:root {
  --navy: #0C215F;
  --navy-2: #1B2E6E;
  --blue: #0077B6;
  --sky: #00A2E9;
  --turquoise: #6FD2BB;
  --yellow: #FBE896;
  --ink: #33415C;
  --muted: #51617D;
  --line: #DCE3EE;
  --tint: #F4F8FB;
  --tint-2: #EAF7FE;
  --font: "Avenir Next", Avenir, "Nunito Sans", "Segoe UI", Arial, sans-serif;
}
* { box-sizing: border-box; }
html, body { margin: 0; padding: 0; }
body { font-family: var(--font); color: var(--ink); background: #fff; -webkit-font-smoothing: antialiased; }
img { display: block; max-width: 100%; }
a { color: inherit; }
.wrap { width: 100%; max-width: 1440px; margin: 0 auto; }

/* Language dropdown */
.lang { position: relative; }
.lang select {
  appearance: none; -webkit-appearance: none; font: 600 14px/1 var(--font); letter-spacing: .02em;
  padding: 9px 30px 9px 12px; border-radius: 20px; cursor: pointer;
  background: rgba(255,255,255,.16) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='3' stroke-linecap='round'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E") no-repeat right 11px center;
  color: #fff; border: 1px solid rgba(255,255,255,.4);
}
.lang select option { color: var(--navy); }
.nav-desktop .lang select { color: var(--navy); border-color: var(--line); background-color: #fff;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 24 24' fill='none' stroke='%230C215F' stroke-width='3' stroke-linecap='round'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E"); }

/* Buttons */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 10px; height: 56px; padding: 0 30px;
  border-radius: 28px; background: var(--blue); color: #fff; font: 600 17px/1 var(--font); text-decoration: none; transition: background .15s; }
.btn:hover { background: #00669c; }
.btn svg { width: 18px; height: 18px; flex-shrink: 0; }

/* Desktop nav (hidden on mobile) */
.nav-desktop { display: none; }

/* Hero */
.hero-photo { position: relative; height: 380px; background-size: cover; background-position: 60% 12%; }
.hero-photo::before { content: ""; position: absolute; inset: 0 0 auto 0; height: 150px; background: linear-gradient(180deg, rgba(12,33,95,.55), rgba(12,33,95,0)); }
.mobile-head { position: relative; z-index: 2; display: flex; align-items: center; justify-content: space-between; padding: 18px 20px; }
.mobile-head img { width: 128px; height: auto; }
.sticker { position: absolute; right: 18px; bottom: -30px; width: 168px; height: 106px; border-radius: 12px; z-index: 3;
  background: linear-gradient(135deg, #253A79, #0C215F 70%); box-shadow: 0 14px 30px rgba(12,33,95,.35);
  transform: rotate(-6deg); display: flex; flex-direction: column; justify-content: space-between; padding: 12px 14px; }
.sticker img { width: 74px; }
.sticker .row { display: flex; justify-content: space-between; align-items: flex-end; }
.sticker .digits { font-size: 10px; color: rgba(255,255,255,.7); letter-spacing: .08em; }
.sticker .noname { font-size: 10px; color: var(--yellow); font-weight: 600; letter-spacing: .06em; }
.sticker .visa { font-size: 17px; font-weight: 900; font-style: italic; color: #fff; }
[data-version="b"] .sticker { display: none; }
[data-version="b"] .hero-photo { height: 420px; background-position: 50% 0%; }

.hero-copy { display: flex; flex-direction: column; gap: 14px; padding: 28px 20px; }
h1 { margin: 0; font-size: 31px; line-height: 35px; font-weight: 700; letter-spacing: -.02em; color: var(--navy); }
[data-version="b"] h1 { font-size: 34px; line-height: 38px; }
.sub { margin: 0; font-size: 16px; line-height: 24px; }
.cta-group { display: flex; flex-direction: column; gap: 10px; padding-top: 6px; }
.cta-group .btn { width: 100%; }
.micro { font-size: 13px; line-height: 19px; color: var(--muted); text-align: center; }
.trust { display: flex; gap: 10px; align-items: flex-start; padding-top: 16px; border-top: 1px solid var(--line); }
.trust svg { flex-shrink: 0; margin-top: 2px; }
.trust p { margin: 0; font-size: 13px; line-height: 18px; }
.trust .legal { margin-top: 4px; font-size: 12px; line-height: 17px; font-weight: 600; color: var(--muted); }
.hero-img-desktop { display: none; }

/* Facts panel */
.facts { padding: 4px 16px 36px; }
.panel { position: relative; overflow: hidden; border-radius: 26px; padding: 26px 22px 14px; color: #fff;
  background: radial-gradient(circle at 85% 0%, rgba(0,162,233,.45) 0%, rgba(0,162,233,0) 55%), linear-gradient(165deg, var(--navy-2) 0%, var(--navy) 70%); }
.panel-head { display: flex; justify-content: space-between; align-items: flex-start; gap: 12px; margin-bottom: 20px; }
.eyebrow { font-size: 12px; font-weight: 700; letter-spacing: .16em; text-transform: uppercase; }
.panel .eyebrow { color: var(--turquoise); }
.panel h2 { margin: 6px 0 0; font-size: 22px; line-height: 27px; font-weight: 700; letter-spacing: -.01em; max-width: 180px; }
.panel-card { width: 150px; margin-right: -30px; transform: rotate(8deg); flex-shrink: 0; }
.fact { display: flex; align-items: center; gap: 14px; padding: 14px 0; border-top: 1px solid rgba(255,255,255,.12); font-size: 16px; line-height: 21px; font-weight: 600; }
.fact .ico { width: 40px; height: 40px; flex-shrink: 0; border-radius: 12px; background: rgba(111,210,187,.14); display: flex; align-items: center; justify-content: center; }

/* Sections */
section { padding: 44px 20px; }
h2.title { margin: 0; font-size: 24px; line-height: 30px; font-weight: 700; letter-spacing: -.01em; color: var(--navy); }
.moment { background: var(--tint); display: flex; flex-direction: column; gap: 40px; }
.row2 > .left { display: flex; flex-direction: column; gap: 14px; }
.how-card { display: flex; flex-direction: column; gap: 24px; }
.moment .eyebrow { color: var(--blue); }
.moment p, .who p { margin: 0; font-size: 16px; line-height: 25px; }
.photo { border-radius: 20px; background-size: cover; height: 300px; }
.moment-photo { height: 400px; background-position: 50% 25%; margin-top: 8px; }
[data-version="a"] .moment-photo { display: none; }

.compare { display: flex; flex-direction: column; gap: 20px; }
.compare .cols { display: flex; gap: 12px; }
.ccard { flex: 1; display: flex; flex-direction: column; gap: 12px; padding: 16px; border-radius: 16px; }
.ccard.bank { border: 1px solid var(--line); }
.ccard.yc { background: var(--navy); color: #fff; }
.cvis { height: 84px; border-radius: 10px; padding: 10px 12px; display: flex; flex-direction: column; justify-content: space-between; font-size: 10px; font-weight: 600; letter-spacing: .08em; }
.bank .cvis { background: linear-gradient(135deg, #DDE3EA, #B9C3CF); color: var(--ink); box-shadow: 0 6px 14px rgba(12,33,95,.12); }
.bank .chiprow { display: flex; justify-content: space-between; align-items: center; color: var(--muted); }
.chip { width: 26px; height: 20px; border-radius: 4px; background: linear-gradient(135deg, #F3D98B, #C9A54A); }
.yc .cvis { background: linear-gradient(135deg, #3B4FA0, #253A79 60%); box-shadow: 0 8px 18px rgba(0,0,0,.35); color: var(--yellow); }
.yc .cvis img { width: 62px; }
.clabel { font-size: 13px; font-weight: 700; letter-spacing: .06em; }
.bank .clabel { color: var(--muted); }
.yc .clabel { color: #9FD8F7; }
.ccard p { margin: 0; font-size: 15px; line-height: 21px; }

.how { display: flex; flex-direction: column; gap: 24px; }
.how .photo { background-position: 50% 30%; }
.steps { display: flex; flex-direction: column; gap: 24px; }
.step { display: flex; gap: 16px; align-items: flex-start; }
.step .n { width: 36px; height: 36px; flex-shrink: 0; border-radius: 18px; background: var(--navy); color: #fff; display: flex; align-items: center; justify-content: center; font-weight: 700; }
.step h3 { margin: 5px 0 4px; font-size: 17px; line-height: 24px; font-weight: 600; color: var(--navy); }
.step p { margin: 0; font-size: 15px; line-height: 22px; color: var(--muted); }
.wallets { display: flex; gap: 10px; padding-left: 52px; }
.wallets img { width: 116px; }

.limits { background: var(--navy); color: #fff; display: flex; flex-direction: column; gap: 18px; }
.limits h2.title { color: #fff; }
.limits ul { list-style: none; margin: 0; padding: 0; }
.limits li { font-size: 16px; line-height: 24px; padding: 14px 0; border-top: 1px solid rgba(255,255,255,.18); }
.limits li:last-child { border-bottom: 1px solid rgba(255,255,255,.18); }

.who { display: flex; flex-direction: column; gap: 12px; padding-bottom: 12px; }
.who .eyebrow { color: var(--blue); }
.faq { padding-top: 32px; }
.faq h2.title { padding-bottom: 12px; }
details { border-top: 1px solid var(--line); padding: 16px 0; }
details:last-of-type { border-bottom: 1px solid var(--line); }
summary { list-style: none; cursor: pointer; display: flex; justify-content: space-between; align-items: center; gap: 12px; font-size: 16px; line-height: 23px; font-weight: 600; color: var(--navy); }
summary::-webkit-details-marker { display: none; }
summary::after { content: "+"; font-size: 22px; font-weight: 400; color: var(--navy); }
details[open] summary::after { content: "\2212"; }
details p { margin: 8px 0 0; font-size: 15px; line-height: 23px; color: var(--muted); }

.final { background: var(--tint-2); display: flex; flex-direction: column; gap: 18px; }
.final h2.title { font-size: 26px; line-height: 32px; }
.final .btn { width: 100%; }

footer { background: var(--navy); color: rgba(255,255,255,.85); padding: 32px 20px 40px; display: flex; flex-direction: column; gap: 16px; }
footer img { width: 110px; }
footer nav { font-size: 13px; line-height: 21px; }
footer nav a { text-decoration: none; }
footer nav a:hover { text-decoration: underline; }
footer nav a + a::before { content: " · "; }
footer .reg { font-size: 12px; line-height: 18px; color: rgba(255,255,255,.7); margin: 0; }

/* Desktop */
@media (min-width: 900px) {
  .mobile-head, .hero-photo { display: none; }
  .nav-desktop { display: flex; align-items: center; justify-content: space-between; padding: 22px 80px; border-bottom: 1px solid #EEF2F7; }
  .nav-desktop .logo { width: 148px; }
  .nav-desktop .links { display: flex; align-items: center; gap: 28px; font-size: 15px; font-weight: 500; }
  .nav-desktop .links a { text-decoration: none; }
  .nav-desktop .btn { height: 42px; padding: 0 20px; font-size: 15px; }
  .hero { display: flex; align-items: center; gap: 64px; padding: 56px 80px 64px; }
  .hero-copy { padding: 0; width: 560px; flex-shrink: 0; gap: 22px; }
  h1, [data-version="b"] h1 { font-size: 56px; line-height: 60px; letter-spacing: -.025em; }
  .sub { font-size: 20px; line-height: 30px; max-width: 500px; }
  .cta-group { flex-direction: row; align-items: center; gap: 20px; padding-top: 8px; }
  .cta-group .btn { width: auto; height: 58px; font-size: 18px; }
  .micro { text-align: left; width: 190px; font-size: 14px; line-height: 20px; }
  .trust { max-width: 500px; }
  .trust p { font-size: 14px; line-height: 20px; }
  .hero-img-desktop { display: block; position: relative; flex: 1; height: 620px; border-radius: 28px; background-size: cover; background-position: 50% 45%; }
  [data-version="b"] .hero-img-desktop { background-position: 50% 35%; }
  .hero-img-desktop .sticker { right: auto; left: -48px; bottom: 44px; width: 220px; height: 139px; padding: 16px 18px; display: flex; }
  [data-version="b"] .hero-img-desktop .sticker { display: none; }
  .hero-img-desktop .sticker img { width: 90px; }

  .facts { padding: 0 80px 80px; }
  .panel { display: flex; align-items: center; gap: 56px; padding: 40px 48px; border-radius: 32px;
    background: radial-gradient(circle at 20% 0%, rgba(0,162,233,.45) 0%, rgba(0,162,233,0) 50%), linear-gradient(165deg, var(--navy-2) 0%, var(--navy) 70%); }
  .panel-head { flex-direction: column; width: 340px; flex-shrink: 0; margin: 0; gap: 22px; }
  .panel h2 { font-size: 30px; line-height: 36px; max-width: none; }
  .panel-card { width: 250px; margin: 0; transform: rotate(-6deg); }
  .fact-grid { display: flex; flex-wrap: wrap; column-gap: 40px; flex: 1; }
  .fact { width: calc(50% - 20px); padding: 20px 0; font-size: 18px; line-height: 24px; }

  section { padding: 88px 80px; }
  h2.title { font-size: 36px; line-height: 44px; letter-spacing: -.015em; }
  .row2 { display: flex; gap: 96px; align-items: flex-start; }
  .row2 > .left { width: 520px; flex-shrink: 0; display: flex; flex-direction: column; gap: 18px; }
  .row2 > .right { flex: 1; }
  .moment.row2 { padding: 96px 80px; }
  .moment p { font-size: 18px; line-height: 28px; }
  .moment.row2 { flex-direction: row; gap: 96px; }
  .moment-photo { height: 560px; background-position: 50% 30%; }
  [data-version="a"] .moment-photo { display: block; height: 340px; }
  .how-card { background: #fff; border-radius: 20px; padding: 28px 32px; }
  .how-card h2.title { font-size: 22px; line-height: 28px; }
  .how-card .photo { display: none; }

  .compare { flex-direction: row; align-items: center; gap: 96px; }
  .compare h2.title { width: 420px; flex-shrink: 0; }
  .compare .cols { flex: 1; gap: 20px; }
  .ccard { padding: 24px; gap: 14px; }
  .cvis { height: 150px; padding: 16px 18px; }
  .yc .cvis img { width: 80px; }
  .ccard p { font-size: 17px; line-height: 25px; }

  .limits { flex-direction: row; gap: 96px; padding: 80px; }
  .limits .left { width: 420px; flex-shrink: 0; }
  .limits ul { flex: 1; }
  .limits li { font-size: 18px; line-height: 28px; padding: 18px 0; }

  .trustfaq { display: flex; gap: 96px; padding: 88px 80px; align-items: flex-start; }
  .trustfaq .who { width: 420px; flex-shrink: 0; padding: 0; }
  .trustfaq .who p { font-size: 17px; line-height: 27px; }
  .trustfaq .faq { flex: 1; padding: 0; }

  .final { flex-direction: row; align-items: center; justify-content: space-between; padding: 72px 80px; }
  .final h2.title { font-size: 40px; line-height: 48px; max-width: 640px; }
  .final .btn { width: auto; }
  .final .cta-col { display: flex; flex-direction: column; align-items: center; gap: 10px; }
  .final .micro { width: auto; text-align: center; }
  footer { padding: 40px 80px 48px; }
}
@media (max-width: 899px) {
  .trustfaq { display: block; }
  .trustfaq > section { padding-left: 20px; padding-right: 20px; }
  .how-card .photo { margin-bottom: 0; }
  .final .cta-col { display: flex; flex-direction: column; gap: 10px; }
}

/* ===== Shape system (16 Oct review): one radius scale and Yoursafe waves at every colour change ===== */
:root { --r-xl: 32px; --r-lg: 24px; --r-md: 16px; --wave-h: 44px; }
.panel { border-radius: var(--r-xl); }
.photo, .how-card, .ccard { border-radius: var(--r-lg); }
.cvis, .fact .ico, .sticker { border-radius: var(--r-md); }
.chip { border-radius: 5px; }

/* Wave edges. The wave is drawn in the section's own colour and sits over the section above it. */
.wave-top { position: relative; }
.wave-top::before { content: ""; position: absolute; left: 0; right: 0; top: calc(var(--wave-h) * -1 + 1px); height: var(--wave-h);
  background-repeat: no-repeat; background-size: 100% 100%; pointer-events: none; }
.wave-tint::before { background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1440 60' preserveAspectRatio='none'%3E%3Cpath fill='%23F4F8FB' d='M0 34C180 6 360 6 560 26s420 34 620 14c120-12 200-26 260-30V60H0z'/%3E%3C/svg%3E"); }
.wave-white::before { background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1440 60' preserveAspectRatio='none'%3E%3Cpath fill='%23FFFFFF' d='M0 18c220 30 420 38 640 22S1080 0 1260 8c80 4 140 14 180 22V60H0z'/%3E%3C/svg%3E"); }
.wave-tint2::before { background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1440 60' preserveAspectRatio='none'%3E%3Cpath fill='%23EAF7FE' d='M0 34C180 6 360 6 560 26s420 34 620 14c120-12 200-26 260-30V60H0z'/%3E%3C/svg%3E"); }
.wave-navy::before { background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1440 60' preserveAspectRatio='none'%3E%3Cpath fill='%230C215F' d='M0 18c220 30 420 38 640 22S1080 0 1260 8c80 4 140 14 180 22V60H0z'/%3E%3C/svg%3E"); }

/* Mobile hero photo ends in a white wave. */
.hero-photo::after { content: ""; position: absolute; left: 0; right: 0; bottom: -1px; height: 36px; z-index: 1;
  background: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1440 60' preserveAspectRatio='none'%3E%3Cpath fill='%23FFFFFF' d='M0 18c220 30 420 38 640 22S1080 0 1260 8c80 4 140 14 180 22V60H0z'/%3E%3C/svg%3E") no-repeat bottom / 100% 100%; }

/* Limits become a rounded panel like the facts panel, instead of a hard-edged band. */
.limits-wrap { padding: 8px 16px 36px; background: #fff; }
.limits { border-radius: var(--r-xl); padding: 32px 22px 26px; background: radial-gradient(circle at 10% 100%, rgba(0,162,233,.35) 0%, rgba(0,162,233,0) 55%), linear-gradient(165deg, var(--navy-2) 0%, var(--navy) 70%); }

/* Desktop nav: soft shadow instead of a hard rule. */
@media (min-width: 900px) {
  :root { --wave-h: 64px; }
  .nav-desktop { border-bottom: 0; box-shadow: 0 1px 0 rgba(12,33,95,.04), 0 8px 24px rgba(12,33,95,.04); }
  .limits-wrap { padding: 8px 80px 96px; }
  .limits { padding: 64px 64px; }
  .moment.row2 { padding-top: 112px; padding-bottom: 112px; }
}
/* Small laptops and tablets in landscape: stack the facts panel so the six facts keep room. */
@media (min-width: 900px) and (max-width: 1199px) {
  .panel { flex-direction: column; align-items: stretch; gap: 24px; }
  .panel-head { flex-direction: row; width: auto; justify-content: space-between; align-items: center; }
  .panel-card { width: 200px; }
  .hero { gap: 40px; padding: 48px 48px 56px; }
  .hero-copy { width: 46%; }
  h1, [data-version="b"] h1 { font-size: 44px; line-height: 48px; }
  section, .moment.row2, .trustfaq, .final { padding-left: 48px; padding-right: 48px; }
  .facts, .limits-wrap { padding-left: 48px; padding-right: 48px; }
  .row2 > .left { width: 46%; }
  .compare h2.title, .limits .left, .trustfaq .who { width: 34%; }
  .row2, .compare, .limits, .trustfaq { gap: 48px; }
}
/* Mobile: keep the card sticker inside the photo so it never covers the headline. */
@media (max-width: 899px) {
  .hero-photo .sticker { bottom: 30px; right: 16px; width: 150px; height: 95px; padding: 11px 13px; }
  .hero-photo .sticker img { width: 66px; }
}

/* WebP wrappers stay out of the layout */
picture { display: contents; }