:root {
    --navy: #102A43;
    --turquoise: #087E8B;
    --green: #20C997;
    --orange: #FF9F43;
    --background: #F4F7FA;
    --white: #FFFFFF;
    --text: #263B50;
    --muted: #718096;
}

* {
    box-sizing: border-box;
}

html {
    scroll-behavior: smooth;
}

body {
    margin: 0;
    font-family: Inter, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
    color: var(--text);
    background: var(--white);
}

a {
    text-decoration: none;
    color: inherit;
}

.navbar {
    height: 82px;
    padding: 0 8%;
    display: flex;
    align-items: center;
    justify-content: space-between;
    background: white;
}

.brand {
    display: flex;
    align-items: center;
    gap: 10px;
    color: var(--navy);
    font-size: 27px;
    font-weight: 800;
}

.brand-icon {
    background: var(--navy);
    color: var(--green);
    width: 39px;
    height: 39px;
    border-radius: 12px;
    display: grid;
    place-items: center;
}

.navbar nav {
    display: flex;
    gap: 32px;
    font-size: 14px;
    font-weight: 600;
}

.nav-button {
    padding: 12px 23px;
    border: 1px solid var(--navy);
    border-radius: 9px;
    color: var(--navy);
    font-weight: 700;
}

.hero {
    min-height: 590px;
    padding: 85px 10%;
    background: linear-gradient(120deg, #F4F7FA, #E8F5F4);
    display: grid;
    grid-template-columns: 1.2fr 0.8fr;
    align-items: center;
    gap: 60px;
}

.eyebrow {
    color: var(--turquoise);
    font-size: 12px;
    letter-spacing: 2px;
    font-weight: 800;
}

.hero h1 {
    color: var(--navy);
    font-size: clamp(42px, 5vw, 66px);
    line-height: 1.12;
    margin: 20px 0;
    letter-spacing: -2px;
}

.hero h1 span {
    color: var(--turquoise);
}

.hero-content > p {
    max-width: 560px;
    font-size: 17px;
    line-height: 1.8;
    color: var(--muted);
}

.hero-actions {
    display: flex;
    flex-wrap: wrap;
    gap: 15px;
    margin-top: 30px;
}

.button-primary,
.button-secondary {
    padding: 16px 25px;
    border-radius: 9px;
    display: inline-block;
    font-weight: 700;
}

.button-primary {
    background: var(--turquoise);
    color: white;
}

.button-secondary {
    border: 1px solid #CBD5E0;
    color: var(--navy);
}

.hero-note {
    margin-top: 30px;
    color: var(--muted);
    font-size: 13px;
}

.hero-visual {
    display: flex;
    justify-content: center;
}

.wallet-card {
    width: 340px;
    min-height: 220px;
    padding: 28px;
    color: white;
    border-radius: 22px;
    background: linear-gradient(135deg, var(--navy), var(--turquoise));
    box-shadow: 0 25px 60px rgba(16,42,67,.2);
    position: relative;
    overflow: hidden;
}

.wallet-top,
.wallet-bottom {
    display: flex;
    justify-content: space-between;
    align-items: center;
}

.wallet-top strong {
    font-size: 25px;
}

.wallet-top span,
.wallet-bottom span {
    font-size: 10px;
    opacity: .8;
}

.wallet-symbol {
    font-size: 100px;
    font-weight: 900;
    color: var(--green);
    opacity: .8;
    text-align: center;
    padding: 20px;
}

.wallet-bottom strong {
    font-size: 11px;
}

.section {
    padding: 90px 10%;
}

.section-heading {
    text-align: center;
    margin-bottom: 50px;
}

.section h2 {
    color: var(--navy);
    font-size: clamp(28px, 4vw, 40px);
}

.section-heading p,
.solution-grid p,
.closing p {
    color: var(--muted);
    line-height: 1.8;
}

.service-grid,
.solution-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 22px;
}

.service-card {
    padding: 30px 25px;
    border: 1px solid #E5ECF2;
    border-radius: 15px;
    background: white;
}

.service-icon {
    color: var(--turquoise);
    font-size: 32px;
}

.service-card h3,
.solution-grid h3 {
    color: var(--navy);
}

.service-card p {
    color: var(--muted);
    font-size: 14px;
    line-height: 1.8;
}

.solutions {
    background: var(--background);
}

.solution-grid {
    grid-template-columns: repeat(3, 1fr);
    margin-top: 35px;
}

.solution-grid article {
    padding: 28px;
    background: white;
    border-radius: 14px;
}

.closing {
    text-align: center;
}

.closing p {
    max-width: 650px;
    margin: 20px auto 30px;
}

.footer {
    background: var(--navy);
    color: white;
    padding: 30px 10%;
    display: flex;
    justify-content: space-between;
    gap: 15px;
    font-size: 13px;
}

@media (max-width: 850px) {
    .navbar {
        padding: 0 5%;
    }

    .navbar nav {
        display: none;
    }

    .hero {
        grid-template-columns: 1fr;
        padding: 65px 7%;
    }

    .service-grid {
        grid-template-columns: repeat(2, 1fr);
    }

    .solution-grid {
        grid-template-columns: 1fr;
    }

    .footer {
        flex-direction: column;
    }
}

@media (max-width: 520px) {
    .service-grid {
        grid-template-columns: 1fr;
    }

    .wallet-card {
        width: 100%;
    }

    .section {
        padding: 65px 7%;
    }
}