:root{
  --navy:#002147;--navy2:#0b2f5f;--navy3:#061833;--gold:#f0bd45;--gold2:#8a6a0a;--goldsoft:#fff6dc;
  --ink:#14233a;--muted:#5b6b7c;--bg:#ffffff;--alt:#f4f7fc;--card:#ffffff;--line:#e1e8f1;--ice:#d6e3ff;
  --radius:20px;--shadow:0 18px 50px rgba(0,33,71,.12);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font:16px/1.65 Inter,system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;color:var(--ink);background:var(--bg);-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
a{color:#1d5fd1}
.wrap{max-width:1160px;margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px;top:8px;background:var(--gold);color:var(--navy);padding:8px 14px;border-radius:8px;z-index:100}
.skip:focus{left:8px}
:focus-visible{outline:3px solid var(--gold);outline-offset:3px;border-radius:6px}

/* AI in gold, everywhere */
.ai{color:var(--gold2);font-weight:inherit}
.on-dark .ai,.hero .ai,.dark .ai,footer .ai{color:var(--gold)}

/* header */
.site-header{position:sticky;top:0;z-index:50;background:rgba(0,33,71,.96);backdrop-filter:blur(8px);border-bottom:1px solid rgba(255,255,255,.08)}
.bar{display:flex;align-items:center;justify-content:space-between;gap:16px;padding:12px 0}
.brand{display:flex;align-items:center;gap:10px;color:#fff;text-decoration:none;font-weight:800;font-size:19px;letter-spacing:-.01em}
.brand img{width:36px;height:36px;border-radius:10px}
.brand .ai{color:var(--gold)}
.nav{display:flex;align-items:center;gap:6px}
.nav a{color:var(--ice);text-decoration:none;padding:8px 12px;border-radius:10px;font-size:15px;font-weight:500}
.nav a:hover{color:#fff;background:rgba(255,255,255,.08)}
.nav .cta{background:var(--gold);color:var(--navy);font-weight:700;margin-left:6px}
.nav .cta:hover{background:#ffd06b;color:var(--navy)}
.menu-btn{display:none;background:none;border:1px solid rgba(255,255,255,.25);color:#fff;border-radius:10px;padding:8px 12px;font:inherit;cursor:pointer}
@media(max-width:820px){
  .menu-btn{display:block}
  .nav{display:none;position:absolute;left:0;right:0;top:100%;background:var(--navy);flex-direction:column;align-items:stretch;padding:10px 20px 18px;border-bottom:1px solid rgba(255,255,255,.1)}
  .nav.open{display:flex}
  .nav a{padding:12px}
  .nav .cta{margin:6px 0 0;text-align:center}
}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--gold);color:var(--navy);font-weight:800;padding:14px 24px;border-radius:14px;text-decoration:none;border:0;font-size:16px;cursor:pointer;transition:transform .15s,box-shadow .15s,background .15s}
.btn:hover{background:#ffd06b;transform:translateY(-2px);box-shadow:0 10px 24px rgba(240,189,69,.35)}
.btn.ghost{background:transparent;color:#fff;border:1.5px solid rgba(255,255,255,.4)}
.btn.ghost:hover{background:rgba(255,255,255,.1);box-shadow:none}
.btn.navy{background:var(--navy);color:#fff}
.btn.navy:hover{background:var(--navy2);box-shadow:0 10px 24px rgba(0,33,71,.25)}

/* hero */
.hero{position:relative;overflow:hidden;background:radial-gradient(1200px 600px at 85% -10%,#15417f 0%,transparent 60%),linear-gradient(160deg,var(--navy) 0%,var(--navy3) 100%);color:#fff;padding:72px 0 0}
.hero:before{content:"";position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,.04) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.04) 1px,transparent 1px);background-size:44px 44px;mask-image:linear-gradient(180deg,#000 0%,transparent 85%);pointer-events:none}
.hero-grid{position:relative;display:grid;grid-template-columns:1.05fr .95fr;gap:40px;align-items:center}
.eyebrow{display:inline-flex;align-items:center;gap:8px;background:rgba(240,189,69,.14);color:var(--gold);border:1px solid rgba(240,189,69,.35);padding:6px 14px;border-radius:999px;font-size:13px;font-weight:700;letter-spacing:.04em;text-transform:uppercase}
.hero h1{font-size:clamp(36px,5.4vw,60px);line-height:1.06;letter-spacing:-.03em;margin:18px 0 18px;font-weight:800}
.hero h1 em{font-style:normal;color:var(--gold)}
.lead{font-size:clamp(17px,2vw,20px);color:var(--ice);max-width:560px;margin:0 0 28px}
.cta-row{display:flex;flex-wrap:wrap;gap:12px;align-items:center}
.store{display:inline-flex;align-items:center;gap:12px;background:#000;color:#fff;border:1px solid rgba(255,255,255,.3);border-radius:14px;padding:8px 18px 8px 14px;text-decoration:none}
.store svg{width:28px;height:28px}
.store small{display:block;font-size:10px;letter-spacing:.08em;text-transform:uppercase;opacity:.8;line-height:1.1}
.store strong{display:block;font-size:18px;line-height:1.1}
.hero-note{margin-top:16px;font-size:14px;color:#9fb4d6}
.trust{display:flex;flex-wrap:wrap;gap:10px 22px;margin-top:28px;padding:0;list-style:none;color:var(--ice);font-size:14px}
.trust li{display:flex;align-items:center;gap:8px}
.trust svg{width:18px;height:18px;color:var(--gold);flex:none}
.hero-art{position:relative;display:flex;justify-content:center;align-items:flex-end;min-height:560px}
.glow{position:absolute;width:420px;height:420px;border-radius:50%;background:radial-gradient(circle,rgba(240,189,69,.35),transparent 65%);top:40px;right:20px;filter:blur(10px)}

/* phone mockup */
.phone{position:relative;width:290px;background:#0a0f1a;border-radius:40px;padding:10px;box-shadow:0 40px 80px rgba(0,0,0,.45),0 0 0 2px #26324a inset;flex:none}
.phone:before{content:"";position:absolute;top:18px;left:50%;transform:translateX(-50%);width:84px;height:22px;background:#0a0f1a;border-radius:0 0 14px 14px;z-index:3}
.screen{background:#f3f6fb;border-radius:32px;overflow:hidden;height:560px;position:relative;color:var(--ink);font-size:12px;line-height:1.4}
.screen.dark{background:#071427;color:#e8eef6}
.status{display:flex;justify-content:space-between;padding:14px 20px 4px;font-size:11px;font-weight:700}
.app-top{display:flex;align-items:center;justify-content:space-between;padding:6px 16px 10px}
.app-top b{font-size:15px;letter-spacing:-.01em}
.app-top .mini{width:34px;height:34px;border-radius:12px;background:var(--navy);border:1.5px solid var(--gold);display:grid;place-items:center}
.app-top .mini svg{width:26px;height:26px}
.card-navy{margin:0 14px 10px;border-radius:20px;padding:16px;color:#fff;background:linear-gradient(150deg,#0b2f5f,#002147);border:1px solid rgba(240,189,69,.25)}
.card-navy .lbl{font-size:10px;letter-spacing:.1em;text-transform:uppercase;color:var(--gold);font-weight:700}
.card-navy .big{font-size:26px;font-weight:800;letter-spacing:-.02em;margin:2px 0}
.card-navy .sub{font-size:11px;color:#b8cdf0}
.up{color:#7fe0b0;font-weight:700}
.bars{display:flex;align-items:flex-end;gap:6px;height:54px;margin-top:12px}
.bars i{flex:1;background:rgba(255,255,255,.25);border-radius:4px 4px 0 0}
.bars i.on{background:var(--gold)}
.tiles{display:grid;grid-template-columns:repeat(3,1fr);gap:8px;margin:0 14px 10px}
.tile{background:#fff;border-radius:14px;padding:10px 4px;text-align:center;font-weight:600;font-size:10.5px;box-shadow:0 1px 3px rgba(0,33,71,.08)}
.tile svg{width:22px;height:22px;margin:0 auto 4px;display:block}
.insight{margin:0 14px 10px;background:#fff;border-radius:16px;padding:12px;display:flex;gap:10px;box-shadow:0 1px 3px rgba(0,33,71,.08)}
.spark{width:34px;height:34px;border-radius:50%;background:var(--gold);display:grid;place-items:center;flex:none}
.spark svg{width:18px;height:18px}
.insight b{display:block;font-size:12px}
.insight span{color:var(--muted);font-size:11px}
.tabbar{position:absolute;left:10px;right:10px;bottom:10px;background:#fff;border-radius:20px;display:flex;justify-content:space-around;padding:8px 4px;box-shadow:0 6px 20px rgba(0,33,71,.12)}
.tabbar span{font-size:9.5px;text-align:center;padding:6px 8px;border-radius:12px;color:#6b7a8c;font-weight:600}
.tabbar .sel{background:var(--navy);color:#fff}
.hero-art .phone.back{position:absolute;left:-10px;bottom:-40px;transform:rotate(-7deg) scale(.86);opacity:.95;z-index:1}
.hero-art .phone.front{position:relative;z-index:2;margin-right:-30px;margin-bottom:-60px}
@media(max-width:980px){
  .hero-grid{grid-template-columns:1fr}
  .hero-art{min-height:520px;margin-top:10px}
  .hero-art .phone.back{display:none}
  .hero-art .phone.front{margin:0 auto -60px}
}

/* chat mockup */
.chat{padding:8px 14px}
.msg{max-width:84%;padding:10px 12px;border-radius:16px;margin-bottom:10px;font-size:11.5px}
.msg.user{margin-left:auto;background:var(--gold);color:var(--navy);font-weight:600;border-bottom-right-radius:4px}
.msg.bot{background:#0f2a50;color:#e8eef6;border-bottom-left-radius:4px}
.msg.bot b{color:var(--gold)}
.composer{position:absolute;left:12px;right:12px;bottom:14px;background:#0f2a50;border-radius:22px;padding:10px 12px;display:flex;justify-content:space-between;color:#8da4c9;font-size:11.5px;align-items:center}
.composer i{width:28px;height:28px;border-radius:50%;background:var(--gold);display:block}

/* sections */
section{padding:88px 0}
.alt{background:var(--alt)}
.dark{background:linear-gradient(160deg,var(--navy) 0%,var(--navy3) 100%);color:#fff}
.kicker{color:var(--gold2);font-weight:800;font-size:13px;letter-spacing:.12em;text-transform:uppercase;margin:0 0 10px}
.dark .kicker{color:var(--gold)}
h2.title{font-size:clamp(28px,3.8vw,44px);line-height:1.12;letter-spacing:-.025em;margin:0 0 14px;color:var(--navy);font-weight:800}
.dark h2.title{color:#fff}
.sub{font-size:18px;color:var(--muted);max-width:660px;margin:0}
.dark .sub{color:var(--ice)}
.center{text-align:center}
.center .sub{margin:0 auto}

.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;margin-top:-1px}
.stat{padding:28px 8px;text-align:center}
.stat b{display:block;font-size:30px;letter-spacing:-.02em;color:var(--navy)}
.stat span{color:var(--muted);font-size:14px}
.strip{background:#fff;border-bottom:1px solid var(--line)}
@media(max-width:700px){.stats{grid-template-columns:repeat(2,1fr)}}

.problem{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin-top:40px}
.pcard{border-radius:var(--radius);padding:28px;border:1px solid var(--line);background:#fff}
.pcard.bad{background:#fff7f5;border-color:#f4d4cc}
.pcard.good{background:linear-gradient(160deg,var(--navy),var(--navy2));color:#fff;border:0;box-shadow:var(--shadow)}
.pcard h3{margin:0 0 14px;font-size:20px}
.pcard ul{margin:0;padding:0;list-style:none}
.pcard li{padding:8px 0 8px 30px;position:relative}
.pcard.bad li:before{content:"×";position:absolute;left:0;color:#c0392b;font-weight:800;font-size:20px;line-height:1.2}
.pcard.good li:before{content:"✓";position:absolute;left:0;color:var(--gold);font-weight:800}
@media(max-width:800px){.problem{grid-template-columns:1fr}}

.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:44px}
.feat{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px;transition:transform .2s,box-shadow .2s,border-color .2s}
.feat:hover{transform:translateY(-4px);box-shadow:var(--shadow);border-color:var(--gold)}
.ico{width:52px;height:52px;border-radius:16px;background:var(--alt);display:grid;place-items:center;margin-bottom:16px;position:relative}
.ico svg{width:28px;height:28px;color:var(--navy);position:relative;z-index:1}
.ico:after{content:"";position:absolute;inset:0;border-radius:16px;border:2px solid var(--gold);transform:translate(3px,3px);opacity:.8}
.feat h3{margin:0 0 6px;font-size:19px;color:var(--navy)}
.feat p{margin:0;color:var(--muted);font-size:15.5px}
@media(max-width:980px){.grid3{grid-template-columns:repeat(2,1fr)}}
@media(max-width:620px){.grid3{grid-template-columns:1fr}}

.split{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.split.rev .art{order:-1}
.art{display:flex;justify-content:center}
.checks{list-style:none;padding:0;margin:22px 0 28px}
.checks li{padding:8px 0 8px 34px;position:relative;font-size:17px}
.checks li:before{content:"";position:absolute;left:0;top:11px;width:22px;height:22px;border-radius:50%;background:var(--gold) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23002147' stroke-width='3.2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12.5l4.5 4.5L19 7.5'/%3E%3C/svg%3E") center/14px no-repeat}
.dark .checks li{color:#e8eef6}
@media(max-width:900px){.split{grid-template-columns:1fr;gap:36px}.split.rev .art{order:0}}

.robot-wrap{position:relative;display:grid;place-items:center;padding:20px}
.robot-wrap:before{content:"";position:absolute;width:320px;height:320px;border-radius:50%;background:radial-gradient(circle,rgba(240,189,69,.35),transparent 65%)}
.bubble{position:absolute;top:-6px;right:-40px;background:#fff;color:var(--navy);font-weight:700;padding:10px 16px;border-radius:4px 16px 16px 16px;box-shadow:0 10px 30px rgba(0,0,0,.25);font-size:15px}
.robot{width:260px;height:260px;position:relative;animation:float 5.2s ease-in-out infinite}
.eye{transform-origin:center;transform-box:fill-box;animation:blink 5.2s infinite}
@keyframes blink{0%,86%,100%{transform:scaleY(1)}90%,96%{transform:scaleY(.08)}}
@keyframes float{0%,100%{transform:translateY(0)}50%{transform:translateY(-8px)}}
@media(prefers-reduced-motion:reduce){.robot,.eye{animation:none}}

.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:44px;counter-reset:s}
.step{position:relative;padding:28px;background:#fff;border:1px solid var(--line);border-radius:var(--radius)}
.step:before{counter-increment:s;content:counter(s);display:grid;place-items:center;width:40px;height:40px;border-radius:50%;background:var(--navy);color:var(--gold);font-weight:800;margin-bottom:14px}
.step h3{margin:0 0 6px;color:var(--navy)}
.step p{margin:0;color:var(--muted)}
@media(max-width:800px){.steps{grid-template-columns:1fr}}

.roles{display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin-top:40px}
.role{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.14);border-radius:var(--radius);padding:26px}
.role h3{margin:0 0 8px;color:var(--gold)}
.role p{margin:0;color:var(--ice)}
@media(max-width:700px){.roles{grid-template-columns:1fr}}

.plans{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:44px;align-items:stretch}
.plan{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:30px;display:flex;flex-direction:column}
.plan.pop{border:2px solid var(--gold);box-shadow:var(--shadow);position:relative}
.plan .tag{position:absolute;top:-14px;left:24px;background:var(--gold);color:var(--navy);font-size:12px;font-weight:800;padding:4px 12px;border-radius:999px;letter-spacing:.05em;text-transform:uppercase}
.plan h3{margin:0;font-size:22px;color:var(--navy)}
.plan .for{color:var(--muted);margin:4px 0 16px;font-size:15px}
.plan ul{list-style:none;padding:0;margin:0 0 24px;flex:1}
.plan li{padding:6px 0 6px 26px;position:relative;font-size:15.5px}
.plan li:before{content:"✓";position:absolute;left:0;color:var(--gold2);font-weight:800}
@media(max-width:900px){.plans{grid-template-columns:1fr}}
.fine{color:var(--muted);font-size:14px;margin-top:22px}

.faq{max-width:820px;margin:40px auto 0}
details{background:#fff;border:1px solid var(--line);border-radius:16px;padding:0;margin-bottom:12px}
summary{cursor:pointer;padding:18px 22px;font-weight:700;color:var(--navy);list-style:none;display:flex;justify-content:space-between;gap:12px}
summary::-webkit-details-marker{display:none}
summary:after{content:"+";font-size:24px;line-height:1;color:var(--gold2)}
details[open] summary:after{content:"–"}
details p{margin:0;padding:0 22px 20px;color:var(--muted)}

.final{text-align:center;padding:96px 0;background:radial-gradient(900px 400px at 50% 0%,#15417f,transparent 70%),linear-gradient(160deg,var(--navy),var(--navy3));color:#fff}
.final h2{font-size:clamp(30px,4.4vw,52px);letter-spacing:-.03em;line-height:1.1;margin:0 0 16px}
.final p{color:var(--ice);font-size:19px;max-width:560px;margin:0 auto 30px}
.final .cta-row{justify-content:center}

footer.site-footer{background:var(--navy3);color:#9fb4d6;padding:48px 0 28px;font-size:14.5px}
.foot{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:32px}
.foot h4{color:#fff;margin:0 0 12px;font-size:15px}
.foot a{color:#9fb4d6;text-decoration:none;display:block;padding:4px 0}
.foot a:hover{color:var(--gold)}
.foot .brand{margin-bottom:12px}
.copy{border-top:1px solid rgba(255,255,255,.1);margin-top:32px;padding-top:20px;display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px;font-size:13px}
@media(max-width:700px){.foot{grid-template-columns:1fr}}

/* legal pages */
.legal{max-width:820px;margin:0 auto;padding:56px 20px 80px}
.legal h1{font-size:clamp(30px,4vw,42px);line-height:1.15;letter-spacing:-.025em;margin:0 0 8px;color:var(--navy)}
.legal h2{font-size:22px;margin:36px 0 8px;color:var(--navy)}
.legal .muted{color:var(--muted)}
.legal .card{background:var(--alt);border:1px solid var(--line);border-left:4px solid var(--gold);border-radius:16px;padding:20px 24px;margin:24px 0}
.legal li{margin:4px 0}

.reveal{opacity:0;transform:translateY(18px);transition:opacity .6s,transform .6s}
.reveal.in{opacity:1;transform:none}
@media(prefers-reduced-motion:reduce){.reveal{opacity:1;transform:none;transition:none}html{scroll-behavior:auto}.btn:hover,.feat:hover{transform:none}}
@media(min-width:821px){.legalnav{display:flex}}
@media(max-width:820px){.legalnav{display:flex;position:static;background:none;flex-direction:row;flex-wrap:wrap;padding:0;border:0}.legalnav a{padding:6px 8px;font-size:14px}.legalnav .cta{margin:0}}

.plans.four{grid-template-columns:repeat(4,1fr)}
@media(max-width:1060px){.plans.four{grid-template-columns:repeat(2,1fr)}}
@media(max-width:600px){.plans.four{grid-template-columns:1fr}}

html,body{overflow-x:clip}
@media(max-width:560px){.bubble{right:0;top:-10px}.robot{width:220px;height:220px}}

/* ===== Femish AI ecosystem ===== */
.t-money{--gold:#2fc08f;--gold2:#17946b;--goldsoft:#e3f6ee}
.t-smart{--gold:#f5922e;--gold2:#c9701a;--goldsoft:#fff0e0}
.t-money .btn,.t-smart .btn{color:#06223a}
.t-money .card-navy,.t-smart .card-navy{border-color:rgba(255,255,255,.18)}
.brand .fai{width:38px;height:38px;color:#d6e3ff;flex:none}
.brand .fai .dot{fill:var(--gold)}
.nav .dd{color:var(--ice)}
.nav a.on{color:#fff;background:rgba(255,255,255,.1)}
.eco-hero{padding:72px 0 80px}
.eco-hero .hero-grid{grid-template-columns:1.05fr .95fr}
.orbit{position:relative;width:min(520px,100%);aspect-ratio:1;margin:0 auto}
.orbit svg{width:100%;height:100%;overflow:visible}
.ring-spin{transform-origin:260px 260px;animation:spin 60s linear infinite}
.ring-spin.rev{animation-duration:90s;animation-direction:reverse}
@keyframes spin{to{transform:rotate(360deg)}}
@media(prefers-reduced-motion:reduce){.ring-spin{animation:none}}
.apps3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:44px}
.app-card{position:relative;border-radius:24px;padding:30px;color:#fff;display:flex;flex-direction:column;border:1px solid rgba(255,255,255,.12);overflow:hidden;transition:transform .2s,box-shadow .2s}
.app-card:hover{transform:translateY(-5px);box-shadow:0 24px 50px rgba(0,33,71,.3)}
.app-card:before{content:"";position:absolute;width:260px;height:260px;border-radius:50%;right:-80px;top:-80px;background:radial-gradient(circle,var(--glow),transparent 65%)}
.app-card.biz{--glow:rgba(79,140,255,.45);--ac:#f0bd45;background:linear-gradient(165deg,#0b2f5f,#061833)}
.app-card.money{--glow:rgba(47,192,143,.4);--ac:#2fc08f;background:linear-gradient(165deg,#0a4a46,#052a2e)}
.app-card.smart{--glow:rgba(245,146,46,.4);--ac:#f5922e;background:linear-gradient(165deg,#5a2e0b,#2a1405)}
.app-card .orb{width:64px;height:64px;margin-bottom:16px;position:relative}
.app-card .orb img{width:64px;height:64px;border-radius:18px}
.app-card h3{margin:0;font-size:26px;letter-spacing:-.02em}
.app-card h3 span{color:var(--ac)}
.app-card .tag{margin:6px 0 16px;color:#cfe0ff;font-weight:500}
.app-card ul{list-style:none;padding:0;margin:0 0 22px;flex:1}
.app-card li{padding:5px 0 5px 24px;position:relative;font-size:15px;color:#e3ecfb}
.app-card li:before{content:"✓";position:absolute;left:0;color:var(--ac);font-weight:800}
.status{display:inline-block;align-self:flex-start;font-size:12px;font-weight:800;letter-spacing:.06em;text-transform:uppercase;padding:5px 12px;border-radius:999px;margin-bottom:14px;background:rgba(255,255,255,.12);color:#fff}
.status.live{background:var(--ac);color:#06223a}
.app-card .more{display:inline-flex;align-items:center;gap:8px;font-weight:800;color:#fff;text-decoration:none;border-top:1px solid rgba(255,255,255,.15);padding-top:16px}
.app-card .more:hover{color:var(--ac)}
@media(max-width:980px){.apps3{grid-template-columns:1fr}}
.pillars{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:40px}
.pillar{text-align:center;padding:30px 24px;border-radius:var(--radius);background:#fff;border:1px solid var(--line)}
.pillar .ico{margin:0 auto 14px}
.pillar h3{margin:0 0 6px;color:var(--navy);font-size:21px}
.pillar p{margin:0;color:var(--muted)}
@media(max-width:800px){.pillars{grid-template-columns:1fr}}
.engine{background:linear-gradient(100deg,#f0bd45,#d9a21b);color:#06223a;border-radius:24px;padding:34px;display:grid;grid-template-columns:1fr auto;gap:24px;align-items:center;margin-top:0}
.engine h3{margin:0 0 6px;font-size:clamp(22px,3vw,30px);letter-spacing:-.02em}
.engine p{margin:0;font-weight:600}
.engine .soon{background:#06223a;color:#f0bd45;border-radius:16px;padding:14px 20px;font-weight:800;text-align:center;line-height:1.3}
.engine .soon small{display:block;color:#d6e3ff;font-weight:600;letter-spacing:.08em;text-transform:uppercase;font-size:11px}
@media(max-width:760px){.engine{grid-template-columns:1fr}}
.flow{display:grid;grid-template-columns:repeat(3,1fr);gap:0;margin-top:44px;position:relative}
.flow .node{padding:10px 24px;text-align:center;position:relative}
.flow .node .circle{width:84px;height:84px;margin:0 auto 14px;border-radius:50%;display:grid;place-items:center;font-weight:800;font-size:28px;color:#06223a}
.flow .node:nth-child(1) .circle{background:#f0bd45}
.flow .node:nth-child(2) .circle{background:#2fc08f}
.flow .node:nth-child(3) .circle{background:#f5922e}
.flow .node:not(:last-child):after{content:"→";position:absolute;right:-12px;top:26px;font-size:34px;color:var(--gold2)}
.flow h3{margin:0 0 6px;color:#fff}
.flow p{margin:0;color:var(--ice);font-size:15.5px}
@media(max-width:800px){.flow{grid-template-columns:1fr;gap:26px}.flow .node:not(:last-child):after{content:"↓";right:auto;left:50%;transform:translateX(-50%);top:auto;bottom:-34px}}
.results{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-top:40px}
.result{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px;text-align:center}
.result .ico{margin:0 auto 12px}
.result h3{margin:0 0 6px;color:var(--navy);font-size:19px}
.result p{margin:0;color:var(--muted);font-size:15px}
@media(max-width:980px){.results{grid-template-columns:repeat(2,1fr)}}
@media(max-width:560px){.results{grid-template-columns:1fr}}
.about{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:center}
.about .box{background:linear-gradient(160deg,var(--navy),var(--navy3));color:#fff;border-radius:24px;padding:34px}
.about .box h3{margin:0 0 10px;color:var(--gold)}
.about .box p{margin:0 0 10px;color:var(--ice)}
@media(max-width:900px){.about{grid-template-columns:1fr}}
.pillbar{display:flex;flex-wrap:wrap;gap:10px;margin:22px 0 0}
.pillbar span{background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.18);color:#fff;padding:8px 16px;border-radius:999px;font-weight:600;font-size:14px}
.note-strip{background:var(--goldsoft);border:1px solid var(--gold);border-radius:14px;padding:14px 18px;color:var(--ink);font-size:15px;margin-top:22px}
/* extra phone content */
.screen.light2{background:#f4f9f7}
.mm-card{margin:0 14px 10px;border-radius:20px;padding:16px;color:#fff;background:linear-gradient(150deg,#0b6b5a,#064a45)}
.mm-card .lbl{font-size:10px;letter-spacing:.1em;text-transform:uppercase;color:#7ff0c8;font-weight:700}
.mm-card .big{font-size:26px;font-weight:800;letter-spacing:-.02em}
.meter{height:8px;border-radius:6px;background:rgba(255,255,255,.2);margin-top:10px;overflow:hidden}
.meter i{display:block;height:100%;background:#7ff0c8;border-radius:6px}
.rowline{display:flex;justify-content:space-between;align-items:center;margin:0 14px 8px;background:#fff;border-radius:14px;padding:10px 12px;box-shadow:0 1px 3px rgba(0,33,71,.08);font-size:11.5px}
.rowline b{font-size:12px}
.rowline em{font-style:normal;font-weight:800}
.deal{margin:0 14px 10px;background:#fff;border-radius:16px;padding:12px;box-shadow:0 1px 3px rgba(0,33,71,.08);display:flex;gap:10px;align-items:center}
.deal .thumb{width:44px;height:44px;border-radius:12px;background:#ffe7cc;display:grid;place-items:center;font-size:22px;flex:none}
.deal .best{background:#f5922e;color:#fff;font-size:9.5px;font-weight:800;border-radius:999px;padding:2px 8px;margin-left:6px;vertical-align:middle}
.deal span{color:var(--muted);font-size:11px}

.appbar{background:#0a2a55;border-bottom:1px solid rgba(255,255,255,.08);position:sticky;top:61px;z-index:40}
.appbar .wrap{display:flex;align-items:center;justify-content:space-between;gap:12px;padding-top:8px;padding-bottom:8px}
.appname{display:flex;align-items:center;gap:8px;color:#fff;font-weight:800;text-decoration:none;font-size:15px}
.appname img{border-radius:7px}
.appnav{display:flex;align-items:center;gap:4px;flex-wrap:wrap;justify-content:flex-end}
.appnav a{color:var(--ice);text-decoration:none;font-size:14px;padding:6px 10px;border-radius:8px}
.appnav a:hover{color:#fff;background:rgba(255,255,255,.08)}
.appnav .mini-cta{background:var(--gold);color:#06223a;font-weight:800}
.appnav .mini-cta:hover{background:var(--gold);color:#06223a;filter:brightness(1.08)}
@media(max-width:640px){.appnav a:not(.mini-cta){display:none}.appbar{top:57px}}

.t-money .btn.ghost,.t-smart .btn.ghost{color:#fff}
.t-money .btn.ghost:hover,.t-smart .btn.ghost:hover{background:rgba(255,255,255,.1)}

.t-money .hero{background:radial-gradient(1100px 560px at 85% -10%,#12806a 0%,transparent 60%),linear-gradient(160deg,#07443f 0%,#031f23 100%)}
.t-money .dark{background:linear-gradient(160deg,#07443f 0%,#031f23 100%)}
.t-money .final{background:radial-gradient(900px 400px at 50% 0%,#12806a,transparent 70%),linear-gradient(160deg,#07443f,#031f23)}
.t-money .appbar{background:#06352f}
.t-money .site-header{background:rgba(3,31,35,.96)}
.t-money .nav .cta{background:#2fc08f;color:#06223a}
.mm-ai{margin:0 14px 8px;background:#e4f5ee;border:1px solid #bfe6d5;border-radius:14px;padding:10px 12px;font-size:11px;color:#15332c}
.mm-ai .lbl{font-size:9.5px;letter-spacing:.08em;text-transform:uppercase;color:#17946b;font-weight:800;margin-bottom:3px}
.mm-bal{margin:0 14px 8px;background:#fff;border-radius:14px;padding:10px 12px;box-shadow:0 1px 3px rgba(0,33,71,.08);display:grid;font-size:11px;color:#5b6b7c}
.mm-bal b{font-size:20px;color:#14233a;letter-spacing:-.02em}.mm-bal em{font-style:normal;color:#17946b;font-weight:700}
.mm-quick{display:grid;grid-template-columns:1fr 1fr;gap:6px;margin:0 14px 8px}
.mm-quick span{background:#fff;border-radius:12px;padding:9px;font-size:10.5px;font-weight:700;color:#14233a;box-shadow:0 1px 3px rgba(0,33,71,.08)}
.mm-spend{margin:0 14px;background:#fff;border-radius:14px;padding:10px 12px;display:flex;gap:12px;align-items:center;box-shadow:0 1px 3px rgba(0,33,71,.08)}
.donut{width:64px;height:64px;border-radius:50%;flex:none;background:conic-gradient(#2b6fd6 0 45%,#f0832b 45% 75%,#2fc08f 75% 94%,#9aa7b5 94% 100%);-webkit-mask:radial-gradient(circle 20px,transparent 98%,#000);mask:radial-gradient(circle 20px,transparent 98%,#000)}
.legend{font-size:9.5px;line-height:1.7;color:#5b6b7c;flex:1}.legend i{display:inline-block;width:7px;height:7px;border-radius:50%;margin-right:5px}.legend b{float:right;color:#14233a}
.trustbox{display:flex;gap:16px;align-items:center;border:1.5px solid rgba(47,192,143,.5);background:rgba(47,192,143,.08);border-radius:20px;padding:26px;max-width:420px}
.trustbox svg{width:44px;height:44px;color:#2fc08f;flex:none}.trustbox p{margin:6px 0 0;color:#cfe0ff}.trustbox strong{color:#2fc08f;letter-spacing:.04em;text-transform:uppercase;font-size:14px}

.appname span img{display:inline-block;vertical-align:middle}

.qgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:36px}
.q{display:flex;gap:14px;align-items:center;background:#fff;border:1px solid var(--line);border-radius:18px;padding:18px}
.q .ico{margin:0;flex:none;width:46px;height:46px}
.q .ico svg{width:24px;height:24px}
.q p{margin:0;font-size:16.5px;color:var(--ink)}
.q strong{color:var(--navy)}
.guess{margin:30px 0 18px;font-size:clamp(20px,2.4vw,26px);font-weight:800;color:var(--navy);text-align:center}
.turns{display:grid;grid-template-columns:1fr auto;gap:20px;align-items:center;background:linear-gradient(160deg,var(--navy),var(--navy2));color:#fff;border-radius:22px;padding:28px 32px;box-shadow:var(--shadow)}
.turns strong{font-size:clamp(20px,2.4vw,26px);letter-spacing:-.01em}
.turns ul{list-style:none;margin:0;padding:0}
.turns li{padding:4px 0 4px 26px;position:relative;color:#e8eef6}
.turns li:before{content:"✓";position:absolute;left:0;color:var(--gold);font-weight:800}
@media(max-width:900px){.qgrid{grid-template-columns:repeat(2,1fr)}.turns{grid-template-columns:1fr}}
@media(max-width:560px){.qgrid{grid-template-columns:1fr}}
.mock{width:100%;max-width:420px;background:#fff;border:1px solid var(--line);border-radius:22px;padding:22px;box-shadow:var(--shadow)}
.mrow{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-bottom:18px}
.mrow:has(.mstat:only-child){grid-template-columns:1fr}
.mstat{background:var(--alt);border-radius:14px;padding:12px 14px;display:grid}
.mstat span{font-size:12.5px;color:var(--muted)}
.mstat b{font-size:22px;color:var(--navy);letter-spacing:-.02em}
.mstat em{font-style:normal;font-size:12.5px;color:#17946b;font-weight:700}
.mtitle{font-weight:800;color:var(--navy);margin:4px 0 10px;font-size:14px}
.mbar{display:grid;grid-template-columns:110px 1fr 40px;gap:10px;align-items:center;margin-bottom:9px;font-size:13px;color:var(--muted)}
.mbar i{display:block;height:10px;border-radius:6px;background:var(--gold)}
.mbar b{color:var(--navy);text-align:right}
.mfoot{margin:12px 0 0;font-size:11.5px;color:var(--muted);text-align:right}
.winlist{list-style:none;padding:0;margin:34px auto 0;display:flex;flex-wrap:wrap;gap:10px;justify-content:center}
.winlist li{background:var(--goldsoft);border:1px solid var(--gold);color:var(--navy);padding:8px 16px;border-radius:999px;font-weight:600;font-size:14.5px}

.fourway{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin-top:26px}
.fourway div{background:#fff;border:1px solid var(--line);border-radius:16px;padding:16px 10px;text-align:center;display:grid;gap:2px}
.fourway svg{width:28px;height:28px;margin:0 auto 6px;color:var(--navy)}
.fourway b{color:var(--navy);font-size:15px}
.fourway span{color:var(--muted);font-size:13px}
@media(max-width:560px){.fourway{grid-template-columns:repeat(2,1fr)}}
.answers{background:linear-gradient(160deg,var(--navy),var(--navy3));color:#fff;border-radius:24px;padding:36px 30px;text-align:center;max-width:430px;box-shadow:var(--shadow)}
.answers svg{width:44px;height:44px;color:var(--gold);margin:0 auto 10px}
.answers h3{margin:0 0 4px;font-size:24px;letter-spacing:-.02em}
.answers p{margin:0;color:var(--ice)}
.answers hr{border:0;border-top:1px solid rgba(255,255,255,.18);margin:20px 0}
.answers .big2{font-size:22px;font-weight:800;color:#fff;letter-spacing:-.02em}
.answers .big2 em{font-style:normal;color:var(--gold)}
.tour{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin-top:40px}
.tourcard{background:#fff;border:1px solid var(--line);border-radius:18px;padding:22px}
.tourcard .ico{width:46px;height:46px;margin-bottom:12px}.tourcard .ico svg{width:24px;height:24px}
.tourcard h3{margin:0 0 4px;color:var(--navy);font-size:18px}
.tourcard p{margin:0;color:var(--muted);font-size:14.5px}
@media(max-width:980px){.tour{grid-template-columns:repeat(2,1fr)}}
@media(max-width:520px){.tour{grid-template-columns:1fr}}
.learnmore{margin-top:34px}
.postlist{max-width:860px}
.post{display:grid;grid-template-columns:70px 1fr;gap:20px;padding:36px 0;border-bottom:1px solid var(--line)}
.postnum{font-size:44px;font-weight:800;color:var(--gold);letter-spacing:-.04em;line-height:1}
.ptag{display:inline-block;background:var(--goldsoft);color:var(--navy);font-weight:800;font-size:12px;letter-spacing:.08em;text-transform:uppercase;padding:4px 12px;border-radius:999px}
.post h2{margin:10px 0 6px;font-size:clamp(26px,3.4vw,36px);letter-spacing:-.025em;color:var(--navy);line-height:1.15}
.plead{font-size:19px;font-weight:600;color:var(--ink);margin:0 0 12px}
.post p{color:var(--muted);margin:0 0 12px}
.ppoints{list-style:none;padding:0;margin:16px 0;display:grid;grid-template-columns:repeat(2,1fr);gap:10px}
.ppoints li{background:var(--alt);border-left:4px solid var(--gold);border-radius:10px;padding:12px 14px;color:var(--ink)}
.post blockquote{margin:18px 0 0;padding:16px 20px;background:linear-gradient(160deg,var(--navy),var(--navy2));color:#fff;border-radius:16px;font-weight:700}
.more-soon{text-align:center;color:var(--muted);padding:30px 0 0}
@media(max-width:640px){.post{grid-template-columns:1fr;gap:6px}.ppoints{grid-template-columns:1fr}}

.who{display:flex;flex-wrap:wrap;gap:12px;justify-content:center;margin-top:34px}
.who span{background:#fff;border:1px solid var(--line);border-radius:999px;padding:12px 22px;font-weight:700;color:var(--navy);box-shadow:0 2px 8px rgba(0,33,71,.06)}
.journey{display:flex;flex-wrap:wrap;align-items:center;justify-content:center;gap:10px;margin-top:34px}
.journey span{background:var(--navy);color:#fff;border-radius:14px;padding:12px 20px;font-weight:800}
.journey span.end{background:var(--gold);color:var(--navy)}
.journey i{font-style:normal;color:var(--gold2);font-weight:800;font-size:22px}
@media(max-width:640px){.journey i{display:none}.journey span{flex:1 1 40%;text-align:center}}

.aibadge{position:absolute;top:-14px;left:-34px;z-index:5;background:#061833;color:#fff;border:1px solid rgba(240,189,69,.5);font-weight:800;font-size:12px;letter-spacing:.06em;padding:8px 14px;border-radius:12px;box-shadow:0 10px 24px rgba(0,0,0,.35)}
.dh-ai{margin:0 14px 8px;background:#0f2a50;border:1px solid rgba(255,255,255,.1);border-radius:16px;padding:12px;font-size:11.5px;color:#e8eef6}
.dh-ai .lbl{display:flex;align-items:center;gap:5px;font-size:9.5px;letter-spacing:.08em;color:#f0bd45;font-weight:800;margin-bottom:5px}
.dh-ai .lbl svg{width:11px;height:11px}
.dh-metrics{display:grid;grid-template-columns:1fr 1fr;gap:8px;margin-top:10px;padding-top:8px;border-top:1px solid rgba(255,255,255,.1)}
.dh-metrics span{display:block;font-size:9.5px;color:#9fb4d6}
.dh-metrics b{font-size:14px;color:#fff;letter-spacing:-.01em}
.dh-metrics em{display:block;font-style:normal;font-size:10px;color:#7fe0b0;font-weight:700}
.dh-title{margin:0 16px 6px;font-size:11px;font-weight:700;color:#dbe6fa}
.dh-quick{display:grid;grid-template-columns:1fr 1fr;gap:6px;margin:0 14px 8px}
.dh-quick span{background:#fff;color:#14233a;border-radius:12px;padding:10px;font-size:10.5px;font-weight:700}
.dh-sales{margin:0 14px;background:#0f2a50;border-radius:14px;padding:10px 12px;color:#fff;font-size:10.5px}
.dh-sales b{display:block;font-size:17px;margin-top:2px}
.dh-sales em{font-style:normal;color:#7fe0b0;font-weight:700;font-size:10px}
.dh-sales svg{width:100%;height:34px;margin-top:6px}
.capband{background:#061833;border-top:1px solid rgba(255,255,255,.08)}
.caps{display:grid;grid-template-columns:repeat(5,1fr);gap:10px;padding-top:30px;padding-bottom:30px}
.cap{text-align:center;color:#e3ecfb;font-size:14px;font-weight:600;line-height:1.35}
.cap .tile{width:64px;height:64px;border-radius:18px;background:linear-gradient(160deg,#0d2a52,#0a1f40);border:1px solid rgba(240,189,69,.35);display:grid;place-items:center;margin:0 auto 10px;box-shadow:none;padding:0}
.cap .tile svg{width:30px;height:30px;color:#fff}
@media(max-width:760px){.caps{grid-template-columns:repeat(3,1fr)}}
@media(max-width:420px){.caps{grid-template-columns:repeat(2,1fr)}}
@media(max-width:980px){.aibadge{left:50%;transform:translateX(-50%);top:-18px}}

.adcards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:40px}
.adcard{position:relative;background:linear-gradient(160deg,var(--navy),var(--navy2));color:#fff;border-radius:22px;padding:30px 26px;display:flex;flex-direction:column;gap:12px;box-shadow:var(--shadow);overflow:hidden}
.adcard:before{content:"";position:absolute;right:-60px;top:-60px;width:180px;height:180px;border-radius:50%;background:radial-gradient(circle,rgba(240,189,69,.28),transparent 65%)}
.adcard h3{margin:0;font-size:clamp(21px,2.2vw,25px);line-height:1.2;letter-spacing:-.02em;position:relative}
.adcard p{margin:0;color:var(--ice);font-size:16.5px;flex:1;position:relative}
.adcard strong{color:var(--gold);font-size:17px;border-top:1px solid rgba(255,255,255,.16);padding-top:14px;position:relative}
.adcard .ai{color:var(--gold)}
.t-money .adcard{background:linear-gradient(160deg,#0b6b5a,#052a2e)}
.t-smart .adcard{background:linear-gradient(160deg,#8a4a10,#2a1405)}
@media(max-width:900px){.adcards{grid-template-columns:1fr}}

.faitile{display:inline-grid;place-items:center;background:#fff;border-radius:11px;padding:4px 7px;flex:none;box-shadow:0 1px 4px rgba(0,0,0,.25)}
.faitile img{width:40px;height:auto;display:block}
.faitile.big{border-radius:20px;padding:10px 16px;margin:0 auto 18px}
.faitile.big img{width:96px}
.vs{display:grid;grid-template-columns:1fr auto 1fr;gap:18px;align-items:stretch;margin-top:40px}
.vs-card{border-radius:22px;padding:30px;border:1px solid var(--line);background:#fff}
.vs-card.new{background:linear-gradient(160deg,var(--navy),var(--navy2));color:#fff;border:0;box-shadow:var(--shadow)}
.vs-tag{display:inline-block;font-size:12px;font-weight:800;letter-spacing:.08em;text-transform:uppercase;color:var(--gold2);margin-bottom:10px}
.vs-card.new .vs-tag{color:var(--gold)}
.vs-card h3{margin:0 0 8px;font-size:26px;letter-spacing:-.02em;color:var(--navy)}
.vs-card.new h3{color:#fff}
.vs-card p{margin:0;color:var(--muted)}
.vs-card.new p{color:var(--ice)}
.vs-arrow{align-self:center;font-size:34px;color:var(--gold2);font-weight:800}
@media(max-width:800px){.vs{grid-template-columns:1fr}.vs-arrow{transform:rotate(90deg);justify-self:center}}
.challenges{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin-top:40px}
.chal{background:#fff;border:1px solid var(--line);border-radius:22px;padding:28px}
.chal h3{margin:0 0 10px;font-size:22px;color:var(--navy)}
.chal ul{list-style:none;padding:0;margin:0}
.chal li{padding:9px 0 9px 28px;position:relative;border-bottom:1px solid var(--line);color:var(--muted)}
.chal li:last-child{border-bottom:0}
.chal li:before{content:"!";position:absolute;left:0;top:10px;width:19px;height:19px;border-radius:50%;background:var(--goldsoft);color:var(--gold2);font-weight:800;font-size:12px;display:grid;place-items:center}
.chal li strong{color:var(--navy)}
.insight2{margin:14px 0 0;background:var(--alt);border-left:4px solid var(--gold);border-radius:10px;padding:12px 14px;color:var(--ink);font-size:15px}
@media(max-width:860px){.challenges{grid-template-columns:1fr}}
.ladder{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin-top:40px}
.ladder div{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.16);border-radius:18px;padding:22px;text-align:center;display:grid;gap:8px}
.ladder b{width:38px;height:38px;border-radius:50%;background:var(--gold);color:#06223a;display:grid;place-items:center;margin:0 auto;font-weight:800}
.ladder span{font-weight:700;color:#fff}
.ladder .end{border-color:var(--gold)}
@media(max-width:800px){.ladder{grid-template-columns:repeat(2,1fr)}}