/* Brand: SIMPLE SMART SYSTEMS teal (#183E49, from the logo). TadbirCore keeps its own navy/blue, used only inside its product card. */
:root{
 --brand:#183E49;--brand-deep:#0C2A32;--brand-ink:#fff;
 --accent:#0B6E7D;              /* links and interactive text: 5.9:1 on white */
 --ink:#0F2328;--muted:#4F666D; /* 16.3:1 / 6.1:1 on white */
 --head:#183E49;
 --bg:#fff;--alt:#F2F6F7;--card:#fff;--line:#DCE6E8;
 --header-bg:rgba(255,255,255,.9);
 --foot:#0A2026;
 --tint:rgba(11,110,125,.1);
 --hero-glow:rgba(70,160,175,.45);--hero-eyebrow:#8ED3DC;
 --tc-navy:#001F54;--tc-blue:#255EDC;--tc-tint:#EEF3FD;
 --r:14px;--ease-out:cubic-bezier(.23,1,.32,1);
 color-scheme:light dark;
}
@media (prefers-color-scheme:dark){
 :root{
  --accent:#6CCFDC;--ink:#E4EEF0;--muted:#9BB3B9;--head:#F1F7F8;
  --bg:#0B1D22;--alt:#10272D;--card:#122C33;--line:#22414A;
  --brand:#6CCFDC;--brand-ink:#062229;
  --header-bg:rgba(11,29,34,.85);--foot:#071519;
  --tint:rgba(108,207,220,.12);
  --tc-tint:#15304A;
 }
}
@media (prefers-contrast:more){
 :root{--muted:var(--ink);--line:#8BA3A9}
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-padding-top:96px}
body{margin:0;font-family:Manrope,system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;color:var(--ink);background:var(--bg);line-height:1.65;font-size:17px;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;-webkit-tap-highlight-color:transparent}
::selection{background:var(--tint)}
/* short pages (legal stubs) keep the footer at the bottom instead of leaving a blank band */
body{display:flex;flex-direction:column;min-height:100vh;min-height:100dvh}
main{flex:1}
.skip{position:absolute;left:16px;top:-60px;z-index:20;background:var(--brand);color:var(--brand-ink);font-weight:700;padding:10px 16px;border-radius:10px}
.skip:focus{top:12px;text-decoration:none}
img{max-width:100%}
a{color:var(--accent);text-decoration:none;text-underline-offset:3px;text-decoration-thickness:1px;transition:color 150ms ease}
@media (hover:hover) and (pointer:fine){a:hover{text-decoration:underline}}
/* links inside running text are underlined so they don't rely on color alone */
main p a:not(.btn):not(.more),main dd a,main li a:not(.btn){text-decoration:underline;text-decoration-color:color-mix(in srgb,currentColor 40%,transparent)}
main .doclinks a{text-decoration:none}
:focus-visible{outline:2px solid var(--accent);outline-offset:3px;border-radius:6px}
/* on the dark teal surfaces the accent ring drops to ~2:1, so switch to a light ring */
.hero :focus-visible,.phead :focus-visible,.foot :focus-visible{outline-color:var(--hero-eyebrow)}
h1,h2,h3,h4{color:var(--head);line-height:1.2;margin:0 0 .6em;letter-spacing:-.01em;text-wrap:balance}
p{text-wrap:pretty}
/* tracking and leading tighten as size grows; body stays at 0 */
h1{font-size:clamp(2rem,4.5vw,3.3rem);font-weight:800;line-height:1.08;letter-spacing:-.025em}
h2{font-size:clamp(1.5rem,2.6vw,2rem);font-weight:800;line-height:1.15;letter-spacing:-.02em}
h3{font-size:1.2rem;font-weight:700}
h4{font-size:.8rem;text-transform:uppercase;letter-spacing:.08em;color:var(--muted);font-weight:700}
p{margin:0 0 1em}
.wrap{max-width:1140px;margin:0 auto;padding:0 20px}
.narrow{max-width:760px}
.muted{color:var(--muted)}.small{font-size:.9rem}
/* header */
.top{position:sticky;top:0;z-index:10;background:var(--header-bg);backdrop-filter:saturate(1.4) blur(10px);-webkit-backdrop-filter:saturate(1.4) blur(10px);border-bottom:1px solid var(--line)}
@media (prefers-reduced-transparency:reduce){.top{background:var(--bg);backdrop-filter:none;-webkit-backdrop-filter:none}}
.bar{display:flex;align-items:center;gap:24px;min-height:74px}
.brand{display:flex;align-items:center;flex:none;padding:6px 0}
.brand:hover{text-decoration:none}
.brand img{display:block;height:50px;width:auto}
.brand.light img{height:60px}
.brand-text{display:none;color:var(--head);font-weight:800;font-size:.8rem;letter-spacing:.06em;line-height:1.15}
.nav{display:flex;gap:6px;margin-left:auto}
.nav a{color:var(--ink);font-weight:600;font-size:.95rem;display:inline-flex;align-items:center;min-height:44px;padding:0 10px;border-radius:8px}
.nav a[aria-current]{color:var(--accent)}
.nav a:hover{text-decoration:none}
@media (hover:hover) and (pointer:fine){.nav a:hover{color:var(--accent);background:var(--tint)}}
.langs{display:flex;border:1px solid var(--line);border-radius:999px;padding:3px}
.langs a{font-size:.78rem;font-weight:700;color:var(--muted);display:inline-flex;align-items:center;min-height:36px;padding:0 12px;border-radius:999px;transition:color 150ms ease,background-color 150ms ease}
.langs a.on{background:var(--brand);color:var(--brand-ink)}
.langs a:hover{text-decoration:none}
@media (hover:hover) and (pointer:fine){.langs a:not(.on):hover{color:var(--ink);background:var(--alt)}}
/* hero */
.hero{background:radial-gradient(1000px 500px at 85% -10%,var(--hero-glow),transparent 60%),linear-gradient(160deg,#183E49 0%,#0C2A32 100%);color:#fff;padding:110px 0 120px;position:relative;overflow:hidden}
.hero::after{content:"";position:absolute;inset:0;background-image:repeating-linear-gradient(135deg,rgba(255,255,255,.045) 0 2px,transparent 2px 14px);mask-image:linear-gradient(90deg,transparent 35%,#000 85%);-webkit-mask-image:linear-gradient(90deg,transparent 35%,#000 85%);pointer-events:none}
.hero .wrap{position:relative;z-index:1}
.hero h1{color:#fff;max-width:820px}
.lead{font-size:1.2rem;max-width:720px;color:rgba(255,255,255,.85)}
.lead.dark{color:var(--ink)}
.two>.lead.dark{border-left:3px solid var(--accent);padding-left:24px;font-size:clamp(1.2rem,2vw,1.45rem);line-height:1.5;font-weight:500;margin:0}
.eyebrow{font-size:.8rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--hero-eyebrow);margin-bottom:18px}
.eyebrow.dark{color:var(--accent)}
.btns{display:flex;gap:12px;flex-wrap:wrap;margin-top:32px}
.btn{display:inline-flex;align-items:center;justify-content:center;text-align:center;min-height:48px;line-height:1.3;background:var(--brand);color:var(--brand-ink);font-weight:700;padding:10px 24px;border-radius:10px;border:1px solid var(--brand);user-select:none;transition:transform 160ms var(--ease-out),background-color 150ms ease,border-color 150ms ease,filter 150ms ease}
.btn:hover{text-decoration:none}
.btn:active{transform:scale(.97)}
.hero .btn{background:#fff;color:#183E49;border-color:#fff}
.hero .btn.ghost,.btn.ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.45)}
@media (hover:hover) and (pointer:fine){
 .btn:hover{filter:brightness(1.12)}
 .hero .btn:hover{filter:none;background:#E3F1F3;border-color:#E3F1F3}
 .hero .btn.ghost:hover{background:rgba(255,255,255,.08);border-color:rgba(255,255,255,.75)}
}
/* hero entrance: seen once per visit, so it can afford a short staggered rise */
.hero .wrap>*{animation:rise 600ms var(--ease-out) both}
.hero .wrap>:nth-child(2){animation-delay:60ms}
.hero .wrap>:nth-child(3){animation-delay:120ms}
.hero .wrap>:nth-child(4){animation-delay:180ms}
@keyframes rise{from{opacity:0;transform:translateY(10px)}}
@media (prefers-reduced-motion:reduce){
 .hero .wrap>*{animation-name:fade}
 .btn:active{transform:none}
}
@keyframes fade{from{opacity:0}}
/* sections */
.sec{padding:84px 0}
.sec.alt{background:var(--alt)}
.two{display:grid;grid-template-columns:1fr 1.6fr;gap:48px;align-items:start}
.phead{background:linear-gradient(160deg,#183E49,#0C2A32);padding:72px 0 56px}
.phead h1{color:#fff;font-size:clamp(1.8rem,3.6vw,2.6rem)}
.phead .lead,.phead .muted{color:rgba(255,255,255,.78)}
.crumbs{font-size:.9rem;color:rgba(255,255,255,.65)}.crumbs a{color:var(--hero-eyebrow)}
.more{font-weight:700;display:inline-block;transition:transform 200ms var(--ease-out)}
@media (hover:hover) and (pointer:fine){.more:hover{text-decoration:none;transform:translateX(3px)}}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:12px}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:28px;box-shadow:0 1px 2px rgba(15,35,40,.04),0 8px 24px -12px rgba(15,35,40,.12)}
@media (prefers-color-scheme:dark){.card{box-shadow:none}}
.card p{color:var(--muted);margin:0}
.ico{width:46px;height:46px;border-radius:12px;background:var(--tint);color:var(--accent);display:grid;place-items:center;margin-bottom:18px}
.ico svg{width:24px;height:24px}
/* TadbirCore product card: the one place TadbirCore's own navy/blue appear */
.product{display:grid;grid-template-columns:1.6fr 1fr;gap:40px;border:1px solid var(--line);border-radius:var(--r);padding:36px;background:linear-gradient(135deg,var(--card) 55%,var(--tc-tint))}
.plogo{margin:0 0 20px}
.plogo img{display:block;height:56px;width:auto;margin-left:-6px}
.product .btn{background:var(--tc-blue);border-color:var(--tc-blue);color:#fff}
.tag{display:inline-block;font-size:.75rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--accent);background:var(--tint);padding:4px 10px;border-radius:999px}
.pside{border-left:1px solid var(--line);padding-left:32px}
.stats{display:flex;flex-wrap:wrap;gap:16px 36px;margin:8px 0 14px}
.stats>div{border-left:2px solid var(--tc-blue);padding-left:14px}
.stats b{display:block;font-size:1.7rem;font-weight:800;color:var(--head);line-height:1.1;font-variant-numeric:tabular-nums;letter-spacing:-.02em}
.stats span{font-size:.85rem;color:var(--muted)}
.steps{list-style:none;counter-reset:s;margin:0;padding:0;display:grid;gap:18px}
.steps li{counter-increment:s;display:grid;grid-template-columns:36px 1fr;gap:14px;align-items:start;position:relative;padding-top:5px}
.steps li::before{margin-top:-5px}
/* thin rail joining the numbers so the list reads as one sequence */
.steps li:not(:last-child)::after{content:"";position:absolute;left:17px;top:40px;bottom:-14px;width:2px;background:var(--line)}
.steps li::before{content:counter(s);display:grid;place-items:center;width:36px;height:36px;border-radius:50%;background:var(--brand);color:var(--brand-ink);font-weight:800;font-size:.95rem}
.ticks{list-style:none;margin:0 0 1em;padding:0;display:grid;gap:10px}
.ticks li{position:relative;padding-left:28px}
.ticks li::before{content:"";position:absolute;left:2px;top:.55em;width:12px;height:7px;border-left:2px solid var(--accent);border-bottom:2px solid var(--accent);transform:rotate(-45deg)}
.chips{list-style:none;margin:0 0 12px;padding:0;display:flex;flex-wrap:wrap;gap:8px}
.chips li{background:var(--card);border:1px solid var(--line);border-radius:999px;padding:6px 14px;font-size:.92rem;font-weight:600}
.doclinks{list-style:none;padding:0;margin:0}
.doclinks li{border-bottom:1px solid var(--line)}
.doclinks a{display:flex;align-items:center;justify-content:space-between;gap:12px;min-height:48px;transition:transform 200ms var(--ease-out)}
.doclinks a::after{content:"";flex:none;width:7px;height:7px;border-top:2px solid currentColor;border-right:2px solid currentColor;transform:rotate(45deg);opacity:.55;margin-right:4px}
@media (hover:hover) and (pointer:fine){.doclinks a:hover{text-decoration:none;transform:translateX(3px)}}
.kv{display:grid;grid-template-columns:minmax(max-content,9rem) 1fr;gap:14px 28px;margin:0}
.kv dt{color:var(--muted);font-weight:600;font-size:.92rem}
.kv dd{margin:0;font-weight:600}
.map{border-radius:var(--r);overflow:hidden;border:1px solid var(--line);min-height:340px}
.map iframe{width:100%;height:100%;min-height:340px;border:0;display:block}
.maplink{margin:12px 0 0}
@media (prefers-color-scheme:dark){.map iframe{filter:brightness(.88) contrast(1.05)}}
.notice{background:var(--alt);border:1px solid var(--line);border-left:4px solid var(--accent);border-radius:10px;padding:24px 28px}
.notice p:last-child{margin:0}
/* footer */
.foot{background:var(--foot);color:rgba(255,255,255,.78);padding:60px 0 28px;font-size:.92rem}
.foot a{color:#fff;display:inline-block;padding:5px 0}
.foot .brand{padding:0}
.foot .muted{color:rgba(255,255,255,.65);margin-top:16px}
.foot h4{color:rgba(255,255,255,.6)}
.fgrid{display:grid;grid-template-columns:1.6fr 1fr 1fr;gap:40px}
/* desktop: the section title stays beside its text while long columns scroll */
@media (min-width:901px){.two>h2{position:sticky;top:110px}}
.copy{border-top:1px solid rgba(255,255,255,.12);margin-top:40px;padding-top:20px;color:rgba(255,255,255,.6)}
@media (max-width:900px){
 .bar{flex-wrap:wrap;gap:4px 16px;padding-top:10px}
 .brand{gap:10px}
 .brand img{height:40px}
 .brand-text{display:block}
 .nav{order:3;width:calc(100% + 12px);margin-left:-6px;gap:0;flex-wrap:wrap;padding-bottom:4px;white-space:nowrap}
 .nav a{padding:0 6px;min-height:40px}
 .langs{margin-left:auto}
 .langs a{min-height:40px}
 .two,.product,.fgrid{grid-template-columns:1fr;gap:24px}
 .cards{grid-template-columns:1fr}
 .pside{border-left:0;padding-left:0;border-top:1px solid var(--line);padding-top:24px}
 .hero{padding:72px 0 80px}.sec{padding:60px 0}
 .kv{grid-template-columns:1fr;gap:2px}.kv dd{margin-bottom:12px}
 .plogo img{height:46px}
 .stats{gap:8px 22px}.stats b{font-size:1.35rem}
}
/* ===== home page ===== */
.hero-xl{padding:88px 0 48px;min-height:min(calc(100svh - 75px),940px);display:flex;flex-direction:column;justify-content:center;background:radial-gradient(700px 480px at 78% 38%,rgba(70,170,185,.32),transparent 70%),radial-gradient(600px 400px at 0% 100%,rgba(37,94,220,.16),transparent 70%),linear-gradient(160deg,#183E49 0%,#0C2A32 55%,#08222A 100%)}
/* a faint engineering grid instead of the diagonal stripes, fading out toward the copy */
.hero-xl::after{background-image:linear-gradient(rgba(255,255,255,.05) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.05) 1px,transparent 1px);background-size:56px 56px;mask-image:radial-gradient(ellipse 60% 70% at 75% 45%,#000 20%,transparent 75%);-webkit-mask-image:radial-gradient(ellipse 60% 70% at 75% 45%,#000 20%,transparent 75%)}
.hero-xl .wrap{width:100%}
.hero-xl .wrap>*{animation:none}
.hero-grid{display:grid;grid-template-columns:1.15fr 1fr;gap:48px;align-items:center}
.hero-xl h1{font-size:clamp(2.3rem,4.6vw,4.1rem);line-height:1.04;letter-spacing:-.035em;max-width:none;margin-bottom:.45em}
.hero-xl h1 em{font-style:normal;background:linear-gradient(90deg,#8ED3DC,#D9F5F8);-webkit-background-clip:text;background-clip:text;color:transparent}
.hero-xl .lead{font-size:clamp(1.05rem,1.4vw,1.22rem);max-width:600px}
.pill{display:inline-flex;align-items:center;gap:10px;padding:7px 14px;border:1px solid rgba(142,211,220,.3);background:rgba(142,211,220,.08);border-radius:999px;font-size:.74rem;margin-bottom:26px}
.pill .dot{width:7px;height:7px;border-radius:50%;background:#8ED3DC;box-shadow:0 0 0 4px rgba(142,211,220,.18)}
.hero-copy>*{animation:rise 700ms var(--ease-out) both}
.hero-copy>:nth-child(2){animation-delay:70ms}
.hero-copy>:nth-child(3){animation-delay:140ms}
.hero-copy>:nth-child(4){animation-delay:210ms}
/* connection diagram: entrepreneurs, banks and state databases meeting in TadbirCore */
.hero-xl .viz{position:relative;width:100%;max-width:470px;aspect-ratio:1;justify-self:center;animation:vizin 900ms 200ms var(--ease-out) both}
@keyframes vizin{from{opacity:0;transform:scale(.96)}}
.viz>svg{position:absolute;inset:0;width:100%;height:100%;overflow:visible}
.ring{fill:none;stroke:rgba(142,211,220,.16);stroke-width:1}
.ring.dash{stroke:rgba(142,211,220,.3);stroke-dasharray:2 7}
.spin{transform-origin:200px 200px;animation:spin 80s linear infinite}
@keyframes spin{to{transform:rotate(360deg)}}
.link{fill:none;stroke:rgba(142,211,220,.28);stroke-width:1.5}
.flow{fill:none;stroke:#8ED3DC;stroke-width:2;stroke-linecap:round;stroke-dasharray:6 34;animation:flow 2.6s linear infinite}
.flow.f2{animation-delay:-.9s}.flow.f3{animation-delay:-1.7s}
@keyframes flow{to{stroke-dashoffset:-40}}
.hub{position:absolute;left:50%;top:50%;transform:translate(-50%,-50%);display:grid;justify-items:center;gap:8px;padding:22px 24px 16px;border-radius:20px;background:rgba(8,34,42,.78);border:1px solid rgba(142,211,220,.35);box-shadow:0 0 0 8px rgba(142,211,220,.06),0 24px 60px -20px rgba(0,0,0,.6);backdrop-filter:blur(8px);-webkit-backdrop-filter:blur(8px)}
.hub img{display:block;width:150px;height:auto}
.hub span{font-size:.72rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:#8ED3DC}
.node{position:absolute;transform:translate(-50%,-50%);display:flex;align-items:center;gap:10px;width:max-content;max-width:15em;padding:10px 14px;border-radius:14px;background:#123A44;border:1px solid rgba(255,255,255,.16);color:#fff;font-size:.85rem;font-weight:700;line-height:1.25;backdrop-filter:blur(8px);-webkit-backdrop-filter:blur(8px);animation:bob 6s ease-in-out infinite alternate}
.node i{flex:none;display:grid;place-items:center;width:32px;height:32px;border-radius:9px;background:rgba(142,211,220,.16);color:#8ED3DC}
.node i svg{width:18px;height:18px}
.node b{font-size:1.6rem;font-weight:800;color:#8ED3DC;letter-spacing:-.02em;line-height:1}
.n1{left:20%;top:22%}.n2{left:82%;top:29%;animation-delay:-2s}.n3{left:28%;top:82%;animation-delay:-4s}
@keyframes bob{to{translate:0 -7px}}
/* proof row */
.hero-xl .hero-stats{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:56px;animation:rise 700ms 320ms var(--ease-out) both}
.hero-stats>div{padding:20px 24px;border-radius:var(--r);background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.1)}
.hero-stats b{display:block;font-size:clamp(1.7rem,3vw,2.4rem);font-weight:800;letter-spacing:-.03em;line-height:1.1;font-variant-numeric:tabular-nums;color:#fff}
.hero-stats span{font-size:.9rem;color:rgba(255,255,255,.72)}
.hero-xl .hero-note{margin:14px 0 0;font-size:.8rem;color:rgba(255,255,255,.6);animation:fade 700ms 400ms both}
/* partner bank marquee: pauses on hover, with a button, and stands still under reduced motion */
.banks{padding:36px 0 32px;border-bottom:1px solid var(--line)}
.banks-head{display:flex;align-items:center;justify-content:space-between;gap:16px;margin-bottom:18px}
.banks-t{margin:0;font-size:.78rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--muted)}
.mq-btn{flex:none;display:grid;place-items:center;width:44px;height:44px;border-radius:50%;border:1px solid var(--line);background:var(--card);color:var(--muted);cursor:pointer;transition:color 150ms ease,border-color 150ms ease}
.mq-btn svg{width:14px;height:14px}
.mq-btn .i-play,.mq-btn[aria-pressed="true"] .i-pause{display:none}
.mq-btn[aria-pressed="true"] .i-play{display:block}
@media (hover:hover) and (pointer:fine){.mq-btn:hover{color:var(--ink);border-color:var(--muted)}}
.mq{display:flex;overflow:hidden;mask-image:linear-gradient(90deg,transparent,#000 7%,#000 93%,transparent);-webkit-mask-image:linear-gradient(90deg,transparent,#000 7%,#000 93%,transparent)}
.mq-track{flex:none;display:flex;gap:12px;list-style:none;margin:0;padding:0 12px 0 0;animation:mq 70s linear infinite}
/* bank logos are drawn for light backgrounds, so each sits on a white tile in both themes */
.mq-track li{flex:none;display:flex;align-items:center;justify-content:center;height:72px;padding:0 28px;border-radius:var(--r);border:1px solid var(--line);background:#fff}
.mq-track img{display:block;height:30px;width:auto;max-width:170px}
.mq-track li.tall img{height:48px}
/* NBU, Trustbank and Garant set their name under the emblem, so they need nearly the full tile height to read */
.mq-track li.tall img[src*="/nbu."],.mq-track li.tall img[src*="/trustbank."],.mq-track li.tall img[src*="/garantbank."]{height:60px}
/* Asia Alliance Bank sets its name on two lines, so it needs more height than one-line wordmarks */
.mq-track img[src*="/aab."]{height:44px}
/* BRB is a compact emblem with small lettering, so it needs the extra height to read */
.mq-track img[src*="/brb."]{height:50px}
/* MKBANK's wordmark is short and light, so it reads small at the default height */
.mq-track img[src*="/mkbank."]{height:38px}
/* Ipak Yuli sets its name on two lines, like Asia Alliance Bank */
.mq-track img[src*="/ipakyuli."]{height:44px}
/* Orient Finans Bank is a very long one-line wordmark: the width cap, not the height, was shrinking it */
.mq-track img[src*="/ofb."]{max-width:250px}
/* TuronBank's serif wordmark is thin, so it gets a little more height (and the width to allow it) */
.mq-track img[src*="/turonbank."]{height:38px;max-width:210px}
.mq.paused .mq-track{animation-play-state:paused}
@media (hover:hover){.mq:hover .mq-track{animation-play-state:paused}}
@keyframes mq{to{transform:translateX(-100%)}}
/* sections */
.big{font-size:1.25rem;line-height:1.55;color:var(--head);font-weight:500}
.card{position:relative;padding:32px}
.card .num{position:absolute;top:26px;right:28px;font-size:.85rem;font-weight:800;color:var(--muted);opacity:.6;font-variant-numeric:tabular-nums}
.card .ico{width:52px;height:52px;border-radius:14px}
.shead{display:flex;align-items:baseline;justify-content:space-between;gap:12px 24px;flex-wrap:wrap;margin-bottom:28px}
.shead h2{margin:0}
.flowsteps{list-style:none;counter-reset:f;margin:0;padding:0;display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
.flowsteps li{counter-increment:f;position:relative;padding-top:64px;color:var(--ink)}
.flowsteps li::before{content:counter(f,decimal-leading-zero);position:absolute;top:0;left:0;display:grid;place-items:center;width:44px;height:44px;border-radius:12px;background:var(--brand);color:var(--brand-ink);font-weight:800;font-size:.95rem}
.flowsteps li:not(:last-child)::after{content:"";position:absolute;top:22px;left:56px;right:-8px;height:2px;background:linear-gradient(90deg,var(--line),transparent)}
/* contact panel */
.cta{display:grid;grid-template-columns:1.1fr 1fr;gap:48px;align-items:center;padding:56px;border-radius:24px;color:rgba(255,255,255,.82);background:radial-gradient(500px 300px at 100% 0%,rgba(70,170,185,.35),transparent 70%),linear-gradient(160deg,#183E49,#0C2A32);border:1px solid rgba(142,211,220,.18)}
.cta h2{color:#fff;font-size:clamp(1.8rem,3.4vw,2.6rem)}
.cta p{font-size:1.1rem;max-width:460px}
.cta .btn{background:#fff;color:#183E49;border-color:#fff}
@media (hover:hover) and (pointer:fine){.cta .btn:hover{filter:none;background:#E3F1F3;border-color:#E3F1F3}}
.cta :focus-visible{outline-color:var(--hero-eyebrow)}
.cta-kv{display:grid;grid-template-columns:auto 1fr;gap:14px 24px;margin:0;padding:28px;border-radius:16px;background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.1)}
.cta-kv dt{font-size:.85rem;font-weight:600;color:rgba(255,255,255,.62)}
.cta-kv dd{margin:0;font-weight:600;color:#fff}
.cta-kv a{color:#fff;text-decoration:underline;text-decoration-color:rgba(255,255,255,.4)}
/* reveal on scroll: only when JS is running, and only for people who allow motion */
@media (prefers-reduced-motion:no-preference){
 .js .rv{opacity:0;transform:translateY(18px);transition:opacity 700ms var(--ease-out),transform 700ms var(--ease-out)}
 .js .rv.in{opacity:1;transform:none}
 .js .cards .rv:nth-child(2),.js .flowsteps .rv:nth-child(2){transition-delay:80ms}
 .js .cards .rv:nth-child(3),.js .flowsteps .rv:nth-child(3){transition-delay:160ms}
 .js .flowsteps .rv:nth-child(4){transition-delay:240ms}
}
@media (prefers-reduced-motion:reduce){
 .hero-copy>*,.hero-xl .hero-stats,.hero-xl .hero-note{animation-name:fade}
 .hero-xl .viz,.spin,.flow,.node{animation:none}
 .flow{display:none}
 .mq{mask-image:none;-webkit-mask-image:none}
 .mq-track{animation:none;flex-wrap:wrap;flex:1;gap:10px;padding:0}
 .mq-track[aria-hidden]{display:none}
 .mq-btn{display:none}
}
@media (max-width:900px){
 .hero-xl{padding:56px 0 40px;min-height:0}
 .hero-grid{grid-template-columns:1fr;gap:28px}
 .hero-xl .viz{max-width:400px}
 .node{font-size:.78rem;padding:8px 10px;gap:8px}
 .node i{width:28px;height:28px}
 .node b{font-size:1.3rem}
 .n1{left:27%}.n2{left:76%}
 .hub{padding:16px 18px 12px}.hub img{width:120px}
 .hero-xl .hero-stats{grid-template-columns:1fr;gap:10px;margin-top:36px}
 .hero-stats>div{display:flex;align-items:baseline;gap:12px;padding:14px 18px}
 .flowsteps{grid-template-columns:1fr;gap:24px}
 .flowsteps li{padding:8px 0 0 64px;min-height:44px}
 .flowsteps li:not(:last-child)::after{top:52px;left:21px;right:auto;bottom:-20px;width:2px;height:auto;background:var(--line)}
 .cta{grid-template-columns:1fr;gap:28px;padding:32px 22px;border-radius:20px}
 .cta-kv{grid-template-columns:1fr;gap:2px;padding:20px}.cta-kv dd{margin-bottom:12px}
 .mq-track li{height:60px;padding:0 20px}
 .mq-track img{height:24px;max-width:160px}
 .mq-track li.tall img{height:40px}
 .mq-track li.tall img[src*="/nbu."],.mq-track li.tall img[src*="/trustbank."],.mq-track li.tall img[src*="/garantbank."]{height:50px}
 .mq-track img[src*="/aab."]{height:36px}
 .mq-track img[src*="/brb."]{height:42px}
 .mq-track img[src*="/mkbank."]{height:30px}
 .mq-track img[src*="/ipakyuli."]{height:36px}
 .mq-track img[src*="/ofb."]{max-width:200px}
 .mq-track img[src*="/turonbank."]{height:31px;max-width:170px}
 .big{font-size:1.12rem}
}