/* ==========================================================================
   NeoCash — neocash.ng
   Static website recreated from the Claude Design handoff (desktop + mobile DCs).
   Desktop values are the base; the mobile layout takes over below 880px.
   ========================================================================== */

/* ---------- Design tokens ---------- */
:root {
  --ink: #2D3261;          /* primary text / dark surfaces */
  --ink-deep: #1A1D3D;     /* footer, BNPL band, store buttons */
  --muted: #75789A;        /* secondary text */
  --legal: #4B4E6C;        /* legal body copy */
  --violet: #917CFF;       /* brand accent */
  --violet-hover: #8169F2;
  --violet-wash: #F0EDFF;  /* light lavender surfaces */
  --yellow: #FFDA2C;       /* brand yellow */
  --blue: #1A47B8;
  --border: #E9EAF0;
  --surface: #F7F8FA;      /* light gray section bg */
  --white: #FFFFFF;
  --maxw: 1200px;
  --pad: 32px;             /* desktop horizontal padding */
  --shadow-card: 0 1px 2px -1px rgba(26,26,26,.05);
  --shadow-lift: 0 1px 2px -1px rgba(26,26,26,.05), 0 10px 20px 0 rgba(26,26,26,.05);
  --ease: cubic-bezier(.4,0,.2,1);
  --font-head: 'Clash Grotesk', 'Geist', system-ui, sans-serif;
  --font-body: 'Geist', system-ui, sans-serif;
  --font-mono: 'DM Mono', ui-monospace, monospace;
}

/* ---------- Reset / base ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { background: var(--white); -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--font-body);
  color: var(--ink);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
  overflow-x: hidden;
}
img { max-width: 100%; }
a { color: inherit; }
h1, h2, h3, h4 { font-weight: 700; }
button { font-family: inherit; }
:focus-visible { outline: 2px solid var(--violet); outline-offset: 2px; border-radius: 4px; }
.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;
}
/* Responsive copy: .dk-only shows on desktop only, .mb-only on mobile only */
.mb-only { display: none; }

/* ---------- Layout helpers ---------- */
.wrap { max-width: var(--maxw); margin: 0 auto; padding-left: var(--pad); padding-right: var(--pad); }
.section { padding-top: 96px; padding-bottom: 96px; }
.section--gray { background: var(--surface); border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); }
.section-head { display: flex; flex-direction: column; gap: 12px; margin-bottom: 48px; max-width: 640px; }
.eyebrow { font-size: 13px; font-weight: 600; letter-spacing: .08em; text-transform: uppercase; color: var(--violet); }
.h2 { font-family: var(--font-head); font-weight: 700; font-size: 44px; line-height: 1.05; letter-spacing: -0.025em; color: var(--ink); margin: 0; text-wrap: pretty; }

/* ---------- Buttons / atoms ---------- */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 8px; cursor: pointer; text-decoration: none; border: none; font-weight: 600; transition: background 150ms var(--ease), opacity 150ms var(--ease); }
.btn-violet { background: var(--violet); color: #fff; font-size: 14px; padding: 11px 20px; border-radius: 8px; }
.btn-violet:hover { background: var(--violet-hover); }
.btn-outline { background: transparent; color: var(--ink); font-size: 14px; padding: 12px 20px; border: 1px solid var(--border); border-radius: 8px; }
.btn-outline:hover { background: var(--surface); }
.btn-yellow { background: var(--yellow); color: var(--ink); font-size: 14px; padding: 12px 20px; border-radius: 8px; }
.btn-yellow:hover { opacity: .88; }
.btn-ghost-chat {
  display: flex; align-items: center; gap: 8px; font-size: 14px; font-weight: 500; color: var(--ink);
  text-decoration: none; padding: 10px 16px; border: 1px solid var(--border); border-radius: 8px;
  transition: background 150ms var(--ease);
}
.btn-ghost-chat:hover { background: var(--surface); }

/* Store (app store / play) buttons */
.store-btns { display: flex; gap: 12px; }
.store-btn {
  display: flex; align-items: center; gap: 10px; background: var(--ink-deep); color: #fff;
  text-decoration: none; padding: 12px 20px; border-radius: 10px; transition: opacity 150ms;
}
.store-btn:hover { opacity: .88; }
.store-btn .label { display: flex; flex-direction: column; line-height: 1.15; text-align: left; }
.store-btn .label .top { font-size: 10px; letter-spacing: .04em; opacity: .75; }
.store-btn .label .bot { font-size: 16px; font-weight: 600; }

/* ---------- Promo banner ---------- */
.banner { position: relative; background: var(--ink); overflow: hidden; }
.banner[hidden] { display: none; }
.banner .dots { position: absolute; inset: 0; background-image: radial-gradient(rgba(255,255,255,.06) 1px, transparent 1px); background-size: 22px 22px; pointer-events: none; }
.banner-inner { position: relative; max-width: var(--maxw); margin: 0 auto; min-height: 48px; display: flex; align-items: center; justify-content: center; gap: 16px; padding: 9px 56px 9px 32px; }
.banner-msg { display: flex; align-items: center; gap: 13px; flex-wrap: wrap; justify-content: center; }
.pill-new {
  display: inline-flex; align-items: center; font-family: var(--font-head); font-weight: 600; font-size: 12px;
  letter-spacing: .02em; color: var(--ink); background: var(--yellow); padding: 4px 10px; border-radius: 9999px; text-transform: uppercase; flex-shrink: 0;
}
.banner-text { font-size: 14.5px; color: #fff; line-height: 1.4; }
.banner-text strong { font-weight: 600; }
.banner-cta { display: inline-flex; align-items: center; gap: 6px; font-size: 14px; font-weight: 600; color: var(--yellow); text-decoration: none; white-space: nowrap; }
.banner-cta:hover { color: #fff; }
.banner-dismiss {
  position: absolute; right: 22px; top: 50%; transform: translateY(-50%); width: 30px; height: 30px;
  display: flex; align-items: center; justify-content: center; border-radius: 7px; cursor: pointer;
  background: transparent; border: none; transition: background 150ms var(--ease);
}
.banner-dismiss:hover { background: rgba(255,255,255,.12); }
.banner-mobile { display: none; }

/* ---------- Nav ---------- */
.nav { position: sticky; top: 0; z-index: 50; background: rgba(255,255,255,.92); backdrop-filter: blur(8px); border-bottom: 1px solid var(--border); }
.nav-inner { max-width: var(--maxw); margin: 0 auto; height: 76px; display: flex; align-items: center; justify-content: space-between; padding: 0 32px; }
.nav-logo { height: 34px; cursor: pointer; display: block; }
.nav-links { display: flex; align-items: center; gap: 36px; }
.nav-links a { font-size: 15px; font-weight: 500; color: var(--muted); cursor: pointer; text-decoration: none; transition: color 150ms var(--ease); }
.nav-links a:hover { color: var(--ink); }
.nav-links a[aria-current="page"] { color: var(--ink); font-weight: 600; }
.nav-actions { display: flex; align-items: center; gap: 12px; }
.nav-toggle { display: none; }
.nav-menu { display: none; }

/* ---------- Hero ---------- */
.hero { position: relative; overflow: hidden; background: linear-gradient(180deg, #F5F2FF 0%, #FDFCFF 55%, #FFFFFF 100%); }
.hero-grid-bg { position: absolute; inset: 0; background-image: radial-gradient(rgba(145,124,255,.35) 1.2px, transparent 1.2px); background-size: 26px 26px; -webkit-mask-image: radial-gradient(120% 92% at 50% 0%, #000 28%, transparent 74%); mask-image: radial-gradient(120% 92% at 50% 0%, #000 28%, transparent 74%); pointer-events: none; }
.hero-blob { position: absolute; border-radius: 9999px; filter: blur(24px); pointer-events: none; }
.hero-blob.violet { top: -140px; left: -110px; width: 520px; height: 520px; background: radial-gradient(circle, rgba(145,124,255,.24), transparent 70%); }
.hero-blob.yellow { bottom: -180px; right: 8%; width: 480px; height: 480px; background: radial-gradient(circle, rgba(255,218,44,.20), transparent 70%); }
.hero-inner { position: relative; max-width: var(--maxw); margin: 0 auto; padding: 72px 32px 96px; display: grid; grid-template-columns: 1.1fr .9fr; gap: 64px; align-items: center; }
.hero-copy { display: flex; flex-direction: column; align-items: flex-start; gap: 28px; }
.badge-cbn { display: inline-flex; align-items: center; gap: 8px; background: var(--violet-wash); color: var(--ink); font-size: 13px; font-weight: 500; padding: 7px 14px; border-radius: 9999px; }
.hero h1 { font-family: var(--font-head); font-weight: 700; font-size: 76px; line-height: .98; letter-spacing: -0.025em; color: var(--ink); margin: 0; text-wrap: pretty; }
.hl { background: linear-gradient(transparent 58%, var(--yellow) 58%, var(--yellow) 94%, transparent 94%); padding: 0 4px; margin: 0 -4px; }
.hero-sub { font-size: 18px; line-height: 28px; color: var(--muted); margin: 0; max-width: 460px; }
.hero-stats { display: flex; gap: 36px; margin-top: 8px; }
.stat { display: flex; flex-direction: column; gap: 2px; }
.stat .num { font-family: var(--font-head); font-weight: 600; font-size: 26px; letter-spacing: -0.02em; }
.stat .cap { font-size: 13px; color: var(--muted); }
.stat-div { width: 1px; background: var(--border); }
.hero-stats-box { display: none; }

/* Hero visual */
.hero-visual { position: relative; background: linear-gradient(155deg, #F0EDFF 0%, #E7E1FF 60%, #EFE9FF 100%); border-radius: 28px; height: 620px; display: flex; align-items: flex-end; justify-content: center; overflow: visible; box-shadow: inset 0 1px 0 rgba(255,255,255,.6), 0 30px 60px -30px rgba(145,124,255,.45); }
.phone { width: 290px; height: 560px; background: #fff; border: 8px solid var(--ink-deep); border-bottom: none; border-radius: 44px 44px 0 0; overflow: hidden; box-shadow: 0 4px 6px -1px rgba(26,26,26,.05), 0 10px 20px 0 rgba(26,26,26,.08); }
.phone img { width: 274px; height: 552px; object-fit: cover; object-position: top center; display: block; }
.name-pill { position: absolute; }
.name-pill svg { position: absolute; left: -8px; top: -30px; width: 34px; height: 44px; }
.name-pill .pill { font-family: var(--font-head); font-weight: 500; font-size: 21px; letter-spacing: -0.025em; padding: 13px 20px; border-radius: 9999px; box-shadow: 0 4px 6px -1px rgba(26,26,26,.05), 0 10px 20px 0 rgba(26,26,26,.05); white-space: nowrap; }
.pill.violet { background: var(--violet); color: #fff; }
.pill.yellow { background: var(--yellow); color: var(--ink); }
.pill.navy { background: var(--ink); color: #fff; }
.name-pill.p1 { top: 64px; left: -28px; }
.name-pill.p2 { top: 180px; right: -36px; }
.name-pill.p3 { bottom: 90px; left: -44px; }
.name-pill.m1, .name-pill.m2 { display: none; }

/* ---------- Perk strip ---------- */
.perks { border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); background: var(--surface); }
.perks-inner { max-width: var(--maxw); margin: 0 auto; padding: 20px 32px; display: flex; justify-content: space-between; gap: 16px; flex-wrap: wrap; }
.perk { display: flex; align-items: center; gap: 8px; font-size: 14px; font-weight: 500; color: var(--ink); }
.perk svg { flex-shrink: 0; }

/* ---------- Why / feature cards ---------- */
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.feature-card { background: #fff; border: 1px solid var(--border); border-radius: 20px; padding: 28px 24px; display: flex; flex-direction: column; gap: 14px; box-shadow: var(--shadow-card); transition: box-shadow 150ms var(--ease); }
.feature-card:hover { box-shadow: var(--shadow-lift); }
.icon-chip { width: 44px; height: 44px; border-radius: 12px; background: var(--violet-wash); display: flex; align-items: center; justify-content: center; }
.feature-card h4 { font-size: 18px; font-weight: 600; margin: 0; color: var(--ink); }
.feature-card p { font-size: 14px; line-height: 21px; color: var(--muted); margin: 0; }

/* ---------- Process ---------- */
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.step { background: #fff; border: 1px solid var(--border); border-radius: 24px; padding: 32px 28px; display: flex; flex-direction: column; gap: 18px; }
.step.dark { background: var(--ink); border-color: var(--ink); }
.step .n { font-family: var(--font-head); font-weight: 700; font-size: 56px; line-height: 1; letter-spacing: -0.025em; color: var(--violet); }
.step.dark .n { color: var(--yellow); }
.step h4 { font-size: 20px; font-weight: 600; margin: 0; color: var(--ink); }
.step.dark h4 { color: #fff; }
.step p { font-size: 15px; line-height: 23px; color: var(--muted); margin: 0; }
.step.dark p { color: rgba(255,255,255,.72); }

/* ---------- Testimonials ---------- */
.tcard { background: #fff; border: 1px solid var(--border); border-radius: 24px; padding: 28px; display: flex; flex-direction: column; gap: 16px; box-shadow: var(--shadow-lift); }
.stars { display: flex; gap: 3px; }
.tcard p { font-size: 15px; line-height: 24px; color: var(--ink); margin: 0; flex: 1; }
.tperson { display: flex; align-items: center; gap: 12px; }
.avatar { width: 40px; height: 40px; border-radius: 9999px; display: flex; align-items: center; justify-content: center; font-family: var(--font-head); font-weight: 600; font-size: 15px; }
.avatar.violet { background: var(--violet-wash); color: var(--violet); }
.avatar.yellow { background: #FFF6D6; color: #D4AF2C; }
.avatar.blue { background: #E3EBFF; color: var(--blue); }
.tperson .name { font-size: 14px; font-weight: 600; }
.tperson .role { font-size: 12px; color: var(--muted); }
.tperson .meta { display: flex; flex-direction: column; }

/* ---------- BNPL / For merchants band ---------- */
.bnpl-wrap { max-width: var(--maxw); margin: 0 auto; padding: 8px 32px 96px; }
.bnpl { position: relative; background: var(--ink-deep); border-radius: 28px; padding: 64px; display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: center; overflow: hidden; }
.bnpl .glow { position: absolute; top: -120px; right: -60px; width: 380px; height: 380px; border-radius: 9999px; background: radial-gradient(circle, rgba(255,218,44,.16), transparent 70%); pointer-events: none; }
.bnpl .dots { position: absolute; inset: 0; background-image: radial-gradient(rgba(255,255,255,.05) 1px, transparent 1px); background-size: 26px 26px; pointer-events: none; }
.bnpl-copy { position: relative; display: flex; flex-direction: column; align-items: flex-start; gap: 22px; }
.bnpl-copy .eyebrow { color: var(--yellow); }
.bnpl-copy h2 { font-family: var(--font-head); font-weight: 700; font-size: 46px; line-height: 1.02; letter-spacing: -0.025em; color: #fff; margin: 0; text-wrap: pretty; }
.bnpl-copy h2 span { color: var(--yellow); }
.bnpl-copy p { font-size: 17px; line-height: 27px; color: rgba(255,255,255,.72); margin: 0; max-width: 450px; }
.bnpl-badges { display: flex; gap: 10px; flex-wrap: wrap; }
.bnpl-badge { display: inline-flex; align-items: center; gap: 7px; font-size: 13px; font-weight: 500; color: #fff; background: rgba(255,255,255,.08); padding: 8px 13px; border-radius: 9999px; white-space: nowrap; }
.bnpl-visual { position: relative; }
.checkout { background: #fff; border-radius: 20px; padding: 24px; box-shadow: 0 24px 60px -20px rgba(0,0,0,.45); display: flex; flex-direction: column; gap: 16px; max-width: 380px; margin-left: auto; }
.checkout-head { display: flex; align-items: center; justify-content: space-between; }
.checkout-head .tag { font-family: var(--font-mono); font-size: 11px; color: var(--muted); text-transform: uppercase; letter-spacing: .06em; }
.checkout-item { display: flex; align-items: flex-start; gap: 12px; }
.checkout-thumb { width: 52px; height: 52px; border-radius: 10px; background: linear-gradient(135deg, #c8c8d4, #6a6c8a); flex: none; }
.checkout-item .title { font-weight: 600; font-size: 14px; color: var(--ink); }
.checkout-item .sub { font-size: 12.5px; color: var(--muted); margin-top: 2px; }
.checkout-item .price { font-weight: 700; font-size: 14px; color: var(--ink); }
.checkout-pay { border-top: 1px solid var(--border); padding-top: 16px; display: flex; flex-direction: column; gap: 8px; }
.checkout-pay .lbl { font-size: 12.5px; color: var(--muted); }
.pay-opt { display: flex; align-items: center; gap: 12px; padding: 11px 13px; border-radius: 10px; border: 1px solid var(--border); }
.pay-opt.sel { border: 1.5px solid var(--violet); background: var(--violet-wash); }
.radio { width: 17px; height: 17px; border-radius: 9999px; border: 1.5px solid var(--border); }
.radio.on { border: 5px solid var(--violet); }
.pay-opt .opt-title { font-size: 13.5px; font-weight: 600; color: var(--ink); }
.pay-opt .opt-sub { font-size: 12px; color: var(--muted); margin-top: 1px; }
.checkout-btn { width: 100%; height: 46px; border-radius: 12px; border: none; background: var(--violet); color: #fff; font-weight: 700; font-size: 14.5px; cursor: pointer; display: inline-flex; align-items: center; justify-content: center; gap: 8px; }
.settled-pill { position: absolute; bottom: -18px; left: -14px; background: var(--blue); color: #fff; font-family: var(--font-head); font-weight: 500; font-size: 16px; letter-spacing: -0.02em; padding: 10px 16px; border-radius: 9999px; box-shadow: 0 10px 20px 0 rgba(26,26,26,.18); }
.bnpl-mcta { display: none; }

/* ---------- FAQ ---------- */
.faq-wrap { max-width: 880px; margin: 0 auto; padding: 96px 32px; }
.faq-list { display: flex; flex-direction: column; gap: 12px; }
.faq-item { background: #fff; border: 1px solid var(--border); border-radius: 16px; overflow: hidden; }
.faq-q { display: flex; align-items: center; justify-content: space-between; gap: 16px; padding: 22px 26px; cursor: pointer; width: 100%; text-align: left; background: transparent; border: none; transition: background 150ms var(--ease); }
.faq-q:hover { background: var(--surface); }
.faq-q span { font-size: 17px; font-weight: 600; color: var(--ink); }
.faq-chev { flex-shrink: 0; transition: transform 150ms var(--ease); }
.faq-item.open .faq-chev { transform: rotate(180deg); }
.faq-a { font-size: 15px; line-height: 24px; color: var(--muted); margin: 0; padding: 0 26px 22px; }
.faq-item:not(.open) .faq-a { display: none; }
#faq { scroll-margin-top: 90px; }

/* ---------- Page hero (Products / About / Legal) ---------- */
.page { max-width: var(--maxw); margin: 0 auto; padding: 72px 32px 96px; }
.page-head { display: flex; flex-direction: column; gap: 16px; max-width: 680px; margin-bottom: 56px; }
.page-head.about { max-width: 760px; margin-bottom: 64px; }
.page-head h1 { font-family: var(--font-head); font-weight: 700; font-size: 64px; line-height: 1; letter-spacing: -0.025em; color: var(--ink); margin: 0; text-wrap: pretty; }
.page-head.about h1 { line-height: 1.02; }
.page-head .lead { font-size: 18px; line-height: 28px; color: var(--muted); margin: 0; }

/* ---------- Products ---------- */
.products-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 20px; align-items: stretch; }
.pcard { background: #fff; border: 1px solid var(--border); border-radius: 28px; padding: 34px 32px; display: flex; flex-direction: column; gap: 22px; }
.pcard.dark { position: relative; background: var(--ink); border-color: var(--ink); box-shadow: 0 4px 6px -1px rgba(26,26,26,.08), 0 10px 20px 0 rgba(26,26,26,.1); }
.pcard-head { display: flex; flex-direction: column; gap: 8px; }
.pcard-title { display: flex; align-items: baseline; gap: 11px; }
.pcard-title h3 { font-family: var(--font-head); font-weight: 600; font-size: 28px; letter-spacing: -0.02em; margin: 0; color: var(--ink); }
.pcard.dark .pcard-title h3 { color: #fff; }
.pcard-title .kind { font-size: 13px; font-weight: 500; color: var(--violet); }
.pcard.dark .pcard-title .kind { color: #C9BBFF; }
.pcard-desc { font-size: 14px; line-height: 21px; color: var(--muted); margin: 0; }
.pcard.dark .pcard-desc { color: rgba(255,255,255,.7); }
.popular { position: absolute; top: -14px; right: 24px; background: var(--yellow); color: var(--ink); font-size: 12px; font-weight: 600; padding: 6px 12px; border-radius: 9999px; }
.pamount { display: flex; align-items: flex-end; justify-content: space-between; gap: 12px; background: var(--surface); border-radius: 16px; padding: 18px 20px; }
.pcard.dark .pamount { background: rgba(255,255,255,.06); }
.pamount .big { font-family: var(--font-head); font-weight: 700; font-size: 32px; letter-spacing: -0.025em; color: var(--ink); }
.pcard.dark .pamount .big { color: var(--yellow); }
.pamount .lbl { font-size: 13px; color: var(--muted); }
.pcard.dark .pamount .lbl { color: rgba(255,255,255,.7); }
.pamount .rate { font-size: 13px; font-weight: 500; color: var(--ink); text-align: right; }
.pcard.dark .pamount .rate { color: #fff; }
.pamount .rate small { font-size: 11px; color: var(--muted); }
.pcard.dark .pamount .rate small { color: rgba(255,255,255,.6); }
.pterms { display: flex; flex-direction: column; gap: 10px; }
.pterm { display: flex; justify-content: space-between; gap: 12px; font-size: 14px; }
.pterm .k { color: var(--muted); }
.pcard.dark .pterm .k { color: rgba(255,255,255,.6); }
.pterm .v { color: var(--ink); font-weight: 500; text-align: right; }
.pcard.dark .pterm .v { color: #fff; }
.pdiv { height: 1px; background: var(--border); }
.pcard.dark .pdiv { background: rgba(255,255,255,.14); }
.pneed { display: flex; flex-direction: column; gap: 11px; flex: 1; }
.pneed .lbl { font-size: 11px; font-weight: 600; letter-spacing: .07em; text-transform: uppercase; color: var(--muted); }
.pcard.dark .pneed .lbl { color: rgba(255,255,255,.55); }
.pneed-item { display: flex; align-items: flex-start; gap: 10px; font-size: 14px; line-height: 20px; color: var(--ink); }
.pcard.dark .pneed-item { color: #fff; }
.pneed-item svg { margin-top: 2px; flex-shrink: 0; }
.products-note { font-size: 13px; line-height: 20px; color: var(--muted); margin: 40px 0 0; }

/* ---------- About ---------- */
.about-cards { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; margin-bottom: 64px; }
.about-card { border-radius: 28px; padding: 40px; display: flex; flex-direction: column; gap: 16px; }
.about-card.lav { background: var(--violet-wash); }
.about-card.lav h3 { font-family: var(--font-head); font-weight: 600; font-size: 26px; letter-spacing: -0.02em; margin: 0; color: var(--ink); }
.about-card.lav p { font-size: 15px; line-height: 24px; color: var(--ink); margin: 0; opacity: .8; }
.about-card.lav a { color: inherit; text-decoration: underline; text-underline-offset: 2px; transition: opacity 150ms; }
.about-card.lav a:hover { opacity: .7; }
.about-card.dark { background: var(--ink); }
.about-card.dark h3 { font-family: var(--font-head); font-weight: 600; font-size: 26px; letter-spacing: -0.02em; margin: 0; color: var(--yellow); }
.belief { display: flex; flex-direction: column; gap: 12px; }
.belief span { display: flex; align-items: flex-start; gap: 10px; font-size: 15px; line-height: 23px; color: #fff; }
.belief span svg { margin-top: 3px; flex-shrink: 0; }
.contact-card { background: #fff; border: 1px solid var(--border); border-radius: 28px; padding: 40px; display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 32px; }
.contact-col { display: flex; flex-direction: column; gap: 10px; }
.contact-col .ttl { display: flex; align-items: center; gap: 10px; }
.contact-col .ttl span { font-size: 15px; font-weight: 600; }
.contact-col p { font-size: 14px; line-height: 22px; color: var(--muted); margin: 0; }
.contact-col a { color: var(--muted); text-decoration: none; }
.contact-col a:hover { color: var(--ink); }

/* ---------- Legal ---------- */
.legal-hero { background: linear-gradient(180deg, #F5F2FF 0%, #FFFFFF 100%); border-bottom: 1px solid var(--border); }
.legal-hero-inner { max-width: 760px; margin: 0 auto; padding: 64px 20px 44px; display: flex; flex-direction: column; gap: 14px; }
.legal-hero h1 { font-family: var(--font-head); font-weight: 700; font-size: 56px; line-height: 1; letter-spacing: -0.025em; color: var(--ink); margin: 0; }
.legal-hero .lead { font-size: 17px; line-height: 26px; color: var(--muted); margin: 0; }
.legal-hero .lead a { color: inherit; text-decoration: underline; text-underline-offset: 2px; transition: opacity 150ms; }
.legal-hero .lead a:hover { opacity: .7; }
.legal-hero .updated { font-size: 13px; color: var(--muted); }
.legal-body { font-family: var(--font-body); font-size: 15.5px; line-height: 1.72; color: var(--legal); display: flex; flex-direction: column; gap: 34px; max-width: 760px; margin: 0 auto; padding: 52px 20px 72px; }
.legal-body section { display: flex; flex-direction: column; gap: 11px; }
.legal-body h2 { font-family: var(--font-head); font-weight: 600; font-size: 25px; letter-spacing: -0.02em; color: var(--ink); margin: 0; line-height: 1.15; }
.legal-body h3 { font-weight: 600; font-size: 16.5px; color: var(--ink); margin: 4px 0 0; }
.legal-body h3.gap8 { margin-top: 8px; }
.legal-body p { margin: 0; }
.legal-body strong { color: var(--ink); }
.legal-body em { color: var(--muted); font-style: italic; }
.legal-list { display: flex; flex-direction: column; gap: 9px; }
.legal-sub { padding-left: 18px; display: flex; flex-direction: column; gap: 9px; }
.legal-cards { display: flex; flex-direction: column; gap: 14px; }
.legal-card { background: var(--surface); border: 1px solid var(--border); border-radius: 14px; padding: 16px 18px; }

/* ---------- CTA band ---------- */
.cta-wrap { max-width: var(--maxw); margin: 0 auto; padding: 0 32px 96px; }
.cta { position: relative; background: var(--violet); border-radius: 28px; padding: 72px 64px; display: flex; flex-direction: column; align-items: center; gap: 24px; overflow: hidden; }
.cta h2 { font-family: var(--font-head); font-weight: 700; font-size: 52px; line-height: 1.02; letter-spacing: -0.025em; color: #fff; margin: 0; text-align: center; max-width: 640px; text-wrap: pretty; }
.cta p { font-size: 17px; line-height: 26px; color: rgba(255,255,255,.85); margin: 0; text-align: center; }

/* ---------- Footer ---------- */
.footer { background: var(--ink-deep); }
.footer-inner { max-width: var(--maxw); margin: 0 auto; padding: 64px 32px 40px; display: grid; grid-template-columns: 1.4fr 1fr 1fr; gap: 48px; }
.footer-brand { display: flex; flex-direction: column; gap: 18px; align-items: flex-start; }
.footer-brand img { height: 30px; filter: brightness(0) invert(1); }
.footer-brand p { font-size: 14px; line-height: 22px; color: rgba(255,255,255,.6); margin: 0; max-width: 380px; }
.footer-brand a { color: inherit; text-decoration: underline; text-underline-offset: 2px; transition: opacity 150ms; }
.footer-brand a:hover { opacity: .7; }
.footer-col { display: flex; flex-direction: column; gap: 12px; }
.footer-col .ttl { font-size: 13px; font-weight: 600; letter-spacing: .06em; text-transform: uppercase; color: rgba(255,255,255,.45); }
.footer-col a, .footer-col span.lk { font-size: 14px; color: rgba(255,255,255,.75); cursor: pointer; text-decoration: none; transition: color 150ms; }
.footer-col a:hover, .footer-col span.lk:hover { color: #fff; }
.footer-col .addr { font-size: 14px; line-height: 22px; color: rgba(255,255,255,.75); }
.footer-bar { border-top: 1px solid rgba(255,255,255,.1); }
.footer-bar-inner { max-width: var(--maxw); margin: 0 auto; padding: 20px 32px; display: flex; justify-content: space-between; align-items: center; gap: 16px; }
.footer-bar span { font-size: 13px; color: rgba(255,255,255,.45); }

/* ---------- App modal ---------- */
.modal-overlay { position: fixed; inset: 0; z-index: 100; background: rgba(26,29,61,.45); backdrop-filter: blur(3px); display: flex; align-items: center; justify-content: center; padding: 24px; opacity: 0; visibility: hidden; transition: opacity 180ms var(--ease), visibility 180ms var(--ease); }
.modal-overlay.open { opacity: 1; visibility: visible; }
.modal { position: relative; width: 420px; max-width: 100%; background: #fff; border-radius: 24px; padding: 40px; box-shadow: 0 24px 60px -20px rgba(0,0,0,.45); display: flex; flex-direction: column; align-items: center; gap: 22px; text-align: center; transform: translateY(8px) scale(.98); transition: transform 200ms var(--ease); }
.modal-overlay.open .modal { transform: none; }
.modal-grip { display: none; }
.modal-close { position: absolute; top: 18px; right: 18px; width: 32px; height: 32px; display: flex; align-items: center; justify-content: center; border-radius: 8px; cursor: pointer; background: transparent; border: none; transition: background 150ms; }
.modal-close:hover { background: var(--surface); }
.modal-icon { width: 56px; height: 56px; border-radius: 16px; background: var(--violet-wash); display: flex; align-items: center; justify-content: center; }
.modal-txt { display: flex; flex-direction: column; gap: 8px; }
.modal-txt h3 { font-family: var(--font-head); font-weight: 700; font-size: 28px; letter-spacing: -0.025em; color: var(--ink); margin: 0; }
.modal-txt p { font-size: 15px; line-height: 23px; color: var(--muted); margin: 0; }
.modal-stores { display: flex; flex-direction: column; gap: 10px; width: 100%; }
.modal-stores .store-btn { justify-content: center; padding: 13px 20px; }

/* ==========================================================================
   RESPONSIVE — mobile layout takes over below 880px (mirrors the mobile DC)
   ========================================================================== */

/* Intermediate: feature cards 4 -> 2 columns */
@media (max-width: 1080px) {
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 880px) {
  :root { --pad: 20px; }
  .section { padding-top: 56px; padding-bottom: 56px; }
  .section-head { margin-bottom: 28px; gap: 10px; }
  .eyebrow { font-size: 12px; }
  .h2 { font-size: 32px; }

  /* Banner: switch to the mobile (Merchants!) variant */
  .banner-inner { display: none; }
  .banner .dots { background-size: 20px 20px; }
  .banner-mobile { display: block; position: relative; }
  .banner-mobile-inner { position: relative; display: flex; align-items: center; gap: 10px; padding: 10px 44px 10px 16px; }
  .banner-mobile .pill-new { font-size: 11px; padding: 3px 8px; }
  .banner-mobile a.bm-text { font-size: 13px; line-height: 1.4; color: #fff; text-decoration: none; flex: 1; }
  .banner-mobile a.bm-text strong { font-weight: 600; color: var(--yellow); }
  .banner-mobile .banner-dismiss { right: 12px; width: 28px; height: 28px; }

  /* Nav: hamburger */
  .nav-inner { height: 60px; padding: 0 20px; }
  .nav-logo { height: 28px; }
  .nav-links, .nav-actions { display: none; }
  .nav-toggle { display: flex; align-items: center; justify-content: center; width: 44px; height: 44px; margin-right: -10px; background: transparent; border: none; cursor: pointer; }
  .nav.menu-open .nav-toggle .ico-open { display: none; }
  .nav-toggle .ico-close { display: none; }
  .nav.menu-open .nav-toggle .ico-close { display: block; }
  .nav-menu { display: none; border-top: 1px solid var(--border); padding: 8px 20px 20px; flex-direction: column; gap: 2px; }
  .nav.menu-open .nav-menu { display: flex; }
  .nav-menu a { font-size: 17px; font-weight: 600; color: var(--ink); padding: 14px 0; border-bottom: 1px solid #F2F3F7; cursor: pointer; text-decoration: none; }
  .nav-menu a.faq-link { border-bottom: none; }
  .nav-menu .btn-violet { padding: 13px 20px; border-radius: 10px; margin-top: 14px; font-size: 15px; }

  /* Hero */
  .hero { background: linear-gradient(180deg, #F5F2FF 0%, #FDFCFF 60%, #FFFFFF 100%); }
  .hero-grid-bg { background-image: radial-gradient(rgba(145,124,255,.32) 1.1px, transparent 1.1px); background-size: 24px 24px; -webkit-mask-image: radial-gradient(130% 80% at 50% 0%, #000 26%, transparent 72%); mask-image: radial-gradient(130% 80% at 50% 0%, #000 26%, transparent 72%); }
  .hero-blob.violet { display: none; }
  .hero-blob.yellow { top: -120px; right: -80px; bottom: auto; width: 320px; height: 320px; background: radial-gradient(circle, rgba(255,218,44,.22), transparent 70%); filter: blur(20px); }
  .hero-inner { grid-template-columns: 1fr; gap: 0; padding: 32px 20px 40px; }
  .hero-copy { gap: 20px; }
  .badge-cbn { font-size: 12px; padding: 7px 13px; gap: 7px; }
  .hero h1 { font-size: 44px; }
  .hero-sub { font-size: 16px; line-height: 25px; }
  .hero .store-btns { flex-direction: column; gap: 10px; width: 100%; }
  .hero .store-btn { justify-content: center; padding: 13px 20px; }
  .hero-stats { display: none; }
  .hero-stats-box { display: flex; width: 100%; margin-top: 4px; border: 1px solid var(--border); border-radius: 16px; background: #fff; overflow: hidden; }
  .hero-stats-box .stat { flex: 1; gap: 2px; padding: 16px 14px; align-items: center; }
  .hero-stats-box .stat .num { font-size: 22px; }
  .hero-stats-box .stat .cap { font-size: 12px; }

  /* Hero visual: smaller phone, 2 pills */
  .hero-visual { height: 380px; width: 240px; margin: 36px auto 0; border-radius: 28px; background: linear-gradient(155deg, #F0EDFF 0%, #E7E1FF 100%); box-shadow: 0 30px 50px -30px rgba(145,124,255,.5); }
  .phone { width: 196px; height: 360px; border: 6px solid var(--ink-deep); border-radius: 30px 30px 0 0; box-shadow: none; }
  .phone img { width: 184px; height: 354px; }
  .name-pill.p1, .name-pill.p2, .name-pill.p3 { display: none; }
  .name-pill.m1, .name-pill.m2 { display: block; }
  .name-pill.m1 { top: 28px; left: -6px; }
  .name-pill.m2 { bottom: 56px; right: -8px; }
  .name-pill.m1 svg, .name-pill.m2 svg { left: -6px; top: -22px; width: 24px; height: 30px; }
  .name-pill.m1 .pill, .name-pill.m2 .pill { font-size: 15px; letter-spacing: -0.02em; padding: 9px 14px; box-shadow: 0 10px 20px 0 rgba(26,26,26,.08); }

  /* Perk strip: 2-col grid, mobile DC shows 4 perks (hide the last two) */
  .perks-inner { padding: 20px; display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
  .perk { font-size: 13px; }
  .perks-inner .perk:nth-child(n+5) { display: none; }

  /* Feature cards single column */
  .grid-4 { grid-template-columns: 1fr; gap: 14px; }
  .feature-card { border-radius: 18px; padding: 22px; gap: 12px; }
  .icon-chip { width: 40px; height: 40px; border-radius: 11px; }
  .feature-card h4 { font-size: 17px; }

  /* Process single column */
  .grid-3 { grid-template-columns: 1fr; gap: 14px; }
  .step { border-radius: 20px; padding: 24px; gap: 12px; }
  .step .n { font-size: 44px; }
  .step h4 { font-size: 18px; }
  .step p { font-size: 14px; line-height: 22px; }

  /* Testimonials single column */
  .tcard { border-radius: 20px; padding: 22px; }
  .tcard p { font-size: 14px; line-height: 23px; }

  /* BNPL band stacked */
  .bnpl-wrap { padding: 0 20px 8px; }
  .bnpl { grid-template-columns: 1fr; gap: 18px; border-radius: 24px; padding: 32px 24px; }
  .bnpl .glow { top: -100px; right: -70px; width: 280px; height: 280px; }
  .bnpl-copy { gap: 14px; }
  .bnpl-copy h2 { font-size: 32px; line-height: 1.04; }
  .bnpl-copy p { font-size: 15px; line-height: 24px; }
  .bnpl-badge { font-size: 12px; gap: 6px; padding: 7px 11px; }
  .checkout { max-width: 100%; margin-left: 0; border-radius: 16px; padding: 18px; box-shadow: none; }
  .checkout-head, .checkout-pay .lbl, .pay-opt:not(.sel) { display: none; }
  .checkout-pay { border-top: none; padding-top: 0; }
  .checkout-thumb { width: 46px; height: 46px; border-radius: 9px; }
  .checkout-item .title, .checkout-item .price { font-size: 13.5px; }
  .checkout-item .sub { font-size: 12px; }
  .pay-opt.sel { padding: 11px 13px; }
  .checkout-btn { height: 44px; border-radius: 11px; font-size: 14px; }
  .settled-pill { display: none; }
  /* responsive copy swap */
  .dk-only { display: none; }
  .mb-only { display: inline; }
  .bnpl-mcta { display: inline-flex; align-items: center; justify-content: center; gap: 8px; font-size: 14px; font-weight: 600; color: var(--ink); background: var(--yellow); text-decoration: none; padding: 13px 20px; border-radius: 10px; }

  /* FAQ */
  .faq-wrap { padding: 56px 20px; }
  .faq-list { gap: 10px; }
  .faq-item { border-radius: 14px; }
  .faq-q { padding: 18px; align-items: flex-start; gap: 12px; }
  .faq-q span { font-size: 15px; }
  .faq-chev { margin-top: 2px; width: 17px; height: 17px; }
  .faq-a { font-size: 14px; line-height: 22px; padding: 0 18px 18px; }
  #faq { scroll-margin-top: 70px; }

  /* Page heads */
  .page { padding: 32px 20px 8px; }
  .page-head { margin-bottom: 28px; gap: 12px; }
  .page-head.about { margin-bottom: 28px; }
  .page-head h1 { font-size: 40px; }
  .page-head.about h1 { font-size: 42px; }
  .page-head .lead { font-size: 16px; line-height: 25px; }

  /* Products single column */
  .products-grid { grid-template-columns: 1fr; gap: 16px; }
  .pcard { border-radius: 22px; padding: 26px; gap: 18px; }
  .pcard-head { gap: 7px; }
  .pcard-title h3 { font-size: 24px; }
  .pcard-title .kind { font-size: 12.5px; }
  .popular { top: -12px; right: 20px; }
  .pamount { border-radius: 14px; padding: 16px 18px; }
  .pamount .big { font-size: 26px; }
  .pamount .lbl, .pamount .rate { font-size: 12.5px; }
  .pterms { gap: 9px; }
  .pterm { font-size: 13.5px; }
  .pneed-item { font-size: 13.5px; gap: 9px; }
  .products-note { font-size: 12px; line-height: 19px; margin: 28px 0 0; }
  .pcard .btn-outline, .pcard .btn-yellow { padding: 13px 20px; border-radius: 10px; }

  /* About stacked */
  .about-cards { grid-template-columns: 1fr; gap: 14px; margin-bottom: 24px; }
  .about-card { border-radius: 22px; padding: 26px; }
  .about-card.lav h3, .about-card.dark h3 { font-size: 22px; }
  .about-card.lav p { font-size: 14px; line-height: 22px; }
  .belief span { font-size: 14px; line-height: 22px; }
  .contact-card { grid-template-columns: 1fr; gap: 22px; border-radius: 22px; padding: 26px; }
  .contact-col p { font-size: 14px; }

  /* Legal */
  .legal-hero-inner { padding: 32px 20px 28px; gap: 10px; }
  .legal-hero h1 { font-size: 38px; }
  .legal-hero .lead { font-size: 15px; line-height: 24px; }
  .legal-body { padding: 36px 20px 56px; }

  /* CTA */
  .cta-wrap { padding: 24px 20px 56px; }
  .cta { border-radius: 24px; padding: 40px 28px; gap: 18px; }
  .cta h2 { font-size: 32px; line-height: 1.05; }
  .cta p { font-size: 15px; line-height: 23px; }
  .cta .store-btns { flex-direction: column; gap: 10px; width: 100%; }
  .cta .store-btn { justify-content: center; padding: 13px 20px; }

  /* Footer */
  .footer-inner { grid-template-columns: 1fr; gap: 28px; padding: 40px 20px 28px; }
  .footer-cols { display: flex; gap: 40px; }
  .footer-col { gap: 11px; }
  .footer-brand img { height: 26px; }
  .footer-brand p { font-size: 13px; line-height: 21px; }
  .footer-bar-inner { flex-direction: column; align-items: flex-start; gap: 4px; padding: 18px 20px; }
  .footer-bar span { font-size: 12px; }

  /* Modal -> bottom sheet */
  .modal-overlay { align-items: flex-end; padding: 0; }
  .modal { width: 100%; border-radius: 24px 24px 0 0; padding: 32px 24px calc(28px + env(safe-area-inset-bottom, 0px)); box-shadow: 0 -10px 40px -10px rgba(0,0,0,.3); gap: 20px; transform: translateY(100%); }
  .modal-overlay.open .modal { transform: none; }
  .modal-grip { display: block; position: absolute; top: 12px; left: 50%; transform: translateX(-50%); width: 40px; height: 4px; border-radius: 9999px; background: var(--border); }
  .modal-close { top: 20px; }
  .modal-icon { width: 52px; height: 52px; border-radius: 15px; margin-top: 6px; }
  .modal-txt h3 { font-size: 24px; }
  .modal-txt p { font-size: 14px; line-height: 22px; }
}

/* Very small phones: keep perks readable */
@media (max-width: 380px) {
  .hero h1 { font-size: 40px; }
  .page-head h1 { font-size: 34px; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { transition-duration: .001ms !important; animation-duration: .001ms !important; }
}