/* Beyond Borders Finance: BBMc CI family (petrol navy + steel, two-tone Poppins heads) */
@font-face{font-family:"Poppins";font-weight:400;font-style:normal;font-display:swap;src:url(../fonts/poppins-400.woff2) format("woff2")}
@font-face{font-family:"Poppins";font-weight:600;font-style:normal;font-display:swap;src:url(../fonts/poppins-600.woff2) format("woff2")}

:root{
  --navy:#294152;--navy-deep:#213442;--navy-ink:#162531;
  --steel:#629CC5;--steel-light:#7FB0D0;--slate:#8497B0;--pale:#EEF3F8;--pale-2:#DCE7F1;
  --gold:#E3B341;--body:#4F5D68;--white:#fff;
  --head:"Poppins","Segoe UI Semibold","Segoe UI",system-ui,sans-serif;
  --text:"Segoe UI","Calibri","Candara",system-ui,-apple-system,sans-serif;
  --wrap:1160px;--gutter:clamp(16px,4vw,40px);--radius:18px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;background:var(--white);color:var(--body);font:400 1.0625rem/1.65 var(--text);overflow-x:hidden}
img{max-width:100%;height:auto;display:block}
a{color:var(--navy)}
:focus-visible{outline:3px solid var(--steel);outline-offset:3px;border-radius:6px}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 var(--gutter)}
.skip{position:absolute;left:-9999px}.skip:focus{left:16px;top:12px;z-index:50;background:var(--white);padding:8px 14px}

h1,h2,h3{font-family:var(--head);font-weight:600;color:var(--navy);line-height:1.15;margin:0 0 .5em;letter-spacing:-.01em}
h1{font-size:clamp(2.2rem,5.2vw,3.9rem)}
h2{font-size:clamp(1.75rem,3.6vw,2.7rem)}
h3{font-size:1.3rem}
.tone{color:var(--steel)}
h1 .tone{display:block}
.on-navy h1,.on-navy h2,.on-navy h3{color:var(--white)}
.on-navy .tone{color:var(--steel-light)}
.lead{font-size:clamp(1.1rem,1.6vw,1.3rem);max-width:38em}
.pill{display:inline-block;font:600 .74rem/1 var(--head);letter-spacing:.16em;text-transform:uppercase;background:var(--navy);color:var(--white);padding:.62em 1.1em;border-radius:999px;margin-bottom:1.3rem}
.on-navy .pill{background:var(--white);color:var(--navy)}

.btn{display:inline-flex;align-items:center;gap:.5em;font:600 1rem/1 var(--head);text-decoration:none;padding:1em 1.5em;border-radius:999px;border:2px solid var(--navy);transition:background .2s,color .2s,transform .2s}
.btn-primary{background:var(--navy);color:var(--white)}
.btn-primary:hover{background:var(--navy-deep);transform:translateY(-1px)}
.btn-ghost{color:var(--navy);background:transparent}
.btn-ghost:hover{background:var(--pale)}
.on-navy .btn-primary{background:var(--white);color:var(--navy);border-color:var(--white)}
.on-navy .btn-ghost{color:var(--white);border-color:rgba(255,255,255,.6)}
.on-navy .btn-ghost:hover{background:rgba(255,255,255,.08)}
.actions{display:flex;flex-wrap:wrap;gap:.8rem;margin-top:1.8rem}

/* header */
.site-head{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.94);backdrop-filter:saturate(1.4) blur(8px);border-bottom:1px solid var(--pale-2)}
.site-head .wrap{display:flex;align-items:center;justify-content:space-between;gap:1rem;min-height:72px}
.brand{display:flex;align-items:center;gap:.7rem;text-decoration:none;color:var(--navy)}
.brand img{width:46px;height:auto}
.brand span{font:600 1.02rem/1.1 var(--head)}
.brand small{display:block;font:400 .72rem/1.2 var(--text);color:var(--slate);letter-spacing:.06em;text-transform:uppercase}
.nav{display:flex;align-items:center;gap:1.4rem}
.nav a{font:600 .92rem/1 var(--head);text-decoration:none;color:var(--navy)}
.nav a:hover{color:var(--steel)}
.lang{display:flex;gap:.25rem;font:600 .8rem/1 var(--head)}
.lang a,.lang span{padding:.45em .6em;border-radius:8px;text-decoration:none}
.lang span{background:var(--navy);color:var(--white)}
.nav .btn{padding:.7em 1.1em;font-size:.88rem}
.nav .btn-primary,.nav .btn-primary:hover{color:var(--white)}
@media (max-width:880px){.nav .navlink{display:none}}
@media (max-width:520px){.nav .btn{display:none}.brand small{display:none}}

/* hero */
.hero{position:relative;padding:clamp(48px,8vw,104px) 0 clamp(40px,6vw,80px);overflow:hidden}
.hero::before{content:"";position:absolute;left:0;top:0;bottom:0;width:clamp(8px,1.2vw,16px);background:var(--navy)}
.hero .wrap{display:grid;grid-template-columns:1.25fr .75fr;gap:clamp(24px,4vw,56px);align-items:center}
.hero-art{position:relative;justify-self:center;width:min(100%,380px)}
.hero-art::before{content:"";position:absolute;inset:12% -6% 0;border-radius:50%;background:radial-gradient(circle at 50% 45%,var(--pale-2),rgba(238,243,248,0) 68%)}
.hero-art img{position:relative;filter:drop-shadow(0 24px 34px rgba(22,37,49,.28))}
.hero .proof{display:flex;flex-wrap:wrap;gap:.5rem 1.4rem;margin-top:2rem;padding:0;list-style:none;font:600 .86rem/1.3 var(--head);color:var(--navy)}
.hero .proof li::before{content:"";display:inline-block;width:.55em;height:.55em;border-radius:50%;background:var(--steel);margin-right:.5em;vertical-align:.08em}
@media (max-width:860px){.hero .wrap{grid-template-columns:1fr}.hero-art{width:min(46%,190px);order:-1;justify-self:start}}

/* statement band */
.band{background:var(--navy);color:#DCE6EE;padding:clamp(56px,8vw,96px) 0;position:relative;overflow:hidden}
.band .wrap{position:relative}
.band h2{max-width:22em}
.band .cols{display:grid;grid-template-columns:repeat(3,1fr);gap:clamp(18px,3vw,36px);margin-top:2.4rem}
.band .cols p{margin:0;border-top:2px solid var(--steel);padding-top:1rem}
.band .cols strong{display:block;font:600 1.08rem/1.3 var(--head);color:var(--white);margin-bottom:.35rem}
.band .note{margin-top:2.2rem;font-size:.86rem;color:var(--slate)}
.band .note a{color:var(--steel-light)}
@media (max-width:760px){.band .cols{grid-template-columns:1fr}}

/* sections */
.section{padding:clamp(64px,9vw,112px) 0}
.section-head{max-width:46em;margin-bottom:clamp(28px,4vw,48px)}
.alt{background:var(--pale)}

/* pillars */
.pillars{display:grid;grid-template-columns:repeat(3,1fr);gap:clamp(16px,2.4vw,28px)}
.pillar{background:var(--white);border:1px solid var(--pale-2);border-radius:var(--radius);padding:28px 26px 26px;display:flex;flex-direction:column;box-shadow:0 1px 0 rgba(41,65,82,.04)}
.pillar .art{height:150px;display:flex;align-items:flex-end;margin-bottom:1.1rem}
.pillar .art img{height:150px;width:auto;filter:drop-shadow(0 12px 16px rgba(22,37,49,.22))}
.pillar .kicker{font:600 .74rem/1 var(--head);letter-spacing:.14em;text-transform:uppercase;color:var(--steel);margin-bottom:.6rem}
.pillar ul{margin:.4rem 0 1.2rem;padding-left:1.1rem}
.pillar li{margin:.3rem 0}
.pillar .measure{margin-top:auto;padding-top:1rem;border-top:1px dashed var(--pale-2);font-size:.92rem}
.pillar .measure b{font-family:var(--head);font-weight:600;color:var(--navy)}
@media (max-width:960px){.pillars{grid-template-columns:1fr 1fr}}
@media (max-width:640px){.pillars{grid-template-columns:1fr}}

/* method: steel circle row (CI motif) */
.method{display:grid;grid-template-columns:repeat(4,1fr);gap:clamp(14px,2vw,24px);counter-reset:step;list-style:none;padding:0;margin:0}
.method li{position:relative;text-align:center;padding:0 6px}
.method li::after{content:"";position:absolute;top:58px;left:calc(50% + 66px);right:calc(-50% + 66px);height:2px;background:var(--pale-2)}
.method li:last-child::after{display:none}
.circle{width:116px;height:116px;border-radius:50%;margin:0 auto 1.1rem;display:grid;place-items:center;background:var(--steel-light);color:var(--white);font:600 1.02rem/1.15 var(--head);padding:12px;box-shadow:inset 0 -6px 0 rgba(41,65,82,.12)}
.method li:nth-child(1) .circle{background:var(--navy)}
.method li:nth-child(2) .circle{background:#3F6683}
.method li:nth-child(3) .circle{background:var(--steel)}
.method h3{font-size:1.06rem;margin-bottom:.35rem}
.method p{margin:0;font-size:.96rem}
@media (max-width:820px){.method{grid-template-columns:1fr 1fr;row-gap:2rem}.method li::after{display:none}}
@media (max-width:420px){.method{grid-template-columns:1fr}}

/* offer */
.offers{display:grid;grid-template-columns:repeat(3,1fr);gap:clamp(16px,2.4vw,28px);align-items:stretch}
.offer{border-radius:var(--radius);padding:30px 26px;background:var(--white);border:1px solid var(--pale-2);display:flex;flex-direction:column}
.offer.feature{background:var(--navy);border-color:var(--navy);color:#DCE6EE}
.offer.feature h3{color:var(--white)}
.offer .term{font:600 .78rem/1 var(--head);letter-spacing:.12em;text-transform:uppercase;color:var(--steel);margin-bottom:.7rem}
.offer.feature .term{color:var(--steel-light)}
.offer .price{font:600 1rem/1.3 var(--head);color:var(--navy);margin:1rem 0 0;padding-top:1rem;border-top:1px solid var(--pale-2)}
.offer.feature .price{color:var(--white);border-color:rgba(255,255,255,.18)}
.offer p{margin:.2rem 0}
.offer ul{margin:.6rem 0 0;padding-left:1.1rem}
.offer .spacer{flex:1}
@media (max-width:900px){.offers{grid-template-columns:1fr}}

/* why + not */
.split{display:grid;grid-template-columns:1fr 1fr;gap:clamp(24px,4vw,56px)}
.facts{list-style:none;padding:0;margin:0;display:grid;gap:1rem}
.facts li{display:grid;grid-template-columns:44px 1fr;gap:.9rem;align-items:start}
.facts .dot{width:44px;height:44px;border-radius:50%;background:var(--navy);color:var(--white);display:grid;place-items:center;font:600 .95rem/1 var(--head)}
.facts strong{font-family:var(--head);font-weight:600;color:var(--navy);display:block}
.not{align-self:start;background:var(--white);border:1px solid var(--pale-2);border-left:6px solid var(--gold);border-radius:var(--radius);padding:28px}
.not h3{margin-bottom:.8rem}
.not ul{margin:0;padding-left:1.1rem}
.not li{margin:.45rem 0}
@media (max-width:820px){.split{grid-template-columns:1fr}}

/* closing */
.closing{background:var(--navy-deep);color:#DCE6EE;position:relative;overflow:hidden}
.closing .ocean{height:clamp(120px,18vw,220px);background:url(../img/ocean.webp) center/cover no-repeat;opacity:.9}
.closing .wrap{display:grid;grid-template-columns:1.1fr .9fr;gap:clamp(24px,4vw,56px);padding-top:clamp(48px,7vw,88px);padding-bottom:clamp(48px,7vw,88px);align-items:center}
.lockup{font:600 clamp(2rem,4.4vw,3.2rem)/1.05 var(--head);color:var(--white);margin:0 0 .4em}
.lockup .tone{display:block}
.contact{list-style:none;margin:0;padding:0}
.contact li{border-bottom:1px solid rgba(255,255,255,.22);padding:.85rem 0;display:flex;justify-content:space-between;gap:1rem;flex-wrap:wrap}
.contact span{font:600 .76rem/1.6 var(--head);letter-spacing:.12em;text-transform:uppercase;color:var(--slate)}
.contact a{color:var(--white);text-decoration:none;font:600 1rem/1.5 var(--head);overflow-wrap:normal;text-align:right}
.contact a:hover{color:var(--steel-light)}
@media (max-width:820px){.closing .wrap{grid-template-columns:1fr}}

.site-foot{background:var(--navy-ink);color:#9FB0BE;font-size:.86rem;padding:24px 0}
.site-foot .wrap{display:flex;flex-wrap:wrap;justify-content:space-between;gap:.6rem 1.4rem}
.site-foot a{color:#C9D6E0}

@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}.btn{transition:none}}