/* ============================================================
   TOKENS
   ============================================================ */
:root {
  --navy:      #0a2357;
  --navy-dark: #061740;
  --blue:      #1050b4;
  --blue-mid:  #1460cc;
  --blue-soft: #e8f0fb;
  --gold:      #c8a84b;
  --gold-soft: #fdf6e3;
  --red:       #c0392b;
  --red-soft:  #fdf0ef;
  --green:     #1a7f5a;
  --green-soft:#e6f5f0;
  --orange:    #d4680f;
  --orange-soft:#fdf2e8;
  --purple:    #6b3fa0;
  --purple-soft:#f2ecfb;
  --teal:      #0d7a8a;
  --teal-soft: #e6f5f7;
  --text:      #0f1c33;
  --text-2:    #3d5070;
  --text-3:    #6b7d99;
  --border:    #dde3ef;
  --bg:        #f5f7fc;
  --surface:   #ffffff;
  --radius-sm: 8px;
  --radius:    14px;
  --radius-lg: 20px;
  --shadow-sm: 0 2px 8px rgba(10,35,87,.07);
  --shadow:    0 6px 24px rgba(10,35,87,.10);
  --shadow-lg: 0 16px 48px rgba(10,35,87,.14);
}

/* ============================================================
   RESET & BASE
   ============================================================ */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
  font-family: 'Inter', system-ui, sans-serif;
  background: var(--bg);
  color: var(--text);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}
img, svg { display: block; }
a { color: inherit; }
ul { list-style: none; }

.wrap {
  width: min(1120px, 100% - 2.5rem);
  margin-inline: auto;
}

/* ============================================================
   NAVBAR
   ============================================================ */
.navbar {
  position: sticky;
  top: 0;
  z-index: 100;
  background: var(--navy);
  border-bottom: 1px solid rgba(255,255,255,.08);
  backdrop-filter: blur(8px);
}
.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  min-height: 64px;
  gap: 1rem;
}
.nav-logo {
  display: flex;
  align-items: center;
  gap: .75rem;
  text-decoration: none;
  flex-shrink: 0;
}
.logo-mark {
  width: 48px;
  height: 40px;
  border-radius: 10px;
  background: var(--blue-mid);
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 800;
  font-size: .8rem;
  letter-spacing: -.01em;
  color: #fff;
  flex-shrink: 0;
  padding: 0 .4rem;
}
.logo-mark--sm { width: 44px; height: 36px; font-size: .72rem; }
.logo-b  { color: #fff; }
.logo-dk { color: var(--gold); }
.logo-name {
  display: block;
  font-size: .88rem;
  font-weight: 700;
  color: #fff;
  line-height: 1.2;
}
.logo-sub {
  display: block;
  font-size: .72rem;
  color: rgba(255,255,255,.55);
  letter-spacing: .03em;
}
.nav-menu {
  display: flex;
  align-items: center;
  gap: .25rem;
  flex-wrap: wrap;
}
.nav-menu a {
  font-size: .85rem;
  font-weight: 500;
  color: rgba(255,255,255,.8);
  text-decoration: none;
  padding: .45rem .75rem;
  border-radius: var(--radius-sm);
  transition: background .15s, color .15s;
}
.nav-menu a:hover { background: rgba(255,255,255,.1); color: #fff; }
.nav-cta {
  background: var(--gold) !important;
  color: var(--navy-dark) !important;
  font-weight: 600 !important;
  padding: .45rem .9rem !important;
}
.nav-cta:hover { opacity: .9; }
.nav-toggle {
  display: none;
  flex-direction: column;
  justify-content: center;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: .4rem;
}
.nav-toggle span {
  display: block;
  width: 22px;
  height: 2px;
  background: #fff;
  border-radius: 2px;
  transition: .2s;
}

/* ============================================================
   HERO
   ============================================================ */
.hero {
  background: linear-gradient(145deg, var(--navy-dark) 0%, var(--navy) 55%, var(--blue) 100%);
  color: #fff;
  padding: 5rem 0 0;
  position: relative;
  overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse 60% 80% at 80% 50%, rgba(20,96,204,.35) 0%, transparent 70%);
  pointer-events: none;
}
.hero-inner {
  display: grid;
  grid-template-columns: 1fr auto;
  align-items: center;
  gap: 2rem;
  position: relative;
  z-index: 1;
}
.hero-eyebrow { margin-bottom: 1.25rem; }
.badge {
  display: inline-block;
  font-size: .75rem;
  font-weight: 600;
  letter-spacing: .08em;
  text-transform: uppercase;
  padding: .3rem .75rem;
  border-radius: 999px;
}
.badge--light {
  background: rgba(255,255,255,.15);
  color: rgba(255,255,255,.9);
  border: 1px solid rgba(255,255,255,.25);
}
.hero h1 {
  font-size: clamp(2rem, 5vw, 3rem);
  font-weight: 800;
  line-height: 1.15;
  margin-bottom: 1.25rem;
  letter-spacing: -.02em;
}
.hero-lead {
  font-size: 1.05rem;
  color: rgba(255,255,255,.82);
  max-width: 52ch;
  margin-bottom: 2rem;
  line-height: 1.65;
}
.hero-actions { display: flex; flex-wrap: wrap; gap: .75rem; }
.btn {
  display: inline-flex;
  align-items: center;
  font: inherit;
  font-size: .95rem;
  font-weight: 600;
  padding: .75rem 1.5rem;
  border-radius: var(--radius-sm);
  text-decoration: none;
  cursor: pointer;
  border: 2px solid transparent;
  transition: .15s;
}
.btn--primary { background: var(--gold); color: var(--navy-dark); border-color: var(--gold); }
.btn--primary:hover { opacity: .88; }
.btn--outline { background: transparent; color: #fff; border-color: rgba(255,255,255,.45); }
.btn--outline:hover { background: rgba(255,255,255,.1); border-color: rgba(255,255,255,.7); }

/* Shield visual */
.hero-visual { flex-shrink: 0; }
.shield-wrap {
  position: relative;
  width: 180px;
  height: 180px;
  display: flex;
  align-items: center;
  justify-content: center;
}
.shield {
  position: relative;
  z-index: 2;
  width: 100px;
  height: 110px;
}
.shield svg { width: 100%; height: 100%; }
.shield-ring {
  position: absolute;
  border-radius: 50%;
  border: 1px solid rgba(255,255,255,.12);
  inset: 0;
  margin: auto;
  animation: pulse 3s ease-in-out infinite;
}
.r1 { width: 130px; height: 130px; }
.r2 { width: 170px; height: 170px; animation-delay: 1.5s; }
@keyframes pulse {
  0%, 100% { opacity: .5; transform: scale(1); }
  50% { opacity: 1; transform: scale(1.04); }
}

.hero-wave {
  margin-top: 3rem;
  line-height: 0;
}
.hero-wave svg { width: 100%; height: 80px; }

/* ============================================================
   STAT / OVERVIEW CARDS
   ============================================================ */
.section-slim { padding: 0 0 3.5rem; margin-top: -1px; }
.stat-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1rem;
}
.stat-card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 1.25rem 1.1rem;
  display: flex;
  align-items: flex-start;
  gap: .9rem;
  box-shadow: var(--shadow-sm);
  transition: box-shadow .2s, transform .2s;
}
.stat-card:hover { box-shadow: var(--shadow); transform: translateY(-2px); }
.stat-icon {
  flex-shrink: 0;
  width: 40px;
  height: 40px;
  border-radius: var(--radius-sm);
  background: var(--blue-soft);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--blue);
}
.stat-icon svg { width: 20px; height: 20px; }
.stat-label {
  font-size: .88rem;
  font-weight: 700;
  color: var(--text);
  line-height: 1.3;
}
.stat-desc {
  font-size: .78rem;
  color: var(--text-3);
  margin-top: .2rem;
  line-height: 1.4;
}

/* ============================================================
   SECTION COMMONS
   ============================================================ */
.section { padding: 5rem 0; }
.section--alt { background: var(--surface); border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); padding: 5rem 0; }
.section-head {
  max-width: 640px;
  margin-bottom: 3rem;
}
.section-eyebrow {
  font-size: .75rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .1em;
  color: var(--blue);
  margin-bottom: .6rem;
}
.section-head h2 {
  font-size: clamp(1.6rem, 3vw, 2.25rem);
  font-weight: 800;
  letter-spacing: -.02em;
  color: var(--navy);
  margin-bottom: .75rem;
}
.section-desc {
  font-size: 1rem;
  color: var(--text-2);
  line-height: 1.7;
}
.section-desc a { color: var(--blue); font-weight: 500; }
.section-desc strong { color: var(--text); font-weight: 600; }

/* ============================================================
   GUIDE GRID
   ============================================================ */
.guide-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.25rem;
}
.guide-card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 1.5rem 1.4rem;
  box-shadow: var(--shadow-sm);
  transition: box-shadow .2s, transform .2s;
}
.guide-card:hover { box-shadow: var(--shadow); transform: translateY(-2px); }
.guide-icon {
  width: 48px;
  height: 48px;
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1rem;
}
.guide-icon svg { width: 22px; height: 22px; }
.guide-icon--blue   { background: var(--blue-soft);   color: var(--blue); }
.guide-icon--green  { background: var(--green-soft);  color: var(--green); }
.guide-icon--orange { background: var(--orange-soft); color: var(--orange); }
.guide-icon--purple { background: var(--purple-soft); color: var(--purple); }
.guide-icon--red    { background: var(--red-soft);    color: var(--red); }
.guide-icon--teal   { background: var(--teal-soft);   color: var(--teal); }
.guide-card h3 {
  font-size: .95rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: .5rem;
}
.guide-card p {
  font-size: .88rem;
  color: var(--text-2);
  line-height: 1.65;
}

/* ============================================================
   WARN LIST
   ============================================================ */
.warn-list {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.25rem;
}
.warn-item {
  display: flex;
  align-items: flex-start;
  gap: 1.1rem;
  background: var(--bg);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 1.5rem 1.4rem;
  border-left: 4px solid var(--red);
  transition: box-shadow .2s;
}
.warn-item:hover { box-shadow: var(--shadow-sm); }
.warn-num {
  flex-shrink: 0;
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: var(--red-soft);
  border: 1.5px solid #eabfbb;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: .72rem;
  font-weight: 700;
  color: var(--red);
  letter-spacing: .03em;
}
.warn-body h3 {
  font-size: .95rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: .45rem;
}
.warn-body p {
  font-size: .875rem;
  color: var(--text-2);
  line-height: 1.65;
}
.warn-body strong { color: var(--red); font-weight: 600; }

/* ============================================================
   CONTACT GRID
   ============================================================ */
.contact-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.25rem;
}
.contact-card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 1.5rem 1.4rem;
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
  gap: .5rem;
  transition: box-shadow .2s, transform .2s;
}
.contact-card:hover { box-shadow: var(--shadow); transform: translateY(-2px); }
.contact-card__bank {
  font-size: .72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .07em;
  color: var(--blue);
  margin-bottom: .35rem;
}
.contact-card__num {
  font-size: 1.35rem;
  font-weight: 700;
  font-variant-numeric: tabular-nums;
  letter-spacing: .01em;
  color: var(--navy);
  margin-bottom: .1rem;
}
.contact-card__num a {
  color: inherit;
  text-decoration: none;
  transition: color .15s;
}
.contact-card__num a:hover { color: var(--blue); }
.contact-card__title {
  font-size: .88rem;
  font-weight: 600;
  color: var(--text);
}
.contact-card__note {
  font-size: .82rem;
  color: var(--text-3);
  line-height: 1.55;
}
.contact-card__link {
  margin-top: .25rem;
  font-size: .8rem;
}
.contact-card__link a {
  color: var(--blue);
  font-weight: 500;
  text-decoration: none;
}
.contact-card__link a:hover { text-decoration: underline; }

/* ============================================================
   BDDK GRID
   ============================================================ */
.bddk-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1.25rem;
  margin-bottom: 1.5rem;
}
.bddk-note {
  display: flex;
  align-items: center;
  gap: .75rem;
  padding: 1rem 1.25rem;
  background: var(--blue-soft);
  border: 1px solid #c5d6f5;
  border-radius: var(--radius-sm);
  font-size: .88rem;
  color: var(--text-2);
}
.bddk-note svg { flex-shrink: 0; width: 20px; height: 20px; color: var(--blue); }
.bddk-note p { margin: 0; }
.bddk-note a { color: var(--blue); font-weight: 600; }

/* ============================================================
   FOOTER
   ============================================================ */
.site-footer { background: var(--navy); color: rgba(255,255,255,.75); }
.footer-top {
  padding: 3rem 0;
  display: flex;
  gap: 3rem;
  align-items: flex-start;
  justify-content: space-between;
  flex-wrap: wrap;
}
.footer-brand {
  display: flex;
  align-items: center;
  gap: .75rem;
}
.footer-name {
  font-size: .9rem;
  font-weight: 700;
  color: #fff;
}
.footer-tagline {
  font-size: .75rem;
  color: rgba(255,255,255,.5);
  margin-top: .1rem;
}
.footer-nav { display: flex; gap: 3rem; flex-wrap: wrap; }
.footer-col-title {
  font-size: .75rem;
  font-weight: 700;
  letter-spacing: .08em;
  text-transform: uppercase;
  color: rgba(255,255,255,.45);
  margin-bottom: .75rem;
}
.footer-col ul { display: flex; flex-direction: column; gap: .5rem; }
.footer-col a {
  font-size: .85rem;
  color: rgba(255,255,255,.65);
  text-decoration: none;
  transition: color .15s;
}
.footer-col a:hover { color: #fff; }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.1);
  padding: 1.25rem 0;
}
.footer-bottom-inner {
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: .5rem;
  font-size: .82rem;
  color: rgba(255,255,255,.4);
}

/* ============================================================
   INFO BANNER
   ============================================================ */
.info-banner {
  display: flex;
  align-items: flex-start;
  gap: 1rem;
  background: var(--green-soft);
  border: 1px solid #a8d9c5;
  border-left: 4px solid var(--green);
  border-radius: var(--radius);
  padding: 1.25rem 1.4rem;
  margin-bottom: 2rem;
}
.info-banner__icon {
  flex-shrink: 0;
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: #fff;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--green);
  border: 1.5px solid #a8d9c5;
}
.info-banner__icon svg { width: 18px; height: 18px; }
.info-banner__title {
  font-size: .9rem;
  font-weight: 700;
  color: var(--green);
  margin-bottom: .35rem;
}
.info-banner__text {
  font-size: .875rem;
  color: #1a4a38;
  line-height: 1.65;
  margin: 0;
}
.info-banner__text strong { color: #0f3327; }

/* ============================================================
   FAQ
   ============================================================ */
.faq-list {
  display: flex;
  flex-direction: column;
  gap: .75rem;
  max-width: 800px;
}
.faq-item {
  background: var(--bg);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  overflow: hidden;
  transition: box-shadow .2s;
}
.faq-item[open] {
  box-shadow: var(--shadow-sm);
  border-color: #c5d6f5;
}
.faq-item summary {
  list-style: none;
  padding: 1.1rem 1.25rem;
  font-weight: 600;
  font-size: .95rem;
  color: var(--navy);
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  user-select: none;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
  content: '+';
  font-size: 1.3rem;
  font-weight: 400;
  color: var(--blue);
  flex-shrink: 0;
  transition: transform .2s;
}
.faq-item[open] summary::after {
  transform: rotate(45deg);
}
.faq-item p {
  padding: 0 1.25rem 1.1rem;
  font-size: .9rem;
  color: var(--text-2);
  line-height: 1.7;
  margin: 0;
}
.faq-item strong { color: var(--navy); }
.faq-item a { color: var(--blue); font-weight: 500; }

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (max-width: 900px) {
  .stat-grid { grid-template-columns: repeat(2, 1fr); }
  .guide-grid { grid-template-columns: repeat(2, 1fr); }
  .contact-grid { grid-template-columns: repeat(2, 1fr); }
  .hero-inner { grid-template-columns: 1fr; }
  .hero-visual { display: none; }
}

@media (max-width: 640px) {
  .nav-menu {
    display: none;
    position: absolute;
    top: 64px;
    left: 0;
    right: 0;
    background: var(--navy-dark);
    flex-direction: column;
    align-items: stretch;
    padding: .75rem 1rem 1rem;
    border-top: 1px solid rgba(255,255,255,.08);
    gap: .1rem;
  }
  .nav-menu.open { display: flex; }
  .nav-menu a { padding: .65rem .9rem; font-size: .9rem; }
  .nav-toggle { display: flex; }
  .navbar { position: relative; }
  .stat-grid { grid-template-columns: 1fr; }
  .guide-grid { grid-template-columns: 1fr; }
  .warn-list { grid-template-columns: 1fr; }
  .contact-grid { grid-template-columns: 1fr; }
  .bddk-grid { grid-template-columns: 1fr; }
}