/* ── RESET & BOX MODEL ───────────────────────────────────── */
*,*::before,*::after { margin: 0; padding: 0; box-sizing: border-box; }
img,video,canvas,svg,iframe { max-width: 100%; height: auto; }
section,header,footer,div.section-wrap { max-width: 100%; }

/* ── CSS CUSTOM PROPERTIES ───────────────────────────────── */
:root {
  --gold:        #C9A84C;
  --gold-light:  #E8C97A;
  --gold-pale:   #F5EDD8;
  --navy:        #0B1628;
  --navy-mid:    #162040;
  --navy-light:  #1E2F55;
  --slate:       #3A4A6B;
  --cloud:       #F8F7F3;
  --white:       #fff;
  --mist:        #EEF0F5;
  --text:        #3D4A60;
  --serif:       'Cormorant Garamond', Georgia, serif;
  --sans:        'DM Sans', system-ui, sans-serif;
  --max:         1280px;
  --gutter:      clamp(20px, 5vw, 80px);
}

/* ── HTML / BODY ─────────────────────────────────────────── */
html {
  scroll-behavior: smooth;
  font-size: 16px;
  overflow-x: hidden;
  width: 100%;
}
body {
  font-family: var(--sans);
  background: var(--cloud);
  color: var(--navy);
  overflow-x: hidden;
  cursor: none;
  width: 100%;
  max-width: 100vw;
  position: relative;
}

/* ── CUSTOM CURSOR ───────────────────────────────────────── */
#cur,
#cur-ring {
  position: fixed;
  pointer-events: none;
  z-index: 9999;
  transform: translate(-50%, -50%);
  border-radius: 50%;
}
#cur {
  width: 10px;
  height: 10px;
  background: var(--gold);
  transition: width .3s, height .3s, opacity .3s;
  mix-blend-mode: difference;
  top: 0;
  left: 0;
}
#cur-ring {
  width: 36px;
  height: 36px;
  border: 1.5px solid rgba(201,168,76,.5);
  z-index: 9998;
  transition: width .2s, height .2s, border-color .2s;
  top: 0;
  left: 0;
}
/* Touch devices: hide cursor overlay, restore native cursor */
@media (hover: none) {
  #cur, #cur-ring { display: none; }
  body { cursor: auto; }
}
.hov #cur      { width: 20px; height: 20px; }
.hov #cur-ring { width: 54px; height: 54px; border-color: var(--gold); }

/* ── NAVIGATION ──────────────────────────────────────────── */
.nav {
  position: fixed;
  top: 0; left: 0; right: 0;
  width: 100%;
  max-width: 100vw;
  z-index: 500;
  height: 72px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0 var(--gutter);
  transition: all .4s;
  box-sizing: border-box;
}
.nav.scrolled {
  background: rgba(11,22,40,.96);
  backdrop-filter: blur(24px);
  border-bottom: 1px solid rgba(201,168,76,.12);
}
.nav-logo {
  display: flex;
  align-items: center;
  gap: 8px;
  text-decoration: none;
  flex-shrink: 0;
  min-width: 0;
}
.nav-logo-text {
  font-family: var(--serif);
  font-size: clamp(11px, 2.2vw, 20px);
  font-weight: 600;
  color: #fff;
  letter-spacing: .04em;
  white-space: nowrap;
  overflow: hidden;
  text-overflow: ellipsis;
  max-width: clamp(140px, 38vw, 280px);
}
.nav-logo-text span { color: var(--gold); }
.nav-links {
  display: flex;
  align-items: center;
  gap: clamp(16px, 2.5vw, 34px);
  list-style: none;
}
.nav-links a {
  font-size: 12px;
  font-weight: 400;
  color: rgba(255,255,255,.65);
  text-decoration: none;
  letter-spacing: .08em;
  text-transform: uppercase;
  transition: color .2s;
  position: relative;
  padding-bottom: 4px;
  white-space: nowrap;
}
.nav-links a::after {
  content: '';
  position: absolute;
  bottom: 0; left: 0;
  width: 0; height: 1px;
  background: var(--gold);
  transition: width .3s;
}
.nav-links a:hover { color: var(--gold-light); }
.nav-links a:hover::after { width: 100%; }
.nav-cta { display: flex; align-items: center; gap: 10px; flex-shrink: 0; }

/* ── SHARED BUTTONS ─────────────────────────────────────── */
.btn-ghost {
  font-size: 12px;
  font-weight: 500;
  color: rgba(255,255,255,.8);
  background: transparent;
  border: 1px solid rgba(255,255,255,.22);
  padding: 8px 18px;
  border-radius: 3px;
  cursor: none;
  letter-spacing: .05em;
  text-transform: uppercase;
  transition: all .25s;
  text-decoration: none;
  white-space: nowrap;
  display: inline-block;
}
.btn-ghost:hover { border-color: var(--gold); color: var(--gold-light); }
.btn-gold {
  font-size: 12px;
  font-weight: 500;
  color: var(--navy);
  background: var(--gold);
  border: none;
  padding: 9px 20px;
  border-radius: 3px;
  cursor: none;
  letter-spacing: .05em;
  text-transform: uppercase;
  transition: all .25s;
  text-decoration: none;
  display: inline-block;
  white-space: nowrap;
}
.btn-gold:hover { background: var(--gold-light); transform: translateY(-1px); }
.btn-primary {
  font-family: var(--sans);
  font-size: 13px;
  font-weight: 500;
  color: var(--navy);
  background: var(--gold);
  border: none;
  padding: 14px 36px;
  border-radius: 3px;
  cursor: none;
  letter-spacing: .06em;
  text-transform: uppercase;
  transition: all .3s;
  text-decoration: none;
  display: inline-block;
  position: relative;
  overflow: hidden;
  white-space: nowrap;
}
.btn-primary::before {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(90deg, transparent, rgba(255,255,255,.25), transparent);
  transform: translateX(-100%);
  transition: transform .6s;
}
.btn-primary:hover::before { transform: translateX(100%); }
.btn-primary:hover {
  background: var(--gold-light);
  transform: translateY(-2px);
  box-shadow: 0 14px 36px rgba(201,168,76,.35);
}

/* ── HAMBURGER / MOBILE NAV ─────────────────────────────── */
.nav-burger {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: none;
  padding: 4px;
  flex-shrink: 0;
}
.nav-burger span {
  display: block;
  width: 24px; height: 2px;
  background: #fff;
  border-radius: 2px;
  transition: all .3s;
}
.nav-mobile {
  display: none;
  position: fixed;
  top: 72px; left: 0; right: 0;
  width: 100%;
  max-width: 100vw;
  background: rgba(11,22,40,.98);
  backdrop-filter: blur(24px);
  padding: 24px var(--gutter) 32px;
  border-bottom: 1px solid rgba(201,168,76,.12);
  z-index: 499;
  transform: translateY(-110%);
  transition: transform .4s cubic-bezier(.23,1,.32,1);
  box-sizing: border-box;
}
.nav-mobile.open { transform: none; }
.nav-mobile ul {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 0;
}
.nav-mobile ul li a {
  display: block;
  padding: 14px 0;
  font-size: 14px;
  color: rgba(255,255,255,.7);
  text-decoration: none;
  letter-spacing: .06em;
  text-transform: uppercase;
  border-bottom: 1px solid rgba(255,255,255,.05);
  transition: color .2s;
}
.nav-mobile ul li a:hover { color: var(--gold); }
.nav-mobile .mob-btns {
  display: flex;
  flex-direction: column;
  gap: 10px;
  margin-top: 20px;
}
.nav-mobile .mob-btns a {
  text-align: center;
  padding: 13px;
  display: block;
}

/* ── TRUST STRIP ─────────────────────────────────────────── */
.trust-strip {
  background: var(--gold-pale);
  border-top: 1px solid rgba(201,168,76,.18);
  border-bottom: 1px solid rgba(201,168,76,.18);
  padding: 14px 0;
  overflow: hidden;
}
.mqt {
  display: flex;
  white-space: nowrap;
  animation: marquee 26s linear infinite;
  width: max-content;
}
.ti {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-size: 11px;
  font-weight: 500;
  color: var(--slate);
  letter-spacing: .06em;
  text-transform: uppercase;
  padding: 0 44px;
  flex-shrink: 0;
}
.tdot {
  width: 4px; height: 4px;
  border-radius: 50%;
  background: var(--gold);
  display: inline-block;
}

/* ── SECTION LAYOUT HELPERS ─────────────────────────────── */
.section-wrap {
  width: 100%;
  max-width: var(--max);
  margin: 0 auto;
  padding-left: var(--gutter);
  padding-right: var(--gutter);
  box-sizing: border-box;
}
.sl {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-size: 11px;
  font-weight: 500;
  color: var(--gold);
  letter-spacing: .2em;
  text-transform: uppercase;
  margin-bottom: 16px;
}
.sl::before { content: ''; width: 22px; height: 1px; background: var(--gold); }
.st {
  font-family: var(--serif);
  font-size: clamp(30px, 3.8vw, 54px);
  font-weight: 300;
  color: var(--navy);
  line-height: 1.13;
  margin-bottom: 14px;
}
.st em { font-style: italic; color: var(--gold); }
.sb {
  font-size: clamp(14px, 1.4vw, 15.5px);
  color: var(--text);
  line-height: 1.75;
  font-weight: 300;
  margin-bottom: 48px;
  max-width: 520px;
}

/* ── SCROLL REVEAL ───────────────────────────────────────── */
.rv  { opacity: 0; transform: translateY(38px);  transition: opacity .75s cubic-bezier(.23,1,.32,1), transform .75s cubic-bezier(.23,1,.32,1); }
.rvl { opacity: 0; transform: translateX(-38px); transition: opacity .75s cubic-bezier(.23,1,.32,1), transform .75s cubic-bezier(.23,1,.32,1); }
.rvr { opacity: 0; transform: translateX(38px);  transition: opacity .75s cubic-bezier(.23,1,.32,1), transform .75s cubic-bezier(.23,1,.32,1); }
.rv.on, .rvl.on, .rvr.on { opacity: 1; transform: none; }
.d1 { transition-delay: .08s; }
.d2 { transition-delay: .16s; }
.d3 { transition-delay: .24s; }
.d4 { transition-delay: .32s; }
.d5 { transition-delay: .40s; }

/* ── FOOTER ──────────────────────────────────────────────── */
.footer { background: #060d18; padding: 0; font-family: var(--sans); }
.footer-accent {
  height: 3px;
  background: linear-gradient(90deg, transparent, var(--gold), var(--gold-light), var(--gold), transparent);
}
/* Newsletter */
.footer-newsletter {
  background: #0a1525;
  border-bottom: 1px solid rgba(255,255,255,.04);
}
.footer-newsletter .section-wrap {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: clamp(20px, 4vw, 48px);
  padding-top:    clamp(24px, 3vw, 36px);
  padding-bottom: clamp(24px, 3vw, 36px);
  flex-wrap: wrap;
}
.fn-title {
  font-size: clamp(16px, 2vw, 20px);
  font-family: var(--serif);
  font-weight: 400;
  color: #fff;
  margin-bottom: 4px;
}
.fn-sub { font-size: 12px; color: rgba(255,255,255,.35); font-weight: 300; }
.fn-form {
  display: flex;
  gap: 8px;
  flex-wrap: wrap;
  flex: 1;
  max-width: 420px;
  min-width: min(280px, 100%);
}
.fn-input {
  flex: 1;
  background: rgba(255,255,255,.05);
  border: 1px solid rgba(255,255,255,.1);
  border-radius: 4px;
  padding: 11px 16px;
  font-size: 13px;
  color: #fff;
  font-family: var(--sans);
  outline: none;
  min-width: 160px;
  transition: border-color .2s;
}
.fn-input::placeholder { color: rgba(255,255,255,.3); }
.fn-input:focus { border-color: rgba(201,168,76,.5); }
.fn-btn {
  background: var(--gold);
  color: var(--navy);
  border: none;
  padding: 11px 24px;
  border-radius: 4px;
  font-size: 12px;
  font-weight: 500;
  letter-spacing: .06em;
  text-transform: uppercase;
  cursor: none;
  transition: background .25s;
  white-space: nowrap;
}
.fn-btn:hover { background: var(--gold-light); }
/* Footer body columns */
.footer-body { padding: clamp(48px, 6vw, 80px) 0 0; }
.footer-body .section-wrap {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr 1fr;
  gap: clamp(24px, 4vw, 56px);
}
.ft-logo {
  display: flex;
  align-items: center;
  gap: 10px;
  text-decoration: none;
  margin-bottom: 18px;
}
.ft-logo-text {
  font-family: var(--serif);
  font-size: clamp(17px, 2vw, 21px);
  font-weight: 600;
  color: #fff;
  letter-spacing: .05em;
}
.ft-logo-text span { color: var(--gold); }
.ft-tagline {
  font-size: clamp(12px, 1.1vw, 13px);
  color: rgba(255,255,255,.35);
  line-height: 1.8;
  font-weight: 300;
  max-width: 260px;
  margin-bottom: 24px;
}
.ft-badges { display: flex; flex-direction: column; gap: 8px; margin-bottom: 24px; }
.ft-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 10px;
  letter-spacing: .1em;
  text-transform: uppercase;
  color: rgba(255,255,255,.3);
  border: 1px solid rgba(255,255,255,.07);
  padding: 5px 12px;
  border-radius: 2px;
  width: fit-content;
}
.ft-badge-icon { font-size: 12px; }
.ft-soc { display: flex; gap: 8px; }
.fsoc {
  width: 34px; height: 34px;
  border-radius: 50%;
  border: 1px solid rgba(255,255,255,.09);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 13px;
  cursor: none;
  transition: all .25s;
  color: rgba(255,255,255,.45);
  text-decoration: none;
}
.fsoc:hover { border-color: var(--gold); background: rgba(201,168,76,.1); color: var(--gold); }
.ft-col-title {
  font-size: 10.5px;
  font-weight: 500;
  color: rgba(255,255,255,.55);
  letter-spacing: .15em;
  text-transform: uppercase;
  margin-bottom: 20px;
  display: block;
}
.ft-col ul { list-style: none; display: flex; flex-direction: column; gap: 10px; }
.ft-col ul li a {
  font-size: clamp(12px, 1.1vw, 13px);
  color: rgba(255,255,255,.28);
  text-decoration: none;
  font-weight: 300;
  transition: color .2s;
}
.ft-col ul li a:hover { color: var(--gold-light); }
/* Regulatory bar */
.footer-reg {
  border-top: 1px solid rgba(255,255,255,.05);
  margin-top: clamp(40px, 5vw, 64px);
}
.footer-reg .section-wrap {
  display: flex;
  align-items: flex-start;
  gap: clamp(20px, 4vw, 40px);
  padding-top:    clamp(28px, 3vw, 40px);
  padding-bottom: clamp(28px, 3vw, 40px);
  flex-wrap: wrap;
}
.reg-fdic { display: flex; align-items: center; gap: 10px; flex-shrink: 0; }
.reg-fdic-box {
  background: rgba(201,168,76,.1);
  border: 1px solid rgba(201,168,76,.25);
  border-radius: 4px;
  padding: 6px 12px;
  font-size: 10px;
  font-weight: 600;
  color: var(--gold);
  letter-spacing: .1em;
  text-transform: uppercase;
}
.reg-text {
  font-size: 10.5px;
  color: rgba(255,255,255,.2);
  line-height: 1.7;
  font-weight: 300;
  max-width: 640px;
}
/* Footer bottom bar */
.footer-bottom { background: #04090f; border-top: 1px solid rgba(255,255,255,.04); }
.footer-bottom .section-wrap {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding-top:    clamp(16px, 2vw, 22px);
  padding-bottom: clamp(16px, 2vw, 22px);
  gap: 16px;
  flex-wrap: wrap;
}
.ft-copy { font-size: 11.5px; color: rgba(255,255,255,.2); }
.ft-legal { display: flex; gap: clamp(12px, 2vw, 24px); flex-wrap: wrap; }
.ft-legal a {
  font-size: 11.5px;
  color: rgba(255,255,255,.2);
  text-decoration: none;
  transition: color .2s;
  white-space: nowrap;
}
.ft-legal a:hover { color: var(--gold); }
.ft-cert { display: flex; gap: 6px; flex-wrap: wrap; }
.ft-cert-badge {
  font-size: 10px;
  color: rgba(255,255,255,.2);
  border: 1px solid rgba(255,255,255,.06);
  padding: 3px 8px;
  border-radius: 2px;
  white-space: nowrap;
}

/* ── KEYFRAMES ───────────────────────────────────────────── */
@keyframes marquee    { 0%{transform:translateX(0)} 100%{transform:translateX(-50%)} }
@keyframes pulseRing  { 0%{transform:scale(1);opacity:.6} 100%{transform:scale(2.8);opacity:0} }
@keyframes spinSlow   { from{transform:rotate(0deg)} to{transform:rotate(360deg)} }
@keyframes sil        { from{opacity:0;transform:translateX(-30px)} to{opacity:1;transform:none} }
@keyframes fi         { from{opacity:0} to{opacity:1} }
@keyframes floatY     { 0%,100%{transform:translateY(0)} 50%{transform:translateY(-10px)} }
@keyframes tdB        { 0%,60%,100%{transform:translateY(0)} 30%{transform:translateY(-6px);background:var(--gold)} }

/* ── RESPONSIVE BREAKPOINTS ─────────────────────────────── */
@media (max-width: 1100px) {
  .footer-body .section-wrap { grid-template-columns: 1fr 1fr 1fr; }
  .ft-brand { grid-column: 1 / -1; }
  .ft-tagline { max-width: 100%; }
}
@media (max-width: 860px) {
  .nav-links   { display: none; }
  .nav-burger  { display: flex; }
  .nav-mobile  { display: block; }
  .footer-body .section-wrap { grid-template-columns: 1fr 1fr; }
  .ft-brand { grid-column: 1 / -1; }
}
@media (max-width: 560px) {
  :root { --gutter: 16px; }
  .footer-body .section-wrap  { grid-template-columns: 1fr 1fr; }
  .footer-reg .section-wrap   { flex-direction: column; }
  .footer-bottom .section-wrap{ flex-direction: column; align-items: flex-start; gap: 12px; }
  .fn-form  { flex-direction: column; }
  .fn-btn   { width: 100%; }
  .nav-cta .btn-ghost { display: none; }
  .btn-gold { padding: 8px 12px; font-size: 11px; }
  .nav-logo-text { font-size: 13px; letter-spacing: .03em; }
  .ti { font-size: 10px; padding: 0 28px; }
}