/* ===================================================
   Ace Payment Services — Global Stylesheet
   =================================================== */

*, *::before, *::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

:root {
  --navy: #0F2A5C;
  --navy-dark: #091d42;
  --blue: #1A56DB;
  --blue-light: #3B7BF8;
  --gray-50: #F8FAFC;
  --gray-100: #F1F5F9;
  --gray-200: #E2E8F0;
  --gray-400: #94A3B8;
  --gray-600: #475569;
  --gray-700: #334155;
  --gray-900: #0F172A;
  --white: #FFFFFF;
  --font: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  --radius: 8px;
  --max-w: 1100px;
  --shadow: 0 1px 3px rgba(0,0,0,.08), 0 4px 16px rgba(0,0,0,.06);
}

html { scroll-behavior: smooth; }

body {
  font-family: var(--font);
  font-size: 16px;
  line-height: 1.6;
  color: var(--gray-700);
  background: var(--white);
}

a {
  color: var(--blue);
  text-decoration: none;
}
a:hover { text-decoration: underline; }

img { max-width: 100%; }

/* ── Skip link ─────────────────────────────────────── */
.skip-link {
  position: absolute;
  top: -100%;
  left: 1rem;
  background: var(--navy);
  color: var(--white);
  padding: .5rem 1rem;
  border-radius: var(--radius);
  font-size: .875rem;
  z-index: 9999;
  transition: top .2s;
}
.skip-link:focus { top: 1rem; }

/* ── Navigation ────────────────────────────────────── */
nav {
  background: var(--white);
  border-bottom: 1px solid var(--gray-200);
  position: sticky;
  top: 0;
  z-index: 100;
  box-shadow: 0 1px 6px rgba(0,0,0,.06);
}

.nav-inner {
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 0 1.5rem;
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 64px;
}

.nav-logo {
  display: flex;
  align-items: center;
  gap: .625rem;
  color: var(--navy);
  font-weight: 700;
  font-size: 1.125rem;
  text-decoration: none;
}

.nav-logo svg {
  flex-shrink: 0;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: .125rem;
  list-style: none;
}

.nav-links a {
  color: var(--gray-700);
  font-size: .9rem;
  font-weight: 500;
  padding: .5rem .75rem;
  border-radius: var(--radius);
  transition: background .15s, color .15s;
  text-decoration: none;
}
.nav-links a:hover,
.nav-links a.active {
  background: var(--gray-100);
  color: var(--navy);
}

.nav-cta {
  background: var(--blue) !important;
  color: var(--white) !important;
  padding: .5rem 1.125rem !important;
  border-radius: var(--radius) !important;
  font-weight: 600 !important;
  transition: background .15s !important;
}
.nav-cta:hover { background: var(--navy) !important; text-decoration: none !important; }

/* Hamburger */
.nav-toggle {
  display: none;
  background: none;
  border: none;
  cursor: pointer;
  padding: .5rem;
  color: var(--navy);
}

@media (max-width: 768px) {
  .nav-toggle { display: flex; }
  .nav-links {
    display: none;
    position: absolute;
    top: 64px;
    left: 0;
    right: 0;
    background: var(--white);
    flex-direction: column;
    align-items: stretch;
    border-bottom: 1px solid var(--gray-200);
    padding: 1rem 1.5rem;
    gap: .25rem;
    box-shadow: 0 8px 24px rgba(0,0,0,.1);
  }
  .nav-links.open { display: flex; }
  .nav-links a { padding: .75rem 1rem; }
}

/* ── Hero ──────────────────────────────────────────── */
.hero {
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 60%, #1a3a7a 100%);
  color: var(--white);
  padding: 5rem 1.5rem 4rem;
  position: relative;
  overflow: hidden;
}

.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse at 70% 50%, rgba(59,123,248,.18) 0%, transparent 65%);
  pointer-events: none;
}

.hero-inner {
  max-width: var(--max-w);
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 3rem;
  align-items: center;
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: .5rem;
  background: rgba(255,255,255,.12);
  border: 1px solid rgba(255,255,255,.25);
  color: #a5c8ff;
  font-size: .8125rem;
  font-weight: 600;
  letter-spacing: .04em;
  text-transform: uppercase;
  padding: .375rem .875rem;
  border-radius: 100px;
  margin-bottom: 1.25rem;
}

.hero h1 {
  font-size: clamp(2rem, 4vw, 2.875rem);
  font-weight: 800;
  line-height: 1.15;
  letter-spacing: -.02em;
  margin-bottom: 1.25rem;
  color: var(--white);
}

.hero-sub {
  font-size: 1.125rem;
  color: rgba(255,255,255,.75);
  margin-bottom: 2rem;
  max-width: 480px;
}

.hero-actions {
  display: flex;
  gap: 1rem;
  flex-wrap: wrap;
}

.btn-primary {
  display: inline-flex;
  align-items: center;
  gap: .5rem;
  background: var(--blue);
  color: var(--white);
  font-weight: 600;
  font-size: .9375rem;
  padding: .75rem 1.5rem;
  border-radius: var(--radius);
  border: none;
  cursor: pointer;
  transition: background .2s, transform .1s;
  text-decoration: none;
}
.btn-primary:hover { background: #1649c7; transform: translateY(-1px); text-decoration: none; }

.btn-outline {
  display: inline-flex;
  align-items: center;
  gap: .5rem;
  background: transparent;
  color: var(--white);
  font-weight: 600;
  font-size: .9375rem;
  padding: .75rem 1.5rem;
  border-radius: var(--radius);
  border: 1.5px solid rgba(255,255,255,.45);
  cursor: pointer;
  transition: background .2s, border-color .2s;
  text-decoration: none;
}
.btn-outline:hover { background: rgba(255,255,255,.1); border-color: rgba(255,255,255,.7); text-decoration: none; }

.hero-card {
  background: rgba(255,255,255,.07);
  border: 1px solid rgba(255,255,255,.15);
  border-radius: 12px;
  padding: 1.75rem;
  backdrop-filter: blur(8px);
}

.hero-card-header {
  display: flex;
  align-items: center;
  gap: .875rem;
  margin-bottom: 1.25rem;
  padding-bottom: 1.25rem;
  border-bottom: 1px solid rgba(255,255,255,.1);
}

.hero-card-icon {
  width: 42px;
  height: 42px;
  background: rgba(26,86,219,.35);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: #93b8ff;
  flex-shrink: 0;
}

.hero-card h3 { color: var(--white); font-size: 1rem; font-weight: 600; }
.hero-card p { color: rgba(255,255,255,.6); font-size: .8125rem; }

.hero-card-stat {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: .625rem;
  font-size: .875rem;
}

.stat-label { color: rgba(255,255,255,.55); }
.stat-value { color: var(--white); font-weight: 600; }
.stat-badge {
  background: rgba(16,185,129,.2);
  color: #6ee7b7;
  padding: .2rem .625rem;
  border-radius: 100px;
  font-size: .75rem;
  font-weight: 600;
}

.hero-card-note {
  margin-top: 1rem;
  padding-top: 1rem;
  border-top: 1px solid rgba(255,255,255,.1);
  font-size: .75rem;
  color: rgba(255,255,255,.45);
  line-height: 1.5;
}

@media (max-width: 768px) {
  .hero-inner { grid-template-columns: 1fr; }
  .hero-card { display: none; }
  .hero { padding: 3rem 1.5rem; }
}

/* ── Trust bar ─────────────────────────────────────── */
.trust-bar {
  background: var(--gray-50);
  border-bottom: 1px solid var(--gray-200);
  padding: 1.25rem 1.5rem;
}

.trust-bar-inner {
  max-width: var(--max-w);
  margin: 0 auto;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 2.5rem;
  flex-wrap: wrap;
}

.trust-item {
  display: flex;
  align-items: center;
  gap: .5rem;
  font-size: .875rem;
  color: var(--gray-600);
  font-weight: 500;
}

.trust-item svg { color: var(--blue); flex-shrink: 0; }

/* ── Section ───────────────────────────────────────── */
section {
  padding: 4rem 1.5rem;
}

.section-inner {
  max-width: var(--max-w);
  margin: 0 auto;
}

.section-label {
  font-size: .75rem;
  font-weight: 700;
  letter-spacing: .1em;
  text-transform: uppercase;
  color: var(--blue);
  margin-bottom: .625rem;
}

.section-title {
  font-size: clamp(1.625rem, 3vw, 2.125rem);
  font-weight: 800;
  color: var(--gray-900);
  line-height: 1.2;
  margin-bottom: 1rem;
}

.section-desc {
  font-size: 1.0625rem;
  color: var(--gray-600);
  max-width: 600px;
  margin-bottom: 2.5rem;
}

/* ── Cards ─────────────────────────────────────────── */
.card-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 1.25rem;
}

.card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: 12px;
  padding: 1.75rem;
  box-shadow: var(--shadow);
  transition: box-shadow .2s, transform .2s;
}
.card:hover { box-shadow: 0 4px 24px rgba(0,0,0,.1); transform: translateY(-2px); }

.card-icon {
  width: 44px;
  height: 44px;
  background: #EFF6FF;
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--blue);
  margin-bottom: 1rem;
}

.card h3 {
  font-size: 1.0625rem;
  font-weight: 700;
  color: var(--gray-900);
  margin-bottom: .5rem;
}

.card p {
  font-size: .9375rem;
  color: var(--gray-600);
  line-height: 1.6;
}

/* ── Compliance card ───────────────────────────────── */
.compliance-card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: 12px;
  padding: 1.75rem 2rem;
  box-shadow: var(--shadow);
  margin-bottom: 1.25rem;
}

.compliance-card-header {
  display: flex;
  align-items: flex-start;
  gap: 1rem;
  margin-bottom: 1.25rem;
  padding-bottom: 1.25rem;
  border-bottom: 1px solid var(--gray-100);
}

.compliance-icon {
  width: 44px;
  height: 44px;
  background: #EFF6FF;
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--blue);
  flex-shrink: 0;
}

.compliance-card-header h3 {
  font-size: 1.0625rem;
  font-weight: 700;
  color: var(--gray-900);
  margin-bottom: .25rem;
}

.compliance-card-header p { font-size: .875rem; color: var(--gray-600); }

.compliance-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
  margin-bottom: .75rem;
}

.compliance-field label {
  display: block;
  font-size: .75rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: .07em;
  color: var(--gray-400);
  margin-bottom: .25rem;
}

.compliance-field span {
  font-size: .9375rem;
  font-weight: 600;
  color: var(--gray-900);
}

.disclaimer-box {
  background: #FFF7ED;
  border: 1px solid #FDE68A;
  border-left: 4px solid #F59E0B;
  border-radius: var(--radius);
  padding: 1rem 1.25rem;
  font-size: .875rem;
  color: #78350F;
  line-height: 1.6;
  margin-top: 1.5rem;
}

.info-box {
  background: #EFF6FF;
  border: 1px solid #BFDBFE;
  border-left: 4px solid var(--blue);
  border-radius: var(--radius);
  padding: 1rem 1.25rem;
  font-size: .875rem;
  color: #1E3A8A;
  line-height: 1.6;
  margin-bottom: 1.5rem;
}

/* ── Alert / Risk boxes ────────────────────────────── */
.alert {
  border-radius: var(--radius);
  padding: 1.125rem 1.375rem;
  font-size: .9375rem;
  margin-bottom: 1.25rem;
  line-height: 1.65;
}
.alert-warning {
  background: #FFF7ED;
  border: 1px solid #FDE68A;
  border-left: 4px solid #F59E0B;
  color: #78350F;
}
.alert-info {
  background: #EFF6FF;
  border: 1px solid #BFDBFE;
  border-left: 4px solid var(--blue);
  color: #1E3A8A;
}

/* ── Page header ───────────────────────────────────── */
.page-header {
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 100%);
  color: var(--white);
  padding: 3.5rem 1.5rem;
  text-align: center;
}

.page-header-icon {
  width: 56px;
  height: 56px;
  background: rgba(255,255,255,.12);
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: #93b8ff;
  margin: 0 auto 1.25rem;
}

.page-header h1 {
  font-size: clamp(1.75rem, 4vw, 2.375rem);
  font-weight: 800;
  margin-bottom: .75rem;
}

.page-header p {
  font-size: 1.0625rem;
  color: rgba(255,255,255,.72);
  max-width: 580px;
  margin: 0 auto;
}

/* ── Prose ─────────────────────────────────────────── */
.prose { max-width: 760px; }

.prose h2 {
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--gray-900);
  margin: 2rem 0 .75rem;
  padding-bottom: .5rem;
  border-bottom: 2px solid var(--gray-100);
}

.prose h3 {
  font-size: 1.0625rem;
  font-weight: 600;
  color: var(--gray-900);
  margin: 1.5rem 0 .5rem;
}

.prose p { margin-bottom: 1rem; color: var(--gray-700); }

.prose ul {
  padding-left: 1.5rem;
  margin-bottom: 1rem;
}

.prose ul li {
  margin-bottom: .5rem;
  color: var(--gray-700);
}

.prose strong { color: var(--gray-900); }

/* ── Contact form ──────────────────────────────────── */
.form-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.25rem;
}

@media (max-width: 580px) {
  .form-grid { grid-template-columns: 1fr; }
}

.form-group {
  display: flex;
  flex-direction: column;
  gap: .375rem;
  margin-bottom: 1.25rem;
}

.form-group.full { grid-column: 1 / -1; }

.form-group label {
  font-size: .875rem;
  font-weight: 600;
  color: var(--gray-700);
}

.form-group input,
.form-group select,
.form-group textarea {
  border: 1.5px solid var(--gray-200);
  border-radius: var(--radius);
  padding: .75rem 1rem;
  font-size: .9375rem;
  font-family: var(--font);
  color: var(--gray-900);
  transition: border-color .2s, box-shadow .2s;
  background: var(--white);
  width: 100%;
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  outline: none;
  border-color: var(--blue);
  box-shadow: 0 0 0 3px rgba(26,86,219,.12);
}

.form-group textarea { resize: vertical; min-height: 140px; }

.form-note {
  font-size: .8125rem;
  color: var(--gray-400);
  margin-top: .375rem;
}

.btn-submit {
  display: inline-flex;
  align-items: center;
  gap: .5rem;
  background: var(--blue);
  color: var(--white);
  font-weight: 600;
  font-size: .9375rem;
  padding: .875rem 2rem;
  border-radius: var(--radius);
  border: none;
  cursor: pointer;
  transition: background .2s;
  font-family: var(--font);
}
.btn-submit:hover { background: #1649c7; }

/* ── Entity block ──────────────────────────────────── */
.entity-block {
  background: var(--navy);
  color: var(--white);
  border-radius: 12px;
  padding: 2rem;
  margin-bottom: 1.5rem;
}
.entity-block h3 { font-size: 1.0625rem; font-weight: 700; margin-bottom: .75rem; color: var(--white); }
.entity-block p { font-size: .9375rem; color: rgba(255,255,255,.75); line-height: 1.7; }
.entity-block address { font-style: normal; }

/* ── Steps ─────────────────────────────────────────── */
.steps { counter-reset: step; }

.step {
  display: flex;
  gap: 1.25rem;
  margin-bottom: 1.75rem;
}

.step-num {
  counter-increment: step;
  width: 36px;
  height: 36px;
  background: var(--blue);
  color: var(--white);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: .875rem;
  flex-shrink: 0;
  margin-top: .125rem;
}

.step-num::before { content: counter(step); }

.step-body h3 {
  font-size: 1.0625rem;
  font-weight: 700;
  color: var(--gray-900);
  margin-bottom: .375rem;
}

.step-body p { font-size: .9375rem; color: var(--gray-600); }

/* ── Two-col layout ────────────────────────────────── */
.two-col {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 2rem;
  align-items: start;
}

@media (max-width: 768px) {
  .two-col { grid-template-columns: 1fr; }
  .compliance-row { grid-template-columns: 1fr; }
}

/* ── Footer ────────────────────────────────────────── */
footer {
  background: var(--gray-900);
  color: rgba(255,255,255,.65);
}

.footer-main {
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 3rem 1.5rem 2rem;
  display: grid;
  grid-template-columns: 2fr 1fr 1fr;
  gap: 2.5rem;
}

@media (max-width: 640px) {
  .footer-main { grid-template-columns: 1fr; gap: 2rem; }
}

.footer-brand { }
.footer-brand-name {
  display: flex;
  align-items: center;
  gap: .625rem;
  color: var(--white);
  font-size: 1.0625rem;
  font-weight: 700;
  margin-bottom: .875rem;
}

.footer-brand p {
  font-size: .875rem;
  line-height: 1.6;
  max-width: 320px;
  margin-bottom: .625rem;
}

.footer-address {
  font-size: .8125rem;
  line-height: 1.7;
  color: rgba(255,255,255,.45);
}

.footer-col h4 {
  font-size: .8125rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .08em;
  color: var(--white);
  margin-bottom: 1rem;
}

.footer-col ul { list-style: none; }
.footer-col ul li { margin-bottom: .625rem; }
.footer-col ul a {
  font-size: .875rem;
  color: rgba(255,255,255,.55);
  text-decoration: none;
  transition: color .15s;
}
.footer-col ul a:hover { color: var(--white); }

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.08);
  max-width: var(--max-w);
  margin: 0 auto;
  padding: 1.25rem 1.5rem;
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: .8125rem;
  color: rgba(255,255,255,.35);
  flex-wrap: wrap;
  gap: .75rem;
}

.footer-disclaimer {
  max-width: var(--max-w);
  margin: 0 auto;
  padding: .5rem 1.5rem 1rem;
  font-size: .75rem;
  color: rgba(255,255,255,.22);
  line-height: 1.5;
  border-top: none;
}

/* ── Highlight tag ─────────────────────────────────── */
.tag {
  display: inline-block;
  background: #EFF6FF;
  color: var(--blue);
  font-size: .75rem;
  font-weight: 700;
  letter-spacing: .05em;
  text-transform: uppercase;
  padding: .25rem .75rem;
  border-radius: 100px;
  border: 1px solid #BFDBFE;
}

.tag-green {
  background: #F0FDF4;
  color: #166534;
  border-color: #BBF7D0;
}

/* ── Divider ───────────────────────────────────────── */
.divider {
  border: none;
  border-top: 1px solid var(--gray-200);
  margin: 2rem 0;
}

/* ── Bg alternating ────────────────────────────────── */
.bg-gray { background: var(--gray-50); }

/* ── Utility ───────────────────────────────────────── */
.text-center { text-align: center; }
.mb-0 { margin-bottom: 0; }
.mt-1 { margin-top: 1rem; }
.mt-2 { margin-top: 2rem; }