html {
    scroll-behavior: smooth;
  }
:root {
    --kulmis-gold: #C9A227;
    --kulmis-navy: #0B1A33;
    --kulmis-bg: #ffffff;
    --kulmis-text: #111111;
    --kulmis-muted: #6c7280;
    --kulmis-border: #e3e5eb;
    --kulmis-soft: #f5f7fb;
  }
  
  * {
    box-sizing: border-box;
    margin: 0;
    padding: 0;
  }
  
  body {
    font-family: system-ui, -apple-system, BlinkMacSystemFont, "SF Pro Text",
      "Segoe UI", sans-serif;
    background: var(--kulmis-bg);
    color: var(--kulmis-text);
    line-height: 1.5;
  }
  
  a {
    text-decoration: none;
    color: inherit;
  }
  
  img {
    max-width: 100%;
    display: block;
  }
  
  /* Layout shell */
  .page {
    min-height: 100vh;
    display: flex;
    flex-direction: column;
  }
  
  .page-inner {
    max-width: 1120px;
    margin: 0 auto;
    padding: 0 20px 60px;
  }
  
  /* Top nav */
  header {
    position: sticky;
    top: 0;
    z-index: 20;
    background: rgba(255, 255, 255, 0.96);
    backdrop-filter: blur(16px);
    border-bottom: 1px solid rgba(12, 21, 46, 0.04);
  }
  
  .nav {
    max-width: 1120px;
    margin: 0 auto;
    padding: 16px 20px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 16px;
  }
  
  .nav-left {
    display: flex;
    align-items: center;
    gap: 10px;
  }
  
  .nav-logo-word {
    font-family: "Times New Roman", Times, serif;
    letter-spacing: 0.18em;
    font-size: 20px;
    color: var(--kulmis-gold);
    text-transform: uppercase;
  }
  
  .nav-tagline {
    font-size: 12px;
    color: var(--kulmis-muted);
  }
  
  .nav-links {
    display: flex;
    align-items: center;
    gap: 20px;
    font-size: 14px;
    color: var(--kulmis-muted);
  }
  
  .nav-links a {
    position: relative;
    padding-bottom: 3px;
  }
  
  .nav-links a:hover,
  .nav-links a.active {
    color: var(--kulmis-text);
  }
  
  .nav-links a::after {
    content: "";
    position: absolute;
    left: 0;
    bottom: 0;
    width: 0;
    height: 2px;
    border-radius: 999px;
    background: var(--kulmis-gold);
    transition: width 0.18s ease;
  }
  
  .nav-links a:hover::after,
  .nav-links a.active::after {
    width: 100%;
  }
  
  .nav-cta {
    padding: 8px 16px;
    border-radius: 999px;
    border: 1px solid rgba(201, 162, 39, 0.4);
    font-size: 13px;
    font-weight: 500;
    color: var(--kulmis-navy);
    background: #fff9e5;
    cursor: pointer;
  }
  
  .nav-cta:hover {
    background: #fff2c7;
  }
  
  /* Hero */
  .hero {
    display: grid;
    grid-template-columns: minmax(0, 1.2fr) minmax(0, 1fr);
    gap: 40px;
    padding: 48px 0 40px;
    align-items: center;
  }
  
  .hero-kicker {
    font-size: 12px;
    letter-spacing: 0.16em;
    text-transform: uppercase;
    color: var(--kulmis-gold);
    margin-bottom: 10px;
  }
  
  .hero-title {
    font-size: clamp(30px, 4vw, 38px);
    line-height: 1.1;
    margin-bottom: 14px;
  }
  
  .hero-subtitle {
    font-size: 15px;
    color: var(--kulmis-muted);
    max-width: 420px;
    margin-bottom: 18px;
  }
  
  .hero-badges {
    display: flex;
    flex-wrap: wrap;
    gap: 8px;
    margin-bottom: 22px;
    font-size: 11px;
  }
  
  .badge {
    padding: 4px 10px;
    border-radius: 999px;
    background: var(--kulmis-soft);
    color: var(--kulmis-muted);
    border: 1px solid rgba(227, 229, 235, 0.6);
  }
  
  .hero-cta-row {
    display: flex;
    flex-wrap: wrap;
    gap: 12px;
    align-items: center;
    margin-bottom: 18px;
  }
  
  .btn-primary {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 6px;
    padding: 11px 18px;
    border-radius: 999px;
    border: none;
    cursor: pointer;
    background: var(--kulmis-gold);
    color: #111;
    font-size: 13px;
    font-weight: 600;
  }
  
  .btn-primary:hover {
    background: #ddb536;
  }
  
  .btn-ghost {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 6px;
    padding: 10px 15px;
    border-radius: 999px;
    border: 1px solid var(--kulmis-border);
    background: #ffffff;
    cursor: pointer;
    font-size: 13px;
    color: var(--kulmis-muted);
  }
  
  .btn-ghost span.arrow {
    font-size: 15px;
  }
  
  .hero-footnote {
    font-size: 11px;
    color: var(--kulmis-muted);
  }
  
  .hero-footnote strong {
    color: var(--kulmis-text);
  }
  
  .hero-right {
    display: grid;
    grid-template-rows: auto auto;
    gap: 16px;
  }
  
  /* Hero right – map card */
  .hero-card {
    background: #ffffff;
    border-radius: 22px;
    padding: 16px 18px;
    border: 1px solid rgba(12, 21, 46, 0.06);
    box-shadow: 0 18px 40px rgba(11, 26, 51, 0.07);
  }
  
  .hero-card-header {
    display: flex;
    justify-content: space-between;
    margin-bottom: 8px;
    font-size: 12px;
    color: var(--kulmis-muted);
  }
  
  .hero-card-title {
    font-size: 14px;
    font-weight: 600;
    color: var(--kulmis-navy);
    margin-bottom: 6px;
  }
  
  .hero-card-subtitle {
    font-size: 12px;
    color: var(--kulmis-muted);
    margin-bottom: 10px;
  }
  
  .map-row {
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 12px;
    font-size: 12px;
  }
  
  .map-col {
    flex: 1;
  }
  
  .map-label {
    font-size: 11px;
    text-transform: uppercase;
    letter-spacing: 0.12em;
    color: var(--kulmis-muted);
    margin-bottom: 2px;
  }
  
  .map-country {
    font-size: 13px;
    font-weight: 600;
    color: var(--kulmis-navy);
  }
  
  .map-amount {
    font-size: 13px;
    font-weight: 600;
  }
  
  .map-pill {
    align-self: flex-start;
    padding: 6px 10px;
    border-radius: 999px;
    background: #f5f4ff;
    color: #4a47b3;
    border: 1px solid rgba(95, 92, 196, 0.2);
    font-size: 11px;
  }
  
  .hero-card-footer {
    margin-top: 10px;
    font-size: 11px;
    color: var(--kulmis-muted);
    display: flex;
    justify-content: space-between;
    align-items: center;
  }
  
  .hero-card-footer span.highlight {
    color: var(--kulmis-gold);
    font-weight: 600;
  }
  
  /* Phone mock */
  .phone-shell {
    max-width: 260px;
    justify-self: flex-end;
    border-radius: 32px;
    padding: 12px 10px;
    background: linear-gradient(145deg, #111827, #020617);
    box-shadow: 0 24px 55px rgba(15, 23, 42, 0.9);
  }
  
  .phone-inner {
    border-radius: 24px;
    background: #f9fafb;
    padding: 12px 12px 14px;
    display: flex;
    flex-direction: column;
    gap: 10px;
  }
  
  .phone-top-bar {
    display: flex;
    justify-content: space-between;
    align-items: center;
    font-size: 10px;
    color: #6b7280;
  }
  
  .phone-logo {
    text-align: center;
    font-family: "Times New Roman", Times, serif;
    letter-spacing: 0.18em;
    font-size: 13px;
    color: var(--kulmis-gold);
    margin: 6px 0 2px;
  }
  
  .phone-screen-title {
    text-align: center;
    font-size: 14px;
    font-weight: 600;
    color: #111827;
  }
  
  .phone-screen-sub {
    text-align: center;
    font-size: 11px;
    color: #6b7280;
    margin-bottom: 6px;
  }
  
  .phone-card {
    background: #ffffff;
    border-radius: 14px;
    padding: 10px 10px 8px;
    border: 1px solid #e5e7eb;
    margin-bottom: 8px;
  }
  
  .phone-field {
    display: flex;
    justify-content: space-between;
    font-size: 11px;
    margin-bottom: 6px;
  }
  
  .phone-field-label {
    text-transform: uppercase;
    letter-spacing: 0.12em;
    font-size: 10px;
    color: #9ca3af;
  }
  
  .phone-field-value {
    font-size: 11px;
    font-weight: 600;
    color: #111827;
  }
  
  .phone-btn {
    width: 100%;
    border-radius: 999px;
    border: none;
    padding: 8px 0;
    background: var(--kulmis-gold);
    color: #111827;
    font-size: 12px;
    font-weight: 600;
    cursor: pointer;
  }
  
  .phone-footer {
    font-size: 9px;
    text-align: center;
    color: #6b7280;
    margin-top: 4px;
  }
  
  /* Generic sections */
  .section {
    padding: 40px 0 32px;
    border-top: 1px solid rgba(12, 21, 46, 0.04);
  }
  
  .section-header {
    margin-bottom: 18px;
  }
  
  .section-kicker {
    font-size: 11px;
    letter-spacing: 0.18em;
    text-transform: uppercase;
    color: var(--kulmis-gold);
    margin-bottom: 4px;
  }
  
  .section-title {
    font-size: 22px;
    margin-bottom: 6px;
  }
  
  .section-subtitle {
    font-size: 14px;
    color: var(--kulmis-muted);
    max-width: 460px;
  }
  
  /* Grids & cards */
  .grid-3 {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 16px;
  }
  
  .grid-2 {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 16px;
  }
  
  .card {
    border-radius: 18px;
    border: 1px solid var(--kulmis-border);
    background: #ffffff;
    padding: 16px 16px 14px;
    font-size: 13px;
    box-shadow: 0 10px 20px rgba(11, 26, 51, 0.04);
  }
  
  .card-heading {
    font-size: 15px;
    font-weight: 600;
    margin-bottom: 4px;
  }
  
  .card-tagline {
    font-size: 12px;
    color: var(--kulmis-muted);
    margin-bottom: 8px;
  }
  
  .card-list {
    list-style: none;
    font-size: 13px;
    color: var(--kulmis-muted);
  }
  
  .card-list li + li {
    margin-top: 4px;
  }
  
  /* CTA band */
  .cta-band {
    margin-top: 24px;
    padding: 14px 16px;
    border-radius: 18px;
    border: 1px dashed rgba(201, 162, 39, 0.6);
    background: #fffbeb;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 12px;
    font-size: 13px;
  }
  
  .cta-band strong {
    color: var(--kulmis-navy);
  }
  
  .cta-band button {
    padding: 8px 14px;
    border-radius: 999px;
    border: none;
    background: var(--kulmis-navy);
    color: #f9fafb;
    font-size: 12px;
    cursor: pointer;
  }
  
  .cta-band button:hover {
    opacity: 0.9;
  }
  
  /* Footer */
  footer {
    border-top: 1px solid rgba(12, 21, 46, 0.06);
    padding: 16px 20px 22px;
    font-size: 12px;
    color: var(--kulmis-muted);
  }
  
  footer .footer-inner {
    max-width: 1120px;
    margin: 0 auto;
    display: flex;
    justify-content: space-between;
    flex-wrap: wrap;
    gap: 10px;
    align-items: center;
  }
  
  footer a {
    color: var(--kulmis-muted);
    font-size: 12px;
    margin-left: 14px;
  }
  
  footer a:hover {
    color: var(--kulmis-text);
  }
  
  /* Responsive */
  @media (max-width: 900px) {
    .hero {
      grid-template-columns: minmax(0, 1fr);
    }
  
    .hero-right {
      order: -1;
    }
  
    .phone-shell {
      justify-self: flex-start;
    }
  
    .grid-3 {
      grid-template-columns: repeat(2, minmax(0, 1fr));
    }
  }
  
  @media (max-width: 700px) {
    .nav {
      flex-direction: column;
      align-items: flex-start;
    }
  
    .nav-links {
      font-size: 13px;
      flex-wrap: wrap;
      gap: 10px;
    }
  
    .hero {
      padding-top: 32px;
    }
  
    .grid-3,
    .grid-2 {
      grid-template-columns: minmax(0, 1fr);
    }
  
    .cta-band {
      flex-direction: column;
      align-items: flex-start;
    }
  }
  /* Contact form */
.contact-form-wrapper {
    margin-top: 28px;
    max-width: 720px;
  }
  
  .contact-form-wrapper h3 {
    font-size: 18px;
    margin-bottom: 6px;
  }
  
  .contact-form-subtitle {
    font-size: 13px;
    color: var(--kulmis-muted);
    margin-bottom: 14px;
  }
  
  .contact-form {
    margin-top: 6px;
    padding: 16px 16px 18px;
    border-radius: 16px;
    border: 1px solid var(--kulmis-border);
    background: #ffffff;
    box-shadow: 0 10px 22px rgba(11, 26, 51, 0.03);
  }
  
  .form-row {
    display: flex;
    flex-wrap: wrap;
    gap: 14px;
    margin-bottom: 12px;
  }
  
  .form-field {
    flex: 1;
    min-width: 160px;
    display: flex;
    flex-direction: column;
    gap: 4px;
  }
  
  .form-field-full {
    min-width: 100%;
  }
  
  .form-field label {
    font-size: 12px;
    color: var(--kulmis-muted);
  }
  
  .form-field input,
  .form-field select,
  .form-field textarea {
    font-family: inherit;
    font-size: 13px;
    padding: 8px 10px;
    border-radius: 9px;
    border: 1px solid var(--kulmis-border);
    background: #f9fafb;
    outline: none;
  }
  
  .form-field textarea {
    resize: vertical;
  }
  
  .form-field input:focus,
  .form-field select:focus,
  .form-field textarea:focus {
    border-color: var(--kulmis-gold);
    background: #ffffff;
  }
  
  .form-submit {
    margin-top: 4px;
  }
  /* Hamburger Button */
.hamburger {
    display: none;
    font-size: 26px;
    cursor: pointer;
    padding: 6px 10px;
  }
  
  /* Mobile Menu Container */
  .mobile-menu {
    display: none;
    flex-direction: column;
    gap: 14px;
    background: #ffffff;
    padding: 20px;
    border-bottom: 1px solid var(--kulmis-border);
  }
  
  /* Mobile Menu Links */
  .mobile-menu a {
    font-size: 16px;
    color: var(--kulmis-text);
  }
  
  /* Mobile CTA Button */
  .mobile-menu .mobile-cta {
    margin-top: 10px;
    width: 100%;
  }
  
  /* RESPONSIVE BREAKPOINT */
  @media (max-width: 760px) {
    .nav-links,
    .nav-cta {
      display: none; /* hide desktop nav */
    }
  
    .hamburger {
      display: block; /* show mobile icon */
    }
  
    .mobile-menu.open {
      display: flex; /* show menu when open */
    }
  }
  /* Signup page layout */
.container {
    max-width: 900px;
    margin: 0 auto;
    padding: 48px 20px 64px;
  }
  
  /* Early Access Form */
  .early-access-form {
    margin-top: 20px;
    padding: 20px;
    background: #ffffff;
    border-radius: 16px;
    border: 1px solid var(--kulmis-border);
    box-shadow: 0 10px 22px rgba(11, 26, 51, 0.04);
    max-width: 900px;
  }
  
  .early-access-form .form-row {
    display: flex;
    flex-wrap: wrap;
    gap: 14px;
    margin-bottom: 14px;
  }
  
  .early-access-form .form-field {
    flex: 1;
    min-width: 220px;
    display: flex;
    flex-direction: column;
    gap: 6px;
  }
  
  .early-access-form .form-field-full {
    width: 100%;
    margin-bottom: 14px;
  }
  
  .early-access-form label {
    font-size: 13px;
    color: var(--kulmis-muted);
  }
  
  .early-access-form input,
  .early-access-form select {
    padding: 10px 12px;
    border-radius: 10px;
    border: 1px solid var(--kulmis-border);
    background: #f9fafb;
    font-size: 14px;
    outline: none;
  }
  
  .early-access-form input:focus,
  .early-access-form select:focus {
    border-color: var(--kulmis-gold);
    background: #ffffff;
  }
  
  .early-access-form .form-submit {
    margin-top: 10px;
    padding: 12px;
    font-size: 15px;
    width: 180px;
  }
  
  /* Responsive adjustments */
  @media (max-width: 600px) {
    .early-access-form .form-row {
      flex-direction: column;
    }
  
    .early-access-form .form-field {
      min-width: 100%;
    }
  
    .early-access-form .form-submit {
      width: 100%;
    }
}
/* ----------------------------- */
/* Kulmis App Download Section   */
/* ----------------------------- */

#download {
    padding: 40px 0;
    margin-top: 40px;
    border-top: 1px solid rgba(0,0,0,0.06); /* subtle divider like fintech sites */
  }
  
  #download .section-header {
    text-align: center;
    margin-bottom: 16px;
  }
  
  #download .section-kicker {
    color: var(--kulmis-gold);
    font-size: 14px;
    font-weight: 600;
  }
  
  #download .section-title {
    color: #0c152e;
    font-size: 26px;
    margin-top: 4px;
  }
  
  #download .section-subtitle {
    color: #6b7280;
    max-width: 420px;
    line-height: 1.5;
    margin-bottom: 20px;
    margin-left: auto;
    margin-right: auto;

  }
  
 /* Button layout — centered */
#download .download-buttons {
    display: flex;
    flex-wrap: wrap;
    justify-content: center;
    gap: 14px;
    margin-top: 20px;
  }
  
  
  /* Badge styling */
  #download .store-badge img {
    height: 44px;               /* same height for both badges */
    width: auto;
    object-fit: contain;        /* forces clean proportions */
    border-radius: 8px;
    box-shadow: 0 4px 10px rgba(0,0,0,0.12);
    transition: transform .15s ease, box-shadow .15s ease;
  }
  
  
  #download .store-badge img:hover {
    transform: translateY(-2px);
    box-shadow: 0 8px 18px rgba(0,0,0,0.18);
  }
  
  /* Mobile responsive */
  @media (max-width: 600px) {
    #download {
      text-align: center;
    }
    #download .download-buttons {
      justify-content: center;
    }
  }
 /* FINAL FIX — force both icons to appear exactly the same size */
.badge-box {
    width: 180px;      /* same visual width */
    height: 50px;      /* same visual height */
    display: flex;
    align-items: center;
    justify-content: center;
    overflow: hidden;  /* hides uneven PNG padding */
    background: white;
}

.badge-box img {
    width: 100%;       /* fill full width */
    height: auto;
    object-fit: contain; /* scales perfectly */
    transform: scale(1.15); /* adjust this if one looks smaller */
}
.badge-box.google img {
    transform: scale(1.15);
}

.badge-box.apple img {
    transform: scale(1.05);
}
/* ========================= */
/* FAQ SECTION – Kulmis     */
/* ========================= */

.faq-section {
    padding: 56px 0;
    border-top: 1px solid rgba(12, 21, 46, 0.06);
    margin-top: 40px;
  }
  
  .faq-section .section-header {
    text-align: center;
    margin-bottom: 28px;
  }
  
  .faq-section .section-subtitle {
    max-width: 520px;
    margin: 0 auto;
  }
  
  /* Search bar */
  .faq-search {
    margin-top: 18px;
  }
  
  .faq-search input {
    width: 100%;
    max-width: 520px;
    padding: 12px 14px;
    border-radius: 10px;
    border: 1px solid rgba(12, 21, 46, 0.12);
    font-size: 14px;
    outline: none;
  }
  
  .faq-search input:focus {
    border-color: var(--kulmis-gold);
  }
  
  /* Container */
  .faq-container {
    max-width: 900px;
    margin: 0 auto;
  }
  
  /* Category heading */
  .faq-category {
    font-size: 18px;
    font-weight: 700;
    margin: 26px 0 10px;
    color: #0c152e;
    border-bottom: 2px solid rgba(12, 21, 46, 0.06);
    padding-bottom: 4px;
  }
  
  /* FAQ cards */
  .faq-item {
    background: #ffffff;
    border-radius: 12px;
    border: 1px solid rgba(12, 21, 46, 0.08);
    margin-bottom: 10px;
    overflow: hidden;
    transition: box-shadow 0.2s ease, border-color 0.2s ease, background 0.2s ease;
  }
  
  .faq-item.open {
    border-color: var(--kulmis-gold);
    background: rgba(250, 204, 21, 0.04);
    box-shadow: 0 10px 24px rgba(0, 0, 0, 0.06);
  }
  
  /* Question row */
  .faq-question {
    width: 100%;
    background: none;
    border: none;
    outline: none;
    padding: 14px 16px;
    font-size: 15px;
    font-weight: 600;
    cursor: pointer;
    display: flex;
    justify-content: space-between;
    align-items: center;
    text-align: left;
    color: #0c152e;
  }
  
  .faq-question:hover {
    background: rgba(12, 21, 46, 0.03);
  }
  
  /* + icon */
  .faq-icon {
    font-size: 18px;
    font-weight: 600;
    margin-left: 10px;
    transition: transform 0.25s ease;
  }
  
  .faq-item.open .faq-icon {
    transform: rotate(45deg); /* + turns into × */
  }
  
  /* Answer content */
  .faq-answer {
    max-height: 0;
    padding: 0 16px;
    overflow: hidden;
    transition: max-height 0.35s ease, padding 0.25s ease;
  }
  
  .faq-item.open .faq-answer {
    max-height: 400px;
    padding: 0 16px 14px 16px;
  }
  
  .faq-answer p {
    margin-top: 10px;
    margin-bottom: 8px;
    font-size: 14px;
    color: #4b5563;
    line-height: 1.6;
  }
  
  .faq-answer ul {
    margin: 6px 0 0 18px;
    padding: 0;
    font-size: 14px;
    color: #4b5563;
  }
  
  .faq-answer li {
    margin-bottom: 5px;
  }
  
  /* Support box at bottom */
  .faq-support {
    margin-top: 30px;
    padding: 20px 18px;
    border-radius: 14px;
    border: 1px solid rgba(12, 21, 46, 0.08);
    background: #fafafa;
    text-align: center;
  }
  
  .faq-support h3 {
    font-size: 18px;
    margin-bottom: 4px;
    color: #0c152e;
  }
  
  .faq-support p {
    font-size: 14px;
    color: #4b5563;
    margin-bottom: 10px;
  }
  
  .faq-support-button {
    display: inline-block;
    padding: 9px 18px;
    border-radius: 999px;
    background: var(--kulmis-gold);
    color: #0c152e;
    font-weight: 600;
    text-decoration: none;
    font-size: 14px;
  }
  
  .faq-support-button:hover {
    filter: brightness(0.95);
  }
  
  /* Responsive */
  @media (min-width: 900px) {
    .faq-section .section-header {
      margin-bottom: 34px;
    }
  }