:root {
  --navy:    #013C5A;
  --navy2:   #012d44;
  --navy3:   #011f30;
  --gold:    #F2D025;
  --gold2:   #d4b800;
  --gold-glow: rgba(242,208,37,0.15);
  --white:   #FFFFFF;
  --off:     #FFF8E7;
  --muted:   #FFAD41;
  --border:  rgba(242,208,37,0.14);
  --card:    rgba(1,60,90,0.9);
  --orange:  #FF5420;
  --amber:   #FFAD41;
}



@font-face {
  font-family: 'Uniwars';
  src: url('./uniwars.woff') format('woff');  /* ← was 'truetype', woff needs 'woff' */
  font-weight: 400;
  font-style: normal;
  font-display: swap;
}


h1, h2, h3, h4,
.sec-title,
.hero h1,
.model-head h3,
.form-heading,
.z-name,
.engine-card h4,
.fico-card h4,
.sup-card h4 {
  font-family: 'Uniwars', 'Poppins', sans-serif !important;
}



*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Poppins',sans-serif;background:var(--navy);color:var(--white);overflow-x:hidden;-webkit-font-smoothing:antialiased}

/* ─── UTIL ─── */
.gold{color:var(--gold)}
.muted{color:var(--muted)}
.tc{text-align:center}
.wrap{max-width:1160px;margin:0 auto;padding:0 28px;padding-bottom:0px}

/* ─── NAV ─── */
nav{
  position:fixed;top:0;left:0;right:0;z-index:200;
  background:rgba(1,60,90,0.97);
  border-bottom:1px solid var(--border);
  backdrop-filter:blur(12px);
  padding:13px 0;
}
.nav-inner{max-width:1160px;margin:0 auto;padding:0 28px;display:flex;align-items:center;justify-content:space-between;gap:20px}
.logo{display:flex;align-items:center;gap:10px;text-decoration:none}
.logo-chevron{
  width:34px;height:34px;background:var(--gold);
  clip-path:polygon(50% 0%,95% 25%,95% 75%,50% 100%,5% 75%,5% 25%);
  display:flex;align-items:center;justify-content:center;
  font-family:'Poppins',sans-serif;font-size:14px;color:var(--navy);flex-shrink:0;
}
.logo-text{font-family:'Poppins',sans-serif;font-weight:800;font-size:19px;letter-spacing:0.07em;color:var(--white)}
.logo-text span{color:var(--gold)}
.nav-links{display:flex;gap:28px;list-style:none}
.nav-links a{font-family:'Poppins',sans-serif;font-size:13px;font-weight:500;color:var(--muted);text-decoration:none;transition:color .2s}
.nav-links a:hover{color:var(--gold)}
.nav-cta{background:var(--gold);color:var(--navy);font-family:'Poppins',sans-serif;font-weight:700;font-size:13px;letter-spacing:.04em;padding:10px 22px;border-radius:3px;text-decoration:none;transition:background .2s;white-space:nowrap}
.nav-cta:hover{background:var(--gold2)}
@media(max-width:780px){.nav-links{display:none}}

/* ─── HERO ─── */
/*  */


.hero {
  min-height: 100vh;
  padding: 130px 0 80px;
  position: relative;
  overflow: hidden;
  display: flex;
  align-items: center;
  background-image: url('./banner1.png');
  
  background-size: cover;
  background-position: center center;
  background-repeat: no-repeat;
  background-attachment: fixed;

}



.hero-content {
  position: relative;
  z-index: 1;
  max-width: 660px;
  margin: 0;           /* remove auto */
  text-align: left;
}

.hero-sub {
  font-family: 'Poppins', sans-serif;
  font-size: 17px;
  color: var(--muted);
  line-height: 1.7;
  margin-bottom: 44px;
  max-width: 580px;
  margin-left: 0;      /* remove auto */
  margin-right: 0;
  padding-bottom: 20px;
}

.hero-cta-row {
  display: flex;
  gap: 12px;
  justify-content: flex-start;  /* was center */
  flex-wrap: wrap;
  margin-top: 28px;
}

.model-toggle {
  display: inline-flex;
  background: rgba(255,255,255,.05);
  border: 1px solid var(--border);
  border-radius: 4px;
  padding: 5px;
  gap: 4px;
  margin-bottom: 48px;
}


.hero .wrap {
  margin-left: 110px;
  padding-left: 60px;
}

/* dark overlay so text stays readable */
.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  /* background: rgba(1, 30, 48, 0.65); */
  z-index: 0;
}

/* push all hero content to left */
.hero > * {
  position: relative;
  z-index: 1;
}

.hero-inner {
  max-width: 600px; /* content stays on left */
  margin-left: 0;
  padding-left: 60px;
}

.hero-glow{
  position:absolute;top:-20%;right:-10%;
  width:700px;height:700px;border-radius:50%;
  background:radial-gradient(circle,rgba(242,208,37,.08) 0%,transparent 65%);
  pointer-events:none;
}
.hero-glow2{
  position:absolute;bottom:-10%;left:-5%;
  width:500px;height:500px;border-radius:50%;
  background:radial-gradient(circle,rgba(242,208,37,.05) 0%,transparent 65%);
  pointer-events:none;
}


.hero-content{position:relative;z-index:1;max-width:760px;margin:0 auto;text-align:center}
.hero-badge{
  display:inline-flex;align-items:center;gap:8px;
  background:rgba(242,208,37,.1);border:1px solid rgba(242,208,37,.3);
  border-radius:2px;padding:6px 16px;margin-bottom:28px;
  font-family:'Poppins',sans-serif;font-size:11px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--gold);
}
.hero-badge span{width:6px;height:6px;background:var(--gold);border-radius:50%;animation:blink 2s infinite}
@keyframes blink{0%,100%{opacity:1}50%{opacity:.3}}
.hero h1{
  font-family:'Poppins',sans-serif;
  font-weight:800;
  font-size:clamp(42px,7.5vw,80px);
  line-height:1.05;letter-spacing:-.01em;
  margin-bottom:20px;
  padding:50px 0px 0px 0px;
}
.hero h1 .line2{color:var(--gold);display:block}
.hero-sub{font-family:'Poppins',sans-serif;font-size:17px;color:var(--muted);line-height:1.7;margin-bottom:44px;max-width:580px;margin-left:auto;margin-right:auto;padding-bottom:20px;}
.hero-sub strong{color:var(--white)}

/* ─── MODEL TOGGLE ─── */
.model-toggle{
  display:inline-flex;
  background:rgba(255,255,255,.05);
  border:1px solid var(--border);
  border-radius:4px;
  padding:5px;
  gap:4px;
  margin-bottom:48px;
}
.toggle-btn{
  font-family:'Poppins',sans-serif;font-size:13px;font-weight:700;
  letter-spacing:.04em;padding:12px 28px;border-radius:3px;
  border:none;cursor:pointer;transition:all .25s;
  background:transparent;color:var(--muted);
}
.toggle-btn.active{background:var(--gold);color:var(--navy)}
.toggle-btn:not(.active):hover{color:var(--white)}

/* ─── MODEL CARDS IN HERO ─── */
.model-display{position:relative}
.model-panel{display:none;animation:fadeIn .3s ease}
.model-panel.active{display:block}
@keyframes fadeIn{from{opacity:0;transform:translateY(8px)}to{opacity:1;transform:translateY(0)}}
.invest-card{
  background:var(--card);
  border:1px solid var(--border);
  border-radius:10px;
  padding:36px 40px;
  max-width:720px;margin:0 auto;
  position:relative;overflow:hidden;
}
.invest-card::before{
  content:'';position:absolute;top:0;left:0;right:0;height:3px;
  background:linear-gradient(90deg,transparent 0%,var(--gold) 40%,var(--gold) 60%,transparent 100%);
}
.ic-top{display:grid;grid-template-columns:1fr auto;gap:24px;align-items:start;margin-bottom:28px}
.ic-label{font-family:'Poppins',sans-serif;font-size:11px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--muted);margin-bottom:6px}
.ic-amount{font-family:'Poppins',sans-serif;font-weight:800;font-size:58px;color:var(--gold);line-height:1}
.ic-desc{font-family:'Poppins',sans-serif;font-size:13px;color:var(--muted);margin-top:4px}
.ic-badge{
  background:rgba(242,208,37,.12);border:1px solid rgba(242,208,37,.3);
  border-radius:3px;padding:8px 16px;text-align:center;white-space:nowrap;
  font-family:'Poppins',sans-serif;font-size:11px;font-weight:700;letter-spacing:.06em;color:var(--gold);
  align-self:flex-start;
}
.ic-stats{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin-bottom:28px}
.ic-stat{background:rgba(255,255,255,.04);border-radius:6px;padding:14px 12px;text-align:center}
.ic-stat .num{font-family:'Poppins',sans-serif;font-weight:800;font-size:26px;color:var(--white);line-height:1}
.ic-stat .lbl{font-family:'Poppins',sans-serif;font-size:10px;color:var(--muted);margin-top:3px;line-height:1.4}
.ic-tags{display:flex;gap:8px;flex-wrap:wrap}
.ic-tag{
  font-family:'Poppins',sans-serif;font-size:11px;font-weight:600;padding:5px 12px;border-radius:2px;
  background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.1);color:var(--muted);
}
.ic-tag.gold{background:rgba(242,208,37,.1);border-color:rgba(242,208,37,.25);color:var(--gold)}
.hero-cta-row{display:flex;gap:12px;justify-content:center;flex-wrap:wrap;margin-top:28px}
.btn-g{display:inline-flex;align-items:center;gap:8px;background:var(--gold);color:var(--navy);font-family:'Poppins',sans-serif;font-weight:700;font-size:14px;letter-spacing:.03em;padding:15px 32px;border-radius:3px;text-decoration:none;transition:all .2s}
.btn-g:hover{background:var(--gold2);transform:translateY(-1px)}
.btn-o{display:inline-flex;align-items:center;gap:8px;border:1.5px solid rgba(255,255,255,.2);color:var(--white);font-family:'Poppins',sans-serif;font-weight:600;font-size:14px;padding:15px 28px;border-radius:3px;text-decoration:none;transition:all .2s}
.btn-o:hover{border-color:var(--gold);color:var(--gold)}

/* ─── TRUST BAR ─── */
.trust-bar{background:var(--navy2);border-top:1px solid var(--border);border-bottom:1px solid var(--border);padding:20px 0}
.trust-row{display:flex;align-items:center;justify-content:center;gap:40px;flex-wrap:wrap}
.trust-item{display:flex;align-items:center;gap:10px}
.trust-item .ico{font-size:18px}
.trust-text strong{display:block;font-family:'Poppins',sans-serif;font-size:14px;font-weight:700}
.trust-text span{font-family:'Poppins',sans-serif;font-size:11px;color:var(--muted)}

/* ─── SECTION BASE ─── */
.sec{padding:50px 0}
.sec-alt{background:var(--navy2)}
.eyebrow{font-family:'Poppins',sans-serif;font-size:11px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--gold);margin-bottom:12px}
.sec-title
{font-family:'Poppins',sans-serif;font-weight:800;font-size:clamp(28px,4.5vw,35px);line-height:1.1;letter-spacing:-.01em;margin-bottom:14px}
.sec-title em{font-style:normal;color:var(--gold)}
.sec-sub{font-family:'Poppins',sans-serif;font-size:15px;color:var(--muted);line-height:1.75;max-width:580px}
.rule{width:44px;height:3px;background:linear-gradient(90deg,var(--gold),var(--gold2));border-radius:2px;margin:18px 0 28px}
.rule.center{margin-left:auto;margin-right:auto}

/* ─── MARKET ─── */
.mkt-grid{display:grid;grid-template-columns:1fr 1fr;gap:72px;align-items:start;margin-top:44px}

.mkt-grid > div:last-child {
  position: sticky;
  top: 120px;
}

.mkt-grid {
  display: grid;
  grid-template-columns: 1fr;   /* ← single column, stacked */
  gap: 48px;
}

.mkt-pills{display:flex;flex-direction:column;gap:14px;margin-top:32px}
.mkt-pill{display:flex;align-items:center;gap:16px;background:rgba(255,255,255,.03);border:1px solid var(--border);border-radius:6px;padding:16px 20px}
.mkt-pill .mpval{font-family:'Poppins',sans-serif;font-weight:800;font-size:32px;color:var(--gold);line-height:1;white-space:nowrap;min-width:100px}
.mkt-pill .mptxt strong{font-family:'Poppins',sans-serif;font-size:14px;display:block;margin-bottom:3px}
.mkt-pill .mptxt span{font-family:'Poppins',sans-serif;font-size:12px;color:var(--muted)}
.chart-wrap{background:var(--card);border:1px solid var(--border);border-radius:10px;padding:28px 28px 20px}
.chart-title{font-family:'Poppins',sans-serif;font-size:12px;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--muted);margin-bottom:90px}
.bars{display:flex;align-items:flex-end;gap:14px;height:180px}
.bar-col{flex:1;display:flex;flex-direction:column;align-items:center;gap:8px}
.bar-rect{width:100%;border-radius:4px 4px 0 0;position:relative;min-height:20px}
.bar-rect .tip{
  position:absolute;top:-26px;left:50%;transform:translateX(-50%);
  background:var(--gold);color:var(--navy);
  font-family:'Poppins',sans-serif;font-size:9px;font-weight:800;padding:3px 7px;border-radius:2px;white-space:nowrap;
}
.bar-num{font-family:'Poppins',sans-serif;font-weight:800;font-size:16px;color:var(--white)}
.bar-yr{font-family:'Poppins',sans-serif;font-size:11px;color:var(--muted)}

/* ─── MODELS SECTION ─── */
.models-intro{margin-bottom:56px}
.models-split{display:grid;grid-template-columns:1fr 1fr;gap:28px}
.model-block{
  border-radius:10px;overflow:hidden;
  border:1.5px solid var(--border);
  position:relative;transition:border-color .3s,transform .3s;
  cursor:pointer;
}
.model-block:hover{border-color:rgba(242,208,37,.5);transform:translateY(-4px)}
.model-block.mf-block{border-color:rgba(242,208,37,.3)}
.model-head{padding:32px 32px 24px;position:relative}
.model-head.fico-h{background:linear-gradient(135deg,rgba(1,60,90,1),rgba(1,45,68,1))}
/* .model-head.mf-h{background:linear-gradient(135deg,rgba(20,16,8,.9),rgba(30,24,8,.6))} */
.model-tag{
  display:inline-block;font-family:'Poppins',sans-serif;font-size:10px;font-weight:800;letter-spacing:.1em;
  text-transform:uppercase;padding:5px 14px;border-radius:2px;margin-bottom:18px;
}
.fico-tag{background:rgba(255,255,255,.1);color:var(--muted)}
.mf-tag{background:var(--gold);color:var(--navy)}
.model-head h3{font-family:'Poppins',sans-serif;font-weight:800;font-size:30px;letter-spacing:-.01em;margin-bottom:8px}
.model-head p{font-family:'Poppins',sans-serif;font-size:13px;color:var(--muted);line-height:1.65}
.model-fee{font-family:'Poppins',sans-serif;font-weight:800;font-size:42px;color:var(--gold);margin-top:16px;line-height:1}
.model-fee-note{font-family:'Poppins',sans-serif;font-size:12px;color:var(--muted);margin-top:2px}
.model-body{padding:24px 32px 32px;background:rgba(1,31,48,.8)}
.model-perks{list-style:none;display:flex;flex-direction:column;gap:10px;margin-bottom:24px}
.model-perks li{font-family:'Poppins',sans-serif;font-size:13px;display:flex;gap:10px;align-items:flex-start;color:var(--off)}
.model-perks li .arrow{color:var(--gold);font-weight:700;flex-shrink:0}
.model-cta{
  display:block;text-align:center;
  background:var(--gold);color:var(--navy);
  font-family:'Poppins',sans-serif;font-weight:800;font-size:13px;letter-spacing:.05em;text-transform:uppercase;
  padding:13px;border-radius:4px;text-decoration:none;
  transition:background .2s;
}
.model-cta:hover{background:var(--gold2)}
.model-cta.outline{background:transparent;border:1.5px solid rgba(242,208,37,.4);color:var(--gold)}
.model-cta.outline:hover{background:rgba(242,208,37,.08)}

/* ─── FICO DETAILS ─── */
.fico-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.fico-card{
  background:rgba(1,60,90,.7);border:1px solid var(--border);border-radius:8px;
  padding:26px;transition:all .3s;
}
.fico-card:hover{border-color:rgba(242,208,37,.4);background:rgba(242,208,37,.04)}
.fico-icon{font-size:26px;margin-bottom:14px}
.fico-card h4{font-family:'Poppins',sans-serif;font-weight:700;font-size:18px;letter-spacing:-.01em;margin-bottom:8px}
.fico-card p{font-family:'Poppins',sans-serif;font-size:12px;color:var(--muted);line-height:1.65}
.fico-earn{font-family:'Poppins',sans-serif;font-size:11px;font-weight:700;color:var(--gold);margin-top:12px;letter-spacing:.04em}

/* ─── MF DETAILS ─── */
.mf-engines{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.engine-card{
  background:rgba(1,60,90,.7);border:1px solid var(--border);border-radius:8px;
  padding:26px;position:relative;overflow:hidden;transition:all .3s;
}
.engine-card:hover{border-color:rgba(242,208,37,.4);transform:translateY(-3px)}
.engine-num{
  position:absolute;top:14px;right:16px;
  font-family:'Poppins',sans-serif;font-weight:800;font-size:44px;color:rgba(242,208,37,.07);line-height:1;
}
.engine-icon{font-size:26px;margin-bottom:14px}
.engine-card h4{font-family:'Poppins',sans-serif;font-weight:700;font-size:17px;letter-spacing:-.01em;margin-bottom:8px}
.engine-card p{font-family:'Poppins',sans-serif;font-size:12px;color:var(--muted);line-height:1.65}
.engine-earn{font-family:'Poppins',sans-serif;font-size:11px;font-weight:700;color:var(--gold);margin-top:12px;letter-spacing:.04em}

/* ─── ZONES ─── */
.zones-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:44px}
.zone-card{border-radius:8px;padding:32px;position:relative;overflow:hidden;transition:transform .3s}
.zone-card:hover{transform:translateY(-4px)}
.zone-card.z-gold{background:linear-gradient(135deg,rgba(242,208,37,.1),rgba(242,208,37,.04));border:1.5px solid rgba(242,208,37,.4)}
.zone-card.z-std{background:rgba(1,60,90,.6);border:1px solid var(--border)}
.z-badge{display:inline-block;font-family:'Poppins',sans-serif;font-size:10px;font-weight:800;letter-spacing:.08em;text-transform:uppercase;padding:4px 12px;border-radius:2px;margin-bottom:18px}
.z-gold .z-badge{background:var(--gold);color:var(--navy)}
.z-std .z-badge{background:rgba(255,255,255,.08);color:var(--muted)}
.z-fee{font-family:'Poppins',sans-serif;font-weight:800;font-size:46px;line-height:1;margin-bottom:6px}
.z-gold .z-fee{color:var(--gold)}
.z-std .z-fee{color:var(--white)}
.z-name{font-family:'Poppins',sans-serif;font-weight:700;font-size:18px;letter-spacing:-.01em;margin-bottom:10px}
.z-desc{font-family:'Poppins',sans-serif;font-size:12px;color:var(--muted);margin-bottom:18px;line-height:1.6}
.z-list{list-style:none;display:flex;flex-direction:column;gap:8px}
.z-list li{font-family:'Poppins',sans-serif;font-size:12px;display:flex;gap:8px}
.z-list li::before{content:'→';color:var(--gold);font-weight:700;flex-shrink:0}
.protect-box{
  background:rgba(242,208,37,.06);border:1px solid rgba(242,208,37,.22);
  border-radius:6px;padding:22px 28px;margin-top:32px;
  display:flex;align-items:center;gap:18px;
}
.protect-box .ico{font-size:28px;flex-shrink:0}
.protect-box h5{font-family:'Poppins',sans-serif;font-weight:700;font-size:14px;margin-bottom:4px}
.protect-box p{font-family:'Poppins',sans-serif;font-size:13px;color:var(--muted)}

/* ─── COMPARE ─── */
.compare-table{width:100%;border-collapse:separate;border-spacing:0;margin-top:44px}
.compare-table th{padding:14px 20px;font-family:'Poppins',sans-serif;font-size:11px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;text-align:left;border-bottom:1px solid var(--border)}
.compare-table th:first-child{color:var(--muted)}
.compare-table th:nth-child(2){color:var(--muted);background:rgba(255,255,255,.02)}
.compare-table th:nth-child(3){color:var(--gold);background:rgba(242,208,37,.06)}
.compare-table td{padding:14px 20px;font-family:'Poppins',sans-serif;font-size:13px;border-bottom:1px solid rgba(255,255,255,.05);vertical-align:middle}
.compare-table td:first-child{color:var(--muted);font-weight:500}
.compare-table td:nth-child(2){background:rgba(255,255,255,.015)}
.compare-table td:nth-child(3){background:rgba(242,208,37,.03)}
.compare-table tr:last-child td{border-bottom:none}
.check-g{color:var(--gold);font-weight:700}
.check-m{color:var(--muted)}

/* ─── SUPPORT ─── */
.support-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-top:44px}
.sup-card{
  background:rgba(1,60,90,.7);border:1px solid var(--border);border-radius:8px;
  padding:24px 20px;text-align:center;transition:all .3s;
}
.sup-card:hover{border-color:rgba(242,208,37,.35);background:rgba(242,208,37,.03)}
.sup-card .ico{font-size:28px;margin-bottom:12px}
.sup-card h4{font-family:'Poppins',sans-serif;font-weight:700;font-size:13px;margin-bottom:6px}
.sup-card p{font-family:'Poppins',sans-serif;font-size:11px;color:var(--muted);line-height:1.6}

/* ─── TESTIMONIALS ─── */
.testi-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:44px}
.testi-card{
  background:rgba(1,60,90,.7);border:1px solid var(--border);border-radius:8px;
  padding:30px;position:relative;
}
.testi-card::before{
  content:'"';font-family:'Poppins',sans-serif;font-size:72px;
  color:rgba(242,208,37,.12);position:absolute;top:14px;left:22px;line-height:1;
}
.t-type{
  display:inline-block;font-family:'Poppins',sans-serif;font-size:9px;font-weight:800;letter-spacing:.1em;text-transform:uppercase;
  padding:4px 10px;border-radius:2px;margin-bottom:14px;
}
.t-type.fico{background:rgba(255,255,255,.08);color:var(--muted)}
.t-type.mf{background:rgba(242,208,37,.12);color:var(--gold);border:1px solid rgba(242,208,37,.25)}
.t-stars{color:var(--gold);font-size:12px;margin-bottom:12px}
.t-text{font-family:'Poppins',sans-serif;font-size:13px;color:var(--off);line-height:1.7;font-style:italic;margin-bottom:20px}
.t-author{display:flex;align-items:center;gap:10px}
.t-av{width:38px;height:38px;border-radius:50%;background:linear-gradient(135deg,var(--gold),var(--navy3));display:flex;align-items:center;justify-content:center;font-family:'Poppins',sans-serif;font-weight:800;font-size:14px;flex-shrink:0}
.t-name{font-family:'Poppins',sans-serif;font-weight:700;font-size:13px}
.t-role{font-family:'Poppins',sans-serif;font-size:11px;color:var(--muted)}

/* ─── FAQ ─── */
.faq-wrap{max-width:820px;margin:44px auto 0;display:flex;flex-direction:column;gap:3px}
.faq-item{background:rgba(1,60,90,.6);border:1px solid var(--border);border-radius:6px;overflow:hidden}
.faq-q{
  width:100%;background:none;border:none;color:var(--white);font-family:'Poppins',sans-serif;font-size:14px;font-weight:600;
  padding:20px 22px;display:flex;justify-content:space-between;align-items:center;cursor:pointer;text-align:left;gap:16px;
}
.faq-q:hover{color:var(--gold)}
.faq-arr{font-size:18px;flex-shrink:0;transition:transform .3s;color:var(--gold)}
.faq-item.open .faq-arr{transform:rotate(45deg)}
.faq-a{max-height:0;overflow:hidden;transition:max-height .35s ease,padding .3s;font-family:'Poppins',sans-serif;font-size:13px;color:var(--muted);line-height:1.75;padding:0 22px}
.faq-item.open .faq-a{max-height:250px;padding:0 22px 20px}
.faq-badge{font-family:'Poppins',sans-serif;font-size:9px;font-weight:800;letter-spacing:.08em;padding:3px 8px;border-radius:2px;margin-right:8px;vertical-align:middle}
.faq-badge.f{background:rgba(255,255,255,.08);color:var(--muted)}
.faq-badge.m{background:rgba(242,208,37,.12);color:var(--gold)}
.faq-badge.b{background:rgba(100,200,100,.1);color:#6fdf6f}

/* ─── FORM ─── */
.form-sec{
  background:radial-gradient(ellipse 60% 50% at 80% 50%,rgba(242,208,37,.05) 0%,transparent 60%),var(--navy);
  padding:61px 0;
}
.form-grid{display:grid;grid-template-columns:1fr 1.5fr;gap:72px;align-items:start}
.form-left-sticky{position:sticky;top:96px}
.form-benefits{margin-top:32px;display:flex;flex-direction:column;gap:12px}
.fb{font-family:'Poppins',sans-serif;font-size:13px;color:var(--muted);display:flex;gap:10px}
.fb::before{content:'✓';color:var(--gold);font-weight:700;flex-shrink:0;margin-top:1px}
.fb strong{color:var(--white)}
.urgency-box{
  margin-top:32px;padding:18px 20px;
  background:rgba(242,208,37,.05);border:1px solid rgba(242,208,37,.2);border-radius:6px;
}
.urgency-box .u-head{font-family:'Poppins',sans-serif;font-size:11px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--gold);margin-bottom:6px}
.urgency-box p{font-family:'Poppins',sans-serif;font-size:12px;color:var(--muted);line-height:1.65}
.form-card{
  background:var(--card);border:1px solid var(--border);border-radius:10px;padding:36px;
  position:relative;overflow:hidden;
}
.form-card::before{content:'';position:absolute;top:0;left:0;right:0;height:3px;background:linear-gradient(90deg,transparent,var(--gold),transparent)}
.form-heading{font-family:'Poppins',sans-serif;font-weight:800;font-size:24px;letter-spacing:-.01em;margin-bottom:6px}
.form-sub{font-family:'Poppins',sans-serif;font-size:13px;color:var(--muted);margin-bottom:28px}

/* model selector in form */
.form-model-sel{display:flex;gap:10px;margin-bottom:24px}
.fms-btn{
  flex:1;padding:12px;border-radius:4px;border:1.5px solid var(--border);
  background:transparent;color:var(--muted);font-family:'Poppins',sans-serif;font-size:12px;font-weight:700;
  letter-spacing:.04em;cursor:pointer;transition:all .25s;
}
.fms-btn.active{border-color:var(--gold);background:rgba(242,208,37,.08);color:var(--gold)}

.frow{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.field{display:flex;flex-direction:column;gap:5px;margin-bottom:14px}
.field label{font-family:'Poppins',sans-serif;font-size:10px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--muted)}
.field input,.field select{
  background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.11);
  border-radius:4px;color:var(--white);font-family:'Poppins',sans-serif;font-size:13px;
  padding:11px 13px;transition:border-color .2s;-webkit-appearance:none;appearance:none;
}
.field input::placeholder{color:rgba(255,255,255,.22)}
.field input:focus,.field select:focus{outline:none;border-color:var(--gold);background:rgba(242,208,37,.04)}
.field select option{background:var(--navy2)}
.sel-wrap{position:relative}
.sel-wrap::after{content:'▾';position:absolute;right:12px;top:50%;transform:translateY(-50%);color:var(--muted);pointer-events:none;font-size:11px}
.submit-btn{
  width:100%;background:var(--gold);color:var(--navy);font-family:'Poppins',sans-serif;font-weight:800;font-size:14px;
  letter-spacing:.05em;text-transform:uppercase;padding:16px;border:none;border-radius:4px;
  cursor:pointer;margin-top:6px;transition:all .2s;
}
.submit-btn:hover{background:var(--gold2);transform:translateY(-1px);box-shadow:0 6px 24px rgba(242,208,37,.22)}
.form-disc{font-family:'Poppins',sans-serif;font-size:10px;color:rgba(255,173,65,.4);text-align:center;margin-top:12px;line-height:1.6}
.success-wrap{display:none;text-align:center;padding:40px 20px}
.success-wrap .s-ico{font-size:48px}
.success-wrap .s-title{font-family:'Poppins',sans-serif;font-weight:800;font-size:32px;color:var(--gold);margin:14px 0 8px}
.success-wrap p{font-family:'Poppins',sans-serif;font-size:13px;color:var(--muted);line-height:1.7}

/* ─── FOOTER ─── */
footer{background:#011f30;border-top:1px solid var(--border);padding:32px 0}
.foot-inner{display:flex;align-items:center;justify-content:space-between;flex-wrap:wrap;gap:16px}
.foot-brand{font-family:'Poppins',sans-serif;font-weight:800;font-size:16px;letter-spacing:.06em;color:var(--muted)}
.foot-brand span{color:var(--gold)}
.foot-note{font-family:'Poppins',sans-serif;font-size:11px;color:rgba(255,173,65,.4);max-width:460px;text-align:right;line-height:1.6}

/* ─── SCROLL FX ─── */
.up{opacity:0;transform:translateY(22px);transition:opacity .55s ease,transform .55s ease}
.up.in{opacity:1;transform:translateY(0)}

/* ─── RESPONSIVE ─── */
@media(max-width:960px){
  .mkt-grid,.models-split,.form-grid{grid-template-columns:1fr}
  .fico-grid,.mf-engines{grid-template-columns:1fr 1fr}
  .support-grid{grid-template-columns:1fr 1fr}
  .testi-grid,.zones-grid{grid-template-columns:1fr}
  .frow{grid-template-columns:1fr}
  .form-left-sticky{position:static}
  .ic-stats{grid-template-columns:1fr 1fr}
  .ic-top{grid-template-columns:1fr}
}
@media(max-width:600px){
  .fico-grid,.mf-engines,.support-grid{grid-template-columns:1fr}
  .trust-row{gap:20px}
}


.chart-wrap {
  background: var(--card);
  border: 1px solid var(--border);
  border-radius: 10px;
  padding: 36px 36px 24px;  /* more padding */
}

.bars {
  display: flex;
  align-items: flex-end;
  gap: 20px;           /* more gap between bars */
  height: 220px;       /* taller container: was 180px */
}

.bar-col {
  flex: 1;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 10px;
}

.bar-num {
  font-family: 'Poppins', sans-serif;
  font-weight: 800;
  font-size: 12px;     /* bigger number */
  color: var(--white);
}

.bar-yr {
  font-family: 'Poppins', sans-serif;
  font-size: 12px;
  color: var(--muted);
}



/* mobile resposive */
@media(max-width:600px) {
  .trust-row {
    flex-direction: column;
    align-items: flex-start;
    gap: 18px;
    padding: 0 4px;
  }

  .trust-item {
    width: 100%;
  }

  .trust-text strong {
    font-size: 13px;
  }

  .trust-text span {
    font-size: 11px;
  }
}



@media(max-width:600px) {
  .chart-wrap {
    padding: 20px 16px 16px;
  }

  .chart-title {
    font-size: 11px;
    white-space: normal;       /* allow wrapping */
    line-height: 1.4;
    margin-bottom: 32px;       /* space for badge */
    max-width: 75%;            /* don't run into badge */
  }

  .bars {
    height: 180px;
    gap: 10px;
  }

  .bar-num {
    font-size: 15px;
  }

  .bar-yr {
    font-size: 10px;
  }

  .tip {
    font-size: 9px;
    padding: 4px 8px;
    top: -30px;
    white-space: nowrap;
  }
}

@media(max-width:768px) {
  .compare-table {
    min-width: 560px;   /* forces scroll instead of clipping */
    font-size: 12px;
  }

  .compare-table th,
  .compare-table td {
    padding: 12px 14px;
  }

  .compare-table th:first-child,
  .compare-table td:first-child {
    min-width: 120px;
  }

  .compare-table th:nth-child(2),
  .compare-table td:nth-child(2),
  .compare-table th:nth-child(3),
  .compare-table td:nth-child(3) {
    min-width: 180px;
  }
}

@media(max-width:600px) {
  /* section padding */
  .sec { padding: 56px 0; }

  /* section titles */
  .sec-title { font-size: clamp(24px, 7vw, 36px); }

  /* invest card */
  .invest-card { padding: 24px 18px; }
  .ic-amount   { font-size: 42px; }
  .ic-stats    { grid-template-columns: 1fr 1fr; gap: 8px; }
  .ic-stat .num { font-size: 20px; }

  /* hero buttons */
  .hero-cta-row { flex-direction: column; align-items: stretch; }
  .btn-g, .btn-o { text-align: center; justify-content: center; }

  /* model toggle */
  .model-toggle { flex-direction: column; width: 100%; }
  .toggle-btn   { width: 100%; padding: 12px; }

  /* zone cards */
  .z-fee { font-size: 36px; }
}

/* ─── MARKET 2x2 GRID ─── */
.mkt-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  grid-template-rows: auto auto;
  gap: 28px;
  align-items: stretch;
  margin-top: 4444px;
}

.mkt-cell {
  background: rgba(1,60,90,.5);
  /* border: 1px solid var(--border); */
  border-radius: 12px;
  padding: 36px;
}

.mkt-image {
  width: 100%;
  height: 100%;
  min-height: 280px;
  border-radius: 8px;
  overflow: hidden;
}

.mkt-image img {
  width: 100%;
  height: 100%;
  min-height: 280px;
  object-fit: cover;
  display: block;
}

.bars {
  display: flex;
  align-items: flex-end;
  justify-content: center;
  gap: 28px;
  height: 200px;
}

.bar-col {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 8px;
}

.bar-rect {
  width: 100px;
  border-radius: 4px 4px 0 0;
}

/* responsive */
@media(max-width:768px) {
  .mkt-grid {
    grid-template-columns: 1fr;
  }
}


/* logo */
.nav-inner img {
  height: 45px;
  width: auto;
  object-fit: contain;
}

.foot-brand img {
  height: 50px;
  width: auto;
  object-fit: contain;
}

/* footer */
footer {
  background: #0a1628; /* match your dark bg */
  padding: 40px 24px;
  text-align: center;
}

.foot-inner {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
}

.foot-brand img {
  height: 50px;
  width: auto;
  object-fit: contain;
}

.foot-note {
  max-width: 500px;
  font-size: 0.8rem;
  color: #a0aec0;
  line-height: 1.6;
  text-align: center;
}

/* .own-heading {
  font-size: clamp(3rem, 10vw, 8rem);
  line-height: 1;
} */


.line1 {
  font-size: clamp(2rem, 7vw, 4rem); /* smaller */
}

.line2 {
  font-size: clamp(3rem, 10vw, 5rem); /* bigger */
}


/*  */
@media(max-width: 768px) {
  /* hero */
 .hero h1 {
    padding-top: 10px;
    padding-bottom: 10px;
  }

   .hero {
    background-image: none;
    /* background: linear-gradient(145deg, #013C5A 0%, #012d44 60%, #011f30 100%); */
  }
  .hero .wrap {
    margin-left: 0;
    padding-left: 20px;
    padding-right: 20px;
    text-align: center;
  }
  .hero-content {
    max-width: 100%;
    text-align: center;
  }
  .hero-sub {
    margin-left: auto;
    margin-right: auto;
    text-align: center;
  }
  .hero-cta-row { justify-content: center; }
  .model-toggle { width: 100%; flex-direction: column; }
  .toggle-btn { width: 100%; padding: 12px; }
  .invest-card { margin: 0 auto; }

  /* general */
  .wrap { padding: 0 20px; }
  .sec { padding: 0px 0; 
    margin-top: 50px;
  }
  .sec-title { font-size: clamp(24px, 7vw, 36px); text-align: center; }
  .eyebrow { text-align: center; }
  .sec-sub { text-align: center; margin-left: auto; margin-right: auto; }
  .rule { margin-left: auto; margin-right: auto; }

  /* market */
  .mkt-grid { grid-template-columns: 1fr; }
  .mkt-cell { text-align: center; }
  .mkt-pill { flex-direction: column; text-align: center; }
  .mpval { min-width: unset; }

  /* chart */
  .chart-wrap { padding: 20px 16px 16px; }
  .chart-title { font-size: 11px; white-space: normal; line-height: 1.4; margin-bottom: 32px; max-width: 75%; }
  .bars { height: 180px; gap: 10px; }
  .bar-num { font-size: 15px; }
  .bar-yr  { font-size: 10px; }
  .tip { font-size: 9px; padding: 4px 8px; top: -30px; white-space: nowrap; }

  /* compare table */
  .compare-table { min-width: 560px; font-size: 12px; }
  .compare-table th, .compare-table td { padding: 12px 14px; }

  /* invest card */
  .invest-card { padding: 24px 18px; }
  .ic-amount { font-size: 42px; }
  .ic-stats { grid-template-columns: 1fr 1fr; gap: 8px; }
  .ic-stat .num { font-size: 20px; }

  /* models */
  .models-intro, .model-head, .model-body { text-align: center; }
  .model-perks li { justify-content: center; }
  .models-split { grid-template-columns: 1fr; }

  /* buttons */
  .hero-cta-row { flex-direction: column; align-items: stretch; }
  .btn-g, .btn-o { text-align: center; justify-content: center; }

  /* zone cards */
  .zones-grid { grid-template-columns: 1fr; }
  .zone-card { text-align: center; }
  .z-fee { font-size: 36px; }
  .z-list li { justify-content: center; }

  /* trust bar */
  .trust-row { justify-content: center; text-align: center; gap: 18px; }
  .trust-item { flex-direction: column; align-items: center; text-align: center; width: 100%; }

  /* protect box */
  .protect-box { flex-direction: column; text-align: center; }

  /* support / fico / mf */
  .fico-grid, .mf-engines, .support-grid { grid-template-columns: 1fr; }
  .sup-card { text-align: center; }

  /* form */
  .form-grid { grid-template-columns: 1fr; }
  .form-left-sticky { position: static; text-align: center; }
  .form-benefits, .fb { text-align: left; }
  .frow { grid-template-columns: 1fr; }

  /* footer */
  .foot-inner { text-align: center; align-items: center; }
  .foot-note { text-align: center; max-width: 100%; }


    /* .line1 {
    font-size: clamp(1.5rem, 8vw, 2.5rem);
    display: block;
  }
  .line2 {
    font-size: clamp(2rem, 10vw, 3.5rem);
    display: block;
  } */

    .hero h1 {
    padding-top: 0;
  }
  .line1, .line2 {
    display: block;
    line-height: 1.1;
  }

    .line1 {
    font-size: 7vw !important;
    display: block;
  }
  .line2 {
    font-size: 11vw !important;
    display: block;
    line-height: 1.1;
  }


   .hero .wrap {
    margin-left: 0 !important;
    padding-left: 20px !important;
    padding-right: 20px !important;
    text-align: center;
  }

   .trust-item {
    flex-direction: column;
    align-items: center;
    text-align: center;
    width: 100%;
  }
  .trust-row {
    flex-direction: column;
    align-items: center;
    text-align: center;
  }

    html, body {
    overflow-x: hidden;
    width: 100%;
  }
  
  .hero {
    width: 100%;
    overflow: hidden;
  }

   .sec-title {
    font-size: clamp(20px, 6vw, 28px) !important;
    word-break: break-word;
    overflow-wrap: break-word;
  }
  
  .sec-sub {
    word-break: break-word;
    overflow-wrap: break-word;
  }

   .wrap {
    padding: 0 20px !important;
    max-width: 100% !important;
    overflow: hidden;
  }

  .sec-title {
    font-size: clamp(20px, 6vw, 28px) !important;
    word-break: break-word;
    overflow-wrap: break-word;
    hyphens: auto;
  }

    #market .mkt-grid {
    display: grid !important;
    grid-template-columns: 1fr !important;
    width: 100% !important;
    gap: 16px !important;
  }

  #market .mkt-cell {
    padding: 20px !important;
    width: 100% !important;
    box-sizing: border-box !important;
    overflow: hidden !important;
  }

  #market .sec-title {
    font-size: 7vw !important;
    word-break: break-word !important;
  }

  .bar-rect {
    width: 70px !important;
  }

  .bars {
    gap: 10px;
    justify-content: center;
  }

    .chart-title {
    text-align: left;
    margin-bottom: 50px;
    max-width: 60%;
  }

   .line1 {
    margin-bottom: 0;
    line-height: 1;
  }

  .hero h1 {
    padding-top: 10px;
  }



    #market {
    background-image: none !important;
    background: var(--navy);
  }

     

  #mf-detail {
    padding-top: 40px;
  }

  .protect-box {
    margin-bottom: 40px;
  }
   .model-block {
    margin-bottom: 40px;
  }


 #market .mkt-cell:nth-child(1) {
    padding-top: 10px;
    padding-bottom: 10px;
  }

   .model-perks li {
    white-space: normal !important;
    word-break: break-word;
    overflow-wrap: break-word;
    text-align: left;
    align-items: flex-start;
  }

  .model-body {
    text-align: left !important;
  }


    .fico-card {
    text-align: center;
  }
  
  .fico-icon {
    display: block;
    margin: 0 auto 14px;
  }


    .engine-card {
    text-align: center;
  }
  
  .engine-icon {
    display: block;
    margin: 0 auto 14px;
  }

   .zone-card {
    text-align: left;
  }

  .z-list li {
    justify-content: flex-start;
  }

  .field input,
  .field select {
    width: 100%;
  }

  .sel-wrap {
    width: 100%;
  }

  .frow {
    grid-template-columns: 1fr;
  }

   .submit-btn {
    padding: 12px;
    font-size: 13px;
  }

  .form-disc {
    font-size: 11px;
    color: rgba(255, 173, 65, 0.7);
  }

  
}

#market {
  margin-bottom: -80px;
}

 /* #market {
  background-image: url('./banner1.png');
  background-size: cover;
   
  background-position: center center;
  background-repeat: no-repeat;
  padding:88px 0px;
} */


#market {
  background-image: url('./banner2.png');
  background-size: cover;
  background-position: top right;
  background-repeat: no-repeat;
  /* padding: 30px 0 0 0; */
   /* padding-top: 40px; */
      margin: -1px 0 -3px 0;
}

#market .mkt-grid {
  margin-top: 45px;
}

#models {
  padding-top: 80px;
}

#market .mkt-cell:nth-child(1),
#market .mkt-cell:nth-child(2) {
  border: none;
  background: transparent;
}

#market .mkt-cell:nth-child(3),
#market .mkt-cell:nth-child(4) {
  background: rgba(1,60,90,0.8);
  border: 1px solid var(--border);
}


/* font popins for 3 zone */
.z-fee {
  font-family: 'Poppins', sans-serif;
  font-weight: 800;
  letter-spacing: -0.02em;
}



.z-name {
  font-family: 'Poppins', sans-serif !important;
  font-weight: 600;
  font-size: 15px;
  line-height: 1.3;
  max-width: 160px;
}

.model-perks li {
  white-space: nowrap;
  font-size: 12px;
}
.z-fee {
  font-family: 'Poppins', sans-serif;
  font-weight: 800;
}

.z-fee::first-letter {
  font-weight: 500;
  margin-right: 4px;
}


#market::before {
  content: '';
  position: absolute;
  inset: 0;
  /* background: rgba(1, 30, 48, 0.92); */
 
  z-index: 0;
}