:root{
  --burgundy-deep:#4A1724;
  --burgundy:#5E1F2E;
  --wine:#722F37;
  --near-black:#140C10;
  --paper:#F6F2F0;
  --white:#FFFFFF;
  --ink:#1C1217;
  --muted:#6E6065;
  --on-dark:#F6F2F0;
  --muted-dark:#D9BFC6;
  --crimson:#C12D58;
  --crimson-deep:#A2244A;
  --coral:#E46742;
  --coral-light:#F0937A;
  --gold:#FDD700;
  --gold-deep:#E8C400;
  --rule:rgba(28,18,23,.14);
  --rule-strong:rgba(28,18,23,.32);
  --rule-dark:rgba(246,242,240,.16);
  --rule-dark-strong:rgba(246,242,240,.42);
  --display:"Montserrat",ui-sans-serif,"Helvetica Neue",Arial,sans-serif;
  --text:"Source Sans 3","Source Sans Pro",ui-sans-serif,"Helvetica Neue",Arial,sans-serif;
  --gutter:clamp(16px,4vw,48px);
  --max:1360px;
  --ease:cubic-bezier(.16,1,.3,1);
  --dur:1s;
}
*,*::before,*::after{box-sizing:border-box}
body{
  margin:0;
  background:var(--paper);
  color:var(--ink);
  font-family:var(--text);
  font-size:17px;
  line-height:1.5;
  -webkit-font-smoothing:antialiased;
  text-rendering:optimizeLegibility;
  caret-color:var(--crimson);
  accent-color:var(--crimson);
  scrollbar-color:var(--wine) var(--paper);
  overflow-x:clip;
}
::selection{background:var(--burgundy-deep);color:var(--on-dark)}
.field-dark ::selection,.field-near ::selection{background:var(--on-dark);color:var(--burgundy-deep)}
:focus-visible{outline:2px solid var(--crimson);outline-offset:3px}
.field-dark :focus-visible,.field-near :focus-visible{outline-color:var(--coral)}
a{color:var(--crimson);text-decoration-thickness:1px;text-underline-offset:.18em;text-decoration-color:rgba(193,45,88,.45)}
a:hover{text-decoration-color:currentColor}
.field-dark a,.field-near a{color:var(--coral-light);text-decoration-color:rgba(240,147,122,.45)}
.field-dark a:hover,.field-near a:hover{text-decoration-color:currentColor}
p{margin:0}
ul,ol,dl,dd{margin:0;padding:0;list-style:none}
h1[tabindex="-1"]:focus{outline:none}
h1,h2,h3{margin:0;font-family:var(--display);font-weight:800;letter-spacing:-.035em;line-height:1.04;text-wrap:balance}
h1{font-size:clamp(36px,4.45vw,64px)}
h2{font-size:clamp(26px,2.85vw,40px);letter-spacing:-.03em;line-height:1.08}
h3{font-size:clamp(22px,2.1vw,28px);letter-spacing:-.028em;line-height:1.14}
.wrap{max-width:var(--max);margin-inline:auto;padding-inline:var(--gutter)}
.grid{display:grid;grid-template-columns:repeat(12,minmax(0,1fr));column-gap:24px}
.hidden,[hidden]{display:none !important}
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.num{font-variant-numeric:tabular-nums lining-nums}
.muted{color:var(--muted)}
.field-dark{background:var(--burgundy-deep);color:var(--on-dark)}
.field-dark .muted{color:var(--muted-dark)}
.field-near{background:var(--near-black);color:var(--on-dark)}
.field-near .muted{color:var(--muted-dark)}
.field-white{background:var(--white);color:var(--ink)}

/* Buttons: rectangular, text-led, one primary + one secondary per surface */
.btn{
  display:inline-flex;align-items:center;justify-content:center;
  padding:13px 22px;min-height:48px;
  font:600 16px/1.2 var(--text);letter-spacing:.005em;
  text-decoration:none;border:1px solid transparent;border-radius:0;
  cursor:pointer;background:none;color:inherit;
  transition:background-color .2s var(--ease),color .2s var(--ease),border-color .2s var(--ease);
}
.btn-primary{background:var(--crimson);color:var(--white);border-color:var(--crimson)}
.btn-primary:hover{background:var(--crimson-deep);border-color:var(--crimson-deep)}
.btn-primary:active{background:var(--burgundy-deep);border-color:var(--burgundy-deep)}
.btn-secondary{border-color:var(--ink);color:var(--ink)}
.btn-secondary:hover{background:var(--ink);color:var(--paper)}
.field-dark .btn-primary{background:var(--gold);color:var(--ink);border-color:var(--gold)}
.field-dark .btn-primary:hover{background:var(--gold-deep);border-color:var(--gold-deep)}
.field-dark .btn-primary:active{background:var(--on-dark);border-color:var(--on-dark)}
.field-dark .btn-secondary{border-color:var(--rule-dark-strong);color:var(--on-dark)}
.field-dark .btn-secondary:hover{background:var(--on-dark);color:var(--burgundy-deep);border-color:var(--on-dark)}
.btn-link{display:inline-flex;align-items:center;min-height:48px;padding:13px 4px;font:600 16px/1.2 var(--text)}

/* Actor flags */
.flag{
  display:inline-block;padding:3px 8px 2px;
  font:600 12px/1.3 var(--text);letter-spacing:.06em;text-transform:uppercase;
  border:1px solid var(--rule-strong);color:var(--ink);white-space:nowrap;vertical-align:middle
}
.field-dark .flag{border-color:var(--rule-dark-strong);color:var(--on-dark)}
.flag-lender,.field-dark .flag-lender{background:var(--gold);color:var(--ink);border-color:var(--gold)}

/* Header */
.site-header{background:var(--paper);border-bottom:1px solid var(--rule);position:relative;z-index:5}
.site-header::before{content:"";display:block;height:2px;background:linear-gradient(90deg,var(--crimson),var(--coral))}
.site-header .bar{display:flex;align-items:center;gap:32px;min-height:76px}
.brand{display:inline-flex;align-items:center;color:var(--burgundy-deep);text-decoration:none;flex:none}
.brand svg{width:103px;height:40px;display:block}
.nav{display:flex;align-items:center;gap:4px;margin-inline-start:auto}
.nav ul{display:flex;gap:4px;flex-wrap:nowrap}
.nav a{
  display:block;padding:10px 12px;font:600 15px/1.2 var(--text);
  color:var(--ink);text-decoration:none;border-bottom:2px solid transparent;
  transition:color .2s var(--ease),border-color .2s var(--ease)
}
.nav a:hover{color:var(--burgundy-deep)}
.nav a[aria-current="page"]{color:var(--burgundy-deep);border-bottom-color:var(--wine)}
.nav a.login{margin-inline-start:20px;display:inline-flex;align-items:center;min-height:42px;padding:10px 18px;background:var(--burgundy-deep);color:var(--on-dark);border:1px solid var(--burgundy-deep);border-bottom-width:1px}
.nav a.login:hover{background:var(--burgundy);border-color:var(--burgundy);color:var(--on-dark)}
.menu-btn{display:none;margin-inline-start:auto;align-items:center;gap:10px;padding:10px 14px;min-height:42px;border:1px solid var(--ink);background:none;color:var(--ink);font:600 15px/1 var(--text);cursor:pointer}
.menu-btn svg{width:18px;height:18px;stroke:currentColor;fill:none;stroke-width:1.75;stroke-linecap:square}
.menu-btn .ico-close{display:none}
.menu-btn[aria-expanded="true"] .ico-open{display:none}
.menu-btn[aria-expanded="true"] .ico-close{display:block}
.menu-btn[aria-expanded="true"]{background:var(--burgundy-deep);color:var(--on-dark);border-color:var(--burgundy-deep)}
@media (max-width:1100px){
  .nav{display:none}
  .menu-btn{display:inline-flex}
  body.nav-open .nav{
    display:block;position:absolute;left:0;right:0;top:100%;
    background:var(--paper);border-bottom:1px solid var(--burgundy-deep);
    padding:4px var(--gutter) 20px;margin:0
  }
  body.nav-open .nav ul{display:block}
  body.nav-open .nav li{border-top:1px solid var(--rule)}
  body.nav-open .nav a{padding:14px 0;font-size:17px;border-bottom:0}
  body.nav-open .nav a[aria-current="page"]{color:var(--burgundy-deep);box-shadow:inset 2px 0 0 var(--wine);padding-inline-start:12px}
  body.nav-open .nav a.login{margin:16px 0 0;padding:12px 18px;min-height:48px;display:inline-flex}
}

/* Running head: document descriptor row */
.runhead{display:flex;justify-content:space-between;gap:24px;align-items:baseline;padding-block:14px 12px;border-bottom:1px solid var(--rule-strong);font:600 14px/1.3 var(--text);letter-spacing:.02em}
.field-dark .runhead{border-bottom-color:var(--rule-dark-strong)}
.runhead .num{font-weight:400;color:var(--muted)}
.section-runhead{padding-top:0;margin-bottom:32px;border-bottom-color:var(--rule-strong)}
.field-dark .runhead .num{color:var(--muted-dark)}

/* Hero */
.hero{padding-block:0 64px}
.hero .grid{padding-top:48px;row-gap:44px}
.hero-copy{grid-column:1 / span 7}
.hero-copy.wide{grid-column:1 / span 9}
.hero-side{grid-column:8 / span 5}
.hero h1{max-width:15ch}
.hero-copy.wide h1{max-width:18ch}
.hero .lede{margin-top:28px;font-size:clamp(18px,1.35vw,20px);line-height:1.5;max-width:58ch;color:var(--muted-dark)}
.cta-row{display:flex;flex-wrap:wrap;gap:12px 16px;margin-top:36px;align-items:center}
.hero-tags{border-top:1px solid var(--rule-dark-strong)}
.hero-tags li{padding:14px 0;border-bottom:1px solid var(--rule-dark);font:600 17px/1.3 var(--text)}
.hero.compact{padding-bottom:56px}
.hero.compact .grid{padding-top:40px}

/* Rail: the schematic */
.rail{position:relative;list-style:none;margin:0;padding:0}
.rail-v{padding-left:30px}
.rail-v::before{content:"";position:absolute;left:5px;top:12px;bottom:12px;width:2px;background:var(--coral);transform-origin:top;transform:scaleY(0);transition:transform var(--dur) var(--ease)}
.is-in .rail-v::before{transform:scaleY(1)}
.rail-v .station{position:relative;padding:18px 0 20px;border-bottom:1px solid var(--rule-dark);display:grid;grid-template-columns:auto 1fr auto;column-gap:16px;row-gap:4px;align-items:start}
.rail-v .station:first-child{padding-top:0}
.rail-v .station:first-child .pin{top:6px}
.rail-v .station:last-child{border-bottom:0}
.rail-v .pin{position:absolute;left:-30px;top:24px;width:12px;height:12px;background:var(--on-dark);opacity:0;transform:scale(.4);transition:opacity .4s var(--ease),transform .5s var(--ease)}
.is-in .rail-v .pin{opacity:1;transform:none}
.rail-v .station:nth-child(1) .pin{transition-delay:.1s}
.rail-v .station:nth-child(2) .pin{transition-delay:.32s}
.rail-v .station:nth-child(3) .pin{transition-delay:.54s}
.rail-v .station:nth-child(4) .pin{transition-delay:.78s}
.station .n{font:800 24px/1 var(--display);letter-spacing:-.03em;grid-row:1 / span 2;padding-top:2px}
.station .name{font:600 18px/1.25 var(--text)}
.station .desc{font-size:16px;line-height:1.45;grid-column:2;color:var(--muted-dark)}
.station .flag{grid-column:3;grid-row:1;margin-top:2px}
.station.is-lender .pin{background:var(--gold)}

.rail-h{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));column-gap:24px;padding-top:28px}
.rail-h::before{content:"";position:absolute;left:0;right:0;top:5px;height:2px;background:var(--burgundy-deep)}
.rail-h .station{position:relative;display:grid;grid-template-columns:1fr auto;column-gap:12px;row-gap:6px;align-content:start;padding-right:8px}
.rail-h .pin{position:absolute;top:-28px;left:0;width:12px;height:12px;background:var(--burgundy-deep)}
.rail-h .station.is-lender .pin{background:var(--gold);outline:1px solid var(--ink)}
.rail-h .n{font:800 36px/1 var(--display);letter-spacing:-.035em;color:var(--burgundy-deep);grid-column:1}
.rail-h .flag{grid-column:2;grid-row:1;align-self:start;margin-top:8px}
.rail-h .name{grid-column:1 / span 2;font:600 20px/1.2 var(--text);margin-top:6px}
.rail-h .desc{grid-column:1 / span 2;color:var(--muted);font-size:16px;line-height:1.45}
@media (max-width:900px){
  .rail-h{display:block;padding-top:0;padding-left:30px}
  .rail-h::before{left:5px;right:auto;top:10px;bottom:12px;height:auto;width:2px}
  .rail-h .station{padding:16px 0 18px;border-bottom:1px solid var(--rule)}
  .rail-h .station:first-child{padding-top:0}
  .rail-h .station:last-child{border-bottom:0}
  .rail-h .pin{top:6px;left:-30px}
  .rail-h .station:first-child .pin{top:4px}
  .rail-h .n{font-size:28px}
}

/* Sections */
.section{padding-block:72px}
.section + .section{border-top:1px solid var(--rule)}
.section-head{grid-column:1 / span 5}
.section-body{grid-column:7 / span 6}
.section-head .lede,.section .lede{margin-top:20px;font-size:18px;line-height:1.5;color:var(--muted);max-width:46ch}
.section-body > .lede{margin-top:0;max-width:58ch}
.field-dark .section-head .lede{color:var(--muted-dark)}

/* Key facts: ruled definition row */
.facts{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:1px;background:var(--rule);border-top:1px solid var(--rule-strong);border-bottom:1px solid var(--rule-strong)}
.facts > div{background:var(--paper);padding:24px 24px 28px 0}
.facts > div + div{padding-left:24px}
.facts dt{font:700 22px/1.15 var(--display);letter-spacing:-.025em;color:var(--burgundy-deep)}
.facts dd{margin:12px 0 0;font-size:16px;line-height:1.45;color:var(--muted)}

/* Numbered list (real sequence) */
.steps{border-top:1px solid var(--rule-strong)}
.steps li{display:grid;grid-template-columns:56px 1fr;column-gap:20px;padding:26px 0 28px;border-bottom:1px solid var(--rule)}
.steps .n{font:800 32px/1 var(--display);letter-spacing:-.035em;color:var(--burgundy-deep);padding-top:2px}
.steps h3{font:700 22px/1.2 var(--display);letter-spacing:-.025em}
.steps p{margin-top:10px;color:var(--muted);line-height:1.5}

/* Ruled list: rules instead of glyphs */
.ruled{border-top:1px solid var(--rule-strong)}
.ruled li{padding:13px 0;border-bottom:1px solid var(--rule);font-size:17px;line-height:1.4}
.ruled li strong{font-weight:600}
.field-dark .ruled{border-top-color:var(--rule-dark-strong)}
.field-dark .ruled li{border-bottom-color:var(--rule-dark)}

/* Definition rows: term left, text right */
.rows{border-top:1px solid var(--rule-strong)}
.rows li{display:grid;grid-template-columns:minmax(160px,2fr) 5fr;column-gap:32px;padding:24px 0 26px;border-bottom:1px solid var(--rule)}
.rows h3{font:700 21px/1.2 var(--display);letter-spacing:-.025em}
.rows p{color:var(--muted);line-height:1.5;max-width:62ch}
.rows .lead{color:var(--ink);font-weight:600}
@media (max-width:640px){
  .rows li{grid-template-columns:1fr;row-gap:8px;padding:20px 0 22px}
}

/* Panels (asymmetric, by audience priority) */
.panels{display:grid;grid-template-columns:repeat(12,minmax(0,1fr));gap:0;border-top:1px solid var(--rule)}
.panel{padding:64px var(--gutter)}
.panel-lenders{grid-column:1 / span 7}
.panel-network{grid-column:8 / span 5;background:var(--white)}
.panel .lede{margin-top:20px;font-size:18px;line-height:1.5;max-width:54ch}
.panel-lenders .lede{color:var(--muted-dark)}
.panel-network .lede{color:var(--muted)}
.panel .ruled{margin-top:28px}
.panel .cta-row{margin-top:32px}
.panel-lenders .panel-wrap{max-width:calc(var(--max) * 7 / 12);margin-inline-start:auto}
.panel-network .panel-wrap{max-width:calc(var(--max) * 5 / 12);margin-inline-end:auto}
@media (max-width:1100px){
  .panel-lenders,.panel-network{grid-column:1 / -1}
  .panel-lenders .panel-wrap,.panel-network .panel-wrap{max-width:var(--max);margin-inline:auto}
}

/* Markets grid */
.markets{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:1px;background:var(--rule);border:1px solid var(--rule-strong);margin-top:44px}
.markets li{background:var(--white);padding:22px 22px 24px;display:grid;grid-template-columns:auto 1fr;column-gap:16px;row-gap:2px;align-items:baseline}
.markets .code{font:800 36px/1 var(--display);letter-spacing:-.035em;color:var(--burgundy-deep);grid-row:1 / span 2}
.markets .country{font:600 18px/1.2 var(--text)}
.markets .region{color:var(--muted);font-size:15px}

/* Why: statement + hairline grid */
.statement{font-size:clamp(28px,3.3vw,48px);max-width:20ch;letter-spacing:-.035em}
.reasons{display:grid;grid-template-columns:1fr 1fr;gap:0 48px;margin-top:48px;border-top:1px solid var(--rule-strong)}
.reasons li{padding:26px 0 30px;border-bottom:1px solid var(--rule)}
.reasons h3{font:700 22px/1.2 var(--display);letter-spacing:-.025em}
.reasons p{margin-top:10px;color:var(--muted)}

/* CTA band */
.band{padding-block:64px}
.band .grid{align-items:end;row-gap:32px}
.band .text{grid-column:1 / span 6}
.band .text p{margin-top:16px;font-size:18px;line-height:1.5;color:var(--muted-dark);max-width:56ch}
.band .cta-row{grid-column:7 / span 6;justify-content:flex-end;margin:0}
.band .ruled{margin-top:24px;max-width:56ch}
.band .ruled li{font-size:16px;padding:10px 0}

/* Grid of definitions (what you get) */
.gets{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:1px;background:var(--rule);border-top:1px solid var(--rule-strong);border-bottom:1px solid var(--rule-strong);margin-top:44px}
.gets li{background:var(--paper);padding:26px 26px 30px 0}
.gets li:nth-child(3n+2),.gets li:nth-child(3n){padding-left:26px}
.gets h3{font:700 21px/1.2 var(--display);letter-spacing:-.025em}
.gets p{margin-top:12px;color:var(--muted);font-size:16px;line-height:1.5}
.gets.two{grid-template-columns:1fr 1fr}
.gets.two li{padding-left:0}
.gets.two li:nth-child(2n){padding-left:26px}

/* Table */
.table-wrap{margin-top:44px;border:1px solid var(--rule-strong);background:var(--white)}
table{width:100%;border-collapse:collapse;font-size:17px}
th,td{text-align:left;vertical-align:top;padding:18px 24px 20px;border-bottom:1px solid var(--rule)}
thead th{font:600 13px/1.3 var(--text);letter-spacing:.05em;text-transform:uppercase;color:var(--muted);padding-block:12px;background:var(--paper);border-bottom:1px solid var(--rule-strong)}
tbody th{font:800 22px/1.15 var(--display);letter-spacing:-.025em;color:var(--burgundy-deep);text-transform:none;padding-block:18px 20px}
tbody th span{display:block;font:600 15px/1.3 var(--text);letter-spacing:0;color:var(--ink);margin-top:6px}
tbody tr:last-child th,tbody tr:last-child td{border-bottom:0}
col.model{width:22%}
@media (max-width:760px){
  thead{display:none}
  table,tbody,tr,td,tbody th{display:block;width:100%}
  tr{padding:14px 18px 10px;border-bottom:1px solid var(--rule)}
  tbody tr:last-child{border-bottom:0}
  td,tbody th{border:0;padding:6px 0 10px}
  td::before{content:attr(data-th);display:block;font:600 13px/1.3 var(--text);letter-spacing:.05em;text-transform:uppercase;color:var(--muted);margin-bottom:4px}
}

/* Who we work with */
.note{margin-top:32px;border:1px solid var(--burgundy-deep);padding:20px 22px 22px;display:grid;grid-template-columns:auto 1fr;gap:16px;align-items:start;background:var(--white)}
.note .flag{margin-top:3px}
.note p{font-size:16px;line-height:1.5}

/* Three steps (static rail) */
.three{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));column-gap:24px;margin-top:44px;position:relative;padding-top:28px}
.three::before{content:"";position:absolute;left:0;right:0;top:5px;height:2px;background:var(--burgundy-deep)}
.three li{position:relative}
.three .pin{position:absolute;top:-28px;left:0;width:12px;height:12px;background:var(--burgundy-deep)}
.three .n{font:800 36px/1 var(--display);letter-spacing:-.035em;color:var(--burgundy-deep)}
.three h3{font:700 22px/1.2 var(--display);letter-spacing:-.025em;margin-top:14px}
.three p{margin-top:10px;color:var(--muted);line-height:1.5}
@media (max-width:900px){
  .three{display:block;padding-top:0;padding-left:30px}
  .three::before{left:5px;right:auto;top:8px;bottom:12px;height:auto;width:2px}
  .three li{padding:14px 0 20px;border-bottom:1px solid var(--rule)}
  .three li:first-child{padding-top:0}
  .three li:last-child{border-bottom:0}
  .three .pin{left:-30px;top:6px}
  .three li:first-child .pin{top:4px}
  .three .n{font-size:28px}
}

/* Contact list */
.contacts{border-top:1px solid var(--rule-strong)}
.contacts li{display:grid;grid-template-columns:minmax(180px,2fr) 5fr;column-gap:32px;padding:22px 0;border-bottom:1px solid var(--rule);align-items:baseline}
.contacts .k{font:600 15px/1.3 var(--text);letter-spacing:.02em;color:var(--muted)}
.contacts a{font:700 clamp(20px,2vw,26px)/1.2 var(--display);letter-spacing:-.025em;text-decoration-thickness:1px}
@media (max-width:640px){
  .contacts li{grid-template-columns:1fr;row-gap:6px;padding:18px 0}
}

/* Footer */
.site-footer > .field-dark{border-top:1px solid var(--rule-dark-strong)}
.site-footer .top{padding-block:64px 56px;row-gap:40px}
.foot-brand{grid-column:1 / span 4}
.foot-brand .brand{color:var(--on-dark)}
.foot-brand p{margin-top:20px;max-width:34ch;color:var(--muted-dark);line-height:1.5}
.foot-contacts{margin-top:28px;font-size:15px;line-height:1.6;border-top:1px solid var(--rule-dark);padding-top:16px}
.foot-contacts li{display:grid;grid-template-columns:minmax(150px,auto) 1fr;gap:16px;padding:3px 0}
.foot-contacts .k{color:var(--muted-dark)}
.foot-contacts a{color:var(--on-dark);text-decoration-color:var(--rule-dark-strong)}
.foot-col{grid-column:span 2}
.foot-col:first-of-type{grid-column:6 / span 2}
.foot-col h2{font:600 13px/1.3 var(--text);letter-spacing:.06em;text-transform:uppercase;color:var(--muted-dark);padding-bottom:12px;border-bottom:1px solid var(--rule-dark)}
.foot-col li{padding:8px 0;font-size:16px}
.foot-col a{color:var(--on-dark);text-decoration:none}
.foot-col a:hover{text-decoration:underline;text-decoration-color:var(--coral-light)}
.foot-legal{display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;padding-block:18px;display:flex;flex-wrap:wrap;gap:12px 40px;justify-content:space-between;font-size:14px;color:var(--muted-dark)}
.langs{display:flex;gap:16px}
.langs span{color:var(--on-dark);font-weight:600;letter-spacing:.06em}
.langs .k{color:var(--muted-dark);font-weight:400;letter-spacing:0}

/* Responsive */
@media (max-width:1100px){
  .hero-copy,.hero-copy.wide{grid-column:1 / span 12}
  .hero-side{grid-column:1 / span 12}
  .section-head{grid-column:1 / span 12}
  .section-body{grid-column:1 / span 12;margin-top:36px}
  .band .text{grid-column:1 / span 12}
  .band .cta-row{grid-column:1 / span 12;justify-content:flex-start}
  .foot-brand{grid-column:1 / span 12}
  .foot-col{grid-column:span 4}
  .foot-col:first-of-type{grid-column:span 4}
  .facts{grid-template-columns:1fr 1fr}
  .facts > div{padding-left:0 !important;padding-right:20px}
  .markets{grid-template-columns:1fr 1fr}
  .gets{grid-template-columns:1fr 1fr}
  .gets li{padding-left:0 !important;padding-right:20px}
}
@media (max-width:640px){
  body{font-size:16px}
  .hero .grid{padding-top:32px;row-gap:36px}
  .hero{padding-bottom:48px}
  .hero .lede{margin-top:20px}
  .cta-row{margin-top:28px}
  .cta-row .btn{width:100%}
  .section{padding-block:52px}
  .facts{grid-template-columns:1fr}
  .facts > div{padding:20px 0 22px}
  .markets{grid-template-columns:1fr 1fr}
  .markets li{padding:16px 14px 18px;grid-template-columns:1fr;row-gap:2px}
  .markets .code{grid-row:auto;font-size:30px;margin-bottom:6px}
  .reasons{grid-template-columns:1fr;gap:0}
  .gets,.gets.two{grid-template-columns:1fr}
  .gets li,.gets.two li{padding:22px 0 26px}
  .steps li{grid-template-columns:44px 1fr;column-gap:14px}
  .steps .n{font-size:26px}
  .foot-col{grid-column:1 / span 12}
  .foot-col:first-of-type{grid-column:1 / span 12}
  .foot-contacts li{grid-template-columns:1fr;gap:0}
  .runhead{flex-direction:column;gap:4px;align-items:flex-start}
  .panel{padding-block:48px}
  .band{padding-block:52px}
  .band .cta-row .btn{width:100%}
  .site-footer .top{padding-block:48px 40px}
}

@media (prefers-reduced-motion:reduce){
  *,*::before,*::after{transition:none !important}
  .rail-v::before{transform:none !important}
  .pin{opacity:1 !important;transform:none !important}
}

/* Legal pages */
.legal{font-size:17px;line-height:1.55;color:var(--ink)}
.legal-sec{display:grid;grid-template-columns:repeat(12,minmax(0,1fr));column-gap:24px;padding:28px 0;border-top:1px solid var(--rule)}
.legal-sec:first-child{border-top:0;padding-top:0}
.legal-h{grid-column:1 / span 4}
.legal-b{grid-column:5 / span 8;max-width:none}
.legal h2{font:700 20px/1.25 var(--display);letter-spacing:-.015em;margin:0;position:sticky;top:96px}
.legal p{margin:0 0 12px}
.legal p:last-child{margin-bottom:0}
.legal ul{margin:0 0 14px;padding-left:22px;list-style:disc}
.legal li{margin:0 0 8px}
.legal a{color:var(--crimson);text-decoration:underline;text-underline-offset:3px}
@media (max-width:860px){.legal-sec{display:block;padding:22px 0} .legal h2{position:static;margin-bottom:12px}}

/* Forms (register / login) */
.form-grid{row-gap:40px}
.form-aside{grid-column:1 / span 4}
.site-form{grid-column:6 / span 7;display:grid;gap:26px;background:var(--white);border:1px solid var(--rule-strong);padding:36px}
@media (max-width:960px){.form-aside,.site-form{grid-column:1 / -1} .site-form{padding:24px}}
.site-form fieldset{border:0;padding:0;margin:0;display:grid;gap:16px;min-width:0}
.site-form legend{font:700 13px/1.3 var(--text);letter-spacing:.08em;text-transform:uppercase;color:var(--muted);padding:0 0 12px;border-bottom:1px solid var(--rule-strong);width:100%;margin-bottom:6px}
.site-form label{display:grid;gap:8px;font:600 14px/1.3 var(--text);letter-spacing:.02em;color:var(--ink)}
.site-form .opt{font-weight:400;color:var(--muted)}
.site-form input[type=text],.site-form input[type=email],.site-form input[type=tel],.site-form input[type=password],.site-form select,.site-form textarea{font:400 16px/1.5 var(--text);color:var(--ink);background:var(--paper);border:1px solid var(--rule-strong);padding:12px 14px;border-radius:0;width:100%;box-sizing:border-box;min-width:0}
.site-form select{appearance:none;-webkit-appearance:none;background-image:linear-gradient(45deg,transparent 50%,var(--ink) 50%),linear-gradient(135deg,var(--ink) 50%,transparent 50%);background-position:calc(100% - 20px) 50%,calc(100% - 14px) 50%;background-size:6px 6px,6px 6px;background-repeat:no-repeat;padding-right:40px}
.site-form textarea{resize:vertical}
.site-form input:focus,.site-form select:focus,.site-form textarea:focus{outline:2px solid var(--crimson);outline-offset:1px;background:var(--white)}
.site-form input.invalid,.site-form select.invalid{border-color:var(--crimson)}
.site-form .row2{display:grid;grid-template-columns:1fr 1fr;gap:16px}
@media (max-width:620px){.site-form .row2{grid-template-columns:1fr}}
.site-form .check{display:flex;gap:12px;align-items:flex-start;font-weight:400;font-size:15px;line-height:1.5}
.site-form .check input{width:18px;height:18px;margin-top:3px;accent-color:var(--crimson)}
.site-form .check a{color:var(--crimson)}
.site-form .cta-row{display:flex;gap:18px;align-items:center;flex-wrap:wrap}
.site-form .hint{font:400 14px/1.5 var(--text);color:var(--muted);margin:0}
.site-form .hint.err{color:var(--crimson)}
.site-form .form-foot{font:400 15px/1.5 var(--text);color:var(--muted);margin:0;padding-top:18px;border-top:1px solid var(--rule)}
.site-form .form-foot a{color:var(--crimson)}
.login-form{max-width:520px}
.steps-min{list-style:none;counter-reset:s;margin:24px 0 0;padding:0;border-top:1px solid var(--rule-strong)}
.steps-min li{counter-increment:s;display:grid;grid-template-columns:36px 1fr;column-gap:12px;align-items:start;padding:16px 0;border-bottom:1px solid var(--rule);font-size:16px;line-height:1.5;color:var(--muted)}
.steps-min li::before{content:counter(s,decimal-leading-zero);font:800 18px/1.4 var(--display);color:var(--burgundy-deep)}
.steps-min strong{color:var(--ink);font-weight:600}
.compact-list{margin-top:20px}
.compact-list li{font-size:15px;padding:11px 0;color:var(--muted)}
.markets li.more{display:flex;flex-direction:column;justify-content:center;gap:4px;background:var(--paper)}
.markets li.more .country{color:var(--muted);font-weight:600}
.markets li.more a{color:var(--crimson)}


/* LW-2607 fix: .contact-markets grid children had no column spans (collapsed to ~1/12 width) */
.contact-markets-head{grid-column:1 / span 4}
.contact-markets .contacts{grid-column:6 / span 7;margin-top:0}
@media (max-width:1100px){
  .contact-markets-head,.contact-markets .contacts{grid-column:1 / -1}
  .contact-markets .contacts{margin-top:12px}
}