/* SmartAI Capital - Panama flag palette (blue / red / white), light theme.
   Tokens first, then base, layout, components, pages, responsive. */

@font-face {
  font-family: "Plus Jakarta Sans";
  src: url("../fonts/plus-jakarta-sans-latin.woff2") format("woff2");
  font-weight: 200 800;
  font-style: normal;
  font-display: swap;
}

:root {
  --accent: #0f4c97;
  --accent-hover: #0b3b78;
  --accent-tint: #e6eef9;
  --flag-red: #c8102e;
  --flag-red-hover: #a50d26;
  --red-tint: #fbe9ec;
  --bg: #f7f9fc;
  --surface: #ffffff;
  --surface-2: #eef2f8;
  --border: #d9e1ec;
  --text: #0d1b2e;
  --text-muted: #46566d;
  --ok: #0f7a56;
  --ok-tint: #e3f4ed;
  --navy: #0a2f5e;

  --font-display: "Plus Jakarta Sans", "Segoe UI", system-ui, -apple-system, "Helvetica Neue", Arial, sans-serif;
  --font-body: "Plus Jakarta Sans", "Segoe UI", system-ui, -apple-system, "Helvetica Neue", Arial, sans-serif;

  --radius-sm: 8px;
  --radius: 14px;
  --radius-lg: 20px;
  --shadow-sm: 0 1px 2px rgba(10, 47, 94, .08), 0 2px 6px rgba(10, 47, 94, .05);
  --shadow-md: 0 1px 2px rgba(10, 47, 94, .06), 0 10px 28px rgba(10, 47, 94, .10);
  --shadow-lg: 0 2px 6px rgba(10, 47, 94, .08), 0 24px 56px rgba(10, 47, 94, .18);
  --ease: cubic-bezier(.2, .6, .2, 1);
  --header-h: 68px;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: calc(var(--header-h) + 16px); -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  background: var(--bg);
  color: var(--text);
  font-family: var(--font-body);
  font-size: 1rem;
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}
img, svg, iframe, video, canvas { max-width: 100%; }
img { height: auto; }
a { color: var(--accent); text-underline-offset: 3px; }
a:hover { color: var(--accent-hover); }
h1, h2, h3, h4 { font-family: var(--font-display); line-height: 1.18; letter-spacing: -.02em; margin: 0 0 .6em; color: var(--text); text-wrap: balance; }
h1 { font-size: clamp(1.9rem, 1.2rem + 2.6vw, 3rem); font-weight: 780; }
h2 { font-size: clamp(1.5rem, 1.1rem + 1.4vw, 2.15rem); font-weight: 740; }
h3 { font-size: 1.15rem; font-weight: 700; }
p { margin: 0 0 1em; }
ul, ol { padding-left: 1.2em; margin: 0 0 1em; }
:focus-visible { outline: 3px solid var(--accent); outline-offset: 2px; border-radius: 4px; }
.skip-link { position: absolute; left: 12px; top: -60px; background: var(--accent); color: #fff; padding: 10px 14px; border-radius: var(--radius-sm); z-index: 200; transition: top .15s var(--ease); }
.skip-link:focus { top: 10px; color: #fff; }
.icon { display: inline-block; flex: none; vertical-align: middle; }
.visually-hidden { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }

/* ---- layout ---- */
.container { width: 100%; max-width: 1200px; margin-inline: auto; padding-inline: clamp(16px, 4vw, 40px); }
.section { padding-block: clamp(48px, 6vw, 88px); position: relative; }
.section--tint { background: var(--surface-2); }
.section--white { background: var(--surface); }
.section--deco {
  background-color: var(--surface-2);
  background-image:
    radial-gradient(900px 340px at 90% -10%, rgba(15, 76, 151, .10), transparent 70%),
    radial-gradient(700px 300px at 0% 110%, rgba(200, 16, 46, .07), transparent 70%),
    url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='56' height='56'%3E%3Cpath d='M56 0H0v56' fill='none' stroke='%230f4c97' stroke-opacity='.07'/%3E%3C/svg%3E");
}
.section--nodes {
  background-color: var(--surface);
  background-image:
    radial-gradient(circle at 20% 30%, rgba(15, 76, 151, .08) 0 2px, transparent 3px),
    radial-gradient(circle at 70% 60%, rgba(200, 16, 46, .08) 0 2px, transparent 3px),
    url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='160' height='120'%3E%3Cg stroke='%230f4c97' stroke-opacity='.10' fill='%230f4c97' fill-opacity='.14'%3E%3Cpath d='M10 20L60 70L120 30L150 90' fill='none'/%3E%3Ccircle cx='10' cy='20' r='3'/%3E%3Ccircle cx='60' cy='70' r='3'/%3E%3Ccircle cx='120' cy='30' r='3'/%3E%3Ccircle cx='150' cy='90' r='3'/%3E%3C/g%3E%3C/svg%3E");
  background-size: 120px 120px, 160px 160px, 160px 120px;
}
.section-head { max-width: 760px; margin-bottom: clamp(24px, 3vw, 40px); }
.section-head p { color: var(--text-muted); font-size: 1.05rem; margin-bottom: 0; }
.section-head--center { margin-inline: auto; text-align: center; }
.eyebrow { display: inline-flex; align-items: center; gap: 8px; font-size: .78rem; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; color: var(--accent); margin-bottom: 12px; }
.eyebrow::before { content: ""; width: 18px; height: 3px; border-radius: 2px; background: var(--flag-red); }
.lead { font-size: 1.12rem; color: var(--text-muted); }
.muted { color: var(--text-muted); }
.grid { display: grid; gap: clamp(16px, 2vw, 24px); }
.grid--auto { grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); }
.grid--2 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
.grid--stagger { grid-template-columns: repeat(12, minmax(0, 1fr)); }
.split { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: clamp(24px, 4vw, 56px); align-items: center; }
.split--wide-left { grid-template-columns: minmax(0, 1.15fr) minmax(0, .85fr); }
.stack > * + * { margin-top: 1rem; }

/* ---- buttons ---- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  min-height: 48px; padding: 0 22px; border-radius: 12px; border: 2px solid transparent;
  font: 700 1rem/1 var(--font-display); text-decoration: none; cursor: pointer; white-space: nowrap;
  transition: background-color .16s var(--ease), border-color .16s var(--ease), transform .16s var(--ease), box-shadow .16s var(--ease), color .16s var(--ease);
}
.btn--primary { background: var(--accent); color: #fff; box-shadow: var(--shadow-sm); }
.btn--primary:hover { background: var(--accent-hover); color: #fff; transform: translateY(-1px); box-shadow: var(--shadow-md); }
.btn--primary:active { transform: translateY(0); box-shadow: var(--shadow-sm); }
.btn--red { background: var(--flag-red); color: #fff; box-shadow: var(--shadow-sm); }
.btn--red:hover { background: var(--flag-red-hover); color: #fff; transform: translateY(-1px); box-shadow: var(--shadow-md); }
.btn--red:active { transform: translateY(0); }
.btn--ghost { background: transparent; color: var(--accent); border-color: var(--accent); }
.btn--ghost:hover { background: var(--accent-tint); color: var(--accent-hover); }
.btn--ghost:active { background: #d4e2f5; }
.btn--sm { min-height: 42px; padding: 0 18px; font-size: .95rem; }
.btn--lg { min-height: 56px; padding: 0 30px; font-size: 1.05rem; }
.btn--block { width: 100%; }

/* ---- header ---- */
.site-header { position: sticky; top: 0; z-index: 100; background: rgba(255, 255, 255, .94); backdrop-filter: saturate(1.4) blur(10px); border-bottom: 1px solid var(--border); transition: box-shadow .2s var(--ease), background-color .2s var(--ease); }
.site-header.is-scrolled { box-shadow: var(--shadow-md); background: rgba(255, 255, 255, .98); }
.header__inner { display: flex; align-items: center; justify-content: space-between; gap: 20px; min-height: var(--header-h); }
.logo { display: inline-flex; align-items: center; text-decoration: none; color: var(--text); flex: none; }
.logo__svg { display: block; height: 35px; width: auto; }
.site-nav { display: flex; align-items: center; gap: 18px; }
.nav__list { display: flex; align-items: center; gap: 2px; list-style: none; margin: 0; padding: 0; }
.nav__item { position: relative; }
.nav__trigger, .nav__link {
  display: inline-flex; align-items: center; gap: 6px; padding: 10px 12px; border-radius: 10px; border: 0; background: none;
  font: 600 .95rem/1 var(--font-display); color: var(--text); cursor: pointer; text-decoration: none;
  transition: background-color .15s var(--ease), color .15s var(--ease);
}
.nav__trigger:hover, .nav__link:hover, .has-sub.is-open > .nav__trigger { background: var(--accent-tint); color: var(--accent); }
.nav__caret { width: 16px; height: 16px; transition: transform .18s var(--ease); }
.has-sub.is-open > .nav__trigger .nav__caret { transform: rotate(180deg); }
.nav__sub {
  position: absolute; top: calc(100% + 10px); left: 0; z-index: 110; min-width: 250px; margin: 0; padding: 8px; list-style: none;
  background: var(--surface); border: 1px solid var(--border); border-radius: var(--radius); box-shadow: var(--shadow-md);
  opacity: 0; visibility: hidden; transform: translateY(6px); transition: opacity .15s var(--ease), transform .15s var(--ease), visibility 0s linear .15s;
}
.nav__sub::before { content: ""; position: absolute; top: -7px; left: 24px; width: 12px; height: 12px; background: var(--surface); border-left: 1px solid var(--border); border-top: 1px solid var(--border); transform: rotate(45deg); }
.nav__sub.is-right { left: auto; right: 0; }
.nav__sub.is-right::before { left: auto; right: 24px; }
.has-sub.is-open > .nav__sub { opacity: 1; visibility: visible; transform: translateY(0); transition-delay: 0s; }
.nav__sub a { display: block; padding: 10px 12px; border-radius: var(--radius-sm); color: var(--text); text-decoration: none; font-weight: 550; font-size: .94rem; line-height: 1.3; transition: background-color .12s var(--ease), color .12s var(--ease); }
.nav__sub a:hover, .nav__sub a:focus-visible { background: var(--accent-tint); color: var(--accent); }
.has-sub--wide .nav__sub { min-width: 540px; display: grid; grid-template-columns: 1fr 1fr; gap: 2px 8px; }
.nav-toggle { display: none; width: 46px; height: 46px; border-radius: 12px; border: 1px solid var(--border); background: var(--surface); color: var(--text); cursor: pointer; align-items: center; justify-content: center; }
.nav-toggle .nav-toggle__close { display: none; }
.nav-toggle[aria-expanded="true"] .nav-toggle__open { display: none; }
.nav-toggle[aria-expanded="true"] .nav-toggle__close { display: inline-flex; }
.nav-toggle .nav-toggle__open, .nav-toggle .nav-toggle__close { display: inline-flex; }
.nav-toggle[aria-expanded="false"] .nav-toggle__close { display: none; }

/* ---- breadcrumbs ---- */
.breadcrumbs { background: var(--surface); border-bottom: 1px solid var(--border); font-size: .88rem; }
.breadcrumbs ol { list-style: none; display: flex; flex-wrap: wrap; gap: 4px 8px; margin: 0; padding: 12px 0; }
.breadcrumbs li + li::before { content: "/"; margin-right: 8px; color: var(--border); }
.breadcrumbs a { color: var(--text-muted); text-decoration: none; }
.breadcrumbs a:hover { color: var(--accent); text-decoration: underline; }
.breadcrumbs [aria-current] { color: var(--text); font-weight: 600; }

/* ---- hero ---- */
.hero { position: relative; overflow: hidden; background: var(--bg); isolation: isolate; }
.hero__bg { position: absolute; inset: 0; z-index: -1; will-change: transform; }
.hero__bg img.hero__img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; object-position: right bottom; }
.hero__motif { position: absolute; inset: 0; width: 100%; height: 100%; }
.hero::after { content: ""; position: absolute; inset: 0; z-index: -1; background: linear-gradient(90deg, rgba(247, 249, 252, .98) 0%, rgba(247, 249, 252, .95) 46%, rgba(247, 249, 252, .55) 62%, rgba(247, 249, 252, 0) 84%); pointer-events: none; }
.hero__inner {
  display: grid; gap: 0 clamp(24px, 4vw, 56px); align-items: start;
  grid-template-columns: minmax(0, 1.1fr) minmax(0, .9fr);
  grid-template-areas: "head form" "extra form";
  padding-block: clamp(36px, 5vw, 72px) clamp(40px, 5vw, 80px);
}
.hero__head { grid-area: head; }
.hero__extra { grid-area: extra; }
.hero__form { grid-area: form; }
.hero--page .hero__inner { padding-block: clamp(32px, 4vw, 56px) clamp(36px, 4vw, 64px); }
.hero--page::after { background: linear-gradient(90deg, rgba(247, 249, 252, .97) 0%, rgba(247, 249, 252, .9) 45%, rgba(247, 249, 252, .5) 100%); }
.hero--page .hero__img { opacity: .55; }
.hero__lead { font-size: 1.1rem; color: var(--text); max-width: 60ch; }
.hero__lead + .hero__lead { color: var(--text-muted); font-size: 1rem; }
.hero__ctas { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 8px; }
.hero__points { list-style: none; padding: 0; margin: 20px 0 0; display: grid; gap: 10px; }
.hero__points li { display: flex; gap: 10px; align-items: flex-start; font-weight: 600; }
.hero__points .icon { color: var(--ok); margin-top: 3px; width: 20px; height: 20px; }

.office-line { display: flex; flex-wrap: wrap; align-items: center; gap: 10px 14px; margin: 22px 0 0; }
.office-line__label { font-weight: 650; font-size: .95rem; color: var(--text-muted); }
.flag-chip { display: inline-flex; align-items: center; gap: 10px; padding: 6px 14px 6px 8px; border-radius: 999px; background: var(--surface); border: 1px solid var(--border); box-shadow: var(--shadow-sm); font-weight: 700; font-size: .92rem; }
.flag-chip svg { display: block; border-radius: 3px; box-shadow: 0 0 0 1px rgba(10, 47, 94, .15); }
.trust-links { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 12px; margin-top: 22px; max-width: 520px; }
.trust-link { display: flex; align-items: center; gap: 12px; padding: 12px 14px; border-radius: var(--radius); background: var(--surface); border: 1px solid var(--border); box-shadow: var(--shadow-sm); color: var(--text); text-decoration: none; font-weight: 700; font-size: .95rem; line-height: 1.25; transition: transform .16s var(--ease), box-shadow .16s var(--ease), border-color .16s var(--ease); }
.trust-link:hover { transform: translateY(-2px); box-shadow: var(--shadow-md); border-color: var(--accent); color: var(--text); }

/* ---- icon badge / cards ---- */
.icon-badge { display: inline-flex; align-items: center; justify-content: center; width: 48px; height: 48px; flex: none; border-radius: 13px; background: var(--accent-tint); color: var(--accent); }
.icon-badge--red { background: var(--red-tint); color: var(--flag-red); }
.icon-badge--ok { background: var(--ok-tint); color: var(--ok); }
.icon-badge--round { border-radius: 50%; }
.card { background: var(--surface); border: 1px solid var(--border); border-radius: var(--radius-lg); padding: clamp(18px, 2vw, 26px); box-shadow: var(--shadow-md); transition: transform .18s var(--ease), box-shadow .18s var(--ease); }
.card:hover { transform: translateY(-2px); box-shadow: var(--shadow-lg); }
.card h3 { display: flex; align-items: center; gap: 12px; margin-bottom: .5em; }
.card p:last-child { margin-bottom: 0; }
.card p, .card li { color: var(--text-muted); }
.card--link { text-decoration: none; color: inherit; display: block; }
.card--accent { background: linear-gradient(160deg, var(--navy), var(--accent)); color: #fff; border-color: transparent; }
.card--accent h3, .card--accent p, .card--accent li { color: #fff; }
.card--accent .icon-badge { background: rgba(255, 255, 255, .16); color: #fff; }
.card--warn { border-left: 5px solid var(--flag-red); }
.card--tall { grid-column: span 6; }
.card--wide { grid-column: span 7; }
.card--narrow { grid-column: span 5; }
.card--third { grid-column: span 4; }
.card-stack { display: grid; gap: 14px; }
.row-card { display: flex; gap: 16px; align-items: flex-start; padding: 18px; background: var(--surface); border: 1px solid var(--border); border-radius: var(--radius); box-shadow: var(--shadow-sm); transition: transform .16s var(--ease), box-shadow .16s var(--ease); }
.row-card:hover { transform: translateY(-2px); box-shadow: var(--shadow-md); }
.row-card h3 { margin-bottom: .25em; font-size: 1.05rem; }
.row-card p { margin: 0; color: var(--text-muted); }

/* ---- steps ---- */
.steps { list-style: none; margin: 0; padding: 0; display: grid; gap: 16px; counter-reset: step; }
.steps--row { grid-template-columns: repeat(auto-fit, minmax(230px, 1fr)); }
.steps li { position: relative; padding: 20px 20px 20px 20px; background: var(--surface); border: 1px solid var(--border); border-radius: var(--radius-lg); box-shadow: var(--shadow-md); counter-increment: step; }
.steps li::before { content: counter(step); display: inline-flex; align-items: center; justify-content: center; width: 32px; height: 32px; border-radius: 50%; background: var(--accent); color: #fff; font: 800 .95rem/1 var(--font-display); margin-bottom: 12px; }
.steps li:nth-child(4)::before { background: var(--flag-red); }
.steps h3 { margin-bottom: .35em; }
.steps p { margin: 0; color: var(--text-muted); }
.steps--list li { display: grid; grid-template-columns: 32px 1fr; gap: 0 14px; }
.steps--list li::before { margin: 2px 0 0; grid-row: span 2; }

/* ---- tables ---- */
.table-wrap { overflow-x: auto; border: 1px solid var(--border); border-radius: var(--radius); background: var(--surface); box-shadow: var(--shadow-md); }
.table-wrap table { width: 100%; border-collapse: collapse; min-width: 560px; }
.table-wrap th, .table-wrap td { padding: 14px 16px; text-align: left; vertical-align: top; border-bottom: 1px solid var(--border); font-size: .95rem; }
.table-wrap thead th { background: var(--surface-2); font-weight: 700; color: var(--text); white-space: nowrap; }
.table-wrap tbody tr:last-child td, .table-wrap tbody tr:last-child th { border-bottom: 0; }
.table-wrap tbody tr:nth-child(even) { background: #fafbfd; }
.table-wrap tbody th { font-weight: 650; }
.table-wrap td { color: var(--text-muted); }
.table-wrap td strong, .table-wrap td b { color: var(--text); }
.table-caption { margin: 0 0 12px; font-weight: 700; }
.table-note { margin: 12px 0 0; color: var(--text-muted); font-size: .92rem; }
.compare { min-width: 600px; }
.compare .col-offer { background: var(--accent-tint); }
.compare thead .col-offer { background: var(--accent); color: #fff; }
.mark { display: inline-flex; width: 28px; height: 28px; align-items: center; justify-content: center; border-radius: 50%; }
.mark--yes { background: var(--ok-tint); color: var(--ok); }
.mark--no { background: var(--red-tint); color: var(--flag-red); }
.mark .icon { width: 18px; height: 18px; stroke-width: 2.4; }

/* ---- exchanges ---- */
.exchange-row { display: grid; grid-template-columns: repeat(auto-fit, minmax(170px, 1fr)); gap: 14px; }
.exchange { display: flex; align-items: center; justify-content: center; gap: 10px; min-height: 76px; padding: 14px 18px; background: var(--surface); border: 1px solid var(--border); border-radius: var(--radius); box-shadow: var(--shadow-sm); color: var(--navy); opacity: .92; transition: transform .16s var(--ease), box-shadow .16s var(--ease), opacity .16s var(--ease); }
.exchange:hover { opacity: 1; transform: translateY(-2px); box-shadow: var(--shadow-md); }
.exchange svg { height: 34px; width: auto; max-width: 100%; }

/* ---- reviews ---- */
.review { display: flex; flex-direction: column; gap: 14px; }
.review__head { display: flex; align-items: center; gap: 14px; }
.review__photo { width: 64px; height: 64px; border-radius: 50%; object-fit: cover; border: 2px solid var(--surface); box-shadow: 0 0 0 2px var(--accent-tint); flex: none; }
.review__name { font-weight: 750; margin: 0; line-height: 1.25; }
.review__job { margin: 0; color: var(--text-muted); font-size: .9rem; }
.review__quote { margin: 0; color: var(--text); }
.review__stats { margin-top: auto; display: grid; grid-template-columns: repeat(3, 1fr); gap: 8px; padding: 12px; border-radius: var(--radius); background: var(--surface-2); }
.review__stats dt { font-size: .72rem; text-transform: uppercase; letter-spacing: .05em; color: var(--text-muted); font-weight: 700; }
.review__stats dd { margin: 2px 0 0; font-weight: 750; font-size: .95rem; color: var(--text); }
.review__stats dd.is-profit { color: var(--ok); }
.reviews-note { margin-top: 20px; font-size: .9rem; color: var(--text-muted); }

/* ---- faq ---- */
.faq { display: grid; gap: 12px; }
.faq details { background: var(--surface); border: 1px solid var(--border); border-radius: var(--radius); box-shadow: var(--shadow-sm); transition: box-shadow .16s var(--ease); }
.faq details[open] { box-shadow: var(--shadow-md); border-color: #b9cde8; }
.faq summary { cursor: pointer; list-style: none; padding: 18px 56px 18px 20px; font-weight: 700; position: relative; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: ""; position: absolute; right: 20px; top: 50%; width: 10px; height: 10px; border-right: 2.5px solid var(--accent); border-bottom: 2.5px solid var(--accent); transform: translateY(-70%) rotate(45deg); transition: transform .18s var(--ease); }
.faq details[open] summary::after { transform: translateY(-30%) rotate(-135deg); }
.faq .faq__a { padding: 0 20px 18px; color: var(--text-muted); }
.faq .faq__a p:last-child { margin-bottom: 0; }
.faq-cat { margin: 36px 0 14px; display: flex; align-items: center; gap: 12px; }
.faq-cat:first-child { margin-top: 0; }

/* ---- company block / cta ---- */
.company-facts { list-style: none; padding: 0; margin: 20px 0 0; display: grid; gap: 12px; }
.company-facts li { display: flex; gap: 12px; align-items: flex-start; }
.company-facts .icon-badge { width: 40px; height: 40px; border-radius: 11px; }
.company-facts strong { display: block; font-size: .85rem; color: var(--text-muted); font-weight: 650; }
.link-cards { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 14px; }
.link-card { display: flex; flex-direction: column; gap: 10px; padding: 18px; background: var(--surface); border: 1px solid var(--border); border-radius: var(--radius-lg); box-shadow: var(--shadow-md); text-decoration: none; color: var(--text); font-weight: 700; transition: transform .16s var(--ease), box-shadow .16s var(--ease), border-color .16s var(--ease); }
.link-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-lg); border-color: var(--accent); color: var(--text); }
.link-card span.sub { font-weight: 500; color: var(--text-muted); font-size: .9rem; }
.cta-band { background: linear-gradient(120deg, var(--navy), var(--accent)); color: #fff; border-radius: var(--radius-lg); padding: clamp(24px, 4vw, 44px); display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 20px; position: relative; overflow: hidden; }
.cta-band::after { content: ""; position: absolute; right: -40px; top: -40px; width: 220px; height: 220px; border-radius: 50%; border: 28px solid rgba(255, 255, 255, .07); }
.cta-band h2, .cta-band p { color: #fff; margin: 0; }
.cta-band p { opacity: .92; margin-top: 8px; }
.cta-band .btn { position: relative; z-index: 1; }
.cta-band .btn--primary { background: #fff; color: var(--navy); }
.cta-band .btn--primary:hover { background: var(--accent-tint); color: var(--navy); }
.callout { display: flex; gap: 14px; padding: 18px 20px; background: var(--accent-tint); border-radius: var(--radius); border: 1px solid #c7d8ef; }
.callout--warn { background: var(--red-tint); border-color: #f1c4cc; }
.callout p { margin: 0; }
.callout .icon { margin-top: 3px; color: var(--accent); }
.callout--warn .icon { color: var(--flag-red); }
.art-frame { border-radius: var(--radius-lg); overflow: hidden; border: 1px solid var(--border); box-shadow: var(--shadow-md); background: var(--surface); }
.art-frame img { display: block; width: 100%; height: auto; }
.article-card { scroll-margin-top: 96px; }
.page-toc { display: flex; flex-wrap: wrap; gap: 10px; padding: 0; margin: 0 0 8px; list-style: none; }
.page-toc a { display: inline-flex; padding: 8px 14px; border-radius: 999px; border: 1px solid var(--border); background: var(--surface); text-decoration: none; font-weight: 650; font-size: .92rem; color: var(--text); transition: background-color .15s var(--ease), border-color .15s var(--ease); }
.page-toc a:hover { background: var(--accent-tint); border-color: var(--accent); color: var(--accent); }
.prose { max-width: 820px; }
.prose h2 { margin-top: 2em; padding-top: .2em; font-size: clamp(1.3rem, 1.1rem + .9vw, 1.7rem); }
.prose h2:first-child { margin-top: 0; }
.prose h3 { margin-top: 1.4em; }
.prose p, .prose li { color: var(--text-muted); }
.prose li { margin-bottom: .4em; }
.prose strong { color: var(--text); }
.legal-meta { display: inline-flex; gap: 8px; align-items: center; padding: 6px 12px; border-radius: 999px; background: var(--surface-2); font-size: .88rem; font-weight: 600; color: var(--text-muted); margin-bottom: 20px; }
.numbered-sections { counter-reset: sec; }
.numbered-sections > section { counter-increment: sec; }
.numbered-sections > section > h2::before { content: counter(sec) "."; margin-right: .4em; color: var(--accent); }

/* ---- form ---- */
.form-block { background: var(--surface); border: 1px solid var(--border); border-top: 5px solid var(--flag-red); border-radius: var(--radius-lg); box-shadow: var(--shadow-lg); padding: clamp(18px, 2.4vw, 28px); }
.form-block__title { font-size: 1.3rem; margin-bottom: .4em; }
.form-block__intro { color: var(--text-muted); margin-bottom: 14px; }
.form-note { display: flex; gap: 10px; align-items: flex-start; margin: 14px 0 0; padding: 12px 14px; border-radius: var(--radius-sm); background: var(--accent-tint); color: var(--text); font-size: .93rem; font-weight: 600; }
.form-note .icon { color: var(--accent); margin-top: 2px; }
.form-legal { margin: 14px 0 0; font-size: .82rem; color: var(--text-muted); line-height: 1.5; }
.form-block input, .form-block select { max-width: 100%; }

/* ---- calculator ---- */
.calc-section { background: var(--surface-2); position: relative; overflow: hidden; }
.calc-section .calc-deco { position: absolute; right: 0; top: 0; width: min(560px, 55%); height: 100%; opacity: .55; pointer-events: none; }
.calc-section .container { position: relative; }
.calc-wrap { margin-top: 20px; }

/* ---- footer ---- */
.site-footer { background: var(--navy); color: #dbe6f5; padding-top: clamp(40px, 5vw, 64px); margin-top: 0; position: relative; }
.site-footer::before { content: ""; position: absolute; left: 0; right: 0; top: 0; height: 6px; background: linear-gradient(90deg, var(--flag-red) 0 33.3%, #fff 33.3% 66.6%, var(--accent) 66.6%); }
.site-footer a { color: #dbe6f5; text-decoration: none; }
.site-footer a:hover { color: #fff; text-decoration: underline; }
.footer__grid { display: grid; grid-template-columns: minmax(0, .8fr) minmax(0, 2.2fr); gap: clamp(24px, 4vw, 56px); }
.site-footer .logo { background: #fff; padding: 8px 12px; border-radius: 12px; }
.footer__contact { list-style: none; padding: 0; margin: 20px 0 0; display: grid; gap: 10px; font-size: .93rem; }
.footer__contact li { display: flex; gap: 10px; align-items: flex-start; }
.footer__contact .icon { color: #8db3e8; width: 20px; height: 20px; margin-top: 2px; }
.footer__cols { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 24px; }
.footer__h { font-size: .8rem; text-transform: uppercase; letter-spacing: .09em; color: #fff; margin: 0 0 14px; font-weight: 750; }
.footer__col ul { list-style: none; padding: 0; margin: 0; display: grid; gap: 8px; font-size: .93rem; }
.footer__disclaimer { margin: 36px 0 0; padding-top: 24px; border-top: 1px solid rgba(255, 255, 255, .15); font-size: .84rem; line-height: 1.6; color: #b9c9de; }
.footer__disclaimer strong { color: #fff; }
.footer__copy { margin: 18px 0 0; padding-bottom: 28px; font-size: .84rem; color: #9fb3cf; }

/* ---- special offer ---- */
.urgency-strip { background: var(--flag-red); color: #fff; font-size: .88rem; font-weight: 650; }
.urgency-strip__inner { display: flex; flex-wrap: wrap; justify-content: center; gap: 4px 28px; padding-block: 9px; }
.urgency-strip span { display: inline-flex; align-items: center; gap: 8px; }
.urgency-strip .icon { width: 18px; height: 18px; }
.bonus-table .is-key { color: var(--flag-red); font-weight: 800; }
.so-modal { position: fixed; inset: 0; z-index: 300; display: none; align-items: center; justify-content: center; padding: 16px; }
.so-modal.is-open { display: flex; }
.so-modal__overlay { position: absolute; inset: 0; background: rgba(10, 30, 60, .62); backdrop-filter: blur(3px); }
.so-modal__card { position: relative; width: min(520px, 100%); max-height: calc(100dvh - 32px); overflow-y: auto; background: var(--surface); border-radius: var(--radius-lg); box-shadow: var(--shadow-lg); padding: 20px 22px 24px; text-align: center; animation: so-pop .22s var(--ease); }
@keyframes so-pop { from { opacity: 0; transform: translateY(10px) scale(.98); } to { opacity: 1; transform: none; } }
.so-modal__close { position: absolute; top: 10px; right: 10px; width: 40px; height: 40px; border-radius: 50%; border: 0; background: var(--surface-2); color: var(--text); font-size: 1.5rem; line-height: 1; cursor: pointer; transition: background-color .15s var(--ease); }
.so-modal__close:hover { background: var(--accent-tint); }
.so-modal__art { display: block; width: 100%; max-width: 340px; height: auto; margin: 6px auto 8px; border-radius: var(--radius); }
.so-modal h2 { font-size: 1.6rem; margin-bottom: .4em; }
.so-modal p { color: var(--text-muted); }
.countdown { display: inline-flex; align-items: center; gap: 6px; margin: 4px 0 16px; font-variant-numeric: tabular-nums; }
.countdown__seg { min-width: 62px; padding: 8px 6px; border-radius: 12px; background: var(--navy); color: #fff; font: 800 1.7rem/1 var(--font-display); }
.countdown__seg small { display: block; margin-top: 4px; font-size: .62rem; font-weight: 600; letter-spacing: .08em; text-transform: uppercase; opacity: .75; }
.countdown__sep { font: 800 1.5rem/1 var(--font-display); color: var(--flag-red); }
body.so-lock { overflow: hidden; }

/* ---- reveal / motion ---- */
.js .reveal { opacity: 0; transform: translateY(8px); transition: opacity .5s var(--ease), transform .5s var(--ease); }
.js .reveal.is-in { opacity: 1; transform: none; }
.page-404 .nf { text-align: center; padding-block: clamp(60px, 10vw, 120px); }

/* ---- responsive ---- */
@media (max-width: 1040px) {
  .nav-toggle { display: inline-flex; }
  .site-nav { position: absolute; left: 0; right: 0; top: 100%; flex-direction: column; align-items: stretch; gap: 8px; padding: 14px clamp(16px, 4vw, 40px) 20px; background: var(--surface); border-bottom: 1px solid var(--border); box-shadow: var(--shadow-md); max-height: calc(100dvh - var(--header-h)); overflow-y: auto; display: none; }
  .site-nav.is-open { display: flex; animation: nav-in .16s var(--ease); }
  @keyframes nav-in { from { opacity: 0; transform: translateY(-6px); } to { opacity: 1; transform: none; } }
  .nav__list { flex-direction: column; align-items: stretch; gap: 2px; }
  .nav__trigger, .nav__link { width: 100%; justify-content: space-between; padding: 14px 12px; }
  .nav__sub, .has-sub--wide .nav__sub { position: static; display: none; min-width: 0; box-shadow: none; border: 0; background: var(--surface-2); opacity: 1; visibility: visible; transform: none; margin: 2px 0 8px; grid-template-columns: 1fr; }
  .nav__sub::before { display: none; }
  .has-sub.is-open > .nav__sub { display: block; }
  .nav__cta { width: 100%; }
}
@media (max-width: 900px) {
  .hero__inner { grid-template-columns: minmax(0, 1fr); grid-template-areas: "head" "form" "extra"; }
  .hero__form { margin-block: 24px; }
  .hero::after { background: linear-gradient(180deg, rgba(247, 249, 252, .94) 0%, rgba(247, 249, 252, .88) 60%, rgba(247, 249, 252, .7) 100%); }
  .split, .split--wide-left, .grid--2 { grid-template-columns: minmax(0, 1fr); }
  .grid--stagger { grid-template-columns: minmax(0, 1fr); }
  .card--tall, .card--wide, .card--narrow, .card--third { grid-column: auto; }
  .footer__grid { grid-template-columns: minmax(0, 1fr); }
  .footer__cols { grid-template-columns: repeat(2, minmax(0, 1fr)); }
}
@media (max-width: 560px) {
  .trust-links, .link-cards { grid-template-columns: minmax(0, 1fr); }
  .review__stats { grid-template-columns: repeat(3, minmax(0, 1fr)); }
  .btn--lg { min-height: 52px; padding: 0 20px; }
  .countdown__seg { min-width: 54px; font-size: 1.45rem; }
  .logo__svg { height: 31px; }
  .calc-section .calc-deco { display: none; }
}
@media (max-width: 380px) {
  .footer__cols { grid-template-columns: minmax(0, 1fr); }
}
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation: none !important; transition: none !important; scroll-behavior: auto !important; }
  .js .reveal { opacity: 1; transform: none; }
}

/* ---- additions ---- */
.page-head { padding-block: clamp(36px, 5vw, 64px); }
.page-head .lead { max-width: 70ch; }
.card h2 { display: flex; align-items: center; gap: 12px; font-size: 1.25rem; margin-bottom: .55em; }
.card h2 .icon-badge { width: 44px; height: 44px; }
.card ul { padding-left: 1.2em; }
.hero__points .icon { flex: none; }
.faq .faq__a a, .prose a { font-weight: 600; }
.prose.numbered-sections > section { margin-bottom: 8px; }
.map-embed iframe { display: block; }
caption.visually-hidden { position: absolute; }

/* ---- polish ---- */
.grid--3 { grid-template-columns: repeat(3, minmax(0, 1fr)); }
@media (max-width: 960px) { .grid--3 { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (max-width: 620px) { .grid--3 { grid-template-columns: minmax(0, 1fr); } }
.calc-section .calc-widget__title, .calc-section .calc-widget__subtitle { display: none; }
.calc-section .calc-widget__cta { min-height: 54px; padding: 0 30px; font-family: var(--font-display); font-size: 1rem; font-weight: 700; border-radius: 12px; }
.steps--row li { padding-top: 22px; }
.steps--row li > .icon-badge { position: absolute; top: 16px; right: 16px; width: 44px; height: 44px; }
.steps--row li::before { margin-bottom: 14px; }
.review__stats dd { white-space: nowrap; } .review__stats { gap: 6px; }

/* ---- round 2 ---- */
.exchange { background: var(--navy); border-color: var(--navy); }
.exchange img { height: 30px; width: auto; max-width: 100%; display: block; }
.hero__form .trust-links { grid-template-columns: repeat(2, minmax(0, 1fr)); max-width: none; margin-top: 16px; }
.hero__form .trust-link { padding: 10px 12px; gap: 10px; font-size: .88rem; }
.hero__form .trust-link .icon-badge { width: 40px; height: 40px; }
.form-split { display: grid; gap: 0 clamp(24px, 4vw, 56px); align-items: start; grid-template-columns: minmax(0, 1.15fr) minmax(0, .85fr); grid-template-areas: "head form" "extra form"; }
.form-split__head { grid-area: head; } .form-split__extra { grid-area: extra; } .form-split__form { grid-area: form; }
@media (max-width: 900px) {
  .form-split { grid-template-columns: minmax(0, 1fr); grid-template-areas: "head" "form" "extra"; }
  .form-split__form { margin-block: 20px; }
}
@media (max-width: 767px) {
  .urgency-strip__inner { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 6px; padding-block: 7px; font-size: .68rem; line-height: 1.25; text-align: center; }
  .urgency-strip span { flex-direction: column; gap: 3px; justify-content: flex-start; }
  .urgency-strip .icon { width: 14px; height: 14px; }
}

/* mobile: heading first, then the form, then the descriptive text */
@media (max-width: 900px) {
  .hero__inner, .form-split { display: flex; flex-direction: column; }
  .hero__head, .form-split__head { display: contents; }
  .hero__head > *, .form-split__head > * { order: 2; }
  .hero__head > .eyebrow, .hero__head > h1, .form-split__head > h2 { order: 0; }
  .hero__form, .form-split__form { order: 1; margin-block: 8px 24px; }
  .hero__extra, .form-split__extra { order: 3; }
}

/* keep these on a single row, also on mobile */
.hero__ctas { flex-wrap: nowrap; gap: 8px; }
.hero__ctas .btn { flex: 1 1 auto; min-width: 0; padding-inline: 12px; font-size: .92rem; }
.office-line { flex-wrap: nowrap; gap: 8px; }
.office-line__label { font-size: .88rem; white-space: nowrap; }
.flag-chip { flex: none; white-space: nowrap; }
@media (min-width: 561px) { .hero__ctas .btn { flex: 0 0 auto; padding-inline: 22px; font-size: 1rem; } }
@media (max-width: 380px) { .office-line__label { font-size: .8rem; } .flag-chip { padding-right: 10px; } }