.regtech-hero {
  padding: 140px 0 60px;
  border-bottom: 1px solid var(--sm-border);
  position: relative;
  overflow: hidden;
}
.regtech-hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse 70% 80% at 25% 40%, rgba(251, 191, 36, 0.08) 0%, transparent 70%),
    radial-gradient(ellipse 50% 60% at 75% 60%, rgba(245, 158, 11, 0.05) 0%, transparent 70%);
  pointer-events: none;
}
.regtech-hero::after {
  content: '';
  position: absolute;
  inset: 0;
  opacity: 0.25;
  background-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 256 256' xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.85' numOctaves='4' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)' opacity='0.5'/%3E%3C/svg%3E");
  background-repeat: repeat;
  background-size: 256px 256px;
  mix-blend-mode: overlay;
  pointer-events: none;
}
.regtech-hero h1 {
  font-family: var(--f-display);
  font-weight: 700;
  font-size: clamp(36px, 6vw, 64px);
  letter-spacing: -3px;
  line-height: 1;
  margin-bottom: 16px;
}
.regtech-hero-tagline {
  font-size: 16px;
  color: var(--sm-muted);
  line-height: 1.7;
}

.regtech-credentials,
.regtech-timeline,
.regtech-bridge,
.regtech-cta {
  padding: 80px 0;
  border-bottom: 1px solid var(--sm-border);
}
.regtech-cta {
  border-bottom: none;
}

.credentials-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 24px;
}
.credential-card {
  display: block;
  text-decoration: none;
  color: inherit;
  background: var(--sm-surface);
  border: 1px solid var(--sm-border);
  border-radius: 12px;
  padding: 28px;
  transition: border-color 0.3s, transform 0.3s cubic-bezier(0.16, 1, 0.3, 1), box-shadow 0.3s;
}
.credential-card:hover {
  border-color: rgba(34, 211, 238, 0.2);
  transform: translateY(-3px);
  box-shadow: 0 8px 32px rgba(14, 116, 144, 0.08);
}
.credential-icon {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  margin-bottom: 16px;
}
.credential-icon[data-accent="gold"] { background: var(--sm-gold-glow); box-shadow: 0 0 8px var(--sm-gold-glow); }
.credential-icon[data-accent="teal"] { background: var(--sm-teal-glow); box-shadow: 0 0 8px var(--sm-teal-glow); }
.credential-title {
  font-family: var(--f-heading);
  font-size: 17px;
  font-weight: 600;
  margin-bottom: 10px;
}
.credential-desc {
  font-size: 14px;
  color: var(--sm-muted);
  line-height: 1.7;
  margin-bottom: 12px;
}

.milestone-wrapper {
  max-width: 600px;
  margin: 0 auto;
}
.milestone {
  display: grid;
  grid-template-columns: 64px 1fr;
  gap: 24px;
  padding: 24px 0;
  border-bottom: 1px solid var(--sm-border);
}
.milestone:last-child { border-bottom: none; }
.milestone-year {
  font-family: var(--f-mono);
  font-size: 13px;
  color: var(--sm-gold-glow);
  padding-top: 2px;
}
.milestone-title {
  font-family: var(--f-heading);
  font-size: 16px;
  font-weight: 600;
  margin-bottom: 6px;
}
.milestone-desc {
  font-size: 14px;
  color: var(--sm-muted);
  line-height: 1.7;
}

.bridge-content > p {
  font-size: 16px;
  color: var(--sm-muted);
  line-height: 1.7;
  margin-bottom: 32px;
}
.bridge-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 32px;
}
.bridge-col-title {
  font-family: var(--f-heading);
  font-size: 15px;
  font-weight: 600;
  margin-bottom: 16px;
  color: var(--sm-text);
}
.bridge-col ul {
  list-style: none;
}
.bridge-col ul li {
  position: relative;
  padding-left: 20px;
  font-size: 14px;
  color: var(--sm-muted);
  line-height: 1.7;
  margin-bottom: 8px;
}
.bridge-col ul li::before {
  content: '';
  position: absolute;
  left: 4px;
  top: 0.6em;
  width: 5px;
  height: 5px;
  border-radius: 50%;
  border: 1.5px solid var(--sm-gold-glow);
}

@media (max-width: 768px) {
  .regtech-hero { padding: 100px 0 40px; text-align: center; }
  .regtech-hero-tagline { margin: 0 auto; }
  .regtech-credentials,
  .regtech-timeline,
  .regtech-bridge,
  .regtech-cta { padding: 48px 0; }
  .credentials-grid { grid-template-columns: 1fr; }
  .bridge-grid { grid-template-columns: 1fr; }
  .bridge-content > p { text-align: center; margin: 0 auto 32px; }
  .bridge-col { text-align: center; }
  .bridge-col ul { display: inline-block; text-align: left; }
  .milestone { grid-template-columns: 1fr; gap: 4px; text-align: center; }
  .credential-card { text-align: center; }
  .credential-icon { margin: 0 auto 16px; }
  .bridge-col-title { text-align: center; }
}