/* ---------- Base ---------- */
:root{
  --brand: #05448b;
  --brand-dark: #033066;
  --brand-darker: #021f46;
  --brand-light: #e8f0fb;
  --ink: #0f1a2b;
  --muted: #6b7789;
  --line: #e3e8f0;
  --bg: #ffffff;
  --radius: 14px;
  --radius-lg: 22px;
  --shadow: 0 10px 30px rgba(5, 68, 139, 0.08);
}

*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Inter, Roboto, Helvetica, Arial, sans-serif;
  color: var(--ink);
  background: var(--bg);
  line-height: 1.55;
  -webkit-font-smoothing: antialiased;
}
img{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
button{font:inherit;cursor:pointer;border:none;background:none}

.container{
  width:100%;
  max-width:1180px;
  margin:0 auto;
  padding:0 24px;
}

/* ---------- Buttons ---------- */
.btn{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  gap:8px;
  padding:12px 22px;
  border-radius: 8px;
  font-weight:600;
  font-size:14px;
  letter-spacing:.2px;
  transition: all .2s ease;
  white-space:nowrap;
}
.btn-primary{background:var(--brand);color:#fff}
.btn-primary:hover{background:var(--brand-dark)}
.btn-ghost{background:transparent;color:var(--ink);border:1px solid var(--line)}
.btn-ghost:hover{border-color:var(--brand);color:var(--brand)}
.btn-light{background:#fff;color:var(--brand)}
.btn-light:hover{background:#f0f5ff}
.btn-sm{padding:10px 18px;font-size:13px}
.btn-block{width:100%}

/* ---------- Navbar ---------- */
.hero-wrap{
  position:relative;
  background:
    radial-gradient(900px 500px at 85% 20%, rgba(5, 68, 139, .35), transparent 60%),
    radial-gradient(600px 400px at 10% 100%, rgba(255,255,255,.06), transparent 60%),
    linear-gradient(165deg, #021f46 0%, #041a3a 100%);
  color:#fff;
  padding-bottom: 60px;
  overflow:hidden;
}
.hero-wrap::before{
  content:"";
  position:absolute;
  inset:0;
  background: url('https://images.unsplash.com/photo-1512453979798-5ea266f8880c?auto=format&fit=crop&w=1920&q=80') center/cover no-repeat;
  animation: heroZoom 10s ease-in-out infinite alternate;
  transform-origin: center center;
  z-index: 0;
  pointer-events: none;
}
.hero-wrap::after{
  content:"";
  position:absolute;
  inset:0;
  background: linear-gradient(115deg, rgba(2, 31, 70, .8) 0%, rgba(4, 26, 58, .62) 45%, rgba(5, 68, 139, .42) 100%);
  z-index: 1;
  pointer-events: none;
}
.hero-wrap > *{position:relative;z-index:2}

@keyframes heroZoom{
  from{ transform: scale(1) translate(0, 0); }
  to{ transform: scale(1.15) translate(-2%, -1%); }
}

@media (prefers-reduced-motion: reduce){
  .hero-wrap::before{ animation: none; }
}

.navbar{
  padding: 2px 0;
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 100;
  background: #ffffff;
  border-bottom: 1px solid rgba(5, 68, 139, .06);
  box-shadow: none;
  backdrop-filter: none;
  -webkit-backdrop-filter: none;
  transition: background .3s ease, box-shadow .3s ease, backdrop-filter .3s ease, border-color .3s ease;
}
.navbar.scrolled{
  background: rgba(255, 255, 255, .55);
  backdrop-filter: blur(22px) saturate(180%);
  -webkit-backdrop-filter: blur(22px) saturate(180%);
  border-bottom-color: rgba(255, 255, 255, .25);
  box-shadow:
    0 10px 32px rgba(5, 68, 139, .14),
    inset 0 1px 0 rgba(255, 255, 255, .7);
}
.navbar .brand{color: var(--brand)}
.navbar .nav-links > a,
.navbar .nav-links .nav-mega-trigger{color: rgba(15, 26, 43, .75)}
.navbar .nav-links > a:hover,
.navbar .nav-links > a.active,
.navbar .nav-links .nav-mega-trigger:hover{color: var(--brand)}
.navbar .nav-mega-card,
.navbar .nav-mega-card strong{color: var(--ink)}
.navbar .nav-mega-card em{color: var(--muted)}
.navbar .nav-toggle span{background: var(--brand)}
.brand-logo{
  height: 78px;
  width: auto;
  object-fit: contain;
  display: block;
  filter: drop-shadow(0 2px 6px rgba(5, 68, 139, .15));
}
.nav-inner{
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:24px;
}
.brand{
  display:flex;align-items:center;gap:10px;
  font-weight:700;font-size:16px;color:#fff;
}
.brand-mark{color:#fff;transform:rotate(45deg);display:inline-block}
.nav-links{display:flex;gap:28px;align-items:center}
.nav-links > a,
.nav-links .nav-mega-trigger{
  color:rgba(255,255,255,.8);
  font-size:14px;
  font-weight:500;
  transition:color .2s;
  cursor: pointer;
  display: inline-flex;
  align-items: center;
  gap: 4px;
}
.nav-links > a:hover,
.nav-links > a.active,
.nav-links .nav-mega-trigger:hover{color:#fff}

/* Mega menu */
.nav-item{position: relative}
.nav-item--has-mega .nav-mega-trigger svg{
  width: 12px; height: 12px;
  transition: transform .25s;
}
.nav-item--has-mega:hover .nav-mega-trigger svg{transform: rotate(180deg)}

.nav-mega{
  position: absolute;
  top: calc(100% + 18px);
  left: 50%;
  transform: translateX(-50%) scale(.96);
  transform-origin: top center;
  width: 760px;
  max-width: 92vw;
  background: #ffffff;
  border-radius: 18px;
  box-shadow:
    0 30px 70px rgba(5, 68, 139, .16),
    0 8px 24px rgba(5, 68, 139, .08),
    0 0 0 1px rgba(5, 68, 139, .05);
  padding: 18px;
  opacity: 0;
  visibility: hidden;
  pointer-events: none;
  transition:
    opacity .22s cubic-bezier(.34, 1.4, .64, 1),
    transform .28s cubic-bezier(.34, 1.4, .64, 1),
    visibility 0s linear .28s;
  z-index: 99;
}
.nav-mega::before{
  content: "";
  position: absolute;
  top: -18px;
  left: 0; right: 0;
  height: 22px;
}
.nav-mega::after{
  content: "";
  position: absolute;
  top: -7px;
  left: 50%;
  transform: translateX(-50%) rotate(45deg);
  width: 14px; height: 14px;
  background: #fff;
  border-top: 1px solid rgba(5, 68, 139, .05);
  border-left: 1px solid rgba(5, 68, 139, .05);
  border-radius: 3px 0 0 0;
}
.nav-item--has-mega:hover .nav-mega,
.nav-item--has-mega:focus-within .nav-mega{
  opacity: 1;
  visibility: visible;
  pointer-events: auto;
  transform: translateX(-50%) scale(1);
  transition:
    opacity .22s cubic-bezier(.34, 1.4, .64, 1),
    transform .28s cubic-bezier(.34, 1.4, .64, 1),
    visibility 0s linear 0s;
}
.nav-mega-inner{
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 6px;
}
.nav-mega-card{
  display: flex;
  align-items: flex-start;
  gap: 12px;
  padding: 12px 14px;
  border-radius: 12px;
  text-decoration: none;
  transition: background .2s ease, transform .2s ease;
  color: var(--ink) !important;
}
.nav-mega-card:hover{
  background: var(--brand-light);
  transform: translateX(2px);
}
.nav-mega-ico{
  font-size: 20px;
  line-height: 1;
  width: 36px; height: 36px;
  background: var(--brand-light);
  border-radius: 10px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  transition: background .2s ease;
}
.nav-mega-card:hover .nav-mega-ico{
  background: #fff;
}
.nav-mega-card span{display: flex; flex-direction: column; gap: 2px}
.nav-mega-card strong{
  font-size: 13.5px;
  font-weight: 700;
  color: var(--ink);
  letter-spacing: -0.01em;
}
.nav-mega-card em{
  font-size: 11.5px;
  font-style: normal;
  color: var(--muted);
  line-height: 1.35;
}
.nav-toggle{display:none;flex-direction:column;gap:4px;padding:8px}
.nav-toggle span{width:22px;height:2px;background:#fff;border-radius:2px}

/* ---------- Hero ---------- */
.hero{
  padding: 180px 0 60px;
}
.hero-card{
  background:#fff;
  color:var(--ink);
  border-radius: var(--radius-lg);
  padding: 56px 56px 48px;
  max-width: 620px;
  box-shadow: 0 30px 60px rgba(0,0,0,.25);
}
.hero-card h1{
  font-size: clamp(24px, 3vw, 38px);
  line-height:1.15;
  letter-spacing:-0.015em;
  font-weight:600;
  margin-bottom:20px;
}
.hero-card h1 .hero-accent{
  background: linear-gradient(90deg, #05448b 0%, #1c73d6 100%);
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
}
.type-cursor{
  display: inline-block;
  width: 3px;
  height: 0.9em;
  background: var(--brand);
  margin-left: 3px;
  vertical-align: -2px;
  animation: typeBlink 0.7s step-end infinite;
  border-radius: 1px;
}
.hero-card h1:not(.is-typing) .type-cursor{
  animation: typeBlink 0.7s step-end infinite;
}
@keyframes typeBlink{
  0%, 50%{ opacity: 1; }
  51%, 100%{ opacity: 0; }
}
.hero-card p{
  color:var(--muted);
  font-size:15px;
  margin-bottom:32px;
  max-width: 460px;
}
.hero-actions{display:flex;gap:12px;flex-wrap:wrap}

/* ---------- Stats ---------- */
.stats{
  position:relative;
  background: #05448B;
  color:#fff;
  padding: 56px 0;
  overflow:hidden;
}
.stats-bg{position:absolute;inset:0;pointer-events:none;overflow:hidden}
.stats-orb{
  position:absolute;
  border-radius:50%;
  filter: blur(80px);
  opacity:.5;
}
.stats-orb.orb-a{
  width:380px;height:380px;
  background: rgba(100, 170, 255, .35);
  top:-120px;left:-80px;
}
.stats-orb.orb-b{
  width:460px;height:460px;
  background: rgba(5, 68, 139, .6);
  bottom:-160px;right:-100px;
}
.stats .container{position:relative;z-index:1}

.stats-head{
  text-align:center;
  margin-bottom:32px;
}
.stats-eyebrow{
  display:inline-block;
  font-size:12px;
  letter-spacing:.22em;
  color: rgba(255,255,255,.85);
  padding: 6px 14px;
  border: 1px solid rgba(255,255,255,.18);
  border-radius: 999px;
  margin-bottom: 18px;
  background: rgba(255,255,255,.06);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
}
.stats-head h2{
  font-size: clamp(24px, 2.8vw, 34px);
  font-weight:700;
  letter-spacing:-0.02em;
  margin-bottom:10px;
}
.stats-head p{
  color: rgba(255,255,255,.7);
  max-width: 520px;
  margin: 0 auto;
  font-size:15px;
}

.stats-grid{
  display:grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
}
.stat{
  position:relative;
  display:flex;
  flex-direction:column;
  gap:6px;
  padding: 22px 22px;
  border-radius: 16px;
  background: rgba(255,255,255,.06);
  border: 1px solid rgba(255,255,255,.12);
  backdrop-filter: blur(14px);
  -webkit-backdrop-filter: blur(14px);
  overflow:hidden;
  transition: transform .25s ease, background .25s ease, border-color .25s ease;
}
.stat::before{
  content:"";
  position:absolute;
  top:0;left:0;right:0;
  height:1px;
  background: linear-gradient(90deg, transparent, rgba(255,255,255,.5), transparent);
}
.stat:hover{
  transform: translateY(-4px);
  background: rgba(255,255,255,.1);
  border-color: rgba(255,255,255,.22);
}
.stat-icon{
  width:36px;height:36px;
  border-radius: 10px;
  background: rgba(255,255,255,.12);
  border:1px solid rgba(255,255,255,.18);
  color:#fff;
  display:flex;align-items:center;justify-content:center;
  margin-bottom: 6px;
}
.stat-icon svg{width:20px;height:20px}
.stat-value{
  font-size: clamp(32px, 3.6vw, 46px);
  font-weight:700;
  letter-spacing:-0.02em;
  line-height:1;
  background: linear-gradient(180deg, #ffffff 0%, #bcd5f5 100%);
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
  font-variant-numeric: tabular-nums;
}
.stat-label{
  font-size:14px;
  font-weight:600;
  color:#fff;
  margin-top:4px;
}
.stat-sub{
  font-size:12px;
  color: rgba(255,255,255,.6);
  letter-spacing:.02em;
}

/* ---------- Services ---------- */
.services{padding: 80px 0}
.services-head{
  display:flex;
  justify-content:space-between;
  align-items:flex-end;
  gap:32px;
  margin-bottom:48px;
  flex-wrap:wrap;
}
.services-head h2{
  font-size: clamp(28px, 3.2vw, 42px);
  font-weight:700;
  letter-spacing:-0.02em;
  margin-bottom:12px;
}
.services-head p{
  color:var(--muted);
  max-width:520px;
  font-size:15px;
}
.link-arrow{
  color:var(--brand);
  font-weight:600;
  font-size:14px;
  white-space:nowrap;
}
.link-arrow:hover{text-decoration:underline}

.services-grid{
  display:grid;
  grid-template-columns: repeat(3, 1fr);
  gap:24px;
}
.service-card{
  position:relative;
  background:#fff;
  border:1px solid var(--line);
  border-radius: 18px;
  overflow:hidden;
  transition: transform .35s ease, box-shadow .35s ease, border-color .35s ease;
  display:flex;
  flex-direction:column;
}
.service-card:hover{
  transform: translateY(-8px);
  box-shadow: 0 30px 60px rgba(5, 68, 139, .15);
  border-color: transparent;
}
.service-card--featured{
  border-color: rgba(5, 68, 139, .25);
  box-shadow: 0 10px 30px rgba(5, 68, 139, .08);
}
.service-card--featured::before{
  content:"";
  position:absolute;
  inset:0;
  padding:1px;
  border-radius: 18px;
  background: linear-gradient(160deg, rgba(5, 68, 139, .4), transparent 60%);
  -webkit-mask: linear-gradient(#000,#000) content-box, linear-gradient(#000,#000);
  -webkit-mask-composite: xor;
  mask-composite: exclude;
  pointer-events:none;
}

.service-index{
  position:absolute;
  top: 18px;
  left: 22px;
  z-index: 2;
  font-size: 11px;
  letter-spacing: .22em;
  font-weight: 600;
  color: rgba(5, 68, 139, .6);
  text-transform: uppercase;
}
.service-card:hover .service-index{color: rgba(255,255,255,.85)}

.service-illustration{
  position:relative;
  height: 200px;
  background:
    radial-gradient(circle at 30% 20%, rgba(5, 68, 139, .08), transparent 60%),
    linear-gradient(160deg, #f6f9fd 0%, #e7eef8 100%);
  color: var(--brand);
  display:flex;
  align-items:center;
  justify-content:center;
  overflow:hidden;
  border-bottom: 1px solid rgba(5, 68, 139, .06);
  transition: background .45s ease, color .45s ease;
}
.service-illustration::before{
  content:"";
  position:absolute;
  inset:0;
  background:
    linear-gradient(transparent 0, transparent 23px, rgba(5, 68, 139, .06) 24px),
    linear-gradient(90deg, transparent 0, transparent 23px, rgba(5, 68, 139, .06) 24px);
  background-size: 24px 24px;
  mask-image: radial-gradient(ellipse 80% 70% at 50% 60%, #000 40%, transparent 100%);
  -webkit-mask-image: radial-gradient(ellipse 80% 70% at 50% 60%, #000 40%, transparent 100%);
  pointer-events:none;
  transition: opacity .35s;
}
.service-illustration::after{
  content:"";
  position:absolute;
  bottom:0;left:0;right:0;
  height:40px;
  background: linear-gradient(180deg, transparent, rgba(5, 68, 139, .04));
  pointer-events:none;
}
.service-illustration svg{
  width: 82%;
  height: 82%;
  position:relative;
  z-index:1;
  transition: transform .45s ease, opacity .35s ease;
}
.service-illustration .ill-dim{opacity:.4}
.service-card:hover .service-illustration{
  background:
    radial-gradient(circle at 30% 20%, rgba(255,255,255,.12), transparent 60%),
    linear-gradient(160deg, #05448b 0%, #022856 100%);
  color: #ffffff;
}
.service-card:hover .service-illustration::before{opacity:.35}
.service-card:hover .service-illustration svg{
  transform: translateY(-4px) scale(1.02);
}

.service-body{
  padding: 28px 28px 30px;
  display:flex;
  flex-direction:column;
  flex:1;
  gap: 12px;
}
.service-badge{
  display:inline-block;
  align-self:flex-start;
  font-size: 11px;
  font-weight: 600;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--brand);
  background: var(--brand-light);
  padding: 4px 10px;
  border-radius: 999px;
}
.service-card h3{
  font-size: 22px;
  font-weight: 700;
  letter-spacing: -0.015em;
  margin: 0;
}
.service-card p{
  color: var(--muted);
  font-size: 14px;
  line-height: 1.55;
  margin: 0;
}
.service-features{
  list-style: none;
  padding: 0;
  margin: 4px 0 0;
  display: flex;
  flex-direction: column;
  gap: 8px;
}
.service-features li{
  position: relative;
  padding-left: 22px;
  font-size: 13px;
  color: var(--ink);
}
.service-features li::before{
  content:"";
  position:absolute;
  left:0; top:6px;
  width: 14px; height: 14px;
  border-radius: 50%;
  background: var(--brand-light);
}
.service-features li::after{
  content:"";
  position:absolute;
  left: 4px; top: 9px;
  width: 6px; height: 3px;
  border-left: 1.5px solid var(--brand);
  border-bottom: 1.5px solid var(--brand);
  transform: rotate(-45deg);
}

.service-cta{
  margin-top: auto;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  align-self: flex-start;
  padding: 10px 0;
  font-size: 14px;
  font-weight: 600;
  color: var(--brand);
  transition: gap .2s ease;
}
.service-cta svg{width:16px;height:16px;transition: transform .2s ease}
.service-cta:hover{gap: 12px}
.service-cta:hover svg{transform: translateX(2px)}
.service-cta--primary{
  background: var(--brand);
  color: #fff;
  padding: 12px 22px;
  border-radius: 10px;
  margin-top: 8px;
}
.service-cta--primary:hover{background: var(--brand-dark); gap: 10px}

/* ---------- Compare ---------- */
.compare{
  position: relative;
  padding: 40px 0 120px;
  background: linear-gradient(180deg, #ffffff 0%, #f4f8fd 60%, #ffffff 100%);
  overflow: hidden;
}
.compare-bg-grid{
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(5, 68, 139, .05) 1px, transparent 1px),
    linear-gradient(90deg, rgba(5, 68, 139, .05) 1px, transparent 1px);
  background-size: 32px 32px;
  mask-image: radial-gradient(ellipse 80% 60% at 50% 50%, #000 30%, transparent 80%);
  -webkit-mask-image: radial-gradient(ellipse 80% 60% at 50% 50%, #000 30%, transparent 80%);
  pointer-events: none;
}
.compare .container{position: relative; z-index: 1}

.compare-head{
  text-align: center;
  max-width: 640px;
  margin: 0 auto 32px;
}
.compare-eyebrow{
  display: inline-block;
  font-size: 12px;
  letter-spacing: .22em;
  color: var(--brand);
  padding: 6px 14px;
  border: 1px solid rgba(5, 68, 139, .2);
  border-radius: 999px;
  margin-bottom: 18px;
  background: rgba(255, 255, 255, .7);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
}
.compare-head h2{
  font-size: clamp(30px, 3.6vw, 46px);
  font-weight: 700;
  letter-spacing: -0.02em;
  margin-bottom: 14px;
  color: var(--ink);
}
.compare-head h2 .accent{
  background: linear-gradient(90deg, #05448b 0%, #1c73d6 100%);
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
}
.compare-head .compare-sub{
  font-size: 15px;
  color: var(--muted);
}
.compare-head .compare-sub strong{color: var(--ink); font-weight: 600}

.compare-board{
  display: grid;
  grid-template-columns: 1fr auto 1fr;
  gap: 28px;
  align-items: stretch;
  max-width: 1080px;
  margin: 0 auto;
}

/* --- Columns --- */
.compare-col{
  position: relative;
  background: #ffffff;
  border: 1px solid var(--line);
  border-radius: 22px;
  padding: 32px 32px 28px;
  display: flex;
  flex-direction: column;
  gap: 22px;
  transition: transform .4s ease, box-shadow .4s ease, border-color .4s ease;
}
.compare-col--us{
  border-color: transparent;
  background:
    linear-gradient(#ffffff, #ffffff) padding-box,
    linear-gradient(135deg, #05448b 0%, #1c73d6 60%, rgba(5, 68, 139, .2) 100%) border-box;
  border: 1.5px solid transparent;
  box-shadow:
    0 10px 30px rgba(5, 68, 139, .08),
    0 30px 60px rgba(5, 68, 139, .1);
}
.compare-col--us:hover{
  transform: translateY(-6px);
  box-shadow:
    0 14px 34px rgba(5, 68, 139, .12),
    0 40px 80px rgba(5, 68, 139, .16);
}
.compare-col--them{opacity: .88}
.compare-col--them:hover{opacity: 1; transform: translateY(-4px)}

.compare-col-header{
  display: flex;
  align-items: center;
  gap: 14px;
  padding-bottom: 22px;
  border-bottom: 1px solid var(--line);
  position: relative;
}
.compare-col-logo{
  width: 52px;
  height: 52px;
  border-radius: 14px;
  object-fit: contain;
  padding: 4px;
  background: var(--brand-light);
  flex-shrink: 0;
}
.compare-col-logo--bank{
  background: #eef2f8;
  color: #8793a8;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 10px;
}
.compare-col-logo--bank svg{width: 28px; height: 28px}
.compare-col-header h3{
  font-size: 18px;
  font-weight: 700;
  margin-bottom: 2px;
  letter-spacing: -0.01em;
  color: var(--ink);
}
.compare-col-header span{
  font-size: 12px;
  color: var(--muted);
}
.compare-pill{
  position: absolute;
  top: -14px;
  right: 0;
  font-size: 10px;
  font-weight: 700;
  letter-spacing: .18em;
  text-transform: uppercase;
  color: #ffffff !important;
  background: linear-gradient(135deg, #05448b, #1c73d6);
  padding: 6px 12px;
  border-radius: 999px;
  box-shadow: 0 6px 16px rgba(5, 68, 139, .3);
}

/* --- List --- */
.compare-list{
  list-style: none;
  padding: 0;
  margin: 0;
  display: flex;
  flex-direction: column;
  gap: 6px;
}
.compare-list li{
  display: flex;
  align-items: flex-start;
  gap: 14px;
  padding: 12px 12px;
  border-radius: 10px;
  font-size: 14px;
  line-height: 1.5;
  color: var(--ink);
  transition: background .25s ease, transform .25s ease;
  opacity: 0;
  transform: translateY(10px);
}
.compare-list li.in-view{
  opacity: 1;
  transform: translateY(0);
  transition: opacity .5s ease, transform .5s ease, background .25s ease;
}
.compare-list li:hover{
  background: var(--brand-light);
  transform: translateX(3px);
}
.compare-col--them .compare-list li{color: var(--muted)}
.compare-col--them .compare-list li:hover{background: #f3f5f9; transform: translateX(3px)}

.compare-mark{
  flex-shrink: 0;
  width: 24px;
  height: 24px;
  border-radius: 50%;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  margin-top: 1px;
}
.compare-mark svg{width: 14px; height: 14px}
.compare-mark--ok{
  background: linear-gradient(135deg, #05448b, #1c73d6);
  color: #fff;
  box-shadow: 0 4px 10px rgba(5, 68, 139, .3);
}
.compare-mark--no{
  background: #fce9e9;
  color: #c94545;
  border: 1px solid #f5d4d4;
}

/* --- Center Switch --- */
.compare-switch{
  display: flex;
  align-items: center;
  justify-content: center;
  position: relative;
}
.compare-switch::before{
  content:"";
  position: absolute;
  top: 50%; left: 50%;
  transform: translate(-50%, -50%);
  width: 120%;
  height: 120%;
  background: radial-gradient(circle, rgba(5, 68, 139, .12), transparent 60%);
  filter: blur(20px);
  z-index: 0;
}
.compare-switch-inner{
  position: relative;
  z-index: 1;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 10px;
  padding: 22px 18px;
  background: #ffffff;
  border: 1px solid var(--line);
  border-radius: 80px;
  box-shadow:
    0 10px 30px rgba(5, 68, 139, .12),
    inset 0 1px 0 rgba(255, 255, 255, 1);
  min-width: 120px;
  text-align: center;
}
.compare-switch-top,
.compare-switch-bottom{
  font-size: 13px;
  font-weight: 700;
  line-height: 1.2;
  letter-spacing: -0.01em;
  color: var(--ink);
}
.compare-switch-top{color: var(--brand)}
.compare-switch-bottom{color: var(--muted)}
.compare-switch-vs{
  width: 62px;
  height: 62px;
  border-radius: 50%;
  background: linear-gradient(135deg, #05448b 0%, #1c73d6 100%);
  color: #fff;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 14px;
  font-weight: 700;
  letter-spacing: .14em;
  box-shadow:
    0 8px 20px rgba(5, 68, 139, .35),
    inset 0 1px 0 rgba(255, 255, 255, .25);
  position: relative;
}
.compare-switch-vs::before,
.compare-switch-vs::after{display: none}

@media (max-width: 860px){
  .compare{padding: 72px 0}
  .compare-board{
    grid-template-columns: 1fr;
    gap: 24px;
  }
  .compare-switch-inner{
    flex-direction: row;
    padding: 12px 20px;
    border-radius: 999px;
  }
  .compare-switch-vs{width: 44px; height: 44px; font-size: 12px}
  .compare-switch-vs::before,
  .compare-switch-vs::after{display: none}
  .compare-col--us:hover,
  .compare-col--them:hover{transform: none}
}

/* ---------- Banks / Partners ---------- */
.banks{
  position: relative;
  padding: 80px 0;
  background: linear-gradient(180deg, #ffffff 0%, #f4f8fd 60%, #ffffff 100%);
  overflow: hidden;
}
.banks-bg{position: absolute; inset: 0; pointer-events: none; overflow: hidden}
.banks-orb{
  position: absolute;
  border-radius: 50%;
  filter: blur(100px);
  opacity: .5;
}
.banks-orb-a{
  width: 460px; height: 460px;
  background: rgba(5, 68, 139, .08);
  top: -160px; left: -120px;
}
.banks-orb-b{
  width: 380px; height: 380px;
  background: rgba(28, 115, 214, .08);
  bottom: -180px; right: -120px;
}
.banks-grid-mask{
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(5, 68, 139, .04) 1px, transparent 1px),
    linear-gradient(90deg, rgba(5, 68, 139, .04) 1px, transparent 1px);
  background-size: 44px 44px;
  mask-image: radial-gradient(ellipse 70% 60% at 50% 50%, #000 30%, transparent 80%);
  -webkit-mask-image: radial-gradient(ellipse 70% 60% at 50% 50%, #000 30%, transparent 80%);
}
.banks .container{position: relative; z-index: 1}

/* Header band */
.banks-head{
  display: grid;
  grid-template-columns: 1.3fr 1fr;
  gap: 48px;
  align-items: end;
  margin-bottom: 48px;
  padding-bottom: 32px;
  border-bottom: 1px solid var(--line);
}
.banks-eyebrow{
  display: inline-block;
  font-size: 11px;
  letter-spacing: .26em;
  text-transform: uppercase;
  font-weight: 700;
  color: var(--brand);
  padding: 6px 14px;
  border: 1px solid rgba(5, 68, 139, .2);
  border-radius: 999px;
  margin-bottom: 18px;
  background: rgba(255,255,255,.7);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
}
.banks-head-text h2{
  font-size: clamp(26px, 3.2vw, 42px);
  font-weight: 700;
  letter-spacing: -0.02em;
  line-height: 1.15;
  color: var(--ink);
  margin-bottom: 14px;
}
.banks-accent{
  background: linear-gradient(90deg, #05448b 0%, #1c73d6 100%);
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
}
.banks-head-text > p{
  font-size: 14.5px;
  color: var(--muted);
  line-height: 1.7;
  max-width: 480px;
}

.banks-stats{
  display: flex;
  align-items: stretch;
  gap: 12px;
  justify-self: end;
}
.banks-stat-card{
  background: #ffffff;
  border: 1px solid var(--line);
  border-radius: 16px;
  padding: 16px 18px;
  display: flex;
  flex-direction: column;
  justify-content: center;
  gap: 4px;
  min-width: 110px;
  box-shadow: 0 4px 14px rgba(5, 68, 139, .06);
  transition: transform .25s, box-shadow .25s;
}
.banks-stat-card:hover{
  transform: translateY(-3px);
  box-shadow: 0 10px 22px rgba(5, 68, 139, .12);
}
.banks-stat-card .banks-stat-num{
  font-size: 28px;
  font-weight: 700;
  letter-spacing: -0.02em;
  line-height: 1;
  background: linear-gradient(180deg, #05448b 0%, #1c73d6 100%);
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
}
.banks-stat-card .banks-stat-num sup{
  font-size: .55em;
  top: -0.6em;
  margin-left: 2px;
}
.banks-stat-card .banks-stat-label{
  font-size: 12px;
  color: var(--muted);
  font-weight: 500;
}
.banks-stat-card--cta{
  background: linear-gradient(135deg, #05448b 0%, #1c73d6 100%);
  border-color: transparent;
  padding: 0;
  box-shadow: 0 8px 22px rgba(5, 68, 139, .25);
}
.banks-stat-card--cta a{
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  width: 100%;
  height: 100%;
  padding: 16px 22px;
  color: #fff;
  font-weight: 600;
  font-size: 14px;
  text-decoration: none;
}
.banks-stat-card--cta svg{width: 16px; height: 16px; transition: transform .25s}
.banks-stat-card--cta:hover{transform: translateY(-3px); box-shadow: 0 14px 28px rgba(5, 68, 139, .35)}
.banks-stat-card--cta:hover svg{transform: translateX(3px)}

/* Marquee rows */
.banks-marquee{
  position: relative;
  overflow: hidden;
  padding: 14px 0;
  mask-image: linear-gradient(90deg, transparent, #000 6%, #000 94%, transparent);
  -webkit-mask-image: linear-gradient(90deg, transparent, #000 6%, #000 94%, transparent);
}
.banks-marquee + .banks-marquee{margin-top: 4px}
.banks-row{
  display: flex;
  gap: 16px;
  width: max-content;
  will-change: transform;
}
.banks-row-a{animation: banksScrollLeft 50s linear infinite}
.banks-row-b{animation: banksScrollRight 60s linear infinite}
.banks-marquee:hover .banks-row{animation-play-state: paused}
@keyframes banksScrollLeft{
  from{transform: translateX(0)}
  to{transform: translateX(calc(-50% - 8px))}
}
@keyframes banksScrollRight{
  from{transform: translateX(calc(-50% - 8px))}
  to{transform: translateX(0)}
}

/* Bank tile */
.bank-tile{
  flex: 0 0 180px;
  position: relative;
  aspect-ratio: 1.6 / 1;
  background: #ffffff;
  border: 1px solid var(--line);
  border-radius: 16px;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 20px 22px;
  cursor: pointer;
  transition: transform .35s cubic-bezier(.34,1.56,.64,1), box-shadow .35s ease, border-color .35s ease;
  box-shadow: 0 2px 6px rgba(5, 68, 139, .04);
}
.bank-tile::before{
  content: "";
  position: absolute;
  inset: 0;
  border-radius: 16px;
  background: linear-gradient(135deg, rgba(5, 68, 139, 0) 0%, rgba(28, 115, 214, .07) 100%);
  opacity: 0;
  transition: opacity .3s ease;
  pointer-events: none;
}
.bank-tile::after{display: none}
.bank-tile img{
  position: relative;
  z-index: 1;
  max-width: 100%;
  max-height: 100%;
  width: auto;
  height: auto;
  object-fit: contain;
  filter: grayscale(45%);
  opacity: .82;
  transition: filter .35s ease, opacity .35s ease, transform .35s ease;
}
.bank-tile:hover{
  transform: translateY(-8px) scale(1.06);
  border-color: rgba(5, 68, 139, .25);
  box-shadow: 0 22px 40px rgba(5, 68, 139, .2);
  z-index: 4;
}
.bank-tile:hover::before{opacity: 1}
.bank-tile:hover img{
  filter: grayscale(0%);
  opacity: 1;
  transform: scale(1.04);
}

/* Footnote */
.banks-footnote{
  margin-top: 36px;
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-size: 13px;
  color: var(--muted);
  padding: 10px 18px;
  background: rgba(255,255,255,.7);
  border: 1px solid var(--line);
  border-radius: 999px;
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
  margin-left: 50%;
  transform: translateX(-50%);
}
.banks-pulse{
  width: 8px; height: 8px;
  border-radius: 50%;
  background: var(--brand);
  position: relative;
  flex-shrink: 0;
}
.banks-pulse::after{
  content: "";
  position: absolute;
  inset: -3px;
  border-radius: 50%;
  border: 2px solid var(--brand);
  animation: banksPulse 2s infinite;
}
@keyframes banksPulse{
  0%{opacity: .6; transform: scale(.6)}
  70%{opacity: 0; transform: scale(1.6)}
  100%{opacity: 0; transform: scale(1.6)}
}

@media (max-width: 960px){
  .banks-head{grid-template-columns: 1fr; gap: 28px; align-items: start}
  .banks-stats{justify-self: start}
  .bank-tile{flex: 0 0 150px; padding: 16px 18px}
}
@media (max-width: 540px){
  .banks-stats{flex-wrap: wrap; width: 100%}
  .banks-stat-card{flex: 1; min-width: 0}
  .banks-stat-card--cta{flex-basis: 100%}
  .bank-tile{flex: 0 0 130px; padding: 14px}
}

/* ---------- About ---------- */
.about{
  position: relative;
  background:
    radial-gradient(1000px 600px at 90% -10%, rgba(28, 115, 214, .3), transparent 60%),
    linear-gradient(165deg, #05448b 0%, #042d66 55%, #021f48 100%);
  color: #fff;
  padding: 120px 0 96px;
  overflow: hidden;
}
.about-bg{
  position: absolute;
  inset: 0;
  pointer-events: none;
  overflow: hidden;
}
.about-mega{
  position: absolute;
  top: 40px;
  right: -20px;
  font-size: clamp(260px, 34vw, 480px);
  font-weight: 900;
  line-height: .75;
  letter-spacing: -0.06em;
  color: transparent;
  -webkit-text-stroke: 3px rgba(255,255,255,.18);
  user-select: none;
  text-shadow: 0 0 60px rgba(100, 170, 255, .15);
}
.about-orb{
  position: absolute;
  border-radius: 50%;
  filter: blur(90px);
  opacity: .5;
}
.about-orb-a{
  width: 420px; height: 420px;
  background: rgba(100, 170, 255, .28);
  top: -160px; left: -120px;
}
.about-orb-b{
  width: 480px; height: 480px;
  background: rgba(5, 68, 139, .5);
  bottom: -180px; right: -140px;
}
.about-grid-mask{
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,.04) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,.04) 1px, transparent 1px);
  background-size: 48px 48px;
  mask-image: radial-gradient(ellipse 60% 50% at 30% 50%, #000 0%, transparent 70%);
  -webkit-mask-image: radial-gradient(ellipse 60% 50% at 30% 50%, #000 0%, transparent 70%);
}
.about .container{position: relative; z-index: 1}

.about-eyebrow{
  display: inline-block;
  font-size: 11px;
  letter-spacing: .26em;
  text-transform: uppercase;
  font-weight: 600;
  color: rgba(255,255,255,.9);
  padding: 6px 14px;
  border: 1px solid rgba(255,255,255,.2);
  border-radius: 999px;
  margin-bottom: 22px;
  background: rgba(255,255,255,.06);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
}
.about-eyebrow--light{color: #fff}

/* --- Hero: asymmetric editorial split --- */
.about-hero{
  display: grid;
  grid-template-columns: 1.1fr 1fr;
  gap: 64px;
  align-items: start;
  margin-bottom: 64px;
}
.about-hero-left h2{
  font-size: clamp(34px, 4.6vw, 62px);
  font-weight: 700;
  letter-spacing: -0.025em;
  line-height: 1.04;
  margin-bottom: 24px;
  color: #fff;
}
.about-hero-left h2 em{
  font-style: normal;
  background: linear-gradient(90deg, #ffffff 0%, #9fc4ee 100%);
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
  font-weight: 700;
}
.about-hero-left > p{
  color: rgba(255,255,255,.75);
  font-size: 15px;
  line-height: 1.7;
  max-width: 540px;
  margin-bottom: 36px;
}

/* Mini metrics row */
.about-metrics{
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
  margin-bottom: 36px;
  padding: 24px 0;
  border-top: 1px solid rgba(255,255,255,.12);
  border-bottom: 1px solid rgba(255,255,255,.12);
}
.about-metric{
  display: flex;
  flex-direction: column;
  gap: 6px;
}
.about-metric-num{
  font-size: clamp(30px, 3.2vw, 44px);
  font-weight: 700;
  letter-spacing: -0.02em;
  line-height: 1;
  background: linear-gradient(180deg, #ffffff 0%, #a9c5ec 100%);
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
}
.about-metric-num sup{
  font-size: .55em;
  top: -0.6em;
  margin-left: 2px;
  color: #9fc4ee;
  -webkit-text-fill-color: #9fc4ee;
}
.about-metric-label{
  font-size: 12px;
  color: rgba(255,255,255,.65);
  line-height: 1.4;
  letter-spacing: .02em;
}

.about-cta{
  background: #fff !important;
  color: var(--brand) !important;
  font-weight: 600;
  padding: 14px 24px;
  box-shadow: 0 10px 30px rgba(0,0,0,.2);
}
.about-cta:hover{background: #f0f5ff !important; transform: translateY(-2px)}

/* --- Right: image + chip + quote stack --- */
.about-hero-right{
  display: flex;
  flex-direction: column;
  gap: 20px;
}
.about-image-frame{
  position: relative;
  aspect-ratio: 4 / 3.2;
  border-radius: 22px;
  overflow: hidden;
  background: linear-gradient(135deg, rgba(255,255,255,.05), rgba(255,255,255,.02));
  border: 1px solid rgba(255,255,255,.08);
  box-shadow: 0 30px 60px rgba(0,0,0,.3);
}
.about-image-frame::before{
  content:"";
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg, transparent 40%, rgba(2, 31, 72, .55) 100%);
  z-index: 1;
  pointer-events: none;
}
.about-image-frame img{
  width: 100%; height: 100%;
  object-fit: cover;
  filter: saturate(1.05) contrast(1.02);
}
.about-image-chip{
  position: absolute;
  bottom: 18px;
  left: 18px;
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 8px 14px 8px 10px;
  border-radius: 999px;
  background: rgba(255,255,255,.95);
  color: var(--brand);
  font-size: 12px;
  font-weight: 600;
  z-index: 2;
  backdrop-filter: blur(10px);
  -webkit-backdrop-filter: blur(10px);
  box-shadow: 0 6px 20px rgba(0,0,0,.2);
}
.about-chip-pulse{
  width: 10px; height: 10px;
  border-radius: 50%;
  background: #22c55e;
  position: relative;
}
.about-chip-pulse::after{
  content:"";
  position: absolute;
  inset: -4px;
  border-radius: 50%;
  border: 2px solid #22c55e;
  opacity: 0;
  animation: chipPulse 2s infinite;
}
@keyframes chipPulse{
  0%{opacity: .6; transform: scale(.6)}
  70%{opacity: 0; transform: scale(1.4)}
  100%{opacity: 0; transform: scale(1.4)}
}

.about-quote{
  position: relative;
  padding: 22px 24px 22px 28px;
  border-left: 3px solid rgba(255,255,255,.4);
  background: linear-gradient(135deg, rgba(255,255,255,.06), rgba(255,255,255,.02));
  border-radius: 0 14px 14px 0;
  overflow: hidden;
}
.about-quote-mark{
  position: absolute;
  top: 14px; right: 18px;
  width: 32px; height: 26px;
  color: rgba(255,255,255,.1);
}
.about-quote p{
  font-size: 16px;
  font-weight: 500;
  line-height: 1.4;
  color: #fff;
  margin-bottom: 6px;
  letter-spacing: -0.005em;
}
.about-quote-by{
  font-size: 12px;
  color: rgba(255,255,255,.55);
  letter-spacing: .05em;
}

/* --- Marquee of features --- */
.about-marquee{
  position: relative;
  overflow: hidden;
  margin: 64px -24px 64px;
  padding: 22px 0;
  border-top: 1px solid rgba(255,255,255,.12);
  border-bottom: 1px solid rgba(255,255,255,.12);
  mask-image: linear-gradient(90deg, transparent, #000 10%, #000 90%, transparent);
  -webkit-mask-image: linear-gradient(90deg, transparent, #000 10%, #000 90%, transparent);
}
.about-marquee-track{
  display: flex;
  gap: 40px;
  white-space: nowrap;
  animation: marquee 35s linear infinite;
  width: max-content;
}
.about-marquee-track span{
  font-size: 15px;
  font-weight: 500;
  color: rgba(255,255,255,.85);
  letter-spacing: -0.01em;
}
.about-marquee-track span:nth-child(even){
  color: rgba(255,255,255,.45);
}
@keyframes marquee{
  from{transform: translateX(0)}
  to{transform: translateX(-50%)}
}

/* --- Reasons panel --- */
.about-reasons{
  position: relative;
  background: rgba(255,255,255,.04);
  border: 1px solid rgba(255,255,255,.1);
  border-radius: 28px;
  padding: 56px 48px;
  backdrop-filter: blur(14px);
  -webkit-backdrop-filter: blur(14px);
  overflow: hidden;
}
.about-reasons::before{
  content:"";
  position: absolute;
  inset: 0;
  background: radial-gradient(600px 300px at 0% 0%, rgba(255,255,255,.08), transparent 60%);
  pointer-events: none;
}
.about-reasons > *{position: relative; z-index: 1}

.about-reasons-head{
  display: grid;
  grid-template-columns: 1.2fr 1fr;
  gap: 40px;
  align-items: end;
  margin-bottom: 44px;
  padding-bottom: 32px;
  border-bottom: 1px solid rgba(255,255,255,.12);
}
.about-reasons-head h3{
  font-size: clamp(26px, 3.2vw, 40px);
  font-weight: 700;
  letter-spacing: -0.02em;
  line-height: 1.1;
  color: #fff;
}
.about-reasons-head h3 em{
  font-style: normal;
  background: linear-gradient(90deg, #ffffff 0%, #9fc4ee 100%);
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
}
.about-reasons-head p{
  font-size: 14px;
  color: rgba(255,255,255,.75);
  line-height: 1.7;
}

.about-reasons-grid{
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}
.about-reason{
  position: relative;
  background: rgba(255,255,255,.05);
  border: 1px solid rgba(255,255,255,.1);
  border-radius: 18px;
  padding: 32px 26px 28px;
  transition: transform .3s ease, background .3s ease, border-color .3s ease;
  overflow: hidden;
}
.about-reason:hover{
  transform: translateY(-6px);
  background: rgba(255,255,255,.1);
  border-color: rgba(255,255,255,.25);
}
.about-reason-num{
  position: absolute;
  top: 18px;
  right: 22px;
  font-size: 14px;
  font-weight: 700;
  letter-spacing: .1em;
  color: rgba(255,255,255,.3);
}
.about-reason-icon{
  width: 48px;
  height: 48px;
  border-radius: 12px;
  background: linear-gradient(135deg, rgba(255,255,255,.15), rgba(255,255,255,.05));
  border: 1px solid rgba(255,255,255,.18);
  color: #fff;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
}
.about-reason-icon svg{width: 22px; height: 22px}
.about-reason h4{
  font-size: 19px;
  font-weight: 700;
  margin-bottom: 10px;
  letter-spacing: -0.01em;
}
.about-reason p{
  font-size: 13.5px;
  color: rgba(255,255,255,.7);
  line-height: 1.6;
}

/* ---------- Process ---------- */
.process{
  position: relative;
  background: linear-gradient(180deg, #ffffff 0%, #f4f8fd 70%, #ffffff 100%);
  color: var(--ink);
  padding: 96px 0;
  overflow: hidden;
}
.process-bg{
  position: absolute; inset: 0;
  pointer-events: none;
  overflow: hidden;
}
.process-blob{
  position: absolute;
  border-radius: 50%;
  filter: blur(90px);
  opacity: .5;
}
.process-blob-a{
  width: 420px; height: 420px;
  background: rgba(5, 68, 139, .08);
  top: -140px; right: -80px;
}
.process-blob-b{
  width: 380px; height: 380px;
  background: rgba(28, 115, 214, .08);
  bottom: -160px; left: -140px;
}
.process-grid{
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(5, 68, 139, .05) 1px, transparent 1px),
    linear-gradient(90deg, rgba(5, 68, 139, .05) 1px, transparent 1px);
  background-size: 40px 40px;
  mask-image: radial-gradient(ellipse 70% 60% at 50% 50%, #000 30%, transparent 80%);
  -webkit-mask-image: radial-gradient(ellipse 70% 60% at 50% 50%, #000 30%, transparent 80%);
}
.process .container{position: relative; z-index: 1}

.process-eyebrow{
  display: inline-block;
  font-size: 11px;
  letter-spacing: .26em;
  text-transform: uppercase;
  font-weight: 700;
  color: var(--brand);
  padding: 6px 14px;
  border: 1px solid rgba(5, 68, 139, .2);
  border-radius: 999px;
  margin-bottom: 22px;
  background: rgba(255,255,255,.6);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
}

.process-head{
  display: grid;
  grid-template-columns: 1.05fr 1fr;
  gap: 56px;
  align-items: end;
  margin-bottom: 56px;
}
.process-head-left h2{
  font-size: clamp(32px, 4.4vw, 56px);
  font-weight: 700;
  letter-spacing: -0.025em;
  line-height: 1.06;
  color: var(--ink);
}
.process-accent{
  background: linear-gradient(90deg, #05448b 0%, #1c73d6 100%);
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
}
.process-head-right{
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 20px;
}
.process-head-right p{
  color: var(--muted);
  font-size: 15px;
  line-height: 1.7;
  max-width: 420px;
}
.process-cta{
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 14px 24px;
  font-weight: 600;
  box-shadow: 0 10px 24px rgba(5, 68, 139, .22);
}
.process-cta svg{width: 16px; height: 16px; transition: transform .25s ease}
.process-cta:hover svg{transform: translateX(3px)}

/* --- Progress rail --- */
.process-rail{
  position: relative;
  margin: 0 auto 56px;
  max-width: 860px;
  padding: 18px 40px 0;
}
.process-rail-line{
  position: absolute;
  top: 32px;
  left: 60px;
  right: 60px;
  height: 2px;
  background: repeating-linear-gradient(90deg, rgba(5, 68, 139, .18) 0 6px, transparent 6px 12px);
  border-radius: 2px;
}
.process-rail-progress{
  position: absolute;
  top: 32px;
  left: 60px;
  height: 2px;
  width: 0;
  background: linear-gradient(90deg, #05448b, #1c73d6);
  border-radius: 2px;
  transition: width 1.5s cubic-bezier(.4,0,.2,1);
  box-shadow: 0 0 12px rgba(5, 68, 139, .4);
}
.process-rail.in-view .process-rail-progress{
  width: calc(100% - 120px);
}
.process-rail-stops{
  display: flex;
  justify-content: space-between;
  position: relative;
  z-index: 1;
}
.process-rail-stop{
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 10px;
}
.process-rail-dot{
  width: 32px;
  height: 32px;
  border-radius: 50%;
  background: #fff;
  border: 2px solid rgba(5, 68, 139, .2);
  color: var(--brand);
  font-size: 13px;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 4px 12px rgba(5, 68, 139, .08);
  transition: all .4s ease;
}
.process-rail.in-view .process-rail-stop:nth-child(1) .process-rail-dot{
  background: linear-gradient(135deg, #05448b, #1c73d6);
  color: #fff;
  border-color: transparent;
  transition-delay: .1s;
}
.process-rail.in-view .process-rail-stop:nth-child(2) .process-rail-dot{
  background: linear-gradient(135deg, #05448b, #1c73d6);
  color: #fff;
  border-color: transparent;
  transition-delay: .8s;
}
.process-rail.in-view .process-rail-stop:nth-child(3) .process-rail-dot{
  background: linear-gradient(135deg, #05448b, #1c73d6);
  color: #fff;
  border-color: transparent;
  transition-delay: 1.4s;
}
.process-rail.in-view .process-rail-stop:nth-child(4) .process-rail-dot{
  background: linear-gradient(135deg, #05448b, #1c73d6);
  color: #fff;
  border-color: transparent;
  transition-delay: 2.0s;
}
.process-rail-label{
  font-size: 11px;
  font-weight: 600;
  letter-spacing: .18em;
  text-transform: uppercase;
  color: var(--muted);
}

/* --- Step cards --- */
.process-grid-cards{
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  position: relative;
  z-index: 1;
}
.process-grid-cards--4{grid-template-columns: repeat(4, 1fr); gap: 20px}
@media (max-width: 1100px){.process-grid-cards--4{grid-template-columns: repeat(2, 1fr)}}
.process-card{
  position: relative;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 22px;
  padding: 32px 30px 28px;
  display: flex;
  flex-direction: column;
  gap: 14px;
  overflow: hidden;
  transition: transform .35s ease, box-shadow .35s ease, border-color .35s ease;
}
.process-card:hover{
  transform: translateY(-8px);
  box-shadow: 0 30px 60px rgba(5, 68, 139, .14);
  border-color: transparent;
}
.process-card--featured{
  border-color: transparent;
  background:
    linear-gradient(#ffffff, #ffffff) padding-box,
    linear-gradient(135deg, #05448b 0%, #1c73d6 100%) border-box;
  border: 1.5px solid transparent;
  box-shadow: 0 14px 30px rgba(5, 68, 139, .12);
}
.process-big-num{
  position: absolute;
  top: -6px;
  right: 14px;
  font-size: 120px;
  font-weight: 900;
  line-height: 1;
  letter-spacing: -0.04em;
  color: transparent;
  -webkit-text-stroke: 2px rgba(5, 68, 139, .08);
  pointer-events: none;
  transition: -webkit-text-stroke-color .3s ease;
}
.process-card:hover .process-big-num{
  -webkit-text-stroke-color: rgba(5, 68, 139, .2);
}

.process-card-top{
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 4px;
}
.process-icon{
  width: 56px;
  height: 56px;
  border-radius: 14px;
  background: linear-gradient(160deg, #f4f8fd, #e6eef9);
  color: var(--brand);
  display: flex;
  align-items: center;
  justify-content: center;
  border: 1px solid rgba(5, 68, 139, .08);
  transition: all .35s ease;
}
.process-card:hover .process-icon{
  background: linear-gradient(135deg, #05448b, #1c73d6);
  color: #fff;
  border-color: transparent;
  transform: rotate(-6deg) scale(1.05);
}
.process-icon svg{width: 26px; height: 26px}

.process-chip{
  font-size: 11px;
  font-weight: 600;
  letter-spacing: .08em;
  text-transform: uppercase;
  color: var(--brand);
  background: var(--brand-light);
  padding: 6px 12px;
  border-radius: 999px;
}

.process-card h3{
  font-size: 22px;
  font-weight: 700;
  letter-spacing: -0.015em;
  color: var(--ink);
  margin-top: 6px;
}
.process-card > p{
  font-size: 14px;
  color: var(--muted);
  line-height: 1.65;
  margin: 0;
}
.process-bullets{
  list-style: none;
  padding: 0;
  margin: 8px 0 0;
  display: flex;
  flex-direction: column;
  gap: 8px;
  padding-top: 14px;
  border-top: 1px dashed var(--line);
}
.process-bullets li{
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 13px;
  color: var(--ink);
  font-weight: 500;
}
.bullet-check{
  width: 18px;
  height: 18px;
  border-radius: 50%;
  background: linear-gradient(135deg, #05448b, #1c73d6);
  color: #fff;
  font-size: 10px;
  font-weight: 700;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.process-arrow{display: none}

.process-footnote{
  margin-top: 48px;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  font-size: 13px;
  color: var(--muted);
  padding: 14px 22px;
  background: rgba(255,255,255,.7);
  border: 1px solid var(--line);
  border-radius: 999px;
  width: fit-content;
  margin-left: auto;
  margin-right: auto;
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
  box-shadow: 0 6px 18px rgba(5, 68, 139, .06);
}
.process-footnote strong{color: var(--ink); font-weight: 700}
.process-dot-pulse{
  width: 10px; height: 10px;
  border-radius: 50%;
  background: #22c55e;
  position: relative;
}
.process-dot-pulse::after{
  content:"";
  position: absolute;
  inset: -5px;
  border-radius: 50%;
  border: 2px solid #22c55e;
  animation: chipPulse 2s infinite;
}

@media (max-width: 900px){
  .process{padding: 72px 0}
  .process-head{
    grid-template-columns: 1fr;
    gap: 24px;
    margin-bottom: 40px;
  }
  .process-rail{padding: 18px 20px 0; margin-bottom: 40px}
  .process-rail-line, .process-rail-progress{left: 40px; right: 40px}
  .process-rail.in-view .process-rail-progress{width: calc(100% - 80px)}
  .process-grid-cards{grid-template-columns: 1fr; gap: 16px}
  .process-arrow{display: none}
  .process-big-num{font-size: 90px}
}

/* ---------- Reviews ---------- */
.reviews{
  position: relative;
  background: linear-gradient(180deg, #ffffff 0%, #f4f8fd 50%, #ffffff 100%);
  color: var(--ink);
  padding: 96px 0;
  overflow: hidden;
}
.reviews-bg{position: absolute; inset: 0; pointer-events: none; overflow: hidden}
.reviews-blob{
  position: absolute;
  border-radius: 50%;
  filter: blur(100px);
  opacity: .5;
}
.reviews-blob-a{
  width: 420px; height: 420px;
  background: rgba(5, 68, 139, .08);
  top: -140px; left: -80px;
}
.reviews-blob-b{
  width: 400px; height: 400px;
  background: rgba(66, 133, 244, .08);
  bottom: -160px; right: -100px;
}
.reviews .container{position: relative; z-index: 1}

/* Header */
.reviews-header{
  display: grid;
  grid-template-columns: 1.4fr 1fr;
  gap: 40px;
  align-items: center;
  margin-bottom: 56px;
  padding-bottom: 32px;
  border-bottom: 1px solid var(--line);
}
.reviews-eyebrow{
  display: inline-block;
  font-size: 11px;
  letter-spacing: .26em;
  text-transform: uppercase;
  font-weight: 700;
  color: var(--brand);
  padding: 6px 14px;
  border: 1px solid rgba(5, 68, 139, .2);
  border-radius: 999px;
  margin-bottom: 20px;
  background: rgba(255,255,255,.6);
}
.reviews-header h2{
  font-size: clamp(30px, 3.8vw, 48px);
  font-weight: 700;
  letter-spacing: -0.025em;
  line-height: 1.1;
  margin-bottom: 14px;
  color: var(--ink);
}
.reviews-accent{
  background: linear-gradient(90deg, #05448b 0%, #1c73d6 100%);
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
}
.reviews-header-left > p{
  color: var(--muted);
  font-size: 15px;
  line-height: 1.65;
  max-width: 460px;
}

.reviews-badge{
  display: flex;
  align-items: center;
  gap: 18px;
  background: #ffffff;
  border: 1px solid var(--line);
  border-radius: 18px;
  padding: 20px 24px;
  box-shadow: 0 10px 30px rgba(5, 68, 139, .08);
  justify-self: end;
  width: fit-content;
}
.reviews-g{
  width: 52px; height: 52px;
  flex-shrink: 0;
}
.reviews-badge-body{
  display: flex;
  flex-direction: column;
  gap: 2px;
}
.reviews-badge-rating{
  font-size: 34px;
  font-weight: 700;
  letter-spacing: -0.02em;
  line-height: 1;
  color: var(--ink);
}
.reviews-badge-stars{
  color: #f5a623;
  letter-spacing: 2px;
  font-size: 16px;
}
.reviews-badge-count{
  font-size: 12px;
  color: var(--muted);
}

/* Marquee */
.reviews-marquee{
  overflow: hidden;
  padding: 12px 0;
  mask-image: linear-gradient(90deg, transparent, #000 8%, #000 92%, transparent);
  -webkit-mask-image: linear-gradient(90deg, transparent, #000 8%, #000 92%, transparent);
}
.reviews-marquee + .reviews-marquee{margin-top: 8px}
.reviews-row{
  display: flex;
  gap: 20px;
  width: max-content;
}
.reviews-row-a{animation: reviewsScrollLeft 70s linear infinite}
.reviews-row-b{animation: reviewsScrollRight 70s linear infinite}
.reviews-marquee:hover .reviews-row{animation-play-state: paused}
@keyframes reviewsScrollLeft{
  from{transform: translateX(0)}
  to{transform: translateX(calc(-50% - 10px))}
}
@keyframes reviewsScrollRight{
  from{transform: translateX(calc(-50% - 10px))}
  to{transform: translateX(0)}
}

/* Review card */
.review-card{
  flex: 0 0 380px;
  background: #ffffff;
  border: 1px solid var(--line);
  border-radius: 18px;
  padding: 24px;
  display: flex;
  flex-direction: column;
  gap: 14px;
  transition: transform .3s ease, box-shadow .3s ease, border-color .3s ease;
  box-shadow: 0 4px 12px rgba(5, 68, 139, .04);
}
.review-card:hover{
  transform: translateY(-4px);
  box-shadow: 0 16px 36px rgba(5, 68, 139, .12);
  border-color: transparent;
}
.review-head{
  display: flex;
  align-items: center;
  gap: 12px;
}
.review-avatar{
  width: 44px; height: 44px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: #fff;
  font-weight: 600;
  font-size: 18px;
  flex-shrink: 0;
  text-transform: uppercase;
}
.review-meta{
  flex: 1;
  min-width: 0;
}
.review-meta strong{
  display: block;
  font-size: 14px;
  font-weight: 600;
  color: var(--ink);
  letter-spacing: -0.01em;
}
.review-meta span{
  font-size: 12px;
  color: var(--muted);
}
.review-g{width: 22px; height: 22px; flex-shrink: 0}
.review-stars{
  display: flex;
  align-items: center;
  gap: 8px;
  color: #f5a623;
  letter-spacing: 2px;
  font-size: 15px;
  font-weight: 500;
}
.review-stars span{
  color: var(--muted);
  letter-spacing: 0;
  font-size: 12px;
  font-weight: 400;
}
.review-card > p{
  font-size: 14px;
  color: #2a3548;
  line-height: 1.6;
  margin: 0;
}

/* CTA */
.reviews-cta-wrap{
  display: flex;
  justify-content: center;
  margin-top: 40px;
}
.reviews-cta{
  display: inline-flex;
  align-items: center;
  gap: 12px;
  padding: 14px 26px;
  background: #ffffff !important;
  color: var(--brand) !important;
  border: 1px solid var(--line);
  font-weight: 600;
  box-shadow: 0 8px 20px rgba(5, 68, 139, .08);
}
.reviews-cta:hover{
  background: var(--brand-light) !important;
  border-color: transparent;
  transform: translateY(-2px);
}
.reviews-cta-g{width: 20px; height: 20px}

@media (max-width: 860px){
  .reviews{padding: 72px 0}
  .reviews-header{
    grid-template-columns: 1fr;
    gap: 24px;
    padding-bottom: 24px;
    margin-bottom: 36px;
  }
  .reviews-badge{justify-self: start}
  .review-card{flex: 0 0 300px; padding: 20px}
}

/* ---------- Contact ---------- */
.contact{
  position: relative;
  padding: 96px 0;
  background: linear-gradient(165deg, #05448b 0%, #042d66 100%);
  color: #fff;
  overflow: hidden;
}
.contact-bg{position: absolute; inset: 0; pointer-events: none; overflow: hidden}
.contact-orb{
  position: absolute;
  border-radius: 50%;
  filter: blur(90px);
  opacity: .4;
}
.contact-orb-a{
  width: 420px; height: 420px;
  background: rgba(100, 170, 255, .25);
  top: -140px; right: -80px;
}
.contact-orb-b{
  width: 360px; height: 360px;
  background: rgba(5, 68, 139, .6);
  bottom: -160px; left: -120px;
}
.contact-grid-mask{
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,.04) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,.04) 1px, transparent 1px);
  background-size: 48px 48px;
  mask-image: radial-gradient(ellipse 60% 60% at 30% 50%, #000 0%, transparent 80%);
  -webkit-mask-image: radial-gradient(ellipse 60% 60% at 30% 50%, #000 0%, transparent 80%);
}
.contact .container{position: relative; z-index: 1}

.contact-grid{
  display: grid;
  grid-template-columns: 1fr 1.15fr;
  gap: 56px;
  align-items: center;
}

/* Left info */
.contact-eyebrow{
  display: inline-block;
  font-size: 11px;
  letter-spacing: .26em;
  text-transform: uppercase;
  font-weight: 600;
  color: rgba(255,255,255,.85);
  padding: 6px 14px;
  border: 1px solid rgba(255,255,255,.2);
  border-radius: 999px;
  margin-bottom: 22px;
  background: rgba(255,255,255,.06);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
}
.contact-info h2{
  font-size: clamp(32px, 4vw, 54px);
  font-weight: 700;
  letter-spacing: -0.025em;
  line-height: 1.06;
  margin-bottom: 18px;
  color: #fff;
}
.contact-accent{
  background: linear-gradient(90deg, #ffffff 0%, #9fc4ee 100%);
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
}
.contact-info > p{
  color: rgba(255,255,255,.75);
  font-size: 15px;
  line-height: 1.65;
  max-width: 440px;
  margin-bottom: 32px;
}

.contact-cards{
  display: flex;
  flex-direction: column;
  gap: 16px;
}
.contact-card{
  display: flex;
  align-items: flex-start;
  gap: 16px;
  padding: 22px 24px;
  background: rgba(255,255,255,.06);
  border: 1px solid rgba(255,255,255,.12);
  border-radius: 16px;
  backdrop-filter: blur(14px);
  -webkit-backdrop-filter: blur(14px);
  transition: background .25s ease, transform .25s ease, border-color .25s ease;
}
.contact-card:hover{
  background: rgba(255,255,255,.1);
  border-color: rgba(255,255,255,.2);
  transform: translateX(3px);
}
.contact-card-icon{
  width: 44px; height: 44px;
  border-radius: 12px;
  background: rgba(255,255,255,.14);
  border: 1px solid rgba(255,255,255,.18);
  color: #fff;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.contact-card-icon svg{width: 20px; height: 20px}
.contact-card-body strong{
  display: block;
  font-size: 14px;
  font-weight: 700;
  margin-bottom: 6px;
  color: #fff;
  letter-spacing: .02em;
}
.contact-card-body span{
  font-size: 13px;
  color: rgba(255,255,255,.75);
  line-height: 1.6;
}
.contact-card-body a{
  color: rgba(255,255,255,.85);
  transition: color .2s;
}
.contact-card-body a:hover{color: #fff; text-decoration: underline}

/* Right form */
.contact-form{
  background: #ffffff;
  color: var(--ink);
  border-radius: 20px;
  padding: 40px 38px;
  display: flex;
  flex-direction: column;
  gap: 24px;
  box-shadow: 0 30px 60px rgba(0,0,0,.25);
}
.contact-form-eyebrow{
  display: inline-block;
  align-self: flex-start;
  font-size: 11px;
  letter-spacing: .26em;
  text-transform: uppercase;
  font-weight: 700;
  color: var(--brand);
}
.contact-form h3{
  font-size: clamp(22px, 2.4vw, 30px);
  font-weight: 700;
  letter-spacing: -0.02em;
  color: var(--ink);
  margin-top: -8px;
}

.contact-form-grid{
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
}
.contact-field{
  position: relative;
}
.contact-field--full{grid-column: 1 / -1}
.contact-field input,
.contact-field textarea{
  width: 100%;
  padding: 18px 14px 10px;
  border: 1px solid var(--line);
  border-radius: 10px;
  font-size: 14px;
  background: #f6f8fc;
  color: var(--ink);
  font-family: inherit;
  resize: vertical;
  transition: border-color .2s, background .2s, box-shadow .2s;
}
.contact-field textarea{padding-top: 22px; min-height: 110px}
.contact-field input:focus,
.contact-field textarea:focus{
  outline: none;
  border-color: var(--brand);
  background: #fff;
  box-shadow: 0 0 0 3px rgba(5, 68, 139, .12);
}
.contact-field label{
  position: absolute;
  top: 14px;
  left: 15px;
  font-size: 13px;
  color: var(--muted);
  pointer-events: none;
  transition: all .2s ease;
}
.contact-field label span{color: #d93025}
.contact-field input:focus + label,
.contact-field input:not(:placeholder-shown) + label,
.contact-field textarea:focus + label,
.contact-field textarea:not(:placeholder-shown) + label{
  top: 5px;
  font-size: 10px;
  font-weight: 600;
  letter-spacing: .08em;
  text-transform: uppercase;
  color: var(--brand);
}

/* Checkbox */
.contact-check{
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 13px;
  color: var(--muted);
  cursor: pointer;
  user-select: none;
}
.contact-check input{
  position: absolute;
  opacity: 0;
  pointer-events: none;
}
.contact-check-box{
  width: 18px; height: 18px;
  border: 1.5px solid var(--line);
  border-radius: 4px;
  background: #fff;
  position: relative;
  flex-shrink: 0;
  transition: all .2s;
}
.contact-check input:checked + .contact-check-box{
  background: var(--brand);
  border-color: var(--brand);
}
.contact-check input:checked + .contact-check-box::after{
  content:"";
  position: absolute;
  top: 2px; left: 5px;
  width: 5px; height: 9px;
  border-right: 2px solid #fff;
  border-bottom: 2px solid #fff;
  transform: rotate(45deg);
}
.contact-check a{color: var(--brand); font-weight: 600}

.contact-submit{
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  padding: 16px 24px;
  font-size: 15px;
  font-weight: 600;
  box-shadow: 0 10px 24px rgba(5, 68, 139, .3);
}
.contact-submit svg{width: 16px; height: 16px; transition: transform .25s ease}
.contact-submit:hover svg{transform: translateX(3px)}

@media (max-width: 860px){
  .contact{padding: 72px 0}
  .contact-grid{grid-template-columns: 1fr; gap: 40px}
  .contact-form{padding: 28px 24px}
  .contact-form-grid{grid-template-columns: 1fr}
}

/* ---------- Footer ---------- */
.footer{
  position: relative;
  background: #f4f8fd;
  color: var(--muted);
  overflow: hidden;
}

/* Decorative background */
.footer-bg{
  position: absolute;
  inset: 0;
  pointer-events: none;
  overflow: hidden;
}
.footer-orb{
  position: absolute;
  border-radius: 50%;
  filter: blur(100px);
  opacity: .5;
}
.footer-orb-a{
  width: 500px; height: 500px;
  background: rgba(5, 68, 139, .1);
  top: -120px; left: -140px;
}
.footer-orb-b{
  width: 420px; height: 420px;
  background: rgba(100, 170, 255, .12);
  bottom: -160px; right: -100px;
}
.footer-grid-mask{
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(5, 68, 139, .05) 1px, transparent 1px),
    linear-gradient(90deg, rgba(5, 68, 139, .05) 1px, transparent 1px);
  background-size: 50px 50px;
  mask-image: radial-gradient(ellipse 70% 60% at 50% 30%, #000 20%, transparent 80%);
  -webkit-mask-image: radial-gradient(ellipse 70% 60% at 50% 30%, #000 20%, transparent 80%);
}

.footer-main{
  position: relative;
  z-index: 1;
  padding-top: 72px;
  padding-bottom: 40px;
}

.footer-grid{
  display: grid;
  grid-template-columns: 1.4fr 0.8fr 1.2fr 1.1fr;
  gap: 48px;
  padding-bottom: 48px;
}

/* Brand column */
.footer-logo{display: inline-block; margin-bottom: 20px}
.footer-logo img{
  height: 68px;
  width: auto;
  display: block;
}
.footer-brand p{
  font-size: 13px;
  line-height: 1.7;
  color: var(--muted);
  margin-bottom: 22px;
  max-width: 360px;
}
.footer-badges{
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.footer-badge{
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 10px 14px;
  background: #ffffff;
  border: 1px solid rgba(5, 68, 139, .1);
  border-radius: 10px;
  transition: background .25s, border-color .25s, box-shadow .25s;
  box-shadow: 0 2px 6px rgba(5, 68, 139, .04);
}
.footer-badge:hover{
  background: #ffffff;
  border-color: rgba(5, 68, 139, .25);
  box-shadow: 0 6px 18px rgba(5, 68, 139, .08);
}
.footer-badge svg{
  width: 22px; height: 22px;
  color: var(--brand);
  flex-shrink: 0;
}
.footer-badge strong{
  display: block;
  font-size: 12.5px;
  color: var(--ink);
  font-weight: 600;
}
.footer-badge span{
  font-size: 11px;
  color: var(--muted);
  letter-spacing: .02em;
}

/* Column headings */
.footer-col h4{
  color: var(--ink);
  font-size: 14px;
  font-weight: 700;
  letter-spacing: .02em;
  margin-bottom: 22px;
  position: relative;
  padding-bottom: 12px;
}
.footer-col h4::after{
  content: "";
  position: absolute;
  bottom: 0;
  left: 0;
  width: 28px;
  height: 2px;
  background: linear-gradient(90deg, #05448b, rgba(5, 68, 139, 0));
  border-radius: 2px;
}

/* Quick links */
.footer-col > a{
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 14px;
  color: var(--muted);
  margin-bottom: 10px;
  padding: 4px 0;
  transition: all .2s;
  text-decoration: none;
}
.fx-dot{
  width: 5px; height: 5px;
  border-radius: 50%;
  background: rgba(5, 68, 139, .25);
  transition: all .25s ease;
  flex-shrink: 0;
}
.footer-col > a:hover{
  color: var(--brand);
  padding-left: 6px;
}
.footer-col > a:hover .fx-dot{
  background: var(--brand);
  box-shadow: 0 0 8px rgba(5, 68, 139, .4);
  transform: scale(1.6);
}

/* Contact cards */
.footer-contact-intro{
  font-size: 13px;
  color: var(--muted);
  margin-bottom: 18px;
  line-height: 1.5;
}
.footer-contact-card{
  display: flex !important;
  align-items: center;
  gap: 14px;
  padding: 14px 14px !important;
  background: #ffffff;
  border: 1px solid rgba(5, 68, 139, .1);
  border-radius: 12px;
  margin-bottom: 10px !important;
  transition: all .25s ease;
  text-decoration: none;
  box-shadow: 0 2px 6px rgba(5, 68, 139, .04);
}
.footer-contact-card:hover{
  background: #ffffff;
  border-color: rgba(5, 68, 139, .25);
  transform: translateX(3px);
  box-shadow: 0 8px 20px rgba(5, 68, 139, .1);
}
.footer-contact-ico{
  width: 38px; height: 38px;
  border-radius: 10px;
  background: var(--brand-light);
  border: 1px solid rgba(5, 68, 139, .12);
  color: var(--brand);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.footer-contact-ico svg{width: 18px; height: 18px}
.footer-contact-card strong{
  display: block;
  font-size: 13px;
  color: var(--ink);
  font-weight: 600;
  line-height: 1.3;
  margin-bottom: 2px;
}
.footer-contact-card span{
  font-size: 11.5px;
  color: var(--muted);
  letter-spacing: .02em;
}

/* Newsletter */
.footer-news-intro{
  font-size: 13px;
  color: var(--muted);
  line-height: 1.6;
  margin-bottom: 16px;
}
.footer-news-form{
  position: relative;
  display: flex;
  background: #ffffff;
  border: 1px solid rgba(5, 68, 139, .15);
  border-radius: 999px;
  overflow: hidden;
  transition: border-color .25s, background .25s, box-shadow .25s;
  box-shadow: 0 2px 8px rgba(5, 68, 139, .05);
}
.footer-news-form:focus-within{
  border-color: rgba(5, 68, 139, .4);
  box-shadow: 0 0 0 3px rgba(5, 68, 139, .12);
}
.footer-news-form input{
  flex: 1;
  padding: 12px 16px;
  background: transparent;
  border: none;
  color: var(--ink);
  font-size: 13px;
  font-family: inherit;
}
.footer-news-form input::placeholder{color: var(--muted)}
.footer-news-form input:focus{outline: none}
.footer-news-form button{
  width: 40px;
  margin: 4px;
  border-radius: 999px;
  background: linear-gradient(135deg, #05448b, #1c73d6);
  color: #fff;
  cursor: pointer;
  transition: transform .25s;
  display: flex;
  align-items: center;
  justify-content: center;
}
.footer-news-form button:hover{transform: scale(1.05)}
.footer-news-form button svg{width: 14px; height: 14px}

.footer-news-ok{
  display: block;
  margin-top: 10px;
  font-size: 12px;
  color: #22c55e;
  font-weight: 600;
  opacity: 0;
  transition: opacity .3s;
}
.footer-news-ok.show{opacity: 1}

/* Socials */
.footer-socials{
  display: flex;
  gap: 10px;
  margin-top: 22px;
}
.footer-socials a{
  width: 38px;
  height: 38px;
  border-radius: 50%;
  background: #ffffff;
  border: 1px solid rgba(5, 68, 139, .12);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--ink);
  transition: all .25s ease;
  box-shadow: 0 2px 6px rgba(5, 68, 139, .04);
}
.footer-socials a svg{width: 15px; height: 15px}
.footer-socials a:hover{
  background: linear-gradient(135deg, #05448b, #1c73d6);
  color: #fff;
  border-color: transparent;
  transform: translateY(-3px);
  box-shadow: 0 10px 20px rgba(28, 115, 214, .3);
}

/* Giant wordmark */
.footer-wordmark{
  position: relative;
  text-align: center;
  font-size: clamp(36px, 9vw, 128px);
  font-weight: 900;
  letter-spacing: -0.03em;
  line-height: 1;
  margin: 28px 0 0;
  color: transparent;
  -webkit-text-stroke: 1.5px rgba(5, 68, 139, .28);
  user-select: none;
  pointer-events: none;
  white-space: nowrap;
  overflow: hidden;
  text-overflow: clip;
}

/* Bottom bar */
.footer-bottom{
  position: relative;
  z-index: 1;
  border-top: 1px solid rgba(5, 68, 139, .1);
  padding: 20px 0;
  background: rgba(255, 255, 255, .5);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
}
.footer-bottom-inner{
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 16px;
  font-size: 12.5px;
  color: var(--muted);
}
.footer-bottom-left,
.footer-bottom-right{
  display: flex;
  align-items: center;
  gap: 14px;
}
.footer-sep{opacity: .4; color: var(--muted)}
.footer-links{
  display: flex;
  align-items: center;
  gap: 14px;
  flex-wrap: wrap;
}
.footer-links a{
  color: var(--muted);
  text-decoration: none;
  transition: color .2s;
}
.footer-links a:hover{color: var(--brand)}
.footer-locale{
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 5px 12px;
  border-radius: 999px;
  background: #ffffff;
  border: 1px solid rgba(5, 68, 139, .12);
  color: var(--ink);
  font-size: 11.5px;
  font-weight: 600;
  letter-spacing: .1em;
}
.footer-locale svg{width: 12px; height: 12px; color: var(--brand)}

@media (max-width: 1000px){
  .footer-grid{grid-template-columns: 1fr 1fr; gap: 40px}
  .footer-cta-inner{grid-template-columns: 1fr; text-align: left}
}
@media (max-width: 640px){
  .footer-cta{padding: 32px 0}
  .footer-main{padding-top: 48px}
  .footer-grid{grid-template-columns: 1fr; gap: 32px}
  .footer-bottom-inner{
    flex-direction: column;
    text-align: center;
    justify-content: center;
  }
  .footer-wordmark{font-size: 60px}
}

/* ---------- Floating WhatsApp ---------- */
.wa-float{
  position: fixed;
  bottom: 24px;
  right: 24px;
  width: 60px;
  height: 60px;
  border-radius: 50%;
  background: #25D366;
  color: #ffffff;
  display: flex;
  align-items: center;
  justify-content: center;
  z-index: 99;
  box-shadow:
    0 10px 25px rgba(37, 211, 102, .45),
    0 4px 10px rgba(0, 0, 0, .15);
  transition: transform .3s ease, box-shadow .3s ease;
}
.wa-float svg{
  width: 32px;
  height: 32px;
  position: relative;
  z-index: 2;
}
.wa-pulse{
  position: absolute;
  inset: 0;
  border-radius: 50%;
  background: #25D366;
  z-index: 1;
  animation: waPulse 2s ease-out infinite;
}
.wa-pulse::after{
  content: "";
  position: absolute;
  inset: 0;
  border-radius: 50%;
  background: #25D366;
  animation: waPulse 2s ease-out infinite;
  animation-delay: 1s;
}
@keyframes waPulse{
  0%{ transform: scale(1); opacity: .6; }
  100%{ transform: scale(1.7); opacity: 0; }
}
.wa-float:hover{
  transform: scale(1.08) rotate(-6deg);
  box-shadow:
    0 14px 32px rgba(37, 211, 102, .55),
    0 6px 14px rgba(0, 0, 0, .2);
}

@media (max-width: 600px){
  .wa-float{
    bottom: 16px;
    right: 16px;
    width: 54px;
    height: 54px;
  }
  .wa-float svg{width: 28px; height: 28px}
}

/* ---------- Responsive ---------- */
@media (max-width: 960px){
  .nav-links, .navbar .btn{display:none}
  .nav-toggle{display:flex}
  .nav-toggle.open + .nav-links,
  .nav-links.open{
    display:flex;
    position:absolute;top:100%;left:0;right:0;
    flex-direction:column;
    align-items: stretch;
    background:#fff;
    padding:20px 24px;
    gap:14px;
    border-top:1px solid rgba(5, 68, 139, .08);
    box-shadow: 0 8px 20px rgba(5, 68, 139, .08);
    max-height: 80vh;
    overflow-y: auto;
  }
  .nav-mega{
    position: static !important;
    transform: none !important;
    width: 100% !important;
    box-shadow: none !important;
    padding: 8px 0 !important;
    opacity: 1 !important;
    pointer-events: auto !important;
    background: transparent !important;
  }
  .nav-mega-inner{grid-template-columns: 1fr !important}
  .nav-mega-card{padding: 8px 12px !important}
  .nav-coming::after{display: none}
  .hero-card{padding: 40px 32px}
  .services-grid{grid-template-columns:1fr;gap:20px}
  .about{padding: 72px 0}
  .about-hero{grid-template-columns:1fr;gap:40px;margin-bottom:40px}
  .about-hero-right{max-width:560px}
  .about-metrics{grid-template-columns:repeat(3,1fr);gap:12px;padding:18px 0}
  .about-marquee{margin: 36px -24px}
  .about-reasons{padding: 36px 24px}
  .about-reasons-head{grid-template-columns:1fr;gap:16px;align-items:start;padding-bottom:24px;margin-bottom:28px}
  .about-reasons-grid{grid-template-columns:1fr;gap:14px}
  .about-mega{font-size: 240px; top: 20px}
  .review-card{flex: 0 0 85%}
}

@media (max-width: 960px){
  .stats-grid{grid-template-columns:repeat(2, 1fr)}
}

@media (max-width: 600px){
  .hero{padding:56px 0 24px}
  .hero-card{padding:32px 24px;border-radius:16px}
  .stats{padding:48px 0}
  .stats-grid{grid-template-columns:1fr;gap:12px}
  .services{padding:64px 0}
  .about,.reviews,.contact{padding:64px 0}
  .footer-grid{grid-template-columns:1fr}
  .footer-bottom-inner{flex-direction:column;text-align:center}
}