:root{
  --navy:#0B1120;--ink:#E2E8F0;--muted:#94A3B8;
  --teal:#2DD4BF;--teal2:#14B8A6;--green:#34D399;--blue:#3B82F6;--violet:#7C5CFC;
  --card:rgba(255,255,255,.05);--border:rgba(255,255,255,.10);--radius:18px;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:'IBM Plex Sans',system-ui,sans-serif;background:radial-gradient(circle at 50% -10%,#10233f 0%,var(--navy) 55%);color:var(--ink);line-height:1.6;overflow-x:hidden;-webkit-font-smoothing:antialiased;min-height:100vh}
a{color:inherit;text-decoration:none}
.wrap{max-width:1140px;margin:0 auto;padding:0 24px}
html.lenis,html.lenis body{height:auto}
.lenis.lenis-smooth{scroll-behavior:auto!important}

#bg3d{position:fixed;inset:0;z-index:-1;width:100%;height:100%;display:block}
.bg-blobs{position:fixed;inset:0;z-index:-1;overflow:hidden;pointer-events:none}
.bg-blobs i{position:absolute;border-radius:50%;filter:blur(90px);opacity:.4}
.bg-blobs i:nth-child(1){width:480px;height:480px;background:#1e3a8a;top:-120px;left:-80px}
.bg-blobs i:nth-child(2){width:420px;height:420px;background:#14b8a6;top:40%;right:-120px;opacity:.25}
.grid-overlay{position:fixed;inset:0;z-index:-1;pointer-events:none;background-image:linear-gradient(rgba(255,255,255,.022) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.022) 1px,transparent 1px);background-size:64px 64px;mask-image:radial-gradient(circle at 50% 30%,#000,transparent 78%)}

/* Preloader (home only) */
.pre{position:fixed;inset:0;z-index:200;background:var(--navy);display:flex;flex-direction:column;align-items:center;justify-content:center;gap:18px}
.pre .mk{width:62px;height:62px;border-radius:16px;background:linear-gradient(135deg,var(--teal),var(--teal2));display:grid;place-items:center;color:#04201b}
.pre .bar{width:160px;height:3px;background:rgba(255,255,255,.12);border-radius:3px;overflow:hidden}
.pre .bar i{display:block;height:100%;width:0;background:linear-gradient(90deg,var(--teal),#fff)}
.pre .pct{font-size:13px;color:var(--muted);letter-spacing:.1em}
html:not(.js) .pre{display:none}

/* Cursor */
.cursor,.cursor-dot{position:fixed;top:0;left:0;border-radius:50%;pointer-events:none;z-index:150;mix-blend-mode:difference}
.cursor{width:34px;height:34px;border:1.5px solid #fff;margin:-17px 0 0 -17px;transition:width .25s,height .25s,background .25s}
.cursor-dot{width:6px;height:6px;background:#fff;margin:-3px 0 0 -3px}
.cursor.grow{width:60px;height:60px;background:rgba(255,255,255,.12);border-color:transparent}
body.has-cursor,body.has-cursor a,body.has-cursor button{cursor:none}

/* Nav */
nav{position:fixed;top:0;left:0;right:0;z-index:50;transition:.3s}
nav.scrolled{background:rgba(11,17,32,.78);backdrop-filter:blur(14px);border-bottom:1px solid var(--border)}
.nav-in{display:flex;align-items:center;justify-content:space-between;height:72px}
.logo{display:flex;align-items:center;gap:10px;font-weight:700;font-size:19px}
.logo .mark{width:38px;height:38px;border-radius:11px;background:linear-gradient(135deg,#1E3A8A,var(--teal2));display:grid;place-items:center;color:#fff}
.nav-links{display:flex;gap:28px;align-items:center}
.nav-links a{color:var(--muted);font-size:15px;transition:.2s}
.nav-links a:hover,.nav-links a[aria-current=page]{color:#fff}
.btn{display:inline-flex;align-items:center;gap:8px;border-radius:12px;padding:12px 22px;font-weight:600;font-size:15px;cursor:pointer;border:none;transition:transform .2s,box-shadow .2s,background .2s;font-family:inherit;will-change:transform}
.btn-primary{background:linear-gradient(135deg,var(--teal),var(--teal2));color:#04201b;box-shadow:0 8px 24px rgba(45,212,191,.28)}
.btn-ghost{background:var(--card);color:#fff;border:1px solid var(--border)}
.btn-lg{padding:15px 28px;font-size:16px}

/* Hamburger + mobile menu */
.burger{display:none;flex-direction:column;gap:5px;background:none;border:none;cursor:pointer;padding:8px;z-index:60}
.burger span{width:24px;height:2px;background:#fff;border-radius:2px;transition:.3s}
.burger.open span:nth-child(1){transform:translateY(7px) rotate(45deg)}
.burger.open span:nth-child(2){opacity:0}
.burger.open span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}
.mobile-menu{position:fixed;inset:0;z-index:55;background:rgba(11,17,32,.97);backdrop-filter:blur(10px);display:flex;flex-direction:column;align-items:center;justify-content:center;gap:26px;opacity:0;pointer-events:none;transition:opacity .3s}
.mobile-menu.open{opacity:1;pointer-events:auto}
.mobile-menu a{color:#fff;font-size:22px;font-weight:500}
.mobile-menu a[aria-current=page]{color:var(--teal)}
@media(max-width:820px){.nav-links{display:none}.burger{display:flex}}

/* Hero */
header.hero-wrap{padding:150px 0 80px;position:relative}
.hero{display:grid;grid-template-columns:1.05fr .95fr;gap:40px;align-items:center}
.eyebrow{display:inline-flex;align-items:center;gap:8px;font-size:13px;font-weight:500;color:var(--teal);background:rgba(45,212,191,.10);border:1px solid rgba(45,212,191,.25);padding:7px 14px;border-radius:100px;margin-bottom:22px}
.eyebrow .dot{width:7px;height:7px;border-radius:50%;background:var(--teal)}
h1{font-size:clamp(2.3rem,5.2vw,3.9rem);line-height:1.07;font-weight:700;letter-spacing:-.02em}
h1 .word{display:inline-block}
.grad{background:linear-gradient(100deg,var(--teal),#fff 50%,var(--blue));-webkit-background-clip:text;background-clip:text;color:transparent;background-size:200% auto;animation:shine 6s linear infinite}
@keyframes shine{to{background-position:200% center}}
.lead{color:var(--muted);font-size:clamp(1rem,2vw,1.18rem);margin:22px 0 30px;max-width:560px}
.cta-row{display:flex;gap:14px;flex-wrap:wrap}
.hero-stats{display:flex;gap:30px;margin-top:38px;flex-wrap:wrap}
.hero-stats .n{font-size:26px;font-weight:700}
.hero-stats .l{font-size:13px;color:var(--muted)}
@media(max-width:880px){.hero{grid-template-columns:1fr;text-align:center}.lead{margin-inline:auto}.cta-row,.hero-stats{justify-content:center}}

/* Phone mockup */
.phone-wrap{display:flex;justify-content:center;perspective:1400px}
.phone{width:280px;border-radius:42px;background:#0a0f1c;padding:12px;border:1px solid var(--border);box-shadow:0 40px 90px rgba(0,0,0,.55)}
.screen{background:#F8FAFC;border-radius:32px;overflow:hidden;color:#0F172A}
.pstat{display:flex;justify-content:space-between;font-size:11px;color:#64748b;padding:9px 18px 4px}
.pbody{padding:6px 16px 18px}
.pgreet{font-size:12px;color:#64748b;margin-top:6px}.pname{font-size:15px;font-weight:600}
.balance{margin:12px 0;background:linear-gradient(135deg,#0F172A,#14B8A6);border-radius:18px;padding:18px;color:#fff}
.balance .t{font-size:11px;color:#d1fae5}.balance .v{font-size:24px;font-weight:700;margin-top:4px}.balance .v small{font-size:12px;color:#fff}
.chips{display:flex;gap:8px;margin:6px 0 12px}
.chip{flex:1;background:#fff;border:1px solid #e2e8f0;border-radius:12px;padding:9px;text-align:center}
.chip .c{font-size:9px;color:#64748b}.chip .a{font-size:11px;font-weight:600}
.tx{display:flex;justify-content:space-between;align-items:center;padding:8px 0;border-top:1px solid #eef2f6;font-size:12px}
.tx .neg{color:#dc2626;font-weight:600}.tx .pos{color:#16a34a;font-weight:600}

/* Marquee */
.marquee{border-block:1px solid var(--border);padding:18px 0;overflow:hidden;white-space:nowrap;background:rgba(255,255,255,.02)}
.marquee .track{display:inline-flex;gap:50px;animation:scrollx 26s linear infinite}
.marquee span{font-size:22px;font-weight:600;color:var(--muted);display:inline-flex;align-items:center;gap:50px}
.marquee span::after{content:"◆";color:var(--teal);font-size:13px}
@keyframes scrollx{to{transform:translateX(-50%)}}

/* Sections + page content */
main{padding-top:72px}
section{padding:80px 0;position:relative}
.page-head{padding:130px 0 30px;text-align:center}
.page-head .tag{color:var(--teal);font-weight:600;font-size:14px;letter-spacing:.08em;text-transform:uppercase}
.page-head h1{font-size:clamp(2rem,5vw,3rem);margin:12px 0}
.page-head p{color:var(--muted);font-size:18px;max-width:680px;margin:0 auto}
.sec-head{text-align:center;max-width:680px;margin:0 auto 56px}
.sec-head .tag{color:var(--teal);font-weight:600;font-size:14px;letter-spacing:.08em;text-transform:uppercase}
.sec-head h2{font-size:clamp(1.8rem,4vw,2.7rem);font-weight:700;margin:12px 0;letter-spacing:-.02em}
.sec-head p{color:var(--muted);font-size:17px}
.features{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
@media(max-width:880px){.features{grid-template-columns:1fr}}
.features.two{grid-template-columns:repeat(2,1fr)}
@media(max-width:760px){.features.two{grid-template-columns:1fr}}
.card{background:var(--card);border:1px solid var(--border);border-radius:var(--radius);padding:28px;backdrop-filter:blur(10px);transition:transform .25s,border-color .25s,background .25s}
.card:hover{transform:translateY(-6px);border-color:rgba(45,212,191,.4);background:rgba(255,255,255,.07)}
.ico{width:50px;height:50px;border-radius:14px;display:grid;place-items:center;background:rgba(59,130,246,.15);color:var(--blue);margin-bottom:18px}
.ico.t{background:rgba(45,212,191,.15);color:var(--teal)}.ico.v{background:rgba(124,92,252,.18);color:#a78bfa}
.card h3{font-size:19px;font-weight:600;margin-bottom:8px}.card p{color:var(--muted);font-size:15px}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;counter-reset:s}
@media(max-width:880px){.steps{grid-template-columns:1fr}}
.step{position:relative;padding:30px 26px;background:var(--card);border:1px solid var(--border);border-radius:var(--radius)}
.step::before{counter-increment:s;content:counter(s);position:absolute;top:-18px;left:26px;width:42px;height:42px;border-radius:12px;background:linear-gradient(135deg,var(--teal),var(--teal2));color:#04201b;display:grid;place-items:center;font-weight:700;font-size:18px}
.step h3{margin:14px 0 8px;font-size:18px}.step p{color:var(--muted);font-size:15px}

/* Prose (legal / about pages) */
.prose{max-width:760px;margin:0 auto;color:var(--ink)}
.prose h2{font-size:1.5rem;font-weight:600;margin:34px 0 12px}
.prose h3{font-size:1.15rem;font-weight:600;margin:24px 0 8px;color:#fff}
.prose p,.prose li{color:var(--muted);margin-bottom:12px}
.prose ul{padding-left:22px;margin-bottom:12px}
.prose strong{color:var(--ink)}
.prose a{color:var(--teal)}
.muted-date{color:var(--muted);font-size:14px;margin-bottom:24px;display:block}

/* FAQ */
.faq{max-width:760px;margin:0 auto}
details{background:var(--card);border:1px solid var(--border);border-radius:14px;padding:18px 22px;margin-bottom:12px}
details summary{cursor:pointer;font-weight:600;font-size:16px;list-style:none;display:flex;justify-content:space-between;align-items:center;gap:14px}
details summary::-webkit-details-marker{display:none}
details summary::after{content:"+";color:var(--teal);font-size:22px}
details[open] summary::after{content:"–"}
details p{color:var(--muted);margin-top:12px;font-size:15px}

/* Contact form */
.form{max-width:560px;margin:0 auto;display:flex;flex-direction:column;gap:14px}
.form label{font-size:14px;color:var(--muted)}
.form input,.form textarea{width:100%;background:rgba(255,255,255,.04);border:1px solid var(--border);border-radius:12px;padding:13px 14px;color:var(--ink);font-family:inherit;font-size:15px}
.form input:focus,.form textarea:focus{outline:none;border-color:var(--teal)}

/* CTA banner */
.cta-banner{background:linear-gradient(120deg,#0e2d2a,#0f172a);border:1px solid var(--border);border-radius:28px;padding:60px 40px;text-align:center;overflow:hidden}
.cta-banner h2{font-size:clamp(1.8rem,4vw,2.6rem);font-weight:700;margin-bottom:14px}
.cta-banner p{color:var(--muted);margin-bottom:28px;font-size:17px}

/* Footer */
footer{border-top:1px solid var(--border);padding:56px 0 30px;margin-top:40px}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:30px}
@media(max-width:760px){.footer-grid{grid-template-columns:1fr 1fr}}
.footer-col h4{font-size:14px;font-weight:600;margin-bottom:14px;color:#fff}
.footer-col a{display:block;color:var(--muted);font-size:14px;margin-bottom:9px;transition:.2s}
.footer-col a:hover{color:#fff}
.footer-col p{color:var(--muted);font-size:14px;max-width:260px}
.footer-bottom{border-top:1px solid var(--border);margin-top:36px;padding-top:22px;text-align:center;color:var(--muted);font-size:13px}

.reveal-init [data-reveal]{opacity:0}
@media(prefers-reduced-motion:reduce){
  [data-reveal]{opacity:1!important}
  .marquee .track,.grad{animation:none}
  .pre{display:none}
  html{scroll-behavior:auto}
}