:root {
  --bg: #ffffff;
  --bg-alt: #f5f7fa;
  --bg-dark: #0a1628;
  --text: #0a1628;
  --text-soft: #4a5568;
  --text-muted: #718096;
  --primary: #0066ff;
  --primary-dark: #0052cc;
  --accent: #00d68f;
  --border: #e2e8f0;
  --radius: 10px;
  --shadow: 0 4px 12px rgba(10, 22, 40, 0.06);
  --shadow-lg: 0 12px 32px rgba(10, 22, 40, 0.10);
  --max: 1180px;
  --font: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: var(--font);
  font-size: 16px;
  line-height: 1.6;
  color: var(--text);
  background: var(--bg);
  -webkit-font-smoothing: antialiased;
}

a { color: var(--primary); text-decoration: none; }
a:hover { text-decoration: underline; }

img { max-width: 100%; height: auto; display: block; }

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

/* ===== HEADER ===== */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(255, 255, 255, 0.96);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--border);
}
.nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 16px 0;
}
.logo {
  display: flex;
  align-items: center;
  gap: 10px;
  font-weight: 700;
  font-size: 20px;
  color: var(--text);
  text-decoration: none;
}
.logo:hover { text-decoration: none; }
.logo-mark {
  width: 36px;
  height: 36px;
  border-radius: 8px;
  background: linear-gradient(135deg, var(--primary), var(--accent));
  display: grid;
  place-items: center;
  color: #fff;
  font-weight: 800;
  font-size: 16px;
}
.nav-links {
  display: flex;
  gap: 28px;
  align-items: center;
  list-style: none;
  margin: 0;
  padding: 0;
}
.nav-links a {
  color: var(--text-soft);
  font-weight: 500;
  font-size: 15px;
}
.nav-links a:hover { color: var(--primary); text-decoration: none; }
.nav-links a.active { color: var(--primary); }
.nav-cta {
  background: var(--primary);
  color: #fff !important;
  padding: 9px 18px;
  border-radius: var(--radius);
  font-weight: 600;
}
.nav-cta:hover { background: var(--primary-dark); text-decoration: none; }

.mobile-toggle {
  display: none;
  background: none;
  border: 0;
  font-size: 24px;
  cursor: pointer;
  color: var(--text);
}

@media (max-width: 820px) {
  .nav-links { display: none; }
  .nav-links.open {
    display: flex;
    flex-direction: column;
    position: absolute;
    top: 68px;
    left: 0;
    right: 0;
    background: #fff;
    padding: 20px 24px;
    border-bottom: 1px solid var(--border);
    gap: 16px;
  }
  .mobile-toggle { display: block; }
}

/* ===== HERO ===== */
.hero {
  padding: 80px 0 100px;
  background: linear-gradient(180deg, #f7faff 0%, #ffffff 100%);
}
.hero-grid {
  display: grid;
  grid-template-columns: 1.2fr 1fr;
  gap: 64px;
  align-items: center;
}
.hero h1 {
  font-size: 52px;
  line-height: 1.1;
  margin: 0 0 20px;
  letter-spacing: -0.02em;
  font-weight: 800;
}
.hero h1 .highlight {
  background: linear-gradient(120deg, var(--primary), var(--accent));
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
}
.hero p.lead {
  font-size: 19px;
  color: var(--text-soft);
  margin: 0 0 32px;
  max-width: 540px;
}
.hero-cta {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
}
.hero-illu {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: 16px;
  box-shadow: var(--shadow-lg);
  padding: 28px;
  display: grid;
  gap: 14px;
}
.hero-illu .pay-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 14px 16px;
  background: var(--bg-alt);
  border-radius: 10px;
  font-size: 14px;
}
.hero-illu .pay-row .pm {
  display: flex;
  align-items: center;
  gap: 10px;
  font-weight: 600;
}
.hero-illu .pay-row .badge {
  width: 36px;
  height: 36px;
  border-radius: 8px;
  display: grid;
  place-items: center;
  color: #fff;
  font-weight: 700;
  font-size: 14px;
}
.bg-wave   { background: #1dc4ff; }
.bg-orange { background: #f57c00; }
.bg-mtn    { background: #ffcb05; color: #000; }
.bg-moov   { background: #0d4b9c; }
.bg-visa   { background: #1a1f71; }
.hero-illu .amount { color: var(--accent); font-weight: 700; }

@media (max-width: 820px) {
  .hero { padding: 50px 0 70px; }
  .hero-grid { grid-template-columns: 1fr; gap: 40px; }
  .hero h1 { font-size: 36px; }
  .hero p.lead { font-size: 17px; }
}

/* ===== BUTTONS ===== */
.btn {
  display: inline-block;
  padding: 13px 26px;
  border-radius: var(--radius);
  font-weight: 600;
  font-size: 15px;
  border: 0;
  cursor: pointer;
  transition: all .15s ease;
}
.btn-primary {
  background: var(--primary);
  color: #fff;
}
.btn-primary:hover { background: var(--primary-dark); text-decoration: none; }
.btn-outline {
  background: transparent;
  color: var(--text);
  border: 1.5px solid var(--border);
}
.btn-outline:hover { border-color: var(--primary); color: var(--primary); text-decoration: none; }

/* ===== SECTIONS ===== */
section.block {
  padding: 80px 0;
}
section.block.alt {
  background: var(--bg-alt);
}
.section-head {
  text-align: center;
  max-width: 720px;
  margin: 0 auto 56px;
}
.section-head .eyebrow {
  display: inline-block;
  font-size: 13px;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--primary);
  margin-bottom: 12px;
}
.section-head h2 {
  font-size: 38px;
  margin: 0 0 14px;
  letter-spacing: -0.02em;
  line-height: 1.15;
}
.section-head p {
  font-size: 17px;
  color: var(--text-soft);
  margin: 0;
}

/* ===== FEATURES GRID ===== */
.grid-3 {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.grid-2 {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 24px;
}
@media (max-width: 820px) {
  .grid-3, .grid-2 { grid-template-columns: 1fr; }
  section.block { padding: 56px 0; }
  .section-head h2 { font-size: 28px; }
}

.card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 28px;
  transition: all .2s ease;
}
.card:hover { box-shadow: var(--shadow); border-color: #cbd5e0; }
.card .icon {
  width: 44px;
  height: 44px;
  border-radius: 10px;
  background: linear-gradient(135deg, #e6f0ff, #d6f5ea);
  color: var(--primary);
  display: grid;
  place-items: center;
  font-size: 22px;
  margin-bottom: 16px;
}
.card h3 {
  margin: 0 0 8px;
  font-size: 18px;
}
.card p {
  margin: 0;
  font-size: 15px;
  color: var(--text-soft);
}

/* ===== STATS ===== */
.stats {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 32px;
  text-align: center;
}
.stats .stat .num {
  font-size: 38px;
  font-weight: 800;
  letter-spacing: -0.02em;
  background: linear-gradient(120deg, var(--primary), var(--accent));
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
}
.stats .stat .lbl {
  color: var(--text-soft);
  font-size: 14px;
  margin-top: 4px;
}
@media (max-width: 820px) {
  .stats { grid-template-columns: repeat(2, 1fr); gap: 24px; }
}

/* ===== CTA BAND ===== */
.cta-band {
  background: linear-gradient(135deg, var(--primary), #003d99);
  color: #fff;
  padding: 64px 0;
  text-align: center;
}
.cta-band h2 {
  font-size: 32px;
  margin: 0 0 14px;
  letter-spacing: -0.02em;
}
.cta-band p {
  font-size: 17px;
  opacity: 0.92;
  max-width: 600px;
  margin: 0 auto 28px;
}
.cta-band .btn-primary {
  background: #fff;
  color: var(--primary);
}
.cta-band .btn-primary:hover { background: #f0f4ff; }

/* ===== FOOTER ===== */
.footer {
  background: var(--bg-dark);
  color: #cbd5e0;
  padding: 64px 0 32px;
  font-size: 14px;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1fr;
  gap: 48px;
  margin-bottom: 48px;
}
@media (max-width: 820px) {
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 32px; }
}
.footer h4 {
  color: #fff;
  font-size: 15px;
  margin: 0 0 16px;
}
.footer ul {
  list-style: none;
  padding: 0;
  margin: 0;
}
.footer ul li { margin-bottom: 10px; }
.footer ul a {
  color: #a0aec0;
  text-decoration: none;
}
.footer ul a:hover { color: #fff; }
.footer .brand p {
  margin: 14px 0 16px;
  color: #a0aec0;
  max-width: 320px;
}
.footer .legal {
  border-top: 1px solid #1f2d44;
  padding-top: 24px;
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 16px;
  color: #718096;
  font-size: 13px;
}
.footer .legal a { color: #a0aec0; }

/* ===== INNER PAGE HERO ===== */
.page-hero {
  background: linear-gradient(180deg, #f7faff, #fff);
  padding: 60px 0 50px;
  border-bottom: 1px solid var(--border);
}
.page-hero h1 {
  font-size: 42px;
  margin: 0 0 12px;
  letter-spacing: -0.02em;
}
.page-hero p {
  color: var(--text-soft);
  font-size: 18px;
  max-width: 640px;
  margin: 0;
}
.breadcrumb {
  font-size: 13px;
  color: var(--text-muted);
  margin-bottom: 14px;
}
.breadcrumb a { color: var(--text-muted); }

/* ===== ARTICLE / LEGAL PAGES ===== */
.article {
  padding: 56px 0 80px;
}
.article-body {
  max-width: 820px;
  margin: 0 auto;
}
.article-body h2 {
  font-size: 26px;
  margin: 40px 0 12px;
  letter-spacing: -0.01em;
}
.article-body h3 {
  font-size: 19px;
  margin: 28px 0 10px;
}
.article-body p,
.article-body li {
  font-size: 16px;
  color: var(--text-soft);
}
.article-body ul, .article-body ol { padding-left: 22px; }
.article-body li { margin-bottom: 8px; }
.article-body strong { color: var(--text); }
.article-body .meta {
  background: var(--bg-alt);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 16px 20px;
  font-size: 14px;
  color: var(--text-soft);
  margin-bottom: 32px;
}

/* ===== CONTACT PAGE ===== */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
}
@media (max-width: 820px) {
  .contact-grid { grid-template-columns: 1fr; gap: 32px; }
}
.contact-info .info-item {
  display: flex;
  gap: 16px;
  align-items: flex-start;
  margin-bottom: 24px;
}
.contact-info .info-item .icon {
  width: 44px;
  height: 44px;
  border-radius: 10px;
  background: #e6f0ff;
  color: var(--primary);
  display: grid;
  place-items: center;
  font-size: 18px;
  flex-shrink: 0;
}
.contact-info .info-item h4 {
  margin: 0 0 4px;
  font-size: 15px;
}
.contact-info .info-item p {
  margin: 0;
  color: var(--text-soft);
  font-size: 15px;
}
.form {
  background: var(--bg-alt);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 32px;
}
.form label {
  display: block;
  font-weight: 600;
  font-size: 14px;
  margin-bottom: 6px;
}
.form input,
.form textarea {
  width: 100%;
  padding: 11px 14px;
  border: 1px solid var(--border);
  border-radius: 8px;
  font-family: inherit;
  font-size: 15px;
  margin-bottom: 16px;
  background: #fff;
}
.form input:focus,
.form textarea:focus {
  outline: 2px solid var(--primary);
  outline-offset: -1px;
  border-color: var(--primary);
}
.form textarea { min-height: 130px; resize: vertical; }

/* ===== TOC ===== */
.toc {
  background: var(--bg-alt);
  border-left: 3px solid var(--primary);
  padding: 16px 20px;
  border-radius: 0 8px 8px 0;
  margin-bottom: 32px;
  font-size: 14px;
}
.toc strong { display: block; margin-bottom: 8px; font-size: 13px; text-transform: uppercase; letter-spacing: 0.05em; color: var(--text-muted); }
.toc ol { margin: 0; padding-left: 20px; }
.toc a { color: var(--text-soft); }
</content>
</invoke>