:root {
  --color-teal: #03afb3;
  --color-teal-dark: #028a8e;
  --color-navy: #063676;
  --color-navy-deep: #04244f;
  --color-ink: #05070d;
  --color-white: #ffffff;
  --color-muted: rgba(255, 255, 255, 0.78);
  --color-surface: #dceef0;
  --color-text: #4e6472;
  --color-card: #ffffff;

  --font-heading: "Nunito", sans-serif;
  --font-body: "Nunito Sans", sans-serif;

  --header-h: 5.25rem;
  --header-bg: #04244f;
  --radius: 0.55rem;
  --radius-lg: 1.1rem;
  --shadow: 0 12px 40px rgba(0, 0, 0, 0.28);
  --shadow-card: 0 14px 40px rgba(6, 54, 118, 0.08);
  --max: 1200px;
  --gutter: 1.25rem;
}

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

html {
  font-size: 16px;
  scroll-behavior: smooth;
  overflow-x: hidden;
}

body {
  min-height: 100vh;
  overflow-x: hidden;
  background-color: var(--color-ink);
  color: var(--color-white);
  font-family: var(--font-body);
  line-height: 1.5;
}

main {
  overflow-x: hidden;
}

img {
  max-width: 100%;
  display: block;
}

a {
  color: inherit;
  text-decoration: none;
}

ul {
  list-style: none;
}

.container {
  width: min(100%, calc(var(--max) + var(--gutter) * 2));
  padding-inline: var(--gutter);
  margin-inline: auto;
}

.icon,
.chevron {
  width: 1.1em;
  height: 1.1em;
  flex-shrink: 0;
}

/* ---------- Top bar ---------- */

.topbar {
  /* background: color-mix(in srgb, var(--color-teal) 22%, #02151c); */
  background: var(--color-teal);
  color: var(--color-white);
  font-size: 0.875rem;
  font-weight: 500;
}

.topbar-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  min-width: 0;
  min-height: 2.5rem;
  padding-block: 0.45rem;
}

.topbar-message,
.topbar-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
}

.topbar-message {
  min-width: 0;
  flex: 1 1 auto;
}

.topbar-badge {
  flex-shrink: 0;
  white-space: nowrap;
  opacity: 0.92;
}

/* ---------- Header ---------- */

.header {
  position: sticky;
  top: 0;
  z-index: 1000;
  width: 100%;
  max-width: 100%;
  margin-bottom: calc(var(--header-h) * -1);
  background: transparent;
  transition: background-color 0.28s ease, box-shadow 0.28s ease, backdrop-filter 0.28s ease;
}

.header-inner {
  display: grid;
  grid-template-columns: minmax(0, 1fr) auto minmax(0, 1fr);
  align-items: center;
  gap: 0.75rem;
  min-width: 0;
  max-width: 100%;
  min-height: var(--header-h);
}

.header:has(.nav-toggle:checked) {
  animation: none;
  background-color: var(--header-bg);
  box-shadow: var(--shadow);
}

.brand {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  justify-self: start;
  flex-shrink: 0;
  z-index: 2;
}

.brand-mark {
  width: 3.15rem;
  height: 3.15rem;
  border-radius: 50%;
  overflow: hidden;
  background: var(--color-teal);
  flex-shrink: 0;
}

.brand-mark img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transform: scale(1.12);
}

.brand-text {
  display: flex;
  flex-direction: column;
  line-height: 1.15;
}

.brand-name {
  font-family: var(--font-heading);
  font-size: 1.2rem;
  font-weight: 700;
  letter-spacing: 0.04em;
}

.brand-tagline {
  font-size: 0.72rem;
  color: var(--color-muted);
  font-weight: 500;
}

.nav {
  display: flex;
  align-items: center;
  justify-self: center;
}

.nav-list {
  display: flex;
  align-items: center;
  gap: 0.15rem;
}

.nav-list > li > a {
  display: inline-flex;
  align-items: center;
  gap: 0.15rem;
  padding: 0.5rem 0.4rem;
  color: var(--color-white);
  font-family: var(--font-heading);
  font-size: 0.8125rem;
  font-weight: 500;
  white-space: nowrap;
  border-radius: 0.4rem;
  transition: color 0.2s ease, background-color 0.2s ease;
}

.nav-list > li > a:hover,
.nav-list > li > a:focus-visible {
  color: var(--color-teal);
}

.chevron {
  width: 1rem;
  height: 1rem;
  transition: transform 0.2s ease;
}

.has-dropdown {
  position: relative;
}

.dropdown {
  position: absolute;
  top: calc(100% + 0.4rem);
  left: 0;
  min-width: 13.5rem;
  padding: 0.45rem;
  background: var(--header-bg);
  border: 1px solid rgba(3, 175, 179, 0.22);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  opacity: 0;
  visibility: hidden;
  transform: translateY(0.4rem);
  transition: opacity 0.2s ease, transform 0.2s ease, visibility 0.2s ease;
}

.has-dropdown:hover .dropdown,
.has-dropdown:focus-within .dropdown {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}

.has-dropdown:hover .chevron,
.has-dropdown:focus-within .chevron {
  transform: rotate(180deg);
}

.dropdown a {
  display: block;
  padding: 0.65rem 0.8rem;
  border-radius: 0.4rem;
  font-family: var(--font-heading);
  font-size: 0.875rem;
  font-weight: 500;
  color: var(--color-white);
  transition: background-color 0.2s ease, color 0.2s ease;
}

.dropdown a:hover,
.dropdown a:focus-visible {
  background: rgba(3, 175, 179, 0.16);
  color: var(--color-teal);
}

.header-actions {
  display: flex;
  align-items: center;
  justify-content: flex-end;
  gap: 0.5rem;
  flex-shrink: 0;
}

.header-actions--desktop {
  justify-self: end;
}

.header-actions .btn {
  padding: 0.55rem 0.95rem;
}

.header-actions--mobile {
  display: none;
}

.nav-toggle {
  position: absolute;
  width: 1px;
  height: 1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
}

.nav-toggle-btn {
  display: none;
  position: relative;
  z-index: 2;
  width: 2.5rem;
  height: 2.5rem;
  margin-left: auto;
  flex-shrink: 0;
  place-items: center;
  cursor: pointer;
  border-radius: 0.4rem;
  overflow: hidden;
}

.nav-toggle-btn span {
  display: block;
  grid-area: 1 / 1;
  width: 1.35rem;
  height: 2px;
  background: var(--color-white);
  border-radius: 2px;
  transform-origin: center;
  transition: transform 0.25s ease, opacity 0.25s ease;
}

.nav-toggle-btn span:nth-child(1) {
  transform: translateY(-6px);
}

.nav-toggle-btn span:nth-child(2) {
  transform: none;
}

.nav-toggle-btn span:nth-child(3) {
  transform: translateY(6px);
}

.nav-toggle:checked + .nav-toggle-btn span:nth-child(1) {
  transform: rotate(45deg);
}

.nav-toggle:checked + .nav-toggle-btn span:nth-child(2) {
  opacity: 0;
  transform: scaleX(0);
}

.nav-toggle:checked + .nav-toggle-btn span:nth-child(3) {
  transform: rotate(-45deg);
}

/* ---------- Buttons ---------- */

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.45rem;
  padding: 0.62rem 1.15rem;
  border: 1.5px solid transparent;
  border-radius: var(--radius);
  font-family: var(--font-heading);
  font-size: 0.9rem;
  font-weight: 600;
  line-height: 1.2;
  white-space: nowrap;
  cursor: pointer;
  transition: background-color 0.2s ease, color 0.2s ease, border-color 0.2s ease, transform 0.2s ease;
}

.btn-primary {
  background: var(--color-teal);
  color: var(--color-white);
}

.btn-primary:hover,
.btn-primary:focus-visible {
  background: var(--color-teal-dark);
  transform: translateY(-1px);
}

.btn-ghost {
  background: transparent;
  border-color: rgba(255, 255, 255, 0.85);
  color: var(--color-white);
}

.btn-ghost:hover,
.btn-ghost:focus-visible {
  background: var(--color-white);
  color: var(--color-navy);
}

.btn-on-light {
  background: var(--color-white);
  color: var(--color-teal);
}

.btn-on-light:hover,
.btn-on-light:focus-visible {
  background: #f4ffff;
  color: var(--color-teal-dark);
  transform: translateY(-1px);
}

.btn-lg {
  padding: 0.95rem 1.55rem;
  font-size: 1rem;
}

/* ---------- Hero ---------- */

.hero {
  position: relative;
  isolation: isolate;
  display: grid;
  align-items: center;
  min-height: 100vh;
  min-height: 100dvh;
  overflow: hidden;
  background: var(--color-ink);
}

.hero-media {
  position: absolute;
  top: 0;
  bottom: 0;
  left: 0;
  right: auto;
  z-index: 0;
  width: 130%;
  max-width: none;
  height: calc(100% - 1.5rem);
  object-fit: cover;
  object-position: 40% 30%;
}

.hero-overlay {
  position: absolute;
  inset: 0;
  z-index: 1;
  background:
    linear-gradient(
      90deg,
      rgba(5, 7, 13, 0.88) 0%,
      rgba(5, 7, 13, 0.62) 38%,
      rgba(5, 7, 13, 0.18) 68%,
      rgba(5, 7, 13, 0.08) 100%
    ),
    linear-gradient(
      180deg,
      rgba(5, 7, 13, 0.28) 0%,
      transparent 28%,
      rgba(5, 7, 13, 0.35) 100%
    );
  pointer-events: none;
}

.hero-content {
  position: relative;
  z-index: 2;
  padding-top: calc(var(--header-h) + 2.5rem);
  padding-bottom: 4.5rem;
  max-width: 54rem;
  margin-left: max(1.25rem, calc((100% - var(--max)) / 2));
  margin-right: auto;
}

.hero-content h1 {
  font-family: var(--font-heading);
  font-size: clamp(1.65rem, 4.4vw, 3.85rem);
  font-weight: 800;
  line-height: 1.12;
  letter-spacing: -0.02em;
  color: var(--color-white);
}

.hero-title-main {
  display: block;
  white-space: nowrap;
}

.hero-title-accent {
  display: block;
  color: var(--color-teal);
}

.hero-lead {
  margin-top: 1.25rem;
  max-width: 34rem;
  color: var(--color-muted);
  font-size: clamp(1rem, 1.4vw, 1.15rem);
}

.hero-ctas {
  display: flex;
  flex-wrap: wrap;
  gap: 0.85rem;
  margin-top: 2rem;
}

.hero-proof {
  display: flex;
  align-items: center;
  gap: 0.9rem;
  margin-top: 2.35rem;
  max-width: 26rem;
}

.hero-proof p {
  color: var(--color-muted);
  font-size: 0.92rem;
}

.avatar-stack {
  display: flex;
  flex-shrink: 0;
}

.avatar {
  display: grid;
  place-items: center;
  width: 2.35rem;
  height: 2.35rem;
  margin-left: -0.55rem;
  border: 2px solid var(--color-ink);
  border-radius: 50%;
  background: var(--color-navy);
  color: var(--color-white);
  font-family: var(--font-heading);
  font-size: 0.75rem;
  font-weight: 700;
}

.avatar:first-child {
  margin-left: 0;
  background: var(--color-teal);
  color: var(--color-navy);
}

.avatar:nth-child(2) {
  background: var(--color-navy-deep);
}

.avatar:nth-child(3) {
  background: #0a5c7a;
}

/* ---------- Platform ---------- */

.platform {
  position: relative;
  z-index: 1;
  isolation: isolate;
  overflow: hidden;
  padding: clamp(4rem, 8vw, 6.5rem) 0;
  background: color-mix(in srgb, var(--color-teal) 5%, var(--color-white));
}

.platform::before
/* .platform::after */
 {
  content: "";
  position: absolute;
  border-radius: 50%;
  pointer-events: none;
  filter: blur(52px);
}

.platform::before {
  width: 22rem;
  height: 22rem;
  top: -7rem;
  left: -5rem;
  background: color-mix(in srgb, var(--color-teal) 20%, transparent);
}

.platform::after {
  width: 16rem;
  height: 16rem;
  right: 12%;
  bottom: -6rem;
  background: color-mix(in srgb, var(--color-teal) 14%, transparent);
}

.platform-grid {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: 1.15fr 0.9fr;
  gap: clamp(1.75rem, 4vw, 4rem);
  align-items: center;
}

.platform-visual {
  position: relative;
  min-width: 0;
}

.platform-visual::before {
  content: "";
  position: absolute;
  inset: 18% 10% 10%;
  z-index: -1;
  border-radius: 50%;
  background: var(--color-teal);
  opacity: 0.16;
  filter: blur(48px);
}

.platform-visual img {
  width: 100%;
  height: auto;
  object-fit: contain;
}

.platform-copy {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
}

.platform-copy h2,
.transfers-intro h2,
.services-intro h2 {
  margin-top: 0.7rem;
  color: var(--color-navy);
  font-family: var(--font-heading);
  font-size: clamp(1.85rem, 3.2vw, 2.55rem);
  font-weight: 800;
  line-height: 1.18;
  letter-spacing: -0.02em;
}

.platform-lead {
  margin: 1.1rem 0 0.35rem;
  color: var(--color-text);
  font-size: 1.05rem;
  line-height: 1.65;
}

.platform-copy .check-list {
  margin: 1.25rem 0 1.75rem;
}

/* ---------- Transfers ---------- */

.transfers {
  position: relative;
  z-index: 1;
  padding: clamp(4rem, 8vw, 6.5rem) 0;
  background: var(--color-surface);
}

.transfers-grid {
  display: grid;
  grid-template-columns: minmax(16rem, 0.95fr) 1fr 1fr;
  gap: 1.75rem;
  align-items: stretch;
}

.transfers-intro {
  display: flex;
  flex-direction: column;
  justify-content: center;
  align-items: flex-start;
  padding-right: 0.75rem;
}

.section-kicker {
  color: var(--color-teal);
  font-family: var(--font-heading);
  font-size: 0.82rem;
  font-weight: 800;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.transfers-copy {
  margin: 1.1rem 0 1.6rem;
  max-width: 22rem;
  color: var(--color-text);
  font-size: 1.05rem;
  line-height: 1.65;
}

.transfer-card {
  display: flex;
  flex-direction: column;
  min-height: 100%;
  padding: 1.75rem 1.7rem 1.5rem;
  background: var(--color-card);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-card);
  transition: transform 0.22s ease, box-shadow 0.22s ease;
}

.transfer-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 18px 44px rgba(6, 54, 118, 0.12);
}

.transfer-card-media {
  display: grid;
  place-items: center;
  height: 10.5rem;
  margin-bottom: 0.35rem;
}

.transfer-card-media img {
  width: auto;
  max-width: 100%;
  height: 10.5rem;
  object-fit: contain;
}

.transfer-card h3 {
  margin: 0.85rem 0 1rem;
  color: var(--color-navy);
  font-family: var(--font-heading);
  font-size: 1.35rem;
  font-weight: 800;
}

.check-list {
  display: grid;
  gap: 0.75rem;
  margin-bottom: 1.4rem;
}

.check-list li {
  display: flex;
  align-items: flex-start;
  gap: 0.7rem;
  color: var(--color-text);
  font-size: 0.98rem;
  line-height: 1.45;
}

.check-list li::before {
  content: "";
  width: 1.25rem;
  height: 1.25rem;
  flex-shrink: 0;
  margin-top: 0.1rem;
  border-radius: 50%;
  background: var(--color-teal) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath fill='none' stroke='%23fff' stroke-width='2.6' stroke-linecap='round' stroke-linejoin='round' d='M6.5 12.5l3.4 3.4 7.6-7.6'/%3E%3C/svg%3E") center / 0.85rem no-repeat;
}

.text-link {
  display: inline-flex;
  align-items: center;
  gap: 0.3rem;
  margin-top: auto;
  color: var(--color-teal);
  font-family: var(--font-heading);
  font-size: 0.95rem;
  font-weight: 700;
  transition: gap 0.2s ease, color 0.2s ease;
}

.text-link .icon {
  width: 1rem;
  height: 1rem;
}

.text-link:hover,
.text-link:focus-visible {
  gap: 0.5rem;
  color: var(--color-teal-dark);
}

/* ---------- Services ---------- */

.services {
  position: relative;
  z-index: 1;
  padding: clamp(4rem, 8vw, 6.5rem) 0;
  background: var(--color-white);
}

.services-layout {
  display: grid;
  grid-template-columns: minmax(16rem, 0.42fr) minmax(0, 1fr);
  gap: clamp(2rem, 4vw, 3.5rem);
  align-items: center;
}

.services-intro {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
}

.services-copy {
  margin: 1.1rem 0 1.6rem;
  max-width: 24rem;
  color: var(--color-text);
  font-size: 1.05rem;
  line-height: 1.65;
}

.services-panel {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  background: var(--color-card);
  border: 1px solid color-mix(in srgb, var(--color-navy) 8%, transparent);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-card);
  overflow: hidden;
}

.service-item {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 0.9rem;
  padding: 1.45rem 1.25rem;
  border-right: 1px solid color-mix(in srgb, var(--color-navy) 8%, transparent);
  border-bottom: 1px solid color-mix(in srgb, var(--color-navy) 8%, transparent);
}

.service-item:nth-child(3n) {
  border-right: none;
}

.service-item:nth-child(n + 4) {
  border-bottom: none;
}

.service-icon {
  display: grid;
  place-items: center;
  width: 2.65rem;
  height: 2.65rem;
  flex-shrink: 0;
  border-radius: 0.55rem;
  background: color-mix(in srgb, var(--color-teal) 14%, var(--color-white));
  color: var(--color-teal);
}

.service-icon svg {
  width: 1.3rem;
  height: 1.3rem;
}

.service-item h3 {
  margin-bottom: 0.3rem;
  color: var(--color-navy);
  font-family: var(--font-heading);
  font-size: 1rem;
  font-weight: 800;
}

.service-item p {
  color: var(--color-text);
  font-size: 0.88rem;
  line-height: 1.5;
}

/* ---------- Trust ---------- */

.trust {
  position: relative;
  z-index: 1;
  overflow: hidden;
  padding: clamp(3.5rem, 7vw, 6rem) 0;
  background: var(--color-navy-deep);
}

.trust-grid {
  display: grid;
  grid-template-columns: minmax(0, 0.38fr) minmax(0, 0.62fr);
  gap: clamp(0.75rem, 2.5vw, 2rem);
  align-items: center;
}

.trust-visual {
  position: relative;
  display: grid;
  place-items: center;
  min-width: 0;
  margin-block: -2.5rem -1.5rem;
  margin-left: -1rem;
}

.trust-visual::before {
  content: "";
  position: absolute;
  inset: 8% 4% 6%;
  z-index: 0;
  border-radius: 50%;
  background: var(--color-teal);
  opacity: 0.28;
  filter: blur(52px);
  pointer-events: none;
}

.trust-visual img {
  position: relative;
  z-index: 1;
  width: 138%;
  max-width: none;
  height: auto;
  min-height: 28rem;
  object-fit: contain;
}

.trust-copy {
  min-width: 0;
}

.trust-kicker {
  color:var(--color-teal);
  font-family: var(--font-heading);
  font-size: 0.82rem;
  font-weight: 800;
  letter-spacing: 0.1em;
  text-transform: uppercase;
}

.trust-copy h2 {
  margin-top: 0.7rem;
  color: var(--color-white);
  font-family: var(--font-heading);
  font-size: clamp(1.85rem, 3.2vw, 2.55rem);
  font-weight: 800;
  line-height: 1.18;
  letter-spacing: -0.02em;
}

.trust-lead {
  margin-top: 1rem;
  max-width: 34rem;
  color: rgba(255, 255, 255, 0.68);
  font-size: 1.05rem;
  line-height: 1.65;
}

.trust-features {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 1.75rem;
  margin-top: 2.25rem;
}

.trust-icon {
  display: inline-flex;
  margin-bottom: 0.85rem;
  color: var(--color-teal);
}

.trust-icon svg {
  width: 2.55rem;
  height: 2.55rem;
}

.trust-feature h3 {
  margin-bottom: 0.35rem;
  color: var(--color-white);
  font-family: var(--font-heading);
  font-size: 0.92rem;
  font-weight: 800;
  letter-spacing: -0.02em;
  white-space: nowrap;
}

.trust-feature p {
  color: rgba(255, 255, 255, 0.6);
  font-size: 0.84rem;
  line-height: 1.5;
}

/* ---------- How it works ---------- */

.how {
  position: relative;
  z-index: 1;
  background:
    radial-gradient(circle, color-mix(in srgb, var(--color-navy) 18%, transparent) 1.1px, transparent 1.2px),
    var(--color-white);
  background-size: 22px 22px, auto;
}

.how-intro {
  max-width: 44rem;
  padding-top: clamp(4rem, 7vw, 5.5rem);
  padding-bottom: 2.25rem;
  text-align: center;
}

.how-pill {
  display: inline-block;
  padding: 0.38rem 0.95rem;
  color: var(--color-teal);
  font-family: var(--font-heading);
  font-size: 0.75rem;
  font-weight: 800;
  letter-spacing: 0.12em;
  text-transform: uppercase;
}

.how-intro h2 {
  margin-top: 1rem;
  color: var(--color-navy);
  font-family: var(--font-heading);
  font-size: clamp(1.85rem, 3.4vw, 2.7rem);
  font-weight: 800;
  line-height: 1.2;
  letter-spacing: -0.02em;
}

.how-intro h2 span {
  color: var(--color-teal);
}

.how-lead {
  margin: 0.9rem auto 0;
  max-width: 36rem;
  color: var(--color-text);
  font-size: 1.05rem;
  line-height: 1.65;
}

.how-body {
  clip-path: polygon(48% 10%, 100% 0, 100% 60%, 100% 100%, 0 100%, 0% 60%, 0 0);
  background: var(--color-navy-deep);
  padding: clamp(6.5rem, 12vw, 9rem) 0 clamp(3.5rem, 6vw, 5rem);
}

.how-steps {
  display: grid;
  grid-template-columns: 1fr auto 1fr auto 1fr;
  gap: 0.85rem;
  align-items: stretch;
}

.how-card {
  position: relative;
  display: flex;
  flex-direction: column;
  min-width: 0;
  padding: 1.15rem 1.15rem 1.35rem;
  border: 1px solid color-mix(in srgb, var(--color-teal) 32%, transparent);
  border-radius: 1.1rem;
  background: color-mix(in srgb, #031a3a 82%, transparent);
  box-shadow: 0 0 0 1px rgba(255, 255, 255, 0.03) inset;
}

.how-num {
  position: absolute;
  top: 0.9rem;
  left: 0.9rem;
  z-index: 2;
  display: grid;
  place-items: center;
  width: 2.1rem;
  height: 2.1rem;
  border-radius: 50%;
  background: var(--color-navy);
  color: var(--color-white);
  font-family: var(--font-heading);
  font-size: 0.72rem;
  font-weight: 800;
  box-shadow: 0 0 0 3px color-mix(in srgb, var(--color-teal) 35%, transparent);
}

.how-card-media {
  display: grid;
  place-items: center;
  overflow: hidden;
  margin-bottom: 1rem;
  border-radius: 0.8rem;
  background: #02101f;
}

.how-card-media img {
  width: 100%;
  height: 13.5rem;
  object-fit: cover;
  object-position: center;
}

.how-card-body {
  display: grid;
  grid-template-columns: auto 1fr;
  column-gap: 0.8rem;
  row-gap: 0.25rem;
  align-items: start;
}

.how-card-icon {
  display: grid;
  place-items: center;
  width: 2.4rem;
  height: 2.4rem;
  grid-row: span 2;
  border: 1px solid rgba(255, 255, 255, 0.22);
  border-radius: 0.5rem;
  color: var(--color-white);
}

.how-card-icon svg {
  width: 1.15rem;
  height: 1.15rem;
}

.how-card h3 {
  color: var(--color-white);
  font-family: var(--font-heading);
  font-size: 1.05rem;
  font-weight: 800;
}

.how-card p {
  color: rgba(255, 255, 255, 0.62);
  font-size: 0.88rem;
  line-height: 1.5;
}

.how-arrow {
  display: grid;
  place-items: center;
  align-self: center;
  color: var(--color-teal);
  filter: drop-shadow(0 0 8px color-mix(in srgb, var(--color-teal) 70%, transparent));
}

.how-arrow svg {
  width: 1.65rem;
  height: 1.65rem;
}

.how-perks {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 1.25rem;
  margin-top: 2.75rem;
  padding-top: 1.75rem;
  border-top: 1px solid color-mix(in srgb, var(--color-teal) 18%, transparent);
}

.how-perk {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 0.8rem;
  align-items: start;
}

.how-perk-icon {
  display: grid;
  place-items: center;
  width: 2.45rem;
  height: 2.45rem;
  border-radius: 50%;
  background: color-mix(in srgb, var(--color-teal) 18%, transparent);
  color: var(--color-teal);
}

.how-perk-icon svg {
  width: 1.2rem;
  height: 1.2rem;
}

.how-perk h3 {
  color: var(--color-white);
  font-family: var(--font-heading);
  font-size: 0.95rem;
  font-weight: 800;
}

.how-perk p {
  margin-top: 0.2rem;
  color: rgba(255, 255, 255, 0.58);
  font-size: 0.82rem;
  line-height: 1.45;
}

/* ---------- Reviews ---------- */

.reviews {
  position: relative;
  z-index: 1;
  overflow: hidden;
  padding: 0;
  background: #f6fbfb;
}

.reviews-nav {
  display: grid;
  place-items: center;
  width: 2.15rem;
  height: 2.15rem;
  flex-shrink: 0;
  border: 1px solid var(--color-teal);
  border-radius: 50%;
  background: var(--color-teal);
  color: var(--color-white);
  cursor: pointer;
  transition: background-color 0.2s ease, color 0.2s ease, border-color 0.2s ease;
}

.reviews-nav svg {
  width: 0.95rem;
  height: 0.95rem;
}

.reviews-nav:hover,
.reviews-nav:focus-visible {
  background: var(--color-teal-dark);
  border-color: var(--color-teal-dark);
  color: var(--color-white);
}

.reviews-shell {
  display: grid;
  grid-template-columns:
    max(1.25rem, calc((100% - var(--max)) / 2))
    minmax(16rem, 0.72fr)
    minmax(16rem, 0.78fr)
    minmax(0, 0.95fr);
  align-items: stretch;
  min-height: 24rem;
}

.reviews-intro {
  display: flex;
  flex-direction: column;
  justify-content: center;
  grid-column: 2;
  min-width: 0;
  padding: 2.25rem 1.5rem 2.25rem 0;
}

.reviews-intro h2 {
  margin-top: 0.55rem;
  max-width: 12ch;
  color: var(--color-navy);
  font-family: var(--font-heading);
  font-size: clamp(1.7rem, 2.8vw, 2.35rem);
  font-weight: 800;
  line-height: 1.18;
  letter-spacing: -0.02em;
}

.reviews-quote {
  display: flex;
  flex-direction: column;
  justify-content: center;
  grid-column: 3;
  min-width: 12rem;
  padding: 2.25rem 1.25rem 2.25rem 0.5rem;
}

.reviews-swiper {
  width: 100%;
  overflow: hidden;
  min-height: 12.5rem;
}

.reviews-swiper .swiper-wrapper {
  min-height: 12.5rem;
}

.reviews-swiper .swiper-slide {
  height: auto;
  background: transparent;
  opacity: 1;
}

.reviews-mark {
  display: block;
  margin: 0 0 0.2rem;
  color: var(--color-teal);
  font-family: var(--font-heading);
  font-size: 3.1rem;
  font-weight: 800;
  line-height: 0.7;
}

.reviews-swiper p {
  max-width: 28rem;
  color: var(--color-text);
  font-size: 1.02rem;
  line-height: 1.65;
}

.reviews-author {
  display: flex;
  align-items: center;
  gap: 0.85rem;
  margin-top: 1.15rem;
}

.reviews-avatar {
  width: 3.15rem;
  height: 3.15rem;
  flex-shrink: 0;
  border-radius: 50%;
  object-fit: cover;
  object-position: center top;
  background: #ececec;
  box-shadow: 0 0 0 2px color-mix(in srgb, var(--color-teal) 35%, transparent);
}

.reviews-avatar--initial {
  display: grid;
  place-items: center;
  background: var(--color-navy);
  color: var(--color-white);
  font-family: var(--font-heading);
  font-size: 0.95rem;
  font-weight: 800;
}

.reviews-avatar--teal {
  background: var(--color-teal);
  color: var(--color-navy);
}

.reviews-author cite {
  display: flex;
  flex-direction: column;
  font-style: normal;
}

.reviews-author strong {
  color: var(--color-navy);
  font-family: var(--font-heading);
  font-size: 1rem;
  font-weight: 800;
}

.reviews-author span {
  color: var(--color-text);
  font-size: 0.88rem;
}

.reviews-controls {
  display: flex;
  align-items: center;
  width: 100%;
  max-width: 28rem;
  margin-top: 1.2rem;
}

.reviews-pagination {
  position: static;
  display: flex;
  flex: 1;
  align-items: center;
  justify-content: center;
  width: auto;
  margin: 0;
}

.reviews-pagination .swiper-pagination-bullet {
  width: 0.5rem;
  height: 0.5rem;
  margin: 0 0.28rem 0 0;
  background: #c9d6da;
  opacity: 1;
  border-radius: 999px;
  transition: width 0.2s ease, background-color 0.2s ease;
}

.reviews-pagination .swiper-pagination-bullet-active {
  width: 1.45rem;
  background: var(--color-teal);
}

.reviews-visual {
  grid-column: 4;
  min-width: 0;
  min-height: 100%;
  overflow: hidden;
  align-self: stretch;
}

.reviews-visual img {
  display: block;
  width: 100%;
  height: 100%;
  max-height: none;
  object-fit: cover;
  object-position: 55% 18%;
  mix-blend-mode: multiply;
}

/* ---------- CTA ---------- */

.cta {
  position: relative;
  z-index: 1;
  overflow: hidden;
  padding: 1.35rem 0;
  background:
    linear-gradient(
      90deg,
      color-mix(in srgb, var(--color-teal) 55%, var(--color-navy-deep)) 0%,
      var(--color-teal) 48%,
      color-mix(in srgb, var(--color-teal) 62%, var(--color-navy)) 100%
    );
}

.cta-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 2rem;
}

.cta-copy {
  display: flex;
  align-items: center;
  gap: 1.15rem;
  min-width: 0;
}

.cta-icon {
  display: grid;
  place-items: center;
  width: 5.5rem;
  height: 5.5rem;
  flex-shrink: 0;
  overflow: hidden;
  border-radius: 50%;
  background: var(--color-white);
  box-shadow: 0 8px 22px rgba(0, 0, 0, 0.12);
}

.cta-icon img {
  width: 86%;
  height: 86%;
  object-fit: contain;
  mix-blend-mode: multiply;
}

.cta-copy h2 {
  color: var(--color-white);
  font-family: var(--font-heading);
  font-size: clamp(1.25rem, 2.2vw, 1.7rem);
  font-weight: 800;
  line-height: 1.25;
}

.cta-copy p {
  margin-top: 0.3rem;
  color: rgba(255, 255, 255, 0.9);
  font-size: 0.98rem;
}

.cta-actions {
  display: flex;
  flex-shrink: 0;
  flex-wrap: wrap;
  gap: 0.75rem;
}

/* ---------- Footer ---------- */

.footer {
  background: var(--color-navy-deep);
  color: rgba(255, 255, 255, 0.72);
}

.footer-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.4fr) repeat(3, minmax(0, 0.7fr));
  gap: 2.5rem 2rem;
  padding-block: 4rem 3rem;
}

.footer-brand .brand {
  margin-bottom: 1.05rem;
}

.footer-brand p {
  max-width: 22rem;
  font-size: 0.95rem;
  line-height: 1.65;
}

.footer-note {
  margin-top: 0.85rem;
  color: var(--color-teal);
  font-family: var(--font-heading);
  font-size: 0.82rem;
  font-weight: 800;
  letter-spacing: 0.06em;
  text-transform: uppercase;
}

.footer-col h3 {
  margin-bottom: 1rem;
  color: var(--color-white);
  font-family: var(--font-heading);
  font-size: 0.92rem;
  font-weight: 800;
  letter-spacing: 0.04em;
  text-transform: uppercase;
}

.footer-col li + li {
  margin-top: 0.65rem;
}

.footer-col a {
  color: rgba(255, 255, 255, 0.72);
  font-size: 0.95rem;
  transition: color 0.2s ease;
}

.footer-col a:hover,
.footer-col a:focus-visible {
  color: var(--color-teal);
}

.footer-bottom {
  border-top: 1px solid color-mix(in srgb, var(--color-teal) 22%, transparent);
}

.footer-bottom-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  flex-wrap: wrap;
  padding-block: 1.35rem 1.5rem;
  font-size: 0.85rem;
}

.footer-bottom ul {
  display: flex;
  flex-wrap: wrap;
  gap: 1.15rem;
}

.footer-bottom a {
  color: rgba(255, 255, 255, 0.72);
  transition: color 0.2s ease;
}

.footer-bottom a:hover,
.footer-bottom a:focus-visible {
  color: var(--color-teal);
}

@supports (animation-timeline: scroll()) {
  .header {
    animation: header-solid steps(1, end) both;
    animation-timeline: scroll(root);
    animation-range: 0vh 35vh;
  }

  @keyframes header-solid {
    from {
      background-color: transparent;
      box-shadow: none;
    }

    to {
      background-color: #04244f;
      box-shadow: var(--shadow);
    }
  }
}

/* ---------- Responsive ---------- */

@media (max-width: 1199px) {
  .topbar-badge {
    display: none;
  }

  .header-inner {
    display: flex;
  }

  .brand {
    order: 1;
  }

  .header-actions--desktop {
    order: 2;
    margin-left: auto;
  }

  .header-actions--desktop .btn {
    padding: 0.5rem 0.9rem;
    font-size: 0.82rem;
  }

  .nav-toggle-btn {
    display: grid;
    order: 3;
    margin-left: 0.2rem;
  }

  .nav {
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    order: 4;
    width: 100%;
    max-width: 100%;
    display: block;
    margin: 0;
    padding: 0.5rem 1.25rem 1.25rem;
    background: var(--header-bg);
    border-top: 1px solid rgba(3, 175, 179, 0.2);
    box-shadow: var(--shadow);
    opacity: 0;
    visibility: hidden;
    transform: translateY(-0.4rem);
    pointer-events: none;
    overflow-x: hidden;
    transition: opacity 0.22s ease, transform 0.22s ease, visibility 0.22s ease;
  }

  .header:has(.nav-toggle:checked) .nav {
    opacity: 1;
    visibility: visible;
    transform: translateY(0);
    pointer-events: auto;
  }

  .nav-list {
    flex-direction: column;
    align-items: stretch;
    gap: 0.15rem;
  }

  .nav-list > li > a {
    padding: 0.85rem 0.7rem;
    font-size: 1rem;
    white-space: normal;
  }

  .dropdown {
    position: static;
    min-width: 0;
    margin: 0 0.4rem 0.4rem;
    opacity: 1;
    visibility: visible;
    transform: none;
    display: none;
    background: rgba(0, 0, 0, 0.2);
  }

  .has-dropdown:hover .dropdown,
  .has-dropdown:focus-within .dropdown,
  .has-dropdown:has(:checked) .dropdown {
    display: block;
  }

  .has-dropdown:focus-within .dropdown {
    display: block;
  }
}

@media (max-width: 991px) {
  .how-steps {
    grid-template-columns: 1fr 1fr;
    gap: 1.25rem;
  }

  .how-arrow {
    display: none;
  }
}

@media (max-width: 768px) {
  .header-actions--desktop {
    display: none;
  }

  .header-actions--mobile {
    display: flex;
    width: 100%;
    flex-direction: column;
    margin-top: 0.75rem;
    padding-top: 1rem;
    border-top: 1px solid rgba(255, 255, 255, 0.12);
  }

  .header-actions--mobile .btn {
    width: 100%;
  }

  .nav-toggle-btn {
    margin-left: auto;
  }
}

@media (max-width: 1120px) {
  .transfers-grid {
    grid-template-columns: 1fr 1fr;
  }

  .transfers-intro {
    grid-column: 1 / -1;
    padding-right: 0;
    max-width: 36rem;
  }

  .platform-grid {
    grid-template-columns: 1fr 1fr;
  }

  .services-layout {
    grid-template-columns: 1fr;
  }

  .services-intro {
    max-width: 36rem;
  }

  .trust-grid {
    grid-template-columns: minmax(0, 0.38fr) minmax(0, 0.62fr);
    gap: 1rem;
  }

  .trust-features {
    grid-template-columns: 1fr 1fr;
  }

  .how-perks {
    grid-template-columns: 1fr 1fr;
  }

  .reviews-shell {
    grid-template-columns:
      max(1.25rem, calc((100% - var(--max)) / 2))
      minmax(0, 0.8fr)
      minmax(0, 0.9fr)
      minmax(0, 0.85fr);
    min-height: 22rem;
  }

  .reviews-intro,
  .reviews-quote {
    padding-top: 1.75rem;
    padding-bottom: 1.75rem;
  }

  .cta-inner {
    flex-direction: column;
    align-items: flex-start;
    gap: 1.35rem;
  }

  .cta-actions {
    width: 100%;
  }

  .footer-grid {
    grid-template-columns: 1fr 1fr;
  }

  .footer-brand {
    grid-column: 1 / -1;
  }
}

@media (max-width: 760px) {
  :root {
    --gutter: 0.75rem;
    --header-h: 4.5rem;
  }

  .topbar-badge {
    display: none;
  }

  .topbar-message {
    font-size: 0.78rem;
    align-items: flex-start;
    justify-content: flex-start;
    text-align: left;
  }

  .topbar-message .icon {
    margin-top: 0.18em;
  }

  .brand-tagline {
    display: none;
  }

  .brand-mark {
    width: 2.7rem;
    height: 2.7rem;
  }

  .hero-media {
    top: 4rem;
    width: 135%;
    object-position: 30% top;
  }

  .hero-overlay {
    background:
      linear-gradient(
        180deg,
        rgba(5, 7, 13, 0.55) 0%,
        rgba(5, 7, 13, 0.72) 42%,
        rgba(5, 7, 13, 0.82) 100%
      );
  }

  .hero-content {
    max-width: 100%;
    margin-left: auto;
    padding-top: calc(var(--header-h) + 1.75rem);
    padding-bottom: 3.25rem;
  }

  .hero-ctas .btn {
    width: 100%;
  }

  .transfers-grid {
    grid-template-columns: 1fr;
  }

  .transfers-intro {
    max-width: none;
  }

  .platform-grid {
    grid-template-columns: 1fr;
    gap: 2rem;
  }

  .services-panel {
    grid-template-columns: 1fr;
  }

  .trust-grid {
    grid-template-columns: 1fr;
    text-align: left;
  }

  .trust-visual {
    max-width: 34rem;
    margin-inline: auto;
    margin-block: 0;
  }

  .trust-visual img {
    width: 100%;
    min-height: 0;
  }

  .how-body {
    clip-path: none;
    padding-top: 3rem;
  }

  .how-steps {
    grid-template-columns: 1fr;
  }

  .how-card-media img {
    height: 11.5rem;
  }

  .how-perks {
    grid-template-columns: 1fr;
  }

  .reviews-shell {
    grid-template-columns: 1.25rem minmax(0, 1fr);
    min-height: 0;
  }

  .reviews-intro,
  .reviews-quote {
    grid-column: 2;
    padding: 1.5rem 1.25rem 0.5rem 0;
  }

  .reviews-quote {
    padding-bottom: 1.75rem;
  }

  .reviews-intro h2 {
    max-width: none;
  }

  .reviews-visual {
    grid-column: 1 / -1;
    min-height: 16rem;
  }

  .reviews-visual img {
    object-position: 50% 18%;
  }

  .cta-copy {
    align-items: flex-start;
  }

  .cta-actions .btn {
    width: 100%;
  }

  .footer-grid {
    grid-template-columns: 1fr;
    gap: 2rem;
    padding-block: 3rem 2.25rem;
  }

  .service-item {
    border-right: none;
  }

  .service-item:nth-child(n + 4) {
    border-bottom: 1px solid color-mix(in srgb, var(--color-navy) 8%, transparent);
  }

  .service-item:last-child {
    border-bottom: none;
  }

  .transfer-card-media,
  .transfer-card-media img {
    height: 9.25rem;
  }
}

@media (max-width: 480px) {
  .hero-content h1 {
    font-size: clamp(1.5rem, 8vw, 2.2rem);
  }
}

@media (prefers-reduced-motion: reduce) {
  html {
    scroll-behavior: auto;
  }

  *,
  *::before,
  *::after {
    transition: none !important;
  }
}

:focus-visible {
  outline: 2px solid var(--color-teal);
  outline-offset: 3px;
}

[data-aos="fade-up"] {
  transform: translate3d(0, 72px, 0);
}

[data-aos="fade-up"].aos-animate {
  transform: translate3d(0, 0, 0);
}

[data-aos="fade-right"] {
  transform: translate3d(-80px, 0, 0);
}

[data-aos="fade-right"].aos-animate {
  transform: translate3d(0, 0, 0);
}

[data-aos="fade-left"] {
  transform: translate3d(80px, 0, 0);
}

[data-aos="fade-left"].aos-animate {
  transform: translate3d(0, 0, 0);
}

/* ── Values Section ──────────────────────────────────────── */
.values {
  padding: 5rem 0 4rem;
  background: var(--color-surface);
}
.values-header {
  text-align: center;
  margin-bottom: 2.5rem;
}
.values-header h2 {
  margin-top: 1rem;
  color: var(--color-navy);
  font-family: var(--font-heading);
  font-size: clamp(1.85rem, 3.4vw, 2.7rem);
  font-weight: 800;
  line-height: 1.2;
  letter-spacing: -0.02em;
}
.values-header h2 span {
  color: var(--color-teal);
}
.values-subtitle {
  max-width: 520px;
  margin: 0.75rem auto 0;
  color: var(--color-text);
  font-size: 1rem;
  line-height: 1.6;
}

/* Card */
.val-card {
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-card);
  display: flex;
  flex-direction: column;
  height: 100%;
  background: var(--color-navy-deep);
}

/* Image half */
.val-img-wrap {
  position: relative;
  aspect-ratio: 4/3;
  overflow: hidden;
}
.val-img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
  transition: transform 0.45s ease;
}
.val-card:hover .val-img {
  transform: scale(1.05);
}

/* Gradient overlay on image */
.val-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(to bottom, rgba(4,36,79,0.35) 0%, rgba(4,36,79,0.72) 100%);
  display: flex;
  flex-direction: column;
  justify-content: flex-end;
  padding: 1.25rem 1.1rem 1rem;
}
.val-we {
  font-family: var(--font-heading);
  font-size: 1.05rem;
  font-weight: 700;
  color: #fff;
  margin-bottom: 0.15rem;
  line-height: 1.2;
}
.val-word {
  font-family: var(--font-heading);
  font-size: 1.45rem;
  font-weight: 800;
  color: #fff;
  line-height: 1.15;
}
.val-word em {
  font-style: italic;
  color: var(--color-teal);
  font-weight: 700;
}

/* Text half */
.val-body {
  padding: 1.25rem 1.1rem 1.1rem;
  display: flex;
  flex-direction: column;
  gap: 1rem;
  flex: 1;
}
.val-desc {
  font-family: var(--font-body);
  font-size: 0.92rem;
  color: rgba(255,255,255,0.82);
  line-height: 1.65;
  flex: 1;
}

/* Decorative dots */
.val-dots {
  display: flex;
  gap: 6px;
  align-items: center;
}
.val-dot {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  border: 2px solid rgba(255,255,255,0.45);
  background: transparent;
  transition: background 0.2s, border-color 0.2s;
}
.val-dot--active {
  background: var(--color-teal);
  border-color: var(--color-teal);
}

/* Swiper wrapper height */
.values-swiper {
  padding-bottom: 2.5rem !important;
}
.values-swiper .swiper-slide {
  height: auto;
}

/* Swiper pagination dots */
.values-pagination.swiper-pagination {
  bottom: 0;
}
.values-pagination .swiper-pagination-bullet {
  background: var(--color-navy);
  opacity: 0.3;
  width: 9px;
  height: 9px;
}
.values-pagination .swiper-pagination-bullet-active {
  background: var(--color-teal);
  opacity: 1;
}

@media (max-width: 639px) {
  .val-word { font-size: 1.2rem; }
}