/* ── Reset & Base ─────────────────────────────────────────── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --navy:   #0d1f3c;
  --blue:   #1a56db;
  --blue-light: #2563eb;
  --accent: #3b82f6;
  --green:  #10b981;
  --light:  #f1f5f9;
  --muted:  #64748b;
  --text:   #1e293b;
  --white:  #ffffff;
  --radius: 10px;
  --shadow: 0 4px 24px rgba(13,31,60,.10);
}

html { scroll-behavior: smooth; }

body {
  font-family: 'Inter', 'Segoe UI', Arial, sans-serif;
  color: var(--text);
  background: var(--white);
  line-height: 1.65;
}

a { text-decoration: none; color: inherit; }
img { display: block; max-width: 100%; }
ul { list-style: none; }

/* ── Typography ───────────────────────────────────────────── */
h1 { font-size: clamp(2rem, 4vw, 3rem); font-weight: 800; line-height: 1.15; }
h2 { font-size: clamp(1.5rem, 3vw, 2.25rem); font-weight: 700; }
h3 { font-size: 1.2rem; font-weight: 700; }
p  { color: var(--muted); }

.section-label {
  display: inline-block;
  font-size: .9rem;
  font-weight: 700;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--blue);
  margin-bottom: .75rem;
}

/* ── Layout ───────────────────────────────────────────────── */
.container { max-width: 1160px; margin: 0 auto; padding: 0 1.5rem; }
section { padding: 5rem 0; }

/* ── Buttons ──────────────────────────────────────────────── */
.btn {
  display: inline-flex;
  align-items: center;
  gap: .45rem;
  padding: .7rem 1.5rem;
  border-radius: 6px;
  font-weight: 600;
  font-size: .95rem;
  cursor: pointer;
  transition: all .2s;
  border: 2px solid transparent;
}
.btn-primary {
  background: var(--blue);
  color: var(--white);
}
.btn-primary:hover { background: #1347c8; }

.btn-outline {
  border-color: var(--white);
  color: var(--white);
  background: transparent;
}
.btn-outline:hover { background: var(--white); color: var(--blue); }

.btn-navy {
  background: var(--navy);
  color: var(--white);
}
.btn-navy:hover { background: #162f5c; }

/* ── Navbar ───────────────────────────────────────────────── */
.navbar {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(13,31,60,0.96);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  border-bottom: 1px solid rgba(255,255,255,0.07);
  transition: box-shadow 300ms ease;
}
.navbar.scrolled {
  box-shadow: 0 4px 24px rgba(0,0,0,0.35);
}

.navbar .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 68px;
}

.nav-logo {
  display: flex;
  align-items: center;
}
.nav-logo img {
  height: 44px;
  width: auto;
  display: block;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: .25rem;
  list-style: none;
  margin: 0;
  padding: 0;
}
.nav-links > li > a {
  display: flex;
  align-items: center;
  gap: .35rem;
  color: rgba(255,255,255,.78);
  font-size: .9rem;
  font-weight: 500;
  padding: .45rem .85rem;
  border-radius: 8px;
  transition: color 200ms ease, background 200ms ease;
  white-space: nowrap;
}
.nav-links > li > a:hover {
  color: #fff;
  background: rgba(255,255,255,0.08);
}
.nav-links > li > a.active {
  color: #fff;
}
.nav-links > li > a.active:not(.btn) {
  background: rgba(59,130,246,0.15);
}

/* Dropdown chevron */
.nav-chevron {
  width: 14px;
  height: 14px;
  opacity: .55;
  transition: transform 250ms ease, opacity 250ms ease;
  flex-shrink: 0;
}
.nav-dropdown:hover .nav-chevron,
.nav-dropdown:focus-within .nav-chevron {
  transform: rotate(180deg);
  opacity: 1;
}

/* Services dropdown panel */
.nav-dropdown { position: relative; }
.dropdown-menu {
  position: absolute;
  top: calc(100% + 10px);
  left: 50%;
  min-width: 520px;
  background: rgba(10,18,40,0.97);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: 14px;
  box-shadow: 0 20px 60px rgba(0,0,0,0.5), 0 0 0 1px rgba(59,130,246,0.08);
  padding: .5rem;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: .25rem;
  opacity: 0;
  visibility: hidden;
  transform: translateX(-50%) translateY(-6px);
  transition: opacity 200ms ease, visibility 200ms ease, transform 200ms ease;
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  z-index: 200;
}
.nav-dropdown:hover .dropdown-menu,
.nav-dropdown:focus-within .dropdown-menu {
  opacity: 1;
  visibility: visible;
  transform: translateX(-50%) translateY(0);
}
.dropdown-item {
  display: flex;
  align-items: flex-start;
  gap: .85rem;
  padding: .85rem 1rem;
  border-radius: 10px;
  color: rgba(255,255,255,.75);
  transition: background 180ms ease, color 180ms ease;
  text-decoration: none;
}
.dropdown-item:hover {
  background: rgba(59,130,246,0.1);
  color: #fff;
}
.dropdown-icon {
  flex-shrink: 0;
  width: 36px;
  height: 36px;
  border-radius: 8px;
  background: rgba(59,130,246,0.12);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--accent);
  transition: background 180ms ease;
}
.dropdown-item:hover .dropdown-icon { background: rgba(59,130,246,0.22); }
.dropdown-icon svg { width: 18px; height: 18px; }
.dropdown-text strong {
  display: block;
  font-size: .85rem;
  font-weight: 600;
  color: rgba(255,255,255,.9);
  line-height: 1.3;
  margin-bottom: .2rem;
}
.dropdown-text span {
  font-size: .75rem;
  color: rgba(255,255,255,.45);
  line-height: 1.45;
}
.dropdown-item:hover .dropdown-text strong { color: #fff; }
.dropdown-item:hover .dropdown-text span { color: rgba(255,255,255,.6); }

.nav-cta { margin-left: .5rem; }

/* Hamburger */
.nav-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  padding: 6px;
  background: none;
  border: none;
}
.nav-toggle span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--white);
  border-radius: 2px;
  transition: .3s;
}

/* ── Hero ─────────────────────────────────────────────────── */
.hero {
  background: linear-gradient(135deg, var(--navy) 0%, #1a3a6e 100%);
  padding: 6rem 0 5rem;
  overflow: hidden;
  position: relative;
}
.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.03'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}

.hero .container {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: center;
  position: relative;
  z-index: 1;
}

.hero-content { color: var(--white); }
.hero-content .section-label { color: #60a5fa; }
.hero-content h1 { color: var(--white); margin-bottom: 1.25rem; }
.hero-content p { color: rgba(255,255,255,.75); font-size: 1.1rem; margin-bottom: 2rem; }

.hero-buttons { display: flex; gap: 1rem; flex-wrap: wrap; }

.hero-graphic {
  display: flex;
  justify-content: center;
}

.hero-card-stack { position: relative; width: 100%; max-width: 400px; }

.payment-card {
  background: linear-gradient(135deg, #1a56db, #7c3aed);
  border-radius: 16px;
  padding: 1.75rem;
  color: white;
  box-shadow: 0 20px 60px rgba(0,0,0,.4);
  position: relative;
  aspect-ratio: 856 / 540;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
}
.payment-card .card-chip {
  width: 42px; height: 32px;
  background: linear-gradient(135deg, #fbbf24, #f59e0b);
  border-radius: 6px;
}
.payment-card .card-number {
  font-size: 1.1rem;
  letter-spacing: .15em;
  opacity: .9;
}
.payment-card .card-meta {
  display: flex;
  justify-content: space-between;
  font-size: .8rem;
  opacity: .8;
}

.stats-row {
  display: flex;
  gap: 0;
  margin-top: 1.75rem;
  background: #0A0A0F;
  border: 1px solid rgba(255,255,255,0.06);
  border-radius: 16px;
  overflow: hidden;
  position: relative;
}
.stats-row::before {
  content: '';
  position: absolute;
  top: -60%;
  right: -15%;
  width: 55%;
  height: 220%;
  background: radial-gradient(ellipse, rgba(59,130,246,0.05) 0%, transparent 70%);
  pointer-events: none;
}

.stat-col {
  flex: 1;
  padding: 1.25rem 1rem;
  position: relative;
  border-right: 1px solid rgba(255,255,255,0.06);
  cursor: default;
}
.stat-col:last-child { border-right: none; }
.stat-col:hover { background: rgba(59,130,246,0.04); }

.stat-icon-wrap {
  position: relative;
  display: inline-block;
  margin-bottom: 0.65rem;
}
.stat-icon-wrap::after {
  content: '';
  position: absolute;
  bottom: -4px;
  left: 0;
  width: 0;
  height: 1px;
  background: var(--accent);
  transition: width 250ms ease-out;
}
.stat-col:hover .stat-icon-wrap::after { width: 24px; }

.stat-icon {
  display: block;
  color: var(--accent);
  transition: color 250ms ease-out, filter 250ms ease-out;
}
.stat-col:hover .stat-icon {
  color: #93C5FD;
  filter: drop-shadow(0 0 3px rgba(59,130,246,0.35));
}

.stat-headline {
  font-size: 0.85rem;
  font-weight: 600;
  color: #D4D4D8;
  letter-spacing: -0.01em;
  line-height: 1.3;
  margin-bottom: 0.4rem;
  transition: color 250ms ease-out;
}
.stat-col:hover .stat-headline { color: #F4F4F5; }

.stat-accent { color: var(--accent); }

.stat-body {
  font-size: 0.68rem;
  font-weight: 400;
  color: #71717A;
  line-height: 1.5;
}

@media (prefers-reduced-motion: no-preference) {
  .stat-col {
    opacity: 0;
    transform: translateY(8px);
    transition: opacity 400ms ease-out, transform 400ms ease-out, background 250ms ease-out;
  }
  .stat-col.stat-visible {
    opacity: 1;
    transform: translateY(0);
  }
}
@media (prefers-reduced-motion: reduce) {
  .stat-col { opacity: 1; transform: none; transition: background 250ms ease-out; }
}

/* ── Services Section ─────────────────────────────────────── */
.services-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 1.5rem;
  margin-top: 3rem;
}

.service-card {
  background: var(--white);
  border: 1px solid #e2e8f0;
  border-radius: var(--radius);
  padding: 2rem 1.5rem;
  transition: all .2s;
  position: relative;
  overflow: hidden;
}
.service-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: var(--blue);
  transform: scaleX(0);
  transition: transform .2s;
}
.service-card:hover {
  box-shadow: var(--shadow);
  transform: translateY(-4px);
  border-color: transparent;
}
.service-card:hover::before { transform: scaleX(1); }

.service-icon {
  width: 52px; height: 52px;
  background: #eff6ff;
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.25rem;
  font-size: 1.5rem;
}

.service-card h3 { margin-bottom: .6rem; font-size: 1.05rem; }
.service-card p { font-size: .9rem; line-height: 1.6; }

.read-more {
  display: inline-flex;
  align-items: center;
  gap: .35rem;
  margin-top: 1rem;
  font-size: .85rem;
  font-weight: 600;
  color: var(--blue);
  transition: gap .15s;
}
.read-more:hover { gap: .6rem; }

/* ── Solutions / Industry ─────────────────────────────────── */
.solutions { background: var(--light); }

.solutions-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(160px, 1fr));
  gap: 1.25rem;
  margin-top: 3rem;
}

.solution-chip {
  background: var(--white);
  border-radius: var(--radius);
  padding: 1.75rem 1rem;
  text-align: center;
  border: 1px solid #e2e8f0;
  transition: all .2s;
}
.solution-chip:hover {
  border-color: var(--blue);
  box-shadow: 0 0 0 3px rgba(26,86,219,.08);
}
.solution-chip .icon { font-size: 2rem; margin-bottom: .75rem; }
.solution-chip span { font-weight: 600; font-size: .9rem; display: block; }

/* ── CTA Band ─────────────────────────────────────────────── */
.cta-band {
  background: linear-gradient(135deg, var(--navy) 0%, #1a3a6e 100%);
  padding: 5rem 0;
  text-align: center;
  color: var(--white);
}
.cta-band h2 { color: var(--white); margin-bottom: 1rem; }
.cta-band p { color: rgba(255,255,255,.75); max-width: 600px; margin: 0 auto 2rem; font-size: 1.05rem; }
.cta-band .btn-group { display: flex; gap: 1rem; justify-content: center; flex-wrap: wrap; }

/* ── Capabilities ─────────────────────────────────────────── */
.capabilities-list {
  display: flex;
  flex-wrap: wrap;
  gap: .75rem;
  margin-top: 2.5rem;
}
.cap-tag {
  background: #eff6ff;
  color: var(--blue);
  border-radius: 999px;
  padding: .45rem 1.1rem;
  font-size: .875rem;
  font-weight: 600;
}

/* ── Page Hero (inner pages) ──────────────────────────────── */
.page-hero {
  background: linear-gradient(135deg, var(--navy) 0%, #1a3a6e 100%);
  padding: 4rem 0;
  color: var(--white);
  text-align: center;
  position: relative;
  overflow: hidden;
}
.page-hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.03'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}
.page-hero .container { position: relative; z-index: 1; }
.page-hero h1 { color: var(--white); margin-bottom: .75rem; }
.page-hero p { color: rgba(255,255,255,.75); font-size: 1.1rem; max-width: 600px; margin: 0 auto; }

/* ── About ────────────────────────────────────────────────── */
.about-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: center;
}

.about-visual {
  background: linear-gradient(135deg, #eff6ff, #dbeafe);
  border-radius: 16px;
  padding: 3rem;
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
}

.about-stat {
  background: var(--white);
  border-radius: 10px;
  padding: 1.25rem 1.5rem;
  box-shadow: 0 2px 8px rgba(0,0,0,.06);
  display: flex;
  align-items: center;
  gap: 1rem;
}
.about-stat .icon { font-size: 1.75rem; }
.about-stat .num { font-size: 1.5rem; font-weight: 800; color: var(--navy); }
.about-stat .lbl { font-size: .8rem; color: var(--muted); }

.value-list { margin-top: 1.5rem; display: flex; flex-direction: column; gap: .75rem; }
.value-item {
  display: flex;
  align-items: flex-start;
  gap: .75rem;
  font-size: .95rem;
}
.value-item .check {
  width: 20px; height: 20px;
  background: #dcfce7;
  color: #16a34a;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: .7rem;
  flex-shrink: 0;
  margin-top: 2px;
  font-weight: 700;
}

/* ── Services Detail Page ─────────────────────────────────── */
.services-panel {
  display: grid;
  grid-template-columns: 310px 1fr;
  border: 1px solid #e2e8f0;
  border-radius: 14px;
  overflow: hidden;
  margin-top: 3rem;
  min-height: 340px;
}

.services-nav {
  background: var(--light);
  border-right: 1px solid #e2e8f0;
  display: flex;
  flex-direction: column;
}

.service-nav-item {
  display: flex;
  align-items: center;
  gap: .75rem;
  padding: 1.1rem 1.25rem;
  cursor: pointer;
  border-bottom: 1px solid #e2e8f0;
  font-weight: 600;
  font-size: .875rem;
  color: var(--muted);
  transition: background .15s, color .15s;
  border-left: 3px solid transparent;
  user-select: none;
  flex: 1;
}
.service-nav-item:last-child { border-bottom: none; }
.service-nav-item:hover { background: #e8eef8; color: var(--navy); }
.service-nav-item.active { background: var(--white); color: var(--navy); border-left-color: var(--blue); }

.service-nav-icon {
  width: 28px; height: 28px;
  background: #dbeafe;
  border-radius: 6px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: .85rem;
  flex-shrink: 0;
}
.service-nav-item.active .service-nav-icon { background: #eff6ff; }

.service-nav-arrow {
  margin-left: auto;
  color: var(--blue);
  font-size: 1rem;
  opacity: 0;
  transition: opacity .15s;
}
.service-nav-item.active .service-nav-arrow { opacity: 1; }

.services-content {
  padding: 2.25rem 2.5rem;
  background: var(--white);
}

.service-content-panel { display: none; }
.service-content-panel.active {
  display: block;
  animation: svcFadeIn .18s ease;
}
@keyframes svcFadeIn {
  from { opacity: 0; transform: translateX(10px); }
  to   { opacity: 1; transform: translateX(0); }
}

.service-content-panel h3 { font-size: 1.25rem; margin-bottom: .65rem; }
.service-content-panel h3 a:hover { text-decoration: underline; text-underline-offset: 3px; }
.service-content-panel p  { font-size: .925rem; line-height: 1.7; max-width: 540px; }

/* Service detail items (used on individual subpages) */
.service-detail-item {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 2rem;
  background: var(--white);
  border: 1px solid #e2e8f0;
  border-radius: 16px;
  padding: 2.5rem;
  transition: box-shadow .2s;
}
.service-detail-item:hover { box-shadow: var(--shadow); }

.service-detail-icon {
  width: 72px; height: 72px;
  background: #eff6ff;
  border-radius: 16px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 2rem;
  flex-shrink: 0;
}

.service-detail-item h3 { font-size: 1.3rem; margin-bottom: .75rem; }

/* ── Partners ─────────────────────────────────────────────── */
.partners-benefits {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 1.5rem;
  margin-top: 3rem;
}
.benefit-card {
  background: var(--white);
  border: 1px solid #e2e8f0;
  border-radius: var(--radius);
  padding: 1.5rem;
  transition: box-shadow .2s, border-color .2s;
}
.benefit-card:hover { box-shadow: 0 4px 20px rgba(13,31,60,.09); border-color: #c7d7f0; }
.benefit-card .icon {
  font-size: 1rem;
  width: 34px;
  height: 34px;
  background: #eff6ff;
  border-radius: 7px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: .85rem;
}
.benefit-card h3 { font-size: 1rem; font-weight: 700; margin-bottom: .35rem; }
.benefit-card p   { font-size: .875rem; line-height: 1.65; }

.partner-cta {
  background: var(--light);
  border-radius: 16px;
  padding: 3rem;
  text-align: center;
  margin-top: 4rem;
}
.partner-cta h2 { margin-bottom: 1rem; }
.partner-cta p { margin-bottom: 2rem; max-width: 560px; margin-left: auto; margin-right: auto; }
.partner-cta .btn-group { display: flex; gap: 1rem; justify-content: center; flex-wrap: wrap; }

/* ── Contact ──────────────────────────────────────────────── */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1.4fr;
  gap: 4rem;
  margin-top: 3rem;
}

.contact-info { display: flex; flex-direction: column; gap: 1.5rem; }
.contact-info-item {
  display: flex;
  gap: 1rem;
  align-items: flex-start;
}
.contact-info-item .icon-wrap {
  width: 44px; height: 44px;
  background: #eff6ff;
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.2rem;
  flex-shrink: 0;
}
.contact-info-item strong { display: block; margin-bottom: .2rem; }
.contact-info-item a { color: var(--blue); }

.contact-form-wrap {
  background: var(--white);
  border: 1px solid #e2e8f0;
  border-radius: 16px;
  padding: 2.5rem;
}
.contact-form-wrap h3 { margin-bottom: 1.75rem; }

.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1.25rem; }
.form-group { display: flex; flex-direction: column; gap: .4rem; }
.form-group.full { grid-column: 1 / -1; }
.form-group label { font-size: .875rem; font-weight: 600; color: var(--text); }

.form-group input,
.form-group select,
.form-group textarea {
  padding: .7rem 1rem;
  border: 1.5px solid #cbd5e1;
  border-radius: 8px;
  font-size: .95rem;
  font-family: inherit;
  transition: border-color .15s, box-shadow .15s;
  outline: none;
  color: var(--text);
  background: var(--white);
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  border-color: var(--blue);
  box-shadow: 0 0 0 3px rgba(26,86,219,.1);
}
.form-group textarea { resize: vertical; min-height: 120px; }

.form-submit { margin-top: 1.25rem; }
.form-submit .btn { width: 100%; justify-content: center; padding: .9rem; font-size: 1rem; }

/* ── Footer ───────────────────────────────────────────────── */
.footer {
  background: var(--navy);
  color: rgba(255,255,255,.85);
  padding: 4rem 0 2rem;
}

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1.5fr;
  gap: 3rem;
  padding-bottom: 3rem;
  border-bottom: 1px solid rgba(255,255,255,.1);
}

.footer-brand .nav-logo { margin-bottom: 1rem; }
.footer-brand p { font-size: .9rem; line-height: 1.7; color: rgba(255,255,255,.9); }

.footer-col h4 {
  color: var(--white);
  font-size: .9rem;
  font-weight: 700;
  letter-spacing: .05em;
  text-transform: uppercase;
  margin-bottom: 1rem;
}
.footer-col ul { display: flex; flex-direction: column; gap: .6rem; }
.footer-col ul a {
  font-size: .9rem;
  color: rgba(255,255,255,.8);
  transition: color .15s;
}
.footer-col ul a:hover { color: var(--white); }

.footer-contact p { font-size: .9rem; margin-bottom: .6rem; display: flex; align-items: center; gap: .5rem; color: rgba(255,255,255,.9); }
.footer-contact a { color: rgba(255,255,255,.8); transition: color .15s; }
.footer-contact a:hover { color: var(--white); }

.footer-bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding-top: 1.5rem;
  font-size: .85rem;
  flex-wrap: wrap;
  gap: .5rem;
}
.footer-bottom a { color: rgba(255,255,255,.75); margin-left: 1rem; transition: color .15s; }
.footer-bottom a:hover { color: var(--white); }

/* ── Responsive ───────────────────────────────────────────── */
@media (max-width: 900px) {
  .hero .container { grid-template-columns: 1fr; }
  .hero-graphic { display: none; }
  .about-grid { grid-template-columns: 1fr; }
  .about-visual { display: none; }
  .contact-grid { grid-template-columns: 1fr; }
  .contact-grid--form-first .contact-form-wrap { order: 1; }
  .contact-grid--form-first .contact-info      { order: 2; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 768px) {
  .services-panel { grid-template-columns: 1fr; }
  .services-nav { border-right: none; border-bottom: 1px solid #e2e8f0; flex-direction: row; flex-wrap: wrap; }
  .service-nav-item { border-bottom: none; border-right: 1px solid #e2e8f0; flex: 1 1 auto; justify-content: center; border-left: none; border-bottom: 3px solid transparent; }
  .service-nav-item.active { border-bottom-color: var(--blue); border-left-color: transparent; }
  .service-nav-arrow { display: none; }
  .services-content { padding: 1.75rem; }
}

@media (max-width: 640px) {
  section { padding: 3rem 0; }
  .nav-links { display: none; flex-direction: column; position: absolute; top: 68px; left: 0; right: 0; background: rgba(10,20,48,0.98); backdrop-filter: blur(16px); -webkit-backdrop-filter: blur(16px); border-top: 1px solid rgba(255,255,255,0.08); padding: 1rem 1.25rem 1.5rem; gap: .25rem; }
  .nav-links.open { display: flex; }
  .nav-links > li > a { padding: .65rem .85rem; border-radius: 8px; font-size: .95rem; }
  .nav-toggle { display: flex; }
  .dropdown-menu { display: none !important; }
  .nav-chevron { display: none; }
  .footer-grid { grid-template-columns: 1fr; }
  .form-grid { grid-template-columns: 1fr; }
  .service-detail-item { grid-template-columns: 1fr; }
  .service-detail-icon { width: 52px; height: 52px; font-size: 1.5rem; }
  .service-nav-item { flex-direction: column; gap: .3rem; font-size: .75rem; padding: .75rem .5rem; }
  .service-nav-icon { width: 24px; height: 24px; font-size: .75rem; }
}

/* ── Partner Program Page ────────────────────────────────── */

/* Fade-up scroll animation */
.fade-up {
  opacity: 0;
  transform: translateY(28px);
  transition: opacity .55s ease, transform .55s ease;
}
.fade-up.visible {
  opacity: 1;
  transform: translateY(0);
}

/* Partner hero — centered, taller */
.partner-hero {
  background: linear-gradient(135deg, var(--navy) 0%, #1a3a6e 100%);
  padding: 7rem 0 6rem;
  text-align: center;
  color: var(--white);
  position: relative;
  overflow: hidden;
}
.partner-hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.03'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}
.partner-hero-content {
  position: relative;
  z-index: 1;
  max-width: 760px;
  margin: 0 auto;
}
.partner-hero-content h1 { color: var(--white); margin: .5rem 0 1.25rem; }
.partner-hero-content p  { color: rgba(255,255,255,.75); font-size: 1.15rem; margin-bottom: 2rem; }
.partner-hero-content .hero-buttons { justify-content: center; }

/* Track sections */
.track-section { padding: 5rem 0; background: var(--white); }
.track-alt     { background: var(--light); }

.track-header { max-width: 700px; margin-bottom: 1rem; }
.track-header h2 { margin: .25rem 0 1rem; }
.track-subhead {
  font-size: 1.05rem;
  font-weight: 600;
  color: var(--text);
  margin-bottom: .6rem;
}

/* Benefit grid — 3-column */
.benefit-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
  margin-top: 2.5rem;
}

/* Tier tabs */
.tier-block { margin-top: 3rem; }
.tier-tabs {
  display: inline-flex;
  border: 1.5px solid #e2e8f0;
  border-radius: 8px;
  overflow: hidden;
}
.tier-tab {
  padding: .6rem 1.4rem;
  font-size: .9rem;
  font-weight: 600;
  color: var(--muted);
  cursor: pointer;
  background: var(--white);
  border: none;
  border-right: 1.5px solid #e2e8f0;
  font-family: inherit;
  transition: background .15s, color .15s;
}
.tier-tab:last-child { border-right: none; }
.tier-tab.active { background: var(--blue); color: var(--white); }
.tier-tab:hover:not(.active) { background: var(--light); color: var(--text); }

.tier-panels { margin-top: 1.5rem; }
.tier-panel { display: none; }
.tier-panel.active { display: block; }
.tier-panel p { font-size: .95rem; }
.tier-panel strong { color: var(--text); }

/* Track CTAs */
.track-cta { margin-top: 2.5rem; display: flex; gap: 1rem; flex-wrap: wrap; }

/* Outline button for light backgrounds */
.btn-outline-dark {
  border: 2px solid var(--navy);
  color: var(--navy);
  background: transparent;
}
.btn-outline-dark:hover { background: var(--navy); color: var(--white); }

/* ISV fast-track note */
.isv-note {
  margin-top: 2rem;
  background: #fffbeb;
  border: 1px solid #fde68a;
  border-radius: 8px;
  padding: 1rem 1.25rem;
  font-size: .9rem;
  color: #92400e;
}
.isv-note strong { color: #78350f; }

/* Vertical industry callout */
.vertical-callout {
  margin-top: 2.5rem;
  background: linear-gradient(135deg, #eff6ff, #dbeafe);
  border-left: 4px solid var(--blue);
  border-radius: 0 12px 12px 0;
  padding: 1.25rem 1.75rem;
  font-size: .95rem;
  color: var(--text);
}
.vertical-callout strong { color: var(--navy); }

/* Which program section */
.which-program {
  background: linear-gradient(135deg, var(--navy) 0%, #1a3a6e 100%);
  padding: 5rem 0;
}
.which-program-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
  margin-top: 3rem;
}
.which-card {
  background: rgba(255,255,255,.07);
  border: 1px solid rgba(255,255,255,.12);
  border-radius: 16px;
  padding: 2.5rem 2rem;
  text-align: center;
  transition: background .2s, border-color .2s, transform .2s;
}
.which-card:hover {
  background: rgba(255,255,255,.12);
  border-color: rgba(255,255,255,.28);
  transform: translateY(-4px);
}
.which-icon { font-size: 2.5rem; margin-bottom: 1.25rem; display: flex; align-items: center; justify-content: center; }
.which-card h3 { color: var(--white); margin-bottom: .75rem; font-size: 1.2rem; }
.which-card p  { color: rgba(255,255,255,.65); font-size: .9rem; margin-bottom: 1.75rem; }
.which-card .btn {
  border: 1.5px solid rgba(255,255,255,.4);
  color: var(--white);
  background: transparent;
  font-size: .875rem;
  padding: .55rem 1.25rem;
}
.which-card .btn:hover {
  background: var(--white);
  color: var(--navy);
  border-color: var(--white);
}

/* Responsive — partner page */
@media (max-width: 900px) {
  .benefit-grid { grid-template-columns: repeat(2, 1fr); }
  .which-program-grid { grid-template-columns: 1fr; max-width: 480px; margin-left: auto; margin-right: auto; }
}
@media (max-width: 640px) {
  .benefit-grid { grid-template-columns: 1fr; }
  .tier-tabs { flex-direction: column; width: 100%; }
  .tier-tab { border-right: none; border-bottom: 1.5px solid #e2e8f0; text-align: left; }
  .tier-tab:last-child { border-bottom: none; }
  .partner-hero { padding: 5rem 0 4rem; }
}

/* ── High Risk Page Components ───────────────────────────── */

/* Eligibility note */
.eligibility-note {
  margin-top: 2.5rem;
  background: #fefce8;
  border: 1px solid #fde68a;
  border-radius: 10px;
  padding: 1.1rem 1.5rem;
  font-size: .9rem;
  color: #854d0e;
  display: flex;
  gap: .75rem;
  align-items: flex-start;
}
.eligibility-note strong { color: #713f12; }

/* Comparison table */
.compare-wrap {
  overflow-x: auto;
  -webkit-overflow-scrolling: touch;
  border-radius: 12px;
  border: 1px solid #e2e8f0;
  margin-top: 2.5rem;
}
.compare-table {
  width: 100%;
  border-collapse: collapse;
  min-width: 680px;
}
.compare-table th {
  padding: 1rem 1.25rem;
  text-align: left;
  font-size: .75rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .07em;
  color: var(--muted);
  background: var(--light);
  white-space: nowrap;
}
.compare-table th.col-kaja {
  background: var(--navy);
  color: var(--white);
}
.compare-table td {
  padding: .9rem 1.25rem;
  border-bottom: 1px solid #e2e8f0;
  vertical-align: middle;
  color: var(--muted);
  font-size: .9rem;
}
.compare-table tr:last-child td { border-bottom: none; }
.compare-table td:first-child {
  font-weight: 600;
  color: var(--text);
  white-space: nowrap;
}
.compare-table td.col-kaja {
  background: #eff6ff;
  color: var(--text);
  font-weight: 500;
}
.compare-table .col-kaja {
  border-left: 2px solid var(--blue);
  border-right: 2px solid var(--blue);
}
.compare-table thead tr .col-kaja { border-top: 2px solid var(--blue); }
.compare-table tbody tr:last-child .col-kaja { border-bottom: 2px solid var(--blue); }
.ct-yes     { color: #15803d; font-weight: 700; }
.ct-no      { color: #dc2626; font-weight: 700; }
.ct-partial { color: #d97706; font-weight: 600; }

/* Application process steps */
.steps-flow {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
  margin-top: 3rem;
}
.step-card {
  background: var(--white);
  border: 1px solid #e2e8f0;
  border-radius: 16px;
  padding: 2.5rem 2rem;
  text-align: center;
  transition: box-shadow .2s, transform .2s;
}
.step-card:hover { box-shadow: var(--shadow); transform: translateY(-3px); }
.step-num {
  width: 52px; height: 52px;
  background: var(--blue);
  color: var(--white);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.3rem;
  font-weight: 800;
  margin: 0 auto 1.5rem;
}
.step-card h3 { margin-bottom: .75rem; font-size: 1.1rem; }
.step-card p  { font-size: .9rem; line-height: 1.7; }

/* FAQ accordion */
.faq-list { display: flex; flex-direction: column; gap: .75rem; }
details.faq-item {
  border: 1px solid #e2e8f0;
  border-radius: 10px;
  overflow: hidden;
  transition: box-shadow .2s;
}
details.faq-item[open] { box-shadow: var(--shadow); }
details.faq-item summary {
  padding: 1.25rem 1.5rem;
  font-weight: 600;
  font-size: 1rem;
  cursor: pointer;
  list-style: none;
  display: flex;
  justify-content: space-between;
  align-items: center;
  color: var(--text);
  user-select: none;
  background: var(--white);
}
details.faq-item summary::-webkit-details-marker { display: none; }
details.faq-item summary::after {
  content: '+';
  font-size: 1.4rem;
  color: var(--blue);
  font-weight: 400;
  line-height: 1;
  flex-shrink: 0;
  margin-left: 1rem;
}
details.faq-item[open] summary::after { content: '−'; }
.faq-answer {
  padding: 0 1.5rem 1.5rem;
  font-size: .95rem;
  line-height: 1.7;
}

@media (max-width: 900px) {
  .steps-flow { grid-template-columns: 1fr; max-width: 480px; margin-left: auto; margin-right: auto; }
}

/* ── SVG icon sizing ──────────────────────────────────────── */
.service-icon,
.service-nav-icon,
.service-detail-icon,
.benefit-card .icon,
.contact-info-item .icon-wrap,
.solution-chip .icon,
.about-stat .icon { color: var(--blue); }

.which-icon { color: var(--white); }

.service-icon svg        { width: 26px; height: 26px; }
.service-nav-icon svg    { width: 16px; height: 16px; }
.service-detail-icon svg { width: 38px; height: 38px; }
.benefit-card .icon svg  { width: 18px; height: 18px; }
.contact-info-item .icon-wrap svg { width: 22px; height: 22px; }
.solution-chip .icon svg { width: 22px; height: 22px; }
.about-stat .icon svg    { width: 22px; height: 22px; }
.which-icon svg          { width: 40px; height: 40px; }

@media (max-width: 640px) {
  .service-detail-icon svg { width: 28px; height: 28px; }
}

/* ── Success message ──────────────────────────────────────── */
.form-success {
  display: none;
  background: #dcfce7;
  color: #15803d;
  border-radius: 8px;
  padding: 1rem;
  margin-top: 1rem;
  font-weight: 600;
  text-align: center;
}

/* ── Merchant Services Page ──────────────────────────────── */
.ms-hero { padding: 5rem 0 4rem; }
.ms-hero h1 { max-width: 720px; margin: 0 auto .75rem; }
.ms-hero > .container > .fade-up > p { max-width: 620px; margin-left: auto; margin-right: auto; }

.ms-trust-strip {
  display: flex;
  align-items: center;
  justify-content: center;
  flex-wrap: wrap;
  margin-top: 2.5rem;
  background: rgba(255,255,255,0.07);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: 12px;
  padding: .75rem 1.5rem;
}
.ms-trust-item {
  display: flex;
  align-items: center;
  gap: .5rem;
  font-size: .875rem;
  font-weight: 500;
  color: rgba(255,255,255,.82);
  padding: .4rem 1.25rem;
  white-space: nowrap;
}
.ms-trust-item svg { width: 15px; height: 15px; color: #60a5fa; flex-shrink: 0; }
.ms-trust-divider { width: 1px; height: 18px; background: rgba(255,255,255,0.15); flex-shrink: 0; }

.ms-term-row {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.25rem;
  margin-top: 2.5rem;
}
.ms-term-card {
  background: var(--light);
  border-radius: var(--radius);
  padding: 1.25rem 1.5rem;
  border-left: 3px solid var(--accent);
}
.ms-term-card strong { display: block; font-size: .95rem; font-weight: 700; color: var(--text); margin-bottom: .4rem; }
.ms-term-card p { font-size: .85rem; line-height: 1.6; }

.ms-biz-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 1.25rem;
  margin-top: 2.5rem;
}
.ms-biz-card {
  background: var(--white);
  border: 1px solid #e2e8f0;
  border-radius: var(--radius);
  padding: 1.5rem;
  transition: box-shadow .2s, border-color .2s;
}
.ms-biz-card:hover { box-shadow: 0 4px 20px rgba(13,31,60,.09); border-color: #c7d7f0; }
.ms-biz-icon {
  width: 42px; height: 42px;
  background: #eff6ff;
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--blue);
  margin-bottom: 1rem;
  flex-shrink: 0;
}
.ms-biz-icon svg { width: 20px; height: 20px; }
.ms-biz-card h3 { font-size: 1rem; font-weight: 700; margin-bottom: .35rem; }
.ms-biz-card p { font-size: .875rem; line-height: 1.65; }

.ms-pricing-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
  margin-top: 2.5rem;
  align-items: start;
}
.ms-pricing-card {
  background: var(--white);
  border: 1px solid #e2e8f0;
  border-radius: 14px;
  padding: 2rem;
}
.ms-pricing-featured {
  border-color: var(--blue);
  box-shadow: 0 0 0 1px var(--blue), 0 8px 32px rgba(26,86,219,.1);
}
.ms-pricing-badge {
  display: inline-block;
  background: var(--blue);
  color: var(--white);
  font-size: .72rem;
  font-weight: 700;
  letter-spacing: .06em;
  text-transform: uppercase;
  padding: .3rem .85rem;
  border-radius: 999px;
  margin-bottom: 1rem;
}
.ms-pricing-card h3 { margin-bottom: .75rem; font-size: 1.15rem; }
.ms-pricing-card > p { font-size: .9rem; line-height: 1.7; }

.ms-security-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: start;
}
.ms-security-panel { display: flex; flex-direction: column; gap: 1rem; }
.ms-security-badge {
  display: flex;
  align-items: center;
  gap: 1rem;
  background: var(--light);
  border-radius: 12px;
  padding: 1.25rem 1.5rem;
  border: 1px solid #e2e8f0;
}
.ms-security-badge svg { width: 26px; height: 26px; color: var(--blue); flex-shrink: 0; }
.ms-security-badge strong { display: block; font-size: .9rem; font-weight: 700; color: var(--text); margin-bottom: .15rem; }
.ms-security-badge span { font-size: .8rem; color: var(--muted); }

.ms-steps {
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
  margin-top: 2.5rem;
  max-width: 780px;
}
.ms-step {
  display: flex;
  align-items: flex-start;
  gap: 1.5rem;
  background: var(--white);
  border: 1px solid #e2e8f0;
  border-radius: 14px;
  padding: 1.75rem 2rem;
  transition: box-shadow .2s;
}
.ms-step:hover { box-shadow: var(--shadow); }
.ms-step-num {
  flex-shrink: 0;
  width: 40px; height: 40px;
  background: var(--blue);
  color: var(--white);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1rem;
  font-weight: 800;
  margin-top: .1rem;
}
.ms-step h3 { font-size: 1.05rem; margin-bottom: .4rem; }
.ms-step p { font-size: .9rem; line-height: 1.65; }

.ms-faq {
  margin-top: 2.5rem;
  max-width: 820px;
  display: flex;
  flex-direction: column;
  gap: .5rem;
}
.ms-faq-item {
  border: 1px solid #e2e8f0;
  border-radius: 10px;
  overflow: hidden;
  transition: border-color .2s;
}
.ms-faq-item[open] { border-color: #c7d7f0; }
.ms-faq-q {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  padding: 1.1rem 1.5rem;
  font-size: .95rem;
  font-weight: 600;
  color: var(--text);
  cursor: pointer;
  list-style: none;
  user-select: none;
  background: var(--white);
}
.ms-faq-q::-webkit-details-marker { display: none; }
.ms-faq-chevron {
  width: 16px; height: 16px;
  flex-shrink: 0;
  color: var(--muted);
  transition: transform 200ms ease;
}
.ms-faq-item[open] .ms-faq-chevron { transform: rotate(180deg); }
.ms-faq-a {
  padding: 1rem 1.5rem 1.25rem;
  font-size: .9rem;
  line-height: 1.75;
  color: var(--muted);
  border-top: 1px solid #f1f5f9;
}

@media (max-width: 900px) {
  .ms-security-grid { grid-template-columns: 1fr; }
  .ms-pricing-grid { grid-template-columns: 1fr; max-width: 520px; }
  .ms-term-row { grid-template-columns: 1fr; }
}
@media (max-width: 768px) {
  .ms-hero { padding: 3.5rem 0 3rem; }
  .ms-trust-divider { display: none; }
  .ms-trust-item { padding: .3rem .75rem; }
}
@media (max-width: 640px) {
  .ms-biz-grid { grid-template-columns: 1fr 1fr; }
  .ms-step { padding: 1.25rem 1.5rem; gap: 1rem; }
  .ms-steps { max-width: 100%; }
}
@media (max-width: 480px) {
  .ms-biz-grid { grid-template-columns: 1fr; }
}