/* ============================================================
   Aetheriks International Bank — Design System
   Domain: aetheriks.com  |  Based in New Zealand
   Palette: deep onyx + golden amber (premium banking aesthetic)
   ============================================================ */

:root {
  /* Color tokens */
  --bg: #0b0b12;
  --bg-2: #0f0f18;
  --surface: #15151f;
  --surface-2: #1b1b28;
  --surface-3: #232333;
  --border: rgba(255, 255, 255, 0.08);
  --border-strong: rgba(255, 255, 255, 0.14);
  --text: #f4f1e8;
  --text-muted: #a8a5b4;
  --text-faint: #6f6c7e;

  --gold: #c9a227;
  --gold-bright: #e8c766;
  --gold-soft: #f0d98a;
  --gold-deep: #8a6d1a;
  --gold-glow: rgba(201, 162, 39, 0.35);

  --teal: #2dd4bf;
  --teal-glow: rgba(45, 212, 191, 0.25);

  --success: #22c55e;
  --danger: #ef4444;
  --warning: #f59e0b;
  --info: #3b82f6;

  /* Typography */
  --font-display: "Cormorant Garamond", "Times New Roman", Georgia, serif;
  --font-body: "Plus Jakarta Sans", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;

  /* Spacing */
  --section-y: 7.5rem;
  --gutter: clamp(1.25rem, 4vw, 3rem);
  --maxw: 1200px;

  /* Radii & shadows */
  --r-sm: 10px;
  --r-md: 16px;
  --r-lg: 24px;
  --r-xl: 32px;
  --shadow-lg: 0 30px 80px -20px rgba(0, 0, 0, 0.65);
  --shadow-card: 0 20px 50px -18px rgba(0, 0, 0, 0.55);
  --shadow-gold: 0 0 0 1px var(--gold-glow), 0 18px 50px -16px var(--gold-glow);

  --ease: cubic-bezier(0.22, 1, 0.36, 1);
}

/* ---------- Reset ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  font-family: var(--font-body);
  color: var(--text);
  background: var(--bg);
  line-height: 1.65;
  font-size: 16px;
  letter-spacing: -0.01em;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  overflow-x: hidden;
}
img, svg { display: block; max-width: 100%; }
a { color: inherit; text-decoration: none; }
button { font-family: inherit; cursor: pointer; }
h1, h2, h3, h4 { font-family: var(--font-display); font-weight: 600; line-height: 1.08; margin: 0; letter-spacing: -0.01em; }
p { margin: 0; }
ul { margin: 0; padding: 0; list-style: none; }

::selection { background: var(--gold); color: #14100a; }

/* Scrollbar */
::-webkit-scrollbar { width: 11px; }
::-webkit-scrollbar-track { background: var(--bg-2); }
::-webkit-scrollbar-thumb { background: #2c2c3c; border-radius: 10px; }
::-webkit-scrollbar-thumb:hover { background: var(--gold-deep); }

/* ---------- Layout helpers ---------- */
.container { width: 100%; max-width: var(--maxw); margin: 0 auto; padding: 0 var(--gutter); }
.section { padding: var(--section-y) 0; position: relative; }
.section--tight { padding: calc(var(--section-y) * 0.7) 0; }
.grid { display: grid; gap: 1.5rem; }
.g2 { grid-template-columns: repeat(2, 1fr); }
.g3 { grid-template-columns: repeat(3, 1fr); }
.g4 { grid-template-columns: repeat(4, 1fr); }

.eyebrow {
  display: inline-flex; align-items: center; gap: 0.6rem;
  font-size: 0.78rem; font-weight: 700; letter-spacing: 0.18em; text-transform: uppercase;
  color: var(--gold-bright); margin-bottom: 1.25rem;
}
.eyebrow::before { content: ""; width: 26px; height: 1px; background: var(--gold); }
.section-title { font-size: clamp(2rem, 4.4vw, 3.4rem); margin-bottom: 1.1rem; }
.section-title em { font-style: normal; background: linear-gradient(120deg, var(--gold-soft), var(--gold) 55%, var(--gold-bright)); -webkit-background-clip: text; background-clip: text; color: transparent; }
.section-lead { color: var(--text-muted); font-size: 1.08rem; max-width: 640px; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 0.55rem;
  padding: 0.95rem 1.7rem; border-radius: 100px; font-weight: 600; font-size: 0.98rem;
  border: 1px solid transparent; transition: transform 0.25s var(--ease), box-shadow 0.25s var(--ease), background 0.25s, color 0.25s, border-color 0.25s;
  white-space: nowrap; line-height: 1;
}
.btn:active { transform: translateY(1px) scale(0.99); }
.btn--gold {
  background: linear-gradient(120deg, var(--gold-soft), var(--gold) 45%, var(--gold-deep));
  color: #17120a; box-shadow: 0 14px 34px -12px var(--gold-glow);
}
.btn--gold:hover { transform: translateY(-2px); box-shadow: 0 22px 44px -12px var(--gold-glow); }
.btn--ghost { border-color: var(--border-strong); color: var(--text); background: rgba(255,255,255,0.02); }
.btn--ghost:hover { border-color: var(--gold); color: var(--gold-bright); background: rgba(201,162,39,0.06); }
.btn--lg { padding: 1.15rem 2.1rem; font-size: 1.05rem; }
.btn .icon { width: 18px; height: 18px; }

/* ---------- Top bar / Nav ---------- */
.topbar {
  position: fixed; top: 0; left: 0; right: 0; z-index: 100;
  transition: background 0.3s var(--ease), box-shadow 0.3s var(--ease), border-color 0.3s;
  border-bottom: 1px solid transparent;
}
.topbar.is-scrolled {
  background: rgba(11, 11, 18, 0.82);
  backdrop-filter: blur(16px); -webkit-backdrop-filter: blur(16px);
  border-color: var(--border);
}
.nav { display: flex; align-items: center; justify-content: space-between; height: 76px; }
.brand { display: flex; align-items: center; gap: 0.7rem; }
.brand__mark {
  width: 40px; height: 40px; border-radius: 12px; flex: none;
  display: grid; place-items: center;
  background: linear-gradient(135deg, #1d1d2b, #101018);
  border: 1px solid var(--gold-glow);
  box-shadow: inset 0 0 0 1px rgba(201,162,39,0.25), 0 6px 20px -8px var(--gold-glow);
}
.brand__mark svg { width: 22px; height: 22px; }
.brand__name { font-family: var(--font-display); font-size: 1.22rem; font-weight: 600; letter-spacing: 0.01em; }
.brand__name b { color: var(--gold-bright); font-weight: 600; }
.brand__domain { display: block; font-family: var(--font-body); font-size: 0.62rem; font-weight: 600; letter-spacing: 0.22em; color: var(--text-faint); text-transform: uppercase; margin-top: 1px; }
.nav__links { display: flex; align-items: center; gap: 2rem; }
.nav__links a { font-size: 0.92rem; font-weight: 500; color: var(--text-muted); transition: color 0.2s; }
.nav__links a:hover { color: var(--gold-bright); }
.nav__cta { display: flex; align-items: center; gap: 0.8rem; }
.nav__toggle { display: none; background: none; border: 1px solid var(--border-strong); border-radius: 10px; width: 44px; height: 44px; color: var(--text); }
.nav__toggle svg { width: 20px; height: 20px; margin: 0 auto; }

/* Mobile nav */
.mobile-menu {
  position: fixed; inset: 0; z-index: 99; background: rgba(11,11,18,0.98);
  backdrop-filter: blur(20px); -webkit-backdrop-filter: blur(20px);
  display: flex; flex-direction: column; padding: 100px var(--gutter) 40px;
  transform: translateY(-100%); transition: transform 0.4s var(--ease); visibility: hidden;
}
.mobile-menu.open { transform: translateY(0); visibility: visible; }
.mobile-menu a { font-family: var(--font-display); font-size: 1.9rem; padding: 0.7rem 0; border-bottom: 1px solid var(--border); color: var(--text); }
.mobile-menu a:hover { color: var(--gold-bright); }
.mobile-menu .btn { margin-top: 1.5rem; justify-content: center; }

/* ---------- Hero ---------- */
.hero { position: relative; padding: 170px 0 80px; overflow: hidden; }
.hero__bg { position: absolute; inset: 0; z-index: -1; }
.hero__orb { position: absolute; border-radius: 50%; filter: blur(90px); opacity: 0.5; }
.hero__orb--a { width: 560px; height: 560px; background: radial-gradient(circle, var(--gold-glow), transparent 65%); top: -180px; right: -80px; }
.hero__orb--b { width: 460px; height: 460px; background: radial-gradient(circle, rgba(59,130,246,0.18), transparent 65%); bottom: -160px; left: -120px; }
.hero__grid { display: grid; grid-template-columns: 1.05fr 0.95fr; gap: 3.5rem; align-items: center; }
.hero__tag { display: inline-flex; align-items: center; gap: 0.55rem; padding: 0.5rem 1rem; border-radius: 100px; border: 1px solid var(--border-strong); background: rgba(255,255,255,0.03); font-size: 0.82rem; font-weight: 600; color: var(--text-muted); margin-bottom: 1.6rem; }
.hero__tag .dot { width: 7px; height: 7px; border-radius: 50%; background: var(--success); box-shadow: 0 0 10px var(--success); }
.hero__title { font-size: clamp(2.7rem, 6.4vw, 5rem); margin-bottom: 1.4rem; }
.hero__title em { font-style: normal; background: linear-gradient(120deg, #f7e7ad, var(--gold) 50%, #b08a1e); -webkit-background-clip: text; background-clip: text; color: transparent; }
.hero__sub { color: var(--text-muted); font-size: 1.14rem; max-width: 520px; margin-bottom: 2.2rem; }
.hero__actions { display: flex; flex-wrap: wrap; gap: 1rem; margin-bottom: 2.4rem; }
.hero__stats { display: flex; gap: 2.4rem; flex-wrap: wrap; }
.hero__stat .num { font-family: var(--font-display); font-size: 1.9rem; font-weight: 600; color: var(--gold-bright); line-height: 1; }
.hero__stat .lbl { font-size: 0.8rem; color: var(--text-faint); margin-top: 0.3rem; letter-spacing: 0.02em; }

/* Hero card visual */
.hero__visual { position: relative; }
.bank-card {
  position: relative; border-radius: var(--r-lg); padding: 1.7rem;
  background: linear-gradient(135deg, #20202e 0%, #15151f 40%, #0f0f18 100%);
  border: 1px solid var(--border-strong);
  box-shadow: var(--shadow-card);
  overflow: hidden;
}
.bank-card::before { content: ""; position: absolute; inset: 0; background: radial-gradient(600px 300px at 85% -10%, var(--gold-glow), transparent 60%); opacity: 0.7; }
.bank-card--float { animation: floaty 7s ease-in-out infinite; }
.bank-card__top { display: flex; justify-content: space-between; align-items: flex-start; position: relative; z-index: 1; }
.bank-card__chip { width: 42px; height: 32px; border-radius: 7px; background: linear-gradient(135deg, #e8c766, #a8841c); opacity: 0.9; }
.bank-card__brand { font-family: var(--font-display); font-size: 1.05rem; font-weight: 600; color: var(--gold-soft); }
.bank-card__number { position: relative; z-index: 1; font-family: "SFMono-Regular", Consolas, monospace; font-size: 1.28rem; letter-spacing: 0.14em; color: #fff; margin: 1.8rem 0 1.6rem; }
.bank-card__row { position: relative; z-index: 1; display: flex; justify-content: space-between; align-items: flex-end; }
.bank-card__label { font-size: 0.62rem; letter-spacing: 0.16em; text-transform: uppercase; color: var(--text-faint); }
.bank-card__value { font-size: 0.92rem; font-weight: 600; color: var(--text); margin-top: 0.2rem; }
.bank-card__badge { width: 44px; height: 30px; }
.bank-card__badge svg { width: 100%; height: 100%; }
.bank-card--back { position: absolute; top: 26px; right: -40px; width: 88%; transform: rotate(-7deg); z-index: 0; opacity: 0.75; }
.bank-card--back .bank-card__strip { height: 44px; background: #000; margin: 1.2rem -1.7rem; }

.mini-balance {
  position: relative; z-index: 1; margin-top: 1.1rem; border-top: 1px solid var(--border); padding-top: 1.1rem;
  display: flex; justify-content: space-between; align-items: center;
}
.mini-balance .amt { font-family: var(--font-display); font-size: 1.6rem; font-weight: 600; color: var(--gold-soft); }
.mini-balance .lbl { font-size: 0.78rem; color: var(--text-faint); }

.float-chip {
  position: absolute; z-index: 2; background: var(--surface-2); border: 1px solid var(--border-strong);
  border-radius: var(--r-md); padding: 0.9rem 1.1rem; box-shadow: var(--shadow-card);
  display: flex; align-items: center; gap: 0.7rem; font-size: 0.86rem; font-weight: 600;
}
.float-chip--1 { top: -22px; right: 6%; animation: floaty 6s 0.5s ease-in-out infinite; }
.float-chip--2 { bottom: -18px; left: -6%; animation: floaty 7s 1.2s ease-in-out infinite; }
.float-chip .ic { width: 34px; height: 34px; border-radius: 9px; display: grid; place-items: center; flex: none; }
.float-chip .ic--green { background: rgba(34,197,94,0.14); color: var(--success); }
.float-chip .ic--gold { background: rgba(201,162,39,0.14); color: var(--gold-bright); }
.float-chip .ic svg { width: 18px; height: 18px; }
.float-chip small { display: block; font-weight: 400; color: var(--text-faint); font-size: 0.74rem; }

@keyframes floaty { 0%,100% { transform: translateY(0); } 50% { transform: translateY(-12px); } }

/* ---------- Logos / trust strip ---------- */
.trust { border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); background: var(--bg-2); }
.trust__inner { display: flex; align-items: center; justify-content: space-between; gap: 2rem; flex-wrap: wrap; padding: 1.8rem 0; }
.trust__item { display: flex; align-items: center; gap: 0.6rem; color: var(--text-faint); font-size: 0.86rem; font-weight: 600; letter-spacing: 0.03em; }
.trust__item svg { width: 20px; height: 20px; color: var(--gold); opacity: 0.9; }
.trust__item strong { color: var(--text-muted); }

/* ---------- Feature cards ---------- */
.feature-card {
  position: relative; padding: 1.9rem; border-radius: var(--r-md);
  background: linear-gradient(160deg, var(--surface), var(--bg-2));
  border: 1px solid var(--border); transition: transform 0.35s var(--ease), border-color 0.35s, box-shadow 0.35s;
  overflow: hidden;
}
.feature-card::after { content: ""; position: absolute; top: -40px; right: -40px; width: 140px; height: 140px; border-radius: 50%; background: radial-gradient(circle, var(--gold-glow), transparent 70%); opacity: 0; transition: opacity 0.35s; }
.feature-card:hover { transform: translateY(-6px); border-color: var(--gold-glow); box-shadow: var(--shadow-gold); }
.feature-card:hover::after { opacity: 0.5; }
.feature-card__icon { width: 52px; height: 52px; border-radius: 14px; display: grid; place-items: center; margin-bottom: 1.3rem; background: rgba(201,162,39,0.1); color: var(--gold-bright); border: 1px solid var(--gold-glow); }
.feature-card__icon svg { width: 26px; height: 26px; }
.feature-card h3 { font-size: 1.4rem; margin-bottom: 0.6rem; }
.feature-card p { color: var(--text-muted); font-size: 0.95rem; }
.feature-card .tag { display: inline-block; margin-top: 1.1rem; font-size: 0.7rem; font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase; color: var(--gold); }

/* ---------- Split / showcase sections ---------- */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 4rem; align-items: center; }
.split__media { position: relative; }
.split__media .panel { border-radius: var(--r-lg); background: linear-gradient(160deg, var(--surface), var(--bg-2)); border: 1px solid var(--border); box-shadow: var(--shadow-card); overflow: hidden; }
.panel__head { display: flex; align-items: center; gap: 0.6rem; padding: 1rem 1.3rem; border-bottom: 1px solid var(--border); }
.panel__dots { display: flex; gap: 0.35rem; }
.panel__dots span { width: 10px; height: 10px; border-radius: 50%; background: #2c2c3c; }
.panel__dots span:first-child { background: var(--danger); }
.panel__dots span:nth-child(2) { background: var(--warning); }
.panel__dots span:nth-child(3) { background: var(--success); }
.panel__title { font-size: 0.78rem; color: var(--text-faint); font-weight: 600; margin-left: 0.3rem; }
.panel__body { padding: 1.4rem 1.5rem; }

/* List rows */
.row { display: flex; align-items: center; gap: 0.9rem; padding: 0.85rem 0; border-bottom: 1px solid var(--border); }
.row:last-child { border-bottom: 0; }
.row__ic { width: 38px; height: 38px; border-radius: 10px; display: grid; place-items: center; flex: none; background: rgba(255,255,255,0.04); color: var(--gold-bright); }
.row__ic svg { width: 19px; height: 19px; }
.row__body { flex: 1; min-width: 0; }
.row__title { font-weight: 600; font-size: 0.94rem; }
.row__sub { font-size: 0.78rem; color: var(--text-faint); }
.row__right { text-align: right; font-weight: 600; font-size: 0.9rem; }
.row__right.positive { color: var(--success); }
.row__right.negative { color: var(--danger); }
.row__right.muted { color: var(--text-muted); font-weight: 500; }

/* Check list */
.checklist { display: grid; gap: 0.85rem; }
.checklist li { display: flex; gap: 0.75rem; align-items: flex-start; color: var(--text-muted); font-size: 0.98rem; }
.checklist li svg { width: 20px; height: 20px; color: var(--gold); flex: none; margin-top: 2px; }
.checklist li strong { color: var(--text); font-weight: 600; }

/* ---------- Stat band ---------- */
.stats-band { background: linear-gradient(120deg, #15151f, #0f0f18); border: 1px solid var(--border); border-radius: var(--r-lg); padding: 2.6rem 2.2rem; display: grid; grid-template-columns: repeat(4, 1fr); gap: 2rem; box-shadow: var(--shadow-card); }
.stat { text-align: left; }
.stat .num { font-family: var(--font-display); font-size: 2.6rem; font-weight: 600; color: var(--gold-soft); line-height: 1; }
.stat .lbl { color: var(--text-muted); font-size: 0.9rem; margin-top: 0.4rem; }

/* ---------- RWA / highlight section ---------- */
.highlight { position: relative; overflow: hidden; border-radius: var(--r-xl); padding: 4rem; background: linear-gradient(135deg, #17170f 0%, #12120e 50%, #0f0f18 100%); border: 1px solid var(--gold-glow); box-shadow: var(--shadow-lg); }
.highlight__grid { display: grid; grid-template-columns: 1fr 1fr; gap: 3.5rem; align-items: center; }
.highlight .section-title { font-size: clamp(1.9rem, 3.6vw, 2.8rem); }
.pill-grid { display: grid; gap: 0.8rem; }
.pill { display: flex; align-items: center; gap: 0.9rem; padding: 1rem 1.2rem; border-radius: var(--r-md); background: rgba(255,255,255,0.03); border: 1px solid var(--border); transition: border-color 0.3s, transform 0.3s var(--ease); }
.pill:hover { border-color: var(--gold-glow); transform: translateX(4px); }
.pill__ic { width: 42px; height: 42px; border-radius: 11px; display: grid; place-items: center; flex: none; background: rgba(201,162,39,0.1); color: var(--gold-bright); }
.pill__ic svg { width: 21px; height: 21px; }
.pill h4 { font-family: var(--font-body); font-size: 0.98rem; font-weight: 700; }
.pill p { font-size: 0.82rem; color: var(--text-faint); }

/* ---------- Pricing ---------- */
.price-card {
  position: relative; padding: 2.2rem; border-radius: var(--r-lg);
  background: linear-gradient(160deg, var(--surface), var(--bg-2)); border: 1px solid var(--border);
  display: flex; flex-direction: column; transition: transform 0.35s var(--ease), border-color 0.35s, box-shadow 0.35s;
}
.price-card:hover { transform: translateY(-6px); }
.price-card--featured { border-color: var(--gold-glow); box-shadow: var(--shadow-gold); }
.price-card__flag { position: absolute; top: -13px; left: 50%; transform: translateX(-50%); background: linear-gradient(120deg, var(--gold-soft), var(--gold)); color: #17120a; font-size: 0.72rem; font-weight: 800; letter-spacing: 0.08em; text-transform: uppercase; padding: 0.35rem 0.9rem; border-radius: 100px; }
.price-card__name { font-size: 1.05rem; font-weight: 700; color: var(--text-muted); letter-spacing: 0.04em; text-transform: uppercase; }
.price-card__price { font-family: var(--font-display); font-size: 3rem; font-weight: 600; margin: 0.9rem 0 0.2rem; }
.price-card__price span { font-size: 1.1rem; color: var(--text-faint); font-family: var(--font-body); font-weight: 500; }
.price-card__desc { color: var(--text-faint); font-size: 0.88rem; margin-bottom: 1.6rem; }
.price-card ul { display: grid; gap: 0.7rem; margin-bottom: 2rem; flex: 1; }
.price-card li { display: flex; gap: 0.6rem; align-items: center; font-size: 0.92rem; color: var(--text-muted); }
.price-card li svg { width: 17px; height: 17px; color: var(--gold); flex: none; }

/* ---------- FAQ ---------- */
.faq { max-width: 820px; margin: 0 auto; }
.faq__item { border-bottom: 1px solid var(--border); }
.faq__q { width: 100%; background: none; border: none; text-align: left; padding: 1.5rem 0; display: flex; align-items: center; justify-content: space-between; gap: 1rem; font-size: 1.08rem; font-weight: 600; color: var(--text); font-family: var(--font-body); }
.faq__q:hover { color: var(--gold-bright); }
.faq__q .plus { flex: none; width: 30px; height: 30px; border-radius: 50%; border: 1px solid var(--border-strong); display: grid; place-items: center; transition: transform 0.3s var(--ease), background 0.3s; font-size: 1.2rem; line-height: 1; color: var(--gold); }
.faq__item.open .plus { transform: rotate(45deg); background: rgba(201,162,39,0.12); }
.faq__a { max-height: 0; overflow: hidden; transition: max-height 0.4s var(--ease); }
.faq__a p { padding: 0 0 1.5rem; color: var(--text-muted); font-size: 0.98rem; }

/* ---------- CTA ---------- */
.cta { position: relative; overflow: hidden; border-radius: var(--r-xl); padding: 4.5rem; text-align: center; background: linear-gradient(135deg, #1a1a12, #13130f 45%, #0e0e17); border: 1px solid var(--gold-glow); box-shadow: var(--shadow-lg); }
.cta::before { content: ""; position: absolute; inset: 0; background: radial-gradient(700px 300px at 50% -20%, var(--gold-glow), transparent 60%); }
.cta__inner { position: relative; }
.cta h2 { font-size: clamp(2rem, 4vw, 3rem); margin-bottom: 1rem; }
.cta p { color: var(--text-muted); max-width: 560px; margin: 0 auto 2.2rem; font-size: 1.08rem; }
.cta__actions { display: flex; justify-content: center; gap: 1rem; flex-wrap: wrap; }

/* ---------- Footer ---------- */
.footer { border-top: 1px solid var(--border); background: var(--bg-2); padding: 4.5rem 0 2rem; }
.footer__grid { display: grid; grid-template-columns: 1.6fr 1fr 1fr 1fr; gap: 3rem; margin-bottom: 3rem; }
.footer__brand p { color: var(--text-faint); font-size: 0.92rem; max-width: 320px; margin-top: 1rem; }
.footer h4 { font-family: var(--font-body); font-size: 0.82rem; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase; color: var(--text-muted); margin-bottom: 1.1rem; }
.footer__col ul { display: grid; gap: 0.6rem; }
.footer__col a { color: var(--text-faint); font-size: 0.92rem; transition: color 0.2s; }
.footer__col a:hover { color: var(--gold-bright); }
.footer__bottom { border-top: 1px solid var(--border); padding-top: 1.8rem; display: flex; justify-content: space-between; align-items: center; gap: 1rem; flex-wrap: wrap; }
.footer__bottom p { color: var(--text-faint); font-size: 0.8rem; }
.footer__badges { display: flex; gap: 0.7rem; flex-wrap: wrap; }
.footer__badge { font-size: 0.72rem; color: var(--text-faint); border: 1px solid var(--border); border-radius: 8px; padding: 0.4rem 0.7rem; display: inline-flex; align-items: center; gap: 0.4rem; }
.footer__badge svg { width: 14px; height: 14px; color: var(--gold); }

/* ---------- Page hero (inner pages) ---------- */
.page-hero { padding: 160px 0 60px; position: relative; overflow: hidden; }
.page-hero .hero__orb--a { top: -220px; right: -120px; }
.page-hero__title { font-size: clamp(2.4rem, 5.5vw, 4.2rem); margin-bottom: 1.1rem; }
.page-hero__sub { color: var(--text-muted); font-size: 1.14rem; max-width: 680px; }
.breadcrumb { font-size: 0.82rem; color: var(--text-faint); margin-bottom: 1.4rem; display: flex; gap: 0.5rem; align-items: center; }
.breadcrumb a:hover { color: var(--gold-bright); }
.breadcrumb span { color: var(--text-faint); }

/* ---------- Reveal animation ---------- */
.reveal { opacity: 0; transform: translateY(28px); transition: opacity 0.8s var(--ease), transform 0.8s var(--ease); }
.reveal.in { opacity: 1; transform: none; }
.reveal[data-delay="1"] { transition-delay: 0.08s; }
.reveal[data-delay="2"] { transition-delay: 0.16s; }
.reveal[data-delay="3"] { transition-delay: 0.24s; }
.reveal[data-delay="4"] { transition-delay: 0.32s; }

/* ---------- Responsive ---------- */
@media (max-width: 1024px) {
  .g4 { grid-template-columns: repeat(2, 1fr); }
  .g3 { grid-template-columns: repeat(2, 1fr); }
  .hero__grid, .split, .highlight__grid { grid-template-columns: 1fr; gap: 3rem; }
  .stats-band { grid-template-columns: repeat(2, 1fr); }
  .footer__grid { grid-template-columns: 1fr 1fr; }
  .bank-card--back { right: -10px; }
}
@media (max-width: 720px) {
  :root { --section-y: 5rem; }
  .nav__links, .nav__cta .btn { display: none; }
  .nav__toggle { display: block; }
  .g2, .g3, .g4 { grid-template-columns: 1fr; }
  .stats-band { grid-template-columns: 1fr 1fr; gap: 1.5rem; padding: 2rem 1.5rem; }
  .highlight, .cta { padding: 2.5rem 1.6rem; }
  .footer__grid { grid-template-columns: 1fr; gap: 2rem; }
  .hero { padding-top: 140px; }
  .bank-card--back { display: none; }
  .float-chip--2 { left: 0; }
  .footer__bottom { flex-direction: column; align-items: flex-start; }
  .price-card__price { font-size: 2.5rem; }
}

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation-duration: 0.001ms !important; transition-duration: 0.001ms !important; }
  html { scroll-behavior: auto; }
  .reveal { opacity: 1; transform: none; }
}

/* ============================================================
   Forms — account opening
   ============================================================ */
.form-wrap { max-width: 600px; margin: 0 auto; }
.form-card { background: linear-gradient(160deg, var(--surface), var(--bg-2)); border: 1px solid var(--border); border-radius: var(--r-lg); padding: 2.2rem; box-shadow: var(--shadow-card); }

.steps { display: flex; gap: 0.5rem; margin-bottom: 1.6rem; }
.steps__bar { flex: 1; height: 4px; border-radius: 4px; background: var(--border); overflow: hidden; }
.steps__bar.done, .steps__bar.active { background: var(--gold); }
.steps__label { display: block; font-size: 0.76rem; font-weight: 600; color: var(--text-faint); margin-top: 0.45rem; text-align: center; }
.steps__label.active { color: var(--gold-bright); }

.form-step { display: none; }
.form-step.active { display: block; animation: fadeup 0.4s var(--ease); }
@keyframes fadeup { from { opacity: 0; transform: translateY(10px); } to { opacity: 1; transform: none; } }
.form-step h3 { font-size: 1.6rem; margin-bottom: 0.4rem; }
.form-step .step-sub { color: var(--text-faint); font-size: 0.9rem; margin-bottom: 1.6rem; }

.field { margin-bottom: 1.3rem; }
.field label { display: block; font-size: 0.86rem; font-weight: 600; color: var(--text-muted); margin-bottom: 0.45rem; }
.field label .req { color: var(--gold); }
.field input, .field select { width: 100%; padding: 0.9rem 1rem; border-radius: 12px; border: 1px solid var(--border-strong); background: var(--bg-2); color: var(--text); font-family: var(--font-body); font-size: 0.98rem; transition: border-color 0.2s, box-shadow 0.2s; }
.field input:focus, .field select:focus { outline: none; border-color: var(--gold); box-shadow: 0 0 0 3px var(--gold-glow); }
.field input::placeholder { color: var(--text-faint); }
.field select { appearance: none; -webkit-appearance: none; cursor: pointer; }
.field .hint { font-size: 0.76rem; color: var(--text-faint); margin-top: 0.4rem; }
.field .err { display: none; font-size: 0.78rem; color: var(--danger); margin-top: 0.4rem; }
.field.invalid input, .field.invalid select { border-color: var(--danger); }
.field.invalid .err { display: block; }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }

.option-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 0.8rem; }
.option-card { position: relative; border: 1px solid var(--border-strong); border-radius: var(--r-md); padding: 1.1rem; cursor: pointer; transition: border-color 0.2s, background 0.2s; }
.option-card input { position: absolute; opacity: 0; pointer-events: none; }
.option-card:hover { border-color: var(--gold-glow); }
.option-card.selected { border-color: var(--gold); background: rgba(201,162,39,0.06); }
.option-card .oc-ic { width: 34px; height: 34px; border-radius: 9px; display: grid; place-items: center; background: rgba(201,162,39,0.1); color: var(--gold-bright); }
.option-card .oc-ic svg { width: 18px; height: 18px; }
.option-card .oc-title { font-weight: 700; font-size: 0.92rem; margin-top: 0.55rem; }
.option-card .oc-sub { font-size: 0.74rem; color: var(--text-faint); line-height: 1.4; }

.check-row { display: flex; gap: 0.7rem; align-items: flex-start; }
.check-row input { width: 18px; height: 18px; margin-top: 2px; accent-color: var(--gold); flex: none; }
.check-row label { font-size: 0.86rem; color: var(--text-muted); }
.check-row a { color: var(--gold-bright); }

.pw-meter { height: 4px; border-radius: 4px; background: var(--border); margin-top: 0.5rem; overflow: hidden; }
.pw-meter span { display: block; height: 100%; width: 0; border-radius: 4px; transition: width 0.3s, background 0.3s; }

.form-actions { display: flex; justify-content: space-between; gap: 1rem; margin-top: 1.9rem; }
.btn[disabled] { opacity: 0.55; cursor: not-allowed; pointer-events: none; }
.spinner { width: 16px; height: 16px; border: 2px solid rgba(23,18,10,0.3); border-top-color: #17120a; border-radius: 50%; animation: spin 0.7s linear infinite; }
@keyframes spin { to { transform: rotate(360deg); } }

.success { text-align: center; padding: 0.6rem 0; }
.success__check { width: 84px; height: 84px; border-radius: 50%; background: rgba(34,197,94,0.12); color: var(--success); display: grid; place-items: center; margin: 0 auto 1.6rem; }
.success__check svg { width: 44px; height: 44px; }
.success h2 { font-size: 2rem; margin-bottom: 0.6rem; }
.success p { color: var(--text-muted); }
.success .ref { display: inline-block; margin: 1.3rem 0; padding: 0.6rem 1.1rem; border-radius: 10px; background: var(--bg-2); border: 1px solid var(--border-strong); font-family: "SFMono-Regular", Consolas, monospace; font-size: 0.92rem; color: var(--gold-bright); letter-spacing: 0.05em; }
.next-steps { text-align: left; margin: 1.6rem auto 0; max-width: 420px; }
.next-steps li { display: flex; gap: 0.6rem; align-items: flex-start; font-size: 0.88rem; color: var(--text-muted); padding: 0.5rem 0; border-bottom: 1px solid var(--border); }
.next-steps li:last-child { border-bottom: 0; }
.next-steps svg { width: 18px; height: 18px; color: var(--gold); flex: none; margin-top: 2px; }

@media (max-width: 720px) {
  .field-row { grid-template-columns: 1fr; }
  .option-grid { grid-template-columns: 1fr; }
  .form-card { padding: 1.6rem; }
}

/* ============================================================
   Legal pages
   ============================================================ */
.legal-nav { display: flex; flex-wrap: wrap; gap: 0.5rem; margin: 0 0 0.5rem; }
.legal-nav a { font-size: 0.8rem; font-weight: 600; color: var(--text-muted); padding: 0.45rem 0.95rem; border: 1px solid var(--border); border-radius: 100px; transition: color 0.2s, border-color 0.2s, background 0.2s; }
.legal-nav a:hover { color: var(--gold-bright); border-color: var(--gold); }
.legal-nav a.active { color: var(--gold-bright); border-color: var(--gold); background: rgba(201,162,39,0.06); }

.legal { max-width: 800px; margin: 0 auto; }
.legal .meta { font-size: 0.82rem; color: var(--text-faint); margin-bottom: 2.4rem; line-height: 1.7; }
.legal h2 { font-size: 1.55rem; margin: 2.6rem 0 0.8rem; }
.legal h2:first-of-type { margin-top: 0; }
.legal h3 { font-family: var(--font-body); font-size: 1.02rem; font-weight: 700; margin: 1.9rem 0 0.5rem; color: var(--text); }
.legal p { color: var(--text-muted); font-size: 0.95rem; margin: 0.6rem 0; }
.legal ul { display: grid; gap: 0.45rem; margin: 0.7rem 0; padding-left: 1.3rem; list-style: disc; }
.legal ol { display: grid; gap: 0.45rem; margin: 0.7rem 0; padding-left: 1.3rem; }
.legal li { color: var(--text-muted); font-size: 0.95rem; }
.legal .callout { background: rgba(201,162,39,0.06); border: 1px solid var(--gold-glow); border-radius: var(--r-md); padding: 1.2rem 1.4rem; margin: 1.6rem 0; }
.legal .callout strong { color: var(--gold-bright); }
.legal .callout p { margin: 0.3rem 0; }
.legal .toc { background: var(--bg-2); border: 1px solid var(--border); border-radius: var(--r-md); padding: 1.2rem 1.4rem; margin-bottom: 2rem; }
.legal .toc h3 { margin-top: 0; }
.legal .toc ol { list-style: decimal; padding-left: 1.3rem; }
.legal .toc a { color: var(--text-muted); }
.legal .toc a:hover { color: var(--gold-bright); }

.footer__addr { font-size: 0.8rem; color: var(--text-faint); margin-top: 0.9rem; line-height: 1.55; max-width: 300px; }

.otp { width: 52px; height: 58px; border-radius: 12px; border: 1px solid var(--border-strong); background: var(--bg-2); color: var(--text); text-align: center; font-size: 1.35rem; font-weight: 600; font-family: var(--font-body); }
.otp:focus { outline: none; border-color: var(--gold); box-shadow: 0 0 0 3px var(--gold-glow); }
.link-btn { background: none; border: none; color: var(--gold-bright); font-size: 0.88rem; font-weight: 600; cursor: pointer; font-family: var(--font-body); padding: 0; }
.link-btn:hover { text-decoration: underline; }

/* ============================================================
   Client dashboard / portal
   ============================================================ */
.dash-body { background: var(--bg-2); }
.dash-shell { display: grid; grid-template-columns: 264px 1fr; min-height: 100vh; }

.dash-sidebar { position: sticky; top: 0; height: 100vh; background: var(--bg); border-right: 1px solid var(--border); padding: 1.5rem 1rem; display: flex; flex-direction: column; overflow-y: auto; }
.dash-sidebar .brand { margin-bottom: 1.3rem; padding: 0 0.5rem; }
.dash-sidebar .brand__name b { display: none; }
.dash-sidebar .brand__domain { display: block; font-size: 0.68rem; }
.dash-nav { display: flex; flex-direction: column; gap: 0.15rem; }
.dash-nav__label { font-size: 0.66rem; text-transform: uppercase; letter-spacing: 0.12em; color: var(--text-faint); padding: 0.7rem 0.7rem 0.25rem; }
.dash-nav a { display: flex; align-items: center; gap: 0.7rem; padding: 0.66rem 0.75rem; border-radius: var(--r-sm); color: var(--text-muted); font-size: 0.9rem; font-weight: 500; transition: background .16s var(--ease), color .16s var(--ease); }
.dash-nav a:hover { background: var(--surface); color: var(--text); }
.dash-nav a.active { background: linear-gradient(120deg, rgba(201,162,39,.16), rgba(201,162,39,.04)); color: var(--gold-bright); }
.dash-nav a svg { width: 18px; height: 18px; flex: none; }
.dash-nav .sep { height: 1px; background: var(--border); margin: 0.6rem 0.5rem; }
.dash-sidebar .dash-sidefoot { margin-top: auto; padding: 0.9rem 0.75rem 0.2rem; font-size: 0.72rem; color: var(--text-faint); border-top: 1px solid var(--border); }

.dash-main { min-width: 0; display: flex; flex-direction: column; }
.dash-topbar { position: sticky; top: 0; z-index: 20; display: flex; align-items: center; justify-content: space-between; gap: 1rem; padding: 0.8rem 1.8rem; background: rgba(11,11,18,0.82); backdrop-filter: blur(14px); border-bottom: 1px solid var(--border); }
.dash-topbar__title { font-size: 1rem; font-weight: 700; letter-spacing: -0.01em; }
.dash-topbar__title span { color: var(--text-faint); font-weight: 500; }
.dash-topbar__right { display: flex; align-items: center; gap: 0.85rem; }
.dash-bell { position: relative; width: 40px; height: 40px; display: grid; place-items: center; border-radius: 11px; border: 1px solid var(--border); background: var(--surface); color: var(--text-muted); cursor: pointer; }
.dash-bell .dot { position: absolute; top: 9px; right: 10px; width: 8px; height: 8px; border-radius: 50%; background: var(--gold-bright); box-shadow: 0 0 0 2px var(--bg); }
.dash-user { display: flex; align-items: center; gap: 0.65rem; padding: 0.28rem 0.85rem 0.28rem 0.3rem; border: 1px solid var(--border); border-radius: 999px; background: var(--surface); cursor: pointer; }
.dash-avatar { width: 34px; height: 34px; border-radius: 50%; display: grid; place-items: center; background: linear-gradient(135deg, var(--gold), var(--gold-deep)); color: #14100a; font-weight: 800; font-size: 0.82rem; flex: none; }
.dash-user__meta { line-height: 1.2; }
.dash-user__name { font-size: 0.84rem; font-weight: 600; }
.dash-user__role { font-size: 0.7rem; color: var(--text-faint); }

.dash-content { padding: 1.9rem 1.8rem 3rem; max-width: 1320px; margin: 0 auto; width: 100%; }
.dash-head { display: flex; align-items: flex-end; justify-content: space-between; gap: 1rem; margin-bottom: 1.5rem; flex-wrap: wrap; }
.dash-head h1 { font-size: clamp(1.7rem, 3vw, 2.25rem); color: var(--text); }
.dash-head p { color: var(--text-muted); margin-top: 0.3rem; font-size: 0.94rem; }

.dash-stats { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1rem; margin-bottom: 1.2rem; }
.stat-tile { background: linear-gradient(180deg, var(--surface), var(--bg-2)); border: 1px solid var(--border); border-radius: var(--r-md); padding: 1.1rem 1.2rem; }
.stat-tile .stat__label { font-size: 0.74rem; color: var(--text-muted); text-transform: uppercase; letter-spacing: 0.07em; font-weight: 600; }
.stat-tile .stat__value { font-size: 1.7rem; font-weight: 800; margin-top: 0.45rem; letter-spacing: -0.02em; }
.stat-tile .stat__delta { font-size: 0.76rem; margin-top: 0.3rem; color: var(--text-faint); }
.stat-tile .stat__delta.up { color: var(--success); }
.stat-tile .stat__delta.down { color: var(--danger); }
.stat-tile.gold .stat__value { color: var(--gold-bright); }

.dash-actions { display: flex; flex-wrap: wrap; gap: 0.7rem; margin-bottom: 1.5rem; }
.qa-btn { display: inline-flex; align-items: center; gap: 0.55rem; padding: 0.66rem 1.05rem; border-radius: 12px; border: 1px solid var(--border); background: var(--surface); color: var(--text); font-size: 0.88rem; font-weight: 600; transition: border-color .16s var(--ease), transform .16s var(--ease), background .16s var(--ease); }
.qa-btn:hover { border-color: var(--gold); background: var(--surface-2); transform: translateY(-2px); }
.qa-btn svg { width: 16px; height: 16px; color: var(--gold-bright); }
.qa-btn.gold { background: linear-gradient(120deg, var(--gold), var(--gold-deep)); color: #14100a; border-color: transparent; }
.qa-btn.gold svg { color: #14100a; }

.dash-grid { display: grid; grid-template-columns: 1.55fr 1fr; gap: 1.2rem; margin-bottom: 1.2rem; }
.dash-panel { background: var(--surface); border: 1px solid var(--border); border-radius: var(--r-md); padding: 1.3rem; }
.dash-panel__head { display: flex; align-items: center; justify-content: space-between; margin-bottom: 0.9rem; }
.dash-panel__head h2 { font-size: 1.12rem; }
.dash-panel__head a { font-size: 0.8rem; color: var(--gold-bright); font-weight: 600; }

.dash-table { width: 100%; border-collapse: collapse; }
.dash-table th { text-align: left; font-size: 0.68rem; text-transform: uppercase; letter-spacing: 0.08em; color: var(--text-faint); font-weight: 700; padding: 0.45rem 0.6rem; border-bottom: 1px solid var(--border); }
.dash-table td { padding: 0.72rem 0.6rem; border-bottom: 1px solid var(--border); font-size: 0.88rem; }
.dash-table tr:last-child td { border-bottom: none; }
.dash-table .acct-name { font-weight: 600; }
.dash-table .acct-cur { color: var(--text-faint); font-size: 0.78rem; margin-left: 0.25rem; }
.badge { display: inline-flex; align-items: center; gap: 0.3rem; font-size: 0.7rem; font-weight: 700; padding: 0.18rem 0.55rem; border-radius: 999px; white-space: nowrap; }
.badge--success { background: rgba(34,197,94,.14); color: #4ade80; }
.badge--pending { background: rgba(245,158,11,.14); color: #fbbf24; }
.badge--muted { background: rgba(168,165,180,.14); color: var(--text-muted); }
.badge--danger { background: rgba(239,68,68,.14); color: #f87171; }
.pos { color: var(--success); font-weight: 600; }
.neg { color: var(--danger); font-weight: 600; }

.asset-row { display: flex; align-items: center; gap: 0.75rem; padding: 0.72rem 0; border-bottom: 1px solid var(--border); }
.asset-row:last-child { border-bottom: none; }
.asset-icon { width: 38px; height: 38px; border-radius: 10px; display: grid; place-items: center; font-weight: 800; font-size: 0.72rem; flex: none; }
.asset-row .a-name { font-weight: 600; font-size: 0.9rem; }
.asset-row .a-sub { font-size: 0.74rem; color: var(--text-faint); }
.asset-row .a-val { margin-left: auto; text-align: right; font-weight: 700; font-size: 0.9rem; }
.asset-row .a-val small { display: block; font-size: 0.72rem; color: var(--text-faint); font-weight: 400; }

.card-mini { border-radius: var(--r-md); padding: 1rem 1.1rem; border: 1px solid var(--border); background: linear-gradient(135deg, #1a1a26, #101017); position: relative; overflow: hidden; margin-bottom: 0.75rem; }
.card-mini:last-child { margin-bottom: 0; }
.card-mini .cm-top { display: flex; justify-content: space-between; align-items: center; font-size: 0.7rem; color: var(--text-muted); text-transform: uppercase; letter-spacing: 0.08em; }
.card-mini .cm-num { font-size: 1.02rem; font-weight: 700; letter-spacing: 0.07em; margin: 0.7rem 0 0.45rem; }
.card-mini .cm-bot { display: flex; justify-content: space-between; font-size: 0.74rem; color: var(--text-faint); }

.rate-strip { display: flex; flex-wrap: wrap; gap: 0.55rem; margin-bottom: 1.3rem; }
.rate-chip { display: inline-flex; align-items: center; gap: 0.5rem; padding: 0.5rem 0.9rem; border-radius: 999px; border: 1px solid var(--border); background: var(--surface); font-size: 0.8rem; }
.rate-chip b { font-weight: 700; }
.rate-chip .up { color: var(--success); font-size: 0.74rem; }
.rate-chip .down { color: var(--danger); font-size: 0.74rem; }

@media (max-width: 1024px) {
  .dash-stats { grid-template-columns: repeat(2, 1fr); }
  .dash-grid { grid-template-columns: 1fr; }
}
@media (max-width: 768px) {
  .dash-shell { grid-template-columns: 1fr; }
  .dash-sidebar { position: static; height: auto; flex-direction: row; align-items: center; overflow-x: auto; border-right: none; border-bottom: 1px solid var(--border); padding: 0.8rem; gap: 0.5rem; }
  .dash-sidebar .brand { margin: 0 0.4rem 0 0; flex: none; }
  .dash-sidebar .brand__domain { display: none; }
  .dash-nav { flex-direction: row; gap: 0.25rem; }
  .dash-nav .sep, .dash-nav__label, .dash-sidefoot { display: none; }
  .dash-nav a { white-space: nowrap; padding: 0.5rem 0.7rem; }
  .dash-nav a span.nav-txt { display: none; }
  .dash-topbar { padding: 0.7rem 1rem; }
  .dash-topbar__title span { display: none; }
  .dash-content { padding: 1.2rem 1rem 2.5rem; }
  .dash-stats { grid-template-columns: 1fr 1fr; }
  .dash-table { min-width: 420px; }
  .dash-panel { overflow-x: auto; }
}