:root{
  --navy:#0F1F3D; --navy-2:#1B2F57; --amber:#E8A93B; --amber-d:#B97A12;
  --paper:#FFFFFF; --mist:#F3F5F9; --line:#DDE2EC; --text:#1E2A44; --muted:#56627D;
  --ok:#1F7A4D; --err:#B3261E;
  --pad:clamp(20px,5vw,64px); --max:1120px;
  --bubble:22px 22px 22px 6px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:'Poppins',system-ui,sans-serif;color:var(--text);background:var(--paper);line-height:1.65;font-size:1rem;-webkit-font-smoothing:antialiased}
img,svg{max-width:100%;display:block}
a{color:var(--navy);text-underline-offset:3px}
a:hover{color:var(--amber-d)}
:focus-visible{outline:3px solid var(--amber);outline-offset:3px;border-radius:4px}
.skip{position:absolute;left:-999px;top:8px;background:var(--amber);color:var(--navy);padding:8px 14px;border-radius:8px;z-index:100}
.skip:focus{left:8px}
h1,h2,h3{font-weight:600;line-height:1.15;letter-spacing:-.02em;color:var(--navy);margin:0 0 .5em}
h1{font-size:clamp(2.3rem,5.6vw,4.2rem);letter-spacing:-.035em}
h2{font-size:clamp(1.7rem,3.4vw,2.5rem)}
h3{font-size:1.2rem;letter-spacing:-.01em}
p{margin:0 0 1em;max-width:62ch}
.wrap{max-width:var(--max);margin:0 auto;padding:0 var(--pad)}
.sec{padding:clamp(56px,9vw,112px) 0}
.sec.mist{background:var(--mist)}
.sec.navy{background:var(--navy);color:#DCE3F2}
.sec.navy h2,.sec.navy h3{color:#fff}
.lead{font-size:1.15rem;color:var(--muted)}
.navy .lead{color:#B9C4DC}

/* header */
.hdr{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.94);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.hdr .wrap{display:flex;align-items:center;gap:20px;height:68px}
.brand{font-weight:700;font-size:1.3rem;letter-spacing:-.03em;text-decoration:none;color:var(--navy);display:flex;align-items:center;gap:10px;margin-right:auto}
.brand i{width:30px;height:26px;background:var(--navy);border-radius:var(--bubble);position:relative;display:block}
.brand i::after{content:"";position:absolute;right:5px;top:9px;width:8px;height:8px;border-radius:50%;background:var(--amber);box-shadow:-9px 0 0 var(--amber)}
.brand b{color:var(--amber-d);font-weight:700}
.nav{display:flex;gap:22px;align-items:center}
.nav a{text-decoration:none;font-size:.93rem;font-weight:500;padding:6px 0;border-bottom:2px solid transparent}
.nav a[aria-current=page]{border-color:var(--amber)}
.nav a:hover{border-color:var(--navy)}
.lang{font-size:.85rem;font-weight:600;border:1.5px solid var(--navy);border-radius:999px;padding:4px 12px;text-decoration:none}
.lang:hover{background:var(--navy);color:#fff}
.menu-btn{display:none;background:none;border:1.5px solid var(--navy);border-radius:10px;padding:8px 12px;font:inherit;font-weight:600;color:var(--navy);cursor:pointer}
@media(max-width:900px){
  .menu-btn{display:block}
  .nav{display:none;position:absolute;top:68px;left:0;right:0;background:#fff;flex-direction:column;align-items:flex-start;padding:16px var(--pad) 24px;border-bottom:1px solid var(--line);gap:12px}
  .nav.open{display:flex}
  .nav a{font-size:1.05rem}
}

/* buttons */
.btn{display:inline-block;background:var(--amber);color:var(--navy);font:inherit;font-weight:600;padding:13px 26px;border-radius:999px;text-decoration:none;border:2px solid var(--amber);cursor:pointer;transition:background .15s}
.btn:hover{background:#F3BE5E;color:var(--navy)}
.btn.ghost{background:transparent;color:var(--navy);border-color:var(--navy)}
.btn.ghost:hover{background:var(--navy);color:#fff}
.navy .btn.ghost{color:#fff;border-color:#fff}
.navy .btn.ghost:hover{background:#fff;color:var(--navy)}
.row{display:flex;gap:14px;flex-wrap:wrap;margin-top:28px}

/* hero */
.hero{background:var(--navy);color:#DCE3F2;overflow:hidden}
.hero .wrap{display:grid;grid-template-columns:1.15fr .85fr;gap:48px;align-items:center;padding-top:clamp(48px,8vw,104px);padding-bottom:clamp(56px,9vw,112px)}
.hero h1{color:#fff}
.hero .lead{color:#B9C4DC;max-width:48ch}
.hero .kicker{display:inline-block;background:rgba(232,169,59,.16);color:var(--amber);font-weight:600;font-size:.88rem;padding:5px 14px;border-radius:999px;margin-bottom:20px}
.chat{display:flex;flex-direction:column;gap:14px;max-width:380px;justify-self:end;width:100%}
.msg{padding:16px 20px;border-radius:var(--bubble);font-size:1.05rem;font-weight:500;max-width:88%;opacity:0;transform:translateY(10px);animation:pop .5s forwards}
.msg small{display:block;font-size:.72rem;font-weight:500;opacity:.7;margin-top:4px}
.msg.a{background:var(--amber);color:var(--navy)}
.msg.b{background:#fff;color:var(--navy);align-self:flex-end;border-radius:22px 22px 6px 22px}
.msg.c{background:var(--navy-2);color:#fff}
.msg:nth-child(1){animation-delay:.3s}.msg:nth-child(2){animation-delay:1.3s}.msg:nth-child(3){animation-delay:2.3s}.msg:nth-child(4){animation-delay:3.3s}
@keyframes pop{to{opacity:1;transform:none}}
@media(max-width:860px){.hero .wrap{grid-template-columns:1fr}.chat{justify-self:start}}
@media(prefers-reduced-motion:reduce){.msg{animation:none;opacity:1;transform:none}html{scroll-behavior:auto}}

/* two-column text */
.split{display:grid;grid-template-columns:1fr 1fr;gap:clamp(28px,5vw,72px)}
@media(max-width:800px){.split{grid-template-columns:1fr}}
.tracks{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin-top:28px}
.track{padding:28px;border-radius:var(--bubble);background:var(--mist)}
.track.alt{background:var(--navy);color:#DCE3F2}.track.alt h3{color:#fff}
@media(max-width:700px){.tracks{grid-template-columns:1fr}}
.steps{list-style:none;padding:0;margin:32px 0 0;counter-reset:s;display:grid;grid-template-columns:repeat(3,1fr);gap:28px}
.steps li{counter-increment:s;border-top:3px solid var(--amber);padding-top:16px}
.steps li::before{content:counter(s);display:block;font-weight:700;font-size:2.2rem;color:var(--amber-d);line-height:1}
.steps h3{margin-top:10px}
@media(max-width:800px){.steps{grid-template-columns:1fr}}
.pillars{display:grid;grid-template-columns:repeat(2,1fr);gap:0 48px;margin-top:24px}
.pillars div{border-top:1px solid var(--line);padding:20px 0}
@media(max-width:700px){.pillars{grid-template-columns:1fr}}

/* currency */
.cur{display:inline-flex;background:var(--mist);border-radius:999px;padding:4px;gap:2px;margin:6px 0 0}
.cur button{border:0;background:none;font:inherit;font-weight:600;font-size:.9rem;padding:7px 18px;border-radius:999px;cursor:pointer;color:var(--muted)}
.cur button[aria-pressed=true]{background:var(--navy);color:#fff}
.banner{background:var(--amber);color:var(--navy);border-radius:var(--bubble);padding:20px 26px;display:flex;gap:20px;align-items:center;justify-content:space-between;flex-wrap:wrap;margin:32px 0}
.banner strong{font-size:1.15rem}

/* program ledger */
.prog{display:grid;grid-template-columns:1fr auto;gap:8px 32px;padding:28px 0;border-top:1px solid var(--line)}
.prog:last-child{border-bottom:1px solid var(--line)}
.prog ul{margin:8px 0 0;padding-left:1.1em;color:var(--muted)}
.prog .pr{text-align:right;font-weight:700;font-size:1.9rem;color:var(--navy);letter-spacing:-.03em;white-space:nowrap}
.prog .pr small{display:block;font-weight:500;font-size:.8rem;color:var(--muted);letter-spacing:0}
@media(max-width:600px){.prog{grid-template-columns:1fr}.prog .pr{text-align:left}}
.tbl{width:100%;border-collapse:collapse;margin-top:20px}
.tbl th,.tbl td{padding:14px 12px;text-align:left;border-bottom:1px solid var(--line)}
.tbl th{font-size:.85rem;color:var(--muted);font-weight:600}
.tbl td:not(:first-child){font-weight:600}
.tblw{overflow-x:auto}
.note{font-size:.9rem;color:var(--muted)}

/* faq / policies */
details{border-top:1px solid var(--line);padding:16px 0}
details:last-of-type{border-bottom:1px solid var(--line)}
summary{cursor:pointer;font-weight:600;color:var(--navy);list-style:none;display:flex;justify-content:space-between;gap:16px}
summary::after{content:"+";font-size:1.4rem;line-height:1;color:var(--amber-d)}
details[open] summary::after{content:"–"}
details p{margin:.7em 0 0;color:var(--muted)}

/* forms */
form.f{display:grid;gap:18px;max-width:640px}
.g2{display:grid;grid-template-columns:1fr 1fr;gap:18px}
@media(max-width:600px){.g2{grid-template-columns:1fr}}
label{font-weight:500;font-size:.92rem;display:grid;gap:6px}
input,select,textarea{font:inherit;padding:12px 14px;border:1.5px solid #B9C1D3;border-radius:12px;background:#fff;color:var(--text);width:100%}
input:focus,select:focus,textarea:focus{outline:3px solid rgba(232,169,59,.5);border-color:var(--amber-d)}
textarea{min-height:130px;resize:vertical}
.chk{display:flex;gap:10px;align-items:flex-start;font-weight:400}
.chk input{width:20px;height:20px;margin-top:3px;flex:none}
.hp{position:absolute;left:-9999px;height:0;overflow:hidden}
.status{padding:14px 18px;border-radius:12px;font-weight:500;display:none}
.status.ok{display:block;background:#E6F4EC;color:var(--ok)}
.status.err{display:block;background:#FCEBEA;color:var(--err)}
.stars{display:flex;gap:6px;border:0;padding:0;margin:0}
.stars legend{font-weight:500;font-size:.92rem;margin-bottom:6px;padding:0}
.stars label{display:inline-flex;gap:4px;align-items:center;font-weight:600;border:1.5px solid #B9C1D3;border-radius:999px;padding:6px 14px;cursor:pointer}
.stars input{width:auto;position:absolute;opacity:0}
.stars label:has(input:checked){background:var(--amber);border-color:var(--amber)}
.stars label:has(input:focus-visible){outline:3px solid var(--navy)}
.rev{padding:22px 24px;background:var(--mist);border-radius:var(--bubble);margin:0 0 16px;max-width:62ch}
.rev p{margin:0 0 .6em}.rev cite{font-style:normal;font-weight:600;color:var(--navy)}
.rev .s{color:var(--amber-d);letter-spacing:2px}

/* hub */
.lock{max-width:440px;margin:0 auto;text-align:center}
.lock form{display:grid;gap:14px;margin-top:20px}
.hub-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(280px,1fr));gap:20px;margin-top:24px}
.hub-item{background:var(--mist);border-radius:var(--bubble);padding:22px}
.hub-item .ph{aspect-ratio:16/9;background:var(--navy);border-radius:12px;display:grid;place-items:center;color:#B9C4DC;font-size:.9rem;text-align:center;padding:12px;margin-bottom:12px}
.hub-item iframe{width:100%;aspect-ratio:16/9;border:0;border-radius:12px}
.hub-item audio{width:100%}
.fc{perspective:900px;cursor:pointer;border:0;background:none;padding:0;font:inherit;width:100%}
.fc span{display:grid;place-items:center;min-height:150px;padding:20px;border-radius:var(--bubble);background:var(--navy);color:#fff;font-weight:600;font-size:1.2rem;text-align:center}
.fc[aria-pressed=true] span{background:var(--amber);color:var(--navy)}

/* footer */
.ftr{background:var(--navy);color:#B9C4DC;padding:56px 0 32px;font-size:.92rem}
.ftr a{color:#fff}
.ftr .cols{display:grid;grid-template-columns:2fr 1fr 1fr;gap:32px}
.ftr h3{color:#fff;font-size:1rem}
.ftr ul{list-style:none;padding:0;margin:0;display:grid;gap:6px}
.ftr .small{margin-top:32px;border-top:1px solid #2A3E66;padding-top:20px;font-size:.82rem}
@media(max-width:700px){.ftr .cols{grid-template-columns:1fr}}
.wa{position:fixed;right:18px;bottom:18px;background:#25D366;color:#073B1E;font-weight:600;padding:12px 18px;border-radius:999px;text-decoration:none;box-shadow:0 6px 20px rgba(0,0,0,.25);z-index:40}
.wa:hover{color:#073B1E;background:#3CE07B}
.nav a.lang{padding:4px 14px;border:1.5px solid var(--navy)}
.nav a.lang:hover{background:var(--navy);color:#fff}
.tbl{min-width:420px}
.brand img{height:40px;width:auto}
.nav a.nav-cta{padding:8px 18px;border:2px solid var(--amber);font-size:.9rem}
.flogo{width:170px;height:auto;margin-bottom:12px}
.tabs{display:flex;flex-wrap:wrap;gap:8px;margin:24px 0 16px}
.tab{font:inherit;font-weight:600;font-size:.92rem;padding:9px 18px;border-radius:999px;border:1.5px solid var(--navy);background:#fff;color:var(--navy);cursor:pointer}
.tab[aria-pressed=true]{background:var(--navy);color:#fff}
.cal{width:100%;min-height:720px;border:1px solid var(--line);border-radius:16px;background:#fff}

.nav{gap:16px}.nav a{white-space:nowrap}
@media(max-width:1100px){.menu-btn{display:block}.nav{display:none;position:absolute;top:68px;left:0;right:0;background:#fff;flex-direction:column;align-items:flex-start;padding:16px var(--pad) 24px;border-bottom:1px solid var(--line);gap:12px}.nav.open{display:flex}}
.plans{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin:28px 0}
.plan{background:#fff;border-radius:var(--bubble);padding:24px;border:1.5px solid var(--line)}
.plan.hot{border-color:var(--amber);box-shadow:0 0 0 3px rgba(232,169,59,.25)}
.plan .pr{font-size:1.8rem;font-weight:700;color:var(--navy);margin:6px 0 10px}
.plan .pr small{display:block;font-size:.8rem;font-weight:500;color:var(--muted)}
.plan p{margin:0 0 .5em;font-size:.95rem}
.badge{font-size:.7rem;font-weight:600;background:var(--amber);color:var(--navy);padding:2px 10px;border-radius:999px;vertical-align:middle;margin-left:6px}
@media(max-width:800px){.plans{grid-template-columns:1fr}}
.revgrid{columns:2 340px;column-gap:20px;margin:28px 0 12px}
.revgrid .rev{break-inside:avoid;max-width:none}