:root {
     --navy: #0B1C3F;
     --navy2: #152d5e;
     --teal: #0474ff;
     --teal-light: #0474ff17;
     --teal-mid: #00875F;
     --gold: #E8A838;
     --gold-light: #FEF6E7;
     --slate: #4A5568;
     --slate-light: #718096;
     --bg: #F8F9FC;
     --white: #FFFFFF;
     --border: #E2E8F0;
     --text: #1A202C;
 }

 *,
 *::before,
 *::after {
     box-sizing: border-box;
     margin: 0;
     padding: 0;
 }

 html {
     scroll-behavior: smooth;
 }

 body {
     font-family: 'DM Sans', sans-serif;
     background: var(--bg);
     color: var(--text);
     line-height: 1.6;
     -webkit-font-smoothing: antialiased;
 }

 /* NAV */
 nav {
     position: fixed;
     top: 0;
     left: 0;
     right: 0;
     z-index: 100;
     background: rgba(255, 255, 255, 0.92);
     backdrop-filter: blur(12px);
     border-bottom: 1px solid var(--border);
     padding: 0 5%;
     display: flex;
     align-items: center;
     justify-content: space-between;
     height: 64px;
 }

 .nav-logo {
     display: flex;
     align-items: center;
     gap: 10px;
     /* font-family: 'DM Serif', serif; */
     text-transform: uppercase;
     font-weight: bold;
     font-size: 1.2rem;
     color: var(--navy);
     text-decoration: none;
 }

 .nav-logo-icon {
     width: 92px;
     height: 32px;
     background: transparent;
     border-radius: 8px;
     display: flex;
     align-items: center;
     justify-content: center;
 }

 .nav-logo-icon svg {
     width: 18px;
     height: 18px;
     fill: var(--teal);
 }

 .nav-links {
     display: flex;
     align-items: center;
     gap: 32px;
 }

 .nav-links a {
     font-size: 0.875rem;
     color: var(--slate);
     text-decoration: none;
     font-weight: 500;
     transition: color 0.2s;
 }

 .nav-links a:hover {
     color: var(--navy);
 }

 .nav-cta {
     background: var(--teal);
     color: white !important;
     padding: 8px 20px;
     border-radius: 8px;
     font-size: 0.875rem !important;
     font-weight: 600 !important;
     transition: background 0.2s !important;
 }

 .nav-cta:hover {
     background: #ffff !important;
     color: var(--teal) !important;
 }

 /* HERO */
 .hero {
     padding: 140px 5% 80px;
     background: var(--navy);
     position: relative;
     overflow: hidden;
     min-height: 92vh;
     display: flex;
     align-items: center;
 }

 .hero-grid-bg {
     position: absolute;
     inset: 0;
     background-image:
         linear-gradient(rgba(0, 168, 120, 0.06) 1px, transparent 1px),
         linear-gradient(90deg, rgba(0, 168, 120, 0.06) 1px, transparent 1px);
     background-size: 48px 48px;
 }

 .hero-glow {
     position: absolute;
     top: -200px;
     right: -100px;
     width: 700px;
     height: 700px;
     border-radius: 50%;
     background: radial-gradient(circle, rgba(0, 168, 120, 0.18) 0%, transparent 70%);
 }

 .hero-glow2 {
     position: absolute;
     bottom: -200px;
     left: -100px;
     width: 500px;
     height: 500px;
     border-radius: 50%;
     background: radial-gradient(circle, rgba(232, 168, 56, 0.1) 0%, transparent 70%);
 }

 .hero-inner {
     position: relative;
     z-index: 2;
     display: grid;
     grid-template-columns: 1fr 1fr;
     gap: 80px;
     align-items: center;
     max-width: 1200px;
     margin: 0 auto;
     width: 100%;
 }

 .hero-badge {
     display: inline-flex;
     align-items: center;
     gap: 8px;
     background: rgb(4 116 255 / 22%);
     border: 1px solid rgb(4 116 255);
     color: #fff;
     border-radius: 999px;
     padding: 6px 14px;
     font-size: 0.8rem;
     font-weight: 600;
     letter-spacing: 0.05em;
     text-transform: uppercase;
     margin-bottom: 24px;
 }

 .hero-badge span {
     width: 6px;
     height: 6px;
     background: var(--teal);
     border-radius: 50%;
     animation: pulse 2s infinite;
 }

 @keyframes pulse {

     0%,
     100% {
         opacity: 1;
         transform: scale(1)
     }

     50% {
         opacity: 0.5;
         transform: scale(1.4)
     }
 }

 .hero h1 {
     font-family: 'DM Serif Display', serif;
     font-size: clamp(2.4rem, 4vw, 3.4rem);
     color: white;
     line-height: 1.15;
     margin-bottom: 20px;
     font-weight: 400;
 }

 .hero h1 em {
     color: #6badff;
     font-style: italic;
 }

 .hero-sub {
     font-size: 1.05rem;
     color: rgba(255, 255, 255, 0.65);
     line-height: 1.75;
     margin-bottom: 36px;
     max-width: 500px;
 }

 .hero-actions {
     display: flex;
     gap: 14px;
     flex-wrap: wrap;
 }

 .btn-primary {
     background: var(--teal);
     color: white;
     padding: 14px 28px;
     border-radius: 10px;
     font-weight: 600;
     font-size: 0.95rem;
     text-decoration: none;
     display: inline-flex;
     align-items: center;
     gap: 8px;
     transition: all 0.2s;
     border: none;
     cursor: pointer;
 }

 .btn-primary:hover {
     background: #fff;
     color: var(--teal);
     transform: translateY(-1px);
 }

 .btn-ghost {
     background: transparent;
     color: white;
     padding: 14px 28px;
     border-radius: 10px;
     font-weight: 500;
     font-size: 0.95rem;
     text-decoration: none;
     border: 1px solid rgba(255, 255, 255, 0.2);
     transition: all 0.2s;
     display: inline-flex;
     align-items: center;
     gap: 8px;
 }

 .btn-ghost:hover {
     background: rgba(255, 255, 255, 0.07);
 }

 .hero-trust {
     margin-top: 40px;
     display: flex;
     align-items: center;
     gap: 20px;
     font-size: 0.82rem;
     color: rgba(255, 255, 255, 0.45);
 }

 .hero-trust-item {
     display: flex;
     align-items: center;
     gap: 6px;
 }

 .trust-dot {
     width: 4px;
     height: 4px;
     background: rgba(255, 255, 255, 0.25);
     border-radius: 50%;
 }

 /* DASHBOARD MOCKUP */
 .hero-visual {
     position: relative;
 }

 .dashboard-frame {
     background: #1A2744;
     border-radius: 16px;
     overflow: hidden;
     border: 1px solid rgba(255, 255, 255, 0.08);
     box-shadow: 0 40px 80px rgba(0, 0, 0, 0.5);
     transform: perspective(1000px) rotateY(-4deg) rotateX(2deg);
     transition: transform 0.5s ease;
 }

 .dashboard-frame:hover {
     transform: perspective(1000px) rotateY(-1deg) rotateX(1deg);
 }

 .dash-topbar {
     background: #0F1A35;
     padding: 12px 16px;
     display: flex;
     align-items: center;
     gap: 8px;
     border-bottom: 1px solid rgba(255, 255, 255, 0.06);
 }

 .dash-dot {
     width: 10px;
     height: 10px;
     border-radius: 50%;
 }

 .dash-title {
     margin-left: 8px;
     font-size: 0.75rem;
     color: rgba(255, 255, 255, 0.4);
     font-weight: 500;
 }

 .dash-body {
     padding: 20px;
 }

 .dash-stat-row {
     display: grid;
     grid-template-columns: repeat(3, 1fr);
     gap: 10px;
     margin-bottom: 16px;
 }

 .dash-stat {
     background: rgba(255, 255, 255, 0.04);
     border-radius: 10px;
     padding: 14px;
     border: 1px solid rgba(255, 255, 255, 0.06);
 }

 .dash-stat-val {
     font-size: 1.3rem;
     font-weight: 600;
     color: white;
 }

 .dash-stat-label {
     font-size: 0.7rem;
     color: rgba(255, 255, 255, 0.4);
     margin-top: 3px;
 }

 .dash-stat-change {
     font-size: 0.7rem;
     color: var(--teal-mid);
     margin-top: 2px;
 }

 .dash-table-head {
     display: grid;
     grid-template-columns: 2fr 1fr 1fr 1fr;
     gap: 8px;
     padding: 8px 12px;
     margin-bottom: 4px;
     font-size: 0.65rem;
     color: rgba(255, 255, 255, 0.3);
     text-transform: uppercase;
     letter-spacing: 0.08em;
 }

 .dash-row {
     display: grid;
     grid-template-columns: 2fr 1fr 1fr 1fr;
     gap: 8px;
     padding: 10px 12px;
     border-radius: 8px;
     font-size: 0.75rem;
     color: rgba(255, 255, 255, 0.75);
     border: 1px solid transparent;
     transition: all 0.2s;
     margin-bottom: 3px;
 }

 .dash-row:hover {
     background: rgba(255, 255, 255, 0.04);
     border-color: rgba(255, 255, 255, 0.06);
 }

 .dash-badge {
     display: inline-block;
     padding: 2px 8px;
     border-radius: 999px;
     font-size: 0.65rem;
     font-weight: 600;
 }

 .badge-paid {
     background: rgba(0, 168, 120, 0.2);
     color: var(--teal);
 }

 .badge-pending {
     background: rgba(232, 168, 56, 0.2);
     color: #F6C95E;
 }

 .badge-transfer {
     background: rgba(255, 255, 255, 0.08);
     color: rgba(255, 255, 255, 0.4);
 }

 /* SECTION COMMON */
 section {
     padding: 96px 5%;
 }

 .container {
     max-width: 1200px;
     margin: 0 auto;
 }

 .section-eyebrow {
     font-size: 0.78rem;
     font-weight: 600;
     letter-spacing: 0.1em;
     text-transform: uppercase;
     color: var(--teal);
     margin-bottom: 14px;
 }

 .section-title {
     font-family: 'DM Serif Display', serif;
     font-size: clamp(1.8rem, 3vw, 2.6rem);
     color: var(--navy);
     line-height: 1.2;
     margin-bottom: 16px;
 }

 .section-sub {
     font-size: 1rem;
     color: var(--slate);
     max-width: 560px;
     line-height: 1.75;
 }

 /* PROBLEM STRIP */
 .problem-strip {
     background: white;
     border-top: 4px solid var(--gold);
     border-bottom: 1px solid var(--border);
     padding: 48px 5%;
 }

 .problem-inner {
     max-width: 1200px;
     margin: 0 auto;
     display: grid;
     grid-template-columns: 1fr 2fr;
     gap: 60px;
     align-items: center;
 }

 .problem-label {
     font-family: 'DM Serif Display', serif;
     font-size: 1.6rem;
     color: var(--navy);
     line-height: 1.3;
 }

 .problem-label em {
     color: var(--gold);
     font-style: italic;
 }

 .problems-grid {
     display: grid;
     grid-template-columns: 1fr 1fr;
     gap: 16px;
 }

 .problem-item {
     display: flex;
     gap: 12px;
     align-items: flex-start;
     padding: 16px;
     background: var(--bg);
     border-radius: 10px;
     border: 1px solid var(--border);
 }

 .problem-icon {
     width: 32px;
     height: 32px;
     background: var(--gold-light);
     border-radius: 8px;
     display: flex;
     align-items: center;
     justify-content: center;
     font-size: 15px;
     flex-shrink: 0;
 }

 .problem-text {
     font-size: 0.875rem;
     color: var(--slate);
     line-height: 1.5;
 }

 .problem-text strong {
     color: var(--text);
     display: block;
     margin-bottom: 3px;
     font-weight: 600;
 }

 /* HOW IT WORKS */
 .how {
     background: var(--bg);
 }

 .how-steps {
     display: grid;
     grid-template-columns: repeat(3, 1fr);
     gap: 2px;
     margin-top: 56px;
     position: relative;
 }

 .step {
     background: white;
     padding: 36px 32px;
     border: 1px solid var(--border);
     position: relative;
 }

 .step:first-child {
     border-radius: 16px 0 0 16px;
 }

 .step:last-child {
     border-radius: 0 16px 16px 0;
 }

 .step-num {
     font-family: 'DM Serif Display', serif;
     font-size: 3.5rem;
     color: var(--border);
     line-height: 1;
     margin-bottom: 16px;
     display: block;
 }

 .step-icon {
     width: 48px;
     height: 48px;
     border-radius: 12px;
     display: flex;
     background: var(--teal-light) !important;
     align-items: center;
     justify-content: center;
     font-size: 22px;
     margin-bottom: 20px;
 }

 .step-title {
     font-size: 1.1rem;
     font-weight: 600;
     color: var(--navy);
     margin-bottom: 10px;
 }

 .step-body {
     font-size: 0.9rem;
     color: var(--slate);
     line-height: 1.65;
 }

 .step-arrow {
     position: absolute;
     right: -18px;
     top: 50%;
     transform: translateY(-50%);
     width: 36px;
     height: 36px;
     background: white;
     border: 1px solid var(--border);
     border-radius: 50%;
     display: flex;
     align-items: center;
     justify-content: center;
     z-index: 5;
     color: var(--teal);
     font-size: 14px;
 }

 .step:last-child .step-arrow {
     display: none;
 }

 .step-detail {
     margin-top: 16px;
     padding-top: 16px;
     border-top: 1px solid var(--border);
     font-size: 0.8rem;
     color: var(--slate-light);
 }

 .step-detail li {
     margin-bottom: 5px;
     padding-left: 4px;
 }

 .step-detail li::before {
     content: "→ ";
     color: var(--teal);
     font-weight: 700;
 }

 /* FEATURES */
 .features {
     background: white;
 }

 .features-grid {
     display: grid;
     grid-template-columns: repeat(3, 1fr);
     gap: 24px;
     margin-top: 56px;
 }

 .feature-card {
     padding: 28px;
     border-radius: 14px;
     border: 1px solid var(--border);
     background: var(--bg);
     transition: all 0.25s;
 }

 .feature-card:hover {
     border-color: var(--teal);
     background: var(--teal-light);
     transform: translateY(-3px);
     box-shadow: 0 12px 32px rgba(0, 168, 120, 0.1);
 }

 .feature-icon {
     width: 55px;
     height: 55px;
     border-radius: 12px;
     background: white;
     border: 1px solid var(--border);
     display: flex;
     align-items: center;
     justify-content: center;
     font-size: 20px;
     margin-bottom: 18px;
     box-shadow: 0 2px 8px rgba(0, 0, 0, 0.06);
 }

 .feature-card:hover .feature-icon {
     border-color: rgba(0, 168, 120, 0.3);
 }

 .feature-title {
     font-size: 1rem;
     font-weight: 600;
     color: var(--navy);
     margin-bottom: 8px;
 }

 .feature-body {
     font-size: 0.875rem;
     color: var(--slate);
     line-height: 1.65;
 }

 /* WHO */
 .who {
     background: var(--navy);
 }

 .who .section-title {
     color: white;
 }

 .who .section-sub {
     color: rgba(255, 255, 255, 0.55);
 }

 .who .section-eyebrow {
     color: var(--teal);
 }

 .audience-grid {
     display: grid;
     grid-template-columns: repeat(3, 1fr);
     gap: 20px;
     margin-top: 56px;
 }

 .audience-card {
     background: rgba(255, 255, 255, 0.04);
     border-radius: 16px;
     padding: 32px 28px;
     border: 1px solid rgba(255, 255, 255, 0.08);
     transition: all 0.25s;
 }

 .audience-card:hover {
     background: rgba(0, 168, 120, 0.1);
     border-color: rgba(0, 168, 120, 0.3);
 }

 .audience-avatar {
     width: 52px;
     height: 52px;
     border-radius: 50%;
     display: flex;
     align-items: center;
     justify-content: center;
     font-size: 22px;
     margin-bottom: 20px;
 }

 .audience-role {
     font-size: 0.75rem;
     font-weight: 600;
     letter-spacing: 0.08em;
     text-transform: uppercase;
     color: var(--teal);
     margin-bottom: 8px;
 }

 .audience-name {
     font-size: 1.1rem;
     font-weight: 600;
     color: white;
     margin-bottom: 12px;
 }

 .audience-pain {
     font-size: 0.875rem;
     color: rgba(255, 255, 255, 0.5);
     line-height: 1.65;
     margin-bottom: 18px;
 }

 .audience-gain {
     font-size: 0.85rem;
     color: rgba(255, 255, 255, 0.75);
     background: var(--teal-light);
     border-radius: 8px;
     padding: 12px;
     line-height: 1.55;
     border-left: 2px solid var(--teal);
 }

 /* TRANSFER EXCLUSION EXPLAINER */
 .transfer {
     background: var(--bg);
 }

 .transfer-inner {
     display: grid;
     grid-template-columns: 1fr 1fr;
     gap: 80px;
     align-items: center;
 }

 .transfer-visual {
     background: white;
     border-radius: 16px;
     padding: 32px;
     border: 1px solid var(--border);
     box-shadow: 0 8px 32px rgba(0, 0, 0, 0.06);
 }

 .flow-row {
     display: flex;
     align-items: center;
     gap: 12px;
     padding: 14px;
     border-radius: 10px;
     background: var(--bg);
     margin-bottom: 8px;
     border: 1px solid var(--border);
     font-size: 0.875rem;
 }

 .flow-avatar {
     width: 36px;
     height: 36px;
     border-radius: 50%;
     display: flex;
     align-items: center;
     justify-content: center;
     font-size: 16px;
     flex-shrink: 0;
 }

 .flow-info {
     flex: 1;
 }

 .flow-name {
     font-weight: 600;
     color: var(--navy);
     font-size: 0.85rem;
 }

 .flow-sub {
     font-size: 0.75rem;
     color: var(--slate-light);
 }

 .flow-badge {
     padding: 4px 10px;
     border-radius: 999px;
     font-size: 0.7rem;
     font-weight: 700;
 }

 .flow-elig {
     background: var(--teal-light);
     color: var(--teal-mid);
 }

 .flow-excl {
     background: #FEF2F2;
     color: #DC2626;
 }

 .flow-amount {
     font-weight: 700;
     color: var(--navy);
     font-size: 0.9rem;
 }

 .flow-nil {
     color: var(--slate-light);
     font-size: 0.85rem;
 }

 .calc-box {
     background: var(--navy);
     border-radius: 12px;
     padding: 20px;
     margin-top: 20px;
 }

 .calc-label {
     font-size: 0.75rem;
     color: rgba(255, 255, 255, 0.45);
     margin-bottom: 12px;
     text-transform: uppercase;
     letter-spacing: 0.07em;
 }

 .calc-row {
     display: flex;
     justify-content: space-between;
     font-size: 0.85rem;
     color: rgba(255, 255, 255, 0.7);
     padding: 6px 0;
 }

 .calc-total {
     border-top: 1px solid rgba(255, 255, 255, 0.12);
     margin-top: 8px;
     padding-top: 12px;
     font-weight: 700;
     color: var(--teal);
     font-size: 1rem;
 }

 /* BETA CTA */
 .beta-cta {
     background: linear-gradient(135deg, var(--navy) 0%, #0D2850 50%, var(--teal) 100%);
     text-align: center;
     padding: 100px 5%;
     position: relative;
     overflow: hidden;
 }

 .beta-cta::before {
     content: '';
     position: absolute;
     inset: 0;
     background-image: radial-gradient(#ffffff21 1px, transparent 1px);
     background-size: 32px 32px;
 }

 .beta-cta-inner {
     position: relative;
     z-index: 2;
     max-width: 680px;
     margin: 0 auto;
 }

 .beta-tag {
     display: inline-block;
     background: rgb(4 116 255 / 22%);
     border: 1px solid rgb(4 116 255);
     color: #ffffff;
     border-radius: 999px;
     padding: 6px 18px;
     font-size: 0.8rem;
     font-weight: 700;
     letter-spacing: 0.07em;
     text-transform: uppercase;
     margin-bottom: 28px;
 }

 .beta-cta h2 {
     font-family: 'DM Serif Display', serif;
     font-size: clamp(2rem, 4vw, 3rem);
     color: white;
     line-height: 1.2;
     margin-bottom: 18px;
 }

 .beta-cta p {
     font-size: 1rem;
     color: rgba(255, 255, 255, 0.6);
     line-height: 1.75;
     margin-bottom: 36px;
 }

 .beta-form {
     display: flex;
     gap: 12px;
     max-width: 480px;
     margin: 0 auto;
 }

 .beta-form input {
     flex: 1;
     padding: 14px 18px;
     border-radius: 10px;
     background: rgba(255, 255, 255, 0.08);
     border: 1px solid rgba(255, 255, 255, 0.15);
     color: white;
     font-family: 'DM Sans', sans-serif;
     font-size: 0.9rem;
     outline: none;
     transition: border-color 0.2s;
 }

 .beta-form input::placeholder {
     color: rgba(255, 255, 255, 0.35);
 }

 .beta-form input:focus {
     border-color: var(--teal);
 }

 .guarantee {
     margin-top: 20px;
     font-size: 0.8rem;
     color: rgba(255, 255, 255, 0.35);
 }

 /* FOOTER */
 footer {
     background: #07111E;
     padding: 40px 5%;
     display: flex;
     align-items: center;
     justify-content: space-between;
     flex-wrap: wrap;
     gap: 16px;
 }

 .footer-brand {
     font-family: 'DM Serif Display', serif;
     color: rgba(255, 255, 255, 0.5);
     font-size: 0.95rem;
 }

 .footer-links {
     display: flex;
     gap: 28px;
 }

 .footer-links a {
     color: rgba(255, 255, 255, 0.35);
     text-decoration: none;
     font-size: 0.8rem;
     transition: color 0.2s;
 }

 .footer-links a:hover {
     color: rgba(255, 255, 255, 0.7);
 }

 .footer-right {
     font-size: 0.78rem;
     color: rgba(255, 255, 255, 0.25);
 }

 /* SCROLL ANIMATIONS */
 .fade-up {
     opacity: 0;
     transform: translateY(28px);
     transition: all 0.6s ease;
 }

 .fade-up.visible {
     opacity: 1;
     transform: translateY(0);
 }

 @media (max-width: 900px) {
     .hero-inner {
         grid-template-columns: 1fr;
     }

     .dashboard-frame {
         display: none;
     }

     .how-steps {
         grid-template-columns: 1fr;
     }

     .step {
         border-radius: 12px !important;
         margin-bottom: 2px;
     }

     .step-arrow {
         display: none;
     }

     .features-grid {
         grid-template-columns: 1fr 1fr;
     }

     .audience-grid {
         grid-template-columns: 1fr;
     }

     .transfer-inner {
         grid-template-columns: 1fr;
     }

     .problem-inner {
         grid-template-columns: 1fr;
     }

     .problems-grid {
         grid-template-columns: 1fr;
     }

     .beta-form {
         flex-direction: column;
     }

     nav .nav-links {
         display: none;
     }
 }

 @media (max-width: 600px) {
     .features-grid {
         grid-template-columns: 1fr;
     }

     .dash-stat-row {
         grid-template-columns: repeat(3, 1fr);
     }
 }