:root{
  --bg:#FFFFFF;
  --surface:#F7F9FC;
  --text:#0F172A;
  --muted:#475569;
  --primary:#0B5FFF;
  --secondary:#0AAE8B;
  --accent:#FF8A00;
  --card:#FFFFFF;
  --border:#E2E8F0;
  --shadow:0 10px 24px rgba(2,6,23,.08);
}

*{box-sizing:border-box}
html,body{margin:0;padding:0}
body{
  font-family:Inter, system-ui, -apple-system, Segoe UI, Roboto, Arial, sans-serif;
  color:var(--text);
  background:radial-gradient(1000px 500px at 10% -10%, rgba(11,95,255,.10), transparent 60%), radial-gradient(800px 480px at 110% -10%, rgba(10,174,139,.10), transparent 60%), var(--bg);
  line-height:1.6;
}

.container{width:min(1100px, 92%); margin:0 auto}

.site-header{
  position:sticky; top:0; z-index:50; background:rgba(255,255,255,.85);
  backdrop-filter:saturate(180%) blur(12px);
  border-bottom:1px solid var(--border);
}
.nav-wrap{display:flex; align-items:center; justify-content:space-between; gap:16px; padding:10px 0}
.brand{display:flex; align-items:center; gap:12px; text-decoration:none; color:inherit}
.logo, .logo-sm{
  width:44px; height:44px; display:grid; place-items:center;
  background:linear-gradient(135deg, var(--primary), var(--secondary));
  color:#fff; font-weight:800; border-radius:12px; box-shadow:var(--shadow);
}
.logo-sm{width:36px;height:36px; font-size:14px}
.brand-text{display:flex; flex-direction:column; line-height:1.1}
.brand-text span{color:var(--muted); font-size:12px}

.nav{display:flex; gap:18px}
.nav a{color:#0F172A; text-decoration:none; font-weight:600}
.nav a:hover{color:var(--primary)}

.btn{
  display:inline-flex; align-items:center; justify-content:center; gap:8px;
  padding:.8rem 1.1rem; border-radius:14px; text-decoration:none; border:1px solid transparent;
  font-weight:700; box-shadow:var(--shadow); cursor:pointer;
  transition:transform .15s ease, box-shadow .2s ease, background .2s ease, color .2s ease;
}
.btn:hover{transform:translateY(-1px)}
.btn-primary{background:linear-gradient(135deg, var(--primary), #1246FF); color:#fff}
.btn-primary:hover{box-shadow:0 14px 30px rgba(11,95,255,.20)}
.btn-ghost{background:#fff; color:var(--primary); border-color:#D7E0EF}
.btn-ghost:hover{background:#F0F6FF}

.burger{display:none; background:none; border:0; padding:6px; cursor:pointer}
.burger span{display:block; width:24px; height:2px; background:#111; margin:5px 0; border-radius:2px}

.mobile-menu{display:none; position:fixed; inset:64px 12px auto 12px; background:#fff; border:1px solid var(--border); border-radius:14px; box-shadow:var(--shadow); padding:16px; z-index:40}
.mobile-menu a{display:block; padding:10px 12px; border-radius:10px; color:#111; text-decoration:none}
.mobile-menu a:hover{background:#f3f4f6}

.hero{position:relative; padding:64px 0 24px}
.hero-bg{
  position:absolute; inset:0 -20% auto -20%; height:420px;
  background:radial-gradient(1000px 300px at 20% 20%, rgba(11,95,255,.14), transparent 60%),
             radial-gradient(900px 300px at 80% 10%, rgba(10,174,139,.16), transparent 60%),
             radial-gradient(900px 260px at 50% 0%, rgba(255,138,0,.14), transparent 60%);
  z-index:-1; filter:blur(10px);
}
.hero-grid{display:grid; grid-template-columns:1.1fr .9fr; align-items:center; gap:32px}
.eyebrow{font-size:14px; color:var(--secondary); font-weight:700; letter-spacing:.08em; text-transform:uppercase}
h1{font-family:Poppins, Inter, system-ui, sans-serif; font-weight:800; letter-spacing:-.02em; font-size:clamp(32px, 5vw, 52px); margin:8px 0 10px}
.lead{font-size:18px; color:#1F2937; max-width:56ch}
.grad{background:linear-gradient(90deg, var(--primary), var(--secondary)); -webkit-background-clip:text; background-clip:text; color:transparent}

.hero-ctas{display:flex; gap:12px; margin:16px 0 10px}
.trust-badges{display:flex; gap:10px; flex-wrap:wrap; margin-top:10px}
.badge{background:#fff; border:1px solid var(--border); padding:8px 12px; border-radius:999px; font-weight:700}

.card-stack{position:relative; height:300px}
.ccard{
  position:absolute; right:20px; width:280px; height:160px; border-radius:18px; padding:16px; color:#fff;
  background:linear-gradient(135deg, var(--primary), var(--secondary)); box-shadow:var(--shadow);
  display:flex; align-items:flex-end; font-weight:700; letter-spacing:.06em;
  transform:rotate(0deg) translateY(0); animation:float 6s ease-in-out infinite;
}
.ccard.b{top:70px; right:0; transform:rotate(-6deg);}
.ccard.c{top:140px; right:30px; transform:rotate(6deg)}
@keyframes float{0%,100%{transform:translateY(0)}50%{transform:translateY(-8px)}}

.scroll-hint{display:block; text-align:center; text-decoration:none; color:#111; opacity:.6; margin-top:12px}

.section{padding:60px 0}
.section.alt{background:var(--surface)}
.section-title{font-family:Poppins, Inter, system-ui, sans-serif; font-weight:800; font-size:clamp(24px,4vw,36px); margin:0 0 8px}
.section-subtitle{color:var(--muted); margin:0 0 24px}

.grid.cards{display:grid; grid-template-columns:repeat(4, 1fr); gap:18px}
.card{background:var(--card); border:1px solid var(--border); border-radius:18px; padding:18px; box-shadow:var(--shadow)}
.card .icon{font-size:28px}
.card h3{margin:8px 0}
.link{display:inline-block; margin-top:12px; font-weight:800; color:var(--primary); text-decoration:none}

.hover-float{transition:transform .2s ease, box-shadow .2s ease}
.hover-float:hover{transform:translateY(-4px); box-shadow:0 14px 30px rgba(2,6,23,.12)}

.grid.features{display:grid; grid-template-columns:repeat(3, 1fr); gap:12px}
.feature{background:#fff; padding:14px 16px; border:1px dashed var(--border); border-radius:14px}

.image-tiles{display:grid; grid-template-columns:repeat(3, 1fr); gap:18px}
.tile{border:1px solid var(--border); border-radius:16px; background:#fff; box-shadow:var(--shadow); overflow:hidden}
.tile .thumb{aspect-ratio: 16/10; display:block; width:100%; object-fit:cover; background:#EEF4FF}
.tile .tile-body{padding:14px}
.tile h4{margin:.2rem 0}
.tile p{margin:.2rem 0; color:var(--muted)}

.bank-logos{display:flex; gap:18px; flex-wrap:wrap; align-items:center; justify-content:center; padding:12px 0}
.bank-logos img{height:30px; filter:grayscale(1); opacity:.9; transition:filter .2s ease, opacity .2s ease, transform .2s ease}
.bank-logos img:hover{filter:none; opacity:1; transform:translateY(-2px)}

.split{display:grid; grid-template-columns:1.1fr .9fr; gap:28px; align-items:center}
.form-card label{display:block; font-weight:700; margin-top:10px}
.form-card input, .form-card select{
  width:100%; padding:12px 14px; border-radius:12px; border:1px solid var(--border); outline:0; margin-top:6px; font-size:14px;
}
.form-note{font-size:12px}
.form-status{margin-top:10px; font-weight:700}
.ticks{list-style:none; padding:0; margin:0}
.ticks li{margin:8px 0}

.checkbox{display:flex; align-items:flex-start; gap:10px; margin-top:10px; color:#0F172A}
.checkbox input{
  width:18px; height:18px; margin-top:3px;
  border-radius:4px; border:1px solid #CBD5E1; background:#fff; appearance:none; outline:none; cursor:pointer;
  display:grid; place-items:center;
}
.checkbox input::before{
  content:""; width:12px; height:12px; transform:scale(0); transition:transform .18s ease;
  clip-path: polygon(14% 44%, 0 65%, 50% 100%, 100% 20%, 80% 0, 43% 62%);
  background:#fff;
}
.checkbox input:checked{border-color:transparent; background:linear-gradient(135deg, var(--primary), #1246FF)}
.checkbox input:checked::before{transform:scale(1)}
.checkbox a{color:var(--primary); text-decoration:underline}

.site-footer{border-top:1px solid var(--border); padding-top:24px; background:#fff}
.footer-grid{display:grid; grid-template-columns:1.2fr 1fr 1fr 1.2fr; gap:18px; padding:24px 0}
.site-footer h4{margin:.2rem 0 0}
.site-footer .muted{color:var(--muted)}
.site-footer h5{margin:0 0 8px}
.site-footer ul{list-style:none; padding:0; margin:0}
.site-footer li{margin:8px 0}
.site-footer a{text-decoration:none; color:inherit}
.socials{display:flex; gap:8px; margin-top:10px}
.chip{display:inline-flex; align-items:center; justify-content:center; padding:6px 10px; border-radius:999px; border:1px solid var(--border)}

.legal{display:flex; align-items:center; justify-content:space-between; padding:12px 0 24px; gap:12px}
.legal p{margin:0}

.toast{
  position:fixed; bottom:16px; right:16px; background:#111; color:#fff; padding:12px 14px;
  border-radius:14px; opacity:0; transform:translateY(10px); pointer-events:none; transition:all .2s ease;
}

.reveal{opacity:0; transform:translateY(12px); transition:all .6s cubic-bezier(.2,.6,.2,1)}
.reveal.visible{opacity:1; transform:none}

.pulse{animation:pulse 2.2s ease-in-out infinite}
@keyframes pulse{0%{box-shadow:0 0 0 0 rgba(11,95,255,.35)}70%{box-shadow:0 0 0 14px rgba(11,95,255,0)}100%{box-shadow:0 0 0 0 rgba(11,95,255,0)}}

.muted{color:var(--muted)}

@media (max-width: 900px){
  .hero-grid, .split{grid-template-columns:1fr}
  .grid.cards{grid-template-columns:1fr 1fr}
  .grid.features{grid-template-columns:1fr 1fr}
  .nav{display:none}
  .burger{display:block}
}
@media (max-width: 540px){
  .grid.cards{grid-template-columns:1fr}
  .grid.features{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr 1fr}
}

/* Dark theme */
:root[data-theme="dark"]{
  --bg:#0f1221;
  --surface:#14182b;
  --text:#E6E8F2;
  --muted:#9AA3B2;
  --primary:#6C5CE7;
  --secondary:#00D4FF;
  --accent:#FF8A00;
  --card:#171C33;
  --border:#23304a;
  --shadow:0 16px 40px rgba(0,0,0,.35);
}
:root[data-theme="dark"] body{
  background:radial-gradient(1200px 600px at 10% -10%, rgba(108,92,231,.18), transparent 60%), radial-gradient(900px 500px at 110% 0%, rgba(0,212,255,.16), transparent 60%), var(--bg);
}
:root[data-theme="dark"] .nav a{color:#D5DAE7}
:root[data-theme="dark"] .nav a:hover{color:#fff}
:root[data-theme="dark"] .btn-ghost{background:rgba(255,255,255,.04); color:#DDE3F3; border-color:rgba(255,255,255,.12)}
:root[data-theme="dark"] .section.alt{background:var(--surface)}
:root[data-theme="dark"] .tile{background:var(--card)}

/* Approvals carousel */
.carousel{position:relative; overflow:hidden; border-radius:16px; border:1px solid var(--border); background:#fff; box-shadow:var(--shadow)}
.carousel-track{display:flex; transition:transform .6s ease}
.carousel img{width:100%; height:auto; flex:0 0 100%; display:block; aspect-ratio:16/10; object-fit:cover; background:#EEF4FF}
.carousel-dots{position:absolute; bottom:8px; left:0; right:0; display:flex; gap:6px; justify-content:center; padding:6px}
.carousel-dots button{width:8px; height:8px; border-radius:999px; border:0; background:#cbd5e1; opacity:.8; cursor:pointer}
.carousel-dots button.active{background:var(--primary); opacity:1}

/* Testimonials slider */
.ts-carousel{position:relative; overflow:hidden; border-radius:16px; padding:12px; border:1px solid var(--border); background:var(--card); box-shadow:var(--shadow)}
.ts-track{display:flex; gap:0; transition:transform .6s ease}
.ts-item{flex:0 0 100%; margin:0; padding:28px}
.ts-item blockquote{margin:0 0 8px; font-size:20px; font-weight:700; color:#0F172A}
.ts-item figcaption{color:var(--muted); font-weight:600}
.ts-dots{display:flex; gap:6px; justify-content:center; padding:8px}
.ts-dots button{width:8px; height:8px; border-radius:999px; border:0; background:#cbd5e1; opacity:.9; cursor:pointer}
.ts-dots button.active{background:var(--primary)}

.nav a.active{color:var(--primary); font-weight:800}