:root {
  --bg: #f4f7fb;
  --surface: #ffffff;
  --surface-alt: #eef4ff;
  --surface-dark: #0d1b3d;
  --primary: #2246d3;
  --primary-strong: #1737a7;
  --secondary: #80d7d0;
  --text: #13213d;
  --muted: #65708b;
  --success: #1aa26b;
  --danger: #d94b68;
  --shadow: 0 18px 45px rgba(17, 32, 72, 0.12);
  --radius-lg: 28px;
  --radius-md: 18px;
  --radius-sm: 12px;
}

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

html {
  scroll-behavior: smooth;
}

body {
  position: relative;
  font-family: "Inter", sans-serif;
  background:
    radial-gradient(ellipse at 12% 18%, rgba(199, 193, 181, 0.28) 0%, rgba(199, 193, 181, 0.12) 18%, transparent 38%),
    radial-gradient(ellipse at 35% 75%, rgba(180, 199, 220, 0.22) 0%, rgba(180, 199, 220, 0.08) 18%, transparent 34%),
    radial-gradient(ellipse at 80% 18%, rgba(210, 214, 224, 0.18) 0%, rgba(210, 214, 224, 0.08) 15%, transparent 28%),
    linear-gradient(180deg, #f8f5f1 0%, #f5f7fb 26%, #eef5ff 100%);
  color: var(--text);
  line-height: 1.6;
  overflow-x: hidden;
}

body::before {
  content: "";
  position: fixed;
  inset: 0;
  background:
    radial-gradient(circle at 18% 42%, rgba(255, 255, 255, 0.72) 0%, rgba(255, 255, 255, 0.1) 20%, transparent 42%),
    radial-gradient(circle at 62% 26%, rgba(255, 255, 255, 0.6) 0%, transparent 24%);
  pointer-events: none;
  z-index: 0;
}

body > * {
  position: relative;
  z-index: 1;
}

img {
  max-width: 100%;
  display: block;
}

a {
  color: inherit;
  text-decoration: none;
}

button,
input {
  font: inherit;
}

.container {
  width: min(1120px, calc(100% - 32px));
  margin: 0 auto;
}

.section-wrap {
  position: relative;
  padding: 110px 0;
}

.section-wrap::before {
  content: "";
  position: absolute;
  inset: 28px 0 0;
  background: linear-gradient(180deg, rgba(255, 255, 255, 0.15), rgba(255, 255, 255, 0));
  border-radius: 32px;
  pointer-events: none;
  z-index: 0;
}

.section-wrap > * {
  position: relative;
  z-index: 1;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 20;
  backdrop-filter: blur(14px);
  background: rgba(245, 248, 255, 0.76);
  border-bottom: 1px solid rgba(19, 33, 61, 0.08);
}

.nav-wrap {
  display: flex;
  align-items: center;
  justify-content: space-between;
  min-height: 82px;
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-weight: 800;
  font-size: 1.15rem;
}

.brand-mark {
  display: inline-grid;
  place-items: center;
  width: 36px;
  height: 36px;
  border-radius: 12px;
  background: linear-gradient(135deg, var(--primary) 0%, #5d7df3 100%);
  color: white;
  box-shadow: var(--shadow);
}

.nav {
  display: flex;
  align-items: center;
  gap: 28px;
}

.nav-item {
  position: relative;
}

.nav a,
.nav button {
  color: var(--muted);
  font-weight: 500;
  transition: color 0.2s ease;
}

.nav-trigger {
  border: none;
  background: transparent;
  padding: 0;
  cursor: pointer;
  font: inherit;
}

.nav-trigger:hover,
.nav-trigger:focus-visible,
.nav a:hover,
.nav a:focus-visible {
  color: var(--text);
}

.dropdown-menu {
  position: absolute;
  top: calc(100% + 12px);
  left: 0;
  display: grid;
  gap: 8px;
  min-width: 170px;
  padding: 14px 12px;
  background: rgba(255, 255, 255, 0.98);
  border: 1px solid rgba(19, 33, 61, 0.08);
  border-radius: 14px;
  box-shadow: var(--shadow);
  opacity: 0;
  visibility: hidden;
  transform: translateY(8px);
  transition: opacity 0.22s ease, visibility 0.22s ease, transform 0.22s ease;
  z-index: 25;
}

.services-dropdown {
  min-width: 220px;
}

.dropdown-group {
  position: relative;
  display: grid;
  gap: 6px;
}

.personal-menu {
  position: relative;
}

.personal-trigger {
  display: block;
  padding: 6px 10px;
  border-radius: 10px;
  color: var(--muted);
  font-weight: 500;
}

.personal-trigger:hover,
.personal-trigger:focus-visible {
  background: #f3f7ff;
  color: var(--text);
}

.side-dropdown {
  position: absolute;
  top: 0;
  left: calc(100% + 12px);
  min-width: 170px;
  z-index: 30;
  opacity: 0;
  visibility: hidden;
  transform: translateX(-6px);
  transition: opacity 0.22s ease, visibility 0.22s ease, transform 0.22s ease;
  pointer-events: none;
}

.nav-item.has-menu:hover > .dropdown-menu,
.nav-item.has-menu:focus-within > .dropdown-menu,
.nav-item.has-menu.open > .dropdown-menu,
.personal-parent:hover > .personal-dropdown,
.personal-parent:focus-within > .personal-dropdown {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}

.personal-dropdown {
  min-width: 190px;
}

.dropdown-menu a,
.dropdown-menu span {
  padding: 6px 10px;
  border-radius: 10px;
  display: block;
  color: var(--muted);
  font-weight: 500;
}

.dropdown-menu a:hover,
.dropdown-menu span:hover {
  background: #f3f7ff;
  color: var(--text);
}

.nav a:hover,
.nav a:focus-visible {
  color: var(--text);
}

.nav-actions {
  display: flex;
  align-items: center;
  gap: 14px;
  margin-left: 12px;
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border: 0;
  border-radius: 999px;
  padding: 0.9rem 1.45rem;
  font-weight: 600;
  cursor: pointer;
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}

.btn:hover,
.btn:focus-visible {
  transform: translateY(-1px);
}

.btn-primary {
  color: #fff;
  background: linear-gradient(135deg, var(--primary) 0%, var(--primary-strong) 100%);
  box-shadow: 0 12px 24px rgba(34, 70, 211, 0.24);
}

.btn-secondary,
.btn-light {
  background: rgba(255, 255, 255, 0.9);
  color: var(--text);
  border: 1px solid rgba(19, 33, 61, 0.08);
}

.btn-inline {
  padding: 0.5rem 0.9rem;
  background: #edf3ff;
  color: var(--primary);
  font-size: 0.85rem;
}

.full-width {
  width: 100%;
}

.hero {
  padding: 88px 0 60px;
}

.hero-grid {
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  gap: 56px;
  align-items: center;
}

.eyebrow {
  display: inline-block;
  margin-bottom: 20px;
  font-size: 0.8rem;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  font-weight: 700;
  color: var(--primary);
}

.eyebrow.center {
  display: block;
  text-align: center;
}

.eyebrow.light {
  color: rgba(255, 255, 255, 0.8);
}

.hero-copy h1,
.section-heading h2,
.calc-copy h2,
.cta-inner h2 {
  line-height: 1.1;
  letter-spacing: -0.05em;
}

.hero-copy h1 {
  max-width: 560px;
  font-size: clamp(3rem, 5vw, 5rem);
  margin-bottom: 18px;
}

.hero-text {
  max-width: 540px;
  color: var(--muted);
  font-size: 1.08rem;
  margin-bottom: 28px;
}

.cta-row {
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
  margin-bottom: 28px;
}

.trust-list {
  display: flex;
  flex-wrap: wrap;
  gap: 20px 30px;
  padding-left: 18px;
  color: var(--muted);
  font-size: 0.95rem;
}

.hero-visual {
  position: relative;
  min-height: 560px;
  display: grid;
  place-items: center;
}

.statement-card {
  position: relative;
  z-index: 2;
  width: min(100%, 450px);
  background: linear-gradient(135deg, #111d3d 0%, #213a6b 100%);
  color: #f5f7ff;
  border-radius: var(--radius-lg);
  padding: 32px;
  box-shadow: 0 24px 60px rgba(18, 24, 43, 0.22);
}

.card-top,
.card-row,
.account-meta,
.panel-header,
.card-head {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
}

.muted {
  color: rgba(255, 255, 255, 0.72);
  font-size: 0.9rem;
}

.pill {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border-radius: 999px;
  padding: 0.45rem 0.7rem;
  font-size: 0.75rem;
  font-weight: 700;
}

.pill.positive,
.pill.success {
  background: rgba(64, 190, 129, 0.17);
  color: #8ff2c0;
}

.pill.neutral {
  background: rgba(255, 255, 255, 0.08);
  color: #dfe9ff;
}

.statement-card h2 {
  font-size: clamp(2.4rem, 5vw, 3.4rem);
  margin: 18px 0 28px;
  letter-spacing: -0.06em;
}

.mini-chart {
  height: 90px;
  display: flex;
  align-items: end;
  gap: 10px;
  margin-bottom: 28px;
}

.mini-chart span {
  display: block;
  width: 14%;
  border-radius: 999px 999px 0 0;
  background: linear-gradient(180deg, rgba(128, 215, 208, 1) 0%, rgba(128, 215, 208, 0.2) 100%);
}

.mini-chart span:nth-child(1) { height: 38%; }
.mini-chart span:nth-child(2) { height: 65%; }
.mini-chart span:nth-child(3) { height: 48%; }
.mini-chart span:nth-child(4) { height: 75%; }
.mini-chart span:nth-child(5) { height: 92%; }
.mini-chart span:nth-child(6) { height: 100%; }

.card-row {
  padding-top: 18px;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  margin-top: 16px;
  color: rgba(255, 255, 255, 0.9);
}

.floating-card {
  position: absolute;
  background: rgba(255, 255, 255, 0.96);
  border: 1px solid rgba(17, 29, 61, 0.04);
  border-radius: 18px;
  box-shadow: 0 18px 30px rgba(79, 96, 149, 0.15);
  padding: 16px 18px;
  display: grid;
  gap: 6px;
}

.floating-card p {
  color: var(--muted);
  font-size: 0.76rem;
}

.floating-card strong {
  font-size: 1.15rem;
}

.card-1 {
  right: 20px;
  bottom: 70px;
  z-index: 3;
}

.card-2 {
  left: 10px;
  top: 70px;
  z-index: 3;
}

.stats {
  padding: 20px 0 0;
}

.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 20px;
}

.stat-item {
  background: rgba(255, 255, 255, 0.6);
  border: 1px solid rgba(19, 33, 61, 0.06);
  border-radius: var(--radius-md);
  padding: 24px 20px;
  display: grid;
  gap: 8px;
}

.stat-item strong {
  font-size: clamp(1.5rem, 2vw, 2rem);
  letter-spacing: -0.05em;
}

.stat-item span {
  color: var(--muted);
  font-size: 0.95rem;
}

.section-heading {
  margin-bottom: 40px;
}

.section-heading h2,
.calc-copy h2,
.cta-inner h2 {
  font-size: clamp(2.2rem, 4vw, 3.3rem);
  color: var(--text);
}

.split-heading {
  display: flex;
  align-items: end;
  justify-content: space-between;
  gap: 20px;
}

.text-link {
  color: var(--primary);
  font-weight: 600;
}

.feature-grid,
.testimonial-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 24px;
}

.feature-card,
.testimonial-card,
.business-card {
  background: rgba(255, 255, 255, 0.82);
  border: 1px solid rgba(19, 33, 61, 0.06);
  border-radius: 22px;
  box-shadow: var(--shadow);
}

.feature-card {
  overflow: hidden;
}

.feature-link {
  display: block;
  padding: 28px 24px;
  color: inherit;
}

.feature-link:hover,
.feature-link:focus-visible {
  color: inherit;
}

.feature-trigger {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 28px 24px 18px;
  border: none;
  background: transparent;
  text-align: left;
  cursor: pointer;
  color: inherit;
}

.feature-main {
  display: flex;
  align-items: flex-start;
  gap: 16px;
  width: 100%;
}

.feature-copy {
  display: grid;
  gap: 10px;
}

.feature-title {
  display: block;
  font-size: 1.3rem;
  font-weight: 700;
  color: var(--text);
}

.feature-description {
  display: block;
  color: var(--muted);
  line-height: 1.6;
}

.feature-arrow {
  display: inline-grid;
  place-items: center;
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: #edf3ff;
  color: var(--primary);
  font-size: 1.4rem;
  line-height: 1;
  transition: transform 0.2s ease, background 0.2s ease;
}

.accordion-card.is-open .feature-arrow {
  transform: rotate(45deg);
  background: #dfeaff;
}

.feature-submenu {
  display: grid;
  gap: 8px;
  max-height: 0;
  overflow: hidden;
  opacity: 0;
  padding: 0 24px;
  transition: max-height 0.25s ease, opacity 0.2s ease, padding 0.2s ease;
}

.accordion-card.is-open .feature-submenu {
  max-height: 220px;
  opacity: 1;
  padding: 0 24px 22px;
}

.feature-submenu a {
  display: block;
  padding: 10px 12px;
  border-radius: 10px;
  background: #f3f7ff;
  color: var(--primary);
  font-weight: 600;
}

.feature-submenu a:hover,
.feature-submenu a:focus-visible {
  background: #e9f1ff;
}

.icon-box {
  display: inline-grid;
  place-items: center;
  width: 56px;
  height: 56px;
  margin-bottom: 0;
  border-radius: 16px;
  font-weight: 700;
  color: white;
  flex-shrink: 0;
}

.icon-box.primary {
  background: linear-gradient(135deg, var(--primary) 0%, #496ce6 100%);
}

.icon-box.blue {
  background: linear-gradient(135deg, #2d8cff 0%, #76c8ff 100%);
}

.icon-box.purple {
  background: linear-gradient(135deg, #6f58ff 0%, #a17cff 100%);
}

.feature-card h3 {
  font-size: 1.3rem;
  margin-bottom: 12px;
}

.feature-card p,
.testimonial-card p,
.calc-copy p,
.site-footer p {
  color: var(--muted);
}

.feature-link h3,
.feature-link p {
  margin-left: 0;
}

.business-landing {
  background: linear-gradient(180deg, rgba(236, 244, 255, 0.9) 0%, rgba(245, 248, 255, 0.95) 100%);
}

.business-hero {
  display: grid;
  grid-template-columns: 1.2fr 0.8fr;
  gap: 28px;
  align-items: center;
  margin-bottom: 30px;
}

.business-copy h2 {
  font-size: clamp(2.5rem, 4vw, 3.6rem);
  line-height: 1.08;
  letter-spacing: -0.06em;
  margin-bottom: 16px;
}

.business-copy p {
  max-width: 600px;
  color: var(--muted);
  font-size: 1.04rem;
}

.business-panel {
  padding: 30px 26px;
  border-radius: 26px;
  background: linear-gradient(135deg, #0e2148 0%, #2145b0 100%);
  color: white;
  box-shadow: 0 20px 50px rgba(19, 33, 97, 0.18);
}

.panel-badge {
  display: inline-flex;
  padding: 0.5rem 0.8rem;
  border-radius: 999px;
  background: rgba(255, 255, 255, 0.08);
  font-size: 0.75rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin-bottom: 18px;
}

.business-panel h3 {
  font-size: clamp(2.5rem, 4vw, 3.2rem);
  letter-spacing: -0.06em;
  margin-bottom: 22px;
}

.panel-list {
  display: grid;
  gap: 16px;
}

.panel-list div {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  padding-top: 14px;
  border-top: 1px solid rgba(255, 255, 255, 0.12);
}

.panel-list span {
  color: rgba(255, 255, 255, 0.8);
}

.business-metrics {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 20px;
  margin-bottom: 40px;
}

.business-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 22px;
}

.business-card {
  padding: 26px 22px;
}

.business-card h3 {
  margin-bottom: 10px;
  font-size: 1.2rem;
}

.business-card p {
  color: var(--muted);
}

.icon-box.alt {
  background: linear-gradient(135deg, #ff9966 0%, #ff6f61 100%);
}

.dashboard-grid {
  display: grid;
  grid-template-columns: 1fr 1.1fr;
  gap: 30px;
}

.account-panel,
.transaction-panel,
.calculator-card {
  background: rgba(255, 255, 255, 0.86);
  border: 1px solid rgba(19, 33, 61, 0.06);
  border-radius: 28px;
  box-shadow: var(--shadow);
}

.account-panel {
  padding: 22px;
  display: grid;
  gap: 20px;
}

.account-card {
  background: linear-gradient(135deg, #eff5ff 0%, #ffffff 100%);
  border-radius: 22px;
  padding: 24px;
  border: 1px solid rgba(19, 33, 61, 0.06);
}

.main-account {
  background: linear-gradient(135deg, #112c63 0%, #1b3c8a 100%);
  color: white;
}

.main-account .card-head span:first-child,
.main-account .account-meta span {
  color: rgba(255, 255, 255, 0.8);
}

.account-card h3 {
  margin: 14px 0 20px;
  font-size: clamp(2rem, 3vw, 2.4rem);
  letter-spacing: -0.06em;
}

.small-account h3 {
  font-size: clamp(1.8rem, 2vw, 2.2rem);
}

.transaction-panel {
  padding: 24px 20px;
}

.panel-header {
  margin-bottom: 18px;
  padding: 0 8px;
}

.panel-header h3 {
  font-size: 1.35rem;
}

.transaction-list {
  list-style: none;
  display: grid;
  gap: 12px;
}

.transaction-list li {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 18px 12px;
  border-radius: 18px;
  background: #f8faff;
}

.tx-label {
  display: flex;
  align-items: center;
  gap: 12px;
}

.dot {
  width: 13px;
  height: 13px;
  border-radius: 50%;
  display: inline-block;
}

.dot.green { background: var(--success); }
.dot.blue { background: var(--primary); }
.dot.purple { background: #8066ff; }

.tx-label div {
  display: grid;
  gap: 2px;
}

.tx-label small {
  color: var(--muted);
}

.amount {
  font-weight: 700;
}

.amount.positive {
  color: var(--success);
}

.amount.negative {
  color: var(--danger);
}

.calc-wrap {
  display: grid;
  grid-template-columns: 0.8fr 1.2fr;
  gap: 30px;
  align-items: center;
}

.calculator-card {
  padding: 30px;
}

.input-group {
  display: grid;
  gap: 10px;
  margin-bottom: 18px;
}

.input-row {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 18px;
}

label {
  font-weight: 600;
  color: var(--text);
}

input {
  width: 100%;
  border: 1px solid rgba(19, 33, 61, 0.1);
  border-radius: 14px;
  background: #f4f7ff;
  color: var(--text);
  padding: 0.9rem 1rem;
}

input:focus {
  outline: 2px solid rgba(34, 70, 211, 0.2);
  border-color: rgba(34, 70, 211, 0.3);
}

.result-box {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  margin-top: 24px;
  padding: 18px 18px;
  border-radius: 18px;
  background: linear-gradient(135deg, #edf4ff 0%, #f7f9ff 100%);
  border: 1px solid rgba(19, 33, 61, 0.05);
}

.result-box span {
  color: var(--muted);
}

.result-box strong {
  font-size: clamp(1.7rem, 2vw, 2.2rem);
  letter-spacing: -0.06em;
}

.testimonial-grid {
  margin-top: 12px;
}

.testimonial-card {
  padding: 28px 24px 22px;
}

.person {
  display: grid;
  gap: 3px;
  margin-top: 20px;
}

.person strong {
  font-size: 1.02rem;
}

.person span {
  color: var(--muted);
  font-size: 0.9rem;
}

.cta-strip {
  padding: 0 0 80px;
}

.cta-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 28px;
  padding: 34px 36px;
  border-radius: 28px;
  background: linear-gradient(135deg, #102351 0%, #2246d3 100%);
  color: white;
  box-shadow: 0 24px 60px rgba(16, 35, 81, 0.25);
}

.btn-primary.alt {
  background: #fff;
  color: var(--primary);
  box-shadow: none;
}

.site-footer {
  padding: 18px 0 32px;
  background: rgba(255, 255, 255, 0.5);
  border-top: 1px solid rgba(19, 33, 61, 0.06);
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.2fr 0.8fr 0.8fr;
  gap: 18px;
  padding-bottom: 20px;
}

.footer-brand {
  margin-bottom: 14px;
}

.site-footer h4 {
  margin-bottom: 12px;
}

.site-footer ul {
  list-style: none;
  display: grid;
  gap: 10px;
}

.site-footer a {
  color: var(--muted);
}

.footer-bottom {
  border-top: 1px solid rgba(19, 33, 61, 0.06);
  padding-top: 18px;
  color: var(--muted);
  font-size: 0.9rem;
}

.menu-toggle {
  display: none;
  flex-direction: column;
  justify-content: center;
  gap: 5px;
  width: 42px;
  height: 42px;
  border-radius: 12px;
  background: rgba(255, 255, 255, 0.7);
  border: 1px solid rgba(19, 33, 61, 0.07);
}

.menu-toggle span {
  display: block;
  width: 20px;
  height: 2px;
  margin: 0 auto;
  border-radius: 999px;
  background: var(--text);
}

@media (max-width: 860px) {
  .nav {
    position: absolute;
    top: calc(100% + 8px);
    right: 16px;
    left: 16px;
    display: none;
    flex-direction: column;
    align-items: flex-start;
    gap: 16px;
    padding: 20px;
    background: rgba(255, 255, 255, 0.98);
    border: 1px solid rgba(19, 33, 61, 0.08);
    border-radius: 18px;
    box-shadow: var(--shadow);
  }

  .nav.open {
    display: flex;
  }

  .nav-actions {
    width: 100%;
    margin-left: 0;
    display: grid;
    grid-template-columns: 1fr 1fr;
  }

  .menu-toggle {
    display: inline-flex;
  }

  .hero-grid,
  .business-hero,
  .dashboard-grid,
  .calc-wrap,
  .footer-grid,
  .feature-grid,
  .testimonial-grid,
  .stats-grid,
  .business-grid,
  .business-metrics {
    grid-template-columns: 1fr;
  }

  .hero {
    padding-top: 60px;
  }

  .hero-visual {
    min-height: 470px;
  }

  .split-heading,
  .cta-inner {
    flex-direction: column;
    align-items: flex-start;
  }
}

@media (max-width: 560px) {
  .hero-copy h1 {
    font-size: 2.7rem;
  }

  .cta-row {
    flex-direction: column;
  }

  .btn {
    width: 100%;
  }

  .statement-card {
    padding: 20px;
  }

  .input-row {
    grid-template-columns: 1fr;
  }

  .result-box {
    flex-direction: column;
    align-items: flex-start;
  }
}