/* ============================================================
   CredoPay v3 — main.css
   Exact Figma design system implementation
   ============================================================ */

/* ── Google Fonts ── */
@import url('https://fonts.googleapis.com/css2?family=Instrument+Serif&family=Stack+Sans+Text:wght@300;400;500;600&family=DM+Sans:wght@300;400;500;600&display=swap');

/* ── CSS Custom Properties ── */
:root {
  --blue:    #0050CA;
  --purple:  #6A00AC;
  --teal:    #00AA82;
  --black:   #000000;
  --ink:     #2E3033;
  --muted:   #6F6F6F;
  --bg:      #FFFFFF;
  --bg-soft: #F5F5F5;
  --border:  #E5E7EB;
  --dark:    #000000;
  --footer:  rgba(0,0,0,0.96);

  --grad:     linear-gradient(to right, #0050CA 0%, #6A00AC 38%, #00AA82 68%);
  --grad-cta: linear-gradient(135deg, #0050CA 0%, #00AA82 100%);
  --stats-glow: radial-gradient(ellipse at 50% 50%, #5bfff0 0%, #79aeff 42%, #d99eff 87%, #4bffef 100%);

  --w:       1280px;
  --px:      80px;
  --section: 80px;
  --nav-h:   80px;

  --serif: 'Instrument Serif', Georgia, serif;
  --sans:  'Stack Sans Text', 'DM Sans', -apple-system, BlinkMacSystemFont, sans-serif;
}

/* ── Reset ── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  font-family: var(--sans);
  font-size: 16px;
  line-height: 1.5;
  color: var(--ink);
  background: var(--bg);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  padding-top: var(--nav-h);
}
img, svg { display: block; max-width: 100%; }
a { text-decoration: none; color: inherit; }
ul, ol { list-style: none; }
button { font-family: inherit; cursor: pointer; border: none; background: none; }
input, select, textarea { font-family: inherit; }
/* Headings default to weight 400 — prevents faux-bold "stroke" on Instrument Serif (only ships 400) */
h1, h2, h3, h4, h5, h6 { font-weight: 400; }

.hero { padding: 80px 0 0; background: #fff; text-align: left; overflow: hidden; position: relative; }
.hero-inner { position: relative; z-index: 1; max-width: 1280px; margin: 0 auto; padding: 0 80px; }
.hero h1 { font-family: var(--serif); font-size: clamp(36px,5vw,72px); line-height: 1.05; font-weight: 400; color: #000; max-width: 1000px; margin: 0 0 40px; text-align: left; }
.hero-bottom-row { display: flex; align-items: flex-end; justify-content: space-between; gap: 60px; margin-bottom: 64px; }
.hero-sub { font-family: var(--sans); font-size: 18px; line-height: 1.45; font-weight: 300; color: var(--ink); max-width: 620px; margin: 0; padding: 0;}
.hero-ctas { display: flex; align-items: center; gap: 14px; flex-shrink: 0; }
.hero-product-wrap { position: relative; z-index: 1; max-width: 1280px; margin: 0 auto; padding: 0 80px; box-sizing: border-box; }
.hero-product-wrap img { width: 100%; display: block; border-radius: 12px 12px 0 0; }

/* ── Utility ── */
.container {
  max-width: var(--w);
  margin: 0 auto;
  padding: 0 var(--px);
}
.section-pad {
  padding: var(--section) 0;
}

/* ── Gradient Text ── */
.gtxt {
  background: linear-gradient(to right, #0050CA 0%, #6A00AC 38%, #00AA82 68%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

/* ── Badges / Eyebrow Pills ── */
.badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 12px;
  font-weight: 500;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  font-family: var(--sans);
  padding: 6px 14px;
  border-radius: 100px;
  margin-bottom: 24px;
}
.badge-dot {
  width: 6px;
  height: 6px;
  border-radius: 0px;
  flex-shrink: 0;
}
.badge-blue   { color: var(--blue);   background: rgba(0,80,202,0.06);    border: 1px solid rgba(0,80,202,0.15); }
.badge-blue   .badge-dot { background: var(--blue); }
.badge-green  { color: var(--teal);   background: rgba(0,170,130,0.06);   border: 1px solid rgba(0,170,130,0.15); }
.badge-green  .badge-dot { background: var(--teal); }
.badge-purple { color: var(--purple); background: rgba(106,0,172,0.06);   border: 1px solid rgba(106,0,172,0.15); }
.badge-purple .badge-dot { background: var(--purple); }
.badge-white  { color: #FFFFFF;       background: rgba(255,255,255,0.08); border: 1px solid rgba(255,255,255,0.2); }
.badge-white  .badge-dot { background: #FFFFFF; }

/* ── Buttons — Figma exact spec ── */
/* Base: 44px tall, 8px radius, DM Sans 15px/500, 0 20px padding */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font-family: var(--sans);
  font-size: 15px;
  font-weight: 500;
  line-height: 1;
  border-radius: 8px;
  height: 44px;
  padding: 0 20px;
  min-width: unset;
  transition: background 0.18s ease, color 0.18s ease, border-color 0.18s ease;
  cursor: pointer;
  white-space: nowrap;
  text-decoration: none;
}
/* Primary — solid blue #0050CA */
.btn-primary { background: var(--blue); color: #FFFFFF; border: 1.5px solid var(--blue); }
.btn-primary:hover { background: #003fa3; border-color: #003fa3; }
/* Outline — white bg, 1.5px dark border */
.btn-outline { background: #FFFFFF; color: var(--ink); border: 1.5px solid var(--ink); }
.btn-outline:hover { background: #f5f5f5; }
/* Purple variant */
.btn-purple { background: var(--purple); color: #FFFFFF; border: 1.5px solid var(--purple); }
.btn-purple:hover { background: #560090; border-color: #560090; }
/* CTA section buttons (on gradient bg) */
.btn-cta-primary { background: var(--blue); color: #FFFFFF; border: 1.5px solid var(--blue); border-radius: 8px; }
.btn-cta-primary:hover { background: #003fa3; border-color: #003fa3; }
.btn-cta-outline { background: #FFFFFF; color: var(--ink); border: 1.5px solid var(--ink); border-radius: 8px; }
.btn-cta-outline:hover { background: #f5f5f5; }
.btn-cta-outline img { filter: none; }
/* Teal variant */
.btn-green { background: var(--teal); color: #FFFFFF; border: 1.5px solid var(--teal); }
.btn-green:hover { background: #009070; border-color: #009070; }
/* White arrow/icon on dark or solid-colour buttons (white text) */
.btn img { flex-shrink: 0; }
.btn-primary img, .btn-purple img, .btn-green img,
.btn-cta-outline img, .btn-dark img,
.btn-cta-ghost img { filter: brightness(0) invert(1); }
.btn-cta-outline img { filter: none; }
/* Nav buttons — smaller, 32px */
.btn-dark {
  background: #000000; color: #FFFFFF; border: 1px solid #000000;
  border-radius: 8px; height: 32px; padding: 0 16px; font-size: 13px; font-weight: 500;
}
.btn-dark:hover { background: #222; }
.btn-ghost-nav {
  background: #FFFFFF; color: var(--ink); border: 1px solid transparent;
  border-radius: 8px; height: 32px; padding: 0 16px; font-size: 13px; font-weight: 400;
}
.btn-ghost-nav:hover { background: var(--bg-soft); border-color: var(--border); }

/* ── NAV ── */
.nav {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  height: var(--nav-h);
  background: #FFFFFF;
  border-bottom: 1px solid var(--border);
  transition: box-shadow 0.3s ease;
}
.nav.scrolled { box-shadow: 0 2px 20px rgba(0,0,0,0.06); }
.nav-inner {
  max-width: var(--w); margin: 0 auto; padding: 0 var(--px);
  height: 100%; display: flex; align-items: center; gap: 40px;
}
.nav-logo img { height: 44px; width: auto; }
.nav-links {
  flex: 1; display: flex; align-items: center; justify-content: center; gap: 4px;
}
.nav-links a {
  font-size: 14px; font-family: var(--sans); color: var(--ink);
  padding: 6px 12px; border-radius: 8px;
  transition: background 0.15s ease, color 0.15s ease; font-weight: 400;
}
.nav-links a:hover { background: var(--bg-soft); }
.nav-links a.active { color: var(--blue); font-weight: 500; }
.nav-actions { display: flex; align-items: center; gap: 8px; }
.nav-hamburger {
  display: none; flex-direction: column; gap: 5px;
  background: none; border: none; cursor: pointer; padding: 8px; margin-left: auto;
}
.nav-hamburger span {
  display: block; width: 24px; height: 2px;
  background: var(--ink); border-radius: 2px; transition: all 0.3s ease;
}
.nav-hamburger.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-hamburger.open span:nth-child(2) { opacity: 0; }
.nav-hamburger.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* Mobile Nav Overlay */
.nav-overlay {
  position: fixed; top: 0; left: 0; right: 0; bottom: 0;
  background: #FFFFFF; z-index: 999;
  display: flex; flex-direction: column; align-items: flex-start;
  padding: calc(var(--nav-h) + 40px) 32px 40px;
  gap: 8px;
  transform: translateY(-100%); transition: transform 0.35s ease;
  pointer-events: none;
}
.nav-overlay.open { transform: translateY(0); pointer-events: all; }
.nav-overlay a {
  font-size: 24px; font-family: var(--sans); color: var(--ink);
  padding: 12px 0; border-bottom: 1px solid var(--border); width: 100%; font-weight: 400;
}
.nav-overlay a.active { color: var(--blue); }
.nav-overlay .nav-overlay-actions { margin-top: 24px; display: flex; flex-direction: column; gap: 12px; width: 100%; }
.nav-overlay .nav-overlay-actions .btn { width: 100%; min-width: unset; justify-content: center; }

/* ── BREADCRUMB ── */
.breadcrumb { padding: 12px 0; border-bottom: 1px solid var(--border); background: #FFFFFF; }
.breadcrumb-inner {
  max-width: var(--w); margin: 0 auto; padding: 0 var(--px);
  display: flex; align-items: center; gap: 8px;
  font-size: 14px; font-family: var(--sans);
}
.breadcrumb a { color: var(--blue); }
.breadcrumb span { color: var(--muted); }
.breadcrumb .bc-sep { color: var(--muted); }

/* ── HERO (homepage) ── */
.hero { padding: 80px 0 0; background: #FFFFFF; text-align: center; overflow: hidden; }
.hero-inner { max-width: var(--w); margin: 0 auto; padding: 0 var(--px); }
.hero h1 {
  font-family: var(--serif);
  font-size: clamp(40px, 6.5vw, 84px); line-height: 1.05;
  font-weight: 400; color: #000000;
  max-width: 920px; margin: 0 auto 40px;
}
.hero-sub {
  font-size: 18px; line-height: 26px; font-weight: 300; color: var(--ink);
  max-width: 680px; margin: 0 auto 0;
}
.hero-buttons {
  display: flex; align-items: center; justify-content: center;
  gap: 16px; margin-bottom: 64px; flex-wrap: wrap;
}

/* ── HERO PRODUCT VISUAL ── */
.hero-product {
  position: relative;
  background: rgba(0,80,202,0.85);
  border-radius: 0;
  overflow: hidden;
  max-width: 1280px; margin: 0 auto;
  height: 420px;
}
.hero-product svg { width: 100%; height: 100%; }

/* ── STATS SECTION ── */
.stats-section { background: #FFFFFF; padding: var(--section) 0; overflow: hidden; }
.stats-header {
  display: grid; grid-template-columns: 1fr 1fr; gap: 40px; align-items: start; margin-bottom: 64px;
}
.stats-header-label {
  font-size: 18px; font-weight: 400; font-family: var(--sans);
  color: var(--purple); text-transform: uppercase; letter-spacing: 0.05em; margin-bottom: 16px;
}
.stats-header h2 { font-family: var(--serif); font-size: 48px; line-height: 52px; font-weight: 400; color: #000000; }
.stats-header-sub { font-size: 20px; line-height: 28px; font-weight: 300; color: var(--ink); text-align: right; padding-top: 8px; }
.stats-grid {
  position: relative;
  display: grid; grid-template-columns: repeat(4, 1fr);
  border: 1px solid var(--border); border-radius: 0; overflow: hidden;
}
.stats-glow-bg {
  position: absolute; inset: 0;
  background: var(--stats-glow); opacity: 0.08;
  pointer-events: none; z-index: 0; filter: blur(40px);
}
.stat-cell {
  position: relative; z-index: 1; padding: 40px 32px;
  border-right: 1px solid var(--border); border-bottom: 1px solid var(--border);
}
.stat-cell:nth-child(4n)   { border-right: none; }
.stat-cell:nth-child(n+5)  { border-bottom: none; }
.stat-number {
  font-family: var(--serif); font-size: clamp(40px, 5vw, 84px); line-height: 1;
  font-weight: 400; color: var(--blue); display: block; margin-bottom: 8px;
}
.stat-label { font-size: 20px; line-height: 28px; font-weight: 300; color: var(--ink); font-family: var(--sans); }

/* ════════════════════════════════════════════════════
   GLOBAL SECTION LAYOUT HIERARCHY
   Rule: (Pill ─24px─ Heading) ─32px─ Body ─80px─ Content
   ════════════════════════════════════════════════════ */

/* Pill + Heading wrapper — badge provides 24px gap via margin-bottom */
.sec-ph {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  margin-bottom: 24px;    /* Heading group → Body: reduced to tighten */
}
.sec-ph .badge   { margin-bottom: 20px; }  /* Pill → Heading: 20px */
.sec-ph h2,
.sec-ph .section-h2,
.sec-ph .hp-certs-h2,
.sec-ph .hp-testi-h2,
.sec-ph .certs-h2 { margin-bottom: 0; }

/* When no body text follows, remove the 32px */
.sec-ph.no-body { margin-bottom: 0; }

/* Centered section top */
.sec-top-c {
  text-align: center;
  display: flex;
  flex-direction: column;
  align-items: center;
  margin: 0 auto 64px;
  width: 100%;
}
/* Centered .sec-ph: badge centres and hugs */
.sec-top-c .sec-ph {
  align-items: center;
}
/* Left-aligned section top */
.sec-top-l {
  margin-bottom: 64px;
}
/* Section body text (after Heading, before content) */
.sec-sub {
  font-family: var(--sans);
  font-size: 16px;
  line-height: 1.65;
  font-weight: 400;
  color: var(--muted);
  max-width: 920px;
}
.sec-sub.center { text-align: center; }

/* ── SECTION LAYOUTS ── */
/* Inner-page section header — matches home page hierarchy:
   badge ─20px─ heading ─24px─ sub ─64px─ content */
.section-header { max-width: 800px; margin-bottom: 64px; }
.section-header.centered { max-width: 800px; margin: 0 auto 64px; text-align: center; }
.section-header .badge { margin-bottom: 20px; }
.section-header .section-h2 { margin-bottom: 24px; }
.section-header .section-sub { margin-bottom: 0; }
.section-header .section-h2:last-child { margin-bottom: 0; }
.section-h2 {
  font-family: var(--serif);
  font-size: clamp(32px, 4vw, 56px);  /* consistent across all sections */
  line-height: 1.1;
  font-weight: 400;
  color: #000000;
  margin-bottom: 0;                   /* spacing handled by container */
}
.section-h2.white { color: #FFFFFF; }
/* Body/description text — DM Sans 400, 16px, line-height 1.65 */
.section-sub {
  font-family: var(--sans);
  font-size: 16px;
  line-height: 1.65;
  font-weight: 400;
  color: var(--ink);
}
.section-sub.white  { color: rgba(255,255,255,0.78); }
.section-sub.muted  { color: var(--muted); }
.cards-4 { display: grid; grid-template-columns: repeat(4,1fr); gap: 24px; }
.cards-3 { display: grid; grid-template-columns: repeat(3,1fr); gap: 24px; }
.cards-2 { display: grid; grid-template-columns: repeat(2,1fr); gap: 24px; }
.cards-6 { display: grid; grid-template-columns: repeat(3,1fr); gap: 24px; }

/* Feature Card */
.feature-card {
  background: #FFFFFF; border: 1px solid var(--border); border-radius: 0; padding: 32px;
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}
.feature-card:hover { transform: translateY(-4px); box-shadow: 0 12px 40px rgba(0,0,0,0.08); }
.feature-icon {
  width: 48px; height: 48px; border-radius: 50%;
  display: flex; align-items: center; justify-content: center; margin-bottom: 24px; flex-shrink: 0;
}
.icon-teal   { background: rgba(0,170,130,0.12); }
.icon-blue   { background: rgba(0,80,202,0.10); }
.icon-purple { background: rgba(106,0,172,0.10); }
.feature-card h3 {
  font-family: var(--serif); font-size: 40px; line-height: 40px;
  font-weight: 400; color: #000000; margin-bottom: 16px;
}
.feature-card p { font-size: 20px; line-height: 28px; font-weight: 300; color: var(--ink); }
.module-card h3 { font-family: var(--serif); font-size: 29px; line-height: 29px; }

/* Dark Feature Card */
.feature-card-dark {
  background: rgba(255,255,255,0.04); border: 1px solid rgba(255,255,255,0.12);
  border-radius: 0; padding: 32px;
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}
.feature-card-dark:hover { transform: translateY(-4px); box-shadow: 0 12px 40px rgba(0,0,0,0.3); }
.feature-card-dark h3 { font-family: var(--serif); font-size: 40px; line-height: 40px; color: #FFFFFF; margin-bottom: 16px; }
.feature-card-dark p  { font-size: 16px; line-height: 24px; font-weight: 300; color: rgba(255,255,255,0.7); }

/* ── SOLUTIONS ── */
.solutions-section { background: #FFFFFF; padding: var(--section) 0; }
.solution-card { border-radius: 0; padding: 48px; display: flex; flex-direction: column; gap: 20px; transition: transform 0.2s ease; }
.solution-card:hover { transform: translateY(-4px); }
.solution-card-blue { background: rgba(0,80,202,0.04);   border: 1px solid rgba(0,80,202,0.12); }
.solution-card-teal { background: rgba(0,170,130,0.04);  border: 1px solid rgba(0,170,130,0.12); }
.solution-label { font-size: 18px; font-weight: 500; font-family: var(--sans); letter-spacing: 0.02em; text-transform: uppercase; }
.solution-label.blue { color: var(--blue); }
.solution-label.teal { color: var(--teal); }
.solution-card h3 { font-family: var(--serif); font-size: 40px; line-height: 40px; font-weight: 400; color: #000000; }
.solution-card p  { font-size: 20px; line-height: 28px; font-weight: 300; color: var(--ink); }
.solution-cta { font-size: 16px; font-weight: 500; display: inline-flex; align-items: center; gap: 6px; margin-top: 8px; transition: gap 0.2s; }
.solution-cta:hover { gap: 12px; }
.solution-cta.blue { color: var(--blue); }
.solution-cta.teal { color: var(--teal); }

/* ── BUILT DIFFERENT ── */
.built-different { background: #FFFFFF; padding: var(--section) 0; }
.built-stats-row {
  display: grid; grid-template-columns: repeat(4,1fr);
  border: 1px solid var(--border); border-radius: 0; overflow: hidden; margin-top: 64px;
}
.built-stat { padding: 40px 32px; border-right: 1px solid var(--border); }
.built-stat:last-child { border-right: none; }
.built-stat-num  { font-family: var(--serif); font-size: clamp(40px,5vw,84px); line-height: 1; color: var(--blue); display: block; margin-bottom: 8px; }
.built-stat-label{ font-size: 16px; font-weight: 400; color: #000000; font-family: var(--sans); margin-bottom: 6px; display: block; }
.built-stat-desc { font-size: 14px; line-height: 20px; color: var(--muted); font-family: var(--sans); font-weight: 400; }

/* ── CERTIFICATIONS ── */
.certs-section { background: #000000; padding: var(--section) 0; }
.cert-card {
  background: rgba(255,255,255,0.04); border: 1px solid rgba(255,255,255,0.12);
  border-radius: 0; padding: 32px; transition: transform 0.2s ease;
}
.cert-card:hover { transform: translateY(-4px); }
.cert-network-label { font-size: 12px; line-height: 16px; font-weight: 300; color: rgba(255,255,255,0.5); text-transform: uppercase; letter-spacing: 0.08em; margin-bottom: 12px; }
.cert-card h3 { font-family: var(--serif); font-size: 20px; line-height: 24px; font-weight: 400; color: #FFFFFF; margin-bottom: 12px; }
.cert-card p  { font-size: 16px; line-height: 24px; font-weight: 300; color: rgba(255,255,255,0.7); }
.cert-logos-row { display: flex; align-items: center; gap: 12px; flex-wrap: wrap; margin-top: 48px; padding-top: 32px; border-top: 1px solid rgba(255,255,255,0.1); }
.cert-logo-pill { display: inline-flex; align-items: center; padding: 6px 16px; border: 1px solid rgba(255,255,255,0.2); border-radius: 100px; font-size: 14px; color: rgba(255,255,255,0.7); font-family: var(--sans); }

/* ── TESTIMONIALS ── */
.testimonials-section { background: #FFFFFF; padding: var(--section) 0; }
.testimonials-header {
  display: flex; align-items: flex-end; justify-content: space-between;
  margin-bottom: 48px; flex-wrap: wrap; gap: 24px;
}
.testimonials-nav { display: flex; gap: 12px; }
.testimonials-nav button {
  width: 44px; height: 44px; border-radius: 50%; border: 1px solid var(--border);
  background: #FFFFFF; display: flex; align-items: center; justify-content: center;
  font-size: 18px; cursor: pointer; transition: all 0.2s ease;
}
.testimonials-nav button:hover { background: var(--bg-soft); border-color: var(--ink); }
.testimonials-track-wrap { overflow: hidden; }
.testimonials-track { display: flex; gap: 24px; transition: transform 0.4s ease; }
.testimonial-card { flex: 0 0 calc(50% - 12px); background: #FFFFFF; border: 1px solid var(--border); border-radius: 0; padding: 40px; }
.testimonial-quote { font-size: 20px; line-height: 28px; font-weight: 300; color: var(--ink); margin-bottom: 32px; font-style: italic; }
.testimonial-footer { display: flex; align-items: center; gap: 16px; }
.testimonial-avatar {
  width: 48px; height: 48px; border-radius: 50%; background: var(--blue);
  display: flex; align-items: center; justify-content: center;
  color: #FFFFFF; font-size: 16px; font-weight: 500; font-family: var(--sans); flex-shrink: 0;
}
.testimonial-name { font-family: var(--serif); font-size: 32px; line-height: 32px; font-weight: 400; color: #000000; }
.testimonial-title { font-size: 12px; line-height: 16px; font-weight: 300; color: var(--muted); margin-top: 4px; }
.testimonials-dots { display: flex; gap: 8px; justify-content: center; margin-top: 32px; }
.testimonials-dots button { width: 8px; height: 8px; border-radius: 50%; border: none; background: var(--border); cursor: pointer; transition: background 0.2s ease; padding: 0; }
.testimonials-dots button.active { background: var(--blue); }

/* ── PRESENCE ── */
.presence-section { background: #FFFFFF; padding: var(--section) 0; text-align: center; }
.globe-visual {
  width: 320px; height: 320px; border-radius: 50%;
  background: radial-gradient(circle at 40% 40%, rgba(0,80,202,0.15), rgba(106,0,172,0.06));
  border: 2px solid rgba(0,80,202,0.15); margin: 48px auto;
  position: relative; display: flex; align-items: center; justify-content: center;
}
.globe-dot { position: absolute; width: 10px; height: 10px; border-radius: 50%; background: var(--blue); box-shadow: 0 0 0 4px rgba(0,80,202,0.2); }
.countries-row { display: flex; align-items: center; justify-content: center; gap: 32px; flex-wrap: wrap; margin-top: 40px; }
.country-item { display: flex; align-items: center; gap: 8px; font-size: 16px; font-family: var(--sans); color: var(--ink); }
.country-flag { font-size: 24px; line-height: 1; }

/* ── PRESENCE (home-page style, shared) ── */
.hp-presence-section { background: #fff; padding: var(--section) 0; text-align: center; }
.hp-presence-section .sec-top-c { max-width: 900px; }
.hp-globe-wrap { margin: 64px auto 0; width: 100%; max-width: 1280px; height: auto; overflow: visible; position: relative; display: flex; align-items: center; justify-content: center; }
#globeCanvas { display: block; width: 500px !important; height: 500px !important; }
.hp-globe-wrap video { width: 100%; max-width: 1280px; height: auto; object-fit: contain; display: block; }
/* Responsive globe: desktop shows Globe.mp4, mobile shows Globe-mobile.mp4 */
.hp-globe-wrap .globe-video-mobile { display: none; }
@media (max-width: 768px) {
  .hp-globe-wrap .globe-video-desktop { display: none; }
  .hp-globe-wrap .globe-video-mobile { display: block; }
}
.hp-countries-row { display: flex; align-items: center; justify-content: center; gap: 12px; flex-wrap: wrap; margin-top: 48px; }
.hp-country-item {
  display: inline-flex; align-items: center; gap: 8px;
  font-family: var(--sans); font-size: 13px; font-weight: 400;
  color: var(--ink); white-space: nowrap;
  background: #FFFFFF; border: 1px solid rgba(0,0,0,0.1);
  border-radius: 100px; padding: 6px 16px 6px 8px;
  box-shadow: 0 1px 4px rgba(0,0,0,0.06);
  transition: border-color 0.2s, box-shadow 0.2s;
}
.hp-country-item:hover { border-color: rgba(0,80,202,0.25); box-shadow: 0 2px 10px rgba(0,80,202,0.1); }
.hp-country-flag { width: 22px; height: 22px; border-radius: 50%; display: block; flex-shrink: 0; object-fit: cover; }
@media (max-width: 768px) {
  .hp-globe-wrap { width: 100%; }
  .hp-countries-row {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 8px;
    margin-top: 32px;
  }
  .hp-country-item {
    justify-content: center;
    padding: 8px 10px;
    font-size: 12px;
    gap: 6px;
    width: 100%;
    box-sizing: border-box;
  }
  .hp-country-flag { width: 16px; height: 16px; }
}

/* ── CTA SECTION ── */
.cta-section { background: url('../assets/img/Gradient.svg') center/cover no-repeat; padding: var(--section) 0; text-align: center; }
.cta-section .section-h2 { color: #FFFFFF; max-width: 800px; margin: 0 auto 20px; }
.cta-section .section-sub { color: rgba(255,255,255,0.85); max-width: 560px; margin: 0 auto 40px; }
.cta-buttons { display: flex; align-items: center; justify-content: center; gap: 16px; flex-wrap: wrap; }

/* ── FOOTER ── */
.footer { background: rgba(0,0,0,0.96); padding: 80px 0 40px; }

/* Footer outer: brand left | link-columns right — two-div flex row */
.footer-top {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 80px;
  padding-bottom: 56px;
  border-bottom: 1px solid rgba(255,255,255,0.1);
  margin-bottom: 32px;
}
.footer-brand {
  flex: 0 0 260px;
  display: flex;
  flex-direction: column;
  gap: 20px;
}
/* Fix logo sizing — height: auto so aspect ratio is never forced */
.footer-logos { display: block; }
.footer-logo-img {
  width: 100%;
  max-width: 240px;
  height: auto !important;   /* override any inherited height */
  display: block;
}
.footer-tagline {
  font-family: var(--sans);
  font-size: 14px;
  line-height: 1.65;
  font-weight: 400;
  color: rgba(255,255,255,0.5);
  max-width: 240px;
}

/* Link columns group — horizontal flex, fills remaining space */
.footer-cols {
  display: flex;
  gap: 56px;
  flex: 1;
  justify-content: flex-end;
}
.footer-col { min-width: 140px; }
.footer-col-title {
  font-family: var(--sans);
  font-size: 11px;
  font-weight: 600;
  color: rgba(255,255,255,0.35);
  text-transform: uppercase;
  letter-spacing: 0.1em;
  margin-bottom: 20px;
}
.footer-col ul { display: flex; flex-direction: column; gap: 12px; }
.footer-col ul li a {
  font-family: var(--sans);
  font-size: 14px;
  font-weight: 400;
  color: rgba(255,255,255,0.65);
  transition: color 0.2s ease;
}
.footer-col ul li a:hover { color: #FFFFFF; }

/* Footer bottom — copyright only, no duplicate links */
.footer-bottom {
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 16px;
}
.footer-copyright { font-size: 13px; color: rgba(255,255,255,0.3); font-family: var(--sans); }
/* Keep .footer-legal in CSS for backwards compat but it's removed from HTML */
.footer-legal { display: flex; gap: 24px; }
.footer-legal a { font-size: 13px; color: rgba(255,255,255,0.3); transition: color 0.2s ease; }
.footer-legal a:hover { color: rgba(255,255,255,0.65); }

/* ── BROWSER MOCKUP ── */
.browser-mockup { border-radius: 0; background: #F0F0F0; box-shadow: 0 20px 60px rgba(0,0,200,0.2); overflow: hidden; max-width: 1100px; margin: 64px auto 0; }
.browser-chrome { background: #E8E8E8; padding: 12px 16px; display: flex; align-items: center; gap: 12px; }
.browser-dots { display: flex; gap: 6px; }
.browser-dots span { width: 12px; height: 12px; border-radius: 50%; }
.dot-red    { background: #FF5F57; }
.dot-yellow { background: #FFBD2E; }
.dot-green  { background: #28C840; }
.browser-url { flex: 1; background: #FFFFFF; border-radius: 6px; padding: 4px 12px; font-size: 13px; color: var(--muted); font-family: var(--sans); }
.browser-body { display: flex; height: 420px; background: #FFFFFF; }
.dashboard-sidebar { width: 200px; background: #1a1a2e; padding: 20px 0; flex-shrink: 0; overflow: hidden; }
.sidebar-logo { display: flex; align-items: center; justify-content: center; height: 44px; margin-bottom: 24px; }
.sidebar-logo-mark { width: 32px; height: 32px; border-radius: 8px; background: var(--blue); display: flex; align-items: center; justify-content: center; color: #FFFFFF; font-size: 14px; font-weight: 600; font-family: var(--sans); }
.sidebar-nav-item { display: block; padding: 9px 20px; font-size: 12px; color: rgba(255,255,255,0.55); font-family: var(--sans); transition: all 0.15s ease; cursor: pointer; }
.sidebar-nav-item:hover, .sidebar-nav-item.active { background: rgba(255,255,255,0.08); color: #FFFFFF; }
.dashboard-main { flex: 1; padding: 20px; overflow: hidden; }
.dash-topbar { display: flex; align-items: center; justify-content: space-between; margin-bottom: 20px; }
.dash-title { font-size: 15px; font-weight: 600; color: var(--ink); font-family: var(--sans); }
.dash-avatar { width: 32px; height: 32px; border-radius: 50%; background: var(--blue); display: flex; align-items: center; justify-content: center; color: #FFFFFF; font-size: 12px; font-family: var(--sans); }
.dash-metrics { display: grid; grid-template-columns: repeat(4,1fr); gap: 12px; margin-bottom: 20px; }
.dash-metric { background: var(--bg-soft); border-radius: 8px; padding: 12px 14px; border: 1px solid var(--border); }
.dash-metric-label { font-size: 10px; font-weight: 500; color: var(--muted); font-family: var(--sans); text-transform: uppercase; letter-spacing: 0.06em; margin-bottom: 6px; }
.dash-metric-value { font-size: 20px; font-weight: 600; color: var(--ink); font-family: var(--sans); }
.dash-metric-change { font-size: 10px; margin-top: 4px; }
.dash-metric-change.up   { color: var(--teal); }
.dash-metric-change.down { color: #E53E3E; }
.dash-chart-area { background: var(--bg-soft); border-radius: 8px; height: 160px; padding: 16px; display: flex; flex-direction: column; justify-content: flex-end; overflow: hidden; position: relative; }
.dash-chart-title { position: absolute; top: 12px; left: 16px; font-size: 11px; font-weight: 500; color: var(--muted); }
.chart-bars { display: flex; align-items: flex-end; gap: 6px; height: 100px; }
.chart-bar { flex: 1; background: var(--blue); border-radius: 3px 3px 0 0; opacity: 0.7; transition: opacity 0.2s; }
.chart-bar:hover { opacity: 1; }

/* ── INNER PAGE HERO ── */
.hero-inner-page { padding: 60px 0; background: #FFFFFF; text-align: center; }
.hero-inner-page h1 { font-family: var(--serif); font-size: clamp(36px,5vw,68px); line-height: 1.06; font-weight: 400; color: var(--ink); max-width: 860px; margin: 0 auto 40px; }
/* Left-aligned variant — Platform / For Banks / For Fintechs (matches Home) */
.hero-inner-page.hero-left { text-align: left; }
.hero-inner-page.hero-left h1 { margin-left: 0; margin-right: 0; max-width: 1000px; }
.hero-inner-page.hero-left .hero-sub { margin-left: 0; margin-right: 0; max-width: 720px; }
.hero-inner-page.hero-left .hero-buttons { justify-content: flex-start; }
.hero-inner-page.hero-left .hero-inline-stats { justify-content: flex-start; }
.hero-inline-stats { display: flex; align-items: center; justify-content: center; gap: 40px; margin: 32px 0; flex-wrap: wrap; }
.inline-stat { text-align: center; }
.inline-stat-num { font-family: var(--serif); font-size: 24px; line-height: 1; color: #000000; display: block; }
.inline-stat-label { font-size: 12px; color: var(--muted); font-family: var(--sans); margin-top: 4px; }

/* ── LIFECYCLE FLOW ── */
.lifecycle-section { background: #F9FAFB; padding: var(--section) 0; position: relative; overflow: hidden; }
.lifecycle-flow { display: flex; align-items: flex-start; margin-top: 64px; position: relative; }
/* Transaction lifecycle SVG (replaces the manual flow) */
.lifecycle-svg-wrap { margin-top: 64px; width: 100%; }
.lifecycle-svg-wrap img { width: 100%; height: auto; display: block; }
.lifecycle-step { flex: 1; display: flex; flex-direction: column; align-items: center; text-align: center; position: relative; }
.lifecycle-step-connector { position: absolute; top: 29px; left: 50%; right: -50%; height: 2px; background: linear-gradient(to right, var(--blue), rgba(0,80,202,0.3)); z-index: 0; }
.lifecycle-step:last-child .lifecycle-step-connector { display: none; }
.lifecycle-circle { width: 60px; height: 60px; border-radius: 50%; border: 2px solid var(--blue); display: flex; align-items: center; justify-content: center; background: #FFFFFF; z-index: 1; font-family: var(--sans); font-size: 18px; font-weight: 600; color: var(--blue); margin-bottom: 16px; position: relative; }
.lifecycle-title { font-size: 14px; font-weight: 500; color: #000000; font-family: var(--sans); margin-bottom: 8px; }
.lifecycle-desc { font-size: 12px; color: var(--muted); font-family: var(--sans); line-height: 18px; max-width: 140px; }

/* ── PLATFORM TABS ── */
.tabs-section { background: #000000; padding: var(--section) 0; }
.tabs-nav { display: flex; border-bottom: 1px solid rgba(255,255,255,0.1); margin-bottom: 48px; overflow-x: auto; }
.tab-btn { padding: 12px 24px; font-size: 16px; font-family: var(--sans); color: rgba(255,255,255,0.4); background: none; border: none; border-bottom: 2px solid transparent; cursor: pointer; transition: all 0.2s ease; white-space: nowrap; }
.tab-btn.active { color: #FFFFFF; border-bottom-color: #FFFFFF; }
.tab-panel { display: none; }
.tab-panel.active { display: block; }
.tab-content-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: start; }
.tab-heading { font-family: var(--serif); font-size: 40px; line-height: 40px; font-weight: 400; color: #FFFFFF; margin-bottom: 20px; }
.tab-body { font-size: 20px; line-height: 28px; font-weight: 300; color: rgba(255,255,255,0.7); margin-bottom: 32px; }
.tab-features-list { display: flex; flex-direction: column; gap: 12px; }
.tab-feature-item { display: flex; align-items: center; gap: 12px; font-size: 15px; color: rgba(255,255,255,0.75); font-family: var(--sans); }
.tab-feature-icon { width: 28px; height: 28px; border-radius: 50%; display: flex; align-items: center; justify-content: center; font-size: 11px; color: #FFFFFF; flex-shrink: 0; font-weight: 600; font-family: var(--sans); }

/* ══════════════════════════════════════════════
   FEATURES & MODULES — 3 stacked cards (Figma pixel-perfect)
   ══════════════════════════════════════════════ */
.pf-modules { background: #0E0E0E; padding: var(--section) 0; position: relative; overflow: hidden; }
.pf-modules .container { position: relative; z-index: 1; }
.pf-modules-head { margin-bottom: 48px; }
.pf-stack { display: flex; flex-direction: column; gap: 24px; }

/* Card: white, left visual panel + right content */
.pf-card {
  background: #FFFFFF;
  display: grid;
  grid-template-columns: 409px 1fr;
  gap: 32px;
  padding: 24px;
  align-items: stretch;
}

/* Left coloured visual panel with phone */
.pf-visual {
  border-radius: 16px;
  position: relative;
  overflow: hidden;
  min-height: 540px;
  display: flex;
  align-items: center;
  justify-content: center;
}
.pf-visual--purple { background: linear-gradient(160deg, #CDB2F2 0%, #9466D6 100%); }
.pf-visual--blue   { background: linear-gradient(160deg, #A7C7F2 0%, #4E84D4 100%); }
.pf-visual--green  { background: linear-gradient(160deg, #A6E2C0 0%, #4FB888 100%); }
/* SVG artwork replaces phone mockup — no background needed */
.pf-visual--svg    { background: none; padding: 0; }
.pf-visual-img     { width: 100%; height: 100%; object-fit: cover; display: block; min-height: 540px; }

/* Phone mockup */
.pf-phone {
  width: 230px;
  background: #fff;
  border-radius: 28px;
  padding: 0 0 28px;
  box-shadow: 0 24px 60px rgba(0,0,0,0.22);
  position: relative;
  overflow: hidden;
}
.pf-phone-notch { width: 90px; height: 22px; background: #fff; border-radius: 0 0 14px 14px; position: absolute; top: 0; left: 50%; transform: translateX(-50%); z-index: 2; }
.pf-phone-status { display: flex; align-items: center; justify-content: space-between; padding: 12px 20px 0; font-family: var(--sans); font-size: 12px; font-weight: 600; color: #111; }
.pf-phone-sig { width: 16px; height: 10px; background: #111; border-radius: 2px; opacity: 0.8; }
.pf-phone-body { display: flex; flex-direction: column; align-items: center; padding: 70px 24px 40px; }
.pf-tick { width: 72px; height: 72px; border-radius: 50%; background: #2BB673; display: flex; align-items: center; justify-content: center; margin-bottom: 28px; box-shadow: 0 8px 20px rgba(43,182,115,0.35); }
.pf-tick svg { width: 34px; height: 34px; }
.pf-amount { font-family: var(--sans); font-size: 26px; font-weight: 700; color: #111; margin-bottom: 8px; }
.pf-success { font-family: var(--sans); font-size: 13px; font-weight: 600; color: #2BB673; margin-bottom: 6px; }
.pf-paidto { font-family: var(--sans); font-size: 11px; color: #888; text-align: center; line-height: 1.4; }

/* Right content */
.pf-content { display: flex; flex-direction: column; justify-content: space-between; padding: 24px 24px 24px 0; }
.pf-cat {
  display: inline-block;
  font-family: var(--sans);
  font-size: 11px; font-weight: 600; letter-spacing: 0.08em;
  color: var(--blue);
  background: rgba(0,80,202,0.07);
  border: 1px solid rgba(0,80,202,0.18);
  border-radius: 100px;
  padding: 7px 16px;
  margin-bottom: 24px;
}
.pf-title { font-family: var(--serif); font-size: clamp(28px,2.6vw,38px); font-weight: 400; color: #000; line-height: 1.15; margin-bottom: 16px; max-width: 720px; }
.pf-desc { font-family: var(--sans); font-size: 15px; line-height: 1.65; color: var(--muted); font-weight: 400; max-width: 760px; }

/* Module pills grid */
.pf-pills { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 10px; margin-top: 40px; width: 100%; }
.pf-pill {
  display: flex; align-items: center; gap: 10px;
  width: 100%; min-width: 0;
  padding: 7px 10px;
  border: 1px solid var(--border);
  border-radius: 8px;
  font-family: var(--sans);
  font-size: 12px; line-height: 1.35; font-weight: 500; color: #2E3033;
  background: #fff;
}
.pf-pill-ic { width: 27px; height: 27px; border-radius: 7px; display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.pf-pill-ic svg { width: 15px; height: 15px; }
/* Figma library icon exports — filter to white on coloured tiles */
.pf-pill-ic img { width: 15px; height: 15px; display: block; filter: brightness(0) invert(1); }
.tspec-ic img   { width: 22px; height: 22px; display: block; filter: brightness(0) invert(1); }

@media (max-width: 1100px) {
  .pf-card { grid-template-columns: 1fr; }
  .pf-visual { min-height: 360px; }
  .pf-content { padding: 24px 0; }
  .pf-pills { grid-template-columns: repeat(3, minmax(0, 1fr)); }
}
@media (max-width: 640px) {
  .pf-pills { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .pf-title { font-size: 26px; }
}

/* ── TECHNICAL SPECS (enterprise cards) ── */
.tspec-section { background: #FFFFFF; padding: var(--section) 0; }
.tspec-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.tspec-card {
  --acc: #0050CA;
  position: relative;
  border: 1px solid var(--border);
  border-radius: 0;
  padding: 24px;
  background: linear-gradient(180deg, #FFFFFF 52%, color-mix(in srgb, var(--acc) 9%, #FFFFFF) 100%);
  transition: transform 0.2s ease, box-shadow 0.2s ease, border-color 0.2s ease;
}
.tspec-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 16px 44px rgba(0,0,0,0.08);
  border-color: color-mix(in srgb, var(--acc) 32%, var(--border));
}
.tspec-head { display: flex; align-items: center; gap: 14px; margin-bottom: 20px; }
.tspec-ic {
  width: 40px; height: 40px; border-radius: 10px; flex-shrink: 0;
  display: flex; align-items: center; justify-content: center;
  background: var(--acc);
}
.tspec-ic svg { width: 22px; height: 22px; }
.tspec-title { font-family: var(--sans); font-size: 17px; font-weight: 500; color: var(--ink); margin: 0; }
.tspec-list { display: flex; flex-direction: column; gap: 14px; }
.tspec-li { display: flex; align-items: flex-start; gap: 12px; }
.tspec-dot { width: 6px; height: 6px; border-radius: 50%; background: var(--acc); margin-top: 7px; flex-shrink: 0; }
.tspec-li > span:last-child { font-family: var(--sans); font-size: 14px; line-height: 1.5; color: var(--muted); }

/* ── NETWORKS (solar-system orbit) ── */
.networks-section { background: var(--bg-soft); padding: var(--section) 0; overflow: hidden; }
.solar {
  position: relative;
  width: min(840px, 94vw);
  height: min(840px, 94vw);
  margin: 40px auto 0;
}
/* the sun */
.solar-sun {
  position: absolute; top: 50%; left: 50%; transform: translate(-50%, -50%);
  width: clamp(118px, 17vw, 170px); height: clamp(118px, 17vw, 170px);
  border-radius: 50%; background: #FFFFFF; z-index: 4;
  display: flex; align-items: center; justify-content: center;
  box-shadow: 0 0 0 8px rgba(255,255,255,0.55), 0 22px 55px rgba(0,80,202,0.20);
}
.solar-sun::before {
  content: ''; position: absolute; inset: -34px; border-radius: 50%; z-index: -1;
  background: radial-gradient(circle, rgba(0,80,202,0.16) 0%, rgba(0,80,202,0) 70%);
}
.solar-sun img { width: 76%; height: auto; display: block; }
/* orbit rings (spin) */
.orbit {
  position: absolute; top: 50%; left: 50%;
  border-radius: 50%;
  border: 1px solid rgba(15,23,42,0.08);
  transform: translate(-50%, -50%);
}
.orbit-1 { width: 100%; height: 100%; animation: orbit-spin 90s linear infinite; }
.orbit-2 { width: 70%;  height: 70%;  animation: orbit-spin 72s linear infinite reverse; }
.orbit-3 { width: 43%;  height: 43%;  animation: orbit-spin 56s linear infinite; }
/* arm positions a planet at angle --a on the ring edge */
.node {
  position: absolute; left: 50%; top: 0; width: 0; height: 50%;
  transform-origin: bottom center;
  transform: translateX(-50%) rotate(var(--a));
}
.node .badge {
  position: absolute; left: 50%; top: 0;
  width: var(--sz); height: var(--sz);
  margin-left: calc(var(--sz) / -2);
  margin-top: calc(var(--sz) / -2);
  border-radius: 50%; background: #FFFFFF;
  box-shadow: 0 6px 22px rgba(15,23,42,0.10);
  display: flex; align-items: center; justify-content: center;
  transform: rotate(calc(var(--a) * -1));
  transition: box-shadow 0.2s ease;
}
.node .badge img { width: 100%; height: 100%; object-fit: contain; display: block; border-radius: 50%; }
.orbit-1 .node .badge { --sz: clamp(62px, 8.4vw, 92px); }
.orbit-2 .node .badge { --sz: clamp(56px, 7.4vw, 80px); }
.orbit-3 .node .badge { --sz: clamp(52px, 6.6vw, 74px); }
/* counter-rotate logos so they stay upright while orbiting */
.orbit-1 .node .badge img { animation: spin 90s linear infinite reverse; }
.orbit-2 .node .badge img { animation: spin 72s linear infinite; }
.orbit-3 .node .badge img { animation: spin 56s linear infinite reverse; }
/* pause on hover */
.solar:hover .orbit,
.solar:hover .node .badge img { animation-play-state: paused; }
@keyframes orbit-spin { to { transform: translate(-50%, -50%) rotate(360deg); } }
@keyframes spin { to { transform: rotate(360deg); } }
/* Horizontal marquee — used by logo scroll strips across all pages */
@keyframes net-scroll { from { transform: translateX(0); } to { transform: translateX(-50%); } }
.net-scroll-wrap { overflow: hidden; }
.net-scroll-track { display: flex; gap: 12px; width: max-content; animation: net-scroll 30s linear infinite; }
.net-scroll-track:hover { animation-play-state: paused; }
@media (prefers-reduced-motion: reduce) {
  .orbit, .node .badge img { animation: none !important; }
}

/* ── CHALLENGE ── */
.challenge-section { background: #FFFFFF; padding: var(--section) 0; }
.bank-challenge-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.bank-challenge-card {
  background: #FFFFFF;
  border: 1px solid var(--border);
  border-radius: 0;
  padding: 0;
  overflow: hidden;
  transition: transform 0.2s ease, box-shadow 0.2s ease, border-color 0.2s ease;
}
.bank-challenge-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 16px 44px rgba(0,0,0,0.08);
  border-color: rgba(0,80,202,0.22);
}
.bank-challenge-visual {
  min-height: 180px;
  background: linear-gradient(180deg, #F8FBFF 0%, #FFFFFF 100%);
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 24px;
}
.bank-challenge-visual img { width: 100%; height: auto; object-fit: contain; display: block; }
.bank-challenge-body { padding: 0 28px 32px; }
.bank-challenge-body h3 {
  font-family: var(--serif);
  font-size: clamp(26px,2.2vw,34px);
  line-height: 1.08;
  font-weight: 400;
  color: #000000;
  margin-bottom: 14px;
}
.bank-challenge-body p {
  font-family: var(--sans);
  font-size: 15px;
  line-height: 1.65;
  font-weight: 400;
  color: var(--muted);
}
.challenge-vs { display: grid; grid-template-columns: 1fr 1fr; gap: 32px; margin-top: 64px; }
.challenge-col h3 { font-family: var(--serif); font-size: 29px; line-height: 29px; font-weight: 400; color: #000000; margin-bottom: 24px; }
.challenge-list { display: flex; flex-direction: column; gap: 16px; }
.challenge-item { display: flex; align-items: flex-start; gap: 12px; font-size: 16px; line-height: 24px; color: var(--ink); font-family: var(--sans); }
.challenge-icon { width: 24px; height: 24px; border-radius: 50%; display: flex; align-items: center; justify-content: center; font-size: 12px; flex-shrink: 0; font-weight: 700; margin-top: 2px; }
.icon-x    { background: rgba(229,62,62,0.1);  color: #E53E3E; }
.icon-tick { background: rgba(0,170,130,0.1);   color: var(--teal); }

/* ── BANK VALUE SECTION ── */
.bank-value-section {
  background: #0E0E0E;
  padding: var(--section) 0;
  position: relative;
  overflow: hidden;
}
.bank-value-section::before {
  content: '';
  position: absolute;
  inset: 0;
  background: url('../assets/img/features&modules-bg.svg') center/1280px auto no-repeat;
  opacity: 0.18;
  pointer-events: none;
}
.bank-value-section .container { position: relative; z-index: 1; }
.bank-value-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
.bank-value-card {
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: 0;
  padding: 28px;
  min-height: 260px;
  display: flex;
  flex-direction: column;
  transition: transform 0.2s ease, border-color 0.2s ease, background 0.2s ease;
}
.bank-value-card:hover {
  transform: translateY(-4px);
  background: rgba(255,255,255,0.07);
  border-color: rgba(255,255,255,0.22);
}
.bank-value-icon {
  width: 60px;
  height: 60px;
  margin-bottom: 24px;
  display: flex;
  align-items: center;
  justify-content: center;
  background-color: var(--blue);
  border-radius: 8px;
}
.bank-value-icon img { width: 34px; height: 34px; object-fit: contain; display: block; filter: brightness(0) invert(1); opacity: 0.92; }
.bank-value-card h3 {
  font-family: var(--serif);
  font-size: clamp(24px,2.1vw,32px);
  line-height: 1.08;
  font-weight: 400;
  color: #FFFFFF;
  margin-bottom: 14px;
}
.bank-value-card p {
  font-family: var(--sans);
  font-size: 15px;
  line-height: 1.65;
  font-weight: 400;
  color: rgba(255,255,255,0.68);
}

/* ── BANK IMPLEMENTATION ── */
.bank-implementation-section { background: #F9FAFB; padding: var(--section) 0; position: relative; overflow: hidden; }
/* Implementation background SVG — bottom-anchored, centred, max 1280px */
.impl-bg-img {
  position: absolute;
  bottom: 0; left: 50%;
  transform: translateX(-50%);
  width: 100%; max-width: 1280px;
  height: auto;
  z-index: 0; pointer-events: none;
  opacity: 1;
}
.bank-implementation-section .container,
.lifecycle-section .container { position: relative; z-index: 1; }
.bank-implementation-visual {
  margin-top: 56px;
  background: #ffffff00;
  border: none solid var(--border);
  border-radius: 0;
  padding: none;
  overflow: hidden;
}
.bank-implementation-visual img { width: 100%; height: auto; display: block; }

/* ── DEPLOYMENT MODELS ── */
.deployment-section { background: #FFFFFF; padding: var(--section) 0; }
.bank-deployment-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.bank-deploy-card {
  --acc: #0050CA;
  background: linear-gradient(180deg, #FFFFFF 52%, color-mix(in srgb, var(--acc) 9%, #FFFFFF) 100%);
  border: 1px solid var(--border);
  border-radius: 0;
  padding: 28px;
  transition: transform 0.2s ease, box-shadow 0.2s ease, border-color 0.2s ease;
}
.bank-deploy-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 16px 44px rgba(0,0,0,0.08);
  border-color: color-mix(in srgb, var(--acc) 32%, var(--border));
}
.bank-deploy-blue { --acc: #0050CA; }
.bank-deploy-teal { --acc: #00AA82; }
.bank-deploy-purple { --acc: #6A00AC; }
.bank-deploy-label {
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--acc);
  font-family: var(--sans);
  margin-bottom: 18px;
}
.bank-deploy-card h3 {
  font-family: var(--serif);
  font-size: clamp(28px,2.6vw,38px);
  line-height: 1.08;
  font-weight: 400;
  color: #000000;
  margin-bottom: 14px;
}
.bank-deploy-card p {
  font-family: var(--sans);
  font-size: 15px;
  line-height: 1.65;
  color: var(--muted);
  margin-bottom: 24px;
}
.bank-deploy-features { display: flex; flex-direction: column; gap: 12px; }
.bank-deploy-feature {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-family: var(--sans);
  font-size: 14px;
  line-height: 1.5;
  color: var(--ink);
  padding-top: 12px;
  border-top: 1px solid rgba(0,0,0,0.08);
}
.bank-deploy-feature::before {
  content: '';
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--acc);
  flex-shrink: 0;
  margin-top: 7px;
}
.deploy-card { border-radius: 0; padding: 40px; border: 1px solid var(--border); transition: transform 0.2s ease; }
.deploy-card:hover { transform: translateY(-4px); }
.deploy-card.highlighted { background: var(--blue); border-color: var(--blue); }
.deploy-card.highlighted h3    { color: #FFFFFF; }
.deploy-card.highlighted p     { color: rgba(255,255,255,0.8); }
.deploy-card.highlighted .deploy-label   { color: rgba(255,255,255,0.7); }
.deploy-card.highlighted .deploy-feature { color: rgba(255,255,255,0.85); border-color: rgba(255,255,255,0.15); }
.deploy-label { font-size: 12px; font-weight: 500; letter-spacing: 0.08em; text-transform: uppercase; color: var(--muted); font-family: var(--sans); margin-bottom: 20px; }
.deploy-card h3 { font-family: var(--serif); font-size: 40px; line-height: 40px; color: #000000; margin-bottom: 16px; }
.deploy-card p  { font-size: 16px; line-height: 24px; color: var(--ink); margin-bottom: 24px; }
.deploy-features { display: flex; flex-direction: column; gap: 10px; }
.deploy-feature { display: flex; align-items: center; gap: 10px; font-size: 14px; color: var(--ink); font-family: var(--sans); padding-bottom: 10px; border-bottom: 1px solid var(--border); }
.deploy-feature:last-child { border-bottom: none; }

/* ── BANK CERTIFICATIONS ── */
.bank-certs-section { background: var(--bg-soft); padding: var(--section) 0; }
.bank-certs-panel {
  background: #FFFFFF;
  border: 1px solid var(--border);
  border-radius: 0;
  padding: 32px;
}
.network-pills { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 32px; }
.network-pill  { display: inline-flex; align-items: center; padding: 8px 20px; border: 1px solid var(--border); border-radius: 100px; font-size: 14px; color: var(--ink); font-family: var(--sans); background: #FFFFFF; transition: border-color 0.2s, color 0.2s, background 0.2s; }
.network-pill:hover { border-color: var(--blue); color: var(--blue); background: rgba(0,80,202,0.04); }

/* Compliance logo scroll */
.compliance-track { gap: 48px; padding: 8px 0; }
.compliance-logo-item {
  flex-shrink: 0;
  height: 48px;
  display: flex;
  align-items: center;
  justify-content: center;
  opacity: 0.6;
  transition: opacity 0.2s;
}
.compliance-logo-item:hover { opacity: 1; }
.compliance-logo-item img { height: 100%; width: auto; max-width: 120px; object-fit: contain; display: block; }

/* ── ABOUT STORY ── */
.story-section { background: #FFFFFF; padding: var(--section) 0; }
.story-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: start; }
.story-label { font-size: 13px; font-weight: 500; color: var(--teal); font-family: var(--sans); text-transform: uppercase; letter-spacing: 0.06em; margin-bottom: 16px; display: block; }
.story-heading { font-family: var(--serif); font-weight: 400; font-size: clamp(32px,4vw,48px); line-height: 1.1; color: #000000; margin-bottom: 8px; }
.story-subheading { font-family: var(--serif); font-weight: 400; font-size: clamp(24px,3vw,32px); line-height: 1.15; color: var(--muted); margin-bottom: 32px; }
.story-body { font-family: var(--sans); font-size: 16px; line-height: 1.7; font-weight: 400; color: var(--ink); margin-bottom: 24px; }
.timeline { display: flex; flex-direction: column; gap: 0; margin-top: 40px; }
.timeline-item { display: flex; gap: 16px; align-items: flex-start; padding-bottom: 16px; margin-bottom: 16px; border-bottom: 1px solid var(--border); }
.timeline-item:last-child { border-bottom: none; }
.timeline-year { font-family: var(--serif); font-size: 24px; color: var(--blue); flex-shrink: 0; width: 60px; }
.timeline-text { font-size: 16px; line-height: 24px; color: var(--ink); font-family: var(--sans); flex: 1; }
.team-photo-block { background: #1a1a2e; border-radius: 0; height: 480px; display: flex; flex-direction: column; align-items: center; justify-content: center; color: rgba(255,255,255,0.6); font-size: 16px; font-family: var(--sans); text-align: center; padding: 32px; line-height: 24px; }
.team-photo-icon { margin-bottom: 16px; display: flex; }
.team-photo-icon svg { display: block; }

/* ── PRINCIPLES ── */
.principles-section { background: #F9FAFB; padding: var(--section) 0; }
.principle-card { background: #FFFFFF; border: 1px solid var(--border); border-radius: 0; padding: 32px; transition: transform 0.2s ease, box-shadow 0.2s ease; }
.principle-card:hover { transform: translateY(-4px); box-shadow: 0 12px 40px rgba(0,0,0,0.08); }
.principle-icon { width: 32px; height: 32px; display: flex; align-items: center; justify-content: flex-start; margin-bottom: 24px; }
.principle-icon img, .principle-icon svg { width: 32px; height: 32px; display: block; }
.principle-card h3 { font-family: var(--serif); font-size: 24px; line-height: 1.2; font-weight: 400; color: #000000; margin-bottom: 12px; }
.principle-card p { font-family: var(--sans); font-size: 15px; line-height: 1.65; font-weight: 400; color: var(--muted); }

/* ── CONTACT FORM ── */
.contact-section { background: #FFFFFF; padding: var(--section) 0; }
.contact-grid { display: grid; grid-template-columns: 1fr 1.5fr; gap: 64px; align-items: start; }
.contact-info h3 { font-family: var(--serif); font-size: 32px; line-height: 32px; font-weight: 400; color: #000000; margin-bottom: 32px; }
.contact-detail { display: flex; align-items: flex-start; gap: 16px; margin-bottom: 24px; }
.contact-icon { width: 40px; height: 40px; border-radius: 50%; background: rgba(0,80,202,0.08); display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.contact-detail-label { font-size: 12px; font-weight: 500; color: var(--muted); text-transform: uppercase; letter-spacing: 0.06em; font-family: var(--sans); margin-bottom: 4px; }
.contact-detail-value { font-size: 16px; color: var(--ink); font-family: var(--sans); }
.next-steps { margin-top: 40px; padding-top: 40px; border-top: 1px solid var(--border); }
.next-steps h4 { font-size: 16px; font-weight: 600; color: #000000; font-family: var(--sans); margin-bottom: 20px; }
.next-step-item { display: flex; gap: 16px; margin-bottom: 16px; align-items: flex-start; }
.next-step-num { width: 28px; height: 28px; border-radius: 50%; background: var(--blue); color: #FFFFFF; display: flex; align-items: center; justify-content: center; font-size: 13px; font-weight: 600; font-family: var(--sans); flex-shrink: 0; }
.next-step-text { font-size: 15px; line-height: 22px; color: var(--ink); font-family: var(--sans); padding-top: 4px; }
.social-links { display: flex; gap: 12px; margin-top: 32px; }
.social-btn { display: inline-flex; align-items: center; gap: 8px; padding: 8px 16px; border: 1px solid var(--border); border-radius: 8px; font-size: 14px; color: var(--ink); font-family: var(--sans); transition: all 0.2s ease; }
.social-btn:hover { background: var(--bg-soft); }
.contact-form-wrap { background: var(--bg-soft); border-radius: 0; padding: 48px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; margin-bottom: 16px; }
.form-group { display: flex; flex-direction: column; gap: 8px; margin-bottom: 16px; }
.form-group.last { margin-bottom: 0; }
.form-label { font-size: 14px; font-weight: 500; color: var(--ink); font-family: var(--sans); }
.form-input, .form-select, .form-textarea { background: #FFFFFF; border: 1px solid var(--border); border-radius: 8px; padding: 10px 14px; font-size: 15px; color: var(--ink); font-family: var(--sans); transition: border-color 0.2s ease; width: 100%; outline: none; }
.form-input:focus, .form-select:focus, .form-textarea:focus { border-color: var(--blue); }
.form-textarea { resize: vertical; min-height: 120px; }
.form-select { appearance: none; cursor: pointer; }
.form-submit-row { margin-top: 24px; }
.form-submit-row .btn { width: 100%; justify-content: center; }
.form-privacy { font-size: 12px; color: var(--muted); font-family: var(--sans); text-align: center; margin-top: 12px; line-height: 18px; }

/* ── OFFICES ── */
.offices-section { background: var(--bg-soft); padding: var(--section) 0; }
.office-card { background: #FFFFFF; border: 1px solid var(--border); border-radius: 0; padding: 32px; transition: transform 0.2s ease, box-shadow 0.2s ease; }
.office-card:hover { transform: translateY(-4px); box-shadow: 0 12px 40px rgba(0,0,0,0.08); }
.office-flag { width: 40px; height: 40px; border-radius: 50%; overflow: hidden; margin-bottom: 16px; display: block; }
.office-flag img { width: 40px; height: 40px; border-radius: 50%; display: block; object-fit: cover; }
.office-card-name { font-family: var(--sans); font-size: 11px; font-weight: 600; letter-spacing: 0.04em; text-transform: uppercase; color: var(--muted); margin-bottom: 4px; }
.office-country { font-size: 12px; color: var(--muted); text-transform: uppercase; letter-spacing: 0.06em; font-family: var(--sans); margin-bottom: 4px; }
.office-city { font-family: var(--serif); font-size: 24px; line-height: 33px; color: #000000; margin-bottom: 8px; }
.office-address { font-size: 14px; line-height: 20px; color: var(--muted); font-family: var(--sans); margin-bottom: 16px; }
.office-role-pill { display: inline-flex; padding: 4px 12px; border-radius: 100px; font-size: 12px; font-family: var(--sans); background: rgba(0,80,202,0.08); color: var(--blue); border: 1px solid rgba(0,80,202,0.15); }

/* ── FAQ ── */
.faq-section { background: #000000; padding: var(--section) 0; }
.faq-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 0 48px; margin-top: 48px; }
.faq-item { border-bottom: 1px solid rgba(255,255,255,0.1); }
.faq-question { display: flex; align-items: center; justify-content: space-between; gap: 16px; padding: 24px 0; cursor: pointer; font-size: 18px; font-weight: 400; color: #FFFFFF; font-family: var(--sans); transition: color 0.2s ease; }
.faq-question:hover { color: rgba(255,255,255,0.8); }
.faq-arrow { flex-shrink: 0; width: 24px; height: 24px; border-radius: 50%; border: 1px solid rgba(255,255,255,0.2); display: flex; align-items: center; justify-content: center; font-size: 14px; color: rgba(255,255,255,0.5); transition: transform 0.3s ease; }
.faq-item.open .faq-arrow { transform: rotate(45deg); }
.faq-answer { max-height: 0; overflow: hidden; transition: max-height 0.35s ease, padding 0.35s ease; font-size: 16px; line-height: 24px; color: rgba(255,255,255,0.6); font-family: var(--sans); font-weight: 300; }
.faq-item.open .faq-answer { max-height: 300px; padding-bottom: 20px; }

/* ── Challenge two-column layout for fintechs ── */
.challenge-two-col {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: start;
}
.challenge-col-left .challenge-item,
.challenge-col-right .challenge-item {
  padding: 24px 0;
  border-bottom: 1px solid var(--border);
  display: block;
}
.challenge-col-left .challenge-item h4 {
  font-family: var(--sans);
  font-size: 18px;
  font-weight: 500;
  color: #000000;
  margin-bottom: 8px;
}
.challenge-col-left .challenge-item p {
  font-size: 16px;
  line-height: 24px;
  color: var(--muted);
}
.challenge-metric {
  display: flex;
  align-items: center;
  gap: 20px;
  padding: 20px 0;
  border-bottom: 1px solid var(--border);
}
.challenge-metric-icon {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 20px;
  flex-shrink: 0;
}
.challenge-metric-icon.teal { background: rgba(0,170,130,0.12); }
.challenge-metric-icon.blue { background: rgba(0,80,202,0.10); }
.challenge-metric-icon.purple { background: rgba(106,0,172,0.10); }
.challenge-metric-num {
  font-family: var(--serif);
  font-size: 32px;
  line-height: 1;
  color: #000000;
}
.challenge-metric-label {
  font-size: 14px;
  color: var(--muted);
  margin-top: 4px;
}

/* ── Timeline section (about page) ── */
.timeline-section { padding: var(--section) 0; background: #FFFFFF; }
.timeline-card {
  background: #0F1117;
  border-radius: 0;
  padding: 48px;
  color: #FFFFFF;
  position: relative;
  overflow: hidden;
}
.timeline-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
  margin-top: 40px;
}
.timeline-milestone-year {
  font-family: var(--serif);
  font-size: 32px;
  color: var(--teal);
  margin-bottom: 8px;
}
.timeline-milestone-text {
  font-size: 14px;
  line-height: 20px;
  color: rgba(255,255,255,0.7);
}

/* ── Dark stats section (about page) ── */
.dark-stats-section {
  background: #000000;
  padding: var(--section) 0;
}
.dark-stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: 0;
  overflow: hidden;
  margin-top: 48px;
}
.dark-stat-cell {
  padding: 40px 32px;
  border-right: 1px solid rgba(255,255,255,0.12);
  border-bottom: 1px solid rgba(255,255,255,0.12);
}
.dark-stat-cell:nth-child(4n) { border-right: none; }
.dark-stat-cell:nth-child(n+5) { border-bottom: none; }
.dark-stat-num {
  font-family: var(--serif);
  font-size: clamp(40px, 5vw, 72px);
  line-height: 1;
  color: #FFFFFF;
  display: block;
  margin-bottom: 8px;
}
.dark-stat-label { font-size: 16px; line-height: 22px; color: rgba(255,255,255,0.55); }

/* ── Office cards (contact page) ── */
.offices-section {
  padding: var(--section) 0;
  background: linear-gradient(135deg, rgba(91,255,240,0.08) 0%, rgba(121,174,255,0.08) 42%, rgba(217,158,255,0.08) 87%);
}
.offices-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-top: 48px;
}
.office-card-city {
  font-family: var(--serif);
  font-size: 28px;
  font-weight: 400;
  color: #000000;
  margin: 8px 0;
}
.office-card-address {
  font-size: 15px;
  line-height: 22px;
  color: var(--muted);
  margin-bottom: 16px;
}
.office-card-tag {
  display: inline-block;
  font-size: 13px;
  font-weight: 500;
  color: var(--teal);
  background: rgba(0,170,130,0.08);
  border: 1px solid rgba(0,170,130,0.2);
  border-radius: 100px;
  padding: 4px 12px;
}

/* ── Contact — premium split panel ── */
.contact-layout {
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  gap: 0;
  align-items: stretch;
  padding: 0 0;
}

/* LEFT — rich blue info panel */
.contact-info {
  background: linear-gradient(165deg, #0050CA 0%, #062a73 100%);
  color: #fff;
  padding: 56px 48px;
  display: flex;
  flex-direction: column;
}
.contact-info h3 {
  font-family: var(--serif);
  font-size: 32px;
  font-weight: 400;
  color: #fff;
  margin-bottom: 32px;
}
/* Contact detail row with icon */
.contact-info-row {
  display: flex;
  gap: 16px;
  align-items: flex-start;
  padding: 18px 0;
  border-bottom: 1px solid rgba(255,255,255,0.12);
}
.contact-info-row:first-of-type { padding-top: 0; }
.contact-info-icon {
  width: 40px; height: 40px; flex-shrink: 0;
  display: flex; align-items: center; justify-content: center;
  background: rgba(255,255,255,0.12);
  border: 1px solid rgba(255,255,255,0.18);
}
.contact-info-icon svg { width: 18px; height: 18px; stroke: #fff; }
.contact-info-text { display: flex; flex-direction: column; gap: 2px; }
.contact-info-label {
  font-family: var(--sans);
  font-size: 11px; font-weight: 600; letter-spacing: 0.06em;
  text-transform: uppercase; color: rgba(255,255,255,0.6);
}
.contact-info-value { font-family: var(--sans); font-size: 15px; color: #fff; }
.contact-info-value a { color: #fff; }
.contact-info-value a:hover { text-decoration: underline; }

/* What happens next — on blue panel */
.what-happens-title {
  font-family: var(--sans);
  font-size: 13px; font-weight: 600; letter-spacing: 0.06em;
  text-transform: uppercase; color: rgba(255,255,255,0.6);
  margin: 40px 0 20px;
}
.process-step-item { display: flex; gap: 16px; margin-bottom: 20px; }
.process-step-num {
  width: 28px; height: 28px; border-radius: 50%;
  background: rgba(255,255,255,0.15); border: 1px solid rgba(255,255,255,0.3);
  color: #fff; font-size: 13px; font-weight: 600;
  display: flex; align-items: center; justify-content: center; flex-shrink: 0;
}
.process-step-body h4 { font-family: var(--sans); font-size: 15px; font-weight: 600; color: #fff; margin-bottom: 4px; }
.process-step-body p { font-family: var(--sans); font-size: 14px; color: rgba(255,255,255,0.7); line-height: 1.55; }

/* Social on blue panel */
.social-links { display: flex; gap: 12px; margin-top: auto; padding-top: 32px; }
.contact-info .social-btn {
  display: inline-flex; align-items: center; gap: 8px; padding: 9px 16px;
  border: 1px solid rgba(255,255,255,0.3); border-radius: 0;
  font-size: 14px; color: #fff; font-family: var(--sans);
  background: transparent; transition: background 0.2s, border-color 0.2s;
}
.contact-info .social-btn:hover { background: rgba(255,255,255,0.12); border-color: #fff; }

/* RIGHT — white form card */
.contact-form-card {
  background: #fff;
  border: 1px solid var(--border);
  border-left: none;
  border-radius: 0;
  padding: 56px 48px;
}
.contact-form-card h3 {
  font-family: var(--serif);
  font-size: 32px; font-weight: 400; color: #000;
  margin-bottom: 32px;
}
.contact-form-card .form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.contact-form-card .form-group { margin-bottom: 20px; }
.contact-form-card .form-group label {
  display: block; font-family: var(--sans);
  font-size: 13px; font-weight: 500; color: var(--ink); margin-bottom: 8px;
}
.contact-form-card .form-group input,
.contact-form-card .form-group select,
.contact-form-card .form-group textarea {
  width: 100%; padding: 13px 16px;
  border: 1px solid var(--border); border-radius: 0;
  font-size: 15px; font-family: var(--sans); color: var(--ink);
  background: #fff; transition: border-color 0.2s, box-shadow 0.2s;
  -webkit-appearance: none; -moz-appearance: none; appearance: none; outline: none;
}
/* Select — CaretDown icon from Figma library replaces native chevron */
.contact-form-card .form-group select {
  background-image: url('../assets/img/CaretDown.svg');
  background-repeat: no-repeat;
  background-position: right 14px center;
  background-size: 18px 18px;
  padding-right: 44px;
  cursor: pointer;
}
.contact-form-card .form-group input::placeholder,
.contact-form-card .form-group textarea::placeholder { color: #9aa0a6; }
.contact-form-card .form-group input:focus,
.contact-form-card .form-group select:focus,
.contact-form-card .form-group textarea:focus {
  border-color: var(--blue);
  box-shadow: 0 0 0 3px rgba(0,80,202,0.1);
}
.contact-form-card .form-group textarea { height: 120px; resize: vertical; }
.form-privacy { font-family: var(--sans); font-size: 13px; color: var(--muted); text-align: center; margin-top: 14px; }

/* ── Dark FAQ section (2-column, contact page) ── */
.faq-dark-section {
  background: #000000;
  padding: var(--section) 0;
}
.faq-two-col {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0 40px;
}
.faq-item-dark {
  border-bottom: 1px solid rgba(255,255,255,0.12);
  padding: 24px 0;
}
.faq-q-dark {
  display: flex;
  justify-content: space-between;
  align-items: center;
  cursor: pointer;
  font-size: 18px;
  font-weight: 400;
  color: #FFFFFF;
  font-family: var(--sans);
  gap: 16px;
}
.faq-q-dark::after {
  content: '';
  width: 18px; height: 18px;
  flex-shrink: 0;
  background-color: rgba(255,255,255,0.55);
  -webkit-mask: url('../assets/img/CaretDown.svg') center / contain no-repeat;
  mask: url('../assets/img/CaretDown.svg') center / contain no-repeat;
  transition: transform 0.3s, background-color 0.2s;
}
.faq-q-dark:hover::after { background-color: #fff; }
.faq-item-dark.open .faq-q-dark::after { transform: rotate(180deg); }
.faq-a-dark {
  font-size: 15px;
  line-height: 22px;
  color: rgba(255,255,255,0.65);
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.4s ease, padding 0.3s;
  padding-top: 0;
}
.faq-item-dark.open .faq-a-dark {
  max-height: 300px;
  padding-top: 12px;
}

/* ── REVEAL ANIMATIONS ── */
.reveal { opacity: 0; transform: translateY(20px); transition: opacity 0.6s ease, transform 0.6s ease; }
.reveal.visible { opacity: 1; transform: translateY(0); }
.reveal-stagger > * { opacity: 0; transform: translateY(20px); transition: opacity 0.6s ease, transform 0.6s ease; }
.reveal-stagger.visible > *:nth-child(1) { opacity:1; transform:translateY(0); transition-delay:0s; }
.reveal-stagger.visible > *:nth-child(2) { opacity:1; transform:translateY(0); transition-delay:0.1s; }
.reveal-stagger.visible > *:nth-child(3) { opacity:1; transform:translateY(0); transition-delay:0.2s; }
.reveal-stagger.visible > *:nth-child(4) { opacity:1; transform:translateY(0); transition-delay:0.3s; }
.reveal-stagger.visible > *:nth-child(5) { opacity:1; transform:translateY(0); transition-delay:0.4s; }
.reveal-stagger.visible > *:nth-child(6) { opacity:1; transform:translateY(0); transition-delay:0.5s; }

/* ── RESPONSIVE ── */
@media (max-width: 1100px) {
  :root { --px: 40px; --section: 80px; }
  .cards-4 { grid-template-columns: repeat(2,1fr); }
  .stats-grid { grid-template-columns: repeat(2,1fr); }
  .stat-cell:nth-child(2n)   { border-right: none; }
  .stat-cell:nth-child(n+3)  { border-bottom: none; }
  .stats-header              { grid-template-columns: 1fr; }
  .stats-header-sub          { text-align: left; }
  .footer-top                { flex-direction: column; gap: 40px; }
  .footer-cols               { justify-content: flex-start; gap: 40px; }
  .built-stats-row           { grid-template-columns: repeat(2,1fr); }
  .built-stat:nth-child(2n)  { border-right: none; }
  .built-stat:nth-child(n+3) { border-top: 1px solid var(--border); }
  .tab-content-grid          { grid-template-columns: 1fr; gap: 32px; }
  .challenge-vs              { gap: 24px; }
  .contact-grid              { grid-template-columns: 1fr; }
  .story-grid                { grid-template-columns: 1fr; }
  .team-photo-block          { height: 300px; }
  .challenge-two-col         { grid-template-columns: 1fr; gap: 48px; }
  .timeline-grid             { grid-template-columns: repeat(2, 1fr); }
  .offices-grid              { grid-template-columns: repeat(2, 1fr); }
  .contact-layout            { grid-template-columns: 1fr; gap: 48px; padding: 48px 0; }
  .faq-two-col               { grid-template-columns: 1fr; }
  .tspec-grid                { grid-template-columns: repeat(2, 1fr); }
  .bank-challenge-grid,
  .bank-value-grid,
  .bank-deployment-grid      { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 768px) {
  :root { --px: 20px; --section: 60px; --nav-h: 64px; }
  .timeline-grid             { grid-template-columns: 1fr; }
  .offices-grid              { grid-template-columns: 1fr; }
  .dark-stats-grid           { grid-template-columns: repeat(2, 1fr); }
  .dark-stat-cell:nth-child(2n)  { border-right: none; }
  .dark-stat-cell:nth-child(n+7) { border-bottom: none; }
  .contact-form-card .form-row   { grid-template-columns: 1fr; }
  .tspec-grid                { grid-template-columns: 1fr; }
  .nav-links, .nav-actions { display: none; }
  .nav-hamburger             { display: flex; }
  .nav-inner                 { gap: 16px; }
  .hero                      { padding: 48px 0 0; }
  .hero h1                   { font-size: clamp(32px,9vw,56px); line-height: 1.1; }
  .hero-sub                  { font-size: 16px; line-height: 24px; }
  .hero-buttons              { flex-direction: column; align-items: stretch; }
  .hero-buttons .btn         { width: 100%; justify-content: center; }
  .cta-buttons               { flex-direction: column; align-items: stretch; }
  .cta-buttons .btn          { width: 100%; justify-content: center; }
  .hero-product              { height: 240px; }
  .cards-4, .cards-3, .cards-6 { grid-template-columns: 1fr; }
  .cards-2                   { grid-template-columns: 1fr; }
  .solution-card             { padding: 32px 24px; }
  .stats-grid                { grid-template-columns: repeat(2,1fr); }
  .built-stats-row           { grid-template-columns: 1fr; }
  .built-stat                { border-right: none; border-bottom: 1px solid var(--border); }
  .built-stat:last-child     { border-bottom: none; }
  .lifecycle-flow            { flex-direction: column; align-items: flex-start; gap: 24px; }
  .lifecycle-step            { flex-direction: row; text-align: left; width: 100%; }
  .lifecycle-step-connector  { display: none; }
  .lifecycle-circle          { flex-shrink: 0; margin-bottom: 0; margin-right: 16px; }
  .lifecycle-desc            { max-width: none; }
  .challenge-vs              { grid-template-columns: 1fr; }
  .bank-challenge-grid,
  .bank-value-grid,
  .bank-deployment-grid      { grid-template-columns: 1fr; }
  .bank-challenge-visual     { min-height: 150px; padding: 28px 24px 18px; }
  .bank-value-card           { min-height: auto; }
  .bank-implementation-visual { margin-top: 40px; padding: 18px; }
  .faq-grid                  { grid-template-columns: 1fr; }
  .form-row                  { grid-template-columns: 1fr; }
  .contact-form-wrap         { padding: 24px; }
  .footer-top                { gap: 32px; }
  .footer-cols               { flex-wrap: wrap; gap: 28px; }
  .footer-col                { min-width: calc(50% - 14px); }
  .testimonial-card          { flex: 0 0 calc(100% - 24px); }
  .browser-body              { height: 280px; }
  .dashboard-sidebar         { width: 150px; }
  .dash-metrics              { grid-template-columns: repeat(2,1fr); }
  .tabs-nav                  { flex-direction: column; border-bottom: none; }
  .tab-btn                   { border-left: 2px solid transparent; border-bottom: none; }
  .tab-btn.active            { border-left-color: #FFFFFF; }
  .footer-bottom             { flex-direction: column; text-align: center; }
  .section-h2                { font-size: clamp(24px,7vw,48px); }
  .hero-inner-page h1        { font-size: clamp(28px,7vw,48px); }
  .faq-question              { font-size: 16px; }
}

@media (max-width: 480px) {
  :root { --px: 16px; }
  .hero h1        { font-size: 32px; line-height: 38px; }
  .hero-sub       { font-size: 15px; line-height: 23px; }
  .badge          { font-size: 13px; padding: 5px 12px; }
  .stat-number    { font-size: clamp(32px,12vw,64px); }
  .dash-metrics   { grid-template-columns: 1fr; }
  .stats-grid     { grid-template-columns: 1fr; }
  .stat-cell      { border-right: none; border-bottom: 1px solid var(--border); }
  .feature-card h3{ font-size: 28px; line-height: 32px; }
  .countries-row  { gap: 16px; }
  .testimonials-nav { display: none; }
  .hero-product   { height: 200px; }
}

/* ═══════════════════════════════════════════
   UTILITY CLASSES — extracted from inline styles
   ═══════════════════════════════════════════ */

/* Dark section wrapper (fintechs / about dark stats) */
.section-dark { background: #000000; padding: var(--section) 0; }
.section-dark .stats-grid       { border-color: rgba(255,255,255,0.1); }
.section-dark .stat-cell        { border-color: rgba(255,255,255,0.1); }
.section-dark .stats-glow-bg    { opacity: 0.05; }
.section-dark .stat-number      { color: #FFFFFF; }
.section-dark .stat-label       { color: rgba(255,255,255,0.65); }

/* Footer logo */
.footer-logo-img { width: 100%; max-width: 300px; height: auto; display: block; }

/* Inline stat divider (For Banks hero stats row) */
.stat-divider { width: 1px; height: 40px; background: var(--border); flex-shrink: 0; }

/* pf-pill-ic color variants (Platform page module pills) */
.pf-pill-ic.ic-teal   { background: var(--teal); }
.pf-pill-ic.ic-blue   { background: var(--blue); }
.pf-pill-ic.ic-orange { background: #E8833A; }
.pf-pill-ic.ic-purple { background: var(--purple); }

/* tspec-card accent color variants (blue is already the default --acc) */
.tspec-card.acc-teal   { --acc: var(--teal); }
.tspec-card.acc-purple { --acc: var(--purple); }

/* feature-card-dark icon spacing */
.feature-card-dark .feature-icon { margin-bottom: 20px; }

/* Chart bar colour variant */
.chart-bar.bar-teal { background: var(--teal); }

/* Lifecycle circle colour variants */
.lifecycle-circle.lc-teal-outline { background: #000; color: var(--teal); border-color: var(--teal); }
.lifecycle-circle.lc-teal-fill    { background: var(--teal); color: #fff;  border-color: var(--teal); }

/* Hero: no bottom padding (Contact page) */
.hero-inner-page.pb-0 { padding-bottom: 0; }

/* Contact: second "what happens next" block top margin */
.what-happens-title.mt { margin-top: 32px; }

/* Contact: full-width submit button */
.contact-form-card form > .btn { width: 100%; justify-content: center; }

/* About: team photo secondary caption line */
.team-photo-caption { font-size: 13px; margin-top: 8px; opacity: 0.5; }

/* ═══════════════════════════════════════════
   ABOUT PAGE — POLISHED COMPONENTS
   ═══════════════════════════════════════════ */

/* Story left: badge → 24px → heading */
.story-left .badge { display: inline-flex; margin-bottom: 24px; }
.story-heading { margin-bottom: 12px; }

/* Three Phases — right column */
.story-phases { display: flex; flex-direction: column; border: 1px solid var(--border); }
.story-phase { padding: 28px 32px; border-bottom: 1px solid var(--border); transition: background 0.18s ease; }
.story-phase:last-child { border-bottom: none; }
.story-phase:hover { background: var(--bg-soft); }
.story-phase-num { font-family: var(--sans); font-size: 11px; font-weight: 600; color: var(--teal); letter-spacing: 0.1em; text-transform: uppercase; margin-bottom: 8px; display: block; }
.story-phase-title { font-family: var(--serif); font-size: 22px; color: #000; line-height: 1.2; margin-bottom: 6px; font-weight: 400; }
.story-phase-period { font-family: var(--sans); font-size: 13px; color: var(--muted); font-weight: 400; margin-bottom: 12px; display: block; }
.story-phase-desc { font-family: var(--sans); font-size: 14px; color: var(--muted); line-height: 1.65; }

/* Timeline V2 — horizontal polished */
.timeline-section-v2 { padding: var(--section) 0; background: var(--bg-soft); }
.timeline-v2 { display: grid; grid-template-columns: repeat(6, 1fr); position: relative; margin-top: 56px; }
.timeline-v2::before { content: ''; position: absolute; top: 5px; left: calc(100% / 12); right: calc(100% / 12); height: 2px; background: linear-gradient(to right, var(--teal) 0%, var(--blue) 50%, var(--purple) 100%); z-index: 0; opacity: 0.3; }
.timeline-node { display: flex; flex-direction: column; align-items: center; text-align: center; padding: 0 8px; }
.timeline-dot { width: 12px; height: 12px; border-radius: 50%; background: var(--blue); border: 3px solid var(--bg-soft); box-shadow: 0 0 0 2px var(--blue); flex-shrink: 0; z-index: 1; margin-bottom: 20px; }
.timeline-node:nth-child(1) .timeline-dot, .timeline-node:nth-child(2) .timeline-dot { background: var(--teal); box-shadow: 0 0 0 2px var(--teal); }
.timeline-node:nth-child(5) .timeline-dot, .timeline-node:nth-child(6) .timeline-dot { background: var(--purple); box-shadow: 0 0 0 2px var(--purple); }
.timeline-yr { font-family: var(--serif); font-size: 21px; color: #000; margin-bottom: 10px; line-height: 1; }
.timeline-ev { font-family: var(--sans); font-size: 13px; color: var(--muted); line-height: 1.55; }

/* Principle icon tile */
.principle-icon-tile { width: 48px; height: 48px; border-radius: 12px; display: flex; align-items: center; justify-content: center; margin-bottom: 24px; flex-shrink: 0; }
.principle-icon-tile svg { width: 24px; height: 24px; display: block; }
.tile-blue   { background: var(--blue); }
.tile-teal   { background: var(--teal); }
.tile-purple { background: var(--purple); }

/* Stats grid wrapper — glow-bg is a sibling, not a grid child, so nth-child stays correct */
.stats-grid-wrap { position: relative; overflow: hidden; }
.stats-grid-wrap > .stats-glow-bg { position: absolute; inset: 0; z-index: 0; pointer-events: none; background: var(--stats-glow); filter: blur(60px); opacity: 0.06; }

@media (max-width: 768px) {
  .timeline-v2 { grid-template-columns: repeat(3, 1fr); row-gap: 32px; }
  .timeline-v2::before { display: none; }
  .story-phase { padding: 24px 20px; }
}
@media (max-width: 480px) {
  .timeline-v2 { grid-template-columns: repeat(2, 1fr); }
}

/* ── Hidden sections (restore by removing the class) ── */
.hidden-for-now { display: none !important; }

/* ── Stats glow — reduced so white text stays legible ── */
.stats-grid-wrap > .stats-glow-bg { opacity: 0.025 !important; }

/* ── Mission & Vision ── */
.mv-section {
  background: linear-gradient(140deg, #110533 0%, #0d0727 45%, #0a1535 100%);
  padding: var(--section) 0; position: relative; overflow: hidden;
}
.mv-section::before {
  content: ''; position: absolute; inset: 0; pointer-events: none;
  background: radial-gradient(ellipse at 20% 60%, rgba(106,0,172,0.25) 0%, transparent 55%),
              radial-gradient(ellipse at 80% 40%, rgba(0,80,202,0.2)  0%, transparent 55%);
}
.mv-grid { display: grid; grid-template-columns: 1fr 1px 1fr; gap: 72px; position: relative; z-index: 1; }
.mv-divider { background: rgba(255,255,255,0.1); align-self: stretch; }
.mv-heading {
  font-family: var(--serif); font-size: clamp(36px,4vw,52px);
  font-weight: 400; line-height: 1.05; margin-bottom: 28px;
  color: #FFFFFF;
}
.mv-body { font-family: var(--sans); font-size: 17px; line-height: 1.75; color: rgba(255,255,255,0.75); font-weight: 300; }
.mv-body + .mv-body { margin-top: 20px; }

/* ── Journey / Timeline (dark two-column with video) ── */
/* ── Journey Section — sticky-scroll two-column layout ── */
.journey-section { background: #080808; overflow-x: clip; }
.journey-wrap { max-width: 1280px; margin: 0 auto; padding: 0 0 0 clamp(24px,4vw,48px); }
.journey-grid { display: grid; grid-template-columns: 5fr 7fr; gap: 64px; align-items: start; }

/* Left column: scrolls naturally with the page, sits above the bleeding video */
.journey-left { padding: 120px 0 160px; position: relative; z-index: 2; }
.journey-left .section-h2 { color: #fff; max-width: 520px; margin-top: 24px; margin-bottom: 0; }
.journey-left .badge { margin-bottom: 0; }

/* Solid white pill — "OUR JOURNEY" label */
.badge-pill-white { background: #FFFFFF; color: #111111; border-color: transparent; }
.badge-pill-white .badge-dot { background: #111111; }

/* Timeline */
.journey-timeline { display: flex; flex-direction: column; margin-top: 48px; }
.journey-item { display: flex; gap: 18px; padding-bottom: 28px; position: relative; }
.journey-item:not(:last-child)::after {
  content: ''; position: absolute; left: 5px; top: 17px; bottom: 0;
  width: 1px; background: rgba(255,255,255,0.08);
}
.journey-dot { width: 11px; height: 11px; border-radius: 50%; flex-shrink: 0; margin-top: 4px; z-index: 1; }
.journey-dot.teal   { background: var(--teal);   box-shadow: 0 0 6px var(--teal); }
.journey-dot.blue   { background: var(--blue);   box-shadow: 0 0 6px var(--blue); }
.journey-dot.purple { background: var(--purple); box-shadow: 0 0 6px var(--purple); }
.journey-year  { font-family: var(--sans); font-size: 11px; font-weight: 600; color: var(--teal); letter-spacing: 0.08em; text-transform: uppercase; margin-bottom: 3px; }
.journey-title { font-family: var(--sans); font-size: 14px; font-weight: 500; color: #fff; margin-bottom: 4px; line-height: 1.3; }
.journey-desc  { font-family: var(--sans); font-size: 13px; color: rgba(255,255,255,0.5); line-height: 1.55; }
.journey-countries { display: flex; flex-wrap: wrap; gap: 8px; margin-top: 32px; padding-top: 24px; border-top: 1px solid rgba(255,255,255,0.08); }
.journey-country-tag {
  display: flex; align-items: center; gap: 6px;
  font-family: var(--sans); font-size: 12px; color: rgba(255,255,255,0.55);
  background: rgba(255,255,255,0.05); border: 1px solid rgba(255,255,255,0.1);
  padding: 5px 12px; border-radius: 20px;
}

/* Right column: video sticks to viewport while left column scrolls */
.journey-right {
  position: sticky; top: 0; height: 100vh;
  display: flex; align-items: center; padding: 24px 0;
}
.journey-video-wrap {
  position: relative; width: 130%; margin-left: -30%; aspect-ratio: 16/9;
  border-radius: 12px 0 0 12px; overflow: hidden;
}
.journey-video-wrap video { width: 100%; height: 100%; object-fit: cover; display: block; }
/* Left-to-right black fade overlay — hides the 30% bleed into the timeline */
.journey-video-overlay {
  position: absolute; inset: 0; pointer-events: none;
  background: linear-gradient(to right,
    rgba(0,0,0,1)    0%,
    rgba(0,0,0,0.95) 20%,
    rgba(0,0,0,0.4)  30%,
    rgba(0,0,0,0)    42%
  );
}

/* ── Leadership Team ── */
.leadership-section { background: var(--bg-soft); padding: var(--section) 0; }
.leadership-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; margin-top: 56px; }
.leader-card { background: #fff; border: 1px solid var(--border); display: flex; flex-direction: column; transition: transform 0.2s ease, box-shadow 0.2s ease; }
.leader-card:hover { transform: translateY(-4px); box-shadow: 0 12px 40px rgba(0,0,0,0.08); }
.leader-photo { aspect-ratio: 1/1; background: #E8EAF0; display: flex; align-items: center; justify-content: center; overflow: hidden; }
.leader-photo img { width: 100%; height: 100%; object-fit: cover; display: block; }
.leader-photo-ph { display: flex; align-items: center; justify-content: center; width: 100%; height: 100%; background: linear-gradient(135deg, #DEE1EC 0%, #C8CEDF 100%); }
.leader-photo-ph svg { opacity: 0.3; }
.leader-info { padding: 20px 20px 24px; flex: 1; }
.leader-type-tag { display: inline-block; font-family: var(--sans); font-size: 10px; font-weight: 600; text-transform: uppercase; letter-spacing: 0.08em; padding: 3px 8px; border-radius: 20px; margin-bottom: 10px; }
.leader-type-tag.founder  { background: rgba(0,80,202,0.08);  color: var(--blue);   }
.leader-type-tag.investor { background: rgba(106,0,172,0.08); color: var(--purple); }
.leader-name  { font-family: var(--serif); font-size: 20px; font-weight: 400; color: #000; margin-bottom: 4px; line-height: 1.2; }
.leader-title { font-family: var(--sans); font-size: 13px; color: var(--muted); display: block; margin-bottom: 2px; }
.leader-org   { font-family: var(--sans); font-size: 12px; color: var(--teal); font-weight: 500; display: block; margin-bottom: 10px; }
.leader-bio   { font-family: var(--sans); font-size: 13px; color: var(--muted); line-height: 1.55; }

/* ── Policy pages ── */
.policy-section { padding: var(--section) 0; background: #fff; }
.policy-content { max-width: 800px; }
.policy-content h2 { font-family: var(--serif); font-size: clamp(24px,3vw,36px); font-weight: 400; color: #000; margin: 48px 0 16px; }
.policy-content h2:first-child { margin-top: 0; }
.policy-content h3 { font-family: var(--sans); font-size: 18px; font-weight: 500; color: var(--ink); margin: 32px 0 12px; }
.policy-content p { font-family: var(--sans); font-size: 16px; line-height: 1.75; color: var(--muted); margin-bottom: 16px; }
.policy-content ul { list-style: disc; padding-left: 24px; margin-bottom: 16px; }
.policy-content ul li { font-family: var(--sans); font-size: 16px; line-height: 1.7; color: var(--muted); margin-bottom: 8px; }
.policy-content strong { color: var(--ink); font-weight: 500; }
.policy-meta { font-family: var(--sans); font-size: 13px; color: var(--muted); margin-bottom: 48px; padding-bottom: 24px; border-bottom: 1px solid var(--border); }

@media (max-width: 1100px) {
  .mv-grid         { grid-template-columns: 1fr; gap: 48px; }
  .mv-divider      { display: none; }
  .journey-grid    { grid-template-columns: 1fr; gap: 40px; }
  .journey-left    { padding: 80px 0 60px; }
  .journey-right   { position: static; height: auto; padding: 0 0 80px; }
  .leadership-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 640px) {
  .leadership-grid { grid-template-columns: 1fr; }
}

/* ═══════════════════════════════════════════
   FOR FINTECHS PAGE
   ═══════════════════════════════════════════ */

/* Challenge: two-column layout */
.ft-challenge-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 80px; align-items: start; }

/* Challenge items (left col) */
.ft-challenge-items { display: flex; flex-direction: column; margin-top: 40px; }
.ft-challenge-item  { display: flex; gap: 20px; padding: 28px 0; border-bottom: 1px solid var(--border); }
.ft-challenge-item:first-child { padding-top: 0; }
.ft-challenge-item:last-child  { border-bottom: none; padding-bottom: 0; }
.ft-ch-tile { width: 36px; height: 36px; border-radius: 9px; flex-shrink: 0; margin-top: 2px;
              display: flex; align-items: center; justify-content: center; }
.ft-ch-tile svg { width: 18px; height: 18px; }
.ft-challenge-item h4 { font-family: var(--sans); font-size: 16px; font-weight: 500; color: var(--ink); margin-bottom: 8px; line-height: 1.3; }
.ft-challenge-item p  { font-family: var(--sans); font-size: 14px; line-height: 1.7; color: var(--muted); }

/* Complexity removed (right col) */
.ft-remove-h2  { font-family: var(--serif); font-size: clamp(26px,2.8vw,38px); font-weight: 400; color: #000; margin-bottom: 12px; line-height: 1.15; }
.ft-remove-sub { font-family: var(--sans); font-size: 15px; line-height: 1.7; color: var(--muted); margin-bottom: 36px; }
.ft-metrics    { display: flex; flex-direction: column; }
.ft-metric     { display: flex; align-items: center; gap: 20px; padding: 18px 20px;
                 border: 1px solid var(--border); border-bottom: none; transition: background 0.15s; }
.ft-metric:last-child { border-bottom: 1px solid var(--border); }
.ft-metric:hover      { background: var(--bg-soft); }
.ft-metric-ic  { width: 44px; height: 44px; border-radius: 10px; display: flex; align-items: center;
                 justify-content: center; flex-shrink: 0; }
.ft-metric-ic svg  { width: 22px; height: 22px; }
.ft-metric-num     { font-family: var(--serif); font-size: 26px; font-weight: 400; color: #000; line-height: 1.1; }
.ft-metric-label   { font-family: var(--sans); font-size: 12px; color: var(--muted); font-weight: 400; margin-top: 2px; }

/* What You Get — dark card grid */
.ft-what-section { background: #080808; padding: var(--section) 0; }
.ft-what-grid    { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1px;
                   background: rgba(255,255,255,0.07); margin-top: 56px; }
.ft-what-card    { background: #0A0A0A; padding: 40px 32px; display: flex; flex-direction: column;
                   transition: background 0.18s; }
.ft-what-card:hover { background: #121212; }
.ft-what-ic   { width: 48px; height: 48px; border-radius: 12px; display: flex; align-items: center;
                justify-content: center; margin-bottom: 28px; flex-shrink: 0; }
.ft-what-ic img { width: 24px; height: 24px; filter: brightness(0) invert(1); display: block; }
.ft-what-ic svg { width: 24px; height: 24px; }
.ft-what-title  { font-family: var(--sans); font-size: 17px; font-weight: 500; color: #fff; margin-bottom: 12px; line-height: 1.3; }
.ft-what-desc   { font-family: var(--sans); font-size: 14px; line-height: 1.7; color: rgba(255,255,255,0.5); }

/* Implementation SVG */
.ft-impl-wrap     { margin-top: 56px; width: 100%; }
.ft-impl-wrap img { width: 100%; height: auto; display: block; }

/* Step cards — reuses HP Platform card pattern */
.ft-steps-section { background: #F8F8FC; padding: var(--section) 0; }

/* ── HP Platform cards — shared (homepage + fintechs steps) ── */
.hp-platform-cards { display: grid; grid-template-columns: repeat(4,1fr); gap: 20px; }
.hp-platform-card  { background: #fff; border: 1px solid rgba(0,0,0,0.07); overflow: hidden;
                     transition: transform 0.3s ease; display: flex; flex-direction: column; padding: 12px; }
/* Specificity 0-4-0 — beats reveal-stagger.visible > *:nth-child(n) at 0-2-1 */
.hp-platform-cards.visible > .hp-platform-card:hover { transform: translateY(-16px); }
.hp-platform-illus { overflow: hidden; height: 190px; flex-shrink: 0; }
.hp-platform-illus img { width: 100%; height: auto; display: block; object-fit: cover; object-position: top center; }
.hp-platform-body  { padding: 16px 4px 12px; flex: 1; }
.hp-platform-title { font-family: var(--serif); font-size: 22px; font-weight: 400; color: #000; margin-bottom: 10px; line-height: 1.2; }
.hp-platform-desc  { font-family: var(--sans); font-size: 14px; line-height: 1.65; color: var(--muted); font-weight: 400; }

@media (max-width: 1100px) {
  .ft-challenge-grid { grid-template-columns: 1fr; gap: 48px; }
  .ft-what-grid      { grid-template-columns: repeat(2, 1fr); }
  .hp-platform-cards { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 640px) {
  .ft-what-grid      { grid-template-columns: 1fr; }
  .hp-platform-cards { grid-template-columns: 1fr; }
  .hp-platform-illus { height: auto; }
  .hp-platform-illus img { object-fit: contain; width: 100%; height: auto; }
}