*,*::before,*::after{box-sizing:border-box;margin:0;padding:0;}
:root{
  --black:var(--bg);
  --s1:var(--s1);
  --s2:var(--s2);
  --s3:var(--s3);
  --bd:var(--bd);
  --gold:#c9a84c;
  --gold2:#e2c47a;
  --gold3:#f0dfa0;
  --goldfade:rgba(201,168,76,0.08);
  --goldbdr:rgba(201,168,76,0.2);
  --silver:#9aa3b2;
  --silver2:#c8d0de;
  --white:var(--text);
  --muted:var(--muted);
  --dim:var(--bd2);
  --green:#5a9e6e;
  --red:#9e5a5a;
  --blue:#4a84c9;
}
html{scroll-behavior:smooth;}
body{font-family:var(--font-body);background:var(--black);color:var(--white);overflow-x:hidden;}

/* ── NAV ── */
nav{position:fixed;top:0;left:0;right:0;z-index:100;padding:1.25rem 4rem;display:flex;align-items:center;justify-content:space-between;transition:background .3s,backdrop-filter .3s;}
nav.scrolled{background:rgba(6,6,6,0.92);backdrop-filter:blur(16px);border-bottom:1px solid rgba(201,168,76,0.1);}
.nav-logo{font-family:var(--font-display);font-size:24px;font-weight:600;letter-spacing:.02em;color:var(--white);}
.nav-logo em{color:var(--gold);font-style:normal;}
.nav-links{display:flex;align-items:center;gap:2.5rem;}
.nav-link{font-size:13px;font-weight:500;color:var(--muted);cursor:pointer;transition:color .15s;text-decoration:none;}
.nav-link:hover{color:var(--white);}
.nav-ctas{display:flex;align-items:center;gap:.75rem;}
.btn-nav{padding:7px 18px;border-radius:6px;font-size:12.5px;font-weight:600;cursor:pointer;font-family:var(--font-body);transition:all .15s;border:none;}
.btn-ghost-nav{background:transparent;color:var(--silver);border:1px solid var(--bd);}
.btn-ghost-nav:hover{border-color:var(--gold);color:var(--gold2);}
.btn-gold-nav{background:var(--gold);color:var(--black);}
.btn-gold-nav:hover{background:var(--gold2);}

/* ── HERO ── */
.hero{min-height:100vh;display:flex;flex-direction:column;align-items:center;justify-content:center;padding:8rem 4rem 4rem;position:relative;overflow:hidden;}
.hero-bg{position:absolute;inset:0;background:radial-gradient(ellipse at 50% 0%,rgba(201,168,76,0.05) 0%,transparent 65%);}
.hero-grid-lines{position:absolute;inset:0;background-image:linear-gradient(rgba(201,168,76,0.03) 1px,transparent 1px),linear-gradient(90deg,rgba(201,168,76,0.03) 1px,transparent 1px);background-size:80px 80px;pointer-events:none;}

.hero-eyebrow{font-size:11px;font-weight:500;letter-spacing:.2em;color:var(--gold);text-transform:uppercase;margin-bottom:1.5rem;opacity:0;animation:fadeup .8s .2s forwards;}
.hero-headline{font-family:var(--font-display);font-size:clamp(52px,7vw,96px);font-weight:300;line-height:1.0;text-align:center;margin-bottom:1.5rem;opacity:0;animation:fadeup .8s .35s forwards;max-width:900px;}
.hero-headline strong{font-weight:600;color:var(--gold);}
.hero-sub{font-size:17px;color:var(--silver);text-align:center;line-height:1.7;max-width:560px;margin-bottom:3rem;opacity:0;animation:fadeup .8s .5s forwards;font-weight:300;}

/* AUDIENCE PICKER */
.audience-picker{display:flex;gap:1px;background:var(--bd);border-radius:12px;overflow:hidden;opacity:0;animation:fadeup .8s .65s forwards;margin-bottom:3.5rem;}
.ap-btn{padding:1.1rem 2.2rem;font-family:var(--font-display);font-size:18px;font-weight:600;cursor:pointer;background:var(--s1);color:var(--muted);border:none;transition:all .2s;position:relative;}
.ap-btn:first-child{border-radius:12px 0 0 12px;}
.ap-btn:last-child{border-radius:0 12px 12px 0;}
.ap-btn:hover{color:var(--white);background:var(--s2);}
.ap-btn.active{background:var(--gold);color:var(--black);}
.ap-btn .ap-icon{display:block;font-size:22px;margin-bottom:.25rem;}
.ap-btn .ap-label{display:block;font-size:12px;font-weight:400;font-family:var(--font-body);opacity:.7;margin-top:.15rem;}

/* DYNAMIC HERO CONTENT */
.hero-dynamic{text-align:center;min-height:140px;display:flex;flex-direction:column;align-items:center;justify-content:center;opacity:0;animation:fadeup .8s .8s forwards;}
.hd-amount{font-family:var(--font-display);font-size:clamp(48px,6vw,80px);font-weight:600;line-height:1;margin-bottom:.5rem;color:var(--gold);}
.hd-label{font-size:14px;color:var(--silver);margin-bottom:1.25rem;}
.hd-btns{display:flex;gap:.75rem;justify-content:center;flex-wrap:wrap;}
.btn-primary{padding:13px 32px;background:var(--gold);color:var(--black);border:none;border-radius:8px;font-family:var(--font-body);font-size:14px;font-weight:600;cursor:pointer;transition:all .2s;}
.btn-primary:hover{background:var(--gold2);transform:translateY(-1px);}
.btn-secondary{padding:13px 28px;background:transparent;color:var(--white);border:1px solid var(--bd);border-radius:8px;font-family:var(--font-body);font-size:14px;font-weight:500;cursor:pointer;transition:all .2s;}
.btn-secondary:hover{border-color:var(--gold);color:var(--gold2);}

/* LIVE TICKER */
.ticker-wrap{width:100%;overflow:hidden;border-top:1px solid var(--bd);border-bottom:1px solid var(--bd);background:var(--s1);padding:.7rem 0;}
.ticker{display:flex;gap:3rem;animation:ticker 40s linear infinite;white-space:nowrap;}
.ticker:hover{animation-play-state:paused;}
.tick-item{display:flex;align-items:center;gap:.5rem;font-size:12.5px;color:var(--silver);flex-shrink:0;}
.tick-dot{width:6px;height:6px;border-radius:50%;}
.tick-green{background:var(--green);}
.tick-gold{background:var(--gold);}
.tick-blue{background:var(--blue);}
.tick-val{color:var(--white);font-weight:600;}

/* ── SECTIONS ── */
section{padding:6rem 4rem;}
.section-eyebrow{font-size:11px;font-weight:500;letter-spacing:.18em;color:var(--gold);text-transform:uppercase;margin-bottom:1rem;}
.section-title{font-family:var(--font-display);font-size:clamp(36px,4vw,58px);font-weight:400;line-height:1.1;margin-bottom:1.25rem;}
.section-sub{font-size:16px;color:var(--silver);line-height:1.75;font-weight:300;max-width:560px;}

/* ── THE BANK COMPARISON ── */
.compare-section{background:var(--s1);border-top:1px solid var(--bd);border-bottom:1px solid var(--bd);}
.compare-wrap{max-width:1100px;margin:0 auto;display:grid;grid-template-columns:1fr auto 1fr;gap:0;align-items:stretch;}
.compare-side{padding:3rem 3.5rem;}
.compare-side.bank{border-right:1px solid var(--bd);}
.compare-label{font-size:10px;font-weight:600;letter-spacing:.18em;text-transform:uppercase;margin-bottom:1.5rem;}
.compare-label.bank{color:var(--red);}
.compare-label.tl{color:var(--gold);}
.compare-name{font-family:var(--font-display);font-size:28px;font-weight:400;margin-bottom:2rem;}
.compare-rows{display:flex;flex-direction:column;gap:1rem;}
.compare-row{display:flex;justify-content:space-between;align-items:center;padding:.75rem 0;border-bottom:1px solid var(--bd);}
.compare-row:last-child{border-bottom:none;}
.cr-label{font-size:13px;color:var(--muted);}
.cr-val{font-family:var(--font-display);font-size:20px;font-weight:600;}
.cr-val.bad{color:var(--red);}
.cr-val.good{color:var(--gold);}
.cr-val.great{color:var(--green);}
.compare-vs{display:flex;align-items:center;justify-content:center;padding:0 2rem;font-family:var(--font-display);font-size:20px;color:var(--muted);}

/* ── HOW IT WORKS ── */
.how-wrap{max-width:1100px;margin:0 auto;}
.how-tabs{display:flex;gap:2px;background:var(--bd);border-radius:8px;overflow:hidden;margin-bottom:3rem;width:fit-content;}
.how-tab{padding:.65rem 1.5rem;font-size:13px;font-weight:500;cursor:pointer;background:var(--s1);color:var(--muted);border:none;font-family:var(--font-body);transition:all .15s;}
.how-tab.active{background:var(--s2);color:var(--white);}
.how-panel{display:none;}
.how-panel.active{display:grid;grid-template-columns:repeat(3,1fr);gap:1.5rem;}
.how-step{padding:2rem;background:var(--s1);border:1px solid var(--bd);border-radius:12px;position:relative;overflow:hidden;}
.how-step::before{content:'';position:absolute;top:0;left:0;right:0;height:2px;background:var(--gold);}
.how-num{font-family:var(--font-display);font-size:72px;font-weight:300;color:var(--bd);line-height:1;position:absolute;right:1.25rem;bottom:.5rem;}
.how-icon{font-size:28px;margin-bottom:1rem;}
.how-title{font-family:var(--font-display);font-size:22px;font-weight:600;margin-bottom:.65rem;}
.how-body{font-size:13px;color:var(--muted);line-height:1.7;}

/* ── AUDIENCE SECTIONS ── */
.audience-section{max-width:1100px;margin:0 auto;}
.aud-grid{display:grid;grid-template-columns:1fr 1fr;gap:4rem;align-items:center;}
.aud-grid.reverse{direction:rtl;}
.aud-grid.reverse > *{direction:ltr;}
.aud-visual{background:var(--s1);border:1px solid var(--bd);border-radius:16px;overflow:hidden;}
.aud-visual-inner{padding:1.5rem;}
.aud-features{display:flex;flex-direction:column;gap:1.25rem;margin-top:2rem;}
.aud-feat{display:flex;gap:1rem;align-items:flex-start;}
.af-icon{width:36px;height:36px;border-radius:9px;display:flex;align-items:center;justify-content:center;font-size:16px;flex-shrink:0;background:var(--goldfade);border:1px solid var(--goldbdr);}
.af-icon.blue{background:rgba(74,132,201,0.08);border-color:rgba(74,132,201,0.2);}
.af-icon.green{background:rgba(90,158,110,0.08);border-color:rgba(90,158,110,0.2);}
.af-title{font-size:14px;font-weight:600;margin-bottom:.2rem;}
.af-body{font-size:12.5px;color:var(--muted);line-height:1.6;}

/* MINI DASHBOARD PREVIEWS */
.mini-db{background:var(--s1);border:1px solid var(--bd);border-radius:12px;overflow:hidden;}
.mdb-head{padding:.75rem 1rem;border-bottom:1px solid var(--bd);display:flex;align-items:center;gap:.5rem;}
.mdb-dot{width:8px;height:8px;border-radius:50%;}
.mdb-title{font-size:11.5px;font-weight:600;color:var(--silver);}
.mdb-body{padding:1rem;}
.mdb-kpi-row{display:grid;grid-template-columns:1fr 1fr 1fr;gap:.5rem;margin-bottom:.75rem;}
.mdb-kpi{background:var(--s2);border-radius:8px;padding:.65rem .75rem;}
.mdb-kpi-label{font-size:9px;color:var(--muted);text-transform:uppercase;letter-spacing:.06em;margin-bottom:.2rem;}
.mdb-kpi-val{font-family:var(--font-display);font-size:18px;font-weight:600;}
.mdb-row{display:flex;justify-content:space-between;align-items:center;padding:.5rem 0;border-bottom:1px solid var(--bd);font-size:12px;}
.mdb-row:last-child{border-bottom:none;}
.mdb-label{color:var(--muted);}
.mdb-val{font-family:var(--font-display);font-size:14px;font-weight:600;}
.mdb-bar-wrap{height:4px;background:var(--bd);border-radius:2px;overflow:hidden;margin-top:.5rem;}
.mdb-bar{height:100%;border-radius:2px;}

/* ── TRUST SIGNALS ── */
.trust-section{background:var(--s1);border-top:1px solid var(--bd);border-bottom:1px solid var(--bd);}
.trust-wrap{max-width:1100px;margin:0 auto;display:grid;grid-template-columns:repeat(4,1fr);gap:0;}
.trust-item{padding:3rem 2.5rem;border-right:1px solid var(--bd);text-align:center;}
.trust-item:last-child{border-right:none;}
.trust-num{font-family:var(--font-display);font-size:56px;font-weight:300;color:var(--gold);line-height:1;margin-bottom:.35rem;}
.trust-label{font-size:13px;color:var(--muted);line-height:1.5;}

/* ── TESTIMONIALS ── */
.test-wrap{max-width:1100px;margin:0 auto;}
.test-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.5rem;}
.test-card{background:var(--s1);border:1px solid var(--bd);border-radius:12px;padding:2rem;}
.test-quote{font-family:var(--font-display);font-size:20px;font-weight:400;font-style:italic;line-height:1.55;color:var(--white);margin-bottom:1.5rem;}
.test-person{display:flex;align-items:center;gap:.75rem;}
.test-avatar{width:36px;height:36px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:13px;font-weight:700;flex-shrink:0;}
.test-name{font-size:13px;font-weight:600;}
.test-role{font-size:11.5px;color:var(--muted);margin-top:1px;}
.test-tag{margin-left:auto;}

/* ── FINAL CTA ── */
.cta-section{text-align:center;padding:8rem 4rem;}
.cta-wrap{max-width:700px;margin:0 auto;}
.cta-headline{font-family:var(--font-display);font-size:clamp(40px,5vw,72px);font-weight:300;line-height:1.1;margin-bottom:1.5rem;}
.cta-sub{font-size:16px;color:var(--silver);line-height:1.7;margin-bottom:3rem;font-weight:300;}
.cta-btns{display:flex;gap:1rem;justify-content:center;flex-wrap:wrap;margin-bottom:2.5rem;}
.cta-fine{font-size:12px;color:var(--muted);}

/* ── FOOTER ── */
footer{background:var(--s1);border-top:1px solid var(--bd);padding:3rem 4rem;}
.footer-wrap{max-width:1100px;margin:0 auto;display:flex;justify-content:space-between;align-items:flex-end;}
.footer-logo{font-family:var(--font-display);font-size:20px;font-weight:600;}
.footer-logo em{color:var(--gold);font-style:normal;}
.footer-tagline{font-size:12px;color:var(--muted);margin-top:.25rem;}
.footer-links{display:flex;gap:2rem;}
.footer-link{font-size:12.5px;color:var(--muted);cursor:pointer;transition:color .15s;}
.footer-link:hover{color:var(--gold2);}
.footer-legal{font-size:11px;color:var(--dim);margin-top:2rem;text-align:center;max-width:1100px;margin:2rem auto 0;line-height:1.65;}

/* ── ANIMATIONS ── */
@keyframes fadeup{from{opacity:0;transform:translateY(20px);}to{opacity:1;transform:translateY(0);}}
@keyframes ticker{0%{transform:translateX(0);}100%{transform:translateX(-50%);}}
.reveal{opacity:0;transform:translateY(24px);transition:opacity .7s,transform .7s;}
.reveal.visible{opacity:1;transform:translateY(0);}

/* ── MOBILE ── */
@media(max-width:900px){
  nav{padding:1rem 1.5rem;}
  .nav-links{display:none;}
  .hero{padding:7rem 1.5rem 3rem;}
  section{padding:4rem 1.5rem;}
  .compare-wrap{grid-template-columns:1fr;}
  .compare-vs{display:none;}
  .compare-side.bank{border-right:none;border-bottom:1px solid var(--bd);}
  .aud-grid,.how-panel.active,.test-grid{grid-template-columns:1fr;}
  .aud-grid.reverse{direction:ltr;}
  .trust-wrap{grid-template-columns:1fr 1fr;}
  .trust-item{border-right:none;border-bottom:1px solid var(--bd);padding:2rem 1.5rem;}
  footer{padding:2rem 1.5rem;}
  .footer-wrap{flex-direction:column;gap:1.5rem;}
  .footer-links{flex-wrap:wrap;gap:1rem;}
  .mdb-kpi-row{grid-template-columns:1fr 1fr;}
}