/* ============================================================
   FinLex EU — Premium Design System
   Shared across CZ / HU / PL with per-geo accent tokens.
   ============================================================ */

:root {
  /* Default (CZ) — warm gold on deep dark */
  --bg: #050302;
  --bg2: #0c0805;
  --bg3: #14100a;
  --card: rgba(34, 27, 18, 0.78);
  --card2: rgba(22, 17, 11, 0.84);
  --border: rgba(232, 213, 160, 0.14);
  --border-strong: rgba(232, 213, 160, 0.30);
  --txt: #f7f4ee;
  --muted: #a8a09a;
  --muted-bright: #d2cbc1;

  --accent1: #f0deaf;
  --accent2: #c5a059;
  --accent3: #8a6d3b;

  --grad: linear-gradient(135deg, var(--accent1) 0%, var(--accent2) 48%, var(--accent3) 100%);
  --grad-btn: linear-gradient(98deg, #f5e7c2 0%, #d4b76a 40%, var(--accent2) 70%, var(--accent3) 100%);
  --grad-text: linear-gradient(110deg, #f8eecc 0%, var(--accent1) 35%, var(--accent2) 70%, var(--accent3) 100%);

  --mesh-1: rgba(232, 213, 160, 0.04);
  --mesh-2: rgba(197, 160, 89, 0.03);
  --mesh-3: rgba(138, 109, 59, 0.025);

  --glow: rgba(197, 160, 89, 0.10);
  --focus: 0 0 0 3px rgba(197, 160, 89, 0.45);

  --radius: 22px;
  --radius-sm: 14px;
  --radius-md: 18px;
  --radius-lg: 28px;
  --radius-pill: 999px;

  --font: "Inter", system-ui, -apple-system, "Segoe UI", sans-serif;
  --font-display: "Manrope", "Inter", system-ui, sans-serif;

  --ease: cubic-bezier(0.34, 1.45, 0.64, 1);
  --ease-out: cubic-bezier(0.16, 1, 0.3, 1);

  --shadow-1: 0 1px 0 rgba(255, 255, 255, 0.04) inset,
              0 8px 24px rgba(0, 0, 0, 0.36),
              0 24px 60px rgba(0, 0, 0, 0.22);
  --shadow-accent: 0 1px 0 rgba(255, 255, 255, 0.06) inset,
                   0 12px 30px color-mix(in srgb, var(--accent2) 18%, transparent),
                   0 30px 80px color-mix(in srgb, var(--accent2) 10%, transparent);
}

[data-country="hu"] {
  --bg: #030806;
  --bg2: #050d0a;
  --bg3: #08130d;
  --card: rgba(18, 36, 28, 0.78);
  --card2: rgba(10, 22, 16, 0.84);
  --border: rgba(110, 231, 183, 0.14);
  --border-strong: rgba(110, 231, 183, 0.30);

  --accent1: #a7f3d0;
  --accent2: #10b981;
  --accent3: #047857;

  --grad: linear-gradient(135deg, #d1fae5 0%, var(--accent2) 50%, var(--accent3) 100%);
  --grad-btn: linear-gradient(98deg, #d1fae5 0%, #34d399 35%, var(--accent2) 70%, #065f46 100%);
  --grad-text: linear-gradient(110deg, #ecfdf5 0%, var(--accent1) 35%, var(--accent2) 75%, #064e3b 100%);

  --mesh-1: rgba(110, 231, 183, 0.04);
  --mesh-2: rgba(16, 185, 129, 0.03);
  --mesh-3: rgba(4, 120, 87, 0.025);

  --glow: rgba(16, 185, 129, 0.10);
  --focus: 0 0 0 3px rgba(52, 211, 153, 0.46);
}

[data-country="pl"] {
  --bg: #040305;
  --bg2: #0a0610;
  --bg3: #100b18;
  --card: rgba(34, 26, 38, 0.78);
  --card2: rgba(16, 12, 18, 0.84);
  --border: rgba(252, 165, 165, 0.14);
  --border-strong: rgba(252, 165, 165, 0.30);

  --accent1: #fecaca;
  --accent2: #dc2626;
  --accent3: #991b1b;

  --grad: linear-gradient(135deg, #fee2e2 0%, var(--accent2) 50%, var(--accent3) 100%);
  --grad-btn: linear-gradient(98deg, #fee2e2 0%, #f87171 35%, var(--accent2) 70%, #7f1d1d 100%);
  --grad-text: linear-gradient(110deg, #fff1f1 0%, #fecaca 35%, var(--accent2) 75%, #7f1d1d 100%);

  --mesh-1: rgba(252, 165, 165, 0.04);
  --mesh-2: rgba(220, 38, 38, 0.03);
  --mesh-3: rgba(153, 27, 27, 0.025);

  --glow: rgba(220, 38, 38, 0.10);
  --focus: 0 0 0 3px rgba(248, 113, 113, 0.46);
}

/* ============================================================
   RESET
   ============================================================ */

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

html {
  scroll-behavior: smooth;
  overflow-x: hidden;
  -webkit-text-size-adjust: 100%;
}

body {
  font-family: var(--font);
  background: var(--bg);
  color: var(--txt);
  line-height: 1.65;
  overflow-x: hidden;
  min-height: 100dvh;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
  filter: hue-rotate(1deg);
}

a { color: inherit; text-decoration: none; }
button { font: inherit; color: inherit; background: none; border: none; cursor: pointer; }
img, svg { display: block; max-width: 100%; }
::selection { background: color-mix(in srgb, var(--accent2) 38%, transparent); color: #fff; }

/* ============================================================
   BACKGROUND — mesh + dot-grid + vignette + grain
   ============================================================ */

.mesh-bg {
  position: fixed;
  inset: 0;
  z-index: 0;
  pointer-events: none;
  overflow: hidden;
}

.mesh-bg::before,
.mesh-bg::after {
  content: "";
  position: absolute;
  inset: -25%;
  background:
    radial-gradient(ellipse 55% 42% at 16% 10%, var(--mesh-1), transparent 62%),
    radial-gradient(ellipse 48% 36% at 84% 16%, var(--mesh-2), transparent 62%),
    radial-gradient(ellipse 62% 46% at 50% 92%, var(--mesh-3), transparent 60%),
    radial-gradient(ellipse 42% 32% at 8% 68%, color-mix(in srgb, var(--accent3) 30%, transparent), transparent 55%),
    radial-gradient(ellipse 38% 28% at 92% 78%, color-mix(in srgb, var(--accent1) 18%, transparent), transparent 55%),
    radial-gradient(ellipse 30% 24% at 30% 50%, color-mix(in srgb, var(--accent2) 12%, transparent), transparent 60%);
  filter: blur(44px) saturate(130%);
  animation: meshDrift 34s ease-in-out infinite alternate;
}

.mesh-bg::after {
  animation-duration: 52s;
  animation-direction: alternate-reverse;
  opacity: 0.78;
  mix-blend-mode: screen;
  background:
    radial-gradient(ellipse 70% 55% at 100% 0%, color-mix(in srgb, var(--accent2) 22%, transparent), transparent 60%),
    radial-gradient(ellipse 60% 50% at 0% 100%, color-mix(in srgb, var(--accent3) 28%, transparent), transparent 60%),
    conic-gradient(from 220deg at 50% 50%,
      color-mix(in srgb, var(--accent3) 14%, transparent),
      transparent 30%,
      color-mix(in srgb, var(--accent1) 10%, transparent),
      transparent 70%,
      color-mix(in srgb, var(--accent2) 12%, transparent));
}

@keyframes meshDrift {
  0%   { transform: translate3d(0, 0, 0) scale(1); }
  50%  { transform: translate3d(2%, -1.5%, 0) scale(1.06); }
  100% { transform: translate3d(-2%, 1.5%, 0) scale(1.02); }
}

.bg-grid { display: none !important; }

.bg-vignette {
  position: fixed;
  inset: 0;
  z-index: 0;
  pointer-events: none;
  background:
    radial-gradient(ellipse 90% 70% at 50% 40%, transparent 30%, rgba(0, 0, 0, 0.78) 86%, rgba(0, 0, 0, 0.92) 100%);
}

.grain-overlay { display: none !important; }

/* Subtle 1px gradient divider line between adjacent sections */
section + section::before,
.trust-band + section::before,
section + .trust-band::before {
  content: "";
  position: absolute;
  top: 0;
  left: 50%;
  transform: translateX(-50%);
  width: min(640px, 78%);
  height: 1px;
  background: linear-gradient(90deg,
    transparent,
    rgba(255, 255, 255, 0.06) 20%,
    rgba(255, 255, 255, 0.12) 50%,
    rgba(255, 255, 255, 0.06) 80%,
    transparent);
  opacity: 0.32;
  z-index: 2;
}

/* ============================================================
   LAYOUT
   ============================================================ */

.w {
  max-width: 1180px;
  margin: 0 auto;
  padding: 0 clamp(18px, 4vw, 32px);
  position: relative;
  z-index: 2;
}

section {
  padding: clamp(72px, 10vw, 128px) 0;
  position: relative;
  z-index: 2;
}

/* ============================================================
   TYPOGRAPHY
   ============================================================ */

h1, h2, h3 {
  font-family: var(--font-display);
  font-weight: 800;
  letter-spacing: -0.02em;
  line-height: 1.1;
}

h1 {
  font-size: clamp(2.4rem, 5.6vw, 4.4rem);
  font-weight: 900;
  letter-spacing: -0.035em;
  line-height: 1.05;
  margin-bottom: 22px;
}

h1 em {
  font-style: normal;
  background: var(--grad-text);
  -webkit-background-clip: text;
  background-clip: text;
  -webkit-text-fill-color: transparent;
  filter: drop-shadow(0 4px 20px color-mix(in srgb, var(--accent2) 18%, transparent));
  display: inline;
}

h2 {
  font-size: clamp(1.8rem, 3.6vw, 2.9rem);
  font-weight: 800;
  letter-spacing: -0.028em;
  line-height: 1.12;
}

h3 { font-size: 1.08rem; letter-spacing: -0.015em; }

p { font-size: 0.98rem; }

/* ============================================================
   NAV
   ============================================================ */

nav {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 100;
  background: rgba(8, 6, 4, 0.30);
  backdrop-filter: blur(10px) saturate(150%);
  -webkit-backdrop-filter: blur(10px) saturate(150%);
  border-bottom: 1px solid transparent;
  transition: background 0.3s ease, border-color 0.3s ease, backdrop-filter 0.3s ease, padding 0.3s ease;
}

nav.scrolled {
  background: rgba(6, 5, 4, 0.78);
  backdrop-filter: blur(22px) saturate(180%);
  -webkit-backdrop-filter: blur(22px) saturate(180%);
  border-bottom-color: var(--border);
  box-shadow: 0 10px 32px rgba(0, 0, 0, 0.22);
}

.nav-inner {
  max-width: 1180px;
  margin: 0 auto;
  padding: 16px clamp(18px, 4vw, 32px);
  display: flex;
  align-items: center;
  gap: 18px;
  flex-wrap: wrap;
}

.logo { display: flex; align-items: center; gap: 12px; }
.logo-icon {
  width: 40px;
  height: auto;
  flex-shrink: 0;
  display: block;
  background: none;
  border: 0;
  padding: 0;
  border-radius: 0;
  filter: drop-shadow(0 2px 10px rgba(0, 0, 0, 0.4));
}
.logo-footer .logo-icon { width: 32px; opacity: 0.94; }
.logo-footer { margin-bottom: 14px; }

.logo-text { display: flex; flex-direction: column; gap: 2px; line-height: 1; }
.logo-name {
  font-family: var(--font-display);
  font-weight: 900;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  font-size: 0.98rem;
  color: var(--txt);
}
.logo-name span {
  background: var(--grad-text);
  -webkit-background-clip: text;
  background-clip: text;
  -webkit-text-fill-color: transparent;
}
.logo-sub {
  font-size: 0.66rem;
  color: var(--muted);
  letter-spacing: 0.16em;
  text-transform: uppercase;
  font-weight: 600;
}

.nav-toggle {
  display: none;
  margin-left: auto;
  width: 42px;
  height: 42px;
  border: 1px solid var(--border);
  border-radius: 12px;
  background: rgba(255, 255, 255, 0.04);
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 5px;
  padding: 0;
}
.nav-toggle span {
  display: block;
  width: 18px;
  height: 2px;
  border-radius: 2px;
  background: var(--muted-bright);
  transition: transform 0.22s, opacity 0.22s;
}
.nav-toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.nav-toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

.nav-links { display: flex; gap: 4px; flex-wrap: wrap; margin-left: auto; }
.nav-links a {
  padding: 9px 15px;
  border-radius: var(--radius-pill);
  color: var(--muted-bright);
  font-size: 0.88rem;
  font-weight: 600;
  transition: color 0.2s, background 0.2s;
}
.nav-links a:hover { color: var(--txt); background: rgba(255, 255, 255, 0.05); }

.country-switch {
  display: flex;
  gap: 4px;
  padding: 4px;
  border-radius: var(--radius-pill);
  border: 1px solid var(--border);
  background: rgba(255, 255, 255, 0.03);
}
.country-switch a {
  padding: 6px 12px;
  border-radius: var(--radius-pill);
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  color: var(--muted);
  transition: 0.2s var(--ease);
}
.country-switch a:hover { color: var(--txt); }
.country-switch a.active {
  background: var(--grad-btn);
  color: #1a1510;
  box-shadow: 0 4px 14px color-mix(in srgb, var(--accent2) 28%, transparent);
}

/* ============================================================
   BUTTONS
   ============================================================ */

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 14px 24px;
  border: none;
  border-radius: var(--radius-pill);
  font-family: var(--font-display);
  font-weight: 800;
  font-size: 0.94rem;
  letter-spacing: 0.005em;
  cursor: pointer;
  position: relative;
  background: var(--grad-btn);
  color: #1a1510;
  box-shadow:
    inset 0 1px 0 rgba(255, 255, 255, 0.36),
    0 8px 24px color-mix(in srgb, var(--accent2) 30%, transparent),
    0 24px 60px color-mix(in srgb, var(--accent2) 14%, transparent);
  transition: transform 0.24s var(--ease), box-shadow 0.24s, filter 0.24s;
  isolation: isolate;
}

.btn::before {
  content: "";
  position: absolute;
  inset: 1px;
  border-radius: inherit;
  background: linear-gradient(180deg, rgba(255, 255, 255, 0.16), transparent 40%);
  pointer-events: none;
  z-index: -1;
}

.btn:hover {
  transform: translateY(-2px);
  box-shadow:
    inset 0 1px 0 rgba(255, 255, 255, 0.42),
    0 14px 32px color-mix(in srgb, var(--accent2) 36%, transparent),
    0 32px 80px color-mix(in srgb, var(--accent2) 18%, transparent);
  filter: brightness(1.05);
}
.btn:active { transform: translateY(0) scale(0.98); filter: none; }
.btn:focus-visible { outline: none; box-shadow: var(--focus), 0 8px 24px color-mix(in srgb, var(--accent2) 30%, transparent); }
.btn:disabled { opacity: 0.65; cursor: not-allowed; transform: none; }

.btn-ghost {
  background: rgba(255, 255, 255, 0.04);
  color: var(--muted-bright);
  border: 1px solid var(--border);
  box-shadow: none;
}
.btn-ghost::before { display: none; }
.btn-ghost:hover {
  border-color: var(--border-strong);
  color: var(--txt);
  background: rgba(255, 255, 255, 0.07);
  box-shadow: 0 6px 18px rgba(0, 0, 0, 0.18);
}

/* ============================================================
   HERO
   ============================================================ */

.hero {
  padding-top: 140px;
  padding-bottom: clamp(56px, 7vw, 96px);
  position: relative;
  overflow: hidden;
}

.hero-deco {
  position: absolute;
  inset: 0;
  pointer-events: none;
  z-index: 1;
  overflow: hidden;
}

.hero-deco-glow {
  position: absolute;
  width: 56vw;
  height: 56vw;
  max-width: 720px;
  max-height: 720px;
  right: -10%;
  top: 8%;
  background: radial-gradient(circle, color-mix(in srgb, var(--accent2) 12%, transparent) 0%, transparent 64%);
  filter: blur(28px);
  animation: heroGlow 14s ease-in-out infinite alternate;
}

@keyframes heroGlow {
  0%   { transform: translate3d(0, 0, 0) scale(1); opacity: 0.55; }
  100% { transform: translate3d(-3%, 4%, 0) scale(1.08); opacity: 0.72; }
}

.float-shape {
  position: absolute;
  border-radius: 40%;
  filter: blur(12px);
  opacity: 0.32;
  will-change: transform;
}

.float-shape.s1 {
  width: 220px; height: 220px;
  top: 18%; left: 38%;
  background: radial-gradient(circle at 30% 30%, color-mix(in srgb, var(--accent1) 50%, transparent), transparent 70%);
  animation: floatA 22s ease-in-out infinite alternate;
}
.float-shape.s2 {
  width: 160px; height: 160px;
  top: 62%; right: 14%;
  background: radial-gradient(circle at 60% 40%, color-mix(in srgb, var(--accent2) 50%, transparent), transparent 70%);
  animation: floatB 28s ease-in-out infinite alternate;
}
.float-shape.s3 {
  width: 120px; height: 120px;
  top: 78%; left: 6%;
  background: radial-gradient(circle, color-mix(in srgb, var(--accent3) 60%, transparent), transparent 70%);
  animation: floatC 26s ease-in-out infinite alternate-reverse;
}

@keyframes floatA { 0%{transform:translate(0,0)} 100%{transform:translate(40px,-30px)} }
@keyframes floatB { 0%{transform:translate(0,0)} 100%{transform:translate(-30px,40px)} }
@keyframes floatC { 0%{transform:translate(0,0)} 100%{transform:translate(50px,-20px)} }

.hero-grid {
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  gap: 48px;
  align-items: start;
  position: relative;
  z-index: 2;
}

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 8px 16px;
  border-radius: var(--radius-pill);
  border: 1px solid var(--border-strong);
  background: rgba(255, 255, 255, 0.04);
  backdrop-filter: blur(6px);
  color: var(--muted-bright);
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  margin-bottom: 22px;
}

.eyebrow-dot {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: var(--accent2);
  box-shadow: 0 0 0 3px color-mix(in srgb, var(--accent2) 22%, transparent),
              0 0 14px color-mix(in srgb, var(--accent2) 55%, transparent);
  animation: pulse 2.6s ease-in-out infinite;
}

@keyframes pulse {
  0%, 100% { opacity: 1; box-shadow: 0 0 0 3px color-mix(in srgb, var(--accent2) 22%, transparent), 0 0 14px color-mix(in srgb, var(--accent2) 55%, transparent); }
  50%      { opacity: 0.55; box-shadow: 0 0 0 5px color-mix(in srgb, var(--accent2) 10%, transparent), 0 0 18px color-mix(in srgb, var(--accent2) 35%, transparent); }
}

.hero-lead {
  color: var(--muted-bright);
  font-size: clamp(1.02rem, 1.6vw, 1.14rem);
  max-width: 54ch;
  margin-bottom: 22px;
  line-height: 1.65;
}

.hero-trust {
  display: flex;
  flex-wrap: wrap;
  gap: 8px 18px;
  margin-bottom: 24px;
  font-size: 0.82rem;
  color: var(--muted-bright);
}
.hero-trust span { display: inline-flex; align-items: center; gap: 8px; }
.hero-trust span::before {
  content: "";
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--accent2);
  box-shadow: 0 0 8px color-mix(in srgb, var(--accent2) 60%, transparent);
}

.hero-kpis { display: flex; flex-wrap: wrap; gap: 10px; margin-bottom: 28px; }
.hero-kpis span {
  padding: 9px 16px;
  border-radius: var(--radius-pill);
  border: 1px solid var(--border);
  background: rgba(255, 255, 255, 0.04);
  font-size: 0.82rem;
  color: var(--muted-bright);
  font-weight: 500;
  backdrop-filter: blur(8px);
}

.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; }

/* Hero side-decoration with bank chips that gently drift */
.hero-orbit {
  position: absolute;
  inset: 0;
  pointer-events: none;
  z-index: 1;
}
.hero-orbit .bank-mark {
  position: absolute;
  opacity: 0.92;
}
.hero-orbit .bank-mark.b1 { top: 8%;  right: 7%;  animation: floatA 18s ease-in-out infinite alternate; }
.hero-orbit .bank-mark.b2 { top: 36%; right: 1%;  animation: floatB 22s ease-in-out infinite alternate; }
.hero-orbit .bank-mark.b3 { bottom: 7%; right: 16%; animation: floatC 26s ease-in-out infinite alternate-reverse; }

/* ============================================================
   FORM CARD (glass)
   ============================================================ */

.form-card {
  position: relative;
  background: linear-gradient(165deg, rgba(28, 22, 16, 0.78), rgba(10, 8, 5, 0.78));
  border: 1px solid var(--border-strong);
  border-radius: var(--radius-lg);
  padding: clamp(20px, 3vw, 28px);
  backdrop-filter: blur(24px) saturate(160%);
  -webkit-backdrop-filter: blur(24px) saturate(160%);
  box-shadow:
    inset 0 1px 0 rgba(255, 255, 255, 0.06),
    0 1px 0 rgba(255, 255, 255, 0.04),
    0 24px 60px rgba(0, 0, 0, 0.42),
    0 60px 120px color-mix(in srgb, var(--accent2) 10%, transparent);
  isolation: isolate;
}

.form-card::before {
  content: "";
  position: absolute;
  inset: -1px;
  border-radius: inherit;
  background: linear-gradient(135deg, color-mix(in srgb, var(--accent1) 35%, transparent), transparent 35%, transparent 65%, color-mix(in srgb, var(--accent3) 28%, transparent));
  z-index: -1;
  opacity: 0.5;
  -webkit-mask:
    linear-gradient(#000 0 0) content-box,
    linear-gradient(#000 0 0);
  -webkit-mask-composite: xor;
          mask-composite: exclude;
  padding: 1px;
}

.form-card h2 {
  font-size: 1.4rem;
  margin-bottom: 6px;
  letter-spacing: -0.02em;
}
.form-card .sub { color: var(--muted); font-size: 0.9rem; margin-bottom: 22px; }

.step-bar { display: flex; gap: 6px; margin-bottom: 24px; }
.step-dot {
  flex: 1;
  height: 5px;
  border-radius: 99px;
  background: rgba(255, 255, 255, 0.08);
  transition: background 0.3s ease;
}
.step-dot.on { background: var(--grad); box-shadow: 0 0 12px color-mix(in srgb, var(--accent2) 40%, transparent); }

.form-step { display: none; animation: fadeUp 0.4s var(--ease-out); }
.form-step.active { display: block; }

@keyframes fadeUp {
  from { opacity: 0; transform: translateY(10px); }
  to   { opacity: 1; transform: none; }
}

label {
  display: block;
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--muted-bright);
  margin-bottom: 8px;
  letter-spacing: 0.01em;
}

input, select, textarea {
  width: 100%;
  padding: 14px 16px;
  border-radius: var(--radius-sm);
  border: 1px solid rgba(255, 255, 255, 0.1);
  background: rgba(0, 0, 0, 0.32);
  color: var(--txt);
  font: inherit;
  font-size: 0.94rem;
  margin-bottom: 14px;
  transition: border-color 0.2s, box-shadow 0.2s, background 0.2s;
}

input::placeholder, textarea::placeholder { color: color-mix(in srgb, var(--muted) 75%, transparent); }

input:focus, select:focus, textarea:focus {
  outline: none;
  border-color: color-mix(in srgb, var(--accent2) 65%, transparent);
  background: rgba(0, 0, 0, 0.42);
  box-shadow: var(--focus);
}

.chips { display: flex; flex-wrap: wrap; gap: 10px; margin-bottom: 14px; }
.chip {
  padding: 11px 16px;
  border-radius: var(--radius-pill);
  border: 1px solid rgba(255, 255, 255, 0.12);
  background: rgba(255, 255, 255, 0.04);
  cursor: pointer;
  font-size: 0.88rem;
  font-weight: 500;
  color: var(--muted-bright);
  transition: 0.22s var(--ease);
}
.chip:hover {
  border-color: color-mix(in srgb, var(--accent2) 50%, transparent);
  color: var(--txt);
  transform: translateY(-1px);
}
.chip.selected {
  border-color: transparent;
  background: var(--grad-btn);
  color: #1a1510;
  font-weight: 700;
  box-shadow: 0 6px 18px color-mix(in srgb, var(--accent2) 30%, transparent);
}

.form-nav { display: flex; gap: 10px; margin-top: 10px; }
.form-nav .btn { flex: 1; }
.form-nav .btn-ghost { flex: 0 0 auto; }

.consent {
  display: flex;
  gap: 10px;
  align-items: flex-start;
  font-size: 0.84rem;
  color: var(--muted);
  margin-bottom: 14px;
  line-height: 1.45;
}
.consent input { width: auto; margin: 3px 0 0; }

.form-success { display: none; text-align: center; padding: 32px 12px; }
.form-success.show { display: block; }
.form-steps-wrap.hidden { display: none; }
.form-success .icon {
  width: 64px;
  height: 64px;
  margin: 0 auto 16px;
  border-radius: 50%;
  background: var(--grad);
  display: grid;
  place-items: center;
  font-size: 1.6rem;
  color: #1a1510;
  font-weight: 800;
  box-shadow: 0 12px 30px color-mix(in srgb, var(--accent2) 32%, transparent);
}

/* ============================================================
   SECTIONS HEAD
   ============================================================ */

.section-head {
  text-align: center;
  max-width: 720px;
  margin: 0 auto clamp(40px, 6vw, 56px);
}
.section-head .eyebrow { margin-bottom: 16px; }
.section-head h2 { margin-bottom: 14px; }
.section-head p { color: var(--muted-bright); font-size: 1rem; line-height: 1.65; }

/* ============================================================
   GRIDS + CARDS
   ============================================================ */

.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 20px; }

.card {
  position: relative;
  background: linear-gradient(165deg, var(--card), var(--card2));
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: clamp(22px, 3vw, 30px);
  backdrop-filter: blur(14px) saturate(140%);
  -webkit-backdrop-filter: blur(14px) saturate(140%);
  box-shadow:
    inset 0 1px 0 rgba(255, 255, 255, 0.04),
    0 8px 22px rgba(0, 0, 0, 0.22),
    0 24px 60px rgba(0, 0, 0, 0.12);
  transition: transform 0.28s var(--ease), box-shadow 0.28s, border-color 0.28s;
}

.card:hover {
  transform: translateY(-4px);
  border-color: var(--border-strong);
  box-shadow:
    inset 0 1px 0 rgba(255, 255, 255, 0.08),
    0 1px 0 color-mix(in srgb, var(--accent2) 22%, transparent),
    0 16px 36px rgba(0, 0, 0, 0.32),
    0 36px 80px color-mix(in srgb, var(--accent2) 14%, transparent);
}

.card-num {
  width: 40px;
  height: 40px;
  border-radius: 12px;
  background: var(--grad);
  color: #1a1510;
  display: grid;
  place-items: center;
  font-family: var(--font-display);
  font-weight: 800;
  font-size: 0.95rem;
  margin-bottom: 16px;
  box-shadow: 0 6px 18px color-mix(in srgb, var(--accent2) 26%, transparent);
}

.card h3 { font-size: 1.08rem; margin-bottom: 10px; font-weight: 800; }
.card p, .card li { color: var(--muted-bright); font-size: 0.94rem; line-height: 1.6; }
.card ul { margin: 8px 0 0 18px; }

/* ============================================================
   STATS PANEL
   ============================================================ */

.stats-panel {
  position: relative;
  padding: clamp(28px, 5vw, 44px);
  border-radius: var(--radius-lg);
  border: 1px solid var(--border-strong);
  background:
    linear-gradient(165deg, rgba(255, 255, 255, 0.05), rgba(255, 255, 255, 0.01)),
    linear-gradient(165deg, var(--card), var(--card2));
  backdrop-filter: blur(16px) saturate(140%);
  -webkit-backdrop-filter: blur(16px) saturate(140%);
  box-shadow:
    inset 0 1px 0 rgba(255, 255, 255, 0.07),
    0 24px 64px rgba(0, 0, 0, 0.28),
    0 60px 120px color-mix(in srgb, var(--accent2) 8%, transparent);
}
.stats-panel .section-head { margin-bottom: 32px; }
.stat-row { display: grid; grid-template-columns: repeat(4, 1fr); gap: clamp(12px, 2vw, 18px); }

.stat {
  text-align: center;
  padding: clamp(18px, 2.5vw, 26px) 14px;
  border-radius: var(--radius-md);
  border: 1px solid var(--border);
  background: rgba(255, 255, 255, 0.025);
  transition: border-color 0.24s, background 0.24s, transform 0.24s;
}
.stat:hover {
  border-color: var(--border-strong);
  background: rgba(255, 255, 255, 0.045);
  transform: translateY(-2px);
}
.stat-value {
  display: block;
  font-family: var(--font-display);
  font-size: clamp(1.7rem, 3.4vw, 2.15rem);
  font-weight: 800;
  letter-spacing: -0.025em;
  background: var(--grad-text);
  -webkit-background-clip: text;
  background-clip: text;
  -webkit-text-fill-color: transparent;
  font-variant-numeric: tabular-nums;
  font-feature-settings: "tnum" 1, "ss01" 1;
}
.stat-label {
  display: block;
  color: var(--muted);
  font-size: 0.82rem;
  margin-top: 8px;
  line-height: 1.4;
  font-weight: 500;
}

/* ============================================================
   BANK MARKS — stylized SVG chips per bank
   ============================================================ */

.bank-mark {
  --bb: #222;
  --bf: #fff;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 0 14px;
  height: 40px;
  border-radius: 11px;
  background:
    linear-gradient(180deg, rgba(255, 255, 255, 0.20) 0%, rgba(255, 255, 255, 0.04) 38%, rgba(0, 0, 0, 0.18) 100%),
    var(--bb);
  color: var(--bf);
  font-family: var(--font-display);
  font-weight: 800;
  font-size: 0.78rem;
  letter-spacing: 0.005em;
  white-space: nowrap;
  border: 1px solid rgba(255, 255, 255, 0.14);
  box-shadow:
    inset 0 1px 0 rgba(255, 255, 255, 0.22),
    inset 0 -1px 0 rgba(0, 0, 0, 0.32),
    0 6px 18px rgba(0, 0, 0, 0.42),
    0 1px 0 rgba(0, 0, 0, 0.5);
  flex-shrink: 0;
  transition: transform 0.24s var(--ease), box-shadow 0.24s, filter 0.24s;
  isolation: isolate;
  position: relative;
}
.bank-mark::after {
  content: "";
  position: absolute;
  inset: 0;
  border-radius: inherit;
  pointer-events: none;
  background: linear-gradient(135deg, rgba(255, 255, 255, 0.10) 0%, transparent 38%);
  z-index: 0;
}
.bank-mark > * { position: relative; z-index: 1; }
.bank-mark:hover {
  transform: translateY(-2px) rotate(-0.6deg);
  box-shadow:
    inset 0 1px 0 rgba(255, 255, 255, 0.30),
    inset 0 -1px 0 rgba(0, 0, 0, 0.40),
    0 14px 32px rgba(0, 0, 0, 0.55);
  filter: brightness(1.05);
}

.bank-mark-glyph {
  width: 18px;
  height: 18px;
  flex-shrink: 0;
  filter: drop-shadow(0 1px 0 rgba(0, 0, 0, 0.22));
}

.bank-mark-text {
  font-feature-settings: "ss01" 1, "tnum" 1;
}

.bank-mark.sm {
  height: 32px;
  padding: 0 11px;
  gap: 6px;
  font-size: 0.7rem;
  border-radius: 9px;
}
.bank-mark.sm .bank-mark-glyph { width: 14px; height: 14px; }

.bank-mark.lg {
  height: 46px;
  padding: 0 16px;
  gap: 9px;
  font-size: 0.84rem;
  border-radius: 13px;
}
.bank-mark.lg .bank-mark-glyph { width: 20px; height: 20px; }

/* Real-logo variant — chip is a neutral dark frame holding a colored SVG wordmark */
.bank-mark--logo {
  --bb: #14131a;
  padding: 0 10px;
  gap: 0;
  border-color: rgba(255, 255, 255, 0.10);
}
.bank-mark--logo::before,
.bank-mark--logo::after { background: linear-gradient(135deg, rgba(255,255,255,0.06) 0%, transparent 60%); }
.bank-mark--logo .bank-mark-logo {
  height: 26px;
  width: auto;
  max-width: 138px;
  display: block;
  object-fit: contain;
  filter: drop-shadow(0 1px 0 rgba(0, 0, 0, 0.45));
}
.bank-mark.sm.bank-mark--logo { padding: 0 8px; }
.bank-mark.sm.bank-mark--logo .bank-mark-logo { height: 20px; max-width: 110px; }
.bank-mark.lg.bank-mark--logo { padding: 0 12px; }
.bank-mark.lg.bank-mark--logo .bank-mark-logo { height: 30px; max-width: 160px; }
.bank-mark--logo:hover {
  filter: brightness(1.04) saturate(1.06);
}

/* Tooltip on hover with full bank name from data-tip */
.bank-mark[data-tip]::after,
.bank-mark--logo[data-tip]::after { display: none; }
.bank-mark[data-tip] {
  position: relative;
}
.bank-mark[data-tip]:hover::before {
  content: attr(data-tip);
  position: absolute;
  bottom: calc(100% + 10px);
  left: 50%;
  transform: translateX(-50%);
  padding: 6px 10px;
  border-radius: 8px;
  background: rgba(8, 6, 5, 0.94);
  border: 1px solid color-mix(in srgb, var(--accent2) 36%, transparent);
  color: var(--txt);
  font-family: var(--font);
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.02em;
  white-space: nowrap;
  z-index: 10;
  box-shadow: 0 8px 24px rgba(0, 0, 0, 0.5);
  pointer-events: none;
  background-image: none;
}

.bank-mark-row {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: center;
  gap: 10px 12px;
}

/* ============================================================
   TRUST BAND
   ============================================================ */

.trust-band {
  padding: 28px 0;
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
  background: rgba(255, 255, 255, 0.015);
  position: relative;
  z-index: 2;
}
.trust-band-inner {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  align-items: center;
  gap: 18px 32px;
  font-size: 0.84rem;
  color: var(--muted-bright);
  font-weight: 500;
}
.trust-band-meta { display: flex; gap: 12px 22px; flex-wrap: wrap; justify-content: center; }
.trust-band-meta span { display: inline-flex; align-items: center; gap: 8px; }
.trust-band-meta span::before {
  content: "";
  width: 6px; height: 6px;
  border-radius: 50%;
  background: var(--accent2);
  box-shadow: 0 0 8px color-mix(in srgb, var(--accent2) 50%, transparent);
}

.badge-row {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  justify-content: center;
  margin: 22px auto 0;
  max-width: 880px;
}
.trust-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 8px 14px;
  border-radius: var(--radius-pill);
  border: 1px solid var(--border);
  background: rgba(255, 255, 255, 0.03);
  color: var(--muted-bright);
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.02em;
}
.trust-badge svg { width: 14px; height: 14px; flex-shrink: 0; color: var(--accent2); }

/* ============================================================
   LIVE FEED
   ============================================================ */

.live-feed {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  padding: 10px 18px 10px 14px;
  border-radius: var(--radius-pill);
  border: 1px solid var(--border-strong);
  background: rgba(0, 0, 0, 0.45);
  backdrop-filter: blur(12px);
  font-size: 0.82rem;
  color: var(--muted-bright);
  font-weight: 500;
  box-shadow: 0 8px 22px rgba(0, 0, 0, 0.32);
  min-width: 280px;
  max-width: 100%;
  overflow: hidden;
}
.live-dot {
  width: 8px; height: 8px;
  border-radius: 50%;
  background: var(--accent2);
  box-shadow: 0 0 0 4px color-mix(in srgb, var(--accent2) 20%, transparent),
              0 0 12px color-mix(in srgb, var(--accent2) 60%, transparent);
  animation: pulse 1.8s ease-in-out infinite;
  flex-shrink: 0;
}
.live-feed-text {
  display: inline-block;
  animation: feedFade 0.5s var(--ease-out);
  white-space: nowrap;
  overflow: hidden;
  text-overflow: ellipsis;
}
@keyframes feedFade {
  from { opacity: 0; transform: translateY(6px); }
  to   { opacity: 1; transform: none; }
}

.hero-live {
  display: inline-flex;
  margin-bottom: 18px;
}

/* ============================================================
   PAYOUT CALCULATOR
   ============================================================ */

.payout-calc {
  position: relative;
}

.calc-card {
  display: grid;
  grid-template-columns: 1.4fr 1fr;
  gap: clamp(24px, 4vw, 44px);
  padding: clamp(28px, 4vw, 40px);
  border-radius: var(--radius-lg);
  border: 1px solid var(--border-strong);
  background:
    linear-gradient(165deg, rgba(255, 255, 255, 0.04), rgba(255, 255, 255, 0.01)),
    linear-gradient(165deg, var(--card), var(--card2));
  backdrop-filter: blur(20px) saturate(160%);
  -webkit-backdrop-filter: blur(20px) saturate(160%);
  box-shadow:
    inset 0 1px 0 rgba(255, 255, 255, 0.06),
    0 24px 64px rgba(0, 0, 0, 0.28),
    0 60px 140px color-mix(in srgb, var(--accent2) 10%, transparent);
  align-items: center;
}

.calc-controls { display: flex; flex-direction: column; gap: 18px; }
.calc-label {
  font-size: 0.96rem;
  color: var(--muted-bright);
  font-weight: 600;
  margin-bottom: 0;
  display: flex;
  justify-content: space-between;
  align-items: baseline;
}
.calc-label strong {
  font-family: var(--font-display);
  font-size: 1.6rem;
  background: var(--grad-text);
  -webkit-background-clip: text;
  background-clip: text;
  -webkit-text-fill-color: transparent;
  font-variant-numeric: tabular-nums;
}

.calc-slider {
  -webkit-appearance: none;
     -moz-appearance: none;
          appearance: none;
  width: 100%;
  height: 8px;
  border-radius: 99px;
  background: linear-gradient(90deg,
              var(--accent2) 0%,
              var(--accent2) var(--pct, 25%),
              rgba(255, 255, 255, 0.1) var(--pct, 25%),
              rgba(255, 255, 255, 0.1) 100%);
  outline: none;
  padding: 0;
  margin: 0;
  cursor: pointer;
  transition: background 0.18s;
  border: 0;
  box-shadow: inset 0 1px 2px rgba(0, 0, 0, 0.4);
}

.calc-slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 26px;
  height: 26px;
  border-radius: 50%;
  background: var(--grad-btn);
  border: 2px solid color-mix(in srgb, var(--accent1) 60%, #fff 40%);
  box-shadow:
    0 4px 14px color-mix(in srgb, var(--accent2) 38%, transparent),
    0 0 0 6px color-mix(in srgb, var(--accent2) 12%, transparent),
    inset 0 1px 0 rgba(255, 255, 255, 0.55);
  cursor: grab;
  transition: transform 0.18s var(--ease);
}
.calc-slider::-webkit-slider-thumb:hover { transform: scale(1.1); }
.calc-slider::-webkit-slider-thumb:active { cursor: grabbing; transform: scale(0.95); }

.calc-slider::-moz-range-thumb {
  width: 26px;
  height: 26px;
  border-radius: 50%;
  background: var(--grad-btn);
  border: 2px solid color-mix(in srgb, var(--accent1) 60%, #fff 40%);
  box-shadow:
    0 4px 14px color-mix(in srgb, var(--accent2) 38%, transparent),
    inset 0 1px 0 rgba(255, 255, 255, 0.55);
  cursor: grab;
}
.calc-slider:focus-visible { box-shadow: inset 0 1px 2px rgba(0, 0, 0, 0.4), var(--focus); }

.calc-meta {
  display: flex;
  justify-content: space-between;
  color: var(--muted);
  font-size: 0.78rem;
  font-variant-numeric: tabular-nums;
}

.calc-output {
  padding: clamp(20px, 3vw, 28px);
  border-radius: var(--radius-md);
  background: linear-gradient(165deg,
              color-mix(in srgb, var(--accent2) 12%, transparent),
              color-mix(in srgb, var(--accent3) 8%, transparent));
  border: 1px solid color-mix(in srgb, var(--accent2) 28%, transparent);
  text-align: center;
  box-shadow: inset 0 1px 0 rgba(255, 255, 255, 0.06);
}
.calc-output-label {
  display: block;
  font-size: 0.78rem;
  color: var(--muted-bright);
  text-transform: uppercase;
  letter-spacing: 0.12em;
  font-weight: 600;
  margin-bottom: 10px;
}
.calc-output-value {
  display: block;
  font-family: var(--font-display);
  font-size: clamp(1.8rem, 4vw, 2.6rem);
  font-weight: 900;
  letter-spacing: -0.025em;
  background: var(--grad-text);
  -webkit-background-clip: text;
  background-clip: text;
  -webkit-text-fill-color: transparent;
  font-variant-numeric: tabular-nums;
  line-height: 1.1;
  margin-bottom: 8px;
}
.calc-output-sub {
  display: block;
  font-size: 0.82rem;
  color: var(--muted);
}

/* ============================================================
   TIMELINE PROCESS — glass cards + icon dots + progress line
   ============================================================ */

.timeline {
  position: relative;
  list-style: none;
  padding: 8px 0 8px 96px;
  margin: 0 auto;
  max-width: 820px;
}

/* Track behind the dots — muted neutral, no accent color */
.timeline::before {
  content: "";
  position: absolute;
  left: 32px;
  top: 26px;
  bottom: 26px;
  width: 2px;
  background: linear-gradient(180deg,
    transparent 0%,
    rgba(255, 255, 255, 0.06) 8%,
    rgba(255, 255, 255, 0.10) 50%,
    rgba(255, 255, 255, 0.06) 92%,
    transparent 100%);
  border-radius: 2px;
}

/* Animated progress fill — soft accent tint, no neon stripe */
.timeline::after {
  content: "";
  position: absolute;
  left: 32px;
  top: 26px;
  width: 2px;
  height: 0;
  background: linear-gradient(180deg,
    color-mix(in srgb, var(--accent2) 30%, transparent) 0%,
    color-mix(in srgb, var(--accent2) 18%, transparent) 100%);
  box-shadow: 0 0 8px color-mix(in srgb, var(--accent2) 14%, transparent);
  border-radius: 2px;
  transition: height 1.4s var(--ease-out);
}

.timeline.fill-1::after { height: calc(33% + 4px); }
.timeline.fill-2::after { height: calc(66% + 4px); }
.timeline.fill-3::after { height: calc(100% - 12px); }

.timeline-step {
  position: relative;
  padding: 0 0 22px;
}
.timeline-step:last-child { padding-bottom: 0; }

/* Dot — icon-bearing pill with halo + soft inner glow */
.timeline-dot {
  position: absolute;
  left: -96px;
  top: 0;
  width: 64px;
  height: 64px;
  border-radius: 50%;
  background:
    radial-gradient(circle at 30% 28%, rgba(255, 255, 255, 0.18), transparent 55%),
    linear-gradient(180deg, var(--bg2), var(--bg));
  border: 2px solid color-mix(in srgb, var(--accent2) 50%, transparent);
  color: var(--accent1);
  display: grid;
  place-items: center;
  box-shadow:
    0 0 0 8px color-mix(in srgb, var(--bg) 78%, transparent),
    0 8px 22px rgba(0, 0, 0, 0.42),
    0 0 28px color-mix(in srgb, var(--accent2) 22%, transparent);
  z-index: 2;
  transition: transform 0.3s var(--ease), border-color 0.3s, box-shadow 0.3s, background 0.3s;
}
.timeline-dot svg {
  width: 28px;
  height: 28px;
  transition: transform 0.3s var(--ease), color 0.3s;
}
.timeline-step.is-visible .timeline-dot {
  background: var(--grad);
  border-color: transparent;
  color: #1a1510;
  transform: scale(1.06);
  box-shadow:
    0 0 0 8px color-mix(in srgb, var(--bg) 78%, transparent),
    0 12px 28px rgba(0, 0, 0, 0.5),
    0 0 36px color-mix(in srgb, var(--accent2) 50%, transparent);
}
.timeline-step.is-visible .timeline-dot svg { transform: scale(1.05); }

/* Card to the right of the dot */
.timeline-card {
  position: relative;
  padding: clamp(18px, 2.4vw, 24px) clamp(20px, 2.8vw, 28px);
  border-radius: var(--radius-md);
  background: linear-gradient(165deg, var(--card), var(--card2));
  border: 1px solid var(--border);
  backdrop-filter: blur(14px) saturate(140%);
  -webkit-backdrop-filter: blur(14px) saturate(140%);
  box-shadow:
    inset 0 1px 0 rgba(255, 255, 255, 0.05),
    0 10px 26px rgba(0, 0, 0, 0.28),
    0 26px 60px rgba(0, 0, 0, 0.14);
  transition: transform 0.3s var(--ease), border-color 0.3s, box-shadow 0.3s;
}
.timeline-card::before {
  content: "";
  position: absolute;
  top: 22px;
  left: -10px;
  width: 16px;
  height: 16px;
  background: linear-gradient(135deg, var(--card), var(--card2));
  border-left: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
  transform: rotate(45deg);
  border-bottom-left-radius: 4px;
  pointer-events: none;
}
.timeline-step.is-visible .timeline-card {
  border-color: var(--border-strong);
  box-shadow:
    inset 0 1px 0 rgba(255, 255, 255, 0.07),
    0 16px 36px rgba(0, 0, 0, 0.34),
    0 38px 80px color-mix(in srgb, var(--accent2) 14%, transparent);
}

.timeline-step-num {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 0.7rem;
  font-weight: 800;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--accent1);
  margin-bottom: 8px;
}
.timeline-step-num::before {
  content: "";
  width: 18px;
  height: 1px;
  background: linear-gradient(90deg, color-mix(in srgb, var(--accent2) 70%, transparent), transparent);
}

.timeline-step h3 {
  font-size: 1.18rem;
  margin-bottom: 8px;
  font-weight: 800;
  letter-spacing: -0.012em;
}
.timeline-step p {
  color: var(--muted-bright);
  font-size: 0.96rem;
  line-height: 1.65;
}

.timeline-step .timeline-meta {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-top: 14px;
  padding-top: 14px;
  border-top: 1px dashed color-mix(in srgb, var(--border-strong) 100%, transparent);
}

/* ============================================================
   REVIEWS (avatars, stars, verified)
   ============================================================ */

.review {
  display: flex;
  flex-direction: column;
  gap: 14px;
}
.review-stars {
  color: var(--accent1);
  font-size: 1rem;
  letter-spacing: 0.18em;
  filter: drop-shadow(0 2px 8px color-mix(in srgb, var(--accent2) 32%, transparent));
}
.review-quote {
  color: var(--muted-bright);
  font-size: 0.96rem;
  line-height: 1.65;
  position: relative;
  padding-left: 4px;
}
.review-footer {
  display: flex;
  align-items: center;
  gap: 14px;
  margin-top: auto;
  padding-top: 16px;
  border-top: 1px solid var(--border);
}
.review-avatar {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  display: grid;
  place-items: center;
  font-family: var(--font-display);
  font-weight: 800;
  font-size: 0.88rem;
  color: #1a1510;
  background: var(--av, var(--grad));
  box-shadow: 0 6px 18px rgba(0, 0, 0, 0.32), inset 0 1px 0 rgba(255, 255, 255, 0.2);
  flex-shrink: 0;
  letter-spacing: 0.02em;
}
.review-who { display: flex; flex-direction: column; gap: 2px; }
.review-who .who {
  font-weight: 700;
  font-size: 0.92rem;
  color: var(--txt);
  display: inline-flex;
  align-items: center;
  gap: 8px;
}
.review-verified {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  font-size: 0.7rem;
  font-weight: 700;
  color: var(--accent1);
  background: color-mix(in srgb, var(--accent2) 14%, transparent);
  border: 1px solid color-mix(in srgb, var(--accent2) 28%, transparent);
  padding: 2px 8px;
  border-radius: var(--radius-pill);
  letter-spacing: 0.04em;
}
.review-who .meta { color: var(--muted); font-size: 0.8rem; }

/* ============================================================
   FAQ
   ============================================================ */

.faq-item {
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  margin-bottom: 12px;
  overflow: hidden;
  background: rgba(255, 255, 255, 0.025);
  transition: border-color 0.22s, background 0.22s;
}
.faq-item:hover { border-color: var(--border-strong); background: rgba(255, 255, 255, 0.04); }
.faq-item.open { border-color: var(--border-strong); }

.faq-q {
  width: 100%;
  text-align: left;
  padding: 18px 20px;
  background: none;
  border: none;
  color: var(--txt);
  font: inherit;
  font-weight: 700;
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 14px;
}
.faq-q span {
  flex-shrink: 0;
  width: 26px;
  height: 26px;
  border-radius: 50%;
  background: color-mix(in srgb, var(--accent2) 14%, transparent);
  border: 1px solid color-mix(in srgb, var(--accent2) 24%, transparent);
  display: grid;
  place-items: center;
  color: var(--accent1);
  transition: transform 0.3s var(--ease), background 0.3s;
  font-weight: 700;
}
.faq-a {
  display: none;
  padding: 0 20px 18px;
  color: var(--muted-bright);
  font-size: 0.94rem;
  line-height: 1.65;
}
.faq-item.open .faq-a { display: block; animation: fadeUp 0.3s var(--ease-out); }
.faq-item.open .faq-q span {
  transform: rotate(45deg);
  background: var(--grad);
  color: #1a1510;
  border-color: transparent;
}

/* ============================================================
   CTA BAND
   ============================================================ */

.cta-band {
  position: relative;
  border-radius: var(--radius-lg);
  padding: clamp(34px, 6vw, 56px) clamp(22px, 5vw, 44px);
  border: 1px solid var(--border-strong);
  background:
    linear-gradient(135deg,
      color-mix(in srgb, var(--accent2) 14%, transparent),
      color-mix(in srgb, var(--accent3) 6%, transparent) 60%,
      rgba(255, 255, 255, 0.02));
  text-align: center;
  overflow: hidden;
  backdrop-filter: blur(14px) saturate(140%);
  -webkit-backdrop-filter: blur(14px) saturate(140%);
  box-shadow:
    inset 0 1px 0 rgba(255, 255, 255, 0.06),
    0 24px 64px rgba(0, 0, 0, 0.26),
    0 60px 140px color-mix(in srgb, var(--accent2) 12%, transparent);
}
.cta-band::before {
  content: "";
  position: absolute;
  width: 60%;
  height: 200%;
  top: -50%;
  right: -10%;
  background: radial-gradient(circle, color-mix(in srgb, var(--accent1) 22%, transparent), transparent 60%);
  filter: blur(40px);
  pointer-events: none;
  z-index: 0;
}
.cta-band > * { position: relative; z-index: 1; }
.cta-band h2 { margin-bottom: 12px; }
.cta-band p {
  color: var(--muted-bright);
  margin-bottom: 26px;
  max-width: 56ch;
  margin-left: auto;
  margin-right: auto;
  line-height: 1.65;
}

/* ============================================================
   FOOTER
   ============================================================ */

footer {
  border-top: 1px solid var(--border);
  padding: 56px 0 36px;
  color: var(--muted);
  font-size: 0.88rem;
  position: relative;
  z-index: 2;
  background: rgba(0, 0, 0, 0.22);
}
.foot-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr; gap: 28px; }
.foot-grid a { color: var(--muted-bright); }
.foot-grid a:hover { color: var(--txt); }
.foot-grid strong { color: var(--txt); font-family: var(--font-display); font-weight: 700; }
.foot-copy {
  margin-top: 36px;
  padding-top: 22px;
  border-top: 1px solid var(--border);
  text-align: center;
  font-size: 0.78rem;
  color: var(--muted);
}

/* ============================================================
   HUB
   ============================================================ */

.hub-hero {
  min-height: 100dvh;
  display: grid;
  place-items: center;
  padding: 120px 24px 80px;
  position: relative;
}
.hub-inner { max-width: 1080px; width: 100%; text-align: center; position: relative; z-index: 2; }
.hub-cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; margin-top: 44px; }
.hub-card {
  position: relative;
  padding: 32px 26px;
  border-radius: var(--radius-lg);
  border: 1px solid rgba(255, 255, 255, 0.1);
  background: linear-gradient(165deg, rgba(20, 18, 16, 0.7), rgba(8, 6, 4, 0.7));
  backdrop-filter: blur(18px) saturate(140%);
  -webkit-backdrop-filter: blur(18px) saturate(140%);
  text-align: left;
  transition: transform 0.3s var(--ease), border-color 0.3s, box-shadow 0.3s;
  box-shadow:
    inset 0 1px 0 rgba(255, 255, 255, 0.04),
    0 12px 30px rgba(0, 0, 0, 0.24);
}
.hub-card:hover {
  transform: translateY(-6px);
  box-shadow:
    inset 0 1px 0 rgba(255, 255, 255, 0.08),
    0 28px 60px rgba(0, 0, 0, 0.42),
    0 60px 120px color-mix(in srgb, var(--card-accent, var(--accent2)) 16%, transparent);
}
.hub-card[data-go="cz"]:hover { border-color: rgba(232, 213, 160, 0.5); }
.hub-card[data-go="hu"]:hover { border-color: rgba(16, 185, 129, 0.5); }
.hub-card[data-go="pl"]:hover { border-color: rgba(220, 38, 38, 0.5); }
.hub-flag { font-size: 2.2rem; margin-bottom: 16px; line-height: 1; }
.hub-card h2 { font-size: 1.5rem; margin-bottom: 10px; }
.hub-card p { color: var(--muted-bright); font-size: 0.94rem; margin-bottom: 22px; min-height: 3.6em; line-height: 1.6; }

/* ============================================================
   INFO PAGES
   ============================================================ */

.info-top { padding-top: 36px; display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 12px; }
.info-hero {
  margin-top: 18px;
  padding: 24px;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  background: linear-gradient(165deg, var(--card), var(--card2));
  backdrop-filter: blur(12px);
}

/* ============================================================
   REVEAL SYSTEM
   ============================================================ */

.reveal {
  opacity: 0;
  transform: translateY(20px);
  transition: opacity 0.7s var(--ease-out), transform 0.7s var(--ease-out);
  will-change: opacity, transform;
}
.reveal.is-visible {
  opacity: 1;
  transform: none;
}
.reveal[data-delay="1"] { transition-delay: 0.08s; }
.reveal[data-delay="2"] { transition-delay: 0.16s; }
.reveal[data-delay="3"] { transition-delay: 0.24s; }
.reveal[data-delay="4"] { transition-delay: 0.32s; }

/* ============================================================
   MEDIA QUERIES
   ============================================================ */

/* ============================================================
   PROCESS — premium 3-card grid (replaces legacy .timeline)
   ============================================================ */

.process { padding: clamp(96px, 12vw, 160px) 0; }

.process-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: clamp(16px, 1.6vw, 24px);
  align-items: stretch;
  max-width: 1180px;
  margin: 0 auto;
  position: relative;
}

.process-card {
  position: relative;
  min-width: 0;
  padding: clamp(28px, 3vw, 38px) clamp(22px, 2.6vw, 30px);
  border-radius: var(--radius-lg);
  background: linear-gradient(165deg, var(--card), var(--card2));
  border: 1px solid var(--border);
  backdrop-filter: blur(14px) saturate(140%);
  -webkit-backdrop-filter: blur(14px) saturate(140%);
  box-shadow:
    inset 0 1px 0 rgba(255, 255, 255, 0.05),
    0 12px 28px rgba(0, 0, 0, 0.36),
    0 32px 70px rgba(0, 0, 0, 0.18);
  display: flex;
  flex-direction: column;
  gap: 12px;
  overflow: hidden;
  isolation: isolate;
  transition: transform 0.3s var(--ease), border-color 0.3s, box-shadow 0.3s;
}

.process-card-num {
  position: absolute;
  top: -14px;
  right: -8px;
  font-family: var(--font-display);
  font-weight: 900;
  font-size: clamp(6rem, 9vw, 9rem);
  line-height: 1;
  letter-spacing: -0.04em;
  background: var(--grad-text);
  -webkit-background-clip: text;
  background-clip: text;
  -webkit-text-fill-color: transparent;
  opacity: 0.10;
  pointer-events: none;
  z-index: 0;
  user-select: none;
}

.process-card > *:not(.process-card-num) { position: relative; z-index: 1; }

.process-card-icon {
  width: 56px;
  height: 56px;
  border-radius: 16px;
  background: linear-gradient(165deg,
    color-mix(in srgb, var(--accent2) 12%, transparent),
    color-mix(in srgb, var(--accent3) 6%, transparent));
  border: 1px solid color-mix(in srgb, var(--accent2) 26%, transparent);
  display: grid;
  place-items: center;
  color: var(--accent1);
  margin-bottom: 6px;
  box-shadow:
    inset 0 1px 0 rgba(255, 255, 255, 0.06),
    0 8px 22px color-mix(in srgb, var(--accent2) 14%, transparent);
  transition: transform 0.3s var(--ease), background 0.3s, box-shadow 0.3s, color 0.3s, border-color 0.3s;
}
.process-card-icon svg {
  width: 28px;
  height: 28px;
  transition: transform 0.3s var(--ease);
}

.process-card:hover { transform: translateY(-6px); border-color: var(--border-strong); }
.process-card:hover .process-card-icon {
  transform: scale(1.06);
  box-shadow:
    inset 0 1px 0 rgba(255, 255, 255, 0.10),
    0 14px 30px color-mix(in srgb, var(--accent2) 26%, transparent);
}

.process-card.is-visible .process-card-icon,
.process-card--accent .process-card-icon {
  background: var(--grad);
  color: #1a1510;
  border-color: transparent;
}

.process-card--accent {
  border-color: color-mix(in srgb, var(--accent2) 38%, transparent);
  background:
    linear-gradient(165deg,
      color-mix(in srgb, var(--accent2) 10%, var(--card)),
      color-mix(in srgb, var(--accent3) 5%, var(--card2)));
  box-shadow:
    inset 0 1px 0 rgba(255, 255, 255, 0.08),
    0 16px 36px rgba(0, 0, 0, 0.40),
    0 40px 90px color-mix(in srgb, var(--accent2) 16%, transparent);
}

.process-card--finish {
  border-color: color-mix(in srgb, var(--accent3) 32%, transparent);
}
.process-card--finish .process-card-icon {
  background: linear-gradient(165deg,
    color-mix(in srgb, var(--accent3) 28%, transparent),
    color-mix(in srgb, var(--accent2) 14%, transparent));
  border-color: color-mix(in srgb, var(--accent3) 36%, transparent);
}

.process-card-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 0.68rem;
  font-weight: 800;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--accent1);
}
.process-card-eyebrow::before {
  content: "";
  width: 18px;
  height: 1px;
  background: linear-gradient(90deg, color-mix(in srgb, var(--accent2) 60%, transparent), transparent);
}

.process-card h3 {
  font-family: var(--font-display);
  font-size: clamp(1.18rem, 1.6vw, 1.45rem);
  font-weight: 800;
  letter-spacing: -0.018em;
  line-height: 1.18;
}

.process-card p {
  color: var(--muted-bright);
  font-size: 0.95rem;
  line-height: 1.65;
}

.process-card-banks {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-top: auto;
  padding-top: 16px;
  border-top: 1px dashed color-mix(in srgb, var(--border-strong) 100%, transparent);
}

/* Connector — muted, NO solid accent */
.process-connector {
  display: grid;
  place-items: center;
  width: 56px;
  position: relative;
  flex-shrink: 0;
  color: color-mix(in srgb, var(--accent1) 70%, transparent);
}
.process-connector::before {
  content: "";
  position: absolute;
  top: 50%;
  left: 6px;
  right: 6px;
  height: 2px;
  margin-top: -1px;
  background: linear-gradient(90deg,
    transparent 0%,
    rgba(255, 255, 255, 0.06) 8%,
    rgba(255, 255, 255, 0.10) 50%,
    rgba(255, 255, 255, 0.06) 92%,
    transparent 100%);
  border-radius: 2px;
}
.process-connector svg {
  position: relative;
  z-index: 1;
  width: 22px;
  height: 22px;
  background: var(--bg);
  border-radius: 50%;
  padding: 4px;
  border: 1px solid color-mix(in srgb, var(--accent2) 30%, transparent);
  box-shadow:
    inset 0 1px 0 rgba(255, 255, 255, 0.05),
    0 0 12px color-mix(in srgb, var(--accent2) 16%, transparent);
}

@media (max-width: 960px) {
  .process-grid {
    grid-template-columns: 1fr;
    gap: 0;
  }
  .process-connector {
    width: 100%;
    height: 44px;
    margin: -2px 0;
  }
  .process-connector::before {
    top: 0;
    bottom: 0;
    left: 50%;
    right: auto;
    height: auto;
    width: 2px;
    margin: 0 0 0 -1px;
    background: linear-gradient(180deg,
      transparent 0%,
      rgba(255, 255, 255, 0.06) 8%,
      rgba(255, 255, 255, 0.10) 50%,
      rgba(255, 255, 255, 0.06) 92%,
      transparent 100%);
  }
  .process-connector svg { transform: rotate(90deg); }
  .process-card-num { font-size: 7rem; }
}

/* ============================================================
   PAYOUT CALCULATOR v2 — mode toggle + odometer + tiers
   ============================================================ */

.calc-card {
  position: relative;
  overflow: hidden;
}
.calc-card::before {
  content: "";
  position: absolute;
  width: 60%;
  height: 80%;
  top: -20%;
  right: -20%;
  background: radial-gradient(circle, color-mix(in srgb, var(--accent2) 14%, transparent), transparent 65%);
  filter: blur(40px);
  pointer-events: none;
  z-index: 0;
}
.calc-card > * { position: relative; z-index: 1; }

.calc-slider-wrap {
  position: relative;
  padding-top: 32px;
  margin-bottom: 4px;
}

.calc-slider-tooltip {
  position: absolute;
  top: 0;
  left: 0;
  transform: translate(-50%, 0);
  padding: 4px 10px;
  border-radius: 8px;
  background: linear-gradient(165deg,
    color-mix(in srgb, var(--accent2) 28%, var(--bg2)),
    color-mix(in srgb, var(--accent3) 16%, var(--bg)));
  border: 1px solid color-mix(in srgb, var(--accent2) 40%, transparent);
  color: var(--txt);
  font-size: 0.78rem;
  font-weight: 700;
  font-variant-numeric: tabular-nums;
  white-space: nowrap;
  box-shadow:
    inset 0 1px 0 rgba(255, 255, 255, 0.10),
    0 6px 16px color-mix(in srgb, var(--accent2) 22%, transparent);
  pointer-events: none;
  transition: left 0.18s var(--ease-out);
}
.calc-slider-tooltip::after {
  content: "";
  position: absolute;
  bottom: -5px;
  left: 50%;
  margin-left: -5px;
  border: 5px solid transparent;
  border-top-color: color-mix(in srgb, var(--accent2) 40%, var(--bg2));
  border-bottom: none;
}

.calc-slider:active + .calc-slider-tooltip,
.calc-slider:focus + .calc-slider-tooltip,
.calc-slider:hover + .calc-slider-tooltip {
  filter: brightness(1.08);
}

.calc-tier-row {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 8px;
  margin-top: 4px;
}
.calc-tier {
  position: relative;
  padding: 10px 12px;
  border-radius: 14px;
  border: 1px solid var(--border);
  background: rgba(255, 255, 255, 0.025);
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 2px;
  transition: 0.24s var(--ease);
  cursor: default;
}
.calc-tier-name {
  font-size: 0.82rem;
  font-weight: 700;
  color: var(--muted-bright);
  letter-spacing: 0.005em;
}
.calc-tier-range {
  font-size: 0.7rem;
  color: var(--muted);
  font-variant-numeric: tabular-nums;
  letter-spacing: 0.04em;
}
.calc-tier.is-active {
  border-color: transparent;
  background: linear-gradient(165deg,
    color-mix(in srgb, var(--accent2) 18%, transparent),
    color-mix(in srgb, var(--accent3) 10%, transparent));
  box-shadow:
    inset 0 0 0 1px color-mix(in srgb, var(--accent2) 36%, transparent),
    0 6px 18px color-mix(in srgb, var(--accent2) 20%, transparent);
}
.calc-tier.is-active .calc-tier-name {
  background: var(--grad-text);
  -webkit-background-clip: text;
  background-clip: text;
  -webkit-text-fill-color: transparent;
}
.calc-tier.is-active .calc-tier-range {
  color: color-mix(in srgb, var(--accent1) 80%, var(--muted-bright));
}

.calc-output {
  position: relative;
  padding: clamp(20px, 3vw, 28px);
  border-radius: var(--radius-md);
  background:
    linear-gradient(165deg,
      color-mix(in srgb, var(--accent2) 10%, rgba(8, 6, 4, 0.55)),
      color-mix(in srgb, var(--accent3) 7%, rgba(4, 3, 2, 0.65)));
  border: 1px solid color-mix(in srgb, var(--accent2) 28%, transparent);
  box-shadow:
    inset 0 1px 0 rgba(255, 255, 255, 0.06),
    0 24px 60px rgba(0, 0, 0, 0.32);
  display: flex;
  flex-direction: column;
  gap: 10px;
  isolation: isolate;
  text-align: left;
  overflow: hidden;
}
.calc-output::after {
  content: "";
  position: absolute;
  width: 70%;
  height: 70%;
  top: -30%;
  right: -25%;
  background: radial-gradient(circle, color-mix(in srgb, var(--accent1) 16%, transparent), transparent 60%);
  pointer-events: none;
  z-index: -1;
  filter: blur(22px);
}

.calc-mode-toggle {
  display: inline-flex;
  padding: 4px;
  border-radius: 999px;
  border: 1px solid var(--border);
  background: rgba(0, 0, 0, 0.36);
  width: fit-content;
  gap: 2px;
  margin-bottom: 6px;
  align-self: flex-start;
}
.calc-mode {
  padding: 7px 14px;
  border-radius: 999px;
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.04em;
  color: var(--muted);
  cursor: pointer;
  border: none;
  background: none;
  font-family: inherit;
  transition: 0.22s var(--ease);
}
.calc-mode:hover { color: var(--txt); }
.calc-mode.active {
  background: var(--grad-btn);
  color: #1a1510;
  box-shadow: 0 4px 14px color-mix(in srgb, var(--accent2) 30%, transparent);
}

.calc-output-label {
  display: block;
  font-size: 0.74rem;
  text-transform: uppercase;
  letter-spacing: 0.14em;
  font-weight: 700;
  color: var(--muted-bright);
}

.calc-output-number {
  display: flex;
  align-items: baseline;
  gap: 10px;
  flex-wrap: wrap;
  font-family: var(--font-display);
  font-variant-numeric: tabular-nums;
  font-feature-settings: "tnum" 1, "ss01" 1;
  margin: 4px 0 2px;
}
.calc-output-value {
  font-size: clamp(2.4rem, 5.4vw, 4.6rem);
  font-weight: 900;
  line-height: 1;
  letter-spacing: -0.035em;
  background: var(--grad-text);
  -webkit-background-clip: text;
  background-clip: text;
  -webkit-text-fill-color: transparent;
  display: inline-flex;
  filter: drop-shadow(0 4px 24px color-mix(in srgb, var(--accent2) 24%, transparent));
}
.calc-output-currency {
  font-size: clamp(1rem, 1.6vw, 1.35rem);
  font-weight: 800;
  color: var(--muted-bright);
  letter-spacing: -0.005em;
}

.calc-digit {
  display: inline-flex;
  flex-direction: column;
  height: 1em;
  overflow: hidden;
  vertical-align: top;
  width: 0.62em;
  text-align: center;
  justify-items: center;
}
.calc-digit-stack {
  display: flex;
  flex-direction: column;
  transition: transform 0.6s cubic-bezier(0.16, 1, 0.3, 1);
  will-change: transform;
}
.calc-digit-stack > span {
  height: 1em;
  line-height: 1;
  display: inline-block;
}
.calc-digit-sep {
  display: inline-block;
}

.calc-output-formula {
  font-family: 'JetBrains Mono', 'Menlo', 'Consolas', ui-monospace, monospace;
  font-size: 0.78rem;
  color: var(--muted);
  font-variant-numeric: tabular-nums;
  letter-spacing: -0.005em;
}

.calc-output-compare {
  font-size: 0.84rem;
  color: var(--accent1);
  font-weight: 700;
  letter-spacing: 0.005em;
}

.calc-bonus {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 8px 12px;
  border-radius: var(--radius-sm);
  background: rgba(255, 255, 255, 0.04);
  border: 1px solid var(--border);
  font-size: 0.8rem;
  color: var(--muted-bright);
  font-weight: 600;
  width: fit-content;
}
.calc-bonus svg {
  width: 16px;
  height: 16px;
  color: var(--accent1);
  flex-shrink: 0;
  filter: drop-shadow(0 0 6px color-mix(in srgb, var(--accent2) 36%, transparent));
}

.calc-cta {
  margin-top: 6px;
  align-self: flex-start;
}

@media (max-width: 960px) {
  .hero-grid, .grid-3, .foot-grid, .hub-cards { grid-template-columns: 1fr; }
  .grid-2 { grid-template-columns: 1fr; }
  .stat-row { grid-template-columns: repeat(2, 1fr); }
  .calc-card { grid-template-columns: 1fr; }
  .nav-inner { flex-wrap: wrap; gap: 10px 14px; padding: 14px clamp(16px, 4vw, 22px); }
  .nav-toggle { display: flex; margin-left: auto; }
  .nav-links {
    display: none;
    width: 100%;
    order: 10;
    flex-direction: column;
    margin: 0;
    padding: 6px 0 10px;
    gap: 2px;
  }
  .nav-links.open { display: flex; }
  .nav-links a { padding: 12px 14px; }
  nav > .nav-inner > .btn { margin-left: auto; padding: 10px 18px; font-size: 0.86rem; }
  section { padding: 56px 0; }
  .hero { padding-top: 120px; }
  h1 { font-size: clamp(2rem, 9vw, 2.8rem); }
  h2 { font-size: clamp(1.5rem, 6vw, 2.1rem); }
  .timeline { padding-left: 76px; }
  .timeline-dot { left: -76px; width: 52px; height: 52px; }
  .timeline-dot svg { width: 22px; height: 22px; }
  .timeline::before, .timeline::after { left: 25px; }
  .timeline-card::before { top: 18px; }
  .hero-orbit { display: none; }
}

@media (max-width: 520px) {
  .stat-row { grid-template-columns: 1fr; }
  .bank-mark { height: 36px; padding: 0 12px; font-size: 0.74rem; }
  .bank-mark-glyph { width: 16px; height: 16px; }
  .live-feed { min-width: 0; width: 100%; }
  .hero-actions { flex-direction: column; align-items: stretch; }
  .hero-actions .btn { width: 100%; }
  .timeline { padding-left: 64px; }
  .timeline-dot { left: -64px; width: 44px; height: 44px; }
  .timeline-dot svg { width: 18px; height: 18px; }
  .timeline::before, .timeline::after { left: 21px; }
  .timeline-card { padding: 16px 18px; }
  .timeline-card::before { top: 14px; left: -8px; width: 12px; height: 12px; }
}

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: 0s !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01s !important;
  }
  .reveal { opacity: 1; transform: none; }
  .mesh-bg::before, .mesh-bg::after, .hero-deco-glow, .float-shape { animation: none !important; }
  .eyebrow-dot, .live-dot { animation: none !important; }
}

/* ============================================================
   v3 — bank logo chips + new calc card additions
   ============================================================ */
.bank-mark-logo {
  width: 22px;
  height: 22px;
  object-fit: contain;
  display: block;
  filter: drop-shadow(0 1px 0 rgba(0, 0, 0, 0.32));
}
.bank-mark.sm .bank-mark-logo { width: 18px; height: 18px; }
.bank-mark.lg .bank-mark-logo { width: 26px; height: 26px; }

/* ============================================================
   v5 — banks hidden on main landings (per user request)
   ============================================================ */
.hero-orbit,
.bank-mark-row,
.process-card-banks { display: none !important; }
.process-card-banks + * { margin-top: 0; }
.trust-band-meta { padding: 0; border: none; }

/* ============================================================
   v4 — bank tiles (investor-style white cards with real logos)
   (kept in CSS but currently overridden by v5 hide rules above)
   ============================================================ */
.process-card-banks,
.bank-mark-row {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
}

.process-card-banks .bank-mark,
.bank-mark-row .bank-mark {
  --bb: transparent;
  background: linear-gradient(180deg, #f6f6f5 0%, #e5e6e8 100%);
  color: #0a0907;
  border: 1px solid rgba(0, 0, 0, 0.08);
  box-shadow:
    inset 0 1px 0 rgba(255, 255, 255, 0.85),
    0 4px 12px rgba(0, 0, 0, 0.36),
    0 1px 0 rgba(0, 0, 0, 0.45);
  height: auto;
  min-height: 56px;
  padding: 10px 14px;
  border-radius: 10px;
  gap: 10px;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  min-width: 96px;
  flex: 1 1 96px;
  max-width: 140px;
  text-transform: none;
  letter-spacing: 0;
}
.process-card-banks .bank-mark::after,
.bank-mark-row .bank-mark::after { display: none; }

.process-card-banks .bank-mark-logo,
.bank-mark-row .bank-mark-logo {
  width: auto;
  height: 22px;
  max-width: 96px;
  filter: none;
}

.process-card-banks .bank-mark-text,
.bank-mark-row .bank-mark-text {
  font-family: var(--font-display);
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.02em;
  color: #2c2a26;
  white-space: nowrap;
  line-height: 1;
}

.process-card-banks .bank-mark:hover,
.bank-mark-row .bank-mark:hover {
  transform: translateY(-3px);
  box-shadow:
    inset 0 1px 0 rgba(255, 255, 255, 0.95),
    0 10px 24px rgba(0, 0, 0, 0.48),
    0 0 0 1px color-mix(in srgb, var(--accent2) 36%, transparent);
  filter: none;
}

/* Hero-orbit floating chips stay in their colored bank style */
.hero-orbit .bank-mark {
  /* unchanged — keep large colored brand pill behind hero form */
}

@media (max-width: 640px) {
  .process-card-banks .bank-mark,
  .bank-mark-row .bank-mark {
    min-width: 86px;
    flex: 1 1 86px;
    max-width: none;
    min-height: 52px;
    padding: 8px 10px;
  }
  .process-card-banks .bank-mark-logo,
  .bank-mark-row .bank-mark-logo { height: 20px; max-width: 84px; }
}

.calc-card[data-calc-card] .calc-slider {
  background: linear-gradient(90deg,
    var(--accent2) 0%,
    var(--accent2) var(--p, 50%),
    rgba(255, 255, 255, 0.08) var(--p, 50%),
    rgba(255, 255, 255, 0.08) 100%);
}
.calc-ticks {
  display: flex;
  justify-content: space-between;
  font-size: 11px;
  color: var(--muted);
  margin-top: 6px;
  letter-spacing: 0.12em;
  font-variant-numeric: tabular-nums;
}
.calc-formula {
  font-family: 'JetBrains Mono', ui-monospace, SFMono-Regular, Menlo, Consolas, monospace;
  font-size: 12.5px;
  color: var(--muted);
  margin-top: 8px;
  font-variant-numeric: tabular-nums;
  letter-spacing: -0.005em;
}
.calc-compare {
  font-size: 13px;
  color: var(--muted-bright);
  margin-top: 6px;
}
.calc-card[data-calc-card] .calc-bonus {
  font-size: 12.5px;
  color: var(--accent1);
  margin-top: 12px;
}
.calc-card[data-calc-card] .calc-cta {
  margin-top: 18px;
  display: inline-flex;
  align-items: center;
  gap: 8px;
}