/* ==========================================================================
   LEGACY FINANCE CONNECT
   Single stylesheet — all pages, all components, all animations.
   Palette: deep midnight navy + champagne gold.
   Type: Playfair Display (display) + Inter (UI/body).
   ========================================================================== */

/* ---------- 1. RESET ---------- */
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%;scroll-padding-top:110px}
img,svg{max-width:100%;height:auto;display:block}
a{color:inherit;text-decoration:none;transition:color .25s ease}
a:hover{color:var(--gold-2)}
button{font:inherit;color:inherit;background:none;border:0;cursor:pointer}
ul,ol{list-style:none}
:focus-visible{outline:2px solid var(--gold);outline-offset:3px;border-radius:4px}

/* ---------- 2. TOKENS ---------- */
:root{
  --bg:#0B1426;
  --bg-2:#101B33;
  --bg-3:#16233F;
  --bg-4:#1C2B4C;
  --gold:#C9A961;
  --gold-2:#E4C988;
  --gold-3:#8E7339;
  --gold-4:#5E4A1C;
  --border:rgba(201,169,97,.20);
  --border-2:rgba(201,169,97,.42);
  --border-soft:rgba(201,169,97,.10);
  --ink:#F5EFE0;
  --ink-2:rgba(245,239,224,.76);
  --ink-3:rgba(245,239,224,.52);
  --ink-4:rgba(245,239,224,.30);
  --whatsapp:#25D366;
  --shadow-1:0 4px 18px rgba(0,0,0,.22);
  --shadow-2:0 20px 56px rgba(0,0,0,.40);
  --shadow-gold:0 14px 44px rgba(201,169,97,.26);
  --container:1240px;
  --nav-h:88px;
  --r-sm:8px;--r-md:14px;--r-lg:22px;--r-xl:30px;
  --ease:cubic-bezier(.22,1,.36,1);
  --ease-out:cubic-bezier(.16,1,.3,1);
}

/* ---------- 3. BASE ---------- */
body{
  font-family:'Inter',-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,sans-serif;
  font-size:16px;line-height:1.72;color:var(--ink);background:var(--bg);
  -webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;
  overflow-x:hidden;
}
h1,h2,h3,h4,h5{font-family:'Playfair Display',Georgia,serif;font-weight:700;line-height:1.16;letter-spacing:-.015em;color:var(--ink)}
h1{font-size:clamp(2.35rem,5.2vw,4.1rem)}
h2{font-size:clamp(1.85rem,3.7vw,2.85rem)}
h3{font-size:clamp(1.2rem,1.9vw,1.5rem)}
h4{font-family:'Inter',sans-serif;font-size:1.02rem;font-weight:600;letter-spacing:0}
p{color:var(--ink-2)}

.container{max-width:var(--container);margin-inline:auto;padding-inline:22px}
@media(min-width:760px){.container{padding-inline:40px}}

.skip-link{position:absolute;top:-60px;left:24px;z-index:200;padding:12px 20px;background:var(--gold);color:var(--bg);border-radius:var(--r-sm);font-weight:600;transition:top .25s ease}
.skip-link:focus{top:14px;color:var(--bg)}

/* ---------- 4. SCROLL PROGRESS ---------- */
.progress{position:fixed;top:0;left:0;height:3px;width:100%;transform-origin:0 50%;transform:scaleX(0);background:linear-gradient(90deg,var(--gold-3),var(--gold),var(--gold-2));z-index:120;will-change:transform}

/* ---------- 5. NAV ---------- */
.nav{position:fixed;top:0;left:0;right:0;z-index:100;height:var(--nav-h);background:rgba(11,20,38,.55);backdrop-filter:blur(16px) saturate(150%);-webkit-backdrop-filter:blur(16px) saturate(150%);border-bottom:1px solid transparent;transition:height .35s var(--ease),background .35s ease,border-color .35s ease}
.nav.scrolled{height:70px;background:rgba(11,20,38,.94);border-bottom-color:var(--border)}
.nav__inner{height:100%;display:flex;align-items:center;justify-content:space-between;gap:22px}
.nav__brand{display:flex;align-items:center;gap:12px;font-family:'Playfair Display',serif;font-weight:700;font-size:1.12rem;letter-spacing:.01em}
.nav__brand img{width:40px;height:40px;transition:width .35s var(--ease),height .35s var(--ease)}
.nav.scrolled .nav__brand img{width:34px;height:34px}
.nav__brand-text{display:flex;flex-direction:column;line-height:1.06}
.nav__brand-text strong{letter-spacing:.03em}
.nav__brand-text em{font-style:normal;font-size:.6rem;letter-spacing:.3em;text-transform:uppercase;color:var(--gold);font-weight:500}

.nav__menu{display:flex;align-items:center;gap:20px}
.nav__list{display:flex;align-items:center;gap:6px}
.nav__link{position:relative;padding:9px 13px;font-size:.9rem;font-weight:500;color:var(--ink-2);white-space:nowrap}
.nav__link::after{content:'';position:absolute;left:13px;right:13px;bottom:2px;height:1.5px;background:linear-gradient(90deg,var(--gold),var(--gold-2));transform:scaleX(0);transform-origin:0 50%;transition:transform .35s var(--ease)}
.nav__link:hover,.nav__link.is-active{color:var(--gold-2)}
.nav__link:hover::after,.nav__link.is-active::after{transform:scaleX(1)}

.nav__drop{position:relative}
.nav__drop > .nav__link .fa-chevron-down{font-size:.62rem;margin-left:4px;transition:transform .3s ease}
.nav__drop:hover > .nav__link .fa-chevron-down{transform:rotate(180deg)}
.nav__drop-menu{position:absolute;top:calc(100% + 10px);left:0;min-width:262px;padding:10px;background:var(--bg-3);border:1px solid var(--border);border-radius:var(--r-md);box-shadow:var(--shadow-2);opacity:0;visibility:hidden;transform:translateY(-8px);transition:opacity .25s ease,transform .25s var(--ease),visibility .25s}
.nav__drop:hover .nav__drop-menu,.nav__drop.is-open .nav__drop-menu{opacity:1;visibility:visible;transform:translateY(0)}
.nav__drop-menu a{display:flex;align-items:center;gap:11px;padding:11px 13px;font-size:.875rem;color:var(--ink-2);border-radius:var(--r-sm);transition:background .2s ease,color .2s ease,padding-left .25s var(--ease)}
.nav__drop-menu a:hover{background:rgba(201,169,97,.10);color:var(--gold-2);padding-left:19px}
.nav__drop-menu i{color:var(--gold);width:17px;font-size:.9rem}

.nav__cta{padding:11px 21px;border-radius:999px;font-size:.875rem;font-weight:600;background:linear-gradient(135deg,var(--gold-2),var(--gold) 55%,var(--gold-3));color:#0B1426;box-shadow:var(--shadow-gold);transition:transform .3s var(--ease),box-shadow .3s ease}
.nav__cta:hover{transform:translateY(-2px);color:#0B1426;box-shadow:0 18px 52px rgba(201,169,97,.4)}

.nav__burger{display:none;width:42px;height:42px;flex-direction:column;justify-content:center;align-items:center;gap:5px;border:1px solid var(--border);border-radius:var(--r-sm)}
.nav__burger span{display:block;width:21px;height:1.8px;background:var(--gold);transition:transform .32s var(--ease),opacity .32s ease}
.nav__burger.is-open span:nth-child(1){transform:translateY(6.8px) rotate(45deg)}
.nav__burger.is-open span:nth-child(2){opacity:0}
.nav__burger.is-open span:nth-child(3){transform:translateY(-6.8px) rotate(-45deg)}

@media(max-width:1000px){
  .nav__burger{display:flex}
  .nav__menu{position:fixed;top:var(--nav-h);right:0;width:min(340px,88%);height:calc(100vh - var(--nav-h));flex-direction:column;align-items:stretch;gap:0;padding:22px;background:var(--bg-2);border-left:1px solid var(--border);transform:translateX(102%);transition:transform .38s var(--ease);overflow-y:auto;overscroll-behavior:contain}
  .nav__menu.is-open{transform:translateX(0)}
  .nav__list{flex-direction:column;align-items:stretch;gap:0}
  .nav__link{width:100%;padding:15px 6px;border-bottom:1px solid var(--border-soft)}
  .nav__link::after{display:none}
  .nav__link.is-active{color:var(--gold);border-left:2px solid var(--gold);padding-left:14px}
  .nav__drop-menu{position:static;opacity:1;visibility:visible;transform:none;box-shadow:none;background:rgba(11,20,38,.45);border:0;padding:6px;max-height:0;overflow:hidden;transition:max-height .4s var(--ease),padding .4s var(--ease)}
  .nav__drop.is-open .nav__drop-menu{max-height:420px;padding:6px}
  .nav__cta{margin-top:18px;text-align:center}
}

/* ---------- 6. BUTTONS ---------- */
.btn{position:relative;display:inline-flex;align-items:center;justify-content:center;gap:10px;padding:15px 28px;border-radius:999px;font-size:.94rem;font-weight:600;overflow:hidden;transition:transform .32s var(--ease),box-shadow .32s ease,background .32s ease,color .32s ease}
.btn i{transition:transform .32s var(--ease)}
.btn:hover i.fa-arrow-right{transform:translateX(4px)}
.btn--primary{background:linear-gradient(135deg,var(--gold-2),var(--gold) 55%,var(--gold-3));color:#0B1426;box-shadow:var(--shadow-gold)}
.btn--primary::before{content:'';position:absolute;inset:0;background:linear-gradient(135deg,var(--gold-2),#FFF3CE 50%,var(--gold-2));opacity:0;transition:opacity .32s ease}
.btn--primary span,.btn--primary i{position:relative;z-index:1}
.btn--primary:hover{transform:translateY(-3px);color:#0B1426;box-shadow:0 20px 56px rgba(201,169,97,.42)}
.btn--primary:hover::before{opacity:1}
.btn--ghost{border:1px solid var(--border-2);color:var(--ink)}
.btn--ghost:hover{background:rgba(201,169,97,.12);border-color:var(--gold);color:var(--gold-2);transform:translateY(-3px)}
.btn--block{width:100%}

/* ---------- 7. EYEBROW / SECTION HEAD ---------- */
.eyebrow{display:inline-flex;align-items:center;gap:10px;font-size:.74rem;font-weight:600;letter-spacing:.24em;text-transform:uppercase;color:var(--gold)}
.eyebrow::before{content:'';width:26px;height:1px;background:linear-gradient(90deg,transparent,var(--gold))}
.section-head{max-width:760px;margin:0 auto 60px;text-align:center}
.section-head h2{margin-top:14px}
.section-head p{margin-top:16px;font-size:1.03rem}
.section-head .rule{width:64px;height:2px;margin:22px auto 0;background:linear-gradient(90deg,var(--gold-4),var(--gold),var(--gold-2))}

.section{padding-block:clamp(72px,9vw,132px);position:relative}
.section--alt{background:linear-gradient(180deg,var(--bg) 0%,var(--bg-2) 18%,var(--bg-2) 82%,var(--bg) 100%)}

/* ---------- 8. HERO ---------- */
.hero{position:relative;padding-top:calc(var(--nav-h) + 76px);padding-bottom:clamp(72px,9vw,124px);overflow:hidden;isolation:isolate}
.hero__media{position:absolute;inset:0;z-index:-2;background:linear-gradient(150deg,#08101F 0%,#0E1B33 42%,#16233F 100%)}
.hero__photo{position:absolute;inset:-6%;z-index:-1;background-image:url('https://images.unsplash.com/photo-1512453979798-5ea266f8880c?auto=format&fit=crop&w=2200&q=80');background-size:cover;background-position:center 32%;opacity:.34;will-change:transform}
.hero__scrim{position:absolute;inset:0;z-index:0;background:linear-gradient(160deg,rgba(11,20,38,.90) 0%,rgba(11,20,38,.60) 52%,rgba(11,20,38,.88) 100%)}
.hero__glow{position:absolute;width:620px;height:620px;right:-140px;top:-180px;z-index:0;border-radius:50%;background:radial-gradient(circle,rgba(201,169,97,.20) 0%,rgba(201,169,97,0) 68%);pointer-events:none}

.hero__inner{position:relative;z-index:2;display:grid;grid-template-columns:1.24fr .96fr;gap:clamp(34px,5vw,70px);align-items:center}
@media(max-width:1000px){.hero__inner{grid-template-columns:1fr;gap:44px}}
.hero__title{margin-top:20px}
.hero__title .gold{background:linear-gradient(120deg,var(--gold-2),var(--gold) 46%,var(--gold-3));-webkit-background-clip:text;background-clip:text;-webkit-text-fill-color:transparent}
.hero__sub{margin-top:24px;max-width:620px;font-size:clamp(1rem,1.15vw,1.09rem)}
.hero__actions{display:flex;flex-wrap:wrap;gap:14px;margin-top:34px}
.hero__trust{display:flex;flex-wrap:wrap;gap:14px 30px;margin-top:38px;padding-top:26px;border-top:1px solid var(--border-soft)}
.hero__trust span{display:inline-flex;align-items:center;gap:9px;font-size:.86rem;color:var(--ink-2)}
.hero__trust i{color:var(--gold);font-size:.9rem}

.hero__panel{position:relative;padding:34px 30px;border-radius:var(--r-xl);border:1px solid var(--border);background:linear-gradient(165deg,rgba(28,43,76,.92),rgba(16,27,51,.94));box-shadow:var(--shadow-2);backdrop-filter:blur(8px)}
.hero__panel::before{content:'';position:absolute;inset:0;border-radius:var(--r-xl);padding:1px;background:linear-gradient(150deg,rgba(228,201,136,.5),transparent 42%,rgba(228,201,136,.18));-webkit-mask:linear-gradient(#000 0 0) content-box,linear-gradient(#000 0 0);-webkit-mask-composite:xor;mask-composite:exclude;pointer-events:none}
.hero__panel-head{display:flex;align-items:baseline;justify-content:space-between;gap:14px;padding-bottom:16px;margin-bottom:24px;border-bottom:1px solid var(--border-soft)}
.hero__panel-head h3{font-size:1.1rem}
.hero__panel-head em{font-style:normal;font-size:.7rem;letter-spacing:.2em;text-transform:uppercase;color:var(--gold)}
.hero__grid{display:grid;grid-template-columns:1fr 1fr;gap:26px 20px}
.stat{display:flex;flex-direction:column}
.stat__num{font-family:'Playfair Display',serif;font-size:clamp(1.75rem,3.1vw,2.4rem);font-weight:700;line-height:1;background:linear-gradient(120deg,var(--gold-2),var(--gold) 55%,var(--gold-3));-webkit-background-clip:text;background-clip:text;-webkit-text-fill-color:transparent}
.stat__label{margin-top:7px;font-size:.8rem;color:var(--ink-3);line-height:1.35}

/* ---------- 9. TICKER ---------- */
.ticker{border-block:1px solid var(--border);background:rgba(16,27,51,.55);overflow:hidden;padding-block:18px}
.ticker__track{display:flex;gap:62px;width:max-content;animation:slide 34s linear infinite}
.ticker:hover .ticker__track{animation-play-state:paused}
.ticker__item{display:inline-flex;align-items:center;gap:11px;font-size:.84rem;letter-spacing:.14em;text-transform:uppercase;color:var(--ink-3);white-space:nowrap}
.ticker__item i{color:var(--gold);font-size:.9rem}
@keyframes slide{from{transform:translateX(0)}to{transform:translateX(-50%)}}

/* ---------- 10. CARDS ---------- */
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(292px,1fr));gap:24px}
.card{position:relative;padding:32px 29px;border-radius:var(--r-lg);border:1px solid var(--border);background:linear-gradient(170deg,var(--bg-4) 0%,var(--bg-3) 42%,var(--bg-2) 100%);overflow:hidden;transition:transform .42s var(--ease),border-color .42s ease,box-shadow .42s ease}
.card::after{content:'';position:absolute;top:0;left:0;right:0;height:2px;background:linear-gradient(90deg,transparent,var(--gold),transparent);transform:scaleX(0);transform-origin:50% 50%;transition:transform .5s var(--ease)}
.card:hover{transform:translateY(-7px);border-color:var(--border-2);box-shadow:var(--shadow-2)}
.card:hover::after{transform:scaleX(1)}
.card__icon{width:58px;height:58px;display:grid;place-items:center;margin-bottom:22px;border-radius:var(--r-md);border:1px solid var(--border-2);background:rgba(201,169,97,.09);color:var(--gold);font-size:1.35rem;transition:transform .42s var(--ease),background .42s ease,color .42s ease}
.card:hover .card__icon{transform:translateY(-3px) rotate(-4deg);background:linear-gradient(135deg,var(--gold-2),var(--gold));color:#0B1426;border-color:transparent}
.card h3{margin-bottom:11px}
.card p{font-size:.94rem}
.card__link{display:inline-flex;align-items:center;gap:8px;margin-top:18px;font-size:.875rem;font-weight:600;color:var(--gold)}
.card__link i{transition:transform .32s var(--ease)}
.card__link:hover i{transform:translateX(5px)}
.card--plain:hover .card__icon{transform:translateY(-3px);background:linear-gradient(135deg,var(--gold-2),var(--gold));color:#0B1426}

/* ---------- 11. BAND (parallax stats) ---------- */
.band{position:relative;padding-block:clamp(80px,10vw,132px);overflow:hidden;isolation:isolate}
.band__media{position:absolute;inset:-8%;z-index:-2;background-image:url('https://images.unsplash.com/photo-1545324418-cc1a3fa10c00?auto=format&fit=crop&w=2200&q=80');background-size:cover;background-position:center;will-change:transform}
.band__scrim{position:absolute;inset:0;z-index:-1;background:linear-gradient(180deg,rgba(8,15,29,.90),rgba(8,15,29,.80) 45%,rgba(8,15,29,.92))}
.band__grid{display:grid;grid-template-columns:repeat(4,1fr);gap:34px;text-align:center}
@media(max-width:820px){.band__grid{grid-template-columns:repeat(2,1fr);gap:30px 20px}}
.band__num{font-family:'Playfair Display',serif;font-size:clamp(2.5rem,5.4vw,3.7rem);font-weight:700;line-height:1;background:linear-gradient(120deg,var(--gold-2),var(--gold) 55%,var(--gold-3));-webkit-background-clip:text;background-clip:text;-webkit-text-fill-color:transparent}
.band__label{margin-top:9px;font-size:.78rem;letter-spacing:.17em;text-transform:uppercase;color:var(--ink-2)}

/* ---------- 12. STEPS ---------- */
.steps{display:grid;grid-template-columns:repeat(auto-fit,minmax(226px,1fr));gap:34px}
.step{position:relative;text-align:center}
.step__dot{width:68px;height:68px;margin:0 auto 22px;display:grid;place-items:center;border-radius:50%;font-family:'Playfair Display',serif;font-size:1.55rem;font-weight:700;color:#0B1426;background:linear-gradient(135deg,var(--gold-2),var(--gold) 60%,var(--gold-3));box-shadow:var(--shadow-gold);transition:transform .42s var(--ease)}
.step:hover .step__dot{transform:translateY(-4px) scale(1.05)}
.step h3{margin-bottom:10px;font-family:'Inter',sans-serif;font-size:1.03rem;font-weight:600}
.step p{font-size:.9rem}
.step::before{content:'';position:absolute;top:34px;left:calc(50% + 44px);right:calc(-50% + 44px);height:1px;background:linear-gradient(90deg,var(--border-2),transparent)}
.step:last-child::before{display:none}
@media(max-width:820px){.step::before{display:none}}

/* ---------- 13. SPLIT ---------- */
.split{display:grid;grid-template-columns:1fr 1.08fr;gap:clamp(34px,5vw,68px);align-items:center}
@media(max-width:960px){.split{grid-template-columns:1fr;gap:42px}}
.split__media{position:relative;border-radius:var(--r-xl);overflow:hidden;box-shadow:var(--shadow-2);border:1px solid var(--border)}
.split__media img{width:100%;aspect-ratio:5/4;object-fit:cover;transition:transform 1.1s var(--ease)}
.split__media:hover img{transform:scale(1.045)}
.split__badge{position:absolute;right:-26px;bottom:-26px;width:116px;height:116px;display:grid;place-content:center;text-align:center;border-radius:50%;background:linear-gradient(135deg,var(--gold-2),var(--gold) 58%,var(--gold-3));color:#0B1426;box-shadow:var(--shadow-gold);padding:10px}
.split__badge strong{font-family:'Playfair Display',serif;font-size:2rem;line-height:1;display:block}
.split__badge span{font-size:.63rem;font-weight:600;letter-spacing:.05em;line-height:1.2;margin-top:3px;display:block}
.split__body h2{margin-top:14px}
.split__body p{margin-top:17px}
.split__body .btn{margin-top:30px}
.split__list{margin-top:22px;display:grid;gap:11px}
.split__list li{display:flex;gap:11px;align-items:flex-start;font-size:.93rem;color:var(--ink-2)}
.split__list i{color:var(--gold);margin-top:5px;font-size:.82rem}

/* ---------- 14. TIMELINE ---------- */
.timeline{position:relative;max-width:780px;margin-inline:auto;padding-left:62px}
.timeline::before{content:'';position:absolute;top:6px;bottom:6px;left:20px;width:2px;background:linear-gradient(180deg,var(--gold),var(--gold-3),transparent)}
.timeline__item{position:relative;padding-bottom:38px}
.timeline__item:last-child{padding-bottom:0}
.timeline__item::before{content:'';position:absolute;left:-48px;top:7px;width:13px;height:13px;border-radius:50%;background:var(--gold);box-shadow:0 0 0 4px var(--bg-2),0 0 0 5px var(--border-2);transition:transform .35s var(--ease),box-shadow .35s ease}
.timeline__item:hover::before{transform:scale(1.28);box-shadow:0 0 0 4px var(--bg-2),0 0 0 5px var(--gold),0 0 0 11px rgba(201,169,97,.14)}
.timeline__year{font-family:'Playfair Display',serif;font-size:1.35rem;font-weight:700;color:var(--gold)}
.timeline__item h3{margin:5px 0 8px;font-family:'Inter',sans-serif;font-size:1.02rem;font-weight:600}
.timeline__item p{font-size:.9rem}

/* ---------- 15. TESTIMONIALS ---------- */
.quotes{display:grid;grid-template-columns:repeat(auto-fit,minmax(292px,1fr));gap:24px}
.quote{position:relative;padding:32px 29px;border-radius:var(--r-lg);border:1px solid var(--border);background:linear-gradient(170deg,var(--bg-4),var(--bg-3));transition:transform .42s var(--ease),border-color .42s ease}
.quote:hover{transform:translateY(-6px);border-color:var(--border-2)}
.quote__stars{display:flex;gap:3px;margin-bottom:15px;color:var(--gold);font-size:.86rem}
.quote__text{font-size:.96rem;color:var(--ink);font-style:italic;line-height:1.72}
.quote__who{display:flex;align-items:center;gap:13px;margin-top:20px;padding-top:18px;border-top:1px solid var(--border-soft)}
.quote__avatar{width:44px;height:44px;flex:0 0 44px;display:grid;place-items:center;border-radius:50%;font-weight:700;color:#0B1426;background:linear-gradient(135deg,var(--gold-2),var(--gold))}
.quote__who strong{display:block;font-size:.9rem;color:var(--ink)}
.quote__who span{font-size:.77rem;color:var(--ink-3)}

/* ---------- 16. FAQ ---------- */
.faq{max-width:840px;margin-inline:auto;display:grid;gap:12px}
.faq__item{border:1px solid var(--border);border-radius:var(--r-md);background:var(--bg-3);overflow:hidden;transition:border-color .3s ease}
.faq__item.is-open{border-color:var(--border-2)}
.faq__q{width:100%;display:flex;align-items:center;justify-content:space-between;gap:18px;padding:20px 24px;text-align:left;font-size:.98rem;font-weight:600;color:var(--ink);transition:color .25s ease}
.faq__q:hover{color:var(--gold-2)}
.faq__q i{flex:0 0 auto;color:var(--gold);font-size:.82rem;transition:transform .35s var(--ease)}
.faq__item.is-open .faq__q i{transform:rotate(180deg)}
.faq__a{max-height:0;overflow:hidden;transition:max-height .42s var(--ease)}
.faq__a p{padding:0 24px 22px;font-size:.92rem}

/* ---------- 17. CTA ---------- */
.cta{position:relative;padding-block:clamp(84px,10vw,138px);overflow:hidden;isolation:isolate;text-align:center}
.cta__media{position:absolute;inset:-8%;z-index:-2;background-image:url('https://images.unsplash.com/photo-1497366216548-37526070297c?auto=format&fit=crop&w=2200&q=80');background-size:cover;background-position:center;will-change:transform}
.cta__scrim{position:absolute;inset:0;z-index:-1;background:linear-gradient(160deg,rgba(9,16,31,.93),rgba(9,16,31,.86) 50%,rgba(9,16,31,.95))}
.cta h2{max-width:760px;margin-inline:auto}
.cta p{max-width:600px;margin:20px auto 0;font-size:1.04rem}
.cta__actions{display:flex;flex-wrap:wrap;gap:14px;justify-content:center;margin-top:34px}

/* ---------- 18. PAGE BANNER ---------- */
.banner{position:relative;padding-top:calc(var(--nav-h) + 78px);padding-bottom:clamp(60px,7vw,92px);overflow:hidden;isolation:isolate;text-align:center}
.banner__media{position:absolute;inset:-8%;z-index:-2;background-image:var(--banner-img);background-size:cover;background-position:center;opacity:.42;will-change:transform}
.banner__scrim{position:absolute;inset:0;z-index:-1;background:linear-gradient(165deg,rgba(11,20,38,.93),rgba(11,20,38,.72) 55%,rgba(11,20,38,.94))}
.banner h1{margin-top:16px;max-width:900px;margin-inline:auto}
.banner h1 .gold{background:linear-gradient(120deg,var(--gold-2),var(--gold) 50%,var(--gold-3));-webkit-background-clip:text;background-clip:text;-webkit-text-fill-color:transparent}
.banner p{max-width:720px;margin:20px auto 0;font-size:1.05rem}
.banner .rule{width:64px;height:2px;margin:24px auto 0;background:linear-gradient(90deg,var(--gold-4),var(--gold),var(--gold-2))}
.crumbs{display:flex;flex-wrap:wrap;gap:9px;justify-content:center;margin-top:26px;font-size:.83rem;color:var(--ink-3)}
.crumbs a{color:var(--gold-2)}
.crumbs a:hover{color:var(--gold)}

/* ---------- 19. CALCULATOR ---------- */
.calc{display:grid;grid-template-columns:1.08fr 1fr;gap:30px;align-items:start}
@media(max-width:960px){.calc{grid-template-columns:1fr}}
.calc__panel{padding:34px 30px;border-radius:var(--r-xl);border:1px solid var(--border);background:linear-gradient(170deg,var(--bg-4),var(--bg-2))}
.calc__panel h3{display:flex;align-items:center;gap:11px;margin-bottom:26px;font-family:'Inter',sans-serif;font-size:1.06rem;font-weight:600}
.calc__panel h3 i{color:var(--gold)}
.calc__panel--result{background:linear-gradient(170deg,#1A2A4E,#101B33);box-shadow:var(--shadow-2)}
.field{margin-bottom:26px}
.field label{display:flex;justify-content:space-between;align-items:baseline;gap:12px;margin-bottom:11px;font-size:.83rem;color:var(--ink-3)}
.field label strong{color:var(--gold-2);font-size:.92rem}
.field input[type=number]{width:100%;padding:14px 16px;border-radius:var(--r-md);border:1px solid var(--border);background:var(--bg);color:var(--ink);font-family:'Inter',sans-serif;font-size:1.16rem;font-weight:600;transition:border-color .25s ease,background .25s ease}
.field input[type=number]:focus{outline:none;border-color:var(--gold);background:rgba(201,169,97,.05)}
input[type=range]{-webkit-appearance:none;appearance:none;width:100%;height:5px;border-radius:999px;background:linear-gradient(90deg,var(--gold),var(--gold-4));outline:none;cursor:pointer}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;appearance:none;width:21px;height:21px;border-radius:50%;background:var(--gold-2);border:2px solid var(--gold);box-shadow:0 0 0 5px rgba(201,169,97,.14);transition:transform .2s ease,box-shadow .2s ease}
input[type=range]::-webkit-slider-thumb:hover{transform:scale(1.12);box-shadow:0 0 0 7px rgba(201,169,97,.2)}
input[type=range]::-moz-range-thumb{width:21px;height:21px;border-radius:50%;background:var(--gold-2);border:2px solid var(--gold)}
input[type=range]::-moz-range-track{height:5px;border-radius:999px;background:linear-gradient(90deg,var(--gold),var(--gold-4))}
.calc__hero{padding:26px;margin-bottom:24px;border-radius:var(--r-lg);text-align:center;background:linear-gradient(135deg,var(--gold-2),var(--gold) 55%,var(--gold-3));color:#0B1426}
.calc__hero span{display:block;font-size:.73rem;font-weight:700;letter-spacing:.18em;text-transform:uppercase;opacity:.82}
.calc__hero strong{display:block;margin-top:6px;font-family:'Playfair Display',serif;font-size:clamp(1.9rem,4.2vw,2.7rem);font-weight:700;line-height:1.1}
.calc__rows{display:grid;grid-template-columns:1fr 1fr;gap:13px;margin-bottom:24px}
.calc__row{padding:15px 17px;border-radius:var(--r-md);border:1px solid var(--border);background:var(--bg)}
.calc__row--full{grid-column:1/-1}
.calc__row span{display:block;font-size:.75rem;color:var(--ink-3);margin-bottom:5px}
.calc__row strong{font-family:'Playfair Display',serif;font-size:1.06rem;color:var(--gold);font-weight:700}
.calc__bar{display:flex;height:11px;border-radius:999px;overflow:hidden;background:var(--bg)}
.calc__bar i{display:block;height:100%;transition:width .5s var(--ease)}
.calc__bar .p{background:linear-gradient(90deg,var(--gold-2),var(--gold))}
.calc__bar .i{background:linear-gradient(90deg,var(--gold-3),var(--gold-4))}
.calc__legend{display:flex;justify-content:space-between;margin-top:11px;font-size:.79rem;color:var(--ink-3)}
.calc__legend span::before{content:'';display:inline-block;width:11px;height:11px;border-radius:3px;margin-right:7px;vertical-align:-1px}
.calc__legend .p::before{background:linear-gradient(135deg,var(--gold-2),var(--gold))}
.calc__legend .i::before{background:linear-gradient(135deg,var(--gold-3),var(--gold-4))}
.calc__note{margin-top:16px;font-size:.78rem;color:var(--ink-3);display:flex;gap:8px;align-items:flex-start}
.calc__note i{margin-top:4px;color:var(--gold)}

/* ---------- 20. CONTACT + FORMS ---------- */
.contact{display:grid;grid-template-columns:1fr 1.18fr;gap:clamp(30px,4vw,54px);align-items:start}
@media(max-width:960px){.contact{grid-template-columns:1fr}}
.contact__info,.contact__form{padding:34px 30px;border-radius:var(--r-xl);border:1px solid var(--border);background:linear-gradient(170deg,var(--bg-4),var(--bg-2))}
.contact__info h3,.contact__form h3{margin-bottom:14px;font-family:'Inter',sans-serif;font-size:1.08rem;font-weight:600}
.contact__info > p{margin-bottom:26px;font-size:.93rem}
.contact__list{display:grid;gap:22px}
.contact__row{display:flex;gap:15px;align-items:flex-start}
.contact__ico{flex:0 0 44px;width:44px;height:44px;display:grid;place-items:center;border-radius:var(--r-md);border:1px solid var(--border-2);background:rgba(201,169,97,.09);color:var(--gold)}
.contact__row strong{display:block;margin-bottom:3px;font-size:.9rem;color:var(--ink)}
.contact__row span,.contact__row a{font-size:.87rem;color:var(--ink-2);line-height:1.55}
.contact__row a:hover{color:var(--gold-2)}

.tabs{display:flex;gap:6px;padding:4px;margin-bottom:24px;border-radius:999px;border:1px solid var(--border);background:var(--bg)}
.tabs button{flex:1;display:inline-flex;align-items:center;justify-content:center;gap:7px;padding:10px 14px;border-radius:999px;font-size:.86rem;font-weight:600;color:var(--ink-2);transition:background .28s ease,color .28s ease}
.tabs button.is-active{background:linear-gradient(135deg,var(--gold-2),var(--gold));color:#0B1426}
.tabs button:not(.is-active):hover{color:var(--gold-2)}

.form__grid{display:grid;grid-template-columns:1fr 1fr;gap:17px}
@media(max-width:600px){.form__grid{grid-template-columns:1fr}}
.form__field--full{grid-column:1/-1}
.form__field label{display:block;margin-bottom:7px;font-size:.79rem;color:var(--ink-3)}
.form__field input,.form__field select,.form__field textarea{width:100%;padding:13px 15px;border-radius:var(--r-sm);border:1px solid var(--border);background:var(--bg);color:var(--ink);font-family:inherit;font-size:.93rem;transition:border-color .25s ease,background .25s ease}
.form__field input:focus,.form__field select:focus,.form__field textarea:focus{outline:none;border-color:var(--gold);background:rgba(201,169,97,.05)}
.form__field textarea{min-height:108px;resize:vertical}
.form__note{margin-top:15px;text-align:center;font-size:.76rem;color:var(--ink-3)}
.form__note i{color:var(--gold);margin-right:5px}
.form__status{margin-top:14px;padding:12px 16px;border-radius:var(--r-sm);font-size:.86rem;display:none}
.form__status.is-ok{display:block;background:rgba(74,222,128,.1);border:1px solid rgba(74,222,128,.3);color:#9BE8B4}
.form__status.is-err{display:block;background:rgba(248,113,113,.1);border:1px solid rgba(248,113,113,.3);color:#FCA5A5}

.map{margin-top:clamp(42px,5vw,70px);border-radius:var(--r-xl);overflow:hidden;border:1px solid var(--border);box-shadow:var(--shadow-2);aspect-ratio:21/8}
.map iframe{width:100%;height:100%;border:0;filter:grayscale(.35) contrast(1.05)}

/* ---------- 21. FOOTER ---------- */
.footer{padding-block:78px 30px;background:#070E1C;border-top:1px solid var(--border)}
.footer__grid{display:grid;grid-template-columns:1.9fr 1fr 1fr 1.45fr;gap:clamp(28px,4vw,52px);margin-bottom:48px}
@media(max-width:1000px){.footer__grid{grid-template-columns:1fr 1fr}}
@media(max-width:600px){.footer__grid{grid-template-columns:1fr;gap:34px}}
.footer__brand{display:flex;align-items:center;gap:12px;margin-bottom:16px}
.footer__brand img{width:42px;height:42px}
.footer__brand strong{font-family:'Playfair Display',serif;font-size:1.12rem}
.footer__about p{font-size:.9rem;margin-bottom:20px}
.footer__social{display:flex;gap:10px}
.footer__social a{width:38px;height:38px;display:grid;place-items:center;border-radius:50%;border:1px solid var(--border);background:rgba(201,169,97,.07);color:var(--gold);transition:background .28s ease,color .28s ease,transform .28s var(--ease),border-color .28s ease}
.footer__social a:hover{background:linear-gradient(135deg,var(--gold-2),var(--gold));color:#0B1426;border-color:transparent;transform:translateY(-3px)}
.footer__col h4{margin-bottom:18px;font-family:'Inter',sans-serif;font-size:.79rem;font-weight:700;letter-spacing:.17em;text-transform:uppercase;color:var(--gold)}
.footer__col li{margin-bottom:10px}
.footer__col a{font-size:.875rem;color:var(--ink-2)}
.footer__col a:hover{color:var(--gold-2)}
.footer__contact li{display:flex;gap:12px;align-items:flex-start;margin-bottom:13px;font-size:.875rem;color:var(--ink-2)}
.footer__contact i{color:var(--gold);margin-top:4px;flex:0 0 15px}
.footer__bottom{padding-top:26px;border-top:1px solid var(--border-soft);display:flex;flex-wrap:wrap;gap:14px;justify-content:space-between;font-size:.8rem;color:var(--ink-3)}

/* ---------- 22. FLOATING ---------- */
.wa{position:fixed;right:24px;bottom:24px;z-index:99;width:58px;height:58px;display:grid;place-items:center;border-radius:50%;background:var(--whatsapp);color:#fff;font-size:1.55rem;box-shadow:0 14px 38px rgba(37,211,102,.38);transition:transform .3s var(--ease)}
.wa:hover{transform:scale(1.09) translateY(-2px);color:#fff}
.wa::after{content:'';position:absolute;inset:0;border-radius:50%;border:2px solid var(--whatsapp);animation:ping 2.6s var(--ease-out) infinite}
@keyframes ping{0%{transform:scale(1);opacity:.7}70%{transform:scale(1.55);opacity:0}100%{opacity:0}}
.top{position:fixed;right:29px;bottom:96px;z-index:98;width:44px;height:44px;display:grid;place-items:center;border-radius:50%;border:1px solid var(--border-2);background:var(--bg-3);color:var(--gold);opacity:0;visibility:hidden;transform:translateY(10px);transition:opacity .32s ease,transform .32s var(--ease),visibility .32s,background .28s ease,color .28s ease}
.top.is-shown{opacity:1;visibility:visible;transform:translateY(0)}
.top:hover{background:linear-gradient(135deg,var(--gold-2),var(--gold));color:#0B1426;border-color:transparent}
@media(max-width:600px){.wa{width:52px;height:52px;right:16px;bottom:16px;font-size:1.35rem}.top{right:21px;bottom:80px;width:40px;height:40px}}

/* ---------- 23. ANIMATION SYSTEM ----------
   .reveal is added by JS only, so content is fully visible if JS is off.
   A safety timer force-reveals everything after 2.4s regardless. */
.reveal{opacity:0;transform:translateY(26px);transition:opacity .85s var(--ease-out),transform .85s var(--ease-out);will-change:opacity,transform}
.reveal.is-in{opacity:1;transform:none}
.reveal--left{transform:translateX(-34px)}
.reveal--right{transform:translateX(34px)}
.reveal--scale{transform:scale(.955)}
.reveal--left.is-in,.reveal--right.is-in,.reveal--scale.is-in{transform:none}

@media(prefers-reduced-motion:reduce){
  *,*::before,*::after{animation-duration:.001ms!important;animation-iteration-count:1!important;transition-duration:.001ms!important;scroll-behavior:auto!important}
  .reveal{opacity:1!important;transform:none!important}
  .hero__photo,.band__media,.cta__media,.banner__media{transform:none!important}
}


/* ---------- OVERFLOW GUARD ----------
   The mobile drawer parks off-canvas to the right; clip prevents any
   stray horizontal scrollbar without creating a scroll container. */
html,body{overflow-x:clip}
@supports not (overflow-x:clip){html,body{overflow-x:hidden}}


/* ======================================================================
   BANKING NETWORK — partner bank marquee (added)
   ====================================================================== */
.banks-net-section{padding-top:96px;padding-bottom:96px}
.banks-net{position:relative}
.banks-net__head{max-width:800px;margin:0 auto 46px;text-align:center}
.banks-net__head h2{margin:.35em 0 .5em}
.banks-net__head h3{font-family:var(--font-display,'Playfair Display',serif);font-size:clamp(1.5rem,3vw,2.1rem);font-weight:600;margin:.35em 0 .5em;color:var(--ink,#F4ECD8)}
.banks-net__head p{color:var(--ink-2,rgba(244,236,216,.76));font-size:1.02rem;line-height:1.7}

.marquee{position:relative;overflow:hidden;padding:10px 0;
  -webkit-mask-image:linear-gradient(90deg,transparent 0,#000 7%,#000 93%,transparent 100%);
          mask-image:linear-gradient(90deg,transparent 0,#000 7%,#000 93%,transparent 100%)}
.marquee__track{display:flex;width:max-content;animation:marqueeScroll 44s linear infinite;will-change:transform}
.marquee:hover .marquee__track,.marquee:focus-within .marquee__track{animation-play-state:paused}
.marquee__group{display:flex;gap:20px;padding-right:20px}
@keyframes marqueeScroll{from{transform:translate3d(0,0,0)}to{transform:translate3d(-50%,0,0)}}

.bank-chip{flex:0 0 auto;display:flex;flex-direction:column;align-items:center;justify-content:center;
  gap:12px;width:214px;height:120px;margin:0;padding:16px 18px;
  background:linear-gradient(180deg,#FFFFFF 0%,#F6EFDF 100%);
  border:1px solid rgba(201,169,97,.42);border-radius:16px;
  box-shadow:0 10px 24px rgba(0,0,0,.30);
  transition:transform .35s var(--ease,cubic-bezier(.22,.61,.36,1)),box-shadow .35s ease,border-color .35s ease}
.bank-chip:hover{transform:translateY(-6px);box-shadow:0 18px 34px rgba(0,0,0,.38);border-color:var(--gold,#C9A961)}
.bank-chip img{width:auto;max-width:100%;height:46px;object-fit:contain;flex:0 0 auto}
.bank-chip figcaption{font-family:var(--font-body,'Inter',sans-serif);font-size:.7rem;font-weight:600;
  letter-spacing:.1em;text-transform:uppercase;color:#5B4A24;text-align:center;line-height:1.3}
.marquee-note{margin-top:30px;text-align:center;font-size:.86rem;color:var(--ink-3,rgba(244,236,216,.55))}
.marquee-note i{color:var(--gold,#C9A961);margin-right:.45em}

@media (max-width:720px){
  .banks-net-section{padding-top:70px;padding-bottom:70px}
  .bank-chip{width:168px;height:104px;padding:12px;gap:9px}
  .bank-chip img{height:36px}
  .bank-chip figcaption{font-size:.62rem;letter-spacing:.08em}
}
@media (prefers-reduced-motion:reduce){
  .marquee{overflow-x:auto;mask-image:none;-webkit-mask-image:none}
  .marquee__track{animation:none}
  .marquee__group[aria-hidden="true"]{display:none}
  .bank-chip{transition:none}
}

/* logo sizing override — any aspect ratio fits the chip without distortion */
.bank-chip img{width:auto;height:auto;max-width:100%;max-height:46px;object-fit:contain}
@media (max-width:720px){.bank-chip img{max-height:36px}}

/* ======================================================================
   BANKING NETWORK / BANK PARTNERSHIPS  —  partner-bank marquee
   Paste at the END of css/styles.css (order matters: these override
   .section padding and the global heading/image rules).

   Markup this styles:
     section.section.banks-net-section > .container > .banks-net
       .banks-net__head  > .eyebrow | h2 > span.gold | p
       .banks-net__sub   > h3 > span.gold | em      (About page)
       .marquee > .marquee__track > .marquee__group ×2
                     figure.bank-chip > img + figcaption
       p.marquee-note

   Tune it from one place: the --bn-* variables below.
   ====================================================================== */

.section.banks-net-section{
  /* --- tunables --- */
  --bn-speed: 46s;          /* one full loop */
  --bn-gap: 20px;           /* space between tiles */
  --bn-tile-w: 216px;
  --bn-tile-h: 122px;
  --bn-logo-h: 46px;
  --bn-card-bg: linear-gradient(180deg,#FFFFFF 0%,#F6EFDF 100%);
  --bn-card-border: rgba(201,169,97,.45);
  --bn-card-ink: #5B4A24;   /* caption colour on the light tile */

  position: relative;
  padding-block: clamp(76px,9vw,124px);
  overflow: hidden;
}

/* soft gold glow behind the heading for a premium feel */
.section.banks-net-section::before{
  content:'';
  position:absolute;
  inset-inline:0;
  top:-10%;
  height:60%;
  background: radial-gradient(58% 100% at 50% 0%, rgba(201,169,97,.10), transparent 72%);
  pointer-events:none;
  z-index:0;
}
.banks-net{ position: relative; z-index: 1; }

/* ---------- heading block ---------- */
.banks-net__head{
  max-width: 820px;
  margin: 0 auto clamp(38px,4.5vw,54px);
  text-align: center;
}
.banks-net__head .eyebrow{ margin-bottom: 14px; }
.banks-net__head h2{
  font-size: clamp(2rem,4.2vw,3.15rem);
  line-height: 1.12;
  letter-spacing: -.015em;
  margin: 0 0 .5em;
  color: var(--ink);
}
.banks-net__head h2 .gold,
.banks-net__sub h3 .gold{
  /* guarantee the gold gradient even if the global .gold rule is absent */
  background: linear-gradient(120deg,var(--gold-2) 0%,var(--gold) 46%,var(--gold-3) 100%);
  -webkit-background-clip: text;
          background-clip: text;
  -webkit-text-fill-color: transparent;
          color: var(--gold);
}
.banks-net__head p{
  max-width: 720px;
  margin: 0 auto;
  font-size: clamp(1rem,1.35vw,1.08rem);
  line-height: 1.75;
  color: var(--ink-2);
}

/* ---------- secondary line (About page: h3 + em) ---------- */
.banks-net__sub{
  text-align: center;
  margin: 0 auto clamp(30px,3.6vw,44px);
}
.banks-net__sub h3{
  font-size: clamp(1.4rem,2.6vw,1.95rem);
  line-height: 1.2;
  letter-spacing: -.01em;
  margin: 0 0 .45em;
  color: var(--ink);
}
.banks-net__sub em{
  display: block;
  font-size: clamp(.95rem,1.5vw,1.05rem);
  line-height: 1.6;
  color: var(--ink-2);
  letter-spacing: .01em;
}

/* ---------- marquee viewport ---------- */
.marquee{
  position: relative;
  padding-block: clamp(26px,3vw,38px);
  overflow: hidden;
  /* fade the row out at both edges instead of hard-cutting tiles */
  -webkit-mask-image: linear-gradient(90deg,transparent 0,#000 7%,#000 93%,transparent 100%);
          mask-image: linear-gradient(90deg,transparent 0,#000 7%,#000 93%,transparent 100%);
}
/* hairline gold band, square to the site's border language */
.marquee::before,
.marquee::after{
  content:'';
  position:absolute;
  inset-inline:0;
  height:1px;
  background: linear-gradient(90deg,transparent,var(--border-2) 22%,var(--border-2) 78%,transparent);
}
.marquee::before{ top: 0; }
.marquee::after{ bottom: 0; }

.marquee__track{
  display: flex;
  width: max-content;
  animation: bankNetworkScroll var(--bn-speed) linear infinite;
  will-change: transform;
}
/* two identical groups -> shifting the track by exactly -50% loops seamlessly */
.marquee__group{
  display: flex;
  align-items: center;
  gap: var(--bn-gap);
  padding-right: var(--bn-gap);
  user-select: none;
}
.marquee__group[aria-hidden="true"]{ pointer-events: none; }

/* pause on hover and on keyboard focus so a visitor can read a tile */
.marquee:hover .marquee__track,
.marquee:focus-within .marquee__track{
  animation-play-state: paused;
}

@keyframes bankNetworkScroll{
  from{ transform: translate3d(0,0,0); }
  to  { transform: translate3d(-50%,0,0); }
}

/* ---------- bank tiles ---------- */
.bank-chip{
  flex: 0 0 auto;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 12px;
  width: var(--bn-tile-w);
  height: var(--bn-tile-h);
  margin: 0;
  padding: 16px 18px;
  background: var(--bn-card-bg);
  border: 1px solid var(--bn-card-border);
  border-radius: var(--r-md,14px);
  box-shadow: 0 10px 24px rgba(0,0,0,.30), inset 0 1px 0 rgba(255,255,255,.65);
  transition:
    transform .35s var(--ease),
    box-shadow .35s ease,
    border-color .35s ease;
}
.bank-chip img{
  width: auto;
  height: auto;
  max-width: 100%;
  max-height: var(--bn-logo-h);
  object-fit: contain;
  flex: 0 0 auto;
  /* Optional: mute the wall until hover — uncomment both lines below.
  filter: grayscale(1) opacity(.78);
  */
}
.bank-chip figcaption{
  font-family: inherit;
  font-size: .68rem;
  font-weight: 600;
  line-height: 1.3;
  letter-spacing: .11em;
  text-transform: uppercase;
  text-align: center;
  color: var(--bn-card-ink);
}

/* hover lift only where a real pointer exists (no sticky state on touch) */
@media (hover:hover){
  .bank-chip:hover{
    transform: translateY(-6px);
    border-color: var(--gold);
    box-shadow: 0 20px 38px rgba(0,0,0,.38), 0 0 0 1px rgba(201,169,97,.28);
  }
  /* Uncomment if you enabled the grayscale filter above:
  .bank-chip:hover img{ filter: none; }
  */
}

/* ---------- footnote line ---------- */
.marquee-note{
  margin: clamp(24px,3vw,32px) auto 0;
  max-width: 860px;
  text-align: center;
  font-size: .86rem;
  line-height: 1.7;
  color: var(--ink-3);
}
.marquee-note i{
  color: var(--gold);
  margin-right: .45em;
}

/* ====================== responsive ====================== */
@media (max-width:1024px){
  .section.banks-net-section{
    --bn-tile-w: 190px;
    --bn-tile-h: 112px;
    --bn-logo-h: 40px;
    --bn-gap: 16px;
    --bn-speed: 54s;
  }
}
@media (max-width:720px){
  .section.banks-net-section{
    --bn-tile-w: 168px;
    --bn-tile-h: 104px;
    --bn-logo-h: 34px;
    --bn-gap: 14px;
    --bn-speed: 62s;
    padding-block: 70px;
  }
  .bank-chip{ padding: 12px; gap: 9px; }
  .bank-chip figcaption{ font-size: .62rem; letter-spacing: .08em; }
  .banks-net__head{ margin-bottom: 34px; }
  .marquee{ mask-image: linear-gradient(90deg,#000 0,#000 100%);
           -webkit-mask-image: linear-gradient(90deg,#000 0,#000 100%); }
}
@media (max-width:480px){
  .section.banks-net-section{
    --bn-tile-w: 148px;
    --bn-tile-h: 96px;
    --bn-logo-h: 30px;
  }
  .banks-net__head p{ font-size: .97rem; }
}

/* ============== accessibility: motion, zoom, print ============== */
@media (prefers-reduced-motion:reduce){
  .marquee{
    overflow-x: auto;                 /* becomes a swipeable row */
    -webkit-mask-image: none;
            mask-image: none;
    scrollbar-width: thin;
  }
  .marquee__track{ animation: none; }
  .marquee__group[aria-hidden="true"]{ display: none; }  /* drop the duplicate */
  .bank-chip{ transition: none; }
  .bank-chip:hover{ transform: none; }
}
@media print{
  .marquee{ overflow: visible; -webkit-mask-image: none; mask-image: none; }
  .marquee__track{ animation: none; }
  .bank-chip{ box-shadow: none; }
}