/* ==========================================================================
   SpotCash — Premium Design System v4
   Themes: midnight (default) · light · gold · royal  (+ "system" follows OS)
   ========================================================================== */

/* ---------- Theme tokens ---------- */
:root,
:root[data-theme="midnight"]{
  --bg:#060b17; --bg-2:#0a1224; --surface:rgba(255,255,255,.035); --surface-2:rgba(255,255,255,.06);
  --solid:#0d1630; --line:rgba(255,255,255,.08); --line-2:rgba(255,255,255,.14);
  --ink:#eef3ff; --ink-2:#b4c0dc; --ink-3:#7f8bab;
  --accent:#2ee6a6; --accent-2:#5ab8ff; --accent-ink:#04140e; --accent-soft:rgba(46,230,166,.12);
  --glow-1:rgba(46,230,166,.22); --glow-2:rgba(90,184,255,.20); --glow-3:rgba(140,110,255,.16);
  --shadow:0 30px 80px -30px rgba(0,0,0,.65); --shadow-sm:0 8px 30px -12px rgba(0,0,0,.5);
  --card-a:#111c3d; --card-b:#1d2f66; --danger:#ff7a8a; --warn:#ffc46b;
  color-scheme:dark;
}
:root[data-theme="light"]{
  --bg:#f6f8fc; --bg-2:#eef2f9; --surface:#ffffff; --surface-2:#f2f5fb;
  --solid:#ffffff; --line:rgba(12,24,54,.09); --line-2:rgba(12,24,54,.16);
  --ink:#0b1630; --ink-2:#3c4a6b; --ink-3:#6a7593;
  --accent:#07a573; --accent-2:#2563eb; --accent-ink:#ffffff; --accent-soft:rgba(7,165,115,.10);
  --glow-1:rgba(7,165,115,.16); --glow-2:rgba(37,99,235,.13); --glow-3:rgba(124,58,237,.08);
  --shadow:0 30px 70px -35px rgba(15,30,70,.35); --shadow-sm:0 8px 26px -14px rgba(15,30,70,.3);
  --card-a:#0f1f4a; --card-b:#1f3f8f; --danger:#d63a4f; --warn:#b7791f;
  color-scheme:light;
}
:root[data-theme="gold"]{
  --bg:#0a0907; --bg-2:#12100c; --surface:rgba(255,236,200,.035); --surface-2:rgba(255,236,200,.06);
  --solid:#16130e; --line:rgba(232,200,140,.12); --line-2:rgba(232,200,140,.22);
  --ink:#f6efe2; --ink-2:#cbbfa6; --ink-3:#958a73;
  --accent:#e2b866; --accent-2:#f3d9a0; --accent-ink:#1a1306; --accent-soft:rgba(226,184,102,.12);
  --glow-1:rgba(226,184,102,.20); --glow-2:rgba(180,120,60,.16); --glow-3:rgba(255,220,160,.08);
  --shadow:0 30px 80px -30px rgba(0,0,0,.8); --shadow-sm:0 8px 30px -12px rgba(0,0,0,.6);
  --card-a:#1b160d; --card-b:#3a2c14; --danger:#ff8f7a; --warn:#f3c56b;
  color-scheme:dark;
}
:root[data-theme="royal"]{
  --bg:#0b0a1c; --bg-2:#110f28; --surface:rgba(255,255,255,.035); --surface-2:rgba(255,255,255,.06);
  --solid:#161339; --line:rgba(190,180,255,.10); --line-2:rgba(190,180,255,.18);
  --ink:#f1efff; --ink-2:#bdb8e0; --ink-3:#8681b0;
  --accent:#a593ff; --accent-2:#ff8fd0; --accent-ink:#120b33; --accent-soft:rgba(165,147,255,.13);
  --glow-1:rgba(165,147,255,.24); --glow-2:rgba(255,143,208,.14); --glow-3:rgba(90,184,255,.12);
  --shadow:0 30px 80px -30px rgba(0,0,0,.7); --shadow-sm:0 8px 30px -12px rgba(0,0,0,.55);
  --card-a:#1e1850; --card-b:#3b2a8a; --danger:#ff8fa3; --warn:#ffd27a;
  color-scheme:dark;
}

/* ---------- Base ---------- */
:root{
  --font:"Plus Jakarta Sans","Noto Sans Devanagari",system-ui,-apple-system,"Segoe UI",sans-serif;
  --display:"Sora","Noto Sans Devanagari",system-ui,sans-serif;
  --serif:"Instrument Serif",Georgia,serif;
  --mono:"JetBrains Mono",ui-monospace,monospace;
  --r:18px; --r-lg:28px; --r-sm:12px;
  --wrap:1200px; --ease:cubic-bezier(.2,.8,.2,1);
  --header-h:72px;
}
*,*::before,*::after{box-sizing:border-box}
html{overflow-x:clip;scroll-behavior:smooth;-webkit-text-size-adjust:100%;scroll-padding-top:calc(var(--header-h) + 20px)}
body{margin:0;background:var(--bg);color:var(--ink);font-family:var(--font);font-size:16px;line-height:1.65;
  -webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility;overflow-x:hidden;overflow-x:clip;transition:background .5s var(--ease),color .5s var(--ease)}
html[lang^="hi"] body,html[lang^="mr"] body{line-height:1.8}
img,svg{display:block;max-width:100%}
a{color:inherit;text-decoration:none}
button,input,select,textarea{font:inherit;color:inherit}
::selection{background:var(--accent);color:var(--accent-ink)}
:focus-visible{outline:2px solid var(--accent);outline-offset:3px;border-radius:8px}
.wrap{width:100%;max-width:var(--wrap);margin:0 auto;padding:0 20px}
.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.skip{position:absolute;left:-999px;top:10px;z-index:999;background:var(--accent);color:var(--accent-ink);padding:10px 16px;border-radius:10px;font-weight:700}
.skip:focus{left:10px}
.ico{width:1.15em;height:1.15em;flex:none;stroke:currentColor;fill:none;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}

/* ---------- Ambient background ---------- */
.ambient{position:fixed;inset:0;z-index:-1;pointer-events:none;overflow:hidden}
.ambient::before{content:"";position:absolute;inset:0;
  background-image:linear-gradient(var(--line) 1px,transparent 1px),linear-gradient(90deg,var(--line) 1px,transparent 1px);
  background-size:64px 64px;mask-image:radial-gradient(ellipse 80% 60% at 50% 0%,#000 30%,transparent 75%);opacity:.55}
.orb{position:absolute;border-radius:50%;filter:blur(80px);opacity:.9;will-change:transform}
.orb.o1{width:52vw;height:52vw;max-width:720px;max-height:720px;background:var(--glow-1);top:-18%;left:-10%;animation:drift1 22s ease-in-out infinite}
.orb.o2{width:46vw;height:46vw;max-width:640px;max-height:640px;background:var(--glow-2);top:-10%;right:-12%;animation:drift2 26s ease-in-out infinite}
.orb.o3{width:40vw;height:40vw;max-width:560px;max-height:560px;background:var(--glow-3);top:45%;left:30%;animation:drift3 30s ease-in-out infinite}
@keyframes drift1{50%{transform:translate(8vw,6vh) scale(1.1)}}
@keyframes drift2{50%{transform:translate(-6vw,10vh) scale(.92)}}
@keyframes drift3{50%{transform:translate(-10vw,-8vh) scale(1.15)}}
.noise{position:fixed;inset:0;z-index:-1;pointer-events:none;opacity:.035;
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='160' height='160'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='.9' numOctaves='2'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)'/%3E%3C/svg%3E")}
:root[data-theme="light"] .noise{opacity:.025}

/* ---------- Scroll progress ---------- */
.progress{position:fixed;top:0;left:0;height:2px;width:100%;z-index:200;transform-origin:0 50%;transform:scaleX(0);
  background:linear-gradient(90deg,var(--accent),var(--accent-2))}

/* ---------- Announcement ---------- */
.announce{position:relative;z-index:60;font-size:13px;color:var(--ink-2);border-bottom:1px solid var(--line);background:var(--bg-2)}
.announce .wrap{display:flex;align-items:center;justify-content:center;gap:10px;min-height:38px;text-align:center}
.announce strong{color:var(--ink)}
.dot-live{width:8px;height:8px;border-radius:50%;background:var(--accent);box-shadow:0 0 0 0 var(--accent);animation:ping 2s infinite;flex:none}
@keyframes ping{0%{box-shadow:0 0 0 0 var(--glow-1)}70%{box-shadow:0 0 0 10px transparent}100%{box-shadow:0 0 0 0 transparent}}

/* ---------- Header ---------- */
.header{position:sticky;top:0;z-index:100;height:var(--header-h);transition:background .3s,border-color .3s,backdrop-filter .3s;border-bottom:1px solid transparent}
.header.scrolled{background:color-mix(in srgb,var(--bg) 78%,transparent);backdrop-filter:saturate(160%) blur(18px);-webkit-backdrop-filter:saturate(160%) blur(18px);border-color:var(--line)}
.header .wrap{height:100%;display:flex;align-items:center;gap:18px}
.brand{display:flex;align-items:center;gap:10px;font-family:var(--display);font-weight:700;font-size:20px;letter-spacing:-.02em;flex:none}
.logo{height:42px;width:auto;display:block}
@media (max-width:640px){.logo{height:36px}}
.footer .logo{height:40px}
.logo-d{display:none}
:root:not([data-theme="light"]) .logo-l{display:none}
:root:not([data-theme="light"]) .logo-d{display:block}
.brand-mark{width:36px;height:36px;border-radius:11px;display:grid;place-items:center;
  background:conic-gradient(from 210deg,var(--accent),var(--accent-2),var(--accent));color:var(--accent-ink);box-shadow:0 8px 24px -8px var(--glow-1)}
.brand-mark svg{width:20px;height:20px;stroke:currentColor;stroke-width:2.4;fill:none}
.brand small{display:block;font-family:var(--font);font-weight:500;font-size:10.5px;letter-spacing:.08em;text-transform:uppercase;color:var(--ink-3);margin-top:-3px}
.nav{display:flex;align-items:center;gap:2px;margin-left:auto}
.nav>li{list-style:none;position:relative}
.nav{padding:0;margin-top:0;margin-bottom:0}
.nav a.nl,.nav button.nl{display:flex;align-items:center;gap:6px;padding:9px 13px;border-radius:10px;font-size:14.5px;font-weight:500;color:var(--ink-2);background:none;border:0;cursor:pointer;transition:color .2s,background .2s}
.nav a.nl:hover,.nav button.nl:hover,.nav .on>.nl,.nav a.nl[aria-current="page"]{color:var(--ink);background:var(--surface-2)}
.nav .chev{width:12px;height:12px;transition:transform .25s}
.nav li:hover .chev,.nav li:focus-within .chev{transform:rotate(180deg)}
.drop{position:absolute;top:calc(100% + 10px);left:-10px;min-width:280px;padding:8px;border-radius:18px;background:var(--solid);border:1px solid var(--line-2);box-shadow:var(--shadow);
  opacity:0;visibility:hidden;transform:translateY(8px) scale(.98);transition:.25s var(--ease)}
.drop::before{content:"";position:absolute;top:-12px;left:0;right:0;height:12px}
.nav li:hover>.drop,.nav li:focus-within>.drop{opacity:1;visibility:visible;transform:none}
.drop a{display:flex;gap:12px;align-items:flex-start;padding:10px 12px;border-radius:12px;transition:background .2s}
.drop a:hover{background:var(--surface-2)}
.drop .di{width:34px;height:34px;border-radius:10px;display:grid;place-items:center;background:var(--accent-soft);color:var(--accent);flex:none}
.drop b{display:block;font-size:14px;font-weight:600}
.drop span{display:block;font-size:12.5px;color:var(--ink-3);line-height:1.4}
.h-actions{display:flex;align-items:center;gap:8px;flex:none}
.icon-btn{width:40px;height:40px;border-radius:12px;display:grid;place-items:center;background:var(--surface);border:1px solid var(--line);cursor:pointer;color:var(--ink-2);transition:.2s}
.icon-btn:hover{color:var(--ink);border-color:var(--line-2);background:var(--surface-2)}
.pop{position:relative}
.pop-panel{position:absolute;right:0;top:calc(100% + 10px);min-width:220px;padding:8px;border-radius:16px;background:var(--solid);border:1px solid var(--line-2);box-shadow:var(--shadow);
  opacity:0;visibility:hidden;transform:translateY(6px);transition:.22s var(--ease);z-index:120}
.pop.open .pop-panel{opacity:1;visibility:visible;transform:none}
.pop-panel .pt{font-size:11px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--ink-3);padding:6px 10px 8px}
.opt{display:flex;align-items:center;gap:10px;width:100%;padding:9px 10px;border-radius:10px;background:none;border:0;cursor:pointer;font-size:14px;text-align:left;color:var(--ink-2)}
.opt:hover{background:var(--surface-2);color:var(--ink)}
.opt[aria-checked="true"],.opt[aria-current="true"]{color:var(--ink);background:var(--accent-soft)}
.opt .sw{width:22px;height:22px;border-radius:7px;border:1px solid var(--line-2);flex:none}
.opt .tick{margin-left:auto;opacity:0;color:var(--accent)}
.opt[aria-checked="true"] .tick,.opt[aria-current="true"] .tick{opacity:1}
.lang-btn{width:auto;padding:0 12px;gap:6px;display:flex;font-size:13px;font-weight:600}
.burger{display:none}

/* ---------- Buttons ---------- */
.btn{--bh:48px;display:inline-flex;align-items:center;justify-content:center;gap:9px;height:var(--bh);padding:0 22px;border-radius:14px;font-weight:600;font-size:15px;
  border:1px solid transparent;cursor:pointer;white-space:nowrap;transition:transform .25s var(--ease),box-shadow .25s,background .25s,border-color .25s;position:relative;isolation:isolate;overflow:hidden}
.btn-sm{--bh:40px;padding:0 16px;font-size:14px;border-radius:12px}
.btn-lg{--bh:56px;padding:0 28px;font-size:16px;border-radius:16px}
.btn-primary{background:linear-gradient(135deg,var(--accent),color-mix(in srgb,var(--accent) 70%,var(--accent-2)));color:var(--accent-ink);box-shadow:0 12px 32px -12px var(--glow-1),inset 0 1px 0 rgba(255,255,255,.3)}
.btn-primary::after{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(110deg,transparent 30%,rgba(255,255,255,.45) 50%,transparent 70%);transform:translateX(-120%);transition:transform .8s var(--ease)}
.btn-primary:hover::after{transform:translateX(120%)}
.btn-primary:hover{transform:translateY(-2px);box-shadow:0 18px 40px -14px var(--glow-1)}
.btn-ghost{background:var(--surface);border-color:var(--line-2);color:var(--ink)}
.btn-ghost:hover{background:var(--surface-2);transform:translateY(-2px)}
.btn-wa{background:#1fae5b;color:#fff}
.btn-wa:hover{transform:translateY(-2px);box-shadow:0 14px 32px -14px rgba(31,174,91,.7)}
.link-arrow{display:inline-flex;align-items:center;gap:6px;color:var(--accent);font-weight:600;font-size:14.5px}
.link-arrow .ico{transition:transform .25s}
.link-arrow:hover .ico{transform:translateX(4px)}

/* ---------- Type ---------- */
h1,h2,h3,h4{font-family:var(--display);letter-spacing:-.025em;line-height:1.12;margin:0;font-weight:700}
html[lang^="hi"] h1,html[lang^="hi"] h2,html[lang^="hi"] h3,html[lang^="mr"] h1,html[lang^="mr"] h2,html[lang^="mr"] h3{letter-spacing:0;line-height:1.3}
.serif{font-family:var(--serif);font-weight:400;font-style:italic;letter-spacing:-.01em}
.grad{background:linear-gradient(100deg,var(--accent) 10%,var(--accent-2) 90%);-webkit-background-clip:text;background-clip:text;color:transparent}
.eyebrow{display:inline-flex;align-items:center;gap:8px;padding:6px 14px 6px 8px;border-radius:999px;font-size:12.5px;font-weight:600;letter-spacing:.02em;color:var(--ink-2);background:var(--surface);border:1px solid var(--line)}
.eyebrow i{width:20px;height:20px;border-radius:50%;display:grid;place-items:center;background:var(--accent-soft);color:var(--accent);font-style:normal}
.eyebrow i .ico{width:12px;height:12px}
.sec{padding:clamp(72px,10vw,128px) 0;position:relative}
.sec-tight{padding:clamp(48px,7vw,80px) 0}
.sec-head{max-width:720px;margin:0 auto clamp(40px,6vw,64px);text-align:center}
.sec-head.left{margin-left:0;text-align:left}
.sec-head h2{font-size:clamp(30px,4.6vw,52px);margin:18px 0 16px}
.sec-head p{color:var(--ink-2);font-size:clamp(16px,1.6vw,18px);margin:0}
.lead{font-size:clamp(17px,1.8vw,20px);color:var(--ink-2)}
.muted{color:var(--ink-3)}

/* ---------- Hero (home) ---------- */
.hero{padding:clamp(48px,7vw,96px) 0 clamp(64px,8vw,110px);position:relative}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:clamp(32px,5vw,72px);align-items:center}
.hero h1{font-size:clamp(40px,5.4vw,74px);line-height:1.04;margin:22px 0 22px;letter-spacing:-.04em}
html[lang^="hi"] .hero h1,html[lang^="mr"] .hero h1{font-size:clamp(34px,5.4vw,66px);line-height:1.22}
.hero h1 .serif{font-size:1.06em}
.hero .lead{max-width:560px;margin:0 0 30px}
.hero-ctas{display:flex;flex-wrap:wrap;gap:12px;margin-bottom:34px}
.trust{display:flex;flex-wrap:wrap;gap:10px 22px;color:var(--ink-3);font-size:13.5px}
.trust span{display:inline-flex;align-items:center;gap:7px}
.trust .ico{color:var(--accent)}
.rate-pill{display:inline-flex;align-items:center;gap:10px;padding:6px 6px 6px 14px;border-radius:999px;background:var(--surface);border:1px solid var(--line);font-size:13.5px;color:var(--ink-2)}
.rate-pill b{color:var(--ink)}
.rate-pill em{font-style:normal;padding:4px 10px;border-radius:999px;background:var(--accent);color:var(--accent-ink);font-weight:700;font-size:12px}

/* hero visual */
.stage{position:relative;aspect-ratio:1/1.02;max-width:560px;margin-left:auto;width:100%;perspective:1400px}
.stage-ring{position:absolute;inset:6%;border-radius:50%;border:1px dashed var(--line-2);animation:spin 60s linear infinite}
.stage-ring.r2{inset:18%;animation-duration:40s;animation-direction:reverse;border-style:solid;border-color:var(--line)}
.stage-ring::after{content:"";position:absolute;top:-5px;left:50%;width:10px;height:10px;border-radius:50%;background:var(--accent);box-shadow:0 0 16px var(--accent)}
@keyframes spin{to{transform:rotate(360deg)}}
.ccard{position:absolute;width:72%;aspect-ratio:1.586;border-radius:22px;padding:6% 7%;color:#fff;display:flex;flex-direction:column;justify-content:space-between;
  background:radial-gradient(120% 140% at 0% 0%,rgba(255,255,255,.22),transparent 45%),linear-gradient(135deg,var(--card-a),var(--card-b));
  box-shadow:0 40px 80px -30px rgba(0,0,0,.7),inset 0 1px 0 rgba(255,255,255,.25),inset 0 0 0 1px rgba(255,255,255,.08);transform-style:preserve-3d;transition:transform .2s ease-out}
.ccard::before{content:"";position:absolute;inset:0;border-radius:inherit;background:linear-gradient(115deg,transparent 35%,rgba(255,255,255,.18) 48%,transparent 60%);background-size:250% 100%;animation:sheen 6s ease-in-out infinite}
@keyframes sheen{0%,100%{background-position:120% 0}50%{background-position:-20% 0}}
.ccard.c1{top:11%;left:2%;z-index:3;animation:float1 7s ease-in-out infinite}
.ccard.c2{top:22%;left:24%;z-index:2;opacity:.55;filter:saturate(.6) blur(.4px);transform:rotate(8deg);animation:float2 8s ease-in-out infinite;
  background:linear-gradient(135deg,color-mix(in srgb,var(--accent) 55%,#000),color-mix(in srgb,var(--accent-2) 50%,#000))}
@keyframes float1{50%{transform:translateY(-12px) rotate(-2deg)}}
@keyframes float2{0%,100%{transform:rotate(8deg)}50%{transform:translateY(10px) rotate(6deg)}}
.cc-top{display:flex;justify-content:space-between;align-items:center;font-family:var(--display);font-weight:600;font-size:clamp(12px,1.4vw,15px);letter-spacing:.02em}
.chip{width:15%;aspect-ratio:1.3;border-radius:6px;background:linear-gradient(135deg,#f6d58b,#b8893a);position:relative;overflow:hidden}
.chip::after{content:"";position:absolute;inset:25% 0;border-top:1px solid rgba(0,0,0,.25);border-bottom:1px solid rgba(0,0,0,.25)}
.cc-num{font-family:var(--mono);font-size:clamp(13px,1.8vw,19px);letter-spacing:.14em;opacity:.92}
.cc-bot{display:flex;justify-content:space-between;align-items:flex-end;font-size:clamp(10px,1.1vw,12px);opacity:.85;text-transform:uppercase;letter-spacing:.1em}
.cc-net{display:flex}
.cc-net i{width:clamp(20px,2.6vw,30px);aspect-ratio:1;border-radius:50%;background:#eb001b;opacity:.9}
.cc-net i+i{background:#f79e1b;margin-left:-10px;mix-blend-mode:screen}
.flow{position:absolute;left:14%;right:10%;bottom:8%;z-index:4;padding:18px;border-radius:22px;background:color-mix(in srgb,var(--solid) 88%,transparent);backdrop-filter:blur(16px);-webkit-backdrop-filter:blur(16px);border:1px solid var(--line-2);box-shadow:var(--shadow)}
.flow-row{display:flex;align-items:center;justify-content:space-between;gap:12px;font-size:13px;color:var(--ink-2)}
.flow-amt{font-family:var(--display);font-size:clamp(22px,2.8vw,30px);font-weight:700;color:var(--ink);letter-spacing:-.02em}
.flow-track{height:8px;border-radius:99px;background:var(--surface-2);margin:14px 0 12px;overflow:hidden;position:relative}
.flow-track i{position:absolute;inset:0;transform-origin:0 50%;background:linear-gradient(90deg,var(--accent),var(--accent-2));animation:fill 4.5s var(--ease) infinite}
@keyframes fill{0%{transform:scaleX(0)}55%,100%{transform:scaleX(1)}}
.flow-steps{display:flex;justify-content:space-between;font-size:11.5px;color:var(--ink-3)}
.flow-steps span{display:flex;align-items:center;gap:5px}
.flow-steps span::before{content:"";width:6px;height:6px;border-radius:50%;background:var(--accent)}
.toast{position:absolute;right:-2%;top:-1%;z-index:5;display:flex;gap:10px;align-items:center;padding:11px 14px;border-radius:16px;background:var(--solid);border:1px solid var(--line-2);box-shadow:var(--shadow-sm);font-size:12.5px;animation:pop 4.5s var(--ease) infinite}
.toast .ti{width:32px;height:32px;border-radius:10px;display:grid;place-items:center;background:var(--accent-soft);color:var(--accent)}
.toast b{display:block;color:var(--ink);font-size:13px}
.toast span{color:var(--ink-3)}
@keyframes pop{0%,45%{opacity:0;transform:translateY(10px) scale(.96)}55%,92%{opacity:1;transform:none}100%{opacity:0}}
.badge-float{position:absolute;left:-2%;bottom:36%;z-index:5;padding:10px 14px;border-radius:14px;background:var(--solid);border:1px solid var(--line-2);box-shadow:var(--shadow-sm);font-size:12.5px;display:flex;gap:8px;align-items:center;animation:float1 9s ease-in-out infinite}
.badge-float .ico{color:var(--accent)}

/* ---------- Marquee ---------- */
.marquee{border-block:1px solid var(--line);padding:22px 0;overflow:hidden;mask-image:linear-gradient(90deg,transparent,#000 12%,#000 88%,transparent)}
.marquee-track{display:flex;gap:44px;width:max-content;animation:marq 38s linear infinite}
.marquee:hover .marquee-track{animation-play-state:paused}
.marquee span{font-family:var(--display);font-weight:600;font-size:clamp(16px,2vw,21px);color:var(--ink-3);white-space:nowrap;display:flex;align-items:center;gap:44px;letter-spacing:-.01em}
.marquee span::after{content:"✦";font-size:12px;color:var(--accent);opacity:.7}
@keyframes marq{to{transform:translateX(-50%)}}

/* ---------- Cards ---------- */
.grid{display:grid;gap:20px}
.g2{grid-template-columns:repeat(2,1fr)}.g3{grid-template-columns:repeat(3,1fr)}.g4{grid-template-columns:repeat(4,1fr)}
.card{position:relative;padding:28px;border-radius:var(--r-lg);background:var(--surface);border:1px solid var(--line);overflow:hidden;isolation:isolate;
  transition:transform .4s var(--ease),border-color .3s,box-shadow .4s}
:root[data-theme="light"] .card{box-shadow:0 1px 0 rgba(255,255,255,.8) inset,0 10px 30px -22px rgba(15,30,70,.35)}
.card::before{content:"";position:absolute;inset:0;z-index:-1;opacity:0;transition:opacity .4s;
  background:radial-gradient(420px circle at var(--mx,50%) var(--my,0%),var(--accent-soft),transparent 60%)}
.card:hover{transform:translateY(-6px);border-color:var(--line-2);box-shadow:var(--shadow)}
.card:hover::before{opacity:1}
.card h3{font-size:20px;margin:18px 0 10px}
.card p{color:var(--ink-2);margin:0 0 14px;font-size:15px}
.ci{width:52px;height:52px;border-radius:16px;display:grid;place-items:center;background:linear-gradient(135deg,var(--accent-soft),transparent);border:1px solid var(--line-2);color:var(--accent)}
.ci .ico{width:24px;height:24px}
.ticks{list-style:none;padding:0;margin:0 0 18px;display:grid;gap:8px}
.ticks li{display:flex;gap:10px;align-items:flex-start;font-size:14.5px;color:var(--ink-2)}
.ticks li .ico{color:var(--accent);margin-top:4px;width:15px;height:15px}
.tag{display:inline-flex;align-items:center;padding:5px 11px;border-radius:999px;font-size:12px;font-weight:600;background:var(--accent-soft);color:var(--accent);border:1px solid color-mix(in srgb,var(--accent) 30%,transparent)}
.card.feature{grid-column:1/-1;display:grid;grid-template-columns:1.2fr 1fr;gap:28px;align-items:center;
  background:linear-gradient(135deg,var(--accent-soft),transparent 60%),var(--surface)}
.card.feature h3{font-size:clamp(24px,3vw,32px)}

/* ---------- Steps ---------- */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;position:relative;counter-reset:s}
.steps::before{content:"";position:absolute;top:34px;left:12%;right:12%;height:2px;background:linear-gradient(90deg,var(--line-2),var(--accent),var(--line-2));opacity:.6;transform-origin:0 50%;transform:scaleX(var(--p,0));transition:transform 1.4s var(--ease)}
.steps.in::before{--p:1}
.step{position:relative;text-align:center;padding:0 8px}
.step-n{width:68px;height:68px;margin:0 auto 20px;border-radius:22px;display:grid;place-items:center;font-family:var(--display);font-weight:700;font-size:22px;
  background:var(--solid);border:1px solid var(--line-2);color:var(--accent);box-shadow:0 0 0 8px var(--bg),var(--shadow-sm);position:relative}
.step h3{font-size:18px;margin-bottom:8px}
.step p{color:var(--ink-2);font-size:14.5px;margin:0}
.step .time{display:inline-block;margin-top:12px;font-size:12px;font-family:var(--mono);color:var(--ink-3)}

/* ---------- Stats ---------- */
.stats{display:grid;grid-template-columns:repeat(4,1fr);border:1px solid var(--line);border-radius:var(--r-lg);background:var(--surface);overflow:hidden}
.stat{padding:30px 24px;text-align:center;border-right:1px solid var(--line)}
.stat:last-child{border-right:0}
.stat b{display:block;font-family:var(--display);font-size:clamp(30px,4vw,46px);letter-spacing:-.03em;line-height:1.1}
.stat span{color:var(--ink-3);font-size:14px}

/* ---------- Live rate box (home) ---------- */
.ratebox{display:grid;grid-template-columns:1fr 1.1fr;gap:0;border-radius:var(--r-lg);border:1px solid var(--line-2);overflow:hidden;background:var(--surface);box-shadow:var(--shadow)}
.ratebox-l{padding:clamp(28px,4vw,48px);background:linear-gradient(160deg,var(--accent-soft),transparent 70%)}
.ratebox-l h2{font-size:clamp(28px,3.6vw,42px);margin:16px 0 14px}
.ratebox-r{padding:clamp(28px,4vw,48px);border-left:1px solid var(--line)}
.big-rate{font-family:var(--display);font-size:clamp(64px,9vw,112px);font-weight:800;letter-spacing:-.05em;line-height:1}
.big-rate small{font-size:.4em;color:var(--ink-3);font-weight:600}
.field{display:grid;gap:8px;margin-bottom:18px}
.field label{font-size:13px;font-weight:600;color:var(--ink-2)}
.input,.select,textarea.input{width:100%;height:52px;padding:0 16px;border-radius:14px;background:var(--bg-2);border:1px solid var(--line-2);outline:none;transition:border-color .2s,box-shadow .2s}
textarea.input{height:auto;min-height:130px;padding:14px 16px;resize:vertical}
.input:focus,.select:focus{border-color:var(--accent);box-shadow:0 0 0 4px var(--accent-soft)}
.input.error{border-color:var(--danger)}
.ferr{display:none;font-size:12.5px;color:var(--danger)}
.ferr.show{display:block}
.range{width:100%;accent-color:var(--accent)}
.result{display:flex;justify-content:space-between;align-items:flex-end;padding:18px 0;border-top:1px dashed var(--line-2);margin-top:6px}
.result b{font-family:var(--display);font-size:clamp(28px,3.4vw,38px);letter-spacing:-.03em;color:var(--accent)}
.kv{display:flex;justify-content:space-between;font-size:14px;color:var(--ink-2);padding:6px 0}
.kv span:last-child{color:var(--ink);font-weight:600}

/* ---------- Compare table ---------- */
.table-wrap{overflow-x:auto;border-radius:var(--r-lg);border:1px solid var(--line);background:var(--surface)}
table.cmp{width:100%;border-collapse:collapse;min-width:640px;font-size:14.5px}
.cmp th,.cmp td{padding:16px 20px;text-align:left;border-bottom:1px solid var(--line)}
.cmp thead th{font-family:var(--display);font-size:14px;color:var(--ink-2);background:var(--surface-2)}
.cmp thead th.hl{color:var(--accent)}
.cmp td.hl{background:var(--accent-soft);color:var(--ink);font-weight:600}
.cmp tr:last-child td{border-bottom:0}
.cmp td:first-child{color:var(--ink-2);font-weight:500}
.yes{color:var(--accent)}.no{color:var(--ink-3)}

/* ---------- FAQ ---------- */
.faq{max-width:860px;margin:0 auto;display:grid;gap:12px}
.faq details{border:1px solid var(--line);border-radius:18px;background:var(--surface);transition:border-color .3s,background .3s}
.faq details[open]{border-color:var(--line-2);background:var(--surface-2)}
.faq summary{list-style:none;cursor:pointer;padding:20px 22px;display:flex;justify-content:space-between;gap:16px;align-items:center;font-weight:600;font-size:16px}
.faq summary::-webkit-details-marker{display:none}
.faq summary .pm{width:30px;height:30px;border-radius:10px;display:grid;place-items:center;background:var(--accent-soft);color:var(--accent);flex:none;transition:transform .35s var(--ease)}
.faq details[open] summary .pm{transform:rotate(45deg)}
.faq .ans{padding:0 22px 20px;color:var(--ink-2);font-size:15px}
.faq .ans p{margin:0 0 10px}
.faq .ans a{color:var(--accent);font-weight:600}
.faq-cats{display:flex;flex-wrap:wrap;gap:8px;justify-content:center;margin-bottom:26px}
.chipbtn{padding:9px 16px;border-radius:999px;border:1px solid var(--line-2);background:var(--surface);cursor:pointer;font-size:14px;font-weight:500;color:var(--ink-2);transition:.2s}
.chipbtn:hover{color:var(--ink)}
.chipbtn.on{background:var(--accent);color:var(--accent-ink);border-color:var(--accent)}
.search{position:relative;max-width:520px;margin:0 auto 22px}
.search .ico{position:absolute;left:16px;top:50%;transform:translateY(-50%);color:var(--ink-3)}
.search .input{padding-left:46px;border-radius:999px}
.faq-group{margin-bottom:34px}
.faq-group>h2{font-size:22px;max-width:860px;margin:0 auto 14px}
.empty{display:none;text-align:center;color:var(--ink-3);padding:24px}

/* ---------- Timeline ---------- */
.tl{position:relative;max-width:900px;margin:0 auto}
.tl::before{content:"";position:absolute;left:23px;top:8px;bottom:8px;width:2px;background:linear-gradient(var(--accent),var(--line-2))}
.tl-item{position:relative;padding:0 0 38px 70px}
.tl-dot{position:absolute;left:8px;top:4px;width:32px;height:32px;border-radius:50%;background:var(--bg);border:2px solid var(--accent);display:grid;place-items:center}
.tl-dot::after{content:"";width:10px;height:10px;border-radius:50%;background:var(--accent)}
.tl-item .yr{font-family:var(--mono);font-size:12.5px;color:var(--accent);letter-spacing:.06em}
.tl-item h3{font-size:20px;margin:6px 0 8px}
.tl-item p{color:var(--ink-2);margin:0}

/* ---------- Page hero ---------- */
.phero{padding:clamp(56px,8vw,104px) 0 clamp(40px,6vw,72px);text-align:center;position:relative}
.phero h1{font-size:clamp(36px,6vw,72px);margin:20px auto 18px;max-width:920px;letter-spacing:-.04em}
html[lang^="hi"] .phero h1,html[lang^="mr"] .phero h1{font-size:clamp(32px,5vw,58px)}
.phero p{max-width:680px;margin:0 auto;color:var(--ink-2);font-size:clamp(16px,1.8vw,19px)}
.crumbs{display:flex;justify-content:center;gap:8px;flex-wrap:wrap;font-size:13px;color:var(--ink-3);margin-top:26px;padding:0;list-style:none}
.crumbs li{display:flex;gap:8px;align-items:center}
.crumbs li+li::before{content:"/";opacity:.5}
.crumbs a:hover{color:var(--accent)}
.chips-row{display:flex;flex-wrap:wrap;justify-content:center;gap:10px;margin-top:28px}
.chips-row span{display:inline-flex;gap:8px;align-items:center;padding:8px 14px;border-radius:999px;border:1px solid var(--line);background:var(--surface);font-size:13.5px;color:var(--ink-2)}
.chips-row .ico{color:var(--accent)}

/* ---------- Split / about ---------- */
.split{display:grid;grid-template-columns:1fr 1fr;gap:clamp(32px,5vw,72px);align-items:center}
.split h2{font-size:clamp(30px,4vw,46px);margin:18px 0 18px}
.split p{color:var(--ink-2)}
.quote{position:relative;padding:clamp(28px,4vw,44px);border-radius:var(--r-lg);border:1px solid var(--line-2);background:linear-gradient(150deg,var(--accent-soft),transparent 60%),var(--surface)}
.quote blockquote{margin:0;font-family:var(--serif);font-style:italic;font-size:clamp(21px,2.4vw,28px);line-height:1.4;color:var(--ink)}
html[lang^="hi"] .serif,html[lang^="mr"] .serif{font-family:var(--display);font-style:normal;font-weight:700}
html[lang^="hi"] .quote blockquote,html[lang^="mr"] .quote blockquote{font-family:var(--font);font-style:normal;font-size:clamp(18px,2vw,22px)}
.quote .who{display:flex;gap:14px;align-items:center;margin-top:26px}
.avatar{width:52px;height:52px;border-radius:16px;display:grid;place-items:center;font-family:var(--display);font-weight:700;background:linear-gradient(135deg,var(--accent),var(--accent-2));color:var(--accent-ink)}
.who b{display:block}
.who span{font-size:13.5px;color:var(--ink-3)}
.office{padding:28px;border-radius:var(--r-lg);border:1px solid var(--line);background:var(--surface)}
.office-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:12px;margin-top:20px}
.office-grid div{padding:18px;border-radius:16px;background:var(--surface-2);border:1px solid var(--line)}
.office-grid b{display:block;font-family:var(--display);font-size:26px}
.office-grid span{font-size:13px;color:var(--ink-3)}

/* ---------- CTA band ---------- */
.cta{position:relative;border-radius:36px;padding:clamp(40px,6vw,80px);overflow:hidden;text-align:center;border:1px solid var(--line-2);
  background:radial-gradient(80% 120% at 50% 0%,var(--glow-1),transparent 60%),radial-gradient(60% 100% at 100% 100%,var(--glow-2),transparent 60%),var(--solid)}
.cta::before{content:"";position:absolute;inset:0;background-image:linear-gradient(var(--line) 1px,transparent 1px),linear-gradient(90deg,var(--line) 1px,transparent 1px);background-size:44px 44px;mask-image:radial-gradient(ellipse at center,#000,transparent 70%);opacity:.6}
.cta>*{position:relative}
.cta h2{font-size:clamp(32px,5vw,60px);margin:18px auto 16px;max-width:820px}
.cta p{color:var(--ink-2);max-width:620px;margin:0 auto 30px;font-size:17px}
.cta .row{display:flex;flex-wrap:wrap;gap:12px;justify-content:center}
.cta .meta{display:flex;flex-wrap:wrap;gap:8px 22px;justify-content:center;margin-top:26px;font-size:13.5px;color:var(--ink-3)}
.cta .meta span{display:flex;gap:7px;align-items:center}

/* ---------- Contact ---------- */
.contact-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:24px;align-items:start}
.cinfo{display:grid;gap:14px}
.cinfo a,.cinfo div.ci-row{display:flex;gap:16px;align-items:center;padding:20px;border-radius:20px;border:1px solid var(--line);background:var(--surface);transition:.3s}
.cinfo a:hover{border-color:var(--line-2);transform:translateX(4px)}
.cinfo b{display:block;font-size:15px}
.cinfo span{font-size:14px;color:var(--ink-2)}
.form-card{padding:clamp(24px,4vw,40px);border-radius:var(--r-lg);border:1px solid var(--line-2);background:var(--surface);box-shadow:var(--shadow)}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.success{display:none;text-align:center;padding:30px 10px}
.success.show{display:block}
.success .ci{margin:0 auto 18px;width:64px;height:64px}
.map{border-radius:var(--r-lg);overflow:hidden;border:1px solid var(--line);min-height:320px;background:var(--surface)}
.map iframe{width:100%;height:100%;min-height:360px;border:0;display:block}
:root:not([data-theme="light"]) .map iframe{filter:invert(.9) hue-rotate(180deg) saturate(.7) brightness(.95)}

/* ---------- Blog ---------- */
.blog-tools{display:flex;flex-wrap:wrap;gap:12px;justify-content:space-between;align-items:center;margin-bottom:30px}
.blog-tools .search{margin:0;flex:1 1 280px;max-width:380px}
.post-card{display:flex;flex-direction:column;padding:0}
.post-card .thumb{aspect-ratio:16/9;position:relative;overflow:hidden;border-bottom:1px solid var(--line);
  background:radial-gradient(90% 120% at 0% 0%,var(--glow-1),transparent 60%),radial-gradient(90% 120% at 100% 100%,var(--glow-2),transparent 60%),var(--bg-2)}
.post-card .thumb svg.big{position:absolute;right:-6%;bottom:-14%;width:58%;height:auto;color:var(--accent);opacity:.18;stroke-width:1.2}
.post-card .thumb .tn{position:absolute;left:22px;top:22px}
.post-card .thumb .tt{position:absolute;left:22px;bottom:18px;right:22px;font-family:var(--display);font-weight:700;font-size:22px;letter-spacing:-.02em;line-height:1.2}
.post-card .body{padding:24px;display:flex;flex-direction:column;gap:10px;flex:1}
.post-card h3{font-size:19px;margin:0;line-height:1.3}
.post-card p{margin:0;font-size:14.5px}
.post-meta{display:flex;gap:14px;font-size:12.5px;color:var(--ink-3);margin-top:auto;padding-top:8px}
.post-meta span{display:flex;align-items:center;gap:6px}
.post-card.big{grid-column:1/-1;display:grid;grid-template-columns:1.1fr 1fr}
.post-card.big .thumb{aspect-ratio:auto;min-height:300px;border-bottom:0;border-right:1px solid var(--line)}
.post-card.big h3{font-size:clamp(22px,2.6vw,30px)}

.article-head{padding:clamp(48px,7vw,88px) 0 30px;text-align:center}
.article-head h1{font-size:clamp(32px,5vw,56px);max-width:900px;margin:18px auto 18px;letter-spacing:-.035em}
.article-head .sub{max-width:700px;margin:0 auto;color:var(--ink-2);font-size:18px}
.byline{display:flex;flex-wrap:wrap;justify-content:center;gap:10px 20px;margin-top:24px;font-size:13.5px;color:var(--ink-3)}
.byline span{display:flex;gap:7px;align-items:center}
.article-layout{display:grid;grid-template-columns:240px minmax(0,1fr);gap:56px;align-items:start;max-width:1060px;margin:0 auto}
.toc{position:sticky;top:calc(var(--header-h) + 24px);padding:20px;border-radius:20px;border:1px solid var(--line);background:var(--surface);font-size:14px}
.toc b{display:block;font-size:11.5px;letter-spacing:.12em;text-transform:uppercase;color:var(--ink-3);margin-bottom:10px}
.toc ol{margin:0;padding:0;list-style:none;display:grid;gap:4px;counter-reset:t}
.toc a{display:block;padding:6px 10px;border-radius:9px;color:var(--ink-2);border-left:2px solid transparent;line-height:1.4}
.toc a:hover,.toc a.on{color:var(--ink);background:var(--surface-2);border-left-color:var(--accent)}
.prose{font-size:17.5px;line-height:1.8;color:var(--ink-2)}
.prose>*:first-child{margin-top:0}
.prose h2{font-size:clamp(24px,2.8vw,32px);color:var(--ink);margin:2em 0 .6em}
.prose h3{font-size:21px;color:var(--ink);margin:1.6em 0 .5em}
.prose p{margin:0 0 1.15em}
.prose strong{color:var(--ink)}
.prose a{color:var(--accent);text-decoration:underline;text-underline-offset:3px;text-decoration-thickness:1px}
.prose ul,.prose ol{padding-left:1.3em;margin:0 0 1.2em}
.prose li{margin:.4em 0}
.prose li::marker{color:var(--accent)}
.prose table{width:100%;border-collapse:collapse;margin:1.4em 0;font-size:15px;display:block;overflow-x:auto}
.prose th,.prose td{border:1px solid var(--line-2);padding:12px 14px;text-align:left}
.prose th{background:var(--surface-2);color:var(--ink)}
.callout{display:flex;gap:14px;padding:18px 20px;border-radius:18px;border:1px solid color-mix(in srgb,var(--accent) 35%,transparent);background:var(--accent-soft);margin:1.6em 0;font-size:16px;color:var(--ink)}
.callout .ico{color:var(--accent);margin-top:5px}
.callout.warn{border-color:color-mix(in srgb,var(--warn) 40%,transparent);background:color-mix(in srgb,var(--warn) 10%,transparent)}
.callout.warn .ico{color:var(--warn)}
.callout p{margin:0}
.keypoints{padding:24px 26px;border-radius:22px;border:1px solid var(--line-2);background:var(--surface);margin:0 0 2em}
.keypoints b{display:block;font-family:var(--display);color:var(--ink);margin-bottom:10px}
.keypoints ul{margin:0}
.share{display:flex;gap:10px;flex-wrap:wrap;align-items:center;margin:40px 0 0;padding-top:28px;border-top:1px solid var(--line);font-size:14px;color:var(--ink-3)}
.author-box{display:flex;gap:18px;align-items:center;margin-top:30px;padding:22px;border-radius:22px;border:1px solid var(--line);background:var(--surface)}
.author-box p{margin:4px 0 0;font-size:14.5px;color:var(--ink-2)}

/* ---------- Legal ---------- */
.legal{display:grid;grid-template-columns:250px minmax(0,1fr);gap:48px;align-items:start}
.legal-toc-sidebar{position:sticky;top:calc(var(--header-h) + 24px);padding:20px;border-radius:20px;border:1px solid var(--line);background:var(--surface);font-size:14px}
.legal-toc-sidebar h4{font-size:11.5px;letter-spacing:.12em;text-transform:uppercase;color:var(--ink-3);margin-bottom:10px;font-family:var(--font)}
.legal-toc-sidebar ol{margin:0;padding-left:1.2em;display:grid;gap:6px;color:var(--ink-3)}
.legal-toc-sidebar a{color:var(--ink-2)}
.legal-toc-sidebar a:hover{color:var(--accent)}
.legal-main{padding:clamp(24px,4vw,48px);border-radius:var(--r-lg);border:1px solid var(--line);background:var(--surface)}
.legal-main .legal-intro{font-size:17px;color:var(--ink);padding-bottom:22px;border-bottom:1px solid var(--line);margin-bottom:10px}
.legal-section-block{padding:22px 0;border-bottom:1px solid var(--line)}
.legal-section-block:last-of-type{border-bottom:0}
.legal-section-block h2{display:flex;gap:12px;align-items:center;font-size:22px;color:var(--ink);margin:0 0 14px}
.legal-section-block h3{font-size:17px;color:var(--ink);margin:18px 0 8px}
.legal-section-num{width:34px;height:34px;border-radius:11px;display:grid;place-items:center;font-size:14px;background:var(--accent-soft);color:var(--accent);flex:none}
.legal-main p,.legal-main li{color:var(--ink-2);font-size:15.5px}
.legal-main ul,.legal-main ol{padding-left:1.25em}
.legal-main li{margin:6px 0}
.legal-main li::marker{color:var(--accent)}
.legal-main a{color:var(--accent)}
.legal-main strong{color:var(--ink)}
.legal-main table{width:100%;border-collapse:collapse;font-size:14.5px;margin:12px 0;display:block;overflow-x:auto}
.legal-main th,.legal-main td{border:1px solid var(--line-2);padding:10px 12px;text-align:left}
.legal-main th{background:var(--surface-2);color:var(--ink)}
.legal-warning,.legal-info,.legal-highlight,.legal-note{display:flex;gap:12px;padding:16px 18px;border-radius:16px;background:var(--accent-soft);border:1px solid color-mix(in srgb,var(--accent) 30%,transparent);margin:14px 0}
.legal-warning{background:color-mix(in srgb,var(--warn) 10%,transparent);border-color:color-mix(in srgb,var(--warn) 35%,transparent)}
.legal-warning p,.legal-info p,.legal-highlight p,.legal-note p{margin:0}
.legal-last-updated{margin-top:26px;font-size:13.5px;color:var(--ink-3);font-family:var(--mono)}
.legal-main i.fas,.legal-main i.fab{display:none}
.lang-note{max-width:var(--wrap);margin:0 auto 24px;padding:0 20px}
.lang-note div{padding:14px 18px;border-radius:14px;border:1px dashed var(--line-2);color:var(--ink-2);font-size:14px;text-align:center}

/* ---------- Live pricing (BankPricing engine classes) ---------- */
.rate-hero{max-width:720px;margin:0 auto 64px;padding:clamp(28px,4vw,48px);border-radius:var(--r-lg);text-align:center;border:1px solid var(--line-2);
  background:radial-gradient(80% 120% at 50% 0%,var(--accent-soft),transparent 70%),var(--surface);box-shadow:var(--shadow)}
.sc-loader{display:flex;align-items:center;justify-content:center;gap:8px;color:var(--ink-3);font-size:14px;padding:18px}
.sc-loader-dot{width:8px;height:8px;border-radius:50%;background:var(--accent);animation:bounce 1.2s infinite}
.sc-loader-dot:nth-child(2){animation-delay:.15s}.sc-loader-dot:nth-child(3){animation-delay:.3s}
@keyframes bounce{0%,80%,100%{transform:scale(.6);opacity:.4}40%{transform:none;opacity:1}}
.sc-dyn-hero-status{margin-bottom:14px}
.sc-status-on,.sc-status-off{display:inline-flex;padding:6px 14px;border-radius:999px;font-size:13px;font-weight:600;background:var(--accent-soft);color:var(--accent)}
.sc-status-off{background:color-mix(in srgb,var(--warn) 14%,transparent);color:var(--warn)}
.sc-dyn-hero-sub{color:var(--ink-2);font-size:15px}
.sc-dyn-hero-rate{font-family:var(--display);font-weight:800;font-size:clamp(72px,11vw,128px);letter-spacing:-.05em;line-height:1;margin:6px 0 10px;background:linear-gradient(100deg,var(--accent),var(--accent-2));-webkit-background-clip:text;background-clip:text;color:transparent}
.sc-dyn-hero-pct{font-size:.45em}
.sc-dyn-badges{display:flex;flex-wrap:wrap;gap:8px;justify-content:center;margin-top:20px}
.sc-dyn-badge{display:inline-flex;gap:7px;align-items:center;padding:7px 13px;border-radius:999px;font-size:12.5px;font-weight:600;border:1px solid var(--line-2);background:var(--surface-2);color:var(--ink-2)}
.sc-dyn-badge i{display:none}
.sc-dyn-badge::before{content:"";width:6px;height:6px;border-radius:50%;background:var(--accent)}
.sc-badge-blue::before{background:var(--accent-2)}.sc-badge-amber::before{background:var(--warn)}
.sp-speeds{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:18px;margin-bottom:20px}
.sp-speed{position:relative;padding:28px 24px;border-radius:var(--r-lg);border:1px solid var(--line);background:var(--surface);text-align:center;transition:transform .4s var(--ease),border-color .3s}
.sp-speed:hover{transform:translateY(-6px);border-color:var(--line-2)}
.sp-speed.best{border-color:var(--accent);box-shadow:0 0 0 4px var(--accent-soft),var(--shadow)}
.sp-speed em{position:absolute;top:-11px;left:50%;transform:translateX(-50%);font-style:normal;font-size:11.5px;font-weight:700;padding:4px 12px;border-radius:999px;background:var(--accent);color:var(--accent-ink);white-space:nowrap}
.sp-speed em.pop{background:var(--accent-2);color:#06101f;top:auto;bottom:-11px}
.sp-speed>i{display:block;font-style:normal;font-size:30px;margin-bottom:8px}
.sp-speed b{display:block;font-family:var(--display);font-size:20px}
.sp-speed small{display:block;color:var(--ink-3);font-size:13px}
.sp-from{margin-top:16px;font-size:12px;color:var(--ink-3);text-transform:uppercase;letter-spacing:.1em}
.sp-rate{font-family:var(--display);font-size:46px;font-weight:800;letter-spacing:-.04em;color:var(--accent);line-height:1.1}
.sp-eg{font-size:13.5px;color:var(--ink-2);margin-top:6px}
.sp-note{font-size:12.5px;color:var(--ink-3);margin-top:6px}
.sp-ways{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:16px;margin:28px 0 20px}
.sp-way{display:flex;gap:16px;align-items:center;padding:20px 22px;border-radius:20px;border:1px solid var(--line);background:var(--surface)}
.sp-way>i{font-style:normal;font-size:26px;width:52px;height:52px;border-radius:16px;display:grid;place-items:center;background:var(--accent-soft);flex:none}
.sp-way b{display:block;font-family:var(--display)}
.sp-way small{display:block;color:var(--ink-3);font-size:13px;line-height:1.4}
.sp-way>span{margin-left:auto;font-size:13px;color:var(--ink-3);white-space:nowrap;text-align:right}
.sp-way>span strong{display:block;font-family:var(--display);font-size:22px;color:var(--accent)}
.sp-cardline{display:flex;flex-wrap:wrap;gap:10px;justify-content:center}
.sp-cardline span{padding:9px 15px;border-radius:999px;border:1px solid var(--line);background:var(--surface);font-size:14px;color:var(--ink-2)}
.sp-cardline strong{color:var(--ink)}
.sp-fine{text-align:center;color:var(--ink-3);font-size:13.5px;margin-top:14px}
.sc-modes-section,.price-faq-section{padding:clamp(56px,8vw,100px) 0}
.sec-pre{display:flex;align-items:center;justify-content:center;gap:12px;margin-bottom:14px}
.sec-pre-line{width:40px;height:1px;background:var(--line-2)}
.sec-pre-text{font-size:12px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--accent)}
.sec-title{text-align:center;font-size:clamp(28px,4vw,46px);margin-bottom:12px}
.sec-sub{text-align:center;color:var(--ink-2);margin:0 auto 40px;max-width:620px}
.sc-calc-box.sp-calc{max-width:620px;margin:0 auto;padding:clamp(24px,4vw,40px);border-radius:var(--r-lg);border:1px solid var(--line-2);background:var(--surface);box-shadow:var(--shadow)}
.sp-calc-in{margin-bottom:20px}
.sp-calc-in>label{display:block;font-size:13px;font-weight:600;color:var(--ink-2);margin-bottom:8px}
.sp-amt{display:flex;align-items:center;height:60px;border-radius:16px;border:1px solid var(--line-2);background:var(--bg-2);padding:0 18px;transition:border-color .2s,box-shadow .2s}
.sp-amt:focus-within{border-color:var(--accent);box-shadow:0 0 0 4px var(--accent-soft)}
.sp-amt span{font-family:var(--display);font-size:22px;color:var(--ink-3);margin-right:8px}
.sp-amt input{flex:1;min-width:0;border:0;background:none;outline:none;font-family:var(--display);font-size:24px;font-weight:700}
.sp-chips{display:flex;flex-wrap:wrap;gap:8px;margin-top:10px}
.sp-chips button,.sp-tab{padding:8px 14px;border-radius:999px;border:1px solid var(--line-2);background:var(--surface);cursor:pointer;font-size:13.5px;color:var(--ink-2);transition:.2s}
.sp-chips button:hover,.sp-tab:hover{color:var(--ink);border-color:var(--accent)}
.sp-tabs{display:flex;flex-wrap:wrap;gap:8px}
.sp-tab.on{background:var(--accent);border-color:var(--accent);color:var(--accent-ink);font-weight:600}
.sp-calc select{width:100%;height:52px;padding:0 14px;border-radius:14px;border:1px solid var(--line-2);background:var(--bg-2)}
.sp-out{display:grid;grid-template-columns:1.2fr 1fr;gap:12px;margin:24px 0 12px}
.sp-out>div{padding:18px;border-radius:18px;background:var(--surface-2);border:1px solid var(--line)}
.sp-out small{display:block;font-size:12px;color:var(--ink-3);text-transform:uppercase;letter-spacing:.08em}
.sp-out b{display:block;font-family:var(--display);font-size:32px;letter-spacing:-.03em;color:var(--accent)}
.sp-out span{font-family:var(--display);font-size:22px;font-weight:700}
.sp-out em{display:block;font-style:normal;font-size:13px;color:var(--ink-3)}
.sp-via{font-size:13.5px;color:var(--ink-2);text-align:center;margin-bottom:18px}
.sp-go{display:flex;align-items:center;justify-content:center;gap:8px;height:54px;border-radius:16px;font-weight:700;background:linear-gradient(135deg,var(--accent),color-mix(in srgb,var(--accent) 70%,var(--accent-2)));color:var(--accent-ink)}
.sp-go i{display:none}
.sc-empty{text-align:center;color:var(--ink-2);padding:18px}

/* ---------- Footer ---------- */
.footer{margin-top:clamp(40px,6vw,80px);border-top:1px solid var(--line);background:linear-gradient(var(--bg),var(--bg-2));padding:clamp(56px,7vw,88px) 0 28px;font-size:14.5px}
.f-grid{display:grid;grid-template-columns:1.5fr repeat(3,1fr);gap:40px}
.f-grid h4{font-family:var(--font);font-size:12px;letter-spacing:.14em;text-transform:uppercase;color:var(--ink-3);margin-bottom:16px}
.f-grid ul{list-style:none;margin:0;padding:0;display:grid;gap:10px}
.f-grid a{color:var(--ink-2);transition:color .2s}
.f-grid a:hover{color:var(--accent)}
.f-about p{color:var(--ink-2);max-width:340px;margin:16px 0 20px}
.socials{display:flex;gap:8px}
.f-bottom{display:flex;flex-wrap:wrap;justify-content:space-between;gap:12px;margin-top:48px;padding-top:24px;border-top:1px solid var(--line);color:var(--ink-3);font-size:13px}
.f-bottom a:hover{color:var(--accent)}
.disclaimer{margin-top:20px;font-size:12.5px;color:var(--ink-3);line-height:1.6;max-width:900px}
.big-word{font-family:var(--display);font-weight:800;font-size:clamp(64px,17vw,230px);letter-spacing:-.06em;line-height:.85;text-align:center;margin-top:40px;user-select:none;
  background:linear-gradient(180deg,var(--line-2),transparent 85%);-webkit-background-clip:text;background-clip:text;color:transparent}

/* ---------- Floating ---------- */
.fab-wa{position:fixed;right:20px;bottom:20px;z-index:90;width:58px;height:58px;border-radius:50%;display:grid;place-items:center;background:#1fae5b;color:#fff;box-shadow:0 16px 36px -10px rgba(31,174,91,.6);transition:transform .3s var(--ease)}
.fab-wa:hover{transform:scale(1.08)}
.fab-wa .ico{width:28px;height:28px;fill:currentColor;stroke:none}
.fab-wa::before{content:"";position:absolute;inset:0;border-radius:50%;border:2px solid #1fae5b;animation:ring 2.4s infinite}
@keyframes ring{0%{transform:scale(1);opacity:.7}100%{transform:scale(1.6);opacity:0}}
.to-top{position:fixed;right:28px;bottom:92px;z-index:89;opacity:0;visibility:hidden;transform:translateY(10px);transition:.3s}
.to-top.show{opacity:1;visibility:visible;transform:none}

/* ---------- Reveal ---------- */
.rv{opacity:0;transform:translateY(28px);transition:opacity .9s var(--ease),transform .9s var(--ease);transition-delay:var(--d,0s)}
.rv.in{opacity:1;transform:none}
.rv-s{opacity:0;transform:scale(.94);transition:opacity 1s var(--ease),transform 1s var(--ease)}
.rv-s.in{opacity:1;transform:none}
.split-word{display:inline-block;overflow:hidden;vertical-align:bottom;padding-bottom:.08em}
.split-word>span{display:inline-block;transform:translateY(110%);transition:transform 1s var(--ease);transition-delay:var(--d,0s)}
.loaded .split-word>span{transform:none}
html:not(.js) .rv,html:not(.js) .rv-s{opacity:1;transform:none}
html:not(.js) .split-word>span{transform:none}

/* ---------- Mobile nav ---------- */
.mnav{position:fixed;inset:0;z-index:150;background:var(--bg);padding:calc(var(--header-h) + 10px) 20px 30px;overflow-y:auto;opacity:0;visibility:hidden;transform:translateY(-10px);transition:.35s var(--ease)}
.mnav.open{opacity:1;visibility:visible;transform:none}
.mnav ul{list-style:none;margin:0;padding:0}
.mnav li a{display:flex;justify-content:space-between;align-items:center;padding:16px 4px;border-bottom:1px solid var(--line);font-family:var(--display);font-size:20px;font-weight:600}
.mnav .mnav-group{font-size:11.5px;letter-spacing:.14em;text-transform:uppercase;color:var(--ink-3);margin:24px 0 2px}
.mnav .row{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-top:24px}
.mnav .row .btn{width:100%}
.mclose{position:absolute;top:16px;right:20px}

/* ---------- Responsive ---------- */
@media (max-width:1080px){
  .nav,.h-actions .btn-login{display:none}
  .burger{display:grid}
  .h-actions{margin-left:auto}
}
@media (max-width:960px){
  .hero-grid,.split,.ratebox,.contact-grid{grid-template-columns:1fr}
  .stage{margin:0 auto;max-width:480px}
  .ratebox-r{border-left:0;border-top:1px solid var(--line)}
  .g3,.g4{grid-template-columns:repeat(2,1fr)}
  .steps{grid-template-columns:repeat(2,1fr);row-gap:40px}
  .steps::before{display:none}
  .stats{grid-template-columns:repeat(2,1fr)}
  .stat:nth-child(2){border-right:0}
  .stat:nth-child(-n+2){border-bottom:1px solid var(--line)}
  .f-grid{grid-template-columns:1fr 1fr}
  .f-about{grid-column:1/-1}
  .article-layout,.legal{grid-template-columns:1fr}
  .toc,.legal-toc-sidebar{position:static}
  .card.feature{grid-column:auto;grid-template-columns:1fr}
  .post-card.big{grid-template-columns:1fr}
  .post-card.big .thumb{border-right:0;border-bottom:1px solid var(--line);min-height:220px}
}
@media (max-width:640px){
  body{font-size:15.5px}
  .wrap{padding:0 16px}
  .g2,.g3,.g4{grid-template-columns:1fr}
  .steps{grid-template-columns:1fr}
  .form-row{grid-template-columns:1fr}
  .h-actions .btn-cta{display:none}
  .lang-btn span.lbl{display:none}
  .hero-ctas .btn{flex:1 1 100%}
  .flow{left:4%;right:4%}
  .toast{right:2%}
  .badge-float{display:none}
  .cta{border-radius:26px}
  .sp-out{grid-template-columns:1fr}
  .sp-way{flex-wrap:wrap}
  .sp-way>span{margin-left:68px;text-align:left}
  .announce{font-size:12px}
  .office-grid{grid-template-columns:1fr 1fr}
  .stat{padding:22px 12px}
}

/* ---------- Motion preference ---------- */
@media (prefers-reduced-motion:reduce){
  *,*::before,*::after{animation-duration:.001ms!important;animation-iteration-count:1!important;transition-duration:.001ms!important;scroll-behavior:auto!important}
  .rv,.rv-s{opacity:1;transform:none}
  .split-word>span{transform:none}
}
@media print{.header,.footer,.fab-wa,.to-top,.ambient,.announce,.cta{display:none!important}body{background:#fff;color:#000}}

/* ===== v4.1: login menu, Play badge, mode toggle, app band, more languages ===== */
.btn-login{gap:8px;position:relative}
.btn-login .chev{width:12px;height:12px;transition:transform .25s}
.login-pop.open .btn-login .chev{transform:rotate(180deg)}
.secure-dot{width:7px;height:7px;border-radius:50%;background:var(--accent);box-shadow:0 0 0 3px var(--accent-soft);animation:ping 2.4s infinite}
.login-panel{width:340px;padding:14px}
.lp-head{display:flex;gap:12px;align-items:center;padding:6px 6px 14px}
.lp-head b{display:block;font-family:var(--display);font-size:16px;color:var(--ink)}
.lp-head span{display:block;font-size:12.5px;color:var(--ink-3);line-height:1.4}
.lp-shield{width:44px;height:44px;border-radius:14px;display:grid;place-items:center;flex:none;color:var(--accent-ink);background:linear-gradient(135deg,var(--accent),var(--accent-2));box-shadow:0 10px 24px -10px var(--glow-1)}
.lp-shield .ico{width:22px;height:22px}
.lp-main{width:100%;margin-bottom:8px}
.lp-main .ico:last-child{margin-left:auto}
.lp-row{display:flex;gap:12px;align-items:center;padding:10px;border-radius:12px;transition:background .2s}
.lp-row:hover{background:var(--surface-2)}
.lp-row .di{width:34px;height:34px;border-radius:10px;display:grid;place-items:center;background:var(--accent-soft);color:var(--accent);flex:none}
.lp-row b{display:block;font-size:14px;color:var(--ink)}
.lp-row span span{display:block;font-size:12.5px;color:var(--ink-3)}
.lp-note{display:flex;gap:8px;align-items:flex-start;margin-top:8px;padding:10px 12px;border-radius:12px;background:var(--surface-2);font-size:12px;color:var(--ink-3);line-height:1.45}
.lp-note .ico{color:var(--accent);margin-top:1px;width:14px;height:14px}

.play-badge{display:inline-flex;align-items:center;gap:10px;height:44px;padding:0 16px 0 12px;border-radius:12px;background:#000;color:#fff;border:1px solid rgba(255,255,255,.22);
  transition:transform .25s var(--ease),box-shadow .25s;white-space:nowrap;flex:none}
.play-badge:hover{transform:translateY(-2px);box-shadow:0 14px 30px -14px rgba(0,0,0,.7)}
.play-badge .play-logo{width:22px;height:22px}
.play-badge span{display:flex;flex-direction:column;line-height:1.05}
.play-badge small{font-size:9.5px;letter-spacing:.06em;opacity:.85;font-weight:500}
.play-badge b{font-family:var(--font);font-size:16px;font-weight:600;letter-spacing:-.01em}
.play-badge.play-lg{height:54px;padding:0 20px 0 14px;border-radius:14px}
.play-badge.play-lg .play-logo{width:26px;height:26px}
.play-badge.play-lg b{font-size:19px}
:root[data-theme="light"] .play-badge{border-color:#000}

.mode-toggle{position:relative;overflow:hidden}
.mt-ico{position:absolute;inset:0;display:grid;place-items:center;transition:transform .5s var(--ease),opacity .35s}
.mt-sun{transform:translateY(0) rotate(0);opacity:1}
.mt-moon{transform:translateY(120%) rotate(-90deg);opacity:0}
:root[data-theme="light"] .mt-sun{transform:translateY(-120%) rotate(90deg);opacity:0}
:root[data-theme="light"] .mt-moon{transform:none;opacity:1}
.mnav [data-mode-toggle] .ico{width:18px;height:18px}
:root[data-theme="light"] .mnav [data-mode-toggle] .ico:first-child,:root:not([data-theme="light"]) .mnav [data-mode-toggle] .ico:nth-child(2){display:none}
html.theme-anim body,html.theme-anim .card,html.theme-anim .header{transition:background-color .5s var(--ease),color .5s var(--ease),border-color .5s}

.app-band{display:grid;grid-template-columns:1.05fr .95fr;gap:clamp(30px,5vw,70px);align-items:center;padding:clamp(30px,5vw,64px);border-radius:36px;border:1px solid var(--line-2);overflow:hidden;position:relative;
  background:radial-gradient(70% 90% at 100% 50%,var(--glow-2),transparent 60%),radial-gradient(60% 80% at 0% 0%,var(--glow-1),transparent 60%),var(--solid)}
.app-copy h2{font-size:clamp(30px,4vw,48px);margin:18px 0 16px}
.app-copy p{color:var(--ink-2);margin:0 0 20px}
.app-ctas{display:flex;flex-wrap:wrap;gap:12px;align-items:center;margin-top:10px}
.phone-wrap{position:relative;display:grid;place-items:center;min-height:520px}
.phone{position:relative;z-index:2;width:270px;height:540px;border-radius:44px;padding:12px;background:linear-gradient(145deg,#1b2236,#05070d);box-shadow:0 50px 90px -40px rgba(0,0,0,.8),inset 0 0 0 2px rgba(255,255,255,.08);transform:rotate(-6deg);animation:float1 8s ease-in-out infinite}
.notch{position:absolute;top:20px;left:50%;transform:translateX(-50%);width:84px;height:22px;border-radius:14px;background:#000;z-index:3}
.screen{height:100%;border-radius:34px;overflow:hidden;padding:52px 16px 16px;background:linear-gradient(180deg,#0a1430,#060b17);color:#eef3ff;display:flex;flex-direction:column;gap:12px}
.ps-top{display:flex;justify-content:space-between;align-items:center}
.ps-top img{height:22px;width:auto}
.ps-live{font-size:10px;font-weight:700;padding:3px 8px;border-radius:99px;background:#2ee6a6;color:#04140e}
.ps-card{padding:14px;border-radius:18px;background:linear-gradient(135deg,#123063,#1f4fa0);box-shadow:inset 0 1px 0 rgba(255,255,255,.2)}
.ps-card small{font-size:11px;opacity:.8}
.ps-card b{display:block;font-family:var(--display);font-size:34px;letter-spacing:-.03em}
.ps-bars{display:flex;align-items:flex-end;gap:5px;height:34px;margin-top:6px}
.ps-bars i{flex:1;border-radius:4px;background:rgba(255,255,255,.35);animation:bar 2.6s ease-in-out infinite}
.ps-bars i:nth-child(1){height:40%}.ps-bars i:nth-child(2){height:65%;animation-delay:.15s}.ps-bars i:nth-child(3){height:50%;animation-delay:.3s}.ps-bars i:nth-child(4){height:80%;animation-delay:.45s}.ps-bars i:nth-child(5){height:60%;animation-delay:.6s}.ps-bars i:nth-child(6){height:90%;animation-delay:.75s}.ps-bars i:nth-child(7){height:70%;background:#2ee6a6;animation-delay:.9s}
@keyframes bar{50%{transform:scaleY(.7)}}
.ps-bars i{transform-origin:bottom}
.ps-btn{display:flex;gap:8px;align-items:center;justify-content:center;height:42px;border-radius:14px;background:#2ee6a6;color:#04140e;font-weight:700;font-size:13.5px}
.ps-h{font-size:11px;letter-spacing:.1em;text-transform:uppercase;opacity:.6;margin-top:4px}
.ps-row{display:flex;gap:10px;align-items:center;padding:10px;border-radius:14px;background:rgba(255,255,255,.05)}
.ps-row b{display:block;font-size:13.5px}
.ps-row small{font-size:11px;opacity:.65}
.ps-row em{margin-left:auto;font-style:normal;font-size:11px;opacity:.6}
.ps-i{width:28px;height:28px;border-radius:9px;display:grid;place-items:center;background:rgba(46,230,166,.15);color:#2ee6a6}
.ps-i .ico{width:14px;height:14px}
.phone-glow{position:absolute;width:340px;height:340px;border-radius:50%;background:var(--glow-1);filter:blur(60px);z-index:1}

/* Indic scripts (hi, mr, gu, ta, te, kn, bn) */
:root{--font:"Plus Jakarta Sans","Noto Sans Devanagari","Noto Sans Gujarati","Noto Sans Tamil","Noto Sans Telugu","Noto Sans Kannada","Noto Sans Bengali",system-ui,-apple-system,"Segoe UI",sans-serif;
  --display:"Sora","Noto Sans Devanagari","Noto Sans Gujarati","Noto Sans Tamil","Noto Sans Telugu","Noto Sans Kannada","Noto Sans Bengali",system-ui,sans-serif}
.indic body{line-height:1.8}
.indic h1,.indic h2,.indic h3{letter-spacing:0;line-height:1.32;overflow-wrap:break-word}
.indic .hero h1{font-size:clamp(32px,4.6vw,60px);line-height:1.25}
.indic .phero h1{font-size:clamp(30px,4.8vw,56px)}
.indic .serif{font-family:var(--display);font-style:normal;font-weight:700}
.indic .quote blockquote{font-family:var(--font);font-style:normal;font-size:clamp(18px,2vw,22px)}
.indic .sec-head h2,.indic .cta h2{font-size:clamp(26px,4vw,44px)}
.indic .nav a.nl,.indic .nav button.nl{font-size:14px;padding:9px 10px}
html[lang^="kn"] .hero h1,html[lang^="te"] .hero h1{font-size:clamp(28px,3.7vw,50px)}
html[lang^="ta"] .hero h1{font-size:clamp(26px,3.1vw,44px);line-height:1.35}
html[lang^="ta"] .phero h1,html[lang^="ta"] .sec-head h2,html[lang^="ta"] .cta h2{font-size:clamp(24px,3.4vw,42px)}
html[lang^="ta"] .nav a.nl,html[lang^="ta"] .nav button.nl{font-size:13px;padding:9px 8px}

@media (max-width:1240px){ .nav,.h-actions .btn-login,.h-actions .play-head{display:none} .burger{display:grid} .h-actions{margin-left:auto} }
@media (max-width:960px){ .app-band{grid-template-columns:1fr} .phone-wrap{min-height:480px} }
@media (max-width:640px){ .h-actions .mode-toggle{display:grid} .lang-btn span.lbl{display:none} .play-badge.play-lg{height:50px} .mnav .play-badge{height:48px;justify-content:center} }

/* ===================================================================
   v4.2 — All-device / app-like layer (iPhone, Android, iPad)
   =================================================================== */
html{overflow-x:hidden;overflow-x:clip;-webkit-tap-highlight-color:transparent}
body{-webkit-text-size-adjust:100%;text-size-adjust:100%}
a,button,.chipbtn,.tb{touch-action:manipulation}
input,select,textarea{font-size:16px!important} /* stops iOS zoom on focus */
.header{padding-top:env(safe-area-inset-top);height:calc(var(--header-h) + env(safe-area-inset-top))}
.wrap{padding-left:max(20px,env(safe-area-inset-left));padding-right:max(20px,env(safe-area-inset-right))}

/* ---------- Bottom tab bar ---------- */
.tabbar{display:none}
@media (max-width:1023px){
  .tabbar{position:fixed;left:10px;right:10px;bottom:calc(10px + env(safe-area-inset-bottom));z-index:95;display:grid;grid-template-columns:repeat(5,1fr);align-items:end;
    height:66px;padding:0 6px;border-radius:24px;background:color-mix(in srgb,var(--solid) 86%,transparent);
    -webkit-backdrop-filter:saturate(170%) blur(22px);backdrop-filter:saturate(170%) blur(22px);border:1px solid var(--line-2);box-shadow:0 18px 40px -18px rgba(0,0,0,.55);
    transition:transform .35s var(--ease)}
  .tabbar.hide{transform:translateY(calc(100% + 30px))}
  .tb{display:flex;flex-direction:column;align-items:center;justify-content:center;gap:4px;height:66px;background:none;border:0;cursor:pointer;color:var(--ink-3);font-size:10.5px;font-weight:600;letter-spacing:.01em;
    white-space:nowrap;overflow:hidden;text-overflow:ellipsis;min-width:0;transition:color .2s}
  .tb span{max-width:100%;overflow:hidden;text-overflow:ellipsis}
  .tb .ico{width:22px;height:22px;transition:transform .25s var(--ease)}
  .tb.on,.tb:active{color:var(--accent)}
  .tb.on .ico{transform:translateY(-1px)}
  .tb.on::after{content:"";width:4px;height:4px;border-radius:50%;background:var(--accent);margin-top:1px}
  .tb-main{justify-content:flex-end;padding-bottom:9px;color:var(--ink)}
  .tb-orb{width:56px;height:56px;margin-top:-30px;border-radius:20px;display:grid;place-items:center;color:var(--accent-ink);
    background:linear-gradient(135deg,var(--accent),color-mix(in srgb,var(--accent) 60%,var(--accent-2)));box-shadow:0 12px 26px -8px var(--glow-1),0 0 0 5px var(--bg);transition:transform .2s}
  .tb-orb .ico{width:26px;height:26px}
  .tb-main:active .tb-orb{transform:scale(.92)}
  body{padding-bottom:calc(92px + env(safe-area-inset-bottom))}
  .fab-wa{bottom:calc(92px + env(safe-area-inset-bottom));right:14px;width:52px;height:52px}
  .fab-wa .ico{width:25px;height:25px}
  .to-top{display:none}
  .burger{display:none!important}
  .h-actions .play-head,.h-actions .btn-login{display:none}
}

/* ---------- Bottom-sheet menu ---------- */
.mnav-backdrop{position:fixed;inset:0;z-index:149;background:rgba(3,6,14,.55);-webkit-backdrop-filter:blur(4px);backdrop-filter:blur(4px);opacity:0;visibility:hidden;transition:.3s}
.mnav-backdrop.open{opacity:1;visibility:visible}
.mnav{position:fixed;left:0;right:0;top:auto;bottom:0;inset:auto 0 0 0;z-index:150;max-height:88vh;max-height:88dvh;overflow-y:auto;overscroll-behavior:contain;-webkit-overflow-scrolling:touch;
  padding:8px max(18px,env(safe-area-inset-left)) calc(22px + env(safe-area-inset-bottom));background:var(--solid);border-radius:28px 28px 0 0;border:1px solid var(--line-2);border-bottom:0;
  box-shadow:0 -30px 80px -20px rgba(0,0,0,.6);transform:translateY(105%);opacity:1;visibility:hidden;transition:transform .45s var(--ease),visibility 0s .45s}
.mnav.open{transform:translateY(0);visibility:visible;transition:transform .45s var(--ease)}
@media (min-width:700px){.mnav{left:50%;right:auto;width:620px;transform:translate(-50%,105%)}.mnav.open{transform:translate(-50%,0)}}
.sheet-handle{width:44px;height:5px;border-radius:99px;background:var(--line-2);margin:6px auto 10px;cursor:grab}
.sheet-head{display:flex;justify-content:space-between;align-items:center;margin-bottom:14px}
.sheet-head .logo{height:34px}
.mnav .mclose{position:static}
.sheet-login{display:flex;gap:12px;align-items:center;padding:14px;border-radius:20px;margin-bottom:16px;background:linear-gradient(135deg,var(--accent-soft),transparent),var(--surface-2);border:1px solid var(--line-2)}
.sheet-login b{display:block;font-family:var(--display);font-size:15px}
.sheet-login span span{display:block;font-size:12.5px;color:var(--ink-3);line-height:1.35}
.sheet-login>.ico{margin-left:auto;color:var(--accent)}
.mtiles{display:grid;grid-template-columns:repeat(3,1fr);gap:10px}
@media (min-width:500px){.mtiles{grid-template-columns:repeat(5,1fr)}}
.mtile{display:flex;flex-direction:column;align-items:center;gap:8px;padding:14px 6px;border-radius:18px;background:var(--surface);border:1px solid var(--line);text-align:center;font-size:12.5px;font-weight:600;line-height:1.25;color:var(--ink-2);transition:transform .15s,background .2s}
.mtile:active{transform:scale(.95)}
.mtile.on{border-color:var(--accent);color:var(--ink);background:var(--accent-soft)}
.mt-i{width:42px;height:42px;border-radius:14px;display:grid;place-items:center;background:var(--accent-soft);color:var(--accent)}
.mt-i .ico{width:21px;height:21px}
.mnav .mnav-group{font-size:11px;letter-spacing:.14em;text-transform:uppercase;color:var(--ink-3);margin:20px 2px 10px;font-weight:700}
.mchips{display:flex;flex-wrap:wrap;gap:8px}
.mchips .btn{--bh:38px;font-size:13.5px;padding:0 14px}
.mchips [data-mode-toggle] .ico{width:16px;height:16px}
:root[data-theme="light"] .mchips [data-mode-toggle] .ico:first-child,:root:not([data-theme="light"]) .mchips [data-mode-toggle] .ico:nth-child(2){display:none}
.sheet-foot{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-top:20px}
.sheet-foot .play-badge,.sheet-foot .btn{height:50px;justify-content:center;width:100%}
.sheet-foot .btn{font-size:13.5px;white-space:normal;line-height:1.2;padding:0 10px}
body.sheet-open{overflow:hidden}

/* ---------- Touch feedback ---------- */
@media (hover:none){
  .card:hover{transform:none;box-shadow:none}
  .card:active{transform:scale(.985)}
  .btn:active,.play-badge:active{transform:scale(.97)}
  .btn-primary:hover::after{transform:translateX(-120%)}
}

/* ---------- Tablet (iPad portrait / landscape, Android tablets) ---------- */
@media (min-width:700px) and (max-width:1023px){
  .hero{padding-top:36px}
  .hero-grid{grid-template-columns:1.15fr .85fr;gap:28px}
  .hero h1{font-size:clamp(38px,5.6vw,56px)}
  .stage{max-width:none}
  .ccard.c2,.badge-float{display:none}
  .ccard.c1{width:86%;left:4%}
  .flow{left:4%;right:0;padding:14px}
  .toast{right:-4%}
  .split{grid-template-columns:1fr 1fr}
  .app-band{grid-template-columns:1.1fr .9fr}
  .phone{width:230px;height:470px}
  .phone-wrap{min-height:480px}
  .contact-grid{grid-template-columns:1fr 1fr}
  .steps{grid-template-columns:repeat(4,1fr);row-gap:20px}
  .steps::before{display:block;top:30px}
  .step-n{width:60px;height:60px}
  .card.feature{grid-column:1/-1;grid-template-columns:1.2fr 1fr}
  .stats{grid-template-columns:repeat(4,1fr)}
  .stat{border-bottom:0!important;border-right:1px solid var(--line)!important}
  .stat:last-child{border-right:0!important}
  .article-layout{grid-template-columns:1fr}
  .ratebox{grid-template-columns:1fr 1fr}
  .ratebox-r{border-left:1px solid var(--line);border-top:0}
}
@media (min-width:1024px) and (max-width:1239px){
  .hero h1{font-size:clamp(40px,4.8vw,60px)}
  .h-actions .play-head{display:inline-flex}
}

/* ---------- Phone ---------- */
@media (max-width:699px){
  :root{--header-h:62px}
  .announce{display:none}
  .header{background:color-mix(in srgb,var(--bg) 80%,transparent);-webkit-backdrop-filter:saturate(160%) blur(18px);backdrop-filter:saturate(160%) blur(18px);border-color:var(--line)}
  .header .logo{height:32px}
  .h-actions{gap:6px}
  .icon-btn{width:38px;height:38px;border-radius:12px}
  .h-actions .pop:not(.login-pop):nth-of-type(2){display:none} /* palette lives in the menu sheet */
  .sec{padding:56px 0}
  .sec-tight{padding:36px 0}
  .sec-head{margin-bottom:28px}
  .sec-head h2{font-size:clamp(26px,7.4vw,34px);margin:14px 0 10px}
  .sec-head p{font-size:15px}
  /* hero */
  .hero{padding:22px 0 34px}
  .hero h1{font-size:clamp(34px,10vw,44px);margin:16px 0 14px;letter-spacing:-.035em}
  .indic .hero h1{font-size:clamp(28px,8.2vw,38px)}
  html[lang^="ta"] .hero h1{font-size:clamp(24px,7vw,32px)}
  .hero .lead{font-size:15.5px;margin-bottom:20px}
  .hero-ctas{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-bottom:18px}
  .hero-ctas .btn{--bh:52px;padding:0 12px;font-size:14.5px;flex:none}
  .hero-ctas+.rv{margin:0 0 16px!important}
  .hero-ctas+.rv .play-badge{flex:1}
  .trust{gap:8px 14px;font-size:12.5px}
  .stage{aspect-ratio:1/.86;max-width:420px;margin:8px auto 0}
  .stage-ring{inset:2%}
  .ccard.c2,.badge-float{display:none}
  .ccard.c1{width:84%;left:8%;top:6%;padding:6% 7%}
  .flow{left:6%;right:6%;bottom:2%;padding:14px;border-radius:18px}
  .flow-amt{font-size:24px}
  .toast{top:-2%;right:0;padding:9px 11px}
  .marquee{padding:16px 0}
  .marquee-track{animation-duration:26s}
  /* app-like swipe rows */
  .grid.swipe-m{display:flex!important;gap:12px;overflow-x:auto;overscroll-behavior-x:contain;scroll-snap-type:x mandatory;-webkit-overflow-scrolling:touch;
    margin:0 calc(-1 * max(16px,env(safe-area-inset-left)));padding:4px max(16px,env(safe-area-inset-left)) 14px;scroll-padding:0 max(16px,env(safe-area-inset-left));scrollbar-width:none}
  .grid.swipe-m::-webkit-scrollbar{display:none}
  .grid.swipe-m>*{flex:0 0 82%;scroll-snap-align:start;max-width:340px}
  .grid.swipe-m>.card.feature{flex-basis:88%;max-width:none;grid-template-columns:1fr}
  .grid.swipe-m>.card.feature>div[aria-hidden]{display:none!important}
  .steps>.step{padding:22px 18px;border-radius:24px;background:var(--surface);border:1px solid var(--line);text-align:left}
  .steps>.step .step-n{margin:0 0 14px;width:52px;height:52px;border-radius:16px;box-shadow:none;font-size:18px}
  .steps::before{display:none}
  .swipe-dots{display:flex;justify-content:center;gap:6px;margin-top:2px}
  .swipe-dots i{width:6px;height:6px;border-radius:99px;background:var(--line-2);transition:width .3s var(--ease),background .3s}
  .swipe-dots i.on{width:20px;background:var(--accent)}
  .card{padding:22px;border-radius:24px}
  .card h3{font-size:18px;margin:14px 0 8px}
  .ci{width:46px;height:46px;border-radius:14px}
  /* stats as compact tiles */
  .stats{grid-template-columns:repeat(2,1fr);border-radius:22px}
  .stat b{font-size:28px}
  .stat span{font-size:12.5px}
  /* rate box & calculator */
  .ratebox{border-radius:26px}
  .ratebox-l,.ratebox-r{padding:22px}
  .big-rate{font-size:64px}
  .sc-calc-box.sp-calc{padding:20px;border-radius:24px}
  .sp-speeds{display:flex;overflow-x:auto;scroll-snap-type:x mandatory;gap:12px;padding:14px 2px 8px;scrollbar-width:none}
  .sp-speeds::-webkit-scrollbar{display:none}
  .sp-speed{flex:0 0 74%;scroll-snap-align:center}
  .rate-hero{padding:24px 18px;margin-bottom:40px;border-radius:26px}
  /* app band */
  .app-band{padding:22px;border-radius:28px;gap:6px}
  .phone-wrap{min-height:400px;order:-1}
  .phone{width:210px;height:420px;border-radius:38px;padding:10px}
  .screen{border-radius:30px;padding:44px 12px 12px;gap:9px}
  .ps-card b{font-size:28px}
  .app-ctas{display:grid;grid-template-columns:1fr;gap:10px}
  .app-ctas .play-badge,.app-ctas .btn{width:100%;justify-content:center}
  /* page hero */
  .phero{padding:28px 0 22px}
  .phero h1{font-size:clamp(30px,8.6vw,40px);margin:14px auto 12px}
  .indic .phero h1{font-size:clamp(26px,7.4vw,34px)}
  .phero p{font-size:15px}
  .chips-row{flex-wrap:nowrap;overflow-x:auto;justify-content:flex-start;scrollbar-width:none;margin:20px calc(-1 * max(16px,env(safe-area-inset-left))) 0;padding:0 max(16px,env(safe-area-inset-left))}
  .chips-row::-webkit-scrollbar{display:none}
  .chips-row span{white-space:nowrap;flex:none}
  .crumbs{margin-top:16px}
  /* FAQ */
  .faq summary{padding:16px 16px;font-size:15px}
  .faq .ans{padding:0 16px 16px;font-size:14.5px}
  .faq-cats{flex-wrap:nowrap;overflow-x:auto;justify-content:flex-start;scrollbar-width:none;padding-bottom:4px}
  .faq-cats::-webkit-scrollbar{display:none}
  .chipbtn{white-space:nowrap;flex:none}
  /* CTA band */
  .cta{padding:30px 20px;border-radius:28px}
  .cta h2{font-size:clamp(26px,7.6vw,34px)}
  .cta p{font-size:15px;margin-bottom:22px}
  .cta .row{display:grid;grid-template-columns:1fr;gap:10px}
  .cta .row .btn{width:100%}
  .cta .meta{flex-direction:column;align-items:center;gap:6px}
  /* compare tables become stacked cards */
  .table-wrap{border:0;background:none;overflow:visible}
  table.cmp{min-width:0;display:block}
  table.cmp thead{display:none}
  table.cmp tbody{display:grid;gap:10px}
  table.cmp tr{display:grid;grid-template-columns:1fr 1fr;border:1px solid var(--line);border-radius:18px;overflow:hidden;background:var(--surface)}
  table.cmp td{border:0;padding:12px 14px;font-size:13.5px}
  table.cmp td:first-child{grid-column:1/-1;background:var(--surface-2);font-weight:700;color:var(--ink);padding:10px 14px}
  table.cmp td.hl::before,table.cmp td:nth-child(3)::before{display:block;font-size:10.5px;text-transform:uppercase;letter-spacing:.08em;color:var(--ink-3);margin-bottom:3px;font-weight:600}
  table.cmp td.hl::before{content:attr(data-h);color:var(--accent)}
  table.cmp td:nth-child(3)::before{content:attr(data-h)}
  /* contact */
  .cinfo a,.cinfo div.ci-row{padding:16px;border-radius:18px}
  .form-card{padding:20px;border-radius:24px}
  .map iframe{min-height:280px}
  /* timeline / office / split */
  .split h2{font-size:clamp(26px,7.6vw,34px)}
  .office{padding:20px}
  .quote{padding:24px}
  .tl-item{padding-left:58px}
  /* blog */
  .post-card.big .thumb{min-height:170px}
  .article-head h1{font-size:clamp(28px,8vw,38px)}
  .prose{font-size:16.5px}
  .toc{display:none}
  /* legal */
  .legal-toc-sidebar{display:none}
  .legal-main{padding:20px;border-radius:22px}
  /* footer */
  .footer{padding:44px 0 20px}
  .f-grid{grid-template-columns:1fr 1fr;gap:28px 18px}
  .big-word{font-size:26vw;margin-top:24px}
  .f-bottom{flex-direction:column;align-items:flex-start}
}
@media (max-width:360px){
  .hero-ctas{grid-template-columns:1fr}
  .tb{font-size:9.5px}
  .mtiles{grid-template-columns:repeat(3,1fr);gap:8px}
  .mtile{font-size:11.5px;padding:12px 4px}
}
/* landscape phones */
@media (max-height:500px) and (orientation:landscape){
  .tabbar{height:54px}.tb{height:54px}.tb-orb{width:46px;height:46px;margin-top:-18px}
  .mnav{max-height:94vh}
}
@media (max-width:1023px){
  .fab-wa{display:none}
  .tb-wa{color:#1fae5b}
  .tb-wa .ico{fill:currentColor;stroke:none}
}
@media (min-width:700px) and (max-width:1023px){
  .tabbar{left:50%;right:auto;width:min(560px,calc(100% - 40px));transform:translateX(-50%)}
  .tabbar.hide{transform:translate(-50%,calc(100% + 30px))}
  .stage{aspect-ratio:1/1.22}
  .ccard.c1{top:4%}
  .flow{bottom:4%}
  .toast{top:-6%}
  .mtiles{grid-template-columns:repeat(3,1fr)}
}
@media (min-width:500px) and (max-width:699px){.mtiles{grid-template-columns:repeat(3,1fr)}}

/* ===================================================================
   v4.3 — Phone "app" design (fintech-app style, iOS large titles,
   inset-grouped lists, bento tiles, wallet card, glass tab bar)
   =================================================================== */
.m-dash,.m-login{display:none}
@media (max-width:699px){
  body{background:var(--bg)}
  .ambient .orb{opacity:.55}
  .ambient::before{opacity:.25}
  /* header: transparent → glass */
  .header{background:transparent;border-color:transparent;-webkit-backdrop-filter:none;backdrop-filter:none}
  .header.scrolled{background:color-mix(in srgb,var(--bg) 78%,transparent);-webkit-backdrop-filter:saturate(180%) blur(20px);backdrop-filter:saturate(180%) blur(20px);border-color:var(--line)}
  .m-login{display:grid}
  .h-actions .icon-btn{width:40px;height:40px;border-radius:50%;background:var(--surface-2);border-color:transparent}
  .lang-btn{width:40px!important;padding:0!important}

  /* iOS-style large titles, left aligned */
  .sec-head,.sec-head.left{text-align:left;margin:0 0 18px;max-width:none}
  .sec-head .eyebrow{background:none;border:0;padding:0;font-size:11.5px;letter-spacing:.12em;text-transform:uppercase;color:var(--accent);gap:6px}
  .sec-head .eyebrow i{display:none}
  .sec-head h2{font-size:27px;line-height:1.15;margin:6px 0 6px;letter-spacing:-.03em}
  .indic .sec-head h2{font-size:23px;line-height:1.35}
  .sec-head h2 .serif{font-family:var(--display);font-style:normal;font-weight:700;color:var(--ink-2)}
  .sec-head p{font-size:14.5px;color:var(--ink-3)}
  .sec{padding:34px 0}
  .phero{text-align:left;padding:18px 0 10px}
  .phero .eyebrow{background:none;border:0;padding:0;font-size:11.5px;letter-spacing:.12em;text-transform:uppercase;color:var(--accent)}
  .phero .eyebrow i{display:none}
  .phero h1{margin:8px 0 10px;font-size:34px;line-height:1.08;text-align:left}
  .indic .phero h1{font-size:28px;line-height:1.3}
  .phero p{margin:0;text-align:left;font-size:15px;color:var(--ink-3)}
  .phero .crumbs{justify-content:flex-start}
  .phero .chips-row{justify-content:flex-start}

  /* home hero becomes a compact greeting; actions move into the wallet card */
  .hero{padding:12px 0 6px}
  .hero-grid{display:block}
  .hero .eyebrow{background:none;border:0;padding:0;font-size:11.5px;letter-spacing:.12em;text-transform:uppercase;color:var(--accent)}
  .hero .eyebrow i{display:none}
  .hero h1{font-size:33px;margin:8px 0 8px;line-height:1.06}
  .indic .hero h1{font-size:27px;line-height:1.3}
  html[lang^="ta"] .hero h1{font-size:23px}
  .hero .lead{font-size:14.5px;color:var(--ink-3);margin:0;display:-webkit-box;-webkit-line-clamp:3;-webkit-box-orient:vertical;overflow:hidden}
  .hero .hero-ctas,.hero .hero-ctas+.rv,.hero .rate-pill,.hero .trust,.hero .stage{display:none!important}
  .hero .rv[style*="margin-bottom:22px"]{display:none}

  /* phone dashboard */
  .m-dash{display:block;padding:14px 0 6px}
  .wallet{position:relative;overflow:hidden;padding:20px;border-radius:28px;color:#fff;isolation:isolate;
    background:radial-gradient(120% 120% at 100% 0%,color-mix(in srgb,var(--accent) 55%,transparent),transparent 55%),radial-gradient(100% 120% at 0% 100%,color-mix(in srgb,var(--accent-2) 45%,transparent),transparent 60%),linear-gradient(150deg,var(--card-a),var(--card-b));
    box-shadow:0 26px 50px -24px rgba(0,0,0,.7),inset 0 1px 0 rgba(255,255,255,.22)}
  .wallet::before{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(115deg,transparent 30%,rgba(255,255,255,.16) 45%,transparent 60%);background-size:260% 100%;animation:sheen 7s ease-in-out infinite}
  .wallet::after{content:"";position:absolute;right:-60px;bottom:-60px;width:200px;height:200px;border-radius:50%;border:1px solid rgba(255,255,255,.14);box-shadow:0 0 0 30px rgba(255,255,255,.03),0 0 0 60px rgba(255,255,255,.02);z-index:-1}
  .w-top{display:flex;justify-content:space-between;align-items:center;margin-bottom:16px}
  .w-top img{height:22px;width:auto;opacity:.95}
  .w-live{display:inline-flex;gap:6px;align-items:center;padding:5px 10px;border-radius:99px;background:rgba(255,255,255,.14);font-size:11px;font-weight:700;letter-spacing:.08em}
  .w-live .dot-live{width:7px;height:7px;background:#2ee6a6}
  .wallet small{font-size:12.5px;opacity:.8}
  .w-rate{font-family:var(--display);font-weight:800;font-size:54px;letter-spacing:-.045em;line-height:1.02;margin:2px 0 10px}
  .w-meta{display:flex;flex-wrap:wrap;gap:6px 14px;font-size:12px;opacity:.85}
  .w-meta span{display:inline-flex;gap:5px;align-items:center}
  .w-meta .ico{width:13px;height:13px}
  .w-btns{display:grid;grid-template-columns:1.2fr 1fr;gap:10px;margin-top:18px}
  .w-btn{display:flex;align-items:center;justify-content:center;gap:8px;height:50px;border-radius:16px;font-weight:700;font-size:14.5px;
    background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.18);color:#fff;-webkit-backdrop-filter:blur(10px);backdrop-filter:blur(10px);transition:transform .15s}
  .w-btn:active{transform:scale(.96)}
  .w-btn .ico{width:17px;height:17px}
  .w-primary{background:#fff;color:#0b1630;border-color:#fff}
  .m-head{display:flex;justify-content:space-between;align-items:center;margin:26px 2px 12px}
  .m-head b{font-family:var(--display);font-size:19px;letter-spacing:-.02em}
  .m-head a{width:32px;height:32px;border-radius:50%;display:grid;place-items:center;background:var(--surface-2);color:var(--ink-2)}
  .m-head a .ico{width:15px;height:15px}
  .qa-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px 8px;padding:16px 10px;border-radius:24px;background:var(--surface);border:1px solid var(--line)}
  .qa{display:flex;flex-direction:column;align-items:center;gap:7px;text-align:center}
  .qa-i{width:52px;height:52px;border-radius:18px;display:grid;place-items:center;color:var(--accent);
    background:linear-gradient(160deg,var(--accent-soft),transparent),var(--surface-2);border:1px solid var(--line-2);transition:transform .15s}
  .qa:active .qa-i{transform:scale(.9)}
  .qa-i .ico{width:23px;height:23px}
  .qa-t{font-size:11px;font-weight:600;line-height:1.2;color:var(--ink-2);display:-webkit-box;-webkit-line-clamp:2;-webkit-box-orient:vertical;overflow:hidden;min-height:2.4em}
  .promo-rail{display:flex;gap:10px;overflow-x:auto;scroll-snap-type:x mandatory;scrollbar-width:none;margin:0 -16px;padding:0 16px 2px;scroll-padding:0 16px}
  .promo-rail::-webkit-scrollbar{display:none}
  .promo{flex:0 0 86%;scroll-snap-align:start;display:flex;gap:14px;align-items:center;padding:18px;border-radius:22px;border:1px solid var(--line-2);
    background:linear-gradient(135deg,var(--accent-soft),transparent 70%),var(--surface)}
  .promo.p1{background:linear-gradient(135deg,color-mix(in srgb,var(--accent-2) 16%,transparent),transparent 70%),var(--surface)}
  .promo.p3{background:linear-gradient(135deg,color-mix(in srgb,#1fae5b 18%,transparent),transparent 70%),var(--surface)}
  .promo-i{width:48px;height:48px;flex:none;border-radius:16px;display:grid;place-items:center;background:var(--accent);color:var(--accent-ink)}
  .promo b{display:block;font-family:var(--display);font-size:15.5px;margin-bottom:2px}
  .promo div>span{display:block;font-size:13px;color:var(--ink-3);line-height:1.4}
  .promo-i .ico{width:22px;height:22px}
  .promo-dots{display:flex;justify-content:center;gap:5px;margin-top:10px}
  .promo-dots i{width:6px;height:6px;border-radius:99px;background:var(--line-2);transition:.3s}
  .promo-dots i.on{width:18px;background:var(--accent)}
  .m-app-row{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-top:22px}
  .m-app-row .play-badge{height:52px;justify-content:center}
  .m-app-row .w-btn{background:var(--surface-2);border-color:var(--line-2);color:var(--ink)}
  .marquee{margin-top:18px}

  /* inset-grouped list rows */
  .grid.list-m{display:block!important;border-radius:22px;overflow:hidden;background:var(--surface);border:1px solid var(--line)}
  .grid.list-m>.card{display:grid;grid-template-columns:44px 1fr 16px;column-gap:14px;align-items:center;padding:14px 16px;border:0;border-radius:0;background:none;box-shadow:none!important;
    border-bottom:1px solid var(--line);transform:none!important}
  .grid.list-m>.card:last-child{border-bottom:0}
  .grid.list-m>.card::before{display:none}
  .grid.list-m>.card:active{background:var(--surface-2)}
  .grid.list-m>.card>.ci{grid-row:1/span 2;width:44px;height:44px;border-radius:13px}
  .grid.list-m>.card>.ci .ico{width:21px;height:21px}
  .grid.list-m>.card>h3{grid-column:2;font-size:15.5px;margin:0 0 2px;line-height:1.3}
  .grid.list-m>.card>p{grid-column:2;margin:0;font-size:13px;color:var(--ink-3);line-height:1.45;display:-webkit-box;-webkit-line-clamp:2;-webkit-box-orient:vertical;overflow:hidden}
  .grid.list-m>.card>.link-arrow{grid-column:3;grid-row:1/span 2;font-size:0;color:var(--ink-3)}
  .grid.list-m>.card>.link-arrow .ico{width:16px;height:16px}
  .grid.list-m>.card:not(:has(.link-arrow))::after{content:""}
  /* PayByLink feature becomes a promo banner on top of the list */
  .grid.list-m>.card.feature{display:block;padding:18px 16px;border-radius:0;background:linear-gradient(135deg,var(--accent-soft),transparent 75%);border-bottom:1px solid var(--line)}
  .grid.list-m>.card.feature h3{font-size:19px;margin:10px 0 6px}
  .grid.list-m>.card.feature p{font-size:13.5px;margin-bottom:12px}
  .grid.list-m>.card.feature .btn{--bh:42px;font-size:14px}
  .grid.list-m>.card.feature>div[aria-hidden]{display:none!important}

  /* bento tiles */
  .grid.bento-m{display:grid!important;grid-template-columns:1fr 1fr;gap:10px}
  .grid.bento-m>.card{padding:16px;border-radius:22px;display:flex;flex-direction:column;gap:2px}
  .grid.bento-m>.card:first-child{grid-column:1/-1;flex-direction:row;align-items:center;gap:14px;background:linear-gradient(135deg,var(--accent-soft),transparent 70%),var(--surface)}
  .grid.bento-m>.card:first-child h3{margin-top:0}
  .grid.bento-m>.card .ci{width:40px;height:40px;border-radius:12px;flex:none}
  .grid.bento-m>.card .ci .ico{width:19px;height:19px}
  .grid.bento-m>.card h3{font-size:14.5px;margin:12px 0 4px;line-height:1.3}
  .grid.bento-m>.card p{font-size:12.5px;margin:0;color:var(--ink-3);line-height:1.45}

  /* steps as a compact vertical timeline */
  .steps{display:grid!important;grid-template-columns:1fr!important;gap:0;margin:0;padding:6px 0;border-radius:22px;background:var(--surface);border:1px solid var(--line)}
  .steps::before{display:block!important;left:37px;right:auto;top:34px;bottom:34px;width:2px;height:auto;transform:none!important;background:linear-gradient(var(--accent),var(--line-2))}
  .steps>.step{display:grid;grid-template-columns:44px 1fr;column-gap:14px;text-align:left;padding:12px 16px;border:0;background:none;border-radius:0}
  .steps>.step .step-n{grid-row:1/span 3;width:44px;height:44px;margin:0;border-radius:50%;font-size:14px;box-shadow:0 0 0 4px var(--surface);background:var(--solid)}
  .steps>.step h3{font-size:15.5px;margin:2px 0 2px}
  .steps>.step p{font-size:13px;color:var(--ink-3)}
  .steps>.step .time{margin-top:4px;font-size:11px}

  /* stats as bento */
  .stats{gap:10px;border:0;background:none;overflow:visible}
  .stat{border:1px solid var(--line)!important;border-radius:20px;background:var(--surface);padding:16px 12px;text-align:left}
  .stat b{font-size:26px}

  /* services page cards stacked, compact */
  .grid[data-stagger]:not(.list-m):not(.bento-m):not(.swipe-m){display:grid;grid-template-columns:1fr;gap:12px}

  /* CTA band → compact app card */
  .cta{text-align:left;padding:24px 20px}
  .cta .eyebrow{background:none;border:0;padding:0;font-size:11px;letter-spacing:.12em;text-transform:uppercase;color:var(--accent)}
  .cta .eyebrow i{display:none}
  .cta h2{font-size:26px;margin:8px 0 8px}
  .cta h2 .serif{font-family:var(--display);font-style:normal;font-weight:700}
  .cta p{margin:0 0 18px}
  .cta .row{grid-template-columns:1fr 1fr}
  .cta .row .btn{--bh:50px;font-size:14px;padding:0 10px}
  .cta .meta{align-items:flex-start}
  /* app section: no phone mockup inside a phone */
  .phone-wrap{display:none}
  .app-band{padding:22px 18px}
  .app-copy h2{font-size:26px}
  .app-copy h2 .serif{font-family:var(--display);font-style:normal;font-weight:700}
  /* FAQ grouped */
  .faq{gap:0;border-radius:22px;overflow:hidden;border:1px solid var(--line);background:var(--surface)}
  .faq details{border:0;border-radius:0;border-bottom:1px solid var(--line);background:none}
  .faq details:last-child{border-bottom:0}
  .faq details[open]{background:var(--surface-2)}
  .faq summary .pm{width:26px;height:26px;border-radius:50%}
  .faq-group>h2{font-size:18px;margin:0 2px 10px}
  /* contact list grouped */
  .cinfo{gap:0;border-radius:22px;overflow:hidden;border:1px solid var(--line);background:var(--surface)}
  .cinfo a,.cinfo div.ci-row{border:0;border-radius:0;border-bottom:1px solid var(--line);background:none;transform:none!important}
  .cinfo>*:last-child{border-bottom:0}
  .cinfo .ci{width:42px;height:42px;border-radius:13px;flex:none}
  /* ratebox */
  .ratebox-l h2{font-size:24px}
  .ratebox-l h2 .serif{font-family:var(--display);font-style:normal;font-weight:700}
  .big-rate{font-size:56px}

  /* glass tab bar */
  .tabbar{left:12px;right:12px;height:68px;border-radius:26px;
    background:color-mix(in srgb,var(--solid) 62%,transparent);-webkit-backdrop-filter:saturate(200%) blur(26px);backdrop-filter:saturate(200%) blur(26px);
    border:1px solid color-mix(in srgb,var(--ink) 12%,transparent);box-shadow:0 20px 44px -18px rgba(0,0,0,.6),inset 0 1px 0 color-mix(in srgb,#fff 18%,transparent)}
  .tb{height:68px;font-size:10px}
  .tb.on{color:var(--ink)}
  .tb.on .ico{color:var(--accent)}
  .tb.on::after{display:none}
  .tb:not(.tb-main).on .ico{background:var(--accent-soft);border-radius:12px;width:44px;height:28px;padding:4px 11px;box-sizing:border-box}
  .tb-orb{width:58px;height:58px;border-radius:50%;margin-top:-34px;box-shadow:0 14px 28px -10px var(--glow-1),0 0 0 6px var(--bg)}
}

/* ===== v4.4 — Tab bar: always visible, uniform tabs, animated Login orb ===== */
@media (max-width:1023px){
  .tabbar,.tabbar.hide{transform:none}
  .tabbar{overflow:visible;height:70px;padding:0 4px;grid-template-columns:repeat(5,minmax(0,1fr));align-items:stretch}
  @media (min-width:700px){.tabbar,.tabbar.hide{transform:translateX(-50%)}}
  .tb{height:70px;gap:5px;font-size:10.5px;font-weight:600;color:var(--ink-3);justify-content:center;padding-top:2px}
  .tb .ico,.tb:not(.tb-main).on .ico{width:24px;height:24px;padding:0;background:none;border-radius:0;transform:none}
  .tb span{line-height:1.1}
  .tb.on,.tb:not(.tb-main).on{color:var(--accent)}
  .tb.on::after{display:none}
  .tb:not(.tb-main){position:relative}
  .tb:not(.tb-main).on::before{content:"";position:absolute;top:6px;left:50%;width:18px;height:3px;margin-left:-9px;border-radius:99px;background:var(--accent)}
  .tb-wa{color:#1fae5b}
  /* centre Login orb — full circle, raised, live animation */
  .tb-main{justify-content:flex-end;padding-bottom:12px;color:var(--ink);overflow:visible}
  .tb-orb{position:relative;width:62px;height:62px;margin:-36px auto 6px;border-radius:50%;display:grid;place-items:center;flex:none;
    color:var(--accent-ink);background:radial-gradient(circle at 30% 25%,color-mix(in srgb,#fff 35%,var(--accent)),var(--accent) 45%,color-mix(in srgb,var(--accent) 55%,var(--accent-2)));
    box-shadow:0 14px 30px -10px var(--glow-1),0 0 0 5px var(--bg);isolation:isolate}
  .tb-orb>.ico{width:26px;height:26px;position:relative;z-index:2;animation:lockbob 3.2s ease-in-out infinite}
  .tb-ring{position:absolute;inset:-5px;border-radius:50%;z-index:-1;
    background:conic-gradient(from 0deg,var(--accent),var(--accent-2),transparent 40%,var(--accent) 70%,var(--accent-2),var(--accent));animation:spin 3s linear infinite;
    -webkit-mask:radial-gradient(farthest-side,transparent calc(100% - 3px),#000 calc(100% - 2px));mask:radial-gradient(farthest-side,transparent calc(100% - 3px),#000 calc(100% - 2px))}
  .tb-pulse{position:absolute;inset:0;border-radius:50%;z-index:-2;background:var(--accent);opacity:.5;animation:orbpulse 2.2s ease-out infinite}
  @keyframes orbpulse{0%{transform:scale(1);opacity:.45}100%{transform:scale(1.75);opacity:0}}
  @keyframes lockbob{0%,100%{transform:translateY(0)}50%{transform:translateY(-2px)}}
  .tb-main:active .tb-orb{transform:scale(.93)}
  .tb-main>span:last-child{font-size:10.5px;font-weight:700;color:var(--ink)}
}
@media (max-width:699px){
  .tabbar{left:12px;right:12px;height:70px}
  .tb{height:70px}
}
@media (prefers-reduced-motion:reduce){.tb-ring,.tb-pulse,.tb-orb>.ico{animation:none!important}}
@media (max-width:1023px){
  .tabbar{background:color-mix(in srgb,var(--solid) 88%,transparent)}
  :root[data-theme="light"] .tabbar{background:rgba(255,255,255,.92);border-color:rgba(12,24,54,.10);box-shadow:0 16px 40px -18px rgba(15,30,70,.35)}
  html[lang^="ta"] .tb,html[lang^="ta"] .tb-main>span:last-child,html[lang^="kn"] .tb,html[lang^="te"] .tb{font-size:9.5px;letter-spacing:0}
}