/* =========================================================
   Mitraku — PT Mitra Solusi Keuangan Nusantara
   Style: Trust & Authority · Pattern: Enterprise Gateway
   Brand: navy + red (#DF1038) + blue (#0642B0) · IBM Plex Sans
   ========================================================= */

/* ---------- Design Tokens ---------- */
:root {
  /* Brand */
  --red: #DF1038;
  --red-600: #C40E30;
  --red-700: #A60B28;
  --red-300: #ff5d7d;  /* light tint — gradient/text on dark surfaces */
  --red-200: #ff8aa0;  /* lightest tint — eyebrow on dark surfaces */
  --blue: #0642B0;
  --blue-500: #1A57C9;

  /* Navy authority scale */
  --navy-900: #08152F;
  --navy-800: #0A1B3D;
  --navy-700: #102A57;
  --navy-600: #16386F;

  /* Neutrals */
  --bg: #F6F8FC;
  --surface: #FFFFFF;
  --muted: #EEF2F9;
  --border: #E2E8F2;
  --border-strong: #CBD6E6;

  /* Ink */
  --ink-900: #0B1220;
  --ink-700: #2B3A52;
  --ink-500: #5A6B85;
  --ink-300: #9AA8BE;

  /* Semantic */
  --primary: var(--navy-800);
  --accent: var(--red);
  --ring: rgba(6, 66, 176, .45);
  --error: #C40E30;
  --success-700: #047857; /* deep — text/icon on LIGHT surfaces */
  --success-400: #34d399; /* mint — accent/dot on DARK surfaces */
  --success-200: #7ff0c0; /* aqua — text on DARK surfaces */
  --success: var(--success-700);

  /* Type */
  --font-sans: 'IBM Plex Sans', system-ui, -apple-system, Segoe UI, Roboto, Arial, sans-serif;
  --font-serif: 'IBM Plex Serif', Georgia, 'Times New Roman', serif;

  /* Radius */
  --r-sm: 8px;
  --r-md: 14px;
  --r-lg: 20px;
  --r-xl: 28px;

  /* Shadow (consistent elevation scale) */
  --sh-1: 0 1px 2px rgba(11, 18, 32, .06), 0 1px 3px rgba(11, 18, 32, .08);
  --sh-2: 0 4px 12px rgba(11, 18, 32, .07), 0 2px 4px rgba(11, 18, 32, .05);
  --sh-3: 0 14px 40px rgba(11, 18, 32, .12), 0 4px 12px rgba(11, 18, 32, .06);
  --sh-4: 0 28px 70px rgba(8, 21, 47, .22);

  /* Layout */
  --container: 1180px;
  --gutter: clamp(20px, 5vw, 48px);

  /* Motion */
  --ease: cubic-bezier(.22, .61, .36, 1);
  --dur: 220ms;
}

/* ---------- Reset / Base ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; overflow-x: clip; }
body {
  margin: 0;
  font-family: var(--font-sans);
  font-size: 16px;
  line-height: 1.65;
  color: var(--ink-700);
  background: var(--bg);
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
  overflow-x: hidden;
}
img { max-width: 100%; height: auto; display: block; }
a { color: inherit; text-decoration: none; }
button { font-family: inherit; cursor: pointer; }
h1, h2, h3, h4 { color: var(--ink-900); line-height: 1.18; margin: 0; font-weight: 600; letter-spacing: -.01em; }
p { margin: 0; }
ul, ol { margin: 0; padding: 0; list-style: none; }
:focus-visible { outline: 3px solid var(--ring); outline-offset: 2px; border-radius: 4px; }

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

.ico { width: 1.25em; height: 1.25em; fill: none; stroke: currentColor; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; flex: none; }

.skip-link {
  position: absolute; left: 12px; top: -60px; z-index: 1000;
  background: var(--navy-800); color: #fff; padding: 10px 16px; border-radius: var(--r-sm);
  transition: top var(--dur) var(--ease);
}
.skip-link:focus { top: 12px; }

/* ---------- Reveal animation (progressive enhancement: hidden only when JS is active) ---------- */
.reveal { transition: opacity .7s var(--ease), transform .7s var(--ease); }
.has-js .reveal { opacity: 0; transform: translateY(24px); }
.has-js .reveal.is-visible { opacity: 1; transform: none; }

/* ---------- Eyebrow / headings ---------- */
.eyebrow {
  display: inline-flex; align-items: center; gap: 8px;
  font-size: .8rem; font-weight: 600; letter-spacing: .14em; text-transform: uppercase;
  color: var(--red); margin-bottom: 14px;
}
.eyebrow::before { content: ""; width: 26px; height: 2px; background: var(--red); border-radius: 2px; }
.eyebrow--light { color: var(--red-200); }
.eyebrow--light::before { background: var(--red-200); }
.section--muted .eyebrow { color: var(--red-600); } /* AA on muted #EEF2F9 (5.42:1) */

.section { padding: clamp(64px, 9vw, 116px) 0; }
.section--muted { background: var(--muted); }
.section--dark { background: linear-gradient(160deg, var(--navy-800), var(--navy-900)); color: #cdd7e8; }
.section__head { max-width: 720px; margin: 0 auto clamp(40px, 6vw, 64px); text-align: center; }
.section__head--light .section__title { color: #fff; }
.section__title { font-size: clamp(1.7rem, 3.6vw, 2.6rem); }
.section__sub { margin-top: 16px; font-size: 1.075rem; color: var(--ink-500); }
.section__sub--light { color: #aab8d0; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 10px;
  font-weight: 600; font-size: .98rem; line-height: 1;
  padding: 15px 26px; border-radius: var(--r-md); border: 1px solid transparent;
  transition: transform var(--dur) var(--ease), box-shadow var(--dur) var(--ease), background var(--dur) var(--ease), color var(--dur) var(--ease);
  white-space: nowrap;
}
.btn--primary { background: var(--red); color: #fff; box-shadow: 0 8px 22px rgba(223, 16, 56, .28); }
.btn--primary:hover { background: var(--red-600); transform: translateY(-2px); box-shadow: 0 12px 28px rgba(223, 16, 56, .34); }
.btn--primary:active { transform: translateY(0); }
.btn--ghost-light { background: rgba(255, 255, 255, .06); color: #fff; border-color: rgba(255, 255, 255, .35); backdrop-filter: blur(4px); }
.btn--ghost-light:hover { background: rgba(255, 255, 255, .14); transform: translateY(-2px); }
.btn--light { background: #fff; color: var(--navy-800); box-shadow: var(--sh-2); }
.btn--light:hover { transform: translateY(-2px); box-shadow: var(--sh-3); }
.btn--block { width: 100%; padding-block: 17px; }

.badge { display: inline-flex; align-items: center; gap: 6px; font-size: .78rem; font-weight: 600; padding: 5px 12px; border-radius: 999px; }
.badge--ghost { background: rgba(255, 255, 255, .1); color: #dbe4f3; border: 1px solid rgba(255, 255, 255, .18); }

/* ---------- Top bar ---------- */
.topbar { background: var(--navy-900); color: #c4d0e6; font-size: .85rem; }
.topbar__inner { display: flex; align-items: center; justify-content: space-between; min-height: 42px; gap: 16px; }
.topbar__contact { display: flex; align-items: center; gap: 22px; flex-wrap: wrap; }
.topbar__item { display: inline-flex; align-items: center; gap: 7px; color: #c4d0e6; transition: color var(--dur) var(--ease); }
.topbar__item .ico { width: 15px; height: 15px; stroke: #7f93b8; }
a.topbar__item:hover { color: #fff; }
.topbar__right { display: flex; align-items: center; gap: 16px; }
.lang-switch { display: inline-flex; align-items: center; gap: 4px; }
.lang-btn { display: inline-flex; align-items: center; justify-content: center; min-width: 44px; min-height: 44px; margin-block: -8px; background: none; border: none; color: #8497ba; font-weight: 600; font-size: .85rem; padding: 4px 6px; border-radius: var(--r-sm); transition: color var(--dur) var(--ease); }
.lang-btn.is-active { color: #fff; }
.lang-btn:hover { color: #fff; }
.lang-sep { color: #4a5b7d; }

/* ---------- Header ---------- */
.header {
  position: sticky; top: 0; z-index: 100;
  background: rgba(255, 255, 255, .85);
  backdrop-filter: saturate(160%) blur(12px);
  border-bottom: 1px solid transparent;
  transition: box-shadow var(--dur) var(--ease), border-color var(--dur) var(--ease), background var(--dur) var(--ease);
}
.header.is-stuck { box-shadow: var(--sh-2); border-color: var(--border); background: rgba(255, 255, 255, .94); }
.header__inner { display: flex; align-items: center; justify-content: space-between; min-height: 72px; gap: 20px; }

.brand { display: inline-flex; align-items: center; gap: 12px; }
.brand__mark { width: 38px; height: 42px; display: grid; place-items: center; }
.brand__mark svg { width: 100%; height: 100%; }
.brand__type { display: flex; flex-direction: column; line-height: 1.1; }
.brand__name { font-size: 1.32rem; font-weight: 700; color: var(--navy-800); letter-spacing: -.02em; }
.brand__tag { font-size: .66rem; font-weight: 600; letter-spacing: .07em; text-transform: uppercase; color: var(--ink-500); }

.nav { display: flex; align-items: center; gap: 6px; }
.nav__link {
  font-weight: 500; font-size: .96rem; color: var(--ink-700);
  padding: 9px 14px; border-radius: var(--r-sm); position: relative;
  transition: color var(--dur) var(--ease), background var(--dur) var(--ease);
}
.nav__link:hover { color: var(--navy-800); background: var(--muted); }
.nav__link.is-active { color: var(--red); }
.nav__cta {
  margin-left: 10px; font-weight: 600; font-size: .95rem; color: #fff; background: var(--red);
  padding: 11px 20px; border-radius: var(--r-md);
  transition: transform var(--dur) var(--ease), box-shadow var(--dur) var(--ease), background var(--dur) var(--ease);
  box-shadow: 0 6px 16px rgba(223, 16, 56, .25);
}
.nav__cta:hover { background: var(--red-600); transform: translateY(-1px); box-shadow: 0 10px 22px rgba(223, 16, 56, .3); }

.nav-toggle { display: none; flex-direction: column; gap: 5px; width: 44px; height: 44px; align-items: center; justify-content: center; background: none; border: none; border-radius: var(--r-sm); }
.nav-toggle span { width: 24px; height: 2px; background: var(--navy-800); border-radius: 2px; transition: transform var(--dur) var(--ease), opacity var(--dur) var(--ease); }
.nav-toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.nav-toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* ---------- Hero ---------- */
.hero { position: relative; background: linear-gradient(155deg, var(--navy-800) 0%, var(--navy-900) 60%, #060f24 100%); color: #e7eefb; overflow: hidden; }
.hero__bg { position: absolute; inset: 0; pointer-events: none; }
.hero__grid { position: absolute; inset: 0; width: 100%; height: 100%; opacity: .7; }
.hero__glow { position: absolute; border-radius: 50%; filter: blur(90px); opacity: .5; }
.hero__glow--red { width: 480px; height: 480px; background: rgba(223, 16, 56, .35); top: -160px; right: -80px; }
.hero__glow--blue { width: 520px; height: 520px; background: rgba(6, 66, 176, .5); bottom: -220px; left: -140px; }
.hero__emblem { position: absolute; right: -60px; bottom: -80px; width: 520px; height: auto; opacity: .5; }

.hero__inner {
  position: relative; z-index: 1;
  display: grid; grid-template-columns: 1.15fr .85fr; gap: clamp(32px, 5vw, 72px); align-items: center;
  padding-block: clamp(64px, 10vw, 120px);
}
.hero__title { font-size: clamp(2.1rem, 5.2vw, 3.7rem); font-weight: 700; color: #fff; letter-spacing: -.025em; line-height: 1.08; }
.hero__title span { display: block; }
.grad { background: linear-gradient(90deg, var(--red-200), var(--red) 55%, var(--red-300)); -webkit-background-clip: text; background-clip: text; color: transparent; }
.hero__lead { margin-top: 22px; font-size: 1.14rem; color: #b9c6df; max-width: 36em; }
.hero__actions { display: flex; flex-wrap: wrap; gap: 14px; margin-top: 32px; }
.hero__trust { display: flex; flex-wrap: wrap; gap: 18px 26px; margin-top: 40px; padding-top: 28px; border-top: 1px solid rgba(255, 255, 255, .12); }
.hero__trust li { display: inline-flex; align-items: center; gap: 9px; font-size: .92rem; color: #cdd8ec; }
.hero__trust .ico { width: 19px; height: 19px; stroke: var(--red); }

/* Hero ID card */
.hero__card { display: flex; justify-content: center; }
.idcard {
  width: 100%; max-width: 420px;
  background: linear-gradient(165deg, rgba(255, 255, 255, .12), rgba(255, 255, 255, .04));
  border: 1px solid rgba(255, 255, 255, .16);
  border-radius: var(--r-xl); padding: 28px;
  backdrop-filter: blur(14px); box-shadow: var(--sh-4);
}
.idcard__head { display: flex; align-items: center; justify-content: space-between; margin-bottom: 18px; }
.idcard__chip { display: inline-flex; align-items: center; gap: 8px; font-size: .82rem; font-weight: 600; color: #fff; }
.idcard__chip .ico { width: 18px; height: 18px; stroke: var(--red); }
.idcard__verified { display: inline-flex; align-items: center; gap: 6px; font-size: .74rem; font-weight: 600; color: var(--success-200); background: rgba(4, 120, 87, .22); border: 1px solid rgba(52, 211, 153, .35); padding: 4px 10px; border-radius: 999px; }
.idcard__verified::before { content: ""; width: 7px; height: 7px; border-radius: 50%; background: var(--success-400); box-shadow: 0 0 0 3px rgba(52, 211, 153, .25); }
.idcard__name { color: #fff; font-size: 1.18rem; font-weight: 600; line-height: 1.3; margin-bottom: 20px; }
.idcard__grid { display: grid; grid-template-columns: 1fr 1fr; gap: 16px 14px; margin-bottom: 20px; }
.idcard__grid dt { font-size: .72rem; letter-spacing: .06em; text-transform: uppercase; color: #8ea3c6; margin-bottom: 3px; }
.idcard__grid dd { margin: 0; font-size: 1rem; font-weight: 600; color: #fff; font-variant-numeric: tabular-nums; }
.idcard__foot { display: flex; gap: 10px; align-items: flex-start; padding-top: 18px; border-top: 1px solid rgba(255, 255, 255, .12); font-size: .85rem; color: #b9c6df; }
.idcard__foot .ico { width: 18px; height: 18px; stroke: var(--red); margin-top: 1px; }

/* ---------- Trust strip ---------- */
.trustbar { background: var(--surface); border-bottom: 1px solid var(--border); }
.trustbar__inner { display: flex; align-items: center; gap: 28px; padding-block: 22px; flex-wrap: wrap; }
.trustbar__label { font-size: .8rem; font-weight: 600; letter-spacing: .08em; text-transform: uppercase; color: var(--ink-500); flex: none; }
.trustbar__list { display: flex; flex-wrap: wrap; gap: 12px 28px; align-items: center; }
.trustbar__list li { font-weight: 600; font-size: .95rem; color: var(--ink-500); display: inline-flex; align-items: center; }
.trustbar__list li::before { content: ""; width: 6px; height: 6px; border-radius: 50%; background: var(--border-strong); margin-right: 12px; }

/* ---------- About ---------- */
.about { display: grid; grid-template-columns: .9fr 1.1fr; gap: clamp(32px, 5vw, 72px); align-items: center; }
.about__media { position: relative; }
.about__imgwrap {
  background: linear-gradient(160deg, #fff, var(--muted));
  border: 1px solid var(--border); border-radius: var(--r-xl);
  padding: clamp(28px, 5vw, 52px); box-shadow: var(--sh-2);
  display: grid; place-items: center;
}
.about__imgwrap img { width: 100%; max-width: 360px; height: auto; }
.about__statcard {
  position: absolute; right: -8px; bottom: -22px;
  background: var(--navy-800); color: #fff; border-radius: var(--r-lg);
  padding: 18px 22px; box-shadow: var(--sh-3); text-align: center; min-width: 120px;
}
.about__statnum { display: block; font-size: 1.8rem; font-weight: 700; color: #fff; line-height: 1; }
.about__statlbl { display: block; font-size: .72rem; color: #aab8d0; margin-top: 6px; max-width: 110px; }
.about__body p { margin-top: 18px; font-size: 1.06rem; }
.about__body strong { color: var(--ink-900); }

.vmcards { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; margin-top: 30px; }
.vmcard { background: var(--surface); border: 1px solid var(--border); border-radius: var(--r-lg); padding: 22px; box-shadow: var(--sh-1); }
.vmcard__icon { display: grid; place-items: center; width: 44px; height: 44px; border-radius: var(--r-md); background: rgba(6, 66, 176, .08); color: var(--blue); margin-bottom: 14px; }
.vmcard__icon .ico { width: 22px; height: 22px; }
.vmcard h3 { font-size: 1.12rem; margin-bottom: 6px; }
.vmcard p { font-size: .95rem; color: var(--ink-500); }

/* ---------- Stats ---------- */
.stats { background: linear-gradient(160deg, var(--navy-800), var(--navy-900)); color: #fff; }
.stats__grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; padding-block: clamp(48px, 7vw, 76px); }
.stat { text-align: center; padding: 8px; position: relative; }
.stat:not(:last-child)::after { content: ""; position: absolute; right: -12px; top: 12%; height: 76%; width: 1px; background: rgba(255, 255, 255, .12); }
.stat__num { display: block; font-size: clamp(2.2rem, 4.5vw, 3.1rem); font-weight: 700; color: #fff; line-height: 1; font-variant-numeric: tabular-nums; letter-spacing: -.02em; }
.stat__num .suffix { color: var(--red); }
.stat__lbl { display: block; margin-top: 12px; font-size: .92rem; color: #aab8d0; }

/* ---------- Services cards ---------- */
.cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.card {
  background: var(--surface); border: 1px solid var(--border); border-radius: var(--r-lg);
  padding: 30px 26px 26px; box-shadow: var(--sh-1); position: relative; overflow: hidden;
  transition: transform var(--dur) var(--ease), box-shadow var(--dur) var(--ease), border-color var(--dur) var(--ease);
}
.card::before { content: ""; position: absolute; left: 0; top: 0; height: 3px; width: 100%; background: linear-gradient(90deg, var(--red), var(--blue)); transform: scaleX(0); transform-origin: left; transition: transform .35s var(--ease); }
.card:hover { transform: translateY(-6px); box-shadow: var(--sh-3); border-color: var(--border-strong); }
.card:hover::before { transform: scaleX(1); }
.card__icon { display: grid; place-items: center; width: 54px; height: 54px; border-radius: var(--r-md); background: rgba(223, 16, 56, .08); color: var(--red); margin-bottom: 18px; transition: background var(--dur) var(--ease), color var(--dur) var(--ease); }
.card__icon .ico { width: 26px; height: 26px; }
.card:hover .card__icon { background: var(--red); color: #fff; }
.card h3 { font-size: 1.18rem; margin-bottom: 10px; }
.card p { font-size: .97rem; color: var(--ink-500); }
.card__kbli { display: inline-block; margin-top: 18px; font-size: .73rem; font-weight: 600; letter-spacing: .05em; color: var(--blue); background: rgba(6, 66, 176, .08); padding: 4px 10px; border-radius: var(--r-sm); }
.disclaimer { max-width: 880px; margin: 40px auto 0; text-align: center; font-size: .9rem; color: var(--ink-500); padding: 16px 22px; background: var(--surface); border: 1px solid var(--border); border-radius: var(--r-md); }

/* ---------- Features (Why us) ---------- */
.features { display: grid; grid-template-columns: repeat(3, 1fr); gap: 26px 32px; }
.feature { display: flex; gap: 16px; align-items: flex-start; }
.feature__icon { display: grid; place-items: center; width: 50px; height: 50px; border-radius: var(--r-md); background: linear-gradient(160deg, rgba(6, 66, 176, .1), rgba(223, 16, 56, .08)); color: var(--blue); flex: none; }
.feature__icon .ico { width: 24px; height: 24px; }
.feature h3 { font-size: 1.1rem; margin-bottom: 6px; }
.feature p { font-size: .95rem; color: var(--ink-500); }

/* ---------- Process steps ---------- */
.steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; counter-reset: step; }
.step { position: relative; background: rgba(255, 255, 255, .04); border: 1px solid rgba(255, 255, 255, .1); border-radius: var(--r-lg); padding: 28px 24px; transition: transform var(--dur) var(--ease), background var(--dur) var(--ease); }
.step:hover { transform: translateY(-5px); background: rgba(255, 255, 255, .07); }
.step__num { font-family: var(--font-sans); font-size: 2.4rem; font-weight: 700; color: var(--red); line-height: 1; display: block; margin-bottom: 14px; font-variant-numeric: tabular-nums; letter-spacing: -.02em; }
.step h3 { color: #fff; font-size: 1.12rem; margin-bottom: 8px; }
.step p { font-size: .93rem; color: #aab8d0; }

/* ---------- Legal ---------- */
.legal { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(32px, 5vw, 64px); align-items: center; }
.legal__intro p { margin-top: 16px; font-size: 1.05rem; color: var(--ink-500); }
.legal__list { margin-top: 24px; display: grid; gap: 12px; }
.legal__list li { display: flex; align-items: center; gap: 12px; font-weight: 500; color: var(--ink-700); }
.legal__list .ico { width: 20px; height: 20px; stroke: var(--success); background: rgba(4, 120, 87, .1); border-radius: 50%; padding: 3px; box-sizing: content-box; }
.legal__panel { background: var(--surface); border: 1px solid var(--border); border-radius: var(--r-xl); box-shadow: var(--sh-3); padding: clamp(26px, 4vw, 38px); }
.legal__panel-title { font-size: 1.18rem; padding-bottom: 16px; margin-bottom: 8px; border-bottom: 2px solid var(--border); }
.legal__table div { display: flex; justify-content: space-between; gap: 16px; padding: 13px 0; border-bottom: 1px solid var(--border); }
.legal__table dt { color: var(--ink-500); font-size: .92rem; flex: none; }
.legal__table dd { margin: 0; font-weight: 600; color: var(--ink-900); text-align: right; font-variant-numeric: tabular-nums; }
.legal__note { margin-top: 18px; font-size: .82rem; color: var(--ink-500); font-style: italic; }

/* ---------- Contact ---------- */
.contact { display: grid; grid-template-columns: .9fr 1.1fr; gap: clamp(32px, 5vw, 64px); align-items: start; }
.contact__list { margin-top: 30px; display: grid; gap: 20px; }
.contact__list li { display: flex; gap: 16px; align-items: flex-start; }
.contact__ico { display: grid; place-items: center; width: 46px; height: 46px; border-radius: var(--r-md); background: rgba(6, 66, 176, .08); color: var(--blue); flex: none; }
.contact__ico .ico { width: 22px; height: 22px; }
.contact__k { display: block; font-size: .78rem; letter-spacing: .05em; text-transform: uppercase; color: var(--ink-500); font-weight: 600; }
.contact__v { display: block; font-weight: 500; color: var(--ink-900); margin-top: 2px; }
a.contact__v:hover { color: var(--red); }

.contact__form { background: var(--surface); border: 1px solid var(--border); border-radius: var(--r-xl); padding: clamp(26px, 4vw, 40px); box-shadow: var(--sh-3); }
.field { margin-bottom: 18px; }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.field label { display: block; font-size: .88rem; font-weight: 600; color: var(--ink-700); margin-bottom: 7px; }
.field input, .field select, .field textarea {
  width: 100%; font-family: inherit; font-size: 1rem; color: var(--ink-900);
  padding: 13px 15px; border: 1px solid var(--border-strong); border-radius: var(--r-md);
  background: #fff; transition: border-color var(--dur) var(--ease), box-shadow var(--dur) var(--ease);
}
.field textarea { resize: vertical; min-height: 110px; }
.field input::placeholder, .field textarea::placeholder { color: var(--ink-300); }
.field input:focus, .field select:focus, .field textarea:focus { outline: none; border-color: var(--blue); box-shadow: 0 0 0 4px var(--ring); }
.field__error { display: none; margin-top: 6px; font-size: .82rem; color: var(--error); }
.field.is-error input, .field.is-error textarea { border-color: var(--error); }
.field.is-error .field__error { display: block; }
.form__success { margin-top: 16px; padding: 14px 16px; background: rgba(4, 120, 87, .08); border: 1px solid rgba(4, 120, 87, .25); border-radius: var(--r-md); color: var(--success); font-size: .92rem; font-weight: 500; }
.form__success:focus-visible { outline: 3px solid var(--ring); outline-offset: 2px; }

/* ---------- CTA band ---------- */
.ctaband { background: linear-gradient(120deg, var(--red-700), var(--red-600) 50%, var(--red)); color: #fff; }
.ctaband__inner { display: flex; align-items: center; justify-content: space-between; gap: 28px; padding-block: clamp(44px, 6vw, 64px); flex-wrap: wrap; }
.ctaband h2 { color: #fff; font-size: clamp(1.5rem, 3vw, 2.1rem); }
.ctaband p { margin-top: 8px; color: #fff; max-width: 46em; }

/* ---------- Footer ---------- */
.footer { background: var(--navy-900); color: #9fb0cc; }
.footer__grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1.4fr; gap: 40px; padding-block: clamp(48px, 6vw, 72px); }
.footer__logo { width: 200px; height: auto; margin-bottom: 18px; }
.footer__brand p { font-size: .95rem; max-width: 30em; line-height: 1.7; }
.footer__col h3 { color: #fff; font-size: .92rem; letter-spacing: .06em; text-transform: uppercase; margin-bottom: 16px; }
.footer__col a, .footer__col p { display: block; font-size: .95rem; color: #9fb0cc; margin-bottom: 10px; transition: color var(--dur) var(--ease); }
.footer__col a:hover { color: #fff; }
.footer__col--contact p { line-height: 1.7; }
.footer__bottom { border-top: 1px solid rgba(255, 255, 255, .08); }
.footer__bottom-inner { display: flex; align-items: center; justify-content: space-between; gap: 12px; padding-block: 20px; flex-wrap: wrap; font-size: .85rem; color: #74849f; }
.footer__nib { font-variant-numeric: tabular-nums; }

/* ---------- To top ---------- */
.to-top {
  position: fixed; right: 22px; bottom: 22px; z-index: 90;
  width: 46px; height: 46px; display: grid; place-items: center;
  background: var(--navy-800); color: #fff; border-radius: 50%; box-shadow: var(--sh-3);
  opacity: 0; visibility: hidden; transform: translateY(12px);
  transition: opacity var(--dur) var(--ease), transform var(--dur) var(--ease), background var(--dur) var(--ease), visibility var(--dur);
}
.to-top.is-visible { opacity: 1; visibility: visible; transform: none; }
.to-top:hover { background: var(--red); }
.to-top .ico { width: 22px; height: 22px; }

/* =========================================================
   Responsive
   ========================================================= */
@media (max-width: 1024px) {
  .hero__inner { grid-template-columns: 1fr; }
  .hero__card { justify-content: flex-start; }
  .idcard { max-width: 460px; }
  .cards, .features { grid-template-columns: repeat(2, 1fr); }
  .steps { grid-template-columns: repeat(2, 1fr); }
  .footer__grid { grid-template-columns: 1fr 1fr; gap: 32px; }
}

@media (max-width: 860px) {
  .nav {
    position: fixed; inset: 0 0 0 auto; width: min(82vw, 340px);
    flex-direction: column; align-items: stretch; justify-content: flex-start; gap: 6px;
    background: #fff; padding: 96px 24px 32px; box-shadow: -20px 0 60px rgba(8, 21, 47, .2);
    transform: translateX(100%); visibility: hidden;
    transition: transform .32s var(--ease), visibility .32s var(--ease); z-index: 99;
  }
  .nav.is-open { transform: none; visibility: visible; }
  .nav__link { font-size: 1.05rem; padding: 13px 14px; }
  .nav__cta { margin-left: 0; margin-top: 10px; text-align: center; }
  .nav-toggle { display: flex; z-index: 100; }
  body.nav-open { overflow: hidden; }
  body.nav-open::after { content: ""; position: fixed; inset: 0; background: rgba(8, 21, 47, .5); z-index: 98; }

  .stats__grid { grid-template-columns: repeat(2, 1fr); gap: 30px 16px; }
  .stat:not(:last-child)::after { display: none; }
  .stat:nth-child(odd)::after { content: ""; display: block; position: absolute; right: -8px; top: 12%; height: 76%; width: 1px; background: rgba(255, 255, 255, .12); }
  .about { grid-template-columns: 1fr; }
  .about__statcard { right: 16px; }
  .legal, .contact { grid-template-columns: 1fr; }
}

@media (max-width: 560px) {
  :root { --gutter: 20px; }
  .topbar__contact { gap: 14px; }
  .topbar__item--hide-sm { display: none; }
  .badge--ghost { display: none; } /* redundant on small screens; claim still in hero/trust/legal/footer */
  .brand__tag { display: none; }
  .cards, .features, .steps, .vmcards, .idcard__grid { grid-template-columns: 1fr; }
  .field-row { grid-template-columns: 1fr; }
  .hero__trust { gap: 14px 20px; }
  .ctaband__inner { flex-direction: column; align-items: flex-start; }
  .footer__grid { grid-template-columns: 1fr; }
  .stat:nth-child(odd)::after { display: none; }
}

/* ---------- Reduced motion ---------- */
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: .001ms !important; animation-iteration-count: 1 !important; transition-duration: .001ms !important; }
  .reveal, .has-js .reveal { opacity: 1; transform: none; }
}