:root {
  --navy: #013c5a;
  --navy2: #012d44;
  --navy3: #011f30;
  --gold: #f2d025;
  --gold2: #d4b800;
  --gold-glow: rgba(242, 208, 37, 0.15);
  --white: #ffffff;
  --off: #fff8e7;
  --muted: #dadada;
  --border: rgba(242, 208, 37, 0.14);
  --card: rgba(1, 60, 90, 0.9);
  --orange: #ff5420;
  --amber: #ffad41;
}

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", sans-serif;
  font-weight: 400;
  font-style: normal;
}

*,
*::before,
*::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}
html {
  scroll-behavior: smooth;
}
body {
  font-family: "uniwars", sans-serif;
  font-weight: 400;
  font-style: normal;
  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 0.2s;
}
.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: 0.04em;
  padding: 10px 22px;
  border-radius: 3px;
  text-decoration: none;
  transition: background 0.2s;
  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("images/ow-2.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, 0.05);
  border: 1px solid var(--border);
  border-radius: 4px;
  padding: 5px;
  gap: 4px;
  margin-bottom: 18px;
}

.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, 0.08) 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, 0.05) 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, 0.1);
  border: 1px solid rgba(242, 208, 37, 0.3);
  border-radius: 2px;
  padding: 6px 16px;
  margin-bottom: 28px;
  font-family: "Poppins", sans-serif;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.12em;
  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: 0.3;
  }
}
.hero h1 {
  /* font-family: "Poppins", sans-serif; */
  font-weight: 100;
  font-size: clamp(42px, 7.5vw, 80px);
  line-height: 1.05;
  letter-spacing: -0.01em;
  margin-bottom: 20px;
  padding: 0px 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: 15px;
  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, 0.05);
  border: 1px solid var(--border);
  border-radius: 4px;
  padding: 5px;
  gap: 4px;
  margin-bottom: 18px;
}
.toggle-btn {
  font-family: "Poppins", sans-serif;
  font-size: 13px;
  font-weight: 700;
  letter-spacing: 0.04em;
  padding: 12px 28px;
  border-radius: 3px;
  border: none;
  cursor: pointer;
  transition: all 0.25s;
  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 0.3s 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: 0.1em;
  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, 0.12);
  border: 1px solid rgba(242, 208, 37, 0.3);
  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: 0.06em;
  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, 0.04);
  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 8px;
  border-radius: 2px;
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid rgba(255, 255, 255, 0.1);
  color: var(--muted);
}
.ic-tag.gold {
  background: rgba(242, 208, 37, 0.1);
  border-color: rgba(242, 208, 37, 0.25);
  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: 0.03em;
  padding: 15px 32px;
  border-radius: 3px;
  text-decoration: none;
  transition: all 0.2s;
}
.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, 0.2);
  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 0.2s;
}
.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-wrap {
  padding: 0px;
}
.trust-row {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 115px;
  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: 40px 0 80px;
}
.sec-alt {
  background: var(--navy2);
}
.eyebrow {
  font-family: "Poppins", sans-serif;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.14em;
  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, 31px);
  line-height: 1.1;
  letter-spacing: -0.01em;
  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, 0.03);
  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: 0.06em;
  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 0.3s,
    transform 0.3s;
  cursor: pointer;
}
.model-block:hover {
  border-color: rgba(242, 208, 37, 0.5);
  transform: translateY(-4px);
}
.model-block.mf-block {
  border-color: rgba(242, 208, 37, 0.3);
}
.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: 0.1em;
  text-transform: uppercase;
  padding: 5px 14px;
  border-radius: 2px;
  margin-bottom: 18px;
}
.fico-tag {
  background: rgba(255, 255, 255, 0.1);
  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: -0.01em;
  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, 0.8);
}
.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: 0.05em;
  text-transform: uppercase;
  padding: 13px;
  border-radius: 4px;
  text-decoration: none;
  transition: background 0.2s;
}
.model-cta:hover {
  background: var(--gold2);
}
.model-cta.outline {
  background: transparent;
  border: 1.5px solid rgba(242, 208, 37, 0.4);
  color: var(--gold);
}
.model-cta.outline:hover {
  background: rgba(242, 208, 37, 0.08);
}

/* ─── FICO DETAILS ─── */
.fico-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}
.fico-card {
  background: rgba(1, 60, 90, 0.7);
  border: 1px solid var(--border);
  border-radius: 8px;
  padding: 26px;
  transition: all 0.3s;
}
.fico-card:hover {
  border-color: rgba(242, 208, 37, 0.4);
  background: rgba(242, 208, 37, 0.04);
}
.fico-icon {
  font-size: 26px;
  margin-bottom: 14px;
}
.fico-card h4 {
  font-family: "Poppins", sans-serif;
  font-weight: 700;
  font-size: 18px;
  letter-spacing: -0.01em;
  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: 0.04em;
}

/* ─── MF DETAILS ─── */
.mf-engines {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}
.engine-card {
  background: rgba(1, 60, 90, 0.7);
  border: 1px solid var(--border);
  border-radius: 8px;
  padding: 26px;
  position: relative;
  overflow: hidden;
  transition: all 0.3s;
}
.engine-card:hover {
  border-color: rgba(242, 208, 37, 0.4);
  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, 0.07);
  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: -0.01em;
  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: 0.04em;
}

/* ─── 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 0.3s;
}
.zone-card:hover {
  transform: translateY(-4px);
}
.zone-card.z-gold {
  background: linear-gradient(
    135deg,
    rgba(242, 208, 37, 0.1),
    rgba(242, 208, 37, 0.04)
  );
  border: 1.5px solid rgba(242, 208, 37, 0.4);
}
.zone-card.z-std {
  background: rgba(1, 60, 90, 0.6);
  border: 1px solid var(--border);
}

.z-badge {
  display: inline-block;
  font-family: "Poppins", sans-serif;
  font-size: 10px;
  font-weight: 800;
  letter-spacing: 0.08em;
  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, 0.08);
  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: -0.01em;
  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, 0.06);
  border: 1px solid rgba(242, 208, 37, 0.22);
  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: 0.08em;
  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, 0.02);
}
.compare-table th:nth-child(3) {
  color: var(--gold);
  background: rgba(242, 208, 37, 0.06);
}
.compare-table td {
  padding: 14px 20px;
  font-family: "Poppins", sans-serif;
  font-size: 13px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.05);
  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, 0.015);
}
.compare-table td:nth-child(3) {
  background: rgba(242, 208, 37, 0.03);
}
.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, 0.7);
  border: 2.5px solid var(--border);
  border-radius: 8px;
  padding: 24px 20px;
  text-align: center;
  transition: all 0.3s;
}
.sup-card:hover {
  border-color: rgba(242, 208, 37, 0.35);
  background: rgba(242, 208, 37, 0.03);
}
.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;
} */

/* ─── SUPPORT SECTION: LIGHT THEME OVERRIDE ─── */
#support {
  background: #ffffff;
}
#support .eyebrow {
  color: var(--navy);
  margin-top: 21px;
  margin-bottom: 21px;
}
#support .sec-title {
  color: var(--navy);
}
#support .sec-title em {
  color: var(--gold2);
}
#support .sec-sub {
  color: #5a6a75;
}
#support .rule {
  background: linear-gradient(90deg, var(--navy), var(--navy2));
}
#support .support-grid {
  border-top: 1px solid rgba(1, 60, 90, 0.15);
  border-left: 1px solid rgba(1, 60, 90, 0.15);
}
#support .sup-card {
  border-right: 1px solid rgba(1, 60, 90, 0.15);
  border-bottom: 1px solid rgba(1, 60, 90, 0.15);
}
#support .sup-card:hover {
  background: rgba(1, 60, 90, 0.04);
}
#support .sup-card h4 {
  color: var(--navy);
}
/* ─── SUPPORT ─── */
.support-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
  margin-top: 44px;
  border-top: 1px solid var(--border);
  border-left: 1px solid var(--border);
}
.sup-card {
  background: transparent;
  border: none;
  border-right: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
  border-radius: 0;
  padding: 38px 26px;
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  gap: 16px;
  transition: background 0.3s;
}
.sup-card:hover {
  background: rgba(242, 208, 37, 0.04);
}
.sup-card .ico {
  width: 40px;
  height: 40px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  margin-right: 20px;
}
.sup-card .ico lord-icon {
  width: 36px !important;
  height: 36px !important;
}
.sup-card h4 {
  font-weight: 700;
  font-size: 14px;
  letter-spacing: -0.01em;
  margin: 0;
  max-width: 160px;
  line-height: 1.3;
  white-space: normal;
}
.sup-card p {
  display: none;
}

/* ─── TESTIMONIALS ─── */
.testi-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
  margin-top: 44px;
}
.testi-card {
  background: rgba(1, 60, 90, 0.7);
  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, 0.12);
  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: 0.1em;
  text-transform: uppercase;
  padding: 4px 10px;
  border-radius: 2px;
  margin-bottom: 14px;
}
.t-type.fico {
  background: rgba(255, 255, 255, 0.08);
  color: var(--muted);
}
.t-type.mf {
  background: rgba(242, 208, 37, 0.12);
  color: var(--gold);
  border: 1px solid rgba(242, 208, 37, 0.25);
}
.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, 0.6);
  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 0.3s;
  color: var(--gold);
}
.faq-item.open .faq-arr {
  transform: rotate(45deg);
}
.faq-a {
  max-height: 0;
  overflow: hidden;
  transition:
    max-height 0.35s ease,
    padding 0.3s;
  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: 0.08em;
  padding: 3px 8px;
  border-radius: 2px;
  margin-right: 8px;
  vertical-align: middle;
}
.faq-badge.f {
  background: rgba(255, 255, 255, 0.08);
  color: var(--muted);
}
.faq-badge.m {
  background: rgba(242, 208, 37, 0.12);
  color: var(--gold);
}
.faq-badge.b {
  background: rgba(100, 200, 100, 0.1);
  color: #6fdf6f;
}

/* ─── FORM ─── */
.form-sec {
  background:
    radial-gradient(
      ellipse 60% 50% at 80% 50%,
      rgba(242, 208, 37, 0.05) 0%,
      transparent 60%
    ),
    var(--navy);
  padding: 40px 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, 0.05);
  border: 1px solid rgba(242, 208, 37, 0.2);
  border-radius: 6px;
}
.urgency-box .u-head {
  font-family: "Poppins", sans-serif;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.1em;
  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: -0.01em;
  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: 0.04em;
  cursor: pointer;
  transition: all 0.25s;
}
.fms-btn.active {
  border-color: var(--gold);
  background: rgba(242, 208, 37, 0.08);
  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: 0.1em;
  text-transform: uppercase;
  color: var(--muted);
}
.field input,
.field select {
  background: rgba(255, 255, 255, 0.05);
  border: 1px solid rgba(255, 255, 255, 0.11);
  border-radius: 4px;
  color: var(--white);
  font-family: "Poppins", sans-serif;
  font-size: 13px;
  padding: 11px 13px;
  transition: border-color 0.2s;
  -webkit-appearance: none;
  appearance: none;
}
.field input::placeholder {
  color: rgba(255, 255, 255, 0.22);
}
.field input:focus,
.field select:focus {
  outline: none;
  border-color: var(--gold);
  background: rgba(242, 208, 37, 0.04);
}
.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: 0.05em;
  text-transform: uppercase;
  padding: 16px;
  border: none;
  border-radius: 4px;
  cursor: pointer;
  margin-top: 6px;
  transition: all 0.2s;
}
.submit-btn:hover {
  background: var(--gold2);
  transform: translateY(-1px);
  box-shadow: 0 6px 24px rgba(242, 208, 37, 0.22);
}
.form-disc {
  font-family: "Poppins", sans-serif;
  font-size: 10px;
  /* color: rgba(255, 173, 65, 0.4); */
  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: 0.06em;
  color: var(--muted);
}
.foot-brand span {
  color: var(--gold);
}
.foot-note {
  font-family: "Poppins", sans-serif;
  font-size: 11px;
  color: rgba(255, 173, 65, 0.4);
  max-width: 460px;
  text-align: right;
  line-height: 1.6;
}

/* ─── SCROLL FX ─── */
.up {
  opacity: 0;
  transform: translateY(22px);
  transition:
    opacity 0.55s ease,
    transform 0.55s ease;
}
.up.in {
  opacity: 1;
  transform: translateY(0);
}

.mf-detail {
  padding: 20px 0px 45px;
}
.what-sec {
  padding: 20px 0px 40px;
}
.market-sec {
  padding: 80px 0px;
}
/* ─── 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;
  }
  .mf-detail {
    margin-top: 0px !important;
  }
}
@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;
  }
  .ic-tags {
    display: flex;
    flex-direction: column;
    gap: 10px;
  }

  .ic-tag {
    width: 100%;
    text-align: center;
  }
  .trust-row {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 16px;
  }

  .trust-item {
    width: 100%;
  }
}

@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, 0.5);
  /* border: 1px solid var(--border); */
  border-radius: 12px;
  padding: 36px;
}
.why-cell {
  position: relative;
  bottom: 70px;
}
.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;
  }
  #market .mkt-cell:nth-child(2) {
    display: none;
  }
}

/* logo */
.nav-inner img {
  height: 36px;
  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, 3.9rem); /* smaller */
}

.line2 {
  font-size: clamp(3rem, 10vw, 3.9rem); /* bigger */
}

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

  .hero {
    background-image: none;
    padding: 80px 20px 40px;
    /* 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;
    line-height: 1.4;
    /* font-size: 14px; */
  }
  .hero-cta-row {
    justify-content: center;
  }
  .model-toggle {
    width: 100%;
    flex-direction: row;
    margin-bottom: 0px;
  }
  .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: 6vw !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: 0px !important;
  }

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

  #market .sec-title {
    font-size: 5vw !important;
    word-break: break-word !important;
    line-height: 1.3 !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: -38px;
    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) {
    /* display: none; */
    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;
  /* padding: 0px 0px 80px; */
}
.sc-ti {
  font-size: 28px;
}
/* #market {
  background-image: url('./banner1.png');
  background-size: cover;
   
  background-position: center center;
  background-repeat: no-repeat;
  padding:88px 0px;
} */

#market {
  background-image: url("images/banner2-1.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: 40px 0px;
}

#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;
}
.ZO {
  display: none;
}
@media (min-width: 769px) {
  .field input,
  .field select {
    width: 100%;
  }

  .sel-wrap {
    width: 100%;
    display: block;
  }
}
@media (max-width: 768px) {
  #models {
    padding-top: 45px;
  }

  .nav-inner img {
    height: 23px !important;
    width: auto;
    object-fit: contain;
  }

  .foot-brand img {
    height: 37px;
  }
  .tc {
    display: none;
  }
  .ZO {
    display: block;
  }
  .sc-ti {
    font-size: 31px !important;
  }
  .form-benefits,
  .fb {
    display: flex;
    flex-direction: column;
    text-align: center;
  }
  .fms-btn {
    font-size: 20px;
  }
  .model-fee {
    margin-top: 40px;
  }
  .model-head h3 {
    font-weight: 500;
    line-height: 1.3;
  }
  .what-sec {
    margin-top: 0px;
  }
  .invest-card::before {
    display: none;
  }
  .why-cell {
    bottom: 0px;
  }
}

/* ─── MF DETAIL / ZONES SECTION: LIGHT THEME OVERRIDE ─── */
#mf-detail {
  background: linear-gradient(180deg, #ffffff 0%, #f0f2f4 100%);
}
#mf-detail .eyebrow {
  color: var(--navy);
  margin-top: 25px;
}
#mf-detail .sec-title {
  color: var(--navy);
}
#mf-detail .sec-title em {
  color: var(--gold2);
}
#mf-detail .rule {
  background: linear-gradient(90deg, var(--navy), var(--navy2));
}

/* zone cards */
#mf-detail .zone-card.z-gold {
  background: linear-gradient(
    135deg,
    rgba(242, 208, 37, 0.12),
    rgba(242, 208, 37, 0.05)
  );
  border: 1.5px solid rgba(242, 208, 37, 0.45);
}
#mf-detail .zone-card.z-std {
  background: #ffffff;
  border: 1px solid rgba(1, 60, 90, 0.12);
}
#mf-detail .z-std .z-badge {
  background: rgba(1, 60, 90, 0.08);
  color: var(--navy);
}
#mf-detail .z-std .z-fee {
  color: var(--navy);
}
#mf-detail .z-name {
  color: var(--navy);
}
#mf-detail .z-desc {
  color: #5a6a75;
}
#mf-detail .z-list li {
  color: var(--navy2);
}

/* protect box */
#mf-detail .protect-box {
  background: #ffffff;
  border: 1px solid rgba(1, 60, 90, 0.15);
  margin-top: 20px;
}
#mf-detail .protect-box h5 {
  color: var(--navy);
}
#mf-detail .protect-box p {
  color: #4a5a65;
}