:root{
    --ink:#1B1215;
    --ink-2:#2A1D22;
    --bg:#FAF7F8;
    --surface:#FFFFFF;
    --gold:#B4142E;
    --gold-deep:#8E1023;
    --gold-soft:#F7E6EA;
    --text:#221A1D;
    --muted:#6E5F63;
    --line:#ECE1E4;
    --line-strong:#D9CBD0;
    --shadow:0 1px 2px rgba(27,18,21,.04), 0 8px 30px rgba(27,18,21,.06);
    --shadow-lg:0 2px 6px rgba(27,18,21,.06), 0 24px 60px rgba(27,18,21,.12);
    --r:14px;
    --maxw:1160px;
    --display:"Bricolage Grotesque", sans-serif;
    --body:"Figtree", sans-serif;
    --mono:"Space Mono", monospace;
  }

  *{box-sizing:border-box;margin:0;padding:0}
  html{scroll-behavior:smooth}
  body{
    font-family:var(--body);
    color:var(--text);
    background:var(--bg);
    line-height:1.55;
    -webkit-font-smoothing:antialiased;
    text-rendering:optimizeLegibility;
  }
  a{color:inherit;text-decoration:none}
  img,svg{display:block;max-width:100%}
  ::selection{background:var(--gold-soft);color:var(--ink)}

  .wrap{max-width:var(--maxw);margin:0 auto;padding:0 24px}

  /* ---------- nav ---------- */
  header.site{
    position:sticky;top:0;z-index:50;
    background:rgba(250,247,248,.86);
    backdrop-filter:saturate(1.4) blur(10px);
    border-bottom:1px solid var(--line);
  }
  .nav{display:flex;align-items:center;gap:28px;height:68px}
  .brand{display:flex;align-items:center;gap:10px;font-family:var(--display);font-weight:700;font-size:1.28rem;letter-spacing:-.01em;color:var(--ink)}
  .brand .mark{width:26px;height:26px;flex:0 0 auto}
  .brand b{color:var(--gold-deep);font-weight:700}
  .nav-links{display:flex;gap:26px;margin-left:8px}
  .nav-links a{font-size:.95rem;font-weight:500;color:var(--muted);padding:6px 0;border-bottom:2px solid transparent;transition:color .15s,border-color .15s}
  .nav-links a:hover{color:var(--ink);border-color:var(--gold)}
  .nav-cta{display:flex;gap:12px;margin-left:auto;align-items:center}

  .btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font-family:var(--body);font-weight:600;font-size:.95rem;border-radius:10px;padding:10px 18px;cursor:pointer;border:1px solid transparent;transition:transform .12s,background .15s,color .15s,border-color .15s}
  .btn:active{transform:translateY(1px)}
  .btn-primary{background:var(--ink);color:#fff}
  .btn-primary:hover{background:var(--ink-2)}
  .btn-ghost{background:transparent;color:var(--ink);border-color:var(--line-strong)}
  .btn-ghost:hover{border-color:var(--ink)}
  .btn-gold{background:var(--gold);color:var(--ink);font-weight:700}
  .btn-gold:hover{background:var(--gold-deep);color:#fff}
  .btn-lg{padding:14px 26px;font-size:1.02rem;border-radius:12px}

  /* ---------- hero ---------- */
  .hero{position:relative;overflow:hidden;padding:56px 0 64px}
  .hero-arc{position:absolute;inset:0;width:100%;height:100%;pointer-events:none;z-index:0}
  .hero-grid{position:relative;z-index:1;display:grid;grid-template-columns:1.02fr .98fr;gap:56px;align-items:center}

  .eyebrow{display:inline-flex;align-items:center;gap:8px;font-size:.82rem;font-weight:600;letter-spacing:.02em;color:var(--gold-deep);background:var(--gold-soft);padding:6px 12px;border-radius:100px;margin-bottom:22px}
  .eyebrow .dot{width:7px;height:7px;border-radius:50%;background:var(--gold-deep)}

  h1{font-family:var(--display);font-weight:700;font-size:clamp(2.3rem,4.6vw,3.4rem);line-height:1.02;letter-spacing:-.02em;color:var(--ink);margin-bottom:20px}
  h1 .warm{color:var(--gold-deep)}
  .lede{font-size:1.13rem;color:var(--muted);max-width:38ch;margin-bottom:28px}

  .chips{display:flex;flex-wrap:wrap;gap:10px}
  .chip{display:inline-flex;align-items:center;gap:8px;font-size:.86rem;font-weight:500;color:var(--ink-2);background:var(--surface);border:1px solid var(--line);border-radius:100px;padding:8px 14px}
  .chip svg{width:15px;height:15px;color:var(--gold-deep)}

  /* ---------- quote card (signature) ---------- */
  .quote{background:var(--surface);border:1px solid var(--line);border-radius:20px;box-shadow:var(--shadow-lg);padding:26px}
  .quote-h{display:flex;align-items:baseline;justify-content:space-between;margin-bottom:18px}
  .quote-h h3{font-family:var(--display);font-weight:600;font-size:1.12rem;color:var(--ink)}
  .quote-h span{font-size:.8rem;color:var(--muted)}

  .qfield{border:1.5px solid var(--line-strong);border-radius:12px;padding:12px 14px;display:flex;align-items:center;gap:12px;transition:border-color .15s}
  .qfield:focus-within{border-color:var(--ink)}
  .qfield.receive{border-color:var(--gold);background:var(--gold-soft)}
  .qfield .amt{flex:1;min-width:0;border:none;outline:none;background:transparent;font-family:var(--mono);font-weight:700;font-size:1.5rem;color:var(--ink)}
  .qfield.receive .amt{color:var(--gold-deep)}
  .qfield .amt.out{cursor:default}
  .cur-select{position:relative;flex:0 0 auto}
  .cur-select select{appearance:none;-webkit-appearance:none;border:1px solid var(--line-strong);background:var(--bg);border-radius:9px;padding:8px 30px 8px 12px;font-family:var(--body);font-weight:600;font-size:.92rem;color:var(--ink);cursor:pointer}
  .cur-select::after{content:"";position:absolute;right:11px;top:50%;transform:translateY(-30%) rotate(45deg);width:6px;height:6px;border-right:2px solid var(--muted);border-bottom:2px solid var(--muted);pointer-events:none}

  .qlabel-row{font-size:.78rem;color:var(--muted);font-weight:600;margin:0 2px 8px}
  .qrate{display:flex;align-items:center;gap:10px;color:var(--muted);font-size:.86rem;margin:14px 2px 16px}
  .qrate .val{font-family:var(--mono);color:var(--ink);font-weight:700}
  .qrate .flag{margin-left:auto;font-size:.74rem;color:var(--gold-deep);background:var(--gold-soft);padding:3px 9px;border-radius:100px;font-weight:600}
  .qrate .line{flex:1;height:1px;background:var(--line);min-width:14px}

  /* instant / settling split */
  .qsplit{margin-top:16px;border:1px solid var(--line);border-radius:12px;overflow:hidden}
  .qsplit .srow{display:flex;justify-content:space-between;align-items:center;padding:11px 14px;font-size:.9rem}
  .qsplit .srow + .srow{border-top:1px solid var(--line)}
  .qsplit .srow .tag{display:inline-flex;align-items:center;gap:8px;font-weight:600}
  .qsplit .srow .tag .pip{width:9px;height:9px;border-radius:50%}
  .qsplit .srow.instant{background:var(--gold-soft)}
  .qsplit .srow.instant .tag{color:var(--gold-deep)}
  .qsplit .srow.instant .pip{background:var(--gold-deep)}
  .qsplit .srow.later .tag{color:var(--ink-2)}
  .qsplit .srow.later .pip{background:var(--ink-2)}
  .qsplit .srow .figure{font-family:var(--mono);font-weight:700;color:var(--ink)}
  .qsplit .srow.instant .figure{color:var(--gold-deep)}

  .qtake{font-size:.82rem;color:var(--muted);margin:12px 2px 0;line-height:1.45}
  .qtake b{color:var(--ink-2);font-weight:600}

  .qbreak{border-top:1px dashed var(--line-strong);margin-top:14px;padding-top:14px;font-size:.9rem}
  .qbreak .row{display:flex;justify-content:space-between;padding:4px 2px;color:var(--muted)}
  .qbreak .row span:last-child{font-family:var(--mono);color:var(--text)}
  .qbreak .row.total{color:var(--ink);font-weight:700;padding-top:10px;margin-top:6px;border-top:1px solid var(--line)}
  .qbreak .row.total span:last-child{color:var(--ink);font-weight:700}

  .quote .btn{width:100%;margin-top:18px}
  .qnote{font-size:.76rem;color:var(--muted);text-align:center;margin-top:12px;line-height:1.4}

  /* ---------- trust strip ---------- */
  .trust{border-top:1px solid var(--line);border-bottom:1px solid var(--line);background:var(--surface)}
  .trust-in{display:flex;flex-wrap:wrap;gap:18px 40px;padding:20px 0;align-items:center;justify-content:space-between}
  .trust-item{display:flex;align-items:center;gap:11px;font-size:.92rem;color:var(--ink-2);font-weight:500}
  .trust-item svg{width:20px;height:20px;color:var(--gold-deep);flex:0 0 auto}

  /* ---------- sections ---------- */
  section.band{padding:76px 0}
  .sec-head{max-width:54ch;margin-bottom:44px}
  .sec-tag{font-size:.8rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--gold-deep);margin-bottom:12px}
  h2{font-family:var(--display);font-weight:700;font-size:clamp(1.8rem,3.2vw,2.5rem);letter-spacing:-.015em;line-height:1.08;color:var(--ink);margin-bottom:14px}
  .sec-head p{color:var(--muted);font-size:1.06rem}

  .cards3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
  .card{background:var(--surface);border:1px solid var(--line);border-radius:var(--r);padding:26px;transition:transform .18s,box-shadow .18s,border-color .18s}
  .card:hover{transform:translateY(-3px);box-shadow:var(--shadow);border-color:var(--line-strong)}
  .card .ic{width:44px;height:44px;border-radius:11px;background:var(--gold-soft);display:flex;align-items:center;justify-content:center;margin-bottom:18px}
  .card .ic svg{width:22px;height:22px;color:var(--gold-deep)}
  .card h4{font-family:var(--display);font-weight:600;font-size:1.15rem;color:var(--ink);margin-bottom:9px}
  .card p{color:var(--muted);font-size:.96rem}

  /* how it works */
  .how{background:var(--ink);color:#F3E9EC}
  .how h2{color:#fff}
  .how .sec-tag{color:var(--gold)}
  .how .sec-head p{color:#C2AEB4}
  .steps{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
  .step{position:relative;padding-top:20px;border-top:2px solid rgba(180,20,46,.4)}
  .step .num{font-family:var(--mono);font-weight:700;font-size:.9rem;color:var(--gold);letter-spacing:.05em}
  .step h4{font-family:var(--display);font-weight:600;font-size:1.2rem;color:#fff;margin:12px 0 8px}
  .step p{color:#C2AEB4;font-size:.96rem}

  /* instant mechanic explainer */
  .mech .split-bar{display:flex;height:56px;border-radius:12px;overflow:hidden;border:1px solid var(--line);margin:26px 0 12px;font-size:.86rem;font-weight:600}
  .mech .split-bar .seg{display:flex;align-items:center;justify-content:center;gap:8px;padding:0 12px;text-align:center}
  .mech .split-bar .seg.now{background:var(--gold);color:var(--ink);flex:0 0 38%}
  .mech .split-bar .seg.rest{background:var(--ink);color:#F3E9EC;flex:1}
  .mech .bar-caps{display:flex;justify-content:space-between;font-size:.8rem;color:var(--muted);margin-bottom:26px}
  .mech .fine{font-size:.86rem;color:var(--muted);max-width:70ch}

  /* fund + receive split */
  .split{display:grid;grid-template-columns:.9fr 1.1fr;gap:56px}
  .opt-list{display:flex;flex-direction:column;gap:14px}
  .opt{display:flex;gap:16px;align-items:flex-start;background:var(--surface);border:1px solid var(--line);border-radius:12px;padding:18px 20px;position:relative}
  .opt .oic{width:40px;height:40px;border-radius:10px;flex:0 0 auto;display:flex;align-items:center;justify-content:center;background:var(--bg);border:1px solid var(--line)}
  .opt .oic svg{width:20px;height:20px;color:var(--ink)}
  .opt.warm .oic{background:var(--gold-soft);border-color:transparent}
  .opt.warm .oic svg{color:var(--gold-deep)}
  .opt h5{font-weight:600;font-size:1.02rem;color:var(--ink);margin-bottom:3px}
  .opt p{font-size:.9rem;color:var(--muted)}
  .opt .badge{position:absolute;top:14px;right:14px;font-size:.7rem;font-weight:700;letter-spacing:.04em;color:var(--gold-deep);background:var(--gold-soft);border-radius:100px;padding:3px 9px;text-transform:uppercase}
  .split .col > .sec-tag{margin-bottom:10px}
  .split .col > h3{font-family:var(--display);font-weight:700;font-size:1.5rem;color:var(--ink);margin-bottom:20px;letter-spacing:-.01em}

  /* rewards band */
  .rew{background:var(--gold-soft)}
  .rew-in{display:grid;grid-template-columns:1.2fr .8fr;gap:40px;align-items:center}
  .rew-in h2{color:var(--ink)}
  .rew-in .sec-tag{color:var(--gold-deep)}
  .rew-in p{color:#7E1B30;font-size:1.05rem;margin-bottom:10px}
  .rew-in .fine{font-size:.84rem;color:#8E2338}

  /* corridors */
  .corridors{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}
  .corr{background:var(--surface);border:1px solid var(--line);border-radius:11px;padding:16px 18px;display:flex;align-items:center;gap:10px;font-weight:500;color:var(--ink-2);font-size:.95rem}
  .corr .to{color:var(--muted);font-family:var(--mono);font-size:.85rem}
  .corr .dest{color:var(--ink);font-weight:600}
  .note-inline{margin-top:18px;font-size:.84rem;color:var(--muted);background:var(--gold-soft);border-radius:10px;padding:12px 16px;display:inline-block}
  .note-inline b{color:var(--gold-deep)}

  /* faq */
  .faq-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px 40px}
  details.faq{border-bottom:1px solid var(--line);padding:6px 0}
  details.faq summary{list-style:none;cursor:pointer;font-family:var(--display);font-weight:600;font-size:1.06rem;color:var(--ink);padding:14px 0;display:flex;justify-content:space-between;align-items:center;gap:16px}
  details.faq summary::-webkit-details-marker{display:none}
  details.faq summary .pm{flex:0 0 auto;width:20px;height:20px;position:relative;transition:transform .2s}
  details.faq summary .pm::before,details.faq summary .pm::after{content:"";position:absolute;background:var(--gold-deep);border-radius:2px}
  details.faq summary .pm::before{top:9px;left:2px;right:2px;height:2px}
  details.faq summary .pm::after{left:9px;top:2px;bottom:2px;width:2px;transition:opacity .2s}
  details.faq[open] summary .pm::after{opacity:0}
  details.faq p{color:var(--muted);font-size:.95rem;padding:0 0 16px}

  /* contact + footer */
  .contact{background:var(--ink);color:#F3E9EC}
  .contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:start}
  .contact h2{color:#fff}
  .contact .sec-tag{color:var(--gold)}
  .contact-info{display:flex;flex-direction:column;gap:14px;margin-top:6px}
  .ci{display:flex;gap:12px;align-items:center;color:#DDC9CF;font-size:1rem}
  .ci svg{width:19px;height:19px;color:var(--gold);flex:0 0 auto}
  .ci a:hover{color:#fff}
  .cform{background:rgba(255,255,255,.04);border:1px solid rgba(255,255,255,.1);border-radius:16px;padding:26px}
  .cform label{display:block;font-size:.85rem;font-weight:600;color:#DDC9CF;margin:0 0 6px}
  .cform .f{margin-bottom:16px}
  .cform input,.cform textarea{width:100%;background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.14);border-radius:10px;padding:12px 14px;color:#fff;font-family:var(--body);font-size:.98rem;outline:none;transition:border-color .15s}
  .cform input:focus,.cform textarea:focus{border-color:var(--gold)}
  .cform textarea{resize:vertical;min-height:96px}
  .cform .btn{width:100%}

  footer.foot{background:#141013;color:#A99299;padding:44px 0 40px;border-top:1px solid rgba(255,255,255,.06)}
  .foot-top{display:flex;flex-wrap:wrap;gap:30px;justify-content:space-between;align-items:flex-start;padding-bottom:26px;border-bottom:1px solid rgba(255,255,255,.08)}
  .foot .brand{color:#fff}
  .foot-nav{display:flex;gap:22px;flex-wrap:wrap}
  .foot-nav a{font-size:.92rem;color:#A99299}
  .foot-nav a:hover{color:#fff}
  .foot-legal{padding-top:24px;display:flex;flex-direction:column;gap:12px}
  .foot-legal p{font-size:.82rem;line-height:1.55;max-width:80ch}
  .foot-legal .msb{color:#DDC9CF}
  .foot-legal .msb b{color:var(--gold)}
  .foot-legal .safety{color:#A99299}
  .foot-bottom{margin-top:16px;font-size:.82rem;color:#8A737B}

  .ph{color:var(--gold-deep);border-bottom:1px dashed var(--gold-deep);cursor:help}
  .how .ph, .contact .ph, .foot .ph{color:var(--gold);border-color:var(--gold)}

  /* ---------- responsive ---------- */
  @media (max-width:920px){
    .hero-grid{grid-template-columns:1fr;gap:40px}
    .lede{max-width:48ch}
    .cards3,.steps,.corridors{grid-template-columns:1fr 1fr}
    .split,.rew-in,.contact-grid,.faq-grid{grid-template-columns:1fr;gap:36px}
    .nav-links{display:none}
  }
  @media (max-width:560px){
    .wrap{padding:0 18px}
    .cards3,.steps,.corridors,.faq-grid{grid-template-columns:1fr}
    .nav-cta .btn-ghost{display:none}
    section.band{padding:56px 0}
    .hero{padding:36px 0 48px}
    .trust-in{gap:14px 24px}
    .mech .split-bar .seg.now{flex:0 0 46%}
  }

  @media (prefers-reduced-motion:reduce){
    *{animation:none!important;transition:none!important;scroll-behavior:auto!important}
  }

  /* ================================================= */
  /* INNER PAGE COMPONENTS (second layer)               */
  /* ================================================= */

  /* page hero (inner pages) */
  .page-hero{padding:56px 0 40px;border-bottom:1px solid var(--line)}
  .page-hero .crumb{font-size:.82rem;color:var(--muted);margin-bottom:14px}
  .page-hero .crumb a{color:var(--gold-deep);font-weight:600}
  .page-hero h1{font-size:clamp(2rem,4vw,2.9rem);max-width:22ch}
  .page-hero .lede{margin-bottom:0;max-width:56ch}

  /* prose blocks */
  .prose{max-width:70ch;font-size:1.02rem;color:var(--text)}
  .prose p{margin-bottom:16px}
  .prose h3{font-family:var(--display);font-weight:700;font-size:1.35rem;color:var(--ink);margin:34px 0 12px;letter-spacing:-.01em}
  .prose ul{margin:0 0 16px 20px}
  .prose li{margin-bottom:8px;color:var(--muted)}
  .prose li b{color:var(--ink-2)}

  /* comparison / pricing tables */
  table.tbl{width:100%;border-collapse:collapse;background:var(--surface);border:1px solid var(--line);border-radius:12px;overflow:hidden;font-size:.95rem}
  .tbl-wrap{overflow-x:auto;border-radius:12px}
  table.tbl th{font-family:var(--body);font-weight:700;text-align:left;color:var(--ink);background:var(--gold-soft);padding:13px 16px;font-size:.88rem;letter-spacing:.02em}
  table.tbl td{padding:13px 16px;border-top:1px solid var(--line);color:var(--muted);vertical-align:top}
  table.tbl td:first-child{color:var(--ink);font-weight:600}
  table.tbl .num{font-family:var(--mono);color:var(--ink)}
  table.tbl .good{color:var(--gold-deep);font-weight:600}

  /* worked example card */
  .example{background:var(--surface);border:1px solid var(--line);border-radius:16px;box-shadow:var(--shadow);padding:26px;max-width:520px}
  .example h4{font-family:var(--display);font-weight:600;font-size:1.1rem;color:var(--ink);margin-bottom:16px}
  .example .row{display:flex;justify-content:space-between;padding:7px 0;font-size:.95rem;color:var(--muted);border-bottom:1px dashed var(--line)}
  .example .row span:last-child{font-family:var(--mono);color:var(--ink);font-weight:700}
  .example .row.hl{color:var(--gold-deep)}
  .example .row.hl span:last-child{color:var(--gold-deep)}
  .example .row:last-child{border-bottom:none}

  /* journey timeline */
  .journey{display:flex;flex-direction:column;gap:0;max-width:640px}
  .jstep{display:flex;gap:20px;position:relative;padding-bottom:30px}
  .jstep::before{content:"";position:absolute;left:17px;top:38px;bottom:0;width:2px;background:var(--line-strong)}
  .jstep:last-child{padding-bottom:0}
  .jstep:last-child::before{display:none}
  .jstep .jn{width:36px;height:36px;border-radius:50%;background:var(--ink);color:#fff;font-family:var(--mono);font-weight:700;font-size:.9rem;display:flex;align-items:center;justify-content:center;flex:0 0 auto;position:relative;z-index:1}
  .jstep.gold .jn{background:var(--gold);color:var(--ink)}
  .jstep h5{font-family:var(--display);font-weight:600;font-size:1.08rem;color:var(--ink);margin:6px 0 5px}
  .jstep p{font-size:.94rem;color:var(--muted)}

  /* callout */
  .callout{background:var(--gold-soft);border-radius:12px;padding:18px 20px;font-size:.92rem;color:#7E1B30;max-width:70ch}
  .callout b{color:var(--gold-deep)}
  .callout.dark{background:var(--ink);color:#C2AEB4}
  .callout.dark b{color:var(--gold)}

  /* legal pages */
  .legal-banner{background:#FBE9ED;border:1.5px dashed var(--gold-deep);border-radius:12px;padding:16px 20px;color:#7E1B30;font-size:.92rem;font-weight:600;margin-bottom:34px}
  .prose.legal h3{font-size:1.15rem;margin-top:28px}
  .prose.legal p.stub{color:#9AACA9;border-left:3px solid var(--line-strong);padding-left:14px}

  /* small two-col utility */
  .two-col{display:grid;grid-template-columns:1fr 1fr;gap:44px;align-items:start}
  @media (max-width:920px){.two-col{grid-template-columns:1fr}}