/* Layout concept: a payments "switchboard" — navy bands carry routes, white bands carry explanation; logo swoosh arcs recur as the only ornament. */
:root {
  --navy: #0b2a5b;
  --navy-deep: #071c3f;
  --blue: #0a8fe0;
  --blue-soft: #e6f4fd;
  --green: #3fae2a;
  --green-soft: #e9f6e5;
  --amber: #b26a00;
  --amber-soft: #fff3db;
  --ink: #12213a;
  --muted: #52617a;
  --line: #d9e2ee;
  --paper: #ffffff;
  --mist: #f3f7fb;
  --on-navy: #e8f0fb;
  --on-navy-muted: #a9bbd6;

  --font-display: "Montserrat", "Segoe UI", system-ui, sans-serif;
  --font-body: "Source Sans 3", "Segoe UI", system-ui, sans-serif;
  --font-mono: "JetBrains Mono", ui-monospace, "SFMono-Regular", Menlo, monospace;

  --step--1: 0.875rem;
  --step-0: 1.0625rem;
  --step-1: 1.25rem;
  --step-2: 1.5rem;
  --step-3: clamp(1.75rem, 1.4rem + 1.4vw, 2.25rem);
  --step-4: clamp(2.1rem, 1.5rem + 2.8vw, 3.4rem);

  --radius: 10px;
  --wrap: 1180px;
  color-scheme: light;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } *, *::before, *::after { animation: none !important; transition: none !important; } }
body {
  margin: 0;
  background: var(--paper);
  color: var(--ink);
  font-family: var(--font-body);
  font-size: var(--step-0);
  line-height: 1.6;
}
img { max-width: 100%; height: auto; display: block; }
a { color: var(--blue); text-underline-offset: 3px; }
a:hover { color: var(--navy); }
:focus-visible { outline: 3px solid var(--blue); outline-offset: 3px; border-radius: 4px; }
h1, h2, h3, h4 { font-family: var(--font-display); color: var(--navy); line-height: 1.15; text-wrap: balance; margin: 0; }
h1 { font-size: var(--step-4); font-weight: 800; letter-spacing: -0.02em; }
h2 { font-size: var(--step-3); font-weight: 800; letter-spacing: -0.015em; }
h3 { font-size: var(--step-1); font-weight: 700; }
p { margin: 0; }
.prose { max-width: 65ch; }
.muted { color: var(--muted); }

.skip-link { position: absolute; left: -999px; top: 8px; background: var(--navy); color: #fff; padding: 10px 16px; z-index: 100; border-radius: 6px; }
.skip-link:focus { left: 16px; color: #fff; }

.wrap {
  width: 100%;
  max-width: calc(var(--wrap) + 2 * 24px);
  margin-inline: auto;
  padding-left: max(16px, env(safe-area-inset-left, 0px));
  padding-right: max(16px, env(safe-area-inset-right, 0px));
}
@media (min-width: 720px) { .wrap { padding-left: max(24px, env(safe-area-inset-left, 0px)); padding-right: max(24px, env(safe-area-inset-right, 0px)); } }

.eyebrow {
  font-family: var(--font-display);
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--blue);
}
.band-navy .eyebrow { color: #6cc7ff; }

/* Buttons */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  font-family: var(--font-display); font-weight: 700; font-size: 0.95rem;
  padding: 12px 20px; border-radius: 999px; border: 2px solid transparent;
  text-decoration: none; cursor: pointer; line-height: 1.2; white-space: nowrap;
  transition: background .15s, color .15s, border-color .15s, transform .15s;
}
.btn:hover { transform: translateY(-1px); }
.btn-primary { background: var(--green); color: #fff; }
.btn-primary:hover { background: #359522; color: #fff; }
.btn-blue { background: var(--blue); color: #fff; }
.btn-blue:hover { background: #087bc2; color: #fff; }
.btn-outline { border-color: var(--navy); color: var(--navy); background: transparent; }
.btn-outline:hover { background: var(--navy); color: #fff; }
.btn-ghost-light { border-color: rgba(255,255,255,.5); color: #fff; background: transparent; }
.btn-ghost-light:hover { background: #fff; color: var(--navy); }
.btn svg { width: 18px; height: 18px; flex: none; }

/* Header */
body::before { content: ""; position: fixed; inset: 0 0 auto; height: env(safe-area-inset-top, 0px); z-index: 60; background: var(--paper); }
.site-header {
  position: sticky; top: env(safe-area-inset-top, 0px); z-index: 50;
  background: rgba(255,255,255,.96); backdrop-filter: saturate(1.4) blur(8px);
  border-bottom: 1px solid var(--line);
}
.header-row { display: flex; align-items: center; gap: 16px; min-height: 72px; }
.brand { display: flex; align-items: center; flex: none; }
.brand img { height: 52px; width: auto; }
.main-nav { margin-left: auto; }
.main-nav ul { list-style: none; display: flex; gap: 4px; margin: 0; padding: 0; }
.main-nav a { display: block; white-space: nowrap; padding: 8px 10px; color: var(--ink); text-decoration: none; font-family: var(--font-display); font-weight: 600; font-size: 0.88rem; border-radius: 6px; }
.main-nav a:hover { color: var(--blue); background: var(--blue-soft); }
.header-actions { display: flex; align-items: center; gap: 10px; }
.lang-switch { display: inline-flex; border: 1px solid var(--line); border-radius: 999px; padding: 3px; background: var(--mist); }
.lang-switch button { font-family: var(--font-display); font-weight: 700; font-size: 0.78rem; letter-spacing: .06em; border: 0; background: transparent; color: var(--muted); padding: 6px 10px; border-radius: 999px; cursor: pointer; }
.lang-switch button[aria-pressed="true"] { background: var(--navy); color: #fff; }
.header-actions .btn { padding: 10px 16px; font-size: 0.88rem; }
.menu-toggle { display: none; border: 1px solid var(--line); background: var(--paper); border-radius: 8px; width: 44px; height: 44px; align-items: center; justify-content: center; cursor: pointer; color: var(--navy); }
.menu-toggle svg { width: 22px; height: 22px; }

@media (max-width: 1240px) {
  .main-nav { position: absolute; left: 0; right: 0; top: 100%; background: var(--paper); border-bottom: 1px solid var(--line); display: none; padding: 8px max(16px, env(safe-area-inset-left, 0px)) 16px; margin: 0; }
  .main-nav.open { display: block; }
  .main-nav ul { flex-direction: column; }
  .main-nav a { padding: 12px 8px; font-size: 1rem; }
  .menu-toggle { display: inline-flex; }
  .header-actions { margin-left: auto; }
}
@media (max-width: 560px) {
  .brand img { height: 42px; }
  .header-actions .btn-onboard { display: none; }
  .header-actions .btn { padding: 9px 12px; }
  .header-actions .btn .label-long { display: none; }
}
@media (min-width: 561px) { .header-actions .btn .label-short { display: none; } }

/* Hero */
.hero { position: relative; overflow: hidden; background: linear-gradient(180deg, var(--mist), var(--paper) 70%); }
.hero .wrap { display: grid; grid-template-columns: minmax(0, 1.05fr) minmax(0, 0.95fr); gap: 48px; align-items: center; padding-block: 64px 72px; position: relative; z-index: 1; }
.hero-copy { display: grid; gap: 22px; min-width: 0; }
.hero-copy h1 .accent { color: var(--blue); font-style: italic; }
.hero-lead { font-size: var(--step-1); color: var(--muted); max-width: 52ch; }
.hero-cta { display: flex; flex-wrap: wrap; gap: 12px; }
.tagline { font-family: var(--font-display); font-weight: 700; color: var(--navy); font-size: 0.95rem; display: flex; flex-wrap: wrap; gap: 6px 10px; align-items: center; }
.tagline span::after { content: "•"; color: var(--green); margin-left: 10px; }
.tagline span:last-child::after { content: none; }
.swoosh { position: absolute; pointer-events: none; z-index: 0; }
.swoosh-hero { right: -180px; top: -140px; width: 760px; opacity: .55; }
@media (max-width: 900px) {
  .hero .wrap { grid-template-columns: minmax(0, 1fr); padding-block: 40px 56px; gap: 36px; }
  .swoosh-hero { width: 520px; right: -220px; top: -120px; opacity: .35; }
}

/* Routing console (hero illustration) */
.console {
  background: var(--navy-deep); color: var(--on-navy); border-radius: 16px; padding: 20px;
  box-shadow: 0 30px 60px -30px rgba(7,28,63,.55), 0 0 0 1px rgba(255,255,255,.04) inset;
  font-family: var(--font-body); min-width: 0;
}
.console-head { display: flex; justify-content: space-between; align-items: center; gap: 12px; flex-wrap: wrap; border-bottom: 1px solid rgba(255,255,255,.1); padding-bottom: 14px; }
.console-title { font-family: var(--font-display); font-weight: 700; font-size: 0.95rem; color: #fff; }
.demo-chip { font-size: 0.72rem; letter-spacing: .08em; text-transform: uppercase; font-weight: 700; color: var(--on-navy-muted); border: 1px dashed rgba(255,255,255,.3); border-radius: 999px; padding: 3px 10px; }
.tx-summary { display: grid; grid-template-columns: 1fr auto; gap: 4px 12px; padding: 16px 0 12px; }
.tx-amount { font-family: var(--font-display); font-weight: 800; font-size: 1.9rem; color: #fff; font-variant-numeric: tabular-nums; }
.tx-amount small { font-size: 0.95rem; color: var(--on-navy-muted); font-weight: 700; margin-left: 4px; }
.tx-ref { font-family: var(--font-mono); font-size: 0.78rem; color: var(--on-navy-muted); }
.tx-meta { text-align: right; font-size: 0.85rem; color: var(--on-navy-muted); }
.routes { display: grid; gap: 10px; margin-top: 4px; }
.route { display: grid; grid-template-columns: 26px minmax(0,1fr) auto; gap: 12px; align-items: center; background: rgba(255,255,255,.05); border-radius: 10px; padding: 12px; }
.route-step { font-family: var(--font-mono); font-size: 0.75rem; color: var(--on-navy-muted); text-align: center; }
.route-name { font-weight: 600; color: #fff; font-size: 0.95rem; }
.route-detail { font-family: var(--font-mono); font-size: 0.74rem; color: var(--on-navy-muted); overflow-wrap: anywhere; }
.pill { font-family: var(--font-display); font-size: 0.7rem; font-weight: 700; letter-spacing: .06em; text-transform: uppercase; padding: 4px 9px; border-radius: 999px; white-space: nowrap; }
.pill-ok { background: rgba(63,174,42,.2); color: #8fe07b; }
.pill-warn { background: rgba(255,186,73,.16); color: #ffcf7f; }
.pill-info { background: rgba(10,143,224,.22); color: #8fd3ff; }
.route.is-active { box-shadow: 0 0 0 1px rgba(63,174,42,.6) inset; }
.route.is-active .route-step { color: #8fe07b; }
.console-foot { display: grid; grid-template-columns: repeat(3, minmax(0,1fr)); gap: 10px; margin-top: 14px; }
.kpi { background: rgba(255,255,255,.04); border-radius: 10px; padding: 10px 12px; }
.kpi b { display: block; font-family: var(--font-display); color: #fff; font-size: 0.95rem; }
.kpi span { font-size: 0.78rem; color: var(--on-navy-muted); }
.console-note { margin-top: 12px; font-size: 0.75rem; color: var(--on-navy-muted); }
@media (max-width: 480px) { .console-foot { gap: 6px; } .kpi { padding: 8px; } .kpi b { font-size: .82rem; } .kpi span { font-size: .7rem; } .tx-summary { grid-template-columns: 1fr; } .tx-meta { text-align: left; } }

.flow-line { animation: flow 2.4s linear infinite; }
@keyframes flow { to { stroke-dashoffset: -24; } }

/* Status strip */
.rails { border-block: 1px solid var(--line); background: var(--paper); }
.rails .wrap { display: flex; flex-wrap: wrap; gap: 10px 28px; align-items: center; padding-block: 18px; }
.rails-label { font-family: var(--font-display); font-weight: 700; font-size: 0.8rem; letter-spacing: .1em; text-transform: uppercase; color: var(--muted); }
.rail { display: inline-flex; align-items: center; gap: 8px; font-weight: 600; color: var(--ink); }
.dot { width: 9px; height: 9px; border-radius: 50%; flex: none; }
.dot-live { background: var(--green); box-shadow: 0 0 0 4px var(--green-soft); }
.dot-progress { background: #f0a000; box-shadow: 0 0 0 4px var(--amber-soft); }
.dot-soon { background: #9fb0c8; box-shadow: 0 0 0 4px var(--mist); }
.rail small { color: var(--muted); font-weight: 400; }

/* Sections */
.section { padding-block: 88px; }
.section-tight { padding-block: 64px; }
.section-head { display: grid; gap: 14px; margin-bottom: 40px; max-width: 760px; }
.section-head p { color: var(--muted); font-size: var(--step-1); }
.band-mist { background: var(--mist); }
.band-navy { background: var(--navy); color: var(--on-navy); position: relative; overflow: hidden; }
.band-navy h2, .band-navy h3 { color: #fff; }
.band-navy .section-head p, .band-navy .muted { color: var(--on-navy-muted); }
@media (max-width: 720px) { .section { padding-block: 60px; } .section-head { margin-bottom: 28px; } }

.grid { display: grid; gap: 20px; }
.grid-4 { grid-template-columns: repeat(4, minmax(0,1fr)); }
.grid-3 { grid-template-columns: repeat(3, minmax(0,1fr)); }
.grid-2 { grid-template-columns: repeat(2, minmax(0,1fr)); }
@media (max-width: 1000px) { .grid-4 { grid-template-columns: repeat(2, minmax(0,1fr)); } .grid-3 { grid-template-columns: repeat(2, minmax(0,1fr)); } }
@media (max-width: 640px) { .grid-4, .grid-3, .grid-2 { grid-template-columns: minmax(0,1fr); } }

.problem { display: grid; gap: 10px; padding: 24px; border-top: 3px solid var(--line); background: var(--paper); }
.problem h3 { font-size: 1.1rem; }
.problem p { color: var(--muted); }
.problem-icon { width: 40px; height: 40px; color: var(--blue); }

.promise { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: 48px; align-items: center; }
.promise h2 { font-size: var(--step-4); color: #fff; }
.promise h2 em { color: #6cc7ff; }
@media (max-width: 860px) { .promise { grid-template-columns: minmax(0,1fr); gap: 24px; } }

.capability { display: grid; gap: 10px; padding: 26px 24px; background: rgba(255,255,255,.06); border-radius: var(--radius); }
.capability svg { width: 34px; height: 34px; color: #6cc7ff; }
.capability h3 { font-size: 1.1rem; }
.capability p { color: var(--on-navy-muted); }

/* How it works diagram */
.diagram-wrap { overflow-x: auto; border-radius: 14px; background: var(--paper); border: 1px solid var(--line); padding: 16px; }
.diagram-wrap svg { width: 100%; min-width: 760px; height: auto; display: block; }
.diagram-caption { margin-top: 14px; font-size: var(--step--1); color: var(--muted); }
.steps-inline { display: grid; grid-template-columns: repeat(4, minmax(0,1fr)); gap: 20px; margin-top: 40px; counter-reset: s; }
.steps-inline li { list-style: none; display: grid; gap: 6px; padding-top: 14px; border-top: 2px solid var(--navy); }
.steps-inline li::before { counter-increment: s; content: counter(s, decimal-leading-zero); font-family: var(--font-mono); font-size: .8rem; color: var(--blue); }
.steps-inline h3 { font-size: 1.05rem; }
.steps-inline p { color: var(--muted); font-size: .98rem; }
.steps-inline { padding: 0; margin-bottom: 0; }
@media (max-width: 900px) { .steps-inline { grid-template-columns: repeat(2, minmax(0,1fr)); } }
@media (max-width: 520px) { .steps-inline { grid-template-columns: minmax(0,1fr); } }

/* Offers */
.offer { display: grid; gap: 16px; align-content: start; padding: 32px; border-radius: 14px; border: 1px solid var(--line); background: var(--paper); }
.offer.featured { border-color: var(--blue); box-shadow: 0 20px 40px -28px rgba(10,143,224,.6); }
.offer-tag { font-family: var(--font-mono); font-size: .78rem; color: var(--blue); }
.offer h3 { font-size: var(--step-2); }
.offer dl { display: grid; grid-template-columns: minmax(0, 9.5rem) minmax(0,1fr); gap: 10px 16px; margin: 6px 0 0; font-size: .98rem; }
.offer dt { font-weight: 700; color: var(--navy); }
.offer dd { margin: 0; color: var(--muted); }
.checks { list-style: none; padding: 0; margin: 0; display: grid; gap: 8px; }
.checks li { display: grid; grid-template-columns: 20px minmax(0,1fr); gap: 10px; }
.checks li::before { content: ""; width: 18px; height: 18px; margin-top: 4px; border-radius: 50%; background: var(--green-soft) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20'%3E%3Cpath d='M5 10.5l3 3 7-7' fill='none' stroke='%233fae2a' stroke-width='2.4' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/14px no-repeat; }
@media (max-width: 460px) { .offer { padding: 24px 20px; } .offer dl { grid-template-columns: minmax(0,1fr); gap: 2px; } .offer dd { margin-bottom: 8px; } }

.profiles { overflow-x: auto; margin-top: 48px; border: 1px solid var(--line); border-radius: 12px; background: var(--paper); }
.profiles table { width: 100%; border-collapse: collapse; min-width: 620px; font-size: .98rem; }
.profiles th, .profiles td { text-align: left; padding: 14px 18px; border-bottom: 1px solid var(--line); vertical-align: top; }
.profiles thead th { font-family: var(--font-display); font-size: .78rem; letter-spacing: .1em; text-transform: uppercase; color: var(--muted); background: var(--mist); }
.profiles tbody th { color: var(--navy); font-family: var(--font-display); font-weight: 700; font-size: .95rem; }
.profiles tr:last-child th, .profiles tr:last-child td { border-bottom: 0; }
.tag { display: inline-block; font-family: var(--font-display); font-weight: 700; font-size: .75rem; padding: 3px 10px; border-radius: 999px; background: var(--blue-soft); color: var(--navy); margin: 2px 4px 2px 0; }
.tag-green { background: var(--green-soft); color: #23701a; }

/* Hybrid */
.hybrid { display: grid; grid-template-columns: minmax(0, 0.9fr) minmax(0, 1.1fr); gap: 48px; align-items: center; }
.hybrid-list { display: grid; gap: 16px; padding: 0; margin: 24px 0 0; list-style: none; }
.hybrid-list li { display: grid; grid-template-columns: 36px minmax(0,1fr); gap: 14px; }
.hybrid-list .num { width: 36px; height: 36px; border-radius: 50%; background: var(--navy); color: #fff; font-family: var(--font-display); font-weight: 800; display: grid; place-items: center; }
.hybrid-list h3 { font-size: 1.05rem; margin-bottom: 2px; }
.hybrid-list p { color: var(--muted); }
.fine { font-size: var(--step--1); color: var(--muted); margin-top: 16px; }
@media (max-width: 900px) { .hybrid { grid-template-columns: minmax(0,1fr); gap: 28px; } }

/* CEMAC */
.cemac { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: 48px; align-items: center; }
.cemac-figures { display: flex; flex-wrap: wrap; gap: 28px; margin: 28px 0; }
.cemac-figures div { display: grid; }
.cemac-figures b { font-family: var(--font-display); font-weight: 800; font-size: 2.4rem; color: #fff; line-height: 1; }
.cemac-figures span { color: var(--on-navy-muted); font-size: .95rem; max-width: 18ch; }
.status-banner { display: flex; gap: 12px; align-items: flex-start; background: rgba(255,186,73,.12); border: 1px solid rgba(255,186,73,.35); color: #ffe2ad; padding: 14px 16px; border-radius: 10px; font-size: .97rem; }
.status-banner .dot { margin-top: 8px; }
.service-groups { display: grid; grid-template-columns: repeat(2, minmax(0,1fr)); gap: 14px; margin-top: 28px; }
.service-group { background: rgba(255,255,255,.06); border-radius: 10px; padding: 18px; }
.service-group h3 { font-size: 1rem; margin-bottom: 8px; }
.service-group ul { margin: 0; padding-left: 18px; color: var(--on-navy-muted); font-size: .95rem; display: grid; gap: 2px; }
.cemac-map svg { width: 100%; height: auto; display: block; }
@media (max-width: 900px) { .cemac { grid-template-columns: minmax(0,1fr); } }
@media (max-width: 520px) { .service-groups { grid-template-columns: minmax(0,1fr); } }

/* Security */
.sec-grid { display: grid; grid-template-columns: repeat(3, minmax(0,1fr)); gap: 0; border: 1px solid var(--line); border-radius: 14px; overflow: hidden; background: var(--paper); }
.sec-item { padding: 28px 24px; border-right: 1px solid var(--line); border-bottom: 1px solid var(--line); display: grid; gap: 8px; align-content: start; }
.sec-item:nth-child(3n) { border-right: 0; }
.sec-item:nth-last-child(-n+3) { border-bottom: 0; }
.sec-item svg { width: 30px; height: 30px; color: var(--blue); }
.sec-item h3 { font-size: 1.05rem; }
.sec-item p { color: var(--muted); font-size: .98rem; }
@media (max-width: 900px) {
  .sec-grid { grid-template-columns: repeat(2, minmax(0,1fr)); }
  .sec-item:nth-child(3n) { border-right: 1px solid var(--line); }
  .sec-item:nth-child(2n) { border-right: 0; }
  .sec-item:nth-last-child(-n+3) { border-bottom: 1px solid var(--line); }
  .sec-item:nth-last-child(-n+2) { border-bottom: 0; }
}
@media (max-width: 560px) {
  .sec-grid { grid-template-columns: minmax(0,1fr); }
  .sec-item, .sec-item:nth-child(3n) { border-right: 0; }
  .sec-item:nth-last-child(-n+2) { border-bottom: 1px solid var(--line); }
  .sec-item:last-child { border-bottom: 0; }
}

/* Regulatory */
.reg { display: grid; grid-template-columns: minmax(0, 0.8fr) minmax(0, 1.2fr); gap: 56px; align-items: start; }
.reg-aside { position: sticky; top: 100px; display: grid; gap: 18px; }
.reg-card { border: 1px solid var(--line); border-radius: 12px; padding: 20px; background: var(--paper); display: grid; gap: 10px; }
.reg-card h3 { font-size: 1rem; }
.reg-card dl { margin: 0; display: grid; gap: 10px; font-size: .95rem; }
.reg-card dt { font-weight: 700; color: var(--navy); font-size: .82rem; text-transform: uppercase; letter-spacing: .06em; }
.reg-card dd { margin: 0; color: var(--muted); }
.reg-list { display: grid; gap: 0; }
.reg-list article { padding: 22px 0; border-bottom: 1px solid var(--line); display: grid; gap: 8px; }
.reg-list article:first-child { padding-top: 0; }
.reg-list h3 { font-size: 1.1rem; }
.reg-list p, .reg-list li { color: var(--muted); }
.reg-list ul { margin: 4px 0 0; padding-left: 20px; display: grid; gap: 4px; }
.status-table { width: 100%; border-collapse: collapse; font-size: .95rem; }
.status-table td { padding: 8px 0; border-bottom: 1px dashed var(--line); vertical-align: top; }
.status-table td:last-child { text-align: right; padding-left: 12px; }
.status-table tr:last-child td { border-bottom: 0; }
.spill { font-family: var(--font-display); font-weight: 700; font-size: .7rem; letter-spacing: .05em; text-transform: uppercase; padding: 3px 8px; border-radius: 999px; white-space: nowrap; }
.spill-live { background: var(--green-soft); color: #23701a; }
.spill-progress { background: var(--amber-soft); color: var(--amber); }
.spill-soon { background: var(--mist); color: var(--muted); }
@media (max-width: 900px) { .reg { grid-template-columns: minmax(0,1fr); gap: 32px; } .reg-aside { position: static; } }

/* Merchant zone */
.merchant { display: grid; grid-template-columns: repeat(3, minmax(0,1fr)); gap: 20px; }
.m-card { display: grid; gap: 14px; align-content: start; padding: 28px; border-radius: 14px; background: var(--paper); border: 1px solid var(--line); }
.m-card .btn { justify-self: start; }
.m-card svg.ico { width: 38px; height: 38px; color: var(--blue); }
.m-card p { color: var(--muted); }
.m-card.primary { background: var(--navy); border-color: var(--navy); }
.m-card.primary h3 { color: #fff; }
.m-card.primary p { color: var(--on-navy-muted); }
.m-card.primary svg.ico { color: #6cc7ff; }
.docs-box { margin-top: 28px; display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1.4fr); gap: 32px; padding: 28px; border-radius: 14px; background: var(--paper); border: 1px dashed #b9c8dc; }
.docs-box ul { margin: 0; padding-left: 20px; columns: 2; column-gap: 32px; color: var(--muted); }
.docs-box li { break-inside: avoid; margin-bottom: 6px; }
.notice { font-size: .85rem; color: var(--muted); }
.portal-note { display: none; font-size: .9rem; color: #ffe2ad; }
.portal-note.show { display: block; }
@media (max-width: 960px) { .merchant { grid-template-columns: minmax(0,1fr); } .docs-box { grid-template-columns: minmax(0,1fr); gap: 16px; } }
@media (max-width: 520px) { .docs-box ul { columns: 1; } .m-card { padding: 22px 20px; } }

/* FAQ */
.faq { display: grid; gap: 0; max-width: 880px; border-top: 1px solid var(--line); }
.faq details { border-bottom: 1px solid var(--line); }
.faq summary { cursor: pointer; list-style: none; padding: 20px 40px 20px 0; position: relative; font-family: var(--font-display); font-weight: 700; color: var(--navy); font-size: 1.05rem; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; position: absolute; right: 6px; top: 16px; font-size: 1.5rem; color: var(--blue); font-weight: 400; }
.faq details[open] summary::after { content: "–"; }
.faq .answer { padding: 0 0 22px; color: var(--muted); max-width: 70ch; display: grid; gap: 10px; }

/* Contact */
.contact { display: grid; grid-template-columns: minmax(0, 1.1fr) minmax(0, 0.9fr); gap: 48px; align-items: start; }
.contact-list { display: grid; gap: 18px; margin: 28px 0 0; }
.contact-list > div { display: grid; grid-template-columns: 26px minmax(0,1fr); gap: 14px; align-items: start; }
.contact-list svg { width: 22px; height: 22px; color: #6cc7ff; margin-top: 3px; }
.contact-list dt { font-size: .8rem; text-transform: uppercase; letter-spacing: .08em; color: var(--on-navy-muted); font-weight: 700; }
.contact-list dd { margin: 0; color: #fff; font-size: 1.05rem; overflow-wrap: anywhere; }
.contact-list a { color: #fff; }
.contact-cta { display: grid; gap: 16px; padding: 28px; border-radius: 14px; background: rgba(255,255,255,.06); }
.contact-cta .btn { justify-self: start; }
@media (max-width: 860px) { .contact { grid-template-columns: minmax(0,1fr); } }

/* Footer */
.site-footer { background: var(--navy-deep); color: var(--on-navy-muted); font-size: .95rem; }
.footer-grid { display: grid; grid-template-columns: minmax(0, 1.4fr) repeat(3, minmax(0, 1fr)); gap: 32px; padding-block: 56px 32px; }
.footer-brand { display: grid; gap: 14px; align-content: start; }
.footer-brand .logo-chip { background: #fff; border-radius: 12px; padding: 10px 14px; justify-self: start; }
.footer-brand .logo-chip img { height: 56px; width: auto; }
.site-footer h4 { color: #fff; font-size: .82rem; letter-spacing: .1em; text-transform: uppercase; margin-bottom: 12px; }
.site-footer ul { list-style: none; padding: 0; margin: 0; display: grid; gap: 8px; }
.site-footer a { color: var(--on-navy); text-decoration: none; }
.site-footer a:hover { color: #fff; text-decoration: underline; }
.footer-legal { border-top: 1px solid rgba(255,255,255,.1); padding-block: 22px 32px; display: grid; gap: 8px; font-size: .85rem; }
@media (max-width: 860px) { .footer-grid { grid-template-columns: repeat(2, minmax(0,1fr)); } .footer-brand { grid-column: 1 / -1; } }
@media (max-width: 460px) { .footer-grid { grid-template-columns: minmax(0,1fr); } }

/* Legal page */
.legal-hero { background: var(--mist); border-bottom: 1px solid var(--line); }
.legal-hero .wrap { padding-block: 48px; display: grid; gap: 12px; }
.legal-layout { display: grid; grid-template-columns: minmax(0, 240px) minmax(0, 1fr); gap: 48px; padding-block: 48px 88px; }
.legal-toc { position: sticky; top: 100px; align-self: start; display: grid; gap: 6px; }
.legal-toc a { text-decoration: none; color: var(--ink); font-weight: 600; padding: 6px 0; }
.legal-body section { display: grid; gap: 12px; padding-bottom: 40px; margin-bottom: 40px; border-bottom: 1px solid var(--line); max-width: 75ch; scroll-margin-top: 96px; }
.legal-body section:last-child { border-bottom: 0; }
.legal-body h2 { font-size: var(--step-2); }
.legal-body h3 { font-size: 1.05rem; margin-top: 8px; }
.legal-body p, .legal-body li { color: var(--muted); }
.legal-body ul, .legal-body ol { margin: 0; padding-left: 22px; display: grid; gap: 6px; }
@media (max-width: 860px) { .legal-layout { grid-template-columns: minmax(0,1fr); gap: 24px; } .legal-toc { position: static; } }

section[id], [id].anchor { scroll-margin-top: 90px; }
.visually-hidden { position: absolute !important; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }

/* About page */
.about-hero-inner { grid-template-columns: minmax(0, 1.3fr) minmax(0, 0.7fr) !important; }
.about-facts { margin: 0; display: grid; gap: 0; border: 1px solid var(--line); border-radius: 14px; background: var(--paper); overflow: hidden; }
.about-facts div { display: grid; gap: 2px; padding: 16px 20px; border-bottom: 1px solid var(--line); }
.about-facts div:last-child { border-bottom: 0; }
.about-facts dt { font-family: var(--font-display); font-size: .74rem; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; color: var(--muted); }
.about-facts dd { margin: 0; font-family: var(--font-display); font-weight: 800; font-size: 1.25rem; color: var(--navy); }
.about-split { display: grid; grid-template-columns: minmax(0, 0.8fr) minmax(0, 1.2fr); gap: 56px; align-items: start; }
.about-prose { display: grid; gap: 16px; color: var(--muted); font-size: 1.08rem; }
.timeline { list-style: none; margin: 0; padding: 0; display: grid; gap: 0; }
.timeline li { display: grid; grid-template-columns: 96px minmax(0,1fr); gap: 20px; padding: 0 0 28px; position: relative; }
.timeline li::before { content: ""; position: absolute; left: 103px; top: 10px; bottom: 0; width: 2px; background: var(--line); }
.timeline li:last-child::before { display: none; }
.timeline li > div { padding-left: 22px; position: relative; display: grid; gap: 4px; }
.timeline li > div::before { content: ""; position: absolute; left: -2px; top: 6px; width: 14px; height: 14px; border-radius: 50%; background: var(--green); box-shadow: 0 0 0 4px var(--green-soft); }
.timeline li.progress > div::before { background: #f0a000; box-shadow: 0 0 0 4px var(--amber-soft); }
.timeline li.next > div::before { background: #9fb0c8; box-shadow: 0 0 0 4px var(--mist); }
.t-year { font-family: var(--font-display); font-weight: 800; color: var(--navy); font-size: 1.05rem; text-align: right; padding-top: 1px; }
.timeline li.progress .t-year { color: var(--amber); font-size: .9rem; }
.timeline li.next .t-year { color: var(--muted); font-size: .9rem; }
.timeline h3 { font-size: 1.05rem; }
.timeline p { color: var(--muted); }
.about-teaser { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1.2fr); gap: 40px; align-items: center; border-top: 1px solid var(--line); padding-top: 48px; }
.about-teaser-body { display: grid; gap: 18px; justify-items: start; }
.main-nav a[aria-current="page"] { color: var(--blue); }
@media (max-width: 900px) {
  .about-hero-inner { grid-template-columns: minmax(0,1fr) !important; }
  .about-split, .about-teaser { grid-template-columns: minmax(0,1fr); gap: 24px; }
}
@media (max-width: 480px) {
  .timeline li { grid-template-columns: 64px minmax(0,1fr); gap: 12px; }
  .timeline li::before { left: 71px; }
}

/* Contact form */
.contact-cta-compact { margin-top: 32px; }
.contact-form { background: var(--paper); color: var(--ink); border-radius: 16px; padding: 28px; display: grid; gap: 16px; box-shadow: 0 30px 60px -30px rgba(0,0,0,.5); min-width: 0; }
.contact-form h3 { color: var(--navy); font-size: var(--step-2); }
.cf-intro { color: var(--muted); font-size: .98rem; }
.cf-row { display: grid; grid-template-columns: repeat(2, minmax(0,1fr)); gap: 16px; }
.cf-field { display: grid; gap: 6px; min-width: 0; }
.cf-field label { font-weight: 700; font-size: .9rem; color: var(--navy); }
.contact-form input[type="text"], .contact-form input[type="email"], .contact-form input[type="tel"], .contact-form select, .contact-form textarea {
  width: 100%; font: inherit; font-size: 1rem; color: var(--ink); background: var(--mist);
  border: 1px solid var(--line); border-radius: 8px; padding: 11px 12px; min-width: 0;
}
.contact-form textarea { resize: vertical; min-height: 120px; }
.contact-form input:focus, .contact-form select:focus, .contact-form textarea:focus { outline: none; border-color: var(--blue); box-shadow: 0 0 0 3px var(--blue-soft); background: var(--paper); }
.contact-form.tried :invalid { border-color: #c23b2f; }
.cf-consent { display: grid; grid-template-columns: 20px minmax(0,1fr); gap: 10px; align-items: start; font-size: .9rem; color: var(--muted); }
.cf-consent input { width: 18px; height: 18px; margin-top: 3px; accent-color: var(--green); }
.cf-note { font-size: .85rem; color: var(--muted); }
.contact-form .btn { justify-self: start; }
.contact-form .btn[disabled] { opacity: .6; cursor: wait; transform: none; }
.cf-status { font-size: .95rem; min-height: 1.4em; margin: 0; }
.cf-status.is-ok { color: #23701a; font-weight: 600; }
.cf-status.is-error { color: #c23b2f; font-weight: 600; }
.cf-hp { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }
@media (max-width: 560px) { .cf-row { grid-template-columns: minmax(0,1fr); } .contact-form { padding: 22px 18px; } }