/* ============================================================
   Transaction Incoming — Global Stylesheet
   https://transactionincoming.com
   ============================================================ */
:root{
  --navy:#0b1f3a;
  --navy-2:#122c52;
  --blue:#1f6feb;
  --blue-light:#4da3ff;
  --emerald:#0fae6e;
  --emerald-light:#34d399;
  --gold:#f5b301;
  --ink:#16233b;
  --muted:#5b6b84;
  --bg:#f4f7fc;
  --white:#ffffff;
  --danger:#d64545;
  --radius:14px;
  --shadow:0 10px 30px rgba(11,31,58,.10);
  --shadow-lg:0 20px 50px rgba(11,31,58,.18);
  --font:'Segoe UI',Roboto,'Helvetica Neue',Arial,sans-serif;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:var(--font);color:var(--ink);background:var(--bg);line-height:1.65;-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto;display:block}
a{color:var(--blue);text-decoration:none}
a:hover{color:var(--navy)}
.container{width:min(1180px,92%);margin:0 auto}
section{padding:72px 0}
.section-alt{background:var(--white)}
h1,h2,h3,h4{line-height:1.25;color:var(--navy)}
h1{font-size:clamp(2rem,4.5vw,3.4rem)}
h2{font-size:clamp(1.6rem,3vw,2.4rem);margin-bottom:14px}
h3{font-size:1.25rem;margin-bottom:10px}
p{margin-bottom:14px}
.lead{font-size:1.12rem;color:var(--muted)}
.eyebrow{display:inline-block;font-weight:700;letter-spacing:.12em;text-transform:uppercase;font-size:.78rem;color:var(--emerald);background:rgba(15,174,110,.1);padding:6px 14px;border-radius:999px;margin-bottom:14px}
.text-center{text-align:center}
.section-head{max-width:720px;margin:0 auto 48px;text-align:center}
.mt-1{margin-top:12px}.mt-2{margin-top:24px}.mt-3{margin-top:40px}

/* ---------- Buttons ---------- */
.btn{display:inline-block;padding:13px 28px;border-radius:999px;font-weight:700;font-size:.98rem;border:2px solid transparent;cursor:pointer;transition:.25s ease;text-align:center}
.btn-primary{background:linear-gradient(120deg,var(--blue),var(--emerald));color:#fff;box-shadow:0 8px 20px rgba(31,111,235,.35)}
.btn-primary:hover{transform:translateY(-2px);box-shadow:0 12px 26px rgba(15,174,110,.4);color:#fff}
.btn-gold{background:linear-gradient(120deg,var(--gold),#ffcf4d);color:var(--navy)}
.btn-gold:hover{transform:translateY(-2px);color:var(--navy)}
.btn-outline{border-color:var(--blue);color:var(--blue);background:transparent}
.btn-outline:hover{background:var(--blue);color:#fff}
.btn-light{background:#fff;color:var(--navy)}
.btn-light:hover{transform:translateY(-2px);color:var(--blue)}
.btn-block{width:100%}

/* ---------- Top bar ---------- */
.topbar{background:var(--navy);color:#c9d6ea;font-size:.85rem;padding:8px 0}
.topbar-inner{display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap}
.topbar a{color:#fff;font-weight:600}
.topbar a:hover{color:var(--gold)}

/* ---------- Navbar ---------- */
.site-header{position:sticky;top:0;z-index:1000;box-shadow:0 2px 14px rgba(11,31,58,.12)}
.navbar{background:rgba(255,255,255,.97);backdrop-filter:blur(8px)}
.nav-inner{display:flex;align-items:center;justify-content:space-between;min-height:72px;gap:16px}
.brand{display:flex;align-items:center;gap:10px;font-weight:800;font-size:1.28rem;color:var(--navy)}
.brand img{width:44px;height:44px}
.brand-accent{color:var(--emerald)}
.nav-menu{display:flex;align-items:center;gap:4px;list-style:none}
.nav-menu>li{position:relative}
.nav-menu a{display:block;padding:10px 13px;color:var(--ink);font-weight:600;font-size:.95rem;border-radius:8px}
.nav-menu a:hover,.nav-menu a.active{color:var(--blue);background:rgba(31,111,235,.08)}
.nav-menu .btn{padding:10px 20px;color:#fff}
.nav-menu .btn-outline{color:var(--blue)}
.nav-menu .btn-outline:hover{color:#fff}
.dropdown{position:absolute;top:100%;left:0;min-width:230px;background:#fff;border-radius:12px;box-shadow:var(--shadow-lg);list-style:none;padding:10px;opacity:0;visibility:hidden;transform:translateY(12px);transition:.22s ease}
.has-dropdown:hover .dropdown,.has-dropdown:focus-within .dropdown{opacity:1;visibility:visible;transform:translateY(4px)}
.dropdown a{padding:10px 14px}
.nav-toggle{display:none;background:none;border:0;font-size:1.7rem;color:var(--navy);cursor:pointer}

/* ---------- Hero ---------- */
.hero{position:relative;color:#fff;background:var(--navy);overflow:hidden}
.hero-bg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;opacity:.45}
.hero::after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(11,31,58,.55),rgba(11,31,58,.92))}
.hero-inner{position:relative;z-index:2;padding:110px 0 90px;text-align:center;max-width:860px;margin:0 auto}
.hero h1{color:#fff}
.hero h1 span{background:linear-gradient(90deg,var(--blue-light),var(--emerald-light));-webkit-background-clip:text;background-clip:text;color:transparent}
.hero .lead{color:#c9d6ea;font-size:1.2rem}
.hero-cta{display:flex;gap:16px;justify-content:center;flex-wrap:wrap;margin-top:30px}
.hero-badges{display:flex;gap:26px;justify-content:center;flex-wrap:wrap;margin-top:44px;font-size:.9rem;color:#aebfd8}
.hero-badges b{color:#fff;display:block;font-size:1.4rem}

/* ---------- Cards & grids ---------- */
.grid{display:grid;gap:26px}
.grid-2{grid-template-columns:repeat(2,1fr)}
.grid-3{grid-template-columns:repeat(3,1fr)}
.grid-4{grid-template-columns:repeat(4,1fr)}
.card{background:#fff;border-radius:var(--radius);box-shadow:var(--shadow);padding:30px;transition:.25s ease;border-top:4px solid transparent}
.card:hover{transform:translateY(-6px);box-shadow:var(--shadow-lg);border-top-color:var(--emerald)}
.card img{border-radius:10px;margin-bottom:18px}
.card .icon{font-size:2.2rem;margin-bottom:12px}
.card-link{font-weight:700;color:var(--blue)}
.card-link::after{content:" →"}
.tag{display:inline-block;background:rgba(31,111,235,.1);color:var(--blue);font-size:.75rem;font-weight:700;padding:4px 12px;border-radius:999px;margin-bottom:12px;text-transform:uppercase;letter-spacing:.08em}

/* ---------- Feature split ---------- */
.split{display:grid;grid-template-columns:1fr 1fr;gap:54px;align-items:center}
.split img{border-radius:var(--radius);box-shadow:var(--shadow-lg)}
.checklist{list-style:none;margin-top:16px}
.checklist li{padding:8px 0 8px 34px;position:relative;font-weight:500}
.checklist li::before{content:"✔";position:absolute;left:0;top:8px;width:22px;height:22px;background:var(--emerald);color:#fff;border-radius:50%;font-size:.72rem;display:flex;align-items:center;justify-content:center}

/* ---------- Stats band ---------- */
.band{background:linear-gradient(120deg,var(--navy),var(--navy-2) 55%,#0d3b2e);color:#fff;padding:56px 0}
.band .grid{text-align:center}
.band b{display:block;font-size:2.2rem;background:linear-gradient(90deg,var(--blue-light),var(--emerald-light));-webkit-background-clip:text;background-clip:text;color:transparent}
.band span{color:#aebfd8;font-size:.92rem}

/* ---------- Steps ---------- */
.step{position:relative;padding-top:14px}
.step-num{width:52px;height:52px;border-radius:16px;background:linear-gradient(135deg,var(--blue),var(--emerald));color:#fff;font-weight:800;font-size:1.3rem;display:flex;align-items:center;justify-content:center;margin-bottom:16px;box-shadow:0 8px 18px rgba(31,111,235,.35)}

/* ---------- Testimonials ---------- */
.quote{background:#fff;border-radius:var(--radius);box-shadow:var(--shadow);padding:30px;position:relative}
.quote::before{content:"“";position:absolute;top:6px;left:20px;font-size:4rem;color:rgba(31,111,235,.15);font-family:Georgia,serif}
.quote p{font-style:italic;color:var(--muted)}
.quote footer{margin-top:14px;font-weight:700;color:var(--navy)}
.quote footer span{display:block;font-weight:500;font-size:.85rem;color:var(--muted)}
.stars{color:var(--gold);letter-spacing:2px;margin-bottom:8px}

/* ---------- CTA ---------- */
.cta{background:linear-gradient(120deg,var(--blue),var(--emerald));border-radius:22px;color:#fff;padding:56px 40px;text-align:center;box-shadow:var(--shadow-lg)}
.cta h2{color:#fff}
.cta p{color:rgba(255,255,255,.9);max-width:640px;margin:0 auto 26px}

/* ---------- Forms ---------- */
.form-card{background:#fff;border-radius:var(--radius);box-shadow:var(--shadow-lg);padding:40px;max-width:760px;margin:0 auto}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.form-grid .full{grid-column:1/-1}
label{display:block;font-weight:600;font-size:.9rem;margin-bottom:6px;color:var(--navy)}
input,select,textarea{width:100%;padding:13px 15px;border:1.5px solid #d5deeb;border-radius:10px;font:inherit;font-size:.95rem;background:#fbfcfe;transition:.2s}
input:focus,select:focus,textarea:focus{outline:none;border-color:var(--blue);box-shadow:0 0 0 4px rgba(31,111,235,.12);background:#fff}
textarea{min-height:130px;resize:vertical}
.hint{font-size:.8rem;color:var(--muted);margin-top:4px}
.consent{display:flex;gap:12px;align-items:flex-start;background:#f6f9ff;border:1.5px solid #dbe6f5;border-radius:12px;padding:16px}
.consent input{width:auto;margin-top:4px;flex:none}
.consent label{font-weight:500;font-size:.86rem;color:var(--ink);margin:0}
.consent .req{color:var(--danger)}
fieldset{border:1.5px solid #dbe6f5;border-radius:12px;padding:20px;margin-bottom:18px}
legend{font-weight:700;color:var(--navy);padding:0 10px;font-size:.95rem}

/* ---------- Alerts ---------- */
.alert{border-radius:12px;padding:16px 20px;margin-bottom:22px;font-weight:600;font-size:.95rem}
.alert-success{background:#e6f9f0;border:1.5px solid #9fe6c6;color:#0a6b44}
.alert-error{background:#fdecec;border:1.5px solid #f3b4b4;color:#9c2b2b}
.alert-info{background:#e9f2ff;border:1.5px solid #b3d1f7;color:#174a8b}

/* ---------- Tables ---------- */
.table-wrap{overflow-x:auto;border-radius:var(--radius);box-shadow:var(--shadow)}
table{width:100%;border-collapse:collapse;background:#fff;min-width:640px}
th{background:var(--navy);color:#fff;text-align:left;padding:16px 18px;font-size:.9rem}
td{padding:15px 18px;border-bottom:1px solid #e7edf5;font-size:.94rem}
tr:hover td{background:#f6f9ff}
.price-pop{position:relative;border:2px solid var(--emerald)}
.price-pop::before{content:"Most Popular";position:absolute;top:-14px;left:50%;transform:translateX(-50%);background:var(--emerald);color:#fff;font-size:.72rem;font-weight:700;padding:4px 14px;border-radius:999px;text-transform:uppercase;letter-spacing:.06em}
.price{font-size:2.4rem;font-weight:800;color:var(--navy)}
.price small{font-size:.9rem;color:var(--muted);font-weight:500}

/* ---------- Legal / article ---------- */
.article{background:#fff;border-radius:var(--radius);box-shadow:var(--shadow);padding:48px;max-width:900px;margin:0 auto}
.article h2{font-size:1.4rem;margin-top:34px}
.article h3{font-size:1.08rem;margin-top:22px}
.article ul,.article ol{margin:0 0 16px 24px}
.article li{margin-bottom:8px}
.article .updated{color:var(--muted);font-size:.88rem;border-bottom:1px solid #e7edf5;padding-bottom:16px;margin-bottom:24px}

/* ---------- FAQ ---------- */
details{background:#fff;border-radius:12px;box-shadow:var(--shadow);margin-bottom:14px;padding:0;overflow:hidden}
summary{cursor:pointer;padding:20px 24px;font-weight:700;color:var(--navy);list-style:none;position:relative}
summary::after{content:"+";position:absolute;right:22px;font-size:1.4rem;color:var(--blue);transition:.2s}
details[open] summary::after{transform:rotate(45deg)}
details p{padding:0 24px 20px;color:var(--muted)}

/* ---------- Footer ---------- */
.site-footer{background:var(--navy);color:#aebfd8;margin-top:0;padding:64px 0 0}
.footer-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:36px;padding-bottom:44px}
.site-footer h4{color:#fff;font-size:1rem;margin-bottom:16px}
.site-footer ul{list-style:none}
.site-footer li{margin-bottom:9px}
.site-footer a{color:#aebfd8;font-size:.92rem}
.site-footer a:hover{color:var(--gold)}
.footer-brand{display:flex;align-items:center;gap:10px;color:#fff;font-weight:800;font-size:1.2rem;margin-bottom:14px}
.footer-brand img{width:40px;height:40px}
.footer-contact{margin-top:16px;font-size:.9rem;line-height:1.9}
.footer-contact a{color:#fff;font-weight:600}
.footer-bottom{border-top:1px solid rgba(255,255,255,.12);padding:20px 0;text-align:center;font-size:.86rem}
.footer-bottom a{color:#c9d6ea}

/* ---------- Misc ---------- */
.pill-row{display:flex;gap:10px;flex-wrap:wrap;justify-content:center;margin-top:20px}
.pill{background:#fff;border:1.5px solid #dbe6f5;border-radius:999px;padding:8px 18px;font-size:.85rem;font-weight:600;color:var(--muted)}
.notice-card{background:#fff;border-left:5px solid var(--gold);border-radius:12px;box-shadow:var(--shadow);padding:26px 30px;max-width:820px;margin:0 auto}
.otp-input{font-size:1.6rem;letter-spacing:.5em;text-align:center;font-weight:700}
.dashboard-box{background:#fff;border-radius:var(--radius);box-shadow:var(--shadow);padding:34px;margin-bottom:26px}
.breadcrumb{font-size:.85rem;color:var(--muted);margin-bottom:18px}
.breadcrumb a{color:var(--blue)}
.page-hero{background:linear-gradient(120deg,var(--navy),var(--navy-2) 60%,#0d3b2e);color:#fff;padding:70px 0;text-align:center}
.page-hero h1{color:#fff;font-size:clamp(1.8rem,3.6vw,2.7rem)}
.page-hero p{color:#aebfd8;max-width:680px;margin:10px auto 0}

/* ---------- Responsive ---------- */
@media(max-width:992px){
  .grid-4{grid-template-columns:repeat(2,1fr)}
  .grid-3{grid-template-columns:repeat(2,1fr)}
  .split{grid-template-columns:1fr;gap:34px}
  .footer-grid{grid-template-columns:1fr 1fr}
  .nav-toggle{display:block}
  .nav-menu{position:absolute;top:100%;left:0;right:0;background:#fff;flex-direction:column;align-items:stretch;padding:16px;box-shadow:var(--shadow-lg);display:none;max-height:80vh;overflow:auto}
  .nav-menu.open{display:flex}
  .dropdown{position:static;opacity:1;visibility:visible;transform:none;box-shadow:none;background:#f6f9ff;margin:4px 0;display:none}
  .has-dropdown.open .dropdown{display:block}
  .nav-menu .btn{margin-top:6px}
}
@media(max-width:600px){
  section{padding:52px 0}
  .grid-2,.grid-3,.grid-4{grid-template-columns:1fr}
  .form-grid{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr}
  .article{padding:28px 22px}
  .form-card{padding:28px 22px}
  .hero-inner{padding:80px 0 64px}
  .topbar-inner{justify-content:center;text-align:center}
}