/* Globex Payment Services. Brand: Controlled Meridian. Midnight Navy #10243E, Institutional Blue #42688C, white. */
  @font-face{font-family:'Spectral';font-style:normal;font-weight:400;font-display:swap;src:url('fonts/spectral-latin-400-normal.woff2') format('woff2')}
  @font-face{font-family:'Spectral';font-style:normal;font-weight:500;font-display:swap;src:url('fonts/spectral-latin-500-normal.woff2') format('woff2')}
  @font-face{font-family:'Spectral';font-style:normal;font-weight:600;font-display:swap;src:url('fonts/spectral-latin-600-normal.woff2') format('woff2')}
  @font-face{font-family:'Public Sans';font-style:normal;font-weight:400;font-display:swap;src:url('fonts/public-sans-latin-400-normal.woff2') format('woff2')}
  @font-face{font-family:'Public Sans';font-style:normal;font-weight:500;font-display:swap;src:url('fonts/public-sans-latin-500-normal.woff2') format('woff2')}
  @font-face{font-family:'Public Sans';font-style:normal;font-weight:600;font-display:swap;src:url('fonts/public-sans-latin-600-normal.woff2') format('woff2')}
  @font-face{font-family:'Public Sans';font-style:normal;font-weight:700;font-display:swap;src:url('fonts/public-sans-latin-700-normal.woff2') format('woff2')}
  @font-face{font-family:'IBM Plex Mono';font-style:normal;font-weight:400;font-display:swap;src:url('fonts/ibm-plex-mono-latin-400-normal.woff2') format('woff2')}
  @font-face{font-family:'IBM Plex Mono';font-style:normal;font-weight:500;font-display:swap;src:url('fonts/ibm-plex-mono-latin-500-normal.woff2') format('woff2')}
  :root{
    color-scheme: light;
    --navy:#10243E;
    --navy-deep:#0C1B30;
    --blue:#42688C;
    --ink:#17293F;
    --muted:#5C6B7E;
    --paper:#F4F6F9;
    --paper-2:#EDF1F6;
    --line:#DCE3EC;
    --line-strong:#C6D0DC;
    --white:#FFFFFF;
    --on-navy-muted:#AEBFD2;
    --serif:'Spectral', Georgia, 'Times New Roman', serif;
    --sans:'Public Sans', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
    --mono:'IBM Plex Mono', ui-monospace, 'SF Mono', Menlo, monospace;
    --maxw:1120px;
    /* Free-license (Unsplash) photography — NYC architecture / financial district */
    --img-hero:url('img/hero.jpg');
    --img-city:url('img/city.jpg');
    --img-street:url('img/street.jpg');
  }
  *{box-sizing:border-box}
  html{scroll-behavior:smooth}
  body{margin:0;background:var(--white);color:var(--ink);font-family:var(--sans);font-size:17px;line-height:1.6;-webkit-font-smoothing:antialiased}
  h1,h2,h3{font-family:var(--serif);font-weight:500;color:var(--navy);line-height:1.15;text-wrap:balance;margin:0}
  p{margin:0}
  a{color:inherit}
  .wrap{max-width:var(--maxw);margin:0 auto;padding:0 28px}
  .eyebrow{font-family:var(--mono);font-size:12px;font-weight:500;letter-spacing:.16em;text-transform:uppercase;color:var(--blue);margin:0 0 18px}
  .eyebrow.on-navy{color:#9DBAD8}

  /* NAV */
  header.nav{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.92);backdrop-filter:saturate(140%) blur(8px);border-bottom:1px solid var(--line)}
  .nav-inner{max-width:var(--maxw);margin:0 auto;padding:14px 28px;display:flex;align-items:center;gap:28px}
  .brand{display:flex;align-items:center;gap:12px;text-decoration:none;flex:0 0 auto}
  .mark{width:34px;height:34px;flex:0 0 auto}
  .brand .wm{display:flex;flex-direction:column;line-height:1}
  .brand .wm .g{font-family:var(--serif);font-size:21px;font-weight:600;color:var(--navy);letter-spacing:.01em}
  .brand .wm .s{font-family:var(--serif);font-size:11.5px;font-weight:500;letter-spacing:.13em;color:var(--blue);margin-top:3px}
  .nav-links{display:flex;gap:26px;margin-left:auto;align-items:center}
  .nav-links a{font-size:14px;font-weight:500;color:var(--ink);text-decoration:none;opacity:.85}
  .nav-links a:hover{opacity:1;color:var(--navy)}
  .lang{display:inline-flex;border:1px solid var(--line-strong);border-radius:999px;overflow:hidden;font-family:var(--mono)}
  .lang button{border:0;background:transparent;padding:5px 10px;font-size:11px;font-weight:500;letter-spacing:.06em;color:var(--muted);cursor:pointer;font-family:inherit}
  .lang button.active{background:var(--navy);color:#fff}
  .btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font-family:var(--sans);font-size:14px;font-weight:600;text-decoration:none;cursor:pointer;padding:11px 20px;border-radius:999px;border:1px solid transparent;transition:.18s}
  .btn-primary{background:var(--navy);color:#fff}
  .btn-primary:hover{background:#183254}
  .btn-ghost{background:transparent;color:var(--navy);border-color:var(--line-strong)}
  .btn-ghost:hover{border-color:var(--navy)}
  .btn-lg{padding:14px 26px;font-size:15px}
  .nav .btn{flex:0 0 auto}

  /* HERO (photographic) */
  .hero{position:relative;background:var(--navy);color:#fff;overflow:hidden;isolation:isolate}
  .hero .bg{position:absolute;inset:0;z-index:-2;background:var(--img-hero) center 30%/cover no-repeat;transform:scale(1.03)}
  .hero .scrim{position:absolute;inset:0;z-index:-1;background:
     linear-gradient(180deg, rgba(9,20,36,.62) 0%, rgba(9,20,36,.72) 55%, rgba(9,20,36,.92) 100%),
     linear-gradient(90deg, rgba(9,20,36,.80) 0%, rgba(9,20,36,.30) 60%, rgba(9,20,36,.15) 100%)}
  .hero-inner{max-width:var(--maxw);margin:0 auto;padding:120px 28px 104px;position:relative}
  .hero .eyebrow{color:#B7CBE2;margin-bottom:22px}
  .hero h1{color:#fff;font-size:clamp(40px,6.2vw,70px);font-weight:500;letter-spacing:-.015em;max-width:15ch;text-shadow:0 2px 30px rgba(0,0,0,.25)}
  .hero .lede{margin-top:24px;max-width:50ch;font-size:clamp(17px,2.1vw,20px);color:#E4EBF3}
  .hero-cta{display:flex;flex-wrap:wrap;gap:14px;margin-top:38px;align-items:center}
  .hero .btn-primary{background:#fff;color:var(--navy)}
  .hero .btn-primary:hover{background:#E9EFF6}
  .hero .btn-ghost{color:#fff;border-color:rgba(255,255,255,.45)}
  .hero .btn-ghost:hover{border-color:#fff;background:rgba(255,255,255,.08)}
  .pill{display:inline-flex;align-items:center;gap:9px;margin-top:44px;font-family:var(--mono);font-size:12px;letter-spacing:.04em;color:#C6D6E8;border:1px solid rgba(255,255,255,.25);background:rgba(9,20,36,.35);border-radius:999px;padding:8px 15px}
  .pill .dot{width:7px;height:7px;border-radius:50%;background:#7DA6D0;box-shadow:0 0 0 4px rgba(125,166,208,.25)}

  /* DISCLOSURE STRIP */
  .strip{background:var(--paper-2);border-bottom:1px solid var(--line)}
  .strip .wrap{padding:16px 28px;display:flex;gap:14px;align-items:flex-start}
  .strip .ico{flex:0 0 auto;margin-top:1px;color:var(--blue)}
  .strip p{font-size:13.5px;color:var(--muted);max-width:96ch}

  /* SECTIONS */
  section.band{padding:92px 0}
  section.paper{background:var(--paper)}
  .section-head{max-width:62ch}
  .section-head h2{font-size:clamp(28px,3.6vw,40px)}
  .section-head p{margin-top:16px;color:var(--muted);font-size:18px}
  .lead-quote{font-family:var(--serif);font-size:clamp(24px,3.4vw,34px);color:var(--navy);max-width:22ch;line-height:1.2;font-weight:500}
  .two-col{display:grid;grid-template-columns:.9fr 1.1fr;gap:56px;align-items:start}

  /* SERVICES */
  .svc-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:1px;background:var(--line);border:1px solid var(--line);border-radius:14px;overflow:hidden;margin-top:44px}
  .svc{background:var(--white);padding:32px 30px}
  .svc .n{font-family:var(--mono);font-size:12px;color:var(--blue);letter-spacing:.08em}
  .svc h3{font-size:21px;margin-top:14px}
  .svc p{margin-top:10px;color:var(--muted);font-size:15.5px}

  /* PHOTO STATEMENT BAND */
  .statement{position:relative;color:#fff;isolation:isolate;background:var(--navy)}
  .statement .bg{position:absolute;inset:0;z-index:-2;background:var(--img-city) center 40%/cover no-repeat}
  .statement .scrim{position:absolute;inset:0;z-index:-1;background:linear-gradient(90deg, rgba(9,20,36,.90) 0%, rgba(9,20,36,.66) 55%, rgba(9,20,36,.45) 100%)}
  .statement .inner{max-width:var(--maxw);margin:0 auto;padding:104px 28px}
  .statement blockquote{margin:0;max-width:26ch;font-family:var(--serif);font-weight:500;font-size:clamp(26px,3.8vw,42px);line-height:1.18;color:#fff}
  .statement .attrib{margin-top:22px;font-family:var(--mono);font-size:12px;letter-spacing:.12em;text-transform:uppercase;color:#9DBAD8}

  /* STEPS */
  .steps{margin-top:48px;display:grid;grid-template-columns:repeat(3,1fr);gap:30px 40px}
  .step{position:relative;padding-top:22px;border-top:2px solid var(--navy)}
  .step .num{font-family:var(--mono);font-size:13px;color:var(--blue);font-weight:500}
  .step h3{font-size:19px;margin-top:8px}
  .step p{margin-top:9px;color:var(--muted);font-size:15px}

  /* AUDIENCE (with photo panel) */
  .aud-wrap{display:grid;grid-template-columns:.85fr 1.15fr;gap:44px;align-items:stretch;margin-top:44px}
  .aud-photo{border-radius:16px;min-height:340px;background:var(--navy) var(--img-street) center/cover no-repeat;position:relative;overflow:hidden}
  .aud-photo::after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(16,36,62,.10),rgba(16,36,62,.55))}
  .aud{display:grid;grid-template-columns:1fr;gap:18px}
  .aud .card{border:1px solid var(--line);border-radius:14px;padding:24px 26px;background:var(--white)}
  .aud .card h3{font-size:20px}
  .aud .card p{margin-top:8px;color:var(--muted);font-size:15px}
  .aud .k{font-family:var(--mono);font-size:12px;letter-spacing:.08em;color:var(--blue);text-transform:uppercase}
  .uses{list-style:none;margin:16px 0 0;padding:0;display:grid;gap:9px}
  .uses li{position:relative;padding-left:22px;font-size:14.5px;color:var(--ink)}
  .uses li::before{content:"";position:absolute;left:0;top:8px;width:7px;height:7px;border:1.5px solid var(--blue);border-radius:2px;transform:rotate(45deg)}

  /* COMPLIANCE */
  .comp{background:var(--navy);color:#fff}
  .comp h2{color:#fff}
  .comp .section-head p{color:#C9D5E2}
  .comp-list{list-style:none;padding:0;margin:40px 0 0;display:grid;grid-template-columns:repeat(2,1fr);gap:22px 40px}
  .comp-list li{display:flex;gap:14px;align-items:flex-start;font-size:15.5px;color:#E4EBF3}
  .comp-list .chk{flex:0 0 auto;margin-top:3px;color:#8FB0D2}
  .reg-note{margin-top:44px;border-top:1px solid rgba(255,255,255,.16);padding-top:24px;font-size:14px;color:var(--on-navy-muted);max-width:92ch}

  /* CONTACT */
  .contact-grid{display:grid;grid-template-columns:.95fr 1.05fr;gap:56px;align-items:start;margin-top:8px}
  .contact-copy h2{font-size:clamp(28px,3.6vw,40px)}
  .contact-copy p{margin-top:16px;color:var(--muted);font-size:17px;max-width:44ch}
  .contact-meta{margin-top:30px;font-size:14.5px;color:var(--muted)}
  .contact-meta div{margin-top:10px}
  .contact-meta .lbl{font-family:var(--mono);font-size:11px;letter-spacing:.1em;text-transform:uppercase;color:var(--blue)}
  form{background:var(--white);border:1px solid var(--line);border-radius:16px;padding:30px 28px;box-shadow:0 1px 2px rgba(16,36,62,.04),0 18px 40px -28px rgba(16,36,62,.25)}
  .field{margin-bottom:18px}
  .field label{display:block;font-size:13px;font-weight:600;color:var(--ink);margin-bottom:7px}
  .field .req{color:var(--blue)}
  .field input,.field textarea{width:100%;font-family:var(--sans);font-size:15px;color:var(--ink);background:var(--paper);border:1px solid var(--line-strong);border-radius:9px;padding:12px 13px}
  .field textarea{min-height:104px;resize:vertical}
  .field input:focus,.field textarea:focus{outline:none;border-color:var(--navy);background:#fff;box-shadow:0 0 0 3px rgba(66,104,140,.14)}
  .row2{display:grid;grid-template-columns:1fr 1fr;gap:16px}
  form button[type=submit]{width:100%;margin-top:6px}
  .form-fine{margin-top:14px;font-size:12px;color:var(--muted);line-height:1.5}

  /* FOOTER */
  footer{background:var(--navy-deep);color:#B9C6D6;padding:56px 0 34px}
  .foot-top{display:flex;justify-content:space-between;gap:40px;flex-wrap:wrap;border-bottom:1px solid rgba(255,255,255,.1);padding-bottom:30px}
  .foot-brand .wm .g{color:#fff}
  .foot-brand p{margin-top:14px;font-size:13.5px;max-width:40ch;color:#94A6BA}
  .foot-col h4{font-family:var(--mono);font-size:11px;letter-spacing:.12em;text-transform:uppercase;color:#7f93aa;margin:0 0 12px;font-weight:500}
  .foot-col div,.foot-col a{font-size:13.5px;color:#B9C6D6;text-decoration:none;display:block;margin-bottom:7px}
  .foot-col a:hover{color:#fff}
  .foot-cols{display:flex;gap:56px;flex-wrap:wrap}
  .disclaimer{margin-top:26px;font-size:12px;color:#7b8ea4;line-height:1.6;max-width:110ch}
  .copyright{margin-top:20px;font-size:12px;color:#6a7d92;font-family:var(--mono)}

  @media (max-width:860px){
    .nav-links{display:none}
    .two-col,.contact-grid,.aud-wrap{grid-template-columns:1fr;gap:34px}
    .svc-grid{grid-template-columns:1fr}
    .steps{grid-template-columns:1fr}
    .comp-list{grid-template-columns:1fr}
    .hero-inner{padding:88px 28px 72px}
    .statement .inner{padding:76px 28px}
    .aud-photo{min-height:220px}
    section.band{padding:64px 0}
  }
  @media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}

  /* ============ PRODUCTION ADDITIONS ============ */
  [hidden]{display:none!important}
  header.nav{top:env(safe-area-inset-top,0px)}
  img.mark{display:block}
  .foot-brand .wm .s{color:#7f9cbb}

  /* contact details */
  .contact-meta a,.legal a,.form-fine a,.form-result a,.form-error a{color:var(--navy);text-decoration:underline;text-decoration-color:var(--line-strong);text-underline-offset:3px}
  .contact-meta a:hover,.legal a:hover,.form-fine a:hover,.form-result a:hover,.form-error a:hover{text-decoration-color:var(--navy)}

  /* form states */
  .hp{position:absolute;left:-10000px;top:auto;width:1px;height:1px;overflow:hidden}
  .form-result{background:var(--white);border:1px solid var(--line);border-radius:16px;padding:38px 28px;text-align:center;box-shadow:0 1px 2px rgba(16,36,62,.04),0 18px 40px -28px rgba(16,36,62,.25)}
  .form-result:focus{outline:none}
  .form-result .big{font-family:var(--serif);font-size:24px;color:var(--navy);line-height:1.2}
  .form-result p{margin-top:12px;color:var(--muted);font-size:15px}
  .form-result .btn{margin-top:22px}
  .form-error{margin:0 0 16px;padding:13px 15px;border:1px solid #D9B8B4;border-radius:9px;background:#FBF3F2;color:#5E211B;font-size:14px;line-height:1.5}
  form button[type=submit]:disabled{opacity:.6;cursor:progress}
  a:focus-visible,button:focus-visible{outline:2px solid var(--blue);outline-offset:3px}

  /* legal pages */
  .legal{padding:76px 0 100px}
  .legal-wrap{max-width:800px}
  .legal h1{font-size:clamp(34px,5vw,48px)}
  .legal .legal-date{margin-top:14px;font-family:var(--mono);font-size:12.5px;letter-spacing:.04em;color:var(--muted)}
  .legal .legal-lede{margin-top:32px;font-size:19px;color:var(--ink)}
  .legal p{margin-top:14px;max-width:68ch}
  .legal h2{font-size:24px;margin-top:46px}
  .legal ul{margin:14px 0 0;padding-left:20px;display:grid;gap:10px;max-width:68ch}
  .legal strong{font-weight:600;color:var(--navy)}

  /* not-found page */
  .notfound{padding:120px 0 140px}
  .notfound h1{font-size:clamp(34px,5vw,52px);max-width:18ch}
  .notfound p{margin-top:16px;color:var(--muted);font-size:18px;max-width:52ch}
  .notfound .btn{margin-top:30px}

  @media (max-width:860px){
    .nav-inner .lang{margin-left:auto}
  }
  @media (max-width:560px){
    .wrap,.nav-inner,.hero-inner,.statement .inner{padding-left:20px;padding-right:20px}
    .nav-inner{gap:12px}
    .nav-inner > .btn{display:none}
    .row2{grid-template-columns:1fr;gap:0}
    form{padding:24px 20px}
    .foot-cols{gap:34px}
    .legal{padding:52px 0 72px}
  }