/* ============================================
   polarbit solutions — global styles
   clean, white, professional fintech design
   ============================================ */

:root {
  --primary: #111827;
  --secondary: #374151;
  --accent: #1a1a2e;
  --accent-blue: #2563eb;
  --text-primary: #111827;
  --text-secondary: #4b5563;
  --text-muted: #9ca3af;
  --bg-white: #ffffff;
  --bg-light: #f9fafb;
  --bg-section: #f3f4f6;
  --border: #e5e7eb;
  --border-light: #f3f4f6;
  --shadow-sm: 0 1px 2px rgba(0, 0, 0, 0.05);
  --shadow: 0 1px 3px rgba(0, 0, 0, 0.1), 0 1px 2px rgba(0, 0, 0, 0.06);
  --shadow-md: 0 4px 6px rgba(0, 0, 0, 0.05), 0 2px 4px rgba(0, 0, 0, 0.04);
  --shadow-lg: 0 10px 25px rgba(0, 0, 0, 0.06);
  --radius: 8px;
  --radius-sm: 6px;
  --radius-lg: 12px;
  --transition: all 0.2s ease;
  --max-width: 1140px;
  --header-height: 72px;
}

/* Reset & Base */
*, *::before, *::after {
  margin: 0;
  padding: 0;
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
  font-size: 16px;
}

body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
  color: var(--text-primary);
  background: var(--bg-white);
  line-height: 1.6;
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
}

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

ul, ol { list-style: none; }
img { max-width: 100%; display: block; }

.container {
  width: 100%;
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 24px;
}

/* ============================================
   Typography
   ============================================ */
h1, h2, h3, h4, h5, h6 {
  font-weight: 600;
  line-height: 1.3;
  letter-spacing: -0.02em;
  color: var(--text-primary);
}

h1 { font-size: clamp(2rem, 4vw, 3rem); font-weight: 700; }
h2 { font-size: clamp(1.5rem, 3vw, 2.25rem); }
h3 { font-size: clamp(1.125rem, 2.5vw, 1.5rem); }
h4 { font-size: 1.125rem; }

p {
  color: var(--text-secondary);
  line-height: 1.7;
}

.section-label {
  display: inline-block;
  font-size: 0.8125rem;
  font-weight: 500;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--text-muted);
  margin-bottom: 8px;
}

.section-title { margin-bottom: 12px; }

.section-subtitle {
  font-size: 1.0625rem;
  color: var(--text-secondary);
  max-width: 600px;
}

.text-center { text-align: center; }
.text-center .section-subtitle { margin: 0 auto; }

.accent-text { color: var(--text-primary); }

/* ============================================
   Buttons
   ============================================ */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 12px 28px;
  font-size: 0.9375rem;
  font-weight: 500;
  border-radius: var(--radius-sm);
  border: none;
  cursor: pointer;
  transition: var(--transition);
  font-family: inherit;
  white-space: nowrap;
}

.btn-primary {
  background: var(--text-primary);
  color: var(--bg-white);
}

.btn-primary:hover {
  background: #000;
  box-shadow: var(--shadow-md);
}

.btn-secondary {
  background: transparent;
  color: var(--text-primary);
  border: 1px solid var(--border);
}

.btn-secondary:hover {
  border-color: var(--text-primary);
  background: var(--bg-light);
}

.btn-outline-accent {
  background: transparent;
  color: var(--text-primary);
  border: 1px solid var(--border);
}

.btn-outline-accent:hover {
  background: var(--text-primary);
  color: var(--bg-white);
  border-color: var(--text-primary);
}

/* ============================================
   Header / Navigation
   ============================================ */
.header {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  height: var(--header-height);
  display: flex;
  align-items: center;
  transition: var(--transition);
  background: rgba(255, 255, 255, 0.9);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--border);
}

.header.scrolled {
  background: rgba(255, 255, 255, 0.95);
  box-shadow: var(--shadow-sm);
}

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

.logo {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 1.25rem;
  font-weight: 600;
  letter-spacing: -0.03em;
  z-index: 1001;
  color: var(--text-primary);
}

.logo svg {
  width: 28px;
  height: 28px;
}

.logo-text {
  color: var(--text-primary);
}

.nav {
  display: flex;
  align-items: center;
  gap: 32px;
}

.nav-links {
  display: flex;
  gap: 28px;
  align-items: center;
}

.nav-links a {
  font-size: 0.875rem;
  font-weight: 450;
  color: var(--text-secondary);
  position: relative;
}

.nav-links a:hover,
.nav-links a.active {
  color: var(--text-primary);
}

.nav-links a::after {
  content: '';
  position: absolute;
  bottom: -4px;
  left: 0;
  width: 0;
  height: 1.5px;
  background: var(--text-primary);
  transition: var(--transition);
}

.nav-links a:hover::after,
.nav-links a.active::after {
  width: 100%;
}

.nav-actions {
  display: flex;
  gap: 12px;
  align-items: center;
}

.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  z-index: 1001;
  background: none;
  border: none;
  padding: 4px;
}

.hamburger span {
  width: 20px;
  height: 1.5px;
  background: var(--text-primary);
  transition: var(--transition);
}

.hamburger.active span:nth-child(1) { transform: rotate(45deg) translate(5px, 5px); }
.hamburger.active span:nth-child(2) { opacity: 0; }
.hamburger.active span:nth-child(3) { transform: rotate(-45deg) translate(5px, -5px); }

@media (max-width: 1024px) {
  .hamburger { display: flex; }
  .nav {
    position: fixed; top: 0; right: -100%; width: 100%; height: 100vh;
    background: var(--bg-white); flex-direction: column; justify-content: center;
    gap: 20px; transition: right 0.3s ease; padding: 40px;
  }
  .nav.open { right: 0; }
  .nav-links { flex-direction: column; gap: 20px; }
  .nav-links a { font-size: 1.125rem; }
  .nav-actions { flex-direction: column; width: 100%; }
  .nav-actions .btn { width: 100%; justify-content: center; }
}

/* ============================================
   Hero Section
   ============================================ */
.hero {
  min-height: 90vh;
  display: flex;
  align-items: center;
  position: relative;
  padding-top: calc(var(--header-height) + 40px);
  background: var(--bg-white);
}

.hero-bg {
  position: absolute;
  inset: 0;
  z-index: 0;
}

.hero-bg::before,
.hero-bg::after { display: none; }

.hero .container { position: relative; z-index: 1; }

.hero-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
}

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

.hero-visual svg {
  width: 100%;
  max-width: 480px;
  height: auto;
}

@media (max-width: 1024px) {
  .hero-grid {
    grid-template-columns: 1fr;
    gap: 40px;
  }
  .hero-visual { display: none; }
}

.hero-content { max-width: 640px; }
.hero-content h1 { margin-bottom: 20px; }

.hero-content p {
  font-size: 1.125rem;
  margin-bottom: 36px;
  max-width: 520px;
  color: var(--text-secondary);
}

.hero-buttons {
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
}

.hero-stats {
  display: flex;
  gap: 40px;
  margin-top: 64px;
  padding-top: 32px;
  border-top: 1px solid var(--border);
}

.hero-stat h3 {
  font-size: 1rem;
  font-weight: 600;
  margin-bottom: 2px;
  color: var(--text-primary);
}

.hero-stat p {
  font-size: 0.8125rem;
  color: var(--text-muted);
}

.grid-pattern { display: none; }

/* ============================================
   Sections
   ============================================ */
.section { padding: 88px 0; }
.section-dark { background: var(--bg-light); }

.section-light {
  background: var(--bg-white);
  color: var(--text-primary);
}
.section-light p { color: var(--text-secondary); }

/* ============================================
   Cards
   ============================================ */
.card {
  background: var(--bg-white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 28px;
  transition: var(--transition);
}

.card:hover {
  box-shadow: var(--shadow-md);
  border-color: #d1d5db;
}

.card-icon {
  width: 44px;
  height: 44px;
  border-radius: var(--radius-sm);
  background: var(--bg-light);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 16px;
}

.card-icon svg {
  width: 22px;
  height: 22px;
  stroke: var(--text-primary);
  fill: none;
  stroke-width: 1.5;
  stroke-linecap: round;
  stroke-linejoin: round;
}

.card h4 { margin-bottom: 8px; }
.card p { font-size: 0.9375rem; }

.card-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
  margin-top: 40px;
}

.card-grid-2 { grid-template-columns: repeat(2, 1fr); }
.card-grid-4 { grid-template-columns: repeat(4, 1fr); }

@media (max-width: 1024px) {
  .card-grid, .card-grid-4 { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 640px) {
  .card-grid, .card-grid-2, .card-grid-4 { grid-template-columns: 1fr; }
}

/* ============================================
   Trust Bar
   ============================================ */
.trust-bar {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 48px;
  flex-wrap: wrap;
  padding: 32px 0;
  opacity: 0.35;
}

.trust-bar img, .trust-bar svg {
  height: 20px;
  filter: brightness(0);
}

/* ============================================
   Stats Bar
   ============================================ */
.stats-bar {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 32px;
  padding: 48px 0;
}

.stat-item { text-align: center; }

.stat-item h3 {
  font-size: 2rem;
  margin-bottom: 4px;
  color: var(--text-primary);
}

.stat-item p {
  font-size: 0.875rem;
  color: var(--text-muted);
}

@media (max-width: 768px) {
  .stats-bar { grid-template-columns: repeat(2, 1fr); }
}

/* ============================================
   CTA Section
   ============================================ */
.cta-section {
  background: var(--text-primary);
  padding: 72px 0;
  text-align: center;
}

.cta-section h2 {
  color: var(--bg-white);
  margin-bottom: 12px;
}

.cta-section p {
  color: rgba(255, 255, 255, 0.6);
  font-size: 1.0625rem;
  max-width: 500px;
  margin: 0 auto 28px;
}

.cta-section .btn {
  background: var(--bg-white);
  color: var(--text-primary);
}

.cta-section .btn:hover {
  background: var(--bg-light);
  box-shadow: var(--shadow-lg);
}

/* ============================================
   Footer
   ============================================ */
.footer {
  background: var(--bg-light);
  border-top: 1px solid var(--border);
  padding-top: 64px;
}

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr 1fr;
  gap: 40px;
  padding-bottom: 48px;
  border-bottom: 1px solid var(--border);
}

.footer-about { max-width: 280px; }
.footer-about .logo { margin-bottom: 12px; }

.footer-about p {
  font-size: 0.8125rem;
  color: var(--text-muted);
  margin-bottom: 16px;
}

.footer-socials {
  display: flex;
  gap: 8px;
}

.footer-socials a {
  width: 36px; height: 36px; border-radius: 50%;
  background: var(--bg-white); border: 1px solid var(--border);
  display: flex; align-items: center; justify-content: center;
  transition: var(--transition);
}

.footer-socials a:hover {
  background: var(--text-primary);
  color: var(--bg-white);
  border-color: var(--text-primary);
}

.footer-socials a svg { width: 16px; height: 16px; }

.footer-col h4 {
  font-size: 0.8125rem;
  font-weight: 500;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--text-muted);
  margin-bottom: 16px;
}

.footer-col a {
  display: block;
  font-size: 0.875rem;
  color: var(--text-secondary);
  margin-bottom: 10px;
}

.footer-col a:hover { color: var(--text-primary); }

.footer-bottom {
  padding: 20px 0;
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  gap: 24px;
  flex-wrap: wrap;
}

.footer-legal { max-width: 780px; }

.footer-legal p {
  font-size: 0.75rem;
  color: var(--text-muted);
  line-height: 1.6;
}

.footer-bottom-links { display: flex; gap: 16px; }
.footer-bottom-links a { font-size: 0.75rem; color: var(--text-muted); }
.footer-bottom-links a:hover { color: var(--text-primary); }

@media (max-width: 1024px) {
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .footer-about { grid-column: 1 / -1; max-width: 100%; }
}
@media (max-width: 640px) {
  .footer-grid { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; }
}

/* ============================================
   Page Hero (Inner Pages)
   ============================================ */
.page-hero {
  padding: 140px 0 64px;
  position: relative;
  background: var(--bg-white);
  border-bottom: 1px solid var(--border);
}

.page-hero .hero-bg { display: none; }
.page-hero .container { position: relative; z-index: 1; }
.page-hero h1 { margin-bottom: 12px; }

.page-hero p {
  font-size: 1.0625rem;
  max-width: 560px;
  color: var(--text-secondary);
}

.breadcrumb {
  display: flex;
  gap: 8px;
  align-items: center;
  font-size: 0.8125rem;
  color: var(--text-muted);
  margin-bottom: 20px;
}

.breadcrumb a:hover { color: var(--text-primary); }

/* ============================================
   Feature Block
   ============================================ */
.feature-block {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 56px;
  align-items: center;
  margin-bottom: 72px;
}

.feature-block:last-child { margin-bottom: 0; }
.feature-block.reverse .feature-visual { order: -1; }

.feature-visual {
  background: var(--bg-light);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 40px;
  display: flex;
  align-items: center;
  justify-content: center;
  min-height: 300px;
}

.feature-visual svg {
  width: 100%;
  max-width: 260px;
  height: auto;
}

.feature-text h3 { margin-bottom: 12px; }
.feature-text p { margin-bottom: 20px; }

.feature-list {
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.feature-list li {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 0.9375rem;
  color: var(--text-secondary);
}

.feature-list li svg {
  width: 18px; height: 18px; flex-shrink: 0; margin-top: 3px;
  stroke: var(--text-primary); fill: none; stroke-width: 2;
}

@media (max-width: 768px) {
  .feature-block { grid-template-columns: 1fr; gap: 32px; }
  .feature-block.reverse .feature-visual { order: 0; }
}

/* ============================================
   Contact Form
   ============================================ */
.form-group { margin-bottom: 16px; }

.form-group label {
  display: block;
  font-size: 0.8125rem;
  font-weight: 500;
  color: var(--text-secondary);
  margin-bottom: 6px;
}

.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 12px 14px;
  background: var(--bg-white);
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  color: var(--text-primary);
  font-family: inherit;
  font-size: 0.9375rem;
  transition: var(--transition);
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  outline: none;
  border-color: var(--text-primary);
  box-shadow: 0 0 0 3px rgba(17, 24, 39, 0.05);
}

.form-group textarea { min-height: 120px; resize: vertical; }

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}

@media (max-width: 640px) {
  .form-row { grid-template-columns: 1fr; }
}

/* ============================================
   Contact Info
   ============================================ */
.contact-info {
  display: flex;
  flex-direction: column;
  gap: 20px;
}

.contact-info-item {
  display: flex;
  gap: 14px;
  align-items: flex-start;
}

.contact-info-icon {
  width: 40px; height: 40px;
  border-radius: var(--radius-sm);
  background: var(--bg-light);
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}

.contact-info-icon svg {
  width: 20px; height: 20px;
  stroke: var(--text-primary); fill: none; stroke-width: 1.5;
}

.contact-info-item h4 { font-size: 0.9375rem; margin-bottom: 2px; }
.contact-info-item p { font-size: 0.8125rem; }

/* ============================================
   Content Pages (policy, compliance)
   ============================================ */
.content-page { padding: 48px 0 80px; }
.content-page .container { max-width: 760px; }

.content-page h2 {
  font-size: 1.375rem;
  margin: 36px 0 12px;
  color: var(--text-primary);
}

.content-page h3 {
  font-size: 1.125rem;
  margin: 28px 0 10px;
  color: var(--text-primary);
}

.content-page p { margin-bottom: 14px; }

.content-page ul, .content-page ol {
  padding-left: 20px;
  margin-bottom: 14px;
}

.content-page li {
  color: var(--text-secondary);
  margin-bottom: 6px;
  list-style: disc;
  font-size: 0.9375rem;
}

.content-page ol li { list-style: decimal; }

/* ============================================
   Partners
   ============================================ */
.partner-logos {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
  margin-top: 40px;
}

.partner-logo-card {
  background: var(--bg-white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 28px;
  display: flex;
  align-items: center;
  justify-content: center;
  min-height: 100px;
  transition: var(--transition);
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--text-muted);
  letter-spacing: 0.05em;
}

.partner-logo-card:hover {
  border-color: #d1d5db;
  box-shadow: var(--shadow-sm);
}

@media (max-width: 768px) {
  .partner-logos { grid-template-columns: repeat(2, 1fr); }
}

/* ============================================
   Timeline
   ============================================ */
.timeline {
  position: relative;
  padding-left: 28px;
  margin-top: 40px;
}

.timeline::before {
  content: '';
  position: absolute;
  left: 0; top: 0; bottom: 0;
  width: 1px;
  background: var(--border);
}

.timeline-item {
  position: relative;
  padding-bottom: 36px;
}

.timeline-item:last-child { padding-bottom: 0; }

.timeline-item::before {
  content: '';
  position: absolute;
  left: -32px; top: 4px;
  width: 8px; height: 8px;
  border-radius: 50%;
  background: var(--text-primary);
  border: 2px solid var(--bg-white);
}

.timeline-item h4 { margin-bottom: 2px; }

.timeline-item .date {
  font-size: 0.8125rem;
  color: var(--text-muted);
  margin-bottom: 6px;
}

.timeline-item p { font-size: 0.9375rem; }

/* ============================================
   Animations
   ============================================ */
.fade-up {
  opacity: 0;
  transform: translateY(20px);
  transition: opacity 0.5s ease, transform 0.5s ease;
}

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

.stagger-children .fade-up:nth-child(1) { transition-delay: 0.03s; }
.stagger-children .fade-up:nth-child(2) { transition-delay: 0.06s; }
.stagger-children .fade-up:nth-child(3) { transition-delay: 0.09s; }
.stagger-children .fade-up:nth-child(4) { transition-delay: 0.12s; }
.stagger-children .fade-up:nth-child(5) { transition-delay: 0.15s; }
.stagger-children .fade-up:nth-child(6) { transition-delay: 0.18s; }

/* ============================================
   Responsive
   ============================================ */
@media (max-width: 768px) {
  .section { padding: 56px 0; }
  .hero-stats { gap: 20px; flex-wrap: wrap; }
  .stats-bar { gap: 20px; }
  .stat-item h3 { font-size: 1.5rem; }
  .page-hero { padding: 110px 0 48px; }
}

/* ============================================
   How It Works
   ============================================ */
.steps {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-top: 40px;
}

.step { text-align: center; }

.step-number {
  width: 48px; height: 48px;
  border-radius: 50%;
  background: var(--bg-light);
  border: 1px solid var(--border);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.125rem;
  font-weight: 600;
  color: var(--text-primary);
  margin: 0 auto 16px;
}

.step h4 { margin-bottom: 6px; }
.step p { font-size: 0.9375rem; }

@media (max-width: 768px) {
  .steps { grid-template-columns: 1fr; }
}

/* ============================================
   Values Grid
   ============================================ */
.values-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 16px;
  margin-top: 40px;
}

.value-card {
  display: flex;
  gap: 16px;
  padding: 24px;
  background: var(--bg-white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  transition: var(--transition);
}

.value-card:hover {
  box-shadow: var(--shadow-sm);
  border-color: #d1d5db;
}

.value-icon {
  width: 40px; height: 40px;
  border-radius: var(--radius-sm);
  background: var(--bg-light);
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}

.value-icon svg {
  width: 20px; height: 20px;
  stroke: var(--text-primary); fill: none; stroke-width: 1.5;
}

.value-content h4 { margin-bottom: 2px; font-size: 1rem; }
.value-content p { font-size: 0.8125rem; }

@media (max-width: 640px) {
  .values-grid { grid-template-columns: 1fr; }
}

/* ============================================
   Map
   ============================================ */
.map-placeholder {
  width: 100%;
  height: 360px;
  background: var(--bg-light);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-top: 40px;
  overflow: hidden;
}

.map-placeholder iframe {
  width: 100%;
  height: 100%;
  border: 0;
  filter: grayscale(0.3);
}

/* ============================================
   AI Disclosure
   ============================================ */
.ai-disclosure {
  text-align: center;
  padding: 12px 0;
  font-size: 0.6875rem;
  color: var(--text-muted);
  border-top: 1px solid var(--border);
}