/* ============================================================
   KINGA — marketing landing
   Golden-hour Kenyan fintech: deep greens, sunrise gold,
   soft-shadow cards, wave-line motif. Zero external requests.
   ============================================================ */

/* ---------- Fonts (local) ---------- */
@font-face {
  font-family: 'Poppins';
  src: url('assets/fonts/Poppins-Regular.ttf') format('truetype');
  font-weight: 400; font-style: normal; font-display: swap;
}
@font-face {
  font-family: 'Poppins';
  src: url('assets/fonts/Poppins-SemiBold.ttf') format('truetype');
  font-weight: 600; font-style: normal; font-display: swap;
}
@font-face {
  font-family: 'Poppins';
  src: url('assets/fonts/Poppins-Bold.ttf') format('truetype');
  font-weight: 700; font-style: normal; font-display: swap;
}
@font-face {
  font-family: 'Inter';
  src: url('assets/fonts/Inter-Regular.ttf') format('truetype');
  font-weight: 400; font-style: normal; font-display: swap;
}
@font-face {
  font-family: 'Inter';
  src: url('assets/fonts/Inter-Medium.ttf') format('truetype');
  font-weight: 500; font-style: normal; font-display: swap;
}
@font-face {
  font-family: 'Inter';
  src: url('assets/fonts/Inter-SemiBold.ttf') format('truetype');
  font-weight: 600; font-style: normal; font-display: swap;
}

/* ---------- Design tokens ---------- */
:root {
  --green:       #25671E;
  --green-deep:  #1B4D16;
  --action:      #2FA84F;
  --gold:        #F5A623;
  --gold-hi:     #FFBC45;
  --gold-soft:   #FFD98A;
  --alert:       #D64545;

  --radius-card: 20px;
  --radius-pill: 28px;

  --font-display: 'Poppins', 'Segoe UI', sans-serif;
  --font-body: 'Inter', 'Segoe UI', sans-serif;

  --wrap: 1180px;
  --pad: clamp(20px, 5vw, 48px);

  /* motif: thin flowing wave lines (green) */
  --waves-green: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1200 420' preserveAspectRatio='none'%3E%3Cg fill='none' stroke='%2325671E' stroke-width='1.4'%3E%3Cpath stroke-opacity='.16' d='M0 250C210 150 400 350 610 250S1010 150 1200 250'/%3E%3Cpath stroke-opacity='.12' d='M0 285C210 185 400 385 610 285S1010 185 1200 285'/%3E%3Cpath stroke-opacity='.09' d='M0 320C210 220 400 420 610 320S1010 220 1200 320'/%3E%3Cpath stroke-opacity='.06' d='M0 355C210 255 400 455 610 355S1010 255 1200 355'/%3E%3C/g%3E%3C/svg%3E");
  /* motif: thin flowing wave lines (white, for green/dark surfaces) */
  --waves-white: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1200 420' preserveAspectRatio='none'%3E%3Cg fill='none' stroke='%23FFFFFF' stroke-width='1.4'%3E%3Cpath stroke-opacity='.14' d='M0 250C210 150 400 350 610 250S1010 150 1200 250'/%3E%3Cpath stroke-opacity='.10' d='M0 285C210 185 400 385 610 285S1010 185 1200 285'/%3E%3Cpath stroke-opacity='.07' d='M0 320C210 220 400 420 610 320S1010 220 1200 320'/%3E%3Cpath stroke-opacity='.05' d='M0 355C210 255 400 455 610 355S1010 255 1200 355'/%3E%3C/g%3E%3C/svg%3E");
  --wave-mask: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 40 12'%3E%3Cpath d='M1 8C6 2 10 2 15 8s9 6 14 0 6-6 10-2' fill='none' stroke='%23000' stroke-width='2.6' stroke-linecap='round'/%3E%3C/svg%3E");
  --grain: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='180' height='180'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.82' numOctaves='2' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='180' height='180' filter='url(%23n)' opacity='.55'/%3E%3C/svg%3E");
}

/* Light — the demo-facing default */
:root[data-theme="light"] {
  --canvas:     #F6F8F6;
  --surface:    #FFFFFF;
  --surface-2:  #EDF3EC;
  --ink:        #15230F;
  --ink-soft:   #4A5A44;
  --ink-faint:  #778471;
  --line:       rgba(21, 35, 15, .10);
  --line-soft:  rgba(21, 35, 15, .06);
  --accent:     var(--green);
  --accent-soft: rgba(37, 103, 30, .10);
  --num:        var(--green-deep);
  --nav-bg:     rgba(246, 248, 246, .74);
  --nav-line:   rgba(21, 35, 15, .08);
  --shadow-card: 0 24px 55px -28px rgba(27, 77, 22, .35), 0 4px 14px -6px rgba(27, 77, 22, .12);
  --shadow-pop:  0 34px 70px -30px rgba(27, 77, 22, .45);
  --waves: var(--waves-green);
  color-scheme: light;
}

/* Dark — forest green-black + gold */
:root[data-theme="dark"] {
  --canvas:     #0C130B;
  --surface:    #141F12;
  --surface-2:  #1A2917;
  --ink:        #EFF5EC;
  --ink-soft:   #B4C6AC;
  --ink-faint:  #83947C;
  --line:       rgba(239, 245, 236, .11);
  --line-soft:  rgba(239, 245, 236, .06);
  --accent:     #7BD374;
  --accent-soft: rgba(123, 211, 116, .12);
  --num:        var(--gold);
  --nav-bg:     rgba(12, 19, 11, .66);
  --nav-line:   rgba(239, 245, 236, .09);
  --shadow-card: 0 26px 60px -28px rgba(0, 0, 0, .65), 0 4px 14px -6px rgba(0, 0, 0, .4);
  --shadow-pop:  0 36px 80px -30px rgba(0, 0, 0, .75);
  --waves: var(--waves-white);
  color-scheme: dark;
}

/* ---------- Base ---------- */
*, *::before, *::after { box-sizing: border-box; }

html {
  scroll-behavior: smooth;
  overflow-x: clip;
  -webkit-text-size-adjust: 100%;
}
body {
  margin: 0;
  font-family: var(--font-body);
  font-size: 16.5px;
  line-height: 1.6;
  color: var(--ink);
  background: var(--canvas);
  overflow-x: clip;
  transition: background-color .35s ease, color .35s ease;
}
img { max-width: 100%; display: block; }
h1, h2, h3, h4 {
  font-family: var(--font-display);
  font-weight: 700;
  line-height: 1.14;
  letter-spacing: -.015em;
  margin: 0;
  text-wrap: balance;
}
p { margin: 0; }
a { color: inherit; }
ul, ol { margin: 0; padding: 0; list-style: none; }
section { scroll-margin-top: 92px; }

::selection { background: var(--gold); color: #231600; }

:focus-visible {
  outline: 3px solid var(--gold);
  outline-offset: 2.5px;
  border-radius: 6px;
}

.skip-link {
  position: absolute; left: -999px; top: 8px; z-index: 200;
  background: var(--green-deep); color: #fff;
  padding: 10px 18px; border-radius: 999px; text-decoration: none;
}
.skip-link:focus { left: 12px; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  min-height: 52px; padding: 13px 30px;
  border-radius: var(--radius-pill); border: 0;
  font-family: var(--font-body); font-weight: 600; font-size: 16px;
  text-decoration: none; cursor: pointer;
  transition: transform .22s ease, box-shadow .22s ease, background-color .22s ease, filter .22s ease;
  -webkit-tap-highlight-color: transparent;
}
.btn:active { transform: translateY(1px) scale(.99); }

.btn-gold {
  background: linear-gradient(180deg, var(--gold-hi), var(--gold));
  color: #231600;
  box-shadow: 0 14px 30px -12px rgba(245, 166, 35, .65), inset 0 1px 0 rgba(255, 255, 255, .5);
}
.btn-gold:hover { transform: translateY(-2px); box-shadow: 0 20px 38px -12px rgba(245, 166, 35, .75), inset 0 1px 0 rgba(255,255,255,.5); }

.btn-ghost {
  background: rgba(255, 255, 255, .06);
  border: 1.6px solid rgba(255, 255, 255, .68);
  color: #fff;
  backdrop-filter: blur(4px);
}
.btn-ghost:hover { background: rgba(255, 255, 255, .16); transform: translateY(-2px); }

.btn-big { font-size: 17px; padding: 15px 34px; }

/* ---------- Kicker / section headings ---------- */
.kicker {
  display: inline-flex; align-items: center; gap: 10px;
  font-size: 12.5px; font-weight: 600; letter-spacing: .16em;
  text-transform: uppercase; color: var(--accent);
  margin-bottom: 14px;
}
.kicker-wave {
  width: 36px; height: 11px; flex: none; background: currentColor;
  -webkit-mask: var(--wave-mask) center / contain no-repeat;
          mask: var(--wave-mask) center / contain no-repeat;
}
.kicker-light { color: var(--gold-soft); }
.kicker-gold { color: var(--gold); }

.section { max-width: var(--wrap); margin-inline: auto; padding: clamp(72px, 9vw, 118px) var(--pad); }
.section-head { max-width: 640px; margin-bottom: clamp(34px, 5vw, 56px); }
.section-title { font-size: clamp(1.85rem, 3.6vw, 2.7rem); }

/* ---------- Reveal on scroll ---------- */
[data-reveal] {
  opacity: 0;
  transform: translateY(28px);
  transition: opacity .75s ease, transform .75s cubic-bezier(.16, 1, .3, 1);
  transition-delay: var(--rd, 0ms);
}
[data-reveal].in { opacity: 1; transform: none; }

/* ---------- Grain + orbs ---------- */
.grain {
  position: absolute; inset: 0; pointer-events: none;
  background: var(--grain); background-size: 180px;
  opacity: .05; mix-blend-mode: overlay;
}
.orb {
  position: absolute; border-radius: 50%; pointer-events: none;
  filter: blur(52px); opacity: .55;
  background: radial-gradient(circle at 35% 35%, rgba(255, 205, 98, .95), rgba(245, 166, 35, .38) 55%, transparent 72%);
  animation: orbFloat 9s ease-in-out infinite alternate;
}
@keyframes orbFloat {
  from { translate: 0 -12px; }
  to   { translate: 0 16px; }
}

/* ============================================================
   NAV
   ============================================================ */
.nav {
  position: fixed; top: 0; left: 0; right: 0; z-index: 100;
  background: var(--nav-bg);
  -webkit-backdrop-filter: blur(16px) saturate(1.5);
          backdrop-filter: blur(16px) saturate(1.5);
  border-bottom: 1px solid transparent;
  transition: border-color .3s ease, background-color .3s ease;
}
.nav.scrolled { border-bottom-color: var(--nav-line); }
.nav-inner {
  max-width: var(--wrap); margin-inline: auto;
  padding-inline: var(--pad);
  height: 78px;
  display: flex; align-items: center; gap: 26px;
  transition: height .3s ease;
}
.nav.scrolled .nav-inner { height: 64px; }

.nav-brand {
  display: inline-flex; align-items: center; gap: 11px;
  text-decoration: none; margin-right: auto;
}
.nav-logo { width: 40px; height: 40px; border-radius: 11px; box-shadow: 0 4px 12px -4px rgba(27,77,22,.5); transition: width .3s ease, height .3s ease; }
.nav.scrolled .nav-logo { width: 34px; height: 34px; }
.nav-wordmark { font-family: var(--font-display); font-weight: 700; font-size: 22px; letter-spacing: -.01em; }

.nav-links { display: flex; gap: clamp(16px, 2.4vw, 30px); }
.nav-links a {
  text-decoration: none; font-weight: 500; font-size: 15.5px; color: var(--ink-soft);
  padding: 6px 2px; position: relative;
}
.nav-links a::after {
  content: ""; position: absolute; left: 0; right: 100%; bottom: 0;
  height: 2.5px; border-radius: 2px; background: var(--gold);
  transition: right .28s ease;
}
.nav-links a:hover { color: var(--ink); }
.nav-links a:hover::after { right: 0; }

.nav-actions { display: flex; align-items: center; gap: 12px; }

.lang-toggle {
  display: inline-flex; padding: 3px; gap: 2px;
  border: 1px solid var(--line); border-radius: 999px; background: var(--surface);
}
.lang-btn {
  border: 0; background: transparent; color: var(--ink-faint);
  font-family: var(--font-body); font-weight: 600; font-size: 13px;
  padding: 7px 12px; min-height: 32px; border-radius: 999px; cursor: pointer;
  transition: background-color .2s ease, color .2s ease;
}
.lang-btn[aria-pressed="true"] { background: var(--green); color: #fff; }
:root[data-theme="dark"] .lang-btn[aria-pressed="true"] { background: var(--gold); color: #231600; }

.theme-toggle {
  width: 44px; height: 44px; flex: none;
  display: inline-flex; align-items: center; justify-content: center;
  border: 1px solid var(--line); border-radius: 50%;
  background: var(--surface); color: var(--ink); cursor: pointer;
  transition: transform .25s ease, background-color .2s ease;
}
.theme-toggle:hover { transform: rotate(15deg) scale(1.06); }
:root[data-theme="light"] .icon-sun { display: none; }
:root[data-theme="dark"] .icon-moon { display: none; }

.btn-nav {
  min-height: 44px; padding: 9px 22px; font-size: 15px;
  background: var(--action); color: #fff;
  box-shadow: 0 10px 22px -10px rgba(47, 168, 79, .8);
}
.btn-nav:hover { transform: translateY(-2px); filter: brightness(1.06); }
:root[data-theme="dark"] .btn-nav {
  background: linear-gradient(180deg, var(--gold-hi), var(--gold)); color: #231600;
  box-shadow: 0 10px 22px -10px rgba(245, 166, 35, .7);
}

.nav-burger {
  display: none; flex-direction: column; gap: 5px;
  width: 44px; height: 44px; align-items: center; justify-content: center;
  border: 1px solid var(--line); border-radius: 12px; background: var(--surface); cursor: pointer;
}
.nav-burger span { display: block; width: 18px; height: 2px; border-radius: 2px; background: var(--ink); transition: transform .25s ease, opacity .2s ease; }
.nav-burger[aria-expanded="true"] span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-burger[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.nav-burger[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

.mobile-menu {
  display: none; flex-direction: column;
  border-top: 1px solid var(--nav-line);
  padding: 10px var(--pad) 18px;
}
.mobile-menu a {
  text-decoration: none; font-weight: 600; font-size: 17px; color: var(--ink);
  padding: 13px 6px; border-bottom: 1px solid var(--line-soft);
}
.mobile-menu a:last-child { border-bottom: 0; }
.mobile-menu.open { display: flex; }

/* ============================================================
   HERO
   ============================================================ */
.hero {
  position: relative;
  min-height: min(100svh, 940px);
  display: flex; flex-direction: column; justify-content: center;
  padding: 150px var(--pad) 140px;
  overflow: clip;
  color: #fff;
}
.hero-bg { position: absolute; inset: 0; z-index: -1; background: var(--green-deep); }
.hero-photo {
  position: absolute; inset: -6% 0; width: 100%; height: 112%;
  object-fit: cover; object-position: 50% 62%;
  will-change: transform;
}
.hero-scrim {
  position: absolute; inset: 0;
  background:
    linear-gradient(102deg, rgba(9, 25, 7, .88) 0%, rgba(10, 30, 8, .62) 42%, rgba(12, 35, 9, .22) 72%, rgba(12, 35, 9, .12) 100%),
    linear-gradient(180deg, rgba(9, 25, 7, .30) 0%, rgba(9, 25, 7, 0) 30%, rgba(9, 25, 7, .42) 88%);
}
:root[data-theme="dark"] .hero-scrim {
  background:
    linear-gradient(102deg, rgba(6, 14, 5, .92) 0%, rgba(6, 16, 5, .72) 42%, rgba(6, 16, 5, .34) 72%, rgba(6, 16, 5, .22) 100%),
    linear-gradient(180deg, rgba(6, 14, 5, .38) 0%, rgba(6, 14, 5, .05) 30%, rgba(6, 14, 5, .55) 88%);
}
.orb-a { width: 300px; height: 300px; top: 12%; left: 46%; }
.orb-b { width: 210px; height: 210px; bottom: 16%; left: 6%; opacity: .38; animation-delay: -3s; }
.orb-c { width: 170px; height: 170px; top: 20%; right: 4%; opacity: .45; animation-delay: -6s; }

.hero-inner {
  max-width: var(--wrap); margin-inline: auto; width: 100%;
  display: grid; grid-template-columns: 1.08fr .92fr;
  align-items: center; gap: clamp(30px, 5vw, 70px);
}
.hero-title {
  font-size: clamp(2.5rem, 5.4vw, 4.15rem);
  text-shadow: 0 3px 26px rgba(6, 16, 5, .45);
}
.hero-sub {
  margin-top: 14px;
  font-family: var(--font-display); font-weight: 600;
  font-size: clamp(1.15rem, 2vw, 1.45rem);
  color: var(--gold-soft);
}
.hero-tagline {
  margin-top: 20px;
  display: inline-block;
  font-size: 13.5px; font-weight: 600; letter-spacing: .12em; text-transform: uppercase;
  color: #fff;
  border: 1px solid rgba(255, 255, 255, .34);
  background: rgba(255, 255, 255, .09);
  -webkit-backdrop-filter: blur(6px); backdrop-filter: blur(6px);
  padding: 9px 18px; border-radius: 999px;
}
.hero-body {
  margin-top: 20px; max-width: 46ch;
  font-size: clamp(1.02rem, 1.4vw, 1.13rem);
  color: rgba(255, 255, 255, .88);
}
.hero-ctas { margin-top: 32px; display: flex; flex-wrap: wrap; gap: 14px; }
.hero-note { margin-top: 18px; font-size: 13.5px; color: rgba(255, 255, 255, .62); }

/* --- Phone mockup --- */
.hero-device { display: flex; justify-content: center; }
.phone { position: relative; animation: phoneFloat 7s ease-in-out infinite; }
@keyframes phoneFloat {
  0%, 100% { transform: translateY(0) rotate(.4deg); }
  50%      { transform: translateY(-12px) rotate(-.4deg); }
}
.phone-frame {
  width: min(320px, 80vw);
  border-radius: 46px;
  padding: 11px;
  background: linear-gradient(165deg, #333832, #0b0d0a 60%);
  box-shadow:
    0 50px 90px -34px rgba(4, 10, 3, .8),
    inset 0 1px 1px rgba(255, 255, 255, .28),
    0 0 0 1px rgba(255, 205, 98, .18);
  position: relative; z-index: 1;
}
.phone-notch {
  position: absolute; top: 21px; left: 50%; transform: translateX(-50%);
  width: 108px; height: 22px; border-radius: 999px;
  background: #0b0d0a; z-index: 3;
  box-shadow: inset 0 1px 2px rgba(255,255,255,.08);
}
.phone-screen {
  position: relative;
  border-radius: 36px; overflow: hidden;
  aspect-ratio: 9 / 19.2;
  background: #F6F8F6;
}
.phone-shot { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; z-index: 2; }
.phone-glow {
  position: absolute; inset: auto 8% -34px 8%; height: 70px;
  background: radial-gradient(50% 100% at 50% 0%, rgba(245, 166, 35, .55), transparent 75%);
  filter: blur(18px);
}

/* --- CSS dashboard stand-in (screenshots land later; this must look shipped) --- */
.mock-app {
  position: absolute; inset: 0; z-index: 1;
  display: flex; flex-direction: column;
  font-size: 13px; color: #15230F;
  font-family: var(--font-body);
}
.mock-head {
  background: linear-gradient(160deg, var(--green) 0%, var(--green-deep) 90%);
  background-blend-mode: normal;
  border-radius: 0 0 24px 24px;
  padding: 52px 16px 16px;
  color: #fff;
  position: relative;
}
.mock-head::before {
  content: ""; position: absolute; inset: 0; border-radius: inherit;
  background: var(--waves-white) center / 180% auto no-repeat;
  opacity: .8; pointer-events: none;
}
.mock-head-row { display: flex; align-items: center; gap: 9px; position: relative; }
.mock-avatar {
  width: 34px; height: 34px; border-radius: 50%; flex: none;
  background: var(--gold); color: #231600;
  display: grid; place-items: center;
  font-family: var(--font-display); font-weight: 700; font-size: 15px;
}
.mock-hello { display: flex; flex-direction: column; line-height: 1.25; }
.mock-hi { font-weight: 600; font-size: 13.5px; }
.mock-sacco { font-size: 11px; opacity: .78; }
.mock-bell {
  margin-left: auto; width: 30px; height: 30px; border-radius: 50%;
  background: rgba(255, 255, 255, .16); position: relative;
}
.mock-bell::after {
  content: ""; position: absolute; top: 7px; right: 7px;
  width: 7px; height: 7px; border-radius: 50%; background: var(--gold);
}
.mock-balance-card {
  position: relative;
  margin-top: 13px;
  background: rgba(255, 255, 255, .13);
  border: 1px solid rgba(255, 255, 255, .22);
  border-radius: 16px; padding: 11px 14px 12px;
  display: flex; flex-direction: column; gap: 2px;
  -webkit-backdrop-filter: blur(4px); backdrop-filter: blur(4px);
}
.mock-balance-label { font-size: 10.5px; letter-spacing: .09em; text-transform: uppercase; opacity: .82; }
.mock-balance { font-family: var(--font-display); font-weight: 700; font-size: 24px; letter-spacing: -.01em; }
.mock-growth { font-size: 11px; color: #B8F0AE; font-weight: 600; }
.mock-actions { display: flex; gap: 8px; padding: 13px 14px 4px; }
.mock-chip {
  flex: 1; text-align: center; padding: 9px 0;
  background: #fff; border: 1px solid rgba(21, 35, 15, .09);
  border-radius: 12px; font-weight: 600; font-size: 12px;
  box-shadow: 0 4px 10px -6px rgba(27, 77, 22, .25);
}
.mock-chip-gold { background: linear-gradient(180deg, var(--gold-hi), var(--gold)); border-color: transparent; color: #231600; }
.mock-list { display: flex; flex-direction: column; gap: 7px; padding: 9px 14px; }
.mock-tx {
  display: flex; align-items: center; gap: 9px;
  background: #fff; border: 1px solid rgba(21, 35, 15, .07);
  border-radius: 13px; padding: 9px 11px;
}
.mock-tick {
  width: 26px; height: 26px; flex: none; border-radius: 50%;
  display: grid; place-items: center;
  background: rgba(47, 168, 79, .14); color: var(--action);
  font-size: 13px; font-weight: 700;
}
.mock-tick.gold { background: rgba(245, 166, 35, .16); color: #C77F08; }
.mock-tx-body { display: flex; flex-direction: column; line-height: 1.3; min-width: 0; }
.mock-tx-body b { font-size: 12px; font-weight: 600; }
.mock-tx-body i { font-style: normal; font-size: 10.5px; color: #778471; }
.mock-amt { margin-left: auto; font-family: var(--font-display); font-weight: 700; font-size: 12.5px; color: var(--green); }
.mock-nav {
  margin-top: auto; display: flex; justify-content: space-around; align-items: center;
  padding: 12px 26px calc(12px + 8px);
  background: #fff; border-top: 1px solid rgba(21, 35, 15, .07);
}
.mock-nav span { width: 22px; height: 4.5px; border-radius: 4px; background: rgba(21, 35, 15, .16); }
.mock-nav span.on { background: var(--green); width: 30px; }

.hero-curve {
  position: absolute; left: 0; right: 0; bottom: -1px;
  width: 100%; height: clamp(46px, 8vw, 105px);
  display: block; pointer-events: none;
}

/* ============================================================
   TRUST STRIP (stats)
   ============================================================ */
.stats { position: relative; z-index: 2; max-width: var(--wrap); margin-inline: auto; padding: 0 var(--pad); }
.stats-card {
  margin-top: clamp(-56px, -4vw, -30px);
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius-card);
  box-shadow: var(--shadow-card);
  display: grid; grid-template-columns: repeat(4, 1fr);
  overflow: hidden;
}
.stat {
  padding: clamp(22px, 3vw, 34px) clamp(16px, 2.4vw, 30px);
  display: flex; flex-direction: column; gap: 4px;
  border-left: 1px solid var(--line-soft);
}
.stat:first-child { border-left: 0; }
.stat-num {
  font-family: var(--font-display); font-weight: 700;
  font-size: clamp(1.65rem, 3vw, 2.35rem); letter-spacing: -.02em;
  color: var(--num); line-height: 1.1;
  font-variant-numeric: tabular-nums;
}
.stat-label { font-size: 13.5px; color: var(--ink-faint); font-weight: 500; }

/* ============================================================
   FEATURES
   ============================================================ */
.feature-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: clamp(18px, 2.4vw, 28px); }
.feature-card {
  background: var(--surface);
  border: 1px solid var(--line);
  border-radius: var(--radius-card);
  overflow: hidden;
  box-shadow: var(--shadow-card);
  transition: transform .35s cubic-bezier(.16, 1, .3, 1), box-shadow .35s ease;
  display: flex; flex-direction: column;
}
.feature-card:hover { transform: translateY(-7px); box-shadow: var(--shadow-pop); }
.feature-media { aspect-ratio: 16 / 10.5; overflow: hidden; }
.feature-media img { width: 100%; height: 100%; object-fit: cover; transition: transform .6s cubic-bezier(.16, 1, .3, 1); }
.feature-card:hover .feature-media img { transform: scale(1.05); }
.feature-body { padding: 24px 26px 28px; position: relative; flex: 1; display: flex; flex-direction: column; }
.role-tag {
  position: absolute; top: -16px; left: 26px;
  background: linear-gradient(180deg, var(--gold-hi), var(--gold)); color: #231600;
  font-size: 12px; font-weight: 600; letter-spacing: .1em; text-transform: uppercase;
  padding: 7px 15px; border-radius: 999px;
  box-shadow: 0 8px 18px -8px rgba(245, 166, 35, .8);
}
.feature-icon {
  width: 50px; height: 50px; margin: 12px 0 14px;
  border-radius: 15px; display: grid; place-items: center;
  background: var(--accent-soft); color: var(--accent);
}
.feature-body h3 { font-size: 1.32rem; margin-bottom: 10px; }
.feature-body p { color: var(--ink-soft); font-size: 15.5px; flex: 1; }
.feature-mini { margin-top: 18px; display: flex; align-items: center; gap: 8px; flex-wrap: wrap; }
.mini-pill {
  font-size: 12.5px; font-weight: 600; padding: 6px 12px; border-radius: 999px;
  background: var(--surface-2); border: 1px solid var(--line); color: var(--ink-soft);
  white-space: nowrap;
}
.mini-gold { background: rgba(245, 166, 35, .15); border-color: rgba(245, 166, 35, .4); color: #B27607; }
:root[data-theme="dark"] .mini-gold { color: var(--gold-soft); }
.mini-green { background: rgba(47, 168, 79, .13); border-color: rgba(47, 168, 79, .38); color: var(--action); }
.mini-arrow { color: var(--ink-faint); font-weight: 600; }

/* ============================================================
   COMMUNITY BAND
   ============================================================ */
.community { max-width: var(--wrap); margin-inline: auto; padding: 0 var(--pad); }
.community-figure {
  position: relative; margin: 0;
  border-radius: 24px; overflow: hidden;
  box-shadow: var(--shadow-card);
}
.community-figure img {
  width: 100%; aspect-ratio: 21 / 9; min-height: 300px; object-fit: cover;
}
.community-figure figcaption {
  position: absolute; inset: auto 0 0 0;
  padding: clamp(22px, 4vw, 40px);
  display: flex; flex-direction: column; gap: 7px;
  background: linear-gradient(180deg, transparent, rgba(7, 18, 5, .82));
  color: #fff;
}
.community-quote {
  font-family: var(--font-display); font-weight: 600;
  font-size: clamp(1.12rem, 2.4vw, 1.6rem); line-height: 1.3;
  max-width: 26em; text-wrap: balance;
}
.community-src { font-size: 13px; letter-spacing: .12em; text-transform: uppercase; color: var(--gold-soft); font-weight: 600; }

/* ============================================================
   HOW IT WORKS
   ============================================================ */
.steps {
  display: grid; grid-template-columns: repeat(4, 1fr);
  gap: clamp(16px, 2vw, 24px);
  counter-reset: step;
  position: relative;
}
.steps::before {
  content: ""; position: absolute; top: 46px; left: 4%; right: 4%; height: 3px;
  background: repeating-linear-gradient(90deg, var(--gold) 0 14px, transparent 14px 26px);
  opacity: .5; border-radius: 3px;
}
.step-card {
  position: relative;
  background: var(--surface); border: 1px solid var(--line);
  border-radius: var(--radius-card); box-shadow: var(--shadow-card);
  padding: 26px 22px 24px;
  display: flex; flex-direction: column;
  transition: transform .35s cubic-bezier(.16,1,.3,1), box-shadow .35s ease;
}
.step-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-pop); }
.step-num {
  width: 44px; height: 44px; border-radius: 50%;
  display: grid; place-items: center;
  background: linear-gradient(180deg, var(--gold-hi), var(--gold)); color: #231600;
  font-family: var(--font-display); font-weight: 700; font-size: 19px;
  box-shadow: 0 10px 20px -8px rgba(245, 166, 35, .75);
  margin-bottom: 16px;
}
.step-card h3 { font-size: 1.13rem; margin-bottom: 7px; }
.step-card > p { font-size: 14.5px; color: var(--ink-soft); flex: 1; }

.step-visual { margin-top: 18px; display: flex; flex-direction: column; gap: 7px; }
.pick {
  font-size: 12.5px; font-weight: 600; padding: 9px 13px; border-radius: 12px;
  border: 1.5px solid var(--line); color: var(--ink-faint); background: var(--surface-2);
}
.pick.on { border-color: var(--action); color: var(--ink); background: rgba(47, 168, 79, .1); position: relative; }
.pick.on::after { content: "✓"; float: right; color: var(--action); font-weight: 700; }

.step-visual.fees span { display: flex; justify-content: space-between; font-size: 12.5px; padding: 4px 2px; }
.step-visual.fees i { font-style: normal; color: var(--ink-faint); }
.step-visual.fees b { font-weight: 600; font-variant-numeric: tabular-nums; }
.step-visual.fees .total { border-top: 1.5px dashed var(--line); margin-top: 3px; padding-top: 8px; }
.step-visual.fees .total i { color: var(--ink); font-weight: 600; }
.step-visual.fees .total b { color: var(--green); font-family: var(--font-display); font-weight: 700; }
:root[data-theme="dark"] .step-visual.fees .total b { color: var(--accent); }

.prompt-toast {
  background: #10240c; color: #fff; border-radius: 13px; padding: 12px 14px;
  font-size: 12.5px; font-weight: 600; letter-spacing: .02em;
  display: flex; flex-direction: column; gap: 4px;
  border: 1px solid rgba(255, 255, 255, .14);
}
.prompt-toast b { font-size: 17px; letter-spacing: .3em; color: var(--gold-soft); }

.step-visual.receipt {
  flex-direction: row; align-items: center; gap: 10px;
  background: rgba(47, 168, 79, .1); border: 1.5px solid rgba(47, 168, 79, .4);
  border-radius: 13px; padding: 11px 13px;
}
.receipt-tick {
  width: 30px; height: 30px; flex: none; border-radius: 50%;
  display: grid; place-items: center;
  background: var(--action); color: #fff; font-weight: 700;
  box-shadow: 0 6px 14px -5px rgba(47, 168, 79, .8);
}
.receipt-code { font-weight: 600; font-size: 12.5px; letter-spacing: .04em; font-variant-numeric: tabular-nums; }
.receipt-time { margin-left: auto; font-size: 11.5px; font-weight: 600; color: var(--action); }

/* ============================================================
   AI TEASER  (dark in both themes)
   ============================================================ */
.ai {
  position: relative; overflow: clip;
  margin-top: clamp(72px, 9vw, 118px);
  background: linear-gradient(140deg, #0C130B 0%, #14310e 55%, var(--green-deep) 100%);
  color: #EFF5EC;
}
.ai-bg { position: absolute; inset: 0; pointer-events: none; }
.ai-waves {
  position: absolute; right: -12%; bottom: -18%; width: 62%; min-width: 420px;
  opacity: .16; mix-blend-mode: screen; transform: rotate(160deg);
}
.orb-ai { width: 340px; height: 340px; top: -80px; right: 8%; opacity: .3; }
.ai-inner {
  position: relative;
  max-width: var(--wrap); margin-inline: auto;
  padding: clamp(76px, 9vw, 120px) var(--pad);
  display: grid; grid-template-columns: 1.05fr .95fr;
  gap: clamp(34px, 5vw, 72px); align-items: center;
}
.ai .section-title { color: #fff; }
.ai-body { margin-top: 16px; color: rgba(239, 245, 236, .82); max-width: 50ch; }
.ai-points { margin-top: 24px; display: flex; flex-direction: column; gap: 11px; }
.ai-points li { display: flex; gap: 11px; align-items: baseline; font-weight: 500; color: rgba(239, 245, 236, .92); }
.ai-points li::before {
  content: "✓"; flex: none;
  color: var(--gold); font-weight: 700;
}

.chat-window {
  background: rgba(10, 22, 8, .72);
  border: 1px solid rgba(255, 205, 98, .22);
  border-radius: 24px;
  box-shadow: var(--shadow-pop);
  -webkit-backdrop-filter: blur(10px); backdrop-filter: blur(10px);
  padding: 20px 20px 24px;
  max-width: 430px; margin-inline: auto;
  display: flex; flex-direction: column; gap: 14px;
}
.chat-head {
  display: flex; align-items: center; gap: 10px;
  padding-bottom: 14px; border-bottom: 1px solid rgba(239, 245, 236, .1);
  font-family: var(--font-display); font-weight: 600; font-size: 15px;
}
.chat-head img { border-radius: 8px; }
.chat-dot { width: 9px; height: 9px; border-radius: 50%; background: var(--action); margin-left: auto; box-shadow: 0 0 0 4px rgba(47, 168, 79, .22); }

.chat-bubble {
  border-radius: 18px; padding: 12px 16px; font-size: 14.5px; line-height: 1.5;
  max-width: 88%;
}
.chat-bubble.user {
  align-self: flex-end;
  background: linear-gradient(180deg, #38b95a, var(--action));
  color: #fff; border-bottom-right-radius: 6px;
  font-weight: 500;
}
.chat-bubble.bot {
  align-self: flex-start;
  background: rgba(239, 245, 236, .09);
  border: 1px solid rgba(239, 245, 236, .12);
  border-bottom-left-radius: 6px;
}
.chat-bubble.bot ul { margin: 8px 0; display: flex; flex-direction: column; gap: 4px; }
.chat-bubble.bot li { font-variant-numeric: tabular-nums; padding-left: 14px; position: relative; }
.chat-bubble.bot li::before { content: "•"; position: absolute; left: 2px; color: var(--gold); }
.chat-foot { color: var(--gold-soft); font-weight: 500; }
.chat-typing { display: flex; gap: 5px; padding: 4px 8px; height: 18px; align-items: center; }
.chat-typing span {
  width: 7px; height: 7px; border-radius: 50%; background: rgba(239, 245, 236, .55);
  animation: typing 1.2s ease-in-out infinite;
}
.chat-typing span:nth-child(2) { animation-delay: .18s; }
.chat-typing span:nth-child(3) { animation-delay: .36s; }
@keyframes typing { 0%, 60%, 100% { transform: translateY(0); opacity: .5; } 30% { transform: translateY(-5px); opacity: 1; } }

/* staged chat entrance once revealed */
.ai-chat .chat-bubble.user, .ai-chat .chat-typing, .ai-chat .chat-bubble.bot { opacity: 0; }
.ai-chat.in .chat-bubble.user { animation: bubbleIn .5s ease .25s both; }
.ai-chat.in .chat-typing { animation: typingLife 1.6s ease .8s both; }
.ai-chat.in .chat-bubble.bot { animation: bubbleIn .55s ease 2.15s both; }
@keyframes bubbleIn { from { opacity: 0; transform: translateY(14px) scale(.97); } to { opacity: 1; transform: none; } }
@keyframes typingLife { 0% { opacity: 0; } 12% { opacity: 1; } 82% { opacity: 1; } 100% { opacity: 0; } }

/* ============================================================
   SECURITY / TRUST
   ============================================================ */
.trust-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: clamp(16px, 2vw, 24px); }
.trust-card {
  background: var(--surface); border: 1px solid var(--line);
  border-radius: var(--radius-card); box-shadow: var(--shadow-card);
  padding: 26px 24px;
  transition: transform .35s cubic-bezier(.16,1,.3,1), box-shadow .35s ease;
}
.trust-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-pop); }
.trust-icon {
  width: 48px; height: 48px; border-radius: 50%;
  display: grid; place-items: center;
  background: var(--accent-soft); color: var(--accent);
  margin-bottom: 15px;
}
.trust-card h3 { font-size: 1.08rem; margin-bottom: 7px; }
.trust-card p { font-size: 14.5px; color: var(--ink-soft); }

.ussd-banner {
  margin-top: clamp(26px, 4vw, 40px);
  background: linear-gradient(120deg, var(--green-deep), var(--green) 130%);
  color: #fff;
  border-radius: var(--radius-card);
  box-shadow: var(--shadow-card);
  padding: clamp(26px, 4vw, 40px);
  display: flex; align-items: center; gap: clamp(20px, 4vw, 46px);
  position: relative; overflow: hidden;
}
.ussd-banner::before {
  content: ""; position: absolute; inset: 0;
  background: var(--waves-white) right -140px bottom -190px / 130% auto no-repeat;
  pointer-events: none;
}
.ussd-code {
  position: relative; flex: none;
  font-family: var(--font-display); font-weight: 700;
  font-size: clamp(1.7rem, 4.4vw, 2.9rem); letter-spacing: .04em;
  color: var(--gold);
  background: rgba(0, 0, 0, .25);
  border: 1px solid rgba(255, 205, 98, .35);
  padding: 14px 26px; border-radius: 18px;
  text-shadow: 0 2px 14px rgba(245, 166, 35, .35);
}
.ussd-copy { position: relative; }
.ussd-copy h3 { font-size: clamp(1.15rem, 2vw, 1.45rem); margin-bottom: 6px; color: #fff; }
.ussd-copy p { color: rgba(255, 255, 255, .82); font-size: 15px; max-width: 52ch; }

.partners {
  margin-top: clamp(26px, 4vw, 40px);
  display: flex; align-items: center; justify-content: center;
  gap: 16px 22px; flex-wrap: wrap;
}
.partners-label { font-size: 13px; letter-spacing: .14em; text-transform: uppercase; color: var(--ink-faint); font-weight: 600; }
.partner-badge {
  font-family: var(--font-display); font-weight: 600; font-size: 15.5px;
  color: var(--ink-soft);
  border: 1.5px solid var(--line); border-radius: 999px;
  padding: 11px 24px;
  background: var(--surface);
}

/* ============================================================
   DOWNLOAD
   ============================================================ */
.download-card {
  background: var(--surface); border: 1px solid var(--line);
  border-radius: 26px; box-shadow: var(--shadow-pop);
  overflow: hidden;
  display: grid; grid-template-columns: 1.25fr .75fr;
  position: relative;
}
.download-copy { padding: clamp(30px, 5vw, 56px); }
.download-sub { margin-top: 12px; color: var(--ink-soft); max-width: 44ch; font-size: 1.05rem; }

.qr-wrap { margin-top: clamp(26px, 3.5vw, 38px); display: flex; gap: clamp(22px, 3.5vw, 40px); align-items: center; flex-wrap: wrap; }
.qr-box {
  background: #fff;
  border-radius: var(--radius-card);
  padding: 18px 18px 14px;
  box-shadow: 0 20px 45px -20px rgba(27, 77, 22, .45), 0 0 0 1px rgba(21, 35, 15, .07);
  display: flex; flex-direction: column; align-items: center; gap: 8px;
  flex: none;
}
#qrCanvas { width: min(280px, 62vw); height: auto; display: block; border-radius: 8px; }
.qr-caption { font-size: 13px; font-weight: 600; color: #4A5A44; text-align: center; }

.download-side { display: flex; flex-direction: column; align-items: flex-start; gap: 14px; min-width: min(300px, 100%); flex: 1; }
.play-badge {
  display: inline-flex; align-items: center; gap: 7px;
  font-size: 13px; font-weight: 600; color: var(--ink-faint);
  border: 1.5px dashed var(--line); border-radius: 999px; padding: 9px 18px;
}
.sideload-hint { font-size: 13.5px; color: var(--ink-faint); max-width: 38ch; }

.download-media { position: relative; min-height: 280px; }
.download-media img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; }
.download-media::after {
  content: ""; position: absolute; inset: 0;
  background: linear-gradient(90deg, var(--surface) 0%, transparent 24%);
}

/* ============================================================
   FOOTER
   ============================================================ */
.footer { border-top: 1px solid var(--line); background: var(--canvas); }
.footer-inner {
  max-width: var(--wrap); margin-inline: auto;
  padding: clamp(38px, 5vw, 56px) var(--pad);
  display: grid; grid-template-columns: auto 1fr auto;
  gap: 30px 44px; align-items: center;
}
.footer-brand { display: flex; align-items: center; gap: 13px; }
.footer-brand img { border-radius: 12px; }
.footer-word { display: block; font-family: var(--font-display); font-weight: 700; font-size: 20px; }
.footer-tag { display: block; font-size: 12.5px; color: var(--ink-faint); letter-spacing: .05em; }
.footer-links { display: flex; gap: 8px 24px; flex-wrap: wrap; justify-content: center; }
.footer-links a { text-decoration: none; color: var(--ink-soft); font-weight: 500; font-size: 14.5px; }
.footer-links a:hover { color: var(--ink); }
.footer-meta { display: flex; flex-direction: column; gap: 5px; text-align: right; }
.made { font-weight: 600; font-size: 14.5px; }
.disclaimer { font-size: 12.5px; color: var(--ink-faint); max-width: 40ch; }
.copyright { font-size: 12.5px; color: var(--ink-faint); }

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (max-width: 1080px) {
  .feature-grid { grid-template-columns: 1fr; max-width: 720px; margin-inline: auto; }
  .feature-card { flex-direction: row; }
  .feature-media { flex: 0 0 38%; aspect-ratio: auto; min-height: 100%; }
  .feature-body { flex: 1; }
  .steps { grid-template-columns: 1fr 1fr; }
  .steps::before { display: none; }
}

@media (max-width: 960px) {
  .hero { padding-top: 130px; padding-bottom: 120px; }
  .hero-inner { grid-template-columns: 1fr; text-align: center; }
  .hero-copy { display: flex; flex-direction: column; align-items: center; }
  .hero-body { max-width: 56ch; }
  .hero-ctas { justify-content: center; }
  .hero-photo { object-position: 58% 62%; }
  .ai-inner { grid-template-columns: 1fr; }
  .ai-chat { width: 100%; }
  .trust-grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 900px) {
  .nav-links { display: none; }
  .nav-burger { display: inline-flex; }
  .stats-card { grid-template-columns: 1fr 1fr; }
  .stat { border-left: 0; }
  .stat:nth-child(even) { border-left: 1px solid var(--line-soft); }
  .stat:nth-child(n+3) { border-top: 1px solid var(--line-soft); }
  .download-card { grid-template-columns: 1fr; }
  .download-media { order: -1; min-height: 0; aspect-ratio: 16 / 8.5; }
  .download-media::after { background: linear-gradient(0deg, var(--surface) 0%, transparent 30%); }
  .footer-inner { grid-template-columns: 1fr; text-align: center; }
  .footer-brand { justify-content: center; }
  .footer-meta { text-align: center; align-items: center; }
}

@media (max-width: 700px) {
  .feature-card { flex-direction: column; }
  .feature-media { flex: none; aspect-ratio: 16 / 9; min-height: 0; }
  .ussd-banner { flex-direction: column; text-align: center; align-items: center; }
  .ussd-copy p { margin-inline: auto; }
}

@media (max-width: 640px) {
  body { font-size: 16px; }
  .steps { grid-template-columns: 1fr; max-width: 460px; margin-inline: auto; }
  .btn-nav { display: none; }
  .hero-ctas { width: 100%; flex-direction: column; align-items: stretch; }
  .hero-ctas .btn { width: 100%; }
  .qr-wrap { justify-content: center; }
  .download-side { align-items: center; text-align: center; }
  .community-figure img { aspect-ratio: 4 / 3.4; }
  .community-figure figcaption { padding-bottom: 18px; }
}

@media (max-width: 400px) {
  .lang-btn { padding: 7px 9px; }
  .nav-inner { gap: 14px; }
  .nav-wordmark { font-size: 19px; }
}

/* ============================================================
   REDUCED MOTION
   ============================================================ */
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after {
    animation-duration: .01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: .01ms !important;
  }
  [data-reveal] { opacity: 1; transform: none; }
  .ai-chat .chat-bubble.user, .ai-chat .chat-typing, .ai-chat .chat-bubble.bot { opacity: 1; }
  .phone { animation: none; }
  .orb { animation: none; }
}

/* ============ FAQ ============ */
.faq-list { max-width: 760px; margin: 0 auto; display: flex; flex-direction: column; gap: 12px; }
.faq-item {
  background: var(--surface); border: 1px solid var(--line);
  border-radius: 16px; overflow: hidden;
  transition: border-color .25s ease, box-shadow .25s ease;
}
.faq-item[open] { border-color: var(--accent); box-shadow: var(--shadow-card); }
.faq-item summary {
  display: flex; align-items: center; justify-content: space-between; gap: 14px;
  padding: 18px 22px; cursor: pointer; list-style: none;
  font-family: var(--font-display); font-weight: 600; font-size: 1.02rem; color: var(--ink);
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-chev {
  flex: 0 0 auto; width: 10px; height: 10px;
  border-right: 2px solid var(--accent); border-bottom: 2px solid var(--accent);
  transform: rotate(45deg); transition: transform .25s ease; margin-top: -4px;
}
.faq-item[open] .faq-chev { transform: rotate(225deg); margin-top: 4px; }
:root[data-theme="dark"] .faq-chev { border-color: var(--gold); }
.faq-item p { padding: 0 22px 20px; margin: 0; color: var(--ink-soft); line-height: 1.65; font-size: .97rem; }