:root {
  --ink: #071c33;
  --ink-soft: #16334d;
  --blue: #0782bc;
  --blue-bright: #20a7d8;
  --yellow: #ffd51f;
  --white: #ffffff;
  --mist: #eef5f7;
  --line: #cfdee4;
  --text: #173247;
  --muted: #5c7181;
  --max: 1180px;
  --shadow: 0 18px 50px rgba(3, 27, 48, 0.12);
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  color: var(--text);
  background: var(--white);
  font-family: Arial, Helvetica, sans-serif;
  font-size: 16px;
  line-height: 1.6;
}

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

a {
  color: inherit;
}

button,
a {
  -webkit-tap-highlight-color: transparent;
}

.skip-link {
  position: fixed;
  top: 10px;
  left: 10px;
  z-index: 100;
  padding: 10px 14px;
  color: var(--ink);
  background: var(--yellow);
  transform: translateY(-160%);
}

.skip-link:focus {
  transform: translateY(0);
}

.site-header {
  position: absolute;
  top: 0;
  left: 50%;
  z-index: 20;
  display: flex;
  width: min(calc(100% - 40px), var(--max));
  min-height: 92px;
  align-items: center;
  justify-content: space-between;
  transform: translateX(-50%);
}

.brand {
  display: inline-flex;
  align-items: center;
}

.brand img {
  width: 174px;
  height: auto;
}

.desktop-nav {
  display: flex;
  align-items: center;
  gap: 30px;
  color: var(--white);
  font-size: 14px;
  font-weight: 700;
}

.desktop-nav > a:not(.button) {
  text-decoration: none;
}

.desktop-nav > a:not(.button):hover,
.footer-links a:hover {
  color: var(--yellow);
}

.button {
  display: inline-flex;
  min-height: 50px;
  align-items: center;
  justify-content: center;
  border: 0;
  border-radius: 4px;
  padding: 13px 22px;
  font-size: 15px;
  font-weight: 800;
  line-height: 1.2;
  text-align: center;
  text-decoration: none;
  transition: transform 160ms ease, background 160ms ease, color 160ms ease;
}

.button:hover {
  transform: translateY(-2px);
}

.button-primary {
  color: var(--ink);
  background: var(--yellow);
}

.button-primary:hover {
  background: #ffe263;
}

.button-dark {
  color: var(--white);
  background: var(--ink);
}

.button-dark:hover {
  background: var(--ink-soft);
}

.button-small {
  min-height: 40px;
  padding: 10px 17px;
  font-size: 13px;
}

.menu-button,
.mobile-nav {
  display: none;
}

.hero {
  position: relative;
  display: grid;
  min-height: min(780px, 92vh);
  overflow: hidden;
  background:
    linear-gradient(90deg, rgba(7, 28, 51, 0.98) 0%, rgba(7, 28, 51, 0.95) 48%, rgba(9, 70, 102, 0.75) 78%, rgba(7, 28, 51, 0.8) 100%),
    url("/assets/business-growth.jpg") center / cover no-repeat;
}

.hero::after {
  position: absolute;
  right: -8%;
  bottom: -220px;
  width: 62%;
  height: 530px;
  border-top: 24px solid var(--yellow);
  background: rgba(7, 130, 188, 0.46);
  content: "";
  transform: rotate(-8deg);
}

.hero-text {
  z-index: 2;
  width: min(calc(100% - 40px), var(--max));
  margin: auto;
  padding: 145px 560px 96px 0;
  color: var(--white);
}

.eyebrow {
  margin: 0 0 14px;
  color: var(--blue);
  font-size: 12px;
  font-weight: 900;
  letter-spacing: 0;
  text-transform: uppercase;
}

.hero .eyebrow,
.process-band .eyebrow {
  color: var(--yellow);
}

h1,
h2,
h3 {
  margin-top: 0;
  color: var(--ink);
  line-height: 1.08;
  letter-spacing: 0;
}

h1 {
  margin-bottom: 24px;
  color: var(--white);
  font-size: clamp(44px, 6vw, 76px);
  font-weight: 800;
}

h2 {
  margin-bottom: 18px;
  font-size: clamp(32px, 4vw, 50px);
}

h3 {
  margin-bottom: 10px;
  font-size: 21px;
}

.hero-lead {
  max-width: 610px;
  margin: 0;
  color: #d7e6ed;
  font-size: 21px;
  line-height: 1.55;
}

.hero-actions {
  display: flex;
  margin-top: 32px;
  align-items: center;
  gap: 26px;
}

.text-link {
  color: var(--white);
  font-weight: 800;
  text-underline-offset: 5px;
}

.hero-points {
  display: flex;
  margin: 38px 0 0;
  padding: 0;
  flex-wrap: wrap;
  gap: 14px 24px;
  color: #d7e6ed;
  font-size: 14px;
  list-style: none;
}

.hero-points li::before {
  margin-right: 9px;
  color: var(--yellow);
  content: "✓";
  font-weight: 900;
}

.hero-person {
  position: absolute;
  z-index: 3;
  right: max(7vw, calc((100vw - var(--max)) / 2));
  bottom: 0;
  width: min(31vw, 390px);
  min-width: 290px;
  filter: drop-shadow(0 30px 35px rgba(0, 0, 0, 0.26));
}

.trust-band {
  position: relative;
  z-index: 5;
  display: grid;
  width: min(calc(100% - 40px), var(--max));
  margin: -38px auto 0;
  grid-template-columns: repeat(4, 1fr);
  border-radius: 6px;
  background: var(--white);
  box-shadow: var(--shadow);
}

.trust-band div {
  display: flex;
  min-height: 116px;
  padding: 24px;
  align-items: center;
  justify-content: center;
  flex-direction: column;
  text-align: center;
}

.trust-band div + div {
  border-left: 1px solid var(--line);
}

.trust-band strong {
  color: var(--ink);
  font-size: 24px;
  line-height: 1.2;
}

.trust-band span {
  margin-top: 6px;
  color: var(--muted);
  font-size: 13px;
}

.content-band {
  width: min(calc(100% - 40px), var(--max));
  margin: 0 auto;
  padding: 110px 0;
}

.section-heading {
  max-width: 720px;
  margin-bottom: 48px;
}

.section-heading > p:last-child {
  color: var(--muted);
  font-size: 18px;
}

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

.feature-card {
  min-height: 270px;
  border: 1px solid var(--line);
  border-radius: 6px;
  padding: 30px;
  background: var(--white);
}

.feature-card:nth-child(2) {
  border-top: 5px solid var(--yellow);
}

.feature-card:nth-child(3) {
  border-top: 5px solid var(--blue);
}

.feature-number {
  display: block;
  margin-bottom: 50px;
  color: var(--blue);
  font-size: 14px;
  font-weight: 900;
}

.feature-card p {
  margin-bottom: 0;
  color: var(--muted);
}

.image-band {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(0, 1fr);
  background: var(--yellow);
}

.image-band > img {
  width: 100%;
  height: 100%;
  min-height: 560px;
  object-fit: cover;
}

.image-band > div {
  display: flex;
  max-width: 650px;
  padding: 80px clamp(30px, 7vw, 100px);
  align-items: flex-start;
  justify-content: center;
  flex-direction: column;
}

.image-band .eyebrow {
  color: var(--ink);
}

.check-list {
  margin: 8px 0 30px;
  padding: 0;
  list-style: none;
}

.check-list li {
  margin: 12px 0;
}

.check-list li::before {
  margin-right: 10px;
  content: "✓";
  font-weight: 900;
}

.cash-buffer {
  display: grid;
  grid-template-columns: minmax(0, 0.8fr) minmax(0, 1.2fr);
  gap: 80px;
  align-items: start;
}

.cash-copy p:last-child {
  color: var(--muted);
  font-size: 18px;
}

.use-case-list {
  border-top: 1px solid var(--line);
}

.use-case-list div {
  display: grid;
  min-height: 78px;
  grid-template-columns: 50px 1fr;
  border-bottom: 1px solid var(--line);
  align-items: center;
}

.use-case-list span {
  color: var(--blue);
  font-size: 13px;
  font-weight: 900;
}

.use-case-list p {
  margin: 0;
  color: var(--ink);
  font-size: 18px;
  font-weight: 700;
}

.process-band {
  padding: 100px max(20px, calc((100vw - var(--max)) / 2));
  color: var(--white);
  background: var(--ink);
}

.section-heading.light h2,
.process-list h3 {
  color: var(--white);
}

.process-list {
  display: grid;
  margin: 0;
  padding: 0;
  grid-template-columns: repeat(3, 1fr);
  gap: 36px;
  list-style: none;
}

.process-list li {
  display: grid;
  grid-template-columns: 52px 1fr;
  gap: 18px;
}

.process-list li > span {
  display: flex;
  width: 44px;
  height: 44px;
  align-items: center;
  justify-content: center;
  border: 2px solid var(--yellow);
  border-radius: 50%;
  color: var(--yellow);
  font-weight: 900;
}

.process-list p {
  margin: 0;
  color: #bdced8;
}

.application-band {
  padding: 100px max(20px, calc((100vw - var(--max)) / 2));
  background: var(--mist);
}

.application-heading {
  max-width: 720px;
  margin-bottom: 36px;
}

.application-heading > p:last-child {
  color: var(--muted);
  font-size: 18px;
}

.application-frame {
  overflow: hidden;
  border: 1px solid var(--line);
  border-radius: 6px;
  background: var(--white);
  box-shadow: var(--shadow);
}

.application-frame iframe {
  display: block;
  border: 0;
}

.form-note {
  max-width: 820px;
  margin: 18px auto 0;
  color: var(--muted);
  font-size: 12px;
  text-align: center;
}

.site-footer {
  padding: 72px max(20px, calc((100vw - var(--max)) / 2)) 28px;
  color: #c7d7df;
  background: #031424;
}

.footer-main {
  display: grid;
  padding-bottom: 54px;
  grid-template-columns: 220px 1fr auto;
  gap: 50px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.14);
  align-items: center;
}

.footer-brand img {
  width: 190px;
}

.footer-main > p {
  max-width: 460px;
}

.footer-links {
  display: flex;
  flex-direction: column;
  gap: 8px;
  font-size: 14px;
}

.footer-links a {
  text-decoration: none;
}

.footer-legal {
  display: flex;
  padding-top: 25px;
  justify-content: space-between;
  gap: 30px;
  color: #8299a8;
  font-size: 12px;
}

.footer-legal p {
  margin: 0;
}

.page-hero {
  padding: 180px max(20px, calc((100vw - var(--max)) / 2)) 90px;
  color: var(--white);
  background:
    linear-gradient(90deg, rgba(7, 28, 51, 0.98), rgba(7, 28, 51, 0.78)),
    url("/assets/business-team.jpg") center / cover no-repeat;
}

.page-hero h1 {
  max-width: 820px;
  margin-bottom: 18px;
}

.page-hero > p:last-child {
  max-width: 680px;
  margin-bottom: 0;
  color: #d7e6ed;
  font-size: 19px;
}

.policy-hero {
  background:
    linear-gradient(90deg, rgba(7, 28, 51, 0.98), rgba(7, 28, 51, 0.8)),
    url("/assets/business-growth.jpg") center / cover no-repeat;
}

.contact-layout {
  display: grid;
  width: min(calc(100% - 40px), var(--max));
  min-height: 430px;
  margin: 0 auto;
  padding: 90px 0;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
}

.contact-primary,
.contact-address {
  display: flex;
  align-items: flex-start;
  justify-content: center;
  flex-direction: column;
}

.contact-primary {
  padding-right: 70px;
  border-right: 1px solid var(--line);
}

.contact-phone {
  margin-bottom: 14px;
  color: var(--ink);
  font-size: clamp(34px, 5vw, 56px);
  font-weight: 900;
  line-height: 1.1;
  text-decoration: none;
}

.contact-primary > p:not(.eyebrow) {
  max-width: 510px;
  color: var(--muted);
}

.contact-primary .button {
  margin-top: 18px;
}

.contact-address {
  font-style: normal;
}

.contact-address strong {
  color: var(--ink);
  font-size: 28px;
}

.contact-address span {
  color: var(--muted);
  font-size: 18px;
}

.policy-content {
  width: min(calc(100% - 40px), 840px);
  margin: 0 auto;
  padding: 90px 0 110px;
}

.policy-content h2 {
  margin-top: 42px;
  font-size: 26px;
}

.policy-content p {
  color: #435d70;
}

.policy-content a {
  color: #006b9f;
  font-weight: 700;
}

.status-page {
  display: grid;
  min-height: 100vh;
  place-items: center;
  padding: 30px;
  color: var(--white);
  background: var(--ink);
}

.status-page main {
  width: min(100%, 620px);
  text-align: center;
}

.status-logo {
  display: block;
  width: 190px;
  margin: 0 auto 52px;
}

.status-page h1 {
  font-size: clamp(40px, 7vw, 68px);
}

.status-page main > p:not(.eyebrow) {
  margin: 0 auto 28px;
  color: #c7d7df;
  font-size: 18px;
}

@media (max-width: 920px) {
  .desktop-nav {
    display: none;
  }

  .menu-button {
    display: inline-flex;
    width: 44px;
    height: 44px;
    align-items: center;
    justify-content: center;
    border: 1px solid rgba(255, 255, 255, 0.4);
    border-radius: 4px;
    flex-direction: column;
    gap: 5px;
    background: rgba(7, 28, 51, 0.72);
  }

  .menu-button span {
    width: 20px;
    height: 2px;
    background: var(--white);
  }

  .mobile-nav {
    position: absolute;
    top: 80px;
    right: 0;
    display: flex;
    width: min(300px, calc(100vw - 40px));
    border-radius: 6px;
    padding: 12px;
    flex-direction: column;
    color: var(--white);
    background: var(--ink);
    box-shadow: var(--shadow);
  }

  .mobile-nav[hidden] {
    display: none;
  }

  .mobile-nav a {
    padding: 12px 14px;
    font-weight: 700;
    text-decoration: none;
  }

  .hero {
    min-height: 790px;
  }

  .hero-text {
    padding: 145px 330px 180px 0;
  }

  .hero-person {
    right: -30px;
    width: 310px;
    min-width: 0;
  }

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

  .trust-band div:nth-child(3) {
    border-left: 0;
    border-top: 1px solid var(--line);
  }

  .trust-band div:nth-child(4) {
    border-top: 1px solid var(--line);
  }

  .feature-grid,
  .process-list {
    grid-template-columns: 1fr;
  }

  .feature-card {
    min-height: 0;
  }

  .feature-number {
    margin-bottom: 22px;
  }

  .cash-buffer {
    grid-template-columns: 1fr;
    gap: 40px;
  }

  .footer-main {
    grid-template-columns: 1fr;
    gap: 22px;
  }
}

@media (max-width: 680px) {
  .site-header {
    width: calc(100% - 30px);
    min-height: 80px;
  }

  .brand img {
    width: 146px;
  }

  .hero {
    min-height: 790px;
  }

  .hero::after {
    right: -35%;
    bottom: -260px;
    width: 100%;
  }

  .hero-text {
    width: calc(100% - 30px);
    margin: 0 auto;
    padding: 124px 0 340px;
  }

  h1 {
    font-size: 43px;
  }

  .hero-lead {
    font-size: 18px;
  }

  .hero-actions {
    align-items: flex-start;
    flex-direction: column;
    gap: 17px;
  }

  .hero-points {
    display: none;
  }

  .hero-person {
    right: 2%;
    width: 245px;
  }

  .trust-band {
    width: calc(100% - 30px);
  }

  .trust-band div {
    min-height: 100px;
    padding: 18px 10px;
  }

  .trust-band strong {
    font-size: 18px;
  }

  .content-band {
    width: calc(100% - 30px);
    padding: 78px 0;
  }

  .image-band {
    grid-template-columns: 1fr;
  }

  .image-band > img {
    min-height: 320px;
    max-height: 430px;
  }

  .image-band > div {
    padding: 65px 20px;
  }

  .process-band,
  .application-band {
    padding: 78px 15px;
  }

  .process-list li {
    grid-template-columns: 44px 1fr;
    gap: 14px;
  }

  .application-frame iframe {
    height: 820px;
  }

  .site-footer {
    padding-right: 15px;
    padding-left: 15px;
  }

  .footer-legal {
    flex-direction: column;
    gap: 8px;
  }

  .page-hero {
    padding: 142px 15px 70px;
  }

  .contact-layout {
    width: calc(100% - 30px);
    padding: 70px 0;
    grid-template-columns: 1fr;
    gap: 50px;
  }

  .contact-primary {
    padding: 0 0 50px;
    border-right: 0;
    border-bottom: 1px solid var(--line);
  }

  .contact-phone {
    font-size: 38px;
  }

  .policy-content {
    width: calc(100% - 30px);
    padding: 70px 0 90px;
  }
}

@media (prefers-reduced-motion: reduce) {
  html {
    scroll-behavior: auto;
  }

  .button {
    transition: none;
  }
}