/* =========================================================================
   ClickCapital New Zealand — Design System
   Brand: primary green #38BF94 · ink #0C1A1B · mint tints · blue/magenta pops
   Fonts: Plus Jakarta Sans (display) · Inter (text)
   ========================================================================= */

:root{
  /* brand */
  --green:#38BF94; --green-2:#27A87D; --green-3:#178A64; --green-ink:#0E5E45;
  --green-soft:#EAFBF3; --green-soft-2:#D6F6E7; --green-glow:rgba(56,191,148,.35);
  --ink:#0B1A1A; --ink-2:#0F2422; --ink-3:#15302C;
  --text:#13302B; --muted:#5C726E; --muted-2:#7E928E;
  --blue:#0B9BE5; --magenta:#F72585; --amber:#FFB020; --gold:#FFC83D;
  --bg:#F5FAF8; --bg-2:#EEF6F2; --card:#FFFFFF; --line:#E4EFEA; --line-2:#D7E7E0;
  /* type */
  --display:"Plus Jakarta Sans",-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;
  --sans:"Inter",-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,sans-serif;
  /* radius + shadow */
  --r-xs:10px; --r-sm:14px; --r:18px; --r-lg:24px; --r-xl:32px; --r-pill:999px;
  --sh-sm:0 1px 2px rgba(11,26,26,.06),0 1px 3px rgba(11,26,26,.05);
  --sh:0 6px 18px -6px rgba(11,26,26,.12),0 12px 32px -12px rgba(11,26,26,.10);
  --sh-lg:0 18px 50px -12px rgba(11,26,26,.22),0 8px 20px -10px rgba(16,60,55,.18);
  --sh-green:0 14px 36px -10px rgba(39,168,125,.50);
  --container:1200px;
}

*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{
  margin:0;font-family:var(--sans);color:var(--text);background:var(--bg);
  font-size:17px;line-height:1.62;-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility;
  overflow-x:hidden;
}
img{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
button{font-family:inherit}
::selection{background:var(--green);color:#04261B}

/* ---------- layout ---------- */
.container{width:100%;max-width:var(--container);margin:0 auto;padding:0 24px}
.section{padding:96px 0}
.section--tight{padding:64px 0}
.center{text-align:center}
.maxw-680{max-width:680px;margin-left:auto;margin-right:auto}
.maxw-760{max-width:760px;margin-left:auto;margin-right:auto}

/* ---------- type ---------- */
h1,h2,h3,h4{font-family:var(--display);font-weight:800;line-height:1.08;letter-spacing:-.02em;color:var(--ink);margin:0}
h1{font-size:clamp(2.5rem,5.4vw,4.1rem)}
h2{font-size:clamp(2rem,3.8vw,3rem);letter-spacing:-.025em}
h3{font-size:1.32rem;letter-spacing:-.01em;font-weight:700}
p{margin:0 0 1rem}
.lead{font-size:clamp(1.06rem,1.5vw,1.24rem);color:var(--muted);line-height:1.6}
.eyebrow{display:inline-flex;align-items:center;gap:8px;font-family:var(--sans);font-weight:700;
  font-size:.78rem;letter-spacing:.14em;text-transform:uppercase;color:var(--green-3)}
.eyebrow::before{content:"";width:22px;height:2px;border-radius:2px;background:var(--green)}
.eyebrow--center::after{content:"";width:22px;height:2px;border-radius:2px;background:var(--green)}
.eyebrow--center{justify-content:center}
.grad-text{background:linear-gradient(100deg,var(--green-2),var(--green) 60%,#46d3a6);-webkit-background-clip:text;background-clip:text;color:transparent}
.section-head{margin-bottom:54px}
.section-head .lead{margin-top:16px}

/* ---------- buttons ---------- */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;cursor:pointer;
  font-family:var(--display);font-weight:700;font-size:1rem;line-height:1;border:0;border-radius:var(--r-pill);
  padding:16px 26px;transition:transform .18s cubic-bezier(.2,.7,.2,1),box-shadow .18s,background .18s,color .18s;
  position:relative;white-space:nowrap}
.btn svg{width:18px;height:18px}
.btn-primary{background:linear-gradient(135deg,var(--green) 0%,var(--green-2) 100%);color:#03291D;box-shadow:var(--sh-green)}
.btn-primary:hover{transform:translateY(-2px);box-shadow:0 20px 44px -10px rgba(39,168,125,.62)}
.btn-primary::after{content:"";position:absolute;inset:0;border-radius:inherit;background:linear-gradient(120deg,transparent 30%,rgba(255,255,255,.45) 50%,transparent 70%);transform:translateX(-120%);transition:transform .6s}
.btn-primary:hover::after{transform:translateX(120%)}
.btn-dark{background:var(--ink);color:#fff}
.btn-dark:hover{transform:translateY(-2px);box-shadow:var(--sh-lg)}
.btn-ghost{background:#fff;color:var(--ink);box-shadow:inset 0 0 0 1.6px var(--line-2)}
.btn-ghost:hover{box-shadow:inset 0 0 0 1.6px var(--green);color:var(--green-3);transform:translateY(-2px)}
.btn-light{background:rgba(255,255,255,.12);color:#fff;backdrop-filter:blur(6px);box-shadow:inset 0 0 0 1.4px rgba(255,255,255,.25)}
.btn-light:hover{background:rgba(255,255,255,.2)}
.btn-lg{padding:19px 34px;font-size:1.08rem}
.btn-block{width:100%}
.btn-link{display:inline-flex;align-items:center;gap:7px;font-weight:700;color:var(--green-3);font-family:var(--display)}
.btn-link svg{transition:transform .2s}.btn-link:hover svg{transform:translateX(4px)}

/* ---------- pills / chips / badges ---------- */
.pill{display:inline-flex;align-items:center;gap:8px;padding:8px 15px;border-radius:var(--r-pill);
  background:#fff;box-shadow:var(--sh-sm);font-size:.86rem;font-weight:600;color:var(--ink)}
.pill .dot{width:8px;height:8px;border-radius:50%;background:var(--green)}
.badge-offer{display:inline-flex;align-items:center;gap:9px;padding:9px 16px;border-radius:var(--r-pill);
  background:linear-gradient(135deg,#fff0f6,#ffe3ef);color:#c01764;font-weight:700;font-size:.84rem;
  box-shadow:inset 0 0 0 1px rgba(247,37,133,.18)}
.stars{color:var(--gold);letter-spacing:1px;font-size:.95rem}

/* ---------- header / nav ---------- */
.site-header{position:sticky;top:0;z-index:60;transition:background .3s,box-shadow .3s,backdrop-filter .3s}
.site-header.scrolled{background:rgba(255,255,255,.82);backdrop-filter:saturate(160%) blur(14px);box-shadow:0 1px 0 var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;height:80px}
.brand{display:flex;align-items:center;gap:11px}
.brand img{height:34px;width:auto}
.nav-links{display:flex;align-items:center;gap:34px;list-style:none;margin:0;padding:0}
.nav-links a{font-weight:600;font-size:.97rem;color:var(--ink);opacity:.82;transition:opacity .2s,color .2s;position:relative}
.nav-links a:hover{opacity:1;color:var(--green-3)}
.nav-cta{display:flex;align-items:center;gap:14px}
.nav-phone{display:flex;align-items:center;gap:8px;font-weight:700;color:var(--ink);font-family:var(--display)}
.nav-toggle{display:none;background:none;border:0;cursor:pointer;width:44px;height:44px;border-radius:12px}
.nav-toggle span{display:block;width:22px;height:2px;background:var(--ink);margin:5px auto;border-radius:2px;transition:.25s}

/* ---------- hero ---------- */
.hero{position:relative;padding:54px 0 90px;overflow:hidden}
.hero-bg{position:absolute;inset:0;z-index:-1;background:
  radial-gradient(1100px 560px at 78% -8%,rgba(56,191,148,.20),transparent 60%),
  radial-gradient(760px 520px at 6% 8%,rgba(11,155,229,.10),transparent 60%),
  linear-gradient(180deg,#F1FBF6 0%,var(--bg) 60%)}
.blob{position:absolute;border-radius:50%;filter:blur(46px);opacity:.5;z-index:-1}
.hero-grid{display:grid;grid-template-columns:1.04fr .96fr;gap:54px;align-items:center}
.hero h1{margin-bottom:20px}
.hero .lead{max-width:520px;margin-bottom:30px}
.hero-cta{display:flex;gap:14px;flex-wrap:wrap;align-items:center}
.hero-assure{display:flex;gap:22px;flex-wrap:wrap;margin-top:26px}
.hero-assure span{display:inline-flex;align-items:center;gap:8px;font-size:.92rem;color:var(--muted);font-weight:600}
.hero-assure svg{width:18px;height:18px;color:var(--green-2);flex:none}

/* hero visual collage */
.hero-visual{position:relative}
.hero-photo{position:relative;border-radius:var(--r-xl);overflow:hidden;box-shadow:var(--sh-lg);aspect-ratio:4/3.05}
.hero-photo img{width:100%;height:100%;object-fit:cover}
.hero-photo::after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,transparent 55%,rgba(8,40,33,.34))}
.float-card{position:absolute;background:rgba(255,255,255,.94);backdrop-filter:blur(8px);
  border-radius:var(--r);box-shadow:var(--sh-lg);padding:14px 16px;animation:floaty 6s ease-in-out infinite}
.float-card .fc-row{display:flex;align-items:center;gap:11px}
.fc-ic{width:42px;height:42px;border-radius:12px;display:grid;place-items:center;flex:none}
.fc-title{font-family:var(--display);font-weight:800;color:var(--ink);font-size:1.02rem;line-height:1}
.fc-sub{font-size:.78rem;color:var(--muted);margin-top:3px}
.fc-amount{top:-22px;left:-26px;animation-delay:-1s}
.fc-approved{bottom:34px;left:-40px;animation-delay:-3s}
.fc-match{right:-22px;bottom:-20px;animation-delay:-2s;padding:16px}
.fc-lenders{display:flex;margin-top:10px}
.fc-lenders i{width:30px;height:30px;border-radius:50%;border:2.5px solid #fff;margin-left:-9px;display:grid;place-items:center;font-style:normal;font-weight:800;font-size:.72rem;color:#fff}
.fc-lenders i:first-child{margin-left:0}
@keyframes floaty{0%,100%{transform:translateY(0)}50%{transform:translateY(-12px)}}

/* trust logo strip */
.trustbar{padding:30px 0 6px}
.trustbar .tb-label{text-align:center;font-size:.8rem;letter-spacing:.12em;text-transform:uppercase;color:var(--muted-2);font-weight:700;margin-bottom:18px}
.tb-logos{display:flex;flex-wrap:wrap;gap:14px 30px;justify-content:center;align-items:center}
.tb-chip{display:inline-flex;align-items:center;gap:9px;font-weight:800;font-family:var(--display);color:#46615c;opacity:.9;font-size:1.04rem}
.tb-chip svg,.tb-chip .lg{height:26px}

/* ---------- stat band ---------- */
.statband{background:
  radial-gradient(900px 380px at 88% -40%,rgba(56,191,148,.22),transparent 60%),
  linear-gradient(135deg,var(--ink) 0%,#0c2622 100%);
  color:#eafff6;border-radius:var(--r-xl);padding:54px 40px;position:relative;overflow:hidden}
.statband::before{content:"";position:absolute;inset:0;background-image:radial-gradient(rgba(255,255,255,.05) 1px,transparent 1px);background-size:22px 22px;opacity:.5}
.stat-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:26px;position:relative}
.stat .num{font-family:var(--display);font-weight:800;font-size:clamp(2rem,3.6vw,2.9rem);line-height:1;letter-spacing:-.02em;
  background:linear-gradient(120deg,#fff,#9af0cf);-webkit-background-clip:text;background-clip:text;color:transparent}
.stat .lbl{margin-top:9px;font-size:.92rem;color:#a9cfc4;font-weight:600;letter-spacing:.02em}
.stat-divider{width:1px;background:linear-gradient(180deg,transparent,rgba(255,255,255,.16),transparent)}

/* ---------- products ---------- */
.prod-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:22px}
.prod{position:relative;background:var(--card);border-radius:var(--r-lg);padding:30px;box-shadow:var(--sh-sm);
  border:1px solid var(--line);overflow:hidden;transition:transform .25s,box-shadow .25s,border-color .25s}
.prod::before{content:"";position:absolute;left:0;top:0;height:100%;width:5px;background:linear-gradient(180deg,var(--green),var(--green-2));opacity:0;transition:opacity .25s}
.prod:hover{transform:translateY(-6px);box-shadow:var(--sh-lg);border-color:transparent}
.prod:hover::before{opacity:1}
.prod-top{display:flex;align-items:center;justify-content:space-between;margin-bottom:18px}
.prod-ic{width:60px;height:60px;border-radius:16px;display:grid;place-items:center;
  background:linear-gradient(135deg,var(--green-soft),#fff);box-shadow:inset 0 0 0 1px var(--line)}
.prod-ic svg{width:30px;height:30px;color:var(--green-3)}
.prod-range{font-family:var(--display);font-weight:800;color:var(--green-3);font-size:1.04rem;
  background:var(--green-soft);padding:6px 12px;border-radius:var(--r-pill)}
.prod h3{margin-bottom:8px}
.prod p{color:var(--muted);font-size:.96rem;margin-bottom:16px}
.prod ul{list-style:none;margin:0 0 4px;padding:0;display:grid;gap:9px}
.prod ul li{display:flex;gap:10px;font-size:.92rem;color:var(--text)}
.prod ul li svg{width:18px;height:18px;color:var(--green-2);flex:none;margin-top:2px}

/* ---------- how it works ---------- */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;position:relative}
.step{background:#fff;border-radius:var(--r-lg);padding:32px 28px;box-shadow:var(--sh-sm);border:1px solid var(--line);position:relative;z-index:1}
.step-n{width:46px;height:46px;border-radius:50%;display:grid;place-items:center;font-family:var(--display);font-weight:800;color:#fff;
  background:linear-gradient(135deg,var(--green),var(--green-2));box-shadow:var(--sh-green);margin-bottom:18px}
.step h3{margin-bottom:8px}
.step p{color:var(--muted);font-size:.96rem;margin:0}
.step-ill{margin-top:18px;height:96px}
.steps-line{position:absolute;top:54px;left:16%;right:16%;height:2px;background:repeating-linear-gradient(90deg,var(--green-2) 0 8px,transparent 8px 16px);opacity:.5;z-index:0}

/* ---------- feature / why ---------- */
.feat-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.feat{background:#fff;border-radius:var(--r-lg);padding:28px;border:1px solid var(--line);box-shadow:var(--sh-sm);transition:transform .25s,box-shadow .25s}
.feat:hover{transform:translateY(-5px);box-shadow:var(--sh)}
.feat-ic{width:54px;height:54px;border-radius:15px;display:grid;place-items:center;margin-bottom:16px;
  background:linear-gradient(135deg,var(--green-soft-2),var(--green-soft));}
.feat-ic svg{width:27px;height:27px;color:var(--green-3)}
.feat h3{font-size:1.16rem;margin-bottom:7px}
.feat p{color:var(--muted);font-size:.95rem;margin:0}

/* ---------- split showcase (NZBN search) ---------- */
.split{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.split-list{list-style:none;margin:22px 0 28px;padding:0;display:grid;gap:16px}
.split-list li{display:flex;gap:13px}
.split-list .si{width:34px;height:34px;border-radius:10px;background:var(--green-soft);display:grid;place-items:center;flex:none}
.split-list .si svg{width:18px;height:18px;color:var(--green-3)}
.split-list b{font-family:var(--display);color:var(--ink)}
.split-list span{display:block;color:var(--muted);font-size:.93rem}

/* mock search card */
.mock{background:#fff;border-radius:var(--r-xl);box-shadow:var(--sh-lg);padding:22px;position:relative;border:1px solid var(--line)}
.mock-bar{display:flex;gap:6px;margin-bottom:16px}
.mock-bar i{width:11px;height:11px;border-radius:50%;background:#e4ebe8;display:block}
.mock-search{display:flex;align-items:center;gap:10px;background:var(--bg);border:1.6px solid var(--green);border-radius:var(--r-sm);padding:13px 15px;box-shadow:0 0 0 4px var(--green-glow)}
.mock-search svg{width:20px;height:20px;color:var(--green-3);flex:none}
.mock-search .q{font-weight:600;color:var(--ink)}
.mock-search .cursor{width:2px;height:18px;background:var(--green-2);animation:blink 1.1s steps(1) infinite;margin-left:-2px}
@keyframes blink{50%{opacity:0}}
.mock-results{margin-top:12px;display:grid;gap:8px}
.mock-row{display:flex;align-items:center;gap:12px;padding:12px;border-radius:12px;border:1px solid var(--line);background:#fff;transition:.2s}
.mock-row:first-child{border-color:var(--green);background:var(--green-soft)}
.mock-row .mr-ic{width:38px;height:38px;border-radius:10px;background:#ECF6F2;display:grid;place-items:center;flex:none;font-family:var(--display);font-weight:800;color:var(--green-3)}
.mock-row .mr-name{font-weight:700;color:var(--ink);font-size:.95rem}
.mock-row .mr-meta{font-size:.78rem;color:var(--muted)}
.mock-row .mr-tag{margin-left:auto;font-size:.72rem;font-weight:700;color:var(--green-3);background:#fff;padding:4px 9px;border-radius:var(--r-pill);box-shadow:var(--sh-sm)}

/* ---------- testimonials ---------- */
.tst-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.tst{background:#fff;border-radius:var(--r-lg);padding:28px;box-shadow:var(--sh-sm);border:1px solid var(--line);position:relative}
.tst .stars{margin-bottom:12px}
.tst p{color:var(--text);font-size:1rem;line-height:1.6;margin-bottom:18px}
.tst-who{display:flex;align-items:center;gap:12px}
.tst-av{width:48px;height:48px;border-radius:50%;object-fit:cover;background:linear-gradient(135deg,var(--green),var(--green-2));
  display:grid;place-items:center;color:#fff;font-family:var(--display);font-weight:800;flex:none;box-shadow:var(--sh-sm)}
.tst-name{font-family:var(--display);font-weight:700;color:var(--ink);font-size:.97rem;line-height:1.1}
.tst-role{font-size:.82rem;color:var(--muted)}
.quote-mark{position:absolute;top:20px;right:24px;font-family:Georgia,serif;font-size:3.4rem;color:var(--green-soft-2);line-height:1}

/* ---------- trust (dark) ---------- */
.dark{background:
  radial-gradient(800px 420px at 12% -20%,rgba(56,191,148,.16),transparent 60%),
  linear-gradient(150deg,var(--ink) 0%,#0b2420 100%);color:#dff3ec}
.dark h2{color:#fff}
.dark .lead{color:#a7ccc1}
.trust-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}
.trust-card{display:flex;gap:16px;padding:24px;border-radius:var(--r-lg);background:rgba(255,255,255,.045);border:1px solid rgba(255,255,255,.08)}
.trust-card .tc-ic{width:48px;height:48px;border-radius:13px;background:rgba(56,191,148,.16);display:grid;place-items:center;flex:none}
.trust-card .tc-ic svg{width:24px;height:24px;color:#5fe0b3}
.trust-card h3{color:#fff;font-size:1.08rem;margin-bottom:6px}
.trust-card p{color:#9fc4ba;font-size:.92rem;margin:0}

/* ---------- CTA band ---------- */
.cta-band{position:relative;border-radius:var(--r-xl);overflow:hidden;padding:64px 48px;color:#fff;
  background:linear-gradient(120deg,var(--green-3),var(--green-2) 60%,var(--green))}
.cta-band::after{content:"";position:absolute;inset:0;background-image:radial-gradient(rgba(255,255,255,.10) 1px,transparent 1px);background-size:20px 20px;opacity:.6}
.cta-band .inner{position:relative;display:flex;align-items:center;justify-content:space-between;gap:30px;flex-wrap:wrap}
.cta-band h2{color:#fff;max-width:640px}
.cta-band p{color:rgba(255,255,255,.92);max-width:560px;margin-top:10px}

/* ---------- FAQ ---------- */
.faq-wrap{max-width:820px;margin:0 auto}
.faq{background:#fff;border:1px solid var(--line);border-radius:var(--r);margin-bottom:12px;overflow:hidden;transition:box-shadow .2s,border-color .2s}
.faq[open]{box-shadow:var(--sh);border-color:var(--line-2)}
.faq summary{list-style:none;cursor:pointer;padding:20px 24px;display:flex;align-items:center;justify-content:space-between;gap:16px;
  font-family:var(--display);font-weight:700;color:var(--ink);font-size:1.04rem}
.faq summary::-webkit-details-marker{display:none}
.faq summary .pm{width:30px;height:30px;border-radius:9px;background:var(--green-soft);display:grid;place-items:center;flex:none;transition:.25s;color:var(--green-3)}
.faq[open] summary .pm{background:var(--green);color:#fff;transform:rotate(45deg)}
.faq .ans{padding:0 24px 22px;color:var(--muted);font-size:.97rem}

/* ---------- footer ---------- */
.footer{background:linear-gradient(180deg,#0a1817,#081413);color:#bcd6cd;padding:72px 0 30px}
.footer-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:36px;margin-bottom:44px}
.footer .brand img{height:32px}
.footer .f-about{color:#8fb3a9;font-size:.92rem;margin-top:16px;max-width:300px}
.footer h4{color:#fff;font-size:.82rem;letter-spacing:.12em;text-transform:uppercase;margin-bottom:16px;font-family:var(--sans);font-weight:700}
.footer ul{list-style:none;margin:0;padding:0;display:grid;gap:11px}
.footer ul a{color:#9fbeb4;font-size:.93rem;transition:color .2s}
.footer ul a:hover{color:var(--green)}
.f-social{display:flex;gap:10px;margin-top:18px}
.f-social a{width:40px;height:40px;border-radius:11px;background:rgba(255,255,255,.06);display:grid;place-items:center;transition:.2s}
.f-social a:hover{background:var(--green);transform:translateY(-3px)}
.f-social svg{width:18px;height:18px;color:#cfe7df}.f-social a:hover svg{color:#04261B}
.f-bottom{border-top:1px solid rgba(255,255,255,.08);padding-top:24px;display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;color:#7c9a90;font-size:.84rem}
.f-disc{color:#5f7a72;font-size:.76rem;line-height:1.6;margin-top:18px;max-width:100%}

/* ---------- reveal animation ---------- */
.reveal{opacity:0;transform:translateY(26px);transition:opacity .7s cubic-bezier(.2,.7,.2,1),transform .7s cubic-bezier(.2,.7,.2,1)}
.reveal.in{opacity:1;transform:none}
.reveal[data-d="1"]{transition-delay:.08s}.reveal[data-d="2"]{transition-delay:.16s}
.reveal[data-d="3"]{transition-delay:.24s}.reveal[data-d="4"]{transition-delay:.32s}
@media (prefers-reduced-motion:reduce){.reveal{opacity:1;transform:none;transition:none}.float-card{animation:none}}

/* ---------- responsive ---------- */
@media (max-width:980px){
  .hero-grid{grid-template-columns:1fr;gap:60px}
  .hero-visual{max-width:520px;margin:0 auto;width:100%}
  .split{grid-template-columns:1fr;gap:36px}
  .prod-grid{grid-template-columns:1fr}
  .feat-grid,.tst-grid,.steps{grid-template-columns:1fr}
  .steps-line{display:none}
  .stat-grid{grid-template-columns:repeat(2,1fr);gap:30px 20px}
  .stat-divider{display:none}
  .trust-grid{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr 1fr;gap:30px}
  .nav-links,.nav-phone{display:none}
  .nav-toggle{display:block}
  .section{padding:72px 0}
}
@media (max-width:560px){
  body{font-size:16px}
  .container{padding:0 18px}
  .statband,.cta-band{padding:40px 24px}
  .footer-grid{grid-template-columns:1fr}
  .cta-band .inner{flex-direction:column;align-items:flex-start}
  .hero-cta{width:100%}.hero-cta .btn{flex:1}
  .float-card{transform:scale(.86)}
  .fc-amount{left:-8px}.fc-approved{left:-10px}.fc-match{right:-6px}
}

/* mobile menu */
.mobile-menu{position:fixed;inset:0;z-index:90;background:rgba(255,255,255,.98);backdrop-filter:blur(8px);
  display:flex;flex-direction:column;padding:90px 28px 28px;gap:6px;transform:translateY(-12px);opacity:0;pointer-events:none;transition:.28s}
.mobile-menu.open{opacity:1;transform:none;pointer-events:auto}
.mobile-menu a{padding:16px 8px;font-family:var(--display);font-weight:700;font-size:1.3rem;color:var(--ink);border-bottom:1px solid var(--line)}
.mobile-menu .btn{margin-top:18px}
.mm-close{position:absolute;top:24px;right:22px;width:44px;height:44px;border-radius:12px;border:0;background:var(--bg);font-size:1.4rem;cursor:pointer}