/* ==========================================================================
   MYCRED — Global Design System  (v3 — CRED-inspired)
   Premium, minimal, editorial fintech aesthetic.
   Fonts: DM Serif Display (headings) + Inter (body) + Space Mono (kickers)
   ========================================================================== */

/* ---------- Tokens ---------- */
:root {
    /* color — monochrome dark palette: black / white / grey.
       Foreground tokens (ink/body/muted) are light; surfaces are dark.
       --chip / --on-chip and --primary / --on-primary are the inverted
       "light element with dark text" pairs used for filled badges & CTAs. */
    --ink: #f4f4f5;            /* primary text / headings (near-white) */
    --ink-2: #d1d1d6;          /* secondary text */
    --body: #a6a6ad;           /* body copy (grey) */
    --muted: #78787f;          /* muted labels */
    --bg: #0a0a0b;             /* page background (near-black) */
    --bg-soft: #101012;        /* alternating sections + input fields */
    --bg-deep: #000000;        /* deepest sections: hero / footer */
    --bg-deep-2: #0d0d0f;
    --surface: #1a1a1d;        /* cards / raised panels (was #fff) */
    --surface-2: #232327;      /* card hover / nested tiles */
    --chip: #ededf0;           /* inverted chip/badge (light on dark) */
    --on-chip: #0a0a0b;        /* text/icon on a light chip */
    --primary: #f4f4f5;        /* accent → white in monochrome */
    --primary-2: #d1d1d6;
    --primary-dark: #cfcfd4;
    --primary-soft: #26262b;   /* neutral tile background (dark) */
    --on-primary: #0a0a0b;     /* text on primary / white buttons */
    --grad: linear-gradient(120deg, #d1d1d6 0%, #f4f4f5 100%);
    --grad-deep: linear-gradient(135deg, #0d0d0f 0%, #17171b 100%);
    --gold: #d8d8dd;           /* former gold accent → light grey */
    --green: #b4b4bb;          /* former green accent → grey */
    --red: #f26d6d;            /* kept as a functional error colour (desaturated for dark) */
    --line: #2a2a2f;           /* borders */
    --line-2: #3a3a40;         /* stronger borders / dividers */

    /* shape — sharp, rigid edges (neoPOP) */
    --r-sm: 2px;
    --r-md: 3px;
    --r-lg: 4px;
    --r-xl: 4px;

    /* elevation — hard offset shadows, zero blur (neoPOP signature) */
    --shadow-sm: 3px 3px 0 0 #1a1a1d;
    --shadow-md: 5px 5px 0 0 #1a1a1d;
    --shadow-lg: 7px 7px 0 0 #1a1a1d;
    --shadow-blue: 4px 4px 0 0 #3a3a40;

    /* type — serif display + sans body + mono kickers */
    --font-display: 'DM Serif Display', Georgia, serif;
    --font-head: 'Inter', 'Manrope', sans-serif;
    --font-body: 'Inter', sans-serif;
    --font-mono: 'Space Mono', 'Overpass Mono', monospace;

    --nav-h: 132px;
}

/* ---------- Reset / base ---------- */
* { margin: 0; padding: 0; box-sizing: border-box; }

/* Kill the default mobile tap highlight — it's a rectangle that ignores
   border-radius, so tapping rounded buttons/pills/links flashed a square box.
   Elements provide their own :active feedback (e.g. .btn:active scale). */
* { -webkit-tap-highlight-color: transparent; }
a, button, input, select, textarea { -webkit-tap-highlight-color: transparent; }

html { scroll-behavior: smooth; }

body {
    font-family: var(--font-body);
    color: var(--body);
    background: var(--bg);
    line-height: 1.65;
    font-size: 16px;
    -webkit-font-smoothing: antialiased;
    overflow-x: hidden;
}

img, video { max-width: 100%; display: block; }
a { text-decoration: none; color: inherit; }
ul { list-style: none; }
button { font-family: inherit; cursor: pointer; border: none; background: none; }

h1, h2 {
    font-family: var(--font-display);
    color: var(--ink);
    line-height: 1.1;
    font-weight: 400;
    letter-spacing: -0.01em;
}

h3, h4, h5 {
    font-family: var(--font-head);
    color: var(--ink);
    line-height: 1.2;
    font-weight: 700;
    letter-spacing: -0.01em;
}

.container {
    width: 100%;
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 24px;
}

.section {
    padding: 104px 0;
    border-top: 1px solid;
    border-image: linear-gradient(90deg, transparent 5%, #2a2a2f 30%, #2a2a2f 70%, transparent 95%) 1;
}

/* selection */
::selection { background: rgba(16, 25, 43, .12); }

/* scrollbar hidden — a top progress bar (scroll-progress.js) indicates position */
html {
    scrollbar-width: none;
    -ms-overflow-style: none;
}

::-webkit-scrollbar { width: 0; height: 0; display: none; }

.scroll-progress {
    position: fixed;
    top: 0;
    left: 0;
    width: 100%;
    height: 3px;
    background: var(--grad);
    transform: scaleX(0);
    transform-origin: 0 50%;
    z-index: 4500;
    pointer-events: none;
}

/* ---------- Text helpers ---------- */
/* formerly a blue gradient — now plain ink for a calmer look */
.text-gradient { color: var(--ink); }

.text-gold { color: var(--gold); }

/* ---------- Section headers ---------- */
.section-header {
    max-width: 680px;
    margin: 0 auto 60px;
    text-align: center;
}

.section-tag {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    font-family: var(--font-mono);
    font-size: .72rem;
    font-weight: 700;
    letter-spacing: .2em;
    text-transform: uppercase;
    color: var(--muted);
    background: transparent;
    border: none;
    padding: 0;
    border-radius: 0;
    margin-bottom: 18px;
}

.section-title {
    font-size: clamp(1.9rem, 3.6vw, 2.7rem);
    margin-bottom: 16px;
}

.section-subtitle {
    font-size: 1.05rem;
    color: var(--body);
}

.section-subtitle.left-aligned { text-align: left; margin: 0 0 8px; }

/* ==========================================================================
   PRELOADER
   ========================================================================== */
#preloader {
    position: fixed;
    inset: 0;
    z-index: 10000;
    background: var(--bg);
    display: flex;
    align-items: center;
    justify-content: center;
    transition: opacity .5s ease, visibility .5s ease;
}

#preloader.loaded { opacity: 0; visibility: hidden; }

.loader { text-align: center; }

.loader-logo {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 10px;
    margin-bottom: 22px;
}

.loader-logo .brand-mark { width: 40px; height: 40px; object-fit: contain; }

.loader-word {
    font-family: var(--font-head);
    font-size: 1.7rem;
    font-weight: 800;
    color: var(--ink);
    letter-spacing: -.02em;
}

.loader-bar {
    width: 180px;
    height: 3px;
    border-radius: 0;
    background: var(--line);
    overflow: hidden;
    margin: 0 auto;
}

.loader-progress {
    height: 100%;
    width: 40%;
    border-radius: 0;
    background: var(--ink);
    animation: loaderSlide 1.1s ease-in-out infinite;
}

@keyframes loaderSlide {
    0%   { transform: translateX(-120%); }
    100% { transform: translateX(320%); }
}

/* ==========================================================================
   NAVBAR
   ========================================================================== */
/* The bar is NOT sticky: it is pinned to the top of the hero and scrolls away
   with it, rather than floating over the page and hiding/revealing on scroll.
   `absolute` (not `static`) keeps it overlaying the top of the hero, which is
   what every hero's `padding-top: calc(var(--nav-h) + …)` already accounts for. */
.navbar {
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    z-index: 1000;
    padding: 0;
    /* fully transparent on every page — the bar sits on the hero itself */
    background: transparent;
    border-bottom: none;
}

.nav-container {
    height: 132px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 24px;
    width: 100%;
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 24px;
    background: transparent;
    border: none;
    border-radius: 0;
    box-shadow: none;
}

/* The logo is a two-part lockup: the shield mark, then the MYCRED wordmark beside
   it. Both are cropped to their artwork (mycred_mark / mycred_wordmark), so height
   IS the visible height and they align on the container edge with no margin hacks.
   Do NOT use the padded source files in layout — Logo/my_cred_logo.png carries
   ~11% vertical padding and Logo/mycred_logo_white_*.png as little as 13% ink, so
   they render small and misaligned. mycred_mark.png is the trimmed derivative of
   my_cred_logo.png; regenerate it by cropping that source to its alpha bounds.
   The wordmark is set to ~34% of the mark's height, which optically balances a
   tall shield against a wide word. */
.nav-logo {
    display: flex;
    align-items: center;
    gap: 16px;
}

.nav-logo .brand-mark {
    width: auto;
    height: 68px;
    object-fit: contain;
}

.nav-logo .brand-word {
    width: auto;
    height: 23px;
    object-fit: contain;
}

/* ---- Menu overlay — opened by the hamburger at EVERY breakpoint (cred-style) ---- */
.nav-menu {
    position: fixed;
    inset: 0;
    z-index: 999;
    display: flex;
    flex-direction: column;
    align-items: flex-start;
    justify-content: flex-start;
    gap: 2px;
    padding: clamp(96px, 13vh, 168px) 9vw 72px;
    overflow-y: auto;
    /* Solid, opaque panel — no backdrop-filter. A full-screen blur is expensive
       to repaint and was causing the stutter when opening/closing or following a
       link; the panel is opaque anyway so the blur added cost for no benefit. */
    background: #08080a;
    opacity: 0;
    visibility: hidden;
    transform: translateY(-6px);
    transition: opacity .4s ease, transform .55s cubic-bezier(.16, 1, .3, 1), visibility .4s ease;
}

.nav-menu.active { opacity: 1; visibility: visible; transform: none; }

/* instant, transition-free hide applied just before a cross-page navigation, so
   the overlay never sits frozen mid-fade over the loading page */
.nav-menu.nav-leaving { transition: none !important; opacity: 0 !important; visibility: hidden !important; }

.nav-menu > li { width: 100%; }

.nav-link {
    display: inline-flex;
    align-items: center;
    padding: 10px 0;
    font-family: var(--font-display);
    font-weight: 400;
    font-size: clamp(2rem, 5.5vw, 3.4rem);
    line-height: 1.16;
    /* the menu keeps its lowercase display treatment — the sentence-case pass
       applies to page headings, not the nav */
    text-transform: lowercase;
    letter-spacing: -.02em;
    color: rgba(255, 255, 255, .55);
    border-radius: 0;
    transition: color .25s ease;
}

/* leading dash that marks the selected page — "— home".
   Width and gap scale with the viewport so it stays proportional on mobile. */
.nav-link::before {
    content: "";
    width: 0;
    height: 2px;
    margin-right: 0;
    background: #fff;
    flex-shrink: 0;
    transition: width .3s cubic-bezier(.16, 1, .3, 1), margin-right .3s cubic-bezier(.16, 1, .3, 1);
}

.nav-link:hover { color: #fff; }
.nav-link.active { color: #fff; }
.nav-link.active::before {
    width: clamp(20px, 4vw, 34px);
    margin-right: clamp(12px, 2.4vw, 18px);
}

/* ---- Products preview inside the menu overlay ----------------------------
   Desktop: an absolutely-positioned panel filling the empty right half of the
   overlay (the overlay is `position: fixed`, so it is the containing block).
   Mobile: falls back into the flow as a collapsible dropdown (see the 768px
   block below), replacing the plain "Products" link. */
.nav-menu > li.nav-products {
    position: absolute;
    top: clamp(96px, 13vh, 168px);
    right: 9vw;
    width: min(44vw, 540px);
    max-height: calc(100vh - clamp(96px, 13vh, 168px) - 72px);
    overflow-y: auto;
}

.nav-products-toggle { display: none; }   /* mobile-only affordance */

/* mono kicker over a hairline rule — same editorial device as the page sections */
.nav-products-kicker {
    display: block;
    padding-bottom: 16px;
    margin-bottom: 20px;
    border-bottom: 1px solid rgba(255, 255, 255, .14);
    font-family: var(--font-mono);
    font-size: .66rem;
    font-weight: 400;
    letter-spacing: .3em;
    text-transform: uppercase;
    color: rgba(255, 255, 255, .45);
}

.nav-products-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 14px;
}

/* preview tile — the product artwork fills it; no scrim, the renders are dark.
   A fixed aspect ratio keeps all six tiles identical however the panel is sized. */
.nav-product {
    position: relative;
    display: flex;
    flex-direction: column;
    justify-content: flex-end;
    gap: 5px;
    aspect-ratio: 5 / 3;
    padding: 16px;
    border: 1px solid var(--line);
    background-image: var(--pv);
    background-size: cover;
    background-position: center;
    background-color: var(--bg-deep-2);
    color: #fff;
    text-shadow: 0 2px 14px rgba(0, 0, 0, .8), 0 1px 3px rgba(0, 0, 0, .6);
    transition: transform .18s ease, box-shadow .18s ease, border-color .18s ease;
}

.nav-product:hover {
    transform: translate(-2px, -2px);
    box-shadow: 4px 4px 0 0 #3a3a40;
    border-color: var(--line-2);
}

.nav-product-name {
    font-family: var(--font-display);
    font-weight: 400;
    font-size: 1.12rem;
    line-height: 1.1;
    text-transform: lowercase;   /* matches the lowercase menu links beside it */
    letter-spacing: -.01em;
    color: #fff;
}

.nav-product-desc {
    font-family: var(--font-mono);
    font-size: .6rem;
    line-height: 1.4;
    letter-spacing: .09em;
    text-transform: uppercase;
    color: rgba(255, 255, 255, .74);
}

.nav-products-all {
    display: inline-flex;
    align-items: center;
    gap: 9px;
    margin-top: 20px;
    font-family: var(--font-mono);
    font-size: .7rem;
    letter-spacing: .18em;
    text-transform: uppercase;
    color: rgba(255, 255, 255, .6);
    transition: color .2s ease, gap .2s ease;
}
.nav-products-all:hover { color: #fff; gap: 14px; }

/* phone + CTA live inside the overlay, at every width */
.nav-menu-divider {
    display: block;
    width: 100%;
    max-width: 300px;
    height: 1px;
    margin: 28px 0 24px;
    background: rgba(255, 255, 255, .14);
}

.nav-menu .mobile-only { display: block; }

.nav-menu-phone {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    padding: 10px 0;
    font-family: var(--font-mono);
    font-size: .95rem;
    letter-spacing: .04em;
    color: #fff;
}
.nav-menu-phone i { color: rgba(255, 255, 255, .6); }

.nav-menu .nav-menu-cta { display: inline-flex; width: auto; margin-top: 20px; }

/* right-hand bar cluster: "Get Started" CTA + the hamburger */
.nav-actions {
    display: flex;
    align-items: center;
    gap: 16px;
    margin-left: auto;
}

.nav-phone { display: none; }   /* phone lives in the overlay, hero, and footer */

/* fade the bar cluster out while the overlay is open */
.nav-menu.active ~ .nav-actions { opacity: 0; visibility: hidden; }

/* ---- Prominent hamburger — shown on desktop too, with a MENU / CLOSE label ---- */
.nav-toggle {
    display: flex;
    position: relative;
    z-index: 1001;
    flex-direction: column;
    justify-content: center;
    align-items: center;
    gap: 6px;
    width: 50px;
    height: 50px;
    margin-left: 72px;
    border-radius: 0;
    border: 1px solid rgba(255, 255, 255, .22);
    background: transparent;
    transition: border-color .2s ease, background .2s ease;
}

.nav-toggle:hover { border-color: rgba(255, 255, 255, .55); background: rgba(255, 255, 255, .04); }

.nav-toggle::before {
    content: "Menu";
    position: absolute;
    right: calc(100% + 14px);
    top: 50%;
    transform: translateY(-50%);
    font-family: var(--font-mono);
    font-size: .72rem;
    font-weight: 700;
    letter-spacing: .22em;
    text-transform: uppercase;
    color: #fff;
    white-space: nowrap;
}
.nav-toggle.active::before { content: "Close"; }

.nav-toggle span {
    display: block;
    width: 22px;
    height: 2px;
    border-radius: 2px;
    background: #fff;
    transition: transform .3s ease, opacity .3s ease;
}

.nav-toggle.active span:nth-child(1) { transform: translateY(8px) rotate(45deg); }
.nav-toggle.active span:nth-child(2) { opacity: 0; }
.nav-toggle.active span:nth-child(3) { transform: translateY(-8px) rotate(-45deg); }

/* ==========================================================================
   BUTTONS
   ========================================================================== */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 10px;
    font-family: var(--font-head);
    font-weight: 700;
    font-size: .82rem;
    padding: 14px 28px;
    border-radius: 0;
    text-transform: uppercase;
    letter-spacing: .12em;
    transition: transform .15s ease, box-shadow .15s ease, background .2s ease, color .2s ease, border-color .2s ease;
    position: relative;
    overflow: hidden;
    white-space: nowrap;
}

.btn:hover  { transform: translate(-1px, -1px); }
.btn:active { transform: translate(2px, 2px); }

.btn-primary {
    background: var(--primary);
    color: var(--on-primary);
    box-shadow: 4px 4px 0 0 #3a3a40;
}

.btn-primary:hover { box-shadow: 5px 5px 0 0 #3a3a40; }
.btn-primary:active { box-shadow: 2px 2px 0 0 #3a3a40; }

.btn-outline {
    border: 1px solid var(--line-2);
    color: var(--ink);
    background: transparent;
}

.btn-outline:hover { border-color: var(--ink); color: var(--ink); }

.btn-light {
    background: #f4f4f5;
    color: var(--on-primary);
    box-shadow: 4px 4px 0 0 #3a3a40;
}

.btn-light:hover { box-shadow: 5px 5px 0 0 #3a3a40; }
.btn-light:active { box-shadow: 2px 2px 0 0 #3a3a40; }

.btn-outline-light {
    border: 1px solid rgba(255, 255, 255, .25);
    color: #fff;
    background: transparent;
}

.btn-outline-light:hover { border-color: rgba(255, 255, 255, .5); }

.btn-hero-primary {
    background: var(--primary);
    color: var(--on-primary);
    box-shadow: 4px 4px 0 0 #3a3a40;
}

.btn-hero-primary:hover { box-shadow: 5px 5px 0 0 #3a3a40; }
.btn-hero-primary:active { box-shadow: 2px 2px 0 0 #3a3a40; }

.btn-lg { padding: 17px 36px; font-size: .88rem; }
.btn-sm { padding: 10px 20px; font-size: .78rem; }
.btn-full { width: 100%; }

/* shine sweep inside primary CTAs */
.btn-shine {
    position: absolute;
    top: 0;
    left: -80%;
    width: 50%;
    height: 100%;
    background: linear-gradient(100deg, transparent, rgba(255, 255, 255, .2), transparent);
    animation: btnShine 3.2s ease-in-out infinite;
    pointer-events: none;
}

@keyframes btnShine {
    0%, 55% { left: -80%; }
    100% { left: 130%; }
}

/* ==========================================================================
   HERO  (index) — full-screen video with centered content
   ========================================================================== */
.hero {
    position: relative;
    min-height: 100vh;
    min-height: 100svh;
    display: flex;
    align-items: center;
    justify-content: center;
    padding: calc(var(--nav-h) + 56px) 0 72px;
    background: var(--bg-deep);
    overflow: hidden;
    text-align: center;
}

/* --- AOS safety net & guaranteed hero entrance animation --- */
@keyframes heroFadeUp {
    0%   { opacity: 0; transform: translateY(18px); }
    100% { opacity: 1; transform: translateY(0); }
}

.hero-title-animated,
.hero-anim-1,
.hero-anim-2,
.hero-anim-3,
.hero-anim-4 {
    opacity: 0;
    animation: heroFadeUp 0.8s cubic-bezier(0.16, 1, 0.3, 1) forwards;
}

.hero-anim-1, .hero-title-animated { animation-delay: 0.1s; }
.hero-anim-2 { animation-delay: 0.25s; }
.hero-anim-3 { animation-delay: 0.4s; }
.hero-anim-4 { animation-delay: 0.55s; }

/* Ensure that if AOS fails or delays on below-the-fold sections, content never stays hidden */
[data-aos] {
    transition: opacity 0.8s ease, transform 0.8s ease !important;
}
@media screen {
    body:not(.aos-init) [data-aos],
    body.aos-initialized [data-aos],
    [data-aos].aos-animate {
        opacity: 1 !important;
        pointer-events: auto !important;
        transform: none !important;
    }
}

.hero-content {
    position: relative;
    z-index: 1;
    max-width: 860px;
    display: flex;
    flex-direction: column;
    align-items: center;
}

.hero-badge {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    background: transparent;
    border: 1px solid rgba(255, 255, 255, .15);
    color: #fff;
    font-family: var(--font-mono);
    font-size: .72rem;
    font-weight: 700;
    letter-spacing: .15em;
    text-transform: uppercase;
    padding: 10px 20px;
    border-radius: 0;
    margin-bottom: 26px;
}

.hero-badge i { color: var(--green); }

.badge-pulse {
    width: 8px;
    height: 8px;
    border-radius: 50%;
    background: var(--green);
    position: relative;
}

.badge-pulse::after {
    content: "";
    position: absolute;
    inset: -4px;
    border-radius: 50%;
    background: rgba(14, 175, 123, .35);
    animation: pulse 1.8s ease-out infinite;
}

@keyframes pulse {
    0% { transform: scale(.6); opacity: 1; }
    100% { transform: scale(1.8); opacity: 0; }
}

.hero h1 {
    font-family: var(--font-display);
    font-size: clamp(2.8rem, 5.5vw, 4.2rem);
    font-weight: 400;
    margin-bottom: 22px;
    color: #fff;
    line-height: 1.05;
}

.hero-typed-wrapper {
    display: inline-flex;
    align-items: baseline;
    min-height: 1.25em;
    white-space: nowrap;
}

.typed-text {
    color: #e4e4e7;
}

/* zero-width space keeps a text baseline even when the typed word is fully
   deleted, so the heading height never jumps between cycles */
.typed-text::after { content: "\200B"; }

.typed-cursor {
    color: #e4e4e7;
    font-weight: 300;
    margin-left: 3px;
    animation: blink 1s step-end infinite;
}

@keyframes blink { 50% { opacity: 0; } }

.hero-subtitle {
    font-size: 1.08rem;
    max-width: 620px;
    margin: 0 auto 34px;
    color: rgba(255, 255, 255, .82);
}

.hero-cta {
    display: flex;
    flex-wrap: wrap;
    justify-content: center;
    gap: 14px;
    margin-bottom: 34px;
}

.hero-trust-bar {
    display: flex;
    flex-wrap: wrap;
    justify-content: center;
    gap: 10px 24px;
    margin-bottom: 38px;
}

.trust-item {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    font-size: .88rem;
    font-weight: 600;
    color: var(--ink-2);
}

.hero .trust-item { color: rgba(255, 255, 255, .88); }

.trust-item i { color: var(--green); }

.hero-stats {
    display: inline-flex;
    align-items: center;
    gap: 28px;
    background: rgba(255, 255, 255, .05);
    border: 1px solid rgba(255, 255, 255, .12);
    border-radius: 0;
    padding: 22px 32px;
}

.hero-stat { text-align: left; font-family: var(--font-display); font-weight: 400; color: #fff; font-size: 1.45rem; }

.hero-stat-number { font-family: var(--font-display); font-size: 1.45rem; }

.hero-stat-label {
    display: block;
    font-family: var(--font-mono);
    font-size: .68rem;
    font-weight: 400;
    color: rgba(255, 255, 255, .5);
    margin-top: 4px;
    letter-spacing: .08em;
    text-transform: uppercase;
}

.hero-stat-divider { width: 1px; height: 44px; background: rgba(255, 255, 255, .18); }

/* --- full-bleed hero video --- */
.hero-video-wrapper {
    position: absolute;
    inset: 0;
    z-index: 0;
    background: var(--bg-deep);
    overflow: hidden;
}

.hero-video {
    width: 100%;
    height: 100%;
    object-fit: cover;
}

.hero-overlay {
    position: absolute;
    inset: 0;
    background: linear-gradient(180deg, rgba(0, 0, 0, .72) 0%, rgba(0, 0, 0, .6) 45%, rgba(0, 0, 0, .78) 100%);
    pointer-events: none;
}

/* legacy decorative hooks (unused in new layout, kept harmless) */
.hero-gradient-top, .hero-gradient-bottom, .hero-vignette, .hero-particles, .particle, .hero-scroll { display: none; }

.hero-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    font-family: var(--font-mono);
    font-size: .72rem;
    font-weight: 700;
    letter-spacing: .12em;
    text-transform: uppercase;
    color: rgba(255, 255, 255, .6);
    margin-bottom: 20px;
}

/* ==========================================================================
   BANK TRUST BAR MARQUEE  (mirrors the check-eligibility .apply-banks strip)
   ========================================================================== */
.apply-banks { padding: 56px 0; background: var(--bg); }

.banks-title {
    text-align: center;
    font-size: .78rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: .16em;
    color: var(--muted);
    margin-bottom: 26px;
}

.banks-title i { margin-right: 7px; color: var(--ink-2); }

.banks-logos {
    overflow: hidden;
    -webkit-mask-image: linear-gradient(90deg, transparent, #000 12%, #000 88%, transparent);
    mask-image: linear-gradient(90deg, transparent, #000 12%, #000 88%, transparent);
}

.banks-track {
    display: flex;
    align-items: center;
    gap: 64px;
    width: max-content;
    animation: marquee 32s linear infinite;
}

/* Logos ship with opaque white backgrounds, so on the dark strip each sits on
   its own white chip to stay legible (grey/muted by default, full colour on hover). */
.banks-track img {
    height: 56px;
    width: auto;
    object-fit: contain;
    background: #fff;
    padding: 9px 16px;
    border-radius: 6px;
    box-shadow: 0 4px 14px rgba(0, 0, 0, .3);
    filter: grayscale(1);
    transition: filter .3s ease, transform .3s ease;
}

.banks-track img:hover { filter: none; transform: translateY(-3px); }

@keyframes marquee {
    from { transform: translateX(0); }
    to { transform: translateX(-50%); }
}

/* ==========================================================================
   VALUE PROPOSITION (landing page)
   ========================================================================== */
.value-prop { padding: 120px 0; background: var(--bg); }

.value-prop-inner {
    display: grid;
    grid-template-columns: 1.1fr .9fr;
    gap: 64px;
    align-items: start;
}

.value-prop h2 {
    font-family: var(--font-display);
    font-size: clamp(1.8rem, 3.4vw, 2.6rem);
    font-weight: 400;
    line-height: 1.18;
    margin-bottom: 24px;
    color: var(--ink);
}

.value-prop-benefits {
    display: grid;
    gap: 28px;
}

.value-prop-benefit {
    display: flex;
    gap: 16px;
    align-items: flex-start;
}

.value-prop-benefit-kicker {
    font-family: var(--font-mono);
    font-size: .72rem;
    letter-spacing: .12em;
    text-transform: uppercase;
    color: var(--muted);
    white-space: nowrap;
    padding-top: 4px;
    min-width: 42px;
}

.value-prop-benefit p {
    font-size: 1rem;
    line-height: 1.6;
    color: var(--body);
}

.value-prop-benefit strong {
    color: var(--ink);
    font-weight: 600;
}

/* ==========================================================================
   SERVICES
   ========================================================================== */
/* match the hero's deep-black background (and drop the divider) so the products
   section reads as one continuous section with the hero above it */
.services { background: var(--bg-deep); position: relative; border-top: none; }

.services-bg-video { display: none; }

/* horizontal scroll rail — all six product cards on one scrollable row,
   on both desktop and mobile */
.services-grid {
    display: flex;
    gap: 24px;
    overflow-x: auto;
    overflow-y: hidden;
    scroll-snap-type: x proximity;
    padding: 8px 0 22px;
    -webkit-overflow-scrolling: touch;
}

/* horizontal-scroll cue — shown on every viewport, since the product cards sit
   on a scrollable rail on desktop too. A mono label with an arrow that nudges
   right to signal the rail. */
.services-scroll-hint {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 12px;
    margin-top: 6px;
    font-family: var(--font-mono);
    font-size: .66rem;
    letter-spacing: .18em;
    text-transform: uppercase;
    color: rgba(255, 255, 255, .5);
}
.services-scroll-hint .scroll-hint-track {
    display: inline-flex;
    color: rgba(255, 255, 255, .85);
    animation: swipeNudge 1.5s ease-in-out infinite;
}

@keyframes swipeNudge {
    0%, 100% { transform: translateX(0); opacity: .55; }
    50%      { transform: translateX(9px); opacity: 1; }
}
@media (prefers-reduced-motion: reduce) {
    .services-scroll-hint .scroll-hint-track { animation: none; }
}

/* product card — the artwork fills the card edge to edge with no scrim over it.
   The renders are already near-black with an empty upper region and their subject
   in the lower half, so white type reads straight off them. Content is split into
   two blocks — index/title/blurb at the top, benefits + CTA at the bottom — which
   leaves the middle of the card clear for the subject of the image. */
.service-card {
    position: relative;
    display: flex;
    flex-direction: column;
    justify-content: stretch;
    flex: 0 0 min(88vw, 420px);
    min-height: 660px;
    scroll-snap-align: start;
    padding: 32px;
    border: 1px solid var(--line);
    border-radius: var(--r-lg);
    overflow: hidden;
    box-shadow: var(--shadow-md);
    color: #fff;
    text-decoration: none;
    transition: transform .2s ease, box-shadow .2s ease, border-color .2s ease;
}

.service-card:hover {
    transform: translate(-3px, -3px);
    box-shadow: var(--shadow-lg);
    border-color: var(--line-2);
}

/* the image, and nothing else — full bleed, no overlay */
.service-card-media {
    position: absolute;
    inset: 0;
    z-index: 0;
    background-color: var(--bg-deep);   /* holds the card black until the image lands */
    background-image: var(--card-bg);
    background-size: cover;
    background-position: center;
    background-repeat: no-repeat;
}

/* per-card image (cards are in fixed order) */
.services-grid .service-card:nth-child(1) { --card-bg: url('https://pub-632ad043cfd042458b14770adf8bf2a8.r2.dev/credit_card.png'); }
.services-grid .service-card:nth-child(2) { --card-bg: url('https://pub-632ad043cfd042458b14770adf8bf2a8.r2.dev/personal_loan.png'); }
.services-grid .service-card:nth-child(3) { --card-bg: url('https://pub-632ad043cfd042458b14770adf8bf2a8.r2.dev/home_loan.png'); }
.services-grid .service-card:nth-child(4) { --card-bg: url('https://pub-632ad043cfd042458b14770adf8bf2a8.r2.dev/business_loan.png'); }
.services-grid .service-card:nth-child(5) { --card-bg: url('https://pub-632ad043cfd042458b14770adf8bf2a8.r2.dev/car_loan.png'); }
.services-grid .service-card:nth-child(6) { --card-bg: url('https://pub-632ad043cfd042458b14770adf8bf2a8.r2.dev/insurance.png'); }

/* the type sits directly on the artwork, so it carries its own soft shadow
   rather than the card carrying a scrim */
.service-card-panel {
    position: relative;
    z-index: 1;
    flex: 1;
    display: flex;
    flex-direction: column;
    text-shadow: 0 2px 16px rgba(0, 0, 0, .75), 0 1px 3px rgba(0, 0, 0, .5);
}

/* top row: index chip on the left, optional tag on the right */
.service-card-top {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 12px;
    margin-bottom: 24px;
}
.service-num {
    flex-shrink: 0;
    display: grid;
    place-items: center;
    width: 40px;
    height: 40px;
    background: #fff;
    color: #0a0a0b;
    font-family: var(--font-mono);
    font-weight: 700;
    font-size: .82rem;
    letter-spacing: .02em;
    text-shadow: none;
}

.service-card-panel h3 {
    font-family: var(--font-display);
    font-weight: 400;
    font-size: 2.15rem;
    line-height: 1.04;
    letter-spacing: -.02em;
    color: #fff;
    margin: 0 0 14px;
}

/* short description under the title */
.service-desc {
    font-size: .95rem;
    line-height: 1.6;
    color: rgba(255, 255, 255, .82);
    max-width: 32ch;
    margin: 0;
}

/* `margin-top: auto` drops the benefits + CTA cluster to the foot of the card,
   so the image breathes between the two blocks of type */
.service-benefits {
    list-style: none;
    margin: auto 0 22px;
    padding-top: 24px;
    border-top: 1px solid rgba(255, 255, 255, .22);
    display: flex;
    flex-direction: column;
    gap: 12px;
}
.service-benefits li {
    display: flex;
    align-items: flex-start;
    gap: 11px;
    font-size: .89rem;
    line-height: 1.45;
    color: rgba(255, 255, 255, .9);
}
.service-benefits li i {
    margin-top: 3px;
    font-size: .66rem;
    color: #0a0a0b;
    background: rgba(255, 255, 255, .92);
    width: 18px;
    height: 18px;
    border-radius: 50%;
    display: grid;
    place-items: center;
    flex-shrink: 0;
    text-shadow: none;
}

/* full-width Start Application button — a solid plane at the foot of the card
   (the benefits list above it does the pushing) */
.service-btn {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 10px;
    width: 100%;
    padding: 17px 18px;
    background: #fff;
    color: #0a0a0b;
    border-radius: var(--r-sm);
    font-family: var(--font-head);
    font-weight: 700;
    font-size: .78rem;
    letter-spacing: .1em;
    text-transform: uppercase;
    text-shadow: none;
    transition: transform .2s ease, box-shadow .2s ease;
}
.service-btn i { font-size: .8rem; transition: transform .25s ease; }
.service-card:hover .service-btn { box-shadow: 0 6px 20px rgba(0, 0, 0, .35); }
.service-card:hover .service-btn i { transform: translateX(5px); }

/* tag badge — sits in the card's top row, opposite the index chip */
.service-badge {
    flex-shrink: 0;
    background: var(--green);
    color: #fff;
    font-family: var(--font-mono);
    font-size: .68rem;
    font-weight: 700;
    letter-spacing: .1em;
    text-transform: uppercase;
    padding: 7px 14px;
    border-radius: 0;
    box-shadow: none;
    text-shadow: none;
}

.service-divider {
    height: 1px;
    background: var(--line);
    margin: 0 0 20px;
}

.service-includes {
    display: block;
    font-family: var(--font-head);
    font-weight: 700;
    font-size: 1rem;
    color: var(--ink);
    margin-bottom: 16px;
}

.service-features { margin-bottom: 26px; }

.service-features li {
    display: flex;
    align-items: flex-start;
    gap: 12px;
    font-size: .9rem;
    color: var(--body);
    line-height: 1.45;
    padding: 7px 0;
}

.service-features li .check-circle {
    flex-shrink: 0;
    width: 22px;
    height: 22px;
    margin-top: 1px;
    border-radius: 50%;
    display: grid;
    place-items: center;
    background: rgba(14, 175, 123, .14);
    color: var(--green);
    font-size: .62rem;
}

.service-highlight {
    margin-top: auto;
    display: flex;
    align-items: baseline;
    flex-wrap: wrap;
    gap: 4px 10px;
}

.service-highlight-value {
    font-family: var(--font-head);
    font-weight: 800;
    font-size: 1.6rem;
    color: var(--ink);
    letter-spacing: -.02em;
}

.service-highlight-label {
    font-size: .84rem;
    color: var(--muted);
}

/* full-width attached footer button — flat dark surface */
.service-cta {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 9px;
    padding: 17px 20px;
    background: #1a1a1d;
    color: #fff;
    font-family: var(--font-head);
    font-weight: 700;
    font-size: .78rem;
    letter-spacing: .1em;
    text-transform: uppercase;
    text-shadow: none;
    transition: background .2s ease, gap .2s ease;
}

.service-cta i { font-size: .82rem; transition: transform .25s ease; }
.service-card:hover .service-cta {
    background: #232327;
}
.service-card:hover .service-cta i { transform: translateX(5px); }

/* ==========================================================================
   ABOUT
   ========================================================================== */
.about { background: #fff; position: relative; }

.about-video-bg { display: none; }
.about-spacer { display: none; }

.about-grid {
    display: grid;
    grid-template-columns: .95fr 1.05fr;
    gap: 64px;
    align-items: center;
}

.about-media { position: relative; }

.about-photo-card {
    position: relative;
    border-radius: var(--r-xl);
    overflow: hidden;
    border: 1px solid var(--line);
    box-shadow: var(--shadow-lg);
    background: var(--bg-deep);
    aspect-ratio: 4 / 4.4;
}

.about-photo-card video { width: 100%; height: 100%; object-fit: cover; }

/* dark overlay over the video — tones down the bright/shiny footage */
.about-photo-card::after {
    content: "";
    position: absolute;
    inset: 0;
    background: rgba(8, 8, 10, .42);
    pointer-events: none;
}

.about-experience-badge {
    position: absolute;
    bottom: -22px;
    right: -14px;
    display: flex;
    align-items: center;
    gap: 12px;
    background: var(--ink);
    color: #fff;
    border-radius: 0;
    box-shadow: var(--shadow-md);
    padding: 16px 22px;
}

.exp-number { font-family: var(--font-display); font-size: 1.9rem; font-weight: 400; line-height: 1; }
.exp-text { font-size: .72rem; line-height: 1.3; opacity: .92; font-family: var(--font-mono); letter-spacing: .06em; text-transform: uppercase; }

.about-content .section-tag { margin-bottom: 16px; }
.about-content .section-title { text-align: left; }

.about-description { margin: 18px 0 30px; font-size: 1.02rem; }

.about-features { display: grid; gap: 20px; margin-bottom: 34px; }

.about-feature { display: flex; gap: 16px; align-items: flex-start; }

.about-feature-icon {
    flex-shrink: 0;
    width: 44px;
    height: 44px;
    border-radius: 0;
    display: grid;
    place-items: center;
    background: var(--primary-soft);
    color: var(--ink-2);
    font-size: 1rem;
}

.about-feature h4 { font-size: 1.02rem; margin-bottom: 3px; }
.about-feature p { font-size: .9rem; }

/* ==========================================================================
   WHY US
   ========================================================================== */
.why-us { background: var(--bg-soft); }

.why-us-grid {
    display: grid;
    grid-template-columns: 1.05fr .95fr;
    gap: 64px;
    align-items: center;
}

.why-us-content .section-title { text-align: left; }
.why-us-content .section-tag { margin-bottom: 16px; }
.why-us-content .section-subtitle { margin: 14px 0 30px; }

.why-us-items { display: grid; gap: 14px; }

.why-us-item {
    display: flex;
    gap: 16px;
    align-items: flex-start;
    background: #fff;
    border: 1px solid var(--line);
    border-radius: var(--r-md);
    padding: 18px 20px;
    transition: transform .2s ease, box-shadow .2s ease;
}

.why-us-item:hover { transform: translate(-2px, -2px); box-shadow: var(--shadow-md); }

.why-us-item-icon {
    flex-shrink: 0;
    width: 44px;
    height: 44px;
    border-radius: 0;
    display: grid;
    place-items: center;
    background: var(--ink);
    color: #fff;
    font-size: .95rem;
}

.why-us-item h4 { font-size: 1rem; margin-bottom: 2px; }
.why-us-item p { font-size: .88rem; }

.why-us-card {
    background: #fff;
    border: 1px solid var(--line);
    border-radius: var(--r-lg);
    box-shadow: var(--shadow-lg);
    padding: 42px 36px;
    text-align: center;
}

.satisfaction-ring { position: relative; width: 190px; margin: 0 auto 30px; }

.satisfaction-ring svg { width: 100%; transform: rotate(-90deg); }

.ring-text {
    position: absolute;
    inset: 0;
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
}

.ring-number { font-family: var(--font-display); font-size: 2.1rem; font-weight: 400; color: var(--ink); }
.ring-label { font-size: .76rem; color: var(--muted); max-width: 110px; }

.mini-stats { display: grid; gap: 12px; text-align: left; }

.mini-stat {
    display: flex;
    align-items: center;
    gap: 12px;
    background: var(--bg-soft);
    border-radius: 12px;
    padding: 13px 16px;
    font-size: .9rem;
    font-weight: 600;
    color: var(--ink-2);
}

.mini-stat i { color: var(--ink-2); }

/* ==========================================================================
   SERVICES — "THE MYCRED DIFFERENCE" v2
   4-up icon-top cards, then a proof strip: satisfaction ring (caption BELOW
   the circle) + headline metrics. Services-page classes only.
   ========================================================================== */
.diff-v2 { background: var(--bg-soft); }

.diff-v2-head { max-width: 720px; margin: 0 auto 48px; text-align: center; }
.diff-v2-head .section-tag { justify-content: center; }
.diff-v2-head .section-title { text-align: center; }
.diff-v2-head .section-subtitle { text-align: center; }

.diff-v2-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 20px;
}

.diff-v2-item {
    background: var(--surface);
    border: 1px solid var(--line);
    border-radius: var(--r-lg);
    padding: 30px 26px;
    transition: transform .2s ease, box-shadow .2s ease;
}

.diff-v2-item:hover { transform: translate(-3px, -3px); box-shadow: var(--shadow-md); }

.diff-v2-item-icon {
    width: 50px;
    height: 50px;
    display: grid;
    place-items: center;
    background: var(--chip);
    color: var(--on-chip);
    font-size: 1.15rem;
    margin-bottom: 20px;
}

.diff-v2-item h4 { font-size: 1.05rem; margin-bottom: 8px; }
.diff-v2-item p { font-size: .9rem; color: var(--body); }

/* proof strip */
.diff-v2-proof {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 56px;
    flex-wrap: wrap;
    background: var(--surface);
    border: 1px solid var(--line);
    border-radius: var(--r-lg);
    box-shadow: var(--shadow-md);
    padding: 38px 40px;
    margin-bottom: 48px;
}

/* ring with its caption stacked underneath the circle */
.diff-v2-ring {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 16px;
    flex-shrink: 0;
}
.diff-v2-proof .satisfaction-ring { width: 152px; margin: 0; }
.diff-v2-ring-caption {
    max-width: 190px;
    text-align: center;
    font-size: .84rem;
    line-height: 1.4;
    color: var(--muted);
}

.diff-v2-metrics { display: flex; align-items: center; gap: 36px; flex-wrap: wrap; justify-content: center; }
.diff-v2-metric { display: flex; flex-direction: column; }
.diff-v2-metric span { font-family: var(--font-display); font-size: 1.95rem; line-height: 1; color: var(--ink); }
.diff-v2-metric small {
    margin-top: 7px;
    font-family: var(--font-mono);
    font-size: .7rem;
    letter-spacing: .08em;
    text-transform: uppercase;
    color: var(--muted);
}
.diff-v2-divider { width: 1px; align-self: stretch; background: var(--line-2); }

/* ==========================================================================
   HOW IT WORKS
   ========================================================================== */
.how-it-works { background: #fff; }

.steps-grid {
    display: grid;
    grid-template-columns: 1fr auto 1fr auto 1fr auto 1fr;
    gap: 18px;
    align-items: stretch;
}

.step-card {
    position: relative;
    background: var(--bg-soft);
    border: 1px solid var(--line);
    border-radius: var(--r-lg);
    padding: 34px 24px 28px;
    text-align: center;
    transition: transform .25s ease, box-shadow .25s ease, background .25s ease;
}

.step-card:hover { transform: translate(-2px, -2px); box-shadow: var(--shadow-md); background: #fff; }

.step-number {
    position: absolute;
    top: -14px;
    left: 50%;
    transform: translateX(-50%);
    background: var(--ink);
    color: #fff;
    font-family: var(--font-mono);
    font-weight: 700;
    font-size: .72rem;
    letter-spacing: .06em;
    padding: 5px 14px;
    border-radius: 0;
    box-shadow: var(--shadow-sm);
}

.step-icon {
    width: 58px;
    height: 58px;
    margin: 8px auto 18px;
    border-radius: 0;
    display: grid;
    place-items: center;
    background: #fff;
    border: 1px solid var(--line);
    color: var(--ink-2);
    font-size: 1.25rem;
}

.step-card h3 { font-size: 1.08rem; margin-bottom: 8px; }
.step-card p { font-size: .88rem; }

.step-connector {
    align-self: center;
    color: var(--line-2);
    font-size: 1rem;
}

/* ==========================================================================
   COUNTERS BAND
   ========================================================================== */
.counter-section {
    background: var(--grad-deep);
    padding: 72px 0;
    position: relative;
    overflow: hidden;
}

.counter-section::before {
    content: "";
    position: absolute;
    inset: 0;
    background-image: radial-gradient(rgba(255, 255, 255, .1) 1px, transparent 1px);
    background-size: 26px 26px;
    opacity: .35;
}

.counter-grid {
    position: relative;
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 24px;
    text-align: center;
}

.counter-icon {
    width: 52px;
    height: 52px;
    margin: 0 auto 14px;
    border-radius: 0;
    display: grid;
    place-items: center;
    background: rgba(255, 255, 255, .08);
    border: 1px solid rgba(255, 255, 255, .14);
    color: rgba(255, 255, 255, .72);
    font-size: 1.15rem;
}

.counter-number, .counter-suffix {
    display: inline-block;
    font-family: var(--font-display);
    font-size: 2.4rem;
    font-weight: 400;
    color: #fff;
    line-height: 1.1;
}

.counter-label {
    margin-top: 6px;
    font-family: var(--font-mono);
    font-size: .72rem;
    letter-spacing: .08em;
    text-transform: uppercase;
    color: rgba(255, 255, 255, .5);
}

/* ==========================================================================
   TESTIMONIALS
   ========================================================================== */
.testimonials { background: var(--bg-soft); }

.testimonial-slider {
    max-width: 760px;
    margin: 0 auto;
    overflow: hidden;
}

.testimonial-track {
    display: flex;
    transition: transform .55s cubic-bezier(.22, .8, .3, 1);
}

.testimonial-card {
    flex: 0 0 100%;
    background: #fff;
    border: 1px solid var(--line);
    border-radius: var(--r-lg);
    box-shadow: var(--shadow-sm);
    padding: 40px 44px;
    position: relative;
}

.testimonial-card::before {
    content: "\201C";
    position: absolute;
    top: 14px;
    right: 30px;
    font-family: var(--font-display);
    font-size: 5.5rem;
    line-height: 1;
    color: var(--primary-soft);
}

.testimonial-rating { color: var(--gold); font-size: .9rem; margin-bottom: 18px; display: flex; gap: 4px; }

.testimonial-text {
    font-size: 1.04rem;
    color: var(--ink-2);
    margin-bottom: 26px;
    position: relative;
}

.testimonial-author { display: flex; align-items: center; gap: 14px; }

.testimonial-author img {
    width: 52px;
    height: 52px;
    border-radius: 50%;
    object-fit: cover;
    border: 2px solid var(--primary-soft);
}

.testimonial-author h4 { font-size: .98rem; }
.testimonial-author span { font-size: .8rem; color: var(--muted); }

.testimonial-controls {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 22px;
    margin-top: 30px;
}

.testimonial-btn {
    width: 44px;
    height: 44px;
    border-radius: 0;
    background: #fff;
    border: 1px solid var(--line-2);
    color: var(--ink);
    font-size: .9rem;
    transition: background .2s ease, color .2s ease, border-color .2s ease;
}

.testimonial-btn:hover { background: var(--ink); border-color: var(--ink); color: #fff; }

.testimonial-dots { display: flex; gap: 8px; }

.testimonial-dot {
    width: 8px;
    height: 8px;
    border-radius: 0;
    background: var(--line-2);
    cursor: pointer;
    transition: width .25s ease, background .25s ease;
    border: none;
    padding: 0;
}

.testimonial-dot.active { width: 26px; background: var(--ink); }

/* --- review videos strip --- */
.review-videos-section { margin-top: 72px; }

.review-videos-title {
    text-align: center;
    font-size: 1.3rem;
    margin-bottom: 30px;
}

.review-videos-title i { color: var(--ink-2); margin-right: 8px; }

.review-videos-wrapper {
    overflow: hidden;
    -webkit-mask-image: linear-gradient(90deg, transparent, #000 8%, #000 92%, transparent);
    mask-image: linear-gradient(90deg, transparent, #000 8%, #000 92%, transparent);
}

.review-videos-track {
    display: flex;
    gap: 18px;
    width: max-content;
    animation: marquee 70s linear infinite;
}

.review-videos-track:hover { animation-play-state: paused; }

.review-video-card {
    position: relative;
    width: 200px;
    aspect-ratio: 9 / 16;
    border-radius: var(--r-md);
    overflow: hidden;
    cursor: pointer;
    background: var(--bg-deep);
    border: 1px solid var(--line);
    flex-shrink: 0;
}

.review-video-card video { width: 100%; height: 100%; object-fit: cover; }

.review-video-overlay {
    position: absolute;
    inset: 0;
    display: grid;
    place-items: center;
    background: rgba(7, 20, 49, .3);
    color: #fff;
    font-size: 2rem;
    transition: opacity .25s ease;
}

.review-video-card.playing .review-video-overlay { opacity: 0; }

.review-video-card.playing { border-color: var(--ink-2); }

/* ==========================================================================
   CTA BAND
   ========================================================================== */
.cta-section { padding: 40px 0 104px; background: var(--bg-soft); }

.cta-card {
    position: relative;
    background: var(--grad-deep);
    border-radius: 0;
    border: 1px solid var(--line);
    padding: 72px 56px;
    text-align: center;
    overflow: hidden;
}

.cta-card::before {
    content: "";
    position: absolute;
    inset: 0;
    background:
        radial-gradient(30rem 16rem at 85% 0%, rgba(255, 255, 255, .07), transparent 60%),
        radial-gradient(24rem 14rem at 10% 100%, rgba(255, 255, 255, .05), transparent 60%);
    pointer-events: none;
}

.cta-content { position: relative; max-width: 620px; margin: 0 auto; }

.cta-card h2 { color: #fff; font-size: clamp(1.7rem, 3.2vw, 2.4rem); margin-bottom: 14px; }

.cta-card p { color: rgba(255, 255, 255, .74); margin-bottom: 34px; }

.cta-buttons { display: flex; justify-content: center; flex-wrap: wrap; gap: 14px; }

/* ==========================================================================
   FAQ
   ========================================================================== */
.faq { background: #fff; }

.faq-grid { max-width: 760px; margin: 0 auto; display: grid; gap: 14px; }

.faq-item {
    background: #fff;
    border: 1px solid var(--line);
    border-radius: var(--r-md);
    overflow: hidden;
    transition: border-color .25s ease, box-shadow .25s ease;
}

.faq-item.active { border-color: var(--line-2); box-shadow: var(--shadow-sm); }

.faq-question {
    width: 100%;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 18px;
    text-align: left;
    padding: 20px 24px;
    font-family: var(--font-head);
    font-size: 1rem;
    font-weight: 700;
    color: var(--ink);
}

.faq-question i {
    flex-shrink: 0;
    width: 30px;
    height: 30px;
    border-radius: 0;
    display: grid;
    place-items: center;
    background: var(--primary-soft);
    color: var(--ink-2);
    font-size: .78rem;
    transition: transform .3s ease, background .3s ease, color .3s ease;
}

.faq-item.active .faq-question i {
    transform: rotate(45deg);
    background: var(--ink);
    color: #fff;
}

.faq-answer {
    max-height: 0;
    overflow: hidden;
    transition: max-height .4s ease, padding .4s ease;
}

.faq-item.active .faq-answer { max-height: 320px; }

.faq-answer p { padding: 0 24px 22px; font-size: .93rem; }

/* ==========================================================================
   CONTACT / LEAD FORM
   ========================================================================== */
.contact { background: var(--bg-soft); }

.contact-grid {
    display: grid;
    grid-template-columns: .9fr 1.1fr;
    gap: 56px;
    align-items: flex-start;
}

.contact-info .section-title { text-align: left; }
.contact-info > p { margin: 14px 0 32px; }

.contact-details { display: grid; gap: 20px; margin-bottom: 34px; }

.contact-detail { display: flex; gap: 16px; align-items: flex-start; }

.contact-detail-icon {
    flex-shrink: 0;
    width: 46px;
    height: 46px;
    border-radius: 0;
    display: grid;
    place-items: center;
    background: #fff;
    border: 1px solid var(--line);
    color: var(--ink-2);
    font-size: 1rem;
}

.contact-detail h4 { font-size: .98rem; margin-bottom: 2px; }
.contact-detail p { font-size: .9rem; }

.contact-social { display: flex; gap: 10px; }

.contact-social a, .footer-social a {
    width: 42px;
    height: 42px;
    border-radius: 0;
    display: grid;
    place-items: center;
    background: #fff;
    border: 1px solid var(--line);
    color: var(--ink-2);
    font-size: .92rem;
    transition: background .15s ease, color .15s ease, border-color .15s ease, transform .15s ease;
}

.contact-social a:hover { background: var(--ink); border-color: var(--ink); color: #fff; transform: translate(-1px, -1px); }

/* --- form card --- */
.contact-form-wrapper { position: relative; }

.contact-form {
    background: #fff;
    border: 1px solid var(--line);
    border-radius: var(--r-lg);
    box-shadow: var(--shadow-lg);
    padding: 40px 38px;
}

.contact-form h3 { font-size: 1.4rem; margin-bottom: 6px; }
.contact-form > p { font-size: .9rem; margin-bottom: 26px; }

.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.form-row-three { grid-template-columns: 1fr 1fr 1fr; }

.form-name-group { margin-bottom: 0; }

.form-name-heading {
    display: block;
    font-size: .82rem;
    font-weight: 600;
    color: var(--ink-2);
    margin-bottom: 8px;
}

/* floating-label group (shared with all form pages) */
.form-group { position: relative; margin-bottom: 18px; }

.form-group input,
.form-group select,
.form-group textarea {
    width: 100%;
    padding: 15px 16px;
    font-family: var(--font-body);
    font-size: .95rem;
    color: var(--ink);
    background: var(--bg-soft);
    border: 1px solid var(--line);
    border-radius: 2px;
    outline: none;
    transition: border-color .22s ease, background .22s ease, box-shadow .22s ease;
    appearance: none;
    -webkit-appearance: none;
}

.form-group textarea { resize: vertical; min-height: 88px; }

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
    border-color: var(--primary);
    background: #fff;
    box-shadow: 0 0 0 4px rgba(255, 255, 255, .06);
}

.form-group > label {
    position: absolute;
    left: 14px;
    top: 15px;
    font-size: .92rem;
    color: var(--muted);
    pointer-events: none;
    padding: 0 4px;
    background: transparent;
    transition: all .18s ease;
}

.form-group input:focus ~ label,
.form-group input:not(:placeholder-shown) ~ label,
.form-group select:focus ~ label,
.form-group select:valid ~ label,
.form-group textarea:focus ~ label,
.form-group textarea:not(:placeholder-shown) ~ label,
.form-group input[type="date"] ~ label {
    top: -9px;
    left: 12px;
    font-size: .72rem;
    font-weight: 600;
    color: var(--primary);
    background: #fff;
    border-radius: 4px;
}

/* select chevron */
.form-group select {
    background-image: url("data:image/svg+xml;charset=UTF-8,%3csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%237e8ca6' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3e%3cpolyline points='6 9 12 15 18 9'%3e%3c/polyline%3e%3c/svg%3e");
    background-repeat: no-repeat;
    background-position: right 14px center;
    background-size: 16px;
}

.field-hint {
    display: block;
    font-size: .74rem;
    color: var(--muted);
    margin-top: 5px;
}

/* consent checkbox */
.form-consent { margin: 6px 0 20px; }

.checkbox-label {
    display: flex;
    align-items: flex-start;
    gap: 10px;
    font-size: .84rem;
    color: var(--body);
    cursor: pointer;
}

.checkbox-label a { color: var(--primary); font-weight: 600; }
.checkbox-label a:hover { text-decoration: underline; }

.checkbox-label input[type="checkbox"] {
    width: 18px;
    height: 18px;
    margin-top: 2px;
    accent-color: var(--primary);
    cursor: pointer;
    flex-shrink: 0;
}

.checkmark { display: none; }

.form-note {
    margin-top: 16px;
    text-align: center;
    font-size: .78rem;
    color: var(--muted);
}

.form-note i { color: var(--green); margin-right: 5px; }

/* ineligible message card */
.ineligible-message {
    background: #fff;
    border: 1px solid #fbd5d5;
    border-radius: var(--r-lg);
    box-shadow: var(--shadow-md);
    padding: 44px 38px;
    text-align: center;
}

.ineligible-icon {
    width: 62px;
    height: 62px;
    margin: 0 auto 18px;
    border-radius: 50%;
    display: grid;
    place-items: center;
    background: #fdecec;
    color: var(--red);
    font-size: 1.5rem;
}

.ineligible-message h3 { font-size: 1.3rem; margin-bottom: 10px; }
.ineligible-message p { font-size: .94rem; }

.ineligible-note { margin-top: 14px; font-size: .84rem !important; color: var(--muted); }
.ineligible-note a { color: var(--primary); font-weight: 600; }

/* success modal injected by script.js */
.form-success {
    position: fixed;
    inset: 0;
    z-index: 5000;
    display: flex;
    align-items: center;
    justify-content: center;
    padding: 24px;
    background: rgba(7, 20, 49, .55);
    backdrop-filter: blur(6px);
    opacity: 0;
    visibility: hidden;
    transition: opacity .3s ease, visibility .3s ease;
}

.form-success.show { opacity: 1; visibility: visible; }

.form-success-content {
    background: #fff;
    border-radius: var(--r-lg);
    box-shadow: var(--shadow-lg);
    padding: 46px 42px;
    max-width: 440px;
    width: 100%;
    text-align: center;
    transform: translateY(14px);
    transition: transform .3s ease;
}

.form-success.show .form-success-content { transform: translateY(0); }

.form-success-icon {
    font-size: 3.2rem;
    color: var(--green);
    margin-bottom: 16px;
}

.form-success-content h3 { font-size: 1.4rem; margin-bottom: 10px; }
.form-success-content p { font-size: .94rem; margin-bottom: 26px; }

/* ==========================================================================
   FOOTER
   ========================================================================== */
.footer {
    background: var(--bg-deep);
    color: rgba(255, 255, 255, .68);
    padding: 80px 0 0;
}

.footer-grid {
    display: grid;
    grid-template-columns: 1.5fr 1fr 1fr 1.3fr;
    gap: 48px;
    padding-bottom: 56px;
}

.footer-logo { display: inline-flex; align-items: center; gap: 15px; margin-bottom: 26px; }

/* same mark + wordmark lockup as the navbar, sitting flush on the column's left
   edge, in line with the paragraph and social icons below it. See the .nav-logo
   note above for why the trimmed assets are used. */
.footer-logo .brand-mark {
    width: auto;
    height: 62px;
    object-fit: contain;
}

.footer-logo .brand-word {
    width: auto;
    height: 21px;
    object-fit: contain;
}

.footer-brand p { font-size: .9rem; margin-bottom: 22px; }

.footer-social { display: flex; gap: 10px; }

.footer-social a {
    background: rgba(255, 255, 255, .06);
    border-color: rgba(255, 255, 255, .12);
    color: rgba(255, 255, 255, .8);
}

.footer-social a:hover { background: rgba(255, 255, 255, .18); border-color: rgba(255, 255, 255, .3); color: #fff; transform: translateY(-3px); }

.footer h4 {
    color: #fff;
    font-size: .95rem;
    margin-bottom: 20px;
    letter-spacing: .02em;
}

.footer-links li { margin-bottom: 11px; }

.footer-links a {
    font-size: .9rem;
    color: rgba(255, 255, 255, .6);
    transition: color .2s ease, padding-left .2s ease;
}

.footer-links a:hover { color: #fff; padding-left: 5px; }

.footer-contact li {
    display: flex;
    gap: 12px;
    align-items: flex-start;
    font-size: .9rem;
    margin-bottom: 13px;
}

.footer-contact i { color: rgba(255, 255, 255, .45); margin-top: 4px; }

.footer-bottom {
    border-top: 1px solid rgba(255, 255, 255, .09);
    padding: 22px 0;
    display: flex;
    align-items: center;
    justify-content: space-between;
    flex-wrap: wrap;
    gap: 12px;
    font-size: .82rem;
}

.footer-bottom-links { display: flex; gap: 22px; }

.footer-bottom-links a { color: rgba(255, 255, 255, .55); transition: color .2s ease; }
.footer-bottom-links a:hover { color: #fff; }

/* ==========================================================================
   BACK TO TOP
   ========================================================================== */
.back-to-top {
    position: fixed;
    bottom: 96px;
    right: 26px;
    z-index: 900;
    width: 46px;
    height: 46px;
    border-radius: 0;
    background: #fff;
    border: 1px solid var(--line);
    box-shadow: var(--shadow-sm);
    color: var(--ink);
    font-size: .9rem;
    opacity: 0;
    visibility: hidden;
    transform: translateY(10px);
    transition: opacity .3s ease, visibility .3s ease, transform .3s ease, background .2s ease, color .2s ease;
}

.back-to-top.visible { opacity: 1; visibility: visible; transform: translateY(0); }

.back-to-top:hover { background: var(--ink); color: #fff; border-color: var(--ink); }

/* ==========================================================================
   RESPONSIVE
   ========================================================================== */
@media (max-width: 1024px) {
    .section { padding: 84px 0; }
    .value-prop { padding: 84px 0; }

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

    .about-grid, .why-us-grid, .contact-grid, .value-prop-inner { grid-template-columns: 1fr; gap: 48px; }
    .about-media { max-width: 520px; }

    .steps-grid { grid-template-columns: 1fr 1fr; gap: 26px; }
    .step-connector { display: none; }

    .counter-grid { grid-template-columns: 1fr 1fr; gap: 40px 20px; }

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

    /* services — MYCRED Difference */
    .diff-v2-grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 768px) {
    /* bar keeps only the logo + hamburger; everything else is in the overlay */
    .nav-actions { display: none; }

    .nav-container {
        height: 100px;
        padding: 0 20px;
        gap: 12px;
        background: transparent;
        border: none;
    }
    .navbar::before { display: none; }

    /* icon-only hamburger on phones (drop the MENU label + its reserved space) */
    .nav-toggle { width: 46px; height: 46px; margin-left: 0; }
    .nav-toggle::before { display: none; }

    /* slightly smaller lockup on phones */
    /* lockup scales down together so the mark/wordmark ratio holds */
    .nav-logo { gap: 11px; }
    .nav-logo .brand-mark { height: 46px; }
    .nav-logo .brand-word { height: 16px; }

    .nav-menu { padding: 100px 26px 52px; }

    /* ---- Products becomes an in-flow dropdown -------------------------- */
    /* "Products" stays a real link to the products page; the chevron beside it
       is what expands the preview tiles. */
    .nav-item-products {
        display: flex;
        align-items: center;
        justify-content: space-between;
        gap: 16px;
    }

    .nav-menu > li.nav-products {
        position: static;
        width: 100%;
        max-height: none;
        overflow: visible;
    }

    /* chevron only — a tap target sized independently of the link next to it */
    .nav-products-toggle {
        display: grid;
        place-items: center;
        flex-shrink: 0;
        width: 44px;
        height: 44px;
        border: 1px solid rgba(255, 255, 255, .2);
        background: transparent;
        color: rgba(255, 255, 255, .6);
        font-size: .85rem;
        transition: color .25s ease, border-color .25s ease;
    }
    .nav-products-toggle i { transition: transform .3s cubic-bezier(.16, 1, .3, 1); }
    .nav-item-products.open .nav-products-toggle { color: #fff; border-color: rgba(255, 255, 255, .5); }
    .nav-item-products.open .nav-products-toggle i { transform: rotate(180deg); }

    /* collapsed by default; opened by nav-products.js */
    .nav-products-panel {
        max-height: 0;
        overflow: hidden;
        transition: max-height .45s cubic-bezier(.16, 1, .3, 1);
    }
    .nav-products.open .nav-products-panel { max-height: 720px; }

    .nav-products-kicker { display: none; }
    .nav-products-all { display: none; }   /* the "Products" link already does this */
    .nav-products-grid { gap: 10px; padding: 14px 0 4px; }
    .nav-product { aspect-ratio: 16 / 9; padding: 12px; }
    .nav-product-name { font-size: 1rem; }
    .nav-product-desc { font-size: .56rem; }

    /* services — MYCRED Difference stacks on phones */
    .diff-v2-grid { grid-template-columns: 1fr; }
    .diff-v2-proof { flex-direction: column; gap: 32px; padding: 34px 24px; }

    /* keep the three stats on ONE row even on phones, in smaller type. The two
       hairline dividers (both children of .diff-v2-metrics) stay, so the single
       row still reads as three distinct figures. */
    .diff-v2-metrics {
        width: 100%;
        flex-wrap: nowrap;
        gap: 0;
        justify-content: space-between;
    }
    .diff-v2-metric { flex: 1; align-items: center; text-align: center; padding: 0 6px; }
    .diff-v2-metric span { font-size: 1.35rem; }
    .diff-v2-metric small { margin-top: 5px; font-size: .56rem; letter-spacing: .06em; }
    .diff-v2-divider { align-self: center; height: 34px; }

    .hero { padding-top: calc(var(--nav-h) + 48px); }

    .hero-stats {
        width: 100%;
        justify-content: space-between;
        gap: 12px;
        padding: 18px 20px;
    }

    .hero-stat-number, .hero-stat { font-size: 1.15rem; }

    .cta-card { padding: 56px 26px; }

    .testimonial-card { padding: 30px 24px; }

    .form-row { grid-template-columns: 1fr; gap: 0; }

    /* keep First / Middle / Last on one row even on mobile */
    .form-row-three { grid-template-columns: 1fr 1fr 1fr; gap: 8px; }
    .form-row-three .form-group input { padding-left: 12px; padding-right: 12px; }
    .form-row-three .form-group > label { left: 11px; font-size: .82rem; }

    /* same for First / Last where there is no middle-name field */
    .form-row-two { grid-template-columns: 1fr 1fr; gap: 10px; }
    .form-row-two .form-group input { padding-left: 12px; padding-right: 12px; }
    .form-row-two .form-group > label { left: 11px; font-size: .82rem; }

    .contact-form { padding: 30px 22px; }

    .review-video-card { width: 160px; }
}

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

    /* keep the taller card within a phone screen */
    .service-card { flex: 0 0 min(88vw, 380px); min-height: 580px; padding: 26px; }
    .service-card-panel h3 { font-size: 1.9rem; }
    .service-card-top { margin-bottom: 18px; }
    .service-benefits { margin-bottom: 18px; padding-top: 20px; }

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

    .counter-number, .counter-suffix { font-size: 1.9rem; }

    .footer-grid { grid-template-columns: 1fr; gap: 36px; }

    .footer-logo { gap: 12px; }
    .footer-logo .brand-mark { height: 50px; }
    .footer-logo .brand-word { height: 17px; }

    .footer-bottom { justify-content: center; text-align: center; }

    .btn-lg { padding: 14px 26px; }

    .section-title { font-size: 1.7rem; }
}

/* ==========================================================================
   DARK MONOCHROME THEME OVERRIDES
   Fixes hardcoded light colours (#fff surfaces, blue/gold/green accents,
   light gradients) that don't route through the tokens above.
   ========================================================================== */
::selection { background: rgba(255, 255, 255, .18); color: #fff; }

.section-tag { background: var(--surface); }

/* white CTAs get dark text */
.btn-primary, .btn-hero-primary { color: var(--on-primary); }
.btn-outline { background: var(--surface); color: var(--ink); }
.btn-light { background: #f4f4f5; color: var(--on-primary); }

.service-card { background: var(--surface); }
.service-cta {
    background:
        linear-gradient(180deg, rgba(255, 255, 255, .06) 0%, rgba(255, 255, 255, 0) 60%),
        #202024;
    color: var(--ink);
    text-shadow: none;
}
.service-badge { background: var(--chip); color: var(--on-chip); box-shadow: 0 4px 12px rgba(0, 0, 0, .4); }
.service-features li .check-circle { background: rgba(255, 255, 255, .08); color: var(--ink-2); }

.about { background: var(--bg); }
.about-experience-badge { background: var(--chip); color: var(--on-chip); }

.hero-badge i { color: var(--ink-2); }
.badge-pulse::after { background: rgba(255, 255, 255, .28); }
.typed-text, .typed-cursor { color: #e4e4e7; }

.why-us-item { background: var(--surface); }
.why-us-item-icon { background: var(--chip); color: var(--on-chip); }
.why-us-card { background: var(--surface); }

.how-it-works { background: var(--bg); }
.step-card:hover { background: var(--surface-2); }
.step-icon { background: var(--surface-2); }
.step-number { background: var(--chip); color: var(--on-chip); }

.testimonial-card { background: var(--surface); }
.testimonial-card::before { color: rgba(255, 255, 255, .07); }
.testimonial-author img { border-color: var(--line-2); }
.testimonial-btn { background: var(--surface); color: var(--ink); }
.testimonial-btn:hover { background: var(--chip); border-color: var(--chip); color: var(--on-chip); }
.testimonial-dot.active { background: var(--chip); }

.faq { background: var(--bg); }
.faq-item { background: var(--surface); }
.faq-item.active .faq-question i { background: var(--chip); color: var(--on-chip); }

.contact-detail-icon { background: var(--surface-2); }
.contact-social a { background: var(--surface-2); }
.contact-social a:hover { background: var(--chip); color: var(--on-chip); border-color: var(--chip); }
.contact-form { background: var(--surface); }

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus { background: var(--surface-2); box-shadow: 0 0 0 4px rgba(255, 255, 255, .06); }
.form-group input:focus ~ label,
.form-group input:not(:placeholder-shown) ~ label,
.form-group select:focus ~ label,
.form-group select:valid ~ label,
.form-group textarea:focus ~ label,
.form-group textarea:not(:placeholder-shown) ~ label,
.form-group input[type="date"] ~ label { background: var(--surface); }

.ineligible-message { background: var(--surface); border-color: rgba(242, 109, 109, .3); }
.ineligible-icon { background: rgba(242, 109, 109, .12); }

.form-success { background: rgba(0, 0, 0, .7); }
.form-success-content { background: var(--surface); }

.back-to-top { background: var(--surface-2); color: var(--ink); }
.back-to-top:hover { background: var(--chip); color: var(--on-chip); border-color: var(--chip); }