/* =========================================================
   FINSYSIA — Design System (light, modern, CRIF-inspired)
   ========================================================= */
:root{
  --navy:#0a2540;      /* deep corporate navy */
  --navy-2:#123a63;
  --blue:#1466b8;      /* primary blue */
  --blue-600:#0f5aa8;
  --cyan:#12b3d6;      /* accent */
  --amber:#f6a609;     /* highlight */
  --green:#12a37a;
  --ink:#0b2036;       /* main text */
  --muted:#5a728f;     /* secondary text */
  --line:#e4ecf5;      /* borders */
  --soft:#f4f8fd;      /* soft section bg */
  --soft-2:#eef5fc;
  --white:#ffffff;
  --radius:16px;
  --radius-sm:12px;
  --shadow:0 10px 30px rgba(10,37,64,.08);
  --shadow-lg:0 24px 60px rgba(10,37,64,.14);
  --maxw:1200px;
  --font:"Inter","Segoe UI",system-ui,-apple-system,Arial,sans-serif;
}

*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  font-family:var(--font);color:var(--ink);background:var(--white);
  line-height:1.6;-webkit-font-smoothing:antialiased;overflow-x:hidden;
}
a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 24px}

/* ---------- Typography ---------- */
h1,h2,h3,h4{line-height:1.12;letter-spacing:-.02em;color:var(--navy);font-weight:800}
h1{font-size:clamp(2.1rem,4.6vw,3.6rem)}
h2{font-size:clamp(1.7rem,3.2vw,2.5rem)}
h3{font-size:1.25rem}
.lead{font-size:clamp(1.02rem,1.6vw,1.22rem);color:var(--muted);font-weight:400}
.kicker{display:inline-flex;align-items:center;gap:10px;text-transform:uppercase;
  letter-spacing:.18em;font-size:.72rem;font-weight:800;color:var(--blue)}
.kicker::before{content:"";width:26px;height:2px;background:var(--amber)}
.center{text-align:center}
.center .kicker{justify-content:center}

/* ---------- Buttons ---------- */
.btn{display:inline-flex;align-items:center;gap:9px;font-weight:700;font-size:.95rem;
  padding:13px 24px;border-radius:999px;transition:.25s;border:1px solid transparent;cursor:pointer}
.btn-primary{background:var(--blue);color:#fff;box-shadow:0 8px 22px rgba(20,102,184,.28)}
.btn-primary:hover{background:var(--blue-600);transform:translateY(-2px);box-shadow:0 12px 28px rgba(20,102,184,.36)}
.btn-ghost{background:transparent;color:var(--navy);border-color:var(--line)}
.btn-ghost:hover{border-color:var(--blue);color:var(--blue)}
.btn-light{background:#fff;color:var(--navy)}
.btn-light:hover{transform:translateY(-2px);box-shadow:var(--shadow)}
.btn-outline-light{background:transparent;color:#fff;border-color:rgba(255,255,255,.4)}
.btn-outline-light:hover{background:rgba(255,255,255,.1);border-color:#fff}
.arrow{transition:.25s}
.btn:hover .arrow{transform:translateX(3px)}

/* ---------- Header / Nav ---------- */
.header{position:sticky;top:0;z-index:100;background:rgba(255,255,255,.9);
  backdrop-filter:saturate(180%) blur(12px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;height:72px}
.brand{display:flex;align-items:center;gap:12px}
.logo-mark{width:34px;height:34px;border-radius:9px;background:linear-gradient(135deg,var(--blue),var(--cyan));
  position:relative;box-shadow:0 6px 16px rgba(18,179,214,.35);flex:none}
.logo-mark::after{content:"";position:absolute;inset:9px;border-radius:4px;
  background:var(--amber);transform:rotate(45deg)}
.brand-txt{display:flex;flex-direction:column;line-height:1.05}
.brand-name{font-weight:900;font-size:1.15rem;letter-spacing:.02em;color:var(--navy)}
.brand-name b{color:var(--blue)}
.brand-sub{font-size:.6rem;letter-spacing:.22em;text-transform:uppercase;color:var(--muted);font-weight:700}
.nav-links{display:flex;align-items:center;gap:6px}
.nav-links a{padding:9px 15px;border-radius:9px;font-weight:600;font-size:.94rem;color:var(--ink);transition:.2s}
.nav-links a:hover{background:var(--soft);color:var(--blue)}
.nav-links a.active{color:var(--blue)}
.nav-right{display:flex;align-items:center;gap:14px}
.lang{display:flex;border:1px solid var(--line);border-radius:999px;overflow:hidden;font-size:.78rem;font-weight:800}
.lang button{background:#fff;border:0;padding:6px 12px;cursor:pointer;color:var(--muted);transition:.2s}
.lang button.on{background:var(--navy);color:#fff}
.burger{display:none;flex-direction:column;gap:5px;background:none;border:0;cursor:pointer;padding:6px}
.burger span{width:24px;height:2px;background:var(--navy);border-radius:2px;transition:.25s}

/* ---------- Hero ---------- */
.hero{position:relative;background:
    radial-gradient(1100px 500px at 82% -10%,rgba(18,179,214,.16),transparent 60%),
    radial-gradient(900px 500px at 10% 110%,rgba(20,102,184,.10),transparent 55%),
    linear-gradient(180deg,#fbfdff,#f2f8fd);
  border-bottom:1px solid var(--line);overflow:hidden}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:48px;align-items:center;
  padding:76px 0 84px}
.hero h1{margin:16px 0 20px}
.hero h1 .grad{background:linear-gradient(90deg,var(--blue),var(--cyan));-webkit-background-clip:text;background-clip:text;color:transparent}
.hero .lead{max-width:560px}
.hero-cta{display:flex;gap:14px;flex-wrap:wrap;margin-top:32px}
.hero-badges{display:flex;gap:22px;margin-top:38px;flex-wrap:wrap}
.hero-badge{display:flex;flex-direction:column}
.hero-badge b{font-size:1.6rem;color:var(--navy);font-weight:900;letter-spacing:-.02em}
.hero-badge span{font-size:.8rem;color:var(--muted);font-weight:600}

/* Hero visual card */
.hero-visual{position:relative}
.panel{background:#fff;border:1px solid var(--line);border-radius:20px;box-shadow:var(--shadow-lg);
  padding:22px;position:relative;z-index:2}
.panel-top{display:flex;align-items:center;justify-content:space-between;
  padding-bottom:14px;border-bottom:1px solid var(--line);margin-bottom:16px}
.panel-top b{font-size:.9rem;color:var(--navy)}
.chip{font-size:.68rem;font-weight:800;text-transform:uppercase;letter-spacing:.1em;
  background:rgba(18,163,122,.12);color:var(--green);padding:5px 10px;border-radius:999px}
.flow{display:flex;align-items:center;justify-content:space-between;gap:6px;margin:6px 0 18px}
.flow .step{flex:1;text-align:center;background:var(--soft);border:1px solid var(--line);
  border-radius:10px;padding:10px 4px;font-size:.72rem;font-weight:700;color:var(--navy)}
.flow .sep{color:var(--cyan);font-weight:900;flex:none}
.bars{display:flex;align-items:flex-end;gap:9px;height:120px;padding:6px 4px 0}
.bars i{flex:1;border-radius:6px 6px 0 0;background:linear-gradient(180deg,var(--cyan),var(--blue));opacity:.9}
.mini-cards{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-top:16px}
.mini{background:var(--soft);border:1px solid var(--line);border-radius:10px;padding:11px 13px}
.mini b{display:block;font-size:1.1rem;color:var(--navy)}
.mini span{font-size:.72rem;color:var(--muted)}
.blob{position:absolute;border-radius:50%;filter:blur(4px);z-index:1}
.blob.a{width:180px;height:180px;background:rgba(246,166,9,.16);right:-40px;top:-40px}
.blob.b{width:150px;height:150px;background:rgba(18,179,214,.16);left:-40px;bottom:-30px}

/* ---------- Sections ---------- */
section{padding:84px 0}
.section-soft{background:var(--soft);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.section-navy{background:
    radial-gradient(800px 400px at 85% 0%,rgba(18,179,214,.18),transparent 60%),
    linear-gradient(160deg,var(--navy),#071b30);color:#fff}
.section-navy h1,.section-navy h2,.section-navy h3{color:#fff}
.section-navy .lead{color:#c3d5ea}
.section-navy .kicker{color:var(--cyan)}
.section-head{max-width:720px;margin-bottom:52px}
.section-head.center{margin-left:auto;margin-right:auto}

/* ---------- Stat band ---------- */
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:24px}
.stat{text-align:center}
.stat b{display:block;font-size:clamp(2rem,4vw,2.9rem);font-weight:900;letter-spacing:-.03em;
  background:linear-gradient(90deg,var(--blue),var(--cyan));-webkit-background-clip:text;background-clip:text;color:transparent}
.stat span{color:var(--muted);font-weight:600;font-size:.9rem}
.section-navy .stat b{background:linear-gradient(90deg,#57d6f2,#8ab4ff);-webkit-background-clip:text;background-clip:text;color:transparent}
.section-navy .stat span{color:#b9cde3}

/* ---------- Cards grid ---------- */
.grid{display:grid;gap:22px}
.g2{grid-template-columns:repeat(2,1fr)}
.g3{grid-template-columns:repeat(3,1fr)}
.g4{grid-template-columns:repeat(4,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px;
  transition:.28s;position:relative}
.card:hover{transform:translateY(-4px);box-shadow:var(--shadow-lg);border-color:#d3e3f4}
.card .ic{width:50px;height:50px;border-radius:13px;display:grid;place-items:center;margin-bottom:18px;
  background:linear-gradient(135deg,rgba(20,102,184,.12),rgba(18,179,214,.14));color:var(--blue)}
.card .ic svg{width:24px;height:24px}
.card h3{margin-bottom:8px}
.card p{color:var(--muted);font-size:.95rem}
.card.accent-cyan .ic{color:var(--cyan)}
.card.accent-amber .ic{color:var(--amber);background:linear-gradient(135deg,rgba(246,166,9,.14),rgba(246,166,9,.08))}
.card.accent-green .ic{color:var(--green);background:linear-gradient(135deg,rgba(18,163,122,.14),rgba(18,163,122,.08))}

/* numbered pillar cards */
.pillar .num{font-size:.8rem;font-weight:900;color:var(--blue);letter-spacing:.1em}
.pillar h3{margin:6px 0 8px;font-size:1.1rem}

/* feature list (dimensions) */
.dim{display:flex;gap:18px;align-items:flex-start;background:#fff;border:1px solid var(--line);
  border-radius:var(--radius);padding:24px;transition:.28s}
.dim:hover{box-shadow:var(--shadow);transform:translateY(-3px)}
.dim .ic{flex:none;width:48px;height:48px;border-radius:12px;display:grid;place-items:center;
  background:linear-gradient(135deg,var(--navy),var(--blue));color:#fff}
.dim h3{font-size:1.08rem;margin-bottom:4px}
.dim p{color:var(--muted);font-size:.92rem}

/* segments / solutions */
.seg{background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;
  transition:.28s;height:100%}
.seg:hover{box-shadow:var(--shadow-lg);transform:translateY(-4px)}
.seg-head{padding:24px 26px;color:#fff;position:relative}
.seg-head.fin{background:linear-gradient(135deg,#0f5aa8,#1466b8)}
.seg-head.reg{background:linear-gradient(135deg,#0a7fa8,#12b3d6)}
.seg-head.tax{background:linear-gradient(135deg,#b47c07,#f6a609)}
.seg-head.doc{background:linear-gradient(135deg,#0e7a5c,#12a37a)}
.seg-head b{font-size:1.15rem;font-weight:800;letter-spacing:.02em}
.seg-head span{display:block;font-size:.82rem;opacity:.9;margin-top:3px}
.seg-body{padding:20px 26px 26px}
.seg-body li{list-style:none;padding:9px 0 9px 26px;position:relative;font-size:.93rem;color:var(--ink);border-bottom:1px solid var(--soft-2)}
.seg-body li:last-child{border-bottom:0}
.seg-body li::before{content:"";position:absolute;left:0;top:14px;width:14px;height:14px;
  background:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%2312b3d6' stroke-width='3'%3E%3Cpath d='M20 6L9 17l-5-5'/%3E%3C/svg%3E") no-repeat center/contain}

/* before/after */
.ba{display:grid;grid-template-columns:1fr 1fr;gap:22px}
.ba-col{border-radius:var(--radius);padding:28px;border:1px solid var(--line)}
.ba-before{background:#fff}
.ba-after{background:linear-gradient(160deg,#0a2540,#123a63);color:#fff;border-color:transparent}
.ba-col h3{margin-bottom:16px;font-size:1.15rem}
.ba-after h3{color:#fff}
.ba-col li{list-style:none;padding:10px 0 10px 28px;position:relative;font-size:.94rem}
.ba-before li{color:var(--muted)}
.ba-before li::before{content:"\2715";position:absolute;left:0;color:#d0455a;font-weight:900}
.ba-after li{color:#d6e6f6}
.ba-after li::before{content:"\2713";position:absolute;left:0;color:#3fd6a0;font-weight:900}

/* logos strip */
.logos{display:flex;flex-wrap:wrap;gap:14px;justify-content:center}
.logos .tag{display:flex;align-items:center;gap:8px;background:#fff;border:1px solid var(--line);
  border-radius:999px;padding:11px 20px;font-weight:700;color:var(--navy);font-size:.9rem}
.logos .tag .dot{width:9px;height:9px;border-radius:50%;background:var(--cyan)}

/* CTA band */
.cta{background:
    radial-gradient(700px 320px at 85% 20%,rgba(18,179,214,.28),transparent 60%),
    linear-gradient(140deg,var(--navy),#0c2c4d);color:#fff;border-radius:24px;
  padding:56px;text-align:center;box-shadow:var(--shadow-lg);position:relative;overflow:hidden}
.cta h2{color:#fff;margin-bottom:14px}
.cta p{color:#c3d5ea;max-width:560px;margin:0 auto 28px}
.cta .btn-row{display:flex;gap:14px;justify-content:center;flex-wrap:wrap}

/* org grid */
.org{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.org .o{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.14);border-radius:12px;
  padding:20px;color:#fff}
.org .o b{display:block;font-size:1rem;margin-bottom:4px}
.org .o span{font-size:.85rem;color:#b9cde3}

/* value flow */
.vflow{display:flex;align-items:stretch;gap:0;flex-wrap:wrap;justify-content:center}
.vflow .v{background:#fff;border:1px solid var(--line);border-radius:12px;padding:18px 22px;
  text-align:center;min-width:140px}
.vflow .v b{display:block;color:var(--navy);font-size:1.02rem}
.vflow .v span{font-size:.78rem;color:var(--muted)}
.vflow .va{align-self:center;color:var(--cyan);font-weight:900;font-size:1.3rem;padding:0 12px}

/* contact */
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:start}
.info-row{display:flex;gap:14px;align-items:flex-start;padding:16px 0;border-bottom:1px solid var(--line)}
.info-row .ic{flex:none;width:44px;height:44px;border-radius:12px;display:grid;place-items:center;
  background:var(--soft);color:var(--blue)}
.info-row b{display:block;color:var(--navy)}
.info-row span{color:var(--muted);font-size:.92rem}
.form{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:30px;box-shadow:var(--shadow)}
.field{margin-bottom:16px}
.field label{display:block;font-size:.82rem;font-weight:700;color:var(--navy);margin-bottom:6px}
.field input,.field textarea,.field select{width:100%;border:1px solid var(--line);border-radius:10px;
  padding:12px 14px;font-family:inherit;font-size:.95rem;color:var(--ink);background:var(--soft);transition:.2s}
.field input:focus,.field textarea:focus,.field select:focus{outline:0;border-color:var(--blue);background:#fff;
  box-shadow:0 0 0 4px rgba(20,102,184,.1)}

/* page hero (inner) */
.page-hero{background:
    radial-gradient(900px 380px at 88% -20%,rgba(18,179,214,.16),transparent 60%),
    linear-gradient(180deg,#fbfdff,#f2f8fd);border-bottom:1px solid var(--line);padding:60px 0}
.page-hero .lead{max-width:640px;margin-top:14px}
.breadcrumb{font-size:.82rem;color:var(--muted);margin-bottom:14px;font-weight:600}
.breadcrumb a:hover{color:var(--blue)}

/* ---------- Footer ---------- */
.footer{background:var(--navy);color:#c3d5ea;padding:60px 0 26px}
.footer h4{color:#fff;font-size:.9rem;letter-spacing:.04em;margin-bottom:16px;text-transform:uppercase}
.footer-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:32px;padding-bottom:36px;border-bottom:1px solid rgba(255,255,255,.12)}
.footer a{color:#b9cde3;font-size:.92rem;display:block;padding:5px 0;transition:.2s}
.footer a:hover{color:#fff}
.footer .brand-name{color:#fff}
.footer .brand-sub{color:#8aa6c4}
.footer p{font-size:.9rem;color:#9db6d1;margin-top:14px;max-width:300px}
.footer-bottom{display:flex;justify-content:space-between;align-items:center;padding-top:22px;
  font-size:.82rem;color:#8aa6c4;flex-wrap:wrap;gap:10px}

/* reveal animation */
.reveal{opacity:0;transform:translateY(22px);transition:.7s cubic-bezier(.2,.7,.2,1)}
.reveal.in{opacity:1;transform:none}

/* ---------- Responsive ---------- */
@media(max-width:960px){
  .hero-grid{grid-template-columns:1fr;gap:36px;padding:56px 0 60px}
  .hero-visual{max-width:480px}
  .g4{grid-template-columns:repeat(2,1fr)}
  .g3{grid-template-columns:repeat(2,1fr)}
  .stats{grid-template-columns:repeat(2,1fr);gap:32px 20px}
  .footer-grid{grid-template-columns:1fr 1fr}
  .org{grid-template-columns:1fr 1fr}
}
@media(max-width:720px){
  .nav-links{position:fixed;inset:72px 0 auto 0;background:#fff;flex-direction:column;
    align-items:stretch;gap:0;padding:8px 16px 18px;border-bottom:1px solid var(--line);
    box-shadow:var(--shadow);transform:translateY(-140%);transition:.3s;z-index:90}
  .nav-links.open{transform:none}
  .nav-links a{padding:13px 12px;border-radius:8px;border-bottom:1px solid var(--soft)}
  .burger{display:flex}
  .burger.x span:nth-child(1){transform:translateY(7px) rotate(45deg)}
  .burger.x span:nth-child(2){opacity:0}
  .burger.x span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}
  .g2,.g3,.g4,.ba,.contact-grid,.org{grid-template-columns:1fr}
  section{padding:60px 0}
  .cta{padding:40px 24px}
  .hero-badges{gap:18px}
}