/* ============================================
   CSS Variables & Reset
   ============================================ */
:root {
    --color-bg: #F4F2F1;
    --color-black: #000000;
    --color-text: #312F2E;
    --color-white: #FFFFFF;
    --color-accent-light: #BBDEBD;
    --color-accent: #5F6E5A;
    
    --font-display: 'Playfair Display', Georgia, serif;
    --font-body: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
    
    --container-width: 1200px;
    --section-padding: 120px;
    --border-radius: 16px;
    --transition: 0.4s cubic-bezier(0.4, 0, 0.2, 1);
}

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

html {
    scroll-behavior: smooth;
}

body {
    font-family: var(--font-body);
    font-size: 18px;
    line-height: 1.7;
    color: var(--color-text);
    background-color: var(--color-bg);
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
}

img {
    max-width: 100%;
    height: auto;
    display: block;
}

a {
    text-decoration: none;
    color: inherit;
    transition: var(--transition);
}

button {
    font-family: inherit;
    cursor: pointer;
    border: none;
    background: none;
}

/* ============================================
   Layout
   ============================================ */
.container {
    max-width: var(--container-width);
    margin: 0 auto;
    padding: 0 24px;
}

/* ============================================
   Typography
   ============================================ */
.section-title {
    font-family: var(--font-display);
    font-size: clamp(2rem, 5vw, 3rem);
    font-weight: 900;
    line-height: 1.2;
    color: var(--color-black);
    margin-bottom: 16px;
}

.section-subtitle {
    font-size: 1.1rem;
    color: var(--color-text);
    max-width: 600px;
    opacity: 0.8;
}

/* ============================================
   Buttons
   ============================================ */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    padding: 18px 40px;
    font-family: var(--font-display);
    font-size: 1rem;
    font-weight: 500;
    color: var(--color-white);
    background-color: var(--color-black);
    border-radius: 50px;
    transition: var(--transition);
}

.btn span,
.btn {
    position: relative;
    z-index: 1;
}

.btn:hover {
    background-color: var(--color-accent);
    transform: translateY(-2px);
    box-shadow: 0 10px 30px rgba(0, 0, 0, 0.15);
}

.btn:hover::before {
    transform: translateY(0);
}

.btn--small {
    padding: 12px 28px;
    font-size: 0.9rem;
}

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

.btn--light:hover {
    background-color: var(--color-accent);
    color: var(--color-white);
}

/* ============================================
   Header
   ============================================ */
.header {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    z-index: 1000;
    padding: 20px 0;
    background: rgba(244, 242, 241, 0.9);
    backdrop-filter: blur(20px);
    -webkit-backdrop-filter: blur(20px);
    transition: var(--transition);
}

.header.scrolled {
    padding: 12px 0;
    box-shadow: 0 2px 30px rgba(0, 0, 0, 0.05);
}

.header__inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
}

.logo {
    display: flex;
    align-items: center;
    gap: 10px;
}

.logo__icon {
    width: 36px;
    height: 36px;
    background: linear-gradient(135deg, var(--color-accent-light), var(--color-accent));
    border-radius: 8px;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--color-black);
}

.logo__icon svg {
    width: 20px;
    height: 20px;
}

.logo__text {
    font-family: var(--font-display);
    font-size: 1.2rem;
    font-weight: 600;
    color: #101010;
}

.nav {
    display: flex;
    gap: 40px;
}

.nav__link {
    font-size: 0.95rem;
    color: var(--color-text);
    position: relative;
}

.nav__link::after {
    content: '';
    position: absolute;
    bottom: -4px;
    left: 0;
    width: 0;
    height: 1px;
    background: var(--color-black);
    transition: var(--transition);
}

.nav__link:hover::after {
    width: 100%;
}

/* Burger Button */
.burger {
    display: none;
    flex-direction: column;
    justify-content: center;
    gap: 5px;
    width: 32px;
    height: 32px;
    background: none;
    border: none;
    cursor: pointer;
    z-index: 1001;
}

.burger span {
    display: block;
    width: 24px;
    height: 2px;
    background-color: var(--color-black);
    border-radius: 2px;
    transition: var(--transition);
}

.burger.active span:nth-child(1) {
    transform: rotate(45deg) translate(5px, 5px);
}

.burger.active span:nth-child(2) {
    opacity: 0;
}

.burger.active span:nth-child(3) {
    transform: rotate(-45deg) translate(5px, -5px);
}

/* Mobile Menu */
.mobile-menu {
    display: none;
}

.mobile-menu.active {
    display: block;
}

.mobile-menu__overlay {
    position: fixed;
    inset: 0;
    background: rgba(0, 0, 0, 0.4);
    backdrop-filter: blur(4px);
    z-index: 999;
}

.mobile-menu__content {
    position: fixed;
    top: 0;
    right: 0;
    width: 280px;
    height: 100%;
    background: var(--color-bg);
    padding: 100px 32px 32px;
    z-index: 1000;
    display: flex;
    flex-direction: column;
    gap: 32px;
    transform: translateX(100%);
    transition: transform 0.3s ease;
}

.mobile-menu.active .mobile-menu__content {
    transform: translateX(0);
}

.mobile-menu__nav {
    display: flex;
    flex-direction: column;
    gap: 24px;
}

.mobile-menu__link {
    font-family: var(--font-display);
    font-size: 1.25rem;
    color: var(--color-text);
    transition: var(--transition);
}

.mobile-menu__link:hover {
    color: var(--color-black);
}

/* Responsive */
@media (max-width: 768px) {
    .nav {
        display: none;
    }
    
    .burger {
        display: flex;
    }
}

/* ============================================
   Hero Section
   ============================================ */
.hero {
    padding: 160px 0 var(--section-padding);
    min-height: 100vh;
    display: flex;
    align-items: center;
}

.hero__inner {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 80px;
    align-items: center;
}

.hero__content {
    animation: fadeInUp 1s ease-out;
}

.hero__title {
    font-family: var(--font-display);
    font-size: clamp(2.5rem, 6vw, 4rem);
    font-weight: 900;
    line-height: 1.1;
    color: var(--color-black);
    margin-bottom: 24px;
}

.hero__text {
    font-size: 1.1rem;
    margin-bottom: 40px;
    opacity: 0.85;
    max-width: 520px;
}

.hero__image {
    display: flex;
    justify-content: center;
    animation: fadeInUp 1s ease-out 0.2s both;
}

/* Phone Mockup */
.phone-mockup {
    padding: 12px;
    position: relative;
}

/* ============================================
   Features Section
   ============================================ */
.features {
    padding: var(--section-padding) 0;
    background: var(--color-white);
}

.features__header {
    text-align: center;
    margin-bottom: 80px;
}

.features__header .section-subtitle {
    margin: 0 auto;
}

.features__content {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 80px;
    align-items: start;
}

/* Accordion */
.features__accordion {
    display: flex;
    flex-direction: column;
    gap: 0;
}

.accordion-item {
    border-bottom: 1px solid rgba(0, 0, 0, 0.1);
}

.accordion-item:first-child {
    border-top: 1px solid rgba(0, 0, 0, 0.1);
}

.accordion-header {
    width: 100%;
    display: flex;
    align-items: center;
    gap: 20px;
    padding: 28px 0;
    text-align: left;
    transition: var(--transition);
}

.accordion-number {
    font-size: 0.85rem;
    color: var(--color-accent);
    font-weight: 500;
}

.accordion-title {
    flex: 1;
    font-family: var(--font-display);
    font-size: 1.25rem;
    font-weight: 500;
    color: var(--color-text);
    transition: var(--transition);
}

.accordion-item.active .accordion-title,
.accordion-header:hover .accordion-title {
    color: var(--color-black);
}

.accordion-icon {
    width: 24px;
    height: 24px;
    position: relative;
    transition: var(--transition);
}

.accordion-icon::before,
.accordion-icon::after {
    content: '';
    position: absolute;
    background: var(--color-text);
    transition: var(--transition);
}

.accordion-icon::before {
    width: 14px;
    height: 2px;
    top: 50%;
    left: 50%;
    transform: translate(-50%, -50%);
}

.accordion-icon::after {
    width: 2px;
    height: 14px;
    top: 50%;
    left: 50%;
    transform: translate(-50%, -50%);
}

.accordion-item.active .accordion-icon::after {
    transform: translate(-50%, -50%) rotate(90deg);
    opacity: 0;
}

.accordion-body {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.5s ease-out;
}

.accordion-item.active .accordion-body {
    max-height: 400px;
}

.accordion-body p {
    padding-bottom: 20px;
    font-size: 1rem;
    opacity: 0.8;
    line-height: 1.8;
}

.accordion-body p:last-child {
    padding-bottom: 28px;
}

/* Feature Images */
.features__images {
    position: sticky;
    top: 120px;
    display: flex;
    justify-content: center;
    align-items: center;
    min-height: 520px;
}

.feature-image {
    position: absolute;
    opacity: 0;
    transform: translateY(20px) scale(0.95);
    transition: var(--transition);
}

.feature-image.active {
    opacity: 1;
    transform: translateY(0) scale(1);
}

@media (max-width: 768px) {
    .features__content {
        grid-template-columns: 1fr;
        gap: 40px;
    }
    
    .features__images {
        position: relative;
        top: 0;
        min-height: auto;
        order: -1;
        margin-bottom: 20px;
    }
    
    .feature-image {
        position: relative;
        opacity: 0;
        transform: none;
        display: none;
    }
    
    .feature-image.active {
        display: block;
        opacity: 1;
    }
    
    .features__header {
        margin-bottom: 40px;
    }
    
    .features__header .section-subtitle {
        padding: 0 16px;
    }
}

/* ============================================
   Learn Section
   ============================================ */
.learn {
    padding: var(--section-padding) 0;
    overflow: hidden;
}

.learn__header {
    text-align: center;
    margin-bottom: 80px;
}

.learn__header .section-subtitle {
    margin: 0 auto;
}

.learn__content {
    display: grid;
    grid-template-columns: 1fr auto 1fr;
    align-items: center;
    gap: 32px;
    max-width: 1100px;
    margin: 0 auto;
}

.learn__phone {
    display: flex;
    justify-content: center;
    align-items: center;
}

.learn__topics-left,
.learn__topics-right {
    display: flex;
    flex-direction: column;
    gap: 20px;
}

.learn__topics-left {
    align-items: flex-end;
}

.learn__topics-right {
    align-items: flex-start;
}

.topic-card {
    background: var(--color-white);
    padding: 20px 24px;
    border-radius: var(--border-radius);
    display: flex;
    align-items: center;
    gap: 16px;
    max-width: 280px;
    box-shadow: 0 4px 20px rgba(0, 0, 0, 0.05);
    transition: var(--transition);
}

.topic-card:hover {
    transform: translateY(-4px);
    box-shadow: 0 12px 40px rgba(0, 0, 0, 0.1);
}

.topic-icon {
    font-size: 1.5rem;
    flex-shrink: 0;
    width: 48px;
    height: 48px;
    background: var(--color-accent-light);
    border-radius: 12px;
    display: flex;
    align-items: center;
    justify-content: center;
}

.topic-text {
    font-size: 0.95rem;
    line-height: 1.5;
    color: var(--color-text);
}

.learn__quote {
    text-align: center;
    margin-top: 60px;
    font-size: 1.3rem;
    color: var(--color-accent);
}

.learn__quote em {
    font-style: italic;
    font-weight: 500;
}

/* ============================================
   Journey Section
   ============================================ */
.journey {
    padding: var(--section-padding) 0;
    background: var(--color-white);
}

.journey .section-title {
    text-align: center;
    margin-bottom: 60px;
}

.journey__cards {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 32px;
}

.journey-card {
    background: var(--color-bg);
    padding: 40px 32px;
    border-radius: var(--border-radius);
    text-align: center;
    transition: var(--transition);
}

.journey-card:hover {
    transform: translateY(-8px);
    box-shadow: 0 20px 60px rgba(0, 0, 0, 0.08);
}

.journey-card__icon {
    width: 72px;
    height: 72px;
    margin: 0 auto 24px;
    background: var(--color-accent-light);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--color-accent);
}

.journey-card__step {
    display: block;
    font-size: 0.8rem;
    text-transform: uppercase;
    letter-spacing: 2px;
    color: var(--color-accent);
    margin-bottom: 12px;
}

.journey-card__title {
    font-family: var(--font-display);
    font-size: 1.4rem;
    font-weight: 500;
    color: var(--color-black);
    margin-bottom: 12px;
}

.journey-card__text {
    font-size: 0.95rem;
    opacity: 0.8;
    line-height: 1.6;
}

/* ============================================
   CTA Section
   ============================================ */
.cta {
    padding: var(--section-padding) 0;
}

.cta__inner {
    background: var(--color-black);
    border-radius: 32px;
    padding: 80px;
    text-align: center;
    position: relative;
    overflow: hidden;
}

.cta__inner::before {
    content: '';
    position: absolute;
    top: -50%;
    right: -20%;
    width: 600px;
    height: 600px;
    background: radial-gradient(circle, var(--color-accent) 0%, transparent 70%);
    opacity: 0.15;
}

.cta__inner::after {
    content: '';
    position: absolute;
    bottom: -30%;
    left: -10%;
    width: 400px;
    height: 400px;
    background: radial-gradient(circle, var(--color-accent-light) 0%, transparent 70%);
    opacity: 0.1;
}

.cta__title {
    font-family: var(--font-display);
    font-size: clamp(2rem, 4vw, 2.8rem);
    font-weight: 500;
    color: var(--color-white);
    margin-bottom: 20px;
    position: relative;
    z-index: 1;
}

.cta__text {
    font-size: 1.1rem;
    color: rgba(255, 255, 255, 0.8);
    max-width: 700px;
    margin: 0 auto 40px;
    position: relative;
    z-index: 1;
}

.cta .btn {
    position: relative;
    z-index: 1;
}

/* ============================================
   Footer
   ============================================ */
.footer {
    padding: 80px 0 40px;
    background: var(--color-bg);
    border-top: 1px solid rgba(0, 0, 0, 0.05);
}

.footer__main {
    display: flex;
    justify-content: space-between;
    align-items: flex-start;
    margin-bottom: 60px;
}

.footer__brand {
    max-width: 300px;
}

.logo__placeholder--footer {
    margin-bottom: 16px;
}

.footer__tagline {
    font-size: 0.95rem;
    opacity: 0.7;
}

.footer__links {
    display: flex;
    gap: 40px;
}

.footer__link {
    font-size: 0.95rem;
    color: var(--color-text);
    opacity: 0.8;
}

.footer__link:hover {
    opacity: 1;
    color: var(--color-black);
}

.footer__disclaimer {
    background: rgba(0, 0, 0, 0.03);
    padding: 32px;
    border-radius: var(--border-radius);
    margin-bottom: 40px;
}

.footer__disclaimer p {
    font-size: 0.85rem;
    line-height: 1.7;
    opacity: 0.7;
    margin-bottom: 12px;
}

.footer__disclaimer p:last-child {
    margin-bottom: 0;
}

.footer__disclaimer strong {
    font-weight: 600;
}

.footer__bottom {
    text-align: center;
    padding-top: 40px;
    border-top: 1px solid rgba(0, 0, 0, 0.05);
}

.footer__bottom p {
    font-size: 0.85rem;
    opacity: 0.6;
}

/* ============================================
   Animations
   ============================================ */
@keyframes fadeInUp {
    from {
        opacity: 0;
        transform: translateY(40px);
    }
    to {
        opacity: 1;
        transform: translateY(0);
    }
}

.fade-in {
    opacity: 0;
    transform: translateY(30px);
    transition: opacity 0.8s ease-out, transform 0.8s ease-out;
}

.fade-in.visible {
    opacity: 1;
    transform: translateY(0);
}

/* ============================================
   Responsive Design
   ============================================ */
@media (max-width: 1024px) {
    :root {
        --section-padding: 80px;
    }
    
    .hero__inner {
        grid-template-columns: 1fr;
        gap: 60px;
        text-align: center;
    }
    
    .hero__content {
        order: 1;
    }
    
    .hero__text {
        margin: 0 auto 40px;
    }
    
    .hero__image {
        order: 2;
    }
    
    .features__content {
        grid-template-columns: 1fr;
        gap: 60px;
    }
    
    .features__images {
        position: relative;
        top: 0;
        min-height: 400px;
        order: -1;
    }
    
    .journey__cards {
        grid-template-columns: repeat(2, 1fr);
    }
    
    .learn__content {
        grid-template-columns: 1fr;
        gap: 24px;
    }
    
    .learn__phone {
        order: -1;
        margin-bottom: 20px;
    }
    
    .learn__topics-left,
    .learn__topics-right {
        align-items: center;
    }
    
    .topic-card {
        max-width: 100%;
        width: 100%;
    }
}

@media (max-width: 768px) {
    .nav {
        display: none;
    }
    
    .hero {
        padding-top: 120px;
    }
    
    .phone-mockup {
        width: 240px;
        height: 500px;
        border-radius: 36px;
    }
    
    .phone-mockup__screen {
        border-radius: 28px;
    }
    
    .phone-mockup::before {
        width: 60px;
        height: 20px;
    }
    
    .journey__cards {
        grid-template-columns: 1fr;
    }
    
    .cta__inner {
        padding: 60px 32px;
        border-radius: 24px;
    }
    
    .footer__main {
        flex-direction: column;
        gap: 40px;
    }
    
    .footer__links {
        flex-direction: column;
        gap: 16px;
    }
}

@media (max-width: 480px) {
    body {
        font-size: 16px;
    }
    
    .btn {
        padding: 16px 32px;
        width: 100%;
    }
    
    .btn--small {
        width: auto;
    }
    
    .hero__title {
        font-size: 2rem;
    }
    
    .phone-mockup {
        width: 200px;
        height: 420px;
        border-radius: 32px;
    }
    
    .phone-mockup--small {
        width: 200px;
        height: 420px;
    }
    
    .accordion-header {
        padding: 20px 0;
    }
    
    .accordion-title {
        font-size: 1.1rem;
    }
    
    .topic-card {
        padding: 16px 20px;
    }
    
    .topic-icon {
        width: 40px;
        height: 40px;
        font-size: 1.2rem;
    }
    
    .journey-card {
        padding: 32px 24px;
    }
}

/* ============================================
   Pages Styles — Privacy, Terms, Credit Auth
   Add this to your main styles.css or keep separate
   ============================================ */

/* Page Layout */
.page {
    padding: 160px 0 80px;
    min-height: 100vh;
}

.page__content {
    max-width: 760px;
    margin: 0 auto;
}

/* Page Title */
.page__title {
    font-family: var(--font-display);
    font-size: clamp(2.2rem, 5vw, 3rem);
    font-weight: 500;
    color: var(--color-black);
    margin-bottom: 8px;
    line-height: 1.2;
}

.page__date {
    font-size: 0.95rem;
    color: var(--color-text);
    opacity: 0.6;
    margin-bottom: 48px;
}

.page__intro {
    font-size: 1.1rem;
    line-height: 1.8;
    margin-bottom: 16px;
}

/* Sections */
.page__section {
    margin-bottom: 48px;
}

.page__section:last-child {
    margin-bottom: 0;
}

/* Section Headings */
.page__section h2 {
    font-family: var(--font-display);
    font-size: 1.4rem;
    font-weight: 500;
    color: var(--color-black);
    margin-bottom: 20px;
    line-height: 1.3;
}

.page__section h3 {
    font-family: var(--font-display);
    font-size: 1.15rem;
    font-weight: 500;
    color: var(--color-text);
    margin-top: 32px;
    margin-bottom: 16px;
    line-height: 1.4;
}

.page__section h3:first-child {
    margin-top: 0;
}

/* Paragraphs */
.page__section p {
    font-size: 1rem;
    line-height: 1.8;
    color: var(--color-text);
    margin-bottom: 16px;
}

.page__section p:last-child {
    margin-bottom: 0;
}

/* Lists */
.page__section ul {
    margin: 16px 0;
    padding-left: 24px;
    list-style: none;
}

.page__section ul li {
    position: relative;
    font-size: 1rem;
    line-height: 1.8;
    color: var(--color-text);
    margin-bottom: 8px;
    padding-left: 16px;
}

.page__section ul li::before {
    content: '';
    position: absolute;
    left: 0;
    top: 12px;
    width: 4px;
    height: 4px;
    background: var(--color-accent);
    border-radius: 50%;
}

.page__section ul li:last-child {
    margin-bottom: 0;
}

/* Responsive */
@media (max-width: 768px) {
    .page {
        padding: 120px 0 60px;
    }
    
    .page__title {
        font-size: 1.8rem;
    }
    
    .page__date {
        margin-bottom: 36px;
    }
    
    .page__section {
        margin-bottom: 36px;
    }
    
    .page__section h2 {
        font-size: 1.25rem;
    }
    
    .page__section h3 {
        font-size: 1.1rem;
        margin-top: 24px;
    }
}

@media (max-width: 480px) {
    .page {
        padding: 100px 0 48px;
    }
    
    .page__content {
        padding: 0;
    }
    
    .page__section p,
    .page__section ul li {
        font-size: 0.95rem;
    }
    
    .page__section ul {
        padding-left: 16px;
    }
}

/* ============================================
   Contact Page
   ============================================ */
.contact-page {
    display: flex;
    align-items: center;
}

.contact__header {
    text-align: center;
    margin-bottom: 60px;
}

.contact__subtitle {
    font-size: 1.15rem;
    color: var(--color-text);
    opacity: 0.8;
    margin-top: 12px;
}

.contact__cards {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 32px;
    max-width: 1050px;
    margin: 0 auto;
}

.contact-card {
    background: var(--color-white);
    padding: 40px 32px;
    border-radius: var(--border-radius);
    text-align: center;
    transition: var(--transition);
}

.contact-card:hover {
    transform: translateY(-6px);
    box-shadow: 0 16px 48px rgba(0, 0, 0, 0.08);
}

.contact-card__icon {
    width: 64px;
    height: 64px;
    margin: 0 auto 24px;
    background: var(--color-accent-light);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--color-accent);
}

.contact-card__title {
    font-family: var(--font-display);
    font-size: 1.25rem;
    font-weight: 500;
    color: var(--color-black);
    margin-bottom: 16px;
}

.contact-card__link {
    display: block;
    font-size: 1rem;
    color: var(--color-accent);
    margin-bottom: 8px;
    word-break: break-word;
    transition: var(--transition);
}

.contact-card__link:hover {
    color: var(--color-black);
}

.contact-card__detail {
    font-size: 1rem;
    color: var(--color-text);
    margin-bottom: 4px;
}

.contact-card__text {
    font-size: 0.9rem;
    color: var(--color-text);
    opacity: 0.7;
}

/* Contact Page Responsive */
@media (max-width: 768px) {
    .contact__cards {
        grid-template-columns: 1fr;
        max-width: 400px;
    }
    
    .contact-card {
        padding: 32px 24px;
    }
}

@media (max-width: 480px) {
    .contact__header {
        margin-bottom: 40px;
    }
    
    .contact__subtitle {
        font-size: 1rem;
    }
}