/* ==========================================================================
   Kanzinn for Banks — stylesheet
   Tokens first, then base, layout, components, sections, RTL.
   ========================================================================== */

:root {
  --navy: #16203C;
  --navy-deep: #0D1530;
  --navy-900: #0B1226;
  --navy-1100: #0B1124;
  --ink2: #1F2D52;
  --teal: #15B79E;
  --teal-d: #0E8A77;
  --teal-ink: #06231F;
  --teal-bg: #E9F7F4;
  --teal-bd: #CFEDE7;
  --slate: #5C6679;
  --slate-l: #8A93A6;
  --line: #E6E9F0;
  --line-l: #EEF1F7;
  --bg-alt: #F5F8FC;
  --fill: #F2F5FA;
  --gold: #D8A02C;
  --gold-bg: #FBF3E0;
  --gold-bd: #F0DEB0;
  --gold-ink: #B8841F;
  --muted-d: #9FB0C8;

  --display: 'Space Grotesk', sans-serif;
  --body: 'Plus Jakarta Sans', system-ui, sans-serif;

  --maxw: 1240px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  background: #fff;
  color: var(--navy);
  font-family: var(--body);
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}
img { display: block; max-width: 100%; }
a { color: inherit; }
button { font-family: inherit; }

@keyframes rise { from { opacity: 0; transform: translateY(18px); } to { opacity: 1; transform: translateY(0); } }
@keyframes floaty { 0%, 100% { transform: translateY(0); } 50% { transform: translateY(-9px); } }
@keyframes floaty2 { 0%, 100% { transform: translateY(0); } 50% { transform: translateY(7px); } }
@keyframes pulse { 0%, 100% { opacity: 1; } 50% { opacity: .25; } }

/* --------------------------------------------------------------------------
   Layout primitives
   -------------------------------------------------------------------------- */
.wrap { max-width: var(--maxw); margin: 0 auto; padding: 0 28px; }
.sec { padding: 104px 0; background: #fff; }
.sec--alt { background: var(--bg-alt); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.sec--dark { position: relative; overflow: hidden; background: var(--navy-deep); color: #fff; }

.measure { max-width: 740px; }
.measure--sm { max-width: 720px; }
.measure--lg { max-width: 760px; }

.eyebrow { font-size: 12.5px; font-weight: 700; letter-spacing: .16em; text-transform: uppercase; color: var(--teal-d); }
.sec--dark .eyebrow { color: var(--teal); }
.h2 { font-family: var(--display); margin: 14px 0 0; font-size: clamp(30px, 3.6vw, 46px); line-height: 1.08; letter-spacing: -.03em; font-weight: 700; color: var(--navy-900); }
.sec--dark .h2 { color: #fff; }
.lead { margin: 18px 0 0; font-size: 17.5px; line-height: 1.6; color: var(--slate); }

.grid { display: grid; gap: 18px; }
.g2 { grid-template-columns: repeat(2, 1fr); }
.g3 { grid-template-columns: repeat(3, 1fr); gap: 20px; }
.g4 { grid-template-columns: repeat(4, 1fr); }
.mt48 { margin-top: 48px; }
.mt44 { margin-top: 44px; }

/* --------------------------------------------------------------------------
   Buttons
   -------------------------------------------------------------------------- */
.btn { display: inline-flex; align-items: center; gap: 9px; font-size: 15px; font-weight: 700; padding: 15px 26px; border-radius: 11px; text-decoration: none; border: none; cursor: pointer; white-space: nowrap; transition: transform .2s ease, box-shadow .2s ease, background .2s ease, border-color .2s ease; }
.btn svg { display: block; }
.btn--primary { background: var(--teal); color: var(--teal-ink); box-shadow: 0 12px 28px -14px rgba(21,183,158,.7); }
.btn--primary:hover { transform: translateY(-2px); box-shadow: 0 18px 36px -14px rgba(21,183,158,.85); }
.btn--ghost { background: #fff; color: var(--navy); font-weight: 600; border: 1.5px solid #DCE2EC; }
.btn--ghost:hover { border-color: var(--navy); background: #F7F9FC; }
.btn--dark { background: var(--navy); color: #fff; font-size: 14px; font-weight: 600; padding: 11px 20px; border-radius: 10px; }
.btn--dark:hover { background: var(--navy-deep); transform: translateY(-1px); }
.btn--block { width: 100%; justify-content: center; padding: 16px; }

/* --------------------------------------------------------------------------
   Navigation
   -------------------------------------------------------------------------- */
.nav { position: sticky; top: 0; z-index: 50; background: rgba(255,255,255,0.86); backdrop-filter: saturate(180%) blur(14px); -webkit-backdrop-filter: saturate(180%) blur(14px); border-bottom: 1px solid var(--line-l); transition: box-shadow .3s ease, border-color .3s ease; }
.nav.is-scrolled { box-shadow: 0 8px 30px -18px rgba(11,18,38,.3); border-bottom-color: var(--line); }
.nav__inner { max-width: var(--maxw); margin: 0 auto; padding: 0 28px; height: 72px; display: flex; align-items: center; justify-content: space-between; gap: 24px; }
.brand { display: flex; align-items: center; gap: 11px; text-decoration: none; }
.brand__name { font-family: var(--display); font-size: 22px; font-weight: 700; color: var(--navy); letter-spacing: -.02em; }
.nav__links { display: flex; align-items: center; gap: 32px; }
.navlink { font-size: 14.5px; font-weight: 500; color: #3A4663; text-decoration: none; transition: color .2s; }
.navlink:hover { color: var(--teal); }
.nav__right { display: flex; align-items: center; gap: 14px; }
.langbtn { display: inline-flex; align-items: center; gap: 7px; background: #fff; color: var(--navy); font-size: 13px; font-weight: 700; padding: 9px 14px; border-radius: 10px; border: 1.5px solid #DCE2EC; cursor: pointer; white-space: nowrap; transition: border-color .2s ease, background .2s ease; }
.langbtn:hover { border-color: var(--navy); background: #F7F9FC; }

/* --------------------------------------------------------------------------
   Hero
   -------------------------------------------------------------------------- */
.hero { position: relative; background: #fff; padding: 84px 0 88px; overflow: hidden; }
.hero__bg { position: absolute; inset: 0; background-image: linear-gradient(#0b1226 1px, transparent 1px), linear-gradient(90deg, #0b1226 1px, transparent 1px); background-size: 64px 64px; opacity: .025; pointer-events: none; }
.hero__grid { position: relative; max-width: var(--maxw); margin: 0 auto; padding: 0 28px; display: grid; grid-template-columns: 1.05fr 0.95fr; gap: 56px; align-items: center; }
.badge { display: inline-flex; align-items: center; gap: 9px; padding: 6px 13px; border: 1px solid var(--teal-bd); background: var(--teal-bg); border-radius: 999px; }
.badge__dot { width: 7px; height: 7px; border-radius: 999px; background: var(--teal); }
.badge__txt { font-size: 12px; font-weight: 700; letter-spacing: .04em; color: var(--teal-d); text-transform: uppercase; }
.h1 { font-family: var(--display); margin: 22px 0 0; font-size: clamp(40px, 5.4vw, 68px); line-height: 1.0; letter-spacing: -.035em; font-weight: 700; color: var(--navy-900); }
.h1 .hl { color: var(--teal); }
.hero__lead { margin: 24px 0 0; font-size: 18px; line-height: 1.6; color: var(--slate); max-width: 540px; }
.hero__ctas { display: flex; flex-wrap: wrap; gap: 14px; margin-top: 32px; }
.hero__tags { display: flex; flex-wrap: wrap; align-items: center; gap: 10px; margin-top: 34px; }
.hero__tags-label { font-size: 12px; font-weight: 600; color: var(--slate-l); }
.tag { font-size: 12px; font-weight: 700; color: var(--ink2); background: var(--fill); border: 1px solid var(--line); padding: 6px 13px; border-radius: 8px; }

.hero__visual { position: relative; display: flex; justify-content: center; }
.hero__visual-inner { position: relative; width: 340px; }

/* Hero product card */
.heroCard { position: relative; z-index: 2; border-radius: 26px; padding: 22px; background: linear-gradient(160deg, var(--ink2), var(--navy-deep)); box-shadow: 0 40px 80px -30px rgba(13,21,48,.55); border: 1px solid rgba(255,255,255,0.06); }
.heroCard__head { display: flex; align-items: center; justify-content: space-between; }
.heroCard__brand { display: flex; align-items: center; gap: 9px; }
.heroCard__logo { width: 24px; height: 24px; border-radius: 7px; background: rgba(255,255,255,0.12); border: 1px solid rgba(255,255,255,0.16); display: flex; align-items: center; justify-content: center; }
.heroCard__name { font-size: 12px; font-weight: 700; color: #fff; letter-spacing: .02em; }
.tierPill { font-size: 10px; font-weight: 700; color: #F0C669; background: rgba(216,160,44,.16); padding: 5px 10px; border-radius: 999px; white-space: nowrap; }
.heroCard__avail { font-size: 11px; font-weight: 700; letter-spacing: .1em; color: var(--muted-d); text-transform: uppercase; }
.heroCard__body { margin-top: 24px; }
.heroCard__pts { font-family: var(--display); font-size: 46px; font-weight: 700; color: #fff; letter-spacing: -.02em; line-height: 1; margin-top: 6px; }
.heroCard__redeem { font-size: 12px; color: var(--teal); font-weight: 600; margin-top: 6px; }
.heroCard__stats { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; margin-top: 20px; }
.miniStat { background: rgba(255,255,255,0.05); border: 1px solid rgba(255,255,255,0.07); border-radius: 14px; padding: 12px; }
.miniStat__label { font-size: 10px; color: var(--muted-d); }
.miniStat__val { font-family: var(--display); font-size: 18px; font-weight: 700; color: #fff; }
.heroCard__auto { display: flex; align-items: center; gap: 11px; margin-top: 14px; background: rgba(21,183,158,0.1); border: 1px solid rgba(21,183,158,0.22); border-radius: 14px; padding: 12px 14px; }
.heroCard__auto-icon { width: 34px; height: 34px; border-radius: 10px; background: rgba(21,183,158,0.18); display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.heroCard__auto-t { font-size: 12px; font-weight: 700; color: #fff; }
.heroCard__auto-d { font-size: 10px; color: var(--muted-d); }

/* Floating chips */
.fchip { position: absolute; z-index: 3; background: #fff; border: 1px solid var(--line); border-radius: 14px; box-shadow: 0 22px 44px -18px rgba(11,18,38,.4); display: flex; align-items: center; }
.fchip--earn { top: -18px; right: -26px; padding: 11px 14px; gap: 11px; animation: floaty 4.5s ease-in-out infinite; }
.fchip--reward { bottom: 24px; left: -34px; padding: 11px 13px; gap: 10px; animation: floaty2 5.2s ease-in-out infinite; }
.fchip__badge { width: 34px; height: 34px; border-radius: 10px; display: flex; align-items: center; justify-content: center; font-weight: 800; font-size: 12px; }
.fchip__badge--hm { background: #0F2A4A; color: #fff; }
.fchip__badge--rw { background: var(--gold-bg); color: var(--gold); }
.fchip__kicker { font-size: 10px; font-weight: 700; letter-spacing: .06em; text-transform: uppercase; color: var(--teal-d); }
.fchip__title { font-size: 12px; font-weight: 700; color: var(--navy); }
.fchip__pts { font-family: var(--display); font-size: 17px; font-weight: 700; color: var(--teal-d); }
.fchip__t2 { font-size: 11px; font-weight: 700; color: var(--navy); }
.fchip__d2 { font-size: 10px; color: var(--slate-l); }

/* --------------------------------------------------------------------------
   Stats bar
   -------------------------------------------------------------------------- */
.stats { background: var(--navy-deep); padding: 46px 0; }
.stats__grid { max-width: var(--maxw); margin: 0 auto; padding: 0 28px; display: grid; grid-template-columns: repeat(4, 1fr); gap: 8px; }
.stat { padding: 0 26px; border-right: 1px solid rgba(255,255,255,0.08); }
.stat:last-child { border-right: none; }
.stat__num { font-family: var(--display); font-size: 40px; font-weight: 700; color: var(--teal); letter-spacing: -.02em; }
.stat__txt { font-size: 13.5px; color: var(--muted-d); margin-top: 4px; line-height: 1.45; }

/* --------------------------------------------------------------------------
   Compliance strip
   -------------------------------------------------------------------------- */
.compliance { background: var(--bg-alt); border-bottom: 1px solid var(--line); padding: 26px 0; }
.compliance__inner { max-width: var(--maxw); margin: 0 auto; padding: 0 28px; display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 18px; }
.compliance__text { font-size: 13px; font-weight: 600; color: var(--slate); }
.certs { display: flex; flex-wrap: wrap; gap: 10px; }
.cert { display: inline-flex; align-items: center; gap: 7px; font-size: 12px; font-weight: 700; color: var(--ink2); background: #fff; border: 1px solid var(--line); padding: 8px 13px; border-radius: 9px; }

/* --------------------------------------------------------------------------
   Cards (challenge / triple / generic)
   -------------------------------------------------------------------------- */
.card { background: #fff; border: 1px solid var(--line); border-radius: 16px; padding: 26px; transition: transform .3s ease, box-shadow .3s ease, border-color .3s ease; }
.card:hover { transform: translateY(-5px); box-shadow: 0 28px 50px -28px rgba(11,18,38,.2); border-color: #DCE2EC; }
.card__ic { width: 46px; height: 46px; border-radius: 12px; display: flex; align-items: center; justify-content: center; margin-bottom: 18px; }
.ic-fill { background: var(--fill); }
.ic-teal { background: var(--teal-bg); }
.card__title { font-size: 18px; font-weight: 700; color: var(--navy); margin: 0 0 8px; }
.card__desc { font-size: 14.5px; line-height: 1.55; color: var(--slate); margin: 0; }
.card--dark { position: relative; overflow: hidden; background: linear-gradient(160deg, var(--ink2), var(--navy-deep)); color: #fff; box-shadow: 0 30px 60px -28px rgba(13,21,48,.55); }
.card--dark:hover { transform: none; box-shadow: 0 30px 60px -28px rgba(13,21,48,.55); }
.card--dark .card__title { color: #fff; }
.card--dark .card__desc { color: #C9D2E3; }
.card--dark .card__ic { background: var(--teal); }
.card__blob { position: absolute; top: -30px; right: -30px; width: 120px; height: 120px; border-radius: 999px; background: rgba(21,183,158,0.18); }
.card__inner { position: relative; }

/* Operations large cards */
.card--lg { border-radius: 18px; padding: 30px; }
.card--lg .card__ic { width: 54px; height: 54px; border-radius: 14px; margin-bottom: 22px; }
.card--lg .card__title { font-family: var(--display); font-size: 21px; letter-spacing: -.01em; margin-bottom: 10px; }
.card--lg .card__desc { font-size: 15px; line-height: 1.6; }
.card--lg:hover { box-shadow: 0 30px 56px -30px rgba(11,18,38,.24); }

/* --------------------------------------------------------------------------
   Solution integration cards
   -------------------------------------------------------------------------- */
.flexLabel { font-size: 12px; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; color: var(--ink2); margin-bottom: 16px; }
.icards { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; }
.icard { background: #fff; border: 1px solid var(--line); border-radius: 16px; padding: 24px; transition: transform .25s ease, box-shadow .25s ease; }
.icard:hover { transform: translateY(-4px); box-shadow: 0 24px 44px -26px rgba(11,18,38,.22); }
.icard__ic { width: 44px; height: 44px; border-radius: 11px; background: var(--teal-bg); display: flex; align-items: center; justify-content: center; margin-bottom: 16px; }
.icard__title { font-size: 17px; font-weight: 700; color: var(--navy); }
.icard__desc { font-size: 13.5px; color: var(--slate); line-height: 1.5; margin: 6px 0 0; }
.note { margin: 18px 0 0; font-size: 14px; color: var(--slate-l); }

/* --------------------------------------------------------------------------
   Demo section
   -------------------------------------------------------------------------- */
.demo__head { max-width: 760px; margin-bottom: 52px; }
.demo__grid { display: grid; grid-template-columns: 1fr auto; gap: 56px; align-items: center; }
.steps { display: flex; flex-direction: column; gap: 12px; }
.tryPill { display: inline-flex; align-items: center; gap: 8px; align-self: flex-start; font-size: 12px; font-weight: 700; color: var(--teal-d); background: var(--teal-bg); border: 1px solid var(--teal-bd); padding: 7px 13px; border-radius: 999px; margin-bottom: 6px; }
.tryPill__dot { width: 8px; height: 8px; border-radius: 999px; background: var(--teal); animation: pulse 1.6s ease-in-out infinite; }
.step { display: flex; align-items: flex-start; gap: 15px; padding: 17px; border-radius: 16px; border: 1px solid var(--line); background: #fff; cursor: pointer; transition: all .25s ease; }
.step__n { width: 36px; height: 36px; border-radius: 999px; background: var(--line-l); color: var(--ink2); font-weight: 800; display: flex; align-items: center; justify-content: center; flex-shrink: 0; font-family: var(--display); }
.step__t { font-size: 15.5px; font-weight: 700; color: var(--navy); }
.step__d { font-size: 13.5px; color: var(--slate); margin-top: 3px; line-height: 1.5; }
.step.is-active { background: var(--navy); border-color: var(--navy); }
.step.is-active .step__n { background: var(--teal); color: var(--teal-ink); }
.step.is-active .step__t { color: #fff; }
.step.is-active .step__d { color: #C9D2E3; }

/* Phone */
.phoneWrap { display: flex; justify-content: center; }
.phone { position: relative; width: 322px; background: var(--navy-deep); border-radius: 46px; padding: 12px; box-shadow: 0 50px 90px -34px rgba(13,21,48,.55); border: 1px solid rgba(255,255,255,0.06); }
.phone__notch { position: absolute; top: 12px; left: 50%; transform: translateX(-50%); width: 118px; height: 22px; background: var(--navy-deep); border-radius: 0 0 16px 16px; z-index: 30; }
.phone__device { position: relative; background: var(--bg-alt); border-radius: 36px; overflow: hidden; }
.phone__screen { height: 600px; overflow-y: auto; -ms-overflow-style: none; scrollbar-width: none; background: var(--bg-alt); }
.phone__screen::-webkit-scrollbar { display: none; }
.scrn { display: none; }
.scrn.is-on { display: block; animation: rise .45s cubic-bezier(.2,.7,.2,1) both; }

.scrnHead { background: #fff; padding: 30px 20px 14px; display: flex; align-items: center; justify-content: space-between; position: sticky; top: 0; z-index: 10; }
.scrnHead__title { font-weight: 800; color: var(--navy); font-size: 15px; }
.scrnHead__pts { font-size: 11px; font-weight: 700; color: var(--ink2); }
.scrnHead__back { cursor: pointer; }
.scrnHead__spacer { width: 20px; }

.pad { padding: 16px; display: flex; flex-direction: column; gap: 16px; }
.bell { position: relative; }
.bell__dot { position: absolute; top: -4px; right: -4px; width: 16px; height: 16px; border-radius: 999px; background: #E2540A; color: #fff; font-size: 9px; font-weight: 700; display: flex; align-items: center; justify-content: center; }
.hello__label { font-size: 11px; color: var(--slate-l); }
.hello__name { font-weight: 800; color: var(--navy); font-size: 17px; }

.balCard { border-radius: 20px; padding: 20px; color: #fff; background: linear-gradient(150deg, var(--ink2), var(--navy-deep)); box-shadow: 0 22px 40px -22px rgba(13,21,48,.6); }
.balCard__row { display: flex; justify-content: space-between; align-items: center; }
.balCard__label { font-size: 11px; font-weight: 700; letter-spacing: .08em; color: var(--muted-d); }
.balCard__tier { font-size: 10px; font-weight: 700; padding: 5px 10px; border-radius: 999px; background: rgba(216,160,44,.18); color: #F0C669; white-space: nowrap; }
.balCard__pts { font-family: var(--display); font-size: 38px; font-weight: 700; margin-top: 8px; }
.balCard__cash { font-size: 12px; margin-top: 2px; color: var(--teal); font-weight: 600; }
.balCard__mini { display: grid; grid-template-columns: repeat(3, 1fr); gap: 8px; margin-top: 16px; padding-top: 16px; border-top: 1px solid rgba(255,255,255,0.12); text-align: center; }
.balCard__mini-v { font-family: var(--display); font-size: 17px; font-weight: 700; }
.balCard__mini-l { font-size: 10px; color: var(--muted-d); }

.tiles { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.tile { background: #fff; border-radius: 18px; padding: 16px; text-align: center; cursor: pointer; transition: transform .2s ease; border: 1px solid var(--line-l); }
.tile:active { transform: scale(.97); }
.tile__ic { width: 44px; height: 44px; margin: 0 auto 8px; border-radius: 999px; display: flex; align-items: center; justify-content: center; }
.tile__ic--teal { background: var(--teal-bg); }
.tile__ic--fill { background: var(--fill); }
.tile__label { font-size: 13px; font-weight: 700; color: var(--navy); }

.promo { border-radius: 18px; padding: 16px; color: #fff; display: flex; align-items: center; gap: 12px; background: linear-gradient(135deg, var(--teal-d), var(--teal)); }
.promo__ic { width: 40px; height: 40px; border-radius: 999px; display: flex; align-items: center; justify-content: center; flex-shrink: 0; background: rgba(255,255,255,0.2); }
.promo__t { font-weight: 700; font-size: 13.5px; }
.promo__d { font-size: 11px; color: var(--teal-bg); }

.glist { padding: 16px; display: flex; flex-direction: column; gap: 12px; }
.redeemedBody { display: flex; flex-direction: column; align-items: center; justify-content: center; text-align: center; padding: 0 24px; height: 600px; }

.histStats { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.histStat { background: #fff; border-radius: 16px; padding: 13px; text-align: center; border: 1px solid var(--line-l); }
.histStat__l { font-size: 11px; color: var(--slate-l); }
.histStat__v { font-family: var(--display); font-size: 22px; font-weight: 700; }
.histStat__v--earn { color: var(--teal-d); }
.histStat__v--red { color: #D9531E; }
.histList { display: flex; flex-direction: column; gap: 10px; }

.earnNote { position: absolute; left: 12px; right: 12px; top: 10px; background: #fff; border-radius: 16px; box-shadow: 0 18px 38px -12px rgba(11,18,38,.42); padding: 13px 14px; transform: translateY(-160%); opacity: 0; transition: transform .5s cubic-bezier(.2,.8,.2,1), opacity .4s ease; z-index: 50; }
.toast { position: absolute; left: 50%; bottom: 18px; transform: translateX(-50%) translateY(16px); color: #fff; font-size: 13px; font-weight: 700; padding: 10px 18px; border-radius: 999px; opacity: 0; pointer-events: none; transition: all .3s ease; z-index: 40; box-shadow: 0 12px 30px -10px rgba(0,0,0,.4); white-space: nowrap; background: var(--teal-d); }

/* --------------------------------------------------------------------------
   Why Kanzinn (dark)
   -------------------------------------------------------------------------- */
.dark__blob { position: absolute; top: -60px; right: -80px; width: 420px; height: 420px; border-radius: 999px; background: rgba(21,183,158,0.07); }
.dark__inner { position: relative; max-width: var(--maxw); margin: 0 auto; padding: 0 28px; }
.wcard { background: rgba(255,255,255,0.04); border: 1px solid rgba(255,255,255,0.08); border-radius: 18px; padding: 30px; }
.wcard__ic { width: 52px; height: 52px; border-radius: 14px; background: var(--teal); display: flex; align-items: center; justify-content: center; margin-bottom: 22px; }
.wcard__title { font-family: var(--display); font-size: 20px; font-weight: 700; margin: 0 0 10px; color: #fff; }
.wcard__desc { font-size: 14.5px; line-height: 1.6; color: var(--muted-d); margin: 0; }
.impact { margin-top: 56px; padding-top: 44px; border-top: 1px solid rgba(255,255,255,0.1); }
.impact__label { font-size: 12.5px; font-weight: 700; letter-spacing: .16em; text-transform: uppercase; color: var(--teal); margin-bottom: 28px; }
.impact__grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.impact__ic { width: 46px; height: 46px; border-radius: 12px; background: rgba(21,183,158,0.16); display: flex; align-items: center; justify-content: center; margin-bottom: 14px; }
.impact__t { font-family: var(--display); font-weight: 700; color: var(--teal); font-size: 16px; }
.impact__d { font-size: 13.5px; color: var(--muted-d); margin-top: 4px; }

/* --------------------------------------------------------------------------
   Journey
   -------------------------------------------------------------------------- */
.jcards { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; }
.jcard { background: #fff; border: 1px solid var(--line); border-radius: 18px; padding: 26px; transition: transform .3s ease, box-shadow .3s ease; }
.jcard:hover { transform: translateY(-5px); box-shadow: 0 28px 50px -28px rgba(11,18,38,.22); }
.jnum { width: 52px; height: 52px; border-radius: 999px; color: #fff; font-family: var(--display); font-weight: 700; font-size: 19px; display: flex; align-items: center; justify-content: center; margin-bottom: 20px; }
.jnum--1 { background: var(--navy); }
.jnum--2 { background: var(--teal-d); }
.jnum--3 { background: var(--teal); color: var(--teal-ink); }
.jnum--4 { background: var(--gold); color: #1A1206; }
.jcard__title { font-family: var(--display); font-size: 18px; font-weight: 700; color: var(--navy); margin: 0 0 4px; }
.jcard__kicker { font-size: 11.5px; font-weight: 700; letter-spacing: .04em; text-transform: uppercase; color: var(--teal-d); margin-bottom: 8px; }
.jcard__desc { font-size: 13.5px; line-height: 1.55; color: var(--slate); margin: 0; }
.jcard--gold { background: linear-gradient(160deg, var(--ink2), var(--navy-deep)); color: #fff; box-shadow: 0 30px 60px -28px rgba(13,21,48,.55); }
.jcard--gold:hover { transform: none; }
.jcard--gold .jcard__title { color: #fff; }
.jcard--gold .jcard__kicker { color: var(--teal); }
.jcard--gold .jcard__desc { color: #C9D2E3; }

/* --------------------------------------------------------------------------
   Triple rewards
   -------------------------------------------------------------------------- */
.tbands { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; margin-top: 44px; }
.tband { border-radius: 18px; padding: 24px; }
.tband--bank { background: var(--fill); border: 1px solid var(--line); }
.tband--merchant { background: var(--teal-bg); border: 1px solid var(--teal-bd); }
.tband--mfr { background: var(--gold-bg); border: 1px solid var(--gold-bd); }
.tband__label { font-size: 12px; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; }
.tband--bank .tband__label { color: var(--ink2); }
.tband--merchant .tband__label { color: var(--teal-d); }
.tband--mfr .tband__label { color: var(--gold-ink); }
.tband__val { font-family: var(--display); font-size: 28px; font-weight: 700; color: var(--navy); margin-top: 4px; }
.tcards { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; margin-top: 18px; }
.tcard { background: #fff; border: 1px solid var(--line); border-radius: 16px; padding: 24px; transition: transform .3s ease, box-shadow .3s ease; }
.tcard:hover { transform: translateY(-4px); box-shadow: 0 24px 44px -26px rgba(11,18,38,.2); }
.tcard__title { font-size: 16px; font-weight: 700; color: var(--navy); margin: 0 0 8px; }
.tcard__desc { font-size: 13.5px; line-height: 1.55; color: var(--slate); margin: 0; }

/* --------------------------------------------------------------------------
   Contact
   -------------------------------------------------------------------------- */
.contact__grid { max-width: var(--maxw); margin: 0 auto; padding: 0 28px; display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: start; }
.checks { display: flex; flex-direction: column; gap: 18px; margin-top: 34px; }
.check { display: flex; align-items: flex-start; gap: 15px; }
.check__ic { width: 38px; height: 38px; border-radius: 999px; display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.check__ic--1 { background: var(--navy); }
.check__ic--2 { background: var(--teal); }
.check__ic--3 { background: var(--gold); }
.check__t { font-weight: 700; color: var(--navy); font-size: 15.5px; }
.check__d { font-size: 14px; color: var(--slate); margin-top: 2px; }

.form { background: #fff; border-radius: 24px; box-shadow: 0 40px 80px -36px rgba(11,18,38,.3); padding: 36px; border: 1px solid var(--line); }
.form__title { font-family: var(--display); font-size: 22px; font-weight: 700; color: var(--navy); margin: 0 0 22px; letter-spacing: -.01em; }
.form__fields { display: flex; flex-direction: column; gap: 18px; }
.field label { display: block; font-size: 13.5px; font-weight: 700; color: var(--navy); margin-bottom: 7px; }
.input { width: 100%; padding: 13px 15px; border: 1.5px solid var(--line); border-radius: 11px; font-family: inherit; font-size: 15px; color: var(--navy); background: #fff; outline: none; transition: border-color .15s ease, box-shadow .15s ease; }
textarea.input { resize: vertical; }
.input:focus { border-color: var(--teal); box-shadow: 0 0 0 4px rgba(21,183,158,0.14); }
.form__note { font-size: 12.5px; color: var(--slate-l); text-align: center; margin: 0; }

/* --------------------------------------------------------------------------
   Footer
   -------------------------------------------------------------------------- */
.footer { background: var(--navy-1100); color: #fff; padding: 72px 0 32px; }
.footer__inner { max-width: var(--maxw); margin: 0 auto; padding: 0 28px; }
.footer__top { display: grid; grid-template-columns: 1.4fr 2fr; gap: 48px; padding-bottom: 44px; border-bottom: 1px solid rgba(255,255,255,0.1); }
.footer__brand { display: flex; align-items: center; gap: 11px; margin-bottom: 16px; }
.footer__brand-name { font-family: var(--display); font-size: 21px; font-weight: 700; }
.footer__desc { font-size: 14.5px; line-height: 1.6; color: var(--muted-d); margin: 0 0 22px; max-width: 340px; }
.social { display: flex; align-items: center; gap: 9px; }
.soc { width: 36px; height: 36px; border-radius: 999px; background: rgba(255,255,255,0.08); display: flex; align-items: center; justify-content: center; transition: background .2s; }
.soc:hover { background: var(--teal); }
.fcols { display: grid; grid-template-columns: repeat(3, 1fr); gap: 32px; }
.fcol__h { font-weight: 700; font-size: 14px; margin-bottom: 16px; }
.fcol__links { display: flex; flex-direction: column; gap: 10px; }
.fcol__links a { font-size: 14px; color: var(--muted-d); text-decoration: none; transition: color .2s; }
.fcol__links a:hover { color: #fff; }
.footer__bottom { padding-top: 30px; display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 16px; font-size: 13.5px; color: var(--muted-d); }
.footer__legal { display: flex; align-items: center; gap: 26px; }
.footer__legal a { color: var(--muted-d); text-decoration: none; transition: color .2s; }
.footer__legal a:hover { color: #fff; }

/* --------------------------------------------------------------------------
   RTL / Arabic
   -------------------------------------------------------------------------- */
[dir="rtl"] { font-family: 'Tajawal', var(--body); }
[dir="rtl"] .h1, [dir="rtl"] .h2, [dir="rtl"] .brand__name, [dir="rtl"] .form__title,
[dir="rtl"] .jcard__title, [dir="rtl"] .wcard__title, [dir="rtl"] .card--lg .card__title,
[dir="rtl"] .balCard__pts, [dir="rtl"] .heroCard__pts, [dir="rtl"] button,
[dir="rtl"] input, [dir="rtl"] select, [dir="rtl"] textarea {
  font-family: 'Tajawal', var(--body) !important;
}
[dir="rtl"] .h1, [dir="rtl"] .h2 { letter-spacing: 0 !important; }
[dir="rtl"] .stat { border-right: none; border-left: 1px solid rgba(255,255,255,0.08); }
[dir="rtl"] .stat:last-child { border-left: none; }
[dir="rtl"] .hero__lead { margin-left: 0; }

/* --------------------------------------------------------------------------
   Responsive
   -------------------------------------------------------------------------- */
@media (max-width: 1080px) {
  .hero__grid { grid-template-columns: 1fr; }
  .hero__visual { justify-content: center; margin-top: 24px; }
  .demo__grid { grid-template-columns: 1fr; gap: 40px; }
  .phoneWrap { justify-content: center; }
  .g4, .icards, .jcards, .impact__grid, .tcards { grid-template-columns: repeat(2, 1fr); }
  .g3 { grid-template-columns: 1fr; }
  .contact__grid { grid-template-columns: 1fr; gap: 40px; }
  .footer__top { grid-template-columns: 1fr; }
  .nav__links { display: none; }
}

/* Tablet / large phone */
@media (max-width: 760px) {
  .sec { padding: 72px 0; }
  .wrap { padding: 0 20px; }
  .hero { padding: 56px 0 64px; }
  .hero__grid { padding: 0 20px; gap: 28px; }
  .hero__lead { font-size: 16.5px; }
  .stats { padding: 36px 0; }
  .stats__grid { grid-template-columns: repeat(2, 1fr); gap: 24px 0; padding: 0 20px; }
  .stat { padding: 0 16px; }
  .stat:nth-child(2) { border-right: none; }
  .compliance__inner { padding: 0 20px; }
  .g4, .icards, .jcards, .impact__grid, .tcards, .tbands, .g2 { grid-template-columns: 1fr; }
  .contact__grid { padding: 0 20px; }
  .dark__inner { padding: 0 20px; }
  .stats__grid { padding: 0 20px; }
  .form { padding: 26px; }
}

/* Small phone */
@media (max-width: 480px) {
  .nav__inner { padding: 0 16px; height: 64px; gap: 12px; }
  .brand__name { font-size: 19px; }
  .langbtn { padding: 8px 11px; font-size: 12px; }
  .nav__cta { padding: 9px 14px; font-size: 13px; }
  .wrap { padding: 0 16px; }
  .hero { padding: 40px 0 52px; }
  .hero__grid { padding: 0 16px; }
  .h1 { font-size: clamp(32px, 11vw, 44px); }
  .hero__ctas { gap: 10px; }
  .hero__ctas .btn { flex: 1 1 auto; justify-content: center; }
  .hero__visual-inner { width: 300px; max-width: 100%; }
  .fchip--earn { right: -8px; top: -14px; }
  .fchip--reward { left: -8px; }
  .stats__grid { grid-template-columns: 1fr; gap: 22px; padding: 0 16px; }
  .stat { padding: 0; border-right: none; }
  .sec { padding: 60px 0; }
  .compliance__inner { padding: 0 16px; }
  .h2 { font-size: clamp(26px, 8vw, 34px); }
  .lead { font-size: 16px; }
  .phone { width: 100%; max-width: 330px; }
  .form { padding: 22px; border-radius: 18px; }
  .dark__inner, .contact__grid, .stats__grid { padding-left: 16px; padding-right: 16px; }
  .footer__inner { padding: 0 16px; }
  .footer__bottom { flex-direction: column; align-items: flex-start; gap: 12px; }
  .fcols { grid-template-columns: 1fr 1fr; gap: 24px; }
}