/* =====================================================================
   Secure Financial Group — Concept 2: "Modern Fintech"
   Bright, airy, approachable SaaS. Sky + green forward on white, navy depth.
   ===================================================================== */

/* ---------- Design tokens ---------- */
:root {
  /* Locked brand palette */
  --navy: #042650;
  --sky: #2AABE2;
  --green: #8DC641;
  --gray: #8C8C8C;
  --gold: #C8A24B;

  /* Neutrals */
  --white: #FFFFFF;
  --wash: #F5F7FA;
  --wash-2: #EEF3F8;
  --near-black-navy: #0A1A2F;
  --ink: #11141A;

  /* Functional */
  --text: #1C2A3A;
  --text-soft: #51637A;
  --line: #E4EBF2;
  --line-soft: #EDF2F7;

  /* Brand gradients */
  --grad-sky-green: linear-gradient(120deg, #2AABE2 0%, #8DC641 100%);
  --grad-sky-navy: linear-gradient(135deg, #2AABE2 0%, #042650 100%);
  --grad-soft: linear-gradient(160deg, #FFFFFF 0%, #F5F7FA 100%);

  /* Radii */
  --r-sm: 10px;
  --r-md: 16px;
  --r-lg: 20px;
  --r-xl: 28px;
  --r-pill: 999px;

  /* Shadows (layered, soft) */
  --sh-xs: 0 1px 2px rgba(4, 38, 80, 0.06);
  --sh-sm: 0 2px 8px rgba(4, 38, 80, 0.06), 0 1px 2px rgba(4, 38, 80, 0.04);
  --sh-md: 0 10px 30px -12px rgba(4, 38, 80, 0.18), 0 4px 12px -6px rgba(4, 38, 80, 0.10);
  --sh-lg: 0 28px 60px -20px rgba(4, 38, 80, 0.28), 0 10px 24px -12px rgba(4, 38, 80, 0.14);
  --sh-sky: 0 14px 30px -10px rgba(42, 171, 226, 0.45);
  --sh-green: 0 14px 30px -10px rgba(141, 198, 65, 0.42);

  /* Spacing rhythm */
  --space-section: clamp(4.5rem, 9vw, 8rem);
  --container: 1200px;
  --gutter: clamp(1.25rem, 4vw, 2.5rem);

  /* Type */
  --font-head: 'Manrope', system-ui, sans-serif;
  --font-body: 'Inter', system-ui, sans-serif;

  --ease: cubic-bezier(0.22, 1, 0.36, 1);
}

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

html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }

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

body {
  margin: 0;
  font-family: var(--font-body);
  font-size: clamp(1.0625rem, 0.4vw + 1rem, 1.125rem);
  line-height: 1.65;
  color: var(--text);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
  overflow-x: hidden;
}

h1, h2, h3, h4 {
  font-family: var(--font-head);
  color: var(--navy);
  line-height: 1.1;
  letter-spacing: -0.02em;
  margin: 0;
}

p { margin: 0; }

a { color: var(--sky); text-decoration: none; }

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

ul { list-style: none; margin: 0; padding: 0; }

button { font: inherit; cursor: pointer; }

.icon {
  width: 1em; height: 1em;
  fill: none;
  stroke: currentColor;
  stroke-width: 2;
  stroke-linecap: round;
  stroke-linejoin: round;
  flex: none;
}

/* SVGs that should be filled (stars, shields used solid) inherit per-context */

.container {
  width: 100%;
  max-width: var(--container);
  margin-inline: auto;
  padding-inline: var(--gutter);
}

.skip-link {
  position: absolute;
  left: 1rem; top: -100px;
  z-index: 200;
  background: var(--navy);
  color: var(--white);
  padding: 0.75rem 1.25rem;
  border-radius: var(--r-sm);
  font-weight: 700;
  transition: top 0.2s var(--ease);
}
.skip-link:focus { top: 1rem; }

/* ---------- Focus visibility (AA) ---------- */
:where(a, button, summary, [tabindex]):focus-visible {
  outline: 3px solid var(--sky);
  outline-offset: 3px;
  border-radius: 6px;
}

/* ---------- Tint system ---------- */
[data-tint="sky"]   { --tint: var(--sky);   --tint-soft: rgba(42,171,226,0.12); }
[data-tint="green"] { --tint: var(--green); --tint-soft: rgba(141,198,65,0.16); }
[data-tint="navy"]  { --tint: var(--navy);  --tint-soft: rgba(4,38,80,0.10); }
[data-tint="gold"]  { --tint: var(--gold);  --tint-soft: rgba(200,162,75,0.16); }

/* =====================================================================
   BUTTONS  (colored bg => white text, always)
   ===================================================================== */
.btn {
  --btn-pad-y: 0.85rem;
  --btn-pad-x: 1.5rem;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.55rem;
  font-family: var(--font-head);
  font-weight: 700;
  font-size: 1rem;
  letter-spacing: -0.01em;
  padding: var(--btn-pad-y) var(--btn-pad-x);
  border-radius: var(--r-pill);
  border: 2px solid transparent;
  transition: transform 0.25s var(--ease), box-shadow 0.25s var(--ease),
              background 0.25s var(--ease), color 0.2s var(--ease);
  will-change: transform;
}
.btn .icon { width: 1.15em; height: 1.15em; }
.btn--sm { --btn-pad-y: 0.6rem; --btn-pad-x: 1.15rem; font-size: 0.95rem; }
.btn--lg { --btn-pad-y: 1.05rem; --btn-pad-x: 1.9rem; font-size: 1.0625rem; }
.btn--block { width: 100%; }

.btn--primary {
  background: var(--grad-sky-navy);
  color: var(--white);
  box-shadow: var(--sh-sky);
}
.btn--primary:hover { transform: translateY(-3px); box-shadow: 0 20px 38px -12px rgba(42,171,226,0.55); }
.btn--primary:active { transform: translateY(-1px); }

.btn--green {
  background: var(--green);
  color: var(--white);
  box-shadow: var(--sh-green);
}
.btn--green:hover { transform: translateY(-3px); box-shadow: 0 20px 38px -12px rgba(141,198,65,0.55); background: #82bb35; }

.btn--ghost {
  background: var(--white);
  color: var(--navy);
  border-color: var(--line);
  box-shadow: var(--sh-sm);
}
.btn--ghost:hover { transform: translateY(-3px); border-color: var(--sky); color: var(--sky); box-shadow: var(--sh-md); }

.btn--on-dark {
  background: rgba(255,255,255,0.10);
  color: var(--white);
  border-color: rgba(255,255,255,0.45);
}
.btn--on-dark:hover { background: rgba(255,255,255,0.18); border-color: var(--white); transform: translateY(-3px); }

.btn--text {
  background: transparent;
  color: var(--navy);
  padding-inline: 0.4rem;
}
.btn--text .icon { transition: transform 0.25s var(--ease); color: var(--sky); }
.btn--text:hover { color: var(--sky); }
.btn--text:hover .icon { transform: translateX(4px); }

/* =====================================================================
   HEADER
   ===================================================================== */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(255,255,255,0.82);
  backdrop-filter: saturate(140%) blur(12px);
  -webkit-backdrop-filter: saturate(140%) blur(12px);
  border-bottom: 1px solid transparent;
  transition: box-shadow 0.3s var(--ease), border-color 0.3s var(--ease), background 0.3s var(--ease);
}
.site-header.is-scrolled {
  box-shadow: var(--sh-sm);
  border-bottom-color: var(--line);
  background: rgba(255,255,255,0.94);
}

/* Utility bar */
.util-bar {
  background: var(--navy);
  color: rgba(255,255,255,0.92);
  font-size: 0.85rem;
}
.util-bar__inner {
  display: flex;
  align-items: center;
  gap: 1rem;
  height: 40px;
}
.util-bar__item {
  display: inline-flex;
  align-items: center;
  gap: 0.45rem;
  color: rgba(255,255,255,0.92);
  font-weight: 500;
}
.util-bar__item .icon { color: var(--sky); width: 1.05rem; height: 1.05rem; }
a.util-bar__item:hover { color: var(--white); }
.util-bar__divider { width: 1px; height: 18px; background: rgba(255,255,255,0.18); }
.util-bar__spacer { flex: 1; }
.util-bar__badge {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  font-weight: 700;
  font-size: 0.8rem;
  color: var(--navy);
  background: var(--green);
  padding: 0.25rem 0.7rem;
  border-radius: var(--r-pill);
}
.util-bar__badge .icon { color: var(--navy); fill: var(--navy); width: 0.95rem; height: 0.95rem; }

/* Nav bar */
.nav-bar {
  display: flex;
  align-items: center;
  gap: 1.5rem;
  min-height: 76px;
}
.brand { display: inline-flex; align-items: center; flex: none; }
.brand img { height: 46px; width: auto; }

.nav { margin-left: auto; }
.nav__list { display: flex; align-items: center; gap: 0.35rem; }
.nav__item { position: relative; }

.nav__link {
  display: inline-flex;
  align-items: center;
  gap: 0.3rem;
  background: transparent;
  border: 0;
  color: var(--navy);
  font-family: var(--font-head);
  font-weight: 600;
  font-size: 1rem;
  padding: 0.6rem 0.9rem;
  border-radius: var(--r-pill);
  transition: background 0.2s var(--ease), color 0.2s var(--ease);
}
.nav__link:hover { background: var(--wash); color: var(--sky); }
.nav__caret { width: 1.05rem; height: 1.05rem; transition: transform 0.25s var(--ease); }
.nav__item.is-open .nav__caret { transform: rotate(180deg); }

/* Dropdown */
.dropdown {
  position: absolute;
  top: calc(100% + 10px);
  left: 50%;
  transform: translateX(-50%) translateY(8px);
  min-width: 320px;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--r-lg);
  box-shadow: var(--sh-lg);
  padding: 0.6rem;
  opacity: 0;
  visibility: hidden;
  transition: opacity 0.22s var(--ease), transform 0.22s var(--ease), visibility 0.22s;
}
.dropdown--narrow { min-width: 200px; }
.nav__item.is-open .dropdown {
  opacity: 1;
  visibility: visible;
  transform: translateX(-50%) translateY(0);
}
.dropdown::before {
  content: "";
  position: absolute;
  top: -7px; left: 50%;
  transform: translateX(-50%) rotate(45deg);
  width: 14px; height: 14px;
  background: var(--white);
  border-left: 1px solid var(--line);
  border-top: 1px solid var(--line);
}
.dropdown__link {
  display: flex;
  align-items: center;
  gap: 0.85rem;
  padding: 0.7rem 0.8rem;
  border-radius: var(--r-md);
  color: var(--text);
  transition: background 0.18s var(--ease);
}
.dropdown__link:hover { background: var(--wash); }
.dropdown__link strong { display: block; font-family: var(--font-head); color: var(--navy); font-size: 0.98rem; }
.dropdown__link small { display: block; color: var(--text-soft); font-size: 0.83rem; }
.dropdown__ico {
  display: grid;
  place-items: center;
  width: 40px; height: 40px;
  border-radius: 12px;
  background: var(--tint-soft);
  color: var(--tint);
  flex: none;
}
.dropdown__ico .icon { width: 1.2rem; height: 1.2rem; }
.dropdown__link--simple {
  display: block;
  font-family: var(--font-head);
  font-weight: 600;
  color: var(--navy);
  padding: 0.65rem 0.9rem;
}

.nav-actions { display: flex; align-items: center; gap: 0.75rem; }

/* Hamburger */
.hamburger {
  display: none;
  flex-direction: column;
  justify-content: center;
  gap: 5px;
  width: 46px; height: 46px;
  border: 1px solid var(--line);
  border-radius: 12px;
  background: var(--white);
  padding: 0 11px;
}
.hamburger span {
  display: block;
  height: 2.5px;
  background: var(--navy);
  border-radius: 2px;
  transition: transform 0.3s var(--ease), opacity 0.2s var(--ease);
}
.hamburger[aria-expanded="true"] span:nth-child(1) { transform: translateY(7.5px) rotate(45deg); }
.hamburger[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.hamburger[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7.5px) rotate(-45deg); }

/* Mobile nav */
.mobile-nav {
  display: none;
  padding: 1rem var(--gutter) 1.75rem;
  border-top: 1px solid var(--line);
  background: var(--white);
  animation: slideDown 0.3s var(--ease);
}
@keyframes slideDown { from { opacity: 0; transform: translateY(-10px); } to { opacity: 1; transform: translateY(0); } }
.mobile-nav__list { display: flex; flex-direction: column; gap: 0.25rem; margin-bottom: 1rem; }
.mobile-nav__list > li > a,
.mobile-nav__group > summary {
  display: block;
  padding: 0.85rem 0.5rem;
  font-family: var(--font-head);
  font-weight: 600;
  font-size: 1.1rem;
  color: var(--navy);
  border-bottom: 1px solid var(--line-soft);
}
.mobile-nav__group > summary { cursor: pointer; list-style: none; display: flex; justify-content: space-between; align-items: center; }
.mobile-nav__group > summary::-webkit-details-marker { display: none; }
.mobile-nav__group > summary::after {
  content: "+"; font-size: 1.4rem; color: var(--sky); font-weight: 400; line-height: 1;
}
.mobile-nav__group[open] > summary::after { content: "\2013"; }
.mobile-nav__group a {
  display: block;
  padding: 0.6rem 0.5rem 0.6rem 1.25rem;
  color: var(--text-soft);
  font-weight: 500;
}
.mobile-nav__group a:hover { color: var(--sky); }
.mobile-nav__call {
  display: block;
  text-align: center;
  margin-top: 0.9rem;
  font-family: var(--font-head);
  font-weight: 700;
  color: var(--navy);
}

/* =====================================================================
   HERO
   ===================================================================== */
.hero {
  position: relative;
  padding: clamp(3rem, 7vw, 6rem) 0 clamp(3.5rem, 8vw, 6.5rem);
  background:
    radial-gradient(60% 80% at 85% 10%, rgba(42,171,226,0.10), transparent 70%),
    radial-gradient(50% 60% at 10% 90%, rgba(141,198,65,0.10), transparent 70%),
    var(--grad-soft);
  overflow: hidden;
}
.hero__blob {
  position: absolute;
  top: -12%; right: -8%;
  width: 60vw; height: 60vw;
  max-width: 760px; max-height: 760px;
  background: var(--grad-sky-green);
  filter: blur(8px);
  opacity: 0.22;
  border-radius: 47% 53% 60% 40% / 45% 50% 50% 55%;
  animation: blobFloat 16s ease-in-out infinite;
  z-index: 0;
}
@keyframes blobFloat {
  0%, 100% { transform: translate(0,0) rotate(0deg); border-radius: 47% 53% 60% 40% / 45% 50% 50% 55%; }
  50% { transform: translate(-3%, 4%) rotate(8deg); border-radius: 55% 45% 42% 58% / 52% 42% 58% 48%; }
}
.hero__grid-fade {
  position: absolute; inset: 0;
  background-image:
    linear-gradient(rgba(4,38,80,0.035) 1px, transparent 1px),
    linear-gradient(90deg, rgba(4,38,80,0.035) 1px, transparent 1px);
  background-size: 44px 44px;
  mask-image: radial-gradient(70% 60% at 50% 35%, #000, transparent 80%);
  -webkit-mask-image: radial-gradient(70% 60% at 50% 35%, #000, transparent 80%);
  z-index: 0;
}
.hero__inner {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  gap: clamp(2rem, 5vw, 4rem);
  align-items: center;
}
.hero__content { max-width: 620px; }

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 0.55rem;
  background: var(--white);
  border: 1px solid var(--line);
  box-shadow: var(--sh-sm);
  color: var(--navy);
  font-weight: 600;
  font-size: 0.9rem;
  padding: 0.5rem 1rem 0.5rem 0.85rem;
  border-radius: var(--r-pill);
  margin-bottom: 1.5rem;
  line-height: 1.3;
}
.eyebrow__dot {
  width: 9px; height: 9px; border-radius: 50%;
  background: var(--green);
  box-shadow: 0 0 0 4px rgba(141,198,65,0.22);
  flex: none;
}
.hero__title {
  font-size: clamp(2.6rem, 5.4vw, 4.25rem);
  font-weight: 800;
  margin-bottom: 1.35rem;
}
.grad-text {
  background: var(--grad-sky-navy);
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
}
.hero__sub {
  font-size: clamp(1.0625rem, 0.5vw + 1rem, 1.2rem);
  color: var(--text-soft);
  max-width: 540px;
  margin-bottom: 2rem;
}
.hero__actions { display: flex; flex-wrap: wrap; gap: 0.9rem; margin-bottom: 2.25rem; }

.trust-strip {
  display: flex;
  flex-wrap: wrap;
  gap: 0.6rem 1.5rem;
  padding-top: 1.5rem;
  border-top: 1px solid var(--line);
}
.trust-strip li {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.92rem;
  font-weight: 600;
  color: var(--navy);
}
.trust-strip .icon { color: var(--green); fill: var(--green); width: 1.15rem; height: 1.15rem; }
.trust-strip li:first-child .icon { color: var(--gold); fill: var(--gold); }
.trust-strip li:last-child .icon { color: var(--sky); fill: none; }

/* Hero visual */
.hero__visual { position: relative; justify-self: center; width: 100%; max-width: 460px; }
.hero-card {
  position: relative;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--r-xl);
  box-shadow: var(--sh-lg);
  padding: 1.6rem 1.6rem 1.4rem;
  z-index: 2;
}
.hero-card__head { display: flex; justify-content: space-between; align-items: center; margin-bottom: 0.4rem; }
.hero-card__label { font-family: var(--font-head); font-weight: 700; color: var(--navy); font-size: 1.05rem; }
.hero-card__pill {
  font-size: 0.78rem; font-weight: 700; color: var(--white);
  background: var(--green); padding: 0.2rem 0.7rem; border-radius: var(--r-pill);
}
.hero-card__amount { display: flex; align-items: baseline; gap: 0.4rem; margin-bottom: 0.75rem; }
.hero-card__big { font-family: var(--font-head); font-weight: 800; font-size: 2.4rem; color: var(--navy); letter-spacing: -0.03em; }
.hero-card__per { color: var(--text-soft); font-size: 0.92rem; font-weight: 500; }
.hero-card__chart { height: 120px; margin: 0 -0.3rem 0.8rem; }
.hero-card__chart svg { width: 100%; height: 100%; }
.hero-card__line { stroke-dasharray: 460; stroke-dashoffset: 460; animation: drawLine 1.8s var(--ease) 0.4s forwards; }
@keyframes drawLine { to { stroke-dashoffset: 0; } }
.hero-card__legend { display: flex; gap: 1.25rem; font-size: 0.85rem; color: var(--text-soft); font-weight: 500; }
.hero-card__legend span { display: inline-flex; align-items: center; gap: 0.45rem; }
.dot { width: 10px; height: 10px; border-radius: 50%; display: inline-block; }
.dot--sky { background: var(--sky); }
.dot--green { background: var(--green); }

.float-chip {
  position: absolute;
  display: flex;
  align-items: center;
  gap: 0.6rem;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--r-md);
  box-shadow: var(--sh-md);
  padding: 0.7rem 1rem;
  z-index: 3;
  font-size: 0.92rem;
  color: var(--navy);
  font-weight: 500;
}
.float-chip strong { font-family: var(--font-head); }
.float-chip__ico {
  display: grid; place-items: center;
  width: 32px; height: 32px;
  border-radius: 10px;
  background: var(--tint-soft);
  color: var(--tint);
}
.float-chip__ico .icon { width: 1.1rem; height: 1.1rem; }
.float-chip--1 { top: -22px; left: -28px; animation: chipFloat 5s ease-in-out infinite; }
.float-chip--2 { bottom: -24px; right: -22px; animation: chipFloat 6s ease-in-out infinite 0.6s; }
@keyframes chipFloat { 0%,100% { transform: translateY(0); } 50% { transform: translateY(-10px); } }

/* =====================================================================
   STAT BAND
   ===================================================================== */
.stats { background: var(--navy); padding: clamp(2.5rem, 5vw, 3.5rem) 0; }
.stats__grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.5rem;
}
.stat { text-align: center; position: relative; }
.stat:not(:last-child)::after {
  content: ""; position: absolute; right: -0.75rem; top: 15%; height: 70%;
  width: 1px; background: rgba(255,255,255,0.14);
}
.stat__num {
  display: block;
  font-family: var(--font-head);
  font-weight: 800;
  font-size: clamp(2.4rem, 4vw, 3.25rem);
  line-height: 1;
  letter-spacing: -0.03em;
  background: var(--grad-sky-green);
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
  margin-bottom: 0.5rem;
}
.stat__label { color: rgba(255,255,255,0.78); font-size: 0.92rem; line-height: 1.45; }

/* =====================================================================
   SECTION SCAFFOLD
   ===================================================================== */
.section { padding: var(--space-section) 0; }
.section-head { max-width: 680px; margin: 0 auto clamp(2.5rem, 5vw, 3.75rem); text-align: center; }
.kicker {
  display: inline-block;
  font-family: var(--font-head);
  font-weight: 700;
  font-size: 0.82rem;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--sky);
  margin-bottom: 0.9rem;
}
.section-title {
  font-size: clamp(2rem, 3.6vw, 2.85rem);
  font-weight: 800;
  margin-bottom: 1rem;
}
.section-lead { color: var(--text-soft); font-size: 1.1rem; }

/* =====================================================================
   PILLARS
   ===================================================================== */
.pillars { background: var(--white); }
.pillars__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
}
.pillar-card {
  position: relative;
  display: flex;
  flex-direction: column;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--r-lg);
  padding: 2.25rem 2rem;
  box-shadow: var(--sh-sm);
  overflow: hidden;
  transition: transform 0.3s var(--ease), box-shadow 0.3s var(--ease), border-color 0.3s var(--ease);
}
.pillar-card::before {
  content: ""; position: absolute; inset: 0 0 auto 0; height: 4px;
  background: var(--tint);
  transform: scaleX(0); transform-origin: left;
  transition: transform 0.4s var(--ease);
}
.pillar-card:hover { transform: translateY(-8px); box-shadow: var(--sh-lg); border-color: transparent; }
.pillar-card:hover::before { transform: scaleX(1); }
.pillar-card__ico {
  display: grid; place-items: center;
  width: 60px; height: 60px;
  border-radius: 16px;
  background: var(--tint-soft);
  color: var(--tint);
  margin-bottom: 1.4rem;
  transition: transform 0.3s var(--ease);
}
.pillar-card__ico .icon { width: 1.7rem; height: 1.7rem; }
.pillar-card:hover .pillar-card__ico { transform: scale(1.08) rotate(-4deg); }
.pillar-card__title { font-size: 1.45rem; margin-bottom: 0.65rem; }
.pillar-card__body { color: var(--text-soft); margin-bottom: 1.5rem; flex: 1; }
.pillar-card__link {
  display: inline-flex; align-items: center; gap: 0.45rem;
  font-family: var(--font-head); font-weight: 700; color: var(--navy);
}
.pillar-card__link .icon { color: var(--tint); transition: transform 0.25s var(--ease); }
.pillar-card:hover .pillar-card__link .icon { transform: translateX(5px); }

/* =====================================================================
   WHY / VALUE
   ===================================================================== */
.why { background: var(--wash); }
.why__inner {
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  gap: clamp(2rem, 5vw, 4.5rem);
  align-items: center;
}
.why-panel {
  position: relative;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--r-xl);
  box-shadow: var(--sh-md);
  padding: 2rem;
  display: flex;
  flex-direction: column;
  gap: 0.9rem;
}
.why-panel::after {
  content: ""; position: absolute; inset: auto -14px -14px auto; width: 70%; height: 70%;
  background: var(--grad-sky-green); opacity: 0.10; border-radius: var(--r-xl);
  z-index: -1;
}
.why-panel__row {
  display: flex; align-items: center; gap: 0.85rem;
  font-family: var(--font-head); font-weight: 600; color: var(--navy); font-size: 1.02rem;
}
.why-panel__ico {
  display: grid; place-items: center; width: 30px; height: 30px;
  border-radius: 9px; background: var(--tint-soft); color: var(--tint); flex: none;
}
.why-panel__ico .icon { width: 1rem; height: 1rem; }
.why-panel__seal {
  margin-top: 0.6rem; padding-top: 1.2rem; border-top: 1px solid var(--line);
}
.why-panel__sealnum {
  display: block; font-family: var(--font-head); font-weight: 800;
  font-size: 1.5rem; color: var(--navy); letter-spacing: -0.02em;
  background: var(--grad-sky-navy); -webkit-background-clip: text; background-clip: text; color: transparent;
}
.why-panel__sealtxt { color: var(--text-soft); font-size: 0.92rem; }

.why__body { color: var(--text-soft); margin-bottom: 1.1rem; }
.why__actions { display: flex; flex-wrap: wrap; align-items: center; gap: 1rem; margin-top: 0.75rem; }

/* =====================================================================
   INSIGHTS
   ===================================================================== */
.insights { background: var(--white); }
.insights__grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.75rem; }
.insight-card {
  display: flex;
  flex-direction: column;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--r-lg);
  overflow: hidden;
  box-shadow: var(--sh-sm);
  transition: transform 0.3s var(--ease), box-shadow 0.3s var(--ease);
}
.insight-card:hover { transform: translateY(-8px); box-shadow: var(--sh-lg); }
.insight-card__top {
  position: relative;
  height: 130px;
  display: grid; place-items: center;
  background: var(--tint-soft);
  color: var(--tint);
  overflow: hidden;
}
.insight-card__top::after {
  content: ""; position: absolute; inset: 0;
  background: radial-gradient(120% 120% at 80% 0%, color-mix(in srgb, var(--tint) 18%, transparent), transparent 60%);
}
.insight-card__art { width: 3rem; height: 3rem; opacity: 0.9; position: relative; z-index: 1; }
.insight-card__tag {
  position: absolute; top: 0.9rem; left: 0.9rem; z-index: 2;
  font-size: 0.74rem; font-weight: 700; letter-spacing: 0.04em; text-transform: uppercase;
  background: var(--white); color: var(--navy);
  padding: 0.3rem 0.7rem; border-radius: var(--r-pill);
  box-shadow: var(--sh-xs);
}
.insight-card__body { padding: 1.6rem 1.6rem 1.75rem; display: flex; flex-direction: column; flex: 1; }
.insight-card__title { font-size: 1.25rem; margin-bottom: 0.65rem; line-height: 1.25; }
.insight-card__body p { color: var(--text-soft); font-size: 0.98rem; margin-bottom: 1.35rem; flex: 1; }
.insight-card__link {
  display: inline-flex; align-items: center; gap: 0.45rem;
  font-family: var(--font-head); font-weight: 700; color: var(--sky);
}
.insight-card__link .icon { transition: transform 0.25s var(--ease); }
.insight-card:hover .insight-card__link .icon { transform: translateX(5px); }

/* =====================================================================
   LIFE TYPES
   ===================================================================== */
.types { background: var(--wash); }
.types__grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1.5rem; }
.type-card {
  position: relative;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--r-lg);
  padding: 1.85rem 1.6rem;
  box-shadow: var(--sh-sm);
  transition: transform 0.3s var(--ease), box-shadow 0.3s var(--ease);
  overflow: hidden;
}
.type-card::before {
  content: ""; position: absolute; left: 0; top: 0; bottom: 0; width: 4px;
  background: var(--tint);
}
.type-card:hover { transform: translateY(-6px); box-shadow: var(--sh-md); }
.type-card__num {
  display: block;
  font-family: var(--font-head); font-weight: 800; font-size: 1.05rem;
  color: var(--tint); margin-bottom: 0.9rem; letter-spacing: 0.02em;
}
.type-card__title { font-size: 1.25rem; margin-bottom: 0.6rem; }
.type-card p { color: var(--text-soft); font-size: 0.96rem; }

/* =====================================================================
   TEAM
   ===================================================================== */
.team { background: var(--white); }
.team__grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1.5rem; }
.team-card {
  text-align: center;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--r-lg);
  padding: 2.25rem 1.5rem;
  box-shadow: var(--sh-sm);
  transition: transform 0.3s var(--ease), box-shadow 0.3s var(--ease);
}
.team-card:hover { transform: translateY(-6px); box-shadow: var(--sh-md); }
.avatar {
  display: grid; place-items: center;
  width: 86px; height: 86px;
  margin: 0 auto 1.25rem;
  border-radius: 50%;
  font-family: var(--font-head); font-weight: 800; font-size: 1.7rem;
  color: var(--white);
  letter-spacing: 0.01em;
  position: relative;
}
.avatar[data-tint="navy"]  { background: var(--grad-sky-navy); }
.avatar[data-tint="sky"]   { background: linear-gradient(135deg, #34b6ec 0%, #1d8cc0 100%); }
.avatar[data-tint="green"] { background: linear-gradient(135deg, #9ad14f 0%, #6ea22e 100%); }
.avatar[data-tint="gold"]  { background: linear-gradient(135deg, #d6b25e 0%, #b08a37 100%); }
.avatar::after {
  content: ""; position: absolute; inset: -6px; border-radius: 50%;
  border: 2px dashed var(--line); z-index: -1;
}
.team-card__name { font-size: 1.2rem; margin-bottom: 0.35rem; }
.team-card__role { color: var(--text-soft); font-size: 0.92rem; line-height: 1.45; }

/* =====================================================================
   TESTIMONIALS
   ===================================================================== */
.testimonials { background: var(--wash); }
.testimonials__grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.75rem; }
.quote-card {
  margin: 0;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--r-lg);
  padding: 2rem;
  box-shadow: var(--sh-sm);
  position: relative;
  transition: transform 0.3s var(--ease), box-shadow 0.3s var(--ease);
}
.quote-card::before {
  content: "\201C";
  position: absolute; top: 0.4rem; right: 1.5rem;
  font-family: Georgia, serif; font-size: 5rem; line-height: 1;
  color: var(--tint, var(--sky)); opacity: 0.12;
}
.quote-card:hover { transform: translateY(-6px); box-shadow: var(--sh-md); }
.quote-card__stars { color: var(--gold); font-size: 1.15rem; letter-spacing: 0.1em; margin-bottom: 1rem; }
.quote-card blockquote {
  margin: 0 0 1.35rem;
  font-family: var(--font-head);
  font-weight: 600;
  font-size: 1.12rem;
  line-height: 1.5;
  color: var(--navy);
}
.quote-card__badge {
  display: inline-flex; align-items: center; gap: 0.4rem;
  font-size: 0.82rem; font-weight: 700; color: var(--green);
}
.quote-card__badge::before {
  content: ""; width: 16px; height: 16px; border-radius: 50%;
  background: var(--green);
  -webkit-mask: url('data:image/svg+xml;utf8,<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path fill="white" d="M20 6L9 17l-5-5"/></svg>') center / 70% no-repeat;
  mask: url('data:image/svg+xml;utf8,<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><path fill="white" d="M20 6L9 17l-5-5"/></svg>') center / 70% no-repeat;
}

/* =====================================================================
   CTA BAND
   ===================================================================== */
.cta-band {
  position: relative;
  background: var(--grad-sky-navy);
  color: var(--white);
  padding: clamp(3.5rem, 7vw, 5.5rem) 0;
  overflow: hidden;
}
.cta-band__blob {
  position: absolute; top: -40%; left: -10%;
  width: 50vw; height: 50vw; max-width: 620px; max-height: 620px;
  background: radial-gradient(circle, rgba(141,198,65,0.55), transparent 65%);
  filter: blur(10px);
  border-radius: 50%;
}
.cta-band__inner { position: relative; z-index: 1; text-align: center; max-width: 720px; margin-inline: auto; }
.cta-band__title { color: var(--white); font-size: clamp(2rem, 4vw, 3rem); font-weight: 800; margin-bottom: 0.9rem; }
.cta-band__sub { color: rgba(255,255,255,0.88); font-size: 1.15rem; margin-bottom: 2rem; }
.cta-band__actions { display: flex; flex-wrap: wrap; justify-content: center; gap: 1rem; }

/* =====================================================================
   FOOTER
   ===================================================================== */
.site-footer { background: var(--near-black-navy); color: rgba(255,255,255,0.72); }
.site-footer__grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1.3fr;
  gap: clamp(2rem, 4vw, 3.5rem);
  padding: clamp(3rem, 6vw, 4.5rem) var(--gutter) clamp(2.5rem, 4vw, 3rem);
}
.site-footer__logo-wrap {
  display: inline-block;
  background: var(--white);
  border-radius: var(--r-md);
  padding: 0.85rem 1.1rem;
  margin-bottom: 1.1rem;
}
.site-footer__logo-wrap img { height: 48px; width: auto; }
.site-footer__tag {
  font-family: var(--font-head); font-style: italic; font-weight: 500;
  color: var(--sky); font-size: 1.05rem; margin-bottom: 1.25rem;
}
.site-footer__bbb {
  display: inline-flex; align-items: center; gap: 0.5rem;
  font-size: 0.85rem; font-weight: 700; color: var(--white);
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.14);
  padding: 0.45rem 0.9rem; border-radius: var(--r-pill);
}
.site-footer__bbb .icon { color: var(--gold); fill: var(--gold); width: 1.1rem; height: 1.1rem; }

.site-footer__col h3 {
  color: var(--white); font-size: 0.95rem; letter-spacing: 0.08em; text-transform: uppercase;
  margin-bottom: 1.1rem;
}
.site-footer__col ul { display: flex; flex-direction: column; gap: 0.7rem; }
.site-footer__col a { color: rgba(255,255,255,0.72); font-size: 0.98rem; transition: color 0.2s var(--ease); }
.site-footer__col a:hover { color: var(--sky); }
.site-footer__contact address { font-style: normal; display: flex; flex-direction: column; gap: 0.7rem; }
.site-footer__contact a, .site-footer__contact span { color: rgba(255,255,255,0.72); font-size: 0.98rem; }
.site-footer__contact a:hover { color: var(--sky); }

.site-footer__bottom { border-top: 1px solid rgba(255,255,255,0.10); }
.site-footer__bottom-inner {
  display: flex; flex-wrap: wrap; justify-content: space-between; gap: 0.5rem 2rem;
  padding-block: 1.5rem; font-size: 0.85rem;
}
.site-footer__bottom-inner p { color: rgba(255,255,255,0.55); }
.site-footer__disclaimer { max-width: 560px; }

/* =====================================================================
   SCROLL REVEAL
   ===================================================================== */
.reveal {
  opacity: 0;
  transform: translateY(28px);
  transition: opacity 0.7s var(--ease), transform 0.7s var(--ease);
  will-change: opacity, transform;
}
.reveal.is-visible { opacity: 1; transform: none; }
/* Stagger children within a grid */
.pillars__grid .reveal:nth-child(2),
.insights__grid .reveal:nth-child(2),
.types__grid .reveal:nth-child(2),
.team__grid .reveal:nth-child(2),
.testimonials__grid .reveal:nth-child(2) { transition-delay: 0.1s; }
.pillars__grid .reveal:nth-child(3),
.insights__grid .reveal:nth-child(3),
.types__grid .reveal:nth-child(3),
.team__grid .reveal:nth-child(3),
.testimonials__grid .reveal:nth-child(3) { transition-delay: 0.2s; }
.types__grid .reveal:nth-child(4),
.team__grid .reveal:nth-child(4) { transition-delay: 0.3s; }

@media (prefers-reduced-motion: reduce) {
  .reveal { opacity: 1; transform: none; transition: none; }
  .hero__blob, .float-chip, .hero-card__line { animation: none; }
  .hero-card__line { stroke-dashoffset: 0; }
}

/* =====================================================================
   RESPONSIVE
   ===================================================================== */
@media (max-width: 1040px) {
  .hero__inner { grid-template-columns: 1fr; }
  .hero__content { max-width: 640px; }
  .hero__visual { margin-top: 1rem; max-width: 420px; }
  .why__inner { grid-template-columns: 1fr; }
  .why__media { order: 2; }
  .types__grid { grid-template-columns: repeat(2, 1fr); }
  .team__grid { grid-template-columns: repeat(2, 1fr); }
  .stats__grid { grid-template-columns: repeat(2, 1fr); gap: 2rem 1.5rem; }
  .stat:nth-child(2)::after { display: none; }
}

@media (max-width: 860px) {
  .nav { display: none; }
  .nav-actions .btn--sm { display: none; }
  .hamburger { display: flex; }
  .mobile-nav.is-open { display: block; }
  .pillars__grid { grid-template-columns: 1fr; }
  .insights__grid { grid-template-columns: 1fr; }
  .testimonials__grid { grid-template-columns: 1fr; }
  .site-footer__grid { grid-template-columns: 1fr 1fr; }
  .stat::after { display: none !important; }
}

@media (max-width: 560px) {
  .util-bar__item span:not([class]) { font-size: 0.8rem; }
  .util-bar__divider, .util-bar__item:nth-child(3) { display: none; }
  .types__grid { grid-template-columns: 1fr; }
  .team__grid { grid-template-columns: 1fr; }
  .stats__grid { grid-template-columns: 1fr; }
  .site-footer__grid { grid-template-columns: 1fr; }
  .hero__actions .btn { width: 100%; }
  .float-chip--1 { left: -8px; }
  .float-chip--2 { right: -6px; }
}