:root {
      --bg-deep:    #04100d;
      --bg-base:    #07181500;
      --bg-card:    rgba(255, 255, 255, 0.035);
      --bg-card-hi: rgba(255, 255, 255, 0.06);
      --line:       rgba(255, 255, 255, 0.08);
      --line-hi:    rgba(255, 255, 255, 0.16);
      --mint:       #6fe9c8;
      --mint-soft:  rgba(111, 233, 200, 0.14);
      --mint-line:  rgba(111, 233, 200, 0.32);
      --gold:       #d4b572;
      --gold-soft:  rgba(212, 181, 114, 0.12);
      --ink:        #f3fbf7;
      --ink-mute:   #aac4be;
      --ink-faint:  #6f8983;
      --serif:      'Fraunces', 'Times New Roman', serif;
      --sans:       'Manrope', system-ui, -apple-system, sans-serif;
      --mono:       'JetBrains Mono', ui-monospace, monospace;
      --rad:        14px;
      --rad-lg:     22px;
      --maxw:       1240px;
    }

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

    html { scroll-behavior: smooth; -webkit-font-smoothing: antialiased; -moz-osx-font-smoothing: grayscale; }

    body {
      font-family: var(--sans);
      background: var(--bg-deep);
      color: var(--ink);
      line-height: 1.5;
      overflow-x: hidden;
      font-feature-settings: 'ss01', 'cv11';
    }

    /* ---------- background atmosphere ---------- */
    .ambience {
      position: fixed; inset: 0;
      pointer-events: none;
      z-index: 0;
      background:
        radial-gradient(ellipse 70% 50% at 12% 8%,  rgba(111, 233, 200, 0.16), transparent 60%),
        radial-gradient(ellipse 60% 50% at 92% 4%,  rgba(212, 181, 114, 0.10), transparent 55%),
        radial-gradient(ellipse 90% 60% at 50% 100%, rgba(111, 233, 200, 0.06), transparent 70%),
        linear-gradient(180deg, #04100d 0%, #061513 50%, #030a08 100%);
    }
    .grain {
      position: fixed; inset: 0;
      pointer-events: none;
      z-index: 1;
      opacity: 0.5;
      mix-blend-mode: overlay;
      background-image: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' width='220' height='220'><filter id='n'><feTurbulence type='fractalNoise' baseFrequency='0.85' numOctaves='2' stitchTiles='stitch'/><feColorMatrix values='0 0 0 0 0  0 0 0 0 0  0 0 0 0 0  0 0 0 0.45 0'/></filter><rect width='100%25' height='100%25' filter='url(%23n)'/></svg>");
    }
    .rule-grid {
      position: fixed; inset: 0;
      pointer-events: none;
      z-index: 1;
      background-image:
        linear-gradient(to right, rgba(255,255,255,0.025) 1px, transparent 1px);
      background-size: calc(100% / 12) 100%;
      mask-image: linear-gradient(180deg, black 0, black 75%, transparent 100%);
      -webkit-mask-image: linear-gradient(180deg, black 0, black 75%, transparent 100%);
    }

    /* ---------- layout ---------- */
    .wrap { width: min(var(--maxw), 92%); margin: 0 auto; position: relative; z-index: 2; }

    /* ---------- top bar ---------- */
    .topbar {
      border-bottom: 1px solid var(--line);
      background: rgba(4, 16, 13, 0.7);
      backdrop-filter: blur(12px);
      -webkit-backdrop-filter: blur(12px);
      position: sticky; top: 0;
      z-index: 50;
    }
    .topbar-inner {
      display: flex; align-items: center; justify-content: space-between;
      padding: 18px 0;
      gap: 24px;
    }
    .brand {
      display: flex; align-items: center;
      text-decoration: none;
    }
    .brand img {
      height: 44px;
      width: auto;
      display: block;
      filter: drop-shadow(0 4px 18px rgba(111, 233, 200, 0.18));
    }
    .nav {
      display: flex; align-items: center; gap: 32px;
    }
    .nav a {
      color: var(--ink-mute);
      text-decoration: none;
      font-size: 14px;
      font-weight: 500;
      letter-spacing: 0.01em;
      transition: color .2s ease;
    }
    .nav a:hover { color: var(--ink); }
    .nav .cta {
      color: var(--bg-deep);
      background: var(--ink);
      padding: 10px 18px;
      border-radius: 999px;
      font-weight: 700;
      font-size: 13.5px;
      transition: background .2s ease, transform .2s ease;
    }
    .nav .cta:hover { background: var(--mint); transform: translateY(-1px); }

    /* ---------- hero ---------- */
    .hero {
      padding: 96px 0 80px;
      position: relative;
    }
    .hero-grid {
      display: grid;
      grid-template-columns: 1.15fr 0.85fr;
      gap: 80px;
      align-items: center;
    }
    .eyebrow {
      display: inline-flex; align-items: center; gap: 10px;
      font-family: var(--mono);
      font-size: 11.5px;
      letter-spacing: 0.18em;
      text-transform: uppercase;
      color: var(--mint);
      padding: 7px 14px;
      border: 1px solid var(--mint-line);
      border-radius: 999px;
      background: var(--mint-soft);
      margin-bottom: 32px;
    }
    .eyebrow .dot {
      width: 6px; height: 6px; border-radius: 50%;
      background: var(--mint);
      box-shadow: 0 0 0 0 rgba(111, 233, 200, 0.7);
      animation: pulseDot 2s infinite;
    }
    @keyframes pulseDot {
      70% { box-shadow: 0 0 0 10px rgba(111, 233, 200, 0); }
      100% { box-shadow: 0 0 0 0 rgba(111, 233, 200, 0); }
    }

    h1.display {
      font-family: var(--serif);
      font-weight: 400;
      font-size: clamp(46px, 6.4vw, 92px);
      line-height: 0.97;
      letter-spacing: -0.025em;
      color: var(--ink);
      margin-bottom: 28px;
    }
    h1.display .ital {
      font-style: italic;
      font-weight: 300;
      color: var(--mint);
    }
    h1.display .num {
      font-feature-settings: 'lnum';
      color: var(--gold);
      font-weight: 500;
    }
    h1.display .accent-line {
      display: inline-block;
      position: relative;
    }
    h1.display .accent-line::after {
      content: '';
      position: absolute;
      left: 0; right: 0;
      bottom: 0.08em;
      height: 0.06em;
      background: linear-gradient(90deg, var(--mint), var(--gold));
      border-radius: 2px;
      animation: drawLine 1.4s 0.8s both ease-out;
      transform-origin: left;
      transform: scaleX(0);
    }
    @keyframes drawLine { to { transform: scaleX(1); } }

    .lede {
      font-size: 19px;
      line-height: 1.55;
      color: var(--ink-mute);
      max-width: 560px;
      margin-bottom: 40px;
    }
    .actions {
      display: flex; gap: 14px; flex-wrap: wrap;
      margin-bottom: 56px;
    }
    .btn {
      display: inline-flex; align-items: center; gap: 10px;
      padding: 16px 24px;
      border-radius: 12px;
      font-family: var(--sans);
      font-weight: 700;
      font-size: 14.5px;
      letter-spacing: 0.01em;
      text-decoration: none;
      cursor: pointer;
      border: 0;
      transition: transform .2s ease, box-shadow .2s ease, background .2s ease, color .2s ease;
    }
    .btn-primary {
      background: var(--ink);
      color: var(--bg-deep);
      box-shadow: 0 1px 0 rgba(255,255,255,0.4) inset, 0 18px 40px -12px rgba(111, 233, 200, 0.35);
    }
    .btn-primary:hover {
      background: var(--mint);
      transform: translateY(-2px);
      box-shadow: 0 1px 0 rgba(255,255,255,0.4) inset, 0 22px 50px -10px rgba(111, 233, 200, 0.55);
    }
    .btn-ghost {
      background: transparent;
      color: var(--ink);
      border: 1px solid var(--line-hi);
    }
    .btn-ghost:hover {
      background: var(--bg-card-hi);
      border-color: var(--mint-line);
      transform: translateY(-2px);
    }
    .btn .arrow { transition: transform .25s ease; }
    .btn:hover .arrow { transform: translateX(4px); }

    .meta-row {
      display: flex; flex-wrap: wrap; gap: 28px 40px;
      padding-top: 28px;
      border-top: 1px solid var(--line);
    }
    .meta-item {
      display: flex; flex-direction: column; gap: 4px;
    }
    .meta-num {
      font-family: var(--serif);
      font-size: 28px;
      font-weight: 500;
      color: var(--ink);
      letter-spacing: -0.02em;
      font-feature-settings: 'lnum';
    }
    .meta-num .small { font-size: 18px; color: var(--ink-mute); font-weight: 400; }
    .meta-label {
      font-family: var(--mono);
      font-size: 10.5px;
      letter-spacing: 0.16em;
      text-transform: uppercase;
      color: var(--ink-faint);
    }

    /* ---------- hero visual: ticker plate ---------- */
    .hero-visual {
      position: relative;
      aspect-ratio: 0.9 / 1;
      max-height: 640px;
    }
    .plate {
      position: absolute;
      inset: 0;
      border: 1px solid var(--line-hi);
      border-radius: var(--rad-lg);
      background:
        linear-gradient(180deg, rgba(111, 233, 200, 0.04), rgba(0,0,0,0.0) 30%),
        linear-gradient(180deg, rgba(20, 32, 28, 0.6), rgba(8, 16, 14, 0.85));
      overflow: hidden;
      box-shadow:
        0 1px 0 rgba(255,255,255,0.05) inset,
        0 40px 80px -30px rgba(0, 0, 0, 0.7);
    }
    .plate::before {
      content: '';
      position: absolute; inset: 0;
      background-image:
        linear-gradient(to right, rgba(255,255,255,0.025) 1px, transparent 1px),
        linear-gradient(to bottom, rgba(255,255,255,0.025) 1px, transparent 1px);
      background-size: 36px 36px;
      mask-image: radial-gradient(ellipse at center, black 30%, transparent 75%);
      -webkit-mask-image: radial-gradient(ellipse at center, black 30%, transparent 75%);
    }
    .plate-header {
      position: absolute; top: 0; left: 0; right: 0;
      padding: 18px 22px;
      display: flex; justify-content: space-between; align-items: center;
      border-bottom: 1px solid var(--line);
      font-family: var(--mono);
      font-size: 11px;
      letter-spacing: 0.14em;
      text-transform: uppercase;
      color: var(--ink-faint);
      background: rgba(0,0,0,0.25);
      z-index: 2;
    }
    .plate-header .live {
      display: inline-flex; align-items: center; gap: 8px;
      color: var(--mint);
    }
    .plate-header .live::before {
      content: ''; width: 6px; height: 6px; border-radius: 50%;
      background: var(--mint); box-shadow: 0 0 8px var(--mint);
      animation: pulseDot 1.6s infinite;
    }
    .plate-body {
      position: absolute;
      top: 50px; left: 0; right: 0; bottom: 46px;
      padding: 28px 22px 22px;
      display: flex; flex-direction: column;
      justify-content: space-between;
      gap: 16px;
    }
    .central-figure {
      text-align: center;
      padding: 18px 0;
    }
    .central-figure .label {
      font-family: var(--mono);
      font-size: 10.5px;
      letter-spacing: 0.18em;
      text-transform: uppercase;
      color: var(--ink-faint);
      margin-bottom: 8px;
    }
    .central-figure .amount {
      font-family: var(--serif);
      font-weight: 400;
      font-size: clamp(56px, 9vw, 96px);
      letter-spacing: -0.03em;
      line-height: 1;
      background: linear-gradient(180deg, #f5e7c0 0%, #d4b572 60%, #a3895a 100%);
      -webkit-background-clip: text;
      background-clip: text;
      -webkit-text-fill-color: transparent;
      filter: drop-shadow(0 6px 30px rgba(212, 181, 114, 0.15));
    }
    .central-figure .caption {
      font-size: 13px;
      color: var(--ink-mute);
      margin-top: 6px;
      font-weight: 500;
    }
    .ticker-rows {
      display: flex; flex-direction: column;
      gap: 10px;
    }
    .ticker-row {
      display: flex; justify-content: space-between; align-items: center;
      padding: 12px 14px;
      background: rgba(255,255,255,0.025);
      border: 1px solid var(--line);
      border-radius: 10px;
      font-family: var(--mono);
      font-size: 12.5px;
      transition: background .25s ease, border-color .25s ease, transform .25s ease;
    }
    .ticker-row:hover {
      background: rgba(111, 233, 200, 0.06);
      border-color: var(--mint-line);
      transform: translateX(4px);
    }
    .ticker-row .bank {
      color: var(--ink);
      letter-spacing: 0.05em;
      text-transform: uppercase;
      font-weight: 500;
    }
    .ticker-row .status {
      display: inline-flex; align-items: center; gap: 8px;
      color: var(--mint);
      font-size: 11px;
      letter-spacing: 0.12em;
      text-transform: uppercase;
    }
    .ticker-row .status::before {
      content: ''; width: 5px; height: 5px; border-radius: 50%;
      background: var(--mint);
      box-shadow: 0 0 6px var(--mint);
    }
    .plate-footer {
      position: absolute;
      bottom: 0; left: 0; right: 0;
      padding: 14px 22px;
      border-top: 1px solid var(--line);
      display: flex; justify-content: space-between;
      font-family: var(--mono);
      font-size: 10.5px;
      letter-spacing: 0.14em;
      text-transform: uppercase;
      color: var(--ink-faint);
      background: rgba(0,0,0,0.25);
      z-index: 2;
    }

    /* floating callouts beside plate */
    .callout {
      position: absolute;
      padding: 14px 16px;
      background: rgba(7, 22, 19, 0.92);
      border: 1px solid var(--mint-line);
      border-radius: 14px;
      backdrop-filter: blur(10px);
      box-shadow: 0 24px 50px -20px rgba(0,0,0,0.6);
      z-index: 3;
      animation: floatY 6s ease-in-out infinite;
    }
    @keyframes floatY {
      0%, 100% { transform: translateY(0); }
      50% { transform: translateY(-10px); }
    }
    .callout .ic {
      font-family: var(--mono); font-size: 10px;
      letter-spacing: 0.16em; text-transform: uppercase;
      color: var(--mint); margin-bottom: 4px;
    }
    .callout .val {
      font-family: var(--serif); font-size: 18px; color: var(--ink);
      font-weight: 500;
    }
    .callout-1 { top: 32%; left: -42px; animation-delay: 0s; }
    .callout-2 { bottom: -8px; right: -36px; animation-delay: 1.5s; }

    /* ---------- floating debit card (hero overlay) ---------- */
    .debit-card {
      position: absolute;
      bottom: -52px;
      left: -28px;
      width: 270px;
      aspect-ratio: 1.586 / 1;  /* ISO/IEC 7810 ID-1 — real card proportions */
      border-radius: 14px;
      padding: 18px 20px;
      z-index: 4;
      transform: rotate(-7deg);
      animation: floatY 7s ease-in-out infinite;
      animation-delay: 2.2s;
      background:
        radial-gradient(circle at 80% 0%, rgba(212, 181, 114, 0.22), transparent 55%),
        radial-gradient(circle at 0% 100%, rgba(111, 233, 200, 0.15), transparent 55%),
        linear-gradient(135deg, #0d2622 0%, #061614 60%, #030c0a 100%);
      border: 1px solid rgba(255, 255, 255, 0.12);
      box-shadow:
        0 1px 0 rgba(255, 255, 255, 0.08) inset,
        0 30px 60px -20px rgba(0, 0, 0, 0.7),
        0 8px 18px -8px rgba(212, 181, 114, 0.25);
      color: var(--ink);
      display: flex; flex-direction: column; justify-content: space-between;
      overflow: hidden;
    }
    /* Subtle holographic shimmer on the card */
    .debit-card::before {
      content: '';
      position: absolute;
      top: -50%; left: -50%; right: -50%; bottom: -50%;
      background: conic-gradient(from 200deg at 50% 50%,
        transparent 0deg, rgba(212, 181, 114, 0.08) 60deg,
        transparent 120deg, rgba(111, 233, 200, 0.06) 200deg, transparent 280deg);
      animation: spinSlow 14s linear infinite;
      pointer-events: none;
    }
    @keyframes spinSlow { to { transform: rotate(360deg); } }
    .debit-card-top {
      display: flex; justify-content: space-between; align-items: flex-start;
      position: relative; z-index: 1;
    }
    .debit-card-bank {
      font-family: var(--serif);
      font-size: 14px;
      font-weight: 500;
      letter-spacing: 0.02em;
      line-height: 1.1;
    }
    .debit-card-bank span {
      display: block;
      font-family: var(--mono);
      font-size: 9px;
      letter-spacing: 0.16em;
      text-transform: uppercase;
      color: var(--ink-faint);
      font-weight: 400;
      margin-top: 3px;
    }
    .debit-card-chip {
      width: 32px; height: 24px;
      border-radius: 5px;
      background:
        linear-gradient(135deg, #d4b572 0%, #f5e7c0 35%, #b8985a 70%, #d4b572 100%);
      border: 1px solid rgba(0,0,0,0.2);
      position: relative;
      box-shadow: 0 2px 6px rgba(0,0,0,0.3);
    }
    .debit-card-chip::before,
    .debit-card-chip::after {
      content: '';
      position: absolute;
      background: rgba(0,0,0,0.18);
    }
    .debit-card-chip::before {
      top: 4px; bottom: 4px; left: 9px; right: 9px;
      border-left: 1px solid rgba(0,0,0,0.2);
      border-right: 1px solid rgba(0,0,0,0.2);
    }
    .debit-card-chip::after {
      top: 8px; left: 4px; right: 4px; height: 1px;
      box-shadow: 0 4px 0 rgba(0,0,0,0.18);
    }
    .debit-card-num {
      font-family: var(--mono);
      font-size: 14px;
      letter-spacing: 0.08em;
      color: var(--ink);
      position: relative; z-index: 1;
      margin: 6px 0 4px;
      text-shadow: 0 1px 0 rgba(0,0,0,0.4);
    }
    .debit-card-bottom {
      display: flex; justify-content: space-between; align-items: flex-end;
      position: relative; z-index: 1;
      gap: 14px;
    }
    .debit-card-name {
      font-family: var(--mono);
      font-size: 9.5px;
      letter-spacing: 0.14em;
      text-transform: uppercase;
      color: var(--ink-mute);
    }
    .debit-card-name strong {
      display: block;
      color: var(--ink);
      font-weight: 500;
      margin-top: 2px;
      letter-spacing: 0.1em;
    }
    .debit-card-network {
      font-family: var(--serif);
      font-size: 13px;
      font-style: italic;
      color: var(--gold);
      font-weight: 500;
      letter-spacing: 0.02em;
      display: flex; align-items: center; gap: 4px;
    }
    .debit-card-network::before {
      content: '';
      width: 14px; height: 14px;
      border-radius: 50%;
      background: radial-gradient(circle, var(--mint) 30%, transparent 70%);
      opacity: 0.7;
      margin-right: -4px;
    }
    .debit-card-network::after {
      content: '';
      width: 14px; height: 14px;
      border-radius: 50%;
      background: radial-gradient(circle, var(--gold) 30%, transparent 70%);
      opacity: 0.7;
      margin-left: -8px;
      margin-right: 4px;
    }

    /* ---------- BANKING SECTION (account dashboard mock) ---------- */
    section.banking {
      padding: 100px 0 120px;
      position: relative;
    }
    .banking-grid {
      display: grid;
      grid-template-columns: 1fr 1.1fr;
      gap: 64px;
      align-items: center;
    }
    .banking-text { max-width: 480px; }
    .banking-visual {
      position: relative;
    }

    /* The dashboard mockup */
    .dashboard {
      position: relative;
      border-radius: var(--rad-lg);
      background:
        linear-gradient(180deg, rgba(111,233,200,0.04) 0%, transparent 30%),
        linear-gradient(180deg, rgba(20, 32, 28, 0.7), rgba(8, 16, 14, 0.92));
      border: 1px solid var(--line-hi);
      box-shadow:
        0 1px 0 rgba(255,255,255,0.05) inset,
        0 50px 100px -40px rgba(0, 0, 0, 0.7);
      overflow: hidden;
    }
    .dashboard-bar {
      display: flex; align-items: center; justify-content: space-between;
      padding: 14px 20px;
      border-bottom: 1px solid var(--line);
      background: rgba(0,0,0,0.25);
      font-family: var(--mono);
      font-size: 11px;
      letter-spacing: 0.14em;
      text-transform: uppercase;
      color: var(--ink-faint);
    }
    .dashboard-bar .dots {
      display: inline-flex; gap: 6px;
    }
    .dashboard-bar .dots span {
      width: 8px; height: 8px; border-radius: 50%;
      background: rgba(255,255,255,0.15);
    }
    .dashboard-bar .dots span:first-child { background: #ed6a5e; }
    .dashboard-bar .dots span:nth-child(2) { background: #f5bf4f; }
    .dashboard-bar .dots span:nth-child(3) { background: #62c554; }
    .dashboard-body { padding: 24px; }

    /* Balance row */
    .acct-row {
      display: grid;
      grid-template-columns: 1.4fr 1fr;
      gap: 14px;
      margin-bottom: 20px;
    }
    .acct-card {
      background: rgba(255,255,255,0.025);
      border: 1px solid var(--line);
      border-radius: 12px;
      padding: 16px 18px;
    }
    .acct-card-label {
      font-family: var(--mono);
      font-size: 10.5px;
      letter-spacing: 0.16em;
      text-transform: uppercase;
      color: var(--ink-faint);
      margin-bottom: 10px;
      display: flex; align-items: center; gap: 8px;
    }
    .acct-card-label::before {
      content: '';
      width: 5px; height: 5px; border-radius: 50%;
      background: var(--mint);
      box-shadow: 0 0 6px var(--mint);
    }
    .acct-card-balance {
      font-family: var(--serif);
      font-size: 32px;
      font-weight: 500;
      letter-spacing: -0.02em;
      color: var(--ink);
      line-height: 1;
      font-feature-settings: 'lnum';
    }
    .acct-card-balance .currency {
      font-size: 18px;
      color: var(--ink-mute);
      font-weight: 400;
      vertical-align: top;
      margin-right: 2px;
    }
    .acct-card-meta {
      font-family: var(--mono);
      font-size: 11px;
      color: var(--ink-faint);
      margin-top: 8px;
      letter-spacing: 0.04em;
    }
    .acct-card-meta .up { color: var(--mint); }

    /* Mini sparkline (CSS only) */
    .sparkline {
      height: 36px;
      display: flex; align-items: flex-end;
      gap: 3px;
      margin-top: 10px;
    }
    .sparkline span {
      flex: 1;
      background: linear-gradient(180deg, var(--mint), rgba(111,233,200,0.2));
      border-radius: 2px;
      opacity: 0.75;
      transition: opacity .25s ease;
    }
    .sparkline span:hover { opacity: 1; }

    /* Transaction list */
    .txns {
      border-top: 1px solid var(--line);
      padding-top: 18px;
    }
    .txns-head {
      font-family: var(--mono);
      font-size: 10.5px;
      letter-spacing: 0.16em;
      text-transform: uppercase;
      color: var(--ink-faint);
      margin-bottom: 12px;
      display: flex; justify-content: space-between;
    }
    .txns-head a { color: var(--mint); text-decoration: none; }
    .txn {
      display: grid;
      grid-template-columns: 32px 1fr auto;
      gap: 12px;
      align-items: center;
      padding: 10px 0;
      border-bottom: 1px solid var(--line-soft, rgba(255,255,255,0.04));
    }
    .txn:last-child { border-bottom: 0; }
    .txn-icon {
      width: 32px; height: 32px;
      border-radius: 50%;
      background: rgba(111, 233, 200, 0.1);
      border: 1px solid var(--mint-line);
      display: grid; place-items: center;
      color: var(--mint);
      font-family: var(--mono);
      font-size: 11px;
      font-weight: 600;
    }
    .txn-icon.out {
      background: rgba(212, 181, 114, 0.1);
      border-color: rgba(212, 181, 114, 0.32);
      color: var(--gold);
    }
    .txn-detail strong {
      display: block;
      font-size: 13.5px;
      color: var(--ink);
      font-weight: 500;
      margin-bottom: 2px;
    }
    .txn-detail span {
      font-family: var(--mono);
      font-size: 11px;
      color: var(--ink-faint);
      letter-spacing: 0.04em;
    }
    .txn-amount {
      font-family: var(--mono);
      font-size: 13.5px;
      font-weight: 500;
      color: var(--mint);
      letter-spacing: 0.02em;
    }
    .txn-amount.out { color: var(--gold); }

    /* Floating phone mockup */
    .phone {
      position: absolute;
      right: -56px;
      bottom: -48px;
      width: 188px;
      aspect-ratio: 9 / 19.5;
      background: linear-gradient(180deg, #0a1f1a 0%, #051310 100%);
      border-radius: 28px;
      border: 1px solid rgba(255,255,255,0.14);
      padding: 10px;
      box-shadow:
        0 1px 0 rgba(255,255,255,0.08) inset,
        0 0 0 4px #1a2622,
        0 40px 80px -30px rgba(0, 0, 0, 0.8);
      z-index: 4;
      transform: rotate(6deg);
      animation: floatY 8s ease-in-out infinite;
      animation-delay: 1s;
    }
    .phone-screen {
      width: 100%; height: 100%;
      background:
        radial-gradient(circle at 50% 0%, rgba(111,233,200,0.18), transparent 50%),
        linear-gradient(180deg, #04100d, #061614);
      border-radius: 22px;
      padding: 28px 14px 14px;
      display: flex; flex-direction: column; gap: 8px;
      position: relative;
    }
    .phone-screen::before {
      content: '';
      position: absolute;
      top: 8px; left: 50%;
      transform: translateX(-50%);
      width: 50px; height: 5px;
      background: #000;
      border-radius: 999px;
    }
    .phone-greet {
      font-family: var(--mono);
      font-size: 8px;
      letter-spacing: 0.14em;
      text-transform: uppercase;
      color: var(--ink-faint);
    }
    .phone-balance {
      font-family: var(--serif);
      font-size: 22px;
      font-weight: 500;
      letter-spacing: -0.02em;
      color: var(--ink);
      line-height: 1;
      margin: 4px 0 12px;
    }
    .phone-tile {
      background: rgba(255,255,255,0.05);
      border: 1px solid var(--line);
      border-radius: 8px;
      padding: 8px 10px;
      font-family: var(--mono);
      font-size: 9px;
      letter-spacing: 0.08em;
      color: var(--ink-mute);
      display: flex; justify-content: space-between; align-items: center;
    }
    .phone-tile strong { color: var(--mint); font-weight: 600; }
    .phone-grid {
      display: grid;
      grid-template-columns: 1fr 1fr;
      gap: 6px;
      margin-top: 10px;
    }
    .phone-action {
      background: rgba(111,233,200,0.07);
      border: 1px solid var(--mint-line);
      border-radius: 8px;
      padding: 10px 6px;
      text-align: center;
      font-family: var(--mono);
      font-size: 8px;
      letter-spacing: 0.1em;
      text-transform: uppercase;
      color: var(--mint);
    }

    /* Currency strip — under the dashboard */
    .currency-strip {
      display: flex;
      gap: 8px;
      flex-wrap: wrap;
      margin-top: 24px;
    }
    .currency-pill {
      display: inline-flex; align-items: center; gap: 8px;
      padding: 7px 12px;
      border: 1px solid var(--line);
      border-radius: 999px;
      background: rgba(255,255,255,0.025);
      font-family: var(--mono);
      font-size: 11px;
      letter-spacing: 0.1em;
      color: var(--ink-mute);
    }
    .currency-pill strong {
      color: var(--mint);
      font-weight: 600;
    }

    /* ---------- generic section ---------- */
    section.block {
      padding: 100px 0;
      position: relative;
    }
    .section-header {
      max-width: 760px;
      margin-bottom: 56px;
    }
    .section-eyebrow {
      font-family: var(--mono);
      font-size: 11px;
      letter-spacing: 0.22em;
      text-transform: uppercase;
      color: var(--mint);
      margin-bottom: 20px;
      display: flex; align-items: center; gap: 12px;
    }
    .section-eyebrow::before {
      content: ''; width: 28px; height: 1px; background: var(--mint);
    }
    h2.section-title {
      font-family: var(--serif);
      font-weight: 400;
      font-size: clamp(32px, 4.5vw, 56px);
      line-height: 1.05;
      letter-spacing: -0.02em;
      color: var(--ink);
      margin-bottom: 20px;
    }
    h2.section-title .ital { font-style: italic; color: var(--mint); font-weight: 300; }
    .section-lede {
      font-size: 17px;
      line-height: 1.6;
      color: var(--ink-mute);
      max-width: 640px;
    }

    /* ---------- banks ---------- */
    .bank-grid {
      display: grid;
      grid-template-columns: repeat(4, 1fr);
      gap: 0;
      border-top: 1px solid var(--line);
      border-left: 1px solid var(--line);
    }
    .bank-card {
      padding: 32px 26px 36px;
      border-right: 1px solid var(--line);
      border-bottom: 1px solid var(--line);
      transition: background .3s ease;
      position: relative;
      overflow: hidden;
    }
    .bank-card::before {
      content: '';
      position: absolute; inset: 0;
      background: linear-gradient(180deg, var(--mint-soft), transparent 60%);
      opacity: 0;
      transition: opacity .3s ease;
    }
    .bank-card:hover { background: rgba(255,255,255,0.02); }
    .bank-card:hover::before { opacity: 1; }
    .bank-card > * { position: relative; }
    .bank-num {
      font-family: var(--mono);
      font-size: 11px;
      letter-spacing: 0.18em;
      color: var(--ink-faint);
      margin-bottom: 24px;
    }
    .bank-name {
      font-family: var(--serif);
      font-weight: 500;
      font-size: 24px;
      color: var(--ink);
      margin-bottom: 14px;
      letter-spacing: -0.01em;
      line-height: 1.15;
    }
    .bank-desc {
      font-size: 14.5px;
      color: var(--ink-mute);
      line-height: 1.6;
      margin-bottom: 26px;
    }
    .bank-tag {
      display: inline-block;
      font-family: var(--mono);
      font-size: 10.5px;
      letter-spacing: 0.14em;
      text-transform: uppercase;
      color: var(--mint);
      padding: 5px 11px;
      border: 1px solid var(--mint-line);
      border-radius: 999px;
      background: var(--mint-soft);
    }

    /* ---------- solutions: editorial split ---------- */
    .solutions {
      display: grid;
      grid-template-columns: 1fr;
      gap: 0;
      border-top: 1px solid var(--line);
    }
    .solution-row {
      display: grid;
      grid-template-columns: 80px 1fr 2fr 200px;
      gap: 40px;
      align-items: start;
      padding: 36px 0;
      border-bottom: 1px solid var(--line);
      transition: padding .3s ease;
    }
    .solution-row:hover { padding-left: 12px; }
    .solution-num {
      font-family: var(--mono);
      font-size: 12px;
      letter-spacing: 0.14em;
      color: var(--ink-faint);
      padding-top: 8px;
    }
    .solution-name {
      font-family: var(--serif);
      font-weight: 500;
      font-size: 26px;
      color: var(--ink);
      letter-spacing: -0.01em;
      line-height: 1.2;
    }
    .solution-desc {
      font-size: 15.5px;
      color: var(--ink-mute);
      line-height: 1.6;
    }
    .solution-tags {
      display: flex; flex-wrap: wrap; gap: 6px;
      justify-content: flex-end;
    }
    .solution-tags span {
      font-family: var(--mono);
      font-size: 10.5px;
      letter-spacing: 0.1em;
      text-transform: uppercase;
      color: var(--ink-mute);
      padding: 4px 9px;
      border: 1px solid var(--line-hi);
      border-radius: 999px;
    }

    /* ---------- process strip ---------- */
    .process {
      display: grid;
      grid-template-columns: repeat(4, 1fr);
      gap: 0;
      border: 1px solid var(--line);
      border-radius: var(--rad-lg);
      overflow: hidden;
      background:
        linear-gradient(180deg, rgba(111,233,200,0.04), transparent 60%),
        rgba(255,255,255,0.015);
    }
    .process-step {
      padding: 32px 28px;
      border-right: 1px solid var(--line);
      position: relative;
    }
    .process-step:last-child { border-right: 0; }
    .process-step .step-num {
      font-family: var(--serif);
      font-size: 32px;
      color: var(--mint);
      font-weight: 400;
      font-style: italic;
      margin-bottom: 18px;
    }
    .process-step h4 {
      font-family: var(--sans);
      font-size: 15px;
      font-weight: 700;
      color: var(--ink);
      margin-bottom: 10px;
      letter-spacing: 0.01em;
    }
    .process-step p {
      font-size: 13.5px;
      color: var(--ink-mute);
      line-height: 1.55;
    }

    /* ---------- form section ---------- */
    .form-block {
      display: grid;
      grid-template-columns: 0.85fr 1.15fr;
      gap: 64px;
      align-items: start;
    }
    .form-side h2.section-title { margin-bottom: 24px; }
    .reassure-list {
      list-style: none;
      margin-top: 28px;
      padding-top: 28px;
      border-top: 1px solid var(--line);
    }
    .reassure-list li {
      display: flex; gap: 14px;
      padding: 12px 0;
      font-size: 15px;
      color: var(--ink-mute);
      line-height: 1.5;
    }
    .reassure-list .check {
      flex-shrink: 0;
      width: 22px; height: 22px;
      border-radius: 50%;
      background: var(--mint-soft);
      border: 1px solid var(--mint-line);
      display: grid; place-items: center;
      color: var(--mint);
      font-size: 12px; font-weight: 700;
    }

    .form-card {
      background: linear-gradient(180deg, rgba(255,255,255,0.04), rgba(255,255,255,0.015));
      border: 1px solid var(--line-hi);
      border-radius: var(--rad-lg);
      padding: 36px;
      box-shadow: 0 60px 100px -50px rgba(0,0,0,0.7);
      position: relative;
    }
    .form-card::before {
      content: ''; position: absolute;
      top: -1px; left: 24px; right: 24px;
      height: 1px;
      background: linear-gradient(90deg, transparent, var(--mint-line), transparent);
    }
    .form-card-head {
      display: flex; justify-content: space-between; align-items: baseline;
      margin-bottom: 28px;
      padding-bottom: 20px;
      border-bottom: 1px solid var(--line);
    }
    .form-card-head h3 {
      font-family: var(--serif);
      font-weight: 500;
      font-size: 22px;
      color: var(--ink);
      letter-spacing: -0.01em;
    }
    .form-card-head .step {
      font-family: var(--mono);
      font-size: 11px;
      letter-spacing: 0.16em;
      text-transform: uppercase;
      color: var(--ink-faint);
    }

    .form-grid {
      display: grid;
      grid-template-columns: 1fr 1fr;
      gap: 18px 16px;
    }
    .field { display: flex; flex-direction: column; gap: 7px; }
    .field.full { grid-column: 1 / -1; }
    .field label {
      font-family: var(--mono);
      font-size: 10.5px;
      letter-spacing: 0.14em;
      text-transform: uppercase;
      color: var(--ink-mute);
      font-weight: 500;
    }
    .field input,
    .field select,
    .field textarea {
      width: 100%;
      padding: 13px 14px;
      border-radius: 10px;
      border: 1px solid var(--line-hi);
      background: rgba(0,0,0,0.32);
      color: var(--ink);
      font-family: var(--sans);
      font-size: 14.5px;
      outline: none;
      transition: border-color .2s ease, background .2s ease;
    }
    .field input::placeholder,
    .field textarea::placeholder { color: var(--ink-faint); }
    .field input:focus,
    .field select:focus,
    .field textarea:focus {
      border-color: var(--mint);
      background: rgba(111,233,200,0.05);
      box-shadow: 0 0 0 3px rgba(111,233,200,0.12);
    }
    .field select {
      appearance: none;
      -webkit-appearance: none;
      background-image: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' width='14' height='14' viewBox='0 0 14 14'><path d='M3 5l4 4 4-4' stroke='%236fe9c8' stroke-width='1.6' fill='none' stroke-linecap='round' stroke-linejoin='round'/></svg>");
      background-repeat: no-repeat;
      background-position: right 14px center;
      padding-right: 38px;
      cursor: pointer;
    }
    /* Native dropdown menu items — must have explicit dark text on white,
       otherwise some browsers/OSes inherit the page's near-white text and
       options become invisible when the dropdown opens. */
    .field select option {
      background-color: #ffffff;
      color: #0d1f1b;
      font-family: var(--sans);
      padding: 8px;
    }
    .field select option:checked,
    .field select option:hover {
      background-color: #e6f7f1;
      color: #0d1f1b;
    }
    .field textarea { min-height: 110px; resize: vertical; line-height: 1.5; }

    .submit-row {
      margin-top: 26px;
      display: flex; flex-direction: column; gap: 14px;
    }
    .submit-btn {
      width: 100%;
      padding: 18px 20px;
      border-radius: 12px;
      border: 0;
      background: var(--ink);
      color: var(--bg-deep);
      font-family: var(--sans);
      font-weight: 800;
      font-size: 15.5px;
      letter-spacing: 0.01em;
      cursor: pointer;
      display: inline-flex; align-items: center; justify-content: center; gap: 10px;
      transition: background .2s ease, transform .2s ease, box-shadow .2s ease;
    }
    .submit-btn:hover:not(:disabled) {
      background: var(--mint);
      transform: translateY(-2px);
      box-shadow: 0 20px 40px -16px rgba(111,233,200,0.55);
    }
    .submit-btn:disabled { opacity: 0.6; cursor: wait; }
    .submit-btn .arrow { transition: transform .25s ease; }
    .submit-btn:hover:not(:disabled) .arrow { transform: translateX(5px); }
    .privacy {
      font-size: 12.5px;
      color: var(--ink-faint);
      text-align: center;
      line-height: 1.5;
    }
    .privacy strong { color: var(--ink-mute); font-weight: 600; }

    /* form status messages */
    .form-status {
      display: none;
      padding: 14px 16px;
      border-radius: 10px;
      font-size: 14px;
      line-height: 1.5;
      margin-top: 8px;
    }
    .form-status.show { display: block; animation: fadeUp .35s ease both; }
    .form-status.success {
      background: rgba(111,233,200,0.08);
      border: 1px solid var(--mint-line);
      color: var(--mint);
    }
    .form-status.error {
      background: rgba(231, 90, 90, 0.08);
      border: 1px solid rgba(231, 90, 90, 0.35);
      color: #f7a4a4;
    }
    @keyframes fadeUp {
      from { opacity: 0; transform: translateY(8px); }
      to   { opacity: 1; transform: translateY(0); }
    }

    /* ---------- footer ---------- */
    footer {
      border-top: 1px solid var(--line);
      padding: 56px 0 36px;
      position: relative;
      z-index: 2;
      margin-top: 40px;
    }
    .footer-grid {
      display: grid;
      grid-template-columns: 1.4fr 1fr 1fr 1fr;
      gap: 48px;
      margin-bottom: 48px;
    }
    .footer-grid img.flogo {
      height: 38px;
      margin-bottom: 18px;
      filter: drop-shadow(0 4px 14px rgba(111,233,200,0.18));
    }
    .footer-grid p.pitch {
      font-size: 14px;
      color: var(--ink-mute);
      line-height: 1.6;
      max-width: 320px;
    }
    .footer-col h5 {
      font-family: var(--mono);
      font-size: 11px;
      letter-spacing: 0.18em;
      text-transform: uppercase;
      color: var(--ink-faint);
      margin-bottom: 18px;
      font-weight: 500;
    }
    .footer-col a, .footer-col p {
      display: block;
      color: var(--ink-mute);
      font-size: 14.5px;
      text-decoration: none;
      padding: 5px 0;
      transition: color .2s ease;
    }
    .footer-col a:hover { color: var(--mint); }
    .footer-bar {
      padding-top: 24px;
      border-top: 1px solid var(--line);
      display: flex; justify-content: space-between; flex-wrap: wrap; gap: 14px;
      font-family: var(--mono);
      font-size: 11px;
      letter-spacing: 0.14em;
      text-transform: uppercase;
      color: var(--ink-faint);
    }

    /* ---------- entrance animations ---------- */
    /* Only hide when JS is ready and the IntersectionObserver is attached.
       Without JS, content renders immediately (no flash, no broken page). */
    .js .reveal {
      opacity: 0;
      transform: translateY(24px);
      transition: opacity .9s ease, transform .9s ease;
    }
    .js .reveal.in {
      opacity: 1;
      transform: translateY(0);
    }
    .stagger > * { transition-delay: 0s; }
    .stagger.in > *:nth-child(1) { transition-delay: 0.05s; }
    .stagger.in > *:nth-child(2) { transition-delay: 0.15s; }
    .stagger.in > *:nth-child(3) { transition-delay: 0.25s; }
    .stagger.in > *:nth-child(4) { transition-delay: 0.35s; }

    /* ---------- responsive ---------- */
    @media (max-width: 1080px) {
      .hero-grid { grid-template-columns: 1fr; gap: 60px; }
      .hero-visual { aspect-ratio: 1.2 / 1; max-width: 600px; margin: 0 auto; width: 100%; }
      .form-block { grid-template-columns: 1fr; gap: 40px; }
      .bank-grid { grid-template-columns: repeat(2, 1fr); }
      .process { grid-template-columns: repeat(2, 1fr); }
      .process-step:nth-child(2) { border-right: 0; }
      .process-step:nth-child(1), .process-step:nth-child(2) { border-bottom: 1px solid var(--line); }
      .footer-grid { grid-template-columns: 1fr 1fr; }
      .banking-grid { grid-template-columns: 1fr; gap: 56px; }
      .phone { right: -20px; bottom: -32px; width: 160px; }
      .debit-card { width: 240px; }
    }
    @media (max-width: 720px) {
      .nav { gap: 14px; }
      .nav a:not(.cta) { display: none; }
      .hero { padding: 64px 0 48px; }
      section.block { padding: 72px 0; }
      .meta-row { gap: 22px 28px; }
      .meta-num { font-size: 22px; }
      .form-card { padding: 24px; }
      .form-grid { grid-template-columns: 1fr; }
      .solution-row {
        grid-template-columns: 1fr;
        gap: 12px;
        padding: 28px 0;
      }
      .solution-tags { justify-content: flex-start; }
      .callout { display: none; }
      .debit-card { display: none; }
      .phone { display: none; }
      .banking-grid { grid-template-columns: 1fr; gap: 40px; }
      .footer-grid { grid-template-columns: 1fr; gap: 32px; }
      .footer-bar { font-size: 10px; }
      .topbar-inner { padding: 14px 0; }
      .brand img { height: 36px; }

      /* Let the plate grow to fit its content — no aspect-ratio clipping. */
      .hero-visual { aspect-ratio: auto; max-height: none; min-height: 0; }
      .plate { position: relative; inset: auto; }
      .plate-header { position: relative; }
      .plate-body {
        position: relative;
        top: auto; left: auto; right: auto; bottom: auto;
        padding: 24px 20px;
      }
      .plate-footer { position: relative; bottom: auto; }
      .central-figure .amount { font-size: 56px; }
    }
    @media (max-width: 480px) {
      .bank-grid, .process { grid-template-columns: 1fr; }
      .bank-card { border-right: 0; }
      .process-step { border-right: 0; border-bottom: 1px solid var(--line); }
      .process-step:last-child { border-bottom: 0; }
    }

    @media (prefers-reduced-motion: reduce) {
      *, *::before, *::after {
        animation-duration: 0.001s !important;
        transition-duration: 0.001s !important;
      }
      .reveal { opacity: 1; transform: none; }
    }


    /* ==========================================================
       INDIVIDUAL LANDING PAGE — additional styles
       ========================================================== */

    /* Hero variant: card-and-phone front-and-centre */
    .individual-hero {
      padding: 96px 0 120px;
    }
    .hero-grid-individual {
      grid-template-columns: 1.05fr 0.95fr;
    }
    .hero-visual-individual {
      aspect-ratio: 1 / 1;
      max-height: 600px;
      position: relative;
      display: flex;
      align-items: center;
      justify-content: center;
    }

    /* Big hero debit card (centerpiece, not overlap) */
    .debit-card-hero {
      position: relative;
      bottom: auto;
      left: auto;
      width: 360px;
      transform: rotate(-6deg);
      animation: floatY 7s ease-in-out infinite;
      z-index: 3;
    }

    /* Hero phone mockup peeking from the side */
    .phone-hero {
      position: absolute;
      right: -16px;
      bottom: -28px;
      width: 200px;
      transform: rotate(8deg);
      animation: floatY 8.5s ease-in-out infinite;
      animation-delay: 1.4s;
      z-index: 4;
    }

    /* Individual-specific callouts */
    .callout-1-ind, .callout-2-ind {
      position: absolute;
      padding: 14px 16px;
      background: rgba(7, 22, 19, 0.92);
      border: 1px solid var(--mint-line);
      border-radius: 14px;
      backdrop-filter: blur(10px);
      -webkit-backdrop-filter: blur(10px);
      box-shadow: 0 24px 50px -20px rgba(0,0,0,0.6);
      z-index: 5;
      animation: floatY 6s ease-in-out infinite;
    }
    .callout-1-ind .ic, .callout-2-ind .ic {
      font-family: var(--mono); font-size: 10px;
      letter-spacing: 0.16em; text-transform: uppercase;
      color: var(--mint); margin-bottom: 4px;
    }
    .callout-1-ind .val, .callout-2-ind .val {
      font-family: var(--serif); font-size: 18px; color: var(--ink);
      font-weight: 500;
    }
    .callout-1-ind { top: 4%; left: -28px; animation-delay: 0s; }
    .callout-2-ind { bottom: 8%; left: -16px; animation-delay: 1.8s; }

    /* Banking section reversed (image on left, text on right) */
    .banking-grid-reverse {
      grid-template-columns: 1.1fr 1fr;
    }

    /* ---------- Card showcase (debit card section) ---------- */
    .card-showcase {
      position: relative;
      min-height: 460px;
      display: flex;
      flex-direction: column;
      align-items: center;
    }

    .debit-card-stack-1, .debit-card-stack-2 {
      position: absolute;
      width: 300px;
      animation: floatY 8s ease-in-out infinite;
    }
    .debit-card-stack-1 {
      top: 0;
      left: 50%;
      transform: translateX(-78%) rotate(-10deg);
      z-index: 3;
      animation-delay: 0s;
    }
    .debit-card-stack-2 {
      top: 50px;
      left: 50%;
      transform: translateX(-22%) rotate(8deg);
      z-index: 2;
      animation-delay: 1.4s;
    }
    /* Alternate card colour scheme for visual variety */
    .debit-card.alt {
      background:
        radial-gradient(circle at 80% 0%, rgba(111, 233, 200, 0.28), transparent 55%),
        radial-gradient(circle at 0% 100%, rgba(212, 181, 114, 0.16), transparent 55%),
        linear-gradient(135deg, #0a2928 0%, #051b1a 60%, #021110 100%);
    }
    .debit-card.alt .debit-card-network {
      color: var(--mint);
    }

    /* Spend feed — sits below the stacked cards */
    .spend-feed {
      position: absolute;
      bottom: 0;
      left: 50%;
      transform: translateX(-50%);
      width: 92%;
      max-width: 380px;
      background: rgba(7, 22, 19, 0.78);
      border: 1px solid var(--line-hi);
      border-radius: var(--rad-lg);
      padding: 18px 20px;
      backdrop-filter: blur(14px);
      -webkit-backdrop-filter: blur(14px);
      box-shadow: 0 30px 60px -20px rgba(0,0,0,0.5);
      z-index: 4;
    }
    .spend-feed-head {
      font-family: var(--mono);
      font-size: 10.5px;
      letter-spacing: 0.16em;
      text-transform: uppercase;
      color: var(--ink-faint);
      margin-bottom: 14px;
      padding-bottom: 12px;
      border-bottom: 1px solid var(--line);
    }
    .spend-row {
      display: grid;
      grid-template-columns: 32px 1fr auto;
      gap: 12px;
      align-items: center;
      padding: 8px 0;
    }
    .spend-row:not(:last-child) {
      border-bottom: 1px solid rgba(255,255,255,0.04);
    }
    .spend-icon {
      width: 32px; height: 32px;
      border-radius: 50%;
      background: rgba(212, 181, 114, 0.1);
      border: 1px solid rgba(212, 181, 114, 0.32);
      color: var(--gold);
      display: grid; place-items: center;
      font-size: 14px;
    }
    .spend-detail strong {
      display: block;
      font-size: 13.5px;
      color: var(--ink);
      font-weight: 500;
      margin-bottom: 2px;
    }
    .spend-detail span {
      font-family: var(--mono);
      font-size: 11px;
      color: var(--ink-faint);
      letter-spacing: 0.04em;
    }
    .spend-amount {
      font-family: var(--mono);
      font-size: 13px;
      font-weight: 500;
      color: var(--gold);
      letter-spacing: 0.02em;
    }

    /* ---------- Relationship manager section ---------- */
    .rm-grid {
      display: grid;
      grid-template-columns: 0.85fr 1.15fr;
      gap: 64px;
      align-items: start;
    }

    .rm-profile {
      background: linear-gradient(180deg, rgba(255,255,255,0.04), rgba(255,255,255,0.015));
      border: 1px solid var(--line-hi);
      border-radius: var(--rad-lg);
      padding: 36px 32px;
      box-shadow: 0 60px 100px -50px rgba(0,0,0,0.6);
      position: relative;
    }
    .rm-profile::before {
      content: '';
      position: absolute;
      top: -1px; left: 24px; right: 24px;
      height: 1px;
      background: linear-gradient(90deg, transparent, var(--mint-line), transparent);
    }

    .rm-avatar {
      width: 80px; height: 80px;
      border-radius: 50%;
      background:
        radial-gradient(circle at 30% 30%, rgba(111, 233, 200, 0.4), transparent 55%),
        radial-gradient(circle at 70% 70%, rgba(212, 181, 114, 0.3), transparent 55%),
        linear-gradient(135deg, #0d2622, #061614);
      border: 1px solid var(--mint-line);
      display: grid; place-items: center;
      font-family: var(--serif);
      font-size: 28px;
      color: var(--ink);
      font-weight: 500;
      letter-spacing: 0.02em;
      margin-bottom: 22px;
      box-shadow: 0 16px 30px -10px rgba(0,0,0,0.4);
    }

    .rm-status {
      display: inline-flex; align-items: center; gap: 8px;
      font-family: var(--mono);
      font-size: 11px;
      letter-spacing: 0.14em;
      text-transform: uppercase;
      color: var(--mint);
      padding: 5px 11px;
      border: 1px solid var(--mint-line);
      border-radius: 999px;
      background: var(--mint-soft);
      margin-bottom: 14px;
    }
    .rm-dot {
      width: 6px; height: 6px; border-radius: 50%;
      background: var(--mint);
      box-shadow: 0 0 6px var(--mint);
      animation: pulseDot 2s infinite;
    }

    .rm-name {
      font-family: var(--serif);
      font-size: 22px;
      font-weight: 500;
      color: var(--ink);
      letter-spacing: -0.01em;
      margin-bottom: 4px;
    }
    .rm-role {
      font-size: 14px;
      color: var(--ink-mute);
      margin-bottom: 24px;
      padding-bottom: 24px;
      border-bottom: 1px solid var(--line);
    }

    .rm-channels {
      display: flex; flex-direction: column; gap: 14px;
    }
    .rm-channel {
      display: flex; align-items: center; gap: 14px;
      padding: 12px 14px;
      background: rgba(255, 255, 255, 0.025);
      border: 1px solid var(--line);
      border-radius: 10px;
      transition: border-color .25s ease, background .25s ease;
    }
    .rm-channel:hover {
      border-color: var(--mint-line);
      background: rgba(111, 233, 200, 0.04);
    }
    .rm-channel-icon {
      width: 36px; height: 36px;
      border-radius: 8px;
      background: var(--mint-soft);
      border: 1px solid var(--mint-line);
      display: grid; place-items: center;
      color: var(--mint);
      font-family: var(--serif);
      font-size: 18px;
      font-weight: 500;
      flex-shrink: 0;
    }
    .rm-channel-label {
      font-family: var(--mono);
      font-size: 10.5px;
      letter-spacing: 0.14em;
      text-transform: uppercase;
      color: var(--ink-faint);
      margin-bottom: 2px;
    }
    .rm-channel-value {
      font-size: 14px;
      color: var(--ink);
    }

    /* RM text side */
    .rm-text {
      padding-top: 16px;
    }
    .rm-text h3 {
      font-family: var(--serif);
      font-weight: 500;
      font-size: 28px;
      letter-spacing: -0.01em;
      color: var(--ink);
      margin-bottom: 28px;
    }
    .rm-list {
      list-style: none;
      padding: 0;
      margin: 0;
    }
    .rm-list li {
      padding: 18px 0;
      border-bottom: 1px solid var(--line);
      font-size: 15.5px;
      color: var(--ink-mute);
      line-height: 1.6;
    }
    .rm-list li:last-child { border-bottom: 0; }
    .rm-list li strong {
      color: var(--ink);
      font-weight: 600;
      margin-right: 4px;
    }

    /* ---------- Responsive overrides for individual page ---------- */
    @media (max-width: 1080px) {
      .hero-grid-individual { grid-template-columns: 1fr; gap: 80px; }
      .hero-visual-individual { aspect-ratio: 1.2 / 1; max-width: 600px; margin: 0 auto; width: 100%; }
      .debit-card-hero { width: 320px; }
      .phone-hero { width: 170px; right: -8px; bottom: -8px; }
      .banking-grid-reverse { grid-template-columns: 1fr; }
      .rm-grid { grid-template-columns: 1fr; gap: 40px; }
      .card-showcase { min-height: 480px; }
    }
    @media (max-width: 720px) {
      .individual-hero { padding: 64px 0 80px; }
      .debit-card-hero { width: 280px; }
      .phone-hero { display: none; }
      .callout-1-ind, .callout-2-ind { display: none; }
      .debit-card-stack-1, .debit-card-stack-2 {
        width: 260px;
      }
      .debit-card-stack-1 { transform: translateX(-55%) rotate(-7deg); top: 10px; }
      .debit-card-stack-2 { transform: translateX(-45%) rotate(5deg); top: 76px; }
      .spend-feed { width: 100%; max-width: none; }
      .card-showcase { min-height: 440px; }
      .rm-profile { padding: 28px 24px; }
      .rm-text h3 { font-size: 24px; }
    }