/* ============================================================
   PayYes Fintech — style.css
   Professional blue fintech theme. White backgrounds, light blue
   sections, rounded cards, soft shadows, clean typography.
   ============================================================ */

:root {
    --primary: #0756B3;
    --primary-dark: #05448a;
    --primary-darker: #032f63;
    --secondary: #0B84F3;
    --accent: #20B8A6;
    --accent-dark: #15988a;

    --success: #1f9d55;
    --warning: #e0a800;
    --error: #d63638;

    --neutral-50: #f8fafc;
    --neutral-100: #f1f5f9;
    --neutral-200: #e2e8f0;
    --neutral-300: #cbd5e1;
    --neutral-400: #94a3b8;
    --neutral-500: #64748b;
    --neutral-600: #475569;
    --neutral-700: #334155;
    --neutral-800: #1e293b;
    --neutral-900: #0f172a;

    --bg: #ffffff;
    --bg-soft: #f4f8fd;
    --bg-blue: #eef5fc;
    --text: #1e293b;
    --text-muted: #475569;
    --text-light: #64748b;
    --border: #e2e8f0;

    --radius-sm: 8px;
    --radius: 14px;
    --radius-lg: 20px;
    --radius-xl: 28px;

    --shadow-xs: 0 1px 2px rgba(7, 86, 179, 0.06);
    --shadow-sm: 0 2px 8px rgba(7, 86, 179, 0.08);
    --shadow: 0 6px 20px rgba(7, 86, 179, 0.08);
    --shadow-md: 0 10px 30px rgba(7, 86, 179, 0.10);
    --shadow-lg: 0 18px 50px rgba(7, 86, 179, 0.14);

    --container: 1440px;
    --header-h: 72px;

    --font-sans: "Inter", "Segoe UI", system-ui, -apple-system, "Helvetica Neue", Arial, sans-serif;

    --transition: 0.25s cubic-bezier(0.4, 0, 0.2, 1);
}

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

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

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

body.menu-open { overflow: hidden; }

img, svg { max-width: 100%; display: block; }

a { color: var(--primary); text-decoration: none; transition: color var(--transition); }
a:hover { color: var(--primary-dark); }

ul { list-style: none; }

button { font-family: inherit; cursor: pointer; border: none; background: none; }

input, textarea, select { font-family: inherit; font-size: inherit; }

:focus-visible {
    outline: 3px solid var(--secondary);
    outline-offset: 2px;
    border-radius: 4px;
}

.sr-only {
    position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px;
    overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;
}

.skip-link {
    position: absolute; left: -999px; top: 0; z-index: 2000;
    background: var(--primary); color: #fff; padding: 10px 18px;
    border-radius: 0 0 var(--radius-sm) 0; font-weight: 600;
}
.skip-link:focus { left: 0; }

/* ---------- Layout ---------- */
.container { width: 100%; max-width: var(--container); margin: 0 auto; padding: 0 24px; }

.section { padding: 72px 0; }
.section-sm { padding: 48px 0; }
.section-blue { background: var(--bg-blue); }
.section-soft { background: var(--bg-soft); }
.section-dark { background: linear-gradient(135deg, var(--primary-darker), var(--primary)); color: #fff; }

.section-head { max-width: 720px; margin: 0 auto 48px; text-align: center; }
.section-head.left { margin-left: 0; text-align: left; }
.section-title { font-size: clamp(1.7rem, 3.5vw, 2.4rem); font-weight: 800; color: var(--primary-darker); line-height: 1.2; letter-spacing: -0.02em; }
.section-dark .section-title { color: #fff; }
.section-subtitle { margin-top: 14px; color: var(--text-muted); font-size: 1.05rem; }
.section-dark .section-subtitle { color: rgba(255,255,255,0.85); }
.eyebrow { display: inline-block; font-size: 0.8rem; font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase; color: var(--secondary); margin-bottom: 12px; }
.section-dark .eyebrow { color: var(--accent); }

.grid { display: grid; gap: 24px; }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }

/* ---------- Buttons ---------- */
.btn {
    display: inline-flex; align-items: center; justify-content: center; gap: 8px;
    padding: 13px 26px; border-radius: var(--radius-sm); font-weight: 600; font-size: 0.95rem;
    transition: all var(--transition); border: 2px solid transparent; text-align: center;
    line-height: 1.2;
}
.btn-primary { background: var(--primary); color: #fff; box-shadow: var(--shadow-sm); }
.btn-primary:hover { background: var(--primary-dark); color: #fff; transform: translateY(-2px); box-shadow: var(--shadow-md); }
.btn-secondary { background: #fff; color: var(--primary); border-color: var(--primary); }
.btn-secondary:hover { background: var(--primary); color: #fff; transform: translateY(-2px); }
.btn-ghost { background: transparent; color: var(--primary); }
.btn-ghost:hover { background: var(--bg-blue); }
.btn-light { background: #fff; color: var(--primary-dark); }
.btn-light:hover { background: var(--neutral-100); color: var(--primary-dark); transform: translateY(-2px); }
.btn-outline-light { background: transparent; color: #fff; border-color: rgba(255,255,255,0.5); }
.btn-outline-light:hover { background: #fff; color: var(--primary-dark); border-color: #fff; }
.btn-lg { padding: 16px 34px; font-size: 1.05rem; }
.btn-block { width: 100%; }

/* ---------- Header ---------- */
.site-header {
    position: sticky; top: 0; z-index: 1000; background: rgba(255,255,255,0.92);
    backdrop-filter: blur(10px); -webkit-backdrop-filter: blur(10px);
    border-bottom: 1px solid var(--border); height: var(--header-h);
    display: flex; align-items: center;
}
.site-header {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    width: 100%;
    z-index: 1000;

    background: rgba(255, 255, 255, 0.96);
    backdrop-filter: blur(12px);
    -webkit-backdrop-filter: blur(12px);

    border-bottom: 1px solid #e5e7eb;
}

/* Set this equal to your header height */
body {
    padding-top: 64px;
}

.header-inner { display: flex; align-items: center; justify-content: space-between; width: 100%; gap: 20px; }

.brand { display: flex; align-items: center; gap: 10px; font-weight: 800; font-size: 1.25rem; color: var(--primary-darker); letter-spacing: -0.01em; }
.brand:hover { color: var(--primary-darker); }
.brand img { height: 38px; width: auto; }
.brand-mark { width: 38px; height: 38px; flex-shrink: 0; }

.nav { display: flex; align-items: center; gap: 4px; }
.nav a {
    padding: 9px 14px; border-radius: var(--radius-sm); color: var(--text); font-weight: 500;
    font-size: 0.95rem; position: relative;
}
.nav a:hover { color: var(--primary); background: var(--bg-blue); }
.nav a.active { color: var(--primary); font-weight: 600; }
.nav a[aria-current="page"]::after {
    content: ""; position: absolute; left: 14px; right: 14px; bottom: 4px; height: 2px;
    background: var(--primary); border-radius: 2px;
}

/* Dropdown */
[data-dropdown] { position: relative; }
[data-dropdown-trigger] { display: inline-flex; align-items: center; gap: 5px; }
[data-dropdown-trigger] svg { width: 14px; height: 14px; transition: transform var(--transition); }
[data-dropdown].open [data-dropdown-trigger] svg { transform: rotate(180deg); }
[data-dropdown-panel] {
    position: absolute; top: calc(100% + 8px); left: 0; min-width: 260px;
    background: #fff; border: 1px solid var(--border); border-radius: var(--radius);
    box-shadow: var(--shadow-md); padding: 8px; opacity: 0; visibility: hidden;
    transform: translateY(8px); transition: all var(--transition); z-index: 100;
}
[data-dropdown].open [data-dropdown-panel] { opacity: 1; visibility: visible; transform: translateY(0); }
[data-dropdown-panel] a {
    display: block; padding: 10px 14px; border-radius: var(--radius-sm); color: var(--text);
    font-size: 0.92rem;
}
[data-dropdown-panel] a:hover { background: var(--bg-blue); color: var(--primary); }

.header-cta { display: flex; align-items: center; gap: 12px; }

/* Hamburger */
.hamburger {
    display: none; width: 44px; height: 44px; border-radius: var(--radius-sm);
    border: 1px solid var(--border); background: #fff; position: relative;
}
.hamburger span, .hamburger span::before, .hamburger span::after {
    content: ""; display: block; position: absolute; left: 50%; top: 50%;
    width: 20px; height: 2px; background: var(--primary-darker); border-radius: 2px;
    transform: translate(-50%, -50%); transition: all var(--transition);
}
.hamburger span::before { transform: translate(-50%, -8px); }
.hamburger span::after { transform: translate(-50%, 6px); }
.hamburger.active span { background: transparent; }
.hamburger.active span::before { transform: translate(-50%, -50%) rotate(45deg); }
.hamburger.active span::after { transform: translate(-50%, -50%) rotate(-45deg); }

/* Mobile menu */
.mobile-menu {
    position: fixed; top: var(--header-h); left: 0; right: 0; bottom: 0;
    background: #fff; padding: 20px 24px; overflow-y: auto; z-index: 999;
    transform: translateX(100%); transition: transform var(--transition);
}
.mobile-menu.open { transform: translateX(0); }
.mobile-menu .nav-item { display: block; padding: 14px 0; border-bottom: 1px solid var(--border); color: var(--text); font-weight: 500; }
.mobile-menu .nav-item:hover, .mobile-menu .nav-item.active { color: var(--primary); }
.mobile-menu .mobile-policies { padding-left: 16px; }
.mobile-menu .mobile-policies a { display: block; padding: 10px 0; color: var(--text-muted); font-size: 0.92rem; }
.mobile-menu details > summary { list-style: none; cursor: pointer; }
.mobile-menu details > summary::-webkit-details-marker { display: none; }
.mobile-menu details[open] > summary .nav-item::after { content: " ▲"; color: var(--primary); }
.mobile-menu .btn { margin-top: 20px; }

/* ---------- Breadcrumb ---------- */
.breadcrumb {
    background: var(--bg-blue); padding: 18px 0; border-bottom: 1px solid var(--border);
}
.breadcrumb ol { display: flex; flex-wrap: wrap; gap: 8px; align-items: center; font-size: 0.88rem; color: var(--text-muted); }
.breadcrumb li::after { content: "/"; margin-left: 8px; color: var(--neutral-400); }
.breadcrumb li:last-child::after { content: ""; }
.breadcrumb a { color: var(--primary); }
.breadcrumb li[aria-current="page"] { color: var(--text); font-weight: 600; }

/* ---------- Hero ---------- */
.hero { position: relative; background: linear-gradient(160deg, #f4f9ff 0%, #ffffff 60%); padding: 64px 0 72px; overflow: hidden; }
.hero::before {
    content: ""; position: absolute; right: -120px; top: -120px; width: 420px; height: 420px;
    background: radial-gradient(circle, rgba(11,132,243,0.10), transparent 70%); border-radius: 50%;
}
.hero-grid { display: grid; grid-template-columns: 1.05fr 0.95fr; gap: 48px; align-items: center; position: relative; }
.hero-eyebrow { display: inline-flex; align-items: center; gap: 8px; background: #eaf3ff; color: var(--primary); padding: 7px 14px; border-radius: 999px; font-size: 0.82rem; font-weight: 600; margin-bottom: 22px; }
.hero-eyebrow .dot { width: 8px; height: 8px; border-radius: 50%; background: var(--accent); }
.hero h1 { font-size: clamp(2rem, 4.5vw, 3.1rem); font-weight: 800; line-height: 1.12; letter-spacing: -0.02em; color: var(--primary-darker); }
.hero h1 .highlight { color: var(--secondary); }
.hero-lead { margin-top: 20px; font-size: 1.12rem; color: var(--text-muted); max-width: 540px; }
.hero-actions { margin-top: 30px; display: flex; flex-wrap: wrap; gap: 14px; }
.hero-trust { margin-top: 30px; display: flex; flex-wrap: wrap; gap: 22px; }
.hero-trust .trust-item { display: flex; align-items: center; gap: 8px; font-size: 0.88rem; color: var(--text-muted); font-weight: 500; }
.hero-trust .trust-item svg { width: 20px; height: 20px; color: var(--accent); flex-shrink: 0; }
.hero-art { position: relative; }
.hero-art img { width: 100%; height: auto; }

/* ---------- Cards ---------- */
.card {
    background: #fff; border: 1px solid var(--border); border-radius: var(--radius);
    padding: 28px; box-shadow: var(--shadow-sm); transition: all var(--transition);
}
.card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); border-color: var(--neutral-200); }
.card-icon {
    width: 52px; height: 52px; border-radius: var(--radius-sm);
    background: var(--bg-blue); color: var(--primary); display: flex;
    align-items: center; justify-content: center; margin-bottom: 18px;
}
.card-icon svg { width: 28px; height: 28px; }
.card h3 { font-size: 1.15rem; font-weight: 700; color: var(--primary-darker); margin-bottom: 8px; }
.card p { color: var(--text-muted); font-size: 0.95rem; }

/* Service cards */
.service-card { text-align: left; display: flex; flex-direction: column; }
.service-card .service-icon { width: 48px; height: 48px; border-radius: 12px; background: var(--bg-blue); color: var(--primary); display: flex; align-items: center; justify-content: center; margin-bottom: 16px; }
.service-card .service-icon svg { width: 26px; height: 26px; }
.service-card h3 { font-size: 1.05rem; font-weight: 700; color: var(--primary-darker); }
.service-card p { font-size: 0.9rem; margin-top: 6px; }

/* Feature / benefit list */
.feature-card { display: flex; gap: 16px; align-items: flex-start; padding: 24px; background: #fff; border: 1px solid var(--border); border-radius: var(--radius); transition: all var(--transition); }
.feature-card:hover { box-shadow: var(--shadow); border-color: var(--neutral-200); transform: translateY(-3px); }
.feature-card .f-icon { width: 44px; height: 44px; border-radius: 12px; background: var(--bg-blue); color: var(--primary); display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.feature-card .f-icon svg { width: 24px; height: 24px; }
.feature-card h3 { font-size: 1.05rem; font-weight: 700; color: var(--primary-darker); margin-bottom: 4px; }
.feature-card p { font-size: 0.92rem; color: var(--text-muted); }

/* Stats */
.stats-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.stat-card { text-align: center; padding: 28px 18px; background: #fff; border: 1px solid var(--border); border-radius: var(--radius); box-shadow: var(--shadow-xs); }
.stat-value { font-size: clamp(1.8rem, 4vw, 2.6rem); font-weight: 800; color: var(--primary); line-height: 1; }
.stat-label { margin-top: 8px; font-size: 0.9rem; color: var(--text-muted); font-weight: 500; }

/* Process steps */
.steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; counter-reset: step; }
.step { position: relative; padding: 28px 22px; background: #fff; border: 1px solid var(--border); border-radius: var(--radius); }
.step .step-num { display: inline-flex; align-items: center; justify-content: center; width: 40px; height: 40px; border-radius: 50%; background: var(--primary); color: #fff; font-weight: 700; font-size: 1rem; margin-bottom: 14px; }
.step h3 { font-size: 1.05rem; font-weight: 700; color: var(--primary-darker); margin-bottom: 6px; }
.step p { font-size: 0.9rem; color: var(--text-muted); }

/* FAQ */
.faq-list { max-width: 820px; margin: 0 auto; }
.faq-item { border: 1px solid var(--border); border-radius: var(--radius); margin-bottom: 14px; overflow: hidden; background: #fff; transition: box-shadow var(--transition); }
.faq-item.open { box-shadow: var(--shadow-sm); }
.faq-trigger { width: 100%; display: flex; align-items: center; justify-content: space-between; gap: 16px; padding: 20px 24px; text-align: left; font-weight: 600; font-size: 1.02rem; color: var(--primary-darker); background: #fff; }
.faq-trigger:hover { background: var(--bg-soft); }
.faq-trigger .chev { width: 20px; height: 20px; flex-shrink: 0; transition: transform var(--transition); color: var(--primary); }
.faq-item.open .faq-trigger .chev { transform: rotate(180deg); }
.faq-panel { max-height: 0; overflow: hidden; transition: max-height var(--transition); }
.faq-panel-inner { padding: 0 24px 22px; color: var(--text-muted); }

/* ---------- Footer ---------- */
.site-footer { background: var(--neutral-900); color: var(--neutral-300); padding-top: 60px; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1.2fr; gap: 40px; padding-bottom: 40px; }
.footer-brand .brand { color: #fff; margin-bottom: 16px; }
.footer-brand p { color: var(--neutral-400); font-size: 0.92rem; max-width: 320px; }
.footer-col h4 { color: #fff; font-size: 0.95rem; font-weight: 700; margin-bottom: 16px; letter-spacing: 0.02em; }
.footer-col ul li { margin-bottom: 10px; }
.footer-col a { color: var(--neutral-400); font-size: 0.92rem; }
.footer-col a:hover { color: #fff; }
.footer-contact li { display: flex; gap: 10px; align-items: flex-start; margin-bottom: 12px; color: var(--neutral-400); font-size: 0.92rem; }
.footer-contact svg { width: 18px; height: 18px; color: var(--accent); flex-shrink: 0; margin-top: 2px; }
.footer-social { display: flex; gap: 12px; margin-top: 18px; }
.footer-social a { width: 38px; height: 38px; border-radius: 10px; background: rgba(255,255,255,0.08); display: flex; align-items: center; justify-content: center; color: var(--neutral-300); transition: all var(--transition); }
.footer-social a:hover { background: var(--primary); color: #fff; transform: translateY(-2px); }
.footer-social svg { width: 18px; height: 18px; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,0.1); padding: 22px 0; display: flex; flex-wrap: wrap; gap: 12px; justify-content: space-between; align-items: center; font-size: 0.85rem; color: var(--neutral-500); }
.footer-bottom a { color: var(--neutral-400); }
.footer-bottom a:hover { color: #fff; }

/* ---------- Page hero (inner pages) ---------- */
.page-hero { background: linear-gradient(160deg, var(--bg-blue), #fff); padding: 56px 0 48px; border-bottom: 1px solid var(--border); }
.page-hero h1 { font-size: clamp(1.8rem, 4vw, 2.6rem); font-weight: 800; color: var(--primary-darker); line-height: 1.15; letter-spacing: -0.02em; }
.page-hero p { margin-top: 14px; font-size: 1.05rem; color: var(--text-muted); max-width: 680px; }

/* ---------- Legal / policy content ---------- */
.policy-content { max-width: 860px; margin: 0 auto; }
.policy-content h2 { font-size: 1.4rem; font-weight: 700; color: var(--primary-darker); margin: 36px 0 12px; }
.policy-content h3 { font-size: 1.12rem; font-weight: 600; color: var(--neutral-800); margin: 24px 0 8px; }
.policy-content p, .policy-content li { color: var(--text-muted); margin-bottom: 12px; font-size: 0.98rem; }
.policy-content ul, .policy-content ol { padding-left: 22px; margin-bottom: 14px; }
.policy-content ul li, .policy-content ol li { list-style: disc; }
.policy-content ol li { list-style: decimal; }
.policy-content .lead { font-size: 1.08rem; color: var(--text); }
.policy-meta { display: inline-block; background: var(--bg-blue); color: var(--primary); padding: 6px 14px; border-radius: 999px; font-size: 0.82rem; font-weight: 600; margin-bottom: 20px; }
.callout { background: var(--bg-blue); border-left: 4px solid var(--secondary); padding: 18px 22px; border-radius: var(--radius-sm); margin: 22px 0; }
.callout p { margin-bottom: 0; color: var(--text); }
.disclaimer { background: #fff7ed; border: 1px solid #fed7aa; border-left: 4px solid var(--warning); padding: 18px 22px; border-radius: var(--radius-sm); margin: 22px 0; }
.disclaimer p { margin-bottom: 0; color: #92400e; font-size: 0.92rem; }

/* ---------- Contact ---------- */
.contact-grid { display: grid; grid-template-columns: 1fr 1.2fr; gap: 40px; align-items: flex-start; }
.contact-info-card { background: #fff; border: 1px solid var(--border); border-radius: var(--radius); padding: 30px; box-shadow: var(--shadow-sm); }
.contact-info-list li { display: flex; gap: 14px; align-items: flex-start; margin-bottom: 22px; }
.contact-info-list .ci-icon { width: 44px; height: 44px; border-radius: 12px; background: var(--bg-blue); color: var(--primary); display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.contact-info-list .ci-icon svg { width: 22px; height: 22px; }
.contact-info-list h4 { font-size: 0.95rem; font-weight: 700; color: var(--primary-darker); margin-bottom: 2px; }
.contact-info-list p, .contact-info-list a { color: var(--text-muted); font-size: 0.95rem; }
.contact-info-list a:hover { color: var(--primary); }

.form-card { background: #fff; border: 1px solid var(--border); border-radius: var(--radius); padding: 32px; box-shadow: var(--shadow); }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.form-group { margin-bottom: 18px; }
.form-group label { display: block; font-weight: 600; font-size: 0.9rem; color: var(--neutral-700); margin-bottom: 6px; }
.form-group .req { color: var(--error); }
.form-group input, .form-group textarea, .form-group select {
    width: 100%; padding: 12px 14px; border: 1px solid var(--neutral-300); border-radius: var(--radius-sm);
    background: #fff; color: var(--text); transition: border-color var(--transition), box-shadow var(--transition);
}
.form-group input:focus, .form-group textarea:focus, .form-group select:focus {
    border-color: var(--secondary); box-shadow: 0 0 0 3px rgba(11,132,243,0.12); outline: none;
}
.form-group input[aria-invalid="true"], .form-group textarea[aria-invalid="true"], .form-group select[aria-invalid="true"] {
    border-color: var(--error); box-shadow: 0 0 0 3px rgba(214,54,56,0.10);
}
.form-group textarea { resize: vertical; min-height: 120px; }
.form-group .hint { font-size: 0.82rem; color: var(--text-light); margin-top: 4px; }
.field-error { display: block; color: var(--error); font-size: 0.82rem; margin-top: 4px; }
.consent-group { display: flex; align-items: flex-start; gap: 10px; }
.consent-group input { width: auto; margin-top: 4px; }
.consent-group label { font-weight: 400; font-size: 0.9rem; color: var(--text-muted); }

.form-status { padding: 12px 16px; border-radius: var(--radius-sm); font-size: 0.92rem; margin-bottom: 18px; display: none; }
.form-status.success { display: block; background: #ecfdf5; color: #065f46; border: 1px solid #a7f3d0; }
.form-status.error { display: block; background: #fef2f2; color: #991b1b; border: 1px solid #fecaca; }
.form-status.info { display: block; background: var(--bg-blue); color: var(--primary-dark); border: 1px solid #bfdbfe; }

/* ---------- CTA banner ---------- */
.cta-banner { background: linear-gradient(135deg, var(--primary-darker), var(--primary)); color: #fff; border-radius: var(--radius-lg); padding: 48px; text-align: center; box-shadow: var(--shadow-lg); }
.cta-banner h2 { font-size: clamp(1.6rem, 3.5vw, 2.2rem); font-weight: 800; }
.cta-banner p { margin: 14px auto 26px; max-width: 560px; color: rgba(255,255,255,0.9); }
.cta-banner .btn-row { display: flex; gap: 14px; justify-content: center; flex-wrap: wrap; }

/* ---------- About ---------- */
.about-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; align-items: center; }
.about-art img { width: 100%; }
.values-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.mv-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; }

/* ---------- Scroll reveal (progressive enhancement) ---------- */
/* Only hide elements when JS is confirmed active (.js-ready on <html>).
   Without JS, all content is visible by default. */
[data-reveal] { opacity: 1; transform: none; }
html.js-ready [data-reveal] { opacity: 0; transform: translateY(24px); transition: opacity 0.6s ease, transform 0.6s ease; }
html.js-ready [data-reveal].revealed { opacity: 1; transform: none; }
html.js-ready [data-reveal][data-reveal-delay="1"] { transition-delay: 0.08s; }
html.js-ready [data-reveal][data-reveal-delay="2"] { transition-delay: 0.16s; }
html.js-ready [data-reveal][data-reveal-delay="3"] { transition-delay: 0.24s; }

/* ---------- Misc ---------- */
.text-center { text-align: center; }
.mt-0 { margin-top: 0; }
.mb-0 { margin-bottom: 0; }
.disclaimer-bar { background: var(--bg-soft); border-top: 1px solid var(--border); padding: 16px 0; font-size: 0.82rem; color: var(--text-light); text-align: center; }

/* ---------- Service card grid (28 categories) ---------- */
.service-grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 22px; }
.svc-card {
    position: relative; background: #fff; border: 1px solid var(--border); border-radius: var(--radius);
    padding: 28px 24px 24px; display: flex; flex-direction: column; gap: 14px;
    box-shadow: var(--shadow-xs); transition: transform 0.3s ease, box-shadow 0.3s ease, border-color 0.3s ease;
    text-decoration: none; color: inherit; overflow: hidden;
}
.svc-card::before {
    content: ""; position: absolute; top: 0; left: 0; right: 0; height: 3px;
    background: linear-gradient(90deg, var(--primary), var(--secondary));
    opacity: 0; transition: opacity 0.3s ease;
}
.svc-card::after {
    content: ""; position: absolute; bottom: -40px; right: -40px; width: 120px; height: 120px;
    background: radial-gradient(circle, rgba(11,132,243,0.06), transparent 70%);
    border-radius: 50%; pointer-events: none; transition: transform 0.4s ease;
}
.svc-card:hover { transform: translateY(-5px); box-shadow: 0 12px 36px rgba(7,86,179,0.12); border-color: rgba(11,132,243,0.25); color: inherit; }
.svc-card:hover::before { opacity: 1; }
.svc-card:hover::after { transform: scale(1.3); }
.svc-card:hover .svc-card-name { color: var(--primary); }
.svc-card:hover .svc-icon-wrap { transform: scale(1.08); box-shadow: 0 6px 18px rgba(11,132,243,0.2); }
.svc-card:hover .svc-card-link { color: var(--primary); }
.svc-card:hover .svc-card-arrow { transform: translateX(4px); }
.svc-icon-wrap {
    width: 56px; height: 56px; border-radius: 16px; background: linear-gradient(135deg, var(--bg-blue), #e8f1fd);
    color: var(--primary); display: flex; align-items: center; justify-content: center; flex-shrink: 0;
    transition: transform 0.3s ease, box-shadow 0.3s ease;
}
.svc-icon-wrap svg { width: 28px; height: 28px; }
.svc-card-name { font-size: 1.05rem; font-weight: 700; color: var(--primary-darker); line-height: 1.2; transition: color 0.3s ease; }
.svc-card-desc { font-size: 0.85rem; color: var(--text-muted); flex: 1; line-height: 1.5; }
.svc-card-link { font-size: 0.84rem; font-weight: 600; color: var(--secondary); display: inline-flex; align-items: center; gap: 6px; margin-top: 2px; transition: color 0.3s ease; }
.svc-card-arrow { display: inline-block; transition: transform 0.3s ease; }
.svc-card-arrow svg { width: 14px; height: 14px; }

/* Services hero (2-col) */
.services-hero { background: linear-gradient(160deg, #f4f9ff 0%, #fff 60%); padding: 60px 0 52px; position: relative; overflow: hidden; }
.services-hero::before { content:""; position:absolute; right:-80px; top:-80px; width:320px; height:320px; background:radial-gradient(circle,rgba(11,132,243,0.08),transparent 70%); border-radius:50%; }
.services-hero-grid { display: grid; grid-template-columns: 1.1fr 0.9fr; gap: 48px; align-items: center; position: relative; }
.services-hero-art { display: flex; justify-content: center; align-items: center; }

/* Category detail groups */
.cat-detail-section { padding: 56px 0; border-top: 1px solid var(--border); }
.cat-detail-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; align-items: center; }
.cat-detail-grid.reverse { }
.cat-detail-content h2 { font-size: 1.7rem; font-weight: 800; color: var(--primary-darker); line-height: 1.2; margin-bottom: 14px; }
.cat-detail-content p { color: var(--text-muted); margin-bottom: 12px; }
.cat-mini-list { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; margin-top: 18px; }
.cat-mini-item { display: flex; align-items: center; gap: 10px; padding: 12px 14px; background: var(--bg-blue); border-radius: var(--radius-sm); font-size: 0.9rem; font-weight: 600; color: var(--primary-darker); }
.cat-mini-item svg { width: 20px; height: 20px; color: var(--primary); flex-shrink: 0; }
.cat-detail-art { border-radius: var(--radius-lg); overflow: hidden; }

/* Process steps connected */
.steps-connected { display: grid; grid-template-columns: repeat(4, 1fr); gap: 0; position: relative; }
.steps-connected::before { content:""; position:absolute; top:36px; left:10%; right:10%; height:2px; background: linear-gradient(90deg, var(--primary), var(--secondary)); z-index:0; }
.step-conn { position: relative; z-index:1; text-align:center; padding: 0 18px; }
.step-conn-num { width:72px; height:72px; border-radius:50%; background:var(--primary); color:#fff; font-weight:800; font-size:1.4rem; display:flex; align-items:center; justify-content:center; margin:0 auto 18px; box-shadow: var(--shadow-md); }
.step-conn:nth-child(2) .step-conn-num { background: var(--secondary); }
.step-conn:nth-child(3) .step-conn-num { background: var(--accent); }
.step-conn:nth-child(4) .step-conn-num { background: var(--success); }
.step-conn-icon { width:36px; height:36px; background:#fff; border-radius:50%; border:2px solid currentColor; display:flex; align-items:center; justify-content:center; margin:0 auto 16px; color:inherit; }
.step-conn h3 { font-size: 1rem; font-weight: 700; color: var(--primary-darker); margin-bottom: 6px; }
.step-conn p { font-size: 0.88rem; color: var(--text-muted); }

/* ---------- Hero payment animation ---------- */
.hero-anim-wrap {
    position: relative; width: 100%; max-width: 400px;
    margin: 0 auto;
}
[data-anim-state] {
    position: absolute; top: 0; left: 0; width: 100%;
    opacity: 0; transform: translateY(14px) scale(0.97);
    transition: opacity 0.5s ease, transform 0.5s ease;
    pointer-events: none;
}
[data-anim-state]:first-child { position: relative; }
[data-anim-state].anim-active {
    opacity: 1; transform: translateY(0) scale(1);
    pointer-events: auto;
}

/* Payment card — bill state */
.pay-card {
    background: #fff; border-radius: 22px; padding: 28px;
    box-shadow: 0 20px 60px rgba(7,86,179,0.16);
    border: 1px solid rgba(11,132,243,0.12);
}
.pay-card-header { display: flex; align-items: center; gap: 14px; margin-bottom: 22px; }
.pay-card-icon { width: 48px; height: 48px; border-radius: 14px; background: var(--bg-blue); color: var(--primary); display: flex; align-items: center; justify-content: center; }
.pay-card-icon svg { width: 26px; height: 26px; }
.pay-card-category { font-size: 0.78rem; font-weight: 600; color: var(--text-light); text-transform: uppercase; letter-spacing: 0.06em; }
.pay-card-biller { font-size: 1rem; font-weight: 700; color: var(--primary-darker); }
.pay-card-row { display: flex; justify-content: space-between; align-items: center; padding: 10px 0; border-bottom: 1px solid var(--neutral-100); font-size: 0.88rem; }
.pay-card-row:last-of-type { border-bottom: none; }
.pay-card-label { color: var(--text-light); }
.pay-card-value { font-weight: 600; color: var(--text); }
.pay-card-amount { font-size: 1.2rem; font-weight: 800; color: var(--primary); }
.pay-card-due { color: var(--warning); }
.pay-card-btn { width: 100%; margin-top: 20px; text-align: center; padding: 14px; border-radius: var(--radius-sm); background: var(--primary); color: #fff; font-weight: 700; font-size: 0.98rem; }

/* Processing state */
.pay-processing { background: #fff; border-radius: 22px; padding: 32px 28px; box-shadow: 0 20px 60px rgba(7,86,179,0.16); border: 1px solid rgba(11,132,243,0.12); }
.pay-spinner { width: 52px; height: 52px; margin: 0 auto 18px; border: 4px solid var(--neutral-200); border-top-color: var(--primary); border-radius: 50%; animation: spin 0.9s linear infinite; }
.pay-processing-title { text-align: center; font-size: 1.1rem; font-weight: 700; color: var(--primary-darker); margin-bottom: 22px; }
.pay-steps-list { display: grid; gap: 12px; }
.pay-step-item { display: flex; align-items: center; gap: 12px; padding: 10px 14px; border-radius: var(--radius-sm); background: var(--bg-soft); font-size: 0.88rem; font-weight: 500; color: var(--text-muted); }
.pay-step-item.done { background: #ecfdf5; color: #065f46; }
.pay-step-item.active { background: var(--bg-blue); color: var(--primary-dark); }
.pay-step-dot { width: 8px; height: 8px; border-radius: 50%; background: currentColor; flex-shrink: 0; }
.pay-step-item.active .pay-step-dot { animation: pulse-dot 1s ease-in-out infinite; }

/* Success state */
.pay-success { background: #fff; border-radius: 22px; padding: 32px 28px; box-shadow: 0 20px 60px rgba(7,86,179,0.16); border: 1px solid rgba(11,132,243,0.12); text-align: center; }
.pay-success-check { width: 64px; height: 64px; background: #ecfdf5; border-radius: 50%; display: flex; align-items: center; justify-content: center; margin: 0 auto 16px; }
.pay-success-check svg { width: 34px; height: 34px; color: var(--success); }
.pay-success-title { font-size: 1.15rem; font-weight: 800; color: var(--primary-darker); margin-bottom: 4px; }
.pay-success-sub { font-size: 0.85rem; color: var(--text-muted); margin-bottom: 22px; }
.pay-success-rows { text-align: left; background: var(--bg-soft); border-radius: var(--radius-sm); padding: 14px 18px; display: grid; gap: 8px; }
.pay-success-row { display: flex; justify-content: space-between; font-size: 0.85rem; }
.pay-success-row span:first-child { color: var(--text-light); }
.pay-success-row span:last-child { font-weight: 600; color: var(--text); }
.pay-success-badge { margin-top: 16px; display: inline-flex; align-items: center; gap: 8px; background: #ecfdf5; color: #065f46; padding: 8px 16px; border-radius: 999px; font-size: 0.82rem; font-weight: 600; }
.pay-success-badge svg { width: 16px; height: 16px; }

/* Demo label */
.demo-label { text-align: center; margin-top: 12px; font-size: 0.75rem; color: var(--text-light); opacity: 0.7; }

/* Services SVG illustration */
.services-hero-svg { width: 100%; max-width: 420px; height: auto; }

@keyframes spin { to { transform: rotate(360deg); } }
@keyframes pulse-dot { 0%,100% { opacity:1; } 50% { opacity:0.3; } }
@keyframes check-draw {
    from { stroke-dashoffset: 36; }
    to   { stroke-dashoffset: 0; }
}
.check-path {
    stroke-dasharray: 36;
    stroke-dashoffset: 36;
    animation: check-draw 0.5s ease 0.1s forwards;
}
.anim-active .check-path { animation: check-draw 0.5s ease 0.1s forwards; }

@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; }
    [data-reveal] { opacity: 1; transform: none; }
    html.js-ready [data-reveal] { opacity: 1; transform: none; }
    [data-anim-state] { opacity: 1; transform: none; transition: none; }
    .pay-spinner { animation: none; border-top-color: var(--primary); }
}