@font-face{font-family:"Manrope";src:url(fonts/manrope.woff2) format("woff2");font-weight:200 800;font-display:swap}
@font-face{font-family:"Onest";src:url(fonts/onest.woff2) format("woff2");font-weight:100 900;font-display:swap}
:root{--gold:#f8d24a;--black:#000;--dark:#111;--card:#2b2b2b;--card2:#333;--muted:#bdbdbd;--white:#fff;--radius:12px;--max:1180px}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:"Onest",system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;background:var(--black);color:var(--white);line-height:1.55;-webkit-font-smoothing:antialiased}
h1,h2,h3{font-family:"Manrope","Onest",sans-serif;font-weight:500;line-height:1.15;letter-spacing:-.01em}
a{color:inherit}
img{max-width:100%;display:block}
.wrap{max-width:var(--max);margin:0 auto;padding:0 24px}
.btn{display:inline-block;background:var(--gold);color:#111;font-weight:500;font-size:15px;text-decoration:none;padding:14px 28px;border-radius:4px;transition:transform .15s,filter .15s}
.btn:hover{filter:brightness(1.05);transform:translateY(-1px)}
.btn-sm{font-size:13px;padding:11px 20px}

/* Header */
.header{background:#000;position:sticky;top:0;z-index:50}
.header .wrap{display:flex;align-items:center;justify-content:space-between;height:110px}
.logo img{height:96px;width:auto}
.nav{display:flex;gap:40px}
.nav a{text-decoration:none;font-size:15px}
.nav a:hover{color:var(--gold)}
.menu-btn{display:none;background:none;border:0;color:#fff;font-size:28px;cursor:pointer}

/* Hero */
.hero{display:grid;grid-template-columns:1fr 1fr;min-height:640px;background:#000 url(img/wave.jpg) center/cover no-repeat}
.hero-text{display:flex;flex-direction:column;justify-content:center;padding:80px 48px 80px max(24px,calc((100vw - var(--max))/2 + 24px))}
.badge{align-self:flex-start;border:1.5px solid var(--gold);border-radius:999px;padding:2px 18px;font-size:16px;margin-bottom:6px}
.sub{font-size:15px;text-decoration:underline;text-underline-offset:3px;margin-bottom:28px}
.hero h1{font-size:clamp(40px,5vw,64px);margin-bottom:28px}
.hero h1 span{color:var(--gold)}
.hero p{max-width:520px;color:#e6e6e6;margin-bottom:36px}
.hero .btn{align-self:flex-start}
.hero-img{background:url(img/hero.jpg) center/cover no-repeat}

/* Banks */
.banks{background:#000;padding:56px 0;overflow:hidden}
.marquee{display:flex;gap:64px;width:max-content;animation:scroll 40s linear infinite;align-items:center}
.marquee img{height:39px;width:auto;opacity:.75;filter:grayscale(1) brightness(1.4)}
@keyframes scroll{to{transform:translateX(-50%)}}

/* Benefits bento */
.benefits{background:#000;padding:20px 0 100px}
.bento{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.card{background:var(--card);border-radius:var(--radius);padding:28px 30px;display:flex;flex-direction:column}
.card.light{background:#fff;color:#111}
.card.tall{grid-row:span 2}
.card .ico{width:40px;height:40px;border-radius:8px;background:#111;display:grid;place-items:center;margin-bottom:24px}
.card.light .ico{background:#f0f0f0}
.card .ico svg{width:20px;height:20px;stroke:currentColor;fill:none;stroke-width:1.8}
.card h3{font-size:21px;margin-bottom:14px}
.card.tall h3{font-size:22px}
.card p{font-size:14px;color:var(--muted)}
.card.light p{color:#333;margin-top:auto}
.card.tall .grow{flex:1;min-height:40px}

/* CTA band */
.band{background:#1c1c1c;text-align:center;padding:110px 24px}
.band h2{font-size:clamp(26px,3vw,34px);margin-bottom:6px}
.band p{max-width:700px;margin:0 auto 44px;color:#ddd;font-size:15px}

/* Steps */
.steps{background:var(--card);padding:100px 0}
.steps h2{text-align:center;font-size:clamp(30px,4vw,44px);margin-bottom:24px}
.steps .intro{max-width:1080px;margin:0 auto 70px;text-align:center;color:#eee}
.timeline{position:relative;max-width:1000px;margin:0 auto}
.timeline:before{content:"";position:absolute;left:50%;top:0;bottom:0;width:1px;background:#444}
.step{display:grid;grid-template-columns:1fr 80px 1fr;align-items:start;margin-bottom:40px}
.num{grid-column:2;justify-self:center;background:#fff;color:#111;font-size:13px;font-weight:600;border-radius:6px;padding:5px 9px;position:relative;z-index:1}
.step .scard{background:#2f2f2f;border-radius:var(--radius);overflow:hidden;border:1px solid #3a3a3a}
.step .scard img{aspect-ratio:16/9;object-fit:cover;width:100%}
.step .scard div{padding:26px 30px 30px}
.step .scard h3{font-size:21px;margin-bottom:14px}
.step .scard p{font-size:14px;color:#ddd}
.step.right .scard{grid-column:3;grid-row:1}
.step.left .scard{grid-column:1;grid-row:1}
.step .num{grid-row:1}

/* FAQ */
.faq{background:#000;padding:100px 0}
.faq h2{text-align:center;font-size:clamp(30px,4vw,44px);margin-bottom:44px}
.faq-list{max-width:860px;margin:0 auto;display:grid;gap:16px}
details{background:var(--card2);border-radius:var(--radius)}
summary{list-style:none;cursor:pointer;padding:26px 60px 26px 28px;position:relative;font-size:16px}
summary::-webkit-details-marker{display:none}
summary:after{content:"";position:absolute;right:28px;top:50%;width:8px;height:8px;border-right:1.5px solid #aaa;border-bottom:1.5px solid #aaa;transform:translateY(-70%) rotate(45deg);transition:transform .2s}
details[open] summary:after{transform:translateY(-30%) rotate(-135deg)}
details .a{padding:0 28px 26px;color:#ccc;font-size:15px}

/* Final CTA */
.final{background:linear-gradient(rgba(0,0,0,.35),rgba(0,0,0,.55)),url(img/cta.jpg) center/cover no-repeat;padding:200px 0 110px}
.final h2{font-size:clamp(32px,4.4vw,48px);margin-bottom:12px}
.final p{max-width:560px;margin-bottom:36px}

/* Footer */
.footer{background:var(--dark);padding:90px 0 60px;font-size:14px}
.footer h4{font-family:"Manrope",sans-serif;font-weight:500;font-size:16px;margin-bottom:26px}
.footer a{display:block;color:#aaa;text-decoration:none;margin-bottom:18px}
.footer a:hover{color:#fff}
.copy{border-top:1px solid #222;margin-top:40px;padding-top:30px;color:#777;font-size:13px}

/* Legal pages */
.legal{background:#000;padding:90px 0 120px}
.legal .wrap{max-width:860px}
.legal h1{font-size:clamp(34px,4vw,48px);text-align:center;margin-bottom:50px}
.legal h2{font-size:24px;margin:48px 0 16px}
.legal h3{font-size:18px;margin:30px 0 10px}
.legal p,.legal li{color:#ddd;font-size:15px;margin-bottom:12px;overflow-wrap:anywhere}
.legal ul{padding-left:22px;margin-bottom:12px}
.legal table{width:100%;border-collapse:collapse;font-size:13px;margin:16px 0}
.legal th,.legal td{border:1px solid #333;padding:8px;text-align:left;vertical-align:top}
.legal a{color:var(--gold)}

/* Responsive */
@media (max-width:900px){
  .hero .btn{align-self:center}
  .header .wrap{height:84px}
  .logo img{height:60px}
  .nav{display:none;position:absolute;top:84px;left:0;right:0;background:#000;flex-direction:column;gap:0;padding:8px 24px 20px}
  .nav.open{display:flex}
  .nav a{padding:12px 0;border-bottom:1px solid #222}
  .menu-btn{display:block}
  .header .btn{display:none}
  .hero{grid-template-columns:1fr}
  .hero-img{min-height:320px;order:-1}
  .hero-text{padding:48px 24px;text-align:center;align-items:center}
  .badge{align-self:center}
  .bento{grid-template-columns:1fr}
  .card.tall{grid-row:auto}
  .timeline:before{left:20px}
  .step{grid-template-columns:40px 1fr;gap:16px}
  .step .num{grid-column:1;justify-self:center}
  .step.left .scard,.step.right .scard{grid-column:2}
  .final{padding:140px 0 80px}
}
@media (prefers-reduced-motion:reduce){.marquee{animation:none;flex-wrap:wrap;width:auto;justify-content:center}}