/* FloatPay — fpay.css
   Palette: lime-green #22C55E / navy #0E1A2B / surface #F7FAFB
   Typography: Plus Jakarta Sans (headings) + Inter (body) + JetBrains Mono (amounts)
*/

/* === TOKENS === */
:root {
  --fpay-green: #22C55E;
  --fpay-green-dark: #16A34A;
  --fpay-green-light: #DCFCE7;
  --fpay-green-tint: #F0FDF4;
  --fpay-navy: #0E1A2B;
  --fpay-navy-mid: #1E3A52;
  --fpay-surface: #F7FAFB;
  --fpay-card: #FFFFFF;
  --fpay-border: #E2E8F0;
  --fpay-text: #0E1A2B;
  --fpay-text-secondary: #4B6070;
  --fpay-text-muted: #8CA0B3;
  --fpay-shadow: 0 1px 3px rgba(14,26,43,0.08), 0 4px 16px rgba(14,26,43,0.06);
  --fpay-shadow-lg: 0 4px 24px rgba(14,26,43,0.12), 0 16px 48px rgba(14,26,43,0.08);
  --fpay-radius: 16px;
  --fpay-radius-sm: 10px;
  --fpay-radius-pill: 50px;
  --fpay-max: 1280px;
  --fpay-transition: 0.2s ease;
}

/* === RESET === */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; -webkit-font-smoothing: antialiased; }
body {
  font-family: 'Inter', system-ui, sans-serif;
  color: var(--fpay-text);
  background: #FFFFFF;
  line-height: 1.6;
}
img { display: block; max-width: 100%; height: auto; }
a { color: inherit; text-decoration: none; }
ul, ol { list-style: none; }
button { cursor: pointer; }
input, textarea, select {
  font-family: inherit;
  font-size: inherit;
}

/* === TYPOGRAPHY === */
h1, h2, h3, h4, h5, h6 {
  font-family: 'Plus Jakarta Sans', system-ui, sans-serif;
  font-weight: 700;
  line-height: 1.2;
  color: var(--fpay-navy);
}
h1 { font-size: clamp(2.2rem, 5vw, 3.5rem); font-weight: 800; }
h2 { font-size: clamp(1.75rem, 3.5vw, 2.5rem); }
h3 { font-size: clamp(1.25rem, 2.5vw, 1.5rem); }
h4 { font-size: 1.125rem; }
p { color: var(--fpay-text-secondary); line-height: 1.7; }
.fpay-mono { font-family: 'JetBrains Mono', 'Courier New', monospace; }

/* === LAYOUT UTILITIES === */
.fpay-container {
  max-width: var(--fpay-max);
  margin: 0 auto;
  padding: 0 80px;
}
@media (max-width: 1100px) { .fpay-container { padding: 0 48px; } }
@media (max-width: 768px) { .fpay-container { padding: 0 24px; } }

.fpay-section { padding: 96px 0; }
.fpay-section--sm { padding: 64px 0; }
.fpay-section--dark { background: var(--fpay-navy); }
.fpay-section--surface { background: var(--fpay-surface); }
.fpay-section--green-tint { background: var(--fpay-green-tint); }

.fpay-section-label {
  display: inline-block;
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--fpay-green-dark);
  background: var(--fpay-green-light);
  padding: 4px 12px;
  border-radius: 50px;
  margin-bottom: 16px;
}
.fpay-section-label--dark {
  color: var(--fpay-green);
  background: rgba(34,197,94,0.15);
}

.fpay-section-heading {
  margin-bottom: 16px;
}
.fpay-section-sub {
  font-size: 1.125rem;
  color: var(--fpay-text-secondary);
  max-width: 580px;
}
.fpay-section-sub--center { text-align: center; margin: 0 auto; }

/* === BUTTONS === */
.fpay-btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 28px;
  border-radius: var(--fpay-radius-pill);
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: 0.9375rem;
  font-weight: 600;
  transition: all var(--fpay-transition);
  border: 2px solid transparent;
  white-space: nowrap;
  text-decoration: none;
}
.fpay-btn--primary {
  background: var(--fpay-green);
  color: #FFFFFF;
  border-color: var(--fpay-green);
}
.fpay-btn--primary:hover {
  background: var(--fpay-green-dark);
  border-color: var(--fpay-green-dark);
  transform: translateY(-1px);
  box-shadow: 0 4px 16px rgba(34,197,94,0.35);
}
.fpay-btn--ghost {
  background: transparent;
  color: var(--fpay-navy);
  border-color: var(--fpay-border);
}
.fpay-btn--ghost:hover {
  border-color: var(--fpay-navy);
  background: var(--fpay-surface);
}
.fpay-btn--ghost-white {
  background: transparent;
  color: #FFFFFF;
  border-color: rgba(255,255,255,0.4);
}
.fpay-btn--ghost-white:hover {
  background: rgba(255,255,255,0.1);
  border-color: #FFFFFF;
}
.fpay-btn--ghost-nav {
  background: transparent;
  color: var(--fpay-text);
  border-color: var(--fpay-border);
  padding: 10px 20px;
  font-size: 0.875rem;
}
.fpay-btn--ghost-nav:hover {
  border-color: var(--fpay-navy);
}
.fpay-btn--sm { padding: 10px 20px; font-size: 0.875rem; }
.fpay-btn--lg { padding: 18px 40px; font-size: 1.0625rem; }

/* === NAVIGATION === */
.fpay-nav {
  position: sticky;
  top: 0;
  z-index: 1000;
  width: 100%;
  background: rgba(255,255,255,0);
  transition: background var(--fpay-transition), box-shadow var(--fpay-transition);
}
.fpay-nav--scrolled {
  background: rgba(255,255,255,0.97);
  box-shadow: 0 1px 0 var(--fpay-border), 0 4px 16px rgba(14,26,43,0.06);
  backdrop-filter: blur(8px);
}
.fpay-nav__inner {
  max-width: var(--fpay-max);
  margin: 0 auto;
  padding: 0 80px;
  height: 72px;
  display: flex;
  align-items: center;
  gap: 40px;
}
@media (max-width: 1100px) { .fpay-nav__inner { padding: 0 48px; } }
@media (max-width: 768px) { .fpay-nav__inner { padding: 0 24px; } }

.fpay-nav__logo {
  display: flex;
  align-items: center;
  flex-shrink: 0;
  text-decoration: none;
}
.fpay-nav__logo svg {
  height: 32px;
  width: auto;
}
.fpay-nav__logo img {
  height: 32px;
  width: auto;
  max-width: 180px;
}

.fpay-nav__links {
  display: flex;
  align-items: center;
  gap: 4px;
  flex: 1;
  justify-content: center;
}
.fpay-nav__link {
  display: inline-flex;
  align-items: center;
  padding: 8px 14px;
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: 0.875rem;
  font-weight: 500;
  color: var(--fpay-text);
  border-radius: 8px;
  transition: color var(--fpay-transition), background var(--fpay-transition);
  text-decoration: none;
}
.fpay-nav__link:hover {
  color: var(--fpay-navy);
  background: var(--fpay-surface);
}
.fpay-nav__ctas {
  display: flex;
  align-items: center;
  gap: 10px;
  flex-shrink: 0;
}

/* Mobile nav */
.fpay-nav__hamburger {
  display: none;
  background: transparent;
  border: none;
  padding: 8px;
  cursor: pointer;
  margin-left: auto;
  color: var(--fpay-navy);
}
.fpay-nav__hamburger span {
  display: block;
  width: 22px;
  height: 2px;
  background: currentColor;
  margin: 5px 0;
  border-radius: 2px;
  transition: all 0.25s;
}
.fpay-nav__mobile-menu {
  display: none;
  position: fixed;
  top: 0;
  right: 0;
  width: 300px;
  height: 100vh;
  background: #FFFFFF;
  box-shadow: -4px 0 32px rgba(14,26,43,0.15);
  z-index: 1100;
  padding: 80px 32px 40px;
  flex-direction: column;
  gap: 4px;
  overflow-y: auto;
  transform: translateX(100%);
  transition: transform 0.3s ease;
}
.fpay-nav__mobile-menu.is-open {
  transform: translateX(0);
}
.fpay-nav__mobile-overlay {
  display: none;
  position: fixed;
  inset: 0;
  background: rgba(14,26,43,0.4);
  z-index: 1050;
  opacity: 0;
  transition: opacity 0.3s;
}
.fpay-nav__mobile-overlay.is-open {
  opacity: 1;
}
.fpay-nav__mobile-link {
  display: block;
  padding: 12px 0;
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: 1rem;
  font-weight: 500;
  color: var(--fpay-text);
  border-bottom: 1px solid var(--fpay-border);
  text-decoration: none;
}
.fpay-nav__mobile-link:last-child { border-bottom: none; }
.fpay-nav__mobile-ctas {
  margin-top: 24px;
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.fpay-nav__mobile-close {
  position: absolute;
  top: 20px;
  right: 20px;
  background: none;
  border: none;
  font-size: 1.5rem;
  color: var(--fpay-text);
  cursor: pointer;
  padding: 8px;
  line-height: 1;
}

@media (max-width: 900px) {
  .fpay-nav__links, .fpay-nav__ctas { display: none; }
  .fpay-nav__hamburger { display: block; }
  .fpay-nav__mobile-menu { display: flex; }
  .fpay-nav__mobile-overlay { display: block; }
}

/* === FOOTER === */
.fpay-footer {
  background: var(--fpay-navy);
  color: rgba(255,255,255,0.85);
  padding: 64px 0 0;
}
.fpay-footer__grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr;
  gap: 48px;
  padding-bottom: 48px;
}
@media (max-width: 900px) {
  .fpay-footer__grid {
    grid-template-columns: 1fr 1fr;
    gap: 32px;
  }
}
@media (max-width: 600px) {
  .fpay-footer__grid {
    grid-template-columns: 1fr;
    gap: 32px;
  }
}

.fpay-footer__logo-svg {
  height: 32px;
  width: auto;
  margin-bottom: 16px;
}
.fpay-footer__tagline {
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-weight: 700;
  font-size: 1rem;
  color: #FFFFFF;
  margin-bottom: 12px;
}
.fpay-footer__address {
  font-size: 0.875rem;
  color: rgba(255,255,255,0.6);
  line-height: 1.7;
}
.fpay-footer__nca {
  font-size: 0.75rem;
  color: rgba(255,255,255,0.4);
  margin-top: 16px;
  line-height: 1.6;
  border-top: 1px solid rgba(255,255,255,0.1);
  padding-top: 12px;
}
.fpay-footer__col-heading {
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: 0.8125rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.45);
  margin-bottom: 16px;
}
.fpay-footer__link {
  display: block;
  font-size: 0.9375rem;
  color: rgba(255,255,255,0.7);
  padding: 6px 0;
  transition: color var(--fpay-transition);
  text-decoration: none;
}
.fpay-footer__link:hover { color: #FFFFFF; }
.fpay-footer__bottom {
  border-top: 1px solid rgba(255,255,255,0.1);
  padding: 24px 0;
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 12px;
}
.fpay-footer__copy {
  font-size: 0.8125rem;
  color: rgba(255,255,255,0.4);
}
.fpay-footer__legal-links {
  display: flex;
  flex-wrap: wrap;
  gap: 20px;
}
.fpay-footer__legal-link {
  font-size: 0.8125rem;
  color: rgba(255,255,255,0.4);
  transition: color var(--fpay-transition);
  text-decoration: none;
}
.fpay-footer__legal-link:hover { color: rgba(255,255,255,0.75); }

/* === COOKIE BANNER === */
.fpay-cookie {
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  z-index: 9999;
  background: var(--fpay-navy);
  border-top: 1px solid rgba(255,255,255,0.12);
  padding: 18px 80px;
  display: flex;
  align-items: center;
  gap: 24px;
  transform: translateY(100%);
  transition: transform 0.35s ease;
}
.fpay-cookie.is-visible { transform: translateY(0); }
.fpay-cookie__text {
  flex: 1;
  font-size: 0.875rem;
  color: rgba(255,255,255,0.75);
}
.fpay-cookie__text a {
  color: var(--fpay-green);
  text-decoration: underline;
}
.fpay-cookie__actions {
  display: flex;
  align-items: center;
  gap: 10px;
  flex-shrink: 0;
}
.fpay-cookie__accept {
  padding: 10px 20px;
  background: var(--fpay-green);
  color: #FFFFFF;
  border: none;
  border-radius: 50px;
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: 0.875rem;
  font-weight: 600;
  cursor: pointer;
  transition: background var(--fpay-transition);
}
.fpay-cookie__accept:hover { background: var(--fpay-green-dark); }
.fpay-cookie__essential {
  padding: 10px 20px;
  background: transparent;
  color: rgba(255,255,255,0.7);
  border: 1px solid rgba(255,255,255,0.25);
  border-radius: 50px;
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: 0.875rem;
  font-weight: 500;
  cursor: pointer;
  transition: all var(--fpay-transition);
}
.fpay-cookie__essential:hover { color: #FFFFFF; border-color: rgba(255,255,255,0.6); }

body.fpay-cookie-visible { padding-bottom: 80px; }

@media (max-width: 768px) {
  .fpay-cookie {
    flex-direction: column;
    align-items: flex-start;
    padding: 16px 24px;
  }
  .fpay-cookie__actions { width: 100%; }
}

/* === HERO (INDEX — LIGHT) === */
.fpay-hero {
  background: var(--fpay-surface);
  padding: 80px 0 72px;
  overflow: hidden;
  position: relative;
}
.fpay-hero__inner {
  max-width: var(--fpay-max);
  margin: 0 auto;
  padding: 0 80px;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
}
@media (max-width: 1100px) { .fpay-hero__inner { padding: 0 48px; gap: 40px; } }
@media (max-width: 768px) {
  .fpay-hero__inner { padding: 0 24px; grid-template-columns: 1fr; }
}
.fpay-hero__eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: 0.8125rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--fpay-green-dark);
  background: var(--fpay-green-light);
  padding: 5px 14px;
  border-radius: 50px;
  margin-bottom: 20px;
}
.fpay-hero__h1 {
  color: var(--fpay-navy);
  margin-bottom: 20px;
}
.fpay-hero__h1 span { color: var(--fpay-green); }
.fpay-hero__sub {
  font-size: 1.125rem;
  color: var(--fpay-text-secondary);
  max-width: 500px;
  margin-bottom: 36px;
  line-height: 1.7;
}
.fpay-hero__ctas {
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
}
.fpay-hero__visual { display: flex; justify-content: center; align-items: center; }

/* === TRUST STRIP === */
.fpay-trust {
  background: #FFFFFF;
  border-top: 1px solid var(--fpay-border);
  border-bottom: 1px solid var(--fpay-border);
  padding: 20px 0;
  overflow: hidden;
}
.fpay-trust__inner {
  max-width: var(--fpay-max);
  margin: 0 auto;
  padding: 0 80px;
  display: flex;
  align-items: center;
  gap: 24px;
}
@media (max-width: 768px) { .fpay-trust__inner { padding: 0 24px; } }
.fpay-trust__label {
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: 0.8125rem;
  font-weight: 600;
  color: var(--fpay-text-muted);
  white-space: nowrap;
  flex-shrink: 0;
}
.fpay-trust__scroll-wrapper {
  flex: 1;
  overflow: hidden;
  mask-image: linear-gradient(90deg, transparent 0%, black 5%, black 95%, transparent 100%);
}
.fpay-trust__scroll {
  display: flex;
  gap: 40px;
  animation: fpay-scroll 30s linear infinite;
  width: max-content;
}
.fpay-trust__scroll:hover { animation-play-state: paused; }
.fpay-trust__merchant {
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--fpay-text-secondary);
  white-space: nowrap;
  padding: 6px 16px;
  background: var(--fpay-surface);
  border-radius: 50px;
  border: 1px solid var(--fpay-border);
}
@keyframes fpay-scroll {
  0% { transform: translateX(0); }
  100% { transform: translateX(-50%); }
}

/* === HOW IT WORKS PREVIEW === */
.fpay-hiw {
  padding: 80px 0;
  background: #FFFFFF;
}
.fpay-hiw__header {
  text-align: center;
  margin-bottom: 56px;
}
.fpay-hiw__steps {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2px;
  position: relative;
}
@media (max-width: 700px) {
  .fpay-hiw__steps { grid-template-columns: 1fr; gap: 12px; }
}
.fpay-hiw__step {
  background: var(--fpay-surface);
  border-radius: var(--fpay-radius);
  padding: 36px 28px;
  text-align: center;
  position: relative;
}
.fpay-hiw__step-num {
  width: 48px;
  height: 48px;
  background: var(--fpay-green);
  color: #FFFFFF;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: 1.25rem;
  font-weight: 800;
  margin: 0 auto 20px;
}
.fpay-hiw__step-title {
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: 1.125rem;
  font-weight: 700;
  color: var(--fpay-navy);
  margin-bottom: 8px;
}
.fpay-hiw__step-desc { font-size: 0.9375rem; color: var(--fpay-text-secondary); }

/* === DUAL AUDIENCE SPLIT === */
.fpay-split {
  padding: 80px 0;
  background: var(--fpay-surface);
}
.fpay-split__grid {
  display: grid;
  grid-template-columns: 60fr 40fr;
  gap: 24px;
}
@media (max-width: 900px) {
  .fpay-split__grid { grid-template-columns: 1fr; }
}
.fpay-split__panel {
  border-radius: var(--fpay-radius);
  padding: 48px;
  position: relative;
  overflow: hidden;
}
.fpay-split__panel--consumer {
  background: var(--fpay-green-tint);
  border: 1px solid var(--fpay-green-light);
}
.fpay-split__panel--merchant {
  background: var(--fpay-navy);
}
.fpay-split__panel-tag {
  display: inline-block;
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  padding: 4px 12px;
  border-radius: 50px;
  margin-bottom: 20px;
}
.fpay-split__panel--consumer .fpay-split__panel-tag {
  background: var(--fpay-green-light);
  color: var(--fpay-green-dark);
}
.fpay-split__panel--merchant .fpay-split__panel-tag {
  background: rgba(34,197,94,0.2);
  color: var(--fpay-green);
}
.fpay-split__panel-heading {
  margin-bottom: 16px;
}
.fpay-split__panel--consumer .fpay-split__panel-heading { color: var(--fpay-navy); }
.fpay-split__panel--merchant .fpay-split__panel-heading { color: #FFFFFF; }
.fpay-split__benefits { list-style: none; display: flex; flex-direction: column; gap: 12px; margin-bottom: 28px; }
.fpay-split__benefit {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 0.9375rem;
}
.fpay-split__panel--consumer .fpay-split__benefit { color: var(--fpay-text-secondary); }
.fpay-split__panel--merchant .fpay-split__benefit { color: rgba(255,255,255,0.75); }
.fpay-split__benefit-icon {
  width: 20px;
  height: 20px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  margin-top: 2px;
  font-size: 0.625rem;
}
.fpay-split__panel--consumer .fpay-split__benefit-icon {
  background: var(--fpay-green);
  color: #FFFFFF;
}
.fpay-split__panel--merchant .fpay-split__benefit-icon {
  background: rgba(34,197,94,0.2);
  color: var(--fpay-green);
}

/* === MERCHANT STATS === */
.fpay-merchant-stats {
  padding: 80px 0;
  background: #FFFFFF;
}
.fpay-merchant-stats__header { text-align: center; margin-bottom: 48px; }
.fpay-merchant-stats__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
@media (max-width: 768px) {
  .fpay-merchant-stats__grid { grid-template-columns: 1fr; }
}
.fpay-stat-card {
  background: var(--fpay-surface);
  border-radius: var(--fpay-radius);
  padding: 36px 32px;
  border: 1px solid var(--fpay-border);
}
.fpay-stat-card__number {
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: 2.5rem;
  font-weight: 800;
  color: var(--fpay-green);
  margin-bottom: 8px;
}
.fpay-stat-card__label {
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: 1rem;
  font-weight: 600;
  color: var(--fpay-navy);
  margin-bottom: 8px;
}
.fpay-stat-card__desc { font-size: 0.9rem; color: var(--fpay-text-secondary); }

/* === APP PREVIEW === */
.fpay-app-preview {
  padding: 80px 0;
  background: var(--fpay-surface);
  overflow: hidden;
}
.fpay-app-preview__inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
}
@media (max-width: 900px) {
  .fpay-app-preview__inner { grid-template-columns: 1fr; }
}
.fpay-app-preview__img {
  border-radius: var(--fpay-radius);
  overflow: hidden;
  box-shadow: var(--fpay-shadow-lg);
}
.fpay-app-preview__img img {
  width: 100%;
  height: auto;
  border-radius: var(--fpay-radius);
}

/* === TESTIMONIALS === */
.fpay-testimonials {
  padding: 80px 0;
  background: #FFFFFF;
}
.fpay-testimonials__header { text-align: center; margin-bottom: 48px; }
.fpay-testimonials__grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-bottom: 32px;
}
@media (max-width: 900px) {
  .fpay-testimonials__grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 600px) {
  .fpay-testimonials__grid { grid-template-columns: 1fr; }
}
.fpay-testimonials__grid--2col {
  grid-template-columns: repeat(2, 1fr);
  max-width: 840px;
  margin: 0 auto;
}
.fpay-testimonial-card {
  background: var(--fpay-surface);
  border-radius: var(--fpay-radius);
  padding: 28px;
  border: 1px solid var(--fpay-border);
  position: relative;
}
.fpay-testimonial-card__quote {
  font-size: 2rem;
  color: var(--fpay-green);
  line-height: 1;
  font-family: Georgia, serif;
  margin-bottom: 12px;
}
.fpay-testimonial-card__text {
  font-size: 0.9375rem;
  color: var(--fpay-text-secondary);
  line-height: 1.7;
  margin-bottom: 20px;
}
.fpay-testimonial-card__author {
  display: flex;
  align-items: center;
  gap: 12px;
}
.fpay-testimonial-card__avatar {
  width: 40px;
  height: 40px;
  border-radius: 50%;
  background: var(--fpay-green-light);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-weight: 700;
  font-size: 0.875rem;
  color: var(--fpay-green-dark);
  flex-shrink: 0;
}
.fpay-testimonial-card__name {
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--fpay-navy);
}
.fpay-testimonial-card__role {
  font-size: 0.8125rem;
  color: var(--fpay-text-muted);
}
.fpay-testimonials__subhead {
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-weight: 700;
  font-size: 1rem;
  color: var(--fpay-text-muted);
  text-align: center;
  margin: 36px 0 24px;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  font-size: 0.75rem;
}

/* === CTA BAND === */
.fpay-cta-band {
  background: var(--fpay-navy);
  padding: 80px 0;
}
.fpay-cta-band__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 48px;
  flex-wrap: wrap;
}
.fpay-cta-band__text h2 { color: #FFFFFF; margin-bottom: 12px; }
.fpay-cta-band__text p { color: rgba(255,255,255,0.65); max-width: 480px; }
.fpay-cta-band__actions { display: flex; gap: 12px; flex-wrap: wrap; align-items: center; }
@media (max-width: 768px) {
  .fpay-cta-band__inner { flex-direction: column; text-align: center; }
  .fpay-cta-band__actions { justify-content: center; }
}

/* === SUBPAGE HERO === */
.fpay-subhero {
  background: var(--fpay-surface);
  padding: 72px 0 64px;
  border-bottom: 1px solid var(--fpay-border);
}
.fpay-subhero__inner {
  max-width: var(--fpay-max);
  margin: 0 auto;
  padding: 0 80px;
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 48px;
  align-items: center;
}
@media (max-width: 1100px) { .fpay-subhero__inner { padding: 0 48px; } }
@media (max-width: 768px) {
  .fpay-subhero__inner { padding: 0 24px; grid-template-columns: 1fr; }
  .fpay-subhero__visual { display: none; }
}
.fpay-subhero__eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--fpay-green-dark);
  background: var(--fpay-green-light);
  padding: 4px 12px;
  border-radius: 50px;
  margin-bottom: 16px;
}
.fpay-subhero h1 { margin-bottom: 16px; }
.fpay-subhero__sub {
  font-size: 1.0625rem;
  color: var(--fpay-text-secondary);
  max-width: 560px;
  margin-bottom: 28px;
}
.fpay-subhero__stats {
  display: flex;
  flex-direction: column;
  gap: 16px;
}
.fpay-subhero__stat {
  text-align: center;
  background: #FFFFFF;
  border: 1px solid var(--fpay-border);
  border-radius: var(--fpay-radius-sm);
  padding: 20px 28px;
  min-width: 140px;
}
.fpay-subhero__stat-num {
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: 1.75rem;
  font-weight: 800;
  color: var(--fpay-green);
}
.fpay-subhero__stat-label {
  font-size: 0.8125rem;
  color: var(--fpay-text-muted);
  font-weight: 500;
}

/* === MERCHANT HERO (DARK) === */
.fpay-merchant-hero {
  background: var(--fpay-navy);
  padding: 80px 0;
  overflow: hidden;
}
.fpay-merchant-hero__inner {
  max-width: var(--fpay-max);
  margin: 0 auto;
  padding: 0 80px;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
}
@media (max-width: 1100px) { .fpay-merchant-hero__inner { padding: 0 48px; } }
@media (max-width: 768px) {
  .fpay-merchant-hero__inner { padding: 0 24px; grid-template-columns: 1fr; }
}
.fpay-merchant-hero__eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--fpay-green);
  background: rgba(34,197,94,0.15);
  padding: 4px 12px;
  border-radius: 50px;
  margin-bottom: 20px;
}
.fpay-merchant-hero h1 { color: #FFFFFF; margin-bottom: 20px; }
.fpay-merchant-hero h1 span { color: var(--fpay-green); }
.fpay-merchant-hero__sub {
  font-size: 1.125rem;
  color: rgba(255,255,255,0.65);
  max-width: 500px;
  margin-bottom: 36px;
}

/* === GENERIC CARDS === */
.fpay-card {
  background: var(--fpay-card);
  border-radius: var(--fpay-radius);
  padding: 32px;
  border: 1px solid var(--fpay-border);
  box-shadow: var(--fpay-shadow);
  transition: box-shadow var(--fpay-transition), transform var(--fpay-transition);
}
.fpay-card:hover {
  box-shadow: var(--fpay-shadow-lg);
  transform: translateY(-2px);
}
.fpay-card__icon {
  width: 48px;
  height: 48px;
  border-radius: 12px;
  background: var(--fpay-green-tint);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.25rem;
  color: var(--fpay-green-dark);
  margin-bottom: 20px;
}
.fpay-card__icon--navy {
  background: rgba(30,58,82,0.1);
  color: var(--fpay-navy-mid);
}
.fpay-card__title {
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: 1.0625rem;
  font-weight: 700;
  color: var(--fpay-navy);
  margin-bottom: 10px;
}
.fpay-card__text { font-size: 0.9rem; color: var(--fpay-text-secondary); }

.fpay-cards-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}
@media (max-width: 1000px) { .fpay-cards-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 600px) { .fpay-cards-grid { grid-template-columns: 1fr; } }
.fpay-cards-grid--3 { grid-template-columns: repeat(3, 1fr); }
@media (max-width: 900px) { .fpay-cards-grid--3 { grid-template-columns: 1fr 1fr; } }
@media (max-width: 600px) { .fpay-cards-grid--3 { grid-template-columns: 1fr; } }

/* === FAQ ACCORDION === */
.fpay-faq__item {
  border-bottom: 1px solid var(--fpay-border);
  overflow: hidden;
}
.fpay-faq__question {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  width: 100%;
  padding: 20px 0;
  background: none;
  border: none;
  text-align: left;
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: 1rem;
  font-weight: 600;
  color: var(--fpay-navy);
  cursor: pointer;
}
.fpay-faq__question:hover { color: var(--fpay-green-dark); }
.fpay-faq__icon {
  width: 24px;
  height: 24px;
  border-radius: 50%;
  background: var(--fpay-surface);
  border: 1px solid var(--fpay-border);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  font-size: 0.875rem;
  color: var(--fpay-text-secondary);
  transition: transform var(--fpay-transition), background var(--fpay-transition);
}
.fpay-faq__item.is-open .fpay-faq__icon {
  transform: rotate(45deg);
  background: var(--fpay-green);
  color: #FFFFFF;
  border-color: var(--fpay-green);
}
.fpay-faq__answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.3s ease, padding 0.3s ease;
  font-size: 0.9375rem;
  color: var(--fpay-text-secondary);
  line-height: 1.7;
}
.fpay-faq__answer--inner { padding: 0 0 20px; }
.fpay-faq__item.is-open .fpay-faq__answer { max-height: 300px; }

/* === PRICING TABLE === */
.fpay-pricing-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  align-items: start;
}
@media (max-width: 900px) { .fpay-pricing-grid { grid-template-columns: 1fr; max-width: 460px; margin: 0 auto; } }
.fpay-pricing-card {
  background: var(--fpay-card);
  border-radius: var(--fpay-radius);
  padding: 36px 28px;
  border: 1px solid var(--fpay-border);
  position: relative;
}
.fpay-pricing-card--featured {
  border-color: var(--fpay-green);
  border-width: 2px;
  transform: translateY(-8px);
  box-shadow: var(--fpay-shadow-lg);
}
.fpay-pricing-card__badge {
  position: absolute;
  top: -14px;
  left: 50%;
  transform: translateX(-50%);
  background: var(--fpay-green);
  color: #FFFFFF;
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: 0.75rem;
  font-weight: 700;
  padding: 4px 16px;
  border-radius: 50px;
  white-space: nowrap;
}
.fpay-pricing-card__name {
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: 0.875rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: var(--fpay-text-muted);
  margin-bottom: 12px;
}
.fpay-pricing-card__mdr {
  font-family: 'JetBrains Mono', monospace;
  font-size: 2.5rem;
  font-weight: 500;
  color: var(--fpay-navy);
  margin-bottom: 4px;
}
.fpay-pricing-card__mdr-label {
  font-size: 0.875rem;
  color: var(--fpay-text-muted);
  margin-bottom: 16px;
}
.fpay-pricing-card__monthly {
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--fpay-text-secondary);
  margin-bottom: 24px;
  padding-bottom: 20px;
  border-bottom: 1px solid var(--fpay-border);
}
.fpay-pricing-card__features { display: flex; flex-direction: column; gap: 10px; margin-bottom: 28px; }
.fpay-pricing-card__feature {
  display: flex;
  align-items: flex-start;
  gap: 8px;
  font-size: 0.9rem;
  color: var(--fpay-text-secondary);
}
.fpay-pricing-card__feature-check {
  color: var(--fpay-green);
  font-size: 0.75rem;
  margin-top: 3px;
  flex-shrink: 0;
}

/* === FORM === */
.fpay-form { display: flex; flex-direction: column; gap: 20px; }
.fpay-form__group { display: flex; flex-direction: column; gap: 6px; }
.fpay-form__label {
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--fpay-navy);
}
.fpay-form__input,
.fpay-form__select,
.fpay-form__textarea {
  width: 100%;
  padding: 12px 16px;
  border: 1px solid var(--fpay-border);
  border-radius: var(--fpay-radius-sm);
  font-size: 0.9375rem;
  color: var(--fpay-text);
  background: #FFFFFF;
  transition: border-color var(--fpay-transition), box-shadow var(--fpay-transition);
}
.fpay-form__input:focus,
.fpay-form__select:focus,
.fpay-form__textarea:focus {
  outline: none;
  border-color: var(--fpay-green);
  box-shadow: 0 0 0 3px rgba(34,197,94,0.15);
}
.fpay-form__textarea { resize: vertical; min-height: 120px; }
.fpay-form__select { appearance: none; background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' fill='%238CA0B3' viewBox='0 0 16 16'%3E%3Cpath d='M7.247 11.14L2.451 5.658C1.885 5.013 2.345 4 3.204 4h9.592a1 1 0 0 1 .753 1.659l-4.796 5.48a1 1 0 0 1-1.506 0z'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: calc(100% - 12px) center; }

/* === TEAM CARDS === */
.fpay-team-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 28px;
}
@media (max-width: 1000px) { .fpay-team-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 600px) { .fpay-team-grid { grid-template-columns: 1fr 1fr; } }
.fpay-team-card { text-align: center; }
.fpay-team-card__portrait {
  width: 100%;
  aspect-ratio: 1;
  border-radius: var(--fpay-radius);
  overflow: hidden;
  margin-bottom: 16px;
  background: var(--fpay-surface);
}
.fpay-team-card__portrait img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}
.fpay-team-card__name {
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: 1rem;
  font-weight: 700;
  color: var(--fpay-navy);
  margin-bottom: 4px;
}
.fpay-team-card__role {
  font-size: 0.875rem;
  color: var(--fpay-text-muted);
}

/* === BLOG CARDS === */
.fpay-blog-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}
@media (max-width: 1000px) { .fpay-blog-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 600px) { .fpay-blog-grid { grid-template-columns: 1fr; } }
.fpay-blog-card {
  background: var(--fpay-card);
  border-radius: var(--fpay-radius);
  border: 1px solid var(--fpay-border);
  overflow: hidden;
  transition: box-shadow var(--fpay-transition), transform var(--fpay-transition);
  text-decoration: none;
  display: block;
}
.fpay-blog-card:hover {
  box-shadow: var(--fpay-shadow-lg);
  transform: translateY(-3px);
}
.fpay-blog-card__img {
  width: 100%;
  aspect-ratio: 16/9;
  object-fit: cover;
  background: var(--fpay-surface);
}
.fpay-blog-card__body { padding: 24px; }
.fpay-blog-card__cat {
  display: inline-block;
  font-size: 0.75rem;
  font-weight: 700;
  font-family: 'Plus Jakarta Sans', sans-serif;
  letter-spacing: 0.06em;
  padding: 3px 10px;
  border-radius: 50px;
  margin-bottom: 10px;
  background: var(--fpay-green-light);
  color: var(--fpay-green-dark);
}
.fpay-blog-card__cat--merchant { background: rgba(14,26,43,0.07); color: var(--fpay-navy-mid); }
.fpay-blog-card__cat--industry { background: rgba(234,179,8,0.1); color: #854D0E; }
.fpay-blog-card__cat--product { background: rgba(99,102,241,0.1); color: #4338CA; }
.fpay-blog-card__title {
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: 1rem;
  font-weight: 700;
  color: var(--fpay-navy);
  line-height: 1.4;
  margin-bottom: 10px;
}
.fpay-blog-card:hover .fpay-blog-card__title { color: var(--fpay-green-dark); }
.fpay-blog-card__meta {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.8125rem;
  color: var(--fpay-text-muted);
}
.fpay-blog-card__meta-sep { color: var(--fpay-border); }

/* === BLOG ARTICLE === */
.fpay-article {
  max-width: 760px;
  margin: 0 auto;
  padding: 64px 80px;
}
@media (max-width: 1000px) { .fpay-article { padding: 48px; } }
@media (max-width: 768px) { .fpay-article { padding: 32px 24px; } }
.fpay-article__cover {
  width: 100%;
  border-radius: var(--fpay-radius);
  margin-bottom: 40px;
  aspect-ratio: 16/9;
  object-fit: cover;
}
.fpay-article__cat {
  display: inline-block;
  font-size: 0.75rem;
  font-weight: 700;
  font-family: 'Plus Jakarta Sans', sans-serif;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  padding: 4px 12px;
  border-radius: 50px;
  background: var(--fpay-green-light);
  color: var(--fpay-green-dark);
  margin-bottom: 16px;
}
.fpay-article h1 {
  font-size: clamp(1.75rem, 4vw, 2.5rem);
  margin-bottom: 20px;
}
.fpay-article__meta {
  display: flex;
  align-items: center;
  gap: 16px;
  font-size: 0.875rem;
  color: var(--fpay-text-muted);
  margin-bottom: 40px;
  padding-bottom: 28px;
  border-bottom: 1px solid var(--fpay-border);
}
.fpay-article__body {
  font-size: 1.0625rem;
  line-height: 1.8;
  color: var(--fpay-text-secondary);
}
.fpay-article__body h2 {
  font-size: 1.5rem;
  margin: 40px 0 16px;
  color: var(--fpay-navy);
}
.fpay-article__body h3 {
  font-size: 1.25rem;
  margin: 32px 0 12px;
  color: var(--fpay-navy);
}
.fpay-article__body p { margin-bottom: 20px; }
.fpay-article__body ul, .fpay-article__body ol {
  margin: 0 0 20px 24px;
  list-style: disc;
}
.fpay-article__body ol { list-style: decimal; }
.fpay-article__body li { margin-bottom: 8px; }
.fpay-article__body a { color: var(--fpay-green-dark); text-decoration: underline; }

/* === CONTACT SPLIT === */
.fpay-contact-split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: start;
}
@media (max-width: 900px) { .fpay-contact-split { grid-template-columns: 1fr; gap: 40px; } }
.fpay-contact-info-card {
  background: var(--fpay-surface);
  border-radius: var(--fpay-radius);
  padding: 32px;
  border: 1px solid var(--fpay-border);
}
.fpay-contact-info-item {
  display: flex;
  align-items: flex-start;
  gap: 16px;
  margin-bottom: 20px;
}
.fpay-contact-info-item:last-child { margin-bottom: 0; }
.fpay-contact-info-item__icon {
  width: 40px;
  height: 40px;
  background: var(--fpay-green-tint);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--fpay-green-dark);
  font-size: 1rem;
  flex-shrink: 0;
}
.fpay-contact-info-item__label {
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: 0.8125rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--fpay-text-muted);
  margin-bottom: 4px;
}
.fpay-contact-info-item__value {
  font-size: 0.9375rem;
  color: var(--fpay-text);
}

/* === LOGIN === */
.fpay-login-wrap {
  min-height: 100vh;
  display: flex;
  flex-direction: column;
  background: var(--fpay-surface);
}
.fpay-login-main {
  flex: 1;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 48px 24px;
}
.fpay-login-card {
  background: #FFFFFF;
  border-radius: var(--fpay-radius);
  padding: 48px 40px;
  border: 1px solid var(--fpay-border);
  box-shadow: var(--fpay-shadow-lg);
  width: 100%;
  max-width: 440px;
}
.fpay-login-card__logo { margin-bottom: 32px; display: flex; justify-content: center; }
.fpay-login-card__logo svg { height: 36px; width: auto; }
.fpay-login-card h1 {
  font-size: 1.5rem;
  text-align: center;
  margin-bottom: 8px;
}
.fpay-login-card__sub {
  text-align: center;
  font-size: 0.9rem;
  color: var(--fpay-text-muted);
  margin-bottom: 32px;
}
.fpay-login-card__links {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-top: -8px;
  margin-bottom: 24px;
}
.fpay-login-card__forgot { font-size: 0.875rem; color: var(--fpay-green-dark); text-decoration: none; }
.fpay-login-card__forgot:hover { text-decoration: underline; }
.fpay-login-card__signup {
  text-align: center;
  margin-top: 24px;
  font-size: 0.9rem;
  color: var(--fpay-text-muted);
  padding-top: 24px;
  border-top: 1px solid var(--fpay-border);
}
.fpay-login-card__signup a { color: var(--fpay-green-dark); font-weight: 600; }

/* === 404 === */
.fpay-404 {
  min-height: 70vh;
  display: flex;
  align-items: center;
  justify-content: center;
  text-align: center;
  padding: 80px 24px;
}
.fpay-404__num {
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: clamp(6rem, 20vw, 10rem);
  font-weight: 800;
  color: var(--fpay-green-light);
  line-height: 1;
  margin-bottom: 16px;
}
.fpay-404 h1 { margin-bottom: 16px; font-size: clamp(1.5rem, 3vw, 2rem); }
.fpay-404 p { color: var(--fpay-text-secondary); margin-bottom: 32px; }

/* === RESPONSIBLE LENDING === */
.fpay-rl-callout {
  background: var(--fpay-green-tint);
  border-top: 1px solid var(--fpay-green-light);
  border-bottom: 1px solid var(--fpay-green-light);
  padding: 0;
  margin-bottom: 0;
}
.fpay-rl-callout__inner {
  display: flex;
  gap: 20px;
  align-items: flex-start;
  padding: 28px 0;
}
.fpay-rl-callout__icon { flex-shrink: 0; margin-top: 2px; }
.fpay-rl-callout__heading {
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: 1rem;
  font-weight: 700;
  color: var(--fpay-navy);
  margin-bottom: 6px;
}
.fpay-rl-callout__text { font-size: 0.9375rem; color: var(--fpay-text-secondary); }
.fpay-rl-callout__text a { color: var(--fpay-green-dark); }

/* === LEGAL TABLE === */
.fpay-legal-table {
  width: 100%;
  border-collapse: collapse;
  margin-bottom: 20px;
  font-size: 0.875rem;
}
.fpay-legal-table th {
  background: var(--fpay-surface);
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-weight: 700;
  color: var(--fpay-navy);
  text-align: left;
  padding: 10px 14px;
  border: 1px solid var(--fpay-border);
}
.fpay-legal-table td {
  padding: 10px 14px;
  border: 1px solid var(--fpay-border);
  color: var(--fpay-text-secondary);
  vertical-align: top;
}
.fpay-legal-table code {
  font-family: 'JetBrains Mono', monospace;
  font-size: 0.8rem;
  background: var(--fpay-surface);
  padding: 2px 6px;
  border-radius: 4px;
  color: var(--fpay-navy);
}

.fpay-rl-callout__title {
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: 1rem;
  font-weight: 700;
  color: var(--fpay-navy);
  margin-bottom: 8px;
}
.fpay-rl-callout__text { font-size: 0.9375rem; color: var(--fpay-text-secondary); }
.fpay-rl-ncr {
  background: var(--fpay-navy);
  color: #FFFFFF;
  border-radius: var(--fpay-radius);
  padding: 28px 32px;
  display: flex;
  align-items: center;
  gap: 20px;
  margin-bottom: 32px;
}
.fpay-rl-ncr__icon {
  width: 48px;
  height: 48px;
  background: rgba(34,197,94,0.2);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--fpay-green);
  font-size: 1.25rem;
  flex-shrink: 0;
}
.fpay-rl-ncr__title {
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-weight: 700;
  color: #FFFFFF;
  margin-bottom: 4px;
}
.fpay-rl-ncr__number {
  font-family: 'JetBrains Mono', monospace;
  font-size: 1.5rem;
  color: var(--fpay-green);
  font-weight: 500;
}

/* === LEGAL PAGES === */
.fpay-legal-wrap {
  max-width: 820px;
  margin: 0 auto;
  padding: 0 80px;
}
@media (max-width: 1100px) { .fpay-legal-wrap { padding: 0 48px; } }
@media (max-width: 768px) { .fpay-legal-wrap { padding: 0 24px; } }
.fpay-legal-section {
  padding: 64px 0;
}
.fpay-legal-section h2 {
  font-size: 1.375rem;
  margin: 36px 0 12px;
  color: var(--fpay-navy);
}
.fpay-legal-section h2:first-child { margin-top: 0; }
.fpay-legal-section h3 {
  font-size: 1.125rem;
  margin: 24px 0 8px;
  color: var(--fpay-navy);
}
.fpay-legal-section p {
  margin-bottom: 16px;
  font-size: 0.9375rem;
  color: var(--fpay-text-secondary);
}
.fpay-legal-section ul {
  list-style: disc;
  padding-left: 24px;
  margin-bottom: 16px;
}
.fpay-legal-section li {
  margin-bottom: 6px;
  font-size: 0.9375rem;
  color: var(--fpay-text-secondary);
}
.fpay-legal-section a { color: var(--fpay-green-dark); text-decoration: underline; }
.fpay-legal-header {
  background: var(--fpay-surface);
  padding: 48px 0 40px;
  border-bottom: 1px solid var(--fpay-border);
}
.fpay-legal-header h1 { margin-bottom: 8px; }
.fpay-legal-header__meta {
  font-size: 0.9rem;
  color: var(--fpay-text-muted);
}

/* === LIGHT-TOP PAGES (nav force-solid) === */
body.fpay-light-top .fpay-nav {
  background: rgba(255,255,255,0.97);
  box-shadow: 0 1px 0 var(--fpay-border);
}

/* === PROCESS STEP FLOW === */
.fpay-process-flow {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 8px;
  position: relative;
}
@media (max-width: 900px) { .fpay-process-flow { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 500px) { .fpay-process-flow { grid-template-columns: 1fr; } }
.fpay-process-step {
  background: var(--fpay-surface);
  border-radius: var(--fpay-radius);
  padding: 28px 24px;
  position: relative;
}
.fpay-process-step__num {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: var(--fpay-green);
  color: #FFFFFF;
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-weight: 700;
  font-size: 0.9rem;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 16px;
}
.fpay-process-step__title {
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-weight: 700;
  font-size: 1rem;
  color: var(--fpay-navy);
  margin-bottom: 8px;
}
.fpay-process-step__desc { font-size: 0.875rem; color: var(--fpay-text-secondary); }

/* === INTEGRATION GRID === */
.fpay-integration-grid {
  display: grid;
  grid-template-columns: repeat(6, 1fr);
  gap: 16px;
}
@media (max-width: 900px) { .fpay-integration-grid { grid-template-columns: repeat(3, 1fr); } }
@media (max-width: 500px) { .fpay-integration-grid { grid-template-columns: repeat(2, 1fr); } }
.fpay-integration-chip {
  background: var(--fpay-card);
  border: 1px solid var(--fpay-border);
  border-radius: var(--fpay-radius-sm);
  padding: 16px 12px;
  text-align: center;
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: 0.8125rem;
  font-weight: 600;
  color: var(--fpay-text);
  transition: border-color var(--fpay-transition), box-shadow var(--fpay-transition);
}
.fpay-integration-chip:hover {
  border-color: var(--fpay-green);
  box-shadow: 0 2px 8px rgba(34,197,94,0.12);
}
.fpay-integration-chip__icon {
  font-size: 1.5rem;
  margin-bottom: 8px;
  display: block;
}

/* === TERMS/FEE TABLE === */
.fpay-fee-table {
  width: 100%;
  border-collapse: collapse;
  margin-bottom: 24px;
}
.fpay-fee-table th {
  background: var(--fpay-surface);
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: 0.8125rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--fpay-text-muted);
  padding: 12px 16px;
  text-align: left;
  border-bottom: 2px solid var(--fpay-border);
}
.fpay-fee-table td {
  padding: 14px 16px;
  border-bottom: 1px solid var(--fpay-border);
  font-size: 0.9375rem;
  color: var(--fpay-text-secondary);
}
.fpay-fee-table tr:last-child td { border-bottom: none; }
.fpay-fee-table td:first-child {
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-weight: 600;
  color: var(--fpay-navy);
}

/* === MILESTONE TIMELINE === */
.fpay-timeline { display: flex; flex-direction: column; gap: 0; }
.fpay-timeline-item {
  display: flex;
  gap: 24px;
  padding-bottom: 32px;
  position: relative;
}
.fpay-timeline-item:last-child { padding-bottom: 0; }
.fpay-timeline-item::before {
  content: '';
  position: absolute;
  left: 19px;
  top: 36px;
  bottom: 0;
  width: 2px;
  background: var(--fpay-border);
}
.fpay-timeline-item:last-child::before { display: none; }
.fpay-timeline-dot {
  width: 40px;
  height: 40px;
  border-radius: 50%;
  background: var(--fpay-green);
  border: 4px solid var(--fpay-green-light);
  flex-shrink: 0;
  z-index: 1;
}
.fpay-timeline-content { padding-top: 8px; }
.fpay-timeline-date {
  font-family: 'JetBrains Mono', monospace;
  font-size: 0.8125rem;
  color: var(--fpay-text-muted);
  margin-bottom: 4px;
}
.fpay-timeline-title {
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-weight: 700;
  color: var(--fpay-navy);
  margin-bottom: 6px;
}
.fpay-timeline-desc { font-size: 0.9rem; color: var(--fpay-text-secondary); }

/* === BLOG CATEGORY FILTER === */
.fpay-cat-filter {
  display: flex;
  gap: 8px;
  flex-wrap: wrap;
  margin-bottom: 40px;
}
.fpay-cat-btn {
  padding: 8px 18px;
  border-radius: 50px;
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: 0.875rem;
  font-weight: 600;
  border: 1px solid var(--fpay-border);
  background: #FFFFFF;
  color: var(--fpay-text-secondary);
  cursor: pointer;
  transition: all var(--fpay-transition);
}
.fpay-cat-btn:hover, .fpay-cat-btn.is-active {
  background: var(--fpay-navy);
  border-color: var(--fpay-navy);
  color: #FFFFFF;
}

/* === FADE-IN ANIMATIONS === */
.fade-in {
  opacity: 0;
  transform: translateY(20px);
  transition: opacity 0.55s ease, transform 0.55s ease;
}
.fade-in.visible {
  opacity: 1;
  transform: translateY(0);
}

/* === VALUES GRID === */
.fpay-values-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}
@media (max-width: 900px) { .fpay-values-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 500px) { .fpay-values-grid { grid-template-columns: 1fr; } }
.fpay-value-card {
  padding: 32px 28px;
  background: var(--fpay-card);
  border-radius: var(--fpay-radius);
  border: 1px solid var(--fpay-border);
}
.fpay-value-card__num {
  font-family: 'JetBrains Mono', monospace;
  font-size: 2rem;
  font-weight: 500;
  color: var(--fpay-green-light);
  line-height: 1;
  margin-bottom: 16px;
}
.fpay-value-card__title {
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: 1.0625rem;
  font-weight: 700;
  color: var(--fpay-navy);
  margin-bottom: 10px;
}
.fpay-value-card__desc { font-size: 0.9rem; color: var(--fpay-text-secondary); }

/* === PARTNER FORM === */
.fpay-partner-form-wrap {
  max-width: 600px;
  margin: 0 auto;
  background: var(--fpay-card);
  border-radius: var(--fpay-radius);
  padding: 40px;
  border: 1px solid var(--fpay-border);
  box-shadow: var(--fpay-shadow);
}

/* === API CODE BLOCK === */
.fpay-code-block {
  background: var(--fpay-navy);
  border-radius: var(--fpay-radius-sm);
  padding: 24px 28px;
  overflow-x: auto;
  margin-bottom: 24px;
}
.fpay-code-block code {
  font-family: 'JetBrains Mono', monospace;
  font-size: 0.875rem;
  color: rgba(255,255,255,0.85);
  line-height: 1.7;
  white-space: pre;
}
.fpay-code-block code .fpay-code-green { color: var(--fpay-green); }
.fpay-code-block code .fpay-code-muted { color: rgba(255,255,255,0.4); }

/* === ELIGIBILITY CHECKLIST === */
.fpay-checklist { display: flex; flex-direction: column; gap: 12px; }
.fpay-checklist-item {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  font-size: 0.9375rem;
  color: var(--fpay-text-secondary);
}
.fpay-checklist-icon {
  width: 24px;
  height: 24px;
  border-radius: 50%;
  background: var(--fpay-green);
  color: #FFFFFF;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.625rem;
  flex-shrink: 0;
  margin-top: 1px;
}
.fpay-checklist-icon--warn {
  background: #F59E0B;
}

/* === BLOG CARD FILTER (blog/index.html) === */
.fpay-blog-filter {
  display: flex;
  gap: 8px;
  flex-wrap: wrap;
}
.fpay-blog-filter__btn {
  padding: 8px 18px;
  border-radius: 50px;
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: 0.875rem;
  font-weight: 600;
  border: 1px solid var(--fpay-border);
  background: #FFFFFF;
  color: var(--fpay-text-secondary);
  cursor: pointer;
  transition: all var(--fpay-transition);
}
.fpay-blog-filter__btn:hover,
.fpay-blog-filter__btn--active {
  background: var(--fpay-navy);
  border-color: var(--fpay-navy);
  color: #FFFFFF;
}

/* === BLOG CARD === */
.fpay-blog-card {
  background: #FFFFFF;
  border-radius: var(--fpay-radius);
  border: 1px solid var(--fpay-border);
  overflow: hidden;
  display: flex;
  flex-direction: column;
  transition: box-shadow var(--fpay-transition), transform var(--fpay-transition);
}
.fpay-blog-card:hover {
  box-shadow: var(--fpay-shadow-lg);
  transform: translateY(-2px);
}
.fpay-blog-card__img-link { display: block; }
.fpay-blog-card__img {
  aspect-ratio: 16/9;
  overflow: hidden;
  background: var(--fpay-surface);
}
.fpay-blog-card__img img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.4s ease;
}
.fpay-blog-card:hover .fpay-blog-card__img img { transform: scale(1.04); }
.fpay-blog-card__body {
  padding: 24px;
  display: flex;
  flex-direction: column;
  flex: 1;
}
.fpay-blog-card__cat {
  display: inline-block;
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: 0.75rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--fpay-green-dark);
  margin-bottom: 10px;
}
.fpay-blog-card__title {
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: 1rem;
  font-weight: 700;
  color: var(--fpay-navy);
  margin-bottom: 10px;
  line-height: 1.4;
}
.fpay-blog-card__title a {
  color: inherit;
  text-decoration: none;
}
.fpay-blog-card__title a:hover { color: var(--fpay-green-dark); }
.fpay-blog-card__excerpt {
  font-size: 0.875rem;
  color: var(--fpay-text-secondary);
  line-height: 1.6;
  margin-bottom: 16px;
  flex: 1;
}
.fpay-blog-card__meta {
  font-size: 0.8125rem;
  color: var(--fpay-text-muted);
  padding-top: 14px;
  border-top: 1px solid var(--fpay-border);
}

/* === BLOG ARTICLE PAGE === */
.fpay-article {
  max-width: 820px;
  margin: 0 auto;
  padding: 0 40px 80px;
}
@media (max-width: 900px) { .fpay-article { padding: 0 24px 64px; } }
.fpay-article__header {
  padding: 64px 0 40px;
}
.fpay-article__header-inner { max-width: 720px; }
.fpay-article__back {
  display: inline-block;
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--fpay-green-dark);
  text-decoration: none;
  margin-bottom: 20px;
}
.fpay-article__back:hover { text-decoration: underline; }
.fpay-article__cat {
  display: inline-block;
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: 0.75rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--fpay-green-dark);
  margin-bottom: 12px;
}
.fpay-article__title {
  font-family: 'Plus Jakarta Sans', sans-serif;
  font-size: clamp(1.75rem, 4vw, 2.5rem);
  font-weight: 800;
  color: var(--fpay-navy);
  line-height: 1.15;
  margin-bottom: 20px;
}
.fpay-article__meta {
  font-size: 0.875rem;
  color: var(--fpay-text-muted);
  display: flex;
  gap: 8px;
  align-items: center;
}
.fpay-article__meta-sep { color: var(--fpay-border); }
.fpay-article__cover {
  border-radius: var(--fpay-radius);
  overflow: hidden;
  margin-bottom: 48px;
}
.fpay-article__cover img {
  width: 100%;
  aspect-ratio: 16/8;
  object-fit: cover;
}
.fpay-article__body {
  font-size: 1rem;
  line-height: 1.75;
  color: var(--fpay-text-secondary);
}
.fpay-article__body h2 { font-size: 1.4rem; color: var(--fpay-navy); margin: 36px 0 14px; }
.fpay-article__body h3 { font-size: 1.15rem; color: var(--fpay-navy); margin: 24px 0 10px; }
.fpay-article__body p { margin-bottom: 18px; }
.fpay-article__body ul, .fpay-article__body ol { padding-left: 24px; margin-bottom: 18px; }
.fpay-article__body li { margin-bottom: 8px; }
.fpay-article__body a { color: var(--fpay-green-dark); text-decoration: underline; }
.fpay-article__body strong { color: var(--fpay-navy); font-weight: 700; }
.fpay-article__footer {
  padding-top: 40px;
  margin-top: 48px;
  border-top: 1px solid var(--fpay-border);
}

/* === NAV ACTIVE STATE === */
.fpay-nav__link--active {
  color: var(--fpay-green-dark);
  font-weight: 700;
}

/* === UTILITY === */
.fpay-text-center { text-align: center; }
.fpay-mb-12 { margin-bottom: 12px; }
.fpay-mb-16 { margin-bottom: 16px; }
.fpay-mb-24 { margin-bottom: 24px; }
.fpay-mb-32 { margin-bottom: 32px; }
.fpay-mb-48 { margin-bottom: 48px; }
.fpay-mb-56 { margin-bottom: 56px; }
.fpay-mt-32 { margin-top: 32px; }
.fpay-mt-48 { margin-top: 48px; }
.fpay-sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0,0,0,0);
  white-space: nowrap;
  border: 0;
}
.visually-hidden {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0,0,0,0);
  white-space: nowrap;
  border: 0;
}