/* =============================================
   KesefReturn — Design System
   Monochrome Plus: Deep Slate + Amber Accent
   ============================================= */

:root {
  /* Primary palette — deep slate-blue family */
  --bg:         #f4f5f7;
  --bg-alt:     #eceef2;
  --surface:    #ffffff;
  --surface-2:  #f8f9fb;
  --border:     #dde0e8;

  --text-primary:   #1a1d2e;
  --text-secondary: #4a4f6a;
  --text-muted:     #7a7f9a;
  --text-inverse:   #f4f5f7;

  --slate-100: #eceef2;
  --slate-200: #d4d8e4;
  --slate-300: #b0b6cc;
  --slate-500: #6b7299;
  --slate-700: #2e3454;
  --slate-800: #1e2340;
  --slate-900: #0f1220;

  /* Accent — warm amber */
  --accent:       #c8922a;
  --accent-light: #e8b254;
  --accent-dark:  #a07018;
  --accent-bg:    rgba(200, 146, 42, 0.08);

  /* Shadows */
  --shadow-sm:  0 1px 3px rgba(15,18,32,0.07), 0 1px 2px rgba(15,18,32,0.04);
  --shadow-md:  0 4px 12px rgba(15,18,32,0.10), 0 2px 4px rgba(15,18,32,0.06);
  --shadow-lg:  0 10px 30px rgba(15,18,32,0.12), 0 4px 8px rgba(15,18,32,0.07);
  --shadow-xl:  0 20px 50px rgba(15,18,32,0.15), 0 8px 16px rgba(15,18,32,0.08);

  /* Spacing */
  --space-xs:  0.5rem;
  --space-sm:  1rem;
  --space-md:  1.5rem;
  --space-lg:  2.5rem;
  --space-xl:  4rem;
  --space-2xl: 6rem;

  /* Radius */
  --radius-sm:  6px;
  --radius-md:  12px;
  --radius-lg:  20px;
  --radius-xl:  32px;

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

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

html { scroll-behavior: smooth; }

body {
  font-family: var(--font);
  background: var(--bg);
  color: var(--text-primary);
  line-height: 1.65;
  font-size: 16px;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
  min-height: 100vh;
  display: flex;
  flex-direction: column;
}

main { flex: 1; }

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

a { color: inherit; text-decoration: none; transition: color 0.2s ease, opacity 0.2s ease; }

/* =============================================
   TYPOGRAPHY
   ============================================= */

h1, h2, h3, h4, h5 {
  font-family: var(--font);
  font-weight: 700;
  line-height: 1.15;
  color: var(--text-primary);
  letter-spacing: -0.02em;
}

h1 { font-size: clamp(2.4rem, 6vw, 5rem); font-weight: 800; }
h2 { font-size: clamp(1.8rem, 3.5vw, 2.8rem); }
h3 { font-size: clamp(1.2rem, 2vw, 1.5rem); }
h4 { font-size: 1.1rem; font-weight: 600; }

em { font-style: normal; color: var(--accent); }

p { color: var(--text-secondary); line-height: 1.75; }

.text-link {
  color: var(--accent);
  text-decoration: underline;
  text-decoration-color: rgba(200,146,42,0.4);
  text-underline-offset: 2px;
  transition: text-decoration-color 0.2s;
}
.text-link:hover { text-decoration-color: var(--accent); }

/* =============================================
   LAYOUT
   ============================================= */

.container {
  width: 100%;
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 1.5rem;
}

.section {
  padding: var(--space-2xl) 0;
}

/* =============================================
   BUTTONS
   ============================================= */

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  padding: 0.75rem 1.75rem;
  border-radius: var(--radius-sm);
  font-family: var(--font);
  font-size: 0.95rem;
  font-weight: 600;
  cursor: pointer;
  border: 2px solid transparent;
  transition: all 0.25s cubic-bezier(0.4, 0, 0.2, 1);
  text-decoration: none;
  letter-spacing: 0.01em;
  min-height: 44px;
}

.btn-accent {
  background: var(--accent);
  color: #fff;
  border-color: var(--accent);
  box-shadow: 0 2px 8px rgba(200,146,42,0.25), 0 1px 2px rgba(200,146,42,0.15);
}
.btn-accent:hover {
  background: var(--accent-dark);
  border-color: var(--accent-dark);
  box-shadow: 0 6px 20px rgba(200,146,42,0.35), 0 2px 6px rgba(200,146,42,0.2);
  transform: translateY(-1px);
}

.btn-ghost {
  background: transparent;
  color: var(--slate-700);
  border-color: var(--border);
}
.btn-ghost:hover {
  background: var(--surface);
  border-color: var(--slate-300);
  box-shadow: var(--shadow-sm);
  transform: translateY(-1px);
}

.btn-lg {
  padding: 1rem 2.25rem;
  font-size: 1rem;
}

.btn-full { width: 100%; }

/* =============================================
   NAVIGATION
   ============================================= */

.nav {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  background: rgba(244, 245, 247, 0.92);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  border-bottom: 1px solid var(--border);
  transition: box-shadow 0.3s ease, background 0.3s ease;
}

.nav.scrolled {
  box-shadow: var(--shadow-md);
  background: rgba(244, 245, 247, 0.97);
}

.nav-inner {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 1.5rem;
  height: 72px;
  display: flex;
  align-items: center;
  gap: 2rem;
}

.nav-logo { display: flex; align-items: center; flex-shrink: 0; }
.nav-logo-img { height: 36px; width: auto; }

.nav-links {
  display: flex;
  align-items: center;
  gap: 0.25rem;
  list-style: none;
  margin-left: auto;
}

.nav-link {
  padding: 0.5rem 0.85rem;
  border-radius: var(--radius-sm);
  font-size: 0.9rem;
  font-weight: 500;
  color: var(--text-secondary);
  transition: color 0.2s, background 0.2s;
}
.nav-link:hover { color: var(--text-primary); background: var(--bg-alt); }
.nav-link.active { color: var(--text-primary); font-weight: 600; }

.nav-cta { margin-left: 1rem; flex-shrink: 0; }

.nav-burger {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 8px;
  margin-left: auto;
  min-height: 44px;
  min-width: 44px;
  align-items: center;
  justify-content: center;
}
.nav-burger span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--text-primary);
  border-radius: 2px;
  transition: all 0.3s ease;
}
.nav-burger.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-burger.open span:nth-child(2) { opacity: 0; }
.nav-burger.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

.nav-mobile-panel {
  display: none;
  position: fixed;
  top: 72px;
  left: 0;
  right: 0;
  bottom: 0;
  background: var(--bg);
  padding: 2rem 1.5rem;
  z-index: 999;
  overflow-y: auto;
  transform: translateX(100%);
  transition: transform 0.35s cubic-bezier(0.4, 0, 0.2, 1);
}
.nav-mobile-panel.open { transform: translateX(0); }

.nav-mobile-links {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
}
.nav-mobile-links a {
  display: block;
  padding: 1rem 1.25rem;
  font-size: 1.1rem;
  font-weight: 500;
  color: var(--text-primary);
  border-radius: var(--radius-md);
  transition: background 0.2s;
}
.nav-mobile-links a:hover { background: var(--bg-alt); }

/* =============================================
   HERO — HOMEPAGE
   ============================================= */

.hero {
  padding-top: 120px;
  padding-bottom: 0;
  background: var(--bg);
}

.hero-top {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 1.5rem;
  padding-bottom: 3rem;
}

.hero-eyebrow {
  display: inline-block;
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--accent);
  background: var(--accent-bg);
  padding: 0.4rem 1rem;
  border-radius: 100px;
  margin-bottom: 1.5rem;
}

.hero-heading {
  font-size: clamp(3rem, 7vw, 6rem);
  font-weight: 800;
  line-height: 1.05;
  letter-spacing: -0.03em;
  color: var(--text-primary);
  max-width: 800px;
}

.hero-image-strip {
  width: 100%;
  height: clamp(220px, 35vw, 480px);
  position: relative;
  overflow: hidden;
}

.hero-strip-img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center 30%;
  filter: brightness(0.82) saturate(0.7);
}

.hero-strip-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(
    to right,
    rgba(15,18,32,0.55) 0%,
    rgba(15,18,32,0.15) 50%,
    rgba(15,18,32,0.35) 100%
  );
}

.hero-strip-label {
  position: absolute;
  bottom: 1.5rem;
  left: 1.5rem;
  display: flex;
  gap: 0.75rem;
  flex-wrap: wrap;
}

.strip-tag {
  background: rgba(255,255,255,0.12);
  backdrop-filter: blur(8px);
  border: 1px solid rgba(255,255,255,0.2);
  color: rgba(255,255,255,0.9);
  font-size: 0.78rem;
  font-weight: 500;
  padding: 0.35rem 0.85rem;
  border-radius: 100px;
  letter-spacing: 0.04em;
}

.hero-bottom {
  max-width: 1200px;
  margin: 0 auto;
  padding: 3rem 1.5rem 5rem;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 1.5rem;
}

.hero-desc {
  font-size: clamp(1rem, 1.5vw, 1.2rem);
  color: var(--text-secondary);
  max-width: 680px;
  line-height: 1.8;
}

.hero-actions {
  display: flex;
  gap: 1rem;
  flex-wrap: wrap;
}

.hero-note {
  font-size: 0.82rem;
  color: var(--text-muted);
  border-left: 2px solid var(--accent);
  padding-left: 0.75rem;
}

/* =============================================
   PAGE HERO (inner pages)
   ============================================= */

.page-hero {
  padding-top: 100px;
  background: var(--bg);
}

.page-hero-inner {
  padding: 3rem 0 2.5rem;
  max-width: 760px;
}

.page-hero-title {
  font-size: clamp(2.4rem, 5vw, 4.5rem);
  font-weight: 800;
  letter-spacing: -0.03em;
  margin: 0.75rem 0 1.25rem;
}

.page-hero-desc {
  font-size: 1.1rem;
  color: var(--text-secondary);
  line-height: 1.8;
  max-width: 620px;
}

.page-hero-img-strip {
  width: 100%;
  height: clamp(180px, 28vw, 380px);
  overflow: hidden;
}

.page-strip-img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center 35%;
  filter: brightness(0.78) saturate(0.65);
}

.page-hero--short .page-hero-inner { padding-bottom: 3.5rem; }

/* =============================================
   SECTION HEADERS
   ============================================= */

.section-header {
  text-align: center;
  max-width: 680px;
  margin: 0 auto 4rem;
}

.section-eyebrow {
  display: inline-block;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--text-muted);
  margin-bottom: 0.75rem;
}

.section-title {
  font-size: clamp(1.8rem, 3.5vw, 2.8rem);
  font-weight: 800;
  letter-spacing: -0.025em;
  margin-bottom: 1rem;
}

.section-subtitle {
  font-size: 1.05rem;
  color: var(--text-secondary);
  line-height: 1.75;
}

/* =============================================
   BENTO GRID — INTRO
   ============================================= */

.bento-grid-intro {
  display: grid;
  grid-template-columns: 1.6fr 1fr;
  grid-template-rows: auto auto;
  gap: 1.25rem;
}

.bento-cell {
  border-radius: var(--radius-lg);
  overflow: hidden;
  transition: box-shadow 0.3s ease;
}

.bento-cell--wide {
  grid-column: 1;
  grid-row: 1;
  background: var(--surface);
  box-shadow: var(--shadow-md);
}

.bento-cell--accent {
  grid-column: 2;
  grid-row: 1;
  background: linear-gradient(135deg, var(--slate-800) 0%, var(--slate-900) 100%);
  box-shadow: var(--shadow-lg);
}

.bento-cell--image {
  grid-column: 1;
  grid-row: 2;
  position: relative;
  min-height: 260px;
  box-shadow: var(--shadow-md);
}

.bento-cell--dark {
  grid-column: 2;
  grid-row: 2;
  background: var(--slate-700);
  box-shadow: var(--shadow-md);
}

.bento-cell--neutral {
  grid-column: 1 / -1;
  background: var(--surface-2);
  border: 1px solid var(--border);
  box-shadow: var(--shadow-sm);
}

.bento-inner {
  padding: 2rem 2.25rem;
  height: 100%;
}

.bento-tag {
  display: inline-block;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--accent);
  margin-bottom: 1rem;
}

.bento-heading {
  font-size: clamp(1.3rem, 2vw, 1.8rem);
  font-weight: 700;
  color: var(--text-primary);
  margin-bottom: 1rem;
  letter-spacing: -0.02em;
}

.bento-text { font-size: 0.97rem; color: var(--text-secondary); line-height: 1.75; }

.bento-cell--accent .bento-text-sm,
.bento-cell--dark .bento-text-sm { color: rgba(255,255,255,0.7); }

.bento-cell--neutral .bento-text-sm { color: var(--text-secondary); }

.bento-text-sm { font-size: 0.9rem; line-height: 1.7; }

.bento-icon {
  width: 48px;
  height: 48px;
  border-radius: var(--radius-md);
  background: rgba(200,146,42,0.15);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1.25rem;
  font-size: 1.4rem;
  color: var(--accent-light);
}

.bento-cell--dark .bento-icon { background: rgba(255,255,255,0.1); }
.bento-cell--neutral .bento-icon { background: var(--accent-bg); color: var(--accent); }

.bento-subheading {
  font-size: 1.1rem;
  font-weight: 700;
  margin-bottom: 0.75rem;
  color: var(--text-inverse);
}
.bento-cell--neutral .bento-subheading { color: var(--text-primary); }

.bento-img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  min-height: 260px;
  filter: brightness(0.75) saturate(0.6);
}

.bento-img-label {
  position: absolute;
  bottom: 1rem;
  left: 1rem;
  right: 1rem;
  background: rgba(15,18,32,0.7);
  backdrop-filter: blur(8px);
  color: rgba(255,255,255,0.85);
  font-size: 0.8rem;
  font-weight: 500;
  padding: 0.5rem 1rem;
  border-radius: var(--radius-sm);
}

/* =============================================
   SERVICES GRID
   ============================================= */

.services-section { background: var(--bg-alt); }

.services-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1.5rem;
}

.service-card {
  background: var(--surface);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-md);
  transition: box-shadow 0.3s ease, transform 0.3s ease;
}
.service-card:hover {
  box-shadow: var(--shadow-xl);
}

.service-card-img-wrap {
  height: 200px;
  overflow: hidden;
}

.service-card-img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  filter: brightness(0.78) saturate(0.6);
  transition: transform 0.5s ease, filter 0.3s ease;
}
.service-card:hover .service-card-img {
  transform: scale(1.04);
  filter: brightness(0.82) saturate(0.7);
}

.service-card-body { padding: 1.75rem; }

.service-icon {
  width: 44px;
  height: 44px;
  background: var(--accent-bg);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--accent);
  font-size: 1.2rem;
  margin-bottom: 1rem;
  transition: background 0.2s, color 0.2s;
}
.service-card:hover .service-icon {
  background: var(--accent);
  color: #fff;
}

.service-title {
  font-size: 1.15rem;
  font-weight: 700;
  margin-bottom: 0.75rem;
  color: var(--text-primary);
}

.service-desc {
  font-size: 0.92rem;
  color: var(--text-secondary);
  line-height: 1.7;
  margin-bottom: 1.25rem;
}

.service-tags { display: flex; gap: 0.5rem; flex-wrap: wrap; }

.stag {
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--text-muted);
  background: var(--bg-alt);
  padding: 0.3rem 0.75rem;
  border-radius: 100px;
  border: 1px solid var(--border);
}

/* =============================================
   PROCESS PREVIEW
   ============================================= */

.process-preview { background: var(--slate-900); }

.process-preview-inner {
  display: grid;
  grid-template-columns: 1fr 1.4fr;
  gap: 5rem;
  align-items: center;
}

.process-preview-left .section-eyebrow { color: var(--accent-light); }
.process-preview-left .section-title { color: var(--text-inverse); }
.process-preview-left .section-title em { color: var(--accent-light); }
.process-preview-desc { color: rgba(255,255,255,0.65); margin-bottom: 2rem; }

.process-step {
  display: flex;
  gap: 1.5rem;
  padding: 1.5rem 0;
  border-bottom: 1px solid rgba(255,255,255,0.07);
  align-items: flex-start;
}
.process-step:last-child { border-bottom: none; }

.process-step-num {
  font-size: 2rem;
  font-weight: 800;
  color: rgba(200,146,42,0.3);
  line-height: 1;
  flex-shrink: 0;
  width: 52px;
  letter-spacing: -0.04em;
}

.process-step-title {
  font-size: 1rem;
  font-weight: 700;
  color: var(--text-inverse);
  margin-bottom: 0.4rem;
}

.process-step-desc { font-size: 0.88rem; color: rgba(255,255,255,0.55); line-height: 1.65; }

/* =============================================
   FRAUD TYPES
   ============================================= */

.fraud-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
}

.fraud-item {
  background: var(--surface);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--border);
  transition: box-shadow 0.3s, transform 0.3s;
}
.fraud-item:hover {
  box-shadow: var(--shadow-lg);
  transform: translateY(-3px);
}

.fraud-item-img { height: 180px; overflow: hidden; }
.fraud-img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  filter: brightness(0.75) saturate(0.55);
  transition: transform 0.4s ease;
}
.fraud-item:hover .fraud-img { transform: scale(1.05); }

.fraud-item-body { padding: 1.5rem; }

.fraud-title {
  font-size: 1.05rem;
  font-weight: 700;
  margin-bottom: 0.65rem;
  color: var(--text-primary);
}

.fraud-desc { font-size: 0.88rem; color: var(--text-secondary); line-height: 1.7; }

/* =============================================
   MINIMAL CTA
   ============================================= */

.cta-minimal { background: var(--bg-alt); }

.cta-minimal-inner {
  text-align: center;
  max-width: 680px;
  margin: 0 auto;
  padding: 3rem 0;
}

.cta-minimal-heading {
  font-size: clamp(1.8rem, 3.5vw, 2.8rem);
  font-weight: 800;
  letter-spacing: -0.025em;
  margin: 0.75rem 0 1.25rem;
  color: var(--text-primary);
}

.cta-minimal-sub {
  font-size: 1rem;
  color: var(--text-secondary);
  line-height: 1.75;
  margin-bottom: 2rem;
}

/* =============================================
   CONTACT CARDS
   ============================================= */

.contact-cards-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
}

.contact-card {
  background: var(--surface);
  border-radius: var(--radius-lg);
  padding: 2rem 1.75rem;
  text-align: center;
  box-shadow: var(--shadow-md);
  border: 1px solid var(--border);
  transition: box-shadow 0.3s, transform 0.3s;
}
.contact-card:hover { box-shadow: var(--shadow-xl); }

.contact-card-icon {
  width: 56px;
  height: 56px;
  background: var(--accent-bg);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 1.25rem;
  font-size: 1.4rem;
  color: var(--accent);
  transition: background 0.25s, color 0.25s;
}
.contact-card:hover .contact-card-icon {
  background: var(--accent);
  color: #fff;
}

.contact-card-title {
  font-size: 1rem;
  font-weight: 700;
  margin-bottom: 0.5rem;
  color: var(--text-primary);
}

.contact-card-value {
  display: block;
  font-size: 1rem;
  font-weight: 600;
  color: var(--accent);
  margin-bottom: 0.5rem;
  transition: color 0.2s;
}
.contact-card-value:hover { color: var(--accent-dark); }

.contact-card-note { font-size: 0.82rem; color: var(--text-muted); }

/* =============================================
   PROCESS — FULL PAGE
   ============================================= */

.process-full { max-width: 860px; margin: 0 auto; }

.process-full-step {
  display: grid;
  grid-template-columns: 80px 1fr;
  gap: 2rem;
  padding: 3rem 0;
  border-bottom: 1px solid var(--border);
  align-items: flex-start;
}
.process-full-step:last-child { border-bottom: none; }

.pfs-num {
  font-size: 3.5rem;
  font-weight: 800;
  color: var(--slate-200);
  line-height: 1;
  letter-spacing: -0.04em;
  padding-top: 0.25rem;
}

.pfs-title {
  font-size: 1.5rem;
  font-weight: 700;
  margin-bottom: 1rem;
  color: var(--text-primary);
}

.pfs-desc {
  font-size: 0.97rem;
  color: var(--text-secondary);
  line-height: 1.8;
  margin-bottom: 1rem;
}
.pfs-desc:last-child { margin-bottom: 0; }

.pfs-note {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  background: var(--accent-bg);
  border: 1px solid rgba(200,146,42,0.2);
  border-radius: var(--radius-md);
  padding: 1rem 1.25rem;
  font-size: 0.88rem;
  color: var(--text-secondary);
  margin-top: 1.25rem;
}
.pfs-note i { color: var(--accent); margin-top: 0.1rem; flex-shrink: 0; }

.pfs-strategy-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1.25rem;
  margin-top: 1.25rem;
}

.pfs-strategy-item {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 1.25rem;
  box-shadow: var(--shadow-sm);
}

.pfs-si-icon {
  width: 40px;
  height: 40px;
  background: var(--accent-bg);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--accent);
  font-size: 1.1rem;
  margin-bottom: 0.75rem;
}

.pfs-strategy-item h4 { font-size: 0.97rem; font-weight: 700; margin-bottom: 0.5rem; }
.pfs-strategy-item p { font-size: 0.85rem; color: var(--text-secondary); line-height: 1.65; }

/* =============================================
   PAYMENT TYPES
   ============================================= */

.payment-types-section { background: var(--bg-alt); }

.payment-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
}

.payment-card {
  background: var(--surface);
  border-radius: var(--radius-lg);
  padding: 2rem;
  box-shadow: var(--shadow-md);
  border: 1px solid var(--border);
  transition: box-shadow 0.3s, transform 0.3s;
}
.payment-card:hover { box-shadow: var(--shadow-xl); transform: translateY(-3px); }

.payment-icon {
  width: 52px;
  height: 52px;
  background: var(--accent-bg);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.4rem;
  color: var(--accent);
  margin-bottom: 1.25rem;
  transition: background 0.25s, color 0.25s;
}
.payment-card:hover .payment-icon { background: var(--accent); color: #fff; }

.payment-card h3 { font-size: 1.1rem; font-weight: 700; margin-bottom: 0.75rem; }
.payment-card p { font-size: 0.9rem; color: var(--text-secondary); line-height: 1.7; }

/* =============================================
   CONTENT TWO-COL (inner pages)
   ============================================= */

.content-two-col {
  display: grid;
  grid-template-columns: 1fr 320px;
  gap: 3rem;
  align-items: flex-start;
}

.content-main { min-width: 0; }

.content-block {
  margin-bottom: 3rem;
  padding-bottom: 3rem;
  border-bottom: 1px solid var(--border);
}
.content-block:last-child { border-bottom: none; margin-bottom: 0; padding-bottom: 0; }

.content-block h2 {
  font-size: 1.6rem;
  font-weight: 700;
  margin-bottom: 1.25rem;
  color: var(--text-primary);
}

.content-block p {
  font-size: 0.97rem;
  color: var(--text-secondary);
  line-height: 1.8;
  margin-bottom: 1rem;
}
.content-block p:last-child { margin-bottom: 0; }

.content-list {
  list-style: none;
  padding: 0;
  margin: 1rem 0;
}
.content-list li {
  padding: 0.5rem 0 0.5rem 1.5rem;
  position: relative;
  font-size: 0.95rem;
  color: var(--text-secondary);
  line-height: 1.7;
  border-bottom: 1px solid var(--border);
}
.content-list li:last-child { border-bottom: none; }
.content-list li::before {
  content: '';
  position: absolute;
  left: 0;
  top: 50%;
  transform: translateY(-50%);
  width: 6px;
  height: 6px;
  background: var(--accent);
  border-radius: 50%;
}

/* Signs list */
.signs-list { display: flex; flex-direction: column; gap: 1.25rem; margin-top: 1.25rem; }

.sign-item {
  display: flex;
  gap: 1rem;
  background: var(--surface);
  border-radius: var(--radius-md);
  padding: 1.25rem;
  border: 1px solid var(--border);
  box-shadow: var(--shadow-sm);
}

.sign-icon { color: #c0392b; font-size: 1.1rem; flex-shrink: 0; margin-top: 0.15rem; }

.sign-content h4 { font-size: 0.97rem; font-weight: 700; margin-bottom: 0.4rem; }
.sign-content p { font-size: 0.87rem; color: var(--text-secondary); line-height: 1.65; margin: 0; }

/* Action steps */
.action-steps { display: flex; flex-direction: column; gap: 1rem; margin-top: 1.25rem; }

.action-step {
  display: flex;
  gap: 1rem;
  align-items: flex-start;
}

.action-num {
  width: 32px;
  height: 32px;
  background: var(--slate-800);
  color: #fff;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.82rem;
  font-weight: 700;
  flex-shrink: 0;
}

.action-step p { font-size: 0.92rem; color: var(--text-secondary); line-height: 1.7; margin: 0; padding-top: 0.35rem; }

/* Sidebar */
.content-sidebar { position: sticky; top: 100px; display: flex; flex-direction: column; gap: 1.25rem; }

.sidebar-card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 1.5rem;
  box-shadow: var(--shadow-sm);
}

.sidebar-card--dark {
  background: var(--slate-800);
  border-color: var(--slate-700);
}
.sidebar-card--dark .sidebar-card-title { color: var(--text-inverse); }
.sidebar-card--dark p { color: rgba(255,255,255,0.65); }
.sidebar-card--dark .sidebar-icon { color: var(--accent-light); font-size: 2rem; margin-bottom: 1rem; }

.sidebar-card--accent {
  background: var(--accent-bg);
  border-color: rgba(200,146,42,0.25);
}

.sidebar-card-title {
  font-size: 1rem;
  font-weight: 700;
  margin-bottom: 0.75rem;
  color: var(--text-primary);
}

.sidebar-card p { font-size: 0.88rem; color: var(--text-secondary); line-height: 1.7; }

.sidebar-list { list-style: none; display: flex; flex-direction: column; gap: 0.5rem; }
.sidebar-list li {
  display: flex;
  align-items: center;
  gap: 0.6rem;
  font-size: 0.9rem;
  color: var(--text-secondary);
  padding: 0.4rem 0;
  border-bottom: 1px solid var(--border);
}
.sidebar-list li:last-child { border-bottom: none; }
.sidebar-list li i { color: var(--accent); font-size: 0.85rem; flex-shrink: 0; }
.sidebar-list a { color: var(--text-secondary); transition: color 0.2s; }
.sidebar-list a:hover { color: var(--accent); }

/* =============================================
   PROTECTION GRID (Confidentiality page)
   ============================================= */

.protection-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1.25rem;
  margin-top: 1.25rem;
}

.protection-item {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 1.5rem;
  box-shadow: var(--shadow-sm);
}

.protection-icon {
  width: 44px;
  height: 44px;
  background: var(--accent-bg);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--accent);
  font-size: 1.1rem;
  margin-bottom: 1rem;
}

.protection-item h4 { font-size: 0.97rem; font-weight: 700; margin-bottom: 0.5rem; }
.protection-item p { font-size: 0.87rem; color: var(--text-secondary); line-height: 1.65; margin: 0; }

/* =============================================
   CONTACT PAGE
   ============================================= */

.contact-layout {
  display: grid;
  grid-template-columns: 1.2fr 1fr;
  gap: 3rem;
  align-items: flex-start;
}

.form-card {
  background: var(--surface);
  border-radius: var(--radius-xl);
  padding: 2.5rem;
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--border);
}

.form-title { font-size: 1.6rem; font-weight: 700; margin-bottom: 0.5rem; }
.form-subtitle { font-size: 0.88rem; color: var(--text-muted); margin-bottom: 2rem; }

.form-group { margin-bottom: 1.25rem; }

.form-label {
  display: block;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--text-primary);
  margin-bottom: 0.5rem;
  letter-spacing: 0.01em;
}

.form-input {
  width: 100%;
  padding: 0.85rem 1rem;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-sm);
  font-family: var(--font);
  font-size: 0.95rem;
  color: var(--text-primary);
  background: var(--bg);
  transition: border-color 0.2s, box-shadow 0.2s;
  outline: none;
  min-height: 44px;
}
.form-input:focus {
  border-color: var(--accent);
  box-shadow: 0 0 0 3px rgba(200,146,42,0.12);
  background: var(--surface);
}
.form-input::placeholder { color: var(--text-muted); }

.form-textarea {
  resize: vertical;
  min-height: 130px;
}

.form-checkbox-group { display: flex; align-items: flex-start; gap: 0.75rem; }

.form-checkbox-label {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  cursor: pointer;
}
.form-checkbox-label input[type="checkbox"] {
  width: 18px;
  height: 18px;
  accent-color: var(--accent);
  flex-shrink: 0;
  margin-top: 0.15rem;
  cursor: pointer;
}
.form-checkbox-text { font-size: 0.83rem; color: var(--text-secondary); line-height: 1.6; }

.contact-info-cards { display: flex; flex-direction: column; gap: 1rem; margin-bottom: 1.5rem; }

.contact-info-card {
  display: flex;
  align-items: flex-start;
  gap: 1.25rem;
  background: var(--surface);
  border-radius: var(--radius-md);
  padding: 1.25rem 1.5rem;
  border: 1px solid var(--border);
  box-shadow: var(--shadow-sm);
  transition: box-shadow 0.25s;
}
.contact-info-card:hover { box-shadow: var(--shadow-md); }

.cic-icon {
  width: 44px;
  height: 44px;
  background: var(--accent-bg);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--accent);
  font-size: 1.1rem;
  flex-shrink: 0;
  transition: background 0.25s, color 0.25s;
}
.contact-info-card:hover .cic-icon { background: var(--accent); color: #fff; }

.cic-content h3 { font-size: 0.88rem; font-weight: 700; margin-bottom: 0.3rem; }
.cic-content a, .cic-content span {
  display: block;
  font-size: 0.97rem;
  font-weight: 600;
  color: var(--text-primary);
  margin-bottom: 0.25rem;
}
.cic-content a:hover { color: var(--accent); }
.cic-content p { font-size: 0.8rem; color: var(--text-muted); margin: 0; }

.contact-note {
  display: flex;
  align-items: flex-start;
  gap: 1rem;
  background: var(--accent-bg);
  border: 1px solid rgba(200,146,42,0.2);
  border-radius: var(--radius-md);
  padding: 1.25rem;
}
.contact-note-icon { color: var(--accent); font-size: 1.4rem; flex-shrink: 0; }
.contact-note h4 { font-size: 0.9rem; font-weight: 700; margin-bottom: 0.4rem; }
.contact-note p { font-size: 0.83rem; color: var(--text-secondary); line-height: 1.6; margin: 0; }

.map-section { background: var(--bg-alt); }
.map-header { margin-bottom: 2rem; }
.map-header p { color: var(--text-muted); font-size: 0.9rem; margin-top: 0.5rem; }
.map-wrap { border-radius: var(--radius-lg); overflow: hidden; box-shadow: var(--shadow-lg); }

/* =============================================
   THANKS PAGE
   ============================================= */

.thanks-main {
  display: flex;
  align-items: center;
  justify-content: center;
  min-height: calc(100vh - 200px);
  padding: 5rem 1.5rem;
}

.thanks-inner {
  text-align: center;
  max-width: 560px;
}

.thanks-icon {
  font-size: 4rem;
  color: var(--accent);
  margin-bottom: 1.5rem;
}

.thanks-title {
  font-size: clamp(2rem, 4vw, 3rem);
  font-weight: 800;
  margin-bottom: 1.25rem;
  color: var(--text-primary);
}

.thanks-desc {
  font-size: 1.05rem;
  color: var(--text-secondary);
  line-height: 1.8;
  margin-bottom: 1rem;
}

.thanks-note {
  font-size: 0.85rem;
  color: var(--text-muted);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 0.75rem 1.25rem;
  margin-bottom: 2.5rem;
  display: inline-block;
}

.thanks-actions { display: flex; gap: 1rem; justify-content: center; flex-wrap: wrap; }

/* =============================================
   LEGAL PAGES
   ============================================= */

.legal-page { padding-top: 100px; padding-bottom: var(--space-2xl); }

.legal-header {
  padding: 3rem 0 2.5rem;
  border-bottom: 1px solid var(--border);
  margin-bottom: 3rem;
}

.legal-title { font-size: clamp(2rem, 4vw, 3rem); font-weight: 800; margin-bottom: 0.5rem; }
.legal-date { font-size: 0.85rem; color: var(--text-muted); }

.legal-content { max-width: 800px; }

.legal-content h2 {
  font-size: 1.35rem;
  font-weight: 700;
  margin: 2.5rem 0 1rem;
  color: var(--text-primary);
  padding-top: 1rem;
  border-top: 1px solid var(--border);
}
.legal-content h2:first-child { border-top: none; margin-top: 0; }

.legal-content h3 {
  font-size: 1.05rem;
  font-weight: 700;
  margin: 1.5rem 0 0.75rem;
  color: var(--text-primary);
}

.legal-content p {
  font-size: 0.95rem;
  color: var(--text-secondary);
  line-height: 1.8;
  margin-bottom: 1rem;
}

.legal-content ul {
  list-style: none;
  padding: 0;
  margin: 0.75rem 0 1rem;
}
.legal-content ul li {
  padding: 0.4rem 0 0.4rem 1.5rem;
  position: relative;
  font-size: 0.93rem;
  color: var(--text-secondary);
  line-height: 1.7;
}
.legal-content ul li::before {
  content: '';
  position: absolute;
  left: 0;
  top: 50%;
  transform: translateY(-50%);
  width: 5px;
  height: 5px;
  background: var(--accent);
  border-radius: 50%;
}

/* =============================================
   FOOTER
   ============================================= */

.footer {
  background: var(--slate-900);
  color: rgba(255,255,255,0.7);
  margin-top: auto;
}

.footer-top {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1fr;
  gap: 3rem;
  padding: 4rem 0 3rem;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}

.footer-logo { height: 32px; width: auto; filter: brightness(0) invert(1); opacity: 0.9; margin-bottom: 1rem; }

.footer-tagline { font-size: 0.85rem; color: rgba(255,255,255,0.5); line-height: 1.7; max-width: 280px; }

.footer-col-title {
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.4);
  margin-bottom: 1.25rem;
}

.footer-links { list-style: none; display: flex; flex-direction: column; gap: 0.6rem; }
.footer-links a, .footer-links span {
  font-size: 0.88rem;
  color: rgba(255,255,255,0.6);
  transition: color 0.2s;
  display: flex;
  align-items: center;
  gap: 0.5rem;
}
.footer-links a:hover { color: rgba(255,255,255,0.9); }
.footer-links i { font-size: 0.8rem; color: var(--accent-light); }

.footer-bottom {
  padding: 2rem 0;
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
}

.footer-copy { font-size: 0.82rem; color: rgba(255,255,255,0.35); }
.footer-disclaimer { font-size: 0.78rem; color: rgba(255,255,255,0.25); line-height: 1.6; max-width: 800px; }

/* =============================================
   COOKIE CONSENT
   ============================================= */

.cookie-banner {
  position: fixed;
  bottom: 1.5rem;
  left: 1.5rem;
  right: 1.5rem;
  max-width: 520px;
  background: var(--slate-900);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: var(--radius-lg);
  padding: 1.5rem 1.75rem;
  z-index: 9999;
  box-shadow: var(--shadow-xl);
  transform: translateY(120%);
  transition: transform 0.4s cubic-bezier(0.4, 0, 0.2, 1);
}

.cookie-banner.visible { transform: translateY(0); }

.cookie-banner-title {
  font-size: 0.97rem;
  font-weight: 700;
  color: #fff;
  margin-bottom: 0.5rem;
}

.cookie-banner-text {
  font-size: 0.82rem;
  color: rgba(255,255,255,0.6);
  line-height: 1.65;
  margin-bottom: 1.25rem;
}
.cookie-banner-text a { color: var(--accent-light); text-decoration: underline; }

.cookie-banner-actions {
  display: flex;
  gap: 0.75rem;
  flex-wrap: wrap;
}

.cookie-btn {
  padding: 0.6rem 1.25rem;
  border-radius: var(--radius-sm);
  font-size: 0.82rem;
  font-weight: 600;
  cursor: pointer;
  border: 1.5px solid transparent;
  transition: all 0.2s ease;
  font-family: var(--font);
  min-height: 44px;
}

.cookie-btn-accept {
  background: var(--accent);
  color: #fff;
  border-color: var(--accent);
}
.cookie-btn-accept:hover { background: var(--accent-dark); }

.cookie-btn-reject {
  background: transparent;
  color: rgba(255,255,255,0.7);
  border-color: rgba(255,255,255,0.2);
}
.cookie-btn-reject:hover { border-color: rgba(255,255,255,0.5); color: #fff; }

.cookie-btn-customize {
  background: transparent;
  color: rgba(255,255,255,0.5);
  border-color: transparent;
  padding-left: 0;
  padding-right: 0;
  text-decoration: underline;
  text-decoration-color: rgba(255,255,255,0.2);
}
.cookie-btn-customize:hover { color: rgba(255,255,255,0.8); }

/* Cookie modal */
.cookie-modal-overlay {
  position: fixed;
  inset: 0;
  background: rgba(15,18,32,0.75);
  z-index: 10000;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 1.5rem;
  opacity: 0;
  pointer-events: none;
  transition: opacity 0.3s;
}
.cookie-modal-overlay.visible { opacity: 1; pointer-events: all; }

.cookie-modal {
  background: var(--surface);
  border-radius: var(--radius-xl);
  padding: 2rem;
  max-width: 500px;
  width: 100%;
  box-shadow: var(--shadow-xl);
}

.cookie-modal h3 { font-size: 1.2rem; font-weight: 700; margin-bottom: 1.25rem; }

.cookie-category {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  gap: 1rem;
  padding: 1rem 0;
  border-bottom: 1px solid var(--border);
}
.cookie-category:last-of-type { border-bottom: none; }

.cookie-category-info h4 { font-size: 0.9rem; font-weight: 700; margin-bottom: 0.25rem; }
.cookie-category-info p { font-size: 0.8rem; color: var(--text-muted); line-height: 1.55; margin: 0; }

.cookie-toggle {
  position: relative;
  width: 44px;
  height: 24px;
  flex-shrink: 0;
}
.cookie-toggle input { opacity: 0; width: 0; height: 0; }
.cookie-toggle-slider {
  position: absolute;
  inset: 0;
  background: var(--border);
  border-radius: 100px;
  cursor: pointer;
  transition: background 0.25s;
}
.cookie-toggle-slider::before {
  content: '';
  position: absolute;
  width: 18px;
  height: 18px;
  background: #fff;
  border-radius: 50%;
  top: 3px;
  left: 3px;
  transition: transform 0.25s;
  box-shadow: 0 1px 3px rgba(0,0,0,0.2);
}
.cookie-toggle input:checked + .cookie-toggle-slider { background: var(--accent); }
.cookie-toggle input:checked + .cookie-toggle-slider::before { transform: translateX(20px); }
.cookie-toggle input:disabled + .cookie-toggle-slider { opacity: 0.5; cursor: not-allowed; }

.cookie-modal-actions {
  display: flex;
  gap: 0.75rem;
  margin-top: 1.5rem;
  flex-wrap: wrap;
}

/* =============================================
   SCROLL REVEAL
   ============================================= */

.reveal {
  opacity: 0;
  transform: translateY(28px);
  transition: opacity 0.65s cubic-bezier(0.4, 0, 0.2, 1), transform 0.65s cubic-bezier(0.4, 0, 0.2, 1);
}
.reveal.revealed {
  opacity: 1;
  transform: translateY(0);
}

/* =============================================
   RESPONSIVE
   ============================================= */

@media (max-width: 1024px) {
  .bento-grid-intro {
    grid-template-columns: 1fr 1fr;
  }
  .bento-cell--neutral { grid-column: 1 / -1; }

  .footer-top { grid-template-columns: 1fr 1fr; gap: 2rem; }
  .footer-brand { grid-column: 1 / -1; }

  .process-preview-inner { grid-template-columns: 1fr; gap: 3rem; }

  .content-two-col { grid-template-columns: 1fr; }
  .content-sidebar { position: static; }

  .contact-layout { grid-template-columns: 1fr; }
}

@media (max-width: 768px) {
  .nav-links, .nav-cta { display: none; }
  .nav-burger { display: flex; }
  .nav-mobile-panel { display: block; height: fit-content; }

  .hero-heading { font-size: clamp(2.4rem, 8vw, 4rem); }

  .bento-grid-intro {
    grid-template-columns: 1fr;
  }
  .bento-cell--wide,
  .bento-cell--accent,
  .bento-cell--image,
  .bento-cell--dark,
  .bento-cell--neutral {
    grid-column: 1;
    grid-row: auto;
  }

  .services-grid { grid-template-columns: 1fr; }
  .fraud-grid { grid-template-columns: 1fr; }
  .contact-cards-grid { grid-template-columns: 1fr; }
  .payment-grid { grid-template-columns: 1fr; }
  .pfs-strategy-grid { grid-template-columns: 1fr; }
  .protection-grid { grid-template-columns: 1fr; }

  .process-full-step { grid-template-columns: 1fr; gap: 1rem; }
  .pfs-num { font-size: 2rem; }

  .footer-top { grid-template-columns: 1fr; gap: 2rem; }
  .footer-brand { grid-column: 1; }

  .hero-actions { flex-direction: column; }
  .hero-actions .btn { width: 100%; }

  .thanks-actions { flex-direction: column; }
  .thanks-actions .btn { width: 100%; }

  .cookie-banner { left: 1rem; right: 1rem; bottom: 1rem; }
  .cookie-banner-actions { flex-direction: column; }
  .cookie-btn { width: 100%; text-align: center; }

  .section { padding: var(--space-xl) 0; }
}

@media (max-width: 480px) {
  .container { padding: 0 1rem; }
  .hero-top, .hero-bottom { padding-left: 1rem; padding-right: 1rem; }
  .form-card { padding: 1.5rem; }
  .cookie-modal { padding: 1.5rem; }
}