:root {
  --dark: #101014;
  --dark-panel: #1a1a20;
  --dark-line: #2a2a33;
  --gold: #e3c46a;
  --gold-ink: #c9a94e;
  --gold-text-light: #8f6f1d;
  --white: #ffffff;
  --gray: #9a9aa2;
  --gray-strong: #c9c9d0;
  --paper: #faf6ee;
  --paper-card: #fffdf8;
  --paper-line: #e9e0cb;
  --ink: #221c10;
  --ink-soft: #6f6350;
  --radius: 16px;
  --font-display: "Sora", system-ui, sans-serif;
  --font-text: system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
  --font-letter: Georgia, "Times New Roman", serif;
}

* { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; }

body {
  background: var(--dark);
  color: var(--gray);
  font-family: var(--font-text);
  font-size: 17px;
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}

.container { width: min(1060px, 100% - 2.5rem); margin-inline: auto; }
h1, h2, h3 { font-family: var(--font-display); line-height: 1.12; letter-spacing: -0.02em; }
section { padding: 4.5rem 0; }
@media (min-width: 768px) { section { padding: 6.5rem 0; } }

.grain {
  position: relative;
}
.grain::before {
  content: ""; position: absolute; inset: 0; pointer-events: none; z-index: 0;
  opacity: 0.05;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='140' height='140'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.9' numOctaves='2'/%3E%3C/filter%3E%3Crect width='140' height='140' filter='url(%23n)' opacity='0.6'/%3E%3C/svg%3E");
}
.grain > * { position: relative; z-index: 1; }

/* ---------- light / dark section skins ---------- */
.light-sec { background: var(--paper); color: var(--ink-soft); }
.light-sec h2, .light-sec h3 { color: var(--ink); }
.dark-sec h2, .dark-sec h3 { color: var(--white); }

.eyebrow {
  display: inline-block; font-size: 0.78rem; font-weight: 600;
  letter-spacing: 0.16em; text-transform: uppercase; margin-bottom: 1.1rem;
}
.dark-sec .eyebrow, .hero .eyebrow { color: var(--gold); }
.light-sec .eyebrow { color: var(--gold-text-light); }

.section-title { font-size: clamp(1.7rem, 5.5vw, 2.6rem); font-weight: 600; margin-bottom: 0.9rem; }
.section-sub { max-width: 560px; font-size: 1.02rem; }

/* ---------- nav pill ---------- */
.nav { position: fixed; top: 12px; left: 0; right: 0; z-index: 50; pointer-events: none; }
.nav-pill {
  pointer-events: auto;
  display: flex; align-items: center; justify-content: space-between;
  width: min(1060px, 100% - 1.6rem); margin-inline: auto;
  background: rgba(16, 16, 20, 0.82); backdrop-filter: blur(14px);
  border: 1px solid var(--dark-line); border-radius: 999px;
  padding: 0.5rem 0.6rem 0.5rem 1.2rem;
}
.wordmark {
  font-family: var(--font-display); font-weight: 700; font-size: 1.02rem;
  color: var(--white); text-decoration: none; letter-spacing: 0.08em;
}
.wordmark span { color: var(--gold); }
.nav-call {
  display: inline-flex; align-items: center; gap: 0.45rem;
  color: #241d07; background: var(--gold); text-decoration: none; font-weight: 600;
  font-size: 0.9rem; padding: 0.5rem 1rem; border-radius: 999px;
  transition: background 0.2s;
}
.nav-call:hover { background: #efd382; }

/* ---------- buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 0.5rem;
  font-family: var(--font-display); font-weight: 600; font-size: 1rem;
  padding: 0.95rem 1.9rem; border-radius: 999px; text-decoration: none;
  transition: transform 0.15s, background 0.2s, color 0.2s, border-color 0.2s;
  border: 1px solid transparent; cursor: pointer;
}
.btn:active { transform: scale(0.98); }
.btn-gold { background: var(--gold); color: #241d07; }
.btn-gold:hover { background: #efd382; }
.btn-ghost { border-color: var(--dark-line); color: var(--gray-strong); background: transparent; }
.btn-ghost:hover { border-color: var(--gold); color: var(--gold); }

/* ---------- hero cinema ---------- */
.hero { min-height: 100svh; display: flex; align-items: center; padding: 6.5rem 0 4rem; position: relative; }
.hero::after {
  content: ""; position: absolute; inset: auto 0 0 0; height: 120px; pointer-events: none;
  background: radial-gradient(ellipse 60% 100% at 50% 130%, rgba(227, 196, 106, 0.06), transparent 70%);
}
.hero-stage { display: grid; width: 100%; }
.hero-stage > * { grid-area: 1 / 1; }

.cinema { display: flex; justify-content: center; align-items: center; transition: opacity 0.9s ease, transform 0.9s ease; cursor: pointer; }
.hero.revealed .cinema { opacity: 0; transform: translateY(-20px) scale(0.97) rotate(-1deg); pointer-events: none; }
.paper {
  background: #f5f2ea; color: #2b2b2b; font-family: var(--font-letter);
  width: min(460px, 100%); padding: 1.8rem 1.7rem 1.5rem; border-radius: 6px;
  transform: rotate(-0.6deg); position: relative;
  box-shadow: 0 30px 60px rgba(0, 0, 0, 0.45), 0 0 0 0.5px rgba(0, 0, 0, 0.3);
  opacity: 0; translate: 0 16px; transition: opacity 0.6s ease, translate 0.6s ease;
}
.hero.cine-on .paper { opacity: 1; translate: 0 0; }
.paper .bank-head { font-size: 0.72rem; letter-spacing: 0.22em; color: #555; }
.paper .bank-tag { font-size: 0.62rem; color: #999; margin-bottom: 1.1rem; }
.paper .re { font-size: 0.8rem; margin-bottom: 0.8rem; }
.dl-line { font-size: 0.86rem; line-height: 1.55; margin-bottom: 0.55rem; position: relative; width: fit-content; }
.dl-line .ink { position: absolute; left: -5px; right: -7px; top: 50%; height: 15px; translate: 0 -50%; pointer-events: none; mix-blend-mode: multiply; }
.dl-line .ink path {
  fill: none; stroke: var(--gold-ink); stroke-linecap: round; stroke-linejoin: round;
  stroke-dasharray: 100; stroke-dashoffset: 100;
}
.dl-line .ink .s1 { stroke-width: 2.4; opacity: 0.9; transition: stroke-dashoffset 0.62s cubic-bezier(0.5, 0, 0.15, 1); }
.dl-line .ink .s2 { stroke-width: 4.2; opacity: 0.3; transition: stroke-dashoffset 0.62s cubic-bezier(0.5, 0, 0.15, 1) 0.04s; }
.dl-line.struck .ink path { stroke-dashoffset: 0; }
.dl-line.struck { color: #9b9488; transition: color 0.5s ease 0.2s; }

.stamp {
  position: absolute; top: 40%; left: 50%; z-index: 2;
  transform: translate(-50%, -50%) rotate(-14deg) scale(2.4);
  border: 3px solid #b3282d; color: #b3282d; opacity: 0;
  font-family: var(--font-display); font-weight: 700; font-size: 1.6rem; letter-spacing: 0.25em;
  padding: 0.3rem 1rem 0.3rem 1.25rem; border-radius: 4px;
  mix-blend-mode: multiply;
  transition: opacity 0.18s ease, transform 0.24s cubic-bezier(0.2, 2.2, 0.4, 1);
}
.stamp::after {
  content: "DECLINED"; position: absolute; inset: 0; padding: inherit;
  border: inherit; border-radius: inherit; color: inherit;
  transform: rotate(1.6deg) translate(2px, 1px); opacity: 0.35; filter: blur(0.4px);
}
.stamp.in { opacity: 0.92; transform: translate(-50%, -50%) rotate(-14deg) scale(1); }
.skip-hint {
  position: absolute; bottom: -2.2rem; left: 50%; translate: -50% 0;
  font-family: var(--font-text); font-size: 0.72rem; color: #6d6d76; letter-spacing: 0.06em;
  white-space: nowrap;
}

.hero-content { opacity: 0; transform: translateY(18px); transition: opacity 0.9s ease 0.25s, transform 0.9s ease 0.25s; pointer-events: none; }
.hero.revealed .hero-content { opacity: 1; transform: none; pointer-events: auto; }
.hero-content h1 { font-size: clamp(2.5rem, 9.5vw, 4.6rem); font-weight: 700; color: var(--white); margin-bottom: 1.3rem; }
.hero-content h1 .gold { color: var(--gold); display: block; position: relative; }
.hero-sub { max-width: 540px; font-size: 1.12rem; color: var(--gray-strong); margin-bottom: 1.1rem; }
.ah-line { font-size: 0.95rem; color: var(--gold); margin-bottom: 2rem; min-height: 1.5em; }
.hero-ctas { display: flex; flex-direction: column; gap: 0.8rem; margin-bottom: 1.3rem; }
.hero-trust { font-size: 0.9rem; }
.hero-trust strong { color: var(--gray-strong); font-weight: 500; }
@media (min-width: 768px) { .hero-ctas { flex-direction: row; } }

/* ---------- ticker ---------- */
.ticker { overflow: hidden; border-block: 1px solid var(--dark-line); padding: 0.9rem 0; background: var(--dark); }
.ticker-inner { display: flex; width: max-content; animation: tick 36s linear infinite; }
.ticker-inner:hover { animation-play-state: paused; }
.tick-group { display: flex; align-items: center; gap: 2.6rem; padding-right: 2.6rem; white-space: nowrap; }
.tick-label { font-family: var(--font-display); font-size: 0.72rem; font-weight: 600; letter-spacing: 0.18em; color: var(--gold); }
.tick-quote { font-family: var(--font-letter); font-style: italic; font-size: 0.95rem; color: var(--gray); }
@keyframes tick { to { transform: translateX(-50%); } }

/* ---------- cards ---------- */
.grid { display: grid; gap: 1rem; }
@media (min-width: 768px) { .grid-2 { grid-template-columns: 1fr 1fr; } .grid-3 { grid-template-columns: repeat(3, 1fr); } }

.card {
  background: var(--paper-card); border: 1px solid var(--paper-line); border-radius: var(--radius);
  padding: 1.7rem 1.6rem;
  box-shadow: 0 1px 2px rgba(90, 70, 20, 0.04);
}
.card h3 { font-size: 1.22rem; font-weight: 600; margin-bottom: 0.6rem; }
.card p { font-size: 0.98rem; }
.card .icon {
  display: inline-flex; align-items: center; justify-content: center;
  width: 44px; height: 44px; border-radius: 12px; margin-bottom: 1.1rem;
  background: rgba(201, 169, 78, 0.14); color: var(--gold-text-light);
}
.card .icon svg { width: 22px; height: 22px; }
.card-flag { border-color: rgba(201, 169, 78, 0.55); position: relative; }
.card-flag .flag-badge {
  position: absolute; top: 1.3rem; right: 1.3rem;
  font-size: 0.7rem; font-weight: 600; letter-spacing: 0.1em; text-transform: uppercase;
  color: var(--gold-text-light);
}
.card-link { display: inline-block; margin-top: 1rem; color: var(--gold-text-light); text-decoration: none; font-weight: 600; font-size: 0.93rem; }
.card-link:hover { text-decoration: underline; }

/* ---------- bank vision ---------- */
.bv-wrap { display: grid; gap: 2.5rem; align-items: center; }
@media (min-width: 768px) { .bv-wrap { grid-template-columns: 1fr 1.1fr; gap: 4rem; } }
.bv-file {
  background: var(--paper-card); border: 1px solid var(--paper-line); border-radius: var(--radius);
  padding: 1.6rem 1.5rem; box-shadow: 0 14px 40px rgba(90, 70, 20, 0.08);
}
.bv-file .file-head {
  display: flex; justify-content: space-between; align-items: center;
  border-bottom: 1px dashed var(--paper-line); padding-bottom: 0.8rem; margin-bottom: 1.1rem;
  font-size: 0.78rem; letter-spacing: 0.12em; color: var(--ink-soft); text-transform: uppercase;
}
.bv-row { margin-bottom: 1.05rem; }
.bv-row:last-child { margin-bottom: 0; }
.bv-row .lbl { display: block; font-size: 0.76rem; letter-spacing: 0.08em; text-transform: uppercase; color: #a89a78; margin-bottom: 0.2rem; }
.bv-bank { position: relative; display: inline-block; font-family: var(--font-letter); font-size: 0.98rem; color: #5c5344; }
.bv-bank .ink { position: absolute; left: -5px; right: -7px; top: 50%; height: 15px; translate: 0 -50%; pointer-events: none; mix-blend-mode: multiply; }
.bv-bank .ink path { fill: none; stroke: var(--gold-ink); stroke-linecap: round; stroke-linejoin: round; stroke-dasharray: 100; stroke-dashoffset: 100; }
.bv-bank .ink .s1 { stroke-width: 2.2; opacity: 0.9; transition: stroke-dashoffset 0.62s cubic-bezier(0.5, 0, 0.15, 1); }
.bv-bank .ink .s2 { stroke-width: 3.8; opacity: 0.3; transition: stroke-dashoffset 0.62s cubic-bezier(0.5, 0, 0.15, 1) 0.04s; }
.bv-row.on .bv-bank .ink path { stroke-dashoffset: 0; }
.bv-row.on .bv-bank { color: #a39a89; }
.bv-ours {
  display: block; font-family: var(--font-display); font-weight: 600; font-size: 1.05rem; color: var(--ink);
  opacity: 0; transform: translateY(6px); transition: opacity 0.5s ease 0.35s, transform 0.5s ease 0.35s;
}
.bv-row.on .bv-ours { opacity: 1; transform: none; }
.bv-ours .pos { color: #1d7a4f; }
.bv-note { font-size: 0.78rem; color: #a89a78; margin-top: 1.2rem; font-style: italic; }

/* ---------- steps ---------- */
.step .num {
  font-family: var(--font-display); font-size: 2.6rem; font-weight: 700;
  color: transparent; -webkit-text-stroke: 1px var(--gold-ink); margin-bottom: 0.6rem; display: block;
}
.step h3 { font-size: 1.15rem; margin-bottom: 0.45rem; }
.step p { font-size: 0.96rem; }

/* ---------- team ---------- */
.person { overflow: hidden; padding: 0; }
.person .photo { position: relative; aspect-ratio: 4 / 5; overflow: hidden; }
.person .photo img {
  width: 100%; height: 100%; object-fit: cover; display: block;
  filter: grayscale(18%) contrast(1.04);
}
.person .photo::after {
  content: ""; position: absolute; inset: 0;
  background: linear-gradient(180deg, rgba(201, 169, 78, 0.05), rgba(34, 28, 16, 0.25) 92%);
}
.person .info { padding: 1.4rem 1.5rem 1.6rem; }
.person h3 { font-size: 1.3rem; margin-bottom: 0.15rem; }
.person .role { color: var(--gold-text-light); font-size: 0.85rem; font-weight: 600; letter-spacing: 0.06em; text-transform: uppercase; margin-bottom: 0.7rem; }
.person .bio { font-size: 0.95rem; margin-bottom: 1.1rem; }
.contact-row { display: flex; flex-wrap: wrap; gap: 0.5rem; }
.chip {
  display: inline-flex; align-items: center; gap: 0.4rem;
  font-size: 0.88rem; font-weight: 600; text-decoration: none;
  border-radius: 999px; padding: 0.5rem 0.95rem; transition: border-color 0.2s, color 0.2s;
}
.light-sec .chip { color: var(--ink-soft); border: 1px solid var(--paper-line); }
.light-sec .chip:hover { border-color: var(--gold-ink); color: var(--gold-text-light); }
.dark-sec .chip { color: var(--gray-strong); border: 1px solid var(--dark-line); }
.dark-sec .chip:hover { border-color: var(--gold); color: var(--gold); }
.chip svg { width: 15px; height: 15px; }

/* ---------- trust ---------- */
.trustbar { border-top: 1px solid var(--paper-line); padding: 1.6rem 0; background: var(--paper); }
.trustbar .container { display: flex; flex-direction: column; gap: 0.7rem; }
.trust-item { display: flex; align-items: center; gap: 0.6rem; font-size: 0.95rem; color: var(--ink-soft); }
.trust-item svg { width: 17px; height: 17px; color: var(--gold-text-light); flex-shrink: 0; }
@media (min-width: 768px) { .trustbar .container { flex-direction: row; justify-content: space-between; } }

/* ---------- faq ---------- */
.faq details { border-bottom: 1px solid var(--paper-line); }
.faq summary {
  cursor: pointer; list-style: none; display: flex; justify-content: space-between; align-items: center;
  gap: 1rem; padding: 1.25rem 0; font-family: var(--font-display); font-weight: 600;
  font-size: 1.02rem; color: var(--ink);
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; color: var(--gold-text-light); font-size: 1.4rem; font-weight: 400; flex-shrink: 0; transition: transform 0.2s; }
.faq details[open] summary::after { transform: rotate(45deg); }
.faq .a { padding: 0 0 1.3rem; font-size: 0.97rem; max-width: 640px; }

/* ---------- talk (dark close) ---------- */
.talk { background: var(--dark); }
.talk .section-sub { color: var(--gray); }
.talk-grid { display: grid; gap: 2.5rem; }
@media (min-width: 768px) { .talk-grid { grid-template-columns: 1fr 1fr; gap: 4rem; } }
.field { margin-bottom: 1rem; }
.field label { display: block; font-size: 0.85rem; font-weight: 600; color: var(--gray-strong); margin-bottom: 0.4rem; }
.field input, .field select, .field textarea {
  width: 100%; background: var(--dark-panel); border: 1px solid var(--dark-line); border-radius: 10px;
  color: var(--white); font-family: var(--font-text); font-size: 1rem; padding: 0.8rem 0.95rem;
}
.field input:focus, .field select:focus, .field textarea:focus { outline: none; border-color: var(--gold); }
.form-note { font-size: 0.85rem; margin-top: 0.9rem; }
.direct-lines { margin-top: 1.6rem; display: flex; flex-direction: column; gap: 0.6rem; }
.ah-talk { color: var(--gold); font-size: 0.95rem; margin-top: 1.2rem; }

/* ---------- footer ---------- */
footer { padding: 3rem 0 2.5rem; border-top: 1px solid var(--dark-line); font-size: 0.85rem; background: var(--dark); }
footer .cols { display: grid; gap: 1.5rem; margin-bottom: 2rem; }
@media (min-width: 768px) { footer .cols { grid-template-columns: 2fr 1fr 1fr; } }
footer a { color: var(--gray-strong); text-decoration: none; }
footer a:hover { color: var(--gold); }
.compliance { color: #6d6d76; font-size: 0.8rem; line-height: 1.7; }

/* ---------- reveal ---------- */
.reveal { opacity: 0; transform: translateY(18px); transition: opacity 0.6s ease, transform 0.6s ease; }
.reveal.in { opacity: 1; transform: none; }

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  .reveal, .hero-content { opacity: 1; transform: none; transition: none; }
  .cinema { display: none; }
  .hero-content { pointer-events: auto; }
  .ticker-inner { animation: none; }
  .bv-row .bv-bank .ink path { stroke-dashoffset: 0; }
  .bv-row .bv-ours { opacity: 1; transform: none; }
}