:root{
  --paper:#F6F8FA;
  --paper-2:#FFFFFF;
  --ink:#12181F;
  --slate:#4B5563;
  --line:#E2E7EC;
  --amber:#E23B32;
  --amber-deep:#C22A22;
  --teal:#1E8F8A;
  --teal-light:#E7F5F4;
}

html[data-theme="dark"]{
  --paper:#11151B;
  --paper-2:#1A2029;
  --ink:#F2F4F7;
  --slate:#AEB7C2;
  --line:#2B3340;
  --amber:#FF5B4F;
  --amber-deep:#E23B32;
  --teal:#38C9C0;
  --teal-light:#152826;
}

*{margin:0;padding:0;box-sizing:border-box;}
html{scroll-behavior:smooth;}
body{
  background:var(--paper);
  color:var(--ink);
  font-family:'Inter',sans-serif;
  font-size:18px;
  line-height:1.65;
  -webkit-font-smoothing:antialiased;
  transition:background .25s, color .25s;
}
.wrap{max-width:1120px;margin:0 auto;padding:0 32px;}
h1,h2,h3,h4{font-family:'Sora',sans-serif;color:var(--ink);line-height:1.15;}
a{color:inherit;}
button{font-family:inherit;cursor:pointer;}

.eyebrow{
  font-family:'Inter',sans-serif;
  font-size:18px;
  font-weight:700;
  letter-spacing:0.04em;
  text-transform:uppercase;
  color:var(--amber-deep);
  margin-bottom:20px;
  display:flex;align-items:center;gap:10px;
}
.dot{width:10px;height:10px;border-radius:50%;background:var(--amber);}

/* ---------- NAV ---------- */
nav{
  position:sticky;top:0;z-index:50;
  background:rgba(246,248,250,0.92);
  backdrop-filter:blur(8px);
  border-bottom:1px solid var(--line);
}
html[data-theme="dark"] nav{background:rgba(17,21,27,0.92);}
nav .wrap{display:flex;align-items:center;justify-content:space-between;height:88px;gap:24px;}
.logo-slot{display:flex;align-items:center;gap:12px;}
.nav-right{display:flex;align-items:center;gap:20px;}
.nav-links{display:flex;gap:26px;font-size:18px;font-weight:600;}
.nav-links a{text-decoration:none;color:var(--slate);transition:color .2s;}
.nav-links a:hover{color:var(--ink);}
@media (max-width:920px){.nav-links{display:none;}}

.lang-toggle{
  display:flex;border:2px solid var(--ink);border-radius:999px;overflow:hidden;
}
.lang-toggle button{
  border:none;background:transparent;padding:8px 16px;font-size:16px;font-weight:700;color:var(--ink);
}
.lang-toggle button.active{background:var(--ink);color:var(--paper);}

.theme-toggle{
  border:2px solid var(--ink);border-radius:999px;
  width:44px;height:36px;background:transparent;color:var(--ink);
  font-size:18px;display:flex;align-items:center;justify-content:center;
}

.btn{
  font-size:18px;font-weight:700;
  padding:14px 26px;border-radius:10px;
  text-decoration:none;display:inline-block;border:2px solid var(--ink);
  transition:all .18s;
}
.btn-primary{background:var(--ink);color:var(--paper);}
.btn-primary:hover{background:var(--amber-deep);border-color:var(--amber-deep);color:#fff;}
.btn-ghost{background:transparent;color:var(--ink);}
.btn-ghost:hover{background:var(--ink);color:var(--paper);}

/* ---------- HERO ---------- */
.hero{padding:96px 0 88px;border-bottom:1px solid var(--line);}
.hero h1{font-size:clamp(40px,6vw,68px);max-width:820px;}
.hero h1 .accent{color:var(--amber-deep);}
.hero p.lede{font-size:20px;color:var(--slate);max-width:560px;margin-top:26px;}
.hero .actions{margin-top:40px;display:flex;gap:16px;flex-wrap:wrap;}

/* ---------- SECTION SHARED ---------- */
section{padding:88px 0;border-bottom:1px solid var(--line);}
.section-head{max-width:680px;margin-bottom:52px;}
.section-head h2{font-size:clamp(30px,4vw,42px);}

/* ---------- ABOUT ---------- */
.about-grid{display:grid;grid-template-columns:1.1fr 0.9fr;gap:56px;align-items:start;}
.about-grid p{color:var(--slate);font-size:19px;margin-bottom:18px;}
.about-grid p strong{color:var(--ink);}
.stat-col{display:flex;flex-direction:column;gap:28px;}
.stat{background:var(--paper-2);border:1px solid var(--line);border-radius:14px;padding:22px 24px;}
.stat .num{font-family:'Sora',sans-serif;font-size:32px;color:var(--teal);}
.stat .label{font-size:18px;color:var(--slate);margin-top:6px;font-weight:600;}
@media (max-width:760px){.about-grid{grid-template-columns:1fr;}}

/* ---------- SERVICES ---------- */
.bank{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;}
.tile{
  background:var(--paper-2);border:1px solid var(--line);border-radius:16px;
  padding:30px 26px;transition:transform .2s, box-shadow .2s;
}
.tile:hover{transform:translateY(-3px);box-shadow:0 10px 24px rgba(18,24,31,0.08);}
.tile .ch{font-size:18px;font-weight:700;color:var(--teal);}
.tile h3{font-size:23px;margin:14px 0 10px;}
.tile p{color:var(--slate);font-size:18px;}
.tile.cta-tile{background:var(--teal-light);display:flex;flex-direction:column;justify-content:center;border-color:var(--teal);}
.tile.cta-tile a{color:var(--teal);font-weight:700;text-decoration:none;margin-top:10px;font-size:18px;}
@media (max-width:900px){.bank{grid-template-columns:repeat(2,1fr);}}
@media (max-width:600px){.bank{grid-template-columns:1fr;}}

/* ---------- HOW IT WORKS ---------- */
.steps{display:flex;flex-direction:column;}
.step{display:grid;grid-template-columns:64px 1fr;gap:24px;padding:26px 0;border-top:1px solid var(--line);}
.step:last-child{border-bottom:1px solid var(--line);}
.step .num-mark{
  width:48px;height:48px;border-radius:50%;background:var(--ink);color:var(--paper);
  display:flex;align-items:center;justify-content:center;font-family:'Sora',sans-serif;font-weight:700;font-size:19px;
}
.step h4{font-size:20px;margin-bottom:6px;}
.step p{color:var(--slate);font-size:18px;max-width:560px;}

/* ---------- CONTACT ---------- */
.contact{border-bottom:none;padding-bottom:80px;}
.contact-grid{display:grid;grid-template-columns:1.2fr 0.8fr;gap:56px;}
.contact h2{font-size:clamp(30px,4.5vw,44px);margin-bottom:20px;max-width:520px;}
.contact p.lede{color:var(--slate);font-size:19px;max-width:480px;margin-bottom:32px;}
.contact-list{display:flex;flex-direction:column;gap:14px;}
.contact-list a{
  text-decoration:none;font-size:19px;font-weight:600;
  border:1px solid var(--line);border-radius:12px;padding:16px 20px;
  display:flex;justify-content:space-between;align-items:center;background:var(--paper-2);
}
.contact-list a:hover{border-color:var(--amber);color:var(--amber-deep);}
.contact-list span.k{font-size:18px;color:var(--slate);font-weight:500;}
.qr-box{border:1px solid var(--line);border-radius:16px;padding:26px;background:var(--paper-2);display:flex;flex-direction:column;align-items:center;gap:14px;text-align:center;}
.qr-ph{width:150px;height:150px;border:1px solid var(--line);border-radius:8px;background:linear-gradient(90deg,var(--line) 1px,transparent 1px) 0 0/15px 15px,linear-gradient(var(--line) 1px,transparent 1px) 0 0/15px 15px;}
.qr-box .cap{font-size:18px;font-weight:600;color:var(--slate);}

footer{padding:40px 0;}
footer .wrap{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:16px;}
footer .f-tag{font-size:18px;color:var(--slate);}

@media (max-width:760px){.contact-grid{grid-template-columns:1fr;}.hero{padding:76px 0 60px;}}

/* ---------- AI CHAT WIDGET ---------- */
#chat-bubble{
  position:fixed;bottom:26px;right:26px;z-index:100;
  width:64px;height:64px;border-radius:50%;
  background:var(--ink);color:var(--paper);border:none;
  display:flex;align-items:center;justify-content:center;
  font-size:28px;box-shadow:0 8px 20px rgba(18,24,31,0.28);
}
#chat-panel{
  position:fixed;bottom:104px;right:26px;z-index:100;
  width:min(380px,90vw);max-height:70vh;
  background:var(--paper-2);border:1px solid var(--line);border-radius:16px;
  box-shadow:0 16px 40px rgba(18,24,31,0.22);
  display:none;flex-direction:column;overflow:hidden;
}
#chat-panel.open{display:flex;}
.chat-head{background:var(--ink);color:var(--paper);padding:16px 20px;font-family:'Sora',sans-serif;font-weight:700;font-size:19px;display:flex;justify-content:space-between;align-items:center;}
.chat-head button{background:none;border:none;color:var(--paper);font-size:20px;}
.chat-sub{font-size:16px;font-weight:400;color:var(--slate);margin-top:2px;font-family:'Inter',sans-serif;}
.chat-log{flex:1;overflow-y:auto;padding:18px 20px;display:flex;flex-direction:column;gap:14px;font-size:18px;}
.msg{max-width:88%;padding:12px 16px;border-radius:12px;line-height:1.5;}
.msg.bot{background:var(--paper);align-self:flex-start;}
.msg.user{background:var(--teal-light);align-self:flex-end;}
.chat-input-row{border-top:1px solid var(--line);padding:12px 14px;display:flex;gap:10px;}
.chat-input-row input{flex:1;border:1px solid var(--line);border-radius:10px;padding:12px 14px;font-size:18px;font-family:inherit;background:var(--paper-2);color:var(--ink);}
.chat-input-row button{background:var(--amber-deep);color:#fff;border:none;border-radius:10px;padding:0 18px;font-weight:700;font-size:18px;}
.chat-disclaimer{font-size:14px;color:var(--slate);padding:8px 20px 14px;text-align:center;}