/* ================================================================
   SecureRefund Bank — Premium Fintech Stylesheet
   ================================================================ */

/* ---------- CSS Variables / Design Tokens ---------- */
:root {
  --navy-950: #051220;
  --navy-900: #0a2540;
  --navy-800: #0f2d4f;
  --blue: #0066ff;
  --blue-light: #4d94ff;
  --accent: #00d4aa;
  --gold: #c9a84c;
  --white: #ffffff;
  --gray-50: #f8fafc;
  --gray-100: #f1f5f9;
  --gray-300: #cbd5e1;
  --gray-400: #94a3b8;
  --gray-500: #64748b;
  --gray-600: #475569;
  --green: #10b981;
  --red: #ef4444;
  --orange: #f97316;
  --yellow: #f59e0b;
  --purple: #8B5CF6;
  --glass-bg: rgba(255,255,255,0.03);
  --glass-border: rgba(255,255,255,0.08);
  --glass-hover: rgba(255,255,255,0.06);
  --radius-sm: 10px;
  --radius: 16px;
  --radius-lg: 24px;
  --shadow: 0 8px 32px rgba(0,0,0,0.2);
  --shadow-lg: 0 16px 48px rgba(0,0,0,0.3);
  --transition: 0.3s cubic-bezier(0.4, 0, 0.2, 1);
  --font: 'Inter', 'SF Pro Display', system-ui, -apple-system, sans-serif;
}

/* ---------- Reset & Base ---------- */
*, *::before, *::after { margin:0; padding:0; box-sizing:border-box; }
html { scroll-behavior:smooth; -webkit-font-smoothing:antialiased; }
body {
  font-family: var(--font);
  background: linear-gradient(135deg, var(--navy-950) 0%, var(--navy-900) 50%, #0a1a35 100%);
  color: var(--white);
  min-height: 100vh;
  overflow-x: hidden;
  line-height: 1.6;
}

/* ---------- Glass Utility ---------- */
.glass {
  background: var(--glass-bg);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  border: 1px solid var(--glass-border);
  box-shadow: var(--shadow);
}

/* ---------- Buttons ---------- */
.btn-primary {
  display: inline-flex; align-items:center; gap:8px;
  background: linear-gradient(135deg, var(--blue), var(--blue-light));
  color: var(--white); border:none; padding:12px 28px; border-radius:12px;
  font-weight:600; font-size:0.95rem; cursor:pointer; text-decoration:none;
  transition: var(--transition); box-shadow: 0 4px 15px rgba(0,102,255,0.3);
  position:relative; overflow:hidden;
}
.btn-primary:hover { transform:translateY(-2px); box-shadow:0 8px 25px rgba(0,102,255,0.4); }
.btn-primary::after {
  content:''; position:absolute; top:0; left:-100%; width:100%; height:100%;
  background: linear-gradient(90deg, transparent, rgba(255,255,255,0.2), transparent);
  transition: left 0.5s ease;
}
.btn-primary:hover::after { left:100%; }
.btn-sm { padding:8px 18px; font-size:0.85rem; border-radius:10px; }
.btn-lg { padding:14px 32px; font-size:1rem; border-radius:14px; }

.btn-secondary {
  display: inline-flex; align-items:center; gap:8px;
  background: var(--glass-bg); backdrop-filter:blur(10px);
  border:1px solid var(--glass-border); color:var(--white);
  padding:12px 28px; border-radius:12px; font-weight:600; font-size:0.95rem;
  cursor:pointer; text-decoration:none; transition:var(--transition);
}
.btn-secondary:hover { border-color:var(--blue); background:rgba(0,102,255,0.1); }

.btn-ghost {
  display: inline-flex; align-items:center; gap:8px;
  background:transparent; border:none; color:var(--gray-300);
  padding:12px 28px; border-radius:12px; font-weight:600; font-size:0.95rem;
  cursor:pointer; text-decoration:none; transition:var(--transition);
}
.btn-ghost:hover { color:var(--white); background:rgba(255,255,255,0.05); }
.btn-block { display:block; text-align:center; justify-content:center; }

/* ---------- Navbar ---------- */
.navbar {
  position:fixed; top:0; inset-inline:0; z-index:100;
  padding:16px 0; transition:all 0.4s ease;
}
.navbar.scrolled {
  background:rgba(5,18,32,0.85); backdrop-filter:blur(20px);
  border-bottom:1px solid rgba(255,255,255,0.06);
  box-shadow:0 4px 30px rgba(0,0,0,0.3);
  padding:10px 0;
}
.nav-inner {
  max-width:1280px; margin:0 auto; padding:0 24px;
  display:flex; align-items:center; justify-content:space-between;
}
.logo { display:flex; align-items:center; gap:10px; text-decoration:none; }
.logo-icon {
  width:40px; height:40px; border-radius:12px;
  background: linear-gradient(135deg, var(--blue), var(--accent));
  display:flex; align-items:center; justify-content:center;
  box-shadow:0 4px 12px rgba(0,102,255,0.3);
  transition:transform var(--transition);
}
.logo:hover .logo-icon { transform:scale(1.05); }
.logo span { font-size:1.25rem; font-weight:700; color:var(--white); letter-spacing:-0.3px; }
.logo-accent { color:var(--blue); }

.nav-links { display:flex; gap:32px; }
.nav-links a {
  color:var(--gray-300); text-decoration:none; font-size:0.9rem;
  font-weight:500; transition:color var(--transition);
}
.nav-links a:hover { color:var(--white); }
.nav-actions { display:flex; align-items:center; gap:8px; }

.hamburger { display:none; flex-direction:column; gap:4px; background:none; border:none; cursor:pointer; padding:4px; }
.hamburger span { display:block; width:24px; height:2px; background:var(--white); border-radius:2px; transition:var(--transition); }

/* ---------- Hero ---------- */
.hero {
  position:relative; min-height:100vh; display:flex; align-items:center;
  padding:100px 0 60px; overflow:hidden;
}
.hero-bg {
  position:absolute; inset:0;
  background:
    radial-gradient(ellipse 80% 60% at 30% 20%, rgba(0,102,255,0.08) 0%, transparent 60%),
    radial-gradient(ellipse 60% 50% at 70% 80%, rgba(0,212,170,0.05) 0%, transparent 60%);
  pointer-events:none;
}
.hero-bg::before {
  content:''; position:absolute; inset:0;
  background-image:
    linear-gradient(rgba(255,255,255,0.015) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.015) 1px, transparent 1px);
  background-size:40px 40px;
}
.hero-grid {
  position:relative; max-width:1280px; margin:0 auto; padding:0 24px;
  display:grid; grid-template-columns:1fr 1fr; gap:60px; align-items:center;
}
.hero-text { animation: fadeInLeft 0.8s ease; }
.hero-badge {
  display:inline-flex; align-items:center; gap:8px;
  padding:6px 16px; border-radius:20px;
  background:rgba(0,102,255,0.1); border:1px solid rgba(0,102,255,0.2);
  color:var(--blue); font-size:0.85rem; font-weight:600; margin-bottom:24px;
}
.pulse-dot { width:8px; height:8px; border-radius:50%; background:var(--accent); animation:pulse 2s ease infinite; }
@keyframes pulse { 0%,100%{opacity:1} 50%{opacity:0.4} }

.hero h1 {
  font-size:clamp(2.2rem, 5vw, 3.8rem); font-weight:800;
  line-height:1.12; letter-spacing:-1px; margin-bottom:20px;
}
.gradient-text {
  background: linear-gradient(135deg, var(--blue), var(--accent));
  -webkit-background-clip:text; -webkit-text-fill-color:transparent;
  background-clip:text;
}
.hero-sub { font-size:1.1rem; color:var(--gray-400); max-width:500px; line-height:1.7; margin-bottom:32px; }
.hero-btns { display:flex; flex-wrap:wrap; gap:12px; margin-bottom:28px; }
.hero-btns .arrow { transition:transform var(--transition); }
.hero-btns a:hover .arrow { transform:translateX(4px); }
.hero-checks { display:flex; flex-wrap:wrap; gap:20px; font-size:0.85rem; color:var(--gray-500); }
.hero-checks .check { color:var(--accent); margin-right:4px; font-weight:700; }

/* Hero Visual */
.hero-visual { position:relative; animation:fadeInRight 0.8s ease 0.2s both; }
@keyframes fadeInLeft { from{opacity:0;transform:translateX(-30px)} to{opacity:1;transform:translateX(0)} }
@keyframes fadeInRight { from{opacity:0;transform:translateX(30px)} to{opacity:1;transform:translateX(0)} }

/* Floating Cards */
.floating-card {
  position:absolute; width:260px; padding:22px; border-radius:18px;
  color:var(--white); box-shadow:0 20px 60px rgba(0,0,0,0.4);
  display:grid; grid-template-columns:1fr 1fr; gap:6px 12px;
  font-size:0.8rem; z-index:2;
}
.visa-card {
  background: linear-gradient(135deg, #2563eb, #0891b2);
  top:-20px; left:-20px; transform:rotate(-6deg);
  animation: floatA 4s ease-in-out infinite;
}
.premium-card {
  background: linear-gradient(135deg, #1a1a2e, #92400e);
  bottom:-20px; right:-20px; transform:rotate(3deg);
  animation: floatB 5s ease-in-out infinite 0.8s;
}
@keyframes floatA { 0%,100%{transform:rotate(-6deg) translateY(0)} 50%{transform:rotate(-6deg) translateY(-14px)} }
@keyframes floatB { 0%,100%{transform:rotate(3deg) translateY(0)} 50%{transform:rotate(3deg) translateY(-18px)} }

.floating-card .card-chip {
  grid-column:1/-1; font-size:0.6rem; letter-spacing:3px; opacity:0.7;
}
.floating-card .card-type { font-size:1.1rem; font-weight:800; }
.floating-card .card-number { grid-column:1/-1; font-family:monospace; font-size:1rem; letter-spacing:3px; }
.floating-card .card-name { font-size:0.7rem; opacity:0.9; }
.floating-card .card-expiry { font-size:0.7rem; text-align:right; opacity:0.9; }

/* Dashboard Mockup */
.dashboard-mockup {
  background:rgba(10,37,64,0.7); backdrop-filter:blur(20px);
  border:1px solid rgba(255,255,255,0.08); border-radius:20px;
  padding:24px; box-shadow:0 20px 60px rgba(0,0,0,0.3);
  position:relative; z-index:1;
}
.mock-header { display:flex; justify-content:space-between; align-items:center; margin-bottom:16px; }
.mock-label { font-size:0.7rem; color:var(--gray-500); font-weight:600; letter-spacing:1px; }
.mock-badge { font-size:0.65rem; padding:3px 10px; border-radius:20px; font-weight:700; }
.mock-badge.live { background:rgba(16,185,129,0.15); color:var(--green); border:1px solid rgba(16,185,129,0.25); }
.mock-balance-label { display:block; font-size:0.65rem; color:var(--gray-500); letter-spacing:1px; margin-bottom:4px; }
.mock-balance-value { font-size:2.4rem; font-weight:800; }
.mock-cents { font-size:1.2rem; color:var(--gray-400); font-weight:400; }
.mock-stats { display:grid; grid-template-columns:1fr 1fr; gap:12px; margin:16px 0; }
.mock-stat {
  background:rgba(255,255,255,0.04); border-radius:10px; padding:10px 14px;
  display:flex; justify-content:space-between; font-size:0.75rem; font-weight:600;
}
.mock-stat.up span:first-child { color:var(--green); }
.mock-stat.down span:first-child { color:var(--red); }
.mock-txns { display:flex; flex-direction:column; gap:8px; }
.mock-txn { display:flex; justify-content:space-between; font-size:0.72rem; color:var(--gray-400); padding:6px 0; border-top:1px solid rgba(255,255,255,0.04); }
.mock-txn .t-up { color:var(--green); font-weight:600; }
.mock-txn .t-down { color:var(--red); font-weight:600; }

/* ---------- Sections ---------- */
.section { padding:100px 0; }
.section-inner { max-width:1280px; margin:0 auto; padding:0 24px; }
.section-header { text-align:center; margin-bottom:64px; }
.section-tag {
  display:inline-block; font-size:0.8rem; font-weight:600; letter-spacing:2px;
  text-transform:uppercase; color:var(--blue); margin-bottom:12px;
}
.section-tag.accent { color:var(--accent); }
.section-header h2 { font-size:clamp(1.8rem, 3.5vw, 2.8rem); font-weight:700; margin-bottom:12px; letter-spacing:-0.5px; }
.section-header p { color:var(--gray-400); max-width:600px; margin:0 auto; font-size:1.05rem; }

/* ---------- Features Grid ---------- */
.features-grid {
  display:grid; grid-template-columns:repeat(auto-fit, minmax(260px, 1fr)); gap:20px;
}
.feature-card {
  background:var(--glass-bg); backdrop-filter:blur(16px);
  border:1px solid var(--glass-border); border-radius:var(--radius);
  padding:28px; transition:all var(--transition); cursor:default;
}
.feature-card:hover {
  border-color:rgba(0,102,255,0.3);
  box-shadow:0 12px 40px rgba(0,0,0,0.15), 0 0 20px rgba(0,102,255,0.08);
  transform:translateY(-4px);
}
.feat-icon {
  width:48px; height:48px; border-radius:12px;
  background:linear-gradient(135deg, var(--c1, #0066ff), var(--c2, #00d4aa));
  display:flex; align-items:center; justify-content:center; margin-bottom:20px;
}
.feat-icon svg { width:22px; height:22px; }
.feature-card h3 { font-size:1.05rem; margin-bottom:8px; color:var(--white); }
.feature-card p { font-size:0.85rem; color:var(--gray-400); line-height:1.6; }

/* ---------- Pricing ---------- */
.pricing-grid {
  display:grid; grid-template-columns:repeat(auto-fit, minmax(280px, 1fr)); gap:24px;
  max-width:1000px; margin:0 auto;
}
.pricing-card {
  background:var(--glass-bg); backdrop-filter:blur(16px);
  border:1px solid var(--glass-border); border-radius:var(--radius-lg);
  padding:36px 28px; transition:all var(--transition); position:relative;
  display:flex; flex-direction:column;
}
.pricing-card:hover { border-color:rgba(255,255,255,0.15); }
.pricing-card.featured {
  border-color:var(--blue); box-shadow:0 0 0 1px var(--blue), 0 12px 40px rgba(0,102,255,0.15);
  transform:scale(1.03); z-index:2;
}
.pricing-card h3 { font-size:1.2rem; margin-bottom:12px; }
.price { display:flex; align-items:baseline; gap:6px; margin-bottom:12px; }
.amount { font-size:2.8rem; font-weight:800; }
.period { font-size:0.9rem; color:var(--gray-400); }
.pricing-card > p { color:var(--gray-400); font-size:0.9rem; margin-bottom:24px; }
.pricing-card ul { list-style:none; margin-bottom:28px; flex:1; }
.pricing-card li { padding:6px 0; font-size:0.88rem; color:var(--gray-300); }
.pricing-card li::before { content:'✓ '; color:var(--accent); font-weight:700; }
.popular-badge {
  position:absolute; top:-12px; left:50%; transform:translateX(-50%);
  background:var(--blue); color:var(--white); padding:4px 16px;
  border-radius:20px; font-size:0.7rem; font-weight:700; letter-spacing:1px;
}

/* ---------- Stats ---------- */
.stats-section { background:rgba(255,255,255,0.015); }
.stats-card {
  background:var(--glass-bg); backdrop-filter:blur(16px);
  border:1px solid var(--glass-border); border-radius:var(--radius-lg);
  padding:56px 40px;
}
.stats-card .section-header { margin-bottom:40px; }
.stats-grid { display:grid; grid-template-columns:repeat(auto-fit, minmax(180px, 1fr)); gap:40px; text-align:center; }
.stat-icon { font-size:2rem; display:block; margin-bottom:12px; }
.stat-value { font-size:2.4rem; font-weight:800; display:block; }
.stat-label { font-size:0.85rem; color:var(--gray-500); display:block; margin-top:4px; }

/* ---------- How It Works ---------- */
.steps-grid { display:grid; grid-template-columns:repeat(auto-fit, minmax(240px, 1fr)); gap:32px; }
.step-card {
  background:var(--glass-bg); backdrop-filter:blur(16px);
  border:1px solid var(--glass-border); border-radius:var(--radius);
  padding:40px 28px; text-align:center; position:relative; transition:var(--transition);
}
.step-card:hover { border-color:rgba(255,255,255,0.15); transform:translateY(-4px); }
.step-num {
  position:absolute; top:12px; left:50%; transform:translateX(-50%);
  font-size:4rem; font-weight:900; color:rgba(0,102,255,0.06); line-height:1; pointer-events:none;
}
.step-icon { width:56px; height:56px; border-radius:16px; background:rgba(0,102,255,0.1); display:flex; align-items:center; justify-content:center; margin:0 auto 20px; position:relative; z-index:1; }
.step-icon svg { width:26px; height:26px; color:var(--blue); }
.step-card h3 { margin-bottom:8px; }
.step-card p { font-size:0.9rem; color:var(--gray-400); }

/* ---------- Card Showcase ---------- */
.cards-showcase { display:grid; grid-template-columns:repeat(auto-fit, minmax(280px, 1fr)); gap:32px; }
.showcase-card { text-align:center; }
.sc-inner {
  height:210px; border-radius:20px; padding:24px;
  display:flex; flex-direction:column; justify-content:space-between;
  box-shadow:0 20px 50px rgba(0,0,0,0.3); cursor:pointer;
  transition:transform 0.4s ease, box-shadow 0.4s ease;
}
.sc-inner:hover { transform:perspective(800px) rotateY(-5deg) translateY(-6px); box-shadow:0 30px 60px rgba(0,0,0,0.4); }
.visa-theme .sc-inner { background:linear-gradient(135deg, #2563eb, #0891b2); }
.mastercard-theme .sc-inner { background:linear-gradient(135deg, #dc2626, #ea580c); }
.premium-theme .sc-inner { background:linear-gradient(135deg, #1a1a2e, #92400e); }
.sc-top { display:flex; justify-content:space-between; font-size:0.7rem; opacity:0.8; }
.sc-type { font-weight:800; font-size:1rem; }
.sc-chip { font-size:0.5rem; letter-spacing:6px; opacity:0.5; }
.sc-number { font-family:monospace; font-size:1.1rem; letter-spacing:4px; }
.sc-bottom { display:flex; justify-content:space-between; font-size:0.7rem; }
.sc-bottom small { opacity:0.5; text-transform:uppercase; font-size:0.6rem; }
.disclaimer { font-size:0.7rem; color:var(--gray-500); margin-top:12px; }

/* ---------- Transfer ---------- */
.transfer-grid {
  display:grid; grid-template-columns:1fr 1fr; gap:48px; align-items:center;
}
.transfer-info .section-tag { margin-bottom:12px; }
.transfer-info h2 { font-size:2.2rem; margin-bottom:16px; }
.transfer-info > p { color:var(--gray-400); margin-bottom:24px; line-height:1.7; }
.transfer-types { display:flex; flex-wrap:wrap; gap:8px; margin-bottom:24px; }
.tt-badge {
  padding:5px 14px; border-radius:20px; font-size:0.75rem; font-weight:600;
  background:rgba(255,255,255,0.05); border:1px solid var(--glass-border);
}
.transfer-features { display:flex; flex-direction:column; gap:8px; }
.transfer-features div { display:flex; align-items:center; gap:8px; font-size:0.9rem; color:var(--gray-300); }
.transfer-features span { color:var(--accent); font-weight:700; }

.transfer-mockup { display:flex; justify-content:center; }
.tm-card {
  background:var(--glass-bg); backdrop-filter:blur(16px);
  border:1px solid var(--glass-border); border-radius:var(--radius-lg);
  padding:32px; width:100%; max-width:380px;
}
.tm-header { font-size:1.2rem; font-weight:700; margin-bottom:24px; }
.tm-field { margin-bottom:16px; }
.tm-field label { display:block; font-size:0.7rem; color:var(--gray-500); text-transform:uppercase; letter-spacing:1px; margin-bottom:4px; }
.tm-field span { display:block; padding:12px 16px; background:rgba(255,255,255,0.04); border:1px solid var(--glass-border); border-radius:10px; font-size:0.9rem; }
.tm-amount { font-size:1.4rem !important; font-weight:700; }
.tm-row { display:flex; justify-content:space-between; padding:10px 0; font-size:0.85rem; border-top:1px solid rgba(255,255,255,0.04); }
.tm-free { color:var(--accent); font-weight:700; }
.tm-btn {
  margin-top:20px; text-align:center; padding:14px;
  background:linear-gradient(135deg, var(--blue), var(--blue-light));
  border-radius:12px; font-weight:600; cursor:pointer; color:var(--white);
  box-shadow:0 4px 15px rgba(0,102,255,0.3); transition:var(--transition);
}
.tm-btn:hover { box-shadow:0 8px 25px rgba(0,102,255,0.4); }

/* ---------- Refund ---------- */
.refund-grid { display:grid; grid-template-columns:1fr 1fr; gap:48px; align-items:start; }
.refund-features { display:grid; gap:16px; }
.rf-item { display:flex; gap:16px; background:var(--glass-bg); backdrop-filter:blur(16px); border:1px solid var(--glass-border); border-radius:var(--radius); padding:20px; transition:var(--transition); }
.rf-item:hover { border-color:rgba(255,255,255,0.15); }
.rf-icon { width:40px; height:40px; border-radius:10px; background:rgba(249,115,22,0.1); display:flex; align-items:center; justify-content:center; font-size:1.2rem; flex-shrink:0; }
.rf-item h4 { font-size:0.95rem; margin-bottom:4px; }
.rf-item p { font-size:0.8rem; color:var(--gray-400); line-height:1.5; }

.refund-live {
  background:var(--glass-bg); backdrop-filter:blur(16px);
  border:1px solid var(--glass-border); border-radius:var(--radius-lg);
  padding:28px;
}
.rl-header { display:flex; justify-content:space-between; align-items:center; margin-bottom:20px; }
.rl-header h3 { font-size:1.1rem; }
.rl-item {
  display:flex; justify-content:space-between; align-items:center;
  padding:14px; border-radius:12px; background:rgba(255,255,255,0.02);
  border:1px solid transparent; margin-bottom:8px; transition:var(--transition);
}
.rl-item:hover { border-color:rgba(255,255,255,0.06); }
.rli-left { display:flex; align-items:center; gap:12px; }
.rli-dot { width:10px; height:10px; border-radius:50%; }
.rli-dot.approved, .rli-dot.resolved { background:var(--green); }
.rli-dot.processing { background:var(--blue); }
.rli-dot.pending { background:var(--yellow); }
.rli-left strong { display:block; font-size:0.9rem; }
.rli-left small { font-size:0.72rem; color:var(--gray-500); }
.rli-right { text-align:right; }
.rli-right span:first-child { display:block; font-weight:600; font-size:0.9rem; }
.status { font-size:0.72rem; font-weight:600; }
.status.approved, .status.resolved { color:var(--green); }
.status.processing { color:var(--blue); }
.status.pending { color:var(--yellow); }
.btn-refund {
  display:block; text-align:center; margin-top:20px; padding:14px;
  background:linear-gradient(135deg, rgba(249,115,22,0.15), rgba(234,179,8,0.1));
  border:1px solid rgba(249,115,22,0.2); border-radius:12px;
  color:#fdba74; font-weight:600; text-decoration:none; transition:var(--transition);
}
.btn-refund:hover { background:rgba(249,115,22,0.25); }

/* ---------- Security ---------- */
.security-grid { display:grid; grid-template-columns:repeat(auto-fit, minmax(220px, 1fr)); gap:20px; }
.security-card {
  background:var(--glass-bg); backdrop-filter:blur(16px);
  border:1px solid var(--glass-border); border-radius:var(--radius);
  padding:28px; text-align:center; transition:var(--transition);
}
.security-card:hover { border-color:rgba(255,255,255,0.15); }
.sec-icon { font-size:2rem; margin-bottom:16px; }
.security-card h3 { font-size:1rem; margin-bottom:8px; }
.security-card p { font-size:0.83rem; color:var(--gray-400); line-height:1.6; }

/* ---------- Testimonials ---------- */
.testimonials-grid { display:grid; grid-template-columns:repeat(auto-fit, minmax(280px, 1fr)); gap:24px; }
.testimonial-card {
  background:var(--glass-bg); backdrop-filter:blur(16px);
  border:1px solid var(--glass-border); border-radius:var(--radius);
  padding:32px; transition:var(--transition);
}
.testimonial-card:hover { border-color:rgba(255,255,255,0.15); }
.stars { color:var(--yellow); font-size:1rem; margin-bottom:16px; letter-spacing:2px; }
.t-text { font-size:0.92rem; color:var(--gray-300); line-height:1.7; margin-bottom:24px; font-style:italic; }
.t-author { display:flex; align-items:center; gap:12px; }
.t-avatar {
  width:42px; height:42px; border-radius:50%;
  background:linear-gradient(135deg, var(--blue), var(--purple));
  display:flex; align-items:center; justify-content:center;
  font-weight:700; font-size:0.8rem; flex-shrink:0;
}
.t-author strong { display:block; font-size:0.9rem; }
.t-author small { color:var(--gray-500); font-size:0.78rem; }

/* ---------- Mobile ---------- */
.mobile-grid { display:grid; grid-template-columns:1fr 1fr; gap:48px; align-items:center; }
.mobile-info .section-tag { margin-bottom:12px; }
.mobile-info h2 { font-size:2.2rem; margin-bottom:16px; }
.mobile-info > p { color:var(--gray-400); margin-bottom:24px; line-height:1.7; }
.mobile-features { list-style:none; margin-bottom:28px; display:flex; flex-direction:column; gap:8px; }
.mobile-features li { font-size:0.9rem; color:var(--gray-300); }
.mobile-features li::before { content:'✓ '; color:var(--accent); font-weight:700; }
.mobile-btns { display:flex; gap:12px; }
.store-btn {
  padding:10px 20px; border-radius:12px; font-size:0.85rem; font-weight:600;
  cursor:pointer; border:1px solid var(--glass-border);
  background:var(--glass-bg); color:var(--white); transition:var(--transition);
}
.store-btn.dark { background:var(--white); color:var(--navy-950); border:none; }
.store-btn:hover { border-color:var(--blue); }

.phone-frame {
  width:240px; height:480px; border:4px solid #334155; border-radius:40px;
  background:var(--navy-900); overflow:hidden; box-shadow:0 20px 60px rgba(0,0,0,0.4);
  margin:0 auto; position:relative;
}
.phone-notch { height:24px; background:var(--navy-950); display:flex; justify-content:center; align-items:center; }
.phone-notch::after { content:''; width:60px; height:4px; border-radius:2px; background:#475569; }
.phone-screen { padding:20px; }
.ps-header { font-size:0.55rem; color:var(--gray-500); letter-spacing:1px; margin-bottom:8px; }
.ps-balance { font-size:1.8rem; font-weight:800; margin-bottom:20px; }
.ps-txn { display:flex; align-items:center; gap:12px; padding:12px; background:rgba(255,255,255,0.04); border-radius:12px; margin-bottom:8px; }
.ps-icon { width:32px; height:32px; border-radius:8px; flex-shrink:0; }
.ps-icon.send { background:rgba(0,102,255,0.2); }
.ps-icon.card { background:rgba(139,92,246,0.2); }
.ps-txn strong { display:block; font-size:0.7rem; }
.ps-txn small { font-size:0.6rem; color:var(--gray-500); }
.ps-status { font-size:0.55rem; padding:2px 8px; border-radius:10px; margin-left:auto; }
.ps-status.done { background:rgba(16,185,129,0.15); color:var(--green); }
.ps-status.active { background:rgba(0,102,255,0.15); color:var(--blue); }

/* ---------- FAQ ---------- */
.faq-list { max-width:700px; margin:0 auto; display:flex; flex-direction:column; gap:10px; }
.faq-item {
  background:var(--glass-bg); backdrop-filter:blur(16px);
  border:1px solid var(--glass-border); border-radius:var(--radius);
  overflow:hidden;
}
.faq-q {
  width:100%; padding:20px 24px; background:none; border:none;
  color:var(--white); font-size:0.95rem; font-weight:500; text-align:left;
  cursor:pointer; display:flex; justify-content:space-between; align-items:center;
  font-family:var(--font); transition:background var(--transition);
}
.faq-q:hover { background:rgba(255,255,255,0.02); }
.faq-arrow { font-size:1.2rem; transition:transform 0.3s ease; }
.faq-item.active .faq-arrow { transform:rotate(45deg); }
.faq-a { max-height:0; overflow:hidden; transition:max-height 0.35s ease, padding 0.35s ease; }
.faq-item.active .faq-a { max-height:200px; }
.faq-a p { padding:0 24px 20px; font-size:0.88rem; color:var(--gray-400); line-height:1.7; }

/* ---------- Footer ---------- */
.footer { border-top:1px solid rgba(255,255,255,0.06); padding:80px 0 40px; }
.footer-inner { max-width:1280px; margin:0 auto; padding:0 24px; }
.footer-grid { display:grid; grid-template-columns:1.5fr repeat(4, 1fr); gap:40px; }
.footer-brand p { color:var(--gray-500); font-size:0.85rem; margin-bottom:16px; line-height:1.6; }
.social-icons { display:flex; gap:12px; }
.social-icons a {
  width:36px; height:36px; border-radius:10px; background:rgba(255,255,255,0.05);
  display:flex; align-items:center; justify-content:center; color:var(--gray-400);
  transition:var(--transition);
}
.social-icons a:hover { background:rgba(0,102,255,0.15); color:var(--white); }
.footer-col h4 { font-size:0.85rem; margin-bottom:16px; color:var(--white); }
.footer-col a { display:block; font-size:0.83rem; color:var(--gray-500); text-decoration:none; padding:4px 0; transition:color var(--transition); }
.footer-col a:hover { color:var(--white); }
.footer-bottom {
  margin-top:56px; padding-top:32px; border-top:1px solid rgba(255,255,255,0.05);
  display:flex; justify-content:space-between; font-size:0.75rem; color:var(--gray-600);
  flex-wrap:wrap; gap:12px;
}

/* ---------- Auth Pages (Login & Register) ---------- */
.auth-section {
  position: relative; min-height: 100vh; display: flex; align-items: center; justify-content: center;
  padding: 120px 24px 60px;
}
.auth-bg {
  position: absolute; inset: 0;
  background:
    radial-gradient(ellipse 60% 50% at 40% 30%, rgba(0,102,255,0.07) 0%, transparent 60%),
    radial-gradient(ellipse 50% 40% at 70% 70%, rgba(0,212,170,0.04) 0%, transparent 60%);
  pointer-events: none;
}
.auth-bg::before {
  content: ''; position: absolute; inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,0.012) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.012) 1px, transparent 1px);
  background-size: 40px 40px;
}
.auth-container { position: relative; width: 100%; max-width: 560px; z-index: 1; }
.auth-card { border-radius: var(--radius-lg); padding: 48px 40px; }

/* Auth Header */
.auth-header { text-align: center; margin-bottom: 36px; }
.auth-logo-icon {
  width: 52px; height: 52px; border-radius: 14px;
  background: linear-gradient(135deg, var(--blue), var(--accent));
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 20px;
  box-shadow: 0 8px 24px rgba(0,102,255,0.25);
}
.auth-header h1 { font-size: 1.6rem; margin-bottom: 8px; font-weight: 700; }
.auth-header p { color: var(--gray-400); font-size: 0.9rem; line-height: 1.6; }

/* Form Elements */
.auth-form { display: flex; flex-direction: column; gap: 20px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-group { display: flex; flex-direction: column; }
.form-group label {
  font-size: 0.8rem; font-weight: 600; color: var(--gray-300);
  margin-bottom: 6px; letter-spacing: 0.3px;
}
.required { color: var(--red); }
.input-wrapper {
  position: relative; display: flex; align-items: center;
}
.input-wrapper .input-icon {
  position: absolute; left: 14px; color: var(--gray-500);
  pointer-events: none; flex-shrink: 0;
}
.input-wrapper input,
.input-wrapper select {
  width: 100%; padding: 13px 14px 13px 42px;
  background: rgba(255,255,255,0.04);
  border: 1px solid var(--glass-border);
  border-radius: 12px; color: var(--white);
  font-family: var(--font); font-size: 0.9rem;
  transition: border-color var(--transition), box-shadow var(--transition);
  outline: none;
}
.input-wrapper input::placeholder { color: var(--gray-600); }
.input-wrapper input:focus,
.input-wrapper select:focus {
  border-color: var(--blue);
  box-shadow: 0 0 0 3px rgba(0,102,255,0.1);
  background: rgba(255,255,255,0.06);
}
.input-wrapper input.input-error,
.input-wrapper select.input-error {
  border-color: var(--red);
  box-shadow: 0 0 0 3px rgba(239,68,68,0.1);
}
.input-wrapper select {
  appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 24 24' fill='none' stroke='%2394a3b8' stroke-width='2.5'%3E%3Cpolyline points='6 9 12 15 18 9'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 14px center;
  padding-right: 40px;
  cursor: pointer;
}
.input-wrapper select option {
  background: var(--navy-900); color: var(--white);
}

/* Toggle Password */
.toggle-password {
  position: absolute; right: 12px;
  background: none; border: none; color: var(--gray-500);
  cursor: pointer; padding: 4px; display: flex;
  transition: color var(--transition);
}
.toggle-password:hover { color: var(--white); }

/* Form Error */
.form-error {
  font-size: 0.75rem; color: var(--red); min-height: 1.2em;
  margin-top: 4px; line-height: 1.4;
}
.form-alert {
  padding: 14px 18px; border-radius: 12px; font-size: 0.85rem;
  font-weight: 500; line-height: 1.5;
}
.form-alert-error {
  background: rgba(239,68,68,0.1);
  border: 1px solid rgba(239,68,68,0.25);
  color: #fca5a5;
}
.form-alert-success {
  background: rgba(16,185,129,0.1);
  border: 1px solid rgba(16,185,129,0.25);
  color: #6ee7b7;
}

/* Password Strength */
.password-strength { margin-top: 8px; display: flex; align-items: center; gap: 10px; }
.ps-bar {
  flex: 1; height: 4px; background: rgba(255,255,255,0.08);
  border-radius: 4px; overflow: hidden;
}
.ps-fill { height: 100%; border-radius: 4px; transition: width 0.3s ease, background 0.3s ease; width: 0; }
.ps-text { font-size: 0.72rem; font-weight: 600; white-space: nowrap; }

/* Spinner */
.spinner { animation: spin 0.8s linear infinite; }
@keyframes spin { to { transform: rotate(360deg); } }

/* Auth Footer */
.auth-footer-text {
  text-align: center; font-size: 0.88rem; color: var(--gray-500);
  margin-top: 4px;
}
.auth-footer-text a {
  color: var(--blue); text-decoration: none; font-weight: 600; transition: color var(--transition);
}
.auth-footer-text a:hover { color: var(--blue-light); text-decoration: underline; }

/* Success State */
.auth-success { text-align: center; padding: 20px 0; animation: fadeInUp 0.5s ease; }
@keyframes fadeInUp { from { opacity: 0; transform: translateY(20px); } to { opacity: 1; transform: translateY(0); } }
.success-icon {
  width: 64px; height: 64px; border-radius: 50%;
  background: linear-gradient(135deg, var(--green), #14b8a6);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.8rem; margin: 0 auto 20px;
  box-shadow: 0 8px 32px rgba(16,185,129,0.25);
}
.auth-success h2 { font-size: 1.4rem; margin-bottom: 8px; }
.auth-success > p { color: var(--gray-400); font-size: 0.9rem; margin-bottom: 24px; }
.success-details {
  display: grid; grid-template-columns: 1fr 1fr; gap: 12px;
  margin-bottom: 24px;
}
.sd-item {
  background: rgba(255,255,255,0.04); border: 1px solid var(--glass-border);
  border-radius: 12px; padding: 16px; text-align: center;
}
.sd-label { display: block; font-size: 0.7rem; color: var(--gray-500); text-transform: uppercase; letter-spacing: 1px; margin-bottom: 6px; }
.sd-value { display: block; font-size: 1rem; font-weight: 700; font-family: monospace; }
.sd-value.highlight { color: var(--accent); font-family: var(--font); font-size: 1.2rem; }
.success-note {
  font-size: 0.82rem; color: var(--gray-500); margin-bottom: 24px;
}
.auth-success .btn-primary { margin-top: 4px; }

/* Trust Badges below form */
.auth-trust {
  display: flex; justify-content: center; gap: 24px;
  margin-top: 24px; flex-wrap: wrap;
}
.trust-item {
  display: flex; align-items: center; gap: 6px;
  font-size: 0.75rem; color: var(--gray-500);
}

/* ---------- Responsive ---------- */
@media (max-width:1024px) {
  .hero-grid { grid-template-columns:1fr; text-align:center; }
  .hero-sub { max-width:100%; }
  .hero-btns { justify-content:center; }
  .hero-checks { justify-content:center; }
  .hero-visual { display:none; }
  .transfer-grid, .refund-grid, .mobile-grid { grid-template-columns:1fr; }
  .footer-grid { grid-template-columns:repeat(2, 1fr); }
}
@media (max-width:768px) {
  .nav-links, .nav-actions { display:none; }
  .nav-links.active {
    display:flex; flex-direction:column; position:absolute; top:100%;
    left:0; right:0; background:rgba(5,18,32,0.95); backdrop-filter:blur(20px);
    padding:20px 24px; gap:14px; border-top:1px solid rgba(255,255,255,0.06);
  }
  .nav-actions.active {
    display:flex; flex-direction:row; position:absolute; top:calc(100% + 200px);
    left:0; right:0; padding:0 24px 20px; background:rgba(5,18,32,0.95); gap:10px;
  }
  .hamburger { display:flex; }
  .hero h1 { font-size:2rem; }
  .section { padding:60px 0; }
  .stats-grid { grid-template-columns:1fr 1fr; }
  .footer-grid { grid-template-columns:1fr; }
  .footer-bottom { flex-direction:column; text-align:center; }
}
@media (max-width:480px) {
  .hero-btns { flex-direction:column; align-items:center; }
  .hero-btns a { width:100%; justify-content:center; }
  .form-row { grid-template-columns: 1fr; }
  .auth-card { padding: 32px 20px; }
  .auth-header h1 { font-size: 1.3rem; }
  .success-details { grid-template-columns: 1fr; }
  .auth-trust { flex-direction: column; align-items: center; gap: 8px; }
}