px; }

/* ─── SPLIT SECTIONS ─────────────────────────────────────── */
.split-section { padding: var(--space-20) 0; }
.split-section.bg-subtle { background: var(--bg-subtle); }
.split-inner { display: grid; grid-template-columns: 1fr 1fr; gap: var(--space-16); align-items: center; }
.split-inner.reverse { direction: rtl; }
.split-inner.reverse > * { direction: ltr; }
.split-image { border-radius: var(--radius-xl); overflow: hidden; height: 440px; position: relative; box-shadow: var(--shadow-lg); }
.split-image-badge {
  position: absolute; top: var(--space-5); right: var(--space-5);
  background: rgba(0,25,38,0.82);
  backdrop-filter: blur(16px); -webkit-backdrop-filter: blur(16px);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: var(--radius-md);
  padding: var(--space-3) var(--space-4);
}
.split-image-badge-val { font-family: var(--font-display); font-size: 22px; font-weight: 700; color: #fff; }
.split-image-badge-val em { color: rgba(100,210,230,0.9); font-style: normal; }
.split-image-badge-label { font-family: var(--font-body); font-size: 11px; color: rgba(255,255,255,0.45); margin-top: 2px; }
.split-cta { margin-top: var(--space-8); }

/* ─── STATS ──────────────────────────────────────────────── */
.stats-section { background: var(--brand-700); padding: var(--space-20) 0; position: relative; overflow: hidden; }
.stats-section::before {
  content: ''; position: absolute; right: -10%; top: -40%;
  width: 600px; height: 600px; border-radius: 50%;
  background: radial-gradient(circle, rgba(0,127,255,0.15) 0%, transparent 65%);
  pointer-events: none;
}
.stats-grid { display: grid; grid-template-columns: repeat(4,1fr); position: relative; z-index: 1; }
.stat-item { text-align: center; padding: var(--space-6) var(--space-4); position: relative; }
.stat-item:not(:last-child)::after { content: ''; position: absolute; right: 0; top: 20%; height: 60%; width: 1px; background: rgba(255,255,255,0.08); }
.stat-number {
  font-family: var(--font-display);
  font-size: clamp(2.25rem, 4vw, 3rem);
  font-weight: 700;
  color: #fff;
  line-height: 1;
  margin-bottom: var(--space-2);
}
.stat-number em { color: rgba(100,210,230,0.9); font-style: normal; }
.stat-label { font-family: var(--font-body); font-size: 13px; color: rgba(255,255,255,0.4); }

/* ─── TESTIMONIALS ───────────────────────────────────────── */
.testimonial-card { background: var(--bg-base); border: 1px solid var(--border-light); border-radius: var(--radius-lg); padding: var(--space-8); }
.testimonial-quote-mark { font-family: var(--font-display); font-size: 4rem; line-height: 0.7; color: var(--accent); opacity: 0.2; display: block; margin-bottom: var(--space-5); user-select: none; }
.testimonial-text { font-family: var(--font-body); font-size: 0.9375rem; color: var(--text-secondary); line-height: 1.78; font-style: italic; font-weight: 300; margin-bottom: var(--space-6); }
.testimonial-author { display: flex; align-items: center; gap: var(--space-3); }
.testimonial-avatar { width: 40px; height: 40px; border-radius: 50%; background: var(--accent-dim); display: grid; place-items: center; font-family: var(--font-display); font-size: 13px; font-weight: 700; color: var(--accent); flex-shrink: 0; }
.testimonial-name { font-size: 14px; font-weight: 600; color: var(--brand-700); }
.testimonial-role { font-family: var(--font-body); font-size: 12px; color: var(--text-tertiary); margin-top: 1px; }

/* ─── CTA SECTION ────────────────────────────────────────── */
.cta-section { background: var(--brand-700); padding: var(--space-20) 0; text-align: center; position: relative; overflow: hidden; }
.cta-section::before { content: ''; position: absolute; inset: 0; background: radial-gradient(ellipse 70% 80% at 50% 50%, rgba(0,127,255,0.14) 0%, transparent 70%); pointer-events: none; }
.cta-inner { position: relative; z-index: 1; }
.cta-title { font-family: var(--font-display); font-size: clamp(2rem, 4vw, 3rem); font-weight: 700; color: #fff; margin-bottom: var(--space-4); }
.cta-title em { color: rgba(100,210,230,0.9); font-style: normal; }
.cta-desc { font-family: var(--font-body); font-size: 1rem; color: rgba(255,255,255,0.5); max-width: 440px; margin: 0 auto var(--space-10); line-height: 1.7; font-weight: 300; }
.cta-buttons { display: flex; align-items: center; justify-content: center; gap: var(--space-4); flex-wrap: wrap; }

/* ─── FRAUD BAR ──────────────────────────────────────────── */
.fraud-bar { background: #fffbeb; border-top: 2px solid #f0c050; padding: var(--space-4) 0; }
.fraud-inner { display: flex; align-items: flex-start; gap: var(--space-4); }
.fraud-icon { width: 20px; height: 20px; flex-shrink: 0; margin-top: 1px; }
.fraud-icon svg { width: 20px; height: 20px; stroke: #92660a; fill: none; stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; }
.fraud-text { font-family: var(--font-body); font-size: 13px; color: #6b4a08; line-height: 1.65; }
.fraud-text strong { font-weight: 600; }
.fraud-text a { color: #92660a; text-decoration: underline; }

/* ─── FOOTER ─────────────────────────────────────────────── */
.footer { background: var(--brand-900); padding: var(--space-16) 0 var(--space-8); }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: var(--space-10); padding-bottom: var(--space-10); border-bottom: 1px solid rgba(255,255,255,0.06); margin-bottom: var(--space-8); }
.footer-brand {}
.footer-brand-logo { display: flex; align-items: center; gap: var(--space-3); margin-bottom: var(--space-5); text-decoration: none; }
.footer-brand-mark { width: 34px; height: 34px; background: var(--accent); border-radius: var(--radius-sm); display: grid; place-items: center; flex-shrink: 0; }
.footer-brand-mark svg { width: 18px; height: 18px; fill: none; stroke: #fff; stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; }
.footer-brand-name { font-family: var(--font-display); font-size: 15px; font-weight: 700; color: rgba(255,255,255,0.85); }
.footer-brand-sub  { font-family: var(--font-body); font-size: 9px; font-weight: 500; letter-spacing: 0.18em; text-transform: uppercase; color: rgba(255,255,255,0.3); }
.footer-desc { font-family: var(--font-body); font-size: 13px; color: rgba(255,255,255,0.35); line-height: 1.8; max-width: 240px; margin-bottom: var(--space-5); font-weight: 300; }
.footer-contact { font-family: var(--font-body); font-size: 12px; color: rgba(255,255,255,0.3); line-height: 2; }
.footer-contact a { color: rgba(0,180,255,0.6); transition: color var(--duration); }
.footer-contact a:hover { color: rgba(0,180,255,0.9); }
.footer-col-title { font-family: var(--font-body); font-size: 10px; font-weight: 600; letter-spacing: 0.12em; text-transform: uppercase; color: rgba(255,255,255,0.25); margin-bottom: var(--space-5); }
.footer-links { display: flex; flex-direction: column; gap: var(--space-3); }
.footer-links a { font-family: var(--font-body); font-size: 13.5px; color: rgba(255,255,255,0.45); font-weight: 300; transition: color var(--duration); }
.footer-links a:hover { color: rgba(255,255,255,0.85); }
.footer-bottom { display: flex; align-items: center; justify-content: space-between; flex-wrap: wrap; gap: var(--space-4); }
.footer-copy { font-family: var(--font-body); font-size: 12px; color: rgba(255,255,255,0.2); }
.footer-socials { display: flex; gap: var(--space-2); }
.social-btn { width: 32px; height: 32px; background: rgba(255,255,255,0.05); border: 1px solid rgba(255,255,255,0.08); border-radius: var(--radius-sm); display: grid; place-items: center; transition: all var(--duration) var(--ease); text-decoration: none; }
.social-btn svg { width: 14px; height: 14px; fill: none; stroke: rgba(255,255,255,0.35); stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; transition: stroke var(--duration); }
.social-btn:hover { background: rgba(0,127,255,0.15); border-color: rgba(0,127,255,0.3); }
.social-btn:hover svg { stroke: rgba(0,180,255,0.85); }

/* ─── COOKIE BANNER ──────────────────────────────────────── */
.cookie-banner { position: fixed; bottom: 0; left: 0; right: 0; background: rgba(0,20,32,0.97); backdrop-filter: blur(20px); -webkit-backdrop-filter: blur(20px); border-top: 1px solid rgba(0,127,255,0.15); padding: var(--space-4) 0; z-index: 500; }
.cookie-inner { display: flex; align-items: center; justify-content: space-between; gap: var(--space-8); flex-wrap: wrap; }
.cookie-text { font-family: var(--font-body); font-size: 13px; color: rgba(255,255,255,0.5); line-height: 1.6; flex: 1; min-width: 240px; }
.cookie-text strong { color: rgba(255,255,255,0.8); font-weight: 500; }
.cookie-text a { color: rgba(0,180,255,0.7); }
.cookie-actions { display: flex; gap: var(--space-3); flex-shrink: 0; }

/* ─── MODAL ──────────────────────────────────────────────── */
.modal-overlay { position: fixed; inset: 0; background: rgba(0,15,25,0.75); backdrop-filter: blur(8px); -webkit-backdrop-filter: blur(8px); z-index: 400; display: none; align-items: center; justify-content: center; padding: var(--space-6); }
.modal-overlay.open { display: flex; }
.modal { background: var(--bg-base); border-radius: var(--radius-xl); width: 100%; max-width: 520px; overflow: hidden; box-shadow: var(--shadow-xl); }
.modal-header { background: var(--brand-700); padding: var(--space-8) var(--space-8) var(--space-6); position: relative; }
.modal-close-btn { position: absolute; top: var(--space-5); right: var(--space-5); width: 30px; height: 30px; background: rgba(255,255,255,0.08); border: 1px solid rgba(255,255,255,0.12); border-radius: var(--radius-sm); display: grid; place-items: center; cursor: pointer; transition: background var(--duration); }
.modal-close-btn:hover { background: rgba(255,255,255,0.16); }
.modal-close-btn svg { width: 14px; height: 14px; stroke: rgba(255,255,255,0.6); stroke-width: 2; stroke-linecap: round; fill: none; }
.modal-eyebrow { font-family: var(--font-body); font-size: 10px; font-weight: 600; letter-spacing: 0.12em; text-transform: uppercase; color: rgba(0,180,255,0.7); margin-bottom: var(--space-2); }
.modal-title { font-family: var(--font-display); font-size: 22px; font-weight: 700; color: #fff; }
.modal-sub { font-family: var(--font-body); font-size: 13px; color: rgba(255,255,255,0.45); margin-top: var(--space-1); font-weight: 300; }
.modal-body { padding: var(--space-8); }
.modal-success { display: none; padding: var(--space-12) var(--space-8); text-align: center; }
.modal-success-icon { width: 56px; height: 56px; background: var(--accent-dim); border-radius: 50%; display: grid; place-items: center; margin: 0 auto var(--space-6); }
.modal-success-icon svg { width: 24px; height: 24px; stroke: var(--accent); fill: none; stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; }
.modal-success-title { font-family: var(--font-display); font-size: 20px; font-weight: 700; color: var(--brand-700); margin-bottom: var(--space-3); }
.modal-success-desc { font-family: var(--font-body); font-size: 14px; color: var(--text-secondary); line-height: 1.7; }
.modal-success-desc strong { color: var(--brand-700); font-weight: 600; }

/* ─── FORM ───────────────────────────────────────────────── */
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: var(--space-4); }
.form-group { margin-bottom: var(--space-4); }
.form-label { display: block; font-family: var(--font-body); font-size: 11px; font-weight: 600; letter-spacing: 0.08em; text-transform: uppercase; color: var(--grey-500); margin-bottom: var(--space-2); }
.form-input, .form-select {
  width: 100%;
  padding: 11px 14px;
  background: var(--bg-subtle);
  border: 1.5px solid var(--border-light);
  border-radius: var(--radius-md);
  font-size: 14px;
  font-family: var(--font-body);
  color: var(--text-primary);
  outline: none;
  transition: border-color var(--duration);
}
.form-input:focus, .form-select:focus { border-color: var(--accent); background: var(--bg-base); }
.form-input::placeholder { color: var(--grey-400); }
.form-select { cursor: pointer; appearance: none; background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%238fa3b1' stroke-width='1.5' fill='none' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 14px center; background-color: var(--bg-subtle); }
.form-select:focus { background-color: var(--bg-base); }
.form-disclaimer { font-family: var(--font-body); font-size: 11.5px; color: var(--text-tertiary); text-align: center; margin-top: var(--space-4); line-height: 1.55; }
.form-disclaimer a { color: var(--accent); }
.form-submit { width: 100%; margin-top: var(--space-2); }

/* ─── PAGE HERO (inner pages) ────────────────────────────── */
.page-hero { background: var(--brand-700); padding: var(--space-16) 0 var(--space-12); position: relative; overflow: hidden; }
.page-hero::before { content: ''; position: absolute; right: -10%; top: -40%; width: 500px; height: 500px; border-radius: 50%; background: radial-gradient(circle, rgba(0,127,255,0.15) 0%, transparent 65%); pointer-events: none; }
.page-hero-inner { position: relative; z-index: 1; display: grid; grid-template-columns: 1fr 360px; gap: var(--space-16); align-items: center; }
.breadcrumb { display: flex; align-items: center; gap: var(--space-2); font-family: var(--font-body); font-size: 12px; color: rgba(255,255,255,0.35); margin-bottom: var(--space-4); }
.breadcrumb a { color: rgba(0,180,255,0.65); transition: color var(--duration); }
.breadcrumb a:hover { color: rgba(0,180,255,0.9); }
.breadcrumb-sep { color: rgba(255,255,255,0.2); }
.page-hero-title { font-family: var(--font-display); font-size: clamp(2rem, 4vw, 3.25rem); font-weight: 700; color: #fff; margin-bottom: var(--space-4); }
.page-hero-title em { color: rgba(100,210,230,0.85); font-style: normal; }
.page-hero-desc { font-family: var(--font-body); font-size: 15px; color: rgba(255,255,255,0.5); line-height: 1.75; font-weight: 300; }
.doc-meta-card { background: rgba(255,255,255,0.06); border: 1px solid rgba(255,255,255,0.1); border-radius: var(--radius-lg); overflow: hidden; }
.doc-meta-row { display: flex; align-items: center; justify-content: space-between; padding: var(--space-4) var(--space-5); border-bottom: 1px solid rgba(255,255,255,0.06); font-family: var(--font-body); font-size: 13px; }
.doc-meta-row:last-child { border-bottom: none; }
.doc-meta-key { color: rgba(255,255,255,0.35); font-weight: 400; }
.doc-meta-val { color: rgba(255,255,255,0.8); font-weight: 500; text-align: right; }

/* ─── DOCUMENT LAYOUT ────────────────────────────────────── */
.doc-layout { max-width: var(--container); margin: 0 auto; padding: var(--space-12) var(--space-8); display: grid; grid-template-columns: 240px 1fr; gap: var(--space-10); align-items: start; }
.doc-sidebar { position: sticky; top: calc(var(--nav-height) + var(--space-6)); }
.doc-sidebar-label { font-family: var(--font-body); font-size: 10px; font-weight: 600; letter-spacing: 0.12em; text-transform: uppercase; color: var(--text-tertiary); margin-bottom: var(--space-4); }
.doc-sidebar-nav { display: flex; flex-direction: column; gap: 2px; }
.doc-sidebar-link { font-family: var(--font-body); font-size: 13px; color: var(--text-secondary); padding: 8px var(--space-3); border-radius: var(--radius-sm); border-left: 2px solid transparent; transition: all var(--duration) var(--ease); display: block; font-weight: 400; }
.doc-sidebar-link:hover { color: var(--brand-700); background: var(--accent-dim); border-left-color: var(--accent); }
.doc-sidebar-link.active { color: var(--accent); background: var(--accent-dim); border-left-color: var(--accent); font-weight: 500; }
.doc-content { background: var(--bg-base); border: 1px solid var(--border-light); border-radius: var(--radius-xl); overflow: hidden; }
.doc-content-inner { padding: var(--space-10) var(--space-12); }
.doc-section { padding-bottom: var(--space-10); margin-bottom: var(--space-10); border-bottom: 1px solid var(--border-light); }
.doc-section:last-child { border-bottom: none; padding-bottom: 0; margin-bottom: 0; }
.doc-section-badge { display: inline-block; background: var(--accent-dim); color: var(--accent); font-family: var(--font-body); font-size: 10px; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase; padding: 3px 10px; border-radius: var(--radius-sm); margin-bottom: var(--space-3); }
.doc-section h2 { font-family: var(--font-display); font-size: 1.25rem; font-weight: 700; color: var(--brand-700); margin-bottom: var(--space-5); }
.doc-section p { font-family: var(--font-body); font-size: 14.5px; color: var(--text-secondary); line-height: 1.82; margin-bottom: var(--space-4); font-weight: 300; }
.doc-section p:last-child { margin-bottom: 0; }
.doc-section ol, .doc-section ul { padding-left: var(--space-6); margin-top: var(--space-2); }
.doc-section li { font-family: var(--font-body); font-size: 14.5px; color: var(--text-secondary); line-height: 1.82; margin-bottom: var(--space-3); font-weight: 300; }
.doc-section li strong { color: var(--text-primary); font-weight: 500; }
.doc-callout { background: var(--bg-subtle); border: 1px solid var(--border-light); border-left: 3px solid var(--accent); border-radius: 0 var(--radius-md) var(--radius-md) 0; padding: var(--space-5) var(--space-6); margin: var(--space-6) 0; font-family: var(--font-body); font-size: 14px; color: var(--text-secondary); line-height: 1.7; }
.doc-callout strong { display: block; font-size: 14px; font-weight: 600; color: var(--brand-700); margin-bottom: var(--space-2); }
.doc-contact-box { background: var(--brand-700); border-radius: var(--radius-lg); padding: var(--space-8); margin-top: var(--space-8); }
.doc-contact-box h3 { font-family: var(--font-display); font-size: 18px; font-weight: 700; color: #fff; margin-bottom: var(--space-2); }
.doc-contact-box p { font-family: var(--font-body); font-size: 13.5px; color: rgba(255,255,255,0.5); line-height: 1.7; margin-bottom: var(--space-6); font-weight: 300; }
.doc-contact-items { display: flex; gap: var(--space-6); flex-wrap: wrap; }
.doc-contact-item { font-family: var(--font-body); font-size: 13px; color: rgba(255,255,255,0.45); display: flex; align-items: center; gap: var(--space-2); }
.doc-contact-item svg { width: 14px; height: 14px; stroke: rgba(0,180,255,0.6); fill: none; stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; flex-shrink: 0; }
.doc-contact-item a { color: rgba(0,180,255,0.75); }
.rights-grid { display: grid; grid-template-columns: 1fr 1fr; gap: var(--space-3); margin-top: var(--space-5); }
.right-card { background: var(--bg-subtle); border: 1px solid var(--border-light); border-radius: var(--radius-md); padding: var(--space-4) var(--space-5); display: flex; align-items: flex-start; gap: var(--space-3); }
.right-card-icon { width: 28px; height: 28px; background: var(--accent-dim); border-radius: var(--radius-sm); display: grid; place-items: center; flex-shrink: 0; }
.right-card-icon svg { width: 13px; height: 13px; stroke: var(--accent); fill: none; stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; }
.right-card-title { font-size: 13px; font-weight: 600; color: var(--brand-700); margin-bottom: 3px; }
.right-card-desc  { font-family: var(--font-body); font-size: 12px; color: var(--text-tertiary); line-height: 1.5; }

/* ─── BENEFITS GRID ──────────────────────────────────────── */
.benefits-section { background: var(--bg-base); padding: var(--space-20) 0; }
.benefits-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: var(--space-5); margin-top: var(--space-12); }

/* ─── UTILITIES ──────────────────────────────────────────── */
.sr-only { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border-width: 0; }

/* ─── RESPONSIVE ─────────────────────────────────────────── */
@media (max-width: 1024px) {
  .hero-inner { grid-template-columns: 1fr; gap: var(--space-10); }
  .hero-image-card { height: 360px; }
  .split-inner { grid-template-columns: 1fr; gap: var(--space-10); }
  .split-inner.reverse { direction: ltr; }
  .split-image { height: 340px; }
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .stat-item:nth-child(2)::after { display: none; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: var(--space-8); }
  .page-hero-inner { grid-template-columns: 1fr; gap: var(--space-8); }
  .doc-layout { grid-template-columns: 1fr; }
  .doc-sidebar { display: none; }
  .benefits-grid { grid-template-columns: repeat(2, 1fr); }
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .nav-links { display: none; }
  .nav-tel { display: none !important; }
  .nav-menu-toggle { display: flex; }
  .nav-actions .btn-outline-white { display: none; }
}

@media (max-width: 768px) {
  :root { --space-20: 56px; --space-24: 72px; }
  .container { padding: 0 var(--space-5); }
  .hero-inner { padding: 64px 0 72px; }
  .hero-image-card { height: 280px; }
  .hero-ctas { gap: var(--space-3); }
  .hero-ctas .btn { flex: 1; min-width: 140px; justify-content: center; }
  .split-image { height: 260px; }
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .stat-item:nth-child(2n)::after { display: none; }
  .grid-2, .grid-3 { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .trust-bar-inner { gap: var(--space-4); justify-content: flex-start; }
  .footer-grid { grid-template-columns: 1fr; }
  .doc-layout { padding: var(--space-8) var(--space-5); }
  .doc-content-inner { padding: var(--space-8); }
  .rights-grid { grid-template-columns: 1fr; }
  .page-hero-inner { grid-template-columns: 1fr; }
  .doc-meta-card { display: none; }
  .benefits-grid { grid-template-columns: 1fr; }
  .cta-buttons { flex-direction: column; align-items: stretch; }
  .cta-buttons .btn { justify-content: center; }
  .cookie-inner { flex-direction: column; align-items: flex-start; }
  .doc-contact-items { flex-direction: column; gap: var(--space-3); }
}

@media (max-width: 480px) {
  .hero-stats-card { flex-direction: column; gap: var(--space-4); }
  .hero-stat-divider { width: 100%; height: 1px; }
  .modal { border-radius: var(--radius-lg); }
  .modal-body { padding: var(--space-6); }
  .modal-header { padding: var(--space-6); }
  .feature-tags { gap: var(--space-1); }
}