/* ── FT3 PAY — Global Stylesheet v3 ── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --navy:    #1A2E4A;
  --navy-dk: #0D1B2A;
  --navy-md: #243d5f;
  --blue:    #1F5C99;
  --lblue:   #A0C4E0;
  --gold:    #C8922A;
  --gold-b:  #F0B429;
  --gold-dk: #a87520;
  --red:     #E8362A;
  --white:   #ffffff;
  --off:     #F7F8FA;
  --g100:    #EEF0F4;
  --g200:    #E2E8F0;
  --g400:    #94A3B8;
  --g600:    #64748B;
  --text:    #1E293B;
}

html { scroll-behavior: smooth; }
body { font-family: 'Inter', sans-serif; color: var(--text); background: var(--white); -webkit-font-smoothing: antialiased; }

/* ── LOGO ── */
.logo { display: flex; flex-direction: column; line-height: 1; text-decoration: none; }
.logo-ft3 { font-size: 22px; font-weight: 900; letter-spacing: -1px; color: var(--white); border: 2.5px solid var(--white); border-bottom: none; padding: 1px 5px 0; display: inline-block; }
.logo-pay { font-size: 22px; font-weight: 900; letter-spacing: -1px; color: var(--red); padding: 0 5px; }
.logo-sub { font-size: 7px; font-weight: 600; letter-spacing: 2px; text-transform: uppercase; color: rgba(255,255,255,.38); padding-left: 5px; margin-top: 2px; }

/* ── NAV ── */
nav { position: fixed; top: 0; left: 0; right: 0; z-index: 200; padding: 0 5%; transition: background .3s, box-shadow .3s; }
nav.solid { background: rgba(13,27,42,.97); backdrop-filter: blur(14px); box-shadow: 0 1px 0 rgba(255,255,255,.06); }
.nav-inner { max-width: 1280px; margin: 0 auto; display: flex; align-items: center; justify-content: space-between; height: 68px; }
.nav-links { display: flex; align-items: center; gap: 2px; list-style: none; }
.nav-links > li { position: relative; }
.nav-links a { color: rgba(255,255,255,.72); text-decoration: none; font-size: 14px; font-weight: 500; padding: 8px 13px; border-radius: 6px; transition: color .2s, background .2s; display: flex; align-items: center; gap: 4px; white-space: nowrap; }
.nav-links a:hover, .nav-links a.active { color: var(--white); background: rgba(255,255,255,.07); }
.has-drop:hover .dropdown { opacity: 1; visibility: visible; transform: translateY(0); }
.dropdown { position: absolute; top: calc(100% + 8px); left: -16px; width: 280px; background: var(--navy-dk); border: 1px solid rgba(255,255,255,.1); border-radius: 14px; padding: 10px; opacity: 0; visibility: hidden; transform: translateY(-8px); transition: all .2s; box-shadow: 0 24px 60px rgba(0,0,0,.5); }
.dropdown a { flex-direction: column; gap: 2px; padding: 12px 14px; border-radius: 8px; font-size: 13px; font-weight: 600; background: transparent; transition: background .15s; }
.dropdown a:hover { background: rgba(255,255,255,.07); }
.dropdown a small { color: rgba(255,255,255,.4); font-size: 11px; font-weight: 400; display: block; margin-top: 2px; }
.nav-btn { background: var(--gold) !important; color: var(--navy-dk) !important; font-weight: 700 !important; padding: 9px 18px !important; border-radius: 7px !important; transition: background .2s !important; }
.nav-btn:hover { background: var(--gold-dk) !important; transform: translateY(-1px) !important; }

/* ── BUTTONS ── */
.btn { display: inline-flex; align-items: center; gap: 8px; padding: 14px 28px; border-radius: 8px; font-weight: 700; font-size: 15px; text-decoration: none; transition: all .2s; border: none; cursor: pointer; font-family: 'Inter', sans-serif; }
.btn-gold { background: var(--gold); color: var(--navy-dk); }
.btn-gold:hover { background: var(--gold-dk); transform: translateY(-2px); box-shadow: 0 8px 28px rgba(200,146,42,.35); }
.btn-navy { background: var(--navy); color: var(--white); }
.btn-navy:hover { background: var(--navy-md); transform: translateY(-2px); }
.btn-outline { background: transparent; color: var(--white); border: 1.5px solid rgba(255,255,255,.28); }
.btn-outline:hover { border-color: rgba(255,255,255,.7); background: rgba(255,255,255,.06); }
.btn-outline-dark { background: transparent; color: var(--navy); border: 1.5px solid var(--g200); }
.btn-outline-dark:hover { border-color: var(--navy); background: var(--off); }
.btn-sm { padding: 10px 20px; font-size: 14px; }
.btn-lg { padding: 16px 34px; font-size: 16px; }

/* ── SECTIONS ── */
.section { padding: 96px 5%; }
.section-inner { max-width: 1280px; margin: 0 auto; }
.section-dark { background: var(--navy-dk); }
.section-navy { background: var(--navy); }
.section-off { background: var(--off); }
.section-tag { font-size: 11px; font-weight: 700; letter-spacing: 2.5px; text-transform: uppercase; color: var(--gold); display: block; margin-bottom: 12px; }
.section-tag.lt { color: var(--gold-b); }
.section-h { font-size: clamp(26px, 3.5vw, 44px); font-weight: 800; color: var(--navy); letter-spacing: -1.5px; line-height: 1.1; margin-bottom: 16px; }
.section-h.wh { color: var(--white); }
.section-sub { font-size: 17px; color: var(--g600); line-height: 1.75; max-width: 600px; }
.section-sub.wh { color: rgba(255,255,255,.58); }

/* ── PAGE HERO (inner pages) ── */
.page-hero { background: var(--navy-dk); background-image: radial-gradient(ellipse 70% 50% at 65% 40%, rgba(31,92,153,.28) 0%, transparent 60%); padding: 148px 5% 80px; }
.page-hero-inner { max-width: 1280px; margin: 0 auto; max-width: 860px; }
.eyebrow-pill { display: inline-flex; align-items: center; gap: 8px; background: rgba(200,146,42,.1); border: 1px solid rgba(200,146,42,.25); color: var(--gold-b); font-size: 11px; font-weight: 700; letter-spacing: 2px; text-transform: uppercase; padding: 6px 14px; border-radius: 100px; margin-bottom: 24px; }
.eyebrow-pill span { width: 6px; height: 6px; border-radius: 50%; background: var(--gold-b); animation: pulse 2s infinite; }
@keyframes pulse { 0%,100%{opacity:1}50%{opacity:.3} }
.page-hero h1 { font-size: clamp(36px, 5vw, 60px); font-weight: 800; color: var(--white); letter-spacing: -2.5px; line-height: 1.06; margin-bottom: 20px; }
.page-hero h1 em { font-style: normal; color: var(--gold-b); }
.page-hero p { font-size: 18px; color: rgba(255,255,255,.6); line-height: 1.75; max-width: 620px; margin-bottom: 36px; }
.hero-ctas { display: flex; gap: 14px; flex-wrap: wrap; }

/* ── STATS BAR ── */
.stats-bar { background: var(--navy); }
.stats-bar-inner { max-width: 1280px; margin: 0 auto; display: grid; grid-template-columns: repeat(4, 1fr); }
.stat-item { padding: 30px 36px; border-right: 1px solid rgba(255,255,255,.07); }
.stat-item:last-child { border-right: none; }
.stat-num { font-size: 38px; font-weight: 900; color: var(--gold-b); letter-spacing: -2px; line-height: 1; margin-bottom: 6px; }
.stat-label strong { display: block; font-size: 13px; font-weight: 600; color: rgba(255,255,255,.75); margin-bottom: 2px; }
.stat-label span { font-size: 12px; color: rgba(255,255,255,.38); }

/* ── TWO COL ── */
.two-col { display: grid; grid-template-columns: 1fr 1fr; gap: 80px; align-items: start; }
.two-col.center { align-items: center; }

/* ── PROSE ── */
.prose p { font-size: 16px; line-height: 1.8; color: var(--g600); margin-bottom: 18px; }
.prose p:last-child { margin-bottom: 0; }
.prose p strong { color: var(--navy); font-weight: 700; }

/* ── CHECKLIST ── */
.checklist { list-style: none; display: flex; flex-direction: column; gap: 10px; }
.checklist li { font-size: 14px; color: var(--text); display: flex; align-items: flex-start; gap: 10px; line-height: 1.5; }
.checklist li .ck { width: 18px; height: 18px; border-radius: 50%; background: rgba(200,146,42,.15); display: flex; align-items: center; justify-content: center; flex-shrink: 0; margin-top: 1px; font-size: 10px; font-weight: 800; color: var(--gold); }

/* ── REVEAL ── */
.reveal { opacity: 0; transform: translateY(24px); transition: opacity .65s ease, transform .65s ease; }
.reveal.in { opacity: 1; transform: translateY(0); }
.d1 { transition-delay: .1s; } .d2 { transition-delay: .2s; } .d3 { transition-delay: .3s; }

/* ── CONTACT FORM ── */
.cform { background: rgba(255,255,255,.04); border: 1px solid rgba(255,255,255,.1); border-radius: 20px; padding: 44px; }
.cform h3 { font-size: 20px; font-weight: 700; color: var(--white); margin-bottom: 28px; }
.fg { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; margin-bottom: 14px; }
.ff { display: flex; flex-direction: column; gap: 6px; }
.ff.full { grid-column: 1/-1; }
.ff label { font-size: 11px; font-weight: 600; letter-spacing: .5px; color: rgba(255,255,255,.4); }
.ff input, .ff select, .ff textarea { background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.1); border-radius: 8px; padding: 12px 14px; font-size: 14px; color: var(--white); font-family: 'Inter', sans-serif; outline: none; transition: border-color .2s; }
.ff input::placeholder, .ff textarea::placeholder { color: rgba(255,255,255,.22); }
.ff input:focus, .ff select:focus, .ff textarea:focus { border-color: rgba(200,146,42,.5); }
.ff select option { background: var(--navy-dk); }
.fsub { width: 100%; padding: 15px; background: var(--gold); color: var(--navy-dk); border: none; border-radius: 8px; font-size: 15px; font-weight: 700; cursor: pointer; font-family: 'Inter', sans-serif; transition: background .2s; margin-top: 4px; }
.fsub:hover { background: var(--gold-dk); }

/* ── FAQ ── */
.faq { display: flex; flex-direction: column; }
.faq-item { border-bottom: 1px solid var(--g200); }
.faq-q { display: flex; justify-content: space-between; align-items: center; padding: 20px 0; cursor: pointer; font-size: 15px; font-weight: 600; color: var(--navy); gap: 20px; }
.faq-q .arr { font-size: 20px; color: var(--gold); transition: transform .25s; flex-shrink: 0; }
.faq-item.open .arr { transform: rotate(45deg); }
.faq-a { font-size: 14px; color: var(--g600); line-height: 1.75; padding-bottom: 20px; display: none; }
.faq-item.open .faq-a { display: block; }

/* ── FOOTER ── */
footer { background: var(--navy-dk); border-top: 1px solid rgba(255,255,255,.06); padding: 60px 5% 32px; }
.footer-inner { max-width: 1280px; margin: 0 auto; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 56px; padding-bottom: 44px; border-bottom: 1px solid rgba(255,255,255,.06); margin-bottom: 28px; }
.fb p { font-size: 13px; color: rgba(255,255,255,.32); line-height: 1.75; margin-top: 14px; max-width: 260px; }
.f-h { font-size: 10px; font-weight: 700; letter-spacing: 2.5px; text-transform: uppercase; color: rgba(255,255,255,.28); margin-bottom: 16px; }
.f-links { list-style: none; display: flex; flex-direction: column; gap: 10px; }
.f-links a { font-size: 13px; color: rgba(255,255,255,.42); text-decoration: none; transition: color .2s; }
.f-links a:hover { color: var(--white); }
.footer-bottom { display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 12px; }
.fc { font-size: 11px; color: rgba(255,255,255,.22); line-height: 1.6; }

/* ── RESPONSIVE ── */
@media(max-width:1024px){
  .two-col { grid-template-columns: 1fr; gap: 48px; }
  .stats-bar-inner { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .fb { grid-column: 1/-1; }
}
@media(max-width:640px){
  .section { padding: 64px 5%; }
  .page-hero { padding: 120px 5% 60px; }
  .nav-links { display: none; }
  .stats-bar-inner { grid-template-columns: 1fr 1fr; }
  .fg { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
}