/* =========================================================
   TreasClaims — Premium Financial Landing
   Palette: Navy #0a1f44, Gold #c9a24a, Emerald #0f7a5a
   ========================================================= */

:root{
  --navy:#0a1f44;
  --navy-2:#0e2a5a;
  --navy-3:#132f66;
  --gold:#c9a24a;
  --gold-2:#e0bd6a;
  --emerald:#0f7a5a;
  --white:#ffffff;
  --off:#f6f7fb;
  --gray-50:#f4f6fa;
  --gray-100:#eef1f6;
  --gray-200:#e2e6ee;
  --gray-500:#6b7591;
  --gray-700:#3d465e;
  --text:#0f172a;
  --muted:#5a6379;
  --border:#e6e9f0;
  --shadow-sm:0 4px 14px rgba(10,31,68,.06);
  --shadow-md:0 12px 34px rgba(10,31,68,.10);
  --shadow-lg:0 30px 80px rgba(10,31,68,.18);
  --radius:14px;
  --radius-lg:22px;
  --font-display:'Playfair Display', Georgia, serif;
  --font-body:'Inter', system-ui, -apple-system, Segoe UI, Roboto, sans-serif;
  --container:1240px;
  --ease:cubic-bezier(.22,.61,.36,1);
}

*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  font-family:var(--font-body);
  color:var(--text);
  background:var(--white);
  font-size:16px;
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
  overflow-x:hidden;
}
img{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
button{font-family:inherit;cursor:pointer;border:none;background:none}

h1,h2,h3,h4,h5{font-family:var(--font-display);font-weight:700;letter-spacing:-.01em;color:var(--navy);line-height:1.15;margin:0 0 .5em}
h1{font-size:clamp(2.2rem,5vw,3.8rem)}
h2{font-size:clamp(1.7rem,3.3vw,2.6rem)}
h3{font-size:1.25rem}
p{margin:0 0 1em;color:var(--muted)}
.container{max-width:var(--container);margin:0 auto;padding:0 24px}

/* ============ BUTTONS ============ */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:.5rem;
  padding:.85rem 1.5rem;border-radius:999px;font-weight:600;font-size:.95rem;
  transition:all .25s var(--ease);white-space:nowrap;cursor:pointer;
  border:1px solid transparent;
}
.btn-sm{padding:.6rem 1.15rem;font-size:.87rem}
.btn-lg{padding:1.05rem 1.9rem;font-size:1rem}
.btn-block{width:100%}
.btn-gold{
  background:linear-gradient(135deg,var(--gold) 0%,var(--gold-2) 100%);
  color:var(--navy);
  box-shadow:0 10px 30px rgba(201,162,74,.35);
}
.btn-gold:hover{transform:translateY(-2px);box-shadow:0 16px 40px rgba(201,162,74,.5)}
.btn-ghost{
  background:rgba(255,255,255,.08);color:#fff;
  border:1px solid rgba(255,255,255,.35);backdrop-filter:blur(6px);
}
.btn-ghost:hover{background:rgba(255,255,255,.16)}
.btn-outline-light{background:transparent;color:#fff;border:1px solid rgba(255,255,255,.45)}
.btn-outline-light:hover{background:#fff;color:var(--navy)}

/* ============ SCROLL PROGRESS ============ */
.scroll-progress{
  position:fixed;top:0;left:0;height:3px;width:0;
  background:linear-gradient(90deg,var(--gold),var(--gold-2));
  z-index:1000;transition:width .1s linear;
}

/* ============ NAV ============ */
.nav{
  position:fixed;top:0;left:0;right:0;z-index:100;
  padding:14px 0;transition:all .3s var(--ease);
  background:rgba(10,31,68,.0);
}
.nav.scrolled{
  background:rgba(255,255,255,.92);
  backdrop-filter:saturate(1.5) blur(14px);
  box-shadow:var(--shadow-sm);
  border-bottom:1px solid rgba(230,233,240,.7);
}
.nav-inner{display:flex;align-items:center;justify-content:space-between;gap:24px}
.brand{display:inline-flex;align-items:center;gap:10px;color:#fff;font-weight:700}
.nav.scrolled .brand{color:var(--navy)}
.brand.light{color:#fff}
.brand-mark{color:var(--gold);display:inline-flex}
.brand-text{font-family:var(--font-display);font-size:1.35rem;letter-spacing:.01em}
.brand-accent{color:var(--gold)}
.nav-links{display:flex;gap:6px}
.nav-links a{
  padding:.6rem 1rem;border-radius:8px;font-weight:500;font-size:.93rem;color:#fff;opacity:.85;
  transition:all .2s;
}
.nav.scrolled .nav-links a{color:var(--navy)}
.nav-links a:hover{opacity:1;background:rgba(255,255,255,.1)}
.nav.scrolled .nav-links a:hover{background:var(--gray-50)}
.nav-actions{display:flex;align-items:center;gap:10px}
.nav-toggle{display:none;flex-direction:column;gap:5px;padding:8px}
.nav-toggle span{width:22px;height:2px;background:#fff;border-radius:2px;transition:all .3s}
.nav.scrolled .nav-toggle span{background:var(--navy)}

.mobile-menu{
  display:none;position:fixed;top:64px;left:0;right:0;
  background:#fff;box-shadow:var(--shadow-md);
  padding:20px;flex-direction:column;gap:6px;border-top:1px solid var(--border);
}
.mobile-menu.open{display:flex}
.mobile-menu a{padding:.9rem;border-radius:10px;color:var(--navy);font-weight:500}
.mobile-menu a:hover{background:var(--gray-50)}
.mobile-menu .btn{margin-top:8px}

@media (max-width:900px){
  .nav-links{display:none}
  .nav-toggle{display:flex}
}

/* ============ HERO ============ */
.hero{
  position:relative;min-height:100vh;padding:140px 0 80px;
  color:#fff;overflow:hidden;isolation:isolate;
}
.hero-bg{position:absolute;inset:0;z-index:-1}
.hero-bg img{width:100%;height:100%;object-fit:cover;transform:scale(1.05)}
.hero-overlay{
  position:absolute;inset:0;
  background:
    radial-gradient(1000px 500px at 80% 20%, rgba(201,162,74,.18), transparent 60%),
    linear-gradient(120deg, rgba(10,31,68,.95) 0%, rgba(10,31,68,.85) 45%, rgba(10,31,68,.55) 100%);
}
.hero-shape{position:absolute;border-radius:50%;filter:blur(80px);opacity:.35;animation:float 12s ease-in-out infinite}
.shape-1{width:400px;height:400px;background:var(--gold);top:-100px;right:-100px}
.shape-2{width:500px;height:500px;background:var(--emerald);bottom:-200px;left:-150px;animation-delay:-6s}

.hero-inner{
  position:relative;display:grid;grid-template-columns:1.05fr .95fr;gap:60px;
  align-items:center;min-height:calc(100vh - 220px);
}
.hero-copy{max-width:640px}
.eyebrow{
  display:inline-flex;align-items:center;gap:8px;
  font-size:.82rem;font-weight:600;letter-spacing:.14em;text-transform:uppercase;
  color:var(--gold);margin-bottom:1.2rem;
}
.eyebrow.center{margin-inline:auto;display:inline-flex}
.eyebrow.light{color:var(--gold-2)}
.eyebrow .dot{width:6px;height:6px;border-radius:50%;background:var(--gold);box-shadow:0 0 0 4px rgba(201,162,74,.25)}
.hero-title{color:#fff;margin-bottom:1.2rem}
.text-gold{
  background:linear-gradient(135deg,var(--gold) 0%,var(--gold-2) 100%);
  -webkit-background-clip:text;background-clip:text;color:transparent;
}
.hero-desc{color:rgba(255,255,255,.85);font-size:1.1rem;max-width:560px;margin-bottom:2rem}
.hero-cta{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:3rem}
.hero-trust{display:flex;gap:36px;flex-wrap:wrap}
.hero-trust div{display:flex;flex-direction:column}
.hero-trust strong{font-family:var(--font-display);font-size:1.6rem;color:var(--gold-2)}
.hero-trust span{font-size:.83rem;color:rgba(255,255,255,.7);text-transform:uppercase;letter-spacing:.1em}

/* Hero dashboard */
.hero-dash{position:relative;height:460px}
.glass{
  background:rgba(255,255,255,.08);
  backdrop-filter:blur(20px);-webkit-backdrop-filter:blur(20px);
  border:1px solid rgba(255,255,255,.18);
  border-radius:var(--radius-lg);
  box-shadow:var(--shadow-lg);
}
.dash-card{padding:22px;color:#fff;position:absolute;top:20px;left:0;right:40px}
.dash-head{display:flex;justify-content:space-between;align-items:center;margin-bottom:18px}
.dash-title{display:flex;align-items:center;gap:10px;font-weight:600}
.live{
  display:inline-flex;align-items:center;gap:6px;padding:3px 9px;border-radius:20px;
  background:rgba(15,122,90,.25);color:#5eddb1;font-size:.7rem;font-weight:700;letter-spacing:.1em;
}
.live i{width:6px;height:6px;border-radius:50%;background:#5eddb1;box-shadow:0 0 0 3px rgba(94,221,177,.3);animation:pulse 1.6s infinite}
.dash-menu{display:flex;gap:3px}
.dash-menu span{width:4px;height:4px;border-radius:50%;background:rgba(255,255,255,.5)}
.dash-chart{height:120px;margin-bottom:14px}
.dash-chart svg{width:100%;height:100%}
.chart-line{stroke-dasharray:1000;stroke-dashoffset:1000;animation:draw 2.2s var(--ease) forwards}
@keyframes draw{to{stroke-dashoffset:0}}
.dash-rows{display:flex;flex-direction:column;gap:8px;font-size:.87rem}
.dash-row{display:flex;justify-content:space-between;padding:8px 12px;background:rgba(255,255,255,.06);border-radius:10px}
.dash-row .up{color:#5eddb1;font-weight:600}
.dash-row .down{color:#f0827a;font-weight:600}

.dash-mini{position:absolute;bottom:0;right:0;padding:18px;width:260px;color:#fff}
.mini-label{font-size:.75rem;color:rgba(255,255,255,.6);letter-spacing:.1em;text-transform:uppercase;margin-bottom:6px}
.mini-status{font-weight:600;margin-bottom:12px;display:flex;align-items:center;gap:8px}
.pulse-dot{width:8px;height:8px;background:var(--gold);border-radius:50%;box-shadow:0 0 0 4px rgba(201,162,74,.3);animation:pulse 1.6s infinite}
.mini-bar{height:6px;background:rgba(255,255,255,.15);border-radius:4px;overflow:hidden;margin-bottom:8px}
.mini-bar i{display:block;height:100%;background:linear-gradient(90deg,var(--gold),var(--gold-2));border-radius:4px;animation:fill 2s var(--ease)}
@keyframes fill{from{width:0}}
.mini-foot{display:flex;justify-content:space-between;font-size:.75rem;color:rgba(255,255,255,.65)}

.floating{animation:float 6s ease-in-out infinite}
.floating.delay{animation-delay:-3s}
@keyframes float{0%,100%{transform:translateY(0)}50%{transform:translateY(-12px)}}
@keyframes pulse{0%,100%{opacity:1;transform:scale(1)}50%{opacity:.6;transform:scale(1.2)}}

@media (max-width:960px){
  .hero-inner{grid-template-columns:1fr;gap:40px}
  .hero-dash{height:420px;max-width:460px;margin:0 auto}
}
@media (max-width:520px){
  .hero-dash{display:none}
  .hero{min-height:auto;padding:120px 0 60px}
  .hero-trust{gap:20px}
}

/* ============ TICKER ============ */
.ticker{
  background:var(--navy);color:#fff;padding:14px 0;overflow:hidden;
  border-top:1px solid rgba(255,255,255,.06);
  border-bottom:1px solid rgba(255,255,255,.06);
}
.ticker-track{display:flex;gap:48px;white-space:nowrap;animation:ticker 40s linear infinite;font-size:.9rem}
.ticker-track span{display:inline-flex;align-items:center;gap:8px}
.ticker-track .lbl{color:rgba(255,255,255,.6);font-weight:500}
.ticker-track .up{color:#5eddb1;font-weight:600}
.ticker-track .down{color:#f0827a;font-weight:600}
@keyframes ticker{to{transform:translateX(-50%)}}

/* ============ SECTIONS ============ */
.section{padding:110px 0}
.section-alt{background:linear-gradient(180deg,var(--off) 0%,#fff 100%)}
.section-head{display:flex;justify-content:space-between;align-items:end;gap:40px;margin-bottom:60px;flex-wrap:wrap}
.section-head.center{flex-direction:column;align-items:center;text-align:center}
.section-head.center h2,.section-head.center p{max-width:720px}
.section-lede{max-width:420px;font-size:1.05rem}

/* ============ GRIDS ============ */
.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:24px}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}
@media (max-width:1000px){.grid-4{grid-template-columns:repeat(2,1fr)}.grid-3{grid-template-columns:repeat(2,1fr)}}
@media (max-width:600px){.grid-4,.grid-3{grid-template-columns:1fr}}

/* ============ TRUST CARDS ============ */
.trust-card{
  background:#fff;padding:36px 28px;border-radius:var(--radius-lg);
  border:1px solid var(--border);box-shadow:var(--shadow-sm);
  transition:all .35s var(--ease);
}
.trust-card:hover{transform:translateY(-8px);box-shadow:var(--shadow-md);border-color:var(--gold)}
.trust-icon{
  width:56px;height:56px;border-radius:14px;display:grid;place-items:center;
  background:linear-gradient(135deg,rgba(201,162,74,.14),rgba(201,162,74,.05));
  color:var(--gold);margin-bottom:20px;transition:transform .3s;
}
.trust-icon svg{width:26px;height:26px}
.trust-card:hover .trust-icon{transform:scale(1.1) rotate(-4deg)}
.trust-card h3{color:var(--navy);margin-bottom:.5rem}
.trust-card p{font-size:.94rem;margin:0}

/* ============ MAGAZINE ============ */
.mag-grid{
  display:grid;grid-template-columns:repeat(3,1fr);gap:26px;
  grid-auto-rows:1fr;
}
.mag-card{
  background:#fff;border-radius:var(--radius-lg);overflow:hidden;
  border:1px solid var(--border);box-shadow:var(--shadow-sm);
  transition:all .35s var(--ease);display:flex;flex-direction:column;
}
.mag-card:hover{transform:translateY(-6px);box-shadow:var(--shadow-md)}
.mag-img{position:relative;aspect-ratio:16/10;overflow:hidden;background:var(--gray-100)}
.mag-img img{width:100%;height:100%;object-fit:cover;transition:transform .6s var(--ease)}
.mag-card:hover .mag-img img{transform:scale(1.06)}
.mag-body{padding:24px;display:flex;flex-direction:column;gap:10px;flex:1}
.tag{
  align-self:flex-start;font-size:.72rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;
  color:var(--emerald);padding:5px 10px;background:rgba(15,122,90,.08);border-radius:6px;
}
.mag-body h3{font-size:1.15rem;color:var(--navy);line-height:1.35;margin:0}
.mag-body p{font-size:.9rem;margin:0}
.read-more{margin-top:auto;color:var(--gold);font-weight:600;font-size:.9rem;padding-top:8px}
.mag-lead{grid-column:span 2;grid-row:span 2}
.mag-lead .mag-img{aspect-ratio:16/9}
.mag-lead h3{font-size:1.7rem}
@media (max-width:1000px){.mag-grid{grid-template-columns:repeat(2,1fr)}.mag-lead{grid-column:span 2;grid-row:auto}}
@media (max-width:640px){.mag-grid{grid-template-columns:1fr}.mag-lead{grid-column:auto}}

/* ============ MARKETS ============ */
.market-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
@media (max-width:1000px){.market-grid{grid-template-columns:repeat(2,1fr)}}
@media (max-width:520px){.market-grid{grid-template-columns:1fr}}
.market-card{
  background:#fff;border:1px solid var(--border);border-radius:var(--radius);
  padding:22px;transition:all .3s var(--ease);position:relative;overflow:hidden;
}
.market-card:hover{transform:translateY(-4px);box-shadow:var(--shadow-md);border-color:var(--gold)}
.mc-head{display:flex;justify-content:space-between;align-items:center;margin-bottom:14px}
.mc-symbol{font-weight:700;color:var(--navy);font-size:1rem}
.mc-name{font-size:.75rem;color:var(--muted);text-transform:uppercase;letter-spacing:.08em}
.mc-price{font-family:var(--font-display);font-size:1.6rem;color:var(--navy);font-weight:700;margin-bottom:4px}
.mc-change{font-size:.88rem;font-weight:600;display:flex;align-items:center;gap:6px;margin-bottom:12px}
.mc-change.up{color:var(--emerald)}
.mc-change.down{color:#c8443b}
.mc-chart{height:44px;margin-bottom:8px}
.mc-chart svg{width:100%;height:100%}
.mc-updated{font-size:.72rem;color:var(--muted);text-transform:uppercase;letter-spacing:.06em}

/* ============ INDICATORS ============ */
.indicator-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
@media (max-width:900px){.indicator-grid{grid-template-columns:repeat(2,1fr)}}
@media (max-width:520px){.indicator-grid{grid-template-columns:1fr}}
.ind-card{
  background:#fff;padding:28px;border-radius:var(--radius-lg);border:1px solid var(--border);
  display:flex;gap:18px;align-items:center;box-shadow:var(--shadow-sm);
  transition:all .3s var(--ease);
}
.ind-card:hover{transform:translateY(-4px);box-shadow:var(--shadow-md)}
.ind-ic{
  width:54px;height:54px;flex:none;border-radius:14px;display:grid;place-items:center;
  background:linear-gradient(135deg,var(--navy),var(--navy-3));color:var(--gold);font-size:1.4rem;
}
.ind-body h4{font-family:var(--font-body);font-size:.85rem;color:var(--muted);margin:0 0 4px;font-weight:500;text-transform:uppercase;letter-spacing:.08em}
.ind-val{font-family:var(--font-display);font-size:1.8rem;color:var(--navy);font-weight:700;line-height:1}
.ind-sub{font-size:.8rem;color:var(--emerald);font-weight:600;margin-top:4px}
.ind-sub.down{color:#c8443b}

/* ============ TIMELINE ============ */
.timeline{
  position:relative;display:grid;grid-template-columns:repeat(4,1fr);gap:30px;padding:40px 0;
}
.tl-line{
  position:absolute;top:100px;left:12%;right:12%;height:2px;
  background:var(--border);border-radius:2px;overflow:hidden;
}
.tl-line i{display:block;height:100%;width:0;background:linear-gradient(90deg,var(--gold),var(--gold-2));transition:width 1.6s var(--ease)}
.timeline.animate .tl-line i{width:100%}
.tl-step{text-align:center;position:relative;z-index:1}
.tl-num{
  font-family:var(--font-display);font-size:.85rem;font-weight:700;color:var(--gold);
  letter-spacing:.15em;margin-bottom:14px;
}
.tl-icon{
  width:80px;height:80px;border-radius:50%;background:#fff;border:2px solid var(--border);
  display:grid;place-items:center;margin:0 auto 20px;color:var(--navy);
  box-shadow:var(--shadow-sm);transition:all .3s;
}
.tl-icon svg{width:32px;height:32px}
.tl-step:hover .tl-icon{border-color:var(--gold);color:var(--gold);transform:scale(1.05)}
.tl-step h4{font-family:var(--font-display);color:var(--navy);margin:0 0 6px;font-size:1.15rem}
.tl-step p{font-size:.9rem;margin:0}
@media (max-width:800px){
  .timeline{grid-template-columns:1fr;gap:24px}
  .tl-line{display:none}
  .tl-step{display:grid;grid-template-columns:80px 1fr;text-align:left;gap:20px;align-items:center}
  .tl-num{grid-column:2;margin:0}
  .tl-icon{margin:0}
  .tl-step h4,.tl-step p{grid-column:2}
}

/* ============ WHY CHOOSE ============ */
.why-wrap{display:grid;grid-template-columns:1fr 1.1fr;gap:70px;align-items:center}
.why-img{position:relative}
.why-img img{border-radius:var(--radius-lg);box-shadow:var(--shadow-lg);aspect-ratio:4/5;object-fit:cover}
.why-badge{
  position:absolute;bottom:24px;left:-24px;padding:16px 20px;color:#fff;
  background:rgba(10,31,68,.85);display:flex;gap:14px;align-items:center;color:#fff;
  border:1px solid rgba(255,255,255,.15);
}
.why-badge strong{display:block;font-family:var(--font-body);font-size:.95rem}
.why-badge span{font-size:.78rem;color:rgba(255,255,255,.7)}
.why-badge svg{color:var(--gold)}
.why-copy h2{margin-bottom:1rem}
.why-copy>p{font-size:1.05rem;margin-bottom:2rem}
.why-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:20px}
.why-item{padding:20px;background:#fff;border-radius:var(--radius);border:1px solid var(--border);transition:all .3s}
.why-item:hover{border-color:var(--gold);transform:translateY(-3px);box-shadow:var(--shadow-sm)}
.wi-ic{display:inline-block;width:36px;height:36px;line-height:36px;text-align:center;border-radius:10px;background:rgba(201,162,74,.14);color:var(--gold);font-weight:700;margin-bottom:10px}
.why-item strong{display:block;color:var(--navy);font-family:var(--font-display);font-size:1.05rem;margin-bottom:4px}
.why-item p{font-size:.86rem;margin:0}
@media (max-width:900px){.why-wrap{grid-template-columns:1fr;gap:40px}.why-badge{left:16px}}

/* ============ STATS ============ */
.stats-section{
  background:linear-gradient(135deg,var(--navy) 0%,var(--navy-2) 100%);
  color:#fff;position:relative;overflow:hidden;
}
.stats-section::before{
  content:"";position:absolute;top:-40%;right:-10%;width:600px;height:600px;
  background:radial-gradient(circle,rgba(201,162,74,.18),transparent 70%);
}
.stats-grid{display:grid;grid-template-columns:repeat(6,1fr);gap:30px;text-align:center;position:relative}
@media (max-width:900px){.stats-grid{grid-template-columns:repeat(3,1fr)}}
@media (max-width:520px){.stats-grid{grid-template-columns:repeat(2,1fr)}}
.stat-num{
  display:block;font-family:var(--font-display);font-weight:700;
  font-size:clamp(1.8rem,3.2vw,2.6rem);
  background:linear-gradient(135deg,var(--gold),var(--gold-2));
  -webkit-background-clip:text;background-clip:text;color:transparent;
  margin-bottom:6px;
}
.stat-lbl{font-size:.85rem;color:rgba(255,255,255,.75);text-transform:uppercase;letter-spacing:.1em}

/* ============ RESOURCES ============ */
.res-card{
  background:#fff;border-radius:var(--radius-lg);overflow:hidden;
  border:1px solid var(--border);box-shadow:var(--shadow-sm);
  transition:all .35s var(--ease);display:flex;flex-direction:column;
}
.res-card:hover{transform:translateY(-6px);box-shadow:var(--shadow-md)}
.res-img{aspect-ratio:16/10;overflow:hidden;background:var(--gray-100);position:relative}
.res-img img{width:100%;height:100%;object-fit:cover;transition:transform .5s}
.res-card:hover .res-img img{transform:scale(1.05)}
.res-img::after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,transparent 50%,rgba(10,31,68,.3))}
.res-body{padding:26px;display:flex;flex-direction:column;gap:12px;flex:1}
.res-ic{
  width:44px;height:44px;border-radius:12px;background:linear-gradient(135deg,rgba(201,162,74,.15),rgba(201,162,74,.05));
  color:var(--gold);display:grid;place-items:center;
}
.res-ic svg{width:22px;height:22px}
.res-body h3{font-size:1.2rem;color:var(--navy);margin:0}
.res-body p{font-size:.9rem;margin:0}
.res-body .btn{align-self:flex-start;margin-top:auto}

/* ============ CTA ============ */
.cta-section{
  position:relative;padding:110px 0;overflow:hidden;isolation:isolate;
  background:linear-gradient(135deg,#081936 0%,var(--navy) 40%,var(--navy-2) 100%);
  color:#fff;text-align:center;
}
.cta-bg{position:absolute;inset:0;z-index:-1}
.cta-shape{position:absolute;border-radius:50%;filter:blur(90px);opacity:.3}
.cta-shape.s1{width:500px;height:500px;background:var(--gold);top:-150px;left:-100px}
.cta-shape.s2{width:400px;height:400px;background:var(--emerald);bottom:-150px;right:-100px}
.cta-inner h2{color:#fff;font-size:clamp(2rem,4vw,3rem);margin-bottom:1rem;max-width:800px;margin-inline:auto}
.cta-inner p{color:rgba(255,255,255,.8);font-size:1.1rem;max-width:640px;margin:0 auto 2.5rem}
.cta-actions{display:flex;gap:14px;justify-content:center;flex-wrap:wrap}

/* ============ ABOUT ============ */
.about-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
@media (max-width:900px){.about-grid{grid-template-columns:repeat(2,1fr)}}
@media (max-width:520px){.about-grid{grid-template-columns:1fr}}
.about-card{
  padding:32px;border-radius:var(--radius-lg);
  background:#fff;border:1px solid var(--border);border-top:3px solid var(--gold);
  transition:all .3s;
}
.about-card:hover{transform:translateY(-4px);box-shadow:var(--shadow-md)}
.about-card h4{font-family:var(--font-display);color:var(--navy);font-size:1.2rem;margin:0 0 10px}
.about-card p{font-size:.94rem;margin:0}

/* ============ FAQ ============ */
.faq-wrap{max-width:860px;margin:0 auto}
.faq{display:flex;flex-direction:column;gap:12px}
.faq-item{
  background:#fff;border:1px solid var(--border);border-radius:var(--radius);
  overflow:hidden;transition:all .3s;
}
.faq-item.open{border-color:var(--gold);box-shadow:var(--shadow-sm)}
.faq-q{
  width:100%;text-align:left;padding:22px 24px;display:flex;justify-content:space-between;
  align-items:center;gap:16px;font-weight:600;color:var(--navy);font-size:1rem;
}
.faq-q i{
  width:28px;height:28px;border-radius:50%;background:var(--gray-50);color:var(--navy);
  display:grid;place-items:center;font-style:normal;font-weight:700;flex:none;transition:all .3s;
}
.faq-item.open .faq-q i{background:var(--gold);color:#fff;transform:rotate(45deg)}
.faq-a{max-height:0;overflow:hidden;transition:max-height .4s var(--ease);padding:0 24px}
.faq-a p{padding:0 0 22px;margin:0;color:var(--muted)}

/* ============ FOOTER ============ */
.footer{background:var(--navy);color:rgba(255,255,255,.75);padding:80px 0 30px}
.footer-grid{
  display:grid;grid-template-columns:1.6fr repeat(5,1fr) 1.4fr;gap:40px;
  padding-bottom:50px;border-bottom:1px solid rgba(255,255,255,.1);
}
.footer h5{color:#fff;font-family:var(--font-body);font-size:.85rem;text-transform:uppercase;letter-spacing:.12em;margin:0 0 18px}
.footer a{display:block;padding:5px 0;color:rgba(255,255,255,.6);font-size:.9rem;transition:color .2s}
.footer a:hover{color:var(--gold)}
.footer-brand p{color:rgba(255,255,255,.65);font-size:.92rem;margin:16px 0 20px;max-width:340px}
.footer-brand .btn{margin-bottom:22px}
.socials{display:flex;gap:10px}
.socials a{
  width:36px;height:36px;padding:0;display:grid;place-items:center;border-radius:50%;
  background:rgba(255,255,255,.08);color:#fff;
}
.socials a:hover{background:var(--gold);color:var(--navy)}
.newsletter p{font-size:.88rem;margin-bottom:14px}
.newsletter form{display:flex;gap:8px;flex-wrap:wrap}
.newsletter input{
  flex:1;min-width:0;padding:.75rem 1rem;border-radius:8px;
  background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.15);color:#fff;font-size:.9rem;
}
.newsletter input::placeholder{color:rgba(255,255,255,.5)}
.newsletter input:focus{outline:none;border-color:var(--gold)}
.nl-msg{color:var(--gold-2);font-size:.82rem;margin-top:8px;display:block}
@media (max-width:1100px){.footer-grid{grid-template-columns:repeat(3,1fr)}}
@media (max-width:640px){.footer-grid{grid-template-columns:repeat(2,1fr)}.footer-brand,.newsletter{grid-column:span 2}}

.disclaimer{padding-top:24px;font-size:.8rem;color:rgba(255,255,255,.55);line-height:1.6}
.disclaimer .copy{margin-top:12px;color:rgba(255,255,255,.4)}

/* ============ TO TOP ============ */
.to-top{
  position:fixed;bottom:24px;right:24px;width:44px;height:44px;border-radius:50%;
  background:var(--navy);color:#fff;display:grid;place-items:center;font-size:1.1rem;font-weight:700;
  box-shadow:var(--shadow-md);opacity:0;pointer-events:none;transition:all .3s;z-index:90;
}
.to-top.visible{opacity:1;pointer-events:auto}
.to-top:hover{background:var(--gold);color:var(--navy);transform:translateY(-3px)}

/* ============ ANIMATIONS ============ */
.fade-up{opacity:0;transform:translateY(30px);animation:fadeUp .9s var(--ease) forwards}
.fade-up.delay-2{animation-delay:.25s}
@keyframes fadeUp{to{opacity:1;transform:translateY(0)}}

.reveal{opacity:0;transform:translateY(30px);transition:opacity .8s var(--ease),transform .8s var(--ease)}
.reveal.in{opacity:1;transform:translateY(0)}

@media (prefers-reduced-motion:reduce){
  *,*::before,*::after{animation-duration:.01ms!important;animation-iteration-count:1!important;transition-duration:.01ms!important;scroll-behavior:auto!important}
}