/*
  ================================================
  THE SMART SOLUTIONS — Main Stylesheet
  Version: 2.0
  ================================================

  TABLE OF CONTENTS
  -----------------
  1.  CSS Reset & Custom Properties
  2.  Dark / Light Theme Tokens
  3.  Noise Overlay & Base
  4.  Custom Cursor
  5.  Navbar
  6.  Hero Section
  7.  Ticker / Marquee
  8.  Section Shared Utilities
  9.  About Section
  10. AI Capabilities Section
  11. FinTech Products Section
  12. Services Section
  13. Testimonials Section
  14. Tech Stack Strip
  15. CTA Section
  16. Footer
  17. Theme Toggle Button
  18. Responsive Breakpoints
  ================================================
*/

/* ================================================
   1. CSS RESET & CUSTOM PROPERTIES
================================================ */
*, *::before, *::after {
    box-sizing: border-box;
    margin: 0;
    padding: 0;
  }
  
  :root {
    /* Brand constants — never change between themes */
    --gold:        #c9a96e;
    --gold-light:  #e8d5a3;
    --gold-dim:    rgba(201, 169, 110, 0.15);
    --gold-border: rgba(201, 169, 110, 0.22);
    --teal:        #3dbdb5;
    --teal-dim:    rgba(61, 189, 181, 0.12);
    --teal-border: rgba(61, 189, 181, 0.18);
  
    /* Typography */
    --ff-display: 'Cormorant Garamond', Georgia, serif;
    --ff-body:    'DM Sans', system-ui, sans-serif;
  
    /* Easing */
    --ease-out:    cubic-bezier(0.16, 1, 0.3, 1);
    --ease-in-out: cubic-bezier(0.45, 0, 0.55, 1);
  }
  
  /* ================================================
     2. DARK / LIGHT THEME TOKENS
  ================================================ */
  
  /* ── DARK MODE (default) ── */
  :root,
  [data-theme="dark"] {
    --bg-primary:     #09090e;
    --bg-secondary:   #111118;
    --bg-surface:     #16161f;
    --bg-card:        #1a1a26;
    --bg-hover:       #1e1e2c;
  
    --border-subtle:  rgba(255, 255, 255, 0.06);
    --border-default: rgba(255, 255, 255, 0.10);
    --border-strong:  rgba(255, 255, 255, 0.16);
  
    --text-primary:   #f0ede8;
    --text-secondary: #b8b2a8;
    --text-tertiary:  #787068;
    --text-faint:     #4a4540;
  
    --nav-bg:         rgba(9, 9, 14, 0.88);
    --cursor-color:   var(--gold);
  
    --hero-grid-color: rgba(201, 169, 110, 0.04);
    --orb-1-color:    rgba(201, 169, 110, 0.10);
    --orb-2-color:    rgba(61, 189, 181, 0.07);
  
    --shadow-card:    0 4px 24px rgba(0, 0, 0, 0.4);
    --shadow-glow:    0 20px 40px rgba(201, 169, 110, 0.20);
  }
  
  /* ── LIGHT MODE ── */
  [data-theme="light"] {
    --bg-primary:     #f5f2ec;
    --bg-secondary:   #ede9e0;
    --bg-surface:     #e8e3d8;
    --bg-card:        #ffffff;
    --bg-hover:       #f9f7f3;
  
    --border-subtle:  rgba(0, 0, 0, 0.06);
    --border-default: rgba(0, 0, 0, 0.10);
    --border-strong:  rgba(0, 0, 0, 0.18);
  
    --text-primary:   #1a1610;
    --text-secondary: #4a4030;
    --text-tertiary:  #8a7e6e;
    --text-faint:     #b0a898;
  
    --nav-bg:         rgba(245, 242, 236, 0.90);
    --cursor-color:   #8a6c3a;
  
    --hero-grid-color: rgba(140, 100, 40, 0.07);
    --orb-1-color:    rgba(180, 140, 70, 0.12);
    --orb-2-color:    rgba(40, 150, 140, 0.08);
  
    --shadow-card:    0 4px 24px rgba(0, 0, 0, 0.08);
    --shadow-glow:    0 20px 40px rgba(140, 100, 40, 0.18);
  }
  
  /* ================================================
     3. NOISE OVERLAY & BASE
  ================================================ */
  html {
    scroll-behavior: smooth;
  }
  
  body {
    background-color: var(--bg-primary);
    color: var(--text-primary);
    font-family: var(--ff-body);
    font-size: 16px;
    line-height: 1.7;
    overflow-x: hidden;
    cursor: none;
    transition: background-color 0.4s ease, color 0.4s ease;
  }
  
  body::before {
    content: '';
    position: fixed;
    inset: 0;
    background-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 256 256' xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.9' numOctaves='4' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)' opacity='1'/%3E%3C/svg%3E");
    opacity: 0.018;
    pointer-events: none;
    z-index: 1;
  }
  
  a {
    text-decoration: none;
    color: inherit;
  }
  
  img {
    display: block;
    max-width: 100%;
  }
  
  /* ================================================
     4. CUSTOM CURSOR
  ================================================ */
  #cursor-dot,
  #cursor-ring {
    position: fixed;
    border-radius: 50%;
    pointer-events: none;
    z-index: 9999;
    transform: translate(-50%, -50%);
    transition: opacity 0.3s;
  }
  
  #cursor-dot {
    width: 6px;
    height: 6px;
    background: var(--gold);
  }
  
  #cursor-ring {
    width: 32px;
    height: 32px;
    border: 1.5px solid rgba(201, 169, 110, 0.55);
    transition:
      width   0.3s var(--ease-out),
      height  0.3s var(--ease-out),
      border-color 0.3s;
  }
  
  [data-theme="light"] #cursor-dot {
    background: #8a5c20;
  }
  
  [data-theme="light"] #cursor-ring {
    border-color: rgba(138, 92, 32, 0.45);
  }
  
  body:has(a:hover) #cursor-ring,
  body:has(button:hover) #cursor-ring {
    width: 48px;
    height: 48px;
    border-color: var(--gold);
  }
  
  [data-theme="light"]:has(a:hover) #cursor-ring,
  [data-theme="light"]:has(button:hover) #cursor-ring {
    border-color: #8a5c20;
  }
  
  /* ================================================
     5. NAVBAR
  ================================================ */
  nav {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    z-index: 1000;
    padding: 0 5%;
    display: flex;
    align-items: center;
    justify-content: space-between;
    height: 72px;
    transition: background 0.4s, backdrop-filter 0.4s, border-bottom 0.4s;
  }
  
  nav.scrolled {
    background: var(--nav-bg);
    backdrop-filter: blur(24px);
    -webkit-backdrop-filter: blur(24px);
    border-bottom: 1px solid var(--border-subtle);
  }
  
  .nav-logo img {
    height: 38px;
    width: auto;
  }
  
  [data-theme="light"] .nav-logo img {
    filter: brightness(0.7) saturate(0.8);
  }
  
  .nav-links {
    display: flex;
    align-items: center;
    gap: 2rem;
    list-style: none;
  }
  
  .nav-links a {
    font-size: 0.80rem;
    font-weight: 400;
    letter-spacing: 0.10em;
    text-transform: uppercase;
    color: var(--text-tertiary);
    transition: color 0.25s;
    position: relative;
  }
  
  .nav-links a::after {
    content: '';
    position: absolute;
    bottom: -4px;
    left: 0;
    width: 0;
    height: 1px;
    background: var(--gold);
    transition: width 0.3s var(--ease-out);
  }
  
  .nav-links a:hover {
    color: var(--text-primary);
  }
  
  .nav-links a:hover::after {
    width: 100%;
  }
  
  /* Dropdown */
  .nav-dropdown {
    position: relative;
  }
  
  .nav-dropdown-menu {
    position: absolute;
    top: calc(100% + 16px);
    left: 50%;
    transform: translateX(-50%) translateY(-8px);
    background: var(--bg-card);
    backdrop-filter: blur(24px);
    border: 1px solid var(--border-default);
    border-radius: 12px;
    padding: 8px;
    min-width: 240px;
    opacity: 0;
    visibility: hidden;
    box-shadow: var(--shadow-card);
    transition: opacity 0.25s, transform 0.25s var(--ease-out), visibility 0.25s;
  }
  
  .nav-dropdown:hover .nav-dropdown-menu {
    opacity: 1;
    visibility: visible;
    transform: translateX(-50%) translateY(0);
  }
  
  .nav-dropdown-menu a {
    display: block;
    padding: 10px 16px;
    border-radius: 8px;
    font-size: 0.78rem;
    letter-spacing: 0.06em;
    color: var(--text-secondary);
    transition: background 0.2s, color 0.2s;
    text-transform: uppercase;
  }
  
  .nav-dropdown-menu a:hover {
    background: var(--gold-dim);
    color: var(--gold);
  }
  
  .nav-dropdown-menu a::after {
    display: none;
  }
  
  .nav-cta {
    padding: 9px 22px;
    border: 1px solid var(--gold);
    border-radius: 4px;
    font-size: 0.78rem;
    font-weight: 500;
    letter-spacing: 0.10em;
    text-transform: uppercase;
    color: var(--gold) !important;
    transition: background 0.25s, color 0.25s !important;
  }
  
  .nav-cta::after {
    display: none !important;
  }
  
  .nav-cta:hover {
    background: var(--gold) !important;
    color: var(--bg-primary) !important;
  }
  
  /* Hamburger */
  .nav-hamburger {
    display: none;
    flex-direction: column;
    gap: 5px;
    cursor: none;
    background: none;
    border: none;
    padding: 4px;
  }
  
  .nav-hamburger span {
    display: block;
    width: 24px;
    height: 1px;
    background: var(--text-primary);
    transition: transform 0.3s, opacity 0.3s;
  }
  
  .nav-hamburger.open span:nth-child(1) { transform: translateY(6px) rotate(45deg); }
  .nav-hamburger.open span:nth-child(2) { opacity: 0; }
  .nav-hamburger.open span:nth-child(3) { transform: translateY(-6px) rotate(-45deg); }
  
  /* Mobile nav */
  .nav-mobile {
    display: none;
    position: fixed;
    inset: 0;
    background: var(--bg-primary);
    backdrop-filter: blur(30px);
    z-index: 999;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    gap: 2rem;
    opacity: 0;
    transition: opacity 0.3s;
  }
  
  .nav-mobile.open {
    display: flex;
    opacity: 1;
  }
  
  .nav-mobile a {
    font-family: var(--ff-display);
    font-size: 2.2rem;
    font-weight: 300;
    color: var(--text-tertiary);
    transition: color 0.2s;
  }
  
  .nav-mobile a:hover {
    color: var(--gold);
  }
  
  /* ================================================
     6. HERO SECTION
  ================================================ */
  .hero {
    min-height: 100vh;
    display: flex;
    align-items: center;
    position: relative;
    overflow: hidden;
    padding: 120px 5% 0;
  }
  
  .hero-grid {
    position: absolute;
    inset: 0;
    background-image:
      linear-gradient(var(--hero-grid-color) 1px, transparent 1px),
      linear-gradient(90deg, var(--hero-grid-color) 1px, transparent 1px);
    background-size: 60px 60px;
    animation: gridShift 24s linear infinite;
  }
  
  @keyframes gridShift {
    0%   { background-position: 0 0; }
    100% { background-position: 60px 60px; }
  }
  
  .hero-orb {
    position: absolute;
    border-radius: 50%;
    filter: blur(110px);
    pointer-events: none;
  }
  
  .hero-orb-1 {
    width: 600px;
    height: 600px;
    background: radial-gradient(circle, var(--orb-1-color) 0%, transparent 70%);
    top: -100px;
    right: -100px;
    animation: orbFloat1 14s ease-in-out infinite;
  }
  
  .hero-orb-2 {
    width: 400px;
    height: 400px;
    background: radial-gradient(circle, var(--orb-2-color) 0%, transparent 70%);
    bottom: 0;
    left: 10%;
    animation: orbFloat2 18s ease-in-out infinite;
  }
  
  .hero-orb-3 {
    width: 300px;
    height: 300px;
    background: radial-gradient(circle, var(--orb-1-color) 0%, transparent 70%);
    top: 40%;
    left: 42%;
    animation: orbFloat1 20s ease-in-out infinite reverse;
  }
  
  @keyframes orbFloat1 {
    0%, 100% { transform: translate(0, 0) scale(1); }
    33%       { transform: translate(30px, -40px) scale(1.05); }
    66%       { transform: translate(-20px, 20px) scale(0.95); }
  }
  
  @keyframes orbFloat2 {
    0%, 100% { transform: translate(0, 0); }
    50%       { transform: translate(40px, -30px); }
  }
  
  .hero-diagonal {
    position: absolute;
    top: 0;
    right: 32%;
    width: 1px;
    height: 140%;
    background: linear-gradient(to bottom, transparent, var(--border-default), transparent);
    transform: rotate(14deg);
  }
  
  .hero-content {
    position: relative;
    z-index: 2;
    max-width: 820px;
  }
  
  .hero-eyebrow {
    display: inline-flex;
    align-items: center;
    gap: 12px;
    margin-bottom: 2rem;
    opacity: 0;
    animation: fadeUp 0.8s var(--ease-out) 0.2s forwards;
  }
  
  .hero-eyebrow-line {
    width: 40px;
    height: 1px;
    background: var(--gold);
  }
  
  .hero-eyebrow-text {
    font-size: 0.72rem;
    letter-spacing: 0.22em;
    text-transform: uppercase;
    color: var(--gold);
    font-weight: 400;
  }
  
  .hero-headline {
    font-family: var(--ff-display);
    font-size: clamp(3.4rem, 7vw, 6.5rem);
    font-weight: 300;
    line-height: 1.06;
    letter-spacing: -0.02em;
    color: var(--text-primary);
    margin-bottom: 1.6rem;
    opacity: 0;
    animation: fadeUp 0.9s var(--ease-out) 0.4s forwards;
  }
  
  .hero-headline em {
    font-style: italic;
    color: var(--gold-light);
  }
  
  [data-theme="light"] .hero-headline em {
    color: #8a5c20;
  }
  
  .hero-headline .hero-headline-outline {
    -webkit-text-stroke: 1.5px var(--border-strong);
    color: transparent;
  }
  
  .hero-sub {
    font-size: 1.08rem;
    font-weight: 300;
    color: var(--text-secondary);
    max-width: 540px;
    line-height: 1.85;
    margin-bottom: 2.5rem;
    opacity: 0;
    animation: fadeUp 0.9s var(--ease-out) 0.6s forwards;
  }
  
  .hero-actions {
    display: flex;
    gap: 1rem;
    flex-wrap: wrap;
    opacity: 0;
    animation: fadeUp 0.9s var(--ease-out) 0.8s forwards;
  }
  
  .hero-stats {
    display: flex;
    gap: 3rem;
    margin-top: 2rem;
    margin-bottom: 3rem;
    padding-top: 2.5rem;
    border-top: 1px solid var(--border-subtle);
    opacity: 0;
    animation: fadeUp 0.9s var(--ease-out) 1.0s forwards;
  }
  
  .hero-stat-item {
    flex: 1;
    text-align: center;
  }
  
  .hero-stat-num {
    font-family: var(--ff-display);
    font-size: 2rem;
    font-weight: 300;
    color: var(--text-primary);
    line-height: 1;
  }
  
  .hero-stat-label {
    font-size: 0.70rem;
    letter-spacing: 0.12em;
    text-transform: uppercase;
    color: var(--text-tertiary);
    margin-top: 5px;
  }
  
  .hero-scroll {
    position: absolute;
    bottom: 40px;
    left: 5%;
    display: flex;
    align-items: center;
    gap: 12px;
    z-index: 2;
    opacity: 0;
    animation: fadeUp 0.9s var(--ease-out) 1.2s forwards;
  }
  
  .hero-scroll-line {
    width: 40px;
    height: 1px;
    background: var(--border-default);
    position: relative;
    overflow: hidden;
  }
  
  .hero-scroll-line::after {
    content: '';
    position: absolute;
    top: 0;
    left: -100%;
    width: 100%;
    height: 100%;
    background: var(--gold);
    animation: scrollPulse 2s ease-in-out infinite;
  }
  
  @keyframes scrollPulse {
    0%   { left: -100%; }
    100% { left: 100%; }
  }
  
  .hero-scroll span {
    font-size: 0.68rem;
    letter-spacing: 0.16em;
    text-transform: uppercase;
    color: var(--text-tertiary);
  }
  
  @keyframes fadeUp {
    from { opacity: 0; transform: translateY(28px); }
    to   { opacity: 1; transform: translateY(0); }
  }
  
  @keyframes fadeIn {
    from { opacity: 0; }
    to   { opacity: 1; }
  }
  
  /* ================================================
     7. TICKER / MARQUEE
  ================================================ */
  .ticker-wrap {
    border-top: 1px solid var(--border-subtle);
    border-bottom: 1px solid var(--border-subtle);
    background: var(--bg-secondary);
    overflow: hidden;
    padding: 14px 0;
    position: relative;
    z-index: 3;
  }
  
  .ticker-track {
    display: flex;
    width: max-content;
    animation: ticker 32s linear infinite;
  }
  
  .ticker-track:hover {
    animation-play-state: paused;
  }
  
  .ticker-item {
    display: flex;
    align-items: center;
    gap: 1.5rem;
    padding: 0 3rem;
    white-space: nowrap;
    font-size: 0.72rem;
    letter-spacing: 0.16em;
    text-transform: uppercase;
    color: var(--text-tertiary);
  }
  
  .ticker-dot {
    width: 4px;
    height: 4px;
    border-radius: 50%;
    background: var(--gold);
    flex-shrink: 0;
  }
  
  @keyframes ticker {
    0%   { transform: translateX(0); }
    100% { transform: translateX(-50%); }
  }
  
  /* ================================================
     8. SECTION SHARED UTILITIES
  ================================================ */
  section {
    position: relative;
  }
  
  .section-eyebrow {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    margin-bottom: 1.2rem;
  }
  
  .section-eyebrow-line {
    width: 30px;
    height: 1px;
    background: var(--gold);
  }
  
  .section-eyebrow-text {
    font-size: 0.70rem;
    letter-spacing: 0.22em;
    text-transform: uppercase;
    color: var(--gold);
  }
  
  .section-title {
    font-family: var(--ff-display);
    font-size: clamp(2.4rem, 4vw, 3.8rem);
    font-weight: 300;
    line-height: 1.10;
    letter-spacing: -0.01em;
    color: var(--text-primary);
    margin-bottom: 1rem;
  }
  
  .section-title em {
    font-style: italic;
    color: var(--gold-light);
  }
  
  [data-theme="light"] .section-title em {
    color: #7a4f18;
  }
  
  .section-desc {
    font-size: 1.02rem;
    font-weight: 300;
    color: var(--text-secondary);
    max-width: 520px;
    line-height: 1.85;
  }
  
  /* Scroll reveal */
  .reveal {
    opacity: 0;
    transform: translateY(36px);
    transition: opacity 0.8s var(--ease-out), transform 0.8s var(--ease-out);
  }
  
  .reveal.visible {
    opacity: 1;
    transform: translateY(0);
  }
  
  .reveal-delay-1 { transition-delay: 0.10s; }
  .reveal-delay-2 { transition-delay: 0.20s; }
  .reveal-delay-3 { transition-delay: 0.30s; }
  .reveal-delay-4 { transition-delay: 0.40s; }
  
  /* Shared buttons */
  .btn-primary {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    padding: 14px 32px;
    background: var(--gold);
    color: #0a0a0f;
    font-family: var(--ff-body);
    font-size: 0.80rem;
    font-weight: 500;
    letter-spacing: 0.10em;
    text-transform: uppercase;
    border-radius: 4px;
    border: none;
    cursor: none;
    transition: background 0.25s, transform 0.2s, box-shadow 0.25s;
  }
  
  .btn-primary:hover {
    background: var(--gold-light);
    transform: translateY(-2px);
    box-shadow: var(--shadow-glow);
  }
  
  .btn-primary svg {
    width: 15px;
    height: 15px;
    transition: transform 0.2s;
  }
  
  .btn-primary:hover svg {
    transform: translateX(4px);
  }
  
  .btn-ghost {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    padding: 14px 32px;
    background: transparent;
    color: var(--text-secondary);
    font-size: 0.80rem;
    font-weight: 400;
    letter-spacing: 0.10em;
    text-transform: uppercase;
    border: 1px solid var(--border-default);
    border-radius: 4px;
    cursor: none;
    transition: border-color 0.25s, color 0.25s, background 0.25s;
  }
  
  .btn-ghost:hover {
    border-color: var(--border-strong);
    color: var(--text-primary);
    background: var(--bg-surface);
  }
  
  /* ================================================
     9. ABOUT SECTION
  ================================================ */
  .about {
    padding: 130px 5%;
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 80px;
    align-items: center;
    background: var(--bg-secondary);
  }
  
  .about-card {
    background: var(--bg-card);
    border: 1px solid var(--border-default);
    border-radius: 18px;
    padding: 44px;
    position: relative;
    overflow: hidden;
    box-shadow: var(--shadow-card);
  }
  
  .about-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 1px;
    background: linear-gradient(90deg, transparent, var(--gold), transparent);
  }
  
  .about-card-accent {
    position: absolute;
    bottom: -60px;
    right: -60px;
    width: 200px;
    height: 200px;
    border-radius: 50%;
    background: radial-gradient(circle, var(--gold-dim), transparent 70%);
  }
  
  .about-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 6px 14px;
    background: var(--gold-dim);
    border: 1px solid var(--gold-border);
    border-radius: 20px;
    font-size: 0.70rem;
    letter-spacing: 0.10em;
    text-transform: uppercase;
    color: var(--gold);
    margin-bottom: 1.6rem;
  }
  
  .about-badge-dot {
    width: 6px;
    height: 6px;
    border-radius: 50%;
    background: var(--gold);
    animation: pulse 2.4s ease-in-out infinite;
  }
  
  @keyframes pulse {
    0%, 100% { opacity: 1; transform: scale(1); }
    50%       { opacity: 0.4; transform: scale(0.75); }
  }
  
  .about-card-quote {
    font-family: var(--ff-display);
    font-size: 1.45rem;
    font-weight: 300;
    line-height: 1.45;
    color: var(--text-primary);
    margin-bottom: 20px;
  }
  
  .about-card-sub {
    font-size: 0.88rem;
    color: var(--text-secondary);
    line-height: 1.75;
  }
  
  .about-metrics {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 16px;
    margin-top: 28px;
  }
  
  .about-metric {
    background: var(--bg-surface);
    border: 1px solid var(--border-subtle);
    border-radius: 10px;
    padding: 20px;
    transition: border-color 0.25s;
  }
  
  .about-metric:hover {
    border-color: var(--gold-border);
  }
  
  .about-metric-num {
    font-family: var(--ff-display);
    font-size: 2rem;
    font-weight: 300;
    color: var(--gold);
    line-height: 1;
  }
  
  .about-metric-label {
    font-size: 0.75rem;
    color: var(--text-tertiary);
    margin-top: 6px;
    letter-spacing: 0.06em;
  }
  
  .about-pillars {
    display: flex;
    flex-direction: column;
    gap: 14px;
    margin-top: 2rem;
  }
  
  .about-pillar {
    display: flex;
    align-items: center;
    gap: 16px;
    padding: 16px 20px;
    background: var(--bg-card);
    border: 1px solid var(--border-subtle);
    border-radius: 10px;
    transition: border-color 0.25s, transform 0.25s, box-shadow 0.25s;
  }
  
  .about-pillar:hover {
    border-color: var(--border-default);
    transform: translateX(6px);
    box-shadow: var(--shadow-card);
  }
  
  .about-pillar-icon {
    width: 38px;
    height: 38px;
    border-radius: 9px;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    font-size: 1.1rem;
  }
  
  .about-pillar-icon.gold   { background: var(--gold-dim); }
  .about-pillar-icon.teal   { background: var(--teal-dim); }
  .about-pillar-icon.purple { background: rgba(138, 99, 210, 0.10); }
  
  .about-pillar-name {
    font-size: 0.92rem;
    font-weight: 500;
    color: var(--text-primary);
  }
  
  .about-pillar-desc {
    font-size: 0.80rem;
    color: var(--text-tertiary);
    margin-top: 2px;
    line-height: 1.5;
  }
  
  /* ================================================
     10. AI CAPABILITIES
  ================================================ */
  .ai-section {
    padding: 130px 5%;
    background: var(--bg-primary);
  }
  
  .ai-header {
    display: flex;
    justify-content: space-between;
    align-items: flex-end;
    margin-bottom: 56px;
    gap: 40px;
  }
  
  .ai-header-right {
    text-align: right;
    max-width: 340px;
    font-size: 1.02rem;
    font-weight: 300;
    color: var(--text-secondary);
    line-height: 1.8;
  }
  
  .ai-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 1px;
    background: var(--border-subtle);
    border: 1px solid var(--border-default);
    border-radius: 18px;
    overflow: hidden;
  }
  
  .ai-card {
    background: var(--bg-secondary);
    padding: 44px 32px;
    transition: background 0.3s;
    position: relative;
    overflow: hidden;
  }
  
  .ai-card::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    right: 0;
    height: 2px;
    background: linear-gradient(90deg, var(--gold), var(--teal));
    transform: scaleX(0);
    transform-origin: left;
    transition: transform 0.45s var(--ease-out);
  }
  
  .ai-card:hover {
    background: var(--bg-card);
  }
  
  .ai-card:hover::after {
    transform: scaleX(1);
  }
  
  .ai-card-number {
    font-family: var(--ff-display);
    font-size: 3rem;
    font-weight: 300;
    color: var(--border-default);
    line-height: 1;
    margin-bottom: 24px;
    transition: color 0.3s;
  }
  
  .ai-card:hover .ai-card-number {
    color: var(--gold-dim);
  }
  
  .ai-card-icon {
    width: 48px;
    height: 48px;
    border-radius: 10px;
    background: var(--gold-dim);
    border: 1px solid var(--gold-border);
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 22px;
    transition: background 0.3s;
  }
  
  .ai-card:hover .ai-card-icon {
    background: rgba(201, 169, 110, 0.22);
  }
  
  .ai-card-icon svg {
    width: 22px;
    height: 22px;
    color: var(--gold);
  }
  
  .ai-card-title {
    font-size: 1.0rem;
    font-weight: 500;
    color: var(--text-primary);
    margin-bottom: 12px;
    letter-spacing: -0.01em;
  }
  
  .ai-card-desc {
    font-size: 0.88rem;
    color: var(--text-secondary);
    line-height: 1.80;
  }
  
  /* ================================================
     11. FINTECH PRODUCTS SECTION
  ================================================ */
  .products {
    padding: 130px 5%;
    background: var(--bg-secondary);
  }
  
  .products-grid {
    display: grid;
    grid-template-columns: 1.4fr 1fr;
    gap: 24px;
    margin-top: 60px;
  }
  
  .product-card-main {
    background: var(--bg-card);
    border: 1px solid var(--border-default);
    border-radius: 20px;
    overflow: hidden;
    box-shadow: var(--shadow-card);
    transition: border-color 0.3s, transform 0.3s;
  }
  
  .product-card-main:hover {
    border-color: var(--border-strong);
    transform: translateY(-4px);
  }
  
  .product-card-preview {
    background: var(--bg-primary);
    border-bottom: 1px solid var(--border-subtle);
    padding: 28px;
    height: 248px;
    display: flex;
    align-items: stretch;
  }
  
  /* Fake dashboard mock */
  .dash-mock { width: 100%; }
  
  .dash-topbar {
    display: flex;
    gap: 6px;
    margin-bottom: 16px;
  }
  
  .dash-dot { width: 8px; height: 8px; border-radius: 50%; }
  .dash-dot.red    { background: #ff5f57; }
  .dash-dot.yellow { background: #ffbd2e; }
  .dash-dot.green  { background: #28c840; }
  
  .dash-row {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 8px;
    margin-bottom: 12px;
  }
  
  .dash-metric-box {
    background: var(--bg-surface);
    border: 1px solid var(--border-subtle);
    border-radius: 8px;
    padding: 12px;
  }
  
  .dash-metric-label {
    font-size: 0.58rem;
    letter-spacing: 0.10em;
    text-transform: uppercase;
    color: var(--text-tertiary);
    margin-bottom: 6px;
  }
  
  .dash-metric-val {
    font-family: var(--ff-display);
    font-size: 1.2rem;
    font-weight: 300;
    color: var(--text-primary);
  }
  
  .dash-metric-change {
    font-size: 0.60rem;
    color: var(--teal);
    margin-top: 3px;
  }
  
  .dash-chart-area {
    background: var(--bg-surface);
    border: 1px solid var(--border-subtle);
    border-radius: 8px;
    padding: 12px;
    height: 82px;
    overflow: hidden;
  }
  
  .dash-chart-svg { width: 100%; height: 100%; }
  
  .product-card-body { padding: 36px; }
  
  .product-tag {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    padding: 5px 12px;
    background: var(--teal-dim);
    border: 1px solid var(--teal-border);
    border-radius: 20px;
    font-size: 0.70rem;
    letter-spacing: 0.10em;
    text-transform: uppercase;
    color: var(--teal);
    margin-bottom: 16px;
  }
  
  .product-name {
    font-family: var(--ff-display);
    font-size: 1.75rem;
    font-weight: 300;
    color: var(--text-primary);
    margin-bottom: 12px;
    letter-spacing: -0.01em;
  }
  
  .product-desc {
    font-size: 0.92rem;
    color: var(--text-secondary);
    line-height: 1.80;
    margin-bottom: 22px;
  }
  
  .product-features {
    list-style: none;
    display: flex;
    flex-direction: column;
    gap: 9px;
    margin-bottom: 28px;
  }
  
  .product-features li {
    display: flex;
    align-items: center;
    gap: 12px;
    font-size: 0.85rem;
    color: var(--text-secondary);
    line-height: 1.5;
  }
  
  .product-features li::before {
    content: '';
    width: 16px;
    height: 1px;
    background: var(--gold);
    flex-shrink: 0;
  }
  
  .product-cards-side {
    display: flex;
    flex-direction: column;
    gap: 20px;
  }
  
  .product-card-small {
    background: var(--bg-card);
    border: 1px solid var(--border-subtle);
    border-radius: 16px;
    padding: 30px;
    flex: 1;
    box-shadow: var(--shadow-card);
    transition: border-color 0.3s, transform 0.3s;
  }
  
  .product-card-small:hover {
    border-color: var(--border-default);
    transform: translateX(5px);
  }
  
  .product-card-small-icon {
    width: 44px;
    height: 44px;
    border-radius: 10px;
    background: var(--gold-dim);
    border: 1px solid var(--gold-border);
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 18px;
  }
  
  .product-card-small-icon svg {
    width: 20px;
    height: 20px;
    color: var(--gold);
  }
  
  .product-card-small-title {
    font-size: 1.0rem;
    font-weight: 500;
    color: var(--text-primary);
    margin-bottom: 8px;
    letter-spacing: -0.01em;
  }
  
  .product-card-small-desc {
    font-size: 0.85rem;
    color: var(--text-secondary);
    line-height: 1.75;
  }
  
  .product-card-small-link {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    margin-top: 16px;
    font-size: 0.72rem;
    letter-spacing: 0.10em;
    text-transform: uppercase;
    color: var(--gold);
    transition: gap 0.2s;
  }
  
  .product-card-small:hover .product-card-small-link {
    gap: 10px;
  }
  
  /* ================================================
     12. SERVICES SECTION
  ================================================ */
  .services {
    padding: 130px 5%;
    background: var(--bg-primary);
  }
  
  .services-header {
    display: flex;
    justify-content: space-between;
    align-items: flex-end;
    margin-bottom: 56px;
    gap: 40px;
  }
  
  .services-header-right {
    text-align: right;
    max-width: 300px;
    font-size: 1.0rem;
    font-weight: 300;
    color: var(--text-secondary);
    line-height: 1.8;
  }
  
  .services-list {
    border: 1px solid var(--border-default);
    border-radius: 18px;
    overflow: hidden;
    box-shadow: var(--shadow-card);
  }
  
  .service-row {
    display: grid;
    grid-template-columns: 68px 1fr auto;
    align-items: center;
    gap: 28px;
    padding: 32px 40px;
    border-bottom: 1px solid var(--border-subtle);
    background: var(--bg-secondary);
    transition: background 0.25s, padding-left 0.35s var(--ease-out);
    text-decoration: none;
    color: inherit;
    cursor: none;
  }
  
  .service-row:last-child {
    border-bottom: none;
  }
  
  .service-row:hover {
    background: var(--bg-card);
    padding-left: 52px;
  }
  
  .service-num {
    font-family: var(--ff-display);
    font-size: 1.1rem;
    font-weight: 300;
    color: var(--text-faint);
    transition: color 0.25s;
  }
  
  .service-row:hover .service-num {
    color: var(--gold);
  }
  
  .service-name {
    font-size: 1.08rem;
    font-weight: 500;
    color: var(--text-primary);
    margin-bottom: 5px;
    letter-spacing: -0.01em;
  }
  
  .service-tagline {
    font-size: 0.85rem;
    color: var(--text-secondary);
    line-height: 1.5;
  }
  
  .service-tag-pill {
    display: inline-block;
    padding: 3px 10px;
    background: var(--gold-dim);
    border: 1px solid var(--gold-border);
    border-radius: 12px;
    font-size: 0.65rem;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    color: var(--gold);
    margin-top: 8px;
  }
  
  .service-arrow {
    width: 40px;
    height: 40px;
    border-radius: 50%;
    border: 1px solid var(--border-default);
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    transition: background 0.25s, border-color 0.25s, transform 0.3s;
  }
  
  .service-row:hover .service-arrow {
    background: var(--gold);
    border-color: var(--gold);
    transform: rotate(45deg);
  }
  
  .service-arrow svg {
    width: 15px;
    height: 15px;
    color: var(--text-tertiary);
    transition: color 0.25s;
  }
  
  .service-row:hover .service-arrow svg {
    color: #0a0a0f;
  }
  
  /* Services highlight band */
  .services-highlight {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 28px 40px;
    background: linear-gradient(135deg, var(--gold-dim), var(--teal-dim));
    border: 1px solid var(--gold-border);
    border-radius: 12px;
    margin-top: 24px;
  }
  
  .services-highlight-text {
    font-family: var(--ff-display);
    font-size: 1.3rem;
    font-weight: 300;
    color: var(--text-primary);
    line-height: 1.4;
  }
  
  .services-highlight-text span {
    color: var(--gold);
  }
  
  /* ================================================
     13. TESTIMONIALS
  ================================================ */
  .testimonials {
    padding: 130px 5%;
    background: var(--bg-secondary);
  }
  
  .testimonials-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 20px;
    margin-top: 60px;
  }
  
  .testimonial-card {
    background: var(--bg-card);
    border: 1px solid var(--border-subtle);
    border-radius: 18px;
    padding: 38px;
    position: relative;
    box-shadow: var(--shadow-card);
    transition: border-color 0.3s, transform 0.3s;
  }
  
  .testimonial-card:hover {
    border-color: var(--border-default);
    transform: translateY(-4px);
  }
  
  .testimonial-quote-mark {
    font-family: var(--ff-display);
    font-size: 4rem;
    font-weight: 300;
    color: var(--gold);
    line-height: 1;
    margin-bottom: 14px;
    opacity: 0.35;
  }
  
  .testimonial-text {
    font-size: 0.95rem;
    color: var(--text-secondary);
    line-height: 1.85;
    margin-bottom: 30px;
  }
  
  .testimonial-author {
    display: flex;
    align-items: center;
    gap: 14px;
    padding-top: 22px;
    border-top: 1px solid var(--border-subtle);
  }
  
  .testimonial-avatar {
    width: 42px;
    height: 42px;
    border-radius: 50%;
    background: var(--gold-dim);
    border: 1px solid var(--gold-border);
    display: flex;
    align-items: center;
    justify-content: center;
    font-family: var(--ff-display);
    font-size: 1rem;
    color: var(--gold);
    font-weight: 300;
    flex-shrink: 0;
  }
  
  .testimonial-name {
    font-size: 0.90rem;
    font-weight: 500;
    color: var(--text-primary);
  }
  
  .testimonial-role {
    font-size: 0.76rem;
    color: var(--text-tertiary);
    margin-top: 3px;
    letter-spacing: 0.04em;
  }
  
  /* ================================================
     14. TECH STACK STRIP
  ================================================ */
  .tech {
    padding: 72px 5%;
    background: var(--bg-primary);
    border-top: 1px solid var(--border-subtle);
    border-bottom: 1px solid var(--border-subtle);
  }
  
  .tech-label {
    font-size: 0.68rem;
    letter-spacing: 0.22em;
    text-transform: uppercase;
    color: var(--text-faint);
    text-align: center;
    margin-bottom: 40px;
  }
  
  .tech-logos {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 36px;
    flex-wrap: wrap;
  }
  
  .tech-logo-item {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 8px;
    opacity: 0.35;
    transition: opacity 0.25s;
  }
  
  .tech-logo-item:hover {
    opacity: 0.9;
  }
  
  .tech-logo-icon {
    width: 40px;
    height: 40px;
    border-radius: 9px;
    background: var(--bg-surface);
    border: 1px solid var(--border-subtle);
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 600;
    font-size: 0.62rem;
    letter-spacing: 0.04em;
    color: var(--text-secondary);
  }
  
  .tech-logo-name {
    font-size: 0.62rem;
    letter-spacing: 0.12em;
    text-transform: uppercase;
    color: var(--text-faint);
  }
  
  /* ================================================
     15. CTA SECTION
  ================================================ */
  .cta {
    padding: 160px 5%;
    background: var(--bg-secondary);
    text-align: center;
    position: relative;
    overflow: hidden;
  }
  
  .cta-orb {
    position: absolute;
    top: 50%;
    left: 50%;
    transform: translate(-50%, -50%);
    width: 700px;
    height: 700px;
    border-radius: 50%;
    background: radial-gradient(circle, var(--orb-1-color) 0%, transparent 65%);
    pointer-events: none;
  }
  
  .cta-eyebrow {
    display: inline-flex;
    align-items: center;
    gap: 12px;
    margin-bottom: 1.5rem;
    justify-content: center;
  }
  
  .cta h2 {
    font-family: var(--ff-display);
    font-size: clamp(2.8rem, 5.5vw, 5rem);
    font-weight: 300;
    line-height: 1.10;
    color: var(--text-primary);
    margin-bottom: 1.5rem;
    position: relative;
  }
  
  .cta h2 em {
    font-style: italic;
    color: var(--gold-light);
  }
  
  [data-theme="light"] .cta h2 em {
    color: #7a4f18;
  }
  
  .cta p {
    font-size: 1.05rem;
    color: var(--text-secondary);
    max-width: 480px;
    margin: 0 auto 2.5rem;
    line-height: 1.85;
  }
  
  .cta-actions {
    display: flex;
    gap: 1rem;
    justify-content: center;
    flex-wrap: wrap;
  }
  
  .cta-contact {
    margin-top: 2.5rem;
    font-size: 0.84rem;
    color: var(--text-tertiary);
  }
  
  .cta-contact a {
    color: var(--gold);
    transition: color 0.2s;
  }
  
  .cta-contact a:hover {
    color: var(--gold-light);
  }
  
  /* ================================================
     16. FOOTER
  ================================================ */
  footer {
    background: var(--bg-primary);
    border-top: 1px solid var(--border-subtle);
    padding: 72px 5% 36px;
  }
  
  .footer-grid {
    display: grid;
    grid-template-columns: 1.6fr 1fr 1fr 1fr;
    gap: 48px;
    padding-bottom: 52px;
    border-bottom: 1px solid var(--border-subtle);
    margin-bottom: 32px;
  }
  
  .footer-brand img {
    height: 36px;
    width: auto;
    margin-bottom: 18px;
  }
  
  [data-theme="light"] .footer-brand img {
    filter: brightness(0.65) saturate(0.7);
  }
  
  .footer-brand-desc {
    font-size: 0.85rem;
    color: var(--text-tertiary);
    line-height: 1.80;
    margin-bottom: 22px;
  }
  
  .footer-socials {
    display: flex;
    gap: 10px;
  }
  
  .footer-social {
    width: 36px;
    height: 36px;
    border-radius: 8px;
    border: 1px solid var(--border-subtle);
    display: flex;
    align-items: center;
    justify-content: center;
    transition: border-color 0.25s, background 0.25s;
  }
  
  .footer-social:hover {
    border-color: var(--gold-border);
    background: var(--gold-dim);
  }
  
  .footer-social svg {
    width: 14px;
    height: 14px;
    color: var(--text-tertiary);
  }
  
  .footer-col-title {
    font-size: 0.70rem;
    letter-spacing: 0.18em;
    text-transform: uppercase;
    color: var(--text-faint);
    margin-bottom: 20px;
  }
  
  .footer-links {
    list-style: none;
    display: flex;
    flex-direction: column;
    gap: 11px;
  }
  
  .footer-links a {
    font-size: 0.87rem;
    color: var(--text-secondary);
    transition: color 0.2s;
  }
  
  .footer-links a:hover {
    color: var(--gold);
  }
  
  .footer-contact-item {
    display: flex;
    align-items: flex-start;
    gap: 10px;
    margin-bottom: 14px;
  }
  
  .footer-contact-item svg {
    width: 14px;
    height: 14px;
    color: var(--gold);
    flex-shrink: 0;
    margin-top: 3px;
  }
  
  .footer-contact-item span {
    font-size: 0.85rem;
    color: var(--text-secondary);
    line-height: 1.65;
  }
  
  .footer-contact-item a {
    color: var(--text-secondary);
    transition: color 0.2s;
  }
  
  .footer-contact-item a:hover {
    color: var(--gold);
  }
  
  .footer-bottom {
    display: flex;
    justify-content: space-between;
    align-items: center;
  }
  
  .footer-copy {
    font-size: 0.76rem;
    color: var(--text-faint);
  }
  
  .footer-back-top {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    font-size: 0.74rem;
    letter-spacing: 0.10em;
    text-transform: uppercase;
    color: var(--text-faint);
    transition: color 0.2s;
    cursor: none;
    background: none;
    border: none;
  }
  
  .footer-back-top:hover {
    color: var(--gold);
  }
  
  .footer-back-top svg {
    width: 14px;
    height: 14px;
  }
  
  /* ================================================
     17. NAV RIGHT GROUP, THEME TOGGLE & SCROLL-TO-TOP
  ================================================ */
  
  /* Nav right cluster: toggle + CTA + hamburger */
  .nav-right {
    display: flex;
    align-items: center;
    gap: 10px;
  }
  
  /* Theme toggle — lives inside navbar */
  .nav-theme-toggle {
    width: 36px;
    height: 36px;
    border-radius: 8px;
    background: var(--bg-surface);
    border: 1px solid var(--border-default);
    display: flex;
    align-items: center;
    justify-content: center;
    cursor: none;
    transition: background 0.25s, border-color 0.25s;
    flex-shrink: 0;
  }
  
  .nav-theme-toggle:hover {
    border-color: var(--gold-border);
    background: var(--gold-dim);
  }
  
  .nav-theme-toggle svg {
    width: 16px;
    height: 16px;
    color: var(--text-secondary);
    transition: color 0.25s;
  }
  
  .nav-theme-toggle:hover svg {
    color: var(--gold);
  }
  
  /* Only show relevant icon */
  .icon-sun  { display: none; }
  .icon-moon { display: block; }
  
  [data-theme="light"] .icon-sun  { display: block; }
  [data-theme="light"] .icon-moon { display: none; }
  
  /* Scroll-to-top floating button */
  .scroll-top-btn {
    position: fixed;
    bottom: 32px;
    right: 32px;
    z-index: 2000;
    width: 46px;
    height: 46px;
    border-radius: 50%;
    background: var(--bg-card);
    border: 1px solid var(--border-default);
    box-shadow: var(--shadow-card);
    display: flex;
    align-items: center;
    justify-content: center;
    cursor: none;
    /* Hidden by default — shown after hero via JS */
    opacity: 0;
    visibility: hidden;
    transform: translateY(12px);
    transition:
      opacity    0.3s var(--ease-out),
      visibility 0.3s,
      transform  0.3s var(--ease-out),
      border-color 0.25s,
      background   0.25s;
  }
  
  .scroll-top-btn.visible {
    opacity: 1;
    visibility: visible;
    transform: translateY(0);
  }
  
  .scroll-top-btn:hover {
    border-color: var(--gold-border);
    background: var(--gold-dim);
  }
  
  .scroll-top-btn svg {
    width: 16px;
    height: 16px;
    color: var(--text-secondary);
    transition: color 0.25s, transform 0.25s;
  }
  
  .scroll-top-btn:hover svg {
    color: var(--gold);
    transform: translateY(-2px);
  }
  
  /* ================================================
     18. RESPONSIVE BREAKPOINTS
  ================================================ */
  @media (max-width: 1200px) {
    .ai-grid { grid-template-columns: repeat(2, 1fr); }
  }
  
  @media (max-width: 1100px) {
    .products-grid { grid-template-columns: 1fr; }
    .testimonials-grid { grid-template-columns: repeat(2, 1fr); }
    .footer-grid { grid-template-columns: 1fr 1fr; gap: 36px; }
    .ai-header { flex-direction: column; align-items: flex-start; }
    .ai-header-right { text-align: left; }
    .services-header { flex-direction: column; align-items: flex-start; }
    .services-header-right { text-align: left; }
  }
  
  @media (max-width: 900px) {
    .about { grid-template-columns: 1fr; gap: 48px; }
    .services-highlight { flex-direction: column; gap: 20px; text-align: center; }
  }
  
  @media (max-width: 768px) {
    .nav-links { display: none; }
    .nav-hamburger { display: flex; }
    .nav-cta { display: none; }
    .hero-scroll { display: none; }
    .hero-stats { gap: 2rem; }
    .testimonials-grid { grid-template-columns: 1fr; }
    .footer-grid { grid-template-columns: 1fr; gap: 32px; }
    .footer-bottom { flex-direction: column; gap: 12px; text-align: center; }
    .service-row { grid-template-columns: 44px 1fr auto; gap: 16px; padding: 24px 20px; }
    .service-row:hover { padding-left: 28px; }
    .cta { padding: 100px 5%; }
    .scroll-top-btn { bottom: 20px; right: 20px; }
  }
  
  @media (max-width: 540px) {
    .hero-actions { flex-direction: column; }
    .btn-primary, .btn-ghost { width: 100%; justify-content: center; }
    .hero-stats { flex-direction: column; gap: 1.5rem; }
    .ai-grid { grid-template-columns: 1fr; }
    .cta-actions { flex-direction: column; align-items: center; }
    .theme-toggle { bottom: 20px; right: 20px; }
  }