/* ============================================================
   DESIGN TOKENS — change colors/fonts for the whole site here
   ============================================================ */
:root {
  --font-display: "Fraunces", "Georgia", serif;
  --font-sans: "Inter", ui-sans-serif, system-ui, sans-serif;

  --ink: #10151f;
  --ink-soft: #333c4d;

  --navy-950: #060b16;
  --navy-900: #0a1226;
  --navy-800: #0f1c38;
  --navy-700: #16294d;
  --navy-600: #1d3563;

  --gold-300: #e2c479;
  --gold-400: #d4af5a;
  --gold-500: #c19a3e;
  --gold-600: #a17c2c;

  --emerald-500: #147d6f;

  --cream-50: #fdfbf6;
  --cream-100: #faf5ea;

  --rose-400: #f87171;
  --rose-50: #fef2f2;
}

/* ============================================================
   RESET & BASE
   ============================================================ */
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--font-sans);
  color: var(--ink);
  background-color: var(--cream-50);
  -webkit-font-smoothing: antialiased;
}
img, svg { display: block; max-width: 100%; }
a { color: inherit; text-decoration: none; }
ul { list-style: none; margin: 0; padding: 0; }
h1, h2, h3, h4, p { margin: 0; }
button { font: inherit; cursor: pointer; border: none; background: none; color: inherit; }
input, select, textarea { font: inherit; }

::selection { background-color: var(--gold-400); color: var(--navy-950); }

::-webkit-scrollbar { width: 10px; }
::-webkit-scrollbar-track { background: var(--cream-100); }
::-webkit-scrollbar-thumb { background: var(--navy-600); border-radius: 999px; }

.container {
  max-width: 1280px;
  margin: 0 auto;
  padding: 0 24px;
}

.icon {
  width: 18px;
  height: 18px;
  flex-shrink: 0;
}
.icon-emerald { color: var(--emerald-500); }
.icon-lg { width: 48px; height: 48px; }

.italic-gold { font-style: italic; color: var(--gold-300); }

/* ============================================================
   BUTTONS
   ============================================================ */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  border-radius: 999px;
  padding: 14px 30px;
  font-size: 14px;
  font-weight: 600;
  transition: all 0.25s ease;
  white-space: nowrap;
}
.btn .icon { width: 16px; height: 16px; }
.btn-primary {
  background: var(--navy-900);
  color: var(--cream-50);
  box-shadow: 0 16px 40px -14px rgba(10, 18, 38, 0.5);
}
.btn-primary:hover { background: var(--gold-500); color: var(--navy-950); }
.btn-gold {
  background: var(--gold-400);
  color: var(--navy-950);
  box-shadow: 0 16px 40px -12px rgba(212, 175, 90, 0.6);
}
.btn-gold:hover { background: var(--gold-300); }
.btn-outline-light {
  border: 1px solid rgba(253, 251, 246, 0.2);
  color: var(--cream-50);
}
.btn-outline-light:hover { border-color: rgba(253, 251, 246, 0.5); background: rgba(255, 255, 255, 0.05); }
.btn-outline-dark {
  border: 1px solid rgba(10, 18, 38, 0.15);
  color: var(--navy-900);
}
.btn-outline-dark:hover { background: var(--navy-900); color: var(--cream-50); }

/* ============================================================
   SECTION HEADINGS — shared across sections
   ============================================================ */
.eyebrow {
  font-size: 13px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.2em;
  color: var(--gold-600);
}
.eyebrow-light { color: var(--gold-400); }
.section-title {
  margin-top: 16px;
  font-family: var(--font-display);
  font-size: 44px;
  font-weight: 600;
  line-height: 1.15;
}
.section-title.dark { color: var(--navy-900); }
.section-title.light { color: var(--cream-50); }
.section-head { max-width: 640px; margin: 0 auto; text-align: center; }
.section-sub { margin-top: 20px; font-size: 18px; color: rgba(250, 245, 234, 0.65); }
.section-sub-dark { margin-top: 20px; font-size: 18px; color: var(--ink-soft); }

@media (max-width: 640px) {
  .section-title { font-size: 32px; }
}

/* ============================================================
   SCROLL-REVEAL ANIMATION
   Elements with .reveal (or .reveal-in) start hidden and get a
   "visible" class added by script.js via IntersectionObserver.
   Stagger by setting the --d custom property inline.
   ============================================================ */
.reveal {
  opacity: 0;
  transform: translateY(28px);
  transition: opacity 0.7s cubic-bezier(0.16, 1, 0.3, 1), transform 0.7s cubic-bezier(0.16, 1, 0.3, 1);
  transition-delay: var(--d, 0s);
}
.reveal.visible { opacity: 1; transform: translateY(0); }

.reveal-in {
  opacity: 0;
  transform: translateY(24px);
  animation: revealIn 0.7s cubic-bezier(0.16, 1, 0.3, 1) forwards;
  animation-delay: var(--d, 0s);
}
@keyframes revealIn {
  to { opacity: 1; transform: translateY(0); }
}

/* ============================================================
   HEADER
   ============================================================ */
.site-header {
  position: fixed;
  inset: 0 0 auto 0;
  z-index: 50;
}
.topbar {
  overflow: hidden;
  max-height: 48px;
  opacity: 1;
  background: var(--navy-950);
  color: rgba(250, 245, 234, 0.8);
  transition: max-height 0.5s ease, opacity 0.5s ease;
}
.site-header.scrolled .topbar { max-height: 0; opacity: 0; }
.topbar-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 8px 24px;
  font-size: 12px;
  letter-spacing: 0.02em;
}
.topbar-note { display: flex; align-items: center; gap: 8px; color: rgba(226, 196, 121, 0.9); }
.topbar-note .icon { width: 14px; height: 14px; }
.topbar-contact { display: flex; align-items: center; gap: 24px; }
.topbar-contact a { display: flex; align-items: center; gap: 6px; transition: color 0.2s; }
.topbar-contact a .icon { width: 14px; height: 14px; }
.topbar-contact a:hover { color: var(--gold-300); }
@media (max-width: 900px) { .topbar { display: none; } }

.navbar-wrap { transition: background-color 0.4s ease, box-shadow 0.4s ease, backdrop-filter 0.4s ease; }
.site-header.scrolled .navbar-wrap {
  background: rgba(253, 251, 246, 0.9);
  backdrop-filter: blur(10px);
  box-shadow: 0 8px 30px -12px rgba(10, 18, 38, 0.25);
}
.navbar {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 16px 24px;
}
.brand { display: flex; align-items: center; gap: 12px; }
.brand-mark {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 44px;
  height: 44px;
  border-radius: 999px;
  background: var(--navy-900);
  box-shadow: 0 0 0 1px rgba(212, 175, 90, 0.4) inset;
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 17px;
  color: var(--gold-300);
}
.brand-text { display: flex; flex-direction: column; line-height: 1.2; }
.brand-name {
  font-family: var(--font-display);
  font-size: 18px;
  font-weight: 600;
  letter-spacing: -0.01em;
  color: var(--cream-50);
  transition: color 0.4s ease;
}
.site-header.scrolled .brand-name { color: var(--navy-900); }
.brand-tag { font-size: 11px; text-transform: uppercase; letter-spacing: 0.14em; color: var(--gold-400); }

.nav-links { display: none; align-items: center; gap: 36px; }
.nav-links a {
  position: relative;
  font-size: 14px;
  font-weight: 500;
  color: rgba(253, 251, 246, 0.85);
  transition: color 0.3s;
}
.site-header.scrolled .nav-links a { color: rgba(15, 28, 56, 0.8); }
.nav-links a::after {
  content: "";
  position: absolute;
  left: 0;
  bottom: -6px;
  width: 0;
  height: 2px;
  background: var(--gold-500);
  transition: width 0.3s;
}
.nav-links a:hover::after { width: 100%; }
.nav-links a:hover { color: var(--cream-50); }
.site-header.scrolled .nav-links a:hover { color: var(--navy-900); }

.nav-cta { display: none; }
.menu-toggle { padding: 8px; color: var(--cream-50); transition: color 0.4s ease; }
.site-header.scrolled .menu-toggle { color: var(--navy-900); }

@media (min-width: 1024px) {
  .nav-links { display: flex; }
  .nav-cta { display: inline-flex; }
  .menu-toggle { display: none; }
}

.mobile-menu {
  position: fixed;
  inset: 0;
  z-index: 60;
  background: rgba(6, 11, 22, 0.98);
  backdrop-filter: blur(4px);
  display: flex;
  flex-direction: column;
  transform: translateX(100%);
  transition: transform 0.35s ease;
}
.mobile-menu.open { transform: translateX(0); }
.mobile-menu-head { display: flex; align-items: center; justify-content: space-between; padding: 20px 24px; }
.mobile-nav-links { padding: 24px; display: flex; flex-direction: column; }
.mobile-nav-links a {
  display: block;
  padding: 16px 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
  font-family: var(--font-display);
  font-size: 26px;
  color: rgba(253, 251, 246, 0.9);
}
.mobile-menu-contact { margin-top: 24px; padding: 0 24px; display: flex; flex-direction: column; gap: 16px; color: rgba(250, 245, 234, 0.8); }
.mobile-menu-contact a { display: flex; align-items: center; gap: 8px; font-size: 14px; }
.mobile-menu-contact .icon { color: var(--gold-400); }

@media (min-width: 1024px) { .mobile-menu { display: none; } }

/* ============================================================
   HERO
   ============================================================ */
.hero {
  position: relative;
  overflow: hidden;
  background: var(--navy-950);
  padding: 160px 0 112px;
}
.hero-bg-glow { position: absolute; border-radius: 50%; pointer-events: none; filter: blur(120px); }
.hero-bg-glow-a { top: -160px; left: -160px; width: 520px; height: 520px; background: rgba(29, 53, 99, 0.4); }
.hero-bg-glow-b { top: 40px; right: -10%; width: 420px; height: 420px; background: rgba(212, 175, 90, 0.2); }
.hero-bg-grid {
  position: absolute;
  inset: 0;
  opacity: 0.05;
  background-image: linear-gradient(#fff 1px, transparent 1px), linear-gradient(90deg, #fff 1px, transparent 1px);
  background-size: 64px 64px;
}
.hero-grid {
  position: relative;
  display: grid;
  grid-template-columns: 1fr;
  gap: 64px;
  align-items: center;
}
.hero-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  margin-bottom: 28px;
  padding: 6px 16px;
  border-radius: 999px;
  border: 1px solid rgba(212, 175, 90, 0.3);
  background: rgba(212, 175, 90, 0.1);
  font-size: 13px;
  font-weight: 500;
  letter-spacing: 0.02em;
  color: var(--gold-300);
}
.hero-eyebrow .icon { width: 14px; height: 14px; }
.hero-title {
  font-family: var(--font-display);
  font-size: 48px;
  font-weight: 600;
  line-height: 1.08;
  color: var(--cream-50);
  text-wrap: balance;
}
.hero-sub { margin-top: 24px; max-width: 560px; font-size: 18px; line-height: 1.6; color: rgba(250, 245, 234, 0.7); }
.hero-cta { margin-top: 36px; display: flex; flex-wrap: wrap; gap: 16px; }
.hero-badges { margin-top: 48px; display: grid; grid-template-columns: repeat(2, 1fr); gap: 16px 24px; }
.hero-badges span { display: flex; align-items: center; gap: 8px; font-size: 14px; color: rgba(250, 245, 234, 0.8); }

@media (min-width: 640px) { .hero-badges { grid-template-columns: repeat(4, 1fr); } }
@media (min-width: 1024px) {
  .hero-grid { grid-template-columns: 1.1fr 0.9fr; }
  .hero-title { font-size: 67px; }
}

.hero-graphic { position: relative; display: none; margin: 0 auto; aspect-ratio: 1; width: 100%; max-width: 420px; }
@media (min-width: 1024px) { .hero-graphic { display: block; } }
.hero-graphic-panel {
  position: absolute;
  inset: 24px;
  border-radius: 40px;
  border: 1px solid rgba(255, 255, 255, 0.1);
  background: linear-gradient(to bottom right, rgba(22, 41, 77, 0.6), rgba(10, 18, 38, 0.6));
  backdrop-filter: blur(4px);
}
.hero-graphic-line { position: absolute; inset: 24px; width: calc(100% - 48px); height: calc(100% - 48px); }
#growth-path {
  stroke-dasharray: 420;
  stroke-dashoffset: 420;
  animation: drawPath 1.8s 0.6s ease-out forwards;
}
@keyframes drawPath { to { stroke-dashoffset: 0; } }
.hero-graphic-line .dot { opacity: 0; animation: dotIn 0.4s ease-out forwards; animation-delay: var(--dd); }
@keyframes dotIn { to { opacity: 1; } }

.float-card {
  position: absolute;
  border-radius: 16px;
  border: 1px solid rgba(255, 255, 255, 0.1);
  background: rgba(15, 28, 56, 0.9);
  padding: 16px;
  box-shadow: 0 20px 50px -12px rgba(0, 0, 0, 0.5);
  backdrop-filter: blur(6px);
  opacity: 0;
  animation: revealIn 0.6s ease forwards;
}
.float-label { font-size: 12px; color: rgba(250, 245, 234, 0.6); }
.float-value { margin-top: 2px; font-family: var(--font-display); font-size: 22px; font-weight: 600; }
.float-value.gold { color: var(--gold-300); }
.float-value.emerald { color: var(--emerald-500); }
.float-card-a { left: -16px; top: 40px; animation-delay: 0.9s; }
.float-card-b { right: -8px; bottom: 64px; animation-delay: 1.1s; }
.float-card-a { animation-name: revealIn, floatSlow; animation-duration: 0.6s, 7s; animation-delay: 0.9s, 1.5s; animation-iteration-count: 1, infinite; animation-timing-function: ease, ease-in-out; }
.float-card-b { animation-name: revealIn, floatSlower; animation-duration: 0.6s, 9s; animation-delay: 1.1s, 1.7s; animation-iteration-count: 1, infinite; animation-timing-function: ease, ease-in-out; }
@keyframes floatSlow { 0%, 100% { transform: translateY(0) rotate(0); } 50% { transform: translateY(-16px) rotate(2deg); } }
@keyframes floatSlower { 0%, 100% { transform: translateY(0); } 50% { transform: translateY(14px); } }

.float-pill {
  position: absolute;
  left: 32px;
  bottom: 16px;
  display: flex;
  align-items: center;
  gap: 8px;
  padding: 8px 16px;
  border-radius: 999px;
  border: 1px solid rgba(212, 175, 90, 0.3);
  background: rgba(10, 18, 38, 0.9);
  font-size: 12px;
  font-weight: 500;
  color: var(--cream-50);
  box-shadow: 0 12px 30px -8px rgba(0, 0, 0, 0.5);
  backdrop-filter: blur(6px);
  opacity: 0;
  animation: revealIn 0.6s ease forwards;
  animation-delay: 1.3s;
}
.pulse-dot { width: 8px; height: 8px; border-radius: 50%; background: var(--emerald-500); animation: pulse 1.6s ease-in-out infinite; }
@keyframes pulse { 0%, 100% { opacity: 1; } 50% { opacity: 0.4; } }

/* ============================================================
   ABOUT
   ============================================================ */
.about { padding: 112px 0; background: var(--cream-50); }
.about-grid { display: grid; grid-template-columns: 1fr; gap: 64px; align-items: center; }
@media (min-width: 1024px) { .about-grid { grid-template-columns: 1fr 1fr; } }
.lead { margin-top: 24px; font-size: 18px; line-height: 1.6; color: var(--ink-soft); }
.rule { margin-top: 32px; width: 96px; height: 1px; background: var(--gold-400); }

.about-cards { display: grid; grid-template-columns: 1fr; gap: 24px; }
@media (min-width: 640px) { .about-cards { grid-template-columns: 1fr 1fr; } }
.card {
  border-radius: 24px;
  padding: 32px;
}
.card-not { border: 1px solid rgba(10, 18, 38, 0.1); background: #fff; box-shadow: 0 20px 60px -30px rgba(10, 18, 38, 0.25); }
.card-are { background: var(--navy-900); color: var(--cream-50); box-shadow: 0 20px 60px -30px rgba(10, 18, 38, 0.5); }
@media (min-width: 640px) { .card-are { margin-top: 40px; } }
.card-icon { display: flex; align-items: center; justify-content: center; width: 48px; height: 48px; border-radius: 16px; margin-bottom: 20px; }
.card-icon .icon { width: 24px; height: 24px; }
.card-icon-rose { background: var(--rose-50); color: var(--rose-400); }
.card-icon-emerald { background: rgba(20, 125, 111, 0.15); color: var(--emerald-500); }
.card h3 { font-family: var(--font-display); font-size: 20px; font-weight: 600; }
.card ul { margin-top: 16px; display: flex; flex-direction: column; gap: 12px; }
.card ul li { position: relative; padding-left: 16px; font-size: 14px; }
.card-not ul li { color: var(--ink-soft); }
.card-are ul li { color: rgba(250, 245, 234, 0.75); }
.card ul li::before { content: ""; position: absolute; left: 0; top: 8px; width: 4px; height: 4px; border-radius: 50%; }
.card-not ul li::before { background: var(--rose-400); }
.card-are ul li::before { background: var(--gold-400); }

/* ============================================================
   SERVICES
   ============================================================ */
.services { position: relative; background: var(--navy-950); padding: 112px 0; }
.service-grid { margin-top: 64px; display: grid; grid-template-columns: 1fr; gap: 24px; }
@media (min-width: 768px) { .service-grid { grid-template-columns: 1fr 1fr; } }
@media (min-width: 1024px) { .service-grid { grid-template-columns: repeat(3, 1fr); } }

.service-card {
  position: relative;
  overflow: hidden;
  border-radius: 24px;
  border: 1px solid rgba(255, 255, 255, 0.1);
  background: rgba(15, 28, 56, 0.6);
  padding: 32px;
  transition: transform 0.5s ease, border-color 0.5s ease, box-shadow 0.5s ease;
}
.service-card:hover { transform: translateY(-8px); border-color: rgba(212, 175, 90, 0.4); box-shadow: 0 30px 80px -20px rgba(212, 175, 90, 0.25); }
.service-glow { position: absolute; top: -40px; right: -40px; width: 160px; height: 160px; border-radius: 50%; opacity: 0.2; filter: blur(48px); transition: opacity 0.5s; }
.service-card:hover .service-glow { opacity: 0.4; }
.service-glow-navy { background: linear-gradient(to bottom right, var(--navy-700), var(--navy-900)); }
.service-glow-emerald { background: linear-gradient(to bottom right, var(--emerald-500), var(--navy-900)); }
.service-glow-gold { background: linear-gradient(to bottom right, var(--gold-500), var(--navy-900)); }
.service-icon {
  position: relative;
  display: flex;
  align-items: center;
  justify-content: center;
  width: 56px;
  height: 56px;
  border-radius: 16px;
  background: rgba(255, 255, 255, 0.05);
  box-shadow: 0 0 0 1px rgba(255, 255, 255, 0.1) inset;
  transition: box-shadow 0.5s;
}
.service-card:hover .service-icon { box-shadow: 0 0 0 1px rgba(212, 175, 90, 0.5) inset; }
.service-icon .icon { width: 28px; height: 28px; color: var(--gold-300); }
.service-card h3 { position: relative; margin-top: 24px; font-family: var(--font-display); font-size: 20px; font-weight: 600; color: var(--cream-50); }
.service-card > p { position: relative; margin-top: 12px; font-size: 14px; line-height: 1.6; color: rgba(250, 245, 234, 0.6); }
.service-card dl { position: relative; margin-top: 24px; display: flex; flex-direction: column; gap: 8px; padding-top: 20px; border-top: 1px solid rgba(255, 255, 255, 0.1); }
.service-card dl div { display: flex; align-items: center; justify-content: space-between; font-size: 12px; }
.service-card dl dt { color: rgba(250, 245, 234, 0.45); }
.service-card dl dd { margin: 0; font-weight: 500; color: rgba(250, 245, 234, 0.85); }

/* ============================================================
   HOW IT WORKS
   ============================================================ */
.how-it-works { padding: 112px 0; background: var(--cream-50); }
.steps { position: relative; margin-top: 80px; display: grid; grid-template-columns: 1fr; gap: 48px; }
@media (min-width: 640px) { .steps { grid-template-columns: 1fr 1fr; } }
@media (min-width: 1024px) { .steps { grid-template-columns: repeat(4, 1fr); } }
.steps-line { display: none; }
@media (min-width: 1024px) {
  .steps-line { display: block; position: absolute; top: 32px; left: 0; width: 100%; height: 1px; background: linear-gradient(to right, transparent, rgba(10, 18, 38, 0.15), transparent); }
}
.step { position: relative; }
.step-icon {
  position: relative;
  display: flex;
  align-items: center;
  justify-content: center;
  width: 64px;
  height: 64px;
  border-radius: 16px;
  background: var(--navy-900);
  box-shadow: 0 16px 40px -14px rgba(10, 18, 38, 0.5);
}
.step-icon .icon { width: 28px; height: 28px; color: var(--gold-300); }
.step-num {
  position: absolute;
  top: -8px;
  right: -8px;
  display: flex;
  align-items: center;
  justify-content: center;
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: var(--gold-400);
  box-shadow: 0 0 0 4px var(--cream-50);
  font-family: var(--font-display);
  font-size: 12px;
  font-weight: 700;
  color: var(--navy-950);
}
.step h3 { margin-top: 24px; font-family: var(--font-display); font-size: 18px; font-weight: 600; color: var(--navy-900); }
.step p { margin-top: 8px; font-size: 14px; line-height: 1.6; color: var(--ink-soft); }

/* ============================================================
   WHY CHOOSE US
   ============================================================ */
.why-us { position: relative; background: var(--navy-900); padding: 112px 0; }
.feature-grid {
  margin-top: 64px;
  display: grid;
  grid-template-columns: 1fr;
  gap: 1px;
  overflow: hidden;
  border-radius: 24px;
  background: rgba(255, 255, 255, 0.1);
}
@media (min-width: 640px) { .feature-grid { grid-template-columns: 1fr 1fr; } }
@media (min-width: 1024px) { .feature-grid { grid-template-columns: repeat(4, 1fr); } }
.feature { background: var(--navy-900); padding: 32px; transition: background-color 0.3s; }
.feature:hover { background: var(--navy-800); }
.feature .icon { width: 32px; height: 32px; color: var(--gold-400); transition: transform 0.3s; }
.feature:hover .icon { transform: scale(1.1); }
.feature h3 { margin-top: 20px; font-family: var(--font-display); font-size: 16px; font-weight: 600; color: var(--cream-50); }
.feature p { margin-top: 8px; font-size: 14px; line-height: 1.6; color: rgba(250, 245, 234, 0.55); }

/* ============================================================
   BANK PARTNERS
   ============================================================ */
.banks { position: relative; background: var(--cream-100); padding: 112px 0 0; }
.banks-more { margin-top: 40px; text-align: center; font-size: 14px; font-style: italic; color: rgba(51, 60, 77, 0.7); padding-bottom: 112px; }
.marquee { position: relative; margin-top: 64px; overflow: hidden; padding: 4px 0; }
.marquee::before, .marquee::after {
  content: "";
  position: absolute;
  inset: 0 auto 0 0;
  z-index: 1;
  width: 96px;
  pointer-events: none;
  background: linear-gradient(to right, var(--cream-100), transparent);
}
.marquee::after { inset: 0 0 0 auto; left: auto; background: linear-gradient(to left, var(--cream-100), transparent); }
.marquee-track {
  display: flex;
  width: max-content;
  gap: 20px;
  animation: marquee 32s linear infinite;
}
@keyframes marquee { from { transform: translateX(0); } to { transform: translateX(-50%); } }
.bank-chip {
  display: flex;
  align-items: center;
  gap: 12px;
  width: 256px;
  flex-shrink: 0;
  border-radius: 16px;
  border: 1px solid rgba(10, 18, 38, 0.1);
  background: #fff;
  padding: 20px 24px;
  box-shadow: 0 2px 6px rgba(10, 18, 38, 0.04);
  font-weight: 500;
  color: var(--navy-900);
}
.bank-chip .icon { width: 20px; height: 20px; padding: 10px; box-sizing: content-box; border-radius: 12px; background: rgba(10, 18, 38, 0.05); color: var(--navy-800); }

/* ============================================================
   TESTIMONIALS
   ============================================================ */
.testimonials { position: relative; background: var(--navy-950); padding: 112px 0; }
.testimonials-inner { max-width: 860px; }
.testimonial-viewport { position: relative; margin-top: 64px; min-height: 300px; overflow: hidden; }
.quote-mark { width: 40px; height: 40px; margin: 0 auto; color: rgba(212, 175, 90, 0.4); }
.testimonial-slide {
  position: absolute;
  inset: 0;
  top: 56px;
  opacity: 0;
  transform: translateX(24px);
  transition: opacity 0.5s cubic-bezier(0.16, 1, 0.3, 1), transform 0.5s cubic-bezier(0.16, 1, 0.3, 1);
  pointer-events: none;
  text-align: center;
}
.testimonial-slide.active { opacity: 1; transform: translateX(0); pointer-events: auto; position: relative; }
.stars { display: flex; justify-content: center; gap: 4px; margin-bottom: 20px; }
.stars .icon { width: 16px; height: 16px; color: var(--gold-400); }
.testimonial-quote {
  max-width: 680px;
  margin: 0 auto;
  font-family: var(--font-display);
  font-size: 24px;
  font-style: italic;
  line-height: 1.5;
  color: rgba(253, 251, 246, 0.9);
}
.testimonial-name { margin-top: 32px; font-weight: 600; color: var(--cream-50); }
.testimonial-role { font-size: 14px; color: rgba(250, 245, 234, 0.5); }

.testimonial-controls { margin-top: 48px; display: flex; align-items: center; justify-content: center; gap: 24px; }
.carousel-btn {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 44px;
  height: 44px;
  border-radius: 50%;
  border: 1px solid rgba(255, 255, 255, 0.15);
  color: var(--cream-50);
  transition: border-color 0.2s, color 0.2s;
}
.carousel-btn:hover { border-color: var(--gold-400); color: var(--gold-300); }
.dots { display: flex; gap: 8px; }
.dot { width: 8px; height: 8px; border-radius: 999px; background: rgba(255, 255, 255, 0.2); transition: all 0.3s; }
.dot.active { width: 32px; background: var(--gold-400); }

/* ============================================================
   STATS
   ============================================================ */
.stats { background: var(--cream-50); padding: 96px 0; }
.stats-card {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  row-gap: 48px;
  border-radius: 32px;
  border: 1px solid rgba(10, 18, 38, 0.1);
  background: #fff;
  padding: 56px 32px;
  box-shadow: 0 30px 80px -40px rgba(10, 18, 38, 0.25);
}
@media (min-width: 640px) { .stats-card { grid-template-columns: repeat(3, 1fr); } }
@media (min-width: 1024px) { .stats-card { grid-template-columns: repeat(5, 1fr); } }
.stat { text-align: center; }
.stat-value { font-family: var(--font-display); font-size: 40px; font-weight: 700; color: var(--navy-900); }
.stat-label { margin-top: 8px; font-size: 13px; font-weight: 500; text-transform: uppercase; letter-spacing: 0.03em; color: var(--gold-600); }
@media (min-width: 640px) { .stat-value { font-size: 48px; } }

/* ============================================================
   DISCLAIMER
   ============================================================ */
.disclaimer-section { background: var(--cream-50); padding: 32px 0 4px; }
.disclaimer-box {
  max-width: 960px;
  margin: 0 auto;
  display: flex;
  gap: 16px;
  border-radius: 16px;
  border: 1px solid rgba(212, 175, 90, 0.4);
  background: #fbf6e9;
  padding: 24px 32px;
}
.disclaimer-box .icon { width: 24px; height: 24px; color: var(--gold-600); margin-top: 2px; }
.disclaimer-box h3 { font-family: var(--font-display); font-size: 18px; font-weight: 600; color: var(--navy-900); }
.disclaimer-box p { margin-top: 8px; font-size: 14px; line-height: 1.6; color: var(--ink-soft); }

/* ============================================================
   CONTACT
   ============================================================ */
.contact { position: relative; background: var(--cream-100); padding: 112px 0; }
.contact-grid { margin-top: 64px; display: grid; grid-template-columns: 1fr; gap: 40px; }
@media (min-width: 1024px) { .contact-grid { grid-template-columns: 1.3fr 1fr; } }

.consent-group { display: flex; flex-direction: column; gap: 14px; }
.consent-item {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 13px;
  line-height: 1.5;
  color: var(--ink-soft);
  cursor: pointer;
}
.consent-item input[type="checkbox"] {
  flex-shrink: 0;
  width: 18px;
  height: 18px;
  margin-top: 2px;
  accent-color: var(--gold-500);
  cursor: pointer;
}

.form-warning {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  border-radius: 12px;
  border: 1px solid rgba(248, 113, 113, 0.35);
  background: var(--rose-50);
  padding: 14px 18px;
}
.form-warning .icon { width: 20px; height: 20px; color: var(--rose-400); margin-top: 2px; flex-shrink: 0; }
.form-warning p { font-size: 13px; line-height: 1.5; color: var(--ink-soft); }
.form-warning strong { color: var(--navy-900); }



.form-card {
  border-radius: 32px;
  border: 1px solid rgba(10, 18, 38, 0.1);
  background: #fff;
  padding: 32px;
  box-shadow: 0 30px 80px -40px rgba(10, 18, 38, 0.25);
}
@media (min-width: 640px) { .form-card { padding: 40px; } }
.enquiry-form { display: grid; grid-template-columns: 1fr; gap: 20px; }
@media (min-width: 640px) { .enquiry-form { grid-template-columns: 1fr 1fr; } }
.field-full { grid-column: 1 / -1; }
.field label { display: block; margin-bottom: 6px; font-size: 12px; font-weight: 600; text-transform: uppercase; letter-spacing: 0.02em; color: rgba(10, 18, 38, 0.6); }
.field input, .field select, .field textarea {
  width: 100%;
  border-radius: 12px;
  border: 1px solid rgba(10, 18, 38, 0.15);
  background: #fff;
  padding: 12px 16px;
  font-size: 14px;
  color: var(--navy-900);
  outline: none;
  transition: border-color 0.2s, box-shadow 0.2s;
}
.field input::placeholder, .field textarea::placeholder { color: rgba(10, 18, 38, 0.35); }
.field input:focus, .field select:focus, .field textarea:focus { border-color: var(--gold-500); box-shadow: 0 0 0 4px rgba(212, 175, 90, 0.15); }
.field textarea { resize: none; }
.form-note { margin-top: 16px; font-size: 12px; line-height: 1.6; color: rgba(51, 60, 77, 0.7); }

.form-success { display: none; flex-direction: column; align-items: center; justify-content: center; padding: 64px 0; text-align: center; }
.form-success.visible { display: flex; }
.form-success h3 { margin-top: 24px; font-family: var(--font-display); font-size: 24px; font-weight: 600; color: var(--navy-900); }
.form-success p { margin-top: 8px; max-width: 360px; font-size: 14px; color: var(--ink-soft); }
.form-success button { margin-top: 32px; }

.contact-side { display: flex; flex-direction: column; gap: 24px; }
.contact-card-dark { border-radius: 32px; background: var(--navy-900); color: var(--cream-50); padding: 32px; }
.contact-card-dark h3 { font-family: var(--font-display); font-size: 20px; font-weight: 600; }
.contact-info { margin-top: 24px; display: flex; flex-direction: column; gap: 20px; }
.contact-info > div { display: flex; align-items: flex-start; gap: 12px; }
.contact-info .icon { color: var(--gold-400); margin-top: 2px; }
.contact-info p, .contact-info a { font-size: 14px; line-height: 1.6; color: rgba(250, 245, 234, 0.75); }
.contact-info a:hover { color: var(--cream-50); }
.social-links { margin-top: 32px; display: flex; gap: 12px; border-top: 1px solid rgba(255, 255, 255, 0.1); padding-top: 24px; }
.social-links a {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 40px;
  height: 40px;
  border-radius: 50%;
  border: 1px solid rgba(255, 255, 255, 0.15);
  color: rgba(250, 245, 234, 0.7);
  transition: border-color 0.2s, color 0.2s;
}
.social-links a:hover { border-color: var(--gold-400); color: var(--gold-300); }

.contact-card-light { border-radius: 32px; border: 1px solid rgba(10, 18, 38, 0.1); background: #fff; padding: 32px; }
.cta-title { font-size: 14px; font-weight: 600; color: var(--navy-900); }
.cta-sub { margin-top: 8px; font-size: 14px; color: var(--ink-soft); }
.contact-card-light .btn { margin-top: 20px; }

/* ============================================================
   FOOTER
   ============================================================ */
.site-footer { position: relative; background: var(--navy-950); padding-top: 80px; color: rgba(250, 245, 234, 0.7); }
.footer-grid { display: grid; grid-template-columns: 1fr; gap: 48px; padding-bottom: 56px; }
@media (min-width: 640px) { .footer-grid { grid-template-columns: 1fr 1fr; } }
@media (min-width: 1024px) { .footer-grid { grid-template-columns: 1.4fr 1fr 1fr 1.2fr; } }
.footer-grid .brand { margin-bottom: 0; }
.footer-blurb { margin-top: 24px; max-width: 280px; font-size: 14px; line-height: 1.6; }
.footer-grid h4 { font-family: var(--font-display); font-size: 13px; font-weight: 600; text-transform: uppercase; letter-spacing: 0.02em; color: var(--cream-50); }
.footer-grid ul { margin-top: 20px; display: flex; flex-direction: column; gap: 12px; font-size: 14px; }
.footer-grid ul a:hover { color: var(--gold-300); }
.footer-contact { margin-top: 20px; display: flex; flex-direction: column; gap: 12px; font-size: 14px; }
.footer-contact a { display: flex; align-items: center; gap: 8px; }
.footer-contact a:hover { color: var(--gold-300); }
.footer-contact .icon { color: var(--gold-400); }
.footer-notice {
  margin-top: 24px;
  display: flex;
  gap: 12px;
  border-radius: 16px;
  border: 1px solid rgba(255, 255, 255, 0.1);
  background: rgba(255, 255, 255, 0.05);
  padding: 16px;
  font-size: 12px;
  line-height: 1.6;
}
.footer-notice .icon { width: 32px; height: 32px; color: var(--gold-400); }
.footer-bottom {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 12px;
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  padding: 28px 24px;
  font-size: 12px;
  color: rgba(250, 245, 234, 0.45);
}
@media (min-width: 640px) { .footer-bottom { flex-direction: row; justify-content: space-between; } }