/* =========================================================
   Easy One Finance — Design System v2 (Modern)
   All class + CSS-variable names are preserved from v1 so
   page-specific <style> blocks keep working. Page-specific
   styles still belong at the bottom of each page, scoped
   under a unique page class.
   ========================================================= */

:root {
  /* Brand — deep ink navy + refined amber */
  --navy-900: #0a1226;   /* darkest ink */
  --navy-800: #0e1b3a;
  --navy-700: #16284f;
  --navy-600: #24407a;
  --ink: #070b18;        /* near-black, footer depth */

  --gold-500: #e4a62b;   /* primary accent */
  --gold-400: #f6c956;
  --gold-100: #fbf1dc;

  /* Cool accents used only for subtle hero glow / gradients */
  --indigo: #3e63f0;
  --sky: #57c8ff;

  /* Neutrals */
  --bg: #f4f6fb;
  --surface: #ffffff;
  --surface-2: #eef2f9;
  --white: #ffffff;
  --text: #0d1526;
  --text-muted: #5b6a85;
  --border: #e7ecf5;
  --border-strong: #d6deec;
  --success: #12915a;

  /* Type */
  --font-heading: 'Plus Jakarta Sans', 'Segoe UI', Arial, sans-serif;
  --font-body: 'Inter', 'Segoe UI', Arial, sans-serif;

  /* Radii */
  --radius-sm: 10px;
  --radius-md: 16px;
  --radius-lg: 24px;
  --radius-xl: 32px;
  --radius-pill: 999px;

  /* Shadows — navy-tinted, layered */
  --shadow-sm: 0 1px 2px rgba(10,18,38,.06), 0 2px 6px rgba(10,18,38,.05);
  --shadow-md: 0 12px 32px -14px rgba(10,18,38,.20);
  --shadow-lg: 0 32px 64px -24px rgba(10,18,38,.32);
  --glow-gold: 0 14px 34px -10px rgba(228,166,43,.55);

  /* Gradients */
  --grad-gold: linear-gradient(135deg, #f6c956 0%, #e4a62b 100%);
  --grad-ink: linear-gradient(160deg, #0e1b3a 0%, #0a1226 60%, #070b18 100%);

  --container-width: 1200px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; overflow-x: clip; }
body {
  margin: 0;
  font-family: var(--font-body);
  color: var(--text);
  background: var(--bg);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
  overflow-x: clip;
}
/* subtle top wash */
body::before {
  content: "";
  position: fixed;
  inset: 0 0 auto 0;
  height: 420px;
  background: radial-gradient(1200px 420px at 80% -120px, rgba(62,99,240,.06), transparent 70%);
  pointer-events: none;
  z-index: 0;
}

h1, h2, h3, h4 {
  font-family: var(--font-heading);
  color: var(--navy-900);
  line-height: 1.12;
  letter-spacing: -0.02em;
  margin: 0 0 .5em;
  font-weight: 700;
}
h1 { font-size: clamp(2.3rem, 5vw, 3.6rem); font-weight: 800; }
h2 { font-size: clamp(1.7rem, 3.4vw, 2.6rem); font-weight: 800; }
h3 { font-size: 1.28rem; font-weight: 700; letter-spacing: -0.01em; }
p { margin: 0 0 1em; color: var(--text-muted); }
a { color: var(--navy-700); text-decoration: none; transition: color .15s ease; }
a:hover { color: var(--gold-500); }
img { max-width: 100%; display: block; }
ul { padding-left: 1.2em; }
strong { color: var(--text); }

.container { max-width: var(--container-width); margin: 0 auto; padding: 0 24px; position: relative; }
.section { padding: 96px 0; position: relative; z-index: 1; }
.section-alt { padding: 96px 0; background: var(--surface); position: relative; z-index: 1; }
.section-navy { background: var(--grad-ink); color: var(--white); }
.section-navy h2, .section-navy h3 { color: var(--white); }
.section-navy p { color: rgba(255,255,255,0.72); }

/* Eyebrow — pill with dot */
.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-family: var(--font-body);
  font-size: 0.74rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold-500);
  background: var(--gold-100);
  padding: 7px 14px 7px 12px;
  border-radius: var(--radius-pill);
  margin-bottom: 18px;
}
.eyebrow::before {
  content: "";
  width: 7px; height: 7px;
  border-radius: 50%;
  background: var(--gold-500);
  box-shadow: 0 0 0 3px rgba(228,166,43,.22);
}
.section-navy .eyebrow, .hero .eyebrow, .page-hero .eyebrow {
  color: var(--gold-400);
  background: rgba(246,201,86,.12);
}
.section-navy .eyebrow::before, .hero .eyebrow::before, .page-hero .eyebrow::before { background: var(--gold-400); }

.section-head { max-width: 680px; margin: 0 auto 56px; text-align: center; }
.section-head p { margin: 0; font-size: 1.05rem; }

/* Buttons */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 9px;
  padding: 15px 30px;
  border-radius: var(--radius-pill);
  font-family: var(--font-body);
  font-weight: 700;
  font-size: 0.96rem;
  letter-spacing: -0.01em;
  border: 1.5px solid transparent;
  cursor: pointer;
  transition: transform .18s ease, box-shadow .2s ease, background .2s ease, color .2s ease, border-color .2s ease;
  white-space: nowrap;
}
.btn:hover { transform: translateY(-2px); }
.btn:active { transform: translateY(0); }
.btn-primary { background: var(--grad-gold); color: var(--navy-900); box-shadow: var(--glow-gold); }
.btn-primary:hover { color: var(--navy-900); box-shadow: 0 18px 40px -10px rgba(228,166,43,.7); }
.btn-outline { background: rgba(255,255,255,.06); border-color: rgba(255,255,255,0.35); color: var(--white); backdrop-filter: blur(6px); }
.btn-outline:hover { background: rgba(255,255,255,0.14); color: var(--white); border-color: rgba(255,255,255,.6); }
.btn-navy { background: var(--navy-900); color: var(--white); box-shadow: var(--shadow-md); }
.btn-navy:hover { background: var(--navy-700); color: var(--white); box-shadow: var(--shadow-lg); }
.btn-block { width: 100%; }
.btn-sm { padding: 11px 20px; font-size: 0.86rem; }

/* Cards & grids */
.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 32px; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }

.card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 34px;
  box-shadow: var(--shadow-sm);
  transition: box-shadow .25s ease, transform .25s ease, border-color .25s ease;
  position: relative;
}
.card:hover { box-shadow: var(--shadow-lg); transform: translateY(-5px); border-color: var(--border-strong); }
.card h3 { margin-bottom: .4em; }
.card .icon {
  width: 58px; height: 58px;
  border-radius: var(--radius-md);
  background: var(--grad-gold);
  color: var(--navy-900);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 20px;
  font-size: 1.5rem;
  box-shadow: var(--glow-gold);
}
/* card link affordance */
.card > a:last-child { display: inline-flex; align-items: center; gap: 6px; font-weight: 700; font-size: .92rem; }
.card > a:last-child::after { content: "\2192"; transition: transform .2s ease; }
.card > a:last-child:hover::after { transform: translateX(4px); }

.badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: var(--gold-100);
  color: var(--navy-900);
  font-size: 0.76rem;
  font-weight: 700;
  padding: 6px 14px;
  border-radius: var(--radius-pill);
}
.stat { text-align: center; }
.stat .num {
  font-family: var(--font-heading);
  font-size: clamp(2.2rem, 4vw, 2.9rem);
  font-weight: 800;
  letter-spacing: -0.03em;
  background: linear-gradient(135deg, var(--navy-700), var(--navy-900));
  -webkit-background-clip: text; background-clip: text;
  -webkit-text-fill-color: transparent;
  line-height: 1;
}
.stat .label { color: var(--text-muted); font-size: 0.92rem; margin-top: 8px; }

/* Header / nav */
.site-header {
  position: sticky; top: 0; z-index: 100;
  background: rgba(255,255,255,0.72);
  backdrop-filter: saturate(180%) blur(14px);
  -webkit-backdrop-filter: saturate(180%) blur(14px);
  border-bottom: 1px solid rgba(231,236,245,.9);
  transition: box-shadow .25s ease, background .25s ease;
}
.site-header.scrolled { background: rgba(255,255,255,0.92); box-shadow: 0 10px 30px -18px rgba(10,18,38,.35); }

.topbar {
  background: var(--navy-900);
  color: rgba(255,255,255,0.78);
  font-size: 0.82rem;
}
.topbar .container { display: flex; justify-content: space-between; align-items: center; gap: 16px; padding-top: 9px; padding-bottom: 9px; }
.topbar a { color: rgba(255,255,255,0.82); }
.topbar a:hover { color: var(--gold-400); }
.topbar-left { display: inline-flex; align-items: center; gap: 20px; }
.topbar .ti { display: inline-flex; align-items: center; gap: 7px; }
.topbar .ti svg { opacity: .85; }

.nav-wrap { display: flex; align-items: center; justify-content: space-between; padding: 15px 24px; }
.brand { display: flex; align-items: center; gap: 11px; font-family: var(--font-heading); font-weight: 800; font-size: 1.28rem; letter-spacing: -0.02em; color: var(--navy-900); }
.brand img, .brand svg { height: 40px; width: auto; }

.main-nav { display: flex; align-items: center; gap: 6px; }
.main-nav > ul { display: flex; align-items: center; gap: 2px; list-style: none; margin: 0; padding: 0; }
.main-nav > ul > li { position: relative; }
.main-nav > ul > li > a { display: block; padding: 10px 15px; font-weight: 600; font-size: 0.93rem; color: var(--text); border-radius: var(--radius-pill); transition: color .15s ease, background .15s ease; }
.main-nav > ul > li > a:hover, .main-nav > ul > li.active > a { color: var(--navy-900); background: var(--surface-2); }
.nav-cta { margin-left: 12px; }

.has-dropdown > a::after { content: "\25be"; font-size: .7em; margin-left: 6px; opacity: .6; }
.has-dropdown .dropdown {
  display: block;
  position: absolute; top: calc(100% + 10px); left: 0;
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-lg);
  min-width: 250px;
  padding: 10px;
  list-style: none;
  margin: 0;
  opacity: 0; visibility: hidden; transform: translateY(8px);
  transition: opacity .18s ease, transform .18s ease, visibility .18s;
}
.has-dropdown:hover .dropdown { opacity: 1; visibility: visible; transform: translateY(0); }
.dropdown li a { display: block; padding: 11px 13px; border-radius: var(--radius-sm); font-weight: 500; font-size: 0.9rem; color: var(--text); }
.dropdown li a:hover { background: var(--surface-2); color: var(--navy-900); }
.nav-toggle { display: none; background: none; border: none; font-size: 1.7rem; cursor: pointer; color: var(--navy-900); line-height: 1; }

/* Hero */
.hero {
  background: var(--grad-ink);
  color: var(--white);
  padding: 104px 0 96px;
  position: relative;
  overflow: hidden;
}
/* glow orbs + grid */
.hero::before {
  content: "";
  position: absolute; inset: 0;
  background:
    radial-gradient(620px 420px at 85% 8%, rgba(228,166,43,.20), transparent 60%),
    radial-gradient(560px 420px at 8% 92%, rgba(62,99,240,.22), transparent 62%),
    radial-gradient(420px 320px at 60% 100%, rgba(87,200,255,.10), transparent 60%);
  pointer-events: none;
}
.hero::after {
  content: "";
  position: absolute; inset: 0;
  background-image: linear-gradient(rgba(255,255,255,.04) 1px, transparent 1px), linear-gradient(90deg, rgba(255,255,255,.04) 1px, transparent 1px);
  background-size: 54px 54px;
  mask-image: radial-gradient(circle at 50% 40%, #000 30%, transparent 78%);
  -webkit-mask-image: radial-gradient(circle at 50% 40%, #000 30%, transparent 78%);
  pointer-events: none;
}
.hero .container { position: relative; z-index: 1; display: grid; grid-template-columns: 1.08fr 0.92fr; gap: 56px; align-items: center; animation: heroIn .9s cubic-bezier(.16,.84,.44,1) both; }
.hero h1 { color: var(--white); margin-bottom: .35em; }
.hero h1 .grad { background: var(--grad-gold); -webkit-background-clip: text; background-clip: text; -webkit-text-fill-color: transparent; }
.hero p.lead { color: rgba(255,255,255,0.82); font-size: 1.14rem; max-width: 540px; }
.hero-actions { display: flex; gap: 16px; margin-top: 30px; flex-wrap: wrap; }
.hero-art {
  background: rgba(255,255,255,0.055);
  border: 1px solid rgba(255,255,255,0.14);
  border-radius: var(--radius-xl);
  padding: 30px;
  box-shadow: var(--shadow-lg);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
  position: relative;
}

@keyframes heroIn { from { opacity: 0; transform: translateY(26px); } to { opacity: 1; transform: none; } }

/* Trust logos / small row */
.trust-row { display: flex; align-items: center; gap: 28px; flex-wrap: wrap; margin-top: 34px; opacity: .9; }
.trust-row span { color: rgba(255,255,255,.6); font-size: .82rem; font-weight: 600; letter-spacing: .04em; }

/* Forms */
.form-group { margin-bottom: 20px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
label { display: block; font-weight: 600; font-size: 0.88rem; margin-bottom: 8px; color: var(--navy-900); }
input, select, textarea {
  width: 100%;
  padding: 13px 15px;
  border: 1.5px solid var(--border-strong);
  border-radius: var(--radius-sm);
  font-family: var(--font-body);
  font-size: 0.96rem;
  background: var(--surface);
  color: var(--text);
  transition: border-color .15s ease, box-shadow .15s ease;
}
input::placeholder, textarea::placeholder { color: #9aa7bd; }
input:focus, select:focus, textarea:focus { outline: none; border-color: var(--gold-500); box-shadow: 0 0 0 4px rgba(228,166,43,.18); }
textarea { resize: vertical; min-height: 130px; }
.form-note { font-size: 0.82rem; color: var(--text-muted); margin-top: 10px; }
.form-success { background: #e9f8f0; border: 1px solid var(--success); color: #0c6b41; padding: 16px 20px; border-radius: var(--radius-sm); margin-bottom: 24px; font-weight: 600; }
.form-error { background: #fdecec; border: 1px solid #c0392b; color: #a5281c; padding: 16px 20px; border-radius: var(--radius-sm); margin-bottom: 24px; font-weight: 600; }

/* Steps */
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 34px; counter-reset: step; position: relative; }
.step { position: relative; padding-left: 64px; }
.step::before {
  counter-increment: step;
  content: counter(step);
  position: absolute; left: 0; top: 0;
  width: 46px; height: 46px;
  background: var(--grad-gold); color: var(--navy-900);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-heading); font-weight: 800; font-size: 1.05rem;
  box-shadow: var(--glow-gold);
}

/* Breadcrumb */
.breadcrumb { font-size: 0.85rem; color: var(--text-muted); margin-bottom: 16px; }
.breadcrumb a { color: var(--text-muted); }
.breadcrumb a:hover { color: var(--gold-500); }

/* Page hero (interior) */
.page-hero { background: var(--grad-ink); color: var(--white); padding: 72px 0; position: relative; overflow: hidden; }
.page-hero::before {
  content: "";
  position: absolute; inset: 0;
  background:
    radial-gradient(540px 360px at 88% 0%, rgba(228,166,43,.18), transparent 60%),
    radial-gradient(480px 360px at 0% 100%, rgba(62,99,240,.18), transparent 62%);
  pointer-events: none;
}
.page-hero .container { position: relative; z-index: 1; }
.page-hero h1 { color: var(--white); margin-bottom: 10px; }
.page-hero p { color: rgba(255,255,255,0.78); max-width: 680px; margin: 0; font-size: 1.06rem; }

/* CTA banner */
.cta-banner {
  background: var(--grad-gold);
  color: var(--navy-900);
  border-radius: var(--radius-xl);
  padding: 60px;
  text-align: center;
  position: relative;
  overflow: hidden;
  box-shadow: var(--glow-gold);
}
.cta-banner::before {
  content: "";
  position: absolute; inset: 0;
  background: radial-gradient(420px 300px at 100% 0%, rgba(255,255,255,.35), transparent 60%), radial-gradient(360px 280px at 0% 100%, rgba(10,18,38,.10), transparent 60%);
  pointer-events: none;
}
.cta-banner > * { position: relative; z-index: 1; }
.cta-banner h2 { color: var(--navy-900); }
.cta-banner p { color: rgba(10,18,38,.78); max-width: 560px; margin: 0 auto 26px; }

/* Footer */
.site-footer { background: var(--grad-ink); color: rgba(255,255,255,0.68); padding: 76px 0 26px; font-size: 0.92rem; position: relative; }
.site-footer::before { content: ""; position: absolute; top: 0; left: 0; right: 0; height: 1px; background: linear-gradient(90deg, transparent, rgba(228,166,43,.5), transparent); }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1.2fr; gap: 36px; margin-bottom: 48px; }
.site-footer h4 { color: var(--white); font-size: 0.98rem; margin-bottom: 18px; letter-spacing: -0.01em; }
.site-footer ul { list-style: none; padding: 0; margin: 0; }
.site-footer li { margin-bottom: 11px; }
.site-footer a { color: rgba(255,255,255,0.68); }
.site-footer a:hover { color: var(--gold-400); }
.footer-brand { display: flex; align-items: center; gap: 11px; font-family: var(--font-heading); font-weight: 800; font-size: 1.2rem; letter-spacing: -0.02em; color: var(--white); margin-bottom: 16px; }
.footer-contact li { display: flex; align-items: flex-start; gap: 10px; color: rgba(255,255,255,0.68); }
.footer-contact li svg { flex: none; margin-top: 3px; opacity: .7; }
.footer-legal {
  border-top: 1px solid rgba(255,255,255,0.12);
  padding-top: 26px;
  font-size: 0.78rem;
  color: rgba(255,255,255,0.5);
  line-height: 1.7;
}
.footer-bottom { display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 12px; margin-top: 16px; }

/* Utilities */
.text-center { text-align: center; }
.mt-0 { margin-top: 0; }
.mb-0 { margin-bottom: 0; }

/* Scroll reveal (only active when JS present, so no-JS shows everything) */
.js .section-head,
.js .stat,
.js .card,
.js .step,
.js .cta-banner {
  opacity: 0;
  transform: translateY(26px);
  transition: opacity .7s cubic-bezier(.16,.84,.44,1), transform .7s cubic-bezier(.16,.84,.44,1);
  will-change: opacity, transform;
}
.js .section-head.in,
.js .stat.in,
.js .card.in,
.js .step.in,
.js .cta-banner.in { opacity: 1; transform: none; }
/* stagger within grids */
.js [class*="grid-"] > *:nth-child(2), .js .steps > *:nth-child(2) { transition-delay: .08s; }
.js [class*="grid-"] > *:nth-child(3), .js .steps > *:nth-child(3) { transition-delay: .16s; }
.js [class*="grid-"] > *:nth-child(4) { transition-delay: .24s; }

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  .hero .container { animation: none; }
  .js .section-head, .js .stat, .js .card, .js .step, .js .cta-banner { opacity: 1 !important; transform: none !important; transition: none; }
}

/* Responsive */
@media (max-width: 980px) {
  .hero .container { grid-template-columns: 1fr; gap: 40px; }
  .hero-art { order: -1; }
  .grid-3, .grid-4, .steps { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .section, .section-alt { padding: 72px 0; }
}
@media (max-width: 760px) {
  .topbar { display: none; }
  .nav-toggle { display: block; }
  .main-nav { position: fixed; top: 0; right: -100%; height: 100vh; width: 84%; max-width: 320px; background: var(--surface); flex-direction: column; align-items: stretch; padding: 28px 24px; box-shadow: var(--shadow-lg); transition: right .28s cubic-bezier(.16,.84,.44,1); overflow-y: auto; z-index: 200; }
  .main-nav.open { right: 0; }
  .main-nav > ul { flex-direction: column; align-items: stretch; gap: 2px; }
  .main-nav > ul > li > a { padding: 13px 14px; }
  .has-dropdown .dropdown { opacity: 1; visibility: visible; transform: none; position: static; box-shadow: none; border: none; padding: 4px 0 4px 14px; margin: 0; min-width: 0; }
  .has-dropdown > a::after { display: none; }
  .nav-cta { margin: 18px 0 0; }
  .nav-cta .btn { width: 100%; }
  .grid-2, .grid-3, .grid-4, .steps, .form-row { grid-template-columns: 1fr; }
  .section, .section-alt { padding: 60px 0; }
  .cta-banner { padding: 40px 26px; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 28px; }
}
@media (max-width: 480px) {
  .footer-grid { grid-template-columns: 1fr; }
  .hero { padding: 72px 0 64px; }
  .btn { width: 100%; }
  .hero-actions { flex-direction: column; }
}