:root {
  --bg: #f8f4ee;
  --bg-soft: #ffffff;
  --surface: rgba(255, 255, 255, 0.88);
  --surface-strong: #ffffff;
  --line: rgba(233, 171, 98, 0.36);
  --text: #1b2e45;
  --text-soft: #5d6f84;
  --accent: #ff8a00;
  --accent-strong: #e87300;
  --accent-2: #17a06f;
  --shadow: 0 16px 44px rgba(22, 39, 61, 0.14);
  --radius: 18px;
  --radius-sm: 12px;
}

*,
*::before,
*::after {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  min-height: 100vh;
  background:
    radial-gradient(38rem 38rem at 8% 8%, rgba(255, 165, 69, 0.25), transparent 66%),
    radial-gradient(40rem 40rem at 100% 16%, rgba(23, 160, 111, 0.1), transparent 66%),
    linear-gradient(145deg, #fef9f3 0%, #f8f4ee 48%, #fffdf9 100%);
  color: var(--text);
  font-family: "Space Grotesk", "Segoe UI", sans-serif;
  line-height: 1.6;
}

a {
  color: inherit;
}

.ambient {
  position: fixed;
  pointer-events: none;
  z-index: -1;
  border-radius: 999px;
  filter: blur(50px);
}

.orb-a {
  width: 280px;
  height: 280px;
  background: rgba(255, 167, 74, 0.26);
  top: 96px;
  left: -110px;
}

.orb-b {
  width: 320px;
  height: 320px;
  background: rgba(23, 160, 111, 0.14);
  right: -130px;
  bottom: 10vh;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 25;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  padding: 0.95rem clamp(1rem, 4vw, 4rem);
  background: rgba(255, 252, 247, 0.84);
  backdrop-filter: blur(11px);
  border-bottom: 1px solid rgba(233, 171, 98, 0.28);
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 0.62rem;
  font-weight: 700;
  text-decoration: none;
  letter-spacing: 0.02em;
  color: var(--text);
}

.brand img {
  width: 42px;
  height: 42px;
  object-fit: cover;
  border-radius: 50%;
  border: 2px solid rgba(255, 185, 94, 0.75);
  box-shadow: 0 6px 18px rgba(255, 138, 0, 0.22);
}

.brand span {
  line-height: 1;
}

.main-nav {
  display: flex;
  align-items: center;
  gap: 0.9rem;
}

.main-nav a {
  text-decoration: none;
  color: var(--text-soft);
  font-weight: 600;
  transition: color 0.2s ease;
}

.main-nav a:hover {
  color: var(--accent-strong);
}

.menu-toggle {
  display: none;
  border: 1px solid var(--line);
  background: var(--surface-strong);
  color: var(--text);
  padding: 0.4rem 0.7rem;
  border-radius: 8px;
}

.section {
  width: min(1120px, 92vw);
  margin: 0 auto;
  padding: clamp(4rem, 8vw, 7rem) 0;
}

.market-strip {
  width: min(1120px, 92vw);
  margin: 1.1rem auto 0;
  background: linear-gradient(135deg, rgba(255, 255, 255, 0.96), rgba(255, 246, 234, 0.9));
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  overflow: hidden;
}

.market-strip-head {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 0.8rem;
  padding: 0.72rem 1rem;
  border-bottom: 1px solid rgba(233, 171, 98, 0.28);
}

.market-strip-head p {
  margin: 0;
  font-size: 0.95rem;
  font-weight: 700;
  color: #1d3551;
}

.market-strip-head span {
  font-size: 0.82rem;
  color: var(--text-soft);
}

.market-strip-body {
  padding: 0.2rem 0.25rem 0.35rem;
}

.indices-ticker {
  overflow: hidden;
  padding: 0.18rem 0;
}

.indices-track {
  display: inline-flex;
  align-items: center;
  gap: 0.72rem;
  min-width: 100%;
  width: max-content;
  animation: ticker-scroll 26s linear infinite;
}

.index-chip {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  padding: 0.42rem 0.7rem;
  border: 1px solid rgba(233, 171, 98, 0.34);
  border-radius: 999px;
  background: rgba(255, 255, 255, 0.75);
  font-size: 0.84rem;
  color: #1f334d;
  white-space: nowrap;
}

.index-chip strong {
  font-size: 0.86rem;
}

.index-chip .up {
  color: #14895f;
  font-weight: 700;
}

.index-chip .down {
  color: #c03b43;
  font-weight: 700;
}

.indices-ticker:hover .indices-track {
  animation-play-state: paused;
}

@keyframes ticker-scroll {
  0% {
    transform: translateX(0);
  }
  100% {
    transform: translateX(-50%);
  }
}

.hero {
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  gap: clamp(1.4rem, 3vw, 2.7rem);
  align-items: start;
}

.eyebrow {
  display: inline-block;
  margin: 0;
  padding: 0.28rem 0.66rem;
  border-radius: 999px;
  font-size: 0.82rem;
  background: rgba(255, 138, 0, 0.12);
  border: 1px solid rgba(233, 171, 98, 0.45);
  color: #905100;
}

h1,
h2,
h3 {
  font-family: "Fraunces", Georgia, serif;
  line-height: 1.15;
  margin: 0 0 0.7rem;
  color: #15263a;
}

h1 {
  font-size: clamp(2rem, 5vw, 3.7rem);
  margin-top: 0.9rem;
}

h2 {
  font-size: clamp(1.6rem, 3.2vw, 2.5rem);
}

.hero-subtitle {
  margin: 1rem 0 1.6rem;
  color: var(--text-soft);
  max-width: 60ch;
}

.cta-row {
  display: flex;
  gap: 0.8rem;
  flex-wrap: wrap;
  margin-bottom: 2rem;
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.4rem;
  text-decoration: none;
  padding: 0.78rem 1.25rem;
  border-radius: 12px;
  border: none;
  cursor: pointer;
  font: inherit;
  font-weight: 700;
  color: #ffffff;
  background: linear-gradient(135deg, var(--accent), #ffae42);
  box-shadow: 0 12px 30px rgba(255, 138, 0, 0.28);
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}

.btn:hover {
  transform: translateY(-1px);
  box-shadow: 0 15px 34px rgba(255, 138, 0, 0.32);
}

.btn-ghost {
  background: rgba(255, 255, 255, 0.65);
  color: var(--text);
  border: 1px solid var(--line);
  box-shadow: none;
}

.btn-small {
  padding: 0.42rem 0.8rem;
  border-radius: 8px;
  background: rgba(255, 138, 0, 0.14);
  border: 1px solid rgba(233, 171, 98, 0.5);
  color: #8a4d00;
}

.stats-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 0.9rem;
}

.stats-grid article {
  padding: 0.9rem;
  border-radius: var(--radius-sm);
  background: var(--surface);
  border: 1px solid var(--line);
  box-shadow: var(--shadow);
}

.stats-grid strong {
  display: block;
  font-size: 1.25rem;
}

.stats-grid span {
  color: var(--text-soft);
  font-size: 0.9rem;
}

.hero-panel {
  background: linear-gradient(170deg, rgba(255, 255, 255, 0.97), rgba(255, 245, 232, 0.92));
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 1.4rem;
  box-shadow: var(--shadow);
}

.panel-brand {
  display: flex;
  align-items: center;
  gap: 0.72rem;
  margin-bottom: 0.5rem;
}

.panel-brand img {
  width: 54px;
  height: 54px;
  object-fit: cover;
  border-radius: 50%;
  border: 2px solid rgba(255, 189, 101, 0.62);
}

.panel-title {
  margin: 0;
  font-size: 0.84rem;
  text-transform: uppercase;
  letter-spacing: 0.09em;
  color: var(--accent-strong);
}

.schedule {
  list-style: none;
  margin: 1rem 0;
  padding: 0;
  display: grid;
  gap: 0.8rem;
}

.schedule li {
  display: grid;
  grid-template-columns: 52px 1fr;
  gap: 0.8rem;
  align-items: start;
  padding-bottom: 0.7rem;
  border-bottom: 1px solid rgba(233, 171, 98, 0.35);
}

.schedule li:last-child {
  border-bottom: none;
  padding-bottom: 0;
}

.schedule span {
  border-radius: 10px;
  border: 1px solid rgba(233, 171, 98, 0.5);
  background: rgba(255, 138, 0, 0.1);
  text-align: center;
  font-weight: 700;
  color: var(--accent-strong);
  padding: 0.16rem 0;
}

.schedule p {
  margin: 0;
  color: var(--text-soft);
}

.panel-note {
  margin: 0;
  color: var(--text-soft);
}

.account-opening {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: clamp(1.2rem, 3vw, 2.4rem);
  padding: clamp(1.3rem, 3vw, 2rem);
  border: 1px solid rgba(199, 49, 69, 0.16);
  border-radius: calc(var(--radius) + 4px);
  background:
    radial-gradient(circle at top right, rgba(199, 49, 69, 0.12), transparent 32%),
    linear-gradient(155deg, rgba(255, 255, 255, 0.98), rgba(255, 246, 234, 0.96));
  box-shadow: var(--shadow);
}

.account-opening-copy h2 {
  margin-top: 0.95rem;
}

.account-opening-lead {
  margin: 0 0 1.4rem;
  color: var(--text-soft);
  max-width: 60ch;
}

.account-highlights {
  list-style: none;
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 0.75rem;
  margin-bottom: 1.4rem;
  margin-top: 0;
  padding: 0;
}

.account-highlights li {
  position: relative;
  min-height: 122px;
  padding: 0.85rem 0.9rem 0.9rem;
  border-radius: 14px;
  background:
    linear-gradient(180deg, rgba(255, 255, 255, 0.98), rgba(255, 249, 242, 0.92)),
    rgba(255, 255, 255, 0.94);
  border: 1px solid rgba(233, 171, 98, 0.26);
  box-shadow: 0 12px 26px rgba(22, 39, 61, 0.07);
  overflow: hidden;
  transition: transform 0.22s ease, box-shadow 0.22s ease, border-color 0.22s ease;
}

.account-highlights li::before {
  content: "";
  position: absolute;
  top: 0;
  left: 0.9rem;
  width: 52px;
  height: 3px;
  border-radius: 999px;
  background: linear-gradient(90deg, #c73145, #ff9b2e);
}

.account-highlights li:hover {
  transform: translateY(-2px);
  border-color: rgba(199, 49, 69, 0.24);
  box-shadow: 0 18px 34px rgba(22, 39, 61, 0.11);
}

.highlight-tag,
.highlight-note {
  display: block;
}

.highlight-tag {
  margin-bottom: 0.55rem;
  color: #a42a42;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.07em;
  text-transform: uppercase;
}

.account-highlights strong {
  display: block;
  color: #1f334d;
  font-size: 0.98rem;
  line-height: 1.25;
}

.highlight-note {
  margin-top: 0.38rem;
  color: var(--text-soft);
  font-size: 0.84rem;
  line-height: 1.4;
}

.account-opening-panel {
  display: grid;
  gap: 1rem;
  align-content: start;
}

.account-brand,
.qr-card {
  background: rgba(255, 255, 255, 0.92);
  border: 1px solid rgba(233, 171, 98, 0.34);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
}

.account-brand {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  padding: 1rem 1.15rem;
}

.account-brand img {
  width: min(170px, 46vw);
  height: auto;
  display: block;
}

.account-brand p {
  margin: 0;
  max-width: 15ch;
  text-align: right;
  font-size: 0.9rem;
  font-weight: 600;
  color: #9f2941;
}

.qr-card {
  margin: 0;
  padding: 1.1rem;
  text-align: center;
}

.qr-card img {
  width: min(100%, 260px);
  height: auto;
  display: block;
  margin: 0 auto;
  border-radius: 18px;
  background: #ffffff;
  padding: 0.45rem;
  border: 1px solid rgba(27, 46, 69, 0.08);
}

.qr-card figcaption {
  margin-top: 0.95rem;
  color: var(--text-soft);
  font-size: 0.95rem;
}

.qr-open-btn {
  width: min(100%, 260px);
  margin-top: 1rem;
}

.qr-card figcaption a {
  color: #bf6700;
  font-weight: 700;
  text-decoration: none;
}

.section-head {
  max-width: 720px;
}

.feature-grid,
.program-grid,
.testimonial-grid {
  margin-top: 1.4rem;
  display: grid;
  gap: 1rem;
}

.feature-grid {
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

.program-grid {
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

.testimonial-grid {
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

.alt {
  position: relative;
}

.alt::before {
  content: "";
  position: absolute;
  inset: 1rem 0;
  border-top: 1px dashed rgba(233, 171, 98, 0.28);
  border-bottom: 1px dashed rgba(233, 171, 98, 0.28);
  pointer-events: none;
}

.card,
.program-card,
.faq-item,
.contact-form {
  position: relative;
  background: var(--surface-strong);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
}

.card {
  padding: 1.2rem;
}

.card p {
  margin: 0;
}

.program-card {
  padding: 1.2rem;
}

.program-card .level {
  margin: 0;
  font-size: 0.78rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--accent-strong);
}

.program-card ul {
  margin: 0.8rem 0 1.1rem;
  padding-left: 1rem;
  color: var(--text-soft);
}

.program-card li {
  margin-bottom: 0.4rem;
}

.program-card a {
  color: #bf6700;
  font-weight: 600;
}

.program-card.featured {
  border-color: rgba(233, 171, 98, 0.62);
  background:
    linear-gradient(145deg, rgba(255, 164, 65, 0.2), rgba(23, 160, 111, 0.08)),
    var(--surface-strong);
}

blockquote.card {
  margin: 0;
}

cite {
  display: block;
  margin-top: 1rem;
  font-style: normal;
  color: var(--accent-2);
  font-size: 0.92rem;
}

.faq-list {
  margin-top: 1.4rem;
  display: grid;
  gap: 0.9rem;
}

.faq-item {
  padding: 0.8rem;
}

.faq-item button {
  width: 100%;
  text-align: left;
  border: 0;
  background: transparent;
  color: var(--text);
  font: inherit;
  font-weight: 700;
  cursor: pointer;
  padding: 0.2rem 0;
}

.faq-item p {
  max-height: 0;
  overflow: hidden;
  margin: 0;
  color: var(--text-soft);
  transition: max-height 0.24s ease, margin-top 0.24s ease;
}

.faq-item.open p {
  max-height: 180px;
  margin-top: 0.5rem;
}

.contact-direct {
  margin-top: 1.4rem;
  padding: 1rem 1.2rem;
}

.contact-direct-label {
  margin: 0 0 0.85rem;
  font-weight: 700;
  color: var(--text);
}

.contact-links {
  display: flex;
  flex-wrap: wrap;
  gap: 0.8rem;
}

.contact-links a,
.footer-contacts a {
  text-decoration: none;
  color: #bf6700;
  font-weight: 700;
}

.contact-links a {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-width: 180px;
  padding: 0.72rem 0.95rem;
  border: 1px solid rgba(233, 171, 98, 0.46);
  border-radius: 999px;
  background: rgba(255, 247, 236, 0.9);
}

.contact-links a:hover,
.footer-contacts a:hover {
  color: var(--accent-strong);
}

.contact-form {
  margin-top: 1.4rem;
  padding: 1.2rem;
  display: grid;
  gap: 0.8rem;
}

.contact-form label {
  display: grid;
  gap: 0.35rem;
  color: var(--text-soft);
}

input,
textarea {
  width: 100%;
  border: 1px solid rgba(233, 171, 98, 0.46);
  border-radius: 10px;
  background: #ffffff;
  color: var(--text);
  padding: 0.7rem;
  font: inherit;
}

input:focus,
textarea:focus {
  outline: 2px solid rgba(255, 138, 0, 0.3);
  outline-offset: 1px;
}

.form-note {
  margin: 0;
  color: var(--accent-2);
  min-height: 1.3em;
}

.site-footer {
  width: min(1120px, 92vw);
  margin: 0 auto 2.2rem;
  padding-top: 1.3rem;
  border-top: 1px solid var(--line);
  color: var(--text-soft);
}

.footer-contacts {
  margin: 0.45rem 0 0;
}

.risk-warning {
  font-size: 0.9rem;
}

.reveal {
  opacity: 0;
  transform: translateY(14px);
  transition: opacity 0.5s ease, transform 0.5s ease;
}

.reveal.in-view {
  opacity: 1;
  transform: translateY(0);
}

@media (max-width: 960px) {
  .hero {
    grid-template-columns: 1fr;
  }

  .account-opening {
    grid-template-columns: 1fr;
  }

  .account-highlights {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .feature-grid,
  .program-grid,
  .testimonial-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (max-width: 760px) {
  .menu-toggle {
    display: block;
  }

  .main-nav {
    position: absolute;
    top: calc(100% + 0.5rem);
    right: 1rem;
    display: none;
    min-width: 220px;
    padding: 0.9rem;
    flex-direction: column;
    align-items: stretch;
    gap: 0.6rem;
    border: 1px solid var(--line);
    border-radius: 12px;
    background: #fffaf3;
    box-shadow: var(--shadow);
  }

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

  .market-strip-head {
    flex-direction: column;
    align-items: flex-start;
  }

  .indices-track {
    animation-duration: 35s;
  }

  .stats-grid,
  .account-highlights,
  .feature-grid,
  .program-grid,
  .testimonial-grid {
    grid-template-columns: 1fr;
  }

  .account-brand {
    flex-direction: column;
    align-items: flex-start;
  }

  .account-brand p {
    max-width: none;
    text-align: left;
  }
}

@media (prefers-reduced-motion: reduce) {
  .indices-track {
    animation: none;
  }
}