/* ===========================================================================
   Public website
   ---------------------------------------------------------------------------
   Light by default and typographically led: a serif display face for headings
   against the same Inter used throughout the app, generous whitespace, and one
   accent blue reserved for actions. Deliberately calmer than the usual crypto
   landing page - the credibility of a financial site comes from restraint, not
   from gradients.
   =========================================================================== */

:root {
    --st-bg:      #ffffff;
    --st-soft:    #f4f3ef;
    --st-panel:   #ffffff;
    --st-border:  #e4e6ea;
    --st-line:    #eceef1;
    --st-ink:     #0f1720;
    --st-body:    #4a5563;
    --st-faint:   #8b95a3;
    --st-accent:  #1b5cf5;
    --st-ok:      #12a06a;
    --st-warn:    #b8791f;
    --st-fail:    #cf3239;
    --st-display: 'Playfair Display', Georgia, serif;
    --st-font:    'Inter', system-ui, -apple-system, sans-serif;
    --st-mono:    'JetBrains Mono', ui-monospace, Menlo, monospace;
}

[data-bs-theme="dark"] {
    --st-bg: #0b0f16; --st-soft: #141a24; --st-panel: #141a24;
    --st-border: #232c3a; --st-line: #1e2530;
    --st-ink: #eef2f8; --st-body: #9aa5b4; --st-faint: #6b7686;
}

* { box-sizing: border-box; }

body.site {
    margin: 0; background: var(--st-bg); color: var(--st-body);
    font-family: var(--st-font); font-size: 16px; line-height: 1.65;
    -webkit-font-smoothing: antialiased;
}

h1, h2, h3 { color: var(--st-ink); font-family: var(--st-display); font-weight: 700; letter-spacing: -0.01em; margin: 0 0 14px; }
h1 { font-size: clamp(34px, 5vw, 56px); line-height: 1.08; }
h2 { font-size: clamp(26px, 3.4vw, 38px); line-height: 1.15; }
h3 { font-size: 20px; font-family: var(--st-font); font-weight: 620; }
p  { margin: 0 0 15px; }
a  { color: var(--st-accent); text-decoration: none; }
a:hover { text-decoration: underline; }
.num { font-family: var(--st-mono); font-variant-numeric: tabular-nums; }

.wrap { max-width: 1120px; margin: 0 auto; padding: 0 22px; }
.lede { font-size: 18px; color: var(--st-body); max-width: 62ch; }
.center { text-align: center; }
.center .lede { margin-left: auto; margin-right: auto; }

/* ------------------------------------------------------------------ header */
.st-head { border-bottom: 1px solid var(--st-line); background: var(--st-bg); position: sticky; top: 0; z-index: 30; }
.st-head__in { display: flex; align-items: center; gap: 12px; height: 70px; }
.st-logo { display: flex; align-items: center; gap: 10px; font-weight: 700; color: var(--st-ink); font-size: 17px; }
.st-logo:hover { text-decoration: none; }
.st-logo__m { width: 30px; height: 30px; border-radius: 8px; display: grid; place-items: center;
    background: var(--st-accent); color: #fff; font-size: 14px; }
.st-nav { display: flex; gap: 4px; flex: 1; }
.st-nav a { padding: 8px 13px; border-radius: 8px; color: var(--st-body); font-size: 15px; }
.st-nav a:hover { background: var(--st-soft); text-decoration: none; color: var(--st-ink); }
.st-nav a.on { color: var(--st-ink); font-weight: 550; }

/* menu wrapper: horizontal on desktop, collapsible column on mobile */
.st-menu { display: flex; align-items: center; gap: 12px; flex: 1; }
.st-nav { flex: 1 1 auto; min-width: 0; }
.st-menu .btn, .st-menu .st-theme { flex: 0 0 auto; }
.st-menu .btn { padding: 9px 18px; font-size: 15px; white-space: nowrap; }
/* Google Translate: clean inline select, no branding overflow */
.gtranslate {
    flex: none;
    display: inline-flex;
    align-items: center;
    height: 34px;
    max-width: 160px;
    overflow: hidden;
    border-radius: 8px;
}
.gtranslate .goog-te-gadget {
    display: flex;
    align-items: center;
    margin: 0 !important;
    padding: 0 !important;
    line-height: 1 !important;
}
.gtranslate .goog-te-gadget > span,
.gtranslate .goog-logo-link,
.goog-te-gadget-icon { display: none !important; }
.st-burger {
    display: none; place-items: center;
    width: 40px; height: 40px; flex: 0 0 auto; margin-left: auto;
    border: 1px solid var(--st-border); border-radius: 10px;
    background: transparent; color: var(--st-ink); cursor: pointer; font-size: 22px;
}
.st-burger:hover { border-color: var(--st-accent); color: var(--st-accent); }

/* ------------------------------------------------------------------ blocks */
.st-hero { padding: 74px 0 20px; text-align: center; }
.section { padding: 70px 0; }
.section--soft { background: var(--st-soft); }
.section__head { text-align: center; margin-bottom: 42px; }

.grid  { display: grid; gap: 20px; }
.grid-2 { grid-template-columns: repeat(auto-fit, minmax(300px,1fr)); }
.grid-3 { grid-template-columns: repeat(auto-fit, minmax(260px,1fr)); }
.grid-4 { grid-template-columns: repeat(auto-fit, minmax(215px,1fr)); }

.card { background: var(--st-panel); border: 1px solid var(--st-border); border-radius: 14px; padding: 26px; }
.card h3 { margin-bottom: 8px; }
.card p:last-child { margin-bottom: 0; }

/* --------------------------------------------------------------- buttons */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 8px;
    padding: 13px 26px; border-radius: 999px; border: 1px solid transparent;
    font-family: inherit; font-size: 16px; font-weight: 600; cursor: pointer; white-space: nowrap; }
.btn:hover { text-decoration: none; }
.btn--primary { background: var(--st-accent); color: #fff; box-shadow: 0 8px 22px rgba(27,92,245,0.24); }
.btn--primary:hover { background: #0f4ae0; }
.btn--ghost { background: transparent; border-color: var(--st-border); color: var(--st-ink); }
.btn--ghost:hover { border-color: var(--st-faint); }
.btn--block { width: 100%; }
.btn--lg { padding: 16px 32px; font-size: 17px; }

/* ------------------------------------------------------------ calculator */
.calc { background: var(--st-soft); border-radius: 20px; padding: 34px;
    display: grid; grid-template-columns: 1fr 1fr; gap: 40px; align-items: start; }

.calc__tabs { display: flex; gap: 8px; flex-wrap: wrap; margin-bottom: 26px; }
.calc__tab { padding: 10px 22px; border-radius: 999px; border: 1px solid var(--st-border);
    background: var(--st-panel); color: var(--st-ink); font-family: inherit; font-size: 15px;
    font-weight: 550; cursor: pointer; }
.calc__tab[aria-selected="true"] { background: var(--st-ink); color: var(--st-bg); border-color: var(--st-ink); }

.calc__label { font-size: 11.5px; letter-spacing: 0.1em; text-transform: uppercase;
    color: var(--st-faint); font-weight: 600; margin: 0 0 10px; }

/* Flex rather than absolute positioning. The earlier version pinned the
   currency label at left:18px and reserved 40px of input padding for it, which
   was sized for a single "$" - a four-letter code such as USDT overlapped the
   figure. As a flex item the label reserves exactly its own width, whatever
   the code turns out to be. */
.calc__amount { display: flex; align-items: center; gap: 10px;
    padding: 0 18px; border-radius: 12px;
    border: 1px solid var(--st-border); background: var(--st-panel); }
.calc__amount:focus-within { border-color: var(--st-accent); box-shadow: 0 0 0 3px rgba(27,92,245,0.15); }
.calc__amount span { flex: none; color: var(--st-faint); font-family: var(--st-mono);
    font-size: 15px; font-weight: 600; letter-spacing: 0.02em; }
.calc__amount input { flex: 1; min-width: 0; width: 100%;
    padding: 18px 0; border: 0; background: transparent; color: var(--st-ink);
    font-family: var(--st-mono); font-size: 22px; font-weight: 600; text-align: right; }
.calc__amount input:focus { outline: none; }

.calc__range { width: 100%; margin: 18px 0 6px; accent-color: var(--st-accent); }
.calc__bounds { display: flex; justify-content: space-between; font-size: 13px; color: var(--st-faint); }

.calc__terms { margin-top: 26px; }
.calc__row { display: flex; justify-content: space-between; align-items: center;
    padding: 13px 0; border-top: 1px solid var(--st-border); font-size: 15px; }
.calc__row strong { color: var(--st-ink); font-weight: 650; }
.calc__row .num { font-weight: 650; color: var(--st-ink); }

.calc__out .calc__row { padding: 15px 0; }
.calc__out .pos { color: var(--st-ok); }
.calc__final { font-size: 30px; font-weight: 700; color: var(--st-accent);
    font-family: var(--st-mono); letter-spacing: -0.02em; }
.calc__note { font-size: 12.5px; color: var(--st-faint); text-align: center; margin: 14px 0 0; }
.calc__err { color: var(--st-fail); font-size: 13.5px; margin: 10px 0 0; }

/* -------------------------------------------------------------- plan card */
.plan { background: var(--st-panel); border: 1px solid var(--st-border); border-radius: 16px; padding: 28px; display: flex; flex-direction: column; }
.plan__badge { display: inline-block; align-self: flex-start; background: var(--st-accent);
    color: #fff; font-size: 11.5px; font-weight: 650; padding: 3px 11px; border-radius: 999px; margin-bottom: 12px; }
.plan__name { font-family: var(--st-font); font-size: 19px; font-weight: 650; color: var(--st-ink); margin: 0 0 4px; }
.plan__rate { font-size: 42px; font-weight: 700; color: var(--st-accent); font-family: var(--st-mono); letter-spacing: -0.03em; line-height: 1; }
.plan__per { font-size: 14px; color: var(--st-faint); margin-bottom: 20px; }
.plan__list { list-style: none; padding: 0; margin: 0 0 24px; font-size: 14.5px; flex: 1; }
.plan__list li { display: flex; justify-content: space-between; padding: 9px 0; border-bottom: 1px solid var(--st-line); }
.plan__list li:last-child { border-bottom: 0; }
.plan__list .num { color: var(--st-ink); font-weight: 550; }

/* ------------------------------------------------------------ testimonial */
.quote { background: var(--st-panel); border: 1px solid var(--st-border); border-radius: 14px; padding: 26px; }
.quote__text { font-size: 16px; color: var(--st-ink); margin: 0 0 20px; }
.quote__who { display: flex; align-items: center; gap: 13px; }
.quote__pic { width: 46px; height: 46px; border-radius: 50%; object-fit: cover; flex: none;
    background: var(--st-soft); display: grid; place-items: center; font-weight: 650; color: var(--st-faint); }
.quote__name { font-weight: 600; color: var(--st-ink); font-size: 14.5px; }
.quote__role { font-size: 13px; color: var(--st-faint); }
.quote__stars { color: var(--st-warn); font-size: 14px; margin-bottom: 12px; }

/* ------------------------------------------------------------------ forms */
.field { margin-bottom: 18px; }
.field label { display: block; font-size: 14px; font-weight: 550; color: var(--st-ink); margin-bottom: 7px; }
.input { width: 100%; padding: 13px 15px; border: 1px solid var(--st-border); border-radius: 10px;
    background: var(--st-panel); color: var(--st-ink); font-family: inherit; font-size: 15.5px; }
.input:focus { outline: none; border-color: var(--st-accent); box-shadow: 0 0 0 3px rgba(27,92,245,0.15); }
textarea.input { min-height: 130px; resize: vertical; }
.hint { font-size: 13px; color: var(--st-faint); margin: 6px 0 0; }

.notice { padding: 15px 18px; border-radius: 11px; border: 1px solid var(--st-border); margin-bottom: 20px; font-size: 15px; }
.notice--ok   { border-color: rgba(18,160,106,0.4); background: rgba(18,160,106,0.08); }
.notice--fail { border-color: rgba(207,50,57,0.4);  background: rgba(207,50,57,0.07); }
.notice--warn { border-color: rgba(184,121,31,0.45); background: rgba(184,121,31,0.09); }

/* --------------------------------------------------------------- document */
.doc { max-width: 760px; margin: 0 auto; }
.doc h2 { font-size: 25px; margin-top: 38px; }
.doc h3 { margin-top: 26px; }
.doc ul, .doc ol { padding-left: 22px; }
.doc li { margin-bottom: 8px; }

.draft { border: 1px solid rgba(184,121,31,0.45); background: rgba(184,121,31,0.09);
    border-radius: 12px; padding: 18px 20px; margin-bottom: 30px; }
.draft strong { color: var(--st-ink); }

/* ------------------------------------------------------------------ chart */
.chart-box { background: var(--st-panel); border: 1px solid var(--st-border); border-radius: 14px; overflow: hidden; min-height: 380px; }

/* ----------------------------------------------------------------- footer */
.st-foot { border-top: 1px solid var(--st-line); padding: 50px 0 34px; background: var(--st-soft); }
.st-foot__cols { display: grid; grid-template-columns: 1.6fr repeat(3, 1fr); gap: 34px; margin-bottom: 34px; }
.st-foot h4 { font-size: 13px; text-transform: uppercase; letter-spacing: 0.07em; color: var(--st-faint); margin: 0 0 14px; font-family: var(--st-font); font-weight: 650; }
.st-foot ul { list-style: none; padding: 0; margin: 0; }
.st-foot li { margin-bottom: 9px; }
.st-foot a { color: var(--st-body); font-size: 14.5px; }
.st-foot__bar { border-top: 1px solid var(--st-border); padding-top: 22px; font-size: 13.5px; color: var(--st-faint); }
.st-risk { background: var(--st-panel); border: 1px solid var(--st-border); border-radius: 11px;
    padding: 16px 18px; font-size: 13.5px; color: var(--st-body); margin-bottom: 26px; }

/* Header collapses to a hamburger + column menu earlier than the rest of the
   layout, so the inline row never gets cramped enough to wrap the buttons.
   Translate widget and theme toggle live OUTSIDE .st-menu so they are always
   visible on mobile even when the menu is collapsed. */
@media (max-width: 992px) {
    .st-head__in { height: auto; padding: 12px 0; flex-wrap: wrap; gap: 8px; align-items: center; }

    /* Burger: always visible, sits on the right of the first row */
    .st-burger { display: grid; order: 5; margin-left: 0; }

    /* Translate + theme: always-visible icons, sit between logo and burger */
    .gtranslate,
    .st-theme { order: 4; flex: 0 0 auto; }

    /* Menu: collapsed until .is-open, full-width second row */
    .st-menu {
        order: 10;
        width: 100%;
        display: none;
        flex-direction: column;
        align-items: stretch;
        gap: 10px;
        padding: 12px 0 6px;
        margin-top: 4px;
        border-top: 1px solid var(--st-line);
    }
    .st-head.is-open .st-menu { display: flex; }

    /* Inside the menu on mobile */
    .st-nav { flex-direction: column; width: 100%; gap: 2px; }
    .st-nav a { padding: 12px 12px; border-radius: 8px; font-size: 16px; }
    .st-menu .btn { width: 100%; text-align: center; }

    /* Logo stays left, order 1 */
    .st-logo { order: 1; flex: 0 0 auto; }
}

@media (max-width: 860px) {
    .calc { grid-template-columns: 1fr; gap: 26px; padding: 24px; }
    .st-foot__cols { grid-template-columns: 1fr 1fr; }
    .st-hero { padding: 48px 0 12px; }
    .section { padding: 48px 0; }
}

/* ------------------------------------------------------ hero + partnership */
.st-hero--split { padding: 60px 0 34px; text-align: left; }
.hero-grid { display: grid; grid-template-columns: 1.04fr 0.96fr; gap: 50px; align-items: center; }
.hero-copy .lede { margin-bottom: 26px; }
.hero-media img { width: 100%; height: auto; display: block; }

.eyebrow {
    display: inline-block; font-family: var(--st-font); font-size: 12.5px; font-weight: 650;
    letter-spacing: .09em; text-transform: uppercase; color: var(--st-accent); margin-bottom: 14px;
}

.hero-cta { display: flex; gap: 12px; flex-wrap: wrap; margin-bottom: 24px; }

.trust-chips { list-style: none; padding: 0; margin: 0; display: flex; gap: 20px; flex-wrap: wrap;
    color: var(--st-faint); font-size: 14px; }
.trust-chips li { display: inline-flex; align-items: center; gap: 7px; }
.trust-chips i { color: var(--st-ok); font-size: 15px; }

.feature-split { display: grid; grid-template-columns: 0.92fr 1.08fr; gap: 52px; align-items: center; }
.feature-split__media img { width: 100%; max-width: 440px; height: auto; display: block; margin: 0 auto; }
.feature-split__body .lede { margin-bottom: 20px; }

.ticks { list-style: none; padding: 0; margin: 0 0 26px; display: grid; gap: 11px; }
.ticks li { display: flex; gap: 11px; align-items: flex-start; color: var(--st-body); }
.ticks li::before { content: "\2713"; color: var(--st-ok); font-weight: 800; flex: none; margin-top: 1px; }

@media (max-width: 860px) {
    .hero-grid, .feature-split { grid-template-columns: 1fr; gap: 30px; }
    .st-hero--split { padding: 40px 0 20px; }
    .hero-media { max-width: 460px; }
    .feature-split__media { order: -1; }
}

/* ------------------------------------------------------------- hero slider */
.hero-slider { position: relative; border-radius: 16px; overflow: hidden; aspect-ratio: 4 / 3;
    box-shadow: 0 22px 55px rgba(15,23,32,.20); background: #0e2a6b; }
.hero-slider .slide { position: absolute; inset: 0; margin: 0; background-size: cover;
    background-position: center; opacity: 0; transition: opacity .8s ease; display: flex; align-items: flex-end; }
.hero-slider .slide.is-active { opacity: 1; }
.hero-slider .slide::after { content: ""; position: absolute; inset: 0;
    background: linear-gradient(to top, rgba(6,14,30,.78), rgba(6,14,30,.05) 58%); }
.hero-slider figcaption { position: relative; z-index: 1; padding: 26px 30px 30px; color: #fff; }
.slide__kicker { display: block; font-family: var(--st-display); font-size: clamp(20px,2.4vw,26px);
    font-weight: 700; line-height: 1.15; }
.slide__sub { display: block; font-size: 14px; opacity: .92; margin-top: 5px; }
.hero-slider__dots { position: absolute; z-index: 2; bottom: 18px; right: 24px; display: flex; gap: 8px; }
.hero-slider__dots button { width: 9px; height: 9px; padding: 0; border: 0; border-radius: 50%;
    background: rgba(255,255,255,.5); cursor: pointer; transition: width .25s, background .25s; }
.hero-slider__dots button.is-active { width: 24px; border-radius: 5px; background: #fff; }
.hero-slider__nav { position: absolute; z-index: 2; top: 50%; transform: translateY(-50%);
    width: 40px; height: 40px; border-radius: 50%; border: 0; background: rgba(255,255,255,.9);
    color: #0f1720; font-size: 22px; line-height: 1; cursor: pointer; display: grid; place-items: center;
    opacity: 0; transition: opacity .2s; }
.hero-slider:hover .hero-slider__nav, .hero-slider:focus-within .hero-slider__nav { opacity: 1; }
.hero-slider__nav--prev { left: 14px; } .hero-slider__nav--next { right: 14px; }

.feature-photo { width: 100%; max-width: 460px; aspect-ratio: 4 / 3; object-fit: cover;
    border-radius: 16px; box-shadow: 0 20px 50px rgba(15,23,32,.16); display: block; margin: 0 auto; }

/* ============================================================ landing polish
   Depth, rhythm and a closing CTA to lift the page from "clean" to "premium",
   without abandoning the restrained, gradient-free aesthetic. */

/* Soft elevation + a gentle lift on the card families. */
.card, .plan, .quote {
    box-shadow: 0 1px 2px rgba(15,23,32,.04), 0 10px 26px rgba(15,23,32,.05);
    transition: transform .18s ease, box-shadow .18s ease, border-color .18s ease;
}
.card:hover, .plan:hover, .quote:hover {
    transform: translateY(-3px);
    box-shadow: 0 8px 16px rgba(15,23,32,.07), 0 22px 46px rgba(15,23,32,.10);
    border-color: #d7dbe2;
}
[data-bs-theme="dark"] .card,
[data-bs-theme="dark"] .plan,
[data-bs-theme="dark"] .quote { box-shadow: 0 10px 30px rgba(0,0,0,.30); }
[data-bs-theme="dark"] .card:hover,
[data-bs-theme="dark"] .plan:hover,
[data-bs-theme="dark"] .quote:hover { border-color: #33405280; }

/* Section headers: eyebrow + optional standfirst, a touch more air. */
.section__head { margin-bottom: 48px; }
.section__head .eyebrow { margin-bottom: 12px; }
.section__head h2 { margin-bottom: 0; }
.section__head p { color: var(--st-body); font-size: 17px; max-width: 58ch; margin: 14px auto 0; }

/* A whisper of brand colour behind the hero. */
.st-hero--split { position: relative; isolation: isolate; }
.st-hero--split::before {
    content: ""; position: absolute; inset: -40px 0 auto 0; height: 480px; z-index: -1;
    background: radial-gradient(58% 100% at 80% 0%, rgba(27,92,245,.07), transparent 68%);
    pointer-events: none;
}

/* Buttons: a hair more presence + smooth press. */
.btn { transition: transform .12s ease, background .15s ease, box-shadow .15s ease, border-color .15s ease; }
.btn--primary:hover { box-shadow: 0 10px 26px rgba(27,92,245,0.30); }
.btn--lg:active { transform: translateY(1px); }

/* Closing call-to-action band. */
.cta-wrap { padding: 20px 0 80px; }
.cta-band {
    background: var(--st-ink); color: #fff; border-radius: 22px; padding: 58px 40px; text-align: center;
    box-shadow: 0 30px 60px rgba(15,23,32,.18);
}
.cta-band .eyebrow { color: #8fb2ff; }
.cta-band h2 { color: #fff; margin-bottom: 12px; }
.cta-band p { color: rgba(255,255,255,.82); font-size: 18px; max-width: 52ch; margin: 0 auto 28px; }
.cta-band .btn--ghost { border-color: rgba(255,255,255,.34); color: #fff; }
.cta-band .btn--ghost:hover { border-color: #fff; background: rgba(255,255,255,.10); }
[data-bs-theme="dark"] .cta-band { background: #071a33; }

/* how-it-works step icons */
.step-ic { width: 46px; height: 46px; border-radius: 12px; display: grid; place-items: center;
    background: rgba(27,92,245,.10); color: var(--st-accent); font-size: 22px; margin-bottom: 14px; }
[data-bs-theme="dark"] .step-ic { background: rgba(27,92,245,.18); }

/* brand logo (theme-aware) */
.st-logo .brand-logo { height: 30px; width: auto; }
.brand-logo--light { display: block; }
.brand-logo--dark { display: none; }
[data-bs-theme="dark"] .brand-logo--light { display: none; }
[data-bs-theme="dark"] .brand-logo--dark { display: block; }

/* header light/dark toggle */
.st-theme {
    display: inline-grid; place-items: center;
    width: 38px; height: 38px; flex: 0 0 auto;
    border: 1px solid var(--st-border); border-radius: 10px;
    background: transparent; color: var(--st-ink); cursor: pointer;
    font-size: 17px; transition: background .15s ease, border-color .15s ease, color .15s ease;
}
.st-theme:hover { background: var(--st-accent-soft, rgba(27,92,245,.08)); border-color: var(--st-accent); color: var(--st-accent); }

/* ---------------------------------------------- image hero banner (people) */
.hero-banner {
    position: relative;
    isolation: isolate;
    background-color: #0a1a3a;
    background-size: cover;
    background-position: center right;
    padding: 96px 0;
    color: #fff;
}
.hero-banner::before {
    content: ""; position: absolute; inset: 0; z-index: -1;
    background: linear-gradient(90deg, rgba(6,14,30,.86) 0%, rgba(6,14,30,.60) 48%, rgba(6,14,30,.25) 100%);
}
.hero-banner__inner { max-width: 640px; }
.hero-banner .eyebrow { color: #8fb2ff; }
.hero-banner__title { color: #fff; font-size: clamp(30px, 4.2vw, 46px); line-height: 1.08; margin: 12px 0 14px; letter-spacing: -0.02em; }
.hero-banner__lede { color: rgba(255,255,255,.86); font-size: 18px; line-height: 1.6; margin: 0 0 26px; }
.hero-banner__ghost { border-color: rgba(255,255,255,.38); color: #fff; }
.hero-banner__ghost:hover { border-color: #fff; background: rgba(255,255,255,.10); }
@media (max-width: 860px) {
    .hero-banner { padding: 60px 0; background-position: center; }
    .hero-banner::before { background: linear-gradient(180deg, rgba(6,14,30,.72), rgba(6,14,30,.88)); }
}

/* -------------------------------------------------- legal / policy pages */
.legal-doc { max-width: 840px; }
.legal-item { display: flex; gap: 20px; padding: 22px 0; border-bottom: 1px solid var(--st-line); }
.legal-item:last-of-type { border-bottom: 0; }
.legal-item__ic {
    flex: 0 0 auto; width: 52px; height: 52px; border-radius: 14px;
    display: grid; place-items: center; font-size: 24px;
    background: rgba(27,92,245,.10); color: var(--st-accent);
}
.legal-item__body { min-width: 0; }
.legal-item__body h3 { margin: 3px 0 8px; font-size: 18px; letter-spacing: -0.01em; }
.legal-item__body p  { margin: 0 0 8px; color: var(--st-body); line-height: 1.65; }
.legal-item__body ul { margin: 6px 0 0 18px; color: var(--st-body); line-height: 1.7; }
.legal-note {
    display: flex; gap: 16px; align-items: center; margin-top: 28px; padding: 18px 22px;
    background: rgba(27,92,245,.06); border: 1px solid var(--st-border); border-radius: 14px;
}
.legal-note i { font-size: 26px; color: var(--st-accent); flex: 0 0 auto; }
.legal-note p { margin: 0; color: var(--st-body); }
[data-bs-theme="dark"] .legal-item__ic,
[data-bs-theme="dark"] .legal-note { background: rgba(27,92,245,.16); }
@media (max-width: 620px) { .legal-item { gap: 14px; } .legal-item__ic { width: 44px; height: 44px; font-size: 20px; } }

/* =============================================================================
   Mobile polish — fills gaps the existing 860px / 992px rules leave on phones
   ============================================================================= */

/* ---- 640px: tighten spacing, single-column plans & quotes ---------------- */
@media (max-width: 640px) {

    /* Wrap */
    .wrap { padding-left: 16px; padding-right: 16px; }

    /* Typography */
    h1, .h1 { font-size: clamp(26px, 7vw, 36px); }
    h2, .h2 { font-size: clamp(22px, 6vw, 30px); }

    /* Hero */
    .st-hero--split { padding: 30px 0 14px; }
    .hero-copy .lede { font-size: 16px; }
    .hero-cta { flex-direction: column; gap: 10px; }
    .hero-cta .btn { width: 100%; justify-content: center; }
    .trust-chips { gap: 12px; }

    /* Plans grid → 1 column */
    .plans  { grid-template-columns: 1fr !important; gap: 16px; }
    .plan   { padding: 22px 18px; }

    /* Stats / counters row → 2 columns */
    .stats  { grid-template-columns: 1fr 1fr !important; gap: 14px; }
    .stat   { padding: 16px 14px; }
    .stat__value { font-size: clamp(28px, 7vw, 40px); }

    /* Feature cards → 1 column */
    .cards  { grid-template-columns: 1fr !important; gap: 14px; }
    .card   { padding: 20px 16px; }

    /* Testimonials / quotes → 1 column */
    .quotes { grid-template-columns: 1fr !important; gap: 14px; }
    .quote  { padding: 20px 16px; }

    /* How-it-works steps → 1 column */
    .steps  { grid-template-columns: 1fr !important; gap: 20px; }

    /* Calculator */
    .calc         { grid-template-columns: 1fr; gap: 20px; padding: 18px 16px; }
    .calc__output { padding: 16px; }

    /* CTA band */
    .cta-band { padding: 36px 18px; border-radius: 16px; }
    .cta-band h2 { font-size: clamp(22px, 6vw, 30px); }
    .cta-band p  { font-size: 16px; }
    .cta-band .hero-cta { flex-direction: column; }
    .cta-band .btn { width: 100%; }

    /* Section rhythm */
    .section { padding: 36px 0; }
    .section__head { margin-bottom: 30px; }
    .section__head p { font-size: 15px; }

    /* Hero banner (about / inner pages) */
    .hero-banner { padding: 40px 0; }
    .hero-banner__title { font-size: clamp(24px, 6.5vw, 36px); }
    .hero-banner__lede  { font-size: 15.5px; }

    /* Ticker / live-rates bar if present */
    .ticker-wrap { font-size: 13px; }

    /* Footer columns → 1 column */
    .st-foot__cols { grid-template-columns: 1fr !important; gap: 28px; }
    .st-foot__cols h4 { margin-bottom: 8px; }
    .st-foot__cols ul { margin: 0; padding: 0; list-style: none; display: flex; flex-wrap: wrap; gap: 6px 18px; }
    .st-foot__cols ul li a { font-size: 14px; }
    .st-risk { font-size: 13px; padding: 14px 0; }
}

/* ---- 400px: very small phones -------------------------------------------- */
@media (max-width: 400px) {
    .stats { grid-template-columns: 1fr !important; }
    .btn--lg { padding: 13px 18px; font-size: 15px; }
    .st-nav a { font-size: 15px; padding: 11px 10px; }
}