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

  :root {
    --navy: #0A1D36;
    --navy-mid: #1a2e45;
    --navy-light: #243d57;
    --gold: #1073B8;
    --gold-light: #5AB0E8;
    --cream: #f5f0e8;
    --white: #ffffff;
    --gray: #8a9bb0;
    --gray-light: #d0d8e4;
    --text-body: #4a5a6b;
  }

  html { scroll-behavior: smooth; }

  body {
    font-family: 'DM Sans', sans-serif;
    background: var(--white);
    color: var(--navy);
    overflow-x: hidden;
  }

  /* ── NAV ── */
  nav {
    position: fixed; top: 0; left: 0; right: 0; z-index: 100;
    display: flex; align-items: center; justify-content: space-between;
    padding: 0 40px;
    min-height: 112px;
    background: rgba(4, 17, 31, 0.96);
    border-bottom: 1px solid rgba(74, 159, 212, 0.25);
    backdrop-filter: blur(8px);
  }
  .site-nav { flex-wrap: nowrap; gap: 18px; }
  .nav-brand {
    display: flex;
    flex-direction: column;
    align-items: flex-start;
    gap: 4px;
    min-width: 0;
  }
  .nav-logo {
    display: inline-flex;
    align-items: center;
    text-decoration: none;
    flex-shrink: 0;
    padding-top: 6px;
    font-family: 'Barlow Condensed', sans-serif;
    font-weight: 700;
    font-size: 16px;
    color: var(--white);
    letter-spacing: 0.05em;
  }
  .nav-logo img {
    display: block;
    height: 58px;
    width: auto;
    margin-top: 0;
  }
  .nav-tagline {
    max-width: 240px;
    display: inline-block;
    flex-shrink: 0;
    font-family: 'Barlow Condensed', sans-serif;
    font-size: clamp(0.62rem, 0.95vw, 0.72rem);
    font-weight: 600;
    letter-spacing: 0.18em;
    text-transform: uppercase;
    color: var(--gray);
    line-height: 1.3;
    white-space: normal;
    margin-top: -2px;
  }
  .nav-toggle {
    display: none;
    flex-direction: column;
    justify-content: center;
    gap: 5px;
    width: 42px;
    height: 42px;
    background: transparent;
    border: 0;
    cursor: pointer;
    padding: 0;
  }
  .nav-toggle span {
    display: block;
    width: 22px;
    height: 2px;
    background: var(--white);
    border-radius: 999px;
  }
  .nav-links {
    display: flex;
    align-items: center;
    gap: 32px;
    list-style: none;
  }
  .nav-links a {
    font-family: 'Barlow Condensed', sans-serif;
    font-size: 0.875rem;
    font-weight: 600;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    color: var(--gray);
    text-decoration: none;
    transition: color 0.2s;
  }
  .nav-links a:hover,
  .nav-links a.active { color: var(--gold); }
  .nav-cta {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    background: #5b9bd5;
    color: #fff !important;
    padding: 16px 32px;
    font-family: 'Barlow Condensed', sans-serif;
    font-weight: 700 !important;
    font-size: 0.95rem !important;
    letter-spacing: 0.12em !important;
    text-transform: uppercase;
    text-decoration: none;
    white-space: nowrap;
    border-radius: 999px;
    transition: background 0.2s, transform 0.2s !important;
  }
  .nav-cta:hover {
    background: #7fb4e6 !important;
    color: #fff !important;
    transform: translateY(-1px);
  }

  /* ── HERO ── */
  .hero {
    position: relative;
    min-height: 100vh;
    background: var(--navy);
    display: flex; align-items: flex-end;
    overflow: hidden;
    padding: 132px 56px 100px;
  }
  .hero-bg {
    position: absolute; inset: 0;
    background:
      radial-gradient(ellipse 70% 60% at 80% 40%, rgba(200,169,110,0.12) 0%, transparent 60%),
      radial-gradient(ellipse 50% 80% at 20% 80%, rgba(26,46,69,0.8) 0%, transparent 70%),
      linear-gradient(160deg, #0d1b2a 0%, #1a2e45 50%, #0d1b2a 100%);
  }
  .hero-grid {
    position: absolute; inset: 0;
    background-image: 
      linear-gradient(rgba(200,169,110,0.04) 1px, transparent 1px),
      linear-gradient(90deg, rgba(200,169,110,0.04) 1px, transparent 1px);
    background-size: 60px 60px;
  }
  .hero-content { position: relative; z-index: 2; max-width: 900px; }
  .hero-eyebrow {
    display: inline-flex; align-items: center; gap: 10px;
    margin-bottom: 32px;
    width: fit-content; max-width: 100%;
    position: relative; padding-right: 34px;
    opacity: 0; animation: fadeUp 0.8s ease 0.2s forwards;
  }
  .hero-eyebrow-line {
    flex: 0 0 24px; height: 1px; background: #fff;
  }
  .hero-eyebrow::after {
    content: '';
    position: absolute; right: 0; top: 50%;
    width: 24px; height: 1px; background: #fff;
    transform: translateY(-50%);
  }
  .hero-eyebrow-copy {
    display: flex; flex-direction: column; gap: 6px;
    max-width: min(100%, 320px);
  }
  .hero-eyebrow-text {
    font-size: 0.72rem; font-weight: 500; letter-spacing: 0.18em;
    text-transform: uppercase; color: #fff; line-height: 1.4;
    max-width: 100%;
    white-space: nowrap;
  }

  @media (max-width: 768px) {
    .hero-eyebrow,
    .section-eyebrow {
      gap: 8px;
      margin-bottom: 20px;
      flex-wrap: wrap;
      padding-right: 0;
    }

    .hero-eyebrow-line,
    .section-eyebrow-line {
      flex-basis: 18px;
    }

    .hero-eyebrow::after,
    .section-eyebrow::after {
      position: static;
      transform: none;
      flex: 0 0 18px;
      margin-top: 2px;
    }

    .hero-eyebrow-text {
      font-size: clamp(0.58rem, 1.8vw, 0.72rem);
      letter-spacing: 0.12em;
      line-height: 1.5;
      max-width: 100%;
      white-space: normal;
    }

    .section-eyebrow-text {
      white-space: normal;
    }
  }

  .hero h1 {
    font-family: 'Playfair Display', serif;
    font-size: clamp(3rem, 6vw, 5.5rem);
    font-weight: 500;
    line-height: 1.08;
    color: var(--white);
    margin-bottom: 32px;
    opacity: 0; animation: fadeUp 0.8s ease 0.4s forwards;
  }
  .hero h1 em { font-style: italic; color: var(--gold); }
  .hero-sub {
    font-size: 1.15rem; font-weight: 300; line-height: 1.7;
    color: var(--gray-light); max-width: 560px;
    opacity: 0; animation: fadeUp 0.8s ease 0.6s forwards;
  }
  .hero-actions {
    margin: 0 0 32px;
    display: flex;
    flex-wrap: wrap;
    gap: 16px;
    opacity: 0; animation: fadeUp 0.8s ease 0.7s forwards;
  }
  .hero-cta {
    margin-top: 0;
  }
  .hero-scroll {
    position: absolute; bottom: 40px; right: 56px;
    display: flex; flex-direction: column; align-items: center; gap: 8px;
    opacity: 0; animation: fadeUp 0.8s ease 1s forwards;
  }
  .hero-scroll-label {
    font-size: 0.65rem; letter-spacing: 0.18em; text-transform: uppercase;
    color: var(--gray); writing-mode: vertical-rl;
  }
  .hero-scroll-bar {
    width: 1px; height: 60px; background: linear-gradient(to bottom, var(--gold), transparent);
    animation: pulse-bar 2s ease-in-out infinite;
  }

  /* ── STATS BAR ── */
  .stats-bar {
    background: var(--navy-mid);
    border-top: 1px solid rgba(200,169,110,0.2);
    border-bottom: 1px solid rgba(200,169,110,0.2);
    padding: 0 56px;
    display: grid; grid-template-columns: repeat(4, 1fr);
  }
  .stat-item {
    padding: 48px 0;
    border-right: 1px solid rgba(200,169,110,0.12);
    padding-left: 40px;
    transition: background 0.3s;
    color: inherit;
    text-decoration: none;
    display: block;
  }
  .stat-item:first-child { padding-left: 0; }
  .stat-item:last-child { border-right: none; }
  .stat-item:hover { background: rgba(200,169,110,0.04); }
  .stat-number {
    font-family: 'Playfair Display', serif;
    font-size: 2.8rem; font-weight: 600;
    color: #5b9bd5; line-height: 1;
    margin-bottom: 10px;
  }
  .stat-label {
    font-size: 0.8rem; font-weight: 400; letter-spacing: 0.06em;
    color: var(--gray-light);
    line-height: 1.5;
  }

  /* ── SECTION BASE ── */
  section { padding: 120px 56px; }
  .section-eyebrow {
    display: inline-flex; align-items: center; gap: 10px; margin-bottom: 24px;
    width: fit-content; max-width: 100%; position: relative; padding-right: 34px;
  }
  .section-eyebrow-line {
    flex: 0 0 24px; height: 1px; background: var(--gold);
  }
  .section-eyebrow::after {
    content: '';
    position: absolute; right: 0; top: 50%;
    width: 24px; height: 1px; background: var(--gold);
    transform: translateY(-50%);
  }
  .section-eyebrow-text {
    font-size: 0.7rem; font-weight: 500; letter-spacing: 0.18em;
    text-transform: uppercase; color: var(--gold);
    white-space: nowrap;
  }
  h2.section-title {
    font-family: 'Playfair Display', serif;
    font-size: clamp(2rem, 3.5vw, 3rem);
    font-weight: 500; line-height: 1.2; color: var(--navy);
  }
  h2.section-title.light { color: var(--white); }

  /* ── WHO WE ARE ── */
  .who-we-are {
    background: var(--cream);
    display: grid; grid-template-columns: 1fr 1fr; gap: 80px; align-items: center;
  }
  .who-left {}
  .who-left p {
    font-size: 1.05rem; line-height: 1.85; color: var(--text-body);
    margin-top: 32px; margin-bottom: 24px;
  }
  .who-left p strong { color: var(--navy); font-weight: 500; }
  .who-cta {
    display: inline-flex; align-items: center; gap: 12px;
    font-size: 0.8rem; font-weight: 600; letter-spacing: 0.12em;
    text-transform: uppercase; color: var(--navy); text-decoration: none;
    border-bottom: 2px solid var(--gold); padding-bottom: 4px;
    transition: gap 0.2s, color 0.2s;
  }
  .who-cta:hover { gap: 18px; color: var(--gold); }
  .who-cta-arrow { font-size: 1rem; }
  .who-right {
    position: relative;
    background: var(--navy-mid);
    padding: 56px 48px;
    border-left: 3px solid var(--gold);
  }
  .who-right::before {
    content: '\201C';
    position: absolute; top: -20px; left: 40px;
    font-family: 'Playfair Display', serif;
    font-size: 8rem; color: var(--gold); opacity: 0.15; line-height: 1;
  }
  .who-quote {
    font-family: 'Playfair Display', serif;
    font-size: 1.4rem; font-weight: 400; font-style: italic;
    color: var(--white); line-height: 1.6; margin-bottom: 32px;
  }
  .who-quote-attr {
    font-size: 0.78rem; letter-spacing: 0.1em; text-transform: uppercase;
    color: var(--gold);
  }
  .location-badge {
    margin-top: 40px;
    display: flex; align-items: center; gap: 12px;
    padding: 16px 20px;
    background: rgba(200,169,110,0.08);
    border: 1px solid rgba(200,169,110,0.2);
  }
  .location-dot { width: 8px; height: 8px; background: var(--gold); border-radius: 50%; }
  .location-text { font-size: 0.82rem; color: var(--gray-light); letter-spacing: 0.06em; }
  .location-text strong { color: var(--gold); }

  /* ── VALUES ── */
  .values-section { background: var(--navy); }
  .values-grid {
    display: grid; grid-template-columns: repeat(4, 1fr); gap: 1px;
    margin-top: 72px;
    background: rgba(200,169,110,0.12);
    border: 1px solid rgba(200,169,110,0.12);
  }
  .value-card {
    background: var(--navy);
    padding: 48px 36px;
    transition: background 0.3s;
    position: relative; overflow: hidden;
  }
  .value-card::after {
    content: '';
    position: absolute; bottom: 0; left: 0;
    width: 0; height: 2px; background: var(--gold);
    transition: width 0.4s ease;
  }
  .value-card:hover { background: var(--navy-light); }
  .value-card:hover::after { width: 100%; }
  .value-number {
    font-family: 'DM Mono', monospace;
    font-size: 0.7rem; color: var(--gold); opacity: 0.6;
    letter-spacing: 0.1em; margin-bottom: 24px;
    display: block;
  }
  .value-card h3 {
    font-family: 'Playfair Display', serif;
    font-size: 1.25rem; font-weight: 500;
    color: var(--white); margin-bottom: 20px; line-height: 1.3;
  }
  .value-card p {
    font-size: 0.88rem; line-height: 1.75; color: var(--gray);
  }

  /* ── SERVICES ── */
  .services-section { background: var(--white); }
  .services-header {
    display: grid; grid-template-columns: 1fr 1fr; gap: 80px;
    margin-bottom: 80px; align-items: end;
  }
  .services-header p {
    font-size: 1rem; line-height: 1.8; color: var(--text-body);
    margin-top: 24px;
  }
  .services-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 2px; }
  .service-card {
    background: var(--cream);
    padding: 48px 36px;
    position: relative; overflow: hidden;
    transition: all 0.3s;
    cursor: pointer;
    color: inherit;
    text-decoration: none;
    display: block;
  }
  .service-card::before {
    content: '';
    position: absolute; top: 0; left: 0; right: 0;
    height: 3px; background: var(--gold);
    transform: scaleX(0); transform-origin: left;
    transition: transform 0.4s ease;
  }
  .service-card:hover { background: var(--navy); }
  .service-card:hover::before { transform: scaleX(1); }
  .service-card:hover h3,
  .service-card:hover p,
  .service-card:hover .service-amount { color: var(--white); }
  .service-card:hover .service-tag { background: rgba(200,169,110,0.2); color: var(--gold); }
  .service-tag {
    display: inline-block;
    font-size: 0.65rem; font-weight: 600; letter-spacing: 0.15em;
    text-transform: uppercase; color: var(--navy);
    background: rgba(13,27,42,0.08);
    padding: 5px 12px; margin-bottom: 28px;
    transition: all 0.3s;
  }
  .service-amount {
    font-family: 'Playfair Display', serif;
    font-size: 2.2rem; font-weight: 600;
    color: var(--navy); margin-bottom: 8px;
    transition: color 0.3s;
  }
  .service-card h3 {
    font-family: 'Playfair Display', serif;
    font-size: 1.1rem; font-weight: 400;
    color: var(--navy); margin-bottom: 20px;
    transition: color 0.3s;
  }
  .service-card p {
    font-size: 0.875rem; line-height: 1.7; color: var(--text-body);
    transition: color 0.3s;
  }

  /* ── MISSION STRIP ── */
  .mission-strip {
    background: var(--gold);
    padding: 80px 56px;
    display: grid; grid-template-columns: 1fr 1fr; gap: 80px; align-items: center;
  }
  .mission-strip h2 {
    font-family: 'Playfair Display', serif;
    font-size: clamp(2rem, 3vw, 2.8rem);
    font-weight: 500; line-height: 1.2; color: var(--navy);
  }
  .mission-strip p {
    font-size: 1rem; line-height: 1.8; color: var(--navy-mid);
  }
  .mission-strip p strong { color: var(--navy); font-weight: 600; }

  /* ── ECOSYSTEM ── */
  .ecosystem-section {
    background: var(--navy-mid);
    padding: 120px 56px;
  }
  .ecosystem-header { margin-bottom: 80px; max-width: 600px; }
  .ecosystem-header p {
    font-size: 1rem; line-height: 1.8; color: var(--gray);
    margin-top: 32px;
  }
  .ecosystem-steps {
    display: grid; grid-template-columns: repeat(3, 1fr); gap: 0;
    border-top: 1px solid rgba(200,169,110,0.2);
  }
  .ecosystem-step {
    padding: 56px 40px 56px 0;
    border-right: 1px solid rgba(200,169,110,0.12);
    padding-right: 40px;
    margin-right: 0;
  }
  .ecosystem-step:last-child { border-right: none; padding-left: 40px; padding-right: 0; }
  .ecosystem-step:nth-child(2) { padding: 56px 40px; }
  .ecosystem-step-num {
    font-family: 'DM Mono', monospace;
    font-size: 0.65rem; letter-spacing: 0.18em;
    color: var(--gold); margin-bottom: 24px; display: block;
  }
  .ecosystem-step h3 {
    font-family: 'Playfair Display', serif;
    font-size: 1.3rem; font-weight: 500;
    color: var(--white); margin-bottom: 16px;
  }
  .ecosystem-step p {
    font-size: 0.875rem; line-height: 1.75; color: var(--gray);
  }

  /* ── MERCHANT OUTLOOK ── */
  .merchant-section {
    background: var(--cream);
    padding: 120px 56px;
    display: grid; grid-template-columns: 1fr 1fr; gap: 80px; align-items: center;
  }
  .merchant-left {}
  .merchant-left p {
    font-size: 1rem; line-height: 1.8; color: var(--text-body);
    margin-top: 24px; margin-bottom: 32px;
  }
  .merchant-left .highlight-box {
    background: var(--navy);
    padding: 32px 36px;
    border-left: 3px solid var(--gold);
  }
  .merchant-left .highlight-box p {
    color: var(--gray-light); margin: 0; font-style: italic;
  }
  .merchant-right {
    background: var(--navy);
    aspect-ratio: 4/3;
    position: relative; overflow: hidden;
    display: flex; align-items: center; justify-content: center;
  }
  .video-placeholder {
    display: flex; flex-direction: column; align-items: center; gap: 20px;
    width: 100%;
  }
  .video-thumb-wrap { position: relative; width: 100%; height: 100%; }
  .video-thumb {
    display: block; width: 100%; height: 100%; object-fit: cover;
  }
  .play-btn {
    width: 72px; height: 72px; border-radius: 50%;
    background: var(--gold);
    position: absolute; left: 50%; top: 50%; transform: translate(-50%, -50%);
    display: flex; align-items: center; justify-content: center;
    cursor: pointer; transition: transform 0.2s, background 0.2s;
    box-shadow: 0 6px 18px rgba(10,29,54,0.35);
  }
  .play-btn:hover { transform: translate(-50%, -50%) scale(1.06); background: var(--gold-light); }
  .play-btn svg { fill: var(--navy); margin-left: 4px; }
  .video-label {
    font-size: 0.78rem; letter-spacing: 0.12em; text-transform: uppercase;
    color: var(--gray);
  }
  /* Modal / iframe styles for embedded player */
  .video-modal {
    position: fixed; inset: 0; display: flex; align-items: center; justify-content: center;
    background: rgba(0,0,0,0.75); z-index: 9999;
  }
  .video-modal .video-iframe-wrap {
    width: min(1100px, 92%); aspect-ratio: 16/9; background: #000; position: relative;
    box-shadow: 0 12px 48px rgba(0,0,0,0.6);
  }
  .video-modal .close-video {
    position: absolute; top: -42px; right: 0; background: transparent; border: 0; color: var(--white);
    font-size: 1rem; cursor: pointer;
  }
  .video-modal iframe { width: 100%; height: 100%; border: 0; display: block; }
  .merchant-bg-text {
    position: absolute; bottom: -20px; right: -10px;
    font-family: 'Playfair Display', serif;
    font-size: 7rem; font-weight: 700; color: rgba(200,169,110,0.06);
    line-height: 1; pointer-events: none; user-select: none;
  }

  /* ── CTA ── */
  .cta-section {
    background: var(--navy);
    padding: 120px 56px;
    text-align: center;
    position: relative; overflow: hidden;
  }
  .cta-section::before {
    content: '';
    position: absolute; top: 50%; left: 50%; transform: translate(-50%, -50%);
    width: 600px; height: 600px; border-radius: 50%;
    background: radial-gradient(circle, rgba(200,169,110,0.06) 0%, transparent 70%);
    pointer-events: none;
  }
  .cta-section h2 {
    font-family: 'Playfair Display', serif;
    font-size: clamp(2.5rem, 4vw, 3.8rem);
    font-weight: 500; line-height: 1.15; color: var(--white);
    max-width: 700px; margin: 0 auto 32px;
  }
  .cta-section h2 em { font-style: italic; color: var(--gold); }
  .cta-section p {
    font-size: 1rem; color: var(--gray); max-width: 480px;
    margin: 0 auto 48px; line-height: 1.7;
  }
  .cta-buttons { display: flex; justify-content: center; gap: 16px; flex-wrap: wrap; }
  .btn-primary {
    background: var(--gold); color: var(--navy);
    padding: 16px 40px; font-size: 0.8rem; font-weight: 700;
    letter-spacing: 0.12em; text-transform: uppercase;
    text-decoration: none; border: none; cursor: pointer;
    transition: background 0.2s, transform 0.2s;
    display: inline-block;
  }
  .btn-primary:hover { background: var(--gold-light); transform: translateY(-1px); }
  .btn-secondary {
    background: transparent; color: var(--white);
    padding: 16px 40px; font-size: 0.8rem; font-weight: 500;
    letter-spacing: 0.12em; text-transform: uppercase;
    text-decoration: none; border: 1px solid rgba(255,255,255,0.25); cursor: pointer;
    transition: border-color 0.2s, color 0.2s;
    display: inline-block;
  }
  .btn-secondary:hover { border-color: var(--gold); color: var(--gold); }

  /* ── FOOTER ── */
  footer {
    background: #080f18;
    padding: 64px 56px 40px;
    display: grid; grid-template-columns: 2fr 1fr 1fr; gap: 60px;
  }
  .footer-brand {}
  .footer-logo {
    font-family: 'Playfair Display', serif;
    font-size: 1.15rem; font-weight: 700; color: var(--white); margin-bottom: 16px;
  }
  .footer-logo span { color: var(--gold); }
  .footer-logo img {
    display: block;
    height: 58px;
    width: auto;
    margin-top: 0;
  }
  .footer-tagline {
    font-size: 0.78rem; letter-spacing: 0.1em; text-transform: uppercase;
    color: var(--gray); margin-bottom: 24px;
  }
  .footer-address { font-size: 0.85rem; color: var(--gray); line-height: 1.8; }
  .footer-address strong { color: var(--gray-light); }
  .footer-col h4 {
    font-size: 0.7rem; font-weight: 600; letter-spacing: 0.15em;
    text-transform: uppercase; color: var(--gold); margin-bottom: 24px;
  }
  .footer-col ul { list-style: none; }
  .footer-col ul li { margin-bottom: 12px; }
  .footer-col ul a {
    font-size: 0.85rem; color: var(--gray); text-decoration: none; transition: color 0.2s;
  }
  .footer-col ul a:hover { color: var(--white); }
  .footer-bottom {
    background: #080f18;
    padding: 24px 56px;
    border-top: 1px solid rgba(200,169,110,0.1);
    display: flex; justify-content: space-between; align-items: center;
  }
  .footer-bottom p { font-size: 0.78rem; color: var(--gray); }
  .footer-phone {
    font-family: 'DM Mono', monospace;
    font-size: 0.82rem; color: var(--gold); text-decoration: none;
  }

  @media (max-width: 900px) {
    nav {
      padding: 0 24px;
      min-height: 92px;
    }
    .site-nav { flex-wrap: wrap; }
    .nav-tagline { display: none; }
    .nav-toggle { display: inline-flex; }
    .nav-links {
      display: none;
      position: absolute;
      top: 100%;
      left: 0;
      right: 0;
      flex-direction: column;
      gap: 16px;
      padding: 16px 24px 24px;
      background: rgba(13,27,42,0.98);
      border-top: 1px solid rgba(200,169,110,0.16);
    }
    .nav-links.is-open { display: flex; }
    .nav-links a { font-size: 0.72rem; }

    .hero,
    .stats-bar,
    section,
    .mission-strip,
    .cta-section,
    footer {
      padding-left: 24px;
      padding-right: 24px;
    }

    .hero {
      min-height: auto;
      padding-top: 120px;
      padding-bottom: 80px;
    }
    .hero-scroll { display: none; }

    .stats-bar {
      grid-template-columns: repeat(2, minmax(0, 1fr));
      padding: 0 24px;
    }
    .stat-item {
      padding: 32px 16px;      padding-inline: 16px;      border-right: 0;
      border-bottom: 1px solid rgba(200,169,110,0.12);
    }
    .stat-item:nth-child(odd) { border-right: 1px solid rgba(200,169,110,0.12); }
    .stat-item:nth-child(3), .stat-item:nth-child(4) { border-bottom: 0; }

    .who-we-are,
    .services-header,
    .mission-strip,
    .merchant-section,
    footer {
      grid-template-columns: 1fr;
      gap: 40px;
    }

    .values-grid {
      grid-template-columns: repeat(2, minmax(0, 1fr));
    }
    .services-grid {
      grid-template-columns: 1fr;
    }
    .ecosystem-steps {
      grid-template-columns: 1fr;
      border-top: 0;
    }
    .ecosystem-step {
      padding: 32px 0;
      border-right: 0;
      border-bottom: 1px solid rgba(200,169,110,0.12);
    }
    .ecosystem-step:last-child {
      padding-left: 0;
      padding-right: 0;
      border-bottom: 0;
    }
    .ecosystem-step:nth-child(2) { padding: 32px 0; }

    footer {
      gap: 32px;
    }
  }

  @media (max-width: 640px) {
    nav {
      padding: 0 18px;
    }
    .nav-logo img {
      height: 40px;
      margin-top: 0;
    }
    .footer-logo img {
      height: 40px;
    }
    .hero,
    section,
    .mission-strip,
    .cta-section,
    footer {
      padding-left: 18px;
      padding-right: 18px;
    }
    .hero h1 {
      font-size: clamp(2.2rem, 8vw, 3rem);
    }
    .hero-sub {
      font-size: 1rem;
    }

    .stats-bar {
      grid-template-columns: 1fr;
      padding: 0 18px;
    }
    .stat-item {
      padding: 32px 16px;
      padding-inline: 16px;
    }
    .stat-item:first-child {
      padding-left: 16px;
    }
    .stat-item,
    .stat-item:nth-child(odd) {
      border-right: 0;
      border-bottom: 1px solid rgba(200,169,110,0.12);
    }
    .stat-item:last-child { border-bottom: 0; }

    .values-grid {
      grid-template-columns: 1fr;
    }
    .who-right {
      padding: 36px 24px;
    }
    .who-quote {
      font-size: 1.1rem;
    }
    .cta-buttons {
      flex-direction: column;
      align-items: stretch;
    }
    .btn-primary,
    .btn-secondary {
      width: 100%;
      text-align: center;
    }
  }

  /* ── ANIMATIONS ── */
  @keyframes fadeUp {
    from { opacity: 0; transform: translateY(24px); }
    to { opacity: 1; transform: translateY(0); }
  }
  @keyframes pulse-bar {
    0%, 100% { opacity: 1; transform: scaleY(1); }
    50% { opacity: 0.4; transform: scaleY(0.6); }
  }

  .reveal {
    opacity: 0; transform: translateY(28px);
    transition: opacity 0.7s ease, transform 0.7s ease;
  }
  .reveal.visible { opacity: 1; transform: translateY(0); }
  .reveal-delay-1 { transition-delay: 0.1s; }
  .reveal-delay-2 { transition-delay: 0.2s; }
  .reveal-delay-3 { transition-delay: 0.3s; }
  .reveal-delay-4 { transition-delay: 0.4s; }