/* ---------- WOW layer ---------- */
/* hero globe */
#globe{position:absolute;z-index:-1;right:-150px;top:70px;width:900px;height:900px;opacity:0;transition:opacity 1.6s ease;pointer-events:none}
#globe.on{opacity:1}
.hero .photo{opacity:.16!important}
.hero .dash{z-index:2}
.hero .panel{background:linear-gradient(180deg,rgba(22,22,26,.62),rgba(12,12,14,.55));backdrop-filter:blur(6px) saturate(1.3);-webkit-backdrop-filter:blur(6px) saturate(1.3)}
.ph h4 .dest{font-weight:500;color:rgba(255,255,255,.5);font-size:.82rem;margin-left:6px}
.ph h4 .dest b{color:var(--y);font-weight:600}
.track div{transition:opacity .45s,transform .45s}
.track div.pend{opacity:.28}
.track div.pend i{background:rgba(255,255,255,.06)!important;color:rgba(255,255,255,.3)!important}
.track div.pop i{animation:pop .55s cubic-bezier(.3,1.6,.5,1)}
@keyframes pop{0%{transform:scale(.4)}100%{transform:scale(1)}}
.hero h1 .y{background-size:200% 100%;animation:sheen 6s linear infinite}
@keyframes sheen{0%{background-position:0 0}100%{background-position:-200% 0}}

/* how-it-works line draws on scroll */
.steps:before{transform-origin:left;transform:scaleX(0);transition:transform 1.8s cubic-bezier(.65,0,.35,1)}
.steps.go:before{transform:scaleX(1)}
.steps .step .n{transition:background .4s,color .4s,border-color .4s,box-shadow .4s}
.steps.go .step:nth-child(2) .n{transition-delay:.7s;border-color:var(--y);box-shadow:0 0 0 6px rgba(247,197,26,.08)}
.steps.go .step:nth-child(3) .n{transition-delay:1.4s;border-color:var(--y);box-shadow:0 0 0 6px rgba(247,197,26,.08)}

/* spotlight on cards */
.spot{position:relative;isolation:isolate}
.spot:after{content:"";position:absolute;inset:0;border-radius:inherit;pointer-events:none;opacity:0;transition:opacity .3s;z-index:-1;
  background:radial-gradient(380px circle at var(--mx,50%) var(--my,50%),rgba(247,197,26,.13),transparent 60%)}
.spot:hover:after{opacity:1}

/* exposure calculator */
.calc{background:var(--soft)}
.calc .cgrid{display:grid;grid-template-columns:1fr 1.05fr;gap:28px;align-items:stretch}
.calc .inputs{background:var(--card);border:1px solid var(--edge);border-radius:28px;padding:36px;box-shadow:var(--shadow);display:flex;flex-direction:column;gap:30px}
.calc label{display:block;font-weight:600;font-size:.98rem;margin-bottom:6px}
.calc .val{font-family:"Inter Tight";font-weight:800;font-size:1.9rem;letter-spacing:-.03em;margin-bottom:12px}
.calc .hint{font-size:.84rem;color:var(--muted);margin-top:8px}
.calc input[type=range]{-webkit-appearance:none;appearance:none;width:100%;height:8px;border-radius:99px;background:linear-gradient(90deg,var(--y),#FFE27A);outline:none;cursor:pointer}
.calc input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:28px;height:28px;border-radius:50%;background:#111;border:4px solid var(--y);box-shadow:0 4px 14px rgba(0,0,0,.25);transition:transform .15s}
.calc input[type=range]::-webkit-slider-thumb:hover{transform:scale(1.12)}
.calc input[type=range]::-moz-range-thumb{width:22px;height:22px;border-radius:50%;background:#111;border:4px solid var(--y)}
.cpills{display:flex;gap:8px;flex-wrap:wrap}
.cpill{font:inherit;font-size:.88rem;font-weight:600;border:1px solid var(--edge);background:#fff;border-radius:999px;padding:9px 16px;cursor:pointer;transition:all .2s}
.cpill:hover{border-color:#111}
.cpill.on{background:#111;color:#fff;border-color:#111}
.calc-card{background:var(--ink);color:#fff;border-radius:28px;padding:36px;display:flex;flex-direction:column;overflow:hidden;box-shadow:0 40px 80px -40px rgba(0,0,0,.6)}
.calc-card small{font-size:.78rem;letter-spacing:.16em;text-transform:uppercase;color:rgba(255,255,255,.5);font-weight:600}
.calc-card .big{font-family:"Inter Tight";font-weight:800;font-size:clamp(2.8rem,5.4vw,4.4rem);letter-spacing:-.045em;line-height:1;margin:10px 0 6px;color:var(--y);font-variant-numeric:tabular-nums}
.calc-card .sub{color:rgba(255,255,255,.62);font-size:.98rem}
.calc-card .sub b{color:#fff}
.calc-card svg.cchart{width:100%;height:180px;margin:22px 0 10px}
.calc-card .leg2{display:flex;gap:18px;flex-wrap:wrap;font-size:.84rem;color:rgba(255,255,255,.6)}
.calc-card .leg2 i{display:inline-block;width:14px;height:8px;border-radius:3px;margin-right:7px;vertical-align:middle}
.calc-card .fix{margin-top:auto;padding-top:22px;border-top:1px solid var(--line);display:flex;align-items:center;justify-content:space-between;gap:16px;flex-wrap:wrap}
.calc-card .fix p{color:rgba(255,255,255,.8);max-width:300px;font-size:.95rem}
.calc-card .fix p b{color:#fff}
.calc .fine{font-size:.78rem;color:var(--muted);margin-top:16px}
#cBand,#cWig{transition:d .5s cubic-bezier(.3,.8,.3,1)}

@media (max-width:980px){
  #globe{width:640px;height:640px;right:-260px;top:40px;opacity:0}
  #globe.on{opacity:.3}
  .calc .cgrid{grid-template-columns:1fr}
  .calc .inputs,.calc-card{padding:26px}
}
@media (prefers-reduced-motion:reduce){.hero h1 .y{animation:none}.steps:before{transform:none}}

/* full globe band */
.gband{min-height:760px;align-items:center;background:radial-gradient(900px 600px at 78% 50%,rgba(247,197,26,.06),transparent 70%),var(--ink)}
.gband:after{display:none}
.gband .wrap{padding:110px 32px}
#globe2{position:absolute;right:-60px;top:50%;transform:translateY(-50%);width:880px;height:880px;opacity:0;transition:opacity 1.6s;pointer-events:none}
#globe2.on{opacity:1}
.gband .routes{display:flex;flex-wrap:wrap;gap:8px;margin-top:30px;max-width:560px}
.gband .routes span{border:1px solid var(--line2);background:rgba(255,255,255,.03);border-radius:999px;padding:7px 14px;font-size:.84rem;color:rgba(255,255,255,.7)}
.gband .routes b{color:#fff;font-weight:600}
.gband .routes b+b,.gband .routes b:nth-of-type(2){color:var(--y)}
@media (max-width:980px){.gband{min-height:auto;align-items:flex-end}.gband .wrap{padding:420px 22px 50px}#globe2{width:560px;height:560px;right:50%;top:0;transform:translateX(50%)}}

/* market movement strip */
.mmove{background:var(--ink);color:#fff;border-radius:28px;padding:26px 28px;margin-bottom:28px;box-shadow:0 30px 70px -40px rgba(0,0,0,.6)}
.mmove[hidden]{display:none}
.mtop{display:flex;justify-content:space-between;align-items:center;gap:20px;flex-wrap:wrap;margin-bottom:18px}
.mtop .live{display:inline-flex;align-items:center;gap:9px;font-weight:600;font-size:.95rem}
.mtop .live:before{content:"";width:8px;height:8px;border-radius:50%;background:#3DDC84;box-shadow:0 0 0 0 rgba(61,220,132,.6);animation:ping 2s infinite}
@keyframes ping{70%{box-shadow:0 0 0 9px rgba(61,220,132,0)}100%{box-shadow:0 0 0 0 rgba(61,220,132,0)}}
.mtop .msrc{font-size:.86rem;color:rgba(255,255,255,.55)}
.mcards{display:grid;grid-template-columns:repeat(5,1fr);gap:12px}
.mcard{font:inherit;color:#fff;text-align:left;cursor:pointer;border:1px solid var(--line2);background:rgba(255,255,255,.03);border-radius:18px;padding:14px 14px 12px;display:flex;flex-direction:column;gap:8px;transition:border-color .2s,background .2s,transform .2s}
.mcard:hover{border-color:rgba(247,197,26,.5);transform:translateY(-2px)}
.mcard.on{border-color:var(--y);background:rgba(247,197,26,.08)}
.mpair{font-size:.9rem;color:rgba(255,255,255,.75)}.mpair b{color:#fff}
.mpair small{display:block;font-size:.74rem;color:rgba(255,255,255,.45)}
.mcard svg{width:100%;height:36px;color:rgba(255,255,255,.45)}
.mcard.on svg{color:var(--y)}
.mval{font-family:"Inter Tight";font-weight:800;font-size:1.6rem;letter-spacing:-.03em;line-height:1;color:var(--y)}
.mval small{display:block;font-family:Inter;font-weight:500;font-size:.72rem;letter-spacing:0;color:rgba(255,255,255,.5);margin-top:4px}
.mchg{font-size:.74rem;color:rgba(255,255,255,.55)}
.mfine{font-size:.76rem;color:rgba(255,255,255,.45);margin-top:14px}
.mfine b{color:rgba(255,255,255,.7);font-weight:600}
@media (max-width:980px){.mcards{grid-template-columns:repeat(2,1fr)}.mcards .mcard:last-child{grid-column:span 2}.mmove{padding:22px 18px}}

/* real photos */
.avatar{overflow:hidden}
.avatar img{width:100%;height:100%;object-fit:cover;display:block}
.person .pic img{width:100%;height:100%;object-fit:cover;object-position:50% 22%;display:block}
.person .pic:has(img){padding:0;background:#E9DFC8}

/* Oct 16 (Shane notes) */
.chead .us img{height:52px!important;width:auto}
@media(max-width:760px){.chead .us img{height:34px!important}}
.team.team3{grid-template-columns:repeat(3,1fr)}
@media(max-width:900px){.team.team3{grid-template-columns:1fr;max-width:460px;margin-inline:auto}}
.dealer-card .avatar,.cal .avatar{background:#F7C51A}
.team3 .person{grid-template-columns:1fr;grid-template-rows:auto 1fr}
.team3 .person .pic{height:auto;aspect-ratio:4/5;min-height:0;padding:0}
.team3 .person .pic img{object-position:50% 0}
.team3 .person .pic{overflow:hidden;position:relative}.team3 .person .pic img{position:absolute;inset:0;height:100%!important}

/* Safeguarding card: the four boxes fill the card, no empty area beside the taller dark card */
.secmain{display:flex;flex-direction:column}
.secmain .checks{flex:1;grid-auto-rows:1fr}
.secmain .check{align-items:center}