/* ==========================================================
   Jefrz Fintech – site stylesheet
   Colours, fonts and spacing are set once below in :root.
   ========================================================== */

:root {
  --brand-teal: #00747C;     /* company name – keep */
  --teal-dark: #005A61;
  --teal-tint: #E6F2F3;
  --ink: #00525A;            /* headings – deep teal */
  --text: #36626A;           /* body text – teal grey */
  --muted: #5E8187;
  --line: #E1E8EA;
  --bg: #FFFFFF;
  --bg-soft: #F5F8F8;
  --dark: #0B2B33;           /* call-to-action band */
  --radius: 10px;
  --max: 1180px;
  --font: "Inter", "Segoe UI", Arial, sans-serif;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: 140px; -webkit-text-size-adjust: 100%; }
body { margin: 0; font-family: var(--font); font-size: 16px; line-height: 1.65; color: var(--text); background: var(--bg); -webkit-font-smoothing: antialiased; }
img, svg { display: block; max-width: 100%; }
a { color: inherit; text-decoration: none; }
h1, h2, h3, h4 { margin: 0; color: var(--ink); font-weight: 650; line-height: 1.2; letter-spacing: -0.02em; }
p { margin: 0 0 1em; }
p:last-child { margin-bottom: 0; }
ul, ol { margin: 0; padding: 0; }
button, input, select, textarea { font: inherit; color: inherit; }
:focus-visible { outline: 2px solid var(--brand-teal); outline-offset: 3px; border-radius: 4px; }

.container { max-width: var(--max); margin: 0 auto; padding: 0 24px; }
.skip-link { position: fixed; top: -100px; left: 16px; z-index: 100; background: #fff; padding: 10px 16px; border-radius: 6px; box-shadow: 0 2px 10px rgba(0,0,0,.15); }
.skip-link:focus { top: 12px; }

/* ---------- Header ---------- */
.site-header { position: sticky; top: 0; z-index: 50; background: rgba(255,255,255,.96); backdrop-filter: saturate(180%) blur(8px); border-bottom: 1px solid var(--line); }
.header-inner { display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; column-gap: 24px; min-height: 76px; padding-top: 14px; }
.brand { display: flex; align-items: center; gap: 14px; min-width: 0; padding-bottom: 14px; }
.brand img { height: 40px; width: auto; }
.site-header .header-inner { position: relative; }
.brand-name { color: var(--brand-teal); font-weight: 700; font-size: 26px; letter-spacing: .03em; line-height: 40px; white-space: nowrap;
  position: absolute; left: 50%; top: 14px; transform: translateX(-50%); }
.nav { flex-basis: 100%; border-top: 1px solid var(--line); padding: 10px 0; display: flex; align-items: center; gap: 28px; font-size: 15px; font-weight: 500; }
.nav a { color: var(--text); padding: 6px 0; white-space: nowrap; position: relative; transition: color .2s; }
.nav a:hover { color: var(--brand-teal); }
.nav a.active { color: var(--ink); }
.nav a.active::after { content: ""; position: absolute; left: 0; right: 0; bottom: -2px; height: 2px; background: var(--brand-teal); border-radius: 2px; }
.nav .btn { padding: 10px 18px; color: #fff; margin-left: auto; }
.nav .btn:hover { color: #fff; }
.menu-button { display: none; background: none; border: 0; padding: 8px; cursor: pointer; color: var(--ink); }

/* ---------- Buttons & links ---------- */
.btn { display: inline-flex; align-items: center; gap: 10px; padding: 14px 24px; border-radius: 8px; background: var(--brand-teal); color: #fff; font-weight: 600; font-size: 15px; border: 1px solid var(--brand-teal); cursor: pointer; transition: background .2s, border-color .2s, color .2s, transform .1s; }
.btn:hover { background: var(--teal-dark); border-color: var(--teal-dark); }
.btn:active { transform: translateY(1px); }
.btn-outline { background: transparent; color: var(--ink); border-color: #C9D5D8; }
.btn-outline:hover { background: var(--bg-soft); color: var(--ink); border-color: var(--ink); }
.btn-light { background: #fff; color: var(--dark); border-color: #fff; }
.btn-light:hover { background: var(--teal-tint); border-color: var(--teal-tint); color: var(--dark); }
.link-arrow { display: inline-flex; align-items: center; gap: 6px; color: var(--brand-teal); font-weight: 600; font-size: 15px; }
.link-arrow svg { transition: transform .2s; }
.link-arrow:hover svg { transform: translateX(3px); }

/* ---------- Typography helpers ---------- */
.eyebrow { display: inline-block; font-size: 13px; font-weight: 600; letter-spacing: .12em; text-transform: uppercase; color: var(--brand-teal); margin-bottom: 14px; }
.lead { font-size: 19px; line-height: 1.6; color: var(--text); }
.section { padding: 96px 0; }
.section-soft { background: var(--bg-soft); }
.section-head { max-width: 680px; margin-bottom: 52px; }
.section-head h2 { font-size: clamp(28px, 3.2vw, 40px); margin-bottom: 16px; }
.section-head p { font-size: 18px; color: var(--text); }

/* ---------- Hero ---------- */
.hero { padding: 104px 0 96px; background: linear-gradient(180deg, var(--bg-soft) 0%, #fff 100%); border-bottom: 1px solid var(--line); }
.hero h1 { font-size: clamp(38px, 5.2vw, 64px); font-weight: 700; letter-spacing: -0.035em; line-height: 1.08; max-width: 880px; margin-bottom: 24px; }
.hero h1 span { color: var(--brand-teal); }
.hero .lead { max-width: 640px; margin-bottom: 36px; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 14px; }
.trust { display: flex; flex-wrap: wrap; gap: 14px 36px; margin-top: 56px; padding-top: 28px; border-top: 1px solid var(--line); font-size: 15px; color: var(--muted); }
.trust li { list-style: none; display: flex; align-items: center; gap: 10px; }
.trust svg { color: var(--brand-teal); }

/* ---------- Page intro (inner pages) ---------- */
.page-intro { padding: 80px 0 64px; background: var(--bg-soft); border-bottom: 1px solid var(--line); }
.page-intro h1 { font-size: clamp(34px, 4.4vw, 52px); font-weight: 700; letter-spacing: -0.03em; max-width: 820px; margin-bottom: 18px; }
.page-intro .lead { max-width: 660px; }

/* ---------- Cards ---------- */
.grid { display: grid; gap: 24px; }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }
.card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 32px; transition: border-color .2s, box-shadow .2s, transform .2s; }
a.card { display: flex; flex-direction: column; }
a.card:hover { border-color: var(--brand-teal); box-shadow: 0 10px 30px rgba(15,35,41,.07); transform: translateY(-2px); }
.card .num { font-size: 14px; font-weight: 600; color: var(--brand-teal); margin-bottom: 18px; }
.card h3 { font-size: 21px; margin-bottom: 10px; }
.card p { font-size: 15.5px; color: var(--text); }
.card .link-arrow { margin-top: auto; padding-top: 20px; }

/* ---------- Steps ---------- */
.steps { counter-reset: step; }
.step { border-top: 2px solid var(--brand-teal); padding-top: 22px; }
.step .num { font-size: 14px; font-weight: 600; color: var(--brand-teal); margin-bottom: 8px; }
.step h3 { font-size: 19px; margin-bottom: 8px; }
.step p { font-size: 15.5px; }

/* ---------- Split / lists ---------- */
.split { display: grid; grid-template-columns: 1fr 1.1fr; gap: 72px; align-items: start; }
.check-list { list-style: none; }
.check-list li { display: flex; gap: 12px; padding: 12px 0; border-bottom: 1px solid var(--line); font-size: 15.5px; }
.check-list li:last-child { border-bottom: 0; }
.check-list svg { color: var(--brand-teal); margin-top: 4px; flex-shrink: 0; }
.tags { display: flex; flex-wrap: wrap; gap: 10px; }
.tags li { list-style: none; padding: 8px 16px; border-radius: 999px; background: #fff; border: 1px solid var(--line); font-size: 14.5px; color: var(--ink); font-weight: 500; }

/* ---------- Services page ---------- */
.jump-nav { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 32px; }
.jump-nav a { padding: 9px 16px; border-radius: 999px; border: 1px solid #C9D5D8; font-size: 14.5px; font-weight: 500; color: var(--ink); background: #fff; transition: border-color .2s, color .2s; }
.jump-nav a:hover { border-color: var(--brand-teal); color: var(--brand-teal); }
.service { display: grid; grid-template-columns: 1fr 1.2fr; gap: 72px; padding: 72px 0; border-bottom: 1px solid var(--line); scroll-margin-top: 140px; }
.service:last-child { border-bottom: 0; }
.service .num { font-size: 14px; font-weight: 600; color: var(--brand-teal); margin-bottom: 12px; }
.service h2 { font-size: clamp(26px, 2.8vw, 34px); margin-bottom: 16px; }
.service h3 { font-size: 13px; letter-spacing: .1em; text-transform: uppercase; color: var(--muted); font-weight: 600; margin-bottom: 8px; }
.note { margin-top: 24px; padding: 18px 20px; background: var(--bg-soft); border-left: 3px solid var(--brand-teal); border-radius: 0 8px 8px 0; font-size: 13.5px; line-height: 1.6; color: var(--muted); }

/* ---------- About page ---------- */
.facts { list-style: none; border: 1px solid var(--line); border-radius: var(--radius); background: #fff; }
.facts li { display: grid; grid-template-columns: 150px 1fr; gap: 16px; padding: 16px 24px; border-bottom: 1px solid var(--line); font-size: 15px; }
.facts li:last-child { border-bottom: 0; }
.facts span { color: var(--muted); }
.facts strong { color: var(--ink); font-weight: 600; }

/* ---------- Contact page ---------- */
.contact-layout { display: grid; grid-template-columns: 1fr 1.25fr; gap: 64px; align-items: start; }
.contact-list { list-style: none; margin-top: 32px; }
.contact-list li { display: flex; gap: 16px; padding: 20px 0; border-bottom: 1px solid var(--line); }
.contact-list li:first-child { border-top: 1px solid var(--line); }
.contact-list .icon { width: 42px; height: 42px; border-radius: 10px; background: var(--teal-tint); color: var(--brand-teal); display: grid; place-items: center; flex-shrink: 0; }
.contact-list .label { display: block; font-size: 13px; font-weight: 600; letter-spacing: .06em; text-transform: uppercase; color: var(--muted); margin-bottom: 2px; }
.contact-list a, .contact-list p { display: block; color: var(--ink); font-size: 16px; margin: 0; }
.contact-list a:hover { color: var(--brand-teal); }
.form-card { background: #fff; border: 1px solid var(--line); border-radius: 14px; padding: 40px; box-shadow: 0 10px 40px rgba(15,35,41,.06); }
.form-card h2 { font-size: 26px; margin-bottom: 8px; }
.form-card > p { color: var(--muted); font-size: 15px; margin-bottom: 28px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
label { display: block; font-size: 14px; font-weight: 600; color: var(--ink); margin-bottom: 18px; }
label .opt { font-weight: 400; color: var(--muted); }
input, select, textarea { display: block; width: 100%; margin-top: 7px; padding: 12px 14px; font-size: 15px; border: 1px solid #CED9DC; border-radius: 8px; background: #fff; transition: border-color .2s, box-shadow .2s; }
input:focus, select:focus, textarea:focus { outline: none; border-color: var(--brand-teal); box-shadow: 0 0 0 3px rgba(0,116,124,.15); }
textarea { resize: vertical; min-height: 130px; }
.consent { display: flex; gap: 10px; align-items: flex-start; font-size: 13.5px; font-weight: 400; color: var(--text); line-height: 1.55; }
.consent input { width: 17px; height: 17px; margin: 2px 0 0; flex-shrink: 0; accent-color: var(--brand-teal); }
.consent a { color: var(--brand-teal); text-decoration: underline; }
.form-card .btn { width: 100%; justify-content: center; margin-top: 6px; }
.form-hint { font-size: 13px; color: var(--muted); margin-top: 12px; text-align: center; }

/* ---------- Legal pages ---------- */
.legal { max-width: 800px; }
.legal .updated { font-size: 14px; color: var(--muted); margin-bottom: 32px; }
.legal h2 { font-size: 24px; margin: 44px 0 14px; }
.legal p, .legal li { font-size: 16.5px; line-height: 1.75; }
.legal ol, .legal ul { padding-left: 22px; margin-bottom: 1em; }
.legal li { margin-bottom: 10px; }
.legal li::marker { color: var(--brand-teal); font-weight: 600; }
.legal a { color: var(--brand-teal); text-decoration: underline; }

.company-name { color: var(--brand-teal); font-weight: 600; }

/* ---------- CTA band ---------- */
.cta { background: var(--dark); color: #fff; padding: 80px 0; }
.cta-inner { display: flex; align-items: center; justify-content: space-between; gap: 40px; }
.cta h2 { color: #fff; font-size: clamp(28px, 3.2vw, 40px); margin-bottom: 12px; }
.cta p { color: #B9CBD0; font-size: 17px; max-width: 560px; }

/* ---------- Footer ---------- */
.site-footer { background: var(--bg-soft); border-top: 1px solid var(--line); padding: 72px 0 32px; font-size: 15px; }
.footer-grid { display: grid; grid-template-columns: 1.6fr 1fr 1.4fr; gap: 56px; }
.footer-brand img { height: 40px; width: auto; margin-bottom: 18px; }
.footer-brand p { color: var(--text); max-width: 340px; }
.footer-brand .cin { font-size: 13.5px; color: var(--muted); margin-top: 14px; }
.site-footer h4 { font-size: 13px; letter-spacing: .1em; text-transform: uppercase; color: var(--ink); font-weight: 600; margin-bottom: 18px; }
.site-footer ul { list-style: none; }
.site-footer li { margin-bottom: 10px; color: var(--text); }
.site-footer a:hover { color: var(--brand-teal); }
.footer-bottom { display: flex; flex-wrap: wrap; justify-content: space-between; gap: 16px; margin-top: 56px; padding-top: 24px; border-top: 1px solid var(--line); font-size: 13.5px; color: var(--muted); }
.footer-bottom nav { display: flex; flex-wrap: wrap; gap: 24px; }

/* ---------- Responsive ---------- */
@media (max-width: 1024px) {
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .grid-3 { grid-template-columns: repeat(2, 1fr); }
  .split, .service, .contact-layout { gap: 48px; }
}
@media (max-width: 900px) {
  .menu-button { display: block; }
  .nav { display: none; position: absolute; top: 100%; left: 0; right: 0; flex-direction: column; align-items: stretch; gap: 0; background: #fff; border-bottom: 1px solid var(--line); padding: 8px 24px 20px; box-shadow: 0 12px 24px rgba(15,35,41,.08); }
  .nav.open { display: flex; }
  .nav a { padding: 14px 0; border-bottom: 1px solid var(--line); }
  .nav a.active::after { display: none; }
  .header-inner { padding-top: 0; flex-wrap: nowrap; }
  .brand-name { position: static; transform: none; line-height: 1.25; white-space: normal; font-size: 20px; padding-left: 14px; border-left: 1px solid var(--line); }
  .brand { padding-bottom: 0; }
  .nav { flex-basis: auto; border-top: 0; }
  .nav .btn { margin: 14px 0 0; justify-content: center; border-bottom: 0; }
}
@media (max-width: 860px) {
  .split, .service, .contact-layout { grid-template-columns: 1fr; }
  .service { padding: 56px 0; }
  .cta-inner { flex-direction: column; align-items: flex-start; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 40px; }
  .footer-brand { grid-column: 1 / -1; }
}
@media (max-width: 600px) {
  body { font-size: 15.5px; }
  .container { padding: 0 20px; }
  .header-inner { min-height: 66px; }
  .brand img { height: 32px; }
  .header-inner { flex-wrap: wrap; padding-top: 10px; }
  .brand { display: contents; }
  .brand img { order: 1; }
  .menu-button { order: 2; }
  .brand-name { order: 3; flex-basis: 100%; text-align: center; font-size: 19px; white-space: nowrap; border-left: 0; padding: 8px 0 12px; }
  .section { padding: 64px 0; }
  .hero { padding: 64px 0 56px; }
  .lead { font-size: 17px; }
  .grid-2, .grid-3, .grid-4, .form-row { grid-template-columns: 1fr; }
  .card { padding: 26px; }
  .form-card { padding: 26px; }
  .facts li { grid-template-columns: 1fr; gap: 2px; }
  .footer-grid { grid-template-columns: 1fr; }
  .page-intro { padding: 56px 0 44px; }
}
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  * { transition: none !important; }
}


/* ==========================================================
   Burgundy accent for selected text
   ========================================================== */
:root { --burgundy: #800020; }
.eyebrow,
.card .num, .step .num, .service .num,
.card h3, .step h3,
.contact-list .label,
.site-footer h4,
.legal h2 { color: var(--burgundy); }


/* ==========================================================
   Menu colour – deep navy blue so the menu stands apart
   from the teal headings and burgundy accents
   ========================================================== */
:root { --menu: #1F3A6E; }
.nav a { color: var(--menu); }
.nav a:hover { color: var(--brand-teal); }
.nav a.active { color: var(--menu); font-weight: 600; }
.nav .btn, .nav .btn:hover { color: #fff; }