/* Credit SPOC — site styles */
:root{
  --navy:#0B1F3A; --navy-2:#132C4F; --navy-3:#1D3A63;
  --teal:#0B6F68; --teal-hover:#095A54; --teal-bright:#3CC2B4; --teal-soft:#E4F2F0;
  --bg:#F4F6F9; --surface:#FFFFFF; --ink:#0B1F3A; --muted:#4A5870; --line:#D9DFE7;
  --sand:#EFE9DC;
  --serif:"Source Serif 4",Georgia,"Times New Roman",serif;
  --sans:"Manrope",system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;
  --wrap:1160px; --radius:10px;
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:96px}
body{margin:0;font-family:var(--sans);font-size:17px;line-height:1.65;color:var(--ink);background:var(--surface);-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto;display:block}
a{color:var(--teal)}
a:hover{color:var(--teal-hover)}
h1,h2,h3,h4{font-family:var(--serif);font-weight:600;line-height:1.15;letter-spacing:-.01em;margin:0 0 .5em;color:var(--ink)}
h1{font-size:clamp(2.2rem,4.6vw,3.6rem)}
h2{font-size:clamp(1.7rem,3vw,2.4rem)}
h3{font-size:1.35rem}
h4{font-size:1.1rem}
p{margin:0 0 1em}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 24px}
.narrow{max-width:760px}
.lead{font-size:1.2rem;color:var(--muted);max-width:680px}
.muted{color:var(--muted)}
.skip{position:absolute;left:-999px;top:0;background:var(--navy);color:#fff;padding:10px 16px;z-index:100}
.skip:focus{left:16px;top:16px}
:focus-visible{outline:3px solid var(--teal-bright);outline-offset:3px}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:13px 22px;border-radius:8px;font-weight:700;font-size:.97rem;text-decoration:none;border:2px solid var(--teal);background:var(--teal);color:#fff;cursor:pointer;font-family:var(--sans);line-height:1.2}
.btn:hover{background:var(--teal-hover);border-color:var(--teal-hover);color:#fff}
.btn.secondary{background:transparent;color:var(--ink);border-color:var(--line)}
.btn.secondary:hover{border-color:var(--ink);color:var(--ink)}
.on-dark .btn.secondary{color:#fff;border-color:rgba(255,255,255,.4)}
.on-dark .btn.secondary:hover{border-color:#fff}
.btn-row{display:flex;flex-wrap:wrap;gap:12px;margin-top:28px}

/* Header */
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.97);border-bottom:1px solid var(--line);backdrop-filter:saturate(1.2) blur(6px)}
.header-inner{display:flex;align-items:center;gap:28px;height:76px}
.logo{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink);flex:none}
.logo svg{width:36px;height:36px}
.logo-text{display:flex;flex-direction:column;line-height:1.05}
.logo-text strong{font-family:var(--serif);font-size:1.35rem;font-weight:600;letter-spacing:-.01em}
.logo-text small{font-size:.72rem;color:var(--muted);font-weight:600;letter-spacing:.02em}
.nav{display:flex;align-items:center;gap:4px;margin-left:auto}
.nav>a,.nav>.has-menu>button{white-space:nowrap;font:inherit;font-size:.95rem;font-weight:600;color:var(--ink);text-decoration:none;padding:10px 12px;border-radius:6px;background:none;border:0;cursor:pointer;display:flex;align-items:center;gap:6px}
.nav>a:hover,.nav>.has-menu>button:hover,.nav>a[aria-current="page"]{background:var(--bg)}
.has-menu{position:relative}
.has-menu>button svg{width:12px;height:12px;transition:transform .2s}
.has-menu>button[aria-expanded="true"] svg{transform:rotate(180deg)}
.mega{position:absolute;top:calc(100% + 10px);left:50%;transform:translateX(-50%);width:min(720px,92vw);background:#fff;border:1px solid var(--line);border-radius:12px;box-shadow:0 20px 50px rgba(11,31,58,.14);padding:24px;display:none;grid-template-columns:1fr 1fr;gap:28px}
.mega.open{display:grid}
.mega h4{font-family:var(--sans);font-size:.82rem;color:var(--muted);font-weight:700;margin:0 0 10px}
.mega a{display:block;text-decoration:none;color:var(--ink);padding:9px 10px;margin:0 -10px;border-radius:8px}
.mega a:hover{background:var(--bg)}
.mega a strong{display:block;font-size:.97rem}
.mega a span{display:block;font-size:.85rem;color:var(--muted);line-height:1.4}
.mega .mega-foot{grid-column:1/-1;border-top:1px solid var(--line);padding-top:14px;font-size:.9rem}
.nav>a.header-cta{margin-left:10px;padding:10px 18px;background:var(--teal);color:#fff;border:2px solid var(--teal);border-radius:8px;font-weight:700}
.nav>a.header-cta:hover{background:var(--teal-hover);border-color:var(--teal-hover)}
.menu-toggle{display:none;margin-left:auto;background:none;border:1px solid var(--line);border-radius:8px;padding:9px 12px;font:inherit;font-weight:700;color:var(--ink);cursor:pointer}

/* Sections */
section{padding:88px 0}
.band{background:var(--bg)}
.band-navy{background:var(--navy);color:#DDE5F0}
.band-navy h1,.band-navy h2,.band-navy h3{color:#fff}
.band-navy .lead,.band-navy .muted{color:#B7C4D8}
.section-head{max-width:720px;margin-bottom:44px}
.section-head p{color:var(--muted);font-size:1.1rem}
.band-navy .section-head p{color:#B7C4D8}

/* Hero */
.hero{padding:72px 0 80px;background:linear-gradient(180deg,#fff 0%,var(--bg) 100%)}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:56px;align-items:center}
.hero h1{margin-bottom:20px}
.hero .lead{font-size:1.22rem}
.hero-visual svg{width:100%;height:auto}
.hub-line{stroke:var(--line);stroke-width:1.5}
.hub-pulse{stroke:var(--teal);stroke-width:2.5;stroke-dasharray:14 400;stroke-dashoffset:414;animation:pulse 2.4s ease-out 0.4s 1 forwards}
@keyframes pulse{to{stroke-dashoffset:0;opacity:0}}
.hub-node rect{fill:#fff;stroke:var(--line)}
.hub-node text{font-family:var(--sans);font-size:14px;font-weight:600;fill:var(--ink)}
.hub-core circle.outer{fill:var(--navy)}
.hub-core text{font-family:var(--serif);fill:#fff}
.page-hero{padding:64px 0 56px;background:var(--bg);border-bottom:1px solid var(--line)}
.page-hero .crumb{font-size:.9rem;color:var(--muted);margin-bottom:14px}
.page-hero .crumb a{color:var(--muted)}

/* Stats */
.stats{display:grid;grid-template-columns:repeat(3,1fr);gap:0}
.stat{padding:8px 32px;border-left:1px solid rgba(255,255,255,.18)}
.stat:first-child{border-left:0;padding-left:0}
.stat strong{display:block;font-family:var(--serif);font-size:clamp(2.2rem,4vw,3.1rem);font-weight:600;color:#fff;line-height:1.1}
.stat span{color:#B7C4D8;font-size:.98rem}
.stats-band{padding:56px 0}

/* Problem list */
.problems{display:grid;grid-template-columns:repeat(2,1fr);gap:0 56px}
.problem{padding:22px 0;border-top:1px solid var(--line)}
.problem h3{font-size:1.2rem;margin-bottom:6px}
.problem p{color:var(--muted);margin:0}

/* Tracks */
.tracks{display:grid;grid-template-columns:1.25fr 1fr;gap:24px}
.track{border-radius:14px;padding:36px}
.track.banks{background:var(--navy);color:#DDE5F0}
.track.banks h3,.track.banks a{color:#fff}
.track.biz{background:var(--sand)}
.track h3{font-size:1.6rem;margin-bottom:8px}
.track>p{margin-bottom:22px}
.track.banks>p{color:#B7C4D8}
.track-list{list-style:none;margin:0;padding:0}
.track-list li{border-top:1px solid rgba(255,255,255,.14);padding:16px 0}
.track.biz .track-list li{border-top-color:rgba(11,31,58,.14)}
.track-list a{text-decoration:none;font-weight:700;font-size:1.05rem;display:block}
.track-list a:hover{text-decoration:underline}
.track-list span{display:block;font-size:.93rem;margin-top:2px}
.track.banks .track-list span{color:#B7C4D8}
.track.biz .track-list span{color:var(--muted)}
.track.biz .track-list a{color:var(--ink)}
.track .soon{margin-top:18px;font-size:.92rem}
.track.banks .soon a{color:var(--teal-bright)}

/* Steps (real sequences only) */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:28px;counter-reset:step}
.step{position:relative;padding-top:56px}
.step::before{counter-increment:step;content:counter(step);position:absolute;top:0;left:0;width:40px;height:40px;border-radius:50%;background:var(--teal-soft);color:var(--teal);font-weight:800;display:grid;place-items:center}
.step h3{font-size:1.15rem;margin-bottom:6px}
.step p{color:var(--muted);font-size:.97rem;margin:0}
.band-navy .step::before{background:rgba(60,194,180,.16);color:var(--teal-bright)}
.band-navy .step p{color:#B7C4D8}
.steps.five{grid-template-columns:repeat(5,1fr)}

/* Descriptor strip */
.descriptors{display:flex;flex-wrap:wrap;gap:12px}
.descriptors span{border:1px solid var(--line);border-radius:999px;padding:10px 18px;font-size:.95rem;font-weight:600;background:#fff}

/* Split */
.split{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:start}
.split.wide-left{grid-template-columns:1.3fr 1fr}

/* Feature panel */
.panel{background:#fff;border:1px solid var(--line);border-radius:14px;padding:32px}
.panel.tint{background:var(--teal-soft);border-color:transparent}

/* Checklists */
.checks{list-style:none;padding:0;margin:0}
.checks li{position:relative;padding:10px 0 10px 32px;border-bottom:1px solid var(--line)}
.checks li:last-child{border-bottom:0}
.checks li::before{content:"";position:absolute;left:4px;top:18px;width:14px;height:8px;border-left:2.5px solid var(--teal);border-bottom:2.5px solid var(--teal);transform:rotate(-45deg)}
.band-navy .checks li{border-bottom-color:rgba(255,255,255,.14)}
.band-navy .checks li::before{border-color:var(--teal-bright)}

/* Insights list */
.post-list{display:grid;grid-template-columns:repeat(3,1fr);gap:32px}
.post{border-top:3px solid var(--navy);padding-top:18px}
.post .cat{font-size:.85rem;font-weight:700;color:var(--teal)}
.post h3{font-size:1.25rem;margin:8px 0}
.post h3 a{color:var(--ink);text-decoration:none}
.post h3 a:hover{text-decoration:underline}
.post p{color:var(--muted);font-size:.97rem}

/* Case */
.case{display:grid;grid-template-columns:260px 1fr;gap:40px;padding:40px 0;border-top:1px solid var(--line)}
.case:first-of-type{border-top:0}
.case-meta{font-size:.95rem;color:var(--muted)}
.case-meta strong{display:block;color:var(--ink);font-family:var(--serif);font-size:1.3rem;margin-bottom:8px;line-height:1.25}
.case h4{font-family:var(--sans);font-size:.9rem;font-weight:800;color:var(--teal);margin:18px 0 4px}
.case h4:first-child{margin-top:0}

/* Team */
.team{display:grid;grid-template-columns:repeat(2,1fr);gap:32px}
.team.small{grid-template-columns:repeat(2,1fr)}
.person{display:grid;grid-template-columns:140px 1fr;gap:24px;align-items:start;background:#fff;border:1px solid var(--line);border-radius:14px;padding:28px}
.person img{width:140px;height:140px;border-radius:50%;object-fit:cover}
.team.small .person{grid-template-columns:110px 1fr}
.team.small .person img{width:110px;height:110px}
.person h3{margin-bottom:2px}
.person .role{font-weight:700;color:var(--teal);font-size:.95rem;margin-bottom:2px}
.person .quals{font-size:.9rem;color:var(--muted);margin-bottom:12px}
.person p:last-child{margin:0}

/* FAQ */
.faq details{border-top:1px solid var(--line);padding:4px 0}
.faq details:last-child{border-bottom:1px solid var(--line)}
.faq summary{cursor:pointer;font-weight:700;padding:16px 36px 16px 0;list-style:none;position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:4px;top:12px;font-size:1.5rem;font-weight:400;color:var(--teal)}
.faq details[open] summary::after{content:"–"}
.faq details p{color:var(--muted);padding-bottom:12px}

/* CTA band */
.cta-band{background:var(--navy);color:#DDE5F0;padding:80px 0}
.cta-band h2{color:#fff;max-width:700px}
.cta-band p{color:#B7C4D8;max-width:620px}

/* Forms */
.form{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.form .full{grid-column:1/-1}
.form label{display:block;font-weight:700;font-size:.92rem;margin-bottom:6px}
.form input,.form select,.form textarea{width:100%;padding:12px 14px;border:1px solid #BCC6D3;border-radius:8px;font:inherit;font-size:1rem;background:#fff;color:var(--ink)}
.form textarea{min-height:120px;resize:vertical}
.form input:focus,.form select:focus,.form textarea:focus{outline:none;border-color:var(--teal);box-shadow:0 0 0 3px rgba(11,111,104,.18)}
.consent{display:flex;gap:10px;align-items:flex-start;font-size:.9rem;color:var(--muted)}
.consent input{width:auto;margin-top:5px}
.hidden{display:none!important}

/* Tools */
.tool{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:start}
.tool .form{grid-template-columns:1fr 1fr}
.result{background:var(--navy);color:#DDE5F0;border-radius:14px;padding:32px;position:sticky;top:100px}
.result h3{color:#fff}
.result dl{margin:0}
.result .row{display:flex;justify-content:space-between;gap:16px;padding:12px 0;border-bottom:1px solid rgba(255,255,255,.14)}
.result dt{color:#B7C4D8}
.result dd{margin:0;font-weight:700;color:#fff;text-align:right}
.result .big{font-family:var(--serif);font-size:2.4rem;color:#fff;line-height:1.1;margin:6px 0 4px}
.result .note{font-size:.85rem;color:#9FB0C8;margin-top:16px}
.pos{color:var(--teal-bright)!important}
.neg{color:#FF9C8A!important}
.quiz-q{padding:22px 0;border-top:1px solid var(--line)}
.quiz-q legend{font-weight:700;font-size:1.05rem;margin-bottom:12px;padding:0}
.quiz-q fieldset{border:0;margin:0;padding:0}
.quiz-q label{display:flex;gap:10px;align-items:flex-start;padding:10px 14px;border:1px solid var(--line);border-radius:8px;margin-bottom:8px;cursor:pointer;background:#fff}
.quiz-q label:hover{border-color:var(--teal)}
.quiz-q input{margin-top:5px}
.level-scale{display:grid;grid-template-columns:repeat(4,1fr);gap:6px;margin:14px 0}
.level-scale div{height:8px;border-radius:4px;background:rgba(255,255,255,.18)}
.level-scale div.on{background:var(--teal-bright)}

/* Article */
.article{max-width:720px}
.article p,.article li{font-size:1.08rem}
.article h2{font-size:1.6rem;margin-top:1.6em}
.article-meta{color:var(--muted);font-size:.95rem;margin-bottom:24px}

/* Offices */
.offices{display:grid;grid-template-columns:repeat(2,1fr);gap:20px}
.office{border-top:3px solid var(--teal);padding-top:14px}
.office h3{font-size:1.15rem;margin-bottom:4px}
.office p{color:var(--muted);font-size:.97rem;margin:0}

/* Roadmap */
.roadmap{display:grid;grid-template-columns:repeat(2,1fr);gap:0 48px}
.roadmap div{padding:22px 0;border-top:1px solid var(--line)}
.roadmap h3{font-size:1.15rem;margin-bottom:6px}
.roadmap p{color:var(--muted);margin:0;font-size:.97rem}

/* Legal */
.legal h2{font-size:1.4rem;margin-top:1.6em}
.legal p,.legal li{color:#2B3950}

/* Footer */
.site-footer{background:#07152A;color:#9FB0C8;padding:64px 0 32px;font-size:.94rem}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:40px}
.site-footer h4{font-family:var(--sans);color:#fff;font-size:.95rem;font-weight:700;margin-bottom:14px}
.site-footer a{color:#C9D5E6;text-decoration:none}
.site-footer a:hover{color:#fff;text-decoration:underline}
.site-footer ul{list-style:none;margin:0;padding:0}
.site-footer li{margin-bottom:8px}
.site-footer .logo{color:#fff;margin-bottom:14px}
.site-footer .logo-text small{color:#9FB0C8}
.footer-base{border-top:1px solid rgba(255,255,255,.1);margin-top:48px;padding-top:24px;display:flex;flex-wrap:wrap;gap:12px 24px;justify-content:space-between;font-size:.86rem}

/* WhatsApp */
.wa{position:fixed;right:20px;bottom:20px;z-index:40;width:56px;height:56px;border-radius:50%;background:#1F9D55;display:grid;place-items:center;box-shadow:0 8px 24px rgba(0,0,0,.2)}
.wa svg{width:30px;height:30px;fill:#fff}
.wa:hover{background:#178246}

/* Cookie banner */
.cookie{position:fixed;left:20px;right:20px;bottom:20px;z-index:60;max-width:560px;background:#fff;border:1px solid var(--line);border-radius:12px;box-shadow:0 20px 50px rgba(11,31,58,.2);padding:22px}
.cookie p{font-size:.93rem;color:var(--muted);margin-bottom:14px}
.cookie .btn{padding:10px 16px;font-size:.9rem}
.cookie-actions{display:flex;flex-wrap:wrap;gap:10px}

/* Responsive */
@media (max-width:1240px){
  .nav{display:none;position:absolute;top:76px;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);flex-direction:column;align-items:stretch;padding:12px 24px 24px;gap:0;max-height:calc(100vh - 76px);overflow:auto}
  .nav.open{display:flex}
  .nav>a,.nav>.has-menu>button{padding:14px 0;width:100%;justify-content:space-between;border-bottom:1px solid var(--line);border-radius:0}
  .mega{position:static;transform:none;width:auto;box-shadow:none;border:0;padding:8px 0 16px;grid-template-columns:1fr;gap:16px}
  .nav>a.header-cta{margin:16px 0 0;justify-content:center;border-bottom:2px solid var(--teal)}
  .menu-toggle{display:block}
}
@media (max-width:1020px){
  .hero-grid,.split,.split.wide-left,.tool,.tracks{grid-template-columns:1fr}
  .hero-visual{max-width:520px}
  .steps,.steps.five{grid-template-columns:repeat(2,1fr)}
  .post-list{grid-template-columns:1fr 1fr}
  .footer-grid{grid-template-columns:1fr 1fr}
  .result{position:static}
}
@media (max-width:680px){
  body{font-size:16px}
  section{padding:64px 0}
  .wrap{padding:0 18px}
  .stats{grid-template-columns:1fr;gap:24px}
  .stat{border-left:0;padding:0;border-top:1px solid rgba(255,255,255,.18);padding-top:18px}
  .stat:first-child{border-top:0;padding-top:0}
  .problems,.roadmap,.offices,.team,.team.small,.post-list,.form,.tool .form{grid-template-columns:1fr}
  .steps,.steps.five{grid-template-columns:1fr}
  .person,.team.small .person{grid-template-columns:1fr}
  .case{grid-template-columns:1fr;gap:16px}
  .footer-grid{grid-template-columns:1fr}
  .track{padding:28px 22px}
  .logo-text small{display:none}
}
@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  *{animation:none!important;transition:none!important}
  .hub-pulse{display:none}
}