/* 1st Finance dark-luxury palette — keeps the supplied NeoLee W3 layout intact */
:root{
  --ink:#f6f2ff;--ink-2:#e5def2;--muted:#aaa2b8;--muted-2:#81788f;
  --line:rgba(218,198,255,.15);--line-strong:rgba(218,198,255,.27);
  --paper:#090711;--wash:#100d1b;--wash-2:#171126;
  --violet:#a56bff;--violet-2:#c28cff;--cyan:#d6b36f;--cyan-2:#f0d79c;
  --gold:#d8b36e;--gold-soft:#2b2114;
  --shadow-sm:0 12px 36px rgba(0,0,0,.24);
  --shadow-md:0 24px 70px rgba(0,0,0,.34);
  --shadow-lg:0 36px 100px rgba(0,0,0,.48);
}
html,body{background:#090711;color:#f6f2ff}
body{background:radial-gradient(ellipse at 85% 0%,rgba(115,67,188,.13),transparent 36%),#090711}
::selection{background:rgba(165,107,255,.38);color:#fff}
.site-progress{background:linear-gradient(90deg,#8b4cf6,#d8b36e)}
.announcement{background:#07060d;color:#bcb2ce;border-bottom:1px solid rgba(215,179,110,.2)}
.announcement a{color:#e8c98b}
.site-header,.site-header.is-scrolled{background:rgba(9,7,17,.93);border-bottom:1px solid rgba(214,179,111,.18);box-shadow:0 12px 40px rgba(0,0,0,.28);backdrop-filter:blur(18px)}
.desktop-nav a{color:#e6dff1}
.desktop-nav a::after{background:linear-gradient(90deg,#9a5dff,#e0bd79)}
.brand__word{color:#f7f1ff}
.brand__word span:first-child{color:#e0bd79}
.brand__word span:last-child{color:#b78aff}
.menu-button{background:#171122;border-color:rgba(218,198,255,.2)}
.menu-button span{background:#f6f2ff}
.mobile-panel{background:#0d0a16;border-color:var(--line)}
.mobile-panel a{color:#f3edff;border-color:var(--line)}
.button--primary{background:linear-gradient(110deg,#8950f5,#b47aff 58%,#e0bd79);color:#100b18;box-shadow:0 14px 34px rgba(135,75,232,.28)}
.button--primary:hover{box-shadow:0 18px 46px rgba(135,75,232,.4);filter:brightness(1.08)}
.button--ghost,.button--white{color:#f4edff;border-color:rgba(224,198,255,.35);background:rgba(255,255,255,.035)}
.button--ghost:hover,.button--white:hover{background:rgba(165,107,255,.14);border-color:#b88aff}
.button--dark{background:linear-gradient(120deg,#21152f,#171020);color:#fff;border:1px solid rgba(220,190,255,.22)}
.hero{background:radial-gradient(circle at 15% 20%,rgba(139,76,246,.18),transparent 34%),radial-gradient(circle at 82% 28%,rgba(214,179,111,.12),transparent 32%),linear-gradient(180deg,#090711,#100c1a)}
.hero::after{background:linear-gradient(180deg,transparent,rgba(9,7,17,.9))}
.hero__visual{border:1px solid rgba(220,190,255,.2);border-radius:28px;background:#120d1d;box-shadow:0 35px 90px rgba(0,0,0,.48),0 0 60px rgba(145,88,255,.13)}
.hero__visual img{filter:saturate(.82) contrast(1.04)}
.hero__proof{border-color:var(--line)}
.hero__proof div{border-color:var(--line)}
.hero__proof strong{color:#f4edff}
.hero__proof span,.hero-disclaimer{color:#aaa1b8}
.hero-aurora{opacity:.5}
.eyebrow{color:#d9b878}
.eyebrow-live{background:#b68aff;box-shadow:0 0 0 5px rgba(165,107,255,.13)}
.lead,.hero .lead{color:#c1b8cf}
.logo-strip{background:#0d0a16;border-color:var(--line)}
.logo-strip__label{color:#9f94b0}
.logo-strip__item{color:#e8e0f3}
.logo-strip__item span{background:rgba(165,107,255,.13);color:#c49aff}
.guide-switcher{background:#0b0913;border-color:var(--line)}
.guide-switcher__inner>div strong{color:#f5efff}
.guide-link{border-color:rgba(224,198,255,.18);background:linear-gradient(135deg,#1a1128,#100d1a);box-shadow:0 16px 38px rgba(0,0,0,.28)}
.guide-link--gold{background:radial-gradient(circle at 0 0,rgba(216,179,110,.2),transparent 55%),linear-gradient(135deg,#1b1420,#100d18)}
.guide-link--xrp{background:radial-gradient(circle at 0 0,rgba(165,107,255,.24),transparent 55%),linear-gradient(135deg,#19112b,#100d18)}
.guide-link small{color:#e3c27f}
.section{background:#090711}
.section--wash{background:#100d1a}
.section--ink{background:#08070e;color:#f8f3ff}
.section-title,.section h2,.section h3{color:#f4efff}
.section-head>p,.section p{color:var(--muted)}
.section-title .gradient,.gradient{background:linear-gradient(100deg,#f1d59a,#b78aff 54%,#d8b36e);-webkit-background-clip:text;background-clip:text;color:transparent}
.xab-feature-card{border-color:rgba(220,198,255,.16);background:linear-gradient(145deg,rgba(31,23,45,.96),rgba(17,13,27,.92));box-shadow:0 18px 46px rgba(0,0,0,.25),inset 0 1px 0 rgba(255,255,255,.04)}
.xab-feature-card h3{color:#f3edff}
.xab-feature-card p{color:#aaa1b8}
.xab-feature-card>span{background:rgba(165,107,255,.15);color:#c7a0ff}
.xab-feature-card--image:after{background:linear-gradient(180deg,transparent 24%,rgba(7,5,12,.94))}
.xab-feature-card--image h3{color:#fff}
.xab-feature-card--image span{color:#e0bd79}
.motion-story{background:radial-gradient(circle at 12% 8%,rgba(139,76,246,.28),transparent 30%),radial-gradient(circle at 88% 18%,rgba(214,179,111,.13),transparent 33%),#08070f}
.motion-story__intro .eyebrow{color:#e0bd79}
.motion-story__meter{background:rgba(255,255,255,.13)}
.motion-story__meter span{background:linear-gradient(90deg,#9a5dff,#e1bd78)}
.motion-panel{border:1px solid rgba(255,255,255,.14);box-shadow:0 30px 70px rgba(0,0,0,.32)}
.motion-panel--violet{background:linear-gradient(145deg,#24143a,#100c1b)}
.motion-panel--cyan{background:linear-gradient(145deg,#1c2034,#11101b)}
.motion-panel--ink{background:linear-gradient(145deg,#21182c,#0d0b14)}
.motion-panel--gold{background:linear-gradient(145deg,#352719,#15101a)}
.motion-panel--paper{background:linear-gradient(145deg,#282136,#100d19);color:#f7f2ff}
.motion-panel__body p,.motion-panel__chips span{color:rgba(246,240,255,.7)}
.motion-panel__tag{color:#e2c17d}
.motion-panel__number{color:rgba(255,255,255,.22)}
.xab-panel-word{color:rgba(255,255,255,.07)}
.package-card{border-color:rgba(220,198,255,.16);background:linear-gradient(145deg,#1b1427,#100d18);box-shadow:0 18px 50px rgba(0,0,0,.28),inset 0 1px 0 rgba(255,255,255,.04)}
.package-card h3{color:#f7f1ff}
.package-card p{color:#aaa1b8}
.package-card--accent{background:radial-gradient(circle at 90% 0%,rgba(214,179,111,.22),transparent 42%),linear-gradient(145deg,#2a1a3e,#171020);border-color:rgba(216,179,110,.35)}
.package-card--accent>span{color:#e7c982}
.section-disclaimer{color:#958aa5}
.lead-inline-cta{border-color:var(--line);background:rgba(255,255,255,.035)}
.weekly-rail{background:#110d1b;border-color:var(--line);box-shadow:var(--shadow-sm)}
.weekly-rail>div{border-color:var(--line)}
.weekly-rail>div:not(:last-child)::after{background:#171020;border-color:var(--line);color:#c49aff}
.weekly-rail strong{color:#f3edff}
.reward-card{background:linear-gradient(145deg,rgba(255,255,255,.07),rgba(255,255,255,.025));border-color:rgba(220,198,255,.14)}
.reward-card>span{color:#e4c17a;border-color:rgba(220,198,255,.18)}
.reward-card h3{color:#fff}
.reward-card p{color:rgba(245,238,255,.64)}
.learning-photo{background:#110d1b;border:1px solid var(--line)}
.learning-photo::after{background:linear-gradient(180deg,transparent 35%,rgba(7,5,12,.94))}
.learning-photo span{color:#e6c783}
.language-list span{border-color:var(--line);background:rgba(255,255,255,.035);color:#e7def2}
.xab-risk-card{background:radial-gradient(circle at 5% 0%,rgba(143,92,255,.32),transparent 35%),radial-gradient(circle at 92% 100%,rgba(214,179,111,.14),transparent 36%),#0d0917;border-color:rgba(255,255,255,.14);box-shadow:0 36px 90px rgba(0,0,0,.42)}
.xab-risk-card p{color:rgba(255,255,255,.72)}
.risk-tags span{border-color:rgba(255,255,255,.17);background:rgba(255,255,255,.06);color:rgba(255,255,255,.82)}
.lead-section{background:radial-gradient(1200px 500px at 85% 0%,rgba(214,179,111,.08),transparent 60%),radial-gradient(900px 500px at 0% 100%,rgba(139,76,246,.13),transparent 60%),#090711}
.lead-steps li{border-color:var(--line);background:rgba(255,255,255,.035)}
.lead-steps b{background:linear-gradient(135deg,rgba(139,76,246,.2),rgba(214,179,111,.14));color:#c49aff}
.lead-steps strong{color:#f6f0ff}
.lead-trust span{border-color:var(--line);background:rgba(255,255,255,.035);color:#c6bbd5}
.lead-card,.lead-form{background:#151020;border:1px solid rgba(220,198,255,.18);box-shadow:0 24px 70px rgba(0,0,0,.34)}
.lead-form__head h3{color:#f7f1ff}
.lead-form__head p,.lead-form label{color:#c4b9d1}
.input,.select,.textarea{background:#0d0a16;border-color:rgba(220,198,255,.2);color:#f5efff}
.input::placeholder,.textarea::placeholder{color:#81788f}
.input:focus,.select:focus,.textarea:focus{border-color:#b88aff;box-shadow:0 0 0 4px rgba(165,107,255,.13)}
.lead-consent{color:#bcb1cb}
.join-card{background:radial-gradient(circle at 100% 0%,rgba(165,107,255,.24),transparent 40%),linear-gradient(135deg,#1a1228,#0e0b17 70%);border-color:rgba(220,198,255,.18);box-shadow:var(--shadow-md)}
.join-card h2{color:#f7f1ff}
.join-card p{color:#b8adc8}
.join-point{border-color:rgba(220,198,255,.17);background:rgba(255,255,255,.045)}
.join-point strong{color:#f5efff}
.join-point span{color:#b6a9c6}
.qr-card{border-color:rgba(220,198,255,.22);background:linear-gradient(145deg,#201331,#100c19);box-shadow:0 24px 65px rgba(0,0,0,.36)}
.qr-card__meta{color:#bdb1ce}
.referral-visual{min-height:250px;display:flex;flex-direction:column;align-items:center;justify-content:center;gap:12px;padding:25px;color:#f7f1ff;text-align:center;background:radial-gradient(circle at 50% 20%,rgba(165,107,255,.35),transparent 46%)}
.referral-visual__mark{width:90px;height:90px;border-radius:50%;border:2px solid #d7b36e;display:grid;place-items:center;box-shadow:0 0 38px rgba(165,107,255,.28)}
.referral-visual__mark:before{content:"1st";font-size:28px;font-weight:900;color:#e6c781}
.referral-visual strong{font-size:24px;letter-spacing:.14em}
.referral-visual small{color:#bda9d8;letter-spacing:.16em;font-size:10px}
.faq-item{border-color:var(--line)}
.faq-button{color:#f4efff}
.faq-button span:last-child{border-color:var(--line);color:#c49aff}
.faq-panel p{color:#aaa1b8}
.site-footer{background:#06050b;color:#f4efff;border-top:1px solid rgba(214,179,111,.18)}
.footer-brand p,.footer-col a{color:rgba(245,238,255,.66)}
.footer-col h3{color:#d7b36e}
.footer-bottom{border-color:rgba(255,255,255,.12);color:rgba(245,238,255,.48)}
.photo-credit{color:rgba(245,238,255,.42)}
@media(max-width:760px){
  .hero{min-height:auto;padding:58px 0 64px}
  .hero__grid{grid-template-columns:1fr;gap:28px}
  .hero__content{order:1}
  .hero__visual{order:2}
  .hero__proof{grid-template-columns:1fr;gap:8px}
  .hero__proof div{padding:10px 0 0}
  .join-card{grid-template-columns:1fr;padding:28px}
  .join-points{grid-template-columns:1fr}
}
@media(prefers-reduced-motion:reduce){
  *,*::before,*::after{scroll-behavior:auto!important;animation-duration:.01ms!important;animation-iteration-count:1!important;transition-duration:.01ms!important}
}

/* Legal pages share the same dark 1st Finance palette. */
.header{background:rgba(9,7,17,.96)!important;border-bottom:1px solid rgba(214,179,111,.18);color:#f6f2ff}
.header .brand__text strong,.header .brand__mark{color:#f5efff}
.header .brand__text small{color:#c5b9d6}
.header .text-link{color:#d8b36e}
.wrap{color:#f4efff}
body:has(.header) main.section{background:#090711;color:#f4efff;min-height:75vh}
body:has(.header) main.section h1,body:has(.header) main.section h2{color:#f6f0ff}
body:has(.header) main.section p,body:has(.header) main.section li{color:#b8adc8}
body:has(.header) main.section a{color:#c59aff}


/* === v4.1: refined lead form chips + premium modal === */
.lead-chips{
  display:flex; flex-wrap:wrap; align-items:center; gap:10px;
  min-width:0; margin:0; padding:0; border:0;
}
.lead-chips legend{
  flex:0 0 100%; width:100%; margin:0 0 2px; padding:0;
  color:#e9e1f4; font-size:13px; line-height:1.4; font-weight:800;
}
.lead-chip{display:inline-flex; position:relative; cursor:pointer; margin:0}
.lead-chip span{
  display:inline-flex; align-items:center; justify-content:center;
  min-height:40px; padding:9px 16px; border:1px solid rgba(211,190,244,.28);
  border-radius:999px; background:#21182f; color:#f4edff;
  font-size:13px; line-height:1.25; font-weight:750; letter-spacing:0;
  white-space:normal; text-align:center; transition:background .2s,border-color .2s,box-shadow .2s,transform .2s;
}
.lead-chip:hover span{border-color:#bd91ff;background:#2b1d40;transform:translateY(-1px)}
.lead-chip input:checked+span{
  border-color:transparent; background:linear-gradient(115deg,#a56bff,#d5a0ff 65%,#e1bd78);
  color:#160d23; box-shadow:0 8px 24px rgba(165,107,255,.24);
}
.lead-chip input:focus-visible+span{outline:3px solid rgba(190,145,255,.48);outline-offset:3px}
.lead-form .lead-fields{gap:14px}
.lead-form .lead-field>label,.lead-form .lead-field>label:first-child{
  color:#e7def2;font-size:12px;font-weight:800;line-height:1.4
}
.lead-form .input,.lead-form .select,.lead-form .textarea{
  min-height:48px;padding:12px 15px;border:1px solid rgba(214,194,242,.22);
  border-radius:13px;background:#0c0914;color:#f7f1ff;font-size:14px;
  box-shadow:inset 0 1px 0 rgba(255,255,255,.025)
}
.lead-form .textarea{min-height:104px;resize:vertical}
.lead-form .input::placeholder,.lead-form .textarea::placeholder{color:#8e849e;opacity:1}
.lead-form .input:focus,.lead-form .select:focus,.lead-form .textarea:focus{
  outline:none;border-color:#b78aff;box-shadow:0 0 0 3px rgba(165,107,255,.16)
}
.lead-form .lead-consent{color:#c9bfd6;font-size:12px;line-height:1.55}
.lead-form .lead-consent a{color:#d4b0ff}
.lead-form .lead-submit{min-height:50px;border-radius:13px;font-size:14px;font-weight:850;letter-spacing:.01em}
.lead-form__status{color:#e8dfff}
.lead-modal{padding:16px}
.lead-modal__backdrop{
  background:rgba(3,2,8,.78);backdrop-filter:blur(12px);-webkit-backdrop-filter:blur(12px)
}
.lead-modal__dialog{
  display:grid;grid-template-columns:minmax(235px, .78fr) minmax(0,1.42fr);
  width:min(1040px,calc(100vw - 32px));height:min(760px,calc(100dvh - 32px));
  max-height:calc(100dvh - 32px);border:1px solid rgba(205,174,255,.24);
  border-radius:26px;background:#100c19;
  box-shadow:0 35px 110px rgba(0,0,0,.66),0 0 70px rgba(128,77,205,.16)
}
.lead-modal__side{
  gap:18px;padding:38px 30px;
  background:radial-gradient(420px 320px at 0 0,rgba(165,107,255,.28),transparent 65%),
    radial-gradient(420px 420px at 100% 100%,rgba(216,179,110,.13),transparent 60%),#0d0a15;
  border-right:1px solid rgba(218,198,255,.15)
}
.lead-modal__side img{display:block;width:74px;height:52px;object-fit:contain;filter:none;opacity:1}
.lead-modal__side h2{font-size:clamp(23px,2.3vw,30px);line-height:1.12;color:#fbf8ff}
.lead-modal__side li{font-size:13px;line-height:1.5}
.lead-modal__side p{color:#a99db8;font-size:12px;line-height:1.55}
.lead-modal__eyebrow{color:#e0bd79}
.lead-modal__eyebrow--dark{color:#c49aff}
.lead-modal__body{
  padding:34px 38px 30px;background:#151020;color:#f6f0ff;
  scrollbar-color:#7650a8 #21182d;scrollbar-width:thin
}
.lead-modal__body::-webkit-scrollbar{width:9px}
.lead-modal__body::-webkit-scrollbar-track{background:#21182d;border-radius:10px}
.lead-modal__body::-webkit-scrollbar-thumb{background:linear-gradient(#a56bff,#d8b36f);border:2px solid #21182d;border-radius:10px}
.lead-modal__body .lead-form{background:transparent;border:0;box-shadow:none;padding:0}
.lead-modal__body .lead-form__head{padding-right:48px;margin-bottom:20px}
.lead-modal__body .lead-form__head h3{color:#faf7ff;font-size:clamp(22px,2.1vw,28px);line-height:1.16;letter-spacing:-.035em}
.lead-modal__body .lead-form__head p{color:#b7acc7;font-size:13px}
.lead-modal__close{
  top:14px;right:14px;width:38px;height:38px;border:1px solid rgba(220,198,255,.25);
  border-radius:12px;background:#241a33;box-shadow:0 6px 20px rgba(0,0,0,.25)
}
.lead-modal__close:hover{background:#3a2852}
.lead-modal__close svg{stroke:#f6efff}
.lead-modal__body .lead-form__foot{margin-top:18px}
.lead-scrollbar{background:rgba(255,255,255,.06)}
.lead-scrollbar__thumb{background:linear-gradient(#a56bff,#d8b36f)}
@media(max-width:760px){
 .lead-modal{padding:10px}
 .lead-modal__dialog{
   grid-template-columns:1fr;grid-template-rows:auto minmax(0,1fr);
   width:min(560px,calc(100vw - 20px));height:min(900px,calc(100dvh - 20px));
   max-height:calc(100dvh - 20px);border-radius:20px
 }
 .lead-modal__side{padding:20px 22px 16px;gap:10px}
 .lead-modal__side img{width:58px;height:38px}
 .lead-modal__side h2{font-size:21px;max-width:420px}
 .lead-modal__side ul{grid-template-columns:1fr 1fr;gap:7px 12px;margin-top:0}
 .lead-modal__side li{font-size:11px;padding-left:23px}
 .lead-modal__side li::before{width:15px;height:15px;background-size:10px}
 .lead-modal__side p{display:none}
 .lead-modal__body{padding:22px 20px 24px}
 .lead-modal__body .lead-form__head{padding-right:38px;margin-bottom:16px}
 .lead-modal__body .lead-form__head h3{font-size:22px}
 .lead-form .lead-fields{gap:12px}
 .lead-chip span{min-height:38px;padding:8px 12px;font-size:12px}
}
@media(max-width:420px){
 .lead-modal__side ul{grid-template-columns:1fr}
 .lead-modal__side li{font-size:12px}
 .lead-modal__body{padding:18px 15px 22px}
 .lead-form .lead-fields{grid-template-columns:1fr}
 .lead-form .lead-field--full{grid-column:1}
 .lead-chips{gap:7px}
 .lead-chip span{padding:8px 10px;font-size:11px}
}

/* Floating Get free guidance CTA: keep the premium gradient in every state */
.finance-site .lead-fab,
.finance-site .lead-fab:visited {
  color: #fff !important;
  background: linear-gradient(110deg, #9655f5 0%, #b77aff 58%, #d8b36f 100%) !important;
  border: 1px solid rgba(226, 201, 255, .28) !important;
  outline: none;
  -webkit-appearance: none;
  appearance: none;
  box-shadow: 0 12px 32px rgba(130, 73, 220, .28), inset 0 1px 0 rgba(255,255,255,.16) !important;
}
.finance-site .lead-fab:hover {
  color: #fff !important;
  background: linear-gradient(110deg, #a66aff 0%, #c18aff 58%, #e6c17d 100%) !important;
  border-color: rgba(235, 213, 255, .48) !important;
  box-shadow: 0 16px 38px rgba(130, 73, 220, .38), inset 0 1px 0 rgba(255,255,255,.2) !important;
  transform: translateY(-2px);
}
.finance-site .lead-fab:focus,
.finance-site .lead-fab:active {
  color: #fff !important;
  background: linear-gradient(110deg, #9655f5 0%, #b77aff 58%, #d8b36f 100%) !important;
  outline: none !important;
}
.finance-site .lead-fab:focus-visible {
  outline: 3px solid rgba(190, 145, 255, .55) !important;
  outline-offset: 3px;
}
.finance-site .lead-fab__dot {
  background: #f4d58e !important;
  box-shadow: 0 0 0 0 rgba(244, 213, 142, .48);
}
.finance-site .lead-fab span:not(.lead-fab__dot) {
  color: #fff !important;
}