:root {
  --navy: #08243d;
  --deep: #0e3558;
  --blue: #0967d2;
  --cyan: #10b7d9;
  --mint: #35d0a5;
  --gold: #ffbd4a;
  --ink: #0b1726;
  --muted: #637589;
  --line: rgba(10, 36, 64, 0.12);
  --soft: #f4f9fc;
  --white: #ffffff;
  --shadow: 0 24px 80px rgba(4, 29, 54, 0.16);
  --radius-xl: 34px;
  --radius-lg: 24px;
  --radius-md: 16px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", Arial, sans-serif;
  color: var(--ink);
  background: #f7fbff;
  line-height: 1.65;
}
a { color: inherit; text-decoration: none; }
img { display: block; max-width: 100%; }
svg { display: block; }
.container { width: min(1160px, calc(100% - 40px)); margin: 0 auto; }

.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(247, 251, 255, 0.86);
  backdrop-filter: blur(18px);
  border-bottom: 1px solid rgba(8, 36, 61, 0.08);
}
.nav-shell {
  width: min(1200px, calc(100% - 36px));
  margin: 0 auto;
  height: 84px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}
.brand { display: inline-flex; align-items: center; gap: 12px; font-weight: 900; letter-spacing: -0.04em; }
.brand-mark {
  width: 44px;
  height: 44px;
  border-radius: 16px;
  display: grid;
  place-items: center;
  color: white;
  background: linear-gradient(135deg, var(--blue), var(--cyan) 55%, var(--mint));
  box-shadow: 0 16px 36px rgba(9, 103, 210, 0.28);
}
.brand-mark svg { width: 29px; height: 29px; fill: currentColor; }
.brand-text { font-size: 1.42rem; color: var(--navy); }
.nav-links { display: flex; align-items: center; gap: 6px; color: #264a68; font-weight: 800; font-size: 0.95rem; }
.nav-links a { padding: 12px 16px; border-radius: 999px; }
.nav-links a:hover { background: rgba(9, 103, 210, 0.08); color: var(--blue); }
.nav-cta { color: white !important; background: linear-gradient(135deg, #08243d, #0d4270); box-shadow: 0 16px 36px rgba(8,36,61,.22); padding-inline: 28px !important; }
.nav-cta:hover { background: var(--blue) !important; }
.nav-toggle, .hamburger { display: none; }

.hero-section {
  position: relative;
  overflow: hidden;
  padding: 72px 0 56px;
  background: radial-gradient(circle at top left, rgba(16,183,217,.2), transparent 34%), linear-gradient(180deg, #f7fbff 0%, #edf7ff 100%);
}
.hero-bg::before,
.hero-bg::after {
  content: "";
  position: absolute;
  border-radius: 999px;
  filter: blur(4px);
  pointer-events: none;
}
.hero-bg::before { width: 520px; height: 520px; right: -160px; top: 20px; background: rgba(53, 208, 165, .24); }
.hero-bg::after { width: 420px; height: 420px; left: -140px; bottom: -160px; background: rgba(9,103,210,.12); }
.hero-grid { position: relative; display: grid; grid-template-columns: .96fr 1.04fr; gap: 56px; align-items: center; }
.eyebrow, .section-kicker {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  color: var(--blue);
  font-weight: 900;
  text-transform: uppercase;
  letter-spacing: .12em;
  font-size: .76rem;
}
.eyebrow span { width: 34px; height: 3px; border-radius: 999px; background: linear-gradient(90deg, var(--blue), var(--mint)); }
.hero-copy h1 {
  margin: 18px 0 18px;
  font-size: clamp(3rem, 5.8vw, 5.6rem);
  line-height: .94;
  letter-spacing: -.085em;
  color: var(--navy);
  max-width: 660px;
}
.hero-lead { max-width: 650px; margin: 0; color: #41576c; font-size: 1.08rem; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 14px; margin: 34px 0 22px; }
.hero-points {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 14px;
  margin: 0 0 22px;
}
.hero-points div {
  padding: 16px 16px 14px;
  border-radius: 22px;
  background: rgba(255,255,255,.74);
  border: 1px solid rgba(8,36,61,.08);
  box-shadow: 0 14px 34px rgba(8,36,61,.06);
}
.hero-points strong {
  display: block;
  color: var(--navy);
  font-size: .98rem;
  line-height: 1.2;
  margin-bottom: 6px;
}
.hero-points span {
  display: block;
  color: var(--muted);
  font-size: .84rem;
  line-height: 1.45;
}
.btn {
  min-height: 52px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border-radius: 999px;
  padding: 0 22px;
  font-weight: 900;
  transition: transform .2s ease, box-shadow .2s ease, background .2s ease;
}
.btn:hover { transform: translateY(-2px); }
.btn.primary { color: white; background: linear-gradient(135deg, var(--blue), var(--cyan)); box-shadow: 0 18px 40px rgba(9, 103, 210, .24); }
.btn.secondary { color: var(--deep); background: white; border: 1px solid rgba(9,103,210,.16); }
.btn.full { width: 100%; }
.hero-note { display: flex; align-items: center; gap: 10px; color: #49677f; font-weight: 700; font-size: .95rem; }
.hero-note svg { width: 22px; height: 22px; fill: var(--mint); flex: 0 0 auto; }

.hero-copy { position: relative; z-index: 2; }
.hero-visual {
  position: relative;
  min-height: 700px;
  display: grid;
  grid-template-columns: minmax(290px, 1fr) minmax(300px, 330px);
  align-items: end;
  column-gap: 30px;
  padding: 30px 8px 24px 18px;
}
.hero-visual::before {
  content: "";
  position: absolute;
  inset: 78px 0 28px 24px;
  border-radius: 42px;
  background: linear-gradient(135deg, rgba(255,255,255,.76), rgba(255,255,255,.34));
  border: 1px solid rgba(255,255,255,.72);
  box-shadow: 0 28px 70px rgba(8, 36, 61, .08);
}
.photo-orbit {
  position: relative;
  inset: auto;
  width: 100%;
  max-width: 400px;
  height: 590px;
  justify-self: start;
  align-self: center;
  border-radius: 42px;
  overflow: hidden;
  box-shadow: var(--shadow);
  border: 10px solid rgba(255,255,255,.84);
  z-index: 1;
}
.photo-orbit::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg, transparent 54%, rgba(5, 31, 54, .28));
}
.photo-orbit img { width: 100%; height: 100%; object-fit: cover; object-position: center top; }
.visual-caption {
  position: absolute;
  left: 32px;
  top: 106px;
  max-width: 250px;
  padding: 18px 20px;
  border-radius: 24px;
  background: rgba(255,255,255,.84);
  backdrop-filter: blur(16px);
  border: 1px solid rgba(255,255,255,.82);
  box-shadow: 0 18px 40px rgba(8,36,61,.08);
  z-index: 4;
}
.visual-caption span {
  display: inline-block;
  color: var(--blue);
  font-size: .75rem;
  font-weight: 900;
  text-transform: uppercase;
  letter-spacing: .12em;
  margin-bottom: 8px;
}
.visual-caption strong {
  display: block;
  color: var(--navy);
  font-size: 1rem;
  line-height: 1.35;
}
.phone-card {
  position: relative;
  right: auto;
  top: auto;
  width: 100%;
  min-height: 548px;
  border-radius: 38px;
  background: linear-gradient(180deg, #ffffff, #f3fbff);
  padding: 18px;
  box-shadow: 0 30px 70px rgba(4, 29, 54, .24);
  border: 1px solid rgba(255,255,255,.74);
  z-index: 3;
}
.phone-top { height: 28px; display: flex; align-items: center; justify-content: center; gap: 5px; }
.phone-top span:first-child { width: 54px; height: 5px; border-radius: 10px; background: #dbe7f0; }
.phone-top span:last-child { width: 6px; height: 6px; border-radius: 50%; background: #dbe7f0; }
.app-mini-head { margin-top: 14px; border-radius: 26px; padding: 20px; color: white; background: linear-gradient(135deg, var(--navy), var(--blue)); display: flex; align-items: flex-start; justify-content: space-between; gap: 12px; }
.app-mini-head small { display: block; opacity: .72; font-weight: 700; }
.app-mini-head strong { display: block; font-size: 2rem; letter-spacing: -.06em; margin-top: 4px; }
.status-pill { padding: 5px 10px; border-radius: 999px; background: rgba(255,255,255,.16); font-size: .76rem; font-weight: 900; }
.amount-wave { margin: -2px 0 12px; height: 108px; border-radius: 0 0 26px 26px; overflow: hidden; background: #e9f9ff; }
.amount-wave svg { width: 100%; height: 100%; }
.amount-wave path:first-child { fill: rgba(16,183,217,.4); }
.amount-wave path:last-child { fill: rgba(53,208,165,.42); }
.loan-panel { display: grid; gap: 10px; margin: 16px 0; }
.loan-panel div { display: flex; align-items: center; justify-content: space-between; padding: 13px 14px; border-radius: 16px; background: white; border: 1px solid rgba(8,36,61,.08); }
.loan-panel span { color: var(--muted); font-size: .8rem; font-weight: 800; }
.loan-panel b { color: var(--navy); font-size: .88rem; }
.phone-card button { width: 100%; height: 48px; border: 0; border-radius: 18px; color: white; background: var(--navy); font-weight: 900; }
.floating-proof { position: absolute; display: flex; align-items: center; gap: 10px; padding: 13px 16px; border-radius: 999px; background: rgba(255,255,255,.88); box-shadow: 0 18px 50px rgba(4, 29, 54, .16); border: 1px solid rgba(255,255,255,.8); color: var(--deep); font-weight: 900; font-size: .88rem; backdrop-filter: blur(12px); }
.floating-proof svg { width: 20px; height: 20px; fill: var(--blue); }
.proof-one { left: -2px; bottom: 24px; z-index: 4; }
.proof-two { right: 4px; top: 26px; z-index: 5; }

.trust-bar { background: var(--navy); color: white; }
.trust-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1px; background: rgba(255,255,255,.08); }
.trust-grid div { padding: 26px 30px; background: rgba(255,255,255,.02); }
.trust-grid strong { display: block; font-size: 1.06rem; }
.trust-grid span { display: block; opacity: .72; font-size: .92rem; margin-top: 2px; }

.intro-band {
  margin-top: 84px;
  display: grid;
  grid-template-columns: 1.05fr .95fr;
  gap: 54px;
  align-items: center;
  padding: 54px;
  border-radius: var(--radius-xl);
  background: white;
  box-shadow: 0 20px 70px rgba(8, 36, 61, .08);
  border: 1px solid rgba(8,36,61,.08);
}
.intro-copy h2, .section-head h2, .people-copy h2, .security-copy h2, .faq-grid h2 {
  margin: 12px 0 14px;
  color: var(--navy);
  font-size: clamp(2rem, 4vw, 3.2rem);
  line-height: 1.05;
  letter-spacing: -.06em;
}
.intro-copy p, .section-head p, .people-copy p, .security-copy p { color: var(--muted); margin: 0; }
.feature-ribbons { display: grid; gap: 18px; }
.ribbon { min-height: 84px; display: flex; align-items: center; gap: 18px; padding: 18px 22px; border-radius: 26px; color: var(--navy); font-weight: 900; position: relative; overflow: hidden; }
.ribbon::after { content: ""; position: absolute; width: 110px; height: 110px; right: -38px; bottom: -48px; border-radius: 50%; background: rgba(255,255,255,.38); }
.ribbon svg { width: 38px; height: 38px; fill: currentColor; flex: 0 0 auto; }
.ribbon-a { background: linear-gradient(135deg, #dff5ff, #eafcff); }
.ribbon-b { background: linear-gradient(135deg, #fff4d9, #fff9ee); transform: translateX(30px); }
.ribbon-c { background: linear-gradient(135deg, #e4fff5, #f2fffb); }

.steps-section { padding: 92px 0; }
.section-head.center { text-align: center; max-width: 760px; margin: 0 auto 44px; }
.timeline { position: relative; display: grid; grid-template-columns: repeat(4, 1fr); gap: 22px; }
.timeline::before { content: ""; position: absolute; top: 68px; left: 9%; right: 9%; height: 3px; background: linear-gradient(90deg, var(--blue), var(--cyan), var(--mint)); opacity: .35; }
.step-item { position: relative; padding: 24px 18px 18px; text-align: center; }
.step-number { display: inline-flex; align-items: center; justify-content: center; width: 44px; height: 44px; border-radius: 16px; color: white; background: var(--navy); font-weight: 900; box-shadow: 0 14px 30px rgba(8,36,61,.18); }
.step-item svg { width: 54px; height: 54px; margin: 22px auto 14px; fill: var(--blue); }
.step-item h3 { margin: 0 0 8px; color: var(--navy); letter-spacing: -.02em; }
.step-item p { margin: 0; color: var(--muted); font-size: .95rem; }

.people-section { padding: 74px 0; background: linear-gradient(135deg, var(--navy), #0c426a); color: white; overflow: hidden; }
.people-grid { display: grid; grid-template-columns: .95fr 1.05fr; gap: 64px; align-items: center; }
.people-photo { position: relative; border-radius: 40px; overflow: hidden; min-height: 520px; box-shadow: 0 32px 80px rgba(0,0,0,.28); }
.people-photo img { width: 100%; height: 100%; min-height: 520px; object-fit: cover; }
.people-photo::after { content: ""; position: absolute; inset: 0; background: linear-gradient(180deg, rgba(8,36,61,0) 45%, rgba(8,36,61,.78)); }
.photo-badge { position: absolute; left: 26px; right: 26px; bottom: 26px; z-index: 1; padding: 20px; border-radius: 24px; background: rgba(255,255,255,.16); backdrop-filter: blur(18px); border: 1px solid rgba(255,255,255,.22); }
.photo-badge strong { display: block; font-size: 1.14rem; }
.photo-badge span { display: block; opacity: .76; }
.people-copy .section-kicker { color: #77e4ff; }
.people-copy h2 { color: white; }
.people-copy p { color: rgba(255,255,255,.74); font-size: 1.05rem; }
.quote-box { margin-top: 34px; padding: 26px; border-radius: 28px; background: rgba(255,255,255,.1); border: 1px solid rgba(255,255,255,.16); }
.quote-box svg { width: 36px; height: 36px; fill: var(--gold); margin-bottom: 12px; }
.quote-box p { margin: 0; color: white; font-weight: 900; font-size: 1.18rem; }

.rates-section { padding: 94px 0; background: radial-gradient(circle at bottom right, rgba(16,183,217,.16), transparent 30%); }
.rates-grid { display: grid; grid-template-columns: 1fr 430px; gap: 70px; align-items: center; }
.rates-board { padding: 28px; border-radius: 34px; background: white; box-shadow: var(--shadow); border: 1px solid rgba(8,36,61,.08); }
.rate-main { padding: 28px; color: white; border-radius: 26px; background: linear-gradient(135deg, var(--blue), var(--cyan)); position: relative; overflow: hidden; }
.rate-main::after { content: ""; position: absolute; width: 180px; height: 180px; border-radius: 50%; background: rgba(255,255,255,.16); right: -70px; top: -70px; }
.rate-main span { display: block; opacity: .76; font-weight: 800; }
.rate-main strong { display: block; font-size: 3.3rem; line-height: 1; letter-spacing: -.06em; margin: 10px 0; }
.rate-main p { margin: 0; opacity: .88; }
.rate-lines { display: grid; gap: 12px; margin: 20px 0; }
.rate-lines div { display: flex; justify-content: space-between; gap: 20px; padding-bottom: 12px; border-bottom: 1px solid var(--line); }
.rate-lines span { color: var(--muted); }
.rate-lines b { color: var(--navy); }
.rates-board small { display: block; color: var(--muted); margin-top: 16px; text-align: center; }

.security-section { padding: 0 0 92px; }
.security-shell { display: grid; grid-template-columns: .9fr 1.1fr; gap: 50px; align-items: stretch; padding: 52px; border-radius: 38px; background: linear-gradient(135deg, #eef8ff, #ffffff); border: 1px solid rgba(8,36,61,.08); }
.security-list { display: grid; gap: 14px; }
.security-list div { display: flex; align-items: center; gap: 18px; padding: 22px; border-radius: 24px; background: white; box-shadow: 0 14px 40px rgba(8,36,61,.08); color: var(--navy); font-weight: 900; }
.security-list svg { width: 38px; height: 38px; fill: var(--blue); flex: 0 0 auto; }

.faq-section { padding: 0 0 92px; }
.faq-grid { display: grid; grid-template-columns: .65fr 1.35fr; gap: 60px; }
.faq-list { display: grid; gap: 14px; }
details { border-radius: 22px; background: white; border: 1px solid rgba(8,36,61,.09); box-shadow: 0 10px 32px rgba(8,36,61,.06); overflow: hidden; }
summary { cursor: pointer; padding: 20px 24px; font-weight: 900; color: var(--navy); }
details p { margin: 0; padding: 0 24px 22px; color: var(--muted); }

.site-footer { background: #061b2e; color: white; padding: 54px 0 26px; }
.footer-grid { display: grid; grid-template-columns: 1.1fr .5fr .9fr; gap: 44px; align-items: start; }
.footer-brand .brand-text { color: white; }
.site-footer p { color: rgba(255,255,255,.68); margin: 18px 0 0; }
.footer-links { display: grid; gap: 12px; font-weight: 800; color: rgba(255,255,255,.76); }
.footer-disclaimer { padding: 22px; border-radius: 24px; background: rgba(255,255,255,.08); border: 1px solid rgba(255,255,255,.12); }
.footer-disclaimer strong { display: block; }
.footer-disclaimer p { margin-top: 8px; }
.copyright { margin-top: 36px; padding-top: 22px; border-top: 1px solid rgba(255,255,255,.1); color: rgba(255,255,255,.5); font-size: .9rem; }

.footer-topband {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 26px;
  padding: 34px 36px;
  margin-bottom: 24px;
  border-radius: 32px;
  background: linear-gradient(135deg, rgba(10, 50, 83, .95), rgba(8, 36, 61, .8));
  border: 1px solid rgba(255,255,255,.08);
}
.footer-kicker { color: #83deff; }
.footer-topcopy h2 {
  margin: 10px 0 10px;
  font-size: clamp(1.9rem, 4vw, 2.8rem);
  line-height: 1.05;
  letter-spacing: -.05em;
  color: white;
}
.footer-topcopy p {
  margin: 0;
  max-width: 780px;
  color: rgba(255,255,255,.72);
}
.footer-topcta { flex: 0 0 auto; }
.footer-contact-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 18px;
  margin-bottom: 24px;
}
.contact-card {
  display: flex;
  align-items: flex-start;
  gap: 16px;
  padding: 24px;
  border-radius: 28px;
  background: rgba(255,255,255,.06);
  border: 1px solid rgba(255,255,255,.1);
  box-shadow: inset 0 1px 0 rgba(255,255,255,.04);
}
.contact-icon {
  width: 52px;
  height: 52px;
  flex: 0 0 auto;
  border-radius: 16px;
  display: grid;
  place-items: center;
  background: linear-gradient(135deg, rgba(16,183,217,.2), rgba(53,208,165,.16));
}
.contact-icon svg { width: 28px; height: 28px; fill: #7fd8ff; }
.contact-card strong {
  display: block;
  font-size: 1.04rem;
  margin-bottom: 8px;
}
.contact-card p {
  margin: 0 0 10px;
}
.contact-card ul {
  margin: 0;
  padding-left: 18px;
  color: rgba(255,255,255,.75);
}
.contact-card li + li { margin-top: 5px; }
.contact-card a { color: #8ee7ff; }
.footer-grid.enhanced {
  grid-template-columns: 1.05fr .55fr .8fr .95fr;
  gap: 22px;
}
.footer-disclosure-box {
  padding: 22px;
  border-radius: 24px;
  background: rgba(255,255,255,.06);
  border: 1px solid rgba(255,255,255,.1);
}
.footer-disclosure-box strong { display: block; margin-bottom: 8px; }
.footer-disclosure-box p { margin: 0; }




@media (max-width: 1280px) and (min-width: 981px) {
  .container { width: min(1160px, calc(100% - 56px)); }
  .hero-grid { grid-template-columns: .98fr 1.02fr; gap: 38px; }
  .hero-copy h1 { font-size: clamp(3rem, 4.6vw, 4.7rem); }
  .hero-points { grid-template-columns: 1fr; gap: 10px; }
  .hero-visual {
    min-height: 660px;
    grid-template-columns: minmax(220px, 1fr) minmax(250px, 300px);
    column-gap: 18px;
    padding-left: 12px;
    padding-right: 4px;
  }
  .hero-visual::before { inset: 82px 0 28px 18px; }
  .photo-orbit {
    max-width: 320px;
    height: 520px;
  }
  .phone-card {
    min-height: 520px;
  }
  .visual-caption { left: 20px; top: 96px; max-width: 210px; padding: 16px 18px; }
  .floating-proof {
    max-width: 280px;
    white-space: nowrap;
    transform: scale(.96);
  }
  .proof-one {
    left: -6px;
    bottom: 10px;
    transform-origin: left bottom;
  }
  .proof-two {
    right: 0;
    top: 44px;
    transform-origin: right top;
  }
}

@media (max-width: 980px) {
  .nav-shell { height: 68px; }
  .hamburger { display: grid; gap: 5px; cursor: pointer; }
  .hamburger span { width: 26px; height: 2px; background: var(--navy); border-radius: 999px; }
  .nav-links {
    position: absolute;
    left: 18px;
    right: 18px;
    top: 76px;
    display: grid;
    padding: 16px;
    border-radius: 24px;
    background: white;
    box-shadow: var(--shadow);
    opacity: 0;
    pointer-events: none;
    transform: translateY(-8px);
    transition: .2s ease;
  }
  .nav-toggle:checked ~ .nav-links { opacity: 1; pointer-events: auto; transform: translateY(0); }
  .hero-grid, .intro-band, .people-grid, .rates-grid, .security-shell, .faq-grid, .footer-grid, .footer-contact-grid { grid-template-columns: 1fr; }
  .hero-points { grid-template-columns: 1fr; }
  .footer-topband { flex-direction: column; align-items: flex-start; padding: 26px; }
  .footer-grid.enhanced { grid-template-columns: 1fr 1fr; }
  .hero-section { padding-top: 48px; }
  .hero-visual { display: block; min-height: 600px; padding: 0; }
  .hero-visual::before { display: none; }
  .visual-caption { display: none; }
  .photo-orbit { position: absolute; inset: 28px auto auto 8px; width: min(74vw, 420px); max-width: none; height: 500px; border-radius: 46% 54% 60% 40% / 42% 40% 60% 58%; }
  .phone-card { position: absolute; width: 286px; right: 0; top: 118px; min-height: 520px; }
  .trust-grid { grid-template-columns: 1fr; }
  .intro-band { padding: 34px; }
  .ribbon-b { transform: none; }
  .timeline { grid-template-columns: repeat(2, 1fr); }
  .timeline::before { display: none; }
  .people-photo, .people-photo img { min-height: 430px; }
}

@media (max-width: 620px) {
  .container { width: min(100% - 28px, 1160px); }
  .brand-mark { width: 40px; height: 40px; border-radius: 14px; }
  .brand-text { font-size: 1.25rem; }
  .hero-copy h1 { font-size: clamp(2.42rem, 15vw, 4.1rem); }
  .hero-lead { font-size: 1rem; }
  .hero-actions .btn { width: 100%; }
  .hero-points div { padding: 14px 15px; border-radius: 18px; }
  .hero-visual { display: block; min-height: 660px; padding: 0; }
  .photo-orbit { position: absolute; inset: 20px auto auto 0; width: 100%; max-width: none; height: 455px; border-width: 7px; border-radius: 34px; }
  .phone-card { position: absolute; width: calc(100% - 58px); right: 16px; top: 285px; min-height: 520px; border-radius: 32px; }
  .floating-proof { font-size: .78rem; padding: 10px 12px; }
  .proof-one { left: 10px; top: 248px; bottom: auto; }
  .proof-two { right: 8px; top: 24px; }
  .intro-band { margin-top: 54px; padding: 24px; border-radius: 28px; }
  .intro-copy h2, .section-head h2, .people-copy h2, .security-copy h2, .faq-grid h2 { font-size: 2.05rem; }
  .steps-section, .rates-section { padding: 64px 0; }
  .timeline { grid-template-columns: 1fr; gap: 10px; }
  .step-item { text-align: left; display: grid; grid-template-columns: 48px 1fr; column-gap: 16px; padding: 18px 8px; }
  .step-item svg { margin: 0; grid-row: span 2; width: 44px; height: 44px; }
  .step-number { grid-column: 1; grid-row: 1; width: 38px; height: 38px; font-size: .8rem; display: none; }
  .step-item h3, .step-item p { grid-column: 2; }
  .people-section { padding: 56px 0; }
  .people-grid { gap: 30px; }
  .people-photo, .people-photo img { min-height: 360px; border-radius: 28px; }
  .photo-badge { left: 16px; right: 16px; bottom: 16px; }
  .rates-board { padding: 18px; border-radius: 28px; }
  .rate-main strong { font-size: 2.6rem; }
  .rate-lines div { align-items: flex-start; flex-direction: column; gap: 4px; }
  .security-shell { padding: 24px; border-radius: 28px; }
  .security-list div { padding: 18px; align-items: flex-start; }
  .faq-grid { gap: 24px; }
  summary { padding: 18px; }
  details p { padding: 0 18px 18px; }
  .footer-grid { gap: 28px; }
  .footer-topband { padding: 22px 18px; border-radius: 24px; }
  .footer-topcopy h2 { font-size: 2rem; }
  .footer-contact-grid { gap: 14px; }
  .contact-card { padding: 18px; border-radius: 22px; }
  .footer-grid.enhanced { grid-template-columns: 1fr; }
}


.inner-hero {
  padding: 72px 0 34px;
  background: linear-gradient(180deg, #f7fbff 0%, #edf7ff 100%);
}
.inner-hero-grid {
  display: grid;
  grid-template-columns: .9fr 1.1fr;
  gap: 44px;
  align-items: center;
}
.inner-hero-copy h1 {
  margin: 14px 0 14px;
  color: var(--navy);
  font-size: clamp(2.6rem, 5vw, 4.5rem);
  line-height: .96;
  letter-spacing: -.07em;
}
.inner-hero-copy p {
  margin: 0;
  color: var(--muted);
  font-size: 1.05rem;
}
.inner-hero-photo {
  border-radius: 34px;
  overflow: hidden;
  box-shadow: var(--shadow);
  border: 1px solid rgba(8,36,61,.08);
  background: white;
}
.inner-hero-photo img { width: 100%; height: 100%; max-height: 520px; object-fit: cover; }
.page-section { padding: 42px 0 84px; }
.content-grid {
  display: grid;
  grid-template-columns: .78fr 1.22fr;
  gap: 34px;
  align-items: start;
}
.side-card,
.policy-card,
.terms-card,
.about-card {
  background: white;
  border-radius: 28px;
  border: 1px solid rgba(8,36,61,.08);
  box-shadow: 0 16px 48px rgba(8,36,61,.07);
}
.side-card { padding: 24px; position: sticky; top: 100px; }
.side-card h3 { margin: 0 0 12px; color: var(--navy); }
.side-card a { display: block; padding: 10px 0; color: var(--deep); font-weight: 800; }
.about-stack,
.policy-stack,
.terms-stack { display: grid; gap: 18px; }
.about-card,
.policy-card,
.terms-card { padding: 28px; }
.about-card h2,
.policy-card h2,
.terms-card h2 { margin: 0 0 12px; color: var(--navy); font-size: 1.4rem; }
.about-card p,
.policy-card p,
.terms-card p,
.about-card li,
.policy-card li,
.terms-card li { color: var(--muted); }
.about-card ul,
.policy-card ul,
.terms-card ul { margin: 12px 0 0; padding-left: 20px; }
.stats-strip {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
  margin-top: 26px;
}
.stats-strip div {
  padding: 18px;
  border-radius: 20px;
  background: rgba(255,255,255,.8);
  border: 1px solid rgba(8,36,61,.08);
}
.stats-strip strong { display: block; color: var(--navy); font-size: 1.4rem; }
.stats-strip span { display: block; color: var(--muted); font-size: .88rem; margin-top: 6px; }
.notice-band {
  margin-top: 20px;
  padding: 18px 20px;
  border-radius: 22px;
  background: linear-gradient(135deg, #eef8ff, #f8fcff);
  border: 1px solid rgba(8,36,61,.08);
  color: var(--deep);
  font-weight: 700;
}
.legal-meta {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin: 18px 0 0;
}
.legal-meta span {
  padding: 10px 14px;
  border-radius: 999px;
  background: rgba(255,255,255,.8);
  border: 1px solid rgba(8,36,61,.08);
  color: var(--deep);
  font-weight: 800;
  font-size: .88rem;
}
@media (max-width: 980px) {
  .inner-hero-grid, .content-grid, .stats-strip { grid-template-columns: 1fr; }
  .side-card { position: static; }
}