/* Visa Cart — thevisacart.com
   Deliberately NOT the Visa Mentor design: serif headings, warm ground, navy
   and red, form-first hero. The two brands share an owner, not a look. */

:root{
  --ink:#16276B;
  --ink-2:#3A4262;
  --ink-3:#6E7692;
  --line:#E8E2DA;
  --line-2:#D9E0EE;
  --bg:#FFFCF9;
  --tint:#FBF5EF;
  --paper:#FFFFFF;

  --navy:#1F3A93;
  --navy-d:#16276B;
  --red:#E8402A;
  --red-d:#C42E1A;
  --orange:#F26B38;
  --sky:#1FA3DC;

  --r:12px;
  --r-lg:18px;
  --sh-1:0 1px 2px rgba(22,39,107,.05),0 2px 8px rgba(22,39,107,.05);
  --sh-2:0 10px 30px rgba(22,39,107,.09),0 2px 8px rgba(22,39,107,.05);
  --sh-3:0 28px 64px rgba(22,39,107,.15),0 6px 18px rgba(22,39,107,.07);

  --f-disp:"Source Serif 4",ui-serif,Georgia,"Times New Roman",serif;
  --f-body:"Inter",ui-sans-serif,system-ui,-apple-system,"Segoe UI",sans-serif;

  --pad:clamp(18px,4vw,40px);
  --gap:clamp(18px,2.4vw,28px);
}

*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
body{
  margin:0;background:var(--bg);color:var(--ink-2);
  font-family:var(--f-body);font-size:16.5px;line-height:1.68;
  -webkit-font-smoothing:antialiased;overflow-x:hidden;
}
img,svg{max-width:100%;display:block}
a{color:var(--navy);text-decoration:none}
a:hover{color:var(--red-d)}
h1,h2,h3,h4{font-family:var(--f-disp);color:var(--ink);margin:0;line-height:1.18;letter-spacing:-.012em;font-weight:700}
p{margin:0}
ul,ol{margin:0;padding:0}
:focus-visible{outline:3px solid var(--orange);outline-offset:2px;border-radius:5px}

.skip{position:absolute;left:-9999px;top:0;background:var(--ink);color:#fff;padding:12px 18px;z-index:200}
.skip:focus{left:8px;top:8px;color:#fff}

.wrap{width:min(1180px,100% - var(--pad)*2);margin-inline:auto}
.wrap--narrow{width:min(800px,100% - var(--pad)*2)}

/* ---------- buttons ---------- */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:.5em;
  font-family:var(--f-body);font-weight:600;font-size:.95rem;
  padding:.78em 1.35em;border-radius:8px;border:1.5px solid transparent;cursor:pointer;
  transition:transform .18s cubic-bezier(.2,.7,.3,1),box-shadow .18s,background .18s,color .18s,border-color .18s;
  white-space:nowrap;text-align:center;
}
.btn--lg{font-size:1rem;padding:.9em 1.7em}
.btn--full{width:100%}
.btn--solid{background:var(--red);color:#fff;box-shadow:0 6px 18px rgba(232,64,42,.26)}
.btn--solid:hover{background:var(--red-d);color:#fff;transform:translateY(-2px);box-shadow:0 10px 26px rgba(232,64,42,.32)}
.btn--line{border-color:var(--line-2);color:var(--navy);background:#fff}
.btn--line:hover{border-color:var(--navy);color:var(--navy-d);transform:translateY(-2px)}
.btn--light{background:#fff;color:var(--navy-d)}
.btn--light:hover{background:#fff;color:var(--red-d);transform:translateY(-2px)}
.btn:active{transform:translateY(0)}
.btn[disabled]{opacity:.6;cursor:not-allowed;transform:none!important}

.eyebrow{
  font-family:var(--f-body);font-weight:700;font-size:.74rem;letter-spacing:.15em;
  text-transform:uppercase;color:var(--red);margin-bottom:.8rem;
}
.eyebrow--light{color:rgba(255,255,255,.8)}

/* ---------- header ---------- */
.hdr{
  position:sticky;top:0;z-index:100;background:rgba(255,252,249,.9);
  backdrop-filter:saturate(180%) blur(14px);-webkit-backdrop-filter:saturate(180%) blur(14px);
  border-bottom:1px solid transparent;transition:border-color .25s,box-shadow .25s;
}
.hdr.is-stuck{border-bottom-color:var(--line);box-shadow:0 4px 20px rgba(22,39,107,.05)}
.hdr__in{display:flex;align-items:center;gap:clamp(12px,2vw,30px);min-height:76px}
.hdr__brand img{width:118px;height:auto}
.hdr__nav{display:flex;gap:clamp(12px,1.5vw,24px);margin-left:auto}
.hdr__nav a{font-weight:600;font-size:.92rem;color:var(--ink-2);padding:.4em 0;position:relative}
.hdr__nav a::after{
  content:"";position:absolute;left:0;right:100%;bottom:0;height:2px;background:var(--red);
  transition:right .25s cubic-bezier(.2,.7,.3,1);
}
.hdr__nav a:hover{color:var(--ink)}
.hdr__nav a:hover::after{right:0}
.hdr__act{display:flex;align-items:center;gap:14px}
.tel{display:inline-flex;align-items:center;gap:.45em;font-weight:600;font-size:.9rem;color:var(--ink)}
.tel svg{width:16px;height:16px;color:var(--red)}
.tel:hover{color:var(--red-d)}

.burger{display:none;width:44px;height:44px;border:0;background:transparent;cursor:pointer;padding:10px;margin-left:auto}
.burger span{display:block;height:2px;background:var(--ink);border-radius:2px;transition:transform .28s,opacity .2s}
.burger span+span{margin-top:5px}
.burger[aria-expanded="true"] span:nth-child(1){transform:translateY(7px) rotate(45deg)}
.burger[aria-expanded="true"] span:nth-child(2){opacity:0}
.burger[aria-expanded="true"] span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}

/* ---------- hero: copy + form ---------- */
.hero{position:relative;padding:clamp(40px,5.5vw,76px) 0 clamp(48px,6vw,86px);overflow:hidden}
.hero::before{
  content:"";position:absolute;inset:-40% -25% auto -25%;height:160%;
  background:
    radial-gradient(46% 44% at 12% 18%,rgba(31,58,147,.10),transparent 70%),
    radial-gradient(42% 40% at 88% 22%,rgba(242,107,56,.13),transparent 70%);
  pointer-events:none;
}
.hero__in{position:relative;display:grid;grid-template-columns:1.06fr .94fr;gap:clamp(28px,4vw,58px);align-items:start}
.hero h1{font-size:clamp(2.05rem,4.1vw,3.15rem);letter-spacing:-.022em}
/* The italic serif's right overhang eats the following space, so "before you"
   reads as one word. Buy the space back rather than adding an  . */
.hero h1 em{font-style:italic;color:var(--red);margin-inline-end:.09em}
.lede{font-size:clamp(1.02rem,1.4vw,1.14rem);color:var(--ink-2);margin-top:1.15rem;max-width:46ch}
.hero__pts{list-style:none;margin-top:1.6rem;display:grid;gap:.6rem}
.hero__pts li{position:relative;padding-left:1.9em;font-size:.98rem;color:var(--ink-2)}
.hero__pts li::before{
  content:"";position:absolute;left:0;top:.5em;width:11px;height:6px;
  border-left:2.4px solid var(--red);border-bottom:2.4px solid var(--red);
  rotate:-45deg;
}
.hero__meta{display:flex;flex-wrap:wrap;gap:clamp(18px,3vw,36px);margin-top:2rem;padding-top:1.5rem;border-top:1px solid var(--line)}
.hero__meta strong{display:block;font-family:var(--f-disp);font-size:1.55rem;color:var(--ink);line-height:1.1}
.hero__meta span{font-size:.87rem;color:var(--ink-3)}

/* ---------- form ---------- */
.form{background:var(--paper);border:1px solid var(--line);border-radius:var(--r-lg);
  padding:clamp(20px,2.8vw,32px);box-shadow:var(--sh-3)}
.form__t{font-size:1.35rem}
.form__s{font-size:.9rem;color:var(--ink-3);margin:.35rem 0 1.3rem}
.f2{display:grid;grid-template-columns:1fr 1fr;gap:13px}
.fld{margin-bottom:13px}
.fld label{display:block;font-weight:600;font-size:.84rem;color:var(--ink);margin-bottom:.38em}
.fld label span{color:var(--red)}
.fld input,.fld select,.fld textarea{
  width:100%;font-family:var(--f-body);font-size:.96rem;color:var(--ink);
  padding:.68em .85em;border:1.5px solid var(--line-2);border-radius:9px;background:#fff;
  transition:border-color .18s,box-shadow .18s;
}
.fld textarea{resize:vertical;min-height:100px}
.fld input:focus,.fld select:focus,.fld textarea:focus{
  outline:none;border-color:var(--navy);box-shadow:0 0 0 4px rgba(31,58,147,.12);
}
.fld input[aria-invalid="true"],.fld textarea[aria-invalid="true"]{border-color:var(--red);box-shadow:0 0 0 4px rgba(232,64,42,.13)}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.form__note{margin-top:.9rem;font-size:.91rem;font-weight:600;min-height:1.2em}
.form__note.ok{color:#1A7F4F}
.form__note.err{color:var(--red-d)}
.form__fine{margin-top:.7rem;font-size:.81rem;color:var(--ink-3)}

/* ---------- band ---------- */
.band{background:var(--ink);color:#fff}
.band__in{display:flex;align-items:center;justify-content:space-between;gap:20px;flex-wrap:wrap;padding:1.1rem 0}
.band__tag{font-family:var(--f-disp);font-style:italic;font-size:1.12rem;color:#fff}
.band__txt{font-size:.86rem;color:rgba(255,255,255,.66)}

/* ---------- sections ---------- */
.sec{padding:clamp(52px,7vw,98px) 0}
.sec--tint{background:var(--tint)}
.sec__head{max-width:62ch;margin-bottom:clamp(28px,3.6vw,48px)}
.sec__head--center{margin-inline:auto;text-align:center}
.sec__head h2{font-size:clamp(1.65rem,3.1vw,2.4rem)}
.sec__sub{margin-top:.85rem;font-size:1.02rem;color:var(--ink-3)}

.js [data-rv]{opacity:0;transform:translateY(16px)}
.js [data-rv].in{opacity:1;transform:none;transition:opacity .6s ease,transform .6s cubic-bezier(.2,.7,.3,1)}
@media (prefers-reduced-motion:reduce){.js [data-rv]{opacity:1;transform:none}}

/* ---------- steps ---------- */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:clamp(20px,3vw,40px)}
.steps article{position:relative;padding-left:clamp(52px,4vw,64px)}
.steps__n{
  position:absolute;left:0;top:-4px;width:40px;height:40px;border-radius:50%;
  display:grid;place-items:center;background:var(--ink);color:#fff;
  font-family:var(--f-disp);font-weight:700;font-size:1.05rem;
}
.steps h3{font-size:1.18rem;margin-bottom:.5rem}
.steps p{font-size:.95rem;color:var(--ink-3)}

/* ---------- service rows ---------- */
.rows{display:grid;grid-template-columns:1fr 1fr;gap:0 clamp(24px,4vw,56px)}
.row{padding:clamp(20px,2.4vw,28px) 0;border-top:1px solid var(--line)}
.row h3{font-size:1.22rem;display:flex;align-items:baseline;gap:.65em;margin-bottom:.75rem}
.row__i{font-family:var(--f-body);font-weight:700;font-size:.76rem;color:var(--red);letter-spacing:.08em}
.row ul{list-style:none}
.row li{position:relative;padding-left:1.3em;font-size:.94rem;color:var(--ink-3)}
.row li+li{margin-top:.45em}
.row li::before{content:"";position:absolute;left:0;top:.66em;width:6px;height:6px;border-radius:50%;background:var(--orange)}

.extras{margin-top:clamp(28px,3.4vw,42px);background:var(--paper);border:1px solid var(--line);
  border-radius:var(--r-lg);padding:clamp(20px,2.6vw,28px)}
.extras__t{font-family:var(--f-disp);font-weight:700;color:var(--ink);font-size:1.05rem;margin-bottom:.9rem}
.extras ul{list-style:none;display:flex;flex-wrap:wrap;gap:9px}
.extras li{background:var(--tint);border:1px solid var(--line);color:var(--ink-2);font-size:.87rem;
  font-weight:500;padding:.4em .9em;border-radius:999px}

/* ---------- country desks ---------- */
.desks{display:grid;grid-template-columns:repeat(3,1fr);gap:var(--gap)}
.desk{
  background:var(--paper);border:1px solid var(--line);border-radius:var(--r-lg);
  padding:clamp(20px,2.4vw,28px);box-shadow:var(--sh-1);
  transition:transform .25s cubic-bezier(.2,.7,.3,1),box-shadow .25s,border-color .25s;
}
.desk:hover{transform:translateY(-4px);box-shadow:var(--sh-2);border-color:#CDD6E8}
.desk__cc{
  display:inline-grid;place-items:center;min-width:40px;height:26px;padding:0 .5em;margin-bottom:.9rem;
  border-radius:6px;background:var(--ink);color:#fff;
  font-weight:700;font-size:.74rem;letter-spacing:.08em;
}
.desk h3{font-size:1.16rem;margin-bottom:.5rem}
.desk p{font-size:.93rem;color:var(--ink-3)}
.desk em{font-style:italic;color:var(--ink-2)}

/* ---------- CBI ---------- */
.cbi{background:var(--ink);color:rgba(255,255,255,.78);padding:clamp(48px,6vw,84px) 0;position:relative;overflow:hidden}
.cbi::before{
  content:"";position:absolute;inset:-40% -10% auto 50%;height:180%;
  background:radial-gradient(46% 46% at 50% 50%,rgba(242,107,56,.30),transparent 70%);pointer-events:none;
}
.cbi__in{position:relative;display:flex;align-items:center;justify-content:space-between;gap:clamp(24px,4vw,52px);flex-wrap:wrap}
.cbi__in>div{max-width:62ch}
.cbi h2{color:#fff;font-size:clamp(1.6rem,2.9vw,2.2rem);margin-bottom:.8rem}
.cbi>.wrap>div>p{font-size:1rem}
.cbi__list{list-style:none;margin-top:1.4rem;display:grid;gap:.55rem}
.cbi__list li{font-size:.94rem;color:rgba(255,255,255,.72)}
.cbi__list b{display:inline-block;min-width:92px;color:#fff;font-weight:600}
.cbi .btn{flex:none}

/* ---------- accordion ---------- */
.acc{display:grid;gap:10px}
.acc details{background:var(--paper);border:1px solid var(--line);border-radius:var(--r);overflow:hidden;
  transition:box-shadow .25s,border-color .25s}
.acc details[open]{box-shadow:var(--sh-2);border-color:#CDD6E8}
.acc summary{
  cursor:pointer;list-style:none;padding:1em clamp(16px,2vw,22px);padding-right:3em;
  font-family:var(--f-disp);font-weight:700;color:var(--ink);font-size:1.05rem;position:relative;
}
.acc summary::-webkit-details-marker{display:none}
.acc summary::after{
  content:"";position:absolute;right:clamp(16px,2vw,22px);top:50%;width:9px;height:9px;
  border-right:2px solid var(--ink-3);border-bottom:2px solid var(--ink-3);
  translate:0 -70%;rotate:45deg;transition:rotate .25s,border-color .25s;
}
.acc details[open] summary::after{rotate:-135deg;translate:0 -25%;border-color:var(--red)}
.acc summary:hover{background:var(--tint)}
.acc p{padding:0 clamp(16px,2vw,22px) 1.25em;color:var(--ink-3);font-size:.96rem;max-width:72ch}

/* ---------- end band ---------- */
.end{padding:clamp(44px,5.5vw,76px) 0;border-top:1px solid var(--line)}
.end__in{display:flex;align-items:center;justify-content:space-between;gap:clamp(20px,3vw,44px);flex-wrap:wrap}
.end h2{font-size:clamp(1.5rem,2.6vw,2.05rem)}
.end p{margin-top:.6rem;color:var(--ink-3);max-width:48ch}
.end__act{display:flex;gap:12px;flex-wrap:wrap}

/* ---------- footer ---------- */
.ftr{background:var(--ink);color:rgba(255,255,255,.66);padding:clamp(42px,5.5vw,70px) 0 0}
.ftr__in{display:grid;grid-template-columns:1.7fr 1fr 1fr 1.2fr;gap:clamp(24px,3vw,44px)}
.ftr__brand img{width:150px;height:auto;margin-bottom:1.1rem;filter:brightness(0) invert(1);opacity:.95}
.ftr__brand p{font-size:.89rem;max-width:40ch;line-height:1.7}
.ftr__col h3{color:#fff;font-family:var(--f-body);font-size:.78rem;letter-spacing:.13em;text-transform:uppercase;margin-bottom:1rem}
.ftr__col a{display:block;color:rgba(255,255,255,.66);font-size:.91rem;padding:.26em 0;transition:color .18s}
.ftr__col a:hover{color:#fff}
.ftr__addr{font-size:.89rem;margin-top:.8rem;line-height:1.7}
.ftr__base{
  margin-top:clamp(30px,4vw,50px);padding:1.4rem 0;border-top:1px solid rgba(255,255,255,.12);
  display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;font-size:.82rem;
}
.ftr__legal{max-width:64ch;color:rgba(255,255,255,.44)}

.totop{
  position:fixed;right:20px;bottom:20px;z-index:90;width:44px;height:44px;border-radius:50%;
  background:var(--ink);color:#fff;display:grid;place-items:center;font-size:1.1rem;
  box-shadow:var(--sh-2);opacity:0;pointer-events:none;transform:translateY(10px);
  transition:opacity .25s,transform .25s;
}
.totop.on{opacity:1;pointer-events:auto;transform:none}
.totop:hover{color:#fff;background:var(--red)}

/* ---------- responsive ---------- */
@media (max-width:1040px){
  .hero__in{grid-template-columns:1fr;gap:38px}
  .hero__form{max-width:560px}
  .steps{grid-template-columns:1fr}
  .steps article{padding-left:56px}
  .desks{grid-template-columns:1fr 1fr}
  .ftr__in{grid-template-columns:1fr 1fr}
  .ftr__brand{grid-column:1/-1}
}
@media (max-width:860px){
  .hdr__nav{
    position:fixed;inset:76px 0 auto;background:var(--bg);border-bottom:1px solid var(--line);
    flex-direction:column;gap:0;padding:8px var(--pad) 18px;margin:0;box-shadow:var(--sh-2);display:none;
  }
  .hdr__nav.is-open{display:flex}
  .hdr__nav a{padding:.8em 0;border-bottom:1px solid var(--line);font-size:1rem}
  .hdr__nav a::after{display:none}
  .hdr__act{margin-left:auto}
  .tel span{display:none}
  .rows{grid-template-columns:1fr}
}
@media (max-width:620px){
  body{font-size:16px}
  .hdr__in{min-height:66px;gap:8px}
  .hdr__brand img{width:96px}
  .hdr__nav{inset-block-start:66px}
  .hdr__act .btn{font-size:.84rem;padding:.62em 1em}
  .burger{display:block;margin-left:2px}
  .desks,.f2{grid-template-columns:1fr}
  .band__in{gap:6px;padding:.95rem 0}
  .hero__meta{gap:18px}
  .end__act .btn{width:100%}
  .cbi__list b{display:block;min-width:0}
  .totop{right:14px;bottom:14px}
}
@media (max-width:860px) and (min-width:621px){
  .burger{display:block;margin-left:2px}
}