/* ===================== Bartan Shine — Design System ===================== */
:root {
  --navy: #0d2b52;
  --navy-dark: #081a35;
  --navy-light: #163d6e;
  --green: #4c9a2d;
  --green-light: #6cc24a;
  --green-pale: #eaf7e3;
  --bg: #ffffff;
  --bg-soft: #f5f8fb;
  --text: #14213a;
  --text-muted: #5b6472;
  --border: #e6eaf0;
  --shadow-sm: 0 2px 8px rgba(13, 43, 82, 0.06);
  --shadow-md: 0 12px 32px rgba(13, 43, 82, 0.12);
  --shadow-lg: 0 24px 60px rgba(13, 43, 82, 0.18);
  --radius: 16px;
  --radius-sm: 10px;
  --container: 1180px;
  --ease: cubic-bezier(0.16, 1, 0.3, 1);
}

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

html { scroll-behavior: smooth; }

body {
  font-family: 'Segoe UI', system-ui, -apple-system, 'Helvetica Neue', Arial, sans-serif;
  color: var(--text);
  background: var(--bg);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}

img { max-width: 100%; display: block; }
a { text-decoration: none; color: inherit; }
ul { list-style: none; }
button { font-family: inherit; cursor: pointer; }

.container {
  width: 100%;
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 24px;
}

.section {
  padding: 100px 0;
}
.section-soft { background: var(--bg-soft); }

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 13px;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--green);
  background: var(--green-pale);
  padding: 7px 16px;
  border-radius: 999px;
  margin-bottom: 18px;
}

.section-head {
  max-width: 640px;
  margin: 0 auto 56px;
  text-align: center;
}

h1, h2, h3, h4 {
  font-weight: 700;
  color: var(--navy);
  line-height: 1.2;
  letter-spacing: -0.01em;
}

h2 { font-size: clamp(28px, 3.6vw, 40px); margin-bottom: 14px; }
h3 { font-size: 20px; margin-bottom: 10px; }

p { color: var(--text-muted); }

.text-center { text-align: center; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 15px 30px;
  border-radius: 999px;
  font-weight: 600;
  font-size: 15px;
  border: 2px solid transparent;
  transition: transform 0.25s var(--ease), box-shadow 0.25s var(--ease), background 0.25s var(--ease), color 0.25s var(--ease);
  white-space: nowrap;
}
.btn-primary {
  background: linear-gradient(135deg, var(--green-light), var(--green));
  color: #fff;
  box-shadow: 0 10px 24px rgba(76, 154, 45, 0.32);
}
.btn-primary:hover { transform: translateY(-3px); box-shadow: 0 16px 32px rgba(76, 154, 45, 0.4); }
.btn-outline {
  background: transparent;
  border-color: rgba(255,255,255,0.5);
  color: #fff;
}
.btn-outline:hover { background: rgba(255,255,255,0.12); border-color: #fff; transform: translateY(-3px); }
.btn-navy {
  background: var(--navy);
  color: #fff;
  box-shadow: 0 10px 24px rgba(13, 43, 82, 0.25);
}
.btn-navy:hover { transform: translateY(-3px); background: var(--navy-light); }
.btn-block { width: 100%; }

/* ---------- Navbar ---------- */
.navbar {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1060;
  padding: 18px 0;
  transition: all 0.35s var(--ease);
  background: transparent;
  transform: translateZ(0);
  -webkit-transform: translateZ(0);
  will-change: transform;
}
.navbar.scrolled {
  background: rgba(255, 255, 255, 0.92);
  backdrop-filter: blur(14px);
  box-shadow: var(--shadow-sm);
  padding: 10px 0;
}
.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
}
.brand { display: flex; align-items: center; gap: 10px; }
.logo-badge {
  display: inline-flex;
  align-items: center;
  background: #fff;
  border-radius: 12px;
  padding: 5px 12px;
  box-shadow: var(--shadow-sm);
  transition: box-shadow 0.35s var(--ease);
}
.brand .logo-badge img {
  height: 40px;
  width: auto;
  display: block;
}
.navbar.scrolled .logo-badge { box-shadow: none; }
.nav-links {
  display: flex;
  align-items: center;
  gap: 38px;
}
.nav-links a {
  font-weight: 500;
  font-size: 15px;
  color: #fff;
  position: relative;
  padding: 4px 0;
  transition: color 0.35s var(--ease);
}
.navbar.scrolled .nav-links a { color: var(--navy); }
.nav-links a::after {
  content: '';
  position: absolute;
  left: 0; bottom: -2px;
  width: 0; height: 2px;
  background: var(--green);
  transition: width 0.3s var(--ease);
}
.nav-links a:hover::after, .nav-links a.active::after { width: 100%; }
.nav-cta { display: flex; align-items: center; gap: 18px; }
.nav-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  padding: 6px;
  z-index: 1100;
}
.nav-toggle span {
  width: 24px; height: 2px;
  background: #fff;
  border-radius: 2px;
  transition: all 0.3s var(--ease);
}
.navbar.scrolled .nav-toggle span { background: var(--navy); }
body.menu-open .nav-toggle span { background: var(--navy); }
.nav-toggle.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-toggle.open span:nth-child(2) { opacity: 0; }
.nav-toggle.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* ---------- Hero ---------- */
.hero {
  position: relative;
  padding: 170px 0 120px;
  min-height: 620px;
  display: flex;
  align-items: center;
  background-color: var(--navy-dark);
  background-image:
    linear-gradient(100deg, rgba(8,26,53,0.97) 0%, rgba(8,26,53,0.92) 30%, rgba(13,43,82,0.7) 52%, rgba(13,43,82,0.25) 75%, rgba(13,43,82,0) 92%),
    url('../images/combo-pack.jpeg');
  background-repeat: no-repeat, no-repeat;
  background-position: center, right center;
  background-size: cover, contain;
  color: #fff;
  overflow: hidden;
}
.hero::before, .hero::after {
  content: '';
  position: absolute;
  border-radius: 50%;
  filter: blur(10px);
  opacity: 0.5;
  z-index: 0;
}
.hero::before {
  width: 420px; height: 420px;
  background: radial-gradient(circle, rgba(76,154,45,0.35), transparent 70%);
  top: -120px; right: -80px;
}
.hero::after {
  width: 340px; height: 340px;
  background: radial-gradient(circle, rgba(255,255,255,0.08), transparent 70%);
  bottom: -160px; left: -100px;
}
.hero-inner {
  position: relative;
  z-index: 2;
  max-width: 620px;
}
.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(255,255,255,0.1);
  border: 1px solid rgba(255,255,255,0.2);
  padding: 8px 16px;
  border-radius: 999px;
  font-size: 13px;
  font-weight: 500;
  margin-bottom: 24px;
}
.hero-badge .dot { width: 7px; height: 7px; border-radius: 50%; background: var(--green-light); box-shadow: 0 0 0 4px rgba(108,194,74,0.25); }
.hero h1 {
  color: #fff;
  font-size: clamp(34px, 4.6vw, 54px);
  margin-bottom: 20px;
}
.hero h1 span { color: var(--green-light); }
.hero p.lead {
  color: rgba(255,255,255,0.78);
  font-size: 18px;
  max-width: 520px;
  margin-bottom: 34px;
}
.hero-actions { display: flex; gap: 16px; flex-wrap: wrap; margin-bottom: 46px; }
.hero-stats {
  display: flex;
  gap: 36px;
  flex-wrap: wrap;
}
.hero-stats div strong {
  display: block;
  font-size: 26px;
  color: #fff;
}
.hero-stats div span { font-size: 13px; color: rgba(255,255,255,0.65); }

.hero-wave {
  position: absolute;
  bottom: -1px; left: 0; right: 0;
  line-height: 0;
}
.hero-wave svg { width: 100%; height: auto; display: block; }

/* ---------- Trust strip ---------- */
.trust-strip {
  padding: 34px 0;
  border-bottom: 1px solid var(--border);
}
.trust-grid {
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 24px;
}
.trust-item {
  display: flex;
  align-items: center;
  gap: 12px;
  font-weight: 600;
  color: var(--navy);
  font-size: 14px;
}
.trust-item .ic {
  width: 40px; height: 40px;
  border-radius: 50%;
  background: var(--green-pale);
  color: var(--green);
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}

/* ---------- About split ---------- */
.split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
}
.split-visual {
  position: relative;
}
.split-panel {
  border-radius: var(--radius);
  background: linear-gradient(150deg, var(--navy), var(--navy-light));
  aspect-ratio: 4/3.4;
  position: relative;
  overflow: hidden;
  box-shadow: var(--shadow-lg);
  display: flex;
  align-items: center;
  justify-content: center;
}
.split-panel .ring {
  position: absolute;
  border: 1px solid rgba(255,255,255,0.15);
  border-radius: 50%;
}
.split-panel .ring.r1 { width: 260px; height: 260px; }
.split-panel .ring.r2 { width: 360px; height: 360px; }
.split-panel .glow {
  position: absolute;
  width: 220px; height: 220px;
  background: radial-gradient(circle, rgba(108,194,74,0.5), transparent 70%);
  filter: blur(10px);
}
.split-panel img { position: relative; z-index: 2; width: 62%; }
.split-tag {
  position: absolute;
  bottom: -22px; left: 30px;
  background: #fff;
  border-radius: var(--radius-sm);
  box-shadow: var(--shadow-md);
  padding: 16px 20px;
  display: flex;
  align-items: center;
  gap: 12px;
  max-width: 280px;
}
.split-tag .ic {
  width: 44px; height: 44px;
  border-radius: 12px;
  background: var(--green);
  color: #fff;
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}
.split-tag strong { display: block; font-size: 14px; color: var(--navy); }
.split-tag span { font-size: 12px; color: var(--text-muted); }

.check-list { margin-top: 26px; display: flex; flex-direction: column; gap: 14px; }
.check-list li {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  color: var(--text);
  font-weight: 500;
  font-size: 15px;
}
.check-list .ic {
  width: 24px; height: 24px;
  border-radius: 50%;
  background: var(--green-pale);
  color: var(--green);
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
  margin-top: 2px;
}

/* ---------- Feature grid ---------- */
.features-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}
.feature-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 34px 28px;
  transition: transform 0.3s var(--ease), box-shadow 0.3s var(--ease), border-color 0.3s var(--ease);
}
.feature-card:hover {
  transform: translateY(-8px);
  box-shadow: var(--shadow-md);
  border-color: transparent;
}
.feature-icon {
  width: 56px; height: 56px;
  border-radius: 16px;
  background: linear-gradient(135deg, var(--green-light), var(--green));
  color: #fff;
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 20px;
}
.feature-card p { font-size: 14.5px; }

/* ---------- Coming soon products ---------- */
.products-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 28px;
}
.product-card {
  position: relative;
  background: var(--bg-soft);
  border-radius: var(--radius);
  overflow: hidden;
  border: 1px solid var(--border);
  transition: transform 0.3s var(--ease), box-shadow 0.3s var(--ease), border-color 0.3s var(--ease);
}
.product-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-md);
  border-color: transparent;
}
.product-shell {
  aspect-ratio: 1/1;
  display: flex;
  align-items: center;
  justify-content: center;
  background: linear-gradient(160deg, #eef3f8, #e3ecf5);
  position: relative;
}
.product-shell svg { width: 34%; opacity: 0.55; }
.product-shell.has-photo { background: #fff; }
.product-shell.has-photo img { max-width: 100%; max-height: 100%; object-fit: contain; }
.soon-badge {
  position: absolute;
  top: 16px; right: 16px;
  background: var(--navy);
  color: #fff;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  padding: 6px 12px;
  border-radius: 999px;
}
.product-info { padding: 18px 22px; text-align: center; }
.product-info h3 { font-size: 16px; margin: 0; }
.product-info p { font-size: 13px; margin-top: 4px; }

/* ---------- Banner image ---------- */
.promo-banner {
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: var(--shadow-md);
}
.promo-banner img { width: 100%; display: block; }

/* ---------- Values ---------- */
.values-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}
.value-card {
  text-align: center;
  padding: 30px 20px;
}
.value-card .feature-icon { margin: 0 auto 18px; }
.value-card p { font-size: 14px; }

/* ---------- CTA band ---------- */
.cta-band {
  position: relative;
  border-radius: 28px;
  padding: 64px 60px;
  background: linear-gradient(135deg, var(--navy-dark), var(--navy) 60%, var(--green) 160%);
  color: #fff;
  overflow: hidden;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 40px;
  flex-wrap: wrap;
}
.cta-band::before {
  content: '';
  position: absolute;
  width: 300px; height: 300px;
  background: radial-gradient(circle, rgba(255,255,255,0.12), transparent 70%);
  top: -100px; right: -60px;
  border-radius: 50%;
}
.cta-band h2 { color: #fff; margin-bottom: 8px; }
.cta-band p { color: rgba(255,255,255,0.78); max-width: 460px; }
.cta-form {
  display: flex;
  gap: 10px;
  background: rgba(255,255,255,0.1);
  border: 1px solid rgba(255,255,255,0.24);
  padding: 6px;
  border-radius: 999px;
  min-width: 380px;
  position: relative;
  z-index: 2;
}
.cta-form input {
  flex: 1;
  background: transparent;
  border: none;
  outline: none;
  padding: 12px 18px;
  color: #fff;
  font-size: 14px;
}
.cta-form input::placeholder { color: rgba(255,255,255,0.6); }

/* ---------- Footer ---------- */
footer {
  background: var(--navy-dark);
  color: rgba(255,255,255,0.7);
  padding: 70px 0 26px;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1.2fr;
  gap: 40px;
  padding-bottom: 46px;
  border-bottom: 1px solid rgba(255,255,255,0.1);
}
.footer-brand .logo-badge { margin-bottom: 16px; }
.footer-brand .logo-badge img { height: 36px; width: auto; display: block; }
.footer-brand p { font-size: 14px; color: rgba(255,255,255,0.55); max-width: 280px; }
.footer-col h4 { color: #fff; font-size: 15px; margin-bottom: 18px; }
.footer-col ul { display: flex; flex-direction: column; gap: 12px; }
.footer-col a { font-size: 14px; color: rgba(255,255,255,0.6); transition: color 0.2s; }
.footer-col a:hover { color: var(--green-light); }
.footer-col li { display: flex; align-items: flex-start; gap: 10px; font-size: 14px; color: rgba(255,255,255,0.6); }
.social-row { display: flex; gap: 10px; margin-top: 18px; }
.social-row a {
  width: 38px; height: 38px;
  border-radius: 50%;
  background: rgba(255,255,255,0.08);
  display: flex; align-items: center; justify-content: center;
  transition: background 0.2s, transform 0.2s;
}
.social-row a:hover { background: var(--green); transform: translateY(-3px); }
.footer-bottom {
  padding-top: 24px;
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 12px;
  font-size: 13px;
  color: rgba(255,255,255,0.45);
}

/* ---------- Page hero (inner pages) ---------- */
.page-hero {
  padding: 160px 0 90px;
  background: linear-gradient(160deg, var(--navy-dark), var(--navy));
  color: #fff;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.page-hero::before {
  content: '';
  position: absolute;
  width: 400px; height: 400px;
  background: radial-gradient(circle, rgba(76,154,45,0.28), transparent 70%);
  top: -140px; right: -60px;
  border-radius: 50%;
}
.page-hero h1 { color: #fff; font-size: clamp(30px, 4vw, 44px); position: relative; z-index: 2; }
.breadcrumb {
  display: flex; gap: 8px; justify-content: center;
  font-size: 13px; color: rgba(255,255,255,0.6);
  margin-top: 14px; position: relative; z-index: 2;
}
.breadcrumb a { color: rgba(255,255,255,0.85); }

/* ---------- Contact ---------- */
.contact-grid {
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  gap: 50px;
}
.contact-cards { display: flex; flex-direction: column; gap: 18px; }
.contact-card {
  display: flex;
  gap: 16px;
  align-items: flex-start;
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 24px;
}
.contact-card .ic {
  width: 46px; height: 46px;
  border-radius: 12px;
  background: var(--green-pale);
  color: var(--green);
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}
.contact-card h3 { font-size: 15px; margin-bottom: 4px; }
.contact-card p { font-size: 14px; margin: 0; }

.form-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 40px;
  box-shadow: var(--shadow-sm);
}
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.field { margin-bottom: 20px; }
.field label {
  display: block;
  font-size: 13.5px;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 8px;
}
.field input, .field textarea, .field select {
  width: 100%;
  padding: 13px 16px;
  border: 1.5px solid var(--border);
  border-radius: 10px;
  font-family: inherit;
  font-size: 14.5px;
  color: var(--text);
  transition: border-color 0.2s, box-shadow 0.2s;
  background: var(--bg-soft);
}
.field input:focus, .field textarea:focus, .field select:focus {
  outline: none;
  border-color: var(--green);
  box-shadow: 0 0 0 4px var(--green-pale);
  background: #fff;
}
.field textarea { resize: vertical; min-height: 130px; }
.form-note { font-size: 12.5px; color: var(--text-muted); margin-top: 10px; text-align: center; }
.form-success {
  display: none;
  align-items: center;
  gap: 10px;
  background: var(--green-pale);
  color: var(--green);
  border-radius: 10px;
  padding: 14px 18px;
  font-weight: 600;
  font-size: 14px;
  margin-top: 16px;
}

/* ---------- Parent company badge ---------- */
.parent-badge {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 7px 18px 7px 8px;
  border: 1px solid var(--border);
  border-radius: 999px;
  background: var(--bg-soft);
}
.parent-badge .badge-icon {
  width: 26px; height: 26px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--navy), var(--navy-light));
  color: #fff;
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}
.parent-badge span {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.09em;
  text-transform: uppercase;
  color: var(--navy);
}
.parent-badge.on-dark {
  border-color: rgba(255,255,255,0.18);
  background: rgba(255,255,255,0.06);
}
.parent-badge.on-dark .badge-icon {
  background: linear-gradient(135deg, var(--green-light), var(--green));
}
.parent-badge.on-dark span { color: rgba(255,255,255,0.75); }

/* ---------- Partner / Distributor page ---------- */
.partner-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}
.partner-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 32px 26px;
  transition: transform 0.3s var(--ease), box-shadow 0.3s var(--ease), border-color 0.3s var(--ease);
}
.partner-card:hover {
  transform: translateY(-8px);
  box-shadow: var(--shadow-md);
  border-color: transparent;
}
.partner-card p { font-size: 14.5px; margin: 0; }

.why-grid {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 20px;
}
.why-item {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  gap: 14px;
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 30px 18px;
  font-weight: 600;
  font-size: 14px;
  color: var(--navy);
  transition: transform 0.3s var(--ease), box-shadow 0.3s var(--ease);
}
.why-item:hover { transform: translateY(-6px); box-shadow: var(--shadow-md); }
.why-item .ic {
  width: 52px; height: 52px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--green-light), var(--green));
  color: #fff;
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}

.deposit-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}
.deposit-card {
  background: #fff;
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  padding: 36px 30px;
  text-align: center;
  transition: transform 0.3s var(--ease), box-shadow 0.3s var(--ease);
}
.deposit-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-md); }
.deposit-card.featured {
  border-color: var(--green);
  box-shadow: var(--shadow-md);
  position: relative;
}
.deposit-card.featured::before {
  content: 'Most Popular';
  position: absolute;
  top: -13px; left: 50%;
  transform: translateX(-50%);
  background: var(--green);
  color: #fff;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  padding: 5px 14px;
  border-radius: 999px;
}
.deposit-level { font-weight: 700; color: var(--navy); font-size: 15px; margin-bottom: 12px; }
.deposit-amount { font-size: 30px; font-weight: 700; color: var(--green); margin-bottom: 10px; }
.deposit-card p { font-size: 13.5px; margin: 0; }

.deposit-note {
  margin-top: 10px;
  font-size: 13px;
  font-weight: 600;
  color: var(--green);
  background: var(--green-pale);
  border-radius: 8px;
  padding: 10px 14px;
  display: none;
}
.deposit-note.show { display: block; }

.form-error {
  display: none;
  align-items: center;
  gap: 10px;
  background: #fdecec;
  color: #c0392b;
  border-radius: 10px;
  padding: 14px 18px;
  font-weight: 600;
  font-size: 14px;
  margin-top: 16px;
}
.form-error.show { display: flex; }

/* ---------- Reveal animation ---------- */
.reveal {
  opacity: 0;
  transform: translateY(28px);
  transition: opacity 0.7s var(--ease), transform 0.7s var(--ease);
}
.reveal.in { opacity: 1; transform: translateY(0); }

/* ---------- Back to top ---------- */
.to-top {
  position: fixed;
  right: 24px; bottom: 24px;
  width: 46px; height: 46px;
  border-radius: 50%;
  background: var(--navy);
  color: #fff;
  display: flex; align-items: center; justify-content: center;
  box-shadow: var(--shadow-md);
  opacity: 0; visibility: hidden;
  transform: translateY(10px);
  transition: all 0.3s var(--ease);
  z-index: 900;
  border: none;
}
.to-top.show { opacity: 1; visibility: visible; transform: translateY(0); }
.to-top:hover { background: var(--green); }

/* ===================== Responsive ===================== */
@media (max-width: 1024px) {
  .features-grid, .products-grid { grid-template-columns: repeat(2, 1fr); }
  .values-grid { grid-template-columns: repeat(2, 1fr); }
  .partner-grid { grid-template-columns: repeat(2, 1fr); }
  .why-grid { grid-template-columns: repeat(3, 1fr); }
  .deposit-grid { grid-template-columns: 1fr; max-width: 460px; margin: 0 auto; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .split { grid-template-columns: 1fr; }
  .split-visual { max-width: 420px; margin: 0 auto 40px; }
  .contact-grid { grid-template-columns: 1fr; }
}

@media (max-width: 780px) {
  .nav-links, .nav-cta .btn-navy { display: none; }
  .nav-toggle { display: flex; }
  body.menu-open .nav-links {
    display: flex;
    flex-direction: column;
    position: fixed;
    top: 0; right: 0;
    width: 78%; max-width: 320px;
    height: 100vh;
    background: #fff;
    padding: 100px 30px 30px;
    gap: 26px;
    box-shadow: -10px 0 40px rgba(0,0,0,0.15);
    z-index: 1050;
  }
  body.menu-open .nav-links a { color: var(--navy); }
  body.menu-open .nav-cta { display: block; }
  body.menu-open .nav-cta .btn-navy { display: none; }
  .nav-overlay {
    display: none;
    position: fixed; inset: 0;
    background: rgba(8,26,53,0.5);
    z-index: 1040;
  }
  body.menu-open .nav-overlay { display: block; }

  .section { padding: 70px 0; }
  .hero {
    padding-top: 130px;
    padding-bottom: clamp(260px, 68vw, 380px);
    min-height: 0;
    background-image:
      linear-gradient(180deg, rgba(8,26,53,0.98) 0%, rgba(8,26,53,0.96) 55%, rgba(8,26,53,0.65) 70%, rgba(8,26,53,0.15) 85%),
      url('../images/combo-pack.jpeg');
    background-position: center, center bottom;
    background-size: cover, contain;
  }
  .hero-actions { flex-direction: column; }
  .hero-actions .btn { width: 100%; }
  .hero-stats { justify-content: space-between; gap: 16px; }
  .trust-grid { justify-content: center; text-align: center; }
  .features-grid, .products-grid, .values-grid { grid-template-columns: 1fr; }
  .partner-grid, .why-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; gap: 34px; }
  .cta-band { flex-direction: column; text-align: center; padding: 44px 26px; }
  .cta-form { min-width: 0; width: 100%; }
  .form-row { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; text-align: center; }
}