/* ============================================================
   FARIJI DT SACCO — Banking-style redesign
   Primary: Fariji Sky Blue (#00BFFF)  ·  Accent: Fariji Green (#32CD32)
   Fonts: Inter (UI/body) · Lora (display headings) · Merriweather (editorial)
   Technologies: Plain HTML/CSS/JS — cPanel compatible, no build step
   ============================================================ */

/* ─── Design Tokens ─── */
:root {
  /* ── Blue (PRIMARY — dominant throughout) ── */
  --c-blue:        #00bfff;
  --c-blue-deep:   #0090c0;
  --c-blue-mid:    #00aae3;
  --c-blue-bright: #4dd2ff;
  --c-blue-tint:   #e6f9ff;
  --c-blue-tint-2: rgba(0,191,255,.07);
  --c-blue-rim:    #a3e8ff;

  /* ── Green (secondary / natural accent) ── */
  --c-green:        #32cd32;
  --c-green-deep:   #228b22;
  --c-green-mid:    #3cd03c;
  --c-green-bright: #5ee85e;
  --c-green-tint:   #ebfaeb;
  --c-green-tint-2: rgba(50,205,50,.07);
  --c-green-rim:    #b5edb5;
  --c-mint:         #4ce24c;
  --c-mint-bright:  #84e184;
  --c-sky-on-dark:  #73dcff;   /* light sky blue accent ON dark navy */

  /* ── Dark substrate — deep navy blue ── */
  --c-ink-navy:    #050d1c;
  --c-ink-navy-1:  #091828;
  --c-ink-navy-2:  #0d2540;
  --c-ink-navy-3:  #122e4e;

  /* ── Light substrate ── */
  --c-bone:    #faf9f6;
  --c-paper:   #ffffff;
  --c-surface: #f4f3ef;
  --c-border:  #e6e3dc;
  --c-border-2:#ebe9e3;

  /* ── Text ── */
  --c-ink:   #0d1208;
  --c-ink-2: #2a3530;
  --c-ink-3: #5b6962;
  --c-ink-4: #8b9690;
  --c-ink-70: rgba(13,18,8,.70);

  /* ── Functional ── */
  --c-whatsapp: #25D366;
  --c-amber:    #f59e0b;
  --c-mpesa:    #cc0000;


  /* ── Shadows (blue glow) ── */
  --sh-sm:         0 2px 12px rgba(0,20,50,.07), 0 1px 2px rgba(0,20,50,.04);
  --sh-md:         0 8px 32px rgba(0,20,50,.10), 0 2px 8px rgba(0,20,50,.06);
  --sh-card-hover: 0 12px 44px rgba(0,20,50,.12), 0 3px 10px rgba(0,20,50,.06);
  --sh-btn:        0 1px 0 rgba(255,255,255,.18) inset, 0 4px 16px rgba(20,114,159,.35);
  --sh-btn-hover:  0 1px 0 rgba(255,255,255,.18) inset, 0 12px 28px rgba(20,114,159,.50);

  /* ── Radii ── */
  --r-sm:   6px;
  --r-md:   10px;
  --r-lg:   14px;
  --r-xl:   18px;
  --r-2xl:  26px;
  --r-pill: 999px;

  /* ── Motion ── */
  --ease-spring: cubic-bezier(.22,.68,0,1.05);
  --ease-bounce: cubic-bezier(.34,1.56,.64,1);
  --ease-smooth: cubic-bezier(.25,.8,.25,1);
  --dur-fast: .15s;
  --dur-base: .22s;

  /* ── Fonts ── */
  --ff-sans:    'Inter', 'Segoe UI', system-ui, -apple-system, sans-serif;
  --ff-display: 'Lora', Georgia, 'Times New Roman', serif;
  --ff-serif:   'Merriweather', Georgia, 'Times New Roman', serif;

  --tracking-tight:   -.025em;
  --tracking-snug:    -.015em;
  --tracking-eyebrow:  .1em;

  /* Accent on dark sections = bright green (contrast against navy) */
  --acc-dark: var(--c-sky-on-dark);
}

/* ─── Reset ─── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; -webkit-tap-highlight-color: transparent; }
body { font-family: var(--ff-sans); background: var(--c-bone); color: var(--c-ink); -webkit-font-smoothing: antialiased; line-height: 1.6; }
img { max-width: 100%; display: block; }
button { font-family: inherit; cursor: pointer; }
a { color: inherit; text-decoration: none; }
ul, ol { list-style: none; }
::selection { background: var(--c-blue-tint); color: var(--c-blue-deep); }

/* ─── Layout ─── */
.wrap { max-width: 1200px; margin: 0 auto; padding: 0 24px; }
@media (min-width: 768px) { .wrap { padding: 0 44px; } }

/* ─── Scroll Reveal ─── */
html.js-motion .rv { opacity: 0; transform: translateY(24px); transition: opacity .65s var(--ease-spring), transform .65s var(--ease-spring); }
html.js-motion .rv.in { opacity: 1; transform: none; }
html.js-motion .rv[data-d="1"] { transition-delay: .07s; }
html.js-motion .rv[data-d="2"] { transition-delay: .14s; }
html.js-motion .rv[data-d="3"] { transition-delay: .21s; }
html.js-motion .rv[data-d="4"] { transition-delay: .28s; }
html.js-motion .rv[data-d="5"] { transition-delay: .35s; }
@media (prefers-reduced-motion: reduce) { * { animation: none !important; transition: none !important; } html { scroll-behavior: auto; } }
body[data-motion="subtle"] .amb { animation: none !important; }

/* ─── Typography ─── */
.section-label {
  font-size: .72rem; font-weight: 700; letter-spacing: var(--tracking-eyebrow);
  text-transform: uppercase; color: var(--c-blue);
  display: flex; align-items: center; gap: 10px; margin-bottom: 12px;
}
.section-label::before { content: ''; display: block; width: 24px; height: 2px; background: var(--c-blue); border-radius: 2px; flex-shrink: 0; }
.section-label.light { color: var(--acc-dark); }
.section-label.light::before { background: var(--acc-dark); }
.section-label em { font-style: italic; text-transform: none; }

h2.display { font-family: var(--ff-display); font-size: clamp(1.9rem, 4vw, 2.8rem); font-weight: 700; line-height: 1.12; letter-spacing: var(--tracking-tight); text-wrap: balance; }
h2.display em { font-style: italic; color: var(--c-blue); }
h2.display.light { color: #fff; }
h2.display.light em { color: var(--acc-dark); }

.section-lede { font-family: var(--ff-serif); font-weight: 300; font-size: 1rem; color: var(--c-ink-3); line-height: 1.75; max-width: 540px; margin-top: 14px; }
.section-lede.light { color: rgba(255,255,255,.62); }

/* ─── Buttons ─── */
.btn {
  display: inline-flex; align-items: center; justify-content: center;
  gap: 8px; border: none; font-family: var(--ff-sans); font-weight: 700;
  text-decoration: none; border-radius: var(--r-pill); transition: all .18s;
  white-space: nowrap; font-size: .95rem; padding: 14px 28px; min-height: 50px; cursor: pointer;
}
.btn:focus-visible { outline: 2px solid var(--c-blue); outline-offset: 3px; }
.btn-primary { background: var(--c-blue); color: #fff; box-shadow: var(--sh-btn); }
.btn-primary:hover { transform: translateY(-2px); box-shadow: var(--sh-btn-hover); filter: brightness(1.06); }
.btn-primary:active { transform: scale(.98); }
.btn-outline-white { background: transparent; border: 2px solid rgba(255,255,255,.5); color: #fff; font-weight: 600; }
.btn-outline-white:hover { background: rgba(255,255,255,.1); border-color: rgba(255,255,255,.8); }
.btn-outline-blue { background: transparent; border: 2px solid var(--c-blue); color: var(--c-blue); font-weight: 600; }
.btn-outline-blue:hover { background: var(--c-blue-tint); }
.btn-ghost-dark { background: rgba(255,255,255,.06); border: 1.5px solid rgba(255,255,255,.22); color: #fff; font-weight: 600; }
.btn-ghost-dark:hover { background: rgba(255,255,255,.13); border-color: rgba(255,255,255,.4); }
.btn-white { background: #fff; color: var(--c-blue-deep); font-weight: 700; }
.btn-white:hover { background: var(--c-blue-tint); transform: translateY(-2px); }
.btn-wa { background: var(--c-whatsapp); color: #fff; }
.btn-wa:hover { transform: translateY(-2px); box-shadow: 0 8px 22px rgba(37,211,102,.35); }
.btn-wa img { width: 19px; height: 19px; }
.btn-sm { padding: 10px 20px; font-size: .86rem; min-height: 42px; }

/* ════════════════════════════════════════════════
   HEADER
════════════════════════════════════════════════ */
.hdr {
  position: fixed; top: 0; left: 0; right: 0; z-index: 50; height: 68px;
  display: flex; align-items: center;
  transition: transform .35s var(--ease-spring), background .25s, border-color .25s, box-shadow .25s;
  border-bottom: 1px solid transparent;
}
.hdr-in { width: 100%; max-width: 1380px; margin: 0 auto; padding: 0 24px; display: flex; align-items: center; justify-content: space-between; gap: 12px; }
@media (min-width: 768px) { .hdr { height: 76px; } .hdr-in { padding: 0 36px; } }
.hdr.is-hidden { transform: translateY(-100%); }
.hdr.is-solid { background: rgba(250,249,246,.96); backdrop-filter: blur(14px); border-bottom-color: var(--c-border); box-shadow: 0 1px 16px rgba(0,0,0,.06); }

.brand { display: flex; align-items: center; gap: 10px; text-decoration: none; }
.brand img { width: 40px; height: 40px; object-fit: contain; }
.brand-name { font-weight: 800; font-size: .98rem; letter-spacing: -.025em; line-height: 1.05; color: #fff; transition: color .25s; }
.brand-name small { display: block; font-size: .54rem; font-weight: 600; letter-spacing: .14em; text-transform: uppercase; color: rgba(255,255,255,.5); margin-top: 2px; transition: color .25s; }
.brand-name small em { font-style: italic; text-transform: none; }
.hdr.is-solid .brand-name { color: var(--c-ink); }
.hdr.is-solid .brand-name small { color: var(--c-ink-4); }

.nav-links { display: none; }
@media (min-width: 1080px) {
  .nav-links { display: flex; align-items: center; gap: 1px; }
  .nav-link { padding: 8px 13px; border-radius: var(--r-pill); font-size: .87rem; font-weight: 500; color: rgba(255,255,255,.8); text-decoration: none; transition: all .15s; }
  .nav-link:hover { background: rgba(255,255,255,.1); color: #fff; }
  .nav-link.active { color: var(--acc-dark); font-weight: 600; }
  .hdr.is-solid .nav-link { color: var(--c-ink-70); }
  .hdr.is-solid .nav-link:hover { background: rgba(0,191,255,.07); color: var(--c-blue); }
  .hdr.is-solid .nav-link.active { color: var(--c-blue); }
}

.hdr-actions { display: flex; align-items: center; gap: 8px; }
.hdr-login { display: none; }
@media (min-width: 768px) { .hdr-login { display: inline-flex; } }
.hdr.is-solid .btn-ghost-dark { border-color: var(--c-border); color: var(--c-ink); background: transparent; }
.hdr.is-solid .btn-ghost-dark:hover { border-color: var(--c-blue); color: var(--c-blue); }
.hdr-cta { display: none; }
@media (min-width: 480px) { .hdr-cta { display: inline-flex; } }
.menu-btn { display: flex; align-items: center; justify-content: center; width: 44px; height: 44px; border-radius: 12px; border: 1.5px solid rgba(255,255,255,.25); background: rgba(255,255,255,.06); color: #fff; transition: all .2s; }
.hdr.is-solid .menu-btn { border-color: var(--c-border); background: #fff; color: var(--c-ink); }
@media (min-width: 1080px) { .menu-btn { display: none; } }

/* ── Mega menu (desktop dropdowns: About / Services / Channels) ── */
@media (min-width: 1080px) {
  .nav-item { position: relative; }
  .nav-drop-btn {
    display: inline-flex; align-items: center; gap: 4px; padding: 8px 13px;
    border-radius: var(--r-pill); font-family: inherit; font-size: .87rem; font-weight: 500;
    color: rgba(255,255,255,.8); background: none; border: none; transition: all .15s;
  }
  .nav-drop-btn:hover, .nav-item.is-open .nav-drop-btn { background: rgba(255,255,255,.1); color: #fff; }
  .hdr.is-solid .nav-drop-btn { color: var(--c-ink-70); }
  .hdr.is-solid .nav-drop-btn:hover, .hdr.is-solid .nav-item.is-open .nav-drop-btn { background: rgba(0,191,255,.07); color: var(--c-blue); }
  .nav-chevron { width: 14px; height: 14px; transition: transform .2s; }
  .nav-item.is-open .nav-chevron { transform: rotate(180deg); }

  .mega-menu {
    position: absolute; top: calc(100% + 14px); left: 0;
    width: max-content; max-width: min(760px, calc(100vw - 24px));
    background: var(--c-paper); border: 1px solid var(--c-border); border-radius: var(--r-xl);
    box-shadow: var(--sh-md), 0 20px 60px rgba(0,20,50,.18);
    padding: 28px; opacity: 0; visibility: hidden; pointer-events: none;
    transform: translateY(8px);
    transition: opacity .22s var(--ease-smooth), transform .22s var(--ease-smooth), visibility .22s;
    z-index: 55;
  }
  .nav-item.is-open .mega-menu { opacity: 1; visibility: visible; pointer-events: auto; transform: translateY(0); }

  .mega-about-inner, .mega-services-inner { display: grid; grid-template-columns: 220px 260px 220px; gap: 28px; }
  .mega-channels-inner { display: grid; grid-template-columns: 280px 220px; gap: 28px; }

  .mega-eyebrow { font-size: .7rem; font-weight: 700; letter-spacing: var(--tracking-eyebrow); text-transform: uppercase; color: var(--c-blue); margin-bottom: 6px; }
  .mega-heading { font-family: var(--ff-display); font-size: 1.28rem; font-weight: 700; line-height: 1.22; margin-bottom: 10px; }
  .mega-heading em { font-style: italic; color: var(--c-blue); }
  .mega-text { font-size: .85rem; color: var(--c-ink-3); line-height: 1.6; margin-bottom: 16px; }
  .mega-link-more { display: inline-flex; align-items: center; gap: 6px; font-size: .85rem; font-weight: 700; color: var(--c-blue); transition: gap .2s; }
  .mega-link-more:hover { gap: 9px; }
  .mega-link-more .lucide, .mega-link-more svg { width: 15px; height: 15px; }

  .mega-col-links, .mega-channels-links { display: flex; flex-direction: column; gap: 3px; }
  .mega-link-item, .mega-channel-item { display: flex; align-items: center; gap: 12px; padding: 10px; border-radius: var(--r-md); transition: background .15s; }
  .mega-link-item:hover, .mega-channel-item:hover { background: var(--c-blue-tint); }
  .mli-icon { width: 36px; height: 36px; border-radius: 10px; display: flex; align-items: center; justify-content: center; flex-shrink: 0; background: var(--c-blue-tint); color: var(--c-blue); }
  .mli-icon.green { background: var(--c-green-tint); color: var(--c-green); }
  .mli-icon .lucide, .mli-icon svg { width: 18px; height: 18px; }
  .mli-text, .mega-channel-item > div { display: flex; flex-direction: column; }
  .mli-text strong, .mega-channel-item strong { font-size: .88rem; font-weight: 700; color: var(--c-ink); }
  .mli-text span, .mega-channel-item span { font-size: .76rem; color: var(--c-ink-4); margin-top: 1px; }

  .mega-col-products { display: flex; flex-direction: column; gap: 2px; }
  .mega-product-item { display: flex; align-items: center; gap: 10px; padding: 9px 10px; border-radius: var(--r-md); transition: background .15s; }
  .mega-product-item:hover { background: var(--c-blue-tint); }
  .mpi-icon { width: 32px; height: 32px; border-radius: 8px; background: var(--c-blue-tint); color: var(--c-blue); display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
  .mpi-icon .lucide, .mpi-icon svg { width: 16px; height: 16px; }
  .mega-product-item strong { display: block; font-size: .85rem; font-weight: 700; color: var(--c-ink); }
  .mega-product-item span { font-size: .74rem; color: var(--c-ink-4); }

  .mega-col-img { position: relative; }
  .mega-img-card { position: relative; height: 100%; min-height: 210px; border-radius: var(--r-lg); overflow: hidden; background-size: cover; background-position: center; background-color: var(--c-ink-navy-2); }
  .mega-img-dark { background-image: linear-gradient(135deg, var(--c-blue-deep), var(--c-ink-navy-2)); }
  .mega-img-overlay { position: absolute; inset: 0; display: flex; flex-direction: column; justify-content: flex-end; padding: 16px; background: linear-gradient(0deg, rgba(5,13,28,.9), rgba(5,13,28,.1) 65%); color: #fff; }
  .mega-img-eyebrow { font-size: .68rem; font-weight: 700; text-transform: uppercase; letter-spacing: .08em; color: var(--acc-dark); margin-bottom: 5px; }
  .mega-img-overlay strong { display: block; font-size: .92rem; font-weight: 700; line-height: 1.3; margin-bottom: 10px; }
  .mega-img-cta { display: inline-flex; align-items: center; gap: 5px; font-size: .78rem; font-weight: 700; color: #fff; }
  .mega-img-cta .lucide, .mega-img-cta svg { width: 14px; height: 14px; }
}

.mega-backdrop { position: fixed; inset: 0; top: 68px; background: rgba(5,13,28,.25); backdrop-filter: blur(2px); opacity: 0; pointer-events: none; transition: opacity .25s; z-index: 45; }
.mega-backdrop.active { opacity: 1; pointer-events: auto; }
@media (min-width: 768px) { .mega-backdrop { top: 76px; } }

/* Mobile menu */
.mnav { position: fixed; inset: 0; z-index: 60; display: flex; flex-direction: column; background: rgba(5,13,28,.97); backdrop-filter: blur(14px); padding: 18px 24px 30px; opacity: 0; pointer-events: none; transition: opacity .28s ease; }
.mnav.open { opacity: 1; pointer-events: auto; }
.mnav-top { display: flex; align-items: center; justify-content: space-between; margin-bottom: 26px; }
.mnav-close { width: 44px; height: 44px; border-radius: 12px; border: 1.5px solid rgba(255,255,255,.2); background: rgba(255,255,255,.06); color: #fff; display: flex; align-items: center; justify-content: center; }
.mnav-links { display: flex; flex-direction: column; gap: 3px; overflow-y: auto; }
.mnav-link { display: flex; align-items: center; justify-content: space-between; padding: 14px 12px; border-radius: 12px; color: #fff; text-decoration: none; font-family: var(--ff-display); font-size: 1.4rem; font-weight: 700; transition: background .15s; transform: translateY(14px); opacity: 0; }
.mnav.open .mnav-link { transform: none; opacity: 1; transition: transform .4s var(--ease-spring), opacity .4s, background .15s; }
.mnav.open .mnav-link:nth-child(2) { transition-delay: .04s; } .mnav.open .mnav-link:nth-child(3) { transition-delay: .08s; }
.mnav.open .mnav-link:nth-child(4) { transition-delay: .12s; } .mnav.open .mnav-link:nth-child(5) { transition-delay: .16s; }
.mnav.open .mnav-link:nth-child(6) { transition-delay: .20s; } .mnav.open .mnav-link:nth-child(7) { transition-delay: .24s; }
.mnav-link:hover { background: rgba(0,191,255,.12); }
.mnav-link .lucide { color: rgba(255,255,255,.38); width: 18px; height: 18px; }
.mnav-foot { margin-top: auto; display: flex; flex-direction: column; gap: 10px; padding-top: 24px; }
.lucide { width: 18px; height: 18px; flex-shrink: 0; }

/* ════════════════════════════════════════════════
   HERO — asymmetric split, framed photograph
════════════════════════════════════════════════ */
.hero {
  position: relative; overflow: hidden;
  background-color: var(--c-ink-navy);
  background-image:
    radial-gradient(ellipse 900px 500px at 85% 0%, rgba(0,191,255,.16), transparent 60%),
    radial-gradient(ellipse 700px 500px at 0% 100%, rgba(50,205,50,.08), transparent 55%);
  display: flex; flex-direction: column; justify-content: center;
  min-height: 100vh; min-height: 100dvh;
  padding-top: 68px;
}
@media (min-width: 768px) { .hero { padding-top: 76px; } }

.hero-wrap {
  position: relative; z-index: 2;
  max-width: 1280px; margin: 0 auto; width: 100%;
  display: grid; grid-template-columns: 1fr; align-items: center;
  gap: 48px;
  padding: 48px 24px;
}
@media (min-width: 768px) { .hero-wrap { padding: 60px 44px; } }
@media (min-width: 980px) { .hero-wrap { grid-template-columns: 1.05fr .95fr; gap: 32px; padding: 64px 44px; } }

/* ── Text column ── */
.hero h1 {
  font-family: var(--ff-display); font-weight: 700; color: #fff;
  font-size: clamp(2.6rem, 5.4vw, 4.2rem); line-height: 1.08;
  letter-spacing: var(--tracking-tight); text-wrap: balance;
  max-width: 620px; margin-bottom: 22px;
  animation: fadeUp .6s .1s var(--ease-spring) both;
}
.hero h1 em { font-style: italic; color: var(--acc-dark); }

.hero-sub {
  font-family: var(--ff-serif); font-weight: 300; font-size: clamp(.92rem, 1.6vw, 1.06rem);
  color: rgba(255,255,255,.66); line-height: 1.78; max-width: 480px;
  margin-bottom: 34px; animation: fadeUp .6s .18s var(--ease-spring) both;
}

.hero-ctas { display: flex; gap: 12px; flex-wrap: wrap; animation: fadeUp .6s .26s var(--ease-spring) both; }
@media (max-width: 400px) { .hero-ctas .btn { width: 100%; } }

/* ── Media column: Storyset illustration ── */
.hero-media { position: relative; display: flex; justify-content: center; animation: fadeUp .7s .16s var(--ease-spring) both; }

.hero-blob-wrap { position: relative; width: 100%; max-width: 520px; aspect-ratio: 3 / 2; margin: 12px auto 0; padding: 7%; box-sizing: border-box; }

.hero-ring {
  position: absolute; z-index: 0; width: 130px; height: 130px;
  right: 0; bottom: -8%;
  border: 1.5px dashed rgba(255,255,255,.18); border-radius: 50%;
}

.hero-star { position: absolute; z-index: 3; animation: twinkle 3.2s ease-in-out infinite; }
.hero-star .lucide { width: 22px; height: 22px; stroke-width: 1.5; }
.hero-star-1 { top: -2%; left: 6%; color: var(--c-blue-bright); }
.hero-star-2 { bottom: 8%; right: 14%; color: var(--acc-dark); animation-delay: .8s; }
@keyframes twinkle { 0%, 100% { opacity: .45; transform: scale(.85) rotate(0deg); } 50% { opacity: 1; transform: scale(1.08) rotate(8deg); } }

.hero-illustration {
  position: absolute; inset: 0; z-index: 1; width: 100%; height: 100%;
  object-fit: contain;
  filter: drop-shadow(0 25px 45px rgba(0,10,25,.5));
  animation: floatSlow 7s ease-in-out infinite;
}
@keyframes floatSlow {
  0%, 100% { transform: translateY(0); }
  50%      { transform: translateY(-10px); }
}

.hero-card {
  position: absolute; z-index: 2; width: 118px;
  display: flex; align-items: center; gap: 8px;
  padding: 10px 12px; text-align: left;
  border-radius: var(--r-lg);
  background: rgba(9,24,40,.85); backdrop-filter: blur(12px); -webkit-backdrop-filter: blur(12px);
  border: 1px solid rgba(255,255,255,.14);
  box-shadow: 0 16px 34px rgba(0,10,25,.45);
}
.hero-card span { font-size: .64rem; font-weight: 700; color: rgba(255,255,255,.85); line-height: 1.2; }
.hero-card-a { top: 2%; right: -2%; transform: rotate(-4deg); }
.hero-card-b { bottom: 6%; left: -4%; transform: rotate(3deg); }

.hc-icon { width: 30px; height: 30px; flex-shrink: 0; border-radius: 50%; display: flex; align-items: center; justify-content: center; }
.hero-card-a .hc-icon { background: rgba(50,205,50,.18); color: var(--c-green-bright); }
.hero-card-b .hc-icon { background: rgba(0,191,255,.18); color: var(--c-blue-bright); }
.hc-icon .lucide { width: 15px; height: 15px; }

@media (max-width: 400px) { .hero-blob-wrap { max-width: 320px; } }
@media (max-width: 340px) { .hero-card { width: 104px; padding: 8px 10px; } }

/* ════════════════════════════════════════════════
   NOTICE STRIP
════════════════════════════════════════════════ */
.notice-strip { background: var(--c-blue-deep); color: rgba(255,255,255,.88); padding: 11px 24px; display: flex; align-items: center; justify-content: center; gap: 10px; font-size: .82rem; }
.notice-strip .lucide { width: 15px; height: 15px; color: var(--acc-dark); flex-shrink: 0; }
.notice-strip a { color: var(--acc-dark); font-weight: 700; text-decoration: underline; text-underline-offset: 2px; }

/* ════════════════════════════════════════════════
   SECTION UTILITY
════════════════════════════════════════════════ */
section { position: relative; }
.section-pad { padding: 80px 0; }
@media (min-width: 900px) { .section-pad { padding: 100px 0; } }
.section-pad-sm { padding: 60px 0; }

/* ════════════════════════════════════════════════
   SPLIT SECTIONS
════════════════════════════════════════════════ */
.split-section { display: grid; grid-template-columns: 1fr; }
@media (min-width: 900px) { .split-section { grid-template-columns: 1fr 1fr; min-height: 560px; } }
.split-photo { position: relative; overflow: hidden; min-height: 300px; }
@media (min-width: 900px) { .split-photo { min-height: 560px; } }
.split-photo img { width: 100%; height: 100%; object-fit: cover; display: block; }
.split-photo-overlay { position: absolute; inset: 0; background: rgba(5,13,28,.18); }
.split-text { display: flex; flex-direction: column; justify-content: center; padding: 52px 32px; }
@media (min-width: 900px) { .split-text { padding: 64px 56px; } }
@media (min-width: 1200px) { .split-text { padding: 80px 72px; } }
.split-text .section-label { margin-bottom: 14px; }
.split-text .display { margin-bottom: 16px; }
.split-text .section-lede { margin-bottom: 28px; margin-top: 0; }

/* ════════════════════════════════════════════════
   LOAN PRODUCTS — editorial list
════════════════════════════════════════════════ */
.loan-list { display: flex; flex-direction: column; margin: 28px 0 36px; }
.ll-item { display: flex; align-items: center; gap: 16px; padding: 14px 0; border-bottom: 1px solid var(--c-border-2); text-decoration: none; color: var(--c-ink); transition: all .15s; }
.ll-item:first-child { border-top: 1px solid var(--c-border-2); }
.ll-item:hover { padding-left: 6px; }
.ll-icon { width: 36px; height: 36px; border-radius: 10px; background: var(--c-blue-tint); color: var(--c-blue); display: flex; align-items: center; justify-content: center; flex-shrink: 0; transition: all .15s; }
.ll-item:hover .ll-icon { background: var(--c-blue); color: #fff; }
.ll-icon .lucide { width: 17px; height: 17px; }
.ll-name { flex: 1; font-weight: 700; font-size: .95rem; }
.ll-term { font-size: .72rem; font-weight: 700; letter-spacing: .04em; text-transform: uppercase; color: var(--c-ink-4); }
.ll-arrow { color: var(--c-ink-4); transition: all .2s var(--ease-bounce); }
.ll-item:hover .ll-arrow { color: var(--c-blue); transform: translateX(4px); }
.ll-arrow .lucide { width: 16px; height: 16px; }

/* ════════════════════════════════════════════════
   TRUST POINTS
════════════════════════════════════════════════ */
.trust-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; margin: 28px 0 36px; }
.trust-item { display: flex; align-items: center; gap: 10px; font-size: .88rem; color: var(--c-ink-2); }
.trust-item .lucide { width: 16px; height: 16px; color: var(--c-blue); flex-shrink: 0; }
.trust-item strong { font-weight: 600; }

/* ════════════════════════════════════════════════
   STATS — large numbers on dark navy
════════════════════════════════════════════════ */
.stats-band { background: var(--c-ink-navy); }
.stats-row { display: grid; grid-template-columns: repeat(2, 1fr); }
@media (min-width: 900px) { .stats-row { grid-template-columns: repeat(4, 1fr); } }
.stat-cell { padding: 52px 32px; text-align: center; border-right: 1px solid rgba(255,255,255,.08); border-bottom: 1px solid rgba(255,255,255,.08); }
.stat-cell:nth-child(even) { border-right: none; }
@media (min-width: 900px) {
  .stat-cell { border-bottom: none; }
  .stat-cell:nth-child(even) { border-right: 1px solid rgba(255,255,255,.08); }
  .stat-cell:last-child { border-right: none; }
}
.stat-cell b { display: block; font-family: var(--ff-sans); font-size: clamp(2.4rem, 5vw, 3.4rem); font-weight: 800; color: #fff; letter-spacing: -.03em; line-height: 1; font-variant-numeric: tabular-nums; }
.stat-cell b em { font-style: normal; color: var(--acc-dark); }
.stat-cell span { display: block; margin-top: 10px; font-size: .73rem; font-weight: 600; letter-spacing: .08em; text-transform: uppercase; color: rgba(255,255,255,.42); }

/* ════════════════════════════════════════════════
   SAVINGS PRODUCTS
════════════════════════════════════════════════ */
.savings-section { background: var(--c-surface); }
.savings-intro { display: flex; flex-direction: column; gap: 8px; margin-bottom: 44px; }
@media (min-width: 900px) { .savings-intro { flex-direction: row; justify-content: space-between; align-items: flex-end; } }
.savings-more { display: inline-flex; align-items: center; gap: 6px; font-size: .88rem; font-weight: 700; color: var(--c-blue); white-space: nowrap; padding-bottom: 4px; }
.savings-more .lucide { width: 15px; height: 15px; transition: transform .2s var(--ease-bounce); }
.savings-more:hover .lucide { transform: translateX(3px); }

.savings-list { display: grid; grid-template-columns: 1fr; gap: 0; border-top: 1px solid var(--c-border); }
@media (min-width: 640px) { .savings-list { grid-template-columns: 1fr 1fr; } }
@media (min-width: 1000px) { .savings-list { grid-template-columns: repeat(5, 1fr); } }
.sv-item { display: flex; flex-direction: column; gap: 12px; padding: 28px 20px; border-bottom: 1px solid var(--c-border); border-right: 1px solid var(--c-border); text-decoration: none; color: var(--c-ink); transition: all .18s; position: relative; }
@media (min-width: 640px) { .sv-item:nth-child(even) { border-right: none; } }
@media (min-width: 1000px) { .sv-item { border-bottom: none; } .sv-item:nth-child(even) { border-right: 1px solid var(--c-border); } .sv-item:last-child { border-right: none; } }
.sv-item:hover { background: var(--c-paper); }
.sv-item:hover::before { content: ''; position: absolute; left: 0; top: 0; bottom: 0; width: 3px; background: var(--c-blue); border-radius: 2px; }
.sv-icon { width: 38px; height: 38px; border-radius: 10px; background: var(--c-blue-tint); color: var(--c-blue); display: flex; align-items: center; justify-content: center; }
.sv-icon .lucide { width: 18px; height: 18px; }
.sv-item b { font-size: .92rem; font-weight: 700; }
.sv-item p { font-size: .78rem; color: var(--c-ink-3); line-height: 1.5; margin: 0; }

/* ════════════════════════════════════════════════
   DIGITAL BANKING — deep navy split
════════════════════════════════════════════════ */
.digital-section { background: var(--c-ink-navy-2); }
.digital-split { display: grid; grid-template-columns: 1fr; }
@media (min-width: 900px) { .digital-split { grid-template-columns: 1fr 1fr; } }
.digital-text { padding: 64px 32px; display: flex; flex-direction: column; justify-content: center; }
@media (min-width: 900px) { .digital-text { padding: 80px 64px 80px 52px; } }
@media (min-width: 1200px) { .digital-text { padding: 96px 80px 96px 72px; } }
.digital-text h2 { margin-bottom: 12px; }
.digital-text .section-lede { margin-top: 0; margin-bottom: 40px; }
.digital-features { display: flex; flex-direction: column; gap: 28px; margin-bottom: 40px; }
.df-item { display: flex; gap: 18px; align-items: flex-start; }
.df-icon { width: 44px; height: 44px; border-radius: 12px; background: rgba(0,191,255,.15); display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.df-icon .lucide { width: 20px; height: 20px; color: var(--c-blue-bright); }
.df-body h4 { font-family: var(--ff-display); font-size: 1.1rem; font-weight: 700; color: #fff; margin-bottom: 5px; }
.df-body p { font-size: .84rem; color: rgba(255,255,255,.52); line-height: 1.6; }
.df-body ul { margin-top: 8px; display: flex; flex-direction: column; gap: 4px; }
.df-body li { display: flex; align-items: center; gap: 7px; font-size: .8rem; color: rgba(255,255,255,.52); }
.df-body li .lucide { width: 13px; height: 13px; color: var(--acc-dark); }

.digital-photo { position: relative; overflow: hidden; min-height: 380px; }
@media (min-width: 900px) { .digital-photo { min-height: 560px; } }
.digital-photo img { width: 100%; height: 100%; object-fit: cover; }
.digital-photo-scrim { display: none; }

/* ════════════════════════════════════════════════
   PAYMENT METHODS — separated panels
════════════════════════════════════════════════ */
.payments-intro { max-width: 560px; margin-bottom: 32px; }
.payments-grid { display: grid; grid-template-columns: 1fr; gap: 24px; }
@media (min-width: 860px) { .payments-grid { grid-template-columns: 1fr 1fr; gap: 28px; } }

.pm-card { border-radius: var(--r-xl); overflow: hidden; border: 1px solid var(--c-border-2); background: var(--c-paper); }
.pm-card-head { padding: 24px 28px 20px; border-bottom: 1px solid var(--c-border-2); display: flex; align-items: center; gap: 14px; }
.pm-head-icon { width: 44px; height: 44px; border-radius: 12px; display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.pm-head-icon.blue { background: var(--c-blue-tint); color: var(--c-blue); }
.pm-head-icon .lucide { width: 21px; height: 21px; }
.pm-head-title h3 { font-family: var(--ff-display); font-size: 1.18rem; font-weight: 700; margin-bottom: 3px; }
.pm-head-title span { font-size: .72rem; font-weight: 600; letter-spacing: .06em; text-transform: uppercase; color: var(--c-ink-4); }
.pm-card-body { padding: 24px 28px 28px; }
.pm-card-body p { font-size: .88rem; color: var(--c-ink-3); line-height: 1.65; margin-bottom: 20px; }
.pm-channels { display: flex; flex-wrap: wrap; gap: 7px; margin-bottom: 4px; }
.pm-channel { font-size: .7rem; font-weight: 700; letter-spacing: .04em; padding: 4px 10px; border-radius: var(--r-pill); background: var(--c-blue-tint-2); color: var(--c-blue); border: 1px solid var(--c-blue-rim); text-transform: uppercase; }

/* Lipa kwa Sacco card — blue themed */
.pm-card.lipa-card .pm-card-head { background: var(--c-blue-tint); }

/* M-PESA card — red branded */
.pm-card.mpesa-card { border-color: rgba(204,0,0,.18); }
.pm-card.mpesa-card .pm-card-head { background: #fdf2f2; border-bottom-color: rgba(204,0,0,.12); }
.pm-head-icon.mpesa { background: var(--c-mpesa); color: #fff; font-weight: 900; font-size: 1rem; letter-spacing: -.03em; font-family: var(--ff-sans); }
.pm-card.mpesa-card .pm-head-title h3 { color: var(--c-mpesa); }

.paybill-box { background: #fdf2f2; border: 2px solid rgba(204,0,0,.22); border-radius: var(--r-lg); padding: 20px 22px; margin-bottom: 18px; }
.pb-row { display: flex; align-items: center; justify-content: space-between; gap: 12px; padding: 8px 0; }
.pb-row + .pb-row { border-top: 1px solid rgba(204,0,0,.1); }
.pb-label-text { font-size: .72rem; font-weight: 700; letter-spacing: .06em; text-transform: uppercase; color: var(--c-ink-4); flex-shrink: 0; }
.pb-number { font-size: 1.5rem; font-weight: 800; color: var(--c-mpesa); letter-spacing: .05em; font-family: var(--ff-sans); }
.pb-id { font-size: .95rem; font-weight: 700; color: var(--c-ink); }
.pb-copy-btn { display: flex; align-items: center; gap: 5px; padding: 7px 14px; background: var(--c-mpesa); color: #fff; border: none; border-radius: var(--r-md); font-size: .75rem; font-weight: 700; cursor: pointer; transition: all .15s; white-space: nowrap; }
.pb-copy-btn:hover { filter: brightness(1.1); }
.pb-copy-btn.copied { background: var(--c-green); }
.pb-copy-btn .lucide { width: 13px; height: 13px; }
.mpesa-steps { background: rgba(204,0,0,.05); border-left: 3px solid var(--c-mpesa); border-radius: 0 var(--r-sm) var(--r-sm) 0; padding: 12px 14px; font-size: .78rem; color: var(--c-ink-3); line-height: 1.65; }
.mpesa-steps b { color: var(--c-ink); }

/* ════════════════════════════════════════════════
   WHY FARIJI
════════════════════════════════════════════════ */
.why-section { background: var(--c-bone); }
.why-intro { max-width: 560px; margin-bottom: 52px; }
.why-grid { display: grid; grid-template-columns: 1fr; gap: 0; border-top: 1px solid var(--c-border); }
@media (min-width: 720px) { .why-grid { grid-template-columns: 1fr 1fr; } }
@media (min-width: 1080px) { .why-grid { grid-template-columns: repeat(3, 1fr); } }
.why-item { padding: 28px 0 32px 0; border-bottom: 1px solid var(--c-border); display: flex; flex-direction: column; gap: 10px; }
@media (min-width: 720px) { .why-item { padding-right: 36px; } }
.why-icon { width: 38px; height: 38px; border-radius: 10px; background: var(--c-blue-tint); color: var(--c-blue); display: flex; align-items: center; justify-content: center; }
.why-icon.green { background: var(--c-green-tint); color: var(--c-green); }
.why-icon .lucide { width: 17px; height: 17px; }
.why-item h3 { font-family: var(--ff-display); font-size: 1.08rem; font-weight: 700; letter-spacing: -.01em; }
.why-item p { font-size: .85rem; color: var(--c-ink-3); line-height: 1.65; }

/* ════════════════════════════════════════════════
   TESTIMONIAL — full-width dark, photo bg
════════════════════════════════════════════════ */
.testi-section { position: relative; overflow: hidden; background: var(--c-ink-navy); }
.testi-photo { position: absolute; inset: 0; }
.testi-photo img { width: 100%; height: 100%; object-fit: cover; opacity: .3; }
.testi-inner { position: relative; z-index: 2; padding: 88px 24px; max-width: 860px; margin: 0 auto; text-align: center; }
@media (min-width: 768px) { .testi-inner { padding: 110px 44px; } }
.testi-stars { color: var(--c-amber); font-size: .9rem; letter-spacing: 3px; margin-bottom: 28px; }
.testi-quote { font-family: var(--ff-serif); font-size: clamp(1.2rem, 3vw, 1.85rem); font-weight: 300; font-style: italic; color: rgba(255,255,255,.9); line-height: 1.58; margin-bottom: 36px; }
.testi-quote b { font-style: normal; font-weight: 700; color: var(--c-blue-bright); }
.testi-who { display: flex; align-items: center; justify-content: center; gap: 14px; }
.testi-av { width: 46px; height: 46px; border-radius: 50%; display: flex; align-items: center; justify-content: center; color: #fff; font-size: .85rem; font-weight: 700; background: var(--c-blue); border: 2px solid rgba(255,255,255,.3); flex-shrink: 0; }
.testi-name b { display: block; font-size: .95rem; font-weight: 700; color: #fff; }
.testi-name span { font-size: .78rem; color: rgba(255,255,255,.5); }
.testi-dots { display: flex; gap: 6px; justify-content: center; margin-top: 36px; }
.testi-dot { width: 7px; height: 7px; border-radius: 50%; background: rgba(255,255,255,.22); cursor: pointer; transition: all .2s; border: none; }
.testi-dot.active { background: var(--c-blue-bright); width: 22px; border-radius: 4px; }

/* ════════════════════════════════════════════════
   NEWS
════════════════════════════════════════════════ */
.news-section { background: var(--c-surface); }
.news-header { display: flex; flex-direction: column; gap: 8px; margin-bottom: 44px; }
@media (min-width: 768px) { .news-header { flex-direction: row; justify-content: space-between; align-items: flex-end; } }
.news-all { display: inline-flex; align-items: center; gap: 6px; font-size: .87rem; font-weight: 700; color: var(--c-blue); }
.news-all .lucide { width: 15px; height: 15px; transition: transform .2s var(--ease-bounce); }
.news-all:hover .lucide { transform: translateX(3px); }
.news-grid { display: grid; grid-template-columns: 1fr; gap: 16px; }
@media (min-width: 900px) { .news-grid { grid-template-columns: 2fr 1fr 1fr; gap: 20px; align-items: start; } }

.news-card { background: var(--c-paper); border-radius: var(--r-lg); overflow: hidden; text-decoration: none; color: var(--c-ink); display: flex; flex-direction: column; transition: transform var(--dur-base), box-shadow var(--dur-base); }
.news-card:hover { transform: translateY(-3px); box-shadow: var(--sh-card-hover); }
.news-card.featured .nc-thumb { height: 240px; }
@media (min-width: 900px) { .news-card.featured .nc-thumb { height: 280px; } }
.nc-thumb { position: relative; overflow: hidden; height: 180px; background: var(--c-blue-deep); display: flex; align-items: center; justify-content: center; color: rgba(255,255,255,.7); }
.nc-thumb img { width: 100%; height: 100%; object-fit: cover; transition: transform .4s var(--ease-smooth); }
.news-card:hover .nc-thumb img { transform: scale(1.04); }
.nc-thumb-icon { position: absolute; }
.nc-thumb-icon .lucide { width: 32px; height: 32px; }
.nc-body { padding: 20px; flex: 1; display: flex; flex-direction: column; }
.nc-meta { display: flex; align-items: center; gap: 10px; margin-bottom: 10px; }
.nc-cat { font-size: .6rem; font-weight: 700; letter-spacing: .07em; text-transform: uppercase; color: var(--c-blue); background: var(--c-blue-tint-2); padding: 3px 9px; border-radius: var(--r-pill); border: 1px solid var(--c-blue-rim); }
.nc-date { font-size: .72rem; color: var(--c-ink-4); }
.nc-body h3 { font-family: var(--ff-display); font-size: 1.08rem; font-weight: 700; line-height: 1.3; margin-bottom: 8px; letter-spacing: -.01em; }
.news-card.featured .nc-body h3 { font-size: 1.3rem; }
.nc-body p { font-size: .82rem; color: var(--c-ink-3); line-height: 1.55; flex: 1; }
.nc-read { display: inline-flex; align-items: center; gap: 5px; font-size: .78rem; font-weight: 700; color: var(--c-blue); margin-top: 14px; }
.nc-read .lucide { width: 13px; height: 13px; transition: transform .2s var(--ease-bounce); }
.news-card:hover .nc-read .lucide { transform: translateX(3px); }

/* ════════════════════════════════════════════════
   DOWNLOADS
════════════════════════════════════════════════ */
.downloads-section { background: var(--c-paper); }
.dl-grid { display: flex; flex-direction: column; gap: 0; border-top: 1px solid var(--c-border); }
.dl-item { display: flex; align-items: center; gap: 18px; padding: 18px 0; border-bottom: 1px solid var(--c-border); text-decoration: none; color: var(--c-ink); transition: all .15s; }
.dl-item:hover { padding-left: 8px; }
.dl-item-icon { width: 42px; height: 42px; border-radius: 10px; background: var(--c-blue-tint); color: var(--c-blue); display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.dl-item-icon .lucide { width: 19px; height: 19px; }
.dl-item-body { flex: 1; }
.dl-item-body b { display: block; font-weight: 700; font-size: .92rem; }
.dl-item-body span { font-size: .72rem; color: var(--c-ink-4); }
.dl-item-arrow { width: 36px; height: 36px; border-radius: 50%; border: 1.5px solid var(--c-border); display: flex; align-items: center; justify-content: center; color: var(--c-ink-4); flex-shrink: 0; transition: all var(--dur-base); }
.dl-item:hover .dl-item-arrow { background: var(--c-blue); border-color: var(--c-blue); color: #fff; }
.dl-item-arrow .lucide { width: 15px; height: 15px; }

/* ════════════════════════════════════════════════
   CONTACT — dark navy split
════════════════════════════════════════════════ */
.contact-section { background: var(--c-ink-navy); overflow: hidden; }
.contact-split { display: grid; grid-template-columns: 1fr; }
@media (min-width: 900px) { .contact-split { grid-template-columns: 1.1fr 1fr; } }
.contact-left { padding: 64px 32px 64px 24px; display: flex; flex-direction: column; justify-content: center; }
@media (min-width: 768px) { .contact-left { padding: 80px 52px; } }
@media (min-width: 1200px) { .contact-left { padding: 96px 64px 96px 72px; } }
.contact-left h2 { margin-bottom: 14px; }
.contact-left .section-lede { margin-top: 0; margin-bottom: 36px; }
.contact-details { display: flex; flex-direction: column; gap: 16px; margin-bottom: 36px; }
.cd-item { display: flex; align-items: center; gap: 12px; }
.cd-icon { width: 38px; height: 38px; border-radius: 10px; background: rgba(0,191,255,.15); display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.cd-icon .lucide { width: 17px; height: 17px; color: var(--c-blue-bright); }
.cd-text small { display: block; font-size: .62rem; font-weight: 700; letter-spacing: .09em; text-transform: uppercase; color: rgba(255,255,255,.32); margin-bottom: 1px; }
.cd-text b, .cd-text a { font-size: .88rem; font-weight: 600; color: rgba(255,255,255,.85); text-decoration: none; }
.cd-text a:hover { color: var(--acc-dark); }
.contact-ctas { display: flex; flex-wrap: wrap; gap: 10px; }

.contact-right { padding: 48px 24px; background: rgba(0,0,0,.25); display: flex; flex-direction: column; justify-content: center; }
@media (min-width: 768px) { .contact-right { padding: 64px 52px; } }
@media (min-width: 1200px) { .contact-right { padding: 80px 64px; } }
.contact-right h3 { font-family: var(--ff-display); font-size: 1.4rem; font-weight: 700; color: #fff; margin-bottom: 22px; }
.contact-form { display: flex; flex-direction: column; gap: 14px; }
.cf-hp { position: absolute; left: -9999px; width: 1px; height: 1px; opacity: 0; pointer-events: none; }
.cf-field { display: flex; flex-direction: column; gap: 5px; }
.cf-field label { font-size: .72rem; font-weight: 700; letter-spacing: .06em; text-transform: uppercase; color: rgba(255,255,255,.42); }
.cf-field input, .cf-field select, .cf-field textarea { background: rgba(255,255,255,.07); border: 1.5px solid rgba(255,255,255,.14); border-radius: var(--r-md); padding: 12px 16px; color: #fff; font-family: var(--ff-sans); font-size: .88rem; outline: none; transition: border-color .15s; }
.cf-field input::placeholder, .cf-field textarea::placeholder { color: rgba(255,255,255,.28); }
.cf-field input:focus, .cf-field select:focus, .cf-field textarea:focus { border-color: var(--c-blue-bright); }
.cf-field select option { background: var(--c-ink-navy); color: #fff; }
.cf-field textarea { resize: vertical; min-height: 90px; }
.cf-submit { padding-top: 4px; }
.cf-submit .btn { width: 100%; }
.cf-note { font-size: .7rem; color: rgba(255,255,255,.28); text-align: center; margin-top: 8px; }

/* ════════════════════════════════════════════════
   FOOTER
════════════════════════════════════════════════ */
.footer { background: var(--c-ink-navy); color: rgba(255,255,255,.6); padding: 60px 0 32px; }
.footer-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 36px 24px; }
@media (min-width: 900px) { .footer-grid { grid-template-columns: 1.6fr 1fr 1fr 1.2fr; } }
.footer-brand { grid-column: 1 / -1; }
@media (min-width: 900px) { .footer-brand { grid-column: auto; } }
.footer-brand .brand-name { color: #fff; }
.footer-brand > p { font-size: .82rem; line-height: 1.7; max-width: 280px; margin: 16px 0 20px; }
.newsletter { display: flex; gap: 8px; max-width: 320px; margin-bottom: 4px; }
.newsletter input { flex: 1; min-width: 0; padding: 12px 15px; border-radius: 12px; border: 1.5px solid rgba(255,255,255,.14); background: rgba(255,255,255,.06); color: #fff; font-family: var(--ff-sans); font-size: .84rem; outline: none; transition: border-color .15s; }
.newsletter input::placeholder { color: rgba(255,255,255,.3); }
.newsletter input:focus { border-color: var(--c-blue-bright); }
.newsletter button { padding: 12px 16px; border-radius: 12px; background: var(--c-blue); color: #fff; border: none; font-weight: 700; font-size: .82rem; min-height: 44px; cursor: pointer; font-family: var(--ff-sans); }
.footer h4 { font-size: .64rem; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; color: rgba(255,255,255,.32); margin-bottom: 16px; }
.footer-col { display: flex; flex-direction: column; gap: 3px; }
.footer-col a { font-size: .84rem; color: rgba(255,255,255,.6); text-decoration: none; transition: color .15s; padding: 5px 0; }
.footer-col a:hover { color: var(--c-blue-bright); }
.footer-contact-list { display: flex; flex-direction: column; gap: 12px; }
.footer-contact-list div { display: flex; gap: 10px; align-items: flex-start; line-height: 1.5; }
.footer-contact-list .lucide { width: 14px; height: 14px; color: var(--c-blue-bright); margin-top: 2px; flex-shrink: 0; }
.footer-contact-list a { color: rgba(255,255,255,.6); font-size: .83rem; text-decoration: none; }
.footer-contact-list a:hover { color: var(--c-blue-bright); }
.footer-contact-list span { font-size: .83rem; }
.socials { display: flex; gap: 7px; margin-top: 18px; }
.soc { width: 36px; height: 36px; border-radius: 50%; border: 1px solid rgba(255,255,255,.14); display: flex; align-items: center; justify-content: center; color: rgba(255,255,255,.55); text-decoration: none; transition: all .15s; }
.soc:hover { background: var(--c-blue); border-color: var(--c-blue); color: #fff; }
.soc .lucide { width: 15px; height: 15px; }
.footer-bottom { margin-top: 48px; padding-top: 22px; border-top: 1px solid rgba(255,255,255,.07); font-size: .72rem; color: rgba(255,255,255,.32); display: flex; justify-content: space-between; flex-wrap: wrap; gap: 8px; }
.footer-bottom a { color: rgba(255,255,255,.44); text-decoration: none; }
.footer-bottom a:hover { color: rgba(255,255,255,.8); }

/* ─── Keyframes ─── */
@keyframes fadeUp { from { opacity: 0; transform: translateY(16px); } to { opacity: 1; transform: none; } }
@keyframes orb { 0%,100% { transform: translate(0,0) scale(1); } 50% { transform: translate(22px,-18px) scale(1.04); } }
@keyframes pulse { 0%,100% { opacity: 1; } 50% { opacity: .3; } }

body[data-motion="off"] .hero h1,
body[data-motion="off"] .hero-sub,
body[data-motion="off"] .hero-ctas,
body[data-motion="off"] .hero-media { animation: none; }
body[data-motion="off"] .amb { animation: none !important; }

/* ════════════════════════════════════════════════
   NEWS — editorial redesign
════════════════════════════════════════════════ */
.news-featured {
  display: grid; grid-template-columns: 1fr;
  border-radius: var(--r-xl); overflow: hidden;
  background: var(--c-paper); border: 1px solid var(--c-border-2);
  margin-bottom: 20px; text-decoration: none; color: var(--c-ink);
  transition: box-shadow var(--dur-base);
}
@media (min-width: 768px) { .news-featured { grid-template-columns: 1fr 1fr; } }
.news-featured:hover { box-shadow: var(--sh-card-hover); }
.news-featured:hover .nf-img img { transform: scale(1.03); }

.nf-img { position: relative; overflow: hidden; min-height: 240px; }
@media (min-width: 768px) { .nf-img { min-height: 380px; } }
.nf-img img { width: 100%; height: 100%; object-fit: cover; transition: transform .5s var(--ease-smooth); }
.nf-tag {
  position: absolute; top: 18px; left: 18px;
  font-size: .6rem; font-weight: 700; letter-spacing: .08em; text-transform: uppercase;
  background: var(--c-blue); color: #fff; padding: 5px 12px; border-radius: var(--r-pill);
}

.nf-body { padding: 36px 30px 40px; display: flex; flex-direction: column; justify-content: center; }
@media (min-width: 900px) { .nf-body { padding: 44px 48px 52px; } }
.nf-time { font-size: .68rem; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; color: var(--c-ink-4); margin-bottom: 10px; display: block; }
.nf-body h2 { font-family: var(--ff-display); font-size: clamp(1.3rem, 2.4vw, 1.9rem); font-weight: 700; line-height: 1.18; letter-spacing: var(--tracking-tight); margin-bottom: 12px; }
.nf-body > p { font-family: var(--ff-serif); font-weight: 300; font-size: .88rem; color: var(--c-ink-3); line-height: 1.72; margin-bottom: 26px; }

.news-secondary { display: grid; grid-template-columns: 1fr; gap: 16px; }
@media (min-width: 640px) { .news-secondary { grid-template-columns: repeat(3, 1fr); gap: 20px; } }

.ns-card {
  background: var(--c-paper); border: 1px solid var(--c-border-2); border-radius: var(--r-lg);
  padding: 24px 22px; text-decoration: none; color: var(--c-ink);
  display: flex; flex-direction: column; gap: 8px;
  transition: transform var(--dur-base), box-shadow var(--dur-base), border-color var(--dur-base);
}
.ns-card:hover { transform: translateY(-3px); box-shadow: var(--sh-card-hover); border-color: var(--c-blue-rim); }
.ns-card-meta { display: flex; align-items: center; gap: 8px; margin-bottom: 4px; }
.ns-cat { font-size: .58rem; font-weight: 700; letter-spacing: .07em; text-transform: uppercase; color: var(--c-blue); background: var(--c-blue-tint-2); padding: 3px 9px; border-radius: var(--r-pill); border: 1px solid var(--c-blue-rim); }
.ns-cat.green { color: var(--c-green); background: var(--c-green-tint-2); border-color: var(--c-green-rim); }
.ns-date { font-size: .7rem; color: var(--c-ink-4); }
.ns-card h3 { font-family: var(--ff-display); font-size: 1rem; font-weight: 700; line-height: 1.28; letter-spacing: -.01em; }
.ns-card p { font-size: .8rem; color: var(--c-ink-3); line-height: 1.55; flex: 1; }
.ns-read { display: inline-flex; align-items: center; gap: 5px; font-size: .75rem; font-weight: 700; color: var(--c-blue); margin-top: 6px; }
.ns-read .lucide { width: 13px; height: 13px; transition: transform .2s var(--ease-bounce); }
.ns-card:hover .ns-read .lucide { transform: translateX(3px); }

/* ════════════════════════════════════════════════
   PAYMENTS — redesigned two-panel layout
════════════════════════════════════════════════ */
.payments-section { position: relative; overflow: hidden; }
.payments-section::before {
  content: ''; position: absolute; top: -140px; right: -100px; z-index: 0;
  width: 440px; height: 440px; border-radius: 50%; pointer-events: none;
  background: radial-gradient(circle, var(--c-blue-tint-2), transparent 70%);
}

.pm-trust { display: flex; flex-wrap: wrap; gap: 10px; margin-bottom: 40px; position: relative; z-index: 1; }
.pm-trust-item { display: flex; align-items: center; gap: 7px; padding: 8px 16px; border-radius: var(--r-pill); background: var(--c-paper); border: 1px solid var(--c-border-2); font-size: .78rem; font-weight: 600; color: var(--c-ink-2); }
.pm-trust-item .lucide { width: 15px; height: 15px; color: var(--c-blue); }

.pm-grid { display: grid; grid-template-columns: 1fr; gap: 20px; position: relative; z-index: 1; }
@media (min-width: 768px) { .pm-grid { grid-template-columns: 1fr 1fr; gap: 24px; } }

.pm-panel { border-radius: var(--r-2xl); padding: 40px 34px; display: flex; flex-direction: column; gap: 20px; transition: transform .25s var(--ease-spring), box-shadow .25s; }
@media (min-width: 900px) { .pm-panel { padding: 48px 42px; } }
.pm-panel:hover { transform: translateY(-4px); }
.pm-panel-lipa { background: var(--c-ink-navy-2); }
.pm-panel-lipa:hover { box-shadow: 0 24px 55px -22px rgba(0,191,255,.35); }
.pm-panel-mpesa { background: var(--c-ink-navy); border: 1px solid rgba(50,205,50,.22); }
.pm-panel-mpesa:hover { box-shadow: 0 24px 55px -22px rgba(50,205,50,.35); }

.pmp-head { display: flex; align-items: flex-start; gap: 14px; }
.pmp-icon { width: 46px; height: 46px; border-radius: 13px; flex-shrink: 0; display: flex; align-items: center; justify-content: center; background: rgba(0,191,255,.14); color: var(--acc-dark); }
.pmp-icon.mint { background: rgba(50,205,50,.16); color: var(--c-mint); }
.pmp-icon .lucide { width: 21px; height: 21px; }
.pmp-eyebrow { display: block; font-size: .6rem; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; color: rgba(255,255,255,.36); margin-bottom: 4px; }
.pm-panel h3 { font-family: var(--ff-display); font-size: clamp(1.5rem, 2.8vw, 1.9rem); font-weight: 700; color: #fff; letter-spacing: var(--tracking-tight); line-height: 1.1; }
.pm-panel > p { font-size: .86rem; color: rgba(255,255,255,.52); line-height: 1.68; }

.pmp-channels { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; }
.pmp-ch { display: flex; align-items: center; gap: 8px; font-size: .81rem; font-weight: 500; color: rgba(255,255,255,.76); padding: 12px; border-radius: var(--r-md); background: rgba(255,255,255,.04); border: 1px solid rgba(255,255,255,.06); transition: background .2s; }
.pmp-ch:hover { background: rgba(255,255,255,.08); }
.pmp-ch .lucide { width: 14px; height: 14px; color: var(--acc-dark); flex-shrink: 0; }

.pmp-cta { margin-top: auto; padding-top: 4px; }

.pmp-number-card {
  border: 1.5px dashed rgba(50,205,50,.4);
  background: linear-gradient(160deg, rgba(50,205,50,.1), rgba(50,205,50,.02));
  border-radius: var(--r-lg); padding: 4px 22px;
}
.pmp-field { display: flex; flex-direction: column; gap: 5px; padding: 14px 0; }
.pmp-field:first-child { padding-top: 16px; }
.pmp-field:last-child { padding-bottom: 16px; }
.pmp-field + .pmp-field { border-top: 1px dashed rgba(50,205,50,.24); }
.pmp-field-label { font-size: .58rem; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; color: rgba(255,255,255,.32); }
.pmp-field-row { display: flex; align-items: center; justify-content: space-between; gap: 12px; }
.pmp-num { font-size: clamp(2rem, 4vw, 3rem); font-weight: 800; color: var(--c-mint); letter-spacing: .08em; line-height: 1; font-family: var(--ff-sans); font-variant-numeric: tabular-nums; }
.pmp-acct { font-size: .92rem; font-weight: 700; color: rgba(255,255,255,.8); }
.pmp-copy { display: flex; align-items: center; gap: 5px; padding: 9px 16px; background: var(--c-green); color: #fff; border: none; border-radius: var(--r-md); font-size: .72rem; font-weight: 700; cursor: pointer; transition: all .15s; white-space: nowrap; font-family: var(--ff-sans); flex-shrink: 0; }
.pmp-copy:hover { filter: brightness(1.15); transform: translateY(-1px); }
.pmp-copy.copied { background: var(--c-green-deep); }
.pmp-copy .lucide { width: 12px; height: 12px; }

.pmp-steps { display: flex; flex-direction: column; gap: 0; counter-reset: step; }
.pmp-step { display: flex; align-items: flex-start; gap: 12px; font-size: .78rem; color: rgba(255,255,255,.46); line-height: 1.45; counter-increment: step; padding-bottom: 16px; position: relative; }
.pmp-step:last-child { padding-bottom: 0; }
.pmp-step::before { content: counter(step); display: flex; align-items: center; justify-content: center; min-width: 20px; height: 20px; border-radius: 50%; background: rgba(50,205,50,.35); color: rgba(255,255,255,.7); font-size: .62rem; font-weight: 700; margin-top: 1px; position: relative; z-index: 1; }
.pmp-step:not(:last-child)::after { content: ''; position: absolute; left: 9px; top: 20px; width: 1px; height: calc(100% - 4px); background: rgba(50,205,50,.22); }
.pmp-step b { color: rgba(255,255,255,.8); }

/* ════════════════════════════════════════════════
   LOAN PRODUCTS — card grid
════════════════════════════════════════════════ */
.loans-section { background: var(--c-bone); }

.loans-hd {
  display: grid; grid-template-columns: 1fr;
  gap: 20px; margin-bottom: 44px; align-items: end;
}
@media (min-width: 860px) { .loans-hd { grid-template-columns: 1fr 1fr; gap: 48px; } }
.loans-hd .section-lede { margin-top: 0; }

.loans-grid {
  display: grid; grid-template-columns: 1fr;
  margin-bottom: 40px;
}
@media (min-width: 600px) { .loans-grid { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 960px) { .loans-grid { grid-template-columns: repeat(3, 1fr); } }

.loan-card {
  padding: 32px 28px;
  text-decoration: none; color: var(--c-ink);
  display: flex; flex-direction: column; gap: 8px;
  border-bottom: 1px solid var(--c-border);
  transition: background .15s; position: relative;
}
@media (min-width: 600px) { .loan-card:nth-child(2n) { border-right: none; } .loan-card { border-right: 1px solid var(--c-border); } }
@media (min-width: 960px) { .loan-card:nth-child(2n) { border-right: 1px solid var(--c-border); } .loan-card:nth-child(3n) { border-right: none; } }
.loan-card:hover { background: var(--c-paper); }
.loan-card:hover::before {
  content: ''; position: absolute; left: 0; top: 0; bottom: 0;
  width: 2px; background: var(--c-blue);
}
.lc-icon {
  color: var(--c-blue);
  display: flex; align-items: center; justify-content: center;
  width: 22px; height: 22px; margin-bottom: 8px; flex-shrink: 0;
}
.lc-icon .lucide { width: 22px; height: 22px; stroke-width: 1.5; }
.lc-term {
  font-size: .6rem; font-weight: 700;
  letter-spacing: .08em; text-transform: uppercase; color: var(--c-ink-4);
}
.loan-card h3 {
  font-family: var(--ff-display); font-size: 1.12rem; font-weight: 700;
  letter-spacing: -.01em; line-height: 1.2;
}
.loan-card p { font-size: .82rem; color: var(--c-ink-3); line-height: 1.58; flex: 1; }

.loans-foot {
  display: flex; align-items: center; gap: 24px; flex-wrap: wrap;
}
.loans-note {
  display: flex; align-items: center; gap: 7px;
  font-size: .76rem; color: var(--c-ink-4);
}
.loans-note .lucide { width: 13px; height: 13px; flex-shrink: 0; }

/* ════════════════════════════════════════════════
   ABOUT FARIJI DT SACCO
════════════════════════════════════════════════ */
.about-section { background: var(--c-paper); }

.about-body {
  display: grid; grid-template-columns: 1fr;
  gap: 40px; align-items: center; margin-bottom: 60px;
}
@media (min-width: 860px) { .about-body { grid-template-columns: 1fr 1fr; gap: 72px; } }

.about-text .display { margin-bottom: 18px; }
.about-text .section-lede { margin-top: 0; margin-bottom: 30px; }

/* ==================================================
   ABOUT SECTION
================================================== */

.about-section{
    padding:7rem 0;
    background:#fff;
}

.about-grid{
    display:grid;
    gap:5rem;
    align-items:center;
}

@media (min-width:992px){
    .about-grid{
        grid-template-columns:1fr 1fr;
    }
}

/* ==================================================
   IMAGE
================================================== */

.about-image{
    overflow:hidden;
    border-radius:18px;
}

.about-image img{
    width:100%;
    height:100%;
    display:block;
    object-fit:cover;
    transition:transform .7s ease;
}

.about-image:hover img{
    transform:scale(1.04);
}

/* ==================================================
   CONTENT
================================================== */

.about-label{
    display:inline-block;
    margin-bottom:1rem;
    font-size:.8rem;
    font-weight:700;
    letter-spacing:.15em;
    color:var(--c-blue);
}

.about-content h2{
    font-size:clamp(2.5rem,5vw,4.5rem);
    line-height:1.05;
    letter-spacing:-0.03em;
    margin-bottom:1.5rem;
}

.about-content h2 span{
    color:var(--c-blue);
}

.about-intro{
    font-size:1.15rem;
    color:var(--c-ink-2);
    margin-bottom:1.25rem;
    line-height:1.8;
}

.about-content p{
    color:var(--c-ink-3);
    line-height:1.9;
}

/* ==================================================
   STATS
================================================== */

.about-stats{
    display:grid;
    grid-template-columns:repeat(2,1fr);
    gap:2rem;
    margin:3rem 0;
    padding:2rem 0;
    border-top:1px solid var(--c-border);
    border-bottom:1px solid var(--c-border);
}

@media (min-width:768px){
    .about-stats{
        grid-template-columns:repeat(4,1fr);
    }
}

.stat h3{
    font-size:2rem;
    font-weight:700;
    color:var(--c-blue);
    margin-bottom:.25rem;
}

.stat span{
    color:var(--c-ink-3);
    font-size:.9rem;
}

/* ==================================================
   FEATURES
================================================== */

.about-features{
    display:grid;
    grid-template-columns:1fr;
    gap:1rem;
}

@media (min-width:768px){
    .about-features{
        grid-template-columns:1fr 1fr;
    }
}

.feature{
    padding:1.5rem;
    border:1px solid var(--c-border);
    border-radius:12px;
    transition:all .3s ease;
}

.feature:hover{
    border-color:var(--c-blue);
    transform:translateY(-3px);
}

.feature h4{
    margin-bottom:.5rem;
    font-size:1rem;
}

.feature p{
    margin:0;
    font-size:.92rem;
    line-height:1.7;
}

/* ==================================================
   ACTIONS
================================================== */

.about-actions{
    display:flex;
    gap:1rem;
    flex-wrap:wrap;
    margin-top:2.5rem;
}

/* ==================================================
   RESPONSIVE
================================================== */

@media (max-width:768px){

    .about-section{
        padding:5rem 0;
    }

    .about-grid{
        gap:3rem;
    }

    .about-content h2{
        font-size:2.5rem;
    }

}
/* ════════════════════════════════════════════════
   DIGITAL BANKING — card grid
════════════════════════════════════════════════ */
.digital-section { background: var(--c-ink-navy); }

.digital-hd {
  text-align: center; max-width: 620px;
  margin: 0 auto 56px;
}
.digital-hd .section-lede { margin-top: 0; }

.digital-channels {
  display: grid; grid-template-columns: 1fr;
  gap: 2px; background: rgba(255,255,255,.06);
  border: 1px solid rgba(255,255,255,.08);
  border-radius: var(--r-2xl); overflow: hidden;
  margin-bottom: 44px;
}
@media (min-width: 768px) { .digital-channels { grid-template-columns: repeat(3, 1fr); } }

.dch-card {
  background: var(--c-ink-navy);
  padding: 36px 30px;
  display: flex; flex-direction: column; gap: 20px;
  transition: background .2s;
}
.dch-card:hover { background: var(--c-ink-navy-1); }
.dch-card-accent { background: var(--c-ink-navy-1); }
.dch-card-accent:hover { background: var(--c-ink-navy-2); }

.dch-icon {
  width: 52px; height: 52px; border-radius: 14px;
  display: flex; align-items: center; justify-content: center; flex-shrink: 0;
}
.dch-blue { background: rgba(0,191,255,.18); color: var(--c-blue-bright); }
.dch-green { background: rgba(50,205,50,.18); color: var(--c-green-bright); }
.dch-icon .lucide { width: 24px; height: 24px; }

.dch-body { display: flex; flex-direction: column; gap: 10px; }
.dch-body h3 {
  font-family: var(--ff-display); font-size: 1.22rem; font-weight: 700;
  color: #fff; letter-spacing: -.01em; line-height: 1.15;
}
.dch-body p { font-size: .84rem; color: rgba(255,255,255,.5); line-height: 1.68; }

.dch-list {
  display: flex; flex-direction: column; gap: 7px; margin-top: 4px;
  padding-top: 16px; border-top: 1px solid rgba(255,255,255,.07);
}
.dch-list li {
  display: flex; align-items: center; gap: 8px;
  font-size: .8rem; color: rgba(255,255,255,.46); line-height: 1.4;
}
.dch-list .lucide { width: 12px; height: 12px; color: var(--c-blue-bright); flex-shrink: 0; }

.digital-foot {
  display: flex; gap: 12px; flex-wrap: wrap; justify-content: center;
}

/* ════════════════════════════════════════════════
   FAQ — sticky sidebar + accordion list
════════════════════════════════════════════════ */
.faq-section { background: var(--c-surface); }

.faq-layout { display: grid; grid-template-columns: 1fr; gap: 40px; }
@media (min-width: 900px) { .faq-layout { grid-template-columns: 320px 1fr; gap: 64px; align-items: start; } }

.faq-sidebar { display: flex; flex-direction: column; }
@media (min-width: 900px) { .faq-sidebar { position: sticky; top: 110px; } }

.faq-list { display: flex; flex-direction: column; gap: 12px; }

.faq-item {
  background: var(--c-paper); border: 1px solid var(--c-border-2);
  border-radius: var(--r-lg); overflow: hidden;
  transition: border-color .2s, box-shadow .2s, background .2s;
}
.faq-item:hover { border-color: var(--c-blue-rim); }
.faq-item.open { border-color: var(--c-blue-rim); box-shadow: var(--sh-sm); }

.faq-q {
  width: 100%; display: flex; align-items: center; justify-content: space-between;
  gap: 20px; padding: 22px 24px; background: none; border: none; text-align: left;
  font-family: inherit; cursor: pointer; -webkit-tap-highlight-color: transparent;
}
.faq-q h3 {
  font-family: var(--ff-display); font-size: 1.03rem; font-weight: 700;
  letter-spacing: -.01em; color: var(--c-ink); line-height: 1.35; transition: color .2s;
}
.faq-item.open .faq-q h3 { color: var(--c-blue-deep); }

.faq-toggle {
  width: 34px; height: 34px; border-radius: 50%; flex-shrink: 0;
  background: var(--c-blue-tint); color: var(--c-blue);
  display: flex; align-items: center; justify-content: center;
  transition: all .3s var(--ease-spring);
}
.faq-toggle .lucide { width: 16px; height: 16px; transition: transform .3s var(--ease-spring); }
.faq-item.open .faq-toggle { background: var(--c-blue); color: #fff; transform: rotate(45deg); }

.faq-ans { display: grid; grid-template-rows: 0fr; transition: grid-template-rows .4s var(--ease-spring); }
.faq-ans p {
  overflow: hidden; padding: 0 24px; margin: 0;
  font-size: .88rem; color: var(--c-ink-3); line-height: 1.72; opacity: 0;
  transition: opacity .25s ease, padding-bottom .4s var(--ease-spring);
}
.faq-item.open .faq-ans { grid-template-rows: 1fr; }
.faq-item.open .faq-ans p { padding-bottom: 24px; opacity: 1; transition-delay: .08s; }

/* ════════════════════════════════════════════════
   DIGITAL BANKING — mobile feature split + phone mockup
════════════════════════════════════════════════ */
.mf-section { background: var(--c-ink-navy); }
.mf-split { display: grid; grid-template-columns: 1fr; gap: 56px; align-items: center; }
@media (min-width: 960px) { .mf-split { grid-template-columns: 1fr 440px; gap: 64px; } }

.mf-heading {
  font-family: var(--ff-display); font-weight: 700; color: #fff;
  font-size: clamp(1.9rem, 4vw, 2.8rem); line-height: 1.12;
  letter-spacing: var(--tracking-tight); text-wrap: balance; margin-bottom: 16px;
}
.mf-heading em { font-style: italic; color: var(--acc-dark); }

.mf-sub { font-family: var(--ff-serif); font-weight: 300; font-size: 1rem; color: rgba(255,255,255,.6); line-height: 1.75; max-width: 480px; margin-bottom: 36px; }

.mf-feats { display: flex; flex-direction: column; gap: 26px; margin-bottom: 40px; }
.mf-feat { display: flex; gap: 16px; align-items: flex-start; }
.mf-feat-icon { width: 44px; height: 44px; border-radius: 12px; background: rgba(0,191,255,.15); color: var(--c-blue-bright); display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.mf-feat-icon .lucide { width: 20px; height: 20px; }
.mf-feat strong { display: block; font-family: var(--ff-display); font-size: 1.02rem; font-weight: 700; color: #fff; margin-bottom: 5px; }
.mf-feat p { font-size: .84rem; color: rgba(255,255,255,.5); line-height: 1.62; margin: 0; }

.mf-store-btns { display: flex; gap: 12px; flex-wrap: wrap; }
.mf-store-btn { display: flex; align-items: center; gap: 10px; padding: 11px 18px; border-radius: 12px; border: 1.5px solid rgba(255,255,255,.16); background: rgba(255,255,255,.05); color: #fff; text-decoration: none; transition: all .18s; }
.mf-store-btn:hover { background: rgba(255,255,255,.1); border-color: rgba(255,255,255,.3); transform: translateY(-2px); }
.mf-store-btn svg { width: 20px; height: 20px; flex-shrink: 0; }
.mf-store-btn small { display: block; font-size: .6rem; color: rgba(255,255,255,.5); line-height: 1.2; }
.mf-store-btn span { display: block; font-size: .85rem; font-weight: 700; line-height: 1.25; }

/* Phone mockup */
.mf-phone-wrap { position: relative; display: flex; justify-content: center; }
.mf-frame {
  position: relative; width: min(280px, 78vw); aspect-ratio: 9 / 18.5;
  background: linear-gradient(160deg, #0d1f36, #050d1c);
  border-radius: 40px; border: 2px solid rgba(255,255,255,.12);
  box-shadow: 0 30px 70px rgba(0,0,0,.5), 0 0 0 8px rgba(255,255,255,.02) inset;
  padding: 14px; overflow: hidden;
}
.mf-notch { position: absolute; top: 14px; left: 50%; transform: translateX(-50%); width: 90px; height: 22px; background: #050d1c; border-radius: 14px; z-index: 2; }
.mf-screen { position: relative; height: 100%; background: var(--c-ink-navy-2); border-radius: 28px; padding: 40px 16px 16px; display: flex; flex-direction: column; }

.mf-app-hi { font-size: .7rem; color: rgba(255,255,255,.45); }
.mf-app-nm { font-size: 1rem; font-weight: 700; color: #fff; margin-bottom: 16px; }

.mf-bal-card { background: linear-gradient(135deg, var(--c-blue), var(--c-blue-deep)); border-radius: 16px; padding: 16px 18px; margin-bottom: 16px; }
.mf-bal-lbl { font-size: .62rem; font-weight: 600; letter-spacing: .06em; text-transform: uppercase; color: rgba(255,255,255,.7); margin-bottom: 6px; }
.mf-bal-amt { font-size: 1.3rem; font-weight: 800; color: #fff; letter-spacing: -.02em; margin-bottom: 6px; font-variant-numeric: tabular-nums; }
.mf-bal-growth { font-size: .68rem; font-weight: 600; color: var(--c-mint-bright); }

.mf-actions { display: grid; grid-template-columns: repeat(4, 1fr); gap: 8px; margin-bottom: 18px; }
.mf-action { display: flex; flex-direction: column; align-items: center; gap: 6px; }
.mf-action-ico { width: 38px; height: 38px; border-radius: 11px; background: rgba(255,255,255,.08); color: var(--c-blue-bright); display: flex; align-items: center; justify-content: center; }
.mf-action-ico .lucide { width: 16px; height: 16px; }
.mf-action span { font-size: .6rem; color: rgba(255,255,255,.55); font-weight: 600; }

.mf-recent-lbl { font-size: .62rem; font-weight: 700; letter-spacing: .06em; text-transform: uppercase; color: rgba(255,255,255,.32); margin-bottom: 10px; }
.mf-txn { display: flex; align-items: center; gap: 10px; padding: 9px 0; }
.mf-txn-ico { width: 30px; height: 30px; border-radius: 9px; display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.mf-txn-ico.green { background: rgba(50,205,50,.22); color: var(--c-mint-bright); }
.mf-txn-ico.red { background: rgba(220,38,38,.18); color: #f87171; }
.mf-txn-ico .lucide { width: 14px; height: 14px; }
.mf-txn-info { flex: 1; min-width: 0; }
.mf-txn-info strong { display: block; font-size: .76rem; font-weight: 600; color: #fff; }
.mf-txn-info span { font-size: .64rem; color: rgba(255,255,255,.4); }
.mf-txn-amt { font-size: .76rem; font-weight: 700; font-variant-numeric: tabular-nums; }
.mf-txn-amt.green { color: var(--c-mint-bright); }
.mf-txn-amt.red { color: #f87171; }

.mf-notif { position: absolute; top: 8%; right: 4%; display: flex; align-items: center; gap: 10px; background: var(--c-paper); border-radius: 14px; padding: 11px 16px; box-shadow: var(--sh-md); max-width: 220px; animation: fadeUp .6s .4s var(--ease-spring) both; }
.mf-notif-ico { width: 34px; height: 34px; border-radius: 10px; background: var(--c-blue-tint); color: var(--c-blue); display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.mf-notif-ico .lucide { width: 16px; height: 16px; }
.mf-notif-title { font-size: .76rem; font-weight: 700; color: var(--c-ink); }
.mf-notif-sub { font-size: .68rem; color: var(--c-ink-4); }
@media (max-width: 640px) { .mf-notif { display: none; } }