/* ══════════════════════════════════════════════════════
   NUMERAL FINANCIAL SERVICES — Homepage Styles
   Mobile-first · d-desktop / d-mobile content switching
   ══════════════════════════════════════════════════════ */

/* ── Tokens ────────────────────────────────────────── */
:root {
  --navy:        #0a1628;
  --navy-mid:    #0e2040;
  --navy-light:  #162d50;
  --accent:      #29abe2;
  --accent-dark: #1e8fbf;
  --accent-glow: rgba(41,171,226,0.15);
  --white:       #ffffff;
  --off-white:   #f5f7fa;
  --grey-100:    #e8ecf2;
  --grey-400:    #94a3b8;
  --grey-600:    #64748b;
  --text:        #1e293b;
  --text-muted:  #64748b;

  --font: 'Inter', system-ui, -apple-system, sans-serif;
  --radius: 12px;
  --radius-lg: 20px;
  --shadow: 0 4px 24px rgba(10,22,40,0.10);
  --shadow-lg: 0 12px 48px rgba(10,22,40,0.16);
  --transition: 0.28s cubic-bezier(0.4,0,0.2,1);
}

/* ── Reset ─────────────────────────────────────────── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; -webkit-font-smoothing: antialiased; background: var(--navy); }

body {
  font-family: var(--font);
  background: var(--navy);
  color: var(--text);
  line-height: 1.65;
  font-size: 16px;
  overflow-x: hidden;
}

/* Ensure page content sections have white background */
.section,
.contact-hero + .section,
main { background-color: var(--white); }

img { max-width: 100%; height: auto; display: block; }
a   { text-decoration: none; color: inherit; }
ul  { list-style: none; }

.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 clamp(1rem, 4vw, 2rem);
}

.section { padding: clamp(3.5rem, 8vw, 7rem) 0; }

/* ══════════════════════════════════════════════════════
   RESPONSIVE DISPLAY — d-desktop / d-mobile
   ══════════════════════════════════════════════════════ */
.d-mobile { display: none; }

@media (max-width: 768px) {
  .d-desktop { display: none !important; }
  .d-mobile  { display: block; }
}
@media (min-width: 769px) {
  .d-desktop { display: block; }
  .d-mobile  { display: none !important; }
}

/* ── Utilities ─────────────────────────────────────── */
.text-accent { color: var(--accent); }

.section-eyebrow {
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--accent);
  margin-bottom: 0.5rem;
  position: relative;
  padding-top: 1.2rem;
}
.section-eyebrow::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  width: 28px;
  height: 3px;
  background: var(--accent);
  border-radius: 2px;
}
.section-header .section-eyebrow::before {
  left: 50%;
  transform: translateX(-50%);
}
.section-title {
  font-size: clamp(1.6rem, 4vw, 2.6rem);
  font-weight: 300;
  color: var(--navy);
  line-height: 1.2;
  margin-bottom: 0.75rem;
}
.section-title strong { font-weight: 800; }

.section-header {
  text-align: center;
  max-width: 640px;
  margin: 0 auto clamp(2rem, 5vw, 3.5rem);
}

/* ── Buttons ───────────────────────────────────────── */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  padding: 0.8rem 1.75rem;
  border-radius: 4px;
  font-size: 0.85rem;
  font-weight: 600;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  cursor: pointer;
  border: 1.5px solid transparent;
  transition: var(--transition);
  white-space: nowrap;
}
.btn-lg { padding: 0.95rem 2.25rem; font-size: 0.9rem; }
.btn-sm { padding: 0.6rem 1.35rem; font-size: 0.78rem; }

.btn-accent {
  background: var(--accent);
  color: var(--white);
  border-color: var(--accent);
}
.btn-accent:hover {
  background: var(--accent-dark);
  border-color: var(--accent-dark);
  transform: translateY(-1px);
  box-shadow: 0 4px 16px rgba(41,171,226,0.35);
}

/* Subtle glow pulse on primary CTAs */
.btn-glow {
  animation: glowPulse 2.5s ease-in-out infinite;
}
@keyframes glowPulse {
  0%, 100% { box-shadow: 0 0 0 0 rgba(41,171,226,0); }
  50% { box-shadow: 0 0 20px 4px rgba(41,171,226,0.25); }
}

.btn-outline-light {
  background: transparent;
  color: var(--white);
  border-color: rgba(255,255,255,0.5);
}
.btn-outline-light:hover {
  background: rgba(255,255,255,0.1);
  border-color: var(--white);
}

.btn-outline-dark {
  background: transparent;
  color: var(--navy);
  border-color: var(--navy);
}
.btn-outline-dark:hover {
  background: var(--navy);
  color: var(--white);
}


/* ══════════════════════════════════════════════════════
   NAVBAR
   ══════════════════════════════════════════════════════ */
.navbar {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 100;
  background: rgba(10,22,40,0.92);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  border-bottom: 1px solid rgba(255,255,255,0.06);
  transition: background 0.3s, box-shadow 0.3s;
}
.navbar.scrolled {
  background: rgba(10,22,40,0.98);
  box-shadow: 0 2px 20px rgba(0,0,0,0.3);
}

.nav-inner {
  display: flex;
  align-items: center;
  height: 68px;
}

.nav-logo { flex-shrink: 0; }
.logo-img { height: 52px; width: auto; }

.nav-links {
  display: flex;
  align-items: center;
  gap: 0.25rem;
  margin-left: auto;
  margin-right: 1.5rem;
}
.nav-link {
  padding: 0.5rem 0.9rem;
  font-size: 0.85rem;
  font-weight: 500;
  color: rgba(255,255,255,0.8);
  border-radius: 6px;
  transition: var(--transition);
}
.nav-link:hover,
.nav-link.active { color: var(--white); background: rgba(255,255,255,0.08); }

/* Hamburger */
.hamburger {
  display: flex;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 8px;
  margin-left: auto;
}
.hamburger span {
  display: block;
  width: 22px;
  height: 2px;
  background: var(--white);
  border-radius: 2px;
  transition: var(--transition);
}

/* Mobile Menu */
.mobile-menu {
  display: none;
  flex-direction: column;
  gap: 2px;
  padding: 0.75rem 1rem 1rem;
  background: var(--navy-mid);
  border-top: 1px solid rgba(255,255,255,0.06);
}
.mobile-menu.open { display: flex; }
.mm-link {
  padding: 0.75rem 1rem;
  font-size: 0.92rem;
  font-weight: 500;
  color: rgba(255,255,255,0.85);
  border-radius: 6px;
  transition: var(--transition);
}
.mm-link:hover, .mm-link.active { background: rgba(255,255,255,0.08); color: white; }

/* Mobile menu CTA */
.mm-cta {
  background: var(--accent) !important;
  color: var(--white) !important;
  text-align: center;
  border-radius: 8px;
  font-weight: 700 !important;
  margin-top: 0.5rem;
  padding: 0.85rem 1.5rem !important;
  letter-spacing: 0.04em;
}
.mm-cta:hover {
  background: var(--accent-dark) !important;
}

/* ══════════════════════════════════════════════════════
   HERO
   ══════════════════════════════════════════════════════ */
.hero {
  position: relative;
  min-height: min(78vh, 640px);
  display: flex;
  align-items: center;
  padding-top: 68px;
  overflow: hidden;
}

.hero-bg {
  position: absolute;
  inset: 0;
  background:
    linear-gradient(135deg, rgba(10,22,40,0.82) 0%, rgba(14,32,64,0.78) 50%, rgba(13,46,58,0.80) 100%),
    url('https://numeralfinancialservices.co.za/wp-content/uploads/2026/06/hero-bg.jpg') center/cover no-repeat;
  z-index: 0;
}
.hero-bg::after {
  content: '';
  position: absolute;
  width: 500px; height: 500px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(41,171,226,0.10) 0%, transparent 70%);
  right: -100px; top: -80px;
  animation: floatBlob 10s ease-in-out infinite alternate;
}
@keyframes floatBlob {
  from { transform: translate(0,0) scale(1); }
  to   { transform: translate(-30px, 30px) scale(1.08); }
}

/* Subtle vignette for depth */
.hero-overlay {
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse at 30% 50%, transparent 0%, rgba(10,22,40,0.3) 100%);
  z-index: 0;
  pointer-events: none;
}

.hero-inner { position: relative; z-index: 1; width: 100%; }

.hero-content {
  padding: clamp(2rem, 6vw, 4rem) 0;
  max-width: 720px;
}

.hero-eyebrow {
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--accent);
  margin-bottom: 1rem;
  opacity: 0.9;
}

.hero-title {
  font-size: clamp(2rem, 5.5vw, 3.8rem);
  font-weight: 800;
  color: var(--white);
  line-height: 1.1;
  margin-bottom: 1.25rem;
  letter-spacing: -0.02em;
}

.hero-subtitle {
  font-size: clamp(0.9rem, 2vw, 1.1rem);
  color: rgba(255,255,255,0.75);
  line-height: 1.7;
  margin-bottom: 2rem;
  max-width: 580px;
}

.hero-actions {
  display: flex;
  gap: 0.75rem;
  flex-wrap: wrap;
}


/* ══════════════════════════════════════════════════════
   TRUST STRIP
   ══════════════════════════════════════════════════════ */
.trust-strip {
  background: var(--navy);
  padding: 1.5rem 0;
  border-top: 1px solid rgba(255,255,255,0.06);
  border-bottom: 1px solid rgba(255,255,255,0.06);
}
.trust-inner {
  display: flex;
  align-items: center;
  justify-content: center;
  flex-wrap: nowrap;
}
.trust-item {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 0.15rem;
  padding: 0.4rem clamp(1rem, 3vw, 2rem);
  text-align: center;
  flex-shrink: 0;
}
.trust-value {
  font-size: clamp(1.3rem, 3vw, 1.65rem);
  font-weight: 800;
  color: var(--accent);
  line-height: 1;
}
.trust-label {
  font-size: 0.62rem;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.45);
}
.trust-divider {
  width: 1px;
  height: 32px;
  background: rgba(255,255,255,0.1);
  flex-shrink: 0;
}


/* ══════════════════════════════════════════════════════
   VALUE PROPOSITION
   ══════════════════════════════════════════════════════ */
.value-section { background: var(--white); }

.value-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 2.5rem;
}
@media (min-width: 769px) {
  .value-grid {
    grid-template-columns: 1fr 1fr;
    gap: 4rem;
    align-items: center;
  }
}

.value-text h2 { margin-bottom: 1rem; }
.value-text p {
  font-size: 0.95rem;
  color: var(--text-muted);
  line-height: 1.75;
  margin-bottom: 0.75rem;
}

.check-list {
  display: flex;
  flex-direction: column;
  gap: 0.65rem;
  margin-top: 1.5rem;
}
.check-list li {
  display: flex;
  align-items: flex-start;
  gap: 0.65rem;
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--navy);
  line-height: 1.5;
}
.check-icon {
  width: 18px;
  height: 18px;
  color: var(--accent);
  flex-shrink: 0;
  margin-top: 2px;
}

.value-cards {
  display: flex;
  flex-direction: column;
  gap: 1rem;
}

.vcard {
  display: flex;
  align-items: center;
  gap: 1.25rem;
  background: var(--off-white);
  border: 1px solid var(--grey-100);
  border-radius: var(--radius);
  padding: 1.25rem;
  transition: var(--transition);
}
.vcard:hover {
  transform: translateX(4px);
  box-shadow: var(--shadow);
  border-color: var(--accent);
}

.vcard-icon {
  width: 48px;
  height: 48px;
  border-radius: 10px;
  background: var(--accent-glow);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.vcard-icon svg {
  width: 22px;
  height: 22px;
  color: var(--accent);
}
@media (max-width: 768px) {
  .vcard-icon { width: 40px; height: 40px; }
  .vcard-icon svg { width: 18px; height: 18px; }
}

.vcard-body h3 {
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 0.2rem;
}
.vcard-body p {
  font-size: 0.82rem;
  color: var(--text-muted);
  line-height: 1.5;
  margin: 0;
}


/* ══════════════════════════════════════════════════════
   BANNER
   ══════════════════════════════════════════════════════ */
.banner-section {
  position: relative;
  padding: clamp(3rem, 8vw, 6rem) 0;
  overflow: hidden;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 50%, var(--navy-light) 100%);
}
.banner-inner {
  position: relative;
  z-index: 2;
  max-width: 720px;
  border-left: 3px solid var(--accent);
  padding-left: clamp(1.25rem, 3vw, 2rem);
}
.banner-title {
  font-size: clamp(1.5rem, 4vw, 2.5rem);
  font-weight: 300;
  color: var(--white);
  line-height: 1.2;
  margin-bottom: 1rem;
}
.banner-title strong { font-weight: 800; }
.banner-text {
  font-size: clamp(0.88rem, 2vw, 1.05rem);
  color: rgba(255,255,255,0.75);
  line-height: 1.75;
}


/* ══════════════════════════════════════════════════════
   PRODUCT CARDS
   ══════════════════════════════════════════════════════ */
.products-section { background: var(--off-white); }

.products-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.25rem;
}
@media (min-width: 769px) {
  .products-grid { grid-template-columns: 1fr 1fr; gap: 1.5rem; }
}

.product-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: clamp(1.5rem, 4vw, 2.5rem);
  border: 1px solid var(--grey-100);
  transition: var(--transition);
}
.product-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
  border-color: var(--accent);
}
.product-card:hover .product-card-icon svg {
  transform: scale(1.1);
}
.product-card-icon svg {
  transition: transform 0.25s ease;
}

.product-card-icon {
  width: 44px;
  height: 44px;
  border-radius: 10px;
  background: var(--accent-glow);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 0.75rem;
}
.product-card-icon svg {
  width: 22px;
  height: 22px;
  color: var(--accent);
}

.product-card-title {
  font-size: clamp(1.1rem, 2.5vw, 1.4rem);
  font-weight: 800;
  color: var(--navy);
  margin-bottom: 0.75rem;
}

.product-card-desc {
  font-size: 0.9rem;
  color: var(--text-muted);
  line-height: 1.7;
  margin-bottom: 1rem;
}

.product-card-list {
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
  margin-bottom: 1.5rem;
}
.product-card-list li {
  font-size: 0.85rem;
  font-weight: 500;
  color: var(--text);
  padding-left: 1.2rem;
  position: relative;
  line-height: 1.5;
}
.product-card-list li::before {
  content: '';
  position: absolute;
  left: 0;
  top: 0.5em;
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--accent);
}

.product-card-btn { width: 100%; }
@media (min-width: 769px) {
  .product-card-btn { width: auto; }
}


/* ══════════════════════════════════════════════════════
   HOW IT WORKS
   ══════════════════════════════════════════════════════ */
.how-section { background: var(--white); }

.steps-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
}
@media (min-width: 769px) {
  .steps-grid { grid-template-columns: repeat(4, 1fr); gap: 1.25rem; }
}

.step-card {
  background: var(--off-white);
  border-radius: var(--radius);
  padding: clamp(1.25rem, 3vw, 2rem);
  border: 1px solid var(--grey-100);
  text-align: center;
  transition: var(--transition);
  position: relative;
}
.step-card:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow);
  border-color: var(--accent);
  background: var(--white);
}

.step-num {
  font-size: 0.65rem;
  font-weight: 800;
  letter-spacing: 0.1em;
  color: var(--accent);
  text-transform: uppercase;
  margin-bottom: 0.5rem;
}
.step-icon {
  width: 40px;
  height: 40px;
  border-radius: 10px;
  background: var(--accent-glow);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 0.65rem;
}
.step-icon svg {
  width: 20px;
  height: 20px;
  color: var(--accent);
}
.step-card h3 {
  font-size: 0.9rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 0.35rem;
}
.step-card p {
  font-size: 0.78rem;
  color: var(--text-muted);
  line-height: 1.55;
}

/* Connecting arrows — desktop only */
@media (min-width: 769px) {
  .step-card:not(:last-child)::after {
    content: '→';
    position: absolute;
    right: -14px;
    top: 50%;
    transform: translateY(-50%);
    font-size: 1.2rem;
    color: var(--accent);
    opacity: 0.35;
    z-index: 1;
  }
}


/* ══════════════════════════════════════════════════════
   CTA SECTION
   ══════════════════════════════════════════════════════ */
.cta-section {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 100%);
  padding: clamp(3rem, 7vw, 5rem) 0;
  text-align: center;
}
.cta-inner { max-width: 640px; margin: 0 auto; }

.cta-title {
  font-size: clamp(1.5rem, 4vw, 2.4rem);
  font-weight: 800;
  color: var(--white);
  margin-bottom: 0.75rem;
}
.cta-text {
  font-size: clamp(0.88rem, 2vw, 1.05rem);
  color: rgba(255,255,255,0.7);
  margin-bottom: 2rem;
  line-height: 1.7;
}
.cta-actions {
  display: flex;
  gap: 0.75rem;
  justify-content: center;
  flex-wrap: wrap;
  margin-bottom: 1.5rem;
}
.cta-note {
  font-size: 0.72rem;
  color: rgba(255,255,255,0.6);
  letter-spacing: 0.04em;
}


/* ══════════════════════════════════════════════════════
   TRUST BADGES STRIP
   ══════════════════════════════════════════════════════ */
.badges-strip {
  background: var(--off-white);
  padding: 1.25rem 0;
  border-bottom: 1px solid var(--grey-100);
}
.badges-inner {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: clamp(1.25rem, 4vw, 3rem);
  flex-wrap: wrap;
}
.badge-item {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.72rem;
  font-weight: 600;
  color: var(--grey-600);
  letter-spacing: 0.02em;
  white-space: nowrap;
}
.badge-icon {
  width: 16px;
  height: 16px;
  color: var(--accent);
  flex-shrink: 0;
}


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

.testimonials-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.25rem;
}
@media (min-width: 769px) {
  .testimonials-grid { grid-template-columns: repeat(3, 1fr); gap: 1.5rem; }
}

.testimonial-card {
  background: var(--white);
  border: 1px solid var(--grey-100);
  border-radius: var(--radius);
  padding: clamp(1.5rem, 3vw, 2rem);
  transition: var(--transition);
  display: flex;
  flex-direction: column;
}
.testimonial-card:hover {
  transform: translateY(-2px);
  box-shadow: var(--shadow);
  border-color: var(--accent);
}

.testimonial-stars {
  color: #f59e0b;
  font-size: 0.85rem;
  letter-spacing: 0.1em;
  margin-bottom: 0.75rem;
}

.testimonial-quote {
  font-size: 0.88rem;
  color: var(--text);
  line-height: 1.7;
  font-style: italic;
  margin-bottom: 1.25rem;
  flex-grow: 1;
}

.testimonial-author {
  display: flex;
  flex-direction: column;
  gap: 0.1rem;
}
.testimonial-author strong {
  font-size: 0.85rem;
  color: var(--navy);
}
.testimonial-author span {
  font-size: 0.72rem;
  color: var(--text-muted);
}


/* ══════════════════════════════════════════════════════
   FAQ ACCORDION
   ══════════════════════════════════════════════════════ */
.faq-section { background: var(--white); }

.faq-list {
  max-width: 720px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 0;
}

.faq-item {
  border-bottom: 1px solid var(--grey-100);
}
.faq-item:first-child {
  border-top: 1px solid var(--grey-100);
}

.faq-question {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  padding: 1.15rem 0;
  background: none;
  border: none;
  cursor: pointer;
  font-family: var(--font);
  font-size: 0.92rem;
  font-weight: 600;
  color: var(--navy);
  text-align: left;
  transition: color 0.2s;
}
.faq-question:hover { color: var(--accent); }

.faq-chevron {
  width: 18px;
  height: 18px;
  color: var(--grey-400);
  flex-shrink: 0;
  transition: transform 0.25s ease;
}
.faq-item.open .faq-chevron {
  transform: rotate(180deg);
  color: var(--accent);
}

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.3s ease, padding 0.3s ease;
  padding: 0;
}
.faq-item.open .faq-answer {
  max-height: 200px;
  padding: 0 0 1.25rem;
}
.faq-answer p {
  font-size: 0.88rem;
  color: var(--text-muted);
  line-height: 1.7;
}


/* ══════════════════════════════════════════════════════
   FOOTER — Matches original NFS site
   ══════════════════════════════════════════════════════ */
.footer {
  background: var(--navy);
  color: rgba(255,255,255,0.65);
  padding: clamp(3rem, 7vw, 5rem) 0 0;
  padding-bottom: 0;
}

/* Main area: logo left, nav columns right */
.footer-main {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 3rem;
}

/* Brand block */
.footer-brand { max-width: 420px; }
.footer-logo {
  height: auto;
  width: clamp(200px, 30vw, 280px);
  margin-bottom: 1.5rem;
  opacity: 0.9;
}
.footer-tagline {
  font-size: 0.85rem;
  font-weight: 400;
  color: var(--accent);
  line-height: 1.6;
  margin-bottom: 0.75rem;
}
.footer-fsp {
  font-size: 0.72rem;
  font-weight: 700;
  color: rgba(255,255,255,0.5);
  text-transform: uppercase;
  letter-spacing: 0.04em;
}

/* Nav columns */
.footer-nav {
  display: flex;
  gap: clamp(2rem, 4vw, 4rem);
}
.footer-col h4 {
  font-size: 0.8rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: rgba(255,255,255,0.9);
  margin-bottom: 1rem;
}
.footer-col ul {
  display: flex;
  flex-direction: column;
  gap: 0.55rem;
}
.footer-col li,
.footer-col a {
  font-size: 0.88rem;
  color: rgba(255,255,255,0.6);
  transition: color 0.2s;
}
.footer-col a:hover { color: var(--white); }

/* Divider */
.footer-divider {
  border: none;
  border-top: 1px solid rgba(255,255,255,0.08);
  margin: clamp(2rem, 4vw, 3rem) 0 1.25rem;
}

/* Bottom bar */
.footer-bottom {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding-bottom: 1.5rem;
  gap: 1rem;
}

.footer-social {
  display: flex;
  gap: 0.75rem;
}
.social-link {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 36px;
  height: 36px;
  border-radius: 50%;
  color: rgba(255,255,255,0.5);
  transition: var(--transition);
}
.social-link:hover { color: var(--white); }
.social-link svg { width: 18px; height: 18px; }

.footer-copy {
  font-size: 0.72rem;
  color: rgba(255,255,255,0.3);
  text-align: center;
}
.footer-copy a { color: rgba(255,255,255,0.4); }
.footer-copy a:hover { color: var(--accent); }

.back-to-top {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 36px;
  height: 36px;
  border-radius: 50%;
  border: 1px solid rgba(255,255,255,0.15);
  color: rgba(255,255,255,0.4);
  transition: var(--transition);
  flex-shrink: 0;
}
.back-to-top:hover {
  color: var(--white);
  border-color: rgba(255,255,255,0.4);
}
.back-to-top svg { width: 16px; height: 16px; }


/* ══════════════════════════════════════════════════════
   SHARED PRODUCT PAGE COMPONENTS
   (Used by PO Funding & Business Loans pages)
   ══════════════════════════════════════════════════════ */

/* ── Eligibility Section ── */
.po-eligibility {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 50%, var(--navy-light) 100%);
  padding: clamp(2.5rem, 6vw, 4.5rem) 0;
}
.po-elig-grid {
  display: grid;
  grid-template-columns: 1fr 1.2fr;
  gap: 3rem;
  align-items: center;
  text-align: center;
  justify-items: center;
}
.po-elig-title {
  font-size: clamp(1.4rem, 3vw, 2rem);
  font-weight: 800;
  color: var(--white);
  line-height: 1.2;
  margin-bottom: 0.5rem;
}
.po-elig-sub {
  font-size: 0.88rem;
  color: rgba(255,255,255,0.6);
  line-height: 1.6;
}
.po-elig-list {
  display: flex;
  flex-direction: column;
  gap: 0.65rem;
  text-align: left;
}
.po-elig-item {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  font-size: 0.9rem;
  color: rgba(255,255,255,0.85);
}
.po-elig-dot {
  width: 8px;
  height: 8px;
  background: var(--accent);
  border-radius: 50%;
  flex-shrink: 0;
}


/* ── Steps / Process Cards ── */
.po-process { background: var(--white); }
.po-steps {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1.25rem;
}
.po-step {
  text-align: center;
  background: var(--off-white);
  border: 1px solid var(--grey-100);
  border-radius: var(--radius);
  padding: 2rem 1.25rem;
  position: relative;
  transition: var(--transition);
}
.po-step:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow);
  border-color: var(--accent);
}
.po-step-num {
  font-size: 0.62rem;
  font-weight: 800;
  letter-spacing: 0.1em;
  color: var(--accent);
  text-transform: uppercase;
  margin-bottom: 0.5rem;
}
.po-step-icon {
  width: 44px;
  height: 44px;
  border-radius: 10px;
  background: var(--accent-glow);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 0.75rem;
}
.po-step-icon svg {
  width: 22px;
  height: 22px;
  color: var(--accent);
}
.po-step h3 {
  font-size: 0.92rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 0.35rem;
}
.po-step p {
  font-size: 0.8rem;
  color: var(--text-muted);
  line-height: 1.55;
}

/* ── Benefits / Features ── */
.po-benefits { background: var(--off-white); }
.po-benefits-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 2.5rem;
  align-items: start;
}
.po-benefit-cards {
  display: flex;
  flex-direction: column;
  gap: 0.85rem;
}
.po-benefit-card {
  display: flex;
  gap: 1rem;
  align-items: flex-start;
  background: var(--white);
  border: 1px solid var(--grey-100);
  border-radius: var(--radius);
  padding: 1.15rem;
  transition: var(--transition);
}
.po-benefit-card:hover {
  border-color: var(--accent);
  transform: translateX(3px);
  box-shadow: var(--shadow);
}
.po-bc-icon {
  width: 40px;
  height: 40px;
  border-radius: 10px;
  background: var(--accent-glow);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.po-bc-icon svg {
  width: 20px;
  height: 20px;
  color: var(--accent);
}
.po-bc-body strong {
  font-size: 0.88rem;
  font-weight: 700;
  color: var(--navy);
  display: block;
  margin-bottom: 0.2rem;
}
.po-bc-body p {
  font-size: 0.8rem;
  color: var(--text-muted);
  line-height: 1.5;
  margin: 0;
}

/* ── Scenario Box ── */
.po-scenario {
  background: var(--white);
  border: 1px solid var(--grey-100);
  border-left: 3px solid var(--accent);
  border-radius: var(--radius);
  padding: 1.5rem;
  margin-top: 1.5rem;
}
.po-scenario h4 {
  font-size: 0.72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--accent);
  margin-bottom: 0.65rem;
}
.po-scenario p {
  font-size: 0.88rem;
  color: var(--text-muted);
  line-height: 1.65;
  margin: 0;
}


/* ══════════════════════════════════════════════════════
   SCROLL ANIMATIONS
   ══════════════════════════════════════════════════════ */
[data-animate] {
  opacity: 0;
  transform: translateY(16px);
  transition: opacity 0.5s ease, transform 0.5s ease;
}
[data-animate].visible {
  opacity: 1;
  transform: translateY(0);
}

/* ══════════════════════════════════════════════════════
   STICKY MOBILE CTA
   ══════════════════════════════════════════════════════ */
.sticky-mobile-cta {
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  z-index: 999;
  background: var(--navy);
  padding: 0.65rem 1rem;
  padding-bottom: calc(0.65rem + env(safe-area-inset-bottom, 0px));
  border-top: 1px solid rgba(255,255,255,0.08);
  box-shadow: 0 -4px 20px rgba(0,0,0,0.3);
  transform: translateY(100%);
  opacity: 0;
  transition: transform 0.3s ease, opacity 0.3s ease;
}
.sticky-mobile-cta.visible {
  transform: translateY(0);
  opacity: 1;
}
.sticky-cta-btn {
  width: 100%;
  text-align: center;
  padding: 0.85rem 1.5rem;
  font-size: 0.9rem;
  font-weight: 700;
  letter-spacing: 0.06em;
}


/* ══════════════════════════════════════════════════════
   MOBILE TWEAKS (≤ 768px)
   ══════════════════════════════════════════════════════ */
@media (max-width: 768px) {

  /* ── LAYOUT ── */
  .section { padding: 2rem 0; }
  body { padding-bottom: 60px; } /* space for sticky CTA */

  /* ── HERO ── */
  .hero { min-height: 55vh; }
  .hero-bg::after { display: none; }
  .hero-content { padding: 1.25rem 0 1.75rem; }
  .hero-eyebrow { font-size: 0.6rem; letter-spacing: 0.08em; margin-bottom: 0.5rem; }
  .hero-title { font-size: 1.6rem; line-height: 1.15; margin-bottom: 0.65rem; }
  .hero-subtitle { font-size: 0.88rem; line-height: 1.5; margin-bottom: 1rem; }
  .hero-actions { gap: 0.5rem; }
  .hero-actions .btn {
    padding: 0.4rem 0.85rem;
    font-size: 0.65rem;
  }
  .btn-glow { animation: none; }

  /* ── TRUST STRIP + BADGES ── hidden on mobile */
  .trust-strip { display: none; }
  .badges-strip { display: none; }

  /* ── SECTION HEADERS ── */
  .section-header { margin-bottom: 1.25rem; }
  .section-title { font-size: 1.25rem; }
  .section-eyebrow { font-size: 0.6rem; padding-top: 0.85rem; margin-bottom: 0.35rem; }
  .section-eyebrow::before { width: 20px; height: 2px; }

  /* ── VALUE SECTION (Why NFS) ── polished mobile */
  .value-section { padding: 1.75rem 0; }
  .value-grid { gap: 0; }
  .value-text h2 { margin-bottom: 0.4rem; font-size: 1.2rem; }
  .value-text p { font-size: 0.84rem; line-height: 1.5; margin-bottom: 0; }

  /* Checklist as accent-bordered pills */
  .check-list {
    gap: 0.4rem;
    margin-top: 0.85rem;
    padding: 0.85rem;
    background: var(--off-white);
    border-radius: var(--radius);
    border-left: 3px solid var(--accent);
  }
  .check-list li {
    font-size: 0.84rem;
    gap: 0.5rem;
    font-weight: 500;
  }
  .check-icon { width: 14px; height: 14px; margin-top: 2px; }

  /* Value cards → HIDDEN on mobile */
  .value-cards { display: none; }

  /* Hide the eyebrow accent bar on mobile — cleaner look */
  .section-eyebrow::before { display: none; }
  .section-eyebrow { padding-top: 0; }

  /* ── PRODUCT CARDS ── tighter */
  .products-grid { gap: 0.85rem; }
  .product-card { padding: 1.15rem; }
  .product-card-icon { width: 36px; height: 36px; margin-bottom: 0.5rem; }
  .product-card-icon svg { width: 18px; height: 18px; }
  .product-card-title { font-size: 1rem; margin-bottom: 0.35rem; }
  .product-card-desc { font-size: 0.82rem; margin-bottom: 0.5rem; line-height: 1.5; }
  .product-card-list { margin-bottom: 0.85rem; gap: 0.35rem; }
  .product-card-list li { font-size: 0.78rem; padding-left: 0.85rem; }
  .product-card-btn { padding: 0.75rem 1.25rem; font-size: 0.8rem; }

  /* ── STEPS ── clean numbered list */
  .steps-grid {
    grid-template-columns: 1fr;
    gap: 0;
    counter-reset: step-counter;
  }
  .step-card {
    display: grid;
    grid-template-columns: 2rem 1fr;
    grid-template-rows: auto auto;
    column-gap: 0.75rem;
    row-gap: 0;
    align-items: start;
    text-align: left;
    padding: 0.85rem 0;
    border-radius: 0;
    border: none;
    border-bottom: 1px solid var(--grey-100);
    background: transparent;
    counter-increment: step-counter;
  }
  .step-card:last-child { border-bottom: none; }
  .step-num {
    display: none;
  }
  .step-icon { display: none; }
  /* Numbered circle via CSS counter */
  .step-card::before {
    content: counter(step-counter);
    grid-row: 1 / -1;
    width: 2rem;
    height: 2rem;
    border-radius: 50%;
    background: var(--accent-glow);
    color: var(--accent);
    font-size: 0.82rem;
    font-weight: 700;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    margin-top: 0.1rem;
  }
  .step-card h3 { font-size: 0.88rem; margin-bottom: 0.1rem; }
  .step-card p { font-size: 0.78rem; line-height: 1.45; margin: 0; color: var(--text-muted); }

  /* ── TESTIMONIALS ── horizontal scroll carousel, 1 visible */
  .testimonials-section { padding: 2rem 0; }
  .testimonials-grid {
    display: flex;
    overflow-x: auto;
    scroll-snap-type: x mandatory;
    -webkit-overflow-scrolling: touch;
    gap: 0.75rem;
    padding-bottom: 0.5rem;
    scrollbar-width: none;
  }
  .testimonials-grid::-webkit-scrollbar { display: none; }
  .testimonial-card {
    flex: 0 0 85%;
    scroll-snap-align: center;
    padding: 1rem;
  }
  .testimonial-stars { font-size: 0.72rem; margin-bottom: 0.4rem; }
  .testimonial-quote { font-size: 0.84rem; line-height: 1.55; margin-bottom: 0.65rem; }
  .testimonial-author strong { font-size: 0.8rem; }
  .testimonial-author span { font-size: 0.68rem; }

  /* ── CTA ── */
  .cta-section { padding: 2rem 0; }
  .cta-title { font-size: 1.2rem; margin-bottom: 0.5rem; }
  .cta-text { font-size: 0.84rem; margin-bottom: 1.25rem; line-height: 1.5; }
  .cta-actions { flex-direction: row; gap: 0.5rem; }
  .cta-actions .btn {
    flex: 1;
    text-align: center;
    padding: 0.75rem 0.5rem;
    font-size: 0.78rem;
  }
  .cta-note { font-size: 0.62rem; margin-top: 0.5rem; }

  /* ── FOOTER ── polished mobile layout */
  .footer { padding-top: 1.5rem; }
  .footer-main {
    flex-direction: column;
    gap: 1rem;
  }
  .footer-brand {
    text-align: center;
    margin: 0 auto;
    padding-bottom: 1rem;
    border-bottom: 1px solid rgba(255,255,255,0.06);
  }
  .footer-logo { margin: 0 auto 0.5rem; width: 140px; }
  .footer-tagline { font-size: 0.7rem; margin-bottom: 0.25rem; line-height: 1.5; }
  .footer-fsp { font-size: 0.6rem; opacity: 0.7; }

  /* Footer nav → properly spaced 3-column row */
  .footer-nav {
    display: flex;
    justify-content: space-between;
    width: 100%;
    padding: 0;
  }
  .footer-col { flex: 1; }
  .footer-col:first-child { text-align: left; }
  .footer-col:nth-child(2) { text-align: center; }
  .footer-col:last-child { text-align: right; }
  .footer-col h4 {
    font-size: 0.6rem;
    margin-bottom: 0.4rem;
    opacity: 0.5;
  }
  .footer-col li,
  .footer-col a { font-size: 0.72rem; }
  .footer-col ul { gap: 0.3rem; }

  .footer-divider { margin: 0.85rem 0 0.6rem; }

  /* Bottom bar — single row social + copyright */
  .footer-bottom {
    flex-direction: column;
    align-items: center;
    text-align: center;
    gap: 0.5rem;
    padding-bottom: 4.5rem;
  }
  .footer-social { gap: 0.5rem; }
  .social-link {
    width: 30px;
    height: 30px;
    background: rgba(255,255,255,0.05);
  }
  .social-link svg { width: 13px; height: 13px; }
  .footer-copy { font-size: 0.56rem; opacity: 0.5; }
  .back-to-top { display: none; } /* cleaner without it on mobile */

  /* ── PO ELIGIBILITY (mobile) ── */
  .po-elig-grid { grid-template-columns: 1fr; gap: 1.5rem; text-align: center; }
  .po-elig-title { font-size: 1.2rem; }
  .po-elig-item { font-size: 0.82rem; gap: 0.6rem; }
  .po-elig-dot { width: 6px; height: 6px; }

  /* ── PO STEPS (mobile) ── stack vertically as a numbered list */
  .po-steps { grid-template-columns: 1fr; gap: 0; counter-reset: po-step; }
  .po-step {
    display: grid;
    grid-template-columns: 2rem 1fr;
    grid-template-rows: auto auto;
    column-gap: 0.75rem;
    row-gap: 0;
    text-align: left;
    padding: 0.85rem 0;
    border-radius: 0;
    border: none;
    border-bottom: 1px solid var(--grey-100);
    background: transparent;
    counter-increment: po-step;
  }
  .po-step:last-child { border-bottom: none; }
  .po-step-num { display: none; }
  .po-step-icon { display: none; }
  .po-step::before {
    content: counter(po-step);
    grid-row: 1 / -1;
    width: 2rem;
    height: 2rem;
    border-radius: 50%;
    background: var(--accent-glow);
    color: var(--accent);
    font-size: 0.82rem;
    font-weight: 700;
    display: flex;
    align-items: center;
    justify-content: center;
  }
  .po-step h3 { font-size: 0.88rem; margin-bottom: 0.1rem; }
  .po-step p { font-size: 0.78rem; line-height: 1.45; margin: 0; }
  .po-step:hover { transform: none; box-shadow: none; }

  /* ── DISABLE HOVER TRANSFORMS ON TOUCH ── */
  .product-card:hover,
  .vcard:hover,
  .step-card:hover,
  .testimonial-card:hover {
    transform: none;
    box-shadow: none;
  }


  /* ── SCROLL ANIMATIONS ── reduce motion on mobile */
  [data-animate] {
    transition-duration: 0.3s;
    transform: translateY(10px);
  }
}

/* ══════════════════════════════════════════════════════
   SMALL PHONES (≤ 480px)
   ══════════════════════════════════════════════════════ */
@media (max-width: 480px) {
  .hero-content { padding: 1rem 0 1.5rem; }
  .hero-title { font-size: 1.4rem; }
  .hero-subtitle { font-size: 0.82rem; }

  .trust-inner { flex-wrap: wrap; justify-content: center; }
  .trust-item { padding: 0.25rem 0.45rem; }
  .trust-value { font-size: 0.95rem; }
  .trust-divider { height: 18px; }

  .badges-inner { gap: 0.4rem 0.75rem; }
  .badge-item { font-size: 0.58rem; }

  .section-title { font-size: 1.12rem; }
  .section { padding: 1.75rem 0; }

  .product-card { padding: 1rem; }
  .product-card-title { font-size: 0.92rem; }

  .cta-title { font-size: 1.1rem; }

  /* ── SHARED PRODUCT COMPONENTS (mobile) ── */
  .po-elig-grid { grid-template-columns: 1fr; gap: 1.5rem; text-align: center; }
  .po-elig-title { font-size: 1.2rem; }
  .po-elig-item { font-size: 0.82rem; gap: 0.6rem; }
  .po-elig-dot { width: 6px; height: 6px; }

  .po-calc-placeholder { padding: 2rem 1.25rem; }
  .po-calc-placeholder h3 { font-size: 0.95rem; }
  .po-calc-placeholder p { font-size: 0.8rem; }

  .po-steps { grid-template-columns: 1fr; gap: 0; counter-reset: po-step; }
  .po-step {
    display: grid;
    grid-template-columns: 2rem 1fr;
    grid-template-rows: auto auto;
    column-gap: 0.75rem;
    row-gap: 0;
    text-align: left;
    padding: 0.85rem 0;
    border-radius: 0;
    border: none;
    border-bottom: 1px solid var(--grey-100);
    background: transparent;
    counter-increment: po-step;
  }
  .po-step:last-child { border-bottom: none; }
  .po-step-num { display: none; }
  .po-step-icon { display: none; }
  .po-step::before {
    content: counter(po-step);
    grid-row: 1 / -1;
    width: 2rem;
    height: 2rem;
    border-radius: 50%;
    background: var(--accent-glow);
    color: var(--accent);
    font-size: 0.82rem;
    font-weight: 700;
    display: flex;
    align-items: center;
    justify-content: center;
  }
  .po-step h3 { font-size: 0.88rem; margin-bottom: 0.1rem; }
  .po-step p { font-size: 0.78rem; line-height: 1.45; margin: 0; }
  .po-step:hover { transform: none; box-shadow: none; }

  .po-benefits-grid { grid-template-columns: 1fr; gap: 1.5rem; }
  .po-benefit-card { padding: 1rem; gap: 0.75rem; }
  .po-benefit-card:hover { transform: none; box-shadow: none; }
  .po-bc-icon { width: 34px; height: 34px; }
  .po-bc-icon svg { width: 17px; height: 17px; }
  .po-bc-body strong { font-size: 0.84rem; }
  .po-bc-body p { font-size: 0.76rem; }

  .po-scenario { padding: 1.15rem; }
  .po-scenario p { font-size: 0.82rem; }
}

/* ══════════════════════════════════════════════════════
   TINY PHONES (≤ 360px)
   ══════════════════════════════════════════════════════ */
@media (max-width: 360px) {
  .container { padding: 0 0.75rem; }
  .hero-title { font-size: 1.25rem; }
  .hero-actions .btn { font-size: 0.72rem; padding: 0.7rem 0.4rem; }
  .trust-value { font-size: 0.88rem; }
  .trust-label { font-size: 0.55rem; }
  .section-title { font-size: 1rem; }
}

/* ══════════════════════════════════════════════════════
   SEO CONTENT FEATURE CARDS (PO + BL calculator replacements)
   ══════════════════════════════════════════════════════ */

/* Description paragraph */
.seo-desc {
  max-width: 720px;
  margin: 0 auto 2.5rem;
  font-size: 1.05rem;
  color: var(--text);
  line-height: 1.8;
  text-align: center;
}

/* Feature card grid */
.seo-features-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1.25rem;
  max-width: 800px;
  margin: 0 auto;
}

/* Individual cards — text-only, clean left accent */
.seo-feature-card {
  background: var(--off-white);
  border: 1px solid var(--grey-100);
  border-left: 3px solid var(--accent);
  border-radius: var(--radius);
  padding: 1.5rem 1.35rem;
  text-align: left;
  transition: transform var(--transition), box-shadow var(--transition);
}
.seo-feature-card:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow);
  border-color: var(--grey-100);
  border-left-color: var(--accent);
}

/* Card typography */
.seo-feature-card h3 {
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 0.35rem;
  letter-spacing: -0.01em;
}
.seo-feature-card p {
  font-size: 0.85rem;
  color: var(--text-muted);
  line-height: 1.55;
}

/* ── SEO cards: Mobile ─────────────────────────── */
@media (max-width: 768px) {
  .seo-desc {
    font-size: 0.92rem;
    margin-bottom: 1.75rem;
    line-height: 1.7;
    padding: 0 0.5rem;
  }
  .seo-features-grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 0.75rem;
  }
  .seo-feature-card {
    padding: 1rem 0.85rem;
  }
  .seo-feature-card h3 {
    font-size: 0.82rem;
  }
  .seo-feature-card p {
    font-size: 0.75rem;
    line-height: 1.45;
  }
}

/* Tiny phones: stack to single column */
@media (max-width: 360px) {
  .seo-features-grid {
    grid-template-columns: 1fr;
  }
}