/* ============================================
   ZULA LLC — GLOBAL STYLES
   Institutional Fintech Design System
   ============================================ */

@import url('https://fonts.googleapis.com/css2?family=DM+Sans:ital,opsz,wght@0,9..40,300;0,9..40,400;0,9..40,500;0,9..40,600;0,9..40,700;1,9..40,300&family=DM+Serif+Display:ital@0;1&display=swap');

/* ── CSS Variables ── */
:root {
  --navy:       #0B1E3D;
  --navy-mid:   #112952;
  --blue:       #1A56C4;
  --blue-light: #2F72E8;
  --sky:        #EBF2FF;
  --accent:     #0EA5E9;
  --gold:       #C9A84C;
  --white:      #FFFFFF;
  --off-white:  #F7F9FC;
  --gray-100:   #EEF1F6;
  --gray-300:   #C5CEDB;
  --gray-500:   #6B7A90;
  --gray-700:   #3D4A5C;
  --text:       #1A2538;
  --border:     rgba(26, 86, 196, 0.12);

  --font-display: 'DM Serif Display', Georgia, serif;
  --font-body:    'DM Sans', system-ui, sans-serif;

  --shadow-sm:  0 1px 3px rgba(11,30,61,0.08), 0 1px 2px rgba(11,30,61,0.06);
  --shadow-md:  0 4px 16px rgba(11,30,61,0.10), 0 2px 8px rgba(11,30,61,0.06);
  --shadow-lg:  0 12px 40px rgba(11,30,61,0.14), 0 4px 16px rgba(11,30,61,0.08);

  --radius-sm:  6px;
  --radius-md:  12px;
  --radius-lg:  20px;

  --max-w:      1140px;
  --transition: 0.22s cubic-bezier(0.4,0,0.2,1);
}

/* ── Reset ── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
  font-family: var(--font-body);
  color: var(--text);
  background: var(--white);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; display: block; }
a { color: var(--blue); text-decoration: none; transition: color var(--transition); }
a:hover { color: var(--blue-light); }
ul { list-style: none; }

/* ── Container ── */
.container {
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 24px;
}

/* ── Buttons ── */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 13px 28px;
  border-radius: var(--radius-sm);
  font-family: var(--font-body);
  font-size: 0.9375rem;
  font-weight: 600;
  letter-spacing: 0.01em;
  cursor: pointer;
  border: none;
  transition: all var(--transition);
  text-decoration: none;
  white-space: nowrap;
}
.btn-primary {
  background: var(--blue);
  color: var(--white);
  box-shadow: 0 2px 8px rgba(26,86,196,0.30);
}
.btn-primary:hover {
  background: var(--blue-light);
  color: var(--white);
  transform: translateY(-1px);
  box-shadow: 0 4px 16px rgba(26,86,196,0.35);
}
.btn-outline {
  background: transparent;
  color: var(--blue);
  border: 1.5px solid var(--blue);
}
.btn-outline:hover {
  background: var(--sky);
  color: var(--blue);
  transform: translateY(-1px);
}
.btn-white {
  background: var(--white);
  color: var(--navy);
  box-shadow: var(--shadow-md);
}
.btn-white:hover {
  background: var(--off-white);
  color: var(--navy);
  transform: translateY(-1px);
}

/* ── Navigation ── */
.navbar {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(255,255,255,0.97);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--border);
  transition: box-shadow var(--transition);
}
.navbar.scrolled { box-shadow: var(--shadow-md); }
.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 70px;
}
.nav-logo {
  display: flex;
  align-items: center;
  gap: 10px;
  text-decoration: none;
}
.logo-mark {
  width: 38px;
  height: 38px;
  background: var(--navy);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.logo-mark svg { width: 22px; height: 22px; fill: var(--white); }
.logo-text {
  font-family: var(--font-display);
  font-size: 1.35rem;
  color: var(--navy);
  line-height: 1;
}
.logo-text span {
  display: block;
  font-family: var(--font-body);
  font-size: 0.625rem;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gray-500);
}
.nav-links {
  display: flex;
  align-items: center;
  gap: 4px;
}
.nav-links a {
  padding: 7px 14px;
  border-radius: var(--radius-sm);
  font-size: 0.875rem;
  font-weight: 500;
  color: var(--gray-700);
  transition: all var(--transition);
}
.nav-links a:hover, .nav-links a.active {
  background: var(--sky);
  color: var(--blue);
}
.nav-cta { margin-left: 12px; }
.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  padding: 8px;
  background: none;
  border: none;
}
.hamburger span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--navy);
  border-radius: 2px;
  transition: all var(--transition);
}
.mobile-menu {
  display: none;
  flex-direction: column;
  padding: 16px 24px 24px;
  border-top: 1px solid var(--border);
  gap: 4px;
}
.mobile-menu a {
  padding: 10px 12px;
  border-radius: var(--radius-sm);
  font-size: 0.9375rem;
  font-weight: 500;
  color: var(--gray-700);
}
.mobile-menu a:hover { background: var(--sky); color: var(--blue); }
.mobile-menu .btn { margin-top: 8px; justify-content: center; }
.mobile-menu.open { display: flex; }

/* ── Section Utilities ── */
.section { padding: 80px 0; }
.section-sm { padding: 56px 0; }
.section-lg { padding: 110px 0; }

.section-label {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--blue);
  margin-bottom: 14px;
}
.section-label::before {
  content: '';
  display: block;
  width: 20px;
  height: 2px;
  background: var(--blue);
  border-radius: 2px;
}
h1, h2, h3, h4 {
  font-family: var(--font-display);
  line-height: 1.2;
  color: var(--navy);
}
.section-title { font-size: clamp(1.75rem, 3.5vw, 2.5rem); margin-bottom: 16px; }
.section-subtitle {
  font-size: 1.0625rem;
  color: var(--gray-500);
  max-width: 560px;
  line-height: 1.7;
}
.text-center { text-align: center; }
.text-center .section-subtitle { margin: 0 auto; }
.text-center .section-label { justify-content: center; }
.text-center .section-label::before { display: none; }
.text-center .section-label::after {
  content: '';
  display: block;
  width: 20px;
  height: 2px;
  background: var(--blue);
  border-radius: 2px;
}

/* ── Hero Section ── */
.hero {
  background: var(--navy);
  position: relative;
  overflow: hidden;
  padding: 100px 0 90px;
}
.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse 70% 60% at 80% 40%, rgba(26,86,196,0.35) 0%, transparent 70%),
    radial-gradient(ellipse 40% 50% at 10% 80%, rgba(14,165,233,0.15) 0%, transparent 60%);
  pointer-events: none;
}
.hero-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
  position: relative;
  z-index: 1;
}
.hero-label {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.15);
  border-radius: 100px;
  padding: 6px 14px 6px 8px;
  margin-bottom: 24px;
}
.hero-label-dot {
  width: 8px; height: 8px;
  background: var(--accent);
  border-radius: 50%;
  animation: pulse 2s ease-in-out infinite;
}
@keyframes pulse {
  0%, 100% { opacity: 1; transform: scale(1); }
  50% { opacity: 0.6; transform: scale(0.8); }
}
.hero-label span {
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.8);
}
.hero h1 {
  font-size: clamp(2rem, 4.5vw, 3.25rem);
  color: var(--white);
  margin-bottom: 20px;
  line-height: 1.15;
}
.hero h1 em {
  font-style: italic;
  color: var(--accent);
}
.hero-desc {
  font-size: 1.0625rem;
  color: rgba(255,255,255,0.70);
  line-height: 1.75;
  margin-bottom: 36px;
  max-width: 480px;
}
.hero-ctas { display: flex; gap: 14px; flex-wrap: wrap; }
.hero-visual {
  display: flex;
  justify-content: center;
  align-items: center;
}
.hero-card-stack {
  position: relative;
  width: 340px;
  height: 280px;
}
.hero-card {
  position: absolute;
  border-radius: var(--radius-md);
  padding: 24px 28px;
  box-shadow: var(--shadow-lg);
}
.hero-card-main {
  background: rgba(255,255,255,0.07);
  border: 1px solid rgba(255,255,255,0.14);
  backdrop-filter: blur(20px);
  width: 300px;
  top: 0; left: 20px;
}
.hero-card-stat {
  background: var(--white);
  width: 200px;
  bottom: 0; right: 0;
}
.card-label { font-size: 0.75rem; font-weight: 600; letter-spacing: 0.08em; text-transform: uppercase; }
.hero-card-main .card-label { color: rgba(255,255,255,0.55); }
.hero-card-stat .card-label { color: var(--gray-500); }
.card-value {
  font-family: var(--font-display);
  font-size: 1.375rem;
  margin: 6px 0 4px;
}
.hero-card-main .card-value { color: var(--white); }
.hero-card-stat .card-value { color: var(--navy); font-size: 1.125rem; }
.card-sub { font-size: 0.8125rem; color: rgba(255,255,255,0.5); }
.hero-card-stat .card-sub { color: var(--gray-500); }
.status-dot {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 0.75rem;
  font-weight: 600;
  color: #22C55E;
  margin-top: 10px;
}
.status-dot::before {
  content: '';
  width: 7px; height: 7px;
  background: #22C55E;
  border-radius: 50%;
  display: block;
}

/* ── Trust Bar ── */
.trust-bar {
  background: var(--off-white);
  border-bottom: 1px solid var(--gray-100);
  padding: 20px 0;
}
.trust-items {
  display: flex;
  align-items: center;
  justify-content: center;
  flex-wrap: wrap;
  gap: 0;
}
.trust-item {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 10px 28px;
  position: relative;
}
.trust-item + .trust-item::before {
  content: '';
  position: absolute;
  left: 0;
  top: 50%;
  transform: translateY(-50%);
  width: 1px;
  height: 30px;
  background: var(--gray-300);
}
.trust-icon {
  width: 32px; height: 32px;
  background: var(--sky);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.trust-icon svg { width: 16px; height: 16px; color: var(--blue); }
.trust-text strong { display: block; font-size: 0.8125rem; font-weight: 700; color: var(--navy); }
.trust-text span { font-size: 0.75rem; color: var(--gray-500); }

/* ── Services Grid ── */
.services-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-top: 48px;
}
.service-card {
  background: var(--white);
  border: 1px solid var(--gray-100);
  border-radius: var(--radius-md);
  padding: 32px 28px;
  transition: all var(--transition);
  position: relative;
  overflow: hidden;
}
.service-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: var(--blue);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform var(--transition);
}
.service-card:hover {
  border-color: var(--blue);
  box-shadow: var(--shadow-md);
  transform: translateY(-2px);
}
.service-card:hover::before { transform: scaleX(1); }
.service-icon {
  width: 52px; height: 52px;
  background: var(--sky);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
}
.service-icon svg { width: 24px; height: 24px; color: var(--blue); }
.service-card h3 {
  font-size: 1.0625rem;
  margin-bottom: 10px;
  color: var(--navy);
}
.service-card p { font-size: 0.875rem; color: var(--gray-500); line-height: 1.7; }

/* ── Compliance Banner ── */
.compliance-banner {
  background: var(--navy);
  border-radius: var(--radius-lg);
  padding: 48px 52px;
  display: grid;
  grid-template-columns: 1fr auto;
  align-items: center;
  gap: 40px;
}
.compliance-banner h2 { color: var(--white); font-size: 1.625rem; margin-bottom: 12px; }
.compliance-banner p { color: rgba(255,255,255,0.65); font-size: 0.9375rem; max-width: 520px; }
.compliance-badges {
  display: flex;
  flex-direction: column;
  gap: 12px;
  flex-shrink: 0;
}
.badge {
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.14);
  border-radius: 8px;
  padding: 10px 16px;
  text-align: center;
}
.badge strong { display: block; font-size: 0.8125rem; font-weight: 700; color: var(--white); }
.badge span { font-size: 0.6875rem; color: rgba(255,255,255,0.5); letter-spacing: 0.06em; text-transform: uppercase; }

/* ── Info Grid ── */
.info-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 32px;
  margin-top: 48px;
}
.info-card {
  background: var(--off-white);
  border-radius: var(--radius-md);
  padding: 32px;
  border: 1px solid var(--gray-100);
}
.info-card h3 { font-size: 1.125rem; margin-bottom: 12px; }
.info-card p { font-size: 0.9rem; color: var(--gray-500); line-height: 1.75; }

/* ── Compliance Table ── */
.compliance-table {
  width: 100%;
  border-collapse: collapse;
  margin: 24px 0;
  background: var(--white);
  border-radius: var(--radius-md);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--gray-100);
}
.compliance-table th {
  background: var(--navy);
  color: var(--white);
  font-family: var(--font-body);
  font-size: 0.8rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  padding: 14px 20px;
  text-align: left;
}
.compliance-table td {
  padding: 14px 20px;
  font-size: 0.9rem;
  border-bottom: 1px solid var(--gray-100);
  color: var(--gray-700);
}
.compliance-table tr:last-child td { border-bottom: none; }
.compliance-table tr:nth-child(even) td { background: var(--off-white); }
.compliance-table td:first-child { font-weight: 600; color: var(--navy); width: 220px; }

/* ── Alert Box ── */
.alert {
  display: flex;
  gap: 14px;
  padding: 18px 20px;
  border-radius: var(--radius-sm);
  margin: 24px 0;
  border: 1px solid;
  font-size: 0.9rem;
}
.alert-info { background: var(--sky); border-color: rgba(26,86,196,0.20); color: var(--navy); }
.alert-warning { background: #FFFBEB; border-color: #FCD34D; color: #78350F; }
.alert svg { width: 20px; height: 20px; flex-shrink: 0; margin-top: 1px; }
.alert-info svg { color: var(--blue); }
.alert-warning svg { color: #D97706; }

/* ── Page Hero (inner pages) ── */
.page-hero {
  background: var(--navy);
  padding: 64px 0 56px;
  position: relative;
  overflow: hidden;
}
.page-hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse 60% 80% at 100% 50%, rgba(26,86,196,0.3) 0%, transparent 70%);
  pointer-events: none;
}
.page-hero .container { position: relative; z-index: 1; }
.page-hero-label {
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--accent);
  margin-bottom: 12px;
}
.page-hero h1 { font-size: clamp(1.75rem, 4vw, 2.75rem); color: var(--white); margin-bottom: 14px; }
.page-hero p { color: rgba(255,255,255,0.65); font-size: 1.0625rem; max-width: 560px; }

/* ── Breadcrumb ── */
.breadcrumb {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.8rem;
  color: rgba(255,255,255,0.45);
  margin-bottom: 20px;
}
.breadcrumb a { color: rgba(255,255,255,0.55); }
.breadcrumb a:hover { color: var(--white); }
.breadcrumb span { color: rgba(255,255,255,0.25); }

/* ── List Styles ── */
.check-list { margin: 16px 0; }
.check-list li {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  padding: 6px 0;
  font-size: 0.9375rem;
  color: var(--gray-700);
}
.check-list li::before {
  content: '';
  display: block;
  width: 18px;
  height: 18px;
  background: var(--sky);
  border-radius: 50%;
  flex-shrink: 0;
  margin-top: 2px;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 12 12'%3E%3Cpath d='M2 6l3 3 5-5' stroke='%231A56C4' stroke-width='1.5' fill='none' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: center;
  background-size: 12px;
}

/* ── Contact Cards ── */
.contact-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-top: 48px;
}
.contact-card {
  background: var(--white);
  border: 1px solid var(--gray-100);
  border-radius: var(--radius-md);
  padding: 28px;
  text-align: center;
  transition: all var(--transition);
}
.contact-card:hover { box-shadow: var(--shadow-md); transform: translateY(-2px); }
.contact-card-icon {
  width: 56px; height: 56px;
  background: var(--sky);
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 16px;
}
.contact-card-icon svg { width: 26px; height: 26px; color: var(--blue); }
.contact-card h3 { font-size: 0.9375rem; margin-bottom: 8px; }
.contact-card p { font-size: 0.875rem; color: var(--gray-500); }
.contact-card a { color: var(--blue); font-weight: 500; }

/* ── Prose (Legal pages) ── */
.prose { max-width: 780px; }
.prose h2 {
  font-size: 1.375rem;
  margin: 40px 0 12px;
  padding-bottom: 10px;
  border-bottom: 1px solid var(--gray-100);
}
.prose h3 { font-size: 1.075rem; margin: 28px 0 10px; }
.prose p { font-size: 0.9375rem; color: var(--gray-700); line-height: 1.8; margin-bottom: 14px; }
.prose ul { margin: 10px 0 14px 0; }
.prose ul li {
  display: flex; gap: 10px;
  font-size: 0.9375rem; color: var(--gray-700);
  line-height: 1.7;
  margin-bottom: 6px;
}
.prose ul li::before { content: '—'; color: var(--blue); flex-shrink: 0; }
.prose strong { color: var(--navy); font-weight: 600; }
.prose .last-updated {
  font-size: 0.8125rem;
  color: var(--gray-500);
  margin-bottom: 32px;
}

/* ── Footer ── */
footer {
  background: var(--navy);
  padding: 60px 0 0;
  color: rgba(255,255,255,0.65);
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.6fr 1fr 1fr 1fr;
  gap: 40px;
  padding-bottom: 48px;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}
.footer-brand .logo-text { color: var(--white); }
.footer-brand .logo-text span { color: rgba(255,255,255,0.4); }
.footer-brand p {
  font-size: 0.875rem;
  line-height: 1.75;
  color: rgba(255,255,255,0.5);
  margin: 14px 0 20px;
  max-width: 280px;
}
.footer-reg {
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.10);
  border-radius: 8px;
  padding: 14px 16px;
  font-size: 0.75rem;
  color: rgba(255,255,255,0.45);
  line-height: 1.6;
}
.footer-reg strong { color: rgba(255,255,255,0.7); display: block; font-size: 0.6875rem; letter-spacing: 0.08em; text-transform: uppercase; margin-bottom: 6px; }
.footer-col h4 {
  font-family: var(--font-body);
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--white);
  margin-bottom: 18px;
}
.footer-col ul li { margin-bottom: 10px; }
.footer-col ul li a {
  font-size: 0.875rem;
  color: rgba(255,255,255,0.55);
  transition: color var(--transition);
}
.footer-col ul li a:hover { color: var(--white); }
.footer-contact-item {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  margin-bottom: 12px;
}
.footer-contact-item svg { width: 16px; height: 16px; flex-shrink: 0; margin-top: 2px; opacity: 0.5; }
.footer-contact-item span { font-size: 0.8125rem; color: rgba(255,255,255,0.55); line-height: 1.55; }
.footer-bottom {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 22px 0;
  flex-wrap: wrap;
  gap: 12px;
}
.footer-bottom p { font-size: 0.8125rem; color: rgba(255,255,255,0.35); }
.footer-bottom-links {
  display: flex;
  gap: 20px;
}
.footer-bottom-links a {
  font-size: 0.8125rem;
  color: rgba(255,255,255,0.40);
  transition: color var(--transition);
}
.footer-bottom-links a:hover { color: rgba(255,255,255,0.75); }

/* ── Regulatory Disclosure ── */
.reg-disclosure {
  background: #EBF2FF;
  border: 1px solid rgba(26,86,196,0.18);
  border-radius: var(--radius-md);
  padding: 28px 32px;
  margin: 48px 0 0;
}
.reg-disclosure-title {
  display: flex;
  align-items: center;
  gap: 10px;
  font-family: var(--font-display);
  font-size: 1.0625rem;
  color: var(--navy);
  margin-bottom: 10px;
}
.reg-disclosure-title svg { width: 20px; height: 20px; color: var(--blue); flex-shrink: 0; }
.reg-disclosure p {
  font-size: 0.8125rem;
  color: var(--gray-500);
  line-height: 1.75;
}
.reg-disclosure p strong { color: var(--navy); font-weight: 600; }

/* ── Steps ── */
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; margin-top: 48px; }
.step { padding: 28px; }
.step-num {
  width: 40px; height: 40px;
  background: var(--navy);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-display);
  font-size: 1.0625rem;
  color: var(--white);
  margin-bottom: 16px;
}
.step h3 { font-size: 1rem; margin-bottom: 8px; }
.step p { font-size: 0.875rem; color: var(--gray-500); line-height: 1.7; }

/* ── Responsive ── */
@media (max-width: 1024px) {
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .services-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 820px) {
  .hero-grid { grid-template-columns: 1fr; }
  .hero-visual { display: none; }
  .compliance-banner { grid-template-columns: 1fr; }
  .compliance-badges { flex-direction: row; }
  .contact-grid { grid-template-columns: 1fr; }
  .steps { grid-template-columns: 1fr; }
  .info-grid { grid-template-columns: 1fr; }
}
@media (max-width: 640px) {
  .nav-links, .nav-cta { display: none; }
  .hamburger { display: flex; }
  .services-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .trust-item + .trust-item::before { display: none; }
  .trust-items { flex-direction: column; align-items: flex-start; padding: 0 16px; }
  .compliance-table th:not(:first-child):not(:nth-child(2)),
  .compliance-table td:not(:first-child):not(:nth-child(2)) { display: none; }
  .hero-ctas { flex-direction: column; }
  .hero-ctas .btn { justify-content: center; }
  .compliance-banner { padding: 32px 24px; }
  .section { padding: 56px 0; }
  .section-lg { padding: 72px 0; }
}