:root {
  --navy: #071B33;
  --navy-2: #0D2E56;
  --navy-3: #06162b;
  --gold: #C9A227;
  --gold-2: #F0D36A;
  --white: #FFFFFF;
  --light: #F5F6F8;
  --text: #111827;
  --muted: #667085;
  --border: rgba(7, 27, 51, 0.12);
  --shadow: 0 24px 70px rgba(7, 27, 51, 0.14);
  --shadow-dark: 0 28px 90px rgba(0, 0, 0, 0.35);
  --radius: 26px;
  --ease: cubic-bezier(.2, .8, .2, 1);
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
  scroll-padding-top: 110px;
}

body {
  margin: 0;
  font-family: "Inter", Arial, sans-serif;
  color: var(--text);
  background: var(--white);
  overflow-x: hidden;
}

a {
  color: inherit;
}

button,
input,
textarea,
select {
  font: inherit;
}

.container {
  width: min(1160px, calc(100% - 40px));
  margin: 0 auto;
}

.site-shell {
  min-height: 100vh;
  background:
    radial-gradient(circle at 5% 0%, rgba(201, 162, 39, 0.08), transparent 26%),
    radial-gradient(circle at 95% 8%, rgba(13, 46, 86, 0.10), transparent 30%),
    var(--white);
}

.top-bar {
  background: #04101f;
  color: rgba(255,255,255,0.78);
  font-size: 13px;
  padding: 9px 0;
}

.top-bar__inner {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 26px;
  flex-wrap: wrap;
}

.top-bar a {
  text-decoration: none;
  color: rgba(255,255,255,0.84);
}

.header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: rgba(7, 27, 51, 0.82);
  backdrop-filter: blur(18px);
  border-bottom: 1px solid rgba(255,255,255,0.10);
  transition: box-shadow .25s ease, background .25s ease;
}

.header.scrolled {
  background: rgba(7, 27, 51, 0.94);
  box-shadow: 0 18px 35px rgba(0,0,0,0.22);
}

.nav {
  min-height: 76px;
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  text-decoration: none;
  color: var(--white);
  font-weight: 900;
}

.brand__seal {
  width: 50px;
  height: 50px;
  display: grid;
  place-items: center;
  border-radius: 17px;
  color: var(--gold-2);
  border: 1px solid rgba(240, 211, 106, .58);
  background:
    linear-gradient(145deg, rgba(201,162,39,.25), rgba(255,255,255,.05)),
    rgba(255,255,255,.05);
  box-shadow: inset 0 1px 0 rgba(255,255,255,.18);
  letter-spacing: -0.06em;
}

.brand__text {
  font-family: "Playfair Display", serif;
  font-size: 30px;
  color: var(--white);
  letter-spacing: -0.04em;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 23px;
}

.nav-links a {
  color: rgba(255,255,255,.84);
  text-decoration: none;
  font-size: 14px;
  font-weight: 800;
  transition: color .22s ease, transform .22s ease;
}

.nav-links a:hover {
  color: var(--gold-2);
  transform: translateY(-1px);
}

.nav-cta {
  background: linear-gradient(135deg, var(--gold), var(--gold-2));
  color: var(--navy) !important;
  padding: 12px 17px;
  border-radius: 999px;
  box-shadow: 0 12px 30px rgba(201,162,39,.18);
}

.menu-toggle {
  display: none;
  width: 46px;
  height: 46px;
  border: 1px solid rgba(255,255,255,.18);
  background: rgba(255,255,255,.05);
  border-radius: 14px;
  cursor: pointer;
}

.menu-toggle span {
  display: block;
  width: 21px;
  height: 2px;
  margin: 5px auto;
  background: #fff;
  border-radius: 99px;
  transition: transform .25s ease, opacity .25s ease;
}

.menu-toggle.open span:nth-child(1) {
  transform: translateY(7px) rotate(45deg);
}

.menu-toggle.open span:nth-child(2) {
  opacity: 0;
}

.menu-toggle.open span:nth-child(3) {
  transform: translateY(-7px) rotate(-45deg);
}

.hero {
  position: relative;
  overflow: hidden;
  background:
    radial-gradient(circle at 12% 18%, rgba(240,211,106,.17), transparent 27%),
    radial-gradient(circle at 82% 22%, rgba(255,255,255,.08), transparent 24%),
    linear-gradient(135deg, #061529 0%, #0a2342 52%, #061529 100%);
  color: var(--white);
  padding: 96px 0 92px;
}

.hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,.04) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,.04) 1px, transparent 1px);
  background-size: 56px 56px;
  mask-image: linear-gradient(to bottom, rgba(0,0,0,.75), transparent 85%);
  pointer-events: none;
}

.hero__orb {
  position: absolute;
  border-radius: 50%;
  filter: blur(24px);
  opacity: .8;
  animation: drift 9s var(--ease) infinite alternate;
}

.hero__orb--one {
  width: 320px;
  height: 320px;
  left: -120px;
  top: 100px;
  background: rgba(201,162,39,.20);
}

.hero__orb--two {
  width: 420px;
  height: 420px;
  right: -170px;
  bottom: 0;
  background: rgba(13,46,86,.70);
}

.hero__grid {
  position: relative;
  z-index: 2;
  display: grid;
  grid-template-columns: 1.06fr .94fr;
  gap: 64px;
  align-items: center;
}

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  color: var(--gold-2);
  font-weight: 900;
  text-transform: uppercase;
  letter-spacing: .14em;
  font-size: 12px;
  margin: 0 0 18px;
}

.eyebrow::before {
  content: "";
  width: 34px;
  height: 1px;
  background: currentColor;
}

.eyebrow--dark {
  color: var(--gold);
}

h1, h2, h3, p {
  margin-top: 0;
}

h1 {
  font-family: "Playfair Display", serif;
  font-size: clamp(42px, 6vw, 78px);
  line-height: .96;
  letter-spacing: -.06em;
  margin-bottom: 24px;
}

h2 {
  font-family: "Playfair Display", serif;
  font-size: clamp(33px, 4vw, 54px);
  line-height: 1.03;
  letter-spacing: -.045em;
  margin-bottom: 18px;
  color: var(--navy);
}

h3 {
  color: var(--navy);
  font-size: 22px;
  line-height: 1.2;
}

.hero__subtitle {
  color: rgba(255,255,255,.86);
  font-size: 18px;
  line-height: 1.72;
}

.hero__subtitle--muted {
  color: rgba(255,255,255,.68);
}

.hero__actions {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  margin: 28px 0 22px;
}

.btn {
  min-height: 54px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border-radius: 999px;
  padding: 14px 22px;
  border: 1px solid transparent;
  text-decoration: none;
  font-weight: 900;
  cursor: pointer;
  transition: transform .25s var(--ease), box-shadow .25s var(--ease), border-color .25s ease, background .25s ease;
}

.btn:hover {
  transform: translateY(-4px);
}

.btn--primary {
  color: var(--navy);
  background: linear-gradient(135deg, var(--gold), var(--gold-2));
  box-shadow: 0 18px 34px rgba(201,162,39,.22);
}

.btn--ghost {
  color: var(--white);
  background: rgba(255,255,255,.06);
  border-color: rgba(255,255,255,.22);
}

.hero__trust {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
}

.hero__trust span {
  color: rgba(255,255,255,.74);
  border: 1px solid rgba(255,255,255,.12);
  background: rgba(255,255,255,.05);
  padding: 9px 12px;
  border-radius: 999px;
  font-size: 13px;
  font-weight: 700;
}

.credit-dashboard {
  position: relative;
  padding: 32px;
  border-radius: 34px;
  background:
    linear-gradient(145deg, rgba(255,255,255,.96), rgba(255,255,255,.86));
  box-shadow: var(--shadow-dark);
  border: 1px solid rgba(240,211,106,.35);
  color: var(--navy);
  min-height: 560px;
  animation: floatY 6s ease-in-out infinite;
}

.dashboard__shine {
  position: absolute;
  inset: 1px;
  border-radius: inherit;
  background: linear-gradient(115deg, transparent 0%, rgba(255,255,255,.72) 34%, transparent 52%);
  transform: translateX(-130%);
  animation: shine 5s ease-in-out infinite;
  pointer-events: none;
}

.dashboard__top {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  gap: 18px;
  margin-bottom: 20px;
}

.dashboard__top strong {
  display: block;
  font-size: 58px;
  letter-spacing: -.07em;
  color: var(--gold);
}

.dashboard__label {
  color: var(--muted);
  font-weight: 900;
  font-size: 13px;
  text-transform: uppercase;
  letter-spacing: .08em;
}

.dashboard__badge {
  background: rgba(201,162,39,.16);
  color: var(--navy);
  font-weight: 900;
  border: 1px solid rgba(201,162,39,.35);
  border-radius: 999px;
  padding: 9px 12px;
  font-size: 13px;
}

.credit-meter {
  display: grid;
  grid-template-columns: 1fr .78fr;
  gap: 18px;
  align-items: center;
  margin: 10px 0 24px;
}

.meter-ring {
  position: relative;
  width: 190px;
  max-width: 100%;
  aspect-ratio: 1;
}

.meter-ring svg {
  width: 100%;
  height: 100%;
  transform: rotate(-90deg);
}

.meter-bg,
.meter-line {
  fill: none;
  stroke-width: 13;
}

.meter-bg {
  stroke: #e8edf4;
}

.meter-line {
  stroke: url(#unused);
  stroke: var(--gold);
  stroke-linecap: round;
  stroke-dasharray: 452;
  stroke-dashoffset: 452;
}

.meter-line.animate {
  animation: meterFill 1.4s var(--ease) forwards;
}

.meter-text {
  position: absolute;
  inset: 0;
  display: grid;
  place-content: center;
  text-align: center;
}

.meter-text span {
  font-size: 44px;
  font-weight: 900;
  letter-spacing: -.05em;
}

.meter-text small {
  display: block;
  color: var(--muted);
  font-weight: 800;
  font-size: 12px;
}

.mini-chart {
  height: 158px;
  display: flex;
  align-items: end;
  justify-content: center;
  gap: 10px;
  padding: 18px;
  border-radius: 22px;
  background: #f2f5f9;
  border: 1px solid rgba(7,27,51,.08);
}

.mini-chart span {
  width: 18px;
  border-radius: 999px 999px 6px 6px;
  background: linear-gradient(to top, var(--navy), var(--gold));
  animation: chartGrow 1.2s var(--ease) both;
  transform-origin: bottom;
}

.mini-chart span:nth-child(2) { animation-delay: .1s; }
.mini-chart span:nth-child(3) { animation-delay: .2s; }
.mini-chart span:nth-child(4) { animation-delay: .3s; }
.mini-chart span:nth-child(5) { animation-delay: .4s; }

.progress-row {
  margin-bottom: 14px;
}

.progress-row > div:first-child {
  display: flex;
  justify-content: space-between;
  color: var(--navy);
  font-size: 13px;
  font-weight: 900;
  margin-bottom: 8px;
}

.progress {
  height: 11px;
  border-radius: 999px;
  background: #e8edf4;
  overflow: hidden;
}

.progress span,
.mini-progress span {
  display: block;
  height: 100%;
  width: 0;
  background: linear-gradient(90deg, var(--navy), var(--gold));
  border-radius: inherit;
}

.progress span.animate,
.mini-progress span.animate {
  animation: progressFill 1.2s var(--ease) forwards;
}

.floating-chip {
  position: absolute;
  z-index: 3;
  border-radius: 999px;
  padding: 12px 15px;
  background: rgba(255,255,255,.92);
  border: 1px solid rgba(201,162,39,.26);
  box-shadow: 0 18px 36px rgba(0,0,0,.18);
  color: var(--navy);
  font-weight: 900;
  font-size: 13px;
  animation: floatY 5s ease-in-out infinite;
}

.chip--one {
  left: -28px;
  top: 112px;
}

.chip--two {
  right: -26px;
  top: 225px;
  animation-delay: .8s;
}

.chip--three {
  left: 20px;
  bottom: 34px;
  animation-delay: 1.2s;
}

.chip--four {
  right: -14px;
  bottom: 102px;
  animation-delay: .4s;
}

.metric-strip {
  background: #061529;
  padding: 30px 0;
}

.metric-strip__grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 18px;
}

.metric {
  min-height: 122px;
  background: rgba(255,255,255,.06);
  border: 1px solid rgba(255,255,255,.10);
  border-radius: 22px;
  padding: 24px;
  color: var(--white);
}

.metric strong {
  display: block;
  color: var(--gold-2);
  font-size: 38px;
  letter-spacing: -.05em;
}

.metric span {
  color: rgba(255,255,255,.70);
  font-weight: 700;
}

.section {
  padding: 96px 0;
}

.section--soft,
.process-section,
.faq-section {
  background: var(--light);
}

.section-heading {
  max-width: 850px;
  margin-bottom: 44px;
}

.section-heading p:not(.eyebrow) {
  color: var(--muted);
  font-size: 18px;
  line-height: 1.74;
}

.cards {
  display: grid;
  gap: 22px;
}

.cards--three {
  grid-template-columns: repeat(3, 1fr);
}

.cards--four {
  grid-template-columns: repeat(4, 1fr);
}

.impact-card,
.service-card {
  position: relative;
  overflow: hidden;
  min-height: 250px;
  background: rgba(255,255,255,.92);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 28px;
  box-shadow: 0 18px 45px rgba(7,27,51,.07);
  transition: transform .28s var(--ease), box-shadow .28s var(--ease), border-color .28s ease;
}

.impact-card::after,
.service-card::after {
  content: "";
  position: absolute;
  right: -50px;
  top: -50px;
  width: 145px;
  height: 145px;
  border-radius: 50%;
  background: rgba(201,162,39,.12);
  transition: transform .35s var(--ease);
}

.impact-card:hover,
.service-card:hover {
  transform: translateY(-10px);
  box-shadow: var(--shadow);
  border-color: rgba(201,162,39,.42);
}

.impact-card:hover::after,
.service-card:hover::after {
  transform: scale(1.22);
}

.card-icon {
  font-size: 34px;
  margin-bottom: 20px;
}

.impact-card p,
.service-card p {
  position: relative;
  z-index: 1;
  color: var(--muted);
  line-height: 1.7;
}

.service-number {
  display: inline-grid;
  place-items: center;
  width: 50px;
  height: 50px;
  background: rgba(201,162,39,.13);
  border-radius: 16px;
  color: var(--gold);
  font-weight: 900;
  margin-bottom: 18px;
}

.section-disclaimer {
  margin-top: 24px;
  color: var(--muted);
  font-size: 14px;
  line-height: 1.7;
}

.factors-section {
  background:
    radial-gradient(circle at 10% 30%, rgba(201,162,39,.08), transparent 25%),
    #fff;
}

.split {
  display: grid;
  grid-template-columns: .94fr 1.06fr;
  gap: 56px;
  align-items: center;
}

.split--reverse {
  grid-template-columns: 1fr 1fr;
}

.lead {
  color: var(--muted);
  font-size: 18px;
  line-height: 1.75;
}

.factor-visual {
  min-height: 480px;
  display: grid;
  place-items: center;
}

.factor-orbit {
  position: relative;
  width: min(430px, 86vw);
  aspect-ratio: 1;
  border-radius: 50%;
  background:
    radial-gradient(circle, rgba(201,162,39,.18), transparent 44%),
    linear-gradient(135deg, rgba(7,27,51,.98), rgba(13,46,86,.94));
  box-shadow: var(--shadow);
  border: 1px solid rgba(201,162,39,.22);
  animation: slowRotate 26s linear infinite;
}

.factor-orbit > span {
  position: absolute;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-width: 112px;
  padding: 12px 14px;
  border-radius: 999px;
  background: rgba(255,255,255,.94);
  border: 1px solid rgba(201,162,39,.28);
  color: var(--navy);
  font-weight: 900;
  font-size: 13px;
  box-shadow: 0 16px 32px rgba(0,0,0,.18);
  animation: counterRotate 26s linear infinite;
}

.factor-orbit > span:nth-child(1) { left: 50%; top: -18px; transform: translateX(-50%); }
.factor-orbit > span:nth-child(2) { right: -38px; top: 28%; }
.factor-orbit > span:nth-child(3) { right: 18px; bottom: 28px; }
.factor-orbit > span:nth-child(4) { left: 12px; bottom: 28px; }
.factor-orbit > span:nth-child(5) { left: -38px; top: 28%; }

.factor-center {
  position: absolute;
  inset: 31%;
  border-radius: 50%;
  display: grid;
  place-content: center;
  text-align: center;
  background: rgba(255,255,255,.11);
  border: 1px solid rgba(255,255,255,.16);
  color: var(--white);
  animation: counterRotate 26s linear infinite;
}

.factor-center strong {
  font-family: "Playfair Display", serif;
  font-size: 33px;
  letter-spacing: -.05em;
}

.factor-center small {
  color: var(--gold-2);
  font-weight: 900;
}

.factor-list {
  display: grid;
  gap: 13px;
  margin-top: 24px;
}

.factor-item {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 19px;
  padding: 18px;
  box-shadow: 0 12px 32px rgba(7,27,51,.05);
}

.factor-item strong {
  display: block;
  color: var(--navy);
  font-size: 16px;
}

.factor-item span {
  display: block;
  color: var(--muted);
  margin: 4px 0 12px;
  font-size: 14px;
}

.mini-progress {
  height: 9px;
  border-radius: 999px;
  overflow: hidden;
  background: #e8edf4;
}

.plan-section {
  color: var(--white);
  background:
    radial-gradient(circle at 90% 14%, rgba(201,162,39,.17), transparent 26%),
    linear-gradient(135deg, #061529, #0D2E56);
}

.plan-grid {
  display: grid;
  grid-template-columns: .9fr 1.1fr;
  gap: 44px;
  align-items: center;
}

.plan-section h2,
.about-section h2,
.contact-section h2 {
  color: var(--white);
}

.plan-copy p,
.contact-copy p {
  color: rgba(255,255,255,.78);
  line-height: 1.75;
  font-size: 18px;
}

.plan-highlight {
  border-left: 4px solid var(--gold);
  padding: 16px 0 16px 18px;
  margin: 24px 0;
  color: var(--white);
  font-weight: 900;
  line-height: 1.5;
}

.plan-card {
  position: relative;
  overflow: hidden;
  border-radius: 34px;
  padding: 36px;
  background: rgba(255,255,255,.08);
  border: 1px solid rgba(255,255,255,.13);
  box-shadow: var(--shadow-dark);
}

.plan-card::before {
  content: "";
  position: absolute;
  width: 220px;
  height: 220px;
  right: -80px;
  top: -80px;
  border-radius: 50%;
  background: rgba(240,211,106,.16);
}

.plan-price {
  position: relative;
  color: var(--gold-2);
  font-size: 72px;
  font-weight: 900;
  letter-spacing: -.07em;
  margin-bottom: 8px;
}

.plan-price span {
  font-size: 20px;
  letter-spacing: 0;
  color: rgba(255,255,255,.65);
}

.plan-subtitle {
  position: relative;
  color: #fff;
  font-weight: 900;
}

.premium-list {
  position: relative;
  list-style: none;
  padding: 0;
  margin: 0;
}

.premium-list li {
  position: relative;
  padding-left: 30px;
  margin: 12px 0;
  color: rgba(255,255,255,.82);
  line-height: 1.48;
}

.premium-list li::before {
  content: "✓";
  position: absolute;
  left: 0;
  top: -1px;
  color: var(--gold-2);
  font-weight: 900;
}

.legal-note {
  position: relative;
  color: rgba(255,255,255,.56);
  font-size: 13px;
  line-height: 1.7;
  margin-top: 22px;
}

.tools-section {
  background: #fff;
}

.tools-section p {
  color: var(--muted);
  line-height: 1.75;
}

.tools-grid {
  display: grid;
  gap: 14px;
}

.tools-grid div {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 18px;
  padding: 19px 20px;
  color: var(--navy);
  font-weight: 900;
  box-shadow: 0 14px 35px rgba(7,27,51,.06);
  transition: transform .25s var(--ease), border-color .25s ease;
}

.tools-grid div:hover {
  transform: translateX(8px);
  border-color: rgba(201,162,39,.45);
}

.timeline {
  position: relative;
  display: grid;
  gap: 18px;
  max-width: 980px;
}

.timeline::before {
  content: "";
  position: absolute;
  left: 31px;
  top: 20px;
  bottom: 20px;
  width: 2px;
  background: linear-gradient(to bottom, var(--gold), rgba(201,162,39,.05));
}

.timeline-item {
  position: relative;
  display: grid;
  grid-template-columns: 64px 1fr;
  gap: 22px;
  padding: 24px;
  background: var(--white);
  border-radius: 24px;
  border: 1px solid var(--border);
  box-shadow: 0 16px 40px rgba(7,27,51,.06);
}

.timeline-item > span {
  position: relative;
  z-index: 2;
  width: 62px;
  height: 62px;
  display: grid;
  place-items: center;
  border-radius: 20px;
  background: linear-gradient(135deg, var(--gold), var(--gold-2));
  color: var(--navy);
  font-weight: 900;
  box-shadow: 0 14px 24px rgba(201,162,39,.18);
}

.timeline-item p {
  color: var(--muted);
  line-height: 1.72;
  margin: 0;
}

.about-section {
  background:
    radial-gradient(circle at 8% 10%, rgba(201,162,39,.16), transparent 28%),
    linear-gradient(135deg, #061529, #0D2E56);
  color: var(--white);
}

.about-grid {
  display: grid;
  grid-template-columns: 1.05fr .95fr;
  gap: 40px;
  align-items: center;
}

.about-panel {
  padding: 38px;
  border-radius: 32px;
  background: rgba(255,255,255,.08);
  border: 1px solid rgba(255,255,255,.13);
  box-shadow: var(--shadow-dark);
}

.about-panel p {
  color: rgba(255,255,255,.78);
  line-height: 1.75;
}

.about-panel h3 {
  color: var(--gold-2);
}

.trust-stack {
  display: grid;
  gap: 16px;
}

.trust-stack article {
  padding: 24px;
  border-radius: 22px;
  background: rgba(255,255,255,.94);
  color: var(--navy);
  box-shadow: 0 18px 40px rgba(0,0,0,.20);
  border: 1px solid rgba(201,162,39,.25);
}

.trust-stack strong {
  display: block;
  font-size: 22px;
  margin-bottom: 8px;
}

.trust-stack p {
  color: var(--muted);
  margin: 0;
  line-height: 1.65;
}

.faq-list {
  max-width: 930px;
}

details {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 19px;
  margin-bottom: 14px;
  overflow: hidden;
  box-shadow: 0 12px 30px rgba(7,27,51,.05);
}

summary {
  position: relative;
  cursor: pointer;
  padding: 22px 58px 22px 22px;
  color: var(--navy);
  font-weight: 900;
  list-style: none;
}

summary::-webkit-details-marker {
  display: none;
}

summary::after {
  content: "+";
  position: absolute;
  right: 22px;
  top: 50%;
  transform: translateY(-50%);
  font-size: 25px;
  color: var(--gold);
  transition: transform .25s ease;
}

details[open] summary::after {
  transform: translateY(-50%) rotate(45deg);
}

details p {
  margin: 0;
  padding: 0 22px 22px;
  color: var(--muted);
  line-height: 1.75;
}

.contact-section {
  background:
    radial-gradient(circle at 82% 20%, rgba(201,162,39,.16), transparent 28%),
    linear-gradient(135deg, #061529, #0D2E56);
  color: var(--white);
}

.contact-grid {
  display: grid;
  grid-template-columns: .9fr 1.1fr;
  gap: 44px;
  align-items: start;
}

.contact-methods {
  display: grid;
  gap: 12px;
  margin-top: 26px;
}

.contact-methods a,
.contact-methods span {
  display: block;
  color: rgba(255,255,255,.86);
  text-decoration: none;
  padding: 16px 18px;
  border-radius: 17px;
  background: rgba(255,255,255,.07);
  border: 1px solid rgba(255,255,255,.12);
  font-weight: 800;
}

.contact-form {
  display: grid;
  gap: 14px;
  background: rgba(255,255,255,.96);
  color: var(--navy);
  border-radius: 30px;
  padding: 30px;
  box-shadow: var(--shadow-dark);
  border: 1px solid rgba(201,162,39,.24);
}

.contact-form label {
  display: grid;
  gap: 8px;
  font-size: 14px;
  font-weight: 900;
}

.contact-form input,
.contact-form textarea,
.contact-form select {
  width: 100%;
  border: 1px solid rgba(7,27,51,.16);
  border-radius: 15px;
  padding: 14px 15px;
  color: var(--text);
  background: #fff;
  outline: none;
  transition: border-color .2s ease, box-shadow .2s ease;
}

.contact-form input:focus,
.contact-form textarea:focus,
.contact-form select:focus {
  border-color: var(--gold);
  box-shadow: 0 0 0 4px rgba(201,162,39,.14);
}

.contact-form button {
  width: fit-content;
  border: 0;
}

.form-note {
  font-size: 13px;
  color: var(--muted);
  margin: 0;
  line-height: 1.55;
}

.legal-section {
  background: #f8fafc;
  padding: 58px 0;
}

.legal-section h2 {
  font-size: 32px;
}

.legal-section p {
  color: #475467;
  font-size: 14px;
  line-height: 1.75;
}

.footer {
  background: #04101f;
  color: rgba(255,255,255,.72);
  padding: 54px 0 26px;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.3fr 1fr 1fr;
  gap: 34px;
}

.footer-brand {
  margin-bottom: 16px;
}

.footer p {
  line-height: 1.7;
}

.footer h4 {
  margin: 0 0 14px;
  color: #fff;
}

.footer a {
  display: block;
  color: rgba(255,255,255,.72);
  text-decoration: none;
  margin: 8px 0;
  transition: color .2s ease;
}

.footer a:hover {
  color: var(--gold-2);
}

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.09);
  margin-top: 34px;
  padding-top: 18px;
  font-size: 13px;
}

.floating-call {
  position: fixed;
  z-index: 1500;
  right: 22px;
  bottom: 22px;
  display: inline-flex;
  align-items: center;
  gap: 9px;
  min-height: 50px;
  padding: 13px 18px;
  border-radius: 999px;
  background: linear-gradient(135deg, var(--gold), var(--gold-2));
  color: var(--navy);
  text-decoration: none;
  font-weight: 900;
  box-shadow: 0 16px 38px rgba(0,0,0,.24);
  animation: pulse 2.6s ease-in-out infinite;
}

.floating-call span {
  font-size: 18px;
}

.reveal {
  opacity: 0;
  transition-property: opacity, transform;
  transition-duration: .78s;
  transition-timing-function: var(--ease);
}

.fade-up {
  transform: translateY(38px);
}

.slide-left {
  transform: translateX(-46px);
}

.slide-right {
  transform: translateX(46px);
}

.scale-in {
  transform: scale(.94) translateY(20px);
}

.reveal.visible {
  opacity: 1;
  transform: translate(0,0) scale(1);
}

.delay-1 { transition-delay: .12s; }
.delay-2 { transition-delay: .22s; }
.delay-3 { transition-delay: .32s; }

@keyframes floatY {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-16px); }
}

@keyframes drift {
  0% { transform: translate(0,0) scale(1); }
  100% { transform: translate(40px, -22px) scale(1.08); }
}

@keyframes shine {
  0%, 55% { transform: translateX(-130%); opacity: 0; }
  65% { opacity: .7; }
  100% { transform: translateX(130%); opacity: 0; }
}

@keyframes chartGrow {
  from { transform: scaleY(0); }
  to { transform: scaleY(1); }
}

@keyframes meterFill {
  to { stroke-dashoffset: 120; }
}

@keyframes progressFill {
  to { width: var(--target); }
}

@keyframes slowRotate {
  to { transform: rotate(360deg); }
}

@keyframes counterRotate {
  to { transform: rotate(-360deg); }
}

@keyframes pulse {
  0%, 100% { transform: scale(1); box-shadow: 0 16px 38px rgba(0,0,0,.24); }
  50% { transform: scale(1.035); box-shadow: 0 20px 46px rgba(201,162,39,.28); }
}

@media (max-width: 1020px) {
  .hero__grid,
  .plan-grid,
  .split,
  .split--reverse,
  .about-grid,
  .contact-grid {
    grid-template-columns: 1fr;
  }

  .credit-dashboard {
    max-width: 680px;
    margin: 0 auto;
  }

  .cards--four {
    grid-template-columns: repeat(2, 1fr);
  }

  .metric-strip__grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 860px) {
  .menu-toggle {
    display: block;
  }

  .nav-links {
    position: fixed;
    top: 114px;
    left: 20px;
    right: 20px;
    display: none;
    flex-direction: column;
    align-items: stretch;
    gap: 0;
    padding: 16px;
    background: rgba(7,27,51,.98);
    border: 1px solid rgba(255,255,255,.14);
    border-radius: 22px;
    box-shadow: var(--shadow-dark);
  }

  .nav-links.open {
    display: flex;
  }

  .nav-links a {
    padding: 14px 12px;
  }

  .nav-cta {
    text-align: center;
    margin-top: 8px;
  }

  .cards--three {
    grid-template-columns: 1fr;
  }

  .top-bar__inner {
    gap: 12px;
    font-size: 12px;
  }

  .timeline::before {
    display: none;
  }
}

@media (max-width: 620px) {
  .container {
    width: min(100% - 28px, 1160px);
  }

  .top-bar {
    display: none;
  }

  .nav {
    min-height: 72px;
  }

  .nav-links {
    top: 86px;
  }

  .hero {
    padding: 72px 0 66px;
  }

  .hero__actions {
    display: grid;
  }

  .btn,
  .contact-form button {
    width: 100%;
  }

  .credit-dashboard,
  .plan-card,
  .about-panel,
  .contact-form {
    border-radius: 24px;
    padding: 24px;
  }

  .credit-meter {
    grid-template-columns: 1fr;
  }

  .meter-ring {
    margin: 0 auto;
  }

  .floating-chip {
    display: none;
  }

  .cards--four,
  .metric-strip__grid,
  .footer-grid {
    grid-template-columns: 1fr;
  }

  .section {
    padding: 70px 0;
  }

  .factor-orbit > span {
    min-width: auto;
    font-size: 12px;
  }

  .factor-orbit > span:nth-child(2),
  .factor-orbit > span:nth-child(5) {
    display: none;
  }

  .timeline-item {
    grid-template-columns: 1fr;
  }

  .floating-call {
    left: 18px;
    right: 18px;
    justify-content: center;
  }
}


/* Evolución visual premium */
.brand__logo {
  display: block;
  width: 250px;
  max-width: min(52vw, 250px);
  height: auto;
  filter: drop-shadow(0 10px 24px rgba(0,0,0,.18));
}

.brand__logo--footer {
  width: 260px;
  max-width: 100%;
}

.dashboard__media {
  position: relative;
  margin-top: 24px;
  border-radius: 22px;
  overflow: hidden;
  border: 1px solid rgba(255,255,255,.14);
  background: rgba(255,255,255,.04);
  box-shadow: 0 18px 42px rgba(0,0,0,.22);
}

.dashboard__media img {
  width: 100%;
  display: block;
  aspect-ratio: 16 / 9;
  object-fit: cover;
}

.dashboard__media::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(to top, rgba(3,10,23,.82), rgba(3,10,23,.14) 55%, rgba(3,10,23,0));
}

.dashboard__media-overlay {
  position: absolute;
  left: 18px;
  right: 18px;
  bottom: 16px;
  z-index: 2;
  display: grid;
  gap: 6px;
}

.dashboard__media-overlay span {
  display: inline-flex;
  width: fit-content;
  padding: 6px 12px;
  border-radius: 999px;
  background: rgba(240,211,106,.16);
  color: var(--gold-2);
  font-size: 11px;
  font-weight: 800;
  letter-spacing: .08em;
  text-transform: uppercase;
}

.dashboard__media-overlay strong {
  font-size: 18px;
  line-height: 1.3;
}

.visual-showcase {
  background:
    radial-gradient(circle at 10% 10%, rgba(201,162,39,.08), transparent 26%),
    linear-gradient(180deg, #fff, #f8fafc 100%);
}

.visual-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 28px;
}

.visual-card {
  background: rgba(255,255,255,.86);
  border: 1px solid rgba(7,27,51,.10);
  border-radius: 28px;
  overflow: hidden;
  box-shadow: var(--shadow);
}

.visual-card__image {
  position: relative;
  background: #091a31;
}

.visual-card__image img {
  width: 100%;
  display: block;
  aspect-ratio: 16 / 10;
  object-fit: cover;
}

.visual-card__body {
  padding: 24px 24px 28px;
}

.visual-tag {
  display: inline-flex;
  padding: 7px 12px;
  border-radius: 999px;
  background: rgba(13,46,86,.07);
  color: var(--navy-2);
  font-size: 11px;
  font-weight: 900;
  text-transform: uppercase;
  letter-spacing: .1em;
  margin-bottom: 12px;
}

.visual-card__body h3 {
  margin: 0 0 12px;
  font-size: clamp(24px, 2vw, 30px);
  line-height: 1.2;
  color: var(--navy);
}

.visual-card__body p {
  margin: 0;
  color: var(--muted);
  line-height: 1.75;
}

.checkbox-field {
  display: grid;
  grid-template-columns: 20px 1fr;
  align-items: start;
  gap: 12px;
  padding: 16px 18px;
  border-radius: 18px;
  border: 1px solid rgba(7,27,51,.12);
  background: #f8fafc;
  margin-top: 4px;
}

.checkbox-field input {
  margin-top: 2px;
  width: 18px;
  height: 18px;
}

.checkbox-field span {
  font-size: 13px;
  line-height: 1.7;
  color: #425466;
}

.form-note--soft {
  color: #7b8794;
}

@media (max-width: 1020px) {
  .visual-grid {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 860px) {
  .brand__logo {
    width: 205px;
    max-width: 58vw;
  }
}

@media (max-width: 620px) {
  .brand__logo {
    width: 185px;
    max-width: 60vw;
  }

  .dashboard__media-overlay strong {
    font-size: 16px;
  }

  .visual-card__body {
    padding: 20px 18px 22px;
  }

  .checkbox-field {
    grid-template-columns: 18px 1fr;
    padding: 14px;
  }
}


/* V4 refinamientos de calidad visual */
.brand {
  gap: 0;
}

.brand__logo-card {
  width: 290px;
  max-width: min(56vw, 290px);
  background: linear-gradient(180deg, rgba(255,255,255,1), rgba(251,252,255,.98));
  border: 1px solid rgba(12,28,52,.08);
  border-radius: 18px;
  padding: 10px 14px;
  box-shadow: 0 12px 30px rgba(4,14,28,.14), inset 0 1px 0 rgba(255,255,255,.9);
  filter: none;
}

.brand__logo--footer {
  width: 300px;
  max-width: 100%;
}

.hero__content {
  position: relative;
  z-index: 2;
}

.hero__visual .dashboard {
  backdrop-filter: blur(18px);
  border-color: rgba(255,255,255,.14);
}

.dashboard__media {
  border-radius: 24px;
}

.dashboard__media img,
.visual-card__image img {
  transform: translateZ(0);
  backface-visibility: hidden;
}

.visual-card {
  transition: transform .3s ease, box-shadow .3s ease;
}

.visual-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 24px 60px rgba(8,23,46,.12);
}

.form-card {
  box-shadow: 0 24px 70px rgba(8,23,46,.10);
}

@media (max-width: 860px) {
  .brand__logo-card {
    width: 240px;
    max-width: 62vw;
    padding: 8px 12px;
  }
}

@media (max-width: 620px) {
  .brand__logo-card {
    width: 205px;
    max-width: 66vw;
    padding: 7px 10px;
    border-radius: 14px;
  }
}