/* ==========================================================================
   FINOVAY — Design System v2
   Globally capable, regionally expert.
   Production note: self-host Sora + Inter (GDPR + page speed).
   ========================================================================== */

@import url('https://fonts.googleapis.com/css2?family=Inter:wght@400;500;600;700&family=Sora:wght@600;700;800&display=swap');

:root{
  --navy:#071B33;
  --navy-2:#0B2545;
  --navy-3:#12365F;
  --slate-deep:#134074;
  --teal:#12BFCF;
  --teal-2:#0FA3B1;
  --teal-mist:#B5E2E6;
  --amber:#F4A259;
  --amber-deep:#E08A3C;
  --violet:#6C5CE7;

  --ink:#12171E;
  --slate:#5C6B7A;
  --line:#E4E9EF;
  --paper:#F6F9FB;
  --white:#FFFFFF;

  --success:#1F9D68;
  --warning:#C77D25;
  --danger:#A63D40;

  --r:14px;
  --r-sm:9px;
  --r-lg:24px;
  --sh-sm:0 1px 2px rgba(7,27,51,.05),0 4px 16px rgba(7,27,51,.05);
  --sh-md:0 8px 28px rgba(7,27,51,.09);
  --sh-lg:0 24px 64px rgba(7,27,51,.16);
  --glow:0 0 0 1px rgba(18,191,207,.25), 0 8px 32px rgba(18,191,207,.16);
  --max:1220px;
  --ease:cubic-bezier(.4,0,.2,1);
}

*,*::before,*::after{box-sizing:border-box;margin:0;padding:0;}
html{scroll-behavior:smooth;}
body{
  font-family:'Inter',-apple-system,'Segoe UI',Roboto,sans-serif;
  font-size:18px;line-height:1.65;color:var(--ink);background:var(--white);
  -webkit-font-smoothing:antialiased;overflow-x:hidden;
}
h1,h2,h3,h4{font-family:'Sora','Inter',sans-serif;color:var(--navy);letter-spacing:-.03em;line-height:1.12;}
h1{font-size:clamp(2.3rem,5.2vw,4rem);font-weight:800;}
h2{font-size:clamp(1.75rem,3.4vw,2.6rem);font-weight:700;line-height:1.18;}
h3{font-size:1.35rem;font-weight:600;line-height:1.3;letter-spacing:-.02em;}
h4{font-size:1.05rem;font-weight:600;}
p{margin-bottom:1rem;}
a{color:var(--teal-2);text-decoration:none;transition:color .15s var(--ease);}
a:hover{color:var(--slate-deep);}
strong{font-weight:600;color:var(--navy);}
img,svg{max-width:100%;display:block;}
.num{font-variant-numeric:tabular-nums;}
::selection{background:var(--teal);color:#fff;}

/* ---------- Layout ---------- */
.wrap{max-width:var(--max);margin:0 auto;padding:0 24px;}
.narrow{max-width:840px;margin:0 auto;}
section{padding:104px 0;position:relative;}
section.tight{padding:64px 0;}
.bg-paper{background:var(--paper);}
.bg-dark{background:var(--navy);color:rgba(255,255,255,.82);position:relative;overflow:hidden;}
.bg-dark h1,.bg-dark h2,.bg-dark h3,.bg-dark h4{color:#fff;}
.bg-dark strong{color:#fff;}
.center{text-align:center;}
.grid{display:grid;gap:24px;}
.g2{grid-template-columns:repeat(2,1fr);}
.g3{grid-template-columns:repeat(3,1fr);}
.g4{grid-template-columns:repeat(4,1fr);}

/* Aurora mesh — the signature texture. No stock photography, ever. */
.mesh::before{
  content:'';position:absolute;inset:-40% -10%;pointer-events:none;z-index:0;
  background:
    radial-gradient(38% 44% at 18% 22%, rgba(18,191,207,.30), transparent 65%),
    radial-gradient(34% 40% at 82% 18%, rgba(108,92,231,.24), transparent 65%),
    radial-gradient(40% 46% at 68% 82%, rgba(244,162,89,.16), transparent 65%);
  filter:blur(12px);
}
.mesh::after{  /* ledger rules */
  content:'';position:absolute;inset:0;pointer-events:none;z-index:0;opacity:.05;
  background-image:repeating-linear-gradient(0deg,transparent,transparent 43px,#fff 43px,#fff 44px);
}
.mesh > *{position:relative;z-index:1;}

/* ---------- Section heads ---------- */
.eyebrow{
  display:inline-flex;align-items:center;gap:8px;font-size:.74rem;font-weight:700;
  letter-spacing:.14em;text-transform:uppercase;color:var(--teal-2);margin-bottom:16px;
}
.eyebrow::before{content:'';width:22px;height:2px;background:var(--teal);border-radius:2px;}
.bg-dark .eyebrow{color:var(--teal);}
.sec-head{max-width:760px;margin-bottom:52px;}
.sec-head.center{margin-left:auto;margin-right:auto;}
.sec-head p{color:var(--slate);font-size:1.1rem;margin-top:16px;}
.bg-dark .sec-head p{color:rgba(255,255,255,.68);}

/* ---------- Buttons ---------- */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:9px;
  font-size:1rem;font-weight:600;padding:16px 30px;border-radius:var(--r-sm);
  border:2px solid transparent;cursor:pointer;white-space:nowrap;line-height:1;
  transition:all .2s var(--ease);position:relative;
}
.btn-primary{background:var(--amber);color:var(--ink);box-shadow:0 4px 18px rgba(244,162,89,.35);}
.btn-primary:hover{background:var(--amber-deep);color:var(--ink);transform:translateY(-2px);box-shadow:0 8px 26px rgba(244,162,89,.45);}
.btn-outline{background:transparent;color:var(--navy);border-color:var(--line);}
.btn-outline:hover{border-color:var(--navy);background:var(--paper);color:var(--navy);}
.btn-ghost{background:rgba(255,255,255,.06);color:#fff;border-color:rgba(255,255,255,.22);backdrop-filter:blur(8px);}
.btn-ghost:hover{background:rgba(255,255,255,.13);color:#fff;border-color:rgba(255,255,255,.5);}
.btn-sm{padding:11px 20px;font-size:.9rem;}
.btn-block{width:100%;}

/* ---------- Header ---------- */
.site-header{
  position:sticky;top:0;z-index:80;background:rgba(255,255,255,.86);
  backdrop-filter:blur(16px) saturate(180%);border-bottom:1px solid var(--line);
}
.nav{display:flex;align-items:center;justify-content:space-between;height:78px;gap:20px;}
.brand{display:flex;align-items:center;gap:11px;flex-shrink:0;}
.brand svg{width:38px;height:38px;}
.wordmark{font-family:'Sora',sans-serif;font-weight:700;font-size:1.32rem;letter-spacing:.07em;color:var(--navy);}
.nav-links{display:flex;align-items:center;gap:28px;list-style:none;}
.nav-links a{color:var(--ink);font-size:.94rem;font-weight:500;position:relative;padding:5px 0;}
.nav-links a:hover,.nav-links a.active{color:var(--navy);}
.nav-links a.active::after{content:'';position:absolute;left:0;right:0;bottom:-1px;height:2px;background:var(--teal);border-radius:2px;}
.nav-cta{display:flex;align-items:center;gap:12px;flex-shrink:0;}
.burger{display:none;background:none;border:0;cursor:pointer;padding:8px;}
.burger span{display:block;width:22px;height:2px;background:var(--navy);margin:5px 0;border-radius:2px;}

/* Region switcher */
.region-pick{
  display:flex;align-items:center;gap:6px;background:var(--paper);border:1px solid var(--line);
  border-radius:30px;padding:4px;
}
.region-pick button{
  border:0;background:transparent;padding:6px 13px;border-radius:30px;
  font-size:.78rem;font-weight:600;color:var(--slate);transition:all .16s var(--ease);
}
.region-pick button.on{background:var(--navy);color:#fff;}

/* ---------- Hero ---------- */
.hero{background:var(--navy);color:#fff;padding:120px 0 108px;}
.hero h1{color:#fff;margin-bottom:24px;}
.hero h1 .accent{
  background:linear-gradient(100deg,var(--teal) 0%,#7EE8F2 50%,var(--amber) 100%);
  -webkit-background-clip:text;background-clip:text;-webkit-text-fill-color:transparent;
}
.hero .lede{font-size:1.24rem;color:rgba(255,255,255,.74);margin-bottom:36px;max-width:640px;}
.hero-inner{max-width:900px;}
.hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:52px;}

/* Global bar */
.globe-bar{
  display:flex;gap:0;flex-wrap:wrap;border-top:1px solid rgba(255,255,255,.14);padding-top:34px;
}
.globe-bar div{padding-right:38px;margin-right:38px;border-right:1px solid rgba(255,255,255,.12);}
.globe-bar div:last-child{border:0;margin:0;padding:0;}
.globe-bar .stat{font-family:'Sora';font-size:1.85rem;font-weight:700;color:#fff;letter-spacing:-.03em;line-height:1;}
.globe-bar .cap{font-size:.8rem;color:rgba(255,255,255,.55);margin-top:7px;}

/* Page hero */
.page-hero{background:var(--navy);color:#fff;padding:88px 0 76px;}
.page-hero h1{color:#fff;margin-bottom:18px;font-size:clamp(2rem,4vw,3.1rem);}
.page-hero p{color:rgba(255,255,255,.72);font-size:1.13rem;max-width:680px;margin:0;}
.crumbs{font-size:.84rem;color:rgba(255,255,255,.45);margin-bottom:20px;}
.crumbs a{color:rgba(255,255,255,.66);}

/* ---------- Cards ---------- */
.card{
  background:var(--white);border:1px solid var(--line);border-radius:var(--r);
  padding:32px;transition:all .24s var(--ease);position:relative;overflow:hidden;
}
.card::before{
  content:'';position:absolute;top:0;left:0;right:0;height:3px;
  background:linear-gradient(90deg,var(--teal),var(--violet));
  transform:scaleX(0);transform-origin:left;transition:transform .3s var(--ease);
}
.card:hover::before{transform:scaleX(1);}
.card:hover{border-color:transparent;box-shadow:var(--sh-md);transform:translateY(-3px);}
.card h3{margin-bottom:10px;}
.card p{color:var(--slate);font-size:.96rem;margin-bottom:14px;}
.card .price{
  display:inline-block;font-size:.8rem;font-weight:700;color:var(--teal-2);
  background:rgba(18,191,207,.09);padding:5px 12px;border-radius:6px;
}
.card-icon{
  width:48px;height:48px;border-radius:12px;
  background:linear-gradient(135deg,rgba(18,191,207,.14),rgba(108,92,231,.12));
  display:flex;align-items:center;justify-content:center;margin-bottom:20px;color:var(--teal-2);
}
.card-icon svg{width:23px;height:23px;stroke:currentColor;fill:none;stroke-width:1.8;}

/* Glass card (on dark) */
.glass{
  background:rgba(255,255,255,.055);border:1px solid rgba(255,255,255,.12);
  border-radius:var(--r);padding:28px;backdrop-filter:blur(14px);
  transition:all .24s var(--ease);
}
.glass:hover{background:rgba(255,255,255,.09);border-color:rgba(18,191,207,.45);transform:translateY(-3px);}
.glass h3{font-size:1.12rem;margin-bottom:9px;}
.glass p{font-size:.93rem;color:rgba(255,255,255,.68);margin:0;}
.glass .flag{font-size:1.5rem;margin-bottom:12px;display:block;}
.glass.hot{background:rgba(244,162,89,.1);border-color:rgba(244,162,89,.4);}

/* ---------- Guarantee ---------- */
.guarantee{
  background:var(--navy);border-radius:var(--r-lg);padding:64px 56px;color:#fff;
  position:relative;overflow:hidden;
}
.guarantee::before{content:'';position:absolute;top:0;left:0;width:5px;height:100%;background:linear-gradient(180deg,var(--amber),var(--teal));}
.guarantee .claim{
  font-family:'Sora',sans-serif;font-size:clamp(1.6rem,3.1vw,2.35rem);font-weight:700;
  color:#fff;line-height:1.26;margin:24px 0;letter-spacing:-.03em;
}
.guarantee .claim em{
  font-style:normal;
  background:linear-gradient(100deg,var(--amber),#FFD9A8);
  -webkit-background-clip:text;background-clip:text;-webkit-text-fill-color:transparent;
}
.guarantee p{color:rgba(255,255,255,.76);}

/* ---------- Steps ---------- */
.step{position:relative;padding-left:70px;}
.step-num{
  position:absolute;left:0;top:0;width:48px;height:48px;border-radius:14px;
  background:linear-gradient(135deg,var(--navy),var(--slate-deep));color:#fff;
  display:flex;align-items:center;justify-content:center;
  font-family:'Sora';font-weight:700;font-size:1.05rem;
}
.step h3{margin-bottom:8px;}
.step p{color:var(--slate);font-size:.96rem;margin:0;}
.bg-dark .step p{color:rgba(255,255,255,.68);}

/* ---------- Pricing ---------- */
.pricing-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;align-items:start;}
.plan{
  background:#fff;border:1px solid var(--line);border-radius:var(--r);
  padding:36px 32px;position:relative;transition:all .24s var(--ease);
}
.plan:hover{box-shadow:var(--sh-md);}
.plan.featured{
  border:0;box-shadow:var(--sh-lg);transform:scale(1.04);z-index:2;
  background:linear-gradient(#fff,#fff) padding-box,
             linear-gradient(140deg,var(--teal),var(--violet)) border-box;
  border:2px solid transparent;
}
.plan-badge{
  position:absolute;top:-14px;left:50%;transform:translateX(-50%);
  background:linear-gradient(100deg,var(--teal),var(--violet));color:#fff;
  font-size:.7rem;font-weight:700;letter-spacing:.09em;text-transform:uppercase;
  padding:7px 16px;border-radius:20px;white-space:nowrap;
}
.plan-name{font-family:'Sora';font-weight:600;font-size:1.18rem;color:var(--navy);}
.plan-price{font-family:'Sora';font-size:2.7rem;font-weight:700;color:var(--navy);margin:12px 0 4px;letter-spacing:-.04em;}
.plan-price span{font-size:.95rem;font-weight:500;color:var(--slate);}
.plan-meta{font-size:.85rem;color:var(--slate);margin-bottom:26px;}
.plan ul{list-style:none;margin-bottom:30px;}
.plan li{font-size:.93rem;padding:10px 0 10px 28px;position:relative;border-bottom:1px solid var(--paper);}
.plan li::before{
  content:'';position:absolute;left:0;top:16px;width:15px;height:8px;
  border-left:2px solid var(--teal);border-bottom:2px solid var(--teal);transform:rotate(-45deg);
}
.plan li.off{color:#AAB4BF;}
.plan li.off::before{border:0;top:18px;left:2px;width:11px;height:2px;background:#D6DCE3;transform:none;}

/* ---------- Tables ---------- */
.tbl{width:100%;border-collapse:collapse;font-size:.93rem;}
.tbl th{background:var(--navy);color:#fff;text-align:left;padding:14px 16px;font-weight:600;font-size:.8rem;letter-spacing:.04em;}
.tbl th:first-child{border-radius:var(--r-sm) 0 0 0;}
.tbl th:last-child{border-radius:0 var(--r-sm) 0 0;}
.tbl td{padding:14px 16px;border-bottom:1px solid var(--line);vertical-align:top;}
.tbl tr:nth-child(even) td{background:var(--paper);}
.tbl-scroll{overflow-x:auto;border-radius:var(--r-sm);}

/* ---------- FAQ ---------- */
.faq-item{border-bottom:1px solid var(--line);}
.faq-q{
  width:100%;background:none;border:0;cursor:pointer;text-align:left;
  font-family:'Sora';font-size:1.06rem;font-weight:600;color:var(--navy);
  padding:24px 46px 24px 0;position:relative;
}
.faq-q::after{
  content:'';position:absolute;right:8px;top:50%;width:9px;height:9px;
  border-right:2px solid var(--teal);border-bottom:2px solid var(--teal);
  transform:translateY(-70%) rotate(45deg);transition:transform .22s var(--ease);
}
.faq-item.open .faq-q::after{transform:translateY(-30%) rotate(-135deg);}
.faq-a{max-height:0;overflow:hidden;transition:max-height .32s var(--ease);}
.faq-item.open .faq-a{max-height:460px;}
.faq-a p{color:var(--slate);font-size:.98rem;padding-bottom:24px;margin:0;}

/* ---------- Callout ---------- */
.callout{background:var(--paper);border-left:4px solid var(--teal);border-radius:0 var(--r-sm) var(--r-sm) 0;padding:24px 28px;margin:28px 0;}
.callout p:last-child{margin-bottom:0;}
.callout.warn{border-left-color:var(--amber);background:#FFF8F0;}

/* ---------- Forms ---------- */
.field{margin-bottom:18px;}
.field label{display:block;font-size:.85rem;font-weight:600;color:var(--navy);margin-bottom:7px;}
.field input,.field select,.field textarea{
  width:100%;padding:14px 16px;font-family:'Inter';font-size:1rem;color:var(--ink);
  background:#fff;border:1px solid var(--line);border-radius:var(--r-sm);transition:all .15s var(--ease);
}
.field input:focus,.field select:focus,.field textarea:focus{
  outline:none;border-color:var(--teal);box-shadow:0 0 0 3px rgba(18,191,207,.14);
}
.field textarea{min-height:120px;resize:vertical;}
.form-note{font-size:.82rem;color:var(--slate);margin-top:12px;}
.form-card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:36px;box-shadow:var(--sh-sm);}

/* ---------- Tool ---------- */
.tool{
  background:#fff;border-radius:var(--r-lg);padding:40px;box-shadow:var(--sh-lg);
  border:2px solid transparent;
  background:linear-gradient(#fff,#fff) padding-box,
             linear-gradient(140deg,var(--teal),var(--violet)) border-box;
}
.tool-result{margin-top:24px;padding:26px;border-radius:var(--r-sm);background:var(--paper);border-left:4px solid var(--teal);display:none;}
.tool-result.show{display:block;animation:pop .3s var(--ease);}
@keyframes pop{from{opacity:0;transform:translateY(8px)}to{opacity:1;transform:none}}
.tool-result h4{color:var(--navy);margin-bottom:8px;font-size:1.16rem;}
.tool-result p{font-size:.95rem;color:var(--slate);margin-bottom:0;}
.verdict{display:inline-block;font-size:.72rem;font-weight:700;letter-spacing:.09em;text-transform:uppercase;padding:5px 13px;border-radius:20px;margin-bottom:13px;}
.v-in{background:rgba(199,125,37,.14);color:var(--warning);}
.v-out{background:rgba(31,157,104,.13);color:var(--success);}

/* ---------- Blog ---------- */
.post-card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:28px;transition:all .24s var(--ease);display:flex;flex-direction:column;}
.post-card:hover{border-color:var(--teal);box-shadow:var(--sh-md);transform:translateY(-3px);}
.post-tag{display:inline-block;font-size:.69rem;font-weight:700;letter-spacing:.09em;text-transform:uppercase;color:var(--teal-2);margin-bottom:12px;}
.post-card h3{font-size:1.12rem;margin-bottom:10px;line-height:1.35;}
.post-card p{font-size:.92rem;color:var(--slate);flex-grow:1;}
.post-meta{font-size:.8rem;color:var(--slate);padding-top:15px;margin-top:6px;border-top:1px solid var(--paper);}

/* ---------- Team ---------- */
.person{text-align:center;}
.avatar{
  width:100px;height:100px;border-radius:26px;margin:0 auto 18px;
  background:linear-gradient(140deg,var(--slate-deep),var(--teal));
  display:flex;align-items:center;justify-content:center;
  font-family:'Sora';font-weight:700;font-size:1.75rem;color:#fff;
}
.person h4{margin-bottom:3px;}
.person .role{font-size:.85rem;color:var(--teal-2);font-weight:600;margin-bottom:9px;}
.person p{font-size:.89rem;color:var(--slate);}

/* ---------- CTA band ---------- */
.cta-band{
  background:var(--navy);border-radius:var(--r-lg);padding:76px 48px;text-align:center;
  color:#fff;position:relative;overflow:hidden;
}
.cta-band h2{color:#fff;margin-bottom:16px;}
.cta-band p{color:rgba(255,255,255,.72);max-width:560px;margin:0 auto 32px;}

/* ---------- Footer ---------- */
.site-footer{background:var(--navy);color:rgba(255,255,255,.62);padding:80px 0 34px;}
.foot-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:44px;margin-bottom:52px;}
.site-footer h4{color:#fff;font-size:.78rem;letter-spacing:.12em;text-transform:uppercase;margin-bottom:18px;}
.site-footer ul{list-style:none;}
.site-footer li{margin-bottom:10px;}
.site-footer a{color:rgba(255,255,255,.62);font-size:.92rem;}
.site-footer a:hover{color:#fff;}
.foot-about p{font-size:.92rem;color:rgba(255,255,255,.58);max-width:330px;margin-top:18px;}
.foot-bottom{border-top:1px solid rgba(255,255,255,.11);padding-top:28px;display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap;font-size:.82rem;color:rgba(255,255,255,.42);}
.compliance-note{background:rgba(255,255,255,.045);border:1px solid rgba(255,255,255,.11);border-radius:var(--r-sm);padding:18px 22px;margin-bottom:44px;font-size:.85rem;color:rgba(255,255,255,.6);line-height:1.65;}

/* ---------- Marquee ---------- */
.marquee{overflow:hidden;padding:22px 0;border-block:1px solid var(--line);background:var(--paper);}
.marquee-track{display:flex;gap:56px;width:max-content;animation:slide 42s linear infinite;}
@keyframes slide{to{transform:translateX(-50%)}}
.marquee span{
  font-size:.86rem;font-weight:600;color:var(--slate);white-space:nowrap;
  display:flex;align-items:center;gap:9px;
}
.marquee span::before{content:'';width:5px;height:5px;border-radius:50%;background:var(--teal);}

/* ---------- Responsive ---------- */
@media(max-width:1080px){
  .g4{grid-template-columns:repeat(2,1fr);}
  .foot-grid{grid-template-columns:1fr 1fr;}
  .pricing-grid{grid-template-columns:1fr;}
  .plan.featured{transform:none;}
  .nav-links{gap:18px;}
}
@media(max-width:860px){
  body{font-size:16px;}
  section{padding:64px 0;}
  .g2,.g3{grid-template-columns:1fr;}
  .nav-links,.nav-cta .btn,.region-pick{display:none;}
  .burger{display:block;}
  .nav-links.open{
    display:flex;flex-direction:column;position:absolute;top:78px;left:0;right:0;
    background:#fff;padding:24px;gap:18px;border-bottom:1px solid var(--line);
    box-shadow:var(--sh-md);align-items:flex-start;
  }
  .hero{padding:76px 0 64px;}
  .guarantee,.cta-band{padding:44px 26px;}
  .foot-grid{grid-template-columns:1fr;}
  .globe-bar div{border:0;padding:0;margin:0 32px 20px 0;}
}