:root {
      --navy: #001840;
      --navy-mid: #0d2a5e;
      --navy-light: #1a3a70;
      --teal: #0bac80;
      --teal-dark: #089068;
      --teal-glow: rgba(11,172,128,0.15);
      --gold: #f5cf39;
      --coral: #e41351;
      --violet: #5063ad;
      --white: #ffffff;
      --off-white: #f4f6fb;
      --muted: #7a8faf;
      --text: #001840;
      --border: rgba(255,255,255,0.1);
    }
    *, *::before, *::after { margin: 0; padding: 0; box-sizing: border-box; }
    html { scroll-behavior: smooth; }
    body {
      font-family: 'Plus Jakarta Sans', sans-serif;
      background: var(--off-white);
      color: var(--white);
      overflow-x: hidden;
    }
    h1, h2, h3, h4 { font-family: 'Plus Jakarta Sans', sans-serif; font-weight: 800; line-height: 1.15; }
    .container { max-width: 1160px; margin: 0 auto; padding: 0 28px; }

    .section-label {
      display: inline-flex; align-items: center; gap: 8px;
      font-size: 12px; font-weight: 700; letter-spacing: 0.12em; text-transform: uppercase;
      color: var(--teal); margin-bottom: 20px;
    }
    .section-label::before { content: ''; display: block; width: 24px; height: 2px; background: var(--teal); }

    /* ── NAV ── */
    nav {
      position: fixed; top: 0; left: 0; right: 0; z-index: 100;
      padding: 18px 0; transition: background 0.3s, backdrop-filter 0.3s;
    }
    nav.scrolled { background: rgba(0,24,64,0.95); backdrop-filter: blur(16px); border-bottom: 1px solid var(--border); }
    .nav-inner { display: flex; align-items: center; justify-content: space-between; }
    .nav-logo { display: flex; align-items: center; gap: 10px; text-decoration: none; }
    .logo-text { font-weight: 800; font-size: 20px; color: var(--white); }
    .nav-links { display: flex; align-items: center; gap: 36px; list-style: none; }
    .nav-links a { color: rgba(255,255,255,0.7); text-decoration: none; font-size: 15px; font-weight: 500; transition: color 0.2s; }
    .nav-links a:hover { color: var(--white); }
    .nav-cta { background: var(--teal) !important; color: var(--navy) !important; font-weight: 700 !important; padding: 10px 22px; border-radius: 8px; transition: all 0.2s !important; }
    .nav-cta:hover { background: var(--teal-dark) !important; transform: translateY(-1px) !important; }
    @media (max-width: 768px) { .nav-links { display: none; } .nav-links.open { display: flex; flex-direction: column; position: fixed; top: 0; left: 0; right: 0; bottom: 0; background: rgba(0,14,40,0.98); backdrop-filter: blur(20px); z-index: 99; justify-content: center; align-items: center; gap: 32px; } .nav-links.open a { font-size: 22px; color: white; } .nav-links.open .nav-cta { padding: 14px 36px; font-size: 18px !important; } }
    .hamburger { display: none; background: none; border: none; cursor: pointer; padding: 6px; z-index: 101; position: relative; }
    .hamburger span { display: block; width: 24px; height: 2px; background: white; border-radius: 2px; transition: all 0.3s ease; }
    .hamburger span + span { margin-top: 5px; }
    .hamburger.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
    .hamburger.open span:nth-child(2) { opacity: 0; transform: scaleX(0); }
    .hamburger.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }
    @media (max-width: 768px) { .hamburger { display: block; } }

    /* ── HERO ── */
    .hero {
      min-height: 100vh; display: flex; align-items: center;
      padding: 130px 0 80px; position: relative; overflow: hidden;
    }
    .hero > .container { width: 100%; }
    .hero-bg {
      position: absolute; inset: 0;
      background: radial-gradient(ellipse 80% 60% at 65% 45%, rgba(11,172,128,0.12) 0%, transparent 60%),
        linear-gradient(160deg, #001840 0%, #000e28 60%, #001a10 100%);
    }
    .hero-grid {
      position: absolute; inset: 0;
      background-image: linear-gradient(rgba(11,172,128,0.05) 1px, transparent 1px),
        linear-gradient(90deg, rgba(11,172,128,0.05) 1px, transparent 1px);
      background-size: 56px 56px;
      mask-image: radial-gradient(ellipse 80% 80% at 50% 50%, black 20%, transparent 75%);
    }
    .hero-content { position: relative; max-width: 680px; }
    .hero-badge {
      display: inline-flex; align-items: center; gap: 10px;
      background: rgba(11,172,128,0.1); border: 1px solid rgba(11,172,128,0.3);
      color: var(--teal); padding: 7px 16px; border-radius: 100px;
      font-size: 13px; font-weight: 600; margin-bottom: 32px;
      animation: fadeUp 0.6s ease both;
    }
    .flag-svg { width: 20px; height: 14px; border-radius: 2px; overflow: hidden; }
    .hero h1 {
      font-size: clamp(42px, 6.5vw, 76px); font-weight: 800; line-height: 1.08;
      margin-bottom: 28px; animation: fadeUp 0.6s ease 0.1s both;
    }
    .hero h1 .accent { color: var(--teal); }
    .hero-sub {
      font-size: clamp(16px, 2vw, 19px); color: rgba(255,255,255,0.7); line-height: 1.7;
      max-width: 560px; margin-bottom: 44px; animation: fadeUp 0.6s ease 0.2s both; font-weight: 400;
    }
    .hero-actions { display: flex; gap: 16px; flex-wrap: wrap; animation: fadeUp 0.6s ease 0.3s both; }
    .btn-primary {
      display: inline-flex; align-items: center; gap: 8px;
      background: var(--teal); color: var(--navy); font-weight: 700; font-size: 16px;
      padding: 16px 32px; border-radius: 10px; text-decoration: none; transition: all 0.2s;
    }
    .btn-primary:hover { background: var(--teal-dark); transform: translateY(-2px); box-shadow: 0 12px 30px rgba(11,172,128,0.35); }
    .btn-ghost {
      display: inline-flex; align-items: center; gap: 8px;
      background: transparent; color: var(--white); font-weight: 600; font-size: 16px;
      padding: 15px 28px; border-radius: 10px; border: 1.5px solid rgba(255,255,255,0.2);
      text-decoration: none; transition: all 0.2s;
    }
    .btn-ghost:hover { border-color: rgba(255,255,255,0.5); background: rgba(255,255,255,0.06); }

    .hero-stats { display: flex; gap: 44px; margin-top: 60px; flex-wrap: wrap; animation: fadeUp 0.6s ease 0.4s both; }
    .stat-num { font-size: 34px; font-weight: 800; color: var(--white); }
    .stat-num span { color: var(--teal); }
    .stat-label { font-size: 13px; color: var(--muted); margin-top: 2px; }

    /* Hero floating card */
    .hero-visual {
      position: absolute; right: -60px; top: 50%; transform: translateY(-50%);
      width: 560px; height: 700px; animation: floatIn 0.8s ease 0.35s both;
      overflow: visible;
    }

    /* Glowing blob behind hand */
    .hero-blob {
      position: absolute; width: 440px; height: 440px; border-radius: 50%;
      background: radial-gradient(circle, rgba(11,172,128,0.1) 0%, rgba(80,99,173,0.05) 40%, transparent 70%);
      top: 50%; left: 50%; transform: translate(-50%, -50%);
      pointer-events: none;
    }

    /* Hand image */
    .hero-hand-img {
      position: absolute; top: 60%; right: 60px;
      transform: translateY(-50%);
      height: 820px; width: auto;
      object-fit: contain;
      filter: drop-shadow(0 24px 48px rgba(0,0,0,0.5));
      animation: heroHandIn 0.8s ease 0.35s both;
      z-index: 2;
    }
    @keyframes heroHandIn { from { opacity: 0; transform: translateY(-46%); } to { opacity: 1; transform: translateY(-50%); } }

    /* Floating geometric shapes */
    .hero-deco { position: absolute; pointer-events: none; z-index: 3; animation: floatBob 4s ease-in-out infinite; }
    .deco-1 { left: -110px; top: 20%; animation-delay: 0s; }
    .deco-2 { right: 140px; top: 8%; animation-delay: 0.8s; }
    .deco-3 { left: -70px; bottom: 26%; animation-delay: 1.6s; }
    .deco-4 { right: 290px; bottom: 0%; animation-delay: 0.4s; }
    @keyframes floatBob { 0%,100% { transform: translateY(0); } 50% { transform: translateY(-10px); } }
    .deco-5 { animation: floatBob5 4s ease-in-out infinite; }
    @keyframes floatBob5 { 0%,100% { transform: translateX(-50%) translateY(0); } 50% { transform: translateX(-50%) translateY(-10px); } }

    @media (max-width: 1100px) { .hero-visual, .hero-deco { display: none; } }

    /* ── WHO ── */
    .for-who { background: white; color: var(--text); padding: 100px 0; position: relative; overflow: hidden; }
    .for-who-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 80px; align-items: center; }
    .for-who h2 { font-size: clamp(30px, 4vw, 50px); font-weight: 800; margin-bottom: 24px; color: var(--navy); }
    .for-who h2 em { font-style: normal; color: var(--teal-dark); }
    .for-who p { font-size: 17px; color: #475569; line-height: 1.75; margin-bottom: 16px; }
    .who-list { list-style: none; display: grid; gap: 14px; margin-top: 32px; }
    .who-list li { display: flex; align-items: flex-start; gap: 12px; font-size: 15px; color: #334155; }
    .check-circle { width: 22px; height: 22px; background: var(--teal); border-radius: 50%; display: flex; align-items: center; justify-content: center; flex-shrink: 0; margin-top: 1px; }
    .who-cards { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
    .who-card {
      background: var(--off-white); border-radius: 16px; padding: 28px 24px;
      border: 1px solid #e2e8f0; transition: all 0.25s; position: relative; overflow: hidden;
    }
    .who-card:hover { transform: translateY(-4px); box-shadow: 0 16px 32px rgba(0,24,64,0.1); }
    .who-card .card-blob-wrap { margin-bottom: 16px; }
    .who-card h4 { font-size: 15px; font-weight: 700; color: var(--navy); margin-bottom: 6px; }
    .who-card p { font-size: 13px; color: #64748b; line-height: 1.55; }
    .who-card.dark { background: var(--navy); border-color: var(--navy); }
    .who-card.dark h4 { color: white; }
    .who-card.dark p { color: rgba(255,255,255,0.6); }
    .who-card.dark .card-icon svg path, .who-card.dark .card-icon svg rect, .who-card.dark .card-icon svg circle { stroke: rgba(255,255,255,0.9); }
    @media (max-width: 900px) { .for-who-grid { grid-template-columns: 1fr; } }

    /* ── VAT GUIDE ── */
    .vat-guide { background: var(--off-white); color: var(--text); padding: 100px 0; }
    .vat-top { text-align: center; max-width: 680px; margin: 0 auto 64px; }
    .vat-top h2 { font-size: clamp(28px, 4vw, 46px); font-weight: 800; color: var(--navy); margin-bottom: 16px; }
    .vat-top p { font-size: 17px; color: #475569; line-height: 1.7; }
    .vat-cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; margin-bottom: 40px; }
    .vat-card {
      background: white; border-radius: 20px; padding: 36px 32px;
      border: 1px solid #e2e8f0; position: relative; overflow: hidden;
    }
    .vat-card::before { content: ''; position: absolute; top: 0; left: 0; right: 0; height: 4px; background: var(--teal); }
    .vat-card h3 { font-size: 17px; font-weight: 700; color: var(--navy); margin-bottom: 12px; }
    .vat-card p { font-size: 14px; color: #475569; line-height: 1.7; }
    .vat-big { font-size: 52px; font-weight: 800; color: var(--teal-dark); line-height: 1; margin-bottom: 8px; }
    .vat-blob { position: absolute; right: -20px; bottom: -20px; opacity: 0.06; }
    .vat-professions { background: white; border-radius: 20px; padding: 40px; border: 1px solid #e2e8f0; }
    .vat-professions h3 { font-size: 20px; font-weight: 800; color: var(--navy); margin-bottom: 8px; }
    .vat-professions > p { font-size: 15px; color: #475569; margin-bottom: 28px; }
    .prof-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 10px; }
    .prof-pill {
      background: var(--off-white); border: 1px solid #e2e8f0;
      border-radius: 8px; padding: 9px 12px; font-size: 13px; color: var(--navy); font-weight: 500;
      display: flex; align-items: center; gap: 8px;
    }
    .prof-pill svg { flex-shrink: 0; }
    .mra-note {
      margin-top: 24px; display: flex; align-items: flex-start; gap: 12px;
      background: #eff6ff; border: 1px solid #bfdbfe; border-radius: 10px;
      padding: 16px 20px; font-size: 14px; color: #1e40af; line-height: 1.6;
    }
    .mra-note a { color: #1d4ed8; font-weight: 600; }
    @media (max-width: 900px) { .vat-cards { grid-template-columns: 1fr; } .prof-grid { grid-template-columns: repeat(2, 1fr); } }


    /* ── DECORATIVE SHAPES (Hnry-style) ── */
    .deco-shape { position: absolute; pointer-events: none; z-index: 0; }
    .blob-yellow { fill: #f5cf39; }
    .blob-teal { fill: #0bac80; }
    .blob-violet { fill: #5063ad; }
    .blob-coral { fill: #e41351; }

    /* Floating geometric accents */
    @keyframes floatA { 0%,100% { transform: translateY(0) rotate(0deg); } 50% { transform: translateY(-12px) rotate(8deg); } }
    @keyframes floatB { 0%,100% { transform: translateY(0) rotate(0deg); } 50% { transform: translateY(10px) rotate(-6deg); } }
    @keyframes floatC { 0%,100% { transform: translateY(0) scale(1); } 50% { transform: translateY(-8px) scale(1.05); } }
    .float-a { animation: floatA 5s ease-in-out infinite; }
    .float-b { animation: floatB 7s ease-in-out infinite; }
    .float-c { animation: floatC 6s ease-in-out infinite; }

    /* Feature icon — upgraded to blob + illustration style */
    .feature-icon-wrap {
      width: 72px; height: 72px; border-radius: 20px; margin-bottom: 20px;
      display: flex; align-items: center; justify-content: center; position: relative;
    }
    .feature-icon-wrap svg { position: relative; z-index: 1; }
    .feature-icon-wrap .icon-blob {
      position: absolute; inset: 0; border-radius: 20px; opacity: 0.18;
    }

    /* Who card illustration blob */
    .card-blob-wrap {
      width: 56px; height: 56px; border-radius: 16px; margin-bottom: 18px;
      display: flex; align-items: center; justify-content: center; position: relative;
    }
    .card-blob-wrap .icon-blob { position: absolute; inset: 0; border-radius: 16px; }

    /* Step redesign */
    .step-icon-wrap {
      width: 72px; height: 72px; margin: 0 auto 20px;
      display: flex; align-items: center; justify-content: center; position: relative;
    }

    /* ── FEATURES ── */
    .features { background: var(--navy); padding: 100px 0; position: relative; overflow: hidden; }
    .features-top { text-align: center; max-width: 640px; margin: 0 auto 72px; }
    .features-top h2 { font-size: clamp(28px, 4vw, 46px); font-weight: 800; margin-bottom: 16px; }
    .features-top p { font-size: 17px; color: rgba(255,255,255,0.6); line-height: 1.7; }
    .features-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 2px; background: rgba(255,255,255,0.06); border-radius: 24px; overflow: hidden; }
    .feature-cell {
      background: var(--navy); padding: 40px 36px;
      transition: background 0.4s cubic-bezier(0.22, 1, 0.36, 1),
                  transform 0.4s cubic-bezier(0.22, 1, 0.36, 1),
                  box-shadow 0.4s cubic-bezier(0.22, 1, 0.36, 1);
      will-change: transform;
    }
    .feature-cell:hover {
      background: var(--navy-mid);
      transform: translateY(-6px);
      box-shadow: 0 20px 40px rgba(0,0,0,0.3), 0 0 0 1px rgba(11,172,128,0.15);
    }

    .feature-cell h3 { font-size: 18px; font-weight: 700; margin-bottom: 10px; }
    .feature-cell p { font-size: 14px; color: rgba(255,255,255,0.55); line-height: 1.7; }
    .feature-tag {
      display: inline-block; margin-top: 14px; font-size: 11px; font-weight: 700;
      letter-spacing: 0.08em; text-transform: uppercase; color: var(--teal);
      background: var(--teal-glow); padding: 3px 10px; border-radius: 100px;
    }
    @media (max-width: 900px) { .features-grid { grid-template-columns: 1fr; } }

    /* ── HOW IT WORKS ── */
    .how { background: white; color: var(--text); padding: 100px 0; }
    .how-top { text-align: center; max-width: 600px; margin: 0 auto 72px; }
    .how-top h2 { font-size: clamp(28px, 4vw, 46px); font-weight: 800; color: var(--navy); margin-bottom: 16px; }
    .how-top p { font-size: 17px; color: #475569; line-height: 1.7; }
    .steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 32px; position: relative; }
    .steps::before { content: ''; position: absolute; top: 32px; left: 12%; right: 12%; height: 2px; background: linear-gradient(90deg, var(--teal), rgba(11,172,128,0.15)); }
    .step { text-align: center; }

    .step h4 { font-size: 15px; font-weight: 700; color: var(--navy); margin-bottom: 8px; }
    .step p { font-size: 14px; color: #64748b; line-height: 1.6; }
    @media (max-width: 768px) { .steps { grid-template-columns: 1fr 1fr; } .steps::before { display: none; } }

    /* ── TAX TIMELINE ── */
    .tax-timeline { background: var(--navy-mid); padding: 100px 0; }
    .timeline-top { text-align: center; max-width: 640px; margin: 0 auto 64px; }
    .timeline-top h2 { font-size: clamp(26px, 4vw, 42px); font-weight: 800; margin-bottom: 16px; }
    .timeline-top p { font-size: 16px; color: rgba(255,255,255,0.6); line-height: 1.7; }
    .quarters { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; margin-bottom: 40px; }
    .quarter { background: rgba(255,255,255,0.05); border: 1px solid rgba(255,255,255,0.1); border-radius: 16px; padding: 28px 20px; text-align: center; }
    .quarter h4 { font-size: 13px; font-weight: 700; color: var(--teal); text-transform: uppercase; letter-spacing: 0.1em; margin-bottom: 10px; }
    .quarter .dates { font-size: 14px; color: rgba(255,255,255,0.8); margin-bottom: 8px; }
    .quarter .due { font-size: 12px; color: var(--muted); }
    .quarter .due strong { color: var(--gold); }
    .timeline-note {
      background: rgba(245,207,57,0.08); border: 1px solid rgba(245,207,57,0.25);
      border-radius: 14px; padding: 22px 28px; color: rgba(255,255,255,0.8);
      font-size: 14px; line-height: 1.7; max-width: 820px; margin: 0 auto;
      display: flex; gap: 16px; align-items: flex-start;
    }
    .timeline-note strong { color: var(--gold); }
    @media (max-width: 768px) { .quarters { grid-template-columns: 1fr 1fr; } }

    /* ── CTA BANNER (mid-page) ── */
    .cta-mid {
      background: var(--teal); padding: 80px 0; position: relative; overflow: hidden;
    }
    .cta-mid-inner { display: grid; grid-template-columns: 1fr auto; gap: 40px; align-items: center; }
    .cta-mid h2 { font-size: clamp(26px, 3.5vw, 40px); font-weight: 800; color: var(--navy); }
    .cta-mid p { font-size: 17px; color: rgba(0,24,64,0.7); margin-top: 10px; }
    .btn-navy { display: inline-flex; align-items: center; gap: 8px; background: var(--navy); color: white; font-weight: 700; font-size: 16px; padding: 16px 32px; border-radius: 10px; text-decoration: none; transition: all 0.2s; white-space: nowrap; }
    .btn-navy:hover { background: var(--navy-light); transform: translateY(-2px); box-shadow: 0 12px 30px rgba(0,0,0,0.3); }
    .cta-mid-deco { position: absolute; right: 0; top: 0; bottom: 0; pointer-events: none; opacity: 0.08; }
    @media (max-width: 768px) { .cta-mid-inner { grid-template-columns: 1fr; } }

    /* ── PRICING ── */
    .pricing { background: var(--off-white); color: var(--text); padding: 100px 0; }
    .pricing-top { text-align: center; max-width: 580px; margin: 0 auto 64px; }
    .pricing-top h2 { font-size: clamp(28px, 4vw, 46px); font-weight: 800; color: var(--navy); margin-bottom: 16px; }
    .pricing-top p { font-size: 17px; color: #475569; }
    .pricing-cards { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; max-width: 820px; margin: 0 auto; }
    .p-card { background: white; border-radius: 20px; padding: 40px; border: 2px solid #e2e8f0; transition: all 0.2s; position: relative; }
    .p-card:hover { box-shadow: 0 20px 40px rgba(0,24,64,0.1); }
    .p-card.featured { border-color: var(--teal); }
    .p-badge { position: absolute; top: -14px; left: 50%; transform: translateX(-50%); background: var(--teal); color: white; font-size: 11px; font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase; padding: 5px 16px; border-radius: 100px; white-space: nowrap; display: flex; align-items: center; gap: 6px; }
    .p-name { font-size: 20px; font-weight: 800; color: var(--navy); margin-bottom: 8px; }
    .p-desc { font-size: 14px; color: #64748b; margin-bottom: 28px; }
    .p-price { font-size: 52px; font-weight: 800; color: var(--navy); line-height: 1; }
    .p-price span { font-size: 18px; color: #94a3b8; font-weight: 400; }
    .p-note { font-size: 13px; color: #94a3b8; margin-top: 6px; margin-bottom: 32px; }
    .p-features { list-style: none; display: grid; gap: 12px; margin-bottom: 32px; }
    .p-features li { display: flex; align-items: flex-start; gap: 10px; font-size: 14px; color: #334155; }
    .p-btn { display: block; text-align: center; padding: 15px; border-radius: 10px; font-weight: 700; font-size: 15px; text-decoration: none; transition: all 0.2s; }
    .p-btn-ghost { border: 2px solid #e2e8f0; color: #475569; }
    .p-btn-ghost:hover { border-color: var(--navy); color: var(--navy); }
    .p-btn-fill { background: var(--teal); color: white; }
    .p-btn-fill:hover { background: var(--teal-dark); transform: translateY(-2px); box-shadow: 0 8px 20px rgba(11,172,128,0.35); }
    @media (max-width: 640px) { .pricing-cards { grid-template-columns: 1fr; } }

    /* ── FAQ ── */
    .faq { background: white; color: var(--text); padding: 100px 0; }
    .faq-top { text-align: center; max-width: 560px; margin: 0 auto 64px; }
    .faq-top h2 { font-size: clamp(26px, 4vw, 44px); font-weight: 800; color: var(--navy); margin-bottom: 16px; }
    .faq-list { max-width: 760px; margin: 0 auto; display: grid; gap: 2px; }
    .faq-item:first-child .faq-q { border-radius: 14px 14px 0 0; }
    .faq-item:last-child .faq-q:not(.open) { border-radius: 0 0 14px 14px; }
    .faq-item:last-child .faq-a { border-radius: 0 0 14px 14px; }
    .faq-q { width: 100%; display: flex; align-items: center; justify-content: space-between; padding: 22px 28px; background: var(--off-white); border: none; cursor: pointer; text-align: left; font-size: 16px; font-weight: 700; font-family: 'Plus Jakarta Sans', sans-serif; color: var(--navy); transition: background 0.2s; gap: 16px; }
    .faq-q:hover { background: #edf0f7; }
    .faq-q.open { background: var(--navy); color: white; }
    .faq-icon { width: 24px; height: 24px; flex-shrink: 0; transition: transform 0.3s; }
    .faq-q.open .faq-icon { transform: rotate(45deg); }
    .faq-q.open .faq-icon path { stroke: white; }
    .faq-a {
      display: grid; grid-template-rows: 0fr;
      background: #fafbfd; border-top: 0px solid #e2e8f0;
      transition: grid-template-rows 0.38s cubic-bezier(0.4,0,0.2,1), border-top-width 0.38s;
    }
    .faq-a.open { grid-template-rows: 1fr; border-top-width: 1px; }
    .faq-a-inner { overflow: hidden; padding: 0 28px; font-size: 15px; color: #475569; line-height: 1.75; min-height: 0; }
    .faq-a.open .faq-a-inner { padding: 20px 28px; }
    .faq-a-inner, .faq-a.open .faq-a-inner { transition: padding 0.38s cubic-bezier(0.4,0,0.2,1); }
    .faq-a a { color: var(--teal-dark); font-weight: 600; }

    /* ── FINAL CTA ── */
    .cta-final { background: var(--navy); padding: 120px 0; text-align: center; position: relative; overflow: hidden; }
    .cta-final-bg { position: absolute; inset: 0; background: radial-gradient(ellipse 70% 70% at 50% 50%, rgba(11,172,128,0.1) 0%, transparent 70%); }
    /* Decorative shapes */
    .cta-shapes { position: absolute; inset: 0; pointer-events: none; }
    .cta-final-inner { position: relative; }
    .cta-final h2 { font-size: clamp(30px, 5vw, 58px); font-weight: 800; margin-bottom: 20px; }
    .cta-final h2 .accent { color: var(--teal); }
    .cta-final p { font-size: 18px; color: rgba(255,255,255,0.65); max-width: 520px; margin: 0 auto 48px; line-height: 1.7; }
    .cta-final-actions { display: flex; gap: 16px; justify-content: center; flex-wrap: wrap; }
    .cta-trust { display: flex; align-items: center; justify-content: center; gap: 32px; margin-top: 56px; flex-wrap: wrap; }
    .trust-item { display: flex; align-items: center; gap: 10px; font-size: 14px; color: rgba(255,255,255,0.5); }
    .trust-item svg { flex-shrink: 0; }

    /* ── FOOTER ── */
    footer { background: #000b1a; padding: 48px 0 32px; }
    .footer-inner { display: flex; align-items: center; justify-content: space-between; flex-wrap: wrap; gap: 20px; margin-bottom: 24px; }
    .footer-logo { display: flex; align-items: center; gap: 10px; font-weight: 800; font-size: 18px; color: white; }
    .footer-links { display: flex; gap: 24px; }
    .footer-links a { color: rgba(255,255,255,0.4); text-decoration: none; transition: color 0.2s; font-size: 14px; }
    .footer-links a:hover { color: rgba(255,255,255,0.8); }
    .footer-bottom { border-top: 1px solid rgba(255,255,255,0.08); padding-top: 24px; display: flex; justify-content: space-between; flex-wrap: wrap; gap: 12px; font-size: 12px; color: rgba(255,255,255,0.3); }
    .footer-bottom a { color: var(--teal); text-decoration: none; }
    .footer-bottom span:last-child { margin-left: auto; }
    @media (max-width: 768px) { .footer-bottom span:last-child { margin-left: 0; } }

    /* ── ANIMATIONS ── */
    @keyframes fadeUp { from { opacity: 0; transform: translateY(24px); } to { opacity: 1; transform: translateY(0); } }
    @keyframes floatIn { from { opacity: 0; transform: translateY(-44%) translateX(40px); } to { opacity: 1; transform: translateY(-50%) translateX(0); } }
    .reveal { opacity: 0; transform: translateY(30px); transition: opacity 0.6s ease, transform 0.6s ease; }
    .reveal.visible { opacity: 1; transform: none; }

    /* ── REDUCED MOTION ── */
    @media (prefers-reduced-motion: reduce) {
      *, *::before, *::after {
        animation-duration: 0.01ms !important;
        animation-iteration-count: 1 !important;
        transition-duration: 0.01ms !important;
      }
      .reveal { opacity: 1; transform: none; transition: none; }
      .hero-badge, .hero h1, .hero-sub, .hero-actions, .hero-stats, .hero-visual { animation: none; opacity: 1; transform: none; }
      .hero-hand-img { animation: none; opacity: 1; transform: translateY(-50%); }
    }
    /* ══════════════════════════════════════════
       ── LEGAL PAGES (terms.html & privacy.html)
       ══════════════════════════════════════════ */

    /* Body background — class on <body> so it reliably overrides the global navy */
    body.page-terms,
    body.page-privacy { background: #f4f6fb; }

    /* ── PAGE HERO ── */
    .page-hero {
      background: var(--navy);
      padding: 130px 0 56px;
      position: relative;
      overflow: hidden;
    }
    .page-hero-grid {
      position: absolute; inset: 0;
      background-image:
        linear-gradient(rgba(11,172,128,0.04) 1px, transparent 1px),
        linear-gradient(90deg, rgba(11,172,128,0.04) 1px, transparent 1px);
      background-size: 48px 48px;
      mask-image: radial-gradient(ellipse 80% 80% at 50% 50%, black 20%, transparent 75%);
    }
    .page-hero-inner { position: relative; }
    .page-hero h1 {
      font-size: clamp(28px, 4vw, 46px);
      font-weight: 800;
      color: var(--white);
      line-height: 1.12;
      margin-bottom: 14px;
    }
    .page-meta {
      font-size: 14px;
      color: rgba(255,255,255,0.45);
      display: flex;
      align-items: center;
      gap: 16px;
      flex-wrap: wrap;
    }
    .page-meta span + span::before { content: '·'; margin-right: 16px; }

    /* Shared badge structure */
    .page-badge {
      display: inline-flex;
      align-items: center;
      gap: 8px;
      padding: 6px 14px;
      border-radius: 100px;
      font-size: 12px;
      font-weight: 700;
      letter-spacing: 0.08em;
      text-transform: uppercase;
      margin-bottom: 20px;
    }

    /* Terms — teal accent */
    body.page-terms .page-hero::before {
      content: '';
      position: absolute; inset: 0;
      background: radial-gradient(ellipse 60% 80% at 80% 50%, rgba(11,172,128,0.1) 0%, transparent 60%);
    }
    body.page-terms .page-badge {
      background: rgba(11,172,128,0.12);
      border: 1px solid rgba(11,172,128,0.3);
      color: var(--teal);
    }
    body.page-terms .page-hero h1 span { color: var(--teal); }

    /* Privacy — violet accent */
    body.page-privacy .page-hero::before {
      content: '';
      position: absolute; inset: 0;
      background: radial-gradient(ellipse 60% 80% at 20% 50%, rgba(80,99,173,0.15) 0%, transparent 60%);
    }
    body.page-privacy .page-badge {
      background: rgba(80,99,173,0.18);
      border: 1px solid rgba(80,99,173,0.4);
      color: #a5b4fc;
    }
    body.page-privacy .page-hero h1 span { color: #a5b4fc; }

    /* ── LEGAL LAYOUT ── */
    .legal-layout {
      max-width: 1160px;
      margin: 0 auto;
      padding: 56px 28px 100px;
      display: grid;
      grid-template-columns: 220px 1fr;
      gap: 48px;
      align-items: start;
    }
    .legal-content { min-width: 0; }

    /* ── TABLE OF CONTENTS ── */
    .toc { position: sticky; top: 88px; }
    .toc-label {
      font-size: 11px;
      font-weight: 700;
      letter-spacing: 0.12em;
      text-transform: uppercase;
      margin-bottom: 16px;
      display: flex;
      align-items: center;
      gap: 8px;
    }
    .toc-label::before { content: ''; display: block; width: 18px; height: 2px; }
    .toc-list { list-style: none; display: grid; gap: 2px; }
    .toc-list a {
      display: block;
      font-size: 13px;
      color: var(--muted);
      text-decoration: none;
      padding: 7px 12px;
      border-radius: 6px;
      font-weight: 500;
      transition: all 0.15s;
      border-left: 2px solid transparent;
    }

    /* Terms — teal TOC */
    body.page-terms .toc-label { color: var(--teal-dark); }
    body.page-terms .toc-label::before { background: var(--teal); }
    body.page-terms .toc-list a:hover {
      color: var(--teal-dark);
      background: rgba(11,172,128,0.06);
      border-left-color: var(--teal);
    }

    /* Privacy — violet TOC */
    body.page-privacy .toc-label { color: var(--violet); }
    body.page-privacy .toc-label::before { background: var(--violet); }
    body.page-privacy .toc-list a:hover {
      color: var(--violet);
      background: rgba(80,99,173,0.06);
      border-left-color: var(--violet);
    }

    /* ── SECTION BLOCKS ── */
    .section-block {
      background: white;
      border: 1px solid #e2e8f0;
      border-radius: 16px;
      padding: 36px 40px;
      margin-bottom: 16px;
      scroll-margin-top: 100px;
    }
    .section-num {
      font-size: 11px;
      font-weight: 700;
      letter-spacing: 0.12em;
      text-transform: uppercase;
      margin-bottom: 10px;
      display: flex;
      align-items: center;
      gap: 8px;
    }
    .section-num::before { content: ''; display: block; width: 16px; height: 2px; }
    .section-block h2 { font-size: 20px; font-weight: 800; color: #001840; margin-bottom: 18px; line-height: 1.25; }
    .section-block h3 { font-size: 16px; font-weight: 700; color: #001840; margin: 24px 0 10px; }
    .section-block p { font-size: 15px; color: #334155; margin-bottom: 14px; line-height: 1.75; }
    .section-block p:last-child { margin-bottom: 0; }
    .section-block ul,
    .section-block ol { margin: 0 0 14px 0; padding-left: 20px; font-size: 15px; color: #334155; }
    .section-block li { margin-bottom: 8px; line-height: 1.65; }
    .subsection { margin-top: 20px; padding-top: 20px; border-top: 1px solid #f1f5f9; }

    /* Terms — teal section accent */
    body.page-terms .section-block:first-child { border-top: 3px solid var(--teal); }
    body.page-terms .section-num { color: var(--teal-dark); }
    body.page-terms .section-num::before { background: var(--teal); }

    /* Privacy — violet section accent */
    body.page-privacy .section-block:first-child { border-top: 3px solid var(--violet); }
    body.page-privacy .section-num { color: var(--violet); }
    body.page-privacy .section-num::before { background: var(--violet); }
    body.page-privacy .section-block a { color: var(--violet); font-weight: 600; }

    /* ── CALLOUTS ── */
    .callout {
      background: rgba(11,172,128,0.06);
      border: 1px solid rgba(11,172,128,0.2);
      border-radius: 10px;
      padding: 16px 20px;
      font-size: 14px;
      color: #064e3b;
      line-height: 1.65;
      margin: 16px 0 0;
      display: flex;
      gap: 12px;
      align-items: flex-start;
    }
    .callout svg { flex-shrink: 0; margin-top: 2px; }
    .callout a { color: var(--teal-dark); font-weight: 600; }
    .warning-callout {
      background: rgba(245,207,57,0.08);
      border: 1px solid rgba(245,207,57,0.3);
      border-radius: 10px;
      padding: 16px 20px;
      font-size: 14px;
      color: #78350f;
      line-height: 1.65;
      margin: 16px 0 0;
      display: flex;
      gap: 12px;
      align-items: flex-start;
    }
    .warning-callout svg { flex-shrink: 0; margin-top: 2px; }
    .violet-callout {
      background: rgba(80,99,173,0.06);
      border: 1px solid rgba(80,99,173,0.2);
      border-radius: 10px;
      padding: 16px 20px;
      font-size: 14px;
      color: #1e1b4b;
      line-height: 1.65;
      margin: 16px 0 0;
      display: flex;
      gap: 12px;
      align-items: flex-start;
    }
    .violet-callout svg { flex-shrink: 0; margin-top: 2px; }

    /* ── PILL (terms) ── */
    .pill {
      display: inline-flex;
      align-items: center;
      background: #f4f6fb;
      border: 1px solid #e2e8f0;
      border-radius: 6px;
      padding: 4px 10px;
      font-size: 12px;
      font-weight: 600;
      color: #001840;
      margin: 2px 3px 2px 0;
    }

    /* ── DATA TABLE (privacy) ── */
    .data-table {
      width: 100%;
      border-collapse: collapse;
      font-size: 14px;
      margin: 16px 0;
      border-radius: 10px;
      overflow: hidden;
      border: 1px solid #e2e8f0;
    }
    .data-table th {
      background: var(--navy);
      color: white;
      padding: 11px 16px;
      text-align: left;
      font-size: 12px;
      font-weight: 700;
      letter-spacing: 0.05em;
      text-transform: uppercase;
    }
    .data-table td {
      padding: 12px 16px;
      border-bottom: 1px solid #e2e8f0;
      color: #334155;
      vertical-align: top;
    }
    .data-table tr:last-child td { border-bottom: none; }
    .data-table tr:nth-child(even) td { background: #fafbfd; }

    /* ── RIGHTS GRID (privacy) ── */
    .rights-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; margin: 16px 0; }
    .right-item {
      display: flex;
      align-items: flex-start;
      gap: 10px;
      background: #f8faff;
      border: 1px solid #e0e7ff;
      border-radius: 10px;
      padding: 14px;
    }
    .right-icon {
      width: 32px;
      height: 32px;
      background: rgba(80,99,173,0.1);
      border-radius: 8px;
      display: flex;
      align-items: center;
      justify-content: center;
      flex-shrink: 0;
    }
    .right-item p { font-size: 13px; font-weight: 600; color: #001840; margin: 0; line-height: 1.4; }

    /* ── PROVIDER CHIPS (privacy) ── */
    .provider-chip {
      display: inline-flex;
      align-items: center;
      gap: 8px;
      background: #f4f6fb;
      border: 1px solid #e2e8f0;
      border-radius: 8px;
      padding: 8px 14px;
      font-size: 14px;
      font-weight: 600;
      color: #001840;
      margin: 4px 4px 4px 0;
    }
    .provider-chip .dot { width: 8px; height: 8px; border-radius: 50%; background: var(--teal); }

    /* ── CONTACT CARD (privacy) ── */
    .contact-card {
      background: var(--navy);
      border-radius: 14px;
      padding: 28px 32px;
      display: flex;
      align-items: center;
      justify-content: space-between;
      gap: 20px;
      flex-wrap: wrap;
      margin-top: 16px;
    }
    .contact-card p { color: rgba(255,255,255,0.7); font-size: 14px; margin: 0; line-height: 1.5; }
    .contact-card strong { color: white; font-size: 16px; font-weight: 700; display: block; margin-bottom: 4px; }
    .contact-card a.email-btn {
      display: inline-flex;
      align-items: center;
      gap: 8px;
      background: var(--teal);
      color: var(--navy) !important;
      font-weight: 700;
      font-size: 14px;
      padding: 11px 22px;
      border-radius: 8px;
      text-decoration: none;
      white-space: nowrap;
      transition: background 0.2s;
      flex-shrink: 0;
    }
    .contact-card a.email-btn:hover { background: var(--teal-dark); }

    /* ── LEGAL RESPONSIVE ── */
    @media (max-width: 860px) {
      .legal-layout { grid-template-columns: 1fr; }
      .toc { display: none; }
      .section-block { padding: 28px 24px; }
      .rights-grid { grid-template-columns: 1fr; }
    }