/* =========================================================
   Fintrac Money — main stylesheet
   ========================================================= */
:root {
  --blue: #0D4F8B;        /* headings */
  --blue-btn: #0D5CA6;    /* buttons */
  --navy: #0A2F57;        /* footer */
  --teal: #11897A;        /* accent headings */
  --teal-soft: #16A394;
  --ink: #2B3A4A;         /* body text */
  --muted: #5C6B7A;
  --line: #D9E6F2;
  --sky: #EAF4FB;
  --mint: #E8F6F2;
  --card-blue: #E7F1FB;
  --card-green: #E6F5F0;
  --radius: 14px;
  --header-h: 84px;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: var(--header-h); }
body {
  margin: 0;
  font-family: "Poppins", system-ui, -apple-system, "Segoe UI", sans-serif;
  color: var(--ink);
  background: #fff;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
h1, h2, h3 { margin: 0; line-height: 1.15; color: var(--blue); }

.container { width: min(1180px, 100% - 48px); margin-inline: auto; }
.t-blue { color: var(--blue); }
.t-teal { color: var(--teal); }

.btn {
  display: inline-flex; align-items: center; gap: 10px;
  padding: 11px 22px; border-radius: 999px;
  font-weight: 600; font-size: 14px; line-height: 1;
  transition: background .2s, transform .2s, box-shadow .2s;
}
.btn-primary { background: var(--blue-btn); color: #fff; box-shadow: 0 6px 16px rgba(13, 92, 166, .22); }
.btn-primary:hover { background: var(--blue); transform: translateY(-1px); }

/* ---------------- Header ---------------- */
.site-header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(255, 255, 255, .96);
  backdrop-filter: blur(8px);
  border-bottom: 1px solid #EEF3F8;
}
.header-inner { height: var(--header-h); display: flex; align-items: center; justify-content: space-between; gap: 24px; }
.brand img { height: 52px; width: auto; }

.site-nav { display: flex; align-items: center; gap: 40px; }
.site-nav > a:not(.btn) {
  position: relative; font-size: 15px; font-weight: 500; color: var(--ink);
  padding: 6px 2px; transition: color .2s;
}
.site-nav > a:not(.btn)::after {
  content: ""; position: absolute; left: 0; right: 0; bottom: -4px; height: 2px;
  background: var(--blue-btn); border-radius: 2px;
  transform: scaleX(0); transition: transform .25s;
}
.site-nav > a:not(.btn):hover, .site-nav > a.active { color: var(--blue-btn); }
.site-nav > a:not(.btn):hover::after, .site-nav > a.active::after { transform: scaleX(1); }
.nav-cta { margin-left: 16px; }

.nav-toggle { display: none; width: 44px; height: 44px; border: 0; background: none; cursor: pointer; padding: 10px; }
.nav-toggle span { display: block; height: 2px; background: var(--blue); margin: 5px 0; border-radius: 2px; transition: transform .25s, opacity .25s; }
.nav-toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.nav-toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* ---------------- Screen 1: Hero ---------------- */
.hero {
  position: relative; overflow: hidden;
  min-height: calc(100vh - var(--header-h));
  min-height: calc(100svh - var(--header-h));
  display: flex; align-items: center;
  background: linear-gradient(180deg, #F3F9FD 0%, var(--sky) 55%, #F7FBFE 100%);
}
.hero-inner { position: relative; z-index: 2; display: grid; grid-template-columns: minmax(0, 640px) 1fr; align-items: center; gap: 24px; padding: 56px 0 64px; }
.eyebrow { margin: 0 0 14px; font-size: 13px; font-weight: 600; letter-spacing: .22em; text-transform: uppercase; color: var(--blue); }
.hero h1 { font-size: clamp(32px, 3.6vw, 52px); font-weight: 700; letter-spacing: -.01em; }
@media (min-width: 961px) { .hero h1 span { white-space: nowrap; } }
.hero h1 span { display: block; }
.lead { margin: 20px 0 34px; font-size: clamp(15px, 1.25vw, 18px); color: var(--ink); }

.hero-points { list-style: none; margin: 0; padding: 0; display: flex; flex-wrap: wrap; }
.hero-points li {
  display: flex; flex-direction: column; gap: 10px;
  font-size: 14px; font-weight: 500; line-height: 1.3; color: var(--blue);
  padding: 0 28px; border-left: 1px solid var(--line);
}
.hero-points li:first-child { padding-left: 0; border-left: 0; }

.ring {
  width: 50px; height: 50px; border-radius: 50%;
  display: grid; place-items: center;
  background: #fff; border: 2px solid #9FD6CC;
  box-shadow: 0 4px 12px rgba(17, 137, 122, .12);
}
.ring svg { width: 26px; height: 26px; fill: none; stroke: var(--teal); stroke-width: 1.7; stroke-linecap: round; stroke-linejoin: round; }

.hero-media { position: absolute; right: 0; top: 50%; transform: translateY(-46%); width: min(62vw, 1080px); z-index: 1; pointer-events: none; }
.hero-media img {
  width: 100%; height: auto;
  -webkit-mask-image: linear-gradient(90deg, transparent 0%, #000 30%, #000 100%),
                      linear-gradient(180deg, transparent 0%, #000 8%, #000 94%, transparent 100%);
  -webkit-mask-composite: source-in;
          mask-image: linear-gradient(90deg, transparent 0%, #000 30%, #000 100%),
                      linear-gradient(180deg, transparent 0%, #000 8%, #000 94%, transparent 100%);
          mask-composite: intersect;
}

/* ---------------- Screen 2: About ---------------- */
.about {
  display: grid;
  grid-template-columns: minmax(300px, 30%) 1fr 1fr;
  align-items: center; gap: 48px;
  padding: 56px 0 56px 0;
  padding-right: max(24px, (100vw - 1180px) / 2);
  background: #fff;
}
.about-media img {
  width: 100%; height: 100%; min-height: 220px; object-fit: cover; object-position: left center;
  border-radius: 0 22px 22px 0;
  box-shadow: 0 14px 30px rgba(10, 47, 87, .12);
}
.about-copy h2 { font-size: clamp(24px, 2.2vw, 30px); margin-bottom: 16px; }
.about-copy p { margin: 0; font-size: 15.5px; color: var(--muted); }

.checks { list-style: none; margin: 0 0 22px; padding: 0; display: grid; gap: 12px; }
.checks li { position: relative; padding-left: 38px; font-size: 15px; color: var(--ink); }
.checks li::before {
  content: ""; position: absolute; left: 0; top: 1px; width: 22px; height: 22px; border-radius: 50%;
  background: var(--teal-soft) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M6 12l4 4 8-8'/%3E%3C/svg%3E") center/14px no-repeat;
}
.ribbon {
  margin: 0; padding: 12px 20px;
  font-weight: 600; font-size: 15px; color: var(--teal);
  background: linear-gradient(90deg, rgba(232, 246, 242, 0) 0%, var(--mint) 18%, var(--mint) 82%, rgba(232, 246, 242, 0) 100%);
  text-align: center;
}

/* ---------------- Screen 2: Goals ---------------- */
.goals { background: linear-gradient(180deg, #F5FAFE 0%, #EEF6FC 100%); padding: 64px 0 72px; }
.goals-inner { display: grid; grid-template-columns: 270px 1fr 160px; align-items: center; gap: 40px; }
.goals-intro h2 { font-size: clamp(26px, 2.2vw, 32px); }
.goals-intro p { margin: 16px 0 18px; font-size: 15px; color: var(--muted); }
.rule { display: block; width: 46px; height: 3px; border-radius: 3px; background: var(--blue-btn); }

.goal-cards { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; }
.goal-card {
  padding: 26px 16px 28px; border-radius: var(--radius); text-align: center;
  display: flex; flex-direction: column; align-items: center;
  border: 1px solid rgba(13, 79, 139, .06);
  transition: transform .25s, box-shadow .25s;
}
.goal-card:hover { transform: translateY(-4px); box-shadow: 0 16px 30px rgba(10, 47, 87, .10); }
.tint-blue { background: var(--card-blue); }
.tint-green { background: var(--card-green); }
.goal-card h3 { margin: 16px 0 8px; font-size: 15.5px; font-weight: 600; color: var(--blue); }
.goal-card p { margin: 0; font-size: 13.5px; line-height: 1.5; color: var(--muted); }

.ring-lg { width: 62px; height: 62px; border-color: #B8D6EF; }
.ring-lg svg { width: 32px; height: 32px; stroke: var(--blue-btn); }
.ring-lg svg.solid { fill: var(--blue-btn); stroke: none; }
.ring-lg svg .line { fill: none; stroke: var(--blue-btn); stroke-width: 1.8; }
.ring-lg svg .fill { fill: var(--teal-soft); stroke: none; }

.script-note {
  margin: 0; font-family: "Caveat", cursive; font-size: 30px; line-height: 1.1;
  color: var(--teal); transform: rotate(-8deg);
}

/* ---------------- Screen 3: Services ---------------- */
.services { position: relative; overflow: hidden; background: #fff; padding: 72px 0 64px; }
.services-inner { position: relative; display: grid; grid-template-columns: 1fr; }
.services-body { position: relative; z-index: 2; max-width: 820px; }
.services h2, .how h2 { font-size: clamp(26px, 2.4vw, 34px); }
.services .sub { margin: 8px 0 32px; font-size: 15px; color: var(--muted); }

.service-list { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(5, 1fr); }
.service-list li {
  display: flex; flex-direction: column; align-items: flex-start; gap: 12px;
  padding: 4px 16px; border-left: 1px solid var(--line);
  font-size: 13.5px; font-weight: 600; line-height: 1.35; color: var(--blue);
}
.service-list li:first-child { padding-left: 0; border-left: 0; }
.ring-svc { width: 58px; height: 58px; border-color: #B8D6EF; background: var(--card-blue); }
.ring-svc svg { width: 30px; height: 30px; stroke: var(--blue-btn); }
.ring svg .fill { fill: currentColor; }
.ring-svc svg .fill { fill: var(--blue-btn); }

.services-media {
  position: absolute; right: calc((100vw - min(1180px, 100vw - 48px)) / -2); top: 50%;
  transform: translateY(-50%); width: min(36vw, 620px); z-index: 1; pointer-events: none;
}
.services-media img {
  width: 100%; height: auto;
  -webkit-mask-image: linear-gradient(90deg, transparent 0%, #000 28%, #000 100%);
          mask-image: linear-gradient(90deg, transparent 0%, #000 28%, #000 100%);
}

/* ---------------- Screen 3: How it works ---------------- */
.how { background: linear-gradient(180deg, #F2F8FD 0%, #EAF4FB 100%); padding: 48px 0; }
.how-inner { display: grid; grid-template-columns: 250px 1fr 140px; align-items: center; gap: 32px; }
.how-intro p { margin: 6px 0 0; font-size: 15px; color: var(--muted); }

.steps {
  list-style: none; margin: 0; padding: 0 0 0 32px; border-left: 1px solid var(--line);
  display: grid; grid-template-columns: 1fr auto 1fr auto 1fr; align-items: start; gap: 18px;
}
.step { display: flex; align-items: flex-start; gap: 14px; }
.step-num {
  flex: none; width: 46px; height: 46px; border-radius: 50%;
  display: grid; place-items: center;
  background: var(--blue-btn); color: #fff; font-weight: 600; font-size: 15px;
  box-shadow: 0 6px 14px rgba(13, 92, 166, .25);
}
.step-icon { width: 24px; height: 24px; margin-bottom: 4px; fill: none; stroke: var(--blue-btn); stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; }
.step-icon.solid { fill: var(--blue-btn); stroke: none; }
.step-icon .line { fill: none; stroke: var(--blue-btn); }
.step h3 { font-size: 15px; font-weight: 600; color: var(--blue); }
.step p { margin: 2px 0 0; font-size: 14px; color: var(--muted); }
.step-arrow { font-size: 34px; line-height: 1; color: #8BB3DA; align-self: center; }

/* ---------------- Footer ---------------- */
.site-footer { background: var(--navy); color: #C9D6E4; padding: 44px 0 28px; }
.footer-top {
  display: flex; align-items: center; justify-content: space-between; gap: 24px; flex-wrap: wrap;
  padding-bottom: 26px; border-bottom: 1px solid rgba(255, 255, 255, .12);
}
.footer-top .brand img { height: 46px; }
.footer-nav { display: flex; gap: 28px; flex-wrap: wrap; font-size: 14px; }
.footer-nav a:hover, .footer-mail:hover, .legal-links a:hover { color: #fff; }
.footer-mail { font-size: 14px; }
.footer-legal { padding-top: 24px; font-size: 12.5px; line-height: 1.7; }
.footer-legal p { margin: 0 0 16px; }
.footer-legal strong { color: #fff; }
.legal-links { display: flex; flex-wrap: wrap; gap: 8px 22px; margin-bottom: 18px; }
.legal-links a { text-decoration: underline; text-underline-offset: 3px; text-decoration-color: rgba(255, 255, 255, .3); }
.copyright { color: #8FA4BA; }

/* ---------------- Responsive ---------------- */
@media (max-width: 1180px) {
  .site-nav { gap: 26px; }
  .goals-inner { grid-template-columns: 220px 1fr; }
  .script-note { display: none; }
  .about { grid-template-columns: minmax(260px, 32%) 1fr; }
  .about-list { grid-column: 2; }
}

@media (max-width: 960px) {
  :root { --header-h: 70px; }
  .brand img { height: 44px; }
  .nav-toggle { display: block; }
  .site-nav {
    position: absolute; top: var(--header-h); left: 0; right: 0;
    flex-direction: column; align-items: stretch; gap: 0;
    background: #fff; border-bottom: 1px solid var(--line);
    box-shadow: 0 18px 30px rgba(10, 47, 87, .10);
    padding: 8px 24px 20px;
    display: none;
  }
  .site-nav.open { display: flex; }
  .site-nav > a:not(.btn) { padding: 14px 0; border-bottom: 1px solid #EEF3F8; }
  .site-nav > a:not(.btn)::after { display: none; }
  .nav-cta { margin: 16px 0 0; justify-content: center; }

  .hero { min-height: auto; flex-direction: column; align-items: stretch; }
  .hero-inner { grid-template-columns: 1fr; padding: 36px 0 24px; }
  .hero-media { position: relative; transform: none; top: auto; width: 100%; margin: 0; }
  .hero-media img {
    -webkit-mask-image: linear-gradient(180deg, transparent 0%, #000 15%, #000 100%);
            mask-image: linear-gradient(180deg, transparent 0%, #000 15%, #000 100%);
  }

  .about { grid-template-columns: 1fr; gap: 28px; padding: 0 0 48px; }
  .about-media img { border-radius: 0; min-height: 0; }
  .about-copy, .about-list { padding: 0 24px; grid-column: auto; }

  .goals { padding: 48px 0 56px; }
  .goals-inner { grid-template-columns: 1fr; gap: 28px; }
  .goal-cards { grid-template-columns: repeat(2, 1fr); gap: 14px; }
}

@media (max-width: 560px) {
  .hero-points { display: grid; grid-template-columns: 1fr 1fr; gap: 22px 0; }
  .hero-points li { padding: 0 12px; }
  .hero-points li:nth-child(odd) { padding-left: 0; border-left: 0; }
  .br-desktop { display: none; }
  .goal-card { padding: 22px 12px 24px; }
  .footer-top { flex-direction: column; align-items: flex-start; }
}

/* ---------------- Responsive: Screen 3 ---------------- */
@media (max-width: 1180px) {
  .services-media { opacity: .35; }
  .how-inner { grid-template-columns: 220px 1fr; }
  .how-note { display: none; }
}

@media (max-width: 960px) {
  .services { padding: 56px 0 0; }
  .services-body { max-width: none; }
  .service-list { grid-template-columns: repeat(3, 1fr); gap: 28px 0; }
  .service-list li:nth-child(4) { padding-left: 0; border-left: 0; }
  .services-media { position: relative; right: auto; top: auto; transform: none; width: auto; margin: 32px -24px 0; opacity: 1; }
  .services-media img {
    -webkit-mask-image: linear-gradient(180deg, transparent 0%, #000 25%, #000 100%);
            mask-image: linear-gradient(180deg, transparent 0%, #000 25%, #000 100%);
  }

  .how { padding: 48px 0 56px; }
  .how-inner { grid-template-columns: 1fr; gap: 28px; }
  .steps { grid-template-columns: 1fr; padding: 0; border-left: 0; gap: 22px; }
  .step-arrow { display: none; }
}

@media (max-width: 560px) {
  .service-list { grid-template-columns: 1fr 1fr; }
  .service-list li { padding: 4px 14px; }
  .service-list li:nth-child(4) { padding-left: 14px; border-left: 1px solid var(--line); }
  .service-list li:nth-child(odd) { padding-left: 0; border-left: 0; }
}