/* =========================================================
   MASFIN — Design System
   Navy/Blue/Gold fintech identity, Manrope type
   ========================================================= */

:root {
  --navy: #061C49;
  --blue: #0B3A82;
  --gold: #E9AD32;
  --gold-light: #F7D98A;
  --off-white: #F7F9FC;
  --white: #FFFFFF;
  --graphite: #172033;
  --gray: #667085;
  --line: #E3E8F0;

  --font: 'Manrope', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;

  --radius-sm: 10px;
  --radius-md: 16px;
  --radius-lg: 24px;

  --container: 1180px;
  --shadow: 0 20px 40px -20px rgba(6, 28, 73, 0.25);
  --shadow-sm: 0 8px 20px -12px rgba(6, 28, 73, 0.2);
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: var(--font);
  color: var(--graphite);
  background: var(--off-white);
  line-height: 1.55;
  -webkit-font-smoothing: antialiased;
}

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

.container {
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 24px;
}

h1, h2, h3, h4 {
  font-family: var(--font);
  color: var(--navy);
  margin: 0 0 16px;
  line-height: 1.15;
  letter-spacing: -0.01em;
}

h1 { font-size: clamp(2.1rem, 4.5vw, 3.4rem); font-weight: 800; }
h2 { font-size: clamp(1.6rem, 3vw, 2.3rem); font-weight: 800; }
h3 { font-size: 1.25rem; font-weight: 700; }
p { margin: 0 0 16px; max-width: 62ch; }
p.lede { font-size: 1.15rem; color: var(--gray); }

ul { padding-left: 1.3em; margin: 0 0 16px; }
ul li { margin-bottom: 8px; max-width: 62ch; }

.section { padding: 88px 0; }
.section--tight { padding: 56px 0; }
.section--navy { background: var(--navy); color: var(--white); }
.section--navy h2, .section--navy h3 { color: var(--white); }
.section--navy p { color: #C9D3E8; }
.section--blue { background: var(--blue); color: var(--white); }
.section--blue h2, .section--blue h3 { color: var(--white); }
.section--blue p { color: #D7E1F5; }

.eyebrow {
  color: var(--blue);
  font-weight: 700;
  font-size: 0.95rem;
  margin-bottom: 10px;
  display: inline-block;
}
.section--navy .eyebrow, .section--blue .eyebrow { color: var(--gold-light); }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 15px 28px;
  border-radius: 999px;
  font-weight: 700;
  font-size: 1rem;
  border: 2px solid transparent;
  cursor: pointer;
  transition: transform 0.15s ease, box-shadow 0.15s ease, background 0.15s ease;
}
.btn:focus-visible { outline: 3px solid var(--gold); outline-offset: 2px; }
.btn-primary {
  background: var(--gold);
  color: var(--navy);
}
.btn-primary:hover { background: var(--gold-light); transform: translateY(-1px); }
.btn-outline {
  background: transparent;
  border-color: rgba(255,255,255,0.4);
  color: var(--white);
}
.btn-outline:hover { border-color: var(--white); }
.btn-outline-navy {
  background: transparent;
  border-color: var(--navy);
  color: var(--navy);
}
.btn-outline-navy:hover { background: var(--navy); color: var(--white); }
.btn-block { width: 100%; }

/* ---------- Header ---------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(247, 249, 252, 0.98);
  border-bottom: 1px solid var(--line);
}
.site-header .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 84px;
}
.site-header .logo img { height: 34px; width: auto; }
.nav {
  display: flex;
  align-items: center;
  gap: 32px;
}
.nav a {
  font-weight: 600;
  font-size: 0.96rem;
  color: var(--graphite);
  position: relative;
  padding: 4px 0;
}
.nav a:hover { color: var(--blue); }
.nav .has-dropdown { position: relative; }
.dropdown {
  position: absolute;
  top: calc(100% + 18px);
  left: -20px;
  background: var(--white);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow);
  padding: 10px;
  min-width: 260px;
  display: grid;
  gap: 2px;
  opacity: 0;
  visibility: hidden;
  transform: translateY(6px);
  transition: opacity 0.15s ease, transform 0.15s ease, visibility 0.15s;
}
.has-dropdown:hover .dropdown,
.has-dropdown:focus-within .dropdown {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}
.dropdown a {
  padding: 10px 14px;
  border-radius: var(--radius-sm);
  font-weight: 600;
  font-size: 0.92rem;
}
.dropdown a:hover { background: var(--off-white); color: var(--blue); }

.dropdown.mega {
  min-width: 760px;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 4px 18px;
}
.mega-col { display: grid; gap: 2px; align-content: start; }
.mega-title {
  font-weight: 800;
  color: var(--navy);
  font-size: 0.95rem;
  padding: 8px 14px !important;
  border-bottom: 2px solid var(--gold);
  margin-bottom: 6px;
}
.mega-title:hover { color: var(--blue); background: transparent !important; }
.mega-title--highlight { color: var(--blue); border-bottom-color: var(--blue); }
.dropdown.mega a:not(.mega-title) { font-weight: 500; font-size: 0.85rem; padding: 8px 14px; }

.header-cta { display: flex; align-items: center; gap: 18px; }
.nav-toggle {
  display: none;
  background: none;
  border: none;
  cursor: pointer;
  padding: 8px;
  position: relative;
  z-index: 1000;
}
.nav-toggle span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--navy);
  margin: 5px 0;
  transition: transform .2s ease, opacity .2s ease;
}

@media (max-width: 900px) {
  .nav { position: fixed; top: 84px; left: 0; right: 0; height: calc(100vh - 84px); height: calc(100dvh - 84px); z-index: 999; background: var(--white); flex-direction: column;
    align-items: flex-start; padding: 28px 24px; gap: 6px; transform: translateX(100%);
    transition: transform .25s ease; overflow-y: auto; }
  .nav.is-open { transform: translateX(0); }
  .nav a { padding: 14px 0; width: 100%; border-bottom: 1px solid var(--line); }
  .nav .header-cta { flex-direction: column; align-items: stretch; width: 100%; margin-top: 10px; }
  .dropdown { position: static; box-shadow: none; opacity: 1; visibility: visible; transform: none;
    display: none; padding-left: 12px; }
  .has-dropdown.is-open .dropdown { display: grid; }
  .dropdown.mega { min-width: 0; grid-template-columns: 1fr; }
  .mega-title { margin-top: 10px; }
  .nav-toggle { display: block; }
  .header-cta > .btn-outline-navy { display: none; }
}

/* ---------- Hero ---------- */
.hero {
  padding: 64px 0 90px;
  background:
    radial-gradient(1100px 500px at 85% -10%, rgba(233,173,50,0.18), transparent 60%),
    var(--navy);
  color: var(--white);
  overflow: hidden;
}
.hero .container {
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  gap: 56px;
  align-items: center;
}
.hero h1 { color: var(--white); }
.hero p.lede { color: #C9D3E8; }
.hero-stats {
  display: flex;
  gap: 36px;
  margin-top: 32px;
  flex-wrap: wrap;
}
.hero-stats div strong {
  display: block;
  font-size: 1.8rem;
  color: var(--gold);
  font-weight: 800;
}
.hero-stats div span { color: #9FB0D4; font-size: 0.9rem; }
.hero-actions { display: flex; gap: 16px; margin-top: 32px; flex-wrap: wrap; }

/* Product switcher card in hero */
.switcher {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 28px;
  color: var(--graphite);
  box-shadow: var(--shadow);
}
.switcher-tabs {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-bottom: 20px;
}
.switcher-tabs button {
  border: 1px solid var(--line);
  background: var(--off-white);
  color: var(--graphite);
  padding: 8px 14px;
  border-radius: 999px;
  font-size: 0.82rem;
  font-weight: 700;
  cursor: pointer;
  transition: background .15s ease, color .15s ease;
}
.switcher-tabs button.is-active {
  background: var(--navy);
  color: var(--white);
  border-color: var(--navy);
}
.switcher-panel { display: none; }
.switcher-panel.is-active { display: block; }
.switcher-panel h3 { margin-bottom: 6px; }
.switcher-panel p { font-size: 0.95rem; color: var(--gray); margin-bottom: 14px; }
.check-list { list-style: none; padding: 0; margin: 0 0 18px; display: grid; gap: 10px; }
.check-list li { display: flex; gap: 10px; align-items: flex-start; font-size: 0.95rem; }
.check-list li svg { flex-shrink: 0; margin-top: 3px; }

/* ---------- Product grid ---------- */
.product-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
}
.product-card {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius-md);
  padding: 26px;
  transition: border-color .15s ease, transform .15s ease;
}
.product-card:hover { border-color: var(--gold); transform: translateY(-3px); }
.product-card .tag {
  display: inline-block;
  font-size: 0.75rem;
  font-weight: 700;
  color: var(--blue);
  background: #EAF0FB;
  padding: 4px 10px;
  border-radius: 999px;
  margin-bottom: 14px;
}
.product-card h3 { margin-bottom: 8px; }
.product-card p { font-size: 0.92rem; color: var(--gray); margin-bottom: 16px; }
.product-card .link { font-weight: 700; color: var(--navy); font-size: 0.9rem; }
.product-card .link:hover { color: var(--blue); }

/* ---------- Steps (real sequence) ---------- */
.steps {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  counter-reset: step;
}
.step {
  position: relative;
  padding-top: 8px;
  border-top: 3px solid var(--gold);
}
.step .num {
  font-weight: 800;
  color: var(--gold);
  font-size: 0.85rem;
  letter-spacing: 0.04em;
}
.step h3 { margin: 10px 0 6px; font-size: 1.05rem; }
.step p { font-size: 0.92rem; color: var(--gray); }

/* ---------- Two-column feature ---------- */
.split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 56px;
  align-items: center;
}
.split.reverse .split-media { order: 2; }

.check-tile-list { list-style: none; margin: 0; padding: 0; display: grid; gap: 16px; }
.check-tile-list li {
  display: flex;
  gap: 14px;
  align-items: flex-start;
}
.check-badge {
  flex-shrink: 0;
  width: 30px;
  height: 30px;
  border-radius: 50%;
  background: var(--navy);
  display: flex;
  align-items: center;
  justify-content: center;
}

/* ---------- CTA band ---------- */
.cta-band {
  background: linear-gradient(120deg, var(--navy), var(--blue));
  border-radius: var(--radius-lg);
  padding: 56px;
  color: var(--white);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 32px;
  flex-wrap: wrap;
}
.cta-band h2 { color: var(--white); margin-bottom: 6px; }
.cta-band p { color: #C9D3E8; margin-bottom: 0; }

/* ---------- Form ---------- */
.form-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 36px;
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--line);
}
.form-row { display: grid; gap: 6px; margin-bottom: 18px; }
.form-row label { font-weight: 700; font-size: 0.9rem; color: var(--navy); }
.form-row input,
.form-row select,
.form-row textarea {
  font-family: var(--font);
  font-size: 1rem;
  padding: 13px 15px;
  border: 1.5px solid var(--line);
  border-radius: var(--radius-sm);
  background: var(--off-white);
  color: var(--graphite);
}
.form-row input:focus,
.form-row select:focus,
.form-row textarea:focus {
  outline: none;
  border-color: var(--blue);
  background: var(--white);
}
.form-grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.form-note { font-size: 0.82rem; color: var(--gray); margin-top: 4px; }
.form-status { display: none; padding: 14px 16px; border-radius: var(--radius-sm); font-weight: 600; margin-bottom: 18px; }
.form-status.show { display: block; }
.form-status.ok { background: #E8F6EE; color: #1E7A46; }
.form-status.err { background: #FBEAEA; color: #B23A3A; }
/* honeypot */
.hp { position: absolute; left: -9999px; opacity: 0; height: 0; }

/* ---------- Footer ---------- */
.site-footer {
  background: var(--navy);
  color: #B9C4DE;
  padding: 64px 0 28px;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr;
  gap: 40px;
  margin-bottom: 40px;
}
.footer-grid .logo img { height: 30px; margin-bottom: 16px; }
.footer-grid p { color: #8E9BC0; font-size: 0.88rem; }
.footer-grid h4 { color: var(--white); font-size: 0.95rem; margin-bottom: 16px; }
.footer-grid ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 10px; }
.footer-grid a { color: #B9C4DE; font-size: 0.9rem; }
.footer-grid a:hover { color: var(--gold-light); }
.footer-social { display: flex; gap: 12px; margin-top: 16px; }
.footer-social a {
  width: 38px; height: 38px; border-radius: 50%; border: 1px solid rgba(255,255,255,0.2);
  display: flex; align-items: center; justify-content: center;
}
.footer-social a:hover { border-color: var(--gold); background: rgba(233,173,50,0.1); }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.12);
  padding-top: 24px;
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 12px;
  font-size: 0.82rem;
  color: #7B87A8;
}

/* ---------- Page hero (inner pages) ---------- */
.page-hero {
  background: var(--navy);
  color: var(--white);
  padding: 56px 0 72px;
}
.page-hero h1 { color: var(--white); margin-bottom: 10px; }
.breadcrumb { font-size: 0.85rem; color: #9FB0D4; margin-bottom: 18px; }
.breadcrumb a { color: #C9D3E8; }
.breadcrumb a:hover { color: var(--gold-light); }

.requirements {
  list-style: none;
  margin: 0;
  padding: 0;
  display: grid;
  gap: 14px;
}
.requirements li {
  display: flex;
  gap: 12px;
  align-items: flex-start;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius-sm);
  padding: 16px 18px;
}

.related-products {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
}
.related-products a {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius-sm);
  padding: 16px 18px;
  font-weight: 700;
  color: var(--navy);
  font-size: 0.92rem;
}
.related-products a:hover { border-color: var(--gold); color: var(--blue); }

/* ---------- Floating WhatsApp button ---------- */
.whatsapp-float {
  position: fixed;
  right: 20px;
  bottom: 20px;
  z-index: 70;
  width: 58px;
  height: 58px;
  border-radius: 50%;
  background: #25D366;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 10px 24px -6px rgba(0,0,0,0.35);
  transition: transform 0.15s ease;
}
.whatsapp-float:hover { transform: scale(1.07); }
@media (max-width: 560px) {
  .whatsapp-float { right: 16px; bottom: 16px; width: 52px; height: 52px; }
}

/* ---------- Cookie banner ---------- */
.cookie-banner {
  position: fixed;
  left: 20px;
  right: 20px;
  bottom: 92px;
  z-index: 80;
  background: var(--navy);
  color: var(--white);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow);
  padding: 18px 22px;
  display: none;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  flex-wrap: wrap;
  max-width: 720px;
  margin: 0 auto;
}
.cookie-banner.show { display: flex; }
.cookie-banner p { margin: 0; font-size: 0.88rem; color: #C9D3E8; max-width: none; flex: 1 1 320px; }
.cookie-banner a { color: var(--gold-light); text-decoration: underline; }
.cookie-banner .btn { padding: 10px 22px; font-size: 0.9rem; flex-shrink: 0; }

/* ---------- Utilities ---------- */
.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; }
.text-center { text-align: center; }
.mx-auto { margin-left: auto; margin-right: auto; }
.max-w-content { max-width: 680px; }
.mt-0 { margin-top: 0; }

@media (max-width: 980px) {
  .hero .container { grid-template-columns: 1fr; }
  .product-grid { grid-template-columns: repeat(2, 1fr); }
  .steps { grid-template-columns: repeat(2, 1fr); }
  .split { grid-template-columns: 1fr; }
  .split.reverse .split-media { order: 0; }
  .grid-2 { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .related-products { grid-template-columns: 1fr; }
  .form-grid-2 { grid-template-columns: 1fr; }
}
@media (max-width: 560px) {
  .product-grid { grid-template-columns: 1fr; }
  .steps { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .cta-band { padding: 32px; flex-direction: column; align-items: flex-start; }
  .section { padding: 64px 0; }
}

/* Respect reduced motion */
@media (prefers-reduced-motion: reduce) {
  * { transition-duration: 0.001ms !important; animation-duration: 0.001ms !important; scroll-behavior: auto !important; }
}

/* Visible keyboard focus everywhere */
a:focus-visible, button:focus-visible, input:focus-visible, select:focus-visible, textarea:focus-visible {
  outline: 3px solid var(--gold);
  outline-offset: 2px;
}