/* eFinance — original design system, v2 ("warm & bright")
   Palette: warm paper with soft peach/mint washes, ink text, coral signal, deep green for verified states,
   plus a soft sky blue for secondary tints. Type: Fraunces display serif + IBM Plex Sans/Mono.
   Shape language: generous radii, soft layered shadows, pill buttons, tinted panels. */

:root {
  --ink: #141a21;
  --ink-2: #2c343e;
  --muted: #68717d;
  --paper: #faf7f2;
  --paper-2: #f3eee5;
  --rule: #e4ddd0;
  --white: #ffffff;
  --coral: #e8553a;
  --coral-2: #c9431f;
  --coral-soft: #fde7df;
  --green: #1f6b55;
  --green-2: #2f9a7a;
  --green-soft: #dff3ea;
  --sky: #2f6fed;
  --sky-soft: #e3ecfd;
  --gold-soft: #fff1cf;
  --max: 1180px;
  --r: 18px;
  --r-sm: 10px;
  --shadow-sm: 0 1px 2px rgba(20,26,33,.05), 0 4px 14px rgba(20,26,33,.06);
  --shadow: 0 2px 4px rgba(20,26,33,.05), 0 18px 40px rgba(20,26,33,.10);
  --serif: "Fraunces", Georgia, "Times New Roman", serif;
  --sans: "IBM Plex Sans", system-ui, -apple-system, "Segoe UI", sans-serif;
  --mono: "IBM Plex Mono", ui-monospace, Menlo, Consolas, monospace;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0; background: var(--paper); color: var(--ink);
  font-family: var(--sans); font-size: 17px; line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}
img, svg { max-width: 100%; }
a { color: var(--green); text-decoration-thickness: 1px; text-underline-offset: 3px; }
a:hover { color: var(--coral-2); }
p { margin: 0 0 1em; }
h1, h2, h3, h4 { font-family: var(--serif); font-weight: 500; line-height: 1.1; margin: 0 0 .5em; letter-spacing: -0.01em; }
h1 { font-size: clamp(2.7rem, 6vw, 4.8rem); font-variation-settings: "opsz" 144, "SOFT" 40; }
h2 { font-size: clamp(2rem, 3.6vw, 3rem); }
h3 { font-size: 1.4rem; }
h4 { font-family: var(--sans); font-weight: 600; letter-spacing: .08em; text-transform: uppercase; font-size: .74rem; color: var(--muted); }
.container { width: min(var(--max), 100% - 40px); margin-inline: auto; }
.muted { color: var(--muted); }
.mono { font-family: var(--mono); font-size: .85em; }
.sr-only { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }

/* Labels */
.label { display: inline-flex; align-items: center; gap: .5rem; font-family: var(--mono); font-size: .72rem; letter-spacing: .12em; text-transform: uppercase; color: var(--coral-2); background: var(--coral-soft); padding: .4rem .8rem; border-radius: 999px; margin-bottom: 1.2rem; }
.label::before { content: ""; width: 7px; height: 7px; border-radius: 50%; background: var(--coral); }

/* Buttons */
.btn {
  display: inline-flex; align-items: center; gap: .55rem; padding: .9rem 1.5rem; border-radius: 999px;
  font-family: var(--sans); font-weight: 600; font-size: .95rem; text-decoration: none; cursor: pointer;
  border: 1.5px solid var(--ink); color: var(--ink); background: var(--white); transition: .18s; box-shadow: var(--shadow-sm);
}
.btn:hover { transform: translateY(-1px); box-shadow: var(--shadow); color: var(--ink); }
.btn-fill { background: var(--ink); color: var(--paper); }
.btn-fill:hover { background: var(--ink-2); color: #fff; }
.btn-coral { background: linear-gradient(135deg, var(--coral), #f0744f); border-color: transparent; color: #fff; }
.btn-coral:hover { background: linear-gradient(135deg, var(--coral-2), var(--coral)); color: #fff; }
.btn .arrow { transition: transform .18s; }
.btn:hover .arrow { transform: translateX(3px); }

/* Header */
.header { position: sticky; top: 0; z-index: 50; background: rgba(250,247,242,.85); backdrop-filter: blur(12px); border-bottom: 1px solid rgba(228,221,208,.7); }
.nav { display: flex; align-items: center; justify-content: space-between; height: 78px; gap: 1rem; }
.logo { display: inline-flex; align-items: center; gap: .65rem; text-decoration: none; color: var(--ink); font-family: var(--serif); font-size: 1.55rem; font-weight: 600; }
.logo:hover { color: var(--ink); }
.logo svg { width: 36px; height: 36px; }
.nav-links { display: flex; gap: .4rem; list-style: none; margin: 0; padding: 0; align-items: center; }
.nav-links a { text-decoration: none; color: var(--ink-2); font-size: .95rem; font-weight: 500; padding: .5rem .9rem; border-radius: 999px; transition: .15s; }
.nav-links a:hover { background: var(--paper-2); color: var(--ink); }
.nav-links a[aria-current="page"] { background: var(--ink); color: var(--paper); }
.nav-cta { display: flex; gap: .75rem; align-items: center; }
.nav-toggle { display: none; background: none; border: 0; padding: .5rem; cursor: pointer; }
.nav-toggle span { display: block; width: 24px; height: 2px; border-radius: 2px; background: var(--ink); margin: 6px 0; }

/* Hero with soft colour washes */
.hero { padding: 5.5rem 0 4.5rem; position: relative; overflow: hidden; }
.hero::before, .hero::after { content: ""; position: absolute; border-radius: 50%; filter: blur(70px); z-index: 0; pointer-events: none; }
.hero::before { width: 560px; height: 560px; left: -180px; top: -200px; background: radial-gradient(circle, rgba(232,85,58,.22), transparent 65%); }
.hero::after { width: 640px; height: 640px; right: -220px; top: -120px; background: radial-gradient(circle, rgba(47,154,122,.22), transparent 65%); }
.hero .container { position: relative; z-index: 1; }
.hero-grid { display: grid; grid-template-columns: 7fr 5fr; gap: 3rem; align-items: center; }
.hero h1 .accent { color: var(--coral); font-style: italic; font-weight: 400; }
.hero .lead { font-size: 1.22rem; max-width: 33em; color: var(--ink-2); margin-top: 1.4rem; }
.hero-actions { display: flex; gap: .8rem; flex-wrap: wrap; margin-top: 2rem; }
.facts { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1rem; margin-top: 3rem; }
.fact { background: rgba(255,255,255,.7); border: 1px solid rgba(228,221,208,.8); border-radius: var(--r-sm); padding: .9rem 1.1rem; backdrop-filter: blur(4px); }
.fact strong { display: block; font-family: var(--serif); font-size: 1.35rem; font-weight: 500; color: var(--ink); }
.fact span { font-size: .84rem; color: var(--muted); }

/* Flow diagram card */
.flow-card { background: var(--white); border-radius: var(--r); box-shadow: var(--shadow); padding: 1.2rem; border: 1px solid var(--rule); }
.flow { width: 100%; height: auto; display: block; }
.flow .node { fill: var(--paper); stroke: var(--rule); stroke-width: 1.2; rx: 10; }
.flow .hub { fill: var(--ink); stroke: none; }
.flow text { font-family: var(--mono); font-size: 11.5px; fill: var(--ink); }
.flow .hub-text { fill: var(--paper); }
.flow .wire { fill: none; stroke: var(--coral); stroke-width: 1.6; stroke-dasharray: 4 7; stroke-linecap: round; animation: flow 1.6s linear infinite; opacity: .9; }
.flow .wire.out { stroke: var(--green-2); }
.flow .tick { fill: var(--green-2); }
.flow .pulse { fill: var(--coral); animation: pulse 1.6s ease-in-out infinite; }
@keyframes flow { to { stroke-dashoffset: -22; } }
@keyframes pulse { 0%, 100% { opacity: .35; r: 5; } 50% { opacity: 1; r: 7; } }

/* Sections */
section { padding: 5rem 0; }
.band { background: var(--paper-2); }
.band-ink { background: linear-gradient(160deg, #141a21 0%, #1d2630 60%, #1b2a2a 100%); color: var(--paper); }
.band-ink h2, .band-ink h3 { color: var(--paper); }
.band-ink .muted { color: #b9b3a8; }
.band-ink .label { color: #ffb4a0; background: rgba(232,85,58,.18); } .band-ink .label::before { background: #ffb4a0; }
.intro { display: grid; grid-template-columns: 5fr 7fr; gap: 3rem; align-items: end; margin-bottom: 2.8rem; }
.intro p { font-size: 1.1rem; color: var(--ink-2); margin: 0; }

/* Services: soft cards with icons */
.services-list { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.4rem; }
.services-list li { position: relative; background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.12); border-radius: var(--r); padding: 1.8rem 1.6rem 1.6rem; display: flex; flex-direction: column; gap: .5rem; transition: .2s; }
.services-list li:hover { background: rgba(255,255,255,.1); border-color: rgba(255,180,160,.5); transform: translateY(-3px); }
.services-list .num { font-family: var(--mono); font-size: .74rem; letter-spacing: .12em; color: #ffb4a0; }
.services-list .ico { width: 44px; height: 44px; border-radius: 12px; display: grid; place-items: center; background: linear-gradient(135deg, rgba(232,85,58,.35), rgba(47,154,122,.35)); margin-bottom: .4rem; }
.services-list .ico svg { width: 22px; height: 22px; stroke: #fff; fill: none; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; }
.services-list h3 { margin: 0; font-size: 1.3rem; }
.services-list p { margin: 0; color: #cfc9bd; font-size: .96rem; flex: 1; }
.services-list a.more { color: #ffb4a0; font-weight: 600; text-decoration: none; margin-top: .6rem; }
.services-list a.more:hover { color: #fff; }

/* Platform panels */
.cols-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1.4rem; }
.cols-5 { display: grid; grid-template-columns: repeat(5, 1fr); gap: 1.2rem; }
.cols-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.6rem; }
.cols-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 3rem; }
.col { background: var(--white); border: 1px solid var(--rule); border-radius: var(--r); padding: 1.4rem 1.3rem; box-shadow: var(--shadow-sm); }
.col h4 { margin-bottom: .8rem; padding-bottom: .6rem; border-bottom: 2px solid var(--coral-soft); }
.plain-list { list-style: none; padding: 0; margin: 0; }
.plain-list li { padding: .38rem 0; font-size: .94rem; color: var(--ink-2); display: flex; gap: .5rem; align-items: center; }
.plain-list li::before { content: ""; width: 6px; height: 6px; border-radius: 50%; background: var(--green-2); flex: none; }

/* Sectors: tinted tiles */
.sectors { display: grid; grid-template-columns: 1fr 1fr; gap: 1.4rem; }
.sector { border-radius: var(--r); padding: 1.8rem 1.7rem; background: var(--white); border: 1px solid var(--rule); box-shadow: var(--shadow-sm); position: relative; overflow: hidden; }
.sector::before { content: ""; position: absolute; left: 0; top: 0; bottom: 0; width: 6px; background: var(--coral); }
.sector:nth-child(2)::before { background: var(--green-2); }
.sector:nth-child(3)::before { background: var(--sky); }
.sector:nth-child(4)::before { background: #e3a008; }
.sector h3 { font-size: 1.3rem; margin-bottom: .4rem; }
.sector p { margin: 0; color: var(--ink-2); font-size: .98rem; }

/* Process timeline */
.timeline { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(4, 1fr); gap: 1.4rem; counter-reset: s; }
.timeline li { background: var(--white); border: 1px solid var(--rule); border-radius: var(--r); padding: 1.6rem 1.5rem; box-shadow: var(--shadow-sm); position: relative; }
.timeline .step-num { display: inline-grid; place-items: center; width: 40px; height: 40px; border-radius: 50%; background: var(--green-soft); color: var(--green); font-family: var(--mono); font-size: .8rem; font-weight: 500; margin-bottom: 1rem; }
.timeline li:nth-child(1) .step-num { background: var(--coral-soft); color: var(--coral-2); }
.timeline li:nth-child(3) .step-num { background: var(--sky-soft); color: var(--sky); }
.timeline li:nth-child(4) .step-num { background: var(--gold-soft); color: #9a6b00; }
.timeline h3 { font-size: 1.3rem; }
.timeline p { color: var(--ink-2); font-size: .96rem; margin: 0; }

/* Principles */
.principles { list-style: none; padding: 0; margin: 0; counter-reset: p; }
.principles li { display: grid; grid-template-columns: 2.2rem 1fr; gap: .9rem; padding: .95rem 0; border-bottom: 1px solid var(--rule); align-items: baseline; }
.principles li::before { counter-increment: p; content: counter(p, decimal-leading-zero); font-family: var(--mono); font-size: .78rem; color: var(--coral); background: var(--coral-soft); border-radius: 999px; padding: .15rem .45rem; text-align: center; }
.principles strong { font-weight: 600; }

/* Tables */
.table-card { background: var(--white); border: 1px solid var(--rule); border-radius: var(--r); padding: 1.6rem; box-shadow: var(--shadow-sm); }
.table { width: 100%; border-collapse: collapse; font-size: .94rem; }
.table th { text-align: left; font-family: var(--mono); font-weight: 500; font-size: .7rem; letter-spacing: .12em; text-transform: uppercase; color: var(--muted); padding: 0 .6rem .7rem 0; border-bottom: 2px solid var(--rule); }
.table td { padding: .8rem .6rem .8rem 0; border-bottom: 1px solid var(--rule); vertical-align: top; }
.table tr:last-child td { border-bottom: 0; }
.table td:first-child { font-weight: 600; white-space: nowrap; }

/* FAQ */
.faq { display: grid; gap: .8rem; }
.faq details { background: var(--white); border: 1px solid var(--rule); border-radius: var(--r-sm); padding: 0 1.4rem; transition: .2s; }
.faq details[open] { box-shadow: var(--shadow-sm); border-color: var(--coral-soft); }
.faq summary { cursor: pointer; list-style: none; display: flex; justify-content: space-between; gap: 1.5rem; align-items: center; padding: 1.1rem 0; font-family: var(--serif); font-size: 1.25rem; font-weight: 500; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; display: grid; place-items: center; width: 30px; height: 30px; border-radius: 50%; background: var(--coral-soft); color: var(--coral-2); font-family: var(--mono); flex: none; transition: transform .2s; }
.faq details[open] summary::after { transform: rotate(45deg); }
.faq details p { margin: 0 0 1.3rem; color: var(--ink-2); max-width: 60em; }

/* Closing CTA */
.closing { padding: 4rem 0 5rem; }
.closing .inner { background: linear-gradient(135deg, var(--coral-soft), var(--green-soft) 60%, var(--sky-soft)); border-radius: calc(var(--r) + 6px); padding: 3rem; display: grid; grid-template-columns: 1fr auto; gap: 3rem; align-items: center; border: 1px solid rgba(255,255,255,.8); box-shadow: var(--shadow-sm); }
.closing h2 { margin-bottom: .4em; }
.closing p { font-size: 1.1rem; color: var(--ink-2); margin: 0; max-width: 40em; }

/* Inner page masthead */
.masthead { padding: 4.5rem 0 3.2rem; position: relative; overflow: hidden; }
.masthead::after { content: ""; position: absolute; right: -200px; top: -160px; width: 560px; height: 560px; border-radius: 50%; filter: blur(70px); background: radial-gradient(circle, rgba(47,154,122,.2), transparent 65%); pointer-events: none; }
.masthead .container { position: relative; }
.masthead p { font-size: 1.2rem; color: var(--ink-2); max-width: 36em; margin: 1rem 0 0; }

/* Service detail blocks */
.service { padding: 4rem 0; }
.service .grid { display: grid; grid-template-columns: 84px 1fr 1fr; gap: 2.5rem; align-items: start; }
.service .num { display: grid; place-items: center; width: 64px; height: 64px; border-radius: 18px; background: linear-gradient(135deg, var(--coral), #f0744f); color: #fff; font-family: var(--mono); font-size: 1.1rem; font-weight: 500; box-shadow: var(--shadow-sm); }
.service:nth-of-type(odd) .num { background: linear-gradient(135deg, var(--green), var(--green-2)); }
.service h2 { font-size: 2.1rem; }
.service .summary { font-size: 1.08rem; color: var(--ink-2); }
.checks { list-style: none; padding: 0; margin: 1.2rem 0 0; }
.checks li { position: relative; padding: .5rem 0 .5rem 1.9rem; font-size: .97rem; }
.checks li::before { content: "✓"; position: absolute; left: 0; top: .5rem; width: 20px; height: 20px; border-radius: 50%; background: var(--green-soft); color: var(--green); font-size: .72rem; display: grid; place-items: center; font-weight: 700; }
.aside { background: var(--white); border: 1px solid var(--rule); border-radius: var(--r); padding: 1.7rem; box-shadow: var(--shadow); }
.aside h3 { font-size: 1.2rem; }
.aside .btn { margin-top: 1.1rem; }

/* Prose */
.prose { max-width: 42em; }
.prose h2 { font-size: 1.8rem; margin-top: 2.2rem; }
.prose ul { padding-left: 1.2rem; }
.prose li { margin-bottom: .5rem; }

/* Forms */
.form-card { background: var(--white); border: 1px solid var(--rule); border-radius: var(--r); padding: 2rem; box-shadow: var(--shadow); }
.form { display: grid; gap: 1.1rem; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1.1rem; }
label { font-family: var(--mono); font-size: .7rem; letter-spacing: .1em; text-transform: uppercase; color: var(--muted); display: block; margin-bottom: .4rem; }
input, select, textarea { width: 100%; padding: .85rem 1rem; border: 1px solid var(--rule); background: var(--paper); font: inherit; color: var(--ink); border-radius: var(--r-sm); transition: .15s; }
input:focus, select:focus, textarea:focus { outline: none; border-color: var(--coral); background: var(--white); box-shadow: 0 0 0 4px var(--coral-soft); }
.help { font-size: .82rem; color: var(--muted); margin-top: .35rem; }
.consent { display: flex; gap: .6rem; align-items: flex-start; font-family: var(--sans); text-transform: none; letter-spacing: 0; font-size: .88rem; color: var(--ink-2); }
.consent input { width: auto; margin-top: .3rem; }
.form-status { min-height: 1.2em; }
.form-done { padding: 2rem; background: var(--green-soft); border-radius: var(--r-sm); }
.form-done h3 { font-size: 1.5rem; }
.side-card { background: var(--white); border: 1px solid var(--rule); border-radius: var(--r); padding: 1.6rem; box-shadow: var(--shadow-sm); }

/* Footer */
.footer { background: var(--ink); color: #b9b3a8; padding: 4rem 0 2rem; font-size: .92rem; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 2.5rem; }
.footer h4 { color: #8f8a7f; }
.footer ul { list-style: none; padding: 0; margin: 0; }
.footer li { margin-bottom: .5rem; }
.footer a { color: #e6e1d6; text-decoration: none; }
.footer a:hover { color: #ffb4a0; }
.footer .logo { color: var(--paper); }
.footer-legal { border-top: 1px solid #2d3640; margin-top: 3rem; padding-top: 1.5rem; font-size: .78rem; color: #8f8a7f; display: grid; grid-template-columns: 1fr 2fr; gap: 2rem; }
.footer-legal p { margin: 0; }

/* Responsive */
@media (max-width: 1000px) {
  .hero-grid { grid-template-columns: 1fr; }
  .hero-grid > :last-child { max-width: 560px; }
  .intro { grid-template-columns: 1fr; gap: 1rem; }
  .services-list { grid-template-columns: 1fr 1fr; }
  .cols-4, .cols-5, .cols-3 { grid-template-columns: 1fr 1fr; }
  .timeline { grid-template-columns: 1fr 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .service .grid { grid-template-columns: 64px 1fr; }
  .service .aside { grid-column: 2; }
}
@media (max-width: 680px) {
  body { font-size: 16px; }
  .container { width: min(var(--max), 100% - 32px); }
  .nav-links { display: none; position: absolute; top: 78px; left: 0; right: 0; background: var(--paper); flex-direction: column; align-items: stretch; padding: 1rem 16px 1.5rem; gap: .4rem; border-bottom: 1px solid var(--rule); box-shadow: var(--shadow); }
  .nav-links.open { display: flex; }
  .nav-toggle { display: block; }
  .nav-cta .btn { display: none; }
  .hero { padding: 3rem 0 2.5rem; }
  .facts { grid-template-columns: 1fr; gap: .7rem; }
  section { padding: 3.2rem 0; }
  .services-list, .cols-4, .cols-5, .cols-3, .cols-2, .sectors, .timeline, .form-row, .footer-grid, .footer-legal, .closing .inner { grid-template-columns: 1fr; }
  .closing .inner { padding: 2rem; }
  .service .grid { grid-template-columns: 1fr; }
  .service .aside { grid-column: 1; }
  .masthead { padding: 3rem 0 2rem; }
  .form-card { padding: 1.4rem; }
}