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

  /* ── Tokens ──────────────────────────────────────────── */
  :root {
    --navy:        #24339a;
    --navy-dark:   #1b2675;
    --gold:        #d7b35f;
    --gold-soft:   #fdf8ee;
    --gold-border: #e3d2a7;
    --bg:          #f5f5f2;
    --surface:     #ffffff;
    --surface-2:   #faf9f6;
    --text:        #151515;
    --muted:       #6f6f6f;
    --border:      #e8e2d7;
    --border-2:    #e6dfd3;
    --radius-xl:   24px;
    --radius-lg:   18px;
    --radius-md:   13px;
    --radius-sm:   10px;
    --shadow:      0 8px 24px rgba(16,24,40,.07);
  }

  /* ── Base ────────────────────────────────────────────── */
  body {
    font-family: Inter, system-ui, sans-serif;
    background: var(--bg);
    color: var(--text);
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
    min-height: 100vh;
  }

  /* ── Shell ───────────────────────────────────────────── */
  .shell {
    width: min(1100px, calc(100% - 32px));
    margin: 0 auto;
    padding: 24px 0 36px;
  }

  /* ── Topbar ──────────────────────────────────────────── */
  .topbar {
    display: flex;
    align-items: center;
    justify-content: space-between;
    flex-wrap: wrap;
    gap: 10px;
    margin-bottom: 20px;
  }

  .brand {
    display: flex;
    align-items: center;
    gap: 10px;
  }

  .brand-icon {
    width: 42px;
    height: 42px;
    border-radius: 13px;
    background: var(--navy);
    color: #fff;
    display: grid;
    place-items: center;
    font-size: 20px;
    flex-shrink: 0;
    box-shadow: var(--shadow);
  }

  .brand-name {
    font-size: 13px;
    font-weight: 800;
    letter-spacing: .07em;
    text-transform: uppercase;
    color: var(--navy);
  }

  .secure-chip {
    display: inline-flex;
    align-items: center;
    gap: 7px;
    padding: 7px 16px;
    border-radius: 999px;
    background: var(--surface);
    border: 1px solid var(--border);
    font-size: 11px;
    font-weight: 800;
    letter-spacing: .07em;
    text-transform: uppercase;
    color: #5f6673;
  }

  .secure-chip svg {
    width: 13px;
    height: 13px;
    color: var(--navy);
    flex-shrink: 0;
  }

  /* ── Hero grid ───────────────────────────────────────── */
  .hero {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 16px;
    align-items: stretch;
  }

  /* ── Shared panel ────────────────────────────────────── */
  .panel {
    background: var(--surface);
    border: 1px solid #ebe5db;
    border-radius: var(--radius-xl);
    box-shadow: var(--shadow);
    overflow: hidden;
  }

  /* ── Left: info panel ────────────────────────────────── */
  .info-panel {
    padding: 30px;
    display: flex;
    flex-direction: column;
    gap: 22px;
    position: relative;
  }

  .info-panel::before {
    content: "";
    position: absolute;
    top: 0; left: 0; right: 0;
    height: 3px;
    background: linear-gradient(90deg, transparent 0%, var(--gold) 30%, var(--gold) 70%, transparent 100%);
  }

  .eyebrow {
    display: inline-flex;
    align-items: center;
    gap: 7px;
    padding: 5px 13px;
    border-radius: 999px;
    background: #eef1ff;
    color: var(--navy);
    font-size: 10px;
    font-weight: 800;
    letter-spacing: .08em;
    text-transform: uppercase;
    width: fit-content;
  }

  .hero-title {
    font-size: clamp(28px, 3.8vw, 50px);
    line-height: .97;
    font-weight: 800;
    letter-spacing: -.04em;
  }

  .hero-title em {
    font-style: normal;
    color: var(--navy);
  }

  .hero-sub {
    font-size: 14px;
    line-height: 1.65;
    color: var(--muted);
  }

  .stats {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 10px;
  }

  .stat {
    background: var(--surface-2);
    border: 1px solid var(--border);
    border-radius: 16px;
    padding: 13px;
  }

  .stat strong {
    display: block;
    font-size: 20px;
    font-weight: 800;
    color: var(--navy);
    margin-bottom: 3px;
    line-height: 1.1;
  }

  .stat span {
    display: block;
    font-size: 11px;
    color: var(--muted);
    line-height: 1.35;
  }

  .points {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 9px 16px;
  }

  .point {
    display: flex;
    align-items: flex-start;
    gap: 9px;
    font-size: 13px;
    line-height: 1.45;
    color: #4f4f4f;
  }

  .point-check {
    width: 18px;
    height: 18px;
    border-radius: 50%;
    background: var(--gold);
    display: grid;
    place-items: center;
    flex-shrink: 0;
    margin-top: 1px;
  }

  .point-check svg {
    width: 10px;
    height: 10px;
    stroke: #1d1d1d;
    stroke-width: 2.5;
    fill: none;
  }

  /* ── Right: form panel ───────────────────────────────── */
  .form-panel {
    padding: 28px;
    display: flex;
    flex-direction: column;
    justify-content: center;
    gap: 18px;
  }

  /* Form head */
  .form-kicker {
    display: inline-block;
    font-size: 10px;
    font-weight: 800;
    letter-spacing: .1em;
    text-transform: uppercase;
    color: var(--navy);
    margin-bottom: 7px;
  }

  .form-title {
    font-size: 32px;
    font-weight: 800;
    letter-spacing: -.03em;
    margin-bottom: 6px;
    line-height: 1;
  }

  .form-sub {
    font-size: 13px;
    line-height: 1.55;
    color: var(--muted);
  }

  /* Form body card */
  .form-card {
    background: var(--surface-2);
    border: 1px solid var(--border);
    border-radius: var(--radius-lg);
    padding: 18px;
    display: flex;
    flex-direction: column;
    gap: 14px;
  }

  /* Fields */
  .field label {
    display: block;
    font-size: 12px;
    font-weight: 700;
    color: #3d3d3d;
    margin-bottom: 7px;
  }

  .input-wrap {
    display: flex;
    align-items: center;
    gap: 10px;
    padding: 0 14px;
    background: var(--surface);
    border: 1px solid var(--border-2);
    border-radius: var(--radius-md);
    min-height: 52px;
    transition: border-color .2s, box-shadow .2s;
  }

  .input-wrap:focus-within {
    border-color: #cdd4ff;
    box-shadow: 0 0 0 4px rgba(36,51,154,.08);
  }

  .input-wrap svg {
    width: 16px;
    height: 16px;
    color: var(--muted);
    flex-shrink: 0;
  }

  .input-wrap input {
    flex: 1;
    height: 50px;
    border: 0;
    outline: none;
    background: transparent;
    font-size: 14px;
    color: var(--text);
  }

  .input-wrap input::placeholder {
    color: #b0a89a;
  }

  /* Note */
  .form-note {
    font-size: 11px;
    line-height: 1.5;
    color: #8a8a8a;
  }

  /* WhatsApp button */
  .btn-wa {
    width: 100%;
    min-height: 54px;
    border: 0;
    border-radius: var(--radius-md);
    background: var(--navy);
    color: #fff;
    font-size: 14px;
    font-weight: 800;
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 10px;
    cursor: pointer;
    transition: background .2s;
    box-shadow: 0 8px 22px rgba(36,51,154,.2);
  }

  .btn-wa:hover { background: var(--navy-dark); }

  .btn-wa svg { flex-shrink: 0; }

  /* Trust pills */
  .trust-row {
    display: flex;
    flex-wrap: wrap;
    gap: 7px;
  }

  .trust-pill {
    display: inline-flex;
    align-items: center;
    padding: 4px 11px;
    border-radius: 999px;
    border: 1px solid #e7dfcf;
    background: var(--surface);
    font-size: 10px;
    font-weight: 800;
    letter-spacing: .05em;
    text-transform: uppercase;
    color: #726857;
    min-height: 28px;
  }

  /* Quick card */
  .quick-card {
    background: var(--gold-soft);
    border: 1px solid var(--gold-border);
    border-radius: var(--radius-sm);
    padding: 11px 13px;
    font-size: 12px;
    line-height: 1.5;
    color: #6b5a3a;
  }

  /* ── OTP Overlay ─────────────────────────────────────── */
  .overlay {
    backdrop-filter: blur(6px);
  }

  .overlay .card {
    border-radius: 24px !important;
    border: 1px solid #ebe5db !important;
    box-shadow: 0 18px 44px rgba(16,24,40,.12) !important;
  }

  /* ── Responsive: tablet ──────────────────────────────── */
  @media (max-width: 900px) {
    .shell {
      width: min(100%, calc(100% - 20px));
      padding: 16px 0 24px;
    }

    .hero {
      grid-template-columns: 1fr;
      gap: 12px;
    }

    .info-panel { padding: 22px; gap: 16px; }
    .form-panel  { padding: 22px; }

    .hero-title { font-size: 32px; }
    .hero-sub   { font-size: 13px; }
  }

  /* ── Responsive: mobile ──────────────────────────────── */
  @media (max-width: 560px) {
    .shell {
      width: calc(100% - 12px);
      padding: 10px 0 16px;
    }

    .topbar { margin-bottom: 10px; gap: 8px; }

    .brand-icon {
      width: 34px;
      height: 34px;
      border-radius: 10px;
      font-size: 16px;
    }

    .brand-name  { font-size: 11px; }

    .secure-chip {
      font-size: 9px;
      padding: 5px 10px;
    }

    .panel { border-radius: 18px; }

    /* Info panel */
    .info-panel  { padding: 14px; gap: 13px; }

    .eyebrow     { font-size: 9px; padding: 4px 10px; }

    .hero-title  { font-size: 24px; }
    .hero-sub    { font-size: 12px; line-height: 1.45; }

    .stats       { gap: 7px; }
    .stat        { border-radius: 12px; padding: 9px; }
    .stat strong { font-size: 15px; }
    .stat span   { font-size: 9px; }

    .points              { grid-template-columns: 1fr; gap: 7px; }
    .point               { font-size: 12px; gap: 8px; }
    .point-check         { width: 16px; height: 16px; }
    .point-check svg     { width: 9px; height: 9px; }

    /* Form panel */
    .form-panel  { padding: 14px; gap: 13px; }

    .form-kicker { font-size: 9px; margin-bottom: 5px; }
    .form-title  { font-size: 22px; margin-bottom: 4px; }
    .form-sub    { font-size: 12px; line-height: 1.4; }

    .form-card   { padding: 12px; gap: 11px; border-radius: 14px; }

    .field label { font-size: 11px; margin-bottom: 5px; }

    .input-wrap {
      min-height: 44px;
      border-radius: var(--radius-sm);
      padding: 0 11px;
      gap: 8px;
    }

    .input-wrap svg   { width: 15px; height: 15px; }
    .input-wrap input { height: 42px; font-size: 13px; }

    .form-note { font-size: 10px; }

    .btn-wa {
      min-height: 46px;
      border-radius: var(--radius-sm);
      font-size: 13px;
      box-shadow: none;
    }

    .trust-row  { gap: 5px; }
    .trust-pill { font-size: 9px; padding: 3px 9px; min-height: 24px; }

    .quick-card { font-size: 11px; padding: 9px 11px; }
  }