/* ── Reset & Base ── */

html { scroll-behavior: smooth; }
body {
  font-family: 'Red Hat Display', system-ui, sans-serif;
  color: #1a202c;
  background: #fff;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

/* ── Design Tokens ── */


/* ── Layout ── */
.wrap { max-width: 1140px; margin: 0 auto; padding: 0 48px; }
@media (max-width: 768px) { .wrap { padding: 0 24px; } }

/* ── Buttons ── */
.btn{display: inline-flex; align-items: center; gap: 8px;
  font-family: inherit; font-size: 15px; font-weight: 600;
  padding: 14px 28px; border-radius: 8px;
  text-decoration: none; border: none; cursor: pointer;
  transition: all .2s ease; letter-spacing: -.01em; white-space: nowrap;}
.btn--primary {
  background: var(--primary); color: #fff;
  box-shadow: 0 4px 14px rgba(161,30,92,.35);
}
.btn--primary:hover { background: var(--primary-dark); transform: translateY(-1px); box-shadow: 0 6px 20px rgba(161,30,92,.45); }
.btn--white {
  background: #fff; color: var(--primary);
  box-shadow: 0 4px 18px rgba(0,0,0,.16);
}
.btn--white:hover { background: #f9f0f5; transform: translateY(-1px); box-shadow: 0 6px 28px rgba(0,0,0,.2); }
.btn--ghost-white {
  background: transparent; color: rgba(255,255,255,.8);
  border: 1.5px solid rgba(255,255,255,.22);
}
.btn--ghost-white:hover { border-color: rgba(255,255,255,.6); color: #fff; background: rgba(255,255,255,.07); }

/* ── Tags ── */
.tag {
  display: inline-flex; align-items: center;
  font-size: 11px; font-weight: 700; letter-spacing: .08em;
  text-transform: uppercase; padding: 5px 13px; border-radius: 100px;
}
.tag--teal    { background: var(--teal-light); color: var(--teal); border: 1px solid var(--teal-mid); }
.tag--coral   { background: var(--rose-light); color: var(--rose); border: 1px solid var(--rose-mid); }
.tag--amber   { background: #faeeda; color: #633806; border: 1px solid #f0d0a0; }
.tag--blue    { background: #f0f4ff; color: #1a4fd6; border: 1px solid #c8d8ff; }
.tag--magenta { background: var(--primary-light); color: var(--primary); border: 1px solid var(--primary-mid); }
.tag--purple  { background: #eeedfe; color: #3c3489; border: 1px solid #c8c5f8; }
.tag--gray    { background: var(--surface); color: var(--muted); border: 1px solid var(--border); }

/* ── Typography ── */
.h2 {
  font-size: clamp(28px, 3.6vw, 48px);
  font-weight: 800; line-height: 1.1; color: var(--navy);
  margin: 0 0 18px; letter-spacing: -.03em;
}
.lead { font-size: clamp(15px, 1.5vw, 17px); line-height: 1.7; color: var(--muted); }

/* ══════════════════════════════════════════
   NAV
══════════════════════════════════════════ */
.nav {
  position: sticky; top: 0; z-index: 100;
  background: rgba(255,255,255,.92);
  backdrop-filter: blur(12px); -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--border);
}
.nav__inner {
  max-width: 1140px; margin: 0 auto; padding: 0 48px;
  height: 64px; display: flex; align-items: center;
  justify-content: space-between; gap: 32px;
}
.nav__logo { display: inline-flex; align-items: center; text-decoration: none; line-height: 1; }
.nav__logo svg { height: 28px; width: auto; display: block; }
.nav__links { display: flex; align-items: center; gap: 32px; list-style: none; }
.nav__links a { font-size: 14px; font-weight: 500; color: var(--muted); text-decoration: none; transition: color .2s; letter-spacing: -.01em; }
.nav__links a:hover { color: #1a202c; }
.nav__links a.active { color: #1a202c; font-weight: 600; }
@media (max-width: 900px) { .nav__links { display: none; } .nav__inner { padding: 0 24px; } }

/* ══════════════════════════════════════════
   HERO
══════════════════════════════════════════ */
.hero {
  background-image: url('../assets/images/services-hero.png'), linear-gradient(135deg, #a11e5c 0%, #BA535F 100%);
  background-position: right center, center;
  background-size: auto 100%, cover;
  background-repeat: no-repeat;
  position: relative;
  overflow: hidden;
}
.hero__glow {
  position: absolute; inset: 0; pointer-events: none;
  background:
    radial-gradient(ellipse 55% 60% at 5% 100%, rgba(0,0,0,.18) 0%, transparent 60%),
    radial-gradient(ellipse 40% 50% at 95% 0%, rgba(255,255,255,.08) 0%, transparent 55%);
}
.hero__grid {
  position: absolute; inset: 0; pointer-events: none;
  background-image: radial-gradient(circle, rgba(0,0,0,.1) 1px, transparent 1px);
  background-size: 30px 30px;
}
.hero__inner {
  max-width: 1140px; margin: 0 auto;
  padding: 108px 48px 100px;
  position: relative; z-index: 1;
}
.hero__content { max-width: 700px; }
.hero__tag {
  display: inline-flex; align-items: center; gap: 9px;
  font-size: 11px; font-weight: 700; letter-spacing: .12em;
  text-transform: uppercase; color: rgba(255,255,255,.65);
  margin-bottom: 30px;
}
.hero__tag-dot { width: 7px; height: 7px; border-radius: 50%; background: rgba(255,255,255,.9); flex-shrink: 0; }
.hero__title {
  font-size: clamp(44px, 5.8vw, 72px);
  font-weight: 800; line-height: 1.06; letter-spacing: -.04em;
  color: #fff; margin: 0 0 28px;
}
.hero__title em { font-style: normal; color: rgba(255,255,255,.88); }
.hero__sub {
  font-size: clamp(15px, 1.65vw, 17px); line-height: 1.76;
  color: rgba(255,255,255,.78); max-width: 600px; margin: 0 0 20px;
}
.hero__note {
  font-size: 15px; color: rgba(255,255,255,.6); line-height: 1.65;
  max-width: 580px; margin: 0 0 40px;
  padding-left: 18px; border-left: 2px solid rgba(255,255,255,.3);
}
.hero__cta-row { display: flex; gap: 12px; flex-wrap: wrap; }
@media (max-width: 768px) { .hero__inner { padding: 80px 24px 72px; } }

/* ══════════════════════════════════════════
   METRICS STRIP
══════════════════════════════════════════ */
.metrics {
  background: #fff;
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
}
.metrics__inner {
  max-width: 1140px; margin: 0 auto; padding: 0 48px;
  display: flex; justify-content: space-between; align-items: stretch;
}
@media (max-width: 800px) { .metrics__inner { padding: 0 24px; flex-wrap: wrap; } }
.metrics__item {
  padding: 32px 40px 32px 0; flex: 1;
  display: flex; flex-direction: column; align-items: flex-start; gap: 6px;
}
.metrics__item:first-child { padding-left: 0; }
.metrics__item:last-child { padding-right: 0; }
@media (max-width: 800px) {
  .metrics__item { flex: 1 1 48%; border-bottom: 1px solid var(--border); padding: 24px 0; }
  .metrics__item:last-child { border-bottom: none; }
}
.metrics__dot { display: none; }
.metrics__label { font-size: 20px; font-weight: 600; color: var(--navy); line-height: 1.3; }
.metrics__desc { font-size: 13px; color: var(--muted); line-height: 1.5; }

/* ══════════════════════════════════════════
   CATEGORY SECTIONS
══════════════════════════════════════════ */
.cat-section { padding: var(--pad) 0; }
.cat-section--alt {
  background: var(--surface);
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
}

.cat-header { margin-bottom: 36px; display: flex; align-items: flex-start; gap: 20px; }
.cat-icon {
  width: 52px; height: 52px; border-radius: 14px;
  display: flex; align-items: center; justify-content: center;
  font-size: 22px; flex-shrink: 0; margin-top: 4px;
}
.cat-icon--teal    { background: var(--teal-light); }
.cat-icon--coral   { background: var(--rose-light); }
.cat-icon--amber   { background: #faeeda; }
.cat-icon--blue    { background: #f0f4ff; }
.cat-icon--purple  { background: #eeedfe; }
.cat-icon--magenta { background: var(--primary-light); }

.cat-header-text h2 {
  font-size: 32px;
  font-weight: 700; color: var(--navy);
  margin: 0 0 16px; letter-spacing: -.02em; line-height: 1.2;
}
.cat-header-text p {
  font-size: 14.5px; color: var(--muted); line-height: 1.65; margin: 0; max-width: 640px;
}

/* ── Card Grids ── */
.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 16px; }
@media (max-width: 640px) { .grid-2 { grid-template-columns: 1fr; } }

/* ── Service Cards ── */
.svc-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  padding: 32px;
  display: flex;
  flex-direction: column;
}
.cat-section--alt .svc-card { background: #fff; }

.svc-card .tag {
  margin-bottom: 16px;
  align-self: flex-start;
}
.svc-card h3 {
  font-size: 20px;
  font-weight: 700;
  color: var(--navy);
  margin: 0 0 12px;
  line-height: 1.25;
  letter-spacing: -.02em;
}
.svc-card p {
  font-size: 15px;
  line-height: 1.7;
  color: var(--muted);
  margin: 0 0 16px;
}
.svc-card p:last-child { margin-bottom: 0; }

/* ── Service list ── */
.svc-list {
  list-style: none;
  padding: 0;
  margin: 8px 0 0;
  display: flex;
  flex-direction: column;
  gap: 9px;
}
.svc-list li {
  font-size: 14px;
  font-weight: 500;
  color: var(--navy);
  display: flex;
  align-items: flex-start;
  gap: 10px;
  line-height: 1.4;
}
.svc-list li::before {
  content: '';
  width: 18px; height: 18px;
  border-radius: 50%; flex-shrink: 0; margin-top: 1px;
  background-color: var(--teal-light);
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 10 10'%3E%3Cpolyline points='2,5 4,7 8,3' fill='none' stroke='%2301b6b1' stroke-width='1.5' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
  background-size: 10px; background-repeat: no-repeat; background-position: center;
}

/* ══════════════════════════════════════════
   SECTION HERO (image + text header)
══════════════════════════════════════════ */
.section-hero {
  display: flex;
  gap: 24px;
  align-items: flex-start;
  margin-bottom: 40px;
}
.section-hero__image {
  width: 242px;
  height: auto;
  flex-shrink: 0;
  border-radius: var(--r-md);
  display: block;
}
.section-hero__content h2 {
  font-size: 32px;
  font-weight: 700;
  color: #000;
  margin: 0 0 16px;
  letter-spacing: -.02em;
  line-height: 1.2;
}
.section-hero__content p {
  font-size: 20px;
  line-height: 1.4;
  color: #000;
  margin: 0;
}
@media (max-width: 768px) {
  .section-hero { flex-direction: column; }
  .section-hero__image { width: 100%; height: auto; }
}

/* ── Compliance card overrides ── */
#compliance .svc-card {
  background: #f9fafc;
  border: none;
  border-radius: 24px;
  padding: 28px;
  box-shadow: none;
}
#compliance .svc-card .tag {
  display: block;
  font-size: 24px;
  font-weight: 700;
  color: #000;
  background: none;
  border: none;
  padding: 0;
  margin: 0 0 12px;
  text-transform: none;
  letter-spacing: normal;
  border-radius: 0;
}
#compliance .svc-card h3 {
  font-size: 20px;
  font-weight: 600;
  color: #000;
  margin: 0 0 14px;
  line-height: 1.25;
  letter-spacing: -.01em;
}
#compliance .svc-card p {
  font-size: 15px;
  line-height: 1.65;
  color: #000;
  margin: 0 0 14px;
}
#compliance .svc-list {
  list-style: none;
  padding: 0;
  margin: 8px 0 0;
  display: flex;
  flex-direction: column;
  gap: 9px;
}
#compliance .svc-list li {
  font-size: 14px;
  color: var(--navy);
  font-weight: 500;
  line-height: 1.4;
  display: flex;
  align-items: flex-start;
  gap: 10px;
}
#compliance .svc-list li::before {
  display: inline-block;
  content: '';
  width: 18px; height: 18px;
  border-radius: 50%; flex-shrink: 0; margin-top: 1px;
  background-color: var(--teal-light);
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 10 10'%3E%3Cpolyline points='2,5 4,7 8,3' fill='none' stroke='%2301b6b1' stroke-width='1.5' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
  background-size: 10px; background-repeat: no-repeat; background-position: center;
}

/* ══════════════════════════════════════════
   LENDING SECTION
══════════════════════════════════════════ */
#lending {
  overflow: hidden;
}
#lending .wrap {
  position: relative;
}
#lending .cat-icon { display: none; }
#lending .cat-header,
#lending .grid-2 { position: relative; z-index: 1; }
.lending-image {
  position: absolute;
  top: -10px;
  right: 48px;
  width: 400px;
  height: auto;
  pointer-events: none;
  z-index: 0;
}
#lending .svc-card .tag {
  background: none;
  border: none;
  padding: 0;
  font-size: 13px;
  font-weight: 600;
  color: #BA535F;
  text-transform: uppercase;
  letter-spacing: .06em;
  border-radius: 0;
  margin-bottom: 14px;
}
#lending .svc-list li::before {
  background-color: rgba(229, 102, 117, 0.15);
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 10 10'%3E%3Cpolyline points='2,5 4,7 8,3' fill='none' stroke='%23BA535F' stroke-width='1.5' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
}

/* ══════════════════════════════════════════
   ACCOUNT OPERATIONS SECTION
══════════════════════════════════════════ */
#operations {
  border-top: none !important;
  border-bottom: none !important;
}
#operations .cat-icon { display: none; }
#operations .svc-card .tag {
  background: none;
  border: none;
  padding: 0;
  font-size: 13px;
  font-weight: 600;
  color: #BA535F;
  text-transform: uppercase;
  letter-spacing: .06em;
  border-radius: 0;
  margin-bottom: 14px;
}

/* ══════════════════════════════════════════
   ACCOUNT OPERATIONS SECTION
══════════════════════════════════════════ */
#operations {
  border-top: none !important;
  border-bottom: none !important;
}
#operations .cat-icon { display: none; }
#operations .svc-card .tag {
  background: none;
  border: none;
  padding: 0;
  font-size: 13px;
  font-weight: 600;
  color: #BA535F;
  text-transform: uppercase;
  letter-spacing: .06em;
  border-radius: 0;
  margin-bottom: 14px;
}

/* ══════════════════════════════════════════
   PAYMENTS SECTION
══════════════════════════════════════════ */
#payments {
  background: #e8f6f5;
  border-top: none !important;
  border-bottom: none !important;
  border-radius: 24px;
  max-width: 1200px;
  margin: 0 auto;
  padding: 60px;
  overflow: hidden;
  position: relative;
}
#payments .wrap { max-width: none; padding: 0; margin: 0; }

.payments-hero {
  position: relative;
  margin-bottom: 48px;
}
.payments-hero h2 {
  font-size: 32px;
  font-weight: 700;
  color: #0a0f1e;
  margin: 0 0 16px;
  line-height: 1.2;
  letter-spacing: -.02em;
  max-width: 520px;
}
.payments-hero p {
  font-size: 16px;
  color: #444;
  line-height: 1.6;
  max-width: 480px;
  margin: 0;
}
.payments-hero-image {
  position: absolute;
  top: -80px;
  right: -60px;
  width: 440px;
  height: auto;
  object-fit: contain;
  opacity: 0.9;
  pointer-events: none;
}

.payments-layout {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
  align-items: stretch;
}

.payments-tabs {
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  gap: 4px;
}
.payments-tab {
  padding: 20px 24px;
  border-radius: 16px;
  cursor: pointer;
  transition: background .2s ease;
  position: relative;
  flex: 1;
  display: flex;
  flex-direction: column;
  justify-content: center;
  background: transparent;
}
.payments-tab:hover:not(.active) { background: rgba(255,255,255,.7); }
.payments-tab.active { background: var(--teal); }

.tab-label {
  font-size: 13px;
  font-weight: 700;
  color: var(--teal);
  margin-bottom: 6px;
  transition: color .2s;
}
.payments-tab.active .tab-label { color: rgba(255,255,255,.85); }

.tab-title {
  font-size: 20px;
  font-weight: 600;
  color: #0a0f1e;
  line-height: 1.3;
  padding-right: 32px;
  transition: color .2s;
}
.payments-tab.active .tab-title { color: #fff; font-weight: 700; }

.tab-arrow {
  position: absolute;
  right: 20px; top: 50%;
  transform: translateY(-50%);
  font-size: 22px;
  color: #bbb;
  transition: color .2s;
  line-height: 1;
}
.payments-tab.active .tab-arrow { color: rgba(255,255,255,.5); }

.payments-panel {
  border-radius: 24px;
  padding: 36px;
  color: #fff;
  position: relative;
  overflow: hidden;
  min-height: 380px;
}
.payments-panel::before {
  content: '';
  position: absolute; inset: 0;
  background: rgba(1,182,177,.88);
  border-radius: 24px;
  z-index: 0;
}
.payments-panel::after {
  content: '';
  position: absolute;
  top: -60px; right: -60px;
  width: 200px; height: 200px;
  background: rgba(255,255,255,.06);
  border-radius: 50%;
  z-index: 1;
}
.panel-inner { position: relative; z-index: 2; }

.panel-body {
  font-size: 15px;
  font-weight: 500;
  line-height: 1.65;
  color: rgba(255,255,255,.92);
  margin-bottom: 28px;
}
.panel-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 12px;
}
.panel-list li {
  font-size: 15px;
  font-weight: 500;
  color: rgba(255,255,255,.92);
  display: flex;
  align-items: center;
  gap: 10px;
}
.panel-list li::before {
  content: '·';
  font-size: 20px;
  color: rgba(255,255,255,.45);
  flex-shrink: 0;
  line-height: 1;
}
.panel-content { display: none; }
.panel-content.active { display: block; animation: fadeIn .25s ease; }
@keyframes fadeIn {
  from { opacity: 0; transform: translateY(8px); }
  to   { opacity: 1; transform: translateY(0); }
}

@media (max-width: 900px) {
  #payments { padding: 40px 24px; border-radius: 0; }
  .payments-hero-image { display: none; }
  .payments-layout { grid-template-columns: 1fr; }

  #lending {
    overflow: visible;
  }

  #lending .wrap {
    position: relative;
    display: flex;
    flex-direction: column;
  }

  #lending .lending-image {
    display: block;
    width: min(76vw, 280px);
    margin: 16px auto -74px;
    position: relative;
    z-index: 1;
    order: 2;
    align-self: center;
    transform: translateX(50px);
  }

  #lending .cat-header {
    position: relative;
    z-index: 2;
    order: 1;
  }

  #lending .grid-2 {
    position: relative;
    z-index: 3;
    order: 3;
  }

  #lending .svc-card:first-child {
    margin-top: 0;
  }

  .support-header-row {
    gap: 10px;
  }

  #support .support-image {
    width: min(20vw, 100px);
    margin-left: 0;
    margin-top: -28px;
    margin-bottom: -88px;
    transform: translateX(18px);
  }

  #data {
    overflow: visible;
  }

  #data .wrap {
    position: relative;
    display: flex;
    flex-direction: column;
  }

  #data .data-image {
    position: relative;
    width: min(20vw, 120px);
    margin: 0 20px -90px auto;
    top: 0;
    transform: translateY(-65px);
    align-self: flex-end;
    order: 2;
    z-index: 1;
  }

  #data .cat-header {
    position: relative;
    z-index: 2;
    order: 1;
  }

  #data .grid-2 {
    position: relative;
    z-index: 3;
    order: 3;
  }
}

/* ══════════════════════════════════════════
   CLOSING CTA
══════════════════════════════════════════ */
.closing {
  background: linear-gradient(140deg, var(--navy) 0%, var(--navy-2) 100%);
  position: relative; overflow: hidden;
}
.closing::before {
  content: ''; position: absolute; inset: 0;
  background: radial-gradient(ellipse 55% 80% at 50% 50%, rgba(161,30,92,.24) 0%, transparent 65%);
  pointer-events: none;
}
.closing__dots {
  position: absolute; inset: 0; pointer-events: none;
  background-image: radial-gradient(circle, rgba(255,255,255,.035) 1px, transparent 1px);
  background-size: 28px 28px;
}
.closing__inner {
  max-width: 1140px; margin: 0 auto;
  padding: 80px 48px 96px;
  text-align: center;
  position: relative; z-index: 1;
}
.closing__inner h2 {
  font-size: clamp(28px, 3.5vw, 46px); font-weight: 800;
  color: #fff; margin: 0 0 18px; letter-spacing: -.04em; line-height: 1.15;
}
.closing__inner > p {
  font-size: 16px; color: rgba(255,255,255,.6);
  line-height: 1.7; max-width: 540px; margin: 0 auto 36px;
}
.closing__actions { display: flex; gap: 12px; justify-content: center; flex-wrap: wrap; }
@media (max-width: 768px) { .closing__inner { padding: 56px 24px 72px; } }

/* ══════════════════════════════════════════
   CUSTOMER CONTACT CENTER SECTION
══════════════════════════════════════════ */
#support .cat-icon { display: none; }
.support-header-row {
  display: flex;
  align-items: flex-start;
  gap: 16px;
  margin-bottom: 0;
}
.support-image {
  width: 280px;
  flex-shrink: 0;
  height: auto;
  margin-left: -140px;
  margin-top: -60px;
  margin-bottom: -140px;
  position: relative;
  z-index: 2;
}
#support .cat-header {
  flex: 1;
  margin-bottom: 40px;
  padding-top: 8px;
}
#support .grid-2 { position: relative; z-index: 1; }
#support .svc-card .tag {
  background: none;
  border: none;
  padding: 0;
  font-size: 13px;
  font-weight: 600;
  color: #BA535F;
  text-transform: uppercase;
  letter-spacing: .06em;
  border-radius: 0;
  margin-bottom: 14px;
}
#support .svc-list li::before {
  background-color: rgba(229, 102, 117, 0.15);
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 10 10'%3E%3Cpolyline points='2,5 4,7 8,3' fill='none' stroke='%23BA535F' stroke-width='1.5' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
}

/* ══════════════════════════════════════════
   DATA & INSIGHTS SECTION
══════════════════════════════════════════ */
#data { overflow: hidden; }
#data .wrap { position: relative; }
#data .cat-header, #data .grid-2 { position: relative; z-index: 1; }
.data-image {
  position: absolute;
  top: -80px;
  right: -20px;
  width: 220px;
  height: auto;
  pointer-events: none;
  z-index: 2;
}
#data .cat-icon { display: none; }
#data .svc-card .tag {
  background: none;
  border: none;
  padding: 0;
  font-size: 13px;
  font-weight: 600;
  color: #BA535F;
  text-transform: uppercase;
  letter-spacing: .06em;
  border-radius: 0;
  margin-bottom: 14px;
}
#data .svc-list li::before {
  background-color: rgba(229, 102, 117, 0.15);
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 10 10'%3E%3Cpolyline points='2,5 4,7 8,3' fill='none' stroke='%23BA535F' stroke-width='1.5' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
}