/* Layout concept: calm bank-counter site. Deep teal hero band carries one memorable object (a printed AEPS slip);
   everything else is quiet type on cool paper, with saffron reserved for the Sign up action. */
:root {
  --bg: #F4F8F7;
  --surface: #FFFFFF;
  --surface-2: #E8F0EE;
  --line: #CFDDD9;
  --ink: #10252E;
  --muted: #475C64;
  --brand: #0B5D55;
  --brand-ink: #FFFFFF;
  --accent: #F2A63B;
  --accent-ink: #1B1303;
  --accent-hover: #FFB84F;
  --hero: #0A3F3B;
  --hero-line: #1D6660;
  --hero-ink: #F2F8F6;
  --hero-muted: #B9D3CE;
  --paper: #FFFFFF;
  --paper-ink: #1B252A;
  --paper-muted: #5B6B71;
  --ok: #0E7A4B;
  --focus: #1666C5;
  --display: "Bricolage Grotesque", "Segoe UI", system-ui, sans-serif;
  --body: "Public Sans", "Segoe UI", system-ui, sans-serif;
  --mono: "IBM Plex Mono", ui-monospace, Consolas, monospace;
}
@media (prefers-color-scheme: dark) {
  :root:not([data-theme="light"]) {
    --bg: #0B171B; --surface: #112228; --surface-2: #14292F; --line: #264249;
    --ink: #E6F0EE; --muted: #9DB5B1; --brand: #4CC2AB; --brand-ink: #04211C; --hero: #082F2D; --hero-line: #17524C;
    --ok: #3FBF86; --focus: #7DB5FF; color-scheme: dark;
  }
}
:root[data-theme="dark"] {
  --bg: #0B171B; --surface: #112228; --surface-2: #14292F; --line: #264249;
  --ink: #E6F0EE; --muted: #9DB5B1; --brand: #4CC2AB; --brand-ink: #04211C; --hero: #082F2D; --hero-line: #17524C;
  --ok: #3FBF86; --focus: #7DB5FF; color-scheme: dark;
}

*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
body {
  margin: 0; background: var(--bg); color: var(--ink);
  font: 400 1.0625rem/1.65 var(--body);
}
img, svg { max-width: 100%; }
h1, h2, h3 { font-family: var(--display); line-height: 1.12; margin: 0; text-wrap: balance; letter-spacing: -0.01em; }
h1 { font-size: clamp(2.2rem, 5.2vw, 3.6rem); font-weight: 700; }
h2 { font-size: clamp(1.6rem, 3.2vw, 2.2rem); font-weight: 700; }
h3 { font-size: 1.15rem; font-weight: 600; letter-spacing: 0; }
p { margin: 0 0 1em; max-width: 68ch; }
a { color: var(--brand); text-underline-offset: 3px; }
a:hover { text-decoration-thickness: 2px; }
:focus-visible { outline: 3px solid var(--focus); outline-offset: 2px; border-radius: 4px; }
.muted { color: var(--muted); }
.skip { position: absolute; left: -999px; top: 0; background: var(--accent); color: var(--accent-ink); padding: 8px 14px; z-index: 50; }
.skip:focus { left: 8px; top: 8px; }

.wrap {
  width: 100%; max-width: 1120px; margin: 0 auto;
  padding-left: max(16px, env(safe-area-inset-left, 0px));
  padding-right: max(16px, env(safe-area-inset-right, 0px));
}
.narrow { max-width: 760px; }

/* header */
.site-header { position: sticky; top: env(safe-area-inset-top, 0px); z-index: 20; background: var(--bg); border-bottom: 1px solid var(--line); }
.bar { display: flex; align-items: center; gap: 12px; min-height: 66px; }
.brand { display: inline-flex; align-items: center; gap: 10px; font: 700 1.3rem/1 var(--display); color: var(--ink); text-decoration: none; }
.mark { display: grid; place-items: center; width: 32px; height: 32px; border-radius: 8px; background: var(--brand); color: var(--brand-ink); font-size: 1.05rem; }
.nav { display: flex; align-items: center; gap: 2px; margin-left: auto; }
.nav a { padding: 8px 12px; border-radius: 8px; color: var(--ink); text-decoration: none; font-weight: 500; font-size: 0.97rem; }
.nav a:hover { background: var(--surface-2); }
.nav a[aria-current="page"] { color: var(--brand); box-shadow: inset 0 -2px 0 var(--brand); border-radius: 0; }
.nav .nav-login { color: var(--brand); font-weight: 600; }
.menu { display: none; margin-left: auto; font: 600 0.95rem var(--body); color: var(--ink); background: transparent; border: 1px solid var(--line); border-radius: 8px; padding: 8px 12px; cursor: pointer; }

/* buttons */
.btn { display: inline-block; font: 600 1rem/1 var(--body); padding: 14px 22px; border-radius: 10px; text-decoration: none; border: 2px solid transparent; cursor: pointer; text-align: center; }
.btn-sm { padding: 10px 16px; font-size: 0.95rem; }
.btn-primary { background: var(--accent); color: var(--accent-ink); }
.btn-primary:hover { background: var(--accent-hover); }
.btn-ghost { color: var(--hero-ink); border-color: var(--hero-line); }
.btn-ghost:hover { background: var(--hero-line); }
.btn-outline { color: var(--brand); border-color: var(--brand); background: transparent; }
.btn-outline:hover { background: var(--surface-2); }
.cta-row { display: flex; flex-wrap: wrap; gap: 12px; }

/* hero */
.hero { background: var(--hero); color: var(--hero-ink); padding-block: clamp(40px, 7vw, 88px); overflow: hidden; }
.hero-grid { display: grid; grid-template-columns: minmax(0, 1.15fr) minmax(0, 0.85fr); gap: clamp(28px, 5vw, 64px); align-items: center; }
.hero .lead { font-size: 1.2rem; color: var(--hero-muted); margin: 20px 0 28px; }
.hero .fine { margin: 18px 0 0; color: var(--hero-muted); font-size: 0.95rem; }
.slip-wrap { margin: 0; justify-self: center; width: 100%; max-width: 340px; padding-bottom: 14px; }
.slip-wrap figcaption { margin-top: 22px; text-align: center; color: var(--hero-muted); font-size: 0.88rem; }
.slip {
  position: relative; background: var(--paper); color: var(--paper-ink); font: 400 0.9rem/1.5 var(--mono);
  padding: 22px 22px 24px; transform: rotate(1.4deg); box-shadow: 0 18px 40px rgba(0, 0, 0, 0.28);
  clip-path: inset(0 -6px -16px -6px); animation: print 1.1s cubic-bezier(.3, .7, .2, 1) both;
}
.slip::after {
  content: ""; position: absolute; left: 0; right: 0; bottom: -10px; height: 10px;
  background: linear-gradient(135deg, var(--paper) 25%, transparent 25%) -10px 0, linear-gradient(225deg, var(--paper) 25%, transparent 25%) -10px 0;
  background-size: 20px 20px;
}
.slip p { margin: 0; max-width: none; }
.slip-head { text-align: center; font-weight: 500; letter-spacing: 0.04em; }
.slip-sub { text-align: center; color: var(--paper-muted); font-size: 0.8rem; }
.slip-rule { border-top: 1px dashed #9AA8AD; margin: 12px 0; }
.slip .row { display: flex; justify-content: space-between; gap: 12px; padding: 2px 0; }
.slip .row span:first-child { color: var(--paper-muted); }
.slip .row span:last-child { text-align: right; }
.slip .amt span:last-child { font-weight: 500; font-size: 1.1rem; }
.slip .ok span:last-child { color: #0E7A4B; font-weight: 500; }
.slip-foot { text-align: center; color: var(--paper-muted); font-size: 0.8rem; }
@keyframes print { from { clip-path: inset(0 -6px 100% -6px); } to { clip-path: inset(0 -6px -16px -6px); } }

/* page hero */
.page-hero { background: var(--hero); color: var(--hero-ink); padding-block: clamp(36px, 6vw, 68px); }
.page-hero h1 { font-size: clamp(2rem, 4.4vw, 3rem); }
.page-hero .lead { color: var(--hero-muted); font-size: 1.15rem; margin: 14px 0 0; }

/* sections */
.section { padding-block: clamp(44px, 6.5vw, 84px); }
.section.alt { background: var(--surface-2); }
.sec-head { display: flex; align-items: baseline; justify-content: space-between; gap: 16px; margin-bottom: 28px; flex-wrap: wrap; }
.more { font-weight: 600; }
.split { display: grid; grid-template-columns: minmax(0, 0.8fr) minmax(0, 1.2fr); gap: clamp(24px, 5vw, 64px); align-items: start; }
.split > div > h2 + p { margin-top: 14px; }

.svc-strip { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 0; border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.svc-item { padding: 26px 22px 26px 0; }
.svc-item + .svc-item { padding-left: 22px; border-left: 1px solid var(--line); }
.svc-item h3 { margin: 14px 0 8px; }
.svc-item p { color: var(--muted); font-size: 0.97rem; margin: 0; }
.ico { display: inline-grid; place-items: center; width: 44px; height: 44px; border-radius: 12px; background: var(--surface-2); color: var(--brand); }
.alt .ico { background: var(--surface); }
.ico svg { width: 24px; height: 24px; fill: none; stroke: currentColor; stroke-width: 1.7; stroke-linecap: round; stroke-linejoin: round; }

.why { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 28px; margin-top: 28px; }
.why.three { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.why h3 { margin-bottom: 8px; }
.why p { color: var(--muted); margin: 0 0 14px; font-size: 0.99rem; }
.why .email { font: 500 1rem var(--mono); word-break: break-all; }

.steps { list-style: none; counter-reset: s; margin: 0; padding: 0; display: grid; gap: 0; }
.steps li { counter-increment: s; position: relative; padding: 0 0 26px 54px; }
.steps li::before {
  content: counter(s); position: absolute; left: 0; top: -2px; width: 34px; height: 34px; border-radius: 50%;
  display: grid; place-items: center; font: 600 0.95rem var(--display); background: var(--brand); color: var(--brand-ink);
}
.steps li:not(:last-child)::after { content: ""; position: absolute; left: 16px; top: 36px; bottom: 4px; width: 2px; background: var(--line); }
.steps h3 { margin: 2px 0 4px; }
.steps p { margin: 0; color: var(--muted); }

.faq details { border-bottom: 1px solid var(--line); }
.faq summary { cursor: pointer; padding: 18px 28px 18px 0; font: 600 1.05rem var(--display); list-style: none; position: relative; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; position: absolute; right: 4px; top: 14px; font-size: 1.5rem; color: var(--brand); }
.faq details[open] summary::after { content: "\2212"; }
.faq details p { color: var(--muted); padding-bottom: 8px; }
.alt h2 + .faq { margin-top: 18px; }

.band { background: var(--hero); color: var(--hero-ink); padding-block: clamp(36px, 5vw, 56px); }
.band-in { display: flex; align-items: center; justify-content: space-between; gap: 24px; flex-wrap: wrap; }
.band .btn-outline { color: var(--hero-ink); border-color: var(--hero-line); }
.band .btn-outline:hover { background: var(--hero-line); }

/* services page */
.svc { display: grid; grid-template-columns: minmax(0, 0.7fr) minmax(0, 1.3fr); gap: clamp(20px, 5vw, 56px); padding-block: clamp(28px, 4vw, 44px); border-top: 1px solid var(--line); }
.svc:first-child { border-top: 0; padding-top: 0; }
.svc-title h2 { margin: 14px 0 6px; font-size: clamp(1.5rem, 2.6vw, 1.9rem); }
.svc-body h3 { margin: 22px 0 8px; }
.svc-body > p:first-child { margin-top: 0; }
.ticks { list-style: none; margin: 0 0 14px; padding: 0; }
.ticks li { position: relative; padding: 4px 0 4px 28px; }
.ticks li::before { content: ""; position: absolute; left: 4px; top: 12px; width: 12px; height: 6px; border-left: 2.5px solid var(--brand); border-bottom: 2.5px solid var(--brand); transform: rotate(-45deg); }
.note { background: var(--surface-2); border-left: 4px solid var(--accent); border-radius: 0 10px 10px 0; padding: 18px 22px; margin-top: 24px; }
.alt .note { background: var(--surface); }
.note h3 { margin: 0 0 8px; }
.note ul { margin: 0; padding-left: 20px; }
.note li { padding: 3px 0; }

.prose p { font-size: 1.12rem; }

/* footer */
.site-footer { background: var(--surface-2); border-top: 1px solid var(--line); padding-top: 48px; font-size: 0.97rem; }
.foot { display: grid; grid-template-columns: 1.3fr 0.8fr 0.8fr 1.5fr; gap: 32px; }
.foot h2 { font: 600 1rem var(--display); margin-bottom: 10px; }
.foot ul { list-style: none; margin: 0; padding: 0; }
.foot li { padding: 3px 0; }
.foot a { color: var(--ink); }
.foot p { color: var(--muted); font-size: 0.93rem; margin: 10px 0 0; }
.legal { padding-block: 24px; margin-top: 28px; border-top: 1px solid var(--line); }
.legal p { margin: 0; color: var(--muted); font-size: 0.9rem; }

/* narrow screens */
@media (max-width: 900px) {
  .hero-grid, .split, .svc { grid-template-columns: minmax(0, 1fr); }
  .svc-strip { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .svc-item:nth-child(3) { border-left: 0; padding-left: 0; }
  .svc-item:nth-child(n+3) { border-top: 1px solid var(--line); }
  .why, .why.three { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .foot { grid-template-columns: repeat(2, minmax(0, 1fr)); }
}
@media (max-width: 820px) {
  .menu { display: inline-block; }
  .site-header .btn-sm { margin-left: auto; }
  .menu { margin-left: 0; }
  .nav { display: none; position: absolute; top: 100%; left: 0; right: 0; flex-direction: column; align-items: stretch; margin: 0; padding: 8px max(16px, env(safe-area-inset-left, 0px)) 16px; background: var(--bg); border-bottom: 1px solid var(--line); }
  .nav.open { display: flex; }
  .nav a { padding: 14px 8px; border-bottom: 1px solid var(--line); border-radius: 0; }
  .nav a[aria-current="page"] { box-shadow: none; color: var(--brand); font-weight: 600; }
}
@media (max-width: 560px) {
  .svc-strip, .why, .why.three, .foot { grid-template-columns: minmax(0, 1fr); }
  .svc-item, .svc-item + .svc-item { padding-left: 0; border-left: 0; }
  .svc-item + .svc-item { border-top: 1px solid var(--line); }
  .slip-wrap { max-width: 320px; }
  .brand span:last-child { font-size: 1.15rem; }
}
@media (prefers-reduced-motion: reduce) {
  .slip { animation: none; }
  html { scroll-behavior: auto; }
}