/* ═══════════════════════════════════════════════════════════
   InvestNow — landing page (soft-fintech design)
   Warm sand ground, pure-white cards, generous radii and soft
   layered shadows. Outfit for headings, Nunito Sans for prose,
   terracotta as the single accent. Light-first.
   ═══════════════════════════════════════════════════════════ */
:root{
  --bg:#F7F3EC;
  --tint:#F1EBE1;
  --surface:#FFFFFF;
  --raise:#FBF8F3;
  --ink:#2A2118;
  --ink-2:#5C5145;
  --muted:#8A7F72;
  --line:rgba(42,33,24,.10);
  --line-2:rgba(42,33,24,.18);
  --terra:#E5603A;
  --terra-2:#C94A26;
  --terra-soft:#FDEDE7;
  --dark:#2A2118;
  --on-dark:#F7F3EC;
  --on-dark-mut:#B3A695;
  --up:#3E8E5A;
  --down:#C7452F;
  --on-terra:#FFFFFF;

  --display:"Outfit",system-ui,-apple-system,Segoe UI,sans-serif;
  --sans:"Nunito Sans",system-ui,-apple-system,Segoe UI,sans-serif;
  --mono:"DM Mono",ui-monospace,SFMono-Regular,Menlo,monospace;
  --wrap:1180px;
  --pad:clamp(18px,4vw,44px);
  --sec:clamp(66px,9vw,120px);
  --r:24px;
  --r-sm:16px;
  --shadow:0 2px 4px rgba(42,33,24,.04),0 14px 30px -14px rgba(42,33,24,.14);
  --shadow-lg:0 4px 10px rgba(42,33,24,.05),0 34px 66px -26px rgba(42,33,24,.22);
}
@media (prefers-color-scheme:dark){
  :root:not([data-theme="light"]){
    --bg:#1C1815; --tint:#231E1A; --surface:#282119; --raise:#2F2820;
    --ink:#F5F0E8; --ink-2:#CFC5B8; --muted:#9A8E80;
    --line:rgba(245,240,232,.12); --line-2:rgba(245,240,232,.2);
    --terra:#FF8560; --terra-2:#FFA184; --terra-soft:rgba(255,133,96,.14);
    --dark:#141110; --on-dark:#F5F0E8; --on-dark-mut:#A2968A;
    --up:#5FBF83; --down:#F0705A; --on-terra:#1C1815;
    --shadow:0 2px 4px rgba(0,0,0,.3),0 14px 30px -14px rgba(0,0,0,.6);
    --shadow-lg:0 4px 10px rgba(0,0,0,.4),0 34px 66px -26px rgba(0,0,0,.7);
  }
}
:root[data-theme="dark"]{
  --bg:#1C1815; --tint:#231E1A; --surface:#282119; --raise:#2F2820;
  --ink:#F5F0E8; --ink-2:#CFC5B8; --muted:#9A8E80;
  --line:rgba(245,240,232,.12); --line-2:rgba(245,240,232,.2);
  --terra:#FF8560; --terra-2:#FFA184; --terra-soft:rgba(255,133,96,.14);
  --dark:#141110; --on-dark:#F5F0E8; --on-dark-mut:#A2968A;
  --up:#5FBF83; --down:#F0705A; --on-terra:#1C1815;
  --shadow:0 2px 4px rgba(0,0,0,.3),0 14px 30px -14px rgba(0,0,0,.6);
  --shadow-lg:0 4px 10px rgba(0,0,0,.4),0 34px 66px -26px rgba(0,0,0,.7);
}

*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth;scroll-padding-top:110px}
body{margin:0;background:var(--bg);color:var(--ink);font:400 16.5px/1.72 var(--sans);
  -webkit-font-smoothing:antialiased;overflow-x:hidden}
img,svg{max-width:100%}
a{color:inherit;text-decoration:none}
h1,h2,h3,h4{margin:0;font-family:var(--display);font-weight:600;letter-spacing:-.025em;line-height:1.14}
p{margin:0}
ul,ol,dl,dd{margin:0;padding:0;list-style:none}
button{font:inherit;color:inherit;background:none;border:0;cursor:pointer}
input,textarea{font:inherit;color:inherit}
::selection{background:var(--terra);color:var(--on-terra)}
:focus-visible{outline:3px solid var(--terra-soft);outline-offset:2px;border-radius:10px}
.wrap{max-width:var(--wrap);margin:0 auto;padding-inline:var(--pad)}
.up{color:var(--up)}.down{color:var(--down)}
.skip{position:absolute;left:-9999px;top:8px;z-index:200;background:var(--terra);color:#fff;padding:12px 20px;border-radius:100px}
.skip:focus{left:12px}
@media (prefers-reduced-motion:reduce){
  *,*::before,*::after{animation-duration:.01ms!important;animation-iteration-count:1!important;transition-duration:.01ms!important}
  html{scroll-behavior:auto}
}

.eyebrow{margin:0 0 14px;font:700 12.5px/1 var(--display);letter-spacing:.09em;text-transform:uppercase;color:var(--terra)}
.dot{width:8px;height:8px;border-radius:50%;background:var(--up);flex:none;
  box-shadow:0 0 0 0 color-mix(in srgb,var(--up) 50%,transparent);animation:dot 2.6s ease-out infinite}
@keyframes dot{70%{box-shadow:0 0 0 8px transparent}100%{box-shadow:0 0 0 0 transparent}}
.pill{display:inline-flex;align-items:center;gap:10px;padding:10px 18px;margin:0 0 26px;border-radius:100px;
  background:var(--terra-soft);color:var(--terra-2);font:600 13.5px/1 var(--sans)}
.pill__dot{width:7px;height:7px;border-radius:50%;background:var(--terra);flex:none}

.btn{display:inline-flex;align-items:center;justify-content:center;gap:9px;padding:16px 30px;border-radius:100px;
  font:700 15px/1 var(--sans);border:2px solid transparent;
  transition:background .22s,color .22s,border-color .22s,transform .22s,box-shadow .22s}
.btn--solid{background:var(--terra);color:var(--on-terra);border-color:var(--terra);box-shadow:0 10px 24px -10px rgba(229,96,58,.6)}
.btn--solid:hover{background:var(--terra-2);border-color:var(--terra-2);transform:translateY(-2px);box-shadow:0 16px 32px -10px rgba(229,96,58,.7)}
.btn--line{border-color:var(--line-2);color:var(--ink);background:var(--surface)}
.btn--line:hover{border-color:var(--terra);color:var(--terra)}
.btn--lineLight{border-color:rgba(247,243,236,.4);color:var(--on-dark)}
.btn--lineLight:hover{background:var(--on-dark);color:var(--dark);border-color:var(--on-dark)}
.btn--ghost{color:var(--ink-2);padding-inline:12px;font-weight:600}
.btn--ghost:hover{color:var(--terra)}
.btn--lg{padding:19px 36px;font-size:16px}
.btn--full{width:100%;margin-top:8px}
.lnk{display:inline-flex;align-items:center;gap:8px;color:var(--terra);font:700 15px/1 var(--sans);
  transition:gap .22s;align-self:flex-start}
.lnk::after{content:"→"}
.lnk:hover{gap:12px}

/* ─── TOP BAR + HEADER ─── */
.topbar{background:var(--dark);color:var(--on-dark-mut);font-size:13.5px}
.topbar__in{display:flex;align-items:center;justify-content:space-between;gap:20px;height:42px}
.topbar__left{display:flex;align-items:center;gap:11px}
.topbar__sep{width:1px;height:13px;background:rgba(247,243,236,.22)}
.topbar__right{display:flex;align-items:center;gap:24px}
.topbar__right a:hover{color:var(--on-dark)}
@media(max-width:900px){.topbar__right a:not(:last-child){display:none}}
@media(max-width:560px){.topbar__left span:not(.dot):not(:first-of-type){display:none}.topbar__sep{display:none}}

.head{position:sticky;top:0;z-index:70;background:color-mix(in srgb,var(--bg) 88%,transparent);
  backdrop-filter:blur(14px);-webkit-backdrop-filter:blur(14px);border-bottom:1px solid transparent;transition:border-color .22s,box-shadow .22s}
.head.is-stuck{border-bottom-color:var(--line);box-shadow:0 6px 22px -16px rgba(42,33,24,.4)}
.head__in{display:flex;align-items:center;gap:clamp(14px,2.4vw,34px);height:76px}
.brand{display:flex;align-items:center;gap:12px;flex:none}
.brand__mark{width:34px;height:34px;flex:none}
.brand__mark rect{fill:var(--terra)}
.brand__mark path{stroke:#fff}
.brand__name{font:700 20px/1 var(--display);letter-spacing:-.035em}
.brand--light .brand__name{color:var(--on-dark)}
.nav{display:flex;align-items:center;gap:clamp(12px,1.8vw,28px);margin-right:auto}
.nav a{font:600 15.5px/1 var(--sans);color:var(--ink-2);padding:10px 0;white-space:nowrap;transition:color .22s}
.nav a:hover,.nav a.is-active{color:var(--terra)}
.head__act{display:flex;align-items:center;gap:10px;flex:none}
.lang{position:relative}
.lang__btn{display:flex;align-items:center;gap:7px;padding:10px 14px;border:2px solid var(--line);border-radius:100px;
  font:700 13px/1 var(--sans);background:var(--surface);transition:border-color .22s,color .22s}
.lang__btn:hover{border-color:var(--terra);color:var(--terra)}
.lang__btn svg{width:15px;height:15px;fill:none;stroke:currentColor;stroke-width:1.8;opacity:.7}
.lang__menu{position:absolute;top:calc(100% + 10px);right:0;min-width:176px;background:var(--surface);
  border:1px solid var(--line);border-radius:var(--r-sm);box-shadow:var(--shadow-lg);padding:7px;
  opacity:0;visibility:hidden;transform:translateY(-6px);transition:opacity .2s,transform .2s,visibility .2s;z-index:90}
.lang.is-open .lang__menu{opacity:1;visibility:visible;transform:none}
.lang__menu button{display:flex;align-items:center;gap:12px;width:100%;padding:11px 13px;border-radius:12px;
  font:600 14.5px/1 var(--sans);color:var(--ink-2);transition:background .18s,color .18s}
.lang__menu button b{font-size:12px;color:var(--muted);width:24px}
.lang__menu button:hover{background:var(--tint);color:var(--ink)}
.lang__menu button.is-on,.lang__menu button.is-on b{color:var(--terra)}
.theme{display:grid;place-items:center;width:42px;height:42px;border:2px solid var(--line);border-radius:100px;
  background:var(--surface);transition:border-color .22s,color .22s}
.theme:hover{border-color:var(--terra);color:var(--terra)}
.theme svg{width:17px;height:17px;fill:none;stroke:currentColor;stroke-width:1.8;stroke-linecap:round}
.theme__moon{display:none}
:root[data-theme="dark"] .theme__sun{display:none}
:root[data-theme="dark"] .theme__moon{display:block}
@media(prefers-color-scheme:dark){:root:not([data-theme="light"]) .theme__sun{display:none}
:root:not([data-theme="light"]) .theme__moon{display:block}}
.burger{display:none;flex-direction:column;justify-content:center;gap:4px;width:44px;height:42px;
  border:2px solid var(--line);border-radius:100px;background:var(--surface)}
.burger span{display:block;width:17px;height:2px;border-radius:2px;background:currentColor;margin-inline:auto;transition:transform .22s,opacity .22s}
.burger[aria-expanded="true"] span:nth-child(1){transform:translateY(6px) rotate(45deg)}
.burger[aria-expanded="true"] span:nth-child(2){opacity:0}
.burger[aria-expanded="true"] span:nth-child(3){transform:translateY(-6px) rotate(-45deg)}
@media(max-width:1080px){
  .head__login{display:none}
  .burger{display:flex}
  .nav{position:absolute;top:100%;left:0;right:0;flex-direction:column;align-items:stretch;gap:0;
    background:var(--surface);border-bottom:1px solid var(--line);box-shadow:var(--shadow);
    padding:0 var(--pad);max-height:0;overflow:hidden;transition:max-height .3s ease}
  .nav.is-open{max-height:70vh;overflow:auto;padding-bottom:16px}
  .nav a{padding:17px 0;border-bottom:1px solid var(--line);font-size:16.5px}
}
@media(max-width:680px){.theme{display:none}}
@media(max-width:520px){.head__in{height:66px;gap:9px}.brand__name{font-size:18px}
  .brand__mark{width:30px;height:30px}.head__act .btn--solid{padding:13px 17px;font-size:14px}}
/* the soft controls are large; below 470px they shrink, and the wordmark
   yields before the CTA does */
@media(max-width:470px){
  .head__in{gap:8px}
  .head__act{gap:7px}
  .head .brand__name{font-size:16px}
  .head__act .btn--solid{padding:12px 14px;font-size:13px}
  .lang__btn{padding:9px 11px}
  .burger{width:38px;height:38px}
}
@media(max-width:385px){.head .brand__name{display:none}}

/* ─── HERO ─── */
.hero{padding-top:clamp(44px,6vw,80px);position:relative;overflow:hidden}
.hero::before{content:"";position:absolute;top:-220px;right:-180px;width:720px;height:720px;border-radius:50%;
  background:radial-gradient(circle,rgba(229,96,58,.13),transparent 66%);pointer-events:none}
.hero__in{position:relative;display:grid;grid-template-columns:1.04fr .96fr;gap:clamp(32px,5vw,72px);
  align-items:center;padding-bottom:clamp(44px,6vw,76px)}
.hero__h1{font-size:clamp(36px,5.4vw,62px);letter-spacing:-.035em;line-height:1.08;margin-bottom:22px}
.hero__h1 em{font-style:normal;color:var(--terra)}
.hero__sub{font-size:clamp(16.5px,1.6vw,19px);line-height:1.7;color:var(--ink-2);max-width:44ch;margin-bottom:32px}
.hero__cta{display:flex;flex-wrap:wrap;gap:14px;margin-bottom:28px}
.hero__pts{display:flex;flex-wrap:wrap;gap:12px 24px}
.hero__pts li{position:relative;padding-left:30px;font-size:15px;color:var(--ink-2)}
.hero__pts li::before{content:"";position:absolute;left:0;top:1px;width:20px;height:20px;border-radius:50%;
  background:var(--terra-soft)}
.hero__pts li::after{content:"";position:absolute;left:6px;top:7px;width:8px;height:5px;
  border-left:2px solid var(--terra);border-bottom:2px solid var(--terra);transform:rotate(-45deg)}
.hero__art{position:relative;display:flex;justify-content:flex-end}
.phone{width:min(330px,86vw);background:var(--surface);border-radius:32px;padding:26px;box-shadow:var(--shadow-lg)}
.phone__hd{display:flex;align-items:baseline;justify-content:space-between;gap:12px;margin-bottom:8px}
.phone__hd>span:first-child{font:600 13.5px/1 var(--sans);color:var(--muted)}
.phone__bal{font:700 28px/1 var(--display);letter-spacing:-.04em;font-variant-numeric:tabular-nums}
.phone__chg{font:700 13.5px/1 var(--sans);font-variant-numeric:tabular-nums}
.phone__chart{width:100%;height:100px;margin:18px 0 10px;display:block}
.pfill-a{stop-color:#E5603A;stop-opacity:.22}
.pfill-b{stop-color:#E5603A;stop-opacity:0}
#pLine{stroke:var(--terra)}
.phone__list li{display:flex;align-items:center;justify-content:space-between;gap:10px;
  padding:13px 0;border-top:1px solid var(--line);font-size:14px}
.phone__list b{font-weight:700}
.phone__list span{font-variant-numeric:tabular-nums;color:var(--muted)}
.phone__list i{font-style:normal;font-weight:700;font-variant-numeric:tabular-nums}
.hero__badge{position:absolute;left:0;bottom:34px;background:var(--surface);border-radius:var(--r);
  padding:18px 22px;box-shadow:var(--shadow-lg);max-width:180px}
.hero__badge__n{display:block;font:700 26px/1 var(--display);letter-spacing:-.04em;color:var(--terra)}
.hero__badge__l{display:block;font-size:13px;color:var(--muted);margin-top:6px;line-height:1.4}
@media(max-width:960px){.hero__in{grid-template-columns:1fr}.hero__badge{display:none}}
@media(max-width:440px){.hero__cta .btn{width:100%}}

/* ─── TABS + QUOTES ─── */
.tabs{display:flex;flex-wrap:wrap;gap:9px;margin-bottom:22px}
.tabs button{padding:11px 20px;border-radius:100px;border:2px solid transparent;background:var(--surface);
  font:600 14.5px/1 var(--sans);color:var(--ink-2);box-shadow:var(--shadow);transition:all .22s}
.tabs button.is-on{background:var(--terra);color:var(--on-terra);box-shadow:0 10px 22px -10px rgba(229,96,58,.6)}
.tabs button:not(.is-on):hover{color:var(--terra)}
.quotes{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;padding-bottom:clamp(40px,6vw,68px)}
.quote{background:var(--surface);border-radius:var(--r);padding:22px;box-shadow:var(--shadow);transition:transform .22s,box-shadow .22s}
.quote:hover{transform:translateY(-4px);box-shadow:var(--shadow-lg)}
.quote__sym{font:700 15px/1 var(--display);margin-bottom:5px}
.quote__name{font-size:12.5px;color:var(--muted);display:block;margin-bottom:16px}
.quote__px{font:700 21px/1 var(--display);letter-spacing:-.035em;font-variant-numeric:tabular-nums}
.quote__chg{font:700 13px/1 var(--sans);font-variant-numeric:tabular-nums;margin-left:9px}
@media(max-width:900px){.quotes{grid-template-columns:repeat(2,1fr)}}

/* ─── STATS ─── */
.stats{background:transparent}
.stats__in{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;padding-block:0 clamp(50px,7vw,84px)}
.stat{background:var(--surface);border-radius:var(--r);padding:30px 26px;box-shadow:var(--shadow)}
.stat b{display:block;font:700 clamp(28px,3.4vw,38px)/1 var(--display);letter-spacing:-.04em;color:var(--terra)}
.stat span{display:block;font-size:14px;color:var(--muted);margin-top:9px}
@media(max-width:720px){.stats__in{grid-template-columns:repeat(2,1fr)}}

/* ─── SECTIONS ─── */
.sec{padding-block:var(--sec)}
.sec--tint{background:var(--tint)}
.sec--dark{background:var(--dark);color:var(--on-dark)}
.sec--dark .sechead__p{color:var(--on-dark-mut)}
.sec--dark .eyebrow{color:var(--terra-2)}
.sechead{max-width:660px;margin-bottom:clamp(36px,4.6vw,60px)}
.sechead--center{max-width:680px;margin-inline:auto;text-align:center}
.sechead__h{font-size:clamp(29px,3.8vw,46px);letter-spacing:-.035em;margin-bottom:18px}
.sechead__p{font-size:17px;line-height:1.74;color:var(--ink-2)}

/* ─── CARDS ─── */
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:clamp(16px,2vw,22px)}
.card{background:var(--surface);border-radius:var(--r);padding:clamp(26px,3vw,36px);
  display:flex;flex-direction:column;box-shadow:var(--shadow);transition:transform .24s,box-shadow .24s}
.card:hover{transform:translateY(-5px);box-shadow:var(--shadow-lg)}
.card__ico{display:grid;place-items:center;width:56px;height:56px;border-radius:20px;
  background:var(--terra-soft);font-size:26px;margin-bottom:22px}
.card__num{display:grid;place-items:center;width:44px;height:44px;border-radius:100px;background:var(--terra-soft);
  color:var(--terra);font:700 14px/1 var(--display);margin-bottom:22px}
.card h3{font-size:22px;margin-bottom:12px}
.card p{font-size:15px;color:var(--ink-2);line-height:1.72;margin-bottom:20px;flex:1}
.card--dark{background:rgba(247,243,236,.07)}
.card--dark:hover{box-shadow:none;transform:translateY(-4px)}
.card--dark h3{color:var(--on-dark)}
.card--dark p{color:var(--on-dark-mut);margin-bottom:0}
@media(max-width:880px){.cards{grid-template-columns:1fr}}

/* ─── FEES ─── */
.fees{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:clamp(16px,2vw,22px)}
.fee{background:var(--surface);border-radius:var(--r);padding:clamp(26px,3.2vw,40px);box-shadow:var(--shadow)}
.fee--hero{background:var(--terra);color:#fff;box-shadow:0 20px 46px -18px rgba(229,96,58,.6)}
.fee p.fee__k{font:700 clamp(48px,6.4vw,74px)/1 var(--display);letter-spacing:-.05em;color:var(--terra);margin-bottom:16px}
.fee--hero p.fee__k{color:#fff}
.fee h3{font-size:20px;margin-bottom:12px}
.fee p{font-size:14.5px;line-height:1.72;color:var(--ink-2)}
.fee--hero h3,.fee--hero p{color:rgba(255,255,255,.94)}
.fees__note{margin-top:22px;font-size:13.5px;color:var(--muted);line-height:1.72;max-width:80ch}
@media(max-width:880px){.fees{grid-template-columns:1fr}}

/* ─── TRUST ─── */
.trust{display:grid;grid-template-columns:1fr 1fr;gap:clamp(32px,5vw,68px);align-items:center}
.trust__grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.trust__item{background:var(--surface);border-radius:var(--r);padding:26px;box-shadow:var(--shadow)}
.trust__item b{display:block;font-family:var(--display);font-size:17px;font-weight:600;margin-bottom:8px}
.trust__item span{font-size:14px;color:var(--muted);line-height:1.6}
@media(max-width:880px){.trust{grid-template-columns:1fr}}
@media(max-width:460px){.trust__grid{grid-template-columns:1fr}}

.stores{display:flex;flex-wrap:wrap;gap:14px;justify-content:center;margin-top:38px}
.store{display:inline-flex;align-items:center;gap:12px;padding:14px 28px;border-radius:100px;
  background:rgba(247,243,236,.1);border:2px solid rgba(247,243,236,.2);transition:background .22s,border-color .22s}
.store:hover{background:var(--on-dark);color:var(--dark);border-color:var(--on-dark)}
.store small{display:block;font-size:11.5px;opacity:.7}
.store b{font-family:var(--display);font-size:15.5px;font-weight:600}

/* ─── INSTRUMENTS ─── */
.instr{display:grid;grid-template-columns:repeat(6,1fr);gap:14px}
.instr__i{background:var(--surface);border-radius:var(--r-sm);padding:28px 16px;text-align:center;
  box-shadow:var(--shadow);transition:transform .22s,box-shadow .22s}
.instr__i:hover{transform:translateY(-4px);box-shadow:var(--shadow-lg)}
.instr__i b{display:block;font:700 clamp(25px,2.9vw,32px)/1 var(--display);letter-spacing:-.04em;color:var(--terra)}
.instr__i span{display:block;font-size:13px;color:var(--muted);margin-top:10px;line-height:1.45}
.instr__cta{margin-top:30px;text-align:center}
.instr__cta .lnk{align-self:center}
@media(max-width:1000px){.instr{grid-template-columns:repeat(3,1fr)}}
@media(max-width:560px){.instr{grid-template-columns:repeat(2,1fr)}}

/* ─── ARTICLES ─── */
.arts{display:grid;grid-template-columns:repeat(3,1fr);gap:clamp(16px,2vw,22px)}
.art{background:var(--surface);border-radius:var(--r);padding:28px;display:flex;flex-direction:column;gap:14px;
  box-shadow:var(--shadow);transition:transform .22s,box-shadow .22s}
.art:hover{transform:translateY(-5px);box-shadow:var(--shadow-lg)}
.art__c{display:inline-block;align-self:flex-start;padding:6px 13px;border-radius:100px;
  background:var(--terra-soft);color:var(--terra-2);font:700 11.5px/1 var(--sans);letter-spacing:.05em;text-transform:uppercase}
.art h3{font-size:18.5px;line-height:1.4}
.art::after{content:"→";color:var(--terra);font-weight:700;margin-top:auto}
@media(max-width:900px){.arts{grid-template-columns:1fr}}

/* ─── FAQ ─── */
.faq{display:grid;grid-template-columns:.7fr 1fr;gap:clamp(32px,5vw,72px);align-items:start}
.faq__head{position:sticky;top:116px}
.faq__head .lnk{margin-top:20px}
.qa{background:var(--surface);border-radius:var(--r);margin-bottom:14px;box-shadow:var(--shadow);transition:box-shadow .22s}
.qa[open]{box-shadow:var(--shadow-lg)}
.qa summary{display:flex;align-items:flex-start;justify-content:space-between;gap:20px;
  padding:22px 28px;cursor:pointer;list-style:none;font-family:var(--display);font-size:17px;font-weight:600;line-height:1.45}
.qa summary::-webkit-details-marker{display:none}
/* one self-contained pseudo-element: circle + glyph together, so it
   cannot escape the card the way an absolutely-positioned one would */
.qa summary::after{content:"+";flex:none;width:28px;height:28px;border-radius:100px;
  background:var(--terra-soft);color:var(--terra);font:700 17px/28px var(--sans);
  text-align:center;transition:transform .26s}
.qa[open] summary::after{transform:rotate(45deg)}
.qa__a{padding:0 28px 26px}
.qa__a p{font-size:15.5px;line-height:1.78;color:var(--ink-2)}
@media(max-width:900px){.faq{grid-template-columns:1fr}.faq__head{position:static}}

/* ─── CLOSING ─── */
.close{background:var(--dark);color:var(--on-dark);padding-block:clamp(64px,9vw,116px);text-align:center;
  position:relative;overflow:hidden}
.close::before{content:"";position:absolute;top:-180px;left:50%;transform:translateX(-50%);width:760px;height:560px;
  background:radial-gradient(circle,rgba(229,96,58,.3),transparent 66%);pointer-events:none}
.close__in{position:relative;max-width:740px;margin:0 auto}
.close__h{font-size:clamp(30px,4.4vw,50px);letter-spacing:-.04em;margin-bottom:18px}
.close__p{font-size:17.5px;line-height:1.68;color:var(--on-dark-mut);margin-bottom:36px}
.close__cta{display:flex;flex-wrap:wrap;gap:14px;justify-content:center}
@media(max-width:440px){.close__cta .btn{width:100%}}

/* ─── CONTACT ─── */
.contact{display:grid;grid-template-columns:1fr .85fr;gap:clamp(32px,5vw,72px);align-items:start}
.contact__meta{margin-top:32px;display:grid;gap:14px}
.contact__meta>div{display:flex;align-items:center;justify-content:space-between;gap:16px;
  background:var(--surface);border-radius:var(--r-sm);padding:17px 22px;box-shadow:var(--shadow)}
.contact__meta dt{font-size:13.5px;color:var(--muted);font-weight:600}
.contact__meta dd{font-size:15px;font-weight:700}
.contact__meta dd a:hover{color:var(--terra)}
.form{background:var(--surface);border-radius:var(--r);padding:clamp(26px,3.2vw,38px);box-shadow:var(--shadow-lg)}
.field{margin-bottom:20px}
.field label{display:block;font-size:13.5px;font-weight:700;color:var(--ink-2);margin-bottom:9px}
.field input,.field textarea{width:100%;padding:15px 18px;background:var(--bg);border:2px solid transparent;
  border-radius:var(--r-sm);font-size:15.5px;transition:border-color .22s,background .22s;resize:vertical}
.field input::placeholder,.field textarea::placeholder{color:var(--muted)}
.field input:focus,.field textarea:focus{outline:none;border-color:var(--terra);background:var(--surface)}
.field input:user-invalid,.field textarea:user-invalid{border-color:var(--down)}
.form__note{margin-top:16px;font-size:13px;color:var(--muted);text-align:center;line-height:1.6}
.form__ok{margin-top:16px;padding:14px;border-radius:var(--r-sm);background:var(--terra-soft);
  color:var(--terra-2);font-size:14.5px;font-weight:700;text-align:center}
@media(max-width:880px){.contact{grid-template-columns:1fr}}
@media(max-width:420px){.contact__meta>div{flex-direction:column;align-items:flex-start;gap:8px}}

/* ─── FOOTER ─── */
.foot{background:var(--dark);color:var(--on-dark-mut);padding-top:clamp(54px,7vw,84px);font-size:14.5px}
.foot__top{display:grid;grid-template-columns:1fr 2fr;gap:clamp(32px,5vw,64px);
  padding-bottom:46px;border-bottom:1px solid rgba(247,243,236,.14)}
.foot__tag{margin:20px 0 24px;line-height:1.74;max-width:36ch}
.foot__addr{font-size:13px;line-height:1.74}
.foot__addr b{display:block;font-family:var(--display);font-size:12.5px;font-weight:600;color:var(--on-dark);margin-bottom:8px}
.foot__cols{display:grid;grid-template-columns:repeat(4,1fr);gap:clamp(18px,2.4vw,30px)}
.foot__cols h3{font-size:15px;color:var(--on-dark);margin-bottom:18px;font-weight:600}
.foot__cols li{margin-bottom:12px}
.foot__cols a{font-size:14px;transition:color .22s}
.foot__cols a:hover{color:var(--on-dark)}
.foot__legal{padding-block:30px;border-bottom:1px solid rgba(247,243,236,.14);display:grid;gap:14px}
.foot__legal p{font-size:12.5px;line-height:1.78}
.foot__legal b{color:var(--on-dark);font-weight:700}
.foot__bar{display:flex;align-items:center;justify-content:space-between;gap:18px;flex-wrap:wrap;padding-block:26px 34px;font-size:13px}
.foot__bar nav{display:flex;gap:24px}
.foot__bar a:hover{color:var(--on-dark)}
@media(max-width:980px){.foot__top{grid-template-columns:1fr}.foot__cols{grid-template-columns:repeat(2,1fr)}}

/* ─── RISK BAR ─── */
.riskbar{position:fixed;left:0;right:0;bottom:0;z-index:80;background:var(--dark);color:var(--on-dark-mut);
  transform:translateY(100%);transition:transform .38s ease}
.riskbar.is-on{transform:none}
.riskbar__in{display:flex;align-items:center;gap:16px;padding-block:13px}
.riskbar p{font-size:12.5px;line-height:1.6}
.riskbar button{font-size:23px;line-height:1;opacity:.6;padding:2px 6px;flex:none}
.riskbar button:hover{opacity:1}

.rv{opacity:0;transform:translateY(18px);transition:opacity .65s cubic-bezier(.22,.8,.3,1),transform .65s cubic-bezier(.22,.8,.3,1)}
.rv.is-in{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){.rv{opacity:1;transform:none}}

/* ═══════════════════════════════════════════════════════════
   STRUCTURE — this build's own page architecture
   (stacked hero with the phone beneath · markets strip ·
    zig-zag offer rows · trust band above copy · numbered
    timeline · featured article + list · narrow centred FAQ ·
    stacked contact)
   ═══════════════════════════════════════════════════════════ */

/* hero: everything centred, phone directly under the copy */
.hero--stack{text-align:center}
.hero--stack .hero__copy{max-width:760px;margin:0 auto}
.hero--stack .hero__sub{margin-inline:auto}
.hero--stack .hero__cta,.hero--stack .hero__pts{justify-content:center}
.hero--stack .hero__art{justify-content:center;margin-top:clamp(38px,5vw,58px)}
.hero--stack .phone{width:min(420px,90vw)}
.hero--stack .hero__badge{left:auto;right:calc(50% + min(210px,45vw) + 16px);bottom:56px}
@media(max-width:1000px){.hero--stack .hero__badge{display:none}}
.statrow{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin-top:clamp(38px,5vw,56px);text-align:left}
.statrow .stat{background:var(--surface);border-radius:var(--r);padding:24px;box-shadow:var(--shadow)}
@media(max-width:720px){.statrow{grid-template-columns:repeat(2,1fr)}}

/* markets strip sits on its own tinted band */
.strip{background:var(--tint);padding-block:clamp(44px,6vw,72px)}
.strip .quotes{padding-bottom:0}

/* offer as alternating full-width rows: icon | (title over text) | link */
.zigs{display:grid;gap:clamp(16px,2vw,22px)}
.zig .card{display:grid;grid-template-columns:auto minmax(0,1fr) auto;
  grid-template-areas:"ico title link" "ico text link";
  align-items:center;column-gap:clamp(22px,3.4vw,44px);row-gap:8px;
  padding:clamp(28px,3.4vw,42px)}
.zig .card__ico{grid-area:ico;margin:0;width:76px;height:76px;border-radius:26px;font-size:34px}
.zig .card h3{grid-area:title;align-self:end;margin:0}
.zig .card p{grid-area:text;align-self:start;margin:0;max-width:62ch}
.zig .card .lnk{grid-area:link;align-self:center;white-space:nowrap}
.zigs .zig:nth-child(even) .card{grid-template-areas:"link title ico" "link text ico";text-align:right}
.zigs .zig:nth-child(even) .card p{margin-left:auto}
@media(max-width:860px){
  .zig .card,.zigs .zig:nth-child(even) .card{
    grid-template-columns:1fr;grid-template-areas:"ico" "title" "text" "link";
    text-align:left;row-gap:14px;justify-items:start}
  .zigs .zig:nth-child(even) .card p{margin-left:0}
}

/* trust: a band of four above the explanatory copy */
.trustband{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin-bottom:clamp(34px,4.4vw,52px)}
.trust__copy--center{max-width:660px;margin:0 auto;text-align:center}
.trust__copy--center .lnk{align-self:center}
@media(max-width:900px){.trustband{grid-template-columns:repeat(2,1fr)}}
@media(max-width:520px){.trustband{grid-template-columns:1fr}}

/* education as a numbered timeline */
.timeline{position:relative;display:grid;gap:18px;padding-left:34px}
.timeline::before{content:"";position:absolute;left:15px;top:14px;bottom:14px;width:2px;
  background:linear-gradient(var(--terra-soft),var(--terra),var(--terra-soft))}
.timeline .card{position:relative;flex-direction:row;align-items:flex-start;gap:22px}
.timeline .card::before{content:"";position:absolute;left:-34px;top:32px;width:16px;height:16px;
  border-radius:100px;background:var(--terra);border:4px solid var(--bg)}
.timeline .card__num{margin:0;flex:none}
.timeline .card p{margin-bottom:0}
@media(max-width:640px){.timeline .card{flex-direction:column;gap:14px}}

/* articles: one featured, the rest as a compact list */
.artsplit{display:grid;grid-template-columns:1fr 1fr;gap:clamp(18px,2.4vw,28px);align-items:start}
.artsplit__feature .art{height:100%;padding:clamp(30px,3.6vw,42px);justify-content:flex-end;min-height:300px}
.artsplit__feature .art h3{font-size:clamp(22px,2.4vw,30px);line-height:1.24}
.artsplit__rest{display:grid;gap:12px}
.artsplit__rest .art{flex-direction:row;align-items:center;gap:16px;padding:18px 22px}
.artsplit__rest .art h3{font-size:16px;flex:1;line-height:1.4}
.artsplit__rest .art__c{flex:none;order:-1}
.artsplit__rest .art::after{margin:0}
@media(max-width:820px){.artsplit{grid-template-columns:1fr}}

/* FAQ: one narrow centred column */
.faq--narrow{max-width:800px;margin-inline:auto}
.faq--narrow .sechead--center .lnk{align-self:center}

/* contact stacked: copy, form, then contact details */
.contact--stack{display:block;max-width:720px;margin-inline:auto;text-align:center}
.contact--stack .contact__copy{margin-bottom:32px}
.contact--stack .lnk{align-self:center}
.contact--stack .form{text-align:left}
.contact--stack .contact__meta{grid-template-columns:repeat(3,1fr);margin-top:24px}
.contact--stack .contact__meta>div{flex-direction:column;align-items:center;gap:7px;text-align:center}
@media(max-width:640px){.contact--stack .contact__meta{grid-template-columns:1fr}}