:root{--bk:#0b0b0b;--ch:#1a1a1a;--g:#6b6b6b;--lt:#eef3fc;--gold:#0349c4}
*{box-sizing:border-box;margin:0}html{scroll-behavior:smooth}
body{font-family:"Helvetica Neue",Arial,sans-serif;color:#222;line-height:1.6;background:#fff}
.wrap{max-width:1160px;margin:auto;padding:0 20px}.narrow{max-width:760px;text-align:center}
.hdr{position:sticky;top:0;z-index:10;background:#fff;border-bottom:1px solid #e5e5e5}
.nav{display:flex;align-items:center;justify-content:space-between;height:72px}
.brand img{height:60px;display:block}
nav a{margin-left:28px;color:var(--bk);text-decoration:none;font-size:14px;letter-spacing:.08em;text-transform:uppercase}
nav a:hover{color:var(--gold)}.navr{display:flex;gap:10px;margin-left:24px}
.lang{border:1px solid var(--bk);background:none;padding:6px 12px;cursor:pointer;font-weight:600}
.burger{display:none;background:none;border:0;font-size:26px;cursor:pointer}
.hero{position:relative;background:linear-gradient(#0b0b0b,#262626);color:#fff;padding:120px 0 170px;overflow:hidden}
.sky{position:absolute;bottom:0;left:0;width:100%;height:220px;opacity:.9}
.heroin{position:relative}.eyebrow{color:var(--gold);letter-spacing:.3em;text-transform:uppercase;font-size:13px}
h1{font-size:clamp(38px,6vw,68px);line-height:1.08;font-weight:300;margin:12px 0}
.lead{max-width:540px;color:#cfcfcf;font-size:18px}.btns{margin-top:32px;display:flex;gap:14px;flex-wrap:wrap}
.btn{display:inline-block;padding:14px 28px;text-decoration:none;font-weight:600;letter-spacing:.06em;text-transform:uppercase;font-size:13px;border:1px solid var(--gold);cursor:pointer;font-family:inherit}
.gold{background:var(--gold);color:#fff}.gold:hover{background:#023a9e}.ghost{color:#fff;border-color:#fff}.ghost:hover{background:#fff;color:#000}
.sec{padding:80px 0}.alt{background:var(--lt)}
h2{font-size:34px;font-weight:300;margin-bottom:12px;color:var(--bk)}h2:after{content:"";display:block;width:48px;height:2px;background:var(--gold);margin-top:10px}
.narrow h2:after{margin:10px auto 0}.note{color:var(--g);font-style:italic;margin-bottom:30px}
.grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(320px,1fr));gap:24px}
.car{border:1px solid #e3e3e3;background:#fff;transition:.2s}.car:hover{box-shadow:0 10px 30px #0002;transform:translateY(-3px)}
.car .ph{background:linear-gradient(#ececec,#d6d6d6);aspect-ratio:16/10;display:flex;align-items:center;justify-content:center;position:relative}
.car .ph svg{width:70%}.tag{position:absolute;top:10px;left:10px;background:var(--bk);color:#fff;font-size:11px;padding:3px 8px;letter-spacing:.1em}
.car .bd{padding:18px 20px}.car h3{font-weight:500;font-size:19px}.meta{color:var(--g);font-size:14px}
.pr{display:flex;justify-content:space-between;align-items:center;margin-top:14px}.pr b{font-size:22px}.pr .btn{padding:10px 18px}
.feats{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;margin-top:30px}.t3{grid-template-columns:repeat(3,1fr);margin-top:0}
.feat{background:#fff;padding:28px;border-top:2px solid var(--gold)}.feat span{font-size:22px;color:var(--gold);font-weight:700}.feat h3{margin:8px 0;font-weight:500}.feat p{color:var(--g);font-size:15px}
blockquote{background:#fff;padding:28px;font-size:18px;font-style:italic;border-left:2px solid var(--gold)}cite{display:block;margin-top:12px;font-size:14px;color:var(--g);font-style:normal}
.two{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:start}
.form{display:flex;flex-direction:column;gap:12px;margin-top:6px}.row{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}
input,select,textarea{padding:13px;border:1px solid #cfcfcf;font:inherit;background:#fff;width:100%}input:focus,select:focus,textarea:focus{outline:2px solid var(--gold);border-color:transparent}
.fine{font-size:12px;color:var(--g)}.ok{color:#2e6b2e;font-weight:600}
.info{list-style:none;padding:0;margin:20px 0 26px}.info li{padding:8px 0;border-bottom:1px solid #eee}.info b{display:inline-block;width:90px;color:var(--g);font-weight:500}.info a{color:inherit}
.map{min-height:420px;background:#eee}.map iframe{width:100%;height:420px;border:0;display:block}
.ftr{background:var(--bk);color:#aaa;text-align:center;padding:40px 0;font-size:14px}.ftr img{height:70px;filter:invert(1);mix-blend-mode:screen;margin-bottom:10px}
@media(max-width:900px){.feats{grid-template-columns:1fr 1fr}.t3{grid-template-columns:1fr}.two{grid-template-columns:1fr;gap:30px}
.burger{display:block}nav{display:none;position:absolute;top:72px;left:0;right:0;background:#fff;flex-direction:column;border-bottom:1px solid #ddd}nav.open{display:flex}nav a{margin:0;padding:14px 20px;border-top:1px solid #eee}}
@media(max-width:520px){.feats{grid-template-columns:1fr}.grid{grid-template-columns:1fr}.hero{padding:80px 0 150px}.brand img{height:50px}.row{grid-template-columns:1fr}.btns .btn{width:100%;text-align:center}}
.info li{display:flex}.info b{flex:0 0 90px}.ftr a{white-space:nowrap}
.hero{background:radial-gradient(ellipse 60% 70% at 80% 30%,rgba(3,73,196,.28),transparent 70%),radial-gradient(ellipse 50% 50% at 10% 100%,rgba(3,73,196,.15),transparent 70%),linear-gradient(#05070c,#191c24)}
.sky path{fill:#0d1220}.ghost:hover{background:var(--gold);border-color:var(--gold)}
.feat{box-shadow:0 4px 14px rgba(3,73,196,.08)}.feat span{display:inline-flex;width:44px;height:44px;align-items:center;justify-content:center;border-radius:50%;background:#e2eafb;font-size:18px}
.tag{background:var(--gold)}.pr b{color:#0b0b0b}.car:hover{box-shadow:0 10px 30px rgba(3,73,196,.18)}
.ftr{border-top:4px solid var(--gold)}.ftr img{filter:none;mix-blend-mode:normal;background:#fff;padding:8px 14px;border-radius:6px}
.ftr a{color:#8fb3ff!important}
/* ===== dark theme ===== */
:root{--gold:#2f6bff;--lt:#0b0f1a}
body{background:#000;color:#e6e8ee}
.hdr{background:#000;border-bottom:1px solid #1c2233}
nav a{color:#e6e8ee}nav a:hover{color:#5b8cff}
.lang{border-color:#e6e8ee;color:#e6e8ee}.burger{color:#e6e8ee}
.sec{background:#000}.alt{background:#0b0f1a}
h2,.car h3,.feat h3{color:#fff}.note,.meta,.feat p,.fine,cite,.info b{color:#9aa3b5}
.eyebrow{color:#5b8cff}
.car,.feat,blockquote{background:#10141f;border-color:#232a3b}.car .ph{background:linear-gradient(#1a2030,#121724)}
.car .ph svg path{fill:#4a5268}.car .ph svg circle{fill:#2a3040}.pr b{color:#fff}
.feat span{background:#14204a;color:#7da2ff}
input,select,textarea{background:#0e121c;border-color:#2c3446;color:#f2f4f8}
input::placeholder,textarea::placeholder{color:#8a93a6}select option{background:#0e121c}
.info li{border-color:#1c2233}.info a{color:#8fb3ff}
.ftr{background:#05070c}.ftr img{background:none;padding:0}
.ok{color:#6fdc84}
@media(max-width:900px){nav{background:#000;border-color:#1c2233}nav a{border-color:#1c2233}}
.feat{border-top-color:var(--gold)}blockquote{border-left-color:var(--gold)}
.nav{height:92px}.brand img{height:80px}@media(max-width:900px){nav{top:92px}}
@media(max-width:520px){.nav{height:80px}.brand img{height:66px}nav{top:80px}}
.ftr img{height:90px}
.ftr{background:#000}
.nav{height:100px}.brand img{height:88px}@media(max-width:900px){nav{top:100px}}
@media(max-width:520px){.nav{height:84px}.brand img{height:72px}nav{top:84px}}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none}.brand img{height:76px;width:76px}
.bt{display:flex;flex-direction:column;line-height:1.05}.bt b{color:#fff;font-size:17px;letter-spacing:.18em}.bt i{font-style:normal;color:#2f6bff;font-weight:800;font-size:22px;letter-spacing:.04em}
@media(max-width:520px){.brand img{height:62px;width:62px}.bt b{font-size:13px}.bt i{font-size:17px}}
.ftr img{height:130px}
/* footer bar */
.ftr{padding:40px 0 0}.ftr a{color:#8fb3ff}
.fbar{margin-top:30px;border-top:1px solid #1c2233;background:#05070c;padding:26px 0 30px;color:#c9cfdb;font-size:15px;letter-spacing:.02em}
.fbar p{margin:0 0 12px}.fbar .ul{color:#fff!important;text-decoration:underline;text-underline-offset:3px}
.flinks{display:flex!important;justify-content:center;flex-wrap:wrap;gap:12px 44px;position:static!important;background:none!important;border:0!important;flex-direction:row!important;margin-top:6px}
.flinks a{color:#e6e8ee!important;text-decoration:none;margin:0;padding:0;border:0!important;text-transform:none;letter-spacing:.02em;font-size:15px}.flinks a:hover{color:#5b8cff!important}
/* sub pages */
.page{padding:60px 0 80px}.page h1{font-size:clamp(30px,5vw,44px);font-weight:300;color:#fff;margin-bottom:6px}
.page h2{font-size:22px;margin:34px 0 8px}.page h2:after{width:36px}.page p,.page li{color:#c9cfdb;margin-bottom:10px}.page ul{padding-left:22px}
.page a{color:#8fb3ff}.samplenote{display:inline-block;background:#1a1f2e;border:1px solid #f0b429;color:#f5c75a;padding:6px 12px;font-size:13px;margin:8px 0 18px;border-radius:4px}
.smap ul{list-style:none;padding:0}.smap li{padding:6px 0;border-bottom:1px solid #1c2233}.smap ul ul{padding-left:22px}.smap ul ul li{border:0;padding:4px 0}
/* main nav v2 */
nav#menu a{margin-left:22px;font-size:13px;letter-spacing:.07em;white-space:nowrap}
nav#menu a.active{color:#2f6bff}
@media(max-width:1100px){nav#menu a{margin-left:16px;font-size:12px}}
@media(max-width:900px){nav#menu{padding:6px 0 10px}nav#menu a{margin:0;padding:14px 22px;font-size:15px;letter-spacing:.06em}}
.consent{display:flex;gap:10px;align-items:flex-start;font-size:13px;color:#c9cfdb;line-height:1.5}.consent input{width:18px;height:18px;margin-top:2px;flex:0 0 18px;accent-color:#2f6bff}
section[id]{scroll-margin-top:100px}
/* ===== contrast pass ===== */
.page h2{text-transform:uppercase;font-weight:700;letter-spacing:.06em;font-size:19px}
body{color:#eef1f6}
.lead,.page p,.page li,.feat p,.fbar,.consent{color:#e8ecf3}
.note,.meta,.fine,cite,.info b,.ftr p{color:#c8cfdb}
nav a,nav#menu a{color:#f2f4f8}
input,select,textarea{border-color:#56607a;color:#fff}
input::placeholder,textarea::placeholder{color:#b4bccb;opacity:1}
.info li,.hdr,.fbar,.smap li{border-color:#33405c!important}
.car,.feat,blockquote{border-color:#3a4560}
.mbox,.mcell{border-color:#4a5677}
.ftr a,.info a,.page a,.smap a{color:#7aa2ff!important}
.fbar .ul,.flinks a{color:#ffffff!important}
.eyebrow{color:#7aa2ff}
.gold,.tag{background:#2a5ff0}.gold:hover{background:#1f4fd6}
nav#menu a.active{color:#6f97ff}
.lang{border-color:#c8cfdb;color:#fff}
.samplenote{color:#ffd27a}
.feat{border-top-color:#2f6bff}blockquote{border-left-color:#2f6bff}
/* ===== banking-app palette (v6) ===== */
:root{--navy:#0f1630;--navy2:#121a33;--card:#1a2240;--cbd:#2c3864;--grad:linear-gradient(90deg,#0a3d91,#1452c4);--pill:#8fb4ff;--teal:#4fd1b0;--sub:#c3cde3}
body{background:var(--navy);color:#eef2fa}
.hdr{background:var(--navy)!important;border-bottom:1px solid #26305a!important}
.sec{background:var(--navy)}.alt{background:var(--navy2)}
.hero{background:radial-gradient(ellipse 60% 70% at 80% 30%,rgba(20,82,196,.35),transparent 70%),linear-gradient(#0c1228,#141d3a)!important}
.sky path{fill:#18224a}
h2,h1,.car h3,.feat h3,.pr b{color:#fff}
.note,.meta,.fine,cite,.info b,.ftr p,.feat p,.lead,.page p,.page li{color:var(--sub)}
/* cards */
.car,.feat,blockquote,.card,.map,.mbox{background:var(--card)!important;border:1px solid var(--cbd)!important;border-radius:14px;overflow:hidden}
.car .ph{background:linear-gradient(#222c52,#1a2240)}.car .ph svg path{fill:#53608c}.car .ph svg circle{fill:#2c3864}
.car .bd{padding:0 0 18px}.car .bd h3{background:var(--grad);padding:14px 20px;font-size:17px;margin:0 0 10px}
.car .bd .meta,.car .bd .pr{padding:0 20px}
.feat{padding:0!important;border-top:1px solid var(--cbd)!important}.feat span{margin:20px 22px 0;background:rgba(79,209,176,.14);color:var(--teal)}
.feat h3{margin:12px 22px 6px}.feat p{margin:0 22px 22px}
.feat:before,blockquote:before{content:"";display:block;height:6px;background:var(--grad)}
blockquote{padding:0!important;border-left:1px solid var(--cbd)!important}blockquote:before{height:6px;margin-bottom:22px}
blockquote{color:#eef2fa}blockquote cite{padding:0 24px 24px}blockquote{text-indent:0}
blockquote > *:not(cite){padding:0 24px}
.card{padding:0 22px 22px!important;gap:12px}
.cardbar{background:var(--grad);color:#fff;font-weight:600;font-size:16px;margin:0 -22px 8px;padding:14px 22px}
/* inputs */
input,select,textarea{background:#121a36!important;border:1px solid #3a4775!important;border-radius:10px;color:#fff!important}
input::placeholder,textarea::placeholder{color:#b3bfdc!important}
input:focus,select:focus,textarea:focus{outline:2px solid var(--pill);border-color:transparent!important}
select option{background:#121a36}
/* buttons */
.btn{border-radius:999px}
.gold,.tag{background:#2a5ff0!important;border-color:#2a5ff0!important;color:#fff!important}.gold:hover{background:#1f4fd6!important}
.tag{border-radius:999px;padding:3px 10px}
.ghost{background:#16204a!important;color:var(--pill)!important;border:1px solid #3a4c8a!important}.ghost:hover{background:#1f2c62!important;color:#fff!important}
.lang{background:#16204a;color:var(--pill)!important;border:1px solid #3a4c8a!important;border-radius:999px;padding:6px 14px}
/* accents */
.eyebrow{color:var(--pill)}nav#menu a{color:#eef2fa}nav#menu a.active{color:var(--pill)}nav#menu a:hover{color:#fff}
h2:after{background:var(--grad);height:3px;border-radius:2px}
.ok,.fine{color:var(--teal)!important}.consent input{accent-color:var(--teal)}
.info li{border-color:#26305a!important}
.ftr a,.info a,.page a,.smap a{color:var(--pill)!important}
.ftr{background:var(--navy)!important;border-top:3px solid #1452c4!important}.fbar{background:#0b1126!important;border-top:1px solid #26305a!important}
.samplenote{background:rgba(79,209,176,.1);border-color:var(--teal);color:var(--teal);border-radius:999px;padding:6px 14px}
.smap li{border-color:#26305a!important}
@media(max-width:900px){nav#menu{background:var(--navy)!important;border-color:#26305a!important}nav#menu a{border-color:#26305a!important}}
.map{min-height:420px}.map iframe{border-radius:14px}
.bt i{color:#5b8cff}
blockquote{padding:0 24px 24px!important}blockquote:before{margin:0 -24px 22px}blockquote cite{padding:0}
.ftr img{mix-blend-mode:lighten}
#about .wrap.narrow{max-width:1100px;text-align:left}
#about h2:after{margin-left:0}
.about{display:grid;grid-template-columns:1.5fr 1fr;gap:36px;align-items:start}
.story p{color:#e8ecf3;line-height:1.75;margin:0 0 16px}
.dinfo{padding:0 22px 10px!important}.dinfo ul{list-style:none;margin:0;padding:0}
.dinfo li{display:flex;gap:14px;padding:14px 0;border-bottom:1px solid #2c3864;align-items:flex-start;color:#eef2fa}.dinfo li:last-child{border:0}
.dinfo svg{flex:0 0 36px;width:36px;height:36px;padding:8px;border-radius:50%;background:rgba(143,180,255,.14);fill:#8fb4ff;box-sizing:border-box}
.dinfo b{display:block;font-size:12px;letter-spacing:.08em;text-transform:uppercase;color:#c3cde3;margin-bottom:2px}
.dinfo a{color:#8fb4ff;white-space:nowrap}
@media(max-width:860px){.about{grid-template-columns:1fr}}
.ferr{color:#ffb4b4;margin-top:8px}