/* ===== Bylo Pay – Global Payment Platform ===== */

/* --- Reset & Base --- */
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{
  font-family:"Helvetica Neue",Helvetica,Arial,sans-serif;
  color:#2c2e2f;
  background:#fff;
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
}
a{text-decoration:none;color:inherit}
ul{list-style:none}
img{max-width:100%;display:block}
button{cursor:pointer;font-family:inherit}

/* --- Utility --- */
.container{max-width:1200px;margin:0 auto;padding:0 24px}
.section{padding:80px 0}
.section-alt{background:#f5f7fa}

/* ========== HEADER ========== */
.site-header{
  position:sticky;top:0;z-index:100;
  background:rgba(255,255,255,.97);
  border-bottom:1px solid #eaeced;
  backdrop-filter:blur(8px);
}
.header-inner{
  display:flex;align-items:center;justify-content:space-between;
  max-width:1200px;margin:0 auto;padding:0 24px;height:64px;
  position:static;
}
.brand{display:flex;align-items:center;gap:8px;font-size:22px;font-weight:700}
.brand .logo-mark{
  width:36px;height:36px;border-radius:8px;
  background:linear-gradient(135deg,#003087,#0070ba);
  display:flex;align-items:center;justify-content:center;
  color:#fff;font-weight:800;font-size:12px;
}
.brand .brand-pay{color:#003087}
.brand .brand-dude{color:#d4a017}
.nav-main{display:flex;gap:32px}
.nav-main a{font-size:15px;font-weight:500;color:#2c2e2f;padding:4px 0;transition:color .15s}
.nav-main a:hover{color:#0070ba}
.nav-actions{display:flex;align-items:center;gap:12px}
.btn{
  display:inline-flex;align-items:center;justify-content:center;
  padding:10px 24px;border-radius:24px;font-size:15px;font-weight:600;
  border:none;transition:all .15s ease;
}
.btn-outline{
  background:transparent;border:2px solid #2c2e2f;color:#2c2e2f;
}
.btn-outline:hover{background:#2c2e2f;color:#fff}
.btn-primary{background:#003087;color:#fff}
.btn-primary:hover{background:#001f5c}
.btn-signup-header{background:#4285f4;color:#fff;border:none;font-size:13px;padding:7px 18px;border-radius:20px;font-weight:600;transition:all .2s}
.btn-signup-header:hover{background:#3367d6;transform:scale(1.03)}
.btn-login-header{background:#fff;color:#2c2e2f;border:1.5px solid #d1d5db;font-size:13px;padding:7px 18px;border-radius:20px;font-weight:600;transition:all .2s}
.btn-login-header:hover{background:#f5f7fa;transform:scale(1.03)}
.btn-gold{background:#ffd140;color:#003087}
.btn-gold:hover{background:#f0c030}
.btn-blue{background:#0070ba;color:#fff}
.btn-blue:hover{background:#005ea6}
.btn-white{background:#fff;color:#003087;border:2px solid #003087}
.btn-white:hover{background:#f5f7fa}
.btn-teal{background:linear-gradient(135deg,#0c8a74,#0d4ea6);color:#fff;border:none}
.btn-teal:hover{opacity:.9}
.hamburger{display:none;background:none;border:none;font-size:28px;color:#003087}

/* ========== MEGA MENU ========== */
.nav-main{display:flex;gap:0}
.nav-item{position:relative;padding:0 16px}
.nav-item>a{
  font-size:15px;font-weight:500;color:#2c2e2f;padding:20px 0;
  display:flex;align-items:center;gap:4px;transition:color .15s;
}
.nav-item>a:hover{color:#0070ba}
.nav-item>a .arrow{font-size:10px;transition:transform .2s}
.nav-item:hover>a .arrow{transform:rotate(180deg)}
/* ===== MEGA MENU ===== */
.nav-item{position:static}
.mega-menu{
  display:none;position:absolute;top:64px;left:0;
  background:#fff;border-top:1px solid #eaeced;
  box-shadow:0 20px 60px rgba(0,0,0,.1);
  padding:40px 0;z-index:200;width:100vw;
  animation:megaFadeIn .2s ease;
}
@keyframes megaFadeIn{from{opacity:0;transform:translateY(-4px)}to{opacity:1;transform:translateY(0)}}
.nav-item:hover .mega-menu{display:block}
.mega-inner{max-width:1200px;margin:0 auto;padding:0 24px;display:flex;gap:48px}
.mega-left{flex:1}
.mega-title{font-size:24px;font-weight:800;color:#0a1628;margin-bottom:4px;display:flex;align-items:center;gap:8px}
.mega-title .arr{color:#6c7378;font-size:18px;transition:transform .2s}
.mega-title:hover .arr{transform:translateX(4px)}
.mega-subtitle{font-size:14px;color:#6c7378;margin-bottom:28px}
.mega-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:32px;flex:1}
.mega-col{min-width:0}
.mega-col h4{
  font-size:14px;font-weight:800;color:#0a1628;margin-bottom:14px;
  padding-bottom:10px;border-bottom:2px solid #eaeced;
  display:flex;align-items:center;gap:6px;
}
.mega-col h4 .arr{color:#6c7378;font-size:14px;opacity:0;transition:all .2s}
.mega-col h4:hover .arr{opacity:1;transform:translateX(2px)}
.mega-col a{
  display:block;font-size:14px;color:#475569;padding:6px 0;transition:all .15s;
}
.mega-col a:hover{color:#003087;padding-left:4px}
.mega-sidebar{
  width:280px;flex-shrink:0;display:flex;flex-direction:column;gap:10px;
}
.mega-sidebar .sidebar-btn{
  display:flex;align-items:center;justify-content:space-between;
  padding:16px 20px;border-radius:50px;font-size:14px;font-weight:700;
  transition:all .2s;
}
.mega-sidebar .sidebar-btn.dark{background:#0a1628;color:#fff}
.mega-sidebar .sidebar-btn.dark:hover{background:#003087}
.mega-sidebar .sidebar-btn.outline{background:#f5f7fa;color:#0a1628;border:1px solid #eaeced}
.mega-sidebar .sidebar-btn.outline:hover{background:#eaeced}
.mega-sidebar .sidebar-btn .arr{font-size:16px;transition:transform .2s}
.mega-sidebar .sidebar-btn:hover .arr{transform:translateX(4px)}
.mega-sidebar-links{display:flex;flex-direction:column;gap:2px;margin-top:8px}
.mega-sidebar-links a{
  font-size:14px;color:#475569;padding:8px 0;transition:color .15s;font-weight:500;
}
.mega-sidebar-links a:hover{color:#003087}

/* ========== HERO ========== */
.hero{
  background:linear-gradient(160deg,#003087 0%,#0070ba 50%,#003087 100%);
  color:#fff;padding:100px 0 80px;position:relative;overflow:hidden;
}
.hero::after{
  content:'';position:absolute;right:-100px;top:-60px;
  width:500px;height:500px;border-radius:50%;
  background:rgba(255,209,64,.12);pointer-events:none;
}
.hero-grid{display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:center}
.hero-text h1{
  font-size:clamp(2.4rem,5vw,3.6rem);font-weight:700;line-height:1.1;
  margin-bottom:20px;
}
.hero-text h1 .highlight{color:#ffd140}
.hero-text p{font-size:18px;opacity:.9;margin-bottom:32px;max-width:480px;line-height:1.6}
.hero-buttons{display:flex;gap:14px;flex-wrap:wrap}
.hero-visual{position:relative;display:flex;justify-content:center}
.hero-card{
  background:rgba(255,255,255,.1);backdrop-filter:blur(16px);
  border:1px solid rgba(255,255,255,.18);border-radius:20px;
  padding:36px;width:100%;max-width:400px;
}
.hero-card h3{font-size:14px;text-transform:uppercase;letter-spacing:1.5px;opacity:.7;margin-bottom:20px}
.stat-row{display:flex;gap:24px;margin-bottom:16px}
.stat{flex:1}
.stat .num{font-size:28px;font-weight:700;color:#ffd140}
.stat .label{font-size:13px;opacity:.7;margin-top:2px}

/* ========== PAY SECTION ========== */
.pay-section .section-header{text-align:center;margin-bottom:48px}
.pay-section .section-header .kicker{
  font-size:13px;font-weight:700;text-transform:uppercase;letter-spacing:2px;
  color:#0070ba;margin-bottom:8px;
}
.pay-section .section-header h2{font-size:clamp(1.8rem,3.5vw,2.6rem);font-weight:700;color:#003087}
.pay-section .section-header p{font-size:17px;color:#6c7378;max-width:600px;margin:12px auto 0}

.pay-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.pay-card{
  background:#fff;border:1px solid #eaeced;border-radius:16px;
  padding:32px;transition:box-shadow .2s,transform .2s;
}
.pay-card:hover{box-shadow:0 12px 32px rgba(0,48,135,.1);transform:translateY(-4px)}
.pay-card .icon{
  width:48px;height:48px;border-radius:12px;
  display:flex;align-items:center;justify-content:center;
  font-size:22px;margin-bottom:16px;
}
.pay-card .icon.teal{background:#e6f7f4;color:#0c8a74}
.pay-card .icon.blue{background:#e0effa;color:#0070ba}
.pay-card .icon.gold{background:#fff5d6;color:#b87d00}
.pay-card h3{font-size:18px;font-weight:700;color:#003087;margin-bottom:8px}
.pay-card p{font-size:15px;color:#6c7378;line-height:1.5}

/* Brand logos grid */
.brands-bar{
  margin-top:48px;padding:32px;background:#f5f7fa;border-radius:16px;
  text-align:center;
}
.brands-bar h4{font-size:14px;text-transform:uppercase;letter-spacing:1.5px;color:#6c7378;margin-bottom:20px}
.brands-grid{
  display:flex;justify-content:center;gap:32px;flex-wrap:wrap;
  align-items:center;
}
.brand-logo{
  width:100px;height:48px;background:#fff;border-radius:10px;
  display:flex;align-items:center;justify-content:center;
  font-size:13px;font-weight:700;color:#6c7378;border:1px solid #eaeced;
}

/* ========== PAYMENT FLEXIBILITY ========== */
.flex-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.flex-card{
  background:#fff;border:1px solid #eaeced;border-radius:16px;
  padding:32px;position:relative;overflow:hidden;
  transition:box-shadow .2s,transform .2s;
}
.flex-card:hover{box-shadow:0 12px 32px rgba(0,48,135,.1);transform:translateY(-4px)}
.flex-card .badge{
  display:inline-block;padding:4px 12px;border-radius:20px;
  font-size:12px;font-weight:700;text-transform:uppercase;
  background:#ffd140;color:#003087;margin-bottom:16px;
}
.flex-card h3{font-size:20px;font-weight:700;color:#003087;margin-bottom:10px}
.flex-card p{font-size:15px;color:#6c7378;line-height:1.5;margin-bottom:16px}
.flex-card ul li{font-size:14px;color:#2c2e2f;padding:6px 0;padding-left:20px;position:relative}
.flex-card ul li::before{
  content:'✓';position:absolute;left:0;color:#0070ba;font-weight:700;
}

/* ========== SECURITY ========== */
.security-section{
  background:linear-gradient(160deg,#001f5c,#003087);
  color:#fff;text-align:center;padding:80px 0;
}
.security-section .lock-icon{font-size:48px;margin-bottom:16px}
.security-section h2{font-size:clamp(1.6rem,3vw,2.2rem);font-weight:700;margin-bottom:12px}
.security-section p{font-size:17px;opacity:.85;max-width:560px;margin:0 auto 28px}

/* ========== SEND & RECEIVE ========== */
.send-grid{display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:center}
.send-tabs{display:flex;gap:0;margin-bottom:24px;border-bottom:2px solid #eaeced}
.send-tab{
  padding:12px 24px;font-size:15px;font-weight:600;color:#6c7378;
  background:none;border:none;border-bottom:3px solid transparent;
  margin-bottom:-2px;transition:all .15s;cursor:pointer;
}
.send-tab.active{color:#003087;border-bottom-color:#003087}
.send-tab:hover{color:#003087}
.tab-content{display:none}
.tab-content.active{display:block}
.tab-content h3{font-size:22px;font-weight:700;color:#003087;margin-bottom:10px}
.tab-content p{font-size:16px;color:#6c7378;line-height:1.6;margin-bottom:20px}

.send-visual{
  background:linear-gradient(135deg,#e0effa,#f5f7fa);
  border-radius:20px;padding:40px;display:flex;align-items:center;
  justify-content:center;min-height:320px;
}
.phone-mockup{
  width:200px;height:380px;background:#fff;border-radius:32px;
  border:3px solid #003087;position:relative;overflow:hidden;
  box-shadow:0 20px 40px rgba(0,48,135,.15);
}
.phone-mockup .screen{
  margin:12px;height:calc(100% - 24px);border-radius:22px;
  background:linear-gradient(180deg,#003087,#0070ba);
  display:flex;flex-direction:column;align-items:center;justify-content:center;color:#fff;
}
.phone-mockup .screen .amount{font-size:36px;font-weight:700}
.phone-mockup .screen .send-label{font-size:13px;opacity:.7;margin-top:4px}
.phone-mockup .screen .send-btn{
  margin-top:20px;background:#ffd140;color:#003087;
  border:none;padding:10px 28px;border-radius:20px;
  font-size:14px;font-weight:700;
}

/* ========== FEATURE LIST ========== */
.feature-list{padding:0;margin:0}
.feature-list li{
  font-size:15px;color:#2c2e2f;padding:8px 0 8px 24px;position:relative;
  border-bottom:1px solid #f0f0f0;
}
.feature-list li:last-child{border-bottom:none}
.feature-list li::before{
  content:'';position:absolute;left:0;top:14px;
  width:10px;height:10px;border-radius:50%;
  background:linear-gradient(135deg,#0070ba,#003087);
}

/* ========== SAVE SECTION ========== */
.save-cards{display:grid;grid-template-columns:1fr 1fr;gap:24px}
.save-card{
  border:1px solid #eaeced;border-radius:16px;padding:36px;
  background:#fff;transition:box-shadow .2s,transform .2s;
}
.save-card:hover{box-shadow:0 12px 32px rgba(0,48,135,.1);transform:translateY(-4px)}
.save-card .big-num{font-size:48px;font-weight:800;color:#003087;margin-bottom:4px}
.save-card .big-num span{font-size:22px}
.save-card h3{font-size:20px;font-weight:700;color:#003087;margin-bottom:10px}
.save-card p{font-size:15px;color:#6c7378;line-height:1.5;margin-bottom:16px}
.save-card .note{font-size:12px;color:#9ca3af;font-style:italic}

/* ========== CTA BAND ========== */
.cta-band{
  background:linear-gradient(135deg,#003087,#0070ba);
  padding:64px 0;text-align:center;color:#fff;
}
.cta-band h2{font-size:clamp(1.6rem,3vw,2.4rem);font-weight:700;margin-bottom:12px}
.cta-band p{font-size:17px;opacity:.85;margin-bottom:28px}
.cta-band .btn-gold{font-size:16px;padding:14px 36px}

/* ========== FOOTER ========== */
.site-footer{background:#2c2e2f;color:#fff;padding:48px 0 24px}
.footer-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:32px;margin-bottom:40px}
.footer-col h4{font-size:14px;font-weight:700;margin-bottom:16px;text-transform:uppercase;letter-spacing:1px}
.footer-col a{display:block;font-size:14px;color:#b0b3b6;padding:4px 0;transition:color .15s}
.footer-col a:hover{color:#ffd140}
.footer-bottom{
  border-top:1px solid #444;padding-top:24px;
  display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:16px;
}
.footer-bottom p{font-size:13px;color:#888}
.footer-links{display:flex;gap:20px}
.footer-links a{font-size:13px;color:#888;transition:color .15s}
.footer-links a:hover{color:#ffd140}

/* ========== RESPONSIVE ========== */
@media(max-width:960px){
  .hero-grid,.send-grid{grid-template-columns:1fr;gap:40px}
  .hero-visual{order:-1}
  .pay-cards,.flex-cards{grid-template-columns:1fr 1fr}
  .save-cards{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:640px){
  .nav-main{display:none}
  .hamburger{display:block}
  .nav-main.open{
    display:flex;flex-direction:column;position:absolute;
    top:64px;left:0;right:0;background:#fff;padding:20px 24px;
    border-bottom:1px solid #eaeced;box-shadow:0 8px 24px rgba(0,0,0,.08);
  }
  .mega-menu{display:none !important}
  .nav-item{padding:0}
  .nav-item>a .arrow{display:none}
  .pay-cards,.flex-cards{grid-template-columns:1fr}
  .hero{padding:60px 0 50px}
  .hero-text h1{font-size:2rem}
  .section{padding:56px 0}
  .stat-row{flex-direction:column;gap:12px}
  .send-tabs{overflow-x:auto}
  .footer-grid{grid-template-columns:1fr}
  .footer-bottom{flex-direction:column;text-align:center}
}

/* ========== ANIMATIONS ========== */

/* Fade-in on scroll */
.anim{opacity:0;transform:translateY(40px);transition:opacity .7s ease,transform .7s ease}
.anim.anim-visible{opacity:1;transform:translateY(0)}

/* Staggered children */
.anim-stagger .anim{transition-delay:0s}
.anim-stagger .anim:nth-child(2){transition-delay:.1s}
.anim-stagger .anim:nth-child(3){transition-delay:.2s}
.anim-stagger .anim:nth-child(4){transition-delay:.25s}
.anim-stagger .anim:nth-child(5){transition-delay:.3s}
.anim-stagger .anim:nth-child(6){transition-delay:.35s}
.anim-stagger .anim:nth-child(7){transition-delay:.4s}

/* Slide from left */
.anim-left{opacity:0;transform:translateX(-50px);transition:opacity .7s ease,transform .7s ease}
.anim-left.anim-visible{opacity:1;transform:translateX(0)}

/* Slide from right */
.anim-right{opacity:0;transform:translateX(50px);transition:opacity .7s ease,transform .7s ease}
.anim-right.anim-visible{opacity:1;transform:translateX(0)}

/* Scale up */
.anim-scale{opacity:0;transform:scale(.85);transition:opacity .6s ease,transform .6s ease}
.anim-scale.anim-visible{opacity:1;transform:scale(1)}

/* Hero entrance - plays immediately */
@keyframes heroSlideUp{
  from{opacity:0;transform:translateY(30px)}
  to{opacity:1;transform:translateY(0)}
}
@keyframes heroFadeIn{
  from{opacity:0;transform:translateY(20px)}
  to{opacity:1;transform:translateY(0)}
}
@keyframes heroCardSlide{
  from{opacity:0;transform:translateX(40px)}
  to{opacity:1;transform:translateX(0)}
}
@keyframes statPop{
  0%{opacity:0;transform:scale(.7)}
  70%{transform:scale(1.05)}
  100%{opacity:1;transform:scale(1)}
}
.hero-text h1{animation:heroSlideUp .8s ease forwards}
.hero-text p{animation:heroFadeIn .8s .2s ease both}
.hero-buttons{animation:heroFadeIn .8s .4s ease both}
.hero-card{animation:heroCardSlide .8s .3s ease both}
.stat .num{animation:statPop .5s .6s ease both}
.stat:nth-child(2) .num{animation-delay:.75s}
.stat:nth-child(3) .num{animation-delay:.9s}
.stat:nth-child(4) .num{animation-delay:1.05s}

/* Hover effects for cards */
.pay-card,.flex-card,.save-card{
  transition:box-shadow .3s ease,transform .3s ease;
}
.pay-card:hover,.flex-card:hover,.save-card:hover{
  box-shadow:0 16px 40px rgba(0,48,135,.14);transform:translateY(-6px);
}
.pay-card .icon{transition:transform .3s ease}
.pay-card:hover .icon{transform:scale(1.15) rotate(-5deg)}

/* Button pulse on hover */
.btn-gold:hover{transform:scale(1.03)}
.btn-primary:hover{transform:scale(1.03)}

/* Brand logo hover */
.brand-logo{transition:transform .2s ease,box-shadow .2s ease}
.brand-logo:hover{transform:translateY(-3px);box-shadow:0 6px 16px rgba(0,0,0,.08)}

/* Phone mockup float */
@keyframes phoneFloat{
  0%,100%{transform:translateY(0)}
  50%{transform:translateY(-10px)}
}
.phone-mockup{animation:phoneFloat 3s ease-in-out infinite}

/* Section header underline grow */
.section-header h2{position:relative;display:inline-block}
.section-header h2::after{
  content:'';position:absolute;bottom:-6px;left:50%;width:0;height:3px;
  background:#ffd140;border-radius:2px;transition:width .4s ease,left .4s ease;
}
.anim-visible .section-header h2::after,.section-header h2:hover::after{
  width:60px;left:calc(50% - 30px);
}