/* =====================================================================
   ELVARION HOLDINGS — "Private Bank" Classic Design System
   Ink (deep navy) + Ivory paper + Antique gold hairlines
   Serif display: Cormorant Garamond · Text: Manrope
   ===================================================================== */

@import url('https://fonts.googleapis.com/css2?family=Cormorant+Garamond:ital,wght@0,400;0,500;0,600;0,700;1,400;1,500&family=Manrope:wght@300;400;500;600;700&display=swap');

/* ---------- Ink theme (default: app, dashboard, auth) ---------- */
:root,
.band-ink {
  --bg-dark: #0a1424;
  --bg-card: #0f1c30;
  --bg-card-hover: #13233b;
  --bg-surface: #162944;
  --bg-input: #081120;
  --bg-alt: #0c182b;

  --gold-primary: #b8955a;
  --gold-light: #d8bd8a;
  --gold-deep: #9a7a43;
  --gold-glow: rgba(184, 149, 90, 0.18);

  --emerald-accent: #4fa37f;
  --emerald-glow: rgba(79, 163, 127, 0.18);
  --cyan-accent: #6fa3b8;
  --blue-accent: #6b8fc7;

  --heading: #f4eee1;
  --text-main: #e9e2d2;
  --text-muted: #b1a993;
  --text-dim: #847d6c;

  --border-subtle: rgba(233, 226, 210, 0.09);
  --border-gold: rgba(184, 149, 90, 0.38);
  --border-glow: rgba(184, 149, 90, 0.65);

  --glass-bg: #0f1c30;
  --glass-blur: none;

  --btn-gold-text: #0a1424;

  --shadow-luxury: 0 30px 60px -30px rgba(0, 0, 0, 0.75);
  --shadow-card: 0 18px 40px -24px rgba(0, 0, 0, 0.7);

  color: var(--text-main);
}

:root {
  --radius-sm: 2px;
  --radius-md: 3px;
  --radius-lg: 4px;
  --radius-full: 9999px;

  --font-sans: 'Manrope', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  --font-serif: 'Cormorant Garamond', 'Times New Roman', Georgia, serif;
  --font-mono: 'Manrope', -apple-system, sans-serif;

  --container: 1240px;
  --ease: cubic-bezier(.2, .7, .2, 1);
}

/* ---------- Ivory theme (public marketing pages) ---------- */
.theme-ivory,
.band-ivory {
  --bg-dark: #f6f1e6;
  --bg-card: #fffdf8;
  --bg-card-hover: #ffffff;
  --bg-surface: #efe8d9;
  --bg-input: #fffdf8;
  --bg-alt: #efe7d6;

  --gold-primary: #9c7a3c;
  --gold-light: #8a6a30;
  --gold-deep: #7a5c27;
  --gold-glow: rgba(156, 122, 60, 0.15);

  --emerald-accent: #2f7a5c;
  --cyan-accent: #3d6f86;

  --heading: #111d33;
  --text-main: #26324a;
  --text-muted: #5a6274;
  --text-dim: #8a8577;

  --border-subtle: rgba(17, 29, 51, 0.1);
  --border-gold: rgba(156, 122, 60, 0.42);
  --border-glow: rgba(156, 122, 60, 0.7);

  --glass-bg: #fffdf8;
  --btn-gold-text: #fffdf8;

  --shadow-luxury: 0 30px 60px -32px rgba(17, 29, 51, 0.35);
  --shadow-card: 0 16px 36px -26px rgba(17, 29, 51, 0.35);

  color: var(--text-main);
}

/* band-ink declared after ivory so nested dark bands win */
.theme-ivory .band-ink {
  --bg-dark: #0a1424;
  --bg-card: #0f1c30;
  --bg-card-hover: #13233b;
  --bg-surface: #162944;
  --bg-input: #081120;
  --bg-alt: #0c182b;
  --gold-primary: #b8955a;
  --gold-light: #d8bd8a;
  --gold-deep: #9a7a43;
  --emerald-accent: #4fa37f;
  --cyan-accent: #6fa3b8;
  --heading: #f4eee1;
  --text-main: #e9e2d2;
  --text-muted: #b1a993;
  --text-dim: #847d6c;
  --border-subtle: rgba(233, 226, 210, 0.1);
  --border-gold: rgba(184, 149, 90, 0.38);
  --glass-bg: #0f1c30;
  --btn-gold-text: #0a1424;
  --shadow-luxury: 0 30px 60px -30px rgba(0, 0, 0, 0.75);
  --shadow-card: 0 18px 40px -24px rgba(0, 0, 0, 0.7);
  color: var(--text-main);
}

/* ---------- Reset ---------- */
* { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; font-size: 16px; -webkit-text-size-adjust: 100%; }
body {
  font-family: var(--font-sans);
  background-color: var(--bg-dark);
  color: var(--text-main);
  line-height: 1.65;
  overflow-x: hidden;
  min-height: 100vh;
  -webkit-font-smoothing: antialiased;
  font-weight: 400;
  font-variant-numeric: lining-nums;
}
img { max-width: 100%; display: block; }
a { color: inherit; }
::selection { background: var(--gold-primary); color: #0a1424; }

/* Ambient glows are retired in the classic look — kept as a subtle paper texture */
.ambient-glow { position: fixed; inset: 0; pointer-events: none; z-index: 0; }
.glow-orb-1, .glow-orb-2, .glow-orb-3 { display: none; }
.ambient-glow::before {
  content: '';
  position: absolute; inset: 0;
  background-image: radial-gradient(rgba(184,149,90,0.05) 1px, transparent 1px);
  background-size: 22px 22px;
  opacity: .6;
}
.theme-ivory .ambient-glow::before { opacity: .0; }

/* ---------- Typography ---------- */
h1, h2, h3, h4, h5, .brand-font {
  font-family: var(--font-serif);
  font-weight: 500;
  letter-spacing: 0;
  color: var(--heading);
  line-height: 1.12;
}
h3 { font-weight: 600; }
strong { font-weight: 600; }

.gold-gradient-text {
  color: var(--gold-light);
  font-style: italic;
  font-weight: 500;
  background: none;
  -webkit-text-fill-color: currentColor;
}
.emerald-gradient-text { color: var(--emerald-accent); font-style: italic; background: none; -webkit-text-fill-color: currentColor; }

.mono-num {
  font-family: var(--font-mono);
  font-variant-numeric: tabular-nums lining-nums;
  font-feature-settings: "tnum", "lnum";
  letter-spacing: -0.01em;
}

.eyebrow {
  display: inline-flex; align-items: center; gap: 12px;
  font-family: var(--font-sans);
  font-size: .72rem; font-weight: 600;
  letter-spacing: .22em; text-transform: uppercase;
  color: var(--gold-primary);
}
.eyebrow::before { content: ''; width: 28px; height: 1px; background: currentColor; }
.eyebrow.center::after { content: ''; width: 28px; height: 1px; background: currentColor; }

.rule-ornament {
  display: flex; align-items: center; justify-content: center; gap: 14px;
  color: var(--gold-primary); margin: 0 auto;
}
.rule-ornament::before, .rule-ornament::after { content: ''; height: 1px; width: 60px; background: var(--border-gold); }
.rule-ornament span { width: 6px; height: 6px; transform: rotate(45deg); border: 1px solid currentColor; }

/* Utility colours (used by templates) */
.text-gold { color: var(--gold-primary) !important; }
.text-emerald { color: var(--emerald-accent) !important; }
.text-cyan { color: var(--cyan-accent) !important; }
.text-purple { color: #a596c9 !important; }
.text-danger { color: #c96a5f !important; }
.text-muted { color: var(--text-muted) !important; }
.text-dim { color: var(--text-dim) !important; }
.text-white { color: var(--heading) !important; }
.font-bold { font-weight: 700; }

/* ---------- Panels & Cards ---------- */
.glass-panel,
.glass-card-luxury {
  background: var(--bg-card);
  border: 1px solid var(--border-subtle);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-card);
  position: relative;
  transition: border-color .35s var(--ease), transform .35s var(--ease), box-shadow .35s var(--ease);
}
.glass-card-luxury { padding: 32px; }
.glass-card-luxury::before {
  content: '';
  position: absolute; left: 0; right: 0; top: 0; height: 2px;
  background: var(--gold-primary);
  transform: scaleX(0); transform-origin: left;
  transition: transform .5s var(--ease);
  z-index: 3;
}
.glass-card-luxury:hover { border-color: var(--border-gold); transform: translateY(-3px); box-shadow: var(--shadow-luxury); }
.glass-card-luxury:hover::before { transform: scaleX(1); }
.glass-panel:hover { border-color: var(--border-gold); }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 10px;
  padding: 13px 28px;
  font-family: var(--font-sans);
  font-size: .78rem; font-weight: 600;
  letter-spacing: .14em; text-transform: uppercase;
  text-decoration: none;
  border-radius: var(--radius-sm);
  border: 1px solid transparent;
  cursor: pointer;
  transition: all .3s var(--ease);
  white-space: nowrap;
  line-height: 1.2;
}
.btn i { font-size: .85em; }
.btn-gold {
  background: var(--gold-primary);
  color: var(--btn-gold-text) !important;
  border-color: var(--gold-primary);
}
.btn-gold:hover { background: var(--gold-deep); border-color: var(--gold-deep); transform: translateY(-1px); }
.band-ink .btn-gold:hover, :root .btn-gold:hover { background: var(--gold-light); border-color: var(--gold-light); }
.theme-ivory .btn-gold:hover { background: #111d33; border-color: #111d33; color: #fffdf8 !important; }
.theme-ivory .band-ink .btn-gold:hover { background: var(--gold-light); border-color: var(--gold-light); color: #0a1424 !important; }

.btn-emerald { background: var(--emerald-accent); color: #fff !important; border-color: var(--emerald-accent); }
.btn-emerald:hover { filter: brightness(1.08); }

.btn-outline-gold { background: transparent; color: var(--gold-light) !important; border-color: var(--border-gold); }
.btn-outline-gold:hover { border-color: var(--gold-primary); background: var(--gold-glow); }

.btn-outline-subtle { background: transparent; color: var(--text-muted) !important; border-color: var(--border-subtle); }
.btn-outline-subtle:hover { color: var(--heading) !important; border-color: var(--border-gold); }

.btn-ink { background: #111d33; color: #f4eee1 !important; border-color: #111d33; }
.btn-ink:hover { background: var(--gold-primary); border-color: var(--gold-primary); }

.btn-sm { padding: 9px 16px; font-size: .7rem; letter-spacing: .12em; }
.btn-lg { padding: 17px 34px; font-size: .8rem; }

.link-arrow {
  display: inline-flex; align-items: center; gap: 10px;
  font-size: .74rem; font-weight: 600; letter-spacing: .16em; text-transform: uppercase;
  color: var(--gold-primary); text-decoration: none;
  border-bottom: 1px solid var(--border-gold); padding-bottom: 4px;
  transition: gap .3s var(--ease), border-color .3s;
}
.link-arrow:hover { gap: 16px; border-color: var(--gold-primary); }

/* ---------- Badges ---------- */
.badge {
  display: inline-flex; align-items: center; gap: 6px;
  padding: 4px 10px;
  border-radius: var(--radius-sm);
  font-size: .64rem; font-weight: 600;
  letter-spacing: .14em; text-transform: uppercase;
  border: 1px solid; line-height: 1.5;
  white-space: nowrap;
  background: transparent;
}
.badge-gold { color: var(--gold-light); border-color: var(--border-gold); background: var(--gold-glow); }
.badge-emerald { color: var(--emerald-accent); border-color: rgba(79,163,127,.4); background: rgba(79,163,127,.08); }
.badge-cyan { color: var(--cyan-accent); border-color: rgba(111,163,184,.4); background: rgba(111,163,184,.08); }
.badge-purple { color: #a596c9; border-color: rgba(165,150,201,.4); background: rgba(165,150,201,.08); }

/* ---------- Navbar ---------- */
.utility-bar {
  background: #081120;
  color: #b1a993;
  font-size: .7rem; letter-spacing: .14em; text-transform: uppercase;
  border-bottom: 1px solid rgba(184,149,90,.18);
  position: relative; z-index: 1001;
}
.utility-bar .inner {
  max-width: var(--container); margin: 0 auto; padding: 9px 32px;
  display: flex; justify-content: space-between; gap: 20px;
}
.utility-bar .inner span i { color: #b8955a; margin-right: 6px; }
.utility-bar .u-right { display: flex; gap: 28px; }

.luxury-navbar {
  position: sticky; top: 0; z-index: 1000;
  background: color-mix(in srgb, var(--bg-dark) 92%, transparent);
  backdrop-filter: saturate(140%) blur(10px);
  -webkit-backdrop-filter: saturate(140%) blur(10px);
  border-bottom: 1px solid var(--border-subtle);
  transition: box-shadow .3s;
}
.luxury-navbar.scrolled { box-shadow: 0 10px 30px -20px rgba(0,0,0,.5); }
.nav-container {
  max-width: var(--container); margin: 0 auto;
  padding: 0 32px; height: 84px;
  display: flex; align-items: center; justify-content: space-between; gap: 24px;
}
.brand-logo { display: flex; align-items: center; gap: 14px; text-decoration: none; }
.brand-crest {
  width: 46px; height: 46px; flex-shrink: 0;
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-serif); font-size: 1.25rem; font-weight: 600; font-style: italic;
  color: var(--gold-primary);
  border: 1px solid var(--gold-primary);
  border-radius: 0;
  position: relative;
  background: transparent;
  letter-spacing: .02em;
}
.brand-crest::after {
  content: ''; position: absolute; inset: 3px; border: 1px solid var(--border-gold);
}
.brand-title {
  font-family: var(--font-serif); font-size: 1.5rem; font-weight: 600;
  letter-spacing: .32em; color: var(--heading); line-height: 1;
}
.brand-sub {
  font-size: .56rem; font-weight: 600; letter-spacing: .3em; text-transform: uppercase;
  color: var(--gold-primary); margin-top: 6px;
}
.nav-links { display: flex; list-style: none; gap: 34px; }
.nav-links a {
  text-decoration: none; color: var(--text-main);
  font-size: .74rem; font-weight: 600; letter-spacing: .14em; text-transform: uppercase;
  position: relative; padding: 8px 0; transition: color .3s;
}
.nav-links a i { display: none; }
.nav-links a::after {
  content: ''; position: absolute; left: 0; right: 0; bottom: 0; height: 1px;
  background: var(--gold-primary); transform: scaleX(0); transition: transform .35s var(--ease);
}
.nav-links a:hover { color: var(--gold-primary); }
.nav-links a:hover::after { transform: scaleX(1); }
.nav-actions { display: flex; align-items: center; gap: 10px; }
.nav-toggle {
  display: none; background: none; border: 1px solid var(--border-gold); color: var(--heading);
  width: 42px; height: 42px; cursor: pointer; font-size: 1rem; border-radius: var(--radius-sm);
}

/* ---------- Hero (generic, still used by older markup) ---------- */
.hero-wrapper { position: relative; }
.hero-section {
  max-width: var(--container); margin: 0 auto; padding: 110px 32px 100px;
  display: grid; grid-template-columns: 1.15fr .85fr; gap: 64px; align-items: center;
  position: relative; z-index: 2;
}
.hero-tag {
  display: inline-flex; align-items: center; gap: 12px;
  font-size: .72rem; font-weight: 600; letter-spacing: .24em; text-transform: uppercase;
  color: var(--gold-light); margin-bottom: 28px;
}
.pulse-dot {
  width: 7px; height: 7px; border-radius: 50%; background: var(--emerald-accent);
  display: inline-block; animation: pulse-grow 2.4s infinite;
}
@keyframes pulse-grow {
  0% { box-shadow: 0 0 0 0 rgba(79,163,127,.55); }
  70% { box-shadow: 0 0 0 8px rgba(79,163,127,0); }
  100% { box-shadow: 0 0 0 0 rgba(79,163,127,0); }
}
.hero-title {
  font-size: clamp(2.8rem, 5.6vw, 5.1rem);
  font-weight: 400; line-height: 1.02; letter-spacing: -.01em;
  margin-bottom: 28px;
}
.hero-title em, .hero-title .gold-gradient-text { font-style: italic; color: var(--gold-light); }
.hero-desc { font-size: 1.06rem; color: var(--text-muted); max-width: 580px; margin-bottom: 40px; font-weight: 300; line-height: 1.8; }
.hero-desc strong { color: var(--heading); font-weight: 500; }
.hero-stats-row { display: flex; gap: 0; }
.stat-item { flex: 1; padding: 0 28px; border-left: 1px solid var(--border-gold); }
.stat-item:first-child { padding-left: 0; border-left: 0; }
.stat-item .stat-num {
  font-family: var(--font-serif); font-size: 2.6rem; font-weight: 500; line-height: 1;
  color: var(--heading); font-variant-numeric: lining-nums;
}
.stat-item .stat-label {
  font-size: .66rem; letter-spacing: .18em; text-transform: uppercase; color: var(--text-dim); margin-top: 10px; font-weight: 600;
}
.hero-interactive-card {
  background: var(--bg-card);
  border: 1px solid var(--border-gold);
  border-radius: var(--radius-md);
  padding: 36px;
  box-shadow: var(--shadow-luxury);
  position: relative;
}

/* ---------- Sections ---------- */
.section-wrapper { max-width: var(--container); margin: 0 auto; padding: 120px 32px; position: relative; z-index: 2; }
.section-header { text-align: center; max-width: 760px; margin: 0 auto 70px; }
.section-tag {
  display: inline-flex; align-items: center; gap: 12px;
  font-size: .7rem; font-weight: 600; letter-spacing: .24em; text-transform: uppercase;
  color: var(--gold-primary); margin-bottom: 22px;
}
.section-tag i { display: none; }
.section-tag::before, .section-tag::after { content: ''; width: 28px; height: 1px; background: currentColor; }
.section-title { font-size: clamp(2.2rem, 4vw, 3.4rem); font-weight: 400; margin-bottom: 22px; line-height: 1.08; }
.section-subtitle { color: var(--text-muted); font-size: 1.02rem; font-weight: 300; line-height: 1.8; }
.section-subtitle strong { color: var(--heading); font-weight: 500; }

.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 28px; }

/* ---------- Area cards ---------- */
.area-card { display: flex; flex-direction: column; }
.area-icon-wrap {
  width: 52px; height: 52px;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.2rem; color: var(--gold-primary);
  border: 1px solid var(--border-gold); border-radius: 50%;
  background: transparent; margin-bottom: 22px;
}
.area-name { font-size: 1.55rem; margin-bottom: 10px; }
.area-desc { color: var(--text-muted); font-size: .9rem; line-height: 1.7; }
.area-meta-row { display: flex; justify-content: space-between; gap: 12px; padding: 12px 0; border-top: 1px solid var(--border-subtle); font-size: .82rem; }
.area-meta-label { color: var(--text-dim); text-transform: uppercase; letter-spacing: .12em; font-size: .64rem; font-weight: 600; }
.area-meta-val { color: var(--heading); font-weight: 600; text-align: right; }

/* ---------- Plan cards ---------- */
.plan-card { display: flex; flex-direction: column; justify-content: space-between; gap: 26px; }
.plan-roi-header { margin: 26px 0 22px; padding: 22px 0; border-top: 1px solid var(--border-gold); border-bottom: 1px solid var(--border-gold); display: flex; align-items: baseline; justify-content: space-between; gap: 16px; }
.plan-roi-val { font-family: var(--font-serif); font-size: 3.6rem; font-weight: 500; line-height: .9; color: var(--heading); font-variant-numeric: lining-nums; }
.plan-duration-badge { font-size: .66rem; letter-spacing: .16em; text-transform: uppercase; color: var(--gold-primary); font-weight: 600; text-align: right; max-width: 140px; line-height: 1.5; }
.features-list { list-style: none; }
.features-list li { display: flex; align-items: baseline; gap: 12px; padding: 9px 0; font-size: .88rem; color: var(--text-muted); border-bottom: 1px dashed var(--border-subtle); }
.features-list li:last-child { border-bottom: 0; }
.features-list li i { color: var(--gold-primary); font-size: .7rem; }
.features-list li strong { color: var(--heading) !important; margin-left: auto; }

/* ---------- Loan tiers ---------- */
.loan-tier-card { text-align: center; display: flex; flex-direction: column; align-items: center; }
.loan-tier-card.highlight { border-color: var(--gold-primary); background: var(--bg-card-hover); }
.loan-tier-card.highlight::before { transform: scaleX(1); }
.loan-threshold-circle {
  width: 136px; height: 136px; border-radius: 50%;
  border: 1px solid var(--border-gold);
  display: flex; flex-direction: column; align-items: center; justify-content: center;
  margin: 8px auto 24px; position: relative;
}
.loan-threshold-circle::after { content: ''; position: absolute; inset: 6px; border-radius: 50%; border: 1px dashed var(--border-gold); }
.threshold-amount { font-family: var(--font-serif); font-size: 1.7rem; font-weight: 600; color: var(--heading); font-variant-numeric: lining-nums; }
.threshold-sub { font-size: .6rem; letter-spacing: .2em; text-transform: uppercase; color: var(--gold-primary); font-weight: 600; }
.eligible-loan-range { font-family: var(--font-serif); font-size: 1.35rem; color: var(--gold-light); margin-top: 6px; font-weight: 600; font-variant-numeric: lining-nums; }

/* ---------- Live ticker ---------- */
.live-ticker-box { background: var(--bg-input); border: 1px solid var(--border-gold); border-radius: var(--radius-md); padding: 22px; }
.live-ticker-val { font-family: var(--font-serif); font-size: 2.6rem; font-weight: 500; color: var(--emerald-accent); font-variant-numeric: tabular-nums lining-nums; line-height: 1.1; }
.live-indicator {
  display: inline-flex; align-items: center; gap: 8px;
  font-size: .62rem; font-weight: 700; letter-spacing: .18em; text-transform: uppercase;
  color: var(--emerald-accent); padding: 4px 10px; border: 1px solid rgba(79,163,127,.35); border-radius: var(--radius-sm);
}

/* ---------- Tabs ---------- */
.tabs-nav { display: flex; gap: 4px; border-bottom: 1px solid var(--border-subtle); margin-bottom: 30px; flex-wrap: wrap; }
.tab-btn {
  background: none; border: 0; border-bottom: 2px solid transparent;
  padding: 14px 22px; margin-bottom: -1px;
  color: var(--text-muted); cursor: pointer;
  font-family: var(--font-sans); font-size: .74rem; font-weight: 600; letter-spacing: .14em; text-transform: uppercase;
  display: inline-flex; align-items: center; gap: 8px; transition: color .25s, border-color .25s;
}
.tab-btn.active, .tab-btn:hover { color: var(--gold-light); border-bottom-color: var(--gold-primary); }

/* ---------- Modals ---------- */
.modal-backdrop {
  position: fixed; inset: 0;
  background: rgba(6, 12, 22, 0.82);
  backdrop-filter: blur(4px);
  z-index: 2000; display: none; align-items: center; justify-content: center; padding: 20px;
  overflow-y: auto;
}
.modal-backdrop.open, .modal-backdrop.active { display: flex; }
.modal-content {
  background: var(--bg-card);
  border: 1px solid var(--border-gold);
  border-radius: var(--radius-md);
  max-width: 580px; width: 100%; padding: 40px;
  box-shadow: 0 40px 80px -30px rgba(0,0,0,.8);
  position: relative; max-height: 92vh; overflow-y: auto;
  animation: modal-in .35s var(--ease);
}
.modal-content::before { content: ''; position: absolute; inset: 6px; border: 1px solid var(--border-subtle); pointer-events: none; }
@keyframes modal-in { from { opacity: 0; transform: translateY(14px); } to { opacity: 1; transform: none; } }
.modal-close {
  position: absolute; top: 16px; right: 18px; z-index: 2;
  background: none; border: 0; color: var(--text-muted);
  font-size: 1.6rem; cursor: pointer; line-height: 1; transition: color .2s;
}
.modal-close:hover { color: var(--gold-light); }

/* ---------- Forms ---------- */
.form-group { margin-bottom: 20px; }
.form-label {
  display: block; margin-bottom: 9px;
  font-size: .66rem; font-weight: 600; letter-spacing: .16em; text-transform: uppercase;
  color: var(--text-muted);
}
.form-control {
  width: 100%; padding: 13px 16px;
  background: var(--bg-input);
  border: 1px solid var(--border-subtle);
  border-radius: var(--radius-sm);
  color: var(--heading);
  font-family: var(--font-sans); font-size: .92rem;
  transition: border-color .25s, box-shadow .25s;
}
.form-control::placeholder { color: var(--text-dim); }
.form-control:focus { outline: none; border-color: var(--gold-primary); box-shadow: 0 0 0 3px var(--gold-glow); }
select.form-control {
  appearance: none; -webkit-appearance: none; cursor: pointer; padding-right: 40px;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' fill='none' stroke='%23b8955a' stroke-width='1.4'/%3E%3C/svg%3E");
  background-repeat: no-repeat; background-position: right 16px center;
}
select.form-control option { background: var(--bg-card); color: var(--heading); }
textarea.form-control { resize: vertical; min-height: 100px; }

input[type=range] { -webkit-appearance: none; appearance: none; width: 100%; background: transparent; height: 22px; cursor: pointer; }
input[type=range]:focus { outline: none; }
input[type=range]::-webkit-slider-runnable-track { height: 2px; background: var(--border-gold); }
input[type=range]::-moz-range-track { height: 2px; background: var(--border-gold); }
input[type=range]::-webkit-slider-thumb {
  -webkit-appearance: none; width: 18px; height: 18px; margin-top: -8px;
  background: var(--bg-card); border: 2px solid var(--gold-primary); transform: rotate(45deg);
}
input[type=range]::-moz-range-thumb { width: 14px; height: 14px; background: var(--bg-card); border: 2px solid var(--gold-primary); border-radius: 0; transform: rotate(45deg); }

/* ---------- Footer ---------- */
.luxury-footer {
  background: #081120;
  color: #b1a993;
  border-top: 1px solid rgba(184,149,90,.3);
  position: relative; z-index: 2;
  --heading: #f4eee1; --text-main: #e9e2d2; --text-muted: #b1a993; --text-dim: #847d6c;
  --gold-primary: #b8955a; --gold-light: #d8bd8a; --border-subtle: rgba(233,226,210,.09); --border-gold: rgba(184,149,90,.38);
}
.footer-inner {
  max-width: var(--container); margin: 0 auto; padding: 90px 32px 60px;
  display: grid; grid-template-columns: 1.6fr 1fr 1fr 1.2fr; gap: 56px;
}
.footer-col h5 {
  font-family: var(--font-sans); font-size: .68rem; font-weight: 700; letter-spacing: .22em; text-transform: uppercase;
  color: #b8955a; margin-bottom: 24px;
}
.footer-links { list-style: none; }
.footer-links li { margin-bottom: 12px; }
.footer-links a { color: #b1a993; text-decoration: none; font-size: .88rem; transition: color .25s, padding .25s; }
.footer-links a:hover { color: #f4eee1; padding-left: 4px; }
.footer-bottom {
  max-width: var(--container); margin: 0 auto; padding: 26px 32px;
  border-top: 1px solid rgba(233,226,210,.08);
  display: flex; justify-content: space-between; gap: 20px; flex-wrap: wrap;
  font-size: .74rem; color: #847d6c; letter-spacing: .04em;
}
.footer-bottom span { cursor: pointer; transition: color .2s; }
.footer-bottom span:hover { color: #d8bd8a; }

/* ---------- Toasts ---------- */
.toast-container { position: fixed; top: 100px; right: 24px; z-index: 3000; display: flex; flex-direction: column; gap: 12px; max-width: 420px; }
.toast-msg {
  display: flex; align-items: center; gap: 12px;
  padding: 15px 20px;
  background: #0f1c30; color: #e9e2d2;
  border: 1px solid rgba(184,149,90,.35); border-left-width: 3px;
  border-radius: var(--radius-sm);
  box-shadow: 0 20px 40px -20px rgba(0,0,0,.7);
  font-size: .88rem; animation: slide-in .4s var(--ease);
}
.toast-success { border-left-color: #4fa37f; }
.toast-error { border-left-color: #c96a5f; }
.toast-info { border-left-color: #6fa3b8; }
@keyframes slide-in { from { opacity: 0; transform: translateX(40px); } to { opacity: 1; transform: none; } }

/* =====================================================================
   PUBLIC HOMEPAGE — editorial components
   ===================================================================== */
.container { max-width: var(--container); margin: 0 auto; padding: 0 32px; }

.hero-classic {
  position: relative; overflow: hidden;
  background: #0a1424;
  min-height: calc(100vh - 84px);
  display: flex; align-items: center;
}
.hero-classic .hero-bg {
  position: absolute; inset: 0;
  background-size: cover; background-position: center;
  opacity: 1;
  transform: scale(1.05);
}
.hero-classic::before {
  content: ''; position: absolute; inset: 0; z-index: 1;
  background:
    linear-gradient(90deg, rgba(10,20,36,.93) 0%, rgba(10,20,36,.84) 42%, rgba(10,20,36,.2) 72%, rgba(10,20,36,.1) 100%),
    linear-gradient(0deg, #0a1424 0%, transparent 22%);
}
.hero-classic .frame {
  position: absolute; inset: 24px; border: 1px solid rgba(184,149,90,.18); z-index: 1; pointer-events: none;
}
.hero-classic .hero-section { padding-top: 90px; padding-bottom: 110px; }
.hero-classic .hero-title { color: #f4eee1; }

.estimator-card { padding: 0 !important; }
.estimator-head {
  padding: 26px 32px 22px; border-bottom: 1px solid var(--border-gold);
  display: flex; justify-content: space-between; align-items: flex-start; gap: 16px;
}
.estimator-head h3 { font-size: 1.6rem; font-weight: 500; }
.estimator-head p { font-size: .78rem; color: var(--text-dim); margin-top: 4px; }
.estimator-body { padding: 26px 32px 32px; }
.estimator-result {
  margin: 8px 0 24px; padding: 20px 0;
  border-top: 1px solid var(--border-subtle); border-bottom: 1px solid var(--border-subtle);
}
.estimator-result .row { display: flex; justify-content: space-between; align-items: baseline; gap: 12px; }
.estimator-result .row + .row { margin-top: 10px; }
.estimator-result .lbl { font-size: .66rem; letter-spacing: .16em; text-transform: uppercase; color: var(--text-dim); font-weight: 600; }
.estimator-result .big { font-family: var(--font-serif); font-size: 2.1rem; color: var(--emerald-accent); font-weight: 600; font-variant-numeric: tabular-nums lining-nums; }
.estimator-result .mid { font-family: var(--font-serif); font-size: 1.4rem; color: var(--heading); font-weight: 600; font-variant-numeric: tabular-nums lining-nums; }
.rate-pill { font-size: .62rem; letter-spacing: .12em; text-transform: uppercase; color: var(--gold-light); font-weight: 700; }

.scroll-cue {
  position: absolute; left: 50%; bottom: 40px; transform: translateX(-50%); z-index: 2;
  display: flex; flex-direction: column; align-items: center; gap: 10px;
  font-size: .6rem; letter-spacing: .3em; text-transform: uppercase; color: #847d6c;
}
.scroll-cue::after { content: ''; width: 1px; height: 44px; background: linear-gradient(#b8955a, transparent); animation: cue 2.2s infinite; }
@keyframes cue { 0% { transform: scaleY(0); transform-origin: top; } 50% { transform: scaleY(1); transform-origin: top; } 51% { transform-origin: bottom; } 100% { transform: scaleY(0); transform-origin: bottom; } }

/* Credentials strip */
.credentials-strip { border-bottom: 1px solid var(--border-subtle); background: var(--bg-card); }
.credentials-strip .inner {
  max-width: var(--container); margin: 0 auto; padding: 26px 32px;
  display: flex; justify-content: space-between; align-items: center; gap: 24px; flex-wrap: wrap;
}
.credentials-strip .item {
  font-family: var(--font-serif); font-size: 1.15rem; font-style: italic; color: var(--text-muted);
  display: flex; align-items: center; gap: 24px;
}
.credentials-strip .item:not(:last-child)::after { content: ''; width: 5px; height: 5px; border: 1px solid var(--gold-primary); transform: rotate(45deg); }

/* Intro / philosophy */
.intro-grid { display: grid; grid-template-columns: .9fr 1.1fr; gap: 90px; align-items: center; }
.intro-figure { position: relative; }
.intro-figure img { width: 100%; aspect-ratio: 4/5; object-fit: cover; filter: saturate(.85); }
.intro-figure::before { content: ''; position: absolute; top: -18px; left: -18px; right: 18px; bottom: 18px; border: 1px solid var(--border-gold); z-index: -1; }
.intro-figure .seal {
  position: absolute; right: -34px; bottom: 40px;
  width: 128px; height: 128px; border-radius: 50%;
  background: #111d33; color: #d8bd8a;
  display: flex; flex-direction: column; align-items: center; justify-content: center; text-align: center;
  border: 1px solid #b8955a; box-shadow: 0 0 0 6px var(--bg-dark), 0 0 0 7px var(--border-gold);
}
.intro-figure .seal b { font-family: var(--font-serif); font-size: 2.2rem; font-weight: 500; line-height: 1; color: #f4eee1; }
.intro-figure .seal small { font-size: .56rem; letter-spacing: .2em; text-transform: uppercase; margin-top: 6px; }
.intro-copy h2 { font-size: clamp(2.2rem, 3.8vw, 3.3rem); font-weight: 400; margin: 22px 0 26px; }
.intro-copy p { color: var(--text-muted); font-size: 1.02rem; line-height: 1.85; font-weight: 300; margin-bottom: 18px; }
.intro-copy .lede::first-letter {
  font-family: var(--font-serif); float: left; font-size: 4.6rem; line-height: .8; padding: 6px 12px 0 0; color: var(--gold-primary);
}
.intro-signature { display: flex; gap: 44px; margin-top: 36px; padding-top: 30px; border-top: 1px solid var(--border-subtle); }
.intro-signature .k { font-family: var(--font-serif); font-size: 2.2rem; color: var(--heading); line-height: 1; font-variant-numeric: lining-nums; }
.intro-signature .v { font-size: .64rem; letter-spacing: .16em; text-transform: uppercase; color: var(--text-dim); margin-top: 8px; font-weight: 600; }

/* Pillar cards */
.pillar-card { padding: 0 !important; overflow: hidden; display: flex; flex-direction: column; }
.pillar-media { position: relative; aspect-ratio: 4/3; overflow: hidden; background: var(--bg-surface); }
.pillar-media img { width: 100%; height: 100%; object-fit: cover; transition: transform 1.2s var(--ease); filter: saturate(.85); }
.pillar-card:hover .pillar-media img { transform: scale(1.06); }
.pillar-media .placeholder { width: 100%; height: 100%; display: flex; align-items: center; justify-content: center; font-size: 2.6rem; color: var(--gold-primary); }
.pillar-numeral {
  position: absolute; top: 16px; left: 16px;
  font-family: var(--font-serif); font-size: 1.05rem; font-weight: 600; font-style: italic;
  width: 42px; height: 42px; display: flex; align-items: center; justify-content: center;
  background: var(--bg-card); color: var(--gold-primary); border: 1px solid var(--border-gold);
}
.pillar-media .badge { position: absolute; top: 22px; right: 16px; background: var(--bg-card); }
.pillar-body { padding: 28px 26px 26px; display: flex; flex-direction: column; flex: 1; }
.pillar-roi { font-size: .66rem; letter-spacing: .16em; text-transform: uppercase; color: var(--emerald-accent); font-weight: 700; margin-bottom: 10px; }
.pillar-body .area-desc { flex: 1; margin-bottom: 20px; }
.pillar-body .link-arrow { margin-top: 18px; align-self: flex-start; }

/* Feature split rows */
.feature-row { display: grid; grid-template-columns: 1fr 1fr; gap: 0; align-items: stretch; border: 1px solid var(--border-subtle); background: var(--bg-card); }
.feature-row + .feature-row { margin-top: 40px; }
.feature-row.reverse .feature-media { order: 2; }
.feature-media { position: relative; min-height: 460px; overflow: hidden; }
.feature-media img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; filter: saturate(.85); transition: transform 1.4s var(--ease); }
.feature-row:hover .feature-media img { transform: scale(1.04); }
.feature-copy { padding: 64px 60px; display: flex; flex-direction: column; justify-content: center; }
.feature-copy h3 { font-size: clamp(1.9rem, 3vw, 2.6rem); font-weight: 400; margin: 18px 0 20px; }
.feature-copy p { color: var(--text-muted); line-height: 1.85; font-weight: 300; margin-bottom: 30px; }
.feature-figures { display: flex; gap: 0; border-top: 1px solid var(--border-gold); padding-top: 24px; }
.feature-figures > div { flex: 1; padding-right: 24px; }
.feature-figures > div + div { padding-left: 24px; border-left: 1px solid var(--border-subtle); }
.feature-figures .k { font-family: var(--font-serif); font-size: 2.5rem; line-height: 1; color: var(--heading); font-variant-numeric: lining-nums; }
.feature-figures .k.pos { color: var(--emerald-accent); }
.feature-figures .v { font-size: .64rem; letter-spacing: .16em; text-transform: uppercase; color: var(--text-dim); margin-top: 8px; font-weight: 600; }

.bg-alt { background: var(--bg-alt); }
.plans-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(270px, 1fr)); gap: 24px; }
.plans-grid .glass-card-luxury { padding: 30px 26px; }
.plans-grid .plan-roi-val { font-size: 3.1rem; }
.pillar-media .placeholder { background: #111d33; }
.pillar-media .placeholder i { color: #b8955a; }

/* Loans band */
.loan-band { position: relative; overflow: hidden; background: #0a1424; }
.loan-band::before { content: ''; position: absolute; inset: 0; background-image: radial-gradient(rgba(184,149,90,.07) 1px, transparent 1px); background-size: 24px 24px; }
.loan-band .section-wrapper { position: relative; }
.loan-calc {
  background: var(--bg-card); border: 1px solid var(--border-gold); border-radius: var(--radius-md);
  max-width: 1040px; margin: 70px auto 0; display: grid; grid-template-columns: 1fr 1fr; position: relative;
}
.loan-calc::before { content: ''; position: absolute; inset: 8px; border: 1px solid var(--border-subtle); pointer-events: none; }
.loan-calc .lc-left { padding: 48px; border-right: 1px solid var(--border-subtle); }
.loan-calc .lc-right { padding: 48px; display: flex; flex-direction: column; justify-content: center; background: var(--bg-input); }
.loan-calc h3 { font-size: 1.9rem; font-weight: 400; margin: 14px 0 10px; }
.loan-calc .lc-sub { color: var(--text-muted); font-size: .9rem; margin-bottom: 30px; font-weight: 300; }
.ledger-row { display: flex; justify-content: space-between; align-items: baseline; gap: 12px; padding: 14px 0; border-bottom: 1px dashed var(--border-subtle); font-size: .88rem; color: var(--text-muted); }
.ledger-row.total { border-bottom: 0; padding-top: 22px; }
.ledger-row .lv { color: var(--heading); font-weight: 600; font-variant-numeric: tabular-nums; }
.ledger-row.total .lbl { color: var(--heading); font-family: var(--font-serif); font-size: 1.3rem; }
.ledger-row.total .lv { font-family: var(--font-serif); font-size: 2.3rem; color: var(--emerald-accent); font-weight: 600; }

/* Pillars of protection */
.trust-card { padding: 0 !important; overflow: hidden; }
.trust-card .tc-media { aspect-ratio: 16/10; overflow: hidden; background: var(--bg-surface); }
.trust-card .tc-media img { width: 100%; height: 100%; object-fit: cover; filter: saturate(.85); transition: transform 1.2s var(--ease); }
.trust-card:hover .tc-media img { transform: scale(1.05); }
.trust-card .tc-media.icon { display: flex; align-items: center; justify-content: center; background: #111d33; }
.trust-card .tc-media.icon i { font-size: 3rem; color: #b8955a; }
.trust-card .tc-body { padding: 30px; }
.trust-card h3 { font-size: 1.55rem; margin: 14px 0 12px; }
.trust-card p { color: var(--text-muted); font-size: .9rem; line-height: 1.75; }

/* Process steps */
.process-grid { display: grid; grid-template-columns: repeat(4, 1fr); border-top: 1px solid var(--border-gold); }
.process-step { padding: 40px 30px 10px 0; position: relative; }
.process-step + .process-step { padding-left: 30px; border-left: 1px solid var(--border-subtle); }
.process-step .n { font-family: var(--font-serif); font-size: 3.2rem; font-style: italic; color: var(--gold-primary); line-height: 1; margin-bottom: 18px; }
.process-step h4 { font-size: 1.4rem; margin-bottom: 10px; font-weight: 600; }
.process-step p { color: var(--text-muted); font-size: .9rem; line-height: 1.7; }

/* CTA */
.cta-classic { position: relative; overflow: hidden; background: #0a1424; text-align: center; }
.cta-classic .bg { position: absolute; inset: 0; background-size: cover; background-position: center; opacity: .26; }
.cta-classic .inner { position: relative; max-width: 820px; margin: 0 auto; padding: 130px 32px; }
.cta-classic h2 { font-size: clamp(2.4rem, 4.6vw, 3.8rem); font-weight: 400; margin: 26px 0 22px; }
.cta-classic p { color: var(--text-muted); font-size: 1.05rem; font-weight: 300; max-width: 620px; margin: 0 auto 40px; line-height: 1.8; }
.cta-actions { display: flex; gap: 14px; justify-content: center; flex-wrap: wrap; }

/* Reveal on scroll */
.reveal { opacity: 0; transform: translateY(24px); transition: opacity .9s var(--ease), transform .9s var(--ease); }
.reveal.in { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) { .reveal { opacity: 1; transform: none; } * { animation: none !important; transition: none !important; } }

/* =====================================================================
   AUTH
   ===================================================================== */
.auth-wrapper {
  min-height: calc(100vh - 84px);
  display: flex; align-items: center; justify-content: center;
  padding: 70px 20px; position: relative; z-index: 2;
}
.auth-card-standard, .auth-card-wide {
  width: 100%;
  background: var(--bg-card);
  border: 1px solid var(--border-gold);
  border-radius: var(--radius-md);
  padding: 48px 46px;
  box-shadow: var(--shadow-luxury);
  position: relative;
}
.auth-card-standard::before, .auth-card-wide::before { content: ''; position: absolute; inset: 7px; border: 1px solid var(--border-subtle); pointer-events: none; }
.auth-card-standard { max-width: 480px; }
.auth-card-wide { max-width: 820px; }
.auth-card-standard > *, .auth-card-wide > * { position: relative; }

.auth-split {
  min-height: calc(100vh - 84px);
  display: grid; grid-template-columns: 1fr 1fr; position: relative; z-index: 2;
}
.auth-aside { position: relative; overflow: hidden; background: #081120; display: flex; align-items: flex-end; }
.auth-aside .bg { position: absolute; inset: 0; background-size: cover; background-position: center; opacity: .8; }
.auth-aside::before { content: ''; position: absolute; inset: 0; z-index: 1; background: linear-gradient(0deg, #081120 10%, rgba(8,17,32,.55) 60%, rgba(8,17,32,.3)); }
.auth-aside .frame { position: absolute; inset: 24px; border: 1px solid rgba(184,149,90,.25); z-index: 1; }
.auth-aside .content { position: relative; z-index: 2; padding: 70px 64px; max-width: 560px; }
.auth-aside blockquote { font-family: var(--font-serif); font-size: 2.2rem; line-height: 1.2; font-style: italic; color: #f4eee1; margin: 24px 0 26px; font-weight: 400; }
.auth-aside .points { list-style: none; border-top: 1px solid rgba(184,149,90,.3); padding-top: 22px; }
.auth-aside .points li { display: flex; gap: 12px; align-items: baseline; color: #b1a993; font-size: .88rem; padding: 6px 0; }
.auth-aside .points li i { color: #b8955a; font-size: .75rem; }
.auth-main { display: flex; align-items: center; justify-content: center; padding: 60px 24px; }
.auth-main .auth-card-standard { box-shadow: none; }

.auth-heading { text-align: center; margin-bottom: 30px; }
.auth-heading .brand-crest { margin: 0 auto 22px; width: 58px; height: 58px; font-size: 1.5rem; }
.auth-heading h2 { font-size: 2.3rem; font-weight: 400; margin-bottom: 8px; }
.auth-heading p { color: var(--text-muted); font-size: .9rem; font-weight: 300; }

.demo-box { border: 1px dashed var(--border-gold); padding: 16px 18px; margin-bottom: 28px; border-radius: var(--radius-sm); background: rgba(184,149,90,.05); }
.demo-box .head { display: flex; justify-content: space-between; align-items: center; margin-bottom: 12px; font-size: .62rem; letter-spacing: .18em; text-transform: uppercase; font-weight: 700; color: var(--gold-light); }
.demo-box .head span:last-child { color: var(--text-dim); font-weight: 600; }
.demo-box .grid { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; }

.divider-text { display: flex; align-items: center; gap: 14px; color: var(--text-dim); font-size: .66rem; letter-spacing: .2em; text-transform: uppercase; margin: 26px 0; }
.divider-text::before, .divider-text::after { content: ''; flex: 1; height: 1px; background: var(--border-subtle); }

/* Onboarding */
.onboarding-steps { display: flex; justify-content: space-between; margin-bottom: 36px; position: relative; }
.onboarding-steps::before { content: ''; position: absolute; top: 18px; left: 40px; right: 40px; height: 1px; background: var(--border-gold); z-index: 1; }
.step-indicator { position: relative; z-index: 2; text-align: center; cursor: pointer; flex: 1; }
.step-circle {
  width: 38px; height: 38px; border-radius: 50%;
  background: var(--bg-card); border: 1px solid var(--border-gold); color: var(--text-muted);
  display: inline-flex; align-items: center; justify-content: center;
  font-family: var(--font-serif); font-weight: 600; font-size: 1.05rem; font-style: italic;
  transition: all .3s; margin-bottom: 8px;
}
.step-indicator.active .step-circle { background: var(--gold-primary); border-color: var(--gold-primary); color: var(--btn-gold-text); }
.step-indicator.completed .step-circle { background: var(--emerald-accent); border-color: var(--emerald-accent); color: #fff; }
.step-title { font-size: .64rem; letter-spacing: .14em; text-transform: uppercase; color: var(--text-dim); font-weight: 600; }
.step-indicator.active .step-title { color: var(--gold-light); }

.account-type-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 14px; margin-bottom: 24px; }
.type-option-card {
  border: 1px solid var(--border-subtle); background: var(--bg-input);
  padding: 22px 16px; text-align: center; cursor: pointer; border-radius: var(--radius-sm);
  transition: all .3s; position: relative;
}
.type-option-card:hover { border-color: var(--border-gold); }
.type-option-card.selected { border-color: var(--gold-primary); background: rgba(184,149,90,.07); }
.type-option-card.selected::after { content: '\f00c'; font-family: 'Font Awesome 6 Free'; font-weight: 900; position: absolute; top: 8px; right: 10px; font-size: .7rem; color: var(--gold-primary); }
.type-icon { font-size: 1.5rem; color: var(--gold-primary); margin-bottom: 10px; }
.type-name { font-family: var(--font-serif); font-size: 1.2rem; font-weight: 600; color: var(--heading); margin-bottom: 4px; }
.type-desc { font-size: .76rem; color: var(--text-muted); line-height: 1.5; }

.password-input-group { position: relative; }
.password-input-group .form-control { padding-right: 48px; }
.password-toggle-btn { position: absolute; right: 6px; top: 50%; transform: translateY(-50%); background: none; border: 0; color: var(--text-dim); cursor: pointer; padding: 8px 10px; transition: color .2s; }
.password-toggle-btn:hover { color: var(--gold-light); }

.strength-meter { height: 2px; background: var(--border-subtle); margin-top: 10px; overflow: hidden; }
.strength-meter-bar { height: 100%; width: 0; transition: width .35s, background .35s; }
.strength-meter-bar.weak { width: 33%; background: #c96a5f; }
.strength-meter-bar.medium { width: 66%; background: #c9a24f; }
.strength-meter-bar.strong { width: 100%; background: var(--emerald-accent); }

.trust-badges-bar { display: flex; justify-content: center; gap: 0; border-top: 1px solid var(--border-subtle); padding-top: 22px; flex-wrap: wrap; }
.trust-badge-item { display: flex; align-items: center; gap: 8px; font-size: .62rem; letter-spacing: .14em; text-transform: uppercase; color: var(--text-dim); font-weight: 600; padding: 0 16px; }
.trust-badge-item + .trust-badge-item { border-left: 1px solid var(--border-subtle); }
.trust-badge-item i { color: var(--gold-primary) !important; }

.file-dropzone {
  border: 1px dashed var(--border-gold); background: var(--bg-input);
  padding: 30px 20px; text-align: center; position: relative; cursor: pointer;
  border-radius: var(--radius-sm); transition: all .3s;
}
.file-dropzone:hover { border-color: var(--gold-primary); background: var(--gold-glow); }
.file-dropzone input[type="file"] { position: absolute; inset: 0; width: 100%; height: 100%; opacity: 0; cursor: pointer; }
.dropzone-label { font-size: .86rem; font-weight: 600; color: var(--heading); margin-top: 10px; }
.dropzone-sub { font-size: .74rem; color: var(--text-dim); margin-top: 4px; }
.dropzone-selected-name { font-size: .8rem; color: var(--emerald-accent); margin-top: 10px; font-weight: 600; }

.kyc-certificate-card {
  border: 1px solid var(--gold-primary); background: var(--bg-input);
  padding: 30px; position: relative; overflow: hidden; border-radius: var(--radius-sm);
}
.kyc-certificate-card::after { content: ''; position: absolute; inset: 6px; border: 1px solid var(--border-gold); pointer-events: none; }
.certificate-seal {
  width: 72px; height: 72px; border-radius: 50%;
  border: 1px solid var(--gold-primary); color: var(--gold-primary);
  display: flex; align-items: center; justify-content: center; font-size: 1.6rem;
  box-shadow: 0 0 0 5px var(--bg-input), 0 0 0 6px var(--border-gold);
}

/* Crypto selector */
.crypto-selector-tabs { display: grid; grid-template-columns: repeat(4, 1fr); gap: 12px; margin-bottom: 24px; }
.crypto-tab-card { border: 1px solid var(--border-subtle); background: var(--bg-input); padding: 16px 12px; text-align: center; cursor: pointer; transition: all .3s; border-radius: var(--radius-sm); }
.crypto-tab-card:hover { border-color: var(--border-gold); }
.crypto-tab-card.active { border-color: var(--gold-primary); background: rgba(184,149,90,.07); }
.crypto-tab-icon { font-size: 1.5rem; margin-bottom: 8px; }
.crypto-tab-name { font-weight: 700; font-size: .86rem; color: var(--heading); }
.crypto-tab-network { font-size: .64rem; color: var(--text-dim); letter-spacing: .1em; text-transform: uppercase; margin-top: 2px; }

.preset-chips { display: flex; gap: 8px; flex-wrap: wrap; margin-top: 10px; }
.preset-chip {
  padding: 6px 12px; border: 1px solid var(--border-subtle); background: transparent;
  color: var(--text-muted); font-size: .74rem; font-weight: 600; cursor: pointer;
  border-radius: var(--radius-sm); transition: all .2s; font-family: var(--font-sans);
}
.preset-chip:hover { border-color: var(--gold-primary); color: var(--gold-light); }

.qr-container { background: #fffdf8; padding: 14px; display: inline-flex; border: 1px solid var(--border-gold); }
.qr-container svg { display: block; }

/* =====================================================================
   APP (dashboard / management) refinements over inline styles
   ===================================================================== */
.theme-ink main { padding-bottom: 40px; }
.theme-ink .section-wrapper { padding-top: 56px; padding-bottom: 56px; }
.theme-ink h1 { font-weight: 500; }
.theme-ink table { width: 100%; border-collapse: collapse; }
.theme-ink th {
  font-size: .62rem; letter-spacing: .16em; text-transform: uppercase; font-weight: 700;
  color: var(--gold-primary) !important; text-align: left; padding: 14px 12px;
  border-bottom: 1px solid var(--border-gold) !important; background: transparent !important;
}
.theme-ink td { padding: 14px 12px; border-bottom: 1px solid var(--border-subtle); font-size: .86rem; }
.theme-ink tbody tr { transition: background .2s; }
.theme-ink tbody tr:hover { background: rgba(184,149,90,.04); }
/* tame legacy inline radii & glows */
.theme-ink [style*="border-radius: 50%"] { border-radius: 50% !important; }
.theme-ink [style*="box-shadow: 0 0"] { box-shadow: none !important; }

/* =====================================================================
   RESPONSIVE
   ===================================================================== */
@media (max-width: 1180px) {
  .nav-links { gap: 22px; }
  .nav-links a { font-size: .68rem; }
}
@media (max-width: 1100px) {
  .hero-section { grid-template-columns: 1fr; gap: 56px; }
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .footer-inner { grid-template-columns: 1fr 1fr; gap: 44px; }
  .intro-grid { grid-template-columns: 1fr; gap: 60px; }
  .intro-figure { max-width: 520px; }
  .process-grid { grid-template-columns: repeat(2, 1fr); }
  .process-step:nth-child(3) { padding-left: 0; border-left: 0; }
  .auth-split { grid-template-columns: 1fr; }
  .auth-aside { min-height: 340px; }
  .auth-aside .content { padding: 50px 40px; }
  .utility-bar .u-right { display: none; }
}
@media (max-width: 960px) {
  .feature-row, .feature-row.reverse { grid-template-columns: 1fr; }
  .feature-row.reverse .feature-media { order: 0; }
  .feature-media { min-height: 300px; }
  .feature-copy { padding: 44px 32px; }
  .loan-calc { grid-template-columns: 1fr; }
  .loan-calc .lc-left { border-right: 0; border-bottom: 1px solid var(--border-subtle); }
}
@media (max-width: 768px) {
  .brand-title { font-size: 1.2rem; letter-spacing: .24em; }
  .brand-sub { display: none; }
  .brand-crest { width: 40px; height: 40px; font-size: 1.05rem; }
  .nav-actions .btn-outline-gold, .nav-actions .btn-outline-subtle { display: none; }
  .hero-title { font-size: 2.7rem; }
  .hero-section { padding: 70px 18px 90px !important; }
  .hero-stats-row { flex-direction: column; gap: 22px; }
  .stat-item { padding: 0 !important; border-left: 0 !important; border-top: 1px solid var(--border-gold); padding-top: 18px !important; }
  .stat-item:first-child { border-top: 0; padding-top: 0 !important; }
  .grid-3, .grid-4, .grid-2 { grid-template-columns: 1fr; }
  .section-wrapper { padding: 80px 18px; }
  .container { padding: 0 18px; }
  .footer-inner { grid-template-columns: 1fr; padding: 64px 18px 40px; }
  .footer-bottom { flex-direction: column; padding: 22px 18px; }
  .process-grid { grid-template-columns: 1fr; }
  .process-step, .process-step + .process-step { padding: 30px 0 10px; border-left: 0; border-top: 1px solid var(--border-subtle); }
  .intro-figure .seal { right: 10px; width: 104px; height: 104px; }
  .credentials-strip .inner { justify-content: center; }
  .credentials-strip .item { font-size: 1rem; }
  .loan-calc .lc-left, .loan-calc .lc-right { padding: 32px 24px; }
  .estimator-head, .estimator-body { padding-left: 22px; padding-right: 22px; }
  .auth-card-standard, .auth-card-wide { padding: 36px 24px; }
  .account-type-grid { grid-template-columns: 1fr; }
  .modal-content { padding: 32px 22px; }
  .hero-classic .frame, .auth-aside .frame { inset: 12px; }
  .scroll-cue { display: none; }
  .utility-bar { display: none; }
  .toast-container { left: 16px; right: 16px; top: 84px; }
}
@media (max-width: 480px) {
  .brand-logo { gap: 10px; }
  .brand-title { font-size: 1.05rem; letter-spacing: .18em; }
  .nav-actions { gap: 6px; }
  .nav-actions .btn-gold { padding: 9px 11px; font-size: .6rem; letter-spacing: .08em; }
  .nav-actions .btn-gold i { display: none; }
  .nav-toggle { width: 38px; height: 38px; }
  .hero-title { font-size: 2.4rem; }
  .estimator-result .big { font-size: 1.7rem; }
  .ledger-row.total .lv { font-size: 1.8rem; }
}
@media (max-width: 900px) {
  .crypto-selector-tabs { grid-template-columns: repeat(2, 1fr); }
}

/* Tone legacy neon inline colours into the classic palette */
.theme-ink [style*="color: #34d399"], .theme-ink [style*="color:#34d399"] { color: #6dbb96 !important; }
.theme-ink [style*="color: #60a5fa"], .theme-ink [style*="color: #67e8f9"] { color: #8fb4c9 !important; }
.theme-ink [style*="color: #f7d774"] { color: #d8bd8a !important; }
.theme-ink [style*="color: #a78bfa"] { color: #a596c9 !important; }
.theme-ink [style*="color: var(--cyan-accent)"] { color: #8fb4c9 !important; }
.theme-ink .live-ticker-val { font-variant-numeric: tabular-nums lining-nums; }

/* =====================================================================
   LOADERS — splash, route progress, button spinner, image skeletons
   ===================================================================== */
#appLoader {
  position: fixed; inset: 0; z-index: 9999;
  background: #0a1424;
  display: none; flex-direction: column; align-items: center; justify-content: center;
  transition: opacity .55s var(--ease), visibility .55s;
}
.has-splash #appLoader { display: flex; animation: loaderFailsafe .01s 5s forwards; }
#appLoader.done { opacity: 0; visibility: hidden; }
@keyframes loaderFailsafe { to { opacity: 0; visibility: hidden; } }
.loader-crest { position: relative; width: 104px; height: 104px; display: grid; place-items: center; }
.loader-crest .ring {
  position: absolute; inset: 0; border-radius: 50%;
  border: 1px solid rgba(184,149,90,.22); border-top-color: #b8955a;
  animation: ehspin 1.15s linear infinite;
}
.loader-crest .crest {
  position: relative; width: 60px; height: 60px; display: grid; place-items: center;
  border: 1px solid #b8955a; color: #b8955a;
  font-family: var(--font-serif); font-style: italic; font-weight: 600; font-size: 1.6rem;
  animation: crestPulse 1.9s ease-in-out infinite;
}
.loader-crest .crest::after { content: ''; position: absolute; inset: 3px; border: 1px solid rgba(184,149,90,.38); }
.loader-word { margin-top: 30px; padding-left: .42em; font-family: var(--font-serif); font-weight: 600; font-size: 1.5rem; letter-spacing: .42em; color: #f4eee1; animation: loaderRise .8s var(--ease) both .1s; }
.loader-sub { margin-top: 10px; font-size: .56rem; font-weight: 600; letter-spacing: .34em; text-transform: uppercase; color: #b8955a; animation: loaderRise .8s var(--ease) both .25s; }
.loader-bar { position: relative; margin-top: 34px; width: 120px; height: 1px; background: rgba(184,149,90,.2); overflow: hidden; }
.loader-bar span { position: absolute; top: 0; bottom: 0; left: 0; width: 42%; background: #b8955a; animation: barSlide 1.25s ease-in-out infinite; }
@keyframes ehspin { to { transform: rotate(360deg); } }
@keyframes crestPulse { 0%,100% { opacity: 1; } 50% { opacity: .55; } }
@keyframes barSlide { 0% { transform: translateX(-100%); } 100% { transform: translateX(260%); } }
@keyframes loaderRise { from { opacity: 0; transform: translateY(8px); } to { opacity: 1; transform: none; } }

#navProgress { position: fixed; top: 0; left: 0; right: 0; height: 2px; z-index: 10000; pointer-events: none; opacity: 0; transition: opacity .3s; }
#navProgress.on { opacity: 1; }
#navProgress span { display: block; height: 100%; width: 0; background: linear-gradient(90deg, #9a7a43, #d8bd8a); box-shadow: 0 0 10px rgba(216,189,138,.65); transition: width .35s ease; }

/* Buttons: spinner while a form is submitting */
.btn { --spin: var(--gold-light); }
.btn-gold { --spin: var(--btn-gold-text); }
.btn-emerald { --spin: #fff; }
.btn.is-loading { position: relative; color: transparent !important; pointer-events: none; }
.btn.is-loading > * { opacity: 0; }
.btn.is-loading::after {
  content: ''; position: absolute; left: 50%; top: 50%; width: 18px; height: 18px; margin: -9px 0 0 -9px; border-radius: 50%;
  border: 2px solid color-mix(in srgb, var(--spin) 28%, transparent); border-top-color: var(--spin);
  animation: ehspin .7s linear infinite;
}

/* Image skeletons */
@keyframes shimmer { to { background-position: -200% 0; } }
.skel {
  background: linear-gradient(100deg, var(--bg-surface) 30%, color-mix(in srgb, var(--gold-primary) 18%, var(--bg-surface)) 50%, var(--bg-surface) 70%);
  background-size: 200% 100%; animation: shimmer 1.5s linear infinite;
}
.js .skel img { opacity: 0; }
.pillar-media img, .feature-media img, .tc-media img, .intro-figure img { transition: opacity .7s var(--ease), transform 1.2s var(--ease); }

/* Tab panes ease in when switched */
.tab-pane.active { animation: paneIn .35s var(--ease); }
@keyframes paneIn { from { opacity: 0; } to { opacity: 1; } }
main { animation: pageIn .5s var(--ease) both; }
@keyframes pageIn { from { opacity: 0; } to { opacity: 1; } }

/* =====================================================================
   APP SHELL — hidden on desktop
   ===================================================================== */
.nav-toggle, .nav-quick, .app-title { display: none; }
.drawer, .drawer-backdrop, .tabbar { display: none; }
.app-page { padding: 56px 24px 80px; }
.rail-dots { display: none; }

@media (hover: none) {
  .glass-card-luxury:hover { transform: none; box-shadow: var(--shadow-card); }
  .glass-card-luxury:hover::before { transform: scaleX(0); }
  .pillar-card:hover .pillar-media img, .feature-row:hover .feature-media img, .trust-card:hover .tc-media img { transform: none; }
}

@media (max-width: 960px) {
  html { scroll-padding-top: 70px; }
  body { -webkit-tap-highlight-color: transparent; overscroll-behavior-y: none; }
  body.drawer-lock { overflow: hidden; }
  body.has-tabbar { padding-bottom: calc(74px + env(safe-area-inset-bottom)); }
  .utility-bar { display: none; }
  button, .btn, a { touch-action: manipulation; }

  /* ---- App bar ---- */
  .luxury-navbar { padding-top: env(safe-area-inset-top); }
  .nav-container {
    display: grid; grid-template-columns: 44px 1fr 44px; align-items: center; gap: 0;
    height: 58px; padding: 0 10px;
  }
  .nav-toggle {
    display: inline-flex; align-items: center; justify-content: center; grid-column: 1; justify-self: start;
    width: 42px; height: 42px; border: 0; background: none; color: var(--heading); font-size: 1.15rem; cursor: pointer; border-radius: 50%;
  }
  .nav-toggle:active { background: var(--gold-glow); }
  .brand-logo { grid-column: 2; justify-self: center; gap: 10px; }
  .brand-crest { width: 34px; height: 34px; font-size: .95rem; }
  .brand-crest::after { inset: 2px; }
  .brand-title { font-size: 1.05rem; letter-spacing: .3em; }
  .brand-sub { display: none; }
  .nav-links { display: none !important; }
  .nav-actions { grid-column: 3; justify-self: end; gap: 0; }
  .nav-actions .btn { display: none; }
  .nav-quick {
    display: inline-flex; align-items: center; justify-content: center;
    width: 36px; height: 36px; border-radius: 50%;
    border: 1px solid var(--gold-primary); color: var(--gold-primary); text-decoration: none;
    font-family: var(--font-serif); font-weight: 700; font-size: 1rem; background: transparent;
  }
  .nav-quick i { font-size: .8rem; }
  body.has-tabs .brand-logo { display: none; }
  body.has-tabs .app-title {
    display: block; grid-column: 2; justify-self: center; max-width: 100%;
    font-family: var(--font-serif); font-size: 1.28rem; font-weight: 600; color: var(--heading); white-space: nowrap; overflow: hidden; text-overflow: ellipsis;
  }

  /* ---- Side drawer ---- */
  .drawer-backdrop {
    display: block; position: fixed; inset: 0; z-index: 2900; background: rgba(4,9,18,.72); backdrop-filter: blur(3px); -webkit-backdrop-filter: blur(3px);
    opacity: 0; visibility: hidden; transition: opacity .35s var(--ease), visibility .35s;
  }
  .drawer-backdrop.open { opacity: 1; visibility: visible; }
  .drawer {
    display: flex; flex-direction: column;
    position: fixed; top: 0; left: 0; bottom: 0; width: min(86vw, 340px); z-index: 3000;
    background: var(--bg-dark); color: var(--text-main);
    border-right: 1px solid var(--border-gold); box-shadow: 30px 0 60px -30px #000;
    padding-top: env(safe-area-inset-top);
    transform: translateX(-104%); transition: transform .38s var(--ease);
    overscroll-behavior: contain;
  }
  .drawer.open { transform: none; }
  .drawer-head { display: flex; align-items: center; justify-content: space-between; padding: 22px 18px 20px 22px; border-bottom: 1px solid var(--border-subtle); background: linear-gradient(180deg, rgba(184,149,90,.07), transparent); }
  .drawer-user { display: flex; align-items: center; gap: 14px; min-width: 0; }
  .drawer-user .avatar {
    width: 48px; height: 48px; flex-shrink: 0; display: grid; place-items: center;
    border: 1px solid var(--gold-primary); color: var(--gold-primary); position: relative;
    font-family: var(--font-serif); font-style: italic; font-weight: 600; font-size: 1.3rem;
  }
  .drawer-user .avatar::after { content: ''; position: absolute; inset: 3px; border: 1px solid var(--border-gold); }
  .drawer-user .dn { font-family: var(--font-serif); font-size: 1.35rem; font-weight: 600; color: var(--heading); line-height: 1.1; overflow: hidden; text-overflow: ellipsis; white-space: nowrap; }
  .drawer-user .ds { font-size: .64rem; letter-spacing: .16em; text-transform: uppercase; color: var(--gold-primary); margin-top: 4px; font-weight: 600; }
  .drawer-close { width: 40px; height: 40px; border: 0; background: none; color: var(--text-muted); font-size: 1.1rem; border-radius: 50%; cursor: pointer; }
  .drawer-close:active { background: var(--gold-glow); }
  .drawer-nav { flex: 1; overflow-y: auto; padding: 8px 0 18px; -webkit-overflow-scrolling: touch; }
  .drawer-label { padding: 20px 22px 8px; font-size: .6rem; font-weight: 700; letter-spacing: .26em; text-transform: uppercase; color: var(--text-dim); }
  .drawer-link {
    display: flex; align-items: center; gap: 16px; width: 100%; padding: 14px 22px;
    background: none; border: 0; border-left: 2px solid transparent; color: var(--text-main); text-decoration: none;
    font-family: var(--font-sans); font-size: .95rem; font-weight: 500; text-align: left; cursor: pointer;
  }
  .drawer-link i { width: 20px; text-align: center; color: var(--gold-primary); font-size: .95rem; }
  .drawer-link:active, .drawer-link.active { background: rgba(184,149,90,.09); border-left-color: var(--gold-primary); }
  .drawer-foot { display: flex; flex-direction: column; gap: 8px; padding: 18px 22px calc(18px + env(safe-area-inset-bottom)); border-top: 1px solid var(--border-subtle); font-size: .74rem; color: var(--text-dim); }
  .drawer-foot i { color: var(--gold-primary); width: 18px; }

  /* ---- Bottom tab bar ---- */
  .tabbar {
    display: grid; grid-template-columns: repeat(5, 1fr); align-items: end;
    position: fixed; left: 0; right: 0; bottom: 0; z-index: 1500;
    padding: 6px 6px calc(6px + env(safe-area-inset-bottom));
    background: rgba(10,20,36,.94); -webkit-backdrop-filter: blur(16px); backdrop-filter: blur(16px);
    border-top: 1px solid rgba(184,149,90,.3);
    transition: transform .3s var(--ease);
  }
  body.kb-open .tabbar { transform: translateY(115%); }
  .tab-item, .tab-fab {
    position: relative; display: flex; flex-direction: column; align-items: center; justify-content: center; gap: 5px;
    min-height: 54px; padding: 6px 2px 2px; background: none; border: 0; cursor: pointer; text-decoration: none;
    color: #847d6c; font-family: var(--font-sans); font-size: .56rem; font-weight: 700; letter-spacing: .12em; text-transform: uppercase;
    -webkit-tap-highlight-color: transparent; transition: color .25s;
  }
  .tab-item i { font-size: 1.2rem; transition: transform .3s var(--ease); }
  .tab-item:active i { transform: scale(.86); }
  .tab-item.active { color: #d8bd8a; }
  .tab-item.active::before { content: ''; position: absolute; top: -7px; left: 50%; width: 24px; height: 2px; margin-left: -12px; background: #b8955a; }
  .tab-fab { color: #d8bd8a; }
  .tab-fab i {
    display: grid; place-items: center; width: 54px; height: 54px; margin-top: -30px; border-radius: 50%;
    background: #b8955a; color: #0a1424; font-size: 1.2rem;
    border: 4px solid #0a1424; box-shadow: 0 0 0 1px rgba(184,149,90,.5), 0 10px 24px -8px rgba(0,0,0,.7);
    transition: transform .3s var(--ease);
  }
  .tab-fab:active i { transform: scale(.92); }
  .tab-fab.active i { background: #d8bd8a; }

  /* ---- Page chrome ---- */
  .toast-container { top: calc(66px + env(safe-area-inset-top)); left: 14px; right: 14px; max-width: none; }
  .section-wrapper { padding: 56px 18px; }
  .section-header { margin-bottom: 36px; }
  .luxury-footer { margin-bottom: 0; }
  .footer-col:not(:first-child) { display: none; }
  .footer-inner { grid-template-columns: 1fr; padding: 44px 20px 8px; }
  .footer-bottom { padding: 18px 20px; font-size: .68rem; }

  /* ---- Home ---- */
  .hero-classic { min-height: 0; }
  .hero-classic .hero-section { padding: 42px 20px 56px !important; gap: 40px; }
  .hero-title { font-size: 2.55rem; margin-bottom: 20px; }
  .hero-desc { font-size: .98rem; margin-bottom: 28px; }
  .hero-classic .frame { inset: 10px; }
  .feature-media { min-height: 230px; }
  .feature-copy { padding: 32px 22px; }
  .feature-row + .feature-row { margin-top: 20px; }
  .intro-grid { gap: 48px; }
  .intro-figure { max-width: none; margin: 0 14px 0 0; }
  .intro-figure .seal { right: -8px; bottom: 24px; width: 100px; height: 100px; }
  .intro-figure .seal b { font-size: 1.8rem; }
  .process-grid { grid-template-columns: 1fr 1fr; }
  .process-step { padding: 26px 14px 8px 0 !important; border-left: 0 !important; }
  .process-step:nth-child(even) { padding-left: 14px !important; border-left: 1px solid var(--border-subtle) !important; }
  .process-step .n { font-size: 2.4rem; }
  .loan-calc .lc-left, .loan-calc .lc-right { padding: 28px 20px; }
  .loan-calc { margin-top: 36px; }
  .cta-classic .inner { padding: 80px 22px; }
  .cta-actions .btn { width: 100%; }

  /* swipeable card rails */
  .carousel-m {
    display: flex !important; gap: 14px; overflow-x: auto; scroll-snap-type: x mandatory; scroll-padding-left: 18px;
    margin: 0 -18px; padding: 6px 18px 8px; -webkit-overflow-scrolling: touch; scrollbar-width: none; overscroll-behavior-x: contain;
  }
  .carousel-m::-webkit-scrollbar { display: none; }
  .carousel-m > * { flex: 0 0 80%; max-width: 330px; scroll-snap-align: start; }
  .carousel-m > .reveal { opacity: 1; transform: none; }
  .rail-dots { display: flex; justify-content: center; gap: 7px; margin: 14px 0 0; }
  .rail-dots span { width: 6px; height: 6px; border-radius: 50%; background: var(--border-gold); transition: all .3s var(--ease); }
  .rail-dots span.on { width: 20px; border-radius: 4px; background: var(--gold-primary); }

  /* ---- Bottom-sheet modals ---- */
  .modal-backdrop { align-items: flex-end; padding: 0; }
  .modal-content {
    max-width: none !important; width: 100%; border-radius: 20px 20px 0 0; border-bottom: 0;
    max-height: 92vh; max-height: 92dvh; padding: 34px 20px calc(26px + env(safe-area-inset-bottom));
    animation: sheetUp .38s var(--ease);
  }
  .modal-content::before { display: none; }
  .modal-content::after { content: ''; position: absolute; top: 10px; left: 50%; width: 44px; height: 4px; margin-left: -22px; border-radius: 4px; background: var(--border-gold); }
  .modal-close { top: 14px; right: 14px; }
  @keyframes sheetUp { from { transform: translateY(100%); } to { transform: none; } }

  /* ---- Forms: comfortable touch targets, no iOS zoom ---- */
  .form-control, select.form-control { font-size: 16px; min-height: 48px; }
  .btn { min-height: 46px; }
  .btn-sm { min-height: 40px; }

  /* ---- Auth ---- */
  .auth-split { min-height: 0; }
  .auth-aside { min-height: 220px; }
  .auth-aside .content { padding: 34px 24px; }
  .auth-aside blockquote { font-size: 1.5rem; margin: 14px 0 0; }
  .auth-aside .points { display: none; }
  .auth-main { padding: 28px 16px 40px; align-items: flex-start; }
  .auth-wrapper { padding: 28px 14px 40px; min-height: 0; align-items: flex-start; }

  /* ---- Dashboard & admin as an app screen ---- */
  .app-page { padding: 16px 14px 20px; }
  .app-page .tabs-nav { display: none; }
  .dash-head { margin-bottom: 18px !important; gap: 14px !important; align-items: stretch !important; }
  .dash-head h1 { font-size: 1.75rem !important; }
  .dash-head p { font-size: .8rem !important; line-height: 1.6; }
  .dash-head, .dash-head > * { min-width: 0; max-width: 100%; }
  html, body { overflow-x: clip; }
  body:has(.modal-backdrop.open) .tabbar, body:has(.modal-backdrop.active) .tabbar { transform: translateY(115%); }
  .dash-badges { flex-wrap: nowrap !important; overflow-x: auto; margin-right: 0; padding-right: 0; scrollbar-width: none; }
  .dash-badges::-webkit-scrollbar { display: none; }
  .dash-badges .badge { flex-shrink: 0; }
  .dash-actions { display: grid !important; grid-template-columns: 1fr 1fr; gap: 10px !important; width: 100%; }
  .dash-actions .btn { width: 100%; padding: 12px 8px; font-size: .62rem; white-space: normal; text-align: center; }
  .dash-actions .btn:first-child:nth-last-child(odd) { grid-column: 1 / -1; }
  .live-ticker-box { padding: 18px 16px; margin-bottom: 20px !important; }
  .live-ticker-val { font-size: 2.2rem; }
  .app-page .grid-4 { grid-template-columns: 1fr 1fr; gap: 10px !important; margin-bottom: 22px !important; }
  .app-page .grid-4 .glass-card-luxury { padding: 16px 14px !important; }
  .app-page .grid-4 .mono-num { font-size: 1.2rem !important; }
  .app-page .grid-3, .app-page .grid-2 { grid-template-columns: 1fr; gap: 14px; }
  .stat-grid { grid-template-columns: 1fr 1fr !important; gap: 10px !important; margin-bottom: 22px !important; }
  .stat-grid .glass-card-luxury { padding: 16px 14px !important; }
  .stat-grid .glass-card-luxury:last-child { grid-column: 1 / -1; }
  .app-page .glass-card-luxury { padding: 18px 16px; }
  .app-page [style*="grid-template-columns: 1fr 1fr"], .app-page [style*="grid-template-columns: repeat(3"], .app-page [style*="grid-template-columns: repeat(4"] { grid-template-columns: 1fr !important; }
  .app-page [style*="grid-template-columns: repeat(4"][style*="gap: 16px"] { grid-template-columns: 1fr 1fr !important; }
  .app-page table { display: block; overflow-x: auto; white-space: nowrap; -webkit-overflow-scrolling: touch; }
  .app-page h2 { font-size: 1.6rem; }
  .crypto-selector-tabs { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 480px) {
  .brand-title { font-size: .98rem; letter-spacing: .26em; }
  .hero-title { font-size: 2.3rem; }
  .estimator-result .big { font-size: 1.7rem; }
  .ledger-row.total .lv { font-size: 1.8rem; }
  .carousel-m > * { flex-basis: 84%; }
}

/* ---- one-time-code & recovery pages ---- */
.otp-input { text-align: center; font-size: 1.7rem !important; letter-spacing: .5em; padding-left: .5em !important; font-variant-numeric: tabular-nums; }
.otp-resend { display: flex; align-items: center; justify-content: center; gap: 12px; flex-wrap: wrap; margin-top: 20px; }
.otp-note { color: var(--text-muted); font-size: .8rem; }
.otp-foot { text-align: center; margin: 22px 0 0; font-size: .86rem; } .otp-foot a { color: var(--gold-light); text-decoration: none; border-bottom: 1px solid var(--border-gold); }
.otp-warn { background: rgba(212,175,55,.1); border: 1px solid var(--border-gold); border-radius: 8px; padding: 12px 14px; margin-bottom: 18px; color: var(--gold-light); font-size: .86rem; line-height: 1.6; }
@media (max-width: 560px) { .otp-input { font-size: 1.45rem !important; letter-spacing: .38em; } .auth-card-standard { padding: 28px 20px; } }

/* ---- legal pages ---- */
.legal-page { padding: 130px 20px 80px; } .legal-inner { max-width: 760px; margin: 0 auto; }
.legal-inner h1 { font-size: clamp(2.2rem, 6vw, 3.2rem); margin: 10px 0 8px; } .legal-inner .lead { color: var(--text-muted); margin-bottom: 30px; }
.legal-inner h2 { font-size: 1.35rem; margin: 30px 0 8px; } .legal-inner p { color: var(--text-muted); line-height: 1.85; } .legal-inner a { color: var(--gold-light); }
.footer-bottom a { color: inherit; text-decoration: none; } .footer-bottom a:hover { color: var(--gold-light); }

/* ---- five+ pillars + crypto panel ---- */
.grid-pillars { grid-template-columns: repeat(auto-fit, minmax(230px, 1fr)); }
.coin-panel { background: radial-gradient(circle at 50% 40%, #13243f, #0a1424 70%); display: grid; place-items: center; }
.coin-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: clamp(14px, 3vw, 28px); padding: 40px; width: min(100%, 420px); position: relative; }
.coin-grid img { position: static; width: 100%; height: auto; max-width: 96px; margin: 0 auto; filter: none; border-radius: 50%; box-shadow: 0 14px 34px rgba(0,0,0,.45); transition: transform .4s var(--ease); }
.coin-grid img:nth-child(2n) { transform: translateY(14px); } .coin-grid img:hover { transform: scale(1.08); }
@media (max-width: 960px) { .coin-panel { min-height: 280px; } .grid-pillars { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 960px) { .carousel-m.grid-pillars { display: flex; } }