:root {
  --bg: #f9f9fb;
  --bg-alt: #f4f8fc;
  --surface: #ffffff;
  --surface-tint: #eaf3fb;
  --border: #e3e9f0;
  --text: #00112d;
  --muted: #4b5563;
  --muted-2: #8a97ac;
  --blue: #177dbd;
  --blue-deep: #0f5e90;
  --sky-light: #7fd1ff;
  --green: #059669;
  --navy: #00112d;
  --grad: linear-gradient(135deg, #177dbd 0%, #0f5e90 100%);
  --radius: 18px;
  --radius-sm: 12px;
  --shadow-card: 0 1px 3px rgba(0, 17, 45, 0.06), 0 10px 30px rgba(0, 17, 45, 0.06);
  --font-body: "Manrope", system-ui, -apple-system, sans-serif;
  --font-display: "Sora", var(--font-body);
}

* { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  font-family: var(--font-body);
  background: var(--bg);
  color: var(--text);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; }

.container { width: min(1120px, 92%); margin: 0 auto; }
.container-narrow { width: min(760px, 92%); }

h1, h2, h3 { font-family: var(--font-display); line-height: 1.15; letter-spacing: -0.01em; color: var(--text); }
h1 { font-size: clamp(2.1rem, 5vw, 3.4rem); font-weight: 700; }
h2 { font-size: clamp(1.6rem, 3.4vw, 2.3rem); font-weight: 700; }
h3 { font-size: 1.08rem; font-weight: 600; }
p { color: var(--muted); }
strong { color: var(--text); }
.grad {
  background: var(--grad);
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
}

/* ---------- buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center;
  gap: 8px; padding: 14px 26px; border-radius: 999px;
  font-weight: 600; font-size: 0.95rem; text-decoration: none;
  border: 1px solid transparent; cursor: pointer; font-family: var(--font-body);
  transition: transform 0.15s ease, box-shadow 0.15s ease, background 0.15s ease;
}
.btn-primary {
  background: var(--grad); color: #fff;
  box-shadow: 0 8px 22px rgba(23, 125, 189, 0.32);
}
.btn-primary:hover { transform: translateY(-1px); box-shadow: 0 12px 28px rgba(23, 125, 189, 0.42); }
.btn-ghost { background: var(--surface); border-color: var(--border); color: var(--text); }
.btn-ghost:hover { background: var(--surface-tint); border-color: var(--blue); }
.btn-sm { padding: 10px 20px; font-size: 0.88rem; }
.btn-block { width: 100%; }
.btn[disabled] { opacity: 0.6; cursor: wait; transform: none; }

/* ---------- nav ---------- */
.nav {
  position: sticky; top: 0; z-index: 50;
  background: rgba(255, 255, 255, 0.85);
  backdrop-filter: blur(14px);
  border-bottom: 1px solid var(--border);
}
.nav-inner { display: flex; align-items: center; gap: 32px; padding: 12px 0; }
.brand { display: inline-flex; align-items: center; gap: 10px; text-decoration: none; color: var(--text); }
.brand-logo { height: 40px; width: auto; display: block; }
.brand-tag {
  font-family: var(--font-display); font-weight: 700; font-size: 0.72rem;
  letter-spacing: 0.08em; text-transform: uppercase;
  color: var(--blue-deep); background: var(--surface-tint);
  border: 1px solid rgba(23, 125, 189, 0.25);
  padding: 4px 10px; border-radius: 999px;
}
.nav-links { display: flex; gap: 26px; margin-left: auto; }
.nav-links a { color: var(--muted); text-decoration: none; font-size: 0.92rem; font-weight: 500; }
.nav-links a:hover { color: var(--blue-deep); }
@media (max-width: 720px) { .nav-links { display: none; } .nav-inner { justify-content: space-between; } }

/* ---------- hero ---------- */
.hero {
  position: relative; overflow: hidden;
  padding: 90px 0 100px;
  background: linear-gradient(180deg, #ffffff 0%, var(--bg) 100%);
}
.hero::before {
  content: ""; position: absolute; inset: -40% -20% auto;
  height: 720px;
  background:
    radial-gradient(600px 380px at 18% 30%, rgba(127, 209, 255, 0.25), transparent 65%),
    radial-gradient(700px 420px at 85% 15%, rgba(23, 125, 189, 0.14), transparent 65%);
  pointer-events: none;
}
.hero-grid {
  position: relative; display: grid; grid-template-columns: 1.05fr 0.95fr;
  gap: 56px; align-items: center;
}
@media (max-width: 920px) { .hero-grid { grid-template-columns: 1fr; } .hero { padding: 56px 0 70px; } }

.pill {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 7px 14px; border-radius: 999px; font-size: 0.8rem; font-weight: 600;
  color: var(--blue-deep); background: var(--surface-tint);
  border: 1px solid rgba(23, 125, 189, 0.25); margin-bottom: 22px;
}
.pill-dot { width: 7px; height: 7px; border-radius: 50%; background: var(--green); box-shadow: 0 0 6px rgba(5, 150, 105, 0.6); }
.lede { font-size: 1.12rem; margin: 20px 0 30px; max-width: 34rem; }
.hero-cta { display: flex; gap: 14px; flex-wrap: wrap; }
.trust-row { display: flex; gap: 22px; flex-wrap: wrap; list-style: none; margin-top: 34px; }
.trust-row li { color: var(--muted); font-size: 0.88rem; display: flex; align-items: center; gap: 8px; }
.trust-row li::before { content: "✓"; color: var(--green); font-weight: 700; }

/* wallet mock — stays dark navy as a contrast card on the light page */
.hero-visual { position: relative; display: grid; gap: 18px; justify-items: end; }
.wallet-card {
  width: min(400px, 100%);
  background: linear-gradient(150deg, #0a2540 0%, #00112d 65%, #0d2c4d 100%);
  border: 1px solid rgba(255, 255, 255, 0.08); border-radius: 22px; padding: 26px;
  box-shadow: 0 30px 60px rgba(0, 17, 45, 0.35), inset 0 1px 0 rgba(255, 255, 255, 0.06);
  position: relative; overflow: hidden; color: #fff;
}
.wallet-card::after {
  content: ""; position: absolute; top: -60px; right: -60px; width: 200px; height: 200px;
  background: radial-gradient(circle, rgba(127, 209, 255, 0.28), transparent 70%);
}
.wallet-top { display: flex; justify-content: space-between; align-items: center; margin-bottom: 18px; }
.wallet-label { color: #9fb3cc; font-size: 0.82rem; font-weight: 500; letter-spacing: 0.02em; }
.wallet-chip {
  font-size: 0.7rem; font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase;
  padding: 5px 10px; border-radius: 999px; color: #00112d; background: var(--sky-light);
}
.wallet-balance { font-family: var(--font-display); font-size: 2.3rem; font-weight: 700; color: #fff; }
.wallet-decimals { font-size: 1.2rem; color: #9fb3cc; }
.wallet-delta { color: #34d399; font-size: 0.85rem; font-weight: 600; margin-top: 4px; }
.wallet-bars { display: flex; align-items: flex-end; gap: 8px; height: 64px; margin-top: 22px; }
.wallet-bars i {
  flex: 1; height: var(--h); border-radius: 6px 6px 2px 2px;
  background: linear-gradient(180deg, rgba(127, 209, 255, 0.95), rgba(23, 125, 189, 0.45));
}
.txn-card {
  width: min(360px, 92%); margin-right: 28px;
  background: var(--surface);
  border: 1px solid var(--border); border-radius: var(--radius); padding: 10px 16px;
  box-shadow: var(--shadow-card);
  margin-top: -34px; position: relative;
}
.txn { display: flex; align-items: center; gap: 12px; padding: 11px 0; border-bottom: 1px solid var(--bg-alt); }
.txn:last-child { border-bottom: 0; }
.txn-icon {
  width: 32px; height: 32px; border-radius: 10px; flex: none;
  display: grid; place-items: center; font-weight: 700;
  color: var(--green); background: rgba(5, 150, 105, 0.1);
}
.txn div { flex: 1; min-width: 0; }
.txn strong { display: block; font-size: 0.85rem; font-weight: 600; }
.txn small { color: var(--muted-2); font-size: 0.74rem; }
.txn b.pos { color: var(--green); font-size: 0.88rem; }
@media (max-width: 920px) {
  .hero-visual { justify-items: center; }
  .txn-card { margin-right: 0; }
}

/* ---------- sections ---------- */
.section { padding: 90px 0; }
.section-alt { background: #ffffff; border-block: 1px solid var(--border); }
.section-head { max-width: 620px; margin: 0 auto 52px; text-align: center; }
.section-head p { margin-top: 12px; }
.eyebrow {
  display: inline-block; font-size: 0.76rem; font-weight: 700; letter-spacing: 0.14em;
  text-transform: uppercase; color: var(--blue); margin-bottom: 12px;
}

/* steps */
.steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; }
@media (max-width: 980px) { .steps { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 560px) { .steps { grid-template-columns: 1fr; } }
.step {
  background: var(--surface); border: 1px solid var(--border);
  border-radius: var(--radius); padding: 26px 22px;
  box-shadow: var(--shadow-card);
  transition: transform 0.2s ease, border-color 0.2s ease;
}
.step:hover { transform: translateY(-3px); border-color: var(--blue); }
.step-num {
  display: grid; place-items: center; width: 38px; height: 38px; border-radius: 12px;
  font-family: var(--font-display); font-weight: 700; font-size: 1rem;
  background: var(--surface-tint); color: var(--blue-deep); margin-bottom: 16px;
}
.step h3 { margin-bottom: 8px; }
.step p { font-size: 0.92rem; }
.step-accent { background: linear-gradient(160deg, var(--surface-tint), #ffffff 70%); border-color: rgba(23, 125, 189, 0.45); }
.step-accent .step-num { background: var(--grad); color: #fff; }

/* calculator */
.calc-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: center; }
@media (max-width: 920px) { .calc-grid { grid-template-columns: 1fr; gap: 36px; } }
.calc-copy h2 { margin-bottom: 12px; }
.check-list { list-style: none; margin-top: 22px; display: grid; gap: 12px; }
.check-list li { display: flex; gap: 10px; color: var(--muted); font-size: 0.95rem; }
.check-list li::before { content: "✓"; color: var(--green); font-weight: 700; }
.calc-card {
  background: var(--surface); border: 1px solid var(--border);
  border-radius: var(--radius); padding: 30px;
  box-shadow: var(--shadow-card);
}
.calc-row { margin-bottom: 26px; }
.calc-label { display: flex; justify-content: space-between; font-size: 0.9rem; font-weight: 600; margin-bottom: 10px; }
.calc-label output { color: var(--blue-deep); font-family: var(--font-display); font-variant-numeric: tabular-nums; }
input[type="range"] {
  width: 100%; height: 6px; -webkit-appearance: none; appearance: none;
  background: linear-gradient(90deg, var(--blue) var(--fill, 12%), var(--border) var(--fill, 12%));
  border-radius: 999px; outline: none; cursor: pointer;
}
input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none; width: 20px; height: 20px; border-radius: 50%;
  background: #fff; border: 3px solid var(--blue);
  box-shadow: 0 2px 8px rgba(23, 125, 189, 0.4); cursor: grab;
}
input[type="range"]::-moz-range-thumb {
  width: 16px; height: 16px; border-radius: 50%;
  background: #fff; border: 3px solid var(--blue); cursor: grab;
}
.calc-results {
  display: grid; grid-template-columns: 1fr 1fr; gap: 14px;
  margin-top: 6px;
}
.calc-result {
  background: var(--surface-tint); border: 1px solid rgba(23, 125, 189, 0.2);
  border-radius: var(--radius-sm); padding: 16px 18px;
}
.calc-result small { color: var(--muted); font-size: 0.76rem; text-transform: uppercase; letter-spacing: 0.06em; font-weight: 600; }
.calc-result strong {
  display: block; font-family: var(--font-display); font-size: clamp(1.2rem, 2.6vw, 1.6rem);
  color: var(--green); margin-top: 4px; font-variant-numeric: tabular-nums;
}
.calc-note { font-size: 0.78rem; margin-top: 16px; color: var(--muted-2); }

/* benefits */
.benefits { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
@media (max-width: 980px) { .benefits { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 560px) { .benefits { grid-template-columns: 1fr; } }
.benefit {
  background: var(--surface); border: 1px solid var(--border);
  border-radius: var(--radius); padding: 26px 22px;
  box-shadow: var(--shadow-card);
  transition: transform 0.2s ease, border-color 0.2s ease;
}
.benefit:hover { transform: translateY(-3px); border-color: var(--blue); }
.benefit-icon {
  display: grid; place-items: center; width: 44px; height: 44px;
  font-size: 1.3rem; border-radius: 13px;
  background: var(--surface-tint); margin-bottom: 16px;
}
.benefit h3 { margin-bottom: 8px; }
.benefit p { font-size: 0.92rem; }

/* faq */
.faq-list { display: grid; gap: 12px; }
.faq-list details {
  background: var(--surface); border: 1px solid var(--border);
  border-radius: var(--radius-sm); padding: 0 22px; overflow: hidden;
}
.faq-list details[open] { border-color: var(--blue); }
.faq-list summary {
  cursor: pointer; list-style: none; padding: 18px 0;
  font-weight: 600; font-size: 0.98rem; position: relative; padding-right: 34px;
  color: var(--text);
}
.faq-list summary::-webkit-details-marker { display: none; }
.faq-list summary::after {
  content: "+"; position: absolute; right: 4px; top: 50%; transform: translateY(-50%);
  color: var(--blue); font-size: 1.3rem; font-weight: 500; transition: transform 0.2s ease;
}
.faq-list details[open] summary::after { transform: translateY(-50%) rotate(45deg); }
.faq-list details p { padding: 0 0 18px; font-size: 0.94rem; }

/* apply */
.apply-grid { display: grid; grid-template-columns: 0.9fr 1.1fr; gap: 56px; align-items: start; }
@media (max-width: 920px) { .apply-grid { grid-template-columns: 1fr; gap: 36px; } }
.apply-copy { position: sticky; top: 96px; }
@media (max-width: 920px) { .apply-copy { position: static; } }
.apply-copy h2 { margin: 0 0 12px; }
.apply-steps { display: grid; gap: 10px; margin-top: 26px; }
.apply-steps div {
  background: var(--surface); border: 1px solid var(--border);
  border-radius: var(--radius-sm); padding: 13px 18px; font-size: 0.92rem; color: var(--muted);
}
.apply-steps b { color: var(--blue-deep); margin-right: 8px; font-family: var(--font-display); }

.apply-card {
  background: var(--surface); border: 1px solid var(--border);
  border-radius: var(--radius); padding: 32px;
  box-shadow: var(--shadow-card);
}
.field { margin-bottom: 18px; display: flex; flex-direction: column; }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
@media (max-width: 560px) { .field-row { grid-template-columns: 1fr; gap: 0; } }
label { font-size: 0.84rem; font-weight: 600; margin-bottom: 7px; }
.opt { color: var(--muted-2); font-weight: 400; }
input[type="text"], input[type="tel"], input[type="email"], select, textarea {
  font: inherit; color: var(--text);
  background: #fff;
  border: 1px solid var(--border); border-radius: var(--radius-sm);
  padding: 13px 16px; outline: none; width: 100%;
  transition: border-color 0.15s ease, box-shadow 0.15s ease;
}
input:focus, select:focus, textarea:focus {
  border-color: var(--blue);
  box-shadow: 0 0 0 3px rgba(23, 125, 189, 0.15);
}
select { appearance: none; background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%238a97ac' stroke-width='2' fill='none' stroke-linecap='round'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 16px center; }
select:invalid { color: var(--muted-2); }
select option { background: #fff; color: var(--text); }
textarea { resize: vertical; }
::placeholder { color: var(--muted-2); }
.err { color: #dc2626; font-size: 0.78rem; margin-top: 6px; min-height: 0; }
.field.invalid input, .field.invalid select { border-color: rgba(220, 38, 38, 0.6); }
.hp { position: absolute; left: -9999px; opacity: 0; height: 0; }
.form-note { font-size: 0.78rem; margin-top: 14px; text-align: center; color: var(--muted-2); }
.form-error { color: #dc2626; font-size: 0.85rem; margin-top: 12px; text-align: center; }

.success-card { text-align: center; padding: 56px 32px; }
.success-icon {
  width: 64px; height: 64px; margin: 0 auto 20px; border-radius: 50%;
  display: grid; place-items: center; font-size: 1.8rem; font-weight: 700;
  color: #fff; background: var(--green);
  box-shadow: 0 10px 26px rgba(5, 150, 105, 0.35);
}
.success-card h3 { font-size: 1.4rem; margin-bottom: 10px; }
.success-card p { margin-bottom: 8px; }

/* footer */
.footer { border-top: 1px solid var(--border); padding: 48px 0 28px; background: #ffffff; }
.footer-inner { display: flex; justify-content: space-between; gap: 32px; flex-wrap: wrap; }
.footer-tag { max-width: 24rem; font-size: 0.9rem; margin-top: 14px; }
.footer-links { display: flex; flex-direction: column; gap: 10px; }
.footer-links a { color: var(--muted); text-decoration: none; font-size: 0.92rem; }
.footer-links a:hover { color: var(--blue-deep); }
.footer-legal { margin-top: 34px; padding-top: 20px; border-top: 1px solid var(--border); color: var(--muted-2); font-size: 0.8rem; }