/* ============================================================
   i-GotFunded — Editorial Capital v5.1
   Type:   Bricolage Grotesque · Geist · JetBrains Mono
   Color:  paper / ink / cobalt / cyan / sky  (brand blues)
   ============================================================ */

@import url('https://fonts.googleapis.com/css2?family=Bricolage+Grotesque:opsz,wght@12..96,300..800&family=Geist:wght@300;400;500;600;700&family=JetBrains+Mono:wght@400;500&display=swap');

/* ─── Tokens (brand: i-GotFunded blue) ─── */
:root {
  /* Surface — white/blue-tinted */
  --paper:           #FAFCFF;
  --paper-warm:      #EEF3FB;
  --paper-elevated:  #FFFFFF;
  --paper-deep:      #DDE5EF;

  /* Ink — near-black with slight blue cast */
  --ink:             #0A1228;
  --ink-soft:        #1F2A40;
  --ink-medium:      #3D485A;
  --muted:           #6B7689;
  --hairline:        rgba(10, 18, 40, 0.08);
  --hairline-strong: rgba(10, 18, 40, 0.16);

  /* Brand blues — pulled from the logo SVG */
  --cobalt:          #065CE9;             /* logo primary */
  --cobalt-light:    #1057E5;
  --cobalt-deep:     #0846B0;
  --cobalt-glow:     rgba(6, 92, 233, 0.22);

  --cyan:            #00BAF6;             /* logo accent */
  --cyan-deep:       #0098CC;

  --sky:             #34BBF3;             /* logo highlight */

  /* "Live" pulse — cyan, no orange */
  --pulse:           #00BAF6;

  /* Type */
  --font-display: 'Bricolage Grotesque', ui-serif, Georgia, serif;
  --font-sans:    'Geist', -apple-system, BlinkMacSystemFont, ui-sans-serif, system-ui, sans-serif;
  --font-mono:    'JetBrains Mono', ui-monospace, 'SF Mono', Menlo, monospace;

  /* Motion */
  --ease:        cubic-bezier(0.22, 1, 0.36, 1);
  --ease-snap:   cubic-bezier(0.34, 1.56, 0.64, 1);
  --ease-strong: cubic-bezier(0.65, 0, 0.35, 1);

  /* Layout */
  --container: 1440px;
  --gutter: 32px;

  /* Shadows (warm, not blue) */
  --shadow-sm: 0 1px 2px rgba(10, 18, 40, 0.04), 0 4px 12px rgba(10, 18, 40, 0.04);
  --shadow-md: 0 4px 12px rgba(10, 18, 40, 0.06), 0 12px 28px rgba(10, 18, 40, 0.06);
  --shadow-lg: 0 20px 60px rgba(10, 18, 40, 0.10);
}

/* ─── Reset ─── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html {
  font-size: 16px;
  scroll-behavior: smooth;
  -webkit-text-size-adjust: 100%;
}
body {
  font-family: var(--font-sans);
  background: var(--paper);
  color: var(--ink);
  font-feature-settings: 'ss01', 'ss03', 'cv11';
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  line-height: 1.55;
  overflow-x: hidden;
  min-height: 100vh;
}
img, video, svg, canvas { display: block; max-width: 100%; }
img { height: auto; }
a { color: inherit; text-decoration: none; }
ul, ol { list-style: none; }
button { font-family: inherit; cursor: pointer; border: none; background: none; color: inherit; }
input, textarea, select { font-family: inherit; }
::selection { background: var(--ink); color: var(--paper); }

/* ─── Typography ─── */
h1, h2, h3, h4, h5 {
  font-family: var(--font-display);
  color: var(--ink);
  font-weight: 500;
}
h1 {
  font-size: clamp(2.6rem, 5.5vw, 5rem);
  line-height: 0.95;
  letter-spacing: -0.04em;
  font-variation-settings: 'opsz' 80;
}
h2 {
  font-size: clamp(2rem, 3.6vw, 3.4rem);
  line-height: 1.0;
  letter-spacing: -0.03em;
  font-variation-settings: 'opsz' 64;
}
h3 {
  font-size: clamp(1.15rem, 1.5vw, 1.4rem);
  line-height: 1.18;
  letter-spacing: -0.015em;
  font-weight: 500;
  font-variation-settings: 'opsz' 24;
}
h4 { font-size: 1rem; font-weight: 500; }
p {
  color: var(--ink-soft);
  font-size: 1.0625rem;
  line-height: 1.55;
}

.display-xxl {
  font-family: var(--font-display);
  font-size: clamp(3.5rem, 9vw, 9rem);
  font-weight: 500;
  line-height: 0.88;
  letter-spacing: -0.05em;
  font-variation-settings: 'opsz' 96;
}

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-family: var(--font-mono);
  font-size: 0.74rem;
  font-weight: 500;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  color: var(--ink);
}
.eyebrow::before {
  content: '';
  width: 6px; height: 6px;
  background: var(--cobalt);
  border-radius: 50%;
  flex-shrink: 0;
}
.eyebrow.live::before {
  background: var(--pulse);
  animation: live-pulse 1.6s var(--ease) infinite;
}
@keyframes live-pulse {
  0%, 100% { transform: scale(1); opacity: 1; box-shadow: 0 0 0 0 rgba(0, 186, 246, 0.4); }
  50%      { transform: scale(1.2); opacity: 0.7; box-shadow: 0 0 0 6px rgba(0, 186, 246, 0); }
}

.label {
  font-family: var(--font-mono);
  font-size: 0.72rem;
  font-weight: 500;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--muted);
}

.numeric, .num {
  font-family: var(--font-mono);
  font-feature-settings: 'tnum';
  font-variant-numeric: tabular-nums;
  letter-spacing: -0.01em;
}

em.serif {
  font-style: italic;
  font-family: var(--font-display);
  font-weight: 400;
  font-variation-settings: 'opsz' 96;
}

/* ─── Container ─── */
.container {
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 var(--gutter);
}
@media (max-width: 768px) {
  :root { --gutter: 20px; }
}

/* ─── Buttons ─── */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 12px;
  height: 56px;
  padding: 0 28px;
  border-radius: 980px;
  font-family: var(--font-sans);
  font-size: 0.95rem;
  font-weight: 500;
  letter-spacing: -0.005em;
  white-space: nowrap;
  cursor: pointer;
  transition: transform 0.32s var(--ease), background 0.2s ease, color 0.2s ease, border-color 0.2s ease;
  will-change: transform;
  position: relative;
}
.btn:active { transform: translateY(1px); }

.btn-primary {
  background: var(--cobalt);
  color: #F4F2EE;
  padding: 0 22px 0 28px;
}
.btn-primary .btn-arrow {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 32px; height: 32px;
  border-radius: 50%;
  background: var(--cyan);
  color: var(--ink);
  transition: transform 0.4s var(--ease-snap);
  flex-shrink: 0;
}
.btn-primary .btn-arrow svg { width: 14px; height: 14px; }
.btn-primary:hover { background: var(--cobalt-deep); transform: translateY(-2px); }
.btn-primary:hover .btn-arrow { transform: translateX(3px) rotate(-12deg); }

.btn-ghost {
  background: transparent;
  color: var(--ink);
  border: 1px solid var(--hairline-strong);
  padding: 0 28px;
}
.btn-ghost:hover {
  background: var(--ink);
  color: var(--paper);
  border-color: var(--ink);
  transform: translateY(-2px);
}

.btn-light {
  background: var(--paper-elevated);
  color: var(--ink);
  border: 1px solid var(--hairline);
}
.btn-light:hover { background: white; transform: translateY(-2px); }

/* ─── Navbar (dark glass — solves white-logo problem) ─── */
#navbar {
  position: fixed;
  top: 16px;
  left: 50%;
  transform: translateX(-50%);
  width: calc(100% - 32px);
  max-width: 1380px;
  z-index: 1000;
  height: 64px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0 12px 0 28px;
  border-radius: 999px;
  background: rgba(10, 18, 40, 0.62);
  backdrop-filter: blur(28px) saturate(180%);
  -webkit-backdrop-filter: blur(28px) saturate(180%);
  border: 1px solid rgba(255, 255, 255, 0.08);
  box-shadow:
    inset 0 1px 0 rgba(255, 255, 255, 0.10),
    inset 0 -1px 0 rgba(0, 0, 0, 0.30),
    0 14px 44px rgba(10, 18, 40, 0.18);
  transition: top 0.3s var(--ease), max-width 0.3s var(--ease);
}
#navbar.scrolled {
  background: rgba(10, 18, 40, 0.82);
  top: 12px;
}

.nav-logo {
  display: inline-flex;
  align-items: center;
  height: 100%;
}
.nav-logo img {
  height: 36px;
  width: auto;
  filter: drop-shadow(0 1px 6px rgba(0, 0, 0, 0.25));
  transition: opacity 0.2s ease;
}
.nav-logo:hover img { opacity: 0.85; }

.nav-links {
  display: flex;
  align-items: center;
  gap: 36px;
}
.nav-links a {
  font-size: 0.86rem;
  font-weight: 400;
  color: rgba(244, 242, 238, 0.70);
  position: relative;
  transition: color 0.18s ease;
}
.nav-links a:hover { color: rgba(244, 242, 238, 1); }
.nav-links a.active { color: rgba(244, 242, 238, 1); }
.nav-links a.active::after {
  content: '';
  position: absolute;
  bottom: -10px;
  left: 50%;
  width: 4px; height: 4px;
  border-radius: 50%;
  background: var(--cyan);
  transform: translateX(-50%);
}

.nav-cta {
  display: flex;
  align-items: center;
  gap: 12px;
}
.nav-apply {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  height: 40px;
  padding: 0 6px 0 18px;
  border-radius: 980px;
  background: #F4F2EE;
  color: var(--ink);
  font-family: var(--font-sans);
  font-size: 0.86rem;
  font-weight: 500;
  letter-spacing: -0.005em;
  transition: background 0.2s ease, transform 0.25s var(--ease);
  will-change: transform;
}
.nav-apply .nav-apply-arrow {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 28px; height: 28px;
  border-radius: 50%;
  background: var(--cobalt);
  color: #F4F2EE;
  transition: transform 0.4s var(--ease-snap);
}
.nav-apply .nav-apply-arrow svg { width: 12px; height: 12px; }
.nav-apply:hover { background: white; transform: translateY(-1px); }
.nav-apply:hover .nav-apply-arrow { transform: rotate(-12deg) translateX(2px); }

.nav-ham {
  display: none;
  flex-direction: column;
  gap: 5px;
  padding: 6px;
  cursor: pointer;
}
.nav-ham span {
  width: 20px; height: 1.5px;
  background: rgba(244, 242, 238, 0.85);
  border-radius: 2px;
  transition: all 0.3s var(--ease);
}

@media (max-width: 900px) {
  .nav-links, .nav-cta-apply-text { display: none; }
  .nav-apply .nav-apply-text { display: none; }
  .nav-ham { display: flex; }
  #navbar { padding: 0 12px 0 18px; height: 58px; }
  .nav-logo img { height: 30px; }
}

/* Mobile menu */
.mobile-menu {
  position: fixed;
  inset: 0;
  z-index: 999;
  background: rgba(10, 18, 40, 0.96);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 32px;
  opacity: 0;
  pointer-events: none;
  transition: opacity 0.4s var(--ease);
}
.mobile-menu.open { opacity: 1; pointer-events: auto; }
.mobile-menu a {
  font-family: var(--font-display);
  font-size: 2.5rem;
  font-weight: 500;
  color: rgba(244, 242, 238, 0.92);
  letter-spacing: -0.025em;
  transition: color 0.2s ease;
}
.mobile-menu a:hover { color: var(--cyan); }
.mobile-menu .mobile-cta {
  margin-top: 16px;
}

/* ─── Section base ─── */
section {
  position: relative;
}
.section-pad {
  padding: 120px 0;
}
.section-pad-sm {
  padding: 80px 0;
}
@media (max-width: 768px) {
  .section-pad { padding: 80px 0; }
  .section-pad-sm { padding: 56px 0; }
}

/* ─── Editorial Hero ─── */
.hero {
  position: relative;
  min-height: 100vh;
  display: flex;
  align-items: flex-end;
  padding: 120px 0 80px;
  overflow: hidden;
  isolation: isolate;
}
.hero-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr;
  gap: 64px;
  width: 100%;
  align-items: end;
}
.hero-text {
  max-width: 880px;
}
.hero-eyebrow { margin-bottom: 32px; }
.hero-headline {
  font-family: var(--font-display);
  font-size: clamp(3.2rem, 8vw, 8.5rem);
  font-weight: 500;
  line-height: 0.92;
  letter-spacing: -0.05em;
  font-variation-settings: 'opsz' 96;
  color: var(--ink);
  margin-bottom: 32px;
}
.hero-headline em {
  font-style: italic;
  font-weight: 400;
  color: var(--cobalt);
}
.hero-sub {
  font-size: 1.2rem;
  color: var(--ink-soft);
  max-width: 520px;
  margin-bottom: 40px;
  line-height: 1.5;
}
.hero-actions {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
  align-items: center;
  margin-bottom: 56px;
}
.hero-trust-row {
  display: flex;
  align-items: center;
  gap: 28px;
  flex-wrap: wrap;
  font-family: var(--font-mono);
  font-size: 0.78rem;
  color: var(--muted);
  letter-spacing: 0.02em;
}
.hero-trust-row > span { display: inline-flex; align-items: center; gap: 8px; }
.hero-trust-row svg { width: 14px; height: 14px; flex-shrink: 0; color: var(--cobalt); }

.hero-canvas-wrap {
  position: relative;
  height: 100%;
  min-height: 460px;
  display: flex;
  align-items: center;
  justify-content: center;
}
#hero-canvas {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
}

@media (max-width: 1024px) {
  .hero-grid { grid-template-columns: 1fr; gap: 48px; }
  .hero-canvas-wrap { min-height: 360px; order: 2; }
  .hero { min-height: auto; padding-top: 140px; padding-bottom: 60px; }
}

/* Hero ticker */
.hero-ticker {
  position: absolute;
  bottom: 0; left: 0; right: 0;
  height: 56px;
  display: flex;
  align-items: center;
  border-top: 1px solid var(--hairline);
  background: var(--paper);
  font-family: var(--font-mono);
  font-size: 0.82rem;
  color: var(--ink);
  z-index: 5;
}
.hero-ticker-track {
  display: inline-flex;
  align-items: center;
  gap: 56px;
  padding-left: 56px;
  white-space: nowrap;
  animation: ticker 60s linear infinite;
}
.hero-ticker-track > span {
  display: inline-flex;
  align-items: center;
  gap: 12px;
}
.hero-ticker-track > span::before {
  content: '';
  width: 4px; height: 4px;
  border-radius: 50%;
  background: var(--cobalt);
}
.hero-ticker-track .live::before { background: var(--pulse); animation: live-pulse 1.6s var(--ease) infinite; }
@keyframes ticker {
  from { transform: translate3d(0, 0, 0); }
  to   { transform: translate3d(-50%, 0, 0); }
}
.hero-ticker:hover .hero-ticker-track { animation-play-state: paused; }

/* ─── Marquee (industries scroll) ─── */
.marquee {
  padding: 56px 0;
  background: var(--paper-warm);
  overflow: hidden;
  border-top: 1px solid var(--hairline);
  border-bottom: 1px solid var(--hairline);
}
.marquee-label {
  text-align: center;
  margin-bottom: 36px;
}
.marquee-track {
  display: flex;
  gap: 64px;
  white-space: nowrap;
  animation: marquee-scroll 50s linear infinite;
  font-family: var(--font-display);
  font-size: clamp(2rem, 4vw, 3.4rem);
  font-weight: 500;
  letter-spacing: -0.03em;
  color: var(--ink);
}
.marquee-track > span {
  display: inline-flex;
  align-items: center;
  gap: 64px;
  padding-right: 64px;
}
.marquee-track > span::after {
  content: '◆';
  color: var(--cyan);
  font-size: 0.5em;
  opacity: 0.7;
}
@keyframes marquee-scroll {
  from { transform: translate3d(0, 0, 0); }
  to   { transform: translate3d(-50%, 0, 0); }
}
.marquee:hover .marquee-track { animation-play-state: paused; }

/* ─── Bento metrics grid ─── */
.bento {
  display: grid;
  /* minmax(0, 1fr) prevents content from forcing columns wider than allocated */
  grid-template-columns: repeat(12, minmax(0, 1fr));
  gap: 16px;
}
.bento-card {
  position: relative;
  background: var(--paper-elevated);
  border: 1px solid var(--hairline);
  border-radius: 24px;
  padding: 32px;
  overflow: hidden;
  transition: transform 0.5s var(--ease), border-color 0.4s ease, box-shadow 0.4s ease;
  will-change: transform;
}
.bento-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
  border-color: var(--hairline-strong);
}
.bento-card.dark {
  background: var(--ink);
  color: var(--paper);
  border-color: rgba(255, 255, 255, 0.06);
}
.bento-card.dark p, .bento-card.dark .label { color: rgba(244, 242, 238, 0.65); }
.bento-card.dark h2, .bento-card.dark h3 { color: var(--paper); }
.bento-card.cobalt {
  background: var(--cobalt);
  color: var(--paper);
  border-color: transparent;
}
.bento-card.cobalt h2, .bento-card.cobalt h3 { color: var(--paper); }
.bento-card.cobalt p, .bento-card.cobalt .label { color: rgba(244, 242, 238, 0.7); }

.bento-num {
  font-family: var(--font-display);
  font-size: clamp(3rem, 6vw, 6rem);
  font-weight: 500;
  letter-spacing: -0.045em;
  line-height: 0.9;
  font-variation-settings: 'opsz' 96;
}

/* Bento sizes */
.bento-card.span-1  { grid-column: span 1; }
.bento-card.span-2  { grid-column: span 2; }
.bento-card.span-3  { grid-column: span 3; }
.bento-card.span-4  { grid-column: span 4; }
.bento-card.span-5  { grid-column: span 5; }
.bento-card.span-6  { grid-column: span 6; }
.bento-card.span-7  { grid-column: span 7; }
.bento-card.span-8  { grid-column: span 8; }
.bento-card.span-9  { grid-column: span 9; }
.bento-card.span-10 { grid-column: span 10; }
.bento-card.span-11 { grid-column: span 11; }
.bento-card.span-12 { grid-column: span 12; }
.bento-card.row-2   { grid-row: span 2; }

@media (max-width: 1024px) {
  .bento { grid-template-columns: repeat(6, minmax(0, 1fr)); }
  .bento-card.span-3 { grid-column: span 3; }   /* halves on tablet */
  .bento-card.span-4, .bento-card.span-5,
  .bento-card.span-6, .bento-card.span-7,
  .bento-card.span-8, .bento-card.span-9,
  .bento-card.span-10, .bento-card.span-11 { grid-column: span 6; }
  .bento-card.row-2 { grid-row: span 1; }
}
@media (max-width: 600px) {
  .bento { grid-template-columns: 1fr; gap: 12px; }
  .bento-card { grid-column: span 1 !important; padding: 24px; }
}

/* ─── Process (editorial 3 step) ─── */
.process-list {
  display: grid;
  grid-template-columns: 1fr;
  gap: 0;
  border-top: 1px solid var(--hairline);
}
.process-row {
  display: grid;
  grid-template-columns: 96px 1fr 1.2fr;
  gap: 32px;
  padding: 48px 0;
  border-bottom: 1px solid var(--hairline);
  align-items: start;
  transition: padding 0.3s var(--ease);
}
.process-row:hover .process-num { color: var(--cobalt); }
.process-num {
  font-family: var(--font-display);
  font-size: clamp(3rem, 5vw, 4.5rem);
  font-weight: 500;
  letter-spacing: -0.04em;
  color: var(--ink);
  line-height: 0.9;
  transition: color 0.4s ease;
}
.process-title {
  font-family: var(--font-display);
  font-size: clamp(1.4rem, 2.4vw, 2rem);
  font-weight: 500;
  letter-spacing: -0.02em;
  line-height: 1.05;
}
.process-tag {
  display: inline-block;
  margin-top: 12px;
  font-family: var(--font-mono);
  font-size: 0.74rem;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  color: var(--cobalt);
}
.process-body p {
  margin-bottom: 12px;
  font-size: 1rem;
}
@media (max-width: 768px) {
  .process-row { grid-template-columns: 1fr; gap: 12px; padding: 32px 0; }
  .process-num { font-size: 2.4rem; }
}

/* ─── Calculator (interactive) ─── */
.calc {
  position: relative;
  background: var(--ink);
  color: var(--paper);
  border-radius: 32px;
  padding: 56px;
  overflow: hidden;
}
.calc-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: center;
}
.calc-input-block { position: relative; }
.calc-label {
  font-family: var(--font-mono);
  font-size: 0.74rem;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  color: rgba(244, 242, 238, 0.5);
  margin-bottom: 12px;
  display: block;
}
.calc-amount {
  font-family: var(--font-display);
  font-size: clamp(3rem, 6vw, 5.5rem);
  font-weight: 500;
  letter-spacing: -0.045em;
  font-variation-settings: 'opsz' 96, 'wght' 400;
  line-height: 0.9;
  color: var(--paper);
  margin-bottom: 24px;
  font-feature-settings: 'tnum';
  font-variant-numeric: tabular-nums;
}
.calc-slider {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 8px;
  border-radius: 999px;
  background: linear-gradient(to right, var(--cyan) 0%, var(--cyan) var(--fill, 30%), rgba(244, 242, 238, 0.12) var(--fill, 30%), rgba(244, 242, 238, 0.12) 100%);
  outline: none;
  cursor: pointer;
  margin-bottom: 12px;
}
.calc-slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 24px; height: 24px;
  border-radius: 50%;
  background: var(--paper);
  border: 3px solid var(--cyan);
  cursor: grab;
  transition: transform 0.2s ease, box-shadow 0.2s ease;
  box-shadow: 0 4px 12px rgba(0, 0, 0, 0.4);
}
.calc-slider::-webkit-slider-thumb:hover { transform: scale(1.15); }
.calc-slider::-moz-range-thumb {
  width: 24px; height: 24px;
  border-radius: 50%;
  background: var(--paper);
  border: 3px solid var(--cyan);
  cursor: grab;
}
.calc-range-labels {
  display: flex;
  justify-content: space-between;
  font-family: var(--font-mono);
  font-size: 0.74rem;
  color: rgba(244, 242, 238, 0.5);
}

.calc-result {
  display: flex;
  flex-direction: column;
  gap: 28px;
}
.calc-result-row {
  border-top: 1px solid rgba(244, 242, 238, 0.10);
  padding-top: 20px;
}
.calc-result-row:first-child { border-top: none; padding-top: 0; }
.calc-result-row .calc-label { color: rgba(244, 242, 238, 0.55); margin-bottom: 6px; }
.calc-result-row .calc-value {
  font-family: var(--font-mono);
  font-size: clamp(1.4rem, 2.5vw, 2rem);
  font-weight: 500;
  font-feature-settings: 'tnum';
  font-variant-numeric: tabular-nums;
  color: var(--paper);
  letter-spacing: -0.01em;
}
.calc-result-row.highlight .calc-value { color: var(--cyan); }
.calc-cta { margin-top: 16px; }

@media (max-width: 900px) {
  .calc { padding: 32px 24px; border-radius: 24px; }
  .calc-grid { grid-template-columns: 1fr; gap: 32px; }
}

/* ─── Photo banner (high-res image with overlay) ─── */
.photo-banner {
  position: relative;
  height: clamp(420px, 60vh, 620px);
  overflow: hidden;
  border-radius: 24px;
  isolation: isolate;
}
.photo-banner img {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center;
  transform: scale(1.05);
  transition: transform 1s var(--ease);
}
.photo-banner::after {
  content: '';
  position: absolute;
  inset: 0;
  background:
    linear-gradient(110deg, rgba(10, 18, 40, 0.78) 0%, rgba(10, 18, 40, 0.40) 60%, rgba(10, 18, 40, 0.20) 100%);
  z-index: 1;
}
.photo-banner-content {
  position: relative;
  z-index: 2;
  height: 100%;
  display: flex;
  align-items: center;
  padding: 56px;
}
.photo-banner-text {
  max-width: 540px;
  color: var(--paper);
}
.photo-banner-text h2 { color: var(--paper); margin-bottom: 16px; }
.photo-banner-text p { color: rgba(244, 242, 238, 0.82); margin-bottom: 28px; }
.photo-banner-text .eyebrow {
  color: rgba(244, 242, 238, 0.92);
  margin-bottom: 24px;
}
.photo-banner-text .eyebrow::before { background: var(--cyan); }
@media (max-width: 768px) {
  .photo-banner-content { padding: 32px 24px; }
}

/* ─── Section headers ─── */
.section-head {
  display: grid;
  grid-template-columns: 1fr 1.2fr;
  gap: 64px;
  margin-bottom: 64px;
  align-items: end;
}
.section-head-text h2 { margin-bottom: 16px; }
.section-head-text p { max-width: 540px; }
.section-head-meta {
  display: flex;
  flex-direction: column;
  gap: 8px;
  align-items: flex-end;
  text-align: right;
}
@media (max-width: 900px) {
  .section-head { grid-template-columns: 1fr; gap: 24px; }
  .section-head-meta { align-items: flex-start; text-align: left; }
}

/* ─── CTA banner (closing) ─── */
.cta-banner {
  background: var(--ink);
  color: var(--paper);
  border-radius: 32px;
  padding: clamp(56px, 8vw, 96px) 56px;
  position: relative;
  overflow: hidden;
  isolation: isolate;
}
.cta-banner::before {
  content: '';
  position: absolute;
  top: -40%;
  right: -10%;
  width: 60%;
  height: 180%;
  background: radial-gradient(circle, var(--cobalt-glow) 0%, transparent 60%);
  pointer-events: none;
  z-index: 0;
}
.cta-banner > * { position: relative; z-index: 1; }
.cta-banner h2 {
  color: var(--paper);
  font-size: clamp(2.5rem, 5vw, 4.5rem);
  margin-bottom: 16px;
  max-width: 16ch;
}
.cta-banner p { color: rgba(244, 242, 238, 0.72); max-width: 480px; margin-bottom: 36px; }
.cta-banner .btn-primary { background: var(--cyan); color: var(--ink); }
.cta-banner .btn-primary .btn-arrow { background: var(--ink); color: var(--cyan); }
.cta-banner .btn-primary:hover { background: #FFB14D; }
.cta-banner .btn-ghost { color: var(--paper); border-color: rgba(244, 242, 238, 0.25); }
.cta-banner .btn-ghost:hover { background: var(--paper); color: var(--ink); border-color: var(--paper); }
@media (max-width: 768px) {
  .cta-banner { padding: 56px 28px; }
}

/* ─── Footer ─── */
footer {
  background: var(--paper);
  border-top: 1px solid var(--hairline);
  padding: 80px 0 32px;
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 64px;
  margin-bottom: 64px;
}
.footer-brand-block .nav-logo img { height: 38px; filter: none; }
.footer-brand-block { padding-right: 32px; }
.footer-brand-block .footer-logo {
  display: inline-flex;
  align-items: center;
  height: 56px;
  padding: 0 16px;
  background: var(--ink);
  border-radius: 14px;
  margin-bottom: 24px;
}
.footer-brand-block .footer-logo img { height: 36px; }
.footer-brand-desc {
  color: var(--ink-soft);
  font-size: 0.95rem;
  line-height: 1.55;
  max-width: 320px;
  margin-bottom: 28px;
}
.social-links { display: flex; gap: 8px; }
.social-link {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 40px; height: 40px;
  border-radius: 50%;
  border: 1px solid var(--hairline-strong);
  color: var(--ink);
  transition: all 0.2s ease;
}
.social-link svg { width: 16px; height: 16px; }
.social-link:hover {
  background: var(--ink);
  color: var(--paper);
  border-color: var(--ink);
  transform: translateY(-2px);
}

.footer-col h4 {
  font-family: var(--font-mono);
  font-size: 0.74rem;
  font-weight: 500;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--muted);
  margin-bottom: 20px;
}
.footer-col ul { display: flex; flex-direction: column; gap: 12px; }
.footer-col a {
  font-size: 0.95rem;
  color: var(--ink);
  transition: color 0.2s ease;
  position: relative;
}
.footer-col a:hover { color: var(--cobalt); }

.footer-contact-email {
  font-size: 0.95rem;
  color: var(--cobalt);
  font-weight: 500;
  margin-bottom: 8px;
}
.footer-contact-hours {
  font-family: var(--font-mono);
  font-size: 0.78rem;
  color: var(--muted);
  margin-bottom: 16px;
}

.footer-bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding-top: 28px;
  border-top: 1px solid var(--hairline);
  font-family: var(--font-mono);
  font-size: 0.78rem;
  color: var(--muted);
  flex-wrap: wrap;
  gap: 16px;
}
.footer-legal { display: flex; gap: 28px; }
.footer-legal a { color: var(--muted); transition: color 0.2s ease; }
.footer-legal a:hover { color: var(--ink); }

@media (max-width: 1024px) {
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 48px; }
}
@media (max-width: 600px) {
  .footer-grid { grid-template-columns: 1fr; gap: 40px; }
  .footer-brand-block { padding-right: 0; }
}

/* ─── Forms ─── */
.form-group { margin-bottom: 18px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.form-row.form-group { margin-bottom: 18px; }
label {
  display: block;
  font-family: var(--font-mono);
  font-size: 0.72rem;
  font-weight: 500;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  color: var(--ink);
  margin-bottom: 8px;
}
input, select, textarea {
  width: 100%;
  background: var(--paper-elevated);
  border: 1px solid var(--hairline-strong);
  border-radius: 12px;
  padding: 14px 16px;
  font-family: var(--font-sans);
  font-size: 0.95rem;
  color: var(--ink);
  outline: none;
  transition: border-color 0.2s ease, box-shadow 0.2s ease, background 0.2s ease;
  -webkit-appearance: none;
  appearance: none;
}
input::placeholder, textarea::placeholder { color: var(--muted); }
input:focus, select:focus, textarea:focus {
  border-color: var(--cobalt);
  box-shadow: 0 0 0 3px var(--cobalt-glow);
  background: white;
}
select { cursor: pointer; }
select option { background: white; color: var(--ink); }
textarea { resize: vertical; min-height: 120px; }
.form-submit {
  width: 100%;
  height: 56px;
  border-radius: 980px;
  font-family: var(--font-sans);
  font-size: 0.95rem;
  font-weight: 500;
  letter-spacing: -0.005em;
  background: var(--cobalt);
  color: #F4F2EE;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 12px;
  transition: background 0.2s ease, transform 0.25s var(--ease);
}
.form-submit:hover { background: var(--cobalt-deep); transform: translateY(-1px); }
.form-card {
  background: var(--paper-elevated);
  border: 1px solid var(--hairline);
  border-radius: 24px;
  padding: 40px 36px;
  box-shadow: var(--shadow-md);
}
.form-note {
  font-family: var(--font-mono);
  font-size: 0.72rem;
  color: var(--muted);
  text-align: center;
  margin-top: 12px;
  letter-spacing: 0.02em;
}
.form-section-title {
  font-family: var(--font-mono);
  font-size: 0.74rem;
  font-weight: 500;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  color: var(--muted);
  margin: 32px 0 16px;
  padding-bottom: 10px;
  border-bottom: 1px solid var(--hairline);
}
.form-section-title:first-child { margin-top: 0; }

.form-success { text-align: center; padding: 32px 16px; }
.form-success .check-icon {
  width: 64px; height: 64px;
  border-radius: 50%;
  background: var(--cobalt);
  color: var(--paper);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
}

/* ─── Page header (sub-pages) ─── */
.page-header {
  position: relative;
  padding: 200px 0 72px;
  background: var(--paper);
  border-bottom: 1px solid var(--hairline);
}
.page-header-inner { max-width: 980px; }
.page-header h1 {
  font-size: clamp(3rem, 7vw, 6.5rem);
  margin-bottom: 24px;
  letter-spacing: -0.045em;
  font-variation-settings: 'opsz' 96;
}
.page-header h1 em { color: var(--cobalt); }
.page-header .eyebrow { margin-bottom: 32px; }
.page-header p { font-size: 1.15rem; max-width: 580px; }

/* ─── Reveal animations (light, IO-driven) ─── */
.reveal {
  opacity: 0;
  transform: translate3d(0, 24px, 0);
  transition: opacity 0.7s var(--ease), transform 0.7s var(--ease);
  will-change: opacity, transform;
}
.reveal.in {
  opacity: 1;
  transform: translate3d(0, 0, 0);
}
.reveal.delay-1 { transition-delay: 0.08s; }
.reveal.delay-2 { transition-delay: 0.16s; }
.reveal.delay-3 { transition-delay: 0.24s; }
.reveal.delay-4 { transition-delay: 0.32s; }

.reveal-stagger > * {
  opacity: 0;
  transform: translate3d(0, 20px, 0);
  transition: opacity 0.6s var(--ease), transform 0.6s var(--ease);
  will-change: opacity, transform;
}
.reveal-stagger.in > * { opacity: 1; transform: translate3d(0, 0, 0); }
.reveal-stagger.in > *:nth-child(1) { transition-delay: 0s; }
.reveal-stagger.in > *:nth-child(2) { transition-delay: 0.08s; }
.reveal-stagger.in > *:nth-child(3) { transition-delay: 0.16s; }
.reveal-stagger.in > *:nth-child(4) { transition-delay: 0.24s; }
.reveal-stagger.in > *:nth-child(5) { transition-delay: 0.32s; }
.reveal-stagger.in > *:nth-child(6) { transition-delay: 0.40s; }

/* ─── FAQ ─── */
.faq-item {
  border-bottom: 1px solid var(--hairline);
}
.faq-question {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 28px 0;
  font-family: var(--font-display);
  font-size: clamp(1.1rem, 1.6vw, 1.4rem);
  font-weight: 500;
  text-align: left;
  color: var(--ink);
  cursor: pointer;
  letter-spacing: -0.015em;
  gap: 24px;
  transition: color 0.2s ease;
}
.faq-question:hover { color: var(--cobalt); }
.faq-chevron {
  flex-shrink: 0;
  width: 36px; height: 36px;
  border-radius: 50%;
  border: 1px solid var(--hairline-strong);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  transition: transform 0.4s var(--ease), background 0.2s ease, color 0.2s ease;
}
.faq-chevron svg { width: 14px; height: 14px; }
.faq-item.open .faq-chevron {
  transform: rotate(45deg);
  background: var(--cobalt);
  color: var(--paper);
  border-color: var(--cobalt);
}
.faq-answer { overflow: hidden; max-height: 0; transition: max-height 0.45s var(--ease); }
.faq-answer-inner { padding: 0 0 28px; padding-right: 60px; color: var(--ink-soft); font-size: 1rem; line-height: 1.6; }

/* ─── Comparison table (about page) ─── */
.compare {
  margin-top: 56px;
  border: 1px solid var(--hairline);
  border-radius: 24px;
  overflow: hidden;
  background: var(--paper-elevated);
}
.compare-head, .compare-row {
  display: grid;
  grid-template-columns: 2fr 1.4fr 1.4fr;
  gap: 0;
  border-bottom: 1px solid var(--hairline);
}
.compare-row:last-child { border-bottom: none; }
.compare-cell {
  padding: 22px 28px;
  font-size: 0.95rem;
  display: flex;
  align-items: center;
  gap: 10px;
}
.compare-head .compare-cell {
  font-family: var(--font-mono);
  font-size: 0.72rem;
  font-weight: 500;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  color: var(--muted);
}
.compare-head .compare-cell.us { color: var(--cobalt); }
.compare-row .compare-cell.label-cell { font-weight: 500; color: var(--ink); font-family: var(--font-sans); font-size: 0.95rem; }
.compare-cell.us {
  background: rgba(6, 92, 233, 0.05);
  border-left: 1px solid var(--hairline);
  color: var(--ink);
  font-weight: 500;
}
.compare-cell.bank { color: var(--ink-medium); border-left: 1px solid var(--hairline); }
.compare-cell .check { color: var(--cobalt); }
.compare-cell .x { color: var(--pulse); }
@media (max-width: 768px) {
  .compare-head, .compare-row { grid-template-columns: 1fr; }
  .compare-cell { padding: 14px 20px; }
  .compare-cell.us, .compare-cell.bank { border-left: none; border-top: 1px solid var(--hairline); }
  .compare-head .compare-cell { padding: 12px 20px; }
}

/* ─── Utility ─── */
.divider {
  width: 32px; height: 1px;
  background: var(--ink);
  margin-bottom: 24px;
  opacity: 0.5;
}
.text-center { text-align: center; }
.text-paper { color: var(--paper); }

/* ─── Reduced motion ─── */
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
  }
  .reveal, .reveal-stagger > * { opacity: 1 !important; transform: none !important; }
  .marquee-track, .hero-ticker-track { animation: none !important; }
}

/* ─── Print ─── */
@media print {
  #navbar, .hero-canvas-wrap, .marquee, .hero-ticker { display: none !important; }
}