/* ============================================
   0030 Payments - Global Styles
   Charcoal + Yellow / Bank-Sponsored Processing
   ============================================ */

@import url('https://fonts.googleapis.com/css2?family=Inter:wght@300;400;500;600;700;800;900&display=swap');

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

:root {
  --navy: #1C1C22;
  --navy-mid: #252530;
  --navy-light: #2E2E3A;

  --bg: #FFFFFF;
  --bg-alt: #F5F5F7;
  --bg-card: #FFFFFF;

  --text: #1C1C22;
  --text-sec: #4E4E5A;
  --text-muted: #8E8E96;

  --gold: #EAB308;
  --gold-dim: rgba(234, 179, 8, 0.1);
  --gold-hover: #CA9A06;

  --silver: #A0AEC0;
  --silver-dim: rgba(160, 174, 192, 0.1);

  --green: #34D399;
  --red: #F87171;
  --purple: #7C3AED;

  --border: rgba(15, 29, 47, 0.08);
  --border-hover: rgba(15, 29, 47, 0.16);

  --font: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;

  --xs: 0.75rem;
  --sm: 0.875rem;
  --base: 1rem;
  --md: 1.125rem;
  --lg: 1.375rem;
  --xl: 1.75rem;
  --2xl: 2.5rem;
  --3xl: 3.25rem;

  --sp-xs: 0.5rem;
  --sp-sm: 0.75rem;
  --sp-md: 1.25rem;
  --sp-lg: 2rem;
  --sp-xl: 3rem;
  --sp-2xl: 5rem;

  --max-w: 1140px;
  --radius: 8px;
  --radius-lg: 12px;
}

html { font-size: 16px; -webkit-font-smoothing: antialiased; scroll-behavior: smooth; }

body { font-family: var(--font); font-size: var(--base); line-height: 1.7; color: var(--text-sec); background: var(--bg); }

::selection { background: var(--gold); color: var(--navy); }

img { max-width: 100%; display: block; }
a { color: var(--gold); text-decoration: none; transition: color 0.2s; }
a:hover { color: var(--gold-hover); }

h1, h2, h3, h4 { font-family: var(--font); color: var(--text); line-height: 1.15; letter-spacing: -0.03em; font-weight: 800; }
h1 { font-size: var(--3xl); }
h2 { font-size: var(--2xl); margin-bottom: var(--sp-md); }
h3 { font-size: var(--lg); font-weight: 700; margin-bottom: var(--sp-sm); letter-spacing: -0.02em; }
p { margin-bottom: var(--sp-md); }
p:last-child { margin-bottom: 0; }

.container { max-width: var(--max-w); margin: 0 auto; padding: 0 var(--sp-md); }
section { padding: var(--sp-2xl) 0; }
.section-alt { background: var(--bg-alt); }

.label { display: inline-block; font-size: var(--xs); font-weight: 700; text-transform: uppercase; letter-spacing: 0.12em; color: var(--gold); margin-bottom: var(--sp-sm); }
.label--tag { background: var(--gold-dim); padding: 4px 12px; border-radius: 100px; }

/* ---- Nav ---- */
.nav { position: sticky; top: 0; z-index: 100; background: rgba(15,29,47,0.95); backdrop-filter: blur(16px); -webkit-backdrop-filter: blur(16px); border-bottom: 1px solid rgba(255,255,255,0.08); }
.nav__inner { display: flex; align-items: center; justify-content: space-between; height: 64px; max-width: var(--max-w); margin: 0 auto; padding: 0 var(--sp-md); }
.nav__logo { display: flex; align-items: center; gap: var(--sp-sm); text-decoration: none; color: #fff; }
.nav__logo-text { font-weight: 800; font-size: var(--sm); letter-spacing: 0.06em; text-transform: uppercase; color: #fff; }
.nav__links { display: flex; align-items: center; gap: var(--sp-lg); list-style: none; }
.nav__links a { font-size: var(--xs); font-weight: 500; color: rgba(255,255,255,0.55); text-decoration: none; text-transform: uppercase; letter-spacing: 0.06em; transition: color 0.2s; }
.nav__links a:hover, .nav__links a.active { color: #fff; }
.nav__cta { font-size: var(--xs) !important; font-weight: 700 !important; color: #1C1C22 !important; background: var(--gold) !important; padding: 6px 16px; border-radius: 4px; transition: all 0.2s !important; }
.nav__cta:hover { background: var(--gold-hover) !important; }
.nav__mobile-toggle { display: none; background: none; border: none; cursor: pointer; padding: var(--sp-xs); }
.nav__mobile-toggle span { display: block; width: 22px; height: 2px; background: #fff; margin: 5px 0; transition: all 0.3s; }

/* ---- Hero ---- */
.hero { padding: var(--sp-2xl) 0; background: var(--navy); position: relative; overflow: hidden; }
.hero::before { content: ''; position: absolute; top: -200px; right: -100px; width: 500px; height: 500px; background: radial-gradient(circle, rgba(234,179,8,0.1) 0%, transparent 70%); pointer-events: none; }
.hero__inner { display: grid; grid-template-columns: 1fr 1fr; gap: var(--sp-xl); align-items: center; }
.hero__content { position: relative; z-index: 1; }
.hero h1 { margin-bottom: var(--sp-md); color: #fff; }
.hero .label { color: var(--gold); }
.hero__sub { font-size: var(--md); color: rgba(255,255,255,0.65); line-height: 1.7; margin-bottom: var(--sp-lg); max-width: 520px; }

/* Credit Card Mockup */
.card-mockup { position: relative; width: 340px; height: 210px; background: linear-gradient(135deg, #2E2E3A 0%, #1C1C22 50%, #2E2E3A 100%); border-radius: 16px; padding: 28px; border: 1px solid rgba(255,255,255,0.1); box-shadow: 0 20px 60px rgba(0,0,0,0.3); margin: 0 auto; }
.card-mockup__chip { width: 40px; height: 30px; background: linear-gradient(135deg, #EAB308 0%, #FDE047 100%); border-radius: 6px; margin-bottom: 24px; }
.card-mockup__number { font-size: 18px; font-weight: 600; color: rgba(255,255,255,0.7); letter-spacing: 0.15em; margin-bottom: 16px; font-family: monospace; }
.card-mockup__bottom { display: flex; justify-content: space-between; align-items: flex-end; }
.card-mockup__name { font-size: 11px; font-weight: 600; text-transform: uppercase; letter-spacing: 0.1em; color: rgba(255,255,255,0.5); }
.card-mockup__brand { font-size: 20px; font-weight: 800; color: var(--gold); letter-spacing: -0.02em; }
.card-mockup__tags { display: flex; gap: 8px; margin-top: var(--sp-md); justify-content: center; }
.card-mockup__tag { font-size: 10px; font-weight: 600; text-transform: uppercase; letter-spacing: 0.06em; color: rgba(255,255,255,0.5); background: rgba(255,255,255,0.06); padding: 4px 10px; border-radius: 100px; }

/* Stats Bar */
.stats-bar { display: grid; grid-template-columns: repeat(4, 1fr); gap: var(--sp-md); padding: var(--sp-lg) 0; border-top: 1px solid rgba(255,255,255,0.08); margin-top: var(--sp-xl); }
.stats-bar__value { font-size: var(--xl); font-weight: 800; color: #fff; letter-spacing: -0.03em; line-height: 1; }
.stats-bar__label { font-size: var(--xs); color: rgba(255,255,255,0.4); text-transform: uppercase; letter-spacing: 0.06em; margin-top: 4px; }

/* ---- Buttons ---- */
.btn { display: inline-block; font-family: var(--font); font-size: var(--xs); font-weight: 700; text-transform: uppercase; letter-spacing: 0.08em; padding: 14px 28px; border: none; cursor: pointer; transition: all 0.2s; text-decoration: none; border-radius: 4px; }
.btn--gold { background: var(--gold); color: var(--navy); }
.btn--gold:hover { background: var(--gold-hover); color: var(--navy); }
.btn--outline { background: transparent; color: var(--text); border: 1px solid var(--border-hover); }
.btn--outline:hover { border-color: var(--gold); color: var(--gold); }
.btn--outline-light { background: transparent; color: #fff; border: 1px solid rgba(255,255,255,0.2); }
.btn--outline-light:hover { border-color: var(--gold); color: var(--gold); }
.btn--ghost { background: transparent; color: var(--gold); padding: 14px 0; }
.btn--ghost:hover { color: var(--gold-hover); }
.btn--ghost::after { content: ' \2192'; }
.btn-group { display: flex; gap: var(--sp-md); flex-wrap: wrap; }

/* ---- Grid ---- */
.grid { display: grid; gap: var(--sp-md); }
.grid--2 { grid-template-columns: repeat(2, 1fr); }
.grid--3 { grid-template-columns: repeat(3, 1fr); }
.grid--4 { grid-template-columns: repeat(4, 1fr); }

/* ---- Cards ---- */
.card { background: var(--bg-card); border: 1px solid var(--border); border-radius: var(--radius-lg); padding: var(--sp-lg); transition: border-color 0.2s, box-shadow 0.2s; }
.card:hover { border-color: var(--border-hover); box-shadow: 0 2px 8px rgba(0,0,0,0.04); }
.card__label { display: inline-block; font-size: 0.65rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.1em; color: var(--gold); background: var(--gold-dim); padding: 3px 10px; border-radius: 100px; margin-bottom: var(--sp-sm); }
.card h3 { color: var(--text); }
.card p { font-size: var(--sm); }
.card__link { display: inline-block; margin-top: var(--sp-md); font-size: var(--xs); font-weight: 600; color: var(--gold); text-transform: uppercase; letter-spacing: 0.04em; }
.card__link::after { content: ' \2192'; }

/* ---- Audience Cards ---- */
.audience-card { background: var(--bg-card); border: 1px solid var(--border); border-radius: var(--radius-lg); padding: var(--sp-xl); text-align: center; transition: border-color 0.2s, box-shadow 0.2s; }
.audience-card:hover { border-color: var(--gold); box-shadow: 0 4px 16px rgba(212,160,23,0.08); }
.audience-card__icon { width: 56px; height: 56px; border-radius: 50%; display: flex; align-items: center; justify-content: center; margin: 0 auto var(--sp-md); font-size: 24px; }
.audience-card h3 { font-size: var(--md); }
.audience-card p { font-size: var(--sm); color: var(--text-sec); }

/* ---- Section Header ---- */
.section-header { margin-bottom: var(--sp-xl); }
.section-header--center { text-align: center; }
.section-header p { max-width: 560px; }
.section-header--center p { margin-left: auto; margin-right: auto; }

/* ---- Navy Sections ---- */
.section-navy { background: var(--navy); color: #fff; }
.section-navy h1, .section-navy h2, .section-navy h3 { color: #fff; }
.section-navy p { color: rgba(255,255,255,0.65); }
.section-navy .label { color: var(--gold); }
.section-navy .card, .section-navy .audience-card { background: rgba(255,255,255,0.05); border-color: rgba(255,255,255,0.08); }
.section-navy .card:hover, .section-navy .audience-card:hover { background: rgba(255,255,255,0.08); border-color: rgba(201,168,76,0.3); }
.section-navy .card h3, .section-navy .audience-card h3 { color: #fff; }
.section-navy .card p, .section-navy .audience-card p { color: rgba(255,255,255,0.6); }
.section-navy .stats-bar__value { color: #fff; }
.section-navy .stats-bar__label { color: rgba(255,255,255,0.4); }

/* ---- CTA Banner ---- */
.cta-banner { background: var(--bg-card); border: 1px solid var(--border); border-radius: var(--radius-lg); padding: var(--sp-xl); display: flex; align-items: center; justify-content: space-between; gap: var(--sp-lg); }
.cta-banner h3 { font-size: var(--lg); margin-bottom: var(--sp-xs); }
.cta-banner p { font-size: var(--sm); margin-bottom: 0; }

/* ---- Client Logos ---- */
.client-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: var(--sp-md); }
.client-card { background: var(--bg-card); border: 1px solid var(--border); border-radius: var(--radius-lg); padding: var(--sp-lg); text-align: center; transition: border-color 0.2s; }
.client-card:hover { border-color: var(--gold); }
.client-card__name { font-weight: 800; font-size: var(--base); color: var(--text); margin-bottom: 4px; }
.client-card__type { font-size: var(--xs); color: var(--text-muted); text-transform: uppercase; letter-spacing: 0.06em; }

/* ---- Vertical Tags ---- */
.vertical-tags { display: flex; flex-wrap: wrap; gap: 8px; }
.vertical-tag { font-size: var(--xs); font-weight: 500; padding: 6px 16px; border-radius: 100px; border: 1px solid var(--border); color: var(--text-sec); transition: all 0.2s; }
.vertical-tag:hover { border-color: var(--gold); color: var(--gold); }
.vertical-tag--risk { border-color: rgba(212,160,23,0.3); color: var(--gold); background: var(--gold-dim); }

/* ---- Pricing Table ---- */
.pricing-table { width: 100%; border-collapse: collapse; }
.pricing-table th { font-size: var(--xs); font-weight: 700; text-transform: uppercase; letter-spacing: 0.06em; color: var(--text-muted); text-align: left; padding: 12px 0; border-bottom: 2px solid var(--border); }
.pricing-table td { padding: 12px 0; border-bottom: 1px solid var(--border); font-size: var(--sm); color: var(--text); }
.pricing-table td:last-child { text-align: right; font-weight: 600; }

/* ---- Two Column ---- */
.two-col { display: grid; grid-template-columns: 1fr 1fr; gap: var(--sp-xl); align-items: start; }

/* ---- Forms ---- */
.form-group { margin-bottom: var(--sp-md); }
.form-group label { display: block; font-size: var(--xs); font-weight: 700; text-transform: uppercase; letter-spacing: 0.06em; color: var(--text); margin-bottom: var(--sp-xs); }
.form-group input, .form-group textarea, .form-group select { width: 100%; padding: 12px 16px; font-family: var(--font); font-size: var(--sm); color: var(--text); background: var(--bg); border: 1px solid var(--border); border-radius: var(--radius); transition: border-color 0.2s; outline: none; }
.form-group input:focus, .form-group textarea:focus, .form-group select:focus { border-color: var(--gold); }
.form-group textarea { min-height: 120px; resize: vertical; }
.form-group select { appearance: none; background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 12 12'%3E%3Cpath fill='%238A94A6' d='M6 8L1 3h10z'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 16px center; padding-right: 40px; }
.form-success { display: none; padding: var(--sp-lg); background: var(--bg-alt); border: 1px solid var(--border); border-radius: var(--radius-lg); text-align: center; }
.form-success.visible { display: block; }
.form-success p { color: var(--text); font-weight: 500; }

/* ---- Page Header ---- */
.page-header { padding: var(--sp-2xl) 0 var(--sp-xl); background: var(--navy); }
.page-header h1 { margin-bottom: var(--sp-sm); color: #fff; }
.page-header p { max-width: 560px; font-size: var(--md); color: rgba(255,255,255,0.6); }
.page-header .label { color: var(--gold); }

/* ---- Footer ---- */
.footer { background: var(--navy); padding: var(--sp-xl) 0; }
.footer__inner { display: flex; align-items: start; justify-content: space-between; gap: var(--sp-lg); }
.footer__brand { max-width: 320px; }
.footer__brand-name { font-weight: 800; font-size: var(--sm); text-transform: uppercase; letter-spacing: 0.06em; color: #fff; margin-bottom: var(--sp-sm); }
.footer__brand p { font-size: var(--xs); color: rgba(255,255,255,0.4); line-height: 1.6; }
.footer__links-group h4 { font-size: var(--xs); font-weight: 700; text-transform: uppercase; letter-spacing: 0.08em; color: #fff; margin-bottom: var(--sp-sm); }
.footer__links { list-style: none; }
.footer__links li { margin-bottom: var(--sp-xs); }
.footer__links a { font-size: var(--xs); color: rgba(255,255,255,0.4); text-decoration: none; transition: color 0.2s; }
.footer__links a:hover { color: var(--gold); }
.footer__bottom { margin-top: var(--sp-xl); padding-top: var(--sp-lg); border-top: 1px solid rgba(255,255,255,0.08); display: flex; justify-content: space-between; align-items: center; }
.footer__copy { font-size: var(--xs); color: rgba(255,255,255,0.3); }
.footer__legal { display: flex; gap: var(--sp-md); }
.footer__legal a { font-size: var(--xs); color: rgba(255,255,255,0.3); }
.footer__legal a:hover { color: var(--gold); }
.footer__arrowhead { font-size: var(--xs); color: rgba(255,255,255,0.3); margin-top: var(--sp-sm); }
.footer__arrowhead a { color: var(--gold); }

/* ---- Responsive ---- */
@media (max-width: 900px) {
  h1 { font-size: var(--2xl); }
  h2 { font-size: var(--xl); }
  section { padding: var(--sp-xl) 0; }
  .grid--2, .grid--3, .grid--4, .client-grid { grid-template-columns: 1fr; }
  .two-col { grid-template-columns: 1fr; }
  .hero__inner { grid-template-columns: 1fr; }
  .card-mockup { width: 280px; height: 172px; padding: 20px; }
  .card-mockup__number { font-size: 15px; }
  .stats-bar { grid-template-columns: repeat(2, 1fr); }
  .cta-banner { flex-direction: column; text-align: center; }
  .footer__inner { flex-direction: column; gap: var(--sp-xl); }
  .footer__bottom { flex-direction: column; gap: var(--sp-sm); text-align: center; }
  .nav__links { display: none; position: fixed; top: 64px; left: 0; right: 0; bottom: 0; background: rgba(15,29,47,0.98); backdrop-filter: blur(16px); flex-direction: column; padding: var(--sp-xl) var(--sp-md); gap: var(--sp-lg); overflow-y: auto; }
  .nav__links.open { display: flex; }
  .nav__links a { font-size: var(--base); }
  .nav__mobile-toggle { display: block; }
}

@media (max-width: 480px) {
  :root { --3xl: 2.25rem; --2xl: 1.75rem; }
  .container { padding: 0 var(--sp-sm); }
  .stats-bar { grid-template-columns: 1fr 1fr; }
  .client-grid { grid-template-columns: 1fr 1fr; }
}