html { scroll-behavior: smooth; }
    body {
      font-family: 'Red Hat Display', system-ui, sans-serif;
      color: #1a202c;
      background: #fff;
      -webkit-font-smoothing: antialiased;
      -moz-osx-font-smoothing: grayscale;
    }

    

    /* ── LAYOUT ── */
    .wrap { max-width: 1140px; margin: 0 auto; padding: 0 48px; }
    @media (max-width: 768px) { .wrap { padding: 0 24px; } }

    .section { padding: var(--pad) 0; }
    @media (max-width: 900px) {
      .section:first-of-type { padding-top: calc(var(--pad) / 2); }
    }
    .section--surface { background: var(--surface); }

    /* ── BUTTONS ── */
    .btn{display: inline-flex; align-items: center; gap: 8px;
      font-family: inherit; font-size: 15px; font-weight: 600;
      padding: 14px 28px; border-radius: 8px;
      text-decoration: none; border: none; cursor: pointer;
      transition: all .18s ease; letter-spacing: -.01em; white-space: nowrap;}
    .btn--primary {
      background: var(--primary); color: #fff;
      box-shadow: 0 4px 14px rgba(161,30,92,.35);
    }
    .btn--primary:hover {
      background: var(--primary-d);
      box-shadow: 0 6px 20px rgba(161,30,92,.45);
      transform: translateY(-1px);
    }
    .btn--ghost-white {
      background: transparent; color: rgba(255,255,255,.8);
      border: 1.5px solid rgba(255,255,255,.22);
    }
    .btn--ghost-white:hover {
      border-color: rgba(255,255,255,.6); color: #fff;
      background: rgba(255,255,255,.07);
    }

    /* ── NAV ── */
    .nav {
      position: sticky; top: 0; z-index: 200;
      background: rgba(255,255,255,.92);
      backdrop-filter: blur(12px); -webkit-backdrop-filter: blur(12px);
      border-bottom: 1px solid var(--border);
    }
    .nav__inner {
      max-width: 1140px; margin: 0 auto; padding: 0 48px;
      height: 64px; display: flex; align-items: center;
      justify-content: space-between; gap: 32px;
    }
    .nav__logo { display: inline-flex; align-items: center; text-decoration: none; }
    .nav__logo svg { height: 28px; width: auto; display: block; }
    .nav__links { display: flex; align-items: center; gap: 32px; list-style: none; }
    .nav__links a {
      font-size: 14px; font-weight: 500; color: var(--muted);
      text-decoration: none; transition: color .2s;
    }
    .nav__links a:hover { color: var(--ink); }
    @media (max-width: 900px) { .nav__links { display: none; } .nav__inner { padding: 0 24px; } }

    /* ── SUBNAV ── */
    .subnav { background: var(--surface); border-bottom: 1px solid var(--border); position: sticky !important; top: 64px !important; z-index: 99 !important; }
    .subnav__inner {
      max-width: 1140px; margin: 0 auto; padding: 0 48px;
      height: 52px; display: flex; align-items: center; gap: 8px;
    }
    @media (max-width: 900px) {
      .subnav__inner { padding: 12px 24px; height: auto; overflow-x: auto; flex-wrap: nowrap; }
    }
    .subnav__label {
      font-size: 11px; font-weight: 700; letter-spacing: .1em;
      text-transform: uppercase; color: var(--light);
      margin-right: 8px; white-space: nowrap;
    }
    .subnav__pill {
      font-size: 12.5px; font-weight: 600; padding: 6px 16px;
      border-radius: 100px; border: 1.5px solid var(--border);
      color: var(--muted); background: #fff;
      text-decoration: none; transition: all .18s;
      font-family: inherit; white-space: nowrap;
    }
    .subnav__pill:hover { border-color: var(--primary); color: var(--primary); }
    .subnav__pill--active { background: var(--navy); border-color: var(--navy); color: #fff; }

    /* ── HERO ── */
    .hero {
      background: linear-gradient(135deg, #013d3b 0%, #01b6b1 100%);
      position: relative; overflow: visible;
    }
    .hero__glow {
      position: absolute; inset: 0; pointer-events: none;
      background:
        radial-gradient(ellipse 55% 60% at 5% 100%, rgba(0,0,0,.18) 0%, transparent 60%),
        radial-gradient(ellipse 40% 50% at 95% 0%, rgba(255,255,255,.08) 0%, transparent 55%);
    }
    .hero__grid {
      position: absolute; inset: 0; pointer-events: none;
      background-image: radial-gradient(circle, rgba(0,0,0,.1) 1px, transparent 1px);
      background-size: 30px 30px;
    }
    .hero__inner {
      display: flex;
      align-items: center;
      padding-top: 96px;
      padding-bottom: 88px;
      padding-left: max(48px, calc((100vw - 1140px) / 2 + 48px));
      padding-right: 48px;
      position: relative; z-index: 1;
      gap: 64px;
    }
    @media (max-width: 900px) {
      .hero__inner {
        flex-direction: column;
        padding: 60px 24px 14px;
        align-items: flex-start;
        gap: 12px;
      }
    }
    .hero__text {
      flex: 0 0 55%;
      max-width: 760px;
      position: relative;
      z-index: 2;
    }
    @media (max-width: 900px) {
      .hero__text { flex: none; width: 100%; max-width: 100%; }
    }
    .hero__tag {
      display: inline-flex; align-items: center; gap: 9px;
      font-size: 11px; font-weight: 700; letter-spacing: .12em;
      text-transform: uppercase; color: rgba(255,255,255,.75);
      margin-bottom: 30px;
    }
    .hero__tag-dot {
      width: 7px; height: 7px; border-radius: 50%;
      background: rgba(255,255,255,.95); flex-shrink: 0;
    }
    .hero__title {
      font-size: clamp(30px, 3.5vw, 48px);
      font-weight: 800; line-height: 1.1; letter-spacing: -.03em;
      color: #fff; margin: 0 0 28px;
    }
    .hero__sub {
      font-size: clamp(15px, 1.5vw, 17px); line-height: 1.76;
      color: rgba(255,255,255,.82);
      max-width: 38rem;
    }
    .hero__media {
      position: absolute;
      right: max(48px, calc((100vw - 1140px) / 2 + 48px));
      bottom: -10%;
      height: 120%;
      display: flex;
      align-items: flex-end;
      justify-content: center;
      z-index: 0;
      pointer-events: none;
      opacity: .88;
      transform: translateX(24px);
    }
    .hero__media img {
      display: block;
      height: 100%;
      width: auto;
      object-fit: contain;
      filter: drop-shadow(0 20px 48px rgba(0, 0, 0, 0.24));
    }
    @media (max-width: 900px) {
      .hero__media {
        position: static;
        width: 100%;
        height: auto;
        justify-content: center;
        opacity: 1;
        transform: none;
        order: 2;
      }
      .hero__media img {
        height: auto;
        width: 100%;
        max-width: 420px;
      }
      .hero__tag { order: 1; }
      .hero__title { order: 2; }
      .hero__media { order: 3; }
      .hero__sub { order: 4; }
      .hero__tag,
      .hero__title,
      .hero__sub {
        position: relative;
        z-index: 2;
      }
    }

    /* ── SECTION LABEL (eyebrow pill) ── */
    .section-label {
      display: inline-flex; align-items: center;
      font-size: 14px; font-weight: 600; letter-spacing: -.01em;
      color: var(--secondary);
      border: 1.5px solid rgba(186,83,95,.38);
      border-radius: 8px; padding: 7px 20px; margin-bottom: 24px;
      background: transparent;
    }
    .section-label--light {
      color: rgba(255,255,255,.75);
      border-color: rgba(255,255,255,.28);
    }

    /* ── SECTION H2 ── */
    h2.section-h2 {
      font-size: clamp(24px, 2.8vw, 32px);
      font-weight: 700;
      color: var(--navy);
      margin-bottom: 20px;
      line-height: 1.25;
      letter-spacing: -.02em;
    }

    /* ── GATE (2-col card pair for What Mbanq is/is not) ── */
    .gate {
      display: grid; grid-template-columns: 1fr 1fr;
      border-radius: 24px; overflow: hidden;
      border: 1px solid var(--border);
      box-shadow: var(--sh-md);
      margin-top: 32px;
    }
    @media (max-width: 860px) { .gate { grid-template-columns: 1fr; } }

    .gate__panel {
      padding: 56px 52px;
      display: flex; flex-direction: column;
    }
    @media (max-width: 600px) { .gate__panel { padding: 36px 28px; } }

    .gate__panel--light {
      background: #fff;
      border-right: 1px solid var(--border);
    }
    @media (max-width: 860px) { .gate__panel--light { border-right: none; border-bottom: 1px solid var(--border); } }

    .gate__panel--rose { background: #BA535F; }

    .gate__h2 {
      font-size: 20px; font-weight: 700; line-height: 1.2;
      margin-bottom: 24px; letter-spacing: -.01em;
      text-transform: uppercase;
    }
    .gate__panel--light  .gate__h2 { color: var(--muted); }
    .gate__panel--rose   .gate__h2 { color: rgba(255, 255, 255, 0.78); }

    /* ── ITEM LIST (bullet list with custom dots) ── */
    .item-list {
      list-style: none; padding: 0;
      display: flex; flex-direction: column;
    }
    .item-list li {
      display: flex; align-items: center; gap: 16px;
      font-size: 15px; font-weight: 500;
      padding: 14px 0; border-bottom: 1px solid var(--border);
      line-height: 1.45;
    }
    .gate__panel--light .item-list li { color: var(--navy); border-color: var(--border); }
    .gate__panel--rose  .item-list li { color: #fff; border-color: rgba(255,255,255,0.18); }
    .item-list li:first-child { border-top: 1px solid var(--border); }
    .gate__panel--rose .item-list li:first-child { border-top-color: rgba(255,255,255,0.18); }

    .item-dot {
      width: 7px; height: 7px; border-radius: 50%;
      flex-shrink: 0;
    }
    .gate__panel--light .item-dot { background: #cbd5e1; }
    .gate__panel--rose  .item-dot { background: var(--teal); }

    /* ── SPLIT GRID ── */
    .what-split { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: center; }
    .what-split__text { display: flex; flex-direction: column; align-items: flex-start; }
    .what-split__img { display: flex; justify-content: flex-end; }
    .what-split__img img { width: 100%; max-width: 480px; height: auto; display: block; }
    @media (max-width: 860px) {
      .what-split { grid-template-columns: 1fr; gap: 32px; }
      .what-split__img { justify-content: flex-start; }
      .what-split__img img { max-width: 100%; }
    }

    /* ── BODY TEXT BLOCK ── */
    .body-block { max-width: 720px; }
    .body-block p {
      font-size: 15.5px; line-height: 1.82; color: var(--muted);
      margin-bottom: 18px;
    }
    .body-block p:last-child { margin-bottom: 0; }

    /* ── 2-COLUMN BULLET GRID ── */
    .bullet-list-2col {
      list-style: none;
      padding: 0;
      display: grid;
      grid-template-columns: 1fr 1fr;
      gap: 0;
      border: 1px solid var(--border);
      border-radius: 16px;
      overflow: hidden;
      background: #fff;
      box-shadow: var(--sh-sm);
    }
    @media (max-width: 760px) { .bullet-list-2col { grid-template-columns: 1fr; } }

    .bullet-list-2col li {
      font-size: 14.5px;
      color: var(--navy);
      font-weight: 500;
      padding: 20px 24px;
      border-bottom: 1px solid var(--border);
      border-right: 1px solid var(--border);
      display: flex;
      align-items: center;
      gap: 14px;
      line-height: 1.5;
    }
    .bullet-list-2col li:nth-child(2n) { border-right: none; }
    .bullet-list-2col li:last-child,
    .bullet-list-2col li.full {
      border-bottom: none;
    }
    .bullet-list-2col li.full {
      grid-column: 1 / -1;
      border-right: none;
    }
    @media (max-width: 760px) {
      .bullet-list-2col li { border-right: none !important; }
      .bullet-list-2col li:last-child { border-bottom: none !important; }
    }
    
    .bullet-list-2col .item-dot {
      background: var(--teal);
    }

    /* ── PERSONA CARDS (Who it's for) ── */
    .persona-grid {
      display: grid; grid-template-columns: repeat(5, 1fr); gap: 16px;
      margin-top: 24px;
    }
    @media (max-width: 1024px) { .persona-grid { grid-template-columns: repeat(3, 1fr); } }
    @media (max-width: 768px) { .persona-grid { grid-template-columns: repeat(2, 1fr); } }
    @media (max-width: 480px) { .persona-grid { grid-template-columns: 1fr; } }
    
    .persona-card {
      background: #fff; border: 1px solid var(--border);
      border-radius: 20px; padding: 24px;
      display: flex; flex-direction: column; align-items: flex-start; gap: 16px;
      aspect-ratio: 1 / 1;
      transition: box-shadow .2s, transform .2s, border-color .2s;
    }
    @media (max-width: 480px) { .persona-card { aspect-ratio: auto; min-height: 160px; } }
    .persona-card:hover { box-shadow: var(--sh-md); transform: translateY(-3px); border-color: rgba(186,83,95,.28); }
    
    .persona-card__icon {
      width: 40px; height: 40px; border-radius: 10px; flex-shrink: 0;
      background: #BA535F;
      display: flex; align-items: center; justify-content: center;
    }
    .persona-card__text { font-size: 16px; font-weight: 700; color: var(--navy); line-height: 1.4; margin-top: auto; }

    /* ── CLOSING CTA ── */
    .closing {
      background: linear-gradient(140deg, var(--navy) 0%, #160a20 100%);
      padding: 0; position: relative; overflow: hidden;
    }
    .closing::before {
      content: ''; position: absolute; inset: 0;
      background: radial-gradient(ellipse 55% 80% at 85% 50%, rgba(161,30,92,.28) 0%, transparent 70%);
      pointer-events: none;
    }
    .closing::after {
      content: ''; position: absolute; inset: 0; pointer-events: none;
      background-image: radial-gradient(circle, rgba(255,255,255,.035) 1px, transparent 1px);
      background-size: 28px 28px;
    }
    .closing__inner {
      max-width: 1140px; margin: 0 auto;
      padding: 80px 48px 96px;
      display: flex; align-items: center;
      justify-content: space-between; gap: 40px; flex-wrap: wrap;
      position: relative; z-index: 1;
    }
    @media (max-width: 900px) {
      .closing__inner { padding: 56px 24px 72px; flex-direction: column; align-items: flex-start; }
    }
    .closing__text h2 {
      font-size: clamp(26px, 2.8vw, 40px);
      font-weight: 700; color: #fff;
      margin: 0; letter-spacing: -.025em; line-height: 1.2;
    }
    .closing__actions { display: flex; gap: 12px; flex-wrap: wrap; flex-shrink: 0; }
    .closing .btn--primary {
      background: linear-gradient(135deg, var(--primary) 0%, var(--secondary) 100%);
      box-shadow: 0 4px 20px rgba(161,30,92,.4);
      font-size: 15px; padding: 15px 32px;
    }