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

:root {
  --navy:        #1B2E50;
  --navy-dark:   #111E36;
  --navy-mid:    #243A64;
  --green:       #4CB848;
  --green-dark:  #379933;
  --green-pale:  #EEF8EE;
  --blue:        #2B6CB8;
  --blue-pale:   #EFF3FB;
  --white:       #ffffff;
  --gray-50:     #F8FAFC;
  --gray-100:    #F1F5F9;
  --gray-200:    #E2E8F0;
  --gray-400:    #94A3B8;
  --gray-500:    #64748B;
  --gray-600:    #475569;
  --gray-700:    #334155;
  --gray-900:    #0F172A;
  --radius:      10px;
  --radius-lg:   16px;
  --shadow-sm:   0 1px 3px rgba(0,0,0,.07), 0 1px 2px rgba(0,0,0,.05);
  --shadow-md:   0 4px 16px rgba(0,0,0,.08);
  --shadow-lg:   0 12px 36px rgba(0,0,0,.12);
  --shadow-xl:   0 24px 56px rgba(0,0,0,.16);
  --transition:  .22s ease;
}

html { scroll-behavior: smooth; }

body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
  color: var(--gray-700);
  background: var(--white);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}

img { display: block; max-width: 100%; }
a  { text-decoration: none; color: inherit; }
button { font-family: inherit; cursor: pointer; }
input, select, textarea { font-family: inherit; }

/* ─────────────────────────────────────
   SCROLL PROGRESS BAR
───────────────────────────────────── */
.progress-bar {
  position: fixed;
  top: 0; left: 0;
  width: 0%;
  height: 3px;
  background: var(--green);
  z-index: 9999;
  transition: width .1s linear;
}

/* ─────────────────────────────────────
   TYPOGRAPHY
───────────────────────────────────── */
.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: .72rem;
  font-weight: 700;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--green);
  margin-bottom: 16px;
}
.eyebrow--light { color: var(--green); }

h1 { font-size: clamp(2.2rem, 4.5vw, 3.75rem); font-weight: 900; line-height: 1.1; }
h2 { font-size: clamp(1.7rem, 3vw, 2.6rem);  font-weight: 800; line-height: 1.2; color: var(--navy); }
h3 { font-size: 1.5rem;  font-weight: 700; }
h4 { font-size: 1rem;    font-weight: 700; }
h5 { font-size: .875rem; font-weight: 700; }

.text-green { color: var(--green); }

/* ─────────────────────────────────────
   LAYOUT
───────────────────────────────────── */
.container { max-width: 1180px; margin: 0 auto; padding: 0 24px; }
.section { padding: 96px 0; }
.section--alt { background: var(--gray-50); }

.section-header {
  text-align: center;
  max-width: 660px;
  margin: 0 auto 60px;
}
.section-header p { color: var(--gray-500); font-size: 1.05rem; margin-top: 16px; }

/* ─────────────────────────────────────
   BUTTONS
───────────────────────────────────── */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 13px 26px;
  border-radius: var(--radius);
  font-size: .95rem;
  font-weight: 600;
  border: 2px solid transparent;
  cursor: pointer;
  transition: all var(--transition);
  white-space: nowrap;
  line-height: 1;
}
.btn--lg    { padding: 16px 32px; font-size: 1rem; }
.btn--sm    { padding: 10px 18px; font-size: .85rem; }
.btn--block { width: 100%; justify-content: center; }

.btn--primary {
  background: var(--green);
  color: var(--white);
  border-color: var(--green);
  box-shadow: 0 2px 12px rgba(76,184,72,.25);
}
.btn--primary:hover {
  background: var(--green-dark);
  border-color: var(--green-dark);
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(76,184,72,.35);
}

.btn--outline {
  background: transparent;
  color: var(--white);
  border-color: rgba(255,255,255,.4);
}
.btn--outline:hover { border-color: var(--white); background: rgba(255,255,255,.08); }

.btn--ghost-nav {
  background: transparent;
  color: var(--navy);
  border-color: var(--gray-300);
  padding: 9px 17px;
  font-size: .85rem;
  font-weight: 500;
  border: 1.5px solid var(--gray-300);
  border-radius: var(--radius);
  transition: all var(--transition);
}
.btn--ghost-nav:hover { color: var(--navy); border-color: var(--navy); }

.btn--green { background: var(--green); color: var(--white); border-color: var(--green); }
.btn--green:hover { background: var(--green-dark); border-color: var(--green-dark); transform: translateY(-2px); }

.btn--white { background: var(--white); color: var(--navy); border-color: var(--white); }
.btn--white:hover { background: var(--gray-100); transform: translateY(-2px); }

.btn--outline-white {
  background: transparent;
  color: var(--white);
  border-color: rgba(255,255,255,.5);
}
.btn--outline-white:hover { border-color: var(--white); background: rgba(255,255,255,.12); }

.link-arrow {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  color: var(--blue);
  font-weight: 600;
  font-size: .9rem;
  transition: gap var(--transition);
}
.link-arrow:hover { gap: 10px; }
.link-arrow svg { flex-shrink: 0; transition: transform var(--transition); }
.link-arrow:hover svg { transform: translateX(3px); }

/* ─────────────────────────────────────
   NAV
───────────────────────────────────── */
.nav {
  position: sticky;
  top: 0;
  z-index: 200;
  background: #ffffff;
  border-bottom: 1px solid var(--gray-200);
  box-shadow: 0 2px 8px rgba(0,0,0,.06);
}
.nav__inner {
  display: flex;
  align-items: center;
  gap: 32px;
  height: 66px;
}
.nav__logo {
  display: flex;
  align-items: center;
  flex-shrink: 0;
}
.nav__logo img { height: 44px; }
.nav__links {
  display: flex;
  align-items: center;
  gap: 28px;
  list-style: none;
  margin-right: auto;
}
.nav__link {
  color: var(--gray-600);
  font-size: .875rem;
  font-weight: 500;
  transition: color var(--transition);
  position: relative;
  padding-bottom: 2px;
}
.nav__link::after {
  content: '';
  position: absolute;
  bottom: -2px; left: 0;
  width: 0; height: 2px;
  background: var(--green);
  transition: width var(--transition);
}
.nav__link:hover,
.nav__link.active { color: var(--navy); }
.nav__link.active::after,
.nav__link:hover::after { width: 100%; }
.nav__cta { display: flex; align-items: center; gap: 10px; }

.hamburger {
  display: none;
  flex-direction: column;
  justify-content: center;
  gap: 5px;
  background: none;
  border: none;
  padding: 4px;
  margin-left: auto;
}
.hamburger span {
  display: block;
  width: 22px;
  height: 2px;
  background: var(--navy);
  border-radius: 2px;
  transition: all .3s ease;
}
.hamburger.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.hamburger.open span:nth-child(2) { opacity: 0; }
.hamburger.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* ─────────────────────────────────────
   HERO
───────────────────────────────────── */
.hero {
  background: var(--navy-dark);
  padding: 100px 0 120px;
  position: relative;
  overflow: hidden;
}
.hero::after {
  content: '';
  position: absolute;
  bottom: 0; left: 0;
  width: 100%;
  height: 72px;
  background: var(--white);
  clip-path: polygon(100% 0, 100% 100%, 0 100%);
}
.hero__inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 56px;
  align-items: center;
}
.hero__content .eyebrow { color: var(--green); }
.hero h1 { color: var(--white); margin-bottom: 24px; }
.hero__sub {
  color: rgba(255,255,255,.68);
  font-size: 1.05rem;
  line-height: 1.75;
  max-width: 500px;
  margin-bottom: 36px;
}
.hero__actions { display: flex; gap: 14px; flex-wrap: wrap; }

/* Activity panel */
.activity-panel {
  background: var(--navy-mid);
  border: 1px solid rgba(255,255,255,.1);
  border-radius: var(--radius-lg);
  overflow: hidden;
}
.activity-panel__head {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 16px 20px;
  border-bottom: 1px solid rgba(255,255,255,.08);
}
.ap-title { color: var(--white); font-size: .875rem; font-weight: 600; }
.ap-live {
  display: flex;
  align-items: center;
  gap: 6px;
  color: var(--green);
  font-size: .72rem;
  font-weight: 600;
  letter-spacing: .06em;
  text-transform: uppercase;
}
.pulse-dot {
  display: inline-block;
  width: 7px; height: 7px;
  border-radius: 50%;
  background: var(--green);
  animation: pulse 2s infinite;
}
@keyframes pulse {
  0%, 100% { opacity: 1; box-shadow: 0 0 0 0 rgba(76,184,72,.5); }
  50%       { opacity: .7; box-shadow: 0 0 0 5px rgba(76,184,72,0); }
}

/* Clipping wrapper — fixed height hides the 5th item during slide */
.activity-panel__feed-wrap {
  overflow: hidden;
  height: 224px; /* 4 × 56px */
}

.activity-panel__feed {
  padding: 0 20px;
  display: flex;
  flex-direction: column;
  will-change: transform;
}

.feed-event {
  height: 56px;
  flex-shrink: 0;
  display: flex;
  align-items: center;
  gap: 12px;
  border-bottom: 1px solid rgba(255,255,255,.06);
}
.feed-event:last-child { border-bottom: none; }

.feed-event__badge {
  flex-shrink: 0;
  padding: 3px 9px;
  border-radius: 20px;
  font-size: .68rem;
  font-weight: 700;
  letter-spacing: .04em;
  text-transform: uppercase;
  margin-top: 2px;
}
.badge--ai       { background: rgba(43,108,184,.25); color: #7EC8E3; border: 1px solid rgba(43,108,184,.3); }
.badge--deal     { background: rgba(76,184,72,.2);  color: var(--green); border: 1px solid rgba(76,184,72,.3); }
.badge--ach      { background: rgba(255,255,255,.08); color: rgba(255,255,255,.6); border: 1px solid rgba(255,255,255,.1); }
.badge--renewal  { background: rgba(251,191,36,.15); color: #FBbf24; border: 1px solid rgba(251,191,36,.25); }
.badge--recovery { background: rgba(248,113,113,.15); color: #F87171; border: 1px solid rgba(248,113,113,.25); }

.feed-event__text { flex: 1; min-width: 0; }
.feed-event__merchant { color: var(--white); font-size: .8rem; font-weight: 600; }
.feed-event__detail   { color: rgba(255,255,255,.45); font-size: .75rem; margin-top: 2px; }

.activity-panel__stats {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  border-top: 1px solid rgba(255,255,255,.08);
}
.mini-stat {
  display: flex;
  flex-direction: column;
  align-items: center;
  padding: 16px 12px;
  border-right: 1px solid rgba(255,255,255,.08);
}
.mini-stat:last-child { border-right: none; }
.mini-stat__val {
  color: var(--green);
  font-size: 1.4rem;
  font-weight: 800;
  line-height: 1;
}
.mini-stat__lbl {
  color: rgba(255,255,255,.4);
  font-size: .68rem;
  font-weight: 500;
  text-transform: uppercase;
  letter-spacing: .06em;
  margin-top: 4px;
  text-align: center;
}

/* ─────────────────────────────────────
   PATH CARDS
───────────────────────────────────── */
.paths { padding: 88px 0; }
.paths__grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
}
.path-card {
  border: 1.5px solid var(--gray-200);
  border-radius: var(--radius-lg);
  padding: 40px 36px;
  transition: all .3s ease;
  position: relative;
  overflow: hidden;
}
.path-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: var(--green);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform .3s ease;
}
.path-card:hover { border-color: var(--gray-200); box-shadow: var(--shadow-xl); transform: translateY(-5px); }
.path-card:hover::before { transform: scaleX(1); }

.path-card__icon {
  width: 52px; height: 52px;
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 22px;
}
.path-card__icon svg { width: 24px; height: 24px; }
.path-card__icon--blue  { background: var(--blue-pale); color: var(--blue); }
.path-card__icon--navy  { background: #EEF1F8; color: var(--navy); }

.path-card__tag { font-size: .72rem; font-weight: 700; text-transform: uppercase; letter-spacing: .1em; color: var(--green); margin-bottom: 10px; }
.path-card h3   { color: var(--navy); margin-bottom: 12px; }
.path-card p    { color: var(--gray-500); line-height: 1.7; margin-bottom: 24px; font-size: .95rem; }

/* ─────────────────────────────────────
   FEATURES
───────────────────────────────────── */
.feat-tabs {
  display: flex;
  gap: 8px;
  flex-wrap: wrap;
  margin-bottom: 36px;
  justify-content: center;
}
.feat-tab {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  padding: 9px 18px;
  border-radius: 8px;
  font-size: .85rem;
  font-weight: 600;
  border: 1.5px solid var(--gray-200);
  background: var(--white);
  color: var(--gray-600);
  cursor: pointer;
  transition: all var(--transition);
}
.feat-tab:hover { border-color: var(--navy); color: var(--navy); }
.feat-tab.active { background: var(--navy); color: var(--white); border-color: var(--navy); }
.feat-tab__n {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 20px; height: 20px;
  border-radius: 50%;
  font-size: .68rem;
  font-weight: 700;
  background: rgba(0,0,0,.12);
}
.feat-tab.active .feat-tab__n { background: rgba(255,255,255,.2); }

.feat-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}

.feat-card {
  background: var(--white);
  border: 1.5px solid var(--gray-200);
  border-radius: var(--radius-lg);
  padding: 28px 24px;
  display: flex;
  flex-direction: column;
  gap: 0;
  transition: all .3s ease, opacity .3s ease, transform .3s ease;
  position: relative;
}
.feat-card:hover {
  border-color: var(--navy);
  box-shadow: var(--shadow-lg);
  transform: translateY(-3px);
}
.feat-card.hidden {
  opacity: 0;
  transform: scale(.95);
  pointer-events: none;
  position: absolute;
  visibility: hidden;
}

.feat-card--highlight {
  background: var(--navy);
  border-color: var(--navy);
  color: var(--white);
}
.feat-card--highlight:hover { border-color: var(--navy-mid); }
.feat-card--highlight h4 { color: var(--white); }
.feat-card--highlight p  { color: rgba(255,255,255,.65); }
.feat-card--highlight .feat-card__badge { display: inline-block; margin-bottom: 12px; }
.feat-card--highlight .feat-expand { color: rgba(255,255,255,.55); border-color: rgba(255,255,255,.15); }
.feat-card--highlight .feat-expand:hover { color: var(--white); border-color: rgba(255,255,255,.4); }

.feat-card__badge {
  display: none;
  background: var(--green);
  color: var(--white);
  font-size: .68rem;
  font-weight: 700;
  letter-spacing: .06em;
  text-transform: uppercase;
  padding: 3px 10px;
  border-radius: 20px;
}

.feat-card__icon {
  width: 44px; height: 44px;
  border-radius: 10px;
  background: var(--gray-100);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 18px;
  color: var(--navy);
  flex-shrink: 0;
}
.feat-card__icon svg { width: 20px; height: 20px; }
.feat-card--highlight .feat-card__icon { background: rgba(255,255,255,.12); color: var(--white); }

.feat-card h4 { color: var(--navy); margin-bottom: 10px; line-height: 1.3; }
.feat-card p  { color: var(--gray-500); font-size: .875rem; line-height: 1.7; flex: 1; }

.feat-card__extra { margin-top: 10px; }
.feat-card__extra p { color: var(--gray-500); font-size: .875rem; line-height: 1.7; }
.feat-card--highlight .feat-card__extra p { color: rgba(255,255,255,.55); }

.feat-expand {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  margin-top: 14px;
  background: none;
  border: 1.5px solid var(--gray-200);
  border-radius: 6px;
  padding: 5px 12px;
  font-size: .78rem;
  font-weight: 600;
  color: var(--gray-500);
  cursor: pointer;
  transition: all var(--transition);
  align-self: flex-start;
}
.feat-expand:hover { color: var(--navy); border-color: var(--navy); }
.feat-expand__icon { width: 14px; height: 14px; transition: transform .22s ease; }
.feat-expand[aria-expanded="true"] .feat-expand__icon { transform: rotate(180deg); }
.feat-expand[aria-expanded="true"] .feat-expand__txt::before { content: "Show less"; }
.feat-expand[aria-expanded="false"] .feat-expand__txt::before { content: "Show more"; }
.feat-expand__txt { display: none; }
.feat-expand__txt::before { display: inline; }

.roadmap-note {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-top: 36px;
  padding: 18px 22px;
  background: var(--white);
  border: 1.5px solid var(--gray-200);
  border-radius: var(--radius);
  color: var(--gray-600);
  font-size: .875rem;
}
.roadmap-note svg { flex-shrink: 0; color: var(--navy); }
.roadmap-note strong { color: var(--navy); }

/* ─────────────────────────────────────
   SECURITY
───────────────────────────────────── */
.security { background: var(--navy-dark); }
.security .section-header h2 { color: var(--white); }
.security .section-header p  { color: rgba(255,255,255,.55); }
.security__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}
.security-card {
  background: rgba(255,255,255,.05);
  border: 1px solid rgba(255,255,255,.09);
  border-radius: var(--radius-lg);
  padding: 32px 28px;
  transition: all .3s ease;
}
.security-card:hover {
  background: rgba(255,255,255,.08);
  border-color: rgba(76,184,72,.35);
  transform: translateY(-3px);
}
.security-card__icon {
  width: 48px; height: 48px;
  border-radius: 12px;
  background: var(--green);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
  color: var(--white);
}
.security-card__icon svg { width: 22px; height: 22px; }
.security-card h4 { color: var(--white); margin-bottom: 10px; }
.security-card p  { color: rgba(255,255,255,.55); font-size: .875rem; line-height: 1.75; }

/* ─────────────────────────────────────
   ONBOARDING
───────────────────────────────────── */
.onboarding__grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 72px;
  align-items: center;
}
.onboarding__left .eyebrow { display: block; }
.onboarding__left h2 { margin-bottom: 16px; }
.onboarding__intro { color: var(--gray-500); font-size: 1rem; line-height: 1.75; margin-bottom: 40px; }

.onboard-steps { display: flex; flex-direction: column; gap: 28px; }
.onboard-step {
  display: flex;
  gap: 18px;
  align-items: flex-start;
}
.onboard-step__num {
  flex-shrink: 0;
  width: 40px; height: 40px;
  border-radius: 50%;
  background: var(--navy);
  color: var(--white);
  font-weight: 800;
  font-size: .95rem;
  display: flex;
  align-items: center;
  justify-content: center;
}
.onboard-step h4 { color: var(--navy); margin-bottom: 6px; }
.onboard-step p  { color: var(--gray-500); font-size: .875rem; line-height: 1.7; }

.onboard-timeline {
  background: var(--white);
  border: 1.5px solid var(--gray-200);
  border-radius: var(--radius-lg);
  padding: 32px 28px;
}
.onboard-timeline__title { color: var(--navy); margin-bottom: 24px; }

.onboard-tl-item {
  display: flex;
  gap: 16px;
  align-items: flex-start;
  padding-bottom: 22px;
  position: relative;
}
.onboard-tl-item:not(.onboard-tl-item--last)::after {
  content: '';
  position: absolute;
  top: 10px;
  left: 7px;
  width: 2px;
  height: calc(100% - 10px);
  background: var(--gray-200);
}
.onboard-tl-item__dot {
  flex-shrink: 0;
  width: 16px; height: 16px;
  border-radius: 50%;
  background: var(--gray-200);
  border: 2px solid var(--white);
  outline: 2px solid var(--gray-200);
  position: relative;
  z-index: 1;
}
.onboard-tl-item__dot--green {
  background: var(--green);
  outline-color: rgba(76,184,72,.3);
}
.onboard-tl-item__content { display: flex; flex-direction: column; gap: 2px; }
.tl-day   { font-size: .75rem; font-weight: 700; color: var(--green); text-transform: uppercase; letter-spacing: .06em; }
.tl-label { color: var(--gray-700); font-size: .875rem; font-weight: 500; }

/* ─────────────────────────────────────
   COLLECTIONS
───────────────────────────────────── */
.collections { background: var(--navy-dark); }
.collections__inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 72px;
  align-items: start;
}
.collections__left .eyebrow { display: block; }
.collections__left h2 { color: var(--white); margin-bottom: 20px; }
.collections__intro { color: rgba(255,255,255,.62); font-size: 1rem; line-height: 1.8; margin-bottom: 32px; }
.collections__callouts {
  display: flex;
  gap: 32px;
  flex-wrap: wrap;
}
.callout { display: flex; flex-direction: column; gap: 4px; flex: 1; }
.callout__value { color: var(--green); font-size: 1.75rem; font-weight: 800; line-height: 1; }
.callout__label { color: rgba(255,255,255,.5); font-size: .78rem; font-weight: 500; }

/* Accordion */
.accordion { display: flex; flex-direction: column; gap: 2px; }
.accordion__item {
  background: rgba(255,255,255,.04);
  border: 1px solid rgba(255,255,255,.08);
  border-radius: var(--radius);
  overflow: hidden;
  transition: border-color .3s;
}
.accordion__item.open {
  border-color: rgba(76,184,72,.3);
  background: rgba(255,255,255,.07);
}
.accordion__trigger {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  padding: 18px 20px;
  background: none;
  border: none;
  cursor: pointer;
  text-align: left;
  color: var(--white);
  font-size: .9rem;
  font-weight: 600;
  transition: color .2s;
}
.accordion__trigger-left {
  display: flex;
  align-items: center;
  gap: 14px;
}
.accordion__icon {
  flex-shrink: 0;
  width: 32px; height: 32px;
  border-radius: 8px;
  background: rgba(76,184,72,.15);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--green);
}
.accordion__icon svg { width: 16px; height: 16px; }
.accordion__chevron {
  width: 18px; height: 18px;
  flex-shrink: 0;
  color: rgba(255,255,255,.4);
  transition: transform .3s ease, color .3s;
}
.accordion__item.open .accordion__chevron { transform: rotate(180deg); color: var(--green); }
.accordion__body {
  overflow: hidden;
  max-height: 0;
  transition: max-height .35s ease, padding .35s ease;
  padding: 0 20px;
}
.accordion__item.open .accordion__body {
  max-height: 200px;
  padding: 0 20px 18px;
}
.accordion__body p { color: rgba(255,255,255,.55); font-size: .875rem; line-height: 1.75; }

/* ─────────────────────────────────────
   WHY FUNDLINK
───────────────────────────────────── */
.why__primary {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
  margin-bottom: 20px;
}
.why__secondary {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
}

.why-card {
  border: 1.5px solid var(--gray-200);
  border-radius: var(--radius-lg);
  padding: 32px 28px;
  transition: all .3s ease;
}
.why-card:hover { border-color: transparent; box-shadow: var(--shadow-lg); transform: translateY(-3px); }
.why-card--primary {
  background: var(--navy);
  border-color: var(--navy);
}
.why-card--primary:hover { border-color: var(--navy); }
.why-card--primary h4 { color: var(--white); }
.why-card--primary p  { color: rgba(255,255,255,.65); }
.why-card--primary .why-card__icon { background: rgba(255,255,255,.1); color: var(--white); }

.why-card__icon {
  width: 48px; height: 48px;
  border-radius: 12px;
  background: var(--gray-100);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 18px;
  color: var(--navy);
}
.why-card__icon svg { width: 22px; height: 22px; }
.why-card__icon--sm { width: 40px; height: 40px; }
.why-card:not(.why-card--primary) h4 { color: var(--navy); margin-bottom: 10px; font-size: 1.05rem; }
.why-card:not(.why-card--primary) p  { color: var(--gray-500); font-size: .9rem; line-height: 1.7; }

/* ─────────────────────────────────────
   HOW IT WORKS
───────────────────────────────────── */
.how { background: var(--white); }
.how__tabs {
  display: flex;
  justify-content: center;
  gap: 8px;
  margin-bottom: 52px;
}
.how__tab {
  padding: 10px 24px;
  border-radius: 8px;
  font-size: .9rem;
  font-weight: 600;
  cursor: pointer;
  border: 1.5px solid var(--gray-200);
  background: var(--white);
  color: var(--gray-600);
  transition: all var(--transition);
}
.how__tab--active,
.how__tab:hover { background: var(--navy); color: var(--white); border-color: var(--navy); }
.how__tab--active { background: var(--navy); color: var(--white); border-color: var(--navy); }

.how__flow--hidden { display: none; }

.how__steps {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0;
  flex-wrap: nowrap;
  margin-bottom: 32px;
}
.how__step {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 12px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 0 8px;
  position: relative;
}
.how__step-circle {
  width: 60px; height: 60px;
  border-radius: 50%;
  background: var(--gray-100);
  border: 2px solid var(--gray-200);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gray-500);
  transition: all .25s ease;
}
.how__step-circle svg { width: 22px; height: 22px; }
.how__step:hover .how__step-circle,
.how__step.active .how__step-circle {
  background: var(--navy);
  border-color: var(--navy);
  color: var(--white);
  box-shadow: 0 6px 20px rgba(27,46,80,.25);
}
.how__step-label {
  color: var(--gray-500);
  font-size: .78rem;
  font-weight: 600;
  text-align: center;
  max-width: 88px;
  transition: color .2s;
}
.how__step:hover .how__step-label,
.how__step.active .how__step-label { color: var(--navy); }

.how__step.active::after {
  content: '';
  position: absolute;
  bottom: -6px; left: 0; right: 0;
  height: 3px;
  background: var(--green);
  border-radius: 2px;
  transform-origin: left center;
  animation: stepTimer 3s linear forwards;
}
@keyframes stepTimer {
  from { transform: scaleX(0); }
  to   { transform: scaleX(1); }
}

.how__connector {
  flex: 1;
  height: 2px;
  background: var(--gray-200);
  min-width: 20px;
  max-width: 80px;
  margin-bottom: 32px;
}

.how__detail-panel {
  background: var(--gray-50);
  border: 1.5px solid var(--gray-200);
  border-radius: var(--radius);
  padding: 24px 28px;
  min-height: 80px;
  text-align: center;
  color: var(--gray-600);
  font-size: .95rem;
  line-height: 1.7;
  transition: all .3s ease;
}
.how__detail-panel.has-content { text-align: left; }
.how__detail-panel h5 { color: var(--navy); margin-bottom: 8px; }

/* ─────────────────────────────────────
   PRICING
───────────────────────────────────── */
.pricing-card {
  max-width: 600px;
  margin: 0 auto;
  background: var(--white);
  border: 1.5px solid var(--gray-200);
  border-radius: var(--radius-lg);
  padding: 52px 44px;
  text-align: center;
}
.pricing-card__icon {
  width: 56px; height: 56px;
  border-radius: 14px;
  background: var(--green-pale);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 22px;
  color: var(--green);
}
.pricing-card__icon svg { width: 26px; height: 26px; }
.pricing-card h3 { color: var(--navy); margin-bottom: 14px; }
.pricing-card p  { color: var(--gray-500); font-size: 1rem; line-height: 1.75; max-width: 420px; margin: 0 auto 32px; }
.pricing-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 10px;
  text-align: left;
  max-width: 320px;
  margin: 0 auto 36px;
}
.pricing-list li {
  display: flex;
  align-items: center;
  gap: 10px;
  color: var(--gray-700);
  font-size: .9rem;
  font-weight: 500;
}
.pricing-list li svg {
  width: 16px; height: 16px;
  flex-shrink: 0;
  color: var(--green);
}

/* ─────────────────────────────────────
   CTA BAND
───────────────────────────────────── */
.cta-band {
  background: var(--navy);
  padding: 96px 0;
  text-align: center;
}
.cta-band__inner h2 { color: var(--white); margin-bottom: 36px; }
.cta-band__btns {
  display: flex;
  gap: 16px;
  justify-content: center;
  flex-wrap: wrap;
}

/* ─────────────────────────────────────
   FOOTER
───────────────────────────────────── */
.footer { background: var(--navy-dark); padding: 72px 0 32px; }
.footer__top {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr 1fr;
  gap: 40px;
  margin-bottom: 52px;
}
.footer__brand { }
.footer__logo-wrap {
  display: inline-flex;
  background: #ffffff;
  border-radius: 10px;
  padding: 6px 12px;
  margin-bottom: 18px;
}
.footer__logo { height: 40px; display: block; }
.footer__brand p { color: rgba(255,255,255,.45); font-size: .875rem; line-height: 1.7; max-width: 260px; margin-bottom: 20px; }
.footer__contact { display: flex; flex-direction: column; gap: 10px; }
.footer__contact a {
  display: flex;
  align-items: center;
  gap: 8px;
  color: rgba(255,255,255,.5);
  font-size: .85rem;
  transition: color .2s;
}
.footer__contact a:hover { color: var(--green); }
.footer__contact svg { flex-shrink: 0; }

.footer__col h5 { color: var(--white); margin-bottom: 18px; letter-spacing: .04em; }
.footer__col ul { list-style: none; display: flex; flex-direction: column; gap: 10px; }
.footer__col ul a { color: rgba(255,255,255,.45); font-size: .85rem; transition: color .2s; }
.footer__col ul a:hover { color: var(--white); }

.footer__bottom {
  padding-top: 28px;
  border-top: 1px solid rgba(255,255,255,.07);
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 16px;
}
.footer__copy { color: rgba(255,255,255,.3); font-size: .8rem; }
.footer__socials { display: flex; gap: 10px; }
.social-btn {
  width: 34px; height: 34px;
  border-radius: 8px;
  border: 1px solid rgba(255,255,255,.1);
  background: rgba(255,255,255,.05);
  display: flex;
  align-items: center;
  justify-content: center;
  color: rgba(255,255,255,.4);
  transition: all .2s;
}
.social-btn svg { width: 16px; height: 16px; }
.social-btn:hover { background: var(--green); border-color: var(--green); color: var(--white); }

/* ─────────────────────────────────────
   MODAL
───────────────────────────────────── */
.modal-overlay {
  position: fixed;
  inset: 0;
  background: rgba(10,16,30,.75);
  z-index: 1000;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 24px;
  opacity: 0;
  pointer-events: none;
  transition: opacity .25s ease;
  backdrop-filter: blur(4px);
}
.modal-overlay.open { opacity: 1; pointer-events: all; }

.modal {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 40px;
  width: 100%;
  max-width: 560px;
  position: relative;
  transform: translateY(20px) scale(.97);
  transition: transform .3s ease;
  max-height: 90vh;
  overflow-y: auto;
}
.modal-overlay.open .modal { transform: translateY(0) scale(1); }

.modal__close {
  position: absolute;
  top: 16px; right: 16px;
  width: 32px; height: 32px;
  border-radius: 8px;
  background: var(--gray-100);
  border: none;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gray-500);
  cursor: pointer;
  transition: all .2s;
}
.modal__close svg { width: 16px; height: 16px; }
.modal__close:hover { background: var(--gray-200); color: var(--gray-900); }

.modal__head { margin-bottom: 28px; }
.modal__head h3 { color: var(--navy); margin-bottom: 6px; }
.modal__head p  { color: var(--gray-500); font-size: .9rem; }

.modal__form { display: flex; flex-direction: column; gap: 18px; }

.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-group { display: flex; flex-direction: column; gap: 6px; }
.form-group label { font-size: .8rem; font-weight: 600; color: var(--gray-700); }
.form-group .optional { font-weight: 400; color: var(--gray-400); }
.form-group input,
.form-group textarea {
  padding: 11px 14px;
  border: 1.5px solid var(--gray-200);
  border-radius: 8px;
  font-size: .9rem;
  color: var(--gray-900);
  background: var(--white);
  transition: border-color .2s;
  outline: none;
  resize: none;
}
.form-group input:focus,
.form-group textarea:focus { border-color: var(--navy); }
.form-group input::placeholder,
.form-group textarea::placeholder { color: var(--gray-400); }

.select-wrap { position: relative; }
.select-wrap select {
  width: 100%;
  padding: 11px 36px 11px 14px;
  border: 1.5px solid var(--gray-200);
  border-radius: 8px;
  font-size: .9rem;
  color: var(--gray-700);
  background: var(--white);
  outline: none;
  appearance: none;
  cursor: pointer;
  transition: border-color .2s;
}
.select-wrap select:focus { border-color: var(--navy); }
.select-arrow {
  position: absolute;
  right: 12px;
  top: 50%;
  transform: translateY(-50%);
  width: 16px; height: 16px;
  pointer-events: none;
  color: var(--gray-400);
}

.modal__success {
  text-align: center;
  padding: 20px 0;
}
.success-icon {
  width: 72px; height: 72px;
  border-radius: 50%;
  background: var(--green-pale);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 20px;
  color: var(--green);
}
.success-icon svg { width: 32px; height: 32px; }
.modal__success h3 { color: var(--navy); margin-bottom: 10px; }
.modal__success p  { color: var(--gray-500); margin-bottom: 28px; }

/* ─────────────────────────────────────
   SCROLL TO TOP
───────────────────────────────────── */
.scroll-top {
  position: fixed;
  bottom: 28px; right: 28px;
  width: 44px; height: 44px;
  border-radius: 50%;
  background: var(--navy);
  color: var(--white);
  border: none;
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  opacity: 0;
  transform: translateY(10px);
  transition: all .3s ease;
  z-index: 100;
  box-shadow: var(--shadow-md);
}
.scroll-top svg { width: 18px; height: 18px; }
.scroll-top.visible { opacity: 1; transform: translateY(0); }
.scroll-top:hover { background: var(--green); }

/* ─────────────────────────────────────
   FADE-UP ANIMATION
───────────────────────────────────── */
.fade-up {
  opacity: 0;
  transform: translateY(24px);
  transition: opacity .55s ease, transform .55s ease;
}
.fade-up.visible { opacity: 1; transform: translateY(0); }
.fade-up:nth-child(2) { transition-delay: .1s; }
.fade-up:nth-child(3) { transition-delay: .2s; }
.fade-up:nth-child(4) { transition-delay: .3s; }
.fade-up:nth-child(5) { transition-delay: .4s; }

/* ─────────────────────────────────────
   RESPONSIVE
───────────────────────────────────── */
@media (max-width: 1024px) {
  .feat-grid { grid-template-columns: repeat(2, 1fr); }
  .footer__top { grid-template-columns: 1fr 1fr 1fr; }
  .footer__brand { grid-column: 1 / -1; }
  .footer__brand p { max-width: none; }
}

@media (max-width: 768px) {
  .section { padding: 72px 0; }
  .hero { padding: 72px 0 100px; }
  .hero__inner { grid-template-columns: 1fr; gap: 44px; }
  .paths__grid { grid-template-columns: 1fr; }
  .feat-grid { grid-template-columns: 1fr; }
  .security__grid { grid-template-columns: 1fr; }
  .onboarding__grid { grid-template-columns: 1fr; gap: 44px; }
  .collections__inner { grid-template-columns: 1fr; gap: 44px; }
  .why__primary,
  .why__secondary { grid-template-columns: 1fr; }
  .footer__top { grid-template-columns: 1fr 1fr; gap: 28px; }
  .nav__links, .nav__cta { display: none; }
  .nav__links.mobile-open {
    display: flex;
    flex-direction: column;
    position: absolute;
    top: 66px; left: 0; right: 0;
    background: var(--white);
    border-bottom: 1px solid var(--gray-200);
    box-shadow: 0 8px 16px rgba(0,0,0,.06);
    padding: 16px 24px 24px;
    gap: 4px;
  }
  .nav__links.mobile-open li { width: 100%; }
  .nav__links.mobile-open .nav__link {
    display: block;
    padding: 10px 0;
    font-size: 1rem;
    color: var(--gray-600);
    border-bottom: 1px solid var(--gray-200);
  }
  .hamburger { display: flex; }
  .how__steps { flex-wrap: wrap; gap: 12px; }
  .how__connector { display: none; }
  .form-row { grid-template-columns: 1fr; }
  .modal { padding: 28px 20px; }
  .hero__visual { order: -1; }
}

@media (max-width: 480px) {
  .container { padding: 0 16px; }
  .hero__actions { flex-direction: column; }
  .cta-band__btns { flex-direction: column; align-items: center; }
  .feat-tabs { justify-content: flex-start; overflow-x: auto; flex-wrap: nowrap; padding-bottom: 8px; }
  .feat-tab { flex-shrink: 0; }
  .footer__top { grid-template-columns: 1fr; }
  .pricing-card { padding: 36px 24px; }
  .how__steps { justify-content: flex-start; }
}