*,
*::before,
*::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

:root {
  --dark: #04100f;
  --dark-2: #081a19;
  --dark-3: #0d2724;
  --primary: #134e4a;
  --primary-m: #1a6b65;
  --primary-l: #0d9488;
  --gold: #f59e0b;
  --gold-l: #fbbf24;
  --white: #ffffff;
  --gray-50: #f8faf9;
  --gray-100: #f0f4f3;
  --gray-200: #dde6e5;
  --gray-400: #8fa9a7;
  --gray-600: #4a6563;
  --text: #0d1a19;
  --text-muted: #5c7270;
  --radius-sm: 8px;
  --radius-md: 14px;
  --radius-lg: 22px;
  --radius-xl: 32px;
  --shadow-md: 0 4px 20px rgba(0, 0, 0, 0.1);
  --shadow-lg: 0 8px 40px rgba(0, 0, 0, 0.14);
  --shadow-xl: 0 20px 80px rgba(0, 0, 0, 0.18);
}

html {
  scroll-behavior: smooth;
}

body {
  font-family: "Inter", system-ui, sans-serif;
  color: var(--text);
  background: var(--white);
  line-height: 1.6;
  overflow-x: hidden;
}

img {
  display: block;
  max-width: 100%;
}
a {
  text-decoration: none;
  color: inherit;
}

/* ── UTILITIES ── */
.container {
  max-width: 1180px;
  margin: 0 auto;
  padding: 0 24px;
}
.sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
}

.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 28px;
  border-radius: var(--radius-md);
  font-weight: 600;
  font-size: 15px;
  cursor: pointer;
  border: none;
  transition: all 0.22s ease;
  white-space: nowrap;
}
.btn-gold {
  background: var(--gold);
  color: #1a0e00;
}
.btn-gold:hover {
  background: var(--gold-l);
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(245, 158, 11, 0.35);
}
.btn-outline-white {
  background: transparent;
  color: var(--white);
  border: 1.5px solid rgba(255, 255, 255, 0.35);
}
.btn-outline-white:hover {
  background: rgba(255, 255, 255, 0.08);
  border-color: rgba(255, 255, 255, 0.7);
  transform: translateY(-2px);
}
.btn-outline-dark {
  background: transparent;
  color: var(--primary);
  border: 1.5px solid var(--primary);
}
.btn-outline-dark:hover {
  background: var(--primary);
  color: white;
  transform: translateY(-2px);
}
.btn-primary {
  background: var(--primary);
  color: white;
}
.btn-primary:hover {
  background: var(--primary-m);
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(19, 78, 74, 0.35);
}

/* ── SCROLL ANIMATIONS ── */
.reveal {
  opacity: 0;
  transform: translateY(32px);
  transition:
    opacity 0.7s ease,
    transform 0.7s ease;
}
.reveal.visible {
  opacity: 1;
  transform: none;
}
.reveal-left {
  opacity: 0;
  transform: translateX(-40px);
  transition:
    opacity 0.7s ease,
    transform 0.7s ease;
}
.reveal-left.visible {
  opacity: 1;
  transform: none;
}
.reveal-right {
  opacity: 0;
  transform: translateX(40px);
  transition:
    opacity 0.7s ease,
    transform 0.7s ease;
}
.reveal-right.visible {
  opacity: 1;
  transform: none;
}

/* ════════════════════════════════════════
   NAV
════════════════════════════════════════ */
.nav {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 100;
  padding: 20px 0;
  transition: all 0.3s ease;
}
.nav.scrolled {
  background: rgba(4, 16, 15, 0.92);
  backdrop-filter: blur(20px);
  padding: 14px 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.06);
}
.nav__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}
.nav__logo {
  display: flex;
  align-items: center;
  gap: 12px;
  font-family: "Sora", sans-serif;
  font-weight: 800;
  font-size: 20px;
  color: white;
}
.nav__logo img {
  height: 42px;
  width: auto;
  display: block;
  object-fit: contain;
  flex-shrink: 0;
}
.nav__logo-icon {
  width: 40px;
  height: 40px;
  background: var(--gold);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 18px;
  font-weight: 900;
  color: #1a0e00;
  flex-shrink: 0;
}
.nav__links {
  display: flex;
  align-items: center;
  gap: 8px;
  list-style: none;
}
.nav__links a {
  color: rgba(255, 255, 255, 0.75);
  font-size: 14px;
  font-weight: 500;
  padding: 8px 14px;
  border-radius: 8px;
  transition: all 0.2s ease;
}
.nav__links a:hover {
  color: white;
  background: rgba(255, 255, 255, 0.08);
}
.nav__ctas {
  display: flex;
  align-items: center;
  gap: 10px;
}
.nav__ctas .btn {
  padding: 10px 20px;
  font-size: 14px;
}

.nav__burger {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  padding: 8px;
  border: none;
  background: transparent;
  border-radius: 8px;
  transition: background 0.2s;
}
.nav__burger:hover {
  background: rgba(255, 255, 255, 0.1);
}
.nav__burger span {
  display: block;
  width: 22px;
  height: 2px;
  background: white;
  border-radius: 2px;
  transition: all 0.3s ease;
}
.nav__burger.open span:nth-child(1) {
  transform: translateY(7px) rotate(45deg);
}
.nav__burger.open span:nth-child(2) {
  opacity: 0;
}
.nav__burger.open span:nth-child(3) {
  transform: translateY(-7px) rotate(-45deg);
}

.nav__mobile {
  display: none;
  position: fixed;
  inset: 0;
  z-index: 99;
  background: rgba(4, 16, 15, 0.97);
  backdrop-filter: blur(20px);
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 32px;
  opacity: 0;
  pointer-events: none;
  transition: opacity 0.3s ease;
}
.nav__mobile.open {
  opacity: 1;
  pointer-events: auto;
  display: flex;
}
.nav__mobile a {
  color: white;
  font-size: 24px;
  font-weight: 600;
  opacity: 0.8;
  transition: opacity 0.2s;
}
.nav__mobile a:hover {
  opacity: 1;
}
.nav__mobile .btn {
  font-size: 16px;
  padding: 14px 32px;
}

/* ════════════════════════════════════════
   HERO
════════════════════════════════════════ */
.hero {
  min-height: 100vh;
  background: var(--dark);
  position: relative;
  overflow: hidden;
  display: flex;
  align-items: center;
  padding: 120px 0 80px;
}

.hero__bg {
  position: absolute;
  inset: 0;
  z-index: 0;
  background:
    radial-gradient(
      ellipse 80% 60% at 60% 50%,
      rgba(13, 148, 136, 0.12) 0%,
      transparent 60%
    ),
    radial-gradient(
      ellipse 50% 40% at 10% 80%,
      rgba(19, 78, 74, 0.18) 0%,
      transparent 55%
    ),
    radial-gradient(
      ellipse 60% 50% at 90% 10%,
      rgba(245, 158, 11, 0.06) 0%,
      transparent 50%
    );
}

.hero__grid-lines {
  position: absolute;
  inset: 0;
  z-index: 0;
  opacity: 0.04;
  background-image:
    linear-gradient(rgba(255, 255, 255, 0.5) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255, 255, 255, 0.5) 1px, transparent 1px);
  background-size: 60px 60px;
}

.hero__inner {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
}

.hero__badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(13, 148, 136, 0.15);
  border: 1px solid rgba(13, 148, 136, 0.3);
  color: #5eead4;
  padding: 6px 14px;
  border-radius: 50px;
  font-size: 13px;
  font-weight: 600;
  margin-bottom: 28px;
}
.hero__badge-dot {
  width: 7px;
  height: 7px;
  background: #2dd4bf;
  border-radius: 50%;
  animation: pulse 2s infinite;
}
@keyframes pulse {
  0%,
  100% {
    opacity: 1;
    transform: scale(1);
  }
  50% {
    opacity: 0.5;
    transform: scale(1.4);
  }
}

.hero__title {
  font-family: "Sora", sans-serif;
  font-size: clamp(38px, 5vw, 62px);
  font-weight: 800;
  line-height: 1.1;
  color: white;
  margin-bottom: 24px;
}
.hero__title-accent {
  color: var(--gold);
}

.hero__sub {
  font-size: 18px;
  line-height: 1.7;
  color: rgba(255, 255, 255, 0.6);
  max-width: 480px;
  margin-bottom: 40px;
}

.hero__actions {
  display: flex;
  align-items: center;
  gap: 14px;
  flex-wrap: wrap;
  margin-bottom: 48px;
}

.hero__trust {
  display: flex;
  align-items: center;
  gap: 20px;
  flex-wrap: wrap;
}
.hero__trust-item {
  display: flex;
  align-items: center;
  gap: 8px;
  color: rgba(255, 255, 255, 0.45);
  font-size: 13px;
}
.hero__trust-item svg {
  color: var(--gold);
  flex-shrink: 0;
}

/* Card visual */
.hero__visual {
  display: flex;
  justify-content: center;
  align-items: center;
  position: relative;
  height: 480px;
}

.card-3d {
  position: relative;
  animation: float 6s ease-in-out infinite;
}
@keyframes float {
  0%,
  100% {
    transform: translateY(0) rotate(-3deg);
  }
  50% {
    transform: translateY(-20px) rotate(-3deg);
  }
}

.bank-card {
  width: 360px;
  height: 220px;
  background: linear-gradient(135deg, #134e4a 0%, #0d9488 60%, #065f46 100%);
  border-radius: 20px;
  padding: 28px 32px;
  position: relative;
  overflow: hidden;
  box-shadow:
    0 32px 80px rgba(0, 0, 0, 0.5),
    0 0 0 1px rgba(255, 255, 255, 0.08);
  color: white;
}
.bank-card__shine {
  position: absolute;
  top: -80px;
  left: -80px;
  width: 260px;
  height: 260px;
  background: radial-gradient(
    circle,
    rgba(255, 255, 255, 0.1) 0%,
    transparent 70%
  );
  border-radius: 50%;
}
.bank-card__circles {
  position: absolute;
  right: -30px;
  bottom: -30px;
  width: 180px;
  height: 180px;
  border-radius: 50%;
  border: 40px solid rgba(255, 255, 255, 0.05);
}
.bank-card__top {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  margin-bottom: 32px;
}
.bank-card__logo {
  height: 28px;
  width: auto;
  display: block;
  filter: brightness(0) invert(1);
}
.bank-card__chip {
  width: 44px;
  height: 34px;
  background: linear-gradient(135deg, #fbbf24, #f59e0b);
  border-radius: 6px;
  opacity: 0.9;
}
.bank-card__number {
  font-size: 17px;
  letter-spacing: 3px;
  font-weight: 500;
  opacity: 0.85;
  margin-bottom: 20px;
}
.bank-card__bottom {
  display: flex;
  justify-content: space-between;
  align-items: flex-end;
}
.bank-card__holder {
  font-size: 13px;
  opacity: 0.6;
  text-transform: uppercase;
  letter-spacing: 1px;
}
.bank-card__name {
  font-size: 15px;
  font-weight: 600;
  margin-top: 2px;
}
.bank-card__exp {
  text-align: right;
}
.bank-card__exp-label {
  font-size: 11px;
  opacity: 0.5;
  text-transform: uppercase;
  letter-spacing: 0.5px;
}
.bank-card__exp-val {
  font-size: 15px;
  font-weight: 600;
  margin-top: 2px;
}

.hero__float-1,
.hero__float-2,
.hero__float-3 {
  position: absolute;
  background: rgba(4, 16, 15, 0.9);
  backdrop-filter: blur(20px);
  border: 1px solid rgba(255, 255, 255, 0.08);
  border-radius: var(--radius-md);
  padding: 14px 18px;
  color: white;
  box-shadow: var(--shadow-xl);
}
.hero__float-1 {
  right: 0;
  top: 40px;
  animation: floatEl1 5s ease-in-out infinite;
}
@keyframes floatEl1 {
  0%,
  100% {
    transform: translateY(0);
  }
  50% {
    transform: translateY(-10px);
  }
}
.hero__float-2 {
  left: -20px;
  bottom: 80px;
  animation: floatEl2 4s ease-in-out infinite 0.8s;
}
@keyframes floatEl2 {
  0%,
  100% {
    transform: translateY(0);
  }
  50% {
    transform: translateY(12px);
  }
}
.hero__float-3 {
  right: 20px;
  bottom: 40px;
  animation: floatEl3 5.5s ease-in-out infinite 0.4s;
}
@keyframes floatEl3 {
  0%,
  100% {
    transform: translateY(0);
  }
  50% {
    transform: translateY(-8px);
  }
}
.float-label {
  font-size: 11px;
  opacity: 0.5;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  margin-bottom: 4px;
}
.float-value {
  font-size: 18px;
  font-weight: 700;
}
.float-change {
  font-size: 12px;
  color: #4ade80;
  font-weight: 600;
  margin-top: 2px;
}
.float-icon {
  font-size: 24px;
  margin-bottom: 6px;
}
.float-text {
  font-size: 13px;
  color: rgba(255, 255, 255, 0.6);
}
.float-strong {
  font-size: 14px;
  font-weight: 700;
  color: #4ade80;
}

.hero__scroll {
  position: absolute;
  bottom: 32px;
  left: 50%;
  transform: translateX(-50%);
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 8px;
  color: rgba(255, 255, 255, 0.3);
  font-size: 12px;
  animation: bounce 2s ease-in-out infinite;
}
@keyframes bounce {
  0%,
  100% {
    transform: translateX(-50%) translateY(0);
  }
  50% {
    transform: translateX(-50%) translateY(8px);
  }
}

/* ════════════════════════════════════════
   STATS
════════════════════════════════════════ */
.stats {
  background: white;
  border-bottom: 1px solid var(--gray-200);
  padding: 0;
}
.stats__inner {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
}
.stats__item {
  padding: 40px 32px;
  border-right: 1px solid var(--gray-200);
  text-align: center;
  transition: background 0.2s;
}
.stats__item:last-child {
  border-right: none;
}
.stats__item:hover {
  background: var(--gray-50);
}
.stats__num {
  font-family: "Sora", sans-serif;
  font-size: 36px;
  font-weight: 800;
  color: var(--primary);
  line-height: 1;
  margin-bottom: 8px;
}
.stats__num span {
  color: var(--gold);
}
.stats__label {
  font-size: 14px;
  color: var(--text-muted);
  font-weight: 500;
}

/* ════════════════════════════════════════
   FEATURES
════════════════════════════════════════ */
.features {
  padding: 100px 0;
  background: var(--gray-50);
}
.section-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(19, 78, 74, 0.08);
  color: var(--primary);
  padding: 6px 14px;
  border-radius: 50px;
  font-size: 13px;
  font-weight: 600;
  margin-bottom: 16px;
}
.section-title {
  font-family: "Sora", sans-serif;
  font-size: clamp(28px, 4vw, 44px);
  font-weight: 800;
  color: var(--text);
  line-height: 1.2;
  margin-bottom: 16px;
}
.section-sub {
  font-size: 17px;
  color: var(--text-muted);
  max-width: 560px;
}
.section-header {
  margin-bottom: 60px;
}
.section-header--center {
  text-align: center;
}
.section-header--center .section-sub {
  margin: 0 auto;
}

.features__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.feature-card {
  background: white;
  border-radius: var(--radius-lg);
  padding: 36px 32px;
  border: 1px solid var(--gray-200);
  transition: all 0.3s ease;
  position: relative;
  overflow: hidden;
}
.feature-card::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(
    135deg,
    rgba(19, 78, 74, 0.03),
    rgba(13, 148, 136, 0.03)
  );
  opacity: 0;
  transition: opacity 0.3s;
}
.feature-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-lg);
  border-color: rgba(19, 78, 74, 0.2);
}
.feature-card:hover::after {
  opacity: 1;
}
.feature-card__icon {
  width: 52px;
  height: 52px;
  background: linear-gradient(
    135deg,
    rgba(19, 78, 74, 0.1),
    rgba(13, 148, 136, 0.08)
  );
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
  color: var(--primary);
}
.feature-card__title {
  font-size: 17px;
  font-weight: 700;
  color: var(--text);
  margin-bottom: 10px;
}
.feature-card__text {
  font-size: 14px;
  color: var(--text-muted);
  line-height: 1.65;
}

/* ════════════════════════════════════════
   SECURITY
════════════════════════════════════════ */
.security {
  padding: 100px 0;
  background: var(--dark-2);
  position: relative;
  overflow: hidden;
}
.security::before {
  content: "";
  position: absolute;
  top: -200px;
  right: -200px;
  width: 600px;
  height: 600px;
  background: radial-gradient(
    circle,
    rgba(13, 148, 136, 0.12) 0%,
    transparent 70%
  );
  border-radius: 50%;
}
.security__inner {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
}
.security__eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(13, 148, 136, 0.15);
  border: 1px solid rgba(13, 148, 136, 0.25);
  color: #5eead4;
  padding: 6px 14px;
  border-radius: 50px;
  font-size: 13px;
  font-weight: 600;
  margin-bottom: 20px;
}
.security__title {
  font-family: "Sora", sans-serif;
  font-size: clamp(28px, 3.5vw, 42px);
  font-weight: 800;
  color: white;
  line-height: 1.2;
  margin-bottom: 20px;
}
.security__text {
  font-size: 16px;
  color: rgba(255, 255, 255, 0.55);
  line-height: 1.75;
  margin-bottom: 40px;
}
.security__badges {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
}
.sec-badge {
  display: flex;
  align-items: center;
  gap: 12px;
  background: rgba(255, 255, 255, 0.04);
  border: 1px solid rgba(255, 255, 255, 0.07);
  border-radius: var(--radius-md);
  padding: 14px 18px;
  transition: all 0.25s;
}
.sec-badge:hover {
  background: rgba(255, 255, 255, 0.07);
  border-color: rgba(13, 148, 136, 0.3);
  transform: translateY(-2px);
}
.sec-badge__icon {
  width: 36px;
  height: 36px;
  background: linear-gradient(
    135deg,
    rgba(13, 148, 136, 0.25),
    rgba(19, 78, 74, 0.2)
  );
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: #2dd4bf;
  flex-shrink: 0;
}
.sec-badge__text {
  font-size: 13px;
  font-weight: 600;
  color: rgba(255, 255, 255, 0.8);
}

.security__visual {
  display: flex;
  justify-content: center;
  align-items: center;
}
.security__shield {
  position: relative;
}
.shield-ring {
  width: 320px;
  height: 320px;
  border-radius: 50%;
  border: 1px solid rgba(13, 148, 136, 0.15);
  display: flex;
  align-items: center;
  justify-content: center;
  position: relative;
  animation: rotateRing 20s linear infinite;
}
@keyframes rotateRing {
  from {
    transform: rotate(0deg);
  }
  to {
    transform: rotate(360deg);
  }
}
.shield-ring::before {
  content: "";
  position: absolute;
  inset: 20px;
  border-radius: 50%;
  border: 1px solid rgba(13, 148, 136, 0.1);
}
.shield-dot {
  position: absolute;
  width: 10px;
  height: 10px;
  background: var(--primary-l);
  border-radius: 50%;
  box-shadow: 0 0 12px rgba(13, 148, 136, 0.8);
}
.shield-dot:nth-child(1) {
  top: -5px;
  left: 50%;
  transform: translateX(-50%);
}
.shield-dot:nth-child(2) {
  bottom: -5px;
  right: 20%;
}
.shield-dot:nth-child(3) {
  left: -5px;
  top: 50%;
  transform: translateY(-50%);
}
.shield-inner {
  animation: rotateRing 20s linear infinite reverse;
  display: flex;
  align-items: center;
  justify-content: center;
}
.shield-core {
  width: 160px;
  height: 160px;
  background: linear-gradient(
    135deg,
    rgba(19, 78, 74, 0.4),
    rgba(13, 148, 136, 0.3)
  );
  border-radius: 50%;
  border: 1px solid rgba(13, 148, 136, 0.3);
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow:
    0 0 60px rgba(13, 148, 136, 0.15),
    inset 0 0 40px rgba(13, 148, 136, 0.1);
}
.shield-icon {
  color: #2dd4bf;
}

/* ════════════════════════════════════════
   HOW IT WORKS
════════════════════════════════════════ */
.steps {
  padding: 100px 0;
  background: white;
}
.steps__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 40px;
  position: relative;
  margin-top: 60px;
}
.steps__grid::before {
  content: "";
  position: absolute;
  top: 40px;
  left: calc(16.6% + 20px);
  right: calc(16.6% + 20px);
  height: 1px;
  background: linear-gradient(
    90deg,
    var(--primary-l),
    var(--primary),
    var(--primary-l)
  );
}
.step-card {
  text-align: center;
  padding: 0 20px;
}
.step-card__num {
  width: 80px;
  height: 80px;
  border-radius: 50%;
  background: var(--primary);
  color: white;
  font-family: "Sora", sans-serif;
  font-size: 28px;
  font-weight: 800;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 28px;
  position: relative;
  z-index: 1;
  box-shadow: 0 8px 24px rgba(19, 78, 74, 0.35);
  transition: transform 0.3s;
}
.step-card:hover .step-card__num {
  transform: scale(1.1);
}
.step-card__title {
  font-size: 18px;
  font-weight: 700;
  color: var(--text);
  margin-bottom: 12px;
}
.step-card__text {
  font-size: 14px;
  color: var(--text-muted);
  line-height: 1.65;
}

/* ════════════════════════════════════════
   TESTIMONIALS
════════════════════════════════════════ */
.testimonials {
  padding: 100px 0;
  background: var(--gray-50);
}
.testimonials__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.testimonial-card {
  background: white;
  border-radius: var(--radius-lg);
  padding: 32px;
  border: 1px solid var(--gray-200);
  transition: all 0.3s;
}
.testimonial-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
}
.testimonial-card__stars {
  display: flex;
  gap: 4px;
  margin-bottom: 20px;
  color: var(--gold);
}
.testimonial-card__text {
  font-size: 15px;
  color: var(--text);
  line-height: 1.7;
  font-style: italic;
  margin-bottom: 24px;
}
.testimonial-card__author {
  display: flex;
  align-items: center;
  gap: 12px;
}
.testimonial-card__avatar {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--primary), var(--primary-l));
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  color: white;
  font-size: 15px;
  flex-shrink: 0;
}
.testimonial-card__name {
  font-weight: 700;
  font-size: 14px;
  color: var(--text);
}
.testimonial-card__role {
  font-size: 13px;
  color: var(--text-muted);
}

/* ════════════════════════════════════════
   CTA BANNER
════════════════════════════════════════ */
.cta-banner {
  padding: 100px 0;
  background: linear-gradient(
    135deg,
    var(--dark) 0%,
    var(--primary) 60%,
    var(--primary-m) 100%
  );
  position: relative;
  overflow: hidden;
}
.cta-banner::before {
  content: "";
  position: absolute;
  top: -200px;
  right: -100px;
  width: 500px;
  height: 500px;
  background: radial-gradient(
    circle,
    rgba(245, 158, 11, 0.1) 0%,
    transparent 70%
  );
  border-radius: 50%;
}
.cta-banner::after {
  content: "";
  position: absolute;
  bottom: -200px;
  left: -100px;
  width: 400px;
  height: 400px;
  background: radial-gradient(
    circle,
    rgba(13, 148, 136, 0.15) 0%,
    transparent 70%
  );
  border-radius: 50%;
}
.cta-banner__inner {
  position: relative;
  z-index: 1;
  text-align: center;
}
.cta-banner__title {
  font-family: "Sora", sans-serif;
  font-size: clamp(28px, 4vw, 48px);
  font-weight: 800;
  color: white;
  line-height: 1.2;
  margin-bottom: 16px;
}
.cta-banner__sub {
  font-size: 18px;
  color: rgba(255, 255, 255, 0.65);
  max-width: 520px;
  margin: 0 auto 40px;
}
.cta-banner__actions {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 14px;
  flex-wrap: wrap;
}
.cta-banner .btn-gold {
  padding: 16px 36px;
  font-size: 16px;
}

/* ════════════════════════════════════════
   FOOTER
════════════════════════════════════════ */
.footer {
  background: var(--dark);
  border-top: 1px solid rgba(255, 255, 255, 0.06);
  padding: 64px 0 0;
}
.footer__grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 48px;
  margin-bottom: 48px;
}
.footer__brand .nav__logo {
  margin-bottom: 16px;
}
.footer__brand p {
  font-size: 14px;
  color: rgba(255, 255, 255, 0.4);
  line-height: 1.7;
  max-width: 260px;
}
.footer__col-title {
  font-size: 13px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 1px;
  color: rgba(255, 255, 255, 0.35);
  margin-bottom: 20px;
}
.footer__col-links {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 12px;
}
.footer__col-links a {
  font-size: 14px;
  color: rgba(255, 255, 255, 0.5);
  transition: color 0.2s;
}
.footer__col-links a:hover {
  color: rgba(255, 255, 255, 0.9);
}
.footer__bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.06);
  padding: 24px 0;
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 16px;
}
.footer__copy {
  font-size: 13px;
  color: rgba(255, 255, 255, 0.25);
}
.footer__legal {
  display: flex;
  gap: 24px;
}
.footer__legal a {
  font-size: 13px;
  color: rgba(255, 255, 255, 0.25);
  transition: color 0.2s;
}
.footer__legal a:hover {
  color: rgba(255, 255, 255, 0.6);
}

/* ════════════════════════════════════════
   RESPONSIVE
════════════════════════════════════════ */
@media (max-width: 1024px) {
  .hero__inner {
    grid-template-columns: 1fr;
    gap: 48px;
  }
  .hero__visual {
    height: 320px;
  }
  .bank-card {
    width: 300px;
    height: 185px;
  }
  .security__inner {
    grid-template-columns: 1fr;
    gap: 48px;
  }
  .security__visual {
    display: none;
  }
  .footer__grid {
    grid-template-columns: 1fr 1fr;
    gap: 36px;
  }
}

@media (max-width: 768px) {
  .nav__links,
  .nav__ctas {
    display: none;
  }
  .nav__burger {
    display: flex;
  }
  .stats__inner {
    grid-template-columns: repeat(2, 1fr);
  }
  .stats__item {
    border-right: none;
    border-bottom: 1px solid var(--gray-200);
  }
  .stats__item:nth-child(odd) {
    border-right: 1px solid var(--gray-200);
  }
  .features__grid {
    grid-template-columns: 1fr;
  }
  .steps__grid {
    grid-template-columns: 1fr;
    gap: 24px;
  }
  .steps__grid::before {
    display: none;
  }
  .testimonials__grid {
    grid-template-columns: 1fr;
  }
  .footer__grid {
    grid-template-columns: 1fr;
  }
  .footer__bottom {
    flex-direction: column;
    text-align: center;
  }
  .hero__float-1,
  .hero__float-2,
  .hero__float-3 {
    display: none;
  }
}

@media (max-width: 480px) {
  .stats__inner {
    grid-template-columns: 1fr;
  }
  .stats__item {
    border-right: none;
  }
  .stats__item:nth-child(odd) {
    border-right: none;
  }
  .security__badges {
    grid-template-columns: 1fr;
  }
}