/* ============================================================
   OZV Finance — styles.css
   Direction : dark editorial · or chaud
   Fonts : Bricolage Grotesque (display) + Geist (sans) + Geist Mono (data)
   ============================================================ */

:root {
  --bg:        #0A0C0F;
  --bg-2:      #11141A;
  --bg-3:      #171B22;
  --surface:   #1B1F27;
  --rule:      rgba(232, 226, 213, 0.09);
  --rule-2:    rgba(232, 226, 213, 0.14);
  --ink:       #ECE6D8;
  --ink-2:     #C4BFB3;
  --ink-3:     #8B877D;
  --ink-4:     #5A574F;

  --accent:      #E8B86A;       /* or chaud */
  --accent-2:    #F1D4A0;
  --accent-deep: #B68A3F;
  --accent-glow: rgba(232, 184, 106, 0.18);

  --good:      #7DB99A;
  --bad:       #D6695A;

  --f-display: "Bricolage Grotesque", "Helvetica Neue", sans-serif;
  --f-sans:    "Geist", "Helvetica Neue", sans-serif;
  --f-mono:    "Geist Mono", ui-monospace, "SF Mono", monospace;

  --max: 1360px;
  --gutter: clamp(20px, 4.5vw, 56px);
  --pad-y: clamp(72px, 11vw, 160px);
  --ease: cubic-bezier(0.22, 0.61, 0.36, 1);
}

*, *::before, *::after { box-sizing: border-box; }
html, body { margin: 0; padding: 0; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
body {
  background: var(--bg);
  color: var(--ink);
  font-family: var(--f-sans);
  font-size: 16.5px;
  line-height: 1.55;
  letter-spacing: -0.005em;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
  overflow-x: hidden;
}
a { color: inherit; text-decoration: none; }
button { font: inherit; color: inherit; background: none; border: 0; cursor: pointer; padding: 0; }
img, svg { display: block; max-width: 100%; }
::selection { background: var(--accent); color: #1a1408; }

/* Skip-link for accessibility */
.skip-link {
  position: absolute;
  top: -100px;
  left: 0;
  background: var(--accent);
  color: #1A1408;
  padding: 12px 16px;
  z-index: 100;
  font-weight: 500;
  border-radius: 0 0 8px 0;
}
.skip-link:focus { top: 0; }

/* ============ Layout ============ */
.wrap { max-width: var(--max); margin: 0 auto; padding: 0 var(--gutter); }
section { position: relative; }
.rule { height: 1px; background: var(--rule); width: 100%; }
.eyebrow {
  font-family: var(--f-mono);
  font-size: 11px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--ink-3);
  display: inline-flex;
  align-items: center;
  gap: 10px;
}
.eyebrow::before {
  content: "";
  width: 6px; height: 6px;
  background: var(--accent);
  border-radius: 50%;
  box-shadow: 0 0 12px var(--accent-glow);
}

/* ============ Type ============ */
.display {
  font-family: var(--f-display);
  font-variation-settings: "wght" 580, "opsz" 96, "wdth" 100;
  line-height: 0.92;
  letter-spacing: -0.035em;
  text-wrap: balance;
  margin: 0;
  color: var(--ink);
}
.display em { font-style: italic; color: var(--accent); font-variation-settings: "wght" 480, "opsz" 96; }
.h-hero { font-size: clamp(54px, 10.5vw, 168px); }
.h-xl   { font-size: clamp(44px, 7.5vw, 112px); }
.h-l    { font-size: clamp(34px, 5.2vw, 72px); }
.h-m    { font-size: clamp(26px, 3.4vw, 44px); font-variation-settings: "wght" 600, "opsz" 64; line-height: 1.0; }
.h-s    { font-size: clamp(18px, 1.6vw, 22px); font-variation-settings: "wght" 600, "opsz" 32; letter-spacing: -0.01em; line-height: 1.15; }
.lede {
  font-size: clamp(17px, 1.6vw, 22px);
  color: var(--ink-2);
  line-height: 1.45;
  max-width: 36ch;
  letter-spacing: -0.008em;
}
.mono { font-family: var(--f-mono); font-size: 12px; letter-spacing: 0.04em; color: var(--ink-3); }

/* ============ Buttons ============ */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  padding: 16px 22px;
  border-radius: 999px;
  font-family: var(--f-sans);
  font-weight: 500;
  font-size: 15px;
  letter-spacing: -0.005em;
  transition: transform .25s var(--ease), background .25s var(--ease), color .25s var(--ease), border-color .25s var(--ease);
  border: 1px solid transparent;
  white-space: nowrap;
}
.btn .arr { width: 16px; height: 16px; transition: transform .3s var(--ease); }
.btn:hover .arr { transform: translateX(4px); }
.btn-primary { background: var(--accent); color: #1A1408; }
.btn-primary:hover { background: var(--accent-2); transform: translateY(-1px); }
.btn-ghost { border-color: var(--rule-2); color: var(--ink); }
.btn-ghost:hover { border-color: var(--ink-2); background: var(--bg-2); }

/* ============ Nav ============ */
.nav {
  position: fixed; top: 0; left: 0; right: 0;
  z-index: 50;
  backdrop-filter: blur(18px);
  -webkit-backdrop-filter: blur(18px);
  background: rgba(10, 12, 15, 0.72);
  border-bottom: 1px solid var(--rule);
  transition: background .35s var(--ease);
}
.nav.scrolled { background: rgba(10, 12, 15, 0.92); }
.nav-inner {
  max-width: var(--max);
  margin: 0 auto;
  padding: 14px var(--gutter);
  display: flex;
  align-items: center;
  gap: 32px;
}
.brand {
  display: flex;
  align-items: center;
  gap: 12px;
  font-family: var(--f-display);
  font-variation-settings: "wght" 700, "opsz" 32, "wdth" 90;
  font-size: 22px;
  letter-spacing: -0.02em;
}
.brand-mark {
  width: 32px; height: 32px;
  border-radius: 8px;
  background: var(--accent);
  color: #1A1408;
  display: grid; place-items: center;
  font-family: var(--f-display);
  font-variation-settings: "wght" 800, "opsz" 24, "wdth" 80;
  font-size: 14px;
  letter-spacing: -0.03em;
}
.brand-sub { font-family: var(--f-mono); font-size: 10px; letter-spacing: 0.16em; color: var(--ink-3); text-transform: uppercase; margin-left: 2px; align-self: end; padding-bottom: 4px; }
.nav-links {
  display: flex;
  gap: 28px;
  margin-left: auto;
  font-size: 14px;
  color: var(--ink-2);
}
.nav-links a {
  transition: color .2s var(--ease);
  position: relative;
}
.nav-links a:hover, .nav-links a[aria-current="page"] { color: var(--ink); }
.nav-links a[aria-current="page"]::after {
  content: "";
  position: absolute;
  left: 0; right: 0; bottom: -6px;
  height: 1px;
  background: var(--accent);
}
.nav-cta {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--ink);
  color: var(--bg);
  padding: 10px 16px;
  border-radius: 999px;
  font-size: 14px;
  font-weight: 500;
  transition: background .2s var(--ease), color .2s var(--ease);
}
.nav-cta:hover { background: var(--accent); color: #1A1408; }

/* Mobile menu toggle */
.nav-burger {
  display: none;
  width: 40px; height: 40px;
  border: 1px solid var(--rule-2);
  border-radius: 10px;
  position: relative;
  margin-left: auto;
}
.nav-burger span {
  position: absolute;
  left: 10px; right: 10px;
  height: 1.5px;
  background: var(--ink);
  transition: transform .3s var(--ease), opacity .2s var(--ease), top .3s var(--ease);
}
.nav-burger span:nth-child(1) { top: 13px; }
.nav-burger span:nth-child(2) { top: 19px; }
.nav-burger span:nth-child(3) { top: 25px; }
.nav-burger[aria-expanded="true"] span:nth-child(1) { top: 19px; transform: rotate(45deg); }
.nav-burger[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.nav-burger[aria-expanded="true"] span:nth-child(3) { top: 19px; transform: rotate(-45deg); }

@media (max-width: 820px) {
  .nav-burger { display: block; }
  .nav-cta { display: none; }
  .nav-links {
    position: fixed;
    top: 64px; left: 0; right: 0;
    background: rgba(10, 12, 15, 0.98);
    backdrop-filter: blur(20px);
    -webkit-backdrop-filter: blur(20px);
    flex-direction: column;
    gap: 0;
    padding: 12px var(--gutter) 32px;
    border-bottom: 1px solid var(--rule);
    transform: translateY(-12px);
    opacity: 0;
    pointer-events: none;
    transition: opacity .25s var(--ease), transform .3s var(--ease);
  }
  .nav-links[data-open="true"] {
    opacity: 1;
    transform: translateY(0);
    pointer-events: auto;
  }
  .nav-links a { padding: 14px 0; font-size: 17px; border-bottom: 1px solid var(--rule); color: var(--ink); }
  .nav-links a[aria-current="page"]::after { display: none; }
  .nav-links a[aria-current="page"] { color: var(--accent); }
  .nav-links .mobile-cta {
    margin-top: 16px;
    padding: 14px 22px;
    background: var(--accent);
    color: #1A1408;
    border-radius: 999px;
    text-align: center;
    border-bottom: 0;
  }
}

/* ============ Hero ============ */
.hero {
  padding-top: clamp(120px, 14vh, 180px);
  padding-bottom: clamp(60px, 10vh, 120px);
  position: relative;
  overflow: hidden;
}
.hero-bg {
  position: absolute;
  inset: 0;
  pointer-events: none;
  z-index: 0;
}
.hero-bg::before {
  content: "";
  position: absolute;
  top: -20%; right: -10%;
  width: 800px; height: 800px;
  background: radial-gradient(circle at center, var(--accent-glow), transparent 60%);
  filter: blur(40px);
}
.hero-grid {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: 1fr;
  gap: 48px;
}
.hero-meta {
  display: flex;
  align-items: center;
  gap: 14px;
  flex-wrap: wrap;
  color: var(--ink-3);
}
.badge-fsma {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 8px 14px 8px 10px;
  border: 1px solid var(--rule-2);
  border-radius: 999px;
  font-family: var(--f-mono);
  font-size: 11px;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--ink-2);
  background: var(--bg-2);
}
.badge-fsma .dot {
  width: 7px; height: 7px;
  background: var(--good);
  border-radius: 50%;
  box-shadow: 0 0 8px rgba(125, 185, 154, 0.5);
}
.badge-fsma b { color: var(--ink); font-weight: 500; }
.hero h1 { margin: 22px 0 0; }
.hero h1 .ln { display: block; }
.hero-lower {
  display: grid;
  grid-template-columns: 1.4fr 1fr;
  gap: 64px;
  align-items: end;
  margin-top: clamp(40px, 6vw, 72px);
}
.hero-actions {
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
}
@media (max-width: 820px) {
  .hero-lower { grid-template-columns: 1fr; gap: 32px; align-items: start; }
}

/* Sub-page hero (smaller than home hero) */
.subhero {
  padding: clamp(140px, 18vh, 220px) 0 clamp(60px, 9vh, 100px);
  position: relative;
  overflow: hidden;
  border-bottom: 1px solid var(--rule);
}
.subhero::before {
  content: "";
  position: absolute;
  top: -20%; left: -10%;
  width: 600px; height: 600px;
  background: radial-gradient(circle at center, var(--accent-glow), transparent 60%);
  filter: blur(50px);
  pointer-events: none;
}
.subhero .wrap { position: relative; z-index: 1; }
.subhero .crumbs {
  font-family: var(--f-mono);
  font-size: 11px;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--ink-3);
  margin-bottom: 28px;
  display: flex;
  gap: 8px;
  align-items: center;
}
.subhero .crumbs a { color: var(--ink-3); transition: color .2s var(--ease); }
.subhero .crumbs a:hover { color: var(--accent); }
.subhero .crumbs span.sep { color: var(--ink-4); }
.subhero h1 { margin: 0; }
.subhero .lede { margin-top: 28px; max-width: 56ch; }
.subhero-actions { margin-top: 36px; display: flex; gap: 12px; flex-wrap: wrap; }

/* ============ Trust strip ============ */
.trust {
  border-top: 1px solid var(--rule);
  border-bottom: 1px solid var(--rule);
  background: var(--bg-2);
}
.trust-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  max-width: var(--max);
  margin: 0 auto;
}
.trust-cell {
  padding: 28px var(--gutter);
  border-right: 1px solid var(--rule);
  display: flex;
  flex-direction: column;
  gap: 6px;
}
.trust-cell:last-child { border-right: 0; }
.trust-num {
  font-family: var(--f-display);
  font-variation-settings: "wght" 600, "opsz" 48;
  font-size: clamp(28px, 3.6vw, 44px);
  line-height: 1;
  letter-spacing: -0.025em;
  color: var(--ink);
}
.trust-num .unit { color: var(--accent); }
.trust-label { font-family: var(--f-mono); font-size: 11px; letter-spacing: 0.12em; text-transform: uppercase; color: var(--ink-3); }
.trust-sub { font-size: 13px; color: var(--ink-2); margin-top: 4px; }
@media (max-width: 760px) {
  .trust-grid { grid-template-columns: repeat(2, 1fr); }
  .trust-cell { padding: 22px var(--gutter); }
  .trust-cell:nth-child(2n) { border-right: 0; }
  .trust-cell:nth-child(-n+2) { border-bottom: 1px solid var(--rule); }
}

/* ============ Section title block ============ */
.sec { padding: var(--pad-y) 0; }
.sec-head {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: end;
  margin-bottom: clamp(40px, 6vw, 72px);
}
.sec-head .sec-num {
  font-family: var(--f-mono);
  font-size: 12px;
  letter-spacing: 0.14em;
  color: var(--accent);
  text-transform: uppercase;
  margin-bottom: 18px;
}
.sec-head h2 { margin: 0; }
.sec-head p {
  color: var(--ink-2);
  font-size: clamp(16px, 1.4vw, 18px);
  line-height: 1.55;
  max-width: 44ch;
  margin: 0;
}
@media (max-width: 760px) {
  .sec-head { grid-template-columns: 1fr; gap: 18px; }
}

/* ============ Assurances grid ============ */
.ass-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1px;
  background: var(--rule);
  border: 1px solid var(--rule);
  border-radius: 18px;
  overflow: hidden;
}
.ass-card {
  background: var(--bg-2);
  padding: 36px 32px 32px;
  display: flex;
  flex-direction: column;
  gap: 16px;
  min-height: 320px;
  position: relative;
  transition: background .3s var(--ease);
  cursor: pointer;
}
.ass-card:hover { background: var(--bg-3); }
.ass-num {
  font-family: var(--f-mono);
  font-size: 11px;
  letter-spacing: 0.14em;
  color: var(--ink-4);
  text-transform: uppercase;
}
.ass-title {
  font-family: var(--f-display);
  font-variation-settings: "wght" 600, "opsz" 48, "wdth" 95;
  font-size: 38px;
  line-height: 1;
  letter-spacing: -0.025em;
  margin: 4px 0 0;
  color: var(--ink);
}
.ass-desc {
  color: var(--ink-2);
  font-size: 14.5px;
  line-height: 1.55;
  margin: 0;
  max-width: 32ch;
}
.ass-tags {
  margin-top: auto;
  display: flex;
  gap: 6px;
  flex-wrap: wrap;
}
.ass-tag {
  font-family: var(--f-mono);
  font-size: 10.5px;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  padding: 5px 10px;
  border: 1px solid var(--rule-2);
  border-radius: 999px;
  color: var(--ink-3);
}
.ass-arrow {
  position: absolute;
  top: 32px; right: 32px;
  width: 38px; height: 38px;
  border: 1px solid var(--rule-2);
  border-radius: 50%;
  display: grid; place-items: center;
  color: var(--ink-3);
  transition: transform .3s var(--ease), background .3s var(--ease), color .3s var(--ease), border-color .3s var(--ease);
}
.ass-card:hover .ass-arrow {
  background: var(--accent);
  color: #1A1408;
  border-color: var(--accent);
  transform: rotate(-45deg);
}
@media (max-width: 980px) { .ass-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 640px) { .ass-grid { grid-template-columns: 1fr; } }

/* ============ Why us — split ============ */
.why {
  background: var(--bg-2);
  border-top: 1px solid var(--rule);
  border-bottom: 1px solid var(--rule);
}
.why-grid {
  display: grid;
  grid-template-columns: 1.05fr 1fr;
  gap: 0;
  align-items: stretch;
}
.why-left {
  padding: var(--pad-y) var(--gutter) var(--pad-y) 0;
  border-right: 1px solid var(--rule);
}
.why-left h2 { margin: 24px 0 28px; }
.why-left p { color: var(--ink-2); font-size: 17px; line-height: 1.55; max-width: 38ch; margin: 0 0 28px; }
.why-quote {
  font-family: var(--f-display);
  font-variation-settings: "wght" 400, "opsz" 64;
  font-style: italic;
  font-size: clamp(22px, 2.4vw, 30px);
  line-height: 1.2;
  letter-spacing: -0.02em;
  color: var(--ink-2);
  border-left: 2px solid var(--accent);
  padding: 6px 0 6px 18px;
  margin: 0;
}
.why-quote cite {
  display: block;
  font-style: normal;
  font-family: var(--f-mono);
  font-size: 11px;
  text-transform: uppercase;
  letter-spacing: 0.14em;
  color: var(--ink-3);
  margin-top: 14px;
}
.why-right {
  padding: 0;
  display: grid;
  grid-template-columns: 1fr 1fr;
}
.why-cell {
  padding: clamp(28px, 3.6vw, 48px);
  border-bottom: 1px solid var(--rule);
}
.why-cell:nth-child(2n-1) { border-right: 1px solid var(--rule); }
.why-cell:nth-last-child(-n+2) { border-bottom: 0; }
.why-stat {
  font-family: var(--f-display);
  font-variation-settings: "wght" 580, "opsz" 96, "wdth" 100;
  font-size: clamp(56px, 7vw, 92px);
  line-height: 0.95;
  letter-spacing: -0.04em;
  color: var(--accent);
  margin: 0 0 4px;
}
.why-stat .sm { font-size: 0.5em; color: var(--ink-3); margin-left: 4px; }
.why-cell h3 {
  margin: 0 0 8px;
  font-family: var(--f-display);
  font-variation-settings: "wght" 600, "opsz" 32;
  font-size: 20px;
  letter-spacing: -0.01em;
  color: var(--ink);
}
.why-cell p { margin: 0; font-size: 14px; color: var(--ink-2); line-height: 1.5; }
@media (max-width: 900px) {
  .why-grid { grid-template-columns: 1fr; }
  .why-left { border-right: 0; border-bottom: 1px solid var(--rule); padding: var(--pad-y) 0; }
}

/* ============ Process ============ */
.proc-list {
  display: grid;
  grid-template-columns: 1fr;
  border-top: 1px solid var(--rule);
}
.proc-row {
  display: grid;
  grid-template-columns: 100px 1.2fr 2fr auto;
  align-items: center;
  gap: 32px;
  padding: 36px 0;
  border-bottom: 1px solid var(--rule);
  transition: background .3s var(--ease), padding .3s var(--ease);
  position: relative;
}
.proc-row::before {
  content: "";
  position: absolute;
  left: 0; right: 0; top: 0;
  height: 1px;
  background: var(--accent);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform .5s var(--ease);
}
.proc-row:hover::before { transform: scaleX(1); }
.proc-row:hover { padding-left: 16px; }
.proc-num {
  font-family: var(--f-display);
  font-variation-settings: "wght" 580, "opsz" 96, "wdth" 100;
  font-size: clamp(48px, 6vw, 84px);
  line-height: 1;
  letter-spacing: -0.04em;
  color: var(--ink);
}
.proc-title { font-family: var(--f-display); font-variation-settings: "wght" 600, "opsz" 48; font-size: clamp(22px, 2.4vw, 30px); margin: 0; letter-spacing: -0.02em; line-height: 1.1; }
.proc-desc { color: var(--ink-2); margin: 0; font-size: 16px; line-height: 1.5; max-width: 46ch; }
.proc-time {
  font-family: var(--f-mono);
  font-size: 11px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--ink-3);
  padding: 8px 14px;
  border: 1px solid var(--rule-2);
  border-radius: 999px;
  white-space: nowrap;
}
@media (max-width: 820px) {
  .proc-row { grid-template-columns: 80px 1fr; gap: 16px 24px; padding: 28px 0; }
  .proc-desc, .proc-time { grid-column: 1 / -1; }
  .proc-time { justify-self: start; }
}

/* ============ Testimonials ============ */
.testi-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}
.testi {
  padding: 36px 32px 32px;
  background: var(--bg-2);
  border: 1px solid var(--rule);
  border-radius: 18px;
  display: flex;
  flex-direction: column;
  gap: 24px;
  min-height: 280px;
  transition: border-color .3s var(--ease), transform .3s var(--ease);
}
.testi:hover { border-color: var(--rule-2); transform: translateY(-2px); }
.testi .stars {
  display: flex;
  gap: 3px;
  color: var(--accent);
}
.testi .stars svg { width: 16px; height: 16px; }
.testi blockquote {
  font-family: var(--f-display);
  font-variation-settings: "wght" 500, "opsz" 32;
  font-size: clamp(19px, 1.7vw, 22px);
  line-height: 1.35;
  letter-spacing: -0.015em;
  margin: 0;
  color: var(--ink);
  text-wrap: pretty;
}
.testi-foot {
  margin-top: auto;
  display: flex;
  align-items: center;
  gap: 12px;
  padding-top: 24px;
  border-top: 1px solid var(--rule);
}
.testi-avatar {
  width: 36px; height: 36px;
  border-radius: 50%;
  background: var(--bg-3);
  color: var(--accent);
  display: grid; place-items: center;
  font-family: var(--f-mono);
  font-size: 13px;
  font-weight: 500;
  border: 1px solid var(--rule-2);
}
.testi-name { font-size: 14px; color: var(--ink); font-weight: 500; }
.testi-meta { font-family: var(--f-mono); font-size: 11px; color: var(--ink-3); letter-spacing: 0.06em; text-transform: uppercase; }
@media (max-width: 880px) { .testi-grid { grid-template-columns: 1fr; } }

/* ============ Partners marquee ============ */
.partners {
  border-top: 1px solid var(--rule);
  border-bottom: 1px solid var(--rule);
  padding: 28px 0;
  background: var(--bg-2);
  overflow: hidden;
}
.partners-label {
  text-align: center;
  margin-bottom: 18px;
}
.marquee {
  display: flex;
  gap: 0;
  overflow: hidden;
  mask-image: linear-gradient(90deg, transparent 0, #000 8%, #000 92%, transparent 100%);
  -webkit-mask-image: linear-gradient(90deg, transparent 0, #000 8%, #000 92%, transparent 100%);
}
.marquee-track {
  display: flex;
  gap: 64px;
  align-items: center;
  animation: marquee 42s linear infinite;
  padding-right: 64px;
  flex-shrink: 0;
}
.marquee:hover .marquee-track { animation-play-state: paused; }
.partner {
  font-family: var(--f-display);
  font-variation-settings: "wght" 500, "opsz" 32, "wdth" 95;
  font-size: clamp(24px, 2.4vw, 34px);
  color: var(--ink-3);
  letter-spacing: -0.02em;
  white-space: nowrap;
  transition: color .25s var(--ease);
  cursor: default;
  display: inline-flex;
  align-items: center;
}
.partner:hover { color: var(--ink); }
.partner img {
  height: 32px;
  width: auto;
  filter: grayscale(1) brightness(0) invert(0.7);
  opacity: 0.7;
  transition: filter .25s var(--ease), opacity .25s var(--ease);
}
.partner:hover img { filter: grayscale(0) brightness(1); opacity: 1; }
@keyframes marquee {
  0% { transform: translateX(0); }
  100% { transform: translateX(-50%); }
}

/* ============ Coverage list (insurance subpage) ============ */
.cover-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 32px;
  margin-top: 32px;
}
@media (max-width: 760px) { .cover-grid { grid-template-columns: 1fr; gap: 24px; } }
.cover-col h3 {
  font-family: var(--f-mono);
  font-size: 12px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--accent);
  margin: 0 0 18px;
  font-weight: 500;
}
.cover-list { list-style: none; padding: 0; margin: 0; }
.cover-list li {
  padding: 14px 0;
  border-top: 1px solid var(--rule);
  display: grid;
  grid-template-columns: 24px 1fr;
  gap: 14px;
  align-items: start;
  color: var(--ink-2);
  font-size: 15.5px;
  line-height: 1.45;
}
.cover-list li:last-child { border-bottom: 1px solid var(--rule); }
.cover-list li::before {
  content: "";
  width: 14px; height: 14px;
  margin-top: 4px;
  background-image: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16' fill='none' stroke='%23E8B86A' stroke-width='2'><path d='M3 8.5l3 3 7-7'/></svg>");
  background-repeat: no-repeat;
  background-size: contain;
}
.cover-list.opt li::before {
  background-image: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16' fill='none' stroke='%238B877D' stroke-width='2'><path d='M3 8h10'/></svg>");
}
.cover-list li b { color: var(--ink); font-weight: 500; }

/* ============ FAQ accordion ============ */
.faq {
  border-top: 1px solid var(--rule);
  margin-top: 24px;
}
.faq details {
  border-bottom: 1px solid var(--rule);
  padding: 0;
}
.faq summary {
  list-style: none;
  cursor: pointer;
  padding: 24px 0;
  display: grid;
  grid-template-columns: 1fr 32px;
  gap: 24px;
  align-items: center;
  font-family: var(--f-display);
  font-variation-settings: "wght" 500, "opsz" 32;
  font-size: clamp(18px, 1.8vw, 22px);
  letter-spacing: -0.015em;
  color: var(--ink);
  transition: color .2s var(--ease);
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary:hover { color: var(--accent); }
.faq summary::after {
  content: "";
  width: 28px; height: 28px;
  border: 1px solid var(--rule-2);
  border-radius: 50%;
  background-image: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16' fill='none' stroke='%23ECE6D8' stroke-width='1.5'><path d='M4 8h8M8 4v8'/></svg>");
  background-position: center;
  background-repeat: no-repeat;
  background-size: 14px;
  transition: transform .3s var(--ease), background-color .3s var(--ease);
}
.faq details[open] summary::after {
  background-image: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16' fill='none' stroke='%231A1408' stroke-width='1.8'><path d='M4 8h8'/></svg>");
  background-color: var(--accent);
  border-color: var(--accent);
  transform: rotate(180deg);
}
.faq .faq-body {
  padding: 0 0 28px 0;
  color: var(--ink-2);
  font-size: 15.5px;
  line-height: 1.55;
  max-width: 70ch;
  animation: faqOpen .35s var(--ease);
}
.faq .faq-body p { margin: 0 0 12px; }
.faq .faq-body p:last-child { margin-bottom: 0; }
.faq .faq-body a { color: var(--accent); border-bottom: 1px solid currentColor; padding-bottom: 1px; }
@keyframes faqOpen {
  from { opacity: 0; transform: translateY(-4px); }
  to { opacity: 1; transform: translateY(0); }
}

/* ============ Prose (legal pages) ============ */
.prose {
  max-width: 72ch;
  color: var(--ink-2);
  font-size: 16px;
  line-height: 1.65;
}
.prose h2 {
  font-family: var(--f-display);
  font-variation-settings: "wght" 600, "opsz" 48;
  font-size: clamp(28px, 3.4vw, 40px);
  letter-spacing: -0.02em;
  color: var(--ink);
  margin: 56px 0 18px;
  line-height: 1.1;
}
.prose h2:first-child { margin-top: 0; }
.prose h3 {
  font-family: var(--f-display);
  font-variation-settings: "wght" 600, "opsz" 32;
  font-size: clamp(20px, 2vw, 24px);
  letter-spacing: -0.015em;
  color: var(--ink);
  margin: 36px 0 12px;
  line-height: 1.2;
}
.prose p { margin: 0 0 16px; }
.prose strong, .prose b { color: var(--ink); font-weight: 500; }
.prose a { color: var(--accent); border-bottom: 1px solid currentColor; padding-bottom: 1px; transition: color .2s var(--ease); }
.prose a:hover { color: var(--accent-2); }
.prose ul, .prose ol { padding-left: 22px; margin: 0 0 18px; }
.prose ul li, .prose ol li { margin: 8px 0; }
.prose hr { border: 0; height: 1px; background: var(--rule); margin: 40px 0; }
.prose .info-card {
  background: var(--bg-2);
  border: 1px solid var(--rule);
  border-radius: 14px;
  padding: 22px 24px;
  margin: 24px 0;
}
.prose .info-card .mono { display: block; margin-bottom: 4px; }
.prose dl { display: grid; grid-template-columns: max-content 1fr; gap: 8px 24px; margin: 16px 0; }
.prose dt { font-family: var(--f-mono); font-size: 12px; letter-spacing: 0.08em; text-transform: uppercase; color: var(--ink-3); padding-top: 2px; }
.prose dd { margin: 0; color: var(--ink); }

/* ============ Murat block (a-propos) ============ */
.murat-block {
  display: grid;
  grid-template-columns: 1fr 1.3fr;
  gap: clamp(40px, 6vw, 72px);
  align-items: start;
  margin: 48px 0;
}
.murat-photo {
  aspect-ratio: 4/5;
  background: var(--bg-2);
  border: 1px solid var(--rule);
  border-radius: 14px;
  display: grid; place-items: center;
  position: relative;
  overflow: hidden;
}
.murat-photo::before {
  content: "";
  position: absolute;
  inset: 0;
  background:
    repeating-linear-gradient(45deg, transparent 0 12px, rgba(232,184,106,0.04) 12px 13px);
}
.murat-photo .placeholder {
  font-family: var(--f-display);
  font-variation-settings: "wght" 700, "opsz" 96, "wdth" 80;
  font-size: clamp(80px, 9vw, 140px);
  color: var(--accent);
  line-height: 1;
  letter-spacing: -0.05em;
  z-index: 1;
}
.murat-photo .placeholder-label {
  position: absolute;
  bottom: 16px; left: 16px;
  font-family: var(--f-mono);
  font-size: 10px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--ink-3);
}
@media (max-width: 760px) {
  .murat-block { grid-template-columns: 1fr; }
}

/* ============ CTA ============ */
.cta {
  padding: var(--pad-y) 0;
  position: relative;
  overflow: hidden;
}
.cta::before {
  content: "";
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse at 30% 80%, var(--accent-glow), transparent 50%),
    radial-gradient(ellipse at 70% 20%, rgba(232, 184, 106, 0.08), transparent 60%);
  pointer-events: none;
}
.cta-inner {
  position: relative;
  display: grid;
  grid-template-columns: 1.4fr 1fr;
  gap: 64px;
  align-items: end;
}
.cta h2 { margin: 18px 0 0; }
.cta-actions {
  display: flex;
  flex-direction: column;
  gap: 16px;
  padding-bottom: 12px;
}
.cta-phone {
  font-family: var(--f-display);
  font-variation-settings: "wght" 600, "opsz" 48, "wdth" 95;
  font-size: clamp(34px, 4.2vw, 56px);
  letter-spacing: -0.03em;
  color: var(--ink);
  line-height: 1;
  text-decoration: none;
  display: inline-flex;
  align-items: center;
  gap: 14px;
  transition: color .25s var(--ease);
}
.cta-phone:hover { color: var(--accent); }
.cta-phone-label {
  font-family: var(--f-mono);
  font-size: 11px;
  letter-spacing: 0.14em;
  color: var(--ink-3);
  text-transform: uppercase;
  margin-bottom: 8px;
}
@media (max-width: 880px) {
  .cta-inner { grid-template-columns: 1fr; gap: 32px; align-items: start; }
}

/* ============ Footer ============ */
.footer {
  background: var(--bg-2);
  border-top: 1px solid var(--rule);
  padding: 72px 0 32px;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1.2fr;
  gap: 48px;
  margin-bottom: 56px;
}
.footer h4 {
  font-family: var(--f-mono);
  font-size: 11px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--ink-3);
  margin: 0 0 18px;
  font-weight: 500;
}
.footer ul { list-style: none; padding: 0; margin: 0; display: flex; flex-direction: column; gap: 10px; }
.footer ul a {
  color: var(--ink-2);
  font-size: 14.5px;
  transition: color .2s var(--ease);
}
.footer ul a:hover { color: var(--accent); }
.footer-brand-block .brand { margin-bottom: 18px; }
.footer-addr {
  color: var(--ink-2);
  font-size: 13.5px;
  line-height: 1.65;
}
.footer-addr b { color: var(--ink); font-weight: 500; }
.footer-bottom {
  border-top: 1px solid var(--rule);
  padding-top: 24px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 24px;
  font-family: var(--f-mono);
  font-size: 11px;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--ink-4);
  flex-wrap: wrap;
}
.footer-bottom a { color: var(--ink-3); transition: color .2s var(--ease); }
.footer-bottom a:hover { color: var(--accent); }
@media (max-width: 820px) {
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 36px; }
  .footer-brand-block { grid-column: 1 / -1; }
}

/* ============ Hours pill ============ */
.hours {
  display: inline-flex;
  flex-direction: column;
  gap: 4px;
  padding: 14px 18px;
  background: var(--bg-3);
  border: 1px solid var(--rule);
  border-radius: 14px;
  margin-top: 16px;
}
.hours-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 24px;
  font-size: 13px;
  color: var(--ink-2);
}
.hours-row .day { font-family: var(--f-mono); font-size: 11px; letter-spacing: 0.08em; text-transform: uppercase; color: var(--ink-3); }
.open-dot {
  display: inline-block;
  width: 6px; height: 6px;
  background: var(--good);
  border-radius: 50%;
  box-shadow: 0 0 8px rgba(125, 185, 154, 0.6);
  margin-right: 6px;
  vertical-align: middle;
  animation: pulse 2s ease-in-out infinite;
}
@keyframes pulse {
  0%, 100% { opacity: 1; }
  50% { opacity: 0.4; }
}

/* ============ Cookie banner ============ */
.cookie {
  position: fixed;
  bottom: 16px; left: 16px; right: 16px;
  z-index: 60;
  background: var(--bg-2);
  border: 1px solid var(--rule-2);
  border-radius: 14px;
  padding: 18px 20px;
  max-width: 480px;
  margin-left: auto;
  display: none;
  box-shadow: 0 12px 40px rgba(0,0,0,0.4);
  transform: translateY(8px);
  opacity: 0;
  transition: opacity .35s var(--ease), transform .4s var(--ease);
}
.cookie[data-open="true"] {
  display: block;
  opacity: 1;
  transform: translateY(0);
}
.cookie p { margin: 0 0 14px; font-size: 13.5px; color: var(--ink-2); line-height: 1.5; }
.cookie p a { color: var(--accent); border-bottom: 1px solid currentColor; }
.cookie-actions { display: flex; gap: 8px; }
.cookie-actions button {
  padding: 10px 16px;
  border-radius: 999px;
  font-size: 13px;
  font-weight: 500;
  letter-spacing: -0.005em;
  transition: background .2s var(--ease), color .2s var(--ease), border-color .2s var(--ease);
}
.cookie-actions .accept { background: var(--accent); color: #1A1408; }
.cookie-actions .accept:hover { background: var(--accent-2); }
.cookie-actions .decline { border: 1px solid var(--rule-2); color: var(--ink-2); }
.cookie-actions .decline:hover { border-color: var(--ink-3); color: var(--ink); }

/* ============ Scroll animations ============ */
[data-animate] {
  opacity: 0;
  transform: translateY(28px);
  transition: opacity .8s var(--ease), transform .8s var(--ease);
  will-change: opacity, transform;
}
[data-animate="fade"] { transform: none; }
[data-animate].is-visible {
  opacity: 1;
  transform: translateY(0);
}
[data-animate-delay="1"].is-visible { transition-delay: 80ms; }
[data-animate-delay="2"].is-visible { transition-delay: 160ms; }
[data-animate-delay="3"].is-visible { transition-delay: 240ms; }
[data-animate-delay="4"].is-visible { transition-delay: 320ms; }
[data-animate-delay="5"].is-visible { transition-delay: 400ms; }
[data-animate-delay="6"].is-visible { transition-delay: 480ms; }

/* Counter numbers preserve aspect during scramble */
.counter { font-variant-numeric: tabular-nums; }

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
    scroll-behavior: auto !important;
  }
  [data-animate] { opacity: 1; transform: none; }
  .marquee-track { animation: none; }
  .open-dot { animation: none; }
}