/* ==========================================================================
   GoodCap Capital — Membership page family (Neon · Helium · Fincap)
   Phase 3. Each product sets its own theme on <body class="mb mb--neon">.
   ========================================================================== */

.mb {
  --m-c1: #063281; --m-c2: #0280e7; --m-c3: #17a3f3;
  --m-tint: #eef6ff; --m-hero-a: #f1f7ff; --m-hero-b: #ffffff;
  --m-accent: var(--gc-blue);
}
.mb--neon { --m-c1: #063281; --m-c2: #0280e7; --m-c3: #17a3f3; --m-tint: #eef6ff; --m-accent: #0280e7; }

/* ---------- Hero ---------- */
.mb-hero {
  position: relative; overflow: hidden;
  padding: clamp(32px, 5vw, 64px) 0 clamp(64px, 8vw, 104px);
  background: linear-gradient(180deg, var(--m-hero-a) 0%, var(--m-hero-b) 100%);
}
.mb-hero__glow { position: absolute; inset: 0; pointer-events: none; overflow: hidden; }
.mb-hero__glow::before {
  content: ""; position: absolute; width: 640px; height: 640px; right: -160px; top: -180px; border-radius: 50%;
  background: radial-gradient(circle, color-mix(in srgb, var(--m-c3) 45%, transparent), transparent 65%);
  filter: blur(10px); animation: mb-glow 18s ease-in-out infinite;
}
.mb-hero__glow::after {
  content: ""; position: absolute; inset: 0;
  background-image: radial-gradient(rgba(6, 50, 129, 0.08) 1px, transparent 1px); background-size: 26px 26px;
  -webkit-mask-image: radial-gradient(55% 70% at 78% 45%, #000 15%, transparent 70%);
  mask-image: radial-gradient(55% 70% at 78% 45%, #000 15%, transparent 70%);
}
@keyframes mb-glow { 0%, 100% { transform: translate(0, 0); } 50% { transform: translate(-50px, 40px); } }

.mb-hero__grid { position: relative; display: grid; gap: 44px; align-items: center; }
@media (min-width: 1024px) { .mb-hero__grid { grid-template-columns: 1fr 1fr; gap: 48px; } }
.mb-hero__copy .breadcrumb { margin-bottom: 20px; }
.mb-hero h1 { font-size: var(--fs-h1); letter-spacing: -0.034em; margin: 16px 0 18px; }
.mb-hero .lead { max-width: 54ch; }
.mb-hero__facts { display: flex; flex-wrap: wrap; align-items: center; gap: 12px 14px; margin-top: 26px; }
.mb-hero__price { margin-right: 12px; display: grid; grid-template-columns: auto auto; justify-content: start; align-items: end; column-gap: 10px; }
.mb-hero__price b { font-size: 2.2rem; font-weight: 800; color: var(--gc-ink); letter-spacing: -0.03em; line-height: 1; }
.mb-hero__price s { color: var(--gc-muted); font-size: 1.05rem; padding-bottom: 3px; }
.mb-hero__price small { grid-column: 1 / -1; display: block; font-size: 0.8125rem; color: var(--gc-muted); font-weight: 600; margin-bottom: 4px; }
.mb-hero__validity { flex-shrink: 0; white-space: nowrap; display: inline-flex; align-items: center; gap: 10px; padding: 10px 16px 10px 10px; border-radius: 14px; background: #fff; border: 1px solid var(--gc-line-blue); box-shadow: var(--sh-sm); }
.mb-hero__validity > span:first-child { flex-shrink: 0; width: 34px; height: 34px; border-radius: 10px; display: grid; place-items: center; background: var(--m-tint); color: var(--m-accent); }
.mb-hero__validity b { display: block; font-size: 0.95rem; color: var(--gc-ink); line-height: 1.2; }
.mb-hero__validity small { display: block; font-size: 0.75rem; color: var(--gc-muted); }
.mb-hero__ctas { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 30px; }
@media (max-width: 559px) { .mb-hero__ctas .btn { width: 100%; } }

.js .mb-in { opacity: 0; transform: translateY(20px); animation: mb-in .75s var(--ease) forwards; animation-delay: var(--d, 0s); }
@keyframes mb-in { to { opacity: 1; transform: none; } }

/* Card stage */
.mb-stage { position: relative; width: 100%; max-width: 560px; margin-inline: auto; padding: 9% 6% 12%; }
.mb-stage__base {
  position: absolute; inset: 14% 2% 2% 14%; border-radius: 64px 14px 64px 14px;
  background: linear-gradient(150deg, color-mix(in srgb, var(--m-c3) 22%, #fff), color-mix(in srgb, var(--m-c2) 14%, #fff));
  border: 1px solid var(--gc-line-blue);
}
.mb-stage__ring { position: absolute; width: 46%; aspect-ratio: 1; left: -2%; top: 0; border-radius: 50%; border: 2px dashed color-mix(in srgb, var(--m-c2) 35%, transparent); animation: mb-spin 40s linear infinite; }
@keyframes mb-spin { to { transform: rotate(360deg); } }
.mb-stage__card { position: relative; z-index: 2; filter: drop-shadow(0 40px 50px rgba(4, 28, 74, 0.25)); }
.mb-stage__card .mcard { --c1: var(--m-c1); --c2: var(--m-c2); --c3: var(--m-c3); }
.mb-chip {
  position: absolute; z-index: 3; display: inline-flex; align-items: center; gap: 10px;
  padding: 8px 16px 8px 8px; border-radius: 14px; background: #fff; border: var(--border-soft); box-shadow: var(--sh-lg);
  font-size: 0.875rem; font-weight: 700; color: var(--gc-ink); white-space: nowrap;
}
.mb-chip span { width: 34px; height: 34px; border-radius: 11px; display: grid; place-items: center; background: var(--m-tint); color: var(--m-accent); }
.mb-chip .icon { width: 18px; height: 18px; }
.mb-chip--1 { right: 0; top: 0; }
.mb-chip--2 { left: 0; bottom: 6%; }
.mb-chip--3 { right: 4%; bottom: -1%; }
@media (max-width: 559px) {
  .mb-stage { padding: 12% 2% 16%; }
  .mb-chip { font-size: 0.8125rem; padding: 6px 12px 6px 6px; }
  .mb-chip span { width: 30px; height: 30px; }
  .mb-chip--3 { display: none; }
  .mb-chip--2 { bottom: 2%; }
}

/* ---------- Info strip position ---------- */
.mb-strip { position: relative; z-index: 3; margin-top: -40px; }

/* ---------- Benefits ---------- */
.mb-benefits__grid { display: grid; gap: 20px; }
@media (min-width: 768px) { .mb-benefits__grid { grid-template-columns: 1fr 1fr; } }
@media (min-width: 1100px) { .mb-benefits__grid { grid-template-columns: 1.15fr 1fr 1fr; gap: 22px; } .mb-benefit--hero { grid-row: span 2; } }
.mb-benefit--hero {
  display: flex; flex-direction: column; color: #fff; border: 0; border-radius: var(--r-leaf);
  background: linear-gradient(155deg, var(--m-c1) 0%, color-mix(in srgb, var(--m-c1) 55%, var(--m-c2)) 55%, var(--m-c2) 100%);
  position: relative; overflow: hidden; isolation: isolate;
}
.mb-benefit--hero h3 { color: #fff; font-size: clamp(1.4rem, 2.2vw, 1.8rem); }
.mb-benefit--hero p { color: rgba(255, 255, 255, 0.84); font-size: 1.0125rem; }
.mb-benefit--hero .feature__icon { background: rgba(255, 255, 255, 0.14); color: #fff; }
.mb-benefit--hero ol { list-style: none; padding: 0; margin: auto 0 0; display: grid; gap: 10px; padding-top: 26px; counter-reset: s; }
.mb-benefit--hero ol li { display: flex; gap: 12px; align-items: center; font-size: 0.9375rem; font-weight: 600; color: #fff; counter-increment: s; }
.mb-benefit--hero ol li::before { content: counter(s); width: 28px; height: 28px; border-radius: 9px; flex-shrink: 0; display: grid; place-items: center; background: rgba(255, 255, 255, 0.16); font-size: 0.8125rem; font-weight: 800; }
.mb-benefit--hero::after { content: ""; position: absolute; z-index: -1; width: 70%; aspect-ratio: 1; right: -24%; top: -18%; border-radius: 50% 50% 50% 10%; border: 36px solid rgba(255, 255, 255, 0.06); }
.mb-benefit__tag { display: inline-flex; align-self: flex-start; margin-top: 14px; padding: 4px 10px; border-radius: 99px; font-size: 0.75rem; font-weight: 700; background: var(--gc-mist); color: var(--gc-muted); }
.mb-benefit__tag a { text-decoration: underline; text-underline-offset: 2px; }

/* ---------- How it works ---------- */
.mb-how__grid { display: grid; gap: 40px; align-items: start; }
@media (min-width: 1024px) { .mb-how__grid { grid-template-columns: 0.85fr 1.15fr; gap: 80px; } .mb-how__intro { position: sticky; top: calc(var(--header-h) + 32px); } }
.mb-how__intro h2 { font-size: var(--fs-h2); }
.mb-how__intro > p { color: var(--gc-muted); margin-top: 14px; max-width: 46ch; }
.mb-how__intro .disclosure { margin-top: 26px; max-width: 480px; }
.mb-how__intro .btn { margin-top: 26px; }
.mb-how .timeline__step { padding-bottom: 34px; }
.mb-how .timeline__body { background: #fff; border: 1px solid var(--gc-line); border-radius: 18px; padding: 18px 20px; margin-top: -2px; transition: border-color .4s, box-shadow .4s; }
.mb-how .timeline__step.is-reached .timeline__body { border-color: var(--gc-line-blue); box-shadow: var(--sh-sm); }
.mb-how .timeline__body p { font-size: 0.95rem; }
.mb-how .timeline__note { display: inline-flex; align-items: center; gap: 6px; margin-top: 10px; font-size: 0.8125rem; font-weight: 700; color: var(--gc-royal); background: var(--m-tint); padding: 5px 10px; border-radius: 8px; }
.mb-how .timeline__note .icon { width: 15px; height: 15px; }

/* ---------- Pricing ---------- */
.mb-price__grid { display: grid; gap: 40px; align-items: center; }
@media (min-width: 1024px) { .mb-price__grid { grid-template-columns: 1fr 0.9fr; gap: 72px; } }
.mb-price__copy h2 { font-size: var(--fs-h2); max-width: 16ch; }
.mb-price__copy > p { color: var(--gc-muted); margin-top: 14px; max-width: 52ch; }
.mb-price__copy .disclosure { margin-top: 24px; max-width: 540px; }
.mb-price__mini { display: grid; grid-template-columns: repeat(2, 1fr); gap: 12px; margin-top: 28px; max-width: 520px; }
.mb-price__mini li { display: flex; gap: 10px; align-items: center; padding: 14px; border-radius: 14px; background: #fff; border: 1px solid var(--gc-line); font-size: 0.875rem; font-weight: 700; color: var(--gc-navy); line-height: 1.35; }
.mb-price__mini .icon { width: 20px; height: 20px; color: var(--m-accent); }
@media (max-width: 419px) { .mb-price__mini { grid-template-columns: 1fr; } }
.price-card .mcard { max-width: 220px; margin-bottom: 4px; }

/* ---------- FAQ preview ---------- */
.mb-faq__grid { display: grid; gap: 36px; align-items: start; }
@media (min-width: 1024px) { .mb-faq__grid { grid-template-columns: 0.7fr 1.3fr; gap: 72px; } .mb-faq__intro { position: sticky; top: calc(var(--header-h) + 32px); } }
.mb-faq__intro h2 { font-size: var(--fs-h2); }
.mb-faq__intro > p { color: var(--gc-muted); margin-top: 14px; }
.mb-faq__intro .btn { margin-top: 24px; }

/* ---------- Final CTA ---------- */
.mb-final { padding-bottom: var(--section-y); }
.mb-final__panel {
  position: relative; overflow: hidden; isolation: isolate;
  display: grid; gap: 36px; align-items: center; color: #fff;
  padding: clamp(32px, 5vw, 64px); border-radius: 48px 12px 48px 12px;
  background: var(--gc-gradient);
}
.mb-final__panel::before { content: ""; position: absolute; z-index: -1; inset: 0; background: radial-gradient(60% 90% at 0% 100%, rgba(4, 28, 74, 0.55), transparent 70%); }
@media (min-width: 900px) { .mb-final__panel { grid-template-columns: 1.15fr 0.85fr; gap: 56px; } }
.mb-final h2 { color: #fff; font-size: var(--fs-h2); max-width: 17ch; }
.mb-final p { color: rgba(255, 255, 255, 0.85); margin-top: 14px; max-width: 50ch; }
.mb-final__ctas { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 28px; }
@media (max-width: 559px) { .mb-final__ctas .btn { width: 100%; } }
.mb-final__art { position: relative; max-width: 380px; width: 100%; justify-self: center; }
.mb-final__art .mcard { transform: rotate(-8deg); box-shadow: 0 40px 70px -20px rgba(0, 0, 0, 0.45), inset 0 0 0 1px rgba(255, 255, 255, 0.25); }
.mb-final__art .mcard--back { position: absolute; inset: 0; transform: rotate(4deg) translate(18px, -14px); opacity: .35; filter: blur(1px); }
@media (max-width: 899px) { .mb-final__art { max-width: 300px; } }

@media (prefers-reduced-motion: reduce) {
  .js .mb-in { opacity: 1; transform: none; animation: none; }
  .mb-hero__glow::before, .mb-stage__ring { animation: none !important; }
}

/* ==========================================================================
   Helium — insurance consultancy (Phase 4)
   Navy + light cyan identity: airy sky hero, orbiting cover icons,
   insurance-type grid and a horizontal price band.
   ========================================================================== */
.mb--helium {
  --m-c1: #04469f; --m-c2: #17a3f3; --m-c3: #7fd3ff;
  --m-tint: #e7f7ff; --m-accent: #0284c7;
  --m-hero-a: #e6f6ff; --m-hero-b: #ffffff;
}
.mb--helium .badge__dot { background: var(--m-tint); color: var(--m-accent); }
.mb--helium .kicker { color: var(--m-accent); }
.mb--helium .kicker::before { background: linear-gradient(90deg, #17a3f3, #7fd3ff); }
.mb--helium .breadcrumb a { color: var(--m-accent); }
.mb--helium .feature__icon { background: var(--m-tint); color: var(--m-accent); }
.mb--helium .faq__icon { background: var(--m-tint); }
.mb--helium .faq__icon::before, .mb--helium .faq__icon::after { background: var(--m-accent); }
.mb--helium .faq__item.is-open .faq__icon { background: var(--m-accent); }
.mb--helium .timeline__step.is-reached .timeline__num { background: var(--m-accent); border-color: var(--m-accent); box-shadow: 0 8px 20px rgba(2, 132, 199, 0.3); }
.mb--helium .timeline__num { color: var(--m-accent); }

/* Sky hero: soft cloud bands instead of Neon's dot grid */
.mb--helium .mb-hero__glow::after {
  background-image: none;
  background:
    radial-gradient(40% 30% at 15% 85%, rgba(255, 255, 255, 0.9), transparent 70%),
    radial-gradient(35% 25% at 85% 90%, rgba(255, 255, 255, 0.9), transparent 70%);
  -webkit-mask-image: none; mask-image: none;
}
.mb--helium .mb-hero__glow::before { background: radial-gradient(circle, rgba(127, 211, 255, 0.55), transparent 65%); }

/* Orbit stage */
.hl-orbit { position: relative; width: 100%; max-width: 540px; margin-inline: auto; aspect-ratio: 1 / 0.9; }
.hl-orbit__ring { position: absolute; left: 50%; top: 50%; border-radius: 50%; transform: translate(-50%, -50%); border: 1.5px solid rgba(2, 132, 199, 0.16); }
.hl-orbit__ring--1 { width: 96%; aspect-ratio: 1; }
.hl-orbit__ring--2 { width: 70%; aspect-ratio: 1; border-style: dashed; border-color: rgba(2, 132, 199, 0.24); }
.hl-orbit__card { position: absolute; inset: 0; z-index: 2; display: grid; place-items: center; filter: drop-shadow(0 34px 44px rgba(4, 70, 159, 0.28)); }
.hl-orbit__card .mcard { width: 70%; transform: perspective(900px) rotateX(var(--tilt-x, 0deg)) rotateY(var(--tilt-y, 0deg)) rotate(-6deg); }
.hl-bubble {
  position: absolute; z-index: 3; width: 64px; height: 64px; border-radius: 50%;
  display: grid; place-items: center; background: #fff; color: var(--m-accent);
  border: 1px solid #cdeefe; box-shadow: 0 14px 30px rgba(4, 70, 159, 0.14);
}
.hl-bubble .icon { width: 26px; height: 26px; }
.hl-bubble span { position: absolute; top: calc(100% + 6px); left: 50%; transform: translateX(-50%); font-size: 0.75rem; font-weight: 700; color: var(--gc-navy); white-space: nowrap; }
.hl-bubble--1 { left: 6%; top: 6%; }
.hl-bubble--2 { right: 4%; top: 12%; }
.hl-bubble--3 { left: 2%; bottom: 14%; }
.hl-bubble--4 { right: 8%; bottom: 4%; }
.hl-orbit__chip {
  position: absolute; z-index: 4; left: 50%; bottom: -2%; transform: translateX(-50%);
  display: inline-flex; align-items: center; gap: 10px; padding: 8px 16px 8px 8px; border-radius: 14px;
  background: var(--gc-navy); color: #fff; font-size: 0.875rem; font-weight: 700; white-space: nowrap; box-shadow: var(--sh-lg);
}
.hl-orbit__chip span { width: 32px; height: 32px; border-radius: 10px; display: grid; place-items: center; background: rgba(255, 255, 255, 0.14); color: #7fd3ff; }
.hl-orbit__chip .icon { width: 18px; height: 18px; }
@media (max-width: 559px) {
  .hl-bubble { width: 50px; height: 50px; }
  .hl-bubble .icon { width: 21px; height: 21px; }
  .hl-bubble span { display: none; }
  .hl-bubble--1 { left: 4%; top: 4%; }
  .hl-bubble--2 { right: 2%; top: 8%; }
  .hl-bubble--3 { left: 0; bottom: 24%; }
  .hl-bubble--4 { right: 0; bottom: 20%; }
  .hl-orbit__chip { bottom: -4%; }
  .hl-orbit__card .mcard { width: 76%; }
  .hl-orbit__chip { font-size: 0.8125rem; }
}

/* Benefits — highlight left, 2×2 right */
.hl-benefits__grid { display: grid; gap: 20px; }
@media (min-width: 1024px) { .hl-benefits__grid { grid-template-columns: 1fr 1fr; gap: 22px; } }
.hl-highlight {
  position: relative; overflow: hidden; isolation: isolate; color: #fff;
  padding: clamp(28px, 4vw, 44px); border-radius: 10px 44px 10px 44px;
  background: linear-gradient(160deg, #041c4a 0%, #04469f 55%, #0284c7 100%);
}
.hl-highlight::after { content: ""; position: absolute; z-index: -1; width: 320px; height: 320px; right: -90px; bottom: -110px; border-radius: 50%; background: radial-gradient(circle, rgba(127, 211, 255, 0.35), transparent 65%); }
.hl-highlight .feature__icon { background: rgba(255, 255, 255, 0.14); color: #7fd3ff; }
.hl-highlight h3 { color: #fff; font-size: clamp(1.4rem, 2.2vw, 1.85rem); max-width: 18ch; }
.hl-highlight > p { color: rgba(255, 255, 255, 0.84); margin-top: 12px; max-width: 46ch; }
.hl-highlight .checklist { margin-top: 26px; padding-top: 22px; border-top: 1px solid rgba(255, 255, 255, 0.16); }
.hl-highlight .checklist li { color: #fff; font-size: 0.975rem; }
.hl-highlight .checklist .icon { background: rgba(127, 211, 255, 0.2); color: #7fd3ff; }
.hl-mini { display: grid; gap: 16px; }
@media (min-width: 560px) { .hl-mini { grid-template-columns: 1fr 1fr; } }
.hl-mini .feature { padding: 24px; }
.hl-mini .feature__icon { width: 50px; height: 50px; margin-bottom: 18px; }
.hl-mini .feature h3 { font-size: 1.125rem; }

/* Insurance types grid */
.hl-types__grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 14px; }
@media (min-width: 640px) { .hl-types__grid { grid-template-columns: repeat(4, 1fr); } }
@media (min-width: 1100px) { .hl-types__grid { grid-template-columns: repeat(7, 1fr); } }
.hl-type {
  display: flex; flex-direction: column; align-items: center; gap: 12px; text-align: center;
  padding: 22px 12px; border-radius: 22px; background: #fff; border: 1px solid var(--gc-line);
  font-weight: 700; color: var(--gc-ink); font-size: 0.9375rem; line-height: 1.3;
  transition: transform .3s var(--ease), border-color .3s, box-shadow .3s;
}
.hl-type:hover { transform: translateY(-4px); border-color: #b6e5fb; box-shadow: var(--sh-md); }
.hl-type span { width: 56px; height: 56px; border-radius: 50%; display: grid; place-items: center; background: var(--m-tint); color: var(--m-accent); transition: background-color .3s, color .3s; }
.hl-type:hover span { background: var(--m-accent); color: #fff; }
.hl-type .icon { width: 26px; height: 26px; }
.hl-types__cats { display: flex; flex-wrap: wrap; align-items: center; gap: 10px; margin-top: 28px; padding: 18px 20px; border-radius: 18px; background: #fff; border: 1px dashed #b6e5fb; }
.hl-types__cats b { color: var(--gc-ink); font-size: 0.9375rem; margin-right: 6px; }
.hl-types__cats .pill { background: var(--m-tint); color: #075985; }

/* How it works (horizontal, 5 steps) */
.hl-how .timeline { margin-top: 8px; }

/* Price band */
.hl-band { padding-bottom: var(--section-y); }
.hl-band__panel {
  position: relative; overflow: hidden; isolation: isolate;
  display: grid; gap: 28px; align-items: center;
  padding: clamp(28px, 4vw, 48px); border-radius: 44px 10px 44px 10px;
  background: linear-gradient(120deg, #041c4a 0%, #04469f 50%, #0284c7 100%); color: #fff;
}
.hl-band__panel::before { content: ""; position: absolute; z-index: -1; inset: 0; background: radial-gradient(50% 120% at 100% 0%, rgba(127, 211, 255, 0.35), transparent 60%); }
@media (min-width: 1024px) { .hl-band__panel { grid-template-columns: 260px 1fr auto; gap: 44px; } }
.hl-band__art { max-width: 260px; width: 100%; }
.hl-band__art .mcard { transform: rotate(-6deg); }
@media (max-width: 1023px) { .hl-band__art { max-width: 220px; } }
.hl-band h2 { color: #fff; font-size: clamp(1.6rem, 2.6vw, 2.2rem); }
.hl-band__copy > p { color: rgba(255, 255, 255, 0.82); margin-top: 10px; max-width: 52ch; }
.hl-band__meta { display: flex; flex-wrap: wrap; gap: 8px 20px; margin-top: 16px; font-size: 0.875rem; color: rgba(255, 255, 255, 0.78); }
.hl-band__meta a { color: #fff; font-weight: 700; text-decoration: underline; text-underline-offset: 3px; }
.hl-band__buy { display: grid; gap: 14px; justify-items: start; }
@media (min-width: 1024px) { .hl-band__buy { justify-items: end; text-align: right; } }
.hl-band__price { display: flex; align-items: baseline; gap: 10px; }
.hl-band__price b { font-size: clamp(2.4rem, 4vw, 3rem); font-weight: 800; letter-spacing: -0.03em; line-height: 1; }
.hl-band__price s { color: rgba(255, 255, 255, 0.65); }
.hl-band__validity { font-size: 0.875rem; font-weight: 700; color: #7fd3ff; }
@media (max-width: 559px) { .hl-band__buy, .hl-band__buy .btn { width: 100%; } }
.hl-band .disclosure { margin-top: 18px; background: rgba(255, 255, 255, 0.08); border-color: rgba(255, 255, 255, 0.18); color: rgba(255, 255, 255, 0.86); }
.hl-band .disclosure .icon { color: #7fd3ff; }

/* ==========================================================================
   Fincap — financial consultancy (Phase 5)
   Deep navy + electric blue: dark hero, benefit spotlight tabs, referral band,
   service cards, step grid, comparison table.
   ========================================================================== */
.mb--fincap {
  --m-c1: #041c4a; --m-c2: #063281; --m-c3: #0280e7;
  --m-tint: #eaf3ff; --m-accent: #0280e7; --m-electric: #3fb4ff;
}

/* Dark hero */
.mb--fincap .mb-hero { background: #031538; color: #fff; padding-bottom: clamp(88px, 10vw, 128px); }
.mb--fincap .mb-hero__glow::before { background: radial-gradient(circle, rgba(2, 128, 231, 0.55), transparent 62%); }
.mb--fincap .mb-hero__glow::after {
  background-image:
    linear-gradient(rgba(63, 180, 255, 0.08) 1px, transparent 1px),
    linear-gradient(90deg, rgba(63, 180, 255, 0.08) 1px, transparent 1px);
  background-size: 48px 48px;
  -webkit-mask-image: radial-gradient(60% 80% at 75% 40%, #000 10%, transparent 72%);
  mask-image: radial-gradient(60% 80% at 75% 40%, #000 10%, transparent 72%);
}
.mb--fincap .mb-hero h1 { color: #fff; }
.mb--fincap .mb-hero .lead { color: rgba(255, 255, 255, 0.78); }
.mb--fincap .mb-hero .breadcrumb li { color: rgba(255, 255, 255, 0.6); }
.mb--fincap .mb-hero .breadcrumb a { color: var(--m-electric); }
.mb--fincap .mb-hero .breadcrumb [aria-current] { color: #fff; }
.mb--fincap .mb-hero .badge { background: rgba(255, 255, 255, 0.08); border-color: rgba(255, 255, 255, 0.16); color: #fff; box-shadow: none; }
.mb--fincap .mb-hero .badge__dot { background: rgba(63, 180, 255, 0.18); color: var(--m-electric); }
.mb--fincap .mb-hero__validity { background: rgba(255, 255, 255, 0.06); border-color: rgba(255, 255, 255, 0.14); box-shadow: none; }
.mb--fincap .mb-hero__validity > span:first-child { background: rgba(63, 180, 255, 0.16); color: var(--m-electric); }
.mb--fincap .mb-hero__validity b { color: #fff; }
.mb--fincap .mb-hero__validity small { color: rgba(255, 255, 255, 0.6); }
.mb--fincap .mb-hero .btn-secondary { background: transparent; color: #fff; border-color: rgba(255, 255, 255, 0.3); }
.mb--fincap .mb-hero .btn-secondary:hover { border-color: #fff; background: rgba(255, 255, 255, 0.06); color: #fff; }
.mb--fincap .mb-hero :focus-visible { outline-color: var(--m-electric); }

.fc-stage { position: relative; width: 100%; max-width: 540px; margin-inline: auto; padding: 10% 4% 14%; }
.fc-stage__beam {
  position: absolute; inset: 18% 8% 6% 8%; border-radius: 50%;
  background: radial-gradient(closest-side, rgba(2, 128, 231, 0.55), transparent);
  filter: blur(30px); animation: fc-pulse 6s ease-in-out infinite;
}
@keyframes fc-pulse { 0%, 100% { opacity: .7; transform: scale(1); } 50% { opacity: 1; transform: scale(1.06); } }
.fc-stage__frame { position: absolute; inset: 4% 0 2% 12%; border-radius: 64px 14px 64px 14px; border: 1px solid rgba(63, 180, 255, 0.25); background: linear-gradient(160deg, rgba(255, 255, 255, 0.05), rgba(255, 255, 255, 0)); }
.fc-stage__card { position: relative; z-index: 2; }
.fc-stage__card .mcard { box-shadow: 0 40px 80px -24px rgba(0, 0, 0, 0.6), 0 0 0 1px rgba(63, 180, 255, 0.35), 0 0 60px -10px rgba(2, 128, 231, 0.6); }
.fc-chip {
  position: absolute; z-index: 3; display: inline-flex; align-items: center; gap: 10px;
  padding: 8px 16px 8px 8px; border-radius: 14px; white-space: nowrap;
  background: rgba(8, 30, 74, 0.86); border: 1px solid rgba(63, 180, 255, 0.28); color: #fff;
  -webkit-backdrop-filter: blur(10px); backdrop-filter: blur(10px);
  font-size: 0.875rem; font-weight: 700; box-shadow: 0 20px 40px -10px rgba(0, 0, 0, 0.5);
}
.fc-chip span { width: 34px; height: 34px; border-radius: 11px; display: grid; place-items: center; background: rgba(63, 180, 255, 0.16); color: var(--m-electric); }
.fc-chip .icon { width: 18px; height: 18px; }
.fc-chip--1 { right: 0; top: 0; }
.fc-chip--2 { left: 0; bottom: 4%; }
@media (max-width: 559px) {
  .fc-chip { font-size: 0.8125rem; padding: 6px 12px 6px 6px; }
  .fc-chip span { width: 30px; height: 30px; }
}
.mb--fincap .mb-strip { margin-top: -56px; }

/* Benefit spotlight (tabs) */
.fc-spot { display: grid; gap: 20px; }
@media (min-width: 1024px) { .fc-spot { grid-template-columns: 0.9fr 1.1fr; gap: 28px; align-items: stretch; } }
.fc-spot__list { display: grid; gap: 8px; align-content: start; }
@media (max-width: 1023px) {
  .fc-spot__list { grid-auto-flow: column; grid-auto-columns: max-content; overflow-x: auto; padding: 4px 4px 10px; margin: -4px -4px 0; scroll-snap-type: x mandatory; scrollbar-width: thin; }
  .fc-tab { scroll-snap-align: start; }
}
.fc-tab {
  display: flex; align-items: center; gap: 14px; width: 100%; min-height: 64px; padding: 12px 18px 12px 12px;
  border-radius: 18px; border: 1px solid var(--gc-line); background: #fff; text-align: left;
  font-weight: 700; color: var(--gc-ink); font-size: 1rem; line-height: 1.3;
  transition: border-color .25s, background-color .25s, box-shadow .25s, color .25s;
}
.fc-tab:hover { border-color: var(--gc-line-blue); }
.fc-tab__icon { width: 42px; height: 42px; border-radius: 13px; flex-shrink: 0; display: grid; place-items: center; background: var(--gc-mist); color: var(--m-accent); transition: background-color .25s, color .25s; }
.fc-tab__icon .icon { width: 20px; height: 20px; }
.fc-tab__arrow { margin-left: auto; width: 18px; height: 18px; color: var(--gc-muted); opacity: 0; transform: translateX(-4px); transition: opacity .25s, transform .25s; }
.fc-tab[aria-selected="true"] { border-color: transparent; background: #041c4a; color: #fff; box-shadow: var(--sh-md); }
.fc-tab[aria-selected="true"] .fc-tab__icon { background: rgba(63, 180, 255, 0.16); color: var(--m-electric); }
.fc-tab[aria-selected="true"] .fc-tab__arrow { opacity: 1; transform: none; color: var(--m-electric); }
@media (max-width: 1023px) { .fc-tab { min-height: 52px; padding: 8px 16px 8px 8px; font-size: 0.9375rem; } .fc-tab__icon { width: 36px; height: 36px; } .fc-tab__arrow { display: none; } }

.fc-panel {
  position: relative; overflow: hidden; isolation: isolate;
  padding: clamp(28px, 4vw, 48px); border-radius: 48px 12px 48px 12px; min-height: 100%;
  background: linear-gradient(160deg, #ffffff, #f2f8ff); border: 1px solid var(--gc-line-blue); box-shadow: var(--sh-md);
}
.fc-panel[hidden] { display: none; }
.fc-panel.is-active { animation: fc-panel-in .45s var(--ease); }
@keyframes fc-panel-in { from { opacity: 0; transform: translateY(10px); } to { opacity: 1; transform: none; } }
.fc-panel__big { display: block; font-size: clamp(3rem, 7vw, 5rem); font-weight: 800; letter-spacing: -0.04em; line-height: 1; color: var(--gc-navy); margin-bottom: 14px; }
.fc-panel__big small { font-size: 0.35em; letter-spacing: 0; color: var(--gc-muted); font-weight: 700; margin-left: 6px; }
.fc-panel__icon { width: 64px; height: 64px; border-radius: 20px 6px 20px 6px; display: grid; place-items: center; margin-bottom: 22px; background: #041c4a; color: var(--m-electric); }
.fc-panel__icon .icon { width: 30px; height: 30px; }
.fc-panel h3 { font-size: clamp(1.4rem, 2.4vw, 1.9rem); max-width: 22ch; }
.fc-panel > p { color: var(--gc-text); margin-top: 12px; max-width: 54ch; }
.fc-panel .checklist { margin-top: 22px; }
.fc-panel .disclosure { margin-top: 22px; }
.fc-panel__link { margin-top: 18px; }
.fc-panel::after { content: ""; position: absolute; z-index: -1; width: 260px; height: 260px; right: -70px; bottom: -90px; border-radius: 50% 50% 50% 10%; border: 30px solid rgba(2, 128, 231, 0.06); }

/* Referral band */
.fc-ref__panel {
  position: relative; overflow: hidden; isolation: isolate; display: grid; gap: 28px; align-items: center;
  padding: clamp(28px, 5vw, 56px); border-radius: 12px 48px 12px 48px; color: #fff;
  background: radial-gradient(70% 120% at 0% 0%, rgba(2, 128, 231, 0.45), transparent 60%), #041c4a;
}
@media (min-width: 900px) { .fc-ref__panel { grid-template-columns: auto 1fr auto; gap: 48px; } }
.fc-ref__num { font-size: clamp(4rem, 10vw, 7rem); font-weight: 800; letter-spacing: -0.05em; line-height: .9; background: linear-gradient(180deg, #ffffff, #3fb4ff); -webkit-background-clip: text; background-clip: text; color: transparent; }
.fc-ref__num small { display: block; font-size: 0.9rem; letter-spacing: 0; -webkit-text-fill-color: rgba(255, 255, 255, 0.7); color: rgba(255, 255, 255, 0.7); font-weight: 700; margin-bottom: 8px; }
.fc-ref h2 { color: #fff; font-size: clamp(1.6rem, 2.6vw, 2.2rem); max-width: 20ch; }
.fc-ref p { color: rgba(255, 255, 255, 0.8); margin-top: 10px; max-width: 54ch; }
.fc-ref__terms { display: inline-flex; align-items: center; gap: 8px; margin-top: 14px; font-size: 0.875rem; font-weight: 700; color: var(--m-electric); }
.fc-ref__terms a { color: #fff; text-decoration: underline; text-underline-offset: 3px; }
@media (max-width: 559px) { .fc-ref__panel .btn { width: 100%; } }

/* Financial services */
.fc-services__grid { display: grid; gap: 18px; }
@media (min-width: 900px) { .fc-services__grid { grid-template-columns: repeat(3, 1fr); gap: 22px; } }
.fc-service { display: flex; flex-direction: column; }
.fc-service > p { flex: 1; }
.fc-service .link-arrow { margin-top: 14px; }
.fc-service__note { margin-top: 14px; font-size: 0.875rem; font-weight: 700; color: var(--gc-muted); }

/* Step grid */
.fc-steps { display: grid; gap: 16px; list-style: none; margin: 0; padding: 0; counter-reset: fc; }
@media (min-width: 700px) { .fc-steps { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1100px) { .fc-steps { grid-template-columns: repeat(3, 1fr); gap: 20px; } }
.fc-step {
  position: relative; padding: 26px; border-radius: 22px; background: #fff; border: 1px solid var(--gc-line);
  counter-increment: fc; transition: border-color .3s, box-shadow .3s, transform .3s var(--ease);
}
.fc-step:hover { border-color: var(--gc-line-blue); box-shadow: var(--sh-md); transform: translateY(-3px); }
.fc-step::before {
  content: counter(fc, decimal-leading-zero); display: inline-grid; place-items: center;
  width: 48px; height: 48px; margin-bottom: 18px; border-radius: 15px 4px 15px 4px;
  background: #041c4a; color: var(--m-electric); font-weight: 800; font-size: 0.9375rem;
}
.fc-step h3 { font-size: 1.125rem; }
.fc-step p { color: var(--gc-muted); font-size: 0.95rem; margin-top: 6px; line-height: 1.6; }
.fc-step--final { background: linear-gradient(160deg, #041c4a, #063281); border-color: transparent; }
.fc-step--final h3 { color: #fff; }
.fc-step--final p { color: rgba(255, 255, 255, 0.78); }
.fc-step--final::before { background: rgba(63, 180, 255, 0.16); }
.fc-steps__note { margin-top: 22px; }

/* Comparison */
.fc-compare { overflow-x: auto; border-radius: 24px; border: 1px solid var(--gc-line); background: #fff; box-shadow: var(--sh-sm); }
.fc-compare table { width: 100%; min-width: 560px; border-collapse: collapse; }
.fc-compare th, .fc-compare td { padding: 18px 22px; text-align: left; vertical-align: top; border-bottom: 1px solid var(--gc-line); font-size: 0.95rem; line-height: 1.55; }
.fc-compare tr:last-child th, .fc-compare tr:last-child td { border-bottom: 0; }
.fc-compare thead th { font-size: 0.875rem; font-weight: 800; color: var(--gc-muted); background: var(--gc-mist); }
.fc-compare thead th:last-child { color: #fff; background: #041c4a; }
.fc-compare tbody th { font-weight: 700; color: var(--gc-ink); width: 30%; }
.fc-compare td { color: var(--gc-muted); }
.fc-compare td:last-child { color: var(--gc-ink); font-weight: 600; background: #f6faff; }
.fc-compare td:last-child .icon { display: inline-block; vertical-align: -4px; width: 18px; height: 18px; margin-right: 6px; color: var(--gc-success); }

/* Final CTA (dark) */
.mb--fincap .mb-final__panel { background: radial-gradient(70% 120% at 100% 100%, rgba(2, 128, 231, 0.5), transparent 60%), #041c4a; }
.mb--fincap .mb-final__panel::before { display: none; }
.fc-final__price { display: inline-flex; align-items: center; gap: 10px; margin-top: 18px; padding: 10px 16px; border-radius: 14px; background: rgba(255, 255, 255, 0.07); border: 1px solid rgba(255, 255, 255, 0.14); font-size: 0.9375rem; font-weight: 700; }
.fc-final__price .icon { width: 18px; height: 18px; color: var(--m-electric); }

@media (prefers-reduced-motion: reduce) {
  .fc-stage__beam { animation: none !important; }
  .fc-panel.is-active { animation: none; }
}

/* Comparison → stacked cards on small screens */
@media (max-width: 699px) {
  .fc-compare { overflow: visible; border: 0; background: none; box-shadow: none; }
  .fc-compare table, .fc-compare tbody, .fc-compare tr, .fc-compare th, .fc-compare td { display: block; width: 100%; min-width: 0; }
  .fc-compare thead { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); }
  .fc-compare tbody { display: grid; gap: 12px; }
  .fc-compare tr { background: #fff; border: 1px solid var(--gc-line); border-radius: 18px; overflow: hidden; }
  .fc-compare tbody th { width: 100%; padding: 14px 18px 10px; border-bottom: 0; font-size: 1rem; }
  .fc-compare td { padding: 10px 18px; border-bottom: 0; }
  .fc-compare td::before { content: attr(data-label); display: block; font-size: 0.75rem; font-weight: 700; color: var(--gc-muted); margin-bottom: 2px; }
  .fc-compare td:last-child { padding-bottom: 14px; border-top: 1px solid var(--gc-line-blue); }
}