(kept visually the size of a normal h2 via .page-title, so it doesn't read like a second hero), subsections are

/*
  Coinage Micro Finance — one-pager stylesheet (Spec 11, v2 expanded).

  Palette, type and the "greek-key divider" signature motif all come from
  the design plan in specs/11-one-pager-website.md: gold-on-navy lifted from
  the brand's own emblem (Greek-key ring + laurel wreath), not a generic
  fintech blue. Dark mode matches the brochure's native look; light mode
  keeps the same hues but swaps body surfaces to parchment/white so text
  stays readable, while the header/footer/CTA bands stay navy+gold in BOTH
  themes so the brand still reads as itself in light mode.
*/

/* ---------- Theme tokens ---------- */
:root {
  --navy-950: #0a1220;
  --navy-800: #14243a;
  --gold-500: #c9a227;
  --gold-300: #e7c766;
  --ivory-50: #f7f2e7;
  --ink-900: #1f2933;

  --font-display: 'Cinzel', Georgia, 'Times New Roman', serif;
  --font-body: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Helvetica, Arial, sans-serif;

  --radius: 10px;
  --wrap-width: 1120px;

  /* Default (unset) falls back to the OS preference via the media query
     below; script.js only writes color-scheme-light/dark onto <html> once
     the visitor makes an explicit choice, overriding this default. */
  color-scheme: light dark;
}

/* Dark theme — the brochure-matching default look. */
:root,
:root[data-theme="dark"] {
  --bg: var(--navy-950);
  --surface: var(--navy-800);
  --surface-border: #24314a;
  --text: var(--ivory-50);
  --text-muted: #a9b6c9;
  --gold-onbg: var(--gold-500);
  --gold-strong: var(--gold-300);
  /* Band tokens: the hero, "Why Trust Us", repeat CTA and footer all sit on
     this navy "band" background instead of the page's normal --bg/--surface,
     so they need their own text/surface/border set that also flips with the
     theme (see light block below) — used by .hero, .section--band,
     .cta-band, .site-footer and their children. */
  --band-bg: var(--navy-950);
  --band-text: var(--ivory-50);
  --band-text-muted: #cdd7e3;
  --band-text-subtle: #93a1b5;
  --band-surface: var(--navy-800);
  --band-surface-hover: #182a44;
  --band-border: #1c2c45;
  /* Same greek-key tile as the hero background (see .hero::before) — shared
     via a custom property so every dark-theme section reads as one
     continuous banner instead of the hero looking like a one-off treatment.
     Light theme's ivory/white surfaces don't get it (set to none below). */
  --section-pattern: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='56' height='28' viewBox='0 0 56 28'%3E%3Cpath d='M0 24 H16 V4 H32 V24 H48 V4 H56' fill='none' stroke='%23c9a227' stroke-opacity='0.1' stroke-width='2.5'/%3E%3C/svg%3E");
}

/* Light theme — same hues, surfaces flipped to parchment/white for contrast.
   Band sections flip too: navy would otherwise stay navy in "light" mode,
   which is the exact bug this block fixes (hero/Why Trust Us/CTA band/
   footer used to stay hardcoded navy no matter the theme). */
:root[data-theme="light"] {
  --bg: var(--ivory-50);
  --surface: #ffffff;
  --surface-border: #e7ddc9;
  --text: var(--ink-900);
  --text-muted: #5b6672;
  --gold-onbg: #7a5c0d; /* deepened gold — #c9a227 fails AA (4.5:1) as text on light bg; this hits ~5.6:1 */
  --gold-strong: #6e5410;
  --band-bg: var(--ivory-50);
  --band-text: var(--ink-900);
  --band-text-muted: #5b6672;
  --band-text-subtle: #5b6672;
  --band-surface: #ffffff;
  --band-surface-hover: #f2ece0;
  --band-border: #e7ddc9;
  /* Same greek-key tile as dark theme, same gold-500 line color (kept on-
     brand rather than switching to navy), but stroke-opacity raised from
     0.1 to 0.15: gold-on-navy and gold-on-ivory sit at very different
     lightness distances, so the dark theme's 0.1 nearly disappears against
     the light surfaces — 0.15 restores a comparably subtle (not muddy)
     delta from the page background. */
  --section-pattern: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='56' height='28' viewBox='0 0 56 28'%3E%3Cpath d='M0 24 H16 V4 H32 V24 H48 V4 H56' fill='none' stroke='%23c9a227' stroke-opacity='0.15' stroke-width='2.5'/%3E%3C/svg%3E");
}

@media (prefers-color-scheme: light) {
  :root:not([data-theme="dark"]):not([data-theme="light"]) {
    --bg: var(--ivory-50);
    --surface: #ffffff;
    --surface-border: #e7ddc9;
    --text: var(--ink-900);
    --text-muted: #5b6672;
    --gold-onbg: #7a5c0d;
    --gold-strong: #6e5410;
    --band-bg: var(--ivory-50);
    --band-text: var(--ink-900);
    --band-text-muted: #5b6672;
    --band-text-subtle: #5b6672;
    --band-surface: #ffffff;
    --band-surface-hover: #f2ece0;
    --band-border: #e7ddc9;
    --section-pattern: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='56' height='28' viewBox='0 0 56 28'%3E%3Cpath d='M0 24 H16 V4 H32 V24 H48 V4 H56' fill='none' stroke='%23c9a227' stroke-opacity='0.15' stroke-width='2.5'/%3E%3C/svg%3E");
  }
}

/* ---------- Reset / base ---------- */
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  * {
    animation-duration: 0.01ms !important;
    animation-delay: 0s !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
  }
}

body {
  margin: 0;
  background-color: var(--bg);
  /* --section-pattern flips between the dark and light greek-key tiles (see
     theme tokens above) — ties the About/Team/Plans/Reviews/Contact
     sections' background to the same texture as the hero so the whole page
     reads as one consistent banner rather than a single decorated section,
     in either theme. */
  background-image: var(--section-pattern);
  background-repeat: repeat;
  color: var(--text);
  font-family: var(--font-body);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

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

a { color: inherit; }

h1, h2, h3 {
  font-family: var(--font-display);
  line-height: 1.25;
  margin: 0 0 0.5em;
  font-weight: 600;
}

h1 { font-size: clamp(1.9rem, 4.5vw, 3rem); }
h2 { font-size: clamp(1.5rem, 3vw, 2.1rem); }
h3 { font-size: 1.15rem; }

p { margin: 0 0 1em; color: var(--text-muted); }

/* Anchor targets sit under the sticky header — without this, jumping to a
   section via nav/footer links hides its heading behind the header bar. */
section[id] { scroll-margin-top: 84px; }

.wrap {
  max-width: var(--wrap-width);
  margin: 0 auto;
  padding: 0 24px;
}

/* Visible focus ring everywhere — quality bar requirement, not optional. */
a:focus-visible,
button:focus-visible {
  outline: 3px solid var(--gold-strong);
  outline-offset: 3px;
  border-radius: 4px;
}

.skip-link {
  position: absolute;
  left: -999px;
  top: auto;
  background: var(--gold-500);
  color: var(--navy-950);
  padding: 10px 16px;
  font-weight: 600;
  z-index: 100;
}
.skip-link:focus {
  left: 16px;
  top: 16px;
}

/* Visually hidden but still readable by screen readers — used for the hero
   carousel's "now showing" live-region announcement. */
.sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  text-decoration: none;
  font-weight: 600;
  border-radius: 999px;
  padding: 12px 28px;
  border: 2px solid var(--gold-500);
  transition: transform 0.15s ease, background 0.15s ease;
  cursor: pointer;
}
.btn--primary {
  background: var(--gold-500);
  color: var(--navy-950);
}
.btn--primary:hover { background: var(--gold-300); }
.btn--large { padding: 16px 36px; font-size: 1.05rem; }
.btn--small {
  padding: 8px 18px;
  font-size: 0.9rem;
  background: transparent;
  /* Header-only button; the header stays hardcoded navy in every theme
     (unlike the hero/Why Trust Us/CTA band/footer), so this stays a fixed
     light color instead of following --band-text. */
  color: var(--ivory-50);
  border-color: var(--gold-500);
}
.btn--small:hover { background: var(--gold-500); color: var(--navy-950); }
/* Ghost: outlined on dark bands (hero), no fill until hover. */
.btn--ghost {
  background: transparent;
  color: inherit;
  border-color: currentColor;
}
.btn--ghost:hover { background: rgba(201, 162, 39, 0.15); border-color: var(--gold-500); }
/* Outline: used on plan cards sitting on the page's normal surface. */
.btn--outline {
  background: transparent;
  color: var(--gold-onbg);
  border-color: var(--gold-onbg);
  align-self: flex-start;
}
.btn--outline:hover { background: var(--gold-onbg); color: var(--surface); }
.btn:hover { transform: translateY(-1px); }
@media (prefers-reduced-motion: reduce) {
  .btn:hover { transform: none; }
}

/* ---------- Header ---------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: var(--navy-950);
  border-bottom: 1px solid #1c2c45;
}
.site-header__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding-top: 14px;
  padding-bottom: 14px;
}
.site-header__actions {
  display: flex;
  align-items: center;
  gap: 14px;
}

/* Header/footer logo lockup — coinage_logo.png is just the circular seal
   (no brand-name text baked in, unlike the old wide logo_new_2.png lockup),
   so the "Coinage Micro Finance Pvt. Ltd." wordmark here is real HTML text
   sitting next to the icon rather than baked into the raster image: sharp
   at any size/DPI, and it can follow the theme tokens like everything else. */
.brand-logo {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  flex-shrink: 0;
  text-decoration: none;
}
.brand-logo img { display: block; height: 48px; width: auto; }
.brand-logo--footer img { height: 64px; }
.brand-logo__text {
  display: flex;
  flex-direction: column;
  line-height: 1.2;
}
.brand-logo__name { font-family: var(--font-display); font-weight: 700; }
/* Header stays hardcoded navy in every theme (see .site-header), so its
   wordmark text is a fixed light/gold pair rather than the theme-aware
   --band-text tokens used in the footer variant below. */
.site-header .brand-logo__name { color: var(--gold-300); font-size: 1.05rem; }
.brand-logo__tagline { font-size: 0.66rem; letter-spacing: 0.02em; color: #cdd7e3; }
/* Footer flips with the theme (see .site-footer), so its wordmark uses the
   same band tokens as the rest of the footer instead of a fixed color. */
.site-footer .brand-logo__name { color: var(--gold-strong); font-size: 1.15rem; }

/* ---------- Primary nav ---------- */
.site-nav__list {
  list-style: none;
  display: flex;
  gap: 28px;
  margin: 0;
  padding: 0;
}
.site-nav__list a {
  text-decoration: none;
  color: #cdd7e3;
  font-size: 0.92rem;
  font-weight: 500;
  padding: 6px 2px;
  border-bottom: 2px solid transparent;
}
.site-nav__list a:hover { color: var(--gold-300); border-bottom-color: var(--gold-500); }

.nav-toggle {
  display: none;
  width: 38px;
  height: 38px;
  border-radius: 8px;
  border: 2px solid var(--gold-500);
  background: transparent;
  cursor: pointer;
  padding: 0;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 4px;
}
.nav-toggle__bar {
  display: block;
  width: 18px;
  height: 2px;
  background: var(--gold-500);
}

.theme-toggle {
  width: 38px;
  height: 38px;
  border-radius: 50%;
  border: 2px solid var(--gold-500);
  background: transparent;
  cursor: pointer;
  display: grid;
  place-items: center;
  padding: 0;
  flex-shrink: 0;
}
/* Sun/moon are two separate SVG icons (Feather-style outline, 2px stroke)
   rather than one shape faked with an inset shadow — the old crescent-cutout
   trick rendered as a half-filled blob in one state and a solid filled dot
   in the other, which read as inconsistent rather than as two icons of the
   same family. Only one is shown at a time, matching the current theme
   (moon while dark, sun while light), toggled the same way the color
   tokens above are: by [data-theme], falling back to the OS preference
   when the visitor hasn't chosen explicitly. */
.theme-toggle__icon {
  width: 18px;
  height: 18px;
  stroke: var(--gold-500);
}
.theme-toggle__icon--sun { display: none; }
.theme-toggle__icon--moon { display: block; }

:root[data-theme="light"] .theme-toggle__icon--sun { display: block; }
:root[data-theme="light"] .theme-toggle__icon--moon { display: none; }

@media (prefers-color-scheme: light) {
  :root:not([data-theme="dark"]):not([data-theme="light"]) .theme-toggle__icon--sun { display: block; }
  :root:not([data-theme="dark"]):not([data-theme="light"]) .theme-toggle__icon--moon { display: none; }
}

/* Mobile nav: collapse the inline list into a dropdown panel under the
   header, toggled by the hamburger button (behavior in script.js). */
@media (max-width: 980px) {
  .nav-toggle { display: flex; }
  .site-nav {
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    background: var(--navy-950);
    border-bottom: 1px solid #1c2c45;
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.2s ease;
  }
  .site-nav.is-open { max-height: 320px; }
  .site-nav__list {
    flex-direction: column;
    gap: 0;
    padding: 8px 24px 16px;
  }
  .site-nav__list a { display: block; padding: 12px 0; border-bottom: 1px solid #1c2c45; }
  @media (prefers-reduced-motion: reduce) {
    .site-nav { transition: none; }
  }
}

/* ---------- Greek-key divider (signature element) ----------
   A tileable meander pattern lifted from the emblem's own ring detail,
   rendered as a repeating inline SVG background rather than a raster image
   — crisp at any width/DPI and adds no extra network request. */
.greek-divider {
  height: 14px;
  width: 100%;
  background-color: var(--band-bg);
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='28' height='14' viewBox='0 0 28 14'%3E%3Cpath d='M0 12 H8 V2 H16 V12 H24 V2 H28' fill='none' stroke='%23c9a227' stroke-width='2'/%3E%3C/svg%3E");
  background-repeat: repeat-x;
  background-position: center;
}

/* ---------- Hero ---------- */
/* position:relative + overflow:hidden turns the section into a containing
   block for the ::before background layer below, and guarantees the tiled
   pattern can never push the page wider than the viewport at narrow widths. */
.hero {
  background: var(--band-bg);
  color: var(--band-text);
  text-align: center;
  padding: 64px 0 0;
  position: relative;
  overflow: hidden;
}
/* Banner background: a soft gold glow centered behind the headline, plus the
   brand's greek-key ring motif (same path as .greek-divider, scaled up) tiled
   at near-invisible opacity as texture. Both are baked as a single pseudo-
   element so no extra markup/DOM node is needed for a purely decorative
   layer. Opacity is baked into the SVG's stroke-opacity (not a CSS opacity
   on the whole layer) so the gold glow underneath can stay a touch stronger
   than the line pattern. */
.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  z-index: 0;
  pointer-events: none;
  background-image:
    radial-gradient(ellipse 60% 55% at 50% 26%, rgba(201, 162, 39, 0.18), transparent 70%),
    url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='56' height='28' viewBox='0 0 56 28'%3E%3Cpath d='M0 24 H16 V4 H32 V24 H48 V4 H56' fill='none' stroke='%23c9a227' stroke-opacity='0.1' stroke-width='2.5'/%3E%3C/svg%3E");
  background-repeat: no-repeat, repeat;
  background-position: center top, top left;
}
/* Simplify the pattern on small screens — a finer tile reads as texture
   rather than a busy repeating shape on a narrow headline column. */
@media (max-width: 640px) {
  .hero::before { background-size: 100% 100%, 34px 17px; }
}
/* Everything visible in the hero sits in a stacking context above the
   ::before background layer (both content columns are non-positioned
   in-flow elements, which paint below a positioned z-index:0 sibling
   unless given their own stacking context here). */
.hero__inner,
.hero > .greek-divider {
  position: relative;
  z-index: 1;
}
.hero__inner { padding-bottom: 48px; }
.hero__headline { color: var(--band-text); max-width: 18ch; margin-left: auto; margin-right: auto; }
.hero__subhead { color: var(--band-text-muted); max-width: 56ch; margin: 0 auto 32px; }
.hero__actions {
  display: flex;
  align-items: center;
  gap: 16px;
  justify-content: center;
  flex-wrap: wrap;
  margin-bottom: 40px;
  color: var(--band-text);
}

/* Hero entrance animation — headline/CTA/badges fade + rise in on load,
   staggered slightly so they don't all pop at once. The global
   prefers-reduced-motion rule above forces animation-duration/delay to ~0,
   so reduced-motion visitors see the final state immediately with no
   perceptible motion or wait. */
@keyframes hero-fade-up {
  from { opacity: 0; transform: translateY(14px); }
  to { opacity: 1; transform: translateY(0); }
}
.hero .eyebrow,
.hero__headline,
.hero__subhead,
.hero__actions,
.play-badge,
.hero__visual,
.trust-badges,
.hero__footnote {
  animation: hero-fade-up 0.7s ease both;
}
.hero .eyebrow { animation-delay: 0s; }
.hero__headline { animation-delay: 0.08s; }
.hero__subhead { animation-delay: 0.16s; }
.hero__actions { animation-delay: 0.24s; }
.play-badge { animation-delay: 0.3s; }
.hero__visual { animation-delay: 0.32s; }
.trust-badges { animation-delay: 0.4s; }
.hero__footnote { animation-delay: 0.46s; }

/* ---------- Hero two-column layout + download badge ----------
   Mobile-first: single centered column (.hero-carousel card in normal flow)
   until the min-width:900px block turns it into a left-text / right-card
   banner layout. */
.hero__visual { margin: 0 0 32px; }

/* Static text framing around the carousel card — gives the right side its
   own small "banner" identity (kicker + title above, a plain-text follow-up
   link below) instead of a lone number floating in empty space. */
.hero-visual__eyebrow {
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold-strong);
  text-align: center;
  margin: 0 0 6px;
}
.hero-visual__title {
  font-family: var(--font-display);
  font-size: 1.1rem;
  color: var(--band-text);
  text-align: center;
  margin: 0 0 18px;
}
.hero-visual__link {
  display: block;
  text-align: center;
  margin-top: 20px;
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--gold-strong);
  text-decoration: none;
}
.hero-visual__link:hover,
.hero-visual__link:focus-visible {
  color: var(--gold-onbg);
  text-decoration: underline;
}

/* Now the hero's one and only download CTA (see the comment above the
   markup) — sized and weighted like a primary button, not a quiet
   afterthought pill. */
.play-badge {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  padding: 14px 24px;
  border-radius: 999px;
  border: 1.5px solid var(--gold-500);
  background: rgba(201, 162, 39, 0.1);
  color: var(--band-text);
  text-decoration: none;
  box-shadow: 0 10px 26px -14px rgba(201, 162, 39, 0.4);
  transition: background 0.15s ease, transform 0.15s ease, box-shadow 0.15s ease;
}
.play-badge:hover,
.play-badge:focus-visible {
  background: rgba(201, 162, 39, 0.2);
  transform: translateY(-2px);
  box-shadow: 0 14px 30px -14px rgba(201, 162, 39, 0.55);
}
/* Colour-banded triangle (see markup comment) rendered at a size that reads
   clearly as an icon, not a decorative sliver. */
.play-badge__icon { width: 26px; height: 26px; flex-shrink: 0; }
.play-badge__text { display: flex; flex-direction: column; line-height: 1.15; text-align: left; }
.play-badge__eyebrow {
  font-size: 0.68rem;
  letter-spacing: 0.09em;
  text-transform: uppercase;
  color: var(--band-text-subtle);
}
.play-badge__brand { font-size: 1rem; font-weight: 700; color: var(--band-text); }

@media (min-width: 900px) {
  .hero__grid {
    display: grid;
    grid-template-columns: 1.05fr 0.95fr;
    align-items: center;
    gap: 40px;
    text-align: left;
  }
  .hero__content { text-align: left; }
  .hero__headline,
  .hero__subhead { margin-left: 0; margin-right: 0; }
  .hero__actions { justify-content: flex-start; }

  .hero__visual {
    margin: 0;
    max-width: 420px;
    justify-self: center;
  }
}

/* Headline plan-return carousel — the hero's whole right-side visual is this
   one self-contained card, auto-rotating through all 5 Investment Plan
   cards further down (#plans), one at a time. Figures/labels are copied
   verbatim from those cards; nothing is invented here. Auto-advance,
   drag/swipe and pause-on-interaction are all wired up in script.js — this
   file only owns the card look and the translateX slide mechanics.

   Composition (redesigned from the earlier version, which floated a
   decorative icon cluster on top of the card and overlapped it — removed
   entirely): a single card, generous padding, one clear focal point (the
   percentage), with a purely decorative glow living BEHIND it via
   ::before — never overlapping the card's own content — reusing the same
   low-opacity greek-key motif as .hero::before for visual consistency. */
.hero-carousel {
  position: relative;
  max-width: min(320px, 86vw);
  margin: 0 auto 32px;
}
.hero-carousel::before {
  content: '';
  position: absolute;
  inset: -20px;
  z-index: 0;
  pointer-events: none;
  border-radius: 28px;
  background:
    radial-gradient(ellipse 75% 70% at 50% 50%, rgba(201, 162, 39, 0.16), transparent 72%),
    url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='56' height='28' viewBox='0 0 56 28'%3E%3Cpath d='M0 24 H16 V4 H32 V24 H48 V4 H56' fill='none' stroke='%23c9a227' stroke-opacity='0.12' stroke-width='2.5'/%3E%3C/svg%3E");
  background-repeat: no-repeat, repeat;
}
/* Everything the visitor actually interacts with sits above that glow. */
.hero-carousel__viewport,
.hero-carousel__dots {
  position: relative;
  z-index: 1;
}
.hero-carousel__viewport {
  overflow: hidden;
  border-radius: 16px;
  /* Vertical page-scroll still works over the carousel; horizontal drag is
     handled ourselves in JS via pointer events. */
  touch-action: pan-y;
  cursor: grab;
}
.hero-carousel__viewport:active { cursor: grabbing; }
.hero-carousel__track {
  display: flex;
  transition: transform 0.45s cubic-bezier(0.22, 1, 0.36, 1);
}
/* Dragging: JS toggles this class to kill the transition while the track is
   following the pointer 1:1, then removes it so the snap-to-slide settles
   with the normal eased transition. */
.hero-carousel__track.is-dragging { transition: none; }

/* The card: same visual language as .plan-card further down the page
   (solid navy surface, gold border-top accent, generous padding) — just
   bigger and standalone, so it reads as that card's larger sibling rather
   than a different component. Nothing else is drawn inside or on top of it. */
.hero-badge {
  flex: 0 0 100%;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 6px;
  min-height: 190px;
  padding: 32px 26px;
  background: var(--band-surface);
  border: 1px solid rgba(201, 162, 39, 0.3);
  border-top: 5px solid var(--gold-500);
  box-shadow: 0 14px 34px -16px rgba(0, 0, 0, 0.5);
  text-decoration: none;
  color: inherit;
  transition: background 0.15s ease, transform 0.15s ease;
  user-select: none;
  -webkit-user-select: none;
}
.hero-badge:hover,
.hero-badge:focus-visible {
  background: var(--band-surface-hover);
  transform: translateY(-2px);
}
.hero-badge img,
.hero-badge a { -webkit-user-drag: none; }
/* Small plan-code label at top — same treatment as .plan-card__code. */
.hero-badge__code {
  font-family: var(--font-body);
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--gold-strong);
}
/* Full plan name — the "creative with text" line that gives each slide
   context beyond a bare code + number, still quiet enough not to compete
   with the figure below it. */
.hero-badge__name {
  font-size: 0.85rem;
  color: var(--band-text-muted);
  text-align: center;
  max-width: 22ch;
}
/* The dominant element — large bold percentage, the one clear focal point. */
.hero-badge__figure {
  font-family: var(--font-display);
  font-size: clamp(2.1rem, 8vw, 2.6rem);
  font-weight: 700;
  color: var(--band-text);
  line-height: 1.1;
  margin: 4px 0;
}
/* Small, subdued caption underneath — deliberately quieter than the figure. */
.hero-badge__label {
  font-size: 0.8rem;
  letter-spacing: 0.03em;
  text-transform: uppercase;
  color: var(--band-text-subtle);
}

/* Dot indicators, centered below the card with clear separating space —
   never touching or overlapping it. Active dot in gold, inactive muted. */
.hero-carousel__dots {
  display: flex;
  justify-content: center;
  gap: 10px;
  margin-top: 24px;
  padding: 0;
}
.hero-carousel__dot {
  width: 8px;
  height: 8px;
  padding: 0;
  border-radius: 50%;
  border: none;
  background: rgba(231, 199, 102, 0.3);
  cursor: pointer;
  /* Larger invisible hit target than the visible 8px dot, for touch. */
  position: relative;
}
.hero-carousel__dot::before {
  content: '';
  position: absolute;
  inset: -10px;
}
.hero-carousel__dot.is-active {
  background: var(--gold-300);
  transform: scale(1.25);
}

/* Desktop: the card becomes the visual anchor of the right column — sized
   to carry roughly the same visual weight as the headline on the left.
   Placed after the base rules above so these overrides actually win at the
   cascade (equal-specificity selectors resolve by source order, not by
   which @media block they're in). */
@media (min-width: 900px) {
  .hero-carousel { max-width: 100%; }
  .hero-badge { min-height: 240px; padding: 44px 40px; }
  .hero-badge__figure { font-size: clamp(2.6rem, 3.4vw, 3.4rem); }
}

.trust-badges {
  list-style: none;
  display: flex;
  flex-wrap: wrap;
  gap: 14px 28px;
  justify-content: center;
  margin: 0 0 8px;
  padding: 0;
}
.trust-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  color: var(--band-text-muted);
  font-size: 0.92rem;
}
.trust-badge__icon { width: 20px; height: 20px; color: var(--gold-strong); flex-shrink: 0; }
.trust-badge strong { color: var(--gold-strong); font-size: 1.05rem; }
.hero__footnote { font-size: 0.76rem; color: var(--band-text-subtle); margin: 0; }

/* ---------- Generic sections ---------- */
.section { padding: 72px 0; }
.eyebrow {
  font-family: var(--font-body);
  text-transform: uppercase;
  letter-spacing: 0.18em;
  font-size: 0.78rem;
  font-weight: 700;
  color: var(--gold-onbg);
  margin-bottom: 10px;
}
.eyebrow--onband { color: var(--gold-strong); }
.section__intro { max-width: 60ch; }
.placeholder-notice { font-style: italic; opacity: 0.85; }

.quote-card {
  background: var(--surface);
  border: 1px solid var(--surface-border);
  border-radius: var(--radius);
  padding: 24px;
  display: flex;
  flex-direction: column;
  gap: 12px;
}
.stars { color: var(--gold-500); letter-spacing: 2px; font-size: 1rem; }
.quote-card blockquote { margin: 0; color: var(--text); font-size: 1.02rem; }
.quote-card figcaption { color: var(--gold-onbg); font-size: 0.85rem; font-weight: 600; }
/* Fixed card width inside the carousel track (see "Horizontal carousel"
   block below) — wide enough to read a full quote, narrow enough that a
   mobile viewport still gets a peek of the next card. */
.carousel__track .quote-card { flex: 0 0 min(320px, 82vw); }

/* ---------- Investment Plans (visual priority section) ---------- */
.plan-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 22px;
  margin-top: 36px;
}
.plan-card {
  background: var(--surface);
  border: 1px solid var(--surface-border);
  border-radius: var(--radius);
  padding: 26px;
  border-top: 4px solid var(--gold-500);
  display: flex;
  flex-direction: column;
  gap: 6px;
}
.plan-card__code {
  font-family: var(--font-body);
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  color: var(--text-muted);
  margin: 0;
}
.plan-card h3 { color: var(--text); margin-bottom: 4px; }
.plan-card__desc { color: var(--text-muted); font-size: 0.95rem; }
.plan-card__rate {
  margin: 8px 0 0;
  color: var(--text-muted);
  font-size: 0.92rem;
  font-weight: 500;
}
.plan-card__figure {
  display: block;
  font-family: var(--font-display);
  font-size: clamp(1.8rem, 3vw, 2.3rem);
  color: var(--gold-onbg);
  line-height: 1.1;
}
.plan-card__meta { font-size: 0.85rem; color: var(--text-muted); margin-bottom: 16px; }
.plan-card .btn,
.plan-card__calc-link { margin-top: auto; }

/* Lighter text-link replacement for the old per-card "Download App to
   Invest" button — see .calculator-card below for where it lands. A plain
   link reads as a lower-commitment "learn more" action, so the one real
   conversion moment (the calculator's download CTA) stands out instead of
   competing with five identical buttons. */
.plan-card__calc-link {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  color: var(--gold-onbg);
  font-weight: 600;
  font-size: 0.92rem;
  text-decoration: none;
}
.plan-card__calc-link:hover,
.plan-card__calc-link:focus-visible { color: var(--gold-strong); text-decoration: underline; }

/* CIP is the fifth card in a grid that otherwise pairs/triples evenly — give
   it the full row so it doesn't strand alone at a random column width. */
.plan-card--wide { grid-column: 1 / -1; }
.plan-card--wide .plan-card__desc { max-width: 60ch; }

@media (max-width: 700px) {
  .plan-card--wide { grid-column: auto; }
}

/* ---------- Investment Calculator ---------- */
/* Same card treatment as .plan-card (surface, border, gold top-edge, radius)
   so it reads as part of the same design system rather than a bolted-on
   widget, but laid out as controls-left / result-right on wide screens since
   it's a single interactive unit, not a repeating card grid. */
.calculator-card {
  display: grid;
  grid-template-columns: minmax(0, 1.1fr) minmax(0, 1fr);
  gap: 0;
  margin-top: 36px;
  background: var(--surface);
  border: 1px solid var(--surface-border);
  border-top: 4px solid var(--gold-500);
  border-radius: var(--radius);
  overflow: hidden;
}
.calculator-card__controls {
  padding: 28px;
  display: flex;
  flex-direction: column;
  gap: 22px;
  border-right: 1px solid var(--surface-border);
}
.calculator-card__result {
  padding: 28px;
  display: flex;
  flex-direction: column;
  justify-content: center;
  gap: 10px;
  background: var(--band-bg);
  background-image: var(--section-pattern);
  background-repeat: repeat;
  color: var(--band-text);
}
@media (max-width: 780px) {
  .calculator-card { grid-template-columns: 1fr; }
  .calculator-card__controls { border-right: none; border-bottom: 1px solid var(--surface-border); }
}

.calc-plan-select {
  border: 0;
  padding: 0;
  margin: 0;
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
}
.calc-plan-select legend {
  font-family: var(--font-body);
  text-transform: uppercase;
  letter-spacing: 0.14em;
  font-size: 0.72rem;
  font-weight: 700;
  color: var(--text-muted);
  padding: 0;
  margin-bottom: 10px;
  width: 100%;
}
/* Native radio inputs visually hidden but still in the tab order and
   readable by assistive tech — the <span> sibling is what actually gets the
   pill styling, driven by :checked on the input right before it. */
.calc-plan-pill input {
  position: absolute;
  opacity: 0;
  width: 1px;
  height: 1px;
}
.calc-plan-pill span {
  display: inline-block;
  padding: 8px 16px;
  border: 1.5px solid var(--surface-border);
  border-radius: 999px;
  font-weight: 600;
  font-size: 0.88rem;
  color: var(--text-muted);
  cursor: pointer;
  transition: background-color 0.15s ease, color 0.15s ease, border-color 0.15s ease;
}
.calc-plan-pill input:checked + span {
  background: var(--gold-500);
  border-color: var(--gold-500);
  color: var(--navy-950);
}
.calc-plan-pill input:focus-visible + span {
  outline: 3px solid var(--gold-strong);
  outline-offset: 2px;
}

.calc-field { display: flex; flex-direction: column; gap: 6px; }
.calc-field label,
.calc-field .calc-tenure__label {
  font-weight: 600;
  font-size: 0.9rem;
  color: var(--text);
}
.calc-field input[type="number"] {
  font-family: var(--font-body);
  font-size: 1.1rem;
  padding: 10px 14px;
  border: 1.5px solid var(--surface-border);
  border-radius: var(--radius);
  background: var(--bg);
  color: var(--text);
}
.calc-field input[type="number"]:focus-visible {
  outline: 3px solid var(--gold-strong);
  outline-offset: 1px;
}
.calc-field__hint { font-size: 0.82rem; color: var(--text-muted); }

.calc-tenure { gap: 8px; }
.calc-tenure__option {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.92rem;
  color: var(--text);
  cursor: pointer;
}

.calc-result__eyebrow {
  text-transform: uppercase;
  letter-spacing: 0.14em;
  font-size: 0.72rem;
  font-weight: 700;
  color: var(--gold-strong);
  margin: 0;
}
.calc-result__figure {
  font-family: var(--font-display);
  font-size: clamp(2rem, 4vw, 2.6rem);
  color: var(--gold-strong);
  margin: 4px 0 6px;
  line-height: 1.1;
}
.calc-result__breakdown { color: var(--band-text); opacity: 0.9; font-size: 0.95rem; margin: 0; }
/* Deliberately NOT gold — gold is this panel's "good news" color (headline
   figures, estimated return), so a validation error needs a visually
   distinct warning tone to actually read as an error rather than blend in. */
.calc-result__invalid { color: #ff8a80; font-weight: 600; font-size: 0.95rem; margin: 0; }
.calc-result__note { font-size: 0.78rem; color: var(--band-text); opacity: 0.65; font-style: italic; margin: 12px 0 0; }

.calculator-cta { margin-top: 32px; text-align: center; }

/* ---------- Why Trust Us band ---------- */
/* --band-bg/--band-text flip with the theme (navy+ivory in dark, ivory+ink
   in light — see the theme tokens block up top), so this band matches
   whichever theme is active instead of staying navy always. The texture
   flips too — see --section-pattern. */
.section--band {
  background-color: var(--band-bg);
  background-image: var(--section-pattern);
  background-repeat: repeat;
  color: var(--band-text);
  padding: 0;
}
.section--band .wrap { padding-top: 56px; padding-bottom: 56px; }
.onband { color: var(--band-text); }
.trust-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 28px;
  margin-top: 32px;
}
.trust-item__icon { width: 30px; height: 30px; color: var(--gold-strong); margin-bottom: 10px; }
.trust-item h3 { color: var(--gold-strong); }
.trust-item p { color: var(--band-text-muted); margin: 0; }

/* ---------- About ---------- */
.about__inner {
  display: grid;
  grid-template-columns: 1.4fr 1fr;
  gap: 48px;
  align-items: center;
}
.about__text p { color: var(--text-muted); }
.about__text h2 { color: var(--text); }
.about__ornament {
  aspect-ratio: 1;
  border-radius: 50%;
  border: 3px solid var(--gold-500);
  position: relative;
  background:
    radial-gradient(circle at center, transparent 55%, var(--gold-500) 56%, var(--gold-500) 58%, transparent 59%);
}
.about__ornament::before {
  content: '';
  position: absolute;
  inset: 18%;
  border: 2px solid var(--gold-onbg);
  border-radius: 50%;
}
@media (max-width: 760px) {
  .about__inner { grid-template-columns: 1fr; }
  .about__ornament { max-width: 160px; margin: 0 auto; }
}

/* Founder block */
.founder {
  margin-top: 56px;
  padding-top: 40px;
  border-top: 1px solid var(--surface-border);
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 28px;
  align-items: flex-start;
}
.founder__portrait {
  width: 76px;
  height: 76px;
  border-radius: 50%;
  background: var(--surface);
  border: 2px solid var(--gold-500);
  color: var(--gold-onbg);
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 1.3rem;
  display: grid;
  place-items: center;
  flex-shrink: 0;
  overflow: hidden;
}
.founder__portrait img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}
.founder__text h3 { margin-bottom: 2px; color: var(--text); }
.founder__title { color: var(--gold-onbg); font-weight: 600; font-size: 0.9rem; margin-bottom: 10px; }
@media (max-width: 560px) {
  .founder { grid-template-columns: 1fr; text-align: center; }
  .founder__portrait { margin: 0 auto; }
}

/* Stats row */
.stats-row {
  margin-top: 40px;
  padding-top: 32px;
  border-top: 1px solid var(--surface-border);
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
  text-align: center;
}
.stat__value {
  display: block;
  font-family: var(--font-display);
  font-size: clamp(1.6rem, 3vw, 2.2rem);
  color: var(--gold-onbg);
}
.stat__label {
  display: block;
  font-size: 0.82rem;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--text-muted);
  margin-top: 4px;
}

/* ---------- Our Team ----------
   Same card surface/border/gold-top treatment as the Investment Plans cards,
   for visual consistency. Some avatars now show real headshots (an <img>
   inside the circle, cropped via object-fit: cover); the rest remain
   initials-only until photos are available (see the TODO comment above the
   section in index.html). Cards run in the horizontal carousel track below
   rather than a wrapping grid. */
.team-card {
  background: var(--surface);
  border: 1px solid var(--surface-border);
  border-top: 3px solid var(--gold-500);
  border-radius: var(--radius);
  padding: 24px;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 8px;
  text-align: center;
}
/* Fixed card width inside the carousel track — six cards never need to fit
   at once, so a consistent width (rather than 1fr) is what makes the
   edge-peek + scroll-snap read correctly. */
.carousel__track .team-card { flex: 0 0 190px; }
.avatar-circle {
  width: 60px;
  height: 60px;
  border-radius: 50%;
  background: var(--bg);
  border: 2px solid var(--gold-500);
  color: var(--gold-onbg);
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 1.05rem;
  display: grid;
  place-items: center;
  flex-shrink: 0;
  margin-bottom: 4px;
  overflow: hidden;
}
.avatar-circle img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}
.team-card__name { color: var(--text); font-weight: 600; margin: 0; }
.team-card__role { color: var(--text-muted); font-size: 0.85rem; margin: 0; }

/* ---------- Horizontal carousel (Our Team / Testimonials) ----------
   Native CSS scroll-snap instead of a JS carousel library — the browser
   handles touch/trackpad swipe and momentum for free. The track's own
   width is deliberately NOT a multiple of the card width, so the last
   visible card is cut off at the edge as a "there's more" affordance;
   left/right arrow buttons are a click-based alternative for desktop
   users, wired up in script.js via scrollBy() on the track. */
.carousel {
  display: flex;
  align-items: center;
  gap: 8px;
  margin-top: 36px;
}
.carousel__track {
  display: flex;
  gap: 20px;
  flex: 1;
  min-width: 0;
  overflow-x: auto;
  scroll-snap-type: x mandatory;
  scroll-behavior: smooth;
  scroll-padding-left: 4px;
  padding: 4px 4px 14px;
  /* Native scrollbar hidden — the card peeking at the edge plus the arrow
     buttons already communicate "scrollable" without it. */
  scrollbar-width: none;
  -ms-overflow-style: none;
}
.carousel__track::-webkit-scrollbar { display: none; }
.carousel__track > * { scroll-snap-align: start; }
@media (prefers-reduced-motion: reduce) {
  .carousel__track { scroll-behavior: auto; }
}

.carousel__arrow {
  display: none;
  width: 40px;
  height: 40px;
  border-radius: 50%;
  border: 2px solid var(--gold-500);
  background: var(--surface);
  color: var(--gold-onbg);
  align-items: center;
  justify-content: center;
  cursor: pointer;
  padding: 0;
  flex-shrink: 0;
}
.carousel__arrow svg { width: 18px; height: 18px; }
.carousel__arrow:hover { background: var(--gold-onbg); color: var(--surface); }
.carousel__arrow:disabled { opacity: 0.35; cursor: default; }
.carousel__arrow:disabled:hover { background: var(--surface); color: var(--gold-onbg); }
/* Arrows are a desktop convenience — below this width, swipe is the primary
   (and more natural) interaction, and the buttons would just eat card space. */
@media (min-width: 641px) {
  .carousel__arrow { display: inline-flex; }
}

/* ---------- Repeat CTA band ---------- */
/* --band-bg/--band-text flip with the theme, same as the Why Trust Us band
   above — the texture flips too, see --section-pattern. */
.cta-band {
  background-color: var(--band-bg);
  background-image: var(--section-pattern);
  background-repeat: repeat;
  color: var(--band-text);
  text-align: center;
}
.cta-band__inner { padding: 64px 0; }
.cta-band h2 { color: var(--band-text); }
.cta-band p { color: var(--band-text-muted); max-width: 50ch; margin: 0 auto 28px; }
.cta-band__row {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 32px;
  flex-wrap: wrap;
}
.qr-placeholder {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 8px;
  color: var(--gold-strong);
}
.qr-placeholder svg { border-radius: 6px; background: var(--band-surface); padding: 8px; }
.qr-placeholder span {
  font-size: 0.72rem;
  color: var(--band-text-subtle);
  text-align: center;
  line-height: 1.3;
}

/* ---------- Contact ---------- */
.contact-grid {
  list-style: none;
  margin: 36px 0 0;
  padding: 0;
  display: grid;
  /* minmax(max-content, 1fr): each column is guaranteed at least as wide as
     its own content needs (so the phone/email/URL never overflow or wrap),
     while the 1fr still lets columns share out any leftover space — so the
     row keeps stretching to the full container width (same edges as the
     map/address below) instead of just shrink-wrapping to its content. */
  grid-template-columns: repeat(auto-fit, minmax(max-content, 1fr));
  gap: 20px;
}
.contact-card {
  display: flex;
  align-items: center;
  gap: 14px;
  background: var(--surface);
  border: 1px solid var(--surface-border);
  border-radius: var(--radius);
  padding: 18px 22px;
}
.contact-card svg { width: 24px; height: 24px; color: var(--gold-onbg); flex-shrink: 0; }
.contact-card a { text-decoration: none; font-weight: 600; color: var(--text); white-space: nowrap; }
.contact-card a:hover { color: var(--gold-onbg); }

/* The address is longer than the other three items. Left in the same row,
   it would set its own column's max-content sizing sky-high; spanning the
   full row instead lets it wrap normally at full width, and keeps the three
   short cards' column widths driven by their own (short) content. */
.contact-card--address { grid-column: 1 / -1; }
.contact-card--address a { white-space: normal; }

/* Registered-office map — fixed-height responsive frame so the iframe never
   collapses to 0 height or overflows the section on narrow screens. */
.contact-map {
  margin-top: 20px;
  border: 1px solid var(--surface-border);
  border-radius: var(--radius);
  overflow: hidden;
}
.contact-map iframe { display: block; width: 100%; height: 320px; border: 0; }

/* ---------- Legal pages (Privacy / Terms — standalone HTML files) ----------
   These are full pages now (privacy-policy.html / terms.html), so their
   heading level bumps up: page title is a real <h1> (kept visually the size
   of a normal h2 via .page-title, so it doesn't read like a second hero),
   subsections are <h2>. */
.section--legal h2 { color: var(--text); margin-top: 28px; font-size: 1.15rem; }
.section--legal h2:first-of-type { margin-top: 32px; }
.section--legal p { max-width: 72ch; }
.page-title { font-size: clamp(1.5rem, 3vw, 2.1rem); }

.back-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  text-decoration: none;
  color: var(--gold-onbg);
  font-size: 0.9rem;
  font-weight: 600;
  margin-bottom: 28px;
}
.back-link:hover { color: var(--gold-strong); }

/* ---------- Footer ---------- */
/* Uses the same band tokens as the hero/Why Trust Us/CTA band above, so the
   footer flips to light surfaces in light theme instead of staying navy.
   Unlike those other band sections it was missing the --section-pattern
   texture entirely (in both themes, not just light) — added here so the
   footer matches the rest of the band family. */
.site-footer {
  background-color: var(--band-bg);
  background-image: var(--section-pattern);
  background-repeat: repeat;
  color: var(--band-text-muted);
}
.site-footer__inner {
  display: flex;
  flex-wrap: wrap;
  gap: 32px;
  justify-content: space-between;
  padding: 40px 0 24px;
}
.site-footer__brand p { margin: 6px 0 0; color: var(--band-text-subtle); font-size: 0.9rem; }
.site-footer__links {
  display: flex;
  flex-direction: column;
  gap: 8px;
}
.site-footer__links a { text-decoration: none; color: var(--band-text-muted); font-size: 0.92rem; }
.site-footer__links a:hover { color: var(--gold-strong); }
.site-footer__contact {
  display: flex;
  flex-direction: column;
  gap: 6px;
  font-style: normal;
}
.site-footer__contact a { text-decoration: none; color: var(--band-text-muted); }
.site-footer__contact a:hover { color: var(--gold-strong); }
.site-footer__copyright {
  border-top: 1px solid var(--band-border);
  padding: 18px 0 28px;
  font-size: 0.82rem;
  color: var(--band-text-subtle);
  margin: 0;
}

/* ---------- Responsive ---------- */
@media (max-width: 600px) {
  .section { padding: 48px 0; }
  .site-header__actions { gap: 8px; }
  .btn--small { padding: 8px 14px; font-size: 0.82rem; }
  .stats-row { grid-template-columns: 1fr; gap: 24px; }
  /* max-content columns won't shrink below the phone/email/URL's natural
     width, which can exceed a narrow phone screen. Stack to one column here
     so cards wrap to their own row instead of overflowing horizontally. */
  .contact-grid { grid-template-columns: 1fr; }
}