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

:root {
  --bg:        #0b2b45;
  --bg2:       #0d3050;
  --bg3:       #0a2538;
  --gold:      #e7d4a0;
  --text:      #ffffff;
  --muted:     rgba(255,255,255,0.82);
  --faint:     rgba(255,255,255,0.55);
  --rule:      #1a3d5c;
  --header-h:  120px;
  --flare-h:   44px;
  --gutter:    15vw;
  --gap:       24px;
}

html { scroll-behavior: smooth; }

body {
  background: #fff;
  color: #fff;
  font-family: 'Jost', Helvetica, Arial, sans-serif;
  font-size: 19px;
  font-weight: 300;
  overflow-x: hidden;
}

/* ════════════════════════════════
   HEADER: logo centred, toggle right
   Fixed height so we can calculate hero
   ════════════════════════════════ */
.site-header {
  position: sticky;
  top: 0;
  z-index: 300;
  background: #0b2b45;
  height: var(--header-h);
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 6px;
  padding: 0 40px;
}

.header-logo {
  display: block;
  height: 64px;
  width: auto;
}

.header-strapline {
  font-size: 12px;
  font-weight: 500;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: rgba(231,212,160,0.65);
}

/* Hamburger toggle — top right of header */
.menu-toggle {
  position: absolute;
  right: 40px; top: 50%;
  transform: translateY(-50%);
  background: none; border: none; cursor: pointer;
  display: flex; flex-direction: column;
  gap: 5px; padding: 8px;
}
.menu-toggle span {
  display: block;
  width: 24px; height: 1.5px;
  background: var(--gold);
  transition: transform 0.3s, opacity 0.3s;
  transform-origin: center;
}
.menu-toggle.open span:nth-child(1) { transform: translateY(6.5px) rotate(45deg); }
.menu-toggle.open span:nth-child(2) { opacity: 0; transform: scaleX(0); }
.menu-toggle.open span:nth-child(3) { transform: translateY(-6.5px) rotate(-45deg); }

/* CTA group top-left of header */
.header-cta-group {
  position: absolute;
  left: 40px; top: 50%;
  transform: translateY(-50%);
  display: flex;
  flex-direction: column;
  gap: 6px;
}
.header-cta, .header-login {
  font-family: 'Jost', sans-serif; font-size: 11px; font-weight: 500;
  letter-spacing: 0.18em; text-transform: uppercase;
  border-radius: 2px;
  padding: 10px 22px; cursor: pointer;
  text-decoration: none;
  white-space: nowrap;
  text-align: center;
}
.header-cta {
  color: var(--bg); background: var(--gold);
  border: none;
  transition: opacity 0.2s;
}
.header-cta:hover { opacity: 0.85; }
.header-login {
  color: var(--gold); background: none;
  border: 1px solid rgba(231,212,160,0.4);
  transition: border-color 0.25s;
}
.header-login:hover { border-color: var(--gold); }

/* ════════════════════════════════
   ACCORDION NAV OVERLAY
   ════════════════════════════════ */
.nav-drawer {
  position: fixed;
  top: 0; right: 0;
  width: min(360px, 100vw);
  height: 100vh;
  z-index: 400;
  background: #0a2030;
  display: flex;
  flex-direction: column;
  transform: translateX(100%);
  transition: transform 0.38s cubic-bezier(0.4, 0, 0.2, 1);
  box-shadow: -8px 0 40px rgba(0,0,0,0.35);
  overflow-y: auto;
}
.nav-drawer.open { transform: translateX(0); }

/* Overlay scrim */
.nav-scrim {
  position: fixed; inset: 0;
  z-index: 399;
  background: rgba(0,0,0,0.5);
  opacity: 0; pointer-events: none;
  transition: opacity 0.35s ease;
}
.nav-scrim.open { opacity: 1; pointer-events: auto; }

/* Close button */
.nav-close {
  position: absolute;
  top: 18px; right: 18px;
  width: 36px; height: 36px;
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  cursor: pointer;
  color: var(--faint);
  font-size: 18px; line-height: 1;
  transition: background 0.2s, color 0.2s;
}
.nav-close:hover { background: rgba(231,212,160,0.15); color: var(--gold); }

/* Nav items container */
.nav-drawer-inner {
  padding: 72px 0 40px;
  display: flex;
  flex-direction: column;
}

/* Top-level accordion item */
.nav-item {
  border-bottom: 1px solid rgba(255,255,255,0.07);
}
.nav-item-toggle {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 18px 28px;
  cursor: pointer;
  transition: background 0.2s;
  user-select: none;
}
.nav-item-toggle:hover { background: rgba(255,255,255,0.04); }
.nav-item-label {
  font-family: 'Jost', sans-serif;
  font-size: 15px; font-weight: 400;
  letter-spacing: 0.06em;
  color: rgba(255,255,255,0.88);
  text-decoration: none;
}
.nav-item-icon {
  font-size: 20px; font-weight: 300;
  color: rgba(255,255,255,0.4);
  line-height: 1;
  transition: transform 0.3s ease, color 0.2s;
  width: 24px; text-align: center;
}
.nav-item.open .nav-item-icon {
  transform: rotate(45deg);
  color: var(--gold);
}

/* Sub-links */
.nav-sub {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.35s cubic-bezier(0.4, 0, 0.2, 1);
  background: rgba(0,0,0,0.2);
}
.nav-item.open .nav-sub { max-height: 300px; }
.nav-sub a {
  display: block;
  padding: 12px 28px 12px 40px;
  font-family: 'Jost', sans-serif;
  font-size: 12px; font-weight: 400;
  letter-spacing: 0.1em; text-transform: uppercase;
  color: rgba(255,255,255,0.45);
  text-decoration: none;
  transition: color 0.2s;
  border-bottom: 1px solid rgba(255,255,255,0.04);
}
.nav-sub a:last-child { border-bottom: none; }
.nav-sub a:hover { color: var(--gold); }

/* Direct links (no sub-items) */
.nav-direct {
  display: flex;
  align-items: center;
  padding: 18px 28px;
  font-family: 'Jost', sans-serif;
  font-size: 15px; font-weight: 400;
  letter-spacing: 0.06em;
  color: rgba(255,255,255,0.88);
  text-decoration: none;
  border-bottom: 1px solid rgba(255,255,255,0.07);
  transition: background 0.2s, color 0.2s;
}
.nav-direct:hover { background: rgba(255,255,255,0.04); color: var(--gold); }

/* Phone at bottom of nav */
.nav-phone {
  margin-top: auto;
  padding: 28px;
  border-top: 1px solid rgba(255,255,255,0.07);
  font-size: 14px; font-weight: 300;
  letter-spacing: 0.06em;
  color: var(--gold);
  text-decoration: none;
  display: block;
}


/* ════════════════════════════════
   SCROLL HERO
   Hero height: viewport minus header, minus top+bottom gutter
   On first load this means it sits entirely above the fold
   ════════════════════════════════ */
.scroll-driver {
  height: 200vh;
  position: relative;
  padding: 5px 0 48px;
  background: #fff;
}

.hero-pin {
  position: sticky;
  top: calc(var(--header-h) + var(--flare-h) + 5px);
  height: calc(100vh - var(--header-h) - var(--flare-h) - 5px - 48px);
  overflow: hidden;
  border-radius: 0;
}

/* Panels */
.panel {
  position: absolute; inset: 0;
  opacity: 0; pointer-events: none;
}
.panel.active { opacity: 1; pointer-events: auto; }
#panel-0 { background: #fff; }
#panel-0 .panel-img { left: 40px; right: 50%; width: calc(50% - 40px); object-position: 20% center; }
#panel-0 .panel-text { right: 40px; }

.panel-img {
  position: absolute;
  top: 0; bottom: 0; left: 0; right: 50%;
  width: 50%; height: 100%;
  object-fit: cover;
  object-position: center center;
  display: block;
  will-change: transform, opacity;
}

.panel-overlay {
  position: absolute; inset: 0;
  background: linear-gradient(
    to right,
    transparent 10%,
    rgba(10,37,56,0.55) 45%,
    rgba(10,37,56,0.82) 100%
  );
}
.panel-overlay--clear-left {
  background: linear-gradient(
    to right,
    transparent 0%,
    transparent 48%,
    rgba(10,37,56,0.7) 62%,
    rgba(10,37,56,0.88) 100%
  );
}

.panel-text {
  position: absolute;
  top: 0; bottom: 0;
  left: 50%; right: 0;
  padding: 0 60px;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  justify-content: center;
  gap: 20px;
  will-change: transform, opacity;
  background: #0b2b45;
}

.panel-text-left { width: 100%; }

.panel-text-right {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 10px;
}

.panel-eyebrow {
  display: block;
  font-size: 10px; font-weight: 500; letter-spacing: 0.24em;
  text-transform: uppercase; color: var(--gold);
  margin-bottom: 16px;
}
.panel-headline {
  font-family: 'Cormorant Garamond', Georgia, serif;
  font-size: clamp(36px, 4vw, 60px);
  font-weight: 300; line-height: 1.08;
  letter-spacing: -0.02em; color: var(--text);
  margin-bottom: 18px;
}
.panel-headline em { font-style: italic; color: var(--gold); }

.panel-body {
  font-size: 18px; line-height: 1.8;
  color: var(--muted); font-weight: 300;
  max-width: 420px;
}

.btn-gold {
  font-family: 'Jost', sans-serif; font-size: 11px; font-weight: 500;
  letter-spacing: 0.2em; text-transform: uppercase;
  color: var(--bg); background: var(--gold);
  border: none; border-radius: 2px;
  padding: 13px 28px; cursor: pointer;
  text-decoration: none; display: inline-block;
  white-space: nowrap; transition: opacity 0.2s;
}
.btn-gold:hover { opacity: 0.85; }

.btn-outline {
  font-family: 'Jost', sans-serif; font-size: 11px; font-weight: 400;
  letter-spacing: 0.18em; text-transform: uppercase;
  color: var(--gold); border: 1px solid rgba(231,212,160,0.4);
  border-radius: 2px; padding: 12px 26px; cursor: pointer;
  background: none; text-decoration: none; display: inline-block;
  white-space: nowrap; transition: border-color 0.25s;
}
.btn-outline:hover { border-color: var(--gold); }

/* Progress dots */
.progress-dots {
  position: fixed; right: 24px; top: 50%;
  transform: translateY(-50%); z-index: 200;
  display: flex; flex-direction: column; gap: 12px;
}
.dot {
  width: 5px; height: 5px; border-radius: 50%;
  background: rgba(26,61,92,0.9);
  border: 1px solid rgba(231,212,160,0.3);
  cursor: pointer;
  transition: background 0.4s, transform 0.4s, border-color 0.4s;
}
.dot.active { background: var(--gold); transform: scale(1.6); border-color: var(--gold); }

/* ════════════════════════════════
   SECTIONS BELOW HERO
   ════════════════════════════════ */
.s-features {
  background: #fff;
  padding: 48px 64px 0;
  position: relative;
}
/* Hairline: sits at the join between white and the navy flare bar */
.s-features::before {
  content: '';
  position: absolute;
  bottom: 44px; left: 10%; right: 10%;
  height: 1px;
  z-index: 2;
  background: linear-gradient(
    90deg,
    transparent 0%,
    rgba(231,212,160,0.12) 15%,
    rgba(231,212,160,0.65) 42%,
    rgba(231,212,160,0.9)  50%,
    rgba(231,212,160,0.65) 58%,
    rgba(231,212,160,0.12) 85%,
    transparent 100%
  );
}
/* Navy flare bar with central bloom */
.s-features::after {
  content: '';
  display: block;
  height: 44px;
  background:
    radial-gradient(ellipse 280px 44px at 50% 50%, rgba(231,212,160,0.22) 0%, rgba(231,212,160,0.06) 45%, transparent 70%),
    var(--bg);
}

.s-features-heading {
  font-family: 'Cormorant Garamond', Georgia, serif;
  font-size: clamp(42px, 5vw, 72px);
  font-weight: 300;
  letter-spacing: -0.02em;
  line-height: 1.05;
  color: var(--bg);
  text-align: center;
  margin-bottom: 48px;
}
.s-features-heading em {
  font-style: italic;
  color: var(--gold-dim, #b09a6a);
}
.features-grid {
  display: grid; grid-template-columns: repeat(3, 1fr);
  gap: 1px; background: var(--rule);
  border: 1px solid var(--rule);
}
.feature { background: var(--bg2); padding: 44px 40px; }
.f-num {
  font-family: 'Cormorant Garamond', serif;
  font-size: 44px; font-weight: 600;
  color: var(--gold); line-height: 1;
  margin-bottom: 18px; letter-spacing: -0.02em;
}
.f-title {
  font-size: 11px; font-weight: 500; letter-spacing: 0.18em;
  text-transform: uppercase; color: var(--text); margin-bottom: 14px;
}
.f-body { font-size: 18px; line-height: 1.78; color: var(--faint); font-weight: 300; }

/* CTA below the 3-step module */
.s-features--cta { padding-bottom: 72px; }
.s-features--cta::before,
.s-features--cta::after { display: none; }
.features-cta {
  text-align: center;
  margin-top: 56px;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 14px;
}
.features-cta .btn-gold-lg {
  font-family: 'Jost', sans-serif;
  font-size: 13px;
  font-weight: 500;
  letter-spacing: 0.28em;
  text-transform: uppercase;
  color: var(--bg);
  background: var(--gold);
  border: none;
  border-radius: 2px;
  padding: 18px 44px;
  text-decoration: none;
  display: inline-block;
  white-space: nowrap;
  box-shadow: 0 14px 36px -18px rgba(11,43,69,0.45), 0 2px 0 rgba(255,255,255,0.4) inset;
  transition: transform 0.25s ease, box-shadow 0.25s ease, background 0.25s ease;
}
.features-cta .btn-gold-lg:hover {
  transform: translateY(-1px);
  background: #f0dcab;
  box-shadow: 0 20px 44px -20px rgba(11,43,69,0.55), 0 2px 0 rgba(255,255,255,0.5) inset;
}
.features-cta-note {
  font-family: 'Jost', sans-serif;
  font-size: 11px;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: rgba(11,43,69,0.55);
}

.s-quote {
  background: var(--bg3);
  padding: 52px 64px;
}
.quote-inner { max-width: 800px; margin: 0 auto; display: flex; gap: 32px; }
.quote-bar { flex: 0 0 2px; background: var(--gold); }
.quote-trustpilot {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  margin-top: 24px;
  padding: 10px 18px 10px 14px;
  background: #1a1a1a;
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: 6px;
  text-decoration: none;
  transition: background 0.2s;
}
.quote-trustpilot:hover { background: #222; }
.quote-trustpilot-stars {
  height: 22px;
  width: auto;
  display: block;
  flex-shrink: 0;
}
.quote-trustpilot-label {
  display: flex;
  flex-direction: column;
  gap: 1px;
}
.quote-trustpilot-reviewed {
  font-size: 9px;
  font-weight: 400;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.45);
  line-height: 1;
}
.quote-trustpilot-name {
  font-size: 13px;
  font-weight: 500;
  color: #00b67a;
  letter-spacing: 0.02em;
  line-height: 1.2;
}
.quote-text {
  font-family: 'Cormorant Garamond', Georgia, serif;
  font-style: italic; font-weight: 300;
  font-size: clamp(20px, 2.6vw, 28px);
  line-height: 1.65; color: var(--muted); margin-bottom: 22px;
}
.quote-attr {
  font-size: 11px; font-weight: 400; letter-spacing: 0.18em;
  text-transform: uppercase; color: var(--gold);
}

.s-cta {
  background: var(--bg);
  padding: 88px 64px;
}
.cta-inner {
  max-width: 1100px; margin: 0 auto;
  display: flex; align-items: flex-end;
  justify-content: space-between; gap: 60px;
}
.cta-eyebrow {
  font-size: 10px; font-weight: 500; letter-spacing: 0.24em;
  text-transform: uppercase; color: var(--gold); margin-bottom: 14px;
}
.cta-headline {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(32px, 3.5vw, 48px);
  font-weight: 300; line-height: 1.15; color: var(--text);
}
.cta-buttons { display: flex; align-items: center; gap: 10px; flex-wrap: wrap; justify-content: flex-end; }
.cta-btn-outline {
  font-family: 'Jost', sans-serif; font-size: 11px; font-weight: 500;
  letter-spacing: 0.18em; text-transform: uppercase;
  color: var(--gold); border: 1px solid var(--gold);
  border-radius: 2px; padding: 13px 22px;
  text-decoration: none; white-space: nowrap; transition: opacity 0.2s;
}
.cta-btn-outline:hover { opacity: 0.75; }
.cta-btn-filled {
  font-family: 'Jost', sans-serif; font-size: 11px; font-weight: 500;
  letter-spacing: 0.18em; text-transform: uppercase;
  color: var(--bg); background: var(--gold);
  border: none; border-radius: 2px; padding: 14px 22px;
  text-decoration: none; white-space: nowrap; transition: opacity 0.2s;
}
.cta-btn-filled:hover { opacity: 0.85; }

footer {
  background: var(--bg);
  border-top: 1px solid var(--rule);
  padding: 36px 64px;
}
.footer-inner { display: flex; align-items: center; justify-content: space-between; gap: 24px; }
.footer-logo { height: 28px; width: auto; opacity: 0.5; }
.footer-legal {
  font-size: 10px; color: rgba(176,168,152,0.5);
  letter-spacing: 0.04em; line-height: 1.7; text-align: right;
}
.footer-legal a { color: inherit; text-decoration: none; }

/* ── Hero 3: first section below fold ── */
.s-hero3 {
  position: relative;
  height: 85vh;
  overflow: hidden;
}
.s-hero3-img {
  position: absolute; inset: 0;
  width: 100%; height: 100%;
  object-fit: cover;
  object-position: 35% 20%;
}
.s-hero3-overlay {
  position: absolute; inset: 0;
  background: linear-gradient(
    to right,
    transparent 10%,
    rgba(10,37,56,0.55) 45%,
    rgba(10,37,56,0.85) 100%
  );
}
.s-hero3-text {
  position: absolute;
  top: 0; bottom: 0;
  left: 50%; right: 0;
  padding: 0 64px;
  display: flex;
  flex-direction: column;
  justify-content: center;
  gap: 20px;
}

/* ── Flare separator ── */
.flare {
  position: relative;
  height: 44px;
  background: var(--bg);
  overflow: hidden;
  flex-shrink: 0;
}
/* Hairline */
.flare::before {
  content: '';
  position: absolute;
  top: 50%; left: 10%; right: 10%;
  height: 1px;
  transform: translateY(-50%);
  background: linear-gradient(
    90deg,
    transparent 0%,
    rgba(231,212,160,0.12) 15%,
    rgba(231,212,160,0.65) 42%,
    rgba(231,212,160,0.9)  50%,
    rgba(231,212,160,0.65) 58%,
    rgba(231,212,160,0.12) 85%,
    transparent 100%
  );
}
/* Central bloom */
.flare::after {
  content: '';
  position: absolute;
  top: 50%; left: 50%;
  transform: translate(-50%, -50%);
  width: 280px; height: 44px;
  background: radial-gradient(
    ellipse at center,
    rgba(231,212,160,0.22) 0%,
    rgba(231,212,160,0.06) 45%,
    transparent 70%
  );
}

/* Sticky variant - sits between header and hero */
.flare-sticky {
  position: sticky;
  top: var(--header-h);
  z-index: 295;
}

/* ── Market Intelligence Module ── */
.s-market {
  background: #ffffff;
  padding: 42px 40px;
}
.s-market-shell {
  max-width: 1400px;
  margin: 0 auto;
  background: linear-gradient(180deg, rgba(10,37,56,0.98) 0%, rgba(8,30,45,1) 100%);
  border: 1px solid rgba(231,212,160,0.18);
  border-radius: 14px;
  box-shadow: 0 28px 80px rgba(0,0,0,0.18);
  overflow: hidden;
}
.s-market-topbar {
  display: flex;
  align-items: flex-end;
  justify-content: space-between;
  gap: 32px;
  padding: 34px 40px 30px;
  border-bottom: 1px solid rgba(231,212,160,0.12);
}
.s-market-kicker {
  display: block;
  font-size: 10px;
  font-weight: 500;
  letter-spacing: 0.24em;
  text-transform: uppercase;
  color: rgba(231,212,160,0.78);
  margin-bottom: 10px;
}
.s-market-heading {
  font-family: 'Cormorant Garamond', Georgia, serif;
  font-size: clamp(34px, 4vw, 58px);
  font-weight: 300;
  letter-spacing: -0.02em;
  line-height: 1.04;
  color: var(--text);
  margin-bottom: 10px;
}
.s-market-heading em { font-style: italic; color: var(--gold); }
.s-market-intro {
  max-width: 640px;
  font-size: 18px;
  line-height: 1.75;
  color: var(--muted);
}
.s-market-stamp {
  text-align: right;
  flex-shrink: 0;
}
.s-market-stamp-label,
.s-market-stamp-time {
  display: block;
  font-size: 10px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
}
.s-market-stamp-label { color: rgba(176,168,152,0.72); margin-bottom: 6px; }
.s-market-stamp-time { color: var(--gold); }
.s-market-inner {
  display: grid;
  grid-template-columns: minmax(0, 1.02fr) minmax(0, 1.18fr);
  gap: 0;
}
.market-panel {
  padding: 34px 40px 40px;
}
.market-panel + .market-panel {
  border-left: 1px solid rgba(231,212,160,0.1);
}
.market-panel-heading-row {
  display: flex;
  align-items: flex-end;
  justify-content: space-between;
  gap: 18px;
  margin-bottom: 22px;
}
.market-panel-heading {
  font-size: 11px;
  font-weight: 500;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--gold);
}
.market-panel-copy {
  font-size: 12px;
  line-height: 1.6;
  color: rgba(200,192,176,0.8);
  max-width: 250px;
  text-align: right;
}
.feature-pair-groups {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 16px;
}
.feature-group {
  padding: 18px;
  border-radius: 12px;
  background: linear-gradient(180deg, rgba(255,255,255,0.03) 0%, rgba(255,255,255,0.015) 100%);
}
.feature-group-header {
  display: flex;
  align-items: flex-end;
  justify-content: space-between;
  gap: 10px;
  margin-bottom: 14px;
  padding-bottom: 10px;
}
.feature-group-title {
  font-size: 10px;
  font-weight: 500;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: rgba(231,212,160,0.8);
}
.feature-group-copy {
  font-size: 10px;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(176,168,152,0.6);
}
.feature-pair-stack {
  display: grid;
  gap: 12px;
}

/* Subtle background differentials per group */
.feature-group--sterling {
  background: rgba(231,212,160,0.04);
  border-radius: 12px;
  padding: 16px;
  margin: -16px;
}
.feature-group--euro {
  background: rgba(80,160,220,0.06);
  border-radius: 12px;
  padding: 16px;
  margin: -16px;
}
/* Tint the cards inside each group to reinforce the differential */
.feature-group--sterling .rate-card {
  background: linear-gradient(180deg, rgba(231,212,160,0.06) 0%, rgba(231,212,160,0.02) 100%);
  border-color: rgba(231,212,160,0.16);
}
.feature-group--euro .rate-card {
  background: linear-gradient(180deg, rgba(80,160,220,0.09) 0%, rgba(80,160,220,0.03) 100%);
  border-color: rgba(80,160,220,0.18);
}
.rate-card {
  position: relative;
  padding: 16px 16px 14px;
  border: 1px solid rgba(231,212,160,0.12);
  border-radius: 10px;
  background: linear-gradient(180deg, rgba(255,255,255,0.03) 0%, rgba(255,255,255,0.015) 100%);
  min-height: 96px;
}
.rate-card::before {
  content: '';
  position: absolute;
  inset: 0;
  border-radius: inherit;
  background: linear-gradient(135deg, rgba(231,212,160,0.07) 0%, rgba(231,212,160,0) 45%);
  pointer-events: none;
}
.rate-card-head,
.rate-card-meta {
  position: relative;
  z-index: 1;
}
.rate-card-head {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  margin-bottom: 12px;
}
.rates-pair {
  color: var(--text);
  letter-spacing: 0.08em;
  font-weight: 400;
  font-size: 12px;
}
.rates-tag {
  font-size: 9px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: rgba(176,168,152,0.68);
}
.rate-card-meta {
  display: flex;
  align-items: flex-end;
  justify-content: space-between;
  gap: 12px;
}
.rates-value {
  color: var(--gold);
  font-family: 'Cormorant Garamond', Georgia, serif;
  font-size: 34px;
  line-height: 1;
  text-align: left;
  font-variant-numeric: tabular-nums;
  letter-spacing: -0.02em;
}
.rates-change-wrap {
  text-align: right;
}
.rates-change-label {
  display: block;
  font-size: 9px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: rgba(176,168,152,0.58);
  margin-bottom: 4px;
}
.rates-change {
  display: inline-flex;
  align-items: center;
  justify-content: flex-end;
  min-width: 78px;
  padding: 6px 8px 5px;
  border-radius: 999px;
  font-size: 11px;
  letter-spacing: 0.05em;
  border: 1px solid transparent;
}
.rates-change.up {
  color: #7fd0a5;
  background: rgba(92,184,138,0.12);
  border-color: rgba(92,184,138,0.2);
}
.rates-change.dn {
  color: #df8a72;
  background: rgba(192,97,74,0.12);
  border-color: rgba(192,97,74,0.2);
}
.rates-change.flat {
  color: var(--muted);
  background: rgba(255,255,255,0.05);
  border-color: rgba(255,255,255,0.06);
}
.rates-expand {
  margin-top: 16px;
}
.rates-expand-button {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 12px 18px;
  border-radius: 999px;
  border: 1px solid rgba(231,212,160,0.28);
  background: rgba(255,255,255,0.03);
  color: var(--gold);
  font-family: 'Jost', sans-serif;
  font-size: 10px;
  font-weight: 500;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  cursor: pointer;
  transition: opacity 0.2s, background 0.2s, border-color 0.2s;
}
.rates-expand-button:hover {
  opacity: 0.9;
  background: rgba(255,255,255,0.05);
  border-color: rgba(231,212,160,0.44);
}
.rates-expand-button .toggle-icon {
  font-size: 12px;
  line-height: 1;
}
.rates-extra {
  display: none;
  margin-top: 18px;
  border-top: 1px solid rgba(231,212,160,0.1);
  padding-top: 16px;
}
.rates-extra.open {
  display: block;
}
.rates-line-list {
  display: grid;
  gap: 10px;
}
.rate-line {
  display: grid;
  grid-template-columns: 1fr auto auto;
  align-items: center;
  gap: 14px;
  padding: 12px 0;
  border-bottom: 1px solid rgba(231,212,160,0.08);
}
.rate-line:last-child {
  border-bottom: none;
}
.rate-line .rates-pair {
  font-size: 11px;
}
.rate-line .rates-value {
  font-size: 24px;
}
.rate-line .rates-change {
  min-width: 72px;
}
.market-footnote {
  margin-top: 18px;
  font-size: 10px;
  color: rgba(176,168,152,0.72);
  letter-spacing: 0.08em;
}
.news-col {
  display: flex;
  flex-direction: column;
  gap: 18px;
}
.news-main {
  position: relative;
  overflow: hidden;
  border-radius: 12px;
  min-height: 420px;
  border: 1px solid rgba(231,212,160,0.12);
  background: #102d44;
}
.news-main img {
  width: 100%;
  height: 100%;
  position: absolute;
  inset: 0;
  object-fit: cover;
  object-position: center;
  display: block;
}
.news-main-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg, rgba(10,37,56,0.04) 0%, rgba(10,37,56,0.42) 36%, rgba(8,30,45,0.97) 100%);
}
.news-main-text {
  position: absolute;
  left: 0;
  right: 0;
  bottom: 0;
  padding: 28px 28px 26px;
}
.news-main-kicker {
  display: inline-block;
  font-size: 10px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 10px;
}
.news-main-headline {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(30px, 2.5vw, 38px);
  font-weight: 400;
  line-height: 1.08;
  color: var(--text);
  letter-spacing: -0.02em;
  margin-bottom: 12px;
  max-width: 88%;
}
.news-main-standfirst {
  font-size: 18px;
  line-height: 1.65;
  color: var(--muted);
  max-width: 72%;
}
.news-subs {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 14px;
}
.news-sub {
  display: flex;
  flex-direction: column;
  gap: 12px;
  padding: 12px;
  border: 1px solid rgba(231,212,160,0.1);
  border-radius: 10px;
  background: rgba(255,255,255,0.02);
  cursor: pointer;
  transition: transform 0.2s, border-color 0.2s, background 0.2s;
}
.news-sub:hover {
  transform: translateY(-2px);
  border-color: rgba(231,212,160,0.24);
  background: rgba(255,255,255,0.035);
}
.news-sub img {
  width: 100%;
  height: 112px;
  object-fit: cover;
  border-radius: 8px;
  flex-shrink: 0;
}
.news-sub-copy {
  display: flex;
  flex-direction: column;
  gap: 8px;
}
.news-sub-kicker {
  font-size: 9px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: rgba(231,212,160,0.74);
}
.news-sub-headline {
  font-family: 'Jost', sans-serif;
  font-size: 13px;
  font-weight: 300;
  line-height: 1.55;
  color: var(--muted);
}

@media (max-width: 1180px) {
  .s-market-topbar,
  .market-panel {
    padding-left: 28px;
    padding-right: 28px;
  }
  .s-market-inner {
    grid-template-columns: 1fr;
  }
  .market-panel + .market-panel {
    border-left: none;
    border-top: 1px solid rgba(231,212,160,0.1);
  }
}

@media (max-width: 980px) {
  .feature-pair-groups,
  .news-subs {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 860px) {
  .s-market {
    padding: 24px 16px 48px;
  }
  .s-market-topbar {
    flex-direction: column;
    align-items: flex-start;
    padding: 28px 24px 24px;
  }
  .s-market-stamp {
    text-align: left;
  }
  .market-panel {
    padding: 24px;
  }
  .market-panel-heading-row {
    flex-direction: column;
    align-items: flex-start;
    gap: 10px;
  }
  .market-panel-copy {
    text-align: left;
    max-width: none;
  }
  .feature-pair-groups,
  .news-subs {
    grid-template-columns: 1fr;
  }
  .news-main {
    min-height: 340px;
  }
  .news-main-text {
    padding: 22px 20px 20px;
  }
  .news-main-standfirst,
  .news-main-headline {
    max-width: 100%;
  }
  .rate-line {
    grid-template-columns: 1fr;
    align-items: flex-start;
    gap: 8px;
  }
  .rate-line .rates-change-wrap {
    text-align: left;
  }
}

/* ── Mobile rates tab toggle ── */
.rates-tab-toggle {
  display: none;
}
@media (max-width: 860px) {
  .rates-tab-toggle {
    display: flex;
    gap: 0;
    margin-bottom: 16px;
    border: 1px solid rgba(231,212,160,0.2);
    border-radius: 6px;
    overflow: hidden;
  }
  .rates-tab {
    flex: 1;
    padding: 10px;
    background: transparent;
    border: none;
    color: rgba(255,255,255,0.5);
    font-family: 'Jost', sans-serif;
    font-size: 11px;
    font-weight: 500;
    letter-spacing: 0.16em;
    text-transform: uppercase;
    cursor: pointer;
    transition: background 0.2s, color 0.2s;
  }
  .rates-tab.active {
    background: rgba(231,212,160,0.15);
    color: var(--gold);
  }
  .rates-tab + .rates-tab {
    border-left: 1px solid rgba(231,212,160,0.2);
  }
  .feature-pair-groups {
    display: block;
  }
  .feature-group {
    display: none;
  }
  .feature-group.tab-active {
    display: block;
  }
}
.module-frame {
  background: #fff;
  padding: 40px var(--gutter) 40px;
}
.module-frame .s-service,
.module-frame .s-hero3,
.module-frame .s-about {
  border-radius: 8px;
  overflow: hidden;
}

/* ── Transfers unified shell ── */
.s-transfers-shell {
  background: linear-gradient(180deg, rgba(10,37,56,0.98) 0%, rgba(8,30,45,1) 100%);
  border: 1px solid rgba(231,212,160,0.18);
  border-radius: 14px;
  box-shadow: 0 28px 80px rgba(0,0,0,0.18);
  overflow: hidden;
}
.s-transfers-header {
  padding: 34px 40px 30px;
  border-bottom: 1px solid rgba(231,212,160,0.12);
}
.s-transfers-kicker {
  display: block;
  font-size: 10px;
  font-weight: 500;
  letter-spacing: 0.24em;
  text-transform: uppercase;
  color: rgba(231,212,160,0.78);
  margin-bottom: 10px;
}
.s-transfers-heading {
  font-family: 'Cormorant Garamond', Georgia, serif;
  font-size: clamp(34px, 4vw, 58px);
  font-weight: 300;
  letter-spacing: -0.02em;
  line-height: 1.04;
  color: var(--text);
}
.s-transfers-heading em { font-style: italic; color: var(--gold); }
.s-transfers-shell .s-service {
  border-top: 1px solid rgba(231,212,160,0.12);
}
.s-transfers-shell .s-service:first-of-type {
  border-top: none;
}

/* ── Service sections (Personal, Corporate) ── */
.s-service {
  display: flex;
  height: 72vh;
  overflow: hidden;
}
.s-service-img {
  flex: 0 0 58%;
  position: relative;
  overflow: hidden;
}
.s-service-img img {
  width: 100%; height: 100%;
  object-fit: cover; display: block;
  transition: transform 0.6s ease;
}
.s-service:hover .s-service-img img { transform: scale(1.03); }
.s-service-text {
  flex: 0 0 42%;
  background: var(--bg);
  display: flex;
  flex-direction: column;
  justify-content: center;
  padding: 60px 64px;
  gap: 22px;
}
.s-service--reverse .s-service-img { order: 2; }
.s-service--reverse .s-service-text { order: 1; background: var(--bg2); }

.s-service-eyebrow {
  font-size: 10px; font-weight: 500; letter-spacing: 0.22em;
  text-transform: uppercase; color: var(--gold); opacity: 0.8;
}
.s-service-headline {
  font-family: 'Cormorant Garamond', Georgia, serif;
  font-size: clamp(36px, 4vw, 58px);
  font-weight: 300; letter-spacing: -0.025em;
  line-height: 1.06; color: var(--text);
}
.s-service-headline em { font-style: italic; color: var(--gold); }
.s-service-body {
  font-size: 18px; line-height: 1.75;
  color: rgba(255,255,255,0.75);
  font-weight: 300; max-width: 420px;
}

/* ── About section: full-width hero + three-column grid ── */
.s-about { background: var(--bg3); }

.s-about-hero {
  position: relative;
  height: 65vh;
  overflow: hidden;
}
.s-about-hero img {
  position: absolute;
  inset: 0;
  width: 100%; height: 100%;
  object-fit: cover; display: block;
  object-position: center 30%;
}
.s-about-hero-overlay {
  position: absolute; inset: 0;
  background: linear-gradient(
    to right,
    rgba(10,37,56,0.3) 0%,
    rgba(10,37,56,0.6) 50%,
    rgba(10,37,56,0.88) 100%
  );
}
.s-about-hero-text {
  position: absolute;
  top: 0; bottom: 0;
  right: 0; width: 50%;
  display: flex; flex-direction: column;
  justify-content: center;
  padding: 0 64px;
  gap: 20px;
}
.s-about-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1px;
  background: var(--rule);
  border-top: 1px solid var(--rule);
}
.s-about-cell {
  background: var(--bg3);
  padding: 48px 44px;
  display: flex;
  flex-direction: column;
  gap: 16px;
}
a.s-about-cell {
  color: inherit;
  text-decoration: none;
  transition: background 0.25s;
}
a.s-about-cell:hover { background: #133352; }
a.s-about-cell:hover .s-about-cell-title { color: var(--gold); }
.s-about-icon {
  font-size: 14px;
  color: var(--gold);
  opacity: 0.6;
}
.s-about-cell-title {
  font-family: 'Cormorant Garamond', serif;
  font-size: 22px; font-weight: 400;
  color: var(--text); letter-spacing: -0.01em;
  line-height: 1.2;
}
.s-about-cell-body {
  font-size: 18px; line-height: 1.75;
  color: rgba(255,255,255,0.65);
  font-weight: 300;
}

/* ── Supported currencies grid ── */
.s-currencies {
  background: var(--bg);
  padding: 64px 64px 80px;
}
.s-currencies-grid {
  max-width: 1200px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1px;
  background: var(--rule);
  border: 1px solid var(--rule);
}
.s-currencies-cell {
  background: var(--bg2);
  padding: 22px 24px;
  display: flex;
  flex-direction: column;
  gap: 4px;
}
.s-currencies-code {
  font-family: 'Cormorant Garamond', Georgia, serif;
  font-size: 22px;
  font-weight: 600;
  color: var(--gold);
  letter-spacing: 0.04em;
}
.s-currencies-name {
  font-size: 13px;
  font-weight: 300;
  color: var(--muted);
  letter-spacing: 0.04em;
}
@media (max-width: 980px) {
  .s-currencies-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 600px) {
  .s-currencies { padding: 40px 16px 60px; }
  .s-currencies-grid { grid-template-columns: 1fr; }
}

/* ── Partner benefits grid ── */
.s-benefits {
  background: var(--bg);
  padding: 64px 64px 80px;
}
.s-benefits-heading {
  font-family: 'Cormorant Garamond', Georgia, serif;
  font-size: clamp(34px, 4vw, 52px);
  font-weight: 300;
  letter-spacing: -0.02em;
  line-height: 1.05;
  color: var(--text);
  text-align: center;
  margin-bottom: 48px;
}
.s-benefits-heading em { font-style: italic; color: var(--gold); }
.s-benefits-grid {
  max-width: 1200px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1px;
  background: var(--rule);
  border: 1px solid var(--rule);
}
.s-benefits-cell {
  background: var(--bg2);
  padding: 40px 36px;
  display: flex;
  flex-direction: column;
  gap: 14px;
}
.s-benefits-cell-title {
  font-size: 11px;
  font-weight: 500;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--gold);
}
.s-benefits-cell-headline {
  font-family: 'Cormorant Garamond', serif;
  font-size: 24px;
  font-weight: 400;
  color: var(--text);
  letter-spacing: -0.01em;
  line-height: 1.2;
}
.s-benefits-cell-body {
  font-size: 16px;
  line-height: 1.7;
  color: var(--faint);
  font-weight: 300;
}
@media (max-width: 860px) {
  .s-benefits { padding: 40px 16px 60px; }
  .s-benefits-grid { grid-template-columns: 1fr; }
  .s-benefits-cell { padding: 28px 24px; }
}

/* ── Footer ── */
.site-footer {
  background: var(--bg);
  padding: 52px 64px 36px;
  text-align: center;
}
.footer-logo-row {
  margin-bottom: 28px;
}
.footer-logo-img {
  height: 52px; width: auto;
  display: inline-block;
}
.footer-gold-rule {
  height: 1px;
  background: linear-gradient(90deg, transparent, var(--gold) 30%, var(--gold) 70%, transparent);
  opacity: 0.3;
  margin: 0 10% 36px;
}
.footer-nav-row {
  display: flex;
  justify-content: center;
  flex-wrap: wrap;
  gap: 8px 32px;
  margin-bottom: 28px;
}
.footer-nav-row a {
  font-size: 11px; font-weight: 400; letter-spacing: 0.14em;
  text-transform: uppercase; color: rgba(255,255,255,0.55);
  text-decoration: none; transition: color 0.2s;
}
.footer-nav-row a:hover { color: var(--gold); }
.footer-contact-row {
  display: flex;
  justify-content: center;
  align-items: center;
  gap: 16px;
  margin-bottom: 24px;
}
.footer-contact-row a {
  font-size: 14px; color: var(--gold);
  text-decoration: none;
  transition: opacity 0.2s;
}
.footer-contact-row a:hover { opacity: 0.75; }
.footer-dot {
  color: var(--rule);
  font-size: 16px;
}
.footer-legal-row {
  display: flex;
  justify-content: center;
  align-items: center;
  flex-wrap: wrap;
  gap: 8px 20px;
  font-size: 11px;
  color: rgba(255,255,255,0.3);
  letter-spacing: 0.06em;
  padding-top: 24px;
  border-top: 1px solid var(--rule);
}
.footer-legal-row a {
  color: rgba(255,255,255,0.35);
  text-decoration: none;
  transition: color 0.2s;
}
.footer-legal-row a:hover { color: var(--gold); }

/* ════════════════════════════════
   RESPONSIVE
   ════════════════════════════════ */
@media (max-width: 860px) {
  :root {
    --header-h: 100px;
    --flare-h:  44px;
    --gutter: 16px;
    --gap: 16px;
  }

  /* Header */
  .site-header { padding: 0 20px; gap: 4px; }
  .header-logo { height: 56px; }
  .header-strapline { font-size: 9.5px; letter-spacing: 0.16em; }
  .header-cta { display: none; }
  .menu-toggle { right: 16px; }

  /* ── Mobile hero: stacked layout ── */

  /* Panel becomes a column: image top, text box bottom */
  .panel {
    flex-direction: column;
    opacity: 1;
    display: none;
  }
  .panel.active { display: flex; }

  /* Image: top portion, fixed height */
  .panel-img {
    position: relative;
    width: 100%;
    height: 42%;
    flex-shrink: 0;
    object-fit: cover;
    object-position: center 30%;
  }

  /* Reset panel-0 desktop-only overrides for mobile */
  #panel-0 .panel-img {
    left: auto; right: auto;
    width: 100%; height: 42%;
    object-position: 20% 30%;
  }
  #panel-0 .panel-text { right: auto; }

  /* No overlay needed - text has its own background */
  .panel-overlay { display: none; }

  /* Text box: dark blue, fills remaining space */
  .panel-text {
    position: relative;
    left: auto; right: auto; top: auto; bottom: auto;
    flex: 1;
    background: #0b2b45;
    padding: 28px 24px 24px;
    justify-content: flex-start;
    align-items: flex-start;
    gap: 14px;
    overflow-y: scroll;
    -webkit-overflow-scrolling: touch;
  }

  .panel-text-left { width: 100%; }

  .panel-eyebrow { margin-bottom: 4px; }

  .panel-body {
    line-height: 1.3;
    max-width: 100%;
  }

  .panel-text-right {
    flex-direction: row;
    flex-wrap: wrap;
    gap: 8px;
    width: 100%;
  }

  /* Progress dots */
  .progress-dots { right: 8px; }
  .dot { width: 4px; height: 4px; }

  /* Sections */
  .s-features { padding: 32px 24px; }
  .s-quote, .s-cta { padding: 48px 24px; }
  .features-grid { grid-template-columns: 1fr; }
  .cta-inner { flex-direction: column; align-items: flex-start; gap: 28px; }
  .cta-buttons { justify-content: flex-start; flex-wrap: wrap; }
  footer { padding: 28px 24px; }
  .footer-inner { flex-direction: column; align-items: flex-start; gap: 16px; }
  .footer-legal { text-align: left; }
  .quote-inner { gap: 20px; }

  /* Hero 3 section: stacked on mobile */
  .s-hero3 { height: auto; }
  .s-hero3-img {
    position: relative; inset: auto;
    width: 100%; height: 52vw; min-height: 220px;
    display: block;
  }
  .s-hero3-overlay { display: none; }
  .s-hero3-text {
    position: relative;
    left: auto; right: auto;
    background: #0b2b45;
    padding: 28px 24px;
  }

  /* Service sections: stack vertically */
  .s-service { flex-direction: column; height: auto; }
  .s-service-img { flex: none; height: 50vw; }
  .s-service-text { flex: none; padding: 36px 24px; }
  .s-service--reverse .s-service-img { order: 0; }
  .s-service--reverse .s-service-text { order: 1; }

  /* About section: stack image then text */
  .s-about-hero { height: auto; }
  .s-about-hero img {
    position: relative; inset: auto;
    width: 100%; height: 52vw; min-height: 220px;
    display: block;
  }
  .s-about-hero-text {
    position: relative; width: 100%;
    right: auto; top: auto; bottom: auto;
    background: var(--bg3);
    padding: 28px 24px;
  }
  .s-about-hero-overlay { display: none; }
  .s-about-grid { grid-template-columns: 1fr; }
  .s-about-cell { padding: 28px 24px; }

  /* ── Mobile font sizes ── */
  body { font-size: 20px; line-height: 1.3; }
  .panel-body { font-size: 20px; line-height: 1.3; max-width: 100%; }
  .s-service-body { font-size: 20px; line-height: 1.3; }
  .f-body { font-size: 20px; line-height: 1.3; }
  .s-about-cell-body { font-size: 18px; line-height: 1.3; }
  .news-main-standfirst { font-size: 17px; line-height: 1.3; }
  .s-market-intro { font-size: 16px; line-height: 1.3; }
  .s-hero3-text p { font-size: 20px; line-height: 1.3; }

  /* ── Mobile headlines: must dominate above body text ── */
  .panel-headline { font-size: clamp(36px, 9vw, 48px); margin-bottom: 10px; }
  .s-service-headline { font-size: clamp(34px, 8.5vw, 46px); }
  .s-features-heading { font-size: clamp(38px, 9.5vw, 52px); }
  .s-hero3-text .panel-headline { font-size: clamp(36px, 9vw, 48px); }
  .s-about-cell-title { font-size: clamp(26px, 6.5vw, 34px); }
}