/* =========================================================
   Altvest.app — trade-finance marketplace
   Brand: Finex navy + gold, light-first corporate
   ---------------------------------------------------------
   BRAND TOKENS. If the hexes in your Finex logo file differ,
   change only the six values marked ◄ and the whole site
   follows.
   ========================================================= */

:root{
  /* Brand ◄ */
  --navy-900:#0B2545;      /* ◄ deepest navy — hero, footer   */
  --navy-700:#123B6D;      /* ◄ mid navy — gradients, hovers  */
  --navy-500:#1C4E8A;      /* ◄ link/interactive navy         */
  --gold:#C79A2E;          /* ◄ brand gold — text-safe        */
  --gold-bright:#E4B23A;   /* ◄ brand gold — buttons, fills   */
  --gold-soft:#F6EBCF;     /* ◄ gold tint — chips, washes     */

  /* Light surfaces */
  --bg:#FFFFFF;
  --bg-alt:#F4F7FB;
  --line:#E3E9F1;
  --line-strong:#CBD6E4;

  /* Type on light */
  --ink:#152A42;
  --ink-dim:#4E6379;
  --ink-mute:#7C8DA1;

  /* Type on navy */
  --lt:#EDF3FA;
  --lt-dim:#AEC1D8;
  --lt-mute:#7E97B4;
  --nline:rgba(237,243,250,.16);
  --nline-strong:rgba(237,243,250,.3);

  /* Paper (calculator card) */
  --paper:#FBF8F1;
  --paper-2:#F1ECDF;
  --paper-ink:#1A2B40;
  --paper-dim:#5E6C7E;

  /* Signals */
  --green:#1D8A5B;
  --green-soft:#E4F4EC;
  --red:#C4472F;
  --red-soft:#FBEDE9;

  /* Structure */
  --wrap:1200px;
  --gutter:clamp(20px,4vw,40px);
  --r-sm:5px;
  --r-md:10px;
  --r-lg:16px;
  --shadow:0 1px 2px rgba(11,37,69,.05),0 8px 24px -12px rgba(11,37,69,.12);
  --shadow-lift:0 2px 4px rgba(11,37,69,.06),0 18px 40px -16px rgba(11,37,69,.2);

  /* Type */
  --display:'Sora',system-ui,sans-serif;
  --body:'Inter',system-ui,sans-serif;
  --mono:'IBM Plex Mono',ui-monospace,monospace;

  --ease:cubic-bezier(.22,.61,.36,1);
}

*,*::before,*::after{box-sizing:border-box}

html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}

body{
  margin:0;
  background:var(--bg);
  color:var(--ink);
  font-family:var(--body);
  font-size:16.5px;
  line-height:1.62;
  -webkit-font-smoothing:antialiased;
  overflow-x:hidden;
}

img,svg{display:block;max-width:100%}
a{color:inherit;text-decoration:none}

h1,h2,h3,h4{
  font-family:var(--display);
  font-weight:700;
  letter-spacing:-.022em;
  line-height:1.12;
  margin:0;
  color:var(--navy-900);
  text-wrap:balance;
}
h1{font-size:clamp(2.1rem,4vw,3.35rem)}
h2{font-size:clamp(1.7rem,3.2vw,2.5rem)}
h3{font-size:clamp(1.1rem,1.6vw,1.3rem);letter-spacing:-.012em}
p{margin:0}

::selection{background:var(--gold-bright);color:var(--navy-900)}

:focus-visible{
  outline:2px solid var(--navy-500);
  outline-offset:3px;
  border-radius:2px;
}

/* ---------- Layout primitives ---------- */
.wrap{width:100%;max-width:var(--wrap);margin-inline:auto;padding-inline:var(--gutter)}
.sec{padding-block:clamp(60px,7.5vw,108px)}
.sec.is-tight{padding-block:clamp(40px,5vw,64px)}
.sec.is-alt{background:var(--bg-alt);border-block:1px solid var(--line)}

.lede{
  font-size:clamp(1rem,1.4vw,1.16rem);
  color:var(--ink-dim);
  max-width:60ch;
  text-wrap:pretty;
}

.eyebrow{
  font-family:var(--body);
  font-weight:600;
  font-size:.74rem;
  letter-spacing:.15em;
  text-transform:uppercase;
  color:var(--gold);
  display:flex;
  align-items:center;
  gap:10px;
  margin-bottom:16px;
}
.eyebrow::before{
  content:"";
  width:24px;height:2px;
  background:var(--gold-bright);
  border-radius:1px;
  flex:none;
}

.sec-head{max-width:66ch;margin-bottom:clamp(30px,4vw,50px)}
.sec-head p{margin-top:14px}

.mono{font-family:var(--mono);font-variant-numeric:tabular-nums}
.num{font-variant-numeric:tabular-nums}

/* ---------- Buttons ---------- */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:9px;
  font-family:var(--body);
  font-weight:600;font-size:.94rem;
  padding:13px 24px;
  border-radius:var(--r-sm);
  border:1px solid transparent;
  cursor:pointer;
  transition:transform .18s var(--ease),background .18s var(--ease),border-color .18s var(--ease),color .18s var(--ease),box-shadow .18s var(--ease);
  white-space:nowrap;
}
.btn:hover{transform:translateY(-1px)}
.btn:active{transform:translateY(0)}
.btn-primary{
  background:var(--gold-bright);color:var(--navy-900);
  box-shadow:0 1px 2px rgba(11,37,69,.15);
}
.btn-primary:hover{background:#EFBE47;box-shadow:0 4px 14px -4px rgba(196,154,46,.55)}
.btn-ghost{border-color:var(--line-strong);color:var(--navy-900);background:var(--bg)}
.btn-ghost:hover{border-color:var(--navy-500);color:var(--navy-500)}
.btn-navy{background:var(--navy-900);color:#fff}
.btn-navy:hover{background:var(--navy-700)}
.btn-sm{padding:9px 16px;font-size:.86rem}
.btn-block{width:100%}
.btn[disabled]{opacity:.5;pointer-events:none}

.arrow{transition:transform .2s var(--ease)}
.btn:hover .arrow{transform:translateX(3px)}

/* ---------- Ticker bar ---------- */
.ticker{
  background:var(--navy-900);
  font-family:var(--mono);
  font-size:.72rem;
  letter-spacing:.03em;
  color:var(--lt-dim);
  overflow:hidden;
}
.ticker-in{
  display:flex;align-items:center;gap:26px;
  height:36px;
  white-space:nowrap;
  overflow-x:auto;
  scrollbar-width:none;
}
.ticker-in::-webkit-scrollbar{display:none}
@media (max-width:820px){
  .ticker{-webkit-mask:linear-gradient(90deg,#000 84%,transparent);mask:linear-gradient(90deg,#000 84%,transparent)}
}
.ticker b{color:#fff;font-weight:500}
.pulse{
  width:6px;height:6px;border-radius:50%;
  background:var(--gold-bright);
  flex:none;
  box-shadow:0 0 0 0 rgba(228,178,58,.55);
  animation:pulse 2.4s infinite;
}
@keyframes pulse{
  70%{box-shadow:0 0 0 7px rgba(228,178,58,0)}
  100%{box-shadow:0 0 0 0 rgba(228,178,58,0)}
}

/* ---------- Header ---------- */
.hdr{
  position:sticky;top:0;z-index:60;
  background:rgba(255,255,255,.92);
  backdrop-filter:blur(12px) saturate(140%);
  border-bottom:1px solid var(--line);
}
.hdr-in{display:flex;align-items:center;gap:18px;height:68px}
.brand{display:flex;align-items:center;gap:10px;font-family:var(--display);font-weight:700;font-size:1.18rem;letter-spacing:-.03em;color:var(--navy-900)}
.brand small{
  font-family:var(--body);font-size:.58rem;font-weight:600;
  letter-spacing:.13em;color:var(--gold);text-transform:uppercase;
  border:1px solid var(--gold-soft);padding:3px 6px;border-radius:3px;
  background:var(--gold-soft);
}
.nav{display:flex;align-items:center;gap:2px;margin-left:auto}
.nav a{
  font-size:.92rem;font-weight:500;color:var(--ink-dim);padding:8px 13px;border-radius:var(--r-sm);
  transition:color .16s var(--ease),background .16s var(--ease);
}
.nav a:hover{color:var(--navy-900);background:var(--bg-alt)}
.nav a.is-on{color:var(--navy-500)}
.hdr-cta{display:flex;gap:9px;margin-left:14px}
.m-cta{display:none}
.burger{
  display:none;margin-left:auto;background:none;border:1px solid var(--line-strong);
  color:var(--navy-900);width:40px;height:38px;border-radius:var(--r-sm);cursor:pointer;
  align-items:center;justify-content:center;
}
@media (max-width:1000px){
  .nav,.hdr-cta{display:none}
  .burger{display:flex}
  .nav.is-open{
    display:flex;flex-direction:column;align-items:stretch;
    position:absolute;top:68px;left:0;right:0;
    background:#fff;border-bottom:1px solid var(--line);
    box-shadow:var(--shadow-lift);
    padding:12px var(--gutter) 20px;gap:2px;margin:0;
  }
  .nav.is-open a{padding:12px 4px;font-size:1rem;border-bottom:1px solid var(--line)}
  .nav.is-open .m-cta{display:block;margin-top:14px;border:0}
}

/* ---------- Hero (navy) ---------- */
.hero{
  position:relative;
  padding-block:clamp(52px,6vw,88px) clamp(56px,7vw,96px);
  overflow:hidden;
  background:
    radial-gradient(70% 90% at 85% -10%,rgba(28,78,138,.55),transparent 60%),
    radial-gradient(50% 60% at 10% 110%,rgba(199,154,46,.14),transparent 65%),
    var(--navy-900);
}
.hero-grid{
  display:grid;grid-template-columns:1.06fr .94fr;
  gap:clamp(34px,5vw,64px);align-items:center;position:relative;
}
@media (max-width:940px){.hero-grid{grid-template-columns:1fr}}

.hero h1{color:#fff}
.hero h1 .hl{color:var(--gold-bright);white-space:nowrap}
.hero .lede{color:var(--lt-dim);margin-top:22px}
.hero .eyebrow{color:var(--gold-bright)}
.hero-cta{display:flex;flex-wrap:wrap;gap:12px;margin-top:30px}
.hero .btn-ghost{background:transparent;border-color:var(--nline-strong);color:var(--lt)}
.hero .btn-ghost:hover{border-color:var(--gold-bright);color:var(--gold-bright)}

.trust{
  display:flex;flex-wrap:wrap;gap:8px 10px;margin-top:30px;
  padding-top:24px;border-top:1px solid var(--nline);
}
.chip{
  font-size:.72rem;font-weight:500;letter-spacing:.05em;text-transform:uppercase;
  color:var(--lt-dim);border:1px solid var(--nline);border-radius:100px;padding:5px 12px;
}
.chip.is-on{color:var(--navy-900);border-color:var(--gold-bright);background:var(--gold-bright);font-weight:600}

/* ---------- Paper instrument (signature) ---------- */
.paper-card{
  background:var(--paper);
  color:var(--paper-ink);
  border-radius:var(--r-md);
  padding:26px clamp(20px,3vw,30px) 30px;
  box-shadow:0 30px 70px -30px rgba(2,10,22,.65),0 2px 0 rgba(255,255,255,.08);
  position:relative;
  --perf:9px;
  -webkit-mask:
    radial-gradient(var(--perf) at 50% 0,transparent 96%,#000) 0 0/22px var(--perf) repeat-x,
    radial-gradient(var(--perf) at 50% 100%,transparent 96%,#000) 0 100%/22px var(--perf) repeat-x,
    linear-gradient(#000,#000) 0 var(--perf)/100% calc(100% - var(--perf)*2) no-repeat;
  mask:
    radial-gradient(var(--perf) at 50% 0,transparent 96%,#000) 0 0/22px var(--perf) repeat-x,
    radial-gradient(var(--perf) at 50% 100%,transparent 96%,#000) 0 100%/22px var(--perf) repeat-x,
    linear-gradient(#000,#000) 0 var(--perf)/100% calc(100% - var(--perf)*2) no-repeat;
}
.pc-top{
  display:flex;justify-content:space-between;align-items:flex-start;gap:16px;
  padding-bottom:16px;border-bottom:1px dashed rgba(26,43,64,.28);
}
.pc-title{font-family:var(--display);font-weight:700;font-size:1.02rem;letter-spacing:-.02em;color:var(--paper-ink)}
.pc-sub{font-size:.66rem;font-weight:600;letter-spacing:.11em;text-transform:uppercase;color:var(--paper-dim);margin-top:4px}
.stamp{
  font-family:var(--mono);font-size:.6rem;font-weight:600;letter-spacing:.14em;text-transform:uppercase;
  color:var(--gold);border:1.5px solid var(--gold);border-radius:3px;
  padding:5px 8px;transform:rotate(-3deg);opacity:.95;flex:none;
}

.field{margin-top:20px}
.field-lbl{
  display:flex;justify-content:space-between;align-items:baseline;gap:12px;
  font-size:.66rem;font-weight:600;letter-spacing:.11em;text-transform:uppercase;color:var(--paper-dim);
}
.field-val{font-family:var(--mono);font-size:1.02rem;color:var(--navy-900);font-variant-numeric:tabular-nums}

input[type=range]{
  -webkit-appearance:none;appearance:none;width:100%;height:26px;background:transparent;margin-top:6px;cursor:pointer;
}
input[type=range]::-webkit-slider-runnable-track{height:3px;border-radius:2px;
  background:linear-gradient(90deg,var(--gold-bright) 0 var(--fill,30%),rgba(26,43,64,.18) var(--fill,30%) 100%)}
input[type=range]::-moz-range-track{height:3px;border-radius:2px;
  background:linear-gradient(90deg,var(--gold-bright) 0 var(--fill,30%),rgba(26,43,64,.18) var(--fill,30%) 100%)}
input[type=range]::-webkit-slider-thumb{
  -webkit-appearance:none;width:19px;height:19px;border-radius:50%;
  background:var(--navy-900);border:4px solid var(--gold-bright);margin-top:-8px;
  transition:transform .15s var(--ease);
}
input[type=range]::-moz-range-thumb{
  width:19px;height:19px;border-radius:50%;border:4px solid var(--gold-bright);
  background:var(--navy-900);
}
input[type=range]:hover::-webkit-slider-thumb{transform:scale(1.12)}

.seg{display:grid;grid-template-columns:repeat(4,1fr);gap:6px;margin-top:8px}
.seg button{
  font-family:var(--mono);font-size:.78rem;padding:9px 4px;cursor:pointer;
  background:transparent;border:1px solid rgba(26,43,64,.22);border-radius:var(--r-sm);
  color:var(--paper-dim);transition:all .16s var(--ease);
}
.seg button:hover{border-color:rgba(26,43,64,.5);color:var(--paper-ink)}
.seg button[aria-pressed=true]{background:var(--navy-900);border-color:var(--navy-900);color:#fff}

.flow{margin-top:24px;padding-top:20px;border-top:1px dashed rgba(26,43,64,.28)}
.flow-bar{
  height:38px;border-radius:var(--r-sm);overflow:hidden;display:flex;
  background:var(--paper-2);border:1px solid rgba(26,43,64,.14);
}
.flow-seg{
  display:flex;align-items:center;padding-inline:11px;
  font-family:var(--mono);font-size:.68rem;letter-spacing:.05em;white-space:nowrap;overflow:hidden;
  transition:width .5s var(--ease);
}
.flow-a{background:var(--gold-bright);color:var(--navy-900);min-width:84px;font-weight:500}
.flow-b{background:transparent;color:var(--paper-dim);justify-content:flex-end}
.flow-legend{
  display:flex;justify-content:space-between;gap:12px;margin-top:10px;
  font-family:var(--mono);font-size:.68rem;color:var(--paper-dim);
}

.payout{
  display:grid;grid-template-columns:1fr 1fr;gap:1px;margin-top:20px;
  background:rgba(26,43,64,.14);border:1px solid rgba(26,43,64,.14);border-radius:var(--r-sm);overflow:hidden;
}
@media (max-width:430px){.payout{grid-template-columns:1fr}}
.payout div{background:var(--paper);padding:13px 14px}
.payout .k{font-size:.62rem;font-weight:600;letter-spacing:.1em;text-transform:uppercase;color:var(--paper-dim)}
.payout .v{font-family:var(--display);font-weight:700;font-size:1.32rem;letter-spacing:-.025em;margin-top:3px;font-variant-numeric:tabular-nums;color:var(--navy-900)}
.payout .v.is-gain{color:var(--gold)}
.payout .sub{font-family:var(--mono);font-size:.66rem;color:var(--paper-dim);margin-top:5px}
.pc-note{font-size:.74rem;line-height:1.5;color:var(--paper-dim);margin-top:14px}

/* ---------- Stats strip ---------- */
.stats{
  display:grid;grid-template-columns:repeat(4,1fr);gap:1px;
  background:var(--line);border:1px solid var(--line);border-radius:var(--r-md);overflow:hidden;
  box-shadow:var(--shadow);
}
@media (max-width:760px){.stats{grid-template-columns:repeat(2,1fr)}}
.stat{background:#fff;padding:26px 22px}
.stat .v{font-family:var(--display);font-weight:700;font-size:clamp(1.55rem,2.8vw,2.2rem);letter-spacing:-.03em;font-variant-numeric:tabular-nums;color:var(--navy-900)}
.stat .k{font-size:.68rem;font-weight:600;letter-spacing:.11em;text-transform:uppercase;color:var(--ink-mute);margin-top:7px}

/* ---------- Ledger steps ---------- */
.ledger{border-top:1px solid var(--line)}
.step{
  display:grid;grid-template-columns:64px 1.1fr 1.5fr;gap:clamp(16px,3vw,40px);
  padding:clamp(22px,3vw,32px) 0;border-bottom:1px solid var(--line);
  align-items:start;transition:background .2s var(--ease);
}
.step:hover{background:rgba(228,178,58,.05)}
@media (max-width:760px){.step{grid-template-columns:44px 1fr;gap:14px}.step .step-body{grid-column:2}}
.step-n{font-family:var(--mono);font-size:.82rem;color:var(--gold);padding-top:5px;font-weight:500}
.step-body{color:var(--ink-dim);font-size:.98rem}
.step-meta{
  display:flex;flex-wrap:wrap;gap:6px;margin-top:12px;
  font-size:.64rem;font-weight:600;letter-spacing:.07em;text-transform:uppercase;color:var(--ink-mute);
}
.step-meta span{border:1px solid var(--line);background:var(--bg-alt);padding:3px 9px;border-radius:3px}

/* ---------- Deal cards ---------- */
.deal-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(320px,1fr));gap:16px}
.deal{
  background:#fff;border:1px solid var(--line);border-radius:var(--r-md);
  padding:20px;display:flex;flex-direction:column;gap:15px;
  box-shadow:var(--shadow);
  transition:border-color .2s var(--ease),transform .2s var(--ease),box-shadow .2s var(--ease);
  text-align:left;font-family:inherit;font-size:inherit;color:inherit;cursor:pointer;
}
.deal:hover{border-color:var(--navy-500);transform:translateY(-3px);box-shadow:var(--shadow-lift)}
.deal-top{display:flex;justify-content:space-between;align-items:flex-start;gap:12px}
.deal-code{font-family:var(--mono);font-size:.66rem;letter-spacing:.1em;color:var(--ink-mute)}
.deal-name{
  display:block;font-family:var(--display);font-weight:700;font-size:1.04rem;
  letter-spacing:-.012em;line-height:1.28;margin-top:7px;min-height:2.56em;color:var(--navy-900);
}
.deal-tag{
  font-size:.62rem;font-weight:600;letter-spacing:.09em;text-transform:uppercase;
  padding:4px 9px;border-radius:3px;flex:none;
  background:var(--gold-soft);color:var(--gold);border:1px solid #EBD9A8;
}
.deal-tag.is-open{background:var(--green-soft);color:var(--green);border-color:#BFE5D2}
.deal-tag.is-full{background:var(--bg-alt);color:var(--ink-mute);border-color:var(--line)}
.deal-nums{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;padding-block:14px;border-block:1px solid var(--line)}
.deal-nums .k{font-size:.6rem;font-weight:600;letter-spacing:.09em;text-transform:uppercase;color:var(--ink-mute)}
.deal-nums .v{font-family:var(--display);font-weight:700;font-size:1.16rem;letter-spacing:-.025em;margin-top:3px;font-variant-numeric:tabular-nums;color:var(--navy-900)}
.deal-nums .v.is-rate{color:var(--gold)}
.bar{height:6px;border-radius:3px;background:var(--bg-alt);border:1px solid var(--line);overflow:hidden}
.bar i{display:block;height:100%;background:linear-gradient(90deg,var(--gold),var(--gold-bright));border-radius:3px;transition:width .8s var(--ease)}
.deal-foot{display:flex;justify-content:space-between;gap:10px;font-family:var(--mono);font-size:.7rem;color:var(--ink-dim);margin-top:9px}
.deal-sec{display:flex;flex-wrap:wrap;gap:6px}
.deal-sec span{font-size:.66rem;font-weight:500;color:var(--ink-dim);border:1px solid var(--line);background:var(--bg-alt);padding:3px 8px;border-radius:3px}

/* ---------- Filters ---------- */
.filters{display:flex;flex-wrap:wrap;gap:8px;align-items:center;margin-bottom:22px}
.filters .lbl{font-size:.66rem;font-weight:600;letter-spacing:.11em;text-transform:uppercase;color:var(--ink-mute);margin-right:4px}
.fchip{
  font-family:var(--body);font-size:.8rem;font-weight:500;padding:7px 14px;border-radius:100px;cursor:pointer;
  background:#fff;border:1px solid var(--line-strong);color:var(--ink-dim);
  transition:all .16s var(--ease);
}
.fchip:hover{border-color:var(--navy-500);color:var(--navy-500)}
.fchip[aria-pressed=true]{background:var(--navy-900);border-color:var(--navy-900);color:#fff}

/* ---------- Feature / risk grid ---------- */
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:16px}
.card{
  background:#fff;border:1px solid var(--line);border-radius:var(--r-md);padding:24px;
  box-shadow:var(--shadow);
  transition:border-color .2s var(--ease),box-shadow .2s var(--ease);
}
.card:hover{border-color:var(--line-strong);box-shadow:var(--shadow-lift)}
.card .ic{
  width:36px;height:36px;border-radius:var(--r-sm);display:grid;place-items:center;
  background:var(--navy-900);color:var(--gold-bright);margin-bottom:16px;
}
.card h3{margin-bottom:9px}
.card p{color:var(--ink-dim);font-size:.95rem}

/* ---------- Comparison ---------- */
.compare{display:flex;flex-direction:column;gap:2px}
.crow{display:grid;grid-template-columns:minmax(160px,1.1fr) 3fr 76px;gap:16px;align-items:center;padding:13px 0;border-bottom:1px solid var(--line)}
@media (max-width:640px){.crow{grid-template-columns:1fr 60px;gap:8px}.crow .ctrack{grid-column:1/-1}}
.crow .cname{font-size:.95rem;color:var(--ink-dim)}
.crow.is-us .cname{color:var(--navy-900);font-weight:600}
.ctrack{height:9px;background:#fff;border:1px solid var(--line);border-radius:4px;overflow:hidden}
.ctrack i{display:block;height:100%;background:var(--line-strong);border-radius:3px;transition:width 1s var(--ease)}
.crow.is-us .ctrack i{background:linear-gradient(90deg,var(--gold),var(--gold-bright))}
.crow .cval{font-family:var(--mono);font-size:.92rem;text-align:right;font-variant-numeric:tabular-nums;color:var(--ink-dim)}
.crow.is-us .cval{color:var(--gold);font-weight:500}

/* ---------- FAQ ---------- */
.faq{border-top:1px solid var(--line)}
.faq details{border-bottom:1px solid var(--line)}
.faq summary{
  list-style:none;cursor:pointer;padding:20px 0;display:flex;gap:18px;align-items:baseline;
  font-family:var(--display);font-weight:600;font-size:1.02rem;letter-spacing:-.012em;color:var(--navy-900);
  transition:color .16s var(--ease);
}
.faq summary::-webkit-details-marker{display:none}
.faq summary:hover{color:var(--navy-500)}
.faq summary .q{font-family:var(--mono);font-size:.72rem;color:var(--gold);flex:none;font-weight:500}
.faq summary .t{flex:1}
.faq summary .pm{font-family:var(--mono);color:var(--ink-mute);flex:none;transition:transform .2s var(--ease)}
.faq details[open] summary .pm{transform:rotate(45deg)}
.faq .a{padding:0 0 22px 46px;color:var(--ink-dim);max-width:76ch;font-size:.98rem}
@media (max-width:560px){.faq .a{padding-left:0}}

/* ---------- Callout / risk band ---------- */
.band{
  border:1px solid #EAC7BC;background:var(--red-soft);
  border-radius:var(--r-md);padding:22px 24px;display:flex;gap:16px;align-items:flex-start;
}
.band .ic{color:var(--red);flex:none;margin-top:2px}
.band h3{font-size:1.02rem;margin-bottom:7px}
.band p{color:var(--ink-dim);font-size:.92rem;max-width:80ch}

/* ---------- CTA (navy) ---------- */
.cta-box{
  border-radius:var(--r-lg);
  background:
    radial-gradient(60% 90% at 80% -20%,rgba(28,78,138,.6),transparent 60%),
    radial-gradient(50% 70% at 15% 120%,rgba(199,154,46,.18),transparent 65%),
    var(--navy-900);
  padding:clamp(32px,5vw,56px);text-align:center;position:relative;overflow:hidden;
  box-shadow:var(--shadow-lift);
}
.cta-box>*{position:relative}
.cta-box h2{color:#fff}
.cta-box p{margin:16px auto 0;color:var(--lt-dim);max-width:56ch}
.cta-box .eyebrow{color:var(--gold-bright);justify-content:center}
.cta-box .hero-cta{justify-content:center}
.cta-box .btn-ghost{background:transparent;border-color:var(--nline-strong);color:var(--lt)}
.cta-box .btn-ghost:hover{border-color:var(--gold-bright);color:var(--gold-bright)}

/* ---------- Forms ---------- */
.form{display:grid;gap:18px}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:14px}
@media (max-width:560px){.row2{grid-template-columns:1fr}}
label.lbl{
  display:block;font-size:.68rem;font-weight:600;letter-spacing:.1em;
  text-transform:uppercase;color:var(--ink-dim);margin-bottom:7px;
}
.inp{
  width:100%;background:#fff;border:1px solid var(--line-strong);
  color:var(--ink);font-family:var(--body);font-size:.96rem;
  padding:12px 14px;border-radius:var(--r-sm);transition:border-color .16s var(--ease),box-shadow .16s var(--ease);
}
.inp:focus{border-color:var(--navy-500);outline:none;box-shadow:0 0 0 3px rgba(28,78,138,.12)}
.inp::placeholder{color:var(--ink-mute)}
select.inp{appearance:none;background-image:linear-gradient(45deg,transparent 50%,var(--ink-mute) 50%),linear-gradient(135deg,var(--ink-mute) 50%,transparent 50%);background-position:calc(100% - 19px) 50%,calc(100% - 14px) 50%;background-size:5px 5px;background-repeat:no-repeat}
textarea.inp{resize:vertical;min-height:110px}
.check{display:flex;gap:11px;align-items:flex-start;font-size:.87rem;color:var(--ink-dim)}
.check input{margin-top:4px;accent-color:var(--navy-700);width:16px;height:16px;flex:none}
.form-note{font-size:.8rem;color:var(--ink-mute)}
.form-ok{
  border:1px solid #BFE5D2;background:var(--green-soft);
  border-radius:var(--r-md);padding:26px;text-align:center;
}
.form-ok h3{color:var(--green);margin-bottom:8px}
.err{color:var(--red);font-size:.8rem;margin-top:6px;display:none}
.inp[aria-invalid=true]{border-color:var(--red)}
.inp[aria-invalid=true]+.err{display:block}

/* ---------- Table ---------- */
.tbl{width:100%;border-collapse:collapse;font-size:.92rem;background:#fff}
.tbl th{
  text-align:left;font-size:.64rem;font-weight:600;letter-spacing:.11em;
  text-transform:uppercase;color:var(--ink-mute);padding:12px 14px;
  border-bottom:2px solid var(--navy-900);background:var(--bg-alt);
}
.tbl td{padding:14px;border-bottom:1px solid var(--line);color:var(--ink-dim);vertical-align:top}
.tbl td strong{color:var(--navy-900);font-weight:600}
.tbl-scroll{overflow-x:auto;border:1px solid var(--line);border-radius:var(--r-md);box-shadow:var(--shadow)}

/* ---------- Modal ---------- */
.modal{
  position:fixed;inset:0;z-index:200;display:none;
  background:rgba(11,37,69,.55);backdrop-filter:blur(5px);
  padding:20px;overflow-y:auto;
}
.modal.is-open{display:flex;align-items:flex-start;justify-content:center}
.modal-in{
  background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);
  width:100%;max-width:620px;margin:auto;padding:clamp(22px,3vw,32px);
  box-shadow:0 30px 80px -20px rgba(11,37,69,.45);
  animation:rise .28s var(--ease);
}
@keyframes rise{from{opacity:0;transform:translateY(14px)}to{opacity:1;transform:none}}
.modal-x{
  background:none;border:1px solid var(--line-strong);color:var(--ink-dim);cursor:pointer;
  width:32px;height:32px;border-radius:var(--r-sm);flex:none;
}
.modal-x:hover{color:var(--navy-900);border-color:var(--navy-500)}
.kv{display:grid;grid-template-columns:1fr 1fr;gap:1px;background:var(--line);border:1px solid var(--line);border-radius:var(--r-sm);overflow:hidden;margin-top:18px}
.kv div{background:var(--bg-alt);padding:12px 14px}
.kv .k{font-size:.62rem;font-weight:600;letter-spacing:.09em;text-transform:uppercase;color:var(--ink-mute)}
.kv .v{margin-top:3px;font-size:.95rem;color:var(--navy-900);font-weight:500}

/* ---------- Footer (navy) ---------- */
.ftr{background:var(--navy-900);color:var(--lt-dim);padding-block:clamp(44px,5vw,68px) 30px}
.ftr h4{font-size:.66rem;font-weight:600;letter-spacing:.13em;text-transform:uppercase;color:var(--lt-mute);margin:0 0 14px}
.ftr .brand{color:#fff}
.ftr .brand small{background:transparent;border-color:rgba(228,178,58,.4);color:var(--gold-bright)}
.ftr-grid{display:grid;grid-template-columns:1.7fr repeat(3,1fr);gap:34px}
@media (max-width:860px){.ftr-grid{grid-template-columns:1fr 1fr}}
@media (max-width:520px){.ftr-grid{grid-template-columns:1fr}}
.ftr ul{list-style:none;margin:0;padding:0;display:grid;gap:9px}
.ftr a{color:var(--lt-dim);font-size:.9rem}
.ftr a:hover{color:var(--gold-bright)}
.ftr-about{color:var(--lt-mute);font-size:.88rem;margin-top:14px;max-width:40ch}
.legal{
  margin-top:38px;padding-top:24px;border-top:1px solid var(--nline);
  color:var(--lt-mute);font-size:.76rem;line-height:1.68;display:grid;gap:12px;
}
.legal strong{color:var(--lt-dim)}
.ftr-base{display:flex;flex-wrap:wrap;gap:12px;justify-content:space-between;margin-top:20px;font-family:var(--mono);font-size:.7rem;color:var(--lt-mute)}

/* ---------- Page hero (inner pages) ---------- */
.phero{
  padding-block:clamp(48px,6vw,80px) clamp(30px,4vw,48px);
  border-bottom:1px solid var(--line);
  background:linear-gradient(180deg,var(--bg-alt),#fff);
}
.phero h1{font-size:clamp(1.9rem,3.8vw,3rem)}
.phero p{margin-top:18px}

/* ---------- Splits ---------- */
.split{display:grid;gap:clamp(28px,5vw,64px);align-items:start}
.split-cmp{grid-template-columns:1fr 1.15fr}
.split-form{grid-template-columns:1.25fr .95fr}
@media (max-width:900px){.split-cmp,.split-form{grid-template-columns:1fr}}

/* ---------- Reveal ---------- */
.rv{opacity:0;transform:translateY(16px)}
.rv.in{opacity:1;transform:none;transition:opacity .6s var(--ease),transform .6s var(--ease)}
@media (prefers-reduced-motion:reduce){
  .rv,.rv.in{opacity:1;transform:none;transition:none}
  *{animation-duration:.001ms!important;transition-duration:.001ms!important}
}

.hide{display:none!important}
.empty{
  border:1px dashed var(--line-strong);border-radius:var(--r-md);background:#fff;
  padding:44px 24px;text-align:center;color:var(--ink-mute);
}
.empty a{color:var(--navy-500)!important;font-weight:500}