/* ---------- tokens ---------- */
:root {
  --ink: #0E1A2B;
  --ink-2: #283445;
  --muted: #5B6472;
  --line: #E4E7EC;
  --paper: #FFFFFF;
  --soft: #F5F6F8;
  --blue: #2B4EF0;
  --blue-deep: #1B2F8F;
  --blue-soft: #EAF0FF;
  --orange: #EE7A3B;
  --orange-soft: #FDEBDD;
  --green: #0E8A5F;
  --night: #07101F;

  --f-display: "Inter Tight", "Inter", system-ui, -apple-system, "Segoe UI", sans-serif;
  --f-serif: "Instrument Serif", Georgia, "Times New Roman", serif;
  --f-brand: "Fraunces", Georgia, "Times New Roman", serif;
  --f-body: "Inter", system-ui, -apple-system, "Segoe UI", sans-serif;
  --f-mono: "JetBrains Mono", ui-monospace, "SFMono-Regular", Menlo, monospace;

  --radius: 24px;
  --gutter: clamp(16px, 4vw, 40px);
  --section: clamp(80px, 11vw, 150px);
  color-scheme: light;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  font-family: var(--f-body);
  font-size: 16px;
  line-height: 1.6;
  color: var(--ink);
  background: var(--paper);
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}
img, svg { display: block; max-width: 100%; }
a { color: inherit; }
button, input, select { font: inherit; color: inherit; }
[hidden] { display: none !important; }
.sr-only { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }
.hp { position: absolute; left: -9999px; width: 1px; height: 1px; opacity: 0; }
.mono { font-family: var(--f-mono); }
.center { text-align: center; }

.wrap { width: 100%; max-width: 1240px; margin: 0 auto; padding-inline: var(--gutter); }
.wrap--narrow { max-width: 900px; }
.section { padding-block: var(--section); }

/* ---------- type ---------- */
.display, .h2 {
  font-family: var(--f-display);
  font-weight: 600;
  letter-spacing: -0.045em;
  line-height: 0.98;
  margin: 0;
  color: var(--ink);
  text-wrap: balance;
}
.display { font-size: clamp(3rem, 7.4vw, 6.4rem); }
.display--cta { font-size: clamp(3rem, 8vw, 6.6rem); }
.h2 { font-size: clamp(2.3rem, 5.2vw, 4.4rem); text-align: center; }
.h2--left { text-align: left; }
.h2--light { color: #fff; }
.display em, .h2 em {
  font-family: var(--f-serif);
  font-style: italic;
  font-weight: 400;
  letter-spacing: -0.02em;
  color: var(--blue);
}
.h2--light em { color: #FFB07F; }
.lede { font-size: clamp(1.05rem, 1.4vw, 1.25rem); color: var(--muted); margin: 24px 0 0; max-width: 34rem; line-height: 1.55; }
.lede--center { margin-inline: auto; text-align: center; }
.lede a { color: var(--blue); }
.eyebrow {
  font-size: 0.8rem; font-weight: 600; letter-spacing: 0.14em; text-transform: uppercase;
  color: var(--blue); margin: 0 0 20px; text-align: center;
}
.h2--left + *, .eyebrow + .h2--left { text-align: left; }
.problem .eyebrow, .sides .eyebrow { text-align: center; }
.stats .eyebrow, .banks .eyebrow, .dev .eyebrow { text-align: left; }
.eyebrow--light { color: #8FA6FF; }

/* ---------- buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  height: 52px; padding: 0 26px; border-radius: 999px; border: 1px solid transparent;
  font-weight: 500; font-size: 1rem; text-decoration: none; cursor: pointer; white-space: nowrap;
  transition: transform .2s ease, background-color .2s ease, box-shadow .2s ease;
}
.btn:hover { transform: translateY(-1px); }
.btn:active { transform: translateY(0); }
.btn--sm { height: 44px; padding: 0 20px; font-size: 0.95rem; }
.btn--lg { height: 58px; padding: 0 34px; font-size: 1.05rem; }
.btn--dark { background: var(--ink); color: #fff; }
.btn--dark:hover { background: #000; box-shadow: 0 10px 24px -12px rgba(14,26,43,.6); }
.btn--light { background: #fff; color: var(--ink); }
.btn--outline { background: transparent; border-color: var(--ink); color: var(--ink); }
.btn--outline:hover { background: var(--ink); color: #fff; }
.btn[disabled] { opacity: .6; cursor: progress; transform: none; }
:focus-visible { outline: 2px solid var(--blue); outline-offset: 3px; }

/* ---------- nav ---------- */
.nav {
  position: fixed; inset: 0 0 auto; z-index: 50;
  transition: background-color .3s ease, box-shadow .3s ease, backdrop-filter .3s ease;
}
.nav.is-scrolled {
  background: rgba(255,255,255,.86);
  backdrop-filter: saturate(1.4) blur(14px);
  -webkit-backdrop-filter: saturate(1.4) blur(14px);
  box-shadow: 0 1px 0 var(--line);
}
.nav__inner { display: flex; align-items: center; height: 80px; gap: 24px; }
.brand { display: inline-flex; align-items: center; gap: 10px; text-decoration: none; font-family: var(--f-display); font-weight: 700; font-size: 1.45rem; letter-spacing: -0.04em; }
.brand__mark { width: 26px; height: 26px; }
.nav__links { display: flex; gap: 36px; margin: 0 auto; }
.nav__links a { text-decoration: none; color: var(--ink-2); font-size: 0.98rem; }
.nav__links a:hover { color: var(--ink); }
.nav__toggle { display: none; margin-left: auto; width: 44px; height: 44px; border: 0; background: transparent; cursor: pointer; position: relative; }
.nav__toggle span { position: absolute; left: 11px; right: 11px; height: 2px; background: var(--ink); border-radius: 2px; transition: transform .25s ease, top .25s ease; }
.nav__toggle span:first-child { top: 17px; }
.nav__toggle span:last-child { top: 25px; }
.nav__toggle[aria-expanded="true"] span:first-child { top: 21px; transform: rotate(45deg); }
.nav__toggle[aria-expanded="true"] span:last-child { top: 21px; transform: rotate(-45deg); }
.mobile-menu { display: flex; flex-direction: column; gap: 4px; padding: 8px var(--gutter) 24px; background: #fff; box-shadow: 0 12px 24px -16px rgba(0,0,0,.25); }
.mobile-menu a:not(.btn) { padding: 12px 0; text-decoration: none; font-size: 1.1rem; border-bottom: 1px solid var(--line); }
.mobile-menu .btn { margin-top: 16px; }

/* ---------- hero ---------- */
.hero { position: relative; padding: 150px 0 110px; overflow: hidden; isolation: isolate; }
.hero__glow, .cta__glow {
  position: absolute; inset: 0; z-index: -1; pointer-events: none;
  background:
    radial-gradient(60% 70% at 0% 40%, rgba(43,78,240,.55) 0%, rgba(43,78,240,0) 70%),
    radial-gradient(50% 65% at 100% 30%, rgba(238,122,59,.55) 0%, rgba(238,122,59,0) 70%),
    radial-gradient(40% 40% at 60% 10%, rgba(255,214,190,.6) 0%, rgba(255,214,190,0) 70%),
    linear-gradient(180deg, #F7F8FF 0%, #fff 100%);
}
.hero__glow::after, .cta__glow::after {
  content: ""; position: absolute; inset: auto 0 0; height: 40%;
  background: linear-gradient(180deg, rgba(255,255,255,0), #fff);
}
.hero__glow::before {
  content: ""; position: absolute; inset: -20% auto auto 18%; width: 2px; height: 140%;
  background: linear-gradient(180deg, rgba(255,255,255,0), rgba(255,255,255,.8), rgba(255,255,255,0));
  transform: rotate(28deg); filter: blur(1px);
}
.hero__grid { display: grid; grid-template-columns: 1.2fr 0.8fr; gap: 48px; align-items: center; }
.hero .display { font-size: clamp(2.8rem, 5vw, 4.8rem); }
.hero__note { margin: 16px 0 0; font-size: 0.92rem; color: var(--muted); }

.pill-badge {
  display: inline-flex; align-items: center; gap: 14px; flex-wrap: wrap;
  padding: 9px 18px; margin-bottom: 30px; border-radius: 999px;
  background: rgba(255,255,255,.85); box-shadow: 0 1px 0 rgba(14,26,43,.04), 0 6px 20px -12px rgba(14,26,43,.25);
  font-size: 0.88rem; color: var(--ink-2);
}
.pill-badge__item { display: inline-flex; align-items: center; gap: 8px; }
.pill-badge__sep { width: 1px; height: 14px; background: var(--line); }
.dot { width: 8px; height: 8px; border-radius: 50%; background: var(--green); box-shadow: 0 0 0 4px rgba(14,138,95,.15); animation: pulse 2.4s ease-in-out infinite; }
@keyframes pulse { 50% { box-shadow: 0 0 0 7px rgba(14,138,95,0); } }

/* ---------- signup ---------- */
.signup {
  position: relative; display: flex; flex-wrap: wrap; gap: 8px; margin-top: 36px; max-width: 580px;
  padding: 8px; border-radius: 999px; background: #fff;
  box-shadow: 0 1px 0 rgba(14,26,43,.05), 0 20px 40px -24px rgba(14,26,43,.35);
}
.signup input[type="email"], .signup input[type="text"], .signup select {
  flex: 1 1 180px; min-width: 0; height: 52px; padding: 0 20px; border: 0; background: transparent; border-radius: 999px; outline: none;
}
.signup select {
  flex: 0 1 170px; cursor: pointer; appearance: none; -webkit-appearance: none; color: var(--ink-2);
  background: var(--soft) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%235B6472' stroke-width='2'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E") no-repeat right 14px center / 16px;
  padding-right: 40px;
}
.signup input:focus-visible, .signup select:focus-visible { outline: 2px solid var(--blue); outline-offset: -2px; }
.signup__msg { position: absolute; left: 24px; top: calc(100% + 12px); margin: 0; font-size: 0.92rem; color: var(--muted); }
.signup__msg.is-error { color: #C0362C; }
.signup__msg.is-ok { color: var(--green); font-weight: 500; }
.signup.is-done input, .signup.is-done select, .signup.is-done button { display: none; }
.signup.is-done { padding: 20px 26px; }
.signup.is-done .signup__msg { position: static; font-size: 1rem; }

.signup--stack { flex-direction: column; margin: 44px auto 0; max-width: 640px; padding: 12px; border-radius: 28px; gap: 10px; text-align: left; }
.signup--stack .signup__row { display: flex; gap: 10px; flex-wrap: wrap; }
.signup--stack input[type="email"], .signup--stack input[type="text"] { background: var(--soft); border-radius: 18px; }
.signup--stack select { border-radius: 18px; flex: 1 1 180px; }
.signup--stack .btn { width: 100%; border-radius: 18px; }
.signup--stack .signup__msg { position: static; text-align: center; padding: 2px 0 4px; }
.signup--stack .signup__msg:empty { display: none; }
.signup--stack.is-done .signup__row { display: none; }
.signup--stack.is-done .signup__msg { display: block; }

/* ---------- phone mockups ---------- */
.hero__visual { position: relative; display: flex; justify-content: center; padding: 20px 0; }
.phone {
  position: relative; width: 300px; max-width: 100%; aspect-ratio: 300 / 610;
  padding: 11px; border-radius: 54px;
  background: linear-gradient(145deg, #4A505B 0%, #1A1D23 16%, #0B0D11 50%, #1A1D23 84%, #535967 100%);
  box-shadow:
    inset 0 0 0 1.5px rgba(255,255,255,.16),
    inset 0 0 0 6px #050608,
    0 60px 100px -40px rgba(14,26,43,.65),
    0 24px 48px -28px rgba(43,78,240,.45);
}
/* side buttons: action + volume on the left, power on the right */
.phone::before, .phone::after { content: ""; position: absolute; width: 3px; border-radius: 2px; }
.phone::before {
  left: -2.5px; top: 18%; height: 30%;
  background: linear-gradient(#2B2F37 0 12%, transparent 12% 24%, #2B2F37 24% 55%, transparent 55% 64%, #2B2F37 64% 95%, transparent 95%);
}
.phone::after { right: -2.5px; top: 28%; height: 14%; background: #2B2F37; }
.phone--lg { width: 320px; aspect-ratio: 320 / 650; }
.phone--hero { width: 330px; aspect-ratio: 330 / 625; }
.phone__notch {
  position: absolute; top: 22px; left: 50%; transform: translateX(-50%); z-index: 6;
  width: 96px; height: 28px; border-radius: 20px; background: #000;
}
.phone__notch::after {
  content: ""; position: absolute; right: 12px; top: 50%; width: 10px; height: 10px; margin-top: -5px; border-radius: 50%;
  background: radial-gradient(circle at 35% 35%, #3B4A7A 0 20%, #11162A 45%, #05070D 70%);
}
.phone__screen { position: relative; height: 100%; border-radius: 43px; background: #fff; overflow: hidden; padding: 14px 18px 18px; font-size: 13px; line-height: 1.4; }
/* home indicator + glass glare */
.phone__screen::before {
  content: ""; position: absolute; left: 50%; bottom: 7px; width: 34%; height: 4px; margin-left: -17%; border-radius: 4px;
  background: var(--ink); opacity: .9; z-index: 5;
}
.phone__screen::after {
  content: ""; position: absolute; inset: 0; z-index: 5; pointer-events: none; border-radius: inherit;
  background: linear-gradient(125deg, rgba(255,255,255,.35) 0%, rgba(255,255,255,0) 28%);
  mix-blend-mode: soft-light;
}
.scr-top { display: flex; justify-content: space-between; align-items: center; font-weight: 600; font-size: 13.5px; letter-spacing: -0.01em; padding: 4px 10px 0; height: 32px; }
.scr-top__icons { display: flex; align-items: center; gap: 5px; }
.scr-top__icons svg { height: 11px; width: auto; fill: currentColor; }
.scr-top__icons svg:last-child { height: 12px; }

/* ---------- hero checkout screen ---------- */
.phone__screen--co { display: flex; flex-direction: column; padding: 14px 0 0; background: linear-gradient(180deg, #EEF1F8 0%, #F6F7FB 40%, #F6F7FB 100%); }
.phone__screen--co .scr-top { padding-inline: 26px; }
.co { flex: 1; display: flex; flex-direction: column; gap: 12px; padding: 14px 18px 20px; }
.co-bar { display: flex; align-items: center; justify-content: space-between; font-weight: 600; font-size: 14px; letter-spacing: -0.01em; }
.co-close { color: var(--muted); font-size: 18px; line-height: 1; }
.co-order { display: flex; align-items: center; justify-content: space-between; gap: 12px; padding: 13px 0; border-block: 1px solid var(--line); }
.co-order span { color: var(--muted); }
.co-order strong { font-family: var(--f-display); font-size: 15px; letter-spacing: -0.02em; }
.co-section { display: flex; align-items: center; justify-content: space-between; font-weight: 600; font-size: 13px; }
.co-bank { display: inline-flex; align-items: center; gap: 6px; font-size: 12px; font-weight: 500; }
.co-options { display: flex; flex-direction: column; gap: 8px; }
.co-opt { display: flex; align-items: center; gap: 11px; padding: 12px 14px; border-radius: 14px; box-shadow: inset 0 0 0 1px var(--line); }
.co-opt.is-on { box-shadow: inset 0 0 0 1.5px var(--blue); background: rgba(43,78,240,.04); }
.co-opt > span:nth-of-type(2) { flex: 1; color: var(--muted); font-size: 12.5px; }
.co-opt.is-on > span:nth-of-type(2) { color: var(--ink); }
.co-opt strong { font-family: var(--f-display); font-size: 15px; font-weight: 600; letter-spacing: -0.02em; }
.co-opt strong small { font-family: var(--f-body); font-size: 11px; font-weight: 500; color: var(--muted); letter-spacing: 0; }
.co-radio { width: 16px; height: 16px; flex: none; border-radius: 50%; box-shadow: inset 0 0 0 1.5px #C5CBD6; }
.co-opt.is-on .co-radio { box-shadow: inset 0 0 0 5px var(--blue); }
.co-summary { margin: 0; }
.co-summary div { display: flex; justify-content: space-between; padding: 6px 0; }
.co-summary dt { color: var(--muted); font-size: 12.5px; }
.co-summary dd { margin: 0; font-size: 12.5px; font-weight: 500; }
.co-summary__total { border-top: 1px solid var(--line); margin-top: 4px; padding-top: 10px !important; }
.co-summary__total dt { color: var(--ink); font-weight: 600; font-size: 13px; }
.co-summary__total dd { font-family: var(--f-display); font-size: 19px; font-weight: 600; letter-spacing: -0.03em; }
.co-pay { margin-top: auto; }
.co-cta {
  height: 48px; border-radius: 14px; display: grid; place-items: center;
  background: var(--blue); color: #fff; font-weight: 600; font-size: 14.5px; letter-spacing: -0.01em;
}
.co-fine { margin: 10px 0 0; text-align: center; font-size: 11px; color: var(--muted); }

.bank-logo { width: 22px; height: 22px; flex: none; border-radius: 6px; object-fit: contain; }
.bank-list .bank-logo { width: 34px; height: 34px; border-radius: 9px; }
.scr-head { display: flex; align-items: center; gap: 10px; font-family: var(--f-display); font-weight: 600; font-size: 17px; letter-spacing: -0.02em; margin: 14px 0 16px; }
.scr-back { font-size: 22px; line-height: 1; color: var(--muted); }
.scr-item { display: flex; gap: 12px; align-items: center; padding: 10px; border-radius: 14px; background: var(--soft); margin-bottom: 14px; }
.scr-item__img { width: 42px; height: 42px; border-radius: 10px; background: linear-gradient(145deg, #1a2a44, #3b4f78); position: relative; }
.scr-item__img::after { content: ""; position: absolute; inset: 7px 13px; border-radius: 4px; background: linear-gradient(160deg, #8FA6FF, #EE7A3B); }
.scr-item strong { display: block; font-size: 13px; }
.scr-item span { color: var(--muted); font-size: 12px; }
.plan-tabs { display: flex; gap: 6px; padding: 4px; border-radius: 12px; background: var(--soft); margin-bottom: 14px; }
.plan-tabs span { flex: 1; text-align: center; padding: 7px 0; border-radius: 9px; font-size: 12px; color: var(--muted); }
.plan-tabs .is-on { background: #fff; color: var(--ink); font-weight: 600; box-shadow: 0 1px 3px rgba(0,0,0,.08); }
.plan { margin: 0; }
.plan div { display: flex; justify-content: space-between; padding: 9px 2px; border-bottom: 1px dashed var(--line); }
.plan dt { color: var(--muted); }
.plan dd { margin: 0; font-weight: 600; }
.plan__total { border-bottom: 0 !important; padding-top: 12px !important; }
.plan__total dt { color: var(--ink); font-weight: 600; }
.plan__total dd { font-family: var(--f-display); font-size: 20px; letter-spacing: -0.02em; color: var(--blue); }
.scr-btn { position: absolute; left: 18px; right: 18px; bottom: 46px; height: 46px; border-radius: 14px; background: var(--ink); color: #fff; display: grid; place-items: center; font-weight: 600; font-size: 14px; }
.scr-fine { font-size: 11px; color: var(--muted); text-align: center; margin: 10px 0 0; }
.phone__screen > .scr-fine, .screen > .scr-fine:last-child { position: absolute; left: 18px; right: 18px; bottom: 18px; }
.scr-search { height: 40px; border-radius: 12px; background: var(--soft); color: var(--muted); display: flex; align-items: center; padding-left: 36px; position: relative; margin-bottom: 12px; }
.scr-search::before { content: ""; position: absolute; left: 13px; top: 13px; width: 11px; height: 11px; border: 2px solid var(--muted); border-radius: 50%; }
.bank-list { list-style: none; margin: 0; padding: 0; }
.bank-list li { display: flex; align-items: center; gap: 12px; padding: 12px 10px; border-radius: 14px; font-weight: 500; }
.bank-list li + li { border-top: 1px solid var(--line); }
.bank-list li.is-on { background: var(--blue-soft); border-color: transparent; }
.bank-list li.is-on + li { border-top-color: transparent; }
.chev { margin-left: auto; color: var(--muted); font-size: 18px; }
.scr-label { display: block; color: var(--muted); font-size: 12px; margin: 0 0 6px; }
.scr-label strong { color: var(--ink); }
.scr-input { height: 46px; border-radius: 12px; border: 1.5px solid var(--blue); display: flex; align-items: center; padding: 0 14px; font-size: 16px; letter-spacing: .12em; }
.scr-hint { font-size: 11.5px; color: var(--muted); margin: 6px 0 18px; }
.otp { display: flex; gap: 6px; margin: 4px 0 12px; }
.otp span { flex: 1; height: 44px; border-radius: 10px; background: var(--soft); display: grid; place-items: center; font-weight: 600; font-size: 18px; font-family: var(--f-display); }
.otp .is-cursor { box-shadow: inset 0 0 0 1.5px var(--blue); position: relative; }
.otp .is-cursor::after { content: ""; width: 1.5px; height: 18px; background: var(--blue); animation: blink 1s steps(1) infinite; }
@keyframes blink { 50% { opacity: 0; } }
.schedule { list-style: none; margin: 14px 0 0; padding: 12px; border-radius: 14px; background: var(--soft); }
.schedule li { display: flex; justify-content: space-between; padding: 5px 2px; font-size: 12px; }
.schedule li span:first-child { color: var(--muted); }
.schedule li.is-paid span:last-child { color: var(--green); font-weight: 600; }
.scr-amount { font-family: var(--f-display); font-weight: 600; font-size: 36px; letter-spacing: -0.03em; margin: 0 0 16px; }
.va { border-radius: 16px; border: 1px solid var(--line); padding: 4px 14px; }
.va div { display: flex; justify-content: space-between; padding: 10px 0; }
.va div + div { border-top: 1px solid var(--line); }
.va span { color: var(--muted); }
.waiting { display: flex; align-items: center; gap: 10px; justify-content: center; margin-top: 22px; padding: 12px; border-radius: 12px; background: var(--orange-soft); color: #9A4212; font-weight: 500; }
.spinner { width: 14px; height: 14px; border-radius: 50%; border: 2px solid rgba(154,66,18,.25); border-top-color: #9A4212; animation: spin .9s linear infinite; }
@keyframes spin { to { transform: rotate(360deg); } }
.screen--done { text-align: center; padding-top: 30px; }
.done-check { width: 72px; height: 72px; margin: 10px auto 16px; border-radius: 50%; display: grid; place-items: center; background: rgba(14,138,95,.12); color: var(--green); }
.done-check svg { width: 38px; height: 38px; }
.screen--done h4 { font-family: var(--f-display); font-size: 22px; letter-spacing: -0.03em; margin: 0; }
.screen--done .schedule { text-align: left; margin-top: 20px; }

.float-card {
  position: absolute; z-index: 3; display: flex; flex-direction: column; padding: 14px 18px; border-radius: 18px;
  background: rgba(255,255,255,.92); backdrop-filter: blur(10px); -webkit-backdrop-filter: blur(10px);
  box-shadow: 0 20px 40px -20px rgba(14,26,43,.35); min-width: 170px; line-height: 1.3;
  animation: float 6s ease-in-out infinite;
}
.float-card__label { font-size: 12px; color: var(--muted); }
.float-card strong { font-family: var(--f-display); font-size: 22px; letter-spacing: -0.03em; font-weight: 600; }
.float-card__meta { font-size: 12px; color: var(--green); font-weight: 500; }
.float-card--tl { top: 16%; left: -90px; }
.float-card--br { bottom: 14%; right: -90px; animation-delay: -3s; }
@keyframes float { 50% { transform: translateY(-10px); } }

/* ---------- problem ---------- */
.problem .h2 { margin-bottom: clamp(48px, 7vw, 90px); }
.problem__grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 0; border-top: 1px solid var(--line); }
.problem__card { padding: 36px 32px 8px 0; }
.problem__card + .problem__card { padding-left: 32px; border-left: 1px solid var(--line); }
.problem__num { font-family: var(--f-mono); font-size: 0.85rem; color: var(--orange); }
.problem__card h3 { font-family: var(--f-display); font-size: 1.6rem; letter-spacing: -0.03em; font-weight: 600; margin: 10px 0 10px; }
.problem__card p { margin: 0; color: var(--muted); font-size: 1.06rem; }
.problem__close { margin: clamp(56px, 7vw, 90px) 0 0; text-align: center; font-family: var(--f-serif); font-style: italic; font-size: clamp(1.8rem, 3.4vw, 2.8rem); line-height: 1.15; color: var(--ink); }

/* ---------- how ---------- */
.how { background: linear-gradient(180deg, #fff 0%, var(--soft) 100%); }
.how .h2 { margin-bottom: 48px; }
.tabs {
  display: flex; align-items: center; gap: 4px; width: max-content; max-width: 100%; margin: 0 auto 64px;
  padding: 8px; border-radius: 999px; background: #EEF0F3; overflow-x: auto; scrollbar-width: none;
}
.tabs::-webkit-scrollbar { display: none; }
.tab { flex: 0 0 auto; height: 50px; padding: 0 24px; border: 0; border-radius: 999px; background: transparent; font-size: 1.05rem; cursor: pointer; color: var(--ink-2); transition: background-color .25s ease, color .25s ease; }
.tab:hover { color: var(--ink); }
.tab.is-active { background: var(--blue); color: #fff; }
.tab-pause { flex: 0 0 auto; width: 50px; height: 50px; margin-left: 6px; border: 0; border-radius: 50%; background: #fff; cursor: pointer; display: grid; place-items: center; }
.tab-pause svg { width: 18px; height: 18px; fill: var(--ink); }
.tab-pause .i-play, .tab-pause[data-playing="false"] .i-pause { display: none; }
.tab-pause[data-playing="false"] .i-play { display: block; }

.how__stage { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: center; max-width: 1040px; margin: 0 auto; }
.how__copy { position: relative; min-height: 280px; }
.step-copy { position: absolute; inset: 0; opacity: 0; transform: translateY(12px); transition: opacity .45s ease, transform .45s ease; pointer-events: none; }
.step-copy.is-active { opacity: 1; transform: none; pointer-events: auto; }
.step-copy__n { font-family: var(--f-mono); font-size: .85rem; color: var(--orange); }
.step-copy h3 { font-family: var(--f-display); font-weight: 600; font-size: clamp(1.8rem, 3vw, 2.5rem); letter-spacing: -0.035em; line-height: 1.05; margin: 12px 0 18px; }
.step-copy p { color: var(--muted); font-size: 1.1rem; margin: 0; max-width: 30rem; }
.step-copy strong { color: var(--ink); font-weight: 600; }
.how__phone { display: flex; justify-content: center; }
.screen { position: absolute; inset: 46px 18px 18px; opacity: 0; transform: translateX(16px); transition: opacity .4s ease, transform .4s ease; }
.screen.is-active { opacity: 1; transform: none; }
.screen .scr-btn { left: 0; right: 0; bottom: 28px; }
.screen > .scr-fine:last-child { left: 0; right: 0; bottom: 0; }

/* ---------- sides ---------- */
.sides .h2 { margin-bottom: clamp(48px, 6vw, 80px); }
.sides__grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.side-card { padding: 36px; border-radius: var(--radius); background: var(--soft); display: flex; flex-direction: column; }
.side-card h3 { font-family: var(--f-display); font-size: 1.9rem; letter-spacing: -0.035em; font-weight: 600; margin: 0 0 10px; }
.side-card__intro { color: var(--muted); margin: 0 0 32px; flex: 1; }
.side-card dl { margin: 0; }
.side-card dl div { display: grid; grid-template-columns: 60px 1fr; gap: 12px; padding: 14px 0; border-top: 1px solid rgba(14,26,43,.1); }
.side-card dt { font-size: .78rem; font-weight: 600; letter-spacing: .12em; text-transform: uppercase; color: var(--muted); padding-top: 3px; }
.side-card dd { margin: 0; font-weight: 500; }
.side-card--blue { background: linear-gradient(160deg, #2B4EF0 0%, #1B2F8F 100%); color: #fff; position: relative; overflow: hidden; }
.side-card--blue::before { content: ""; position: absolute; width: 320px; height: 320px; right: -120px; top: -140px; border-radius: 50%; background: radial-gradient(circle, rgba(238,122,59,.55), rgba(238,122,59,0) 70%); }
.side-card--blue > * { position: relative; }
.side-card--blue .side-card__intro, .side-card--blue dt { color: rgba(255,255,255,.72); }
.side-card--blue dl div { border-top-color: rgba(255,255,255,.2); }

/* ---------- stats ---------- */
.stats { padding-top: 0; }
.stats__grid { display: grid; grid-template-columns: 0.8fr 1.2fr; gap: 64px; align-items: start; }
.stats__intro { position: sticky; top: 120px; }
.stats__intro p { color: var(--muted); font-size: 1.12rem; margin: 24px 0 32px; max-width: 26rem; }
.stats__list { margin: 0; }
.stat { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; align-items: start; padding: 28px 0 36px; border-top: 1px solid var(--line); }
.stat__num { font-family: var(--f-display); font-weight: 600; font-size: clamp(3.4rem, 7vw, 6rem); line-height: 0.95; letter-spacing: -0.06em; color: var(--blue); }
.stat dd { margin: 10px 0 0; font-family: var(--f-display); font-size: 1.35rem; letter-spacing: -0.02em; line-height: 1.25; font-weight: 500; }

/* ---------- dev (merchants) ---------- */
.dev { background: var(--night); color: #fff; position: relative; overflow: hidden; }
.dev::before { content: ""; position: absolute; width: 700px; height: 700px; left: -260px; bottom: -380px; border-radius: 50%; background: radial-gradient(circle, rgba(43,78,240,.35), rgba(43,78,240,0) 65%); pointer-events: none; }
.dev__grid { position: relative; display: grid; grid-template-columns: 0.9fr 1.1fr; gap: 64px; align-items: center; }
.ticks { list-style: none; padding: 0; margin: 36px 0 40px; display: grid; gap: 18px; }
.ticks li { position: relative; padding-left: 34px; color: rgba(255,255,255,.72); }
.ticks li::before { content: ""; position: absolute; left: 0; top: 4px; width: 20px; height: 20px; border-radius: 50%; background: rgba(143,166,255,.18) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%238FA6FF' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M6 12.5l4 4L18 8'/%3E%3C/svg%3E") no-repeat center / 12px; }
.ticks strong { color: #fff; font-weight: 600; }
.code { border-radius: 28px; background: #141A2A; box-shadow: 0 0 0 1px rgba(143,166,255,.18), 0 40px 80px -40px rgba(0,0,0,.8); overflow: hidden; min-width: 0; }
.code__bar { display: flex; align-items: center; gap: 16px; padding: 16px 22px; border-bottom: 1px solid rgba(255,255,255,.07); }
.code__dots { display: flex; gap: 7px; }
.code__dots i { width: 12px; height: 12px; border-radius: 50%; background: #FF5F57; }
.code__dots i:nth-child(2) { background: #FEBC2E; }
.code__dots i:nth-child(3) { background: #28C840; }
.code__file { font-family: var(--f-mono); font-size: .85rem; color: rgba(255,255,255,.55); }
.code__tag { margin-left: auto; font-family: var(--f-mono); font-size: .72rem; padding: 4px 10px; border-radius: 999px; background: rgba(238,122,59,.15); color: #FFB07F; }
.code pre { margin: 0; padding: 26px 26px 30px; overflow-x: auto; font-family: var(--f-mono); font-size: .88rem; line-height: 1.75; color: #D5DBEA; }
.code .c { color: #6F7C99; }
.code .k { color: #C792EA; }
.code .s { color: #F2B482; }
.code .f { color: #82AAFF; }
.code .n { color: #F78C6C; }
.code .t { color: #89DDFF; }
.code .a { color: #C3E88D; }

/* ---------- banks ---------- */
.banks__head { display: flex; justify-content: space-between; align-items: end; gap: 32px; flex-wrap: wrap; margin-bottom: 56px; }
.banks__grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.bank-card { min-height: 380px; padding: 36px 32px; border-radius: var(--radius); background: var(--blue-soft); display: flex; flex-direction: column; }
.bank-card h3 { font-family: var(--f-display); font-size: 1.55rem; line-height: 1.1; letter-spacing: -0.03em; font-weight: 600; margin: 0 0 18px; }
.bank-card p { margin: 0; color: var(--ink-2); }
.bank-card--feature {
  color: #fff;
  background:
    radial-gradient(circle at 20% 110%, rgba(143,166,255,.6), rgba(143,166,255,0) 45%),
    radial-gradient(circle at 110% 0%, rgba(238,122,59,.45), rgba(238,122,59,0) 50%),
    linear-gradient(170deg, #2B4EF0, #0F1F6B);
}
.bank-card--feature p { color: rgba(255,255,255,.82); }

/* ---------- faq ---------- */
.faq { background: var(--paper); padding-bottom: calc(var(--section) * .8); }
.faq__list { margin-top: 64px; border-top: 1px solid var(--line); }
.faq details { border-bottom: 1px solid var(--line); }
.faq summary {
  list-style: none; cursor: pointer; display: flex; justify-content: space-between; align-items: center; gap: 24px;
  padding: 28px 0; font-family: var(--f-display); font-size: clamp(1.2rem, 2.2vw, 1.6rem); font-weight: 500; letter-spacing: -0.02em; color: var(--blue);
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after {
  content: ""; flex: 0 0 44px; height: 44px; border-radius: 50%;
  background: #EEF0F3 url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%230E1A2B' stroke-width='2'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E") no-repeat center / 16px;
  transition: transform .25s ease, background-color .25s ease;
}
.faq summary:hover::after { background-color: #D6DEFF; }
.faq details[open] summary::after { transform: rotate(180deg); background-color: #D6DEFF; }
.faq details p { margin: -8px 0 28px; color: var(--muted); font-size: 1.08rem; max-width: 46rem; }

/* ---------- cta ---------- */
.cta { position: relative; isolation: isolate; overflow: hidden; padding-block: clamp(90px, 12vw, 160px); }
.cta__glow { transform: scaleY(-1); }
.cta__glow::after { inset: auto 0 0; height: 40%; }

/* ---------- footer ---------- */
.footer { background: #0A0C10; color: #fff; padding: 72px 0 40px; overflow: hidden; }
.footer__cols { display: grid; grid-template-columns: repeat(3, minmax(0, 220px)); gap: 32px; }
.footer__cols a { display: block; text-decoration: none; padding: 6px 0; font-size: 1.05rem; }
.footer__cols a:hover { color: #8FA6FF; }
.footer__h { color: rgba(255,255,255,.5); font-size: .9rem; margin: 0 0 14px; }
.footer__bottom { display: grid; grid-template-columns: 1fr 1.2fr; gap: 40px; align-items: end; margin-top: 96px; }
.footer__legal { color: rgba(255,255,255,.55); font-size: .88rem; margin: 0; max-width: 32rem; }
.footer__word { display: flex; align-items: center; justify-content: flex-end; gap: 0.12em; margin: 0; font-family: var(--f-display); font-weight: 700; font-size: clamp(4rem, 12vw, 11rem); line-height: .8; letter-spacing: -0.06em; }
.footer__word svg { width: 0.62em; height: 0.62em; flex: none; }

/* ---------- reveal ---------- */
.reveal { opacity: 0; transform: translateY(18px); transition: opacity .8s cubic-bezier(.2,.7,.2,1), transform .8s cubic-bezier(.2,.7,.2,1); }
.reveal.is-in { opacity: 1; transform: none; }
.no-js .reveal { opacity: 1; transform: none; }

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation: none !important; transition: none !important; }
  .reveal { opacity: 1; transform: none; }
}

/* ---------- responsive ---------- */
@media (max-width: 1080px) {
  .banks__grid { grid-template-columns: repeat(2, 1fr); }
  .bank-card { min-height: 260px; }
  .dev__grid { grid-template-columns: 1fr; }
}
@media (max-width: 960px) {
  .nav__links, .nav__cta { display: none; }
  .nav__toggle { display: block; }
  .nav.is-open { background: #fff; }
  .hero { padding-top: 120px; }
  .hero__grid { grid-template-columns: 1fr; gap: 56px; }
  .hero__copy { text-align: center; }
  .hero__copy .lede, .hero__copy .signup { margin-inline: auto; }
  .signup__msg { left: 0; right: 0; text-align: center; }
  .how__stage { grid-template-columns: 1fr; gap: 40px; }
  .how__copy { min-height: 230px; text-align: center; }
  .step-copy p { margin-inline: auto; }
  .how__phone { order: -1; }
  .sides__grid { grid-template-columns: 1fr; }
  .stats__grid { grid-template-columns: 1fr; gap: 40px; }
  .stats__intro { position: static; }
  .footer__bottom { grid-template-columns: 1fr; }
  .footer__word { justify-content: flex-start; }
}
@media (max-width: 720px) {
  .problem__grid { grid-template-columns: 1fr; }
  .problem__card, .problem__card + .problem__card { padding: 28px 0; border-left: 0; }
  .problem__card + .problem__card { border-top: 1px solid var(--line); }
  .tabs { justify-content: flex-start; margin-bottom: 40px; }
  .tab { height: 44px; padding: 0 16px; font-size: .95rem; }
  .tab-pause { width: 44px; height: 44px; }
  .stat { grid-template-columns: 1fr; gap: 4px; padding: 24px 0; }
  .banks__grid { grid-template-columns: 1fr; }
  .bank-card { min-height: 0; }
  .footer__cols { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 560px) {
  .signup { border-radius: 24px; flex-direction: column; }
  .signup input[type="email"], .signup input[type="text"], .signup select { flex: 0 0 auto; width: 100%; background-color: var(--soft); border-radius: 16px; }
  .signup select { background-color: var(--soft); }
  .signup .btn { width: 100%; border-radius: 16px; }
  .signup__msg { position: static; padding: 4px 0; }
  .signup__msg:empty { display: none; }
  .signup--stack .signup__row { flex-direction: column; }
  .pill-badge { justify-content: center; font-size: .8rem; gap: 10px; }
  .float-card { min-width: 0; padding: 10px 14px; }
  .float-card strong { font-size: 17px; }
  .float-card { display: none; }
  .phone { width: 270px; }
  .phone--lg { width: 290px; }
  .phone--hero { width: 310px; }
  .side-card, .bank-card { padding: 28px 24px; }
  .code pre { font-size: .78rem; padding: 20px; }
}

/* ---------- brand wordmark ---------- */
.brand { font-family: var(--f-brand); font-weight: 600; font-size: 1.5rem; letter-spacing: -0.03em; }
.footer__word { font-family: var(--f-brand); font-weight: 600; letter-spacing: -0.045em; }