/* ==========================================================================
   SILC — public website + sign-in pages
   ========================================================================== */

:root {
  --navy: #0B2540;
  --navy-2: #12355A;
  --navy-3: #071a2e;
  --teal: #0B8A8A;
  --teal-2: #097676;
  --teal-soft: #E3F4F4;
  --gold: #D4A017;
  --gold-soft: #FBF3DC;
  --slate: #5B6B7A;
  --ink: #0B2540;
  --muted: #5B6B7A;
  --line: #E3E8EE;
  --off: #F7FAFC;
  --white: #ffffff;
  --danger: #C2410C;
  --radius: 16px;
  --radius-sm: 10px;
  --shadow-sm: 0 1px 2px rgba(11, 37, 64, .06), 0 1px 3px rgba(11, 37, 64, .05);
  --shadow: 0 10px 30px -12px rgba(11, 37, 64, .18), 0 2px 6px rgba(11, 37, 64, .05);
  --shadow-lg: 0 30px 60px -20px rgba(11, 37, 64, .35);
  --font: 'Plus Jakarta Sans', system-ui, -apple-system, 'Segoe UI', Roboto, sans-serif;
  --header-h: 72px;
}

*, *::before, *::after { box-sizing: border-box; }
* { margin: 0; padding: 0; }
html { scroll-behavior: smooth; scroll-padding-top: calc(var(--header-h) + 12px); }
body { font-family: var(--font); color: var(--ink); background: var(--white); line-height: 1.65; -webkit-font-smoothing: antialiased; }
img, svg { display: block; max-width: 100%; }
a { color: var(--teal); }
button, input, textarea, select { font: inherit; color: inherit; }
ul { list-style: none; }

.container { width: 100%; max-width: 1180px; margin: 0 auto; padding: 0 24px; }
.icon { display: inline-flex; align-items: center; justify-content: center; flex-shrink: 0; }

.skip-link { position: absolute; left: -999px; top: 8px; background: var(--navy); color: #fff; padding: 8px 14px; border-radius: 8px; z-index: 1000; }
.skip-link:focus { left: 8px; }
:focus-visible { outline: 3px solid color-mix(in srgb, var(--teal) 55%, transparent); outline-offset: 2px; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  padding: 12px 22px; border-radius: 999px; border: 1.5px solid transparent;
  font-weight: 700; font-size: .95rem; text-decoration: none; cursor: pointer;
  transition: transform .15s ease, background .2s ease, box-shadow .2s ease, color .2s ease, border-color .2s ease;
  white-space: nowrap;
}
.btn:hover { transform: translateY(-1px); }
.btn:active { transform: translateY(0); }
.btn:disabled { opacity: .65; cursor: not-allowed; transform: none; }
.btn-primary { background: var(--teal); color: #fff; box-shadow: 0 8px 20px -8px rgba(11, 138, 138, .7); }
.btn-primary:hover { background: var(--teal-2); }
.btn-gold { background: var(--gold); color: var(--navy); box-shadow: 0 10px 24px -10px rgba(212, 160, 23, .8); }
.btn-gold:hover { background: #e2ae22; }
.btn-ghost-light { color: #fff; border-color: rgba(255, 255, 255, .35); }
.btn-ghost-light:hover { background: rgba(255, 255, 255, .1); border-color: rgba(255, 255, 255, .6); }
.btn-outline { color: var(--navy); border-color: var(--line); background: #fff; }
.btn-outline:hover { border-color: var(--teal); color: var(--teal); }
.btn-sm { padding: 8px 16px; font-size: .875rem; }
.btn-block { width: 100%; }

.spinner { width: 14px; height: 14px; border-radius: 50%; border: 2px solid currentColor; border-right-color: transparent; animation: spin .7s linear infinite; }
@keyframes spin { to { transform: rotate(360deg); } }

/* ---------- Header ---------- */
.site-header {
  position: sticky; top: 0; z-index: 100; height: var(--header-h);
  background: rgba(255, 255, 255, .82); backdrop-filter: saturate(180%) blur(14px);
  border-bottom: 1px solid transparent; transition: border-color .2s, box-shadow .2s;
}
.site-header.scrolled { border-bottom-color: var(--line); box-shadow: 0 6px 20px -16px rgba(11, 37, 64, .4); }
.nav { height: 100%; display: flex; align-items: center; gap: 28px; }

.logo { display: flex; align-items: center; gap: 10px; text-decoration: none; color: var(--navy); flex-shrink: 0; }
.logo-text { display: flex; flex-direction: column; line-height: 1.1; }
.logo-text strong { font-size: 1.35rem; font-weight: 800; letter-spacing: -.02em; }
.logo-text strong .accent { color: var(--teal); }
.logo-text small { font-size: .62rem; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; color: var(--slate); }
.logo-light { color: #fff; }
.logo-light .logo-text small { color: rgba(255, 255, 255, .6); }
.logo-light .logo-text strong .accent { color: #5fd0d0; }

.nav-links { display: flex; gap: 4px; margin-left: auto; }
.nav-links > a { padding: 8px 12px; border-radius: 999px; text-decoration: none; color: var(--navy); font-weight: 600; font-size: .92rem; transition: background .15s, color .15s; }
.nav-links > a:hover { background: var(--teal-soft); color: var(--teal-2); }
.nav-links > a.active { color: var(--teal); }
.nav-auth { display: flex; gap: 8px; align-items: center; }
.nav-auth-mobile { display: none; }

.menu-toggle { display: none; width: 42px; height: 42px; border: 1px solid var(--line); border-radius: 12px; background: #fff; cursor: pointer; flex-direction: column; justify-content: center; align-items: center; gap: 4px; margin-left: auto; }
.menu-toggle span { width: 18px; height: 2px; background: var(--navy); border-radius: 2px; transition: transform .2s, opacity .2s; }
.menu-toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(6px) rotate(45deg); }
.menu-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.menu-toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-6px) rotate(-45deg); }

/* ---------- Hero ---------- */
.hero {
  position: relative; overflow: hidden; color: #fff;
  background:
    linear-gradient(rgba(255, 255, 255, .04) 1px, transparent 1px) 0 0 / 44px 44px,
    linear-gradient(90deg, rgba(255, 255, 255, .04) 1px, transparent 1px) 0 0 / 44px 44px,
    linear-gradient(160deg, var(--navy) 0%, var(--navy-3) 100%);
  padding: 88px 0 56px;
}
.hero-glow { position: absolute; inset: 0; pointer-events: none;
  background:
    radial-gradient(600px 400px at 85% 20%, rgba(11, 138, 138, .45), transparent 60%),
    radial-gradient(500px 360px at 10% 90%, rgba(212, 160, 23, .18), transparent 60%); }
.hero-grid { position: relative; display: grid; grid-template-columns: 1.15fr .85fr; gap: 48px; align-items: center; }
.hero h1 { font-size: clamp(2.2rem, 4.6vw, 3.6rem); line-height: 1.08; letter-spacing: -.035em; font-weight: 800; margin: 18px 0 18px; text-wrap: balance; }
.hero .lead { font-size: 1.12rem; color: rgba(255, 255, 255, .78); max-width: 560px; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 32px; }

.eyebrow { display: inline-flex; align-items: center; gap: 8px; font-size: .78rem; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; color: var(--teal); background: var(--teal-soft); padding: 6px 12px; border-radius: 999px; }
.eyebrow-light { color: #9fe3e3; background: rgba(11, 138, 138, .22); border: 1px solid rgba(95, 208, 208, .25); }
.spark { color: var(--gold); }

.hero-visual { display: flex; justify-content: center; }
.orbit { position: relative; width: min(400px, 100%); aspect-ratio: 1; }
.orbit::before, .orbit::after { content: ''; position: absolute; border-radius: 50%; border: 1px dashed rgba(255, 255, 255, .18); }
.orbit::before { inset: 6%; }
.orbit::after { inset: 26%; border-style: solid; border-color: rgba(95, 208, 208, .2); }
.orbit-core { position: absolute; inset: 36%; border-radius: 50%; display: grid; place-items: center; background: linear-gradient(145deg, var(--teal), #075e5e); box-shadow: 0 0 0 10px rgba(11, 138, 138, .15), 0 20px 50px rgba(0, 0, 0, .35); font-weight: 800; font-size: 1.5rem; letter-spacing: -.02em; }
.orbit-core .accent { color: var(--gold); }
.orbit-items { position: absolute; inset: 0; animation: orbit 60s linear infinite; }
.orbit-item { position: absolute; left: 50%; top: 50%; width: 64px; height: 64px; margin: -32px; border-radius: 18px; display: grid; place-items: center; font-size: 1.7rem; background: rgba(255, 255, 255, .08); border: 1px solid rgba(255, 255, 255, .16); backdrop-filter: blur(6px); box-shadow: 0 10px 24px rgba(0, 0, 0, .25); }
.orbit-item > span { animation: orbit 60s linear infinite reverse; }
@keyframes orbit { to { transform: rotate(360deg); } }

.stats { position: relative; margin-top: 64px; display: grid; grid-template-columns: repeat(4, 1fr); border: 1px solid rgba(255, 255, 255, .12); border-radius: var(--radius); background: rgba(255, 255, 255, .04); backdrop-filter: blur(6px); }
.stat { padding: 22px 24px; border-left: 1px solid rgba(255, 255, 255, .1); }
.stat:first-child { border-left: 0; }
.stat dt { font-size: 1.9rem; font-weight: 800; letter-spacing: -.03em; color: #fff; }
.stat dd { color: rgba(255, 255, 255, .65); font-size: .9rem; }

/* ---------- Sections ---------- */
.section { padding: 96px 0; }
.section-tint { background: var(--off); }
.section-navy { background: linear-gradient(160deg, var(--navy), var(--navy-3)); color: #fff; }
.section-head { max-width: 640px; margin-bottom: 44px; }
.section-head h2, .fintech-copy h2, .contact-info h2 { font-size: clamp(1.8rem, 3vw, 2.5rem); line-height: 1.15; letter-spacing: -.03em; font-weight: 800; margin: 14px 0 10px; text-wrap: balance; }
.section-head p { color: var(--muted); font-size: 1.05rem; }

.grid { display: grid; gap: 22px; }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-3 { grid-template-columns: repeat(3, 1fr); }

.card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 28px; box-shadow: var(--shadow-sm); }

.arm-card { position: relative; overflow: hidden; transition: transform .2s ease, box-shadow .2s ease, border-color .2s; }
.arm-card::after { content: ''; position: absolute; left: 0; right: 0; top: 0; height: 3px; background: linear-gradient(90deg, var(--teal), var(--gold)); transform: scaleX(0); transform-origin: left; transition: transform .3s ease; }
.arm-card:hover { transform: translateY(-4px); box-shadow: var(--shadow); border-color: transparent; }
.arm-card:hover::after { transform: scaleX(1); }
.arm-icon { width: 56px; height: 56px; border-radius: 16px; display: grid; place-items: center; font-size: 1.7rem; background: var(--teal-soft); margin-bottom: 18px; }
.arm-card h3 { font-size: 1.2rem; letter-spacing: -.01em; margin-bottom: 8px; }
.arm-card p { color: var(--muted); font-size: .96rem; }
.arm-link { display: inline-flex; align-items: center; gap: 6px; margin-top: 16px; font-weight: 700; font-size: .9rem; text-decoration: none; color: var(--teal); background: none; border: 0; cursor: pointer; padding: 0; }
.arm-link .icon { transition: transform .2s; }
.arm-link:hover .icon { transform: translateX(3px); }

/* Projects */
.tabs { display: flex; flex-wrap: wrap; gap: 8px; margin-bottom: 28px; }
.tab { display: inline-flex; align-items: center; gap: 8px; padding: 9px 16px; border-radius: 999px; background: #fff; border: 1px solid var(--line); cursor: pointer; font-weight: 600; font-size: .92rem; color: var(--navy); transition: all .15s; }
.tab:hover { border-color: var(--teal); color: var(--teal); }
.tab[aria-selected="true"] { background: var(--navy); color: #fff; border-color: var(--navy); }
.tab .count { font-size: .75rem; background: rgba(11, 37, 64, .08); padding: 1px 8px; border-radius: 999px; }
.tab[aria-selected="true"] .count { background: rgba(255, 255, 255, .18); }
.project-card { display: flex; flex-direction: column; gap: 10px; animation: rise .35s ease both; }
.project-card .tag { align-self: flex-start; font-size: .75rem; font-weight: 700; color: var(--teal-2); background: var(--teal-soft); padding: 4px 10px; border-radius: 999px; }
.project-card h3 { font-size: 1.1rem; }
.project-card p { color: var(--muted); font-size: .95rem; }
@keyframes rise { from { opacity: 0; transform: translateY(8px); } }

/* Editorial */
.article-card { display: grid; grid-template-columns: 120px 1fr; gap: 22px; align-items: start; transition: box-shadow .2s, transform .2s; }
.article-card:hover { box-shadow: var(--shadow); transform: translateY(-2px); }
.article-art { aspect-ratio: 1; border-radius: 14px; display: grid; place-items: center; font-weight: 800; font-size: 1.6rem; color: #fff; background: linear-gradient(145deg, var(--teal), var(--navy)); }
.article-card:nth-child(4n+2) .article-art { background: linear-gradient(145deg, var(--navy-2), var(--navy-3)); }
.article-card:nth-child(4n+3) .article-art { background: linear-gradient(145deg, var(--gold), #a87c0b); }
.article-card:nth-child(4n+4) .article-art { background: linear-gradient(145deg, #138f8f, #0b5b77); }
.meta { display: flex; flex-wrap: wrap; gap: 10px; align-items: center; font-size: .8rem; color: var(--muted); margin-bottom: 8px; }
.meta .cat { font-weight: 700; color: var(--teal-2); text-transform: uppercase; letter-spacing: .08em; }
.article-card h3 { font-size: 1.12rem; line-height: 1.35; margin-bottom: 8px; letter-spacing: -.01em; }
.article-card p { color: var(--muted); font-size: .95rem; }

/* FinTech */
.fintech-layout { display: grid; grid-template-columns: .9fr 1.1fr; gap: 56px; align-items: start; }
.fintech-copy { position: sticky; top: calc(var(--header-h) + 32px); }
.fintech-copy p { color: rgba(255, 255, 255, .75); font-size: 1.05rem; }
.disclaimer { margin-top: 22px; padding: 14px 16px; border-radius: var(--radius-sm); background: rgba(255, 255, 255, .06); border: 1px solid rgba(255, 255, 255, .1); font-size: .85rem !important; color: rgba(255, 255, 255, .6) !important; }
.fintech-list { display: grid; grid-template-columns: repeat(2, 1fr); gap: 16px; }
.fintech-item { padding: 22px; border-radius: var(--radius); background: rgba(255, 255, 255, .05); border: 1px solid rgba(255, 255, 255, .1); transition: background .2s, border-color .2s; }
.fintech-item:hover { background: rgba(255, 255, 255, .08); border-color: rgba(95, 208, 208, .4); }
.fintech-item .check { width: 34px; height: 34px; border-radius: 10px; display: grid; place-items: center; background: rgba(11, 138, 138, .3); color: #7fe0e0; margin-bottom: 14px; }
.fintech-item h3 { font-size: 1.02rem; margin-bottom: 6px; }
.fintech-item p { font-size: .9rem; color: rgba(255, 255, 255, .65); }

/* Donate */
.donate-card { position: relative; overflow: hidden; display: flex; flex-direction: column; gap: 14px; padding: 34px; }
.donate-card::before { content: ''; position: absolute; right: -60px; top: -60px; width: 200px; height: 200px; border-radius: 50%; background: radial-gradient(circle, var(--gold-soft), transparent 70%); }
.donate-card .heart { position: relative; width: 48px; height: 48px; border-radius: 14px; display: grid; place-items: center; background: var(--gold-soft); color: #a87c0b; }
.donate-card h3 { position: relative; font-size: 1.35rem; letter-spacing: -.02em; }
.donate-card p { position: relative; color: var(--muted); }
.impact { position: relative; padding: 12px 14px; border-left: 3px solid var(--gold); background: var(--off); border-radius: 0 10px 10px 0; font-size: .93rem; color: var(--navy) !important; }
.donate-card .btn { position: relative; align-self: flex-start; margin-top: auto; }
.note { margin-top: 26px; color: var(--muted); font-size: .92rem; max-width: 760px; }

/* Contact */
.contact-layout { display: grid; grid-template-columns: .9fr 1.1fr; gap: 56px; align-items: start; }
.contact-info > p { color: var(--muted); font-size: 1.05rem; }
.contact-list { margin-top: 28px; display: grid; gap: 14px; }
.contact-list li { display: flex; gap: 14px; align-items: center; }
.contact-list .ci { width: 44px; height: 44px; border-radius: 12px; display: grid; place-items: center; background: #fff; border: 1px solid var(--line); color: var(--teal); }
.contact-list small { display: block; color: var(--muted); font-size: .78rem; font-weight: 600; text-transform: uppercase; letter-spacing: .08em; }
.contact-list a, .contact-list span.v { color: var(--navy); font-weight: 600; text-decoration: none; white-space: pre-line; }
.contact-form { padding: 32px; display: grid; gap: 16px; box-shadow: var(--shadow); }
.contact-form h3 { font-size: 1.25rem; letter-spacing: -.01em; }

/* Forms (shared with sign-in pages) */
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
label { display: grid; gap: 6px; font-weight: 600; font-size: .88rem; color: var(--navy); }
input, textarea, select { width: 100%; padding: 11px 14px; border: 1.5px solid var(--line); border-radius: var(--radius-sm); background: #fff; font-size: .95rem; font-weight: 500; transition: border-color .15s, box-shadow .15s; }
textarea { resize: vertical; min-height: 110px; }
input:focus, textarea:focus, select:focus { outline: none; border-color: var(--teal); box-shadow: 0 0 0 4px rgba(11, 138, 138, .12); }
.hint { font-weight: 500; color: var(--muted); font-size: .8rem; }
.hp { position: absolute; left: -10000px; width: 1px; height: 1px; overflow: hidden; }
.form-error { color: var(--danger); font-size: .9rem; font-weight: 600; min-height: 0; }
.form-error:empty { display: none; }
.form-success { display: flex; gap: 12px; align-items: center; padding: 14px 16px; border-radius: var(--radius-sm); background: var(--teal-soft); color: var(--teal-2); font-weight: 600; }

/* ---------- Footer ---------- */
.site-footer { background: var(--navy-3); color: rgba(255, 255, 255, .7); padding: 64px 0 28px; font-size: .93rem; }
.footer-grid { display: grid; grid-template-columns: 1.6fr 1fr 1fr; gap: 40px; }
.footer-grid p { margin-top: 16px; max-width: 380px; }
.site-footer h4 { color: #fff; font-size: .82rem; letter-spacing: .14em; text-transform: uppercase; margin-bottom: 14px; }
.site-footer ul { display: grid; gap: 8px; }
.site-footer a { color: rgba(255, 255, 255, .75); text-decoration: none; }
.site-footer a:hover { color: #7fe0e0; }
.footer-bottom { display: flex; flex-wrap: wrap; justify-content: space-between; gap: 12px; margin-top: 48px; padding-top: 24px; border-top: 1px solid rgba(255, 255, 255, .1); font-size: .85rem; color: rgba(255, 255, 255, .5); }

/* ---------- Toasts ---------- */
.toasts { position: fixed; right: 20px; bottom: 20px; display: grid; gap: 10px; z-index: 2000; }
.toast { display: flex; align-items: center; gap: 10px; padding: 12px 16px; border-radius: 12px; background: var(--navy); color: #fff; font-weight: 600; font-size: .9rem; box-shadow: var(--shadow-lg); animation: rise .25s ease; transition: opacity .35s, transform .35s; max-width: 380px; }
.toast-success .icon { color: #7fe0e0; }
.toast-error { background: #7c2d12; }
.toast.leaving { opacity: 0; transform: translateY(8px); }

/* ---------- Scroll reveal ---------- */
.js .reveal { opacity: 0; transform: translateY(18px); transition: opacity .6s ease, transform .6s ease; }
.js .reveal.visible { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  .js .reveal { opacity: 1; transform: none; transition: none; }
  .orbit-items, .orbit-item > span { animation: none; }
}

/* ---------- Auth pages ---------- */
.auth-page { min-height: 100vh; display: grid; grid-template-columns: 1fr 1fr; background: var(--off); }
.auth-aside { position: relative; overflow: hidden; color: #fff; padding: 48px; display: flex; flex-direction: column; justify-content: space-between;
  background:
    radial-gradient(500px 360px at 90% 10%, rgba(11, 138, 138, .5), transparent 60%),
    radial-gradient(400px 300px at 0% 100%, rgba(212, 160, 23, .2), transparent 60%),
    linear-gradient(160deg, var(--navy), var(--navy-3)); }
.auth-aside h2 { font-size: clamp(1.8rem, 3vw, 2.6rem); line-height: 1.1; letter-spacing: -.03em; margin: 18px 0 14px; max-width: 460px; }
.auth-aside p { color: rgba(255, 255, 255, .72); max-width: 420px; }
.auth-points { display: grid; gap: 12px; margin-top: 28px; }
.auth-points li { display: flex; gap: 10px; align-items: center; color: rgba(255, 255, 255, .85); font-weight: 500; }
.auth-points .icon { width: 28px; height: 28px; border-radius: 8px; background: rgba(11, 138, 138, .35); color: #9fe3e3; }
.auth-main { display: grid; place-items: center; padding: 48px 24px; }
.auth-card { width: 100%; max-width: 420px; }
.auth-card h1 { font-size: 1.9rem; letter-spacing: -.03em; margin-bottom: 6px; }
.auth-card > p { color: var(--muted); margin-bottom: 28px; }
.auth-card form { display: grid; gap: 16px; }
.auth-switch { margin-top: 22px; text-align: center; color: var(--muted); font-size: .93rem; }
.auth-switch a { font-weight: 700; text-decoration: none; }
.back-home { display: inline-flex; align-items: center; gap: 6px; color: var(--muted); font-weight: 600; font-size: .9rem; text-decoration: none; margin-bottom: 32px; }
.back-home:hover { color: var(--teal); }
.pw-field { position: relative; }
.pw-field input { padding-right: 70px; }
.pw-toggle { position: absolute; right: 8px; top: 50%; transform: translateY(-50%); border: 0; background: none; color: var(--teal); font-weight: 700; font-size: .8rem; cursor: pointer; padding: 6px 8px; }

/* 404 */
.not-found { min-height: 100vh; display: grid; place-items: center; text-align: center; padding: 24px; background: var(--off); }
.not-found h1 { font-size: 5rem; letter-spacing: -.05em; color: var(--teal); line-height: 1; }
.not-found p { color: var(--muted); margin: 12px 0 24px; }

/* ---------- Responsive ---------- */
@media (max-width: 1080px) {
  .nav-links > a { padding: 8px 9px; font-size: .88rem; }
}

@media (max-width: 960px) {
  .hero-grid, .fintech-layout, .contact-layout { grid-template-columns: 1fr; }
  .hero-visual { display: none; }
  .grid-3 { grid-template-columns: repeat(2, 1fr); }
  .stats { grid-template-columns: repeat(2, 1fr); }
  .stat:nth-child(3) { border-left: 0; }
  .stat:nth-child(n+3) { border-top: 1px solid rgba(255, 255, 255, .1); }
  .fintech-copy { position: static; }
  .auth-page { grid-template-columns: 1fr; }
  .auth-aside { display: none; }

  .menu-toggle { display: flex; }
  .nav > .nav-auth { display: none; }
  .nav-links {
    position: absolute; top: var(--header-h); left: 0; right: 0; margin: 0;
    flex-direction: column; gap: 2px; padding: 12px 16px 20px;
    background: #fff; border-bottom: 1px solid var(--line); box-shadow: 0 20px 30px -20px rgba(11, 37, 64, .3);
    display: none;
  }
  .nav-links.open { display: flex; }
  .nav-links > a { padding: 12px 14px; font-size: 1rem; }
  .nav-auth-mobile { display: flex; padding: 12px 14px 0; border-top: 1px solid var(--line); margin-top: 8px; }
}

@media (max-width: 640px) {
  .container { padding: 0 16px; }
  .section { padding: 68px 0; }
  .hero { padding: 56px 0 40px; }
  .grid-2, .grid-3, .fintech-list, .form-row, .footer-grid { grid-template-columns: 1fr; }
  .article-card { grid-template-columns: 1fr; }
  .article-art { aspect-ratio: auto; height: 90px; }
  .stat { padding: 16px; }
  .stat dt { font-size: 1.5rem; }
  .contact-form, .donate-card { padding: 22px; }
  .card { padding: 22px; }
  .hero-actions .btn { flex: 1; }
}