/* ============ TOKENS — premium "trust navy + warm gold" fintech theme ============ */
:root{
  --bg:#0A0E1A;            /* deep midnight navy */
  --bg-2:#0D1220;          /* navy */
  --surface:#121A2E;       /* card base (warmer navy) */
  --surface-2:#18233C;     /* raised surface */
  --line:rgba(255,255,255,.075);
  --line-2:rgba(212,180,120,.18);   /* faint gold-tinted hairline */
  --ink:#F5F3EE;           /* warm off-white */
  --muted:#A6AEC4;         /* secondary text */
  --muted-2:#727C96;
  --blue:#C9A24B;          /* PRIMARY = premium gold */
  --blue-2:#E4C778;        /* light gold */
  --teal:#2DD4BF;          /* secondary = trust teal */
  --emerald:#22C08A;       /* success */
  --gold:#D4B478;          /* controlled gold */
  --danger:#F0795B;
  --grad:linear-gradient(135deg,#C9A24B 0%,#E9CF8A 100%);   /* gold gradient */
  --grad-teal:linear-gradient(135deg,#2DD4BF 0%,#5AE0CF 100%);
  --glass:rgba(255,255,255,.045);
  --glass-strong:rgba(255,255,255,.07);
  --shadow:0 24px 60px -20px rgba(0,0,0,.7);
  --r:18px;
  --maxw:1240px;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{
  background:var(--bg);
  color:var(--ink);
  font-family:'Plus Jakarta Sans',system-ui,sans-serif;
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
  overflow-x:hidden;
}
h1,h2,h3,h4,.display{font-family:'Space Grotesk',sans-serif;letter-spacing:-.02em;line-height:1.1}
.mono{font-family:'IBM Plex Mono',monospace;font-variant-numeric:tabular-nums}
a{color:inherit;text-decoration:none}
button{font-family:inherit;cursor:pointer;border:none;background:none;color:inherit}
img{max-width:100%}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 24px}
.eyebrow{font-size:12px;letter-spacing:.22em;text-transform:uppercase;color:var(--teal);font-weight:600}
section{position:relative}

/* ============ PREMIUM BACKDROP (soft gold + teal glows over navy) ============ */
.sc-bg{position:fixed;inset:0;z-index:0;pointer-events:none;
  background:
    radial-gradient(ellipse 46% 40% at 84% 6%, rgba(201,162,75,.16), transparent 60%),
    radial-gradient(ellipse 42% 44% at 8% 74%, rgba(45,212,191,.11), transparent 62%),
    radial-gradient(ellipse 70% 55% at 50% 118%, rgba(24,35,60,.7), transparent 72%),
    linear-gradient(rgba(255,255,255,.02) 1px,transparent 1px),
    linear-gradient(90deg,rgba(255,255,255,.02) 1px,transparent 1px);
  background-size:auto,auto,auto,66px 66px,66px 66px;
  -webkit-mask:radial-gradient(ellipse 95% 75% at 50% 30%,#000 55%,transparent 100%);
          mask:radial-gradient(ellipse 95% 75% at 50% 30%,#000 55%,transparent 100%)}
.grid-bg{position:fixed;inset:0;z-index:0;pointer-events:none}
#ambient{position:fixed;inset:0;z-index:0;pointer-events:none}
.glow{position:fixed;border-radius:50%;filter:blur(120px);z-index:0;pointer-events:none;opacity:.5}
.glow.a{width:520px;height:520px;background:#8a6a1d;top:-160px;right:-120px}
.glow.b{width:420px;height:420px;background:#0c5e57;top:420px;left:-160px;opacity:.4}

/* ============ NAV ============ */
header{position:sticky;top:0;z-index:90}
.topbar{
  background:rgba(8,11,20,.72);backdrop-filter:blur(18px);
  border-bottom:1px solid var(--line);
  position:relative;z-index:10;   /* keep the mega dropdown above the ticker below it */
}
.nav{display:flex;align-items:center;gap:28px;height:70px}
.brand{display:flex;align-items:center;gap:11px;font-family:'Space Grotesk';font-weight:800;font-size:18px;letter-spacing:-.02em}
.brand .mark{
  width:34px;height:34px;border-radius:10px;background:var(--grad);
  display:grid;place-items:center;font-size:15px;box-shadow:0 6px 18px -6px rgba(61,123,255,.7)
}
/* full brand logo — transparent PNG, no plate */
.brand-logo{height:40px;width:auto;display:block;filter:drop-shadow(0 2px 5px rgba(0,0,0,.3));transition:transform .2s}
.brand:hover .brand-logo{transform:translateY(-1px)}
@media(max-width:560px){.brand-logo{height:34px}}
.brand small{display:block;font-size:9.5px;letter-spacing:.16em;color:var(--muted);font-weight:600;text-transform:uppercase;font-family:'Plus Jakarta Sans'}
.menu{display:flex;align-items:center;gap:4px;margin-left:6px;flex:1}
.menu>a,.menu>.has-mega>span{
  font-size:13.5px;color:var(--muted);padding:8px 12px;border-radius:9px;font-weight:500;
  display:inline-flex;align-items:center;gap:5px;transition:.18s;white-space:nowrap;cursor:pointer
}
.menu>a:hover,.menu>.has-mega:hover>span{color:var(--ink);background:var(--glass)}
.has-mega{position:relative}
.has-mega>span svg{transition:.2s}
.has-mega:hover>span svg{transform:rotate(180deg)}
/* ---- LUXE MEGA MENU — champagne gold on deep navy, hairline detailing ---- */
.mega{
  position:absolute;top:calc(100% + 14px);left:50%;transform:translateX(-50%) translateY(8px);
  width:730px;
  background:
    linear-gradient(180deg,rgba(228,199,120,.05),transparent 90px),
    radial-gradient(560px 220px at 50% -12%,rgba(201,162,75,.08),transparent 65%),
    #0B101E;
  border:1px solid rgba(212,180,120,.22);border-top-color:rgba(233,207,138,.5);
  border-radius:24px;padding:8px 26px 10px;
  box-shadow:0 50px 110px -28px rgba(0,0,0,.92),0 1px 0 rgba(255,255,255,.04) inset;
  display:grid;grid-template-columns:1fr 1fr;column-gap:48px;row-gap:2px;
  opacity:0;visibility:hidden;transition:.25s cubic-bezier(.2,.7,.2,1);z-index:99
}
.has-mega:hover .mega{opacity:1;visibility:visible;transform:translateX(-50%) translateY(0)}
/* elegant centre hairline between the two columns */
.mega::before{content:"";position:absolute;left:50%;top:86px;bottom:78px;width:1px;
  background:linear-gradient(180deg,transparent,rgba(212,180,120,.16) 18%,rgba(212,180,120,.16) 82%,transparent)}
/* header */
.mega-head{grid-column:1/-1;display:flex;align-items:flex-end;justify-content:space-between;gap:14px;
  padding:18px 2px 14px;border-bottom:1px solid rgba(212,180,120,.15);margin-bottom:9px}
.mh-eyebrow{display:block;font-size:10.5px;letter-spacing:.3em;text-transform:uppercase;
  background:linear-gradient(90deg,#E9CF8A,#C9A24B);-webkit-background-clip:text;background-clip:text;color:transparent;font-weight:700}
.mh-sub{display:block;font-size:11.5px;color:var(--muted-2);margin-top:4px;letter-spacing:.01em}
.mh-all{font-size:10px;font-weight:700;letter-spacing:.22em;text-transform:uppercase;color:var(--muted-2);
  padding-bottom:2px;border-bottom:1px solid rgba(212,180,120,.35);transition:.2s;white-space:nowrap}
.mh-all:hover{color:#E9CF8A;border-bottom-color:#E9CF8A}
/* items */
.mega-item{position:relative;display:flex;gap:15px;padding:13px 26px 13px 10px;border-radius:15px;
  transition:.22s cubic-bezier(.2,.7,.2,1);border:1px solid transparent;align-items:flex-start}
.has-mega:hover .mega-item{animation:megaIn .32s cubic-bezier(.2,.7,.2,1) both}
.has-mega:hover .mega-item:nth-of-type(1){animation-delay:.03s}
.has-mega:hover .mega-item:nth-of-type(2){animation-delay:.06s}
.has-mega:hover .mega-item:nth-of-type(3){animation-delay:.09s}
.has-mega:hover .mega-item:nth-of-type(4){animation-delay:.12s}
.has-mega:hover .mega-item:nth-of-type(5){animation-delay:.15s}
.has-mega:hover .mega-item:nth-of-type(6){animation-delay:.18s}
.has-mega:hover .mega-item:nth-of-type(7){animation-delay:.21s}
.has-mega:hover .mega-item:nth-of-type(8){animation-delay:.24s}
@keyframes megaIn{from{opacity:0;transform:translateY(8px)}to{opacity:1;transform:none}}
.mega-item:hover{background:rgba(212,180,120,.055);border-color:rgba(212,180,120,.22)}
/* icon — thin-stroke gold line icon in a glass tile */
.mega-ic{
  width:43px;height:43px;border-radius:13px;display:grid;place-items:center;flex-shrink:0;
  color:#D9BC7E;
  background:linear-gradient(160deg,rgba(212,180,120,.11),rgba(255,255,255,.015) 70%);
  border:1px solid rgba(212,180,120,.28);
  box-shadow:inset 0 1px 0 rgba(255,255,255,.06);
  transition:.25s cubic-bezier(.2,.7,.2,1)
}
.mega-ic svg{width:20px;height:20px;display:block}
.mega-item:hover .mega-ic{
  color:#F2DFAC;border-color:rgba(233,207,138,.6);
  box-shadow:0 0 22px -5px rgba(212,180,120,.45),inset 0 1px 0 rgba(255,255,255,.08);
  transform:translateY(-1px)
}
/* type */
.mega-item h5{font-family:'Plus Jakarta Sans';font-size:14px;font-weight:650;letter-spacing:.005em;margin-bottom:2px;color:var(--ink);transition:.2s}
.mega-item h5::after{content:"";display:block;width:0;height:1px;margin-top:4px;
  background:linear-gradient(90deg,#E4C778,transparent);transition:width .3s cubic-bezier(.2,.7,.2,1)}
.mega-item:hover h5::after{width:54px}
.mega-item p{font-size:11.5px;color:var(--muted-2);line-height:1.5}
.mega-item .suit{margin-top:7px;font-size:8.5px;font-weight:700;letter-spacing:.22em;text-transform:uppercase;color:rgba(217,188,126,.68)}
.mega-go{position:absolute;right:10px;top:50%;transform:translate(7px,-50%);opacity:0;
  color:#E9CF8A;font-weight:400;font-size:15px;transition:.25s cubic-bezier(.2,.7,.2,1)}
.mega-item:hover .mega-go{opacity:1;transform:translate(0,-50%)}
/* footer */
.mega-foot{grid-column:1/-1;display:flex;align-items:center;justify-content:space-between;gap:14px;
  margin-top:9px;padding:13px 2px 8px;border-top:1px solid rgba(212,180,120,.15)}
.mf-note{font-size:11.5px;color:var(--muted-2);letter-spacing:.01em}
.mf-note i{font-style:normal;color:#D9BC7E;margin-right:5px}
.mf-note b{color:#D9BC7E;font-weight:600}
.mf-cta{font-size:10px;font-weight:800;letter-spacing:.22em;text-transform:uppercase;color:#141414;
  background:var(--grad);padding:10px 22px;border-radius:99px;white-space:nowrap;
  box-shadow:0 10px 26px -10px rgba(201,162,75,.65),inset 0 1px 0 rgba(255,255,255,.35);transition:.2s}
.mf-cta:hover{filter:brightness(1.06);transform:translateY(-1px)}
@media(max-width:1280px){.mega{width:620px;column-gap:34px;padding:8px 20px 10px}}
.nav-actions{display:flex;align-items:center;gap:9px}
.lang{font-size:12px;color:var(--muted);border:1px solid var(--line);border-radius:9px;padding:7px 10px;font-weight:500;display:flex;align-items:center;gap:5px}
.lang:hover{color:var(--ink);border-color:var(--line-2)}
.btn{
  font-size:13px;font-weight:600;border-radius:11px;padding:9px 16px;transition:.18s;
  display:inline-flex;align-items:center;gap:7px;white-space:nowrap
}
.btn-ghost{border:1px solid var(--line-2);color:var(--ink)}
.btn-ghost:hover{background:var(--glass);border-color:var(--blue)}
.btn-primary{background:var(--grad);color:#06121f;box-shadow:0 10px 24px -10px rgba(61,123,255,.7)}
.btn-primary:hover{transform:translateY(-1px);box-shadow:0 16px 30px -10px rgba(61,123,255,.8)}
.btn-wa{background:#1faf5a;color:#fff}
.btn-wa:hover{background:#23c466}
.burger{display:none;flex-direction:column;gap:5px;padding:8px}
.burger span{width:22px;height:2px;background:var(--ink);border-radius:2px}

/* ============ TICKER ============ */
.ticker{
  background:linear-gradient(90deg,rgba(15,23,41,.9),rgba(11,16,32,.9));
  border-bottom:1px solid var(--line);overflow:hidden;height:40px;display:flex;align-items:center;position:relative;z-index:5
}
.ticker-label{
  position:absolute;left:0;top:0;height:100%;z-index:2;display:flex;align-items:center;gap:7px;
  padding:0 16px;background:var(--bg);border-right:1px solid var(--line);font-size:11px;font-weight:600;color:var(--teal);letter-spacing:.05em
}
.ticker-dot{width:7px;height:7px;border-radius:50%;background:var(--emerald);box-shadow:0 0 8px var(--emerald);animation:pulse 1.6s infinite}
@keyframes pulse{0%,100%{opacity:1}50%{opacity:.35}}
.ticker-track{display:flex;gap:0;white-space:nowrap;animation:scroll 40s linear infinite;padding-left:170px}
.ticker:hover .ticker-track{animation-play-state:paused}
.ticker-item{font-size:12.5px;color:var(--muted);padding:0 26px;display:inline-flex;align-items:center;gap:9px}
.ticker-item b{color:var(--ink);font-weight:600}
.ticker-item::before{content:'';width:4px;height:4px;border-radius:50%;background:var(--blue)}
@keyframes scroll{to{transform:translateX(-50%)}}

/* ============ HERO ============ */
.hero{padding:78px 0 64px;position:relative;z-index:2}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:48px;align-items:center}
.hero h1{font-size:clamp(38px,5vw,62px);font-weight:800;margin:18px 0 20px}
.hero h1 .hl{background:var(--grad);-webkit-background-clip:text;background-clip:text;color:transparent;background-size:200% auto;animation:shimmer 7s linear infinite}
@keyframes shimmer{to{background-position:200% center}}
.hero-sub{font-size:17px;color:var(--muted);max-width:520px;margin-bottom:30px}
.hero-cta{display:flex;flex-wrap:wrap;gap:11px;margin-bottom:22px}
.hero-cta .btn{padding:12px 20px;font-size:14px}
.trustline{display:flex;align-items:center;gap:9px;font-size:13px;color:var(--muted-2)}
.trustline svg{color:var(--emerald)}

/* hero visual */
.hero-visual{position:relative;height:480px;display:grid;place-items:center}
/* orbit backdrop (concentric rings + glow — "analysing your credit" feel) */
.hero-orbit{position:absolute;inset:0;display:grid;place-items:center;z-index:1;pointer-events:none;overflow:hidden}
.ho-glow{position:absolute;width:380px;height:380px;border-radius:50%;
  background:radial-gradient(circle,rgba(201,162,75,.2),rgba(45,212,191,.08) 46%,transparent 70%);filter:blur(22px);animation:hoBreathe 7s ease-in-out infinite}
/* radar-style pulses that expand outward once each, staggered — no rotation */
.ho-ring{position:absolute;width:300px;height:300px;border-radius:50%;border:1px solid rgba(212,180,120,.3);
  opacity:0;will-change:transform,opacity;animation:hoPulse 5s ease-out infinite}
.ho-ring-2{animation-delay:2.5s;border-color:rgba(45,212,191,.28)}
@keyframes hoBreathe{0%,100%{opacity:.7;transform:scale(1)}50%{opacity:1;transform:scale(1.05)}}
@keyframes hoPulse{0%{transform:scale(.55);opacity:0}18%{opacity:.7}100%{transform:scale(1.6);opacity:0}}
/* credit card */
.gauge-card{
  position:relative;z-index:3;width:312px;background:linear-gradient(165deg,rgba(19,28,51,.92),rgba(12,17,33,.9));
  border:1px solid var(--line-2);border-radius:24px;padding:24px;backdrop-filter:blur(20px);
  box-shadow:0 40px 80px -30px rgba(0,0,0,.9),0 0 70px -20px rgba(61,123,255,.4);text-align:center;overflow:hidden
}
.gauge-card::before{content:'';position:absolute;inset:0;border-radius:24px;padding:1px;pointer-events:none;
  background:linear-gradient(140deg,rgba(61,123,255,.6),transparent 42%,transparent 60%,rgba(22,199,181,.5));
  -webkit-mask:linear-gradient(#000 0 0) content-box,linear-gradient(#000 0 0);-webkit-mask-composite:xor;mask-composite:exclude;opacity:.7}
.gauge-card>*{position:relative}
.gauge-card .gc-top{display:flex;justify-content:space-between;align-items:center;margin-bottom:6px}
.gauge-card .gc-top span{font-size:11px;color:var(--muted);letter-spacing:.08em;text-transform:uppercase}
.gauge-card .gc-top em{font-size:10px;color:var(--gold);font-style:normal;border:1px solid rgba(217,178,92,.4);padding:2px 7px;border-radius:20px}
.gauge-wrap{position:relative;width:200px;height:120px;margin:6px auto 0}
.gauge-score{position:absolute;bottom:6px;left:0;right:0;text-align:center}
.gauge-score b{font-family:'IBM Plex Mono';font-size:42px;font-weight:600;display:block;line-height:1}
.gauge-score span{font-size:11px;color:var(--emerald);font-weight:600;letter-spacing:.05em}
/* trend row + sparkline */
.gc-trend{display:flex;align-items:center;gap:12px;margin-top:14px;padding-top:14px;border-top:1px solid var(--line)}
.gc-trend .spark{width:120px;height:34px;flex-shrink:0}
.gc-trend .spark polyline{stroke-dasharray:220;stroke-dashoffset:220;animation:sparkDraw 1.5s cubic-bezier(.2,.7,.2,1) .9s forwards}
@keyframes sparkDraw{to{stroke-dashoffset:0}}
.gc-trend-txt{text-align:left;line-height:1.2}
.gc-trend-txt b{font-size:14px;color:var(--emerald);font-weight:700;display:block}
.gc-trend-txt span{font-size:10.5px;color:var(--muted-2)}
/* floating chips */
.float-chip{
  position:absolute;background:rgba(12,17,33,.92);border:1px solid var(--line-2);
  border-radius:13px;padding:10px 13px;backdrop-filter:blur(12px);z-index:4;box-shadow:var(--shadow);
  display:flex;align-items:center;gap:9px;font-size:12px;animation:floaty 5s ease-in-out infinite
}
.float-chip .fc-ic{width:32px;height:32px;border-radius:9px;display:grid;place-items:center;flex-shrink:0}
.float-chip .fc-ic svg{width:17px;height:17px}
.float-chip b{font-family:'IBM Plex Mono';font-size:15px;display:block;line-height:1.2}
.float-chip small{font-size:10px;color:var(--muted);display:block}
.chip-1{top:20px;left:-6px;animation-delay:0s}
.chip-2{bottom:56px;right:-10px;animation-delay:1.5s}
.chip-3{bottom:6px;left:14px;animation-delay:.8s}
@keyframes floaty{0%,100%{transform:translateY(0)}50%{transform:translateY(-12px)}}
/* ===== custom cursor ===== */
html.has-cursor,html.has-cursor *{cursor:none!important}
.cur-dot{position:fixed;left:0;top:0;width:7px;height:7px;margin:-3.5px 0 0 -3.5px;border-radius:50%;
  background:var(--teal);z-index:10001;pointer-events:none;opacity:0;box-shadow:0 0 9px rgba(22,199,181,.9);
  transition:opacity .3s,background .2s;will-change:transform}
.cur-ring{position:fixed;left:0;top:0;width:34px;height:34px;margin:-17px 0 0 -17px;border-radius:50%;
  border:1.5px solid rgba(91,145,255,.6);z-index:10000;pointer-events:none;opacity:0;
  transition:opacity .3s,width .25s,height .25s,margin .25s,border-color .25s,background .25s;will-change:transform}
.cur-ring.grow{width:54px;height:54px;margin:-27px 0 0 -27px;border-color:rgba(22,199,181,.85);background:rgba(22,199,181,.09)}
.cur-ring.down{width:26px;height:26px;margin:-13px 0 0 -13px;border-color:rgba(22,199,181,.9)}

/* ============ HERO — LIVE APPROVALS CONSOLE ============ */
.live-console{position:relative;z-index:3;width:320px;max-width:100%;
  background:linear-gradient(165deg,rgba(19,28,51,.92),rgba(12,17,33,.9));backdrop-filter:blur(20px);
  border:1px solid var(--line-2);border-radius:22px;padding:20px 20px 16px;overflow:hidden;
  box-shadow:0 40px 80px -30px rgba(0,0,0,.9),0 0 70px -22px rgba(61,123,255,.4)}
.live-console::before{content:'';position:absolute;inset:0;border-radius:22px;padding:1px;pointer-events:none;
  background:linear-gradient(140deg,rgba(61,123,255,.6),transparent 42%,transparent 60%,rgba(22,199,181,.5));
  -webkit-mask:linear-gradient(#000 0 0) content-box,linear-gradient(#000 0 0);-webkit-mask-composite:xor;mask-composite:exclude;opacity:.7}
.live-console>*{position:relative}
.lc-top{display:flex;justify-content:space-between;align-items:flex-start;margin-bottom:14px}
.lc-title{font-size:13.5px;font-weight:700;color:var(--ink);line-height:1.5}
.lc-live{display:inline-flex;align-items:center;gap:5px;font-family:'IBM Plex Mono';font-size:9.5px;font-weight:700;letter-spacing:.1em;
  color:var(--emerald);background:rgba(25,195,125,.12);border:1px solid rgba(25,195,125,.3);border-radius:20px;padding:2px 7px;margin-right:7px;vertical-align:middle}
.lc-live i{width:6px;height:6px;border-radius:50%;background:var(--emerald);box-shadow:0 0 8px var(--emerald);animation:pulse 1.4s infinite}
.lc-count{text-align:right}
.lc-count b{font-family:'IBM Plex Mono';font-size:24px;font-weight:600;display:block;line-height:1;
  background:var(--grad);-webkit-background-clip:text;background-clip:text;color:transparent}
.lc-count small{font-size:9.5px;color:var(--muted-2);text-transform:uppercase;letter-spacing:.05em}
/* the streaming feed */
.lc-feed{height:210px;position:relative;overflow:hidden;
  -webkit-mask:linear-gradient(180deg,transparent,#000 14%,#000 86%,transparent);mask:linear-gradient(180deg,transparent,#000 14%,#000 86%,transparent)}
.lc-row{display:flex;align-items:center;gap:11px;padding:11px 0;border-bottom:1px solid var(--line);will-change:transform}
.lc-av{width:34px;height:34px;border-radius:10px;flex-shrink:0;display:grid;place-items:center;font-family:'Space Grotesk';font-weight:800;font-size:12px;color:#06121f}
.lc-mid{flex:1;min-width:0}
.lc-mid b{font-size:12.5px;font-weight:600;color:var(--ink);display:block;white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
.lc-mid small{font-size:10.5px;color:var(--muted-2)}
.lc-amt{text-align:right;flex-shrink:0}
.lc-amt b{font-family:'IBM Plex Mono';font-size:13px;color:var(--ink);display:block}
.lc-amt .lc-ok{font-size:9.5px;font-weight:700;color:var(--emerald);display:inline-flex;align-items:center;gap:3px}
.lc-foot{display:flex;justify-content:space-between;align-items:center;margin-top:12px;padding-top:12px;border-top:1px solid var(--line)}
.lc-bank{display:flex;align-items:center;gap:9px}
.lc-avatars{display:flex}
.lc-avatars span{width:22px;height:22px;border-radius:50%;border:2px solid var(--surface);margin-left:-7px;background:var(--surface-2);
  display:grid;place-items:center;font-size:8.5px;font-weight:700;color:var(--muted);font-family:'Space Grotesk'}
.lc-avatars span:first-child{margin-left:0}
.lc-bank small{font-size:10.5px;color:var(--muted-2)}
.lc-secure{display:inline-flex;align-items:center;gap:4px;font-size:10.5px;color:var(--teal);font-weight:600}

/* ============ IMPACT COUNTERS ============ */
.impact-sec{background:linear-gradient(180deg,rgba(15,23,41,.5),transparent)}
.impact-row{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.impact-cell{position:relative;background:linear-gradient(160deg,var(--surface),rgba(12,17,33,.8));border:1px solid var(--line);border-radius:18px;padding:26px 22px;overflow:hidden;
  transition:transform .3s cubic-bezier(.2,.8,.2,1),border-color .3s,box-shadow .35s}
.impact-cell::before{content:'';position:absolute;top:-30%;right:-20%;width:120px;height:120px;border-radius:50%;
  background:radial-gradient(circle,rgba(var(--ic,61,123,255),.3),transparent 70%);opacity:.7;transition:.4s}
.impact-cell:hover{transform:translateY(-5px);border-color:rgba(var(--ic),.5);box-shadow:0 30px 56px -28px rgba(0,0,0,.7),0 0 44px -18px rgba(var(--ic),.5)}
.impact-cell:hover::before{opacity:1;transform:scale(1.2)}
.impact-ic{width:44px;height:44px;border-radius:13px;display:grid;place-items:center;margin-bottom:16px;color:rgb(var(--ic));background:rgba(var(--ic),.12);border:1px solid rgba(var(--ic),.28)}
.impact-ic svg{width:22px;height:22px}
.impact-num{font-family:'Space Grotesk';font-size:34px;font-weight:800;line-height:1;letter-spacing:-.02em;color:var(--ink);font-variant-numeric:tabular-nums}
.impact-num .pre,.impact-num .suf{color:rgb(var(--ic))}
.impact-cell p{font-size:12.5px;color:var(--muted);margin-top:8px;line-height:1.4}
.impact-note{text-align:center;font-size:11px;color:var(--muted-2);margin-top:18px}

/* ============ COMPARISON ============ */
/* luxury "verdict" cards — cold (going alone) vs winner (with us) */
.verdict{display:grid;grid-template-columns:1fr 1.12fr;gap:22px;max-width:940px;margin:0 auto;align-items:stretch}
.vcard{position:relative;border-radius:22px;padding:28px 26px;overflow:hidden;display:flex;flex-direction:column;
  transition:transform .4s cubic-bezier(.2,.8,.2,1),box-shadow .4s}
.vcard-cold{background:linear-gradient(165deg,rgba(18,26,46,.7),rgba(10,14,26,.6));border:1px solid var(--line)}
.vcard-cold .vc-ic{background:var(--surface-2);border:1px solid var(--line);color:var(--muted-2)}
.vcard-cold h4{color:var(--muted)}
.vcard-cold:hover{transform:translateY(-3px)}
/* winner card */
.vcard-win{background:
  radial-gradient(120% 90% at 50% 0%,rgba(201,162,75,.18),transparent 60%),
  linear-gradient(165deg,rgba(30,26,16,.6),rgba(14,16,26,.85));
  border:1px solid transparent;box-shadow:0 40px 90px -34px rgba(0,0,0,.9),0 0 70px -24px rgba(201,162,75,.55)}
.vcard-win::before{content:'';position:absolute;inset:0;border-radius:22px;padding:1.5px;pointer-events:none;z-index:2;
  background:linear-gradient(150deg,#E9CF8A,rgba(201,162,75,.35) 45%,rgba(45,212,191,.5));
  -webkit-mask:linear-gradient(#000 0 0) content-box,linear-gradient(#000 0 0);-webkit-mask-composite:xor;mask-composite:exclude;
  animation:vGlow 4.5s ease-in-out infinite}
@keyframes vGlow{0%,100%{opacity:.75}50%{opacity:1}}
.vcard-win:hover{transform:translateY(-6px);box-shadow:0 50px 100px -34px rgba(0,0,0,.95),0 0 90px -22px rgba(201,162,75,.7)}
.vcard-win .vc-ic{background:var(--grad);border:none;color:#0b0f1a;box-shadow:0 10px 24px -8px rgba(201,162,75,.8)}
.vc-ribbon{position:absolute;top:16px;right:16px;z-index:3;display:inline-flex;align-items:center;gap:5px;
  background:var(--grad);color:#0b0f1a;font-size:9.5px;font-weight:800;letter-spacing:.1em;
  padding:5px 11px;border-radius:20px;box-shadow:0 8px 18px -6px rgba(201,162,75,.7)}
.vc-ribbon::before{content:'★';font-size:9px}
.vc-shine{position:absolute;top:0;left:-70%;width:45%;height:100%;z-index:1;pointer-events:none;
  background:linear-gradient(100deg,transparent,rgba(255,255,255,.10),transparent);transform:skewX(-18deg);animation:vShine 6s ease-in-out infinite}
@keyframes vShine{0%{left:-70%}55%,100%{left:140%}}
.vcard>*{position:relative;z-index:2}
.vc-head{display:flex;align-items:center;gap:13px;margin-bottom:20px;padding-bottom:18px;border-bottom:1px solid var(--line)}
.vc-ic{width:48px;height:48px;border-radius:14px;flex-shrink:0;display:grid;place-items:center}
.vc-ic svg{width:24px;height:24px}
.vc-head h4{font-size:17px;font-weight:700;line-height:1.15}
.vc-head span{font-size:11.5px;color:var(--muted-2)}
.vcard-win .vc-head span{color:var(--gold)}
.vc-list{list-style:none;display:flex;flex-direction:column;gap:13px;flex:1}
.vc-list li{display:flex;gap:11px;align-items:flex-start;font-size:13.5px;line-height:1.5;color:var(--muted)}
.vcard-win .vc-list li{color:var(--ink)}
.vc-list li b{font-weight:700}
.vc-list i{flex-shrink:0;width:21px;height:21px;border-radius:50%;display:grid;place-items:center;font-size:12px;font-weight:800;font-style:normal;margin-top:1px}
.vok{color:var(--emerald);background:rgba(34,192,138,.16);box-shadow:0 0 0 1px rgba(34,192,138,.3)}
.vx{color:var(--danger);background:rgba(240,121,91,.12)}
.vc-foot{margin-top:20px;font-size:12px;color:var(--muted-2);font-style:italic}
.vc-cta{margin-top:22px;justify-content:center;padding:14px}
@media(max-width:760px){.verdict{grid-template-columns:1fr;gap:16px}.vcard-cold{order:2}}
/* reveal states (Motion drives; fallback = visible) */
.v-anim .vc-list li{opacity:0}

/* ============ SAVINGS CALCULATOR ============ */
.save-card{max-width:880px;margin:0 auto;background:linear-gradient(160deg,var(--surface),rgba(12,17,33,.8));border:1px solid var(--line);border-radius:22px;padding:30px;
  display:grid;grid-template-columns:1fr 300px;gap:34px;align-items:center;position:relative;overflow:hidden}
.save-card::before{content:'';position:absolute;top:-40%;right:-10%;width:280px;height:280px;border-radius:50%;background:radial-gradient(circle,rgba(25,195,125,.16),transparent 68%);pointer-events:none}
.save-controls .field{margin-bottom:20px}
.save-controls .field:last-child{margin-bottom:0}
.save-result{position:relative;text-align:center;background:linear-gradient(160deg,rgba(25,195,125,.12),rgba(22,199,181,.06));border:1px solid rgba(25,195,125,.28);border-radius:18px;padding:26px 22px}
.save-result .sr-label{font-size:11px;color:var(--muted);text-transform:uppercase;letter-spacing:.08em}
.save-result .sr-amt{font-family:'Space Grotesk';font-size:40px;font-weight:800;line-height:1.05;margin:8px 0 4px;
  background:linear-gradient(120deg,var(--emerald),var(--teal));-webkit-background-clip:text;background-clip:text;color:transparent;font-variant-numeric:tabular-nums}
.save-result .sr-sub{font-size:12px;color:var(--muted)}
.save-result .sr-emis{display:flex;justify-content:space-around;margin-top:18px;padding-top:16px;border-top:1px solid rgba(255,255,255,.08)}
.save-result .sr-emis div small{font-size:9.5px;color:var(--muted-2);text-transform:uppercase;letter-spacing:.05em;display:block}
.save-result .sr-emis div b{font-family:'IBM Plex Mono';font-size:15px}
.save-result .sr-old{color:var(--muted)}.save-result .sr-new{color:var(--emerald)}
.save-disc{font-size:10.5px;color:var(--muted-2);text-align:center;margin-top:16px}
@media(max-width:900px){.impact-row{grid-template-columns:1fr 1fr}.save-card{grid-template-columns:1fr;gap:24px}}
@media(max-width:560px){.impact-row{grid-template-columns:1fr}.cmp-feat{font-size:12px;padding:13px 12px}.cmp-cell{font-size:11.5px}}

/* ============ SECTION HEADS ============ */
.sec{padding:78px 0;position:relative;z-index:2}
.sec-head{max-width:640px;margin-bottom:44px}
.sec-head.center{margin:0 auto 48px;text-align:center}
.sec-head h2{font-size:clamp(28px,3.6vw,42px);font-weight:800;margin:14px 0 14px}
.sec-head p{font-size:16px;color:var(--muted)}

/* ============ TRUST STRIP (animated feature cards) ============ */
.trust-strip{background:linear-gradient(180deg,transparent,rgba(15,23,41,.5));border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.trust-row{display:grid;grid-template-columns:repeat(6,1fr);gap:12px;padding:28px 0}
.trust-cell{position:relative;padding:22px 16px 20px;text-align:center;border-radius:16px;border:1px solid transparent;overflow:hidden;
  transition:transform .3s cubic-bezier(.2,.8,.2,1),border-color .3s,background .3s,box-shadow .3s}
/* top accent bar that grows on hover */
.trust-cell::before{content:'';position:absolute;top:0;left:50%;transform:translateX(-50%);width:0;height:2px;background:var(--grad);transition:width .35s ease}
.trust-cell:hover{background:var(--surface);border-color:var(--line);transform:translateY(-5px);box-shadow:0 26px 50px -28px rgba(0,0,0,.75)}
.trust-cell:hover::before{width:64%}
/* icon tile */
.trust-cell .ti{width:50px;height:50px;margin:0 auto 14px;border-radius:15px;display:grid;place-items:center;
  background:var(--surface-2);border:1px solid var(--line-2);color:var(--blue-2);
  transition:transform .35s cubic-bezier(.34,1.45,.5,1),background .3s,border-color .3s,color .3s,box-shadow .3s}
.trust-cell .ti svg{width:25px;height:25px}
.trust-cell:hover .ti{background:var(--grad);border-color:transparent;color:#06121f;transform:translateY(-3px) scale(1.08) rotate(-4deg);box-shadow:0 14px 28px -10px rgba(61,123,255,.75)}
.trust-cell h5{font-family:'Plus Jakarta Sans';font-size:13.5px;font-weight:700;margin-bottom:5px;transition:color .25s}
.trust-cell:hover h5{color:var(--ink)}
.trust-cell p{font-size:11.5px;color:var(--muted-2);line-height:1.45}

/* ============ TRUSTED PARTNERS (marquee) ============ */
.partners-rows{display:flex;flex-direction:column;gap:14px}
/* 3D perspective conveyor */
.pconveyor{position:relative;height:96px;perspective:900px;perspective-origin:50% 40%;
  -webkit-mask:linear-gradient(90deg,transparent,#000 12%,#000 88%,transparent);
          mask:linear-gradient(90deg,transparent,#000 12%,#000 88%,transparent)}
.pctrack{position:absolute;inset:0;transform-style:preserve-3d}
.pchip{position:absolute;top:50%;left:0;margin-top:-27px;display:flex;align-items:center;gap:11px;
  padding:11px 18px 11px 12px;border-radius:14px;background:var(--surface);border:1px solid var(--line);
  white-space:nowrap;transform-origin:center;will-change:transform,opacity;
  box-shadow:0 20px 40px -22px rgba(0,0,0,.8);
  transition:border-color .2s,background .2s}
.pchip:hover{border-color:var(--line-2);background:var(--surface-2)}
.pmono{min-width:34px;height:34px;padding:0 8px;border-radius:9px;flex-shrink:0;display:grid;place-items:center;
  font-family:'Space Grotesk';font-weight:800;font-size:12px;letter-spacing:.02em;color:var(--muted-2);
  background:var(--surface-2);border:1px solid var(--line);transition:.2s}
/* real bank logo on a white tile (official logos are designed for light bg) */
.plogo{height:40px;min-width:60px;padding:7px 11px;border-radius:10px;background:#fff;flex-shrink:0;
  display:flex;align-items:center;justify-content:center;box-shadow:inset 0 0 0 1px rgba(0,0,0,.05)}
.plogo img{display:block;max-height:24px;max-width:92px;width:auto;height:auto}
.pchip.has-logo .pmono{display:none}
.pchip:not(.has-logo) .plogo{display:none}
.pchip:hover .pmono{background:var(--grad);color:#06121f;border-color:transparent;box-shadow:0 6px 16px -8px rgba(61,123,255,.7)}
.pname{font-size:13.5px;font-weight:600;color:var(--muted);letter-spacing:-.01em;transition:color .2s}
.pchip:hover .pname{color:var(--ink)}

/* ============ SERVICE UNIVERSE ============ */
.svc-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.svc-card{
  --accent:#3D7BFF;--accent-rgb:61,123,255;
  background:var(--surface);border:1px solid var(--line);border-radius:var(--r);padding:24px 22px;
  transition:transform .3s cubic-bezier(.2,.8,.2,1),border-color .35s,box-shadow .4s;
  position:relative;overflow:hidden;cursor:pointer;will-change:transform
}
.svc-card::before{
  content:'';position:absolute;top:-55%;right:-25%;width:230px;height:230px;border-radius:50%;
  background:radial-gradient(circle,rgba(var(--accent-rgb),.4),transparent 70%);filter:blur(8px);
  opacity:.45;transition:opacity .45s,transform .6s;z-index:0;pointer-events:none
}
.svc-card::after{
  content:'';position:absolute;top:0;left:-70%;width:45%;height:100%;
  background:linear-gradient(115deg,transparent,rgba(255,255,255,.14),transparent);
  transform:skewX(-18deg);transition:left .85s cubic-bezier(.2,.7,.2,1);z-index:2;pointer-events:none
}
.svc-card:hover::before{opacity:1;transform:scale(1.18)}
.svc-card:hover::after{left:130%}
.svc-card:hover{border-color:rgba(var(--accent-rgb),.5);box-shadow:0 30px 60px -24px rgba(0,0,0,.7),0 0 46px -16px rgba(var(--accent-rgb),.55)}
.svc-card:focus-visible{outline:2px solid var(--accent);outline-offset:3px;transform:translateY(-4px)}
.svc-card>*{position:relative;z-index:1}
/* video background (fades in on hover; darkened for legibility) */
.svc-card>.svc-video{position:absolute;inset:0;z-index:0;border-radius:inherit;overflow:hidden;pointer-events:none;
  opacity:0;transition:opacity .55s ease}
.svc-video video{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
.svc-video::after{content:'';position:absolute;inset:0;
  background:linear-gradient(180deg,rgba(10,14,26,.5) 0%,rgba(10,14,26,.72) 55%,rgba(10,14,26,.9) 100%)}
.svc-card.vid-on>.svc-video{opacity:1}
.svc-card.vid-on{border-color:rgba(var(--accent-rgb),.6)}
.svc-card.vid-loading .svc-ic::after{content:'';position:absolute;inset:-5px;border-radius:inherit;
  border:2px solid transparent;border-top-color:rgb(var(--accent-rgb));animation:spin .7s linear infinite}
.svc-ic{
  width:48px;height:48px;border-radius:14px;background:var(--surface-2);border:1px solid var(--line);
  display:grid;place-items:center;font-size:22px;margin-bottom:15px;position:relative;
  box-shadow:0 0 0 5px rgba(var(--accent-rgb),.1);
  transition:transform .5s cubic-bezier(.34,1.56,.64,1),background .3s,border-color .3s,box-shadow .3s;
  animation:svcFloat 4.4s ease-in-out infinite
}
.svc-card:nth-child(4n+1) .svc-ic{animation-delay:0s}
.svc-card:nth-child(4n+2) .svc-ic{animation-delay:.5s}
.svc-card:nth-child(4n+3) .svc-ic{animation-delay:1s}
.svc-card:nth-child(4n+4) .svc-ic{animation-delay:1.5s}
@keyframes svcFloat{0%,100%{transform:translateY(0) rotate(0)}50%{transform:translateY(-5px) rotate(-4deg)}}
.svc-card:hover .svc-ic{
  background:linear-gradient(135deg,var(--accent),transparent 130%);border-color:transparent;
  box-shadow:0 10px 24px -8px rgba(var(--accent-rgb),.8);transform:scale(1.14) rotate(8deg);animation-play-state:paused
}
.svc-card h4{font-size:17px;font-weight:700;margin-bottom:7px}
.svc-card .sdesc{font-size:12.5px;color:var(--muted);margin-bottom:12px;min-height:36px}
.svc-meta{font-size:11px;color:var(--muted-2);display:flex;flex-direction:column;gap:5px;border-top:1px solid var(--line);padding-top:11px;max-height:0;overflow:hidden;opacity:0;transition:max-height .4s,opacity .3s}
.svc-card:hover .svc-meta{max-height:140px;opacity:1}
.svc-meta b{color:var(--accent);font-weight:600}
.svc-meta div{opacity:0;transform:translateX(-6px);transition:opacity .35s,transform .35s}
.svc-card:hover .svc-meta div{opacity:1;transform:none}
.svc-card:hover .svc-meta div:nth-child(1){transition-delay:.05s}
.svc-card:hover .svc-meta div:nth-child(2){transition-delay:.13s}
.svc-card:hover .svc-meta div:nth-child(3){transition-delay:.21s}
.svc-explore{font-size:12.5px;color:var(--accent);font-weight:600;margin-top:12px;display:inline-flex;align-items:center;gap:5px}
.svc-explore svg{transition:transform .35s cubic-bezier(.34,1.56,.64,1)}
.svc-card:hover .svc-explore{gap:9px}
.svc-card:hover .svc-explore svg{transform:translateX(4px)}

/* ============ TWO-COL TOOLS (eligibility + calc) ============ */
.split{display:grid;grid-template-columns:1fr 1fr;gap:28px;align-items:start}
.panel{position:relative;background:linear-gradient(170deg,var(--surface),rgba(12,17,33,.85));border:1px solid var(--line);border-radius:22px;padding:28px;box-shadow:var(--shadow);overflow:hidden;
  transition:border-color .35s,box-shadow .45s,transform .35s cubic-bezier(.2,.8,.2,1)}
.panel::before{content:'';position:absolute;inset:0;border-radius:22px;padding:1px;pointer-events:none;opacity:0;transition:opacity .45s;
  background:linear-gradient(135deg,rgba(61,123,255,.65),transparent 40%,transparent 60%,rgba(22,199,181,.55));
  -webkit-mask:linear-gradient(#000 0 0) content-box,linear-gradient(#000 0 0);-webkit-mask-composite:xor;mask-composite:exclude}
.panel::after{content:'';position:absolute;top:0;left:12px;right:12px;height:3px;border-radius:3px;background:var(--grad);
  transform:scaleX(0);transform-origin:left;transition:transform .6s cubic-bezier(.2,.7,.2,1)}
.panel:hover{border-color:transparent;transform:translateY(-4px);box-shadow:0 44px 80px -34px rgba(0,0,0,.85),0 0 60px -22px rgba(61,123,255,.45)}
.panel:hover::before{opacity:1}
.panel:hover::after{transform:scaleX(1)}
.panel>*{position:relative;z-index:1}
.panel-head{display:flex;align-items:center;justify-content:space-between;margin-bottom:6px}
.panel-head h3{font-size:21px;font-weight:700}
.tag{font-size:10.5px;font-weight:600;padding:4px 10px;border-radius:20px;letter-spacing:.05em;display:inline-flex;align-items:center;gap:6px}
.tag.ai{background:rgba(22,199,181,.13);color:var(--teal);border:1px solid rgba(22,199,181,.3)}
.tag.live{background:rgba(25,195,125,.13);color:var(--emerald);border:1px solid rgba(25,195,125,.3)}
.tag.ai::before,.tag.live::before{content:'';width:6px;height:6px;border-radius:50%;background:currentColor;box-shadow:0 0 8px currentColor;animation:pulse 1.8s infinite}
.panel-sub{font-size:13px;color:var(--muted);margin-bottom:22px}

/* form bits */
.field{margin-bottom:16px}
.field label{display:flex;justify-content:space-between;font-size:12.5px;color:var(--muted);margin-bottom:8px;font-weight:500}
.field label b{color:var(--ink);font-family:'IBM Plex Mono';font-weight:600}
.seg{display:flex;gap:6px;flex-wrap:wrap}
.seg button{flex:1;min-width:max-content;font-size:12.5px;padding:9px 12px;border-radius:10px;border:1px solid var(--line);background:var(--surface-2);color:var(--muted);transition:.15s;white-space:nowrap}
.seg button.on{background:var(--grad);color:#06121f;border-color:transparent;font-weight:600;animation:segPop .32s cubic-bezier(.34,1.5,.5,1)}
.seg button:active{transform:scale(.94)}
@keyframes segPop{0%{transform:scale(.92)}55%{transform:scale(1.06)}100%{transform:scale(1)}}
/* click ripple on primary buttons */
.btn-primary{position:relative;overflow:hidden}
.btn-ripple{position:absolute;border-radius:50%;background:rgba(255,255,255,.45);transform:scale(0);animation:ripple .55s ease-out forwards;pointer-events:none}
@keyframes ripple{to{transform:scale(2.6);opacity:0}}
/* donut sweeps smoothly when values change */
#donutSeg{transition:stroke-dashoffset .7s cubic-bezier(.2,.7,.2,1)}
.dlabel b.bump{animation:valBump .35s cubic-bezier(.34,1.5,.5,1)}
.seg button:hover:not(.on){border-color:var(--line-2);color:var(--ink)}
input[type=range]{-webkit-appearance:none;width:100%;height:6px;border-radius:6px;outline:none;margin-top:4px;--p:50%;
  background:linear-gradient(90deg,var(--blue) 0%,var(--teal) var(--p),var(--surface-2) var(--p));transition:box-shadow .3s}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:20px;height:20px;border-radius:50%;background:#fff;border:4px solid var(--blue);cursor:pointer;
  box-shadow:0 2px 8px rgba(0,0,0,.4);transition:transform .25s cubic-bezier(.34,1.5,.5,1),box-shadow .25s,border-color .25s}
input[type=range]:hover::-webkit-slider-thumb{transform:scale(1.18);box-shadow:0 0 0 7px rgba(61,123,255,.15),0 2px 10px rgba(0,0,0,.5)}
input[type=range]:active::-webkit-slider-thumb{transform:scale(1.32);border-color:var(--teal);box-shadow:0 0 0 11px rgba(22,199,181,.16),0 0 18px rgba(22,199,181,.5)}
input[type=range]::-moz-range-thumb{width:20px;height:20px;border-radius:50%;background:#fff;border:4px solid var(--blue);cursor:pointer;transition:transform .25s,box-shadow .25s}
input[type=range]:hover::-moz-range-thumb{transform:scale(1.18);box-shadow:0 0 0 7px rgba(61,123,255,.15)}
input[type=range]:active::-moz-range-thumb{transform:scale(1.32);border-color:var(--teal)}
/* value label pop when a slider moves */
.field label b{display:inline-block;transition:color .2s}
.field label b.bump{animation:valBump .35s cubic-bezier(.34,1.5,.5,1)}
@keyframes valBump{0%{transform:scale(1)}40%{transform:scale(1.18);color:var(--teal)}100%{transform:scale(1)}}
.txtin{width:100%;background:var(--surface-2);border:1px solid var(--line);border-radius:10px;padding:11px 13px;color:var(--ink);font-size:13.5px;font-family:'IBM Plex Mono'}
.txtin:focus{border-color:var(--blue);outline:none}
.txtin.bad{border-color:var(--danger);box-shadow:0 0 0 3px rgba(240,121,91,.15)}
.req{color:var(--danger);font-weight:700}
.elig-err{color:var(--danger);font-size:12px;line-height:1.4;min-height:14px;margin:-6px 0 12px}

/* stepper */
.steps-dots{display:flex;gap:6px;margin-bottom:20px}
.steps-dots i{height:3px;flex:1;background:var(--surface-2);border-radius:3px;transition:.3s}
.steps-dots i.done{background:var(--grad)}
.step{display:none}.step.show{display:block;animation:fade .3s}
@keyframes fade{from{opacity:0;transform:translateY(6px)}to{opacity:1;transform:none}}
.step-nav{display:flex;gap:10px;margin-top:6px}
.step-nav .btn{flex:1;justify-content:center;padding:12px}

/* eligibility result */
.elig-result{display:none}
.elig-result.show{display:block;animation:fade .4s}
.result-hero{text-align:center;padding:18px;background:linear-gradient(135deg,rgba(61,123,255,.1),rgba(22,199,181,.08));border:1px solid var(--line-2);border-radius:16px;margin-bottom:16px}
.result-hero .rlabel{font-size:11px;color:var(--muted);letter-spacing:.1em;text-transform:uppercase}
.result-hero .rband{font-family:'IBM Plex Mono';font-size:34px;font-weight:600;margin:6px 0;color:var(--emerald)}
.result-hero .remi{font-size:13px;color:var(--muted)}
.result-hero .remi b{color:var(--ink);font-family:'IBM Plex Mono'}
.rgrid{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-bottom:16px}
.rbox{background:var(--surface-2);border:1px solid var(--line);border-radius:13px;padding:14px}
.rbox h6{font-size:11px;color:var(--muted);text-transform:uppercase;letter-spacing:.06em;margin-bottom:9px;font-weight:600}
.rbox ul{list-style:none;font-size:12px;line-height:1.7}
.rbox li{display:flex;gap:7px;align-items:flex-start}
.rbox li::before{content:'';width:5px;height:5px;border-radius:50%;margin-top:7px;flex-shrink:0}
.rbox.good li::before{background:var(--emerald)}
.rbox.warn li::before{background:var(--gold)}

/* calc result + donut */
.calc-out{display:flex;gap:22px;align-items:center;margin-top:8px}
.donut{position:relative;width:130px;height:130px;flex-shrink:0}
.donut .dlabel{position:absolute;inset:0;display:grid;place-content:center;text-align:center}
.donut .dlabel small{font-size:10px;color:var(--muted);text-transform:uppercase;letter-spacing:.06em}
.donut .dlabel b{font-family:'IBM Plex Mono';font-size:19px;font-weight:600;display:block;line-height:1.4}
.calc-stats{flex:1;display:flex;flex-direction:column;gap:12px}
.cstat{display:flex;justify-content:space-between;align-items:center;padding-bottom:11px;border-bottom:1px solid var(--line)}
.cstat:last-child{border-bottom:none;padding-bottom:0}
.cstat .cs-l{font-size:12.5px;color:var(--muted);display:flex;align-items:center;gap:8px}
.cstat .cs-l i{width:10px;height:10px;border-radius:3px;display:inline-block}
.cstat .cs-v{font-family:'IBM Plex Mono';font-size:16px;font-weight:600}

.disclaim{font-size:11.5px;color:var(--muted-2);margin-top:16px;padding:11px 13px;background:rgba(217,178,92,.06);border:1px solid rgba(217,178,92,.18);border-radius:11px;display:flex;gap:9px;align-items:flex-start;line-height:1.5}
.disclaim svg{flex-shrink:0;margin-top:2px;color:var(--gold)}

/* ============ CREDIT FACTORS ============ */
.credit-sec{background:linear-gradient(180deg,rgba(15,23,41,.55),transparent)}
.credit-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:40px;align-items:center}
.big-gauge{position:relative;width:280px;height:170px;margin:0 auto}
.bg-score{position:absolute;bottom:0;left:0;right:0;text-align:center}
.bg-score b{font-family:'IBM Plex Mono';font-size:52px;font-weight:600;display:block;line-height:1}
.bg-score span{font-size:13px;color:var(--emerald);font-weight:600}
.bg-range{display:flex;justify-content:space-between;font-size:11px;color:var(--muted-2);margin-top:14px;font-family:'IBM Plex Mono'}
.factors{display:grid;grid-template-columns:1fr 1fr;gap:13px}
.factor{background:var(--surface);border:1px solid var(--line);border-radius:14px;padding:16px}
.factor-top{display:flex;justify-content:space-between;align-items:center;margin-bottom:8px}
.factor h5{font-family:'Plus Jakarta Sans';font-size:13px;font-weight:600}
.factor .fw{font-size:10.5px;color:var(--teal);font-family:'IBM Plex Mono';font-weight:600}
.factor p{font-size:11.5px;color:var(--muted-2);line-height:1.5}
.fbar{height:4px;background:var(--surface-2);border-radius:4px;margin:9px 0;overflow:hidden}
.fbar i{display:block;height:100%;background:var(--grad);border-radius:4px}

/* ============ COMPARISON TERMINAL ============ */
.terminal{background:var(--surface);border:1px solid var(--line-2);border-radius:22px;overflow:hidden;box-shadow:var(--shadow)}
.term-bar{display:flex;align-items:center;gap:8px;padding:14px 18px;background:rgba(8,11,20,.6);border-bottom:1px solid var(--line)}
.term-dot{width:11px;height:11px;border-radius:50%}
.term-bar .t-title{margin-left:8px;font-family:'IBM Plex Mono';font-size:12px;color:var(--muted)}
.term-bar .t-status{margin-left:auto;font-size:11px;color:var(--emerald);display:flex;align-items:center;gap:6px}
.term-filters{display:flex;flex-wrap:wrap;gap:10px;padding:16px 18px;border-bottom:1px solid var(--line)}
.tf{display:flex;flex-direction:column;gap:5px}
.tf label{font-size:10px;color:var(--muted-2);text-transform:uppercase;letter-spacing:.06em}
.tf select{background:var(--surface-2);border:1px solid var(--line);border-radius:9px;padding:8px 12px;color:var(--ink);font-size:12.5px;font-family:'Plus Jakarta Sans';min-width:130px}
.tf select:focus{border-color:var(--blue);outline:none}
.term-table{width:100%;border-collapse:collapse}
.term-table th{font-size:10.5px;color:var(--muted-2);text-transform:uppercase;letter-spacing:.05em;text-align:left;padding:14px 18px;font-weight:600;border-bottom:1px solid var(--line)}
.term-table td{padding:16px 18px;border-bottom:1px solid var(--line);font-size:13px;vertical-align:middle}
.term-table tr:last-child td{border-bottom:none}
.term-table tr:hover td{background:var(--glass)}
.lender{display:flex;align-items:center;gap:11px}
.lender-logo{width:36px;height:36px;border-radius:9px;background:var(--surface-2);border:1px solid var(--line);display:grid;place-items:center;font-family:'Space Grotesk';font-weight:700;font-size:13px;color:var(--blue-2)}
.lender b{font-size:13.5px;font-weight:600;display:block}
.lender small{font-size:10.5px;color:var(--muted-2)}
.rate{font-family:'IBM Plex Mono';font-weight:600;font-size:14px;color:var(--ink)}
.rate-tag{font-size:9.5px;font-weight:600;color:var(--teal);background:rgba(22,199,181,.12);border:1px solid rgba(22,199,181,.3);padding:1px 6px;border-radius:20px;white-space:nowrap;vertical-align:middle;margin-left:6px}
.muted-cell{font-family:'IBM Plex Mono';color:var(--muted);font-size:12.5px}
.req-btn{display:inline-block;font-size:11.5px;font-weight:600;padding:7px 13px;border-radius:9px;border:1px solid var(--line-2);transition:.15s;color:var(--ink);cursor:pointer}
.req-btn:hover{background:var(--grad);color:#06121f;border-color:transparent}
.sample-flag{display:inline-flex;align-items:center;gap:5px;font-size:10.5px;color:var(--gold);background:rgba(217,178,92,.1);border:1px solid rgba(217,178,92,.25);padding:3px 9px;border-radius:20px;font-weight:600}

/* ============ JOURNEY (animated process timeline) ============ */
.journey{display:grid;grid-template-columns:repeat(4,1fr);gap:8px 0;position:relative}
.jstep{padding:24px 20px 8px;position:relative}
.jstep-ic{position:relative;height:56px;margin-bottom:18px}
/* connector line (draws on scroll) */
.jline{position:absolute;top:25px;left:26px;right:-20px;height:2px;background:var(--surface-2);overflow:hidden;
  transform-origin:left;transform:scaleX(0);transition:transform .6s cubic-bezier(.4,.2,.2,1)}
.jline::before{content:'';position:absolute;inset:0;background:linear-gradient(90deg,var(--blue),var(--teal))}
/* travelling pulse of light along the drawn line */
.jline::after{content:'';position:absolute;top:50%;left:0;width:7px;height:7px;margin-top:-3.5px;border-radius:50%;
  background:#fff;box-shadow:0 0 10px 2px var(--teal);opacity:0}
.journey.drawn .jline{transform:scaleX(1)}
.journey.drawn .jline::after{animation:jflow 2.8s ease-in-out infinite}
@keyframes jflow{0%,100%{left:-4px;opacity:0}18%{opacity:1}82%{opacity:1}92%,100%{left:100%;opacity:0}}
.jstep:nth-child(4n) .jline{display:none}
/* sequential draw delay */
.journey.drawn .jstep:nth-child(1) .jline{transition-delay:.15s}
.journey.drawn .jstep:nth-child(2) .jline{transition-delay:.30s}
.journey.drawn .jstep:nth-child(3) .jline{transition-delay:.45s}
.journey.drawn .jstep:nth-child(5) .jline{transition-delay:.15s}
.journey.drawn .jstep:nth-child(6) .jline{transition-delay:.30s}
.journey.drawn .jstep:nth-child(7) .jline{transition-delay:.45s}
/* icon tile + number badge */
.jicon{position:relative;z-index:2;width:52px;height:52px;border-radius:16px;background:var(--surface-2);
  border:1px solid var(--line-2);display:grid;place-items:center;color:var(--blue-2);
  transition:transform .3s cubic-bezier(.34,1.4,.5,1),background .3s,border-color .3s,box-shadow .3s,color .3s}
.jicon svg{width:24px;height:24px}
.jnum{position:absolute;z-index:3;top:-7px;left:40px;min-width:22px;height:22px;padding:0 6px;border-radius:11px;
  background:var(--grad);color:#06121f;font-family:'IBM Plex Mono';font-weight:700;font-size:10.5px;
  display:grid;place-items:center;box-shadow:0 4px 10px -4px rgba(61,123,255,.7)}
.jstep:hover .jicon{background:var(--grad);border-color:transparent;color:#06121f;transform:translateY(-4px) scale(1.05);box-shadow:0 14px 28px -10px rgba(61,123,255,.75)}
.jstep h5{font-family:'Plus Jakarta Sans';font-size:14.5px;font-weight:700;margin-bottom:6px}
.jstep p{font-size:12px;color:var(--muted-2);line-height:1.55}
.jstep:hover h5{color:var(--ink)}

/* ============ TRACK TIMELINE ============ */
.track-card{position:relative;background:linear-gradient(180deg,var(--surface),rgba(15,23,41,.6));border:1px solid var(--line);border-radius:20px;padding:26px 26px 24px;box-shadow:var(--shadow);overflow:hidden}
.track-card::before{content:'';position:absolute;inset:0;border-radius:20px;padding:1px;background:linear-gradient(120deg,rgba(61,123,255,.55),transparent 38%,transparent 62%,rgba(22,199,181,.5));-webkit-mask:linear-gradient(#000 0 0) content-box,linear-gradient(#000 0 0);-webkit-mask-composite:xor;mask-composite:exclude;opacity:.6;pointer-events:none}
.track-head{display:flex;justify-content:space-between;align-items:center;margin-bottom:16px;flex-wrap:wrap;gap:10px;position:relative;z-index:1}
.track-head .ref{font-family:'IBM Plex Mono';font-size:13px;color:var(--muted)}
.track-head .ref b{color:var(--ink)}
.tprog{font-size:12px;color:var(--emerald);font-weight:700;letter-spacing:.02em;position:relative;z-index:1}
.tprog-num{font-family:'IBM Plex Mono';font-variant-numeric:tabular-nums}
/* thin progress bar */
.tbar{position:relative;height:6px;border-radius:6px;background:var(--surface-2);overflow:hidden;margin-bottom:30px;z-index:1}
.tbar-fill{position:absolute;inset:0 auto 0 0;width:0;border-radius:6px;background:linear-gradient(90deg,var(--blue),var(--teal));box-shadow:0 0 14px -2px rgba(22,199,181,.7)}
.tbar-fill::after{content:'';position:absolute;inset:0;background:linear-gradient(90deg,transparent,rgba(255,255,255,.55),transparent);transform:translateX(-100%);animation:tbarShine 2.6s ease-in-out infinite}
@keyframes tbarShine{0%{transform:translateX(-100%)}55%,100%{transform:translateX(340%)}}
/* node timeline */
.timeline{display:flex;align-items:flex-start;gap:0;overflow-x:auto;padding-bottom:6px;position:relative}
.tl-rail{position:absolute;top:16px;left:6%;width:88%;height:3px;border-radius:3px;background:var(--surface-2);z-index:0}
.tl-fill{position:absolute;top:0;left:0;height:100%;width:0;border-radius:3px;background:linear-gradient(90deg,var(--blue),var(--teal));box-shadow:0 0 12px -1px rgba(22,199,181,.8)}
.tl-fill::after{content:'';position:absolute;top:50%;right:-3px;width:10px;height:10px;border-radius:50%;transform:translateY(-50%);background:var(--teal);box-shadow:0 0 12px 3px rgba(22,199,181,.9)}
.tnode{display:flex;flex-direction:column;align-items:center;gap:11px;min-width:108px;position:relative;z-index:1;flex-shrink:0}
.tdot{width:32px;height:32px;border-radius:50%;display:grid;place-items:center;background:var(--surface-2);border:2px solid var(--line-2);position:relative;z-index:1;color:var(--muted-2);transition:transform .3s,box-shadow .3s,background .3s,border-color .3s}
.tdot svg{width:15px;height:15px}
.tnode.done .tdot{background:linear-gradient(135deg,var(--emerald),var(--teal));border-color:transparent;color:#04120c;box-shadow:0 6px 16px -6px rgba(25,195,125,.85)}
.tnode.now .tdot{background:linear-gradient(135deg,var(--blue),var(--blue-2));border-color:transparent;color:#fff}
.tnode.now .tdot::before{content:'';position:absolute;inset:-6px;border-radius:50%;border:2px solid var(--blue);opacity:.6;animation:nowPulse 1.9s ease-out infinite}
.tnode.now .tdot::after{content:'';width:9px;height:9px;border-radius:50%;background:#fff;box-shadow:0 0 10px 1px rgba(255,255,255,.85)}
@keyframes nowPulse{0%{transform:scale(.85);opacity:.75}100%{transform:scale(1.75);opacity:0}}
.tnode span{font-size:10.5px;color:var(--muted-2);text-align:center;line-height:1.3;max-width:92px}
.tnode.now span,.tnode.done span{color:var(--ink)}
.tnode.now span{font-weight:600}
.track-foot{margin-top:22px;font-size:11.5px;color:var(--muted-2);position:relative;z-index:1}

/* ============ ABOUT — STATS & PARTNERS ============ */
.about-stats{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.ast{background:var(--surface);border:1px solid var(--line);border-radius:16px;padding:22px 18px;text-align:center;position:relative;overflow:hidden}
.ast::before{content:'';position:absolute;inset:0;background:radial-gradient(120px circle at 50% 0%,rgba(61,123,255,.14),transparent 70%);pointer-events:none}
.ast b{display:block;font-family:'Space Grotesk';font-size:34px;font-weight:800;line-height:1;background:var(--grad);-webkit-background-clip:text;background-clip:text;color:transparent}
.ast b small{font-size:16px;font-weight:600;color:var(--muted-2);-webkit-text-fill-color:var(--muted-2)}
.ast span{display:block;margin-top:8px;font-size:12px;color:var(--muted)}
.bank-chips{display:flex;flex-wrap:wrap;gap:10px;justify-content:center;max-width:960px;margin:0 auto}
.bank-chips span{font-size:13px;font-weight:600;color:var(--muted);background:var(--surface);border:1px solid var(--line);border-radius:30px;padding:9px 16px;transition:.2s;cursor:default}
.bank-chips span:hover{color:var(--ink);border-color:var(--line-2);transform:translateY(-2px);box-shadow:0 10px 22px -14px rgba(61,123,255,.7)}
.bank-note{text-align:center;font-size:11.5px;color:var(--muted-2);margin-top:22px;max-width:640px;margin-left:auto;margin-right:auto}

/* ============ TESTIMONIALS ============ */
.review-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.review-card{background:var(--surface);border:1px solid var(--line);border-radius:16px;padding:22px;margin:0;display:flex;flex-direction:column;gap:14px;transition:transform .3s cubic-bezier(.2,.8,.2,1),border-color .3s,box-shadow .3s}
.review-card:hover{transform:translateY(-4px);border-color:var(--line-2);box-shadow:0 26px 50px -26px rgba(0,0,0,.7)}
.stars{position:relative;display:inline-block;font-size:15px;line-height:1;color:var(--line-2);letter-spacing:2px}
.stars::before{content:'★★★★★'}
.stars span{position:absolute;top:0;left:0;overflow:hidden;white-space:nowrap;color:var(--gold)}
.stars span::before{content:'★★★★★'}
.review-card blockquote{margin:0;font-size:13.5px;line-height:1.6;color:var(--muted);flex:1}
.review-card figcaption{display:flex;align-items:center;gap:11px;border-top:1px solid var(--line);padding-top:14px}
.rv-av{width:38px;height:38px;border-radius:50%;background:var(--grad);color:#06121f;display:grid;place-items:center;font-family:'Space Grotesk';font-weight:800;font-size:13px;flex-shrink:0}
.review-card figcaption b{font-size:13.5px;font-weight:700;display:block}
.review-card figcaption small{font-size:11.5px;color:var(--teal)}

/* ---- stagger testimonials (auto-play fan, depth-of-field) ---- */
.stagger-reviews{position:relative;width:100%;height:600px;overflow:hidden;user-select:none;z-index:1}
.stagger-reviews::before{content:'';position:absolute;left:50%;top:47%;width:920px;height:520px;max-width:120%;
  transform:translate(-50%,-50%);pointer-events:none;z-index:0;
  background:radial-gradient(ellipse at center,rgba(61,123,255,.13),rgba(22,199,181,.05) 42%,transparent 70%)}
.st-card{
  position:absolute;left:50%;top:50%;padding:30px;cursor:pointer;z-index:1;
  border:2px solid var(--line-2);background:var(--surface);color:var(--muted);
  clip-path:polygon(50px 0%,calc(100% - 50px) 0%,100% 50px,100% 100%,calc(100% - 50px) 100%,50px 100%,0 100%,0 0);
  transition:transform .6s cubic-bezier(.34,1.08,.42,1),opacity .5s ease,filter .5s ease,background .4s,border-color .4s,box-shadow .5s,color .4s;
  will-change:transform,opacity
}
.st-card:not(.center):hover{border-color:rgba(61,123,255,.5)}
.st-card.center{
  color:var(--ink);border-color:transparent;
  background:linear-gradient(155deg,rgba(61,123,255,.22),rgba(22,199,181,.12) 62%),var(--surface);
  box-shadow:0 0 0 1.5px rgba(61,123,255,.55),0 40px 80px -30px rgba(0,0,0,.9),0 0 84px -16px rgba(61,123,255,.5)
}
/* big faint quote mark */
.st-card::after{content:'\201D';position:absolute;top:10px;right:62px;font-family:'Space Grotesk',serif;font-size:82px;line-height:1;font-weight:800;color:var(--ink);opacity:.06;pointer-events:none}
.st-card.center::after{opacity:.14}
/* diagonal corner accent (matches the clipped corner) */
.st-line{position:absolute;right:-2px;top:48px;width:70.7px;height:2px;transform-origin:top right;transform:rotate(45deg);background:var(--line-2);transition:background .4s}
.st-card.center .st-line{background:linear-gradient(90deg,var(--blue),var(--teal))}
/* stars */
.st-card .stars{font-size:16px;margin-bottom:16px;letter-spacing:2.5px}
/* quote */
.st-quote{font-size:17px;line-height:1.5;font-weight:600;margin:0;color:var(--muted);letter-spacing:-.01em}
.st-card.center .st-quote{color:var(--ink)}
@media(max-width:640px){.st-quote{font-size:15px}.stagger-reviews{height:560px}.st-card::after{font-size:64px;right:54px}}
/* footer: avatar + name + verified + role */
.st-foot{position:absolute;left:30px;right:30px;bottom:28px;display:flex;align-items:center;gap:13px}
.st-av{width:46px;height:54px;border-radius:6px;flex-shrink:0;display:grid;place-items:center;
  font-family:'Space Grotesk';font-weight:800;font-size:16px;color:var(--muted);
  background:var(--surface-2);border:1px solid var(--line-2);box-shadow:3px 3px 0 var(--bg)}
.st-card.center .st-av{background:var(--grad);color:#06121f;border-color:transparent;box-shadow:3px 3px 0 rgba(0,0,0,.35)}
.st-meta{min-width:0}
.st-meta b{display:flex;align-items:center;gap:6px;font-weight:700;font-size:14px;color:var(--ink);line-height:1.2}
.st-verified{display:inline-grid;place-items:center;width:15px;height:15px;border-radius:50%;background:var(--emerald);color:#04120c;flex-shrink:0}
.st-verified svg{width:9px;height:9px}
.st-role{font-size:12px;color:var(--teal);font-weight:600;display:block;margin-top:3px}

/* ============ EDUCATION (glossary cards) ============ */
.edu-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.edu-card{--ec:#5B91FF;--ec-rgb:91,145,255;
  border:1px solid var(--line);border-radius:18px;padding:22px;position:relative;overflow:hidden;
  transition:transform .3s cubic-bezier(.2,.8,.2,1),border-color .35s,box-shadow .4s;will-change:transform}
@media(min-width:1081px){.edu-card:nth-child(even){margin-top:18px}}
.edu-card:hover{border-color:rgba(var(--ec-rgb),.55);box-shadow:0 30px 60px -26px rgba(0,0,0,.75),0 0 44px -18px rgba(var(--ec-rgb),.55)}
/* giant term watermark */
.edu-wm{position:absolute;top:-8px;right:8px;font-family:'Space Grotesk';font-weight:800;font-size:62px;letter-spacing:-.05em;line-height:1;
  color:rgb(var(--ec-rgb));opacity:.07;pointer-events:none;transition:opacity .4s,transform .5s cubic-bezier(.2,.7,.2,1)}
.edu-card:hover .edu-wm{opacity:.15;transform:translateX(-7px) rotate(-4deg)}
/* icon + key row */
.edu-top{display:flex;align-items:center;justify-content:space-between;gap:10px;margin-bottom:15px;position:relative}
.edu-ic{width:44px;height:44px;border-radius:13px;display:grid;place-items:center;flex-shrink:0;color:rgb(var(--ec-rgb));
  background:rgba(var(--ec-rgb),.1);border:1px solid rgba(var(--ec-rgb),.3);
  transition:transform .5s cubic-bezier(.34,1.5,.5,1),background .3s,color .3s,box-shadow .3s}
.edu-ic svg{width:21px;height:21px}
.edu-card:hover .edu-ic{background:rgb(var(--ec-rgb));color:#06121f;transform:rotate(-8deg) scale(1.12);box-shadow:0 10px 22px -8px rgba(var(--ec-rgb),.7)}
.edu-card .ekey{display:inline-block;width:fit-content;font-family:'IBM Plex Mono';font-size:10.5px;color:rgb(var(--ec-rgb));font-weight:600;letter-spacing:.05em;
  background:rgba(var(--ec-rgb),.08);border:1px solid rgba(var(--ec-rgb),.22);padding:3px 9px;border-radius:20px;white-space:nowrap;margin-bottom:8px}
.edu-card h5{font-family:'Plus Jakarta Sans';font-size:15px;font-weight:700;margin:0 0 7px;position:relative;transition:color .25s}
.edu-card:hover h5{color:#fff}
.edu-card p{font-size:12.5px;color:var(--muted);line-height:1.6;position:relative}
/* bottom accent line sweeps in */
.edu-line{position:absolute;left:0;bottom:0;height:2.5px;width:100%;transform:scaleX(0);transform-origin:left;
  background:linear-gradient(90deg,rgb(var(--ec-rgb)),transparent 85%);transition:transform .45s cubic-bezier(.2,.7,.2,1)}
.edu-card:hover .edu-line{transform:scaleX(1)}
/* accent-tinted cursor glow + surface (overrides the generic .edu-card glow rule) */
.edu-grid .edu-card{background:radial-gradient(210px circle at var(--mx) var(--my),rgba(var(--ec-rgb),var(--glow)),transparent 58%),linear-gradient(160deg,var(--surface),rgba(15,23,41,.75))}

/* ============ SUPPORT ============ */
.support-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:14px}
.sup-card{background:var(--surface);border:1px solid var(--line);border-radius:16px;padding:22px 18px;text-align:center;transition:.2s;cursor:pointer}
.sup-card:hover{transform:translateY(-3px);border-color:var(--line-2);box-shadow:var(--shadow)}
.sup-ic{width:48px;height:48px;border-radius:14px;background:var(--surface-2);border:1px solid var(--line);display:grid;place-items:center;font-size:21px;margin:0 auto 13px}
.sup-card:hover .sup-ic{background:var(--grad);border-color:transparent}
.sup-card h5{font-family:'Plus Jakarta Sans';font-size:13.5px;font-weight:600;margin-bottom:5px}
.sup-card p{font-size:11px;color:var(--muted-2)}

/* ============ FINAL CTA ============ */
.final-cta{text-align:center;padding:80px 0}
.cta-box{background:linear-gradient(135deg,rgba(61,123,255,.14),rgba(22,199,181,.1));border:1px solid var(--line-2);border-radius:30px;padding:56px 40px;position:relative;overflow:hidden}
.cta-box::before{content:'';position:absolute;width:400px;height:400px;background:radial-gradient(circle,rgba(61,123,255,.2),transparent 70%);top:-200px;left:50%;transform:translateX(-50%)}
.cta-box>*{position:relative;z-index:1}
.cta-box h2{font-size:clamp(28px,4vw,46px);font-weight:800;margin-bottom:16px}
.cta-box p{font-size:16px;color:var(--muted);max-width:520px;margin:0 auto 28px}
.cta-btns{display:flex;flex-wrap:wrap;gap:12px;justify-content:center}

/* ============ FOOTER ============ */
footer{background:var(--bg-2);border-top:1px solid var(--line);padding:56px 0 28px;position:relative;z-index:2}
.foot-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:36px;margin-bottom:36px}
.foot-brand p{font-size:13px;color:var(--muted);margin:16px 0;max-width:340px;line-height:1.65}
.foot-contact{display:flex;flex-direction:column;gap:9px;margin:0 0 18px;max-width:340px}
.foot-contact a,.foot-contact .fc-addr{display:flex;align-items:flex-start;gap:9px;font-size:12.5px;color:var(--muted);line-height:1.5;transition:.15s}
.foot-contact a:hover{color:var(--ink)}
.foot-contact span:first-child{opacity:.85;font-size:13px}
.foot-col h6{font-size:12px;text-transform:uppercase;letter-spacing:.08em;color:var(--muted-2);margin-bottom:14px;font-weight:600}
.foot-col a{display:block;font-size:13px;color:var(--muted);padding:5px 0;transition:.15s}
.foot-col a:hover{color:var(--ink)}
.disclaimer-box{background:rgba(8,11,20,.6);border:1px solid var(--line);border-radius:14px;padding:18px 20px;margin-bottom:28px;font-size:12.5px;color:var(--muted);line-height:1.7}
.disclaimer-box b{color:var(--ink)}
.foot-bottom{display:flex;justify-content:space-between;align-items:center;padding-top:22px;border-top:1px solid var(--line);font-size:12px;color:var(--muted-2);flex-wrap:wrap;gap:12px}
.foot-bottom .fb-links{display:flex;gap:18px}
.foot-bottom a:hover{color:var(--ink)}

/* ============ FLOATING ============ */
.float-stack{position:fixed;right:22px;bottom:22px;z-index:80;display:flex;flex-direction:column;gap:12px;align-items:flex-end}
.fab{width:56px;height:56px;border-radius:50%;display:grid;place-items:center;box-shadow:var(--shadow);transition:.2s;font-size:24px;position:relative}
.fab:hover{transform:scale(1.08)}
.fab-wa{background:#1faf5a;color:#fff}
.fab-ai{background:var(--grad);color:#06121f}
.fab-ai::after{content:'';position:absolute;top:-2px;right:-2px;width:14px;height:14px;border-radius:50%;background:var(--emerald);border:2px solid var(--bg)}
.ai-panel{
  position:absolute;bottom:70px;right:0;width:340px;background:rgba(12,17,33,.98);backdrop-filter:blur(24px);
  border:1px solid var(--line-2);border-radius:20px;box-shadow:var(--shadow);overflow:hidden;
  opacity:0;visibility:hidden;transform:translateY(12px) scale(.96);transform-origin:bottom right;transition:.25s
}
.ai-panel.open{opacity:1;visibility:visible;transform:none}
.aip-head{padding:16px 18px;background:var(--grad);color:#06121f;display:flex;align-items:center;gap:11px}
.aip-head .aih-ic{width:36px;height:36px;border-radius:11px;background:rgba(0,0,0,.18);display:grid;place-items:center;font-size:18px}
.aip-head b{font-size:14px;display:block}
.aip-head small{font-size:11px;opacity:.8;display:flex;align-items:center;gap:5px}
.aip-body{padding:18px;max-height:300px;overflow-y:auto}
.aip-msg{font-size:13px;line-height:1.55;background:var(--surface-2);border:1px solid var(--line);padding:12px 14px;border-radius:13px;border-bottom-left-radius:4px;margin-bottom:12px}
.aip-chips{display:flex;flex-wrap:wrap;gap:7px}
.aip-chip{font-size:11.5px;background:var(--surface);border:1px solid var(--line-2);padding:7px 12px;border-radius:20px;color:var(--muted);transition:.15s}
.aip-chip:hover{border-color:var(--blue);color:var(--ink)}
.aip-foot{padding:0 18px 16px;font-size:10px;color:var(--muted-2);line-height:1.4}

/* ============ RESPONSIVE ============ */
@media(max-width:1080px){
  .menu{display:none}
  .burger{display:flex}
  .hero-grid{grid-template-columns:1fr;gap:36px}
  .hero-visual{height:400px;order:-1}
  .split,.credit-grid{grid-template-columns:1fr}
  .svc-grid,.edu-grid,.journey,.about-stats,.review-grid{grid-template-columns:repeat(2,1fr)}
  .jstep .jline{display:none}
  .trust-row{grid-template-columns:repeat(3,1fr);gap:12px}
  .support-grid{grid-template-columns:repeat(2,1fr)}
  .foot-grid{grid-template-columns:1fr 1fr}
  .nav-actions .lang,.nav-actions .btn-ghost{display:none}
}
@media(max-width:560px){
  .wrap{padding:0 16px}
  .hero{padding:48px 0 40px}
  .hero-cta .btn{flex:1;justify-content:center}
  .svc-grid,.edu-grid,.journey,.support-grid,.foot-grid{grid-template-columns:1fr}
  .trust-row{grid-template-columns:1fr 1fr}
  .trust-cell{background:var(--surface);border-color:var(--line)}
  .rgrid{grid-template-columns:1fr}
  .factors{grid-template-columns:1fr}
  .calc-out{flex-direction:column}
  .term-filters{overflow-x:auto}
  .ai-panel{width:calc(100vw - 44px)}
  .cta-box{padding:40px 22px}
  .term-table{font-size:12px}
  .term-table th:nth-child(3),.term-table td:nth-child(3),
  .term-table th:nth-child(4),.term-table td:nth-child(4){display:none}
}
@media(prefers-reduced-motion:reduce){
  *{animation-duration:.001ms!important;animation-iteration-count:1!important;transition-duration:.001ms!important;scroll-behavior:auto!important}
}

/* ===================== PREMIUM MOTION LAYER ===================== */
/* film grain */
.grain{position:fixed;inset:0;z-index:60;pointer-events:none;opacity:.03;
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='200' height='200'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.85' numOctaves='2' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)'/%3E%3C/svg%3E")}
/* drifting aurora */
.aurora{position:fixed;inset:0;z-index:0;pointer-events:none;overflow:hidden;filter:blur(70px)}
.aurora .blob{position:absolute;border-radius:50%;opacity:.45;mix-blend-mode:screen;will-change:transform}
.aurora .blob.a{width:48vw;height:48vw;background:radial-gradient(circle,#1f4fd6,transparent 62%);top:-14vw;left:-10vw;animation:auD1 28s ease-in-out infinite}
.aurora .blob.b{width:42vw;height:42vw;background:radial-gradient(circle,#0e7d72,transparent 62%);top:16vh;right:-12vw;animation:auD2 34s ease-in-out infinite}
.aurora .blob.c{width:40vw;height:40vw;background:radial-gradient(circle,#2f6bff,transparent 60%);bottom:-16vw;left:16vw;animation:auD3 31s ease-in-out infinite}
.aurora .blob.d{width:30vw;height:30vw;background:radial-gradient(circle,#13243f,transparent 60%);top:38vh;left:42vw;animation:auD1 40s ease-in-out infinite reverse}
@keyframes auD1{0%,100%{transform:translate(0,0)}50%{transform:translate(6vw,7vh)}}
@keyframes auD2{0%,100%{transform:translate(0,0)}50%{transform:translate(-7vw,5vh)}}
@keyframes auD3{0%,100%{transform:translate(0,0)}50%{transform:translate(7vw,-6vh)}}
/* cursor spotlight */
/* (cursor spotlight removed — replaced by the custom dot+ring cursor) */
/* scroll reveal */
.reveal{opacity:0;transform:translateY(26px)}
.reveal.in{opacity:1;transform:none;transition:opacity .7s cubic-bezier(.2,.7,.2,1),transform .7s cubic-bezier(.2,.7,.2,1)}
/* cursor-follow glow inside cards */
.svc-card,.edu-card,.sup-card,.factor{--mx:50%;--my:50%;--glow:0}
.svc-card{background:radial-gradient(230px circle at var(--mx) var(--my),rgba(var(--accent-rgb),var(--glow)),transparent 58%),var(--surface)}
.edu-card,.sup-card,.factor{background:radial-gradient(200px circle at var(--mx) var(--my),rgba(91,145,255,var(--glow)),transparent 58%),var(--surface)}
/* magnetic buttons */
.btn-primary{transition:transform .2s cubic-bezier(.2,.7,.2,1),box-shadow .2s}
/* ===================== INTRO PRELOADER ===================== */
.preloader{position:fixed;inset:0;z-index:9999;background:radial-gradient(circle at 50% 42%,#0c1424,#06090f 72%);display:grid;place-items:center;transition:opacity .85s ease,transform .95s ease}
.preloader.done{opacity:0;transform:scale(1.1);pointer-events:none;visibility:hidden}
.pl-inner{display:flex;flex-direction:column;align-items:center;gap:26px;padding:20px;animation:plFloat 3s ease-in-out 2.3s infinite}
.pl-logo-wrap{position:relative;width:200px;height:200px;display:grid;place-items:center;perspective:800px;animation:lockPulse .55s ease 1.6s both, plGlow 3s ease 1.5s both}
.pl-ring{position:absolute;top:50%;left:50%;width:208px;height:208px;transform:translate(-50%,-50%);overflow:visible}
.pl-ring circle{fill:none;stroke-width:2}
.pl-ring .rtrack{stroke:rgba(255,255,255,.08)}
.pl-ring .rprog{stroke:url(#rg);stroke-linecap:round;stroke-dasharray:578;stroke-dashoffset:578;transform:rotate(-90deg);transform-origin:100px 100px;animation:ringFill 3.4s cubic-bezier(.4,0,.2,1) .7s forwards}
@keyframes ringFill{to{stroke-dashoffset:0}}
.pl-layer{position:absolute;width:150px;height:190px;object-fit:contain}
.pl-green{animation:flyGreen 1.25s cubic-bezier(.2,.85,.2,1) both}
.pl-navy{animation:flyNavy 1.25s cubic-bezier(.2,.85,.2,1) .45s both}
@keyframes flyGreen{0%{opacity:0;transform:translate(-92px,-98px) rotate(-165deg) rotateY(38deg) scale(.55)}70%{opacity:1}100%{opacity:1;transform:none}}
@keyframes flyNavy{0%{opacity:0;transform:translate(92px,98px) rotate(165deg) rotateY(-38deg) scale(.55)}70%{opacity:1}100%{opacity:1;transform:none}}
@keyframes lockPulse{0%{transform:scale(1)}45%{transform:scale(1.05)}100%{transform:scale(1)}}
@keyframes plGlow{0%{filter:drop-shadow(0 0 0 rgba(27,140,1,0))}40%{filter:drop-shadow(0 0 38px rgba(27,140,1,.42))}100%{filter:drop-shadow(0 0 18px rgba(26,65,134,.34))}}
.pl-name{display:flex;align-items:center;letter-spacing:.2em;font-family:'Space Grotesk';font-weight:800;font-size:18px;color:#eef3ff;text-shadow:0 0 20px rgba(120,160,255,.28)}
.pl-name span{color:#eef3ff}
.pl-name span{display:inline-block;opacity:0;transform:translateY(15px);animation:plRise .55s cubic-bezier(.2,.8,.2,1) forwards}
.pl-name .sp{width:.55em;animation:none}
@keyframes plRise{to{opacity:1;transform:none}}
.pl-tag{font-size:10.5px;letter-spacing:.24em;text-transform:uppercase;color:#16C7B5;opacity:0;animation:plFade .6s ease 2.7s forwards}
@keyframes plFade{to{opacity:.85}}
@media(max-width:560px){.pl-name{font-size:13px;letter-spacing:.14em}.pl-logo-wrap{width:172px;height:172px}.pl-ring{width:182px;height:182px}.pl-layer{width:128px;height:162px}}
.pl-burst{position:absolute;top:50%;left:50%;width:120px;height:120px;border-radius:50%;border:2px solid rgba(22,199,181,.6);transform:translate(-50%,-50%) scale(.3);opacity:0;animation:burst .9s ease-out 1.62s forwards;pointer-events:none}
@keyframes burst{0%{opacity:0;transform:translate(-50%,-50%) scale(.3)}30%{opacity:.85}100%{opacity:0;transform:translate(-50%,-50%) scale(2.5)}}
.pl-sparks{position:absolute;inset:0;pointer-events:none}
.pl-sparks i{position:absolute;top:50%;left:50%;width:4px;height:4px;border-radius:50%;background:linear-gradient(#1B8C01,#16C7B5);opacity:0;animation:spark .9s ease-out 1.62s forwards}
@keyframes spark{0%{opacity:0;transform:translate(-50%,-50%) scale(.3)}20%{opacity:1}100%{opacity:0;transform:translate(calc(-50% + var(--tx)),calc(-50% + var(--ty))) scale(.5)}}
@keyframes plFloat{0%,100%{transform:translateY(0)}50%{transform:translateY(-7px)}}
.pl-scan{position:absolute;top:50%;left:50%;width:250px;height:250px;transform:translate(-50%,-50%);border-radius:50%;background:conic-gradient(from 0deg,transparent 0deg,rgba(22,199,181,.22) 42deg,rgba(61,123,255,.12) 92deg,transparent 132deg);opacity:0;filter:blur(7px);pointer-events:none;animation:scanSpin 2.4s linear .3s forwards,scanFade 2.4s ease .3s forwards}
@keyframes scanSpin{from{transform:translate(-50%,-50%) rotate(0)}to{transform:translate(-50%,-50%) rotate(360deg)}}
@keyframes scanFade{0%{opacity:0}15%{opacity:.85}70%{opacity:.6}100%{opacity:0}}
.pl-comet-orbit{position:absolute;top:50%;left:50%;width:0;height:0;transform:translate(-50%,-50%) rotate(0);pointer-events:none;animation:cometSpin 3.4s cubic-bezier(.4,0,.2,1) .7s forwards}
.pl-comet{position:absolute;left:-4px;top:-96px;width:8px;height:8px;border-radius:50%;background:#9ff0e2;box-shadow:0 0 12px 3px rgba(22,199,181,.85)}
@keyframes cometSpin{to{transform:translate(-50%,-50%) rotate(360deg)}}
@media(max-width:560px){.pl-scan{width:215px;height:215px}.pl-comet{top:-84px}}
#fx{position:fixed;inset:0;z-index:0;pointer-events:none}


/* ===================== SHARED MULTI-PAGE ADDITIONS ===================== */
.subhero{padding:120px 0 56px;position:relative;z-index:2}
.subhero .eyebrow{margin-bottom:16px;display:inline-flex;align-items:center;gap:12px;font-size:14.5px;letter-spacing:.3em}
.subhero .eyebrow::before{content:"";width:34px;height:2px;background:var(--grad);border-radius:2px;flex-shrink:0}
.subhero h1{font-size:clamp(42px,6vw,74px);font-weight:800;margin-bottom:20px;max-width:980px;line-height:1.06;letter-spacing:-.025em}
.subhero h1 .hl{background:var(--grad);-webkit-background-clip:text;background-clip:text;color:transparent}
.subhero p{font-size:18.5px;color:var(--muted);max-width:640px;line-height:1.7}
.crumbs{display:flex;gap:8px;font-size:12.5px;color:var(--muted-2);margin-bottom:22px;align-items:center}
.crumbs a:hover{color:var(--ink)}
.crumbs span{color:var(--line-2)}

/* generic content blocks */
.content-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.info-card{background:var(--surface);border:1px solid var(--line);border-radius:var(--r);padding:22px}
.info-card .ic-ic{width:44px;height:44px;border-radius:12px;background:var(--surface-2);border:1px solid var(--line);display:grid;place-items:center;font-size:20px;margin-bottom:13px}
.info-card h4{font-size:16px;font-weight:700;margin-bottom:7px}
.info-card p{font-size:13px;color:var(--muted);line-height:1.6}
.prose{max-width:760px}
.prose p{color:var(--muted);font-size:15.5px;margin-bottom:16px;line-height:1.7}
.prose h3{font-size:22px;font-weight:700;margin:26px 0 12px}
.checklist{list-style:none;display:flex;flex-direction:column;gap:13px;margin:10px 0}
.checklist li{position:relative;padding-left:30px;font-size:14.5px;line-height:1.65;color:var(--muted);letter-spacing:-.005em}
.checklist li::before{content:'✓';position:absolute;left:0;top:1px;width:20px;height:20px;border-radius:6px;
  display:grid;place-items:center;font-size:11px;font-weight:800;color:var(--emerald);
  background:rgba(25,195,125,.12);border:1px solid rgba(25,195,125,.3)}
.checklist li b{color:var(--ink);font-weight:700}

/* accordion / FAQ */
.acc{border:1px solid var(--line);border-radius:14px;overflow:hidden;margin-bottom:10px;background:var(--surface)}
.acc summary{padding:17px 20px;font-weight:600;font-size:14.5px;cursor:pointer;list-style:none;display:flex;justify-content:space-between;align-items:center}
.acc summary::-webkit-details-marker{display:none}
.acc summary::after{content:'+';color:var(--teal);font-size:20px;font-weight:400}
.acc[open] summary::after{content:'–'}
.acc .acc-body{padding:0 20px 18px;font-size:13.5px;color:var(--muted);line-height:1.65}

/* forms */
.form-card{background:var(--surface);border:1px solid var(--line);border-radius:20px;padding:28px;box-shadow:var(--shadow)}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.fg{margin-bottom:15px}
.fg label{display:block;font-size:12.5px;color:var(--muted);margin-bottom:7px;font-weight:500}
.fg input,.fg select,.fg textarea{width:100%;background:var(--surface-2);border:1px solid var(--line);border-radius:10px;padding:11px 13px;color:var(--ink);font-size:14px;font-family:'Plus Jakarta Sans'}
.fg input:focus,.fg select:focus,.fg textarea:focus{border-color:var(--blue);outline:none}
.fg textarea{resize:vertical;min-height:110px}
.form-note{font-size:11.5px;color:var(--muted-2);margin-top:10px}
.toast{margin-top:14px;padding:13px 16px;border-radius:11px;background:rgba(25,195,125,.12);border:1px solid rgba(25,195,125,.3);color:var(--emerald);font-size:13.5px;display:none}
.toast.show{display:block;animation:fade .4s}

/* credit page */
.credit-stage{max-width:560px;margin:0 auto}
.cstep{display:none}.cstep.show{display:block;animation:fade .4s}
.consent-box{background:var(--surface-2);border:1px solid var(--line);border-radius:13px;padding:16px;font-size:12.5px;color:var(--muted);line-height:1.6;margin-bottom:16px}
.consent-check{display:flex;gap:11px;align-items:flex-start;font-size:13px;color:var(--ink);cursor:pointer;margin-bottom:8px}
.consent-check input{margin-top:3px;accent-color:var(--blue);width:16px;height:16px;flex-shrink:0}
.otp-row{display:flex;gap:10px;justify-content:center;margin:18px 0}
.otp-row input{width:46px;height:54px;text-align:center;font-size:20px;font-family:'IBM Plex Mono';background:var(--surface-2);border:1px solid var(--line);border-radius:11px;color:var(--ink)}
.otp-row input:focus{border-color:var(--blue);outline:none}
.loadwrap{text-align:center;padding:40px 0}
.spinner{width:54px;height:54px;border:3px solid var(--surface-2);border-top-color:var(--blue);border-radius:50%;margin:0 auto 18px;animation:spin 1s linear infinite}
@keyframes spin{to{transform:rotate(360deg)}}
.cdash{display:none}.cdash.show{display:block;animation:fade .5s}
.cscore-card{background:linear-gradient(135deg,rgba(61,123,255,.1),rgba(22,199,181,.07));border:1px solid var(--line-2);border-radius:20px;padding:28px;text-align:center;margin-bottom:18px}
.cscore-card .big-gauge{margin:6px auto}
.cgrid{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-bottom:18px}
.sample-banner{display:inline-flex;align-items:center;gap:7px;font-size:11.5px;color:var(--gold);background:rgba(217,178,92,.1);border:1px solid rgba(217,178,92,.28);padding:6px 13px;border-radius:20px;font-weight:600;margin-bottom:18px}

@media(max-width:1080px){.content-grid{grid-template-columns:1fr 1fr}}
@media(max-width:600px){.content-grid,.form-row,.cgrid{grid-template-columns:1fr}.subhero{padding:96px 0 36px}.otp-row input{width:40px;height:48px}}

/* ============ CIBIL — CLASSY ANALYZER INTRO ============ */
.analyze-stage{position:relative;height:0;overflow:hidden;opacity:0;pointer-events:none;text-align:center}
.analyze-stage.show{height:300px;opacity:1;padding:34px 0;transition:height .4s ease,opacity .4s ease}
.az-core{position:relative;width:150px;height:150px;margin:0 auto 24px}
.az-core::before{content:'';position:absolute;inset:-14px;border-radius:50%;
  background:radial-gradient(circle,rgba(201,162,75,.22),transparent 66%);animation:azPulse 1.9s ease-in-out infinite}
.az-ring{position:absolute;border-radius:50%;border:1.6px solid transparent}
.az-r1{inset:0;border-top-color:var(--blue);border-right-color:var(--blue-2);animation:azSpin 1.5s linear infinite}
.az-r2{inset:17px;border-bottom-color:rgba(45,212,191,.75);border-left-color:rgba(45,212,191,.35);animation:azSpin 2.2s linear infinite reverse}
.az-r3{inset:34px;border-top-color:rgba(201,162,75,.6);border-right-color:rgba(233,207,138,.4);animation:azSpin 3s linear infinite}
.az-shield{position:absolute;inset:0;display:grid;place-items:center}
.az-shield svg{width:46px;height:46px;color:var(--blue-2);filter:drop-shadow(0 0 16px rgba(201,162,75,.65))}
@keyframes azSpin{to{transform:rotate(360deg)}}
@keyframes azPulse{0%,100%{opacity:.45;transform:scale(.9)}50%{opacity:1;transform:scale(1.07)}}
.az-caption{font-family:'IBM Plex Mono';font-size:13px;color:var(--muted);min-height:18px;letter-spacing:.01em;
  animation:azFade .5s ease}
@keyframes azFade{from{opacity:0}to{opacity:1}}
.az-steps{display:flex;gap:8px;justify-content:center;margin-top:16px}
.az-dot{width:7px;height:7px;border-radius:50%;background:var(--surface-2);border:1px solid var(--line-2);transition:.35s}
.az-dot.on{background:var(--grad);border-color:transparent;box-shadow:0 0 10px rgba(201,162,75,.65)}
@media(prefers-reduced-motion:reduce){.analyze-stage{display:none}}

/* ============ CIBIL — LUXURIOUS RESULT CARD ============ */
#doneCard{position:relative;overflow:hidden;border-color:var(--line-2);
  background:radial-gradient(120% 80% at 50% -10%,rgba(201,162,75,.10),transparent 55%),var(--surface);
  box-shadow:0 30px 70px -30px rgba(0,0,0,.7),inset 0 1px 0 rgba(255,255,255,.05)}
/* gold hairline sheen along the top */
#doneCard::before{content:'';position:absolute;top:0;left:0;right:0;height:1px;
  background:linear-gradient(90deg,transparent,rgba(233,207,138,.8),transparent)}
/* faint rotating aura behind the gauge */
#doneCard .score-gauge::before{content:'';position:absolute;inset:-30px -30px auto -30px;height:200px;
  background:radial-gradient(circle at 50% 60%,rgba(45,212,191,.10),transparent 60%);pointer-events:none}
#doneCard .score-gauge{position:relative}
#scoreArc{transition:stroke-dashoffset 1.6s cubic-bezier(.2,.7,.2,1);filter:drop-shadow(0 0 6px rgba(201,162,75,.45))}
#doneCard .score-center b{background:linear-gradient(180deg,#FFFFFF,#E4C778);-webkit-background-clip:text;
  background-clip:text;color:transparent;text-shadow:0 0 24px rgba(201,162,75,.25)}
#doneCard .score-center span{display:inline-block;margin-top:4px;padding:3px 12px;border-radius:20px;font-size:11.5px;
  background:rgba(255,255,255,.05);border:1px solid var(--line-2);backdrop-filter:blur(4px)}
#doneCard .eyebrow{color:var(--teal)}
#doneCard .score-scaleline{font-size:9.5px;letter-spacing:.04em}
/* the score card rises + fades elegantly into view */
#doneCard.flyin{animation:scoreRise .85s cubic-bezier(.2,.8,.25,1) both}
@keyframes scoreRise{0%{opacity:0;transform:translateY(40px) scale(.94)}60%{opacity:1}100%{opacity:1;transform:none}}
@media(prefers-reduced-motion:reduce){#doneCard.flyin{animation:none}}

/* ============ CREDIT SCORE — RESULT GAUGE ============ */
.score-gauge{position:relative;width:220px;margin:0 auto}
.score-center{position:absolute;left:0;right:0;bottom:8px;text-align:center}
.score-center b{font-family:'IBM Plex Mono';font-size:46px;font-weight:600;display:block;line-height:1;color:var(--ink)}
.score-center span{font-size:13px;font-weight:700;letter-spacing:.02em}
#scoreArc{transition:stroke-dashoffset 1.4s cubic-bezier(.2,.7,.2,1)}
.score-scaleline{display:flex;justify-content:space-between;max-width:230px;margin:6px auto 0;font-size:10px;color:var(--muted-2);font-family:'IBM Plex Mono'}
.score-scaleline span:nth-child(2){color:var(--danger)}
.score-scaleline span:nth-child(3){color:var(--blue-2)}
.score-scaleline span:nth-child(4){color:var(--emerald)}

/* ============ CREDIT SCORE — EDUCATION ============ */
.cs-consent .req{margin-left:2px}
/* score range scale */
.range-scale{position:relative;max-width:940px;margin-top:12px}
.range-bar{position:relative;height:13px;border-radius:13px;transform-origin:left;
  background:linear-gradient(90deg,#F0795B,#D9B25C 40%,#5B91FF 62%,#16C7B5 80%,#19C37D);
  box-shadow:inset 0 0 0 1px rgba(255,255,255,.06),0 6px 20px -8px rgba(22,199,181,.4)}
.range-nums{display:flex;justify-content:space-between;font-family:'IBM Plex Mono';font-size:11px;color:var(--muted-2);margin-top:9px}
.range-marker{position:absolute;top:-38px;transform:translateX(-50%);white-space:nowrap;z-index:2;
  background:var(--surface-2);border:1px solid var(--line-2);border-radius:9px;padding:5px 10px;
  font-size:11.5px;font-weight:700;color:var(--ink);box-shadow:var(--shadow)}
.range-marker b{color:var(--emerald);font-family:'IBM Plex Mono'}
.range-marker::after{content:'';position:absolute;bottom:-5px;left:50%;margin-left:-4px;width:8px;height:8px;
  background:var(--surface-2);border-right:1px solid var(--line-2);border-bottom:1px solid var(--line-2);transform:rotate(45deg)}
.range-list{display:grid;grid-template-columns:repeat(5,1fr);gap:12px;margin-top:26px}
.range-card{background:var(--surface);border:1px solid var(--line);border-radius:14px;padding:15px 15px 16px;position:relative;overflow:hidden;transition:transform .25s,border-color .25s}
.range-card::before{content:'';position:absolute;top:0;left:0;right:0;height:3px;background:var(--rc,#5B91FF)}
.range-card:hover{transform:translateY(-3px);border-color:var(--line-2)}
.range-card .rr{font-family:'IBM Plex Mono';font-size:13px;font-weight:600;color:var(--ink)}
.range-card .rn{font-size:12.5px;font-weight:700;margin:5px 0 7px;color:var(--rc,#5B91FF)}
.range-card p{font-size:11.5px;color:var(--muted-2);line-height:1.5}
/* improve / mistakes two-up */
.improve-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px}
.tip-card{background:var(--surface);border:1px solid var(--line);border-radius:16px;padding:22px 22px 8px}
.tip-card h4{font-size:15px;font-weight:700;margin-bottom:4px;display:flex;align-items:center;gap:9px}
.tip-card .tip-tag{font-size:11px;padding:2px 9px;border-radius:20px;font-weight:600}
.tip-card.good .tip-tag{background:rgba(25,195,125,.12);color:var(--emerald);border:1px solid rgba(25,195,125,.28)}
.tip-card.bad .tip-tag{background:rgba(240,121,91,.1);color:var(--danger);border:1px solid rgba(240,121,91,.28)}
.tip-card .checklist{margin-top:14px}
.checklist.bad li::before{content:'✕';color:var(--danger);background:rgba(240,121,91,.1);border-color:rgba(240,121,91,.32)}
/* FAQ accordion */
.faq{max-width:860px;display:flex;flex-direction:column;gap:11px}
.faq details{background:var(--surface);border:1px solid var(--line);border-radius:14px;overflow:hidden;transition:border-color .2s}
.faq details[open]{border-color:var(--line-2)}
.faq summary{list-style:none;cursor:pointer;padding:16px 18px;font-size:14px;font-weight:600;color:var(--ink);
  display:flex;justify-content:space-between;align-items:center;gap:14px}
.faq summary::-webkit-details-marker{display:none}
.faq .fq-ic{width:24px;height:24px;flex-shrink:0;border-radius:7px;border:1px solid var(--line-2);position:relative;transition:.25s}
.faq .fq-ic::before,.faq .fq-ic::after{content:'';position:absolute;top:50%;left:50%;transform:translate(-50%,-50%);background:var(--blue-2);border-radius:2px;transition:.25s}
.faq .fq-ic::before{width:11px;height:2px}
.faq .fq-ic::after{width:2px;height:11px}
.faq details[open] .fq-ic{background:var(--grad);border-color:transparent;transform:rotate(180deg)}
.faq details[open] .fq-ic::before,.faq details[open] .fq-ic::after{background:#06121f}
.faq details[open] .fq-ic::after{height:0}
.faq .fa{padding:0 18px 17px;font-size:13px;color:var(--muted);line-height:1.65;animation:fade .35s ease}
@media(max-width:900px){.range-list{grid-template-columns:repeat(2,1fr)}.improve-grid{grid-template-columns:1fr}}
@media(max-width:560px){.range-list{grid-template-columns:1fr}}

/* injected components */
.mobile-menu{display:none;flex-direction:column;gap:4px;padding:14px 24px 20px;background:rgba(8,11,20,.97);border-bottom:1px solid var(--line);position:relative;z-index:6}
.mobile-menu.open{display:flex}
.mobile-menu a{font-size:15px;color:var(--muted);padding:10px 0;border-bottom:1px solid var(--line)}
.mobile-menu a:last-of-type{border:none}
@media(min-width:1081px){.mobile-menu{display:none!important}}

/* ============ CIBIL LEAD FORM — PREMIUM FIELD-LEVEL MOTION ============ */
#leadCard{position:relative;overflow:hidden}
#leadCard>*{position:relative;z-index:1}
/* golden scan-light that sweeps across the card on entrance */
#leadCard .card-scan{position:absolute;inset:0;z-index:0;pointer-events:none;opacity:0;
  background:linear-gradient(110deg,transparent 34%,rgba(201,162,75,.10) 46%,rgba(233,207,138,.30) 50%,rgba(201,162,75,.10) 54%,transparent 66%);
  transform:translateX(-120%)}
/* cursor-following gold glow */
#leadCard .card-glow{position:absolute;inset:0;z-index:0;pointer-events:none;opacity:0;transition:opacity .45s;
  background:radial-gradient(240px circle at var(--mx,50%) var(--my,50%),rgba(201,162,75,.10),transparent 62%)}
#leadCard:hover .card-glow{opacity:1}

/* live completion progress bar */
#leadCard .lead-prog{position:relative;height:5px;border-radius:5px;background:var(--surface-2);
  overflow:hidden;margin:10px 0 22px;box-shadow:inset 0 0 0 1px rgba(255,255,255,.05)}
#leadCard .lead-prog i{position:absolute;left:0;top:0;bottom:0;width:0;border-radius:5px;background:var(--grad);
  box-shadow:0 0 14px rgba(201,162,75,.55);transition:width .55s cubic-bezier(.2,.7,.2,1)}
#leadCard .lead-prog i::after{content:'';position:absolute;inset:0;border-radius:5px;
  background:linear-gradient(90deg,transparent,rgba(255,255,255,.55),transparent);
  transform:translateX(-100%);animation:leadShine 1.9s linear infinite}
#leadCard .lead-prog.full i::after{animation:none;opacity:0}
@keyframes leadShine{to{transform:translateX(220%)}}
#leadCard .lead-prog b{position:absolute;right:2px;top:-20px;font-size:11px;font-weight:700;
  color:var(--blue-2);font-family:'IBM Plex Mono';letter-spacing:.02em}

/* field with icon + focus glow + validity tick */
#leadCard .fi-wrap{position:relative}
#leadCard .fi-wrap input{padding-left:40px;padding-right:38px;
  transition:border-color .22s,box-shadow .28s,background .28s}
#leadCard .fi-ic{position:absolute;left:12px;top:50%;transform:translateY(-50%);width:18px;height:18px;
  color:var(--muted-2);pointer-events:none;transition:color .25s,transform .3s}
#leadCard .fi-ic svg{width:100%;height:100%;display:block}
#leadCard .fi-wrap input:focus{border-color:var(--blue);background:rgba(201,162,75,.045);
  box-shadow:0 0 0 3px rgba(201,162,75,.15),0 10px 24px -14px rgba(201,162,75,.65)}
#leadCard .fi-wrap input:focus~.fi-ic{color:var(--blue-2);transform:translateY(-50%) scale(1.12)}
/* gold beam sweeps in under the field on focus */
#leadCard .fi-wrap::after{content:'';position:absolute;left:11px;right:11px;bottom:0;height:2px;border-radius:2px;
  background:var(--grad);transform:scaleX(0);transform-origin:left;opacity:0;
  transition:transform .38s cubic-bezier(.2,.7,.2,1),opacity .3s}
#leadCard .fi-wrap:focus-within::after{transform:scaleX(1);opacity:.9}
/* validity tick pops in */
#leadCard .fi-ok{position:absolute;right:11px;top:50%;transform:translateY(-50%) scale(0) rotate(-20deg);
  width:22px;height:22px;border-radius:50%;background:rgba(34,192,138,.16);color:var(--emerald);
  display:grid;place-items:center;opacity:0;transition:transform .35s cubic-bezier(.34,1.6,.5,1),opacity .2s}
#leadCard .fi-ok svg{width:12px;height:12px}
#leadCard .field.valid .fi-ok{opacity:1;transform:translateY(-50%) scale(1) rotate(0)}
#leadCard .field.valid input{border-color:rgba(34,192,138,.45)}
#leadCard .field.valid .fi-ic{color:var(--emerald)}
/* active label lifts to gold */
#leadCard .fg label{transition:color .2s}
#leadCard .field:focus-within>label{color:var(--blue-2)}
#leadCard .field.valid>label{color:var(--emerald)}
/* the Yes/No field: valid = subtle emerald outline on the picked button already handled by .on */
#leadCard .field[data-field="loan"].valid .seg button.on{box-shadow:0 0 0 3px rgba(34,192,138,.18)}

/* ---- CSS entrance: each element rises + fades in, staggered (no network needed) ---- */
#leadCard.reveal>*:not(.card-scan):not(.card-glow){
  opacity:0;animation:leadIn .62s cubic-bezier(.2,.7,.2,1) both;animation-delay:var(--d,0ms)}
@keyframes leadIn{from{opacity:0;transform:translateY(26px) scale(.98)}to{opacity:1;transform:none}}
/* golden scan-light sweeps across the whole card once on load */
#leadCard.reveal .card-scan{animation:leadScan 1.5s cubic-bezier(.3,.7,.3,1) .25s 1 both}
@keyframes leadScan{
  0%{opacity:0;transform:translateX(-120%)}
  22%{opacity:1}
  78%{opacity:1}
  100%{opacity:0;transform:translateX(120%)}}

@media(prefers-reduced-motion:reduce){
  #leadCard .card-scan,#leadCard .card-glow,#leadCard .lead-prog i::after{display:none}
  #leadCard.reveal>*{opacity:1!important;animation:none!important}
}
/* ===================== PERSONAL LOAN — DETAIL SECTIONS ===================== */
/* Key highlights list */
.pl-highlights{list-style:none;display:grid;grid-template-columns:1fr 1fr;gap:13px 30px;padding:0;margin:0}
.pl-highlights li{position:relative;padding-left:28px;font-size:14px;color:var(--muted);line-height:1.6}
.pl-highlights li::before{content:"";position:absolute;left:0;top:6px;width:15px;height:15px;border-radius:5px;
  background:linear-gradient(135deg,#3D7BFF,#16C7B5);box-shadow:0 2px 8px rgba(61,123,255,.25)}
.pl-highlights li b{color:var(--ink);font-weight:600}

/* Bank comparison table (with logos) */
.bank-table{width:100%;border-collapse:collapse;min-width:760px}
.bank-table th{font-size:10.5px;color:var(--muted-2);text-transform:uppercase;letter-spacing:.05em;text-align:left;
  padding:14px 18px;font-weight:600;border-bottom:1px solid var(--line);white-space:nowrap}
.bank-table td{padding:13px 18px;border-bottom:1px solid var(--line);font-size:13px;vertical-align:middle;color:var(--muted)}
.bank-table tr:last-child td{border-bottom:none}
.bank-table tbody tr:hover td{background:var(--glass)}
.bank-cell{display:flex;align-items:center;gap:12px;min-width:180px}
.bank-logo{width:42px;height:42px;flex-shrink:0;border-radius:11px;background:#fff;border:1px solid var(--line);
  display:grid;place-items:center;padding:5px;overflow:hidden;box-shadow:0 2px 6px rgba(0,0,0,.18)}
.bank-logo img{max-width:100%;max-height:100%;object-fit:contain;display:block}
.bank-logo .bmono{font-size:11px;font-weight:800;letter-spacing:.02em;font-family:'Plus Jakarta Sans',sans-serif}
.bank-name{font-weight:600;color:var(--ink);font-size:13.5px;line-height:1.35}
.bank-table .b-rate{color:var(--teal);font-weight:600;font-family:'IBM Plex Mono',monospace;white-space:nowrap}
.bank-table .b-amt,.bank-table .b-fee,.bank-table .b-ten{white-space:normal}

/* Feature / benefit rows */
.feat-list{list-style:none;padding:0;margin:0;display:grid;gap:12px}
.feat-list li{display:flex;gap:13px;align-items:flex-start;font-size:13.5px;color:var(--muted);line-height:1.6}
.feat-list li .fl-ic{flex-shrink:0;width:34px;height:34px;border-radius:10px;background:var(--surface-2);
  border:1px solid var(--line);display:grid;place-items:center;font-size:16px}
.feat-list li b{color:var(--ink);font-weight:600}

/* Type-of-loan cards */
.type-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(232px,1fr));gap:14px}
.type-card{background:var(--surface-2);border:1px solid var(--line);border-radius:15px;padding:18px;transition:.18s}
.type-card:hover{border-color:var(--line-2);transform:translateY(-3px)}
.type-card .ty-ic{font-size:23px;margin-bottom:9px}
.type-card h5{font-family:'Plus Jakarta Sans',sans-serif;font-size:14.5px;font-weight:600;margin:0 0 6px;color:var(--ink)}
.type-card p{font-size:12.5px;color:var(--muted-2);line-height:1.55;margin:0}

/* Key–value table (eligibility) */
.kv-table{width:100%;border-collapse:collapse}
.kv-table td{padding:14px 18px;border-bottom:1px solid var(--line);font-size:13.5px;vertical-align:top;line-height:1.55}
.kv-table tr:last-child td{border-bottom:none}
.kv-table td:first-child{font-weight:600;color:var(--ink);width:32%}
.kv-table td:last-child{color:var(--muted)}

/* Document columns */
.doc-cols{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.doc-card{background:var(--surface-2);border:1px solid var(--line);border-radius:15px;padding:20px}
.doc-card h5{font-family:'Plus Jakarta Sans',sans-serif;font-size:14px;font-weight:600;margin:0 0 12px;color:var(--ink);
  display:flex;align-items:center;gap:8px}
.doc-card ul{list-style:none;padding:0;margin:0;display:grid;gap:9px}
.doc-card li{position:relative;padding-left:20px;font-size:13px;color:var(--muted);line-height:1.5}
.doc-card li::before{content:"";position:absolute;left:0;top:7px;width:6px;height:6px;border-radius:50%;background:var(--teal)}

@media(max-width:720px){
  .pl-highlights{grid-template-columns:1fr}
  .doc-cols{grid-template-columns:1fr}
  .bank-scroll{-webkit-overflow-scrolling:touch}
}

/* Numbered procedure steps (home loan application) */
.proc-list{list-style:none;counter-reset:proc;padding:0;margin:0;display:grid;gap:13px}
.proc-list li{counter-increment:proc;position:relative;padding:7px 0 0 50px;font-size:13.5px;color:var(--muted);line-height:1.6;min-height:36px;box-sizing:border-box}
.proc-list li::before{content:counter(proc,decimal-leading-zero);position:absolute;left:0;top:0;width:36px;height:36px;border-radius:11px;
  background:var(--surface-2);border:1px solid var(--line);display:grid;place-items:center;
  font-family:'IBM Plex Mono',monospace;font-size:12px;color:var(--teal);font-weight:600}
.proc-list li b{color:var(--ink);font-weight:600}

/* ===================== APPLY SECTION — auto-injected on loan pages ===================== */
.apply-sec{position:relative;padding:70px 0;background:
  radial-gradient(700px 320px at 12% 20%,rgba(201,162,75,.07),transparent 60%),
  radial-gradient(600px 300px at 95% 85%,rgba(45,212,191,.05),transparent 60%)}
.apply-grid{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:center}
.apply-copy h2{font-size:clamp(26px,3.4vw,38px);margin:12px 0 14px}
.apply-copy>p{color:var(--muted);font-size:14.5px;line-height:1.7;margin-bottom:18px;max-width:480px}
.apply-copy .checklist{margin-bottom:22px}
.apply-contact{display:flex;gap:12px;flex-wrap:wrap;align-items:center}
.apply-contact .ac-tel{display:inline-flex;align-items:center;gap:8px;font-family:'IBM Plex Mono',monospace;
  font-size:14.5px;font-weight:600;color:var(--ink);padding:10px 16px;border:1px solid var(--line-2);border-radius:12px;background:var(--glass)}
.apply-contact .ac-tel:hover{border-color:rgba(233,207,138,.5)}
.apply-card{background:linear-gradient(180deg,rgba(228,199,120,.05),transparent 120px),var(--surface);
  border:1px solid rgba(212,180,120,.28);border-top-color:rgba(233,207,138,.55);border-radius:22px;
  padding:26px 26px 22px;box-shadow:0 40px 90px -30px rgba(0,0,0,.8)}
.apply-card h3{font-size:19px;margin-bottom:3px}
.apply-card .ac-sub{font-size:11.5px;color:var(--muted-2);margin-bottom:16px}
.af{display:block;margin-bottom:13px;font-size:11.5px;font-weight:600;color:var(--muted);letter-spacing:.02em}
.af input,.af select,.af textarea{width:100%;margin-top:5px;background:var(--glass);border:1px solid var(--line);
  border-radius:11px;padding:10px 13px;font-size:13.5px;color:var(--ink);outline:none;transition:.15s;font-family:inherit}
.af input:focus,.af select:focus,.af textarea:focus{border-color:var(--gold);background:rgba(255,255,255,.02)}
.af select option{background:var(--surface);color:var(--ink)}
.af-row{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.af-btn{width:100%;justify-content:center;padding:13px;margin-top:4px}
.af-note{font-size:10.5px;color:var(--muted-2);text-align:center;margin-top:11px}
.af-err{display:none;margin-top:11px;padding:9px 13px;border-radius:10px;font-size:12px;
  background:rgba(240,121,91,.1);border:1px solid rgba(240,121,91,.32);color:var(--danger)}
.af-done{text-align:center;padding:26px 6px}
.af-done .ad-ic{width:58px;height:58px;border-radius:50%;margin:0 auto 14px;display:grid;place-items:center;
  font-size:25px;background:rgba(34,192,138,.12);border:1px solid rgba(34,192,138,.4);color:var(--emerald)}
.af-done h4{font-size:19px;margin-bottom:6px}
.af-done p{font-size:13px;color:var(--muted);line-height:1.65}
.af-done .ad-ref{display:inline-block;margin:12px 0;font-family:'IBM Plex Mono',monospace;font-size:12.5px;
  color:var(--blue-2);border:1px dashed rgba(212,180,120,.45);border-radius:9px;padding:7px 14px}
@media(max-width:900px){.apply-grid{grid-template-columns:1fr;gap:30px}.af-row{grid-template-columns:1fr}}

/* prose spans nicely when it's alone (EMI calculator removed from loan pages) */
.split>.prose:only-child{grid-column:1/-1;max-width:840px}

/* ===================== LUXE DOCUMENT CARDS (overrides base .doc-card) ===================== */
.doc-card{position:relative;
  background:linear-gradient(180deg,rgba(228,199,120,.05),transparent 110px),var(--surface);
  border:1px solid rgba(212,180,120,.2);border-top-color:rgba(233,207,138,.42);
  border-radius:18px;padding:22px 22px 18px;transition:.25s cubic-bezier(.2,.7,.2,1)}
.doc-card:hover{transform:translateY(-3px);border-color:rgba(233,207,138,.4);
  box-shadow:0 30px 64px -26px rgba(0,0,0,.8),0 0 34px -14px rgba(212,180,120,.3)}
.doc-card::after{content:attr(data-idx);position:absolute;top:17px;right:20px;
  font-family:'IBM Plex Mono',monospace;font-size:10.5px;letter-spacing:.2em;
  color:rgba(217,188,126,.45);font-weight:600}
.doc-card h5{display:flex;align-items:center;gap:12px;font-size:14.5px;margin:0 0 14px;
  padding-bottom:14px;border-bottom:1px solid rgba(212,180,120,.14)}
.dc-ic{width:40px;height:40px;flex-shrink:0;border-radius:12px;display:grid;place-items:center;
  color:#D9BC7E;font-size:17px;
  background:linear-gradient(160deg,rgba(212,180,120,.12),rgba(255,255,255,.02));
  border:1px solid rgba(212,180,120,.3);box-shadow:inset 0 1px 0 rgba(255,255,255,.06);
  transition:.25s}
.dc-ic svg{width:19px;height:19px;display:block}
.doc-card:hover .dc-ic{color:#F2DFAC;border-color:rgba(233,207,138,.55);
  box-shadow:0 0 20px -6px rgba(212,180,120,.45),inset 0 1px 0 rgba(255,255,255,.08)}
.doc-card li{color:var(--muted)}
.doc-card li::before{background:#D9BC7E}
.doc-card li+li{border-top:1px dashed rgba(255,255,255,.045);padding-top:9px;margin-top:0}

/* ===================== BLOG — luxe listing + article ===================== */
.blog-filter{display:flex;gap:8px;flex-wrap:wrap;margin-bottom:26px}
.bf-chip{font-size:11px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--muted);
  padding:8px 16px;border-radius:99px;border:1px solid var(--line);background:var(--glass);transition:.18s;cursor:pointer}
.bf-chip:hover{color:var(--ink);border-color:var(--line-2)}
.bf-chip.on{background:var(--grad);color:#141414;border-color:transparent;box-shadow:0 8px 20px -8px rgba(201,162,75,.55)}

/* cover art */
.bp-cover{position:relative;height:190px;border-radius:16px 16px 0 0;overflow:hidden;
  background:
    radial-gradient(340px 200px at 82% -30%,color-mix(in srgb,var(--bac) 26%,transparent),transparent 70%),
    radial-gradient(260px 190px at -10% 120%,color-mix(in srgb,var(--bac) 14%,transparent),transparent 65%),
    linear-gradient(160deg,#101830,#0B101E)}
.bp-cover.big{height:100%;min-height:290px;border-radius:20px 0 0 20px}
.bp-ring{position:absolute;border:1px solid color-mix(in srgb,var(--bac) 26%,transparent);border-radius:50%}
.bp-ring.r1{width:210px;height:210px;right:-58px;top:-58px}
.bp-ring.r2{width:300px;height:300px;right:-104px;top:-104px;opacity:.6}
.bp-ring.r3{width:390px;height:390px;right:-148px;top:-148px;opacity:.3}
.bp-cic{position:absolute;left:22px;bottom:20px;width:52px;height:52px;border-radius:15px;display:grid;place-items:center;
  color:var(--bac);background:linear-gradient(160deg,color-mix(in srgb,var(--bac) 16%,transparent),rgba(255,255,255,.02));
  border:1px solid color-mix(in srgb,var(--bac) 40%,transparent);
  box-shadow:0 10px 26px -10px color-mix(in srgb,var(--bac) 60%,transparent),inset 0 1px 0 rgba(255,255,255,.07)}
.bp-cic svg{width:24px;height:24px}
.bp-cat{position:absolute;top:16px;left:22px;font-size:9px;font-weight:800;letter-spacing:.22em;text-transform:uppercase;
  color:var(--bac);padding:5px 12px;border-radius:99px;border:1px solid color-mix(in srgb,var(--bac) 38%,transparent);
  background:color-mix(in srgb,var(--bac) 10%,rgba(10,14,26,.6));backdrop-filter:blur(6px)}
.bp-cat.inarticle{position:static;display:inline-block;color:var(--bac);margin-bottom:16px}

/* featured card */
.bp-featured{display:grid;grid-template-columns:1fr 1.1fr;margin-bottom:26px;border-radius:20px;overflow:hidden;
  background:linear-gradient(180deg,rgba(228,199,120,.04),transparent 140px),var(--surface);
  border:1px solid rgba(212,180,120,.24);border-top-color:rgba(233,207,138,.5);
  transition:.25s cubic-bezier(.2,.7,.2,1)}
.bp-featured:hover{transform:translateY(-3px);box-shadow:0 36px 80px -30px rgba(0,0,0,.85),0 0 40px -16px rgba(212,180,120,.3)}
.bpf-body{padding:34px 36px;display:flex;flex-direction:column;justify-content:center;gap:12px}
.bpf-tag{font-size:10px;font-weight:800;letter-spacing:.26em;text-transform:uppercase;
  background:var(--grad);-webkit-background-clip:text;background-clip:text;color:transparent}
.bpf-body h2{font-size:clamp(21px,2.6vw,30px);line-height:1.2}
.bpf-body p{font-size:13.5px;color:var(--muted);line-height:1.7}

/* grid cards */
.blog-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.bp-card{display:flex;flex-direction:column;border-radius:17px;overflow:hidden;
  background:var(--surface);border:1px solid var(--line);transition:.25s cubic-bezier(.2,.7,.2,1)}
.bp-card:hover{transform:translateY(-4px);border-color:rgba(212,180,120,.4);
  box-shadow:0 30px 64px -26px rgba(0,0,0,.8),0 0 30px -14px rgba(212,180,120,.28)}
.bp-body{padding:20px 20px 18px;display:flex;flex-direction:column;gap:9px;flex:1}
.bp-body h3{font-size:16px;line-height:1.32}
.bp-body p{font-size:12.5px;color:var(--muted-2);line-height:1.6;display:-webkit-box;-webkit-line-clamp:3;-webkit-box-orient:vertical;overflow:hidden}
.bp-meta{display:flex;gap:8px;align-items:center;font-size:11px;color:var(--muted-2);margin-top:auto}
.bp-meta i{font-style:normal;color:var(--line-2)}
.bp-meta.big{font-size:12.5px;margin:14px 0 0}
.bp-read{font-size:11px;font-weight:800;letter-spacing:.16em;text-transform:uppercase;color:#D9BC7E;margin-top:4px}
.bp-read b{display:inline-block;transition:.2s;font-weight:800}
.bp-card:hover .bp-read b,.bp-featured:hover .bp-read b{transform:translateX(4px)}
.bp-empty{padding:60px;text-align:center;color:var(--muted-2)}

/* article */
.bp-article{max-width:800px;margin:0 auto}
.bp-back{display:inline-block;font-size:12px;font-weight:600;color:var(--muted-2);margin-bottom:22px;transition:.15s}
.bp-back:hover{color:#E9CF8A}
.bp-article h1{font-size:clamp(28px,4vw,44px);font-weight:800;line-height:1.12;letter-spacing:-.02em;margin-bottom:14px}
.bp-rule{height:2px;width:74px;background:var(--grad);border-radius:2px;margin:22px 0 30px}
.bp-prose{font-size:15.5px;line-height:1.85;color:var(--muted)}
.bp-prose p{margin-bottom:18px}
.bp-prose b{color:var(--ink)}
.bp-prose h3{font-size:19px;color:var(--ink);margin:30px 0 12px;padding-left:14px;border-left:3px solid var(--gold)}
.bp-prose ul,.bp-prose ol{margin:0 0 18px 4px;padding-left:20px}
.bp-prose li{margin-bottom:9px}
.bp-prose li::marker{color:#D9BC7E}
.bp-prose blockquote{margin:26px 0;padding:18px 22px;border-left:3px solid var(--gold);border-radius:0 14px 14px 0;
  background:rgba(201,162,75,.06);font-family:'Space Grotesk';font-size:16.5px;line-height:1.6;color:var(--ink)}
.bp-prose .callout{margin:26px 0;padding:16px 20px;border-radius:14px;font-size:13.5px;line-height:1.7;
  border:1px dashed rgba(212,180,120,.4);background:rgba(201,162,75,.05);color:var(--muted)}
.bp-prose .callout b{color:#E9CF8A}
.bp-share{display:flex;gap:12px;align-items:center;flex-wrap:wrap;margin:34px 0;padding:18px 0;
  border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.bp-share>span{font-size:12px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--muted-2);margin-right:auto}
.bp-cta{display:flex;align-items:center;justify-content:space-between;gap:18px;flex-wrap:wrap;
  padding:26px 28px;border-radius:18px;margin-bottom:40px;
  background:linear-gradient(120deg,rgba(201,162,75,.1),rgba(45,212,191,.05)),var(--surface);
  border:1px solid rgba(212,180,120,.3)}
.bp-cta h3{font-size:19px;margin-bottom:4px}
.bp-cta p{font-size:13px;color:var(--muted)}
.bp-related h4{font-size:13px;font-weight:800;letter-spacing:.2em;text-transform:uppercase;color:var(--muted-2);margin-bottom:16px}

@media(max-width:1000px){.blog-grid{grid-template-columns:1fr 1fr}.bp-featured{grid-template-columns:1fr}.bp-cover.big{min-height:210px;border-radius:20px 20px 0 0}}
@media(max-width:640px){.blog-grid{grid-template-columns:1fr}}

/* ===================== BLOG v2 — illustrated covers + motion ===================== */
.bp-cover .bp-art{position:absolute;inset:0;width:100%;height:100%;transition:transform .5s cubic-bezier(.2,.7,.2,1)}
.bp-card:hover .bp-art,.bp-featured:hover .bp-art{transform:scale(1.06)}
.bp-cover::after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,transparent 55%,rgba(6,9,18,.42));pointer-events:none}
/* art micro-animations */
.bp-art .f1{animation:bpFloat 4.5s ease-in-out infinite}
.bp-art .f2{animation:bpFloat 5.5s ease-in-out .8s infinite}
.bp-art .drift{animation:bpDrift 16s ease-in-out infinite alternate}
.bp-art .pulse{animation:bpPulse 2.8s ease-in-out infinite}
.bp-art .dash{stroke-dasharray:7 8;animation:bpDash 1.6s linear infinite}
.bp-art .dash2{stroke-dasharray:7 8;animation:bpDash 1.6s linear .8s infinite}
.bp-art .rock{transform-box:fill-box;transform-origin:center;animation:bpRock 5s ease-in-out infinite}
.bp-art .rock2{transform-box:fill-box;transform-origin:50% 8px;animation:bpRock 6s ease-in-out infinite}
.bp-art .spin{transform-box:fill-box;transform-origin:center;animation:bpSpin 26s linear infinite}
@keyframes bpFloat{0%,100%{transform:translateY(0)}50%{transform:translateY(-9px)}}
@keyframes bpDrift{from{transform:translateX(-14px)}to{transform:translateX(26px)}}
@keyframes bpPulse{0%,100%{opacity:1}50%{opacity:.35}}
@keyframes bpDash{to{stroke-dashoffset:-30}}
@keyframes bpRock{0%,100%{transform:rotate(-4deg)}50%{transform:rotate(4deg)}}
@keyframes bpSpin{to{transform:rotate(360deg)}}
/* stagger reveal */
.bp-card,.bp-featured{opacity:0;transform:translateY(26px);transition:opacity .6s cubic-bezier(.2,.7,.2,1),transform .6s cubic-bezier(.2,.7,.2,1),border-color .25s,box-shadow .25s}
.bp-card.in,.bp-featured.in{opacity:1;transform:none}
.bp-card.in:hover{transform:translateY(-4px)}
.bp-featured.in:hover{transform:translateY(-3px)}
/* reading progress */
.bp-progress{position:fixed;top:0;left:0;right:0;height:3px;z-index:200;background:transparent}
.bp-progress i{display:block;height:100%;width:0;background:var(--grad);box-shadow:0 0 12px rgba(201,162,75,.7);transition:width .12s linear}
/* article hero art */
.bp-hero-art{position:relative;height:280px;border-radius:22px;overflow:hidden;margin-bottom:26px;
  border:1px solid rgba(212,180,120,.28);border-top-color:rgba(233,207,138,.5);box-shadow:0 34px 80px -30px rgba(0,0,0,.85)}
.bp-hero-art .bp-art{position:absolute;inset:0;width:100%;height:100%}
.bp-hero-art .bp-cat{position:absolute;top:18px;left:22px}
/* drop cap + author chip */
.bp-prose.dropcap>p:first-of-type::first-letter{
  font-family:'Space Grotesk';font-size:54px;font-weight:800;line-height:.85;
  float:left;margin:6px 12px 0 0;background:var(--grad);-webkit-background-clip:text;background-clip:text;color:transparent}
.bp-author{display:inline-flex;align-items:center;gap:8px}
.bp-ava{width:26px;height:26px;border-radius:50%;display:inline-grid;place-items:center;font-size:10px;font-weight:800;
  color:#141414;background:var(--grad)}
@media(max-width:640px){.bp-hero-art{height:190px}}
@media(prefers-reduced-motion:reduce){.bp-art *{animation:none!important}.bp-card,.bp-featured{opacity:1;transform:none}}

/* ===================== GALLERY — 3D showcase ring + tilt grid + lightbox ===================== */
/* stage */
.gal-stage{position:relative;height:560px;perspective:1400px;perspective-origin:50% 42%}
.gal-floor{position:absolute;left:50%;bottom:26px;transform:translateX(-50%);width:74%;height:120px;
  background:radial-gradient(closest-side,rgba(201,162,75,.16),transparent 72%);filter:blur(6px);pointer-events:none}
.gal-ring{position:absolute;inset:0;transform-style:preserve-3d;animation:galSpin 40s linear infinite}
.gal-stage:hover .gal-ring{animation-play-state:paused}
@keyframes galSpin{from{transform:rotateY(0)}to{transform:rotateY(-360deg)}}
.gal-panel{position:absolute;left:50%;top:46%;width:var(--gw,480px);transform-style:preserve-3d;backface-visibility:hidden}
.gal-frame{position:relative;margin:0;border-radius:18px;overflow:hidden;cursor:pointer;
  border:1px solid rgba(212,180,120,.42);border-top-color:rgba(233,207,138,.7);
  box-shadow:0 40px 90px -30px rgba(0,0,0,.9),0 0 46px -18px rgba(212,180,120,.4);
  backface-visibility:hidden;background:#0B101E;
  animation:galEnter .9s cubic-bezier(.2,.7,.2,1) both;
  -webkit-box-reflect:below 14px linear-gradient(transparent 66%,rgba(255,255,255,.1));
  transition:box-shadow .3s}
.gal-frame:hover{box-shadow:0 46px 100px -30px rgba(0,0,0,.95),0 0 70px -16px rgba(212,180,120,.6)}
@keyframes galEnter{from{opacity:0;transform:translateZ(-500px) scale(.7)}to{opacity:1;transform:none}}
.gal-frame img{display:block;width:100%;height:calc(var(--gw,480px)*0.62);object-fit:cover}
.gal-frame figcaption{position:absolute;left:0;right:0;bottom:0;padding:34px 18px 13px;
  background:linear-gradient(180deg,transparent,rgba(6,9,18,.88));font-size:12px;color:var(--muted)}
.gal-frame figcaption b{display:block;color:var(--ink);font-family:'Space Grotesk';font-size:14.5px;letter-spacing:.01em}
.gal-hint{position:absolute;left:50%;bottom:-6px;transform:translateX(-50%);font-size:11px;letter-spacing:.16em;
  text-transform:uppercase;color:var(--muted-2);white-space:nowrap}
.gal-hint::before{content:"";display:none}
/* tilt grid */
.gal-grid{display:grid;grid-template-columns:1fr 1fr;gap:22px;perspective:1100px}
.gal-card{opacity:0;transform:translateY(30px);transition:opacity .6s cubic-bezier(.2,.7,.2,1),transform .6s cubic-bezier(.2,.7,.2,1);cursor:pointer}
.gal-card.in{opacity:1;transform:none}
.gc-inner{position:relative;border-radius:20px;overflow:hidden;transform-style:preserve-3d;
  transition:transform .25s cubic-bezier(.2,.7,.2,1),box-shadow .3s;
  border:1px solid rgba(212,180,120,.26);border-top-color:rgba(233,207,138,.5);
  box-shadow:0 30px 70px -28px rgba(0,0,0,.85)}
.gal-card:hover .gc-inner{box-shadow:0 44px 90px -30px rgba(0,0,0,.95),0 0 54px -18px rgba(212,180,120,.5)}
.gc-inner img{display:block;width:100%;height:340px;object-fit:cover;transition:transform .5s cubic-bezier(.2,.7,.2,1)}
.gal-card:hover .gc-inner img{transform:scale(1.06)}
.gc-glare{position:absolute;inset:0;pointer-events:none;mix-blend-mode:screen}
.gc-num{position:absolute;top:16px;right:20px;font-family:'IBM Plex Mono',monospace;font-size:11px;
  letter-spacing:.22em;color:rgba(233,207,138,.85);background:rgba(6,9,18,.55);border:1px solid rgba(212,180,120,.35);
  border-radius:99px;padding:4px 12px;backdrop-filter:blur(6px)}
.gc-cap{position:absolute;left:0;right:0;bottom:0;padding:48px 22px 18px;
  background:linear-gradient(180deg,transparent,rgba(6,9,18,.92));transform:translateY(8px);opacity:.94;transition:.3s}
.gal-card:hover .gc-cap{transform:none;opacity:1}
.gc-cap b{display:block;font-family:'Space Grotesk';font-size:18px;color:var(--ink)}
.gc-cap span{font-size:12.5px;color:var(--muted)}
.gc-cap i{display:inline-block;margin-top:8px;font-style:normal;font-size:10.5px;font-weight:800;
  letter-spacing:.2em;text-transform:uppercase;color:#E9CF8A;opacity:0;transform:translateY(6px);transition:.3s .05s}
.gal-card:hover .gc-cap i{opacity:1;transform:none}
/* lightbox */
.gal-lb{position:fixed;inset:0;z-index:300;display:flex;align-items:center;justify-content:center;gap:18px;
  background:rgba(5,8,16,.9);backdrop-filter:blur(14px);padding:30px;animation:fadeIn .2s}
@keyframes fadeIn{from{opacity:0}to{opacity:1}}
.gal-lb figure{margin:0;max-width:min(1100px,88vw);text-align:center}
.gal-lb img{max-width:100%;max-height:78vh;border-radius:16px;border:1px solid rgba(212,180,120,.45);
  box-shadow:0 60px 130px -40px rgba(0,0,0,1)}
.gal-lb img.zoom{animation:lbZoom .35s cubic-bezier(.2,.7,.2,1)}
@keyframes lbZoom{from{transform:scale(.92);opacity:0}to{transform:none;opacity:1}}
.gal-lb figcaption{margin-top:14px;font-size:13px;color:var(--muted)}
.gal-lb figcaption b{color:#E9CF8A;font-family:'Space Grotesk'}
.gal-lb-x{position:absolute;top:22px;right:26px;width:42px;height:42px;border-radius:12px;font-size:16px;
  border:1px solid rgba(212,180,120,.4);background:rgba(255,255,255,.05);color:var(--ink)}
.gal-lb-x:hover{background:rgba(240,121,91,.15);border-color:rgba(240,121,91,.5)}
.gal-lb-nav{width:46px;height:46px;border-radius:50%;font-size:22px;flex-shrink:0;
  border:1px solid rgba(212,180,120,.4);background:rgba(255,255,255,.05);color:#E9CF8A;transition:.2s}
.gal-lb-nav:hover{background:rgba(201,162,75,.18);transform:scale(1.08)}
@media(max-width:860px){
  .gal-stage{height:400px}
  .gal-grid{grid-template-columns:1fr}
  .gc-inner img{height:250px}
  .gal-lb-nav{position:fixed;bottom:24px;z-index:2}
  .gal-lb-nav.prev{left:24%}.gal-lb-nav.next{right:24%}
}
@media(prefers-reduced-motion:reduce){.gal-ring{animation:none}.gal-frame{animation:none}}

/* ===================== MEET THE FOUNDER — animated luxe profile ===================== */
.founder-sec{position:relative}
.founder-grid{display:grid;grid-template-columns:1fr 1.15fr;gap:56px;align-items:center}
.founder-visual{position:relative;display:grid;place-items:center;min-height:480px}
/* rotating conic gold ring behind the portrait */
.fv-ring{position:absolute;width:380px;height:380px;border-radius:50%;
  background:conic-gradient(from 0deg,transparent 12%,rgba(201,162,75,.55) 24%,transparent 38%,transparent 60%,rgba(45,212,191,.35) 72%,transparent 86%);
  filter:blur(1px);animation:fvSpin 14s linear infinite;
  -webkit-mask:radial-gradient(farthest-side,transparent calc(100% - 3px),#000 calc(100% - 2px));
  mask:radial-gradient(farthest-side,transparent calc(100% - 3px),#000 calc(100% - 2px))}
.fv-orbit{position:absolute;width:440px;height:440px;border-radius:50%;
  border:1px dashed rgba(212,180,120,.22);animation:fvSpin 30s linear infinite}
.fv-orbit i{position:absolute;top:-4.5px;left:50%;width:9px;height:9px;border-radius:50%;
  background:var(--grad);box-shadow:0 0 14px rgba(233,207,138,.9)}
@keyframes fvSpin{to{transform:rotate(360deg)}}
.fv-photo{position:relative;z-index:2;width:300px;height:370px;margin:0;border-radius:170px 170px 26px 26px;
  overflow:hidden;border:1px solid rgba(233,207,138,.55);
  box-shadow:0 44px 90px -28px rgba(0,0,0,.9),0 0 60px -18px rgba(201,162,75,.45),inset 0 1px 0 rgba(255,255,255,.15);
  animation:fvEnter 1s cubic-bezier(.2,.7,.2,1) both}
.fv-photo img{width:100%;height:100%;object-fit:cover;object-position:top center}
@keyframes fvEnter{from{opacity:0;transform:translateY(34px) scale(.94)}to{opacity:1;transform:none}}
/* floating achievement chips */
.fv-chip{position:absolute;z-index:3;font-size:11.5px;font-weight:600;color:var(--ink);
  padding:9px 15px;border-radius:99px;white-space:nowrap;
  background:rgba(12,17,33,.85);border:1px solid rgba(212,180,120,.4);backdrop-filter:blur(8px);
  box-shadow:0 14px 34px -14px rgba(0,0,0,.8)}
.fv-chip.c1{top:9%;left:0;animation:fvBob 5.5s ease-in-out infinite}
.fv-chip.c2{bottom:12%;right:0;animation:fvBob 6.5s ease-in-out .9s infinite}
@keyframes fvBob{0%,100%{transform:translateY(0)}50%{transform:translateY(-10px)}}
/* floating mini award photos */
.fv-mini{position:absolute;z-index:3;width:118px;height:86px;margin:0;border-radius:13px;overflow:hidden;
  border:1px solid rgba(212,180,120,.45);box-shadow:0 18px 40px -16px rgba(0,0,0,.85)}
.fv-mini img{width:100%;height:100%;object-fit:cover}
.fv-mini.m1{top:16%;right:-2%;transform:rotate(5deg);animation:fvBob 7s ease-in-out .4s infinite}
.fv-mini.m2{bottom:4%;left:2%;transform:rotate(-5deg);animation:fvBob 6s ease-in-out 1.4s infinite}
/* copy side */
.founder-copy h2{font-size:clamp(34px,4.4vw,54px);margin:12px 0 6px;letter-spacing:-.02em}
.fc-role{font-size:12px;font-weight:700;letter-spacing:.22em;text-transform:uppercase;color:var(--teal);margin-bottom:20px}
.fc-quote{margin:0 0 18px;padding:18px 22px;border-left:3px solid var(--gold);border-radius:0 16px 16px 0;
  background:rgba(201,162,75,.07);font-family:'Space Grotesk';font-size:17px;line-height:1.6;color:var(--ink)}
.fc-bio{font-size:14px;color:var(--muted);line-height:1.75;margin-bottom:22px;max-width:560px}
.fc-stats{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:24px}
.fc-stats>div{flex:1;min-width:130px;padding:14px 18px;border-radius:15px;
  background:linear-gradient(180deg,rgba(228,199,120,.05),transparent 80%),var(--surface);
  border:1px solid rgba(212,180,120,.24);border-top-color:rgba(233,207,138,.5)}
.fc-stats b{display:block;font-family:'Space Grotesk';font-size:23px;font-weight:700;
  background:var(--grad);-webkit-background-clip:text;background-clip:text;color:transparent}
.fc-stats span{font-size:11px;color:var(--muted-2);letter-spacing:.03em}
.fc-actions{display:flex;gap:11px;flex-wrap:wrap}
.fc-note{font-size:10.5px;color:var(--muted-2);margin-top:12px}
@media(max-width:960px){
  .founder-grid{grid-template-columns:1fr;gap:34px}
  .founder-visual{min-height:430px}
  .fv-ring{width:320px;height:320px}.fv-orbit{width:370px;height:370px}
  .fv-photo{width:250px;height:310px}
  .fv-mini{width:96px;height:70px}
  .fv-chip.c1{left:-2%}.fv-chip.c2{right:-2%}
}
@media(prefers-reduced-motion:reduce){.fv-ring,.fv-orbit,.fv-chip,.fv-mini{animation:none}}