/* =========================================================
   NOVATRUST DIGITAL BANK — DESIGN TOKENS
   Display: Fraunces (editorial serif, restrained use)
   Body/UI: Inter
   Data/mono: IBM Plex Mono (stats, card, ledger rows)
   ========================================================= */
:root{
  --navy: #0A3D91;
  --navy-deep: #051C42;
  --navy-mid: #123B87;
  --gold: #D4AF37;
  --gold-soft: #F1DA9B;
  --white: #FFFFFF;
  --gray-light: #F4F6F9;
  --gray-mid: #7C879C;
  --ink: #0C1526;
  --emerald: #1F9D6B;

  --font-display: "Fraunces", serif;
  --font-body: "Inter", -apple-system, BlinkMacSystemFont, sans-serif;
  --font-mono: "IBM Plex Mono", monospace;

  --radius-lg: 28px;
  --radius-md: 18px;
  --radius-sm: 10px;
  --container: 1180px;
  --shadow-soft: 0 20px 60px -20px rgba(10,61,145,0.25);
  --shadow-gold: 0 12px 30px -10px rgba(212,175,55,0.45);
}

*{box-sizing:border-box;}
html{scroll-behavior:smooth;}
body{
  margin:0;
  font-family:var(--font-body);
  color:var(--ink);
  background:var(--white);
  -webkit-font-smoothing:antialiased;
}
h1,h2,h3{font-family:var(--font-display); margin:0; line-height:1.08; font-weight:600;}
p{margin:0; color:var(--gray-mid); line-height:1.65;}
a{color:inherit; text-decoration:none;}
ul{margin:0; padding:0; list-style:none;}
button{font-family:inherit; cursor:pointer;}
img,svg{display:block; max-width:100%;}

@media (prefers-reduced-motion: reduce){
  *{animation-duration:0.001ms !important; animation-iteration-count:1 !important; transition-duration:0.001ms !important; scroll-behavior:auto !important;}
}

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

/* ---------- Buttons ---------- */
.btn{
  display:inline-flex; align-items:center; justify-content:center; gap:8px;
  padding:14px 26px; border-radius:999px; font-weight:600; font-size:0.95rem;
  border:1px solid transparent; transition:transform .25s ease, box-shadow .25s ease, background .25s ease;
  white-space:nowrap;
}
.btn:focus-visible{outline:3px solid var(--gold-soft); outline-offset:2px;}
.btn--gold{ background:linear-gradient(135deg, var(--gold), #b8912a); color:var(--navy-deep); box-shadow:var(--shadow-gold);}
.btn--gold:hover{ transform:translateY(-2px); box-shadow:0 16px 34px -8px rgba(212,175,55,0.55);}
.btn--ghost{ background:rgba(255,255,255,0.06); color:var(--white); border-color:rgba(255,255,255,0.35);}
.btn--ghost:hover{ background:rgba(255,255,255,0.14); transform:translateY(-2px);}
.btn--navy{ background:var(--navy); color:var(--white);}
.btn--navy:hover{ transform:translateY(-2px); box-shadow:var(--shadow-soft);}
.btn--lg{ padding:16px 32px; font-size:1rem;}
.link-btn{ font-weight:600; font-size:0.95rem; padding:10px 6px;}

/* ---------- Eyebrow / labels ---------- */
.eyebrow{
  font-family:var(--font-mono); text-transform:uppercase; letter-spacing:0.14em;
  font-size:0.72rem; color:var(--gold); font-weight:600; margin:0 0 14px;
}
.eyebrow--center{ text-align:center;}
.eyebrow--gold{ color:var(--gold-soft);}

/* ---------- Nav ---------- */
.nav{
  position:sticky; top:0; z-index:100;
  background:rgba(255,255,255,0.82); backdrop-filter:blur(14px);
  border-bottom:1px solid rgba(10,61,145,0.08);
  transition:box-shadow .3s ease;
}
.nav.is-scrolled{ box-shadow:0 8px 30px -14px rgba(5,28,66,0.2);}
.nav__inner{ display:flex; align-items:center; justify-content:space-between; padding:14px 24px; gap:24px;}
.brand{ display:flex; align-items:center; gap:10px;}
.brand__mark svg{ width:34px; height:34px;}
.brand__name{ font-family:var(--font-display); font-weight:600; font-size:1.2rem; color:var(--navy-deep); letter-spacing:-0.01em;}
.nav__links{ display:flex; gap:26px; flex:1; justify-content:center;}
.nav__links a{ font-size:0.92rem; font-weight:500; color:var(--ink); opacity:0.75; transition:opacity .2s ease, color .2s ease; position:relative;}
.nav__links a:hover{ opacity:1; color:var(--navy);}
.nav__actions{ display:flex; align-items:center; gap:14px;}
.nav__toggle{ display:none; flex-direction:column; gap:5px; background:none; border:none; padding:6px;}
.nav__toggle span{ width:22px; height:2px; background:var(--navy-deep); border-radius:2px;}

/* ---------- Hero ---------- */
.hero{
  position:relative; overflow:hidden;
  background:radial-gradient(120% 140% at 15% 0%, #0C4CAC 0%, var(--navy) 42%, var(--navy-deep) 100%);
  padding:96px 0 120px;
}
.hero__grid{
  position:absolute; inset:0;
  background-image:
    linear-gradient(rgba(212,175,55,0.06) 1px, transparent 1px),
    linear-gradient(90deg, rgba(212,175,55,0.06) 1px, transparent 1px);
  background-size:64px 64px;
  mask-image:radial-gradient(70% 70% at 70% 30%, black, transparent 90%);
}
.hero__inner{
  position:relative; display:grid; grid-template-columns:1.1fr 0.9fr; gap:56px; align-items:center;
}
.hero__headline{
  font-size:clamp(2.4rem, 4.6vw, 3.9rem); color:var(--white); font-weight:600; letter-spacing:-0.015em;
}
.hero__headline em{ font-style:italic; color:var(--gold-soft); font-weight:500;}
.hero__sub{ color:rgba(255,255,255,0.78); font-size:1.08rem; max-width:520px; margin:22px 0 34px;}
.hero__cta{ display:flex; gap:16px; flex-wrap:wrap; margin-bottom:32px;}
.hero__badges{ display:flex; gap:22px; flex-wrap:wrap;}
.hero__badges span{ font-family:var(--font-mono); font-size:0.78rem; color:rgba(255,255,255,0.65); letter-spacing:0.02em;}

/* ---- 3D card ---- */
.hero__visual{ position:relative; display:flex; justify-content:center; perspective:1400px;}
.card3d{ position:relative; width:340px; max-width:100%;}
.card3d__inner{
  position:relative; border-radius:22px; padding:28px 26px;
  background:linear-gradient(135deg, #123B87 0%, #0A3D91 55%, #082C6C 100%);
  box-shadow:0 40px 80px -30px rgba(0,0,0,0.6), 0 0 0 1px rgba(255,255,255,0.08) inset;
  transform:rotateY(-14deg) rotateX(6deg);
  transition:transform .4s ease;
  overflow:hidden;
  aspect-ratio:1.586/1;
  display:flex; flex-direction:column; justify-content:space-between;
}
.card3d:hover .card3d__inner{ transform:rotateY(-4deg) rotateX(2deg) scale(1.02);}
.card3d__row{ display:flex; justify-content:space-between; align-items:center;}
.card3d__bank{ font-family:var(--font-display); font-weight:600; color:var(--white); font-size:1.05rem; letter-spacing:0.03em;}
.card3d__type{ font-family:var(--font-mono); font-size:0.65rem; color:var(--gold-soft); letter-spacing:0.14em;}
.card3d__chip{ width:42px; height:32px; border-radius:6px; margin:14px 0 8px;
  background:linear-gradient(135deg,#F1DA9B,#B8912A);}
.card3d__number{ font-family:var(--font-mono); color:var(--white); font-size:1.12rem; letter-spacing:0.06em; margin:6px 0;}
.card3d__row--bottom{ align-items:flex-end;}
.card3d__label{ display:block; font-family:var(--font-mono); font-size:0.6rem; color:rgba(255,255,255,0.55); letter-spacing:0.08em; text-transform:uppercase;}
.card3d__value{ display:block; font-family:var(--font-mono); font-size:0.85rem; color:var(--white); margin-top:3px;}
.card3d__sheen{
  position:absolute; inset:0; background:linear-gradient(115deg, transparent 30%, rgba(255,255,255,0.22) 45%, transparent 60%);
  transform:translateX(-120%);
  animation:sheen 5s ease-in-out infinite;
}
@keyframes sheen{ 0%,60%{transform:translateX(-120%);} 80%{transform:translateX(120%);} 100%{transform:translateX(120%);} }

.dash-float{
  position:absolute; background:rgba(255,255,255,0.92); backdrop-filter:blur(10px);
  border-radius:14px; padding:10px 16px; box-shadow:var(--shadow-soft);
  display:flex; flex-direction:column; animation:float 5s ease-in-out infinite;
}
.dash-float__label{ font-family:var(--font-mono); font-size:0.62rem; color:var(--gray-mid); text-transform:uppercase; letter-spacing:0.06em;}
.dash-float__value{ font-weight:700; color:var(--navy-deep); font-size:0.95rem;}
.dash-float--1{ top:-8%; left:-14%; animation-delay:0s;}
.dash-float--2{ bottom:-6%; right:-10%; animation-delay:1.4s;}
@keyframes float{ 0%,100%{ transform:translateY(0);} 50%{ transform:translateY(-10px);} }

/* ---------- Reveal on scroll ---------- */
.reveal{ opacity:0; transform:translateY(24px); transition:opacity .7s ease, transform .7s ease; transition-delay:var(--delay,0ms);}
.reveal.is-visible{ opacity:1; transform:translateY(0);}

/* ---------- Stats strip ---------- */
.stats{ background:var(--gray-light); padding:56px 0;}
.stats__grid{ display:grid; grid-template-columns:repeat(4,1fr); gap:24px; text-align:center;}
.stat__num{ display:block; font-family:var(--font-mono); font-size:clamp(1.7rem,3vw,2.4rem); font-weight:600; color:var(--navy);}
.stat__label{ display:block; margin-top:8px; font-size:0.88rem; color:var(--gray-mid);}

/* ---------- Section basics ---------- */
.section{ padding:110px 0;}
.section--tint{ background:var(--gray-light);}
.section--navy{ background:linear-gradient(160deg, var(--navy-deep), var(--navy-mid)); }
.section__title{ font-size:clamp(1.8rem,3.2vw,2.5rem); text-align:center; max-width:760px; margin:0 auto 20px; color:var(--navy-deep);}
.section__title--light{ color:var(--white);}
.section__lead{ text-align:left; max-width:520px;}
.section .section__title{ margin-bottom:56px;}

/* ---------- Services grid ---------- */
.grid{ display:grid; gap:22px;}
.grid--services{ grid-template-columns:repeat(4,1fr);}
.tile{
  background:var(--white); border:1px solid rgba(10,61,145,0.08); border-radius:var(--radius-md);
  padding:28px 24px; transition:transform .3s ease, box-shadow .3s ease, border-color .3s ease;
}
.tile:hover{ transform:translateY(-6px); box-shadow:var(--shadow-soft); border-color:rgba(212,175,55,0.35);}
.tile__icon{ font-size:1.6rem; margin-bottom:14px;}
.tile h3{ font-size:1.05rem; margin-bottom:8px; color:var(--navy-deep); font-weight:600;}
.tile p{ font-size:0.9rem;}

/* ---------- Why grid ---------- */
.grid--why{ grid-template-columns:repeat(5,1fr);}
.why{ text-align:left; padding:8px;}
.why__icon{ font-size:1.5rem; display:block; margin-bottom:12px;}
.why h3{ color:var(--white); font-size:1rem; margin-bottom:8px; font-weight:600;}
.why p{ color:rgba(255,255,255,0.65); font-size:0.86rem;}

/* ---------- Digital banking ---------- */
.digital{ display:grid; grid-template-columns:0.9fr 1.1fr; gap:60px; align-items:center;}
.checklist{ margin:24px 0 30px; display:flex; flex-direction:column; gap:12px;}
.checklist li{ position:relative; padding-left:28px; color:var(--ink); font-size:0.95rem;}
.checklist li::before{ content:"✓"; position:absolute; left:0; color:var(--emerald); font-weight:700;}
.store-buttons{ display:flex; gap:14px; flex-wrap:wrap;}
.store-btn{ display:flex; align-items:center; gap:10px; background:var(--navy-deep); color:var(--white); padding:12px 18px; border-radius:12px; transition:transform .25s ease;}
.store-btn:hover{ transform:translateY(-3px);}
.store-btn__icon{ font-size:1.3rem;}
.store-btn small{ display:block; font-size:0.62rem; opacity:0.7;}
.store-btn strong{ display:block; font-size:0.9rem;}

.digital__visual{ position:relative; min-height:380px;}
.mockup-desktop{
  background:var(--white); border-radius:16px; box-shadow:var(--shadow-soft); overflow:hidden;
  border:1px solid rgba(10,61,145,0.08); width:100%;
}
.mockup-desktop__bar{ display:flex; gap:6px; padding:12px 16px; background:var(--gray-light);}
.mockup-desktop__bar span{ width:9px; height:9px; border-radius:50%; background:#D7DEE9;}
.mockup-desktop__body{ display:grid; grid-template-columns:64px 1fr;}
.mockup-desktop__side{ background:var(--navy-deep); display:flex; flex-direction:column; align-items:center; gap:16px; padding:20px 0;}
.mds__logo{ font-family:var(--font-mono); color:var(--gold-soft); font-weight:700; font-size:0.85rem;}
.mds__item{ width:26px; height:8px; border-radius:6px; background:rgba(255,255,255,0.18);}
.mds__item--active{ background:var(--gold);}
.mockup-desktop__main{ padding:22px 26px 26px;}
.mds__balance{ display:flex; flex-direction:column; margin-bottom:14px;}
.mds__balance span{ font-size:0.78rem; color:var(--gray-mid);}
.mds__balance strong{ font-family:var(--font-mono); font-size:1.5rem; color:var(--navy-deep);}
.mds__chart{ margin:10px 0 18px;}
.mds__rows{ display:flex; flex-direction:column; gap:10px;}
.mds__row{ display:flex; justify-content:space-between; font-size:0.84rem; padding:8px 0; border-top:1px solid var(--gray-light); color:var(--ink);}
.mds__row .pos{ color:var(--emerald); font-weight:600;}

.mockup-phone{
  position:absolute; right:-6%; bottom:-12%; width:150px; background:var(--navy-deep);
  border-radius:26px; padding:10px 8px; box-shadow:0 30px 60px -20px rgba(0,0,0,0.5); border:4px solid #051C42;
}
.mockup-phone__notch{ width:40px; height:6px; background:rgba(255,255,255,0.2); border-radius:6px; margin:0 auto 8px;}
.mockup-phone__screen{ background:linear-gradient(160deg,#123B87,#051C42); border-radius:16px; padding:16px 12px; min-height:220px;}
.mps__top{ color:rgba(255,255,255,0.7); font-size:0.68rem; margin-bottom:14px;}
.mps__balance{ font-family:var(--font-mono); color:var(--white); font-size:1.3rem; margin-bottom:18px;}
.mps__actions{ display:flex; flex-wrap:wrap; gap:8px;}
.mps__actions span{ font-size:0.6rem; background:rgba(255,255,255,0.1); color:var(--white); padding:6px 9px; border-radius:8px;}

/* ---------- Loans ---------- */
.loans{ display:grid; grid-template-columns:1fr 1fr; gap:60px; align-items:start;}
.loan-types{ display:flex; flex-wrap:wrap; gap:10px; margin:22px 0 30px;}
.loan-types span{ background:var(--white); border:1px solid rgba(10,61,145,0.15); padding:8px 14px; border-radius:999px; font-size:0.82rem; color:var(--navy);}
.loan-calc{ background:var(--white); border-radius:var(--radius-lg); padding:32px; box-shadow:var(--shadow-soft); border:1px solid rgba(10,61,145,0.08);}
.loan-calc h3{ font-size:1.2rem; color:var(--navy-deep); margin-bottom:20px; display:flex; align-items:center; gap:10px;}
.tag-demo{ font-family:var(--font-mono); font-size:0.6rem; background:var(--gray-light); color:var(--gray-mid); padding:3px 8px; border-radius:6px; text-transform:uppercase; letter-spacing:0.06em;}
.field{ display:flex; flex-direction:column; margin-bottom:20px; gap:8px;}
.field span{ font-size:0.85rem; font-weight:600; color:var(--ink);}
.field output{ font-family:var(--font-mono); font-size:0.85rem; color:var(--navy); align-self:flex-end;}
.field input[type="range"]{ width:100%; accent-color:var(--gold);}
.loan-result{ display:flex; gap:20px; margin:16px 0 10px; padding-top:16px; border-top:1px dashed rgba(10,61,145,0.15);}
.loan-result div{ flex:1; display:flex; flex-direction:column; gap:4px;}
.loan-result span{ font-size:0.78rem; color:var(--gray-mid);}
.loan-result strong{ font-family:var(--font-mono); font-size:1.25rem; color:var(--navy-deep);}
.fineprint{ font-size:0.72rem; color:var(--gray-mid); margin-top:10px;}

/* ---------- Investments ---------- */
.grid--invest{ grid-template-columns:repeat(3,1fr);}
.invest-card{ background:var(--white); border:1px solid rgba(10,61,145,0.1); border-radius:var(--radius-md); padding:28px; position:relative; transition:transform .3s ease;}
.invest-card:hover{ transform:translateY(-6px);}
.invest-card--featured{ border-color:var(--gold); box-shadow:var(--shadow-gold);}
.invest-card__badge{ position:absolute; top:-12px; right:24px; background:var(--gold); color:var(--navy-deep); font-size:0.68rem; font-weight:700; padding:5px 12px; border-radius:999px;}
.invest-card h3{ color:var(--navy-deep); font-size:1.15rem;}
.invest-card__sub{ font-size:0.82rem; margin:6px 0 16px;}
.invest-card__chart{ margin-bottom:16px;}
.invest-card__stat{ display:flex; justify-content:space-between; align-items:baseline; border-top:1px solid var(--gray-light); padding-top:14px;}
.invest-card__stat span{ font-size:0.78rem;}
.invest-card__stat strong{ font-family:var(--font-mono); color:var(--navy-deep);}

/* ---------- Business ---------- */
.grid--business{ grid-template-columns:repeat(4,1fr);}
.biz{ background:rgba(255,255,255,0.05); border:1px solid rgba(255,255,255,0.12); border-radius:var(--radius-md); padding:24px; transition:transform .3s ease, background .3s ease;}
.biz:hover{ transform:translateY(-6px); background:rgba(255,255,255,0.09);}
.biz h3{ color:var(--white); font-size:1.02rem; margin-bottom:8px;}
.biz p{ color:rgba(255,255,255,0.65); font-size:0.86rem;}

/* ---------- Security ---------- */
.security{ display:grid; grid-template-columns:0.7fr 1.3fr; gap:60px; align-items:center;}
.shield{ width:100%; max-width:260px; margin:0 auto; filter:drop-shadow(0 20px 40px rgba(10,61,145,0.25));}
.shield__check{ stroke-dasharray:120; stroke-dashoffset:120; animation:draw 1.6s ease forwards 0.4s;}
@keyframes draw{ to{ stroke-dashoffset:0;} }
.security__list{ display:flex; flex-direction:column; gap:14px; margin-top:24px;}
.security__list li{ font-size:0.95rem; color:var(--ink); padding-left:0;}
.security__list strong{ color:var(--navy-deep);}

/* ---------- Testimonials ---------- */
.grid--testimonials{ grid-template-columns:repeat(3,1fr);}
.testimonial{ background:var(--white); border-radius:var(--radius-md); padding:28px; border:1px solid rgba(10,61,145,0.08); margin:0;}
.testimonial p{ color:var(--ink); font-style:italic; margin-bottom:16px; font-size:0.96rem;}
.testimonial footer{ font-family:var(--font-mono); font-size:0.76rem; color:var(--gray-mid);}

/* ---------- FAQ / Accordion ---------- */
.faq{ max-width:820px;}
.accordion__item{ border-bottom:1px solid rgba(10,61,145,0.12);}
.accordion__trigger{
  width:100%; text-align:left; background:none; border:none; padding:20px 4px;
  display:flex; justify-content:space-between; align-items:center; font-size:1.02rem; font-weight:600; color:var(--navy-deep);
}
.accordion__trigger span{ font-size:1.3rem; color:var(--gold); transition:transform .25s ease;}
.accordion__trigger[aria-expanded="true"] span{ transform:rotate(45deg);}
.accordion__panel{ max-height:0; overflow:hidden; transition:max-height .3s ease;}
.accordion__panel p{ padding:0 4px 20px; font-size:0.92rem;}

/* ---------- Contact ---------- */
.contact{ display:grid; grid-template-columns:1fr 1fr; gap:60px;}
.contact__block{ margin:26px 0; padding-bottom:20px; border-bottom:1px solid rgba(255,255,255,0.12);}
.contact__label{ display:block; font-family:var(--font-mono); font-size:0.72rem; text-transform:uppercase; letter-spacing:0.08em; color:rgba(255,255,255,0.55); margin-bottom:8px;}
.contact__value{ display:inline-block; font-size:1.15rem; font-weight:600; color:var(--white);}
.contact__note{ font-size:0.8rem; color:rgba(255,255,255,0.5); margin-top:6px;}
.contact__block--highlight{ background:rgba(212,175,55,0.1); border:1px solid rgba(212,175,55,0.3); border-radius:16px; padding:20px; border-bottom:1px solid rgba(212,175,55,0.3);}
.contact__value--whatsapp{ display:inline-flex; align-items:center; gap:10px; color:var(--gold-soft); transition:transform .2s ease;}
.contact__value--whatsapp:hover{ transform:translateX(4px);}
.wa-icon{ font-size:1.3rem;}

.contact__form{ background:var(--white); border-radius:var(--radius-lg); padding:32px; box-shadow:var(--shadow-soft);}
.contact__form h3{ color:var(--navy-deep); margin-bottom:20px; font-size:1.2rem;}
.contact__form label{ display:flex; flex-direction:column; gap:6px; font-size:0.85rem; font-weight:600; color:var(--ink); margin-bottom:16px;}
.contact__form input, .contact__form textarea{
  font-family:var(--font-body); font-size:0.92rem; padding:12px 14px; border-radius:10px; border:1px solid rgba(10,61,145,0.18);
  resize:vertical; background:var(--gray-light);
}
.contact__form input:focus, .contact__form textarea:focus{ outline:2px solid var(--gold); outline-offset:1px; background:var(--white);}
.form__status{ margin-top:12px; font-size:0.85rem; color:var(--emerald); min-height:1.2em;}

/* ---------- Footer ---------- */
.footer{ background:var(--navy-deep); color:rgba(255,255,255,0.7); padding:70px 0 26px;}
.footer__grid{ display:grid; grid-template-columns:1.4fr 1fr 1fr 1fr 1.2fr; gap:32px; padding-bottom:40px; border-bottom:1px solid rgba(255,255,255,0.1);}
.footer__brand{ display:flex; flex-direction:column; gap:14px; max-width:220px;}
.footer__brand p{ color:rgba(255,255,255,0.55); font-size:0.85rem;}
.footer__col h4{ font-family:var(--font-body); color:var(--white); font-size:0.85rem; margin-bottom:16px; text-transform:uppercase; letter-spacing:0.06em;}
.footer__col a{ display:block; font-size:0.88rem; color:rgba(255,255,255,0.6); margin-bottom:10px; transition:color .2s ease;}
.footer__col a:hover{ color:var(--gold-soft);}
.footer__newsletter form{ display:flex; gap:8px; margin-bottom:16px;}
.footer__newsletter input{ flex:1; padding:10px 12px; border-radius:8px; border:none; background:rgba(255,255,255,0.1); color:var(--white); font-size:0.85rem;}
.footer__newsletter input::placeholder{ color:rgba(255,255,255,0.4);}
.footer__newsletter button{ background:var(--gold); border:none; border-radius:8px; padding:0 14px; font-weight:700; color:var(--navy-deep);}
.footer__social{ display:flex; gap:14px;}
.footer__social a{ width:32px; height:32px; border-radius:50%; background:rgba(255,255,255,0.08); display:flex; align-items:center; justify-content:center; font-size:0.85rem;}
.footer__bottom{ display:flex; justify-content:space-between; padding-top:24px; font-size:0.78rem; flex-wrap:wrap; gap:10px;}
.footer__credit strong{ color:var(--gold-soft);}

/* =========================================================
   RESPONSIVE
   ========================================================= */
@media (max-width:1024px){
  .grid--services{ grid-template-columns:repeat(3,1fr);}
  .grid--why{ grid-template-columns:repeat(3,1fr);}
  .grid--business{ grid-template-columns:repeat(2,1fr);}
  .footer__grid{ grid-template-columns:1fr 1fr 1fr;}
  .hero__inner{ grid-template-columns:1fr; text-align:center;}
  .hero__sub{ margin-left:auto; margin-right:auto;}
  .hero__cta, .hero__badges{ justify-content:center;}
  .hero__visual{ margin-top:40px;}
  .digital, .loans, .security, .contact{ grid-template-columns:1fr; gap:40px;}
  .section__lead{ text-align:center; margin:0 auto;}
}

@media (max-width:760px){
  .nav__links{ position:fixed; inset:70px 16px auto 16px; background:var(--white); border-radius:16px; flex-direction:column;
    padding:18px; box-shadow:var(--shadow-soft); gap:6px; transform:translateY(-12px); opacity:0; pointer-events:none; transition:all .25s ease;}
  .nav__links.is-open{ transform:translateY(0); opacity:1; pointer-events:auto;}
  .nav__links a{ padding:10px 6px;}
  .nav__toggle{ display:flex;}
  .nav .link-btn{ display:none;}
  .stats__grid{ grid-template-columns:repeat(2,1fr);}
  .grid--services, .grid--why, .grid--business, .grid--invest, .grid--testimonials{ grid-template-columns:1fr;}
  .section{ padding:70px 0;}
  .mockup-phone{ position:static; margin-top:20px; width:150px;}
  .digital__visual{ display:flex; flex-direction:column; align-items:center;}
}