/* ============================================================
   RHEINWERT Clearing — MagentaPay Onboarding
   Design: dark private-banking, magenta accent, Instrument Serif
   ============================================================ */

:root{
  --bg:#0a0e17;
  --bg-alt:#0e1422;
  --panel:#121a2b;
  --panel-2:#16203555;
  --line:rgba(255,255,255,.08);
  --line-strong:rgba(255,255,255,.16);
  --text:#eef1f8;
  --muted:#9aa5bd;
  --magenta:#e6007e;
  --magenta-soft:#ff3ea5;
  --gold:#e8c469;
  --green:#3ddc97;
  --radius:18px;
  --font-body:'Plus Jakarta Sans',system-ui,-apple-system,sans-serif;
  --font-display:'Instrument Serif',Georgia,serif;
  --shadow:0 24px 60px -18px rgba(0,0,0,.55);
}

*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  font-family:var(--font-body);
  background:var(--bg);
  color:var(--text);
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
  overflow-x:hidden;
}
img{max-width:100%}
a{color:inherit;text-decoration:none}
.container{width:min(1160px,92%);margin-inline:auto}
.container.narrow{width:min(820px,92%)}

/* ---------- reveal animations ---------- */
.reveal{opacity:0;transform:translateY(26px);transition:opacity .7s cubic-bezier(.22,.61,.36,1),transform .7s cubic-bezier(.22,.61,.36,1)}
.reveal.visible{opacity:1;transform:none}
.d1{transition-delay:.1s}.d2{transition-delay:.2s}.d3{transition-delay:.3s}.d4{transition-delay:.42s}
@media (prefers-reduced-motion:reduce){
  .reveal{opacity:1;transform:none;transition:none}
  html{scroll-behavior:auto}
}

/* ---------- buttons ---------- */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:10px;
  font-weight:700;font-size:1rem;padding:16px 30px;border-radius:14px;
  border:1px solid transparent;cursor:pointer;white-space:nowrap;
  transition:transform .22s ease, box-shadow .22s ease, background .22s ease, border-color .22s;
}
.btn-primary{
  background:linear-gradient(135deg,var(--magenta) 0%,#b8009b 100%);
  color:#fff;box-shadow:0 14px 34px -10px rgba(230,0,126,.55);
}
.btn-primary:hover{transform:translateY(-2px);box-shadow:0 20px 44px -10px rgba(230,0,126,.7)}
.btn-primary:active{transform:translateY(0)}
.btn-ghost{background:transparent;border-color:var(--line-strong);color:var(--text)}
.btn-ghost:hover{border-color:var(--muted);background:rgba(255,255,255,.04)}
.btn-sm{padding:11px 20px;font-size:.92rem;border-radius:11px}
.btn-lg{padding:19px 42px;font-size:1.08rem}
.btn-block{width:100%}

/* ---------- top strip ---------- */
.topstrip{
  background:linear-gradient(90deg,rgba(230,0,126,.16),rgba(230,0,126,.05));
  border-bottom:1px solid rgba(230,0,126,.25);
  font-size:.83rem;color:#f4d9e9;text-align:center;padding:9px 16px;letter-spacing:.02em;
}
.pulse-dot{
  display:inline-block;width:8px;height:8px;border-radius:50%;
  background:var(--green);margin-right:6px;vertical-align:middle;
  animation:pulse 2s infinite;
}
.pulse-dot.magenta{background:var(--magenta-soft)}
@keyframes pulse{
  0%{box-shadow:0 0 0 0 rgba(61,220,151,.5)}
  70%{box-shadow:0 0 0 9px rgba(61,220,151,0)}
  100%{box-shadow:0 0 0 0 rgba(61,220,151,0)}
}

/* ---------- header ---------- */
.header{
  position:sticky;top:0;z-index:60;
  background:rgba(10,14,23,.82);backdrop-filter:blur(14px);-webkit-backdrop-filter:blur(14px);
  border-bottom:1px solid var(--line);
  transition:box-shadow .3s;
}
.header.scrolled{box-shadow:0 10px 34px -14px rgba(0,0,0,.6)}
.header-inner{display:flex;align-items:center;justify-content:space-between;height:70px;gap:24px}
.brand{display:flex;align-items:center;gap:11px}
.brand-mark{
  width:38px;height:38px;border-radius:10px;display:grid;place-items:center;
  background:linear-gradient(135deg,var(--gold),#a07c22);
  color:#131007;font-weight:800;font-size:1.15rem;font-family:var(--font-display);
}
.brand-text{font-weight:800;letter-spacing:.14em;font-size:.95rem}
.brand-text em{font-family:var(--font-display);font-style:italic;font-weight:400;letter-spacing:.04em;color:var(--gold)}
.nav{display:flex;gap:26px;font-size:.93rem;font-weight:600;color:var(--muted)}
.nav a{transition:color .2s;position:relative}
.nav a:hover{color:var(--text)}
.nav a::after{content:"";position:absolute;left:0;bottom:-6px;width:0;height:2px;background:var(--magenta);transition:width .25s}
.nav a:hover::after{width:100%}
.burger{display:none;background:none;border:0;cursor:pointer;flex-direction:column;gap:5px;padding:6px}
.burger span{width:24px;height:2px;background:var(--text);border-radius:2px;transition:.3s}

/* ---------- hero ---------- */
.hero{position:relative;padding:92px 0 110px;overflow:hidden}
.hero-glow{position:absolute;border-radius:50%;filter:blur(120px);pointer-events:none}
.hero-glow-1{width:640px;height:640px;background:rgba(230,0,126,.14);top:-220px;right:-140px;animation:drift 14s ease-in-out infinite alternate}
.hero-glow-2{width:520px;height:520px;background:rgba(90,60,220,.12);bottom:-260px;left:-160px;animation:drift 18s ease-in-out infinite alternate-reverse}
@keyframes drift{from{transform:translate(0,0) scale(1)}to{transform:translate(-60px,50px) scale(1.12)}}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:64px;align-items:center;position:relative;z-index:2}
.hero-badge{
  display:inline-flex;align-items:center;gap:8px;font-size:.8rem;font-weight:700;
  letter-spacing:.06em;text-transform:uppercase;color:var(--magenta-soft);
  border:1px solid rgba(230,0,126,.4);background:rgba(230,0,126,.08);
  padding:8px 16px;border-radius:999px;margin-bottom:26px;
}
.hero h1{
  font-family:var(--font-display);font-weight:400;
  font-size:clamp(2.4rem,4.6vw,3.9rem);line-height:1.12;letter-spacing:-.01em;margin-bottom:22px;
}
.accent{background:linear-gradient(100deg,var(--magenta-soft),var(--gold));-webkit-background-clip:text;background-clip:text;color:transparent}
.lead{color:var(--muted);font-size:1.09rem;max-width:56ch;margin-bottom:34px}
.hero-actions{display:flex;gap:16px;flex-wrap:wrap;margin-bottom:42px}
.hero-chips{display:flex;gap:14px;flex-wrap:wrap}
.chip{
  background:var(--panel);border:1px solid var(--line);border-radius:14px;padding:14px 22px;
  display:flex;flex-direction:column;min-width:132px;
}
.chip strong{font-size:1.25rem;font-weight:800}
.chip span{font-size:.78rem;color:var(--muted)}

/* hero card */
.hero-card-wrap{position:relative}
.hero-card{
  background:linear-gradient(160deg,#151d31,#0f1524);
  border:1px solid var(--line-strong);border-radius:24px;padding:34px;
  box-shadow:var(--shadow);position:relative;overflow:hidden;
  animation:float 7s ease-in-out infinite;
}
@keyframes float{0%,100%{transform:translateY(0)}50%{transform:translateY(-12px)}}
.hero-card::before{
  content:"";position:absolute;inset:0;border-radius:24px;padding:1px;
  background:linear-gradient(160deg,rgba(232,196,105,.4),transparent 40%,rgba(230,0,126,.35));
  -webkit-mask:linear-gradient(#fff 0 0) content-box,linear-gradient(#fff 0 0);
  -webkit-mask-composite:xor;mask-composite:exclude;pointer-events:none;
}
.hc-head{display:flex;justify-content:space-between;align-items:center;margin-bottom:20px;font-size:.78rem;color:var(--muted)}
.hc-live{display:inline-flex;align-items:center}
.hc-ref{letter-spacing:.1em;font-family:monospace}
.hc-amount{font-family:var(--font-display);font-size:3.4rem;line-height:1;margin-bottom:6px}
.hc-label{color:var(--muted);font-size:.88rem;margin-bottom:24px}
.hc-rows{display:flex;flex-direction:column;gap:11px;margin-bottom:24px}
.hc-row{display:flex;justify-content:space-between;font-size:.92rem;border-bottom:1px dashed var(--line);padding-bottom:9px}
.hc-row span{color:var(--muted)}
.hc-row .plus{color:var(--green)}
.hc-row .ok{color:var(--green)}
.hc-progress{height:6px;background:rgba(255,255,255,.07);border-radius:99px;overflow:hidden;margin-bottom:14px}
.hc-progress-bar{height:100%;width:0;border-radius:99px;background:linear-gradient(90deg,var(--magenta),var(--gold));animation:loadbar 4s ease-in-out infinite}
@keyframes loadbar{0%{width:8%}60%{width:96%}100%{width:96%}}
.hc-foot{font-size:.78rem;color:var(--muted)}
.floating-badge{
  position:absolute;background:rgba(18,26,43,.92);border:1px solid var(--line-strong);
  padding:9px 16px;border-radius:999px;font-size:.76rem;font-weight:700;
  box-shadow:var(--shadow);backdrop-filter:blur(6px);
  animation:float 6s ease-in-out infinite;
}
.fb-1{top:-16px;left:-14px;color:var(--green);animation-delay:.8s}
.fb-2{bottom:-14px;right:-8px;color:var(--gold);animation-delay:1.6s}

/* ---------- banks strip ---------- */
.banks{border-block:1px solid var(--line);background:var(--bg-alt);padding:22px 0}
.banks-inner{display:flex;align-items:center;justify-content:space-between;gap:26px;flex-wrap:wrap}
.banks-inner>span{font-size:.8rem;color:var(--muted);letter-spacing:.04em;text-transform:uppercase}
.bank-logos{display:flex;gap:34px;flex-wrap:wrap}
.bank-logos span{
  font-weight:800;font-size:1.05rem;color:#5c6880;opacity:.75;
  transition:opacity .25s, color .25s;letter-spacing:.02em;
}
.bank-logos span:hover{opacity:1;color:var(--text)}

/* ---------- sections ---------- */
.section{padding:104px 0}
.section-alt{background:var(--bg-alt);border-block:1px solid var(--line)}
.section-head{max-width:660px;margin:0 auto 58px;text-align:center}
.eyebrow{
  display:inline-block;font-size:.76rem;font-weight:800;letter-spacing:.16em;
  text-transform:uppercase;color:var(--magenta-soft);margin-bottom:14px;
}
.section-head h2,h2{font-family:var(--font-display);font-weight:400;font-size:clamp(1.8rem,3.2vw,2.6rem);line-height:1.18;margin-bottom:14px}
.section-head p{color:var(--muted)}

/* ---------- steps ---------- */
.steps-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
.step-card{
  background:var(--panel);border:1px solid var(--line);border-radius:var(--radius);
  padding:30px 26px;position:relative;overflow:hidden;
  transition:transform .3s ease,border-color .3s;
}
.step-card:hover{transform:translateY(-6px);border-color:rgba(230,0,126,.45)}
.step-card::after{
  content:"";position:absolute;top:0;left:0;width:100%;height:3px;
  background:linear-gradient(90deg,var(--magenta),transparent);
  transform:scaleX(0);transform-origin:left;transition:transform .45s ease;
}
.step-card:hover::after{transform:scaleX(1)}
.step-num{
  font-family:var(--font-display);font-size:2.6rem;color:transparent;
  -webkit-text-stroke:1px rgba(232,196,105,.55);line-height:1;margin-bottom:18px;
}
.step-card h3{font-size:1.06rem;margin-bottom:10px}
.step-card p{font-size:.9rem;color:var(--muted)}

/* ---------- split sections ---------- */
.split{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:center}
.split-reverse .split-visual{order:2}
.split-copy h2{margin-bottom:18px}
.split-copy p{color:var(--muted);margin-bottom:16px}
.split-copy strong{color:var(--text)}
.checklist{list-style:none;margin:22px 0 28px;display:flex;flex-direction:column;gap:12px}
.checklist li{padding-left:32px;position:relative;font-size:.95rem}
.checklist li::before{
  content:"✓";position:absolute;left:0;top:1px;width:21px;height:21px;border-radius:7px;
  background:rgba(61,220,151,.12);color:var(--green);display:grid;place-items:center;
  font-size:.75rem;font-weight:800;border:1px solid rgba(61,220,151,.35);
}

/* credentials card */
.cred-card{
  background:linear-gradient(160deg,#151d31,#0f1524);border:1px solid var(--line-strong);
  border-radius:20px;padding:30px;box-shadow:var(--shadow);
}
.cred-head{
  font-size:.76rem;font-weight:800;letter-spacing:.14em;text-transform:uppercase;
  color:var(--gold);margin-bottom:22px;padding-bottom:14px;border-bottom:1px solid var(--line);
}
.cred-row{
  display:flex;justify-content:space-between;gap:16px;padding:12px 0;
  border-bottom:1px dashed var(--line);font-size:.92rem;
}
.cred-row span{color:var(--muted)}
.cred-row b{font-family:monospace;font-weight:600;text-align:right;word-break:break-all}
.cred-row .ok{color:var(--green);font-family:var(--font-body)}
.cred-note{
  margin-top:20px;font-size:.82rem;color:var(--muted);
  background:rgba(230,0,126,.07);border:1px solid rgba(230,0,126,.25);
  padding:14px 16px;border-radius:12px;
}

/* phone mockup */
.phone{
  width:290px;margin:0 auto;background:#0d1322;border:1px solid var(--line-strong);
  border-radius:38px;padding:14px;box-shadow:var(--shadow);position:relative;
  animation:float 7s ease-in-out infinite;
}
.phone-notch{width:110px;height:22px;background:#0a0e17;border-radius:0 0 14px 14px;margin:0 auto 8px;position:relative;top:-14px}
.phone-app{background:linear-gradient(170deg,#141c30,#0e1524);border-radius:26px;padding:30px 22px;text-align:center}
.phone-logo{font-weight:800;font-size:1.3rem;letter-spacing:.02em;margin-bottom:2px}
.phone-sub{font-size:.76rem;color:var(--muted);margin-bottom:26px}
.thunder-label{font-size:.72rem;color:var(--muted);margin-bottom:10px;letter-spacing:.02em}
.thunder-code{
  font-family:monospace;font-size:1.7rem;font-weight:700;letter-spacing:.14em;
  background:rgba(230,0,126,.1);border:1px dashed rgba(230,0,126,.5);
  border-radius:14px;padding:18px 10px;margin-bottom:12px;color:#ff8ac9;
  animation:codeGlow 3s ease-in-out infinite;
}
@keyframes codeGlow{0%,100%{box-shadow:0 0 0 0 rgba(230,0,126,.15)}50%{box-shadow:0 0 26px -4px rgba(230,0,126,.4)}}
.phone-timer{font-size:.76rem;color:var(--muted);margin-bottom:22px}
.phone-btn{
  background:linear-gradient(135deg,var(--magenta),#b8009b);color:#fff;font-weight:700;
  padding:13px;border-radius:12px;margin-bottom:16px;font-size:.92rem;
}
.phone-secure{display:inline-flex;align-items:center;gap:6px;font-size:.72rem;color:var(--muted)}

/* ---------- calculator ---------- */
.calc{
  background:var(--panel);border:1px solid var(--line-strong);border-radius:24px;
  padding:46px;box-shadow:var(--shadow);position:relative;overflow:hidden;
}
.calc::before{content:"";position:absolute;top:-120px;right:-120px;width:320px;height:320px;border-radius:50%;background:rgba(230,0,126,.1);filter:blur(80px)}
.calc-head{text-align:center;margin-bottom:34px;position:relative}
.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin-bottom:26px}
.field span{display:block;font-size:.82rem;font-weight:700;color:var(--muted);margin-bottom:8px}
.field select{
  width:100%;background:var(--bg);color:var(--text);border:1px solid var(--line-strong);
  border-radius:12px;padding:14px 16px;font-family:inherit;font-size:.95rem;
  appearance:none;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%239aa5bd' stroke-width='2' fill='none'/%3E%3C/svg%3E");
  background-repeat:no-repeat;background-position:right 16px center;
  transition:border-color .2s;
}
.field select:focus{outline:none;border-color:var(--magenta)}
.calc-result{
  background:var(--bg);border:1px solid var(--line);border-radius:16px;
  padding:22px 26px;margin-bottom:24px;
}
.calc-line{display:flex;justify-content:space-between;padding:9px 0;font-size:.95rem;border-bottom:1px dashed var(--line)}
.calc-line span{color:var(--muted)}
.calc-line .plus{color:var(--green)}
.calc-line.total{border-bottom:none;padding-top:16px;font-size:1.15rem;font-weight:800}
.calc-line.total b{color:var(--gold);font-size:1.4rem;font-family:var(--font-display);font-weight:400}
.calc-fine{text-align:center;font-size:.78rem;color:var(--muted);margin-top:14px}

/* ---------- trust ---------- */
.trust-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
.trust-card{
  background:var(--panel);border:1px solid var(--line);border-radius:var(--radius);
  padding:30px 26px;transition:transform .3s,border-color .3s;
}
.trust-card:hover{transform:translateY(-6px);border-color:rgba(232,196,105,.4)}
.trust-ico{
  width:48px;height:48px;border-radius:14px;display:grid;place-items:center;font-size:1.3rem;
  background:linear-gradient(135deg,rgba(230,0,126,.18),rgba(232,196,105,.14));
  border:1px solid rgba(230,0,126,.3);margin-bottom:18px;
}
.trust-card h3{font-size:1rem;margin-bottom:9px}
.trust-card p{font-size:.87rem;color:var(--muted)}

/* ---------- reviews ---------- */
.reviews-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.review-card{
  background:var(--panel);border:1px solid var(--line);border-radius:var(--radius);
  padding:26px;display:flex;flex-direction:column;gap:16px;
  transition:transform .3s,border-color .3s;
}
.review-card:hover{transform:translateY(-5px);border-color:var(--line-strong)}
.review-card .rc-text{flex:0 0 auto}
.review-card .payproof{margin-top:auto}
.rc-head{display:flex;align-items:center;gap:13px}
.avatar{
  width:46px;height:46px;border-radius:50%;display:grid;place-items:center;
  font-weight:800;font-size:.95rem;color:#fff;flex-shrink:0;
}
.rc-name{font-weight:700;font-size:.95rem;line-height:1.3}
.rc-meta{font-size:.78rem;color:var(--muted)}
.rc-stars{margin-left:auto;color:var(--gold);font-size:.8rem;letter-spacing:2px}
.rc-text{font-size:.9rem;color:#c6cede;font-style:italic}
.rc-text::before{content:"„"}.rc-text::after{content:"“"}

/* payment proof mini-screenshot */
.payproof{
  background:#0d1526;border:1px solid rgba(255,255,255,.14);border-radius:14px;
  padding:14px 16px;font-size:.78rem;position:relative;overflow:hidden;
}
.payproof::before{content:"";position:absolute;top:0;left:0;right:0;height:34px;background:var(--bank,#1b2436);opacity:.9}
.pp-top{display:flex;justify-content:space-between;align-items:center;position:relative;z-index:1;margin-bottom:10px}
.pp-bank{font-weight:800;font-size:.8rem;color:#fff;letter-spacing:.03em}
.pp-time{color:rgba(255,255,255,.75);font-size:.7rem}
.pp-amount{font-size:1.35rem;font-weight:800;color:var(--green);margin-bottom:8px}
.pp-row{display:flex;justify-content:space-between;gap:12px;color:var(--muted);padding:2px 0}
.pp-row b{color:#c6cede;font-weight:600;font-family:monospace;font-size:.72rem;text-align:right}
.pp-status{
  display:inline-flex;align-items:center;gap:6px;margin-top:8px;
  color:var(--green);font-weight:700;font-size:.74rem;
}
.reviews-note{text-align:center;font-size:.82rem;color:var(--muted);margin-top:34px;max-width:640px;margin-inline:auto}

/* ---------- FAQ ---------- */
.faq-list{display:flex;flex-direction:column;gap:12px}
.faq-item{
  background:var(--panel);border:1px solid var(--line);border-radius:14px;
  overflow:hidden;transition:border-color .25s;
}
.faq-item[open]{border-color:rgba(230,0,126,.4)}
.faq-item summary{
  list-style:none;cursor:pointer;padding:20px 54px 20px 24px;font-weight:700;font-size:.98rem;
  position:relative;user-select:none;
}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item summary::after{
  content:"+";position:absolute;right:22px;top:50%;transform:translateY(-50%);
  font-size:1.4rem;color:var(--magenta-soft);transition:transform .3s;font-weight:400;
}
.faq-item[open] summary::after{transform:translateY(-50%) rotate(45deg)}
.faq-item p{padding:0 24px 22px;color:var(--muted);font-size:.92rem;animation:faqOpen .35s ease}
@keyframes faqOpen{from{opacity:0;transform:translateY(-6px)}to{opacity:1;transform:none}}
.faq-item strong{color:var(--text)}

/* ---------- final CTA ---------- */
.final-cta{padding:110px 0}
.final-box{
  text-align:center;background:linear-gradient(165deg,#161f36,#0e1424);
  border:1px solid var(--line-strong);border-radius:28px;padding:70px 48px;
  position:relative;overflow:hidden;box-shadow:var(--shadow);
}
.final-box::before{content:"";position:absolute;top:-160px;left:50%;transform:translateX(-50%);width:520px;height:320px;border-radius:50%;background:rgba(230,0,126,.16);filter:blur(90px)}
.final-badge{
  display:inline-flex;align-items:center;font-size:.8rem;font-weight:800;letter-spacing:.1em;
  text-transform:uppercase;color:var(--green);margin-bottom:20px;
  border:1px solid rgba(61,220,151,.35);background:rgba(61,220,151,.08);
  padding:8px 18px;border-radius:999px;position:relative;
}
.final-box h2{margin-bottom:16px}
.final-box p{color:var(--muted);max-width:56ch;margin:0 auto 34px;position:relative}
.final-timer{margin-top:24px;font-size:.88rem;color:var(--muted)}
.final-timer strong{color:var(--gold);font-family:monospace;font-size:1.05rem}

/* ---------- footer ---------- */
.footer{border-top:1px solid var(--line);background:#070a12;padding:64px 0 0}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:40px;padding-bottom:44px}
.footer-blurb{color:var(--muted);font-size:.88rem;margin-top:16px}
.footer-blurb a{color:var(--magenta-soft)}
.footer-col h4{font-size:.82rem;letter-spacing:.12em;text-transform:uppercase;color:var(--muted);margin-bottom:14px}
.footer-col p{font-size:.88rem;color:#c6cede}
.footer-col a:hover{color:var(--magenta-soft)}
.footer-bottom{border-top:1px solid var(--line);padding:22px 0;font-size:.76rem;color:#5c6880;text-align:center}

/* ---------- sticky mobile cta ---------- */
.sticky-cta{
  position:fixed;left:0;right:0;bottom:0;z-index:70;display:none;
  align-items:center;justify-content:space-between;gap:14px;
  background:rgba(10,14,23,.95);backdrop-filter:blur(12px);
  border-top:1px solid var(--line-strong);padding:12px 18px;
  transform:translateY(110%);transition:transform .4s cubic-bezier(.22,.61,.36,1);
}
.sticky-cta.show{transform:none}
.sticky-cta-info{display:flex;flex-direction:column;line-height:1.25}
.sticky-cta-info strong{font-size:1.1rem}
.sticky-cta-info span{font-size:.72rem;color:var(--muted)}
.sticky-cta .btn{padding:12px 22px;font-size:.9rem}

/* ---------- modals ---------- */
.modal{
  position:fixed;inset:0;z-index:100;display:none;place-items:center;padding:20px;
  background:rgba(5,8,14,.75);backdrop-filter:blur(6px);
}
.modal.open{display:grid;animation:fadeIn .25s ease}
@keyframes fadeIn{from{opacity:0}to{opacity:1}}
.modal-box{
  background:var(--panel);border:1px solid var(--line-strong);border-radius:20px;
  max-width:620px;width:100%;max-height:80vh;overflow:auto;padding:38px;position:relative;
  animation:modalUp .3s cubic-bezier(.22,.61,.36,1);
}
@keyframes modalUp{from{opacity:0;transform:translateY(24px)}to{opacity:1;transform:none}}
.modal-box h3{font-family:var(--font-display);font-weight:400;font-size:1.6rem;margin-bottom:18px}
.modal-box p{color:var(--muted);font-size:.9rem;margin-bottom:14px}
.modal-close{
  position:absolute;top:16px;right:20px;background:none;border:0;color:var(--muted);
  font-size:1.7rem;cursor:pointer;transition:color .2s;line-height:1;
}
.modal-close:hover{color:var(--text)}
.modal-box{scrollbar-width:thin;scrollbar-color:rgba(255,255,255,.22) transparent}
.modal-box::-webkit-scrollbar{width:8px}
.modal-box::-webkit-scrollbar-track{background:transparent}
.modal-box::-webkit-scrollbar-thumb{background:rgba(255,255,255,.18);border-radius:8px}

/* ---------- quiz ---------- */
.quiz-box{max-width:540px;text-align:center}
.quiz-progress{display:flex;align-items:center;justify-content:center;gap:10px;margin-bottom:30px}
.qp-dot{width:10px;height:10px;border-radius:50%;background:rgba(255,255,255,.15);transition:background .3s}
.qp-dot.active{background:var(--magenta)}
.qp-line{position:relative;width:120px;height:4px;background:rgba(255,255,255,.1);border-radius:99px;overflow:hidden}
.qp-line i{display:block;height:100%;width:0;background:linear-gradient(90deg,var(--magenta),var(--gold));transition:width .5s cubic-bezier(.22,.61,.36,1)}
.quiz-kicker{font-size:.74rem;font-weight:800;letter-spacing:.14em;text-transform:uppercase;color:var(--magenta-soft);margin-bottom:14px}
.quiz-step h3{font-family:var(--font-display);font-weight:400;font-size:1.45rem;line-height:1.3;margin-bottom:14px}
.quiz-hint{color:var(--muted);font-size:.9rem;margin-bottom:26px}
.quiz-hint strong{color:var(--text)}
.quiz-actions{display:flex;flex-direction:column;gap:12px}
.quiz-actions .btn{width:100%}
.quiz-step{animation:quizIn .4s cubic-bezier(.22,.61,.36,1)}
@keyframes quizIn{from{opacity:0;transform:translateY(14px)}to{opacity:1;transform:none}}
.quiz-check{
  width:70px;height:70px;border-radius:50%;margin:6px auto 20px;display:grid;place-items:center;
  font-size:2rem;font-weight:800;color:#fff;
  background:radial-gradient(circle at 35% 30%,#4be3a5,#0f9d58);
  box-shadow:0 0 44px -6px rgba(61,220,151,.55);
  animation:popIn .5s cubic-bezier(.34,1.56,.64,1);
}
.quiz-check.warn{background:radial-gradient(circle at 35% 30%,#f5c26b,#b7791f);box-shadow:0 0 44px -6px rgba(232,196,105,.5)}
@keyframes popIn{from{transform:scale(.4);opacity:0}to{transform:scale(1);opacity:1}}
.quiz-protect{margin-top:20px;font-size:.78rem;color:var(--muted);border-top:1px dashed var(--line);padding-top:16px}
.quiz-tg{box-shadow:0 16px 40px -10px rgba(230,0,126,.65)}

/* ---------- toast ---------- */
.toast{
  position:fixed;left:20px;bottom:20px;z-index:80;
  background:rgba(18,26,43,.96);border:1px solid rgba(61,220,151,.4);border-radius:14px;
  padding:13px 18px;font-size:.82rem;display:flex;align-items:center;gap:11px;
  box-shadow:var(--shadow);transform:translateY(140%);opacity:0;
  transition:transform .5s cubic-bezier(.22,.61,.36,1),opacity .5s;
  max-width:340px;
}
.toast.show{transform:none;opacity:1}
.toast .t-amount{color:var(--green);font-weight:800}
.toast .t-meta{color:var(--muted);font-size:.72rem}

/* ---------- responsive ---------- */
@media (max-width:1020px){
  .hero-grid{grid-template-columns:1fr;gap:56px}
  .hero{padding:64px 0 84px}
  .steps-grid,.trust-grid{grid-template-columns:repeat(2,1fr)}
  .reviews-grid{grid-template-columns:repeat(2,1fr)}
  .split{grid-template-columns:1fr;gap:44px}
  .split-reverse .split-visual{order:0}
  .footer-grid{grid-template-columns:1fr 1fr}
}
@media (max-width:680px){
  .nav{
    position:fixed;inset:70px 0 auto 0;background:rgba(10,14,23,.98);backdrop-filter:blur(14px);
    flex-direction:column;padding:26px 7%;gap:20px;border-bottom:1px solid var(--line);
    transform:translateY(-130%);transition:transform .35s ease;z-index:55;
  }
  .nav.open{transform:none}
  .burger{display:flex}
  .header-cta{display:none}
  .steps-grid,.trust-grid,.reviews-grid,.calc-grid{grid-template-columns:1fr}
  .calc{padding:30px 22px}
  .section{padding:72px 0}
  .hero-card{padding:26px}
  .floating-badge{display:none}
  .sticky-cta{display:flex}
  body{padding-bottom:74px}
  .footer-grid{grid-template-columns:1fr}
  .banks-inner{justify-content:center;text-align:center}
  .final-box{padding:48px 24px}
}