:root {
  --navy: #0f1729;
  --navy-2: #141d34;
  --accent: #3FA9C9;
  --accent-dark: #2f8ba7;
  --text-light: #e7ecf3;
  --text-muted: #9aa5bd;
  --text-body: #4b5468;
  --border: #e5e8ef;
  --radius: 12px;
  --container: 1160px;
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
  margin: 0;
  font-family: "Segoe UI", "Helvetica Neue", Arial, sans-serif;
  color: var(--text-body);
  background: #fff;
  -webkit-font-smoothing: antialiased;
}

.container {
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 clamp(20px, 4vw, 32px);
}

a { text-decoration: none; color: inherit; }
h1, h2, h3 { margin: 0; color: #fff; text-wrap: balance; }
p { margin: 0; }

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

.btn {
  display: inline-block;
  padding: 12px 26px;
  border-radius: 8px;
  font-weight: 600;
  font-size: 0.95rem;
  cursor: pointer;
  border: none;
  transition: background 0.15s ease, transform 0.1s ease;
}

.btn-primary {
  background: var(--accent);
  color: #fff;
}

.btn-primary:hover {
  background: var(--accent-dark);
}

.hero-ctas {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  scroll-margin-top: 90px;
}

.bank-btn {
  display: flex;
  align-items: center;
  gap: 12px;
  background: #fff;
  border-radius: 14px;
  padding: 10px 16px 10px 10px;
  min-width: 200px;
  box-shadow: 0 10px 24px -10px rgba(0,0,0,0.4);
  transition: transform 0.15s ease, box-shadow 0.15s ease;
}

.bank-btn:hover {
  transform: translateY(-2px);
  box-shadow: 0 14px 30px -12px rgba(0,0,0,0.5);
}

.bank-icon {
  flex: none;
  width: 36px;
  height: 36px;
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  overflow: hidden;
}

.bank-icon img {
  width: 100%;
  height: 100%;
  object-fit: contain;
}

.bank-icon.tbc {
  background: #eaf3ff;
  padding: 7px;
}

.bank-name {
  flex: 1;
  font-weight: 700;
  font-size: 0.92rem;
  color: #1b2233;
}

.bank-chevron {
  color: #b7bdc9;
  font-size: 1.2rem;
  line-height: 1;
}

.hero-text p.hero-secure {
  display: flex;
  align-items: center;
  gap: 7px;
  margin-top: 16px;
  color: #7c869e;
  font-size: 0.78rem;
}

.hero-secure svg { flex: none; }

@keyframes bank-pulse {
  0%, 100% { box-shadow: 0 10px 24px -10px rgba(0,0,0,0.4); }
  25% { box-shadow: 0 0 0 5px rgba(63,169,201,0.55), 0 10px 24px -10px rgba(0,0,0,0.4); }
  55% { box-shadow: 0 0 0 9px rgba(63,169,201,0), 0 10px 24px -10px rgba(0,0,0,0.4); }
}

.bank-btn.pulse {
  animation: bank-pulse 1s ease-out 2;
}

@media (prefers-reduced-motion: reduce) {
  .bank-btn.pulse { animation: none; }
}

/* Support widget */

.support-widget {
  position: fixed;
  right: 20px;
  bottom: 20px;
  z-index: 200;
}

.support-bubble {
  width: 56px;
  height: 56px;
  border-radius: 50%;
  background: var(--accent);
  border: none;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 10px 24px -8px rgba(0,0,0,0.45);
  transition: transform 0.15s ease, background 0.15s ease;
}

.support-bubble:hover {
  background: var(--accent-dark);
  transform: translateY(-2px);
}

.support-panel {
  position: absolute;
  bottom: 72px;
  right: 0;
  width: min(280px, calc(100vw - 40px));
  background: #fff;
  border-radius: 14px;
  box-shadow: 0 20px 45px -15px rgba(0,0,0,0.4);
  overflow: hidden;
  opacity: 0;
  transform: translateY(12px) scale(0.96);
  pointer-events: none;
  transition: opacity 0.18s ease, transform 0.18s ease;
}

.support-panel.open {
  opacity: 1;
  transform: translateY(0) scale(1);
  pointer-events: auto;
}

.support-panel-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 12px 16px;
  background: var(--navy);
  color: #fff;
  font-weight: 700;
  font-size: 0.92rem;
}

.support-close {
  background: none;
  border: none;
  color: #fff;
  font-size: 1.3rem;
  line-height: 1;
  cursor: pointer;
  padding: 0 4px;
}

.support-panel-body {
  display: flex;
  flex-direction: column;
  gap: 14px;
  padding: 16px;
}

.support-panel-body p {
  margin: 0;
  font-size: 0.86rem;
  line-height: 1.45;
  color: #3c4257;
}

.viber-btn {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  background: #7360f2;
  color: #fff;
  font-weight: 700;
  font-size: 0.88rem;
  padding: 11px 14px;
  border-radius: 10px;
  transition: background 0.15s ease;
}

.viber-btn:hover {
  background: #6250e0;
}

@media (prefers-reduced-motion: reduce) {
  .support-panel { transition: none; }
  .support-bubble { transition: none; }
}

/* Header */

.site-header {
  background: var(--navy);
  position: sticky;
  top: 0;
  z-index: 50;
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 68px;
}

.logo {
  display: flex;
  align-items: center;
  gap: 8px;
  font-weight: 700;
  font-size: 1.15rem;
  color: #fff;
}

.main-nav {
  display: none;
  gap: 32px;
}

.main-nav a {
  color: var(--text-muted);
  font-size: 0.95rem;
  transition: color 0.15s ease;
}

.main-nav a:hover { color: #fff; }

.header-cta { display: none; }

.header-actions {
  display: none;
  align-items: center;
  gap: 10px;
}

.mobile-controls {
  display: flex;
  align-items: center;
  gap: 12px;
}

.mobile-lang {
  display: block;
}

.lang-switch {
  position: relative;
}

.lang-toggle {
  display: flex;
  align-items: center;
  gap: 5px;
  background: rgba(255, 255, 255, 0.08);
  border: none;
  color: #fff;
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.3px;
  padding: 8px 10px;
  border-radius: 8px;
  cursor: pointer;
  transition: background 0.15s ease;
}

.lang-toggle:hover {
  background: rgba(255, 255, 255, 0.16);
}

.lang-caret {
  transition: transform 0.15s ease;
}

.lang-toggle[aria-expanded="true"] .lang-caret {
  transform: rotate(180deg);
}

.lang-dropdown {
  position: absolute;
  top: calc(100% + 8px);
  left: 0;
  min-width: 92px;
  background: #fff;
  border-radius: 10px;
  box-shadow: 0 14px 30px -10px rgba(0, 0, 0, 0.4);
  padding: 6px;
  display: flex;
  flex-direction: column;
  gap: 2px;
  opacity: 0;
  transform: translateY(-6px);
  pointer-events: none;
  transition: opacity 0.15s ease, transform 0.15s ease;
  z-index: 60;
}

.lang-dropdown.open {
  opacity: 1;
  transform: translateY(0);
  pointer-events: auto;
}

.lang-option {
  background: none;
  border: none;
  text-align: left;
  padding: 8px 10px;
  border-radius: 6px;
  font-size: 0.85rem;
  font-weight: 600;
  color: #3c4257;
  cursor: pointer;
}

.lang-option:hover {
  background: #f2f5f9;
}

.lang-option.active {
  background: var(--accent);
  color: #fff;
}

@media (prefers-reduced-motion: reduce) {
  .lang-dropdown, .lang-caret { transition: none; }
}

.burger {
  display: flex;
  flex-direction: column;
  justify-content: center;
  align-items: center;
  gap: 5px;
  width: 40px;
  height: 40px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 0;
}

.burger span {
  display: block;
  width: 22px;
  height: 2px;
  background: #fff;
  transition: transform 0.2s ease, opacity 0.2s ease;
}

.burger[aria-expanded="true"] span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.burger[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.burger[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

.mobile-nav {
  display: none;
  flex-direction: column;
  gap: 2px;
  padding: 8px clamp(20px, 4vw, 32px) 14px;
  background: var(--navy-2);
  border-radius: 0 0 16px 16px;
  box-shadow: 0 16px 30px -14px rgba(0, 0, 0, 0.5);
}

.mobile-nav.open { display: flex; }

.mobile-nav a {
  padding: 9px 2px;
  font-size: 0.92rem;
  color: var(--text-muted);
  border-bottom: 1px solid rgba(255,255,255,0.06);
}

.mobile-nav .btn {
  margin-top: 8px;
  padding: 10px 22px;
  font-size: 0.9rem;
  text-align: center;
}

.mobile-lang .lang-dropdown,
.header-actions .lang-dropdown {
  left: auto;
  right: 0;
}

/* Hero */

.hero {
  background: var(--navy);
  padding: 40px 0 0;
}

.hero-inner {
  display: flex;
  flex-direction: column;
  gap: 28px;
}

.hero-text h1 {
  font-size: clamp(2.1rem, 1.67rem + 1.9vw, 3.1rem);
  line-height: 1.15;
  letter-spacing: 0.5px;
}

.hero-text p {
  display: block;
  color: var(--text-muted);
  font-size: 1.05rem;
  margin: 16px 0 24px;
}

.hero-media { line-height: 0; }
.hero-media img {
  width: 100%;
  height: auto;
  display: block;
  border-radius: var(--radius);
  box-shadow: 0 20px 50px -20px rgba(0,0,0,0.6);
}

/* Benefits */

.benefits {
  background: #f5f7fa;
  padding: 40px 0;
}

.section-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: 20px;
  padding: 28px 22px;
  box-shadow: 0 4px 24px -14px rgba(15, 23, 41, 0.15);
}

.benefits-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 24px;
}

.benefit-card {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 16px;
  border: 1px solid var(--border);
  border-radius: 14px;
  padding: 18px;
}

.benefit-icon {
  flex: none;
  width: clamp(40px, 10vw, 48px);
  height: clamp(40px, 10vw, 48px);
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: 10px;
  background: #eef7fa;
}

.benefit-card h3 {
  color: var(--navy);
  font-size: 1.05rem;
  margin-bottom: 4px;
}

.benefit-card p {
  color: var(--text-body);
  font-size: 0.92rem;
}

/* How it works */

.how {
  background: #f5f7fa;
  border-top: 1px solid var(--border);
  padding: 40px 0 40px;
  text-align: center;
}

.section-title {
  color: var(--navy);
  font-size: clamp(1.6rem, 1.47rem + 0.57vw, 1.9rem);
  margin-bottom: 32px;
  text-align: center;
}

.steps {
  display: grid;
  grid-template-columns: 1fr;
  gap: 16px;
}

.step {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 8px;
  position: relative;
  border: 1px solid var(--border);
  border-radius: 14px;
  padding: 20px 14px;
}

.step-icon {
  width: clamp(46px, 12vw, 56px);
  height: clamp(46px, 12vw, 56px);
  border-radius: 50%;
  background: #eef7fa;
  display: flex;
  align-items: center;
  justify-content: center;
}

.step-num {
  font-weight: 700;
  color: var(--accent);
  font-size: 0.9rem;
}

.step p {
  font-size: 0.85rem;
  color: var(--text-body);
}

/* Apply CTA band */

.apply {
  background: var(--navy);
  padding: 48px 0;
  text-align: center;
}

.apply-inner p {
  display: block;
  color: var(--text-muted);
  margin: 12px 0 22px;
}

.apply h2 { font-size: 1.6rem; }

/* Footer */

.site-footer {
  background: var(--navy-2);
  padding: 24px 0;
}

.footer-inner {
  display: flex;
  flex-direction: column;
  gap: 12px;
  align-items: center;
  text-align: center;
}

.footer-inner p {
  color: var(--text-muted);
  font-size: 0.82rem;
}

/* Tablet */

@media (min-width: 768px) {
  .section-card { padding: 36px; }

  .hero { padding: 56px 0 0; }
  .hero-inner {
    flex-direction: row;
    align-items: center;
  }
  .hero-text { flex: 1; }
  .hero-media { flex: 1; }

  .steps {
    grid-template-columns: repeat(3, 1fr);
  }

  .benefits-grid {
    grid-template-columns: repeat(3, 1fr);
    gap: 20px;
  }
  .mobile-nav { display: none !important; }
  .main-nav { display: flex; }
  .burger { display: none; }
  .header-cta { display: inline-block; }
  .header-actions { display: flex; }
  .mobile-controls { display: none; }
}

/* Desktop */

@media (min-width: 1200px) {
  .hero { padding: 72px 0 0; }
  .benefits { padding: 56px 0; }
  .how { padding: 56px 0; }
  .section-card { padding: 40px; }
}