:root {
    --primary: #1a3c8f;
    --primary-light: #2451b8;
    --accent: #f5a623;
    --accent-light: #ffc107;
    --text-dark: #1a1a2e;
    --text-mid: #444;
    --text-light: #777;
    --bg-light: #f7f9fc;
    --border: #e5eaf3;
    --white: #ffffff;
    --radius: 14px;
    --shadow: 0 4px 24px rgba(26, 60, 143, 0.08);
    --shadow-md: 0 8px 32px rgba(26, 60, 143, 0.13);
    --max-w: 1500px;
}

* {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
}

body {
    font-family: 'Nunito', sans-serif;
    color: var(--text-dark);
    background: var(--white);
    overflow-x: hidden;
}

a {
    text-decoration: none;
    color: inherit;
}

ul {
    list-style: none;
}

img {
    display: block;
    max-width: 100%;
}

/* TOP BAR */
.topbar {
    background: #fff;
    text-align: right;
    padding: 5px 40px 0px;
    font-size: 13px;
    font-weight: 600;
}

.topbar a {
    color: var(--primary);
    display: inline-flex;
    align-items: center;
    gap: 6px;
}

.topbar i {
    color: var(--accent);
}

/* NAVBAR */
.navbar {
    background: #fff;
    position: sticky;
    top: 0;
    z-index: 200;
}

.navbar-inner {
    margin: 0 auto;
    display: flex;
    align-items: center;
    justify-content: space-evenly;
    padding: 35px 50px 55px;
    height: 68px;
}

.logo {
    display: flex;
    align-items: center;
    gap: 10px;
    margin-right: 36px;
    flex-shrink: 0;
}

.logo-img {
    width: 48px;
    height: 48px;
    border-radius: 12px;
    background: linear-gradient(135deg, var(--primary) 60%, var(--accent));
}

.logo-text h2 {
    font-family: 'Poppins', sans-serif;
    font-size: 20px;
    font-weight: 800;
    color: var(--primary);
    line-height: 1.1;
}

.logo-text span {
    font-size: 11px;
    color: var(--text-light);
    font-weight: 500;
    display: block;
}

.nav-links {
    display: flex;
    align-items: center;
    gap: 14px;

    flex: 1;
    justify-content: center;
}

.nav-item {
    position: relative;
}

.nav-item>a {
    display: flex;
    align-items: center;
    gap: 5px;
    padding: 8px 13px;
    font-size: 16px;
    font-weight: 700;
    color: var(--text-dark);
    border-radius: 8px;
    transition: background 0.18s, color 0.18s;
    white-space: nowrap;
    cursor: pointer;
}

.nav-item>a:hover,
.nav-item:hover>a {
    background: #eef2fb;
    color: var(--primary);
}

.chevron {
    font-size: 10px !important;
    color: var(--text-light);
    transition: transform 0.22s, color 0.2s;
}

.nav-item:hover>a .chevron {
    transform: rotate(180deg);
    color: var(--primary);
}

/* ── DROPDOWN BASE ── */
.dropdown {
    display: none;
    position: absolute;
    top: calc(100% + 1px);
    min-width: 230px;
    background: #fff;
    border-radius: 16px;
    box-shadow: 0 20px 60px rgba(26, 60, 143, 0.16), 0 4px 16px rgba(0, 0, 0, 0.06);
    border: 1.5px solid var(--border);
    padding: 8px;
    z-index: 999;
    animation: dropFade 0.18s ease forwards;
}

@keyframes dropFade {
    from {
        opacity: 0;
        transform: translateY(-10px);
    }

    to {
        opacity: 1;
        transform: translateY(0);
    }
}

.nav-item:hover>.dropdown {
    display: block;
}

.nav-item:hover>.dropdown-wide {
    display: grid;
}

/* Wide 2-column dropdown */
.dropdown-wide {
    min-width: 480px;
    grid-template-columns: 1fr 1fr;
    gap: 4px;
    padding: 12px;
}

.dropdown-wide .dd-col {
    padding: 4px 0;
}

/* Dropdown item */
.dd-item {
    display: flex;
    align-items: center;
    gap: 11px;
    padding: 9px 10px;
    border-radius: 10px;
    font-size: 13px;
    font-weight: 700;
    color: var(--text-dark);
    cursor: pointer;
    transition: background 0.15s, color 0.15s;
}

.dd-item:hover {
    background: #eef2fb;
    color: var(--primary);
}

.dd-icon {
    width: 36px;
    height: 36px;
    flex-shrink: 0;
    background: #f0f4ff;
    border-radius: 9px;
    display: flex;
    align-items: center;
    justify-content: center;
    transition: background 0.15s;
}

.dd-item:hover .dd-icon {
    background: var(--primary);
}

.dd-icon i {
    font-size: 14px;
    color: var(--primary);
    transition: color 0.15s;
}

.dd-item:hover .dd-icon i {
    color: #fff;
}

.dd-text {
    line-height: 1.3;
}

.dd-text small {
    display: block;
    font-size: 10px;
    font-weight: 600;
    color: var(--text-light);
    margin-top: 1px;
}

.dd-item:hover .dd-text small {
    color: rgba(26, 60, 143, 0.5);
}

/* Section label inside dropdown */
.dd-label {
    font-size: 10px;
    font-weight: 900;
    letter-spacing: 1px;
    color: var(--text-light);
    text-transform: uppercase;
    padding: 8px 10px 4px;
    display: block;
}

/* Divider */
.dd-divider {
    height: 1px;
    background: var(--border);
    margin: 6px 4px;
}

/* View all inside dropdown */
.dd-view-all {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 6px;
    margin: 6px 0 2px;
    padding: 9px 12px;
    border-radius: 10px;
    font-size: 12px;
    font-weight: 800;
    color: var(--accent);
    border: 1.5px solid #fcebd2;
    background: #fffaf3;
    cursor: pointer;
    transition: all 0.15s;
}

.dd-view-all:hover {
    background: var(--accent);
    color: #fff;
    border-color: var(--accent);
}

.dd-view-all i {
    font-size: 10px;
}

/* Sign In */
.btn-signin {
    margin-left: auto;
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: #fff;
    border: 1px solid var(--primary);
    color: var(--primary);
    padding: 14px 17px;
    border-radius: 10px;
    font-weight: 800;
    font-size: 14px;
    cursor: pointer;
    transition: all 0.18s;
    flex-shrink: 0;
}

.phone-icon {
    color: transparent;
    -webkit-text-stroke: 1.5px var(--primary);
}


/* HERO */
.hero {
    background: linear-gradient(120deg, #f0f4ff 0%, #fff8ee 100%);
    padding: 60px 0 50px;
    overflow: hidden;
}

.hero-inner {
    max-width: var(--max-w);
    margin: 0 auto;
    padding: 0 24px;
    display: grid;
    grid-template-columns: 1fr 600px;
    gap: 40px;
    align-items: center;
}

.hero-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: linear-gradient(180deg, #f5f2eb 10%, #ddd8d1 100%);
    border: 1px solid var(--accent);
    border-radius: 50px;
    padding: 6px 16px;
    font-size: 12px;
    font-weight: 700;
    letter-spacing: 0.5px;
    margin-bottom: 20px;
    box-shadow: var(--shadow);
}

.hero h1 {
    font-family: 'Times New Roman', serif;
    font-size: 63px;
    font-weight: 800;
    line-height: 1.15;
    color: var(--text-dark);
    margin-bottom: 8px;
}

.hero h1 span.gold {
    color: var(--accent);
    display: block;
}

.hero-sub {
    font-size: 16px;
    color: var(--text-mid);
    line-height: 1.7;
    margin-bottom: 32px;
    max-width: 440px;
}

.amplified {
    position: relative;
    display: inline-block;
}

.amp-icon {
    position: absolute;
    top: -10px;
    right: -24px;
    height: 29px;
    width: 33px;
    transform: rotate(10deg);
}

.hero-btns {
    display: flex;
    gap: 14px;
    flex-wrap: wrap;
    margin-bottom: 40px;
}

.btn-primary {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: var(--primary);
    color: #fff;
    padding: 13px 36px;
    border-radius: 10px;
    font-weight: 800;
    font-size: 15px;
    cursor: pointer;
    transition: all 0.18s;
    box-shadow: 0 6px 20px rgba(26, 60, 143, 0.25);
}

.btn-primary:hover {
    background: var(--primary-light);
    transform: translateY(-2px);
}

.btn-outline {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: #fff;
    border: 1px solid var(--accent);
    color: var(--accent);
    padding: 13px 36px;
    border-radius: 10px;
    font-weight: 700;
    font-size: 15px;
    cursor: pointer;
    transition: all 0.18s;
}

.btn-outline:hover {
    border-color: var(--accent);
    color: var(--accent);
}

.btn-outline i {
    color: var(--accent);
}

.hero-trust {
    background: #fff;
    display: flex;
    gap: 28px;
    padding: 20px 28px;
    border-radius: 16px;
    width: 70%;
}

.trust-item {
    display: flex;
    align-items: center;
    gap: 10px;
    font-size: 13px;
}

.trust-icon {
    width: 44px;
    height: 44px;
    background: #fff;
    border-radius: 12px;
    display: flex;
    align-items: center;
    justify-content: center;
    box-shadow: var(--shadow);
    flex-shrink: 0;
}

.trust-icon i {
    color: var(--accent);
    font-size: 18px;
}

.trust-label {
    font-weight: 800;
    color: var(--text-dark);
    font-size: 13px;
}

.trust-desc {
    color: var(--text-light);
    font-size: 11px;
}

/* App Card */
.app-card {
    background: var(--primary);
    border-radius: 24px;
    padding: 30px;
    color: #fff;
    position: relative;
    overflow: hidden;
    box-shadow: 0 16px 48px rgba(26, 60, 143, 0.28);
}

.app-card::before {
    content: '';
    position: absolute;
    top: -40px;
    right: -40px;
    width: 180px;
    height: 180px;
    background: rgba(255, 255, 255, 0.05);
    border-radius: 50%;
}

.app-card-header {
    margin-bottom: 16px;
}

.app-card-header h3 {
    font-family: 'Poppins', sans-serif;
    font-size: 22px;
    font-weight: 800;
    margin-bottom: 4px;
}

.app-card-header p {
    font-size: 14px;
    opacity: 0.85;
}

.app-features {
    margin-bottom: 20px;
}

.app-features li {
    display: flex;
    align-items: center;
    gap: 10px;
    font-size: 14px;
    padding: 6px 0;
    font-weight: 600;
}

.app-features li i {
    color: var(--accent);
    font-size: 14px;
}

.app-card-body {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 12px;
    align-items: end;
}

.app-download-section h2 {
    font-family: 'Poppins', sans-serif;
    font-size: 16px;
    font-weight: 800;
    margin-bottom: 12px;
    opacity: 0.9;
}

/* ── STORE BUTTONS: side by side row, compact size ── */
.store-btns {
    display: flex;
    flex-direction: row;
    gap: 8px;
}

.store-btn {
    display: flex;
    align-items: center;
    gap: 7px;
    background: rgb(17, 17, 17);
    border: 1px solid rgba(255, 255, 255, 0.2);
    border-radius: 10px;
    padding: 7px 10px;
    cursor: pointer;
    transition: background 0.18s;
    flex: 1;
    min-width: 0;
}

.store-btn:hover {
    background: rgba(31, 30, 30, 0.856);
}

/* Apple icon stays white FA */
.store-btn .fa-apple {
    font-size: 18px;
    color: #fff;
    flex-shrink: 0;
}

/* Colorful Google Play SVG — same slot as the old FA icon */
.gplay-icon {
    width: 18px;
    height: 18px;
    flex-shrink: 0;
}

.store-btn-text {
    line-height: 1.2;
    overflow: hidden;
}

.store-btn-text small {
    font-size: 8px;
    opacity: 0.7;
    display: block;
    text-transform: uppercase;
    letter-spacing: 0.5px;
    white-space: nowrap;
}

.store-btn-text span {
    font-size: 11px;
    font-weight: 800;
    white-space: nowrap;
}

.phone-mockup-wrap {
    width: 100%;
    height: 200px;
    display: flex;
    align-items: flex-end;
    justify-content: center;
    position: relative;
}

.phone-frame {
    position: relative;
    width: 200px;
    height: 410px;
    background: #0a0a0a;
    border-radius: 36px;
    padding: 10px 8px;
    box-shadow:
        0 0 0 2px #2a2a2a,
        0 0 0 4px #111,
        0 20px 60px rgba(0, 0, 0, 0.5);
    display: flex;
    flex-direction: column;
    align-items: center;
    margin-left: 30px;
}

/* top notch */
.phone-frame::before {
    content: '';
    position: absolute;
    top: 10px;
    left: 50%;
    transform: translateX(-50%);
    width: 50px;
    height: 6px;
    background: #1a1a1a;
    border-radius: 10px;
    z-index: 10;
}

/* side buttons */
.phone-frame::after {
    content: '';
    position: absolute;
    right: -3px;
    top: 80px;
    width: 3px;
    height: 40px;
    background: #1a1a1a;
    border-radius: 0 3px 3px 0;
    box-shadow: 0 55px 0 #1a1a1a;
}

.phone-screen {
    width: 100%;
    height: 100%;
    border-radius: 28px;
    overflow: hidden;
    position: relative;
    background: #fff;
}

.phone-screen img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    object-position: top;
    display: block;
}

/* SECTIONS */
.section {
    padding: 60px 0;
}

.section-inner {
    margin: 10px auto;
    padding: 0 44px;
}

.section-title {
    text-align: center;
    font-family: 'Times New Roman', serif;
    font-size: 33px;
    font-weight: 800;
    color: var(--text-dark);
    margin-bottom: 36px;
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 12px;
}

.section-title::before,
.section-title::after {
    content: '';
    flex: 1;
    height: 2px;
    background: linear-gradient(90deg, transparent, var(--accent));
    max-width: 120px;
}

.section-title::after {
    background: linear-gradient(90deg, var(--accent), transparent);
}

/* SOLUTIONS */
.solutions {
    background: #fff;
}

.solutions-grid {
    display: grid;
    grid-template-columns: repeat(8, 1fr);
    gap: 16px;
    margin-bottom: 28px;
}

.solution-card {
    background: #fff;
    border: 1.5px solid var(--border);
    border-radius: var(--radius);
    padding: 20px 10px 14px;
    text-align: center;
    cursor: pointer;
    transition: all 0.2s;
    box-shadow: var(--shadow);
}

.solution-card:hover {
    border-color: var(--primary);
    transform: translateY(-4px);
    box-shadow: var(--shadow-md);
}

.solution-icon {
    width: 100px;
    height: 100px;
    margin: 0 auto 12px;
    background: #f0f4ff;
    border-radius: 16px;
    display: flex;
    align-items: center;
    justify-content: center;
}

.solution-icon i {
    font-size: 28px;
    color: var(--primary);
}

.solution-card h4 {
    font-size: 12px;
    font-weight: 800;
    color: var(--text-dark);
    margin-bottom: 3px;
}

.solution-card p {
    font-size: 10px;
    color: var(--text-light);
    font-weight: 600;
}

.view-all-wrap {
    text-align: center;
}

.btn-view-all {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    border: 1.5px solid var(--accent);
    color: var(--accent);
    padding: 13px 28px;
    border-radius: 10px;
    font-weight: 800;
    font-size: 14px;
    cursor: pointer;
    transition: all 0.18s;
}

.btn-view-all:hover {
    background: var(--accent);
    color: #fff;
}

/* TOOLS */
.tools-section {
    background: var(--bg-light);
}

.tools-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 20px;
}

.tool-panel {
    background: #fff;
    border-radius: var(--radius);
    border: 1.5px solid var(--border);
    padding: 24px;
    box-shadow: var(--shadow);
}

.tool-panel-title {
    font-family: 'Times New Roman', serif;
    font-size: 20px;
    font-weight: 800;
    color: var(--text-dark);
    margin-bottom: 20px;
    border-bottom: 2px solid var(--bg-light);
    padding-bottom: 12px;
}

.tool-items {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 10px;
    margin-bottom: 16px;
}

.tool-item {
    text-align: center;
    cursor: pointer;
    padding: 8px 4px;
    border-radius: 10px;
    transition: background 0.18s;
}

.tool-item:hover {
    background: #f0f4ff;
}

.tool-item-icon {
    width: 80px;
    height: 80px;
    margin: 0 auto 8px;
    background: #f0f4ff;
    border-radius: 12px;
    display: flex;
    align-items: center;
    justify-content: center;
}

.tool-item-icon i {
    font-size: 35px;
    color: var(--primary);
}

.tool-item h5 {
    font-size: 10px;
    font-weight: 800;
    color: var(--text-dark);
    margin-bottom: 2px;
}

.tool-item p {
    font-size: 9px;
    color: var(--text-light);
    font-weight: 600;
}

.tool-view-btn {
    display: block;
    width: fit-content;
    margin: 0 auto;
    text-align: center;
    border: 1.5px solid var(--accent);
    color: var(--accent);
    padding: 9px 16px;
    border-radius: 10px;
    font-weight: 800;
    font-size: 13px;
    cursor: pointer;
    transition: all 0.18s;
}

.tool-view-btn:hover {
    background: var(--accent);
    color: #fff;
}

/* WHY */
.why-section {
    background: #fff;
}

.why-grid {
    display: grid;
    grid-template-columns: repeat(5, 1fr);
    gap: 24px;
}

.why-item {
    display: flex;
    align-items: flex-start;
    gap: 12px;

    text-align: left;
    padding: 16px;
}

.why-icon {
    width: 56px;
    height: 56px;
    margin: 0;
    flex-shrink: 0;

    background: #f0f4ff;
    border-radius: 16px;
    display: flex;
    align-items: center;
    justify-content: center;
}

.why-icon i {
    font-size: 24px;
    color: var(--primary);
}

.why-item h4 {
    font-size: 14px;
    font-weight: 800;
    color: var(--primary);
    margin-bottom: 6px;
}

.why-item p {
    font-size: 12px;
    color: var(--text-light);
    font-weight: 600;
    line-height: 1.5;
}

/* CTA */
.cta-banner {
    position: relative;
    overflow: hidden;
    max-width: var(--max-w);
    margin: auto;
    border-radius: 20px;
    margin-bottom: 25px;
    background: #0d1f80;
}

/* The golden arc lines layer */
.cta-banner::before {
    content: '';
    position: absolute;
    inset: 0;
    background:linear-gradient(to right, transparent 50%, rgba(5, 16, 58, 0.35) 100%);
    z-index: 0;
}

.cta-banner-svg {
    position: absolute;
    inset: 0;
    width: 100%;
    height: 100%;
    z-index: 0;
}

.cta-inner {
    position: relative;
    z-index: 2;
    max-width: var(--max-w);
    margin: 0 auto;
    padding: 0 50px;
    display: grid;
    grid-template-columns: 1fr auto;
    align-items: center;
    gap: 40px;
    min-height: 200px;
}

.cta-zero {
    display: flex;
    align-items: flex-end;
}

.zero-num {
    font-size: 110px;
    font-weight: 900;
    line-height: 1;
    background: linear-gradient(160deg, #f5d060 20%, #c8980a 55%, #f0c040 80%);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
    font-family: 'Times New Roman', serif;
    letter-spacing: -4px;
}

.zero-pct {
    font-size: 36px;
    font-weight: 900;
    align-self: flex-start;
    margin-top: 22px;
    background: linear-gradient(160deg, #f5d060, #c8980a);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
    font-family: 'Times New Roman', serif;
}

.cta-badge-card {
    display: flex;
    align-items: center;
    gap: 12px;
    background: rgba(10, 22, 90, 0.55);
    backdrop-filter: blur(6px);
    -webkit-backdrop-filter: blur(6px);
    border: 1px solid rgba(255, 255, 255, 0.12);
    border-radius: 50px 10px 10px 50px;
    padding: 0px 20px 0px 0px;
    position: absolute;
    top: 0;
    right: 0;
}

.cta-badge-icon {
    width: 62px;
    height: 62px;
    background: linear-gradient(135deg, #1a3aaa, #0d1f6e);
    border-radius: 50%;
    border: 1px solid rgba(255, 255, 255, 0.15);
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
}

.cta-badge-icon i {
    font-size: 28px;
    color: #d4a843;
}

.cta-badge-title {
    font-size: 13px;
    font-weight: 800;
    color: #ffffff;
    line-height: 1.4;
    white-space: nowrap;
}

.cta-badge-sub {
    font-size: 11px;
    font-weight: 500;
    color: rgba(255, 255, 255, 0.65);
    white-space: nowrap;
}

.cta-content {
    padding: 44px 0;
    margin-left: 10px;
}

.cta-banner-svg-left {
    position: absolute;
    inset: 0;
    width: 100%;
    height: 100%;
    z-index: 0;
}

.cta-label {
    font-family: 'Times new roman', sans-serif;
    font-size: 15px;
    font-weight: 800;
    color: #d6b856;
    letter-spacing: 0.5px;
    margin-bottom: 10px;
}

.cta-amount {
    font-family: 'Times new roman', sans-serif;
    font-size: 42px;
    font-weight: 900;
    color: #d6b856;
    line-height: 1;
    margin-bottom: 8px;
}

.cta-rate {
    font-size: 16px;
    color: rgba(255, 255, 255, 0.7);
    margin-bottom: 20px;
}

.cta-features {
    display: flex;
    gap: 20px;
    margin-bottom: 24px;
    flex-wrap: wrap;
}

.cta-feat {
    display: flex;
    align-items: center;
    gap: 6px;
    font-size: 15px;
    color: rgba(255, 255, 255, 0.85);
    font-weight: 600;
}

.cta-feat i {
    color: var(--accent);
    font-size: 13px;
}

.btn-cta {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: linear-gradient(130deg, #e2af09 10%, #d4d1c6, #e2af09 100%);
    color: var(--text-dark);
    padding: 13px 32px;
    border-radius: 10px;
    font-weight: 900;
    font-size: 15px;
    cursor: pointer;
    transition: all 0.18s;
    box-shadow: 0 6px 20px rgba(245, 166, 35, 0.4);
}

.cta-visual {
    display: flex;
    align-items: flex-end;
    justify-content: flex-end;
    position: relative;
    height: 200px;
    width: 220px;
    padding-top: 18px;
}

.cta-bag {
    width: 200px;
    height: 180px;
    background: rgba(255, 255, 255, 0.08);
    border-radius: 16px;
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    border: 2px dashed rgba(255, 255, 255, 0.15);
    font-size: 11px;
    color: rgba(255, 255, 255, 0.3);
}

.cta-bag i {
    font-size: 48px;
    color: rgba(255, 255, 255, 0.2);
    margin-bottom: 6px;
}

.cta-badge-card i {
    color: var(--accent);
}

/* TESTIMONIALS */
.testimonials-section {
    background: var(--bg-light);
}

.testimonials-title {
    font-family: 'Times new roman', sans-serif;
    font-size: 33px;
    font-weight: 800;
    text-align: center;
    margin-bottom: 36px;
    color: var(--text-dark);
}

.testimonials-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 20px;
}

.testimonial-card {
    background: #fff;
    border-radius: var(--radius);
    padding: 24px;
    box-shadow: var(--shadow);
    border: 1.5px solid var(--border);
    position: relative;
}

.testimonial-card::before {
    content: '\201C';
    position: absolute;
    top: 12px;
    left: 20px;
    font-size: 48px;
    color: var(--accent);
    font-family: Georgia, serif;
    line-height: 1;
    opacity: 0.6;
}

.testimonial-text {
    font-size: 16px;
    color: var(--text-mid);
    line-height: 1.7;
    margin-bottom: 16px;
    padding-top: 16px;
}

.testimonial-author {
    font-weight: 800;
    font-size: 17px;
    color: var(--text-dark);
}

.testimonial-stars {
    color: var(--accent);
    font-size: 17px;
    margin-top: 6px;
}

/* FOOTER */
.footer {
    background: #0d1f4f;
    color: rgba(255, 255, 255, 0.75);
    padding: 50px 0 0;
}

.footer-inner {
    max-width: var(--max-w);
    margin: 0 auto;
    padding: 0 24px;
    display: grid;
    grid-template-columns: 240px 1fr 1fr 1fr 1fr 240px;
    gap: 32px;
}

.footer-brand .logo-img {
    width: 52px;
    height: 52px;
    border-radius: 14px;
    background: linear-gradient(135deg, var(--primary-light) 60%, var(--accent));
    margin-bottom: 10px;
}

.footer-brand h3 {
    font-family: 'Poppins', sans-serif;
    font-weight: 800;
    font-size: 18px;
    color: #fff;
    margin-bottom: 2px;
}

.footer-brand p {
    font-size: 12px;
    margin-bottom: 16px;
    line-height: 1.5;
}

.footer-social {
    display: flex;
    gap: 10px;
}

.footer-social a {
    width: 34px;
    height: 34px;
    background: rgba(255, 255, 255, 0.08);
    border-radius: 8px;
    display: flex;
    align-items: center;
    justify-content: center;
    color: rgba(255, 255, 255, 0.7);
    font-size: 14px;
    transition: all 0.18s;
}

.footer-social a:hover {
    background: var(--accent);
    color: #fff;
}

.footer-col h4 {
    font-size: 15px;
    font-weight: 800;
    color: #fff;
    text-transform: uppercase;
    letter-spacing: 0.8px;
    margin-bottom: 16px;
}

.footer-col ul li {
    margin-bottom: 10px;
}

.footer-col ul li a {
    font-size: 15px;
    color: rgba(255, 255, 255, 0.65);
    transition: color 0.18s;
    font-weight: 600;
}

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

.footer-newsletter h4 {
    font-size: 16px;
    font-weight: 800;
    color: #fff;
    margin-bottom: 8px;
}

.footer-newsletter p {
    font-size: 14px;
    margin-bottom: 16px;
}

.newsletter-input {
    display: flex;
    flex-direction: column;
    gap: 10px;
}

.newsletter-input input {
    background: rgba(255, 255, 255, 0.08);
    border: 1px solid rgba(255, 255, 255, 0.15);
    border-radius: 10px;
    padding: 11px 14px;
    color: #fff;
    font-size: 13px;
    outline: none;
    font-family: 'Nunito', sans-serif;
    width: 100%;
}

.newsletter-input input::placeholder {
    color: rgba(255, 255, 255, 0.35);
}

.newsletter-input button {
    background: var(--accent);
    border: none;
    border-radius: 10px;
    padding: 11px;
    color: var(--text-dark);
    font-weight: 900;
    font-size: 14px;
    cursor: pointer;
    transition: background 0.18s;
    font-family: 'Nunito', sans-serif;
}

.newsletter-input button:hover {
    background: var(--accent-light);
}

.footer-bottom {
    max-width: var(--max-w);
    margin: 40px auto 0;
    padding: 16px 24px;
    border-top: 1px solid rgba(255, 255, 255, 0.08);
    display: flex;
    align-items: center;
    justify-content: space-between;
    font-size: 14px;
    color: rgba(255, 255, 255, 0.4);
}

.footer-bottom-links {
    display: flex;
    gap: 20px;
}

.footer-bottom-links a {
    color: rgba(255, 255, 255, 0.4);
    font-size: 14px;
    transition: color 0.18s;
}

.footer-bottom-links a:hover {
    color: var(--accent);
}

/* =============================================
           MOBILE HAMBURGER — hidden on desktop
        ============================================= */
.nav-hamburger {
    display: none;
    flex-direction: column;
    gap: 5px;
    cursor: pointer;
    padding: 6px;
    margin-left: auto;
    background: none;
    border: none;
}

.nav-hamburger span {
    display: block;
    width: 24px;
    height: 2px;
    background: var(--text-dark);
    border-radius: 2px;
    transition: all 0.3s;
}

/* Mobile nav overlay */
.mobile-nav-overlay {
    display: none;
    position: fixed;
    inset: 0;
    background: rgba(0, 0, 0, 0.45);
    z-index: 300;
}

.mobile-nav-overlay.open {
    display: block;
}

.mobile-nav-drawer {
    position: fixed;
    top: 0;
    left: -100%;
    width: 80%;
    max-width: 320px;
    height: 100%;
    background: #fff;
    z-index: 400;
    overflow-y: auto;
    transition: left 0.3s ease;
    padding: 20px 0 40px;
}

.mobile-nav-drawer.open {
    left: 0;
}

.mobile-nav-header {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 0 20px 16px;
    border-bottom: 1px solid var(--border);
    margin-bottom: 8px;
}

.mobile-nav-close {
    background: none;
    border: none;
    font-size: 22px;
    cursor: pointer;
    color: var(--text-dark);
    padding: 4px;
}

.mobile-nav-links {
    list-style: none;
}

.mobile-nav-links>li>a,
.mobile-nav-links>li>span {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 13px 20px;
    font-size: 15px;
    font-weight: 700;
    color: var(--text-dark);
    border-bottom: 1px solid var(--border);
    cursor: pointer;
}

.mobile-nav-links>li>a:hover,
.mobile-nav-links>li>span:hover {
    background: #eef2fb;
    color: var(--primary);
}

.mobile-sub-links {
    display: none;
    background: #f7f9fc;
    padding: 4px 0;
}

.mobile-sub-links.open {
    display: block;
}

.mobile-sub-links a {
    display: block;
    padding: 10px 32px;
    font-size: 13px;
    font-weight: 600;
    color: var(--text-mid);
    border-bottom: 1px solid var(--border);
}

.mobile-sub-links a:hover {
    color: var(--primary);
    background: #eef2fb;
}

.mobile-signin-btn {
    display: block;
    margin: 16px 20px 0;
    text-align: center;
    background: var(--primary);
    color: #fff;
    padding: 13px;
    border-radius: 10px;
    font-weight: 800;
    font-size: 15px;
}

/* =============================================
           TABLET  (≤ 1200px)
        ============================================= */
@media (max-width: 1200px) {
    .navbar-inner {
        padding: 0 20px;
        gap: 8px;
    }

    .nav-item>a {
        font-size: 14px;
        padding: 8px 9px;
    }

    .hero-inner {
        grid-template-columns: 1fr 460px;
        gap: 28px;
    }

    .hero h1 {
        font-size: 48px;
    }

    .solutions-grid {
        grid-template-columns: repeat(4, 1fr);
    }

    .footer-inner {
        grid-template-columns: 1fr 1fr 1fr;
        gap: 28px;
    }

    .footer-brand {
        grid-column: 1 / -1;
        display: flex;
        align-items: flex-start;
        gap: 20px;
        flex-wrap: wrap;
    }

    .footer-newsletter {
        grid-column: span 1;
    }

    .why-grid {
        grid-template-columns: repeat(3, 1fr);
    }

    .why-section .section-inner {
        width: auto !important;
    }
}

/* =============================================
           MOBILE  (≤ 768px)
        ============================================= */
@media (max-width: 768px) {

    /* ── Topbar ── */
    .topbar {
        padding: 7px 16px;
        text-align: center;
    }

    /* ── Navbar ── */
    .navbar-inner {
        padding: 0 16px;
        height: 60px;
        justify-content: space-between;
    }

    .logo {
        margin-right: 0;
    }

    .logo img {
        width: 160px !important;
        height: 40px !important;
    }

    /* Hide desktop nav & sign-in */
    .nav-links,
    .btn-signin {
        display: none !important;
    }

    .nav-hamburger {
        display: flex;
    }

    /* ── Hero ── */
    .hero {
        padding: 32px 0 28px;
    }

    .hero-inner {
        grid-template-columns: 1fr;
        gap: 28px;
        padding: 0 16px;
    }

    .hero h1 {
        font-size: 32px;
        line-height: 1.2;
    }

    .hero-sub {
        font-size: 14px;
        max-width: 100%;
    }

    .hero-btns {
        flex-direction: column;
        gap: 10px;
    }

    .btn-primary,
    .btn-outline {
        width: 100%;
        justify-content: center;
        padding: 13px 20px;
    }

    .hero-trust {
        width: 100%;
        flex-direction: column;
        gap: 14px;
        padding: 16px;
    }

    /* App card */
    .app-card-body {
        grid-template-columns: 1fr;
    }

    .phone-mockup-wrap {
        display: none;
    }

    /* ── Sections ── */
    .section {
        padding: 36px 0;
    }

    .section-inner {
        padding: 0 16px;
    }

    .section-title {
        font-size: 22px;
        gap: 8px;
    }

    /* ── Solutions ── */
    .solutions-grid {
        grid-template-columns: repeat(2, 1fr);
        gap: 12px;
    }

    .solution-icon {
        width: 70px;
        height: 70px;
    }

    /* ── Tools ── */
    .tools-grid {
        grid-template-columns: 1fr;
        gap: 16px;
    }

    .tool-items {
        grid-template-columns: repeat(2, 1fr);
    }

    .tool-item-icon {
        width: 60px;
        height: 60px;
    }

    /* ── Why ── */
    .why-grid {
        grid-template-columns: 1fr 1fr;
        gap: 12px;
    }

    .why-section .section-inner {
        width: auto !important;
    }

    .why-section {
        padding: 28px 0;
    }

    /* ── CTA Banner ── */
    .cta-banner {
        border-radius: 0;
        margin-bottom: 0;
    }

    .cta-inner {
        grid-template-columns: 1fr;
        padding: 24px 20px;
        min-height: auto;
        gap: 0;
    }

    .cta-visual {
        display: none;
    }

    .cta-content {
        padding: 0;
        margin-left: 0;
    }

    .cta-amount {
        font-size: 28px;
    }

    .cta-rate {
        font-size: 14px;
    }

    .cta-features {
        gap: 12px;
    }

    .cta-feat {
        font-size: 13px;
    }

    .btn-cta {
        width: 100%;
        justify-content: center;
        padding: 13px 20px;
    }

    /* ── Testimonials ── */
    .testimonials-title {
        font-size: 22px;
    }

    .testimonials-grid {
        grid-template-columns: 1fr;
        gap: 16px;
    }

    /* ── Footer ── */
    .footer {
        padding: 36px 0 0;
    }

    .footer-inner {
        grid-template-columns: 1fr 1fr;
        gap: 24px;
        padding: 0 16px;
    }

    .footer-brand {
        grid-column: 1 / -1;
    }

    .footer-brand img {
        width: 180px !important;
        height: 44px !important;
    }

    .footer-newsletter {
        grid-column: 1 / -1;
    }

    .footer-bottom {
        flex-direction: column;
        gap: 10px;
        text-align: center;
        padding: 16px;
    }
}

@media (max-width: 420px) {
    .hero h1 {
        font-size: 26px;
    }

    .solutions-grid {
        grid-template-columns: repeat(2, 1fr);
    }

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

    .footer-inner {
        grid-template-columns: 1fr;
    }

    .tool-items {
        grid-template-columns: repeat(2, 1fr);
    }

    .amp-icon {
        right: -18px;
        height: 22px;
        width: 26px;
    }
}