/* =====================================================
   NEOSURF – Main Stylesheet
   Colors: #333366 (blue), #E72582 (red/pink), #22224d (dark blue)
   Fonts: Montserrat (headings), Open Sans (body)
   ===================================================== */

/* ---- RESET & BASE ---- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; font-size: 16px; }

body {
  font-family: 'Open Sans', sans-serif;
  color: #374151;
  background: #fff;
  -webkit-font-smoothing: antialiased;
  line-height: 1.6;
}

img { max-width: 100%; height: auto; display: block; }
a { text-decoration: none; color: inherit; }
ul { list-style: none; }

/* ---- CSS VARIABLES ---- */
:root {
  --blue:       #333366;
  --blue-light: #4444aa;
  --blue-dark:  #22224d;
  --red:        #E72582;
  --red-dark:   #b81e68;
  --red-light:  #ff4da6;
  --white:      #ffffff;
  --gray-50:    #f9fafb;
  --gray-100:   #f3f4f6;
  --gray-200:   #e5e7eb;
  --gray-400:   #9ca3af;
  --gray-500:   #6b7280;
  --gray-600:   #4b5563;
  --gray-700:   #374151;
  --radius:     1rem;
  --radius-sm:  0.5rem;
  --radius-lg:  1.5rem;
  --radius-xl:  2rem;
  --shadow:     0 1px 3px rgba(0,0,0,.08), 0 4px 16px rgba(0,0,0,.06);
  --shadow-lg:  0 10px 40px rgba(0,0,0,.12);
  --transition: 0.25s ease;
}

/* ---- TYPOGRAPHY ---- */
h1, h2, h3, h4, h5, h6 {
  font-family: 'Montserrat', sans-serif;
  font-weight: 800;
  line-height: 1.2;
  color: var(--blue);
}

.section-label {
  display: inline-block;
  font-family: 'Montserrat', sans-serif;
  font-weight: 700;
  font-size: .7rem;
  letter-spacing: .15em;
  text-transform: uppercase;
  color: var(--red);
  margin-bottom: .75rem;
}

/* ---- LAYOUT ---- */
.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 1.5rem;
}

.section { padding: 6rem 0; }
.section--sm { padding: 3rem 0; }
.section--gray { background: var(--gray-50); }
.section--blue { background: var(--blue); color: #fff; }
.section--dark { background: var(--blue-dark); color: #fff; }

.section__head { text-align: center; margin-bottom: 3.5rem; }
.section__head h2 { font-size: clamp(1.75rem, 3vw, 2.5rem); margin-bottom: .75rem; }
.section__head p { color: var(--gray-500); max-width: 38rem; margin: 0 auto; }

/* ---- BUTTONS ---- */
.btn {
  display: inline-flex;
  align-items: center;
  gap: .5rem;
  font-family: 'Montserrat', sans-serif;
  font-weight: 700;
  font-size: .9rem;
  padding: .85rem 2rem;
  border-radius: 50px;
  border: none;
  cursor: pointer;
  transition: all var(--transition);
  white-space: nowrap;
  text-decoration: none;
}

.btn--primary {
  background: var(--red);
  color: #fff;
  box-shadow: 0 4px 15px rgba(231,37,130,.25);
}
.btn--primary:hover {
  background: var(--red-dark);
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(231,37,130,.35);
}

.btn--outline {
  background: transparent;
  color: #fff;
  border: 2px solid rgba(255,255,255,.4);
}
.btn--outline:hover {
  border-color: #fff;
  background: rgba(255,255,255,.1);
}

.btn--blue {
  background: var(--blue);
  color: #fff;
}
.btn--blue:hover {
  background: var(--blue-light);
  transform: translateY(-2px);
}

.btn--lg { padding: 1.1rem 2.5rem; font-size: 1rem; }

/* ---- NAVBAR ---- */
.navbar {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  background: var(--blue);
  transition: box-shadow var(--transition), padding var(--transition);
  padding: .75rem 0;
}
.navbar.scrolled {
  box-shadow: 0 2px 20px rgba(0,0,0,.25);
  padding: .5rem 0;
}
.navbar__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
}
.navbar__logo img {
  height: 42px;
  width: auto;
}
.navbar__nav {
  display: flex;
  align-items: center;
  gap: .25rem;
}
.navbar__link {
  font-family: 'Montserrat', sans-serif;
  font-weight: 600;
  font-size: .82rem;
  color: rgba(255,255,255,.9);
  padding: .5rem .9rem;
  border-radius: var(--radius-sm);
  transition: color var(--transition);
  border-bottom: 2px solid transparent;
}
.navbar__link:hover,
.navbar__link.active {
  color: var(--red);
  border-bottom-color: var(--red);
}
.navbar__cta {
  margin-left: .75rem;
  background: var(--red);
  color: #fff !important;
  padding: .5rem 1.25rem !important;
  border-radius: 50px !important;
  border-bottom: none !important;
}
.navbar__cta:hover { background: var(--red-dark) !important; }

.navbar__toggle {
  display: none;
  background: none;
  border: none;
  cursor: pointer;
  padding: .25rem;
  color: #fff;
}
.navbar__toggle span {
  display: block;
  width: 24px;
  height: 2px;
  background: #fff;
  margin: 5px 0;
  transition: all .3s;
}
.navbar__toggle.open span:nth-child(1) { transform: rotate(45deg) translate(5px, 5px); }
.navbar__toggle.open span:nth-child(2) { opacity: 0; }
.navbar__toggle.open span:nth-child(3) { transform: rotate(-45deg) translate(5px, -5px); }

.navbar__mobile {
  display: none;
  background: var(--blue-dark);
  border-top: 1px solid rgba(255,255,255,.1);
  padding: 1rem 0 1.5rem;
}
.navbar__mobile.open { display: block; }
.navbar__mobile .navbar__link {
  display: block;
  padding: .75rem 1.5rem;
  border-bottom: none;
}
.navbar__mobile .navbar__cta {
  margin: .75rem 1.5rem 0;
  display: block;
  text-align: center;
}

/* ---- HERO ---- */
.hero {
  position: relative;
  min-height: 100vh;
  display: flex;
  align-items: center;
  background: var(--blue);
  overflow: hidden;
  padding-top: 80px;
}
.hero__bg {
  position: absolute;
  inset: 0;
  background-image: url('https://images.pexels.com/photos/6802042/pexels-photo-6802042.jpeg?auto=compress&cs=tinysrgb&w=1920');
  background-size: cover;
  background-position: center;
  opacity: .08;
}
.hero__overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, var(--blue) 0%, var(--blue-dark) 100%);
  opacity: .95;
}
.hero__inner {
  position: relative;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: center;
  padding: 4rem 0;
}
.hero__badge {
  display: inline-block;
  background: rgba(231,37,130,.15);
  border: 1px solid rgba(231,37,130,.35);
  color: var(--red);
  font-family: 'Montserrat', sans-serif;
  font-weight: 700;
  font-size: .7rem;
  letter-spacing: .12em;
  text-transform: uppercase;
  padding: .45rem 1rem;
  border-radius: 50px;
  margin-bottom: 1.25rem;
}
.hero h1 {
  color: #fff;
  font-size: clamp(2.2rem, 4.5vw, 3.5rem);
  font-weight: 900;
  margin-bottom: 1rem;
}
.hero h1 span { color: var(--red); }
.hero__sub {
  color: rgba(189,210,255,.9);
  font-size: 1.1rem;
  margin-bottom: .5rem;
}
.hero__desc {
  color: rgba(189,210,255,.7);
  font-size: .95rem;
  margin-bottom: 2.25rem;
  max-width: 30rem;
  line-height: 1.7;
}
.hero__actions { display: flex; gap: 1rem; flex-wrap: wrap; }

.hero__visual {
  position: relative;
}
.hero__img {
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  width: 100%;
  max-height: 420px;
  object-fit: cover;
}
.hero__card {
  position: absolute;
  background: #fff;
  border-radius: var(--radius);
  box-shadow: var(--shadow-lg);
  padding: 1rem 1.25rem;
  display: flex;
  align-items: center;
  gap: .75rem;
}
.hero__card--bottom {
  bottom: -1.5rem;
  left: -1.5rem;
}
.hero__card--top {
  top: -1.5rem;
  right: -1.5rem;
  background: var(--red);
  color: #fff;
  flex-direction: column;
  align-items: center;
  text-align: center;
  padding: .9rem 1.1rem;
}
.hero__card-icon {
  width: 3rem; height: 3rem;
  background: var(--blue);
  border-radius: .75rem;
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}
.hero__card-icon svg { width: 22px; height: 22px; color: #fff; }
.hero__card-title {
  font-family: 'Montserrat', sans-serif;
  font-weight: 700;
  font-size: .82rem;
  color: var(--blue);
}
.hero__card-sub { font-size: .72rem; color: var(--gray-500); }
.hero__card--top .hero__card-num {
  font-family: 'Montserrat', sans-serif;
  font-weight: 900;
  font-size: 1.6rem;
  line-height: 1;
}
.hero__card--top .hero__card-label { font-size: .7rem; opacity: .85; }

.hero__scroll {
  position: absolute;
  bottom: 2rem; left: 50%;
  transform: translateX(-50%);
  display: flex; flex-direction: column; align-items: center; gap: .4rem;
  color: rgba(255,255,255,.3);
  font-size: .65rem;
  letter-spacing: .12em;
  text-transform: uppercase;
}
.hero__scroll-line {
  width: 2px; height: 2rem;
  background: rgba(255,255,255,.25);
  animation: pulse 2s infinite;
}

/* ---- STATS BAR ---- */
.stats { background: #fff; border-bottom: 1px solid var(--gray-100); padding: 3.5rem 0; }
.stats__grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 2rem;
  text-align: center;
}
.stats__value {
  font-family: 'Montserrat', sans-serif;
  font-weight: 900;
  font-size: 2.4rem;
  color: var(--blue);
  line-height: 1;
}
.stats__label { color: var(--gray-500); font-size: .85rem; margin-top: .35rem; }

/* ---- FEATURE CARDS ---- */
.cards {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.75rem;
}

.card {
  background: #fff;
  border: 1px solid var(--gray-100);
  border-radius: var(--radius-lg);
  padding: 2rem;
  transition: all var(--transition);
  box-shadow: var(--shadow);
}
.card:hover {
  box-shadow: var(--shadow-lg);
  transform: translateY(-4px);
}
.card__icon {
  width: 3.5rem; height: 3.5rem;
  background: rgba(51,51,102,.08);
  border-radius: .875rem;
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 1.25rem;
  transition: background var(--transition);
}
.card__icon svg { width: 26px; height: 26px; color: var(--blue); transition: color var(--transition); }
.card:hover .card__icon { background: var(--red); }
.card:hover .card__icon svg { color: #fff; }
.card h3 {
  font-size: 1rem;
  font-family: 'Montserrat', sans-serif;
  font-weight: 700;
  margin-bottom: .6rem;
  color: var(--blue);
}
.card p { font-size: .875rem; color: var(--gray-500); line-height: 1.65; }

/* ---- STEPS ---- */
.steps {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2.5rem;
  position: relative;
}
.step {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
}
.step__circle {
  position: relative;
  width: 5rem; height: 5rem;
  border-radius: 50%;
  background: rgba(231,37,130,.15);
  border: 2px solid var(--red);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 1.5rem;
}
.step__circle svg { width: 30px; height: 30px; color: var(--red); }
.step__num {
  position: absolute;
  top: -8px; right: -8px;
  width: 1.75rem; height: 1.75rem;
  background: var(--red);
  color: #fff;
  border-radius: 50%;
  font-family: 'Montserrat', sans-serif;
  font-weight: 900;
  font-size: .72rem;
  display: flex; align-items: center; justify-content: center;
}
.step h3 { font-size: 1.1rem; font-family: 'Montserrat', sans-serif; font-weight: 700; color: #fff; margin-bottom: .6rem; }
.step p { font-size: .875rem; color: rgba(189,210,255,.8); line-height: 1.65; }

/* ---- 4-COL STEPS (Account, Balance) ---- */
.steps--4 { grid-template-columns: repeat(4, 1fr); }
.steps--blue .step h3 { color: #fff; }
.steps--blue .step p { color: rgba(189,210,255,.8); }
.steps--light .step h3 { color: var(--blue); }
.steps--light .step p { color: var(--gray-500); }
.steps--light .step__circle {
  background: rgba(51,51,102,.08);
  border-color: var(--blue);
}
.steps--light .step__circle svg { color: var(--blue); }
.steps--light .step__num { background: var(--blue); }

/* ---- SPLIT SECTIONS ---- */
.split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: center;
}
.split--reverse { direction: rtl; }
.split--reverse > * { direction: ltr; }
.split__img {
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  width: 100%;
  height: 22rem;
  object-fit: cover;
}
.split__content h2 { font-size: clamp(1.6rem, 2.5vw, 2.2rem); margin-bottom: 1.25rem; }
.split__content p { color: var(--gray-500); margin-bottom: 1rem; line-height: 1.75; font-size: .95rem; }
.checklist { margin-top: 1.5rem; display: flex; flex-direction: column; gap: .75rem; }
.checklist li {
  display: flex;
  align-items: flex-start;
  gap: .75rem;
  font-size: .875rem;
  color: var(--gray-600);
}
.checklist li::before {
  content: '';
  display: block;
  width: 18px; height: 18px;
  background: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23E72582' stroke-width='2.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M22 11.08V12a10 10 0 1 1-5.93-9.14'/%3E%3Cpolyline points='22 4 12 14.01 9 11.01'/%3E%3C/svg%3E") no-repeat center / contain;
  flex-shrink: 0;
  margin-top: .1rem;
}

/* ---- TESTIMONIALS ---- */
.testimonials {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.5rem;
}
.testimonial {
  background: #fff;
  border: 1px solid var(--gray-100);
  border-radius: var(--radius-lg);
  padding: 1.5rem;
  box-shadow: var(--shadow);
  transition: box-shadow var(--transition);
}
.testimonial:hover { box-shadow: var(--shadow-lg); }
.testimonial__stars { display: flex; gap: 3px; margin-bottom: 1rem; }
.testimonial__stars svg { width: 14px; height: 14px; fill: var(--red); color: var(--red); }
.testimonial__text {
  font-size: .85rem;
  color: var(--gray-600);
  line-height: 1.7;
  font-style: italic;
  margin-bottom: 1.25rem;
}
.testimonial__author { display: flex; align-items: center; gap: .75rem; padding-top: 1rem; border-top: 1px solid var(--gray-100); }
.testimonial__avatar { width: 2.5rem; height: 2.5rem; border-radius: 50%; object-fit: cover; }
.testimonial__name { font-family: 'Montserrat', sans-serif; font-weight: 700; font-size: .82rem; color: var(--blue); }
.testimonial__loc { font-size: .72rem; color: var(--gray-400); }

/* ---- CTA BANNER ---- */
.cta-banner {
  position: relative;
  background: var(--blue);
  text-align: center;
  overflow: hidden;
  padding: 6rem 0;
}
.cta-banner::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image: url('https://images.pexels.com/photos/5699479/pexels-photo-5699479.jpeg?auto=compress&cs=tinysrgb&w=1920');
  background-size: cover; background-position: center;
  opacity: .04;
}
.cta-banner .container { position: relative; }
.cta-banner h2 { color: #fff; font-size: clamp(1.75rem, 3.5vw, 3rem); margin: .75rem auto 1.25rem; max-width: 38rem; }
.cta-banner p { color: rgba(189,210,255,.85); max-width: 32rem; margin: 0 auto 2.5rem; font-size: 1.05rem; }
.cta-banner__actions { display: flex; gap: 1rem; justify-content: center; flex-wrap: wrap; }

/* ---- HERO PAGE HEADER (inner pages) ---- */
.page-hero {
  position: relative;
  background: var(--blue);
  padding: 9rem 0 5rem;
  text-align: center;
  overflow: hidden;
}
.page-hero::before {
  content: '';
  position: absolute; inset: 0;
  background: linear-gradient(135deg, var(--blue) 0%, var(--blue-dark) 100%);
  opacity: .97;
}
.page-hero .container { position: relative; }
.page-hero h1 { color: #fff; font-size: clamp(2rem, 4vw, 3rem); margin: .75rem 0 1rem; }
.page-hero p { color: rgba(189,210,255,.85); max-width: 36rem; margin: 0 auto; font-size: 1.05rem; }

/* ---- ACCOUNT PAGE ---- */
.benefits-card {
  background: var(--blue);
  border-radius: var(--radius-lg);
  padding: 2rem;
  color: #fff;
  margin-top: 2rem;
}
.benefits-card h3 { color: #fff; font-size: .95rem; margin-bottom: .6rem; }
.benefits-card p { color: rgba(189,210,255,.85); font-size: .85rem; line-height: 1.65; }

/* ---- BALANCE CHECK MOCKUP ---- */
.balance-mockup {
  background: rgba(255,255,255,.08);
  border: 1px solid rgba(255,255,255,.15);
  backdrop-filter: blur(10px);
  border-radius: var(--radius-xl);
  padding: 2rem;
}
.mockup-header {
  display: flex; align-items: center; gap: .75rem; margin-bottom: 1.5rem;
}
.mockup-header svg { width: 22px; height: 22px; color: var(--red); }
.mockup-header span {
  font-family: 'Montserrat', sans-serif;
  font-weight: 700;
  font-size: .85rem;
  color: #fff;
}
.mockup-pin {
  background: rgba(34,34,77,.5);
  border-radius: var(--radius);
  padding: 1.25rem;
  margin-bottom: 1.25rem;
}
.mockup-pin__label { font-size: .72rem; color: rgba(189,210,255,.7); letter-spacing: .1em; text-transform: uppercase; margin-bottom: .6rem; }
.mockup-pin__dots { display: flex; gap: .5rem; }
.mockup-pin__group {
  background: rgba(255,255,255,.08);
  border-radius: .5rem;
  padding: .6rem 1rem;
  font-family: 'Montserrat', sans-serif;
  font-weight: 900;
  font-size: 1.1rem;
  color: #fff;
  letter-spacing: .15em;
}
.mockup-grid { display: grid; grid-template-columns: 1fr 1fr; gap: .75rem; margin-bottom: 1.25rem; }
.mockup-stat {
  background: rgba(34,34,77,.5);
  border-radius: var(--radius);
  padding: 1rem;
}
.mockup-stat__label { font-size: .72rem; color: rgba(189,210,255,.7); margin-bottom: .35rem; }
.mockup-stat__value { font-family: 'Montserrat', sans-serif; font-weight: 900; color: #fff; font-size: 1.4rem; }
.mockup-stat__badge { display: flex; align-items: center; gap: .4rem; }
.mockup-dot { width: 8px; height: 8px; background: #4ade80; border-radius: 50%; }
.mockup-stat__badge span { font-family: 'Montserrat', sans-serif; font-weight: 700; font-size: .85rem; color: #4ade80; }
.mockup-footer { display: flex; align-items: center; gap: .4rem; font-size: .72rem; color: rgba(189,210,255,.5); }
.mockup-footer svg { width: 12px; height: 12px; }

/* ---- CONTACT ---- */
.offices { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.5rem; }
.office {
  display: flex; gap: 1rem;
  background: var(--gray-50);
  border: 1px solid var(--gray-100);
  border-radius: var(--radius);
  padding: 1.25rem;
}
.office__icon {
  width: 2.5rem; height: 2.5rem;
  background: var(--blue);
  border-radius: .625rem;
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}
.office__icon svg { width: 18px; height: 18px; color: #fff; }
.office__region { font-family: 'Montserrat', sans-serif; font-weight: 700; font-size: .82rem; color: var(--blue); margin-bottom: .3rem; }
.office__addr, .office__phone { font-size: .78rem; color: var(--gray-500); line-height: 1.5; }
.office__email { font-size: .78rem; color: var(--red); }
.office__email:hover { text-decoration: underline; }

.contact-grid { display: grid; grid-template-columns: 2fr 3fr; gap: 3rem; align-items: start; }
.contact-info h2 { font-size: 1.75rem; margin-bottom: 2rem; }
.contact-info-list { display: flex; flex-direction: column; gap: 1.5rem; }
.contact-info-item { display: flex; align-items: flex-start; gap: 1rem; }
.contact-info-item__icon {
  width: 3rem; height: 3rem;
  background: var(--blue);
  border-radius: .75rem;
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}
.contact-info-item__icon svg { width: 20px; height: 20px; color: #fff; }
.contact-info-item__title { font-family: 'Montserrat', sans-serif; font-weight: 700; font-size: .85rem; color: var(--blue); }
.contact-info-item__val { font-size: .875rem; color: var(--gray-700); }
.contact-info-item__sub { font-size: .78rem; color: var(--gray-400); }
.contact-region-box {
  background: var(--blue);
  border-radius: var(--radius);
  padding: 1.5rem;
  color: #fff;
  margin-top: 2rem;
}
.contact-region-box h3 { color: #fff; font-size: .95rem; margin-bottom: .5rem; }
.contact-region-box p { color: rgba(189,210,255,.85); font-size: .85rem; line-height: 1.65; }

.form-card {
  background: #fff;
  border: 1px solid var(--gray-100);
  border-radius: var(--radius-xl);
  padding: 2.5rem;
  box-shadow: var(--shadow);
}
.form-card h2 { font-size: 1.5rem; margin-bottom: .5rem; }
.form-card .sub { color: var(--gray-400); font-size: .875rem; margin-bottom: 2rem; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1.25rem; margin-bottom: 1.25rem; }
.form-group { margin-bottom: 1.25rem; }
label.form-label {
  display: block;
  font-family: 'Montserrat', sans-serif;
  font-weight: 700;
  font-size: .72rem;
  letter-spacing: .08em;
  text-transform: uppercase;
  color: var(--blue);
  margin-bottom: .5rem;
}
.form-control {
  width: 100%;
  border: 1.5px solid var(--gray-200);
  border-radius: .75rem;
  padding: .75rem 1rem;
  font-family: 'Open Sans', sans-serif;
  font-size: .875rem;
  color: var(--gray-700);
  background: #fff;
  transition: border-color var(--transition), box-shadow var(--transition);
  outline: none;
  -webkit-appearance: none;
}
.form-control:focus {
  border-color: var(--blue);
  box-shadow: 0 0 0 3px rgba(51,51,102,.08);
}
.form-control.error { border-color: var(--red); }
.form-error { color: var(--red); font-size: .75rem; margin-top: .3rem; }
textarea.form-control { resize: vertical; min-height: 7rem; }
.form-check {
  display: flex;
  align-items: flex-start;
  gap: .6rem;
  margin-bottom: .75rem;
}
.form-check input[type="checkbox"] {
  width: 1rem; height: 1rem;
  accent-color: var(--red);
  margin-top: .15rem;
  flex-shrink: 0;
}
.form-check label { font-size: .8rem; color: var(--gray-500); cursor: pointer; }
.form-check label a { color: var(--blue); text-decoration: underline; }
.form-success {
  text-align: center;
  padding: 3rem 0;
}
.form-success__icon {
  width: 5rem; height: 5rem;
  background: #d1fae5;
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 1.5rem;
}
.form-success__icon svg { width: 2.5rem; height: 2.5rem; color: #059669; }
.form-success h3 { font-size: 1.5rem; margin-bottom: .75rem; }
.form-success p { color: var(--gray-500); font-size: .9rem; margin-bottom: 1.5rem; }

/* ---- NEWSLETTER ---- */
.newsletter {
  background: var(--blue);
  padding: 5rem 0;
  text-align: center;
}
.newsletter h2 { color: #fff; font-size: 1.75rem; margin-bottom: .75rem; }
.newsletter p { color: rgba(189,210,255,.85); margin-bottom: 2rem; }
.newsletter-form {
  display: flex;
  gap: .75rem;
  max-width: 28rem;
  margin: 0 auto;
  flex-wrap: wrap;
}
.newsletter-form input {
  flex: 1;
  min-width: 12rem;
  border: none;
  border-radius: 50px;
  padding: .85rem 1.5rem;
  font-family: 'Open Sans', sans-serif;
  font-size: .9rem;
  outline: none;
}
.newsletter-note { color: rgba(189,210,255,.5); font-size: .75rem; margin-top: .75rem; }

/* ---- FAQ ---- */
.faq-filter { display: flex; gap: .6rem; flex-wrap: wrap; justify-content: center; margin-bottom: 3rem; }
.faq-filter__btn {
  padding: .5rem 1.25rem;
  border-radius: 50px;
  border: 1.5px solid var(--gray-200);
  background: #fff;
  font-family: 'Montserrat', sans-serif;
  font-weight: 700;
  font-size: .8rem;
  color: var(--gray-500);
  cursor: pointer;
  transition: all var(--transition);
}
.faq-filter__btn:hover { border-color: var(--blue); color: var(--blue); }
.faq-filter__btn.active { background: var(--blue); color: #fff; border-color: var(--blue); box-shadow: 0 2px 8px rgba(51,51,102,.2); }

.faq-list { display: flex; flex-direction: column; gap: .75rem; }
.faq-item {
  background: #fff;
  border: 1px solid var(--gray-100);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  overflow: hidden;
  transition: box-shadow var(--transition);
}
.faq-item:hover { box-shadow: var(--shadow-lg); }
.faq-item__btn {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 1.25rem 1.5rem;
  background: none;
  border: none;
  cursor: pointer;
  text-align: left;
  gap: 1rem;
}
.faq-item__btn-left { display: flex; align-items: flex-start; gap: .75rem; }
.faq-category-tag {
  flex-shrink: 0;
  background: rgba(51,51,102,.08);
  color: var(--blue);
  font-family: 'Montserrat', sans-serif;
  font-weight: 700;
  font-size: .68rem;
  padding: .25rem .6rem;
  border-radius: 50px;
  white-space: nowrap;
  margin-top: .15rem;
}
.faq-item__question {
  font-family: 'Montserrat', sans-serif;
  font-weight: 700;
  font-size: .9rem;
  color: var(--blue);
}
.faq-chevron {
  flex-shrink: 0;
  color: var(--red);
  transition: transform var(--transition);
}
.faq-chevron svg { width: 20px; height: 20px; }
.faq-item.open .faq-chevron { transform: rotate(180deg); }
.faq-item__answer {
  display: none;
  padding: 0 1.5rem 1.5rem;
  border-top: 1px solid var(--gray-50);
  padding-top: 1rem;
}
.faq-item.open .faq-item__answer { display: block; }
.faq-item__answer p { font-size: .875rem; color: var(--gray-600); line-height: 1.75; }

/* ---- EXCHANGE PAGE ---- */
.exchange-hero {
  position: relative;
  background: var(--blue);
  padding: 9rem 0 5rem;
  overflow: hidden;
}
.exchange-hero::before {
  content: '';
  position: absolute; inset: 0;
  background-image: url('https://images.pexels.com/photos/8370752/pexels-photo-8370752.jpeg?auto=compress&cs=tinysrgb&w=1920');
  background-size: cover; background-position: center;
  opacity: .06;
}
.exchange-hero::after {
  content: '';
  position: absolute; inset: 0;
  background: linear-gradient(135deg, var(--blue) 0%, var(--blue-dark) 100%);
  opacity: .94;
}
.exchange-hero .container { position: relative; z-index: 1; }
.exchange-main-section { padding: 6rem 0; background: #fff; }
.exchange-card {
  background: var(--gray-50);
  border: 1px solid var(--gray-100);
  border-radius: var(--radius-xl);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
}
.exchange-card__img {
  width: 100%;
  height: 340px;
  object-fit: cover;
  display: block;
}
.exchange-card__body {
  padding: 2.5rem 3rem;
}
.exchange-card__body h2 {
  font-size: clamp(1.5rem, 2.5vw, 2.2rem);
  color: var(--blue);
  margin: .75rem 0 1.25rem;
}
.exchange-card__body p {
  color: var(--gray-500);
  font-size: .95rem;
  line-height: 1.8;
  margin-bottom: 1rem;
}
.exchange-card__body p:last-of-type { margin-bottom: 2rem; }
.exchange-features { display: flex; flex-direction: column; gap: 1rem; margin-bottom: 2.5rem; }
.exchange-feature {
  display: flex;
  gap: 1rem;
  align-items: flex-start;
  background: #fff;
  border: 1px solid var(--gray-100);
  border-radius: var(--radius);
  padding: 1.1rem 1.25rem;
  box-shadow: var(--shadow);
  transition: box-shadow var(--transition);
}
.exchange-feature:hover { box-shadow: var(--shadow-lg); }
.exchange-feature__icon {
  width: 2.75rem; height: 2.75rem;
  background: rgba(51,51,102,.08);
  border-radius: .625rem;
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}
.exchange-feature__icon svg { width: 20px; height: 20px; color: var(--blue); }
.exchange-feature h4 { font-family: 'Montserrat', sans-serif; font-weight: 700; font-size: .875rem; color: var(--blue); margin-bottom: .3rem; }
.exchange-feature p { font-size: .82rem; color: var(--gray-500); line-height: 1.55; }
.exchange-cta-wrap {
  display: flex;
  align-items: center;
  gap: 1.5rem;
  flex-wrap: wrap;
  padding-top: 1rem;
  border-top: 1px solid var(--gray-200);
}
.exchange-cta-note {
  font-size: .8rem;
  color: var(--gray-400);
  display: flex;
  align-items: center;
  gap: .4rem;
}
.exchange-cta-note svg { width: 14px; height: 14px; color: var(--red); }
.exchange-btc-banner {
  background: linear-gradient(135deg, var(--blue) 0%, var(--blue-dark) 100%);
  border-radius: var(--radius-xl);
  padding: 3rem;
  color: #fff;
  text-align: center;
  margin-top: 4rem;
  box-shadow: var(--shadow-lg);
}
.exchange-btc-banner h3 { color: #fff; font-size: 1.5rem; margin-bottom: .75rem; }
.exchange-btc-banner p { color: rgba(189,210,255,.85); max-width: 28rem; margin: 0 auto 2rem; font-size: .95rem; }
.btc-icon {
  width: 4rem; height: 4rem;
  background: var(--red);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 1.5rem;
  box-shadow: 0 4px 15px rgba(231,37,130,.35);
}
.btc-icon svg { width: 28px; height: 28px; color: #fff; }

/* ---- FOOTER ---- */
.footer {
  background: var(--blue-dark);
  color: rgba(255,255,255,.85);
  padding: 5rem 0 0;
}
.footer__grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1.25fr;
  gap: 3rem;
  padding-bottom: 3rem;
}
.footer__logo img { height: 38px; width: auto; margin-bottom: 1rem; filter: brightness(0) invert(1); }
.footer__about { font-size: .85rem; color: rgba(255,255,255,.55); line-height: 1.7; }
.footer__socials { display: flex; gap: .6rem; margin-top: 1.25rem; }
.footer__social {
  width: 2.2rem; height: 2.2rem;
  border-radius: 50%;
  background: rgba(255,255,255,.1);
  display: flex; align-items: center; justify-content: center;
  transition: background var(--transition);
}
.footer__social:hover { background: var(--red); }
.footer__social svg { width: 15px; height: 15px; color: #fff; }
.footer__title {
  font-family: 'Montserrat', sans-serif;
  font-weight: 700;
  font-size: .72rem;
  letter-spacing: .15em;
  text-transform: uppercase;
  color: var(--red);
  margin-bottom: 1.25rem;
}
.footer__links { display: flex; flex-direction: column; gap: .65rem; }
.footer__links a { font-size: .875rem; color: rgba(255,255,255,.6); transition: color var(--transition); }
.footer__links a:hover { color: var(--red); }
.footer__contact-list { display: flex; flex-direction: column; gap: 1rem; }
.footer__contact-item { display: flex; align-items: flex-start; gap: .625rem; }
.footer__contact-item svg { width: 15px; height: 15px; color: var(--red); flex-shrink: 0; margin-top: .2rem; }
.footer__contact-item span, .footer__contact-item a { font-size: .82rem; color: rgba(255,255,255,.6); }
.footer__contact-item a:hover { color: var(--red); }
.footer__note { font-size: .72rem; color: rgba(255,255,255,.35); margin-top: .5rem; line-height: 1.6; }
.footer__bottom {
  border-top: 1px solid rgba(255,255,255,.08);
  padding: 1.5rem 0;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 1rem;
  flex-wrap: wrap;
}
.footer__copy { font-size: .8rem; color: rgba(255,255,255,.4); }
.footer__gdpr { font-size: .72rem; color: rgba(255,255,255,.3); text-align: right; }

/* ---- REVEAL ANIMATIONS ---- */
.reveal {
  opacity: 0;
  transform: translateY(2rem);
  transition: opacity .7s ease, transform .7s ease;
}
.reveal.visible {
  opacity: 1;
  transform: translateY(0);
}

/* ---- HERO PAGE SPLIT (balance check) ---- */
.hero-split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: center;
  padding: 4rem 0;
}
.hero-split__text h1 { color: #fff; font-size: clamp(2rem, 3.5vw, 3rem); margin-bottom: 1rem; }
.hero-split__text p { color: rgba(189,210,255,.85); font-size: 1rem; margin-bottom: 2rem; max-width: 28rem; line-height: 1.7; }

/* ---- UTILITY ---- */
.text-center { text-align: center; }
.mt-2 { margin-top: .5rem; }
.mt-4 { margin-top: 1rem; }
.mt-6 { margin-top: 1.5rem; }
.mt-8 { margin-top: 2rem; }
.mt-10 { margin-top: 2.5rem; }
.mb-4 { margin-bottom: 1rem; }
.mb-6 { margin-bottom: 1.5rem; }
.mb-8 { margin-bottom: 2rem; }

/* ---- KEYFRAMES ---- */
@keyframes pulse {
  0%, 100% { opacity: .3; }
  50% { opacity: 1; }
}
@keyframes fadeUp {
  from { opacity: 0; transform: translateY(1.5rem); }
  to   { opacity: 1; transform: translateY(0); }
}
.animate-fade-up { animation: fadeUp .8s ease forwards; }
.delay-1 { animation-delay: .15s; opacity: 0; }
.delay-2 { animation-delay: .3s; opacity: 0; }
.delay-3 { animation-delay: .45s; opacity: 0; }

/* =============================================
   RESPONSIVE
   ============================================= */
@media (max-width: 1024px) {
  .cards { grid-template-columns: repeat(2, 1fr); }
  .testimonials { grid-template-columns: repeat(2, 1fr); }
  .steps--4 { grid-template-columns: repeat(2, 1fr); }
  .footer__grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 768px) {
  .navbar__nav { display: none; }
  .navbar__toggle { display: block; }

  .hero__inner { grid-template-columns: 1fr; }
  .hero__visual { display: none; }
  .hero { min-height: auto; padding: 5rem 0 4rem; }

  .stats__grid { grid-template-columns: repeat(2, 1fr); }

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

  .steps { grid-template-columns: 1fr; }
  .steps--4 { grid-template-columns: 1fr; }

  .split { grid-template-columns: 1fr; }
  .split--reverse { direction: ltr; }
  .split__img { height: 16rem; }

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

  .hero-split { grid-template-columns: 1fr; }
  .hero-split__visual { display: none; }

  .offices { grid-template-columns: 1fr; }
  .contact-grid { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }

  .footer__grid { grid-template-columns: 1fr; gap: 2rem; }
  .footer__bottom { flex-direction: column; text-align: center; }
  .footer__gdpr { text-align: center; }

  .exchange-card__body { padding: 1.75rem; }
  .exchange-btc-banner { padding: 2rem; }
}

@media (max-width: 480px) {
  .stats__grid { grid-template-columns: repeat(2, 1fr); gap: 1.5rem; }
  .hero h1 { font-size: 2rem; }
  .hero__actions { flex-direction: column; }
  .cta-banner__actions { flex-direction: column; align-items: center; }
  .newsletter-form { flex-direction: column; }
  .newsletter-form input { border-radius: .75rem; }
}