:root {
  --accent: #0167EB;
  --accent-dark: #0148A8;
  --text: #0a0a0a;
  --muted: #6B7280;
  --bg: #ffffff;
  --bg-soft: #F7F9FC;
  --border: #E5E7EB;
  --success: #10B981;
  --shadow: 0 10px 40px rgba(1, 103, 235, 0.10);
  --radius: 16px;
}

* { box-sizing: border-box; }

html, body {
  margin: 0;
  padding: 0;
  font-family: -apple-system, BlinkMacSystemFont, "SF Pro Display", "SF Pro Text", "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  color: var(--text);
  background: var(--bg);
  -webkit-font-smoothing: antialiased;
  line-height: 1.5;
}

a { color: var(--accent); text-decoration: none; }
a:hover { text-decoration: underline; }

.nav-wrap {
  background: var(--accent);
}
.nav {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 20px 32px;
  max-width: 1180px;
  margin: 0 auto;
}

.brand {
  display: flex;
  align-items: center;
  gap: 10px;
  font-weight: 700;
  font-size: 18px;
  color: white;
}
.brand:hover { text-decoration: none; }

.nav-links {
  display: flex;
  gap: 28px;
}
.nav-links a {
  color: rgba(255,255,255,0.9);
  font-weight: 500;
  font-size: 15px;
}
.nav-links a:hover { color: white; }

/* footer brand stays dark */
footer .brand { color: var(--text); }

main { max-width: 1180px; margin: 0 auto; padding: 0 32px; }

/* HERO */
.hero {
  display: grid;
  grid-template-columns: 1.1fr 1fr;
  gap: 60px;
  align-items: center;
  padding: 80px 0 100px;
}

.hero h1 {
  font-size: 64px;
  line-height: 1.05;
  font-weight: 800;
  letter-spacing: -0.02em;
  margin: 0 0 20px;
}

.lede {
  font-size: 20px;
  color: var(--muted);
  margin: 0 0 32px;
  max-width: 520px;
}

.cta-row { display: flex; gap: 12px; flex-wrap: wrap; }

.btn {
  display: inline-block;
  padding: 16px 28px;
  border-radius: 999px;
  font-weight: 600;
  font-size: 16px;
  transition: transform .15s ease, box-shadow .15s ease;
}
.btn-primary {
  background: var(--accent);
  color: white;
  box-shadow: var(--shadow);
}
.btn-primary:hover {
  text-decoration: none;
  transform: translateY(-1px);
  background: var(--accent-dark);
}

.small-note {
  margin-top: 16px;
  color: var(--muted);
  font-size: 14px;
}

/* HERO ART (card stack) */
.hero-art {
  position: relative;
  height: 460px;
}
.card {
  position: absolute;
  width: 320px;
  background: white;
  border-radius: 22px;
  box-shadow: 0 20px 60px rgba(1, 103, 235, 0.18), 0 4px 12px rgba(0,0,0,0.04);
  border: 1px solid var(--border);
}
.card-back {
  height: 380px;
  top: 40px;
  left: 70px;
  transform: rotate(-6deg);
  background: linear-gradient(135deg, #E8F0FE, #F7F9FC);
}
.card-mid {
  height: 380px;
  top: 30px;
  left: 50px;
  transform: rotate(3deg);
  background: linear-gradient(135deg, #F7F9FC, #fff);
}
.card-front {
  height: 380px;
  top: 20px;
  left: 30px;
  padding: 28px;
  display: flex;
  flex-direction: column;
}
.card-tag {
  display: inline-block;
  align-self: flex-start;
  background: rgba(1, 103, 235, 0.1);
  color: var(--accent);
  padding: 6px 12px;
  border-radius: 999px;
  font-size: 12px;
  font-weight: 600;
  margin-bottom: 16px;
}
.card-front h3 {
  font-size: 24px;
  margin: 0 0 6px;
  font-weight: 700;
}
.provider {
  color: var(--muted);
  margin: 0 0 28px;
  font-size: 14px;
}
.amount {
  font-size: 44px;
  font-weight: 800;
  color: var(--success);
  margin-bottom: 4px;
}
.deadline {
  color: var(--muted);
  font-size: 14px;
  margin-bottom: auto;
}
.swipe-hint {
  display: flex;
  justify-content: space-between;
  margin-top: 24px;
}
.swipe-hint span {
  width: 56px;
  height: 56px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 24px;
  font-weight: 700;
  border: 2px solid var(--border);
}
.swipe-hint .x { color: #EF4444; }
.swipe-hint .check { color: var(--accent); border-color: var(--accent); }

/* FEATURES */
.features {
  padding: 80px 0;
  border-top: 1px solid var(--border);
}
.features h2, .how h2 {
  font-size: 42px;
  font-weight: 800;
  letter-spacing: -0.02em;
  margin: 0 0 48px;
  text-align: center;
}

.feature-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.feature {
  background: var(--bg-soft);
  border-radius: var(--radius);
  padding: 32px;
  border: 1px solid var(--border);
}
.feature h3 {
  font-size: 20px;
  margin: 12px 0 8px;
  font-weight: 700;
}
.feature p {
  color: var(--muted);
  margin: 0;
  font-size: 15px;
}
.feat-icon {
  width: 48px;
  height: 48px;
  border-radius: 12px;
  background: rgba(1, 103, 235, 0.1);
  color: var(--accent);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 22px;
  font-weight: 700;
}

/* HOW */
.how {
  padding: 80px 0 120px;
  border-top: 1px solid var(--border);
}
.steps {
  max-width: 720px;
  margin: 0 auto;
  padding: 0;
  list-style: none;
  counter-reset: step;
}
.steps li {
  counter-increment: step;
  position: relative;
  padding: 20px 0 20px 72px;
  font-size: 17px;
  color: var(--muted);
  border-bottom: 1px solid var(--border);
}
.steps li:last-child { border-bottom: none; }
.steps li::before {
  content: counter(step);
  position: absolute;
  left: 0;
  top: 18px;
  width: 48px;
  height: 48px;
  background: var(--accent);
  color: white;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 18px;
}
.steps strong { color: var(--text); display: block; margin-bottom: 4px; font-size: 18px; }

/* FOOTER */
footer {
  border-top: 1px solid var(--border);
  padding: 60px 32px 32px;
  background: var(--bg-soft);
}
.foot-cols {
  max-width: 1180px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 2fr 1fr 1fr;
  gap: 40px;
}
.foot-cols h4 {
  font-size: 14px;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--muted);
  margin: 0 0 16px;
}
.foot-cols a {
  display: block;
  color: var(--text);
  font-size: 15px;
  margin-bottom: 10px;
}
.muted { color: var(--muted); margin: 8px 0 0; }
.copyright {
  max-width: 1180px;
  margin: 48px auto 0;
  color: var(--muted);
  font-size: 13px;
  text-align: center;
}

/* LEGAL PAGES */
.legal {
  max-width: 760px;
  margin: 60px auto 100px;
  padding: 0 32px;
}
.legal h1 {
  font-size: 42px;
  font-weight: 800;
  letter-spacing: -0.02em;
  margin: 0 0 8px;
}
.legal .updated {
  color: var(--muted);
  font-size: 14px;
  margin: 0 0 32px;
}
.legal h2 {
  font-size: 22px;
  margin: 36px 0 12px;
  font-weight: 700;
}
.legal p, .legal li {
  color: #333;
  font-size: 16px;
  line-height: 1.65;
}
.legal ul { padding-left: 22px; }
.legal a { color: var(--accent); }

/* RESPONSIVE */
@media (max-width: 880px) {
  .hero { grid-template-columns: 1fr; padding: 40px 0 60px; gap: 40px; }
  .hero h1 { font-size: 44px; }
  .hero-art { height: 440px; }
  .feature-grid { grid-template-columns: 1fr; }
  .features h2, .how h2 { font-size: 32px; }
  .nav-links { display: none; }
  .foot-cols { grid-template-columns: 1fr; gap: 32px; }
}