:root {
  --navy-950: #061322;
  --navy-900: #0a1c31;
  --navy-800: #123253;
  --blue-700: #0f5fa8;
  --blue-600: #1574c7;
  --teal-500: #10b9b7;
  --teal-400: #35d3cf;
  --red-500: #ef3340;
  --ink: #112033;
  --muted: #5f6f80;
  --line: #dfe7ed;
  --surface: #f4f8fa;
  --white: #ffffff;
  --success: #107c55;
  --danger: #b4232f;
  --shadow-sm: 0 12px 30px rgba(6, 19, 34, .08);
  --shadow-lg: 0 32px 80px rgba(6, 19, 34, .2);
  --radius-sm: 12px;
  --radius: 22px;
  --radius-lg: 36px;
  --container: 1180px;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: 96px; }
body {
  margin: 0;
  color: var(--ink);
  background: var(--white);
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  font-size: 17px;
  line-height: 1.65;
  text-rendering: optimizeLegibility;
  -webkit-font-smoothing: antialiased;
}
body.menu-open { overflow: hidden; }
img { display: block; max-width: 100%; }
a { color: inherit; text-decoration: none; }
button, input, select, textarea { font: inherit; }
button { cursor: pointer; }
::selection { color: var(--navy-950); background: var(--teal-400); }

.skip-link {
  position: fixed; left: 16px; top: -80px; z-index: 999;
  color: var(--navy-950); background: var(--white); padding: 12px 16px;
  border-radius: 10px; box-shadow: var(--shadow-sm); font-weight: 800;
}
.skip-link:focus { top: 16px; }
.container { width: min(calc(100% - 40px), var(--container)); margin-inline: auto; }
.narrow { width: min(calc(100% - 40px), 820px); margin-inline: auto; }
.section { padding: 92px 0; position: relative; }
.section-sm { padding: 66px 0; }
.section-compact { padding: 78px 0; }
.section-light { background: var(--surface); }
.section-dark { color: var(--white); background: var(--navy-950); overflow: hidden; }
.section-dark::before {
  content: ""; position: absolute; width: 520px; height: 520px; border-radius: 50%;
  left: -250px; bottom: -330px; background: rgba(16, 185, 183, .12); filter: blur(2px);
}
.section-heading { max-width: 760px; margin-bottom: 48px; }
.section-heading.center { text-align: center; margin-inline: auto; }
.eyebrow {
  display: inline-flex; align-items: center; gap: 10px; margin: 0 0 18px;
  color: var(--blue-700); font-size: .78rem; line-height: 1.2; font-weight: 900;
  text-transform: uppercase; letter-spacing: .15em;
}
.eyebrow::before { content: ""; width: 26px; height: 3px; border-radius: 8px; background: var(--teal-500); }
.section-dark .eyebrow { color: var(--teal-400); }
h1, h2, h3, h4 { margin: 0 0 18px; color: var(--navy-950); line-height: 1.08; letter-spacing: -.035em; }
h1 { font-size: clamp(2.55rem, 4.9vw, 4.75rem); }
h2 { font-size: clamp(2rem, 3.65vw, 3.35rem); }
h3 { font-size: clamp(1.25rem, 2vw, 1.55rem); }
.section-dark h1, .section-dark h2, .section-dark h3 { color: var(--white); }
.lead { max-width: 760px; color: var(--muted); font-size: clamp(1.08rem, 1.5vw, 1.3rem); }
.section-dark .lead { color: #bac9d6; }
.accent { color: var(--teal-400); }
.kicker { color: var(--muted); font-size: .92rem; font-weight: 750; letter-spacing: .02em; }
.stack { display: grid; gap: 22px; }
.grid-2 { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 28px; }
.grid-3 { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 24px; }
.grid-4 { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 20px; }
.btn-row { display: flex; flex-wrap: wrap; gap: 12px; align-items: center; }
.btn {
  display: inline-flex; min-height: 52px; align-items: center; justify-content: center; gap: 10px;
  padding: 13px 22px; border: 1px solid transparent; border-radius: 999px;
  font-size: .95rem; font-weight: 850; transition: transform .2s ease, background .2s ease, border-color .2s ease, color .2s ease;
}
.btn:hover { transform: translateY(-2px); }
.btn:disabled { cursor: wait; opacity: .72; transform: none; }
.btn:focus-visible, .text-link:focus-visible, .site-nav a:focus-visible, .nav-toggle:focus-visible, .menu-button:focus-visible, .faq-question:focus-visible, .whatsapp-float:focus-visible {
  outline: 3px solid var(--teal-400); outline-offset: 4px;
}
.btn-primary { color: var(--navy-950); background: var(--teal-400); }
.btn-primary:hover { background: #69e7e3; }
.btn-dark { color: var(--white); background: var(--navy-950); }
.btn-dark:hover { background: var(--navy-800); }
.btn-outline { color: var(--navy-950); border-color: #b8c7d2; background: transparent; }
.btn-outline:hover { border-color: var(--blue-600); color: var(--blue-700); }
.section-dark .btn-outline, .hero .btn-outline, .cta-panel .btn-outline, .page-hero .btn-outline {
  color: var(--white); border-color: rgba(255,255,255,.68); background: rgba(255,255,255,.035);
}
.section-dark .btn-outline:hover, .hero .btn-outline:hover, .cta-panel .btn-outline:hover, .page-hero .btn-outline:hover {
  border-color: var(--teal-400); color: var(--navy-950); background: var(--teal-400);
}
.text-link { display: inline-flex; align-items: center; gap: 8px; color: var(--blue-700); font-weight: 850; }
.text-link::after { content: "→"; transition: transform .2s ease; }
.text-link:hover::after { transform: translateX(4px); }

.site-header {
  position: sticky; top: 0; z-index: 100; min-height: 78px;
  border-bottom: 1px solid rgba(10, 28, 49, .08); background: rgba(255, 255, 255, .94);
  backdrop-filter: blur(18px); -webkit-backdrop-filter: blur(18px);
}
.header-inner { min-height: 78px; display: flex; align-items: center; justify-content: space-between; gap: 26px; }
.brand { flex: 0 0 auto; display: inline-flex; align-items: center; }
.brand img { width: 224px; max-height: 50px; object-fit: contain; object-position: left center; }
.site-nav { display: flex; align-items: center; gap: 6px; }
.site-nav > a, .nav-toggle {
  padding: 11px 12px; border: 0; background: none; color: #425468;
  font-size: .89rem; font-weight: 760; white-space: nowrap;
}
.site-nav > a:hover, .nav-toggle:hover, .site-nav > a[aria-current="page"], .nav-toggle[aria-current="page"] { color: var(--blue-700); }
.nav-dropdown { position: relative; }
.nav-toggle { display: inline-flex; align-items: center; gap: 6px; }
.nav-toggle::after { content: "⌄"; font-size: .85em; }
.nav-panel {
  position: absolute; top: calc(100% + 12px); left: 0; width: 310px; padding: 12px;
  display: grid; gap: 4px; border: 1px solid var(--line); border-radius: 18px;
  background: var(--white); box-shadow: var(--shadow-lg); opacity: 0; visibility: hidden;
  transform: translateY(-8px); transition: .2s ease;
}
.nav-dropdown:hover .nav-panel, .nav-dropdown:focus-within .nav-panel, .nav-dropdown.is-open .nav-panel {
  opacity: 1; visibility: visible; transform: translateY(0);
}
.nav-panel a { padding: 12px 14px; border-radius: 12px; font-size: .9rem; font-weight: 750; }
.nav-panel a:hover { color: var(--blue-700); background: var(--surface); }
.header-cta { margin-left: 4px; min-height: 44px; padding: 10px 17px; }
.site-nav > a.header-cta { color: var(--white); background: var(--navy-950); border: 1px solid var(--navy-950); }
.site-nav > a.header-cta:hover, .site-nav > a.header-cta[aria-current="page"] { color: var(--white); background: var(--navy-800); border-color: var(--navy-800); }
.menu-button {
  display: none; width: 46px; height: 46px; border: 1px solid var(--line); border-radius: 50%;
  background: var(--white); color: var(--navy-950); font-size: 0;
}
.menu-button::before, .menu-button::after { content: ""; display: block; width: 20px; height: 2px; margin: 5px auto; background: currentColor; transition: .2s ease; }
.menu-button[aria-expanded="true"]::before { transform: translateY(3.5px) rotate(45deg); }
.menu-button[aria-expanded="true"]::after { transform: translateY(-3.5px) rotate(-45deg); }

.hero {
  min-height: 720px; display: flex; align-items: center; color: var(--white); overflow: hidden;
  background:
    radial-gradient(circle at 84% 20%, rgba(16,185,183,.24), transparent 28%),
    radial-gradient(circle at 10% 90%, rgba(15,95,168,.3), transparent 32%),
    linear-gradient(135deg, var(--navy-950), #0b2844 65%, #083b50);
}
.hero::before {
  content: ""; position: absolute; inset: 0; opacity: .32; pointer-events: none;
  background-image: linear-gradient(rgba(255,255,255,.04) 1px, transparent 1px), linear-gradient(90deg, rgba(255,255,255,.04) 1px, transparent 1px);
  background-size: 58px 58px; mask-image: linear-gradient(to right, black, transparent 78%);
}
.hero-grid { position: relative; display: grid; grid-template-columns: minmax(0, 1.15fr) minmax(330px, .85fr); gap: 70px; align-items: center; padding: 80px 0; }
.hero-copy .eyebrow { color: var(--teal-400); }
.hero h1 { max-width: 800px; color: var(--white); font-size: clamp(2.9rem, 5vw, 4.8rem); }
.hero .lead { max-width: 720px; margin: 0 0 30px; color: #c4d3df; }
.hero-note { display: flex; gap: 14px; align-items: center; margin-top: 24px; color: #a9bdcb; font-size: .88rem; }
.hero-note::before { content: ""; width: 36px; height: 1px; background: var(--teal-400); }
.portrait-stage { position: relative; min-height: 510px; display: grid; place-items: center; }
.portrait-orbit { position: absolute; width: 430px; height: 430px; border: 1px solid rgba(53,211,207,.28); border-radius: 50%; }
.portrait-orbit::before, .portrait-orbit::after { content: ""; position: absolute; border-radius: 50%; background: var(--teal-400); box-shadow: 0 0 24px rgba(53,211,207,.75); }
.portrait-orbit::before { width: 12px; height: 12px; left: 55px; top: 55px; }
.portrait-orbit::after { width: 8px; height: 8px; right: 27px; bottom: 105px; }
.portrait-card {
  position: relative; width: min(338px, 90%); padding: 22px; border: 1px solid rgba(255,255,255,.18);
  border-radius: var(--radius-lg); background: rgba(255,255,255,.09); box-shadow: var(--shadow-lg); backdrop-filter: blur(14px);
}
.portrait-card img { width: 100%; aspect-ratio: 1 / 1; object-fit: cover; border-radius: 24px; image-rendering: auto; }
.portrait-meta { padding: 20px 4px 2px; }
.portrait-meta strong { display: block; font-size: 1.25rem; }
.portrait-meta span { color: #bcd1dc; font-size: .92rem; }
.floating-chip {
  position: absolute; display: inline-flex; align-items: center; gap: 9px; padding: 11px 15px;
  border: 1px solid rgba(255,255,255,.18); border-radius: 999px; background: rgba(6,19,34,.82);
  color: var(--white); box-shadow: var(--shadow-sm); font-size: .78rem; font-weight: 800;
}
.floating-chip::before { content: ""; width: 8px; height: 8px; border-radius: 50%; background: var(--teal-400); }
.chip-one { top: 66px; left: -16px; }
.chip-two { right: -24px; bottom: 104px; }

.brand-strip { padding: 28px 0; border-bottom: 1px solid var(--line); background: var(--white); }
.brand-strip-inner { display: grid; grid-template-columns: 1fr 1.5fr 1fr 1.1fr; gap: 36px; align-items: center; }
.brand-strip-label { color: var(--muted); font-size: .78rem; font-weight: 900; text-transform: uppercase; letter-spacing: .14em; }
.brand-logo { height: 38px; width: 100%; object-fit: contain; object-position: center; filter: saturate(.85); }
.finance-wordmark { color: var(--navy-800); font-size: 1.1rem; font-weight: 900; letter-spacing: -.03em; text-align: center; }
.finance-wordmark span { color: var(--teal-500); }

.card {
  position: relative; padding: 30px; border: 1px solid var(--line); border-radius: var(--radius);
  background: var(--white); box-shadow: 0 1px 0 rgba(6,19,34,.02); transition: transform .25s ease, box-shadow .25s ease, border-color .25s ease;
}
.card:hover { transform: translateY(-5px); border-color: #b8cbd8; box-shadow: var(--shadow-sm); }
.card-icon {
  width: 52px; height: 52px; display: grid; place-items: center; margin-bottom: 28px;
  border-radius: 16px; color: var(--blue-700); background: #eaf4fb; font-weight: 950;
}
.card-icon.teal { color: #087d7b; background: #e5f9f8; }
.card-icon.red { color: #b52430; background: #fff0f1; }
.card p { color: var(--muted); }
.card ul, .check-list { padding: 0; margin: 24px 0 0; list-style: none; }
.card li, .check-list li { position: relative; padding-left: 25px; margin: 10px 0; color: #425468; font-size: .94rem; }
.card li::before, .check-list li::before { content: "✓"; position: absolute; left: 0; color: var(--teal-500); font-weight: 950; }
.service-card { min-height: 100%; display: flex; flex-direction: column; }
.service-card .text-link { margin-top: auto; padding-top: 22px; }
.ecosystem-card { display: flex; flex-direction: column; }
.ecosystem-card .logo-card { margin-bottom: 28px; }
.ecosystem-card-links { display: grid; gap: 10px; margin-top: auto; padding-top: 18px; }
.external-link { color: var(--muted); font-size: .87rem; font-weight: 700; }
.external-link:hover { color: var(--blue-700); }
.tag, .service-card .tag { display: inline-flex; align-self: flex-start; margin-bottom: 18px; color: var(--blue-700); font-size: .73rem; font-weight: 900; letter-spacing: .12em; text-transform: uppercase; }
.problem-grid { display: grid; grid-template-columns: 1.05fr .95fr; gap: 68px; align-items: start; }
.problem-list { display: grid; grid-template-columns: repeat(2, 1fr); gap: 16px; }
.problem-item { padding: 21px; border: 1px solid var(--line); border-radius: 16px; background: var(--white); }
.problem-item strong { display: block; margin-bottom: 6px; color: var(--navy-950); }
.problem-item span { color: var(--muted); font-size: .9rem; }

.profile-section { overflow: hidden; }
.profile-grid { display: grid; grid-template-columns: .78fr 1.22fr; gap: 76px; align-items: center; }
.profile-photo { position: relative; width: min(100%, 390px); justify-self: center; padding: 28px; border-radius: var(--radius-lg); background: linear-gradient(145deg, var(--navy-900), #0d4c69); }
.profile-photo::after { content: ""; position: absolute; right: -24px; bottom: -24px; width: 120px; height: 120px; border: 18px solid var(--teal-400); border-radius: 50%; opacity: .2; }
.profile-photo img { width: 100%; aspect-ratio: 1/1; object-fit: cover; border-radius: 25px; }
.profile-copy blockquote { margin: 30px 0; padding-left: 24px; border-left: 4px solid var(--teal-500); color: var(--navy-800); font-size: 1.18rem; font-weight: 720; }
.role-line { color: var(--blue-700); font-weight: 850; }

.ecosystem-shell { display: grid; grid-template-columns: 1fr 1.15fr; gap: 70px; align-items: center; }
.hub { position: relative; min-height: 510px; display: grid; place-items: center; }
.hub-center {
  position: relative; z-index: 2; width: 230px; height: 230px; display: grid; place-content: center; text-align: center;
  padding: 28px; border: 1px solid rgba(53,211,207,.5); border-radius: 50%;
  background: linear-gradient(145deg, #0d304d, #071726); box-shadow: 0 0 0 28px rgba(53,211,207,.05), var(--shadow-lg);
}
.hub-center strong { font-size: 1.35rem; }
.hub-center span { color: #abc2cf; font-size: .82rem; }
.hub-node {
  position: absolute; z-index: 3; width: 174px; padding: 16px; border: 1px solid rgba(255,255,255,.16);
  border-radius: 18px; background: rgba(255,255,255,.08); box-shadow: var(--shadow-sm); text-align: center;
}
.hub-node strong { display: block; font-size: .92rem; }
.hub-node span { color: #afc4d0; font-size: .72rem; }
.hub-node.one { top: 16px; left: 8px; }
.hub-node.two { top: 24px; right: 0; }
.hub-node.three { bottom: 14px; left: 50%; transform: translateX(-50%); }
.hub-line { position: absolute; z-index: 1; height: 1px; width: 175px; background: linear-gradient(90deg, transparent, var(--teal-400)); transform-origin: right center; opacity: .5; }
.hub-line.one { left: 106px; top: 160px; transform: rotate(28deg); }
.hub-line.two { right: 92px; top: 170px; transform: rotate(150deg); }
.hub-line.three { bottom: 123px; left: 50%; width: 135px; transform: translateX(-50%) rotate(90deg); }

.timeline { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; counter-reset: steps; }
.timeline article { position: relative; padding-top: 76px; }
.timeline article::before {
  counter-increment: steps; content: "0" counter(steps); position: absolute; top: 0; left: 0;
  color: var(--teal-500); font-size: 2.65rem; font-weight: 950; letter-spacing: -.06em;
}
.timeline article::after { content: ""; position: absolute; top: 37px; left: 74px; right: -14px; height: 1px; background: var(--line); }
.timeline article:last-child::after { display: none; }
.timeline p { color: var(--muted); font-size: .94rem; }

.feature-list { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
.feature { padding: 25px; border-top: 3px solid var(--teal-500); background: var(--surface); }
.feature p { margin-bottom: 0; color: var(--muted); font-size: .93rem; }
.why-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 1px; border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden; background: var(--line); }
.why-item { min-height: 154px; padding: 27px; display: grid; align-content: center; gap: 8px; background: var(--white); }
.why-item strong { color: var(--navy-950); font-size: 1.03rem; }
.why-item span { color: var(--muted); font-size: .9rem; }
.trustproof-section { color: var(--white); background: linear-gradient(135deg, var(--navy-950), #0c3550); }
.trustproof-grid { display: grid; grid-template-columns: minmax(260px, .7fr) minmax(0, 1.3fr); gap: 72px; align-items: center; }
.trustproof-score { display: grid; align-content: center; min-height: 290px; padding: 36px; border: 1px solid rgba(255,255,255,.16); border-radius: var(--radius-lg); background: rgba(255,255,255,.06); }
.trustproof-score .eyebrow { color: var(--teal-400); }
.trustproof-score > strong { color: var(--white); font-size: clamp(3.6rem, 7vw, 6.2rem); line-height: .95; letter-spacing: -.07em; }
.trustproof-score > span { margin-top: 14px; color: var(--white); font-size: 1.08rem; font-weight: 850; }
.trustproof-score > small { margin-top: 7px; color: #abc2cf; }
.trustproof-copy h2 { color: var(--white); }
.trustproof-copy p { max-width: 720px; margin-bottom: 27px; color: #c4d3df; }
.trustproof-copy .btn-dark { color: var(--navy-950); background: var(--teal-400); }
.trustproof-copy .btn-dark:hover { background: #69e7e3; }
.trustproof-note { display: block; max-width: 690px; margin-top: 15px; color: #abc2cf; font-size: .76rem; line-height: 1.55; }
.scenario-grid { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 18px; }
.scenario-card { min-height: 250px; padding: 26px; border: 1px solid var(--line); border-radius: var(--radius); background: linear-gradient(160deg, var(--white), #f4fafb); transition: transform .22s ease, border-color .22s ease, box-shadow .22s ease; }
.scenario-card:hover { transform: translateY(-4px); border-color: #a9c7d2; box-shadow: var(--shadow-sm); }
.scenario-card > span { display: inline-block; margin-bottom: 44px; color: var(--blue-700); font-size: .72rem; font-weight: 900; letter-spacing: .12em; text-transform: uppercase; }
.scenario-card p { margin-bottom: 0; color: var(--muted); font-size: .92rem; }
.section-action { margin-top: 30px; }
.portfolio-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 22px; }
.portfolio-card { display: flex; min-height: 285px; flex-direction: column; padding: 29px; border: 1px solid var(--line); border-radius: var(--radius); background: linear-gradient(155deg, var(--white), #f3f8fa); transition: transform .22s ease, border-color .22s ease, box-shadow .22s ease; }
.portfolio-card:hover { transform: translateY(-4px); border-color: #a9c7d2; box-shadow: var(--shadow-sm); }
.portfolio-card > span { margin-bottom: 26px; color: #087d7b; font-size: .73rem; font-weight: 900; letter-spacing: .11em; text-transform: uppercase; }
.portfolio-card h3 { margin-bottom: 12px; }
.portfolio-card p { color: var(--muted); font-size: .92rem; }
.portfolio-card .text-link { margin-top: auto; padding-top: 16px; }
.portfolio-card .text-link::after { content: none; }
.portfolio-source { display: flex; justify-content: space-between; align-items: center; gap: 24px; margin-top: 34px; padding: 25px 27px; border: 1px solid var(--line); border-radius: 18px; background: var(--surface); }
.portfolio-source p { max-width: 700px; margin: 0; color: #425468; }
.editorial-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 22px; }
.editorial-card { padding: 29px 30px; border: 1px solid var(--line); border-radius: var(--radius); background: var(--white); }
.editorial-card h3 { font-size: 1.23rem; }
.editorial-card p { margin-bottom: 0; color: #425468; }
.experience-list { display: grid; gap: 0; max-width: 960px; }
.experience-item { display: grid; grid-template-columns: 116px minmax(0, 1fr); gap: 32px; padding: 28px 0 30px; border-top: 1px solid var(--line); }
.experience-date { padding-top: 4px; color: var(--blue-700); font-weight: 900; font-size: 1.06rem; }
.experience-company { margin: 0 0 7px; color: #087d7b; font-size: .77rem; font-weight: 900; text-transform: uppercase; letter-spacing: .11em; }
.experience-item h3 { margin-bottom: 10px; }
.experience-item > div > p:last-child { margin-bottom: 0; color: #425468; }
.experience-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 30px; }
.article-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 25px; }
.article-card { display: grid; align-content: start; }
.article-card h2 { margin-bottom: 14px; font-size: clamp(1.47rem, 2.4vw, 1.94rem); }
.article-card > p { color: #425468; }
.article-card .text-link { margin-top: 10px; }
.article-prose { width: min(calc(100% - 40px), 860px); }
.article-meta, .legal-updated { color: var(--muted) !important; font-size: .9rem; }
.article-section + .article-section { margin-top: 20px; }
.article-section p { line-height: 1.8; }
.article-related { margin-top: 48px; padding: 26px; border: 1px solid var(--line); border-radius: 18px; background: var(--surface); }
.article-related p { margin: 0 0 12px; font-weight: 750; }
.legal-prose { max-width: 890px; }
.legal-prose p, .legal-prose li { line-height: 1.82; }
.legal-prose li + li { margin-top: 11px; }
.legal-table-wrap { margin: 24px 0; overflow-x: auto; }
.legal-table { width: 100%; min-width: 620px; border-collapse: collapse; }
.legal-table th, .legal-table td { padding: 14px 13px; border-bottom: 1px solid var(--line); text-align: left; vertical-align: top; }
.legal-table th { color: var(--navy-950); font-size: .87rem; }
.legal-table td { color: #425468; font-size: .9rem; }
.faq { display: grid; gap: 12px; }
.faq-item { border: 1px solid var(--line); border-radius: 16px; background: var(--white); overflow: hidden; }
.faq-question {
  width: 100%; display: flex; align-items: center; justify-content: space-between; gap: 20px;
  padding: 22px 24px; border: 0; color: var(--navy-950); background: transparent; text-align: left; font-weight: 850;
}
.faq-question::after { content: "+"; color: var(--teal-500); font-size: 1.5rem; }
.faq-question[aria-expanded="true"]::after { content: "−"; }
.faq-answer { display: none; padding: 0 24px 22px; color: var(--muted); }
.faq-question[aria-expanded="true"] + .faq-answer { display: block; }

.cta-panel {
  position: relative; padding: 64px; border-radius: var(--radius-lg); color: var(--white); overflow: hidden;
  background: linear-gradient(125deg, var(--navy-950), #0c3858 68%, #096a70); box-shadow: var(--shadow-lg);
}
.cta-panel::after { content: ""; position: absolute; width: 300px; height: 300px; right: -110px; top: -140px; border: 34px solid rgba(53,211,207,.16); border-radius: 50%; }
.cta-panel h2 { color: var(--white); max-width: 800px; }
.cta-panel p { max-width: 720px; color: #bfd0da; }

.page-hero { padding: 105px 0 88px; color: var(--white); background: linear-gradient(135deg, var(--navy-950), #0b3554); }
.page-hero h1 { max-width: 950px; color: var(--white); font-size: clamp(2.65rem, 4.6vw, 4.25rem); }
.page-hero .lead { color: #c3d3de; }
.breadcrumbs { display: flex; flex-wrap: wrap; gap: 8px; margin-bottom: 32px; color: #a9bdcb; font-size: .84rem; }
.breadcrumbs a:hover { color: var(--teal-400); }
.breadcrumbs span::before { content: "/"; margin-right: 8px; opacity: .5; }
.content-prose h2 { margin-top: 58px; font-size: clamp(1.8rem, 3vw, 2.6rem); }
.content-prose h3 { margin-top: 34px; }
.content-prose p, .content-prose li { color: #425468; }
.content-prose ul { padding-left: 1.25rem; }
.notice { padding: 24px; border-left: 4px solid var(--teal-500); border-radius: 0 14px 14px 0; background: #eefafa; color: #315265; }
.notice.legal { border-color: var(--blue-600); background: #eef5fb; font-size: .9rem; }
.two-col-content { display: grid; grid-template-columns: minmax(0, 1.35fr) minmax(280px, .65fr); gap: 70px; align-items: start; }
.side-card { position: sticky; top: 110px; padding: 28px; border-radius: var(--radius); color: var(--white); background: var(--navy-950); }
.side-card h3 { color: var(--white); }
.side-card p { color: #b8cad5; }
.side-card .btn { width: 100%; }
.side-card .btn + .btn { margin-top: 12px; }
.side-card .btn-outline { color: var(--white); border-color: rgba(255,255,255,.32); }
.side-card .btn-outline:hover { color: var(--teal-400); border-color: var(--teal-400); }
.logo-card { min-height: 156px; display: grid; place-content: center; padding: 28px; border: 1px solid var(--line); border-radius: var(--radius); background: var(--white); }
.logo-card img { max-height: 70px; width: 100%; object-fit: contain; }
.brand-role-note {
  display: grid; gap: 8px; margin: 34px 0; padding: 22px 24px;
  border: 1px solid #cde8e8; border-radius: 16px; background: #f1fbfa;
}
.brand-role-note strong { color: var(--navy-900); }
.brand-role-note span { color: var(--muted); font-size: .93rem; }
.finance-intro-grid { display: grid; grid-template-columns: minmax(0, 1.05fr) minmax(310px, .8fr); gap: 82px; align-items: center; }
.finance-intro-grid .content-prose h2 { margin-top: 0; }
.finance-currency-row { display: flex; flex-wrap: wrap; gap: 10px; margin: 28px 0 10px; }
.finance-currency-row span {
  padding: 8px 13px; border: 1px solid #d3e1e8; border-radius: 999px;
  color: var(--navy-800); background: var(--white); font-size: .82rem; font-weight: 850;
}
.finance-caption { margin: 0 0 26px; color: var(--muted) !important; font-size: .82rem; }
.finance-product-card {
  padding: 34px; border: 1px solid rgba(53,211,207,.22); border-radius: 28px;
  color: var(--white); background: radial-gradient(circle at 84% 0%, rgba(53,211,207,.22), transparent 32%), linear-gradient(150deg, var(--navy-950), #103b52);
  box-shadow: var(--shadow-lg);
}
.finance-product-card .eyebrow { color: var(--teal-400); }
.finance-product-heading { display: grid; gap: 7px; }
.finance-product-heading > span, .finance-card-visual > span { color: #bad0db; font-size: .87rem; }
.finance-product-heading > strong { font-size: clamp(1.85rem, 3.1vw, 2.7rem); line-height: 1.08; letter-spacing: -.035em; }
.finance-card-visual {
  display: grid; gap: 26px; margin-top: 28px; padding: 22px;
  border: 1px solid rgba(255,255,255,.22); border-radius: 20px;
  background: linear-gradient(135deg, rgba(53,211,207,.2), rgba(21,116,199,.28));
}
.finance-card-visual strong { font-size: 1.22rem; letter-spacing: -.03em; }
.finance-product-rows { display: grid; gap: 13px; margin-top: 24px; }
.finance-product-rows > div { display: flex; justify-content: space-between; gap: 12px; font-size: .82rem; }
.finance-product-rows > div > span { color: #afc5d1; }
.finance-product-rows > div > strong { text-align: right; }
.finance-service-grid { align-items: stretch; }
.finance-service { min-height: 228px; }
.finance-service-index { display: inline-flex; margin-bottom: 18px; color: #087d7b; font-size: .84rem; font-weight: 900; letter-spacing: .1em; }
.finance-service h3 { margin-bottom: 12px; }
.finance-service p { margin-bottom: 0; font-size: .94rem; }
.finance-steps { display: grid; gap: 0; margin: 34px 0 42px; }
.finance-steps article { display: grid; grid-template-columns: 54px minmax(0, 1fr); gap: 16px; padding: 20px 0; border-top: 1px solid var(--line); }
.finance-steps article > strong { color: #087d7b; font-size: .9rem; }
.finance-steps h3 { margin: 0 0 7px; font-size: 1.12rem; }
.finance-steps p { margin: 0; color: var(--muted); font-size: .94rem; }

.contact-grid { display: grid; grid-template-columns: .8fr 1.2fr; gap: 64px; align-items: start; }
.contact-details { display: grid; gap: 16px; margin-top: 32px; }
.contact-detail { padding: 18px 0; border-bottom: 1px solid var(--line); }
.contact-detail span { display: block; color: var(--muted); font-size: .8rem; font-weight: 850; text-transform: uppercase; letter-spacing: .1em; }
.contact-detail a, .contact-detail strong { font-size: 1.06rem; }
.form-card { padding: 36px; border: 1px solid var(--line); border-radius: var(--radius-lg); background: var(--white); box-shadow: var(--shadow-sm); }
.form-intro { display: grid; gap: 5px; margin-bottom: 26px; padding-bottom: 22px; border-bottom: 1px solid var(--line); }
.form-intro span { color: var(--blue-700); font-size: .75rem; font-weight: 900; letter-spacing: .12em; text-transform: uppercase; }
.form-intro strong { color: var(--navy-950); font-size: 1.08rem; }
.form-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 18px; }
.field { display: grid; gap: 8px; }
.field.full { grid-column: 1 / -1; }
.field label { color: var(--navy-800); font-size: .85rem; font-weight: 850; }
.field input, .field select, .field textarea {
  width: 100%; min-height: 50px; padding: 12px 14px; border: 1px solid #cbd8e1; border-radius: 12px;
  color: var(--ink); background: var(--white); outline: none;
}
.field textarea { min-height: 150px; resize: vertical; }
.field input:focus, .field select:focus, .field textarea:focus { border-color: var(--blue-600); box-shadow: 0 0 0 4px rgba(21,116,199,.12); }
.interest-field { min-width: 0; margin: 0; padding: 0; border: 0; }
.interest-field legend { padding: 0; color: var(--navy-800); font-size: .85rem; font-weight: 850; }
.interest-hint { margin: -2px 0 2px; color: var(--muted); font-size: .8rem; }
.interest-options { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 10px; }
.interest-button {
  min-height: 48px; padding: 11px 13px; border: 1px solid #bdccd7; border-radius: 12px;
  color: var(--navy-800); background: #f8fbfd; font-size: .82rem; font-weight: 800; line-height: 1.25; text-align: left;
}
.interest-button:hover { border-color: var(--teal-500); background: #edfafa; }
.interest-button[aria-pressed="true"] { color: var(--white); border-color: var(--navy-800); background: var(--navy-800); box-shadow: inset 4px 0 0 var(--teal-400); }
.interest-button[aria-pressed="true"]::before { content: '✓'; margin-right: 7px; color: var(--teal-400); }
.interest-button:focus-visible { outline: 3px solid rgba(21,116,199,.35); outline-offset: 2px; }
.interest-error { min-height: 1.2em; margin: 0; color: var(--danger); font-size: .8rem; font-weight: 750; }
.checkbox { display: flex; gap: 11px; align-items: flex-start; color: var(--muted); font-size: .83rem; }
.checkbox input { width: 19px; height: 19px; margin-top: 2px; }
.form-submit { width: 100%; }
.form-microcopy { margin: 10px 0 0; color: var(--muted); font-size: .78rem; text-align: center; }
.contact-signature { display: grid; gap: 2px; margin-top: 30px; padding: 18px 20px; border-left: 3px solid var(--teal-500); background: var(--white); }
.contact-signature strong { color: var(--navy-950); }
.contact-signature span { color: var(--muted); font-size: .86rem; }
.honeypot { position: absolute !important; left: -9999px !important; width: 1px !important; height: 1px !important; overflow: hidden !important; }
.form-status { display: none; margin-bottom: 20px; padding: 15px; border-radius: 12px; }
.form-status.is-visible { display: block; }
.form-status.error { color: var(--danger); background: #fff0f1; }
.form-status.success { color: var(--success); background: #ebf8f2; }

.site-footer { padding: 72px 0 24px; color: #b5c5d0; background: #050f1a; }
.footer-grid { display: grid; grid-template-columns: 1.2fr .8fr .9fr .9fr; gap: 46px; padding-bottom: 52px; }
.footer-brand img { width: 250px; max-height: 58px; object-fit: contain; object-position: left center; }
.footer-brand p { max-width: 360px; }
.site-footer h3 { color: var(--white); font-size: .9rem; text-transform: uppercase; letter-spacing: .1em; }
.site-footer ul { padding: 0; list-style: none; }
.site-footer li { margin: 9px 0; }
.site-footer a:hover { color: var(--teal-400); }
.footer-consent-link { padding: 0; border: 0; color: inherit; background: transparent; text-align: left; }
.footer-consent-link:hover, .footer-consent-link:focus-visible { color: var(--teal-400); }
.footer-bottom { display: flex; justify-content: space-between; gap: 24px; padding-top: 24px; border-top: 1px solid rgba(255,255,255,.1); font-size: .78rem; }
.footer-bottom p { margin: 0; max-width: 740px; }
.whatsapp-float {
  position: fixed; z-index: 90; right: 22px; bottom: 22px; width: 58px; height: 58px;
  display: grid; place-items: center; border-radius: 50%; color: var(--navy-950); background: var(--teal-400);
  box-shadow: 0 16px 34px rgba(6,19,34,.25); font-size: .72rem; letter-spacing: -.02em; font-weight: 950;
}
.whatsapp-float:hover { transform: translateY(-3px); }

.cookie-banner[hidden], .cookie-modal[hidden] { display: none !important; }
.cookie-banner {
  position: fixed; z-index: 300; left: 20px; bottom: 20px; width: min(690px, calc(100vw - 40px));
  padding: 25px 28px 24px; border: 1px solid #d4e0e8; border-radius: 24px;
  color: var(--navy-950); background: var(--white); box-shadow: 0 28px 80px rgba(6,19,34,.25);
}
.cookie-kicker { margin: 0 0 7px; color: #087d7b; font-size: .74rem; font-weight: 900; text-transform: uppercase; letter-spacing: .12em; }
.cookie-banner h2, .cookie-modal-panel h2 { margin: 0 0 9px; color: var(--navy-950); font-size: 1.55rem; }
.cookie-banner-copy > p:not(.cookie-kicker), .cookie-modal-panel > p:not(.cookie-kicker) { color: #425468; font-size: .88rem; line-height: 1.58; }
.cookie-policy-links { display: flex; flex-wrap: wrap; gap: 17px; margin: 12px 0 18px; }
.cookie-policy-links a { color: var(--blue-700); font-weight: 850; }
.cookie-actions { display: grid; grid-template-columns: 1fr 1.1fr 1fr; gap: 9px; }
.cookie-actions .btn { min-height: 45px; padding: 10px 12px; border-radius: 12px; font-size: .78rem; white-space: nowrap; }
.btn-consent-reject, .btn-consent-save { color: var(--navy-950); border-color: #91a6b5; background: var(--white); }
.btn-consent-reject:hover, .btn-consent-save:hover { color: var(--white); border-color: var(--navy-800); background: var(--navy-800); }
.btn-consent-settings { color: var(--navy-950); border-color: #b9cad5; background: #f0f5f8; }
.btn-consent-settings:hover { background: #e2edf3; }
.btn-consent-accept { color: var(--navy-950); border-color: var(--teal-400); background: var(--teal-400); }
.btn-consent-accept:hover { color: var(--navy-950); background: #69e7e3; }
.cookie-close { position: absolute; top: 15px; right: 16px; width: 35px; height: 35px; border: 1px solid var(--line); border-radius: 50%; color: var(--navy-950); background: var(--white); font-size: 1.35rem; line-height: 1; }
.cookie-close:hover { border-color: var(--blue-700); }
.cookie-modal { position: fixed; z-index: 350; inset: 0; display: grid; place-items: center; padding: 18px; }
.cookie-modal-backdrop { position: absolute; inset: 0; background: rgba(6,19,34,.67); }
.cookie-modal-panel { position: relative; width: min(680px, 100%); max-height: min(760px, calc(100dvh - 36px)); overflow-y: auto; padding: 31px; border-radius: 26px; color: var(--navy-950); background: var(--white); box-shadow: var(--shadow-lg); }
.cookie-category-list { display: grid; gap: 0; margin: 22px 0 14px; }
.cookie-category { display: grid; grid-template-columns: minmax(0, 1fr) auto; align-items: center; gap: 17px; padding: 17px 0; border-top: 1px solid var(--line); }
.cookie-category > div, .cookie-category > span:first-child { display: grid; gap: 5px; }
.cookie-category strong { color: var(--navy-950); font-size: .95rem; }
.cookie-category > div > span, .cookie-category > span:first-child > span { color: #536679; font-size: .83rem; line-height: 1.5; }
.cookie-category input { width: 22px; height: 22px; accent-color: var(--blue-700); }
.cookie-required { color: #087d7b; font-size: .74rem; font-weight: 900; white-space: nowrap; }
.cookie-modal-note { margin: 8px 0 19px; }
body.cookie-modal-open { overflow: hidden; }

.reveal { opacity: 0; transform: translateY(24px); transition: opacity .65s ease, transform .65s ease; }
.reveal.is-visible { opacity: 1; transform: none; }

@media (max-width: 1080px) {
  .site-header { background: var(--white); backdrop-filter: none; -webkit-backdrop-filter: none; }
  .header-inner { position: relative; }
  .site-nav { display: none; position: fixed; z-index: 120; inset: 78px 0 0; height: calc(100dvh - 78px); padding: 20px 22px max(36px, env(safe-area-inset-bottom)); flex-direction: column; align-items: stretch; gap: 0; overflow-y: auto; overscroll-behavior: contain; background: var(--white); }
  .site-nav.is-open { display: flex; }
  .site-nav > a, .nav-toggle { width: 100%; padding: 15px 4px; text-align: left; font-size: 1.05rem; border-bottom: 1px solid var(--line); }
  .nav-dropdown { width: 100%; }
  .nav-toggle { justify-content: space-between; }
  .nav-panel { position: static; width: 100%; display: none; opacity: 1; visibility: visible; transform: none; box-shadow: none; border: 0; padding: 8px 0 8px 16px; }
  .nav-dropdown.is-open .nav-panel { display: grid; }
  .site-nav > a.header-cta { min-height: 54px; justify-content: center; margin: 18px 0 0; padding: 13px 17px; border-radius: 14px; text-align: center; }
  .menu-button { position: relative; z-index: 130; display: block; }
  body.menu-open .whatsapp-float { opacity: 0; pointer-events: none; }
  .hero-grid { grid-template-columns: 1fr .75fr; gap: 36px; }
  .portrait-stage { min-height: 440px; }
  .portrait-orbit { width: 340px; height: 340px; }
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .scenario-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 820px) {
  body { font-size: 16px; }
  .section { padding: 76px 0; }
  .hero { min-height: auto; }
  .hero-grid, .profile-grid, .ecosystem-shell, .problem-grid, .contact-grid, .two-col-content, .finance-intro-grid, .trustproof-grid { grid-template-columns: 1fr; }
  .hero-grid { padding: 70px 0; }
  .hero-copy { text-align: left; }
  .portrait-stage { min-height: 430px; }
  .chip-one { left: 0; }
  .chip-two { right: 0; }
  .brand-strip-inner { grid-template-columns: repeat(3, 1fr); }
  .brand-strip-label { grid-column: 1 / -1; text-align: center; }
  .grid-3, .feature-list { grid-template-columns: 1fr; }
  .editorial-grid, .article-grid, .portfolio-grid { grid-template-columns: 1fr; }
  .why-grid { grid-template-columns: repeat(2, 1fr); }
  .timeline { grid-template-columns: repeat(2, 1fr); }
  .timeline article:nth-child(2)::after { display: none; }
  .side-card { position: static; }
  .finance-intro-grid { gap: 42px; }
  .finance-product-card { max-width: 560px; }
  .cta-panel { padding: 44px 30px; }
  .trustproof-grid { gap: 36px; }
  .trustproof-score { min-height: 230px; }
  .portfolio-source { align-items: flex-start; flex-direction: column; }
}

@media (max-width: 560px) {
  .container, .narrow { width: min(calc(100% - 28px), var(--container)); }
  .brand img { width: 198px; }
  .header-inner { min-height: 70px; }
  .site-header { min-height: 70px; }
  .site-nav { inset: 70px 0 0; height: calc(100dvh - 70px); }
  .hero h1 { font-size: clamp(2.55rem, 12vw, 3.55rem); }
  .hero-grid { padding: 58px 0; }
  .portrait-stage { min-height: 375px; }
  .portrait-card { width: 280px; padding: 17px; }
  .portrait-orbit { width: 310px; height: 310px; }
  .floating-chip { font-size: .67rem; }
  .chip-one { top: 24px; }
  .chip-two { bottom: 45px; }
  .brand-strip-inner { gap: 20px; }
  .brand-logo { height: 28px; }
  .finance-wordmark { font-size: .88rem; }
  .grid-2, .grid-4, .problem-list, .timeline, .form-grid, .why-grid, .scenario-grid { grid-template-columns: 1fr; }
  .scenario-card { min-height: auto; }
  .scenario-card > span { margin-bottom: 24px; }
  .timeline article::after { display: none; }
  .hub { min-height: 470px; transform: scale(.87); margin: -30px; }
  .card { padding: 24px; }
  .form-card { padding: 24px 18px; }
  .field.full { grid-column: auto; }
  .interest-options { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; }
  .whatsapp-float { width: 52px; height: 52px; right: 15px; bottom: 15px; }
  .experience-item { grid-template-columns: 68px minmax(0, 1fr); gap: 14px; }
  .experience-date { font-size: .92rem; }
  .editorial-card { padding: 23px 21px; }
  .article-prose { width: calc(100% - 28px); }
  .cookie-banner { left: 9px; bottom: 9px; width: calc(100vw - 18px); max-height: min(510px, calc(100dvh - 18px)); overflow-y: auto; padding: 22px 16px 17px; border-radius: 19px; }
  .cookie-banner h2, .cookie-modal-panel h2 { font-size: 1.32rem; }
  .cookie-banner-copy > p:not(.cookie-kicker), .cookie-modal-panel > p:not(.cookie-kicker) { font-size: .81rem; }
  .cookie-actions { grid-template-columns: 1fr 1fr; }
  .cookie-actions .btn-consent-settings { grid-column: 1 / -1; order: 3; }
  .cookie-actions .btn-consent-reject { order: 1; }
  .cookie-actions .btn-consent-accept { order: 2; }
  .cookie-modal-actions .btn-consent-save { grid-column: 1 / -1; order: 3; }
  .cookie-modal-panel { max-height: calc(100dvh - 24px); padding: 24px 17px; }
  .cookie-category { gap: 10px; }
}

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