/* ============================================================
   MoneyFirst — Homecoming
   Marketing site (app-only product). Design system + sections.
   ============================================================ */

:root{
  --cream:#FBF7EE; --cream-2:#F3EDE0; --paper:#FFFFFF;
  --ink:#0C1A14; --ink-soft:#33453C;
  --forest:#0E5C43; --forest-2:#13855F; --forest-deep:#0A4533;
  --moss:#CFE7D9; --moss-2:#E7F3EC;
  --gold:#E2A53C; --gold-2:#F2B954;
  --saffron:#EE9B2E; --saffron-deep:#D9821A;
  --muted:#5E6E66; --line:#E6DECE; --line-2:#EFE7D6;
  --glass:rgba(255,253,248,.82);
  --shadow-lg:0 40px 90px -36px rgba(12,26,20,.5);
  --shadow-md:0 24px 50px -28px rgba(12,26,20,.4);
  --shadow-sm:0 14px 30px -18px rgba(12,26,20,.35);
  --r:20px; --r-lg:26px;
  --max:1220px;
}

*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{
  font-family:'Plus Jakarta Sans',system-ui,sans-serif;
  background:var(--cream);color:var(--ink);line-height:1.55;
  -webkit-font-smoothing:antialiased;overflow-x:hidden;
}
img{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
::selection{background:var(--forest);color:#fff}

.wrap{max-width:var(--max);margin:0 auto;padding:0 28px;position:relative}
.section{padding:96px 0;position:relative}
.section.tight{padding:70px 0}

/* grain overlay (subtle warmth) */
.grain-fixed{position:fixed;inset:0;z-index:1;pointer-events:none;opacity:.30;mix-blend-mode:multiply;
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='160' height='160'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.9' numOctaves='2'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)' opacity='0.5'/%3E%3C/svg%3E");}

/* ---------- Buttons ---------- */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:9px;
  border:none;cursor:pointer;font-family:inherit;font-weight:700;font-size:15px;
  border-radius:13px;padding:13px 24px;transition:transform .18s,box-shadow .25s,background .2s,color .2s;
  white-space:nowrap;
}
.btn svg{width:18px;height:18px}
.btn-primary{background:var(--forest);color:#fff;box-shadow:0 14px 26px -12px rgba(14,92,67,.85)}
.btn-primary:hover{transform:translateY(-2px);background:var(--forest-2)}
.btn-gold{background:var(--gold);color:#23170A;box-shadow:0 14px 30px -12px rgba(226,165,60,.7)}
.btn-gold:hover{transform:translateY(-2px);background:var(--gold-2)}
.btn-out{background:var(--paper);border:1.5px solid var(--line);color:var(--ink)}
.btn-out:hover{border-color:var(--forest);transform:translateY(-2px)}
.btn-ghost-light{background:rgba(255,255,255,.1);backdrop-filter:blur(6px);color:#fff;border:1px solid rgba(255,255,255,.24)}
.btn-ghost-light:hover{background:rgba(255,255,255,.2)}
.btn-lg{padding:16px 30px;font-size:16.5px;border-radius:15px}
.btn-block{width:100%}

/* App store badges */
.badges{display:flex;gap:13px;flex-wrap:wrap}
.badge-app{display:inline-flex;align-items:center;gap:11px;background:var(--ink);color:#fff;border-radius:14px;
  padding:10px 18px;transition:transform .18s,box-shadow .25s;box-shadow:0 14px 30px -16px rgba(12,26,20,.8)}
.badge-app:hover{transform:translateY(-2px);box-shadow:0 18px 34px -16px rgba(12,26,20,.9)}
.badge-app svg{width:26px;height:26px;flex-shrink:0}
.badge-app .ba-t{display:flex;flex-direction:column;line-height:1.1}
.badge-app .ba-t small{font-size:10.5px;opacity:.8;font-weight:500;letter-spacing:.3px}
.badge-app .ba-t b{font-size:16px;font-weight:700;letter-spacing:-.2px}
.badge-app.light{background:var(--paper);color:var(--ink);border:1px solid var(--line)}

/* ---------- Announce ---------- */
.announce{background:var(--ink);color:#EAF3EE;font-size:13px;font-weight:500;letter-spacing:.2px;
  text-align:center;padding:9px 16px;position:relative;z-index:60}
.announce b{color:var(--gold-2);font-weight:700}

/* ---------- Nav ---------- */
.nav{position:sticky;top:0;z-index:50;backdrop-filter:blur(14px);background:rgba(251,247,238,.8);border-bottom:1px solid var(--line);transition:background .3s}
.nav-in{display:flex;align-items:center;justify-content:space-between;height:74px}
.logo{display:flex;align-items:center;gap:11px;font-family:'Fraunces',serif;font-weight:600;font-size:23px;letter-spacing:-.4px}
.logo .mark{width:36px;height:36px;border-radius:10px;background:linear-gradient(150deg,var(--forest-2),var(--forest));
  display:grid;place-items:center;color:#fff;box-shadow:0 8px 18px -8px rgba(14,92,67,.7)}
.logo .mark svg{width:19px;height:19px}
.logo b{color:var(--saffron-deep);font-weight:600}
.nav-links{display:flex;gap:30px;font-size:15px;font-weight:500;color:var(--ink-soft)}
.nav-links a{transition:color .2s}
.nav-links a:hover{color:var(--forest)}
.nav-cta{display:flex;align-items:center;gap:12px}
.nav-toggle{display:none;background:none;border:none;cursor:pointer;width:42px;height:42px;border-radius:11px;align-items:center;justify-content:center}
.nav-toggle svg{width:26px;height:26px;color:var(--ink)}

/* mobile menu */
.mobile-menu{display:none;flex-direction:column;gap:6px;padding:14px 28px 24px;background:var(--cream);border-bottom:1px solid var(--line);position:sticky;top:74px;z-index:49}
.mobile-menu.open{display:flex}
.mobile-menu a{padding:12px 4px;font-weight:600;color:var(--ink-soft);border-bottom:1px solid var(--line-2)}
.mobile-menu .btn{margin-top:12px}

/* ---------- Hero (full-bleed photo) ---------- */
.hero{position:relative;min-height:92vh;display:flex;align-items:center;overflow:hidden}
.hero-bg{position:absolute;inset:0;background:url("assets/hero-family.jpg") center 26% / cover no-repeat;z-index:0}
.hero-bg::after{content:"";position:absolute;inset:0;background:
  linear-gradient(103deg, rgba(8,22,15,.84) 0%, rgba(9,26,18,.58) 32%, rgba(10,30,21,.24) 60%, rgba(10,30,21,.06) 100%),
  radial-gradient(70% 60% at 24% 36%, transparent 30%, rgba(8,20,14,.2) 100%),
  linear-gradient(0deg, rgba(7,16,11,.6), transparent 42%);}
.hero-grain{position:absolute;inset:0;z-index:1;pointer-events:none;opacity:.5;mix-blend-mode:overlay;
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='160' height='160'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.85' numOctaves='2'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)' opacity='0.5'/%3E%3C/svg%3E");}
.hero-grid{position:relative;z-index:3;display:grid;grid-template-columns:minmax(0,1.08fr) minmax(0,.92fr);gap:50px;align-items:center;width:100%;min-width:0;padding:70px 0}
.hero-grid>*{min-width:0}

.eyebrow{display:inline-flex;align-items:center;gap:10px;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.22);
  backdrop-filter:blur(8px);color:#fff;font-weight:600;font-size:13.5px;padding:8px 15px;border-radius:100px;margin-bottom:26px}
.eyebrow .dot{width:7px;height:7px;border-radius:50%;background:var(--gold-2);box-shadow:0 0 8px var(--gold-2)}
.hero h1{font-family:'Fraunces',serif;font-weight:400;font-size:clamp(40px,5.4vw,70px);line-height:1.02;letter-spacing:-1.4px;color:#fff;text-shadow:0 2px 30px rgba(0,0,0,.3)}
.hero h1 em{font-style:italic;color:var(--gold-2)}
.hero .sub{font-size:19px;color:rgba(255,255,255,.88);max-width:480px;margin:26px 0 32px;line-height:1.6}
.hero-cta{display:flex;gap:14px;flex-wrap:wrap;align-items:center}
.trust-row{display:flex;gap:24px;margin-top:38px;flex-wrap:wrap}
.trust-row .ti{display:flex;align-items:center;gap:9px;font-size:13.5px;font-weight:600;color:rgba(255,255,255,.92)}
.trust-row .ti svg{width:19px;height:19px;color:var(--gold-2);flex-shrink:0}

/* ---------- Glass calculator ---------- */
.calc{position:relative;background:var(--glass);backdrop-filter:blur(20px) saturate(1.2);border:1px solid rgba(255,255,255,.5);
  border-radius:var(--r-lg);box-shadow:var(--shadow-lg);padding:26px;color:var(--ink)}
.calc-top{display:flex;align-items:flex-start;justify-content:space-between;margin-bottom:16px}
.calc-top .lbl{font-family:'Fraunces',serif;font-weight:500;font-size:22px}
.live{display:inline-flex;align-items:center;gap:7px;font-size:12px;font-weight:700;letter-spacing:.4px;color:var(--forest);background:var(--moss);padding:5px 11px;border-radius:100px}
.live .pulse{width:7px;height:7px;border-radius:50%;background:var(--forest);animation:pulse 1.8s infinite}
@keyframes pulse{0%{box-shadow:0 0 0 0 rgba(14,92,67,.5)}70%{box-shadow:0 0 0 7px rgba(14,92,67,0)}100%{box-shadow:0 0 0 0 rgba(14,92,67,0)}}
.field{background:rgba(255,255,255,.72);border:1.5px solid var(--line);border-radius:15px;padding:14px 16px;display:flex;align-items:center;justify-content:space-between;gap:12px;transition:border .2s}
.field:focus-within{border-color:var(--gold)}
.field>div{min-width:0}
.field .fl{font-size:12px;color:var(--muted);font-weight:700;letter-spacing:.4px;text-transform:uppercase;margin-bottom:5px}
.field input{border:none;background:none;font-family:'JetBrains Mono',monospace;font-weight:700;font-size:26px;color:var(--ink);width:100%;outline:none;min-width:0}
.field input::-webkit-outer-spin-button,.field input::-webkit-inner-spin-button{-webkit-appearance:none;margin:0}
.cur{display:flex;align-items:center;gap:8px;font-weight:700;font-size:14.5px;background:#fff;border:1px solid var(--line);padding:9px 13px;border-radius:100px;flex-shrink:0}
.conv{display:flex;align-items:center;padding:11px 4px;color:var(--muted);font-size:13.5px}
.conv b{color:var(--ink);font-family:'JetBrains Mono',monospace}
.conv .mid{flex:1;height:1px;background:var(--line);margin:0 12px}
.free{color:var(--forest);font-weight:700}
.breakdown{margin-top:16px;border-top:1px dashed var(--line);padding-top:15px;display:grid;gap:10px;font-size:14px}
.brow{display:flex;justify-content:space-between;color:var(--muted)}
.brow b{color:var(--ink);font-family:'JetBrains Mono',monospace}
.calc .btn{width:100%;margin-top:18px;padding:15px;font-size:16px}
.calc-fine{font-size:11.5px;color:var(--muted);text-align:center;margin-top:12px;line-height:1.5}

/* ---------- Logo "Est." lockup (hairline tagline, part of the mark) ---------- */
.logo .est{font-size:10px;font-weight:700;letter-spacing:1.4px;text-transform:uppercase;color:var(--muted);
  padding-left:12px;border-left:1px solid var(--line);align-self:center;white-space:nowrap}

/* ---------- Calculator header micro-proofs (woven in, no boxes) ---------- */
.calc-top .lbl{display:flex;flex-direction:column}
.calc-top .lbl small{font-family:'Plus Jakarta Sans',sans-serif;font-size:13px;font-weight:600;color:var(--muted);letter-spacing:0;margin-top:5px}
.calc-top-r{display:flex;flex-direction:column;align-items:flex-end;gap:7px}
.calc-top-r .best{font-size:13px;font-weight:700;color:var(--forest);letter-spacing:.2px}

/* ---------- Sticky mobile "Get the app" bar ---------- */
.sticky-app{position:fixed;left:0;right:0;bottom:0;z-index:55;display:none;align-items:center;justify-content:space-between;gap:14px;
  padding:11px 16px calc(11px + env(safe-area-inset-bottom));background:rgba(12,26,20,.97);backdrop-filter:blur(12px);
  border-top:1px solid rgba(255,255,255,.12);transform:translateY(120%);transition:transform .4s cubic-bezier(.16,.84,.44,1);
  box-shadow:0 -12px 30px -12px rgba(0,0,0,.55)}
.sticky-app.show{transform:translateY(0)}
.sticky-app .sa-text b{color:#fff;font-size:13.5px;display:block;line-height:1.25}
.sticky-app .sa-text span{color:#9DB0A4;font-size:11.5px}
.sticky-app .btn{padding:12px 20px;font-size:14.5px;flex-shrink:0}

/* ---------- Stats strip ---------- */
.stats{background:var(--ink);color:#EFF6F1;position:relative;z-index:2}
.stats-in{display:grid;grid-template-columns:repeat(4,1fr);gap:30px;padding:46px 0}
.stat{position:relative}
.stat+.stat::before{content:"";position:absolute;left:-15px;top:6px;bottom:6px;width:1px;background:rgba(255,255,255,.12)}
.stat .n{font-family:'Fraunces',serif;font-size:clamp(30px,3.6vw,42px);font-weight:500;letter-spacing:-1px;color:var(--gold-2);line-height:1}
.stat .t{font-size:14px;color:rgba(239,246,241,.78);margin-top:8px;font-weight:500}

/* ---------- Section heading ---------- */
.sec-head{max-width:680px;margin:0 auto 56px;text-align:center}
.sec-head.left{margin-left:0;text-align:left}
.kicker{display:inline-flex;align-items:center;gap:9px;color:var(--forest);font-weight:700;font-size:13px;letter-spacing:1.4px;text-transform:uppercase;margin-bottom:18px}
.kicker::before{content:"";width:26px;height:1.5px;background:var(--saffron)}
.sec-head h2{font-family:'Fraunces',serif;font-weight:500;font-size:clamp(30px,4vw,48px);line-height:1.06;letter-spacing:-1px}
.sec-head h2 em{font-style:italic;color:var(--forest)}
.sec-head p{font-size:18px;color:var(--muted);margin-top:18px;line-height:1.6}

/* ---------- How it works ---------- */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:26px}
.step{background:var(--paper);border:1px solid var(--line);border-radius:var(--r-lg);padding:32px 28px;position:relative;overflow:hidden;transition:transform .25s,box-shadow .25s}
.step:hover{transform:translateY(-5px);box-shadow:var(--shadow-md)}
.step .no{font-family:'Fraunces',serif;font-size:15px;font-weight:600;color:var(--saffron-deep);letter-spacing:1px}
.step .ic{width:56px;height:56px;border-radius:16px;background:var(--moss-2);display:grid;place-items:center;color:var(--forest);margin:16px 0 20px}
.step .ic svg{width:28px;height:28px}
.step h3{font-family:'Fraunces',serif;font-weight:500;font-size:23px;letter-spacing:-.3px;margin-bottom:10px}
.step p{color:var(--muted);font-size:15.5px;line-height:1.6}
.step .glyph{position:absolute;right:-18px;top:-18px;font-family:'Fraunces',serif;font-size:130px;color:var(--cream-2);font-weight:600;z-index:0;line-height:1}
.step>*{position:relative;z-index:1}

/* ---------- Features ---------- */
.feat-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.feat{background:var(--paper);border:1px solid var(--line);border-radius:var(--r);padding:28px;transition:transform .25s,box-shadow .25s,border-color .2s}
.feat:hover{transform:translateY(-4px);box-shadow:var(--shadow-sm);border-color:var(--moss)}
.feat .ic{width:48px;height:48px;border-radius:13px;background:linear-gradient(150deg,var(--moss-2),var(--moss));display:grid;place-items:center;color:var(--forest);margin-bottom:18px}
.feat .ic svg{width:24px;height:24px}
.feat h3{font-weight:700;font-size:18px;margin-bottom:8px;letter-spacing:-.2px}
.feat p{color:var(--muted);font-size:14.5px;line-height:1.6}

/* ---------- Rate section ---------- */
.rate-wrap{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.rate-panel{background:var(--forest-deep);color:#EAF6EF;border-radius:var(--r-lg);padding:40px;position:relative;overflow:hidden;box-shadow:var(--shadow-md)}
.rate-panel::before{content:"";position:absolute;width:280px;height:280px;border-radius:50%;background:radial-gradient(circle,rgba(242,185,84,.22),transparent 70%);top:-90px;right:-70px}
.rate-panel .rp-lbl{font-size:13px;font-weight:600;letter-spacing:.6px;text-transform:uppercase;opacity:.78}
.rate-panel .rp-big{font-family:'JetBrains Mono',monospace;font-weight:700;font-size:clamp(40px,6vw,62px);letter-spacing:-1px;margin:10px 0 4px;line-height:1}
.rate-panel .rp-big b{color:var(--gold-2)}
.rate-panel .rp-sub{opacity:.82;font-size:15px}
.rate-panel .rp-row{display:flex;gap:14px;margin-top:30px;flex-wrap:wrap}
.rate-panel .rp-chip{background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.16);border-radius:100px;padding:9px 16px;font-size:13.5px;font-weight:600;display:flex;align-items:center;gap:8px}
.rate-panel .rp-chip svg{width:16px;height:16px;color:var(--gold-2)}
.rate-list{display:grid;gap:18px}
.rate-list .rl{display:flex;gap:16px;align-items:flex-start}
.rate-list .rl .ck{width:30px;height:30px;border-radius:9px;background:var(--moss-2);display:grid;place-items:center;color:var(--forest);flex-shrink:0}
.rate-list .rl .ck svg{width:17px;height:17px}
.rate-list .rl .rt{font-weight:700;font-size:16.5px;margin-bottom:3px}
.rate-list .rl .rd{color:var(--muted);font-size:14.5px;line-height:1.55}

/* ---------- Corridor / Pay to India ---------- */
.corridor{background:linear-gradient(180deg,var(--cream),var(--cream-2));border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.corr-grid{display:grid;grid-template-columns:1fr 1fr;gap:54px;align-items:center}
.corr-card{background:var(--paper);border:1px solid var(--line);border-radius:var(--r-lg);box-shadow:var(--shadow-md);padding:10px;position:relative}
.corr-map{border-radius:18px;background:linear-gradient(150deg,#0E5C43,#0A4533);padding:34px;color:#EAF6EF;position:relative;overflow:hidden}
.corr-flags{display:flex;align-items:center;justify-content:center;gap:20px;font-size:46px;margin-bottom:8px}
.corr-flags .arrow{display:grid;place-items:center;width:54px;height:54px;border-radius:50%;background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.2)}
.corr-flags .arrow svg{width:26px;height:26px;color:var(--gold-2)}
.corr-map .cm-t{text-align:center;font-family:'Fraunces',serif;font-size:22px;margin-top:8px}
.corr-map .cm-row{display:flex;justify-content:space-between;margin-top:24px;padding-top:20px;border-top:1px solid rgba(255,255,255,.14);font-size:13.5px}
.corr-map .cm-row .v{font-family:'JetBrains Mono',monospace;font-weight:700;color:var(--gold-2);font-size:16px}
.pay-methods{display:grid;gap:14px;margin-top:24px}
.pay-m{display:flex;align-items:center;gap:14px;background:var(--paper);border:1px solid var(--line);border-radius:14px;padding:15px 18px}
.pay-m .ic{width:42px;height:42px;border-radius:11px;background:var(--moss-2);display:grid;place-items:center;color:var(--forest);flex-shrink:0}
.pay-m .ic svg{width:21px;height:21px}
.pay-m .pt{font-weight:700;font-size:15.5px}
.pay-m .pd{font-size:13px;color:var(--muted)}

/* ---------- App download ---------- */
.appsec{background:var(--ink);color:#EFF6F1;position:relative;overflow:hidden}
.appsec::before{content:"";position:absolute;inset:0;background:radial-gradient(60% 70% at 80% 20%,rgba(19,133,95,.4),transparent 65%),radial-gradient(50% 60% at 10% 90%,rgba(226,165,60,.16),transparent 60%);}
.app-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:50px;align-items:center;position:relative;z-index:2}
.app-grid .kicker{color:var(--gold-2)}.app-grid .kicker::before{background:var(--gold-2)}
.app-grid h2{font-family:'Fraunces',serif;font-weight:500;font-size:clamp(30px,4vw,48px);line-height:1.06;letter-spacing:-1px}
.app-grid h2 em{font-style:italic;color:var(--gold-2)}
.app-grid .as-sub{font-size:18px;color:rgba(239,246,241,.82);margin:18px 0 28px;line-height:1.6;max-width:460px}
.app-points{display:grid;gap:14px;margin-bottom:30px}
.app-points .ap{display:flex;align-items:center;gap:12px;font-size:15.5px;color:#EFF6F1;font-weight:500}
.app-points .ap svg{width:20px;height:20px;color:var(--gold-2);flex-shrink:0}
.phone-stage{display:flex;justify-content:center;position:relative}
.phone{width:300px;background:#0A1410;border:10px solid #05100B;border-radius:42px;box-shadow:0 50px 100px -40px rgba(0,0,0,.8);overflow:hidden;position:relative}
.phone .notch{position:absolute;top:0;left:50%;transform:translateX(-50%);width:120px;height:24px;background:#05100B;border-radius:0 0 16px 16px;z-index:3}
.phone-screen{background:linear-gradient(180deg,#0E5C43,#0A4533);padding:46px 20px 26px;color:#EAF6EF}
.ps-bal{font-size:12.5px;opacity:.8}
.ps-amt{font-family:'JetBrains Mono',monospace;font-size:34px;font-weight:700;margin:4px 0 18px}
.ps-card{background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.16);border-radius:16px;padding:15px;margin-bottom:12px}
.ps-card .r1{display:flex;align-items:center;gap:11px}
.ps-card .av{width:38px;height:38px;border-radius:50%;background:var(--gold);color:#23170A;display:grid;place-items:center;font-weight:800;font-size:15px}
.ps-card .nm{font-weight:700;font-size:14px}.ps-card .sb{font-size:11.5px;opacity:.72}
.ps-card .amt{margin-left:auto;font-family:'JetBrains Mono',monospace;font-weight:700;color:var(--gold-2);font-size:14px}
.ps-status{display:flex;align-items:center;gap:8px;font-size:12px;background:rgba(242,185,84,.16);color:var(--gold-2);border-radius:10px;padding:9px 12px;font-weight:600}
.ps-status svg{width:15px;height:15px}
.qr{position:absolute;right:0;bottom:24px;background:#fff;border-radius:16px;padding:13px;box-shadow:var(--shadow-md);text-align:center;width:120px}
.qr .qbox{width:94px;height:94px;border-radius:8px;background:#fff;padding:4px;overflow:hidden}
.qr .qbox img{width:100%;height:100%;display:block}
.qr small{display:block;font-size:10px;color:var(--muted);margin-top:7px;font-weight:600}

/* ---------- Referral ---------- */
.referral{position:relative}
.ref-card{background:linear-gradient(135deg,var(--gold),var(--saffron));border-radius:var(--r-lg);padding:46px;color:#2A1B06;
  display:grid;grid-template-columns:1.3fr .7fr;gap:30px;align-items:center;position:relative;overflow:hidden;box-shadow:var(--shadow-md)}
.ref-card::before{content:"";position:absolute;width:300px;height:300px;border-radius:50%;border:30px solid rgba(255,255,255,.14);top:-120px;right:-60px}
.ref-card h2{font-family:'Fraunces',serif;font-weight:500;font-size:clamp(28px,3.4vw,40px);letter-spacing:-.6px;line-height:1.08;position:relative}
.ref-card p{font-size:16.5px;margin-top:12px;opacity:.85;max-width:440px;position:relative}
.ref-amt{font-family:'Fraunces',serif;font-size:clamp(56px,9vw,104px);font-weight:600;line-height:.9;text-align:center;position:relative}
.ref-amt small{display:block;font-family:'Plus Jakarta Sans';font-size:15px;font-weight:700;opacity:.8;margin-top:6px;letter-spacing:.3px}

/* ---------- FAQ ---------- */
.faq-wrap{max-width:820px;margin:0 auto;display:grid;gap:14px}
.faq{background:var(--paper);border:1px solid var(--line);border-radius:16px;overflow:hidden;transition:border-color .2s,box-shadow .2s}
.faq.open{border-color:var(--moss);box-shadow:var(--shadow-sm)}
.faq-q{width:100%;background:none;border:none;cursor:pointer;font-family:inherit;text-align:left;
  display:flex;align-items:center;justify-content:space-between;gap:16px;padding:22px 24px;font-weight:700;font-size:17px;color:var(--ink)}
.faq-q .pm{width:30px;height:30px;border-radius:9px;background:var(--moss-2);display:grid;place-items:center;flex-shrink:0;transition:transform .3s,background .2s}
.faq-q .pm svg{width:17px;height:17px;color:var(--forest)}
.faq.open .faq-q .pm{transform:rotate(45deg);background:var(--forest);color:#fff}
.faq.open .faq-q .pm svg{color:#fff}
.faq-a{max-height:0;overflow:hidden;transition:max-height .35s ease}
.faq-a-in{padding:0 24px 24px;color:var(--muted);font-size:15.5px;line-height:1.65}

/* ---------- CTA ---------- */
.cta{position:relative;text-align:center}
.cta-card{background:var(--forest-deep);border-radius:var(--r-lg);padding:64px 40px;color:#EAF6EF;position:relative;overflow:hidden;box-shadow:var(--shadow-md)}
.cta-card::before{content:"";position:absolute;inset:0;background:radial-gradient(50% 80% at 50% 0%,rgba(242,185,84,.2),transparent 65%);}
.cta-card>*{position:relative;z-index:1}
.cta-card h2{font-family:'Fraunces',serif;font-weight:500;font-size:clamp(32px,4.4vw,52px);letter-spacing:-1px;line-height:1.04}
.cta-card h2 em{font-style:italic;color:var(--gold-2)}
.cta-card p{font-size:18.5px;color:rgba(234,246,239,.85);max-width:520px;margin:18px auto 30px;line-height:1.6}
.cta-card .badges{justify-content:center}

/* ---------- Footer ---------- */
.footer{background:var(--ink);color:#C9D6CD;padding:70px 0 34px;font-size:14.5px}
.foot-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1.2fr;gap:40px;padding-bottom:44px;border-bottom:1px solid rgba(255,255,255,.1)}
.footer .logo{color:#fff;margin-bottom:16px}
.footer .logo b{color:var(--gold-2)}
.foot-about{color:#9DB0A4;line-height:1.65;max-width:300px}
.foot-contact{display:grid;gap:11px;margin-top:18px}
.foot-contact a{display:flex;align-items:center;gap:10px;color:#C9D6CD}
.foot-contact a:hover{color:#fff}
.foot-contact a svg{width:17px;height:17px;color:var(--gold-2);flex-shrink:0}
.foot-social{display:flex;gap:10px;margin-top:20px}
.foot-social a{width:40px;height:40px;border-radius:11px;border:1px solid rgba(255,255,255,.16);display:grid;place-items:center;color:#C9D6CD;transition:background .2s,color .2s,border-color .2s,transform .2s}
.foot-social a:hover{background:var(--forest);color:#fff;border-color:var(--forest);transform:translateY(-2px)}
.foot-social a svg{width:19px;height:19px}
.foot-col h4{color:#fff;font-size:14px;font-weight:700;letter-spacing:.4px;text-transform:uppercase;margin-bottom:16px}
.foot-col a{display:block;color:#9DB0A4;padding:6px 0;transition:color .2s}
.foot-col a:hover{color:#fff}
.foot-badges{display:flex;flex-direction:column;gap:11px;align-items:flex-start;margin-top:6px}
.foot-bottom{display:flex;align-items:center;justify-content:space-between;gap:20px;padding-top:26px;flex-wrap:wrap;color:#7E9087;font-size:13px}
.foot-bottom .reg{display:flex;align-items:center;gap:9px}
.foot-bottom .reg svg{width:18px;height:18px;color:var(--gold-2)}
.foot-disclaimer{color:#6E8077;font-size:12.5px;line-height:1.6;margin-top:18px;max-width:920px}

/* ---------- Reveal animation ---------- */
.reveal{opacity:0;transform:translateY(22px);transition:opacity .8s cubic-bezier(.16,.84,.44,1),transform .8s cubic-bezier(.16,.84,.44,1)}
.reveal.in{opacity:1;transform:none}
.reveal[data-d="1"]{transition-delay:.08s}
.reveal[data-d="2"]{transition-delay:.16s}
.reveal[data-d="3"]{transition-delay:.24s}
.reveal[data-d="4"]{transition-delay:.32s}
@media(prefers-reduced-motion:reduce){.reveal{opacity:1;transform:none;transition:none}.live .pulse,.ps-status{animation:none}}

/* ---------- Responsive ---------- */
@media(max-width:980px){
  .rate-wrap,.corr-grid,.app-grid{grid-template-columns:1fr;gap:40px}
  .ref-card{grid-template-columns:1fr;text-align:center}
  .ref-card p{margin-left:auto;margin-right:auto}
  .feat-grid,.steps{grid-template-columns:1fr 1fr}
}
@media(max-width:860px){
  .nav-links,.nav-cta .btn{display:none}
  .nav-toggle{display:flex}
  .hero-grid{grid-template-columns:minmax(0,1fr);gap:36px;padding:56px 0}
  .hero-bg::after{background:linear-gradient(0deg,rgba(8,22,15,.95) 6%,rgba(9,28,20,.72) 55%,rgba(9,28,20,.55) 100%)}
  .stats-in{grid-template-columns:1fr 1fr;gap:30px}
  .stat+.stat::before{display:none}
  .foot-grid{grid-template-columns:1fr 1fr;gap:30px}
  .section{padding:72px 0}
  .sticky-app{display:flex}
  .logo .est{display:none}
}
@media(max-width:560px){
  .wrap{padding:0 20px}
  .feat-grid,.steps,.stats-in,.foot-grid{grid-template-columns:1fr}
  .hero h1{font-size:clamp(34px,9vw,46px)}
  .calc{padding:20px}
  .calc-top{flex-direction:column;align-items:stretch;gap:11px}
  .calc-top .lbl{font-size:21px}
  .calc-top .lbl small{font-size:12.5px}
  .calc-top-r{flex-direction:row;align-items:center;justify-content:space-between;gap:10px}
  .calc-top-r .best{font-size:12.5px}
  .cta-card,.ref-card,.rate-panel,.corr-map{padding:32px 24px}
  .badges{width:100%}
  .badge-app{flex:1;justify-content:center}
}