:root{
    --ink:#141B4D;
    --ink-soft:#4A5178;
    --blue:#3B4FE4;
    --blue-deep:#1E2A8A;
    --coral:#FF6B5E;
    --coral-soft:#FFE4E0;
    --yellow:#FFC24B;
    --mint:#1FC7A3;
    --mint-soft:#DDF7F0;
    --lav:#EEF1FF;
    --paper:#FFFFFF;
    --bg:#F6F8FF;
    --shadow:0 18px 40px -18px rgba(30,42,138,.35);
    --shadow-sm:0 8px 24px -12px rgba(30,42,138,.28);
    --r:22px;
    --maxw:1160px;
  }
  *{box-sizing:border-box;margin:0;padding:0}
  html{scroll-behavior:smooth}
  body{
    font-family:'Be Vietnam Pro',system-ui,sans-serif;
    color:var(--ink);
    background:var(--bg);
    line-height:1.6;
    -webkit-font-smoothing:antialiased;
    overflow-x:hidden;
  }
  h1,h2,h3,h4{line-height:1.15;letter-spacing:-.02em;font-weight:800}
  a{text-decoration:none;color:inherit}
  img{max-width:100%;display:block}
  .wrap{max-width:var(--maxw);margin:0 auto;padding:0 22px}
  .eyebrow{
    display:inline-flex;align-items:center;gap:8px;
    font-size:13px;font-weight:700;letter-spacing:.04em;text-transform:uppercase;
    color:var(--blue);background:var(--lav);
    padding:7px 15px;border-radius:100px;
  }
  .btn{
    display:inline-flex;align-items:center;justify-content:center;gap:9px;
    font-family:inherit;font-weight:700;font-size:16px;
    padding:15px 30px;border-radius:100px;border:none;cursor:pointer;
    transition:transform .18s ease, box-shadow .18s ease;
    white-space:nowrap;
  }
  .btn-primary{
    background:linear-gradient(135deg,var(--coral),#FF8A6B);
    color:#fff;box-shadow:0 12px 26px -10px rgba(255,107,94,.7);
  }
  .btn-primary:hover{transform:translateY(-3px);box-shadow:0 18px 34px -10px rgba(255,107,94,.8)}
  .btn-ghost{background:#fff;color:var(--ink);box-shadow:var(--shadow-sm)}
  .btn-ghost:hover{transform:translateY(-3px)}
  .btn-white{background:#fff;color:var(--blue-deep)}
  .btn-white:hover{transform:translateY(-3px);box-shadow:0 16px 30px -12px rgba(0,0,0,.3)}

  /* ---------- NAV ---------- */
  header{position:sticky;top:0;z-index:50;background:rgba(246,248,255,.82);backdrop-filter:blur(12px);border-bottom:1px solid rgba(20,27,77,.06)}
  .nav{display:flex;align-items:center;justify-content:space-between;height:72px}
  .logo{display:flex;align-items:center;gap:10px;font-weight:900;font-size:19px;letter-spacing:-.03em;white-space:nowrap}
  .logo .mark{width:38px;height:38px;border-radius:12px;background:linear-gradient(135deg,var(--blue),var(--coral));display:grid;place-items:center;color:#fff;font-size:20px;box-shadow:var(--shadow-sm);flex-shrink:0}
  .navlinks{display:flex;gap:30px;font-weight:600;font-size:15px;color:var(--ink-soft)}
  .navlinks a:hover{color:var(--blue)}
  .nav-cta{display:flex;align-items:center;gap:14px}
  .nav .btn{padding:11px 22px;font-size:15px}
  @media(max-width:860px){.navlinks{display:none}}
  @media(max-width:440px){
    .logo{font-size:16px;gap:8px}
    .logo .mark{width:32px;height:32px;font-size:17px}
    .nav .btn{padding:10px 16px;font-size:14px}
  }

  /* ---------- HERO ---------- */
  .hero{position:relative;padding:70px 0 90px;overflow:hidden}
  .blob{position:absolute;border-radius:50%;filter:blur(10px);opacity:.5;z-index:0}
  .blob.a{width:420px;height:420px;background:radial-gradient(circle,#C9D3FF,transparent 70%);top:-120px;right:-80px}
  .blob.b{width:360px;height:360px;background:radial-gradient(circle,#FFD8CF,transparent 70%);bottom:-120px;left:-100px}
  .hero-grid{position:relative;z-index:2;display:grid;grid-template-columns:1.05fr .95fr;gap:50px;align-items:center}
  .hero h1{font-size:clamp(32px,5vw,54px);font-weight:900;margin:20px 0 18px}
  .hero h1 .hl{position:relative;color:var(--coral);white-space:nowrap}
  .hero h1 .hl svg{position:absolute;left:0;bottom:-8px;width:100%;height:12px}
  .hero p.lead{font-size:clamp(16px,2vw,19px);color:var(--ink-soft);max-width:540px;margin-bottom:30px}
  .hero-cta{display:flex;gap:14px;flex-wrap:wrap;align-items:center}
  .trust-row{display:flex;align-items:center;gap:18px;margin-top:34px;flex-wrap:wrap}
  .gift-teaser{display:inline-flex;align-items:center;gap:6px;margin-top:18px;background:linear-gradient(135deg,#FFF3D6,#FFE4E0);border:1px solid #FFD8B0;color:#8a4b1e;font-weight:700;font-size:14.5px;padding:10px 18px;border-radius:100px;transition:transform .16s ease,box-shadow .16s ease}
  .gift-teaser:hover{transform:translateY(-2px);box-shadow:var(--shadow-sm)}
  .trust-row .banks{display:flex;gap:10px;flex-wrap:wrap}
  .bank-chip{background:#fff;border-radius:12px;padding:8px 14px;font-weight:800;font-size:14px;box-shadow:var(--shadow-sm);display:flex;align-items:center;gap:7px}
  .bank-chip .dot{width:9px;height:9px;border-radius:50%}
  .trust-note{font-size:14px;color:var(--ink-soft);font-weight:600}

  /* hero visual */
  .hero-visual{position:relative;min-height:420px}
  .phone{
    position:relative;z-index:3;width:288px;margin:0 auto;
    background:linear-gradient(160deg,var(--blue-deep),var(--blue));
    border-radius:36px;padding:16px;box-shadow:var(--shadow);
  }
  .phone .screen{background:#fff;border-radius:24px;padding:20px 16px;min-height:400px}
  .phone .status{display:flex;justify-content:space-between;font-size:12px;color:var(--ink-soft);font-weight:600;margin-bottom:18px}
  .phone .balance-card{background:linear-gradient(135deg,var(--coral),#FF9776);border-radius:18px;padding:18px 16px;color:#fff;box-shadow:0 12px 24px -12px rgba(255,107,94,.7)}
  .phone .balance-card .lbl{font-size:12px;opacity:.9;font-weight:600}
  .phone .balance-card .amt{font-size:24px;font-weight:900;margin-top:4px;white-space:nowrap;letter-spacing:-.5px}
  .phone .balance-card .acc{font-size:11.5px;opacity:.9;margin-top:10px;letter-spacing:.03em;white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
  .phone .row{display:flex;align-items:center;gap:11px;padding:13px 0;border-bottom:1px solid #F0F2F9}
  .phone .row:last-child{border-bottom:none}
  .phone .row .ic{width:36px;height:36px;border-radius:11px;display:grid;place-items:center;flex-shrink:0}
  .phone .row .mid{min-width:0;flex:1}
  .phone .row .t{font-weight:700;font-size:13px;white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
  .phone .row .s{font-size:11px;color:var(--ink-soft);white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
  .phone .row .val{font-weight:800;font-size:12.5px;color:var(--mint);flex-shrink:0;white-space:nowrap}
  .float-card{
    position:absolute;background:#fff;border-radius:16px;padding:12px 15px;
    box-shadow:var(--shadow);display:flex;align-items:center;gap:11px;z-index:4;font-weight:700;
  }
  .float-card .ic{width:34px;height:34px;border-radius:10px;display:grid;place-items:center;flex-shrink:0}
  .float-card small{display:block;font-weight:600;font-size:11px;color:var(--ink-soft)}
  .float-card b{font-size:14px}
  .fc1{top:20px;left:-6px;animation:float 4s ease-in-out infinite}
  .fc2{bottom:60px;right:-10px;animation:float 4.6s ease-in-out .6s infinite}
  .fc3{bottom:-8px;left:30px;animation:float 5s ease-in-out .3s infinite}
  @keyframes float{0%,100%{transform:translateY(0)}50%{transform:translateY(-12px)}}
  @media(max-width:900px){
    .hero-grid{grid-template-columns:1fr;gap:60px}
    .hero-visual{min-height:auto}
    .float-card.fc1{left:0}.float-card.fc2{right:0}
  }

  /* wave divider */
  .wave{display:block;width:100%;height:60px}

  /* ---------- BENEFIT STRIP ---------- */
  .benefits{background:#fff;padding:64px 0}
  .sec-head{text-align:center;max-width:660px;margin:0 auto 46px}
  .sec-head h2{font-size:clamp(26px,3.6vw,40px);margin:14px 0 12px}
  .sec-head p{color:var(--ink-soft);font-size:17px}
  .ben-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
  .ben-card{background:var(--bg);border-radius:var(--r);padding:26px 22px;transition:transform .2s ease,box-shadow .2s ease;border:1px solid transparent}
  .ben-card:hover{transform:translateY(-6px);box-shadow:var(--shadow);background:#fff;border-color:var(--lav)}
  .ben-card .ic{width:54px;height:54px;border-radius:16px;display:grid;place-items:center;margin-bottom:16px}
  .ben-card h4{font-size:18px;margin-bottom:7px}
  .ben-card p{font-size:14.5px;color:var(--ink-soft)}
  @media(max-width:900px){.ben-grid{grid-template-columns:repeat(2,1fr)}}
  @media(max-width:520px){.ben-grid{grid-template-columns:1fr}}

  /* ---------- WHY NOW ---------- */
  .why{padding:70px 0}
  .why-grid{display:grid;grid-template-columns:1fr 1fr;gap:50px;align-items:center}
  .why-card{background:linear-gradient(150deg,var(--blue-deep),var(--blue));border-radius:28px;padding:38px;color:#fff;box-shadow:var(--shadow);position:relative;overflow:hidden}
  .why-card .glow{position:absolute;width:220px;height:220px;border-radius:50%;background:radial-gradient(circle,rgba(255,194,75,.5),transparent 70%);top:-60px;right:-40px}
  .why-item{display:flex;gap:15px;padding:16px 0;border-bottom:1px solid rgba(255,255,255,.14);position:relative;z-index:2}
  .why-item:last-child{border-bottom:none}
  .why-item .n{width:34px;height:34px;border-radius:10px;background:rgba(255,255,255,.16);display:grid;place-items:center;font-weight:800;flex-shrink:0}
  .why-item h4{font-size:16.5px;color:#fff}
  .why-item p{font-size:14px;color:rgba(255,255,255,.82)}
  .why-copy .eyebrow{margin-bottom:16px}
  .why-copy h2{font-size:clamp(26px,3.4vw,38px);margin-bottom:16px}
  .why-copy p{color:var(--ink-soft);font-size:16.5px;margin-bottom:14px}
  .why-copy .check{display:flex;align-items:center;gap:10px;font-weight:600;margin:10px 0}
  .why-copy .check span{width:26px;height:26px;border-radius:8px;background:var(--mint-soft);color:var(--mint);display:grid;place-items:center;flex-shrink:0}
  @media(max-width:900px){.why-grid{grid-template-columns:1fr;gap:34px}}

  /* ---------- BANK COMPARE ---------- */
  .banks-sec{background:#fff;padding:70px 0}

  /* interactive bank selector */
  .bank-tabs{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-bottom:26px}
  .bank-tab{
    position:relative;
    display:flex;flex-direction:column;align-items:center;gap:11px;
    background:#fff;border:2px solid var(--lav);border-radius:20px;padding:22px 14px;
    cursor:pointer;font-family:inherit;transition:transform .18s ease,box-shadow .18s ease,border-color .18s ease;
  }
  .bank-tab:hover{transform:translateY(-4px);box-shadow:var(--shadow-sm)}
  .bank-tab .tlogo{width:54px;height:54px;border-radius:15px;display:grid;place-items:center;color:#fff;font-weight:900;font-size:18px;box-shadow:var(--shadow-sm);transition:transform .18s ease}
  .bank-tab:hover .tlogo{transform:scale(1.06)}
  .bank-tab .tname{font-weight:800;font-size:15px;color:var(--ink-soft)}
  .bank-tab.active{border-color:var(--coral);box-shadow:var(--shadow);transform:translateY(-4px)}
  .bank-tab.active .tname{color:var(--ink)}
  .tab-flag{position:absolute;top:-11px;left:50%;transform:translateX(-50%);background:linear-gradient(135deg,var(--yellow),#FFB020);color:#7A4E00;font-size:11px;font-weight:800;padding:4px 12px;border-radius:100px;white-space:nowrap;box-shadow:var(--shadow-sm)}
  @media(max-width:640px){
    .bank-tabs{grid-template-columns:1fr;gap:12px}
    .bank-tab{flex-direction:row;justify-content:center;padding:16px}
    .bank-tab .tname{font-size:14.5px}
    .tab-flag{top:50%;left:auto;right:14px;transform:translateY(-50%)}
  }

  .bank-panel{
    background:#fff;border:1.5px solid var(--lav);border-radius:26px;padding:34px;
    box-shadow:var(--shadow-sm);animation:panelIn .35s ease;
  }
  @keyframes panelIn{from{opacity:0;transform:translateY(14px)}to{opacity:1;transform:none}}
  .panel-head{display:flex;align-items:flex-start;gap:16px;flex-wrap:wrap;margin-bottom:8px}
  .panel-head .plogo{width:58px;height:58px;border-radius:16px;display:grid;place-items:center;color:#fff;font-weight:900;font-size:20px;flex-shrink:0;box-shadow:var(--shadow-sm)}
  .panel-head h3{font-size:24px}
  .panel-head .ptag{font-size:14px;color:var(--ink-soft);font-weight:600}
  .panel-head .star-badge{display:inline-flex;align-items:center;gap:6px;background:#FFF3D6;color:#C77E00;font-weight:800;font-size:12.5px;padding:6px 13px;border-radius:100px;margin-left:auto}
  .perk-grid{display:grid;grid-template-columns:1fr 1fr;gap:13px;margin:22px 0 24px}
  .perk{display:flex;gap:11px;align-items:flex-start;background:var(--bg);border-radius:14px;padding:14px}
  .perk.hot{background:#FFF7EE;border:1px solid #FFE2BE}
  .perk .pic{width:30px;height:30px;border-radius:9px;flex-shrink:0;display:grid;place-items:center}
  .perk .pt{font-weight:700;font-size:14.5px;line-height:1.4}
  .perk .ps{font-size:12.5px;color:var(--ink-soft)}
  .panel-foot{display:flex;align-items:center;gap:16px;flex-wrap:wrap;border-top:1px solid var(--lav);padding-top:22px}
  .panel-foot .add-btn{flex:1;min-width:200px}
  .panel-foot .foot-note{font-size:13px;color:var(--ink-soft);font-weight:600}
  @media(max-width:640px){
    .perk-grid{grid-template-columns:1fr}
    .bank-panel{padding:24px}
    .panel-head .star-badge{margin-left:0}
  }
  .multi-note{display:flex;gap:16px;align-items:flex-start;background:linear-gradient(135deg,#FFF7EE,#FFF0E0);border:1.5px solid #FFE2BE;border-radius:20px;padding:22px 24px;margin-top:22px}
  .multi-note .mn-ic{font-size:26px;flex-shrink:0;line-height:1.2}
  .multi-note b{font-size:16.5px;color:var(--ink)}
  .multi-note p{font-size:14.5px;color:var(--ink-soft);margin-top:5px}

  /* ---------- GIFTS ---------- */
  .gifts{position:relative;padding:76px 0;background:linear-gradient(150deg,#161F63,#2E40C4);overflow:hidden}
  .gifts .blob.g1{width:420px;height:420px;background:radial-gradient(circle,rgba(255,194,75,.4),transparent 70%);top:-140px;right:-90px;opacity:.8}
  .gifts .blob.g2{width:360px;height:360px;background:radial-gradient(circle,rgba(255,107,94,.45),transparent 70%);bottom:-140px;left:-90px;opacity:.8}
  .gifts .sec-head{position:relative;z-index:2}
  .gifts .sec-head h2,.gifts .sec-head p{color:#fff}
  .gifts .sec-head p{color:rgba(255,255,255,.85)}
  .gifts .eyebrow{background:rgba(255,255,255,.16);color:#fff}
  .gift-grid{position:relative;z-index:2;display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
  .gift-card{position:relative;background:rgba(255,255,255,.09);border:1px solid rgba(255,255,255,.18);border-radius:20px;padding:24px 22px;transition:transform .2s ease,background .2s ease;overflow:hidden}
  .gift-card:hover{transform:translateY(-6px);background:rgba(255,255,255,.15)}
  .gift-card .gic{width:52px;height:52px;border-radius:15px;display:grid;place-items:center;margin-bottom:15px;box-shadow:var(--shadow-sm)}
  .gift-card h4{color:#fff;font-size:17.5px;margin-bottom:7px;padding-right:60px}
  .gift-card p{color:rgba(255,255,255,.82);font-size:14px}
  .gift-card .free-pill{position:absolute;top:20px;right:18px;background:var(--mint);color:#062e25;font-size:11.5px;font-weight:800;padding:4px 11px;border-radius:100px}
  .gift-card.highlight{background:linear-gradient(150deg,rgba(255,194,75,.22),rgba(255,107,94,.18));border-color:rgba(255,194,75,.5)}
  .gift-card.highlight .free-pill{background:var(--yellow);color:#7a4e00}
  .gift-cta{position:relative;z-index:2;display:flex;align-items:center;justify-content:space-between;gap:22px;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.2);border-radius:22px;padding:24px 30px;margin-top:24px;flex-wrap:wrap}
  .gift-cta .gc-txt h3{color:#fff;font-size:20px;margin-bottom:4px}
  .gift-cta .gc-txt p{color:rgba(255,255,255,.82);font-size:14.5px}
  .gift-cta .btn{white-space:nowrap}
  @media(max-width:900px){.gift-grid{grid-template-columns:1fr 1fr}}
  @media(max-width:620px){.gift-grid{grid-template-columns:1fr}.gift-card h4{padding-right:56px}.gift-cta{justify-content:center;text-align:center}}

  /* ---------- STEPS ---------- */
  .steps{padding:70px 0}
  .step-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;position:relative}
  .step-card{background:#fff;border-radius:var(--r);padding:30px 26px;box-shadow:var(--shadow-sm);position:relative;z-index:2}
  .step-card .num{width:52px;height:52px;border-radius:15px;background:linear-gradient(135deg,var(--blue),var(--coral));color:#fff;font-weight:900;font-size:22px;display:grid;place-items:center;margin-bottom:18px}
  .step-card h4{font-size:19px;margin-bottom:8px}
  .step-card p{color:var(--ink-soft);font-size:15px}
  @media(max-width:820px){.step-grid{grid-template-columns:1fr;max-width:440px;margin:0 auto}}

  /* ---------- STATS ---------- */
  .stats{background:linear-gradient(135deg,var(--blue-deep),var(--blue));padding:56px 0;color:#fff;position:relative;overflow:hidden}
  .stats .blob.c{width:400px;height:400px;background:radial-gradient(circle,rgba(255,107,94,.4),transparent 70%);top:-140px;left:-80px;opacity:.7}
  .stat-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;position:relative;z-index:2;text-align:center}
  .stat .big{font-size:clamp(30px,4.4vw,46px);font-weight:900;color:var(--yellow)}
  .stat .lbl{font-size:15px;color:rgba(255,255,255,.85);font-weight:600}
  @media(max-width:640px){.stat-grid{grid-template-columns:repeat(2,1fr);gap:32px}}

  /* ---------- TESTIMONIAL ---------- */
  .testi{padding:70px 0}
  .testi-card{background:#fff;border-radius:28px;padding:40px;box-shadow:var(--shadow-sm);max-width:820px;margin:0 auto;text-align:center;position:relative}
  .testi-card .quote{font-size:clamp(18px,2.4vw,24px);font-weight:700;color:var(--ink);line-height:1.5;margin-bottom:22px}
  .testi-card .quote:before{content:"\201C";color:var(--coral);font-size:60px;line-height:0;vertical-align:-18px;margin-right:4px}
  .testi-who{display:flex;align-items:center;gap:13px;justify-content:center}
  .testi-who .av{width:50px;height:50px;border-radius:50%;background:linear-gradient(135deg,var(--yellow),var(--coral));display:grid;place-items:center;font-weight:900;color:#fff;font-size:19px}
  .testi-who .nm{font-weight:800;text-align:left}
  .testi-who .rl{font-size:13.5px;color:var(--ink-soft);text-align:left}

  /* ---------- FORM ---------- */
  .form-sec{padding:70px 0;background:#fff}
  .form-grid{display:grid;grid-template-columns:1fr 1.05fr;gap:50px;align-items:center}
  .form-copy .eyebrow{margin-bottom:16px}
  .form-copy h2{font-size:clamp(26px,3.4vw,40px);margin-bottom:16px}
  .form-copy p{color:var(--ink-soft);font-size:16.5px;margin-bottom:24px}
  .form-perk{display:flex;align-items:center;gap:12px;margin:14px 0;font-weight:600}
  .form-perk span{width:30px;height:30px;border-radius:9px;background:var(--coral-soft);color:var(--coral);display:grid;place-items:center;flex-shrink:0}
  .form-card{background:var(--bg);border-radius:28px;padding:34px;box-shadow:var(--shadow);border:1px solid var(--lav)}
  .form-card h3{font-size:22px;margin-bottom:6px}
  .form-card .fnote{font-size:14px;color:var(--ink-soft);margin-bottom:22px}
  .field{margin-bottom:15px}
  .field label{display:block;font-size:13.5px;font-weight:700;margin-bottom:7px}
  .field input,.field select{
    width:100%;padding:14px 16px;border-radius:13px;border:1.5px solid #E2E7F5;
    font-family:inherit;font-size:15px;background:#fff;color:var(--ink);transition:border .16s ease,box-shadow .16s ease;
  }
  .field input:focus,.field select:focus{outline:none;border-color:var(--blue);box-shadow:0 0 0 4px rgba(59,79,228,.12)}
  .bank-picker{display:grid;grid-template-columns:1fr;gap:9px}
  .bpick{display:flex;align-items:center;gap:9px;background:#fff;border:1.5px solid #E2E7F5;border-radius:12px;padding:12px 13px;font-size:14px;font-weight:600;cursor:pointer;transition:border .16s ease,background .16s ease}
  .bpick:hover{border-color:var(--blue)}
  .bpick input{width:18px;height:18px;accent-color:var(--coral);cursor:pointer;margin:0 4px 0 0}
  .bpick .bp-dot{width:10px;height:10px;border-radius:50%;flex-shrink:0;margin-right:8px}
  .bpick:has(input:checked){border-color:var(--coral);background:var(--coral-soft)}
  .pick-hint{font-size:12.5px;color:var(--ink-soft);margin-top:9px;line-height:1.5}
  .consent{display:flex;gap:11px;align-items:flex-start;background:#fff;border:1.5px solid #E2E7F5;border-radius:13px;padding:14px;margin:6px 0 18px}
  .consent input{width:20px;height:20px;margin-top:2px;flex-shrink:0;accent-color:var(--coral);cursor:pointer}
  .consent label{font-size:12.5px;color:var(--ink-soft);line-height:1.55;cursor:pointer}
  .consent a{color:var(--blue);font-weight:700;text-decoration:underline}
  .form-card .btn{width:100%;font-size:17px}
  .secure-note{display:flex;align-items:center;justify-content:center;gap:7px;font-size:12.5px;color:var(--ink-soft);margin-top:14px}
  .form-success{display:none;text-align:center;padding:20px 0}
  .form-success .big{width:70px;height:70px;border-radius:50%;background:var(--mint-soft);color:var(--mint);display:grid;place-items:center;margin:0 auto 18px}
  .form-success h3{font-size:23px;margin-bottom:8px}
  .form-success p{color:var(--ink-soft)}
  @media(max-width:900px){.form-grid{grid-template-columns:1fr;gap:34px}}

  /* ---------- FAQ ---------- */
  .faq{padding:70px 0}
  .faq-list{max-width:760px;margin:0 auto;display:flex;flex-direction:column;gap:14px}
  .faq-item{background:#fff;border-radius:16px;box-shadow:var(--shadow-sm);overflow:hidden;border:1px solid transparent;transition:border .2s}
  .faq-item.open{border-color:var(--lav)}
  .faq-q{width:100%;text-align:left;background:none;border:none;padding:20px 24px;font-family:inherit;font-weight:700;font-size:16.5px;color:var(--ink);cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:16px}
  .faq-q .plus{width:28px;height:28px;border-radius:8px;background:var(--lav);color:var(--blue);display:grid;place-items:center;flex-shrink:0;font-size:20px;font-weight:600;transition:transform .25s ease,background .2s}
  .faq-item.open .plus{transform:rotate(45deg);background:var(--coral);color:#fff}
  .faq-a{max-height:0;overflow:hidden;transition:max-height .3s ease}
  .faq-a p{padding:0 24px 20px;color:var(--ink-soft);font-size:15px}

  /* ---------- FINAL CTA ---------- */
  .final{padding:20px 0 90px}
  .final-card{background:linear-gradient(135deg,var(--coral),#FF9776);border-radius:32px;padding:56px 40px;text-align:center;color:#fff;box-shadow:var(--shadow);position:relative;overflow:hidden}
  .final-card .glow{position:absolute;width:300px;height:300px;border-radius:50%;background:radial-gradient(circle,rgba(255,255,255,.25),transparent 70%);top:-100px;left:50%;transform:translateX(-50%)}
  .final-card h2{font-size:clamp(26px,3.6vw,42px);margin-bottom:14px;position:relative;z-index:2}
  .final-card p{font-size:17px;opacity:.95;max-width:520px;margin:0 auto 28px;position:relative;z-index:2}
  .final-card .btn{position:relative;z-index:2}

  /* ---------- FOOTER ---------- */
  footer{background:var(--ink);color:rgba(255,255,255,.72);padding:50px 0 30px;font-size:14.5px}
  .foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:36px;margin-bottom:34px}
  footer .logo{color:#fff;margin-bottom:14px}
  footer h5{color:#fff;font-size:15px;margin-bottom:14px;font-weight:700}
  footer a{display:block;margin-bottom:9px;color:rgba(255,255,255,.72)}
  footer a:hover{color:#fff}
  .foot-contact div{margin-bottom:10px;display:flex;gap:9px;align-items:flex-start}
  .foot-bottom{border-top:1px solid rgba(255,255,255,.12);padding-top:22px;font-size:13px;color:rgba(255,255,255,.5);display:flex;justify-content:space-between;flex-wrap:wrap;gap:12px}
  @media(max-width:760px){.foot-grid{grid-template-columns:1fr;gap:26px}}

  /* sticky mobile cta */
  .mobile-cta{display:none;position:fixed;bottom:0;left:0;right:0;z-index:60;background:#fff;padding:12px 16px;box-shadow:0 -8px 24px -12px rgba(20,27,77,.3)}
  .mobile-cta .btn{width:100%}
  @media(max-width:860px){.mobile-cta{display:block}body{padding-bottom:78px}}

  /* reveal animation */
  .reveal{opacity:0;transform:translateY(24px);transition:opacity .6s ease,transform .6s ease}
  .reveal.in{opacity:1;transform:none}
  @media(prefers-reduced-motion:reduce){
    *{animation:none!important}
    .reveal{opacity:1;transform:none;transition:none}
    html{scroll-behavior:auto}
  }