/* Fintech-Style Design System */
:root {
  /* Color Palette - Inspired by credit.ai */
  --primary-50: #f0f9ff;
  --primary-100: #e0f2fe;
  --primary-500: #3b82f6;
  --primary-600: #2563eb;
  --primary-700: #1d4ed8;
  --primary-800: #1e40af;
  --primary-900: #1e3a8a;
  
  --neutral-50: #fafafa;
  --neutral-100: #f5f5f5;
  --neutral-200: #e5e7eb;
  --neutral-300: #d1d5db;
  --neutral-400: #9ca3af;
  --neutral-500: #6b7280;
  --neutral-600: #4b5563;
  --neutral-700: #374151;
  --neutral-800: #1f2937;
  --neutral-900: #111827;
  
  --success-50: #ecfdf5;
  --success-500: #10b981;
  --warning-50: #fffbeb;
  --warning-500: #f59e0b;
  --error-50: #fef2f2;
  --error-500: #ef4444;
  
  /* Typography Scale */
  --font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif;
  --font-size-xs: 0.75rem;
  --font-size-sm: 0.875rem;
  --font-size-base: 1rem;
  --font-size-lg: 1.125rem;
  --font-size-xl: 1.25rem;
  --font-size-2xl: 1.5rem;
  --font-size-3xl: 1.875rem;
  --font-size-4xl: 2.25rem;
  --font-size-5xl: 3rem;
  
  /* Spacing Scale */
  --spacing-1: 0.25rem;
  --spacing-2: 0.5rem;
  --spacing-3: 0.75rem;
  --spacing-4: 1rem;
  --spacing-5: 1.25rem;
  --spacing-6: 1.5rem;
  --spacing-8: 2rem;
  --spacing-10: 2.5rem;
  --spacing-12: 3rem;
  --spacing-16: 4rem;
  --spacing-20: 5rem;
  --spacing-24: 6rem;
  
  /* Shadows - Soft Fintech Style */
  --shadow-sm: 0 1px 2px 0 rgba(0, 0, 0, 0.05);
  --shadow-md: 0 4px 6px -1px rgba(0, 0, 0, 0.1), 0 2px 4px -2px rgba(0, 0, 0, 0.1);
  --shadow-lg: 0 10px 15px -3px rgba(0, 0, 0, 0.1), 0 4px 6px -4px rgba(0, 0, 0, 0.1);
  --shadow-xl: 0 20px 25px -5px rgba(0, 0, 0, 0.1), 0 8px 10px -6px rgba(0, 0, 0, 0.1);
  
  /* Border Radius - Rounded UI */
  --radius-none: 0;
  --radius-sm: 0.125rem;
  --radius-md: 0.375rem;
  --radius-lg: 0.5rem;
  --radius-xl: 0.75rem;
  --radius-2xl: 1rem;
  --radius-full: 9999px;
}

/* Reset and Base Styles */
* {
  margin: 0;
  padding: 0;
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  font-family: var(--font-family);
  font-size: var(--font-size-base);
  line-height: 1.6;
  color: var(--neutral-800);
  background-color: var(--neutral-50);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

/* Typography */
h1, h2, h3, h4, h5, h6 {
  font-weight: 600;
  line-height: 1.3;
  color: var(--neutral-900);
  margin-bottom: var(--spacing-4);
}

h1 { font-size: var(--font-size-4xl); }
h2 { font-size: var(--font-size-3xl); }
h3 { font-size: var(--font-size-2xl); }
h4 { font-size: var(--font-size-xl); }
h5 { font-size: var(--font-size-lg); }
h6 { font-size: var(--font-size-base); }

p {
  color: var(--neutral-600);
  margin-bottom: var(--spacing-4);
  line-height: 1.7;
}

/* Links */
a {
  color: var(--primary-600);
  text-decoration: none;
  transition: all 0.2s ease;
}

a:hover {
  color: var(--primary-700);
}

/* Layout Utilities */
.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 var(--spacing-6);
}

.container-fluid {
  padding: 0 var(--spacing-6);
}

/* Grid System */
.grid {
  display: grid;
  gap: var(--spacing-6);
}

.grid-2 {
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
}

.grid-3 {
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
}

.grid-4 {
  grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
}

/* Flexbox Utilities */
.flex {
  display: flex;
}

.flex-col {
  flex-direction: column;
}

.flex-wrap {
  flex-wrap: wrap;
}

.items-center {
  align-items: center;
}

.justify-center {
  justify-content: center;
}

.justify-between {
  justify-content: space-between;
}

/* Spacing */
.mt-1 { margin-top: var(--spacing-1); }
.mt-2 { margin-top: var(--spacing-2); }
.mt-3 { margin-top: var(--spacing-3); }
.mt-4 { margin-top: var(--spacing-4); }
.mt-5 { margin-top: var(--spacing-5); }
.mt-6 { margin-top: var(--spacing-6); }

.mb-1 { margin-bottom: var(--spacing-1); }
.mb-2 { margin-bottom: var(--spacing-2); }
.mb-3 { margin-bottom: var(--spacing-3); }
.mb-4 { margin-bottom: var(--spacing-4); }
.mb-5 { margin-bottom: var(--spacing-5); }
.mb-6 { margin-bottom: var(--spacing-6); }

/* Buttons - Fintech Style */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: var(--spacing-3) var(--spacing-6);
  font-weight: 500;
  text-align: center;
  text-decoration: none;
  border: none;
  border-radius: var(--radius-lg);
  cursor: pointer;
  transition: all 0.2s ease;
  font-size: var(--font-size-base);
  line-height: 1.5;
  white-space: nowrap;
  box-shadow: var(--shadow-sm);
}

.btn:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-1px);
}

.btn-primary {
  background: linear-gradient(135deg, var(--primary-600) 0%, var(--primary-700) 100%);
  color: white;
}

.btn-primary:hover {
  background: linear-gradient(135deg, var(--primary-700) 0%, var(--primary-800) 100%);
}

.btn-secondary {
  background-color: white;
  color: var(--primary-600);
  border: 2px solid var(--primary-200);
}

.btn-secondary:hover {
  background-color: var(--primary-50);
  border-color: var(--primary-300);
}

.btn-outline {
  background-color: transparent;
  color: var(--neutral-700);
  border: 1px solid var(--neutral-300);
}

.btn-outline:hover {
  background-color: var(--neutral-50);
}

.btn-sm {
  padding: var(--spacing-2) var(--spacing-4);
  font-size: var(--font-size-sm);
}

.btn-lg {
  padding: var(--spacing-5) var(--spacing-8);
  font-size: var(--font-size-lg);
}

/* Cards - Fintech Style */
.card {
  background-color: white;
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-md);
  padding: var(--spacing-8);
  margin-bottom: var(--spacing-6);
  transition: all 0.2s ease;
}

.card:hover {
  box-shadow: var(--shadow-lg);
  transform: translateY(-2px);
}

/* Forms - Fintech Style */
.form-group {
  margin-bottom: var(--spacing-6);
}

.form-label {
  display: block;
  font-weight: 500;
  margin-bottom: var(--spacing-2);
  color: var(--neutral-700);
  font-size: var(--font-size-sm);
}

.form-control {
  display: block;
  width: 100%;
  padding: var(--spacing-4);
  font-size: var(--font-size-base);
  line-height: 1.5;
  color: var(--neutral-800);
  background-color: white;
  border: 1px solid var(--neutral-300);
  border-radius: var(--radius-md);
  transition: all 0.2s ease;
}

.form-control:focus {
  outline: none;
  border-color: var(--primary-500);
  box-shadow: 0 0 0 3px rgba(59, 130, 246, 0.1);
}

/* Header - Fintech Style */
.header {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  background-color: rgba(255, 255, 255, 0.95);
  backdrop-filter: blur(10px);
  box-shadow: var(--shadow-sm);
  z-index: 1000;
  border-bottom: 1px solid var(--neutral-200);
}

.nav {
  padding: var(--spacing-4) 0;
}

.nav-container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 var(--spacing-6);
}

.nav-brand .brand-name {
  font-size: var(--font-size-2xl);
  font-weight: 700;
  color: var(--primary-600);
  margin: 0;
  letter-spacing: -0.025em;
}

.nav-menu {
  display: flex;
  list-style: none;
  margin: 0;
  padding: 0;
  gap: var(--spacing-6);
}

.nav-link {
  font-weight: 500;
  color: var(--neutral-700);
  text-decoration: none;
  padding: var(--spacing-3) var(--spacing-4);
  border-radius: var(--radius-md);
  transition: all 0.2s ease;
  position: relative;
}

.nav-link:hover,
.nav-link.active {
  color: var(--primary-600);
  background-color: var(--primary-50);
}

.nav-link.active::after {
  content: '';
  position: absolute;
  bottom: -4px;
  left: 50%;
  transform: translateX(-50%);
  width: 20px;
  height: 2px;
  background-color: var(--primary-600);
  border-radius: var(--radius-full);
}

.nav-toggle {
  display: none;
  flex-direction: column;
  cursor: pointer;
  padding: var(--spacing-2);
}

.nav-toggle span {
  width: 24px;
  height: 2px;
  background-color: var(--neutral-700);
  margin: 3px 0;
  transition: 0.3s;
  border-radius: var(--radius-full);
}

/* Main Content */
main {
  margin-top: 80px;
}

/* Hero Section - Fintech Style */
.hero {
  background: linear-gradient(135deg, var(--neutral-50) 0%, white 100%);
  padding: var(--spacing-20) 0;
  text-align: center;
  position: relative;
  overflow: hidden;
}

.hero::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background: linear-gradient(45deg, var(--primary-50), rgba(59, 130, 246, 0.05));
  opacity: 0.3;
}

.hero-content {
  position: relative;
  z-index: 2;
}

.hero-headline {
  font-size: var(--font-size-5xl);
  font-weight: 700;
  color: var(--neutral-900);
  margin-bottom: var(--spacing-4);
  line-height: 1.1;
  letter-spacing: -0.025em;
}

.hero-subheadline {
  font-size: var(--font-size-2xl);
  font-weight: 600;
  color: var(--primary-600);
  margin-bottom: var(--spacing-6);
}

.hero-description {
  font-size: var(--font-size-lg);
  color: var(--neutral-600);
  max-width: 600px;
  margin: 0 auto var(--spacing-8);
  line-height: 1.7;
}

.hero-cta {
  display: flex;
  gap: var(--spacing-4);
  justify-content: center;
  flex-wrap: wrap;
}

/* Features - Fintech Style */
.features {
  padding: var(--spacing-20) 0;
  background-color: white;
  position: relative;
}

.features-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
  gap: var(--spacing-8);
  margin-top: var(--spacing-12);
}

.feature-card {
  background: linear-gradient(135deg, white 0%, var(--neutral-50) 100%);
  padding: var(--spacing-8);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-lg);
  text-align: center;
  transition: all 0.3s ease;
  border: 1px solid var(--neutral-200);
  position: relative;
  overflow: hidden;
}

.feature-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 4px;
  background: linear-gradient(90deg, var(--primary-500), var(--primary-600));
  border-radius: var(--radius-xl) var(--radius-xl) 0 0;
}

.feature-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-xl);
}

.feature-icon {
  font-size: var(--font-size-4xl);
  margin-bottom: var(--spacing-4);
  background: linear-gradient(135deg, var(--primary-500), var(--primary-600));
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

/* Value Proposition */
.value-prop {
  padding: var(--spacing-20) 0;
  background: linear-gradient(135deg, var(--neutral-100) 0%, white 100%);
}

.value-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: var(--spacing-8);
  margin-top: var(--spacing-12);
}

.value-item {
  padding: var(--spacing-6);
  background: linear-gradient(135deg, white 0%, var(--neutral-50) 100%);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-md);
  border: 1px solid var(--neutral-200);
  transition: all 0.2s ease;
}

.value-item:hover {
  box-shadow: var(--shadow-lg);
  transform: translateY(-2px);
}

/* Page Hero - Fintech Style */
.page-hero {
  background: linear-gradient(135deg, var(--neutral-100) 0%, white 100%);
  padding: var(--spacing-16) 0;
  text-align: center;
  position: relative;
}

.page-hero::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background: linear-gradient(45deg, var(--primary-100), rgba(59, 130, 246, 0.1));
  opacity: 0.4;
}

.page-hero-content {
  position: relative;
  z-index: 2;
}

.page-hero-content h1 {
  font-size: var(--font-size-4xl);
  font-weight: 700;
  color: var(--neutral-900);
  margin-bottom: var(--spacing-4);
}

.page-hero-content p {
  font-size: var(--font-size-xl);
  color: var(--neutral-600);
  max-width: 600px;
  margin: 0 auto;
}

/* Services - Fintech Style */
.services {
  padding: var(--spacing-20) 0;
  background-color: white;
}

.services-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(360px, 1fr));
  gap: var(--spacing-8);
  margin-top: var(--spacing-12);
}

.service-card {
  background: linear-gradient(135deg, white 0%, var(--neutral-50) 100%);
  padding: var(--spacing-8);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-md);
  border: 1px solid var(--neutral-200);
  transition: all 0.2s ease;
  position: relative;
}

.service-card:hover {
  box-shadow: var(--shadow-lg);
  transform: translateY(-2px);
}

.service-icon {
  font-size: var(--font-size-3xl);
  margin-bottom: var(--spacing-4);
  background: linear-gradient(135deg, var(--primary-500), var(--primary-600));
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.service-features {
  list-style: none;
  padding: 0;
  margin: var(--spacing-4) 0;
}

.service-features li {
  padding: var(--spacing-2) 0;
  color: var(--neutral-600);
  position: relative;
  padding-left: var(--spacing-6);
}

.service-features li:before {
  content: "✓";
  position: absolute;
  left: 0;
  color: var(--success-500);
  font-weight: bold;
  width: var(--spacing-4);
  height: var(--spacing-4);
  display: flex;
  align-items: center;
  justify-content: center;
  background-color: var(--success-50);
  border-radius: var(--radius-full);
}

/* Process - Fintech Style */
.process-overview {
  padding: var(--spacing-20) 0;
  background: linear-gradient(135deg, var(--neutral-100) 0%, white 100%);
}

.process-steps {
  display: flex;
  flex-direction: column;
  gap: var(--spacing-8);
  margin-top: var(--spacing-12);
}

.process-step {
  display: flex;
  align-items: center;
  gap: var(--spacing-8);
  padding: var(--spacing-8);
  background: linear-gradient(135deg, white 0%, var(--neutral-50) 100%);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-md);
  border: 1px solid var(--neutral-200);
  position: relative;
}

.step-number {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 60px;
  height: 60px;
  background: linear-gradient(135deg, var(--primary-500), var(--primary-600));
  color: white;
  border-radius: var(--radius-full);
  font-size: var(--font-size-xl);
  font-weight: bold;
  flex-shrink: 0;
  box-shadow: var(--shadow-md);
}

.step-content h3 {
  margin-bottom: var(--spacing-2);
  color: var(--neutral-900);
}

.step-content p {
  color: var(--neutral-600);
  margin-bottom: 0;
}

/* Timeline - Fintech Style */
.timeline {
  padding: var(--spacing-20) 0;
  background-color: white;
}

.timeline-items {
  display: flex;
  flex-direction: column;
  gap: var(--spacing-8);
  margin-top: var(--spacing-12);
}

.timeline-item {
  display: flex;
  align-items: flex-start;
  gap: var(--spacing-6);
  padding: var(--spacing-6);
  background: linear-gradient(135deg, white 0%, var(--neutral-50) 100%);
  border-radius: var(--radius-xl);
  border: 1px solid var(--neutral-200);
  position: relative;
}

.timeline-marker {
  width: 12px;
  height: 12px;
  background: linear-gradient(135deg, var(--primary-500), var(--primary-600));
  border-radius: var(--radius-full);
  flex-shrink: 0;
  margin-top: 4px;
  box-shadow: var(--shadow-sm);
}

.timeline-content h4 {
  margin-bottom: var(--spacing-2);
  color: var(--neutral-900);
}

.timeline-content p {
  color: var(--neutral-600);
  margin-bottom: 0;
}

/* Contact - Fintech Style */
.contact {
  padding: var(--spacing-20) 0;
  background: linear-gradient(135deg, var(--neutral-100) 0%, white 100%);
}

.contact-content {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--spacing-12);
  align-items: start;
}

.contact-methods {
  margin-top: var(--spacing-10);
}

.contact-method {
  display: flex;
  align-items: center;
  gap: var(--spacing-6);
  padding: var(--spacing-6);
  background: linear-gradient(135deg, white 0%, var(--neutral-50) 100%);
  border-radius: var(--radius-xl);
  margin-bottom: var(--spacing-4);
  border: 1px solid var(--neutral-200);
  box-shadow: var(--shadow-sm);
}

.contact-icon {
  font-size: var(--font-size-3xl);
  flex-shrink: 0;
  background: linear-gradient(135deg, var(--primary-500), var(--primary-600));
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.contact-details h4 {
  margin-bottom: var(--spacing-1);
  color: var(--neutral-900);
}

.contact-details p {
  color: var(--neutral-700);
  margin-bottom: var(--spacing-1);
}

.contact-details small {
  color: var(--neutral-500);
  font-size: var(--font-size-sm);
}

/* Form - Fintech Style */
.form {
  background: linear-gradient(135deg, white 0%, var(--neutral-50) 100%);
  padding: var(--spacing-8);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--neutral-200);
}

.form-group {
  margin-bottom: var(--spacing-6);
}

.form-group label {
  display: block;
  font-weight: 500;
  margin-bottom: var(--spacing-2);
  color: var(--neutral-700);
  font-size: var(--font-size-sm);
}

.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: var(--spacing-4);
  border: 1px solid var(--neutral-300);
  border-radius: var(--radius-md);
  font-size: var(--font-size-base);
  transition: all 0.2s ease;
  background-color: white;
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  outline: none;
  border-color: var(--primary-500);
  box-shadow: 0 0 0 3px rgba(59, 130, 246, 0.1);
}

/* CTA Section - Fintech Style */
.cta-section {
  padding: var(--spacing-20) 0;
  background: linear-gradient(135deg, var(--primary-600) 0%, var(--primary-700) 100%);
  text-align: center;
  color: white;
  position: relative;
}

.cta-section::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background: linear-gradient(45deg, rgba(255, 255, 255, 0.1), rgba(255, 255, 255, 0.05));
}

.cta-content {
  position: relative;
  z-index: 2;
}

.cta-content h2 {
  color: white;
  margin-bottom: var(--spacing-4);
}

.cta-content p {
  color: rgba(255, 255, 255, 0.9);
  margin-bottom: var(--spacing-8);
}

.cta-content .btn {
  background: white;
  color: var(--primary-600);
  box-shadow: var(--shadow-lg);
}

.cta-content .btn:hover {
  background: var(--neutral-50);
}

/* Footer - Fintech Style */
.footer {
  background: linear-gradient(135deg, var(--neutral-900) 0%, var(--neutral-800) 100%);
  color: white;
  padding: var(--spacing-16) 0 var(--spacing-8);
  position: relative;
}

.footer::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 1px;
  background: linear-gradient(90deg, transparent, var(--neutral-600), transparent);
}

.footer-content {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: var(--spacing-10);
  margin-bottom: var(--spacing-10);
}

.footer-section h3,
.footer-section h4 {
  color: white;
  margin-bottom: var(--spacing-4);
}

.footer-links {
  list-style: none;
  padding: 0;
  margin: 0;
}

.footer-links li {
  margin-bottom: var(--spacing-2);
}

.footer-links a {
  color: rgba(255, 255, 255, 0.8);
  text-decoration: none;
  transition: color 0.2s ease;
}

.footer-links a:hover {
  color: white;
}

.footer-bottom {
  text-align: center;
  padding-top: var(--spacing-8);
  border-top: 1px solid rgba(255, 255, 255, 0.2);
  color: rgba(255, 255, 255, 0.7);
}

/* Responsive Design */
@media (max-width: 768px) {
  .nav-menu {
    position: fixed;
    top: 70px;
    left: -100%;
    width: 100%;
    height: calc(100vh - 70px);
    background-color: white;
    flex-direction: column;
    padding: var(--spacing-8);
    transition: 0.3s;
    box-shadow: var(--shadow-xl);
  }
  
  .nav-menu.active {
    left: 0;
  }
  
  .nav-toggle {
    display: flex;
  }
  
  .hero-headline {
    font-size: var(--font-size-4xl);
  }
  
  .hero-subheadline {
    font-size: var(--font-size-xl);
  }
  
  .hero-cta {
    flex-direction: column;
    align-items: center;
  }
  
  .contact-content {
    grid-template-columns: 1fr;
    gap: var(--spacing-8);
  }
  
  .process-step {
    flex-direction: column;
    text-align: center;
    gap: var(--spacing-4);
  }
  
  .services-grid {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 480px) {
  .container {
    padding: 0 var(--spacing-4);
  }
  
  .hero-headline {
    font-size: var(--font-size-3xl);
  }
  
  .page-hero-content h1 {
    font-size: var(--font-size-3xl);
  }
  
  .btn {
    padding: var(--spacing-3) var(--spacing-5);
    font-size: var(--font-size-sm);
  }
}