/* Holders — first draft.
   Brand: Whales brandbook, Section IV "Holders (B2C)".
   Palette: White #FFFFFF · Black #000000 · Light Grey #F7F8F9 (monochrome, no accent colour).
   Type: Cygre Medium (titles) / Cygre Book (text). Manrope stands in until Cygre webfonts are licensed.
   Graphics: the square sets the grid; icons sit inside squares; short lines adjacent to square edges mark accents. */

:root {
  --ink: #000000;
  --ink-2: #3c3d41;
  --muted: #8b8d94;
  --line: #e6e7ea;
  --line-dark: #26272b;
  --paper: #ffffff;
  --mist: #f7f8f9;
  --on-dark-2: #a9abb3;

  --display: 'Manrope', 'Helvetica Neue', Arial, sans-serif;
  --text: 'Manrope', 'Helvetica Neue', Arial, sans-serif;
  --max: 1200px;
  --gutter: clamp(16px, 4vw, 40px);
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: 72px; }
body {
  margin: 0; background: var(--paper); color: var(--ink);
  font: 400 17px/1.6 var(--text); -webkit-font-smoothing: antialiased;
}
a { color: inherit; }
img, svg { display: block; }
.wrap { max-width: var(--max); margin: 0 auto; padding: 0 var(--gutter); }
[hidden] { display: none !important; }

/* Placeholder copy the team still has to confirm (entities, prices, partners). */
.tbd { outline: 1px dashed currentColor; outline-offset: 2px; opacity: .75; }

/* ---------- Type ---------- */
h1, h2, h3 { font-family: var(--display); font-weight: 600; letter-spacing: -0.03em; margin: 0; }
h1 { font-size: clamp(44px, 6.4vw, 84px); line-height: 0.98; }
h2 { font-size: clamp(32px, 4.4vw, 56px); line-height: 1.04; }
h3 { font-size: 21px; line-height: 1.25; letter-spacing: -0.015em; }
.lead { font-size: clamp(18px, 1.6vw, 21px); line-height: 1.55; color: var(--ink-2); max-width: 36em; }
.eyebrow {
  font: 600 13px/1 var(--text); letter-spacing: 0.08em; text-transform: uppercase;
  display: flex; align-items: center; gap: 12px; color: var(--ink);
}
.eyebrow .num {
  display: inline-grid; place-items: center; width: 26px; height: 26px;
  background: var(--ink); color: #fff; font-variant-numeric: tabular-nums; letter-spacing: 0;
}
.eyebrow::after { content: ""; flex: 1; height: 1px; background: currentColor; opacity: .18; }
.dark .eyebrow .num { background: #fff; color: var(--ink); }

/* Square + short adjacent line: the brand's accent device */
.sq { width: 8px; height: 8px; background: currentColor; flex: none; display: inline-block; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; gap: 10px; height: 52px; padding: 0 26px;
  font: 600 15px/1 var(--text); text-decoration: none; border-radius: 0;
  border: 1px solid var(--ink); transition: background .15s, color .15s; white-space: nowrap; cursor: pointer;
}
.btn-primary { background: var(--ink); color: #fff; }
.btn-primary:hover { background: #222; }
.btn-ghost { background: transparent; color: var(--ink); }
.btn-ghost:hover { background: var(--ink); color: #fff; }
.on-dark .btn-primary { background: #fff; color: var(--ink); border-color: #fff; }
.on-dark .btn-primary:hover { background: var(--mist); }
.on-dark .btn-ghost { color: #fff; border-color: rgba(255,255,255,.4); }
.on-dark .btn-ghost:hover { background: #fff; color: var(--ink); }
.arrow { transition: transform .15s; }
.btn:hover .arrow { transform: translateX(3px); }

/* ---------- Logo ---------- */
.logo { display: flex; align-items: center; gap: 10px; text-decoration: none; color: var(--ink); }
.logo img { width: 26px; height: 27px; }
.logo span { font: 700 21px/1 var(--display); letter-spacing: -0.03em; }
.on-dark .logo img, footer .logo img { filter: invert(1); }

/* ---------- Header ---------- */
header.site {
  position: sticky; top: 0; z-index: 50; background: rgba(255,255,255,.92);
  backdrop-filter: saturate(1.4) blur(10px); border-bottom: 1px solid var(--line);
}
.nav { display: flex; align-items: center; height: 72px; gap: 32px; }
.nav .logo { padding: 12px 0; }
.nav-links { display: flex; gap: 28px; margin-left: auto; }
.nav-links a { text-decoration: none; font-size: 15px; font-weight: 500; color: var(--ink-2); }
.nav-links a:hover { color: var(--ink); }
.nav-actions { display: flex; align-items: center; gap: 20px; }
.nav-actions .btn { height: 42px; padding: 0 18px; font-size: 14px; }
.label-short { display: none; }

.menu-btn { display: none; width: 44px; height: 44px; margin-right: -10px; border: 0; background: none; cursor: pointer; position: relative; }
.menu-btn span { position: absolute; left: 12px; right: 12px; height: 2px; background: var(--ink); transition: transform .2s, top .2s; }
.menu-btn span:first-child { top: 17px; }
.menu-btn span:last-child { top: 25px; }
.menu-btn[aria-expanded="true"] span:first-child { top: 21px; transform: rotate(45deg); }
.menu-btn[aria-expanded="true"] span:last-child { top: 21px; transform: rotate(-45deg); }
.mobile-menu { border-top: 1px solid var(--line); background: #fff; padding: 8px var(--gutter) 20px; max-height: calc(100vh - 64px); overflow-y: auto; }
.mobile-menu > a { display: flex; align-items: baseline; gap: 14px; padding: 15px 0; border-bottom: 1px solid var(--line); text-decoration: none; font: 600 20px/1.2 var(--display); letter-spacing: -0.02em; }
.mobile-menu > a span { font: 600 12px/1 var(--text); color: var(--muted); font-variant-numeric: tabular-nums; }
.mobile-menu-foot { display: flex; justify-content: space-between; align-items: center; padding-top: 18px; }
.mobile-menu-foot a { font-weight: 600; text-decoration: none; }

/* ---------- Hero ---------- */
.hero { position: relative; background: var(--mist); border-bottom: 1px solid var(--line); overflow: hidden; }
.hero::before { /* square grid */
  content: ""; position: absolute; inset: 0; pointer-events: none;
  background-image:
    linear-gradient(to right, rgba(0,0,0,.045) 1px, transparent 1px),
    linear-gradient(to bottom, rgba(0,0,0,.045) 1px, transparent 1px);
  background-size: 96px 96px;
  mask-image: linear-gradient(to right, transparent 0%, #000 55%);
  -webkit-mask-image: linear-gradient(to right, transparent 0%, #000 55%);
}
.hero-grid {
  position: relative; display: grid; grid-template-columns: 7fr 5fr; gap: 56px; align-items: center;
  padding-top: clamp(56px, 9vw, 120px); padding-bottom: clamp(56px, 8vw, 104px);
}
.origin { display: inline-flex; align-items: center; gap: 10px; font: 600 13px/1 var(--text); letter-spacing: .06em; text-transform: uppercase; margin-bottom: 32px; }
.hero h1 .soft { color: var(--muted); }
.hero .lead { margin: 28px 0 40px; }
.cta-row { display: flex; flex-wrap: wrap; gap: 12px; }
.facts { display: grid; grid-template-columns: repeat(3, 1fr); margin-top: 56px; border-top: 1px solid var(--ink); }
.facts div { padding: 18px 16px 0 0; }
.facts strong { display: block; font: 600 26px/1.1 var(--display); letter-spacing: -0.03em; }
.facts span { font-size: 14px; color: var(--ink-2); }

/* Account panel + card */
.stack { position: relative; justify-self: end; width: 100%; max-width: 420px; padding-bottom: 140px; }
.account {
  background: #fff; border: 1px solid var(--line); padding: 28px; font-size: 15px;
  box-shadow: 0 1px 0 rgba(0,0,0,.02), 0 24px 60px -24px rgba(0,0,0,.22);
}
.account::before { /* short line adjacent to the panel edge */
  content: ""; position: absolute; left: -1px; top: 28px; width: 3px; height: 40px; background: var(--ink);
}
.account-head { display: flex; justify-content: space-between; align-items: center; padding-bottom: 20px; border-bottom: 1px dashed var(--line); }
.account-head .logo img { width: 20px; height: 21px; }
.account-head .logo span { font-size: 16px; }
.account-head small { color: var(--muted); font-size: 13px; font-variant-numeric: tabular-nums; }
.amount { padding: 26px 0 22px; }
.amount .label { font-size: 13px; color: var(--muted); text-transform: uppercase; letter-spacing: .06em; font-weight: 600; }
.amount .value { white-space: nowrap; font: 600 clamp(30px, 3.2vw, 42px)/1.05 var(--display); letter-spacing: -0.04em; margin-top: 6px; font-variant-numeric: tabular-nums; }
.rows { border-top: 1px solid var(--line); }
.rows div { display: flex; justify-content: space-between; gap: 16px; padding: 12px 0; border-bottom: 1px solid var(--line); font-variant-numeric: tabular-nums; }
.rows div span:first-child { color: var(--ink-2); }
.rows div span:last-child { white-space: nowrap; text-align: right; }
.rows .total { font-weight: 600; border-bottom: 0; }
.status { margin-top: 18px; display: flex; align-items: center; gap: 10px; font-size: 14px; font-weight: 500; }

.card {
  position: absolute; left: -48px; bottom: 0; width: 260px; aspect-ratio: 1.586; padding: 18px 20px;
  background: linear-gradient(135deg, #1b1b1f 0%, #000 55%, #24202e 100%); color: #fff;
  border-radius: 12px; box-shadow: 0 24px 50px -18px rgba(0,0,0,.55);
  display: flex; flex-direction: column; justify-content: space-between; transform: rotate(-4deg);
}
.card-top { display: flex; justify-content: space-between; align-items: center; }
.card-top img { width: 22px; height: 23px; filter: invert(1); }
.card-top b { font: 600 11px/1 var(--text); letter-spacing: .14em; color: var(--on-dark-2); }
.card-chip { width: 34px; height: 26px; border-radius: 4px; background: linear-gradient(135deg, #c9c9cf, #7b7b82); }
.card-bottom { display: flex; justify-content: space-between; align-items: end; font: 500 14px/1 var(--text); letter-spacing: .1em; font-variant-numeric: tabular-nums; }
.card-bottom small { font-size: 10px; letter-spacing: .12em; color: var(--on-dark-2); }

/* ---------- Trust bar ---------- */
.trustbar { background: var(--ink); color: #fff; }
.trustbar .wrap { display: grid; grid-template-columns: repeat(4, 1fr); }
.trustbar .wrap > div { padding: 22px 24px 22px 0; display: flex; flex-direction: column; gap: 4px; }
.trustbar .wrap > div + div { padding-left: 24px; border-left: 1px solid var(--line-dark); }
.trustbar b { font: 600 15px/1.3 var(--display); display: flex; align-items: center; gap: 10px; }
.trustbar b .sq { width: 6px; height: 6px; background: #fff; }
.trustbar span { font-size: 13.5px; color: var(--on-dark-2); }

/* ---------- Assets strip ---------- */
.assets { border-bottom: 1px solid var(--line); }
.assets .wrap { display: flex; align-items: center; gap: 32px; padding-top: 26px; padding-bottom: 26px; flex-wrap: wrap; }
.assets p { margin: 0; font-size: 14px; color: var(--ink-2); }
.chips { display: flex; flex-wrap: wrap; gap: 8px; }
.chip { display: inline-flex; align-items: center; gap: 8px; font: 600 13px/1 var(--text); letter-spacing: .04em; padding: 6px 14px 6px 6px; border: 1px solid var(--line); background: #fff; }
.chip i { width: 20px; height: 20px; display: grid; place-items: center; background: var(--ink); color: #fff; font: 700 11px/1 var(--text); font-style: normal; }
.chip .net { width: 20px; height: 20px; flex: none; }
.assets .note { margin-left: auto; color: var(--muted); }

/* ---------- Sections ---------- */
section.block { padding: clamp(72px, 10vw, 128px) 0; }
.sec-head { display: grid; grid-template-columns: 5fr 7fr; gap: 56px; align-items: end; margin: 28px 0 64px; }
.sec-head .lead { margin: 0; }

/* Square icon tiles (brandbook: flat glyphs fitted into squares, light or black) */
.tile { width: 48px; height: 48px; display: grid; place-items: center; background: var(--ink); color: #fff; }
.tile svg { width: 24px; height: 24px; }
.tile.light { background: var(--mist); color: var(--ink); }

/* Cards row */
.products { display: grid; grid-template-columns: repeat(4, 1fr); border-top: 1px solid var(--ink); }
.product { padding: 28px 28px 32px 0; border-right: 1px solid var(--line); display: flex; flex-direction: column; }
.product + .product { padding-left: 28px; }
.product:last-child { border-right: 0; padding-right: 0; }
.product .idx { font: 600 13px/1 var(--text); color: var(--muted); font-variant-numeric: tabular-nums; }
.product .tile { margin: 28px 0 24px; }
.product h3 { margin-bottom: 12px; }
.product p { margin: 0 0 20px; color: var(--ink-2); font-size: 15.5px; }
.product ul { list-style: none; margin: auto 0 0; padding: 0; font-size: 14px; }
.product li { padding: 9px 0; border-top: 1px solid var(--line); display: flex; gap: 10px; }
.product li::before { content: "—"; color: var(--muted); }
.swipe-hint { display: none; }

/* Cheque feature */
.feature { margin-top: clamp(56px, 7vw, 96px); display: grid; grid-template-columns: 5fr 7fr; gap: 56px; align-items: center; }
.feature h3 { font-size: clamp(26px, 2.6vw, 34px); letter-spacing: -0.03em; }
.feature .lead { margin-top: 16px; font-size: 17px; }
.cheque {
  position: relative; background: #fff; border: 1px solid var(--ink); padding: 28px 32px 24px;
  font-size: 14px; font-variant-numeric: tabular-nums;
}
.cheque::after { /* perforated stub */
  content: ""; position: absolute; top: 0; bottom: 0; right: 132px; border-left: 1px dashed var(--line);
}
.cheque-head { display: flex; justify-content: space-between; align-items: center; padding-right: 140px; }
.cheque-head .logo img { width: 20px; height: 21px; }
.cheque-head .logo span { font-size: 16px; }
.cheque-head small { color: var(--muted); }
.cheque-line { display: grid; grid-template-columns: 90px 1fr; gap: 12px; align-items: end; margin-top: 22px; padding-right: 140px; }
.cheque-line span { color: var(--muted); font-size: 12px; text-transform: uppercase; letter-spacing: .06em; font-weight: 600; }
.cheque-line b { font: 500 16px/1.3 var(--display); border-bottom: 1px solid var(--line); padding-bottom: 6px; }
.cheque-line b.big { font-size: 26px; font-weight: 600; letter-spacing: -0.03em; }
.cheque-foot { display: flex; justify-content: space-between; align-items: end; margin-top: 26px; padding-right: 140px; color: var(--muted); font-size: 12.5px; }
.cheque-sig { white-space: nowrap; font: italic 500 18px/1 Georgia, serif; color: var(--ink); border-bottom: 1px solid var(--ink); padding: 0 24px 4px 0; }
.cheque-qr { position: absolute; right: 24px; top: 50%; transform: translateY(-50%); width: 84px; text-align: center; font-size: 11px; color: var(--muted); }
.cheque-qr svg { width: 84px; height: 84px; margin-bottom: 8px; }

/* How it works (dark) */
.dark { background: var(--ink); color: #fff; }
.dark .eyebrow { color: #fff; }
.dark .lead { color: var(--on-dark-2); }
.flow { display: grid; grid-template-columns: 1fr auto 1fr auto 1fr; border-top: 1px solid rgba(255,255,255,.9); }
.flow-step { padding: 28px 0 8px; }
.flow-step .k { font: 600 13px/1 var(--text); letter-spacing: .06em; text-transform: uppercase; color: #8f9199; display: flex; align-items: center; gap: 10px; }
.flow-step .k .sq { width: 6px; height: 6px; background: #fff; }
.flow-step .v { font: 600 clamp(24px, 2.6vw, 34px)/1.1 var(--display); letter-spacing: -0.03em; margin: 14px 0 10px; }
.flow-step p { margin: 0; color: var(--on-dark-2); font-size: 15.5px; max-width: 22em; }
.flow-arrow { display: flex; align-items: center; padding: 0 28px; color: #fff; }
.onboard { margin-top: 88px; display: grid; grid-template-columns: 5fr 7fr; gap: 56px; }
.steps { list-style: none; margin: 0; padding: 0; counter-reset: s; }
.steps li { counter-increment: s; display: grid; grid-template-columns: 64px 1fr; padding: 22px 0; border-top: 1px solid var(--line-dark); }
.steps li:last-child { border-bottom: 1px solid var(--line-dark); }
.steps li::before { content: "0" counter(s); font: 600 15px/1.6 var(--display); color: #fff; }
.steps strong { display: block; font: 600 18px/1.4 var(--display); margin-bottom: 4px; }
.steps span { color: var(--on-dark-2); font-size: 15.5px; }

/* Plans */
.plans { display: grid; grid-template-columns: 1fr 1fr; gap: 0; border: 1px solid var(--ink); }
.plan { padding: clamp(28px, 4vw, 44px); display: flex; flex-direction: column; }
.plan + .plan { border-left: 1px solid var(--ink); background: var(--ink); color: #fff; }
.plan .tag { font: 600 12px/1 var(--text); letter-spacing: .08em; text-transform: uppercase; color: var(--muted); }
.plan h3 { font-size: 30px; letter-spacing: -0.03em; margin: 14px 0 0; }
.plan .price { font: 600 clamp(48px, 5vw, 64px)/1 var(--display); letter-spacing: -0.05em; margin: 18px 0 4px; }
.plan .per { font-size: 14px; color: var(--ink-2); }
.plan + .plan .per, .plan + .plan .tag { color: var(--on-dark-2); }
.included { list-style: none; margin: 28px 0 32px; padding: 0; }
.included li { padding: 12px 0 12px 26px; border-top: 1px solid var(--line); position: relative; font-size: 15.5px; }
.plan + .plan .included li { border-top-color: var(--line-dark); }
.included li::before { content: ""; position: absolute; left: 0; top: 19px; width: 8px; height: 8px; background: currentColor; }
.plan .btn { margin-top: auto; align-self: flex-start; }
.plan .invite { margin: auto 0 0; display: flex; align-items: center; gap: 10px; font-size: 15px; color: var(--on-dark-2); }
.plan .invite .sq { background: #fff; }

.fees { margin-top: clamp(56px, 7vw, 88px); border-top: 1px solid var(--ink); }
.fees-head { padding: 28px 0 20px; }
.fees-head h3 { font-size: 24px; letter-spacing: -0.02em; }
.fees-head p { margin: 6px 0 0; color: var(--ink-2); font-size: 15.5px; }
.table-scroll { overflow-x: auto; -webkit-overflow-scrolling: touch; }
.fees-table { width: 100%; border-collapse: collapse; font-size: 15.5px; font-variant-numeric: tabular-nums; }
.fees-table th { text-align: left; font: 600 12px/1 var(--text); letter-spacing: .08em; text-transform: uppercase; color: var(--muted); padding: 12px 0; border-bottom: 1px solid var(--line); }
.fees-table td { padding: 16px 0; border-bottom: 1px solid var(--line); }
.fees-table .num { text-align: right; padding-left: 24px; white-space: nowrap; }
.fees-note { margin: 16px 0 0; font-size: 13px; color: var(--muted); max-width: 60em; }

/* Private bankers */
.trust { background: var(--mist); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.trust-grid { display: grid; grid-template-columns: 5fr 7fr; gap: 56px; }
.pillars { display: grid; grid-template-columns: 1fr 1fr; border-top: 1px solid var(--ink); }
.pillar { padding: 28px 28px 28px 0; border-bottom: 1px solid var(--line); }
.pillar:nth-child(even) { padding-left: 28px; padding-right: 0; border-left: 1px solid var(--line); }
.pillar .tile { width: 40px; height: 40px; margin-bottom: 18px; }
.pillar .tile svg { width: 20px; height: 20px; }
.pillar h3 { margin-bottom: 10px; font-size: 19px; }
.pillar p { margin: 0; color: var(--ink-2); font-size: 15.5px; }

.proposal-wrap { position: relative; }
.proposal-wrap::before { content: ""; position: absolute; left: -12px; top: 32px; width: 3px; height: 56px; background: var(--ink); }
.proposal { position: relative; max-width: 440px; }
.proposal::before { display: none; }
.banker { display: flex; align-items: center; gap: 12px; }
.banker > i { width: 40px; height: 40px; display: grid; place-items: center; background: var(--ink); color: #fff; font: 600 14px/1 var(--display); font-style: normal; flex: none; }
.banker b { display: block; font: 600 15px/1.2 var(--display); }
.banker small { display: block; color: var(--muted); font-size: 12.5px; }
.proposal-note { margin: 20px 0; font-size: 15px; line-height: 1.55; color: var(--ink-2); }
.proposal-actions { display: flex; gap: 8px; margin-top: 20px; }
.proposal-actions .btn { height: 44px; padding: 0 16px; font-size: 14px; cursor: default; }

/* FAQ */
.faq-grid { display: grid; grid-template-columns: 5fr 7fr; gap: 56px; }
#faq details { border-top: 1px solid var(--line); }
#faq details:last-of-type { border-bottom: 1px solid var(--line); }
#faq summary {
  list-style: none; cursor: pointer; padding: 24px 40px 24px 0; position: relative;
  font: 600 18px/1.4 var(--display); letter-spacing: -0.015em;
}
#faq summary::-webkit-details-marker { display: none; }
#faq summary::after {
  content: ""; position: absolute; right: 4px; top: 50%; width: 14px; height: 14px; margin-top: -7px;
  background: linear-gradient(var(--ink),var(--ink)) center/14px 2px no-repeat, linear-gradient(var(--ink),var(--ink)) center/2px 14px no-repeat;
  transition: transform .2s;
}
#faq details[open] summary::after { transform: rotate(45deg); }
#faq details p { margin: 0 0 24px; color: var(--ink-2); max-width: 40em; }

/* Contact / CTA */
.cta { padding: clamp(72px, 10vw, 128px) 0; }
.cta-grid { display: grid; grid-template-columns: 7fr 5fr; gap: 56px; align-items: end; }
.cta h2 { font-size: clamp(40px, 6vw, 80px); line-height: 1; }
.cta .lead { margin: 24px 0 36px; }
.stores { display: flex; flex-wrap: wrap; gap: 12px; }
.store { display: inline-flex; align-items: center; gap: 12px; height: 56px; padding: 0 22px 0 18px; border: 1px solid var(--ink); background: var(--ink); text-decoration: none; color: #fff; transition: background .15s, color .15s; }
.store:hover { background: #222; }
.on-dark .store { background: transparent; border-color: rgba(255,255,255,.4); }
.on-dark .store:hover { background: #fff; color: var(--ink); }
.text-link { display: inline-flex; gap: 8px; margin-top: 20px; font: 600 15px/1.3 var(--text); text-decoration: none; border-bottom: 1px solid currentColor; padding-bottom: 2px; }
.text-link:hover .arrow { transform: translateX(3px); }
.store svg { width: 22px; height: 22px; }
.store small { display: block; font-size: 11px; opacity: .7; line-height: 1.1; }
.store b { display: block; font: 600 16px/1.2 var(--display); }
.contacts { display: grid; border-top: 1px solid rgba(255,255,255,.9); }
.contacts a, .contacts div { display: flex; justify-content: space-between; gap: 16px; padding: 18px 0; border-bottom: 1px solid var(--line-dark); text-decoration: none; font-size: 15.5px; }
.contacts span { color: #8f9199; }
.contacts a:hover b { text-decoration: underline; text-underline-offset: 4px; }
.contacts b { font-weight: 500; text-align: right; }

/* Footer */
footer.site { background: var(--ink); color: #8f9199; border-top: 1px solid var(--line-dark); font-size: 14px; }
footer .wrap { display: flex; flex-wrap: wrap; align-items: center; gap: 16px 32px; padding-top: 32px; padding-bottom: 32px; }
footer .logo { color: #fff; }
footer nav { display: flex; flex-wrap: wrap; gap: 8px 24px; margin-left: auto; }
footer a { text-decoration: none; }
footer a:hover { color: #fff; }

/* Legal pages */
.legal { padding: clamp(56px, 8vw, 104px) 0; }
.legal .wrap { max-width: 820px; }
.legal h1 { font-size: clamp(36px, 5vw, 56px); margin: 24px 0 16px; }
.legal h2 { font-size: 22px; letter-spacing: -0.02em; margin: 40px 0 10px; }
.legal p, .legal li { color: var(--ink-2); }
.legal .updated { margin: 0; font-size: 14px; color: var(--muted); }
.legal h3 { font-size: 17px; margin: 24px 0 6px; }
.legal ul { padding-left: 20px; margin: 8px 0 16px; }
.legal li { margin: 6px 0; }
.legal a { text-decoration: underline; text-underline-offset: 3px; }
.legal dl { display: grid; grid-template-columns: 220px 1fr; margin: 16px 0 0; border-top: 1px solid var(--line); }
.legal dt, .legal dd { margin: 0; padding: 12px 0; border-bottom: 1px solid var(--line); }
.legal dt { font-weight: 600; color: var(--ink); padding-right: 16px; }
.legal dd { color: var(--ink-2); }
@media (max-width: 720px) { .legal dl { grid-template-columns: 1fr; } .legal dt { border-bottom: 0; padding-bottom: 0; } }

/* ---------- Responsive ---------- */
.hero-grid > *, .sec-head > *, .trust-grid > *, .faq-grid > *, .cta-grid > *, .onboard > *, .flow > *, .feature > * { min-width: 0; }
@media (max-width: 1200px) {
  .nav-links { display: none; }
  .nav-actions { margin-left: auto; }
  .menu-btn { display: block; }
}
@media (min-width: 1201px) { .mobile-menu { display: none !important; } }
@media (max-width: 1024px) {
  .hero-grid, .sec-head, .onboard, .trust-grid, .faq-grid, .cta-grid, .feature { grid-template-columns: 1fr; gap: 40px; }
  .stack { justify-self: start; margin-left: 48px; }
  .products { grid-template-columns: 1fr 1fr; }
  .product { padding: 28px 24px 32px 0 !important; border-right: 0; border-bottom: 1px solid var(--line); }
  .product:nth-child(even) { padding-left: 24px !important; padding-right: 0 !important; border-left: 1px solid var(--line); }
  .trustbar .wrap { grid-template-columns: 1fr 1fr; }
  .trustbar .wrap > div:nth-child(3) { padding-left: 0; border-left: 0; }
  .trustbar .wrap > div:nth-child(n+3) { border-top: 1px solid var(--line-dark); }
}
@media (max-width: 720px) {
  body { font-size: 16px; }
  .nav { height: 64px; gap: 12px; }
  .nav-actions .btn { height: 38px; font-size: 13px; padding: 0 12px; }
  section.block, .cta { padding: 56px 0; }
  .sec-head { margin: 20px 0 32px; gap: 16px; }
  h1 { font-size: 46px; }
  h2 { font-size: 32px; }

  .hero-grid { padding-top: 36px; padding-bottom: 40px; gap: 32px; }
  .origin { font-size: 11px; margin-bottom: 20px; }
  .hero .lead { margin: 20px 0 28px; font-size: 17px; }
  .cta-row { flex-direction: column; }
  .cta-row .btn { width: 100%; justify-content: center; }
  .facts { margin-top: 36px; }
  .facts div { padding: 14px 8px 0 0; }
  .facts strong { font-size: 20px; }
  .facts span { font-size: 12px; line-height: 1.35; display: block; margin-top: 4px; }
  .stack { margin-left: 0; padding-bottom: 124px; }
  .account { padding: 20px; }
  .card { left: auto; right: 0; width: 220px; }

  .trustbar .wrap > div, .trustbar .wrap > div + div { padding: 16px 12px 16px 0; border-left: 0; }
  .trustbar .wrap > div:nth-child(even) { padding-left: 12px; border-left: 1px solid var(--line-dark); }
  .trustbar b { font-size: 13.5px; }
  .trustbar span { font-size: 12px; line-height: 1.35; }
  .assets .wrap { gap: 12px; padding-top: 18px; padding-bottom: 18px; }
  .assets .note { margin-left: 0; }

  /* Cards become a swipeable row */
  .products {
    display: flex; overflow-x: auto; scroll-snap-type: x mandatory; gap: 12px;
    margin: 0 calc(var(--gutter) * -1); padding: 0 var(--gutter) 4px; border-top: 0; scrollbar-width: none;
  }
  .products::-webkit-scrollbar { display: none; }
  .product, .product + .product, .product:nth-child(even), .product:last-child {
    flex: 0 0 84%; scroll-snap-align: start; scroll-margin-left: var(--gutter);
    border: 1px solid var(--line) !important; border-top: 2px solid var(--ink) !important;
    padding: 20px 20px 22px !important; background: #fff;
  }
  .product .tile { margin: 16px 0; }
  .swipe-hint { display: block; margin: 14px 0 0; font-size: 13px; color: var(--muted); }

  .cheque { padding: 20px 20px 132px; }
  .cheque::after { display: none; }
  .cheque-head, .cheque-line, .cheque-foot { padding-right: 0; }
  .cheque-foot { flex-direction: column; align-items: flex-start; gap: 16px; }
  .cheque-line { grid-template-columns: 70px 1fr; }
  .cheque-qr { top: auto; bottom: 20px; right: 20px; transform: none; }

  .flow { grid-template-columns: 1fr; }
  .flow-arrow { padding: 12px 0 0; transform: rotate(90deg); justify-content: flex-start; width: 24px; }
  .onboard { margin-top: 48px; gap: 24px; }
  .steps li { grid-template-columns: 44px 1fr; padding: 18px 0; }

  .plans { grid-template-columns: 1fr; }
  .plan + .plan { border-left: 0; border-top: 1px solid var(--ink); }
  .plan .btn { width: 100%; justify-content: center; }
  .fees-table { font-size: 14.5px; }
  .hide-sm { display: none; }

  .pillars { grid-template-columns: 1fr; }
  .pillar, .pillar:nth-child(even) { padding: 24px 0; border-left: 0; }
  .proposal-wrap::before { display: none; }
  .proposal-actions { flex-direction: column; }
  .proposal-actions .btn { justify-content: center; }

  #faq summary { font-size: 16.5px; padding: 18px 36px 18px 0; }
  .cta h2 { font-size: 40px; }
  .contacts a, .contacts div { flex-direction: column; gap: 2px; }
  .contacts b { text-align: left; }
  footer nav { margin-left: 0; }
}
@media (max-width: 400px) {
  :root { --gutter: 16px; }
  .nav-actions .btn .label-long { display: none; }
  .nav-actions .btn .label-short { display: inline; }
  h1 { font-size: 40px; }
  h2 { font-size: 29px; }
  .cta h2 { font-size: 34px; }
  .facts strong { font-size: 18px; }
  .amount .value { font-size: 30px; }
}
@media (max-width: 480px) { .stores .store { flex: 1 1 100%; justify-content: center; } }