html,body{margin:0!important;padding:0!important;}
*{margin:0;padding:0;box-sizing:border-box;}

:root{
  --navy:#0E6B54;
  --navy-deep:#084A3B;
  --paper:#FBFAF6;
  --card:#FFFFFF;
  --gold:#F3B400;
  --gold-deep:#C98A00;
  --gold-soft:#FFE08A;
  --mint:#14B8A6;
  --ink:#123A2E;
  --ink-dim:#5B6E68;
  --line:#E7E4DB;
  --radius-lg:24px;
  --content-max:88rem;
  --side-gutter:42px;
}
body{background:var(--paper); color:var(--ink); font-family:'Inter',sans-serif; line-height:1.6; -webkit-font-smoothing:antialiased; overflow-x:hidden;}
h1,h2,h3,h4{font-family:'Inter',sans-serif; font-weight:400; letter-spacing:-0.03em; color:var(--ink);}
em,i,cite{font-style:normal;}
a{color:inherit; text-decoration:none;}
img{max-width:100%; display:block; width:100%; height:100%; object-fit:cover;}
button{font-family:inherit;}
.wrap{max-width:var(--content-max); margin:0 auto; padding:0 var(--side-gutter);}
@media(max-width:640px){.wrap{padding:0 22px;} :root{--side-gutter:22px;}}
.fw{width:100vw; position:relative; left:50%; margin-left:-50vw!important; z-index:0;}

.pill-btn{display:inline-flex!important; align-items:center!important; gap:12px!important; background:var(--navy); color:#fff!important; font-size:1rem; font-weight:500; padding:8px 8px 8px 28px!important; border-radius:100px!important; transition:background .3s cubic-bezier(.4,0,.2,1), transform .3s cubic-bezier(.4,0,.2,1), box-shadow .3s cubic-bezier(.4,0,.2,1);}
.pill-btn:hover{background:var(--navy-deep); transform:translateY(-2px); box-shadow:0 12px 28px -10px rgba(0,0,0,.45);}
.pill-btn .arrow-c{background:#fff; border-radius:100px; padding:9px; display:flex; align-items:center; justify-content:center; flex-shrink:0; transition:transform .3s cubic-bezier(.4,0,.2,1);}
.pill-btn:hover .arrow-c{transform:rotate(45deg);}
.pill-btn .arrow-c i{color:var(--navy); font-size:1.05rem;}
.pill-btn.gold{background:var(--gold); color:#171a2e!important;}
.pill-btn.gold:hover{background:#FFC61A;}
.line-btn{display:inline-flex; align-items:center; gap:10px; padding:14px 24px; border-radius:100px; border:1.5px solid var(--line); background:var(--card); color:var(--ink)!important; font-weight:600; font-size:.95rem; transition:border-color .25s ease, background .25s ease, color .25s ease;}
.line-btn:hover{border-color:var(--navy); background:var(--navy); color:#fff!important;}

.eyebrow{display:inline-flex; align-items:center; gap:8px; font-size:.76rem; font-weight:700; letter-spacing:.1em; text-transform:uppercase; color:var(--gold-deep); margin-bottom:14px;}
.eyebrow::before{content:''; width:18px; height:2px; border-radius:2px; background:var(--gold);}

@keyframes fade-up{from{opacity:0; transform:translateY(24px);} to{opacity:1; transform:translateY(0);}}
.animate-fade-up{opacity:0; animation:fade-up .8s cubic-bezier(0.16,1,0.3,1) forwards;}
@keyframes bk-float{0%,100%{transform:translateY(0);} 50%{transform:translateY(-10px);}}
@keyframes bk-spin{to{transform:rotate(360deg);}}
@keyframes bk-mq{from{transform:translateX(0);} to{transform:translateX(-50%);}}

/* ===== BANKING HERO (light, art bleeds to the right edge) ===== */
.bh-sec{position:relative; overflow:hidden; padding:120px 0 0;
  background:
    radial-gradient(40% 55% at 0% 0%, rgba(243,180,0,.12) 0%, rgba(243,180,0,0) 70%),
    radial-gradient(30% 40% at 45% 100%, rgba(20,184,166,.10) 0%, rgba(20,184,166,0) 70%),
    var(--paper);}
.bh-sec::before{content:""; position:absolute; inset:0; pointer-events:none;
  background-image:radial-gradient(rgba(14,107,84,.14) 1px, transparent 1px); background-size:22px 22px;
  -webkit-mask-image:radial-gradient(50% 60% at 20% 30%, #000 0%, transparent 80%); mask-image:radial-gradient(50% 60% at 20% 30%, #000 0%, transparent 80%);}
.bh-inner{position:relative; z-index:2; min-height:clamp(560px, calc(100vh - 190px), 680px); display:flex; align-items:center; padding-bottom:60px;}
.bh-text{max-width:620px;}
.bh-tag{display:inline-flex; align-items:center; gap:10px; padding:6px 16px 6px 6px; border-radius:100px; background:var(--card); border:1px solid var(--line); font-size:.82rem; font-weight:600; color:var(--ink); margin-bottom:26px; box-shadow:0 10px 30px -20px rgba(14,107,84,.4);}
.bh-tag span{display:inline-grid; place-items:center; width:28px; height:28px; border-radius:50%; background:var(--navy); color:var(--gold); font-size:.9rem;}
.bh-title{font-size:clamp(2.3rem, 4.3vw, 4.5rem); font-weight:400; line-height:1.08; letter-spacing:-0.04em; margin-bottom:22px;}
.bh-title span{display:block; white-space:nowrap;}
.bh-title em{position:relative; color:var(--navy); white-space:nowrap;}
.bh-title em::after{content:""; position:absolute; left:0; right:0; bottom:.06em; height:.18em; border-radius:4px; background:var(--gold); opacity:.55; z-index:-1;}
.bh-lead{color:var(--ink-dim); font-size:clamp(1rem, 1.2vw, 1.14rem); line-height:1.7; font-weight:500; max-width:540px; margin-bottom:32px;}
.bh-actions{display:flex; flex-wrap:wrap; gap:14px; margin-bottom:38px;}
.bh-quick{display:flex; flex-wrap:wrap; align-items:center; gap:8px;}
.bh-quick small{font-size:.8rem; font-weight:700; letter-spacing:.06em; text-transform:uppercase; color:var(--ink-dim); margin-right:6px;}
.bh-quick button{appearance:none; cursor:pointer; display:inline-flex; align-items:center; gap:7px; padding:8px 14px; border-radius:100px; border:1px solid var(--line); background:rgba(255,255,255,.8); font-size:.84rem; font-weight:600; color:var(--ink); transition:border-color .25s ease, transform .25s ease, background .25s ease;}
.bh-quick button i{color:var(--gold-deep); font-size:.95rem;}
.bh-quick button:hover{border-color:var(--navy); background:#fff; transform:translateY(-2px);}

.bh-art{position:absolute; right:0; bottom:0; top:70px; width:min(56vw, 900px); z-index:1; pointer-events:none;}
.bh-orb{position:absolute; right:14%; top:50%; width:min(40vw, 600px); aspect-ratio:1; transform:translateY(-52%); border-radius:50%;
  background:radial-gradient(60% 60% at 30% 25%, rgba(255,255,255,.18) 0%, rgba(255,255,255,0) 60%), linear-gradient(160deg, #0F7259 0%, var(--navy-deep) 55%, #05302A 100%);
  box-shadow:0 60px 100px -50px rgba(8,74,59,.8);}
.bh-ring{position:absolute; right:calc(14% - 50px); top:50%; width:calc(min(40vw, 600px) + 100px); aspect-ratio:1; transform:translateY(-52%); pointer-events:none;}
.bh-ring::before{content:""; position:absolute; inset:0; border-radius:50%; border:1.5px dashed rgba(14,107,84,.3); animation:bk-spin 50s linear infinite;}
.bh-img{position:absolute; right:0; bottom:0; width:auto!important; height:98%!important; max-width:none; object-fit:contain; object-position:right bottom;}
.bh-chip{position:absolute; z-index:3; display:flex; align-items:center; gap:10px; padding:9px 18px 9px 9px; border-radius:18px; background:rgba(255,255,255,.94); border:1px solid var(--line); backdrop-filter:blur(8px); -webkit-backdrop-filter:blur(8px); box-shadow:0 24px 44px -22px rgba(8,74,59,.45); animation:bk-float 7s ease-in-out infinite; pointer-events:auto; white-space:nowrap;}
.bh-chip > span{width:40px; height:40px; border-radius:12px; display:grid; place-items:center; font-size:1.15rem; background:var(--navy); color:var(--gold); flex-shrink:0;}
.bh-chip b{display:block; font-size:1.05rem; font-weight:600; line-height:1.15;}
.bh-chip small{display:block; font-size:.74rem; font-weight:500; color:var(--ink-dim);}
.bh-chip.c1{left:6%; top:14%;}
.bh-chip.c2{left:0; top:52%; animation-delay:-2.4s;}
.bh-chip.c2 > span{background:var(--gold); color:#171a2e;}
.bh-chip.c3{right:6%; top:8%; animation-delay:-4.8s;}

.bh-strip{position:relative; z-index:3; border-top:1px solid var(--line); background:rgba(255,255,255,.85); backdrop-filter:blur(8px); -webkit-backdrop-filter:blur(8px); padding:16px 0; overflow:hidden;}
.bh-strip-track{display:flex; width:max-content; animation:bk-mq 40s linear infinite;}
.bh-strip-track span{display:inline-flex; align-items:center; gap:12px; padding:0 26px; font-size:.98rem; font-weight:700; color:rgba(18,58,46,.45); white-space:nowrap;}
.bh-strip-track span::after{content:""; width:6px; height:6px; border-radius:50%; background:var(--gold); margin-left:26px;}

@media(max-width:1100px){
  .bh-art{width:52vw;}
  .bh-chip.c1{left:0;}
}
@media(max-width:960px){
  .bh-sec{padding-top:110px;}
  .bh-inner{min-height:0; padding-bottom:20px;}
  .bh-art{position:relative; top:auto; width:100%; height:440px; margin-top:10px;}
  .bh-orb{right:auto; left:50%; width:360px; transform:translate(-50%, -52%);}
  .bh-ring{right:auto; left:50%; width:440px; transform:translate(-50%, -52%);}
  .bh-img{height:100%!important;}
  .bh-chip.c1{left:4%; top:6%;}
  .bh-chip.c2{left:2%; top:auto; bottom:18%;}
  .bh-chip.c3{right:4%; top:2%;}
}
@media(max-width:560px){
  .bh-title span{white-space:normal;}
  .bh-art{height:340px;}
  .bh-orb{width:280px;}
  .bh-ring{width:340px;}
  .bh-chip{padding:6px 12px 6px 6px; border-radius:14px;}
  .bh-chip > span{width:32px; height:32px; font-size:.95rem; border-radius:10px;}
  .bh-chip b{font-size:.92rem;}
  .bh-chip small{font-size:.68rem;}
  .bh-actions a{flex:1 1 auto; justify-content:center;}
}
@media (prefers-reduced-motion: reduce){ .bh-ring::before, .bh-chip, .bh-strip-track{animation:none;} }

/* ===== SERVICES (tabs) ===== */
.bs-sec{background:var(--card); border-top:1px solid var(--line); padding:110px 0; scroll-margin-top:0;}
.bs-head{display:flex; flex-wrap:wrap; align-items:flex-end; justify-content:space-between; gap:24px; margin-bottom:40px;}
.bs-head h2{font-size:clamp(2rem, 3.8vw, 3rem); line-height:1.12; max-width:620px;}
.bs-head p{color:var(--ink-dim); font-size:1rem; line-height:1.7; font-weight:500; max-width:440px;}

.bs-tabs{position:relative; display:grid; grid-template-columns:repeat(5, 1fr); gap:10px; margin-bottom:36px;}
.bs-tab{appearance:none; cursor:pointer; position:relative; display:flex; align-items:center; gap:14px; padding:16px 18px; border-radius:20px; border:1px solid var(--line); background:var(--paper); text-align:left; color:var(--ink); transition:background .3s ease, border-color .3s ease, transform .3s ease, box-shadow .3s ease;}
.bs-tab:hover{border-color:rgba(14,107,84,.4); transform:translateY(-2px);}
.bs-tab > i{width:46px; height:46px; border-radius:14px; display:grid; place-items:center; font-size:1.35rem; background:rgba(14,107,84,.08); color:var(--navy); flex-shrink:0; transition:background .3s ease, color .3s ease;}
.bs-tab b{display:block; font-size:.98rem; font-weight:600; line-height:1.25;}
.bs-tab small{display:block; font-size:.78rem; font-weight:600; color:var(--ink-dim);}
.bs-tab.active{background:var(--navy); border-color:var(--navy); color:#fff; box-shadow:0 24px 40px -24px rgba(8,74,59,.8);}
.bs-tab.active > i{background:var(--gold); color:#171a2e;}
.bs-tab.active small{color:rgba(255,255,255,.65);}
.bs-tab.active::after{content:""; position:absolute; left:50%; bottom:-7px; width:14px; height:14px; margin-left:-7px; background:var(--navy); transform:rotate(45deg); border-radius:3px;}
.bs-tab:focus-visible{outline:2px solid var(--gold); outline-offset:2px;}

.bs-panel{display:none;}
.bs-panel.active{display:block; animation:bs-in .5s cubic-bezier(.16,1,.3,1);}
@keyframes bs-in{from{opacity:0; transform:translateY(14px);} to{opacity:1; transform:none;}}
.bs-panel-head{display:flex; flex-wrap:wrap; align-items:center; justify-content:space-between; gap:18px; padding:22px 24px; border-radius:22px; background:var(--paper); border:1px solid var(--line); margin-bottom:24px;}
.bs-panel-head h3{font-size:1.5rem; font-weight:500; line-height:1.2; margin-bottom:4px;}
.bs-panel-head p{color:var(--ink-dim); font-size:.92rem; font-weight:500; max-width:620px;}

/* credit card tools */
.cc-tools{display:flex; flex-direction:column; gap:14px; margin-bottom:26px;}
.cc-search{position:relative; max-width:420px; width:100%;}
.cc-search i{position:absolute; left:16px; top:50%; transform:translateY(-50%); color:var(--ink-dim); font-size:1.05rem;}
.cc-search input{width:100%; padding:13px 16px 13px 44px; border-radius:100px; border:1.5px solid var(--line); background:var(--card); font:500 .95rem 'Inter',sans-serif; color:var(--ink); outline:none; transition:border-color .25s ease, box-shadow .25s ease;}
.cc-search input:focus{border-color:var(--navy); box-shadow:0 0 0 4px rgba(14,107,84,.1);}
.cc-filter-row{display:flex; flex-wrap:wrap; align-items:center; gap:8px;}
.cc-filter-row small{font-size:.78rem; font-weight:700; letter-spacing:.06em; text-transform:uppercase; color:var(--ink-dim); margin-right:4px;}
.cc-filter{appearance:none; cursor:pointer; display:inline-flex; align-items:center; gap:7px; padding:9px 15px; border-radius:100px; border:1px solid var(--line); background:var(--card); font-size:.85rem; font-weight:600; color:var(--ink); transition:all .25s ease;}
.cc-filter i{color:var(--gold-deep); font-size:.95rem; transition:color .25s ease;}
.cc-filter:hover{border-color:var(--navy);}
.cc-filter.active{background:var(--ink); border-color:var(--ink); color:#fff;}
.cc-filter.active i{color:var(--gold);}
.cc-filter:focus-visible{outline:2px solid var(--gold); outline-offset:2px;}

.cc-grid{display:grid; grid-template-columns:repeat(4, 1fr); gap:22px;}
.cc-item{display:flex; flex-direction:column; gap:14px; perspective:900px;}
.cc-item.is-hidden{display:none;}
.cc-tile{position:relative; aspect-ratio:1.586; border-radius:18px; padding:18px 20px; color:#fff; overflow:hidden; display:flex; flex-direction:column; justify-content:space-between; background:var(--bg); box-shadow:0 26px 40px -24px rgba(0,0,0,.55); transform-style:preserve-3d; transition:transform .5s cubic-bezier(.16,1,.3,1), box-shadow .5s ease; will-change:transform;}
.cc-tile::before{content:""; position:absolute; right:-30%; top:-60%; width:90%; height:140%; border-radius:50%; background:rgba(255,255,255,.1); pointer-events:none;}
.cc-tile::after{content:""; position:absolute; inset:0; background:linear-gradient(115deg, rgba(255,255,255,0) 30%, rgba(255,255,255,.22) 45%, rgba(255,255,255,0) 60%); transform:translateX(-100%); transition:transform .9s ease; pointer-events:none;}
.cc-item:hover .cc-tile{box-shadow:0 34px 50px -24px rgba(0,0,0,.6);}
.cc-item:hover .cc-tile::after{transform:translateX(100%);}
.cc-top{position:relative; display:flex; align-items:flex-start; justify-content:space-between; gap:8px;}
.cc-bank{font-size:.72rem; font-weight:700; letter-spacing:.08em; text-transform:uppercase; opacity:.85; line-height:1.3;}
.cc-top i{font-size:1.2rem; opacity:.85; transform:rotate(90deg);}
.cc-chip{position:relative; width:38px; height:28px; border-radius:6px; background:linear-gradient(135deg, #F7D774, #C9971A); box-shadow:inset 0 0 0 1px rgba(0,0,0,.15);}
.cc-chip::before, .cc-chip::after{content:""; position:absolute; background:rgba(0,0,0,.18);}
.cc-chip::before{left:0; right:0; top:50%; height:1px;}
.cc-chip::after{top:0; bottom:0; left:50%; width:1px;}
.cc-name{position:relative; font-size:1.02rem; font-weight:600; line-height:1.25; letter-spacing:-0.01em; text-shadow:0 2px 10px rgba(0,0,0,.2);}
.cc-num{position:absolute; right:16px; bottom:14px; font-size:.7rem; font-weight:700; opacity:.55;}
.cc-meta{display:flex; align-items:center; justify-content:space-between; gap:10px;}
.cc-best{display:inline-flex; align-items:center; gap:6px; font-size:.8rem; font-weight:600; color:var(--ink-dim); min-width:0;}
.cc-best i{color:var(--gold-deep); flex-shrink:0;}
.cc-best span{overflow:hidden; text-overflow:ellipsis; white-space:nowrap;}
.cc-apply{flex-shrink:0; display:inline-flex; align-items:center; gap:6px; padding:8px 14px; border-radius:100px; background:var(--navy); color:#fff!important; font-size:.8rem; font-weight:600; transition:background .25s ease, transform .25s ease;}
.cc-apply i{transition:transform .3s ease;}
.cc-apply:hover{background:var(--gold); color:#171a2e!important; transform:translateY(-1px);}
.cc-apply:hover i{transform:rotate(45deg);}
.cc-empty{display:none; padding:40px; text-align:center; border-radius:22px; border:1.5px dashed var(--line); color:var(--ink-dim); font-weight:500;}
.cc-empty.show{display:block;}

/* product rows (demat / accounts / investments / other) */
.pr-grid{display:grid; grid-template-columns:repeat(2, 1fr); gap:16px;}
.pr-card{position:relative; display:grid; grid-template-columns:auto 1fr auto; gap:18px; align-items:center; padding:20px 22px; border-radius:22px; background:var(--card); border:1px solid var(--line); transition:border-color .3s ease, box-shadow .3s ease, transform .35s cubic-bezier(.16,1,.3,1);}
.pr-card:hover{border-color:rgba(243,180,0,.7); transform:translateY(-3px); box-shadow:0 26px 44px -30px rgba(14,107,84,.45);}
.pr-logo{width:58px; height:58px; border-radius:18px; display:grid; place-items:center; background:var(--bg, var(--navy)); color:#fff; font-size:1.1rem; font-weight:700; letter-spacing:-0.02em;}
.pr-logo i{font-size:1.5rem;}
.pr-body{min-width:0;}
.pr-body h4{font-size:1.08rem; font-weight:600; letter-spacing:-0.01em; line-height:1.3; margin-bottom:3px;}
.pr-body p{color:var(--ink-dim); font-size:.86rem; line-height:1.55; font-weight:500; margin-bottom:10px;}
.pr-tags{display:flex; flex-wrap:wrap; gap:6px;}
.pr-tags span{padding:4px 10px; border-radius:100px; font-size:.72rem; font-weight:600; color:var(--navy); background:rgba(14,107,84,.07);}
.pr-go{width:46px; height:46px; border-radius:50%; display:grid; place-items:center; background:var(--paper); border:1px solid var(--line); color:var(--navy); font-size:1.05rem; transition:background .3s ease, color .3s ease, transform .3s ease, border-color .3s ease;}
.pr-card:hover .pr-go{background:var(--gold); border-color:var(--gold); color:#171a2e; transform:rotate(45deg);}
.pr-card .pr-link{position:absolute; inset:0; border-radius:22px;}
.pr-card .pr-link:focus-visible{outline:2px solid var(--gold); outline-offset:2px;}

@media(max-width:1200px){ .cc-grid{grid-template-columns:repeat(3, 1fr);} }
@media(max-width:1024px){
  .bs-tabs{display:flex; overflow-x:auto; padding-bottom:10px; scrollbar-width:none;}
  .bs-tabs::-webkit-scrollbar{display:none;}
  .bs-tab{flex:0 0 auto;}
  .bs-tab.active::after{display:none;}
}
@media(max-width:860px){
  .bs-sec{padding:80px 0;}
  .cc-grid{grid-template-columns:repeat(2, 1fr); gap:18px;}
  .pr-grid{grid-template-columns:1fr;}
}
@media(max-width:520px){
  .cc-grid{grid-template-columns:1fr;}
  .pr-card{grid-template-columns:auto 1fr; padding:18px;}
  .pr-go{display:none;}
  .pr-logo{width:50px; height:50px; border-radius:15px;}
}

/* ===== WHY (bento) ===== */
.bw-sec{background:var(--paper); border-top:1px solid var(--line); padding:110px 0;}
.bw-head{text-align:center; max-width:720px; margin:0 auto 50px;}
.bw-head h2{font-size:clamp(2rem, 3.8vw, 2.9rem); line-height:1.15; margin-bottom:14px;}
.bw-head p{color:var(--ink-dim); font-size:1rem; line-height:1.7; font-weight:500;}
.bw-grid{display:grid; grid-template-columns:1.35fr 1fr 1fr; grid-template-rows:auto auto; gap:18px;}
.bw-tile{position:relative; overflow:hidden; border-radius:26px; padding:30px; background:var(--card); border:1px solid var(--line); transition:transform .4s cubic-bezier(.16,1,.3,1), box-shadow .4s ease, border-color .4s ease;}
.bw-tile:hover{transform:translateY(-4px); border-color:rgba(243,180,0,.6); box-shadow:0 30px 50px -34px rgba(14,107,84,.5);}
.bw-ico{width:52px; height:52px; border-radius:16px; display:grid; place-items:center; font-size:1.45rem; background:rgba(14,107,84,.08); color:var(--navy); margin-bottom:34px; transition:background .35s ease, color .35s ease, transform .45s cubic-bezier(.34,1.56,.64,1);}
.bw-tile:hover .bw-ico{background:var(--gold); color:#171a2e; transform:rotate(-6deg) scale(1.06);}
.bw-tile h4{font-size:1.2rem; font-weight:500; letter-spacing:-0.02em; margin-bottom:8px;}
.bw-tile p{color:var(--ink-dim); font-size:.9rem; line-height:1.65; font-weight:500;}
.bw-big{grid-row:span 2; color:#fff; border:0; display:flex; flex-direction:column; justify-content:space-between; min-height:440px;
  background:radial-gradient(70% 60% at 100% 0%, rgba(243,180,0,.22) 0%, rgba(243,180,0,0) 60%), linear-gradient(160deg, #0F7259 0%, var(--navy-deep) 55%, #05302A 100%);}
.bw-big::after{content:""; position:absolute; right:-80px; bottom:-80px; width:280px; height:280px; border-radius:50%; border:1.5px dashed rgba(255,255,255,.16); animation:bk-spin 40s linear infinite;}
.bw-big .bw-count{font-size:clamp(4.5rem, 8vw, 7rem); font-weight:400; line-height:.9; letter-spacing:-0.06em; color:var(--gold);}
.bw-big h4{color:#fff; font-size:clamp(1.5rem, 2.2vw, 2rem); margin:10px 0 12px;}
.bw-big p{color:rgba(255,255,255,.72); max-width:360px;}
.bw-list{position:relative; z-index:1; display:grid; grid-template-columns:1fr 1fr; gap:10px; margin-top:30px;}
.bw-list div{padding:14px 16px; border-radius:16px; background:rgba(255,255,255,.07); border:1px solid rgba(255,255,255,.12);}
.bw-list b{display:block; font-size:1.5rem; font-weight:500; line-height:1.1; color:#fff;}
.bw-list span{font-size:.8rem; font-weight:600; color:rgba(255,255,255,.65);}
@media(max-width:960px){
  .bw-sec{padding:80px 0;}
  .bw-grid{grid-template-columns:1fr 1fr;}
  .bw-big{grid-column:1 / -1; grid-row:auto; min-height:0;}
}
@media(max-width:560px){ .bw-grid{grid-template-columns:1fr;} .bw-tile{padding:24px;} .bw-ico{margin-bottom:22px;} }
@media (prefers-reduced-motion: reduce){ .bw-big::after{animation:none;} }

/* ===== PROCESS (gold band) ===== */
.bp-sec{position:relative; overflow:hidden; padding:100px 0; background:linear-gradient(160deg, #FFC928 0%, var(--gold) 50%, #E5A800 100%);}
.bp-sec::before{content:""; position:absolute; inset:0; pointer-events:none; background-image:radial-gradient(rgba(23,26,46,.12) 1px, transparent 1px); background-size:20px 20px; -webkit-mask-image:linear-gradient(90deg, #000, transparent 60%); mask-image:linear-gradient(90deg, #000, transparent 60%);}
.bp-head{position:relative; display:flex; flex-wrap:wrap; align-items:flex-end; justify-content:space-between; gap:24px; margin-bottom:50px;}
.bp-head .eyebrow{color:var(--navy-deep);}
.bp-head .eyebrow::before{background:var(--navy-deep);}
.bp-head h2{color:#171a2e; font-size:clamp(2rem, 3.8vw, 3rem); line-height:1.1; max-width:560px;}
.bp-head p{color:rgba(23,26,46,.72); font-size:1rem; line-height:1.7; font-weight:500; max-width:420px;}
.bp-row{position:relative; display:grid; grid-template-columns:repeat(4, 1fr); gap:18px;}
.bp-step{position:relative; padding:28px 26px 30px; border-radius:24px; background:#123A2E; color:#fff; box-shadow:0 30px 50px -30px rgba(23,26,46,.6); transition:transform .4s cubic-bezier(.16,1,.3,1);}
.bp-step:hover{transform:translateY(-6px) rotate(-.5deg);}
.bp-step:nth-child(even){background:#fff; color:var(--ink);}
.bp-top{display:flex; align-items:center; justify-content:space-between; margin-bottom:40px;}
.bp-top i{width:50px; height:50px; border-radius:15px; display:grid; place-items:center; font-size:1.4rem; background:var(--gold); color:#171a2e;}
.bp-step:nth-child(even) .bp-top i{background:var(--navy); color:var(--gold);}
.bp-top span{font-size:2.6rem; font-weight:400; letter-spacing:-0.05em; line-height:1; color:transparent; -webkit-text-stroke:1.2px rgba(255,255,255,.4);}
.bp-step:nth-child(even) .bp-top span{-webkit-text-stroke:1.2px rgba(18,58,46,.3);}
.bp-step h4{color:inherit; font-size:1.18rem; font-weight:500; letter-spacing:-0.02em; margin-bottom:8px;}
.bp-step p{font-size:.88rem; line-height:1.65; font-weight:500; opacity:.75;}
.bp-arrow{position:absolute; right:-17px; top:50%; z-index:2; width:34px; height:34px; margin-top:-17px; border-radius:50%; display:grid; place-items:center; background:#171a2e; color:var(--gold); font-size:.9rem; border:3px solid var(--gold);}
.bp-step:last-child .bp-arrow{display:none;}
@media(max-width:1000px){ .bp-row{grid-template-columns:1fr 1fr;} .bp-arrow{display:none;} }
@media(max-width:560px){ .bp-sec{padding:70px 0;} .bp-row{grid-template-columns:1fr;} }

/* ===== FAQ (two-column grid) ===== */
.bf-sec{background:var(--card); padding:110px 0;}
.bf-head{text-align:center; max-width:680px; margin:0 auto 46px;}
.bf-head h2{font-size:clamp(2rem, 3.8vw, 2.9rem); line-height:1.15; margin-bottom:12px;}
.bf-head p{color:var(--ink-dim); font-size:1rem; line-height:1.7; font-weight:500;}
.bf-grid{display:grid; grid-template-columns:1fr 1fr; gap:14px; align-items:start;}
.bf-item{border-radius:20px; border:1px solid var(--line); background:var(--paper); overflow:hidden; transition:border-color .3s ease, background .3s ease;}
.bf-item[open]{background:var(--card); border-color:var(--navy);}
.bf-item summary{list-style:none; cursor:pointer; display:flex; align-items:center; gap:14px; padding:20px 20px; font-size:1rem; font-weight:600; color:var(--ink);}
.bf-item summary::-webkit-details-marker{display:none;}
.bf-item summary:focus-visible{outline:2px solid var(--gold); outline-offset:-2px; border-radius:20px;}
.bf-item summary > span{width:30px; height:30px; border-radius:9px; display:grid; place-items:center; flex-shrink:0; font-size:.78rem; font-weight:700; color:var(--navy); background:rgba(14,107,84,.08);}
.bf-item[open] summary > span{background:var(--gold); color:#171a2e;}
.bf-item summary i{margin-left:auto; flex-shrink:0; color:var(--navy); font-size:1rem; transition:transform .35s cubic-bezier(.16,1,.3,1);}
.bf-item[open] summary i{transform:rotate(180deg);}
.bf-item p{padding:0 20px 22px 64px; color:var(--ink-dim); font-size:.92rem; line-height:1.7; font-weight:500;}
@media(max-width:860px){ .bf-sec{padding:80px 0;} .bf-grid{grid-template-columns:1fr;} .bf-item p{padding-left:20px;} }

/* ===== CTA ===== */
.bc-sec{background:var(--card); padding:0 0 100px;}
.bc-box{position:relative; overflow:hidden; border-radius:32px; padding:clamp(34px, 5vw, 64px); display:grid; grid-template-columns:1.2fr 1fr; gap:40px; align-items:center;
  background:radial-gradient(50% 90% at 0% 100%, rgba(243,180,0,.22) 0%, rgba(243,180,0,0) 60%), linear-gradient(160deg, #0F7259 0%, var(--navy-deep) 55%, #05302A 100%);}
.bc-box::before{content:""; position:absolute; right:-60px; top:50%; width:360px; height:230px; margin-top:-115px; border-radius:22px; transform:rotate(-14deg); background:linear-gradient(135deg, rgba(255,255,255,.12), rgba(255,255,255,.02)); border:1px solid rgba(255,255,255,.14);}
.bc-box::after{content:""; position:absolute; right:40px; top:50%; width:360px; height:230px; margin-top:-80px; border-radius:22px; transform:rotate(8deg); background:linear-gradient(135deg, rgba(243,180,0,.35), rgba(243,180,0,.05)); border:1px solid rgba(243,180,0,.3);}
.bc-box > *{position:relative; z-index:1;}
.bc-box h2{color:#fff; font-size:clamp(2rem, 3.6vw, 3rem); line-height:1.1; letter-spacing:-0.035em;}
.bc-box h2 em{color:var(--gold-soft);}
.bc-box p{color:rgba(255,255,255,.75); font-size:1.02rem; line-height:1.7; font-weight:500; margin-top:14px; max-width:520px;}
.bc-actions{display:flex; flex-wrap:wrap; gap:14px; justify-content:flex-end;}
.bc-ghost{display:inline-flex; align-items:center; gap:10px; padding:14px 26px; border-radius:100px; border:1px solid rgba(255,255,255,.35); color:#fff!important; font-weight:500; background:rgba(8,20,18,.25); backdrop-filter:blur(6px); transition:background .3s ease, color .3s ease;}
.bc-ghost:hover{background:#fff; color:var(--navy-deep)!important;}
@media(max-width:900px){ .bc-box{grid-template-columns:1fr;} .bc-actions{justify-content:flex-start;} .bc-box::before, .bc-box::after{opacity:.4;} }
@media(max-width:560px){ .bc-sec{padding-bottom:70px;} .bc-box{border-radius:24px;} .bc-actions a{flex:1 1 auto; justify-content:center;} }

.gs-reveal{opacity:0; transform:translateY(36px); will-change:transform,opacity;}
.gs-left{opacity:0; transform:translateX(-32px); will-change:transform,opacity;}
.gs-right{opacity:0; transform:translateX(32px); will-change:transform,opacity;}
.gs-scale{opacity:0; transform:translateY(24px) scale(.96); will-change:transform,opacity;}
.gs-stagger > *{opacity:0; transform:translateY(24px); will-change:transform,opacity;}
@media (prefers-reduced-motion: reduce){
  .gs-reveal,.gs-left,.gs-right,.gs-scale{opacity:1!important; transform:none!important;}
  .gs-stagger > *{opacity:1!important; transform:none!important;}
  *{animation-duration:.001ms!important; animation-iteration-count:1!important; transition-duration:.001ms!important;}
}