/* ============ TOKENS ============ */
:root{
  --navy:#0A1F44;
  --navy-deep:#071633;
  --blue:#123B6D;
  --gold:#B8934A;
  --gold-light:#D9BC80;
  --gray-bg:#F4F6F9;
  --gray-line:#E4E9EF;
  --white:#FFFFFF;
  --ink:#1C2733;
  --ink-muted:#5B6B7D;
  --radius:16px;
  --shadow:0 10px 30px -12px rgba(10,31,68,0.18);
  --shadow-lg:0 24px 60px -20px rgba(10,31,68,0.28);
  --maxw:1200px;
}
*{box-sizing:border-box;max-width:100%;}
html{scroll-behavior:smooth;overflow-x:hidden;width:100%;}
body{
  margin:0;
  font-family:'Inter',sans-serif;
  color:var(--ink);
  background:var(--white);
  -webkit-font-smoothing:antialiased;
  overflow-x:hidden;
  width:100%;
}
img,svg,canvas,video{max-width:100%;}
.form-group input, .form-group select, .form-group textarea{width:100%;}
h1,h2,h3,h4{
  font-family:'Fraunces',serif;
  font-weight:600;
  line-height:1.15;
  margin:0;
  color:var(--navy);
}
p{line-height:1.7;color:var(--ink-muted);margin:0;}
a{text-decoration:none;color:inherit;}
.mono{font-family:'IBM Plex Mono',monospace;}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 32px;}
.eyebrow{
  font-family:'IBM Plex Mono',monospace;
  font-size:12px;
  letter-spacing:0.14em;
  text-transform:uppercase;
  color:var(--gold);
  font-weight:500;
  display:inline-block;
  margin-bottom:14px;
}
section{padding:84px 0;position:relative;}
.section-alt{background:var(--gray-bg);}
.section-head{max-width:680px;margin-bottom:42px;}
.section-head h2{font-size:clamp(28px,3.4vw,42px);}
.section-head p{margin-top:16px;font-size:17px;}
.center{text-align:center;margin-left:auto;margin-right:auto;}

/* reveal on scroll */
.reveal{opacity:0;transform:translateY(24px);transition:opacity .7s ease, transform .7s ease;}
.reveal.visible{opacity:1;transform:translateY(0);}

/* ============ BUTTONS ============ */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:8px;
  padding:15px 30px;border-radius:999px;font-weight:600;font-size:14.5px;
  cursor:pointer;border:1px solid transparent;transition:all .25s ease;
  white-space:nowrap;
}
.btn-gold{background:var(--gold);color:var(--navy-deep);}
.btn-gold:hover{background:var(--gold-light);transform:translateY(-2px);box-shadow:var(--shadow);}
.btn-outline{background:transparent;border:1px solid rgba(255,255,255,0.35);color:#fff;}
.btn-outline:hover{background:rgba(255,255,255,0.1);border-color:#fff;}
.btn-navy{background:var(--navy);color:#fff;}
.btn-navy:hover{background:var(--blue);transform:translateY(-2px);box-shadow:var(--shadow);}
.btn-ghost{background:transparent;color:var(--navy);border:1px solid var(--gray-line);}
.btn-ghost:hover{border-color:var(--gold);color:var(--gold);}
.btn-block{width:100%;}

/* ============ NAV ============ */
#nav{
  position:fixed;top:0;left:0;right:0;z-index:1000;
  padding:20px 0;transition:all .35s ease;
}
#nav.scrolled{
  background:rgba(255,255,255,0.92);backdrop-filter:blur(14px);
  padding:14px 0;box-shadow:0 4px 24px rgba(10,31,68,0.08);
}
.nav-inner{display:flex;align-items:center;justify-content:space-between;max-width:1360px;margin:0 auto;padding:0 32px;}
.logo{display:flex;align-items:center;gap:10px;font-family:'Fraunces',serif;font-weight:600;font-size:19px;color:#fff;transition:color .35s ease;}
#nav.scrolled .logo{color:var(--navy);}
.logo-mark{
  width:34px;height:34px;border-radius:9px;
  background:linear-gradient(135deg,var(--gold),var(--gold-light));
  display:flex;align-items:center;justify-content:center;
  font-family:'IBM Plex Mono',monospace;font-weight:600;font-size:13px;color:var(--navy-deep);
  flex-shrink:0;
}
.nav-links{display:flex;gap:26px;list-style:none;margin:0;padding:0;}
.nav-links a{
  font-size:14px;font-weight:500;color:rgba(255,255,255,0.85);
  transition:color .3s ease;position:relative;white-space:nowrap;
}
#nav.scrolled .nav-links a{color:var(--ink-muted);}
.nav-links a:hover, .nav-links a.active{color:var(--gold);}
.nav-links a.nav-featured{color:var(--gold-light);font-weight:700;}
#nav.scrolled .nav-links a.nav-featured{color:var(--gold);}
.nav-cta{display:flex;align-items:center;gap:16px;}
.nav-cta .btn{padding:11px 22px;font-size:13.5px;}
#nav.scrolled .btn-outline{color:var(--navy);border-color:var(--navy);}
#nav.scrolled .btn-outline:hover{background:var(--navy);color:#fff;}
.hamburger{display:none;flex-direction:column;gap:5px;cursor:pointer;background:none;border:none;padding:6px;}
.hamburger span{width:24px;height:2px;background:#fff;transition:.3s;}
#nav.scrolled .hamburger span{background:var(--navy);}

/* ============ HERO ============ */
#hero{
  position:relative;
  min-height:100vh;
  min-height:100svh;
  display:flex;align-items:center;
  background:radial-gradient(circle at 75% 30%, var(--blue) 0%, var(--navy) 45%, var(--navy-deep) 100%);
  overflow:hidden;
  padding-top:120px;padding-bottom:80px;
}
#globe-canvas{
  position:absolute;top:50%;left:50%;
  width:62%;height:92%;
  transform:translate(-50%,-50%);
  z-index:0;opacity:0.22;pointer-events:none;
}
.hero-inner{position:relative;z-index:2;max-width:var(--maxw);margin:0 auto;padding:0 32px;display:grid;grid-template-columns:1.05fr 0.95fr;gap:48px;align-items:start;}
.hero-eyebrow{color:var(--gold-light);}
.hero-text h1{
  font-size:clamp(32px,4vw,50px);
  color:#fff;letter-spacing:-0.01em;
}
.hero-text h1 em{font-style:italic;color:var(--gold-light);font-weight:500;}
.hero-text p{color:rgba(255,255,255,0.72);font-size:17px;margin-top:20px;max-width:520px;}
.hero-ctas{display:flex;gap:16px;margin-top:32px;flex-wrap:wrap;}
.trust-badges{display:flex;gap:24px;flex-wrap:wrap;margin-top:44px;padding-top:26px;border-top:1px solid rgba(255,255,255,0.14);}
.trust-badge{display:flex;align-items:center;gap:10px;font-size:12.5px;color:rgba(255,255,255,0.75);font-weight:500;}
.trust-badge .dot{width:6px;height:6px;border-radius:50%;background:var(--gold);flex-shrink:0;}

/* ============ HERO BANKING WIDGET ============ */
.hero-widget{
  background:rgba(255,255,255,0.07);border:1px solid rgba(255,255,255,0.16);
  border-radius:20px;backdrop-filter:blur(16px);overflow:hidden;
  box-shadow:0 30px 70px -30px rgba(0,0,0,0.55);
  position:relative;margin-top:8px;
}
.hero-widget::before{
  content:'';position:absolute;top:0;left:0;right:0;height:3px;
  background:linear-gradient(90deg,var(--gold),var(--gold-light),var(--gold));
}
.hero-widget-head{padding:24px 26px 18px;border-bottom:1px solid rgba(255,255,255,0.1);display:flex;align-items:center;gap:14px;}
.hero-widget-head .hw-icon{
  width:38px;height:38px;border-radius:10px;background:rgba(217,188,128,0.15);
  display:flex;align-items:center;justify-content:center;font-size:16px;flex-shrink:0;
}
.hero-widget-head span.eyebrow{color:var(--gold-light);margin-bottom:3px;display:block;}
.hero-widget-head h4{color:#fff;font-size:16.5px;font-family:'Fraunces',serif;font-weight:500;}
.hero-widget-body{display:grid;grid-template-columns:132px 1fr;}
.hero-widget-tabs{display:flex;flex-direction:column;border-right:1px solid rgba(255,255,255,0.1);padding:12px 8px;gap:3px;background:rgba(0,0,0,0.1);}
.hero-widget-tabs .htab{
  display:flex;align-items:center;gap:8px;min-height:42px;
  background:none;border:none;text-align:left;padding:0 12px;border-radius:9px;
  font-family:'Inter',sans-serif;font-size:12.5px;font-weight:600;color:rgba(255,255,255,0.55);
  cursor:pointer;transition:.2s;line-height:1.25;width:100%;
}
.htab .htab-flag{font-size:14px;flex-shrink:0;}
.hero-widget-tabs .htab.active{background:var(--gold);color:var(--navy-deep);}
.hero-widget-tabs .htab:hover:not(.active){background:rgba(255,255,255,0.08);color:#fff;}
.hero-widget-content{padding:24px 26px;min-height:250px;display:flex;flex-direction:column;}
.hero-widget-panel{display:none;flex-direction:column;flex-grow:1;}
.hero-widget-panel.active{display:flex;}
.hero-widget-panel .hw-badge{margin-bottom:14px;align-self:flex-start;}
.hw-price-list{display:flex;flex-direction:column;gap:2px;}
.hw-price-row{
  display:grid;grid-template-columns:1fr auto;align-items:baseline;gap:16px;
  padding:11px 0;border-bottom:1px solid rgba(255,255,255,0.08);
}
.hw-price-row:last-child{border-bottom:none;}
.hw-price-row span:first-child{font-size:13.5px;color:rgba(255,255,255,0.82);line-height:1.4;}
.hw-price-row span.amt{font-family:'IBM Plex Mono',monospace;color:var(--gold-light);font-size:14px;font-weight:500;white-space:nowrap;text-align:right;}
.hw-needs{margin-top:auto;padding-top:16px;border-top:1px dashed rgba(255,255,255,0.18);font-size:12px;color:rgba(255,255,255,0.55);line-height:1.65;}
.hw-needs strong{color:var(--gold-light);font-family:'IBM Plex Mono',monospace;font-size:10.5px;letter-spacing:0.06em;text-transform:uppercase;display:block;margin-bottom:5px;font-weight:500;}
.hero-widget-footer{padding:18px 26px;border-top:1px solid rgba(255,255,255,0.1);background:rgba(0,0,0,0.08);}

/* ============ SERVICE CARDS ============ */
.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;}
.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:24px;}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;}
.card{
  background:#fff;border:1px solid var(--gray-line);border-radius:var(--radius);
  padding:34px 28px;transition:all .3s ease;position:relative;overflow:hidden;
}
.card:hover{transform:translateY(-6px);box-shadow:var(--shadow-lg);border-color:transparent;}
.card-icon{
  width:48px;height:48px;border-radius:12px;background:var(--navy);
  display:flex;align-items:center;justify-content:center;margin-bottom:20px;
  color:var(--gold-light);
}
.card h3{font-size:19px;margin-bottom:10px;}
.card p{font-size:14.5px;}
.card-num{
  position:absolute;top:24px;right:26px;font-family:'IBM Plex Mono',monospace;
  font-size:12px;color:var(--gray-line);font-weight:500;
}

/* ============ PRICING CARDS ============ */
.price-card{
  background:#fff;border:1px solid var(--gray-line);border-radius:var(--radius);
  padding:32px;display:flex;flex-direction:column;transition:all .3s ease;
}
.price-card:hover{border-color:var(--gold);box-shadow:var(--shadow-lg);transform:translateY(-4px);}
.price-card .flag{font-size:26px;margin-bottom:14px;}
.price-card h3{font-size:20px;margin-bottom:4px;}
.price-card .price{
  font-family:'IBM Plex Mono',monospace;font-size:30px;color:var(--navy);font-weight:500;
  margin:14px 0 4px;
}
.price-card .price small{font-size:13px;color:var(--ink-muted);font-weight:400;}
.price-card ul{list-style:none;margin:18px 0 26px;padding:0;flex-grow:1;}
.price-card li{
  font-size:14px;color:var(--ink-muted);padding-left:22px;position:relative;margin-bottom:10px;
}
.price-card li::before{
  content:'';position:absolute;left:0;top:7px;width:8px;height:8px;
  border-radius:2px;background:var(--gold);
}
.badge{
  display:inline-flex;align-items:center;gap:6px;font-size:11px;font-weight:600;
  letter-spacing:0.06em;text-transform:uppercase;padding:5px 12px;border-radius:999px;
  font-family:'IBM Plex Mono',monospace;
}
.badge-soon{background:#FFF3E0;color:#B5651D;}
.badge-remote{background:#E7F6EC;color:#1E7B41;}
.badge-approval{background:var(--gray-bg);color:var(--ink-muted);border:1px solid var(--gray-line);}
.note-box{
  background:var(--gray-bg);border-left:3px solid var(--gold);border-radius:10px;
  padding:18px 22px;font-size:13.5px;color:var(--ink-muted);margin-top:20px;
}

/* ============ DEEP-DIVE PANEL (e.g. UK Limited Company) ============ */
.dive-panel{
  background:#fff;border:1px solid var(--gray-line);border-radius:22px;
  padding:48px;margin-top:56px;box-shadow:var(--shadow);
}
.dive-head{display:flex;align-items:center;gap:16px;margin-bottom:14px;flex-wrap:wrap;}
.dive-flag{font-size:34px;}
.dive-head h3{font-size:clamp(22px,2.6vw,30px);margin:0;}
.dive-tagline{font-size:16px;color:var(--ink-muted);max-width:680px;margin-bottom:36px;}
.dive-cols{display:grid;grid-template-columns:repeat(3,1fr);gap:32px;margin-bottom:36px;}
.dive-col h4{
  font-family:'IBM Plex Mono',monospace;font-size:12px;letter-spacing:0.08em;text-transform:uppercase;
  color:var(--gold);margin-bottom:16px;font-weight:500;
}
.dive-list{list-style:none;padding:0;margin:0;}
.dive-list li{
  font-size:14px;color:var(--ink-muted);padding-left:22px;position:relative;margin-bottom:12px;line-height:1.5;
}
.dive-list li::before{
  content:'\2713';position:absolute;left:0;top:0;color:var(--gold);font-size:12px;font-weight:700;
}
.dive-divider{height:1px;background:var(--gray-line);margin:36px 0;}
.dive-process{display:flex;gap:20px;flex-wrap:wrap;margin-bottom:36px;}
.dive-process-step{flex:1;min-width:150px;background:var(--gray-bg);border-radius:14px;padding:20px;}
.dive-process-step .n{
  font-family:'Fraunces',serif;font-style:italic;color:var(--gold);font-size:22px;display:block;margin-bottom:8px;
}
.dive-process-step p{font-size:13px;}
.dive-tags{display:flex;flex-wrap:wrap;gap:10px;margin-bottom:36px;}
.dive-tag{
  background:var(--gray-bg);border:1px solid var(--gray-line);border-radius:999px;
  padding:8px 16px;font-size:13px;font-weight:500;color:var(--navy);
}
.dive-renewal{
  background:var(--navy);color:#fff;border-radius:16px;padding:28px 32px;
  display:flex;justify-content:space-between;align-items:center;gap:24px;flex-wrap:wrap;
}
.dive-renewal-text h5{color:#fff;font-family:'Fraunces',serif;font-size:18px;margin-bottom:8px;}
.dive-renewal-text p{color:rgba(255,255,255,0.7);font-size:13.5px;max-width:520px;}
.dive-renewal .amt{font-family:'IBM Plex Mono',monospace;font-size:26px;color:var(--gold-light);font-weight:500;white-space:nowrap;}
.dive-footer{display:flex;justify-content:space-between;align-items:center;margin-top:36px;flex-wrap:wrap;gap:16px;}

/* ============ TABS ============ */
.tabs{display:flex;gap:8px;margin-bottom:36px;flex-wrap:wrap;border-bottom:1px solid var(--gray-line);}
.tab-btn{
  background:none;border:none;padding:13px 20px;font-size:14.5px;font-weight:600;
  color:var(--ink-muted);cursor:pointer;position:relative;font-family:'Inter',sans-serif;
  transition:color .25s ease;
}
.tab-btn::after{
  content:'';position:absolute;bottom:-1px;left:0;right:0;height:2px;background:var(--gold);
  transform:scaleX(0);transition:transform .25s ease;
}
.tab-btn.active{color:var(--navy);}
.tab-btn.active::after{transform:scaleX(1);}
.tab-panel{display:none;}
.tab-panel.active{display:block;}

/* Banking section: left category sidebar + right detail panel */
.banking-layout{display:grid;grid-template-columns:230px 1fr;gap:36px;align-items:start;}
#bank-tabs.tabs{
  display:flex;flex-direction:column;gap:4px;border-bottom:none;
  background:#fff;border:1px solid var(--gray-line);border-radius:16px;
  padding:10px;position:sticky;top:110px;
}
#bank-tabs .tab-btn{
  text-align:left;padding:14px 18px;border-radius:10px;font-size:14px;
}
#bank-tabs .tab-btn::after{display:none;}
#bank-tabs .tab-btn.active{background:var(--navy);color:#fff;}
#bank-tabs .tab-btn:hover:not(.active){background:var(--gray-bg);}
.bank-panel-title{display:flex;align-items:center;gap:12px;margin-bottom:20px;flex-wrap:wrap;}
.bank-panel-title h3{font-size:22px;}
.bank-requirements{
  margin-top:28px;background:var(--gray-bg);border-radius:14px;padding:26px 28px;
}
.bank-requirements h4{
  font-family:'IBM Plex Mono',monospace;font-size:12px;letter-spacing:0.08em;text-transform:uppercase;
  color:var(--gold);margin-bottom:14px;font-weight:500;
}
.bank-requirements .dive-list{columns:2;column-gap:28px;}
.bank-requirements .dive-list li{break-inside:avoid;}

/* mini bank cards */
.bank-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(230px,1fr));gap:18px;}
.bank-card{
  background:#fff;border:1px solid var(--gray-line);border-radius:12px;padding:22px;
  transition:all .25s ease;
}
.bank-card:hover{border-color:var(--gold);box-shadow:var(--shadow);}
.bank-card h4{font-size:16px;color:var(--navy);margin-bottom:8px;font-family:'Inter',sans-serif;font-weight:600;}
.bank-card .price{font-family:'IBM Plex Mono',monospace;color:var(--gold);font-size:20px;font-weight:500;}
.bank-card .tags{display:flex;gap:6px;margin-top:12px;flex-wrap:wrap;}

/* ============ GLOBAL BANKING (dark section) ============ */
#global-banking{
  background:linear-gradient(180deg,var(--navy-deep) 0%, var(--navy) 100%);
  color:#fff;
}
#global-banking .section-head h2, #global-banking .section-head p{color:#fff;}
#global-banking .section-head p{color:rgba(255,255,255,0.65);}
#global-banking .tabs{border-bottom:1px solid rgba(255,255,255,0.14);}
#global-banking .tab-btn{color:rgba(255,255,255,0.55);}
#global-banking .tab-btn.active{color:#fff;}
.gb-card{
  background:rgba(255,255,255,0.04);border:1px solid rgba(255,255,255,0.12);
  border-radius:20px;padding:40px;backdrop-filter:blur(6px);
}
.gb-grid{display:grid;grid-template-columns:1fr 1fr;gap:40px;}
.gb-card h3{color:#fff;font-size:26px;margin-bottom:6px;}
.gb-card .badges-row{display:flex;gap:8px;margin:14px 0 18px;flex-wrap:wrap;}
.gb-card p{color:rgba(255,255,255,0.68);}
.gb-list{list-style:none;padding:0;margin:22px 0;display:grid;grid-template-columns:1fr 1fr;gap:10px 20px;}
.gb-list li{font-size:13.5px;color:rgba(255,255,255,0.75);padding-left:18px;position:relative;}
.gb-list li::before{content:'';position:absolute;left:0;top:7px;width:6px;height:6px;background:var(--gold-light);border-radius:50%;}
.gb-req{background:rgba(0,0,0,0.2);border-radius:12px;padding:18px 20px;margin-top:20px;}
.gb-req h5{font-family:'IBM Plex Mono',monospace;font-size:11px;letter-spacing:0.08em;text-transform:uppercase;color:var(--gold-light);margin-bottom:10px;font-weight:500;}
.gb-req p{font-size:13px;color:rgba(255,255,255,0.65);}
.gb-price-line{display:flex;justify-content:space-between;align-items:center;padding:10px 0;border-bottom:1px solid rgba(255,255,255,0.1);font-size:14px;}
.gb-price-line:last-child{border-bottom:none;}
.gb-price-line .amt{font-family:'IBM Plex Mono',monospace;color:var(--gold-light);font-weight:500;}
.gb-compliance{font-size:12.5px;color:rgba(255,255,255,0.5);margin-top:20px;font-style:italic;}
.gb-cta{margin-top:26px;}

.disclaimer-box{
  margin-top:60px;background:rgba(255,255,255,0.05);border:1px solid rgba(255,255,255,0.12);
  border-radius:14px;padding:26px 30px;font-size:13px;color:rgba(255,255,255,0.6);line-height:1.7;
}

/* ============ PROCESS ============ */
.process-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:0;position:relative;}
.process-step{position:relative;padding:0 24px;}
.process-step:not(:last-child)::after{
  content:'';position:absolute;top:26px;right:-12px;width:24px;height:1px;
  background:repeating-linear-gradient(90deg,var(--gold) 0 6px, transparent 6px 10px);
}
.process-num{
  font-family:'Fraunces',serif;font-style:italic;font-size:34px;color:var(--gold);
  margin-bottom:16px;display:block;
}
.process-step h3{font-size:17px;margin-bottom:10px;}
.process-step p{font-size:14px;}

/* ============ TRUST ============ */
.trust-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:44px;}
.trust-item{display:flex;align-items:flex-start;gap:14px;padding:18px 0;}
.trust-item .check{
  width:26px;height:26px;border-radius:50%;background:var(--navy);color:var(--gold-light);
  display:flex;align-items:center;justify-content:center;flex-shrink:0;font-size:13px;
}
.trust-item span{font-size:14.5px;color:var(--ink);font-weight:500;}

/* ============ WHO WE HELP ============ */
.chip-grid{display:flex;flex-wrap:wrap;gap:14px;}
.chip{
  padding:14px 24px;border-radius:12px;background:#fff;border:1px solid var(--gray-line);
  font-size:14.5px;font-weight:500;color:var(--navy);transition:all .25s ease;
}
.chip:hover{background:var(--navy);color:#fff;border-color:var(--navy);}

/* ============ PRICING TABLE ============ */
.pricing-table{width:100%;border-collapse:collapse;background:#fff;border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow);}
.pricing-table th{
  background:var(--navy);color:#fff;text-align:left;padding:16px 22px;font-size:12.5px;
  font-family:'IBM Plex Mono',monospace;letter-spacing:0.06em;text-transform:uppercase;font-weight:500;
}
.pricing-table td{padding:16px 22px;border-bottom:1px solid var(--gray-line);font-size:14.5px;}
.pricing-table tr:last-child td{border-bottom:none;}
.pricing-table td.amt{font-family:'IBM Plex Mono',monospace;color:var(--navy);font-weight:500;}
.pricing-table tr.soon-row td{color:var(--ink-muted);font-style:italic;}
.pricing-cat-row td{background:var(--gray-bg);font-weight:600;color:var(--navy);font-family:'Inter',sans-serif;}

/* ============ FAQ ============ */
.faq-item{border-bottom:1px solid var(--gray-line);}
.faq-q{
  display:flex;justify-content:space-between;align-items:center;padding:24px 0;
  cursor:pointer;font-weight:600;font-size:16px;color:var(--navy);font-family:'Fraunces',serif;
}
.faq-icon{width:22px;height:22px;flex-shrink:0;position:relative;}
.faq-icon::before,.faq-icon::after{
  content:'';position:absolute;background:var(--gold);transition:transform .3s ease;
}
.faq-icon::before{width:100%;height:2px;top:10px;left:0;}
.faq-icon::after{width:2px;height:100%;left:10px;top:0;}
.faq-item.open .faq-icon::after{transform:rotate(90deg);}
.faq-a{max-height:0;overflow:hidden;transition:max-height .35s ease;}
.faq-item.open .faq-a{max-height:220px;}
.faq-a p{padding-bottom:24px;font-size:14.5px;max-width:800px;}

/* ============ CONTACT ============ */
#contact{background:linear-gradient(180deg,var(--navy-deep),var(--navy));color:#fff;}
.contact-grid{display:grid;grid-template-columns:0.8fr 1.2fr;gap:60px;}
#contact .section-head h2, #contact .section-head p{color:#fff;}
#contact .section-head p{color:rgba(255,255,255,0.65);}
.contact-form{background:#fff;border-radius:20px;padding:38px;box-shadow:var(--shadow-lg);}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-bottom:16px;}
.form-group{display:flex;flex-direction:column;gap:6px;margin-bottom:16px;}
.form-group label{font-size:12.5px;font-weight:600;color:var(--navy);text-transform:uppercase;letter-spacing:0.04em;}
.form-group input, .form-group select, .form-group textarea{
  padding:13px 14px;border:1px solid var(--gray-line);border-radius:9px;font-family:'Inter',sans-serif;
  font-size:14.5px;color:var(--ink);background:var(--gray-bg);transition:border-color .2s ease;
}
.form-group input:focus, .form-group select:focus, .form-group textarea:focus{
  outline:none;border-color:var(--gold);background:#fff;
}
.contact-side p{color:rgba(255,255,255,0.68);margin-bottom:28px;}
.contact-info-item{display:flex;gap:14px;align-items:flex-start;margin-bottom:22px;}
.contact-info-item .ic{width:20px;color:var(--gold-light);flex-shrink:0;margin-top:2px;}
.contact-info-item strong{display:block;color:#fff;font-size:14.5px;margin-bottom:2px;}
.contact-info-item span{font-size:13.5px;color:rgba(255,255,255,0.6);}

/* ============ FOOTER ============ */
footer{background:var(--navy-deep);color:rgba(255,255,255,0.55);padding:70px 0 30px;}
.footer-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr;gap:40px;margin-bottom:50px;}
.footer-logo{display:flex;align-items:center;gap:10px;color:#fff;font-family:'Fraunces',serif;font-weight:600;font-size:19px;margin-bottom:16px;}
footer h5{color:#fff;font-size:13px;letter-spacing:0.06em;text-transform:uppercase;font-family:'IBM Plex Mono',monospace;font-weight:500;margin-bottom:18px;}
footer ul{list-style:none;padding:0;margin:0;}
footer li{margin-bottom:12px;font-size:14px;}
footer a:hover{color:var(--gold-light);}
.footer-bottom{border-top:1px solid rgba(255,255,255,0.1);padding-top:26px;display:flex;justify-content:space-between;align-items:center;font-size:12.5px;flex-wrap:wrap;gap:12px;}
.footer-disclaimer{font-size:12px;color:rgba(255,255,255,0.4);max-width:900px;margin-bottom:26px;line-height:1.7;}

/* ============ WHATSAPP FLOAT ============ */
.float-btn{
  position:fixed;bottom:28px;right:28px;width:58px;height:58px;border-radius:50%;
  background:#25D366;display:flex;align-items:center;justify-content:center;
  box-shadow:0 12px 28px -8px rgba(37,211,102,0.55);cursor:pointer;z-index:900;transition:transform .25s ease,background .25s ease;
}
.float-btn:hover{transform:scale(1.08);background:#20BD5A;}

/* ============ COMPANY FORMATION MICROSITE EXTRAS ============ */
.jump-nav{
  display:flex;gap:10px;flex-wrap:wrap;margin-top:34px;
}
.jump-pill{
  display:flex;align-items:center;gap:8px;padding:10px 18px;border-radius:999px;
  background:rgba(255,255,255,0.08);border:1px solid rgba(255,255,255,0.18);
  color:#fff;font-size:13px;font-weight:600;transition:all .25s ease;
}
.jump-pill:hover{background:var(--gold);color:var(--navy-deep);border-color:var(--gold);}
.jump-pill .flag{font-size:15px;}

.hero-snapshot{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;}
.snap-card{
  background:rgba(255,255,255,0.07);border:1px solid rgba(255,255,255,0.16);
  border-radius:16px;padding:22px;backdrop-filter:blur(14px);transition:all .3s ease;
  position:relative;overflow:hidden;
}
.snap-card::before{content:'';position:absolute;top:0;left:0;right:0;height:3px;background:linear-gradient(90deg,var(--gold),var(--gold-light));}
.snap-card:hover{transform:translateY(-4px);border-color:var(--gold);}
.snap-card .flag{font-size:24px;margin-bottom:10px;}
.snap-card h4{color:#fff;font-size:15px;margin-bottom:6px;font-family:'Inter',sans-serif;font-weight:600;}
.snap-card .amt{font-family:'IBM Plex Mono',monospace;color:var(--gold-light);font-size:20px;font-weight:500;display:block;margin-bottom:12px;}
.snap-card a{font-size:12.5px;font-weight:600;color:rgba(255,255,255,0.7);display:inline-flex;align-items:center;gap:4px;}
.snap-card a:hover{color:var(--gold-light);}

.jurisdiction-anchor{scroll-margin-top:100px;}
.compare-note{font-size:13px;color:var(--ink-muted);margin-top:16px;}

.hero-content{position:relative;z-index:2;max-width:var(--maxw);margin:0 auto;padding:0 32px;}
.hero-content .hero-text{max-width:740px;}
.hero-content .hero-snapshot{margin-top:60px;}

.mini-crossnote{
  display:flex;align-items:center;gap:14px;background:var(--gray-bg);border-radius:14px;
  padding:20px 24px;margin-top:20px;border-left:3px solid var(--gold);
}
.mini-crossnote p{font-size:13.5px;margin:0;}
.mini-crossnote a{color:var(--navy);font-weight:600;text-decoration:underline;}

/* ============ COMPLETE BUNDLE (featured package) ============ */
#bundle{
  background:linear-gradient(180deg,var(--navy-deep) 0%, var(--navy) 55%, var(--navy-deep) 100%);
  position:relative;overflow:hidden;
}
#bundle::before{
  content:'';position:absolute;top:-20%;right:-10%;width:60%;height:140%;
  background:radial-gradient(circle, rgba(217,188,128,0.12) 0%, transparent 70%);
  pointer-events:none;
}
#bundle .section-head{position:relative;z-index:1;max-width:720px;margin-left:auto;margin-right:auto;text-align:center;}
#bundle .section-head h2, #bundle .section-head p{color:#fff;}
#bundle .section-head p{color:rgba(255,255,255,0.68);}
#bundle .eyebrow{color:var(--gold-light);}

.bundle-card{
  position:relative;z-index:1;max-width:980px;margin:0 auto;
  background:rgba(255,255,255,0.06);border:1px solid rgba(217,188,128,0.35);
  border-radius:26px;backdrop-filter:blur(18px);overflow:hidden;
  box-shadow:0 40px 90px -30px rgba(0,0,0,0.55);
}
.bundle-ribbon{
  background:linear-gradient(90deg,var(--gold),var(--gold-light));
  color:var(--navy-deep);text-align:center;padding:10px 20px;
  font-family:'IBM Plex Mono',monospace;font-size:11.5px;font-weight:600;
  letter-spacing:0.1em;text-transform:uppercase;
}
.bundle-body{padding:48px;display:grid;grid-template-columns:1.3fr 1fr;gap:48px;align-items:start;}
.bundle-heading h3{color:#fff;font-size:clamp(24px,3vw,32px);margin-bottom:10px;}
.bundle-heading p{color:rgba(255,255,255,0.68);font-size:15px;margin-bottom:8px;}
.bundle-items{list-style:none;padding:0;margin:28px 0 0;display:flex;flex-direction:column;gap:16px;}
.bundle-items li{
  display:flex;align-items:flex-start;gap:14px;padding-bottom:16px;
  border-bottom:1px solid rgba(255,255,255,0.1);
}
.bundle-items li:last-child{border-bottom:none;padding-bottom:0;}
.bundle-item-icon{
  width:36px;height:36px;border-radius:10px;background:rgba(217,188,128,0.15);
  display:flex;align-items:center;justify-content:center;font-size:16px;flex-shrink:0;
}
.bundle-item-text strong{display:block;color:#fff;font-size:15px;margin-bottom:3px;font-family:'Fraunces',serif;font-weight:500;}
.bundle-item-text span{font-size:13px;color:rgba(255,255,255,0.6);line-height:1.55;}

.bundle-price-box{
  background:rgba(0,0,0,0.22);border:1px solid rgba(255,255,255,0.12);
  border-radius:20px;padding:36px 32px;text-align:center;position:sticky;top:120px;
}
.bundle-price-box .label{
  font-family:'IBM Plex Mono',monospace;font-size:11.5px;letter-spacing:0.1em;text-transform:uppercase;
  color:var(--gold-light);margin-bottom:14px;display:block;
}
.bundle-price-box .amt{
  font-family:'IBM Plex Mono',monospace;color:#fff;font-size:46px;font-weight:500;
  display:block;line-height:1;margin-bottom:6px;
}
.bundle-price-box .amt-sub{font-size:12.5px;color:rgba(255,255,255,0.55);margin-bottom:26px;display:block;}
.bundle-price-box .btn{width:100%;margin-bottom:14px;}
.bundle-price-box .fine{font-size:11.5px;color:rgba(255,255,255,0.45);line-height:1.6;}
.bundle-includes-note{
  margin-top:20px;padding-top:20px;border-top:1px dashed rgba(255,255,255,0.15);
  text-align:left;
}
.bundle-includes-note h6{
  font-family:'IBM Plex Mono',monospace;font-size:10.5px;letter-spacing:0.08em;text-transform:uppercase;
  color:var(--gold-light);margin-bottom:10px;font-weight:500;
}
.bundle-includes-note ul{list-style:none;padding:0;margin:0;}
.bundle-includes-note li{font-size:12px;color:rgba(255,255,255,0.6);padding-left:16px;position:relative;margin-bottom:6px;}
.bundle-includes-note li::before{content:'\2713';position:absolute;left:0;color:var(--gold-light);font-size:10px;top:2px;}

.bundle-compliance{
  position:relative;z-index:1;max-width:980px;margin:24px auto 0;text-align:center;
  font-size:12px;color:rgba(255,255,255,0.45);line-height:1.7;
}

/* ============ HERO PRICE BADGE ============ */
.hero-price-badge{
  display:inline-flex;flex-direction:column;align-items:center;gap:4px;
  background:rgba(217,188,128,0.12);border:1.5px solid var(--gold);border-radius:20px;
  padding:22px 40px;margin:26px 0;
}
.hpb-label{
  font-family:'IBM Plex Mono',monospace;font-size:11.5px;letter-spacing:0.12em;text-transform:uppercase;
  color:var(--gold-light);font-weight:500;
}
.hpb-amt{
  font-family:'IBM Plex Mono',monospace;color:#fff;font-size:56px;font-weight:600;line-height:1.1;
}
.hpb-sub{font-size:13px;color:rgba(255,255,255,0.6);}

/* ============ WHAT YOU GET — FLASH CARDS ============ */
.flash-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;}
.flash-card{
  background:#fff;border:1px solid var(--gray-line);border-radius:18px;
  padding:28px 20px;text-align:center;transition:all .3s ease;
}
.flash-card:hover{transform:translateY(-6px);box-shadow:var(--shadow-lg);border-color:var(--gold);}
.flash-icon{
  width:56px;height:56px;border-radius:50%;background:var(--gray-bg);
  display:flex;align-items:center;justify-content:center;font-size:26px;margin:0 auto 16px;
}
.flash-card h4{font-size:16px;margin-bottom:8px;}
.flash-card p{font-size:13px;line-height:1.55;}
.flash-cta{
  display:flex;align-items:center;justify-content:center;gap:20px;flex-wrap:wrap;
  margin-top:44px;padding:28px;background:var(--gray-bg);border-radius:18px;
}
.flash-cta span{font-size:16px;color:var(--ink);}
.flash-cta .amt{color:var(--navy);font-size:20px;}

/* ============ WHAT YOU CAN DO — BENEFITS ============ */
.benefit-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;}
.benefit-item{
  display:flex;align-items:center;gap:16px;background:#fff;border:1px solid var(--gray-line);
  border-radius:16px;padding:22px 24px;transition:all .3s ease;
}
.benefit-item:hover{border-color:var(--gold);transform:translateY(-3px);box-shadow:var(--shadow);}
.benefit-icon{font-size:26px;flex-shrink:0;}
.benefit-item span:last-child{font-size:15px;font-weight:600;color:var(--navy);font-family:'Fraunces',serif;}

/* ============ WHERE IT WORKS STRIP ============ */
.where-strip{background:var(--navy);padding:60px 0;}
.where-strip-inner{display:flex;justify-content:space-between;align-items:center;gap:32px;flex-wrap:wrap;}
.where-strip-inner .eyebrow{color:var(--gold-light);}
.where-strip-inner h3{color:#fff;font-size:clamp(19px,2.4vw,24px);max-width:560px;}
.where-strip-inner .jump-nav{flex-wrap:nowrap;}

@media (max-width:980px){
  .benefit-grid{grid-template-columns:1fr 1fr;}
  .where-strip-inner{flex-direction:column;align-items:flex-start;text-align:left;}
}
@media (max-width:760px){
  .flash-grid{grid-template-columns:1fr 1fr;}
  .hpb-amt{font-size:44px;}
  .hero-price-badge{padding:18px 28px;}
}
@media (max-width:560px){
  .flash-grid{grid-template-columns:1fr;}
  .benefit-grid{grid-template-columns:1fr;}
  .flash-cta{flex-direction:column;text-align:center;}
  .where-strip-inner .jump-nav{flex-wrap:wrap;}
}

/* ============ LEGAL PAGES ============ */
.legal-header{
  background:linear-gradient(180deg,var(--navy-deep) 0%, var(--navy) 100%);
  padding:160px 0 60px;color:#fff;
}
.legal-header .wrap{max-width:820px;}
.legal-header .eyebrow{color:var(--gold-light);}
.legal-header h1{color:#fff;font-size:clamp(30px,4vw,44px);margin-bottom:14px;}
.legal-updated{font-size:13px;color:rgba(255,255,255,0.55);font-family:'IBM Plex Mono',monospace;}

.legal-content{max-width:820px;margin:0 auto;padding:70px 0;}
.legal-toc{
  background:var(--gray-bg);border-radius:16px;padding:28px 30px;margin-bottom:48px;
}
.legal-toc h4{
  font-family:'IBM Plex Mono',monospace;font-size:11.5px;letter-spacing:0.1em;text-transform:uppercase;
  color:var(--gold);margin-bottom:14px;font-weight:500;
}
.legal-toc ol{margin:0;padding-left:20px;columns:2;column-gap:24px;}
.legal-toc li{font-size:13.5px;margin-bottom:8px;}
.legal-toc a{color:var(--navy);font-weight:600;}
.legal-toc a:hover{color:var(--gold-dark, var(--gold));}

.legal-content h2{
  font-size:22px;margin-top:44px;margin-bottom:14px;padding-top:8px;scroll-margin-top:100px;
  border-top:1px solid var(--gray-line);padding-top:32px;
}
.legal-content h2:first-of-type{border-top:none;padding-top:0;margin-top:0;}
.legal-content h3{font-size:16px;margin-top:22px;margin-bottom:10px;color:var(--navy);}
.legal-content p{font-size:15px;line-height:1.8;margin-bottom:14px;color:var(--ink-muted);}
.legal-content ul, .legal-content ol.legal-list{margin:0 0 16px;padding-left:22px;}
.legal-content li{font-size:15px;line-height:1.75;color:var(--ink-muted);margin-bottom:8px;}
.legal-content strong{color:var(--ink);}
.legal-notice{
  background:var(--gray-bg);border-left:3px solid var(--gold);border-radius:10px;
  padding:18px 22px;font-size:13.5px;color:var(--ink-muted);margin:0 0 40px;line-height:1.7;
}
.legal-contact-box{
  background:var(--navy);color:#fff;border-radius:16px;padding:30px 32px;margin-top:40px;
}
.legal-contact-box h3{color:#fff;margin-top:0;}
.legal-contact-box p{color:rgba(255,255,255,0.7);}
.legal-contact-box a{color:var(--gold-light);font-weight:600;}

@media (max-width:640px){
  .legal-header{padding:140px 0 44px;}
  .legal-content{padding:48px 0;}
  .legal-toc ol{columns:1;}
}
.review-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;}
.review-card{
  background:#fff;border:1px solid var(--gray-line);border-radius:18px;
  padding:28px 26px;transition:all .3s ease;display:flex;flex-direction:column;
}
.review-card:hover{transform:translateY(-5px);box-shadow:var(--shadow-lg);border-color:var(--gold);}
.review-stars{color:var(--gold);font-size:16px;letter-spacing:2px;margin-bottom:14px;}
.review-quote{font-family:'Fraunces',serif;font-style:italic;font-size:15.5px;color:var(--ink);line-height:1.6;flex-grow:1;margin-bottom:18px;}
.review-author{display:flex;align-items:center;gap:12px;}
.review-avatar{
  width:38px;height:38px;border-radius:50%;background:var(--navy);color:var(--gold-light);
  display:flex;align-items:center;justify-content:center;font-family:'Fraunces',serif;font-weight:600;font-size:14px;flex-shrink:0;
}
.review-author strong{display:block;font-size:13.5px;color:var(--navy);font-family:'Inter',sans-serif;}
.review-author span{font-size:12px;color:var(--ink-muted);}
.review-note{text-align:center;font-size:12px;color:var(--ink-muted);margin-top:28px;font-style:italic;}

@media (max-width:900px){
  .review-grid{grid-template-columns:1fr 1fr;}
}
@media (max-width:560px){
  .review-grid{grid-template-columns:1fr;}
}

@media (max-width:900px){
  .bundle-body{grid-template-columns:1fr;padding:32px 28px;}
  .bundle-price-box{position:static;}
}
@media (max-width:560px){
  .bundle-body{padding:26px 20px;}
  .bundle-price-box .amt{font-size:38px;}
}

@media (max-width:760px){
  .hero-snapshot{grid-template-columns:1fr;}
  .jump-nav{gap:8px;}
}

/* ============ RESPONSIVE ============ */
@media (max-width:1180px){
  .nav-links{gap:22px;}
  .nav-links a{font-size:13.5px;}
  .nav-cta .btn{padding:10px 18px;font-size:13px;}
}
@media (max-width:1080px){
  .wrap{padding:0 24px;}
  .nav-inner{padding:0 24px;}
  .nav-links,.nav-cta .btn-outline{display:none;}
  .hamburger{display:flex;}
  .hero-inner{grid-template-columns:1fr;padding:0 24px;text-align:center;}
  .hero-text{margin:0 auto;}
  .hero-text p{max-width:520px;margin-left:auto;margin-right:auto;}
  .hero-ctas{justify-content:center;}
  .trust-badges{justify-content:center;}
  .hero-widget{max-width:480px;margin:0 auto;width:100%;}
  #globe-canvas{width:100%;height:65%;opacity:0.18;}
}
@media (max-width:980px){
  .hero-snapshot{grid-template-columns:1fr 1fr;}
  section{padding:90px 0;}
  .grid-4{grid-template-columns:repeat(2,1fr);}
  .grid-3{grid-template-columns:repeat(2,1fr);}
  .grid-2{grid-template-columns:1fr;gap:20px;}
  .process-grid{grid-template-columns:1fr 1fr;gap:36px 24px;}
  .process-step::after{display:none;}
  .gb-grid{grid-template-columns:1fr;gap:24px;}
  .gb-list{grid-template-columns:1fr 1fr;}
  .contact-grid{grid-template-columns:1fr;gap:40px;}
  .footer-grid{grid-template-columns:1fr 1fr;gap:32px;}
  .trust-grid{grid-template-columns:1fr 1fr;}
  .bank-grid{grid-template-columns:repeat(auto-fill,minmax(200px,1fr));}
  .dive-cols{grid-template-columns:1fr 1fr;}
  .dive-panel{padding:36px 28px;}
  .banking-layout{grid-template-columns:1fr;gap:20px;}
  #bank-tabs.tabs{
    flex-direction:row;overflow-x:auto;position:static;
    -webkit-overflow-scrolling:touch;padding:6px;
  }
  #bank-tabs .tab-btn{white-space:nowrap;}
  .bank-requirements .dive-list{columns:1;}
}
@media (max-width:760px){
  .wrap,.hero-inner{padding:0 20px;}
  .nav-inner{padding:0 20px;}
  section{padding:72px 0;}
  .section-head{margin-bottom:40px;}
  .grid-4,.grid-3{grid-template-columns:1fr 1fr;gap:16px;}
  .process-grid{grid-template-columns:1fr;gap:30px;}
  .trust-grid{grid-template-columns:1fr;gap:6px;}
  .footer-grid{grid-template-columns:1fr 1fr;gap:28px 20px;}
  .gb-list{grid-template-columns:1fr;}
  .form-row{grid-template-columns:1fr;gap:0;}
  .hero-widget-body{grid-template-columns:112px 1fr;}
  .hero-widget-tabs .htab{font-size:11.5px;padding:0 8px;gap:6px;}
  #globe-canvas{width:135%;height:55%;opacity:0.16;}
  .hero-text h1{font-size:clamp(28px,7vw,40px);}
}
@media (max-width:560px){
  section{padding:60px 0;}
  .wrap,.hero-inner,.nav-inner{padding:0 18px;}
  .logo{font-size:16px;gap:8px;}
  .logo-mark{width:30px;height:30px;font-size:11px;}
  .nav-cta{gap:10px;}
  .nav-cta .btn{padding:9px 14px;font-size:12.5px;}
  #hero{padding-top:100px;padding-bottom:60px;min-height:auto;}
  .hero-text p{font-size:15px;}
  .hero-ctas{flex-direction:column;align-items:stretch;gap:12px;}
  .hero-ctas .btn{width:100%;}
  .trust-badges{flex-direction:column;gap:14px;margin-top:36px;padding-top:24px;}
  .hero-widget-body{grid-template-columns:1fr;}
  .hero-widget-tabs{flex-direction:row;overflow-x:auto;border-right:none;border-bottom:1px solid rgba(255,255,255,0.1);}
  .hero-widget-tabs .htab{white-space:nowrap;}
  #globe-canvas{width:180%;height:48%;opacity:0.14;}
  .grid-4,.grid-3,.grid-2,.footer-grid{grid-template-columns:1fr;}
  .card,.price-card,.gb-card{padding:26px 22px;}
  .dive-panel{padding:26px 20px;border-radius:16px;}
  .dive-cols{grid-template-columns:1fr;gap:26px;}
  .dive-renewal{flex-direction:column;align-items:flex-start;text-align:left;}
  .dive-footer{flex-direction:column;align-items:flex-start;}
  .dive-footer .btn{width:100%;}
  .section-head h2{font-size:clamp(24px,7vw,30px);}
  .tabs{gap:2px;overflow-x:auto;flex-wrap:nowrap;-webkit-overflow-scrolling:touch;}
  .tab-btn{padding:12px 14px;font-size:13px;white-space:nowrap;}
  .bank-grid{grid-template-columns:repeat(auto-fill,minmax(150px,1fr));gap:12px;}
  .bank-card{padding:16px;}
  .process-num{font-size:28px;}
  .pricing-table th,.pricing-table td{padding:12px 14px;font-size:13px;}
  .contact-form{padding:26px 20px;}
  .chip{padding:11px 18px;font-size:13.5px;}
  .footer-bottom{flex-direction:column;align-items:flex-start;gap:8px;}
  .float-btn{width:50px;height:50px;bottom:18px;right:18px;}
  .disclaimer-box,.note-box{padding:18px 20px;font-size:12.5px;}
}
@media (max-width:380px){
  .logo-text{display:none;}
  .hero-text h1{font-size:26px;}
  .eyebrow{font-size:11px;}
  .card-num{display:none;}
  .gb-list{gap:8px;}
}
@media (prefers-reduced-motion: reduce){
  .reveal{transition:none;opacity:1;transform:none;}
  html{scroll-behavior:auto;}
}