/* =========================================================
   Next Gen Innovations Nepal — Main Stylesheet
   Premium Light Theme | Outfit + Inter fonts
   ========================================================= */

@import url('https://fonts.googleapis.com/css2?family=Outfit:wght@300;400;500;600;700;800;900&family=Inter:wght@300;400;500;600;700&display=swap');

/* ─── CSS TOKENS ─────────────────────────────────────────── */
:root {
  --navy:       #0F1C3F;
  --indigo:     #1A348A;
  --indigo-mid: #2a4bc4;
  --teal:       #00C9B1;
  --teal-light: #00e5cf;
  --white:      #FFFFFF;
  --off-white:  #F4F7FF;
  --surface:    #EEF2FF;
  --border:     rgba(26,52,138,0.12);
  --text-main:  #0F1C3F;
  --text-body:  #3a4a6b;
  --text-muted: #7a8ab0;
  --shadow-sm:  0 2px 12px rgba(15,28,63,0.08);
  --shadow-md:  0 8px 30px rgba(15,28,63,0.12);
  --shadow-lg:  0 20px 60px rgba(15,28,63,0.18);
  --radius-sm:  8px;
  --radius-md:  16px;
  --radius-lg:  24px;
  --radius-xl:  32px;
  --transition: 0.3s cubic-bezier(0.4,0,0.2,1);
}

/* ─── RESET & BASE ───────────────────────────────────────── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }

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

h1,h2,h3,h4,h5,h6 {
  font-family: 'Outfit', sans-serif;
  line-height: 1.2;
  color: var(--navy);
}

a { color: inherit; text-decoration: none; }
img { max-width: 100%; display: block; }
ul { list-style: none; }

/* ─── LAYOUT ─────────────────────────────────────────────── */
.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
}

.section {
  padding: 96px 0;
}

.section-alt {
  background: var(--off-white);
}

/* ─── TYPOGRAPHY UTILS ───────────────────────────────────── */
.section-eyebrow {
  display: inline-block;
  font-family: 'Outfit', sans-serif;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 3px;
  text-transform: uppercase;
  color: var(--teal);
  margin-bottom: 12px;
}

.section-title {
  font-size: clamp(2rem, 4vw, 2.8rem);
  font-weight: 800;
  color: var(--navy);
  margin-bottom: 16px;
  line-height: 1.15;
}

.section-subtitle {
  font-size: 1.1rem;
  color: var(--text-body);
  max-width: 620px;
  line-height: 1.7;
}

.text-center { text-align: center; }
.text-teal   { color: var(--teal); }
.text-indigo { color: var(--indigo); }

.highlight {
  background: linear-gradient(135deg, var(--indigo), var(--teal));
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

/* ─── BUTTONS ────────────────────────────────────────────── */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 32px;
  border-radius: 50px;
  font-family: 'Outfit', sans-serif;
  font-size: 0.95rem;
  font-weight: 600;
  cursor: pointer;
  border: none;
  transition: all var(--transition);
  white-space: nowrap;
}

.btn-primary {
  background: linear-gradient(135deg, var(--indigo), var(--indigo-mid));
  color: var(--white);
  box-shadow: 0 4px 20px rgba(26,52,138,0.35);
}

.btn-primary:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 30px rgba(26,52,138,0.45);
  background: linear-gradient(135deg, #152f7f, var(--indigo-mid));
}

.btn-outline {
  background: rgba(255, 255, 255, 0.1);
  backdrop-filter: blur(4px);
  color: var(--indigo);
  border: 2px solid var(--indigo);
  box-shadow: 0 4px 15px rgba(26,52,138,0.1);
}

.btn-outline:hover {
  background: var(--indigo);
  color: white;
  transform: translateY(-2px);
  box-shadow: 0 8px 25px rgba(26,52,138,0.3);
}

.btn-teal {
  background: linear-gradient(135deg, var(--teal), #00aaa0);
  color: var(--navy);
  font-weight: 700;
  box-shadow: 0 4px 20px rgba(0,201,177,0.35);
}

.btn-teal:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 30px rgba(0,201,177,0.5);
}

.btn-lg {
  padding: 18px 42px;
  font-size: 1.05rem;
}

/* ─── NAVBAR ─────────────────────────────────────────────── */
.navbar {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  padding: 0 24px;
  transition: all var(--transition);
  background: rgba(15, 28, 63, 0.9);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  border-bottom: 1px solid rgba(255,255,255,0.05);
}

.navbar.scrolled {
  background: rgba(15, 28, 63, 0.98);
  box-shadow: var(--shadow-md);
  border-bottom-color: rgba(255,255,255,0.1);
}

.navbar .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 72px;
}

.nav-logo img {
  height: 44px;
  width: auto;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 4px;
}

.nav-links li a {
  padding: 8px 16px;
  border-radius: 8px;
  font-family: 'Outfit', sans-serif;
  font-size: 0.9rem;
  font-weight: 500;
  color: rgba(255,255,255,0.8);
  transition: all var(--transition);
}

.nav-links li a:hover,
.nav-links li a.active {
  color: var(--teal);
  background: rgba(255,255,255,0.08);
}

.nav-cta {
  background: linear-gradient(135deg, var(--indigo), var(--indigo-mid)) !important;
  color: white !important;
  border-radius: 50px !important;
  padding: 9px 22px !important;
  font-weight: 600 !important;
}

.nav-cta:hover {
  background: var(--navy) !important;
  transform: translateY(-1px);
}

.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  padding: 8px;
  border-radius: 8px;
  transition: background var(--transition);
}

.hamburger:hover { background: var(--surface); }

.hamburger span {
  width: 24px;
  height: 2.5px;
  background: var(--white);
  border-radius: 4px;
  transition: all var(--transition);
  display: block;
}

.hamburger.open span:nth-child(1) { transform: translateY(7.5px) rotate(45deg); }
.hamburger.open span:nth-child(2) { opacity: 0; transform: scaleX(0); }
.hamburger.open span:nth-child(3) { transform: translateY(-7.5px) rotate(-45deg); }

/* ─── HERO ───────────────────────────────────────────────── */
.hero {
  min-height: 100vh;
  display: flex;
  align-items: center;
  position: relative;
  overflow: hidden;
  background: radial-gradient(circle at 10% 20%, rgb(239, 246, 255) 0%, rgb(219, 234, 254) 90%);
  padding-top: 72px;
}

.hero::before {
  content: '';
  position: absolute;
  top: -20%;
  right: -10%;
  width: 70%;
  height: 120%;
  background: radial-gradient(ellipse at center, rgba(26,52,138,0.08) 0%, transparent 70%);
  border-radius: 50%;
}

.hero::after {
  content: '';
  position: absolute;
  bottom: -10%;
  left: -5%;
  width: 50%;
  height: 80%;
  background: radial-gradient(ellipse at center, rgba(0,201,177,0.08) 0%, transparent 70%);
  border-radius: 50%;
}

.hero-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
  position: relative;
  z-index: 1;
  padding: 80px 0;
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(26,52,138,0.08);
  color: var(--indigo);
  border: 1px solid rgba(26,52,138,0.15);
  border-radius: 50px;
  padding: 6px 16px;
  font-size: 0.82rem;
  font-weight: 600;
  margin-bottom: 24px;
}

.hero-badge .dot {
  width: 7px; height: 7px;
  background: var(--teal);
  border-radius: 50%;
  animation: pulse 2s infinite;
}

.hero h1 {
  font-size: clamp(2.5rem, 5vw, 3.8rem);
  font-weight: 900;
  color: var(--navy);
  line-height: 1.1;
  margin-bottom: 24px;
  letter-spacing: -0.5px;
}

.hero-sub {
  font-size: 1.15rem;
  color: var(--text-body);
  line-height: 1.75;
  margin-bottom: 40px;
  max-width: 520px;
}

.hero-nepali {
  font-size: 0.9rem;
  color: var(--teal);
  font-weight: 500;
  letter-spacing: 1px;
  margin-bottom: 32px;
}

.hero-btns {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
  margin-bottom: 56px;
}

.hero-stats {
  display: flex;
  gap: 40px;
}

.stat-item { text-align: left; }

.stat-num {
  font-family: 'Outfit', sans-serif;
  font-size: 2rem;
  font-weight: 800;
  color: var(--navy);
  line-height: 1;
}

.stat-label {
  font-size: 0.8rem;
  color: var(--text-muted);
  margin-top: 4px;
  font-weight: 500;
}

/* Hero visual (right side) */
.hero-visual {
  display: flex;
  justify-content: center;
  align-items: center;
  position: relative;
}

.hero-card-stack {
  position: relative;
  width: 380px;
  height: 380px;
}

.hero-float-card {
  position: absolute;
  background: rgba(255, 255, 255, 0.65);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  border: 1px solid rgba(255, 255, 255, 0.4);
  border-radius: var(--radius-md);
  box-shadow: 0 8px 32px 0 rgba(31, 38, 135, 0.08);
  padding: 20px 24px;
  animation: float 4s ease-in-out infinite;
}

.hero-float-card:nth-child(1) {
  top: 10px; left: 0;
  animation-delay: 0s;
  display: flex;
  align-items: center;
  gap: 14px;
  min-width: 200px;
}

.hero-float-card:nth-child(2) {
  bottom: 60px; right: 0;
  animation-delay: 1.5s;
  text-align: center;
  padding: 24px;
}

.hero-float-card:nth-child(3) {
  top: 50%; left: 50%;
  transform: translate(-50%, -50%);
  width: 200px;
  padding: 28px;
  text-align: center;
}

.fc-icon {
  width: 42px; height: 42px;
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.4rem;
  flex-shrink: 0;
}

.fc-icon.blue  { background: rgba(26,52,138,0.1); }
.fc-icon.teal  { background: rgba(0,201,177,0.12); }
.fc-icon.green { background: rgba(16,185,129,0.12); }

.fc-title { font-family: 'Outfit', sans-serif; font-size: 0.85rem; font-weight: 700; color: var(--navy); }
.fc-sub   { font-size: 0.75rem; color: var(--text-muted); }
.fc-num   { font-family: 'Outfit', sans-serif; font-size: 1.6rem; font-weight: 800; color: var(--indigo); }

/* ─── SERVICES ───────────────────────────────────────────── */
.services-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
  margin-top: 56px;
}

.service-card {
  background: rgba(255, 255, 255, 0.7);
  backdrop-filter: blur(10px);
  -webkit-backdrop-filter: blur(10px);
  border: 1px solid rgba(255, 255, 255, 0.6);
  border-radius: var(--radius-md);
  padding: 36px 28px;
  box-shadow: 0 4px 24px rgba(15, 28, 63, 0.04);
  transition: all var(--transition);
  cursor: pointer;
  position: relative;
  overflow: hidden;
}

.service-card::before {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, var(--indigo), var(--teal));
  opacity: 0;
  transition: opacity var(--transition);
  z-index: 0;
}

.service-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-lg);
  border-color: transparent;
}

.service-card:hover::before { opacity: 1; }
.service-card:hover .svc-icon-wrap { background: rgba(255,255,255,0.15); }
.service-card:hover .svc-title,
.service-card:hover .svc-desc,
.service-card:hover .svc-arrow { color: white; }

.service-card > * { position: relative; z-index: 1; }

.svc-icon-wrap {
  width: 58px; height: 58px;
  border-radius: var(--radius-sm);
  background: var(--surface);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.6rem;
  margin-bottom: 20px;
  transition: background var(--transition);
}

.svc-title {
  font-family: 'Outfit', sans-serif;
  font-size: 1.1rem;
  font-weight: 700;
  margin-bottom: 12px;
  color: var(--navy);
  transition: color var(--transition);
}

.svc-desc {
  font-size: 0.9rem;
  color: var(--text-body);
  line-height: 1.65;
  transition: color var(--transition);
}

.svc-arrow {
  display: inline-block;
  margin-top: 20px;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--indigo);
  transition: color var(--transition);
}

/* ─── FINTECH SECTION ────────────────────────────────────── */
.fintech-section {
  background: linear-gradient(145deg, var(--navy) 0%, var(--indigo) 60%, #1e40af 100%);
  color: white;
  position: relative;
  overflow: hidden;
}

.fintech-section::before {
  content: '';
  position: absolute;
  top: -30%;
  right: -10%;
  width: 500px; height: 500px;
  background: radial-gradient(circle, rgba(0,201,177,0.15) 0%, transparent 70%);
  border-radius: 50%;
}

.fintech-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
}

.fintech-left .section-eyebrow { color: var(--teal); }
.fintech-left .section-title { color: white; }
.fintech-left .section-subtitle { color: rgba(255,255,255,0.75); }

.fintech-items {
  display: flex;
  flex-direction: column;
  gap: 20px;
  margin-top: 40px;
}

.fintech-item {
  display: flex;
  align-items: flex-start;
  gap: 16px;
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: var(--radius-md);
  padding: 20px 24px;
  transition: all var(--transition);
}

.fintech-item:hover {
  background: rgba(255,255,255,0.1);
  border-color: rgba(0,201,177,0.4);
  transform: translateX(4px);
}

.fintech-item-icon {
  width: 44px; height: 44px;
  background: rgba(0,201,177,0.15);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.3rem;
  flex-shrink: 0;
}

.fintech-item h4 {
  font-family: 'Outfit', sans-serif;
  font-size: 1rem;
  font-weight: 700;
  color: white;
  margin-bottom: 4px;
}

.fintech-item p {
  font-size: 0.85rem;
  color: rgba(255,255,255,0.65);
}

.fintech-stats-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
}

.fintech-stat {
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: var(--radius-md);
  padding: 28px 24px;
  text-align: center;
  transition: all var(--transition);
}

.fintech-stat:hover {
  background: rgba(255,255,255,0.1);
  border-color: rgba(0,201,177,0.3);
}

.fintech-stat-num {
  font-family: 'Outfit', sans-serif;
  font-size: 2.2rem;
  font-weight: 800;
  color: var(--teal);
  line-height: 1;
  display: block;
}

.fintech-stat-label {
  font-size: 0.82rem;
  color: rgba(255,255,255,0.65);
  margin-top: 8px;
}

/* ─── TEAM SECTION ───────────────────────────────────────── */
.team-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 28px;
  margin-top: 56px;
}

.team-card {
  background: white;
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 40px 28px;
  text-align: center;
  transition: all var(--transition);
  position: relative;
  overflow: hidden;
  display: flex;
  flex-direction: column;
  height: 100%;
}

.team-card::after {
  content: '';
  position: absolute;
  bottom: 0; left: 0; right: 0;
  height: 4px;
  background: linear-gradient(90deg, var(--indigo), var(--teal));
  transform: scaleX(0);
  transform-origin: left;
  transition: transform var(--transition);
}

.team-card:hover { transform: translateY(-8px); box-shadow: var(--shadow-lg); }
.team-card:hover::after { transform: scaleX(1); }

.team-avatar {
  width: 110px; height: 110px;
  border-radius: 50%;
  margin: 0 auto 24px;
  background: linear-gradient(135deg, var(--indigo), var(--teal));
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: 'Outfit', sans-serif;
  font-size: 2rem;
  font-weight: 800;
  color: white;
  border: 4px solid var(--white);
  box-shadow: 0 8px 24px rgba(26,52,138,0.15);
  background-size: cover;
  background-position: center;
}

.team-name {
  font-family: 'Outfit', sans-serif;
  font-size: 1rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 6px;
}

.team-role {
  font-size: 0.82rem;
  color: var(--indigo);
  font-weight: 600;
  margin-bottom: 12px;
  font-family: 'Outfit', sans-serif;
}

.team-tag {
  display: inline-block;
  background: var(--surface);
  color: var(--text-muted);
  border-radius: 50px;
  padding: 4px 12px;
  font-size: 0.75rem;
  font-weight: 500;
}

/* ─── WHY CHOOSE US ──────────────────────────────────────── */
.why-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 28px;
  margin-top: 56px;
}

.why-card {
  background: white;
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 36px 32px;
  display: flex;
  gap: 20px;
  transition: all var(--transition);
}

.why-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); }

.why-icon {
  width: 52px; height: 52px;
  border-radius: 12px;
  background: linear-gradient(135deg, var(--indigo), var(--teal));
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.4rem;
  flex-shrink: 0;
  color: white;
}

.why-text h4 {
  font-family: 'Outfit', sans-serif;
  font-size: 1rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 8px;
}

.why-text p { font-size: 0.88rem; color: var(--text-body); line-height: 1.65; }

/* ─── TECH STACK ─────────────────────────────────────────── */
.tech-tabs {
  display: flex;
  gap: 8px;
  justify-content: center;
  margin: 40px 0 32px;
  flex-wrap: wrap;
}

.tech-tab {
  padding: 9px 20px;
  border-radius: 50px;
  border: 1.5px solid var(--border);
  font-family: 'Outfit', sans-serif;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--text-body);
  cursor: pointer;
  background: white;
  transition: all var(--transition);
}

.tech-tab.active,
.tech-tab:hover {
  background: var(--indigo);
  color: white;
  border-color: var(--indigo);
}

.tech-pills {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  justify-content: center;
}

.tech-pill {
  background: white;
  border: 1.5px solid var(--border);
  border-radius: 50px;
  padding: 10px 22px;
  font-size: 0.88rem;
  font-weight: 500;
  color: var(--text-body);
  transition: all var(--transition);
  cursor: default;
}

.tech-pill:hover {
  border-color: var(--indigo);
  color: var(--indigo);
  transform: translateY(-2px);
  box-shadow: var(--shadow-sm);
}

/* ─── CTA BANNER ─────────────────────────────────────────── */
.cta-banner {
  background: linear-gradient(135deg, var(--teal), #00aaa0);
  padding: 80px 0;
  text-align: center;
}

.cta-banner h2 {
  color: var(--navy);
  font-size: clamp(1.8rem, 3.5vw, 2.5rem);
  font-weight: 800;
  margin-bottom: 12px;
}

.cta-banner p {
  color: rgba(15,28,63,0.75);
  margin-bottom: 36px;
  font-size: 1.05rem;
}

/* ─── FOOTER ─────────────────────────────────────────────── */
.footer {
  background: var(--navy);
  color: rgba(255,255,255,0.8);
  padding: 72px 0 32px;
}

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 48px;
  margin-bottom: 56px;
}

.footer-brand img { height: 40px; filter: brightness(1.2) saturate(0.8); margin-bottom: 20px; }
.footer-brand p { font-size: 0.9rem; line-height: 1.7; color: rgba(255,255,255,0.55); }

.footer-col h5 {
  font-family: 'Outfit', sans-serif;
  font-size: 0.85rem;
  font-weight: 700;
  letter-spacing: 2px;
  text-transform: uppercase;
  color: var(--teal);
  margin-bottom: 20px;
}

.footer-col ul { display: flex; flex-direction: column; gap: 10px; }

.footer-col ul li a {
  font-size: 0.88rem;
  color: rgba(255,255,255,0.55);
  transition: color var(--transition);
}

.footer-col ul li a:hover { color: white; }

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.08);
  padding-top: 28px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 12px;
}

.footer-bottom p {
  font-size: 0.82rem;
  color: rgba(255,255,255,0.35);
}

.footer-socials { display: flex; gap: 12px; }

.social-btn {
  width: 38px; height: 38px;
  border-radius: 50%;
  border: 1px solid rgba(255,255,255,0.12);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.85rem;
  color: rgba(255,255,255,0.5);
  transition: all var(--transition);
}

.social-btn:hover {
  border-color: var(--teal);
  color: var(--teal);
  transform: translateY(-2px);
}

/* ─── SCROLL REVEAL ──────────────────────────────────────── */
.reveal {
  opacity: 0;
  transform: translateY(30px);
  transition: opacity 0.7s ease, transform 0.7s ease;
}

.reveal.visible {
  opacity: 1;
  transform: translateY(0);
}

.reveal-delay-1 { transition-delay: 0.1s; }
.reveal-delay-2 { transition-delay: 0.2s; }
.reveal-delay-3 { transition-delay: 0.3s; }
.reveal-delay-4 { transition-delay: 0.4s; }
.reveal-delay-5 { transition-delay: 0.5s; }

/* ─── GLASS ──────────────────────────────────────────────── */
.glass {
  background: rgba(255,255,255,0.7);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border: 1px solid rgba(255,255,255,0.5);
}

/* ─── MOBILE RESPONSIVENESS ──────────────────────────────── */
@media (max-width: 1024px) {
  .hero-inner { grid-template-columns: 1fr; gap: 48px; }
  .hero-visual { display: none; }
  .services-grid { grid-template-columns: repeat(2, 1fr); }
  .team-grid { grid-template-columns: repeat(2, 1fr); }
  .fintech-grid { grid-template-columns: 1fr; gap: 48px; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 36px; }
}

@media (max-width: 768px) {
  .section { padding: 72px 0; }

  .nav-links { 
    display: none;
    position: fixed;
    top: 72px; left: 0; right: 0;
    background: var(--navy);
    flex-direction: column;
    padding: 24px;
    gap: 4px;
    box-shadow: var(--shadow-lg);
    border-top: 1px solid rgba(255,255,255,0.1);
    z-index: 999;
  }

  .nav-links.open { display: flex; }
  .nav-links li a { display: block; padding: 12px 16px; }
  .hamburger { display: flex; }

  .hero h1 { font-size: 2.3rem; }
  .hero-stats { flex-wrap: wrap; gap: 24px; }
  .hero-btns { flex-direction: column; }
  .hero-btns .btn { width: 100%; justify-content: center; }

  .services-grid { grid-template-columns: 1fr; }
  .team-grid { grid-template-columns: 1fr 1fr; }
  .why-grid { grid-template-columns: 1fr; }
  .fintech-stats-grid { grid-template-columns: 1fr 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; text-align: center; }
}

@media (max-width: 480px) {
  .container { padding: 0 16px; }
  .hero h1 { font-size: 1.95rem; }
  .team-grid { grid-template-columns: 1fr; }
  .fintech-stats-grid { grid-template-columns: 1fr; }
  .hero-btns .btn-lg { padding: 15px 28px; }
}

/* NOTICE BANNER */
.notice-banner {
    padding: 12px 0;
    text-align: center;
    position: relative;
    z-index: 2000;
    font-size: 0.9rem;
    font-weight: 500;
}

.banner-info { background: #1a3c75; color: #fff; }
.banner-warning { background: #754b1a; color: #fff; }
.banner-success { background: #1a754b; color: #fff; }

.notice-banner p { margin: 0; display: inline-block; }
.notice-banner a { color: #fff; text-decoration: underline; margin-left: 8px; font-weight: 700; }
.notice-close {
    position: absolute;
    right: 20px;
    top: 50%;
    transform: translateY(-50%);
    background: none;
    border: none;
    color: #fff;
    font-size: 1.5rem;
    cursor: pointer;
    opacity: 0.7;
}
.notice-close:hover { opacity: 1; }

.terms-section { margin-bottom: 32px; }

/* ─── PROMOTIONAL BANNER CAROUSEL ───────────────────────────── */
.promo-slider-section {
  position: relative;
  overflow: hidden;
  background: var(--navy);
}

.promo-slider-container {
  position: relative;
  width: 100%;
  height: 500px;
  overflow: hidden;
}

.promo-slides-track {
  display: flex;
  height: 100%;
  transition: transform 0.65s cubic-bezier(0.4, 0, 0.2, 1);
  will-change: transform;
}

.promo-slide {
  min-width: 100%;
  height: 100%;
  position: relative;
  overflow: hidden;
}

.promo-slide img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
}

.promo-slide-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(
    105deg,
    rgba(15, 28, 63, 0.88) 0%,
    rgba(15, 28, 63, 0.55) 55%,
    rgba(15, 28, 63, 0.15) 100%
  );
  display: flex;
  align-items: center;
  padding: 0 80px;
}

.promo-slide-content {
  max-width: 580px;
}

.promo-slide-tag {
  display: inline-block;
  background: rgba(0, 201, 177, 0.15);
  color: var(--teal);
  border: 1px solid rgba(0, 201, 177, 0.4);
  border-radius: 50px;
  padding: 5px 16px;
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  margin-bottom: 18px;
}

.promo-slide-title {
  font-family: 'Outfit', sans-serif;
  font-size: clamp(1.8rem, 3.5vw, 2.8rem);
  font-weight: 800;
  color: #fff;
  line-height: 1.15;
  margin-bottom: 14px;
}

.promo-slide-subtitle {
  font-size: 1.05rem;
  color: rgba(255, 255, 255, 0.8);
  margin-bottom: 30px;
  line-height: 1.65;
  max-width: 480px;
}

/* Prev / Next nav arrows */
.promo-nav {
  position: absolute;
  top: 50%;
  transform: translateY(-50%);
  background: rgba(255, 255, 255, 0.08);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
  border: 1px solid rgba(255, 255, 255, 0.18);
  color: #fff;
  width: 52px;
  height: 52px;
  border-radius: 50%;
  font-size: 1.5rem;
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  transition: all 0.3s;
  z-index: 10;
  padding: 0;
  line-height: 1;
}
.promo-nav.prev { left: 28px; }
.promo-nav.next { right: 28px; }
.promo-nav:hover {
  background: rgba(0, 201, 177, 0.25);
  border-color: var(--teal);
  transform: translateY(-50%) scale(1.08);
}

/* Dot indicators */
.promo-dots {
  position: absolute;
  bottom: 22px;
  left: 50%;
  transform: translateX(-50%);
  display: flex;
  gap: 8px;
  z-index: 10;
}

.promo-dot {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.35);
  border: none;
  cursor: pointer;
  transition: all 0.35s ease;
  padding: 0;
}

.promo-dot.active {
  background: var(--teal);
  width: 26px;
  border-radius: 4px;
}

/* Progress bar at top of slider */
.promo-progress {
  position: absolute;
  top: 0;
  left: 0;
  height: 3px;
  background: var(--teal);
  z-index: 11;
  transition: width 0.1s linear;
}

/* Responsive */
@media (max-width: 768px) {
  .promo-slider-container { height: 320px; }
  .promo-slide-overlay { padding: 0 28px; }
  .promo-slide-title { font-size: 1.5rem; }
  .promo-slide-subtitle { font-size: 0.9rem; margin-bottom: 20px; }
  .promo-nav { width: 38px; height: 38px; font-size: 1.1rem; }
  .promo-nav.prev { left: 12px; }
  .promo-nav.next { right: 12px; }
}

@media (max-width: 480px) {
  .promo-slider-container { height: 260px; }
  .promo-slide-subtitle { display: none; }
}
.terms-section h3 { color: var(--accent-primary); margin-bottom: 12px; }
.terms-section p { line-height: 1.8; color: #ccc; }