/* ========================================================
   SwiftPay — Card to Card Transfer Platform
   Core Stylesheet · Mobile-First
   ======================================================== */

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

:root {
  /* Brand palette */
  --sp-navy: #0B1D35;
  --sp-navy-mid: #132D50;
  --sp-blue: #1565C0;
  --sp-blue-light: #42A5F5;
  --sp-teal: #00897B;
  --sp-teal-soft: #E0F2F1;
  --sp-green: #2E7D32;
  --sp-green-light: #66BB6A;
  --sp-amber: #F9A825;
  --sp-amber-soft: #FFF8E1;
  --sp-red: #D32F2F;
  --sp-red-soft: #FFEBEE;

  /* Neutrals */
  --sp-white: #FFFFFF;
  --sp-off-white: #F5F7FA;
  --sp-gray-50: #FAFBFC;
  --sp-gray-100: #F0F2F5;
  --sp-gray-200: #E4E7EC;
  --sp-gray-300: #CDD3DB;
  --sp-gray-400: #98A2B3;
  --sp-gray-500: #667085;
  --sp-gray-600: #475467;
  --sp-gray-700: #344054;
  --sp-gray-800: #1D2939;

  /* Gradients */
  --sp-grad-hero: linear-gradient(145deg, #0B1D35 0%, #1565C0 100%);
  --sp-grad-card: linear-gradient(135deg, #1565C0 0%, #00897B 100%);
  --sp-grad-accent: linear-gradient(90deg, #F9A825 0%, #FF8F00 100%);
  --sp-grad-cta: linear-gradient(135deg, #00897B 0%, #2E7D32 100%);

  /* Typography */
  --ff-heading: 'DM Sans', -apple-system, BlinkMacSystemFont, sans-serif;
  --ff-body: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
  --ff-mono: 'JetBrains Mono', 'Fira Code', monospace;

  /* Spacing scale */
  --sp-1: 4px;
  --sp-2: 8px;
  --sp-3: 12px;
  --sp-4: 16px;
  --sp-5: 20px;
  --sp-6: 24px;
  --sp-7: 32px;
  --sp-8: 40px;
  --sp-9: 48px;
  --sp-10: 56px;
  --sp-11: 64px;
  --sp-12: 80px;
  --sp-13: 96px;
  --sp-14: 128px;

  /* Borders & Radius */
  --radius-sm: 6px;
  --radius-md: 10px;
  --radius-lg: 16px;
  --radius-xl: 24px;
  --radius-full: 9999px;

  /* Shadows */
  --shadow-xs: 0 1px 2px rgba(11,29,53,0.05);
  --shadow-sm: 0 1px 3px rgba(11,29,53,0.08), 0 1px 2px rgba(11,29,53,0.06);
  --shadow-md: 0 4px 8px -2px rgba(11,29,53,0.08), 0 2px 4px -2px rgba(11,29,53,0.06);
  --shadow-lg: 0 12px 24px -4px rgba(11,29,53,0.1), 0 4px 8px -2px rgba(11,29,53,0.06);
  --shadow-xl: 0 20px 40px -8px rgba(11,29,53,0.14), 0 8px 16px -4px rgba(11,29,53,0.08);
  --shadow-card: 0 2px 8px rgba(11,29,53,0.06), 0 0 1px rgba(11,29,53,0.12);
  --shadow-card-hover: 0 8px 24px rgba(11,29,53,0.1), 0 2px 8px rgba(11,29,53,0.06);
  --shadow-input-focus: 0 0 0 3px rgba(21,101,192,0.15);

  /* Transitions */
  --ease-out: cubic-bezier(0.33, 1, 0.68, 1);
  --ease-in-out: cubic-bezier(0.65, 0, 0.35, 1);
  --dur-fast: 150ms;
  --dur-normal: 250ms;
  --dur-slow: 400ms;

  /* Layout */
  --header-h: 64px;
  --container-max: 1200px;
  --container-narrow: 720px;
}

html {
  font-size: 16px;
  scroll-behavior: smooth;
  -webkit-text-size-adjust: 100%;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

body {
  font-family: var(--ff-body);
  font-size: 1rem;
  line-height: 1.6;
  color: var(--sp-gray-700);
  background-color: var(--sp-off-white);
  overflow-x: hidden;
}

img, svg { display: block; max-width: 100%; }
a { color: var(--sp-blue); text-decoration: none; transition: color var(--dur-fast) var(--ease-out); }
a:hover { color: var(--sp-teal); }
button { cursor: pointer; font-family: inherit; }
input, select, textarea { font-family: inherit; }

h1, h2, h3, h4, h5, h6 {
  font-family: var(--ff-heading);
  font-weight: 700;
  line-height: 1.25;
  color: var(--sp-navy);
}

/* --- Utility --- */
.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;
}

.container {
  width: 100%;
  max-width: var(--container-max);
  margin: 0 auto;
  padding: 0 var(--sp-4);
}

.container--narrow {
  max-width: var(--container-narrow);
}

.section-pad {
  padding: var(--sp-12) 0;
}

.text-center { text-align: center; }

.badge {
  display: inline-flex;
  align-items: center;
  gap: var(--sp-1);
  padding: var(--sp-1) var(--sp-3);
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.02em;
  border-radius: var(--radius-full);
}

.badge--teal {
  background: var(--sp-teal-soft);
  color: var(--sp-teal);
}

.badge--amber {
  background: var(--sp-amber-soft);
  color: #E65100;
}


/* =======================
   HEADER & NAVIGATION
   ======================= */
.site-header {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  height: var(--header-h);
  background: rgba(255,255,255,0.92);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--sp-gray-200);
  transition: box-shadow var(--dur-normal) var(--ease-out);
}

.site-header.scrolled {
  box-shadow: var(--shadow-md);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 100%;
  max-width: var(--container-max);
  margin: 0 auto;
  padding: 0 var(--sp-4);
}

/* Logo */
.logo {
  display: flex;
  align-items: center;
  gap: var(--sp-2);
  font-family: var(--ff-heading);
  font-size: 1.35rem;
  font-weight: 800;
  color: var(--sp-navy);
  letter-spacing: -0.02em;
  text-decoration: none;
  z-index: 1001;
}

.logo:hover { color: var(--sp-navy); }

.logo-icon {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 32px;
  height: 32px;
  background: var(--sp-blue);
  border-radius: 8px;
  flex-shrink: 0;
}

.logo-icon svg {
  width: 22px;
  height: 22px;
}

/* Mobile menu toggle */
.nav-toggle {
  display: flex;
  flex-direction: column;
  justify-content: center;
  gap: 5px;
  width: 32px;
  height: 32px;
  background: none;
  border: none;
  padding: 4px;
  z-index: 1001;
}

.nav-toggle span {
  display: block;
  height: 2px;
  width: 100%;
  background: var(--sp-navy);
  border-radius: 2px;
  transition: transform var(--dur-normal) var(--ease-out), opacity var(--dur-fast);
  transform-origin: center;
}

.nav-toggle.active span:first-child {
  transform: translateY(7px) rotate(45deg);
}

.nav-toggle.active span:nth-child(2) {
  opacity: 0;
}

.nav-toggle.active span:last-child {
  transform: translateY(-7px) rotate(-45deg);
}

/* Navigation */
.main-nav {
  position: fixed;
  top: 0;
  right: -100%;
  width: 85%;
  max-width: 360px;
  height: 100vh;
  height: 100dvh;
  background: var(--sp-white);
  box-shadow: var(--shadow-xl);
  padding: calc(var(--header-h) + var(--sp-6)) var(--sp-6) var(--sp-6);
  transition: right var(--dur-slow) var(--ease-in-out);
  overflow-y: auto;
  z-index: 999;
}

.main-nav.open {
  right: 0;
}

.nav-overlay {
  position: fixed;
  inset: 0;
  background: rgba(11,29,53,0.4);
  opacity: 0;
  visibility: hidden;
  transition: opacity var(--dur-slow) var(--ease-out), visibility var(--dur-slow);
  z-index: 998;
}

.nav-overlay.visible {
  opacity: 1;
  visibility: visible;
}

.nav-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: var(--sp-1);
}

.nav-list a {
  display: flex;
  align-items: center;
  gap: var(--sp-3);
  padding: var(--sp-3) var(--sp-4);
  color: var(--sp-gray-700);
  font-weight: 500;
  font-size: 0.95rem;
  border-radius: var(--radius-md);
  transition: background var(--dur-fast), color var(--dur-fast);
}

.nav-list a:hover,
.nav-list a.active {
  background: var(--sp-gray-50);
  color: var(--sp-blue);
}

.nav-list .nav-cta a.btn:hover,
.nav-list .nav-cta a.btn {
  background: var(--sp-blue);
  color: #FFFFFF;
}

.nav-list .nav-cta a.btn:hover {
  background: var(--sp-navy-mid);
}

.nav-list a svg {
  width: 20px;
  height: 20px;
  flex-shrink: 0;
  opacity: 0.55;
}

.nav-list a:hover svg,
.nav-list a.active svg {
  opacity: 1;
}

/* Dropdown in nav */
.nav-dropdown {
  position: relative;
}

.nav-dropdown-trigger {
  display: flex;
  align-items: center;
  justify-content: space-between;
  width: 100%;
  padding: var(--sp-3) var(--sp-4);
  background: none;
  border: none;
  color: var(--sp-gray-700);
  font-weight: 500;
  font-size: 0.95rem;
  border-radius: var(--radius-md);
  transition: background var(--dur-fast), color var(--dur-fast);
}

.nav-dropdown-trigger:hover {
  background: var(--sp-gray-50);
  color: var(--sp-blue);
}

.nav-dropdown-trigger .chevron {
  width: 16px;
  height: 16px;
  transition: transform var(--dur-normal) var(--ease-out);
}

.nav-dropdown.expanded .chevron {
  transform: rotate(180deg);
}

.nav-dropdown-menu {
  display: none;
  padding-left: var(--sp-6);
}

.nav-dropdown.expanded .nav-dropdown-menu {
  display: block;
}

.nav-dropdown-menu a {
  font-size: 0.88rem;
  padding: var(--sp-2) var(--sp-4);
  color: var(--sp-gray-500);
}

.nav-cta {
  margin-top: var(--sp-5);
}

.nav-cta .btn--primary {
  color: #FFFFFF;
  background: var(--sp-blue);
}

.nav-cta .btn--primary:hover {
  color: #FFFFFF;
  background: var(--sp-navy-mid);
}


/* =======================
   BUTTONS
   ======================= */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: var(--sp-2);
  padding: var(--sp-3) var(--sp-6);
  font-family: var(--ff-heading);
  font-size: 0.92rem;
  font-weight: 600;
  border: 2px solid transparent;
  border-radius: var(--radius-md);
  transition: all var(--dur-normal) var(--ease-out);
  white-space: nowrap;
  text-decoration: none;
  line-height: 1.4;
}

.btn svg {
  width: 18px;
  height: 18px;
  flex-shrink: 0;
}

.btn--primary {
  background: var(--sp-blue);
  color: var(--sp-white);
  border-color: transparent;
  box-shadow: 0 2px 8px rgba(21,101,192,0.3);
}

.btn--primary:hover {
  background: var(--sp-navy-mid);
  transform: translateY(-1px);
  box-shadow: 0 6px 20px rgba(21,101,192,0.4);
  color: var(--sp-white);
}

.btn--secondary {
  background: var(--sp-white);
  color: var(--sp-navy);
  border-color: var(--sp-gray-200);
}

.btn--secondary:hover {
  border-color: var(--sp-blue);
  color: var(--sp-blue);
  transform: translateY(-1px);
  box-shadow: var(--shadow-sm);
}

.btn--outline {
  background: transparent;
  color: var(--sp-white);
  border-color: rgba(255,255,255,0.35);
}

.btn--outline:hover {
  background: rgba(255,255,255,0.1);
  border-color: rgba(255,255,255,0.7);
  color: var(--sp-white);
}

.btn--large {
  padding: var(--sp-4) var(--sp-8);
  font-size: 1rem;
  border-radius: var(--radius-lg);
}

.btn--block {
  display: flex;
  width: 100%;
}

.btn--ghost {
  background: none;
  color: var(--sp-blue);
  border: none;
  padding: var(--sp-2) var(--sp-3);
}

.btn--ghost:hover {
  background: rgba(21,101,192,0.06);
}

.btn:disabled, .btn.loading {
  pointer-events: none;
}

.btn.loading {
  position: relative;
  color: transparent !important;
}

.btn.loading .btn-text {
  visibility: hidden;
}

.btn.loading::after {
  content: '';
  position: absolute;
  inset: 0;
  margin: auto;
  width: 20px;
  height: 20px;
  border: 2.5px solid rgba(255,255,255,0.3);
  border-top-color: var(--sp-white);
  border-radius: 50%;
  animation: spin 0.6s linear infinite;
}

.btn--secondary.loading::after {
  border-color: rgba(11,29,53,0.15);
  border-top-color: var(--sp-navy);
}

@keyframes spin {
  to { transform: rotate(360deg); }
}


/* =======================
   FORM ELEMENTS
   ======================= */
.form-group {
  position: relative;
  margin-bottom: var(--sp-3);
}

.form-label {
  display: block;
  margin-bottom: var(--sp-1);
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--sp-gray-700);
  letter-spacing: 0.01em;
}

.form-label .required {
  color: var(--sp-red);
  margin-left: 2px;
}

.form-input {
  width: 100%;
  padding: 10px var(--sp-3);
  font-size: 0.92rem;
  color: var(--sp-gray-800);
  background: var(--sp-white);
  border: 1.5px solid var(--sp-gray-200);
  border-radius: var(--radius-md);
  outline: none;
  transition: border-color var(--dur-fast), box-shadow var(--dur-fast);
  -webkit-appearance: none;
}

.form-input::placeholder {
  color: var(--sp-gray-400);
}

.form-input:focus {
  border-color: var(--sp-blue);
  box-shadow: var(--shadow-input-focus);
}

.form-input.error {
  border-color: var(--sp-red);
  box-shadow: 0 0 0 3px rgba(211,47,47,0.1);
}

.form-input.success {
  border-color: var(--sp-green);
}

.form-hint {
  margin-top: var(--sp-1);
  font-size: 0.78rem;
  color: var(--sp-gray-400);
}

.form-error {
  margin-top: var(--sp-1);
  font-size: 0.78rem;
  color: var(--sp-red);
  display: none;
}

.form-group.has-error .form-error {
  display: block;
}

/* Floating label variant */
.form-floating {
  position: relative;
}

.form-floating .form-input {
  padding-top: var(--sp-5);
  padding-bottom: var(--sp-1);
}

.form-floating .float-label {
  position: absolute;
  top: 50%;
  left: var(--sp-4);
  transform: translateY(-50%);
  font-size: 0.95rem;
  color: var(--sp-gray-400);
  pointer-events: none;
  transition: all var(--dur-fast) var(--ease-out);
  transform-origin: left;
}

.form-floating .form-input:focus ~ .float-label,
.form-floating .form-input:not(:placeholder-shown) ~ .float-label {
  top: var(--sp-3);
  transform: translateY(0) scale(0.78);
  color: var(--sp-blue);
  font-weight: 600;
}

/* Input with icon */
.input-icon-wrap {
  position: relative;
}

.input-icon-wrap .form-input {
  padding-left: var(--sp-10);
}

.input-icon {
  position: absolute;
  left: var(--sp-4);
  top: 50%;
  transform: translateY(-50%);
  width: 20px;
  height: 20px;
  color: var(--sp-gray-400);
  pointer-events: none;
}

.input-icon-wrap .form-input:focus ~ .input-icon {
  color: var(--sp-blue);
}

/* Input with suffix (like card brand) */
.input-suffix {
  position: absolute;
  right: var(--sp-3);
  top: 50%;
  transform: translateY(-50%);
  pointer-events: none;
}

/* Custom select */
.select-wrap {
  position: relative;
}

.select-wrap select {
  width: 100%;
  padding: 10px var(--sp-9) 10px var(--sp-3);
  font-size: 0.92rem;
  color: var(--sp-gray-800);
  background: var(--sp-white);
  border: 1.5px solid var(--sp-gray-200);
  border-radius: var(--radius-md);
  outline: none;
  -webkit-appearance: none;
  -moz-appearance: none;
  appearance: none;
  cursor: pointer;
  transition: border-color var(--dur-fast), box-shadow var(--dur-fast);
}

.select-wrap select:focus {
  border-color: var(--sp-blue);
  box-shadow: var(--shadow-input-focus);
}

.select-wrap::after {
  content: '';
  position: absolute;
  right: var(--sp-4);
  top: 50%;
  transform: translateY(-50%);
  width: 0;
  height: 0;
  border-left: 5px solid transparent;
  border-right: 5px solid transparent;
  border-top: 6px solid var(--sp-gray-400);
  pointer-events: none;
}

/* Custom dropdown */
.custom-dropdown {
  position: relative;
}

.dropdown-selected {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 10px var(--sp-3);
  background: var(--sp-white);
  border: 1.5px solid var(--sp-gray-200);
  border-radius: var(--radius-md);
  cursor: pointer;
  transition: border-color var(--dur-fast), box-shadow var(--dur-fast);
  user-select: none;
}

.dropdown-selected:hover {
  border-color: var(--sp-gray-300);
}

.dropdown-selected.focused {
  border-color: var(--sp-blue);
  box-shadow: var(--shadow-input-focus);
}

.dropdown-selected-value {
  display: flex;
  align-items: center;
  gap: var(--sp-2);
  font-size: 0.95rem;
  color: var(--sp-gray-800);
}

.dropdown-selected-value img,
.dropdown-selected-value .flag-emoji {
  width: 22px;
  height: 16px;
  border-radius: 2px;
  object-fit: cover;
}

.dropdown-arrow {
  width: 16px;
  height: 16px;
  color: var(--sp-gray-400);
  transition: transform var(--dur-normal) var(--ease-out);
}

.custom-dropdown.open .dropdown-arrow {
  transform: rotate(180deg);
}

.dropdown-panel {
  position: absolute;
  top: calc(100% + var(--sp-1));
  left: 0;
  right: 0;
  background: var(--sp-white);
  border: 1px solid var(--sp-gray-200);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-lg);
  z-index: 100;
  opacity: 0;
  visibility: hidden;
  transform: translateY(-8px);
  transition: all var(--dur-normal) var(--ease-out);
  max-height: 240px;
  overflow-y: auto;
}

.custom-dropdown.open .dropdown-panel {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}

.dropdown-search {
  position: sticky;
  top: 0;
  padding: var(--sp-2);
  background: var(--sp-white);
  border-bottom: 1px solid var(--sp-gray-100);
}

.dropdown-search input {
  width: 100%;
  padding: var(--sp-2) var(--sp-3);
  border: 1px solid var(--sp-gray-200);
  border-radius: var(--radius-sm);
  font-size: 0.85rem;
  outline: none;
}

.dropdown-search input:focus {
  border-color: var(--sp-blue);
}

.dropdown-option {
  display: flex;
  align-items: center;
  gap: var(--sp-3);
  padding: var(--sp-3) var(--sp-4);
  cursor: pointer;
  font-size: 0.9rem;
  color: var(--sp-gray-700);
  transition: background var(--dur-fast);
}

.dropdown-option:hover {
  background: var(--sp-gray-50);
}

.dropdown-option.selected {
  background: rgba(21,101,192,0.06);
  color: var(--sp-blue);
  font-weight: 600;
}

.dropdown-option .flag-emoji {
  font-size: 1.2rem;
}

/* Checkbox / Toggle */
.toggle-switch {
  position: relative;
  display: inline-flex;
  align-items: center;
  gap: var(--sp-3);
  cursor: pointer;
}

.toggle-switch input {
  position: absolute;
  opacity: 0;
  width: 0;
  height: 0;
}

.toggle-track {
  position: relative;
  width: 44px;
  height: 24px;
  background: var(--sp-gray-300);
  border-radius: var(--radius-full);
  transition: background var(--dur-normal) var(--ease-out);
  flex-shrink: 0;
}

.toggle-track::after {
  content: '';
  position: absolute;
  top: 2px;
  left: 2px;
  width: 20px;
  height: 20px;
  background: var(--sp-white);
  border-radius: 50%;
  box-shadow: var(--shadow-sm);
  transition: transform var(--dur-normal) var(--ease-out);
}

.toggle-switch input:checked + .toggle-track {
  background: var(--sp-teal);
}

.toggle-switch input:checked + .toggle-track::after {
  transform: translateX(20px);
}

.toggle-label-text {
  font-size: 0.9rem;
  color: var(--sp-gray-600);
}

/* Checkbox */
.checkbox-wrap {
  display: flex;
  align-items: flex-start;
  gap: var(--sp-3);
  cursor: pointer;
}

.checkbox-wrap input[type="checkbox"] {
  position: absolute;
  opacity: 0;
}

.checkbox-box {
  flex-shrink: 0;
  width: 20px;
  height: 20px;
  border: 1.5px solid var(--sp-gray-300);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  transition: all var(--dur-fast);
  margin-top: 1px;
}

.checkbox-wrap input:checked ~ .checkbox-box {
  background: var(--sp-blue);
  border-color: var(--sp-blue);
}

.checkbox-box svg {
  width: 12px;
  height: 12px;
  fill: none;
  stroke: var(--sp-white);
  stroke-width: 2.5;
  stroke-linecap: round;
  stroke-linejoin: round;
  opacity: 0;
  transform: scale(0.5);
  transition: all var(--dur-fast);
}

.checkbox-wrap input:checked ~ .checkbox-box svg {
  opacity: 1;
  transform: scale(1);
}

.checkbox-text {
  font-size: 0.88rem;
  color: var(--sp-gray-600);
  line-height: 1.5;
}

.checkbox-text a {
  font-weight: 600;
}


/* =======================
   CARDS
   ======================= */
.card {
  background: var(--sp-white);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-card);
  overflow: hidden;
  transition: box-shadow var(--dur-normal) var(--ease-out), transform var(--dur-normal) var(--ease-out);
}

.card:hover {
  box-shadow: var(--shadow-card-hover);
}

.card-body {
  padding: var(--sp-6);
}

.card-header {
  padding: var(--sp-5) var(--sp-6);
  border-bottom: 1px solid var(--sp-gray-100);
}

.card-footer {
  padding: var(--sp-4) var(--sp-6);
  border-top: 1px solid var(--sp-gray-100);
  background: var(--sp-gray-50);
}


/* =======================
   HERO SECTION
   ======================= */
.hero {
  position: relative;
  background: var(--sp-grad-hero);
  padding: calc(var(--header-h) + var(--sp-10)) 0 var(--sp-12);
  overflow: hidden;
  min-height: 85vh;
  min-height: 85dvh;
  display: flex;
  align-items: center;
}

.hero::before {
  content: '';
  position: absolute;
  top: -50%;
  right: -30%;
  width: 600px;
  height: 600px;
  background: radial-gradient(circle, rgba(21,101,192,0.25) 0%, transparent 70%);
  border-radius: 50%;
  pointer-events: none;
}

.hero::after {
  content: '';
  position: absolute;
  bottom: -20%;
  left: -20%;
  width: 500px;
  height: 500px;
  background: radial-gradient(circle, rgba(0,137,123,0.15) 0%, transparent 70%);
  border-radius: 50%;
  pointer-events: none;
}

.hero-content {
  position: relative;
  z-index: 2;
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: var(--sp-2);
  padding: var(--sp-2) var(--sp-4);
  background: rgba(255,255,255,0.1);
  border: 1px solid rgba(255,255,255,0.15);
  border-radius: var(--radius-full);
  color: var(--sp-amber);
  font-size: 0.82rem;
  font-weight: 600;
  margin-bottom: var(--sp-6);
  backdrop-filter: blur(4px);
}

.hero-badge svg {
  width: 14px;
  height: 14px;
}

.hero-title {
  font-size: clamp(1.9rem, 5.5vw, 3.5rem);
  font-weight: 800;
  color: var(--sp-white);
  line-height: 1.12;
  margin-bottom: var(--sp-5);
  letter-spacing: -0.025em;
}

.hero-title .highlight {
  background: var(--sp-grad-accent);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.hero-subtitle {
  font-size: clamp(0.95rem, 2.2vw, 1.15rem);
  color: rgba(255,255,255,0.7);
  max-width: 520px;
  line-height: 1.65;
  margin-bottom: var(--sp-8);
}

.hero-actions {
  display: flex;
  flex-direction: column;
  gap: var(--sp-3);
}

.hero-stats {
  display: flex;
  gap: var(--sp-7);
  margin-top: var(--sp-9);
  padding-top: var(--sp-7);
  border-top: 1px solid rgba(255,255,255,0.12);
}

.hero-stat-val {
  font-family: var(--ff-heading);
  font-size: 1.5rem;
  font-weight: 800;
  color: var(--sp-white);
  line-height: 1;
  margin-bottom: var(--sp-1);
}

.hero-stat-label {
  font-size: 0.8rem;
  color: rgba(255,255,255,0.5);
}

/* Floating card animation in hero */
.hero-visual {
  display: none; /* shown on tablet+ */
  position: relative;
}

.floating-card {
  position: relative;
  width: 320px;
  height: 200px;
  background: var(--sp-grad-card);
  border-radius: var(--radius-xl);
  padding: var(--sp-6);
  box-shadow: 0 20px 60px rgba(0,0,0,0.3);
  color: var(--sp-white);
  overflow: hidden;
}

.floating-card::after {
  content: '';
  position: absolute;
  top: -50%;
  right: -20%;
  width: 200px;
  height: 200px;
  background: rgba(255,255,255,0.08);
  border-radius: 50%;
}

.floating-card .card-chip {
  width: 40px;
  height: 30px;
  background: linear-gradient(135deg, #FFD54F, #FFA726);
  border-radius: 6px;
  margin-bottom: var(--sp-6);
}

.floating-card .card-number {
  font-family: var(--ff-mono);
  font-size: 1.05rem;
  letter-spacing: 0.18em;
  margin-bottom: var(--sp-5);
}

.floating-card .card-details {
  display: flex;
  justify-content: space-between;
  font-size: 0.72rem;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  opacity: 0.8;
}

.floating-card-2 {
  position: absolute;
  top: 80px;
  left: 60px;
  transform: rotate(6deg);
  z-index: -1;
  opacity: 0.6;
}


/* =======================
   FEATURES SECTION
   ======================= */
.features-section {
  background: var(--sp-white);
}

.section-header {
  text-align: center;
  max-width: 580px;
  margin: 0 auto var(--sp-10);
}

.section-tag {
  display: inline-block;
  font-size: 0.78rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--sp-teal);
  margin-bottom: var(--sp-3);
}

.section-title {
  font-size: clamp(1.5rem, 4vw, 2.25rem);
  margin-bottom: var(--sp-4);
  letter-spacing: -0.02em;
}

.section-desc {
  font-size: 1rem;
  color: var(--sp-gray-500);
  line-height: 1.7;
}

.features-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--sp-5);
}

.feature-card {
  padding: var(--sp-6);
  border-radius: var(--radius-lg);
  border: 1px solid var(--sp-gray-100);
  transition: all var(--dur-normal) var(--ease-out);
}

.feature-card:hover {
  border-color: transparent;
  box-shadow: var(--shadow-lg);
  transform: translateY(-2px);
}

.feature-icon {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 48px;
  height: 48px;
  border-radius: var(--radius-md);
  margin-bottom: var(--sp-5);
}

.feature-icon--blue { background: rgba(21,101,192,0.1); color: var(--sp-blue); }
.feature-icon--teal { background: rgba(0,137,123,0.1); color: var(--sp-teal); }
.feature-icon--amber { background: rgba(249,168,37,0.1); color: #E65100; }
.feature-icon--green { background: rgba(46,125,50,0.1); color: var(--sp-green); }

.feature-icon svg {
  width: 24px;
  height: 24px;
}

.feature-card h3 {
  font-size: 1.08rem;
  margin-bottom: var(--sp-2);
}

.feature-card p {
  font-size: 0.9rem;
  color: var(--sp-gray-500);
  line-height: 1.65;
}


/* =======================
   HOW IT WORKS
   ======================= */
.steps-section {
  background: var(--sp-off-white);
}

.steps-list {
  display: flex;
  flex-direction: column;
  gap: var(--sp-8);
  counter-reset: step-counter;
}

.step-item {
  display: flex;
  gap: var(--sp-5);
  counter-increment: step-counter;
}

.step-number {
  flex-shrink: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  width: 44px;
  height: 44px;
  background: var(--sp-grad-card);
  color: var(--sp-white);
  font-family: var(--ff-heading);
  font-weight: 800;
  font-size: 1.1rem;
  border-radius: 50%;
  box-shadow: 0 4px 12px rgba(21,101,192,0.25);
}

.step-content h3 {
  font-size: 1.05rem;
  margin-bottom: var(--sp-2);
}

.step-content p {
  font-size: 0.9rem;
  color: var(--sp-gray-500);
  line-height: 1.6;
}


/* =======================
   TRUST / SECURITY STRIP
   ======================= */
.trust-strip {
  background: var(--sp-navy);
  padding: var(--sp-8) 0;
}

.trust-items {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--sp-5);
  text-align: center;
}

.trust-item {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: var(--sp-2);
}

.trust-item svg {
  width: 32px;
  height: 32px;
  color: var(--sp-amber);
}

.trust-item span {
  font-size: 0.78rem;
  color: rgba(255,255,255,0.7);
  font-weight: 500;
}


/* =======================
   TESTIMONIALS
   ======================= */
.testimonials-section {
  background: var(--sp-white);
}

.testimonial-track {
  display: flex;
  gap: var(--sp-5);
  overflow-x: auto;
  scroll-snap-type: x mandatory;
  -webkit-overflow-scrolling: touch;
  padding-bottom: var(--sp-4);
  scrollbar-width: none;
}

.testimonial-track::-webkit-scrollbar { display: none; }

.testimonial-card {
  min-width: 280px;
  max-width: 340px;
  scroll-snap-align: start;
  flex-shrink: 0;
  padding: var(--sp-6);
  border: 1px solid var(--sp-gray-100);
  border-radius: var(--radius-lg);
}

.testimonial-stars {
  display: flex;
  gap: 2px;
  margin-bottom: var(--sp-3);
}

.testimonial-stars svg {
  width: 16px;
  height: 16px;
  fill: var(--sp-amber);
}

.testimonial-text {
  font-size: 0.9rem;
  line-height: 1.65;
  color: var(--sp-gray-600);
  margin-bottom: var(--sp-5);
}

.testimonial-author {
  display: flex;
  align-items: center;
  gap: var(--sp-3);
}

.testimonial-avatar {
  width: 40px;
  height: 40px;
  border-radius: 50%;
  background: var(--sp-grad-card);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--sp-white);
  font-weight: 700;
  font-size: 0.85rem;
  flex-shrink: 0;
}

.testimonial-name {
  font-weight: 600;
  font-size: 0.88rem;
  color: var(--sp-navy);
}

.testimonial-role {
  font-size: 0.78rem;
  color: var(--sp-gray-400);
}


/* =======================
   CTA SECTION
   ======================= */
.cta-section {
  background: var(--sp-grad-hero);
  padding: var(--sp-12) 0;
  text-align: center;
}

.cta-section h2 {
  color: var(--sp-white);
  font-size: clamp(1.4rem, 4vw, 2rem);
  margin-bottom: var(--sp-4);
}

.cta-section p {
  color: rgba(255,255,255,0.65);
  max-width: 460px;
  margin: 0 auto var(--sp-7);
}

.cta-buttons {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: var(--sp-3);
}


/* =======================
   FOOTER
   ======================= */
.site-footer {
  background: var(--sp-navy);
  color: rgba(255,255,255,0.6);
  padding: var(--sp-12) 0 var(--sp-6);
}

.footer-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--sp-8);
  margin-bottom: var(--sp-10);
}

.footer-brand p {
  font-size: 0.88rem;
  margin-top: var(--sp-3);
  line-height: 1.6;
  max-width: 320px;
}

.footer-heading {
  font-family: var(--ff-heading);
  font-size: 0.85rem;
  font-weight: 700;
  color: var(--sp-white);
  text-transform: uppercase;
  letter-spacing: 0.06em;
  margin-bottom: var(--sp-4);
}

.footer-links {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: var(--sp-2);
}

.footer-links a {
  font-size: 0.88rem;
  color: rgba(255,255,255,0.55);
  transition: color var(--dur-fast);
}

.footer-links a:hover {
  color: var(--sp-white);
}

/* Footer trust badges */
.footer-trust-badges {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: var(--sp-6);
  flex-wrap: wrap;
  padding: var(--sp-6) 0;
  margin-bottom: var(--sp-2);
  border-top: 1px solid rgba(255,255,255,0.08);
}

.footer-badge {
  display: flex;
  align-items: center;
  gap: var(--sp-2);
}

.footer-badge svg {
  color: var(--sp-amber);
  flex-shrink: 0;
}

.footer-badge span {
  font-size: 0.8rem;
  font-weight: 600;
  color: rgba(255,255,255,0.7);
  white-space: nowrap;
}

.footer-bottom {
  display: flex;
  flex-direction: column;
  gap: var(--sp-3);
  padding-top: var(--sp-6);
  border-top: 1px solid rgba(255,255,255,0.08);
  font-size: 0.8rem;
}

.footer-bottom-links {
  display: flex;
  gap: var(--sp-5);
  flex-wrap: wrap;
}

.footer-bottom-links a {
  color: rgba(255,255,255,0.45);
  font-size: 0.8rem;
}

.footer-bottom-links a:hover {
  color: rgba(255,255,255,0.8);
}

/* Social icons */
.social-links {
  display: flex;
  gap: var(--sp-3);
  margin-top: var(--sp-4);
}

.social-link {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: rgba(255,255,255,0.08);
  color: rgba(255,255,255,0.6);
  transition: background var(--dur-fast), color var(--dur-fast);
}

.social-link:hover {
  background: rgba(255,255,255,0.15);
  color: var(--sp-white);
}

.social-link svg {
  width: 18px;
  height: 18px;
}


/* =======================
   ADDRESS FIELDS GRID
   ======================= */
.address-fields-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--sp-2);
}

.address-fields-grid .address-full {
  grid-column: 1 / -1;
}

@media (min-width: 480px) {
  .address-fields-grid {
    grid-template-columns: 1fr 1fr;
  }
}


/* =======================
   MOBILE TRANSFER FIXES
   ======================= */

/* Smaller amount input on mobile */
@media (max-width: 479px) {
  .amount-display input {
    font-size: 2.2rem;
    width: 160px;
  }

  .card-number-input {
    font-size: 1rem;
    letter-spacing: 0.08em;
  }

  .transfer-card-body {
    padding: var(--sp-3);
  }

  .card-input-group {
    padding: var(--sp-3);
  }

  .transfer-summary {
    padding: var(--sp-3);
  }

  .summary-row {
    font-size: 0.82rem;
  }

  .transfer-success h2 {
    font-size: 1.2rem;
  }

  .transfer-success .amount-sent {
    font-size: 1.6rem;
  }

  /* Error/Success panels */
  .transfer-error-panel .transfer-success,
  .transfer-success-panel .transfer-success {
    padding: var(--sp-7) var(--sp-4);
  }
}


/* =======================
   TRANSFER PAGE
   ======================= */
.page-hero {
  background: var(--sp-grad-hero);
  padding: calc(var(--header-h) + var(--sp-8)) 0 var(--sp-8);
  text-align: center;
}

.page-hero h1 {
  color: var(--sp-white);
  font-size: clamp(1.5rem, 4vw, 2.2rem);
  margin-bottom: var(--sp-2);
}

.page-hero p {
  color: rgba(255,255,255,0.6);
  font-size: 0.95rem;
}

.page-hero .breadcrumb {
  display: flex;
  justify-content: center;
  gap: var(--sp-2);
  margin-bottom: var(--sp-4);
  font-size: 0.82rem;
}

.breadcrumb a {
  color: rgba(255,255,255,0.5);
}

.breadcrumb span {
  color: rgba(255,255,255,0.3);
}

.breadcrumb .current {
  color: rgba(255,255,255,0.8);
}

/* Transfer form layout */
.transfer-section {
  margin-top: calc(-1 * var(--sp-7));
  padding-bottom: var(--sp-12);
}

.transfer-card {
  background: var(--sp-white);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-xl);
  overflow: hidden;
}

.transfer-card-body {
  padding: var(--sp-4);
}

/* Progress steps */
.progress-steps {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0;
  padding: var(--sp-3) var(--sp-3);
  background: var(--sp-gray-50);
  border-bottom: 1px solid var(--sp-gray-100);
  overflow: hidden;
  width: 100%;
}

.progress-step {
  display: flex;
  align-items: center;
  gap: 6px;
  white-space: nowrap;
  font-size: 0.75rem;
  font-weight: 500;
  color: var(--sp-gray-400);
  flex-shrink: 0;
}

.progress-step.active {
  color: var(--sp-blue);
  font-weight: 700;
}

.progress-step.completed {
  color: var(--sp-teal);
}

.step-line {
  flex: 1;
  min-width: 12px;
  max-width: 60px;
  height: 2px;
  background: var(--sp-gray-200);
  margin: 0 4px;
  flex-shrink: 1;
}

.step-line.filled {
  background: var(--sp-teal);
}

.step-dot {
  width: 26px;
  height: 26px;
  border-radius: 50%;
  border: 2px solid var(--sp-gray-300);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.75rem;
  font-weight: 700;
  flex-shrink: 0;
}

.progress-step.active .step-dot {
  background: var(--sp-blue);
  border-color: var(--sp-blue);
  color: var(--sp-white);
  box-shadow: 0 2px 8px rgba(21,101,192,0.3);
}

.progress-step.completed .step-dot {
  background: var(--sp-teal);
  border-color: var(--sp-teal);
  color: var(--sp-white);
}

/* Card input visual */
.card-input-group {
  background: var(--sp-gray-50);
  border: 1.5px solid var(--sp-gray-200);
  border-radius: var(--radius-lg);
  padding: var(--sp-4);
  transition: border-color var(--dur-fast);
}

.card-input-group:focus-within {
  border-color: var(--sp-blue);
  box-shadow: var(--shadow-input-focus);
}

.card-input-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: var(--sp-2);
}

.card-input-label {
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--sp-gray-600);
}

.card-brand-icon {
  height: 24px;
  opacity: 0.4;
  transition: opacity var(--dur-fast);
}

.card-brand-icon.detected {
  opacity: 1;
}

.card-number-input {
  width: 100%;
  padding: 0;
  border: none;
  background: transparent;
  font-family: var(--ff-mono);
  font-size: 1.15rem;
  letter-spacing: 0.12em;
  color: var(--sp-gray-800);
  outline: none;
}

.card-number-input::placeholder {
  color: var(--sp-gray-300);
  letter-spacing: 0.12em;
}

.card-sub-field.form-group,
.address-fields-grid .form-group {
  margin-bottom: 0;
}

.card-sub-fields {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--sp-2);
  margin-top: var(--sp-3);
  padding-top: var(--sp-4);
  border-top: 1px solid var(--sp-gray-200);
}

.card-sub-field input {
  width: 100%;
  padding: var(--sp-2) 0;
  border: none;
  background: transparent;
  font-size: 0.92rem;
  color: var(--sp-gray-800);
  outline: none;
}

.card-sub-field label {
  font-size: 0.72rem;
  font-weight: 600;
  color: var(--sp-gray-400);
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

/* Transfer amount area */
.amount-input-wrap {
  text-align: center;
  padding: var(--sp-3) 0;
}

.amount-currency {
  font-size: 0.85rem;
  color: var(--sp-gray-400);
  font-weight: 600;
  margin-bottom: var(--sp-2);
}

.amount-display {
  display: flex;
  align-items: baseline;
  justify-content: center;
  gap: var(--sp-1);
}

.amount-display .currency-sign {
  font-family: var(--ff-heading);
  font-size: 1.5rem;
  color: var(--sp-gray-400);
  font-weight: 600;
}

.amount-display input {
  border: none;
  background: transparent;
  font-family: var(--ff-heading);
  font-size: 2.8rem;
  font-weight: 800;
  color: var(--sp-navy);
  text-align: center;
  width: 200px;
  outline: none;
}

.amount-display input::placeholder {
  color: var(--sp-gray-300);
}

.amount-limits {
  font-size: 0.78rem;
  color: var(--sp-gray-400);
  margin-top: var(--sp-2);
}

/* Transfer summary */
.transfer-summary {
  background: var(--sp-gray-50);
  border-radius: var(--radius-md);
  padding: var(--sp-3);
}

.summary-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 5px 0;
  font-size: 0.85rem;
}

.summary-row .label {
  color: var(--sp-gray-500);
}

.summary-row .value {
  font-weight: 600;
  color: var(--sp-gray-700);
}

.summary-row.total {
  padding-top: 6px;
  margin-top: 4px;
  border-top: 1px solid var(--sp-gray-200);
}

.summary-row.total .value {
  font-size: 1rem;
  color: var(--sp-navy);
}

/* Transfer success */
.transfer-success {
  text-align: center;
  padding: var(--sp-10) var(--sp-6);
}

.success-icon {
  width: 72px;
  height: 72px;
  border-radius: 50%;
  background: rgba(46,125,50,0.1);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto var(--sp-5);
}

.success-icon svg {
  width: 36px;
  height: 36px;
  color: var(--sp-green);
}

.transfer-success h2 {
  font-size: 1.4rem;
  margin-bottom: var(--sp-2);
}

.transfer-success .amount-sent {
  font-family: var(--ff-heading);
  font-size: 2rem;
  font-weight: 800;
  color: var(--sp-teal);
  margin: var(--sp-4) 0;
}


/* =======================
   INFO / LEGAL PAGES
   ======================= */
.legal-content {
  padding: var(--sp-8) 0 var(--sp-12);
}

.legal-content h2 {
  font-size: 1.3rem;
  margin: var(--sp-8) 0 var(--sp-4);
  padding-top: var(--sp-4);
  border-top: 1px solid var(--sp-gray-100);
}

.legal-content h2:first-of-type {
  border-top: none;
  padding-top: 0;
}

.legal-content h3 {
  font-size: 1.05rem;
  margin: var(--sp-5) 0 var(--sp-3);
}

.legal-content p {
  margin-bottom: var(--sp-4);
  font-size: 0.92rem;
  line-height: 1.75;
}

.legal-content ul, .legal-content ol {
  margin-bottom: var(--sp-4);
  padding-left: var(--sp-6);
}

.legal-content li {
  margin-bottom: var(--sp-2);
  font-size: 0.92rem;
  line-height: 1.65;
}

.legal-content .last-updated {
  font-size: 0.85rem;
  color: var(--sp-gray-400);
  margin-bottom: var(--sp-6);
}


/* =======================
   FAQ ACCORDION
   ======================= */
.faq-list {
  display: flex;
  flex-direction: column;
  gap: var(--sp-3);
}

.faq-item {
  border: 1px solid var(--sp-gray-200);
  border-radius: var(--radius-md);
  overflow: hidden;
  transition: border-color var(--dur-fast);
}

.faq-item.open {
  border-color: var(--sp-blue);
}

.faq-question {
  display: flex;
  align-items: center;
  justify-content: space-between;
  width: 100%;
  padding: var(--sp-4) var(--sp-5);
  background: var(--sp-white);
  border: none;
  text-align: left;
  font-size: 0.95rem;
  font-weight: 600;
  color: var(--sp-gray-700);
  cursor: pointer;
  gap: var(--sp-3);
}

.faq-question:hover {
  background: var(--sp-gray-50);
}

.faq-question svg {
  width: 20px;
  height: 20px;
  flex-shrink: 0;
  color: var(--sp-gray-400);
  transition: transform var(--dur-normal) var(--ease-out);
}

.faq-item.open .faq-question svg {
  transform: rotate(45deg);
  color: var(--sp-blue);
}

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height var(--dur-slow) var(--ease-out);
}

.faq-answer-inner {
  padding: 0 var(--sp-5) var(--sp-5);
  font-size: 0.9rem;
  color: var(--sp-gray-500);
  line-height: 1.7;
}


/* =======================
   CONTACT PAGE
   ======================= */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--sp-7);
}

.contact-info-card {
  display: flex;
  gap: var(--sp-4);
  padding: var(--sp-5);
  border-radius: var(--radius-md);
  border: 1px solid var(--sp-gray-100);
}

.contact-info-icon {
  width: 44px;
  height: 44px;
  border-radius: var(--radius-md);
  background: rgba(21,101,192,0.08);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.contact-info-icon svg {
  width: 20px;
  height: 20px;
  color: var(--sp-blue);
}

.contact-info-card h3 {
  font-size: 0.95rem;
  margin-bottom: var(--sp-1);
}

.contact-info-card p {
  font-size: 0.85rem;
  color: var(--sp-gray-500);
  line-height: 1.5;
}


/* =======================
   ABOUT PAGE
   ======================= */
.about-hero-text {
  max-width: 680px;
  margin: 0 auto;
}

.about-hero-text .lead {
  font-size: 1.1rem;
  line-height: 1.7;
  color: rgba(255,255,255,0.75);
}

.values-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--sp-5);
}

.value-card {
  text-align: center;
  padding: var(--sp-6);
}

.value-card .value-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 56px;
  height: 56px;
  border-radius: 50%;
  background: var(--sp-gray-50);
  margin-bottom: var(--sp-4);
}

.value-card .value-icon svg {
  width: 28px;
  height: 28px;
  color: var(--sp-blue);
}

.value-card h3 {
  font-size: 1.05rem;
  margin-bottom: var(--sp-2);
}

.value-card p {
  font-size: 0.88rem;
  color: var(--sp-gray-500);
  line-height: 1.6;
}

.team-section {
  background: var(--sp-gray-50);
}

.stats-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--sp-5);
  text-align: center;
}

.stat-block .stat-number {
  font-family: var(--ff-heading);
  font-size: 2rem;
  font-weight: 800;
  color: var(--sp-navy);
  line-height: 1;
}

.stat-block .stat-label {
  font-size: 0.82rem;
  color: var(--sp-gray-500);
  margin-top: var(--sp-1);
}


/* =======================
   NOTIFICATION / TOAST
   ======================= */
.toast {
  position: fixed;
  bottom: var(--sp-5);
  left: 50%;
  transform: translateX(-50%) translateY(120%);
  z-index: 2000;
  display: flex;
  align-items: center;
  gap: var(--sp-3);
  padding: var(--sp-3) var(--sp-5);
  background: var(--sp-navy);
  color: var(--sp-white);
  font-size: 0.88rem;
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-xl);
  transition: transform var(--dur-slow) var(--ease-out);
  max-width: 90%;
}

.toast.show {
  transform: translateX(-50%) translateY(0);
}

.toast svg {
  width: 20px;
  height: 20px;
  flex-shrink: 0;
}

.toast--success { background: var(--sp-green); }
.toast--error { background: var(--sp-red); }


/* =======================
   SCROLL ANIMATIONS
   ======================= */
.reveal {
  opacity: 0;
  transform: translateY(24px);
  transition: opacity 0.6s var(--ease-out), transform 0.6s var(--ease-out);
}

.reveal.visible {
  opacity: 1;
  transform: translateY(0);
}

.reveal-delay-1 { transition-delay: 0.1s; }
.reveal-delay-2 { transition-delay: 0.2s; }
.reveal-delay-3 { transition-delay: 0.3s; }
.reveal-delay-4 { transition-delay: 0.4s; }


/* =======================
   RESPONSIVE — Tablet
   ======================= */
@media (min-width: 640px) {
  .container {
    padding: 0 var(--sp-6);
  }

  .hero-actions {
    flex-direction: row;
  }

  .features-grid {
    grid-template-columns: 1fr 1fr;
  }

  .trust-items {
    grid-template-columns: repeat(4, 1fr);
  }

  .footer-grid {
    grid-template-columns: 1fr 1fr;
  }

  .values-grid {
    grid-template-columns: 1fr 1fr;
  }

  .contact-grid {
    grid-template-columns: 1fr 1fr;
  }

  .stats-grid {
    grid-template-columns: repeat(4, 1fr);
  }

  .cta-buttons {
    flex-direction: row;
    justify-content: center;
  }
}


/* =======================
   RESPONSIVE — Desktop
   ======================= */
@media (min-width: 1024px) {
  :root {
    --header-h: 72px;
  }

  /* Desktop nav */
  .nav-toggle {
    display: none;
  }

  .nav-overlay {
    display: none;
  }

  .main-nav {
    position: static;
    width: auto;
    max-width: none;
    height: auto;
    background: transparent;
    box-shadow: none;
    padding: 0;
    overflow: visible;
  }

  .main-nav.open {
    right: auto;
  }

  .nav-list {
    flex-direction: row;
    align-items: center;
    gap: var(--sp-1);
  }

  .nav-list a {
    padding: var(--sp-2) var(--sp-3);
    font-size: 0.88rem;
  }

  .nav-list a svg {
    display: none;
  }

  /* Desktop dropdown */
  .nav-dropdown-trigger {
    padding: var(--sp-2) var(--sp-3);
    font-size: 0.88rem;
    gap: var(--sp-1);
  }

  .nav-dropdown-menu {
    position: absolute;
    top: 100%;
    left: 0;
    min-width: 200px;
    background: var(--sp-white);
    border: 1px solid var(--sp-gray-100);
    border-radius: var(--radius-md);
    box-shadow: var(--shadow-lg);
    padding: var(--sp-2);
    display: block;
    opacity: 0;
    visibility: hidden;
    transform: translateY(8px);
    transition: all var(--dur-normal) var(--ease-out);
  }

  .nav-dropdown.expanded .nav-dropdown-menu,
  .nav-dropdown:hover .nav-dropdown-menu {
    opacity: 1;
    visibility: visible;
    transform: translateY(0);
    padding-left: var(--sp-2);
  }

  .nav-dropdown-menu a {
    font-size: 0.85rem;
    padding: var(--sp-2) var(--sp-3);
    color: var(--sp-gray-600);
    border-radius: var(--radius-sm);
  }

  .nav-dropdown-menu a:hover {
    background: var(--sp-gray-50);
    color: var(--sp-blue);
  }

  .nav-cta {
    margin-top: 0;
    margin-left: var(--sp-3);
  }

  /* Hero desktop */
  .hero {
    padding: calc(var(--header-h) + var(--sp-14)) 0 var(--sp-14);
  }

  .hero .container {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: var(--sp-10);
  }

  .hero-content {
    flex: 1;
    max-width: 560px;
  }

  .hero-visual {
    display: block;
    flex-shrink: 0;
  }

  /* Features */
  .features-grid {
    grid-template-columns: repeat(4, 1fr);
  }

  .feature-card {
    padding: var(--sp-7);
  }

  /* Steps */
  .steps-list {
    flex-direction: row;
    gap: var(--sp-6);
  }

  .step-item {
    flex: 1;
    flex-direction: column;
    text-align: center;
  }

  /* Footer */
  .footer-grid {
    grid-template-columns: 2fr 1fr 1fr 1fr;
  }

  .footer-bottom {
    flex-direction: row;
    justify-content: space-between;
    align-items: center;
  }

  /* Values */
  .values-grid {
    grid-template-columns: repeat(3, 1fr);
  }

  /* Transfer */
  .transfer-card-body {
    padding: var(--sp-7);
  }

  .transfer-two-col {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: var(--sp-7);
  }

  /* Contact */
  .contact-layout {
    display: grid;
    grid-template-columns: 1fr 1.2fr;
    gap: var(--sp-10);
  }

  .contact-grid {
    grid-template-columns: 1fr;
  }
}


/* =======================
   ANIMATIONS
   ======================= */
@keyframes float {
  0%, 100% { transform: translateY(0) rotate(0deg); }
  50% { transform: translateY(-12px) rotate(2deg); }
}

@keyframes floatAlt {
  0%, 100% { transform: translateY(0) rotate(6deg); }
  50% { transform: translateY(-8px) rotate(4deg); }
}

.floating-card {
  animation: float 6s ease-in-out infinite;
}

.floating-card-2 .floating-card {
  animation: floatAlt 7s ease-in-out infinite;
}

@keyframes pulse-ring {
  0% { transform: scale(0.9); opacity: 1; }
  100% { transform: scale(1.5); opacity: 0; }
}

/* Success checkmark animation */
@keyframes draw-check {
  0% { stroke-dashoffset: 40; }
  100% { stroke-dashoffset: 0; }
}

.success-check {
  stroke-dasharray: 40;
  stroke-dashoffset: 40;
  animation: draw-check 0.5s 0.3s ease-out forwards;
}

/* Skeleton loading */
.skeleton {
  background: linear-gradient(90deg, var(--sp-gray-100) 25%, var(--sp-gray-50) 50%, var(--sp-gray-100) 75%);
  background-size: 200% 100%;
  animation: shimmer 1.5s infinite;
  border-radius: var(--radius-sm);
}

@keyframes shimmer {
  0% { background-position: -200% 0; }
  100% { background-position: 200% 0; }
}

/* Divider with icon */
.divider-icon {
  display: flex;
  align-items: center;
  gap: var(--sp-3);
  margin: var(--sp-3) 0;
}

.divider-icon::before,
.divider-icon::after {
  content: '';
  flex: 1;
  height: 1px;
  background: var(--sp-gray-200);
}

.divider-icon svg {
  width: 20px;
  height: 20px;
  color: var(--sp-gray-300);
  flex-shrink: 0;
}

/* Back to top */
.back-to-top {
  position: fixed;
  bottom: var(--sp-5);
  right: var(--sp-5);
  width: 44px;
  height: 44px;
  background: var(--sp-white);
  border: 1px solid var(--sp-gray-200);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: var(--shadow-md);
  opacity: 0;
  visibility: hidden;
  transform: translateY(12px);
  transition: all var(--dur-normal) var(--ease-out);
  z-index: 900;
  cursor: pointer;
}

.back-to-top.visible {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}

.back-to-top:hover {
  background: var(--sp-blue);
  border-color: var(--sp-blue);
  color: var(--sp-white);
}

.back-to-top svg {
  width: 20px;
  height: 20px;
}

/* Print styles */
@media print {
  .site-header, .site-footer, .back-to-top, .nav-toggle, .cta-section { display: none; }
  body { background: white; color: black; }
  .hero { background: #f0f0f0; }
}