/* ═══════════════════════════════════════════
   DESIGN TOKENS
═══════════════════════════════════════════ */
:root {
  --gold:       #f6b92f;
  --gold-2:     #ffd66b;
  --gold-glow:  rgba(246,185,47,.28);
  --ink:        #070707;
  --coal:       #111214;
  --surface:    #0e0e0e;
  --surface-2:  #171717;
  --muted:      #b0b0b0;
  --muted-2:    #5e5e5e;
  --paper:      #f5f1e9;
  --line:       rgba(255,255,255,.09);
  --line-2:     rgba(255,255,255,.05);
  --wrap:       1180px;
  --ease:       cubic-bezier(.22,1,.36,1);
  --ease-bounce:cubic-bezier(.34,1.56,.64,1);
}

/* ═══════════════════════════════════════════
   RESET
═══════════════════════════════════════════ */
*,*::before,*::after { box-sizing:border-box; margin:0; padding:0; }
html { scroll-behavior:smooth; }

body {
  font-family: Inter, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  color: #fff;
  background: var(--ink);
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

a { color:inherit; text-decoration:none; }
img { display:block; max-width:100%; }

/* ═══════════════════════════════════════════
   REVEAL SYSTEM  — modern multi-variant
═══════════════════════════════════════════ */

/* base: fade + rise */
.reveal,
.anim-hero {
  opacity: 0;
  transform: translateY(40px);
  filter: blur(4px);
  transition:
    opacity .8s var(--ease),
    transform .8s var(--ease),
    filter .8s var(--ease);
  will-change: opacity, transform, filter;
}

/* stagger via data-delay */
[data-delay="1"] { transition-delay: .10s; }
[data-delay="2"] { transition-delay: .20s; }
[data-delay="3"] { transition-delay: .30s; }
[data-delay="4"] { transition-delay: .40s; }
[data-delay="5"] { transition-delay: .50s; }

/* visible state */
.reveal.is-visible,
.anim-hero.is-visible {
  opacity: 1;
  transform: translateY(0);
  filter: blur(0);
}

/* ── directional variants ── */
.reveal--left  {
  transform: translateX(-60px);
  filter: blur(6px);
}
.reveal--right {
  transform: translateX(60px);
  filter: blur(6px);
}
.reveal--scale {
  transform: scale(.88);
  filter: blur(8px);
}
/* heading clip-path reveal */
.reveal--clip {
  clip-path: inset(0 0 100% 0);
  opacity: 1;
  transform: none;
  filter: none;
  transition: clip-path .9s var(--ease);
}

.reveal--left.is-visible,
.reveal--right.is-visible {
  transform: translateX(0);
  filter: blur(0);
  opacity: 1;
}
.reveal--scale.is-visible {
  transform: scale(1);
  filter: blur(0);
  opacity: 1;
}
.reveal--clip.is-visible {
  clip-path: inset(0 0 0% 0);
}

/* parallax applied by JS */
.parallax { will-change: transform; }

/* ═══════════════════════════════════════════
   HEADER  — centered logo, no nav
═══════════════════════════════════════════ */
.hero {
  min-height: 100vh;
  min-height: 100dvh;
  position: relative;
  isolation: isolate;
  display: flex;
  flex-direction: column;
  overflow: hidden;
  background-image:
    linear-gradient(90deg,rgba(0,0,0,.97) 0%,rgba(0,0,0,.88) 38%,rgba(0,0,0,.46) 68%,rgba(0,0,0,.22) 100%),
    linear-gradient(0deg,rgba(0,0,0,.94),rgba(0,0,0,0) 42%),
    url("assets/hero-luxury-finance.jpg");
  background-size: cover;
  background-position: center right;
}

/* scanline overlay */
.hero::before {
  content:'';
  position:absolute; inset:0;
  background: repeating-linear-gradient(0deg,transparent,transparent 3px,rgba(255,255,255,.01) 3px,rgba(255,255,255,.01) 4px);
  pointer-events:none; z-index:1;
}

/* grain texture */
.hero::after {
  content:'';
  position:absolute; inset:0;
  background-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 200 200' xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='g'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='.9' numOctaves='3' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23g)' opacity='.04'/%3E%3C/svg%3E");
  background-repeat: repeat;
  pointer-events:none; z-index:1;
  opacity:.5;
}

.header-bar {
  width: min(var(--wrap), calc(100% - 40px));
  margin: 0 auto;
  padding: 28px 0;
  display: flex;
  justify-content: center;
  position: relative;
  z-index: 10;
}

.brand {
  display: inline-flex;
  align-items: center;
  transition: opacity .25s;
}
.brand:hover { opacity:.85; }



.brand img {
  width: 200px;
  max-width: 52vw;
  height: auto;
}

/* ─── hero content ─── */
.hero-content {
  width: min(var(--wrap), calc(100% - 40px));
  margin: auto auto;
  padding: 40px 0 80px;
  position: relative;
  z-index: 2;
}

.eyebrow {
  margin-bottom: 16px;
  color: var(--gold-2);
  font-weight: 900;
  text-transform: uppercase;
  font-size: 12px;
  letter-spacing: .14em;
}
.eyebrow.dark { color:#9a6a00; }

h1 {
  max-width: 700px;
  margin-bottom: 24px;
  font-size: clamp(38px, 5vw, 70px);
  line-height: .94;
  letter-spacing: -.02em;
  text-transform: uppercase;
  font-weight: 900;
}

.hero-copy {
  max-width: 560px;
  color: rgba(255,255,255,.76);
  font-size: clamp(16px, 1.5vw, 20px);
  line-height: 1.65;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  margin-top: 36px;
}

/* ─── scroll hint line ─── */
.hero-scroll-hint {
  position: absolute;
  bottom: 28px;
  left: 50%;
  transform: translateX(-50%);
  z-index: 3;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 8px;
}

.scroll-line {
  width: 1px;
  height: 44px;
  background: linear-gradient(to bottom, var(--gold), transparent);
  animation: scrollPulse 2s ease-in-out infinite;
  border-radius: 1px;
}

@keyframes scrollPulse {
  0%,100% { opacity:.3; height:44px; }
  50%     { opacity:1;   height:56px; }
}

/* ═══════════════════════════════════════════
   BUTTONS
═══════════════════════════════════════════ */
.button {
  min-height: 54px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 12px;
  border-radius: 10px;
  padding: 0 26px;
  font-weight: 900;
  font-size: 15px;
  line-height: 1.1;
  border: none;
  cursor: pointer;
  transition:
    transform .24s var(--ease-bounce),
    box-shadow .24s ease,
    background .2s ease;
}
.button:hover { transform:translateY(-3px); }
.button:active { transform:translateY(0) scale(.97); transition-duration:.1s; }

.primary {
  color: #090704;
  background: linear-gradient(135deg, var(--gold), var(--gold-2));
  box-shadow:
    0 12px 38px rgba(246,185,47,.26),
    0 0 0 0 rgba(246,185,47,0);
}
.primary:hover {
  box-shadow:
    0 20px 52px rgba(246,185,47,.4),
    0 0 0 4px rgba(246,185,47,.12);
}

.secondary {
  color: #fff;
  border: 1px solid rgba(255,255,255,.16);
  background: rgba(255,255,255,.05);
  backdrop-filter: blur(6px);
}
.secondary:hover {
  background: rgba(255,255,255,.1);
  border-color: rgba(255,255,255,.28);
}

.button-icon {
  width: 26px; height:26px;
  display: grid;
  place-items: center;
  border-radius: 6px;
  background: rgba(0,0,0,.14);
  font-size: 15px; line-height:1;
}

/* ─── trust row ─── */
.trust-row {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-top: 34px;
}

.trust-row span {
  border: 1px solid rgba(255,255,255,.12);
  background: rgba(255,255,255,.04);
  border-radius: 999px;
  padding: 8px 18px;
  color: rgba(255,255,255,.78);
  font-size: 13px;
  font-weight: 600;
  white-space: nowrap;
  backdrop-filter: blur(8px);
  transition: border-color .25s, background .25s, transform .25s var(--ease);
}
.trust-row span:hover {
  border-color: rgba(246,185,47,.35);
  background: rgba(246,185,47,.06);
  transform: translateY(-2px);
}

/* ═══════════════════════════════════════════
   SECTION UTILITY
═══════════════════════════════════════════ */
.section {
  width: min(var(--wrap), calc(100% - 40px));
  margin: 0 auto;
  padding: 100px 0;
}

.section.intro {
  width: 100%;
  padding: 100px max(20px, calc((100vw - var(--wrap)) / 2));
}

/* ═══════════════════════════════════════════
   INTRO
═══════════════════════════════════════════ */
.intro {
  display: grid;
  grid-template-columns: .88fr 1.12fr;
  gap: 56px;
  color: var(--coal);
  background: var(--paper);
  position: relative;
}

/* decorative gold accent bar */
.intro::before {
  content:'';
  position:absolute;
  left:0; top:0;
  width:4px; height:100%;
  background: linear-gradient(to bottom, var(--gold), transparent);
}

.intro h2,
.section-heading h2,
.split h2,
.cta-section h2 {
  font-size: clamp(30px, 3.8vw, 54px);
  line-height: 1.04;
  letter-spacing: -.015em;
  margin-bottom: 0;
}

.intro p:last-child {
  color: #55504a;
  line-height: 1.85;
  font-size: 17px;
  align-self: center;
}

/* ═══════════════════════════════════════════
   STATS
═══════════════════════════════════════════ */
.stats {
  width: min(var(--wrap), calc(100% - 40px));
  margin: -42px auto 0;
  position: relative;
  z-index: 2;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  background: var(--surface-2);
  border: 1px solid var(--line);
  border-radius: 14px;
  overflow: hidden;
  box-shadow: 0 28px 80px rgba(0,0,0,.55);
}

.stats > div {
  padding: 30px 28px;
  border-right: 1px solid var(--line);
  transition: background .3s, transform .3s var(--ease);
  cursor: default;
  position: relative;
}

/* hover glow */
.stats > div::after {
  content:'';
  position:absolute; inset:0;
  background: radial-gradient(circle at 50% 80%, rgba(246,185,47,.1), transparent 70%);
  opacity:0; transition: opacity .3s;
  pointer-events:none;
}
.stats > div:hover::after { opacity:1; }
.stats > div:hover { background: #1e1e1e; }
.stats > div:last-child { border-right:0; }

.stats strong {
  display:block;
  font-size: clamp(30px, 3vw, 42px);
  color: var(--gold);
  line-height:1;
  letter-spacing:-.02em;
}

.stats span {
  display:block;
  margin-top:8px;
  color: var(--muted);
  font-weight:600;
  font-size:12px;
  text-transform:uppercase;
  letter-spacing:.08em;
}

/* counter animation – numbers pulse in */
.stats .reveal.is-visible strong {
  animation: counterPop .5s var(--ease-bounce) both;
}
@keyframes counterPop {
  from { transform:scale(.6); opacity:0; }
  to   { transform:scale(1);  opacity:1; }
}

/* ═══════════════════════════════════════════
   BENEFITS
═══════════════════════════════════════════ */
.section-heading {
  max-width: 760px;
  margin-bottom: 38px;
}

.benefit-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
}

.benefit-card {
  min-height: 310px;
  border: 1px solid var(--line);
  border-radius: 14px;
  padding: 28px;
  background:
    linear-gradient(145deg, rgba(255,255,255,.06), rgba(255,255,255,.015)),
    var(--surface);
  display: flex;
  flex-direction: column;
  transition:
    transform .32s var(--ease),
    border-color .32s,
    box-shadow .32s;
  cursor: default;
  position: relative;
  overflow: hidden;
}

/* shimmer on hover */
.benefit-card::before {
  content:'';
  position:absolute;
  top:-50%; left:-50%;
  width:200%; height:200%;
  background: conic-gradient(from 180deg, transparent, rgba(246,185,47,.06), transparent 60%);
  opacity:0;
  transition: opacity .4s;
  pointer-events:none;
}
.benefit-card:hover::before { opacity:1; }

.benefit-card:hover {
  transform: translateY(-8px);
  border-color: rgba(255,255,255,.22);
  box-shadow: 0 28px 72px rgba(0,0,0,.45);
}

.benefit-card.featured {
  background:
    linear-gradient(145deg, rgba(246,185,47,.16), rgba(255,255,255,.02)),
    #12100a;
  border-color: rgba(246,185,47,.2);
}
.benefit-card.featured:hover {
  border-color: rgba(246,185,47,.5);
  box-shadow: 0 28px 72px rgba(246,185,47,.1);
}

.card-number {
  color: var(--gold);
  font-weight: 900;
  font-size: 13px;
  letter-spacing: .12em;
  margin-bottom: auto;
}

.benefit-card h3 {
  font-size: 23px;
  line-height: 1.1;
  margin: 36px 0 10px;
  letter-spacing: -.01em;
}

.benefit-card p {
  color: rgba(255,255,255,.65);
  line-height: 1.72;
  font-size: 15px;
}

.card-link {
  margin-top: 18px;
  display: inline-flex;
  align-items: center;
  gap: 6px;
  color: var(--gold);
  font-weight: 700;
  font-size: 14px;
  transition: gap .22s var(--ease);
}
.card-link:hover { gap:12px; }

/* ═══════════════════════════════════════════
   SPLIT / STEPS
═══════════════════════════════════════════ */
.split {
  display: grid;
  grid-template-columns: .92fr 1.08fr;
  gap: 56px;
  align-items: center;
}

/* ═══════════════════════════════════════════
   VISUAL PANEL — Live Withdrawal Logs preview
.visual-panel {
  border-radius: 16px;
  border: 1px solid var(--line);
  background: #0f1012;
  position: relative;
  overflow: hidden;
  transition: border-color .4s, box-shadow .4s, transform .4s var(--ease);
  display: block;
  padding-top: 52px; /* to leave space for status bar */
  box-shadow: 0 20px 40px rgba(0, 0, 0, 0.5);
}

.visual-panel:hover {
  border-color: rgba(246,185,47,.35);
  box-shadow: 0 0 50px rgba(246,185,47,.1);
  transform: translateY(-4px);
}

/* top status bar */
.vp-topbar {
  position: absolute;
  top: 0; left: 0; right: 0;
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 14px 20px;
  border-bottom: 1px solid var(--line-2);
  background: rgba(14, 14, 14, 0.85);
  backdrop-filter: blur(10px);
  font-size: 11px;
  font-weight: 700;
  letter-spacing: .1em;
  z-index: 2;
}

.status-dot {
  width: 8px; height: 8px;
  flex-shrink: 0;
  border-radius: 50%;
  background: #26f28a;
  box-shadow: 0 0 10px #26f28a;
  animation: pulseDot 2s ease-in-out infinite;
}
@keyframes pulseDot {
  0%,100% { box-shadow: 0 0 8px #26f28a; }
  50%     { box-shadow: 0 0 20px #26f28a, 0 0 30px rgba(38,242,138,.4); }
}

.vp-sys-label { color: #26f28a; }
.vp-dot-sep   { color: var(--muted-2); }
.vp-strategy  { color: var(--muted); margin-left: auto; }

/* image container */
.vp-image-container {
  width: 100%;
  position: relative;
  overflow: hidden;
}

.vp-preview-img {
  width: 100%;
  height: auto;
  display: block;
  transition: transform 0.6s var(--ease);
}

.visual-panel:hover .vp-preview-img {
  transform: scale(1.05);
}

/* image overlay hover effect */
.vp-image-overlay {
  position: absolute;
  inset: 0;
  background: rgba(7, 7, 7, 0.4);
  opacity: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: opacity 0.3s ease;
}

.visual-panel:hover .vp-image-overlay {
  opacity: 1;
}

.vp-zoom-hint {
  background: rgba(0, 0, 0, 0.75);
  color: #fff;
  padding: 10px 18px;
  border-radius: 30px;
  font-size: 13px;
  font-weight: 700;
  border: 1px solid rgba(255, 255, 255, 0.15);
  display: flex;
  align-items: center;
  backdrop-filter: blur(5px);
  transform: translateY(10px);
  transition: transform 0.3s var(--ease);
}

.visual-panel:hover .vp-zoom-hint {
  transform: translateY(0);
}

/* ═══════════════════════════════════════════
   LIGHTBOX / MODAL SYSTEM
   ═══════════════════════════════════════════ */
.lightbox {
  position: fixed;
  inset: 0;
  background: rgba(7, 7, 7, 0.95);
  backdrop-filter: blur(12px);
  z-index: 9999;
  display: flex;
  align-items: center;
  justify-content: center;
  opacity: 0;
  pointer-events: none;
  transition: opacity 0.4s var(--ease);
  padding: 40px;
}

.lightbox.is-active {
  opacity: 1;
  pointer-events: auto;
}

.lightbox-close {
  position: absolute;
  top: 24px;
  right: 24px;
  background: none;
  border: none;
  color: rgba(255, 255, 255, 0.6);
  font-size: 44px;
  cursor: pointer;
  line-height: 1;
  transition: color 0.2s, transform 0.2s;
  width: 48px;
  height: 48px;
  display: flex;
  align-items: center;
  justify-content: center;
}

.lightbox-close:hover {
  color: #fff;
  transform: scale(1.1);
}

.lightbox-content {
  max-width: 90%;
  max-height: 85vh;
  box-shadow: 0 30px 90px rgba(0, 0, 0, 0.8);
  border-radius: 12px;
  overflow: hidden;
  border: 1px solid rgba(255, 255, 255, 0.1);
  transform: scale(0.95);
  transition: transform 0.4s var(--ease);
}

.lightbox.is-active .lightbox-content {
  transform: scale(1);
}

.lightbox-img {
  display: block;
  width: 100%;
  height: auto;
  max-height: 85vh;
  object-fit: contain;
}

@media (max-width: 768px) {
  .lightbox {
    padding: 16px;
  }
  .lightbox-close {
    top: 12px;
    right: 12px;
    font-size: 36px;
  }
}

/* ─── steps list ─── */
.steps-list { display:grid; gap:16px; margin-top:30px; }

.step-item {
  display:grid;
  grid-template-columns:50px 1fr;
  gap:16px;
  align-items:start;
  padding:18px 20px;
  border-radius:12px;
  border:1px solid var(--line-2);
  background:rgba(255,255,255,.02);
  transition:
    border-color .28s,
    background .28s,
    transform .32s var(--ease),
    box-shadow .28s;
}
.step-item:hover {
  border-color: rgba(246,185,47,.2);
  background: rgba(246,185,47,.04);
  transform: translateX(8px);
  box-shadow: -4px 0 24px rgba(246,185,47,.06);
}

.step-num {
  width:46px; height:46px;
  display:grid;
  place-items:center;
  border-radius:12px;
  color:#0b0905;
  background: linear-gradient(135deg, var(--gold), var(--gold-2));
  font-weight:900;
  font-size:17px;
  box-shadow: 0 8px 20px rgba(246,185,47,.22);
  transition: transform .3s var(--ease-bounce);
}
.step-item:hover .step-num { transform:scale(1.1) rotate(-4deg); }

.step-text strong {
  display:block;
  font-size:15px;
  margin-bottom:4px;
}
.step-text p {
  color:rgba(255,255,255,.65);
  line-height:1.65;
  font-size:14px;
}

/* ═══════════════════════════════════════════
   CTA SECTION
═══════════════════════════════════════════ */
.cta-section {
  width: min(var(--wrap), calc(100% - 40px));
  margin: 0 auto 100px;
  padding: 76px 62px;
  text-align: center;
  border-radius: 18px;
  background:
    linear-gradient(135deg, rgba(246,185,47,.14) 0%, rgba(255,255,255,.02) 60%),
    #0f0f0f;
  border: 1px solid rgba(246,185,47,.16);
  position: relative;
  overflow: hidden;
}

.cta-glow {
  position:absolute;
  top:-100px; left:50%;
  transform:translateX(-50%);
  width:520px; height:260px;
  background:radial-gradient(ellipse, rgba(246,185,47,.2), transparent 72%);
  pointer-events:none;
  animation: ctaPulse 4s ease-in-out infinite;
}
@keyframes ctaPulse {
  0%,100% { opacity:.6; transform:translateX(-50%) scale(1); }
  50%     { opacity:1;  transform:translateX(-50%) scale(1.1); }
}

.cta-section .eyebrow { color:var(--gold-2); }

.cta-section h2 {
  margin-top:8px;
  font-size: clamp(28px, 4vw, 50px);
}

.cta-section > p:not(.eyebrow) {
  max-width:540px;
  margin:16px auto 34px;
  color:rgba(255,255,255,.68);
  line-height:1.78;
  font-size:16px;
  position:relative;
}

/* ═══════════════════════════════════════════
   FOOTER  — single row, inline links + CTA
═══════════════════════════════════════════ */
.footer {
  background: var(--surface);
  border-top: 1px solid transparent;
  background-image:
    linear-gradient(var(--surface), var(--surface)),
    linear-gradient(90deg, rgba(255,255,255,0), rgba(246,185,47,.28) 50%, rgba(255,255,255,0));
  background-origin: border-box;
  background-clip: padding-box, border-box;
}

.footer-why {
  width: min(var(--wrap), calc(100% - 40px));
  margin: 0 auto;
  padding: 60px 0 48px;
  border-bottom: 1px solid var(--line-2);
  text-align: center;
}

.footer-why h3 {
  font-size: clamp(22px, 3vw, 32px);
  font-weight: 800;
  letter-spacing: -.02em;
  background: linear-gradient(135deg, var(--gold), var(--gold-2));
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
  margin-bottom: 20px;
}

.footer-why p {
  color: var(--muted);
  font-size: 16px;
  line-height: 1.75;
  max-width: 620px;
  margin: 0 auto 12px;
}

.footer-why-cta {
  margin-top: 32px;
  font-size: 15px;
  padding: 0 28px;
  min-height: 52px;
  border-radius: 12px;
}

.footer-row {
  width: min(var(--wrap), calc(100% - 40px));
  margin: 0 auto;
  padding: 36px 0;
  display: flex;
  align-items: center;
  gap: 32px;
}

.footer-brand {
  flex-shrink: 0;
  transition: opacity .25s;
}
.footer-brand:hover { opacity:.8; }

.footer-logo {
  width: 142px;
  height: auto;
  opacity: .88;
}

.footer-links {
  display: flex;
  align-items: center;
  gap: 28px;
  margin-left: auto;
}

.footer-links a {
  color: var(--muted);
  font-size: 14px;
  font-weight: 600;
  position: relative;
  transition: color .22s;
  padding: 4px 0;
}
.footer-links a::after {
  content:'';
  position:absolute;
  left:0; bottom:0;
  width:0; height:1.5px;
  background:var(--gold);
  border-radius:1px;
  transition: width .28s var(--ease);
}
.footer-links a:hover { color:#fff; }
.footer-links a:hover::after { width:100%; }

.footer-cta {
  flex-shrink: 0;
  min-height: 48px;
  font-size: 14px;
  padding: 0 22px;
  border-radius: 10px;
}

.footer-bottom {
  width: min(var(--wrap), calc(100% - 40px));
  margin: 0 auto;
  padding: 18px 0 24px;
  border-top: 1px solid var(--line-2);
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 12px;
  color: var(--muted-2);
  font-size: 12px;
}

.footer-legal { font-style:italic; }
.footer-bottom--centered { justify-content: center; }

/* ═══════════════════════════════════════════
   BACK TO TOP BUTTON
═══════════════════════════════════════════ */
.back-to-top {
  position:fixed;
  bottom:32px; right:32px;
  z-index:999;
  width:50px; height:50px;
  border-radius:14px;
  border:1px solid rgba(246,185,47,.3);
  background: linear-gradient(135deg, var(--gold), var(--gold-2));
  color:#0b0905;
  cursor:pointer;
  display:grid;
  place-items:center;
  box-shadow:
    0 10px 30px rgba(246,185,47,.3),
    0 2px 8px rgba(0,0,0,.5);
  opacity:0;
  transform:translateY(18px) scale(.88);
  pointer-events:none;
  transition:
    opacity .32s var(--ease),
    transform .32s var(--ease-bounce),
    box-shadow .25s;
}

.back-to-top.is-visible {
  opacity:1;
  transform:translateY(0) scale(1);
  pointer-events:auto;
}

.back-to-top:hover {
  box-shadow: 0 16px 44px rgba(246,185,47,.5), 0 2px 8px rgba(0,0,0,.5);
  transform: translateY(-4px) scale(1.08);
}
.back-to-top:active { transform:translateY(0) scale(.95); }

/* ═══════════════════════════════════════════
   RESPONSIVE — 1100px
═══════════════════════════════════════════ */
@media (max-width:1100px) {
  .hero { background-position:60% center; }
  h1 { max-width:620px; font-size:clamp(36px, 5.8vw, 56px); }
  .benefit-grid { grid-template-columns:repeat(2,1fr); }
}

/* ═══════════════════════════════════════════
   RESPONSIVE — 900px
═══════════════════════════════════════════ */
@media (max-width:900px) {
  .hero {
    min-height:auto;
    background-image:
      linear-gradient(90deg,rgba(0,0,0,.97),rgba(0,0,0,.8)),
      linear-gradient(0deg,rgba(0,0,0,.95),rgba(0,0,0,0) 48%),
      url("assets/hero-luxury-finance.jpg");
    background-position:62% center;
  }

  .hero-content { padding:60px 0 90px; }

  .intro, .split {
    grid-template-columns:1fr;
    gap:32px;
  }

  .stats { grid-template-columns:repeat(2,1fr); }
  .stats > div:nth-child(2) { border-right:0; }
  .stats > div:nth-child(-n+2) { border-bottom:1px solid var(--line); }

  /* footer stacks into 2 rows */
  .footer-row {
    flex-wrap: wrap;
    gap: 20px;
  }
  .footer-links { margin-left:0; order:3; width:100%; }
  .footer-cta   { margin-left:auto; }
}

/* ═══════════════════════════════════════════
   RESPONSIVE — 620px
═══════════════════════════════════════════ */
@media (max-width:620px) {
  .header-bar,
  .hero-content,
  .section,
  .stats,
  .cta-section,
  .footer-row,
  .footer-bottom {
    width:min(100% - 32px, var(--wrap));
  }

  .brand img { width:172px; }
  .hero { background-position:61% center; }
  .hero-content { padding:48px 0 80px; }

  h1 {
    max-width:100%;
    font-size:clamp(30px, 9.2vw, 40px);
    line-height:1;
  }

  .hero-copy { font-size:15px; }

  .button { width:100%; padding-inline:16px; }

  .trust-row span { white-space:normal; font-size:12px; padding:7px 14px; }

  .section { padding:76px 0; }
  .section.intro { padding:76px 16px; }

  .intro h2,
  .section-heading h2,
  .split h2,
  .cta-section h2 {
    font-size:clamp(26px, 7.5vw, 38px);
  }

  .intro p:last-child { font-size:15px; }

  .stats,
  .benefit-grid { grid-template-columns:1fr; }

  .stats > div { border-right:0; border-bottom:1px solid var(--line); }
  .stats > div:last-child { border-bottom:0; }

  .benefit-card { min-height:240px; }

  .visual-panel { min-height: auto; }
  .terminal-card { padding:22px; }

  .cta-section {
    padding:48px 20px;
    margin-bottom:72px;
  }

  /* footer full-stack */
  .footer-row {
    flex-direction:column;
    align-items:center;
    text-align:center;
    gap:20px;
  }
  .footer-links {
    flex-wrap:wrap;
    justify-content:center;
    gap:18px;
    order:2;
  }
  .footer-cta {
    width:100%;
    order:3;
    margin-left:0;
  }

  .footer-bottom {
    flex-direction:column;
    align-items:center;
    text-align:center;
    gap:6px;
  }

  .back-to-top {
    bottom:20px; right:20px;
    width:46px; height:46px;
  }

  .hero-scroll-hint { bottom:18px; }
}

/* ═══════════════════════════════════════════
   RESPONSIVE — 380px
═══════════════════════════════════════════ */
@media (max-width:380px) {
  h1 { font-size:30px; }

  .header-bar,
  .hero-content,
  .section,
  .stats,
  .cta-section,
  .footer-row,
  .footer-bottom {
    width:min(100% - 24px, var(--wrap));
  }

  .brand img { width:152px; }
}