/* ==========================================================================
   Jana Finserv — Core stylesheet
   Palette pulled directly from the logo mark's own gradient: teal -> blue -> green.
   Typography and layout rebuilt to read as its own brand, not a reskin.
   ========================================================================== */

:root{
  /* Brand — exact gradient stops sampled from the Jana Finserv logo artwork */
  --navy:#0070B8;
  --navy-900:#04141F;
  --navy-800:#082238;
  --navy-700:#0C3A5C;
  --navy-600:#0070B8;
  --navy-050:#E9F4FB;

  --pista:#00A756;
  --pista-700:#0B7A42;
  --pista-600:#009A4E;
  --pista-100:#DEF5E5;
  --pista-050:#F0FBF3;

  --teal:#00A997;
  --grad-brand:linear-gradient(115deg,var(--teal) 0%,var(--navy) 52%,var(--pista) 100%);
  --grad-ink:linear-gradient(160deg,#04141F 0%,#0A2C3E 60%,#0B3226 100%);

  /* Neutrals */
  --ink:#0B1420;
  --body:#3E4A52;
  --muted:#6B7A80;
  --line:#DFE7E6;
  --line-soft:#EEF3F2;
  --paper:#F6F9F8;
  --surface:#FFFFFF;

  /* Signals */
  --up:#1B8A4B;
  --down:#C42B2B;
  --warn:#B87503;

  /* Type — a geometric display face instead of an editorial serif, so this
     reads as its own identity. */
  --display:"Fraunces","Georgia",serif;
  --sans:"DM Sans","Helvetica Neue",Arial,sans-serif;
  --mono:"IBM Plex Mono",ui-monospace,SFMono-Regular,Menlo,monospace;

  /* Metrics — rounder, softer scale */
  --wrap:1240px;
  --gutter:clamp(18px,4vw,40px);
  --r-sm:10px;
  --r:18px;
  --r-lg:28px;
  --shadow-sm:0 1px 2px rgba(4,20,31,.06),0 4px 14px rgba(4,20,31,.05);
  --shadow:0 10px 34px rgba(4,20,31,.10);
  --shadow-lg:0 26px 70px rgba(4,20,31,.16);
  --nav-h:76px;
}

/* ---------- Reset ---------- */
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth;scroll-padding-top:120px}
body{
  margin:0;background:var(--paper);color:var(--body);
  font-family:var(--sans);font-size:16.5px;line-height:1.68;
  font-weight:400;-webkit-font-smoothing:antialiased;overflow-x:hidden;
}
img,svg,video{max-width:100%;display:block}
img{height:auto}
a{color:var(--navy-600);text-decoration:none}
a:hover{color:var(--pista-700)}
button,input,select,textarea{font:inherit;color:inherit}
h1,h2,h3,h4,h5{margin:0 0 .5em;color:var(--ink);font-weight:600;line-height:1.14;letter-spacing:-.015em}
h1,h2,h3{font-family:var(--display);font-optical-sizing:auto}
p{margin:0 0 1.05em}
ul,ol{margin:0 0 1.1em;padding-left:1.25em}
li{margin-bottom:.42em}
hr{border:0;border-top:1px solid var(--line);margin:2.5rem 0}
::selection{background:var(--pista);color:var(--navy-900)}

:focus-visible{outline:3px solid var(--pista-600);outline-offset:2px;border-radius:3px}

/* ---------- Utilities ---------- */
.wrap{width:100%;max-width:var(--wrap);margin-inline:auto;padding-inline:var(--gutter)}
.wrap-narrow{max-width:860px}
/* Wider container used by the top bar, the header and the footer.
   Identical to .wrap on phones; opens out to 90% on desktop. */
.wrap--wide{max-width:var(--wrap)}
@media (min-width:1000px){ .wrap--wide{max-width:min(90vw,1728px)} }
.section{padding:clamp(56px,7.5vw,104px) 0}
.section--tight{padding:clamp(40px,5vw,64px) 0}
.section--paper{background:var(--paper)}
.section--white{background:var(--surface)}
.section--mint{background:var(--pista-050)}
.section--mkt{background:linear-gradient(180deg,#EAF4F1 0%,#DDEEE8 100%)}
.section--mkt .mkt-cards{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.section--mkt .mkt-card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:20px;display:block}
.section--mkt .mkt-card__nm{display:block;font-family:var(--mono);font-size:10.5px;letter-spacing:.1em;text-transform:uppercase;color:var(--muted)}
.section--mkt .mkt-card b{display:block;font-family:var(--display);font-size:26px;font-weight:600;color:var(--ink);margin:6px 0 4px;line-height:1}
.section--mkt .mkt-card__chg{font-size:13px;font-weight:700}
.section--mkt .mkt-card__chg.is-up{color:#0c9a5c}
.section--mkt .mkt-card__chg.is-down{color:#d43b3b}
.section--mkt .mkt-spark{width:100%;height:34px;margin-top:10px;display:block}
.section--mkt .mkt-note{font-size:12px;color:var(--muted);margin-top:18px;max-width:none}
@media (max-width:900px){.section--mkt .mkt-cards{grid-template-columns:1fr 1fr}}
.section--navy{background:var(--navy-900);color:#C9CFEA}
.section--navy h2,.section--navy h3,.section--navy h4{color:#fff}
.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
.center{text-align:center}
.mt-0{margin-top:0}.mb-0{margin-bottom:0}

/* Eyebrow / kicker */
.eyebrow{
  display:inline-flex;align-items:center;gap:.6em;
  font-family:var(--mono);font-size:11.5px;font-weight:500;
  letter-spacing:.16em;text-transform:uppercase;color:var(--pista-700);
  margin:0 0 .9rem;
}
.eyebrow::before{content:"";width:22px;height:2px;background:var(--pista);flex:none}
.section--navy .eyebrow{color:var(--pista)}
.section--navy .eyebrow::before{background:var(--pista)}

/* Section heading */
.s-head{max-width:760px;margin-bottom:clamp(30px,4vw,52px)}
.s-head.center{margin-inline:auto;text-align:center}
.s-head.center h2,.s-head.center p{margin-inline:auto}
.s-head.center .eyebrow{justify-content:center}
.s-head h2{font-size:clamp(25px,3.2vw,38px);font-weight:700;letter-spacing:-.015em;text-wrap:balance}
.s-head h2 em{font-style:normal;font-weight:800;background:var(--grad-brand);-webkit-background-clip:text;background-clip:text;color:transparent}
.section--navy .s-head h2 em{background:linear-gradient(115deg,#5FE0CE,#7EC4F0,#7EE7A8);-webkit-background-clip:text;background-clip:text;color:transparent}
.s-head p{font-size:clamp(15.5px,1.6vw,18px);color:var(--muted);margin-bottom:0}
.section--navy .s-head p{color:#A9B2D8}

/* Lede */
.lede{font-size:clamp(17px,2vw,20.5px);line-height:1.6;color:var(--ink);font-weight:400}

/* ---------- Buttons ---------- */
.btn{
  --bg:var(--navy-800);--fg:#fff;--bd:var(--navy-800);
  display:inline-flex;align-items:center;justify-content:center;gap:.6em;
  background:var(--bg);color:var(--fg);border:1.5px solid var(--bd);
  padding:.82em 1.7em;border-radius:100px;cursor:pointer;
  font-size:15px;font-weight:700;letter-spacing:.005em;line-height:1.2;
  transition:transform .16s ease,box-shadow .2s ease,background .2s ease,color .2s ease,border-color .2s ease;
  text-align:center;
}
.btn:hover{color:var(--fg);transform:translateY(-2px);box-shadow:0 10px 24px rgba(4,20,31,.22)}
.btn:active{transform:translateY(0)}
.btn--green{background:var(--grad-brand);--fg:#fff;border-color:transparent}
.btn--green:hover{box-shadow:0 14px 30px -6px rgba(0,167,86,.45);filter:brightness(1.06)}
.btn--ghost{--bg:transparent;--fg:var(--navy-800);--bd:#C7D6DA}
.btn--ghost:hover{--bg:var(--navy-050);--bd:var(--navy-600);box-shadow:none}
.btn--onnavy{--bg:transparent;--fg:#fff;--bd:rgba(255,255,255,.4)}
.btn--onnavy:hover{--bg:rgba(255,255,255,.1);--bd:#fff;box-shadow:none}
.btn--sm{padding:.6em 1.05em;font-size:13.5px}
.btn--lg{padding:1em 1.9em;font-size:16px}
.btn--block{width:100%}
.btn-row{display:flex;flex-wrap:wrap;gap:12px;align-items:center}
.btn-row.center{justify-content:center}

/* text link with arrow */
.tlink{display:inline-flex;align-items:center;gap:.45em;font-weight:600;font-size:14.5px;color:var(--navy)}
.tlink span{transition:transform .18s ease;display:inline-block}
.tlink:hover span{transform:translateX(4px)}

/* ---------- Ticker rail (top) ---------- */
.tapebar{background:var(--navy-900);border-bottom:1px solid rgba(255,255,255,.08)}
.tapebar__inner{display:flex;align-items:stretch;max-width:none;overflow:hidden}
.tape-label{
  flex:none;display:flex;align-items:center;gap:8px;padding:0 14px;
  background:var(--navy);color:#fff;font-family:var(--mono);
  font-size:10.5px;font-weight:500;letter-spacing:.14em;text-transform:uppercase;white-space:nowrap;
}
.tape-label .dot{width:7px;height:7px;border-radius:50%;background:var(--pista);animation:pulse 1.9s infinite}
@keyframes pulse{0%,100%{opacity:1;transform:scale(1)}50%{opacity:.35;transform:scale(.75)}}
.tape{flex:1 1 auto;min-width:0;overflow:hidden;position:relative;min-height:38px;display:flex;align-items:center}
.tape__track{display:inline-flex;align-items:center;white-space:nowrap;will-change:transform;animation:marquee 46s linear infinite}
.tape:hover .tape__track{animation-play-state:paused}
@keyframes marquee{from{transform:translateX(0)}to{transform:translateX(-50%)}}
.quote{
  display:inline-flex;align-items:baseline;gap:8px;padding:0 20px;
  font-family:var(--mono);font-size:12px;color:#D6DBF2;
  border-right:1px solid rgba(255,255,255,.08);
}
.quote b{color:#fff;font-weight:500;letter-spacing:.04em}
.quote .val{color:#fff}
.quote .chg{font-size:11.5px}
.quote .chg.up{color:#7FE0A6}
.quote .chg.down{color:#FF9C9C}
.quote i{font-style:normal;color:#fff;margin-left:6px}
.quote u{text-decoration:none;margin-left:6px;font-size:11.5px}
.quote u.is-up{color:#7FE0A6}
.quote u.is-down{color:#FF9C9C}
.tapebar:hover .tape__track{animation-play-state:paused}
.quote--fact{color:#C3CAEC}
.quote--fact b{color:var(--pista);font-weight:600}
.tape-note{flex:none;display:flex;align-items:center;padding:0 12px;font-family:var(--mono);font-size:10px;color:#7A82AE;letter-spacing:.08em;white-space:nowrap}

/* ---------- Info bar ---------- */
.infobar{background:var(--navy-800);color:#B9C0E4;font-size:13px}
.infobar__inner{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:40px;flex-wrap:nowrap}
.infobar a{color:#D8DDF5}
.infobar a:hover{color:var(--pista)}
.infobar__left,.infobar__right{display:flex;align-items:center;gap:18px;flex-wrap:wrap}
.infobar .sep{width:1px;height:14px;background:rgba(255,255,255,.18)}
.infobar .arn{font-family:var(--mono);font-size:10.3px;letter-spacing:.02em;color:var(--pista);line-height:1.6}
.arn__sep{display:inline-block;width:1px;height:10px;margin:0 8px;background:rgba(255,255,255,.26);vertical-align:-1px}
.infobar__left{flex:1 1 auto;min-width:0}
.infobar__right{flex:none;white-space:nowrap}
@media (max-width:760px){
  .infobar__inner{justify-content:center;min-height:34px}
  .infobar__left{display:none}
  .infobar__right{gap:10px;font-size:11.5px}
  .infobar .hide-sm{display:none}
}

/* ---------- Header / Nav ---------- */
.site-header{position:sticky;top:0;z-index:900;background:var(--surface);border-bottom:1px solid var(--line);transition:box-shadow .25s ease}
.site-header.is-stuck{box-shadow:0 6px 26px rgba(11,16,48,.09)}
.nav{display:flex;align-items:center;justify-content:space-between;gap:20px;min-height:var(--nav-h)}
.brand{display:flex;align-items:center;gap:10px;flex:none}
.brand__logo{height:52px;width:auto;display:block}
.brand img{height:52px;width:auto;display:block}
.brand__word{font-family:var(--display);font-weight:800;font-size:19px;letter-spacing:-.01em;
  background:var(--grad-brand);-webkit-background-clip:text;background-clip:text;color:transparent}
.brand__word span{display:block;font-family:var(--sans);font-weight:700;font-size:9px;letter-spacing:.16em;
  -webkit-text-fill-color:var(--muted);color:var(--muted);margin-top:1px}
.brand--footer{background:#fff;border-radius:14px;padding:12px 18px;display:inline-flex;margin-bottom:18px}
.brand--footer img{height:44px;width:auto;display:block}
.brand--footer .brand__word{background:linear-gradient(115deg,#5FE0CE,#7EC4F0,#7EE7A8);-webkit-background-clip:text;background-clip:text}
.brand--footer .brand__word span{-webkit-text-fill-color:#8FB0AA;color:#8FB0AA}
.brand__txt{display:none}

.menu{display:flex;align-items:center;gap:2px;list-style:none;margin:0;padding:0}
.menu>li{position:relative;margin:0}
.menu>li>a{
  display:flex;align-items:center;gap:5px;padding:10px 12px;border-radius:var(--r-sm);
  font-size:14.5px;font-weight:500;color:var(--ink);white-space:nowrap;
}
.menu>li>a:hover,.menu>li.is-open>a{background:var(--navy-050);color:var(--navy)}
.menu>li>a[aria-current="page"],.menu>li.active>a{color:var(--navy);font-weight:600}
.menu>li>a[aria-current="page"]::after,.menu>li.active>a::after{
  content:"";position:absolute;left:12px;right:12px;bottom:-1px;height:2.5px;background:var(--pista);border-radius:2px
}
.caret{width:9px;height:9px;flex:none;transition:transform .2s ease;opacity:.6}
.menu>li.is-open .caret{transform:rotate(180deg)}

.submenu{
  position:absolute;top:calc(100% + 6px);left:0;min-width:270px;background:var(--surface);
  border:1px solid var(--line);border-radius:var(--r);box-shadow:var(--shadow);
  padding:8px;list-style:none;margin:0;opacity:0;visibility:hidden;transform:translateY(6px);
  transition:opacity .18s ease,transform .18s ease,visibility .18s;z-index:40;
}
.menu>li:hover>.submenu,.menu>li.is-open>.submenu,.submenu:focus-within{opacity:1;visibility:visible;transform:translateY(0)}
.submenu li{margin:0}
.submenu a{display:block;padding:9px 12px;border-radius:var(--r-sm);font-size:14px;color:var(--body);font-weight:500}
.submenu a:hover{background:var(--pista-050);color:var(--navy)}
.submenu .sub-head{
  padding:10px 12px 4px;font-family:var(--mono);font-size:10px;letter-spacing:.14em;
  text-transform:uppercase;color:var(--muted);pointer-events:none
}

.nav__cta{display:flex;align-items:center;gap:10px;flex:none}
.burger{
  display:none;width:44px;height:44px;border:1px solid var(--line);background:var(--surface);
  border-radius:var(--r-sm);cursor:pointer;align-items:center;justify-content:center;flex-direction:column;gap:4.5px
}
.burger span{display:block;width:20px;height:2px;background:var(--navy);border-radius:2px;transition:transform .25s ease,opacity .2s ease}
.burger[aria-expanded="true"] span:nth-child(1){transform:translateY(6.5px) rotate(45deg)}
.burger[aria-expanded="true"] span:nth-child(2){opacity:0}
.burger[aria-expanded="true"] span:nth-child(3){transform:translateY(-6.5px) rotate(-45deg)}

/* Mobile drawer */
.drawer{
  position:fixed;inset:0 0 0 auto;width:min(400px,88vw);background:var(--surface);z-index:1000;
  transform:translateX(100%);transition:transform .32s cubic-bezier(.4,0,.2,1);
  display:flex;flex-direction:column;box-shadow:var(--shadow-lg);
}
.drawer.is-open{transform:translateX(0)}
.drawer__top{display:flex;align-items:center;justify-content:space-between;padding:14px 18px;border-bottom:1px solid var(--line)}
.drawer__title{font-family:var(--display);font-weight:700;font-size:16px;color:var(--navy)}
.drawer__close{width:40px;height:40px;border:1px solid var(--line);background:none;border-radius:var(--r-sm);font-size:22px;line-height:1;cursor:pointer;color:var(--navy)}
.drawer__body{flex:1;overflow-y:auto;padding:8px 12px 26px;-webkit-overflow-scrolling:touch}
.drawer__body ul{list-style:none;margin:0;padding:0}
.drawer__body li{margin:0;border-bottom:1px solid var(--line-soft)}
.drawer__body a{display:block;padding:14px 8px;font-size:15.5px;font-weight:500;color:var(--ink)}
.acc-btn{
  width:100%;display:flex;align-items:center;justify-content:space-between;gap:10px;
  padding:14px 8px;background:none;border:0;cursor:pointer;font-size:15.5px;font-weight:500;color:var(--ink);text-align:left
}
.acc-btn .caret{width:11px;height:11px}
.acc-btn[aria-expanded="true"] .caret{transform:rotate(180deg)}
.acc-panel{display:none;padding:0 0 10px 12px;border-left:2px solid var(--pista);margin:0 0 10px 6px}
.acc-panel.is-open{display:block}
.acc-panel a{padding:9px 8px;font-size:14.5px;font-weight:400;color:var(--body)}
.drawer__foot{padding:16px 18px;border-top:1px solid var(--line);display:grid;gap:9px}
.backdrop{position:fixed;inset:0;background:rgba(5,8,43,.55);backdrop-filter:blur(2px);z-index:990;opacity:0;visibility:hidden;transition:opacity .3s ease,visibility .3s}
.backdrop.is-on{opacity:1;visibility:visible}

/* ---------- Hero ---------- */
.hero{position:relative;background:var(--grad-ink);color:#D6E7E3;overflow:hidden}
.hero::after{
  content:"";position:absolute;inset:0;pointer-events:none;
  background:
    radial-gradient(900px 420px at 8% 0%,rgba(0,169,151,.20),transparent 62%),
    radial-gradient(760px 460px at 92% 100%,rgba(0,112,184,.35),transparent 60%);
}
.hero::before{
  content:"";position:absolute;top:18px;right:8%;width:70px;height:70px;pointer-events:none;z-index:2;
  background-image:radial-gradient(rgba(0,169,151,.55) 2px,transparent 2px);
  background-size:12px 12px;opacity:.7;
}
.hero__grid{position:relative;z-index:2;display:grid;grid-template-columns:1.06fr .94fr;gap:clamp(30px,4.5vw,64px);align-items:center;padding-block:clamp(48px,6.5vw,92px)}
.hero h1{
  color:#fff;font-size:clamp(34px,5.4vw,63px);font-weight:700;line-height:1.05;letter-spacing:-.03em;margin-bottom:.42em
}
.hero h1 em{font-style:normal;font-weight:800;background:linear-gradient(115deg,#5FE0CE,#7EC4F0,#7EE7A8);-webkit-background-clip:text;background-clip:text;color:transparent}
.hero__sub{font-size:clamp(16px,1.9vw,19.5px);color:#AEC9C4;max-width:52ch;margin-bottom:1.7em}
.hero__chips{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:26px}
.chip{
  display:inline-flex;align-items:center;gap:7px;padding:6px 12px;border-radius:999px;
  border:1px solid rgba(255,255,255,.2);background:rgba(255,255,255,.06);
  font-family:var(--sans);font-size:12px;font-weight:600;letter-spacing:.01em;color:#E3F3EF
}
.chip .dot{width:6px;height:6px;border-radius:50%;background:var(--pista)}
.hero__stats{display:flex;align-items:flex-start;gap:clamp(14px,1.8vw,26px);margin-top:34px;padding-top:24px;
  border-top:1px solid rgba(255,255,255,.14);flex-wrap:nowrap}
.hero__stats div{min-width:0;flex:1 1 0}
.hero__stats div + div{padding-left:clamp(14px,1.8vw,26px);border-left:1px solid rgba(255,255,255,.12)}
.hero__stats b{display:block;font-family:var(--display);font-size:clamp(17px,1.65vw,23px);color:#fff;font-weight:700;
  line-height:1.1;white-space:nowrap}
.hero__stats span{display:block;font-family:var(--sans);font-size:9.5px;letter-spacing:.07em;text-transform:uppercase;
  color:#8FB0AA;font-weight:600;line-height:1.35;margin-top:5px}
@media (max-width:620px){
  .hero__stats{flex-wrap:wrap;gap:16px 0}
  .hero__stats div{flex:1 1 50%}
  .hero__stats div + div{padding-left:0;border-left:0}
  .hero__stats div:nth-child(even){padding-left:16px;border-left:1px solid rgba(255,255,255,.12)}
  .hero__stats b{font-size:19px}
}

/* ---- hero slider ---- */
.hslides{display:grid}
.hslide{grid-area:1/1;display:flex;flex-direction:column;justify-content:center;opacity:0;visibility:hidden;pointer-events:none;
  transform:translateY(14px);transition:opacity .55s ease,transform .55s cubic-bezier(.22,.8,.3,1),visibility 0s linear .55s}
.hslide.is-on{opacity:1;visibility:visible;pointer-events:auto;transform:none;transition-delay:0s,0s,0s}
.hslide__h{font-family:var(--display);font-weight:700;letter-spacing:-.016em;line-height:1.08;
  color:#fff;font-size:clamp(29px,4.05vw,54px);margin:0 0 .5em;text-wrap:balance}
.hslide__h em{font-style:normal;font-weight:800;
  background:linear-gradient(115deg,#5FE0CE,#7EC4F0,#7EE7A8);-webkit-background-clip:text;background-clip:text;color:transparent}
.hslide__kicker{font-family:var(--display);font-weight:600;font-size:clamp(16px,1.75vw,21px);
  color:#CFE6E1;margin:-.15em 0 .85em;line-height:1.34}
.hslide__h--long{font-size:clamp(25px,3.05vw,38px);line-height:1.14}
.hslide__tags{font-family:var(--mono);font-size:clamp(10px,1vw,11.4px);letter-spacing:.085em;
  text-transform:uppercase;color:#7EE7A8;margin:0 0 1.2em;line-height:1.85}
.hslide__tags i{font-style:normal;color:rgba(255,255,255,.3);margin-left:3px}
.hslide__tags .nb{white-space:nowrap}
.hslide .hero__sub{margin-bottom:1.5em}
.hslide .btn-row{margin:0}

.hslides__nav{display:flex;align-items:center;justify-content:space-between;gap:18px;margin-top:30px}
.hslides__bars{display:flex;align-items:center;gap:14px;min-width:0}
.hbar{display:flex;align-items:center;gap:9px;background:none;border:0;padding:0;cursor:pointer;
  color:rgba(255,255,255,.42);font-family:var(--mono);font-size:10.5px;letter-spacing:.1em;
  transition:color .3s ease}
.hbar span{line-height:1}
.hbar i{display:block;width:30px;height:2px;border-radius:2px;background:rgba(255,255,255,.2);
  position:relative;overflow:hidden;transition:width .4s cubic-bezier(.22,.8,.3,1),background .3s ease}
.hbar:hover{color:rgba(255,255,255,.8)}
.hbar.is-on{color:#fff}
.hbar.is-on i{width:52px;background:rgba(255,255,255,.22)}
.hbar.is-on i::after{content:"";position:absolute;inset:0;transform-origin:left;transform:scaleX(0);
  background:linear-gradient(90deg,var(--teal),var(--pista))}
.hbar.is-on i.run::after{animation:hbarfill var(--hdur,6500ms) linear forwards}
@keyframes hbarfill{from{transform:scaleX(0)}to{transform:scaleX(1)}}
.hslides__arrows{display:flex;gap:8px;flex:none}
.harrow{width:38px;height:38px;border-radius:50%;display:grid;place-items:center;cursor:pointer;
  background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.16);color:#D6E7E3;
  transition:background .25s ease,border-color .25s ease,color .25s ease}
.harrow:hover{background:rgba(255,255,255,.13);border-color:rgba(255,255,255,.3);color:#fff}
.harrow:focus-visible{outline:2px solid var(--pista);outline-offset:2px}

@media (max-width:640px){
  /* side-by-side CTAs keep every slide close to the same height */
  .hslide .btn-row{display:grid;grid-auto-flow:column;grid-auto-columns:1fr;gap:10px}
  .hslide .btn-row .btn{padding-inline:12px;font-size:14.5px;text-align:center;justify-content:center}
  .hslide__kicker{margin-bottom:.7em}
  .hslide__tags{margin-bottom:1em}
  .hslides__nav{margin-top:22px;gap:12px}
  .hbar i{width:22px}
  .hbar.is-on i{width:38px}
  .hbar span{font-size:9.5px}
  .harrow{width:34px;height:34px}
}
@media (prefers-reduced-motion:reduce){
  .hslide{transition:opacity .2s linear,visibility 0s}
  .hslide,.hslide.is-on{transform:none}
  .hbar.is-on i.run::after{animation:none;transform:scaleX(1)}
}

.hero__media{position:relative;aspect-ratio:4/4.4;border-radius:var(--r-lg);overflow:hidden;box-shadow:var(--shadow-lg)}
.hero__media img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;opacity:0;transition:opacity 1.3s ease,transform 8s linear;transform:scale(1.06)}
.hero__media img.is-on{opacity:1;transform:scale(1)}
.hero__badge{
  position:absolute;left:-14px;bottom:26px;z-index:3;background:var(--grad-brand);color:#fff;
  padding:14px 18px;border-radius:var(--r);box-shadow:var(--shadow);max-width:230px
}
.hero__badge b{display:block;font-family:var(--display);font-size:15px;letter-spacing:.02em;font-weight:700}
.hero__badge span{font-size:12.5px;line-height:1.35;display:block;margin-top:2px;font-weight:500}

/* ---------- Marquee credential strip ---------- */
.credstrip{background:var(--grad-brand);color:#fff;overflow:hidden;padding:11px 0}
.credstrip__track{display:inline-flex;white-space:nowrap;animation:marquee 34s linear infinite}
.credstrip span{
  padding:0 26px;font-family:var(--sans);font-size:12px;font-weight:700;
  letter-spacing:.04em;text-transform:uppercase;display:inline-flex;align-items:center;gap:26px
}
.credstrip span::after{content:"◆";font-size:8px;opacity:.7}

/* ---------- Cards ---------- */
.grid{display:grid;gap:22px;align-items:stretch}
.grid > .card{height:100%}
.grid-2{grid-template-columns:repeat(2,1fr)}
.grid-3{grid-template-columns:repeat(3,1fr)}
.grid-4{grid-template-columns:repeat(4,1fr)}

.card{
  background:var(--surface);border:1px solid var(--line);border-radius:var(--r);
  padding:26px;display:flex;flex-direction:column;position:relative;overflow:hidden;
  transition:transform .22s ease,box-shadow .25s ease,border-color .22s ease
}
.card::before{content:"";position:absolute;top:0;left:0;right:0;height:4px;background:var(--grad-brand);opacity:0;transition:opacity .22s ease}
.card:hover{transform:translateY(-4px);box-shadow:var(--shadow);border-color:#CBD9D7}
.card:hover::before{opacity:1}
.card h3{font-size:20px;font-weight:700;margin-bottom:.4em;font-family:var(--display);letter-spacing:-.01em}
.card p{font-size:14.8px;color:var(--muted);margin-bottom:1.1em}
.card .tlink{margin-top:auto}
.card__tag{
  position:absolute;top:0;right:0;background:var(--grad-brand);color:#fff;
  font-family:var(--sans);font-size:10px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;
  padding:6px 12px;border-bottom-left-radius:var(--r)
}
.card__ico{
  width:46px;height:46px;border-radius:13px;background:var(--grad-brand);color:#fff;
  display:grid;place-items:center;margin-bottom:16px;flex:none
}
.card__ico svg{width:23px;height:23px;stroke-width:1.8;stroke:#fff}
.card--green .card__ico{background:var(--grad-brand)}

/* service/product card with image */
.pcard{background:var(--surface);border:1px solid var(--line);border-radius:var(--r);overflow:hidden;display:flex;flex-direction:column;transition:transform .22s ease,box-shadow .25s ease}
.pcard:hover{transform:translateY(-4px);box-shadow:var(--shadow)}
.pcard__img{aspect-ratio:16/10;overflow:hidden;background:var(--navy-050)}
.pcard__img img{width:100%;height:100%;object-fit:cover;transition:transform .5s ease}
.pcard:hover .pcard__img img{transform:scale(1.05)}
.pcard__body{padding:22px 24px 24px;display:flex;flex-direction:column;flex:1}
.pcard__body h3{font-family:var(--sans);font-size:19px;font-weight:600;margin-bottom:.35em}
.pcard__body p{font-size:14.6px;color:var(--muted);margin-bottom:1.1em}
.pcard__actions{margin-top:auto;display:flex;flex-wrap:wrap;gap:10px;align-items:center}

/* Stat tiles */
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:var(--line);border:1px solid var(--line);border-radius:var(--r);overflow:hidden}
.stats div{background:var(--surface);padding:26px 20px;text-align:center}
.stats b{display:block;font-family:var(--display);font-size:clamp(28px,4vw,42px);color:var(--navy);font-weight:500;line-height:1}
.stats > div > span{font-family:var(--mono);font-size:10.5px;letter-spacing:.12em;text-transform:uppercase;color:var(--muted);display:block;margin-top:8px}
.stats b span{font:inherit;color:inherit;letter-spacing:inherit;text-transform:none;display:inline;margin:0}

/* Split media block */
.split{display:grid;grid-template-columns:1fr 1fr;gap:clamp(28px,4.5vw,64px);align-items:center}
.split--rev .split__media{order:2}
.split__media{position:relative;border-radius:var(--r-lg);overflow:hidden;box-shadow:var(--shadow)}
.split__media img{width:100%;aspect-ratio:5/6;object-fit:cover}
.split__note{
  position:absolute;right:16px;bottom:16px;background:rgba(5,8,43,.9);color:#fff;
  border-radius:var(--r-sm);padding:12px 16px;max-width:230px;backdrop-filter:blur(6px)
}
.split__note b{font-family:var(--display);font-size:26px;display:block;line-height:1;color:var(--pista)}
.split__note span{font-size:12px;color:#C4CBEC;line-height:1.35;display:block;margin-top:3px}

/* Process steps */
.steps{display:grid;grid-template-columns:repeat(4,1fr);grid-template-rows:auto auto;
  column-gap:0;row-gap:0;position:relative;margin-top:10px}
.steps::before{content:"";position:absolute;left:0;right:0;top:50%;height:2px;background:var(--line);transform:translateY(-50%)}
.steps__item{padding:26px 26px;position:relative}
/* alternate: 1st & 3rd on the top row, 2nd & 4th on the bottom row */
.steps__item:nth-child(1){grid-column:1;grid-row:1}
.steps__item:nth-child(2){grid-column:2;grid-row:2}
.steps__item:nth-child(3){grid-column:3;grid-row:1}
.steps__item:nth-child(4){grid-column:4;grid-row:2}
.steps__item::after{content:"";position:absolute;left:26px;width:12px;height:12px;border-radius:50%;
  background:var(--pista);border:3px solid var(--surface);z-index:2}
.steps__item:nth-child(1)::after,.steps__item:nth-child(3)::after{bottom:-6px}
.steps__item:nth-child(2)::after,.steps__item:nth-child(4)::after{top:-6px}
@media (max-width:860px){
  .steps{grid-template-columns:1fr;grid-template-rows:none}
  .steps::before{left:14px;right:auto;top:0;bottom:0;width:2px;height:auto;transform:none}
  .steps__item:nth-child(1),.steps__item:nth-child(2),.steps__item:nth-child(3),.steps__item:nth-child(4){grid-column:1;grid-row:auto}
  .steps__item{padding:18px 18px 18px 42px}
  .steps__item::after,.steps__item:nth-child(1)::after,.steps__item:nth-child(2)::after,
  .steps__item:nth-child(3)::after,.steps__item:nth-child(4)::after{left:9px;top:26px;bottom:auto}
}
.steps__n{font-family:var(--mono);font-size:11px;letter-spacing:.16em;color:var(--pista-700);display:block;margin-bottom:12px}
.steps__item h3{font-family:var(--sans);font-size:18px;font-weight:600;margin-bottom:.4em}
.steps__item p{font-size:14.4px;color:var(--muted)}

/* Testimonials */
.quote-card{background:var(--surface);border:1px solid var(--line);border-radius:var(--r);padding:28px;display:flex;flex-direction:column}
.stars{color:var(--pista-600);font-size:14px;letter-spacing:3px;margin-bottom:14px}
.quote-card blockquote{margin:0 0 20px;font-family:var(--display);font-size:18px;line-height:1.5;color:var(--ink);font-weight:400}
.quote-card figcaption{margin-top:auto;display:flex;align-items:center;gap:12px}
.avatar{width:42px;height:42px;border-radius:50%;background:var(--navy);color:#fff;display:grid;place-items:center;font-size:14px;font-weight:600;flex:none;font-family:var(--mono)}
.quote-card cite{font-style:normal;font-weight:600;color:var(--ink);font-size:14.5px;display:block}
.quote-card figcaption small{color:var(--muted);font-size:12.5px}

/* News tape */
.newstape{background:var(--navy-800);border-block:1px solid rgba(255,255,255,.1);display:flex;align-items:stretch;overflow:hidden}
.newstape__label{
  flex:none;display:flex;align-items:center;gap:8px;padding:12px 16px;background:var(--pista);color:var(--navy-900);
  font-family:var(--mono);font-size:11px;font-weight:500;letter-spacing:.13em;text-transform:uppercase;white-space:nowrap
}
.newstape__vp{flex:1;overflow:hidden;display:flex;align-items:center}
.newstape__track{display:inline-flex;white-space:nowrap;animation:marquee 62s linear infinite}
.newstape__vp:hover .newstape__track{animation-play-state:paused}
.newstape__track a,.newstape__track span.item{
  padding:0 26px;font-size:13.5px;color:#D3D9F4;display:inline-flex;align-items:center;gap:10px
}
.newstape__track a:hover{color:var(--pista)}
.newstape__track .t{font-family:var(--mono);font-size:10.5px;color:var(--pista);letter-spacing:.08em}

/* Video block */
.videobox{position:relative;border-radius:var(--r-lg);overflow:hidden;background:var(--navy-900);aspect-ratio:16/9;box-shadow:var(--shadow-lg)}
.videobox iframe{position:absolute;inset:0;width:100%;height:100%;border:0}
.videobox__poster{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;opacity:.5}
.videobox__play{
  position:absolute;inset:0;display:grid;place-items:center;background:none;border:0;cursor:pointer;z-index:3
}
.videobox__play i{
  width:78px;height:78px;border-radius:50%;background:var(--pista);color:var(--navy-900);
  display:grid;place-items:center;box-shadow:0 0 0 0 rgba(147,197,114,.55);animation:ring 2.4s infinite
}
.videobox__play svg{width:28px;height:28px;margin-left:4px}
@keyframes ring{0%{box-shadow:0 0 0 0 rgba(147,197,114,.5)}70%{box-shadow:0 0 0 26px rgba(147,197,114,0)}100%{box-shadow:0 0 0 0 rgba(147,197,114,0)}}

/* ---------- Page hero (inner) ---------- */
.phero{position:relative;background:var(--navy-900);color:#D6E4E1;overflow:hidden;padding:clamp(60px,7vw,100px) 0 clamp(56px,6.5vw,88px)}
.phero::before{
  content:"";position:absolute;inset:0;opacity:1;
  background-size:cover;background-position:center;filter:saturate(.95)
}
.phero::after{content:"";position:absolute;inset:0;background:linear-gradient(100deg,rgba(4,20,31,.88) 0%,rgba(4,20,31,.72) 45%,rgba(11,50,38,.62) 100%)}
.phero>*{position:relative;z-index:2}
.phero h1{color:#fff;font-size:clamp(30px,4.6vw,52px);font-weight:400;letter-spacing:-.022em;margin-bottom:.35em;max-width:20ch}
.phero p{color:#C3D6D2;max-width:62ch;font-size:clamp(15.5px,1.7vw,18px);margin-bottom:0}
.crumbs{display:flex;flex-wrap:wrap;gap:8px;align-items:center;font-family:var(--mono);font-size:11px;letter-spacing:.08em;text-transform:uppercase;color:#8992C2;margin-bottom:18px}
.crumbs a{color:#8FE3D4}
.crumbs a:hover{color:var(--pista)}
.crumbs .sepx{opacity:.5}

/* ---------- Prose (policies) ---------- */
.prose{max-width:none}
.prose h2{font-size:clamp(22px,2.6vw,30px);margin-top:2.1em;font-weight:500}
.prose h2:first-child{margin-top:0}
.prose h3{font-family:var(--sans);font-size:18px;font-weight:600;margin-top:1.7em}
.prose p,.prose li{font-size:16px;color:var(--body)}
.prose li::marker{color:var(--pista-600)}
.prose a{text-decoration:underline;text-underline-offset:2px}
.toc{background:var(--surface);border:1px solid var(--line);border-left:3px solid var(--pista);border-radius:var(--r-sm);padding:20px 24px;margin-bottom:34px}
.toc h4{font-family:var(--mono);font-size:11px;letter-spacing:.14em;text-transform:uppercase;color:var(--muted);margin-bottom:10px}
.toc ol{margin:0;padding-left:1.2em;columns:2;column-gap:26px}
.toc li{font-size:14.4px;break-inside:avoid}

/* Callouts */
.note{border-radius:var(--r-sm);padding:16px 20px;font-size:14.5px;margin:0 0 20px;border:1px solid}
.note p:last-child{margin-bottom:0}
.note--info{background:var(--navy-050);border-color:#CBD2F0;color:#2A3161}
.note--warn{background:#FFF7E8;border-color:#F3DFB4;color:#6D4E05}
.note--green{background:var(--pista-050);border-color:#CFE4BC;color:#3E5B27}
.note b{color:inherit}

/* Definition rows */
.deflist{border-top:1px solid var(--line)}
.deflist>div{display:grid;grid-template-columns:220px 1fr;gap:20px;padding:15px 0;border-bottom:1px solid var(--line)}
.deflist dt{font-weight:600;color:var(--ink);font-size:14.5px;margin:0}
.deflist dd{margin:0;font-size:15px;color:var(--body)}

/* Accordion (FAQ) */
.faq{border-top:1px solid var(--line)}
.faq__item{border-bottom:1px solid var(--line)}
.faq__q{
  width:100%;background:none;border:0;cursor:pointer;text-align:left;display:flex;
  align-items:center;justify-content:space-between;gap:18px;padding:19px 4px;
  font-size:16.5px;font-weight:600;color:var(--ink);font-family:var(--sans)
}
.faq__q:hover{color:var(--navy)}
.faq__q i{flex:none;width:24px;height:24px;border-radius:50%;background:var(--pista-100);color:var(--pista-700);display:grid;place-items:center;font-style:normal;font-size:17px;line-height:1;transition:transform .25s ease}
.faq__q[aria-expanded="true"] i{transform:rotate(45deg);background:var(--navy);color:#fff}
.faq__a{display:none;padding:0 4px 20px;max-width:80ch}
.faq__a.is-open{display:block}
.faq__a p:last-child{margin-bottom:0}

/* Link grid (investor corner) */
.linkgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.linkgrid a{
  display:flex;align-items:center;gap:12px;padding:16px 18px;background:var(--surface);
  border:1px solid var(--line);border-radius:var(--r-sm);font-size:14.6px;font-weight:500;color:var(--ink);
  transition:border-color .2s,transform .2s,box-shadow .2s
}
.linkgrid a:hover{border-color:var(--pista);transform:translateY(-2px);box-shadow:var(--shadow-sm);color:var(--navy)}
.linkgrid a svg{width:17px;height:17px;flex:none;color:var(--pista-700)}
.linkgrid a .ext{margin-left:auto;opacity:.4;font-size:12px}

/* ---------- Forms ---------- */
.field{margin-bottom:18px}
.field label,.lbl{display:block;font-size:13.5px;font-weight:600;color:var(--ink);margin-bottom:7px}
.field .req{color:var(--down)}
.field small.hint{display:block;font-size:12.5px;color:var(--muted);margin-top:5px;line-height:1.45}
input[type=text],input[type=email],input[type=tel],input[type=number],input[type=date],input[type=password],input[type=url],select,textarea{
  width:100%;padding:12px 14px;border:1.5px solid var(--line);border-radius:var(--r-sm);
  background:var(--surface);font-size:15px;color:var(--ink);transition:border-color .18s,box-shadow .18s
}
input:focus,select:focus,textarea:focus{outline:0;border-color:var(--navy-600);box-shadow:0 0 0 3px rgba(30,42,158,.12)}
input.is-bad,select.is-bad{border-color:var(--down);box-shadow:0 0 0 3px rgba(196,43,43,.1)}
textarea{min-height:130px;resize:vertical}
select{appearance:none;background-image:url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 12 8' fill='none' stroke='%236C7389' stroke-width='1.6'><path d='M1 1.5 6 6.5 11 1.5'/></svg>");background-repeat:no-repeat;background-position:right 14px center;background-size:12px;padding-right:38px}
.err{display:none;color:var(--down);font-size:12.5px;margin-top:5px;font-weight:500}
.err.is-on{display:block}
.frow{display:grid;grid-template-columns:1fr 1fr;gap:0 18px}
.frow-3{display:grid;grid-template-columns:repeat(3,1fr);gap:0 18px}
.check{display:flex;gap:11px;align-items:flex-start;font-size:14px;color:var(--body);margin-bottom:12px;cursor:pointer}
.check input{width:18px;height:18px;margin:2px 0 0;accent-color:var(--navy);flex:none}
.radio-row{display:flex;flex-wrap:wrap;gap:10px}
.radio-pill{position:relative}
.radio-pill input{position:absolute;opacity:0;width:0;height:0}
.radio-pill span{display:block;padding:9px 16px;border:1.5px solid var(--line);border-radius:999px;font-size:14px;cursor:pointer;transition:.18s;font-weight:500}
.radio-pill input:checked+span{border-color:var(--navy);background:var(--navy);color:#fff}
.radio-pill input:focus-visible+span{outline:3px solid var(--pista-600);outline-offset:2px}

/* File upload */
.drop{
  border:2px dashed #C8D0BF;border-radius:var(--r);background:var(--pista-050);
  padding:22px;text-align:center;cursor:pointer;transition:.2s;position:relative
}
.drop:hover,.drop.is-drag{border-color:var(--pista-600);background:var(--pista-100)}
.drop input[type=file]{position:absolute;inset:0;opacity:0;cursor:pointer;width:100%;height:100%}
.drop svg{width:26px;height:26px;color:var(--pista-700);margin:0 auto 8px}
.drop b{display:block;font-size:14.5px;color:var(--ink)}
.drop small{font-size:12.3px;color:var(--muted)}
.drop.has-file{border-style:solid;border-color:var(--pista-600);background:#fff}
.filechip{display:flex;align-items:center;gap:9px;margin-top:10px;font-size:13px;background:var(--surface);border:1px solid var(--line);border-radius:var(--r-sm);padding:8px 10px;text-align:left}
.filechip .nm{flex:1;overflow:hidden;text-overflow:ellipsis;white-space:nowrap;font-weight:500;color:var(--ink)}
.filechip .rm{border:0;background:none;color:var(--down);cursor:pointer;font-size:16px;line-height:1;padding:0 4px}

/* Form section */
.fsec{background:var(--surface);border:1px solid var(--line);border-radius:var(--r);padding:clamp(22px,3vw,34px);margin-bottom:22px}
.fsec__head{display:flex;align-items:center;gap:14px;margin-bottom:22px;padding-bottom:16px;border-bottom:1px solid var(--line-soft)}
.fsec__n{width:34px;height:34px;border-radius:9px;background:var(--navy);color:#fff;display:grid;place-items:center;font-family:var(--mono);font-size:14px;flex:none}
.fsec__head h3{margin:0;font-family:var(--sans);font-size:19px;font-weight:600}
.fsec__head p{margin:2px 0 0;font-size:13.4px;color:var(--muted)}

/* Progress */
.pbar{height:6px;background:var(--line);border-radius:99px;overflow:hidden;margin-bottom:6px}
.pbar i{display:block;height:100%;background:linear-gradient(90deg,var(--navy),var(--pista));width:0;transition:width .4s ease}

/* ---------- Login columns ---------- */
.logingrid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;align-items:stretch}
.lcol{
  background:var(--surface);border:1px solid var(--line);border-radius:var(--r);
  padding:26px 24px 28px;display:flex;flex-direction:column;transition:.24s;position:relative;overflow:hidden
}
.lcol::before{content:"";position:absolute;top:0;left:0;right:0;height:4px;background:var(--navy)}
.lcol--green::before{background:var(--pista)}
.lcol:hover{transform:translateY(-5px);box-shadow:var(--shadow)}
.lcol__ico{width:48px;height:48px;border-radius:12px;background:var(--navy-050);color:var(--navy);display:grid;place-items:center;margin-bottom:16px}
.lcol--green .lcol__ico{background:var(--pista-100);color:var(--pista-700)}
.lcol h3{font-family:var(--sans);font-size:18.5px;font-weight:600;margin-bottom:.3em}
.lcol>p{font-size:14.2px;color:var(--muted)}
.lcol__parts{display:grid;gap:12px;margin-top:auto;padding-top:16px}
.lpart{border:1px solid var(--line);border-radius:var(--r-sm);padding:14px}
.lpart h4{font-size:14px;font-weight:600;margin-bottom:.3em;font-family:var(--sans)}
.lpart p{font-size:12.8px;color:var(--muted);margin-bottom:.8em}
.lcol .btn{margin-top:auto}

/* ---------- Calculators ---------- */
.calc-shell{display:grid;grid-template-columns:290px 1fr;gap:0;background:var(--surface);border:1px solid var(--line);border-radius:var(--r-lg);overflow:hidden}
.calc-body{padding:30px}
.calc-tabs{display:flex;flex-direction:column;gap:2px;padding:16px;background:var(--paper);border-right:1px solid var(--line)}
.calc-tab{
  display:flex;align-items:center;gap:12px;width:100%;text-align:left;
  padding:13px 15px;border:none;background:transparent;border-radius:12px;
  font-family:var(--sans);font-size:14.5px;font-weight:600;cursor:pointer;color:var(--body);transition:.18s
}
.calc-tab:hover{background:rgba(0,169,151,.09);color:var(--navy)}
.calc-tab.is-on{background:var(--navy-900);border-color:var(--navy-900);color:#fff}
.calc-tab__n{font-family:var(--mono);font-size:11px;color:var(--muted);flex:none}
.calc-tab.is-on .calc-tab__n{color:#E7B24B}
.calc-tab__t{flex:1 1 auto}
@media (max-width:900px){
  .calc-shell{grid-template-columns:1fr}
  .calc-tabs{flex-direction:row;overflow-x:auto;border-right:none;border-bottom:1px solid var(--line)}
  .calc-tab{white-space:nowrap}
  .calc-body{padding:20px}
}
.calc-panel{display:none}
.calc-panel.is-on{display:block;animation:fade .35s ease}
@keyframes fade{from{opacity:0;transform:translateY(8px)}to{opacity:1;transform:none}}
.calc{display:grid;grid-template-columns:1.05fr .95fr;gap:0;background:var(--surface);border:1px solid var(--line);border-radius:var(--r-lg);overflow:hidden}
.calc__in{padding:clamp(22px,3vw,34px)}
.calc__out{background:var(--navy-900);color:#C4CBEC;padding:clamp(22px,3vw,34px);display:flex;flex-direction:column}
.calc h3{font-family:var(--sans);font-size:20px;font-weight:600;margin-bottom:.25em}
.calc__desc{font-size:14px;color:var(--muted);margin-bottom:22px}
.slider-field{margin-bottom:22px}
.slider-field .top{display:flex;align-items:baseline;justify-content:space-between;gap:12px;margin-bottom:9px}
.slider-field label{font-size:14px;font-weight:600;color:var(--ink)}
.slider-val{display:flex;align-items:center;gap:4px;background:var(--pista-050);border:1px solid #D6E7C6;border-radius:var(--r-sm);padding:4px 10px;font-family:var(--mono);font-size:14px;color:var(--navy);font-weight:500}
.slider-val input{width:98px;border:0;background:none;padding:0;text-align:right;font:inherit;color:inherit}
.slider-val input:focus{outline:0;box-shadow:none}
.slider-val .u{opacity:.65;font-size:12.5px}
input[type=range]{width:100%;height:5px;-webkit-appearance:none;appearance:none;background:var(--line);border-radius:99px;padding:0;border:0}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:20px;height:20px;border-radius:50%;background:var(--navy);border:3px solid #fff;box-shadow:0 1px 6px rgba(11,16,48,.3);cursor:pointer}
input[type=range]::-moz-range-thumb{width:20px;height:20px;border-radius:50%;background:var(--navy);border:3px solid #fff;box-shadow:0 1px 6px rgba(11,16,48,.3);cursor:pointer;border-color:#fff}
.slider-field .ends{display:flex;justify-content:space-between;font-family:var(--mono);font-size:10.5px;color:var(--muted);margin-top:6px}

.calc__out h4{font-family:var(--mono);font-size:10.5px;letter-spacing:.14em;text-transform:uppercase;color:var(--pista);margin-bottom:20px}
.donut{display:flex;align-items:center;gap:22px;margin-bottom:24px;flex-wrap:wrap}
.donut svg{width:150px;height:150px;flex:none}
.legend{display:grid;gap:11px;font-size:13.5px;flex:1;min-width:150px}
.legend div{display:flex;align-items:center;gap:9px}
.legend i{width:11px;height:11px;border-radius:3px;flex:none}
.legend b{margin-left:auto;font-family:var(--mono);color:#fff;font-weight:500}
.res-row{display:flex;justify-content:space-between;gap:14px;padding:12px 0;border-bottom:1px solid rgba(255,255,255,.1);font-size:14.5px}
.res-row b{font-family:var(--mono);color:#fff;font-weight:500}
.res-row.total{border-bottom:0;padding-top:16px;margin-top:6px;border-top:2px solid var(--pista)}
.res-row.total span{color:#fff;font-weight:600}
.res-row.total b{color:var(--pista);font-size:20px}
.calc__foot{margin-top:auto;padding-top:22px;font-size:11.8px;color:#8B93C0;line-height:1.5}

/* ---------- Floating actions ---------- */
.floaty{position:fixed;bottom:22px;z-index:850;display:flex;flex-direction:column;gap:12px}
.floaty--left{left:18px}
.floaty--right{right:18px}
.fab{
  width:54px;height:54px;border-radius:50%;display:grid;place-items:center;border:0;cursor:pointer;
  box-shadow:0 6px 20px rgba(11,16,48,.26);transition:transform .2s ease,box-shadow .2s ease;position:relative
}
.fab:hover{transform:scale(1.09)}
.fab svg{width:26px;height:26px}
.fab--wa{background:#25D366;color:#fff}
.fab--call{background:var(--navy);color:#fff}
.fab--top{background:var(--pista);color:var(--navy-900);opacity:0;visibility:hidden;transform:translateY(12px)}
.fab--top.is-on{opacity:1;visibility:visible;transform:none}
.fab__tip{
  position:absolute;left:calc(100% + 12px);top:50%;transform:translateY(-50%) scale(.9);
  background:var(--navy-900);color:#fff;padding:6px 11px;border-radius:var(--r-sm);font-size:12.5px;
  white-space:nowrap;opacity:0;pointer-events:none;transition:.2s
}
.fab:hover .fab__tip{opacity:1;transform:translateY(-50%) scale(1)}
.floaty--right .fab__tip{left:auto;right:calc(100% + 12px)}
.fab--wa::after{
  content:"";position:absolute;inset:-4px;border-radius:50%;border:2px solid #25D366;opacity:.55;animation:halo 2.2s infinite
}
@keyframes halo{0%{transform:scale(1);opacity:.55}70%{transform:scale(1.35);opacity:0}100%{opacity:0}}

/* ---------- Modals ---------- */
.modal{position:fixed;inset:0;z-index:1200;display:none;align-items:center;justify-content:center;padding:18px}
.modal.is-on{display:flex}
.modal__bg{position:absolute;inset:0;background:rgba(5,8,43,.72);backdrop-filter:blur(3px)}
.modal__box{
  position:relative;background:var(--surface);border-radius:var(--r-lg);max-width:620px;width:100%;
  max-height:88vh;display:flex;flex-direction:column;box-shadow:var(--shadow-lg);overflow:hidden;
  animation:pop .34s cubic-bezier(.2,.9,.3,1.2)
}
@keyframes pop{from{opacity:0;transform:translateY(24px) scale(.97)}to{opacity:1;transform:none}}
.modal__head{background:var(--navy-900);color:#fff;padding:22px 26px;display:flex;gap:14px;align-items:flex-start}
.modal__head svg{width:26px;height:26px;color:var(--pista);flex:none;margin-top:2px}
.modal__head h2{color:#fff;font-size:21px;margin:0 0 3px;font-weight:500}
.modal__head p{margin:0;font-size:13.2px;color:#A9B2D8}
.modal__body{padding:24px 26px;overflow-y:auto;font-size:14.5px;line-height:1.62}
.modal__body h4{font-size:14.5px;font-weight:600;margin:18px 0 6px;color:var(--ink);font-family:var(--sans)}
.modal__body h4:first-child{margin-top:0}
.modal__body p{margin-bottom:.85em}
.modal__body ul{padding-left:1.15em;margin-bottom:1em}
.modal__body li{font-size:14px;margin-bottom:.4em}
.modal__foot{padding:18px 26px 22px;border-top:1px solid var(--line);display:flex;gap:12px;flex-wrap:wrap;background:var(--paper)}
.modal__foot .btn{flex:1 1 200px}
.modal__x{position:absolute;top:14px;right:14px;width:34px;height:34px;border-radius:50%;border:0;background:rgba(255,255,255,.15);color:#fff;font-size:19px;line-height:1;cursor:pointer;z-index:4}
.modal__x:hover{background:rgba(255,255,255,.3)}
.modal--promo .modal__x{background:#fff;color:var(--ink);border:1px solid var(--line);
  box-shadow:0 2px 10px rgba(4,20,31,.18);width:36px;height:36px;font-size:20px;
  display:grid;place-items:center;transition:.16s}
.modal--promo .modal__x:hover{background:var(--ink);color:#fff;border-color:var(--ink);transform:rotate(90deg)}

/* Promo modal variant */
.modal--promo .modal__box{max-width:940px;display:grid;grid-template-columns:minmax(0,.86fr) minmax(0,1.14fr);
  overflow:hidden;max-height:92vh}
.promo__img{width:100%;height:100%;min-height:100%;object-fit:cover;display:block}
.promo__body{padding:clamp(22px,3vw,34px);text-align:left;overflow-y:auto}
.promo__eyebrow{display:flex;align-items:center;gap:8px;font-family:var(--mono);font-size:11.5px;letter-spacing:.1em;
  text-transform:uppercase;color:var(--pista-700);font-weight:600;margin:0 0 8px}
.promo__eyebrow::before{content:"";width:16px;height:16px;border-radius:50%;
  background:var(--grad-brand);flex:none}
.promo__body h2{font-size:clamp(23px,2.6vw,30px);margin-bottom:.6em;font-weight:600;color:var(--ink);line-height:1.2}
.promo__list{display:grid;gap:10px}
.promo__item{background:var(--pista-050);border:1px solid var(--pista-100);border-radius:12px;padding:13px 15px}
.promo__item b{display:block;color:var(--pista-700);font-size:14.6px;margin-bottom:3px}
.promo__item span{display:block;color:var(--body);font-size:13.8px;line-height:1.55}
.promo__actions{display:grid;gap:10px;margin-top:20px}
.promo__note{font-size:11.8px;color:var(--muted);line-height:1.5;margin:14px 0 0}
@media (max-width:820px){
  .modal--promo .modal__box{grid-template-columns:1fr;max-width:min(94vw,460px)}
  .promo__img{aspect-ratio:16/9;min-height:0;max-height:180px}
  .promo__body{max-height:none}
}

/* ---------- Footer ---------- */
.site-footer{background:var(--navy-900);color:#9DA6D2;font-size:14.4px}
.footer__top{padding-block:clamp(46px,5.5vw,72px) 40px;display:grid;grid-template-columns:1.5fr 1fr 1fr 1.25fr;gap:clamp(24px,3.4vw,48px)}
.site-footer h4{color:#fff;font-family:var(--mono);font-size:11px;letter-spacing:.14em;text-transform:uppercase;margin-bottom:18px;font-weight:500}
.site-footer ul{list-style:none;padding:0;margin:0}
.site-footer li{margin-bottom:9px}
.site-footer a{color:#9DA6D2}
.site-footer a:hover{color:var(--pista)}
@media (max-width:1000px){.footer__top{grid-template-columns:1fr 1fr}}
@media (max-width:620px){.footer__top{grid-template-columns:1fr}}
.footer__brand .brand--footer img{height:44px;margin:0;filter:none;opacity:1}
.footer__brand p{font-size:14.2px;color:#8E97C6;max-width:38ch}
.fcontact{display:grid;gap:12px;margin-top:18px}
.fcontact div{display:flex;gap:11px;align-items:flex-start;font-size:14px}
.fcontact svg{width:16px;height:16px;color:var(--pista);flex:none;margin-top:3px}
.fsocial{display:flex;gap:10px;margin-top:20px}
.fsocial a{width:38px;height:38px;border-radius:50%;border:1px solid rgba(255,255,255,.18);display:grid;place-items:center;transition:.2s}
.fsocial a:hover{background:var(--pista);border-color:var(--pista);color:var(--navy-900)}
.fsocial svg{width:17px;height:17px}

.arnbox{background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.12);border-radius:var(--r);padding:16px 17px;margin-top:8px}
.arnbox dl{margin:0;display:grid;gap:6px}
.arnbox .row{display:flex;justify-content:space-between;gap:10px;font-size:12px;border-bottom:1px dashed rgba(255,255,255,.12);padding-bottom:6px;align-items:baseline}
.arnbox .row:last-child{border-bottom:0;padding-bottom:0}
.arnbox dt{color:#8E97C6;margin:0;white-space:nowrap}
.arnbox dd{margin:0;color:#fff;font-family:var(--mono);font-size:11.2px;text-align:right;white-space:nowrap}
.arnbox__cap{font-family:var(--mono);font-size:9px;letter-spacing:.13em;text-transform:uppercase;
  color:var(--pista);margin:0 0 9px;font-weight:500}
.arnbox dl + .arnbox__cap{margin-top:13px;padding-top:12px;border-top:1px solid rgba(255,255,255,.13)}

.footer__disc{border-top:1px solid rgba(255,255,255,.12);padding-block:28px;font-size:12.6px;line-height:1.62;color:#8E97C6}
.footer__disc p{text-align:justify;text-justify:inter-word;hyphens:auto}
/* Registration band — sits full width above the statutory disclaimer */
.footer__regs{display:grid;grid-template-columns:1fr 1fr;gap:clamp(20px,3vw,44px);
  margin-block:30px 4px;padding:22px clamp(18px,2.4vw,30px);border-radius:16px;
  background:rgba(255,255,255,.04);border:1px solid rgba(255,255,255,.09)}
.freg + .freg{border-left:1px solid rgba(255,255,255,.1);padding-left:clamp(20px,3vw,44px)}
.freg__cap{font-family:var(--mono);font-size:9.4px;letter-spacing:.15em;text-transform:uppercase;
  color:var(--pista);margin:0 0 14px;font-weight:500}
.freg dl{margin:0;display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:14px clamp(12px,1.6vw,22px)}
.freg dl > div{min-width:0}
.freg dt{margin:0 0 4px;color:#8E97C6;font-size:10.6px;letter-spacing:.06em;text-transform:uppercase;
  font-family:var(--mono);white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
.freg dd{margin:0;color:#fff;font-family:var(--mono);font-size:12.4px;line-height:1.35;word-break:break-word}
@media (max-width:1080px){
  .freg dl{grid-template-columns:repeat(2,minmax(0,1fr))}
}
@media (max-width:760px){
  .footer__regs{grid-template-columns:1fr;gap:0;padding:18px}
  .freg + .freg{border-left:0;border-top:1px solid rgba(255,255,255,.1);
    padding-left:0;padding-top:20px;margin-top:20px}
}

.footer__inline{display:flex;flex-wrap:wrap;align-items:center;justify-content:center;gap:6px;
  margin-block:30px 4px;padding:8px;border-radius:999px;
  background:rgba(255,255,255,.04);border:1px solid rgba(255,255,255,.09)}
.footer__inline a{position:relative;padding:8px 20px;border-radius:999px;font-size:13.4px;font-weight:600;
  letter-spacing:.005em;color:#C3CAEC;transition:background .18s ease,color .18s ease}
.footer__inline a:hover{background:rgba(255,255,255,.09);color:#fff}
.footer__inline a:not(:last-child)::after{content:"";position:absolute;right:-3px;top:50%;transform:translateY(-50%);
  width:1px;height:14px;background:rgba(255,255,255,.14)}
.footer__inline a:hover::after{opacity:0}
@media (max-width:560px){.footer__inline{border-radius:16px;gap:2px;padding:6px}
  .footer__inline a{font-size:12.8px;padding:7px 12px}
  .footer__inline a::after{display:none}
  .footer__disc p{text-align:left;hyphens:none}}
.footer__disc h5{color:var(--pista);font-family:var(--mono);font-size:10.5px;letter-spacing:.14em;text-transform:uppercase;margin:0 0 10px;font-weight:500}
.footer__disc p{margin-bottom:.8em}
.footer__disc p:last-child{margin-bottom:0}
.footer__disc strong{color:#C3CAEC}
.footer__bot{border-top:1px solid rgba(255,255,255,.12);padding-block:18px 24px;display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;font-size:12.8px}
.footer__bot nav{display:flex;gap:18px;flex-wrap:wrap}

/* Riskometer strip */
/* Registration credential band — AMFI / APMI */
.regband{background:var(--surface);border:1px solid var(--line);border-radius:var(--r-lg);overflow:hidden;
  box-shadow:0 1px 2px rgba(4,20,31,.04)}
.regband + .regband{margin-top:20px}
.regband__head{background:var(--grad-brand);color:#fff;padding:15px clamp(20px,3vw,30px);
  display:flex;flex-wrap:wrap;align-items:baseline;gap:5px 14px}
.regband__head h3{margin:0;color:#fff;font-family:var(--sans);font-size:17px;font-weight:600;letter-spacing:-.005em}
.regband__head span{font-family:var(--mono);font-size:10.5px;letter-spacing:.13em;text-transform:uppercase;color:rgba(255,255,255,.85)}
.regband__grid{display:grid;grid-template-columns:repeat(4,1fr);border-bottom:1px solid var(--line-soft)}
.regband__cell{padding:17px clamp(15px,2.1vw,24px);border-right:1px solid var(--line-soft);min-width:0}
.regband__cell:last-child{border-right:0}
.regband__cell b{display:block;font-family:var(--mono);font-size:9.8px;letter-spacing:.13em;text-transform:uppercase;
  color:var(--muted);font-weight:500;margin-bottom:5px}
.regband__cell span{display:block;font-family:var(--display);font-size:clamp(15px,1.65vw,20px);font-weight:700;
  color:var(--navy);line-height:1.2;word-break:break-word}
.regband__note{padding:clamp(17px,2.3vw,24px) clamp(20px,3vw,30px);font-size:13.3px;line-height:1.68;color:var(--muted)}
.regband__note p{margin:0 0 .85em}
.regband__note p:last-child{margin:0}
.regband__note strong{color:var(--ink);font-weight:600}
@media (max-width:860px){
  .regband__grid{grid-template-columns:repeat(2,1fr)}
  .regband__cell:nth-child(2n){border-right:0}
  .regband__cell:nth-child(-n+2){border-bottom:1px solid var(--line-soft)}
}
@media (max-width:440px){
  .regband__grid{grid-template-columns:1fr}
  .regband__cell{border-right:0;border-bottom:1px solid var(--line-soft)}
  .regband__cell:last-child{border-bottom:0}
}

.footer__bot .credit{display:inline-block}
.footer__bot .credit a{color:#9DA6D2;text-decoration:none}
.footer__bot .credit a:hover{color:var(--pista)}

/* Home page video — Admin ▸ Video */
.vidwrap{max-width:980px;margin-inline:auto}
.vidbox{position:relative;aspect-ratio:16/9;border-radius:var(--r-lg);overflow:hidden;
  background:#02101A;box-shadow:var(--shadow-lg);border:1px solid rgba(255,255,255,.1)}
.vidbox__media,.vidbox iframe{position:absolute;inset:0;width:100%;height:100%;border:0;display:block;object-fit:cover}
.vidbox__facade{position:absolute;inset:0;width:100%;height:100%;padding:0;border:0;cursor:pointer;
  background:#02101A;display:block;overflow:hidden}
.vidbox__facade img{width:100%;height:100%;object-fit:cover;transition:transform .5s ease,opacity .3s ease;opacity:.82}
.vidbox__facade:hover img{transform:scale(1.03);opacity:.95}
.vidbox__play{position:absolute;inset:0;margin:auto;width:76px;height:76px;border-radius:50%;
  display:grid;place-items:center;color:#fff;background:var(--grad-brand);
  box-shadow:0 10px 34px rgba(0,0,0,.42);transition:transform .25s ease}
.vidbox__play svg{margin-left:4px}
.vidbox__facade:hover .vidbox__play{transform:scale(1.08)}
.vidbox__facade:focus-visible{outline:3px solid var(--pista);outline-offset:3px}
@media (max-width:640px){ .vidbox__play{width:60px;height:60px} .vidbox__play svg{width:24px;height:24px} }

/* KYC page — form beside its checklist, stacking on narrow screens.
   This was an inline style, which no media query could override, so the
   330px sidebar stayed beside the form at phone width and pushed the page
   wider than the screen. */
.kyc-layout{grid-template-columns:minmax(0,1fr) 330px;gap:34px;align-items:start}
@media (max-width:980px){
  .kyc-layout{grid-template-columns:minmax(0,1fr);gap:26px}
  #kyc-side{position:static}
}

/* Calculators — assumptions and the year-by-year working */
.calc__disc{margin-top:16px;border-top:1px solid rgba(255,255,255,.12);padding-top:14px}
.calc__disc summary{cursor:pointer;font-family:var(--mono);font-size:10.5px;letter-spacing:.12em;
  text-transform:uppercase;color:var(--pista);list-style:none;display:flex;align-items:center;gap:8px;
  padding:4px 0;font-weight:500}
.calc__disc summary::-webkit-details-marker{display:none}
.calc__disc summary::before{content:"+";font-size:14px;line-height:1;width:15px;height:15px;flex:none;
  display:grid;place-items:center;border:1px solid currentColor;border-radius:4px}
.calc__disc[open] summary::before{content:"\2212"}
.calc__disc summary:hover{color:#fff}
.calc__assum{margin:12px 0 0;padding-left:18px;font-size:12.8px;line-height:1.68;color:#A9B2D8}
.calc__assum li{margin-bottom:8px}
.calc__assum li:last-child{margin-bottom:0}
.calc__assum b{color:#D8DEF6}
.calc__schedwrap{margin-top:12px;max-height:340px;overflow:auto;border:1px solid rgba(255,255,255,.12);
  border-radius:10px;-webkit-overflow-scrolling:touch}
.calc__schedwrap table{width:100%;border-collapse:collapse;min-width:460px;background:transparent}
.calc__schedwrap th{position:sticky;top:0;background:#0A1F2E;color:#8E97C6;font-family:var(--mono);
  font-size:9.6px;letter-spacing:.1em;text-transform:uppercase;font-weight:500;
  padding:9px 11px;text-align:left;border-bottom:1px solid rgba(255,255,255,.14);white-space:nowrap}
.calc__schedwrap td{padding:8px 11px;font-size:12.4px;color:#C3CAEC;
  border-bottom:1px solid rgba(255,255,255,.07);white-space:nowrap}
.calc__schedwrap td.num,.calc__schedwrap th.num{text-align:right;font-family:var(--mono);font-size:11.8px}
.calc__schedwrap tr:last-child td{border-bottom:0}
.calc__schedwrap tbody tr:hover,
.calc__schedwrap tbody tr:hover td{background:rgba(255,255,255,.055);color:#fff}
.calc__schednote{margin:10px 0 0;font-size:12.2px;color:#8E97C6;line-height:1.6}

.riskstrip{background:#FFF7E8;border-top:3px solid var(--warn);padding:14px 0;font-size:13.2px;color:#6D4E05;text-align:center}
.riskstrip b{color:#5A4104}

/* ---------- Contact ---------- */
.contact-grid{display:grid;grid-template-columns:1fr 1.15fr;gap:clamp(26px,4vw,54px);align-items:start}
.infocard{background:var(--surface);border:1px solid var(--line);border-radius:var(--r);padding:26px;margin-bottom:18px}
.infocard h3{font-family:var(--sans);font-size:17px;font-weight:600;margin-bottom:16px}
.infoline{display:flex;gap:14px;align-items:flex-start;padding:13px 0;border-bottom:1px solid var(--line-soft)}
.infoline:last-child{border-bottom:0;padding-bottom:0}
.infoline svg{width:19px;height:19px;color:var(--pista-700);flex:none;margin-top:3px}
.infoline b{display:block;font-size:12px;font-family:var(--mono);letter-spacing:.1em;text-transform:uppercase;color:var(--muted);font-weight:500;margin-bottom:2px}
.infoline span,.infoline a{font-size:15px;color:var(--ink);font-weight:500}
.mapbox{border-radius:var(--r);overflow:hidden;border:1px solid var(--line);aspect-ratio:16/9}
.mapbox iframe{width:100%;height:100%;border:0;display:block}

/* CTA band */
.ctaband{background:var(--navy-900);position:relative;overflow:hidden;text-align:center;padding:clamp(52px,6vw,86px) 0}
.ctaband::before{content:"";position:absolute;inset:0;background:radial-gradient(700px 340px at 50% 0%,rgba(147,197,114,.2),transparent 65%)}
.ctaband>*{position:relative}
.ctaband h2{color:#fff;font-size:clamp(27px,4vw,44px);font-weight:400;margin-bottom:.4em}
.ctaband h2 em{color:var(--pista);font-style:italic}
.ctaband p{color:#A9B2D8;max-width:60ch;margin:0 auto 30px;font-size:17px}

/* Tables */
.tablewrap{overflow-x:auto;border:1px solid var(--line);border-radius:var(--r);background:var(--surface);-webkit-overflow-scrolling:touch}
table{width:100%;border-collapse:collapse;min-width:520px}
th,td{padding:13px 16px;text-align:left;border-bottom:1px solid var(--line);font-size:14.4px}
th{background:var(--navy-050);font-weight:600;color:var(--ink);font-size:12.5px;letter-spacing:.05em;text-transform:uppercase;font-family:var(--mono)}
tbody tr:last-child td{border-bottom:0}
tbody tr:hover{background:var(--pista-050)}

/* Print */
@media print{
  .tapebar,.infobar,.site-header,.floaty,.modal,.newstape,.ctaband{display:none!important}
  body{background:#fff}
}

/* ==========================================================================
   Responsive — tablet
   ========================================================================== */
@media (max-width:1080px){
  .footer__top{grid-template-columns:1fr 1fr;gap:34px}
  .logingrid{grid-template-columns:repeat(2,1fr)}
  .grid-4{grid-template-columns:repeat(2,1fr)}
  .steps{grid-template-columns:repeat(2,1fr)}
  .steps__item{border-bottom:1px solid var(--line)}
  .steps__item:nth-child(2n){border-right:0}
}

@media (max-width:980px){
  :root{--nav-h:66px}
  .menu,.nav__cta .btn{display:none}
  .burger{display:flex}
  .hero__grid{grid-template-columns:1fr;padding-block-start:38px}
  .hero__media{aspect-ratio:16/11;order:-1}
  .hero__badge{left:14px;bottom:14px}
  .split{grid-template-columns:1fr}
  .split--rev .split__media{order:-1}
  .grid-3{grid-template-columns:repeat(2,1fr)}
  .stats{grid-template-columns:repeat(2,1fr)}
  .calc{grid-template-columns:1fr}
  .linkgrid{grid-template-columns:repeat(2,1fr)}
  .contact-grid{grid-template-columns:1fr}
  .infobar__right .hide-md{display:none}
}

@media (max-width:760px){
  body{font-size:16px}
  .grid-2,.grid-3,.grid-4{grid-template-columns:1fr}
  .steps{grid-template-columns:1fr}
  .steps__item{border-right:0}
  .logingrid{grid-template-columns:1fr}
  .linkgrid{grid-template-columns:1fr}
  .footer__top{grid-template-columns:1fr}
  .frow,.frow-3{grid-template-columns:1fr}
  .toc ol{columns:1}
  .deflist>div{grid-template-columns:1fr;gap:4px}
  .brand img{height:42px}
  .tape-note{display:none}
  .infobar__inner{justify-content:center;min-height:auto;padding-block:8px}
  .infobar__left{width:100%;justify-content:center}
  .infobar__right{width:100%;justify-content:center}
  .hero__stats{gap:22px}
  .modal__foot .btn{flex:1 1 100%}
  .floaty{bottom:16px}
  .floaty--left{left:12px}
  .floaty--right{right:12px}
  .fab{width:50px;height:50px}
  .fab svg{width:23px;height:23px}
  .newstape__label{padding:11px 12px;font-size:10px}
  .split__note{right:10px;bottom:10px;padding:10px 13px}
  .footer__bot{flex-direction:column;gap:10px}
}

@media (max-width:420px){
  .hero__stats div{min-width:80px}
  .btn{width:100%}
  .btn-row{flex-direction:column;align-items:stretch}
  .btn-row .btn{width:100%}
  .pcard__actions .btn{width:100%}
}

/* Motion preferences */
@media (prefers-reduced-motion:reduce){
  *,*::before,*::after{animation-duration:.001ms!important;animation-iteration-count:1!important;transition-duration:.001ms!important;scroll-behavior:auto!important}
  .tape__track,.credstrip__track,.newstape__track{animation:none}
  .tape,.newstape__vp{overflow-x:auto}
}

/* ==========================================================================
   Live markets — homepage snapshot (index cards + chart + headlines)
   ========================================================================== */
.livedot{
  width:8px;height:8px;border-radius:50%;background:var(--pista-600);
  display:inline-block;margin-right:2px;animation:pulse 1.9s infinite;flex:none
}
.eyebrow .livedot{margin-right:0}

.mkt-grid{
  display:grid;
  grid-template-columns:1fr 1.15fr;
  grid-template-areas:"cards news" "chart news";
  gap:18px;align-items:start
}
.mkt-cards{grid-area:cards;display:grid;grid-template-columns:1fr 1fr;gap:14px}
.mkt-chart{
  grid-area:chart;background:var(--surface);border:1px solid var(--line);
  border-radius:var(--r);overflow:hidden;min-height:260px;padding:8px
}
.mkt-chart__err{padding:26px;color:var(--muted);font-size:14px;text-align:center}
.mkt-news{
  grid-area:news;background:var(--surface);border:1px solid var(--line);
  border-radius:var(--r);padding:22px 24px;height:100%
}

.mkt-card{
  background:var(--surface);border:1px solid var(--line);border-left:4px solid var(--line);
  border-radius:var(--r);padding:16px 18px;transition:border-color .25s ease
}
.mkt-card__nm{
  display:block;font-family:var(--mono);font-size:10.5px;letter-spacing:.11em;
  text-transform:uppercase;color:var(--muted);margin-bottom:7px
}
.mkt-card b{
  display:block;font-family:var(--display);font-size:clamp(21px,2.6vw,27px);
  font-weight:500;color:var(--ink);line-height:1.1
}
.mkt-card__chg{display:block;font-family:var(--mono);font-size:12.5px;margin-top:5px;color:var(--muted)}
.mkt-card.up{border-left-color:var(--up)}
.mkt-card.up .mkt-card__chg{color:var(--up)}
.mkt-card.down{border-left-color:var(--down)}
.mkt-card.down .mkt-card__chg{color:var(--down)}
.mkt-card.is-loading b{color:var(--line);animation:shimmer 1.4s ease-in-out infinite}
@keyframes shimmer{0%,100%{opacity:.45}50%{opacity:.85}}

.mkt-news h3{font-family:var(--sans);font-size:16px;font-weight:600;margin-bottom:14px}
.mkt-news ul{list-style:none;padding:0;margin:0 0 16px}
.mkt-news li{
  padding:11px 0;border-bottom:1px solid var(--line-soft);font-size:14.2px;line-height:1.5
}
.mkt-news li:last-child{border-bottom:0}
.mkt-news li .t{
  display:block;font-family:var(--mono);font-size:10.5px;letter-spacing:.07em;
  color:var(--pista-700);margin-bottom:3px
}
.mkt-news li a{color:var(--ink)}
.mkt-news li a:hover{color:var(--navy)}
.mkt-news li.is-loading{color:var(--muted);font-style:italic}
.mkt-news__src{font-size:11.8px;color:var(--muted);margin:0;line-height:1.5}
.mkt-note{
  font-size:12.3px;color:var(--muted);margin:22px 0 0;max-width:90ch;line-height:1.55
}

/* Ticker: the loading pill before quotes arrive */
.quote.is-loading{color:#8B93C0}
.quote .chg.flat{color:#9AA2CC}

/* Skip link */
.skip{
  position:absolute;left:-9999px;top:0;z-index:2000;background:var(--navy);color:#fff;
  padding:12px 18px;border-radius:0 0 var(--r-sm) 0;font-size:14px;font-weight:600
}
.skip:focus{left:0;color:#fff}

@media (max-width:1080px){
  .mkt-grid{grid-template-columns:1fr;grid-template-areas:"cards" "chart" "news"}
  .mkt-news{height:auto}
}
@media (max-width:520px){
  .mkt-cards{grid-template-columns:1fr}
}

/* ==========================================================================
   Mobile: keep the bar, but show only the phone number (centred, smaller)
   ========================================================================== */
@media (max-width:760px){
  .infobar{display:block}
  .infobar__inner{justify-content:center}
  .infobar__left{display:none}
  .infobar__right{font-size:12.5px;gap:10px;flex-wrap:nowrap;justify-content:center}
  .infobar__right a{white-space:nowrap}
}
@media (max-width:380px){ .infobar__right{font-size:11.5px;gap:7px} }
.drawer__cta{padding:12px 0 4px}
.drawer__cta .btn{width:100%}

/* ---------- Full-width contact map ---------- */
.mapfull{display:block;width:100%;line-height:0}
.mapfull iframe{width:100%;height:460px;border:0;display:block;filter:saturate(.9)}
@media (max-width:760px){.mapfull iframe{height:320px}}

/* ---------- Testimonial carousel (3 up, slides) ---------- */
.tcar{position:relative}
.tcar__vp{overflow:hidden}
.tcar__track{display:flex;gap:14px;transition:transform .45s cubic-bezier(.4,0,.2,1);will-change:transform}
.tcar .quote-card{flex:0 0 calc((100% - 28px)/3);width:calc((100% - 28px)/3);min-width:0;box-sizing:border-box;margin:0}
.tcar__ctrl{display:flex;align-items:center;justify-content:center;gap:14px;margin-top:26px}
.tcar__btn{width:40px;height:40px;border-radius:50%;border:1.5px solid var(--line);background:var(--surface);
  color:var(--navy);font-size:16px;cursor:pointer;transition:.18s;flex:none}
.tcar__btn:hover{border-color:var(--pista);background:var(--pista-050)}
.tcar__btn[disabled]{opacity:.35;cursor:default}
.tcar__dots{display:flex;gap:7px}
.tcar__dot{width:8px;height:8px;border-radius:50%;border:0;padding:0;background:var(--line);cursor:pointer}
.tcar__dot.is-on{background:var(--pista);width:22px;border-radius:99px}
@media (max-width:900px){.tcar .quote-card{flex-basis:calc((100% - 14px)/2);width:calc((100% - 14px)/2)}}
@media (max-width:620px){.tcar .quote-card{flex-basis:100%;width:100%}}

/* Login page: three real portals only */
.logingrid--3{grid-template-columns:repeat(3,1fr)}
.logingrid--3 .lstack{display:grid;gap:8px;margin-top:16px}
@media (max-width:900px){.logingrid--3{grid-template-columns:1fr}}

/* Login page: secondary quick-links row */
.lquick{margin-top:26px;padding:22px 24px;background:var(--paper);border:1px solid var(--line);border-radius:var(--r)}
.lquick h4{font-family:var(--mono);font-size:11px;letter-spacing:.14em;text-transform:uppercase;color:var(--muted);margin-bottom:14px}
.lquick__row{display:flex;flex-wrap:wrap;gap:10px}

/* ---------- About page ---------- */
.credrow{display:flex;flex-wrap:wrap;gap:8px}
.credpill{display:inline-flex;align-items:center;padding:7px 13px;border-radius:999px;font-size:13px;font-weight:600;
  color:var(--navy);background:var(--navy-050);border:1px solid rgba(0,112,184,.18)}
.credpill sup{font-size:.6em;margin-left:1px}
.credpill--muted{color:var(--muted);background:var(--paper);border-color:var(--line);font-weight:500}

.stats{background:transparent;border:0;gap:14px}
.stats > div{background:var(--surface);border:1px solid var(--line);border-radius:var(--r);box-shadow:var(--shadow-sm)}
.stats__note{font-size:12.5px;color:var(--muted);text-align:center;max-width:70ch;margin:18px auto 0}

.goal-list{list-style:none;margin:22px 0 0;padding:0;display:grid;gap:10px}
.goal-list li{display:flex;gap:14px;align-items:flex-start;padding:12px 14px;border:1px solid var(--line);border-radius:12px;background:var(--surface)}
.goal-list__n{font-family:var(--mono);font-size:11px;font-weight:600;color:var(--pista-700);background:var(--pista-050);
  border:1px solid var(--pista-100);border-radius:8px;padding:5px 8px;flex:none;margin-top:1px}
.goal-list b{display:block;font-size:15px;color:var(--ink);margin-bottom:2px}
.goal-list span{font-size:13.5px;color:var(--muted)}
.callout{margin-top:22px;padding:16px 18px;border-left:3px solid var(--pista);background:var(--pista-050);border-radius:0 12px 12px 0;
  font-size:15px;line-height:1.6;color:var(--body)}
.callout b{color:var(--ink)}

.philo-sec{position:relative;overflow:hidden}
.philo-sec::after{content:"";position:absolute;inset:0;pointer-events:none;
  background:radial-gradient(700px 360px at 12% 0%,rgba(0,169,151,.18),transparent 60%),
             radial-gradient(600px 400px at 95% 100%,rgba(0,112,184,.28),transparent 60%)}
.philo-grid{position:relative;z-index:1;display:grid;grid-template-columns:1.05fr .95fr;gap:clamp(30px,5vw,72px);align-items:center}
.philo-quote{position:relative}
.philo-mark{position:absolute;left:-10px;top:14px;font-family:var(--display);font-size:150px;line-height:1;color:rgba(255,255,255,.07);pointer-events:none}
.philo-quote h2{color:#fff;font-size:clamp(28px,3.6vw,44px);font-weight:600;position:relative;margin-bottom:.5em}
.philo-quote h2 em{font-style:normal;background:linear-gradient(115deg,#5FE0CE,#7EC4F0,#7EE7A8);-webkit-background-clip:text;background-clip:text;color:transparent}
.philo-lede{font-size:clamp(16px,1.8vw,19px);color:#B9CFCA;max-width:46ch;margin:0}
.philo-cards{display:grid;gap:14px}
.pcard-dark{padding:20px 22px;border-radius:var(--r);background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.10);
  backdrop-filter:blur(4px);display:grid;grid-template-columns:auto 1fr;gap:4px 16px;align-items:start}
.pcard-dark__n{grid-row:1/3;font-family:var(--mono);font-size:12px;color:#7EE7A8;padding-top:3px}
.pcard-dark b{color:#fff;font-size:16px}
.pcard-dark p{margin:0;font-size:14px;color:#AFC4BF;line-height:1.55}
.addr-grid .card p{margin-bottom:.6em}
.grid-2{grid-template-columns:repeat(2,1fr)}
@media (max-width:900px){.philo-grid{grid-template-columns:1fr}.philo-mark{display:none}}
@media (max-width:760px){.grid-2{grid-template-columns:1fr}}

/* Login cards: equal height across the row */
.logingrid--3 .lcol{display:flex}
.logingrid--3 .lcard{display:flex;flex-direction:column;width:100%;flex:1 1 auto}
.logingrid--3 .lcard > .btn:last-child,.logingrid--3 .lcard > .lstack:last-child{margin-top:auto;padding-top:18px}
.lquick h4{text-transform:none;letter-spacing:.01em;font-family:var(--sans);font-size:14.5px;color:var(--ink);font-weight:700}