/* MasterKey — shared design system (dark navy + gold, premium fintech) */
:root{
  --bg:#0a1120;--bg2:#0f1930;--panel:#131f38;--panel2:#18243f;
  --gold:#d4af37;--gold2:#f4dd94;--ink:#eef2f9;--muted:#94a2bd;--dim:#63728f;
  --line:rgba(212,175,55,.20);--line2:rgba(255,255,255,.07);
  --green:#3ad29f;--red:#ff6b6b;
  --display:'Cormorant Garamond',Georgia,serif;--ui:'Inter',system-ui,sans-serif;
  --maxw:1180px;--r:16px;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:var(--ui);background:var(--bg);color:var(--ink);line-height:1.65;overflow-x:hidden;-webkit-font-smoothing:antialiased}
a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 26px}
.eyebrow{font-size:.74rem;letter-spacing:.26em;text-transform:uppercase;color:var(--gold);font-weight:600}
.serif{font-family:var(--display)}
h1,h2,h3{font-family:var(--display);font-weight:700;line-height:1.1;color:#fff}
.muted{color:var(--muted)}
/* nav */
header.nav{position:fixed;inset:0 0 auto 0;z-index:50;backdrop-filter:blur(12px);background:rgba(10,17,32,.72);border-bottom:1px solid var(--line)}
.nav-in{display:flex;align-items:center;justify-content:space-between;height:70px}
.brand{display:flex;align-items:center;gap:11px;font-family:var(--display);font-size:1.45rem;font-weight:700;color:#fff}
.brand svg{width:30px;height:30px}
.brand span{color:var(--gold)}
.menu{display:flex;align-items:center;gap:26px}
.menu a{font-size:.82rem;font-weight:500;letter-spacing:.04em;color:var(--muted);transition:.2s}
.menu a:hover{color:var(--gold2)}
.menu a.cta{color:#12160a;background:linear-gradient(180deg,var(--gold2),var(--gold));padding:.6em 1.1em;border-radius:8px;font-weight:700}
.menu a.cta:hover{transform:translateY(-2px);color:#12160a}
.burger{display:none;background:none;border:0;color:#fff;cursor:pointer}
@media(max-width:820px){.menu{position:fixed;inset:70px 0 auto 0;flex-direction:column;background:var(--bg2);padding:18px;gap:16px;border-bottom:1px solid var(--line);transform:translateY(-140%);transition:.35s}.menu.open{transform:none}.burger{display:block}}
/* buttons */
.btn{display:inline-flex;align-items:center;gap:8px;font-weight:600;font-size:.92rem;padding:.85em 1.7em;border-radius:9px;transition:.25s;cursor:pointer;border:1px solid transparent;letter-spacing:.01em}
.btn-gold{background:linear-gradient(180deg,var(--gold2),var(--gold));color:#12160a;box-shadow:0 14px 40px -16px rgba(212,175,55,.6)}
.btn-gold:hover{transform:translateY(-2px);box-shadow:0 20px 50px -16px rgba(212,175,55,.8)}
.btn-ghost{border-color:var(--line);color:var(--ink)}
.btn-ghost:hover{border-color:var(--gold);color:var(--gold2)}
/* sections */
section{position:relative}
.sec{padding:92px 0}
.sec-head{max-width:640px;margin:0 auto 48px;text-align:center}
.sec-head h2{font-size:clamp(2rem,5vw,3rem);margin:12px 0 8px}
.sec-head p{color:var(--muted);font-size:1.05rem}
/* hero */
.hero{min-height:100vh;display:grid;place-items:center;text-align:center;padding:130px 0 80px;position:relative;
  background:radial-gradient(1200px 620px at 50% -8%,rgba(212,175,55,.12),transparent 60%),linear-gradient(180deg,var(--bg),var(--bg2))}
.hero h1{font-size:clamp(2.9rem,8.5vw,5.6rem);color:#fff;margin:14px 0 6px}
.hero h1 .g{color:var(--gold)}
.hero .sub{font-size:clamp(1.05rem,2.4vw,1.35rem);color:var(--muted);max-width:640px;margin:16px auto 32px}
.btns{display:flex;gap:14px;justify-content:center;flex-wrap:wrap}
.hero .spark{position:absolute;border-radius:50%;background:radial-gradient(circle,var(--gold),transparent 70%);filter:blur(2px);opacity:.5;pointer-events:none}
/* stat strip */
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;max-width:900px;margin:40px auto 0}
@media(max-width:640px){.stats{grid-template-columns:1fr 1fr}}
.stat{text-align:center}
.stat .n{font-family:var(--display);font-weight:700;font-size:clamp(1.8rem,4vw,2.6rem);color:var(--gold2)}
.stat .l{font-size:.76rem;letter-spacing:.1em;text-transform:uppercase;color:var(--muted);margin-top:4px}
/* category grid */
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
@media(max-width:900px){.grid3{grid-template-columns:1fr}}
.card{background:linear-gradient(180deg,var(--panel),var(--bg2));border:1px solid var(--line);border-radius:var(--r);padding:30px 26px;transition:.3s;position:relative;overflow:hidden}
.card:hover{transform:translateY(-6px);border-color:var(--gold)}
.card .ic{width:46px;height:46px;color:var(--gold);margin-bottom:16px}
.card h3{font-size:1.5rem;margin-bottom:8px}
.card p{color:var(--muted);font-size:.95rem}
.card .go{color:var(--gold2);font-weight:600;font-size:.86rem;margin-top:14px;display:inline-block}
/* how it works */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;counter-reset:s}
@media(max-width:820px){.steps{grid-template-columns:1fr}}
.step{background:var(--panel);border:1px solid var(--line2);border-radius:var(--r);padding:28px;position:relative}
.step::before{counter-increment:s;content:"0" counter(s);font-family:var(--display);font-size:2.4rem;color:var(--gold);opacity:.5;font-weight:700}
.step h3{font-size:1.3rem;margin:6px 0 8px}
.step p{color:var(--muted);font-size:.94rem}
/* comparison table */
.cmp{overflow-x:auto;border:1px solid var(--line);border-radius:var(--r)}
table.rank{width:100%;border-collapse:collapse;min-width:760px;background:var(--panel)}
table.rank th,table.rank td{padding:16px 16px;border-bottom:1px solid var(--line2);text-align:center;vertical-align:middle}
table.rank th{background:var(--bg2);color:var(--gold);font-family:var(--ui);font-weight:600;font-size:.74rem;letter-spacing:.1em;text-transform:uppercase}
table.rank td:first-child,table.rank th:first-child{text-align:left}
table.rank .name{font-weight:700;color:#fff;font-size:1.05rem}
table.rank .badge{display:inline-block;font-size:.62rem;letter-spacing:.08em;text-transform:uppercase;color:#12160a;background:linear-gradient(180deg,var(--gold2),var(--gold));padding:.2em .6em;border-radius:5px;margin-top:4px}
table.rank .score{font-family:var(--display);font-weight:700;font-size:1.5rem;color:var(--gold2)}
table.rank .stars{color:var(--gold);font-size:.9rem;letter-spacing:1px}
table.rank tr:hover td{background:rgba(212,175,55,.04)}
/* review cards */
.rev{display:grid;grid-template-columns:repeat(2,1fr);gap:22px}
@media(max-width:820px){.rev{grid-template-columns:1fr}}
.rev .card{display:flex;flex-direction:column}
.rev .top{display:flex;align-items:center;justify-content:space-between;gap:12px;margin-bottom:10px}
.rev .top .score{font-family:var(--display);font-weight:700;font-size:1.8rem;color:var(--gold2)}
.rev ul{list-style:none;margin:12px 0;font-size:.9rem;color:var(--muted)}
.rev li{padding:5px 0 5px 24px;position:relative}
.rev li.pro::before{content:"✓";position:absolute;left:0;color:var(--green);font-weight:700}
.rev li.con::before{content:"✕";position:absolute;left:0;color:var(--red)}
/* trust / disclosure */
.trust{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;text-align:center}
@media(max-width:820px){.trust{grid-template-columns:1fr}}
.disclosurebar{background:rgba(212,175,55,.06);border:1px solid var(--line);border-radius:12px;padding:16px 22px;font-size:.86rem;color:var(--muted);max-width:900px;margin:0 auto}
.disclosurebar b{color:var(--gold2)}
/* cta band */
.cta{background:linear-gradient(135deg,#0e1a33,#1b2a4d);border-top:1px solid var(--line);border-bottom:1px solid var(--line);text-align:center}
.cta h2{font-size:clamp(2rem,5vw,3.1rem);margin-bottom:12px}
.cta p{color:var(--muted);max-width:560px;margin:0 auto 26px}
/* article/prose */
.prose{max-width:780px;margin:0 auto}
.prose h2{font-size:clamp(1.7rem,4vw,2.4rem);margin:40px 0 10px;color:#fff}
.prose h3{font-size:1.3rem;margin:26px 0 6px;color:var(--gold2)}
.prose p{color:#cdd6e6;font-size:1.05rem;margin:14px 0}
.prose a{color:var(--gold2);text-decoration:underline}
/* footer */
footer{background:var(--bg2);border-top:1px solid var(--line);padding:56px 0 34px;font-size:.9rem;color:var(--muted)}
.f-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:34px;margin-bottom:34px}
@media(max-width:820px){.f-grid{grid-template-columns:1fr 1fr}}
.f-col h5{color:var(--gold);font-family:var(--ui);font-size:.72rem;letter-spacing:.16em;text-transform:uppercase;margin-bottom:14px}
.f-col a{display:block;color:var(--muted);margin-bottom:9px;transition:.2s}
.f-col a:hover{color:var(--gold2)}
.f-bottom{border-top:1px solid var(--line2);padding-top:22px;font-size:.78rem;color:var(--dim);line-height:1.7}
/* reveal (GSAP animates; visible if JS off) */
.reveal{will-change:transform,opacity}