/* ═══════════════════════════════════════════════════════════════
   FEDERAL CROWN BANK — Corporate Banking Edition
   Design : "Threadneedle Editorial" — Inspiré du prototype-fbc
   Palette : Navy institutionnel + Rouge accent + Papier chaud
   Typographie : Source Serif 4 (display) + Inter (body)
   ═══════════════════════════════════════════════════════════════ */

@import url('https://fonts.googleapis.com/css2?family=Inter:wght@400;500;600;700&family=Source+Serif+4:opsz,wght@8..60,400;8..60,500;8..60,600;8..60,700&family=JetBrains+Mono:wght@400;500&display=swap');

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

/* === DESIGN TOKENS === */
:root {
    /* ── Brand palette ── */
    --boa-red:        #C8102E;
    --boa-red-dark:   #A00C24;
    --boa-red-darker: #7A091B;

    /* ── Corporate navy stack ── */
    --navy-950:  #061429;
    --navy-900:  #061429;
    --navy-800:  #0B1F3A;
    --navy-700:  #122A4D;
    --navy-600:  #1B3866;
    --navy-500:  #1B3866;
    --boa-navy:       #0B1F3A;
    --boa-navy-2:     #122A4D;
    --boa-navy-3:     #1B3866;
    --boa-navy-ink:   #061429;

    /* ── Editorial neutrals (papier chaud) ── */
    --boa-white:      #FFFFFF;
    --boa-cream:      #F7F4EE;
    --boa-stone:      #ECE7DD;
    --boa-bg:         #F4F4F2;
    --boa-bg-alt:     #F9F8F6;
    --boa-line:       #D8D4CC;
    --boa-line-2:     #E5E2DA;
    --boa-line-strong:#1F1F1F;

    /* ── Text ── */
    --boa-text:       #111111;
    --boa-text-2:     #3A3A3A;
    --boa-text-3:     #5C5C5C;
    --boa-text-mute:  #8A8A8A;
    --boa-link:       #0B1F3A;

    /* ── Status ── */
    --boa-up:    #0E7C3A;
    --boa-down:  #B91C1C;
    --boa-flat:  #6B6B6B;

    /* ── Rétro-compat anciens noms ── */
    --gold:       #C8102E;
    --gold-hover: #A00C24;
    --gold-light: #FEF0F1;
    --gold-muted: rgba(200,16,46,0.08);
    --bordeaux:   #7A091B;
    --bordeaux-light: #FEF0F1;
    --ivory:     #F7F4EE;
    --slate-50:  #F9F8F6;
    --slate-100: #E5E2DA;
    --slate-200: #D8D4CC;
    --slate-300: #B5B0A6;
    --slate-400: #8A8A8A;
    --slate-500: #5C5C5C;
    --slate-600: #3A3A3A;
    --slate-700: #111111;
    --red:       #C8102E;
    --red-hover: #A00C24;
    --red-light: #FEF0F1;
    --navy:      #0B1F3A;
    --charcoal:  #061429;
    --gray-top:  #061429;
    --gray-mid:  #5C5C5C;
    --gray-light:#F9F8F6;
    --gray-bg:   #E5E2DA;
    --border:    #D8D4CC;
    --white:     #FFFFFF;
    --text:      #111111;
    --text-mid:  #3A3A3A;
    --text-muted:#5C5C5C;
    --link:      #0B1F3A;
    --link-hover:#C8102E;
    --green:     #0E7C3A;
    --green-bg:  #E8F5E9;

    /* ── Glass tokens (pour hero/login card) ── */
    --glass-bg:          rgba(255,255,255,0.04);
    --glass-bg-medium:   rgba(255,255,255,0.08);
    --glass-bg-strong:   rgba(255,255,255,0.12);
    --glass-border:      rgba(255,255,255,0.12);
    --glass-border-strong: rgba(255,255,255,0.18);
    --glass-blur:        20px;
    --glass-blur-heavy:  20px;
    --glass-light:       rgba(255,255,255,0.85);
    --glass-light-strong:rgba(255,255,255,0.94);
    --glass-light-border:rgba(255,255,255,0.5);

    /* ── Typographie ── */
    --font-display: "Source Serif 4", "Times New Roman", Georgia, serif;
    --font-body:    "Inter", "Helvetica Neue", Helvetica, Arial, sans-serif;
    --font-mono:    "JetBrains Mono", ui-monospace, Consolas, monospace;
    --font-sans:    var(--font-body);
    --font-serif:   var(--font-display);

    /* ── Radii — style institutionnel : restrained, pas de pills ── */
    --radius-sm:  3px;
    --radius-md:  4px;
    --radius-lg:  4px;
    --radius-xl:  4px;
    --radius-full:9999px;
    --r-xs: 2px;
    --r-sm: 3px;
    --r-md: 4px;

    /* ── Ombres (navy-tinted, restrained) ── */
    --shadow-sm:   0 1px 2px rgba(11,31,58,0.06), 0 1px 1px rgba(11,31,58,0.04);
    --shadow-md:   0 4px 12px rgba(11,31,58,0.08), 0 1px 3px rgba(11,31,58,0.05);
    --shadow-lg:   0 12px 32px rgba(11,31,58,0.12), 0 4px 8px rgba(11,31,58,0.06);
    --shadow-xl:   0 12px 32px rgba(11,31,58,0.12), 0 4px 8px rgba(11,31,58,0.06);
    --shadow-gold: 0 6px 20px rgba(200,16,46,0.12);
    --shadow-glow: 0 0 40px rgba(11,31,58,0.08);
    --shadow-1: 0 1px 2px rgba(11,31,58,0.06), 0 1px 1px rgba(11,31,58,0.04);
    --shadow-2: 0 4px 12px rgba(11,31,58,0.08), 0 1px 3px rgba(11,31,58,0.05);
    --shadow-3: 0 12px 32px rgba(11,31,58,0.12), 0 4px 8px rgba(11,31,58,0.06);

    /* ── Transitions ── */
    --ease-out: cubic-bezier(0.2, 0.7, 0.2, 1);
    --duration: 0.16s;
}

/* === BASE === */
body {
    font-family: var(--font-body);
    color: var(--boa-text);
    background: var(--boa-white);
    font-size: 15px;
    line-height: 1.55;
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
    text-rendering: optimizeLegibility;
    font-feature-settings: "ss01", "cv11";
}
a { text-decoration: none; color: var(--boa-link); transition: color var(--duration) var(--ease-out); }
a:hover { color: var(--link-hover); text-decoration: underline; text-underline-offset: 3px; }
button { font-family: var(--font-body); cursor: pointer; border: none; background: none; }
ul { list-style: none; }
img { max-width: 100%; display: block; }

/* === DISPLAY TYPOGRAPHY — serif editorial === */
h1, h2, h3, h4, h5, h6,
.hero-title, .page-hero-title, .section-title,
.cta-strip h2, .offer-title, .stat-num, .plan-rate {
    font-family: var(--font-display);
    letter-spacing: -0.015em;
    font-weight: 600;
    color: var(--boa-navy-ink);
    line-height: 1.1;
    text-wrap: balance;
}
h1 { font-size: clamp(38px, 4.6vw, 64px); font-weight: 500; letter-spacing: -0.025em; }
h2 { font-size: clamp(28px, 3vw, 42px); font-weight: 500; letter-spacing: -0.02em; }
h3 { font-size: clamp(22px, 2vw, 28px); }
h4 { font-size: 18px; }

/* Tabular figures */
.num, .boa-stat__value, .boa-num { font-variant-numeric: tabular-nums; font-feature-settings: "tnum"; }

/* Eyebrow label */
.boa-eyebrow {
    font-family: var(--font-body);
    font-size: 11px;
    font-weight: 600;
    letter-spacing: 0.18em;
    text-transform: uppercase;
    color: var(--boa-red);
}
.boa-eyebrow--ink { color: var(--boa-navy-ink); }
.boa-eyebrow--mute { color: var(--boa-text-mute); }

/* === Skip link === */
.skip-link { position: absolute; top: -60px; left: 16px; background: var(--boa-red); color: #fff; padding: 10px 20px; font-size: 13px; font-weight: 600; z-index: 9999; transition: top 0.2s; border-radius: 0 0 var(--radius-sm) var(--radius-sm); }
.skip-link:focus { top: 0; }

/* ================================================================
   UTILITY BAR — near-black, editorial
================================================================ */
.utility-bar {
    background: var(--boa-navy-ink);
    height: 36px;
    display: flex; align-items: center; justify-content: flex-end;
    padding: 0 24px; gap: 0;
    border-bottom: none;
    color: rgba(255,255,255,0.75);
    font-size: 12px;
    letter-spacing: 0.02em;
}
.utility-bar a { color: rgba(255,255,255,0.75); font-size: 12px; font-weight: 500; padding: 0 14px; height: 36px; display: flex; align-items: center; border-right: 1px solid rgba(255,255,255,0.15); transition: all var(--duration); gap: 6px; letter-spacing: 0.3px; text-decoration: none; }
.utility-bar a:first-child { border-left: 1px solid rgba(255,255,255,0.15); }
.utility-bar a:hover { color: #fff; background: rgba(255,255,255,0.06); text-decoration: none; }
.utility-bar a i { width: 13px; height: 13px; }
.utility-bar .sign-in {
    background: var(--boa-red);
    color: #fff;
    font-weight: 600; padding: 0 22px;
    border-right: none !important; border-left: none !important;
    margin-left: 8px; letter-spacing: 0.3px;
    border-radius: var(--r-sm);
    transition: all var(--duration);
}
.utility-bar .sign-in:hover { background: var(--boa-red-dark); color: #fff; }

/* ================================================================
   MAIN NAV — white, hairline border, editorial
================================================================ */
.main-nav {
    background: var(--boa-white);
    position: sticky; top: 0; z-index: 100;
    border-bottom: 1px solid var(--boa-line);
    box-shadow: none;
}
.nav-inner { max-width: 1280px; margin: 0 auto; display: flex; align-items: stretch; padding: 0 24px; height: 64px; }

.nav-logo { display: flex; align-items: center; gap: 12px; padding-right: 24px; border-right: 1px solid var(--boa-line); margin-right: 6px; text-decoration: none; flex-shrink: 0; }
.nav-logo-eagle { width: 42px; height: 42px; display: flex; align-items: center; justify-content: center; }
.nav-logo-eagle svg { width: 42px; height: 42px; }
.nav-logo-text { color: var(--boa-navy-ink); }
.nav-logo-text .line1 { font-size: 17px; font-weight: 600; letter-spacing: -0.01em; display: block; line-height: 1.1; font-family: var(--font-display); color: var(--boa-navy-ink); }
.nav-logo-text .line2 { font-size: 9px; font-weight: 600; letter-spacing: 0.22em; display: block; color: var(--boa-red); text-transform: uppercase; margin-top: 4px; }

.nav-items { display: flex; align-items: stretch; flex: 1; }
.nav-item { position: relative; display: flex; align-items: center; }
.nav-item > a { display: flex; align-items: center; gap: 5px; padding: 0 14px; height: 100%; color: var(--boa-navy-ink); font-size: 14px; font-weight: 500; white-space: nowrap; border-bottom: 2px solid transparent; margin-bottom: -1px; transition: all var(--duration) var(--ease-out); letter-spacing: -0.005em; text-decoration: none; }
.nav-item > a i { width: 12px; height: 12px; opacity: 0.5; transition: opacity var(--duration); color: var(--boa-text-3); }
.nav-item > a:hover { color: var(--boa-navy-ink); background: var(--boa-bg); text-decoration: none; }
.nav-item > a:hover i { opacity: 0.9; }
.nav-item.active > a { color: var(--boa-navy-ink); border-bottom-color: var(--boa-red); }

/* Dropdown */
.dropdown {
    display: none; position: absolute; top: 100%; left: -8px;
    background: var(--boa-white);
    border: 1px solid var(--boa-line);
    box-shadow: var(--shadow-2);
    min-width: 280px; z-index: 200; padding: 8px 0;
    border-radius: 0 0 var(--r-md) var(--r-md);
    border-top: 2px solid var(--boa-red);
}
.nav-item:hover .dropdown { display: block; }
.dropdown a { display: block; padding: 11px 20px; font-size: 14px; color: var(--boa-text-2); border-left: 2px solid transparent; border-bottom: 1px solid var(--boa-line-2); transition: all 0.16s; text-decoration: none; }
.dropdown a:last-child { border-bottom: none; }
.dropdown a:hover { background: var(--boa-bg-alt); color: var(--boa-navy-ink); border-left-color: var(--boa-red); text-decoration: none; }
.dropdown-label { padding: 12px 20px 6px; font-size: 10px; font-weight: 600; text-transform: uppercase; letter-spacing: 0.18em; color: var(--boa-red); }

.nav-right { display: flex; align-items: center; margin-left: auto; gap: 4px; }
.nav-search-btn { width: 44px; height: 44px; background: transparent; border: 1px solid var(--boa-line); border-radius: var(--r-sm); color: var(--boa-navy-ink); display: flex; align-items: center; justify-content: center; transition: all var(--duration); }
.nav-search-btn:hover { border-color: var(--boa-navy-ink); }
.nav-search-btn i { width: 16px; height: 16px; }

/* === Mobile hamburger === */
.nav-hamburger { display: none; background: transparent; border: 1px solid var(--boa-line); border-radius: var(--r-sm); width: 38px; height: 38px; align-items: center; justify-content: center; color: var(--boa-navy-ink); }
.nav-hamburger i { width: 20px; height: 20px; }

/* === Mobile nav drawer === */
.mobile-nav { display: none; position: fixed; inset: 0; z-index: 300; }
.mobile-nav.open { display: flex; }
.mobile-nav-overlay { position: absolute; inset: 0; background: rgba(0,0,0,0.5); }
.mobile-nav-drawer { position: relative; width: 300px; background: #fff; height: 100%; overflow-y: auto; z-index: 1; display: flex; flex-direction: column; }
.mobile-nav-header { background: var(--boa-navy-ink); padding: 16px 20px; display: flex; align-items: center; justify-content: space-between; }
.mobile-nav-header .logo-text { color: #fff; font-size: 14px; font-weight: 600; font-family: var(--font-display); }
.mobile-nav-close { background: none; border: none; color: #fff; cursor: pointer; padding: 4px; }
.mobile-nav-close i { width: 20px; height: 20px; }
.mobile-nav-body { flex: 1; }
.mobile-nav-section { border-bottom: 1px solid var(--boa-line); }
.mobile-nav-parent { display: flex; align-items: center; justify-content: space-between; padding: 14px 20px; font-size: 14px; font-weight: 600; color: var(--boa-navy-ink); cursor: pointer; font-family: var(--font-display); }
.mobile-nav-parent i { width: 14px; height: 14px; color: var(--boa-text-mute); transition: transform 0.2s; }
.mobile-nav-parent.expanded i { transform: rotate(180deg); }
.mobile-nav-children { display: none; background: var(--boa-bg-alt); }
.mobile-nav-children.open { display: block; }
.mobile-nav-children a { display: block; padding: 10px 20px 10px 32px; font-size: 13px; color: var(--boa-text-2); border-bottom: 1px solid var(--boa-line-2); text-decoration: none; }
.mobile-nav-children a:hover { color: var(--boa-red); background: rgba(200,16,46,0.04); text-decoration: none; }
.mobile-nav-footer { padding: 20px; border-top: 1px solid var(--boa-line); display: flex; flex-direction: column; gap: 10px; }
.mobile-signin-btn { display: block; padding: 13px; background: var(--boa-red); color: #fff; font-size: 14px; font-weight: 600; border-radius: var(--r-sm); text-align: center; }

/* ================================================================
   ALERT BANNER
================================================================ */
.alert-banner { background: #FFFBEB; border-bottom: 1px solid #FDE68A; padding: 10px 24px; display: flex; align-items: center; justify-content: center; gap: 10px; font-size: 13px; color: #92400E; }
.alert-banner i { width: 16px; height: 16px; color: #D97706; flex-shrink: 0; }
.alert-banner a { color: var(--boa-navy); font-weight: 600; text-decoration: underline; }
.alert-close { background: none; border: none; cursor: pointer; color: #92400E; margin-left: auto; padding: 4px; }
.alert-close i { width: 16px; height: 16px; }
.alert-inner { display: flex; align-items: center; justify-content: space-between; max-width: 1280px; margin: 0 auto; padding: 0 24px; gap: 10px; }
/* Hit-zone elargi a 44x44 (WCAG 2.5.5) sans changer le visuel */
.alert-dismiss { background: none; border: none; cursor: pointer; color: #92400E; font-size: 20px; line-height: 1; flex-shrink: 0; min-width: 44px; min-height: 44px; display: inline-flex; align-items: center; justify-content: center; }

/* ================================================================
   SECTIONS
================================================================ */
section { padding: 96px 0; }
.section-inner { max-width: 1280px; margin: 0 auto; padding: 0 24px; }
.section-label { font-family: var(--font-body); font-size: 11px; font-weight: 600; text-transform: uppercase; letter-spacing: 0.18em; color: var(--boa-red); margin-bottom: 16px; display: inline-block; }
.section-title { font-family: var(--font-display); font-size: clamp(28px, 3vw, 42px); font-weight: 500; color: var(--boa-navy-ink); line-height: 1.1; margin-bottom: 20px; letter-spacing: -0.02em; }
.section-sub { font-size: 16px; color: var(--boa-text-2); max-width: 600px; line-height: 1.7; }

/* ================================================================
   BUTTONS — institutionnel, pas de pills
================================================================ */
.btn-primary {
    padding: 12px 22px;
    background: var(--boa-red);
    color: #fff; font-size: 14px; font-weight: 600;
    border-radius: var(--r-sm); border: 1px solid transparent;
    display: inline-flex; align-items: center; gap: 8px;
    transition: all var(--duration) var(--ease-out);
    letter-spacing: 0.01em;
    font-family: var(--font-body);
}
.btn-primary:hover { background: var(--boa-red-dark); color: #fff; text-decoration: none; }
.btn-primary i { width: 15px; height: 15px; }

.btn-secondary {
    padding: 12px 22px; background: transparent;
    color: #fff; font-size: 14px; font-weight: 600;
    border-radius: var(--r-sm); border: 1px solid rgba(255,255,255,0.4);
    display: inline-flex; align-items: center; gap: 8px;
    transition: all var(--duration) var(--ease-out);
    font-family: var(--font-body);
}
.btn-secondary:hover { background: #fff; color: var(--boa-navy-ink); text-decoration: none; }
.btn-secondary i { width: 15px; height: 15px; }

.btn-outline {
    padding: 12px 22px; background: transparent;
    color: var(--boa-navy-ink); font-size: 14px; font-weight: 600;
    border-radius: var(--r-sm); border: 1px solid var(--boa-navy-ink);
    display: inline-flex; align-items: center; gap: 7px;
    transition: all var(--duration) var(--ease-out);
    font-family: var(--font-body);
}
.btn-outline:hover { background: var(--boa-navy-ink); color: #fff; text-decoration: none; }
.btn-outline i { width: 14px; height: 14px; }

/* ================================================================
   HERO — immersive dark navy + image overlay
================================================================ */
.hero {
    position: relative; min-height: 580px;
    background: var(--boa-navy-ink);
    overflow: hidden; display: flex; align-items: center;
    color: #fff;
}
.hero::before {
    content: ''; position: absolute; inset: 0;
    background:
        linear-gradient(180deg, rgba(6,20,41,0.65) 0%, rgba(6,20,41,0.85) 100%);
    z-index: 1;
}
.hero::after {
    content: ''; position: absolute; inset: 0;
    background: none;
}

.hero-city { position: absolute; inset: 0; overflow: hidden; z-index: 0; }
.hero-skyline { position: absolute; bottom: 0; left: 0; right: 0; height: 260px; opacity: 0.04; }
.hero-inner { max-width: 1280px; margin: 0 auto; padding: 96px 24px 72px; display: grid; grid-template-columns: 1.15fr 1fr; gap: 60px; align-items: end; position: relative; z-index: 2; width: 100%; }
.hero-eyebrow { display: inline-flex; align-items: center; gap: 10px; font-family: var(--font-body); font-size: 11px; font-weight: 600; letter-spacing: 0.22em; text-transform: uppercase; color: #fff; margin-bottom: 28px; }
.hero-eyebrow::before { content: ""; width: 36px; height: 1px; background: var(--boa-red); }
.hero-title { font-family: var(--font-display); font-size: clamp(44px, 5.4vw, 76px); font-weight: 400; color: #fff; line-height: 0.98; letter-spacing: -0.03em; margin-bottom: 24px; }
.hero-title .accent { color: #F4D9C4; font-style: italic; }
.hero-desc { font-size: 18px; color: rgba(255,255,255,0.78); line-height: 1.55; margin-bottom: 36px; max-width: 520px; }
.hero-ctas { display: flex; gap: 12px; flex-wrap: wrap; margin-bottom: 40px; }
.hero-trust { display: flex; gap: 28px; align-items: center; flex-wrap: wrap; }
.trust-item { display: flex; align-items: center; gap: 7px; font-size: 12px; color: rgba(255,255,255,0.55); font-weight: 500; }
.trust-item i { width: 14px; height: 14px; color: rgba(255,255,255,0.55); }

/* === Hero login card — glass panel === */
.hero-card {
    background: rgba(255,255,255,0.04);
    -webkit-backdrop-filter: blur(20px);
    backdrop-filter: blur(20px);
    border-radius: var(--r-md);
    border: 1px solid rgba(255,255,255,0.12);
    box-shadow: 0 12px 32px rgba(0,0,0,0.2);
    overflow: hidden;
}
.hero-card-tabs { display: flex; border-bottom: 1px solid rgba(255,255,255,0.12); }
.hc-tab { flex: 1; padding: 14px 8px; font-size: 12px; font-weight: 600; text-align: center; color: rgba(255,255,255,0.55); background: transparent; cursor: pointer; border-bottom: 2px solid transparent; transition: all var(--duration); letter-spacing: 0.08em; text-transform: uppercase; font-family: var(--font-body); border-top: 0; border-left: 0; border-right: 0; }
.hc-tab.active { color: #fff; border-bottom-color: var(--boa-red); background: rgba(255,255,255,0.03); }
.hc-tab:hover:not(.active) { color: rgba(255,255,255,0.75); }
.hero-card-body { padding: 28px; }
.hc-label { font-family: var(--font-body); font-size: 11px; font-weight: 600; color: rgba(255,255,255,0.55); margin-bottom: 8px; display: block; text-transform: uppercase; letter-spacing: 0.14em; }
.hc-input {
    width: 100%; padding: 14px 16px;
    background: rgba(255,255,255,0.06);
    border: 1px solid rgba(255,255,255,0.12);
    border-radius: var(--r-sm); font-size: 15px;
    color: #fff; outline: none;
    font-family: var(--font-body); margin-bottom: 12px;
    transition: all var(--duration);
}
.hc-input::placeholder { color: rgba(255,255,255,0.3); }
.hc-input:focus { border-color: var(--boa-navy-3); background: rgba(255,255,255,0.08); box-shadow: 0 0 0 3px rgba(11,31,58,0.2); }
.hc-password-wrap { position: relative; margin-bottom: 6px; }
.hc-password-wrap .hc-input { margin-bottom: 0; padding-right: 48px; }
/* Hit-zone elargi a 44x44 (WCAG 2.5.5) */
.hc-eye { position: absolute; right: 4px; top: 50%; transform: translateY(-50%); background: none; border: none; color: rgba(255,255,255,0.4); cursor: pointer; min-width: 44px; min-height: 44px; display: inline-flex; align-items: center; justify-content: center; }
.hc-eye i { width: 16px; height: 16px; }
.hc-forgot { font-size: 12px; color: var(--boa-red); display: block; text-align: right; margin-bottom: 16px; margin-top: 6px; font-weight: 500; opacity: 0.9; }
.hc-forgot:hover { opacity: 1; text-decoration: underline; color: var(--boa-red); }
.hc-submit {
    width: 100%; padding: 14px;
    background: var(--boa-red);
    color: #fff; font-size: 14px; font-weight: 600;
    border: none; border-radius: var(--r-sm); cursor: pointer;
    display: flex; align-items: center; justify-content: center; gap: 8px;
    transition: all var(--duration);
    font-family: var(--font-body);
    letter-spacing: 0.01em;
}
.hc-submit:hover { background: var(--boa-red-dark); }
.hc-submit i { width: 16px; height: 16px; }
.hc-divider { display: flex; align-items: center; gap: 10px; margin: 18px 0; }
.hc-divider::before, .hc-divider::after { content: ''; flex: 1; height: 1px; background: rgba(255,255,255,0.12); }
.hc-divider span { font-size: 11px; color: rgba(255,255,255,0.4); white-space: nowrap; }
.hc-enroll {
    width: 100%; padding: 12px; background: transparent;
    color: rgba(255,255,255,0.7); font-size: 13px; font-weight: 600;
    border: 1px solid rgba(255,255,255,0.15); border-radius: var(--r-sm);
    cursor: pointer; transition: all var(--duration);
    font-family: var(--font-body);
}
.hc-enroll:hover { background: rgba(255,255,255,0.06); border-color: rgba(255,255,255,0.25); color: #fff; }
.hc-secure { display: flex; align-items: center; justify-content: center; gap: 5px; margin-top: 16px; font-size: 11px; color: rgba(255,255,255,0.4); }
.hc-secure i { width: 12px; height: 12px; color: var(--boa-red); opacity: 0.7; }

/* === Page hero === */
.page-hero { background: var(--boa-navy-ink); padding: 96px 0; position: relative; }
.page-hero::before { content: ''; position: absolute; inset: 0; background: linear-gradient(180deg, rgba(6,20,41,0.85) 0%, rgba(6,20,41,0.95) 100%); }
.page-hero-inner { max-width: 1280px; margin: 0 auto; padding: 0 24px; position: relative; z-index: 1; }
.page-hero-eyebrow { font-family: var(--font-body); font-size: 11px; font-weight: 600; letter-spacing: 0.22em; text-transform: uppercase; color: rgba(255,255,255,0.7); margin-bottom: 16px; display: inline-flex; align-items: center; gap: 10px; }
.page-hero-eyebrow::before { content: ""; width: 36px; height: 1px; background: var(--boa-red); }
.page-hero-title { font-family: var(--font-display); font-size: clamp(38px, 4.6vw, 56px); font-weight: 400; color: #fff; line-height: 1.05; margin-bottom: 20px; letter-spacing: -0.025em; }
.page-hero-sub { font-size: 18px; color: rgba(255,255,255,0.65); line-height: 1.55; max-width: 560px; margin-bottom: 28px; }
.page-hero-ctas { display: flex; gap: 14px; flex-wrap: wrap; }

/* ================================================================
   OFFER / PROMO BANNER
================================================================ */
.offer-banner { background: var(--boa-navy); color: #fff; border-bottom: 1px solid rgba(255,255,255,0.08); }
.offer-inner { display: flex; align-items: center; gap: 32px; padding: 40px 24px; max-width: 1280px; margin: 0 auto; }
.offer-badge { background: var(--boa-red); color: #fff; font-size: 11px; font-weight: 600; padding: 5px 14px; border-radius: var(--r-sm); text-transform: uppercase; letter-spacing: 0.14em; white-space: nowrap; flex-shrink: 0; }
.offer-content { flex: 1; }
.offer-title { font-family: var(--font-display); font-size: 22px; font-weight: 500; margin-bottom: 6px; color: #fff; }
.offer-sub { font-size: 14px; color: rgba(255,255,255,0.55); }
.offer-cta { padding: 12px 22px; background: var(--boa-red); color: #fff; font-size: 14px; font-weight: 600; border-radius: var(--r-sm); border: none; white-space: nowrap; flex-shrink: 0; transition: all var(--duration); display: inline-flex; align-items: center; gap: 7px; }
.offer-cta:hover { background: var(--boa-red-dark); color: #fff; text-decoration: none; }
.offer-cta i { width: 14px; height: 14px; }
.offer-inner p { flex: 1; color: rgba(255,255,255,0.65); }
.offer-inner p a { color: var(--boa-red); font-weight: 600; }
.offer-inner p a:hover { color: #fff; text-decoration: underline; }

/* ================================================================
   STATS STRIP — papier crème, chiffres serif
================================================================ */
.stats-strip { background: var(--boa-cream); padding: 48px 0; position: relative; overflow: hidden; border-bottom: 1px solid var(--boa-line); }
.stats-strip::before { content: none; }
.stats-inner { max-width: 1280px; margin: 0 auto; padding: 0 24px; display: grid; grid-template-columns: repeat(5, 1fr); gap: 0; position: relative; }
.stat-item { text-align: center; padding: 0 24px; border-right: 1px solid var(--boa-line); }
.stat-item:last-child { border-right: none; }
.stat-num { font-family: var(--font-display); font-size: clamp(36px, 3.5vw, 52px); font-weight: 500; color: var(--boa-navy-ink); line-height: 1; margin-bottom: 12px; letter-spacing: -0.025em; font-variant-numeric: tabular-nums; }
.stat-label { font-size: 12px; color: var(--boa-text-3); line-height: 1.4; font-weight: 500; letter-spacing: 0.1em; text-transform: uppercase; }

/* ================================================================
   PRODUCT CARDS — editorial tiles
================================================================ */
.products-section { background: var(--boa-white); }
.products-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1px; margin-top: 36px; background: var(--boa-line); border: 1px solid var(--boa-line); }
.product-card {
    background: var(--boa-white);
    border: none;
    border-radius: 0; overflow: hidden;
    transition: background 0.2s var(--ease-out); cursor: pointer;
    display: flex; flex-direction: column;
    box-shadow: none;
    padding: 36px 32px 32px;
    gap: 16px;
}
.product-card:hover { background: var(--boa-cream); transform: none; box-shadow: none; border-color: transparent; }
.product-card-img { height: 0; display: none; overflow: hidden; }
.product-card-icon { width: 0; height: 0; display: none; }
.product-card-body { padding: 0; flex: 1; display: flex; flex-direction: column; gap: 12px; }
.product-card-name { font-family: var(--font-display); font-size: 22px; font-weight: 500; color: var(--boa-navy-ink); margin-bottom: 0; letter-spacing: -0.015em; line-height: 1.15; }
.product-card-desc { font-size: 14px; color: var(--boa-text-2); line-height: 1.6; flex: 1; margin-bottom: 0; }
.product-card-link { font-size: 13px; font-weight: 600; color: var(--boa-navy-ink); display: flex; align-items: center; gap: 5px; border-bottom: 1px solid var(--boa-navy-ink); align-self: flex-start; padding-bottom: 2px; }
.product-card-link i { width: 13px; height: 13px; transition: transform var(--duration); }
.product-card:hover .product-card-link { color: var(--boa-red); border-color: var(--boa-red); }
.product-card:hover .product-card-link i { transform: translateX(3px); }

/* ================================================================
   GOALS / TABS
================================================================ */
.goals-section { background: var(--boa-cream); }
.goals-tabs { display: flex; gap: 4px; margin-bottom: 36px; border-bottom: 1px solid var(--boa-line); padding-bottom: 0; overflow-x: auto; }
.goals-tab { padding: 12px 16px 14px; font-size: 13px; font-weight: 500; color: var(--boa-text-3); cursor: pointer; border-bottom: 2px solid transparent; margin-bottom: -1px; background: none; transition: all var(--duration); display: flex; align-items: center; gap: 6px; white-space: nowrap; flex-shrink: 0; font-family: var(--font-body); border-top: 0; border-left: 0; border-right: 0; }
.goals-tab i { width: 14px; height: 14px; }
.goals-tab.active { color: var(--boa-navy-ink); border-bottom-color: var(--boa-red); font-weight: 600; }
.goals-tab:hover:not(.active) { color: var(--boa-navy-ink); }
.goals-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.goal-card { border: 1px solid var(--boa-line); border-radius: 0; overflow: hidden; transition: all 0.3s var(--ease-out); cursor: pointer; background: var(--boa-white); }
.goal-card:hover { box-shadow: var(--shadow-2); border-color: var(--boa-navy-ink); transform: translateY(-2px); }
.goal-card-img { height: 120px; background: var(--boa-stone); display: flex; align-items: center; justify-content: center; position: relative; overflow: hidden; }
.goal-card-img .gc-icon { width: 48px; height: 48px; border-radius: 0; display: flex; align-items: center; justify-content: center; }
.goal-card-img .gc-icon i { width: 22px; height: 22px; }
.goal-card-body { padding: 20px; }
.goal-card-title { font-family: var(--font-display); font-size: 16px; font-weight: 500; color: var(--boa-navy-ink); margin-bottom: 8px; }
.goal-card-desc { font-size: 13px; color: var(--boa-text-2); line-height: 1.6; margin-bottom: 12px; }
.goal-card-link { font-size: 13px; color: var(--boa-navy-ink); font-weight: 600; display: flex; align-items: center; gap: 4px; border-bottom: 1px solid var(--boa-navy-ink); align-self: flex-start; padding-bottom: 2px; }
.goal-card-link:hover { color: var(--boa-red); border-color: var(--boa-red); text-decoration: none; }
.goal-card-link i { width: 12px; height: 12px; }

/* ================================================================
   APP SECTION
================================================================ */
.app-section { background: var(--boa-white); }
.app-inner { display: grid; grid-template-columns: 1fr 420px; gap: 80px; align-items: center; }
.app-screen {
    background: var(--boa-navy-ink);
    border-radius: var(--r-md); padding: 24px; color: #fff;
    position: relative; overflow: hidden; min-height: 340px;
    display: flex; flex-direction: column; justify-content: space-between;
    box-shadow: var(--shadow-3);
}
.app-screen::before { content: ''; position: absolute; top: -40px; right: -40px; width: 200px; height: 200px; border-radius: 50%; background: rgba(200,16,46,0.06); }
.app-screen-header { display: flex; align-items: center; justify-content: space-between; }
.app-screen-logo { font-size: 13px; font-weight: 600; opacity: 0.8; font-family: var(--font-display); }
.app-screen-notif { width: 28px; height: 28px; border-radius: 50%; background: rgba(255,255,255,0.1); display: flex; align-items: center; justify-content: center; }
.app-screen-notif i { width: 14px; height: 14px; }
.app-balance-label { font-size: 11px; opacity: 0.4; margin-top: 20px; text-transform: uppercase; letter-spacing: 0.16em; font-weight: 600; }
.app-balance { font-family: var(--font-display); font-size: 32px; font-weight: 500; letter-spacing: -0.02em; margin-bottom: 4px; font-variant-numeric: tabular-nums; }
.app-change { font-size: 12px; color: rgba(255,255,255,0.5); display: flex; align-items: center; gap: 4px; }
.app-change i { width: 12px; height: 12px; color: #6ED69A; }
.app-actions { display: grid; grid-template-columns: repeat(4, 1fr); gap: 10px; margin-top: 20px; }
.app-action { background: rgba(255,255,255,0.06); border-radius: var(--r-sm); padding: 10px 6px; text-align: center; font-size: 10px; color: rgba(255,255,255,0.7); border: 1px solid rgba(255,255,255,0.06); }
.app-action i { width: 18px; height: 18px; display: block; margin: 0 auto 4px; }
.app-txns { margin-top: 16px; }
.app-txn { display: flex; align-items: center; gap: 10px; padding: 8px 0; border-bottom: 1px solid rgba(255,255,255,0.06); }
.app-txn:last-child { border-bottom: none; }
.app-txn-icon { width: 28px; height: 28px; border-radius: 50%; background: rgba(255,255,255,0.08); display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.app-txn-icon i { width: 13px; height: 13px; }
.app-txn-info { flex: 1; }
.app-txn-name { font-size: 11px; font-weight: 600; }
.app-txn-date { font-size: 10px; opacity: 0.4; }
.app-txn-amt { font-size: 12px; font-weight: 600; font-variant-numeric: tabular-nums; }
.app-txn-amt.credit { color: #6ED69A; }
.app-txn-amt.debit  { color: rgba(255,255,255,0.7); }
.app-content .section-label { color: var(--boa-red); }
.app-content .section-title { font-size: 28px; }
.app-rating { display: flex; align-items: center; gap: 6px; margin-bottom: 20px; }
.stars { color: var(--boa-red); font-size: 18px; letter-spacing: 2px; }
.app-rating-text { font-size: 13px; color: var(--boa-text-3); }
.app-features { display: flex; flex-direction: column; gap: 14px; margin-bottom: 28px; }
.app-feature { display: flex; align-items: flex-start; gap: 12px; }
.app-feature-icon { width: 32px; height: 32px; border-radius: 0; background: rgba(200,16,46,0.06); display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.app-feature-icon i { width: 14px; height: 14px; color: var(--boa-red); }
.app-feature-text { font-size: 14px; color: var(--boa-text-2); line-height: 1.6; }
.app-feature-text strong { color: var(--boa-navy-ink); }
.app-stores { display: flex; gap: 12px; flex-wrap: wrap; }
.store-btn { padding: 12px 20px; background: var(--boa-navy-ink); border-radius: var(--r-sm); color: #fff; display: flex; align-items: center; gap: 10px; font-size: 12px; transition: all var(--duration); text-decoration: none; border: 1px solid rgba(255,255,255,0.08); }
.store-btn:hover { background: var(--boa-navy); color: #fff; text-decoration: none; }
.store-btn i { width: 20px; height: 20px; }
.store-btn-text .store-sub { font-size: 9px; opacity: 0.5; display: block; }
.store-btn-text .store-main { font-size: 14px; font-weight: 600; display: block; line-height: 1.1; }

/* ================================================================
   EDUCATION CARDS
================================================================ */
.education-section { background: var(--boa-cream); }
.edu-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 32px; margin-top: 36px; }
.edu-card { border: 1px solid var(--boa-line); border-radius: 0; overflow: hidden; transition: all 0.3s var(--ease-out); cursor: pointer; background: var(--boa-white); }
.edu-card:hover { box-shadow: var(--shadow-2); transform: translateY(-2px); }
.edu-card-top { height: 140px; display: flex; align-items: center; justify-content: center; position: relative; }
.edu-card-top.blue  { background: var(--boa-stone); }
.edu-card-top.red   { background: var(--boa-stone); }
.edu-card-top.green { background: var(--boa-stone); }
.edu-card-top.gold  { background: var(--boa-stone); }
.edu-card-top i { width: 44px; height: 44px; }
.edu-card-top.blue  i { color: var(--boa-navy); }
.edu-card-top.red   i { color: var(--boa-red); }
.edu-card-top.green i { color: var(--boa-up); }
.edu-card-top.gold  i { color: var(--boa-red); }
.edu-card-body { padding: 20px; }
.edu-tag { font-family: var(--font-body); font-size: 11px; font-weight: 600; text-transform: uppercase; letter-spacing: 0.14em; color: var(--boa-red); margin-bottom: 8px; }
.edu-title { font-family: var(--font-display); font-size: 18px; font-weight: 500; color: var(--boa-navy-ink); margin-bottom: 8px; line-height: 1.2; letter-spacing: -0.015em; }
.edu-desc { font-size: 13px; color: var(--boa-text-2); line-height: 1.6; margin-bottom: 14px; }
.edu-link { font-size: 13px; font-weight: 600; color: var(--boa-navy-ink); display: flex; align-items: center; gap: 5px; border-bottom: 1px solid var(--boa-navy-ink); align-self: flex-start; padding-bottom: 2px; }
.edu-link:hover { color: var(--boa-red); border-color: var(--boa-red); text-decoration: none; }
.edu-link i { width: 13px; height: 13px; transition: transform var(--duration); }
.edu-card:hover .edu-link i { transform: translateX(3px); }

/* ================================================================
   SECURITY SECTION — dark ink
================================================================ */
.security-section { background: var(--boa-navy-ink); padding: 96px 0; position: relative; overflow: hidden; }
.security-section::before { content: none; }
.security-inner { max-width: 1280px; margin: 0 auto; padding: 0 24px; display: grid; grid-template-columns: 1fr 1fr; gap: 80px; align-items: center; position: relative; }
.security-content .section-title { color: #fff; }
.security-content .section-sub { color: rgba(255,255,255,0.65); }
.security-features { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; margin-top: 28px; }
.sf-item {
    background: rgba(255,255,255,0.04);
    border-radius: 0; padding: 24px;
    display: flex; align-items: flex-start; gap: 14px;
    border: 1px solid rgba(255,255,255,0.08);
    transition: all var(--duration);
    -webkit-backdrop-filter: none;
    backdrop-filter: none;
}
.sf-item:hover { background: rgba(255,255,255,0.06); border-color: rgba(255,255,255,0.15); }
.sf-icon { width: 36px; height: 36px; border-radius: 0; background: rgba(200,16,46,0.12); display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.sf-icon i { width: 16px; height: 16px; color: var(--boa-red); }
.sf-text .sf-title { font-family: var(--font-display); font-size: 14px; font-weight: 600; color: #fff; margin-bottom: 4px; }
.sf-text .sf-desc { font-size: 12px; color: rgba(255,255,255,0.5); line-height: 1.5; }
.security-badge-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.sec-badge {
    background: rgba(255,255,255,0.04);
    border: 1px solid rgba(255,255,255,0.08);
    border-radius: 0; padding: 24px; text-align: center;
    transition: all var(--duration);
    -webkit-backdrop-filter: none;
    backdrop-filter: none;
}
.sec-badge:hover { border-color: rgba(255,255,255,0.15); }
.sec-badge-icon { font-size: 28px; margin-bottom: 10px; }
.sec-badge-title { font-family: var(--font-display); font-size: 14px; font-weight: 600; color: #fff; margin-bottom: 4px; }
.sec-badge-sub { font-size: 11px; color: rgba(255,255,255,0.4); }

/* ================================================================
   GENERIC FEATURE BLOCKS
================================================================ */
.features-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1px; margin-top: 36px; background: var(--boa-line); border: 1px solid var(--boa-line); }
.feature-block { padding: 36px 32px; border: none; border-radius: 0; background: var(--boa-white); transition: background 0.2s var(--ease-out); }
.feature-block:hover { background: var(--boa-cream); box-shadow: none; transform: none; border-color: transparent; }
.feature-icon { width: 48px; height: 48px; border-radius: 0; display: flex; align-items: center; justify-content: center; margin-bottom: 16px; }
.feature-icon i { width: 22px; height: 22px; }
.feature-title { font-family: var(--font-display); font-size: 18px; font-weight: 500; color: var(--boa-navy-ink); margin-bottom: 8px; }
.feature-desc { font-size: 13px; color: var(--boa-text-2); line-height: 1.7; }

/* === Plans / rate cards === */
.plans-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1px; margin-top: 36px; background: var(--boa-line); border: 1px solid var(--boa-line); }
.plan-card { border: none; border-radius: 0; overflow: hidden; background: var(--boa-white); display: flex; flex-direction: column; position: relative; z-index: 0; transition: background 0.2s var(--ease-out); }
.plan-card:hover { background: var(--boa-cream); box-shadow: none; border-color: transparent; }
.plan-card.featured { border: none; box-shadow: none; background: var(--boa-cream); }
.plan-card-header { padding: 28px 24px; text-align: center; border-bottom: 1px solid var(--boa-line); position: relative; }
.plan-card.featured .plan-card-header { background: var(--boa-navy-ink); }
.plan-badge { position: absolute; top: -1px; right: 16px; background: var(--boa-red); color: #fff; font-size: 10px; font-weight: 600; padding: 5px 14px; border-radius: 0 0 var(--r-sm) var(--r-sm); text-transform: uppercase; letter-spacing: 0.14em; z-index: 1; }
.plan-name { font-family: var(--font-display); font-size: 18px; font-weight: 500; color: var(--boa-navy-ink); margin-bottom: 8px; }
.plan-card.featured .plan-name { color: #fff; }
.plan-rate { font-family: var(--font-display); font-size: 36px; font-weight: 500; color: var(--boa-navy-ink); line-height: 1; margin-bottom: 4px; letter-spacing: -0.02em; font-variant-numeric: tabular-nums; }
.plan-card.featured .plan-rate { color: var(--boa-red); }
.plan-rate-label { font-size: 11px; color: var(--boa-text-3); letter-spacing: 0.14em; text-transform: uppercase; }
.plan-card.featured .plan-rate-label { color: rgba(255,255,255,0.5); }
.plan-body { padding: 24px; flex: 1; }
.plan-features { display: flex; flex-direction: column; gap: 10px; margin-bottom: 24px; }
.plan-feature { display: flex; align-items: flex-start; gap: 8px; font-size: 13px; color: var(--boa-text-2); }
.plan-feature i { width: 14px; height: 14px; color: var(--boa-up); flex-shrink: 0; margin-top: 2px; }
.plan-cta { display: block; width: 100%; padding: 14px; text-align: center; border-radius: var(--r-sm); font-size: 14px; font-weight: 600; transition: all var(--duration); font-family: var(--font-body); }
.plan-cta-primary { background: var(--boa-red); color: #fff; border: none; }
.plan-cta-primary:hover { background: var(--boa-red-dark); color: #fff; text-decoration: none; }
.plan-cta-outline { background: var(--boa-white); color: var(--boa-navy-ink); border: 1px solid var(--boa-navy-ink); }
.plan-cta-outline:hover { background: var(--boa-navy-ink); color: #fff; text-decoration: none; }

/* === Steps === */
.steps-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; position: relative; }
.step-item { text-align: center; padding: 24px 16px; }
.step-num { width: 48px; height: 48px; border-radius: 50%; background: var(--boa-navy-ink); color: #fff; font-family: var(--font-display); font-size: 18px; font-weight: 500; display: flex; align-items: center; justify-content: center; margin: 0 auto 16px; }
.step-title { font-family: var(--font-display); font-size: 15px; font-weight: 600; color: var(--boa-navy-ink); margin-bottom: 6px; }
.step-desc { font-size: 12px; color: var(--boa-text-2); line-height: 1.6; }

/* === FAQ === */
.faq-item { border-bottom: 1px solid var(--boa-line); }
.faq-question { display: flex; align-items: center; justify-content: space-between; padding: 20px 0; cursor: pointer; font-family: var(--font-display); font-size: 16px; font-weight: 500; color: var(--boa-navy-ink); gap: 16px; transition: color var(--duration); }
.faq-question:hover { color: var(--boa-red); }
.faq-question i { width: 16px; height: 16px; color: var(--boa-text-mute); flex-shrink: 0; transition: transform 0.3s var(--ease-out); }
.faq-item.open .faq-question i { transform: rotate(180deg); }
.faq-answer { display: none; padding-bottom: 20px; font-size: 14px; color: var(--boa-text-2); line-height: 1.8; }
.faq-item.open .faq-answer { display: block; }

/* === CTA Strip === */
.cta-strip { background: var(--boa-navy-ink); padding: 96px 0; text-align: center; position: relative; overflow: hidden; }
.cta-strip::before { content: none; }
.cta-strip-inner { max-width: 1280px; margin: 0 auto; padding: 0 24px; position: relative; }
.cta-strip h2 { font-family: var(--font-display); font-size: clamp(28px, 3vw, 42px); font-weight: 500; color: #fff; margin-bottom: 16px; letter-spacing: -0.02em; }
.cta-strip p { font-size: 16px; color: rgba(255,255,255,0.65); margin-bottom: 32px; }
.cta-strip-btns { display: flex; gap: 12px; justify-content: center; flex-wrap: wrap; }

/* === Rate table === */
.rate-table { width: 100%; border-collapse: collapse; margin-top: 28px; border-radius: 0; overflow: hidden; border: 1px solid var(--boa-line); }
.rate-table th { background: var(--boa-navy-ink); color: rgba(255,255,255,0.85); padding: 14px 18px; font-family: var(--font-body); font-size: 10px; font-weight: 600; text-align: left; letter-spacing: 0.16em; text-transform: uppercase; }
.rate-table td { padding: 14px 18px; border-bottom: 1px solid var(--boa-line-2); font-size: 13px; color: var(--boa-text); background: var(--boa-white); font-variant-numeric: tabular-nums; }
.rate-table tr:hover td { background: var(--boa-bg-alt); }
.rate-table .rate-highlight { font-weight: 600; color: var(--boa-navy-ink); }
.rate-table .rate-featured { background: var(--boa-cream); }

/* ================================================================
   FOOTER — dark navy-ink, editorial
================================================================ */
footer { background: var(--boa-navy-ink); color: rgba(255,255,255,0.65); border-top: none; }
.footer-top { max-width: 1280px; margin: 0 auto; padding: 72px 24px 48px; display: grid; grid-template-columns: 1.4fr repeat(4, 1fr); gap: 48px; }
.footer-brand {}
.footer-logo { display: flex; align-items: center; gap: 10px; margin-bottom: 14px; }
.footer-logo-icon { width: 36px; height: 36px; background: transparent; border-radius: 0; display: flex; align-items: center; justify-content: center; }
.footer-logo-icon i { width: 18px; height: 18px; color: #fff; }
.footer-logo-text { font-family: var(--font-display); font-size: 18px; font-weight: 500; color: #fff; line-height: 1.2; letter-spacing: -0.01em; }
.footer-tagline { font-size: 13px; color: rgba(255,255,255,0.55); line-height: 1.6; margin-bottom: 18px; max-width: 320px; }
.footer-social { display: flex; gap: 10px; }
.social-btn { width: 38px; height: 38px; border-radius: 0; background: rgba(255,255,255,0.06); border: 1px solid rgba(255,255,255,0.12); display: flex; align-items: center; justify-content: center; transition: all var(--duration); }
.social-btn svg { width: 16px; height: 16px; fill: rgba(255,255,255,0.6); transition: fill var(--duration); }
.social-btn:hover { background: rgba(255,255,255,0.1); border-color: rgba(255,255,255,0.25); }
.social-btn:hover svg { fill: #fff; }
.social-btn i { width: 16px; height: 16px; color: rgba(255,255,255,0.6); }
.footer-col-title { font-family: var(--font-body); font-size: 11px; font-weight: 600; color: #fff; margin-bottom: 18px; text-transform: uppercase; letter-spacing: 0.18em; }
.footer-links { display: flex; flex-direction: column; gap: 10px; }
.footer-links a { font-size: 13px; color: rgba(255,255,255,0.6); transition: color var(--duration); }
.footer-links a:hover { color: #fff; text-decoration: none; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,0.1); padding: 28px 24px; max-width: 1280px; margin: 0 auto; }
.footer-bottom-inner { display: flex; align-items: flex-start; justify-content: space-between; gap: 24px; }
.footer-legal { font-size: 11px; color: rgba(255,255,255,0.45); line-height: 1.8; max-width: 800px; }
.footer-legal strong { color: rgba(255,255,255,0.65); }
.footer-compliance { display: flex; flex-direction: column; align-items: flex-end; gap: 6px; flex-shrink: 0; }
.comp-badge { font-size: 10px; color: rgba(255,255,255,0.5); border: 1px solid rgba(255,255,255,0.15); border-radius: var(--r-sm); padding: 4px 10px; white-space: nowrap; }
.footer-copyright { text-align: center; font-size: 11px; color: rgba(255,255,255,0.35); padding: 16px 24px 24px; border-top: 1px solid rgba(255,255,255,0.08); letter-spacing: 0.08em; }

/* ================================================================
   BACK TO TOP
================================================================ */
.back-top { position: fixed; bottom: 24px; right: 24px; width: 44px; height: 44px; background: var(--boa-navy-ink); color: #fff; border: none; border-radius: var(--r-sm); cursor: pointer; display: flex; align-items: center; justify-content: center; box-shadow: var(--shadow-2); z-index: 99; transition: all var(--duration) var(--ease-out); opacity: 0; pointer-events: none; }
.back-top[style*="opacity: 1"], .back-top.visible { opacity: 1; pointer-events: auto; }
.back-top:hover { transform: translateY(-2px); box-shadow: var(--shadow-3); }
.back-top i { width: 18px; height: 18px; }

/* ================================================================
   HERO CARD FORM ELEMENTS
================================================================ */
.hc-pw-wrap { position: relative; margin-bottom: 6px; }
.hc-pw-wrap .hc-input { margin-bottom: 0; padding-right: 48px; }
/* Hit-zone elargi a 44x44 (WCAG 2.5.5) sans changer le visuel */
.hc-eye { position: absolute; right: 4px; top: 50%; transform: translateY(-50%); background: none; border: none; color: rgba(255,255,255,0.4); cursor: pointer; min-width: 44px; min-height: 44px; display: inline-flex; align-items: center; justify-content: center; }
.hc-eye i { width: 16px; height: 16px; display: block; }
.hc-options { display: flex; align-items: center; justify-content: space-between; margin: 10px 0 16px; }
.hc-check { display: flex; align-items: center; gap: 6px; font-size: 12px; color: rgba(255,255,255,0.45); cursor: pointer; }
.hc-check input { cursor: pointer; accent-color: var(--boa-red); }
.hc-forgot { font-size: 12px; color: var(--boa-red); font-weight: 500; opacity: 0.9; }
.hc-forgot:hover { opacity: 1; text-decoration: underline; color: var(--boa-red); }
.hc-btn { display: block; width: 100%; padding: 14px; background: var(--boa-red); color: #fff; font-size: 14px; font-weight: 600; border: none; border-radius: var(--r-sm); cursor: pointer; text-align: center; transition: all var(--duration); font-family: var(--font-body); letter-spacing: 0.01em; }
.hc-btn:hover { background: var(--boa-red-dark); }
.hc-divider { display: flex; align-items: center; gap: 10px; margin: 18px 0; }
.hc-divider::before, .hc-divider::after { content: ''; flex: 1; height: 1px; background: rgba(255,255,255,0.12); }
.hc-divider span { font-size: 11px; color: rgba(255,255,255,0.4); white-space: nowrap; }
.hc-btn-outline { display: block; width: 100%; padding: 12px; background: transparent; color: rgba(255,255,255,0.7); font-size: 13px; font-weight: 600; border: 1px solid rgba(255,255,255,0.15); border-radius: var(--r-sm); cursor: pointer; text-align: center; transition: all var(--duration); font-family: var(--font-body); }
.hc-btn-outline:hover { background: rgba(255,255,255,0.06); border-color: rgba(255,255,255,0.25); color: #fff; }
.hc-security { display: flex; align-items: center; justify-content: center; gap: 5px; margin-top: 16px; font-size: 11px; color: rgba(255,255,255,0.35); }
.hc-security i { width: 12px; height: 12px; color: var(--boa-red); opacity: 0.6; display: inline-block; }

/* ================================================================
   PRODUCTS GRID (.prod-card variant)
================================================================ */
.prod-card { background: var(--boa-white); border: 1px solid var(--boa-line); border-radius: 0; padding: 36px 32px; display: flex; flex-direction: column; gap: 12px; transition: background 0.2s var(--ease-out); text-decoration: none; color: inherit; }
.prod-card:hover { background: var(--boa-cream); box-shadow: none; transform: none; border-color: var(--boa-line); }
.prod-card-icon { width: 48px; height: 48px; border-radius: 0; display: flex; align-items: center; justify-content: center; margin-bottom: 6px; }
.prod-card-icon i { width: 24px; height: 24px; }
.prod-card-title { font-family: var(--font-display); font-size: 18px; font-weight: 500; color: var(--boa-navy-ink); letter-spacing: -0.015em; }
.prod-card-desc { font-size: 14px; color: var(--boa-text-2); line-height: 1.6; flex: 1; }
.prod-card-cta { font-size: 13px; font-weight: 600; color: var(--boa-navy-ink); display: flex; align-items: center; gap: 5px; margin-top: 4px; border-bottom: 1px solid var(--boa-navy-ink); align-self: flex-start; padding-bottom: 2px; }
.prod-card-cta i { width: 13px; height: 13px; transition: transform var(--duration); }
.prod-card:hover .prod-card-cta { color: var(--boa-red); border-color: var(--boa-red); }
.prod-card:hover .prod-card-cta i { transform: translateX(3px); }

/* ================================================================
   GOALS SECTION (.goals-cards variant)
================================================================ */
.goals-cards { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1px; margin-top: 28px; background: var(--boa-line); border: 1px solid var(--boa-line); }
.goal-card { background: var(--boa-white); border: none; border-radius: 0; padding: 36px 28px; display: flex; flex-direction: column; gap: 12px; transition: background 0.2s var(--ease-out); }
.goal-card:hover { background: var(--boa-cream); box-shadow: none; transform: none; }
.goal-icon { width: 48px; height: 48px; border-radius: 0; display: flex; align-items: center; justify-content: center; margin-bottom: 4px; flex-shrink: 0; }
.goal-title { font-family: var(--font-display); font-size: 18px; font-weight: 500; color: var(--boa-navy-ink); letter-spacing: -0.015em; }
.goal-desc { font-size: 13px; color: var(--boa-text-2); line-height: 1.6; flex: 1; }
.goal-link { font-size: 13px; font-weight: 600; color: var(--boa-navy-ink); display: flex; align-items: center; gap: 4px; margin-top: 4px; border-bottom: 1px solid var(--boa-navy-ink); align-self: flex-start; padding-bottom: 2px; }
.goal-link:hover { color: var(--boa-red); border-color: var(--boa-red); text-decoration: none; }
.goal-link i { width: 13px; height: 13px; }

/* ================================================================
   PHONE MOCKUP
================================================================ */
.phone-shell { background: var(--boa-navy-ink); border-radius: 24px; padding: 12px; max-width: 240px; margin: 0 auto; box-shadow: var(--shadow-3); border: 1px solid rgba(255,255,255,0.08); }
.phone-screen { background: var(--boa-navy); border-radius: 16px; padding: 18px 16px; color: #fff; min-height: 380px; overflow: hidden; }
.phone-header { display: flex; align-items: center; justify-content: space-between; font-size: 10px; opacity: 0.5; margin-bottom: 12px; }
.phone-bal { margin-bottom: 12px; }
.phone-act-btn { background: rgba(255,255,255,0.06); border: 1px solid rgba(255,255,255,0.06); border-radius: var(--r-sm); padding: 8px 4px; text-align: center; display: flex; flex-direction: column; align-items: center; gap: 4px; font-size: 9px; color: rgba(255,255,255,0.7); }

/* ================================================================
   RESPONSIVE
================================================================ */
@media (max-width: 1023px) {
    .utility-bar { display: none; }
    .nav-items, .nav-right .nav-search-btn { display: none; }
    .nav-hamburger { display: flex; }
    .nav-right { gap: 8px; }
    .hero-inner { grid-template-columns: 1fr; gap: 32px; }
    .hero-card { max-width: 480px; margin-left: auto; margin-right: auto; width: 100%; }
    .app-inner { grid-template-columns: 1fr; }
    .app-inner .app-screen { max-width: 480px; margin: 0 auto; }
    .security-inner { grid-template-columns: 1fr; }
    .footer-top { grid-template-columns: 1fr 1fr; gap: 32px; }
    .footer-bottom-inner { flex-direction: column; }
    .footer-compliance { align-items: flex-start; }
    .products-grid { grid-template-columns: 1fr; background: none; border: none; gap: 0; }
    .product-card { border: 1px solid var(--boa-line); border-bottom: 0; }
    .product-card:last-child { border-bottom: 1px solid var(--boa-line); }
    .goals-grid { grid-template-columns: repeat(2, 1fr); }
    .goals-cards { grid-template-columns: 1fr; }
    .plans-grid { grid-template-columns: 1fr; background: none; border: none; gap: 0; max-width: 480px; margin-left: auto; margin-right: auto; }
    .plan-card { border: 1px solid var(--boa-line); border-bottom: 0; }
    .plan-card:last-child { border-bottom: 1px solid var(--boa-line); }
    .stats-inner { grid-template-columns: repeat(2, 1fr); gap: 32px; }
    .stat-item { border-right: none; padding: 0; }
    .offer-inner { flex-direction: column; gap: 16px; text-align: center; }
    section { padding: 64px 0; }
    .features-grid { grid-template-columns: 1fr; background: none; border: none; gap: 0; }
    .feature-block { border: 1px solid var(--boa-line); border-bottom: 0; }
    .feature-block:last-child { border-bottom: 1px solid var(--boa-line); }
}

@media (max-width: 639px) {
    section { padding: 48px 0; }
    .section-inner { padding: 0 16px; }
    .hero-inner { padding: 64px 16px 48px; }
    .hero-title { font-size: 32px; }
    .page-hero { padding: 64px 0; }
    .page-hero-inner { padding: 0 16px; }
    .page-hero-title { font-size: 28px; }
    .section-title { font-size: 24px; }
    .goals-grid { grid-template-columns: 1fr; }
    .edu-grid { grid-template-columns: 1fr; }
    .steps-grid { grid-template-columns: 1fr 1fr; }
    .security-features { grid-template-columns: 1fr; }
    .security-badge-grid { grid-template-columns: 1fr 1fr; }
    .footer-top { grid-template-columns: 1fr; }
    .stats-inner { grid-template-columns: 1fr; }
    .hero-trust { gap: 14px; }
    .hero-ctas { flex-direction: column; }
    .page-hero-ctas { flex-direction: column; }
    .nav-inner { padding: 0 16px; }
    .offer-inner { padding: 24px 16px; }
    .stat-num { font-size: 28px; }
    .prod-card { flex-direction: row; flex-wrap: wrap; }
    .prod-card-icon { margin-bottom: 0; }
}

/* ================================================================
   MOBILE NAV DRAWER
================================================================ */
body.nav-open { overflow: hidden; }
.mobile-nav-overlay { display: none; position: fixed; inset: 0; background: rgba(6,20,41,0.7); z-index: 300; -webkit-backdrop-filter: blur(4px); backdrop-filter: blur(4px); }
.mobile-nav-overlay.open { display: block; }
.mobile-nav-drawer { position: fixed; top: 0; left: 0; width: 300px; height: 100%; background: var(--boa-white); z-index: 301; transform: translateX(-100%); transition: transform 0.4s var(--ease-out); overflow-y: auto; display: flex; flex-direction: column; border-right: 1px solid var(--boa-line); }
.mobile-nav-drawer.open { transform: translateX(0); }
.mobile-nav-header { background: var(--boa-navy-ink); padding: 18px 20px; display: flex; align-items: center; justify-content: space-between; flex-shrink: 0; border-bottom: 1px solid rgba(255,255,255,0.08); }
.mobile-nav-links { padding: 8px 0; flex: 1; }
.mobile-nav-link { display: block; padding: 14px 20px; font-size: 14px; font-weight: 500; color: var(--boa-text-2); border-bottom: 1px solid var(--boa-line-2); transition: all var(--duration); text-decoration: none; }
.mobile-nav-link:hover { background: var(--boa-bg-alt); color: var(--boa-navy-ink); text-decoration: none; }
.mobile-nav-link.active { color: var(--boa-red); background: rgba(200,16,46,0.04); border-left: 3px solid var(--boa-red); }

/* ================================================================
   REDUCED MOTION
================================================================ */
@media (prefers-reduced-motion: reduce) {
    *, *::before, *::after { animation-duration: 0.01ms !important; animation-iteration-count: 1 !important; transition-duration: 0.01ms !important; }
}