/* ═══════════════════════════════════════════════════
   PAMGIA — Scroll-Driven Landing Page
   ═══════════════════════════════════════════════════ */

/* ── Design Tokens ── */
:root {
  --brand-red: #e74132;
  --brand-red-glow: rgba(231, 65, 50, 0.25);
  --bg-cold: #0A0A0A;
  --bg-warm: #1A0F0A;
  --bg-warm-mid: #140C08;
  --text-primary: #F5F0EB;
  --text-muted: rgba(245, 240, 235, 0.45);
  --text-dim: rgba(245, 240, 235, 0.18);
  --font-display: 'Montserrat', -apple-system, sans-serif;
  --font-accent: 'DM Serif Display', Georgia, serif;
  --font-body: 'Montserrat', -apple-system, sans-serif;
  --ease-out: cubic-bezier(0.16, 1, 0.3, 1);
  --ease-spring: cubic-bezier(0.34, 1.56, 0.64, 1);
}

/* ── Reset ── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { -webkit-font-smoothing: antialiased; -moz-osx-font-smoothing: grayscale; }

body {
  background: var(--bg-cold);
  color: var(--text-primary);
  font-family: var(--font-body);
  font-weight: 400;
  line-height: 1.7;
  overflow-x: hidden;
}

a { color: inherit; text-decoration: none; }
img { display: block; max-width: 100%; }

/* ── SVG Noise Texture (used as overlay on warm sections) ── */
.noise-overlay::after {
  content: '';
  position: absolute;
  inset: 0;
  opacity: 0.035;
  background-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 256 256' xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='noise'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.9' numOctaves='4' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23noise)'/%3E%3C/svg%3E");
  background-size: 256px 256px;
  pointer-events: none;
  z-index: 1;
}

/* ═══════════════════════════════════════════════════
   VIDEO LOADING INDICATOR
   Subtle bar shown only if user scrolls before video
   is ready. Replaces the old full-screen blocker.
   ═══════════════════════════════════════════════════ */
.video-loader {
  position: fixed;
  bottom: 2.5rem;
  left: 50%;
  transform: translateX(-50%);
  z-index: 200;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 0.6rem;
  opacity: 1;
  transition: opacity 0.5s var(--ease-out);
}
.video-loader.hidden {
  opacity: 0;
  pointer-events: none;
}
.video-loader-track {
  width: 140px;
  height: 2px;
  background: rgba(245, 240, 235, 0.08);
  border-radius: 1px;
  overflow: hidden;
}
.video-loader-bar {
  width: 0%;
  height: 100%;
  background: var(--brand-red);
  border-radius: 1px;
  transition: width 0.15s linear;
}
.video-loader-text {
  font-family: var(--font-body);
  font-size: 0.65rem;
  font-weight: 500;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--text-muted);
}

/* ═══════════════════════════════════════════════════
   NAVIGATION
   ═══════════════════════════════════════════════════ */
.site-header {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 100;
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 1.5rem 3vw;
  mix-blend-mode: difference;
}
.header-logo img {
  width: 28px;
  height: 28px;
  opacity: 0.9;
  transition: opacity 0.3s var(--ease-out);
}
.header-logo:hover img,
.header-logo:focus-visible img {
  opacity: 1;
}
.header-nav {
  display: flex;
  gap: 2.5rem;
}
.nav-link {
  font-family: var(--font-body);
  font-size: 0.75rem;
  font-weight: 500;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--text-primary);
  opacity: 0.65;
  transition: opacity 0.3s var(--ease-out);
}
.nav-link:hover,
.nav-link:focus-visible {
  opacity: 1;
}
.nav-link:active {
  opacity: 0.8;
}
.nav-link:focus-visible {
  outline: 1px solid var(--brand-red);
  outline-offset: 4px;
}

/* ── Hamburger Toggle (hidden on desktop) ── */
.nav-toggle {
  display: none;
  background: none;
  border: none;
  cursor: pointer;
  padding: 6px;
  z-index: 110;
  flex-direction: column;
  gap: 6px;
  align-items: center;
  justify-content: center;
}
.nav-toggle-bar {
  display: block;
  width: 22px;
  height: 1.5px;
  background: var(--text-primary);
  border-radius: 1px;
  transition: transform 0.3s var(--ease-out), opacity 0.3s var(--ease-out);
}
.nav-toggle.active .nav-toggle-bar:first-child {
  transform: translateY(3.75px) rotate(45deg);
}
.nav-toggle.active .nav-toggle-bar:last-child {
  transform: translateY(-3.75px) rotate(-45deg);
}

/* ═══════════════════════════════════════════════════
   HERO (standalone 100vh, no canvas)
   ═══════════════════════════════════════════════════ */
.hero-standalone {
  position: relative;
  width: 100%;
  height: 100vh;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  background: var(--bg-cold);
  z-index: 2;
  overflow: hidden;
}
.hero-standalone::before {
  content: '';
  position: absolute;
  inset: 0;
  background: url('../assets/hero-bg.jpg') center/cover no-repeat;
  opacity: 0.15;
  z-index: 0;
  pointer-events: none;
}
.hero-heading {
  position: relative;
  z-index: 1;
  font-family: var(--font-accent);
  font-size: clamp(4rem, 12vw, 10rem);
  font-weight: 400;
  letter-spacing: 0.03em;
  line-height: 0.9;
  color: var(--text-primary);
  text-align: center;
  opacity: 0;
  transform: translateY(30px);
}
.hero-tagline {
  position: relative;
  z-index: 1;
  font-family: var(--font-body);
  font-size: clamp(0.9rem, 1.8vw, 1.2rem);
  font-weight: 500;
  letter-spacing: 0.08em;
  color: var(--brand-red);
  margin-top: 1.5rem;
  opacity: 0;
  transform: translateY(20px);
}
/* Scroll indicator */
.scroll-indicator {
  position: absolute;
  z-index: 1;
  bottom: 3rem;
  left: 50%;
  transform: translateX(-50%);
  opacity: 0;
}
.scroll-line {
  width: 1px;
  height: 48px;
  background: linear-gradient(to bottom, var(--text-muted), transparent);
  animation: scrollPulse 2s ease-in-out infinite;
}
@keyframes scrollPulse {
  0%, 100% { opacity: 0.3; transform: scaleY(0.6); transform-origin: top; }
  50% { opacity: 0.7; transform: scaleY(1); transform-origin: top; }
}
/* Loading state: faster pulse when scroll is locked */
.scroll-indicator.loading .scroll-line {
  animation: scrollLoading 1s ease-in-out infinite;
}
@keyframes scrollLoading {
  0%, 100% { opacity: 0.15; transform: scaleY(0.4); transform-origin: top; }
  50% { opacity: 0.5; transform: scaleY(0.8); transform-origin: top; }
}

/* ═══════════════════════════════════════════════════
   CANVAS
   ═══════════════════════════════════════════════════ */
.canvas-wrap {
  position: fixed;
  top: 0;
  left: 0;
  width: 100vw;
  height: 100vh;
  z-index: 1;
  opacity: 0;
  clip-path: circle(0% at 50% 50%);
  will-change: opacity, clip-path;
}
.scroll-canvas {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
}

/* ═══════════════════════════════════════════════════
   BARREL TINT (persistent dark vignette over video)
   ═══════════════════════════════════════════════════ */
#barrel-tint {
  position: absolute;
  inset: 0;
  pointer-events: none;
  z-index: 2;
  opacity: 0;
  will-change: opacity;
  background: radial-gradient(
    ellipse 90% 90% at 50% 50%,
    rgba(10, 10, 10, 0.45) 0%,
    rgba(10, 10, 10, 0.2) 35%,
    rgba(10, 10, 10, 0.55) 100%
  );
}

/* ═══════════════════════════════════════════════════
   BACKGROUND COLOR LAYER (composited, avoids body repaints)
   ═══════════════════════════════════════════════════ */
.bg-color-layer {
  position: fixed;
  inset: 0;
  z-index: 0;
  opacity: 0;
  pointer-events: none;
  will-change: opacity;
}

/* ═══════════════════════════════════════════════════
   DARK OVERLAY (for stats)
   ═══════════════════════════════════════════════════ */
.dark-overlay {
  position: fixed;
  inset: 0;
  background: rgba(10, 10, 10, 1);
  z-index: 10;
  opacity: 0;
  pointer-events: none;
  will-change: opacity, transform;
  transform-origin: top center;
}
.dark-overlay::after {
  content: '';
  position: absolute;
  bottom: -40px;
  left: 0;
  right: 0;
  height: 40px;
  background: linear-gradient(to bottom, rgba(10,10,10,0.7), transparent);
  opacity: 0;
  pointer-events: none;
}
.dark-overlay.curtain-lifting::after {
  opacity: 1;
}

/* ═══════════════════════════════════════════════════
   MARQUEE
   ═══════════════════════════════════════════════════ */
.marquee-wrap {
  position: fixed;
  top: 50%;
  left: 0;
  width: 100%;
  transform: translateY(-50%);
  z-index: 2;
  pointer-events: none;
  opacity: 0;
  overflow: hidden;
}
.marquee-text {
  font-family: var(--font-display);
  font-size: clamp(6rem, 14vw, 12rem);
  font-weight: 800;
  letter-spacing: -0.02em;
  line-height: 1;
  color: var(--text-dim);
  white-space: nowrap;
  will-change: transform;
}

/* ═══════════════════════════════════════════════════
   SCROLL CONTAINER + SECTIONS
   ═══════════════════════════════════════════════════ */
.scroll-container {
  position: relative;
  height: 700vh;
  z-index: 5;
}

.scroll-section {
  position: fixed;
  top: 0;
  left: 0;
  width: 100%;
  height: 100vh;
  display: flex;
  align-items: center;
  pointer-events: none;
  opacity: 0;
  z-index: 5;
  will-change: opacity, transform;
}

/* Side alignment */
.align-left {
  padding-left: 5vw;
  padding-right: 55vw;
  justify-content: flex-start;
}
.align-right {
  padding-left: 55vw;
  padding-right: 5vw;
  justify-content: flex-end;
}
.section-inner {
  max-width: 40vw;
}

/* ── Text readability backdrops (pseudo-element, toggled via .bg-active) ── */
.align-left .section-inner {
  position: relative;
  padding: 3rem 5rem 3rem 3rem;
  border-radius: 6px;
}
.align-left .section-inner::before {
  content: '';
  position: absolute;
  inset: 0;
  border-radius: 6px;
  pointer-events: none;
  z-index: -1;
  opacity: 0;
  transition: opacity 0.4s ease;
  background:
    radial-gradient(ellipse 130% 150% at 0% 50%, rgba(10, 10, 10, 0.96) 0%, rgba(10, 10, 10, 0.7) 50%, transparent 85%),
    linear-gradient(100deg, rgba(10, 10, 10, 0.92) 0%, rgba(10, 10, 10, 0.6) 60%, transparent 100%);
}
.align-right .section-inner {
  position: relative;
  padding: 3rem 3rem 3rem 5rem;
  border-radius: 6px;
}
.align-right .section-inner::before {
  content: '';
  position: absolute;
  inset: 0;
  border-radius: 6px;
  pointer-events: none;
  z-index: -1;
  opacity: 0;
  transition: opacity 0.4s ease;
  background:
    radial-gradient(ellipse 130% 150% at 100% 50%, rgba(10, 10, 10, 0.96) 0%, rgba(10, 10, 10, 0.7) 50%, transparent 85%),
    linear-gradient(260deg, rgba(10, 10, 10, 0.92) 0%, rgba(10, 10, 10, 0.6) 60%, transparent 100%);
}
.section-inner.bg-active::before {
  opacity: 1;
}

/* ── Section Typography ── */
.section-heading {
  font-family: var(--font-display);
  font-size: clamp(2.2rem, 4.5vw, 4rem);
  font-weight: 700;
  letter-spacing: -0.03em;
  line-height: 1.05;
  color: var(--text-primary);
  margin-bottom: 1.5rem;
}

/* Scroll-overlay headings: bolder with depth shadow for contrast over video */
.scroll-section .section-heading {
  font-weight: 800;
  letter-spacing: -0.04em;
  text-shadow:
    0 2px 16px rgba(0, 0, 0, 0.7),
    0 4px 32px rgba(0, 0, 0, 0.4),
    0 0 60px rgba(0, 0, 0, 0.25);
}

/* Brand-red accent for key words in headings */
.heading-accent {
  color: var(--brand-red);
}
.section-body {
  font-family: var(--font-body);
  font-size: clamp(0.9rem, 1.1vw, 1.05rem);
  font-weight: 400;
  line-height: 1.7;
  color: var(--text-muted);
  max-width: 36ch;
}

/* ═══════════════════════════════════════════════════
   STATS
   ═══════════════════════════════════════════════════ */
.section-stats {
  flex-direction: column;
  justify-content: center;
  align-items: center;
  z-index: 4;
  text-align: center;
}
.glass-stats {
  text-align: center;
}
.stats-context {
  font-family: var(--font-accent);
  font-size: 2rem;
  font-weight: 400;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: rgba(245, 240, 235, 0.92);
  text-align: center;
  margin-bottom: 2.5rem;
  display: block;
  position: relative;
  text-shadow: 0 0 30px rgba(231, 65, 50, 0.2), 0 1px 6px rgba(0, 0, 0, 0.5);
}
.stats-context::after {
  content: '';
  display: block;
  width: 4.5rem;
  height: 2px;
  background: var(--brand-red);
  margin: 0.75rem auto 0;
  opacity: 1;
}
.glass-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.25rem;
  max-width: 1000px;
  width: 90vw;
  text-align: center;
}
.glass-card {
  position: relative;
  padding: 2.5rem 1.5rem 2rem;
  background: rgba(10, 8, 6, 0.92);
  border: 1px solid rgba(245, 240, 235, 0.12);
  border-radius: 12px;
  text-align: center;
  transition: transform 0.4s cubic-bezier(0.16, 1, 0.3, 1), border-color 0.4s ease, box-shadow 0.4s ease;
  overflow: hidden;
  box-shadow: 0 4px 24px rgba(0, 0, 0, 0.4);
}
.glass-card:hover {
  transform: translateY(-4px);
  border-color: rgba(245, 240, 235, 0.12);
  box-shadow: 0 12px 40px rgba(0, 0, 0, 0.3);
}
.glass-card .glow-effect {
  --glow-spread: 60;
  --glow-border-width: 3px;
}
.glass-card .stat-number {
  font-family: var(--font-accent);
  font-size: 3.5rem;
  font-weight: 400;
  color: var(--brand-red);
  line-height: 1;
  text-shadow: 0 0 40px rgba(231, 65, 50, 0.3), 0 0 80px rgba(231, 65, 50, 0.1);
}
.glass-card .stat-rule {
  display: block;
  width: 1.5rem;
  height: 2px;
  background: linear-gradient(90deg, var(--brand-red), transparent);
  margin: 1rem auto 0.85rem;
  opacity: 0.5;
}
.glass-card .stat-label {
  font-size: 0.88rem;
  font-weight: 400;
  line-height: 1.6;
  letter-spacing: 0.03em;
  color: rgba(245, 240, 235, 0.85);
}

/* ═══════════════════════════════════════════════════
   WARM TRANSITION ZONE
   ═══════════════════════════════════════════════════ */
.warm-transition {
  height: 0;
  background: var(--bg-warm);
  position: relative;
  z-index: 5;
}

/* ═══════════════════════════════════════════════════
   POST-CANVAS STATIC SECTIONS
   ═══════════════════════════════════════════════════ */
.static-section {
  position: relative;
  z-index: 5;
}
.section-warm {
  background: var(--bg-warm);
  position: relative;
}
.section-warm::after {
  content: '';
  position: absolute;
  inset: 0;
  opacity: 0.03;
  background-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 256 256' xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='noise'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.85' numOctaves='4' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23noise)'/%3E%3C/svg%3E");
  background-size: 256px 256px;
  pointer-events: none;
  z-index: 0;
}
.section-container {
  position: relative;
  z-index: 1;
  max-width: 1100px;
  margin: 0 auto;
  padding: 8rem 5vw;
}

/* ── Feature Cards ── */
.features-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 2.5rem;
  margin-top: 3.5rem;
}
.feature {
  position: relative;
  padding: 2.5rem;
  background: rgba(245, 240, 235, 0.03);
  border: 1px solid rgba(245, 240, 235, 0.06);
  border-radius: 0.75rem;
  transition: transform 0.4s var(--ease-out), border-color 0.4s var(--ease-out);
}
.feature:hover {
  border-color: rgba(231, 65, 50, 0.15);
  transform: translateY(-2px);
}
.feature-title {
  font-family: var(--font-display);
  font-size: 1.25rem;
  font-weight: 600;
  letter-spacing: -0.01em;
  color: var(--text-primary);
  margin-bottom: 0.75rem;
}
.feature-desc {
  font-family: var(--font-body);
  font-size: 0.9rem;
  font-weight: 400;
  line-height: 1.7;
  color: var(--text-muted);
}

/* ═══════════════════════════════════════════════════
   BENTO GRID SYSTEM
   ═══════════════════════════════════════════════════ */
.bento-grid {
  display: grid;
  grid-template-columns: repeat(6, 1fr);
  gap: 1.5rem;
  margin-top: 3.5rem;
}

/* ── Column Spans ── */
.bento-card-lg   { grid-column: span 4; }
.bento-card-sm   { grid-column: span 2; }
.bento-card-md   { grid-column: span 2; }
.bento-card-half { grid-column: span 3; }
.bento-card-full { grid-column: span 6; }

/* ── Base Card ── */
.bento-card {
  position: relative;
  padding: 2.5rem;
  background: rgba(245, 240, 235, 0.025);
  border: 1px solid rgba(245, 240, 235, 0.06);
  border-radius: 0.75rem;
  overflow: hidden;
  display: flex;
  flex-direction: column;
  transition: transform 0.5s var(--ease-spring), box-shadow 0.5s var(--ease-out), border-color 0.4s var(--ease-out);
}
.bento-card:hover {
  transform: scale(1.02);
  border-color: rgba(231, 65, 50, 0.12);
  box-shadow: 0 12px 40px rgba(0, 0, 0, 0.4), 0 0 0 1px rgba(231, 65, 50, 0.06);
}
.bento-card-lg {
  padding: 3rem;
  background: rgba(245, 240, 235, 0.035);
}

/* ── Card Content ── */
.bento-visual {
  flex: 1;
  min-height: 120px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 2rem;
  position: relative;
}
.bento-title {
  font-family: var(--font-display);
  font-size: 1.25rem;
  font-weight: 600;
  letter-spacing: -0.01em;
  color: var(--text-primary);
  margin-bottom: 0.5rem;
}
.bento-card-lg .bento-title {
  font-size: 1.4rem;
}
.bento-card-full .bento-title {
  font-size: 1.4rem;
}
.bento-desc {
  font-family: var(--font-body);
  font-size: 0.88rem;
  font-weight: 400;
  line-height: 1.65;
  color: var(--text-muted);
}

/* ═══════════════════════════════════════════════════
   BENTO VISUAL ELEMENTS
   ═══════════════════════════════════════════════════ */

/* ── LTV Bar Chart (Borrowers Card 1) ── */
.ltv-chart {
  width: 100%;
  max-width: 360px;
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
}
.ltv-row {
  display: flex;
  align-items: center;
  gap: 1rem;
}
.ltv-label {
  font-family: var(--font-body);
  font-size: 0.82rem;
  font-weight: 500;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--text-muted);
  width: 5.5rem;
  flex-shrink: 0;
  text-align: right;
}
.ltv-track {
  flex: 1;
  height: 28px;
  background: rgba(245, 240, 235, 0.04);
  border-radius: 4px;
  position: relative;
  overflow: hidden;
}
.ltv-fill {
  height: 100%;
  border-radius: 4px;
  display: flex;
  align-items: center;
  justify-content: flex-end;
  padding-right: 0.75rem;
  font-family: var(--font-display);
  font-size: 0.8rem;
  font-weight: 700;
  color: var(--text-primary);
  transition: width 1.2s var(--ease-out);
}
.ltv-fill-bank {
  width: 20%;
  background: rgba(245, 240, 235, 0.08);
  color: var(--text-muted);
}
.ltv-fill-pamgia {
  width: 100%;
  background: linear-gradient(90deg, rgba(231, 65, 50, 0.6), var(--brand-red));
  box-shadow: 0 0 20px rgba(231, 65, 50, 0.3), inset 0 1px 0 rgba(255, 255, 255, 0.1);
}
.ltv-note {
  font-family: var(--font-body);
  font-size: 0.8rem;
  color: var(--text-muted);
  margin-top: 1rem;
  text-align: center;
  opacity: 0.7;
  letter-spacing: 0.03em;
}

/* ── Big Metric (Borrowers Card 2 — <7 days) ── */
.big-metric {
  text-align: center;
}
.big-metric-number {
  font-family: var(--font-accent);
  font-size: clamp(3.5rem, 5vw, 5rem);
  font-weight: 400;
  line-height: 1;
  color: var(--brand-red);
  text-shadow: 0 0 40px rgba(231, 65, 50, 0.3);
}
.big-metric-unit {
  font-family: var(--font-body);
  font-size: 0.85rem;
  font-weight: 500;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--text-muted);
  margin-top: 0.5rem;
  display: block;
}

/* ── Timeline (Borrowers Card 3) ── */
.timeline-visual {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0;
  width: 100%;
  max-width: 240px;
  position: relative;
}
.timeline-line {
  position: absolute;
  top: 50%;
  left: 12%;
  right: 12%;
  height: 2px;
  background: linear-gradient(90deg, rgba(245, 240, 235, 0.08), rgba(231, 65, 50, 0.3), rgba(231, 65, 50, 0.5));
  transform: translateY(-50%);
  z-index: 0;
}
.timeline-point {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 0.6rem;
  flex: 1;
  z-index: 1;
}
.timeline-dot {
  width: 12px;
  height: 12px;
  border-radius: 50%;
  border: 2px solid rgba(245, 240, 235, 0.15);
  background: var(--bg-warm);
  transition: border-color 0.3s, background 0.3s;
}
.timeline-point:last-child .timeline-dot {
  border-color: var(--brand-red);
  background: rgba(231, 65, 50, 0.2);
  box-shadow: 0 0 12px rgba(231, 65, 50, 0.3);
}
.timeline-year {
  font-family: var(--font-body);
  font-size: 0.68rem;
  font-weight: 500;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--text-muted);
}

/* ── Mini Dashboard (Borrowers Card 4) ── */
.mini-dashboard {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1px;
  width: 100%;
  max-width: 420px;
  background: rgba(245, 240, 235, 0.04);
  border-radius: 8px;
  overflow: hidden;
  border: 1px solid rgba(245, 240, 235, 0.06);
}
.dash-stat {
  padding: 1.25rem 1rem;
  background: rgba(26, 15, 10, 0.8);
  text-align: center;
  display: flex;
  flex-direction: column;
  gap: 0.35rem;
}
.dash-value {
  font-family: var(--font-display);
  font-size: 1.3rem;
  font-weight: 700;
  color: var(--text-primary);
  letter-spacing: -0.01em;
}
.dash-label {
  font-family: var(--font-body);
  font-size: 0.75rem;
  font-weight: 500;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--text-muted);
}

/* ── Compound Ticker (Borrowers Card 4, 3rd stat) ── */
.dash-stat-ticker {
  justify-content: center;
}
.compound-ticker {
  height: 1.6rem;
  overflow: hidden;
  position: relative;
  width: 100%;
}
.compound-ticker::before,
.compound-ticker::after {
  content: '';
  position: absolute;
  left: 0;
  right: 0;
  height: 6px;
  z-index: 1;
  pointer-events: none;
}
.compound-ticker::before {
  top: 0;
  background: linear-gradient(to bottom, rgba(26, 15, 10, 0.8), transparent);
}
.compound-ticker::after {
  bottom: 0;
  background: linear-gradient(to top, rgba(26, 15, 10, 0.8), transparent);
}
.compound-ticker-track {
  display: flex;
  flex-direction: column;
  animation: ticker-scroll 8s cubic-bezier(0.4, 0, 0.2, 1) infinite;
}
.compound-ticker-item {
  font-family: var(--font-accent);
  font-size: 1.1rem;
  color: var(--text-primary);
  height: 1.6rem;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  white-space: nowrap;
}
@keyframes ticker-scroll {
  0%, 18%   { transform: translateY(0); }
  25%, 43%  { transform: translateY(-1.6rem); }
  50%, 68%  { transform: translateY(-3.2rem); }
  75%, 93%  { transform: translateY(-4.8rem); }
  100%      { transform: translateY(-6.4rem); }
}

/* ── Appreciation Line (Investors Card 1) ── */
.appreciation-visual {
  width: 100%;
  max-width: 180px;
  height: 100px;
  position: relative;
}
.appreciation-line {
  position: absolute;
  bottom: 10%;
  left: 5%;
  width: 90%;
  height: 80%;
  border-bottom: 2px solid rgba(245, 240, 235, 0.06);
  border-left: 2px solid rgba(245, 240, 235, 0.06);
}
.appreciation-curve {
  position: absolute;
  bottom: 0;
  left: 0;
  width: 100%;
  height: 100%;
}
.appreciation-curve svg {
  width: 100%;
  height: 100%;
}

/* ── Visibility Grid (Investors Card 2) ── */
.visibility-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  grid-template-rows: repeat(3, 1fr);
  gap: 6px;
  width: 100%;
  max-width: 160px;
}
.vis-tile {
  aspect-ratio: 1;
  border-radius: 4px;
  background: var(--brand-red);
  transition: opacity 0.3s;
}

/* ── Liquidity Circles (Investors Card 3) ── */
.liquidity-visual {
  position: relative;
  width: 120px;
  height: 80px;
}
.liquidity-circle {
  position: absolute;
  width: 70px;
  height: 70px;
  border-radius: 50%;
  border: 2px solid rgba(231, 65, 50, 0.3);
  background: rgba(231, 65, 50, 0.06);
  top: 50%;
  transform: translateY(-50%);
}
.liquidity-circle:first-child { left: 0; }
.liquidity-circle:last-child { right: 0; }

/* ── Fee Comparison (Investors Card 4) ── */
.fee-comparison {
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
  width: 100%;
  align-items: center;
}
.fee-old {
  font-family: var(--font-body);
  font-size: 0.85rem;
  font-weight: 400;
  color: var(--text-muted);
  text-decoration: line-through;
  text-decoration-color: rgba(231, 65, 50, 0.5);
  opacity: 0.6;
  text-align: center;
  line-height: 1.6;
}
.fee-new {
  font-family: var(--font-display);
  font-size: 1.1rem;
  font-weight: 600;
  color: var(--brand-red);
  text-align: center;
  text-shadow: 0 0 30px rgba(231, 65, 50, 0.2);
}
.fee-arrow {
  width: 24px;
  height: 24px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--brand-red);
  opacity: 0.6;
}

/* ── Trust Icon Container ── */
.trust-icon-container {
  width: 72px;
  height: 72px;
  border-radius: 50%;
  background: rgba(231, 65, 50, 0.06);
  display: flex;
  align-items: center;
  justify-content: center;
  position: relative;
}
.trust-icon-container svg {
  width: 36px;
  height: 36px;
  color: var(--brand-red);
  opacity: 0.85;
}
.trust-icon-container::after {
  content: '';
  position: absolute;
  inset: -4px;
  border-radius: 50%;
  border: 1px solid rgba(231, 65, 50, 0.1);
  animation: trustPulse 3s ease-in-out infinite;
}
@keyframes trustPulse {
  0%, 100% { transform: scale(1); opacity: 0.5; }
  50% { transform: scale(1.15); opacity: 0; }
}

/* ── Verification Bars (Trust Card 3) ── */
.verify-comparison {
  display: flex;
  align-items: center;
  gap: 2rem;
  width: 100%;
  max-width: 600px;
}
.verify-side {
  flex: 1;
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
}
.verify-label {
  font-family: var(--font-body);
  font-size: 0.7rem;
  font-weight: 500;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--text-muted);
}
.verify-track {
  height: 8px;
  background: rgba(245, 240, 235, 0.04);
  border-radius: 4px;
  overflow: hidden;
}
.verify-fill {
  height: 100%;
  border-radius: 4px;
}
.verify-fill-industry {
  width: 5%;
  background: rgba(245, 240, 235, 0.15);
}
.verify-fill-pamgia {
  width: 100%;
  background: linear-gradient(90deg, rgba(231, 65, 50, 0.5), var(--brand-red));
  box-shadow: 0 0 16px rgba(231, 65, 50, 0.3);
}
.verify-multiplier {
  font-family: var(--font-accent);
  font-size: clamp(2.5rem, 4vw, 3.5rem);
  font-weight: 400;
  color: var(--brand-red);
  text-shadow: 0 0 30px rgba(231, 65, 50, 0.3);
  flex-shrink: 0;
  line-height: 1;
}
.verify-pct {
  font-family: var(--font-display);
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--text-primary);
  margin-top: 0.25rem;
}

/* ── Bento Responsive ── */
@media (max-width: 768px) {
  .bento-grid {
    grid-template-columns: 1fr;
    gap: 1.25rem;
  }
  .bento-card-lg,
  .bento-card-sm,
  .bento-card-md,
  .bento-card-half,
  .bento-card-full {
    grid-column: span 1;
  }
  .bento-card, .bento-card-lg {
    padding: 2rem;
  }
  .bento-visual {
    min-height: 90px;
  }
  .mini-dashboard {
    grid-template-columns: repeat(3, 1fr);
  }
  .verify-comparison {
    flex-direction: column;
    gap: 1.25rem;
  }
  .verify-multiplier {
    order: -1;
  }
}

/* ═══════════════════════════════════════════════════
   CTA SECTION + LAMP EFFECT
   ═══════════════════════════════════════════════════ */
.section-cta {
  background: var(--bg-warm);
  overflow: hidden;
  position: relative;
}

/* ── Lamp Container (absolute backdrop behind CTA) ── */
.lamp-container {
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 100%;
  overflow: hidden;
  pointer-events: none;
  z-index: 0;
}

/* ── Lamp Beam Stage ── */
.lamp-stage {
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 22rem;
  display: flex;
  align-items: center;
  justify-content: center;
  isolation: isolate;
}

/* ── Left Beam (conic gradient) ── */
.lamp-beam-left {
  position: absolute;
  right: 50%;
  top: 0;
  height: 14rem;
  overflow: visible;
  width: 15rem;
  opacity: 0.5;
  background-image: conic-gradient(from 70deg at center top, var(--brand-red), transparent, transparent);
}
.lamp-beam-left .lamp-mask-bottom {
  position: absolute;
  width: 100%;
  left: 0;
  height: 10rem;
  bottom: 0;
  z-index: 20;
  background: var(--bg-warm);
  -webkit-mask-image: linear-gradient(to top, white, transparent);
  mask-image: linear-gradient(to top, white, transparent);
}
.lamp-beam-left .lamp-mask-side {
  position: absolute;
  width: 10rem;
  height: 100%;
  left: 0;
  bottom: 0;
  z-index: 20;
  background: var(--bg-warm);
  -webkit-mask-image: linear-gradient(to right, white, transparent);
  mask-image: linear-gradient(to right, white, transparent);
}

/* ── Right Beam (mirrored) ── */
.lamp-beam-right {
  position: absolute;
  left: 50%;
  top: 0;
  height: 14rem;
  width: 15rem;
  opacity: 0.5;
  background-image: conic-gradient(from 290deg at center top, transparent, transparent, var(--brand-red));
}
.lamp-beam-right .lamp-mask-side {
  position: absolute;
  width: 10rem;
  height: 100%;
  right: 0;
  bottom: 0;
  z-index: 20;
  background: var(--bg-warm);
  -webkit-mask-image: linear-gradient(to left, white, transparent);
  mask-image: linear-gradient(to left, white, transparent);
}
.lamp-beam-right .lamp-mask-bottom {
  position: absolute;
  width: 100%;
  right: 0;
  height: 10rem;
  bottom: 0;
  z-index: 20;
  background: var(--bg-warm);
  -webkit-mask-image: linear-gradient(to top, white, transparent);
  mask-image: linear-gradient(to top, white, transparent);
}

/* ── Atmospheric layers ── */
.lamp-glow-wide {
  position: absolute;
  top: 10rem;
  left: 50%;
  transform: translateX(-50%);
  z-index: 50;
  height: 8rem;
  width: 28rem;
  border-radius: 9999px;
  background: var(--brand-red);
  opacity: 0;
  filter: blur(4rem);
}
.lamp-glow-core {
  position: absolute;
  top: 6rem;
  left: 50%;
  transform: translateX(-50%);
  z-index: 30;
  height: 8rem;
  width: 8rem;
  border-radius: 9999px;
  background: #ff6b5a;
  opacity: 0;
  filter: blur(2.5rem);
}
.lamp-line {
  position: absolute;
  top: 5.5rem;
  left: 50%;
  transform: translateX(-50%);
  z-index: 50;
  height: 2px;
  width: 15rem;
  background: linear-gradient(90deg, transparent, #ff6b5a, #e74132, #ff6b5a, transparent);
  opacity: 0;
}
.lamp-ceiling {
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 2rem;
  z-index: 40;
  background: linear-gradient(to bottom, var(--bg-warm), transparent);
}

/* ── Ambient glow that washes down into CTA content ── */
.lamp-ambient {
  position: absolute;
  top: 14rem;
  left: 50%;
  transform: translateX(-50%);
  width: 60%;
  height: 30rem;
  border-radius: 50%;
  background: radial-gradient(ellipse at center, rgba(231, 65, 50, 0.08) 0%, transparent 70%);
  pointer-events: none;
  z-index: 1;
}

/* ── CTA Content (normal flow, above lamp) ── */
.lamp-content {
  position: relative;
  z-index: 2;
  text-align: center;
  padding: 16rem 5vw 6rem;
  max-width: 1100px;
  margin: 0 auto;
}
.lamp-content .cta-heading {
  font-family: var(--font-accent);
  font-size: clamp(2.8rem, 6vw, 5.5rem);
  font-weight: 400;
  line-height: 1.05;
  letter-spacing: -0.02em;
  max-width: 22ch;
  margin: 0 auto 1.5rem;
}
.lamp-content .cta-body {
  max-width: 48ch;
  margin: 0 auto 3rem;
  color: var(--text-muted);
}
.lamp-content .cta-buttons {
  display: flex;
  gap: 1.5rem;
  justify-content: center;
  flex-wrap: wrap;
  margin-bottom: 2rem;
}
.cta-heading {
  font-family: var(--font-accent);
  font-size: clamp(2.8rem, 6vw, 5.5rem);
  font-weight: 400;
  line-height: 1.05;
  letter-spacing: -0.02em;
  max-width: 22ch;
  margin: 0 auto 1.5rem;
}
.cta-body {
  max-width: 48ch;
  margin: 0 auto 3rem;
  color: var(--text-muted);
}
.cta-buttons {
  display: flex;
  gap: 1.5rem;
  justify-content: center;
  flex-wrap: wrap;
  margin-bottom: 2rem;
}
.cta-btn {
  display: inline-block;
  padding: 1rem 2.5rem;
  font-family: var(--font-body);
  font-size: 0.85rem;
  font-weight: 600;
  letter-spacing: 0.06em;
  border-radius: 2px;
  transition: transform 0.3s var(--ease-out), box-shadow 0.3s var(--ease-out), background 0.3s var(--ease-out);
  cursor: pointer;
}
.cta-btn:focus-visible {
  outline: 2px solid var(--brand-red);
  outline-offset: 3px;
}
.cta-btn:active {
  transform: scale(0.97);
}
.cta-btn-primary {
  background: var(--brand-red);
  color: #fff;
  box-shadow: 0 4px 24px rgba(231, 65, 50, 0.2), 0 1px 4px rgba(231, 65, 50, 0.1);
}
.cta-btn-primary:hover {
  transform: translateY(-1px);
  box-shadow: 0 8px 32px rgba(231, 65, 50, 0.35), 0 2px 8px rgba(231, 65, 50, 0.15);
}
.cta-btn-secondary {
  background: transparent;
  color: var(--text-primary);
  border: 1px solid rgba(245, 240, 235, 0.2);
  box-shadow: 0 2px 12px rgba(0, 0, 0, 0.2);
}
.cta-btn-secondary:hover {
  border-color: rgba(245, 240, 235, 0.4);
  transform: translateY(-1px);
  box-shadow: 0 4px 20px rgba(0, 0, 0, 0.3);
}
.cta-note {
  font-size: 0.82rem;
  font-weight: 400;
  letter-spacing: 0.02em;
  color: var(--text-muted);
  margin-top: 0.25rem;
}
.cta-disclaimer {
  font-size: 0.8rem;
  font-weight: 400;
  letter-spacing: 0.08em;
  color: var(--text-dim);
  text-transform: uppercase;
  margin-top: 0.5rem;
}

/* ═══════════════════════════════════════════════════
   TRUST TRIPTYCH
   ═══════════════════════════════════════════════════ */
.trust-subtitle {
  max-width: 52ch;
  color: var(--text-muted);
  margin-bottom: 1rem;
}
.trust-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
  margin-top: 3.5rem;
}
.trust-card {
  position: relative;
  padding: 2.5rem;
  background: rgba(245, 240, 235, 0.03);
  border: 1px solid rgba(245, 240, 235, 0.06);
  border-radius: 0.75rem;
  transition: transform 0.4s var(--ease-out), border-color 0.4s var(--ease-out), box-shadow 0.4s var(--ease-out);
}
.trust-card:hover {
  border-color: rgba(231, 65, 50, 0.2);
  transform: translateY(-2px);
  box-shadow: 0 8px 32px rgba(0, 0, 0, 0.3), 0 0 0 1px rgba(231, 65, 50, 0.06);
}
.trust-icon {
  width: 40px;
  height: 40px;
  margin-bottom: 1.5rem;
  color: var(--brand-red);
  opacity: 0.85;
}
.trust-title {
  font-family: var(--font-body);
  font-size: 1.25rem;
  font-weight: 600;
  letter-spacing: 0.01em;
  color: var(--text-primary);
  margin-bottom: 0.75rem;
}
.trust-desc {
  font-size: 0.9rem;
  font-weight: 400;
  line-height: 1.7;
  color: var(--text-muted);
}

/* ═══════════════════════════════════════════════════
   GLOWING BORDER EFFECT
   Mouse-tracking conic-gradient glow on cards
   ═══════════════════════════════════════════════════ */
.glow-card {
  position: relative;
  border-radius: 0.75rem;
  overflow: visible;
}

.glow-effect {
  --glow-spread: 40;
  --glow-start: 0;
  --glow-active: 0;
  --glow-blur: 0px;
  --glow-border-width: 2px;
  --glow-gradient:
    radial-gradient(circle, #e74132 10%, #e7413200 20%),
    radial-gradient(circle at 40% 40%, #ff6b5a 5%, #ff6b5a00 15%),
    radial-gradient(circle at 60% 60%, #c4362a 10%, #c4362a00 20%),
    radial-gradient(circle at 40% 60%, #b33528 10%, #b3352800 20%),
    repeating-conic-gradient(
      from 236.84deg at 50% 50%,
      #e74132 0%,
      #ff6b5a calc(25% / 5),
      #c4362a calc(50% / 5),
      #b33528 calc(75% / 5),
      #e74132 calc(100% / 5)
    );
  pointer-events: none;
  position: absolute;
  inset: 0;
  border-radius: inherit;
  opacity: 1;
  transition: opacity 0.3s;
}

.glow-effect .glow-inner {
  border-radius: inherit;
  position: relative;
  width: 100%;
  height: 100%;
}

.glow-effect .glow-inner::after {
  content: "";
  position: absolute;
  inset: calc(-1 * var(--glow-border-width));
  border-radius: inherit;
  border: var(--glow-border-width) solid transparent;
  background: var(--glow-gradient);
  background-attachment: fixed;
  opacity: var(--glow-active);
  transition: opacity 0.3s;
  mask-clip: padding-box, border-box;
  -webkit-mask-clip: padding-box, border-box;
  mask-composite: intersect;
  -webkit-mask-composite: source-in;
  mask-image:
    linear-gradient(#0000, #0000),
    conic-gradient(
      from calc((var(--glow-start) - var(--glow-spread)) * 1deg),
      #00000000 0deg,
      #fff,
      #00000000 calc(var(--glow-spread) * 2deg)
    );
  -webkit-mask-image:
    linear-gradient(#0000, #0000),
    conic-gradient(
      from calc((var(--glow-start) - var(--glow-spread)) * 1deg),
      #00000000 0deg,
      #fff,
      #00000000 calc(var(--glow-spread) * 2deg)
    );
}

/* Hide glow on touch-only devices */
@media (hover: none) {
  .glow-effect { display: none; }
}

/* ═══════════════════════════════════════════════════
   FOOTER
   ═══════════════════════════════════════════════════ */
.site-footer {
  position: relative;
  z-index: 5;
  background: var(--bg-warm);
  border-top: 1px solid rgba(245, 240, 235, 0.05);
}
.footer-main {
  max-width: 1100px;
  margin: 0 auto;
  padding: 5rem 5vw 3rem;
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  gap: 4rem;
}
.footer-brand {
  max-width: 240px;
}
.footer-logo-img {
  opacity: 0.7;
  margin-bottom: 1rem;
}
.footer-tagline {
  font-size: 0.8rem;
  line-height: 1.6;
  color: var(--text-muted);
}
.footer-columns {
  display: flex;
  gap: 5rem;
}
.footer-col {
  display: flex;
  flex-direction: column;
  gap: 0.6rem;
}
.footer-col-heading {
  font-family: var(--font-body);
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--text-primary);
  opacity: 0.6;
  margin-bottom: 0.5rem;
}
.footer-col-link {
  font-size: 0.85rem;
  color: var(--text-muted);
  letter-spacing: 0.04em;
  transition: color 0.3s var(--ease-out);
}
.footer-col-link:hover,
.footer-col-link:focus-visible {
  color: var(--text-primary);
}
.footer-col-link:focus-visible {
  outline: 1px solid var(--brand-red);
  outline-offset: 3px;
}
.footer-bottom {
  max-width: 1100px;
  margin: 0 auto;
  padding: 2rem 5vw;
  border-top: 1px solid rgba(245, 240, 235, 0.05);
  display: flex;
  justify-content: space-between;
}
.footer-copyright {
  font-size: 0.82rem;
  color: var(--text-muted);
  letter-spacing: 0.04em;
}

/* ═══════════════════════════════════════════════════
   RESPONSIVE
   ═══════════════════════════════════════════════════ */
@media (max-width: 768px) {
  .site-header {
    padding: 1rem 4vw;
    mix-blend-mode: normal;
  }
  .nav-toggle { display: flex; }
  .header-nav {
    position: fixed;
    inset: 0;
    background: rgba(10, 10, 10, 0.96);
    backdrop-filter: blur(16px);
    -webkit-backdrop-filter: blur(16px);
    flex-direction: column;
    align-items: center;
    justify-content: center;
    gap: 2.5rem;
    opacity: 0;
    pointer-events: none;
    transition: opacity 0.35s var(--ease-out);
    z-index: 105;
  }
  .header-nav.open {
    opacity: 1;
    pointer-events: auto;
  }
  .header-nav .nav-link {
    font-size: 1rem;
    letter-spacing: 0.18em;
    opacity: 0.85;
  }

  .hero-heading { font-size: clamp(3rem, 14vw, 5rem); }
  .hero-tagline {
    text-align: center;
    padding: 0 1.5rem;
    font-size: clamp(0.85rem, 3.5vw, 1.1rem);
  }

  .scroll-container { height: 650vh; }

  .align-left,
  .align-right {
    padding: 0 6vw;
    justify-content: center;
  }
  .align-left .section-inner,
  .align-right .section-inner,
  .section-inner {
    max-width: 100%;
    padding: 0;
  }
  .align-left .section-inner::before,
  .align-right .section-inner::before {
    display: none;
  }
  .scroll-section {
    background: rgba(10, 10, 10, 0.7);
    backdrop-filter: blur(4px);
    -webkit-backdrop-filter: blur(4px);
  }

  .section-stats {
    padding: 0 5vw;
  }
  .glass-grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 0.75rem;
    width: 100%;
    max-width: 100%;
  }
  .glass-card {
    padding: 1.5rem 1rem 1.25rem;
  }

  .features-grid,
  .trust-grid {
    grid-template-columns: 1fr;
    gap: 1.5rem;
  }

  .cta-buttons { flex-direction: column; align-items: center; }
  .cta-btn { width: 100%; max-width: 300px; text-align: center; }

  /* Lamp responsive */
  .lamp-beam-left, .lamp-beam-right { height: 10rem; }
  .lamp-glow-wide { width: 18rem; height: 6rem; }
  .lamp-content { padding: 14rem 5vw 8rem; }

  .footer-main { flex-direction: column; align-items: center; text-align: center; gap: 3rem; }
  .footer-columns { flex-wrap: wrap; gap: 2.5rem; justify-content: center; }
  .footer-bottom { flex-direction: column; align-items: center; gap: 0.5rem; text-align: center; }
}

@media (max-width: 480px) {
  .glass-grid {
    grid-template-columns: 1fr 1fr;
    gap: 0.5rem;
  }
  .glass-card .stat-number { font-size: 2.4rem; }
  .hero-heading { font-size: clamp(2.5rem, 16vw, 4rem); }
  .marquee-text { font-size: 8vw; }
}