/* Meridian Bank — public UI */
:root {
    --m-primary: #0d9488;
    --m-primary-dark: #0f766e;
    --m-accent: #0369a1;
    --m-navy: #0f172a;
    --m-slate: #334155;
    --m-muted: #64748b;
    --m-line: #e2e8f0;
    --m-soft: #f1f5f9;
    --m-success: #059669;
    --m-danger: #dc2626;
    --m-warn: #d97706;
    --m-radius: 14px;
    --m-shadow: 0 10px 40px rgba(15, 23, 42, 0.08);
    --m-font: 'DM Sans', system-ui, -apple-system, sans-serif;
}

*, *::before, *::after { box-sizing: border-box; }
html {
    scroll-behavior: smooth;
    -webkit-text-size-adjust: 100%;
    overflow-x: hidden;
}
body.m-body {
    margin: 0;
    font-family: var(--m-font);
    font-size: 15px;
    line-height: 1.6;
    color: var(--m-slate);
    background: #fff;
    overflow-x: hidden;
    min-height: 100vh;
}
body.nav-open { overflow: hidden; }

img, video, svg { max-width: 100%; height: auto; display: block; }
a { color: var(--m-primary); text-decoration: none; }
a:hover { color: var(--m-primary-dark); }

.container-xl {
    width: 100%;
    max-width: 1140px;
    margin: 0 auto;
    padding-left: 1.15rem;
    padding-right: 1.15rem;
}

/* Preloader — calm, no bounce */
.m-preloader {
    position: fixed; inset: 0; z-index: 99999;
    display: flex; align-items: center; justify-content: center;
    background: #f8fafc; transition: opacity .4s ease, visibility .4s ease;
}
.m-preloader.is-hidden { opacity: 0; visibility: hidden; pointer-events: none; }
.m-preloader.fade-out { opacity: 0; visibility: hidden; pointer-events: none; }
.m-preloader.fade-out { opacity: 0; visibility: hidden; pointer-events: none; }
.m-preloader-inner { text-align: center; }
.m-preloader-mark {
    width: 36px; height: 36px; margin: 0 auto 12px;
    border-radius: 10px;
    background: linear-gradient(135deg, var(--m-primary), var(--m-accent));
}
.m-preloader-name {
    font-weight: 700; letter-spacing: .06em; font-size: .85rem;
    color: var(--m-navy); text-transform: uppercase;
}

/* Header */
.m-header {
    position: sticky; top: 0; z-index: 100;
    background: rgba(255,255,255,.92);
    backdrop-filter: blur(10px);
    border-bottom: 1px solid var(--m-line);
}
.m-header-inner {
    display: flex; align-items: center; gap: 1rem;
    min-height: 64px;
}
.m-brand { display: flex; align-items: center; gap: .6rem; flex-shrink: 0; }
.m-logo { height: 36px; width: auto; max-width: 160px; object-fit: contain; }
.m-brand-text {
    font-weight: 700; font-size: 1rem; letter-spacing: .04em;
    color: var(--m-navy); text-transform: uppercase;
}
.m-nav-desktop {
    display: none; flex: 1; justify-content: center; gap: .15rem;
}
.m-nav-desktop a {
    padding: .45rem .85rem; border-radius: 8px;
    color: var(--m-muted); font-weight: 500; font-size: .875rem;
}
.m-nav-desktop a:hover, .m-nav-desktop a.active {
    color: var(--m-primary); background: rgba(13,148,136,.08);
}
.m-header-actions { margin-left: auto; display: flex; align-items: center; gap: .5rem; }

@media (min-width: 992px) {
    .m-nav-desktop { display: flex; }
    .m-nav-burger { display: none !important; }
}

/* Burger */
.m-nav-burger {
    width: 40px; height: 40px; border: 0; background: transparent;
    display: flex; flex-direction: column; justify-content: center; align-items: center; gap: 5px;
    cursor: pointer; border-radius: 8px;
}
.m-nav-burger span {
    display: block; width: 18px; height: 2px; background: var(--m-navy); border-radius: 2px;
}

/* Mobile drawer */
.m-nav-backdrop {
    position: fixed; inset: 0; background: rgba(15,23,42,.45);
    z-index: 200; opacity: 0; visibility: hidden; transition: .25s ease;
}
.m-nav-backdrop.is-open { opacity: 1; visibility: visible; }
.m-nav-drawer {
    position: fixed; top: 0; right: 0; width: min(300px, 88vw); height: 100%;
    background: #fff; z-index: 210;
    transform: translateX(100%); transition: transform .28s ease;
    box-shadow: -8px 0 30px rgba(0,0,0,.12);
    display: flex; flex-direction: column;
}
.m-nav-drawer.is-open { transform: translateX(0); }
.m-nav-drawer-head {
    display: flex; align-items: center; justify-content: space-between;
    padding: 1.1rem 1.15rem; border-bottom: 1px solid var(--m-line);
}
.m-nav-close {
    border: 0; background: var(--m-soft); width: 36px; height: 36px;
    border-radius: 8px; font-size: 1.4rem; line-height: 1; cursor: pointer; color: var(--m-navy);
}
.m-nav-drawer-links {
    padding: 1rem; display: flex; flex-direction: column; gap: .25rem; overflow-y: auto;
}
.m-nav-drawer-links a {
    padding: .75rem 1rem; border-radius: 10px; color: var(--m-slate); font-weight: 500;
}
.m-nav-drawer-links a:hover { background: var(--m-soft); color: var(--m-primary); }
.m-nav-drawer-links hr { border: 0; border-top: 1px solid var(--m-line); margin: .5rem 0; }

/* Buttons */
.btn {
    display: inline-flex; align-items: center; justify-content: center; gap: .4rem;
    font-family: inherit; font-weight: 600; font-size: .875rem;
    padding: .55rem 1.2rem; border-radius: 10px; border: 1px solid transparent;
    cursor: pointer; transition: .15s ease; text-decoration: none;
}
.btn-sm { padding: .4rem .9rem; font-size: .8125rem; }
.btn-lg { padding: .75rem 1.5rem; font-size: .95rem; }
.btn-m-primary { background: var(--m-primary); color: #fff !important; border-color: var(--m-primary); }
.btn-m-primary:hover { background: var(--m-primary-dark); border-color: var(--m-primary-dark); color: #fff !important; }
.btn-m-ghost { background: transparent; color: var(--m-slate) !important; border-color: var(--m-line); }
.btn-m-ghost:hover { background: var(--m-soft); color: var(--m-navy) !important; }
.btn-m-accent { background: var(--m-accent); color: #fff !important; border-color: var(--m-accent); }
.btn-m-light { background: #fff; color: var(--m-primary) !important; }
.btn.is-loading { pointer-events: none; opacity: .75; }
.btn.is-loading .btn-text { display: none; }
.btn .btn-spinner { display: none; }
.btn.is-loading .btn-spinner { display: inline-flex; }

/* Forms */
.form-label { font-size: .8125rem; font-weight: 600; color: var(--m-navy); margin-bottom: .35rem; display: block; }
.form-control, .form-select {
    width: 100%; font-family: inherit; font-size: .9rem;
    padding: .6rem 1rem; border: 1px solid var(--m-line); border-radius: 10px;
    color: var(--m-navy); background: #fff;
}
.form-control:focus {
    outline: 0; border-color: var(--m-primary);
    box-shadow: 0 0 0 3px rgba(13,148,136,.15);
}
.form-control.is-invalid { border-color: var(--m-danger); }
.invalid-feedback { font-size: .75rem; color: var(--m-danger); margin-top: .25rem; }
.form-note { font-size: .75rem; color: var(--m-muted); margin-top: .25rem; }
.form-check-input:checked { background-color: var(--m-primary); border-color: var(--m-primary); }

/* Alerts */
.alert { border-radius: 10px; padding: .85rem 1rem; font-size: .85rem; border: 1px solid transparent; }
.alert-pro { display: flex; gap: .65rem; align-items: flex-start; }
.alert-success { background: #ecfdf5; border-color: #a7f3d0; color: #047857; }
.alert-danger { background: #fef2f2; border-color: #fecaca; color: #b91c1c; }
.alert-warning { background: #fffbeb; border-color: #fde68a; color: #b45309; }
.alert-info { background: #eff6ff; border-color: #bfdbfe; color: #1d4ed8; }
.alert-primary { background: rgba(13,148,136,.08); border-color: #99f6e4; color: var(--m-primary-dark); }

.badge {
    display: inline-flex; align-items: center; font-size: .7rem; font-weight: 600;
    padding: .25em .55em; border-radius: 6px;
}
.badge-success { background: #ecfdf5; color: #047857; }
.badge-primary { background: rgba(13,148,136,.12); color: var(--m-primary-dark); }
.badge-warning { background: #fffbeb; color: #b45309; }

/* Cards */
.m-card {
    background: #fff; border: 1px solid var(--m-line); border-radius: var(--m-radius);
    box-shadow: 0 1px 2px rgba(15,23,42,.04);
    transition: box-shadow .2s, transform .2s, border-color .2s;
}
.m-card-pad { padding: 1.5rem; }
.m-card-lift:hover {
    box-shadow: var(--m-shadow); border-color: #cbd5e1; transform: translateY(-3px);
}

.icon-circle {
    width: 48px; height: 48px; border-radius: 12px;
    display: inline-flex; align-items: center; justify-content: center;
    background: linear-gradient(135deg, rgba(13,148,136,.12), rgba(3,105,161,.1));
    color: var(--m-primary); font-size: 1.25rem; flex-shrink: 0;
}
.icon-circle-lg { width: 64px; height: 64px; font-size: 1.5rem; border-radius: 16px; }
.icon-circle-success { background: #ecfdf5; color: var(--m-success); }
.icon-circle-blue { background: #eff6ff; color: var(--m-accent); }
.icon-circle-amber { background: #fffbeb; color: var(--m-warn); }
.icon-circle-rose { background: #fff1f2; color: #e11d48; }

/* Hero with video/image */
.m-hero {
    position: relative;
    overflow: hidden;
    width: 100%;
    min-height: 520px;
    display: flex;
    align-items: center;
    justify-content: center;
    color: #fff;
}
@media (min-width: 768px) {
    .m-hero { min-height: min(78vh, 640px); }
}
.m-hero-media {
    position: absolute;
    top: 0; right: 0; bottom: 0; left: 0;
    z-index: 0;
    overflow: hidden;
    background: #0f172a;
}
.m-hero-media video,
.m-hero-media img,
.m-hero-video {
    position: absolute;
    top: 0; left: 0;
    width: 100%;
    height: 100%;
    object-fit: cover;
    object-position: center center;
}
.m-hero-overlay {
    position: absolute;
    top: 0; right: 0; bottom: 0; left: 0;
    z-index: 1;
    background: linear-gradient(120deg, rgba(15,23,42,.90) 0%, rgba(15,23,42,.62) 50%, rgba(13,148,136,.40) 100%);
    pointer-events: none;
}
.m-hero-content {
    position: relative;
    z-index: 2;
    width: 100%;
    max-width: 1140px;
    margin-left: auto;
    margin-right: auto;
    padding: 3rem 1.25rem; /* same side inset as other sections */
    box-sizing: border-box;
}
.m-hero-copy {
    width: 100%;
    max-width: 40rem;
    margin: 0;
    text-align: left;
}
/* Phones: keep side padding so text does not touch screen edge */
@media (max-width: 767.98px) {
    .m-hero-content {
        padding: 2.75rem 1.25rem 2.5rem !important;
    }
    .m-hero-copy {
        max-width: 100%;
        width: 100%;
        margin-left: 0;
        margin-right: 0;
        text-align: left;
    }
    .m-hero-title {
        font-size: 1.45rem !important;
        line-height: 1.25 !important;
        max-width: 100% !important;
        width: 100% !important;
    }
    .m-hero-sub {
        max-width: 100% !important;
        width: 100% !important;
    }
    .m-hero-actions {
        width: 100%;
    }
    .m-hero-actions .btn {
        flex: 0 1 auto;
        min-width: 0;
        padding: 0.5rem 1rem;
        font-size: 0.875rem;
    }
    .m-hero-actions .btn-lg {
        padding: 0.55rem 1.15rem;
        font-size: 0.9rem;
    }
    .m-hero-trust {
        width: 100%;
    }
}
.m-hero-eyebrow {
    font-size: .75rem;
    font-weight: 700;
    letter-spacing: .12em;
    text-transform: uppercase;
    color: #5eead4;
    margin-bottom: .85rem;
}
.m-hero-title {
    font-size: clamp(1.65rem, 5vw, 2.85rem);
    font-weight: 700;
    line-height: 1.2;
    color: #fff;
    margin: 0 0 1rem;
    max-width: 100%;
    width: 100%;
    word-break: normal;
    overflow-wrap: break-word;
    hyphens: none;
}
.m-hero-sub {
    font-size: 1rem;
    color: rgba(255,255,255,.85);
    max-width: 36rem;
    width: 100%;
    margin: 0 0 1.5rem;
    line-height: 1.7;
}
.m-hero-actions {
    display: flex;
    flex-wrap: wrap;
    gap: .75rem;
}
.m-hero-trust {
    display: flex;
    flex-wrap: wrap;
    gap: .85rem 1.25rem;
    margin-top: 1.5rem;
    color: rgba(255,255,255,.9);
    font-size: .875rem;
}
.m-hero-trust-item {
    display: inline-flex;
    align-items: center;
    gap: .4rem;
}
.m-hero-trust-item .bi { color: #5eead4; }

/* Sections */
.m-section { padding: 4.25rem 0; }
.m-section-soft { background: var(--m-soft); }
.m-section-navy {
    background: linear-gradient(160deg, #0f172a 0%, #134e4a 100%);
    color: #e2e8f0;
}
.m-kicker {
    font-size: .72rem; font-weight: 700; letter-spacing: .12em;
    text-transform: uppercase; color: var(--m-primary); margin-bottom: .5rem;
}
.m-section-navy .m-kicker { color: #5eead4; }
.m-h2 {
    font-size: clamp(1.45rem, 2.5vw, 1.9rem);
    font-weight: 700; color: var(--m-navy); margin: 0 0 .6rem;
}
.m-section-navy .m-h2 { color: #fff; }
.m-lead { color: var(--m-muted); font-size: 1rem; max-width: 36rem; margin: 0 0 2rem; }
.m-section-navy .m-lead { color: #94a3b8; }

/* Feature grid */
.m-feature {
    height: 100%;
    padding: 1.6rem;
}
.m-feature h5 {
    font-size: 1.02rem; font-weight: 600; color: var(--m-navy); margin: 1rem 0 .4rem;
}
.m-feature p { margin: 0; font-size: .9rem; color: var(--m-muted); line-height: 1.55; }

/* Illustration panel */
.m-illus-panel {
    background: linear-gradient(145deg, #f0fdfa, #e0f2fe);
    border: 1px solid #ccfbf1;
    border-radius: 20px;
    padding: 2rem;
    display: flex; align-items: center; justify-content: center;
    min-height: 280px;
}

/* Steps */
.m-step {
    text-align: center; padding: 1.5rem 1rem; height: 100%;
}
.m-step-num {
    width: 44px; height: 44px; border-radius: 12px; margin: 0 auto 1rem;
    background: linear-gradient(135deg, var(--m-primary), var(--m-accent));
    color: #fff; font-weight: 700; display: flex; align-items: center; justify-content: center;
}
.m-step h5 { font-size: 1rem; color: var(--m-navy); margin-bottom: .4rem; }
.m-step p { margin: 0; font-size: .875rem; color: var(--m-muted); }

/* CTA */
.m-cta {
    background: linear-gradient(120deg, var(--m-primary) 0%, var(--m-accent) 100%);
    color: #fff; text-align: center; padding: 3.5rem 1.25rem; border-radius: 0;
}
.m-cta h2 { color: #fff; font-size: clamp(1.4rem, 3vw, 1.85rem); margin-bottom: .6rem; }
.m-cta p { color: rgba(255,255,255,.85); max-width: 28rem; margin: 0 auto 1.5rem; }

/* Footer */
.m-footer { background: var(--m-navy); color: #94a3b8; }
.m-footer-brand { font-weight: 700; color: #fff; letter-spacing: .04em; text-transform: uppercase; }
.m-footer-text { font-size: .875rem; margin: 0; max-width: 22rem; }
.m-footer-title {
    font-size: .72rem; font-weight: 700; letter-spacing: .08em;
    text-transform: uppercase; color: #e2e8f0; margin-bottom: .75rem;
}
.m-footer a {
    display: block; color: #94a3b8; font-size: .85rem; padding: .2rem 0;
}
.m-footer a:hover { color: #fff; }
.m-footer-bottom {
    border-top: 1px solid #1e293b; padding: 1rem 0 1.5rem;
    font-size: .8rem; color: #64748b;
}

/* Auth */
.pg-auth { background: var(--m-soft); min-height: 100vh; }
.nk-auth-body { margin: 0 auto; padding: 2rem 1rem; max-width: 520px; }
.card { background: #fff; border: 1px solid var(--m-line); border-radius: var(--m-radius); }
.card-bordered { border: 1px solid var(--m-line); }
.card-inner { padding: 1.25rem; }
.card-inner-lg { padding: 1.75rem; }
.logo-text { font-weight: 700; letter-spacing: .05em; color: var(--m-primary); text-transform: uppercase; }
.logo-text-lg { font-size: 1.35rem; }
.text-soft { color: var(--m-muted) !important; }
.text-primary { color: var(--m-primary) !important; }
.bg-lighter { background: var(--m-soft) !important; }

/* Accordion */
.accordion-item {
    border: 1px solid var(--m-line) !important; border-radius: 10px !important;
    margin-bottom: .5rem; overflow: hidden;
}
.accordion-button {
    font-weight: 600; font-size: .925rem; color: var(--m-navy);
    box-shadow: none !important;
}
.accordion-button:not(.collapsed) {
    color: var(--m-primary); background: rgba(13,148,136,.08);
}

/* Page hero (inner pages) */
.page-hero {
    background: linear-gradient(160deg, #f0fdfa 0%, #eff6ff 50%, #fff 100%);
    padding: 3rem 0 2.25rem; border-bottom: 1px solid var(--m-line);
}
.page-hero h1 { font-size: clamp(1.6rem, 3vw, 2.1rem); font-weight: 700; color: var(--m-navy); }
.page-hero .lead { color: var(--m-muted); max-width: 34rem; margin-top: .6rem; }

.section-gap { padding: 3.5rem 0; }
.overline-title { font-size: .72rem; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; color: var(--m-primary); }
.section-title { font-size: clamp(1.4rem, 2.5vw, 1.85rem); font-weight: 700; color: var(--m-navy); }
.section-subtitle { color: var(--m-muted); max-width: 34rem; }

/* Utilities */
.fw-bold { font-weight: 700; }
.fw-medium { font-weight: 500; }


/* Scroll reveal */
.m-reveal {
    opacity: 0;
    transform: translateY(22px);
    transition: opacity .7s cubic-bezier(.22,1,.36,1), transform .7s cubic-bezier(.22,1,.36,1);
}
.m-reveal.is-visible {
    opacity: 1;
    transform: none;
}
.m-reveal:nth-child(2) { transition-delay: .08s; }
.m-reveal:nth-child(3) { transition-delay: .16s; }

.m-check-list {
    list-style: none; padding: 0; margin: 0;
}
.m-check-list li {
    position: relative;
    padding: .4rem 0 .4rem 1.6rem;
    font-size: .95rem;
    color: var(--m-muted, #64748b);
}
.m-check-list li::before {
    content: "";
    position: absolute; left: 0; top: .7rem;
    width: .7rem; height: .7rem; border-radius: 50%;
    background: var(--m-primary, #0d9488);
    box-shadow: 0 0 0 3px rgba(13,148,136,.2);
}

.m-stat-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: .85rem;
}
.m-stat-tile {
    background: #fff;
    border: 1px solid var(--m-line, #e5e9f2);
    border-radius: 14px;
    padding: 1.15rem 1rem;
}
.m-stat-num {
    font-size: 1.15rem;
    font-weight: 700;
    color: var(--m-navy, #0f172a);
}
.m-stat-lbl {
    font-size: .78rem;
    color: var(--m-muted, #8094ae);
    margin-top: .2rem;
}

.m-step {
    text-align: center;
    padding: 1rem .5rem;
}
.m-step-num {
    width: 40px; height: 40px; margin: 0 auto .75rem;
    border-radius: 50%;
    background: rgba(13,148,136,.12);
    color: var(--m-primary, #0d9488);
    font-weight: 700;
    display: flex; align-items: center; justify-content: center;
}
.m-step h5 { font-size: 1rem; color: var(--m-navy, #0f172a); margin-bottom: .4rem; }
.m-step p { font-size: .875rem; color: var(--m-muted, #8094ae); margin: 0; }

.m-footer a { display: block; margin-bottom: .35rem; }
.m-footer-bottom { color: #64748b; }


/* ===== Premium homepage extensions ===== */
.m-hero-fallback-bg {
    position: absolute; inset: 0;
    background:
        radial-gradient(ellipse at 30% 20%, rgba(13,148,136,.45), transparent 50%),
        radial-gradient(ellipse at 80% 80%, rgba(3,105,161,.35), transparent 45%),
        linear-gradient(160deg, #0f172a 0%, #134e4a 50%, #0f172a 100%);
}
.m-hero-scroll {
    position: absolute; bottom: 1.25rem; left: 50%; transform: translateX(-50%);
    width: 22px; height: 36px; border: 2px solid rgba(255,255,255,.35); border-radius: 12px;
}
.m-hero-scroll span {
    display: block; width: 4px; height: 8px; margin: 6px auto 0; border-radius: 2px;
    background: #fff; animation: m-scroll-dot 1.6s ease-in-out infinite;
}
@keyframes m-scroll-dot {
    0% { opacity: 1; transform: translateY(0); }
    100% { opacity: 0; transform: translateY(12px); }
}
.m-section-compact { padding: 2.75rem 0; }
.m-section-flush { padding: 0; }

.m-counter-value {
    font-size: clamp(1.5rem, 3vw, 2rem); font-weight: 700; color: #fff; letter-spacing: .02em;
}
.m-counter-label { font-size: .8rem; color: #94a3b8; margin-top: .35rem; }

.m-visual-panel {
    border-radius: 18px; overflow: hidden; min-height: 280px;
    background: linear-gradient(145deg, #0f172a, #134e4a 60%, #0f766e);
    position: relative; box-shadow: 0 20px 50px rgba(15,23,42,.12);
}
.m-visual-panel img { width: 100%; height: 100%; object-fit: cover; min-height: 280px; display: block; }
.m-visual-inner {
    padding: 2.5rem 2rem; color: #e2e8f0; height: 100%;
    display: flex; flex-direction: column; justify-content: flex-end; min-height: 280px;
}
.m-visual-mark {
    font-size: .75rem; letter-spacing: .14em; text-transform: uppercase;
    font-weight: 700; color: #5eead4; margin-bottom: .75rem;
}
.m-visual-panel--grid { background: #f1f5f9; border: 1px solid var(--m-line); }
.m-dash-mock { padding: 1.5rem; }
.m-dash-mock-bar { height: 12px; width: 40%; background: #0d9488; border-radius: 6px; margin-bottom: 1.25rem; }
.m-dash-mock-row { height: 10px; background: #e2e8f0; border-radius: 4px; margin-bottom: .65rem; }
.m-dash-mock-row--short { width: 65%; }
.m-dash-mock-cards { display: flex; gap: .5rem; margin-top: 1.25rem; }
.m-dash-mock-cards span {
    flex: 1; height: 72px; border-radius: 10px;
    background: linear-gradient(180deg, #fff, #f8fafc);
    border: 1px solid #e2e8f0;
}

.m-h-scroll { overflow-x: auto; -webkit-overflow-scrolling: touch; scrollbar-width: thin; padding-bottom: .5rem; }
.m-h-track {
    display: flex; gap: 1rem; width: max-content; padding: .25rem 0 1rem;
}
.m-premium-card {
    width: min(280px, 78vw); flex-shrink: 0;
    background: #fff; border: 1px solid var(--m-line); border-radius: 16px;
    padding: 1.35rem 1.25rem; box-shadow: 0 8px 24px rgba(15,23,42,.04);
    transition: transform .25s ease, box-shadow .25s ease;
}
.m-premium-card:hover { transform: translateY(-4px); box-shadow: 0 16px 36px rgba(15,23,42,.08); }
.m-premium-icon {
    width: 44px; height: 44px; border-radius: 12px; margin-bottom: .85rem;
    display: flex; align-items: center; justify-content: center;
    background: rgba(13,148,136,.1); color: var(--m-primary); font-size: 1.2rem;
}
.m-premium-card h5 { font-size: 1rem; color: var(--m-navy); margin-bottom: .4rem; }
.m-premium-card p { font-size: .875rem; color: var(--m-muted); margin: 0; line-height: 1.5; }

.m-story-grid {
    display: grid; grid-template-columns: 1fr;
    min-height: 220px;
}
@media (min-width: 768px) {
    .m-story-grid { grid-template-columns: repeat(3, 1fr); min-height: 320px; }
}
.m-story-cell {
    position: relative; min-height: 220px;
    background-size: cover; background-position: center;
    background-color: #0f172a;
}
.m-story-cell:nth-child(1) { background-image: linear-gradient(145deg, #0f172a, #134e4a); }
.m-story-cell:nth-child(2) { background-image: linear-gradient(145deg, #0f766e, #0f172a); }
.m-story-cell:nth-child(3) { background-image: linear-gradient(145deg, #0369a1, #0f172a); }
.m-story-overlay {
    position: absolute; inset: 0;
    background: linear-gradient(to top, rgba(15,23,42,.85), rgba(15,23,42,.25));
    display: flex; flex-direction: column; justify-content: flex-end;
    padding: 1.75rem 1.5rem; color: #fff;
}
.m-story-overlay h3 { font-size: 1.25rem; margin-bottom: .35rem; }
.m-story-overlay p { font-size: .9rem; color: #cbd5e1; margin: 0; max-width: 16rem; }

.m-carousel { position: relative; width: 100%; }
.m-carousel-viewport {
    overflow: hidden; width: 100%; border-radius: 16px;
}
.m-carousel-track {
    display: flex; width: 100%;
    transition: transform .55s cubic-bezier(.22,1,.36,1);
    will-change: transform;
}
.m-carousel-slide {
    flex: 0 0 100%; width: 100%; min-width: 100%;
    box-sizing: border-box; padding: 2px;
    opacity: 1; visibility: visible; position: relative;
    transform: none;
}
.m-carousel-slide.is-active { position: relative; }
.m-carousel-card {
    background: #fff; border: 1px solid var(--m-line); border-radius: 16px;
    padding: 1.75rem 1.5rem; box-shadow: 0 12px 32px rgba(15,23,42,.06);
}
.m-carousel-index {
    font-size: .75rem; font-weight: 700; letter-spacing: .12em;
    color: var(--m-primary); margin-bottom: .75rem;
}
.m-carousel-card h4 { color: var(--m-navy); margin-bottom: .5rem; }
.m-carousel-card p { color: var(--m-muted); margin: 0; font-size: .95rem; }
.m-carousel-dots { display: flex; gap: .4rem; margin-top: 1rem; }
.m-carousel-dot {
    width: 8px; height: 8px; border-radius: 50%; border: 0;
    background: #cbd5e1; padding: 0; cursor: pointer;
}
.m-carousel-dot.is-active { background: var(--m-primary); width: 22px; border-radius: 4px; }
.m-carousel-nav { display: flex; gap: .5rem; }
.m-carousel-btn {
    width: 40px; height: 40px; border-radius: 10px; border: 1px solid var(--m-line);
    background: #fff; color: var(--m-navy); display: inline-flex;
    align-items: center; justify-content: center; cursor: pointer;
}
.m-carousel-btn:hover { border-color: var(--m-primary); color: var(--m-primary); }

.m-trust-ico { font-size: 1.35rem; color: var(--m-primary); display: block; margin-bottom: .65rem; }

.m-quote {
    max-width: 40rem; margin: 0 auto; text-align: center; border: 0;
}
.m-quote p {
    font-size: clamp(1.15rem, 2.5vw, 1.45rem); font-weight: 500;
    color: #f1f5f9; line-height: 1.55; margin-bottom: 1rem;
}
.m-quote footer { color: #5eead4; font-size: .85rem; font-style: normal; }

.m-map-card {
    background: #fff; border: 1px solid var(--m-line); border-radius: 16px; overflow: hidden;
}
.m-map-row {
    display: flex; justify-content: space-between; gap: 1rem;
    padding: 1rem 1.25rem; border-bottom: 1px solid #f1f5f9;
    font-size: .9rem;
}
.m-map-row:last-child { border-bottom: 0; }
.m-map-row span:first-child { font-weight: 600; color: var(--m-navy); }
.m-map-row span:last-child { color: var(--m-muted); }

.m-insight-card {
    height: 100%; background: #fff; border: 1px solid var(--m-line);
    border-radius: 16px; padding: 1.5rem 1.25rem;
    transition: border-color .2s, box-shadow .2s;
}
.m-insight-card:hover { border-color: #99f6e4; box-shadow: 0 12px 28px rgba(13,148,136,.08); }
.m-insight-tag {
    display: inline-block; font-size: .65rem; font-weight: 700; letter-spacing: .08em;
    text-transform: uppercase; color: var(--m-primary); margin-bottom: .65rem;
}
.m-insight-card h5 { color: var(--m-navy); font-size: 1.05rem; margin-bottom: .5rem; }
.m-insight-card p { color: var(--m-muted); font-size: .875rem; margin: 0; }

.m-cta-band {
    padding: 4.5rem 0;
    background: linear-gradient(135deg, #0f172a 0%, #0f766e 55%, #0369a1 100%);
    color: #fff;
}
.m-cta-inner { text-align: center; max-width: 36rem; margin: 0 auto; }
.m-cta-inner h2 { font-size: clamp(1.5rem, 3vw, 2rem); font-weight: 700; margin-bottom: .75rem; }
.m-cta-inner p { color: rgba(255,255,255,.8); margin-bottom: 1.5rem; }

.m-legal h2 {
    font-size: 1.15rem; font-weight: 700; color: var(--m-navy);
    margin: 2rem 0 .75rem;
}
.m-legal h3 {
    font-size: 1rem; font-weight: 600; color: var(--m-navy);
    margin: 1.25rem 0 .5rem;
}
.m-legal p, .m-legal li {
    font-size: .925rem; line-height: 1.65; color: #475569;
}
.m-legal ul { padding-left: 1.2rem; margin-bottom: 1rem; }
.m-legal a { color: var(--m-primary); }

.m-preloader-inner { text-align: center; }
.m-spinner {
    width: 44px; height: 44px; margin: 0 auto .85rem;
    border: 3px solid #e2e8f0; border-top-color: var(--m-primary, #0d9488);
    border-radius: 50%; animation: m-spin .7s linear infinite;
}
@keyframes m-spin { to { transform: rotate(360deg); } }
.m-preloader-name {
    font-size: .72rem; font-weight: 700; letter-spacing: .14em;
    text-transform: uppercase; color: #64748b;
}

.m-feature-grid { display: grid; gap: 1.25rem; grid-template-columns: 1fr; }
@media (min-width: 768px) { .m-feature-grid { grid-template-columns: 1fr 1fr; } }
@media (min-width: 992px) { .m-feature-grid { grid-template-columns: 1fr 1fr 1fr; } }
.m-feature-tile {
    background: #fff; border: 1px solid var(--m-line, #e5e9f2); border-radius: 16px;
    padding: 1.5rem 1.25rem; height: 100%;
    transition: transform .25s ease, box-shadow .25s ease;
}
.m-feature-tile:hover { transform: translateY(-4px); box-shadow: 0 16px 36px rgba(15,23,42,.07); }
.m-illus-3d {
    width: 100%; max-width: 320px; margin: 0 auto; display: block;
}
.m-contact-grid {
    display: grid; gap: 1.25rem;
    grid-template-columns: 1fr;
}
@media (min-width: 992px) {
    .m-contact-grid { grid-template-columns: 1fr 1.2fr; align-items: start; }
}
.m-contact-info {
    background: linear-gradient(160deg, #0f172a, #0f766e);
    color: #e2e8f0; border-radius: 18px; padding: 1.75rem 1.5rem;
}
.m-contact-info h3 { color: #fff; font-size: 1.15rem; margin-bottom: .75rem; }
.m-contact-info a { color: #5eead4; }
.m-contact-row {
    display: flex; gap: .85rem; align-items: flex-start;
    margin-bottom: 1.15rem;
}
.m-contact-row .bi { font-size: 1.2rem; color: #5eead4; margin-top: .15rem; }
.m-faq .accordion-item {
    border: 1px solid var(--m-line, #e5e9f2); border-radius: 12px !important;
    margin-bottom: .65rem; overflow: hidden; background: #fff;
}
.m-faq .accordion-button {
    font-weight: 600; font-size: .95rem; color: var(--m-navy, #0f172a);
    box-shadow: none !important; background: #fff;
}
.m-faq .accordion-button:not(.collapsed) { color: var(--m-primary, #0d9488); background: #f0fdfa; }
.m-faq .accordion-body { font-size: .9rem; color: #64748b; line-height: 1.6; }
.m-float { animation: m-float 4s ease-in-out infinite; }
@keyframes m-float {
    0%, 100% { transform: translateY(0); }
    50% { transform: translateY(-10px); }
}
.m-parallax-soft { transition: transform .6s cubic-bezier(.22,1,.36,1); }


/* ===== Auth pages — animated stage ===== */
.pg-auth {
    min-height: 100vh;
    margin: 0;
    background: #0b1220;
    overflow-x: hidden;
}
.pg-auth-stage {
    position: relative;
    min-height: 100vh;
    display: flex;
    align-items: center;
    justify-content: center;
    padding: 2rem 1rem 2.5rem;
}
.pg-auth-bg {
    position: absolute; inset: 0; overflow: hidden; pointer-events: none;
}
.pg-auth-orb {
    position: absolute; border-radius: 50%; filter: blur(60px); opacity: .55;
    animation: m-orb-float 14s ease-in-out infinite;
}
.pg-auth-orb-1 {
    width: 42vw; height: 42vw; max-width: 480px; max-height: 480px;
    background: #0d9488; top: -10%; left: -8%;
}
.pg-auth-orb-2 {
    width: 36vw; height: 36vw; max-width: 420px; max-height: 420px;
    background: #0369a1; bottom: -12%; right: -6%;
    animation-delay: -4s; animation-direction: reverse;
}
.pg-auth-orb-3 {
    width: 28vw; height: 28vw; max-width: 320px; max-height: 320px;
    background: #6366f1; top: 40%; left: 45%;
    animation-delay: -7s;
}
@keyframes m-orb-float {
    0%, 100% { transform: translate(0, 0) scale(1); }
    33% { transform: translate(3%, 4%) scale(1.06); }
    66% { transform: translate(-4%, 2%) scale(.96); }
}
.pg-auth-grid {
    position: absolute; inset: 0;
    background-image:
        linear-gradient(rgba(255,255,255,.03) 1px, transparent 1px),
        linear-gradient(90deg, rgba(255,255,255,.03) 1px, transparent 1px);
    background-size: 48px 48px;
    mask-image: radial-gradient(ellipse at center, #000 20%, transparent 75%);
}
.pg-auth-panel {
    position: relative; z-index: 2;
    width: 100%; max-width: 440px;
}
.pg-auth-panel--wide { max-width: 560px; }
.pg-auth-card {
    background: rgba(255,255,255,.97);
    border: 1px solid rgba(255,255,255,.2);
    border-radius: 18px;
    padding: 1.75rem 1.5rem;
    box-shadow: 0 24px 64px rgba(0,0,0,.35);
    backdrop-filter: blur(8px);
}
@media (min-width: 576px) {
    .pg-auth-card { padding: 2rem 1.85rem; }
}
.pg-auth-brand {
    text-align: center; margin-bottom: 1.25rem;
}
.pg-auth-brand img { height: 40px; width: auto; }
.pg-auth-brand-text {
    font-size: .7rem; font-weight: 700; letter-spacing: .14em;
    text-transform: uppercase; color: #5eead4; margin-bottom: .35rem;
}
.pg-auth-foot {
    text-align: center; margin-top: 1.25rem; position: relative; z-index: 2;
}
.pg-auth-foot a { color: rgba(255,255,255,.55); font-size: .78rem; text-decoration: none; margin: 0 .4rem; }
.pg-auth-foot a:hover { color: #fff; }
.pg-auth-foot .copy { color: rgba(255,255,255,.35); font-size: .72rem; margin-bottom: .35rem; }