:root{
    --white:#ffffff;
    --charcoal:#111111;
    --navy:#0F172A;
    --navy-700:#1B2638;
    --gray:#F5F5F5;
    --line:#E8E8EC;
    --ink:#101828;        /* headings */
    --body:#475569;       /* body text (slate-600) */
    --muted:#64748B;
    --gold:#C9A227;
    --gold-soft:#E4CB7A;
    --gold-tint:#FBF6E6;
    --shadow-sm:0 1px 2px rgba(16,24,40,.04), 0 1px 3px rgba(16,24,40,.06);
    --shadow-md:0 10px 30px -12px rgba(16,24,40,.18), 0 4px 12px -6px rgba(16,24,40,.08);
    --shadow-lg:0 30px 60px -22px rgba(15,23,42,.28), 0 12px 24px -12px rgba(15,23,42,.12);
    --radius:16px;
    --container:1200px;
    --ease:cubic-bezier(.22,.61,.36,1);
  }

  *{box-sizing:border-box;margin:0;padding:0}
  html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
  body{
    font-family:'Inter',system-ui,-apple-system,'Segoe UI',sans-serif;
    background:var(--white);
    color:var(--body);
    font-size:16px;
    line-height:1.6;
    -webkit-font-smoothing:antialiased;
    text-rendering:optimizeLegibility;
    overflow-x:hidden;
  }
  h1,h2,h3,h4{font-family:'Manrope',sans-serif;color:var(--ink);line-height:1.12;letter-spacing:-.02em;font-weight:700}
  a{color:inherit;text-decoration:none}
  img,svg{display:block;max-width:100%}
  ::selection{background:var(--gold-tint);color:var(--navy)}

  .container{max-width:var(--container);margin:0 auto;padding:0 24px;width:100%}
  .eyebrow{
    display:inline-flex;align-items:center;gap:8px;
    font-family:'Inter',sans-serif;font-size:12.5px;font-weight:600;
    letter-spacing:.14em;text-transform:uppercase;color:var(--gold);
  }
  .eyebrow::before{content:"";width:22px;height:1.5px;background:var(--gold);display:inline-block}
  .section{padding:104px 0}
  .section-head{max-width:680px;margin:0 auto 56px;text-align:center}
  .section-head h2{font-size:clamp(28px,3.4vw,42px);margin:16px 0 14px;font-weight:800}
  .section-head p{font-size:17px;color:var(--muted)}

  /* Buttons */
  .btn{
    display:inline-flex;align-items:center;justify-content:center;gap:9px;
    font-family:'Inter',sans-serif;font-weight:600;font-size:15px;
    padding:14px 26px;border-radius:10px;cursor:pointer;border:1px solid transparent;
    transition:background .22s var(--ease),color .22s var(--ease),border-color .22s var(--ease),box-shadow .22s var(--ease),transform .22s var(--ease);
    white-space:nowrap;
  }
  .btn-primary{background:var(--navy);color:#fff;box-shadow:0 8px 20px -10px rgba(15,23,42,.55)}
  .btn-primary:hover{background:#16223a;box-shadow:0 14px 28px -12px rgba(15,23,42,.6);transform:translateY(-2px)}
  .btn-gold{background:var(--gold);color:var(--navy);box-shadow:0 8px 20px -10px rgba(201,162,39,.6)}
  .btn-gold:hover{background:#b8912086;background:#bd9620;transform:translateY(-2px);box-shadow:0 14px 28px -12px rgba(201,162,39,.7)}
  .btn-ghost{background:#fff;color:var(--navy);border-color:var(--line)}
  .btn-ghost:hover{border-color:var(--navy);background:#fff;transform:translateY(-2px);box-shadow:var(--shadow-sm)}
  .btn svg{width:17px;height:17px}

  /* ============ HEADER ============ */
  header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.85);backdrop-filter:blur(12px);-webkit-backdrop-filter:blur(12px);border-bottom:1px solid transparent;transition:border-color .3s,box-shadow .3s,background .3s}
  header.scrolled{border-bottom:1px solid var(--line);box-shadow:0 6px 24px -18px rgba(16,24,40,.4)}
  .nav{display:flex;align-items:center;justify-content:space-between;height:74px}
  .brand{display:flex;align-items:center;gap:12px;cursor:pointer}
  .brand-mark{width:40px;height:40px;border-radius:11px;background:var(--navy);display:grid;place-items:center;box-shadow:inset 0 0 0 1px rgba(255,255,255,.06)}
  .brand-mark svg{width:22px;height:22px}
  .brand-name{font-family:'Manrope',sans-serif;font-weight:800;font-size:18px;color:var(--navy);letter-spacing:-.02em;line-height:1.05}
  .brand-name span{display:block;font-family:'Inter',sans-serif;font-weight:500;font-size:10.5px;letter-spacing:.16em;text-transform:uppercase;color:var(--gold)}
  .nav-menu{display:flex;align-items:center;gap:6px;list-style:none}
  .nav-menu a{font-size:14.5px;font-weight:500;color:#334155;padding:9px 14px;border-radius:8px;position:relative;transition:color .2s}
  .nav-menu a::after{content:"";position:absolute;left:14px;right:14px;bottom:4px;height:1.5px;background:var(--gold);transform:scaleX(0);transform-origin:left;transition:transform .25s var(--ease)}
  .nav-menu a:hover{color:var(--navy)}
  .nav-menu a:hover::after{transform:scaleX(1)}
  .nav-cta{display:flex;align-items:center;gap:14px}
  .nav-toggle{display:none;background:none;border:1px solid var(--line);border-radius:9px;width:42px;height:42px;cursor:pointer;color:var(--navy)}
  .nav-toggle svg{width:22px;height:22px;margin:auto}

  /* ============ HERO ============ */
  .hero{position:relative;padding:72px 0 96px;overflow:hidden}
  .hero::before{content:"";position:absolute;inset:0;background:
     radial-gradient(680px 420px at 88% 8%, rgba(201,162,39,.07), transparent 60%),
     radial-gradient(560px 500px at -5% 110%, rgba(15,23,42,.05), transparent 60%);
     z-index:0;pointer-events:none}
  .hero .container{position:relative;z-index:1;display:grid;grid-template-columns:1.05fr .95fr;gap:56px;align-items:center}
  .hero-badge{display:inline-flex;align-items:center;gap:9px;background:#fff;border:1px solid var(--line);padding:7px 14px 7px 8px;border-radius:100px;font-size:13px;font-weight:500;color:#334155;box-shadow:var(--shadow-sm);margin-bottom:26px}
  .hero-badge b{display:inline-flex;align-items:center;gap:6px;background:var(--gold-tint);color:#8a6d12;font-weight:600;padding:3px 10px;border-radius:100px;font-size:12px}
  .hero h1{font-size:clamp(36px,5vw,60px);font-weight:800;letter-spacing:-.03em;color:var(--ink)}
  .hero h1 .accent{color:var(--navy);position:relative;white-space:nowrap}
  .hero h1 .accent::after{content:"";position:absolute;left:0;right:0;bottom:6px;height:11px;background:linear-gradient(90deg,var(--gold-soft),rgba(228,203,122,.25));z-index:-1;border-radius:2px}
  .hero p.lead{font-size:18px;color:var(--body);margin:24px 0 34px;max-width:540px}
  .hero-actions{display:flex;gap:14px;flex-wrap:wrap}
  .hero-trust{display:flex;align-items:center;gap:22px;margin-top:40px;padding-top:28px;border-top:1px solid var(--line)}
  .hero-trust .avatars{display:flex}
  .hero-trust .avatars span{width:38px;height:38px;border-radius:50%;border:2px solid #fff;background:var(--navy);color:#fff;display:grid;place-items:center;font-size:12px;font-weight:600;margin-left:-10px;box-shadow:var(--shadow-sm)}
  .hero-trust .avatars span:first-child{margin-left:0}
  .hero-trust .stars{color:var(--gold);font-size:14px;letter-spacing:2px}
  .hero-trust small{display:block;color:var(--muted);font-size:13px}
  .hero-trust strong{font-size:14px;color:var(--ink);font-weight:600}

  /* Hero visual */
  .hero-visual{position:relative;height:480px}
  .glass{background:rgba(255,255,255,.72);backdrop-filter:blur(14px);-webkit-backdrop-filter:blur(14px);border:1px solid rgba(255,255,255,.9);box-shadow:var(--shadow-lg)}
  .hp{position:absolute;will-change:transform;transition:transform .45s var(--ease)}
  .p-main{top:40px;left:24px;width:330px;z-index:2}
  .p-shield{top:-6px;right:8px;width:198px;z-index:3}
  .p-doc{bottom:8px;right:0;width:236px;z-index:3}
  .p-stat{bottom:118px;left:0;z-index:4}
  .hv-main{width:100%;border-radius:20px;padding:24px}
  .hv-main .row{display:flex;align-items:center;justify-content:space-between;margin-bottom:18px}
  .hv-main .lbl{font-size:12.5px;color:var(--muted);font-weight:500}
  .hv-main .amt{font-family:'Manrope',sans-serif;font-size:30px;font-weight:800;color:var(--navy);letter-spacing:-.02em}
  .hv-main .pill{font-size:12px;font-weight:600;color:#1a7a4a;background:#e7f6ee;padding:5px 10px;border-radius:8px}
  .hv-chart{height:88px;width:100%}
  .hv-card{border-radius:16px;padding:16px 18px}
  .hv-shield{width:100%;display:flex;align-items:center;gap:13px}
  .hv-shield .ic{width:44px;height:44px;border-radius:12px;background:var(--navy);display:grid;place-items:center;flex-shrink:0}
  .hv-shield .ic svg{width:22px;height:22px}
  .hv-shield .t{font-family:'Manrope';font-weight:700;font-size:14px;color:var(--ink)}
  .hv-shield .s{font-size:12px;color:var(--muted)}
  .hv-doc{width:100%}
  .hv-doc .top{display:flex;align-items:center;gap:11px;margin-bottom:13px}
  .hv-doc .top .ic{width:38px;height:38px;border-radius:10px;background:var(--gold-tint);display:grid;place-items:center}
  .hv-doc .top .ic svg{width:20px;height:20px;color:var(--gold)}
  .hv-doc .top b{font-family:'Manrope';font-size:14px;color:var(--ink);font-weight:700}
  .hv-doc .top small{display:block;color:var(--muted);font-size:11.5px}
  .hv-doc .bar{height:7px;border-radius:6px;background:var(--gray);margin-bottom:8px;overflow:hidden}
  .hv-doc .bar i{display:block;height:100%;border-radius:6px;background:linear-gradient(90deg,var(--navy),var(--navy-700))}
  .hv-stat{display:flex;align-items:center;gap:11px;padding:13px 17px;border-radius:14px}
  .hv-stat .ic{width:36px;height:36px;border-radius:10px;background:var(--gold);display:grid;place-items:center}
  .hv-stat .ic svg{width:19px;height:19px;color:var(--navy)}
  .hv-stat b{display:block;font-family:'Manrope';font-size:18px;font-weight:800;color:var(--navy)}
  .hv-stat small{font-size:11.5px;color:var(--muted)}
  .float{animation:float 7s ease-in-out infinite}
  .float.d1{animation-delay:-2s}
  .float.d2{animation-delay:-4s}
  .float.d3{animation-delay:-1s}
  @keyframes float{0%,100%{transform:translateY(0)}50%{transform:translateY(-14px)}}

  /* ============ TRUST / STATS ============ */
  .stats{border-top:1px solid var(--line);border-bottom:1px solid var(--line);background:linear-gradient(180deg,#fff, #fcfcfd)}
  .stats .grid{display:grid;grid-template-columns:repeat(4,1fr);gap:0}
  .stat{padding:48px 30px;text-align:center;border-right:1px solid var(--line)}
  .stat:last-child{border-right:0}
  .stat .num{font-family:'Manrope';font-size:clamp(34px,4vw,46px);font-weight:800;color:var(--navy);letter-spacing:-.03em;line-height:1}
  .stat .num .suf{color:var(--gold)}
  .stat .cap{margin-top:10px;font-size:14px;color:var(--muted);font-weight:500}

  /* ============ SERVICES ============ */
  .svc-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:22px}
  .svc{position:relative;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:30px 26px;cursor:pointer;transition:transform .35s var(--ease),box-shadow .35s var(--ease),border-color .35s var(--ease);overflow:hidden}
  .svc::after{content:"";position:absolute;left:0;top:0;height:3px;width:100%;background:linear-gradient(90deg,var(--gold),var(--gold-soft));transform:scaleX(0);transform-origin:left;transition:transform .4s var(--ease)}
  .svc:hover{transform:translateY(-8px);box-shadow:var(--shadow-lg);border-color:transparent}
  .svc:hover::after{transform:scaleX(1)}
  .svc .ic{width:54px;height:54px;border-radius:13px;background:var(--gray);display:grid;place-items:center;margin-bottom:20px;transition:background .35s var(--ease)}
  .svc .ic svg{width:26px;height:26px;color:var(--navy);transition:color .35s var(--ease)}
  .svc:hover .ic{background:var(--navy)}
  .svc:hover .ic svg{color:var(--gold-soft)}
  .svc h3{font-size:17px;margin-bottom:9px;font-weight:700}
  .svc p{font-size:14px;color:var(--muted);line-height:1.6}
  .svc .more{display:inline-flex;align-items:center;gap:6px;margin-top:16px;font-size:13.5px;font-weight:600;color:var(--navy);opacity:0;transform:translateX(-6px);transition:opacity .35s,transform .35s}
  .svc:hover .more{opacity:1;transform:translateX(0)}
  .svc .more svg{width:15px;height:15px}

  /* ============ HOW IT WORKS ============ */
  .how{background:var(--navy);color:#fff;position:relative;overflow:hidden}
  .how::before{content:"";position:absolute;inset:0;background:radial-gradient(700px 360px at 90% -10%, rgba(201,162,39,.13), transparent 60%);pointer-events:none}
  .how .container{position:relative}
  .how .section-head h2{color:#fff}
  .how .section-head p{color:#94A3B8}
  .how .eyebrow{color:var(--gold-soft)}
  .how .eyebrow::before{background:var(--gold-soft)}
  .timeline{display:grid;grid-template-columns:repeat(4,1fr);gap:26px;position:relative;margin-top:18px}
  .timeline::before{content:"";position:absolute;top:27px;left:8%;right:8%;height:1px;background:linear-gradient(90deg,transparent,rgba(255,255,255,.18),rgba(255,255,255,.18),transparent)}
  .step{position:relative;text-align:center;padding:0 6px}
  .step .node{width:56px;height:56px;border-radius:50%;background:var(--navy-700);border:1px solid rgba(255,255,255,.14);display:grid;place-items:center;margin:0 auto 22px;position:relative;z-index:1;transition:transform .35s var(--ease),background .35s,border-color .35s}
  .step .node span{font-family:'Manrope';font-weight:800;font-size:18px;color:var(--gold-soft)}
  .step:hover .node{transform:translateY(-6px);background:var(--gold);border-color:var(--gold)}
  .step:hover .node span{color:var(--navy)}
  .step h3{color:#fff;font-size:18px;margin-bottom:9px}
  .step p{font-size:14px;color:#94A3B8;line-height:1.6}

  /* ============ WHY CHOOSE US ============ */
  .why{display:grid;grid-template-columns:.92fr 1.08fr;gap:60px;align-items:center}
  .why-media{position:relative;background:var(--gray);border-radius:22px;padding:34px;border:1px solid var(--line);overflow:hidden}
  .why-media .qbox{background:#fff;border:1px solid var(--line);border-radius:16px;padding:26px;box-shadow:var(--shadow-md)}
  .why-media .qbox .quote{font-size:40px;font-family:'Manrope';color:var(--gold);line-height:.6}
  .why-media .qbox p{font-family:'Manrope';font-weight:600;color:var(--ink);font-size:19px;line-height:1.45;margin:14px 0 18px;letter-spacing:-.01em}
  .why-media .qbox .by{display:flex;align-items:center;gap:12px}
  .why-media .qbox .by .av{width:42px;height:42px;border-radius:50%;background:var(--navy);color:#fff;display:grid;place-items:center;font-weight:600;font-size:14px}
  .why-media .qbox .by b{display:block;font-size:14px;color:var(--ink)}
  .why-media .qbox .by small{color:var(--muted);font-size:12.5px}
  .why-mini{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-top:18px}
  .why-mini div{background:#fff;border:1px solid var(--line);border-radius:13px;padding:16px}
  .why-mini b{font-family:'Manrope';font-size:22px;color:var(--navy);font-weight:800;display:block}
  .why-mini small{font-size:12.5px;color:var(--muted)}
  .why-list{list-style:none;display:grid;gap:14px;margin-top:30px}
  .why-list li{display:flex;gap:16px;align-items:flex-start;padding:18px 20px;border:1px solid var(--line);border-radius:14px;background:#fff;transition:border-color .3s,box-shadow .3s,transform .3s}
  .why-list li:hover{border-color:#d9dbe0;box-shadow:var(--shadow-md);transform:translateX(4px)}
  .why-list .chk{flex-shrink:0;width:38px;height:38px;border-radius:10px;background:var(--gold-tint);display:grid;place-items:center}
  .why-list .chk svg{width:20px;height:20px;color:var(--gold)}
  .why-list h4{font-size:15.5px;margin-bottom:3px}
  .why-list p{font-size:13.5px;color:var(--muted);line-height:1.55}

  /* ============ TESTIMONIALS ============ */
  .tst-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
  .tst{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:30px 28px;display:flex;flex-direction:column;transition:box-shadow .35s var(--ease),transform .35s var(--ease),border-color .35s}
  .tst:hover{box-shadow:var(--shadow-lg);transform:translateY(-6px);border-color:transparent}
  .tst .stars{color:var(--gold);letter-spacing:2px;font-size:15px;margin-bottom:16px}
  .tst p{color:#334155;font-size:15px;line-height:1.65;flex:1}
  .tst .by{display:flex;align-items:center;gap:13px;margin-top:22px;padding-top:20px;border-top:1px solid var(--line)}
  .tst .by .av{width:46px;height:46px;border-radius:50%;background:var(--navy);color:#fff;display:grid;place-items:center;font-weight:600;font-size:15px;flex-shrink:0}
  .tst .by b{display:block;font-size:14.5px;color:var(--ink)}
  .tst .by small{color:var(--muted);font-size:12.5px}

  /* ============ FAQ ============ */
  .faq-wrap{max-width:820px;margin:0 auto}
  .faq{border:1px solid var(--line);border-radius:14px;background:#fff;margin-bottom:14px;overflow:hidden;transition:box-shadow .3s,border-color .3s}
  .faq.open{box-shadow:var(--shadow-md);border-color:#dfe1e7}
  .faq button{width:100%;display:flex;align-items:center;justify-content:space-between;gap:18px;padding:22px 26px;background:none;border:none;cursor:pointer;text-align:left;font-family:'Manrope';font-weight:600;font-size:16.5px;color:var(--ink)}
  :focus-visible{outline:2px solid var(--gold);outline-offset:3px;border-radius:6px}
  .faq .ico{flex-shrink:0;width:30px;height:30px;border-radius:8px;border:1px solid var(--line);display:grid;place-items:center;transition:background .3s,transform .3s,border-color .3s}
  .faq .ico svg{width:16px;height:16px;color:var(--navy);transition:transform .35s var(--ease)}
  .faq.open .ico{background:var(--navy);border-color:var(--navy)}
  .faq.open .ico svg{color:#fff;transform:rotate(45deg)}
  .faq .ans{max-height:0;overflow:hidden;transition:max-height .4s var(--ease)}
  .faq .ans p{padding:0 26px 24px;color:var(--muted);font-size:14.5px;line-height:1.7}

  /* ============ CTA BANNER ============ */
  .cta-sec{padding:90px 0}
  .cta-banner{position:relative;background:var(--navy);border-radius:26px;padding:72px 60px;text-align:center;overflow:hidden}
  .cta-banner::before{content:"";position:absolute;inset:0;background:
     radial-gradient(500px 280px at 12% 0%, rgba(201,162,39,.18), transparent 60%),
     radial-gradient(560px 320px at 95% 110%, rgba(201,162,39,.1), transparent 60%);pointer-events:none}
  .cta-banner .container{position:relative;z-index:1;padding:0}
  .cta-banner .eyebrow{color:var(--gold-soft)}
  .cta-banner .eyebrow::before{background:var(--gold-soft)}
  .cta-banner h2{color:#fff;font-size:clamp(28px,3.6vw,44px);font-weight:800;margin:16px auto 16px;max-width:740px}
  .cta-banner p{color:#94A3B8;font-size:17px;max-width:560px;margin:0 auto 34px}
  .cta-banner .hero-actions{justify-content:center}

  /* ============ FOOTER ============ */
  footer{background:var(--navy);color:#cbd5e1;padding:74px 0 0}
  .ft-top{display:grid;grid-template-columns:1.6fr 1fr 1fr 1.2fr;gap:40px;padding-bottom:54px;border-bottom:1px solid rgba(255,255,255,.08)}
  .ft-brand .brand-name{color:#fff}
  .ft-brand p{color:#94A3B8;font-size:14px;margin:18px 0 22px;max-width:300px;line-height:1.7}
  .ft-soc{display:flex;gap:10px}
  .ft-soc a{width:40px;height:40px;border-radius:10px;border:1px solid rgba(255,255,255,.12);display:grid;place-items:center;color:#cbd5e1;transition:background .25s,color .25s,border-color .25s}
  .ft-soc a:hover{background:var(--gold);color:var(--navy);border-color:var(--gold)}
  .ft-soc a svg{width:18px;height:18px}
  footer h5{font-family:'Manrope';color:#fff;font-size:14px;font-weight:700;letter-spacing:.02em;margin-bottom:20px}
  .ft-links{list-style:none;display:grid;gap:12px}
  .ft-links a{font-size:14px;color:#94A3B8;transition:color .2s}
  .ft-links a:hover{color:var(--gold-soft)}
  .ft-contact li{display:flex;gap:11px;font-size:14px;color:#94A3B8;margin-bottom:14px;line-height:1.5}
  .ft-contact svg{width:18px;height:18px;color:var(--gold-soft);flex-shrink:0;margin-top:2px}
  .ft-bottom{display:flex;align-items:center;justify-content:space-between;padding:24px 0;font-size:13px;color:#7c899c;flex-wrap:wrap;gap:12px}
  .ft-bottom a{color:#94A3B8}
  .ft-bottom a:hover{color:var(--gold-soft)}
  .ft-bottom .legal{display:flex;gap:22px}

  /* ============ REVEAL ANIMATION ============ */
  .reveal{opacity:0;transform:translateY(26px);transition:opacity .7s var(--ease),transform .7s var(--ease)}
  .reveal.in{opacity:1;transform:none}

  /* ============ RESPONSIVE ============ */
  @media(max-width:1040px){
    .hero .container{grid-template-columns:1fr;gap:64px}
    .hero-visual{height:440px;max-width:520px;margin:0 auto;width:100%}
    .svc-grid{grid-template-columns:repeat(2,1fr)}
    .why{grid-template-columns:1fr;gap:40px}
    .tst-grid{grid-template-columns:1fr 1fr}
  }
  @media(max-width:760px){
    .section{padding:72px 0}
    .nav-menu{position:fixed;inset:74px 0 auto 0;flex-direction:column;background:#fff;border-bottom:1px solid var(--line);padding:14px 24px 22px;gap:2px;box-shadow:var(--shadow-md);transform:translateY(-12px);opacity:0;pointer-events:none;transition:opacity .25s,transform .25s}
    .nav-menu.open{transform:none;opacity:1;pointer-events:auto}
    .nav-menu a{width:100%;padding:13px 12px;font-size:16px;border-bottom:1px solid var(--gray)}
    .nav-menu a::after{display:none}
    .nav-cta .btn{display:none}
    .nav-toggle{display:grid;place-items:center}
    .stats .grid{grid-template-columns:1fr 1fr}
    .stat{border-right:0;border-bottom:1px solid var(--line);padding:34px 20px}
    .stat:nth-child(odd){border-right:1px solid var(--line)}
    .svc-grid{grid-template-columns:1fr}
    .timeline{grid-template-columns:1fr;gap:8px}
    .timeline::before{display:none}
    .step{display:grid;grid-template-columns:auto 1fr;text-align:left;gap:0 18px;padding:14px 0;align-items:start}
    .step .node{margin:0}
    .step h3,.step p{grid-column:2}
    .tst-grid{grid-template-columns:1fr}
    .why-mini{grid-template-columns:1fr 1fr}
    .cta-banner{padding:54px 26px}
    .ft-top{grid-template-columns:1fr 1fr;gap:36px 28px}
    .ft-bottom{flex-direction:column;align-items:flex-start}
  }
  @media(max-width:420px){.ft-top{grid-template-columns:1fr}}

  @media (prefers-reduced-motion:reduce){
    *{animation:none!important;transition-duration:.001ms!important;scroll-behavior:auto!important}
    .reveal{opacity:1;transform:none}
  }
/* ===================== MEGA MENU ===================== */
.nav{position:relative}
.has-mega{display:flex;align-items:center}
.mega-trigger{display:flex;align-items:center;gap:6px}
.caret{width:13px;height:13px;transition:transform .25s var(--ease)}
.has-mega:hover .caret,.has-mega:focus-within .caret{transform:rotate(180deg)}
.nav-menu .has-mega a::after{display:none}
.mega{position:absolute;top:74px;left:50%;width:min(860px,calc(100vw - 32px));
  display:grid;grid-template-columns:.75fr 2fr;gap:14px;padding:16px;
  background:#fff;
  border:1px solid #E2E4E9;border-radius:18px;box-shadow:0 28px 64px -18px rgba(15,23,42,.32),0 12px 30px -14px rgba(15,23,42,.16);
  opacity:0;visibility:hidden;pointer-events:none;transform:translateX(-50%) translateY(10px);
  transition:opacity .26s var(--ease),transform .26s var(--ease),visibility .26s;z-index:60}
.mega::before{content:"";position:absolute;left:0;right:0;top:-20px;height:20px}
.has-mega:hover .mega,.has-mega:focus-within .mega{opacity:1;visibility:visible;pointer-events:auto;transform:translateX(-50%) translateY(0)}
.mega-aside{background:var(--navy);border-radius:13px;padding:20px;display:flex;flex-direction:column}
.mega-aside .eyebrow{color:var(--gold-soft)}
.mega-aside .eyebrow::before{background:var(--gold-soft)}
.mega-aside h4{color:#fff;font-size:17px;margin:12px 0 8px;font-weight:700}
.mega-aside p{color:#94A3B8;font-size:12.5px;line-height:1.6}
.mega-all{margin-top:auto;display:inline-flex;align-items:center;gap:7px;color:var(--gold-soft);font-weight:600;font-size:13px;padding-top:16px}
.mega-all svg{width:14px;height:14px}
.mega-grid{display:grid;grid-template-columns:1fr 1fr;gap:4px}
.mega-item{display:flex;gap:12px;align-items:flex-start;padding:11px 12px;border-radius:11px;transition:background .2s var(--ease)}
.mega-item:hover{background:var(--gray)}
.mi-ic{width:38px;height:38px;border-radius:9px;background:var(--gray);display:grid;place-items:center;flex-shrink:0;transition:background .25s var(--ease)}
.mi-ic svg{width:19px;height:19px;color:var(--navy);transition:color .25s var(--ease)}
.mega-item:hover .mi-ic{background:var(--navy)}
.mega-item:hover .mi-ic svg{color:var(--gold-soft)}
.mega-item b{display:block;font-size:13.5px;color:var(--ink);font-weight:600;line-height:1.3}
.mega-item small{display:block;font-size:11.5px;color:var(--muted);line-height:1.45;margin-top:3px}

/* reusable grids + 5-step timeline (shared) */
.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:24px}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.timeline-5{grid-template-columns:repeat(5,1fr)}
.crumb{display:flex;align-items:center;gap:8px;font-size:13px;color:var(--muted);margin-bottom:18px;flex-wrap:wrap}
.crumb a{color:var(--muted);transition:color .2s}
.crumb a:hover{color:var(--navy)}
.crumb .sep{color:var(--line)}
.crumb b{color:var(--navy);font-weight:600}
@media(max-width:1040px){.grid-3{grid-template-columns:repeat(2,1fr)}}
@media(max-width:760px){
  .grid-2,.grid-3{grid-template-columns:1fr}
  .timeline-5{grid-template-columns:1fr}
  .has-mega{display:block}
  .mega-trigger{justify-content:space-between;width:100%}
  .mega{position:static;width:auto;transform:none;opacity:1;visibility:visible;pointer-events:auto;
    display:block;max-height:0;overflow:hidden;padding:0;border:none;background:transparent;
    backdrop-filter:none;-webkit-backdrop-filter:none;box-shadow:none;transition:max-height .35s var(--ease)}
  .mega::before{display:none}
  .has-mega.open-acc .mega{max-height:760px}
  .mega-aside{display:none}
  .mega-grid{grid-template-columns:1fr;gap:2px;padding:2px 0 8px}
}
/* 6-step timeline (shared) */
.timeline-6{grid-template-columns:repeat(6,1fr)}
@media(max-width:1040px){.timeline-6{grid-template-columns:repeat(3,1fr);row-gap:40px}.timeline-6::before{display:none}}
@media(max-width:760px){.timeline-6{grid-template-columns:1fr}}