/* =====================================================================
   Visaya Capital — PRECISION_GRID_MINIMAL
   White / cool-grey base, deep navy ink, restrained turquoise accent,
   strict 12-column modular grid, hairline rules, tabular numerals,
   small exact radius, flat-precision cards, minimal motion.
   ===================================================================== */

:root {
    --bg: #FEFEFD;
    --surface: #F3F5F7;
    --surface-2: #E8ECEF;
    --border: #D8DEE4;
    --border-strong: #C7CFD6;
    --text: #152238;
    --muted: #5A6B80;
    --muted-2: #8B98A8;
    --accent: #0E8A94;
    --accent-hover: #0A666E;
    --accent-tint: #E2F1F2;
    --accent-tint-2: #F1F8F8;
    --navy: #152238;
    --navy-2: #1E3049;
    --error: #C0392B;

    --font: "Segoe UI", system-ui, -apple-system, Arial, sans-serif;

    --radius-sm: 6px;
    --radius: 8px;
    --radius-lg: 12px;

    --shadow-sm: 0 1px 2px rgba(21, 34, 56, 0.05);
    --shadow-md: 0 1px 2px rgba(21, 34, 56, 0.05), 0 8px 24px rgba(21, 34, 56, 0.07);
    --shadow-lg: 0 2px 4px rgba(21, 34, 56, 0.06), 0 16px 40px rgba(21, 34, 56, 0.12);

    --container: 1200px;
    --gutter: clamp(16px, 4vw, 40px);
    --ease: cubic-bezier(0.2, 0.6, 0.2, 1);
}

/* ---------- Reset-ish base ---------- */
*, *::before, *::after { box-sizing: border-box; }

html { scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } }

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

img, svg, iframe, video, canvas { max-width: 100%; }

.icon { display: inline-flex; flex-shrink: 0; vertical-align: -0.15em; }

/* screen-reader-only value labels (compare table icon cells) */
.visually-hidden-value {
    position: absolute;
    width: 1px;
    height: 1px;
    margin: -1px;
    padding: 0;
    overflow: hidden;
    clip: rect(0 0 0 0);
    white-space: nowrap;
    border: 0;
}

h1, h2, h3, h4 { font-weight: 700; line-height: 1.22; color: var(--text); margin: 0 0 0.6em; }
h1 { font-size: clamp(1.9rem, 1.15rem + 2.4vw, 2.75rem); letter-spacing: -0.01em; }
h2 { font-size: clamp(1.45rem, 1.1rem + 1.2vw, 2rem); letter-spacing: -0.005em; }
h3 { font-size: 1.12rem; }
h4 { font-size: 1rem; }
p { margin: 0 0 1em; }
ul, ol { margin: 0 0 1em; padding-left: 1.3em; }
li { margin-bottom: 0.4em; }
a { color: var(--accent-hover); text-decoration: none; }
a:hover { color: var(--accent); }
strong { font-weight: 600; }

::selection { background: var(--accent-tint); color: var(--text); }

:focus-visible {
    outline: 2px solid var(--accent);
    outline-offset: 2px;
    border-radius: 2px;
}

/* ---------- Layout primitives ---------- */
.container {
    width: 100%;
    max-width: var(--container);
    margin-inline: auto;
    padding-inline: var(--gutter);
}

.section {
    padding-block: clamp(56px, 7vw, 88px);
    position: relative;
}

.section--tint {
    background:
        radial-gradient(1100px 420px at 88% -10%, rgba(14, 138, 148, 0.05), transparent 62%),
        var(--surface);
    border-block: 1px solid var(--border);
}

.section--warm {
    background:
        radial-gradient(900px 380px at 8% 0%, rgba(14, 138, 148, 0.06), transparent 60%),
        var(--accent-tint-2);
    border-block: 1px solid #D6E7E8;
}

/* faint graph-paper texture for alternating bands */
.section--grid-tex {
    background-image:
        radial-gradient(rgba(21, 34, 56, 0.035) 1px, transparent 1.4px);
    background-size: 26px 26px;
}

.section-head { max-width: 760px; margin-bottom: clamp(28px, 4vw, 44px); }
.section-head--center { margin-inline: auto; text-align: center; }

.eyebrow {
    display: inline-block;
    font-size: 11px;
    font-weight: 600;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    color: var(--accent-hover);
    margin: 0 0 10px;
    font-variant-numeric: tabular-nums;
}

.lead {
    font-size: 1.075rem;
    color: var(--muted);
    max-width: 62ch;
}

.prose { max-width: 76ch; }
.prose h2 { margin-top: 1.6em; }
.prose h3 { margin-top: 1.4em; }
.prose p, .prose li { color: var(--muted); }
.prose strong { color: var(--text); }

.mt-2 { margin-top: 0.5rem; }
.mt-4 { margin-top: 1rem; }

.note {
    font-size: 0.875rem;
    color: var(--muted);
    background: var(--surface);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    padding: 12px 16px;
}

.text-center { text-align: center; }

/* ---------- Buttons ---------- */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    height: 46px;
    padding: 0 22px;
    font-family: var(--font);
    font-size: 0.95rem;
    font-weight: 600;
    border-radius: var(--radius);
    border: 1px solid transparent;
    cursor: pointer;
    white-space: nowrap;
    transition: background-color 0.15s var(--ease), color 0.15s var(--ease),
        border-color 0.15s var(--ease), transform 0.15s var(--ease), box-shadow 0.15s var(--ease);
}

.btn-primary {
    background: var(--accent);
    color: #FFFFFF;
    box-shadow: var(--shadow-sm);
}
.btn-primary:hover {
    background: var(--accent-hover);
    color: #FFFFFF;
    transform: translateY(-1px);
    box-shadow: var(--shadow-md);
}
.btn-primary:active { transform: none; box-shadow: var(--shadow-sm); }

.btn-secondary {
    background: transparent;
    color: var(--accent-hover);
    border-color: var(--accent);
}
.btn-secondary:hover {
    background: var(--accent-tint);
    color: var(--accent-hover);
    border-color: var(--accent-hover);
}

.btn-block { display: flex; width: 100%; }

/* ---------- Skip link ---------- */
.skip-link {
    position: absolute;
    left: 12px;
    top: -56px;
    z-index: 200;
    background: var(--navy);
    color: #FFFFFF;
    padding: 10px 18px;
    border-radius: var(--radius);
    font-size: 0.9rem;
    transition: top 0.15s var(--ease);
}
.skip-link:focus { top: 12px; color: #FFFFFF; }

/* ---------- Header ---------- */
.site-header {
    position: sticky;
    top: 0;
    z-index: 120;
    background: rgba(254, 254, 253, 0.94);
    backdrop-filter: blur(8px);
    border-bottom: 1px solid var(--border);
    transition: box-shadow 0.18s var(--ease);
}
.site-header.is-scrolled { box-shadow: var(--shadow-md); }

.header-inner {
    display: flex;
    align-items: center;
    gap: clamp(14px, 2.5vw, 34px);
    min-height: 68px;
}

.brand {
    display: inline-flex;
    align-items: center;
    flex-shrink: 0;
}
.brand svg { display: block; height: 34px; width: auto; }
.brand-footer svg { height: 36px; }

.site-nav { margin-inline-start: auto; }
.nav-list {
    display: flex;
    align-items: center;
    gap: 4px;
    list-style: none;
    margin: 0;
    padding: 0;
}

.nav-item { position: relative; }

.nav-link {
    display: inline-flex;
    align-items: center;
    gap: 5px;
    padding: 9px 12px;
    font-size: 0.92rem;
    font-weight: 600;
    color: var(--text);
    background: none;
    border: 0;
    border-radius: var(--radius-sm);
    font-family: var(--font);
    cursor: pointer;
    transition: background-color 0.15s var(--ease), color 0.15s var(--ease);
}
.nav-link:hover { background: var(--surface); color: var(--accent-hover); }
.nav-link .icon { transition: transform 0.15s var(--ease); }
.nav-toggle { font-size: 0.92rem; }
.has-dropdown.is-open .nav-link .icon { transform: rotate(180deg); }

/* Dropdown: real surface with caret, 150ms fade + rise */
.dropdown {
    position: absolute;
    top: calc(100% + 8px);
    left: 0;
    min-width: 264px;
    max-width: 320px;
    background: var(--bg);
    border: 1px solid var(--border);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-md);
    padding: 8px;
    opacity: 0;
    visibility: hidden;
    transform: translateY(4px);
    transition: opacity 0.15s var(--ease), transform 0.15s var(--ease), visibility 0.15s;
    z-index: 130;
}
.dropdown::before {
    content: "";
    position: absolute;
    top: -5px;
    left: 22px;
    width: 9px;
    height: 9px;
    background: var(--bg);
    border-left: 1px solid var(--border);
    border-top: 1px solid var(--border);
    transform: rotate(45deg);
}
.has-dropdown.is-open .dropdown,
.has-dropdown:hover .dropdown,
.has-dropdown:focus-within .dropdown {
    opacity: 1;
    visibility: visible;
    transform: translateY(0);
}
/* keep the last menu inside the viewport */
.nav-item:last-of-type .dropdown { left: auto; right: 0; }
.nav-item:last-of-type .dropdown::before { left: auto; right: 22px; }

.dropdown-list { list-style: none; margin: 0; padding: 0; }
.dropdown-link {
    display: block;
    padding: 10px 12px;
    border-radius: var(--radius-sm);
    font-size: 0.9rem;
    color: var(--text);
    transition: background-color 0.13s var(--ease), color 0.13s var(--ease);
}
.dropdown-link:hover { background: var(--accent-tint); color: var(--accent-hover); }
.dropdown-link.is-active {
    background: var(--accent-tint);
    color: var(--accent-hover);
    font-weight: 600;
}

.btn-header { flex-shrink: 0; height: 42px; padding: 0 18px; font-size: 0.9rem; }
.header-cta-icon { display: inline-flex; }

/* Burger */
.nav-burger {
    display: none;
    background: none;
    border: 1px solid var(--border);
    border-radius: var(--radius-sm);
    padding: 8px;
    color: var(--text);
    cursor: pointer;
}
.burger-close { display: none; }
.nav-burger[aria-expanded="true"] .burger-open { display: none; }
.nav-burger[aria-expanded="true"] .burger-close { display: inline-flex; }

/* Mobile nav */
.mobile-nav {
    border-top: 1px solid var(--border);
    background: var(--bg);
    padding: 18px 0 26px;
    box-shadow: var(--shadow-md);
    max-height: calc(100vh - 68px);
    overflow-y: auto;
}
.mobile-nav__group { border-bottom: 1px solid var(--border); }
.mobile-nav__heading {
    display: flex;
    align-items: center;
    justify-content: space-between;
    width: 100%;
    padding: 13px 2px;
    background: none;
    border: 0;
    font-family: var(--font);
    font-size: 0.95rem;
    font-weight: 700;
    color: var(--text);
    cursor: pointer;
}
.mobile-nav__list { list-style: none; margin: 0 0 10px; padding: 0 2px; }
.mobile-nav__link {
    display: block;
    padding: 9px 10px;
    font-size: 0.92rem;
    color: var(--muted);
    border-left: 2px solid var(--border);
    margin-bottom: 2px;
}
.mobile-nav__link:hover, .mobile-nav__link.is-active { color: var(--accent-hover); border-left-color: var(--accent); }
.mobile-nav .btn { margin-top: 18px; }

/* ---------- Ticker row (beacon-injected) ---------- */
.beacon-ticker-row { scrollbar-width: thin; }

/* ---------- Hero ---------- */
.hero {
    position: relative;
    overflow: hidden;
    border-bottom: 1px solid var(--border);
    padding-block: clamp(44px, 6vw, 80px) clamp(36px, 5vw, 64px);
}

.hero__bg {
    position: absolute;
    inset: 0;
    z-index: 0;
    pointer-events: none;
    background-image:
        radial-gradient(900px 480px at 86% -8%, rgba(14, 138, 148, 0.08), transparent 60%),
        radial-gradient(700px 420px at -6% 108%, rgba(21, 34, 56, 0.05), transparent 58%);
}
.hero__bg::after {
    content: "";
    position: absolute;
    inset: 0;
    background: url("/assets/images/hero.svg") center / cover no-repeat;
    opacity: 0.9;
    transform: translate3d(var(--crypto-x, 0), var(--crypto-y, 0), 0);
}

.hero .container { position: relative; z-index: 1; }

/* strict 12-column modular grid */
.hero-grid {
    display: grid;
    grid-template-columns: repeat(12, 1fr);
    column-gap: clamp(20px, 3vw, 36px);
    align-items: start;
}

.hero-copy { grid-column: 1 / 8; }

.hero-rule {
    width: 56px;
    height: 3px;
    background: var(--accent);
    margin: 18px 0 20px;
    border-radius: 2px;
}

.hero-sub {
    font-size: 1.075rem;
    color: var(--muted);
    max-width: 56ch;
}

/* offices flags + trust links: precise inline list */
.hero-trust {
    display: flex;
    flex-wrap: wrap;
    align-items: center;
    gap: 10px 18px;
    margin-top: 24px;
}

.offices { display: inline-flex; align-items: center; flex-wrap: wrap; gap: 8px; }
.offices__label,
.offices > span.offices__text {
    font-size: 0.845rem;
    color: var(--muted);
    margin-right: 2px;
}
.flag-chip {
    display: inline-flex;
    align-items: center;
    gap: 7px;
    padding: 4px 12px 4px 8px;
    background: var(--surface);
    border: 1px solid var(--border);
    border-radius: 999px;
    font-size: 0.82rem;
    font-weight: 600;
    color: var(--text);
    font-variant-numeric: tabular-nums;
}
.flag-dot {
    width: 16px;
    height: 16px;
    border-radius: 50%;
    display: inline-block;
    border: 1px solid rgba(21, 34, 56, 0.12);
    background: conic-gradient(from 0deg, #0038A8 0 50%, #CE1126 50% 100%);
}
.flag-dot--ca { background: conic-gradient(from 180deg, #D80621 0 25%, #FFFFFF 25% 50%, #D80621 50% 75%, #FFFFFF 75% 100%); }
.flag-dot--jp { background: #FFFFFF; position: relative; }
.flag-dot--jp::after {
    content: "";
    position: absolute;
    inset: 0;
    margin: auto;
    width: 9px;
    height: 9px;
    border-radius: 50%;
    background: #BC002D;
}

.trust-link {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    font-size: 0.875rem;
    font-weight: 600;
    color: var(--text);
    padding: 7px 12px;
    border: 1px solid var(--border);
    border-radius: var(--radius);
    background: var(--bg);
    box-shadow: var(--shadow-sm);
    transition: border-color 0.15s var(--ease), color 0.15s var(--ease), transform 0.15s var(--ease);
}
.trust-link .icon { color: var(--accent); }
.trust-link:hover {
    border-color: rgba(14, 138, 148, 0.4);
    color: var(--accent-hover);
    transform: translateY(-1px);
}

/* form module: white, 1px border, flush to the grid */
.hero-form { grid-column: 8 / 13; }

.hero-meta {
    display: flex;
    flex-wrap: wrap;
    gap: 8px 22px;
    margin-top: 14px;
    padding-top: 14px;
    border-top: 1px solid var(--border);
    font-size: 0.82rem;
    color: var(--muted);
    font-variant-numeric: tabular-nums;
}
.hero-meta strong { color: var(--text); font-weight: 600; }

/* data strip: tabular stats + sparklines, hairline dividers */
.hero-strip {
    margin-top: clamp(30px, 4vw, 46px);
    border: 1px solid var(--border);
    border-radius: var(--radius-lg);
    background: rgba(254, 254, 253, 0.92);
    box-shadow: var(--shadow-sm);
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    overflow: hidden;
}
.hero-strip__cell {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 16px;
    padding: 16px 22px;
    border-left: 1px solid var(--border);
}
.hero-strip__cell:first-child { border-left: 0; }
.hero-strip__label {
    font-size: 11px;
    font-weight: 600;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    color: var(--muted);
    margin: 0 0 3px;
}
.hero-strip__value {
    font-size: 1.22rem;
    font-weight: 700;
    color: var(--text);
    font-variant-numeric: tabular-nums;
    line-height: 1.1;
    margin: 0;
}
.hero-strip__value small { font-size: 0.72rem; font-weight: 600; color: var(--muted); margin-left: 4px; }
.spark { display: block; flex-shrink: 0; }
.spark polyline { fill: none; stroke: var(--accent); stroke-width: 1.5; }
.spark line { stroke: var(--border-strong); stroke-width: 1; }

/* ---------- Form block (formFactory wrapper) ---------- */
.form-block {
    background: var(--bg);
    border: 1px solid var(--border);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-md);
    padding: clamp(20px, 3vw, 30px);
}

.form-block--extra { box-shadow: var(--shadow-sm); }

.form-block__heading {
    font-size: 0.83rem;
    font-weight: 700;
    letter-spacing: 0.05em;
    text-transform: uppercase;
    color: var(--accent-hover);
    margin: 0 0 14px;
    padding-bottom: 12px;
    border-bottom: 1px solid var(--border);
}

.form-block__intro { font-size: 0.92rem; color: var(--muted); margin: -4px 0 12px; }

.form-note {
    font-size: 0.84rem;
    color: var(--text);
    font-weight: 600;
    margin: 12px 0 0;
    display: flex;
    align-items: center;
    gap: 7px;
    font-variant-numeric: tabular-nums;
}
.form-note .icon { color: var(--accent); flex-shrink: 0; }

.form-legal { font-size: 0.78rem; color: var(--muted); margin: 8px 0 0; }
.form-legal a { text-decoration: underline; text-underline-offset: 2px; }

.form-card {
    background: var(--surface);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    padding: 18px 20px;
}

/* formFactory inputs: exact flat-precision styling */
.bff__label { color: var(--text); }
.bff__input {
    border: 1px solid var(--border-strong);
    border-radius: var(--radius-sm);
    background: #FFFFFF;
    color: var(--text);
    font-variant-numeric: tabular-nums;
    transition: border-color 0.15s var(--ease), box-shadow 0.15s var(--ease);
}
.bff__input:hover { border-color: var(--muted-2); }
.bff__submit { border-radius: var(--radius-sm); font-weight: 700; letter-spacing: 0.01em; }

/* ---------- Home blocks ---------- */
.exchanges { padding-block: clamp(30px, 4vw, 44px); }
.exchanges__label {
    font-size: 11px;
    font-weight: 600;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    color: var(--muted);
    text-align: center;
    margin-bottom: 16px;
}
.exchanges__row {
    display: flex;
    flex-wrap: wrap;
    justify-content: center;
    gap: 10px 12px;
}
.exchange-chip {
    display: inline-flex;
    align-items: center;
    padding: 9px 22px;
    border: 1px solid var(--border);
    border-radius: 999px;
    background: var(--bg);
    font-family: var(--font);
    font-size: 0.95rem;
    font-weight: 700;
    letter-spacing: 0.02em;
    color: var(--muted);
    font-variant-numeric: tabular-nums;
    transition: color 0.15s var(--ease), border-color 0.15s var(--ease), transform 0.15s var(--ease);
}
.exchange-chip:hover { color: var(--text); border-color: rgba(14, 138, 148, 0.4); transform: translateY(-1px); }

/* calculator */
.calc-section .container { max-width: 1080px; }
.calc-section__grid {
    display: grid;
    grid-template-columns: minmax(0, 7fr) minmax(0, 5fr);
    gap: clamp(24px, 4vw, 48px);
    align-items: start;
}
.calc-section__art { margin: 0; }
.calc-section__art img, .calc-section__art svg {
    width: 100%;
    height: auto;
    border: 1px solid var(--border);
    border-radius: var(--radius-lg);
    background: var(--bg);
    box-shadow: var(--shadow-sm);
}
.calc-wrap { margin-top: 8px; }

/* steps */
.steps {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 0;
    border: 1px solid var(--border);
    border-radius: var(--radius-lg);
    overflow: hidden;
    background: var(--bg);
    box-shadow: var(--shadow-sm);
}
.step {
    padding: 24px 22px 26px;
    border-left: 1px solid var(--border);
    display: flex;
    flex-direction: column;
    gap: 10px;
}
.step:first-child { border-left: 0; }
.step__num {
    width: 28px;
    height: 28px;
    border-radius: 50%;
    background: var(--accent);
    color: #FFFFFF;
    font-size: 0.84rem;
    font-weight: 700;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    font-variant-numeric: tabular-nums;
    flex-shrink: 0;
}
.step h3 { font-size: 1.02rem; margin: 2px 0 0; }
.step p { font-size: 0.9rem; color: var(--muted); margin: 0; }

/* comparison */
.compare-wrap { max-width: 880px; margin-inline: auto; }
.compare {
    width: 100%;
    border-collapse: collapse;
    border: 1px solid var(--border);
    border-radius: var(--radius-lg);
    overflow: hidden;
    background: var(--bg);
    box-shadow: var(--shadow-sm);
    font-size: 0.94rem;
}
.compare th, .compare td {
    padding: 13px 18px;
    text-align: left;
    border-top: 1px solid var(--border);
}
.compare thead th {
    border-top: 0;
    background: var(--surface);
    font-size: 0.85rem;
    letter-spacing: 0.02em;
}
.compare .col-us, .compare .col-them { width: 190px; text-align: center; }
.compare thead .col-us { color: var(--accent-hover); }
.compare .yes, .compare .no { text-align: center; }
.compare .yes { color: var(--accent-hover); }
.compare .no { color: #B4534B; }
.compare td:first-child { font-weight: 600; color: var(--text); }
.compare tbody tr:hover { background: var(--accent-tint-2); }

/* reviews */
.reviews-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: 18px;
}
.review {
    background: var(--bg);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    box-shadow: var(--shadow-sm);
    padding: 20px;
    display: flex;
    flex-direction: column;
    gap: 12px;
    transition: border-color 0.15s var(--ease), transform 0.15s var(--ease), box-shadow 0.15s var(--ease);
}
.review:hover {
    border-color: rgba(14, 138, 148, 0.4);
    transform: translateY(-1px);
    box-shadow: var(--shadow-md);
}
.review__head { display: flex; align-items: center; gap: 12px; }
.review__ava {
    object-fit: cover;
    width: 46px;
    height: 46px;
    border-radius: 50%;
    background: var(--accent-tint);
    border: 1px solid #CBDEE0;
    color: var(--accent-hover);
    display: inline-flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
}
.review__name { font-weight: 700; font-size: 0.95rem; margin: 0; }
.review__role { font-size: 0.82rem; color: var(--muted); margin: 1px 0 0; }
.review__stars { display: inline-flex; gap: 2px; color: var(--accent); }
.review__text { font-size: 0.92rem; color: var(--muted); margin: 0; flex-grow: 1; }
.review__stats {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    border-top: 1px solid var(--border);
    padding-top: 12px;
    gap: 8px;
    font-variant-numeric: tabular-nums;
}
.review__stat { display: flex; flex-direction: column; gap: 2px; }
.review__stat small { font-size: 10.5px; letter-spacing: 0.05em; text-transform: uppercase; color: var(--muted-2); font-weight: 600; }
.review__stat b { font-size: 0.92rem; color: var(--text); font-weight: 700; }
.review__stat b.is-profit { color: var(--accent-hover); }

.reviews-note {
    text-align: center;
    font-size: 0.82rem;
    color: var(--muted);
    margin-top: 22px;
}

/* company block */
.company-grid {
    display: grid;
    grid-template-columns: minmax(0, 6fr) minmax(0, 6fr);
    gap: clamp(24px, 4vw, 48px);
    align-items: start;
}
.company-facts {
    display: grid;
    gap: 0;
    border: 1px solid var(--border);
    border-radius: var(--radius-lg);
    background: var(--bg);
    box-shadow: var(--shadow-sm);
    overflow: hidden;
}
.company-facts__row {
    display: grid;
    grid-template-columns: 168px 1fr;
    gap: 14px;
    padding: 14px 20px;
    border-top: 1px solid var(--border);
    font-size: 0.92rem;
}
.company-facts__row:first-child { border-top: 0; }
.company-facts__row dt { color: var(--muted); font-weight: 600; margin: 0; }
.company-facts__row dd { margin: 0; color: var(--text); font-variant-numeric: tabular-nums; }

.company-links {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 14px;
}
.company-link {
    display: flex;
    align-items: center;
    gap: 12px;
    padding: 16px;
    background: var(--bg);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    box-shadow: var(--shadow-sm);
    color: var(--text);
    font-weight: 600;
    font-size: 0.92rem;
    transition: border-color 0.15s var(--ease), transform 0.15s var(--ease), box-shadow 0.15s var(--ease);
}
.company-link:hover {
    border-color: rgba(14, 138, 148, 0.4);
    transform: translateY(-1px);
    box-shadow: var(--shadow-md);
    color: var(--accent-hover);
}
.company-link span { display: flex; flex-direction: column; gap: 2px; }
.company-link small { font-weight: 400; color: var(--muted); font-size: 0.8rem; }

/* FAQ */
.faq { max-width: 820px; margin-inline: auto; }
.faq-item {
    background: var(--bg);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    margin-bottom: 10px;
    box-shadow: var(--shadow-sm);
    overflow: hidden;
}
.faq-q {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 14px;
    width: 100%;
    padding: 15px 20px;
    background: none;
    border: 0;
    font-family: var(--font);
    font-size: 0.98rem;
    font-weight: 600;
    color: var(--text);
    text-align: left;
    cursor: pointer;
}
.faq-q .icon { color: var(--accent); transition: transform 0.15s var(--ease); flex-shrink: 0; }
.faq-chevron { display: inline-flex; flex-shrink: 0; }
.faq-item.is-open .faq-q .icon { transform: rotate(180deg); }
.faq-a {
    padding: 0 20px 16px;
    font-size: 0.92rem;
    color: var(--muted);
}
.faq-a p:last-child { margin-bottom: 0; }

/* ---------- Inner pages ---------- */
.page-hero {
    position: relative;
    overflow: hidden;
    border-bottom: 1px solid var(--border);
    padding-block: clamp(38px, 5vw, 64px);
    background-image:
        radial-gradient(820px 380px at 90% -12%, rgba(14, 138, 148, 0.07), transparent 60%),
        radial-gradient(rgba(21, 34, 56, 0.03) 1px, transparent 1.4px);
    background-size: auto, 26px 26px;
}
.page-hero__grid {
    display: grid;
    grid-template-columns: repeat(12, 1fr);
    column-gap: clamp(20px, 3vw, 36px);
    align-items: start;
}
.page-hero__copy { grid-column: 1 / 8; }
.page-hero__copy h1 { max-width: 22ch; }
.page-hero__copy .lead { max-width: 58ch; }
.page-hero__form { grid-column: 8 / 13; }

.page-hero--plain .page-hero__copy { grid-column: 1 / 13; max-width: 900px; }

.breadcrumbs {
    border-bottom: 1px solid var(--border);
    background: var(--surface);
    font-size: 0.83rem;
}
.breadcrumbs ol {
    display: flex;
    flex-wrap: wrap;
    gap: 6px 10px;
    list-style: none;
    margin: 0;
    padding: 10px 0;
}
.breadcrumbs li { margin: 0; color: var(--muted); }
.breadcrumbs li + li::before { content: "/"; margin-right: 10px; color: var(--border-strong); }
.breadcrumbs a { color: var(--muted); }
.breadcrumbs a:hover { color: var(--accent-hover); }
.breadcrumbs [aria-current] { color: var(--text); font-weight: 600; }

/* tables */
.table-wrap {
    overflow-x: auto;
    border: 1px solid var(--border);
    border-radius: var(--radius-lg);
    background: var(--bg);
    box-shadow: var(--shadow-sm);
    margin: 18px 0 26px;
    -webkit-overflow-scrolling: touch;
}
.table {
    width: 100%;
    border-collapse: collapse;
    font-size: 0.92rem;
    min-width: 560px;
}
.table th, .table td {
    padding: 12px 16px;
    text-align: left;
    border-top: 1px solid var(--border);
    vertical-align: top;
}
.table thead th {
    border-top: 0;
    background: var(--surface);
    color: var(--accent-hover);
    font-size: 0.8rem;
    letter-spacing: 0.04em;
    text-transform: uppercase;
    font-weight: 700;
    white-space: nowrap;
}
.table tbody tr:hover { background: var(--accent-tint-2); }
.table td.num, .table th.num { text-align: right; font-variant-numeric: tabular-nums; }

/* map */
.map-embed {
    max-width: 880px;
    margin: 20px 0 26px;
    border: 1px solid var(--border);
    border-radius: var(--radius-lg);
    overflow: hidden;
    box-shadow: var(--shadow-md);
    background: var(--surface);
}
.map-embed iframe {
    display: block;
    width: 100%;
    aspect-ratio: 16 / 9;
    min-height: 320px;
    border: 0;
}

/* icon badges */
.icon-badge {
    width: 46px;
    height: 46px;
    border-radius: 12px;
    background: var(--accent-tint);
    color: var(--accent-hover);
    display: inline-flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
}
.icon-badge--navy {
    background: #E8ECF2;
    color: var(--navy);
}

/* generic grids + cards */
.grid { display: grid; gap: 18px; }
.grid--2 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
.grid--3 { grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); }
.grid--4 { grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); }

.card {
    background: var(--bg);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    box-shadow: var(--shadow-sm);
    padding: 22px;
    transition: border-color 0.15s var(--ease), transform 0.15s var(--ease), box-shadow 0.15s var(--ease);
}
.card:hover {
    border-color: rgba(14, 138, 148, 0.4);
    transform: translateY(-1px);
    box-shadow: var(--shadow-md);
}
.card .icon-badge { margin-bottom: 14px; }
.card h3, .card h4 { margin-bottom: 8px; }
.card p, .card li { font-size: 0.92rem; color: var(--muted); }
.card p:last-child { margin-bottom: 0; }

/* card with heading row: icon beside title */
.card--row .card__head {
    display: flex;
    align-items: center;
    gap: 12px;
    margin-bottom: 10px;
}
.card--row .icon-badge { margin-bottom: 0; }

/* ---------- Special offer ---------- */
.offer-strip {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    background: var(--navy);
    color: #E7EDF3;
    font-size: 0.86rem;
    border-bottom: 1px solid var(--navy-2);
}
.offer-strip .stat {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    padding: 10px 16px;
    border-left: 1px solid var(--navy-2);
    text-align: center;
    font-variant-numeric: tabular-nums;
}
.offer-strip .stat:first-child { border-left: 0; }
.offer-strip .stat .icon { color: #5FB8BF; flex-shrink: 0; }
.offer-strip .stat b { color: #FFFFFF; }

.offer-band {
    background:
        radial-gradient(700px 300px at 12% 0%, rgba(95, 184, 191, 0.18), transparent 60%),
        var(--navy);
    color: #E7EDF3;
    border-radius: var(--radius-lg);
    padding: clamp(28px, 4vw, 44px);
    display: flex;
    flex-wrap: wrap;
    align-items: center;
    justify-content: space-between;
    gap: 20px;
}
.offer-band h2 { color: #FFFFFF; margin-bottom: 6px; }
.offer-band p { margin: 0; color: #B9C6D6; max-width: 52ch; }
.offer-band .btn { flex-shrink: 0; }

.countdown {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    font-variant-numeric: tabular-nums;
}
.countdown__cell {
    background: var(--navy);
    border: 1px solid var(--navy-2);
    border-radius: var(--radius-sm);
    color: #FFFFFF;
    font-size: 1.35rem;
    font-weight: 700;
    padding: 7px 11px;
    min-width: 52px;
    text-align: center;
    line-height: 1.1;
}
.countdown__sep { color: #5FB8BF; font-weight: 700; font-size: 1.2rem; }

/* exit modal */
.modal-overlay {
    position: fixed;
    inset: 0;
    z-index: 300;
    background: rgba(21, 34, 56, 0.55);
    backdrop-filter: blur(3px);
    display: flex;
    align-items: center;
    justify-content: center;
    padding: 20px;
    opacity: 0;
    visibility: hidden;
    transition: opacity 0.18s var(--ease), visibility 0.18s;
}
.modal-overlay.is-open { opacity: 1; visibility: visible; }

.modal-card {
    position: relative;
    background: var(--bg);
    border: 1px solid var(--border);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-lg);
    max-width: 460px;
    width: 100%;
    padding: 30px 28px;
    text-align: center;
    transform: translateY(8px);
    transition: transform 0.18s var(--ease);
}
.modal-overlay.is-open .modal-card { transform: translateY(0); }
.modal-card img { margin: 0 auto 14px; display: block; max-width: 180px; height: auto; }
.modal-card h3 { font-size: 1.3rem; }
.modal-card p { font-size: 0.92rem; color: var(--muted); }

.modal-close {
    position: absolute;
    top: 10px;
    right: 10px;
    width: 34px;
    height: 34px;
    border-radius: 50%;
    border: 1px solid var(--border);
    background: var(--surface);
    color: var(--muted);
    font-size: 1.05rem;
    line-height: 1;
    cursor: pointer;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    transition: background-color 0.15s var(--ease), color 0.15s var(--ease);
}
.modal-close:hover { background: var(--accent-tint); color: var(--accent-hover); }

/* ---------- Footer ---------- */
.site-footer {
    background: var(--navy);
    color: #B9C6D6;
    margin-top: 0;
    border-top: 3px solid var(--accent);
}
.footer-top {
    display: grid;
    grid-template-columns: minmax(0, 4fr) repeat(4, minmax(0, 2.2fr));
    gap: clamp(22px, 3vw, 40px);
    padding-block: clamp(40px, 5vw, 60px) 32px;
}
.footer-brand .brand { margin-bottom: 14px; }
.footer-mission { font-size: 0.88rem; color: #9FB0C4; max-width: 34ch; }
.footer-contact { font-size: 0.86rem; color: #9FB0C4; }
.footer-contact .icon { color: #5FB8BF; vertical-align: -3px; margin-right: 4px; }
.footer-contact a { color: #D7E0EA; }
.footer-contact a:hover { color: #5FB8BF; }

.footer-col h3 {
    color: #FFFFFF;
    font-size: 0.8rem;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    margin-bottom: 14px;
}
.footer-col ul { list-style: none; margin: 0; padding: 0; }
.footer-col li { margin-bottom: 8px; }
.footer-col a {
    color: #9FB0C4;
    font-size: 0.86rem;
    transition: color 0.15s var(--ease);
}
.footer-col a:hover, .footer-col a.is-active { color: #5FB8BF; }

.footer-disclaimer {
    border-top: 1px solid #2A3A52;
    padding-block: 22px;
}
.footer-disclaimer h3 { color: #FFFFFF; font-size: 0.8rem; letter-spacing: 0.08em; text-transform: uppercase; }
.footer-disclaimer p {
    font-size: 0.78rem;
    color: #8296AC;
    margin: 8px 0 0;
    max-width: 110ch;
}

.footer-bottom {
    border-top: 1px solid #2A3A52;
    padding-block: 16px;
}
.footer-bottom p { margin: 0; font-size: 0.8rem; color: #8296AC; }

/* ---------- Reveal (content visible without JS: animation plays on class add) ---------- */
.is-revealed { animation: vc-rise 0.55s var(--ease) both; }
@keyframes vc-rise {
    from { opacity: 0; transform: translateY(6px); }
    to { opacity: 1; transform: translateY(0); }
}
@media (prefers-reduced-motion: reduce) {
    .is-revealed { animation: none; }
    *, *::before, *::after { transition-duration: 0.01ms !important; animation-duration: 0.01ms !important; }
}

/* ---------- Calculator widget area ---------- */
.calc-section [data-calc-root] { margin-inline: auto; }

/* ---------- Responsive ---------- */
@media (max-width: 1020px) {
    .site-nav, .btn-header { display: none; }
    .nav-burger { display: inline-flex; }
    .header-inner { justify-content: space-between; }

    .hero-grid { row-gap: 26px; }
    .hero-copy, .hero-form { grid-column: 1 / 13; }
    .hero-form { border-left: 0; padding-left: 0; }

    .page-hero__copy, .page-hero__form { grid-column: 1 / 13; }
    .page-hero__copy h1 { max-width: none; }

    .calc-section__grid { grid-template-columns: 1fr; }

    .steps { grid-template-columns: repeat(2, 1fr); }
    .step:nth-child(3) { border-left: 0; }
    .step:nth-child(n + 3) { border-top: 1px solid var(--border); }

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

    .footer-top { grid-template-columns: repeat(2, minmax(0, 1fr)); }
    .footer-brand { grid-column: 1 / -1; }
}

@media (max-width: 760px) {
    .hero-strip { grid-template-columns: 1fr; }
    .hero-strip__cell { border-left: 0; border-top: 1px solid var(--border); }
    .hero-strip__cell:first-child { border-top: 0; }

    .grid--2 { grid-template-columns: 1fr; }
    .company-links { grid-template-columns: 1fr; }
    .steps { grid-template-columns: 1fr; }
    .step { border-left: 0; border-top: 1px solid var(--border); }
    .step:first-child { border-top: 0; }

    .compare .col-us, .compare .col-them { width: auto; }

    .offer-strip { grid-template-columns: 1fr; }
    .offer-strip .stat { border-left: 0; border-top: 1px solid var(--navy-2); }
    .offer-strip .stat:first-child { border-top: 0; }

    .offer-band { flex-direction: column; align-items: flex-start; }

    .footer-top { grid-template-columns: 1fr; }

    .company-facts__row { grid-template-columns: 1fr; gap: 2px; }

    .btn { padding: 0 18px; }
}

@media (max-width: 480px) {
    .brand svg { height: 28px; }
    .hero-trust { gap: 8px; }
    .flag-chip { font-size: 0.76rem; padding: 3px 9px 3px 6px; }
    .review__stats { grid-template-columns: 1fr; gap: 6px; }
    .modal-card { padding: 24px 18px; }
}

/* Shared ticker and phone country selector overrides. */
.tv-ticker-wrapper {
    padding-top: 0px !important;
    height: 58px !important;
}

.iti__selected-country, .iti__selected-dial-code {
    color: rgb(24, 33, 47) !important;
}