/* ==========================================================================
   MASSTREK — Global / Base Styles
   ========================================================================== */

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

html {
  scroll-behavior: smooth;
}

@media (prefers-reduced-motion: reduce) {
  html {
    scroll-behavior: auto;
  }
  *,
  *::before,
  *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
  }
}

body {
  margin: 0;
  font-family: var(--font-body);
  background: var(--color-dark-bg);
  color: var(--color-white);
  line-height: 1.5;
  -webkit-font-smoothing: antialiased;
}

img {
  max-width: 100%;
  display: block;
}

a {
  text-decoration: none;
  color: inherit;
}

ul {
  list-style: none;
  margin: 0;
  padding: 0;
}

button {
  font-family: inherit;
  cursor: pointer;
  border: none;
}

h1, h2, h3, h4, p {
  margin: 0;
}

.container {
  width: 100%;
  max-width: var(--container-width);
  margin-inline: auto;
  padding-inline: 24px;
}

/* Visible keyboard focus */
a:focus-visible,
button:focus-visible {
  outline: 2px solid var(--color-gold-1);
  outline-offset: 3px;
}

.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;
}

/* ==========================================================================
   Homepage — Welcome to Masstrek section
   ========================================================================== */

.welcome {
  position: relative;
  padding-block: 96px;
}

.welcome__card {
  position: relative;
  background:
    radial-gradient(140% 110% at 50% -20%, #2E6DA8 0%, #1C4E84 38%, #0E2C55 72%, #071C3A 100%),
    radial-gradient(90% 70% at 12% 100%, rgba(2, 19, 43, 0.85) 0%, rgba(2, 19, 43, 0) 60%),
    radial-gradient(120% 90% at 82% 8%, rgba(211, 164, 90, 0.28) 0%, rgba(211, 164, 90, 0) 42%);
  border-radius: 28px;
  padding: 56px 64px;
  overflow: hidden;
  box-shadow: 0 40px 80px -32px rgba(0, 0, 0, 0.55);
}

.welcome__eyebrow {
  display: flex;
  align-items: center;
  gap: 12px;
  font-family: var(--font-body);
  font-weight: 600;
  font-style: normal;
  font-size: 13px;
  line-height: 1;
  letter-spacing: 2.2px;
  text-transform: uppercase;
  color: var(--color-white);
  margin-bottom: 20px;
}

.welcome__eyebrow-dash {
  display: inline-block;
  width: 28px;
  height: 1px;
  background: var(--color-white);
}

.welcome__title {
  font-family: var(--font-display);
  font-weight: 800;
  font-style: normal;
  font-size: clamp(2rem, 3.6vw, 52px);
  line-height: 1.15;
  letter-spacing: 0;
  max-width: 800px;
  background: linear-gradient(100deg, #FFFFFF 6.17%, #FFFFFF 42.99%, #A5762F 65.78%, #D3A45A 93.83%);
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
  margin-bottom: 24px;
}

.welcome__description {
  font-family: var(--font-body);
  font-weight: 400;
  font-style: normal;
  font-size: 18px;
  line-height: 30.6px;
  letter-spacing: 0;
  color: var(--color-body-copy);
  max-width: 640px;
  margin-bottom: 32px;
}

.welcome__steps {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-bottom: 32px;
}

.welcome__step {
  display: flex;
  align-items: center;
  gap: 10px;
  font-family: var(--font-body);
  font-weight: 500;
  font-size: 14.5px;
  color: var(--color-white);
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.12);
  border-radius: var(--radius-md);
  padding: 12px 18px;
}

.welcome__step-num {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 20px;
  height: 20px;
  flex-shrink: 0;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.14);
  font-size: 12px;
  font-weight: 600;
}

.welcome__cta {
  font-family: var(--font-body);
  font-weight: 600;
  font-style: normal;
  font-size: 17px;
  line-height: 1;
  letter-spacing: 0;
  text-align: center;
}

/* Floating coins — top-right corner of the card, matching the Figma
   reference. Gentle up/down bob, same animation approach as the
   .what-we-do__chip floats further down the page. */
.welcome__coins {
  position: absolute;
  top: 30%;
  right: 4%;
  width: clamp(160px, 20vw, 260px);
  z-index: 1;
  pointer-events: none;
  animation: welcomeCoinsFloat 6s ease-in-out infinite;
}

.welcome__coins img {
  width: 100%;
  height: auto;
}

@keyframes welcomeCoinsFloat {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-14px); }
}

@media (prefers-reduced-motion: reduce) {
  .welcome__coins {
    animation: none;
  }
}

@media (max-width: 900px) {
  .welcome {
    padding-block: 64px;
  }

  .welcome__card {
    padding: 40px 28px;
  }

  .welcome__coins {
    position: static;
    width: 180px;
    margin: 0 auto 24px;
  }

  .welcome__steps {
    gap: 10px;
  }

  .welcome__step {
    flex: 1 1 calc(50% - 10px);
  }
}

@media (max-width: 480px) {
  .welcome__card {
    padding: 32px 20px;
  }

  .welcome__step {
    flex: 1 1 100%;
  }
}

/* ==========================================================================
   Homepage — What MASSTREK Does section
   ========================================================================== */

.what-we-do {
  position: relative;
  background: var(--color-dark-bg);
  padding-block: 96px;
  overflow: hidden;
}

.what-we-do__inner {
  display: grid;
  grid-template-columns: minmax(0, 560px) 1fr;
  column-gap: 40px;
  row-gap: 56px;
}

.what-we-do__text {
  grid-column: 1;
  grid-row: 1;
}

.what-we-do__media {
  grid-column: 2;
  grid-row: 1;
  position: relative;
  display: flex;
  align-items: center;
  justify-content: center;
}

.what-we-do__media img {
  width: 100%;
  max-width: 420px;
  height: auto;
}

/* Floating status chips — purely decorative, pure-CSS loop (no JS, cheap) */
.what-we-do__chip {
  position: absolute;
  z-index: 2;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(255, 255, 255, 0.1);
  border: 1px solid rgba(255, 255, 255, 0.22);
  border-radius: var(--radius-pill);
  padding: 9px 16px;
  font-family: var(--font-body);
  font-weight: 600;
  font-size: 13px;
  color: var(--color-white);
  white-space: nowrap;
  box-shadow: 0 16px 30px -14px rgba(0, 0, 0, 0.55);
  -webkit-backdrop-filter: blur(10px);
  backdrop-filter: blur(10px);
  animation: whatWeDoFloat 5.5s ease-in-out infinite;
}

.what-we-do__chip svg {
  width: 11px;
  height: 11px;
  flex-shrink: 0;
}

.what-we-do__chip--1 {
  top: 6%;
  left: -4%;
  animation-delay: 0s;
}

.what-we-do__chip--2 {
  top: 44%;
  right: -6%;
  animation-delay: 1.4s;
}

.what-we-do__chip--3 {
  bottom: 8%;
  left: 2%;
  animation-delay: 2.6s;
}

@keyframes whatWeDoFloat {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-10px); }
}

@media (max-width: 900px) {
  .what-we-do__chip {
    font-size: 12px;
    padding: 7px 13px;
  }
}

@media (max-width: 560px) {
  .what-we-do__chip--1 { left: 0; }
  .what-we-do__chip--2 { right: 0; }
}

@media (prefers-reduced-motion: reduce) {
  .what-we-do__chip {
    animation: none;
  }
}

.what-we-do__eyebrow {
  display: inline-flex;
  font-family: var(--font-body);
  font-weight: 600;
  font-style: normal;
  font-size: 14px;
  color: #FFFFFFE5;
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.14);
  border-radius: var(--radius-pill);
  padding: 8px 18px;
  margin-bottom: 24px;
}

.what-we-do__title {
  font-family: var(--font-display);
  font-weight: 800;
  font-style: normal;
  font-size: clamp(2rem, 3.4vw, 52px);
  line-height: 1;
  letter-spacing: -0.5px;
  margin-bottom: 20px;
}

.what-we-do__title span {
  background: linear-gradient(100deg, #FFFFFF 6.17%, #FFFFFF 45.62%, #D3A45A 93.83%);
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
}

.what-we-do__description {
  font-family: var(--font-body);
  font-weight: 400;
  font-size: 18px;
  line-height: 30.6px;
  letter-spacing: 0;
  color: var(--color-body-copy);
  max-width: 480px;
  margin-bottom: 32px;
}

.what-we-do__cta {
  margin-bottom: 28px;
}

.store-badges--muted img {
  opacity: 0.9;
}

.feature-grid {
  grid-column: 1 / -1;
  grid-row: 2;
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 24px;
}

.feature-card {
  background: #FFFFFF0F;
  border-top: 1px solid #FFFFFF1F;
  box-shadow: 0px 4px 41px 0px #0000003D;
  border-radius: var(--radius-md);
  padding: 28px;
}

.feature-card__icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 44px;
  height: 44px;
  border-radius: 10px;
  background: rgba(255, 255, 255, 0.1);
  color: var(--color-white);
  margin-bottom: 24px;
}

.feature-card__icon svg {
  width: 16px;
  height: 16px;
}

.feature-card__title {
  font-family: var(--font-body);
  font-weight: 600;
  font-size: 17px;
  color: var(--color-white);
  margin-bottom: 10px;
}

.feature-card__text {
  font-family: var(--font-body);
  font-weight: 400;
  font-size: 14.5px;
  line-height: 22px;
  color: var(--color-body-copy);
}

@media (max-width: 900px) {
  .what-we-do {
    padding-block: 64px;
  }

  .what-we-do__inner {
    grid-template-columns: 1fr;
    row-gap: 40px;
  }

  .what-we-do__text {
    grid-column: 1;
    grid-row: 1;
  }

  .what-we-do__media {
    grid-column: 1;
    grid-row: 2;
  }

  .feature-grid {
    grid-column: 1;
    grid-row: 3;
    grid-template-columns: 1fr 1fr;
  }
}

@media (max-width: 560px) {
  .feature-grid {
    grid-template-columns: 1fr;
  }
}

/* ==========================================================================
   Homepage — MASSTREK Never Handles Money section
   ========================================================================== */

.peer-payment {
  position: relative;
  background: var(--color-dark-bg);
  padding-block: 96px;
}

.peer-payment__intro {
  text-align: center;
  max-width: 640px;
  margin-inline: auto;
  margin-bottom: 56px;
}

.peer-payment__eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-family: var(--font-body);
  font-weight: 700;
  font-style: normal;
  font-size: 12.5px;
  line-height: 1;
  letter-spacing: 1px;
  text-transform: uppercase;
  background: linear-gradient(100deg, #D3A45A 6.17%, #FFFFFF 50%, #D3A45A 93.83%);
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
  margin-bottom: 18px;
}

.peer-payment__eyebrow-dash {
  display: inline-block;
  width: 22px;
  height: 1px;
  background: var(--color-gold-1);
}

.peer-payment__title {
  font-family: var(--font-display);
  font-weight: 800;
  font-style: normal;
  font-size: clamp(1.75rem, 3vw, 40px);
  line-height: 1.2;
  letter-spacing: -0.5px;
  color: var(--color-white);
}

.peer-payment__title span {
  color: var(--color-gold-1);
}

.peer-payment__grid {
  display: grid;
  grid-template-columns: 1fr 1.15fr 1fr;
  gap: 24px;
  align-items: stretch;
}

.peer-payment__grid--anim > .peer-payment__col:nth-child(1) .peer-card,
.peer-payment__grid--anim > .peer-payment__col:nth-child(3) .peer-card,
.peer-payment__grid--anim > .peer-payment__media {
  transition: opacity 0.6s ease, transform 0.6s cubic-bezier(0.22, 1, 0.36, 1);
}

.peer-payment__grid--anim > .peer-payment__col:nth-child(1) .peer-card {
  opacity: 0;
  transform: translateX(-48px);
}

.peer-payment__grid--anim > .peer-payment__col:nth-child(3) .peer-card {
  opacity: 0;
  transform: translateX(48px);
}

.peer-payment__grid--anim > .peer-payment__media {
  opacity: 0;
  transform: translateY(32px) scale(0.97);
}

.peer-payment__grid--anim.peer-payment__grid--in > .peer-payment__col .peer-card,
.peer-payment__grid--anim.peer-payment__grid--in > .peer-payment__media {
  opacity: 1;
  transform: none;
}

.peer-payment__grid--anim > .peer-payment__col:nth-child(1) .peer-card:nth-child(1) { transition-delay: 0.05s; }
.peer-payment__grid--anim > .peer-payment__col:nth-child(1) .peer-card:nth-child(2) { transition-delay: 0.18s; }
.peer-payment__grid--anim > .peer-payment__col:nth-child(3) .peer-card:nth-child(1) { transition-delay: 0.1s; }
.peer-payment__grid--anim > .peer-payment__col:nth-child(3) .peer-card:nth-child(2) { transition-delay: 0.25s; }

.peer-payment__col {
  display: flex;
  flex-direction: column;
  gap: 24px;
}

.peer-payment__media {
  display: flex;
  align-items: center;
  justify-content: center;
  background: linear-gradient(180deg, rgba(255, 255, 255, 0.06) 0%, rgba(255, 255, 255, 0.02) 100%);
  border-radius: 20px;
  padding: 24px;
}

.peer-payment__media img {
  width: 100%;
  max-width: 260px;
  height: auto;
}

.peer-card {
  flex: 1;
  background: rgba(255, 255, 255, 0.06);
  border-radius: var(--radius-md);
  padding: 28px;
  display: flex;
  flex-direction: column;
}

.peer-card--accent {
  background: rgba(255, 255, 255, 0.08);
}

.peer-card__icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 44px;
  height: 44px;
  border-radius: 10px;
  background: rgba(255, 255, 255, 0.1);
  color: var(--color-white);
  margin-bottom: 20px;
}

.peer-card__icon svg {
  width: 18px;
  height: 18px;
}

.peer-card__title {
  font-family: var(--font-display);
  font-weight: 800;
  font-style: normal;
  font-size: 24px;
  color: #FFFFFF;
  margin-bottom: 10px;
}

.peer-card__text {
  font-family: var(--font-body);
  font-weight: 300;
  font-style: normal;
  font-size: 14.5px;
  line-height: 1.5;
  color: #FFFFFFC7;
}

@media (max-width: 900px) {
  .peer-payment {
    padding-block: 64px;
  }

  .peer-payment__grid {
    grid-template-columns: 1fr;
  }

  .peer-payment__media {
    order: -1;
  }

  .peer-payment__col {
    flex-direction: row;
  }
}

@media (max-width: 560px) {
  .peer-payment__col {
    flex-direction: column;
  }
}

/* ==========================================================================
   Homepage — Built for Organizers and Members section
   ========================================================================== */

.two-ways {
  position: relative;
  background: var(--color-dark-bg);
  padding-block: 96px;
}

.two-ways__intro {
  text-align: center;
  max-width: 640px;
  margin-inline: auto;
  margin-bottom: 48px;
}

.two-ways__eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-family: var(--font-body);
  font-weight: 700;
  font-style: normal;
  font-size: 12.5px;
  line-height: 1;
  letter-spacing: 1px;
  text-transform: uppercase;
  background: linear-gradient(100deg, #D3A45A 6.17%, #FFFFFF 50%, #D3A45A 93.83%);
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
  margin-bottom: 18px;
}

.two-ways__eyebrow-dash {
  display: inline-block;
  width: 22px;
  height: 1px;
  background: var(--color-gold-1);
}

.two-ways__title {
  font-family: var(--font-display);
  font-weight: 800;
  font-style: normal;
  font-size: clamp(2rem, 3.4vw, 52px);
  line-height: 1.2;
  letter-spacing: 0;
  background: linear-gradient(100deg, #FFFFFF 6.17%, #FFFFFF 45.62%, #D3A45A 93.83%);
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
}

.two-ways__grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
}

.way-card {
  position: relative;
  min-height: 430px;
  border-radius: 20px;
  overflow: hidden;
  background-size: cover;
  background-position: center;
  background-repeat: no-repeat;
  display: flex;
  align-items: flex-end;
  box-shadow: 0px 4px 41px 0px #0000003D;
}

.way-card::before {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg, rgba(2, 19, 43, 0) 0.17%, rgba(2, 19, 43, 0.62) 25.16%, rgba(2, 19, 43, 0.9) 63.97%);
  pointer-events: none;
}

.way-card__content {
  position: relative;
  z-index: 1;
  padding: 32px;
  width: 100%;
}

.way-card__eyebrow {
  font-family: var(--font-body);
  font-weight: 700;
  font-style: normal;
  font-size: 11.5px;
  letter-spacing: 1px;
  text-transform: uppercase;
  color: #FFFFFFD9;
  margin-bottom: 12px;
}

.way-card__title {
  font-family: var(--font-display);
  font-weight: 800;
  font-style: normal;
  font-size: 28px;
  line-height: 1.2;
  color: #FFFFFF;
  margin-bottom: 14px;
}

.way-card__text {
  font-family: var(--font-body);
  font-weight: 400;
  font-style: normal;
  font-size: 14.5px;
  line-height: 1.6;
  color: #FFFFFFD9;
  max-width: 400px;
  margin-bottom: 24px;
}

.way-card__cta {
  font-size: 14.5px;
  padding: 12px 20px;
}

@media (max-width: 900px) {
  .two-ways {
    padding-block: 64px;
  }

  .two-ways__grid {
    grid-template-columns: 1fr;
  }

  .way-card {
    min-height: 380px;
  }
}

/* ==========================================================================
   Homepage — Community Savings Made Digital (four steps) section
   ========================================================================== */

.steps {
  position: relative;
  background: var(--color-dark-bg);
  padding-block: 96px;
}

.steps__intro {
  text-align: center;
  max-width: 640px;
  margin-inline: auto;
  margin-bottom: 48px;
}

.steps__eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-family: var(--font-body);
  font-weight: 700;
  font-style: normal;
  font-size: 12.5px;
  line-height: 1;
  letter-spacing: 1px;
  text-transform: uppercase;
  background: linear-gradient(100deg, #D3A45A 6.17%, #FFFFFF 50%, #D3A45A 93.83%);
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
  margin-bottom: 18px;
}

.steps__eyebrow-dash {
  display: inline-block;
  width: 22px;
  height: 1px;
  background: var(--color-gold-1);
}

.steps__title {
  font-family: var(--font-display);
  font-weight: 800;
  font-style: normal;
  font-size: clamp(2rem, 3.4vw, 52px);
  line-height: 1.2;
  letter-spacing: 0;
  background: linear-gradient(100deg, #FFFFFF 6.17%, #FFFFFF 45.62%, #D3A45A 93.83%);
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
}

.steps__grid {
  display: grid;
  grid-template-columns: 1fr 1fr 0.85fr;
  grid-template-rows: auto auto;
  gap: 24px;
  margin-bottom: 40px;
}

.step-card {
  background: rgba(255, 255, 255, 0.06);
  border-radius: var(--radius-md);
  padding: 24px;
  display: flex;
  flex-direction: column;
}

.step-card--1 {
  grid-column: 1;
  grid-row: 1 / 3;
}

.step-card--2 {
  grid-column: 2;
  grid-row: 1;
}

.step-card--3 {
  grid-column: 2;
  grid-row: 2;
}

.step-card--4 {
  grid-column: 3;
  grid-row: 2;
}

.step-card__number {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 32px;
  height: 32px;
  border-radius: 8px;
  background: rgba(255, 255, 255, 0.1);
  font-family: var(--font-body);
  font-weight: 600;
  font-size: 14px;
  color: var(--color-white);
  margin-bottom: 20px;
}

.step-card__title {
  font-family: var(--font-body);
  font-weight: 600;
  font-size: 17px;
  color: var(--color-white);
  margin-bottom: 8px;
}

.step-card__text {
  font-family: var(--font-body);
  font-weight: 400;
  font-size: 14.5px;
  line-height: 22px;
  color: var(--color-body-copy);
}

.step-card__media {
  margin-top: 20px;
  border-radius: 12px;
  overflow: hidden;
  flex: 1;
}

.step-card__media img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  min-height: 140px;
}

.steps__cta-wrap {
  display: flex;
  justify-content: center;
}

@media (max-width: 900px) {
  .steps {
    padding-block: 64px;
  }

  .steps__grid {
    grid-template-columns: 1fr;
    grid-template-rows: auto;
  }

  .step-card--1,
  .step-card--2,
  .step-card--3,
  .step-card--4 {
    grid-column: 1;
    grid-row: auto;
  }
}

/* ==========================================================================
   What is Masstrek section (outside <main> — page background changes
   from here on, so this and the sections after it sit as their own
   top-level sections rather than nested inside the dark hero/main flow)
   ========================================================================== */

main{
  background: linear-gradient(160deg, #0E2C55 8.49%, #071C3A 48.34%, #02132B 91.51%),
radial-gradient(80% 60% at 6% 100%, rgba(46, 109, 168, 0.32) 0%, rgba(46, 109, 168, 0) 60%),
radial-gradient(110% 85% at 84% 4%, rgba(211, 164, 90, 0.32) 0%, rgba(211, 164, 90, 0) 46%);

}

.what-is {
  position: relative;
  background: var(--color-dark-bg);
  padding-block: 96px;
}

.what-is__intro {
  text-align: center;
  max-width: 640px;
  margin-inline: auto;
  margin-bottom: 48px;
}

.what-is__grid {
  display: grid;
  grid-template-columns: 1fr 1.3fr;
  gap: 24px;
  margin-bottom: 24px;
}

.what-is__panel {
  background: linear-gradient(160deg, #FFFFFF 8.49%, #F4F7FC 91.51%);
  border-radius: 20px;
  padding: 32px;
}

.what-is__panel-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-family: var(--font-body);
  font-weight: 700;
  font-style: normal;
  font-size: 16px;
  letter-spacing: 0.5px;
  text-transform: uppercase;
  background: linear-gradient(100deg, #A5762F 6.17%, #D3A45A 50%, #A5762F 93.83%);
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
  margin-bottom: 20px;
}

.what-is__panel-eyebrow-dash {
  display: inline-block;
  width: 18px;
  height: 1px;
  background: var(--color-gold-2);
}

.what-is__list {
  display: flex;
  flex-direction: column;
  gap: 14px;
}

.what-is__label {
  display: flex;
  align-items: center;
  gap: 12px;
  cursor: pointer;
}

.what-is__label input {
  position: absolute;
  opacity: 0;
  width: 1px;
  height: 1px;
}

.what-is__dot {
  flex-shrink: 0;
  width: 16px;
  height: 16px;
  border-radius: 50%;
  border: 1.5px solid #0B214040;
  background: transparent;
  transition: border-color var(--transition-fast), background var(--transition-fast);
}

.what-is__label input:checked + .what-is__dot {
  background: var(--color-navy);
  border-color: var(--color-navy);
}

.what-is__label input:focus-visible + .what-is__dot {
  outline: 2px solid var(--color-gold-1);
  outline-offset: 2px;
}

.what-is__text {
  font-family: var(--font-display);
  font-weight: 500;
  font-size: 16px;
  color: #0B2140A6;
}

.what-is__text--active {
  font-family: var(--font-display);
  font-weight: 700;
  font-style: normal;
  font-size: 22px;
  color: #0B2140;
}

.what-is__slider {
  position: relative;
  display: flex;
  align-items: center;
}

.what-is__deck {
  position: relative;
  flex: 1;
  min-height: 320px;
}

.what-is__slide {
  position: absolute;
  inset: 0;
  border-radius: 20px;
  background-size: cover;
  background-position: center;
  padding: 32px;
  display: flex;
  flex-direction: column;
  justify-content: flex-end;
  transition: transform 0.55s cubic-bezier(0.22, 1, 0.36, 1), opacity 0.45s ease;
  will-change: transform, opacity;
}

.what-is__slide.is-pos-0 {
  transform: none;
  opacity: 1;
  z-index: 3;
  pointer-events: auto;
}

.what-is__slide.is-pos-1 {
  transform: translateY(-14px) scale(0.96);
  opacity: 0.5;
  z-index: 2;
  pointer-events: none;
}

.what-is__slide.is-pos-2 {
  transform: translateY(-26px) scale(0.92);
  opacity: 0.25;
  z-index: 1;
  pointer-events: none;
}

.what-is__slide.is-pos-1 .what-is__pills,
.what-is__slide.is-pos-2 .what-is__pills,
.what-is__slide.is-pos-1 .what-is__caption,
.what-is__slide.is-pos-2 .what-is__caption {
  visibility: hidden;
}

@media (prefers-reduced-motion: reduce) {
  .what-is__slide {
    transition: none;
  }
}

.what-is__pills {
  display: flex;
  flex-direction: column;
  gap: 12px;
  margin-bottom: 16px;
}

.what-is__pill {
  display: flex;
  align-items: center;
  gap: 12px;
  font-family: var(--font-body);
  font-weight: 500;
  font-size: 14.5px;
  color: var(--color-white);
  background: rgba(255, 255, 255, 0.1);
  border: 1px solid rgba(255, 255, 255, 0.14);
  border-radius: var(--radius-md);
  padding: 14px 18px;
}

.what-is__pill-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 24px;
  height: 24px;
  flex-shrink: 0;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.14);
}

.what-is__pill-icon svg {
  width: 12px;
  height: 12px;
}

.what-is__caption {
  font-family: var(--font-body);
  font-weight: 400;
  font-size: 14.5px;
  color: var(--color-body-copy);
}

.what-is__nav {
  position: absolute;
  top: 50%;
  transform: translateY(-50%);
  z-index: 9999;
  display: flex;
  align-items: center;
  justify-content: center;
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: var(--color-white);
  color: var(--color-navy);
  box-shadow: 0 6px 18px rgba(0, 0, 0, 0.25);
  transition: transform var(--transition-fast);
}

.what-is__nav:hover {
  transform: translateY(-50%) scale(1.05);
}

.what-is__nav svg {
  width: 16px;
  height: 16px;
}

.what-is__nav--prev {
  left: -22px;
}

.what-is__nav--next {
  right: -22px;
}

.disclaimer {
  background: linear-gradient(135deg, rgba(11, 33, 64, 0.5) 0%, rgba(28, 58, 99, 0.5) 100%);
  border-radius: 20px;
  padding: 32px;
}

.disclaimer__eyebrow {
  font-family: var(--font-body);
  font-weight: 700;
  font-style: normal;
  font-size: 12px;
  color: #FFFFFFB2;
  margin-bottom: 12px;
}

.disclaimer__text {
  font-family: var(--font-body);
  font-weight: 400;
  font-style: normal;
  font-size: 17px;
  line-height: 1.6;
  color: #FFFFFFDB;
  max-width: 760px;
  margin-bottom: 24px;
}

.disclaimer__cta {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-family: var(--font-body);
  font-weight: 600;
  font-style: normal;
  font-size: 15.5px;
  color: #0B2140;
  background: var(--color-white);
  border-radius: var(--radius-pill);
  padding: 12px 22px;
  transition: transform var(--transition-fast);
}

.disclaimer__cta:hover {
  transform: translateY(-1px);
}

.disclaimer__cta .btn__icon {
  width: 15px;
  height: 15px;
}

@media (max-width: 900px) {
  .what-is {
    padding-block: 64px;
  }

  .what-is__grid {
    grid-template-columns: 1fr;
  }

  .what-is__nav--prev {
    left: 8px;
  }

  .what-is__nav--next {
    right: 8px;
  }
}

/* ==========================================================================
   FAQ section
   ========================================================================== */

.faq {
  position: relative;
  background: var(--color-dark-bg);
  padding-block: 96px;
}

.faq__inner {
  display: grid;
  grid-template-columns: minmax(0, 620px) 1fr;
  gap: 48px;
  align-items: start;
}

.faq__title {
  font-family: var(--font-display);
  font-weight: 800;
  font-style: normal;
  font-size: clamp(2rem, 3.4vw, 52px);
  line-height: 1.15;
  color: var(--color-white);
  margin-bottom: 32px;
}

.faq__title-brand,
.faq__title-accent {
  display: inline;
}

.faq__title-accent {
  background: linear-gradient(100deg, #FFFFFF 6.17%, #FFFFFF 45.62%, #D3A45A 93.83%);
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
}

.faq__list {
  border-top: 1px solid rgba(255, 255, 255, 0.12);
}

.faq__item {
  border-bottom: 1px solid rgba(255, 255, 255, 0.12);
}

.faq__item summary {
  list-style: none;
}

.faq__item summary::-webkit-details-marker {
  display: none;
}

.faq__question {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  font-family: var(--font-body);
  font-weight: 600;
  font-size: 16px;
  color: var(--color-white);
  padding-block: 20px;
  cursor: pointer;
}

.faq__chevron {
  flex-shrink: 0;
  width: 16px;
  height: 16px;
  color: var(--color-white);
  transition: transform var(--transition-fast);
}

.faq__item[open] .faq__chevron {
  transform: rotate(180deg);
}

.faq__answer {
  font-family: var(--font-body);
  font-weight: 400;
  font-size: 14.5px;
  line-height: 1.6;
  color: var(--color-body-copy);
  padding-bottom: 20px;
  margin: 0;
  max-width: 520px;
}

.faq__contact-pill {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-family: var(--font-body);
  font-weight: 400;
  font-size: 14.5px;
  color: var(--color-body-copy);
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid rgba(255, 255, 255, 0.14);
  border-radius: var(--radius-pill);
  padding: 12px 20px;
  margin-top: 28px;
}

.faq__contact-pill span {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-weight: 600;
  color: var(--color-gold-1);
}

.faq__contact-pill .btn__icon {
  width: 13px;
  height: 13px;
}

.faq__media {
  display: flex;
  align-items: center;
  justify-content: center;
  position: sticky;
  top: 120px;
}

/* ---------- FAQ phone slider (syncs with the active question) ---------- */

.faq__phone {
  position: relative;
  width: min(264px, 78vw);
  aspect-ratio: 264 / 538;
  border-radius: 42px;
  background: #0a1526;
  box-shadow: 0 46px 90px -34px rgba(2, 19, 43, 0.85), 0 0 0 9px #0a1526, 0 0 0 10px rgba(255, 255, 255, 0.08);
  overflow: hidden;
  flex: none;
}

.faq__phone::before {
  content: '';
  position: absolute;
  top: 0;
  left: 50%;
  transform: translateX(-50%);
  width: 42.4%;
  height: 4.5%;
  background: #0a1526;
  border-radius: 0 0 14px 14px;
  z-index: 6;
}

.faq__phone::after {
  content: '';
  position: absolute;
  top: 1.5%;
  left: 50%;
  transform: translateX(-50%);
  width: 19.7%;
  height: 5px;
  background: rgba(255, 255, 255, 0.14);
  border-radius: 4px;
  z-index: 7;
}

.faq__screen {
  position: absolute;
  inset: 0;
  background: linear-gradient(160deg, #f8f6f1, #eef1f7);
  padding: 42px 18px 20px;
  opacity: 0;
  transform: translateY(16px);
  pointer-events: none;
  transition: opacity 0.5s ease, transform 0.5s ease;
  display: flex;
  flex-direction: column;
}

.faq__phone[data-active="1"] .faq__screen[data-step="1"],
.faq__phone[data-active="2"] .faq__screen[data-step="2"],
.faq__phone[data-active="3"] .faq__screen[data-step="3"],
.faq__phone[data-active="4"] .faq__screen[data-step="4"],
.faq__phone[data-active="5"] .faq__screen[data-step="5"] {
  opacity: 1;
  transform: translateY(0);
  pointer-events: auto;
}

.faq__eyebrow {
  font-family: var(--font-body);
  font-weight: 700;
  font-size: 11px;
  letter-spacing: 0.6px;
  text-transform: uppercase;
  color: var(--color-navy);
  opacity: 0.65;
  margin-bottom: 14px;
}

.faq__stat-big {
  font-family: var(--font-display);
  font-weight: 800;
  font-size: 42px;
  color: var(--color-navy);
  margin-top: 2px;
}

.faq__stat-sub {
  font-size: 12.5px;
  color: #6b6b6d;
  margin-top: 2px;
}

.faq__impact-list {
  list-style: none;
  margin-top: 22px;
  display: flex;
  flex-direction: column;
  gap: 11px;
  padding: 0;
}

.faq__impact-list li {
  display: flex;
  align-items: center;
  justify-content: space-between;
  background: #fff;
  border-radius: 12px;
  padding: 11px 13px;
  font-size: 12.5px;
  font-weight: 600;
  color: var(--color-navy);
  box-shadow: 0 10px 20px -16px rgba(11, 33, 64, 0.4);
}

.faq__impact-list li em {
  font-style: normal;
  font-weight: 400;
  color: #6b6b6d;
  display: block;
  font-size: 10.5px;
  margin-top: 2px;
}

.faq__impact-list .faq__check {
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: var(--color-navy);
  color: #fff;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 10px;
  flex: none;
}

.faq__badge {
  width: 64px;
  height: 64px;
  border-radius: 50%;
  background: var(--color-navy);
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 14px 24px -12px rgba(11, 33, 64, 0.5);
}

.faq__badge svg {
  width: 30px;
  height: 30px;
}

.faq__screen h4 {
  font-family: var(--font-display);
  font-weight: 800;
  font-size: 16px;
  color: var(--color-navy);
  margin-top: 16px;
}

.faq__screen .faq__desc {
  font-size: 11.5px;
  color: #6b6b6d;
  margin-top: 4px;
  max-width: 22ch;
}

.faq__progress {
  height: 8px;
  border-radius: 999px;
  background: rgba(11, 33, 64, 0.08);
  margin-top: 24px;
  overflow: hidden;
}

.faq__progress-bar {
  height: 100%;
  border-radius: 999px;
  background: var(--color-navy);
}

.faq__points {
  margin-top: 10px;
  font-size: 11.5px;
  font-weight: 600;
  color: var(--color-navy);
}

.faq__feed-title {
  font-family: var(--font-display);
  font-weight: 800;
  font-size: 15px;
  color: var(--color-navy);
}

.faq__feed {
  margin-top: 16px;
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.faq__feed-item {
  display: flex;
  align-items: center;
  gap: 11px;
  background: #fff;
  border-radius: 13px;
  padding: 10px;
  box-shadow: 0 10px 20px -16px rgba(11, 33, 64, 0.4);
}

.faq__feed-ic {
  width: 36px;
  height: 36px;
  border-radius: 10px;
  flex: none;
  display: grid;
  place-items: center;
  background: var(--color-navy);
  color: #fff;
}

.faq__feed-item b {
  display: block;
  font-size: 12px;
  color: var(--color-navy);
}

.faq__feed-item span {
  display: block;
  font-size: 10px;
  color: #6b6b6d;
  margin-top: 2px;
}

.faq__count {
  font-family: var(--font-display);
  font-weight: 800;
  font-size: 38px;
  color: var(--color-navy);
  margin-top: 8px;
}

.faq__count-label {
  font-size: 12.5px;
  color: #6b6b6d;
  max-width: 20ch;
  margin-top: 4px;
}

.faq__avatars {
  display: flex;
  margin-top: 26px;
}

.faq__avatars span {
  width: 34px;
  height: 34px;
  border-radius: 50%;
  border: 2.5px solid #eef1f7;
  margin-left: -10px;
  background: var(--color-navy);
}

.faq__avatars span:first-child {
  margin-left: 0;
}

.faq__more {
  margin-top: 24px;
  font-size: 11.5px;
  color: var(--color-navy);
  font-weight: 600;
  display: flex;
  align-items: center;
  gap: 8px;
}

.faq__more .dot {
  width: 7px;
  height: 7px;
  border-radius: 50%;
  background: var(--color-navy);
}

@media (max-width: 900px) {
  .faq {
    padding-block: 64px;
  }

  .faq__inner {
    grid-template-columns: 1fr;
  }

  .faq__media {
    order: -1;
    margin-inline: auto;
    position: static;
  }
}

/* ==========================================================================
   Start Saving Differently — closing CTA section
   ========================================================================== */

.final-cta {
  position: relative;
  background: var(--color-dark-bg);
  padding-block: 96px;
}

.final-cta__inner {
  text-align: center;
  max-width: 720px;
  margin-inline: auto;
}

.final-cta__title {
  font-family: var(--font-display);
  font-weight: 800;
  font-style: normal;
  font-size: clamp(2rem, 3.4vw, 52px);
  line-height: 1.15;
  letter-spacing: 0;
  color: var(--color-white);
  margin-bottom: 20px;
}

.final-cta__title span {
  background: linear-gradient(100deg, #FFFFFF 6.17%, #FFFFFF 45.62%, #D3A45A 93.83%);
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
}

.final-cta__strapline {
  font-family: var(--font-body);
  font-weight: 400;
  font-style: normal;
  font-size: 19px;
  color: #FFFFFFC7;
}

@media (max-width: 900px) {
  .final-cta {
    padding-block: 64px;
  }
}

/* ==========================================================================
   Footer
   ========================================================================== */

.site-footer {
  position: relative;
  background: linear-gradient(160deg, #0E2C55 8.49%, #071C3A 48.34%, #02132B 91.51%);
  border-top: 1px solid #FFFFFF29;
  padding-top: 64px;
}

.site-footer__grid {
  display: grid;
  grid-template-columns: 1.3fr 1.6fr 1fr;
  gap: 40px;
  padding-bottom: 48px;
}

.site-footer__logo {
  height: 26px;
  width: auto;
  margin-bottom: 16px;
}

.site-footer__logo--small {
  height: 20px;
  margin-bottom: 0;
}

.site-footer__tagline {
  font-family: var(--font-body);
  font-weight: 500;
  font-size: 14px;
  color: #FFFFFFD1;
  margin-bottom: 12px;
}

.site-footer__text {
  font-family: var(--font-body);
  font-weight: 400;
  font-style: normal;
  font-size: 14.5px;
  line-height: 1.6;
  color: #FFFFFFB2;
  max-width: 320px;
}

.site-footer__heading {
  font-family: var(--font-display);
  font-weight: 700;
  font-style: normal;
  font-size: 21px;
  color: #FFFFFF;
  margin-bottom: 20px;
}

.site-footer__link-cols {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
}

.site-footer__list {
  display: flex;
  flex-direction: column;
  gap: 14px;
}

.site-footer__list a {
  font-family: var(--font-body);
  font-weight: 400;
  font-style: normal;
  font-size: 15px;
  color: #FFFFFFD1;
  transition: color var(--transition-fast);
}

.site-footer__list a:hover {
  color: var(--color-gold-1);
}

.site-footer__social .site-footer__text {
  max-width: none;
  margin-bottom: 20px;
}

.site-footer__bottom {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  flex-wrap: wrap;
  border-top: 1px solid #FFFFFF29;
  padding-block: 24px;
}

.site-footer__crafted {
  font-family: var(--font-body);
  font-weight: 400;
  font-size: 12.5px;
  color: #FFFFFF8C;
}

.site-footer__crafted strong {
  font-weight: 700;
  color: #FFFFFFB2;
}

.site-footer__copyright {
  font-family: var(--font-body);
  font-weight: 400;
  font-style: normal;
  font-size: 12.5px;
  color: #FFFFFF8C;
}

@media (max-width: 900px) {
  .site-footer__grid {
    grid-template-columns: 1fr;
    gap: 32px;
  }

  .site-footer__bottom {
    justify-content: center;
    text-align: center;
  }
}

@media (max-width: 480px) {
  .site-footer__link-cols {
    grid-template-columns: 1fr 1fr;
    gap: 16px;
  }
}