/* =============================================================================
 * Rakshati Finserv — Marketing website
 * Grounded in the Rakshati Finserv Design System.
 *   Brand palette: deep navy (#101829) + antique gold (#927449) + cool silver.
 *   Product palette: financial-services navy on white, neutral greys, semantics.
 *   Type: Inter (everything) + IBM Plex Mono (all numerals).
 *   Restraint: flat backgrounds, hairline borders, shadows only on hover,
 *   gold used sparingly as an accent, no marketing fluff.
 * ========================================================================== */

@import url('https://fonts.googleapis.com/css2?family=Inter:wght@400;500;600;700&family=IBM+Plex+Mono:wght@400;500;600&display=swap');

:root {
  /* Brand */
  --brand-navy:      #101829;
  --brand-navy-2:    #0a1220;
  --brand-navy-soft: #1a2540;
  --brand-gold:      #927449;
  --brand-gold-soft: #b89466;
  --brand-silver:    #c6c1c6;

  /* Product surfaces / text */
  --bg:            oklch(1 0 0);
  --surface:       oklch(1 0 0);
  --surface-muted: oklch(0.97 0 0);
  --surface-soft:  oklch(0.985 0 0);
  --fg:            oklch(0.145 0 0);
  --fg-2:          oklch(0.205 0 0);
  --fg-muted:      oklch(0.556 0 0);

  --primary:        oklch(0.34 0.12 245);
  --primary-hover:  oklch(0.30 0.12 245);
  --primary-soft:   oklch(0.96 0.015 245);

  --border:  oklch(0.922 0 0);
  --divider: oklch(0.94 0 0);

  --good-soft:#d1fae5; --good:#065f46;
  --info-soft:#dbeafe; --info:#1e40af;
  --warn-soft:#fef3c7; --warn:#92400e;
  --bad-soft:#ffe4e6;  --bad:#9f1239;

  --radius-sm:6px; --radius-md:8px; --radius-lg:10px; --radius-xl:14px; --radius-2xl:18px;

  --shadow-sm: 0 1px 3px 0 rgb(0 0 0 / 0.06), 0 1px 2px -1px rgb(0 0 0 / 0.04);
  --shadow-md: 0 4px 8px -2px rgb(0 0 0 / 0.06), 0 2px 4px -2px rgb(0 0 0 / 0.04);
  --shadow-lg: 0 12px 24px -8px rgb(0 0 0 / 0.10), 0 4px 8px -4px rgb(0 0 0 / 0.06);

  --font-sans: 'Inter', system-ui, -apple-system, 'Segoe UI', Roboto, sans-serif;
  --font-mono: 'IBM Plex Mono', ui-monospace, SFMono-Regular, Menlo, monospace;

  --maxw: 1200px;
}

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

html { scroll-behavior: smooth; scroll-padding-top: 84px; }

body {
  font-family: var(--font-sans);
  font-feature-settings: 'cv11','ss01','ss03';
  color: var(--fg);
  background: var(--bg);
  -webkit-font-smoothing: antialiased;
  line-height: 1.5;
}

.mono { font-family: var(--font-mono); font-variant-numeric: tabular-nums; font-feature-settings:'tnum','zero'; }

a { color: inherit; text-decoration: none; }
img { display: block; max-width: 100%; }
.wrap { max-width: var(--maxw); margin: 0 auto; padding: 0 32px; }

.eyebrow {
  font-size: 11px; font-weight: 600; letter-spacing: 0.12em; text-transform: uppercase;
  color: var(--brand-gold); display: inline-flex; align-items: center; gap: 8px;
}
.eyebrow::before { content:''; width: 18px; height: 1px; background: var(--brand-gold); display:inline-block; }
.eyebrow.center { justify-content: center; }
section .eyebrow.dark { color: var(--fg-muted); }
section .eyebrow.dark::before { background: var(--brand-gold); }

/* ---------------- Header / nav ------------------------------------------- */
.nav {
  position: sticky; top: 0; z-index: 50;
  background: rgba(255,255,255,0.82);
  backdrop-filter: saturate(180%) blur(12px);
  border-bottom: 1px solid var(--border);
}
.nav-inner { display: flex; align-items: center; gap: 32px; height: 68px; }
.brand { display: flex; align-items: center; gap: 11px; flex-shrink: 0; }
.brand-mark {
  width: 34px; height: 34px; border-radius: 9px;
  background: var(--brand-navy); color: var(--brand-gold-soft);
  display: grid; place-items: center; flex-shrink: 0;
}
.brand-mark svg { width: 19px; height: 19px; }
.brand-mark img { width: 76%; height: 76%; object-fit: contain; }
.brand-word { display: flex; flex-direction: column; line-height: 1; }
.brand-word b { font-size: 15px; font-weight: 700; letter-spacing: 0.04em; color: var(--brand-navy); }
.brand-word span { font-size: 9px; font-weight: 600; letter-spacing: 0.18em; color: var(--fg-muted); text-transform: uppercase; margin-top: 3px; }

.nav-links { display: flex; align-items: center; gap: 4px; margin-left: 8px; }
.nav-links a {
  font-size: 14px; font-weight: 500; color: var(--fg-2);
  padding: 8px 12px; border-radius: var(--radius-md); transition: background .15s, color .15s;
}
.nav-links a:hover { background: var(--surface-muted); color: var(--fg); }
.nav-cta { margin-left: auto; display: flex; align-items: center; gap: 10px; }

/* Buttons */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  font-family: var(--font-sans); font-size: 14px; font-weight: 600;
  padding: 10px 18px; border-radius: var(--radius-lg); cursor: pointer;
  border: 1px solid transparent; transition: all .15s; white-space: nowrap;
}
.btn:active { transform: translateY(1px); }
.btn-primary { background: var(--primary); color: #fff; }
.btn-primary:hover { background: var(--primary-hover); box-shadow: var(--shadow-md); }
.btn-gold { background: var(--brand-gold); color: #fff; }
.btn-gold:hover { background: var(--brand-gold-soft); box-shadow: var(--shadow-md); }
.btn-ghost { background: transparent; color: var(--fg-2); border-color: var(--border); }
.btn-ghost:hover { border-color: var(--primary); color: var(--primary); }
.btn-ghost-light { background: transparent; color: var(--brand-silver); border-color: rgba(198,193,198,0.28); }
.btn-ghost-light:hover { border-color: var(--brand-gold-soft); color: #fff; }
.btn-lg { padding: 14px 26px; font-size: 15px; }
.btn svg { width: 16px; height: 16px; }

.menu-toggle { display: none; background: none; border: 1px solid var(--border); border-radius: var(--radius-md); width: 40px; height: 40px; cursor: pointer; align-items: center; justify-content: center; }
.menu-toggle svg { width: 20px; height: 20px; color: var(--fg); }

/* ---------------- Hero --------------------------------------------------- */
.hero {
  position: relative; color: var(--brand-silver);
  background:
    radial-gradient(120% 90% at 78% 8%, #1a2540 0%, #101829 46%, #0a1220 100%);
  overflow: hidden;
}
.hero::after {
  content:''; position:absolute; inset:0;
  background-image:
    linear-gradient(rgba(198,193,198,0.04) 1px, transparent 1px),
    linear-gradient(90deg, rgba(198,193,198,0.04) 1px, transparent 1px);
  background-size: 56px 56px;
  mask-image: radial-gradient(120% 80% at 70% 20%, #000 0%, transparent 70%);
  pointer-events: none;
}
.hero-inner { position: relative; z-index: 1; display: grid; grid-template-columns: 1.05fr 0.95fr; gap: 56px; align-items: center; padding: 92px 0 104px; }
.hero h1 {
  font-size: clamp(38px, 5vw, 60px); font-weight: 700; line-height: 1.04; letter-spacing: -0.025em;
  color: #fff; margin: 22px 0 0; text-wrap: balance;
}
.hero h1 .accent { color: var(--brand-gold-soft); }
.hero p.lede { font-size: 18px; line-height: 1.6; color: var(--brand-silver); margin: 22px 0 0; max-width: 540px; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 14px; margin-top: 34px; }
.hero-note { display: flex; align-items: center; gap: 10px; margin-top: 28px; font-size: 13px; color: rgba(198,193,198,0.8); }
.hero-note svg { width: 15px; height: 15px; color: var(--brand-gold-soft); }

/* Hero panel — stylised bond status card in product visual language */
.hero-panel {
  background: rgba(255,255,255,0.04); border: 1px solid rgba(198,193,198,0.14);
  border-radius: var(--radius-2xl); padding: 22px; backdrop-filter: blur(6px);
  box-shadow: 0 24px 60px -24px rgba(0,0,0,0.6);
}
.hp-head { display: flex; align-items: center; justify-content: space-between; padding-bottom: 16px; border-bottom: 1px solid rgba(198,193,198,0.12); }
.hp-title { font-size: 13px; font-weight: 600; color: #fff; }
.hp-sub { font-size: 11px; color: rgba(198,193,198,0.7); margin-top: 3px; }
.pill { display: inline-flex; align-items: center; gap: 6px; font-size: 11px; font-weight: 600; padding: 4px 10px; border-radius: 999px; }
.pill.good { background: var(--good-soft); color: var(--good); }
.pill.info { background: var(--info-soft); color: var(--info); }
.pill.warn { background: var(--warn-soft); color: var(--warn); }
.pill .dot { width: 6px; height: 6px; border-radius: 50%; background: currentColor; }
.hp-rows { display: flex; flex-direction: column; }
.hp-row { display: flex; align-items: center; justify-content: space-between; padding: 13px 0; border-bottom: 1px solid rgba(198,193,198,0.1); }
.hp-row:last-child { border-bottom: 0; }
.hp-row .k { font-size: 12px; color: rgba(198,193,198,0.72); }
.hp-row .v { font-size: 13px; font-weight: 500; color: #fff; }
.hp-amount { font-size: 26px; font-weight: 600; color: #fff; letter-spacing: -0.01em; }
.hp-foot { margin-top: 16px; display: grid; grid-template-columns: 1fr 1fr; gap: 10px; }
.hp-mini { background: rgba(255,255,255,0.03); border: 1px solid rgba(198,193,198,0.1); border-radius: var(--radius-lg); padding: 12px 14px; }
.hp-mini .lab { font-size: 10px; font-weight: 600; letter-spacing: 0.08em; text-transform: uppercase; color: rgba(198,193,198,0.6); }
.hp-mini .num { font-size: 18px; font-weight: 600; color: #fff; margin-top: 5px; }
.hp-mini .num.gold { color: var(--brand-gold-soft); }

/* ---------------- Trust strip -------------------------------------------- */
.trust { border-bottom: 1px solid var(--border); background: var(--surface-soft); }
.trust-inner { display: flex; align-items: center; justify-content: space-between; gap: 40px; padding: 26px 0; }
.trust-label { font-size: 12px; font-weight: 600; letter-spacing: 0.06em; text-transform: uppercase; color: var(--fg-muted); flex-shrink: 0; max-width: 180px; line-height: 1.5; }
.trust-logos { display: flex; align-items: center; gap: 38px; flex-wrap: wrap; }
.trust-logo { font-size: 16px; font-weight: 700; color: var(--fg-muted); letter-spacing: -0.01em; opacity: 0.7; }

/* ---------------- Sections ----------------------------------------------- */
section.block { padding: 96px 0; }
.section-head { max-width: 680px; }
.section-head.center { margin: 0 auto; text-align: center; }
.section-head h2 {
  font-size: clamp(28px, 3.4vw, 40px); font-weight: 700; letter-spacing: -0.02em; line-height: 1.08;
  margin-top: 16px; color: var(--fg); text-wrap: balance;
}
.section-head p { font-size: 17px; line-height: 1.6; color: var(--fg-muted); margin-top: 16px; }

/* Stats band */
.stats { background: var(--brand-navy); color: var(--brand-silver); }
.stats .stats-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1px; background: rgba(198,193,198,0.12); border-radius: var(--radius-xl); overflow: hidden; }
.stat { background: var(--brand-navy); padding: 34px 28px; }
.stat .num { font-family: var(--font-mono); font-variant-numeric: tabular-nums; font-size: 38px; font-weight: 600; color: #fff; letter-spacing: -0.01em; }
.stat .num .unit { color: var(--brand-gold-soft); }
.stat .lab { font-size: 13px; color: rgba(198,193,198,0.78); margin-top: 8px; line-height: 1.45; }

/* Compare: Bank guarantee vs Surety bond */
.compare { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; margin-top: 56px; }
.compare-card { border: 1px solid var(--border); border-radius: var(--radius-xl); padding: 30px; background: var(--surface); }
.compare-card.highlight { border-color: var(--primary); box-shadow: var(--shadow-md); position: relative; }
.compare-card h3 { font-size: 18px; font-weight: 600; display: flex; align-items: center; gap: 10px; }
.compare-card .tag { font-size: 11px; font-weight: 600; letter-spacing: 0.06em; text-transform: uppercase; padding: 4px 9px; border-radius: 999px; }
.tag.old { background: var(--surface-muted); color: var(--fg-muted); }
.tag.new { background: var(--primary-soft); color: var(--primary); }
.compare-list { list-style: none; margin-top: 22px; display: flex; flex-direction: column; gap: 15px; }
.compare-list li { display: flex; gap: 12px; font-size: 14.5px; color: var(--fg-2); line-height: 1.5; }
.compare-list li svg { width: 18px; height: 18px; flex-shrink: 0; margin-top: 1px; }
.compare-list li .ic-bad { color: var(--bad); }
.compare-list li .ic-good { color: var(--good); }

/* Solutions grid */
.sol-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 20px; margin-top: 52px; }
.sol-card {
  border: 1px solid var(--border); border-radius: var(--radius-xl); padding: 28px;
  background: var(--surface); transition: border-color .15s, box-shadow .15s, transform .15s;
}
.sol-card:hover { border-color: color-mix(in oklch, var(--primary) 40%, var(--border)); box-shadow: var(--shadow-md); transform: translateY(-2px); }
.sol-icon { width: 46px; height: 46px; border-radius: var(--radius-lg); background: var(--primary-soft); color: var(--primary); display: grid; place-items: center; }
.sol-icon svg { width: 22px; height: 22px; }
.sol-card h3 { font-size: 18px; font-weight: 600; margin-top: 20px; }
.sol-card .stage { font-size: 11px; font-weight: 600; letter-spacing: 0.06em; text-transform: uppercase; color: var(--brand-gold); margin-top: 6px; }
.sol-card p { font-size: 14.5px; color: var(--fg-muted); margin-top: 12px; line-height: 1.6; }

/* How it works */
.steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; margin-top: 56px; }
.step { position: relative; }
.step .n { font-family: var(--font-mono); font-size: 13px; font-weight: 600; color: var(--brand-gold); }
.step .bar { height: 3px; background: var(--border); border-radius: 2px; margin: 12px 0 18px; overflow: hidden; }
.step .bar i { display: block; height: 100%; width: 40%; background: var(--primary); border-radius: 2px; }
.step h3 { font-size: 16px; font-weight: 600; }
.step p { font-size: 14px; color: var(--fg-muted); margin-top: 8px; line-height: 1.55; }

/* Platform showcase */
.platform { background: var(--surface-soft); border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); }
.platform-grid { display: grid; grid-template-columns: 0.9fr 1.1fr; gap: 56px; align-items: center; }
.feat-list { list-style: none; margin-top: 30px; display: flex; flex-direction: column; gap: 22px; }
.feat-list li { display: flex; gap: 14px; }
.feat-list .fic { width: 38px; height: 38px; border-radius: var(--radius-lg); background: var(--surface); border: 1px solid var(--border); color: var(--primary); display: grid; place-items: center; flex-shrink: 0; }
.feat-list .fic svg { width: 18px; height: 18px; }
.feat-list h4 { font-size: 15px; font-weight: 600; }
.feat-list p { font-size: 14px; color: var(--fg-muted); margin-top: 4px; line-height: 1.55; }

/* Browser mock for platform */
.mock {
  border-radius: var(--radius-2xl); overflow: hidden; border: 1px solid var(--border);
  background: var(--surface); box-shadow: var(--shadow-lg);
}
.mock-bar { display: flex; align-items: center; gap: 8px; padding: 12px 16px; background: var(--surface-muted); border-bottom: 1px solid var(--border); }
.mock-bar .dot { width: 11px; height: 11px; border-radius: 50%; }
.mock-bar .url { margin-left: 12px; font-size: 12px; color: var(--fg-muted); background: var(--surface); border: 1px solid var(--border); border-radius: 999px; padding: 4px 12px; font-family: var(--font-mono); }
.mock-body { display: grid; grid-template-columns: 184px 1fr; min-height: 360px; }
.mock-side { background: var(--surface-soft); border-right: 1px solid var(--border); padding: 16px 12px; }
.mock-side .si { display: flex; align-items: center; gap: 9px; padding: 8px 10px; border-radius: var(--radius-md); font-size: 12.5px; color: var(--fg-muted); }
.mock-side .si svg { width: 15px; height: 15px; }
.mock-side .si.active { background: var(--primary-soft); color: var(--primary); font-weight: 600; }
.mock-main { padding: 20px; }
.mock-h { display: flex; align-items: center; justify-content: space-between; margin-bottom: 16px; }
.mock-h .t { font-size: 14px; font-weight: 600; }
.mock-kpis { display: grid; grid-template-columns: repeat(3,1fr); gap: 12px; margin-bottom: 16px; }
.mock-kpi { border: 1px solid var(--border); border-radius: var(--radius-lg); padding: 12px; }
.mock-kpi .l { font-size: 9px; font-weight: 600; letter-spacing: 0.08em; text-transform: uppercase; color: var(--fg-muted); }
.mock-kpi .v { font-family: var(--font-mono); font-variant-numeric: tabular-nums; font-size: 18px; font-weight: 600; margin-top: 6px; }
.mock-kanban { display: grid; grid-template-columns: repeat(3,1fr); gap: 12px; }
.mock-col { background: var(--surface-soft); border: 1px solid var(--border); border-radius: var(--radius-lg); padding: 10px; }
.mock-col .ch { font-size: 10px; font-weight: 600; letter-spacing: 0.06em; text-transform: uppercase; color: var(--fg-muted); display:flex; justify-content:space-between; margin-bottom: 8px; }
.mc-card { background: var(--surface); border: 1px solid var(--border); border-radius: var(--radius-md); padding: 9px 10px; margin-bottom: 8px; }
.mc-card .nm { font-size: 11px; font-weight: 600; }
.mc-card .amt { font-family: var(--font-mono); font-size: 11px; color: var(--fg-muted); margin-top: 4px; }
.mc-card:last-child { margin-bottom: 0; }

/* Audience split */
.aud-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; margin-top: 56px; }
.aud-card { border-radius: var(--radius-2xl); padding: 40px; }
.aud-card.contractor { background: var(--brand-navy); color: var(--brand-silver); }
.aud-card.insurer { background: var(--surface); border: 1px solid var(--border); }
.aud-card .ak { font-size: 12px; font-weight: 600; letter-spacing: 0.1em; text-transform: uppercase; color: var(--brand-gold); }
.aud-card.contractor .ak { color: var(--brand-gold-soft); }
.aud-card h3 { font-size: 24px; font-weight: 700; letter-spacing: -0.015em; margin-top: 14px; }
.aud-card.contractor h3 { color: #fff; }
.aud-card p { font-size: 15px; line-height: 1.6; margin-top: 14px; }
.aud-card.contractor p { color: var(--brand-silver); }
.aud-card.insurer p { color: var(--fg-muted); }
.aud-card ul { list-style: none; margin-top: 22px; display: flex; flex-direction: column; gap: 12px; }
.aud-card li { display: flex; gap: 11px; font-size: 14px; align-items: flex-start; }
.aud-card li svg { width: 17px; height: 17px; flex-shrink: 0; margin-top: 2px; color: var(--brand-gold-soft); }
.aud-card.insurer li svg { color: var(--primary); }
.aud-card .link { display: inline-flex; align-items: center; gap: 7px; margin-top: 26px; font-size: 14px; font-weight: 600; }
.aud-card.contractor .link { color: var(--brand-gold-soft); }
.aud-card.insurer .link { color: var(--primary); }
.aud-card .link svg { width: 15px; height: 15px; }

/* Why / differentiators */
.why-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 1px; background: var(--border); border: 1px solid var(--border); border-radius: var(--radius-xl); overflow: hidden; margin-top: 52px; }
.why { background: var(--surface); padding: 30px; }
.why .wic { color: var(--primary); }
.why .wic svg { width: 24px; height: 24px; }
.why h3 { font-size: 16px; font-weight: 600; margin-top: 16px; }
.why p { font-size: 14px; color: var(--fg-muted); margin-top: 8px; line-height: 1.6; }

/* FAQ */
.faq { max-width: 800px; margin: 48px auto 0; border-top: 1px solid var(--border); }
.faq-item { border-bottom: 1px solid var(--border); }
.faq-q { width: 100%; background: none; border: 0; text-align: left; cursor: pointer; padding: 22px 0; display: flex; align-items: center; justify-content: space-between; gap: 20px; font-family: var(--font-sans); font-size: 16.5px; font-weight: 600; color: var(--fg); }
.faq-q svg { width: 20px; height: 20px; color: var(--fg-muted); flex-shrink: 0; transition: transform .2s; }
.faq-item.open .faq-q svg { transform: rotate(45deg); }
.faq-a { max-height: 0; overflow: hidden; transition: max-height .25s ease; }
.faq-a p { font-size: 15px; line-height: 1.65; color: var(--fg-muted); padding-bottom: 22px; max-width: 680px; }

/* CTA band */
.cta {
  background: radial-gradient(120% 120% at 80% 10%, #1a2540, #101829 60%, #0a1220 100%);
  color: var(--brand-silver); position: relative; overflow: hidden;
}
.cta::after { content:''; position:absolute; inset:0; background-image: linear-gradient(rgba(198,193,198,0.04) 1px, transparent 1px), linear-gradient(90deg, rgba(198,193,198,0.04) 1px, transparent 1px); background-size: 56px 56px; mask-image: radial-gradient(100% 100% at 80% 0%, #000, transparent 75%); }
.cta-inner { position: relative; z-index: 1; display: grid; grid-template-columns: 1fr auto; gap: 48px; align-items: center; padding: 72px 0; }
.cta h2 { font-size: clamp(28px, 3.4vw, 40px); font-weight: 700; letter-spacing: -0.02em; color: #fff; line-height: 1.08; text-wrap: balance; }
.cta p { font-size: 17px; color: var(--brand-silver); margin-top: 16px; max-width: 540px; }
.cta-actions { display: flex; flex-direction: column; gap: 14px; }

/* Footer */
.footer { background: var(--brand-navy-2); color: var(--brand-silver); padding: 64px 0 32px; }
.footer-top { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 40px; padding-bottom: 44px; border-bottom: 1px solid rgba(198,193,198,0.12); }
.footer-brand img { width: 188px; opacity: 0.96; border-radius: 10px; }
.footer-brand p { font-size: 13.5px; color: rgba(198,193,198,0.7); margin-top: 18px; line-height: 1.6; max-width: 280px; }
.footer h4 { font-size: 11px; font-weight: 600; letter-spacing: 0.1em; text-transform: uppercase; color: rgba(198,193,198,0.55); margin-bottom: 16px; }
.footer ul { list-style: none; display: flex; flex-direction: column; gap: 11px; }
.footer ul a { font-size: 14px; color: rgba(198,193,198,0.85); transition: color .15s; }
.footer ul a:hover { color: #fff; }
.footer-bot { display: flex; align-items: center; justify-content: space-between; gap: 24px; padding-top: 26px; flex-wrap: wrap; }
.footer-bot p { font-size: 12.5px; color: rgba(198,193,198,0.55); line-height: 1.6; max-width: 720px; }
.footer-bot .legal { display: flex; gap: 20px; }
.footer-bot .legal a { font-size: 12.5px; color: rgba(198,193,198,0.7); }

/* ---------------- Services grid (7 services) ----------------------------- */
.svc-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; margin-top: 52px; }
.svc-card {
  border: 1px solid var(--border); border-radius: var(--radius-xl); padding: 28px;
  background: var(--surface); transition: border-color .15s, box-shadow .15s, transform .15s;
  display: flex; flex-direction: column;
}
.svc-card:hover { border-color: color-mix(in oklch, var(--primary) 40%, var(--border)); box-shadow: var(--shadow-md); transform: translateY(-2px); }
.svc-icon { width: 46px; height: 46px; border-radius: var(--radius-lg); background: var(--primary-soft); color: var(--primary); display: grid; place-items: center; }
.svc-icon svg { width: 22px; height: 22px; }
.svc-card h3 { font-size: 17px; font-weight: 600; margin-top: 20px; }
.svc-card p { font-size: 14px; color: var(--fg-muted); margin-top: 10px; line-height: 1.6; flex: 1; }
.svc-card .more { display: inline-flex; align-items: center; gap: 7px; margin-top: 18px; font-size: 13px; font-weight: 600; color: var(--primary); }
.svc-card .more svg { width: 15px; height: 15px; transition: transform .15s; }
.svc-card:hover .more svg { transform: translateX(3px); }

/* ---------------- Philosophy (numbered) ---------------------------------- */
.phil-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 1px; background: rgba(198,193,198,0.14); border-radius: var(--radius-xl); overflow: hidden; margin-top: 52px; }
.phil { background: var(--brand-navy); padding: 36px 34px; color: var(--brand-silver); }
.phil .n { font-family: var(--font-mono); font-size: 13px; font-weight: 600; color: var(--brand-gold-soft); letter-spacing: 0.04em; }
.phil h3 { font-size: 19px; font-weight: 600; color: #fff; margin-top: 14px; letter-spacing: -0.01em; }
.phil p { font-size: 14.5px; color: rgba(198,193,198,0.78); margin-top: 12px; line-height: 1.6; }

/* ---------------- App showcase ------------------------------------------- */
.app { background: var(--surface-soft); border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); }
.app-grid { display: grid; grid-template-columns: 1fr 0.82fr; gap: 64px; align-items: center; }
.app-feats { list-style: none; margin-top: 30px; display: grid; grid-template-columns: 1fr 1fr; gap: 22px 28px; }
.app-feats li { display: flex; gap: 13px; }
.app-feats .afn { font-family: var(--font-mono); font-size: 12px; font-weight: 600; color: var(--brand-gold); flex-shrink: 0; width: 22px; height: 22px; border: 1px solid var(--border); border-radius: 7px; display: grid; place-items: center; margin-top: 1px; }
.app-feats h4 { font-size: 14.5px; font-weight: 600; }
.app-feats p { font-size: 13px; color: var(--fg-muted); margin-top: 3px; line-height: 1.5; }

/* Phone mock */
.phone-wrap { display: flex; justify-content: center; }
.phone {
  width: 296px; background: var(--brand-navy); border-radius: 38px; padding: 11px;
  box-shadow: var(--shadow-lg), 0 40px 80px -30px rgba(16,24,41,0.5); position: relative;
}
.phone-screen { background: var(--surface); border-radius: 28px; overflow: hidden; }
.phone-notch { position: absolute; top: 22px; left: 50%; transform: translateX(-50%); width: 110px; height: 26px; background: var(--brand-navy); border-radius: 0 0 14px 14px; z-index: 3; }
.ps-top { background: var(--brand-navy); color: var(--brand-silver); padding: 34px 18px 18px; }
.ps-top .greet { font-size: 11px; color: rgba(198,193,198,0.7); }
.ps-top .name { font-size: 15px; font-weight: 600; color: #fff; margin-top: 2px; }
.ps-net { margin-top: 16px; }
.ps-net .lab { font-size: 10px; font-weight: 600; letter-spacing: 0.08em; text-transform: uppercase; color: rgba(198,193,198,0.6); }
.ps-net .amt { font-family: var(--font-mono); font-variant-numeric: tabular-nums; font-size: 28px; font-weight: 600; color: #fff; margin-top: 5px; }
.ps-net .chg { font-family: var(--font-mono); font-size: 12px; color: #7ee2a8; margin-top: 5px; }
.ps-body { padding: 16px 16px 22px; }
.ps-sec { font-size: 11px; font-weight: 600; letter-spacing: 0.04em; color: var(--fg-muted); margin: 4px 0 10px; }
.ps-alloc { display: flex; flex-direction: column; gap: 11px; margin-bottom: 18px; }
.ps-arow { }
.ps-arow .top { display: flex; justify-content: space-between; font-size: 11.5px; margin-bottom: 5px; }
.ps-arow .top .pct { font-family: var(--font-mono); color: var(--fg-muted); }
.ps-track { height: 6px; background: var(--surface-muted); border-radius: 3px; overflow: hidden; }
.ps-track i { display: block; height: 100%; border-radius: 3px; }
.ps-goals { display: flex; flex-direction: column; gap: 9px; }
.ps-goal { display: flex; align-items: center; gap: 10px; border: 1px solid var(--border); border-radius: var(--radius-lg); padding: 9px 11px; }
.ps-goal .gi { width: 28px; height: 28px; border-radius: 8px; background: var(--primary-soft); color: var(--primary); display: grid; place-items: center; flex-shrink: 0; }
.ps-goal .gi svg { width: 15px; height: 15px; }
.ps-goal .gt { font-size: 11.5px; font-weight: 600; }
.ps-goal .gm { font-family: var(--font-mono); font-size: 10px; color: var(--fg-muted); margin-top: 2px; }
.ps-goal .gp { margin-left: auto; font-family: var(--font-mono); font-size: 12px; font-weight: 600; color: var(--good); }

/* ---------------- Quote band --------------------------------------------- */
.quote-band { background: var(--brand-navy); color: var(--brand-silver); }
.quote-inner { padding: 80px 0; text-align: center; max-width: 920px; margin: 0 auto; }
.quote-inner .mark { font-family: var(--font-mono); font-size: 48px; color: var(--brand-gold); line-height: 0.5; }
.quote-inner blockquote { font-size: clamp(22px, 3vw, 32px); font-weight: 600; line-height: 1.32; letter-spacing: -0.015em; color: #fff; margin: 24px 0; text-wrap: balance; }
.quote-inner .by { font-size: 13px; font-weight: 600; letter-spacing: 0.06em; text-transform: uppercase; color: var(--brand-gold-soft); }

/* ---------------- Consolidation routing panel (hero) --------------------- */
.route { display: flex; flex-direction: column; gap: 12px; }
.route-card { background: rgba(255,255,255,0.04); border: 1px solid rgba(198,193,198,0.14); border-radius: var(--radius-xl); padding: 16px 18px; }
.route-card .rl { font-size: 10px; font-weight: 600; letter-spacing: 0.08em; text-transform: uppercase; color: rgba(198,193,198,0.6); }
.route-req { display: flex; align-items: center; justify-content: space-between; margin-top: 9px; gap: 12px; }
.route-req .rt { font-size: 15px; font-weight: 600; color: #fff; }
.route-req .rtag { font-family: var(--font-mono); font-size: 11px; color: var(--brand-gold-soft); flex-shrink: 0; }
.route-providers { display: flex; flex-wrap: wrap; gap: 7px; margin-top: 10px; }
.rp { font-size: 11px; font-weight: 500; color: var(--brand-silver); background: rgba(255,255,255,0.05); border: 1px solid rgba(198,193,198,0.13); border-radius: 999px; padding: 5px 11px; display: inline-flex; align-items: center; gap: 6px; }
.rp svg { width: 12px; height: 12px; color: #7ee2a8; }
.route-arrow { display: flex; justify-content: center; color: rgba(198,193,198,0.38); margin: -4px 0; }
.route-arrow svg { width: 20px; height: 20px; }
.route-card.out { border-color: rgba(184,148,102,0.45); background: linear-gradient(135deg, rgba(146,116,73,0.16), rgba(255,255,255,0.03)); }
.route-out-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; margin-top: 11px; }
.route-out-grid .oi .ol { font-size: 10px; color: rgba(198,193,198,0.62); }
.route-out-grid .oi .ov { font-family: var(--font-mono); font-variant-numeric: tabular-nums; font-size: 15px; font-weight: 600; color: #fff; margin-top: 3px; }
.route-out-grid .oi .ov.gold { color: var(--brand-gold-soft); }

/* ---------------- Two-stage model ---------------------------------------- */
.stage-wrap { display: grid; grid-template-columns: 1fr 1fr; gap: 22px; margin-top: 56px; position: relative; }
.stage { border-radius: var(--radius-2xl); padding: 40px; position: relative; overflow: hidden; }
.stage.s1 { background: var(--surface); border: 1px solid var(--border); }
.stage.s2 { background: var(--brand-navy); color: var(--brand-silver); }
.stage.s2::after { content:''; position:absolute; inset:0; background-image: linear-gradient(rgba(198,193,198,0.04) 1px, transparent 1px), linear-gradient(90deg, rgba(198,193,198,0.04) 1px, transparent 1px); background-size: 44px 44px; mask-image: radial-gradient(90% 70% at 90% 0%, #000, transparent 75%); pointer-events: none; }
.stage > * { position: relative; z-index: 1; }
.stage .sn { display: inline-flex; align-items: center; gap: 9px; font-family: var(--font-mono); font-size: 12px; font-weight: 600; color: var(--brand-gold); letter-spacing: 0.08em; }
.stage.s2 .sn { color: var(--brand-gold-soft); }
.stage .sn b { font-size: 28px; font-weight: 600; line-height: 1; }
.stage h3 { font-size: 23px; font-weight: 700; letter-spacing: -0.015em; margin-top: 16px; line-height: 1.15; }
.stage.s2 h3 { color: #fff; }
.stage .lead { font-size: 15px; margin-top: 14px; line-height: 1.62; color: var(--fg-muted); }
.stage.s2 .lead { color: var(--brand-silver); }
.stage ul { list-style: none; margin-top: 24px; display: flex; flex-direction: column; gap: 14px; }
.stage li { display: flex; gap: 12px; font-size: 14.5px; line-height: 1.5; align-items: flex-start; }
.stage.s1 li { color: var(--fg-2); }
.stage li svg { width: 18px; height: 18px; flex-shrink: 0; margin-top: 1px; }
.stage.s1 li svg { color: var(--primary); }
.stage.s2 li svg { color: var(--brand-gold-soft); }
.stage-link { display: inline-flex; align-items: center; gap: 8px; margin-top: 28px; font-size: 14px; font-weight: 600; }
.stage.s1 .stage-link { color: var(--primary); }
.stage.s2 .stage-link { color: var(--brand-gold-soft); }
.stage-link svg { width: 15px; height: 15px; }
.stage-flow { display: flex; align-items: center; justify-content: center; gap: 10px; margin-top: 18px; font-size: 12px; color: var(--fg-muted); }
.stage-flow .ar { width: 26px; height: 1px; background: var(--border); position: relative; }
.stage-flow .ar::after { content:''; position:absolute; right:0; top:-2px; width:5px; height:5px; border-top:1px solid var(--fg-muted); border-right:1px solid var(--fg-muted); transform: rotate(45deg); }

/* Differentiator strip */
.diff { background: var(--brand-navy); color: var(--brand-silver); }
.diff-inner { display: flex; align-items: center; gap: 40px; padding: 56px 0; }
.diff-inner .dl { font-size: clamp(20px,2.4vw,28px); font-weight: 600; letter-spacing: -0.015em; color: #fff; line-height: 1.3; flex: 1; text-wrap: balance; }
.diff-inner .dl .gold { color: var(--brand-gold-soft); }
.diff-inner .dr { display: flex; gap: 36px; flex-shrink: 0; }
.diff-stat .n { font-family: var(--font-mono); font-variant-numeric: tabular-nums; font-size: 32px; font-weight: 600; color: #fff; }
.diff-stat .l { font-size: 12px; color: rgba(198,193,198,0.7); margin-top: 6px; max-width: 120px; line-height: 1.4; }

/* Insurer panel placeholders (surety sub-site) */
.insurer-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; margin-top: 48px; }
.insurer-slot { height: 96px; border: 1px dashed var(--border); border-radius: var(--radius-xl); background: var(--surface); display: grid; place-items: center; font-size: 13px; color: var(--fg-muted); letter-spacing: 0.02em; }

/* Surety-bond promo band (homepage) */
.bond-promo { background: var(--brand-navy); color: var(--brand-silver); border-radius: var(--radius-2xl); padding: 48px; display: grid; grid-template-columns: 1.2fr 0.8fr; gap: 48px; align-items: center; position: relative; overflow: hidden; }
.bond-promo::after { content:''; position:absolute; inset:0; background-image: linear-gradient(rgba(198,193,198,0.04) 1px, transparent 1px), linear-gradient(90deg, rgba(198,193,198,0.04) 1px, transparent 1px); background-size: 44px 44px; mask-image: radial-gradient(90% 80% at 88% 10%, #000, transparent 72%); pointer-events: none; }
.bond-promo > * { position: relative; z-index: 1; }
.bond-promo h2 { font-size: clamp(24px, 2.8vw, 32px); font-weight: 700; letter-spacing: -0.02em; color: #fff; line-height: 1.12; margin-top: 14px; text-wrap: balance; }
.bond-promo p { font-size: 15px; line-height: 1.62; color: var(--brand-silver); margin-top: 14px; max-width: 520px; }
.bond-promo .bp-actions { margin-top: 26px; }
.bp-card { background: rgba(255,255,255,0.04); border: 1px solid rgba(198,193,198,0.14); border-radius: var(--radius-xl); padding: 22px; }
.bp-card .bk { font-size: 11px; font-weight: 600; letter-spacing: 0.08em; text-transform: uppercase; color: rgba(198,193,198,0.6); }
.bp-card .bv { font-family: var(--font-mono); font-variant-numeric: tabular-nums; font-size: 30px; font-weight: 600; color: #fff; margin-top: 8px; }
.bp-card .bd { font-size: 12px; color: rgba(198,193,198,0.7); margin-top: 6px; }
.bp-card .bgold { color: var(--brand-gold-soft); }
.bp-tags { display: flex; flex-wrap: wrap; gap: 7px; margin-top: 18px; }
.bp-tag { font-size: 11px; font-weight: 500; color: var(--brand-silver); background: rgba(255,255,255,0.05); border: 1px solid rgba(198,193,198,0.13); border-radius: 999px; padding: 5px 11px; }

/* Reveal animation (subtle, opt-in) */
.reveal { opacity: 0; transform: translateY(14px); transition: opacity .6s ease, transform .6s ease; }
.reveal.in { opacity: 1; transform: none; }

/* ---------------- Responsive --------------------------------------------- */
@media (max-width: 980px) {
  .hero-inner, .platform-grid, .cta-inner { grid-template-columns: 1fr; gap: 40px; }
  .compare, .sol-grid, .aud-grid, .app-grid, .stage-wrap { grid-template-columns: 1fr; }
  .steps, .why-grid, .stats .stats-grid, .svc-grid, .phil-grid, .insurer-grid { grid-template-columns: repeat(2, 1fr); }
  .app-grid { gap: 40px; }
  .phone-wrap { order: -1; }
  .diff-inner { flex-direction: column; align-items: flex-start; gap: 28px; }
  .bond-promo { grid-template-columns: 1fr; gap: 32px; padding: 36px; }
  .cta-actions { flex-direction: row; flex-wrap: wrap; }
  .nav-links { display: none; }
  .menu-toggle { display: inline-flex; }
  .footer-top { grid-template-columns: 1fr 1fr; gap: 32px; }
}
@media (max-width: 560px) {
  .wrap { padding: 0 20px; }
  section.block { padding: 64px 0; }
  .stats .stats-grid, .why-grid, .svc-grid, .phil-grid, .insurer-grid { grid-template-columns: 1fr; }
  .steps, .app-feats { grid-template-columns: 1fr; }
  .diff-inner .dr { flex-wrap: wrap; gap: 24px; }
  .nav-cta .btn-ghost { display: none; }
  .footer-top { grid-template-columns: 1fr; }
  .hp-foot { grid-template-columns: 1fr 1fr; }
}

/* Mobile menu drawer */
.mobile-menu { display: none; position: fixed; inset: 68px 0 0; background: var(--bg); z-index: 49; padding: 24px 32px; flex-direction: column; gap: 6px; }
.mobile-menu.open { display: flex; }
.mobile-menu a { font-size: 17px; font-weight: 500; padding: 14px 0; border-bottom: 1px solid var(--border); color: var(--fg); }
.mobile-menu .btn { margin-top: 18px; }