/* ==========================================================================
   American Fintech — Premium Landing Page
   Design system: Inter only · Navy/teal fintech aesthetic
   ========================================================================== */

:root {
  /* Colors */
  --bg-dark: #071326;
  --bg-dark-secondary: #0B1F3A;
  --bg-light: #F5F7FA;
  --white: #FFFFFF;
  --text-muted: #7B8494;
  --text-dark: #0B1F3A;
  --text-body: #5A6474;
  --border-light: rgba(255, 255, 255, 0.08);
  --border-dark: rgba(11, 31, 58, 0.08);

  /* Accent */
  --accent-start: #11C5A3;
  --accent-end: #20E3C2;
  --accent-gradient: linear-gradient(135deg, var(--accent-start), var(--accent-end));
  --accent-glow: rgba(17, 197, 163, 0.45);
  --accent-soft: rgba(17, 197, 163, 0.12);

  /* Typography */
  --font: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;

  /* Radius */
  --radius-card: 20px;
  --radius-btn: 14px;
  --radius-input: 16px;
  --radius-full: 9999px;

  /* Shadows */
  --shadow-sm: 0 2px 8px rgba(7, 19, 38, 0.06);
  --shadow-md: 0 8px 24px rgba(7, 19, 38, 0.08);
  --shadow-lg: 0 20px 48px rgba(7, 19, 38, 0.12);
  --shadow-xl: 0 32px 64px rgba(7, 19, 38, 0.18);
  --shadow-glow: 0 0 60px var(--accent-glow);
  --shadow-phone: 0 40px 80px rgba(0, 0, 0, 0.45), 0 0 0 1px rgba(255, 255, 255, 0.06);

  /* Spacing */
  --section-y: clamp(80px, 10vw, 120px);
  --container: min(1200px, 100% - 48px);

  /* Transitions */
  --ease: cubic-bezier(0.4, 0, 0.2, 1);
  --transition: 0.35s var(--ease);
}

/* Reset */
*, *::before, *::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

html {
  scroll-behavior: smooth;
}

body {
  font-family: var(--font);
  font-size: 16px;
  line-height: 1.6;
  color: var(--text-body);
  background: var(--bg-light);
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}

body.nav-menu-open {
  overflow: hidden;
  position: fixed;
  width: 100%;
}

img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
ul { list-style: none; }
button { font-family: inherit; cursor: pointer; border: none; background: none; }

.container {
  width: var(--container);
  margin-inline: auto;
}

/* ==========================================================================
   Buttons
   ========================================================================== */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  padding: 14px 28px;
  font-size: 15px;
  font-weight: 600;
  border-radius: var(--radius-btn);
  transition: transform var(--transition), box-shadow var(--transition), background var(--transition), border-color var(--transition), color var(--transition);
  white-space: nowrap;
}

.btn--primary {
  background: var(--accent-gradient);
  color: var(--bg-dark);
  box-shadow: 0 4px 20px rgba(17, 197, 163, 0.35);
}

.btn--primary:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 32px rgba(17, 197, 163, 0.5);
}

.btn--outline {
  background: transparent;
  color: var(--white);
  border: 1.5px solid rgba(255, 255, 255, 0.35);
}

.btn--outline:hover {
  background: rgba(255, 255, 255, 0.08);
  border-color: rgba(255, 255, 255, 0.6);
  transform: translateY(-2px);
}

.btn--outline-dark {
  color: var(--text-dark);
  border-color: rgba(11, 31, 58, 0.2);
}

.btn--outline-dark:hover {
  border-color: var(--accent-start);
  color: var(--accent-start);
  background: var(--accent-soft);
}

.btn--lg {
  padding: 16px 32px;
  font-size: 16px;
}

.btn--white {
  background: var(--white);
  color: var(--bg-dark);
  box-shadow: var(--shadow-md);
}

.btn--white:hover {
  transform: translateY(-2px);
  box-shadow: var(--shadow-lg);
}

/* ==========================================================================
   Section headers
   ========================================================================== */
.section-header {
  text-align: center;
  max-width: 640px;
  margin: 0 auto 56px;
}

.section-header h2 {
  font-size: clamp(2rem, 4vw, 2.75rem);
  font-weight: 800;
  color: var(--text-dark);
  letter-spacing: -0.03em;
  line-height: 1.15;
  margin-bottom: 16px;
}

.section-header p {
  font-size: 1.125rem;
  color: var(--text-muted);
}

.section-header--light h2 { color: var(--white); }
.section-header--light p { color: rgba(255, 255, 255, 0.65); }

/* Scroll reveal */
.reveal {
  opacity: 0;
  transform: translateY(32px);
  transition: opacity 0.8s var(--ease), transform 0.8s var(--ease);
}

.reveal.visible {
  opacity: 1;
  transform: translateY(0);
}

.features__grid .reveal:nth-child(2) { transition-delay: 0.08s; }
.features__grid .reveal:nth-child(3) { transition-delay: 0.16s; }
.features__grid .reveal:nth-child(4) { transition-delay: 0.08s; }
.features__grid .reveal:nth-child(5) { transition-delay: 0.16s; }
.features__grid .reveal:nth-child(6) { transition-delay: 0.24s; }

.testimonials__grid .reveal:nth-child(2) { transition-delay: 0.1s; }
.testimonials__grid .reveal:nth-child(3) { transition-delay: 0.2s; }

.contact__grid .reveal:nth-child(2) { transition-delay: 0.1s; }
.contact__grid .reveal:nth-child(3) { transition-delay: 0.2s; }

/* ==========================================================================
   Navbar
   ========================================================================== */
.navbar {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  padding: 20px 0;
  transition: padding var(--transition), background var(--transition), box-shadow var(--transition), backdrop-filter var(--transition);
}

.navbar.scrolled {
  padding: 14px 0;
  background: rgba(7, 19, 38, 0.92);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  box-shadow: 0 4px 24px rgba(0, 0, 0, 0.2);
  border-bottom: 1px solid var(--border-light);
}

.navbar__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}

.logo {
  display: flex;
  align-items: center;
  gap: 12px;
  font-weight: 700;
  font-size: 1.125rem;
  color: var(--white);
  letter-spacing: -0.02em;
}

.logo__icon {
  width: 40px;
  height: 40px;
  border-radius: 12px;
  background: var(--accent-gradient);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--bg-dark);
  font-size: 18px;
  box-shadow: 0 4px 16px var(--accent-glow);
}

.logo__text {
  display: flex;
  flex-direction: column;
  line-height: 1.15;
  font-size: 1.05rem;
}

.logo__text em {
  font-style: normal;
  font-weight: 500;
  color: var(--accent-end);
  font-size: 0.7rem;
  letter-spacing: 0.1em;
  text-transform: uppercase;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 36px;
}

.nav-links a {
  color: rgba(255, 255, 255, 0.75);
  font-size: 14px;
  font-weight: 500;
  transition: color var(--transition);
}

.nav-links a:hover { color: var(--white); }

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

.nav-toggle {
  display: none;
  width: 44px;
  height: 44px;
  border-radius: var(--radius-btn);
  border: 1px solid var(--border-light);
  color: var(--white);
  font-size: 20px;
  align-items: center;
  justify-content: center;
}

.mobile-menu {
  display: none;
  position: fixed;
  inset: 0;
  top: 0;
  padding: calc(76px + env(safe-area-inset-top, 0px)) 20px 24px;
  padding-bottom: calc(24px + env(safe-area-inset-bottom, 0px));
  background: rgba(7, 19, 38, 0.98);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  flex-direction: column;
  gap: 8px;
  z-index: 999;
  transform: translateX(100%);
  transition: transform 0.4s var(--ease), visibility 0.4s var(--ease);
  overflow-y: auto;
  -webkit-overflow-scrolling: touch;
  visibility: hidden;
  pointer-events: none;
}

.mobile-menu.open {
  transform: translateX(0);
  visibility: visible;
  pointer-events: auto;
}

.mobile-menu a {
  color: var(--white);
  font-size: 18px;
  font-weight: 600;
  padding: 16px;
  border-radius: var(--radius-input);
  border: 1px solid var(--border-light);
}

.mobile-menu .btn { width: 100%; margin-top: 16px; justify-content: center; }

/* ==========================================================================
   Hero
   ========================================================================== */
.hero {
  position: relative;
  min-height: 100vh;
  min-height: 100dvh;
  display: flex;
  align-items: center;
  padding: 140px 0 100px;
  background: var(--bg-dark);
  overflow: hidden;
}

.hero__bg {
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse 70% 60% at 75% 40%, rgba(17, 197, 163, 0.18), transparent 55%),
    radial-gradient(ellipse 50% 40% at 20% 80%, rgba(32, 227, 194, 0.08), transparent 50%),
    linear-gradient(165deg, var(--bg-dark) 0%, var(--bg-dark-secondary) 50%, #0a2847 100%);
}

.hero__grid {
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(255, 255, 255, 0.03) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255, 255, 255, 0.03) 1px, transparent 1px);
  background-size: 64px 64px;
  mask-image: radial-gradient(ellipse 80% 70% at 50% 50%, black 20%, transparent 75%);
  -webkit-mask-image: radial-gradient(ellipse 80% 70% at 50% 50%, black 20%, transparent 75%);
}

.hero__orb {
  position: absolute;
  border-radius: 50%;
  filter: blur(80px);
  pointer-events: none;
}

.hero__orb--1 {
  width: 400px;
  height: 400px;
  background: rgba(17, 197, 163, 0.25);
  top: 10%;
  right: 15%;
  animation: pulse-orb 8s ease-in-out infinite;
}

.hero__orb--2 {
  width: 280px;
  height: 280px;
  background: rgba(32, 227, 194, 0.15);
  bottom: 20%;
  left: 5%;
  animation: pulse-orb 10s ease-in-out infinite reverse;
}

@keyframes pulse-orb {
  0%, 100% { transform: scale(1); opacity: 0.8; }
  50% { transform: scale(1.15); opacity: 1; }
}

.hero__inner {
  position: relative;
  z-index: 2;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: center;
}

.hero__content { max-width: 560px; }

.hero__badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 8px 16px;
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-full);
  color: var(--accent-end);
  font-size: 13px;
  font-weight: 600;
  margin-bottom: 28px;
}

.hero__badge i { font-size: 12px; }

.hero h1 {
  font-size: clamp(2.75rem, 5.5vw, 4.25rem);
  font-weight: 800;
  line-height: 1.05;
  letter-spacing: -0.04em;
  color: var(--white);
  margin-bottom: 24px;
}

.hero h1 span {
  background: var(--accent-gradient);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.hero__desc {
  font-size: 1.125rem;
  color: rgba(255, 255, 255, 0.7);
  line-height: 1.7;
  margin-bottom: 40px;
  max-width: 480px;
}

.hero__ctas {
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
}

/* Hero visual — phone + card */
.hero__visual {
  position: relative;
  display: flex;
  justify-content: center;
  align-items: center;
  min-height: 520px;
}

.hero__glow {
  position: absolute;
  width: 320px;
  height: 320px;
  background: radial-gradient(circle, var(--accent-glow), transparent 70%);
  border-radius: 50%;
  filter: blur(40px);
  animation: pulse-orb 6s ease-in-out infinite;
}

.phone {
  position: relative;
  width: 280px;
  background: linear-gradient(145deg, #1a2d4a, #0d1a2e);
  border-radius: 40px;
  padding: 12px;
  box-shadow: var(--shadow-phone);
  border: 1px solid rgba(255, 255, 255, 0.1);
  animation: float 6s ease-in-out infinite;
  z-index: 2;
}

@keyframes float {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-16px); }
}

.phone__notch {
  width: 100px;
  height: 28px;
  background: #0a1525;
  border-radius: 0 0 16px 16px;
  margin: 0 auto 8px;
}

.phone__screen {
  background: linear-gradient(180deg, #0f2038 0%, #071326 100%);
  border-radius: 28px;
  padding: 20px 16px;
  min-height: 420px;
  border: 1px solid rgba(255, 255, 255, 0.06);
}

.phone__header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 24px;
  color: rgba(255, 255, 255, 0.6);
  font-size: 12px;
}

.phone__greeting {
  color: var(--white);
  font-size: 14px;
  font-weight: 600;
}

.phone__balance-label {
  font-size: 11px;
  color: rgba(255, 255, 255, 0.5);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin-bottom: 4px;
}

.phone__balance {
  font-size: 28px;
  font-weight: 800;
  color: var(--white);
  letter-spacing: -0.02em;
  margin-bottom: 20px;
}

.phone__balance span { color: var(--accent-end); }

.phone__actions {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 8px;
  margin-bottom: 24px;
}

.phone__action {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 6px;
  font-size: 10px;
  color: rgba(255, 255, 255, 0.65);
}

.phone__action-icon {
  width: 40px;
  height: 40px;
  border-radius: 12px;
  background: rgba(255, 255, 255, 0.08);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--accent-end);
  font-size: 14px;
}

.phone__tx-title {
  font-size: 12px;
  font-weight: 600;
  color: rgba(255, 255, 255, 0.8);
  margin-bottom: 12px;
}

.phone__tx {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 10px 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.06);
}

.phone__tx:last-child { border-bottom: none; }

.phone__tx-icon {
  width: 36px;
  height: 36px;
  border-radius: 10px;
  background: var(--accent-soft);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--accent-start);
  font-size: 14px;
}

.phone__tx-info { flex: 1; }
.phone__tx-name { font-size: 12px; font-weight: 600; color: var(--white); }
.phone__tx-date { font-size: 10px; color: rgba(255, 255, 255, 0.45); }
.phone__tx-amount { font-size: 12px; font-weight: 700; color: var(--accent-end); }
.phone__tx-amount--neg { color: rgba(255, 255, 255, 0.7); }

.debit-card {
  position: absolute;
  width: 260px;
  height: 160px;
  right: -20px;
  bottom: 60px;
  background: linear-gradient(135deg, #0B1F3A 0%, #11C5A3 120%);
  border-radius: 18px;
  padding: 20px;
  color: var(--white);
  box-shadow: 0 24px 48px rgba(0, 0, 0, 0.4), 0 0 40px rgba(17, 197, 163, 0.2);
  border: 1px solid rgba(255, 255, 255, 0.15);
  animation: float-card 7s ease-in-out infinite;
  animation-delay: -1s;
  z-index: 3;
  transform: rotate(-8deg);
}

@keyframes float-card {
  0%, 100% { transform: rotate(-8deg) translateY(0); }
  50% { transform: rotate(-6deg) translateY(-12px); }
}

.debit-card__chip {
  width: 40px;
  height: 30px;
  background: linear-gradient(135deg, #d4af37, #f5e6a3);
  border-radius: 6px;
  margin-bottom: 24px;
}

.debit-card__number {
  font-size: 15px;
  font-weight: 600;
  letter-spacing: 0.15em;
  margin-bottom: 16px;
  font-variant-numeric: tabular-nums;
}

.debit-card__footer {
  display: flex;
  justify-content: space-between;
  font-size: 10px;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  opacity: 0.85;
}

.debit-card__name { font-weight: 700; font-size: 11px; }

/* ==========================================================================
   Features
   ========================================================================== */
.features {
  padding: var(--section-y) 0;
  background: var(--bg-light);
}

.features__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}

.feature-card {
  background: var(--white);
  border-radius: var(--radius-card);
  padding: 36px 32px;
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--border-dark);
  transition: transform var(--transition), box-shadow var(--transition), border-color var(--transition);
  height: 100%;
}

.feature-card:hover {
  transform: translateY(-8px);
  box-shadow: var(--shadow-lg);
  border-color: rgba(17, 197, 163, 0.25);
}

.feature-card__icon {
  width: 56px;
  height: 56px;
  border-radius: 16px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 22px;
  margin-bottom: 24px;
}

.feature-card__icon--teal {
  background: rgba(17, 197, 163, 0.12);
  color: #0d9b82;
}

.feature-card__icon--blue {
  background: rgba(59, 130, 246, 0.12);
  color: #2563eb;
}

.feature-card__icon--purple {
  background: rgba(139, 92, 246, 0.12);
  color: #7c3aed;
}

.feature-card h3 {
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--text-dark);
  margin-bottom: 12px;
  letter-spacing: -0.02em;
}

.feature-card p {
  font-size: 15px;
  color: var(--text-muted);
  line-height: 1.65;
}

/* ==========================================================================
   Stats
   ========================================================================== */
.stats {
  background: var(--bg-dark-secondary);
  padding: 72px 0;
  border-top: 1px solid var(--border-light);
  border-bottom: 1px solid var(--border-light);
}

.stats__grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
}

.stat-item {
  text-align: center;
  padding: 24px 32px;
  position: relative;
}

.stat-item:not(:last-child)::after {
  content: '';
  position: absolute;
  right: 0;
  top: 50%;
  transform: translateY(-50%);
  width: 1px;
  height: 48px;
  background: var(--border-light);
}

.stat-item__value {
  font-size: clamp(2rem, 4vw, 2.75rem);
  font-weight: 800;
  color: var(--white);
  letter-spacing: -0.03em;
  margin-bottom: 8px;
  text-shadow: 0 0 40px var(--accent-glow);
}

.stat-item__value--accent {
  background: var(--accent-gradient);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.stat-item__label {
  font-size: 15px;
  color: rgba(255, 255, 255, 0.6);
  font-weight: 500;
}

/* ==========================================================================
   Banking Reimagined
   ========================================================================== */
.reimagined {
  padding: var(--section-y) 0;
  background: var(--white);
}

.reimagined__grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
}

.reimagined__visual {
  position: relative;
  min-height: 440px;
  display: flex;
  align-items: center;
  justify-content: center;
}

.reimagined__canvas {
  position: relative;
  width: 100%;
  max-width: 480px;
  aspect-ratio: 1;
  background: linear-gradient(145deg, var(--bg-light) 0%, #e8ecf4 100%);
  border-radius: 32px;
  border: 1px solid var(--border-dark);
  box-shadow: var(--shadow-xl);
  overflow: hidden;
}

.reimagined__canvas::before {
  content: '';
  position: absolute;
  inset: 0;
  background:
    radial-gradient(circle at 30% 30%, rgba(17, 197, 163, 0.2), transparent 50%),
    radial-gradient(circle at 70% 70%, rgba(32, 227, 194, 0.15), transparent 45%);
}

.float-ui {
  position: absolute;
  background: var(--white);
  border-radius: var(--radius-card);
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--border-dark);
  animation: float 5s ease-in-out infinite;
}

.float-ui--chart {
  top: 12%;
  left: 8%;
  width: 140px;
  padding: 16px;
  animation-delay: 0s;
}

.float-ui--wallet {
  bottom: 18%;
  right: 6%;
  width: 120px;
  padding: 14px;
  animation-delay: -2s;
}

.float-ui--shield {
  top: 45%;
  right: 12%;
  width: 64px;
  height: 64px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 28px;
  color: var(--accent-start);
  animation-delay: -1s;
}

.chart-bars {
  display: flex;
  align-items: flex-end;
  gap: 6px;
  height: 60px;
  margin-top: 8px;
}

.chart-bars span {
  flex: 1;
  background: var(--accent-gradient);
  border-radius: 4px 4px 0 0;
  min-height: 12px;
}

.chart-bars span:nth-child(1) { height: 35%; }
.chart-bars span:nth-child(2) { height: 65%; }
.chart-bars span:nth-child(3) { height: 45%; }
.chart-bars span:nth-child(4) { height: 90%; }
.chart-bars span:nth-child(5) { height: 55%; }

.float-ui__label {
  font-size: 11px;
  font-weight: 700;
  color: var(--text-dark);
  text-transform: uppercase;
  letter-spacing: 0.06em;
}

.float-ui__value {
  font-size: 20px;
  font-weight: 800;
  color: var(--text-dark);
  margin-top: 4px;
}

.reimagined__center-icon {
  position: absolute;
  top: 50%;
  left: 50%;
  transform: translate(-50%, -50%);
  width: 120px;
  height: 120px;
  background: var(--accent-gradient);
  border-radius: 28px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 48px;
  color: var(--bg-dark);
  box-shadow: var(--shadow-glow);
}

.reimagined__content h2 {
  font-size: clamp(2rem, 4vw, 2.75rem);
  font-weight: 800;
  color: var(--text-dark);
  letter-spacing: -0.03em;
  line-height: 1.15;
  margin-bottom: 24px;
}

.reimagined__content p {
  font-size: 1.0625rem;
  color: var(--text-muted);
  line-height: 1.75;
  margin-bottom: 20px;
}

.reimagined__ctas {
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
  margin-top: 36px;
}

/* ==========================================================================
   Testimonials
   ========================================================================== */
.testimonials {
  padding: var(--section-y) 0;
  background: var(--bg-light);
}

.testimonials__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}

.testimonial-card {
  background: rgba(255, 255, 255, 0.85);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border: 1px solid rgba(255, 255, 255, 0.9);
  border-radius: var(--radius-card);
  padding: 36px 32px;
  box-shadow: var(--shadow-md);
  display: flex;
  flex-direction: column;
  height: 100%;
  transition: transform var(--transition), box-shadow var(--transition);
}

.testimonial-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-xl);
}

.testimonial-card__stars {
  color: #f59e0b;
  font-size: 14px;
  margin-bottom: 20px;
  letter-spacing: 2px;
}

.testimonial-card__quote {
  font-size: 1.0625rem;
  color: var(--text-body);
  line-height: 1.7;
  flex: 1;
  margin-bottom: 28px;
  font-style: italic;
}

.testimonial-card__author {
  display: flex;
  align-items: center;
  gap: 14px;
}

.testimonial-card__avatar {
  width: 48px;
  height: 48px;
  border-radius: var(--radius-full);
  background: var(--accent-soft);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--accent-start);
  font-size: 18px;
  font-weight: 700;
}

.testimonial-card__name {
  font-weight: 700;
  color: var(--text-dark);
  font-size: 15px;
}

.testimonial-card__meta {
  font-size: 13px;
  color: var(--text-muted);
}

/* ==========================================================================
   CTA Banner
   ========================================================================== */
.cta-banner {
  position: relative;
  padding: 100px 0;
  overflow: hidden;
}

.cta-banner__bg {
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse 80% 100% at 50% 100%, rgba(17, 197, 163, 0.35), transparent 60%),
    linear-gradient(165deg, var(--bg-dark) 0%, var(--bg-dark-secondary) 100%);
}

.cta-banner__glow {
  position: absolute;
  width: 600px;
  height: 300px;
  left: 50%;
  bottom: -100px;
  transform: translateX(-50%);
  background: radial-gradient(ellipse, var(--accent-glow), transparent 70%);
  filter: blur(60px);
}

.cta-banner__inner {
  position: relative;
  z-index: 2;
  text-align: center;
  max-width: 720px;
  margin: 0 auto;
}

.cta-banner h2 {
  font-size: clamp(2rem, 4vw, 2.75rem);
  font-weight: 800;
  color: var(--white);
  letter-spacing: -0.03em;
  margin-bottom: 16px;
}

.cta-banner p {
  font-size: 1.125rem;
  color: rgba(255, 255, 255, 0.7);
  margin-bottom: 40px;
}

.cta-banner__buttons {
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
  justify-content: center;
}

/* ==========================================================================
   Contact
   ========================================================================== */
.contact {
  padding: var(--section-y) 0;
  background: var(--white);
}

.contact__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}

.contact-card {
  background: var(--bg-light);
  border-radius: var(--radius-card);
  padding: 36px 32px;
  border: 1px solid var(--border-dark);
  transition: transform var(--transition), box-shadow var(--transition), border-color var(--transition);
  height: 100%;
  display: flex;
  flex-direction: column;
}

.contact-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-lg);
  border-color: rgba(17, 197, 163, 0.3);
  background: var(--white);
}

.contact-card__icon {
  width: 52px;
  height: 52px;
  border-radius: 14px;
  background: var(--accent-soft);
  color: var(--accent-start);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 20px;
  margin-bottom: 24px;
}

.contact-card h3 {
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--text-dark);
  margin-bottom: 12px;
}

.contact-card p {
  font-size: 15px;
  color: var(--text-muted);
  line-height: 1.6;
}

.contact-card p + p { margin-top: 4px; }

/* ==========================================================================
   Footer
   ========================================================================== */
.footer {
  background: var(--bg-dark);
  padding: 80px 0 32px;
  border-top: 1px solid var(--border-light);
}

.footer__grid {
  display: grid;
  grid-template-columns: 1.4fr repeat(3, 1fr);
  gap: 48px;
  margin-bottom: 56px;
}

.footer__brand p {
  color: var(--text-muted);
  font-size: 15px;
  line-height: 1.7;
  margin: 20px 0 24px;
  max-width: 280px;
}

.footer__social {
  display: flex;
  gap: 12px;
}

.footer__social a {
  width: 40px;
  height: 40px;
  border-radius: 10px;
  border: 1px solid var(--border-light);
  display: flex;
  align-items: center;
  justify-content: center;
  color: rgba(255, 255, 255, 0.7);
  font-size: 16px;
  transition: all var(--transition);
}

.footer__social a:hover {
  background: var(--accent-soft);
  border-color: var(--accent-start);
  color: var(--accent-end);
}

.footer h4 {
  font-size: 14px;
  font-weight: 700;
  color: var(--white);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin-bottom: 20px;
}

.footer ul li { margin-bottom: 12px; }

.footer ul a {
  color: var(--text-muted);
  font-size: 15px;
  transition: color var(--transition);
}

.footer ul a:hover { color: var(--accent-end); }

.footer__bottom {
  padding-top: 32px;
  border-top: 1px solid var(--border-light);
  text-align: center;
}

.footer__bottom p {
  font-size: 14px;
  color: var(--text-muted);
}

/* Toast */
.toast {
  position: fixed;
  top: 100px;
  right: 24px;
  background: var(--bg-dark-secondary);
  color: var(--white);
  padding: 16px 24px;
  border-radius: var(--radius-input);
  box-shadow: var(--shadow-xl);
  border: 1px solid var(--border-light);
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: 14px;
  font-weight: 500;
  z-index: 2000;
  transform: translateX(calc(100% + 40px));
  transition: transform 0.4s var(--ease);
}

.toast.show { transform: translateX(0); }
.toast i { color: var(--accent-end); }

/* ==========================================================================
   Responsive
   ========================================================================== */
@media (max-width: 1024px) {
  .hero__inner {
    grid-template-columns: 1fr;
    text-align: center;
    gap: 40px;
  }

  .hero__content { max-width: 100%; margin: 0 auto; }
  .hero__desc { margin-inline: auto; max-width: 100%; }
  .hero__ctas { justify-content: center; }
  .hero__visual {
    flex-direction: column;
    min-height: auto;
    margin-top: 40px;
    width: 100%;
    max-width: 360px;
    margin-inline: auto;
    padding-inline: 8px;
  }

  .debit-card {
    position: relative;
    right: auto;
    bottom: auto;
    margin: -32px auto 0;
    transform: none;
    animation: none;
    width: min(240px, 88%);
  }

  .features__grid { grid-template-columns: repeat(2, 1fr); }
  .reimagined__grid { grid-template-columns: 1fr; gap: 48px; }
  .reimagined__visual { order: -1; min-height: 320px; }
  .testimonials__grid { grid-template-columns: 1fr; max-width: 520px; margin-inline: auto; }
  .contact__grid { grid-template-columns: 1fr; max-width: 400px; margin-inline: auto; }
  .footer__grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 768px) {
  :root {
    --container: min(1200px, 100% - 32px);
    --section-y: clamp(56px, 14vw, 88px);
  }

  .navbar {
    padding: 12px 0;
    padding-top: calc(12px + env(safe-area-inset-top, 0px));
  }

  .navbar.scrolled { padding: 10px 0; padding-top: calc(10px + env(safe-area-inset-top, 0px)); }

  .navbar__inner { gap: 12px; }

  .logo { gap: 10px; min-width: 0; }
  .logo__icon { width: 36px; height: 36px; font-size: 16px; flex-shrink: 0; }
  .logo__text { font-size: 0.95rem; }

  .nav-links,
  .nav-actions { display: none; }

  .nav-toggle {
    display: flex;
    flex-shrink: 0;
  }

  .mobile-menu { display: flex; }

  .hero {
    min-height: auto;
    padding: calc(88px + env(safe-area-inset-top, 0px)) 0 64px;
    overflow: hidden;
  }

  .hero__orb--1 {
    width: 240px;
    height: 240px;
    right: -10%;
  }

  .hero__orb--2 {
    width: 160px;
    height: 160px;
  }

  .hero h1 {
    font-size: clamp(2rem, 7.5vw, 2.75rem);
    margin-bottom: 20px;
  }

  .hero__badge {
    font-size: 12px;
    padding: 7px 14px;
    margin-bottom: 20px;
    max-width: 100%;
    text-align: center;
    line-height: 1.4;
  }

  .hero__desc {
    font-size: 1rem;
    margin-bottom: 28px;
  }

  .hero__ctas {
    flex-direction: column;
    align-items: stretch;
    width: 100%;
    max-width: 360px;
    margin-inline: auto;
  }

  .hero__ctas .btn {
    width: 100%;
    white-space: normal;
    text-align: center;
    padding: 14px 20px;
  }

  .hero__visual {
    flex-direction: column;
    align-items: center;
    gap: 0;
    max-width: min(100%, 300px);
    margin-top: 32px;
    overflow: visible;
  }

  .hero__glow {
    width: 240px;
    height: 240px;
  }

  .phone {
    width: min(260px, 100%);
    max-width: 100%;
    animation: float 6s ease-in-out infinite;
  }

  .phone__screen { min-height: 340px; padding: 16px 14px; }

  .phone__balance { font-size: 24px; }

  .phone__action-icon {
    width: 36px;
    height: 36px;
    font-size: 12px;
  }

  .debit-card {
    position: relative;
    right: auto;
    bottom: auto;
    width: min(240px, 92%);
    height: auto;
    min-height: 140px;
    margin: -32px auto 0;
    transform: none;
    animation: none;
    z-index: 3;
  }

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

  .section-header p { font-size: 1rem; }

  .feature-card,
  .testimonial-card,
  .contact-card {
    padding: 28px 24px;
  }

  .stats { padding: 56px 0; }

  .stats__grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 16px;
  }

  .stat-item {
    padding: 20px 16px;
  }

  .stat-item:nth-child(2)::after { display: none; }
  .stat-item::after { display: none; }

  .features__grid { grid-template-columns: 1fr; }

  .reimagined__grid { gap: 40px; }

  .reimagined__visual {
    min-height: auto;
    padding-inline: 0;
  }

  .reimagined__canvas {
    max-width: min(100%, 340px);
    margin-inline: auto;
  }

  .reimagined__content { text-align: center; }

  .reimagined__ctas {
    justify-content: center;
    flex-direction: column;
    align-items: stretch;
  }

  .reimagined__ctas .btn {
    width: 100%;
    white-space: normal;
  }

  .cta-banner {
    padding: 72px 0;
  }

  .cta-banner__buttons {
    flex-direction: column;
    align-items: stretch;
    width: 100%;
    max-width: 360px;
    margin-inline: auto;
  }

  .cta-banner__buttons .btn {
    width: 100%;
    white-space: normal;
  }

  .footer { padding: 56px 0 28px; }
  .footer__grid { grid-template-columns: 1fr; gap: 32px; }

  .toast {
    left: 16px;
    right: 16px;
    top: auto;
    bottom: calc(20px + env(safe-area-inset-bottom, 0px));
    transform: translateY(calc(100% + 48px));
  }

  .toast.show { transform: translateY(0); }
}

@media (max-width: 480px) {
  :root {
    --container: min(1200px, 100% - 24px);
    --section-y: clamp(48px, 12vw, 72px);
  }

  .hero {
    padding-top: calc(80px + env(safe-area-inset-top, 0px));
    padding-bottom: 48px;
  }

  .hero h1 {
    font-size: clamp(1.75rem, 8.2vw, 2.25rem);
    letter-spacing: -0.03em;
  }

  .hero__badge {
    font-size: 11px;
    padding: 6px 12px;
  }

  .hero__badge i { display: none; }

  .btn--lg {
    padding: 14px 20px;
    font-size: 15px;
  }

  .hero__visual {
    max-width: 100%;
    padding-inline: 0;
  }

  .phone {
    width: min(240px, calc(100vw - 48px));
    border-radius: 32px;
    padding: 10px;
  }

  .phone__screen {
    min-height: 300px;
    border-radius: 24px;
  }

  .phone__tx-amount {
    font-size: 11px;
    flex-shrink: 0;
  }

  .debit-card {
    width: min(220px, calc(100vw - 56px));
    margin-top: -24px;
    padding: 16px;
  }

  .debit-card__number { font-size: 13px; }

  .stats__grid { grid-template-columns: 1fr 1fr; gap: 12px; }

  .stat-item__value { font-size: 1.75rem; }
  .stat-item__label { font-size: 13px; }

  .float-ui--chart { width: 120px; padding: 12px; }
  .float-ui--wallet { width: 100px; padding: 12px; }
  .float-ui--shield { width: 52px; height: 52px; font-size: 22px; }

  .reimagined__center-icon {
    width: 88px;
    height: 88px;
    font-size: 36px;
  }

  .footer__brand p { max-width: 100%; }
}

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
  }
  .reveal { opacity: 1; transform: none; }
}