/* ============================================================
   ATLANTIC CAPITALS — MAIN STYLESHEET
   Palette: Navy #1F1B44 | Gold #C8A96E | Off-white #F7F5F0
   Type: Cormorant Garamond (display) + DM Sans (body)
   ============================================================ */

/* ── TOKENS ─────────────────────────────────────────────── */
:root {
  --navy:        #1F1B44;
  --navy-deep:   #130F2E;
  --navy-mid:    #2C2660;
  --gold:        #C8A96E;
  --gold-light:  #DFC99A;
  --gold-dark:   #A8883E;
  --cream:       #F7F5F0;
  --cream-dark:  #EDE9E0;
  --white:       #FFFFFF;
  --text:        #2A2A3A;
  --text-mid:    #5A5A7A;
  --text-light:  #9898B8;
  --border:      rgba(31,27,68,.1);
  --border-gold: rgba(200,169,110,.25);

  --ff-display: 'Cormorant Garamond', Georgia, serif;
  --ff-body:    'DM Sans', system-ui, sans-serif;

  --nav-h:    80px;
  --r-sm:     6px;
  --r-md:     10px;
  --r-lg:     16px;
  --r-xl:     24px;

  --shadow-sm: 0 2px 12px rgba(31,27,68,.08);
  --shadow-md: 0 8px 32px rgba(31,27,68,.12);
  --shadow-lg: 0 20px 60px rgba(31,27,68,.18);
  --shadow-xl: 0 32px 80px rgba(31,27,68,.24);
}

/* ── RESET ───────────────────────────────────────────────── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; -webkit-text-size-adjust: 100%; }
body {
  font-family: var(--ff-body);
  background: var(--white);
  color: var(--text);
  line-height: 1.65;
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
}
img  { display: block; max-width: 100%; height: auto; }
a    { color: inherit; text-decoration: none; }
ul   { list-style: none; }
button, input, textarea, select { font-family: var(--ff-body); font-size: inherit; }
button { cursor: pointer; border: none; background: none; }

/* ── LAYOUT ──────────────────────────────────────────────── */
.container { max-width: 1200px; margin: 0 auto; padding: 0 32px; }
@media (max-width: 640px) { .container { padding: 0 20px; } }

/* ── TYPOGRAPHY ──────────────────────────────────────────── */
.d1 {
  font-family: var(--ff-display);
  font-size: clamp(3.2rem, 6vw, 5.5rem);
  font-weight: 600;
  line-height: 1.05;
  letter-spacing: -.02em;
  color: var(--white);
}
.d2 {
  font-family: var(--ff-display);
  font-size: clamp(2.2rem, 4vw, 3.6rem);
  font-weight: 600;
  line-height: 1.1;
  letter-spacing: -.015em;
  color: var(--navy);
}
.d3 {
  font-family: var(--ff-display);
  font-size: clamp(1.5rem, 3vw, 2.4rem);
  font-weight: 600;
  line-height: 1.2;
  color: var(--navy);
}
.d1 em, .d2 em, .d3 em { color: var(--gold); font-style: italic; }
.overline {
  font-size: .68rem;
  font-weight: 600;
  letter-spacing: .2em;
  text-transform: uppercase;
  color: var(--gold);
  display: block;
  margin-bottom: 14px;
}
.lead { font-size: 1.05rem; color: rgba(255,255,255,.68); line-height: 1.85; max-width: 52ch; }
.lead-dark { font-size: 1rem; color: var(--text-mid); line-height: 1.85; }
.section-intro { max-width: 600px; margin: 0 auto 64px; text-align: center; }
.section-intro p { margin-top: 16px; font-size: .95rem; color: var(--text-mid); line-height: 1.85; }

/* ── BUTTONS ─────────────────────────────────────────────── */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 30px;
  border-radius: var(--r-sm);
  font-weight: 500;
  font-size: .92rem;
  letter-spacing: .01em;
  transition: all .22s ease;
  white-space: nowrap;
  cursor: pointer;
  border: none;
}
.btn-primary { background: var(--gold); color: var(--navy-deep); }
.btn-primary:hover { background: var(--gold-light); transform: translateY(-1px); box-shadow: 0 8px 24px rgba(200,169,110,.35); }
.btn-ghost { background: transparent; color: var(--white); border: 1px solid rgba(255,255,255,.35); }
.btn-ghost:hover { border-color: var(--gold); color: var(--gold); }
.btn-dark { background: var(--navy); color: var(--white); }
.btn-dark:hover { background: var(--navy-mid); transform: translateY(-1px); box-shadow: var(--shadow-md); }
.btn-outline-gold { background: transparent; color: var(--gold); border: 1px solid var(--border-gold); }
.btn-outline-gold:hover { background: var(--gold); color: var(--navy-deep); }
.btn svg { flex-shrink: 0; transition: transform .22s; }
.btn:hover svg { transform: translateX(3px); }
.btn-lg { padding: 17px 36px; font-size: .97rem; }
.btn-sm { padding: 10px 20px; font-size: .84rem; }

/* ── NAV ─────────────────────────────────────────────────── */
.nav {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 900;
  height: var(--nav-h);
  transition: background .3s, box-shadow .3s;
}
.nav.scrolled {
  background: rgba(19,15,46,.97);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  box-shadow: 0 1px 0 rgba(200,169,110,.12);
}
.nav-inner { display: flex; align-items: center; height: 100%; gap: 12px; padding: 0 4px; }
.nav-brand { display: flex; align-items: center; gap: 12px; flex-shrink: 0; margin-right: auto; }
.nav-brand-icon {
  width: 36px; height: 36px;
  background: var(--gold);
  border-radius: var(--r-sm);
  display: flex; align-items: center; justify-content: center;
}
.nav-brand-icon svg { width: 20px; height: 20px; }
.nav-brand-name { font-family: var(--ff-display); font-size: 1.15rem; font-weight: 600; color: var(--white); letter-spacing: .01em; }
.nav-logo { height: 40px; width: auto; display: block; }
@media (max-width: 480px) { .nav-logo { height: 34px; } }
.nav-links { display: flex; align-items: center; gap: 2px; }
.nav-link { padding: 9px 15px; color: rgba(255,255,255,.7); font-size: .9rem; font-weight: 400; border-radius: var(--r-sm); transition: color .2s, background .2s; letter-spacing: .01em; }
.nav-link:hover, .nav-link.active { color: var(--white); background: rgba(255,255,255,.08); }
.nav-actions { display: flex; align-items: center; gap: 10px; margin-left: 20px; flex-shrink: 0; }
.nav-actions .btn { padding: 9px 18px; font-size: .85rem; }
.burger {
  display: none;
  width: 36px; height: 36px;
  align-items: center; justify-content: center; flex-direction: column;
  gap: 5px;
  background: rgba(255,255,255,.1);
  border-radius: var(--r-sm);
  margin-left: 12px;
}
.burger span { display: block; width: 18px; height: 1.5px; background: var(--white); border-radius: 2px; transition: transform .25s, opacity .25s; }
.nav-drawer {
  display: none;
  position: fixed;
  top: var(--nav-h); left: 0; right: 0; bottom: 0;
  background: var(--navy-deep);
  overflow-y: auto;
  z-index: 800;
  padding: 24px 24px 48px;
  flex-direction: column;
}
.nav-drawer.open { display: flex; }
.nav-drawer .drawer-link { display: block; color: rgba(255,255,255,.78); font-size: 1.1rem; padding: 16px 0; border-bottom: 1px solid rgba(255,255,255,.06); transition: color .2s; }
.nav-drawer .drawer-link:hover { color: var(--gold); }
.nav-drawer .drawer-ctas { display: flex; flex-direction: column; gap: 12px; margin-top: 32px; }
.nav-drawer .drawer-ctas .btn { justify-content: center; }
@media (max-width: 900px) {
  .nav-links, .nav-actions { display: none; }
  .burger { display: flex; }
  body.nav-open { overflow: hidden; }
}

/* ── HERO ─────────────────────────────────────────────────── */
.hero {
  position: relative;
  min-height: 100vh;
  background: var(--navy-deep);
  display: flex;
  align-items: center;
  overflow: hidden;
  padding-top: var(--nav-h);
}
/* Ensure hero text glows stay above carousel */
.hero-glow, .hero-glow-2 { z-index: 2 !important; }
.hero::before { z-index: 2; }
.hero::before {
  content: '';
  position: absolute; inset: 0;
  background-image: linear-gradient(rgba(200,169,110,.04) 1px, transparent 1px), linear-gradient(90deg, rgba(200,169,110,.04) 1px, transparent 1px);
  background-size: 80px 80px;
  mask-image: radial-gradient(ellipse 80% 80% at 50% 50%, black 30%, transparent 80%);
  pointer-events: none;
}
.hero-glow { position: absolute; width: 600px; height: 600px; background: radial-gradient(circle, rgba(200,169,110,.1) 0%, transparent 70%); top: -100px; right: -100px; pointer-events: none; }
.hero-glow-2 { position: absolute; width: 400px; height: 400px; background: radial-gradient(circle, rgba(44,38,96,.8) 0%, transparent 70%); bottom: -50px; left: -50px; pointer-events: none; }
.hero-inner { position: relative; z-index: 1; display: grid; grid-template-columns: 1fr 1fr; gap: 80px; align-items: center; padding: 80px 0 100px; }
.hero-eyebrow { display: inline-flex; align-items: center; gap: 8px; font-size: .7rem; font-weight: 600; letter-spacing: .2em; text-transform: uppercase; color: var(--gold); margin-bottom: 20px; }
.hero-eyebrow::before { content: ''; display: block; width: 24px; height: 1px; background: var(--gold); }
.hero-title { margin-bottom: 24px; }
.hero-sub { margin-bottom: 40px; }
.hero-ctas { display: flex; gap: 14px; flex-wrap: wrap; margin-bottom: 48px; }
.hero-trust { display: flex; align-items: center; gap: 20px; flex-wrap: wrap; padding-top: 32px; border-top: 1px solid rgba(255,255,255,.07); }
.trust-item { display: flex; align-items: center; gap: 7px; font-size: .75rem; color: rgba(255,255,255,.42); }
.trust-item svg { color: var(--gold); flex-shrink: 0; }

/* ── TICKER CARD ─────────────────────────────────────────── */
.ticker-wrap { position: relative; }
.ticker-card {
  background: rgba(255,255,255,.98);
  border-radius: var(--r-xl);
  padding: 32px;
  box-shadow: var(--shadow-xl);
  transform: perspective(1000px) rotateY(-5deg) rotateX(2deg);
  transition: transform .5s ease;
  max-width: 400px;
  margin-left: auto;
}
.ticker-card:hover { transform: perspective(1000px) rotateY(-1deg) rotateX(0deg) scale(1.01); }
.tc-header { display: flex; align-items: center; justify-content: space-between; margin-bottom: 28px; }
.tc-greeting { font-size: .72rem; color: var(--text-light); margin-bottom: 2px; }
.tc-name { font-size: .95rem; font-weight: 600; color: var(--navy); }
.tc-avatar { width: 42px; height: 42px; border-radius: 50%; background: linear-gradient(135deg, var(--gold-dark), var(--gold-light)); display: flex; align-items: center; justify-content: center; font-family: var(--ff-display); font-size: 1.1rem; font-weight: 600; color: var(--navy-deep); }
.tc-bal-label { font-size: .65rem; font-weight: 600; letter-spacing: .16em; text-transform: uppercase; color: var(--text-light); margin-bottom: 6px; }
.tc-balance { font-family: var(--ff-display); font-size: 2.6rem; font-weight: 600; color: var(--navy); line-height: 1; margin-bottom: 10px; letter-spacing: -.02em; }
.tc-change { display: inline-flex; align-items: center; gap: 5px; background: rgba(34,197,94,.1); color: #16a34a; border: 1px solid rgba(34,197,94,.2); border-radius: 999px; padding: 3px 10px; font-size: .72rem; font-weight: 600; margin-bottom: 24px; }
.tc-row { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; margin-bottom: 20px; }
.tc-mini { background: var(--cream); border-radius: var(--r-md); padding: 14px; }
.tc-mini-label { font-size: .62rem; color: var(--text-light); text-transform: uppercase; letter-spacing: .1em; margin-bottom: 4px; }
.tc-mini-val { font-family: var(--ff-display); font-size: 1.1rem; font-weight: 600; }
.tc-mini-val.green { color: #16a34a; }
.tc-mini-val.amber { color: #d97706; }
.tc-txns { border-top: 1px solid var(--border); padding-top: 16px; }
.tc-txn { display: flex; align-items: center; gap: 10px; padding: 8px 0; }
.tc-txn + .tc-txn { border-top: 1px solid rgba(31,27,68,.04); }
.tc-txn-icon { width: 34px; height: 34px; border-radius: 9px; display: flex; align-items: center; justify-content: center; font-size: .68rem; font-weight: 700; flex-shrink: 0; }
.tc-txn-info { flex: 1; min-width: 0; }
.tc-txn-name { font-size: .8rem; font-weight: 600; color: var(--navy); }
.tc-txn-date { font-size: .67rem; color: var(--text-light); }
.tc-txn-amt { font-size: .82rem; font-weight: 600; flex-shrink: 0; }
.float-badge { position: absolute; background: var(--white); border: 1px solid var(--border); border-radius: var(--r-md); padding: 10px 16px; box-shadow: var(--shadow-md); z-index: 2; }
.float-badge-1 { top: -20px; left: -70px; }
.float-badge-2 { bottom: 30px; right: -60px; }
.fb-label { font-size: .6rem; color: var(--text-light); text-transform: uppercase; letter-spacing: .1em; margin-bottom: 3px; }
.fb-val { font-family: var(--ff-display); font-size: 1.05rem; font-weight: 600; color: var(--navy); }
.fb-sub { font-size: .65rem; margin-top: 2px; }

/* ── STRIP ───────────────────────────────────────────────── */
.strip { background: var(--white); border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); padding: 20px 0; }
.strip-inner { display: flex; align-items: center; justify-content: center; flex-wrap: wrap; gap: 14px 44px; }
.strip-item { display: flex; align-items: center; gap: 8px; font-size: .76rem; font-weight: 500; color: var(--text-mid); letter-spacing: .04em; text-transform: uppercase; }
.strip-item svg { color: var(--gold); }

/* ── STATS BAND ──────────────────────────────────────────── */
.stats-band { background: var(--navy); padding: 72px 0; }
.stats-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1px; background: rgba(255,255,255,.07); }
.stat-cell { background: var(--navy); padding: 44px 28px; text-align: center; transition: background .25s; }
.stat-cell:hover { background: var(--navy-mid); }
.stat-num { font-family: var(--ff-display); font-size: clamp(2.2rem, 3.5vw, 3rem); font-weight: 600; color: var(--gold); display: block; line-height: 1; margin-bottom: 10px; letter-spacing: -.02em; }
.stat-lbl { font-size: .72rem; font-weight: 500; color: rgba(255,255,255,.42); text-transform: uppercase; letter-spacing: .12em; }

/* ── SECTIONS ────────────────────────────────────────────── */
.section    { padding: 96px 0; }
.section-sm { padding: 64px 0; }
.section-lg { padding: 120px 0; }
.bg-cream   { background: var(--cream); }
.bg-navy    { background: var(--navy-deep); }
.bg-white   { background: var(--white); }

/* ── FEATURE GRID ────────────────────────────────────────── */
.feat-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; margin-top: 56px; }
.feat-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  padding: 32px;
  transition: box-shadow .25s, transform .25s, border-color .25s;
  position: relative;
  overflow: hidden;
}
.feat-card::after { content: ''; position: absolute; bottom: 0; left: 0; right: 0; height: 2px; background: linear-gradient(90deg, var(--gold-dark), var(--gold-light)); transform: scaleX(0); transition: transform .3s ease; transform-origin: left; }
.feat-card:hover { box-shadow: var(--shadow-md); transform: translateY(-4px); border-color: var(--border-gold); }
.feat-card:hover::after { transform: scaleX(1); }
.feat-icon { width: 52px; height: 52px; background: rgba(200,169,110,.1); border-radius: var(--r-md); display: flex; align-items: center; justify-content: center; margin-bottom: 20px; color: var(--gold-dark); }
.feat-card h3 { font-family: var(--ff-display); font-size: 1.15rem; font-weight: 600; color: var(--navy); margin-bottom: 10px; }
.feat-card p { font-size: .9rem; color: var(--text-mid); line-height: 1.75; }

/* ── SPLIT ───────────────────────────────────────────────── */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 72px; align-items: center; }
.split.reverse { direction: rtl; }
.split.reverse > * { direction: ltr; }
.split-img { position: relative; }
.split-img img { width: 100%; border-radius: var(--r-xl); display: block; box-shadow: var(--shadow-lg); }
.split-img-accent { position: absolute; inset: -12px -12px 12px 12px; border: 1px solid var(--border-gold); border-radius: var(--r-xl); pointer-events: none; z-index: -1; }
.split-body h2 { margin-bottom: 20px; }
.split-body p { color: var(--text-mid); font-size: .97rem; line-height: 1.85; margin-bottom: 16px; }
.feat-list { display: flex; flex-direction: column; gap: 14px; margin: 24px 0; }
.feat-list-item { display: flex; gap: 14px; align-items: flex-start; }
.feat-list-dot { width: 22px; height: 22px; border-radius: 50%; background: rgba(200,169,110,.12); border: 1px solid var(--border-gold); display: flex; align-items: center; justify-content: center; flex-shrink: 0; margin-top: 2px; }
.feat-list-dot svg { color: var(--gold-dark); }
.feat-list-text strong { display: block; font-size: .9rem; font-weight: 600; color: var(--navy); margin-bottom: 2px; }
.feat-list-text span { font-size: .85rem; color: var(--text-mid); }

/* ── TESTIMONIALS ────────────────────────────────────────── */
.testi-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; margin-top: 56px; }
.testi-card { background: var(--white); border: 1px solid var(--border); border-radius: var(--r-lg); padding: 32px; display: flex; flex-direction: column; transition: box-shadow .25s, transform .25s; }
.testi-card:hover { box-shadow: var(--shadow-md); transform: translateY(-3px); }
.testi-stars { color: var(--gold); font-size: .9rem; letter-spacing: .08em; margin-bottom: 16px; }
.testi-quote { font-family: var(--ff-display); font-size: 1.08rem; font-style: italic; color: var(--text); line-height: 1.75; flex: 1; }
.testi-author { display: flex; align-items: center; gap: 12px; margin-top: 24px; padding-top: 20px; border-top: 1px solid var(--border); }
.testi-avatar { width: 46px; height: 46px; border-radius: 50%; object-fit: cover; border: 2px solid var(--border-gold); }
.testi-name { font-size: .88rem; font-weight: 600; color: var(--navy); }
.testi-role { font-size: .75rem; color: var(--text-light); margin-top: 1px; }

/* ── CTA BAND ────────────────────────────────────────────── */
.cta-band { background: var(--navy-deep); padding: 100px 0; text-align: center; position: relative; overflow: hidden; }
.cta-band::before { content: ''; position: absolute; inset: 0; background: radial-gradient(ellipse 60% 60% at 50% 100%, rgba(200,169,110,.08) 0%, transparent 70%); pointer-events: none; }
.cta-band-inner { position: relative; z-index: 1; }
.cta-band h2 { color: var(--white); margin-bottom: 16px; }
.cta-band p { color: rgba(255,255,255,.55); max-width: 50ch; margin: 0 auto 40px; font-size: .97rem; line-height: 1.85; }
.cta-btns { display: flex; justify-content: center; gap: 14px; flex-wrap: wrap; margin-bottom: 36px; }
.cta-reassure { display: flex; justify-content: center; align-items: center; gap: 28px; flex-wrap: wrap; }
.cta-reassure span { display: flex; align-items: center; gap: 6px; font-size: .72rem; color: rgba(255,255,255,.3); font-weight: 500; letter-spacing: .06em; text-transform: uppercase; }
.cta-reassure svg { color: var(--gold); }

/* ── PAGE BANNER ─────────────────────────────────────────── */
.page-banner { background: var(--navy-deep); padding: calc(var(--nav-h) + 56px) 0 72px; position: relative; overflow: hidden; }
.page-banner::before { content: ''; position: absolute; inset: 0; background-image: linear-gradient(rgba(200,169,110,.04) 1px, transparent 1px), linear-gradient(90deg, rgba(200,169,110,.04) 1px, transparent 1px); background-size: 60px 60px; mask-image: radial-gradient(ellipse 90% 100% at 50% 50%, black 20%, transparent 80%); }
.page-banner-inner { position: relative; z-index: 1; }
.page-banner h1 { color: var(--white); margin-bottom: 14px; }
.page-banner p { color: rgba(255,255,255,.55); font-size: .97rem; max-width: 54ch; }
.breadcrumb { display: flex; align-items: center; gap: 8px; font-size: .75rem; color: rgba(255,255,255,.32); margin-bottom: 16px; }
.breadcrumb a:hover { color: var(--gold); }
.breadcrumb svg { color: rgba(255,255,255,.22); }

/* ── PRODUCT CARDS ───────────────────────────────────────── */
.product-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 24px; margin-top: 48px; }
.product-card { background: var(--white); border: 1px solid var(--border); border-radius: var(--r-lg); padding: 36px; display: flex; gap: 22px; transition: box-shadow .25s, border-color .25s, transform .25s; }
.product-card:hover { box-shadow: var(--shadow-md); border-color: var(--border-gold); transform: translateY(-3px); }
.product-card-icon { width: 56px; height: 56px; border-radius: var(--r-md); background: rgba(200,169,110,.08); display: flex; align-items: center; justify-content: center; color: var(--gold-dark); flex-shrink: 0; }
.product-card-body h3 { font-family: var(--ff-display); font-size: 1.15rem; font-weight: 600; color: var(--navy); margin-bottom: 8px; }
.product-card-body p { font-size: .88rem; color: var(--text-mid); line-height: 1.75; }
.product-card-body .tag { display: inline-block; margin-top: 12px; font-size: .68rem; font-weight: 600; letter-spacing: .1em; text-transform: uppercase; color: var(--gold-dark); background: rgba(200,169,110,.1); border: 1px solid var(--border-gold); padding: 3px 10px; border-radius: 999px; }

/* ── FAQ ─────────────────────────────────────────────────── */
.faq-list { max-width: 760px; margin: 48px auto 0; }
.faq-item { border-bottom: 1px solid var(--border); }
.faq-trigger { width: 100%; display: flex; align-items: center; justify-content: space-between; gap: 16px; padding: 22px 0; text-align: left; font-size: .97rem; font-weight: 500; color: var(--navy); transition: color .2s; }
.faq-trigger:hover { color: var(--gold-dark); }
.faq-trigger svg { flex-shrink: 0; color: var(--gold); transition: transform .3s ease; }
.faq-trigger[aria-expanded="true"] svg { transform: rotate(45deg); }
.faq-body { font-size: .9rem; color: var(--text-mid); line-height: 1.85; overflow: hidden; max-height: 0; transition: max-height .35s ease, padding .35s ease; padding-bottom: 0; }
.faq-body.open { max-height: 300px; padding-bottom: 22px; }

/* ── CONTACT ─────────────────────────────────────────────── */
.contact-grid { display: grid; grid-template-columns: 1fr 1.6fr; gap: 56px; align-items: start; }
.contact-info { background: var(--navy); border-radius: var(--r-xl); padding: 48px 40px; }
.contact-info h3 { font-family: var(--ff-display); font-size: 1.5rem; color: var(--white); margin-bottom: 8px; }
.contact-subtitle { color: rgba(255,255,255,.48); font-size: .88rem; margin-bottom: 36px; line-height: 1.7; }
.contact-detail { margin-bottom: 28px; }
.contact-detail-label { font-size: .66rem; font-weight: 600; letter-spacing: .16em; text-transform: uppercase; color: var(--gold); margin-bottom: 5px; }
.contact-detail-val { font-size: .95rem; color: rgba(255,255,255,.82); }
.contact-detail-val a { color: rgba(255,255,255,.82); transition: color .2s; }
.contact-detail-val a:hover { color: var(--gold); }
.contact-hours { margin-top: 36px; padding-top: 28px; border-top: 1px solid rgba(255,255,255,.08); font-size: .85rem; color: rgba(255,255,255,.42); line-height: 2.1; }
.contact-form-wrap { background: var(--white); border: 1px solid var(--border); border-radius: var(--r-xl); padding: 48px 44px; box-shadow: var(--shadow-sm); }
.contact-form-wrap h3 { font-family: var(--ff-display); font-size: 1.5rem; color: var(--navy); margin-bottom: 28px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
.form-group { margin-bottom: 22px; }
.form-group label { display: block; font-size: .76rem; font-weight: 600; color: var(--text-mid); letter-spacing: .08em; text-transform: uppercase; margin-bottom: 7px; }
.form-group input, .form-group textarea, .form-group select { width: 100%; padding: 13px 16px; border: 1.5px solid var(--border); border-radius: var(--r-sm); font-size: .92rem; color: var(--text); background: var(--white); outline: none; transition: border-color .2s, box-shadow .2s; }
.form-group input:focus, .form-group textarea:focus, .form-group select:focus { border-color: var(--gold-dark); box-shadow: 0 0 0 3px rgba(200,169,110,.12); }
.form-group textarea { resize: vertical; min-height: 120px; }
.form-success { background: rgba(34,197,94,.08); border: 1px solid rgba(34,197,94,.2); color: #15803d; border-radius: var(--r-sm); padding: 14px 18px; font-size: .88rem; margin-bottom: 24px; display: none; }
.form-success.show { display: block; }

/* ── LOGIN ───────────────────────────────────────────────── */
.login-wrap { min-height: 100vh; display: grid; grid-template-columns: 1fr 1fr; }
.login-left { background: var(--navy-deep); padding: 60px 64px; display: flex; flex-direction: column; justify-content: center; position: relative; overflow: hidden; }
.login-left::before { content: ''; position: absolute; inset: 0; background-image: linear-gradient(rgba(200,169,110,.05) 1px, transparent 1px), linear-gradient(90deg, rgba(200,169,110,.05) 1px, transparent 1px); background-size: 60px 60px; }
.login-left-glow { position: absolute; width: 400px; height: 400px; background: radial-gradient(circle, rgba(200,169,110,.1) 0%, transparent 70%); bottom: -100px; right: -100px; pointer-events: none; }
.login-left-content { position: relative; z-index: 1; }
.login-brand { display: flex; align-items: center; gap: 12px; margin-bottom: 72px; }
.login-brand-icon { width: 40px; height: 40px; background: var(--gold); border-radius: var(--r-sm); display: flex; align-items: center; justify-content: center; }
.login-brand-name { font-family: var(--ff-display); font-size: 1.2rem; font-weight: 600; color: var(--white); }
.login-hero-title { color: var(--white); margin-bottom: 18px; }
.login-hero-sub { color: rgba(255,255,255,.52); font-size: .92rem; line-height: 1.85; margin-bottom: 48px; max-width: 38ch; }
.login-trust-list { display: flex; flex-direction: column; gap: 12px; }
.login-trust-item { display: flex; align-items: center; gap: 10px; font-size: .8rem; color: rgba(255,255,255,.42); }
.login-trust-item::before { content: "✓"; color: var(--gold); font-weight: 700; }
.login-right { background: var(--cream); padding: 60px 64px; display: flex; flex-direction: column; justify-content: center; }
.login-form-card { background: var(--white); border-radius: var(--r-xl); padding: 48px 44px; box-shadow: var(--shadow-md); max-width: 440px; width: 100%; margin: 0 auto; }
.login-form-card h2 { font-family: var(--ff-display); font-size: 1.8rem; color: var(--navy); margin-bottom: 6px; }
.login-form-card .sub { font-size: .88rem; color: var(--text-light); margin-bottom: 36px; }
.login-divider { display: flex; align-items: center; gap: 12px; margin: 24px 0; color: var(--text-light); font-size: .8rem; }
.login-divider::before, .login-divider::after { content: ''; flex: 1; height: 1px; background: var(--border); }
.login-meta { display: flex; justify-content: space-between; align-items: center; margin-bottom: 28px; }
.forgot-link { font-size: .82rem; color: var(--gold-dark); font-weight: 500; }
.forgot-link:hover { text-decoration: underline; }
.login-footer-note { font-size: .74rem; color: var(--text-light); text-align: center; margin-top: 24px; line-height: 1.7; }
.login-footer-note a { color: var(--text-mid); }
.login-footer-note a:hover { color: var(--gold-dark); }

/* ── FOOTER ──────────────────────────────────────────────── */
.footer { background: var(--navy-deep); }
.footer-main { display: grid; grid-template-columns: 1.8fr repeat(4, 1fr); gap: 48px; padding: 72px 0 56px; }
.footer-brand-icon { width: 38px; height: 38px; background: var(--gold); border-radius: var(--r-sm); display: flex; align-items: center; justify-content: center; margin-bottom: 14px; }
.footer-brand-name { font-family: var(--ff-display); font-size: 1.1rem; font-weight: 600; color: var(--white); margin-bottom: 12px; }
.footer-tagline { font-size: .85rem; color: rgba(255,255,255,.35); line-height: 1.75; margin-bottom: 16px; font-style: italic; }
.footer-fdic { font-size: .67rem; color: rgba(255,255,255,.2); line-height: 1.75; padding-top: 14px; border-top: 1px solid rgba(255,255,255,.06); }
.footer-col-title { font-size: .67rem; font-weight: 600; letter-spacing: .16em; text-transform: uppercase; color: var(--gold); margin-bottom: 18px; }
.footer-col ul { display: flex; flex-direction: column; gap: 10px; }
.footer-col a { font-size: .84rem; color: rgba(255,255,255,.35); transition: color .2s; }
.footer-col a:hover { color: var(--white); }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.06); padding: 22px 0; }
.footer-bottom-inner { display: flex; align-items: center; justify-content: space-between; gap: 12px; flex-wrap: wrap; }
.footer-copy { font-size: .74rem; color: rgba(255,255,255,.22); }
.footer-legal { display: flex; gap: 20px; }
.footer-legal a { font-size: .74rem; color: rgba(255,255,255,.22); transition: color .2s; }
.footer-legal a:hover { color: rgba(255,255,255,.5); }
.socials { display: flex; gap: 10px; }
.socials a { width: 34px; height: 34px; border: 1px solid rgba(255,255,255,.1); border-radius: var(--r-sm); display: flex; align-items: center; justify-content: center; color: rgba(255,255,255,.28); transition: border-color .2s, color .2s; }
.socials a:hover { border-color: var(--gold); color: var(--gold); }

/* ── SCROLL REVEAL ───────────────────────────────────────── */
[data-reveal] { opacity: 0; transform: translateY(24px); transition: opacity .65s cubic-bezier(.4,0,.2,1), transform .65s cubic-bezier(.4,0,.2,1); }
[data-reveal].revealed { opacity: 1; transform: none; }
[data-reveal="left"]  { transform: translateX(-24px); }
[data-reveal="right"] { transform: translateX(24px); }
[data-reveal="left"].revealed, [data-reveal="right"].revealed { transform: none; }


/* ── HERO CAROUSEL ───────────────────────────────────────── */
.hero-carousel {
  position: absolute;
  inset: 0;
  z-index: 0;
  overflow: hidden;
}
.hero-slide {
  position: absolute;
  inset: 0;
  background-size: cover;
  background-position: center;
  opacity: 0;
  transition: opacity 1.4s cubic-bezier(.4,0,.2,1);
}
.hero-slide.active { opacity: 1; }
.hero-carousel-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(
    135deg,
    rgba(19,15,46,.88) 0%,
    rgba(19,15,46,.72) 50%,
    rgba(31,27,68,.55) 100%
  );
  z-index: 1;
}
.hero-carousel-controls {
  position: absolute;
  bottom: 32px;
  left: 50%;
  transform: translateX(-50%);
  display: flex;
  align-items: center;
  gap: 20px;
  z-index: 10;
}
.hero-dots {
  display: flex;
  gap: 8px;
}
.hero-dot {
  width: 6px; height: 6px;
  border-radius: 50%;
  background: rgba(255,255,255,.3);
  border: none;
  cursor: pointer;
  transition: background .3s, width .3s;
  padding: 0;
}
.hero-dot.active {
  background: var(--gold);
  width: 22px;
  border-radius: 3px;
}
.hero-arrow {
  width: 40px; height: 40px;
  border-radius: 50%;
  background: rgba(255,255,255,.12);
  border: 1px solid rgba(255,255,255,.2);
  display: flex; align-items: center; justify-content: center;
  color: var(--white);
  cursor: pointer;
  transition: background .2s, border-color .2s;
  flex-shrink: 0;
}
.hero-arrow:hover { background: rgba(255,255,255,.22); border-color: var(--gold); }
.hero-arrow svg { pointer-events: none; }
@media (max-width: 640px) {
  .hero-arrow { display: none; }
  .hero-carousel-controls { bottom: 20px; }
}

/* ── BACK TO TOP ─────────────────────────────────────────── */
.btt {
  position: fixed;
  bottom: 32px;
  right: 32px;
  width: 48px; height: 48px;
  background: var(--navy);
  border: 1px solid var(--border-gold);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  color: var(--gold);
  cursor: pointer;
  z-index: 800;
  opacity: 0;
  transform: translateY(12px);
  transition: opacity .3s, transform .3s, background .2s, box-shadow .2s;
  pointer-events: none;
  box-shadow: var(--shadow-md);
}
.btt.visible {
  opacity: 1;
  transform: translateY(0);
  pointer-events: auto;
}
.btt:hover {
  background: var(--navy-mid);
  box-shadow: 0 8px 24px rgba(31,27,68,.3);
}
@media (max-width: 640px) {
  .btt { bottom: 20px; right: 20px; width: 42px; height: 42px; }
}

/* ── RESPONSIVE ──────────────────────────────────────────── */
@media (max-width: 1100px) {
  .hero-inner { grid-template-columns: 1fr; text-align: center; gap: 52px; }
  .hero-ctas { justify-content: center; }
  .hero-trust { justify-content: center; }
  .lead { margin: 0 auto; }
  .ticker-card { margin: 0 auto; transform: none; max-width: 380px; }
  .float-badge { display: none; }
  .footer-main { grid-template-columns: 1fr 1fr; gap: 32px; }
  .footer-brand { grid-column: 1 / -1; }
}
@media (max-width: 900px) {
  .feat-grid { grid-template-columns: repeat(2, 1fr); }
  .split { grid-template-columns: 1fr; gap: 40px; }
  .split.reverse { direction: ltr; }
  .testi-grid { grid-template-columns: repeat(2, 1fr); }
  .product-grid { grid-template-columns: 1fr; }
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .contact-grid { grid-template-columns: 1fr; gap: 32px; }
  .login-wrap { grid-template-columns: 1fr; }
  .login-left { display: none; }
  .login-right { padding: 40px 24px; background: var(--navy-deep); min-height: 100vh; }
  .login-form-card { max-width: 100%; }
}
@media (max-width: 640px) {
  .feat-grid { grid-template-columns: 1fr; }
  .testi-grid { grid-template-columns: 1fr; }
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .form-row { grid-template-columns: 1fr; }
  .footer-main { grid-template-columns: 1fr; }
  .cta-reassure { gap: 14px; }
  .section { padding: 64px 0; }
  .hero-inner { padding: 48px 0 64px; }
  .contact-form-wrap { padding: 32px 24px; }
}
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { transition-duration: .01ms !important; animation-duration: .01ms !important; }
}