:root {
  --bg: #F3F4F6;
  --surface: #FFFFFF;
  --text: #111827;
  --muted: #6B7280;
  --primary: #9CA3AF;
  --secondary: #4B5563;
  --accent: #2563EB;
  --border: rgba(17, 24, 39, 0.12);
  --nav-bg: #111827;
  --hero-bg: #1F2937;
  --hero-sub-bg: #374151;
  --disclosure-bg: #0B0F14;
  --radius-sm: 6px;
  --radius-md: 10px;
  --radius-lg: 14px;
  --shadow-soft: 0 4px 24px rgba(17, 24, 39, 0.08);
  --shadow-card: 0 8px 32px rgba(17, 24, 39, 0.1);
  --max-width: 1280px;
  --finance-trust-accent: var(--accent);
  --banking-stable-line: rgba(17, 24, 39, 0.06);
}

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

html {
  scroll-behavior: smooth;
  overflow-x: hidden;
}

body {
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  background: var(--bg);
  color: var(--text);
  line-height: 1.6;
  min-height: 100vh;
  display: flex;
  flex-direction: column;
  overflow-x: hidden;
  background-image: linear-gradient(165deg, var(--bg) 0%, rgba(156, 163, 175, 0.15) 45%, var(--bg) 100%);
}

main {
  flex: 1 0 auto;
}

body::before {
  content: "";
  position: fixed;
  inset: 0;
  background: radial-gradient(ellipse 80% 50% at 20% 0%, rgba(37, 99, 235, 0.04), transparent 60%),
    radial-gradient(ellipse 60% 40% at 80% 100%, rgba(75, 85, 99, 0.06), transparent 55%);
  pointer-events: none;
  z-index: -1;
}

img {
  max-width: 100%;
  height: auto;
  display: block;
}

a {
  color: var(--accent);
  text-decoration: none;
}

a:hover {
  text-decoration: underline;
}

.disclosure-bar {
  background: var(--disclosure-bg);
  color: rgba(255, 255, 255, 0.92);
  font-size: 11px;
  text-align: center;
  padding: 10px 16px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
  line-height: 1.5;
  position: relative;
  z-index: 200;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 150;
  background: var(--nav-bg);
  height: 56px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}

.nav-inner {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 14px 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 100%;
  gap: 16px;
}

.nav-logo img {
  height: 32px;
  width: auto;
}

.nav-links {
  display: none;
  list-style: none;
  gap: 8px;
  flex-wrap: wrap;
  justify-content: flex-end;
}

.nav-links a {
  display: inline-block;
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.12);
  border-radius: var(--radius-sm);
  padding: 4px 14px;
  font-size: 12px;
  color: rgba(255, 255, 255, 0.9);
  text-decoration: none;
  transition: background 0.2s ease;
}

.nav-links a:hover {
  background: rgba(255, 255, 255, 0.16);
  text-decoration: none;
}

.nav-burger {
  display: flex;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 6px;
}

.nav-burger span {
  display: block;
  width: 22px;
  height: 2px;
  background: rgba(255, 255, 255, 0.9);
  transition: transform 0.25s ease, opacity 0.25s ease;
}

.nav-burger.open span:nth-child(1) {
  transform: translateY(7px) rotate(45deg);
}

.nav-burger.open span:nth-child(2) {
  opacity: 0;
}

.nav-burger.open span:nth-child(3) {
  transform: translateY(-7px) rotate(-45deg);
}

.nav-overlay {
  display: none;
  position: fixed;
  inset: 0;
  background: rgba(0, 0, 0, 0.5);
  z-index: 140;
}

.nav-overlay.open {
  display: block;
}

.mobile-nav {
  display: none;
  position: fixed;
  top: 56px;
  left: 0;
  right: 0;
  bottom: 0;
  background: var(--nav-bg);
  z-index: 145;
  padding: 24px;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  align-content: start;
  overflow-y: auto;
}

.mobile-nav.open {
  display: grid;
}

.mobile-nav a {
  display: flex;
  align-items: center;
  justify-content: center;
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.12);
  border-radius: var(--radius-sm);
  padding: 14px 10px;
  font-size: 13px;
  color: rgba(255, 255, 255, 0.92);
  text-align: center;
  text-decoration: none;
}

.mobile-nav a:hover {
  background: rgba(255, 255, 255, 0.16);
}

.site-footer {
  background: var(--nav-bg);
  color: rgba(255, 255, 255, 0.85);
  padding: 48px 24px 32px;
  margin-top: auto;
  flex-shrink: 0;
  position: relative;
}

.site-footer::before {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: linear-gradient(90deg, transparent, var(--primary), transparent);
}

.footer-inner {
  max-width: var(--max-width);
  margin: 0 auto;
}

.footer-top {
  display: flex;
  flex-wrap: wrap;
  gap: 32px;
  align-items: flex-start;
  justify-content: space-between;
  margin-bottom: 32px;
}

.footer-logo img {
  height: 36px;
  width: auto;
  opacity: 0.95;
}

.footer-badges {
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
  align-items: center;
}

.footer-badges a {
  display: block;
}

.footer-badges img {
  height: 48px;
  width: auto;
  opacity: 0.9;
  transition: opacity 0.2s;
}

.footer-badges img:hover {
  opacity: 1;
}

.footer-links {
  display: flex;
  flex-wrap: wrap;
  gap: 8px 20px;
  list-style: none;
  margin-bottom: 24px;
  padding-bottom: 24px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}

.footer-links a {
  color: rgba(255, 255, 255, 0.75);
  font-size: 13px;
  text-decoration: none;
}

.footer-links a:hover {
  color: #fff;
}

.footer-nz-disclosure {
  font-size: 11px;
  color: rgba(255, 255, 255, 0.55);
  line-height: 1.65;
  margin-bottom: 20px;
}

.footer-nz-disclosure a {
  color: rgba(255, 255, 255, 0.7);
}

.footer-copy {
  font-size: 12px;
  color: rgba(255, 255, 255, 0.4);
}

.footer-cookie-link {
  display: inline-block;
  margin-top: 12px;
  font-size: 12px;
  color: rgba(255, 255, 255, 0.55);
  cursor: pointer;
  background: none;
  border: none;
  text-decoration: underline;
  font-family: inherit;
}

.age-gate,
.cookie-banner {
  display: none;
  position: fixed;
  z-index: 1000;
}

.age-gate.active {
  display: flex;
  inset: 0;
  background: rgba(11, 15, 20, 0.88);
  align-items: center;
  justify-content: center;
  padding: 24px;
}

.age-gate-box {
  background: var(--surface);
  border-radius: var(--radius-lg);
  padding: 32px;
  max-width: 440px;
  width: 100%;
  box-shadow: var(--shadow-card);
  text-align: center;
}

.age-gate-box h2 {
  font-size: 1.35rem;
  margin-bottom: 12px;
  color: var(--text);
}

.age-gate-box p {
  color: var(--muted);
  font-size: 0.95rem;
  margin-bottom: 24px;
}

.age-gate-btns {
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.btn-primary {
  background: var(--accent);
  color: #fff;
  border: none;
  border-radius: var(--radius-sm);
  padding: 12px 24px;
  font-size: 0.95rem;
  font-weight: 600;
  cursor: pointer;
  font-family: inherit;
}

.btn-primary:hover {
  background: #1d4ed8;
}

.btn-secondary {
  background: transparent;
  color: var(--secondary);
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  padding: 12px 24px;
  font-size: 0.95rem;
  cursor: pointer;
  font-family: inherit;
}

.btn-secondary:hover {
  background: var(--bg);
}

.cookie-banner.active {
  display: block;
  bottom: 0;
  left: 0;
  right: 0;
  background: var(--surface);
  border-top: 1px solid var(--border);
  box-shadow: 0 -4px 24px rgba(17, 24, 39, 0.12);
  padding: 20px 24px;
}

.cookie-inner {
  max-width: var(--max-width);
  margin: 0 auto;
}

.cookie-inner > p {
  font-size: 0.9rem;
  color: var(--muted);
  margin-bottom: 16px;
}

.cookie-btns {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
}

.cookie-panel {
  display: none;
  margin-top: 16px;
  padding-top: 16px;
  border-top: 1px solid var(--border);
}

.cookie-panel.visible {
  display: block;
}

.cookie-panel p {
  font-size: 0.85rem;
  color: var(--muted);
  margin-bottom: 12px;
}

body.modal-open,
body.nav-open {
  overflow: hidden;
}

.legal-page {
  max-width: 800px;
  margin: 0 auto;
  padding: 48px 24px 64px;
}

.legal-page h1 {
  font-size: 2rem;
  margin-bottom: 16px;
  color: var(--text);
}

.legal-page h2 {
  font-size: 1.25rem;
  margin: 32px 0 12px;
  color: var(--secondary);
}

.legal-page h3 {
  font-size: 1.05rem;
  margin: 20px 0 8px;
}

.legal-page p {
  margin-bottom: 14px;
  color: var(--secondary);
}

.legal-page ul {
  margin: 0 0 16px 20px;
  color: var(--secondary);
}

.legal-page li {
  margin-bottom: 6px;
}

.page-hero-strip {
  background: var(--hero-bg);
  padding: 32px 24px;
  text-align: center;
}

.page-hero-strip h1 {
  color: #fff;
  font-size: clamp(1.5rem, 4vw, 2.25rem);
  font-weight: 700;
}

.contact-form-wrap {
  margin-top: 32px;
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 28px;
  box-shadow: var(--shadow-soft);
}

.contact-form-wrap label {
  display: block;
  font-size: 0.9rem;
  font-weight: 600;
  margin-bottom: 6px;
  color: var(--text);
}

.contact-form-wrap input,
.contact-form-wrap textarea {
  width: 100%;
  padding: 10px 14px;
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  font-size: 0.95rem;
  font-family: inherit;
  margin-bottom: 16px;
  background: var(--bg);
  color: var(--text);
}

.contact-form-wrap textarea {
  min-height: 140px;
  resize: vertical;
}

.form-error {
  display: none;
  color: #dc2626;
  font-size: 0.85rem;
  margin-top: -12px;
  margin-bottom: 12px;
}

.form-error.visible {
  display: block;
}

.contact-form.hidden {
  display: none;
}

.contact-success {
  display: none;
  padding: 24px;
  background: rgba(37, 99, 235, 0.08);
  border: 1px solid rgba(37, 99, 235, 0.2);
  border-radius: var(--radius-md);
  color: var(--secondary);
}

.contact-success.visible {
  display: block;
}

.go-page {
  min-height: 100vh;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 48px 24px;
  text-align: center;
}

.go-page > div {
  max-width: 480px;
}

.go-ad {
  display: inline-block;
  font-size: 0.75rem;
  font-weight: 700;
  color: var(--muted);
  margin-bottom: 20px;
  letter-spacing: 0.05em;
}

.go-spinner {
  width: 40px;
  height: 40px;
  border: 3px solid var(--border);
  border-top-color: var(--accent);
  border-radius: 50%;
  margin: 0 auto 24px;
  animation: spin 0.8s linear infinite;
}

@keyframes spin {
  to {
    transform: rotate(360deg);
  }
}

.go-page h1 {
  font-size: 1.5rem;
  margin-bottom: 12px;
}

.go-page p {
  color: var(--muted);
  margin-bottom: 20px;
}

.go-compliance {
  font-size: 0.85rem;
  color: var(--muted);
  text-align: left;
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 16px;
}

.go-compliance p {
  margin-bottom: 8px;
}

.go-compliance p:last-child {
  margin-bottom: 0;
}

.error-page {
  min-height: 60vh;
  display: flex;
  align-items: center;
  justify-content: center;
  text-align: center;
  padding: 48px 24px;
}

.error-page h1 {
  font-size: 4rem;
  color: var(--primary);
  margin-bottom: 8px;
}

.error-page p {
  color: var(--muted);
  margin-bottom: 24px;
}

.trust-signal-row {
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
  margin-top: 20px;
}

.trust-signal-item {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.85rem;
  color: var(--muted);
}

.trust-signal-icon {
  width: 28px;
  height: 28px;
  background: rgba(37, 99, 235, 0.1);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 14px;
}

.finance-trust-badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 0.8rem;
  color: var(--muted);
  background: rgba(156, 163, 175, 0.12);
  padding: 4px 10px;
  border-radius: var(--radius-sm);
}

.secure-stable-note {
  font-size: 0.85rem;
  color: var(--muted);
  border-left: 3px solid var(--finance-trust-accent);
  padding-left: 12px;
  margin-top: 16px;
}

.banking-trust-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(140px, 1fr));
  gap: 12px;
  margin-top: 16px;
}

@media (min-width: 900px) {
  .nav-links {
    display: flex;
  }

  .nav-burger {
    display: none;
  }
}

@media (max-width: 599px) {
  .footer-top {
    flex-direction: column;
  }
}