/* ==========================================================================
   SUMMIT CAPITAL — Premium UK Business Finance
   Dark luxury fintech aesthetic. Black/charcoal base, deep navy accents,
   metallic gold highlights, subtle glassmorphism, mobile-first.
   ========================================================================== */

/* -------------------- Tokens -------------------- */
:root {
  /* Surfaces */
  --bg: #07090d;
  --bg-2: #0a0d12;
  --bg-3: #0e131b;
  --surface: #11161f;
  --surface-2: #161c27;
  --line: rgba(255, 255, 255, 0.08);
  --line-strong: rgba(255, 255, 255, 0.14);

  /* Text */
  --text: #eef1f6;
  --text-2: #c7cdd8;
  --text-3: #8a93a3;
  --text-4: #5f6877;

  /* Accents */
  --navy: #0f1d3a;
  --navy-2: #16264d;
  --gold: #d4af6a;
  --gold-2: #f1d9a6;
  --gold-3: #8a6a30;
  --gold-grad: linear-gradient(135deg, #f1d9a6 0%, #d4af6a 50%, #8a6a30 100%);
  --gold-glow: 0 0 0 1px rgba(212, 175, 106, 0.35),
    0 8px 30px -8px rgba(212, 175, 106, 0.35);

  /* Type */
  --font-display: "Fraunces", ui-serif, Georgia, serif;
  --font-body: "Inter", ui-sans-serif, system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;

  /* Sizing */
  --container: 1200px;
  --container-wide: 1320px;
  --radius: 14px;
  --radius-lg: 22px;
  --radius-pill: 999px;

  /* Spacing scale */
  --s-1: 4px;
  --s-2: 8px;
  --s-3: 12px;
  --s-4: 16px;
  --s-5: 24px;
  --s-6: 32px;
  --s-7: 48px;
  --s-8: 64px;
  --s-9: 96px;
  --s-10: 128px;

  /* Motion */
  --ease: cubic-bezier(0.16, 1, 0.3, 1);
  --ease-out: cubic-bezier(0.22, 1, 0.36, 1);

  /* Shadows */
  --shadow-card: 0 1px 0 rgba(255, 255, 255, 0.04) inset,
    0 30px 60px -20px rgba(0, 0, 0, 0.55);
}

/* -------------------- Reset -------------------- */
*,
*::before,
*::after {
  box-sizing: border-box;
}
html,
body {
  margin: 0;
  padding: 0;
}
html {
  scroll-behavior: smooth;
  -webkit-text-size-adjust: 100%;
}
body {
  font-family: var(--font-body);
  background: var(--bg);
  color: var(--text);
  font-size: 16px;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  overflow-x: hidden;
  background-image:
    radial-gradient(1200px 600px at 80% -10%, rgba(22, 38, 77, 0.45), transparent 60%),
    radial-gradient(900px 500px at -10% 30%, rgba(212, 175, 106, 0.07), transparent 60%);
  background-attachment: fixed;
}
img,
svg {
  max-width: 100%;
  display: block;
}
a {
  color: inherit;
  text-decoration: none;
}
button {
  font: inherit;
  cursor: pointer;
  border: 0;
  background: none;
  color: inherit;
}
ul,
ol {
  margin: 0;
  padding: 0;
  list-style: none;
}
input,
select,
textarea {
  font: inherit;
  color: inherit;
}
h1,
h2,
h3,
h4 {
  margin: 0;
  font-family: var(--font-display);
  font-weight: 400;
  letter-spacing: -0.01em;
  color: var(--text);
}
p {
  margin: 0;
  color: var(--text-2);
}
::selection {
  background: rgba(212, 175, 106, 0.35);
  color: #fff;
}
:focus-visible {
  outline: 2px solid var(--gold);
  outline-offset: 3px;
  border-radius: 6px;
}

/* -------------------- Layout helpers -------------------- */
.container {
  width: 100%;
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 clamp(20px, 4vw, 40px);
}
.sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}
.skip-link {
  position: absolute;
  top: -100px;
  left: 12px;
  background: var(--gold);
  color: #000;
  padding: 8px 14px;
  border-radius: 8px;
  z-index: 100;
  font-weight: 600;
  transition: top 0.2s var(--ease);
}
.skip-link:focus {
  top: 12px;
}
.text-gold {
  background: var(--gold-grad);
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
}

/* -------------------- Eyebrow + headings -------------------- */
.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-family: var(--font-body);
  font-size: 12px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--text-3);
  padding: 6px 12px;
  border: 1px solid var(--line);
  border-radius: var(--radius-pill);
  background: rgba(255, 255, 255, 0.02);
  backdrop-filter: blur(8px);
}
.eyebrow__dot {
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--gold);
  box-shadow: 0 0 0 4px rgba(212, 175, 106, 0.15);
  animation: pulse 2.6s var(--ease) infinite;
}
@keyframes pulse {
  0%, 100% { box-shadow: 0 0 0 4px rgba(212, 175, 106, 0.15); }
  50% { box-shadow: 0 0 0 7px rgba(212, 175, 106, 0.02); }
}

.section-head {
  text-align: center;
  max-width: 720px;
  margin: 0 auto var(--s-8);
}
.section-head h2 {
  font-size: clamp(32px, 4.4vw, 56px);
  line-height: 1.05;
  margin: 18px 0 14px;
  letter-spacing: -0.02em;
  font-weight: 400;
}
.section-head p {
  color: var(--text-3);
  font-size: 17px;
}
.section-head--row {
  display: flex;
  justify-content: space-between;
  align-items: flex-end;
  text-align: left;
  max-width: none;
  flex-wrap: wrap;
  gap: var(--s-5);
}

/* -------------------- Buttons -------------------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  padding: 14px 22px;
  border-radius: var(--radius-pill);
  font-weight: 500;
  font-size: 14.5px;
  letter-spacing: 0.01em;
  transition: transform 0.25s var(--ease), background 0.25s var(--ease),
    box-shadow 0.25s var(--ease), color 0.25s var(--ease);
  will-change: transform;
  white-space: nowrap;
  position: relative;
}
.btn--sm { padding: 10px 16px; font-size: 13.5px; }
.btn--md { padding: 13px 20px; }
.btn--lg { padding: 16px 28px; font-size: 15px; }
.btn--block { width: 100%; }

.btn--gold {
  background: var(--gold-grad);
  color: #1a1206;
  box-shadow: var(--gold-glow);
}
.btn--gold:hover {
  transform: translateY(-2px);
  box-shadow: 0 0 0 1px rgba(212, 175, 106, 0.5),
    0 18px 38px -10px rgba(212, 175, 106, 0.5);
}
.btn--gold:active { transform: translateY(0); }

.btn--ghost {
  background: rgba(255, 255, 255, 0.03);
  border: 1px solid var(--line-strong);
  color: var(--text);
  backdrop-filter: blur(8px);
}
.btn--ghost:hover {
  background: rgba(255, 255, 255, 0.06);
  border-color: rgba(212, 175, 106, 0.35);
  transform: translateY(-2px);
}

.link-arrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  color: var(--gold);
  font-size: 14px;
  font-weight: 500;
  letter-spacing: 0.01em;
  transition: gap 0.25s var(--ease);
}
.link-arrow:hover {
  gap: 12px;
}
.link-arrow svg { transition: transform 0.25s var(--ease); }
.link-arrow:hover svg { transform: translateX(2px); }

/* -------------------- NAV -------------------- */
.nav {
  position: sticky;
  top: 0;
  z-index: 60;
  transition: background 0.3s var(--ease), border-color 0.3s var(--ease),
    backdrop-filter 0.3s var(--ease);
  background: rgba(7, 9, 13, 0.4);
  backdrop-filter: blur(14px);
  border-bottom: 1px solid transparent;
}
.nav.is-scrolled {
  background: rgba(7, 9, 13, 0.85);
  border-color: var(--line);
}
.nav__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 76px;
  gap: var(--s-5);
}
.brand {
  display: inline-flex;
  align-items: center;
  gap: 12px;
}
.brand__mark {
  display: inline-flex;
  width: 40px;
  height: 40px;
  align-items: center;
  justify-content: center;
  border-radius: 12px;
  background: linear-gradient(135deg, rgba(212, 175, 106, 0.18), rgba(15, 29, 58, 0.4));
  border: 1px solid rgba(212, 175, 106, 0.22);
}
.brand__word {
  display: flex;
  flex-direction: column;
  line-height: 1;
}
.brand__name {
  font-family: var(--font-display);
  font-size: 18px;
  font-weight: 500;
  color: #fff;
  letter-spacing: -0.005em;
}
.brand__tag {
  margin-top: 4px;
  font-size: 10.5px;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--text-4);
}

.nav__links {
  display: flex;
  gap: var(--s-7);
  align-items: center;
}
.nav__links a {
  font-size: 14px;
  color: var(--text-2);
  position: relative;
  transition: color 0.2s var(--ease);
}
.nav__links a::after {
  content: "";
  position: absolute;
  left: 0;
  bottom: -8px;
  height: 1px;
  width: 0;
  background: var(--gold);
  transition: width 0.3s var(--ease);
}
.nav__links a:hover {
  color: #fff;
}
.nav__links a:hover::after {
  width: 100%;
}

.nav__cta {
  display: flex;
  gap: 10px;
  align-items: center;
}

.nav__toggle {
  display: none;
  width: 40px;
  height: 40px;
  border-radius: 10px;
  border: 1px solid var(--line);
  background: rgba(255, 255, 255, 0.03);
  flex-direction: column;
  gap: 4px;
  align-items: center;
  justify-content: center;
}
.nav__toggle span {
  width: 18px;
  height: 1.6px;
  background: var(--text);
  transition: transform 0.25s var(--ease), opacity 0.2s var(--ease);
}
.nav__toggle[aria-expanded="true"] span:nth-child(1) {
  transform: translateY(5.6px) rotate(45deg);
}
.nav__toggle[aria-expanded="true"] span:nth-child(2) {
  opacity: 0;
}
.nav__toggle[aria-expanded="true"] span:nth-child(3) {
  transform: translateY(-5.6px) rotate(-45deg);
}

.nav__mobile {
  display: flex;
  flex-direction: column;
  gap: var(--s-4);
  padding: var(--s-5) clamp(20px, 4vw, 40px) var(--s-6);
  border-top: 1px solid var(--line);
  background: rgba(7, 9, 13, 0.95);
  backdrop-filter: blur(14px);
}
.nav__mobile[hidden],
.chat__panel[hidden],
[hidden] { display: none !important; }
.nav__mobile a:not(.btn) {
  font-size: 16px;
  padding: 8px 0;
  color: var(--text);
  border-bottom: 1px solid var(--line);
}
.nav__mobile a.btn {
  margin-top: var(--s-3);
}

@media (max-width: 960px) {
  .nav__links,
  .nav__cta {
    display: none;
  }
  .nav__toggle {
    display: flex;
  }
}

/* -------------------- HERO -------------------- */
.hero {
  position: relative;
  min-height: 100vh;
  min-height: 100svh;
  padding: clamp(120px, 18vh, 200px) 0 clamp(80px, 14vh, 140px);
  display: flex;
  align-items: center;
  isolation: isolate;
  overflow: hidden;
}
.hero__inner {
  position: relative;
  z-index: 3;
  max-width: 900px;
  text-align: center;
  margin: 0 auto;
}
.hero__title {
  font-size: clamp(40px, 7vw, 88px);
  line-height: 1.02;
  letter-spacing: -0.025em;
  font-weight: 300;
  margin: 22px 0 22px;
}
.hero__sub {
  font-size: clamp(16.5px, 1.6vw, 19px);
  color: var(--text-2);
  max-width: 620px;
  margin: 0 auto 36px;
  line-height: 1.55;
}
.hero__cta {
  display: flex;
  gap: 14px;
  justify-content: center;
  flex-wrap: wrap;
  margin-bottom: 56px;
}
.hero__meta {
  display: flex;
  gap: var(--s-7);
  justify-content: center;
  flex-wrap: wrap;
  padding-top: var(--s-6);
  border-top: 1px solid var(--line);
  max-width: 700px;
  margin: 0 auto;
}
.hero__meta li {
  font-size: 13.5px;
  color: var(--text-3);
  letter-spacing: 0.02em;
}
.hero__meta strong {
  display: block;
  font-family: var(--font-display);
  font-size: 22px;
  color: var(--gold-2);
  font-weight: 400;
  margin-bottom: 4px;
  letter-spacing: -0.01em;
}

/* Hero background layers */
.hero__bg {
  position: absolute;
  inset: 0;
  z-index: 0;
}
#heroCanvas {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  opacity: 0.85;
}
.hero__skyline {
  position: absolute;
  inset: auto 0 0 0;
  height: 55%;
  z-index: 1;
  pointer-events: none;
}
.hero__skyline svg { width: 100%; height: 100%; }
.skyline-windows rect {
  animation: flicker 5s infinite var(--ease);
}
.skyline-windows rect:nth-child(2n) { animation-delay: 1.2s; }
.skyline-windows rect:nth-child(3n) { animation-delay: 2.4s; }
.skyline-windows rect:nth-child(4n) { animation-delay: 3.5s; }
@keyframes flicker {
  0%, 100% { opacity: 0.2; }
  50% { opacity: 1; }
}
.hero__glow {
  position: absolute;
  border-radius: 50%;
  filter: blur(80px);
  opacity: 0.5;
  z-index: 0;
  pointer-events: none;
}
.hero__glow--a {
  width: 600px;
  height: 600px;
  background: radial-gradient(circle, rgba(212, 175, 106, 0.4), transparent 60%);
  top: -150px;
  left: -100px;
  animation: drift 18s var(--ease) infinite;
}
.hero__glow--b {
  width: 700px;
  height: 700px;
  background: radial-gradient(circle, rgba(22, 38, 77, 0.7), transparent 65%);
  top: 20%;
  right: -200px;
  animation: drift 22s var(--ease) infinite reverse;
}
@keyframes drift {
  0%, 100% { transform: translate(0, 0); }
  50% { transform: translate(40px, 30px); }
}
.hero__grid {
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(255, 255, 255, 0.025) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255, 255, 255, 0.025) 1px, transparent 1px);
  background-size: 64px 64px;
  mask-image: radial-gradient(ellipse at center, black 0%, transparent 75%);
  -webkit-mask-image: radial-gradient(ellipse at center, black 0%, transparent 75%);
  opacity: 0.4;
  z-index: 0;
}

.hero__scroll {
  position: absolute;
  bottom: 30px;
  left: 50%;
  transform: translateX(-50%);
  width: 22px;
  height: 36px;
  border: 1.5px solid var(--line-strong);
  border-radius: 12px;
  display: flex;
  justify-content: center;
  padding-top: 6px;
  z-index: 3;
}
.hero__scroll span {
  width: 2px;
  height: 8px;
  background: var(--gold);
  border-radius: 2px;
  animation: scroll 1.8s var(--ease) infinite;
}
@keyframes scroll {
  0% { transform: translateY(0); opacity: 1; }
  100% { transform: translateY(14px); opacity: 0; }
}

/* -------------------- TRUST -------------------- */
.trust {
  padding: clamp(60px, 10vw, 110px) 0 clamp(50px, 8vw, 90px);
  border-top: 1px solid var(--line);
  background: linear-gradient(180deg, rgba(7, 9, 13, 0.5), var(--bg-2));
}
.trust__grid {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: var(--s-5);
  margin-bottom: var(--s-7);
}
@media (max-width: 980px) {
  .trust__grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 520px) {
  .trust__grid { grid-template-columns: 1fr; }
}
.trust__item {
  text-align: center;
  padding: var(--s-6) var(--s-4);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: linear-gradient(180deg, rgba(255, 255, 255, 0.02), rgba(255, 255, 255, 0));
  transition: transform 0.3s var(--ease), border-color 0.3s var(--ease),
    background 0.3s var(--ease);
}
.trust__item:hover {
  transform: translateY(-4px);
  border-color: rgba(212, 175, 106, 0.3);
  background: linear-gradient(180deg, rgba(212, 175, 106, 0.05), rgba(255, 255, 255, 0));
}
.trust__icon {
  display: inline-flex;
  width: 44px;
  height: 44px;
  align-items: center;
  justify-content: center;
  border-radius: 12px;
  border: 1px solid rgba(212, 175, 106, 0.25);
  color: var(--gold);
  margin-bottom: var(--s-4);
  background: rgba(212, 175, 106, 0.05);
}
.trust__icon svg { width: 22px; height: 22px; }
.trust__item h3 {
  font-family: var(--font-body);
  font-size: 14.5px;
  font-weight: 600;
  letter-spacing: -0.005em;
  color: #fff;
  margin-bottom: 6px;
}
.trust__item p {
  font-size: 13.5px;
  color: var(--text-3);
  line-height: 1.5;
}

.trust__badges {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  justify-content: center;
}
.badge {
  font-size: 12px;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  padding: 7px 14px;
  border-radius: var(--radius-pill);
  border: 1px solid var(--line);
  color: var(--text-3);
  background: rgba(255, 255, 255, 0.02);
}

/* -------------------- SERVICES -------------------- */
.services {
  padding: clamp(70px, 11vw, 130px) 0;
  position: relative;
}
.services__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--s-5);
}
@media (max-width: 960px) {
  .services__grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 640px) {
  .services__grid { grid-template-columns: 1fr; }
}

.service-card {
  position: relative;
  padding: var(--s-6);
  border-radius: var(--radius-lg);
  background: linear-gradient(180deg, rgba(22, 28, 39, 0.7), rgba(14, 19, 27, 0.7));
  border: 1px solid var(--line);
  backdrop-filter: blur(12px);
  display: flex;
  flex-direction: column;
  gap: var(--s-4);
  overflow: hidden;
  transition: transform 0.4s var(--ease), border-color 0.3s var(--ease),
    box-shadow 0.4s var(--ease);
  isolation: isolate;
}
.service-card::before {
  content: "";
  position: absolute;
  inset: 0;
  background: radial-gradient(420px 220px at var(--mx, 50%) var(--my, 0%), rgba(212, 175, 106, 0.1), transparent 60%);
  opacity: 0;
  transition: opacity 0.35s var(--ease);
  z-index: -1;
}
.service-card:hover {
  transform: translateY(-4px);
  border-color: rgba(212, 175, 106, 0.28);
  box-shadow: var(--shadow-card);
}
.service-card:hover::before { opacity: 1; }

.service-card__top {
  display: flex;
  align-items: center;
  justify-content: space-between;
}
.service-card__icon {
  display: inline-flex;
  width: 46px;
  height: 46px;
  align-items: center;
  justify-content: center;
  border-radius: 12px;
  background: linear-gradient(135deg, rgba(212, 175, 106, 0.15), rgba(22, 38, 77, 0.4));
  border: 1px solid rgba(212, 175, 106, 0.25);
  color: var(--gold-2);
}
.service-card__icon svg { width: 22px; height: 22px; }
.service-card__tag {
  font-size: 11px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold-2);
  padding: 5px 10px;
  border-radius: var(--radius-pill);
  background: rgba(212, 175, 106, 0.08);
  border: 1px solid rgba(212, 175, 106, 0.18);
}
.service-card h3 {
  font-size: 24px;
  font-weight: 400;
  letter-spacing: -0.015em;
}
.service-card p {
  font-size: 14.5px;
  color: var(--text-2);
  line-height: 1.6;
}
.service-card__bullets {
  display: flex;
  flex-direction: column;
  gap: 8px;
  margin-top: var(--s-2);
}
.service-card__bullets li {
  font-size: 13.5px;
  color: var(--text-3);
  padding-left: 22px;
  position: relative;
}
.service-card__bullets li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 7px;
  width: 12px;
  height: 8px;
  border-left: 1.5px solid var(--gold);
  border-bottom: 1.5px solid var(--gold);
  transform: rotate(-45deg);
}
.service-card__criteria {
  margin-top: var(--s-1);
  padding: 14px;
  border: 1px solid rgba(212, 175, 106, 0.16);
  border-radius: 16px;
  background:
    linear-gradient(180deg, rgba(255, 255, 255, 0.045), rgba(255, 255, 255, 0.018)),
    rgba(7, 9, 13, 0.28);
}
.service-card__criteria span {
  display: block;
  margin-bottom: 9px;
  color: var(--gold-2);
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.15em;
  text-transform: uppercase;
}
.service-card__criteria ul {
  display: grid;
  gap: 7px;
}
.service-card__criteria li {
  position: relative;
  padding-left: 16px;
  color: var(--text-2);
  font-size: 12.5px;
  line-height: 1.45;
}
.service-card__criteria li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 0.7em;
  width: 5px;
  height: 5px;
  border-radius: 999px;
  background: var(--gold);
  box-shadow: 0 0 14px rgba(212, 175, 106, 0.35);
}
.service-card__cta {
  margin-top: auto;
  padding-top: var(--s-4);
  display: inline-flex;
  align-items: center;
  gap: 8px;
  color: var(--gold-2);
  font-size: 14px;
  font-weight: 500;
  border-top: 1px solid var(--line);
  transition: color 0.25s var(--ease);
}
.service-card__cta svg { transition: transform 0.25s var(--ease); }
.service-card__cta:hover svg { transform: translateX(3px); }

/* -------------------- HOW IT WORKS -------------------- */
.how {
  padding: clamp(70px, 11vw, 130px) 0;
  background: linear-gradient(180deg, var(--bg-2), rgba(15, 29, 58, 0.18), var(--bg-2));
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
  position: relative;
}
.how__steps {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--s-5);
  position: relative;
}
.how__steps::before {
  content: "";
  position: absolute;
  top: 60px;
  left: 12%;
  right: 12%;
  height: 1px;
  background: linear-gradient(90deg, transparent, rgba(212, 175, 106, 0.35), transparent);
  z-index: 0;
}
@media (max-width: 820px) {
  .how__steps { grid-template-columns: 1fr; }
  .how__steps::before { display: none; }
}
.how-step {
  position: relative;
  padding: var(--s-6);
  background: linear-gradient(180deg, rgba(22, 28, 39, 0.55), rgba(14, 19, 27, 0.55));
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  text-align: center;
  z-index: 1;
  transition: transform 0.3s var(--ease), border-color 0.3s var(--ease);
}
.how-step:hover {
  transform: translateY(-4px);
  border-color: rgba(212, 175, 106, 0.28);
}
.how-step__num {
  font-family: var(--font-display);
  font-size: 13px;
  letter-spacing: 0.2em;
  color: var(--gold);
  margin-bottom: var(--s-3);
  display: block;
}
.how-step__icon {
  display: inline-flex;
  width: 56px;
  height: 56px;
  align-items: center;
  justify-content: center;
  border-radius: 16px;
  background: linear-gradient(135deg, rgba(212, 175, 106, 0.18), rgba(22, 38, 77, 0.45));
  border: 1px solid rgba(212, 175, 106, 0.28);
  color: var(--gold-2);
  margin-bottom: var(--s-4);
}
.how-step__icon svg { width: 26px; height: 26px; }
.how-step h3 {
  font-size: 22px;
  margin-bottom: var(--s-2);
  font-weight: 400;
}
.how-step p {
  font-size: 14.5px;
  color: var(--text-3);
  line-height: 1.55;
}

/* -------------------- INSIGHTS -------------------- */
.insights {
  padding: clamp(70px, 11vw, 130px) 0;
}
.insights__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  grid-template-rows: auto auto;
  gap: var(--s-5);
}
.post-card {
  display: flex;
  flex-direction: column;
  border-radius: var(--radius-lg);
  border: 1px solid var(--line);
  background: linear-gradient(180deg, rgba(22, 28, 39, 0.55), rgba(14, 19, 27, 0.55));
  overflow: hidden;
  transition: transform 0.35s var(--ease), border-color 0.3s var(--ease);
}
.post-card--lg {
  grid-column: 1 / span 3;
  grid-row: 1;
  flex-direction: row;
}
@media (max-width: 960px) {
  .insights__grid { grid-template-columns: repeat(2, 1fr); }
  .post-card--lg { grid-column: 1 / -1; flex-direction: column; }
}
@media (max-width: 600px) {
  .insights__grid { grid-template-columns: 1fr; }
  .post-card--lg { grid-column: 1 / -1; }
}
.post-card:hover {
  transform: translateY(-4px);
  border-color: rgba(212, 175, 106, 0.28);
}
.post-card__media {
  position: relative;
  aspect-ratio: 16 / 9;
  overflow: hidden;
}
.post-card--lg .post-card__media {
  flex: 1.1;
  aspect-ratio: auto;
  min-height: 260px;
}
.post-card--lg .post-card__body {
  flex: 1;
  padding: var(--s-7);
  justify-content: center;
}
.post-card__body {
  padding: var(--s-5) var(--s-5) var(--s-6);
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.post-card__tag {
  font-size: 11.5px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--gold);
}
.post-card h3 {
  font-size: 22px;
  letter-spacing: -0.015em;
  font-weight: 400;
}
.post-card--lg h3 { font-size: 30px; }
.post-card p {
  font-size: 14.5px;
  color: var(--text-3);
  line-height: 1.6;
  margin-bottom: 6px;
}
.post-card .link-arrow { margin-top: 6px; }
.post-card__toggle {
  appearance: none;
  border: 0;
  background: transparent;
  padding: 0;
  cursor: pointer;
  align-self: flex-start;
}
.post-card__toggle[aria-expanded="true"] svg {
  transform: rotate(90deg);
}
.post-card__expanded {
  display: grid;
  gap: 10px;
  margin-top: 8px;
  padding-top: 14px;
  border-top: 1px solid var(--line);
}
.post-card__expanded p {
  margin: 0;
  color: var(--text-2);
}

/* Generated SVG/CSS visuals for blog cards (no stock photos) */
.post-card__art {
  position: absolute;
  inset: 0;
  background-color: #0c1018;
}
.post-card__art--mca {
  background:
    radial-gradient(800px 300px at 80% 20%, rgba(212, 175, 106, 0.25), transparent 60%),
    radial-gradient(500px 300px at 20% 80%, rgba(22, 38, 77, 0.6), transparent 60%),
    repeating-linear-gradient(135deg, rgba(255, 255, 255, 0.025) 0 1px, transparent 1px 24px),
    linear-gradient(180deg, #0e131b, #07090d);
}
.post-card__art--mca::after {
  content: "£";
  position: absolute;
  font-family: var(--font-display);
  font-size: 280px;
  right: 10%;
  top: 50%;
  transform: translateY(-50%);
  background: var(--gold-grad);
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
  opacity: 0.6;
  line-height: 1;
}
.post-card__art--vat {
  background:
    linear-gradient(135deg, rgba(22, 38, 77, 0.7), transparent 55%),
    repeating-linear-gradient(90deg, rgba(212, 175, 106, 0.1) 0 1px, transparent 1px 18px),
    linear-gradient(180deg, #0e131b, #07090d);
}
.post-card__art--vat::after {
  content: "VAT";
  position: absolute;
  font-family: var(--font-display);
  font-size: 110px;
  letter-spacing: -0.03em;
  right: 12%;
  bottom: -10px;
  background: var(--gold-grad);
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
  opacity: 0.7;
}
.post-card__art--secured {
  background:
    radial-gradient(600px 260px at 20% 30%, rgba(212, 175, 106, 0.2), transparent 60%),
    repeating-linear-gradient(45deg, rgba(255, 255, 255, 0.03) 0 1px, transparent 1px 16px),
    linear-gradient(180deg, #0e131b, #07090d);
}
.post-card__art--secured::after {
  content: "vs";
  position: absolute;
  font-family: var(--font-display);
  font-style: italic;
  font-size: 130px;
  right: 18%;
  top: 40%;
  background: var(--gold-grad);
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
  opacity: 0.55;
}
.post-card__art--cash {
  background:
    radial-gradient(500px 300px at 70% 70%, rgba(22, 38, 77, 0.6), transparent 60%),
    radial-gradient(400px 200px at 20% 30%, rgba(212, 175, 106, 0.15), transparent 60%),
    linear-gradient(180deg, #0e131b, #07090d);
}
.post-card__art--cash::after {
  content: "";
  position: absolute;
  inset: 20% 10%;
  background: linear-gradient(90deg, transparent, rgba(212, 175, 106, 0.6), transparent);
  height: 1.5px;
  top: 50%;
  filter: blur(0.5px);
  box-shadow:
    0 -30px 0 rgba(212, 175, 106, 0.25),
    0 -60px 0 rgba(212, 175, 106, 0.15),
    0 30px 0 rgba(212, 175, 106, 0.35),
    0 60px 0 rgba(212, 175, 106, 0.45);
}

/* -------------------- WHY -------------------- */
.why {
  padding: clamp(70px, 11vw, 130px) 0;
  background: linear-gradient(180deg, var(--bg-2), var(--bg));
  border-top: 1px solid var(--line);
}
.why__grid {
  display: grid;
  grid-template-columns: 1fr 1.1fr;
  gap: var(--s-8);
  align-items: start;
}
@media (max-width: 900px) {
  .why__grid { grid-template-columns: 1fr; gap: var(--s-7); }
}
.why__intro h2 {
  font-size: clamp(32px, 4vw, 50px);
  line-height: 1.05;
  margin: 18px 0 16px;
  font-weight: 400;
  letter-spacing: -0.02em;
}
.why__intro p {
  color: var(--text-3);
  font-size: 16.5px;
  margin-bottom: var(--s-6);
  max-width: 460px;
}
.why__list {
  display: flex;
  flex-direction: column;
}
.why__list li {
  display: flex;
  gap: var(--s-4);
  padding: var(--s-5) 0;
  border-bottom: 1px solid var(--line);
  align-items: flex-start;
}
.why__list li:first-child { padding-top: 0; }
.why__list li:last-child { border-bottom: 0; }
.why__icon {
  flex-shrink: 0;
  width: 44px;
  height: 44px;
  border-radius: 12px;
  background: linear-gradient(135deg, rgba(212, 175, 106, 0.14), rgba(22, 38, 77, 0.35));
  border: 1px solid rgba(212, 175, 106, 0.25);
  color: var(--gold);
  display: inline-flex;
  align-items: center;
  justify-content: center;
}
.why__icon svg { width: 22px; height: 22px; }
.why__list h3 {
  font-family: var(--font-body);
  font-size: 16px;
  font-weight: 600;
  margin-bottom: 4px;
  color: #fff;
}
.why__list p {
  font-size: 14.5px;
  color: var(--text-3);
}

/* -------------------- TESTIMONIALS -------------------- */
.testimonials {
  padding: clamp(70px, 11vw, 130px) 0;
}
.testimonials__grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: var(--s-5);
}
@media (max-width: 760px) {
  .testimonials__grid { grid-template-columns: 1fr; }
}
.quote {
  margin: 0;
  padding: var(--s-6);
  border-radius: var(--radius-lg);
  background: linear-gradient(180deg, rgba(22, 28, 39, 0.55), rgba(14, 19, 27, 0.55));
  border: 1px solid var(--line);
  display: flex;
  flex-direction: column;
  gap: var(--s-4);
  transition: transform 0.3s var(--ease), border-color 0.3s var(--ease);
}
.quote:hover {
  transform: translateY(-3px);
  border-color: rgba(212, 175, 106, 0.25);
}
.quote__stars {
  color: var(--gold);
  font-size: 16px;
  letter-spacing: 4px;
}
.quote blockquote p {
  font-family: var(--font-display);
  font-size: 19px;
  line-height: 1.5;
  color: var(--text);
  letter-spacing: -0.005em;
  font-weight: 300;
}
.quote figcaption {
  display: flex;
  gap: 12px;
  align-items: center;
  font-size: 13.5px;
  margin-top: auto;
}
.quote__avatar {
  width: 40px;
  height: 40px;
  flex-shrink: 0;
  border-radius: 50%;
  background: var(--gold-grad);
  color: #1a1206;
  display: inline-flex !important;
  align-items: center;
  justify-content: center;
  font-size: 13px;
  font-weight: 600;
  font-family: var(--font-body);
  letter-spacing: 0.04em;
}
.quote figcaption strong {
  display: block;
  font-weight: 600;
  color: #fff;
  font-size: 14px;
}
.quote figcaption > div > span,
.quote figcaption strong + span {
  display: block;
  color: var(--text-3);
  font-size: 12.5px;
  margin-top: 2px;
}

/* -------------------- APPLY -------------------- */
.apply {
  padding: clamp(70px, 11vw, 130px) 0;
  background: linear-gradient(180deg, var(--bg), var(--bg-2));
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
}
.apply__grid {
  display: grid;
  grid-template-columns: 1fr 1.05fr;
  gap: var(--s-8);
  align-items: start;
}
@media (max-width: 900px) {
  .apply__grid { grid-template-columns: 1fr; }
}
.apply__copy h2 {
  font-size: clamp(30px, 3.8vw, 46px);
  line-height: 1.08;
  margin: 18px 0 18px;
  letter-spacing: -0.02em;
  font-weight: 400;
}
.apply__copy p {
  color: var(--text-3);
  font-size: 16.5px;
  margin-bottom: var(--s-6);
}
.apply__bullets {
  display: flex;
  flex-direction: column;
  gap: 12px;
}
.apply__bullets li {
  font-size: 14.5px;
  color: var(--text-2);
  padding-left: 28px;
  position: relative;
}
.apply__bullets li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 7px;
  width: 14px;
  height: 9px;
  border-left: 2px solid var(--gold);
  border-bottom: 2px solid var(--gold);
  transform: rotate(-45deg);
}

.apply__form {
  padding: var(--s-6);
  border-radius: var(--radius-lg);
  background: linear-gradient(180deg, rgba(22, 28, 39, 0.75), rgba(14, 19, 27, 0.75));
  border: 1px solid var(--line-strong);
  backdrop-filter: blur(14px);
  box-shadow: var(--shadow-card);
  display: flex;
  flex-direction: column;
  gap: var(--s-4);
}
.field { display: flex; flex-direction: column; gap: 6px; }
.field--row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--s-4);
}
@media (max-width: 520px) {
  .field--row { grid-template-columns: 1fr; }
}
.field--row > div { display: flex; flex-direction: column; gap: 6px; }
.field label,
.field--row label {
  font-size: 12px;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--text-3);
}
.field input,
.field select,
.field--row input,
.field--row select {
  padding: 13px 14px;
  border-radius: 10px;
  background: rgba(7, 9, 13, 0.7);
  border: 1px solid var(--line);
  color: var(--text);
  font-size: 15px;
  transition: border-color 0.25s var(--ease), background 0.25s var(--ease),
    box-shadow 0.25s var(--ease);
}
.field input::placeholder { color: var(--text-4); }
.field input:focus,
.field select:focus,
.field--row input:focus,
.field--row select:focus {
  outline: none;
  border-color: rgba(212, 175, 106, 0.5);
  background: rgba(7, 9, 13, 0.95);
  box-shadow: 0 0 0 4px rgba(212, 175, 106, 0.08);
}
.field select,
.field--row select {
  appearance: none;
  background-image:
    linear-gradient(45deg, transparent 50%, var(--text-3) 50%),
    linear-gradient(135deg, var(--text-3) 50%, transparent 50%);
  background-position:
    right 18px center,
    right 13px center;
  background-size: 5px 5px;
  background-repeat: no-repeat;
  padding-right: 36px;
}
.checkbox {
  display: flex;
  gap: 10px;
  font-size: 13px;
  color: var(--text-3);
  line-height: 1.5;
  cursor: pointer;
  align-items: flex-start;
}
.checkbox input {
  width: 16px;
  height: 16px;
  accent-color: var(--gold);
  margin-top: 2px;
  flex-shrink: 0;
}
.checkbox a { color: var(--gold); text-decoration: underline; text-underline-offset: 3px; }
.form-note {
  text-align: center;
  font-size: 12px;
  color: var(--text-4);
  margin-top: -4px;
}
.form-success {
  background: rgba(212, 175, 106, 0.1);
  border: 1px solid rgba(212, 175, 106, 0.4);
  color: var(--gold-2);
  padding: 14px 16px;
  border-radius: 10px;
  font-size: 14px;
  text-align: center;
}

/* -------------------- FINAL CTA -------------------- */
.final-cta {
  padding: clamp(80px, 12vw, 160px) 0;
  position: relative;
  isolation: isolate;
  overflow: hidden;
}
.final-cta__inner {
  position: relative;
  text-align: center;
  z-index: 2;
}
.final-cta h2 {
  font-size: clamp(36px, 5.5vw, 72px);
  line-height: 1.04;
  letter-spacing: -0.025em;
  margin-bottom: 20px;
  font-weight: 300;
  max-width: 900px;
  margin-left: auto;
  margin-right: auto;
}
.final-cta p {
  font-size: clamp(16px, 1.6vw, 19px);
  color: var(--text-2);
  max-width: 580px;
  margin: 0 auto 36px;
}
.final-cta__buttons {
  display: flex;
  gap: 14px;
  justify-content: center;
  flex-wrap: wrap;
}
.final-cta__bg { position: absolute; inset: 0; z-index: 0; }
.final-cta__orb {
  position: absolute;
  border-radius: 50%;
  filter: blur(90px);
  opacity: 0.55;
}
.final-cta__orb--a {
  width: 600px;
  height: 600px;
  background: radial-gradient(circle, rgba(212, 175, 106, 0.45), transparent 60%);
  top: -150px;
  left: 50%;
  transform: translateX(-50%);
}
.final-cta__orb--b {
  width: 500px;
  height: 500px;
  background: radial-gradient(circle, rgba(22, 38, 77, 0.7), transparent 60%);
  bottom: -100px;
  right: 10%;
}

/* -------------------- FOOTER -------------------- */
.footer {
  border-top: 1px solid var(--line);
  background: var(--bg);
  padding: var(--s-9) 0 var(--s-6);
}
.footer__top {
  display: grid;
  grid-template-columns: 1.2fr 2fr;
  gap: var(--s-8);
  margin-bottom: var(--s-8);
}
@media (max-width: 820px) {
  .footer__top { grid-template-columns: 1fr; gap: var(--s-7); }
}
.brand--footer { margin-bottom: var(--s-5); }
.footer__about {
  font-size: 14px;
  color: var(--text-3);
  max-width: 380px;
  line-height: 1.65;
  margin-top: var(--s-3);
}
.footer__socials {
  display: flex;
  gap: 10px;
  margin-top: var(--s-5);
}
.footer__socials a {
  width: 38px;
  height: 38px;
  border-radius: 10px;
  border: 1px solid var(--line);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  color: var(--text-2);
  transition: all 0.25s var(--ease);
}
.footer__socials a:hover {
  color: var(--gold);
  border-color: rgba(212, 175, 106, 0.4);
  transform: translateY(-2px);
}
.footer__nav {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--s-6);
}
@media (max-width: 600px) {
  .footer__nav { grid-template-columns: repeat(2, 1fr); }
}
.footer__nav h4 {
  font-family: var(--font-body);
  font-size: 12px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--text-3);
  margin-bottom: var(--s-4);
  font-weight: 600;
}
.footer__nav ul { display: flex; flex-direction: column; gap: 10px; }
.footer__nav a,
.footer__nav li {
  font-size: 14px;
  color: var(--text-2);
  line-height: 1.5;
  transition: color 0.2s var(--ease);
}
.footer__nav a:hover { color: var(--gold); }

.footer__bottom {
  padding-top: var(--s-6);
  border-top: 1px solid var(--line);
  display: flex;
  flex-direction: column;
  gap: var(--s-4);
}
.footer__disclaimer {
  font-size: 12px;
  color: var(--text-4);
  line-height: 1.65;
  max-width: 1000px;
}
.footer__disclaimer strong { color: var(--text-3); }
.footer__legal {
  display: flex;
  gap: var(--s-5);
  flex-wrap: wrap;
  font-size: 12.5px;
  color: var(--text-4);
}
.footer__legal a { transition: color 0.2s var(--ease); }
.footer__legal a:hover { color: var(--gold); }

/* -------------------- FLOATING CTA -------------------- */
.float-cta {
  position: fixed;
  right: 92px;
  bottom: 20px;
  z-index: 55;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 13px 18px;
  border-radius: var(--radius-pill);
  background: var(--gold-grad);
  color: #1a1206;
  font-weight: 600;
  font-size: 13.5px;
  box-shadow: 0 14px 30px -10px rgba(212, 175, 106, 0.6),
    0 0 0 1px rgba(212, 175, 106, 0.4);
  opacity: 0;
  transform: translateY(20px);
  pointer-events: none;
  transition: opacity 0.35s var(--ease), transform 0.35s var(--ease),
    box-shadow 0.25s var(--ease);
}
.float-cta.is-visible {
  opacity: 1;
  transform: translateY(0);
  pointer-events: auto;
}
.float-cta:hover {
  transform: translateY(-3px);
  box-shadow: 0 18px 38px -10px rgba(212, 175, 106, 0.7),
    0 0 0 1px rgba(212, 175, 106, 0.55);
}
@media (max-width: 520px) {
  .float-cta { right: 16px; bottom: 88px; }
  .float-cta { padding: 12px 16px; font-size: 12.5px; }
}

/* -------------------- CHAT -------------------- */
.chat {
  position: fixed;
  right: 20px;
  bottom: 20px;
  z-index: 56;
}
@media (max-width: 520px) {
  .chat { right: 16px; bottom: 16px; }
}
.chat__bubble {
  position: relative;
  width: 56px;
  height: 56px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--navy-2), var(--bg-2));
  border: 1px solid rgba(212, 175, 106, 0.35);
  color: var(--gold);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 14px 30px -12px rgba(0, 0, 0, 0.8);
  transition: transform 0.25s var(--ease), box-shadow 0.25s var(--ease);
}
.chat__bubble::after {
  content: "";
  position: absolute;
  top: 8px;
  right: 8px;
  width: 10px;
  height: 10px;
  background: var(--gold);
  border-radius: 50%;
  border: 2px solid var(--bg);
  animation: pulse 2.4s var(--ease) infinite;
}
.chat__bubble:hover {
  transform: translateY(-2px) scale(1.04);
}
.chat__panel {
  position: absolute;
  bottom: 70px;
  right: 0;
  width: min(340px, calc(100vw - 32px));
  border-radius: 18px;
  background: linear-gradient(180deg, var(--bg-2), var(--bg));
  border: 1px solid var(--line-strong);
  box-shadow: 0 30px 60px -20px rgba(0, 0, 0, 0.7);
  overflow: hidden;
  display: flex;
  flex-direction: column;
  max-height: 480px;
  backdrop-filter: blur(20px);
  animation: chatIn 0.3s var(--ease);
}
@keyframes chatIn {
  from { opacity: 0; transform: translateY(10px) scale(0.97); }
  to { opacity: 1; transform: translateY(0) scale(1); }
}
.chat__head {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 16px;
  border-bottom: 1px solid var(--line);
  background: linear-gradient(135deg, rgba(212, 175, 106, 0.08), transparent);
}
.chat__head strong {
  display: block;
  font-size: 14px;
  color: #fff;
  font-weight: 600;
}
.chat__head span {
  display: block;
  font-size: 12px;
  color: var(--text-3);
  margin-top: 2px;
}
.chat__close {
  width: 28px;
  height: 28px;
  border-radius: 50%;
  color: var(--text-3);
  font-size: 14px;
  transition: color 0.2s var(--ease), background 0.2s var(--ease);
}
.chat__close:hover { background: rgba(255, 255, 255, 0.05); color: #fff; }
.chat__log {
  flex: 1;
  overflow-y: auto;
  padding: 16px;
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.chat__msg {
  font-size: 13.5px;
  line-height: 1.5;
  padding: 10px 14px;
  border-radius: 14px;
  max-width: 85%;
}
.chat__msg--bot {
  background: rgba(22, 38, 77, 0.4);
  border: 1px solid var(--line);
  align-self: flex-start;
  border-bottom-left-radius: 4px;
}
.chat__msg--bot a {
  color: var(--gold);
  font-weight: 700;
  text-decoration: underline;
  text-underline-offset: 3px;
}
.chat__msg--user {
  background: rgba(212, 175, 106, 0.15);
  border: 1px solid rgba(212, 175, 106, 0.3);
  color: #fff;
  align-self: flex-end;
  border-bottom-right-radius: 4px;
}
.chat__notice {
  margin: 0;
  padding: 10px 16px 0;
  color: var(--text-3);
  font-size: 11px;
  line-height: 1.35;
}
.chat__form {
  display: flex;
  gap: 8px;
  padding: 12px;
  border-top: 1px solid var(--line);
  background: rgba(7, 9, 13, 0.7);
}
.chat__form input {
  flex: 1;
  padding: 10px 12px;
  border-radius: 10px;
  background: rgba(255, 255, 255, 0.04);
  border: 1px solid var(--line);
  font-size: 13.5px;
}
.chat__form input:focus {
  outline: none;
  border-color: rgba(212, 175, 106, 0.5);
}
.chat__form button {
  width: 38px;
  height: 38px;
  border-radius: 10px;
  background: var(--gold-grad);
  color: #1a1206;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  transition: transform 0.2s var(--ease);
}
.chat__form button:hover { transform: scale(1.05); }

/* -------------------- ELIGIBILITY QUIZ PAGE -------------------- */
.quiz-page {
  background:
    radial-gradient(900px 500px at 12% 10%, rgba(212, 175, 106, 0.12), transparent 60%),
    radial-gradient(900px 520px at 90% 20%, rgba(22, 38, 77, 0.36), transparent 62%),
    var(--bg);
}
.quiz-hero {
  position: relative;
  min-height: 100svh;
  padding: clamp(110px, 12vw, 155px) 0 clamp(70px, 8vw, 110px);
  overflow: hidden;
}
.quiz-hero__bg {
  position: absolute;
  inset: 0;
  pointer-events: none;
  overflow: hidden;
}
.quiz-hero__bg canvas {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  opacity: 0.45;
}
.quiz-hero__orb {
  position: absolute;
  width: 420px;
  height: 420px;
  border-radius: 999px;
  filter: blur(70px);
  opacity: 0.28;
}
.quiz-hero__orb--gold {
  left: -120px;
  top: 18%;
  background: rgba(212, 175, 106, 0.42);
}
.quiz-hero__orb--navy {
  right: -120px;
  bottom: 12%;
  background: rgba(22, 38, 77, 0.72);
}
.quiz-hero__grid {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  gap: clamp(28px, 6vw, 80px);
  align-items: center;
}
.quiz-hero__copy h1 {
  margin: 18px 0;
  font-size: clamp(44px, 7vw, 82px);
  line-height: 0.95;
  letter-spacing: -0.045em;
  font-weight: 400;
}
.quiz-hero__copy p {
  max-width: 580px;
  color: var(--text-2);
  font-size: clamp(16px, 2vw, 19px);
  line-height: 1.65;
}
.quiz-hero__trust {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-top: var(--s-5);
}
.quiz-hero__trust li {
  padding: 8px 12px;
  border-radius: var(--radius-pill);
  border: 1px solid rgba(212, 175, 106, 0.2);
  background: rgba(255, 255, 255, 0.04);
  color: var(--text-2);
  font-size: 13px;
}
.quiz-card {
  position: relative;
  border: 1px solid rgba(212, 175, 106, 0.2);
  border-radius: 32px;
  padding: clamp(22px, 4vw, 36px);
  background:
    linear-gradient(180deg, rgba(22, 28, 39, 0.78), rgba(8, 11, 17, 0.82)),
    rgba(7, 9, 13, 0.72);
  box-shadow: var(--shadow-card);
  backdrop-filter: blur(18px);
  overflow: hidden;
}
.quiz-card::before {
  content: "";
  position: absolute;
  inset: -1px;
  background: radial-gradient(600px 240px at 20% 0%, rgba(212, 175, 106, 0.16), transparent 60%);
  pointer-events: none;
}
.quiz-card__top,
.quiz-form {
  position: relative;
  z-index: 1;
}
.quiz-card__top {
  display: flex;
  justify-content: space-between;
  gap: var(--s-4);
  align-items: center;
  margin-bottom: 14px;
}
.quiz-card__kicker,
.quiz-card__progress {
  color: var(--gold-2);
  font-size: 12px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
}
.quiz-progress {
  position: relative;
  z-index: 1;
  height: 6px;
  border-radius: 999px;
  background: rgba(255, 255, 255, 0.08);
  overflow: hidden;
  margin-bottom: var(--s-6);
}
.quiz-progress span {
  display: block;
  width: 14.285%;
  height: 100%;
  border-radius: inherit;
  background: var(--gold-grad);
  transition: width 0.35s var(--ease);
}
.quiz-step {
  display: none;
  border: 0;
  padding: 0;
  margin: 0;
}
.quiz-step.is-active {
  display: block;
  animation: quizIn 0.35s var(--ease) both;
}
@keyframes quizIn {
  from { opacity: 0; transform: translateY(10px); }
  to { opacity: 1; transform: translateY(0); }
}
.quiz-step legend {
  display: block;
  margin-bottom: var(--s-5);
  font-family: var(--font-display);
  font-size: clamp(28px, 4vw, 42px);
  line-height: 1.05;
  letter-spacing: -0.03em;
  color: var(--text);
}
.quiz-options {
  display: grid;
  gap: 12px;
}
.quiz-options label {
  display: flex;
  gap: 12px;
  align-items: center;
  min-height: 56px;
  padding: 14px 16px;
  border: 1px solid rgba(255, 255, 255, 0.1);
  border-radius: 18px;
  color: var(--text-2);
  background: rgba(255, 255, 255, 0.035);
  cursor: pointer;
  transition: border-color 0.25s var(--ease), background 0.25s var(--ease), transform 0.25s var(--ease);
}
.quiz-options label:hover,
.quiz-options label:has(input:checked) {
  transform: translateY(-2px);
  border-color: rgba(212, 175, 106, 0.34);
  background: rgba(212, 175, 106, 0.08);
}
.quiz-options input {
  accent-color: var(--gold);
  width: 18px;
  height: 18px;
  flex: 0 0 auto;
}
.quiz-actions {
  display: flex;
  justify-content: space-between;
  gap: var(--s-3);
  margin-top: var(--s-6);
}
.quiz-actions .btn[disabled] {
  opacity: 0.45;
  cursor: not-allowed;
}
.quiz-result {
  position: relative;
  z-index: 1;
  animation: quizIn 0.4s var(--ease) both;
}
.quiz-result__label {
  display: inline-flex;
  margin-bottom: 12px;
  color: var(--gold-2);
  font-size: 12px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
}
.quiz-result h2 {
  font-size: clamp(34px, 5vw, 54px);
  font-weight: 400;
  letter-spacing: -0.035em;
  line-height: 1;
  margin-bottom: 14px;
}
.quiz-result p {
  color: var(--text-2);
  line-height: 1.65;
}
.quiz-result__reasons {
  display: grid;
  gap: 8px;
  margin: var(--s-5) 0;
}
.quiz-result__reasons li {
  position: relative;
  padding-left: 22px;
  color: var(--text-2);
  font-size: 14px;
}
.quiz-result__reasons li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 8px;
  width: 11px;
  height: 7px;
  border-left: 1.5px solid var(--gold);
  border-bottom: 1.5px solid var(--gold);
  transform: rotate(-45deg);
}
.quiz-lead {
  margin-top: var(--s-5);
  padding: clamp(18px, 3vw, 24px);
  border: 1px solid rgba(212, 175, 106, 0.16);
  border-radius: 24px;
  background:
    linear-gradient(180deg, rgba(255, 255, 255, 0.055), rgba(255, 255, 255, 0.02)),
    rgba(7, 9, 13, 0.34);
}
.quiz-lead__header {
  margin-bottom: var(--s-4);
}
.quiz-lead__header span {
  display: block;
  color: var(--gold-2);
  font-size: 11px;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  margin-bottom: 8px;
}
.quiz-lead__header h3 {
  font-size: clamp(22px, 3vw, 30px);
  line-height: 1.08;
  letter-spacing: -0.025em;
  margin-bottom: 8px;
}
.quiz-lead__header p {
  font-size: 14px;
}
.quiz-lead__grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 12px;
}
.quiz-lead label {
  display: grid;
  gap: 7px;
  color: var(--text-2);
  font-size: 13px;
  font-weight: 600;
}
.quiz-lead input[type="text"],
.quiz-lead input[type="email"],
.quiz-lead input[type="tel"],
.quiz-lead input[type="date"],
.quiz-lead input[type="datetime-local"],
.quiz-lead select {
  width: 100%;
  border: 1px solid rgba(255, 255, 255, 0.11);
  border-radius: 14px;
  background: rgba(3, 5, 9, 0.48);
  color: var(--text);
  font: inherit;
  font-weight: 400;
  padding: 12px 13px;
  outline: none;
  transition: border-color 0.25s var(--ease), box-shadow 0.25s var(--ease);
}
.quiz-lead select {
  appearance: none;
  background-image: linear-gradient(45deg, transparent 50%, rgba(212, 175, 106, 0.92) 50%),
    linear-gradient(135deg, rgba(212, 175, 106, 0.92) 50%, transparent 50%);
  background-position: calc(100% - 18px) 53%, calc(100% - 12px) 53%;
  background-size: 6px 6px, 6px 6px;
  background-repeat: no-repeat;
  padding-right: 38px;
}
.quiz-lead input:focus,
.quiz-lead select:focus {
  border-color: rgba(212, 175, 106, 0.55);
  box-shadow: 0 0 0 4px rgba(212, 175, 106, 0.08);
}
.quiz-lead__consent {
  display: flex !important;
  grid-template-columns: none !important;
  flex-direction: row;
  align-items: flex-start;
  gap: 10px !important;
  margin-top: 12px;
  color: var(--text-3) !important;
  font-size: 12.5px !important;
  line-height: 1.45;
  font-weight: 400 !important;
}
.quiz-lead__consent input {
  margin-top: 3px;
  accent-color: var(--gold);
}
.quiz-result__actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: var(--s-5);
}
.quiz-result__small {
  margin-top: var(--s-4);
  font-size: 12.5px;
  color: var(--text-3);
}
@media (max-width: 980px) {
  .quiz-hero__grid {
    grid-template-columns: 1fr;
  }
  .quiz-hero__copy {
    text-align: center;
  }
  .quiz-hero__copy p,
  .quiz-hero__trust {
    justify-content: center;
    margin-left: auto;
    margin-right: auto;
  }
}
@media (max-width: 560px) {
  .quiz-hero {
    padding-top: 105px;
  }
  .quiz-card {
    border-radius: 24px;
  }
  .quiz-lead__grid {
    grid-template-columns: 1fr;
  }
  .quiz-actions,
  .quiz-result__actions {
    flex-direction: column;
  }
  .quiz-actions .btn,
  .quiz-result__actions .btn {
    width: 100%;
  }
}

/* -------------------- REVEAL ANIMATIONS -------------------- */
[data-reveal] {
  opacity: 0;
  transform: translateY(24px);
  transition: opacity 0.8s var(--ease), transform 0.8s var(--ease);
}
[data-reveal].is-revealed {
  opacity: 1;
  transform: translateY(0);
}
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: 0.001ms !important;
    transition-duration: 0.001ms !important;
  }
  html { scroll-behavior: auto; }
  [data-reveal] { opacity: 1; transform: none; }
}