/* === RESET & BASE === */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --bg: #FAFAF6;
  --fg: #1A1A18;
  --accent: #2C7A4B;
  --accent-light: #4A7C59;
  --gold: #C8963E;
  --gold-light: #D4AC4A;
  --muted: #7A7A72;
  --surface: #F0EFE6;
  --border: #D8D8CC;
  --font-display: 'Fraunces', Georgia, serif;
  --font-body: 'DM Sans', system-ui, sans-serif;
}

html { scroll-behavior: smooth; }
body {
  background: var(--bg);
  color: var(--fg);
  font-family: var(--font-body);
  font-size: 16px;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

/* === NAV === */
.nav {
  position: sticky;
  top: 0;
  z-index: 100;
  padding: 20px 48px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  background: rgba(250, 250, 246, 0.92);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--border);
}
.nav-brand { display: flex; align-items: center; gap: 10px; }
.nav-logo { width: 28px; height: 28px; }
.nav-name { font-family: var(--font-display); font-weight: 700; font-size: 18px; color: var(--fg); }
.nav-actions { display: flex; align-items: center; gap: 16px; }
.nav-link {
  font-size: 14px;
  font-weight: 500;
  color: var(--muted);
  text-decoration: none;
  transition: color 0.2s;
}
.nav-link:hover { color: var(--fg); }
.nav-cta {
  font-size: 14px;
  font-weight: 600;
  color: white;
  background: var(--accent);
  padding: 9px 20px;
  border-radius: 8px;
  text-decoration: none;
  transition: background 0.2s;
}
.nav-cta:hover { background: var(--accent-light); }

/* === HERO === */
.hero {
  position: relative;
  overflow: hidden;
  padding: 96px 48px 80px;
  min-height: 90vh;
  display: flex;
  align-items: center;
}
.hero-bg {
  position: absolute;
  inset: 0;
  pointer-events: none;
}
.hero-orb {
  position: absolute;
  border-radius: 50%;
  filter: blur(80px);
  opacity: 0.45;
}
.hero-orb-1 {
  width: 600px; height: 600px;
  background: radial-gradient(circle, #D4AC4A 0%, transparent 70%);
  top: -100px; right: -100px;
}
.hero-orb-2 {
  width: 500px; height: 500px;
  background: radial-gradient(circle, #2C7A4B 0%, transparent 70%);
  bottom: -80px; left: -80px;
  opacity: 0.2;
}
.hero-orb-3 {
  width: 300px; height: 300px;
  background: radial-gradient(circle, #C8963E 0%, transparent 70%);
  top: 40%; left: 40%;
  opacity: 0.15;
}
.hero-grid {
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(var(--border) 1px, transparent 1px),
    linear-gradient(90deg, var(--border) 1px, transparent 1px);
  background-size: 60px 60px;
  opacity: 0.3;
  mask-image: radial-gradient(ellipse 80% 80% at 50% 50%, black 30%, transparent 80%);
}
.hero-content {
  position: relative;
  max-width: 960px;
  margin: 0 auto;
  width: 100%;
}
.hero-eyebrow {
  font-size: 12px;
  font-weight: 500;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--accent);
  margin-bottom: 20px;
}
.hero-headline {
  font-family: var(--font-display);
  font-size: clamp(42px, 6vw, 72px);
  font-weight: 700;
  line-height: 1.08;
  letter-spacing: -0.02em;
  color: var(--fg);
  margin-bottom: 24px;
}
.hero-lede {
  font-size: 18px;
  color: var(--muted);
  max-width: 580px;
  line-height: 1.65;
  margin-bottom: 52px;
}
.hero-agents {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 16px;
  max-width: 680px;
}
.agent-card {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 16px 20px;
  background: white;
  border: 1px solid var(--border);
  border-radius: 12px;
  box-shadow: 0 2px 12px rgba(0,0,0,0.05);
}
.agent-icon { flex-shrink: 0; width: 40px; height: 40px; }
.agent-icon svg { width: 40px; height: 40px; }
.agent-info { display: flex; flex-direction: column; gap: 2px; }
.agent-name { font-weight: 600; font-size: 14px; color: var(--fg); }
.agent-desc { font-size: 12px; color: var(--muted); line-height: 1.4; }
.hero-cta-row {
  display: flex;
  align-items: center;
  gap: 24px;
  margin-bottom: 52px;
}
.hero-cta-primary {
  font-size: 16px;
  font-weight: 600;
  color: white;
  background: var(--accent);
  padding: 14px 28px;
  border-radius: 10px;
  text-decoration: none;
  transition: background 0.2s;
  display: inline-block;
}
.hero-cta-primary:hover { background: var(--accent-light); }
.hero-cta-secondary {
  font-size: 15px;
  font-weight: 500;
  color: var(--muted);
  text-decoration: none;
  transition: color 0.2s;
}
.hero-cta-secondary:hover { color: var(--fg); }

/* === SECTION COMMON === */
.section-header { text-align: center; max-width: 680px; margin: 0 auto 64px; }
.section-eyebrow {
  font-size: 11px;
  font-weight: 500;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 14px;
}
.section-title {
  font-family: var(--font-display);
  font-size: clamp(28px, 4vw, 44px);
  font-weight: 700;
  line-height: 1.15;
  letter-spacing: -0.01em;
  color: var(--fg);
}

/* === FOR FINANCIAL INSTITUTIONS === */
.for-institutions { padding: 96px 48px; background: var(--surface); }
.fi-header { text-align: center; max-width: 780px; margin: 0 auto 64px; }
.fi-subtitle {
  font-size: 17px;
  color: var(--muted);
  line-height: 1.65;
  margin-top: 16px;
  max-width: 640px;
  margin-left: auto;
  margin-right: auto;
}
.fi-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  max-width: 1100px;
  margin: 0 auto;
}
.fi-card {
  background: white;
  border: 1px solid var(--border);
  border-radius: 16px;
  padding: 32px 28px;
  display: flex;
  flex-direction: column;
  gap: 16px;
}
.fi-card-icon { flex-shrink: 0; }
.fi-card-title { font-family: var(--font-display); font-size: 18px; font-weight: 600; color: var(--fg); }
.fi-card-desc { font-size: 14px; color: var(--muted); line-height: 1.6; }
.problem-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
  max-width: 960px;
  margin: 0 auto 56px;
}
.problem-card {
  padding: 32px 28px;
  background: white;
  border: 1px solid var(--border);
  border-radius: 16px;
  text-align: center;
}
.problem-stat {
  font-family: var(--font-display);
  font-size: 56px;
  font-weight: 700;
  color: var(--accent);
  line-height: 1;
  margin-bottom: 12px;
}
.problem-label { font-size: 13px; color: var(--muted); line-height: 1.5; }
.solution-bar {
  max-width: 800px;
  margin: 0 auto;
  background: var(--accent);
  border-radius: 20px;
  padding: 32px 40px;
  position: relative;
  overflow: hidden;
}
.solution-bar::before {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(255,255,255,0.08) 0%, transparent 60%);
}
.solution-text {
  position: relative;
  font-size: 18px;
  color: white;
  font-weight: 400;
  line-height: 1.5;
  text-align: center;
}

/* === OUTCOMES === */
.outcomes { padding: 96px 48px; background: var(--bg); }
.outcomes-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 2px;
  max-width: 1100px;
  margin: 0 auto;
  background: var(--border);
  border: 1px solid var(--border);
  border-radius: 20px;
  overflow: hidden;
}
.outcome-card {
  padding: 40px 32px;
  background: var(--bg);
}
.outcome-number {
  font-family: var(--font-display);
  font-size: 11px;
  font-weight: 500;
  letter-spacing: 0.1em;
  color: var(--gold);
  margin-bottom: 16px;
}
.outcome-title {
  font-family: var(--font-display);
  font-size: 20px;
  font-weight: 600;
  color: var(--fg);
  margin-bottom: 12px;
  line-height: 1.3;
}
.outcome-desc { font-size: 14px; color: var(--muted); line-height: 1.6; }

/* === MISSION === */
.mission {
  padding: 96px 48px;
  background: var(--fg);
  color: white;
}
.mission-content { max-width: 820px; margin: 0 auto; }
.mission-label {
  font-size: 11px;
  font-weight: 500;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold-light);
  margin-bottom: 28px;
}
.mission-quote {
  font-family: var(--font-display);
  font-size: clamp(22px, 3vw, 32px);
  font-weight: 300;
  font-style: italic;
  line-height: 1.4;
  color: rgba(255,255,255,0.9);
  margin-bottom: 32px;
  border-left: 3px solid var(--gold);
  padding-left: 28px;
}
.quote-attr {
  display: block;
  font-size: 13px;
  font-style: normal;
  font-weight: 400;
  color: rgba(255,255,255,0.5);
  margin-top: 12px;
  font-family: var(--font-body);
}
.mission-body {
  font-size: 17px;
  color: rgba(255,255,255,0.65);
  line-height: 1.7;
  max-width: 600px;
}

/* === CLOSING === */
.closing {
  padding: 96px 48px;
  background: var(--surface);
}
.closing-inner { max-width: 820px; margin: 0 auto; text-align: center; }
.closing-title {
  font-family: var(--font-display);
  font-size: clamp(32px, 5vw, 56px);
  font-weight: 700;
  line-height: 1.1;
  letter-spacing: -0.02em;
  color: var(--fg);
  margin-bottom: 24px;
}
.closing-sub {
  font-size: 17px;
  color: var(--muted);
  line-height: 1.65;
  max-width: 560px;
  margin: 0 auto 40px;
}
.closing-ctas {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 24px;
  margin-bottom: 64px;
}
.closing-cta-primary {
  font-size: 16px;
  font-weight: 600;
  color: white;
  background: var(--accent);
  padding: 14px 28px;
  border-radius: 10px;
  text-decoration: none;
  transition: background 0.2s;
  display: inline-block;
}
.closing-cta-primary:hover { background: var(--accent-light); }
.closing-cta-secondary {
  font-size: 15px;
  font-weight: 500;
  color: var(--muted);
  text-decoration: none;
  transition: color 0.2s;
}
.closing-cta-secondary:hover { color: var(--fg); }
.closing-stats {
  display: flex;
  justify-content: center;
  gap: 64px;
}
.closing-stat { display: flex; flex-direction: column; align-items: center; gap: 8px; }
.stat-value {
  font-family: var(--font-display);
  font-size: 40px;
  font-weight: 700;
  color: var(--accent);
}
.stat-label { font-size: 13px; color: var(--muted); }

/* === FOOTER === */
.footer {
  padding: 48px;
  border-top: 1px solid var(--border);
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 12px;
  text-align: center;
}
.footer-brand { display: flex; align-items: center; gap: 8px; }
.footer-logo { width: 24px; height: 24px; }
.footer-name { font-family: var(--font-display); font-weight: 700; font-size: 16px; color: var(--fg); }
.footer-tagline { font-size: 13px; color: var(--muted); max-width: 400px; }
.footer-copy { font-size: 12px; color: var(--muted); }

/* === RESPONSIVE === */
@media (max-width: 1024px) {
  .fi-grid { grid-template-columns: repeat(2, 1fr); }
  .outcomes-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 768px) {
  .nav { padding: 16px 24px; }
  .hero { padding: 60px 24px 56px; }
  .hero-agents { grid-template-columns: 1fr; }
  .hero-cta-row { flex-direction: column; align-items: flex-start; gap: 16px; margin-bottom: 40px; }
  .fi-grid { grid-template-columns: 1fr; }
  .outcomes-grid { grid-template-columns: 1fr; }
  .closing-stats { flex-direction: column; gap: 32px; }
  .closing-ctas { flex-direction: column; align-items: center; gap: 16px; margin-bottom: 48px; }
  .for-institutions, .outcomes, .mission, .closing { padding: 64px 24px; }
  .section-header { margin-bottom: 40px; }
}