:root {
  --bg: #0f172a;
  --bg-card: #1e293b;
  --bg-card-hover: #263548;
  --accent: #3b82f6;
  --accent-hover: #2563eb;
  --accent-glow: rgba(59,130,246,0.15);
  --green: #10b981;
  --orange: #f97316;
  --text: #f8fafc;
  --text-secondary: #94a3b8;
  --text-muted: #64748b;
  --border: #334155;
  --radius: 10px;
  --max-w: 1140px;
}

* { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, sans-serif;
  background: var(--bg); color: var(--text); line-height: 1.6;
}
a { color: var(--accent); text-decoration: none; }
a:hover { text-decoration: underline; }
img { max-width: 100%; }

/* Nav */
.m-nav {
  position: fixed; top: 0; left: 0; right: 0; z-index: 100;
  background: rgba(15,23,42,0.92); backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--border); padding: 0 2rem; height: 64px;
  display: flex; align-items: center;
}
.m-nav-inner { max-width: var(--max-w); margin: 0 auto; width: 100%; display: flex; align-items: center; }
.m-nav-logo { font-size: 1.25rem; font-weight: 700; color: var(--text); display: flex; align-items: center; gap: 0.5rem; }
.m-nav-logo span { color: var(--accent); }
.m-nav-links { margin-left: auto; display: flex; align-items: center; gap: 1.5rem; }
.m-nav-links a { color: var(--text-secondary); font-size: 0.9rem; font-weight: 500; transition: color 0.15s; }
.m-nav-links a:hover { color: var(--text); text-decoration: none; }
.m-nav-links .btn { margin-left: 0.5rem; }

/* Buttons */
.btn {
  display: inline-block; padding: 0.6rem 1.5rem; border: none; border-radius: var(--radius);
  font-size: 0.95rem; font-weight: 600; cursor: pointer; transition: all 0.15s; text-decoration: none;
}
.btn:hover { text-decoration: none; }
.btn-accent { background: var(--accent); color: #fff; }
.btn-accent:hover { background: var(--accent-hover); transform: translateY(-1px); }
.btn-outline { background: transparent; border: 1px solid var(--border); color: var(--text); }
.btn-outline:hover { border-color: var(--accent); color: var(--accent); }
.btn-lg { padding: 0.85rem 2rem; font-size: 1.1rem; }
.btn-green { background: var(--green); color: #fff; }
.btn-green:hover { background: #059669; }
.btn-orange { background: var(--orange); color: #fff; }
.btn-orange:hover { background: #ea580c; }

/* Sections */
.section { padding: 5rem 2rem; }
.section-narrow { max-width: var(--max-w); margin: 0 auto; }
.section-alt { background: var(--bg-card); }
.section-header { text-align: center; margin-bottom: 3rem; }
.section-header h2 { font-size: 2.25rem; font-weight: 800; margin-bottom: 0.75rem; line-height: 1.2; }
.section-header p { color: var(--text-secondary); font-size: 1.1rem; max-width: 640px; margin: 0 auto; }

/* Hero */
.hero { padding: 8rem 2rem 5rem; text-align: center; }
.hero-inner { max-width: 800px; margin: 0 auto; }
.hero-badge {
  display: inline-block; background: var(--accent-glow); color: var(--accent);
  padding: 0.35rem 1rem; border-radius: 999px; font-size: 0.85rem; font-weight: 600;
  margin-bottom: 1.5rem; border: 1px solid rgba(59,130,246,0.3);
}
.hero h1 { font-size: 3rem; font-weight: 800; line-height: 1.15; margin-bottom: 1.25rem; }
.hero p { font-size: 1.2rem; color: var(--text-secondary); margin-bottom: 2rem; max-width: 600px; margin-left: auto; margin-right: auto; }
.hero-ctas { display: flex; gap: 1rem; justify-content: center; flex-wrap: wrap; }

/* Cards grid */
.cards { display: grid; gap: 1.5rem; }
.cards-2 { grid-template-columns: repeat(2, 1fr); }
.cards-3 { grid-template-columns: repeat(3, 1fr); }
.cards-4 { grid-template-columns: repeat(4, 1fr); }
.card {
  background: var(--bg-card); border: 1px solid var(--border); border-radius: var(--radius);
  padding: 2rem; transition: all 0.2s;
}
.card:hover { border-color: var(--accent); transform: translateY(-2px); box-shadow: 0 8px 30px rgba(0,0,0,0.3); }
.card-icon {
  width: 48px; height: 48px; border-radius: 10px; background: var(--accent-glow);
  display: flex; align-items: center; justify-content: center; margin-bottom: 1rem;
  color: var(--accent); font-size: 1.5rem;
}
.card h3 { font-size: 1.15rem; font-weight: 700; margin-bottom: 0.5rem; }
.card p { color: var(--text-secondary); font-size: 0.9rem; }

/* Steps */
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 2rem; }
.step { text-align: center; }
.step-num {
  width: 56px; height: 56px; border-radius: 50%; background: var(--accent);
  color: #fff; font-size: 1.5rem; font-weight: 800; display: flex; align-items: center;
  justify-content: center; margin: 0 auto 1rem;
}
.step h3 { font-size: 1.1rem; margin-bottom: 0.5rem; }
.step p { color: var(--text-secondary); font-size: 0.9rem; }

/* Money visual */
.money-visual {
  background: var(--bg-card); border: 1px solid var(--border); border-radius: var(--radius);
  padding: 2.5rem; max-width: 600px; margin: 0 auto;
}
.money-row { display: flex; justify-content: space-between; align-items: center; padding: 0.75rem 0; border-bottom: 1px solid var(--border); }
.money-row:last-child { border-bottom: none; }
.money-row .label { color: var(--text-secondary); }
.money-row .amount { font-weight: 700; font-size: 1.1rem; }
.money-row.highlight .amount { color: var(--green); font-size: 1.3rem; }
.money-row.fee .amount { color: var(--text-muted); font-size: 0.95rem; }

/* Segment cards (who it's for) */
.segment-card {
  background: var(--bg-card); border: 1px solid var(--border); border-radius: var(--radius);
  padding: 2.5rem; text-align: center; transition: all 0.2s; display: block; color: var(--text);
}
.segment-card:hover { border-color: var(--accent); transform: translateY(-3px); box-shadow: 0 8px 30px rgba(0,0,0,0.3); text-decoration: none; color: var(--text); }
.segment-card .icon { font-size: 2.5rem; margin-bottom: 1rem; }
.segment-card h3 { font-size: 1.3rem; font-weight: 700; margin-bottom: 0.75rem; }
.segment-card p { color: var(--text-secondary); font-size: 0.95rem; margin-bottom: 1rem; }
.segment-card .link { color: var(--accent); font-weight: 600; }

/* CTA banner */
.cta-banner { text-align: center; padding: 4rem 2rem; }
.cta-banner h2 { font-size: 2rem; font-weight: 800; margin-bottom: 1rem; }
.cta-banner p { color: var(--text-secondary); font-size: 1.1rem; margin-bottom: 2rem; max-width: 500px; margin-left: auto; margin-right: auto; }

/* Footer */
.m-footer {
  border-top: 1px solid var(--border); padding: 3rem 2rem; text-align: center;
  color: var(--text-muted); font-size: 0.85rem;
}
.m-footer-inner { max-width: var(--max-w); margin: 0 auto; }
.m-footer-links { display: flex; justify-content: center; gap: 2rem; margin-bottom: 1.5rem; flex-wrap: wrap; }
.m-footer-links a { color: var(--text-secondary); font-size: 0.85rem; }
.m-footer-links a:hover { color: var(--text); }
.m-footer-brand { margin-bottom: 0.5rem; font-weight: 600; color: var(--text-secondary); }
.m-footer-pw { font-size: 0.8rem; }

/* Problem section */
.problem-list { list-style: none; max-width: 640px; margin: 0 auto; }
.problem-list li {
  padding: 0.85rem 0; border-bottom: 1px solid var(--border); color: var(--text-secondary);
  font-size: 1.05rem; padding-left: 2rem; position: relative;
}
.problem-list li::before { content: "x"; position: absolute; left: 0; color: #ef4444; font-weight: 700; font-size: 1.1rem; }

/* Solution list */
.solution-list { list-style: none; max-width: 640px; margin: 0 auto; }
.solution-list li {
  padding: 0.85rem 0; border-bottom: 1px solid var(--border); color: var(--text);
  font-size: 1.05rem; padding-left: 2rem; position: relative;
}
.solution-list li::before { content: "~"; position: absolute; left: 0; color: var(--green); font-weight: 700; font-size: 1.2rem; }

/* Feature grid */
.features-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 1.25rem; }
.feature { display: flex; gap: 0.75rem; align-items: flex-start; }
.feature-check { color: var(--green); font-weight: 700; font-size: 1.2rem; flex-shrink: 0; margin-top: 0.1rem; }
.feature h4 { font-size: 0.95rem; font-weight: 600; margin-bottom: 0.2rem; }
.feature p { color: var(--text-secondary); font-size: 0.85rem; }

/* Responsive */
@media (max-width: 900px) {
  .cards-3, .cards-4 { grid-template-columns: repeat(2, 1fr); }
  .steps { grid-template-columns: 1fr; gap: 1.5rem; }
  .features-grid { grid-template-columns: 1fr; }
  .hero h1 { font-size: 2.25rem; }
  .section-header h2 { font-size: 1.75rem; }
}
@media (max-width: 600px) {
  .cards-2, .cards-3, .cards-4 { grid-template-columns: 1fr; }
  .m-nav-links a:not(.btn) { display: none; }
  .hero { padding: 6rem 1.25rem 3rem; }
  .hero h1 { font-size: 1.85rem; }
  .section { padding: 3rem 1.25rem; }
}