/* ==========================================================================
   Peso Ready — Premium fintech landing page
   Author: Peso Ready
   ========================================================================== */

/* ----- Design tokens ----- */
:root {
  --primary: #234cd9;
  --primary-dark: #1738a8;
  --primary-soft: #edf1ff;
  --primary-faint: #f7f9ff;
  --accent: #fbedda;
  --accent-soft: #fff7ed;
  --coral: #f85959;
  --violet: #592fcb;
  --cta-gradient: linear-gradient(135deg, var(--coral), var(--violet));
  --ink: #101828;
  --ink-soft: #344054;
  --muted: #667085;
  --muted-light: #98a2b3;
  --line: #e4e7ec;
  --line-strong: #d0d5dd;
  --surface: #ffffff;
  --surface-alt: #f8fafc;
  --success: #12b76a;
  --success-soft: #eafbf2;
  --footer: #071127;
  --footer-soft: #9ba8c0;
  --shadow-xs: 0 1px 2px rgba(16, 24, 40, 0.04);
  --shadow-sm: 0 8px 24px rgba(16, 24, 40, 0.07);
  --shadow-md: 0 18px 48px rgba(16, 24, 40, 0.1);
  --shadow-lg: 0 28px 70px rgba(16, 24, 40, 0.14);
  --shadow-blue: 0 18px 40px rgba(35, 76, 217, 0.24);
  --radius-sm: 12px;
  --radius-md: 18px;
  --radius-lg: 24px;
  --radius-xl: 32px;
  --radius-pill: 999px;
  --container: 1180px;
  --header-height: 82px;
  --section-space: clamp(76px, 9vw, 132px);
  --ease: cubic-bezier(0.22, 1, 0.36, 1);
}

/* ----- Reset & base ----- */
*,
*::before,
*::after {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
  scroll-padding-top: calc(var(--header-height) + 24px);
}

body {
  margin: 0;
  overflow-x: hidden;
  background: var(--surface);
  color: var(--ink);
  font-family:
    "Inter",
    "Poppins",
    -apple-system,
    BlinkMacSystemFont,
    "Segoe UI",
    sans-serif;
  font-size: 16px;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}

body.nav-open {
  overflow: hidden;
}

h1,
h2,
h3,
p,
ul,
ol,
address {
  margin-top: 0;
}

h1,
h2,
h3 {
  font-family:
    "Poppins",
    "Inter",
    -apple-system,
    BlinkMacSystemFont,
    "Segoe UI",
    sans-serif;
  color: var(--ink);
  letter-spacing: -0.035em;
  line-height: 1.12;
}

h1 {
  font-size: clamp(2.75rem, 5.4vw, 5rem);
  font-weight: 700;
}

h2 {
  font-size: clamp(2rem, 3.6vw, 3.35rem);
  font-weight: 700;
}

h3 {
  font-size: 1.1rem;
  font-weight: 650;
}

p {
  color: var(--muted);
}

a {
  color: inherit;
  text-decoration: none;
}

button,
input,
textarea,
select {
  font: inherit;
}

button {
  border: 0;
}

img,
svg {
  display: block;
  max-width: 100%;
}

ul,
ol {
  margin-bottom: 0;
  padding-left: 0;
  list-style: none;
}

address {
  font-style: normal;
}

::selection {
  background: rgba(35, 76, 217, 0.16);
  color: var(--primary-dark);
}

:focus-visible {
  outline: 3px solid rgba(35, 76, 217, 0.34);
  outline-offset: 4px;
}

.container {
  width: min(calc(100% - 40px), var(--container));
  margin-inline: auto;
}

.section {
  position: relative;
  padding-block: var(--section-space);
}

.skip-link {
  position: fixed;
  top: 12px;
  left: 12px;
  z-index: 9999;
  transform: translateY(-160%);
  border-radius: 10px;
  background: var(--ink);
  color: #fff;
  padding: 10px 16px;
  font-size: 0.9rem;
  font-weight: 700;
  transition: transform 180ms ease;
}

.skip-link:focus {
  transform: translateY(0);
}

/* ----- Reusable UI ----- */
.btn {
  position: relative;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  min-height: 48px;
  border-radius: 14px;
  padding: 14px 28px;
  font-size: 0.95rem;
  font-weight: 700;
  line-height: 1;
  white-space: nowrap;
  cursor: pointer;
  transition:
    transform 240ms var(--ease),
    box-shadow 240ms var(--ease),
    background-color 240ms ease,
    color 240ms ease,
    border-color 240ms ease;
}

.btn svg {
  width: 18px;
  height: 18px;
  flex: 0 0 auto;
  transition: transform 240ms var(--ease);
}

.btn:hover svg {
  transform: translateX(3px);
}

.btn-primary {
  background: var(--cta-gradient);
  color: #fff;
  box-shadow: 0 12px 28px rgba(89, 47, 203, 0.24);
}

.btn-primary:hover {
  transform: translateY(-3px);
  box-shadow: 0 18px 36px rgba(89, 47, 203, 0.32);
}

.btn-secondary {
  border: 1px solid var(--line-strong);
  background: rgba(255, 255, 255, 0.84);
  color: var(--ink-soft);
  box-shadow: var(--shadow-xs);
}

.btn-secondary:hover {
  transform: translateY(-3px);
  border-color: rgba(35, 76, 217, 0.34);
  color: var(--primary);
  box-shadow: var(--shadow-sm);
}

.btn-lg {
  min-height: 56px;
  padding: 17px 32px;
  font-size: 0.98rem;
}

.section-heading {
  max-width: 760px;
  margin-bottom: clamp(42px, 6vw, 68px);
}

.section-heading.centered {
  margin-inline: auto;
  text-align: center;
}

.section-heading h2 {
  margin-bottom: 18px;
}

.section-heading p {
  margin-bottom: 0;
  font-size: 1.04rem;
  line-height: 1.75;
}

.section-kicker {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  margin-bottom: 14px;
  color: var(--primary);
  font-size: 0.77rem;
  font-weight: 800;
  letter-spacing: 0.14em;
  text-transform: uppercase;
}

.section-kicker::before {
  width: 22px;
  height: 2px;
  border-radius: 2px;
  background: currentColor;
  content: "";
}

.light-kicker {
  color: #b8c6ff;
}

.gradient-text {
  background: linear-gradient(
    115deg,
    var(--primary) 10%,
    #6541d8 54%,
    var(--coral) 104%
  );
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
}

.text-link {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  color: var(--primary);
  font-weight: 750;
  transition:
    gap 220ms var(--ease),
    color 220ms ease;
}

.text-link:hover {
  gap: 13px;
  color: var(--primary-dark);
}

/* ----- Header & navigation ----- */
.site-header {
  position: fixed;
  top: 0;
  z-index: 1000;
  width: 100%;
  border-bottom: 1px solid rgba(228, 231, 236, 0.7);
  background: rgba(255, 255, 255, 0.88);
  box-shadow: 0 4px 22px rgba(16, 24, 40, 0.05);
  backdrop-filter: blur(18px);
  -webkit-backdrop-filter: blur(18px);
  transition:
    box-shadow 260ms ease,
    background-color 260ms ease;
}

.site-header.is-scrolled {
  background: rgba(255, 255, 255, 0.96);
  box-shadow: 0 10px 30px rgba(16, 24, 40, 0.09);
}

.nav-shell {
  display: flex;
  align-items: center;
  justify-content: space-between;
  min-height: var(--header-height);
  gap: 26px;
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  flex: 0 0 auto;
}

.brand-logo {
  display: block;
  width: auto;
  height: 42px;
  max-width: min(100%, 220px);
  object-fit: contain;
}

.brand-mark {
  display: grid;
  width: 42px;
  height: 42px;
  place-items: center;
  border-radius: 13px;
  background: var(--cta-gradient);
  color: #fff;
  box-shadow: 0 10px 22px rgba(35, 76, 217, 0.2);
}

.brand-mark svg {
  width: 30px;
  height: 30px;
}

.brand-copy {
  display: grid;
  gap: 1px;
  line-height: 1.15;
}

.brand-copy strong {
  color: var(--ink);
  font-family: "Poppins", "Inter", sans-serif;
  font-size: 1rem;
  font-weight: 700;
  letter-spacing: -0.025em;
}

.brand-copy small {
  color: var(--muted);
  font-size: 0.65rem;
  font-weight: 600;
  letter-spacing: 0.02em;
}

.main-nav {
  display: flex;
  align-items: center;
  gap: 22px;
}

.nav-list {
  display: flex;
  align-items: center;
  gap: 3px;
}

.nav-link {
  position: relative;
  display: block;
  border-radius: 10px;
  padding: 10px 12px;
  color: #475467;
  font-size: 0.86rem;
  font-weight: 650;
  transition:
    color 200ms ease,
    background-color 200ms ease;
}

.nav-link::after {
  position: absolute;
  right: 12px;
  bottom: 4px;
  left: 12px;
  height: 2px;
  transform: scaleX(0);
  border-radius: 2px;
  background: var(--primary);
  content: "";
  transform-origin: center;
  transition: transform 240ms var(--ease);
}

.nav-link:hover,
.nav-link.is-active {
  color: var(--primary);
  background: var(--primary-soft);
}

.nav-link.is-active::after,
.nav-link:hover::after {
  transform: scaleX(1);
}

.btn-nav {
  min-height: 44px;
  padding: 12px 20px;
  font-size: 0.86rem;
}

.nav-toggle {
  display: none;
  width: 44px;
  height: 44px;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 5px;
  border-radius: 12px;
  background: var(--primary-faint);
  color: var(--ink);
  cursor: pointer;
}

.nav-toggle span {
  display: block;
  width: 20px;
  height: 2px;
  border-radius: 2px;
  background: currentColor;
  transition:
    transform 220ms ease,
    opacity 220ms ease;
}

/* ----- Hero ----- */
.hero {
  position: relative;
  overflow: hidden;
  padding-top: calc(var(--header-height) + clamp(64px, 8vw, 110px));
  padding-bottom: clamp(92px, 10vw, 152px);
  background: radial-gradient(
      circle at 82% 12%,
      rgba(251, 237, 218, 0.94),
      transparent 31%
    ),
    radial-gradient(
      circle at 12% 88%,
      rgba(237, 241, 255, 0.92),
      transparent 35%
    ),
    linear-gradient(180deg, #fbfcff 0%, #ffffff 100%);
}

.hero::after {
  position: absolute;
  right: -140px;
  bottom: -260px;
  width: 620px;
  height: 620px;
  border: 1px solid rgba(35, 76, 217, 0.1);
  border-radius: 50%;
  box-shadow:
    0 0 0 70px rgba(35, 76, 217, 0.025),
    0 0 0 140px rgba(35, 76, 217, 0.018);
  content: "";
  pointer-events: none;
}

.hero-glow {
  position: absolute;
  border-radius: 50%;
  filter: blur(3px);
  pointer-events: none;
}

.hero-glow-one {
  top: 16%;
  left: -120px;
  width: 260px;
  height: 260px;
  background: rgba(35, 76, 217, 0.06);
}

.hero-glow-two {
  top: 10%;
  right: 36%;
  width: 110px;
  height: 110px;
  background: rgba(248, 89, 89, 0.08);
}

.hero-grid {
  position: relative;
  z-index: 1;
  display: grid;
  align-items: center;
  grid-template-columns: minmax(0, 1.08fr) minmax(320px, 0.92fr);
  gap: clamp(48px, 7vw, 94px);
}

.hero-copy {
  max-width: 700px;
}

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 24px;
  border: 1px solid rgba(35, 76, 217, 0.13);
  border-radius: var(--radius-pill);
  background: rgba(255, 255, 255, 0.72);
  padding: 8px 14px 8px 9px;
  color: var(--primary-dark);
  box-shadow: 0 8px 20px rgba(35, 76, 217, 0.06);
  font-size: 0.76rem;
  font-weight: 750;
  letter-spacing: 0.01em;
  backdrop-filter: blur(12px);
}

.eyebrow-icon {
  display: grid;
  width: 26px;
  height: 26px;
  place-items: center;
  border-radius: 50%;
  background: var(--primary);
  color: #fff;
}

.eyebrow-icon svg {
  width: 16px;
  height: 16px;
}

.hero h1 {
  max-width: 720px;
  margin-bottom: 24px;
  font-size: clamp(3rem, 5.7vw, 5.45rem);
  letter-spacing: -0.055em;
}

.hero-lead {
  max-width: 640px;
  margin-bottom: 34px;
  color: var(--ink-soft);
  font-size: clamp(1.02rem, 1.35vw, 1.14rem);
  line-height: 1.78;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  margin-bottom: 26px;
}

.hero-assurance {
  display: flex;
  flex-wrap: wrap;
  gap: 18px 28px;
  color: var(--ink-soft);
  font-size: 0.84rem;
  font-weight: 650;
}

.hero-assurance span {
  display: inline-flex;
  align-items: center;
  gap: 7px;
}

.hero-assurance svg {
  width: 17px;
  height: 17px;
  color: var(--success);
}

.hero-disclaimer {
  max-width: 560px;
  margin: 22px 0 0;
  color: var(--muted-light);
  font-size: 0.73rem;
  line-height: 1.65;
}

/* ----- Phone mockup ----- */
.hero-visual {
  position: relative;
  display: flex;
  align-items: center;
  justify-content: center;
}

.hero-app-image {
  display: block;
  width: min(100%, 382px);
  height: auto;
  filter: drop-shadow(0 30px 42px rgba(16, 24, 40, 0.2));
  animation: float-soft 7s ease-in-out infinite;
}

.phone-wrap {
  position: relative;
  width: min(100%, 382px);
  animation: float-soft 7s ease-in-out infinite;
}

.phone-frame {
  position: relative;
  width: 100%;
  aspect-ratio: 0.5;
  border: 8px solid #101828;
  border-radius: 48px;
  background: #101828;
  box-shadow:
    0 42px 82px rgba(16, 24, 40, 0.24),
    0 18px 34px rgba(35, 76, 217, 0.15);
  overflow: hidden;
}

.phone-frame::before {
  position: absolute;
  inset: 0;
  z-index: 4;
  border: 2px solid rgba(255, 255, 255, 0.28);
  border-radius: 39px;
  content: "";
  pointer-events: none;
}

.phone-notch {
  position: absolute;
  top: 12px;
  left: 50%;
  z-index: 5;
  width: 94px;
  height: 24px;
  transform: translateX(-50%);
  border-radius: 0 0 16px 16px;
  background: #101828;
}

.phone-notch::after {
  position: absolute;
  top: 7px;
  left: 50%;
  width: 36px;
  height: 6px;
  transform: translateX(-50%);
  border-radius: 999px;
  background: #2b3445;
  content: "";
}

.phone-screen {
  position: absolute;
  inset: 6px;
  display: flex;
  flex-direction: column;
  gap: 13px;
  border-radius: 35px;
  background: radial-gradient(
      circle at 100% 0%,
      rgba(251, 237, 218, 0.82),
      transparent 35%
    ),
    linear-gradient(180deg, #f6f8ff 0%, #ffffff 48%);
  padding: 38px 19px 18px;
  overflow: hidden;
}

.app-statusbar {
  display: flex;
  align-items: center;
  justify-content: space-between;
  color: #344054;
  font-size: 0.62rem;
  font-weight: 800;
}

.status-icons {
  display: flex;
  align-items: center;
  gap: 3px;
}

.status-icons i {
  display: block;
  width: 9px;
  height: 5px;
  border-radius: 2px;
  background: #344054;
  opacity: 0.85;
}

.status-icons i:first-child {
  width: 12px;
}

.status-icons i:last-child {
  width: 14px;
  border-radius: 999px;
  background: var(--success);
}

.app-header {
  display: flex;
  align-items: center;
  gap: 8px;
  color: var(--ink);
  font-size: 0.72rem;
  font-weight: 750;
}

.app-mini-logo {
  display: grid;
  width: 24px;
  height: 24px;
  place-items: center;
  border-radius: 8px;
  background: var(--cta-gradient);
  color: #fff;
  font-family: "Poppins", "Inter", sans-serif;
  font-size: 0.72rem;
  font-weight: 800;
}

.app-avatar {
  display: grid;
  width: 24px;
  height: 24px;
  margin-left: auto;
  place-items: center;
  border-radius: 50%;
  background: var(--accent);
  color: #713f12;
  font-size: 0.52rem;
  font-weight: 800;
}

.app-greeting {
  display: grid;
  gap: 2px;
}

.app-greeting span {
  color: var(--muted);
  font-size: 0.68rem;
}

.app-greeting strong {
  color: var(--ink);
  font-family: "Poppins", "Inter", sans-serif;
  font-size: 0.93rem;
  line-height: 1.3;
  letter-spacing: -0.025em;
}

.app-progress-card,
.app-loan-card,
.app-detail-row {
  border: 1px solid rgba(228, 231, 236, 0.9);
  border-radius: 16px;
  background: rgba(255, 255, 255, 0.92);
  box-shadow: 0 10px 25px rgba(16, 24, 40, 0.055);
}

.app-progress-card {
  padding: 12px;
}

.app-card-head {
  display: flex;
  align-items: center;
  justify-content: space-between;
  color: var(--muted);
  font-size: 0.63rem;
  font-weight: 700;
}

.app-card-head strong {
  color: var(--primary);
  font-size: 0.72rem;
}

.progress-track {
  height: 6px;
  margin: 10px 0 7px;
  border-radius: 999px;
  background: #edf1ff;
  overflow: hidden;
}

.progress-track span {
  display: block;
  width: 67%;
  height: 100%;
  border-radius: inherit;
  background: var(--cta-gradient);
  box-shadow: 0 0 12px rgba(89, 47, 203, 0.3);
}

.progress-labels {
  display: flex;
  justify-content: space-between;
  color: #98a2b3;
  font-size: 0.49rem;
  font-weight: 700;
}

.app-loan-card {
  position: relative;
  display: grid;
  padding: 15px;
  overflow: hidden;
  background: linear-gradient(145deg, #234cd9 0%, #5432c6 100%);
}

.app-loan-card::after {
  position: absolute;
  top: -30px;
  right: -22px;
  width: 100px;
  height: 100px;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.12);
  content: "";
}

.app-card-label,
.app-card-note {
  position: relative;
  z-index: 1;
  color: rgba(255, 255, 255, 0.72);
  font-size: 0.58rem;
  font-weight: 700;
}

.app-loan-card strong {
  position: relative;
  z-index: 1;
  margin: 4px 0 1px;
  color: #fff;
  font-family: "Poppins", "Inter", sans-serif;
  font-size: 1.7rem;
  letter-spacing: -0.05em;
}

.amount-visual {
  position: relative;
  z-index: 1;
  display: flex;
  align-items: flex-end;
  gap: 4px;
  height: 29px;
  margin-top: 10px;
}

.amount-visual span {
  width: 7px;
  border-radius: 3px 3px 1px 1px;
  background: rgba(255, 255, 255, 0.24);
}

.amount-visual span:nth-child(1) {
  height: 28%;
}
.amount-visual span:nth-child(2) {
  height: 45%;
}
.amount-visual span:nth-child(3) {
  height: 36%;
}
.amount-visual span:nth-child(4) {
  height: 73%;
}
.amount-visual span:nth-child(5) {
  height: 58%;
}
.amount-visual span:nth-child(6) {
  height: 92%;
  background: rgba(255, 255, 255, 0.86);
}
.amount-visual span:nth-child(7) {
  height: 100%;
  background: var(--accent);
}

.app-detail-row {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 10px;
}

.app-detail-icon {
  display: grid;
  width: 32px;
  height: 32px;
  flex: 0 0 auto;
  place-items: center;
  border-radius: 11px;
  background: var(--success-soft);
  color: var(--success);
}

.app-detail-icon svg {
  width: 18px;
  height: 18px;
}

.app-detail-row > span:last-child {
  display: grid;
  gap: 1px;
}

.app-detail-row strong {
  color: var(--ink);
  font-size: 0.65rem;
}

.app-detail-row small {
  color: var(--muted);
  font-size: 0.51rem;
}

.app-button {
  width: 100%;
  margin-top: auto;
  border-radius: 13px;
  background: var(--cta-gradient);
  color: #fff;
  padding: 12px;
  font-size: 0.7rem;
  font-weight: 800;
  box-shadow: 0 12px 22px rgba(89, 47, 203, 0.24);
  cursor: default;
}

.app-nav {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 5px;
  padding-top: 2px;
}

.app-nav span {
  display: block;
  width: 5px;
  height: 5px;
  border-radius: 50%;
  background: #d0d5dd;
}

.app-nav span.is-active {
  width: 18px;
  border-radius: 999px;
  background: var(--primary);
}

.floating-card {
  position: absolute;
  z-index: 4;
  display: flex;
  align-items: center;
  gap: 10px;
  border: 1px solid rgba(228, 231, 236, 0.78);
  border-radius: 16px;
  background: rgba(255, 255, 255, 0.9);
  padding: 11px 13px;
  box-shadow: 0 16px 36px rgba(16, 24, 40, 0.13);
  backdrop-filter: blur(14px);
  -webkit-backdrop-filter: blur(14px);
  animation: float-card 6s ease-in-out infinite;
}

.floating-card > span:last-child {
  display: grid;
  gap: 1px;
}

.floating-card strong {
  color: var(--ink);
  font-size: 0.68rem;
  line-height: 1.25;
}

.floating-card small {
  color: var(--muted);
  font-size: 0.56rem;
}

.floating-icon {
  display: grid;
  width: 32px;
  height: 32px;
  place-items: center;
  border-radius: 10px;
}

.floating-icon svg {
  width: 19px;
  height: 19px;
}

.floating-card-sec {
  top: 14%;
  left: -145px;
  animation-delay: -1.4s;
}

.floating-card-sec .floating-icon {
  background: var(--success-soft);
  color: var(--success);
}

.floating-card-secure {
  right: -44px;
  bottom: 25%;
  animation-delay: -3.2s;
}

.floating-card-secure .floating-icon {
  background: var(--primary-soft);
  color: var(--primary);
}

.floating-card-online {
  bottom: 9%;
  left: -24px;
  animation-delay: -2.2s;
}

.pulse-dot {
  width: 11px;
  height: 11px;
  flex: 0 0 auto;
  border: 3px solid rgba(18, 183, 106, 0.18);
  border-radius: 50%;
  background: var(--success);
  box-shadow: 0 0 0 6px rgba(18, 183, 106, 0.12);
  animation: pulse-dot 2.4s ease-in-out infinite;
}

/* ----- Trust band ----- */
.trust-band {
  position: relative;
  overflow: hidden;
  padding-block: clamp(72px, 8vw, 112px);
  background: radial-gradient(
      circle at 14% 16%,
      rgba(255, 255, 255, 0.13),
      transparent 26%
    ),
    radial-gradient(circle at 88% 82%, rgba(248, 89, 89, 0.18), transparent 30%),
    linear-gradient(135deg, #1738a8 0%, #234cd9 52%, #4c2bc0 100%);
}

.trust-band::before {
  position: absolute;
  inset: 0;
  background-image: linear-gradient(
      rgba(255, 255, 255, 0.045) 1px,
      transparent 1px
    ),
    linear-gradient(90deg, rgba(255, 255, 255, 0.045) 1px, transparent 1px);
  background-size: 42px 42px;
  content: "";
  mask-image: linear-gradient(to bottom, rgba(0, 0, 0, 0.7), transparent 94%);
  pointer-events: none;
}

.trust-band .container {
  position: relative;
  z-index: 1;
}

.trust-band .section-heading h2,
.trust-band .section-heading p {
  color: #fff;
}

.trust-band .section-heading p {
  color: rgba(255, 255, 255, 0.72);
}

.trust-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 18px;
}

.trust-card {
  position: relative;
  min-height: 250px;
  border: 1px solid rgba(255, 255, 255, 0.18);
  border-radius: var(--radius-lg);
  background: rgba(255, 255, 255, 0.1);
  padding: 24px;
  box-shadow: 0 20px 40px rgba(3, 10, 35, 0.14);
  backdrop-filter: blur(14px);
  -webkit-backdrop-filter: blur(14px);
  transition:
    transform 280ms var(--ease),
    background-color 280ms ease,
    border-color 280ms ease;
}

.trust-card:hover {
  transform: translateY(-8px);
  border-color: rgba(255, 255, 255, 0.33);
  background: rgba(255, 255, 255, 0.15);
}

.trust-number {
  position: absolute;
  top: 24px;
  right: 24px;
  color: rgba(255, 255, 255, 0.3);
  font-family: "Poppins", "Inter", sans-serif;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.12em;
}

.trust-icon {
  display: grid;
  width: 48px;
  height: 48px;
  margin-bottom: 46px;
  place-items: center;
  border: 1px solid rgba(255, 255, 255, 0.2);
  border-radius: 15px;
  background: rgba(255, 255, 255, 0.13);
  color: #fff;
}

.trust-icon svg {
  width: 25px;
  height: 25px;
}

.trust-card h3 {
  margin-bottom: 9px;
  color: #fff;
  font-size: 1rem;
  line-height: 1.32;
}

.trust-card p {
  margin-bottom: 0;
  color: rgba(255, 255, 255, 0.7);
  font-size: 0.82rem;
  line-height: 1.62;
}

/* ----- Features ----- */
.features-section {
  background: linear-gradient(180deg, #fff 0%, #fbfcff 100%);
}

.feature-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 20px;
}

.feature-card {
  position: relative;
  min-height: 292px;
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  background: var(--surface);
  padding: 26px;
  box-shadow: var(--shadow-sm);
  overflow: hidden;
  transition:
    transform 300ms var(--ease),
    box-shadow 300ms var(--ease),
    border-color 300ms ease;
}

.feature-card::after {
  position: absolute;
  right: -48px;
  bottom: -58px;
  width: 140px;
  height: 140px;
  border-radius: 50%;
  background: var(--primary-faint);
  content: "";
  transition: transform 360ms var(--ease);
}

.feature-card:hover {
  transform: translateY(-8px);
  border-color: rgba(35, 76, 217, 0.24);
  box-shadow: var(--shadow-md);
}

.feature-card:hover::after {
  transform: scale(1.2);
}

.feature-icon {
  position: relative;
  z-index: 1;
  display: grid;
  width: 56px;
  height: 56px;
  margin-bottom: 52px;
  place-items: center;
  border-radius: 17px;
}

.feature-icon svg {
  width: 29px;
  height: 29px;
}

.icon-blue {
  background: var(--primary-soft);
  color: var(--primary);
}

.icon-coral {
  background: #fff0ee;
  color: var(--coral);
}

.icon-violet {
  background: #f0eafd;
  color: var(--violet);
}

.icon-green {
  background: var(--success-soft);
  color: var(--success);
}

.feature-card h3 {
  position: relative;
  z-index: 1;
  margin-bottom: 12px;
  font-size: 1.07rem;
}

.feature-card p {
  position: relative;
  z-index: 1;
  margin-bottom: 0;
  font-size: 0.88rem;
  line-height: 1.68;
}

/* ----- Process timeline ----- */
.process-section {
  overflow: hidden;
  background: linear-gradient(
      180deg,
      rgba(251, 237, 218, 0.6) 0%,
      rgba(255, 255, 255, 0.8) 100%
    ),
    radial-gradient(circle at 10% 80%, rgba(35, 76, 217, 0.06), transparent 30%);
}

.process-list {
  position: relative;
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 22px;
  counter-reset: process;
}

.process-list::before {
  position: absolute;
  top: 39px;
  right: 8%;
  left: 8%;
  height: 1px;
  background: linear-gradient(
    90deg,
    rgba(35, 76, 217, 0.06),
    rgba(35, 76, 217, 0.28),
    rgba(248, 89, 89, 0.2)
  );
  content: "";
}

.process-step {
  position: relative;
  z-index: 1;
  border: 1px solid rgba(228, 231, 236, 0.88);
  border-radius: var(--radius-lg);
  background: rgba(255, 255, 255, 0.8);
  padding: 26px 22px 24px;
  box-shadow: var(--shadow-sm);
  backdrop-filter: blur(12px);
  transition:
    transform 280ms var(--ease),
    box-shadow 280ms var(--ease);
}

.process-step:hover {
  transform: translateY(-7px);
  box-shadow: var(--shadow-md);
}

.step-number {
  position: absolute;
  top: 18px;
  right: 20px;
  color: rgba(35, 76, 217, 0.17);
  font-family: "Poppins", "Inter", sans-serif;
  font-size: 1.35rem;
  font-weight: 800;
  letter-spacing: -0.05em;
}

.step-icon {
  display: grid;
  width: 78px;
  height: 78px;
  margin-bottom: 50px;
  place-items: center;
  border: 6px solid #fff;
  border-radius: 50%;
  background: linear-gradient(145deg, var(--primary-soft), #fff);
  color: var(--primary);
  box-shadow: 0 14px 30px rgba(35, 76, 217, 0.14);
}

.process-step:nth-child(2) .step-icon {
  color: var(--coral);
  background: linear-gradient(145deg, #fff0ee, #fff);
}

.process-step:nth-child(3) .step-icon {
  color: var(--violet);
  background: linear-gradient(145deg, #f0eafd, #fff);
}

.process-step:nth-child(4) .step-icon {
  color: var(--success);
  background: linear-gradient(145deg, var(--success-soft), #fff);
}

.step-icon svg {
  width: 34px;
  height: 34px;
}

.process-step h3 {
  margin-bottom: 11px;
  font-size: 1rem;
}

.process-step p {
  margin-bottom: 0;
  font-size: 0.84rem;
  line-height: 1.66;
}

/* ----- Responsibility ----- */
.responsibility-section {
  background: #fff;
}

.responsibility-card {
  display: grid;
  grid-template-columns: minmax(0, 1.12fr) minmax(360px, 0.88fr);
  gap: clamp(38px, 6vw, 80px);
  border: 1px solid var(--line);
  border-radius: var(--radius-xl);
  background: radial-gradient(
      circle at 100% 0%,
      rgba(251, 237, 218, 0.8),
      transparent 34%
    ),
    linear-gradient(135deg, #f7f9ff 0%, #fff 58%);
  padding: clamp(30px, 5vw, 64px);
  box-shadow: var(--shadow-md);
}

.responsibility-copy h2 {
  max-width: 650px;
  margin-bottom: 22px;
}

.responsibility-copy > p {
  max-width: 680px;
  margin-bottom: 30px;
  color: var(--ink-soft);
  font-size: 1.02rem;
  line-height: 1.78;
}

.responsibility-note {
  display: flex;
  align-items: flex-start;
  gap: 14px;
  max-width: 640px;
  border: 1px solid rgba(35, 76, 217, 0.13);
  border-radius: 16px;
  background: rgba(255, 255, 255, 0.72);
  padding: 16px;
}

.responsibility-note > span {
  display: grid;
  width: 36px;
  height: 36px;
  flex: 0 0 auto;
  place-items: center;
  border-radius: 11px;
  background: var(--primary-soft);
  color: var(--primary);
}

.responsibility-note svg {
  width: 21px;
  height: 21px;
}

.responsibility-note p {
  margin-bottom: 0;
  color: var(--ink-soft);
  font-size: 0.83rem;
  line-height: 1.65;
}

.responsibility-panel {
  align-self: center;
  border: 1px solid rgba(228, 231, 236, 0.9);
  border-radius: var(--radius-lg);
  background: rgba(255, 255, 255, 0.85);
  padding: 28px;
  box-shadow: var(--shadow-sm);
}

.responsibility-panel h3 {
  margin-bottom: 20px;
  font-size: 1.03rem;
}

.check-list {
  display: grid;
  gap: 14px;
  margin-bottom: 25px;
}

.check-list li {
  display: flex;
  align-items: flex-start;
  gap: 11px;
  color: var(--ink-soft);
  font-size: 0.87rem;
  line-height: 1.45;
}

.check-list li span {
  display: grid;
  width: 20px;
  height: 20px;
  flex: 0 0 auto;
  place-items: center;
  border-radius: 50%;
  background: var(--success-soft);
  color: var(--success);
  font-size: 0.64rem;
  font-weight: 900;
}

/* ----- Security ----- */
.security-section {
  position: relative;
  overflow: hidden;
  padding-block: clamp(78px, 9vw, 132px);
  background: radial-gradient(
      circle at 95% 15%,
      rgba(248, 89, 89, 0.2),
      transparent 25%
    ),
    radial-gradient(circle at 2% 92%, rgba(255, 255, 255, 0.1), transparent 24%),
    linear-gradient(135deg, #102b8f 0%, #234cd9 54%, #4b2bbd 100%);
}

.security-section::before {
  position: absolute;
  inset: 0;
  background-image: linear-gradient(
      rgba(255, 255, 255, 0.05) 1px,
      transparent 1px
    ),
    linear-gradient(90deg, rgba(255, 255, 255, 0.05) 1px, transparent 1px);
  background-size: 46px 46px;
  content: "";
  mask-image: linear-gradient(90deg, rgba(0, 0, 0, 0.65), transparent 92%);
  pointer-events: none;
}

.security-orb {
  position: absolute;
  border-radius: 50%;
  pointer-events: none;
}

.security-orb-one {
  top: -110px;
  right: 5%;
  width: 340px;
  height: 340px;
  border: 1px solid rgba(255, 255, 255, 0.16);
  box-shadow: 0 0 0 52px rgba(255, 255, 255, 0.025);
}

.security-orb-two {
  bottom: -90px;
  left: 2%;
  width: 210px;
  height: 210px;
  background: rgba(251, 237, 218, 0.08);
}

.security-layout {
  position: relative;
  z-index: 1;
  display: grid;
  align-items: center;
  grid-template-columns: minmax(0, 0.86fr) minmax(0, 1.14fr);
  gap: clamp(42px, 7vw, 92px);
}

.security-copy h2,
.security-copy p {
  color: #fff;
}

.security-copy h2 {
  margin-bottom: 20px;
}

.security-copy > p {
  max-width: 520px;
  margin-bottom: 32px;
  color: rgba(255, 255, 255, 0.75);
  font-size: 1.02rem;
  line-height: 1.78;
}

.privacy-seal {
  display: inline-flex;
  align-items: center;
  gap: 14px;
  border: 1px solid rgba(255, 255, 255, 0.17);
  border-radius: 18px;
  background: rgba(255, 255, 255, 0.1);
  padding: 14px 17px;
  box-shadow: 0 18px 36px rgba(4, 10, 35, 0.16);
  backdrop-filter: blur(14px);
  -webkit-backdrop-filter: blur(14px);
}

.privacy-seal > span {
  display: grid;
  width: 44px;
  height: 44px;
  flex: 0 0 auto;
  place-items: center;
  border-radius: 13px;
  background: rgba(255, 255, 255, 0.13);
  color: #fff;
}

.privacy-seal svg {
  width: 26px;
  height: 26px;
}

.privacy-seal strong,
.privacy-seal small {
  display: block;
}

.privacy-seal strong {
  color: #fff;
  font-size: 0.84rem;
}

.privacy-seal small {
  margin-top: 2px;
  color: rgba(255, 255, 255, 0.62);
  font-size: 0.7rem;
}

.security-features {
  display: grid;
  gap: 14px;
}

.security-feature {
  display: flex;
  align-items: center;
  gap: 16px;
  border: 1px solid rgba(255, 255, 255, 0.17);
  border-radius: 20px;
  background: rgba(255, 255, 255, 0.11);
  padding: 18px;
  box-shadow: 0 18px 36px rgba(4, 10, 35, 0.12);
  backdrop-filter: blur(14px);
  -webkit-backdrop-filter: blur(14px);
  transition:
    transform 280ms var(--ease),
    background-color 280ms ease,
    border-color 280ms ease;
}

.security-feature:hover {
  transform: translateX(7px);
  border-color: rgba(255, 255, 255, 0.32);
  background: rgba(255, 255, 255, 0.16);
}

.security-feature-icon {
  display: grid;
  width: 52px;
  height: 52px;
  flex: 0 0 auto;
  place-items: center;
  border-radius: 15px;
  background: rgba(255, 255, 255, 0.13);
  color: #fff;
}

.security-feature-icon svg {
  width: 27px;
  height: 27px;
}

.security-feature strong,
.security-feature small {
  display: block;
}

.security-feature strong {
  margin-bottom: 3px;
  color: #fff;
  font-size: 0.93rem;
}

.security-feature small {
  color: rgba(255, 255, 255, 0.65);
  font-size: 0.76rem;
  line-height: 1.55;
}

/* ----- Company ----- */
.company-section {
  background: linear-gradient(180deg, #fff 0%, #fbfcff 100%);
}

.company-stack {
  display: grid;
  gap: clamp(20px, 3vw, 32px);
}

.company-card {
  display: grid;
  grid-template-columns: minmax(0, 0.75fr) minmax(0, 1.25fr);
  gap: clamp(36px, 6vw, 76px);
  border: 1px solid var(--line);
  border-radius: var(--radius-xl);
  background: #fff;
  padding: clamp(28px, 5vw, 58px);
  box-shadow: var(--shadow-md);
}

.company-intro {
  display: flex;
  align-items: flex-start;
  gap: 18px;
}

.company-emblem {
  display: grid;
  width: 60px;
  height: 60px;
  flex: 0 0 auto;
  place-items: center;
  border-radius: 18px;
  background: var(--primary-soft);
  color: var(--primary);
}

.company-emblem svg {
  width: 34px;
  height: 34px;
}

.company-intro h2 {
  margin-bottom: 16px;
  font-size: clamp(1.45rem, 2.2vw, 2.05rem);
}

.company-intro p {
  margin-bottom: 0;
  font-size: 0.9rem;
  line-height: 1.72;
}

.company-details {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 24px 30px;
  border-left: 1px solid var(--line);
  padding-left: clamp(24px, 4vw, 56px);
}

.company-detail {
  display: grid;
  align-content: start;
  gap: 6px;
}

.company-detail span {
  color: var(--muted);
  font-size: 0.7rem;
  font-weight: 800;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.company-detail strong,
.company-detail a,
.company-detail address {
  color: var(--ink);
  font-size: 0.9rem;
  font-weight: 700;
  line-height: 1.6;
}

.company-detail a {
  color: var(--primary);
  overflow-wrap: anywhere;
  transition: color 180ms ease;
}

.company-detail a:hover {
  color: var(--primary-dark);
}

.company-address {
  grid-column: 1 / -1;
}

.regulatory-note {
  max-width: 980px;
  margin: 24px auto 0;
  color: var(--muted-light);
  font-size: 0.72rem;
  line-height: 1.7;
  text-align: center;
}

/* ----- Contact ----- */
.contact-section {
  padding-top: 0;
  background: linear-gradient(180deg, #fbfcff 0%, #fff 100%);
}

.contact-shell {
  position: relative;
  display: grid;
  align-items: center;
  grid-template-columns: minmax(0, 0.8fr) minmax(0, 1.2fr);
  gap: clamp(34px, 6vw, 80px);
  border-radius: var(--radius-xl);
  background: radial-gradient(
      circle at 92% 18%,
      rgba(248, 89, 89, 0.12),
      transparent 28%
    ),
    linear-gradient(135deg, var(--accent) 0%, #fff5e9 100%);
  padding: clamp(30px, 5vw, 64px);
  overflow: hidden;
}

.contact-shell::after {
  position: absolute;
  right: -85px;
  bottom: -120px;
  width: 260px;
  height: 260px;
  border: 1px solid rgba(35, 76, 217, 0.12);
  border-radius: 50%;
  content: "";
}

.contact-copy {
  position: relative;
  z-index: 1;
}

.contact-copy h2 {
  margin-bottom: 18px;
}

.contact-copy p {
  max-width: 480px;
  margin-bottom: 0;
  color: #5d4e3d;
  font-size: 0.95rem;
  line-height: 1.75;
}

.contact-cards {
  position: relative;
  z-index: 1;
  display: grid;
  gap: 14px;
}

.contact-card {
  display: grid;
  align-items: center;
  grid-template-columns: auto minmax(0, 1fr) auto;
  gap: 15px;
  border: 1px solid rgba(255, 255, 255, 0.84);
  border-radius: 20px;
  background: rgba(255, 255, 255, 0.82);
  padding: 18px;
  box-shadow: 0 16px 34px rgba(86, 62, 28, 0.08);
  backdrop-filter: blur(12px);
  transition:
    transform 260ms var(--ease),
    box-shadow 260ms var(--ease),
    border-color 260ms ease;
}

.contact-card:hover {
  transform: translateY(-5px);
  border-color: rgba(35, 76, 217, 0.2);
  box-shadow: 0 22px 45px rgba(86, 62, 28, 0.12);
}

.contact-icon {
  display: grid;
  width: 50px;
  height: 50px;
  place-items: center;
  border-radius: 15px;
  background: var(--primary-soft);
  color: var(--primary);
}

.contact-icon svg {
  width: 26px;
  height: 26px;
}

.contact-card small,
.contact-card strong {
  display: block;
}

.contact-card small {
  margin-bottom: 3px;
  color: var(--muted);
  font-size: 0.72rem;
}

.contact-card strong {
  color: var(--ink);
  font-size: 0.9rem;
  overflow-wrap: anywhere;
}

.contact-arrow {
  color: var(--primary);
  font-size: 1.35rem;
  transition: transform 240ms var(--ease);
}

.contact-card:hover .contact-arrow {
  transform: translateX(4px);
}

/* ----- Footer ----- */
.site-footer {
  position: relative;
  overflow: hidden;
  background: radial-gradient(
      circle at 12% 0%,
      rgba(35, 76, 217, 0.22),
      transparent 30%
    ),
    radial-gradient(circle at 92% 100%, rgba(89, 47, 203, 0.2), transparent 28%),
    var(--footer);
  color: #fff;
  padding-top: clamp(64px, 8vw, 96px);
}

.site-footer-compact {
  padding-top: 0;
  background: var(--footer);
}

.site-footer-compact::before {
  display: none;
}

.site-footer::before {
  position: absolute;
  inset: 0;
  background-image: linear-gradient(
      rgba(255, 255, 255, 0.025) 1px,
      transparent 1px
    ),
    linear-gradient(90deg, rgba(255, 255, 255, 0.025) 1px, transparent 1px);
  background-size: 48px 48px;
  content: "";
  mask-image: linear-gradient(to bottom, rgba(0, 0, 0, 0.55), transparent 70%);
  pointer-events: none;
}

.footer-grid {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: minmax(0, 1.35fr) minmax(0, 0.8fr) minmax(0, 1fr);
  gap: clamp(28px, 4vw, 56px);
  padding-bottom: 56px;
}

.brand-light .brand-copy strong {
  color: #fff;
}

.brand-light .brand-copy small {
  color: var(--footer-soft);
}

.brand-light .brand-logo {
  height: 48px;
  max-width: min(100%, 260px);
}

.footer-brand p {
  max-width: 360px;
  margin: 22px 0 0;
  color: var(--footer-soft);
  font-size: 0.85rem;
  line-height: 1.72;
}

.footer-column h2 {
  margin-bottom: 18px;
  color: #fff;
  font-family: "Inter", sans-serif;
  font-size: 0.78rem;
  font-weight: 800;
  letter-spacing: 0.12em;
  text-transform: uppercase;
}

.footer-column ul {
  display: grid;
  gap: 10px;
}

.footer-column a,
.footer-link {
  background: transparent;
  padding: 0;
  color: var(--footer-soft);
  cursor: pointer;
  font-size: 0.85rem;
  text-align: left;
  transition:
    color 200ms ease,
    transform 200ms ease;
}

.footer-column a:hover,
.footer-link:hover {
  color: #fff;
}

.footer-contact {
  display: grid;
  align-content: start;
  justify-items: start;
  gap: 12px;
}

.footer-contact h2 {
  margin-bottom: 6px;
}

.footer-contact address {
  margin-top: 7px;
  color: var(--footer-soft);
  font-size: 0.82rem;
  line-height: 1.66;
}

.footer-bottom {
  position: relative;
  z-index: 1;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  padding-block: 22px 26px;
}

.footer-bottom p {
  margin-bottom: 0;
  color: #8492ad;
  font-size: 0.72rem;
}

.site-footer-compact .footer-bottom {
  justify-content: center;
  border-top: 0;
  padding-block: 22px;
  text-align: center;
}

/* ----- Legal dialog ----- */
.legal-dialog {
  width: min(calc(100% - 32px), 680px);
  max-height: min(84vh, 760px);
  border: 1px solid var(--line);
  border-radius: 24px;
  background: #fff;
  padding: 0;
  color: var(--ink);
  box-shadow: 0 36px 90px rgba(16, 24, 40, 0.28);
  overflow: auto;
}

.legal-dialog::backdrop {
  background: rgba(7, 17, 39, 0.62);
  backdrop-filter: blur(5px);
}

.dialog-header {
  position: sticky;
  top: 0;
  z-index: 2;
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 20px;
  border-bottom: 1px solid var(--line);
  background: rgba(255, 255, 255, 0.96);
  padding: 24px 28px 20px;
  backdrop-filter: blur(12px);
}

.dialog-header h2 {
  margin-bottom: 0;
  font-size: 1.55rem;
}

.dialog-close {
  display: grid;
  width: 40px;
  height: 40px;
  flex: 0 0 auto;
  place-items: center;
  border-radius: 12px;
  background: var(--surface-alt);
  color: var(--ink-soft);
  cursor: pointer;
  transition:
    background-color 180ms ease,
    color 180ms ease;
}

.dialog-close:hover {
  background: var(--primary-soft);
  color: var(--primary);
}

.dialog-close svg {
  width: 21px;
  height: 21px;
}

.dialog-body {
  padding: 26px 28px 8px;
}

.dialog-body h3 {
  margin-bottom: 10px;
  font-size: 1rem;
}

.dialog-body p,
.dialog-body li {
  color: var(--ink-soft);
  font-size: 0.88rem;
  line-height: 1.75;
}

.dialog-body ul {
  display: grid;
  gap: 8px;
  margin: 0 0 22px;
}

.dialog-body li {
  position: relative;
  padding-left: 18px;
}

.dialog-body li::before {
  position: absolute;
  top: 0.7em;
  left: 0;
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--primary);
  content: "";
}

.dialog-note {
  border-radius: 14px;
  background: var(--primary-faint);
  padding: 14px 16px;
}

.dialog-footer {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  border-top: 1px solid var(--line);
  padding: 20px 28px 24px;
}

.dialog-footer p {
  margin-bottom: 0;
  font-size: 0.74rem;
  line-height: 1.6;
}

.dialog-footer p a {
  color: var(--primary);
  font-weight: 650;
}

.dialog-footer .btn {
  flex: 0 0 auto;
}

/* ----- Legal pages ----- */
.legal-hero {
  position: relative;
  overflow: hidden;
  border-bottom: 1px solid var(--line);
  padding-top: calc(var(--header-height) + clamp(44px, 6vw, 78px));
  padding-bottom: clamp(46px, 6vw, 78px);
  background: radial-gradient(
      circle at 88% 6%,
      rgba(251, 237, 218, 0.96),
      transparent 42%
    ),
    radial-gradient(
      circle at 4% 100%,
      rgba(237, 241, 255, 0.95),
      transparent 40%
    ),
    linear-gradient(180deg, #fbfcff 0%, #ffffff 100%);
}

.legal-hero-glow {
  position: absolute;
  border-radius: 50%;
  pointer-events: none;
}

.legal-hero-glow-one {
  top: 20%;
  left: -96px;
  width: 210px;
  height: 210px;
  background: rgba(35, 76, 217, 0.06);
}

.legal-hero-glow-two {
  top: 10%;
  right: 7%;
  width: 146px;
  height: 146px;
  background: rgba(248, 89, 89, 0.07);
}

.legal-hero-inner {
  position: relative;
  z-index: 1;
  max-width: 980px;
}

.legal-breadcrumb {
  margin-bottom: 24px;
}

.legal-breadcrumb ol {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 10px;
  margin: 0;
  color: var(--muted);
  font-size: 0.78rem;
  font-weight: 600;
}

.legal-breadcrumb li {
  display: flex;
  align-items: center;
  gap: 10px;
}

.legal-breadcrumb li:not(:last-child)::after {
  color: var(--line-strong);
  content: "/";
}

.legal-breadcrumb a {
  color: var(--primary);
  transition: color 180ms ease;
}

.legal-breadcrumb a:hover {
  color: var(--primary-dark);
}

.legal-breadcrumb [aria-current="page"] {
  color: var(--ink-soft);
}

.legal-hero .section-kicker {
  margin-bottom: 18px;
}

.legal-hero h1 {
  margin-bottom: 20px;
  font-size: clamp(2.35rem, 4.6vw, 3.85rem);
}

.legal-meta {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(232px, 1fr));
  gap: 16px;
  max-width: 960px;
  margin: 0;
}

.legal-meta li {
  display: flex;
  align-items: center;
  gap: 14px;
  border: 1px solid var(--line);
  border-radius: 18px;
  background: rgba(255, 255, 255, 0.82);
  padding: 15px 18px;
  box-shadow: var(--shadow-xs);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
}

.legal-meta-icon {
  display: grid;
  width: 42px;
  height: 42px;
  flex: 0 0 auto;
  place-items: center;
  border-radius: 13px;
  background: var(--primary-soft);
  color: var(--primary);
}

.legal-meta-icon svg {
  width: 22px;
  height: 22px;
}

.legal-meta li > span:last-child {
  display: grid;
  min-width: 0;
  gap: 2px;
}

.legal-meta small {
  color: var(--muted);
  font-size: 0.67rem;
  font-weight: 800;
  letter-spacing: 0.075em;
  text-transform: uppercase;
}

.legal-meta strong {
  color: var(--ink);
  font-size: 0.86rem;
  font-weight: 700;
  line-height: 1.42;
  overflow-wrap: anywhere;
}

.legal-section {
  padding-block: clamp(48px, 6vw, 80px) clamp(72px, 8vw, 112px);
  background:
    radial-gradient(circle at 10% 0%, rgba(35, 76, 217, 0.035), transparent 28rem),
    linear-gradient(180deg, #fbfcff 0%, #fff 20%, #fbfcff 100%);
}

.legal-layout {
  width: min(calc(100% - 32px), 960px);
  margin-inline: auto;
}

/* Article */
.legal-article {
  border: 1px solid rgba(228, 231, 236, 0.82);
  border-radius: 30px;
  background: #fff;
  padding: clamp(26px, 5vw, 64px);
  box-shadow:
    0 24px 70px rgba(16, 24, 40, 0.055),
    0 3px 12px rgba(16, 24, 40, 0.025);
}

.legal-block + .legal-block {
  margin-top: clamp(36px, 5vw, 56px);
  border-top: 1px solid #edf0f5;
  padding-top: clamp(32px, 4vw, 46px);
}

.legal-block h2 {
  margin-bottom: 16px;
  color: #182338;
  font-size: clamp(1.42rem, 2.2vw, 1.95rem);
  letter-spacing: -0.035em;
}

.legal-block h3 {
  margin-bottom: 9px;
  color: var(--ink);
  font-size: 1rem;
  letter-spacing: -0.015em;
}

.legal-block p {
  margin-bottom: 17px;
  color: #536078;
  font-size: 0.96rem;
  line-height: 1.85;
}

.legal-block p:last-child,
.legal-block ul:last-child {
  margin-bottom: 0;
}

.legal-list {
  display: grid;
  gap: 10px;
  margin: 0 0 18px;
}

.legal-list li {
  position: relative;
  padding-left: 32px;
  color: var(--ink-soft);
  font-size: 0.92rem;
  line-height: 1.72;
}

.legal-list li::before {
  position: absolute;
  top: 0.14em;
  left: 0;
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: var(--primary-soft)
    url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20'%3E%3Cpath d='m5.4 10.3 3.1 3.1 6.1-6.3' fill='none' stroke='%23234CD9' stroke-width='2.1' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E")
    center / 12px no-repeat;
  content: "";
}

.legal-callout {
  border: 1px solid var(--line);
  border-left: 3px solid var(--primary);
  border-radius: 16px;
  background: var(--primary-faint);
  padding: 16px 18px;
  color: var(--ink-soft);
  font-size: 0.9rem;
  line-height: 1.72;
}

/* Data collection cards */
.legal-collect-grid {
  display: grid;
  grid-template-columns: minmax(0, 1fr);
  gap: 14px;
  margin-top: 24px;
}

.legal-collect-card {
  border: 1px solid #e9edf5;
  border-radius: 18px;
  background: linear-gradient(145deg, #fff 0%, #f9faff 100%);
  padding: 21px 20px;
}

.legal-collect-icon {
  display: grid;
  width: 42px;
  height: 42px;
  margin-bottom: 16px;
  place-items: center;
  border-radius: 13px;
}

.legal-collect-icon svg {
  width: 22px;
  height: 22px;
}

.legal-collect-card h3 {
  margin-bottom: 8px;
}

.legal-collect-card p {
  margin-bottom: 0;
  font-size: 0.85rem;
  line-height: 1.72;
}

/* Licensed lending operator */
.legal-operator {
  margin: 4px 0 20px;
  border: 1px solid var(--line);
  border-radius: 22px;
  background: linear-gradient(180deg, #fff 0%, var(--primary-faint) 100%);
  padding: 24px;
}

.legal-operator-head {
  display: flex;
  align-items: center;
  gap: 14px;
  margin-bottom: 20px;
}

.legal-operator-icon {
  display: grid;
  width: 44px;
  height: 44px;
  flex: 0 0 auto;
  place-items: center;
  border-radius: 14px;
  background: var(--primary-soft);
  color: var(--primary);
}

.legal-operator-icon svg {
  width: 24px;
  height: 24px;
}

.legal-operator-head strong {
  font-size: 0.98rem;
}

.legal-operator-details {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(190px, 1fr));
  gap: 18px 26px;
  margin: 0;
}

.legal-operator-details > div {
  display: grid;
  align-content: start;
  gap: 4px;
}

.legal-operator-details dt {
  min-height: 3em;
  color: var(--muted);
  font-size: 0.67rem;
  font-weight: 800;
  letter-spacing: 0.075em;
  line-height: 1.5;
  text-transform: uppercase;
}

.legal-operator-details dd {
  margin: 0;
  color: var(--ink);
  font-size: 0.88rem;
  font-weight: 700;
  line-height: 1.6;
}

.legal-operator-address {
  grid-column: 1 / -1;
}

/* Contact details */
.legal-contact {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 14px;
  margin-top: 6px;
}

.legal-contact > div {
  display: grid;
  align-content: start;
  gap: 4px;
  border: 1px solid var(--line);
  border-radius: 16px;
  background: var(--surface-alt);
  padding: 16px 18px;
}

.legal-contact small {
  color: var(--muted);
  font-size: 0.67rem;
  font-weight: 800;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.legal-contact strong,
.legal-contact a,
.legal-contact address {
  color: var(--ink);
  font-size: 0.9rem;
  font-weight: 700;
  line-height: 1.6;
  overflow-wrap: anywhere;
}

.legal-contact a {
  color: var(--primary);
  transition: color 180ms ease;
}

.legal-contact a:hover {
  color: var(--primary-dark);
}

.legal-contact-address {
  grid-column: 1 / -1;
}

.footer-column a.is-active,
.footer-link.is-active {
  color: #fff;
  font-weight: 700;
}


/* ----- Motion ----- */
.reveal {
  opacity: 0;
  transform: translateY(28px);
  transition:
    opacity 720ms var(--ease),
    transform 720ms var(--ease);
}

.reveal.is-visible {
  opacity: 1;
  transform: translateY(0);
}

.reveal-delay-1 {
  transition-delay: 90ms;
}
.reveal-delay-2 {
  transition-delay: 180ms;
}
.reveal-delay-3 {
  transition-delay: 270ms;
}

@keyframes float-soft {
  0%,
  100% {
    transform: translateY(0) rotate(1.5deg);
  }
  50% {
    transform: translateY(-14px) rotate(1.5deg);
  }
}

@keyframes float-card {
  0%,
  100% {
    transform: translateY(0);
  }
  50% {
    transform: translateY(-9px);
  }
}

@keyframes pulse-dot {
  0%,
  100% {
    box-shadow: 0 0 0 6px rgba(18, 183, 106, 0.1);
  }
  50% {
    box-shadow: 0 0 0 11px rgba(18, 183, 106, 0.02);
  }
}

/* ----- Responsive: tablet ----- */
@media (max-width: 1199px) {
  :root {
    --header-height: 76px;
  }

  .container {
    width: min(calc(100% - 32px), 1040px);
  }

  .nav-list {
    gap: 0;
  }

  .nav-link {
    padding-inline: 9px;
    font-size: 0.81rem;
  }

  .hero-grid {
    gap: 36px;
  }

  .hero h1 {
    font-size: clamp(2.75rem, 5.5vw, 4.3rem);
  }

  .hero-visual {
    min-height: 0;
  }

  .hero-app-image {
    width: min(100%, 336px);
  }

  .floating-card-sec {
    left: -130px;
  }

  .floating-card-secure {
    right: -18px;
  }

  .trust-grid,
  .feature-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .trust-card {
    min-height: 225px;
  }

  .feature-card {
    min-height: 250px;
  }

  .feature-icon {
    margin-bottom: 38px;
  }

  .step-icon {
    margin-bottom: 40px;
  }

  .responsibility-card,
  .security-layout,
  .company-card,
  .contact-shell {
    gap: 36px;
  }

  .company-card {
    grid-template-columns: 1fr;
  }

  .company-details {
    border-top: 1px solid var(--line);
    border-left: 0;
    padding-top: 32px;
    padding-left: 0;
  }

  .footer-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 38px 40px;
  }

  .footer-brand {
    grid-column: 1 / -1;
  }

}

/* ----- Responsive: mobile navigation ----- */
@media (max-width: 980px) {
  .nav-toggle {
    display: flex;
  }

  .main-nav {
    position: fixed;
    top: var(--header-height);
    right: 0;
    left: 0;
    display: grid;
    min-height: calc(100vh - var(--header-height));
    min-height: calc(100dvh - var(--header-height));
    max-height: calc(100vh - var(--header-height));
    max-height: calc(100dvh - var(--header-height));
    gap: 18px;
    border-top: 1px solid var(--line);
    background: #fff;
    padding: 18px 16px 26px;
    box-shadow: 0 24px 48px rgba(16, 24, 40, 0.13);
    overflow-y: auto;
    transform: translateY(-120%);
    visibility: hidden;
    opacity: 0;
    transition:
      transform 320ms var(--ease),
      opacity 240ms ease,
      visibility 240ms ease;
  }

  .main-nav.is-open {
    transform: translateY(0);
    visibility: visible;
    opacity: 1;
  }

  .nav-list {
    display: grid;
    gap: 3px;
  }

  .nav-link {
    border-radius: 12px;
    padding: 13px 14px;
    font-size: 0.94rem;
  }

  .nav-link::after {
    display: none;
  }

  .btn-nav {
    width: 100%;
    min-height: 50px;
  }

  .nav-toggle[aria-expanded="true"] span:nth-child(1) {
    transform: translateY(7px) rotate(45deg);
  }

  .nav-toggle[aria-expanded="true"] span:nth-child(2) {
    opacity: 0;
  }

  .nav-toggle[aria-expanded="true"] span:nth-child(3) {
    transform: translateY(-7px) rotate(-45deg);
  }

  .hero-grid {
    grid-template-columns: 1fr;
  }

  .hero-copy {
    max-width: 780px;
  }

  .hero-visual {
    min-height: 0;
  }

  .security-layout {
    grid-template-columns: 1fr;
  }

  .security-copy > p {
    max-width: 700px;
  }

  .responsibility-card,
  .contact-shell {
    grid-template-columns: 1fr;
  }
}

/* ----- Responsive: mobile ----- */
@media (max-width: 767px) {
  :root {
    --header-height: 70px;
    --section-space: 74px;
  }

  .container {
    width: min(calc(100% - 28px), 640px);
  }

  .brand-logo {
    height: 38px;
    max-width: min(100%, 190px);
  }

  .brand-copy strong {
    font-size: 0.94rem;
  }

  .brand-copy small {
    display: none;
  }

  .hero {
    padding-top: calc(var(--header-height) + 52px);
    padding-bottom: 76px;
  }

  .hero::after {
    display: none;
  }

  .eyebrow {
    align-items: flex-start;
    border-radius: 16px;
    font-size: 0.7rem;
    line-height: 1.35;
  }

  .hero h1 {
    font-size: clamp(2.55rem, 12vw, 3.7rem);
    letter-spacing: -0.055em;
  }

  .hero-lead {
    font-size: 0.96rem;
    line-height: 1.72;
  }

  .hero-actions {
    display: grid;
    grid-template-columns: 1fr;
  }

  .hero-actions .btn {
    width: 100%;
  }

  .hero-assurance {
    display: grid;
    gap: 10px;
  }

  .hero-visual {
    min-height: 0;
    margin-top: 4px;
  }

  .hero-app-image {
    width: min(100%, 292px);
  }

  .floating-card {
    padding: 9px 10px;
    border-radius: 13px;
  }

  .floating-card strong {
    font-size: 0.61rem;
  }

  .floating-card small {
    font-size: 0.49rem;
  }

  .floating-icon {
    width: 28px;
    height: 28px;
    border-radius: 9px;
  }

  .floating-icon svg {
    width: 17px;
    height: 17px;
  }

  .floating-card-sec {
    top: 12%;
    left: -8px;
  }

  .floating-card-secure {
    right: -8px;
    bottom: 23%;
  }

  .floating-card-online {
    bottom: -14px;
    left: 2px;
  }

  .floating-card-secure {
    display: none;
  }

  .trust-grid,
  .feature-grid {
    grid-template-columns: 1fr;
  }

  .trust-card {
    min-height: auto;
  }

  .trust-icon {
    margin-bottom: 42px;
  }

  .feature-card {
    min-height: auto;
  }

  .feature-icon {
    margin-bottom: 34px;
  }

  .process-list {
    grid-template-columns: 1fr;
    gap: 16px;
  }

  .process-list::before {
    top: 0;
    bottom: 0;
    left: 39px;
    width: 1px;
    height: auto;
    background: linear-gradient(
      180deg,
      rgba(35, 76, 217, 0.05),
      rgba(35, 76, 217, 0.25),
      rgba(248, 89, 89, 0.18)
    );
  }

  .process-step {
    padding: 22px 20px 22px 84px;
  }

  .step-icon {
    position: absolute;
    top: 24px;
    left: 10px;
    width: 58px;
    height: 58px;
    margin: 0;
    border-width: 5px;
  }

  .step-icon svg {
    width: 28px;
    height: 28px;
  }

  .step-number {
    top: 20px;
    right: 18px;
  }

  .responsibility-card {
    border-radius: 24px;
    padding: 24px;
  }

  .responsibility-panel {
    padding: 22px;
  }

  .security-feature {
    align-items: flex-start;
  }

  .security-feature:hover {
    transform: translateY(-5px);
  }

  .company-card {
    border-radius: 24px;
    padding: 24px;
  }

  .company-intro {
    display: block;
  }

  .company-emblem {
    margin-bottom: 18px;
  }

  .company-details {
    grid-template-columns: 1fr;
  }

  .company-address {
    grid-column: auto;
  }

  .contact-shell {
    border-radius: 24px;
    padding: 26px 22px;
  }

  .contact-card {
    grid-template-columns: auto minmax(0, 1fr);
  }

  .contact-arrow {
    display: none;
  }

  .footer-grid {
    gap: 34px 24px;
  }

  .footer-bottom {
    display: grid;
    gap: 10px;
  }

  .legal-dialog {
    max-height: 88vh;
    border-radius: 20px;
  }

  .dialog-header,
  .dialog-body,
  .dialog-footer {
    padding-right: 20px;
    padding-left: 20px;
  }

  .dialog-footer {
    display: grid;
  }

  .dialog-footer .btn {
    width: 100%;
  }

  .legal-hero {
    padding-top: calc(var(--header-height) + 38px);
  }

  .legal-breadcrumb {
    margin-bottom: 20px;
  }

  .legal-meta {
    grid-template-columns: 1fr;
  }

  .legal-article {
    border-radius: 24px;
  }

  .legal-block + .legal-block {
    margin-top: 34px;
    padding-top: 34px;
  }

  .legal-collect-grid,
  .legal-contact,
  .legal-operator-details {
    grid-template-columns: 1fr;
  }

  .legal-operator {
    padding: 20px;
  }

  .legal-operator-details dt {
    min-height: 0;
  }

  .legal-operator-head {
    align-items: flex-start;
  }

}

/* ----- Reduced motion ----- */
@media (prefers-reduced-motion: reduce) {
  html {
    scroll-behavior: auto;
  }

  *,
  *::before,
  *::after {
    scroll-behavior: auto !important;
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
  }

  .reveal {
    opacity: 1;
    transform: none;
  }
}