/* =========================================================================
   Grow Money Financial Service — static site stylesheet
   Matched to the live grow-money.figma.site design system.
   White theme · Inter · blue-600 accents · rounded-lg · gray-50 cards.
   ========================================================================= */

/* ---------- Design tokens (Tailwind-matched) ---------- */
:root {
  --blue-950:  #172554;
  --blue-900:  #1e3a8a;
  --blue-800:  #1e40af;
  --blue-700:  #1d4ed8;
  --blue-600:  #2563eb;   /* primary */
  --blue-500:  #3b82f6;
  --blue-400:  #60a5fa;
  --blue-100:  #dbeafe;
  --blue-50:   #eff6ff;

  --gray-950:  #030712;   /* footer */
  --gray-900:  #111827;   /* headings */
  --gray-700:  #374151;   /* body */
  --gray-600:  #4b5563;
  --gray-500:  #6b7280;   /* muted */
  --gray-400:  #9ca3af;
  --gray-200:  #e5e7eb;   /* input borders */
  --gray-100:  #f3f4f6;   /* card borders */
  --gray-50:   #f9fafb;   /* soft sections / cards */

  --green-500: #22c55e;
  --green-600: #16a34a;
  --green-50:  #f0fdf4;
  --amber-500: #f59e0b;

  /* semantic aliases (kept so existing markup keeps working) */
  --brand:     var(--blue-600);
  --brand-600: var(--blue-700);
  --brand-400: var(--blue-400);
  --brand-50:  var(--blue-50);
  --ink:       var(--gray-900);
  --text:      var(--gray-700);
  --muted:     var(--gray-500);
  --line:      var(--gray-100);
  --bg:        #ffffff;
  --bg-soft:   var(--gray-50);
  --bg-soft-2: var(--gray-100);
  --navy-900:  var(--blue-950);
  --navy-700:  var(--blue-900);
  --gold:      #f59e0b;
  --ok:        var(--green-600);

  --radius:      12px;
  --radius-lg:   16px;
  --radius-xl:   24px;
  --radius-pill: 999px;
  --shadow-sm:   0 1px 2px rgba(17,24,39,.06);
  --shadow:      0 12px 30px -14px rgba(17,24,39,.18);
  --shadow-lg:   0 28px 60px -24px rgba(17,24,39,.28);
  --container:   1200px;
  --ease:        cubic-bezier(.22,.61,.36,1);

  --font-sans:   "Inter", system-ui, -apple-system, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  --font-serif:  "Fraunces", Georgia, "Times New Roman", serif;
}

/* ---------- Reset ---------- */
*, *::before, *::after { box-sizing: border-box; }
* { margin: 0; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
body {
  font-family: var(--font-sans);
  color: var(--gray-700);
  background: #fff;
  line-height: 1.6;
  font-size: 17px;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
  overflow-x: hidden;
}
img, svg { display: block; max-width: 100%; }
a { color: inherit; text-decoration: none; }
button { font: inherit; cursor: pointer; }
ul { list-style: none; padding: 0; }
h1, h2, h3, h4 { color: var(--gray-900); line-height: 1.12; font-weight: 800; letter-spacing: -.02em; }
::selection { background: var(--blue-100); color: var(--blue-900); }

/* ---------- Layout helpers ---------- */
.container { width: 100%; max-width: var(--container); margin: 0 auto; padding: 0 24px; }
.section { padding: 90px 0; }
.section-sm { padding: 60px 0; }
.center { text-align: center; }
.max-720 { max-width: 720px; margin-left: auto; margin-right: auto; }
.grid { display: grid; gap: 24px; }
@media (min-width: 720px){ .g-2 { grid-template-columns: repeat(2,1fr); } }
@media (min-width: 900px){ .g-3 { grid-template-columns: repeat(3,1fr); } .g-4 { grid-template-columns: repeat(4,1fr); } }

/* ---------- Typography ---------- */
.eyebrow {
  display: block;
  font-size: 12px; font-weight: 700;
  letter-spacing: .2em; text-transform: uppercase;
  color: var(--blue-700); margin-bottom: 16px;
}
.eyebrow.on-dark { color: var(--blue-400); }
.display {
  font-weight: 800; letter-spacing: -.03em; line-height: 1.06;
  font-size: clamp(2.2rem, 5vw, 3.4rem); color: var(--gray-900);
}
.display .accent { color: var(--blue-600); }
.lede { font-size: 1.16rem; color: var(--gray-500); line-height: 1.6; }
.section-head { max-width: 740px; margin: 0 auto 56px; text-align: center; }
.section-head h2 { font-weight: 800; font-size: clamp(1.9rem, 4vw, 2.7rem); letter-spacing: -.03em; }
.section-head h2 .accent { color: var(--blue-600); }
.section-head p { margin-top: 16px; color: var(--gray-500); font-size: 1.12rem; }

/* ---------- Buttons (rounded-lg, bold) ---------- */
.btn {
  display: inline-flex; align-items: center; gap: 9px;
  padding: 13px 24px; border-radius: var(--radius);
  font-weight: 700; font-size: .95rem; border: 2px solid transparent;
  transition: background .2s var(--ease), color .2s, border-color .2s, box-shadow .2s, transform .2s;
  white-space: nowrap;
}
.btn .arrow { transition: transform .2s var(--ease); }
.btn:hover .arrow { transform: translateX(4px); }
.btn-primary { background: var(--blue-600); color: #fff; box-shadow: 0 10px 22px -10px rgba(37,99,235,.6); }
.btn-primary:hover { background: var(--blue-700); box-shadow: 0 16px 30px -12px rgba(37,99,235,.65); }
.btn-ghost { background: #fff; color: var(--gray-600); border-color: var(--gray-200); }
.btn-ghost:hover { border-color: var(--blue-600); color: var(--blue-700); background: var(--blue-50); }
.btn-on-dark { background: rgba(255,255,255,.1); color: #fff; border-color: rgba(255,255,255,.25); }
.btn-on-dark:hover { background: rgba(255,255,255,.18); }
.btn-light { background: #fff; color: var(--blue-700); }
.btn-light:hover { background: var(--blue-50); }
.btn-block { width: 100%; justify-content: center; }
.btn-lg { padding: 16px 30px; font-size: 1.02rem; }

/* ---------- Header / Nav ---------- */
.site-header {
  position: fixed; top: 0; left: 0; right: 0; z-index: 50;
  background: #fff; padding: 14px 0;
  transition: padding .25s var(--ease), box-shadow .25s, background .25s;
}
.site-header.scrolled {
  padding: 8px 0; background: rgba(255,255,255,.95);
  backdrop-filter: saturate(180%) blur(10px); box-shadow: var(--shadow-sm);
}
.nav { width: 100%; display: flex; align-items: center; justify-content: space-between; }
.brand { display: flex; align-items: center; gap: 9px; font-weight: 800; font-size: 1.2rem; color: var(--gray-900); letter-spacing: -.02em; }
.brand .logo { width: 30px; height: 30px; }
.nav-links { display: none; align-items: center; gap: 28px; }
.nav-links a { font-size: .92rem; font-weight: 700; color: var(--gray-700); position: relative; padding: 4px 2px; transition: color .2s; }
.nav-links a::after { content: ""; position: absolute; left: 0; right: 0; bottom: -3px; height: 2px; width: 0; margin: 0 auto; background: var(--blue-600); transition: width .25s var(--ease); }
.nav-links a:hover, .nav-links a.active { color: var(--blue-700); }
.nav-links a:hover::after, .nav-links a.active::after { width: 100%; }
.nav-cta { display: flex; align-items: center; gap: 12px; }
.nav-signin { display: none; }
.menu-btn { display: inline-flex; padding: 8px; border: 0; background: transparent; color: var(--gray-900); border-radius: 10px; }
.menu-btn:hover { background: var(--gray-100); }
@media (min-width: 1000px) {
  .nav-links { display: flex; }
  .nav-signin { display: inline-flex; }
  .menu-btn { display: none; }
}

/* Mobile menu */
.mobile-menu {
  position: fixed; inset: 0; z-index: 49; background: #fff;
  display: flex; flex-direction: column; align-items: stretch; justify-content: center; gap: 4px;
  padding: 80px 24px 24px; opacity: 0; pointer-events: none; transition: opacity .25s var(--ease);
}
.mobile-menu.open { opacity: 1; pointer-events: auto; }
.mobile-menu a { font-size: 1.05rem; font-weight: 700; color: var(--gray-700); padding: 14px 16px; border-radius: 10px; text-align: center; }
.mobile-menu a:hover { color: var(--blue-700); background: var(--gray-50); }
.mobile-menu .btn { margin-top: 8px; text-align: center; justify-content: center; }

/* ---------- Hero (light) ---------- */
.hero { background: #fff; padding: 130px 0 80px; }
.hero-grid { display: grid; gap: 50px; align-items: center; }
@media (min-width: 940px){ .hero-grid { grid-template-columns: 1.05fr .95fr; } }
.hero h1 { color: var(--gray-900); font-weight: 800; font-size: clamp(2.4rem, 5.2vw, 3.9rem); letter-spacing: -.035em; line-height: 1.05; }
.hero h1 .accent { color: var(--blue-600); }
.hero p.lede { color: var(--gray-500); margin: 22px 0 32px; max-width: 540px; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 14px; }
.hero-trust { margin-top: 40px; display: flex; flex-wrap: wrap; gap: 36px; }
.hero-trust .stat .n { font-size: 1.9rem; font-weight: 800; color: var(--gray-900); letter-spacing: -.02em; }
.hero-trust .stat .l { font-size: .82rem; color: var(--gray-500); }

/* Hero visual: blue gradient panel + floating white stat card */
.hero-visual {
  position: relative; border-radius: var(--radius-xl); overflow: hidden;
  min-height: 460px; padding: 28px;
  background:
    linear-gradient(to top, rgba(23,37,84,.94) 0%, rgba(30,64,175,.55) 55%, rgba(37,99,235,.32) 100%),
    url("hero.jpg") center/cover no-repeat;
  box-shadow: var(--shadow-lg);
}
.hero-visual::before {
  content: ""; position: absolute; inset: 0;
  background-image: radial-gradient(rgba(255,255,255,.06) 1px, transparent 1px);
  background-size: 22px 22px; opacity: .5;
}
.hero-visual .tagline { position: relative; color: #fff; font-weight: 600; max-width: 300px; text-shadow: 0 1px 12px rgba(8,15,40,.55); }
.hero-card {
  position: absolute; left: 24px; right: 24px; bottom: 24px;
  background: rgba(255,255,255,.97); backdrop-filter: blur(6px);
  border-radius: var(--radius-lg); padding: 22px; box-shadow: var(--shadow-lg);
}
.hero-card .row { display: flex; justify-content: space-between; align-items: flex-end; margin-bottom: 16px; }
.hero-card .row .label { font-size: .78rem; color: var(--gray-500); }
.hero-card .row .big { font-size: 1.9rem; font-weight: 800; color: var(--gray-900); letter-spacing: -.02em; }
.hero-card .row .up { color: var(--green-600); font-weight: 700; font-size: .85rem; }
.bars { display: flex; align-items: flex-end; gap: 10px; height: 110px; }
.bars .bar { flex: 1; background: linear-gradient(180deg, var(--blue-400), var(--blue-600)); border-radius: 6px 6px 0 0; animation: growbar 1.1s var(--ease) both; }
.bars .bar.muted { background: var(--gray-200); }
@keyframes growbar { from { height: 0 !important; opacity: .2; } }
.hero-card .legend { display: flex; gap: 16px; margin-top: 14px; font-size: .76rem; color: var(--gray-500); }
.hero-card .legend i { display: inline-block; width: 10px; height: 10px; border-radius: 3px; margin-right: 6px; vertical-align: middle; }

/* ---------- Marquee (partners) ---------- */
.marquee-wrap { padding: 40px 0; border-top: 1px solid var(--gray-100); border-bottom: 1px solid var(--gray-100); background: #fff; overflow: hidden; }
.marquee-label { text-align: center; font-size: .76rem; letter-spacing: .18em; text-transform: uppercase; color: var(--gray-500); font-weight: 600; margin-bottom: 26px; }
.marquee { display: flex; width: max-content; animation: scroll-x 30s linear infinite; }
.marquee:hover { animation-play-state: paused; }
.marquee .track { display: flex; gap: 56px; padding-right: 56px; }
.marquee .partner { font-family: var(--font-serif); font-size: 1.5rem; font-weight: 600; color: var(--gray-500); white-space: nowrap; transition: color .3s; }
.marquee .partner:hover { color: var(--blue-700); }
@keyframes scroll-x { to { transform: translateX(-50%); } }

/* ---------- Cards (gray-50, hover fills blue) ---------- */
.card {
  position: relative; overflow: hidden;
  background: var(--gray-50); border: 1px solid var(--gray-100); border-radius: var(--radius-xl);
  padding: 30px; height: 100%;
  transition: transform .3s var(--ease), box-shadow .3s, border-color .3s, background .35s;
}
.card:hover {
  transform: translateY(-4px);
  background: linear-gradient(140deg, var(--blue-600), var(--blue-800));
  border-color: transparent; box-shadow: var(--shadow);
}
.card:hover h3, .card:hover p { color: #fff; }
.card .ico {
  width: 56px; height: 56px; border-radius: var(--radius-lg);
  background: var(--blue-50); color: var(--blue-600);
  display: flex; align-items: center; justify-content: center; margin-bottom: 20px;
  transition: background .35s, color .35s;
}
.card .ico svg { width: 26px; height: 26px; }
.card:hover .ico { background: rgba(255,255,255,.18); color: #fff; }
.card h3 { font-size: 1.2rem; margin-bottom: 10px; transition: color .35s; }
.card p { color: var(--gray-500); font-size: .98rem; transition: color .35s; }
.card .tags { margin-top: 18px; display: flex; flex-wrap: wrap; gap: 8px; }
.tag { font-size: .78rem; font-weight: 600; color: var(--blue-700); background: var(--blue-50); padding: 5px 12px; border-radius: var(--radius-pill); transition: background .35s, color .35s; }
.card:hover .tag { background: rgba(255,255,255,.18); color: #fff; }
.feature-list { margin-top: 18px; display: grid; gap: 11px; }
.feature-list li { display: flex; gap: 10px; font-size: .93rem; color: var(--gray-700); transition: color .35s; }
.feature-list li svg { flex: none; color: var(--blue-500); margin-top: 3px; transition: color .35s; }
.card:hover .feature-list li { color: rgba(255,255,255,.92); }
.card:hover .feature-list li svg { color: #fff; }

.bg-soft { background: var(--gray-50); }

/* ---------- Stats band ---------- */
.statband { display: grid; gap: 24px; }
@media (min-width:720px){ .statband { grid-template-columns: repeat(4,1fr); } }
.statband .stat { text-align: center; }
.statband .stat .n { font-size: clamp(2rem,4vw,2.6rem); font-weight: 800; color: var(--gray-900); letter-spacing: -.02em; }
.statband .stat .l { color: var(--gray-500); font-size: .92rem; margin-top: 4px; }

/* ---------- Market intelligence ---------- */
.mi-grid { display: grid; gap: 40px; align-items: center; }
@media (min-width: 900px){ .mi-grid { grid-template-columns: 1fr 1fr; } }
.mi-panel { background: var(--blue-950); border-radius: var(--radius-xl); padding: 32px; color: #fff; box-shadow: var(--shadow-lg); }
.mi-panel h4 { color: #fff; font-size: 1.02rem; margin-bottom: 22px; }
.compare-row { margin-bottom: 18px; }
.compare-row .top { display: flex; justify-content: space-between; font-size: .85rem; margin-bottom: 7px; color: rgba(255,255,255,.75); }
.meter { height: 12px; background: rgba(255,255,255,.12); border-radius: 6px; overflow: hidden; }
.meter > span { display: block; height: 100%; border-radius: 6px; width: 0; transition: width 1.2s var(--ease); }
.meter > span.brand { background: linear-gradient(90deg, var(--blue-400), var(--blue-600)); }
.meter > span.alt { background: rgba(255,255,255,.34); }
.city-list { display: grid; gap: 14px; }
.city-list .city { display: flex; align-items: center; gap: 14px; }
.city-list .city .name { width: 96px; font-size: .9rem; color: var(--gray-700); font-weight: 500; }
.city-list .city .bar { flex: 1; height: 10px; background: var(--gray-100); border-radius: 5px; overflow: hidden; }
.city-list .city .bar > span { display: block; height: 100%; background: linear-gradient(90deg, var(--blue-600), var(--blue-400)); border-radius: 5px; width: 0; transition: width 1.1s var(--ease); }
.city-list .city .pct { width: 44px; text-align: right; font-weight: 700; color: var(--gray-900); font-size: .9rem; }

/* ---------- Process / steps (alternating accent dots) ---------- */
.steps { display: grid; gap: 20px; }
.step {
  display: grid; grid-template-columns: auto 1fr; gap: 22px; align-items: start;
  background: var(--gray-50); border: 1px solid var(--gray-100); border-radius: var(--radius-xl); padding: 28px;
  transition: border-color .3s, box-shadow .3s, transform .3s;
}
.step:hover { border-color: var(--blue-100); box-shadow: var(--shadow); transform: translateY(-3px); }
.step .num {
  width: 52px; height: 52px; border-radius: var(--radius); flex: none;
  color: #fff; font-size: 1.25rem; font-weight: 800;
  display: flex; align-items: center; justify-content: center;
}
.step:nth-child(1) .num { background: var(--blue-500); }
.step:nth-child(2) .num { background: var(--amber-500); }
.step:nth-child(3) .num { background: #6366f1; }   /* indigo-500 */
.step:nth-child(4) .num { background: #14b8a6; }   /* teal-500 */
.step:nth-child(5) .num { background: var(--green-500); }
.step h3 { font-size: 1.2rem; margin-bottom: 8px; }
.step p { color: var(--gray-500); font-size: .96rem; }
.step .tags { margin-top: 14px; display: flex; flex-wrap: wrap; gap: 8px; }

/* ---------- Testimonials ---------- */
.quote {
  background: var(--gray-50); border: 1px solid var(--gray-100); border-radius: var(--radius-xl); padding: 32px;
  height: 100%; display: flex; flex-direction: column;
}
.quote .stars { color: var(--blue-500); margin-bottom: 16px; letter-spacing: 2px; }
.quote p { font-size: 1.02rem; color: var(--gray-700); font-style: italic; flex: 1; line-height: 1.65; }
.quote .who { margin-top: 22px; display: flex; align-items: center; gap: 12px; }
.quote .who .av { width: 44px; height: 44px; border-radius: 50%; background: var(--blue-50); color: var(--blue-700); display: flex; align-items: center; justify-content: center; font-weight: 700; }
.quote .who .nm { font-weight: 700; color: var(--gray-900); font-size: .96rem; }
.quote .who .rl { font-size: .82rem; color: var(--gray-500); }

/* ---------- Trust band ---------- */
.trust-grid { display: grid; gap: 24px; }
@media (min-width:760px){ .trust-grid { grid-template-columns: repeat(3,1fr); } }
.trust-card { text-align: center; padding: 34px 26px; border-radius: var(--radius-xl); border: 1px solid var(--gray-100); background: var(--gray-50); transition: border-color .3s, box-shadow .3s, transform .3s; }
.trust-card:hover { transform: translateY(-4px); box-shadow: var(--shadow); border-color: var(--blue-100); }
.trust-card .ico { width: 58px; height: 58px; margin: 0 auto 18px; border-radius: var(--radius-lg); background: var(--blue-50); color: var(--blue-600); display: flex; align-items: center; justify-content: center; }
.trust-card .ico svg { width: 26px; height: 26px; }
.trust-card h3 { font-size: 1.18rem; margin-bottom: 10px; }
.trust-card p { color: var(--gray-500); font-size: .96rem; }

/* ---------- FAQ ---------- */
.faq { max-width: 820px; margin: 0 auto; }
.faq details {
  border: 1px solid var(--gray-100); border-radius: var(--radius-xl); margin-bottom: 14px; background: #fff;
  overflow: hidden; transition: border-color .3s, background .3s;
}
.faq details[open] { border-color: var(--blue-200, #bfdbfe); background: rgba(239,246,255,.4); }
.faq summary {
  list-style: none; cursor: pointer; padding: 22px 24px; font-weight: 700; color: var(--gray-900);
  display: flex; justify-content: space-between; align-items: center; gap: 16px; font-size: 1.04rem;
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary .plus {
  flex: none; width: 32px; height: 32px; border-radius: 50%; position: relative;
  background: var(--gray-100); transition: background .3s, transform .3s var(--ease);
}
.faq summary .plus::before, .faq summary .plus::after { content:""; position: absolute; background: var(--blue-700); border-radius: 2px; transition: background .3s; }
.faq summary .plus::before { top: 15px; left: 9px; right: 9px; height: 2px; }
.faq summary .plus::after { left: 15px; top: 9px; bottom: 9px; width: 2px; }
.faq details[open] summary .plus { background: var(--blue-600); transform: rotate(45deg); }
.faq details[open] summary .plus::before, .faq details[open] summary .plus::after { background: #fff; }
.faq .answer { padding: 0 24px 22px; color: var(--gray-500); font-size: .98rem; line-height: 1.65; }

/* ---------- CTA band (blue-950 rounded box) ---------- */
.cta-band {
  position: relative; overflow: hidden; border-radius: var(--radius-xl); padding: 64px 40px; text-align: center; color: #fff;
  background: var(--blue-950);
}
.cta-band::before {
  content: ""; position: absolute; inset: 0;
  background: radial-gradient(700px 360px at 50% -20%, rgba(59,130,246,.35), transparent 65%);
}
.cta-band > * { position: relative; }
.cta-band h2 { color: #fff; font-weight: 800; font-size: clamp(1.9rem,4vw,2.7rem); letter-spacing: -.03em; }
.cta-band p { color: rgba(191,219,254,.75); margin: 16px auto 30px; max-width: 560px; }
.cta-actions { display: flex; gap: 14px; justify-content: center; flex-wrap: wrap; }

/* contact mini-cards inside CTA */
.contact-quad { display: grid; gap: 16px; margin-top: 44px; }
@media (min-width:760px){ .contact-quad { grid-template-columns: repeat(4,1fr); } }
.contact-quad a { background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.12); border-radius: var(--radius); padding: 20px; transition: background .3s, transform .3s; }
.contact-quad a:hover { background: rgba(255,255,255,.12); transform: translateY(-3px); }
.contact-quad .t { font-size: .76rem; text-transform: uppercase; letter-spacing: .12em; color: var(--blue-400); font-weight: 600; }
.contact-quad .v { color: #fff; font-weight: 600; margin-top: 6px; font-size: .96rem; word-break: break-word; }

/* ---------- Page hero (inner pages, light) ---------- */
.page-hero { padding: 130px 0 60px; text-align: center; background: var(--gray-50); border-bottom: 1px solid var(--gray-100); }
.page-hero h1 { color: var(--gray-900); font-weight: 800; font-size: clamp(2.2rem,5vw,3.3rem); letter-spacing: -.035em; }
.page-hero h1 .accent { color: var(--blue-600); }
.page-hero p { color: var(--gray-500); margin: 18px auto 0; max-width: 640px; font-size: 1.12rem; }
.breadcrumb { font-size: .82rem; color: var(--gray-600); margin-bottom: 18px; letter-spacing: .03em; font-weight: 600; }
.breadcrumb a { color: var(--blue-700); }
.breadcrumb a:hover { text-decoration: underline; }

/* ---------- Forms ---------- */
.form { display: grid; gap: 18px; }
.field { display: grid; gap: 7px; }
.field label { font-size: .86rem; font-weight: 700; color: var(--gray-900); }
.field input, .field select, .field textarea {
  width: 100%; padding: 13px 15px; border: 1px solid var(--gray-200); border-radius: var(--radius);
  font: inherit; color: var(--gray-900); background: #fff; transition: border-color .2s, box-shadow .2s;
}
.field input:focus, .field select:focus, .field textarea:focus {
  outline: none; border-color: var(--blue-600); box-shadow: 0 0 0 4px rgba(37,99,235,.12);
}
.field textarea { resize: vertical; min-height: 130px; }
.form-note { font-size: .82rem; color: var(--gray-500); }
.form-status { font-size: .9rem; font-weight: 600; }

/* contact split */
.contact-split { display: grid; gap: 40px; }
@media (min-width:900px){ .contact-split { grid-template-columns: 1fr 1fr; } }
.contact-info { display: grid; gap: 16px; align-content: start; }
.info-row { display: flex; gap: 14px; align-items: flex-start; padding: 18px; border: 1px solid var(--gray-100); border-radius: var(--radius-lg); background: var(--gray-50); transition: border-color .3s, background .3s; }
a.info-row:hover { border-color: var(--blue-100); background: var(--blue-50); }
.info-row .ico { width: 46px; height: 46px; flex: none; border-radius: var(--radius); background: var(--blue-50); color: var(--blue-600); display: flex; align-items: center; justify-content: center; }
.info-row .t { font-size: .78rem; text-transform: uppercase; letter-spacing: .1em; color: var(--gray-500); font-weight: 600; }
.info-row .v { font-weight: 700; color: var(--gray-900); margin-top: 2px; }
.info-row .v a:hover { color: var(--blue-700); }

/* ---------- Footer (near-black gray-950) ---------- */
.site-footer { background: var(--gray-950); color: var(--gray-400); padding: 72px 0 28px; border-top: 1px solid var(--gray-900); }
.footer-grid { display: grid; gap: 40px; }
@media (min-width: 760px){ .footer-grid { grid-template-columns: 1.6fr 1fr 1fr 1.2fr; } }
.site-footer .brand { color: #fff; margin-bottom: 16px; }
.site-footer p { font-size: .92rem; line-height: 1.7; color: var(--gray-400); }
.footer-contact { display: grid; gap: 8px; margin: 18px 0; font-size: .9rem; }
.footer-contact div { display: flex; gap: 9px; align-items: flex-start; }
.footer-contact svg { flex: none; margin-top: 3px; color: var(--blue-500); }
.footer-col h4 { color: var(--gray-500); font-size: .74rem; letter-spacing: .14em; text-transform: uppercase; margin-bottom: 18px; font-weight: 700; }
.footer-col li { margin-bottom: 11px; }
.footer-col a { font-size: .92rem; transition: color .2s; }
.footer-col a:hover { color: var(--blue-400); }
.socials { display: flex; gap: 12px; margin-top: 8px; }
.socials a { width: 38px; height: 38px; border-radius: 10px; border: 1px solid rgba(255,255,255,.12); display: flex; align-items: center; justify-content: center; color: var(--gray-400); transition: all .25s; }
.socials a:hover { color: #fff; border-color: var(--blue-600); background: rgba(37,99,235,.25); transform: translateY(-2px); }
.footer-bottom { margin-top: 48px; padding-top: 26px; border-top: 1px solid var(--gray-900); display: flex; flex-wrap: wrap; gap: 12px; justify-content: space-between; font-size: .82rem; color: var(--gray-500); }
.footer-bottom a { color: var(--gray-400); }
.footer-bottom a:hover { color: #fff; }

/* ---------- WhatsApp float ---------- */
.wa-float {
  position: fixed; right: 22px; bottom: 22px; z-index: 60;
  display: inline-flex; align-items: center; overflow: hidden;
  background: #25d366; color: #fff; border-radius: var(--radius-pill);
  padding: 14px; box-shadow: 0 14px 30px -10px rgba(37,211,102,.7);
  transition: transform .3s;
}
.wa-float span { max-width: 0; white-space: nowrap; overflow: hidden; font-weight: 700; transition: max-width .35s var(--ease), margin .35s var(--ease); }
.wa-float:hover { transform: translateY(-2px); }
.wa-float:hover span { max-width: 130px; margin-left: 10px; }

/* ---------- Scroll reveal ---------- */
.reveal { opacity: 0; transform: translateY(24px); transition: opacity .7s var(--ease), transform .7s var(--ease); }
.reveal.in { opacity: 1; transform: none; }
.reveal.d1 { transition-delay: .08s; }
.reveal.d2 { transition-delay: .16s; }
.reveal.d3 { transition-delay: .24s; }
@media (prefers-reduced-motion: reduce) {
  * { animation: none !important; scroll-behavior: auto !important; }
  .reveal { opacity: 1; transform: none; transition: none; }
}

/* ---------- Portal: sign-in ---------- */
.auth-wrap { min-height: 100vh; display: grid; grid-template-columns: 1fr; }
@media (min-width: 900px){ .auth-wrap { grid-template-columns: 1.1fr 1fr; } }
.auth-aside {
  display: none; color: #fff; padding: 60px; position: relative; overflow: hidden;
  background: linear-gradient(150deg, var(--blue-600), var(--blue-800) 60%, var(--blue-950));
}
@media (min-width: 900px){ .auth-aside { display: flex; flex-direction: column; justify-content: space-between; } }
.auth-aside h2 { color: #fff; font-weight: 800; font-size: 2.1rem; max-width: 420px; letter-spacing: -.02em; }
.auth-aside .pts { display: grid; gap: 14px; margin-top: 30px; }
.auth-aside .pts div { display: flex; gap: 12px; color: rgba(255,255,255,.85); }
.auth-main { display: flex; align-items: center; justify-content: center; padding: 40px 24px; }
.auth-card { width: 100%; max-width: 400px; }
.auth-card h1 { font-size: 1.7rem; margin-bottom: 8px; }
.auth-card .sub { color: var(--gray-500); margin-bottom: 28px; }
.auth-card .alt { text-align: center; margin-top: 22px; font-size: .92rem; color: var(--gray-500); }
.auth-card .alt a { color: var(--blue-700); font-weight: 700; }

/* ---------- Dashboard ---------- */
.dash { padding: 104px 0 80px; background: var(--gray-50); min-height: 100vh; }
.dash-head { display: flex; flex-wrap: wrap; gap: 16px; justify-content: space-between; align-items: center; margin-bottom: 24px; }
.dash-head h1 { font-size: 1.7rem; }
.kpi-grid { display: grid; gap: 18px; margin-bottom: 18px; }
@media (min-width:640px){ .kpi-grid { grid-template-columns: repeat(2,1fr); } }
@media (min-width:1000px){ .kpi-grid { grid-template-columns: repeat(4,1fr); } }
.kpi { background: #fff; border: 1px solid var(--gray-100); border-radius: var(--radius-lg); padding: 22px; }
.kpi .l { font-size: .78rem; color: var(--gray-500); text-transform: uppercase; letter-spacing: .08em; font-weight: 600; }
.kpi .v { font-size: 1.8rem; font-weight: 800; color: var(--gray-900); margin: 6px 0; letter-spacing: -.02em; }
.kpi .c { font-size: .85rem; font-weight: 600; }
.kpi .c.up { color: var(--green-600); }
.kpi .c.down { color: #dc2626; }
.dash-cols { display: grid; gap: 18px; }
@media (min-width:1000px){ .dash-cols { grid-template-columns: 1.6fr 1fr; } }
.panel { background: #fff; border: 1px solid var(--gray-100); border-radius: var(--radius-xl); padding: 24px; }
.panel h3 { font-size: 1.08rem; }
.holding { display: flex; align-items: center; justify-content: space-between; padding: 14px 0; border-bottom: 1px solid var(--gray-100); }
.holding:last-child { border-bottom: 0; }
.holding .nm { font-weight: 700; color: var(--gray-900); font-size: .95rem; }
.holding .sub { font-size: .82rem; color: var(--gray-500); }
.holding .amt { text-align: right; }
.holding .amt .a { font-weight: 700; color: var(--gray-900); }
.holding .amt .g { font-size: .82rem; color: var(--green-600); }
.demo-banner { background: var(--blue-50); border: 1px solid var(--blue-100); color: var(--blue-800); border-radius: var(--radius); padding: 12px 18px; font-size: .88rem; margin-bottom: 22px; text-align: center; }

.dash-tabs { display: flex; gap: 6px; background: #fff; border: 1px solid var(--gray-100); border-radius: var(--radius-pill); padding: 5px; margin-bottom: 22px; overflow-x: auto; }
.dash-tabs button { border: 0; background: transparent; color: var(--gray-500); font-weight: 600; font-size: .9rem; padding: 9px 18px; border-radius: var(--radius-pill); white-space: nowrap; transition: background .2s, color .2s; }
.dash-tabs button.active { background: var(--blue-600); color: #fff; }
.dash-tabs button:hover:not(.active) { color: var(--gray-900); background: var(--gray-50); }

.time-pills { display: inline-flex; gap: 4px; background: var(--gray-50); border: 1px solid var(--gray-100); border-radius: var(--radius-pill); padding: 4px; }
.time-pills button { border: 0; background: transparent; color: var(--gray-500); font-weight: 600; font-size: .8rem; padding: 6px 13px; border-radius: var(--radius-pill); transition: background .2s, color .2s; }
.time-pills button.active { background: #fff; color: var(--blue-700); box-shadow: var(--shadow-sm); }

.panel-head { display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 12px; margin-bottom: 14px; }
.panel-head h3 { margin: 0; }

.chart { width: 100%; height: 220px; display: block; }
.chart .area { fill: url(#gmGrad); }
.chart .line { fill: none; stroke: var(--blue-600); stroke-width: 2.5; stroke-linecap: round; stroke-linejoin: round; stroke-dasharray: 1400; stroke-dashoffset: 1400; animation: draw 1.6s var(--ease) forwards; }
.chart .dot { fill: #fff; stroke: var(--blue-600); stroke-width: 2.5; }
.chart .grid-line { stroke: var(--gray-100); stroke-width: 1; }
.chart-x { display: flex; justify-content: space-between; margin-top: 8px; font-size: .74rem; color: var(--gray-500); }
@keyframes draw { to { stroke-dashoffset: 0; } }

.donut-wrap { display: flex; align-items: center; gap: 26px; flex-wrap: wrap; }
.donut { width: 150px; height: 150px; border-radius: 50%; flex: none; position: relative;
  background: conic-gradient(var(--blue-600) 0 58%, var(--blue-400) 58% 82%, var(--amber-500) 82% 94%, var(--green-500) 94% 100%); }
.donut::after { content: ""; position: absolute; inset: 26px; background: #fff; border-radius: 50%; box-shadow: inset 0 1px 4px rgba(17,24,39,.08); }
.donut .center { position: absolute; inset: 0; display: flex; flex-direction: column; align-items: center; justify-content: center; text-align: center; z-index: 1; }
.donut .center .v { font-size: 1.25rem; font-weight: 800; color: var(--gray-900); }
.donut .center .l { font-size: .68rem; color: var(--gray-500); text-transform: uppercase; letter-spacing: .06em; }
.alloc-legend { display: grid; gap: 10px; }
.alloc-legend div { display: flex; align-items: center; gap: 10px; font-size: .9rem; color: var(--gray-700); }
.alloc-legend i { width: 12px; height: 12px; border-radius: 3px; flex: none; }

.goal { margin-bottom: 18px; }
.goal:last-child { margin-bottom: 0; }
.goal .top { display: flex; justify-content: space-between; margin-bottom: 8px; }
.goal .top .nm { font-weight: 700; color: var(--gray-900); font-size: .93rem; }
.goal .top .pc { font-size: .82rem; color: var(--gray-500); }
.goal .track { height: 9px; background: var(--gray-100); border-radius: 5px; overflow: hidden; }
.goal .track > span { display: block; height: 100%; border-radius: 5px; width: 0; background: linear-gradient(90deg, var(--blue-600), var(--blue-400)); transition: width 1.2s var(--ease); }

.advisor { display: flex; gap: 16px; align-items: center; padding: 20px; border-radius: var(--radius-lg); background: var(--blue-950); color: #fff; }
.advisor .av { width: 54px; height: 54px; border-radius: 50%; flex: none; background: rgba(255,255,255,.12); display: flex; align-items: center; justify-content: center; font-size: 1.3rem; font-weight: 800; border: 1px solid rgba(255,255,255,.2); }
.advisor .nm { font-weight: 700; }
.advisor .rl { font-size: .82rem; color: rgba(255,255,255,.65); }
.advisor .act { margin-left: auto; }

.activity .row { display: flex; gap: 14px; padding: 14px 0; border-bottom: 1px solid var(--gray-100); align-items: flex-start; }
.activity .row:last-child { border-bottom: 0; }
.activity .dot2 { width: 36px; height: 36px; border-radius: 10px; flex: none; display: flex; align-items: center; justify-content: center; background: var(--blue-50); color: var(--blue-600); font-size: .9rem; }
.activity .row .nm { font-weight: 700; color: var(--gray-900); font-size: .92rem; }
.activity .row .sub { font-size: .82rem; color: var(--gray-500); }
.activity .row .when { margin-left: auto; font-size: .78rem; color: var(--gray-500); white-space: nowrap; }

.pill-tag { display: inline-block; font-size: .72rem; font-weight: 600; padding: 3px 10px; border-radius: var(--radius-pill); }
.pill-tag.green { background: var(--green-50); color: var(--green-600); }
.pill-tag.amber { background: #fef3da; color: #a9781b; }
.pill-tag.blue { background: var(--blue-50); color: var(--blue-700); }

/* ---------- Accessibility: skip link + focus ---------- */
.skip-link {
  position: absolute; left: 12px; top: -60px; z-index: 100;
  background: var(--blue-600); color: #fff; padding: 10px 18px; border-radius: 0 0 10px 10px;
  font-weight: 700; font-size: .9rem; transition: top .2s var(--ease);
}
.skip-link:focus { top: 0; outline: 3px solid #fff; outline-offset: 2px; }
:focus-visible { outline: 3px solid var(--blue-500); outline-offset: 2px; border-radius: 4px; }
.btn:focus-visible { outline-offset: 3px; }
/* don't show the fat outline on mouse click, only keyboard (focus-visible handles that) */

/* ---------- Scroll progress bar ---------- */
.scroll-progress { position: fixed; top: 0; left: 0; right: 0; height: 3px; z-index: 70; background: transparent; pointer-events: none; }
.scroll-progress > span { display: block; height: 100%; width: 0; background: linear-gradient(90deg, var(--blue-500), var(--blue-700)); transition: width .1s linear; }

/* ---------- Back-to-top button ---------- */
.to-top {
  position: fixed; right: 22px; bottom: 86px; z-index: 59;
  width: 44px; height: 44px; border-radius: 50%; border: 1px solid var(--gray-200);
  background: #fff; color: var(--blue-700); display: flex; align-items: center; justify-content: center;
  box-shadow: var(--shadow); opacity: 0; transform: translateY(12px) scale(.9); pointer-events: none;
  transition: opacity .3s var(--ease), transform .3s var(--ease), background .2s;
}
.to-top.show { opacity: 1; transform: none; pointer-events: auto; }
.to-top:hover { background: var(--blue-50); transform: translateY(-2px); }

/* ---------- Micro-interactions ---------- */
.btn:active { transform: translateY(1px) scale(.99); }
.card, .trust-card, .step, .quote, .kpi, .panel { will-change: transform; }
.kpi { transition: transform .25s var(--ease), box-shadow .25s; }
.kpi:hover { transform: translateY(-3px); box-shadow: var(--shadow); }
.nav-links a, .footer-col a, .socials a, .info-row, .partner { -webkit-tap-highlight-color: transparent; }
.count { font-variant-numeric: tabular-nums; }
/* animated count-up holds layout to avoid reflow jiggle */
[data-count]{ display: inline-block; }

/* reveal: also support scale/left/right variants for richer scroll motion */
.reveal.from-left { transform: translateX(-28px); }
.reveal.from-right { transform: translateX(28px); }
.reveal.zoom { transform: scale(.96); }
.reveal.from-left.in, .reveal.from-right.in, .reveal.zoom.in { transform: none; }

/* ---------- Utilities ---------- */
.mt-0{margin-top:0}.mt-8{margin-top:8px}.mt-16{margin-top:16px}.mt-24{margin-top:24px}.mt-40{margin-top:40px}
.mb-0{margin-bottom:0}
.text-muted{color:var(--gray-500)}
.hide-sm{display:none}
@media(min-width:760px){.hide-sm{display:block}}