/* Qenti Bank — brand system from logo (navy + gold + cream) */
:root {
  --navy-950: #010e1c;
  --navy-900: #021731;
  --navy-800: #0a2138;
  --navy-700: #12304f;
  --gold: #c59d2f;
  --gold-light: #d4b24a;
  --gold-deep: #9a7a1f;
  --cream: #f3f0e6;
  --cream-muted: #c5c0b2;
  --ink: #0d1a28;
  --muted: #5a6570;
  --line: rgba(197, 157, 47, 0.35);
  --line-soft: rgba(243, 240, 230, 0.12);
  --white: #ffffff;
  --danger: #b33a3a;
  --radius: 2px;
  --shadow: 0 24px 60px rgba(2, 23, 49, 0.35);
  --font-display: "Cormorant Garamond", "Times New Roman", serif;
  --font-body: "Manrope", "Helvetica Neue", sans-serif;
  --header-h: 5rem;
  --max: 1120px;
  --ease: cubic-bezier(0.22, 1, 0.36, 1);
}

*,
*::before,
*::after {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family: var(--font-body);
  font-size: 1rem;
  line-height: 1.65;
  color: var(--ink);
  background: var(--cream);
  -webkit-font-smoothing: antialiased;
}

img {
  max-width: 100%;
  height: auto;
  display: block;
}

a {
  color: inherit;
  text-decoration: none;
}

ul {
  margin: 0;
  padding: 0;
  list-style: none;
}

h1,
h2,
h3,
h4 {
  font-family: var(--font-display);
  font-weight: 600;
  line-height: 1.15;
  letter-spacing: 0.02em;
  margin: 0 0 0.75rem;
}

p {
  margin: 0 0 1rem;
}

.container {
  width: min(100% - 2.5rem, var(--max));
  margin-inline: auto;
}

.skip-link {
  position: absolute;
  left: -999px;
  top: 0;
  background: var(--gold);
  color: var(--navy-950);
  padding: 0.75rem 1rem;
  z-index: 1000;
}

.skip-link:focus {
  left: 1rem;
  top: 1rem;
}

/* Header */
.site-header {
  position: fixed;
  inset: 0 0 auto;
  z-index: 100;
  height: var(--header-h);
  display: flex;
  align-items: center;
  background: #021731;
  backdrop-filter: blur(14px);
  border-bottom: 1px solid transparent;
  transition: border-color 0.35s var(--ease), background 0.35s var(--ease);
}

.site-header.is-scrolled {
  border-bottom-color: var(--line);
  background: #021731;
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1.5rem;
  width: min(100% - 2rem, 1200px);
  margin-inline: auto;
}

.brand {
  display: flex;
  align-items: center;
  gap: 0.65rem;
  flex-shrink: 0;
}

.brand img {
  height: 3.25rem;
  width: auto;
  object-fit: contain;
}

.brand-text {
  display: none;
}

.nav-toggle {
  display: none;
  width: 2.75rem;
  height: 2.75rem;
  border: 1px solid var(--line);
  background: transparent;
  cursor: pointer;
  padding: 0;
  place-items: center;
}

.nav-toggle span {
  display: block;
  width: 1.25rem;
  height: 1.5px;
  background: var(--cream);
  position: relative;
}

.nav-toggle span::before,
.nav-toggle span::after {
  content: "";
  position: absolute;
  left: 0;
  width: 100%;
  height: 100%;
  background: inherit;
}

.nav-toggle span::before {
  top: -6px;
}

.nav-toggle span::after {
  top: 6px;
}

.nav {
  display: flex;
  align-items: center;
  gap: 0.2rem 1rem;
  flex-wrap: wrap;
  justify-content: center;
}

.nav a {
  color: var(--cream-muted);
  font-size: 0.72rem;
  font-weight: 500;
  letter-spacing: 0.07em;
  text-transform: uppercase;
  position: relative;
  padding: 0.35rem 0;
  transition: color 0.25s var(--ease);
}

.nav a::after {
  content: "";
  position: absolute;
  left: 0;
  bottom: 0;
  width: 0;
  height: 1px;
  background: var(--gold);
  transition: width 0.35s var(--ease);
}

.nav a:hover,
.nav a.is-active {
  color: var(--cream);
}

.nav a:hover::after,
.nav a.is-active::after {
  width: 100%;
}

.header-actions {
  display: flex;
  align-items: center;
  gap: 0.75rem;
}

/* Buttons */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  min-height: 2.85rem;
  padding: 0.7rem 1.4rem;
  font-family: var(--font-body);
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  border: 1px solid transparent;
  cursor: pointer;
  transition: background 0.3s var(--ease), color 0.3s var(--ease), border-color 0.3s var(--ease), transform 0.3s var(--ease);
}

.btn:hover {
  transform: translateY(-1px);
}

.btn-gold {
  background: var(--gold);
  color: var(--navy-950);
  border-color: var(--gold);
}

.btn-gold:hover {
  background: var(--gold-light);
  border-color: var(--gold-light);
}

.btn-outline {
  background: transparent;
  color: var(--cream);
  border-color: var(--line);
}

.btn-outline:hover {
  border-color: var(--gold);
  color: var(--gold-light);
}

.btn-dark {
  background: var(--navy-900);
  color: var(--cream);
  border-color: var(--navy-900);
}

.btn-dark:hover {
  background: var(--navy-800);
}

.btn-ghost {
  background: transparent;
  color: var(--navy-900);
  border-color: rgba(2, 21, 38, 0.2);
}

.btn-ghost:hover {
  border-color: var(--gold-deep);
  color: var(--gold-deep);
}

/* Hero */
.hero {
  min-height: 100vh;
  min-height: 100dvh;
  display: grid;
  align-items: end;
  padding: calc(var(--header-h) + 3rem) 0 4.5rem;
  position: relative;
  overflow: hidden;
  color: var(--cream);
  background:
    linear-gradient(165deg, rgba(1, 11, 22, 0.82) 0%, rgba(2, 21, 38, 0.72) 45%, rgba(6, 28, 51, 0.78) 100%),
    url("/assets/images/hero-skyline.jpg") center / cover no-repeat;
}

.hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(243, 240, 230, 0.03) 1px, transparent 1px),
    linear-gradient(90deg, rgba(243, 240, 230, 0.03) 1px, transparent 1px);
  background-size: 72px 72px;
  mask-image: linear-gradient(to bottom, black 20%, transparent 90%);
  pointer-events: none;
}

.hero-inner {
  position: relative;
  z-index: 1;
  display: grid;
  gap: 2rem;
  max-width: 40rem;
}

.hero h1 {
  font-size: clamp(2.6rem, 6vw, 4.4rem);
  color: var(--cream);
  font-weight: 500;
  opacity: 0;
  animation: rise 1s var(--ease) 0.2s forwards;
}

.hero-lead {
  font-size: 1.05rem;
  color: var(--cream-muted);
  max-width: 34rem;
  opacity: 0;
  animation: rise 1s var(--ease) 0.35s forwards;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 0.85rem;
  opacity: 0;
  animation: rise 1s var(--ease) 0.5s forwards;
}

.hero-rule {
  width: 0;
  height: 1px;
  background: linear-gradient(90deg, var(--gold), transparent);
  margin: 0.25rem 0 0.5rem;
  animation: draw 1.2s var(--ease) 0.25s forwards;
}

@keyframes rise {
  from {
    opacity: 0;
    transform: translateY(22px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

@keyframes draw {
  to {
    width: 8rem;
  }
}

.page-hero {
  padding: calc(var(--header-h) + 4rem) 0 3.5rem;
  background:
    linear-gradient(160deg, rgba(1, 11, 22, 0.88), rgba(10, 33, 56, 0.82)),
    var(--navy-800);
  background-size: cover;
  background-position: center;
  color: var(--cream);
}

.page-hero.ph-personal {
  background-image:
    linear-gradient(160deg, rgba(1, 11, 22, 0.88), rgba(10, 33, 56, 0.78)),
    url("/assets/images/personal-banking.jpg");
}
.page-hero.ph-business {
  background-image:
    linear-gradient(160deg, rgba(1, 11, 22, 0.88), rgba(10, 33, 56, 0.78)),
    url("/assets/images/business-banking.jpg");
}
.page-hero.ph-wealth {
  background-image:
    linear-gradient(160deg, rgba(1, 11, 22, 0.9), rgba(10, 33, 56, 0.8)),
    url("/assets/images/wealth-private.jpg");
}
.page-hero.ph-loans {
  background-image:
    linear-gradient(160deg, rgba(1, 11, 22, 0.88), rgba(10, 33, 56, 0.78)),
    url("/assets/images/loans-home.jpg");
}
.page-hero.ph-cards {
  background-image:
    linear-gradient(160deg, rgba(1, 11, 22, 0.9), rgba(10, 33, 56, 0.82)),
    url("/assets/images/cards-gold.jpg");
}
.page-hero.ph-about {
  background-image:
    linear-gradient(160deg, rgba(1, 11, 22, 0.88), rgba(10, 33, 56, 0.78)),
    url("/assets/images/about-building.jpg");
}

.page-hero h1 {
  font-size: clamp(2.2rem, 4.5vw, 3.4rem);
  font-weight: 500;
}

.page-hero p {
  color: var(--cream-muted);
  max-width: 36rem;
  margin-bottom: 0;
}

.eyebrow {
  display: inline-block;
  font-size: 0.72rem;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 0.85rem;
  font-weight: 600;
}

/* Sections */
.section {
  padding: 5rem 0;
}

.section-tight {
  padding: 3.5rem 0;
}

.section-dark {
  background: var(--navy-900);
  color: var(--cream);
}

.section-navy {
  background:
    linear-gradient(180deg, var(--navy-950), var(--navy-800));
  color: var(--cream);
}

.section-cream {
  background: var(--cream);
}

.section-soft {
  background: #ebe6d8;
}

.section-head {
  max-width: 36rem;
  margin-bottom: 2.75rem;
}

.section-head h2 {
  font-size: clamp(1.9rem, 3.5vw, 2.75rem);
  font-weight: 500;
}

.section-dark .section-head p,
.section-navy .section-head p {
  color: var(--cream-muted);
}

.section-head p {
  color: var(--muted);
}

.split {
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  gap: 3.5rem;
  align-items: center;
}

.split-reverse {
  grid-template-columns: 0.95fr 1.05fr;
}

.split-copy h2 {
  font-size: clamp(1.85rem, 3vw, 2.5rem);
  font-weight: 500;
}

.gold-rule {
  width: 4rem;
  height: 1px;
  background: var(--gold);
  margin: 1rem 0 1.25rem;
  border: 0;
}

.feature-panel {
  position: relative;
  min-height: 28rem;
  background:
    linear-gradient(145deg, rgba(197, 157, 47, 0.18), transparent 40%),
    linear-gradient(200deg, var(--navy-800), var(--navy-950));
  border: 1px solid var(--line);
  padding: 2.5rem;
  display: flex;
  flex-direction: column;
  justify-content: flex-end;
  overflow: hidden;
}

.feature-panel::after {
  content: "";
  position: absolute;
  width: 18rem;
  height: 18rem;
  border: 1px solid rgba(197, 157, 47, 0.25);
  border-radius: 50%;
  right: -4rem;
  top: -4rem;
  pointer-events: none;
}

.feature-panel h3 {
  font-size: 2rem;
  color: var(--cream);
  position: relative;
  z-index: 1;
}

.feature-panel p {
  color: var(--cream-muted);
  position: relative;
  z-index: 1;
  margin-bottom: 0;
}

/* Photo media panels */
.media-frame {
  position: relative;
  min-height: 28rem;
  overflow: hidden;
  border: 1px solid var(--line);
  background: var(--navy-900);
}

.media-frame img {
  width: 100%;
  height: 100%;
  min-height: 28rem;
  object-fit: cover;
  display: block;
}

.media-frame figcaption {
  position: absolute;
  inset: auto 0 0;
  padding: 2rem 1.75rem 1.75rem;
  background: linear-gradient(transparent, rgba(1, 11, 22, 0.92));
  color: var(--cream);
}

.media-frame figcaption .eyebrow {
  margin-bottom: 0.45rem;
}

.media-frame figcaption h3 {
  font-size: 1.65rem;
  margin: 0 0 0.35rem;
  font-weight: 500;
}

.media-frame figcaption p {
  margin: 0;
  color: var(--cream-muted);
  font-size: 0.95rem;
}

.page-hero-media {
  background-size: cover;
  background-position: center;
}

/* Service grid — interaction tiles, not decorative cards */
.service-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1px;
  background: var(--line);
  border: 1px solid var(--line);
}

.service-link {
  background: var(--navy-900);
  color: var(--cream);
  padding: 2rem 1.75rem;
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
  min-height: 14rem;
  transition: background 0.35s var(--ease);
}

.service-link:hover {
  background: var(--navy-800);
}

.service-link .num {
  font-family: var(--font-display);
  color: var(--gold);
  font-size: 1.1rem;
  letter-spacing: 0.08em;
}

.service-link h3 {
  font-size: 1.55rem;
  font-weight: 500;
  margin: 0;
}

.service-link p {
  color: var(--cream-muted);
  font-size: 0.95rem;
  margin: 0;
  flex: 1;
}

.service-link .more {
  font-size: 0.72rem;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold);
  font-weight: 600;
}

.product-list {
  display: grid;
  gap: 0;
  border-top: 1px solid rgba(2, 21, 38, 0.12);
}

.product-row {
  display: grid;
  grid-template-columns: 8rem 1fr auto;
  gap: 1.5rem;
  align-items: center;
  padding: 1.5rem 0;
  border-bottom: 1px solid rgba(2, 21, 38, 0.12);
}

.product-row .tag {
  font-size: 0.7rem;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold-deep);
  font-weight: 700;
}

.product-row h3 {
  font-size: 1.35rem;
  margin: 0 0 0.35rem;
  font-weight: 500;
}

.product-row p {
  margin: 0;
  color: var(--muted);
  font-size: 0.95rem;
}

/* Rates strip */
.rates {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 2rem;
}

.rate-item {
  border-left: 1px solid var(--line);
  padding-left: 1.25rem;
}

.rate-item .label {
  font-size: 0.72rem;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--cream-muted);
  margin-bottom: 0.5rem;
}

.rate-item .value {
  font-family: var(--font-display);
  font-size: 2.4rem;
  color: var(--gold);
  line-height: 1;
}

.rate-item .note {
  font-size: 0.85rem;
  color: var(--cream-muted);
  margin-top: 0.4rem;
}

/* CTA band */
.cta-band {
  display: grid;
  grid-template-columns: 1.4fr auto;
  gap: 2rem;
  align-items: center;
  padding: 3rem 0;
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
}

.cta-band h2 {
  font-size: clamp(1.8rem, 3vw, 2.4rem);
  font-weight: 500;
  margin: 0 0 0.5rem;
}

.cta-band p {
  margin: 0;
  color: var(--cream-muted);
}

.cta-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem;
}

/* Forms */
.form-shell {
  max-width: 32rem;
  margin: 0 auto;
}

.form-grid {
  display: grid;
  gap: 1.15rem;
}

.form-row-2 {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
}

label {
  display: grid;
  gap: 0.4rem;
  font-size: 0.78rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  font-weight: 600;
  color: var(--navy-800);
}

input,
select,
textarea {
  width: 100%;
  min-height: 2.85rem;
  padding: 0.7rem 0.9rem;
  border: 1px solid rgba(2, 21, 38, 0.18);
  background: var(--white);
  font-family: var(--font-body);
  font-size: 1rem;
  color: var(--ink);
  letter-spacing: normal;
  text-transform: none;
  font-weight: 400;
  transition: border-color 0.25s var(--ease);
}

textarea {
  min-height: 8rem;
  resize: vertical;
}

input:focus,
select:focus,
textarea:focus {
  outline: none;
  border-color: var(--gold);
}

.form-note {
  font-size: 0.9rem;
  color: var(--muted);
  text-transform: none;
  letter-spacing: normal;
  font-weight: 400;
}

.form-panel {
  background: var(--white);
  border: 1px solid rgba(2, 21, 38, 0.1);
  padding: 2.25rem;
  box-shadow: var(--shadow);
}

.login-wrap {
  min-height: calc(100vh - var(--header-h));
  display: grid;
  place-items: center;
  padding: calc(var(--header-h) + 2rem) 1.25rem 3rem;
  background:
    radial-gradient(ellipse 50% 40% at 50% 0%, rgba(197, 157, 47, 0.12), transparent 55%),
    var(--navy-950);
}

.login-wrap .form-panel {
  width: min(100%, 26rem);
  background: #f8f5ec;
}

.login-wrap .brand-mark {
  text-align: center;
  margin-bottom: 1.5rem;
}

.login-wrap .brand-mark img {
  height: 4.5rem;
  margin-inline: auto;
}

.checkbox {
  display: flex;
  align-items: center;
  gap: 0.6rem;
  text-transform: none;
  letter-spacing: normal;
  font-size: 0.9rem;
  font-weight: 500;
  color: var(--muted);
}

.checkbox input {
  width: auto;
  min-height: auto;
}

/* Contact */
.contact-grid {
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  gap: 3rem;
}

.contact-details {
  display: grid;
  gap: 1.75rem;
}

.contact-details h3 {
  font-size: 1.25rem;
  margin-bottom: 0.35rem;
}

.contact-details p,
.contact-details a {
  color: var(--muted);
}

.contact-details a:hover {
  color: var(--gold-deep);
}

/* Trust / checklist */
.check-list {
  display: grid;
  gap: 0.85rem;
  margin: 1.5rem 0;
}

.check-list li {
  padding-left: 1.5rem;
  position: relative;
  color: var(--muted);
}

.check-list li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 0.55rem;
  width: 0.55rem;
  height: 0.55rem;
  border: 1px solid var(--gold-deep);
  transform: rotate(45deg);
}

.section-dark .check-list li,
.section-navy .check-list li {
  color: var(--cream-muted);
}

.section-dark .check-list li::before,
.section-navy .check-list li::before {
  border-color: var(--gold);
}

/* Footer */
.site-footer {
  background: var(--navy-950);
  color: var(--cream-muted);
  padding: 4rem 0 2rem;
  border-top: 1px solid var(--line);
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.3fr repeat(3, 1fr);
  gap: 2.5rem;
  margin-bottom: 3rem;
}

.footer-brand img {
  height: 4rem;
  margin-bottom: 1rem;
}

.footer-brand p {
  max-width: 18rem;
  font-size: 0.95rem;
}

.footer-col h4 {
  color: var(--cream);
  font-size: 1.05rem;
  margin-bottom: 1rem;
  font-weight: 500;
}

.footer-col a {
  display: block;
  padding: 0.3rem 0;
  font-size: 0.92rem;
  transition: color 0.25s var(--ease);
}

.footer-col a:hover {
  color: var(--gold);
}

.footer-bottom {
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  gap: 1rem;
  padding-top: 1.5rem;
  border-top: 1px solid var(--line-soft);
  font-size: 0.85rem;
}

.legal-links {
  display: flex;
  flex-wrap: wrap;
  gap: 1.25rem;
}

/* Reveal on scroll */
.reveal {
  opacity: 0;
  transform: translateY(28px);
  transition: opacity 0.8s var(--ease), transform 0.8s var(--ease);
}

.reveal.is-visible {
  opacity: 1;
  transform: translateY(0);
}

/* Utility */
.text-center {
  text-align: center;
}

.mt-2 {
  margin-top: 2rem;
}

.mb-0 {
  margin-bottom: 0;
}

.prose {
  max-width: 42rem;
}

.prose h2 {
  font-size: 1.75rem;
  margin-top: 2rem;
}

.prose h3 {
  font-size: 1.25rem;
  margin-top: 1.5rem;
}

.prose p,
.prose li {
  color: var(--muted);
}

.prose ul {
  list-style: disc;
  padding-left: 1.25rem;
  margin-bottom: 1rem;
}

.prose li {
  margin-bottom: 0.4rem;
}

.alert {
  padding: 0.9rem 1rem;
  border: 1px solid var(--line);
  background: rgba(197, 157, 47, 0.08);
  color: var(--navy-800);
  font-size: 0.92rem;
  margin-bottom: 1rem;
  display: none;
}

.alert.is-show {
  display: block;
}

/* Trust strip */
.trust-strip {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.5rem;
  padding: 1.75rem 0;
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
}

.trust-item strong {
  display: block;
  font-family: var(--font-display);
  font-size: 1.15rem;
  font-weight: 500;
  color: var(--cream);
  margin-bottom: 0.25rem;
}

.trust-item span {
  font-size: 0.85rem;
  color: var(--cream-muted);
}

.trust-strip-light {
  border-color: rgba(2, 21, 38, 0.12);
}

.trust-strip-light .trust-item strong {
  color: var(--navy-900);
}

.trust-strip-light .trust-item span {
  color: var(--muted);
}

/* Steps */
.steps {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.5rem;
  counter-reset: step;
}

.step {
  position: relative;
  padding-top: 2.5rem;
}

.step::before {
  counter-increment: step;
  content: "0" counter(step);
  position: absolute;
  top: 0;
  left: 0;
  font-family: var(--font-display);
  color: var(--gold);
  font-size: 1.1rem;
  letter-spacing: 0.08em;
}

.step h3 {
  font-size: 1.25rem;
  margin-bottom: 0.4rem;
}

.step p {
  color: var(--muted);
  font-size: 0.95rem;
  margin: 0;
}

.section-dark .step p,
.section-navy .step p {
  color: var(--cream-muted);
}

/* Compare table */
.table-wrap {
  overflow-x: auto;
  border: 1px solid rgba(2, 21, 38, 0.12);
  background: var(--white);
}

.compare-table {
  width: 100%;
  border-collapse: collapse;
  min-width: 640px;
  font-size: 0.92rem;
}

.compare-table th,
.compare-table td {
  padding: 1rem 1.15rem;
  text-align: left;
  border-bottom: 1px solid rgba(2, 21, 38, 0.1);
  vertical-align: top;
}

.compare-table th {
  background: var(--navy-900);
  color: var(--cream);
  font-family: var(--font-display);
  font-size: 1.1rem;
  font-weight: 500;
}

.compare-table th small {
  display: block;
  font-family: var(--font-body);
  font-size: 0.72rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 0.35rem;
}

.compare-table tr:last-child td {
  border-bottom: 0;
}

.compare-table td:first-child {
  font-weight: 600;
  color: var(--navy-900);
  width: 28%;
}

.compare-table .yes {
  color: var(--gold-deep);
  font-weight: 600;
}

/* Feature matrix */
.matrix {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1px;
  background: rgba(2, 21, 38, 0.1);
  border: 1px solid rgba(2, 21, 38, 0.1);
}

.matrix-item {
  background: var(--cream);
  padding: 1.5rem 1.35rem;
}

.matrix-item h3 {
  font-size: 1.2rem;
  margin-bottom: 0.4rem;
}

.matrix-item p {
  margin: 0;
  color: var(--muted);
  font-size: 0.95rem;
}

.matrix-dark {
  background: var(--line);
  border-color: var(--line);
}

.matrix-dark .matrix-item {
  background: var(--navy-900);
}

.matrix-dark .matrix-item h3 {
  color: var(--cream);
}

.matrix-dark .matrix-item p {
  color: var(--cream-muted);
}

/* FAQ */
.faq {
  display: grid;
  gap: 0.65rem;
}

.faq details {
  border: 1px solid rgba(2, 21, 38, 0.12);
  background: var(--white);
  padding: 0;
}

.faq summary {
  cursor: pointer;
  list-style: none;
  padding: 1.1rem 1.25rem;
  font-weight: 600;
  color: var(--navy-900);
  position: relative;
  padding-right: 2.5rem;
}

.faq summary::-webkit-details-marker {
  display: none;
}

.faq summary::after {
  content: "+";
  position: absolute;
  right: 1.15rem;
  top: 50%;
  transform: translateY(-50%);
  color: var(--gold-deep);
  font-size: 1.25rem;
  font-weight: 400;
}

.faq details[open] summary::after {
  content: "–";
}

.faq details p {
  margin: 0;
  padding: 0 1.25rem 1.2rem;
  color: var(--muted);
}

.faq-dark details {
  background: var(--navy-900);
  border-color: var(--line);
}

.faq-dark summary {
  color: var(--cream);
}

.faq-dark details p {
  color: var(--cream-muted);
}

/* Stat row */
.stat-row {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
}

.stat-row .value {
  font-family: var(--font-display);
  font-size: clamp(2rem, 4vw, 3rem);
  color: var(--gold);
  line-height: 1;
  margin-bottom: 0.4rem;
}

.stat-row .label {
  color: var(--cream-muted);
  font-size: 0.95rem;
}

/* Disclosure */
.disclosure {
  font-size: 0.8rem;
  color: var(--muted);
  line-height: 1.55;
  margin-top: 2rem;
  padding-top: 1.25rem;
  border-top: 1px solid rgba(2, 21, 38, 0.1);
}

.section-dark .disclosure,
.section-navy .disclosure {
  color: var(--cream-muted);
  border-top-color: var(--line-soft);
}

.pill-nav {
  display: flex;
  flex-wrap: wrap;
  gap: 0.65rem;
  margin-bottom: 2rem;
}

.pill-nav a {
  padding: 0.55rem 0.95rem;
  border: 1px solid rgba(2, 21, 38, 0.15);
  font-size: 0.75rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  font-weight: 600;
  color: var(--navy-800);
  transition: border-color 0.25s var(--ease), color 0.25s var(--ease);
}

.pill-nav a:hover,
.pill-nav a.is-active {
  border-color: var(--gold-deep);
  color: var(--gold-deep);
}

.two-col-list {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0.75rem 2rem;
}

.icon-list li {
  padding: 0.85rem 0;
  border-bottom: 1px solid rgba(2, 21, 38, 0.1);
  display: grid;
  gap: 0.2rem;
}

.icon-list strong {
  color: var(--navy-900);
  font-size: 0.95rem;
}

.icon-list span {
  color: var(--muted);
  font-size: 0.92rem;
}

.section-dark .icon-list li,
.section-navy .icon-list li {
  border-bottom-color: var(--line-soft);
}

.section-dark .icon-list strong,
.section-navy .icon-list strong {
  color: var(--cream);
}

.section-dark .icon-list span,
.section-navy .icon-list span {
  color: var(--cream-muted);
}

.login-security {
  max-width: 26rem;
  margin: 1.5rem auto 0;
  color: var(--cream-muted);
  font-size: 0.85rem;
  text-align: center;
}

.login-security a {
  color: var(--gold);
}

/* Responsive */
@media (max-width: 1100px) {
  .split,
  .split-reverse,
  .contact-grid,
  .cta-band,
  .footer-grid {
    grid-template-columns: 1fr;
  }

  .service-grid {
    grid-template-columns: 1fr;
  }

  .rates {
    grid-template-columns: 1fr 1fr;
  }

  .product-row {
    grid-template-columns: 1fr;
    gap: 0.5rem;
  }

  .nav-toggle {
    display: grid;
  }

  .nav {
    position: fixed;
    inset: var(--header-h) 0 auto;
    background: #021731;
    flex-direction: column;
    align-items: stretch;
    padding: 1.25rem 1.5rem 1.75rem;
    gap: 0;
    border-bottom: 1px solid var(--line);
    transform: translateY(-120%);
    opacity: 0;
    pointer-events: none;
    transition: transform 0.4s var(--ease), opacity 0.4s var(--ease);
  }

  .nav.is-open {
    transform: translateY(0);
    opacity: 1;
    pointer-events: auto;
  }

  .nav a {
    padding: 0.85rem 0;
    border-bottom: 1px solid var(--line-soft);
    font-size: 0.82rem;
  }

  .header-actions .btn-outline {
    display: none;
  }

  .trust-strip,
  .steps,
  .stat-row,
  .matrix,
  .two-col-list {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 600px) {
  .rates {
    grid-template-columns: 1fr;
  }

  .form-row-2 {
    grid-template-columns: 1fr;
  }

  .hero {
    align-items: center;
    padding-bottom: 3rem;
  }

  .brand img {
    height: 2.75rem;
  }

  .trust-strip {
    grid-template-columns: 1fr 1fr;
  }
}