/* =========================================================
   Peofin — design tokens
   ========================================================= */
:root{
  --navy-950:#0A111D;
  --navy-900:#0F1830;
  --navy-800:#16213A;
  --navy-700:#1E2C48;
  --teal-500:#1FC9A0;
  --teal-300:#7BEACB;
  --ink-900:#0D1420;
  --ink-600:#4E5F70;
  --ink-400:#7C8D9E;
  --paper-0:#FFFFFF;
  --paper-50:#F5F8F7;
  --paper-100:#EBF1EF;
  --line-dark:rgba(255,255,255,0.09);
  --line-light:#E2E9E6;
  --radius-s:10px;
  --radius-m:16px;
  --shell:1120px;
  --font-display:'Sora',sans-serif;
  --font-body:'Inter',sans-serif;
}

*,*::before,*::after{box-sizing:border-box;}
html{scroll-behavior:smooth;}
body{
  margin:0;
  font-family:var(--font-body);
  color:var(--ink-900);
  background:var(--paper-0);
  -webkit-font-smoothing:antialiased;
  line-height:1.55;
}
h1,h2,h3,h4{
  font-family:var(--font-display);
  color:var(--ink-900);
  margin:0 0 16px;
  line-height:1.15;
  letter-spacing:-0.01em;
}
p{margin:0 0 16px;color:var(--ink-600);}
a{color:inherit;text-decoration:none;}
img{max-width:100%;display:block;}
ul{margin:0;padding:0;list-style:none;}
button{font-family:inherit;cursor:pointer;background:none;border:none;color:inherit;}

.shell{max-width:var(--shell);margin:0 auto;padding:0 24px;}
.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);}
.skip-link{position:absolute;left:-999px;top:0;background:var(--teal-500);color:var(--navy-950);padding:10px 16px;z-index:200;}
.skip-link:focus{left:16px;top:16px;}

/* Buttons */
.btn{
  display:inline-flex;align-items:center;justify-content:center;
  font-weight:600;font-family:var(--font-body);
  border-radius:999px;padding:12px 22px;font-size:15px;
  transition:transform .15s ease, background .15s ease, border-color .15s ease;
  white-space:nowrap;
}
.btn:hover{transform:translateY(-1px);}
.btn--primary{background:var(--teal-500);color:var(--navy-950);}
.btn--primary:hover{background:var(--teal-300);}
.btn--ghost{border:1.5px solid var(--line-light);color:var(--ink-900);}
.btn--ghost:hover{border-color:var(--ink-400);}
.btn--ghost-light{border:1.5px solid rgba(255,255,255,0.35);color:#fff;}
.btn--ghost-light:hover{border-color:#fff;}
.btn--lg{padding:14px 28px;font-size:16px;}
.btn--sm{padding:9px 18px;font-size:14px;}
.link-cta{font-weight:600;font-size:15px;color:var(--ink-900);padding:9px 4px;}

/* =========================================================
   Header
   ========================================================= */
.site-header{
  position:sticky;top:0;z-index:100;
  background:rgba(255,255,255,0.9);
  backdrop-filter:blur(10px);
  border-bottom:1px solid var(--line-light);
}
.site-header__row{
  display:flex;align-items:center;justify-content:space-between;
  height:76px;gap:32px;
}
.brand{display:flex;align-items:center;gap:10px;font-family:var(--font-display);font-weight:700;font-size:19px;}
.brand__mark{display:flex;}
.primary-nav{display:flex;align-items:center;gap:6px;flex:1;padding-left:16px;}
.primary-nav__item{position:relative;}
.primary-nav__item--plain{padding:10px 14px;font-weight:500;font-size:15px;border-radius:8px;}
.primary-nav__item--plain:hover{background:var(--paper-50);}
.primary-nav__trigger{padding:10px 14px;font-weight:500;font-size:15px;border-radius:8px;}
.primary-nav__trigger:hover{background:var(--paper-50);}
.has-submenu{}
.submenu{
  position:absolute;top:calc(100% + 8px);left:0;
  background:#fff;border:1px solid var(--line-light);border-radius:var(--radius-m);
  box-shadow:0 20px 40px rgba(13,20,32,0.12);
  display:flex;gap:28px;padding:20px;width:520px;
  opacity:0;visibility:hidden;transform:translateY(6px);
  transition:opacity .15s ease, transform .15s ease, visibility .15s;
}
.submenu--narrow{width:260px;}
.has-submenu:hover .submenu,
.has-submenu:focus-within .submenu{opacity:1;visibility:visible;transform:translateY(0);}
.submenu__col{flex:1;display:flex;flex-direction:column;gap:2px;}
.submenu__label{font-size:12px;font-weight:600;color:var(--ink-400);margin:0 0 8px;padding:0 10px;}
.submenu__link{display:flex;flex-direction:column;padding:9px 10px;border-radius:8px;}
.submenu__link:hover{background:var(--paper-50);}
.submenu__link span{font-weight:600;font-size:14.5px;}
.submenu__link small{color:var(--ink-400);font-size:12.5px;margin-top:2px;}
.site-header__actions{display:flex;align-items:center;gap:10px;}

.nav-toggle{display:none;flex-direction:column;gap:4px;width:32px;height:32px;align-items:center;justify-content:center;}
.nav-toggle span{width:20px;height:2px;background:var(--ink-900);border-radius:2px;}

.mobile-nav{display:none;flex-direction:column;padding:8px 24px 20px;gap:2px;border-top:1px solid var(--line-light);}
.mobile-nav a{padding:12px 0;font-weight:500;border-bottom:1px solid var(--line-light);}
.mobile-nav .btn{margin-top:14px;width:100%;}

@media (max-width:920px){
  .primary-nav,.site-header__actions .link-cta,.site-header__actions .btn{display:none;}
  .nav-toggle{display:flex;}
  .site-header.is-open .mobile-nav{display:flex;}
}

/* =========================================================
   Hero
   ========================================================= */
.hero{
  background:var(--navy-950);
  background-image:radial-gradient(60% 60% at 82% 15%, rgba(31,201,160,0.16), transparent 70%);
  padding:76px 0 92px;
}
.hero__row{display:grid;grid-template-columns:1.05fr 0.95fr;gap:56px;align-items:center;}
.hero__kicker{
  color:var(--teal-300);font-weight:600;font-size:14px;margin-bottom:18px;
}
.hero__title{
  color:#fff;font-size:clamp(32px,4.4vw,50px);max-width:560px;
}
.hero__subtitle{color:#B9C6D3;font-size:18px;max-width:480px;margin-bottom:32px;}
.hero__actions{display:flex;gap:14px;margin-bottom:44px;flex-wrap:wrap;}
.hero__proof{display:flex;gap:36px;flex-wrap:wrap;}
.hero__proof-item{display:flex;flex-direction:column;}
.hero__proof-item strong{color:#fff;font-family:var(--font-display);font-size:22px;}
.hero__proof-item span{color:#8CA0B3;font-size:13.5px;}

.hero__visual{position:relative;}
.flow-card{
  background:var(--navy-800);border:1px solid var(--line-dark);
  border-radius:var(--radius-m);padding:22px;
  box-shadow:0 30px 60px rgba(0,0,0,0.35);
}
.flow-card__header{display:flex;align-items:center;gap:6px;margin-bottom:18px;}
.flow-card__dot{width:8px;height:8px;border-radius:50%;background:#3A4A63;}
.flow-card__title{margin-left:8px;color:#B9C6D3;font-size:13px;font-weight:600;}
.flow-card__balance{display:flex;flex-direction:column;margin-bottom:18px;}
.flow-card__balance-label{color:#8CA0B3;font-size:12.5px;}
.flow-card__balance-value{color:#fff;font-family:var(--font-display);font-size:30px;font-weight:700;}
.flow-card__rows{display:flex;flex-direction:column;gap:10px;margin-bottom:16px;}
.flow-card__rows li{display:flex;justify-content:space-between;font-size:13.5px;color:#B9C6D3;border-top:1px solid var(--line-dark);padding-top:10px;}
.flow-card__rows li em{color:var(--teal-300);font-style:normal;font-weight:600;}
.flow-card--float{
  position:absolute;bottom:-22px;left:-30px;display:flex;align-items:center;gap:12px;
  padding:14px 18px;width:auto;
}
.flow-card--float__icon{
  width:30px;height:30px;border-radius:50%;background:var(--teal-500);color:var(--navy-950);
  display:flex;align-items:center;justify-content:center;font-weight:700;flex:none;
}
.flow-card--float strong{display:block;color:#fff;font-size:13.5px;}
.flow-card--float small{color:#8CA0B3;font-size:12px;}

@media (max-width:920px){
  .hero__row{grid-template-columns:1fr;}
  .hero__visual{margin-top:20px;}
  .flow-card--float{left:8px;}
}

/* =========================================================
   Logo strip
   ========================================================= */
.strip{background:var(--paper-50);padding:28px 0;border-bottom:1px solid var(--line-light);}
.strip__row{display:flex;align-items:center;gap:28px;flex-wrap:wrap;justify-content:space-between;}
.strip__label{color:var(--ink-400);font-size:14px;font-weight:500;}
.strip__logos{display:flex;gap:32px;flex-wrap:wrap;}
.strip__logos span{font-family:var(--font-display);font-weight:700;color:var(--ink-400);font-size:16px;}

/* =========================================================
   Section head
   ========================================================= */
.section-head{max-width:600px;margin:0 auto 56px;text-align:center;}
.section-head h2{font-size:clamp(26px,3vw,36px);}
.section-head p{font-size:16.5px;}
.section-head--light h2,.section-head--light p{color:#fff;}
.section-head--light p{color:#B9C6D3;}

/* =========================================================
   Features
   ========================================================= */
.features{padding:100px 0;}
.feature-grid{display:flex;flex-direction:column;gap:88px;}
.feature-row{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center;}
.feature-row--reverse .feature-row__text{order:2;}
.feature-row--reverse .feature-row__visual{order:1;}
.feature-row__text h3{font-size:26px;}
.feature-row__text p{font-size:16px;}
.feature-row__list{display:flex;flex-direction:column;gap:12px;margin-top:20px;}
.feature-row__list li{
  padding-left:18px;border-left:2px solid var(--teal-500);
  color:var(--ink-900);font-size:15px;font-weight:500;
}
.feature-row__visual{display:flex;justify-content:center;}
.mini-card{
  width:100%;max-width:340px;background:var(--paper-50);border:1px solid var(--line-light);
  border-radius:var(--radius-m);padding:22px;
}
.mini-card__line{display:flex;justify-content:space-between;padding:12px 0;border-bottom:1px solid var(--line-light);font-size:14.5px;font-weight:600;}
.mini-card__line--muted{color:var(--ink-400);font-weight:500;}
.mini-card__btn{
  margin-top:16px;text-align:center;background:var(--navy-950);color:#fff;
  border-radius:999px;padding:11px;font-weight:600;font-size:14px;
}
.mini-card__btn--outline{background:transparent;border:1.5px solid var(--line-light);color:var(--ink-900);}
.pill{background:var(--paper-100);color:var(--ink-600);border-radius:999px;padding:2px 10px;font-size:12.5px;}
.pill--good{background:rgba(31,201,160,0.15);color:#0F8F6E;}

@media (max-width:820px){
  .feature-row,.feature-row--reverse .feature-row__text,.feature-row--reverse .feature-row__visual{
    grid-template-columns:1fr;order:initial;
  }
  .feature-row{grid-template-columns:1fr;}
}

/* =========================================================
   Segments
   ========================================================= */
.segments{background:var(--navy-950);padding:100px 0;}
.segment-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;}
.segment-card{
  background:var(--navy-800);border:1px solid var(--line-dark);
  border-radius:var(--radius-m);padding:28px;
}
.segment-card h3{color:#fff;font-size:19px;}
.segment-card p{color:#B9C6D3;font-size:14.5px;margin:0;}
@media (max-width:820px){.segment-grid{grid-template-columns:1fr;}}

/* =========================================================
   Testimonials
   ========================================================= */
.testimonials{padding:100px 0;background:var(--paper-50);}
.testimonial-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;}
.testimonial-card{
  background:#fff;border:1px solid var(--line-light);border-radius:var(--radius-m);
  padding:26px;margin:0;
}
.testimonial-card p{color:var(--ink-900);font-size:15.5px;margin-bottom:20px;}
.testimonial-card footer strong{display:block;font-size:14px;}
.testimonial-card footer span{color:var(--ink-400);font-size:13px;}
@media (max-width:820px){.testimonial-grid{grid-template-columns:1fr;}}

/* =========================================================
   FAQ
   ========================================================= */
.faq{padding:100px 0;}
.faq__row{display:grid;grid-template-columns:0.8fr 1.2fr;gap:56px;}
.faq__head p{font-size:15px;}
.faq__head a{color:var(--teal-500);font-weight:600;}
.accordion__item{border-bottom:1px solid var(--line-light);}
.accordion__trigger{
  width:100%;text-align:left;padding:20px 0;font-weight:600;font-size:16px;
  display:flex;justify-content:space-between;align-items:center;color:var(--ink-900);
}
.accordion__trigger::after{content:"+";font-size:20px;color:var(--ink-400);font-weight:400;}
.accordion__trigger[aria-expanded="true"]::after{content:"–";}
.accordion__panel{max-height:0;overflow:hidden;transition:max-height .25s ease;}
.accordion__panel p{padding-bottom:20px;margin:0;font-size:15px;}
@media (max-width:820px){.faq__row{grid-template-columns:1fr;}}

/* =========================================================
   CTA
   ========================================================= */
.cta{background:var(--navy-950);padding:80px 0;background-image:radial-gradient(50% 100% at 50% 0%, rgba(31,201,160,0.14), transparent 70%);}
.cta__row{display:flex;justify-content:space-between;align-items:center;gap:32px;flex-wrap:wrap;}
.cta h2{color:#fff;font-size:28px;max-width:460px;margin-bottom:8px;}
.cta p{color:#B9C6D3;margin:0;max-width:420px;}
.cta__actions{display:flex;gap:14px;flex-wrap:wrap;}

/* =========================================================
   Footer
   ========================================================= */
.site-footer{background:var(--navy-950);padding-top:72px;}
.footer__top{
  display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr 1fr;gap:32px;
  padding-bottom:56px;border-bottom:1px solid var(--line-dark);
}
.footer__brand .brand{color:#fff;margin-bottom:12px;}
.footer__tagline{color:#8CA0B3;font-size:14px;max-width:220px;}
.footer__contact a{color:#B9C6D3;font-size:14px;}
.footer__col-title{color:#fff;font-weight:600;font-size:14px;margin-bottom:14px;}
.footer__col{display:flex;flex-direction:column;gap:10px;}
.footer__col a{color:#8CA0B3;font-size:14px;}
.footer__col a:hover{color:#fff;}
.footer__bottom{
  display:flex;justify-content:space-between;padding:22px 0;color:#6B7E90;font-size:13px;flex-wrap:wrap;gap:10px;
}
.footer__legal{display:flex;gap:18px;}
.footer__legal a{color:#6B7E90;}
@media (max-width:820px){.footer__top{grid-template-columns:1fr 1fr;}}