/* ===== BCB Group clone — shared stylesheet ===== */
:root{
  --color-navy-dark:#09033A;
  --color-navy-footer:#050033;
  --color-blue-banner:#1700F5;
  --color-lavender:#E8E6FE;
  --color-purple-stat:#C94BFF;
  --color-body-text:#1D1D1B;
  --color-white:#FFFFFF;
  --color-divider:rgba(255,255,255,0.25);
}
*{box-sizing:border-box;margin:0;padding:0;}
html{scroll-behavior:smooth;}
body{font-family:"Hanken Grotesk",sans-serif;font-size:16px;line-height:1.5;color:var(--color-body-text);background:var(--color-white);}
img{display:block;max-width:100%;}
a{text-decoration:none;color:inherit;}
h1,h2,h3{font-family:"Libre Franklin",serif;}
h1{font-size:48px;font-weight:500;color:var(--color-white);letter-spacing:0.24px;line-height:1.15;}
h2{font-size:48px;font-weight:600;color:var(--color-body-text);line-height:1.1;}
.container{max-width:1200px;margin:0 auto;padding:0 24px;}
section{padding:80px 0;}

/* ===== BUTTONS ===== */
.btn{display:inline-block;cursor:pointer;font-family:"Hanken Grotesk",sans-serif;border-radius:6px;text-transform:uppercase;letter-spacing:0.24px;font-weight:800;transition:transform .15s ease, box-shadow .2s ease, opacity .2s ease;}
.btn:hover{transform:translateY(-1px);}
.btn-pink{background:linear-gradient(90deg,#F0D5FF 0%,#E6C0FF 100%);color:#0A1747;border:none;padding:10px 20px;font-size:16px;box-shadow:rgba(201,75,255,0.2) 0px 2px 12px 0px;}
.btn-primary{background:var(--color-navy-footer);color:#fff;border:none;padding:10px 20px;font-size:14px;}
.btn-outline{background:transparent;color:var(--color-navy-footer);border:0.8px solid var(--color-navy-footer);padding:12px 20px;font-size:14px;}
.btn-outline-white{background:transparent;color:#fff;border:1px solid #fff;padding:10px 20px;font-size:14px;}

/* ===== ANNOUNCEMENT BAR ===== */
.announce{position:sticky;top:0;z-index:999;background:var(--color-blue-banner);color:#fff;text-align:center;padding:10px 48px;font-size:14px;}
.announce a{font-weight:700;font-size:12px;text-decoration:underline;margin-left:8px;text-transform:uppercase;}
.announce .close{position:absolute;right:16px;top:50%;transform:translateY(-50%);background:none;border:none;color:#fff;font-size:18px;cursor:pointer;line-height:1;}

/* ===== NAVBAR ===== */
.navbar{position:sticky;top:40px;z-index:998;background:#fff;height:70px;display:flex;align-items:center;justify-content:space-between;box-shadow:0 2px 8px rgba(0,0,0,0.08);padding:0 24px;}
.navbar .logo img{height:40px;}
.navbar .logo{display:flex;align-items:center;}
.navbar .logo svg.brand-logo{height:38px;width:auto;display:block;}
.nav-links{display:flex;align-items:center;gap:8px;list-style:none;}
.nav-item{position:relative;}
.nav-trigger{background:none;border:none;cursor:pointer;font-family:"Hanken Grotesk",sans-serif;font-size:14px;font-weight:800;text-transform:uppercase;color:var(--color-navy-footer);padding:24px 14px;display:flex;align-items:center;gap:6px;text-decoration:none;}
.nav-trigger.has-caret::after{content:"\25BE";font-size:11px;opacity:.6;}
.dropdown{position:absolute;top:100%;left:0;background:#fff;border-radius:8px;box-shadow:0 8px 28px rgba(0,0,0,0.14);min-width:300px;padding:12px;opacity:0;visibility:hidden;transform:translateY(8px);transition:all .18s ease;}
.nav-item:hover .dropdown{opacity:1;visibility:visible;transform:translateY(0);}
.dropdown a{display:block;padding:9px 12px;border-radius:6px;font-size:14px;font-weight:700;color:var(--color-navy-footer);text-transform:none;letter-spacing:0;}
.dropdown a:hover{background:var(--color-lavender);}
.dropdown a .tag{display:inline-block;background:var(--color-purple-stat);color:#fff;font-size:9px;font-weight:800;padding:2px 6px;border-radius:4px;margin-right:6px;vertical-align:middle;}
.nav-cta{display:flex;align-items:center;gap:12px;}
.hamburger{display:none;background:none;border:none;cursor:pointer;flex-direction:column;gap:5px;}
.hamburger span{width:24px;height:2px;background:var(--color-navy-footer);display:block;}

/* ===== HERO (home) ===== */
.hero{background:var(--color-navy-dark);color:#fff;min-height:670px;padding:120px 0 80px;position:relative;overflow:hidden;}
.hero .container{display:grid;grid-template-columns:60% 40%;gap:40px;position:relative;z-index:2;}
.hero p.lead{font-size:18px;color:rgba(255,255,255,0.85);line-height:1.6;margin-top:24px;max-width:520px;}
.hero h1{max-width:560px;}
.hero .btn-pink{margin-top:36px;}
.kpi-col{text-align:right;display:flex;flex-direction:column;justify-content:center;}
.kpi{padding:24px 0;}
.kpi + .kpi{border-top:1px solid var(--color-divider);}
.kpi .num{font-family:"Libre Franklin",serif;font-size:52px;font-weight:600;color:var(--color-purple-stat);line-height:1;}
.kpi .label{font-size:14px;color:rgba(255,255,255,0.7);margin-top:10px;}
.hero lottie-player{width:520px;height:520px;position:absolute;right:-40px;top:50%;transform:translateY(-50%);opacity:0.65;z-index:1;pointer-events:none;}
.hero-video{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:center;z-index:0;pointer-events:none;}

/* ===== SUBPAGE HERO ===== */
.subhero{background:var(--color-navy-dark);color:#fff;padding:150px 0 90px;position:relative;overflow:hidden;}
.subhero .eyebrow{text-transform:uppercase;letter-spacing:1.5px;font-size:13px;font-weight:800;color:var(--color-purple-stat);margin-bottom:18px;}
.subhero h1{max-width:760px;font-size:52px;}
.subhero p{font-size:20px;color:rgba(255,255,255,0.85);line-height:1.6;margin-top:24px;max-width:640px;}
.subhero .btn-row{margin-top:36px;display:flex;gap:14px;flex-wrap:wrap;}
.subhero lottie-player{width:420px;height:420px;position:absolute;right:0;top:50%;transform:translateY(-50%);opacity:0.5;z-index:1;pointer-events:none;}
.subhero .container{position:relative;z-index:2;}

/* ===== PARTNERS ===== */
.partners{background:var(--color-navy-dark);padding:60px 0;}
.partners h2{color:#fff;font-size:36px;text-align:center;margin-bottom:40px;}
.partners-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:20px;}
.partner-cell{background:rgba(255,255,255,0.06);border-radius:12px;padding:24px;display:flex;align-items:center;justify-content:center;min-height:100px;}
.partner-cell img{max-height:40px;filter:brightness(0) invert(1);opacity:0.8;}
.partner-cell .plogo{height:28px;width:auto;max-width:100%;opacity:0.85;}

/* ===== WHY CHOOSE — TABBED ===== */
.why{background:#fff;}
.why .section-head{text-align:center;margin-bottom:48px;}
.why .section-head .eyebrow{text-transform:uppercase;letter-spacing:1.5px;font-size:13px;font-weight:800;color:var(--color-purple-stat);margin-bottom:14px;}
.tabs{display:flex;gap:8px;justify-content:center;flex-wrap:wrap;margin-bottom:48px;}
.tab-btn{background:#F3F2FB;border:1px solid transparent;border-radius:40px;padding:12px 22px;font-family:"Hanken Grotesk";font-weight:800;font-size:13px;text-transform:uppercase;letter-spacing:.5px;color:var(--color-navy-footer);cursor:pointer;display:flex;align-items:center;gap:10px;transition:all .2s ease;}
.tab-btn img{width:22px;height:22px;}
.tab-btn.active{background:var(--color-navy-footer);color:#fff;}
.tab-btn.active img{filter:brightness(0) invert(1);}
.tab-panel{display:none;}
.tab-panel.active{display:grid;grid-template-columns:52% 48%;gap:56px;align-items:center;animation:fade .35s ease;}
@keyframes fade{from{opacity:0;transform:translateY(8px);}to{opacity:1;transform:none;}}
.tab-panel .label-row{display:flex;align-items:center;gap:12px;margin-bottom:8px;}
.tab-panel .label-row img{width:28px;height:28px;}
.tab-panel .label-row span{font-size:18px;font-weight:600;color:var(--color-navy-footer);}
.tab-panel h2{margin-bottom:24px;}
.tab-panel p{margin-bottom:18px;}
.tab-panel p.bold{font-weight:700;font-size:20px;line-height:1.45;}
.tab-panel p a{color:var(--color-blue-banner);text-decoration:underline;font-weight:700;}
.tab-panel .btn-row{display:flex;gap:14px;flex-wrap:wrap;margin-top:28px;}
.tab-panel .media lottie-player{width:100%;height:420px;}

/* ===== STACKED FEATURE SECTIONS (home) ===== */
.feature{background:#fff;}
.feature.alt{background:#FAFAFA;}
.feature .container{display:grid;grid-template-columns:52% 48%;gap:56px;align-items:center;}
.feature.reverse .text{order:2;}
.feature.reverse .media{order:1;}
.feature .label-row{display:flex;align-items:center;gap:12px;margin-bottom:8px;}
.feature .label-row img{width:28px;height:28px;}
.feature .label-row span{font-size:18px;font-weight:600;color:var(--color-navy-footer);}
.feature h2{margin-bottom:24px;}
.feature p{margin-bottom:18px;color:var(--color-body-text);}
.feature p.bold{font-weight:700;font-size:20px;line-height:1.45;}
.feature p a{color:var(--color-blue-banner);text-decoration:underline;font-weight:700;}
.feature .btn-row{display:flex;gap:14px;flex-wrap:wrap;margin-top:28px;}
.feature .media lottie-player{width:100%;height:420px;}

/* ===== VIDEO BAND ===== */
.video-band{padding:0;background:var(--color-navy-dark);overflow:hidden;}
.video-band video{display:block;width:100%;height:auto;max-height:620px;object-fit:cover;}

/* ===== USPS — Why choose ===== */
.usps{background:var(--color-navy-dark);color:#fff;}
.usps .section-head{margin-bottom:48px;}
.usps .section-head .eyebrow{text-transform:uppercase;letter-spacing:1.5px;font-size:13px;font-weight:800;color:var(--color-purple-stat);margin-bottom:14px;}
.usps h2{color:#fff;}
.usps .usps-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:28px;}
.usps .usp{background:rgba(255,255,255,0.05);border:1px solid rgba(255,255,255,0.10);border-radius:14px;padding:32px 28px;}
.usps .usp .ico{width:46px;height:46px;border-radius:10px;background:rgba(201,75,255,0.18);display:flex;align-items:center;justify-content:center;margin-bottom:18px;}
.usps .usp .ico img{width:24px;height:24px;filter:brightness(0) invert(1);}
.usps .usp h3{font-size:21px;font-weight:600;margin-bottom:12px;color:#fff;}
.usps .usp p{font-size:15px;line-height:1.55;color:rgba(255,255,255,0.72);}

/* ===== PRODUCT TABS (Integrated) ===== */
.product-tabs{background:#FAFAFA;}
.product-tabs .section-head{margin-bottom:40px;}
.product-tabs .section-head .eyebrow{text-transform:uppercase;letter-spacing:1.5px;font-size:13px;font-weight:800;color:var(--color-purple-stat);margin-bottom:14px;}

/* ===== GENERIC FEATURE GRID (subpages) ===== */
.feature-grid{background:#fff;}
.feature-grid .grid{display:grid;grid-template-columns:repeat(3,1fr);gap:28px;}
.card{border:1px solid #eceaf6;border-radius:14px;padding:32px 28px;background:#fff;transition:box-shadow .2s ease, transform .2s ease;}
.card:hover{box-shadow:0 12px 32px rgba(9,3,58,0.08);transform:translateY(-3px);}
.card .ico{width:44px;height:44px;border-radius:10px;background:var(--color-lavender);display:flex;align-items:center;justify-content:center;margin-bottom:18px;}
.card .ico img{width:24px;height:24px;}
.card h3{font-size:20px;font-weight:600;margin-bottom:10px;color:var(--color-navy-footer);}
.card p{font-size:15px;color:#444;line-height:1.55;}
.section-intro{max-width:720px;margin-bottom:48px;}
.section-intro .eyebrow{text-transform:uppercase;letter-spacing:1.5px;font-size:13px;font-weight:800;color:var(--color-purple-stat);margin-bottom:14px;}
.section-intro p{font-size:18px;color:#444;margin-top:16px;line-height:1.6;}

/* ===== SPLIT SECTION (subpages) ===== */
.split{background:#FAFAFA;}
.split .container{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center;}
.split.reverse .text{order:2;}
.split.reverse .media{order:1;}
.split h2{margin-bottom:20px;font-size:40px;}
.split p{margin-bottom:16px;color:#333;}
.split .media lottie-player{width:100%;height:380px;}

/* ===== TESTIMONIALS ===== */
.testimonials{background:var(--color-lavender);padding:80px 0;}
.testimonials .section-label{text-transform:uppercase;font-size:20px;font-weight:700;color:var(--color-navy-footer);margin-bottom:40px;}
.testi-scroll{display:flex;gap:24px;overflow-x:auto;padding-bottom:24px;scroll-snap-type:x mandatory;}
.testi-scroll::-webkit-scrollbar{height:8px;}
.testi-scroll::-webkit-scrollbar-thumb{background:rgba(5,0,51,0.25);border-radius:4px;}
.testi-card{min-width:700px;display:grid;grid-template-columns:65% 35%;gap:24px;padding:0 30px;scroll-snap-align:start;border-left:1px solid rgba(5,0,51,0.15);}
.testi-quote{font-size:20px;line-height:1.5;color:var(--color-body-text);font-style:italic;}
.testi-meta .name{font-weight:700;font-size:20px;}
.testi-meta .role{font-size:16px;color:#444;margin-top:4px;}
.testi-meta .avatar{width:64px;height:64px;border-radius:50%;object-fit:cover;margin-top:12px;}

/* ===== CTA ===== */
.cta{background:var(--color-navy-dark);color:#fff;text-align:center;padding:90px 0;}
.cta h2{color:#fff;margin-bottom:16px;}
.cta p{font-size:18px;color:rgba(255,255,255,0.8);margin-bottom:32px;}

/* ===== FOOTER ===== */
.footer{background:var(--color-navy-footer);color:#fff;padding:64px 0 40px;}
.footer-brandbar{display:flex;align-items:center;justify-content:space-between;gap:24px;padding-bottom:40px;margin-bottom:40px;border-bottom:1px solid var(--color-divider);flex-wrap:wrap;}
.footer-logo svg.brand-logo{height:34px;width:auto;display:block;}
.footer-logo svg.brand-logo text{fill:#fff;}
.footer-actions{display:flex;gap:12px;}
.footer-top{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.4fr;gap:40px;margin-bottom:48px;}
.footer-cta h3{font-family:"Libre Franklin";font-size:26px;font-weight:600;color:#fff;margin-bottom:20px;max-width:300px;}
.doc{padding:72px 0;}
.doc .container{display:grid;grid-template-columns:260px 1fr;gap:56px;align-items:start;}
.doc-toc{position:sticky;top:130px;}
.doc-toc .toc-title{font-size:12px;font-weight:800;text-transform:uppercase;letter-spacing:1px;color:#888;margin-bottom:14px;}
.doc-toc ul{list-style:none;border-left:2px solid #eceaf6;}
.doc-toc li a{display:block;padding:7px 16px;font-size:14px;color:#555;line-height:1.35;}
.doc-toc li a:hover{color:var(--color-blue-banner);border-left:2px solid var(--color-blue-banner);margin-left:-2px;}
.doc-body{max-width:780px;}
.doc-body .lead-doc{font-size:20px;font-weight:600;color:var(--color-body-text);margin-bottom:18px;line-height:1.5;}
.doc-body p{margin-bottom:16px;color:#444;line-height:1.6;}
.doc-section{padding:18px 0;border-top:1px solid #f0eff6;margin-top:14px;}
.doc-section h2{font-size:24px;margin-bottom:10px;color:var(--color-navy-footer);}
.doc-note{margin-top:28px;font-size:15px;}
.doc a{color:var(--color-blue-banner);text-decoration:underline;}
@media (max-width:768px){.doc .container{grid-template-columns:1fr;}.doc-toc{display:none;}}
.footer h4{font-size:13px;text-transform:uppercase;letter-spacing:1px;margin-bottom:18px;opacity:.6;font-family:"Hanken Grotesk";font-weight:800;}
.footer ul{list-style:none;}
.footer ul li{margin-bottom:12px;}
.footer ul li a{font-size:14px;opacity:.85;}
.footer ul li a:hover{opacity:1;text-decoration:underline;}
.footer .disclaimer{border-top:1px solid var(--color-divider);padding-top:28px;font-size:12px;line-height:1.6;opacity:.6;margin-bottom:24px;}
.footer-bottom{border-top:1px solid var(--color-divider);padding-top:28px;display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:16px;font-size:13px;opacity:.7;}
.footer-bottom .legal{display:flex;gap:18px;flex-wrap:wrap;}

/* ===== GLOW EFFECTS on dark sections ===== */
.subhero{background:radial-gradient(900px 500px at 85% 30%, rgba(201,75,255,0.28), transparent 60%), radial-gradient(700px 500px at 10% 90%, rgba(23,0,245,0.30), transparent 55%), var(--color-navy-dark);}
.hero{background:radial-gradient(800px 500px at 78% 40%, rgba(201,75,255,0.20), transparent 60%), var(--color-navy-dark);}
.usps{background:radial-gradient(700px 400px at 80% 10%, rgba(201,75,255,0.16), transparent 60%), var(--color-navy-dark);}
.cta{background:radial-gradient(700px 400px at 50% 120%, rgba(201,75,255,0.25), transparent 60%), var(--color-navy-dark);}

/* ===== DETAIL / RAILS GRID ===== */
.detail-block{background:#FAFAFA;}
.detail-block .section-intro .eyebrow{text-transform:uppercase;letter-spacing:1.5px;font-size:13px;font-weight:800;color:var(--color-purple-stat);margin-bottom:14px;}
.rails-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:24px;}
.rail{background:#fff;border:1px solid #ecEAf6;border-radius:14px;padding:26px 28px;}
.rail h3{font-size:18px;color:var(--color-navy-footer);margin-bottom:14px;}
.rail ul{list-style:none;}
.rail li{padding:7px 0;border-top:1px solid #f2f1f8;font-size:15px;color:#444;display:flex;gap:10px;align-items:flex-start;}
.rail li:first-child{border-top:none;}
.rail li::before{content:"";flex:0 0 7px;height:7px;margin-top:7px;border-radius:50%;background:linear-gradient(90deg,#B6479D,#1700F5);}

/* ===== CURRENCY COVERAGE ===== */
.currencies{display:grid;grid-template-columns:repeat(2,1fr);gap:20px;}
.cur-group h4{font-size:13px;text-transform:uppercase;letter-spacing:1px;color:#888;margin-bottom:12px;}
.cur-chips{display:flex;flex-wrap:wrap;gap:8px;}
.cur-chips span{display:inline-block;background:#fff;border:1px solid #e6e3f2;border-radius:8px;padding:7px 12px;font-weight:700;font-size:13px;color:var(--color-navy-footer);}

/* ===== STEPS (how it works) ===== */
.steps{background:#fff;}
.steps .grid{display:grid;grid-template-columns:repeat(5,1fr);gap:20px;counter-reset:step;}
.step{position:relative;padding-top:14px;}
.step .num{width:40px;height:40px;border-radius:50%;background:linear-gradient(135deg,#B6479D,#1700F5);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:800;font-family:"Libre Franklin";margin-bottom:16px;}
.step h3{font-size:17px;color:var(--color-navy-footer);margin-bottom:8px;}
.step p{font-size:14px;color:#555;line-height:1.5;}

/* ===== SECTORS chips ===== */
.sectors-wrap{display:flex;flex-wrap:wrap;gap:12px;}
.sector{background:var(--color-lavender);border-radius:30px;padding:12px 22px;font-weight:700;color:var(--color-navy-footer);font-size:15px;}

/* ===== TEAM ===== */
.team{background:#fff;}
.team-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;}
.member{border:1px solid #eceaf6;border-radius:14px;padding:26px 22px;text-align:center;transition:box-shadow .2s,transform .2s;}
.member:hover{box-shadow:0 12px 30px rgba(9,3,58,0.08);transform:translateY(-3px);}
.member .av{width:84px;height:84px;border-radius:50%;margin:0 auto 16px;object-fit:cover;}
.member .mname{font-weight:700;font-size:17px;color:var(--color-navy-footer);}
.member .mrole{font-size:14px;color:#666;margin-top:4px;}
.member .mloc{font-size:12px;color:var(--color-purple-stat);font-weight:700;text-transform:uppercase;letter-spacing:.5px;margin-top:8px;}
.read-bio{margin-top:16px;background:none;border:1px solid #d8d4ee;border-radius:6px;padding:8px 16px;font-family:"Hanken Grotesk";font-weight:800;font-size:12px;text-transform:uppercase;letter-spacing:.5px;color:var(--color-navy-footer);cursor:pointer;transition:all .15s;}
.read-bio:hover{background:var(--color-navy-footer);color:#fff;border-color:var(--color-navy-footer);}
.bio-modal{position:fixed;inset:0;z-index:1000;background:rgba(9,3,58,0.55);display:none;align-items:center;justify-content:center;padding:24px;}
.bio-modal.show{display:flex;animation:fade .25s ease;}
.bio-card{background:#fff;border-radius:18px;max-width:460px;width:100%;padding:40px 36px;text-align:center;position:relative;box-shadow:0 24px 70px rgba(9,3,58,0.3);}
.bio-close{position:absolute;top:16px;right:18px;background:none;border:none;font-size:26px;line-height:1;color:#999;cursor:pointer;}
.bio-img{width:96px;height:96px;border-radius:50%;object-fit:cover;margin:0 auto 18px;}
.bio-name{font-family:"Libre Franklin";font-size:24px;font-weight:600;color:var(--color-navy-footer);}
.bio-role{font-size:14px;font-weight:700;text-transform:uppercase;letter-spacing:.5px;color:var(--color-purple-stat);margin-top:6px;}
.bio-text{margin-top:18px;color:#555;line-height:1.6;font-size:16px;}

/* ===== TIMELINE ===== */
.timeline{background:#FAFAFA;}
.tl{border-left:2px solid #e1ddf2;margin-left:8px;}
.tl-item{position:relative;padding:0 0 28px 32px;}
.tl-item::before{content:"";position:absolute;left:-9px;top:2px;width:16px;height:16px;border-radius:50%;background:linear-gradient(135deg,#B6479D,#1700F5);border:3px solid #fff;}
.tl-item .yr{font-weight:800;color:var(--color-blue-banner);font-size:15px;font-family:"Libre Franklin";}
.tl-item p{font-size:15px;color:#444;margin-top:4px;}

/* ===== STATS BAND (animated) ===== */
.stats-band{background:radial-gradient(700px 380px at 50% 0%, rgba(201,75,255,0.18), transparent 60%), var(--color-navy-dark);color:#fff;}
.stats-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:32px;text-align:center;}
.stat-num{font-family:"Libre Franklin";font-size:56px;font-weight:600;color:var(--color-purple-stat);line-height:1;}
.stat-label{font-size:15px;color:rgba(255,255,255,0.72);margin-top:12px;}

/* ===== AWARDS ===== */
.awards-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;}
.award-yr{background:#fff;border:1px solid #eceaf6;border-radius:14px;padding:26px 24px;}
.award-yr .ayr{font-family:"Libre Franklin";font-weight:700;font-size:24px;color:var(--color-blue-banner);margin-bottom:14px;}
.award-yr ul{list-style:none;}
.award-yr li{padding:9px 0;border-top:1px solid #f2f1f8;font-size:14px;color:#444;line-height:1.45;}
.award-yr li:first-child{border-top:none;}

/* ===== REGULATORS TABLE ===== */
.regs{width:100%;border-collapse:collapse;}
.regs th,.regs td{text-align:left;padding:16px 18px;border-bottom:1px solid #eceaf6;font-size:15px;}
.regs th{font-size:12px;text-transform:uppercase;letter-spacing:1px;color:#888;}
.regs td:first-child{font-weight:700;color:var(--color-navy-footer);}

/* ===== BENEFITS ===== */
.benefits-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;}
.benefit{background:#fff;border:1px solid #eceaf6;border-radius:14px;padding:26px;}
.benefit h3{font-size:17px;color:var(--color-navy-footer);margin-bottom:8px;}
.benefit p{font-size:14px;color:#555;line-height:1.5;}

/* ===== FAQ accordion ===== */
.faq{background:#fff;}
.faq .section-intro{margin-bottom:32px;}
.faq-list{max-width:860px;}
.faq-item{border-bottom:1px solid #eceaf6;}
.faq-q{width:100%;background:none;border:none;text-align:left;padding:22px 40px 22px 0;font-family:"Hanken Grotesk";font-weight:700;font-size:18px;color:var(--color-navy-footer);cursor:pointer;position:relative;}
.faq-q::after{content:"+";position:absolute;right:8px;top:50%;transform:translateY(-50%);font-size:24px;color:var(--color-purple-stat);transition:transform .2s;}
.faq-item.open .faq-q::after{content:"\2212";}
.faq-a{max-height:0;overflow:hidden;transition:max-height .3s ease;}
.faq-a p{padding:0 0 22px;color:#555;line-height:1.6;font-size:16px;}
.faq-item.open .faq-a{max-height:400px;}

/* ===== INSIGHTS (light page) ===== */
.insights-hub{background:#fff;}
.filter-pills{display:flex;flex-wrap:wrap;gap:10px;margin-bottom:40px;}
.filter-pills span{border:1px solid #e6e3f2;border-radius:30px;padding:8px 16px;font-size:13px;font-weight:700;color:#555;cursor:pointer;}
.filter-pills span.active{background:var(--color-navy-footer);color:#fff;border-color:var(--color-navy-footer);}
.articles-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:28px;}
.article{border:1px solid #eceaf6;border-radius:14px;overflow:hidden;transition:box-shadow .2s,transform .2s;}
.article:hover{box-shadow:0 12px 30px rgba(9,3,58,0.08);transform:translateY(-3px);}
.article .thumb{height:150px;background:linear-gradient(135deg,#09033A,#1700F5);}
.article .a-body{padding:22px;}
.article .a-cat{font-size:12px;font-weight:800;text-transform:uppercase;letter-spacing:.5px;color:var(--color-purple-stat);}
.article h3{font-size:18px;color:var(--color-navy-footer);margin:10px 0;line-height:1.3;}

/* ===== CONTACT PAGE (light) ===== */
.contact-page{background:#fff;}
.breadcrumb{padding:22px 0 0;font-size:13px;color:#999;}
.breadcrumb a{color:#999;}
.breadcrumb a:hover{color:var(--color-blue-banner);}
.breadcrumb .cur{color:var(--color-navy-footer);font-weight:700;}
.contact-wrap{display:grid;grid-template-columns:1fr 1.15fr;gap:64px;padding:36px 0 90px;align-items:start;}
.contact-left h1{color:var(--color-body-text);font-size:46px;margin-bottom:16px;}
.contact-left .sub{font-size:22px;font-weight:600;color:var(--color-navy-footer);margin-bottom:16px;}
.contact-left p{color:#555;font-size:17px;line-height:1.6;margin-bottom:28px;max-width:420px;}
.contact-social{display:flex;gap:14px;}
.contact-social a{width:46px;height:46px;border-radius:10px;border:1px solid #e6e3f2;display:flex;align-items:center;justify-content:center;font-weight:800;color:var(--color-navy-footer);font-size:15px;transition:all .18s;}
.contact-social a:hover{background:var(--color-navy-footer);color:#fff;border-color:var(--color-navy-footer);}
.contact-form{background:#fff;border:1px solid #eceaf6;border-radius:16px;padding:36px;box-shadow:0 14px 44px rgba(9,3,58,0.07);}
.contact-form .step-q{font-size:18px;font-weight:700;color:var(--color-navy-footer);margin-bottom:6px;}
.contact-form .step-hint{font-size:14px;color:var(--color-blue-banner);margin-bottom:20px;}
.radio-opt{display:flex;align-items:flex-start;gap:12px;border:1px solid #e6e3f2;border-radius:10px;padding:15px 16px;margin-bottom:12px;cursor:pointer;transition:border-color .15s,background .15s;}
.radio-opt:hover{border-color:#c3bdec;}
.radio-opt input{margin-top:3px;accent-color:var(--color-blue-banner);}
.radio-opt.sel{border-color:var(--color-blue-banner);background:#f6f5ff;}
.radio-opt span{font-size:15px;color:var(--color-body-text);font-weight:600;}
.form-step2{display:none;margin-top:8px;}
.form-step2.show{display:block;animation:fade .3s ease;}
.field{margin-bottom:16px;}
.field label{display:block;font-size:14px;font-weight:700;color:var(--color-navy-footer);margin-bottom:7px;}
.field label .opt{font-weight:400;color:#999;}
.field input[type=text],.field select{width:100%;border:1px solid #e0ddee;border-radius:9px;padding:12px 14px;font-family:"Hanken Grotesk";font-size:15px;color:var(--color-body-text);background:#fff;}
.field input:focus,.field select:focus{outline:none;border-color:var(--color-blue-banner);}
.field .hint{font-size:12px;color:#999;margin-top:5px;}
.checks{display:grid;grid-template-columns:1fr 1fr;gap:10px;}
.check{display:flex;align-items:center;gap:9px;font-size:14px;color:var(--color-body-text);border:1px solid #e6e3f2;border-radius:8px;padding:11px 12px;cursor:pointer;}
.check input{accent-color:var(--color-blue-banner);}
.recaptcha{margin:20px 0;display:flex;align-items:center;gap:12px;border:1px solid #d3d3d3;border-radius:6px;padding:12px 14px;width:300px;max-width:100%;background:#f9f9f9;}
.recaptcha .box{width:24px;height:24px;border:2px solid #c1c1c1;border-radius:3px;background:#fff;}
.recaptcha .lbl{font-size:14px;color:#555;}
.recaptcha{cursor:pointer;user-select:none;}
.recaptcha .box{position:relative;transition:border-color .15s;}
.recaptcha.checked .box{border-color:#1aa364;background:#1aa364;}
.recaptcha.checked .box::after{content:"\2713";position:absolute;inset:0;color:#fff;font-size:16px;font-weight:800;display:flex;align-items:center;justify-content:center;}
.recaptcha.shake{animation:rcshake .4s;}
@keyframes rcshake{0%,100%{transform:translateX(0)}25%{transform:translateX(-6px)}75%{transform:translateX(6px)}}
.recaptcha .rc-logo{margin-left:auto;font-size:10px;color:#9aa;text-align:center;line-height:1.2;}
.form-success{display:none;text-align:center;padding:24px 8px;}
.form-success.show{display:block;animation:fade .35s ease;}
.form-success .tick{width:64px;height:64px;border-radius:50%;background:linear-gradient(135deg,#B6479D,#1700F5);color:#fff;font-size:32px;display:flex;align-items:center;justify-content:center;margin:0 auto 18px;}
.form-success h3{font-size:24px;color:var(--color-navy-footer);margin-bottom:10px;}
.form-success p{color:#555;font-size:16px;line-height:1.6;max-width:380px;margin:0 auto;}
.contact-form .btn{margin-top:6px;}
.contact-disclaimer{background:var(--color-navy-footer);color:rgba(255,255,255,0.6);padding:48px 0;}
.contact-disclaimer h4{color:#fff;font-size:13px;text-transform:uppercase;letter-spacing:1px;margin-bottom:16px;opacity:.7;}
.contact-disclaimer p{font-size:12.5px;line-height:1.7;margin-bottom:10px;max-width:980px;}

/* ===== RESPONSIVE ===== */
@media (max-width:768px){
  .rails-grid,.currencies,.team-grid,.benefits-grid,.articles-grid{grid-template-columns:1fr;}
  .contact-wrap{grid-template-columns:1fr;gap:36px;}
  .contact-left h1{font-size:34px;}
  .checks{grid-template-columns:1fr;}
  .steps .grid{grid-template-columns:1fr 1fr;}
  h1{font-size:34px;}
  h2{font-size:30px;}
  section{padding:56px 0;}
  .nav-links,.nav-cta{display:none;}
  .hamburger{display:flex;}
  .hero{padding:64px 0 56px;min-height:auto;}
  .hero .container{grid-template-columns:1fr;}
  .kpi-col{text-align:left;margin-top:24px;}
  .hero lottie-player,.subhero lottie-player,.hero-video{display:none;}
  .subhero{padding:90px 0 60px;}
  .subhero h1{font-size:34px;}
  .partners-grid{grid-template-columns:repeat(2,1fr);}
  .tab-panel.active{grid-template-columns:1fr;}
  .tab-panel .media{order:-1;}
  .feature-grid .grid{grid-template-columns:1fr;}
  .split .container{grid-template-columns:1fr;}
  .split.reverse .text{order:1;}
  .split.reverse .media{order:2;}
  .testi-card{min-width:85vw;grid-template-columns:1fr;padding:0 16px;}
  .footer-top{grid-template-columns:1fr 1fr;}
}