/* ============================================================
   SafePayMe.com — Main Stylesheet
   Modern fintech SaaS, mobile-first, deep navy theme
   ============================================================ */

/* ----- Root Variables ----- */
:root {
  /* Primary palette */
  --color-deep-navy: #0a0e17;
  --color-bg-dark: #0d1117;
  --color-surface: #111822;
  --color-card: #1a1f2e;
  --color-card-hover: #222838;
  --color-border: #2a3040;
  --color-border-subtle: #1e2535;

  /* Accent colors */
  --color-electric-blue: #3b82f6;
  --color-electric-blue-hover: #2563eb;
  --color-electric-blue-light: #60a5fa;
  --color-teal: #10b981;
  --color-teal-hover: #059669;
  --color-teal-light: #34d399;

  /* Gradients */
  --gradient-primary: linear-gradient(135deg, #3b82f6, #10b981);
  --gradient-primary-hover: linear-gradient(135deg, #2563eb, #059669);
  --gradient-hero: linear-gradient(135deg, #0a0e17 0%, #111822 50%, #0d1117 100%);
  --gradient-cta: linear-gradient(135deg, #1e3a5f 0%, #0a0e17 50%, #0f2027 100%);

  /* Text */
  --color-text-primary: #f0f4f8;
  --color-text-secondary: #94a3b8;
  --color-text-muted: #64748b;
  --color-text-inverse: #0a0e17;

  /* Functional */
  --color-success: #10b981;
  --color-warning: #f59e0b;
  --color-error: #ef4444;
  --color-info: #3b82f6;

  /* Typography */
  --font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
  --font-weight-light: 300;
  --font-weight-regular: 400;
  --font-weight-medium: 500;
  --font-weight-semibold: 600;
  --font-weight-bold: 700;
  --font-weight-extrabold: 800;

  /* Spacing */
  --section-padding: 6rem 2rem;
  --section-padding-mobile: 3rem 1.5rem;
  --container-max: 1280px;
  --container-narrow: 900px;

  /* Effects */
  --glass-bg: rgba(26, 31, 46, 0.6);
  --glass-border: rgba(59, 130, 246, 0.1);
  --glass-blur: 16px;
  --shadow-sm: 0 1px 3px rgba(0, 0, 0, 0.3);
  --shadow-md: 0 4px 12px rgba(0, 0, 0, 0.4);
  --shadow-lg: 0 8px 32px rgba(0, 0, 0, 0.5);
  --shadow-glow: 0 0 20px rgba(59, 130, 246, 0.15);

  /* Border radius */
  --radius-sm: 6px;
  --radius-md: 10px;
  --radius-lg: 16px;
  --radius-xl: 24px;
  --radius-full: 9999px;

  /* Transitions */
  --transition-fast: 0.15s ease;
  --transition-base: 0.25s ease;
  --transition-slow: 0.4s ease;
}

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

html {
  scroll-behavior: smooth;
  -webkit-text-size-adjust: 100%;
}

body {
  font-family: var(--font-family);
  font-weight: var(--font-weight-regular);
  font-size: 16px;
  line-height: 1.6;
  color: var(--color-text-primary);
  background-color: var(--color-bg-dark);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  overflow-x: hidden;
}

img {
  max-width: 100%;
  height: auto;
  display: block;
}

a {
  color: var(--color-electric-blue);
  text-decoration: none;
  transition: color var(--transition-base);
}

a:hover {
  color: var(--color-electric-blue-light);
}

ul {
  list-style: none;
}

/* ----- Typography ----- */
h1, h2, h3, h4, h5, h6 {
  font-weight: var(--font-weight-bold);
  line-height: 1.2;
  color: var(--color-text-primary);
}

h1 {
  font-size: clamp(2.2rem, 5vw, 3.5rem);
  font-weight: var(--font-weight-extrabold);
  letter-spacing: -0.02em;
}

h2 {
  font-size: clamp(1.8rem, 4vw, 2.75rem);
  font-weight: var(--font-weight-bold);
  letter-spacing: -0.015em;
  margin-bottom: 1rem;
}

h3 {
  font-size: clamp(1.25rem, 2.5vw, 1.5rem);
  font-weight: var(--font-weight-semibold);
}

p {
  color: var(--color-text-secondary);
  margin-bottom: 1rem;
}

.section-subtitle {
  font-size: 1.05rem;
  color: var(--color-text-muted);
  max-width: 720px;
  margin: 0 auto 3rem;
  text-align: center;
  line-height: 1.7;
}

.text-gradient {
  background: var(--gradient-primary);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.text-center {
  text-align: center;
}

/* ----- Container ----- */
.container {
  max-width: var(--container-max);
  margin: 0 auto;
  padding: 0 2rem;
}

.container-narrow {
  max-width: var(--container-narrow);
  margin: 0 auto;
  padding: 0 2rem;
}

/* ----- Sections ----- */
.section {
  padding: var(--section-padding);
}

.section-header {
  text-align: center;
  margin-bottom: 3.5rem;
}

.section-header h2 {
  margin-bottom: 0.75rem;
}

.section-header p {
  max-width: 680px;
  margin: 0 auto;
  font-size: 1.05rem;
}

/* ----- Navigation ----- */
.nav {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  padding: 0.75rem 2rem;
  transition: background var(--transition-base), box-shadow var(--transition-base);
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.nav-scrolled {
  background: var(--glass-bg);
  backdrop-filter: blur(var(--glass-blur));
  -webkit-backdrop-filter: blur(var(--glass-blur));
  border-bottom: 1px solid var(--glass-border);
  box-shadow: var(--shadow-md);
}

.nav-logo {
  font-size: 1.35rem;
  font-weight: var(--font-weight-bold);
  color: var(--color-electric-blue);
  letter-spacing: -0.01em;
}

.nav-logo:hover {
  color: var(--color-electric-blue-light);
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 1.75rem;
}

.nav-links a {
  font-size: 0.875rem;
  font-weight: var(--font-weight-medium);
  color: var(--color-text-secondary);
  position: relative;
  padding: 0.25rem 0;
  transition: color var(--transition-fast);
}

.nav-links a:hover,
.nav-links a.active {
  color: var(--color-electric-blue);
}

.nav-links a.active::after {
  content: '';
  position: absolute;
  bottom: -2px;
  left: 0;
  right: 0;
  height: 2px;
  background: var(--gradient-primary);
  border-radius: 1px;
}

.nav-cta {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.5rem 1.25rem;
  background: var(--gradient-primary);
  color: #fff !important;
  border-radius: var(--radius-full);
  font-weight: var(--font-weight-semibold);
  font-size: 0.8rem;
  transition: opacity var(--transition-base), transform var(--transition-base);
  white-space: nowrap;
}

.nav-cta:hover {
  opacity: 0.9;
  transform: translateY(-1px);
  color: #fff !important;
}

/* Mobile menu toggle */
.menu-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 4px;
}

.menu-toggle span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--color-text-primary);
  border-radius: 2px;
  transition: transform var(--transition-base), opacity var(--transition-base);
}

.menu-toggle.active span:nth-child(1) {
  transform: rotate(45deg) translate(5px, 5px);
}

.menu-toggle.active span:nth-child(2) {
  opacity: 0;
}

.menu-toggle.active span:nth-child(3) {
  transform: rotate(-45deg) translate(5px, -5px);
}

/* ----- Buttons ----- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  padding: 0.85rem 2rem;
  border-radius: var(--radius-full);
  font-family: var(--font-family);
  font-weight: var(--font-weight-semibold);
  font-size: 0.95rem;
  border: none;
  cursor: pointer;
  transition: all var(--transition-base);
  text-decoration: none;
  line-height: 1.2;
}

.btn-primary {
  background: var(--gradient-primary);
  color: #fff;
  box-shadow: var(--shadow-glow);
}

.btn-primary:hover {
  background: var(--gradient-primary-hover);
  transform: translateY(-2px);
  box-shadow: 0 0 30px rgba(59, 130, 246, 0.25);
  color: #fff;
}

.btn-secondary {
  background: transparent;
  color: var(--color-electric-blue);
  border: 1.5px solid var(--color-electric-blue);
}

.btn-secondary:hover {
  background: rgba(59, 130, 246, 0.1);
  transform: translateY(-2px);
  color: var(--color-electric-blue-light);
}

.btn-lg {
  padding: 1rem 2.5rem;
  font-size: 1.05rem;
}

.btn-sm {
  padding: 0.5rem 1.25rem;
  font-size: 0.85rem;
}

/* ----- Hero Section ----- */
.hero {
  min-height: 100vh;
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--gradient-hero);
  position: relative;
  overflow: hidden;
  padding: 8rem 2rem 4rem;
}

.hero::before {
  content: '';
  position: absolute;
  top: -50%;
  right: -20%;
  width: 600px;
  height: 600px;
  background: radial-gradient(circle, rgba(59, 130, 246, 0.08) 0%, transparent 70%);
  border-radius: 50%;
  pointer-events: none;
}

.hero::after {
  content: '';
  position: absolute;
  bottom: -30%;
  left: -10%;
  width: 500px;
  height: 500px;
  background: radial-gradient(circle, rgba(16, 185, 129, 0.05) 0%, transparent 70%);
  border-radius: 50%;
  pointer-events: none;
}

.hero-content {
  max-width: 850px;
  text-align: center;
  position: relative;
  z-index: 1;
}

.hero h1 {
  margin-bottom: 1.5rem;
}

.hero .hero-subtitle {
  font-size: clamp(1rem, 2vw, 1.15rem);
  color: var(--color-text-secondary);
  margin-bottom: 2.5rem;
  line-height: 1.7;
  max-width: 720px;
  margin-left: auto;
  margin-right: auto;
}

.hero-cta {
  display: flex;
  gap: 1rem;
  justify-content: center;
  flex-wrap: wrap;
  margin-bottom: 3.5rem;
}

/* Trust Metrics */
.trust-metrics {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.5rem;
  max-width: 900px;
  margin: 0 auto;
}

.metric-card {
  background: var(--glass-bg);
  backdrop-filter: blur(var(--glass-blur));
  -webkit-backdrop-filter: blur(var(--glass-blur));
  border: 1px solid var(--glass-border);
  border-radius: var(--radius-md);
  padding: 1.25rem 1rem;
  text-align: center;
  transition: transform var(--transition-base), border-color var(--transition-base);
}

.metric-card:hover {
  transform: translateY(-3px);
  border-color: rgba(59, 130, 246, 0.25);
}

.metric-icon {
  font-size: 1.75rem;
  margin-bottom: 0.5rem;
}

.metric-number {
  font-size: 1.5rem;
  font-weight: var(--font-weight-bold);
  background: var(--gradient-primary);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
  margin-bottom: 0.25rem;
}

.metric-label {
  font-size: 0.8rem;
  color: var(--color-text-muted);
  line-height: 1.3;
}

/* ----- Pain Points Section ----- */
.pain-points-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.25rem;
}

.pain-card {
  background: var(--color-card);
  border: 1px solid var(--color-border-subtle);
  border-radius: var(--radius-md);
  padding: 1.5rem;
  transition: all var(--transition-base);
}

.pain-card:hover {
  background: var(--color-card-hover);
  border-color: var(--color-border);
  transform: translateY(-2px);
}

.pain-card .pain-icon {
  font-size: 1.5rem;
  margin-bottom: 0.75rem;
  color: var(--color-warning);
}

.pain-card h4 {
  font-size: 0.95rem;
  margin-bottom: 0.4rem;
  color: var(--color-text-primary);
}

.pain-card p {
  font-size: 0.85rem;
  color: var(--color-text-muted);
  margin-bottom: 0;
}

.pain-transition {
  text-align: center;
  margin-top: 2.5rem;
  font-size: 1.2rem;
  color: var(--color-electric-blue-light);
  font-weight: var(--font-weight-semibold);
}

/* ----- Solution Section ----- */
.solution-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
}

.solution-card {
  background: var(--color-card);
  border: 1px solid var(--color-border-subtle);
  border-radius: var(--radius-md);
  padding: 1.75rem;
  transition: all var(--transition-base);
  text-align: center;
}

.solution-card:hover {
  background: var(--color-card-hover);
  border-color: var(--color-border);
  transform: translateY(-3px);
  box-shadow: var(--shadow-glow);
}

.solution-card .sol-icon {
  font-size: 2rem;
  margin-bottom: 1rem;
}

.solution-card h3 {
  font-size: 1.1rem;
  margin-bottom: 0.5rem;
}

.solution-card p {
  font-size: 0.9rem;
  color: var(--color-text-muted);
  margin-bottom: 0;
}

/* ----- Local Payments Section ----- */
.local-payments-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.25rem;
}

.local-payment-card {
  background: var(--color-card);
  border: 1px solid var(--color-border-subtle);
  border-radius: var(--radius-md);
  padding: 1.5rem;
  text-align: center;
  transition: all var(--transition-base);
}

.local-payment-card:hover {
  background: var(--color-card-hover);
  border-color: var(--color-border);
  transform: translateY(-2px);
}

.local-payment-card .lp-icon {
  font-size: 2rem;
  margin-bottom: 0.75rem;
}

.local-payment-card h4 {
  font-size: 0.95rem;
  margin-bottom: 0.4rem;
}

.local-payment-card p {
  font-size: 0.82rem;
  color: var(--color-text-muted);
  margin-bottom: 0;
}

/* ----- How It Works Section ----- */
.steps-container {
  display: flex;
  align-items: flex-start;
  justify-content: center;
  gap: 0;
  max-width: 1100px;
  margin: 0 auto;
  position: relative;
}

.step {
  flex: 1;
  text-align: center;
  padding: 0 1rem;
  position: relative;
}

.step-number {
  width: 56px;
  height: 56px;
  border-radius: 50%;
  background: var(--gradient-primary);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 1rem;
  font-size: 1.3rem;
  font-weight: var(--font-weight-bold);
  color: #fff;
  position: relative;
  z-index: 2;
}

.step-connector {
  position: absolute;
  top: 28px;
  left: 55%;
  right: -45%;
  height: 2px;
  background: linear-gradient(90deg, var(--color-electric-blue), var(--color-teal));
  z-index: 1;
}

.step:last-child .step-connector {
  display: none;
}

.step h4 {
  font-size: 0.95rem;
  margin-bottom: 0.35rem;
}

.step p {
  font-size: 0.82rem;
  color: var(--color-text-muted);
  margin-bottom: 0;
}

/* ----- Payment Flow Section ----- */
.payment-flow {
  padding: 4rem 2rem;
  background: var(--color-surface);
  overflow: hidden;
}

.flow-container {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0.75rem;
  max-width: 1000px;
  margin: 0 auto;
  flex-wrap: wrap;
}

.flow-node {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 0.5rem;
  min-width: 90px;
}

.flow-icon {
  width: 64px;
  height: 64px;
  border-radius: 50%;
  background: var(--color-card);
  border: 2px solid var(--color-border);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  transition: border-color var(--transition-base), box-shadow var(--transition-base);
}

.flow-label {
  font-size: 0.75rem;
  color: var(--color-text-muted);
  text-align: center;
  font-weight: var(--font-weight-medium);
}

.flow-arrow {
  font-size: 1.5rem;
  color: var(--color-electric-blue);
  opacity: 0.5;
  flex-shrink: 0;
}

/* Animation */
@keyframes flowPulse {
  0%, 100% { border-color: var(--color-border); }
  50% { border-color: var(--color-electric-blue); box-shadow: 0 0 15px rgba(59, 130, 246, 0.2); }
}

@media (prefers-reduced-motion: no-preference) {
  .flow-icon {
    animation: flowPulse 3s ease-in-out infinite;
  }
  .flow-icon:nth-child(2) { animation-delay: 0.5s; }
  .flow-icon:nth-child(3) { animation-delay: 1s; }
  .flow-icon:nth-child(4) { animation-delay: 1.5s; }
  .flow-icon:nth-child(5) { animation-delay: 2s; }
  .flow-icon:nth-child(6) { animation-delay: 2.5s; }
}

/* ----- Settlement Section ----- */
.settlement-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 3rem;
  align-items: center;
}

.settlement-benefits {
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
}

.settlement-benefit {
  display: flex;
  align-items: flex-start;
  gap: 1rem;
}

.settlement-benefit .sb-icon {
  font-size: 1.25rem;
  color: var(--color-teal);
  flex-shrink: 0;
  margin-top: 2px;
}

.settlement-benefit h4 {
  font-size: 1rem;
  margin-bottom: 0.2rem;
}

.settlement-benefit p {
  font-size: 0.85rem;
  color: var(--color-text-muted);
  margin-bottom: 0;
}

.comparison-chart {
  background: var(--color-card);
  border: 1px solid var(--color-border-subtle);
  border-radius: var(--radius-lg);
  padding: 2rem;
}

.comparison-bar {
  display: flex;
  align-items: center;
  gap: 1.5rem;
  margin-bottom: 1.5rem;
}

.comparison-bar:last-child {
  margin-bottom: 0;
}

.comparison-label {
  min-width: 120px;
  font-size: 0.9rem;
  font-weight: var(--font-weight-medium);
  color: var(--color-text-secondary);
}

.comparison-track {
  flex: 1;
  height: 36px;
  background: var(--color-bg-dark);
  border-radius: var(--radius-sm);
  overflow: hidden;
  position: relative;
}

.comparison-fill {
  height: 100%;
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  padding-left: 1rem;
  font-size: 0.8rem;
  font-weight: var(--font-weight-semibold);
  color: #fff;
}

.comparison-fill.traditional {
  width: 75%;
  background: linear-gradient(90deg, #374151, #4b5563);
}

.comparison-fill.safepayme {
  width: 25%;
  background: var(--gradient-primary);
}

/* Disclaimers */
.disclaimer {
  font-size: 0.78rem;
  color: var(--color-text-muted);
  font-style: italic;
  margin-top: 1.5rem;
  line-height: 1.6;
  max-width: 720px;
}

/* ----- KYC & Trust Section ----- */
.kyc-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.25rem;
  margin-bottom: 2.5rem;
}

.kyc-card {
  background: var(--color-card);
  border: 1px solid var(--color-border-subtle);
  border-radius: var(--radius-md);
  padding: 1.5rem;
  text-align: center;
  transition: all var(--transition-base);
}

.kyc-card:hover {
  background: var(--color-card-hover);
  border-color: var(--color-border);
  transform: translateY(-2px);
}

.kyc-card .kyc-icon {
  font-size: 2rem;
  margin-bottom: 0.75rem;
}

.kyc-card h4 {
  font-size: 0.95rem;
  margin-bottom: 0.4rem;
}

.kyc-card p {
  font-size: 0.82rem;
  color: var(--color-text-muted);
  margin-bottom: 0;
}

.kyc-highlight {
  text-align: center;
  max-width: 720px;
  margin: 0 auto;
}

.kyc-highlight p {
  font-size: 1.05rem;
  color: var(--color-text-secondary);
  line-height: 1.7;
}

/* ----- Benefits Section ----- */
.benefits-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.25rem;
}

.benefit-card {
  background: var(--color-card);
  border: 1px solid var(--color-border-subtle);
  border-radius: var(--radius-md);
  padding: 1.5rem;
  transition: all var(--transition-base);
}

.benefit-card:hover {
  background: var(--color-card-hover);
  border-color: var(--color-border);
  transform: translateY(-2px);
}

.benefit-card .ben-icon {
  font-size: 1.5rem;
  margin-bottom: 0.75rem;
}

.benefit-card h4 {
  font-size: 0.9rem;
  margin-bottom: 0.3rem;
  line-height: 1.4;
}

.benefit-card .ben-footnote {
  font-size: 0.7rem;
  color: var(--color-text-muted);
  margin-top: 0.5rem;
}

/* ----- News Section ----- */
.news-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
  margin-bottom: 2.5rem;
}

.news-card {
  background: var(--color-card);
  border: 1px solid var(--color-border-subtle);
  border-radius: var(--radius-md);
  padding: 1.75rem;
  transition: all var(--transition-base);
}

.news-card:hover {
  background: var(--color-card-hover);
  border-color: var(--color-border);
  transform: translateY(-2px);
}

.news-tag {
  display: inline-block;
  padding: 0.2rem 0.6rem;
  font-size: 0.7rem;
  font-weight: var(--font-weight-semibold);
  text-transform: uppercase;
  letter-spacing: 0.05em;
  background: rgba(59, 130, 246, 0.15);
  color: var(--color-electric-blue);
  border-radius: var(--radius-sm);
  margin-bottom: 0.75rem;
}

.news-card h4 {
  font-size: 1rem;
  margin-bottom: 0.5rem;
  line-height: 1.4;
}

.news-date {
  font-size: 0.8rem;
  color: var(--color-text-muted);
  margin-bottom: 0.75rem;
}

.news-card p {
  font-size: 0.85rem;
  color: var(--color-text-muted);
  margin-bottom: 1rem;
}

.news-read-more {
  font-size: 0.85rem;
  font-weight: var(--font-weight-semibold);
  color: var(--color-electric-blue);
}

.news-read-more:hover {
  color: var(--color-electric-blue-light);
}

.news-cta {
  text-align: center;
}

/* ----- FAQ Section ----- */
.faq-list {
  max-width: 800px;
  margin: 0 auto;
}

.faq-item {
  border-bottom: 1px solid var(--color-border-subtle);
}

.faq-question {
  width: 100%;
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 1.25rem 0;
  background: none;
  border: none;
  cursor: pointer;
  font-family: var(--font-family);
  font-size: 1rem;
  font-weight: var(--font-weight-medium);
  color: var(--color-text-primary);
  text-align: left;
  transition: color var(--transition-fast);
}

.faq-question:hover {
  color: var(--color-electric-blue);
}

.faq-question .faq-toggle {
  font-size: 1.25rem;
  color: var(--color-electric-blue);
  transition: transform var(--transition-base);
  flex-shrink: 0;
  margin-left: 1rem;
}

.faq-item.active .faq-toggle {
  transform: rotate(45deg);
}

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height var(--transition-slow), padding var(--transition-slow);
}

.faq-item.active .faq-answer {
  max-height: 500px;
  padding-bottom: 1.25rem;
}

.faq-answer p {
  font-size: 0.9rem;
  color: var(--color-text-muted);
  line-height: 1.7;
  margin-bottom: 0;
}

/* ----- Final CTA Section ----- */
.cta-section {
  background: var(--gradient-cta);
  text-align: center;
  padding: 5rem 2rem;
  position: relative;
  overflow: hidden;
}

.cta-section::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background: radial-gradient(ellipse at center, rgba(59, 130, 246, 0.06) 0%, transparent 70%);
  pointer-events: none;
}

.cta-section h2 {
  position: relative;
  z-index: 1;
  margin-bottom: 1rem;
}

.cta-section p {
  position: relative;
  z-index: 1;
  color: var(--color-text-secondary);
  margin-bottom: 2.5rem;
  max-width: 600px;
  margin-left: auto;
  margin-right: auto;
}

.cta-buttons {
  display: flex;
  gap: 1rem;
  justify-content: center;
  flex-wrap: wrap;
  position: relative;
  z-index: 1;
}

/* ----- Footer ----- */
.footer {
  background: var(--color-deep-navy);
  border-top: 1px solid var(--color-border-subtle);
  padding: 4rem 2rem 2rem;
}

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr;
  gap: 3rem;
  max-width: var(--container-max);
  margin: 0 auto;
  margin-bottom: 3rem;
}

.footer-brand .nav-logo {
  display: inline-block;
  margin-bottom: 0.75rem;
}

.footer-brand p {
  font-size: 0.9rem;
  color: var(--color-text-muted);
  max-width: 360px;
}

.footer-col h4 {
  font-size: 0.9rem;
  margin-bottom: 1rem;
  color: var(--color-text-primary);
}

.footer-col a {
  display: block;
  font-size: 0.85rem;
  color: var(--color-text-muted);
  margin-bottom: 0.6rem;
  transition: color var(--transition-fast);
}

.footer-col a:hover {
  color: var(--color-electric-blue);
}

.footer-contact {
  font-size: 0.85rem;
  color: var(--color-text-muted);
  margin-bottom: 0.6rem;
}

.footer-disclaimer {
  max-width: var(--container-max);
  margin: 0 auto;
  padding-top: 2rem;
  border-top: 1px solid var(--color-border-subtle);
  font-size: 0.75rem;
  color: var(--color-text-muted);
  line-height: 1.6;
  text-align: center;
}

.footer-bottom {
  max-width: var(--container-max);
  margin: 1.5rem auto 0;
  text-align: center;
  font-size: 0.8rem;
  color: var(--color-text-muted);
}

/* ============================================================
   Utility / Shared Styles
   ============================================================ */

/* Glass card base */
.glass-card {
  background: var(--glass-bg);
  backdrop-filter: blur(var(--glass-blur));
  -webkit-backdrop-filter: blur(var(--glass-blur));
  border: 1px solid var(--glass-border);
  border-radius: var(--radius-md);
}

/* Animated gradient border */
.gradient-border {
  position: relative;
  border-radius: var(--radius-md);
}

.gradient-border::before {
  content: '';
  position: absolute;
  top: -1px;
  left: -1px;
  right: -1px;
  bottom: -1px;
  border-radius: inherit;
  background: var(--gradient-primary);
  z-index: -1;
  opacity: 0.3;
  transition: opacity var(--transition-base);
}

.gradient-border:hover::before {
  opacity: 0.6;
}

/* ============================================================
   Legal Pages
   ============================================================ */

.legal-page {
  padding: 8rem 2rem 4rem;
  max-width: 800px;
  margin: 0 auto;
}

.legal-page h1 {
  font-size: 2rem;
  margin-bottom: 0.5rem;
}

.legal-page .legal-date {
  font-size: 0.9rem;
  color: var(--color-text-muted);
  margin-bottom: 2rem;
}

.legal-page h2 {
  font-size: 1.3rem;
  margin-top: 2rem;
  margin-bottom: 0.75rem;
}

.legal-page h3 {
  font-size: 1.1rem;
  margin-top: 1.5rem;
  margin-bottom: 0.5rem;
}

.legal-page p {
  font-size: 0.95rem;
  line-height: 1.7;
  margin-bottom: 1rem;
}

.legal-page ul {
  list-style: disc;
  padding-left: 1.5rem;
  margin-bottom: 1rem;
}

.legal-page ul li {
  font-size: 0.95rem;
  color: var(--color-text-secondary);
  margin-bottom: 0.5rem;
  line-height: 1.6;
}

.legal-page .legal-disclaimer {
  background: var(--color-card);
  border: 1px solid var(--color-border-subtle);
  border-radius: var(--radius-md);
  padding: 1.5rem;
  margin-top: 2rem;
  font-size: 0.85rem;
  color: var(--color-text-muted);
  font-style: italic;
}

/* ============================================================
   Apply Form Page
   ============================================================ */

.apply-page {
  padding: 8rem 2rem 4rem;
  max-width: 720px;
  margin: 0 auto;
}

.apply-page h1 {
  margin-bottom: 0.5rem;
}

.apply-page .apply-intro {
  margin-bottom: 2.5rem;
}

.form-group {
  margin-bottom: 1.5rem;
}

.form-group label {
  display: block;
  font-size: 0.9rem;
  font-weight: var(--font-weight-medium);
  color: var(--color-text-secondary);
  margin-bottom: 0.4rem;
}

.form-group .required {
  color: var(--color-error);
  margin-left: 2px;
}

.form-control {
  width: 100%;
  padding: 0.75rem 1rem;
  background: var(--color-card);
  border: 1px solid var(--color-border-subtle);
  border-radius: var(--radius-md);
  color: var(--color-text-primary);
  font-family: var(--font-family);
  font-size: 0.95rem;
  transition: border-color var(--transition-base), box-shadow var(--transition-base);
}

.form-control:focus {
  outline: none;
  border-color: var(--color-electric-blue);
  box-shadow: 0 0 0 3px rgba(59, 130, 246, 0.15);
}

.form-control::placeholder {
  color: var(--color-text-muted);
}

select.form-control {
  appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 12 12'%3E%3Cpath d='M6 8L1 3h10z' fill='%2364748b'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 1rem center;
  padding-right: 2.5rem;
}

textarea.form-control {
  min-height: 120px;
  resize: vertical;
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.5rem;
}

.form-error {
  font-size: 0.8rem;
  color: var(--color-error);
  margin-top: 0.3rem;
  display: none;
}

.form-control.error {
  border-color: var(--color-error);
}

.form-control.error + .form-error {
  display: block;
}

.form-success {
  text-align: center;
  padding: 3rem;
  display: none;
}

.form-success .success-icon {
  font-size: 3rem;
  color: var(--color-teal);
  margin-bottom: 1rem;
}

.form-success h2 {
  margin-bottom: 1rem;
}

.form-success p {
  color: var(--color-text-secondary);
  max-width: 500px;
  margin: 0 auto;
}

.form-success.show {
  display: block;
}

.hp-field {
  position: absolute;
  left: -9999px;
  opacity: 0;
  height: 0;
  width: 0;
  overflow: hidden;
}

/* ============================================================
   Responsive: Mobile First
   ============================================================ */

/* Up to 479px */
@media (max-width: 479px) {
  .section {
    padding: var(--section-padding-mobile);
  }

  .container {
    padding: 0 1rem;
  }

  h1 {
    font-size: 1.8rem;
  }

  h2 {
    font-size: 1.4rem;
  }

  .hero {
    padding: 6rem 1rem 3rem;
  }

  .trust-metrics {
    grid-template-columns: repeat(2, 1fr);
    gap: 0.75rem;
  }

  .metric-card {
    padding: 1rem 0.75rem;
  }

  .pain-points-grid {
    grid-template-columns: 1fr;
  }

  .solution-grid {
    grid-template-columns: 1fr;
  }

  .local-payments-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .benefits-grid {
    grid-template-columns: 1fr;
  }

  .kyc-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .news-grid {
    grid-template-columns: 1fr;
  }

  .settlement-grid {
    grid-template-columns: 1fr;
    gap: 2rem;
  }

  .steps-container {
    flex-direction: column;
    gap: 1.5rem;
  }

  .step-connector {
    display: none;
  }

  .footer-grid {
    grid-template-columns: 1fr;
    gap: 2rem;
  }

  .form-row {
    grid-template-columns: 1fr;
  }

  .nav {
    padding: 0.5rem 1rem;
  }

  .menu-toggle {
    display: flex;
  }

  .nav-links {
    display: none;
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    flex-direction: column;
    background: var(--color-deep-navy);
    border-bottom: 1px solid var(--color-border-subtle);
    padding: 1rem;
    gap: 0.75rem;
    align-items: stretch;
  }

  .nav-links.open {
    display: flex;
  }

  .nav-links a {
    padding: 0.5rem 0;
    display: block;
  }

  .comparison-label {
    min-width: 80px;
    font-size: 0.8rem;
  }
}

/* 480px – 767px */
@media (min-width: 480px) and (max-width: 767px) {
  .section {
    padding: 4rem 1.5rem;
  }

  .trust-metrics {
    grid-template-columns: repeat(2, 1fr);
  }

  .pain-points-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .solution-grid {
    grid-template-columns: 1fr;
  }

  .local-payments-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .benefits-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .kyc-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .news-grid {
    grid-template-columns: 1fr;
  }

  .settlement-grid {
    grid-template-columns: 1fr;
  }

  .steps-container {
    flex-direction: column;
    gap: 1.5rem;
  }

  .step-connector {
    display: none;
  }

  .footer-grid {
    grid-template-columns: 1fr 1fr;
  }

  .nav {
    padding: 0.5rem 1.5rem;
  }

  .menu-toggle {
    display: flex;
  }

  .nav-links {
    display: none;
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    flex-direction: column;
    background: var(--color-deep-navy);
    border-bottom: 1px solid var(--color-border-subtle);
    padding: 1rem;
    gap: 0.75rem;
    align-items: stretch;
  }

  .nav-links.open {
    display: flex;
  }

  .nav-links a {
    padding: 0.5rem 0;
    display: block;
  }
}

/* 768px – 1023px */
@media (min-width: 768px) and (max-width: 1023px) {
  .section {
    padding: 5rem 2rem;
  }

  .trust-metrics {
    grid-template-columns: repeat(4, 1fr);
  }

  .pain-points-grid {
    grid-template-columns: repeat(4, 1fr);
  }

  .solution-grid {
    grid-template-columns: repeat(3, 1fr);
  }

  .local-payments-grid {
    grid-template-columns: repeat(4, 1fr);
  }

  .benefits-grid {
    grid-template-columns: repeat(4, 1fr);
  }

  .kyc-grid {
    grid-template-columns: repeat(4, 1fr);
  }

  .news-grid {
    grid-template-columns: repeat(3, 1fr);
  }

  .nav-links {
    gap: 1rem;
  }
}

/* 1024px+ */
@media (min-width: 1024px) {
  .menu-toggle {
    display: none;
  }

  .nav-links {
    display: flex !important;
  }
}

/* ============================================================
   Print Styles
   ============================================================ */

@media print {
  .nav,
  .footer,
  .hero-cta,
  .cta-buttons,
  .btn,
  .news-cta,
  .nav-cta {
    display: none !important;
  }

  body {
    background: #fff;
    color: #000;
  }

  .section {
    padding: 1rem 0;
    page-break-inside: avoid;
  }

  .hero {
    min-height: auto;
    padding: 2rem 0;
  }

  * {
    color: #000 !important;
    background: transparent !important;
    box-shadow: none !important;
    text-shadow: none !important;
  }

  .metric-number {
    -webkit-text-fill-color: #000;
  }

  .text-gradient {
    -webkit-text-fill-color: #000;
  }
}

/* ============================================================
   Prefers Reduced Motion
   ============================================================ */

@media (prefers-reduced-motion: reduce) {
  *,
  *::before,
  *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
    scroll-behavior: auto !important;
  }

  .flow-icon {
    animation: none !important;
    border-color: var(--color-border);
  }
}

/* ============================================================
   Focus Styles
   ============================================================ */

:focus-visible {
  outline: 2px solid var(--color-electric-blue);
  outline-offset: 2px;
}

/* Scrollbar */
::-webkit-scrollbar {
  width: 8px;
}

::-webkit-scrollbar-track {
  background: var(--color-bg-dark);
}

::-webkit-scrollbar-thumb {
  background: var(--color-border);
  border-radius: 4px;
}

::-webkit-scrollbar-thumb:hover {
  background: var(--color-text-muted);
}