/* =============================================
   Inglis Horizon – Corporate banking landing
   Clean · Professional · Conversion-focused
   ============================================= */

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

:root {
    --header-height: 72px;
    --red: #c8102e;
    --red-dark: #a50d25;
    --navy: #0b1f33;
    --navy-mid: #16324f;
    --ink: #0f172a;
    --muted: #5b6b7c;
    --soft: #f4f6f8;
    --line: #e6ebf0;
    --white: #ffffff;
    --shadow-soft: 0 8px 28px rgba(11, 31, 51, 0.08);
    --radius: 0;
    --radius-sm: 0;
}

html {
    scroll-behavior: smooth;
}

body {
    font-family: 'Inter', system-ui, -apple-system, sans-serif;
    background: var(--white);
    color: var(--ink);
    line-height: 1.6;
    overflow-x: hidden;
}

h1,
h2,
h3,
h4 {
    font-weight: 700;
    letter-spacing: -0.02em;
    line-height: 1.2;
}

p {
    font-weight: 400;
}

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

button {
    font-family: 'Inter', system-ui, -apple-system, sans-serif;
    border: none;
    background: none;
    cursor: pointer;
    outline: none;
}

.hidden {
    display: none !important;
}

/* ---------- Buttons ---------- */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    padding: 13px 24px;
    font-size: 15px;
    font-weight: 600;
    border-radius: 0;
    transition: background 0.2s ease, color 0.2s ease, border-color 0.2s ease, box-shadow 0.2s ease;
    letter-spacing: 0.01em;
    border: 1.5px solid transparent;
    gap: 8px;
}

.btn-primary {
    background: var(--red);
    color: var(--white);
    box-shadow: 0 4px 14px rgba(200, 16, 46, 0.22);
}

.btn-primary:hover {
    background: var(--red-dark);
    box-shadow: 0 6px 18px rgba(200, 16, 46, 0.28);
}

.btn-secondary {
    background: transparent;
    color: var(--white);
    border-color: rgba(255, 255, 255, 0.55);
}

.btn-secondary:hover {
    background: rgba(255, 255, 255, 0.1);
}

.btn-light {
    background: var(--white);
    color: var(--navy);
    border-color: var(--white);
}

.btn-light:hover {
    background: var(--soft);
}

.btn-ghost-light {
    background: transparent;
    color: var(--white);
    border-color: rgba(255, 255, 255, 0.45);
}

.btn-ghost-light:hover {
    background: rgba(255, 255, 255, 0.08);
}

.btn-lg {
    padding: 16px 30px;
    font-size: 16px;
}

/* ---------- Top announcement ---------- */
.top-announcement-bar {
    background: var(--navy);
    color: var(--white);
    font-size: 13px;
    font-weight: 500;
    display: flex;
    align-items: center;
    justify-content: center;
    padding: 10px 40px;
    letter-spacing: 0.01em;
    line-height: 1.5;
    width: 100%;
    z-index: 1100;
    position: relative;
}

.announcement-text {
    text-align: center;
}

.announcement-text strong {
    font-weight: 700;
    letter-spacing: 0.06em;
    text-transform: uppercase;
    margin-right: 6px;
    color: #ffb3bf;
}

.close-announcement-btn {
    position: absolute;
    right: 18px;
    top: 50%;
    transform: translateY(-50%);
    color: rgba(255, 255, 255, 0.7);
    font-size: 20px;
    line-height: 1;
    transition: color 0.2s ease;
}

.close-announcement-btn:hover {
    color: var(--white);
}

/* ---------- Header (WHITE) ---------- */
.main-header {
    position: sticky;
    top: 0;
    z-index: 1000;
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 0 40px;
    height: var(--header-height);
    background: var(--white);
    border-bottom: 1px solid var(--line);
    color: var(--ink);
    transition: box-shadow 0.25s ease;
}

.main-header.scrolled {
    box-shadow: 0 4px 18px rgba(11, 31, 51, 0.08);
}

.header-left {
    display: flex;
    align-items: center;
    gap: 28px;
}

.header-right {
    display: flex;
    align-items: center;
    gap: 12px;
}

.logo {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    cursor: pointer;
    color: var(--ink) !important;
}

.logo-img {
    height: 36px;
    width: auto;
    display: block;
    object-fit: contain;
}

.logo-img-sm {
    height: 30px;
}

.logo-fallback {
    display: none;
    align-items: center;
    font-size: 20px;
    font-weight: 800;
    letter-spacing: -0.03em;
    color: var(--navy);
}

.nav-links-left {
    display: flex;
    align-items: center;
    gap: 22px;
}

.nav-links-left>a {
    font-size: 14px;
    font-weight: 500;
    color: var(--ink) !important;
    opacity: 0.8;
    transition: opacity 0.2s ease, color 0.2s ease;
}

.nav-links-left>a:hover {
    opacity: 1;
    color: var(--red) !important;
}

.header-right .nav-btn {
    border: 1.5px solid var(--line);
    color: var(--ink) !important;
    padding: 9px 14px;
    font-size: 13px;
    font-weight: 600;
    border-radius: 0;
    background: transparent;
    transition: all 0.2s ease;
}

.header-right .nav-btn:hover {
    border-color: var(--red);
    color: var(--red) !important;
}

.header-right .nav-btn-solid {
    background: var(--red);
    border: none !important;
    color: var(--white) !important;
    box-shadow: none;
}

.header-right .nav-btn-solid:hover {
    background: var(--red-dark);
    color: var(--white) !important;
}

/* Language selector */
.lang-dropdown {
    position: relative;
    display: inline-block;
}

.dropdown-trigger {
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: 13px;
    font-weight: 600;
    color: var(--ink) !important;
    background: var(--soft);
    border: 1px solid var(--line) !important;
    padding: 8px 12px;
    border-radius: 0;
    cursor: pointer;
    transition: all 0.2s ease;
}

.dropdown-trigger:hover {
    border-color: rgba(200, 16, 46, 0.35) !important;
}

.lang-dropdown .flag-icon {
    width: 22px;
    height: 14px;
    object-fit: cover;
    border-radius: 2px;
    border: 1px solid var(--line);
}

.dropdown-trigger .arrow {
    font-size: 10px;
    color: var(--muted);
    transition: transform 0.2s ease;
    display: inline-block;
}

.lang-dropdown.open .dropdown-trigger .arrow {
    transform: rotate(180deg);
}

.dropdown-content {
    display: none;
    position: absolute;
    right: 0;
    top: calc(100% + 6px);
    background: var(--white);
    border: 1px solid var(--line);
    border-radius: 0;
    box-shadow: var(--shadow-soft);
    z-index: 100;
    min-width: 120px;
    overflow: hidden;
}

.lang-dropdown.open .dropdown-content {
    display: flex;
    flex-direction: column;
}

.dropdown-content button {
    width: 100%;
    padding: 11px 14px;
    font-size: 13px;
    font-weight: 500;
    color: var(--muted);
    text-align: left;
    transition: all 0.15s ease;
}

.dropdown-content button:hover,
.dropdown-content button.active {
    background: #f8e9ec;
    color: var(--red);
}

/* Nav megamenu */
.nav-dropdown {
    position: relative;
}

.nav-dropdown-trigger {
    display: flex;
    align-items: center;
    gap: 6px;
    font-size: 14px;
    font-weight: 500;
    color: var(--ink) !important;
    opacity: 0.8;
    background: transparent;
    border: none;
    cursor: pointer;
    padding: 0;
    transition: opacity 0.2s ease, color 0.2s ease;
    font-family: 'Inter', system-ui, -apple-system, sans-serif;
}

.nav-dropdown-trigger:hover,
.nav-dropdown.open .nav-dropdown-trigger {
    opacity: 1;
    color: var(--red) !important;
}

.nav-dropdown-trigger .nav-arrow {
    font-size: 9px;
    color: var(--muted);
    transition: transform 0.2s ease;
    display: inline-block;
}

.nav-dropdown.open .nav-dropdown-trigger .nav-arrow {
    transform: rotate(180deg);
}

.nav-dropdown-content {
    display: none;
    position: absolute;
    left: 0;
    top: calc(100% + 14px);
    width: auto;
    background: var(--white);
    border: 1px solid var(--line);
    border-radius: 0;
    box-shadow: var(--shadow-soft);
    z-index: 200;
    padding: 28px 30px;
}

.nav-dropdown.open .nav-dropdown-content {
    display: flex;
    gap: 28px;
    flex-wrap: wrap;
}

.mega-column {
    min-width: 210px;
}

.mega-column-label {
    display: block;
    font-size: 11px;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.1em;
    color: var(--muted);
    margin-bottom: 14px;
}

.nav-dropdown-content a {
    display: block;
    padding: 10px 0;
    font-size: 15px;
    font-weight: 600;
    color: var(--ink) !important;
    opacity: 1 !important;
    transition: color 0.15s ease;
    line-height: 1.3;
}

.nav-dropdown-content a:hover {
    color: var(--red) !important;
}

.nav-dropdown-content a .mega-desc {
    display: block;
    font-size: 13px;
    font-weight: 400;
    color: var(--muted);
    margin-top: 3px;
    line-height: 1.4;
}

.mega-badge {
    display: flex;
    flex-direction: column;
    align-items: flex-start;
    background: var(--soft);
    border: 1px solid var(--line);
    padding: 20px 22px;
    min-width: 190px;
    border-radius: 0;
    align-self: flex-start;
}

.mega-badge-label {
    font-size: 10px;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.1em;
    color: var(--muted);
    margin-bottom: 6px;
}

.mega-badge-value {
    font-size: 26px;
    font-weight: 800;
    color: var(--red);
    letter-spacing: -0.02em;
    margin-bottom: 6px;
    line-height: 1;
}

.mega-badge-sub {
    font-size: 12px;
    font-weight: 400;
    color: var(--muted);
    line-height: 1.4;
}

.nav-dropdown-content .mega-badge-cta,
.nav-dropdown-content .mega-badge-cta:hover {
    color: var(--white) !important;
}

.mega-badge-cta {
    display: flex;
    align-items: center;
    justify-content: center;
    width: 100%;
    padding: 12px 16px;
    font-size: 12px;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.05em;
    background: var(--red);
    color: var(--white) !important;
    border-radius: 0;
    margin-top: 10px;
    transition: background 0.2s ease;
}

.mega-badge-cta:hover {
    background: var(--red-dark);
}

/* ---------- Shared section bits ---------- */
.section-container {
    max-width: 1180px;
    margin: 0 auto;
    padding: 0 24px;
    position: relative;
    z-index: 1;
}

.section-kicker {
    display: inline-block;
    font-size: 12px;
    font-weight: 700;
    letter-spacing: 0.12em;
    text-transform: uppercase;
    color: rgba(255, 255, 255, 0.85);
    margin-bottom: 14px;
    background: rgba(255, 255, 255, 0.1);
    border: 1px solid rgba(255, 255, 255, 0.18);
    padding: 7px 12px;
    border-radius: 0;
}

.section-kicker.dark {
    color: var(--red);
    background: #f8e9ec;
    border-color: #f0d0d6;
}

.section-title-lg {
    font-size: clamp(30px, 4.5vw, 44px);
    font-weight: 700;
    color: var(--white);
    margin-bottom: 16px;
    max-width: 720px;
}

.section-title-dark {
    font-size: clamp(30px, 4.5vw, 40px);
    font-weight: 700;
    color: var(--ink);
    margin-bottom: 14px;
}

.section-lead {
    font-size: 17px;
    color: rgba(255, 255, 255, 0.88);
    max-width: 560px;
    margin-bottom: 28px;
    line-height: 1.65;
}

.section-lead-dark {
    font-size: 17px;
    color: var(--muted);
    max-width: 560px;
    margin-bottom: 40px;
    line-height: 1.65;
}

/* ---------- HERO ---------- */
.hero-section {
    position: relative;
    overflow: hidden;
    background: var(--navy);
    color: var(--white);
    padding: 72px 0 90px;
    min-height: calc(100vh - var(--header-height) - 42px);
    display: flex;
    align-items: center;
}

.hero-clean {
    min-height: auto;
    padding: 110px 0 120px;
    justify-content: center;
    background-color: var(--navy);
    background-image: url('/hero-bg.jpg');
    background-size: cover;
    background-position: center;
    background-repeat: no-repeat;
}

.hero-clean::before {
    content: '';
    position: absolute;
    inset: 0;
    background: rgba(11, 31, 51, 0.72);
    z-index: 1;
}

.hero-clean>* {
    position: relative;
    z-index: 2;
}

.hero-blobs {
    display: none;
}

.blob {
    display: none;
}

.hero-inner {
    max-width: 1180px;
    margin: 0 auto;
    padding: 0 24px;
    display: grid;
    grid-template-columns: 1.1fr 0.9fr;
    gap: 48px;
    align-items: center;
    position: relative;
    z-index: 2;
}

.hero-inner.hero-inner-center {
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    grid-template-columns: none;
    width: 100%;
    max-width: 860px;
    margin-left: auto;
    margin-right: auto;
    text-align: center;
}

.hero-copy-center {
    width: 100%;
    display: flex;
    flex-direction: column;
    align-items: center;
    text-align: center;
}

.hero-copy-center .badge-pill,
.hero-copy-center .hero-title,
.hero-copy-center .hero-subtitle {
    margin-left: auto;
    margin-right: auto;
    text-align: center;
}

.hero-copy-center .hero-title {
    max-width: 760px;
    width: 100%;
}

.hero-copy-center .hero-subtitle {
    max-width: 640px;
    width: 100%;
}

.hero-actions-center,
.hero-trust-center {
    justify-content: center;
    width: 100%;
}

.badge-pill {
    display: inline-flex;
    align-items: center;
    font-size: 12px;
    font-weight: 700;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    padding: 8px 14px;
    border-radius: 0;
    background: var(--red);
    border: none;
    margin-bottom: 20px;
    color: var(--white);
}

.hero-title {
    font-size: clamp(34px, 5vw, 54px);
    font-weight: 700;
    color: var(--white);
    margin-bottom: 18px;
}

.hero-subtitle {
    font-size: 18px;
    color: rgba(255, 255, 255, 0.88);
    max-width: 540px;
    margin-bottom: 28px;
    line-height: 1.65;
}

.hero-actions {
    display: flex;
    flex-wrap: wrap;
    gap: 12px;
    margin-bottom: 36px;
}

.hero-trust {
    display: flex;
    flex-wrap: wrap;
    gap: 14px;
}

.trust-item {
    background: rgba(255, 255, 255, 0.08);
    border: 1px solid rgba(255, 255, 255, 0.14);
    border-radius: 8px;
    padding: 12px 16px;
    min-width: 120px;
}

.trust-num {
    display: block;
    font-size: 20px;
    font-weight: 700;
    color: var(--white);
    line-height: 1.1;
}

.trust-label {
    font-size: 12px;
    color: rgba(255, 255, 255, 0.72);
    font-weight: 500;
}

/* ---------- Merchants page extras ---------- */
.merchant-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 16px;
    margin-top: 36px;
}

.merchant-card {
    background: var(--white);
    border: 1px solid var(--line);
    border-radius: var(--radius);
    padding: 28px;
    color: var(--ink);
    transition: border-color 0.2s ease, box-shadow 0.2s ease;
}

.merchant-card:hover {
    border-color: #d7dee6;
    box-shadow: var(--shadow-soft);
}

.merchant-card h3 {
    font-size: 18px;
    margin: 0 0 10px;
    color: var(--ink);
}

.merchant-card p {
    font-size: 15px;
    color: var(--muted);
    line-height: 1.55;
}

.merchant-icon {
    display: none;
}

.merchant-pricing-box {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 18px;
    margin-top: 36px;
}

.merchant-price-card {
    background: var(--white);
    border-radius: var(--radius);
    padding: 32px;
    box-shadow: var(--shadow-soft);
    border: 1px solid var(--line);
    color: var(--ink);
}

.merchant-price-card.featured {
    background: var(--navy);
    color: var(--white);
    border-color: var(--navy);
}

.merchant-price-card h3 {
    font-size: 20px;
    margin-bottom: 8px;
}

.merchant-price-card .price {
    font-size: 40px;
    font-weight: 700;
    margin: 12px 0 6px;
    color: inherit;
    background: none;
    -webkit-text-fill-color: unset;
}

.merchant-price-card.featured .price {
    color: var(--white);
}

.merchant-price-card .period {
    font-size: 13px;
    opacity: 0.75;
    margin-bottom: 16px;
}

.merchant-price-card ul {
    list-style: none;
    margin: 0 0 22px;
    display: flex;
    flex-direction: column;
    gap: 10px;
}

.merchant-price-card li {
    font-size: 14px;
    display: flex;
    gap: 8px;
}

.section-merchants-light {
    background: var(--soft);
    padding: 90px 0;
    color: var(--ink);
}

/* ---------- ACCOUNT ---------- */
.section-account {
    background: var(--navy-mid);
    color: var(--white);
    padding: 100px 0;
}

.account-header {
    margin-bottom: 40px;
}

.account-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 16px;
    margin-bottom: 36px;
}

.account-card {
    background: rgba(255, 255, 255, 0.08);
    border: 1px solid rgba(255, 255, 255, 0.14);
    border-radius: var(--radius);
    padding: 24px;
    color: var(--white);
    transition: background 0.2s ease;
    min-height: 180px;
}

.account-card:hover {
    background: rgba(255, 255, 255, 0.12);
}

.account-icon {
    display: none;
}

.account-card h3 {
    font-size: 18px;
    margin-bottom: 8px;
    color: var(--white);
}

.account-card p {
    font-size: 14px;
    color: rgba(255, 255, 255, 0.82);
    line-height: 1.55;
}

.account-cta-row {
    display: flex;
    flex-wrap: wrap;
    gap: 12px;
}

/* ---------- CREDIT ---------- */
.section-credit {
    background: var(--red);
    color: var(--white);
    padding: 90px 0;
}

.credit-banner {
    display: grid;
    grid-template-columns: 1.3fr 0.7fr;
    gap: 30px;
    align-items: center;
    background: rgba(0, 0, 0, 0.12);
    border: 1px solid rgba(255, 255, 255, 0.16);
    border-radius: 0;
    padding: 40px;
}

.credit-stats {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 12px;
    margin: 24px 0 28px;
}

.credit-stats div {
    background: rgba(0, 0, 0, 0.14);
    border-radius: 0;
    padding: 14px;
}

.credit-stats strong {
    display: block;
    font-size: 20px;
    font-weight: 700;
    color: var(--white);
    margin-bottom: 4px;
}

.credit-stats span {
    font-size: 12px;
    color: rgba(255, 255, 255, 0.85);
}

.credit-banner-visual {
    display: flex;
    justify-content: center;
}

.credit-meter {
    text-align: center;
    color: var(--white);
}

.meter-ring {
    width: 150px;
    height: 150px;
    border-radius: 50%;
    background: rgba(255, 255, 255, 0.12);
    border: 6px solid rgba(255, 255, 255, 0.35);
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 14px;
}

.meter-value {
    font-size: 34px;
    font-weight: 700;
    color: var(--white);
}

.credit-meter p {
    font-size: 14px;
    font-weight: 600;
    color: rgba(255, 255, 255, 0.9);
}

/* ---------- FEATURES ---------- */
.section-features {
    background: var(--soft);
    padding: 100px 0;
    color: var(--ink);
}

.features-header {
    margin-bottom: 10px;
}

.features-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 16px;
}

.feature-card {
    border-radius: var(--radius);
    padding: 28px;
    min-height: 190px;
    color: var(--ink);
    background: var(--white);
    border: 1px solid var(--line);
    box-shadow: none;
    transition: border-color 0.2s ease, box-shadow 0.2s ease;
}

.feature-card:hover {
    border-color: #d7dee6;
    box-shadow: var(--shadow-soft);
    transform: none;
}

.feature-num {
    display: block;
    font-size: 13px;
    font-weight: 700;
    opacity: 1;
    margin-bottom: 14px;
    color: var(--red);
}

.feature-card h3 {
    font-size: 18px;
    margin-bottom: 10px;
    color: var(--ink);
}

.feature-card p {
    font-size: 15px;
    color: var(--muted);
    line-height: 1.55;
}

.f-purple,
.f-blue,
.f-pink,
.f-orange,
.f-teal,
.f-violet {
    background: var(--white);
}

/* ---------- HOW ---------- */
.section-how {
    background: var(--navy);
    color: var(--white);
    padding: 100px 0;
}

/* Merchant cards on dark sections stay light for readability */
.section-how .merchant-card {
    background: var(--white);
    border-color: var(--line);
    color: var(--ink);
}

.section-how .merchant-card h3 {
    color: var(--ink);
}

.section-how .merchant-card p {
    color: var(--muted);
}

.section-how .section-kicker {
    color: rgba(255, 255, 255, 0.85);
}

.section-how .section-title-lg,
.section-how .section-lead {
    color: var(--white);
}

.section-how .section-lead {
    color: rgba(255, 255, 255, 0.88);
}


.how-header {
    margin-bottom: 40px;
}

.steps-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 16px;
}

.step-card {
    background: rgba(255, 255, 255, 0.06);
    border: 1px solid rgba(255, 255, 255, 0.12);
    border-radius: var(--radius);
    padding: 28px;
    color: var(--white);
    min-height: 200px;
    transition: background 0.2s ease;
}

.step-card:hover {
    background: rgba(255, 255, 255, 0.1);
    transform: none;
}

.step-number {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 40px;
    height: 40px;
    border-radius: 0;
    background: var(--red);
    color: var(--white);
    font-size: 16px;
    font-weight: 700;
    margin-bottom: 18px;
}

.step-card h3 {
    font-size: 18px;
    margin-bottom: 10px;
    color: var(--white);
}

.step-card p {
    font-size: 15px;
    color: rgba(255, 255, 255, 0.82);
}

/* ---------- FINAL CTA ---------- */
.section-final-cta {
    background: var(--soft);
    padding: 90px 0;
    color: var(--ink);
}

.final-cta-box {
    text-align: center;
    max-width: 720px;
    margin: 0 auto;
    background: var(--white);
    border: 1px solid var(--line);
    border-radius: 0;
    padding: 48px 28px;
    box-shadow: var(--shadow-soft);
}

.final-cta-box h2 {
    font-size: clamp(26px, 3.5vw, 36px);
    color: var(--ink);
    margin-bottom: 12px;
}

.final-cta-box p {
    font-size: 16px;
    color: var(--muted);
    margin-bottom: 26px;
}

.final-cta-box .btn-primary {
    color: var(--white);
}

/* ---------- Footer ---------- */
.main-footer {
    background: #000000;
    color: var(--white);
    padding: 70px 24px 30px;
}

.footer-container {
    max-width: 1180px;
    margin: 0 auto;
    display: grid;
    grid-template-columns: 2fr 1fr 1fr;
    gap: 40px;
}

.footer-brand .logo {
    margin-bottom: 14px;
}

.footer-brand .logo-fallback {
    display: none;
    color: var(--white);
    background: none;
    -webkit-text-fill-color: initial;
}

.footer-brand p {
    font-size: 14px;
    color: rgba(255, 255, 255, 0.65);
    max-width: 360px;
}

.footer-company {
    margin-top: 16px;
    font-size: 13px;
    line-height: 1.7;
    color: rgba(255, 255, 255, 0.55);
    max-width: 360px;
}

.footer-company strong {
    display: block;
    color: rgba(255, 255, 255, 0.8);
    font-weight: 600;
    margin-bottom: 4px;
}

.footer-container h4 {
    font-size: 12px;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.1em;
    margin-bottom: 18px;
    color: rgba(255, 255, 255, 0.45);
}

.footer-container a {
    display: block;
    font-size: 14px;
    font-weight: 400;
    color: rgba(255, 255, 255, 0.78);
    margin-bottom: 10px;
    transition: color 0.2s ease;
}

.footer-container a:hover {
    color: var(--white);
}

.footer-bottom {
    max-width: 1180px;
    margin: 40px auto 0;
    padding-top: 20px;
    border-top: 1px solid rgba(255, 255, 255, 0.1);
    font-size: 12px;
    color: rgba(255, 255, 255, 0.45);
}

/* ---------- Cookie popup ---------- */
.cookie-popup {
    position: fixed;
    bottom: 0;
    left: 0;
    width: 100%;
    background: var(--white);
    color: var(--ink);
    border-top: 1px solid var(--line);
    z-index: 1200;
    padding: 24px;
    box-shadow: 0 -12px 32px rgba(11, 31, 51, 0.12);
    transition: transform 0.3s ease;
}

.cookie-popup.hidden {
    transform: translateY(110%);
    display: block !important;
}

.cookie-content {
    max-width: 1100px;
    margin: 0 auto;
    display: grid;
    grid-template-columns: 1.5fr 1fr;
    gap: 24px;
    align-items: center;
}

.cookie-header h3 {
    font-size: 18px;
    margin-bottom: 6px;
}

.cookie-body p {
    font-size: 14px;
    color: var(--muted);
}

.cookie-footer {
    display: flex;
    justify-content: flex-end;
    gap: 12px;
    align-items: center;
    flex-wrap: wrap;
}

.cookie-main-buttons {
    display: flex;
    gap: 10px;
    flex-wrap: wrap;
}

.btn-cookie {
    padding: 10px 16px;
    font-size: 13px;
    font-weight: 600;
    border-radius: 0;
    transition: all 0.2s ease;
}

.btn-cookie-primary {
    background: var(--red);
    color: var(--white);
}

.btn-cookie-primary:hover {
    background: var(--red-dark);
}

.btn-cookie-secondary {
    background: var(--soft);
    color: var(--ink);
    border: 1px solid var(--line);
}

.cookie-preferences {
    margin-top: 16px;
    border-top: 1px solid var(--line);
    padding-top: 16px;
    display: flex;
    flex-direction: column;
    gap: 12px;
}

.pref-item {
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 12px;
}

.pref-name {
    display: block;
    font-size: 14px;
    font-weight: 600;
}

.pref-desc {
    display: block;
    font-size: 12px;
    color: var(--muted);
    margin-top: 2px;
}

.pref-item input[type="checkbox"] {
    width: 18px;
    height: 18px;
    accent-color: var(--red);
}

/* ---------- Pricing / Credits shared helpers ---------- */
.page-hero {
    background: var(--navy);
    color: var(--white);
    padding: 80px 24px 70px;
    position: relative;
    overflow: hidden;
}

.page-hero-inner {
    max-width: 900px;
    margin: 0 auto;
    text-align: center;
    position: relative;
    z-index: 1;
}

.page-hero h1 {
    font-size: clamp(32px, 4.5vw, 48px);
    color: var(--white);
    margin-bottom: 14px;
}

.page-hero p {
    font-size: 18px;
    color: rgba(255, 255, 255, 0.88);
    max-width: 640px;
    margin: 0 auto;
}

.pricing-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 20px;
    max-width: 980px;
    margin: -40px auto 0;
    padding: 0 24px 80px;
    position: relative;
    z-index: 2;
}

.pricing-offer {
    background: var(--white);
    border-radius: var(--radius);
    padding: 32px;
    box-shadow: var(--shadow-soft);
    border: 1px solid var(--line);
    display: flex;
    flex-direction: column;
    color: var(--ink);
}

.pricing-offer.featured {
    background: var(--navy);
    color: var(--white);
    border: 1px solid var(--navy);
}

.pricing-offer .offer-badge {
    display: inline-flex;
    width: fit-content;
    font-size: 11px;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.08em;
    padding: 6px 10px;
    border-radius: 0;
    background: #f8e9ec;
    color: var(--red);
    margin-bottom: 12px;
}

.pricing-offer.featured .offer-badge {
    background: rgba(255, 255, 255, 0.12);
    color: var(--white);
}

.pricing-offer h2 {
    font-size: 22px;
    margin-bottom: 8px;
}

.pricing-offer .price {
    font-size: 40px;
    font-weight: 700;
    margin-bottom: 4px;
}

.pricing-offer .period {
    font-size: 13px;
    color: var(--muted);
    margin-bottom: 16px;
}

.pricing-offer.featured .period {
    color: rgba(255, 255, 255, 0.75);
}

.pricing-offer .desc {
    font-size: 14px;
    color: var(--muted);
    margin-bottom: 20px;
    line-height: 1.55;
}

.pricing-offer.featured .desc {
    color: rgba(255, 255, 255, 0.85);
}

.pricing-offer ul {
    list-style: none;
    margin: 0 0 24px;
    display: flex;
    flex-direction: column;
    gap: 10px;
    flex: 1;
}

.pricing-offer li {
    font-size: 14px;
    display: flex;
    gap: 8px;
    align-items: flex-start;
}

.pricing-offer .btn-offer {
    display: inline-flex;
    justify-content: center;
    align-items: center;
    width: 100%;
    padding: 14px;
    border-radius: 0;
    font-weight: 700;
    background: var(--red);
    color: var(--white);
    transition: background 0.2s ease;
}

.pricing-offer .btn-offer:hover {
    background: var(--red-dark);
    transform: none;
}

.pricing-offer.featured .btn-offer {
    background: var(--white);
    color: var(--navy);
}

.pricing-offer.featured .btn-offer:hover {
    background: var(--soft);
}

.compare-wrap {
    max-width: 980px;
    margin: 0 auto;
    padding: 20px 24px 90px;
}

.compare-wrap h2 {
    font-size: 28px;
    margin-bottom: 24px;
    text-align: center;
}

.comparison-tabs {
    display: none;
    gap: 8px;
    margin-bottom: 16px;
}

.tab-btn {
    flex: 1;
    padding: 12px;
    border-radius: 0;
    font-size: 13px;
    font-weight: 600;
    background: #eef2f6;
    color: var(--muted);
}

.tab-btn.active {
    background: var(--red);
    color: var(--white);
}

.comparison-table {
    width: 100%;
    border-collapse: collapse;
    background: var(--white);
    border-radius: 0;
    overflow: hidden;
    box-shadow: var(--shadow-soft);
    border: 1px solid var(--line);
}

.comparison-table th,
.comparison-table td {
    padding: 16px 18px;
    border-bottom: 1px solid var(--line);
    text-align: left;
    font-size: 14px;
}

.comparison-table thead th {
    background: var(--soft);
    font-size: 12px;
    text-transform: uppercase;
    letter-spacing: 0.06em;
    color: var(--muted);
}

.comparison-table tr.group-header td {
    background: #f8e9ec;
    font-weight: 700;
    color: var(--red);
    font-size: 12px;
    text-transform: uppercase;
    letter-spacing: 0.06em;
}

.comparison-table td.highlight-val {
    color: var(--red);
    font-weight: 700;
}

.icon-check {
    color: var(--red);
    font-weight: 700;
}

/* Credits page */
.credit-products-modern {
    padding: 70px 24px;
    background: var(--soft);
}

.credit-products-inner {
    max-width: 1100px;
    margin: 0 auto;
}

.credit-products-modern .section-heading {
    font-size: 30px;
    margin-bottom: 28px;
    color: var(--ink);
}

.credit-cards-modern {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 18px;
}

.credit-card-modern {
    background: var(--white);
    border-radius: var(--radius);
    padding: 32px;
    box-shadow: var(--shadow-soft);
    border: 1px solid var(--line);
}

.credit-card-modern .product-tag {
    display: inline-flex;
    font-size: 11px;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.08em;
    padding: 6px 10px;
    border-radius: 0;
    background: #f8e9ec;
    color: var(--red);
    margin-bottom: 14px;
}

.credit-card-modern h3 {
    font-size: 22px;
    margin-bottom: 8px;
}

.credit-card-modern .credit-limit {
    font-size: 32px;
    font-weight: 700;
    color: var(--navy);
    background: none;
    -webkit-text-fill-color: unset;
    margin-bottom: 4px;
}

.credit-card-modern .credit-limit-label {
    font-size: 13px;
    color: var(--muted);
    margin-bottom: 16px;
}

.credit-card-modern .credit-desc {
    font-size: 14px;
    color: var(--muted);
    margin-bottom: 18px;
    line-height: 1.6;
}

.credit-specs {
    list-style: none;
    margin: 0 0 22px;
    border-top: 1px solid var(--line);
}

.credit-specs li {
    display: flex;
    justify-content: space-between;
    gap: 12px;
    padding: 12px 0;
    border-bottom: 1px solid var(--line);
    font-size: 14px;
}

.credit-specs .spec-label {
    color: var(--muted);
}

.credit-specs .spec-value {
    font-weight: 700;
    color: var(--ink);
}

.btn-apply {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    padding: 13px 20px;
    border-radius: 0;
    background: var(--red);
    color: var(--white);
    font-weight: 700;
    font-size: 14px;
    transition: background 0.2s ease;
}

.btn-apply:hover {
    background: var(--red-dark);
    transform: none;
}

.credit-process-modern {
    background: var(--navy);
    color: var(--white);
    padding: 80px 24px;
}

.credit-process-inner {
    max-width: 1100px;
    margin: 0 auto;
}

.credit-process-modern .section-heading {
    font-size: 30px;
    color: var(--white);
    margin-bottom: 28px;
}

.process-steps-modern {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 14px;
}

.process-step-modern {
    background: rgba(255, 255, 255, 0.06);
    border: 1px solid rgba(255, 255, 255, 0.12);
    border-radius: 0;
    padding: 22px;
    color: var(--white);
}

.process-step-modern .step-num {
    display: inline-flex;
    width: 34px;
    height: 34px;
    align-items: center;
    justify-content: center;
    border-radius: 0;
    background: var(--red);
    color: var(--white);
    font-weight: 700;
    margin-bottom: 12px;
}

.process-step-modern h4 {
    font-size: 16px;
    margin-bottom: 8px;
    color: var(--white);
}

.process-step-modern p {
    font-size: 13px;
    color: rgba(255, 255, 255, 0.82);
    line-height: 1.5;
}

.credit-legal-modern {
    padding: 40px 24px 70px;
    background: var(--white);
}

.credit-legal-modern p {
    max-width: 900px;
    margin: 0 auto 10px;
    font-size: 12px;
    color: var(--muted);
    line-height: 1.7;
}

/* ---------- Responsive ---------- */
@media (max-width: 1024px) {

    .hero-inner,
    .split-layout,
    .credit-banner {
        grid-template-columns: 1fr;
    }

    .account-grid,
    .features-grid,
    .steps-grid,
    .merchant-grid {
        grid-template-columns: 1fr 1fr;
    }

    .merchant-pricing-box {
        grid-template-columns: 1fr;
    }
}

@media (max-width: 900px) {
    .main-header {
        padding: 0 16px;
        height: auto;
        min-height: var(--header-height);
        flex-wrap: wrap;
        gap: 10px;
        padding-top: 10px;
        padding-bottom: 10px;
    }

    .nav-links-left {
        display: none;
    }

    .header-right .nav-btn:not(.nav-btn-solid) {
        display: none;
    }

    .pricing-grid,
    .credit-cards-modern,
    .process-steps-modern,
    .footer-container {
        grid-template-columns: 1fr;
    }

    .credit-stats {
        grid-template-columns: 1fr;
    }
}

@media (max-width: 700px) {
    .top-announcement-bar {
        padding: 10px 36px 10px 14px;
        font-size: 12px;
    }

    .hero-section,
    .section-split,
    .section-account,
    .section-credit,
    .section-features,
    .section-how,
    .section-final-cta {
        padding: 70px 0;
    }

    .account-grid,
    .features-grid,
    .steps-grid,
    .merchant-grid {
        grid-template-columns: 1fr;
    }

    .hero-actions,
    .account-cta-row {
        flex-direction: column;
        align-items: stretch;
    }

    .btn {
        width: 100%;
    }

    .cookie-content {
        grid-template-columns: 1fr;
    }

    .cookie-footer {
        justify-content: stretch;
        flex-direction: column;
        align-items: stretch;
    }

    .comparison-tabs {
        display: flex;
    }

    .comparison-table th.col-jeune,
    .comparison-table td.col-jeune,
    .comparison-table th.col-plus,
    .comparison-table td.col-plus {
        display: none;
    }

    .comparison-table.show-jeune th.col-jeune,
    .comparison-table.show-jeune td.col-jeune,
    .comparison-table.show-plus th.col-plus,
    .comparison-table.show-plus td.col-plus {
        display: table-cell;
    }
}
/* The footer sits on black, where the dark wordmark of the logo would disappear.
   Flatten it to pure white rather than shipping a second asset. */
.footer-brand .logo-img {
    filter: brightness(0) invert(1);
}