/* ===========================================================
   Banguard Financial — modern redesign
   Style: corporate financial · navy + restrained indigo
   =========================================================== */

:root{
  --navy:#0B132B;          /* real Banguard brand dark */
  --navy-2:#111C3A;
  --navy-3:#1B2748;
  --ink:#14212E;
  --slate:#516172;
  --slate-2:#7B8A99;
  --line:#E3E8EF;
  --line-2:#EEF2F7;
  --bg:#FFFFFF;
  --bg-alt:#F5F7FA;
  --accent:#2C9C8D;        /* brand teal — restrained structural accent */
  --accent-2:#7DE2D1;      /* brand mint */
  --accent-soft:#E4F5F1;
  --magenta:#F800FF;       /* brand primary magenta — reserved for CTAs & brand moments */
  --magenta-deep:#C40BD6;
  --brand-grad:linear-gradient(120deg,var(--magenta-deep) 0%,var(--magenta) 100%);
  --gold:#E1A23B;          /* sparing "solar" micro-accent */
  --white:#fff;
  --radius:14px;
  --radius-lg:22px;
  --radius-sm:9px;
  --shadow-sm:0 6px 20px rgba(15,36,64,.06);
  --shadow:0 22px 60px rgba(10,26,47,.12);
  --maxw:1180px;
  --sans:"Inter",system-ui,-apple-system,Segoe UI,Roboto,Helvetica,Arial,sans-serif;
  --serif:"Newsreader",Georgia,"Times New Roman",serif;
}

*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;font-family:var(--sans);color:var(--ink);background:var(--bg);
  line-height:1.6;-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility;
}
img{max-width:100%;display:block;height:auto}
a{color:var(--accent);text-decoration:none}
h1,h2,h3,h4{color:var(--ink);margin:0 0 .5em;line-height:1.16;font-weight:600;letter-spacing:-.01em}
p{margin:0 0 1rem}
.serif{font-family:var(--serif);font-weight:500;letter-spacing:-.015em}
.container{width:100%;max-width:var(--maxw);margin:0 auto;padding:0 26px}
.skip-link{position:absolute;left:-9999px;background:var(--navy);color:#fff;padding:10px 16px;z-index:2000}
.skip-link:focus{left:8px;top:8px;border-radius:8px}

/* ---------- Buttons ---------- */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5rem;
  padding:.9rem 1.55rem;border-radius:999px;font-weight:600;font-size:.95rem;
  border:1.5px solid transparent;cursor:pointer;transition:.18s ease;white-space:nowrap}
.btn-sm{padding:.6rem 1.15rem;font-size:.9rem}
.btn-primary{background:var(--brand-grad);background-size:140% 140%;color:#fff;box-shadow:0 8px 22px rgba(196,11,214,.28)}
.btn-primary:hover{background-position:100% 0;color:#fff;transform:translateY(-1px);box-shadow:0 12px 28px rgba(196,11,214,.38)}
.btn-outline{background:transparent;color:var(--ink);border-color:var(--line)}
.btn-outline:hover{border-color:var(--navy);color:var(--navy)}
.btn-light{background:#fff;color:var(--navy)}
.btn-light:hover{background:#eef1f6;color:var(--navy)}
.btn-block{width:100%}

/* ---------- Utility bar ---------- */
.utility{background:var(--navy);color:#c8d3e0}
.utility-inner{display:flex;justify-content:space-between;align-items:center;gap:1rem;
  min-height:40px;font-size:.82rem;flex-wrap:wrap}
.utility-note strong{color:#fff}
.utility-meta{margin:0;display:flex;align-items:center;gap:.5rem;color:#9fb0c4}
.dot{width:7px;height:7px;border-radius:50%;background:var(--gold);box-shadow:0 0 0 3px rgba(225,162,59,.2)}
.utility p{margin:0}
.utility-right{display:flex;align-items:center;gap:1.2rem}
.lang-switch{display:inline-flex;align-items:center;gap:.35rem;font-size:.8rem;color:#6f8296}
.lang-switch button{background:none;border:0;cursor:pointer;font:inherit;font-weight:700;
  color:#7f92a7;padding:.15rem .25rem;border-radius:4px;transition:color .18s}
.lang-switch button:hover{color:#fff}
.lang-switch button.active{color:#fff;position:relative}
.lang-switch button.active::after{content:"";position:absolute;left:.25rem;right:.25rem;bottom:-2px;height:2px;background:var(--magenta)}

/* ---------- Header ---------- */
.site-header{position:sticky;top:0;z-index:1000;background:rgba(255,255,255,.9);
  backdrop-filter:saturate(150%) blur(10px);border-bottom:1px solid var(--line);transition:box-shadow .2s}
.site-header.scrolled{box-shadow:0 6px 24px rgba(10,26,47,.07)}
.header-inner{display:flex;align-items:center;justify-content:space-between;min-height:72px}
.brand-logo{height:38px;width:auto}
.site-nav{display:flex;align-items:center;gap:2.2rem}
.site-nav ul{display:flex;gap:1.9rem;list-style:none;margin:0;padding:0}
.site-nav ul a{color:var(--slate);font-weight:500;font-size:.94rem;position:relative;padding:.2rem 0}
.site-nav ul a:hover,.site-nav ul a.active{color:var(--navy)}
.site-nav ul a.active::after{content:"";position:absolute;left:0;right:0;bottom:-6px;height:2px;background:var(--accent)}
.nav-toggle{display:none;flex-direction:column;gap:5px;background:none;border:0;cursor:pointer;padding:8px}
.nav-toggle span{width:25px;height:2px;background:var(--navy);border-radius:2px;transition:.25s}

/* ---------- Shared section heads ---------- */
.kicker{display:inline-block;text-transform:uppercase;letter-spacing:.18em;font-size:.73rem;
  font-weight:700;color:var(--accent)}
.section-head{max-width:760px;margin:0 auto 3rem;text-align:center}
.section-head.left{margin-left:0;text-align:left}
.section-head h2{font-size:clamp(1.7rem,3.6vw,2.5rem);margin-top:.5rem}
.section-sub{color:var(--slate);font-size:1.05rem;margin-top:.4rem}
.eyebrow{display:inline-flex;align-items:center;gap:.7rem;text-transform:uppercase;
  letter-spacing:.16em;font-size:.75rem;font-weight:700;color:var(--accent);margin-bottom:1.1rem}
.eyebrow-rule{width:34px;height:2px;background:var(--magenta);display:inline-block}

/* ---------- Hero ---------- */
.hero{padding:0 0 3rem;background:
  radial-gradient(720px 360px at 90% -8%,rgba(125,226,209,.22),transparent 62%),
  radial-gradient(680px 340px at 58% -6%,rgba(248,0,255,.06),transparent 60%),var(--bg)}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:3.5rem;align-items:center}

/* ---------- Hero slider ---------- */
.hero-slider{position:relative;overflow:hidden}
.hero-slider:focus-visible{outline:2px solid var(--accent);outline-offset:-2px}
.hero-track{display:flex;transition:transform .6s cubic-bezier(.4,0,.2,1)}
.hero-slide{flex:0 0 100%;min-width:100%}
.hero-slide .hero-grid{padding:4rem 0 3.2rem}
.hero-nav{position:absolute;top:42%;transform:translateY(-50%);z-index:6;width:46px;height:46px;
  border-radius:50%;border:1px solid var(--line);background:rgba(255,255,255,.92);color:var(--navy);
  font-size:1.6rem;line-height:1;display:grid;place-items:center;cursor:pointer;
  box-shadow:var(--shadow-sm);transition:.18s ease}
.hero-nav:hover{background:#fff;border-color:var(--magenta);color:var(--magenta-deep);transform:translateY(-50%) scale(1.06)}
.hero-nav.prev{left:14px}
.hero-nav.next{right:14px}
.hero-dots{display:flex;justify-content:center;gap:.55rem;margin-top:.4rem}
.hero-dots button{width:9px;height:9px;padding:0;border:0;border-radius:999px;cursor:pointer;
  background:#cfd6e0;transition:.25s ease}
.hero-dots button:hover{background:var(--slate-2)}
.hero-dots button.active{width:26px;background:var(--accent)}
.hero-frame-art{background:var(--navy)}
.hero-frame-art svg{width:100%;height:100%;display:block}
.display{font-family:var(--serif);font-weight:500;font-size:clamp(2.3rem,5vw,3.7rem);
  letter-spacing:-.02em;line-height:1.08;color:var(--navy)}
.hero-copy .lead{font-size:1.12rem;color:var(--slate);max-width:520px}
.hero-actions{display:flex;flex-wrap:wrap;gap:.9rem;margin:1.8rem 0 2.2rem}
.hero-facts{display:grid;grid-template-columns:repeat(3,auto);gap:2rem;margin:0;padding-top:1.6rem;
  border-top:1px solid var(--line)}
.hero-facts dt{font-size:1.7rem;font-weight:700;color:var(--navy);font-variant-numeric:tabular-nums;letter-spacing:-.02em}
.hero-facts dt span{font-size:.9rem;font-weight:600;color:var(--slate-2);margin-left:2px}
.hero-facts dd{margin:.25rem 0 0;font-size:.82rem;color:var(--slate)}

.hero-visual{position:relative}
.hero-frame{border-radius:var(--radius-lg);overflow:hidden;box-shadow:var(--shadow);
  border:1px solid var(--line);aspect-ratio:4/3}
.hero-frame img{width:100%;height:100%;object-fit:cover}
.hero-card{position:absolute;left:-18px;bottom:-24px;background:var(--navy);color:#fff;
  padding:1.15rem 1.4rem;border-radius:var(--radius);box-shadow:var(--shadow);min-width:200px;
  overflow:hidden}
.hero-card::before{content:"";position:absolute;left:0;right:0;top:0;height:3px;background:var(--brand-grad)}
.hero-card-k{margin:0;font-size:.78rem;color:#9fb0c4;text-transform:uppercase;letter-spacing:.08em}
.hero-card-v{margin:.15rem 0 .2rem;font-size:2rem;font-weight:700;font-variant-numeric:tabular-nums}
.hero-card-v span{font-size:.95rem;font-weight:600;color:#9fb0c4}
.hero-card-s{margin:0;font-size:.8rem;color:#c8d3e0;max-width:180px}

/* credibility strip */
.credibility{margin-top:4rem;padding:1.4rem 26px;border:1px solid var(--line);border-radius:var(--radius);
  background:var(--bg-alt);display:flex;align-items:center;gap:1.6rem;flex-wrap:wrap}
.cred-label{font-size:.72rem;font-weight:700;text-transform:uppercase;letter-spacing:.14em;color:var(--slate-2);white-space:nowrap}
.cred-list{list-style:none;display:flex;flex-wrap:wrap;gap:1.6rem;margin:0;padding:0}
.cred-list li{font-size:.9rem;font-weight:500;color:var(--slate);position:relative;padding-left:1.1rem}
.cred-list li::before{content:"";position:absolute;left:0;top:.5em;width:6px;height:6px;border-radius:50%;background:var(--accent)}

/* ---------- Program / steps ---------- */
.program{padding:6rem 0;background:var(--bg)}
.steps{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(4,1fr);gap:1.4rem}
.step{background:var(--bg);border:1px solid var(--line);border-radius:var(--radius);padding:1.8rem 1.6rem;
  transition:.22s ease}
.step:hover{border-color:transparent;box-shadow:var(--shadow-sm);transform:translateY(-4px)}
.step-no{font-family:var(--serif);font-size:1.4rem;color:var(--accent);font-weight:600}
.step h3{font-size:1.15rem;margin:.7rem 0 .4rem}
.step p{margin:0;color:var(--slate);font-size:.95rem}

/* ---------- Regions ---------- */
.regions{padding:6rem 0;background:var(--bg-alt);border-block:1px solid var(--line)}
.region-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.5rem}
.region{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:2rem 1.9rem;
  display:flex;flex-direction:column;transition:.22s ease}
.region:hover{box-shadow:var(--shadow);transform:translateY(-4px);border-color:transparent}
.region-top{display:flex;align-items:center;gap:.9rem;margin-bottom:.9rem}
.region-code{flex:0 0 auto;width:46px;height:46px;border-radius:11px;display:grid;place-items:center;
  font-weight:700;font-size:.95rem;color:#fff;background:var(--navy);letter-spacing:.02em;transition:background .25s ease}
.region:hover .region-code{background:var(--accent)}
.region h3{margin:0;font-size:1.3rem}
.region p{color:var(--slate);font-size:.97rem;flex:1}
.link-arrow{display:inline-flex;align-items:center;gap:.4rem;font-weight:600;font-size:.92rem;margin-top:1rem;color:var(--accent)}
.link-arrow:hover{color:var(--magenta)}
.link-arrow span{transition:transform .2s}
.link-arrow:hover span{transform:translateX(4px)}

/* ---------- Stats band ---------- */
.stats{padding:4.2rem 0;background:var(--navy);color:#fff;
  background-image:radial-gradient(620px 300px at 88% 120%,rgba(248,0,255,.22),transparent 60%),
                   radial-gradient(720px 320px at 10% 0,rgba(51,153,137,.42),transparent 60%),
                   linear-gradient(180deg,#0B132B,#111C3A)}
.stat-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:1.5rem}
.stat{text-align:center;padding:1rem;border-right:1px solid rgba(255,255,255,.1)}
.stat:last-child{border-right:0}
.stat-num{display:block;font-size:clamp(2.4rem,5vw,3.4rem);font-weight:700;line-height:1;
  color:#fff;font-variant-numeric:tabular-nums;letter-spacing:-.02em}
.stat-num .pre,.stat-num .suf{color:#8ea3bd;font-size:.5em;font-weight:600}
.stat-num .suf{margin-left:1px}
.stat-label{display:block;margin-top:.8rem;color:#a9b8c9;font-size:.9rem;max-width:190px;margin-inline:auto}

/* ---------- Technology ---------- */
.technology{padding:6rem 0;background:var(--bg)}
.tech-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:3rem;align-items:start}
.tech-copy h2{font-size:clamp(1.6rem,3vw,2.2rem);margin:.6rem 0 1rem}
.tech-copy>p{color:var(--slate);font-size:1.05rem;max-width:560px}
.feature-list{list-style:none;margin:1.8rem 0 0;padding:0;display:grid;gap:1rem}
.feature-list li{display:flex;gap:1rem;padding:1.2rem 1.3rem;background:var(--bg-alt);
  border:1px solid var(--line);border-radius:var(--radius-sm);color:var(--ink);font-size:.98rem}
.fl-mark{flex:0 0 auto;width:14px;height:14px;border-radius:4px;margin-top:.35rem;
  background:linear-gradient(135deg,var(--accent),var(--magenta))}
.tech-quote{background:var(--navy);color:#fff;border-radius:var(--radius-lg);padding:2.4rem;
  position:sticky;top:96px;box-shadow:var(--shadow)}
.quote-lead{font-family:var(--serif);font-size:1.9rem;font-weight:500;color:#fff;margin:0 0 .8rem;line-height:1.15}
.quote-body{color:#bccbdc;font-size:1rem;margin:0 0 1.8rem}
.quote-partner{display:flex;align-items:center;gap:.8rem;border-top:1px solid rgba(255,255,255,.12);padding-top:1.3rem}
.quote-partner img{width:40px;height:40px;border-radius:9px;background:#fff;padding:5px;object-fit:contain}
.quote-partner span{font-size:.85rem;color:#c8d3e0;font-weight:500}

/* ---------- Audiences ---------- */
.audiences{padding:6rem 0;background:var(--bg-alt);border-top:1px solid var(--line)}
.audience-grid{display:grid;grid-template-columns:1fr 1fr;gap:1.8rem}
.audience{background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);padding:2.6rem}
.audience.dark{background:var(--navy);border-color:transparent;color:#fff}
.audience-tag{display:inline-block;font-size:.74rem;font-weight:700;text-transform:uppercase;
  letter-spacing:.12em;color:var(--accent);margin-bottom:1rem}
.audience.dark .audience-tag{color:var(--accent-2)}
.audience h3{font-size:1.6rem;margin-bottom:.7rem}
.audience.dark h3{color:#fff}
.audience p{color:var(--slate);margin-bottom:1.6rem}
.audience.dark p{color:#bccbdc}
.audience.dark strong{color:#fff}

/* ---------- Contact ---------- */
.contact{padding:6rem 0;background:var(--bg)}
.contact-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:3.5rem;align-items:start}
.contact-intro h2{font-size:clamp(1.7rem,3.4vw,2.4rem);margin:.6rem 0 1rem}
.contact-intro>p{color:var(--slate);font-size:1.05rem}
.contact-points{list-style:none;margin:1.6rem 0 0;padding:0;display:grid;gap:.8rem}
.contact-points li{position:relative;padding-left:1.7rem;color:var(--ink);font-weight:500}
.contact-points li::before{content:"";position:absolute;left:0;top:.35em;width:18px;height:18px;border-radius:50%;
  background:var(--accent-soft);
  background-image:linear-gradient(var(--accent),var(--accent));
  -webkit-mask:none}
.contact-points li::after{content:"\2713";position:absolute;left:3px;top:.05em;color:#fff;font-size:.7rem;font-weight:700;
  width:18px;text-align:center}
.contact-direct{display:flex;flex-wrap:wrap;gap:1.4rem;margin-top:1.6rem;padding-top:1.4rem;border-top:1px solid var(--line)}
.contact-direct a{display:inline-flex;align-items:center;gap:.5rem;font-weight:600;color:var(--navy);font-size:.98rem}
.contact-direct a:hover{color:var(--magenta-deep)}
.contact-direct .cd-ico{color:var(--accent)}
.footer-contact{display:flex;flex-direction:column;gap:.35rem;margin-top:1.1rem}
.footer-contact a{color:#c8d3e0;font-size:.92rem;font-weight:500}
.footer-contact a:hover{color:#fff}
.contact-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);
  padding:2.2rem;box-shadow:var(--shadow-sm)}
.lead-form .row{margin-bottom:1.1rem}
.lead-form .row.two{display:grid;grid-template-columns:1fr 1fr;gap:1rem}
.lead-form label{display:flex;flex-direction:column;gap:.4rem;font-size:.8rem;font-weight:600;color:var(--slate)}
.lead-form input,.lead-form textarea{font:inherit;color:var(--ink);background:var(--bg-alt);
  border:1.5px solid var(--line);border-radius:var(--radius-sm);padding:.8rem .9rem;transition:.18s}
.lead-form input::placeholder,.lead-form textarea::placeholder{color:var(--slate-2)}
.lead-form input:focus,.lead-form textarea:focus{outline:none;border-color:var(--accent);
  background:#fff;box-shadow:0 0 0 3px rgba(44,156,141,.18)}
.lead-form textarea{resize:vertical}
.form-note{margin:1rem 0 0;color:#0a7d54;font-weight:600;font-size:.95rem}
.form-fine{margin:.9rem 0 0;font-size:.78rem;color:var(--slate-2)}

/* ---------- Footer ---------- */
.site-footer{background:var(--navy);color:#aebeced}
.footer-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:2.5rem;padding:4.5rem 26px 3rem}
.footer-brand p{color:#93a6ba;font-size:.92rem;max-width:300px;margin-top:1.1rem}
.footer-logo{height:40px;width:auto}
.footer-col h4{color:#fff;font-size:.82rem;text-transform:uppercase;letter-spacing:.1em;margin-bottom:1rem}
.footer-col ul{list-style:none;margin:0;padding:0;display:grid;gap:.6rem}
.footer-col a{color:#a9b8c9;font-size:.92rem}
.footer-col a:hover{color:#fff}
.footer-bottom{border-top:1px solid rgba(255,255,255,.1)}
.footer-bottom .container{display:flex;justify-content:space-between;flex-wrap:wrap;gap:.5rem;padding-block:1.4rem}
.footer-bottom p{margin:0;font-size:.82rem;color:#7f92a7}

/* ---------- Reveal animation (progressive enhancement) ---------- */
/* Content is fully visible by default; only hidden once JS confirms it runs. */
.js .reveal{opacity:0;transform:translateY(18px);transition:opacity .6s ease,transform .6s ease}
.js .reveal.in-view{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){.js .reveal{opacity:1;transform:none;transition:none}html{scroll-behavior:auto}}

/* ---------- Responsive ---------- */
@media (max-width:980px){
  .hero-grid{grid-template-columns:1fr;gap:2.5rem}
  .hero-visual{max-width:560px}
  .steps{grid-template-columns:repeat(2,1fr)}
  .region-grid{grid-template-columns:1fr;gap:1.2rem}
  .stat-grid{grid-template-columns:repeat(2,1fr);gap:2rem}
  .stat{border-right:0}
  .tech-grid,.audience-grid,.contact-grid{grid-template-columns:1fr;gap:2rem}
  .tech-quote{position:static}
  .footer-grid{grid-template-columns:1fr 1fr}
}
@media (max-width:760px){
  .nav-toggle{display:flex}
  .site-nav{position:absolute;top:72px;left:0;right:0;flex-direction:column;align-items:stretch;gap:0;
    background:#fff;border-bottom:1px solid var(--line);max-height:0;overflow:hidden;transition:max-height .3s ease}
  .site-nav.open{max-height:360px}
  .site-nav ul{flex-direction:column;gap:0;padding:.5rem 26px}
  .site-nav ul li{border-bottom:1px solid var(--line-2)}
  .site-nav ul a{display:block;padding:.9rem 0}
  .nav-cta{margin:1rem 26px 1.2rem}
  .nav-toggle[aria-expanded="true"] span:nth-child(1){transform:translateY(7px) rotate(45deg)}
  .nav-toggle[aria-expanded="true"] span:nth-child(2){opacity:0}
  .nav-toggle[aria-expanded="true"] span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}
  .hero-facts{grid-template-columns:1fr;gap:1rem}
  .utility-inner{justify-content:center}
  .utility-meta{display:none}
}
@media (max-width:520px){
  .steps{grid-template-columns:1fr}
  .stat-grid{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr}
  .hero-card{left:0}
  .lead-form .row.two{grid-template-columns:1fr}
}