:root {
  --clr-bg: #f4f5f7;
  --clr-surface: #ffffff;
  --clr-surface-2: #eef0f4;
  --clr-surface-3: #e4e7ed;
  --clr-primary: #1a2744;
  --clr-primary-light: #243560;
  --clr-accent: #2563eb;
  --clr-accent-light: #3b82f6;
  --clr-accent-pale: #dbeafe;
  --clr-gold: #c9a84c;
  --clr-gold-light: #f0d98a;
  --clr-text: #1e2535;
  --clr-text-2: #4a5568;
  --clr-text-3: #718096;
  --clr-border: #dde2ec;
  --clr-white: #ffffff;
  --clr-danger: #dc2626;
  --clr-success: #16a34a;

  --grad-hero: linear-gradient(135deg, #1a2744 0%, #243560 50%, #1e3a6e 100%);
  --grad-accent: linear-gradient(135deg, #2563eb 0%, #1d4ed8 100%);
  --grad-gold: linear-gradient(135deg, #c9a84c 0%, #f0d98a 100%);
  --grad-subtle: linear-gradient(135deg, #f4f5f7 0%, #eef0f4 100%);

  --shadow-xs: 0 1px 2px rgba(26,39,68,0.06);
  --shadow-sm: 0 2px 8px rgba(26,39,68,0.08), 0 1px 3px rgba(26,39,68,0.06);
  --shadow-md: 0 4px 16px rgba(26,39,68,0.10), 0 2px 6px rgba(26,39,68,0.07);
  --shadow-lg: 0 8px 32px rgba(26,39,68,0.12), 0 4px 12px rgba(26,39,68,0.08);
  --shadow-xl: 0 16px 48px rgba(26,39,68,0.14), 0 6px 20px rgba(26,39,68,0.10);
  --shadow-accent: 0 4px 20px rgba(37,99,235,0.25), 0 2px 8px rgba(37,99,235,0.15);

  --radius-xs: 6px;
  --radius-sm: 10px;
  --radius-md: 14px;
  --radius-lg: 20px;
  --radius-xl: 28px;
  --radius-2xl: 36px;

  --nav-h: 72px;
  --gap: clamp(12px, 2vw, 20px);
  --section-py: clamp(60px, 8vw, 120px);
  --container: 1240px;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; }

body {
  font-family: 'Inter', sans-serif;
  background: var(--clr-bg);
  color: var(--clr-text);
  font-size: clamp(15px, 1.6vw, 16px);
  line-height: 1.7;
  overflow-x: hidden;
  padding-bottom: 70px;
}

@media (min-width: 768px) { body { padding-bottom: 0; } }

img { display: block; max-width: 100%; height: auto; }
a { color: inherit; text-decoration: none; transition: color 0.2s ease; }
ul { list-style: none; }
button { cursor: pointer; border: none; background: none; font-family: inherit; }

.container {
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 clamp(16px, 4vw, 40px);
}

h1, h2, h3, h4 { font-family: 'Plus Jakarta Sans', sans-serif; line-height: 1.2; }
h1 { font-size: clamp(2rem, 5vw, 3.5rem); font-weight: 800; }
h2 { font-size: clamp(1.6rem, 3.5vw, 2.5rem); font-weight: 700; }
h3 { font-size: clamp(1.15rem, 2.5vw, 1.5rem); font-weight: 700; }
h4 { font-size: clamp(1rem, 2vw, 1.15rem); font-weight: 600; }

.section-tag {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--clr-accent-pale);
  color: var(--clr-accent);
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  padding: 6px 14px;
  border-radius: 100px;
  margin-bottom: 1rem;
}

.section-header {
  text-align: center;
  max-width: 680px;
  margin: 0 auto clamp(40px, 6vw, 72px);
}

.section-title { color: var(--clr-primary); margin-bottom: 1rem; }
.section-subtitle { color: var(--clr-text-2); font-size: clamp(1rem, 1.8vw, 1.1rem); }

.btn-primary {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--grad-accent);
  color: var(--clr-white);
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-weight: 700;
  font-size: 0.95rem;
  padding: 14px 28px;
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-accent);
  transition: transform 0.2s ease, box-shadow 0.2s ease, opacity 0.2s ease;
  border: none;
  cursor: pointer;
}
.btn-primary:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 28px rgba(37,99,235,0.35), 0 4px 12px rgba(37,99,235,0.2);
  color: var(--clr-white);
}
.btn-primary.btn-lg { padding: 16px 36px; font-size: 1rem; }
.btn-primary.btn-form { width: 100%; justify-content: center; padding: 16px; font-size: 1rem; }

.btn-ghost {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: transparent;
  color: var(--clr-primary);
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-weight: 600;
  font-size: 0.95rem;
  padding: 13px 28px;
  border-radius: var(--radius-md);
  border: 2px solid var(--clr-border);
  transition: border-color 0.2s ease, background 0.2s ease, color 0.2s ease;
}
.btn-ghost:hover {
  border-color: var(--clr-accent);
  color: var(--clr-accent);
  background: var(--clr-accent-pale);
}
.btn-ghost.btn-lg { padding: 15px 36px; font-size: 1rem; }

.btn-white-sm {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: var(--clr-white);
  color: var(--clr-primary);
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-weight: 700;
  font-size: 0.85rem;
  padding: 10px 20px;
  border-radius: var(--radius-sm);
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}
.btn-white-sm:hover { transform: translateY(-2px); box-shadow: var(--shadow-md); }

/* ===== NAVBAR ===== */
.navbar {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  background: rgba(255,255,255,0.95);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--clr-border);
  height: var(--nav-h);
  box-shadow: var(--shadow-sm);
  transition: box-shadow 0.3s ease;
}
.navbar.scrolled { box-shadow: var(--shadow-md); }

.nav-container {
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 clamp(16px, 4vw, 40px);
  height: 100%;
  display: flex;
  align-items: center;
  gap: 2rem;
}

.nav-logo { display: flex; align-items: center; flex-shrink: 0; }
.logo-img { height: 36px; width: auto; }

.nav-links {
  display: none;
  align-items: center;
  gap: 0.25rem;
  margin-left: auto;
}
@media (min-width: 1024px) { .nav-links { display: flex; } }

.nav-link {
  font-size: 0.875rem;
  font-weight: 500;
  color: var(--clr-text-2);
  padding: 8px 14px;
  border-radius: var(--radius-sm);
  transition: color 0.2s ease, background 0.2s ease;
}
.nav-link:hover, .nav-link.active {
  color: var(--clr-accent);
  background: var(--clr-accent-pale);
}

.nav-cta {
  display: none;
  margin-left: 1rem;
  background: var(--grad-accent);
  color: var(--clr-white);
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-weight: 700;
  font-size: 0.85rem;
  padding: 10px 22px;
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-accent);
  transition: transform 0.2s ease, box-shadow 0.2s ease;
  white-space: nowrap;
}
.nav-cta:hover { transform: translateY(-1px); box-shadow: 0 6px 20px rgba(37,99,235,0.3); color: var(--clr-white); }
@media (min-width: 1024px) { .nav-cta { display: inline-flex; align-items: center; } }

.hamburger {
  display: flex;
  flex-direction: column;
  gap: 5px;
  padding: 10px;
  margin-left: auto;
  min-width: 44px;
  min-height: 44px;
  align-items: center;
  justify-content: center;
}
@media (min-width: 1024px) { .hamburger { display: none; } }
.hamburger span {
  display: block;
  width: 22px;
  height: 2px;
  background: var(--clr-primary);
  border-radius: 2px;
  transition: transform 0.3s ease, opacity 0.3s ease;
}

.mobile-menu {
  position: fixed;
  top: 0; left: 0; right: 0; bottom: 0;
  z-index: 1100;
  background: var(--clr-primary);
  display: flex;
  flex-direction: column;
  padding: 2rem clamp(20px, 5vw, 40px);
  transform: translateX(100%);
  transition: transform 0.35s cubic-bezier(0.4,0,0.2,1);
}
.mobile-menu.open { transform: translateX(0); }

.mobile-menu-close {
  align-self: flex-end;
  color: var(--clr-white);
  font-size: 1.5rem;
  padding: 10px;
  min-width: 44px;
  min-height: 44px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 2rem;
  transition: opacity 0.2s ease;
}
.mobile-menu-close:hover { opacity: 0.7; }

.mobile-nav-links { display: flex; flex-direction: column; gap: 0.5rem; flex: 1; }
.mobile-nav-links li a {
  display: block;
  color: rgba(255,255,255,0.85);
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-weight: 600;
  font-size: 1.2rem;
  padding: 14px 0;
  border-bottom: 1px solid rgba(255,255,255,0.1);
  transition: color 0.2s ease;
}
.mobile-nav-links li a:hover { color: var(--clr-white); }

.mobile-cta {
  display: block;
  background: var(--grad-accent);
  color: var(--clr-white);
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-weight: 700;
  font-size: 1rem;
  text-align: center;
  padding: 16px;
  border-radius: var(--radius-md);
  margin-top: 2rem;
  box-shadow: var(--shadow-accent);
}

/* ===== MOBILE BOTTOM NAV ===== */
.mobile-bottom-nav {
  display: flex;
  position: fixed;
  bottom: 0; left: 0; right: 0;
  z-index: 900;
  background: rgba(255,255,255,0.97);
  backdrop-filter: blur(12px);
  border-top: 1px solid var(--clr-border);
  height: 70px;
  box-shadow: 0 -4px 20px rgba(26,39,68,0.10);
}
@media (min-width: 768px) { .mobile-bottom-nav { display: none; } }

.mbn-item {
  flex: 1;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 4px;
  color: var(--clr-text-3);
  font-size: 0.65rem;
  font-weight: 500;
  min-height: 44px;
  transition: color 0.2s ease;
}
.mbn-item i { font-size: 1.1rem; }
.mbn-item.active, .mbn-item:hover { color: var(--clr-accent); }

/* ===== HERO ===== */
.hero {
  min-height: 100vh;
  background: var(--grad-hero);
  padding-top: var(--nav-h);
  display: flex;
  align-items: center;
  position: relative;
  overflow: hidden;
}

.hero::before {
  content: '';
  position: absolute;
  top: -20%;
  right: -10%;
  width: 600px;
  height: 600px;
  background: radial-gradient(circle, rgba(37,99,235,0.2) 0%, transparent 70%);
  pointer-events: none;
}

.hero::after {
  content: '';
  position: absolute;
  bottom: -10%;
  left: -5%;
  width: 400px;
  height: 400px;
  background: radial-gradient(circle, rgba(201,168,76,0.12) 0%, transparent 70%);
  pointer-events: none;
}

.hero-grid {
  max-width: var(--container);
  margin: 0 auto;
  padding: clamp(40px, 6vw, 80px) clamp(16px, 4vw, 40px);
  display: grid;
  grid-template-columns: 1fr;
  grid-template-rows: auto;
  gap: var(--gap);
  width: 100%;
  position: relative;
  z-index: 1;
}

@media (min-width: 768px) {
  .hero-grid {
    grid-template-columns: 1fr 1fr;
    grid-template-rows: auto auto;
  }
}

@media (min-width: 1024px) {
  .hero-grid {
    grid-template-columns: 1.4fr 1fr;
    grid-template-rows: auto 160px;
  }
}

.hero-cell {
  border-radius: var(--radius-xl);
  overflow: hidden;
}

.hero-main {
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.12);
  backdrop-filter: blur(8px);
  padding: clamp(28px, 4vw, 48px);
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
}

@media (min-width: 1024px) {
  .hero-main { grid-row: 1; grid-column: 1; }
  .hero-img-cell { grid-row: 1; grid-column: 2; }
}

.hero-tag {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(201,168,76,0.2);
  color: var(--clr-gold-light);
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  padding: 6px 14px;
  border-radius: 100px;
  width: fit-content;
  border: 1px solid rgba(201,168,76,0.3);
}

.hero-title {
  color: var(--clr-white);
  font-size: clamp(1.8rem, 4vw, 3rem);
  font-weight: 800;
  line-height: 1.15;
}

.hero-accent {
  background: var(--grad-gold);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.hero-desc {
  color: rgba(255,255,255,0.75);
  font-size: clamp(1rem, 1.8vw, 1.1rem);
  line-height: 1.7;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 1rem;
  margin-top: 0.5rem;
}

.hero-actions .btn-ghost {
  color: rgba(255,255,255,0.85);
  border-color: rgba(255,255,255,0.25);
}
.hero-actions .btn-ghost:hover {
  color: var(--clr-white);
  background: rgba(255,255,255,0.1);
  border-color: rgba(255,255,255,0.5);
}

.hero-img-cell {
  position: relative;
  min-height: 280px;
}
.hero-img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  border-radius: var(--radius-xl);
}

.hero-img-badge {
  position: absolute;
  bottom: 16px;
  left: 16px;
  background: rgba(255,255,255,0.15);
  backdrop-filter: blur(12px);
  border: 1px solid rgba(255,255,255,0.25);
  color: var(--clr-white);
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-weight: 600;
  font-size: 0.85rem;
  padding: 10px 16px;
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  gap: 8px;
}

.hero-stat-cell {
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.1);
  backdrop-filter: blur(8px);
  padding: clamp(16px, 2.5vw, 28px);
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 8px;
  transition: background 0.3s ease, transform 0.3s ease;
}
.hero-stat-cell:hover {
  background: rgba(255,255,255,0.1);
  transform: translateY(-3px);
}

@media (min-width: 768px) {
  .hero-stat-1, .hero-stat-2, .hero-stat-3 { grid-column: auto; }
}
@media (min-width: 1024px) {
  .hero-stat-1, .hero-stat-2, .hero-stat-3 {
    grid-row: 2;
  }
  .hero-stat-1 { grid-column: 1; }
  .hero-stat-2 { grid-column: 1; }
  .hero-stat-3 { grid-column: 2; }
}

.stat-icon {
  width: 40px;
  height: 40px;
  background: rgba(37,99,235,0.3);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--clr-accent-light);
  font-size: 1rem;
}

.stat-label {
  color: rgba(255,255,255,0.55);
  font-size: 0.75rem;
  font-weight: 500;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

.stat-value {
  color: var(--clr-white);
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-weight: 700;
  font-size: clamp(0.95rem, 1.8vw, 1.15rem);
}

/* ===== BARRIERS ===== */
.barriers-section { padding: var(--section-py) 0; }

.barriers-bento {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--gap);
}

@media (min-width: 640px) {
  .barriers-bento { grid-template-columns: 1fr 1fr; }
}

@media (min-width: 1024px) {
  .barriers-bento {
    grid-template-columns: 1.3fr 1fr 1fr;
    grid-template-rows: auto;
  }
  .barrier-large { grid-row: 1 / 3; }
  .barrier-accent { grid-column: 2 / 4; }
}

.barrier-card {
  background: var(--clr-surface);
  border-radius: var(--radius-xl);
  padding: clamp(24px, 3vw, 36px);
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--clr-border);
  display: flex;
  flex-direction: column;
  gap: 1rem;
  transition: transform 0.3s ease, box-shadow 0.3s ease;
  position: relative;
  overflow: hidden;
}
.barrier-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
}

.barrier-num {
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: 3rem;
  font-weight: 800;
  color: var(--clr-accent-pale);
  line-height: 1;
}

.barrier-icon {
  width: 52px;
  height: 52px;
  background: var(--clr-accent-pale);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--clr-accent);
  font-size: 1.3rem;
}

.barrier-card h3 { color: var(--clr-primary); }
.barrier-card p { color: var(--clr-text-2); flex: 1; }

.barrier-footer { margin-top: auto; }
.barrier-resolve {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: var(--clr-accent-pale);
  color: var(--clr-accent);
  font-size: 0.8rem;
  font-weight: 600;
  padding: 6px 12px;
  border-radius: 100px;
}

.barrier-accent {
  position: relative;
  padding: 0;
  border: none;
  min-height: 220px;
}
.barrier-bg-img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  border-radius: var(--radius-xl);
  position: absolute;
  inset: 0;
}
.barrier-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(26,39,68,0.85) 0%, rgba(37,99,235,0.7) 100%);
  border-radius: var(--radius-xl);
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  justify-content: flex-end;
  padding: clamp(20px, 3vw, 36px);
  gap: 1rem;
}
.barrier-quote {
  color: var(--clr-white);
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: clamp(1rem, 2vw, 1.2rem);
  font-weight: 600;
  font-style: italic;
  line-height: 1.5;
}

/* ===== SITUATIONS HORIZONTAL SCROLL ===== */
.situations-section {
  padding: var(--section-py) 0;
  background: var(--clr-primary);
  overflow: hidden;
}

.situations-section .section-header { margin-bottom: 0; }
.situations-section .section-tag {
  background: rgba(37,99,235,0.3);
  color: var(--clr-accent-light);
}
.situations-section .section-title { color: var(--clr-white); }
.situations-section .section-subtitle { color: rgba(255,255,255,0.65); }
.situations-section .container { margin-bottom: clamp(30px, 4vw, 48px); }

.horiz-scroll-wrapper {
  position: relative;
  padding: 0 0 clamp(24px, 3vw, 40px);
}

.horiz-scroll-track {
  display: flex;
  gap: var(--gap);
  overflow-x: auto;
  padding: clamp(12px, 2vw, 20px) clamp(16px, 4vw, 40px);
  padding-right: clamp(40px, 6vw, 80px);
  scroll-snap-type: x mandatory;
  scrollbar-width: none;
  -ms-overflow-style: none;
  cursor: grab;
}
.horiz-scroll-track::-webkit-scrollbar { display: none; }
.horiz-scroll-track.dragging { cursor: grabbing; }

.situation-card {
  flex-shrink: 0;
  width: clamp(260px, 75vw, 320px);
  background: rgba(255,255,255,0.07);
  border: 1px solid rgba(255,255,255,0.12);
  backdrop-filter: blur(8px);
  border-radius: var(--radius-xl);
  padding: clamp(20px, 3vw, 30px);
  scroll-snap-align: start;
  display: flex;
  flex-direction: column;
  gap: 1rem;
  transition: background 0.3s ease, transform 0.3s ease;
}
.situation-card:hover {
  background: rgba(255,255,255,0.11);
  transform: translateY(-4px);
}

.sit-icon-wrap {
  width: 52px;
  height: 52px;
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.3rem;
  flex-shrink: 0;
}
.sit-blue { background: rgba(37,99,235,0.3); color: #93c5fd; }
.sit-purple { background: rgba(139,92,246,0.3); color: #c4b5fd; }
.sit-teal { background: rgba(20,184,166,0.3); color: #5eead4; }
.sit-amber { background: rgba(201,168,76,0.3); color: var(--clr-gold-light); }

.situation-card h3 { color: var(--clr-white); font-size: 1.1rem; }
.situation-card p { color: rgba(255,255,255,0.65); font-size: 0.9rem; flex: 1; }

.sit-tools {
  display: flex;
  flex-wrap: wrap;
  gap: 6px;
}
.sit-tools span {
  background: rgba(37,99,235,0.25);
  color: #93c5fd;
  font-size: 0.72rem;
  font-weight: 600;
  padding: 4px 10px;
  border-radius: 100px;
  border: 1px solid rgba(37,99,235,0.3);
}

.sit-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  color: var(--clr-gold-light);
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-weight: 600;
  font-size: 0.85rem;
  margin-top: auto;
  transition: gap 0.2s ease;
}
.sit-link:hover { gap: 10px; color: var(--clr-gold-light); }

.sit-cta-card {
  background: var(--grad-accent) !important;
  border: none !important;
  align-items: center;
  text-align: center;
}
.sit-cta-inner { display: flex; flex-direction: column; align-items: center; gap: 1rem; }
.sit-cta-icon { font-size: 2.5rem; color: rgba(255,255,255,0.4); }
.sit-cta-card h3 { color: var(--clr-white); }
.sit-cta-card p { color: rgba(255,255,255,0.8); }

.horiz-scroll-controls {
  display: flex;
  justify-content: center;
  gap: 12px;
  padding: 0 clamp(16px, 4vw, 40px);
}

.hscroll-btn {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  background: rgba(255,255,255,0.1);
  border: 1px solid rgba(255,255,255,0.2);
  color: var(--clr-white);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.9rem;
  transition: background 0.2s ease, transform 0.2s ease;
}
.hscroll-btn:hover {
  background: rgba(255,255,255,0.2);
  transform: scale(1.1);
}

/* ===== TOOLS SECTION ===== */
.tools-section {
  padding: var(--section-py) 0;
  background: var(--clr-surface-2);
}

.tools-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: clamp(32px, 5vw, 64px);
  align-items: start;
}

@media (min-width: 1024px) {
  .tools-grid { grid-template-columns: 1fr 1.3fr; }
}

.tools-intro { display: flex; flex-direction: column; gap: 1rem; }
.tools-intro p { color: var(--clr-text-2); }

.tools-bento {
  display: grid;
  grid-template-columns: 1fr 1fr;
  grid-template-rows: auto auto auto;
  gap: var(--gap);
}

@media (min-width: 640px) {
  .tools-bento {
    grid-template-columns: 1fr 1fr 1fr;
    grid-template-rows: auto auto;
  }
  .tool-cell-wide { grid-column: 1 / 3; }
  .tool-cell-accent { grid-column: 3; grid-row: 1 / 3; }
  .tool-cell-dark { grid-column: 1 / 3; }
}

.tool-cell {
  background: var(--clr-surface);
  border-radius: var(--radius-lg);
  padding: clamp(18px, 2.5vw, 28px);
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--clr-border);
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
  transition: transform 0.3s ease, box-shadow 0.3s ease;
}
.tool-cell:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); }

.tool-cell-wide { flex-direction: row; align-items: flex-start; gap: 1.25rem; }

.tool-icon {
  width: 48px;
  height: 48px;
  background: var(--clr-accent-pale);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--clr-accent);
  font-size: 1.2rem;
  flex-shrink: 0;
}
.tool-icon-sm { width: 40px; height: 40px; font-size: 1rem; }

.tool-body { flex: 1; }
.tool-cell h4 { color: var(--clr-primary); }
.tool-cell p { color: var(--clr-text-2); font-size: 0.875rem; }

.tool-cell-accent {
  position: relative;
  padding: 0;
  border: none;
  min-height: 200px;
  overflow: hidden;
}
.tool-bg-img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  position: absolute;
  inset: 0;
}
.tool-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg, rgba(26,39,68,0.4) 0%, rgba(26,39,68,0.85) 100%);
  display: flex;
  flex-direction: column;
  justify-content: flex-end;
  padding: 20px;
  gap: 0.5rem;
}
.tool-overlay h4 { color: var(--clr-white); }
.tool-overlay p { color: rgba(255,255,255,0.75); font-size: 0.85rem; }

.tool-cell-dark {
  background: var(--clr-primary);
  border-color: transparent;
  flex-direction: row;
  align-items: flex-start;
  gap: 1.25rem;
}
.tool-cell-dark .tool-icon {
  background: rgba(37,99,235,0.3);
  color: var(--clr-accent-light);
}
.tool-cell-dark h4 { color: var(--clr-white); }
.tool-cell-dark p { color: rgba(255,255,255,0.65); }

/* ===== PROCESS ===== */
.process-section {
  padding: var(--section-py) 0;
  background: var(--clr-surface);
}

.process-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--gap);
}

@media (min-width: 640px) {
  .process-grid { grid-template-columns: 1fr 1fr; }
}

@media (min-width: 1024px) {
  .process-grid { grid-template-columns: repeat(4, 1fr); }
}

.process-step {
  background: var(--clr-surface-2);
  border-radius: var(--radius-xl);
  padding: clamp(24px, 3vw, 36px);
  display: flex;
  flex-direction: column;
  gap: 1rem;
  position: relative;
  border: 1px solid var(--clr-border);
  transition: transform 0.3s ease, box-shadow 0.3s ease;
}
.process-step:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
  background: var(--clr-surface);
}

.step-connector-right::after {
  display: none;
}

@media (min-width: 1024px) {
  .step-connector-right::after {
    content: '';
    display: block;
    position: absolute;
    top: 50%;
    right: calc(-1 * var(--gap) - 1px);
    width: calc(var(--gap) + 2px);
    height: 2px;
    background: linear-gradient(90deg, var(--clr-accent), var(--clr-accent-light));
    transform: translateY(-50%);
    z-index: 1;
  }
}

.step-num {
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: 2.5rem;
  font-weight: 800;
  color: var(--clr-accent-pale);
  line-height: 1;
}

.step-icon {
  width: 52px;
  height: 52px;
  background: var(--clr-accent);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--clr-white);
  font-size: 1.2rem;
  box-shadow: var(--shadow-accent);
}

.process-step h3 { color: var(--clr-primary); }
.process-step p { color: var(--clr-text-2); font-size: 0.9rem; }

/* ===== WHY SECTION ===== */
.why-section {
  padding: var(--section-py) 0;
  background: var(--clr-bg);
}

.why-bento {
  grid-template-columns: 1fr;
  gap: var(--gap);
}

@media (min-width: 768px) {
  .why-bento { grid-template-columns: 1fr 1fr; }
}

@media (min-width: 1024px) {
  .why-bento {
    grid-template-columns: 1fr 1.2fr 1fr;
    grid-template-rows: auto auto;
  }
  .why-cell-img { grid-row: 1 / 3; grid-column: 1; }
  .why-cell-main { grid-row: 1; grid-column: 2 / 4; }
  .why-cell-feature { grid-row: 2; }
  .why-cell-threshold { grid-row: 2; grid-column: 3; }
}

.why-cell {
  border-radius: var(--radius-xl);
  overflow: hidden;
}

.why-cell-img {
  min-height: 300px;
  position: relative;
}
.why-img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  border-radius: var(--radius-xl);
  min-height: 300px;
}

.why-cell-main {
  background: var(--clr-surface);
  border: 1px solid var(--clr-border);
  padding: clamp(28px, 4vw, 48px);
  display: flex;
  flex-direction: column;
  gap: 1rem;
  box-shadow: var(--shadow-sm);
}
.why-cell-main h2 { color: var(--clr-primary); }
.why-cell-main p { color: var(--clr-text-2); }

.why-cell-feature {
  background: var(--clr-surface);
  border: 1px solid var(--clr-border);
  padding: clamp(20px, 2.5vw, 32px);
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
  box-shadow: var(--shadow-sm);
  transition: transform 0.3s ease, box-shadow 0.3s ease;
}
.why-cell-feature:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); }

.feature-icon {
  width: 48px;
  height: 48px;
  background: var(--clr-accent-pale);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--clr-accent);
  font-size: 1.2rem;
}

.why-cell-feature h4 { color: var(--clr-primary); }
.why-cell-feature p { color: var(--clr-text-2); font-size: 0.875rem; }

.why-cell-threshold {
  background: var(--grad-hero);
  padding: clamp(20px, 2.5vw, 32px);
  display: flex;
  align-items: center;
  justify-content: center;
}
.threshold-content {
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
  align-items: flex-start;
}
.threshold-icon {
  font-size: 2rem;
  color: var(--clr-gold-light);
}
.threshold-content h4 { color: rgba(255,255,255,0.8); font-size: 0.9rem; }
.threshold-value {
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: clamp(1.5rem, 3vw, 2rem);
  font-weight: 800;
  color: var(--clr-white);
}
.threshold-content p { color: rgba(255,255,255,0.6); font-size: 0.85rem; }

/* ===== SWIPER SECTION ===== */
.swiper-section {
  padding: var(--section-py) 0;
  background: var(--clr-surface-2);
  overflow: hidden;
}

.practice-card {
  background: var(--clr-surface);
  border-radius: var(--radius-xl);
  overflow: hidden;
  box-shadow: var(--shadow-md);
  border: 1px solid var(--clr-border);
  height: 100%;
  display: flex;
  flex-direction: column;
  transition: transform 0.3s ease, box-shadow 0.3s ease;
}
.practice-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-xl); }

.pc-img-wrap { height: 200px; overflow: hidden; }
.pc-img { width: 100%; height: 100%; object-fit: cover; transition: transform 0.4s ease; }
.practice-card:hover .pc-img { transform: scale(1.04); }

.pc-body {
  padding: clamp(20px, 2.5vw, 28px);
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
  flex: 1;
}

.pc-tag {
  display: inline-flex;
  background: var(--clr-accent-pale);
  color: var(--clr-accent);
  font-size: 0.72rem;
  font-weight: 600;
  padding: 4px 10px;
  border-radius: 100px;
  letter-spacing: 0.04em;
  width: fit-content;
}

.pc-body h3 { color: var(--clr-primary); font-size: 1.1rem; }
.pc-body p { color: var(--clr-text-2); font-size: 0.875rem; flex: 1; }

.pc-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  color: var(--clr-accent);
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-weight: 600;
  font-size: 0.85rem;
  margin-top: auto;
  transition: gap 0.2s ease;
}
.pc-link:hover { gap: 10px; }

.swiper-pagination-bullet { background: var(--clr-border); opacity: 1; }
.swiper-pagination-bullet-active { background: var(--clr-accent); }
.swiper-button-next, .swiper-button-prev { color: var(--clr-accent); }
.swiper-button-next::after, .swiper-button-prev::after { font-size: 1.2rem; font-weight: 700; }

/* ===== CTA SECTION ===== */
.cta-section {
  padding: var(--section-py) 0;
  background: var(--clr-surface);
}

.cta-bento {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--gap);
  background: var(--grad-hero);
  border-radius: var(--radius-2xl);
  overflow: hidden;
  box-shadow: var(--shadow-xl);
}

@media (min-width: 768px) {
  .cta-bento { grid-template-columns: 1.4fr 1fr; }
}

.cta-main {
  padding: clamp(32px, 5vw, 64px);
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
}
.cta-main h2 { color: var(--clr-white); }
.cta-main p { color: rgba(255,255,255,0.75); }
.cta-actions { display: flex; flex-wrap: wrap; gap: 1rem; }
.cta-actions .btn-ghost {
  color: rgba(255,255,255,0.85);
  border-color: rgba(255,255,255,0.25);
}
.cta-actions .btn-ghost:hover {
  background: rgba(255,255,255,0.1);
  border-color: rgba(255,255,255,0.5);
  color: var(--clr-white);
}

.cta-info {
  background: rgba(255,255,255,0.06);
  border-left: 1px solid rgba(255,255,255,0.1);
  padding: clamp(28px, 4vw, 48px);
  display: flex;
  flex-direction: column;
  gap: 1.5rem;
  justify-content: center;
}

.cta-info-item {
  display: flex;
  align-items: flex-start;
  gap: 1rem;
}
.cta-info-item > i {
  width: 40px;
  height: 40px;
  background: rgba(37,99,235,0.3);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--clr-accent-light);
  font-size: 0.95rem;
  flex-shrink: 0;
}
.cta-info-item > div { display: flex; flex-direction: column; gap: 2px; }
.cta-info-item strong { color: rgba(255,255,255,0.6); font-size: 0.75rem; text-transform: uppercase; letter-spacing: 0.05em; }
.cta-info-item span, .cta-info-item a {
  color: var(--clr-white);
  font-size: 0.9rem;
  font-weight: 500;
  transition: color 0.2s ease;
}
.cta-info-item a:hover { color: var(--clr-accent-light); }

/* ===== PAGE HERO ===== */
.page-hero {
  background: var(--grad-hero);
  padding: calc(var(--nav-h) + clamp(40px, 6vw, 80px)) 0 clamp(48px, 7vw, 96px);
  position: relative;
  overflow: hidden;
}
.page-hero::before {
  content: '';
  position: absolute;
  top: 0; right: 0;
  width: 500px; height: 500px;
  background: radial-gradient(circle, rgba(37,99,235,0.15) 0%, transparent 70%);
  pointer-events: none;
}

.page-hero-content { max-width: 720px; }
.page-hero-content h1 { color: var(--clr-white); margin-bottom: 1rem; }
.page-hero-content p { color: rgba(255,255,255,0.75); font-size: clamp(1rem, 1.8vw, 1.15rem); }
.page-hero-content .section-tag {
  background: rgba(37,99,235,0.3);
  color: var(--clr-accent-light);
  margin-bottom: 1.25rem;
}

/* ===== PRINCIPLES ===== */
.principles-section { padding: var(--section-py) 0; background: var(--clr-bg); }

.principles-bento {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--gap);
}

@media (min-width: 768px) {
  .principles-bento { grid-template-columns: 1fr 1fr; }
}

@media (min-width: 1024px) {
  .principles-bento {
    grid-template-columns: 1.3fr 1fr 1fr;
    grid-template-rows: auto auto;
  }
  .principle-large { grid-row: 1 / 3; }
  .principle-img-card { grid-column: 2 / 4; }
}

.principle-card {
  background: var(--clr-surface);
  border-radius: var(--radius-xl);
  padding: clamp(24px, 3vw, 40px);
  border: 1px solid var(--clr-border);
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
  transition: transform 0.3s ease, box-shadow 0.3s ease;
}
.principle-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }

.principle-header {
  display: flex;
  align-items: center;
  gap: 1rem;
}

.principle-num {
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: 2.5rem;
  font-weight: 800;
  color: var(--clr-accent-pale);
}

.principle-icon {
  width: 52px;
  height: 52px;
  background: var(--clr-accent-pale);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--clr-accent);
  font-size: 1.3rem;
}

.principle-card h2 { color: var(--clr-primary); font-size: clamp(1.2rem, 2vw, 1.5rem); }
.principle-card p { color: var(--clr-text-2); }

.principle-highlights { display: flex; flex-direction: column; gap: 0.6rem; margin-top: 0.5rem; }
.ph-item {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  color: var(--clr-text-2);
  font-size: 0.9rem;
}
.ph-item i { color: var(--clr-accent); margin-top: 3px; flex-shrink: 0; }

.principle-img-card {
  position: relative;
  min-height: 280px;
  padding: 0;
  border: none;
}
.principle-img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  border-radius: var(--radius-xl);
  min-height: 280px;
}
.principle-img-overlay {
  position: absolute;
  bottom: 0; left: 0; right: 0;
  background: linear-gradient(0deg, rgba(26,39,68,0.9) 0%, transparent 100%);
  padding: 24px;
  border-radius: 0 0 var(--radius-xl) var(--radius-xl);
}
.principle-img-overlay p {
  color: rgba(255,255,255,0.85);
  font-size: 0.9rem;
  font-style: italic;
}

/* ===== WHAT WE DON'T ===== */
.what-we-dont-section { padding: var(--section-py) 0; background: var(--clr-surface-2); }

.dont-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--gap);
}
@media (min-width: 640px) { .dont-grid { grid-template-columns: repeat(3, 1fr); } }

.dont-card {
  background: var(--clr-surface);
  border-radius: var(--radius-xl);
  padding: clamp(24px, 3vw, 36px);
  border: 1px solid var(--clr-border);
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
  gap: 1rem;
  transition: transform 0.3s ease;
}
.dont-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); }

.dont-icon {
  width: 44px;
  height: 44px;
  background: #fee2e2;
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--clr-danger);
  font-size: 1.1rem;
}
.dont-card h4 { color: var(--clr-primary); }
.dont-card p { color: var(--clr-text-2); font-size: 0.875rem; }

/* ===== REGULATORS ===== */
.regulators-section { padding: var(--section-py) 0; background: var(--clr-bg); }

.reg-bento {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--gap);
}
@media (min-width: 768px) {
  .reg-bento { grid-template-columns: 1fr 1fr; }
  .reg-card-main { grid-column: 1 / 3; }
}
@media (min-width: 1024px) {
  .reg-bento { grid-template-columns: 1.3fr 1fr 1fr; }
  .reg-card-main { grid-column: 1; grid-row: 1 / 3; }
  .reg-card-img { grid-column: 2 / 4; }
}

.reg-card {
  background: var(--clr-surface);
  border-radius: var(--radius-xl);
  padding: clamp(24px, 3vw, 36px);
  border: 1px solid var(--clr-border);
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
  gap: 1rem;
  transition: transform 0.3s ease, box-shadow 0.3s ease;
}
.reg-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); }

.reg-logo-wrap {
  width: 56px;
  height: 56px;
  background: var(--clr-accent-pale);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--clr-accent);
  font-size: 1.5rem;
}

.reg-card h3 { color: var(--clr-primary); }
.reg-card p { color: var(--clr-text-2); font-size: 0.9rem; }

.reg-list { display: flex; flex-direction: column; gap: 0.6rem; }
.reg-list li {
  display: flex;
  align-items: flex-start;
  gap: 8px;
  color: var(--clr-text-2);
  font-size: 0.875rem;
}
.reg-list li i { color: var(--clr-accent); margin-top: 4px; font-size: 0.7rem; flex-shrink: 0; }

.reg-card-img {
  padding: 0;
  border: none;
  min-height: 220px;
  overflow: hidden;
}
.reg-img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  border-radius: var(--radius-xl);
  min-height: 220px;
  transition: transform 0.4s ease;
}
.reg-card-img:hover .reg-img { transform: scale(1.03); }

/* ===== INTL REGULATORS ===== */
.intl-reg-section { padding: var(--section-py) 0; background: var(--clr-surface-2); }

.intl-reg-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--gap);
}
@media (min-width: 640px) { .intl-reg-grid { grid-template-columns: 1fr 1fr; } }
@media (min-width: 1024px) { .intl-reg-grid { grid-template-columns: repeat(4, 1fr); } }

.intl-reg-card {
  background: var(--clr-surface);
  border-radius: var(--radius-xl);
  padding: clamp(20px, 2.5vw, 28px);
  border: 1px solid var(--clr-border);
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
  transition: transform 0.3s ease, box-shadow 0.3s ease;
}
.intl-reg-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }

.ireg-header {
  display: flex;
  align-items: center;
  gap: 0.75rem;
}
.ireg-flag { font-size: 1.75rem; }
.ireg-header h3 { color: var(--clr-primary); }

.ireg-full {
  color: var(--clr-text-3);
  font-size: 0.78rem;
  font-weight: 500;
}

.intl-reg-card p { color: var(--clr-text-2); font-size: 0.875rem; flex: 1; }

.ireg-use {
  background: var(--clr-surface-2);
  border-radius: var(--radius-sm);
  padding: 10px 14px;
  color: var(--clr-text-2);
  font-size: 0.8rem;
  border-left: 3px solid var(--clr-accent);
  margin-top: auto;
}

/* ===== CHARGEBACK ===== */
.chargeback-section { padding: var(--section-py) 0; background: var(--clr-surface); }

.chargeback-bento {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--gap);
}
@media (min-width: 768px) {
  .chargeback-bento { grid-template-columns: 1.3fr 1fr 1fr; }
  .cb-card-main { grid-row: 1 / 2; grid-column: 1 / 3; }
}
@media (min-width: 1024px) {
  .cb-card-main { grid-row: 1 / 2; grid-column: 1; }
}

.cb-card {
  background: var(--clr-surface-2);
  border-radius: var(--radius-xl);
  padding: clamp(24px, 3vw, 36px);
  border: 1px solid var(--clr-border);
  display: flex;
  flex-direction: column;
  gap: 1rem;
  transition: transform 0.3s ease, box-shadow 0.3s ease;
}
.cb-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); }

.cb-card-main { background: var(--clr-surface); box-shadow: var(--shadow-sm); }
.cb-card-main h3 { color: var(--clr-primary); }
.cb-card-main p { color: var(--clr-text-2); }

.cb-icon {
  width: 44px;
  height: 44px;
  background: var(--clr-accent-pale);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--clr-accent);
  font-size: 1.1rem;
}
.cb-card h4 { color: var(--clr-primary); }
.cb-card p { color: var(--clr-text-2); font-size: 0.875rem; }

/* ===== FRAUD TYPES ===== */
.fraud-types-section { padding: var(--section-py) 0; background: var(--clr-bg); }

.fraud-types-bento {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--gap);
}
@media (min-width: 768px) {
  .fraud-types-bento { grid-template-columns: 1fr 1fr; }
  .fraud-card-large { grid-column: 1 / 3; }
}
@media (min-width: 1024px) {
  .fraud-types-bento { grid-template-columns: 1fr 1fr 1fr; }
  .fraud-card-large { grid-column: 1 / 3; }
  .fraud-card-dark { grid-column: 2 / 4; }
  .fraud-card-img-overlay { grid-column: 3; grid-row: 2; }
}

.fraud-card {
  background: var(--clr-surface);
  border-radius: var(--radius-xl);
  padding: clamp(24px, 3vw, 40px);
  border: 1px solid var(--clr-border);
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
  transition: transform 0.3s ease, box-shadow 0.3s ease;
}
.fraud-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }

.fraud-card-header {
  display: flex;
  align-items: flex-start;
  gap: 1.25rem;
  flex-wrap: wrap;
}
.fraud-meta { flex: 1; }

.fraud-icon-wrap {
  width: 56px;
  height: 56px;
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.4rem;
  flex-shrink: 0;
}
.fraud-blue { background: rgba(37,99,235,0.12); color: var(--clr-accent); }
.fraud-purple { background: rgba(139,92,246,0.12); color: #7c3aed; }
.fraud-teal { background: rgba(20,184,166,0.12); color: #0d9488; }
.fraud-amber { background: rgba(201,168,76,0.12); color: #92400e; }

.fraud-tag {
  display: inline-flex;
  background: var(--clr-accent-pale);
  color: var(--clr-accent);
  font-size: 0.72rem;
  font-weight: 600;
  padding: 4px 10px;
  border-radius: 100px;
  margin-bottom: 0.5rem;
  width: fit-content;
}

.fraud-card h2, .fraud-card h3 { color: var(--clr-primary); }
.fraud-card p { color: var(--clr-text-2); }
.fraud-body { display: flex; flex-direction: column; gap: 1rem; }

.fraud-signals h4, .fraud-tools h4 { color: var(--clr-primary); font-size: 0.9rem; margin-bottom: 0.5rem; }
.fraud-signals ul { display: flex; flex-direction: column; gap: 0.4rem; }
.fraud-signals li {
  color: var(--clr-text-2);
  font-size: 0.875rem;
  padding-left: 1rem;
  position: relative;
}
.fraud-signals li::before {
  content: '·';
  position: absolute;
  left: 0;
  color: var(--clr-accent);
  font-weight: 700;
}

.ft-tags { display: flex; flex-wrap: wrap; gap: 6px; }
.ft-tags span {
  background: var(--clr-accent-pale);
  color: var(--clr-accent);
  font-size: 0.75rem;
  font-weight: 600;
  padding: 5px 12px;
  border-radius: 100px;
}
.ft-tags-light span {
  background: rgba(255,255,255,0.15);
  color: rgba(255,255,255,0.85);
}

.fraud-card-dark {
  background: var(--clr-primary);
  border-color: transparent;
}
.fraud-card-dark h3 { color: var(--clr-white); }
.fraud-card-dark p { color: rgba(255,255,255,0.7); }
.fraud-card-dark .fraud-icon-wrap.fraud-amber {
  background: rgba(201,168,76,0.25);
  color: var(--clr-gold-light);
}

.fraud-card-img-overlay {
  position: relative;
  padding: 0;
  border: none;
  min-height: 280px;
  overflow: hidden;
}
.fraud-bg-img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  position: absolute;
  inset: 0;
  border-radius: var(--radius-xl);
}
.fraud-overlay-content {
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(26,39,68,0.88) 0%, rgba(37,99,235,0.75) 100%);
  border-radius: var(--radius-xl);
  display: flex;
  flex-direction: column;
  justify-content: flex-end;
  padding: clamp(20px, 3vw, 32px);
  gap: 0.75rem;
}
.fraud-overlay-content h3 { color: var(--clr-white); }
.fraud-overlay-content p { color: rgba(255,255,255,0.8); font-size: 0.875rem; }

/* ===== RED FLAGS ===== */
.red-flags-section { padding: var(--section-py) 0; background: var(--clr-surface-2); }

.red-flags-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--gap);
}
@media (min-width: 640px) { .red-flags-grid { grid-template-columns: 1fr 1fr; } }
@media (min-width: 1024px) { .red-flags-grid { grid-template-columns: repeat(3, 1fr); } }

.rf-card {
  background: var(--clr-surface);
  border-radius: var(--radius-xl);
  padding: clamp(20px, 2.5vw, 28px);
  border: 1px solid var(--clr-border);
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
  transition: transform 0.3s ease, box-shadow 0.3s ease;
}
.rf-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); }

.rf-icon {
  width: 44px;
  height: 44px;
  background: #fee2e2;
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--clr-danger);
  font-size: 1.1rem;
}
.rf-card h4 { color: var(--clr-primary); }
.rf-card p { color: var(--clr-text-2); font-size: 0.875rem; }

/* ===== CONTACT ===== */
.contact-section { padding: var(--section-py) 0; background: var(--clr-bg); }

.contact-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: clamp(32px, 5vw, 64px);
}
@media (min-width: 1024px) { .contact-grid { grid-template-columns: 1.2fr 1fr; } }

.contact-form-wrap h2 { color: var(--clr-primary); margin-bottom: 0.5rem; }
.contact-form-desc { color: var(--clr-text-2); margin-bottom: 2rem; }

.contact-form { display: flex; flex-direction: column; gap: 1.25rem; }

.form-group { display: flex; flex-direction: column; gap: 6px; }
.form-group label {
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--clr-primary);
}
.req { color: var(--clr-accent); }

.form-group input,
.form-group textarea,
.form-group select {
  background: var(--clr-surface);
  border: 1.5px solid var(--clr-border);
  border-radius: var(--radius-md);
  padding: 13px 16px;
  font-family: 'Inter', sans-serif;
  font-size: 0.95rem;
  color: var(--clr-text);
  transition: border-color 0.2s ease, box-shadow 0.2s ease;
  width: 100%;
}
.form-group input:focus,
.form-group textarea:focus {
  outline: none;
  border-color: var(--clr-accent);
  box-shadow: 0 0 0 3px rgba(37,99,235,0.12);
}
.form-group input::placeholder,
.form-group textarea::placeholder { color: var(--clr-text-3); }
.form-group textarea { resize: vertical; min-height: 120px; }

.form-checkbox { flex-direction: row; align-items: flex-start; gap: 12px; }
.checkbox-label {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  cursor: pointer;
  font-size: 0.85rem;
  color: var(--clr-text-2);
  line-height: 1.5;
}
.checkbox-label input[type="checkbox"] { display: none; }
.checkmark {
  width: 20px;
  height: 20px;
  min-width: 20px;
  border: 2px solid var(--clr-border);
  border-radius: 4px;
  background: var(--clr-surface);
  display: flex;
  align-items: center;
  justify-content: center;
  transition: background 0.2s ease, border-color 0.2s ease;
  margin-top: 2px;
}
.checkbox-label input:checked + .checkmark {
  background: var(--clr-accent);
  border-color: var(--clr-accent);
}
.checkbox-label input:checked + .checkmark::after {
  content: '✓';
  color: white;
  font-size: 0.75rem;
  font-weight: 700;
}
.checkbox-label a { color: var(--clr-accent); text-decoration: underline; }

.contact-info-cards { display: flex; flex-direction: column; gap: var(--gap); margin-bottom: var(--gap); }

.ci-card {
  background: var(--clr-surface);
  border-radius: var(--radius-xl);
  padding: clamp(18px, 2.5vw, 24px);
  border: 1px solid var(--clr-border);
  box-shadow: var(--shadow-sm);
  display: flex;
  align-items: flex-start;
  gap: 1rem;
  transition: transform 0.3s ease;
}
.ci-card:hover { transform: translateY(-2px); box-shadow: var(--shadow-md); }

.ci-icon {
  width: 44px;
  height: 44px;
  background: var(--clr-accent-pale);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--clr-accent);
  font-size: 1rem;
  flex-shrink: 0;
}

.ci-body { display: flex; flex-direction: column; gap: 2px; }
.ci-body h4 { color: var(--clr-primary); font-size: 0.9rem; }
.ci-body p, .ci-body a { color: var(--clr-text-2); font-size: 0.875rem; }
.ci-body a { transition: color 0.2s ease; }
.ci-body a:hover { color: var(--clr-accent); }

.ci-card-note { background: var(--clr-surface-2); }

/* ===== THANKS ===== */
.thanks-section {
  min-height: calc(100vh - var(--nav-h) - 200px);
  display: flex;
  align-items: center;
  padding: calc(var(--nav-h) + 60px) 0 60px;
  background: var(--clr-bg);
}

.thanks-card {
  max-width: 600px;
  margin: 0 auto;
  background: var(--clr-surface);
  border-radius: var(--radius-2xl);
  padding: clamp(40px, 6vw, 72px);
  text-align: center;
  box-shadow: var(--shadow-xl);
  border: 1px solid var(--clr-border);
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 1.25rem;
}

.thanks-icon {
  font-size: 4rem;
  color: var(--clr-success);
}

.thanks-card h1 { color: var(--clr-primary); font-size: clamp(1.6rem, 3vw, 2.2rem); }
.thanks-card p { color: var(--clr-text-2); }
.thanks-note { color: var(--clr-text-3); font-size: 0.875rem; font-style: italic; }
.thanks-actions { display: flex; flex-wrap: wrap; gap: 1rem; justify-content: center; margin-top: 0.5rem; }

/* ===== LEGAL PAGES ===== */
.legal-page-section {
  padding: calc(var(--nav-h) + clamp(40px, 6vw, 80px)) 0 var(--section-py);
  background: var(--clr-bg);
  min-height: 100vh;
}

.legal-content { max-width: 780px; }

.legal-header { margin-bottom: 2.5rem; padding-bottom: 2rem; border-bottom: 1px solid var(--clr-border); }
.legal-header h1 { color: var(--clr-primary); }
.legal-date { color: var(--clr-text-3); font-size: 0.875rem; margin-top: 0.5rem; }

.legal-body { display: flex; flex-direction: column; gap: 1.5rem; }
.legal-body h2 {
  font-size: clamp(1.1rem, 2vw, 1.3rem);
  color: var(--clr-primary);
  margin-top: 1rem;
  padding-top: 1rem;
  border-top: 1px solid var(--clr-border);
}
.legal-body h3 { font-size: 1rem; color: var(--clr-primary); }
.legal-body p { color: var(--clr-text-2); font-size: 0.9375rem; }
.legal-body ul { display: flex; flex-direction: column; gap: 0.5rem; padding-left: 0; }
.legal-body ul li {
  color: var(--clr-text-2);
  font-size: 0.9375rem;
  padding-left: 1.25rem;
  position: relative;
}
.legal-body ul li::before {
  content: '—';
  position: absolute;
  left: 0;
  color: var(--clr-accent);
}
.legal-body a { color: var(--clr-accent); text-decoration: underline; }

/* ===== FOOTER ===== */
.footer {
  background: var(--clr-primary);
  color: var(--clr-white);
}

.footer-inner {
  max-width: var(--container);
  margin: 0 auto;
  padding: clamp(48px, 7vw, 80px) clamp(16px, 4vw, 40px);
  display: grid;
  grid-template-columns: 1fr;
  gap: clamp(40px, 5vw, 64px);
}

@media (min-width: 768px) {
  .footer-inner { grid-template-columns: 1.3fr 1fr; }
}

.footer-brand { display: flex; flex-direction: column; gap: 1.25rem; }
.footer-logo-img { height: 36px; width: auto; filter: brightness(0) invert(1); }

.footer-story {
  color: rgba(255,255,255,0.65);
  font-size: 0.9rem;
  line-height: 1.7;
  max-width: 400px;
}

.footer-cta { align-self: flex-start; }

.footer-links {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: clamp(24px, 3vw, 40px);
}

.footer-col h4 {
  color: rgba(255,255,255,0.55);
  font-size: 0.72rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin-bottom: 1rem;
}

.footer-col ul { display: flex; flex-direction: column; gap: 0.5rem; }
.footer-col ul li a {
  color: rgba(255,255,255,0.75);
  font-size: 0.875rem;
  transition: color 0.2s ease;
}
.footer-col ul li a:hover { color: var(--clr-white); }
.footer-col ul li { color: rgba(255,255,255,0.65); font-size: 0.875rem; }

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.1);
  padding: 1.5rem clamp(16px, 4vw, 40px);
  max-width: var(--container);
  margin: 0 auto;
  width: 100%;
}
.footer-bottom p {
  color: rgba(255,255,255,0.4);
  font-size: 0.8rem;
  text-align: center;
}

/* ===== COOKIE CONSENT ===== */
.cookie-banner {
  position: fixed;
  bottom: 80px;
  left: 16px;
  right: 16px;
  z-index: 9999;
  background: var(--clr-surface);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-xl);
  border: 1px solid var(--clr-border);
  padding: clamp(20px, 3vw, 28px);
  max-width: 520px;
  animation: slideUp 0.4s cubic-bezier(0.4,0,0.2,1);
}

@media (min-width: 768px) {
  .cookie-banner {
    bottom: 24px;
    left: 24px;
    right: auto;
  }
}

@keyframes slideUp {
  from { transform: translateY(20px); opacity: 0; }
  to { transform: translateY(0); opacity: 1; }
}

.cookie-banner h3 {
  color: var(--clr-primary);
  font-size: 1rem;
  margin-bottom: 0.5rem;
}
.cookie-banner p {
  color: var(--clr-text-2);
  font-size: 0.85rem;
  margin-bottom: 1.25rem;
  line-height: 1.6;
}
.cookie-banner a { color: var(--clr-accent); text-decoration: underline; }

.cookie-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
}

.cookie-btn {
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-weight: 600;
  font-size: 0.8rem;
  padding: 9px 16px;
  border-radius: var(--radius-sm);
  cursor: pointer;
  transition: all 0.2s ease;
  border: none;
}

.cookie-btn-accept {
  background: var(--grad-accent);
  color: white;
  box-shadow: var(--shadow-accent);
}
.cookie-btn-accept:hover { transform: translateY(-1px); }

.cookie-btn-reject {
  background: var(--clr-surface-2);
  color: var(--clr-text-2);
  border: 1px solid var(--clr-border);
}
.cookie-btn-reject:hover { background: var(--clr-surface-3); }

.cookie-btn-customize {
  background: transparent;
  color: var(--clr-accent);
  border: 1px solid var(--clr-accent-pale);
}
.cookie-btn-customize:hover { background: var(--clr-accent-pale); }

.cookie-modal-overlay {
  position: fixed;
  inset: 0;
  z-index: 10000;
  background: rgba(0,0,0,0.5);
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 16px;
}

.cookie-modal {
  background: var(--clr-surface);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-xl);
  padding: clamp(24px, 4vw, 40px);
  max-width: 480px;
  width: 100%;
  max-height: 80vh;
  overflow-y: auto;
}

.cookie-modal h3 { color: var(--clr-primary); margin-bottom: 1rem; }
.cookie-modal p { color: var(--clr-text-2); font-size: 0.875rem; margin-bottom: 1.5rem; }

.cookie-category {
  background: var(--clr-surface-2);
  border-radius: var(--radius-md);
  padding: 16px;
  margin-bottom: 12px;
  border: 1px solid var(--clr-border);
}

.cookie-category-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 6px;
}
.cookie-category-header strong { color: var(--clr-primary); font-size: 0.9rem; }
.cookie-category p { color: var(--clr-text-3); font-size: 0.8rem; margin-bottom: 0; }

.toggle-switch {
  position: relative;
  width: 44px;
  height: 24px;
  flex-shrink: 0;
}
.toggle-switch input { display: none; }
.toggle-slider {
  position: absolute;
  inset: 0;
  background: var(--clr-border);
  border-radius: 100px;
  cursor: pointer;
  transition: background 0.2s ease;
}
.toggle-slider::before {
  content: '';
  position: absolute;
  width: 18px;
  height: 18px;
  left: 3px;
  top: 3px;
  background: white;
  border-radius: 50%;
  transition: transform 0.2s ease;
  box-shadow: var(--shadow-xs);
}
.toggle-switch input:checked + .toggle-slider { background: var(--clr-accent); }
.toggle-switch input:checked + .toggle-slider::before { transform: translateX(20px); }
.toggle-switch input:disabled + .toggle-slider { opacity: 0.6; cursor: not-allowed; }

.cookie-modal-actions {
  display: flex;
  gap: 10px;
  margin-top: 1.5rem;
  flex-wrap: wrap;
}

/* ===== SCROLL ANIMATIONS ===== */
.fade-in {
  opacity: 0;
  transform: translateY(24px);
  transition: opacity 0.6s ease, transform 0.6s ease;
}
.fade-in.visible {
  opacity: 1;
  transform: translateY(0);
}
.fade-in-delay-1 { transition-delay: 0.1s; }
.fade-in-delay-2 { transition-delay: 0.2s; }
.fade-in-delay-3 { transition-delay: 0.3s; }

/* ===== UTILITIES ===== */
.sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip
: rect(0,0,0,0);
  white-space: nowrap;
  border: 0;
}

/* ===== ITI OVERRIDES ===== */
.iti { width: 100%; }
.iti__flag-container { z-index: 10; }
.iti__selected-flag { border-radius: var(--radius-md) 0 0 var(--radius-md); }