/* ===== Upside Payments — Site Styles ===== */

:root {
  --black: #0a0a0a;
  --black-soft: #131313;
  --white: #ffffff;
  --ivory: #fafafa;
  --ink: #111111;
  --gray-900: #1a1a1a;
  --gray-700: #4b4b4b;
  --gray-500: #767676;
  --gray-300: #d6d6d6;
  --gray-100: #efefef;
  --border-dark: rgba(255, 255, 255, 0.12);
  --border-light: rgba(0, 0, 0, 0.1);
  --accent: #3b6ef6;
  --accent-dark: #2a52c4;
  --accent-2: #7c5cff;
  --max-width: 1160px;
  --radius: 4px;
  --notch: 18px;
  --transition: 160ms cubic-bezier(.4,0,.2,1);
}

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

html {
  scroll-behavior: smooth;
}

body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  background: var(--white);
  color: var(--ink);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
ul { list-style: none; }

.container {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 24px;
}

h1, h2, h3, h4 {
  font-family: 'Space Grotesk', 'Inter', sans-serif;
  font-weight: 700;
  letter-spacing: -0.02em;
  line-height: 1.1;
}

h1 { font-size: clamp(2.6rem, 5.4vw, 3.9rem); }
h2 { font-size: clamp(1.9rem, 3.6vw, 2.5rem); }
h3 { font-size: 1.25rem; }

.grad-text {
  background: linear-gradient(100deg, var(--accent) 10%, var(--accent-2) 90%);
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
}

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--accent);
  margin-bottom: 14px;
}

.eyebrow::before {
  content: "";
  display: inline-block;
  width: 18px;
  height: 2px;
  background: linear-gradient(90deg, var(--accent), var(--accent-2));
  transform: skewX(-25deg);
}

.section {
  padding: 96px 0;
}

.section--tight { padding: 64px 0; }

.section--dark {
  background: var(--black);
  color: var(--white);
}

.section--ivory {
  background: var(--ivory);
}

.section-head {
  max-width: 640px;
  margin-bottom: 56px;
}

.section-head p {
  color: var(--gray-500);
  font-size: 1.05rem;
}

.section--dark .section-head p { color: var(--gray-300); }

/* ---------- Buttons ---------- */

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 14px 28px;
  border-radius: 2px;
  clip-path: polygon(0 0, calc(100% - 13px) 0, 100% 13px, 100% 100%, 0 100%);
  font-weight: 600;
  font-size: 0.95rem;
  letter-spacing: 0.01em;
  transition: all var(--transition);
  border: 1px solid transparent;
  cursor: pointer;
  white-space: nowrap;
}

.btn--primary {
  background: var(--white);
  color: var(--black);
}
.btn--primary:hover {
  background: var(--accent);
  color: var(--white);
  box-shadow: 0 0 0 1px var(--accent), 0 0 28px rgba(59,110,246,0.55);
}

.btn--dark {
  background: var(--black);
  color: var(--white);
}
.btn--dark:hover {
  background: var(--accent);
  box-shadow: 0 0 0 1px var(--accent), 0 0 28px rgba(59,110,246,0.5);
}

.btn--outline {
  background: transparent;
  border-color: var(--border-dark);
  color: var(--white);
}
.btn--outline:hover {
  border-color: var(--accent);
  color: var(--accent);
  box-shadow: 0 0 20px rgba(59,110,246,0.25);
}

.btn--outline-dark {
  background: transparent;
  border-color: var(--border-light);
  color: var(--ink);
}
.btn--outline-dark:hover { border-color: var(--accent); color: var(--accent); }

.btn--sm {
  padding: 10px 20px;
  font-size: 0.85rem;
  clip-path: polygon(0 0, calc(100% - 10px) 0, 100% 10px, 100% 100%, 0 100%);
}

/* ---------- Logo mark (matches brand card) ---------- */

.logo {
  display: flex;
  align-items: center;
  gap: 14px;
  font-family: 'Space Grotesk', sans-serif;
}

.logo__divider {
  width: 1px;
  height: 30px;
  background: var(--border-dark);
}

.logo__word {
  font-size: 1.15rem;
  font-weight: 700;
  letter-spacing: 0.03em;
}

.logo__sub {
  font-size: 0.55rem;
  font-weight: 600;
  letter-spacing: 0.28em;
  color: var(--gray-500);
  display: flex;
  align-items: center;
  gap: 6px;
  margin-top: 2px;
}

.logo__sub::before,
.logo__sub::after {
  content: "";
  width: 10px;
  height: 1px;
  background: var(--gray-500);
}

.logo--light .logo__word,
.logo--light .logo__sub { color: var(--white); }
.logo--light .logo__divider { background: var(--border-dark); }
.logo--light .logo__sub,
.logo--light .logo__sub::before,
.logo--light .logo__sub::after { color: var(--gray-300); background: var(--gray-300); }

.logo--dark .logo__word,
.logo--dark .logo__sub { color: var(--ink); }
.logo--dark .logo__sub,
.logo--dark .logo__sub::before,
.logo--dark .logo__sub::after { color: var(--gray-500); background: var(--gray-500); }

.logo__img {
  height: 44px;
  width: auto;
  display: block;
}

.site-footer .logo__img { height: 52px; }

/* ---------- Header / Nav ---------- */

.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(10, 10, 10, 0.85);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--border-dark);
}

.nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 84px;
}

.nav__links {
  display: flex;
  align-items: center;
  gap: 36px;
}

.nav__links a {
  position: relative;
  color: var(--gray-300);
  font-size: 0.92rem;
  font-weight: 500;
  transition: color var(--transition);
  padding-bottom: 4px;
}

.nav__links a::after {
  content: "";
  position: absolute;
  left: 0;
  bottom: 0;
  width: 0;
  height: 2px;
  background: linear-gradient(90deg, var(--accent), var(--accent-2));
  transition: width var(--transition);
}

.nav__links a:hover,
.nav__links a.active { color: var(--white); }

.nav__links a:hover::after,
.nav__links a.active::after { width: 100%; }

.nav__actions {
  display: flex;
  align-items: center;
  gap: 20px;
}

.nav__phone {
  color: var(--gray-300);
  font-size: 0.9rem;
  font-weight: 500;
}
.nav__phone:hover { color: var(--white); }

.nav__toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 8px;
}
.nav__toggle span {
  width: 22px;
  height: 2px;
  background: var(--white);
}

.nav__mobile {
  display: none;
  flex-direction: column;
  gap: 4px;
  padding: 8px 0 24px;
  border-top: 1px solid var(--border-dark);
}
.nav__mobile a {
  color: var(--gray-300);
  padding: 12px 0;
  font-size: 1rem;
  font-weight: 500;
}
.nav__mobile.is-open { display: flex; }

@media (max-width: 860px) {
  .nav__links, .nav__phone { display: none; }
  .nav__toggle { display: flex; }
}

/* ---------- Hero ---------- */

.hero {
  background:
    linear-gradient(rgba(255,255,255,0.035) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.035) 1px, transparent 1px),
    var(--black);
  background-size: 44px 44px, 44px 44px, 100% 100%;
  color: var(--white);
  padding: 110px 0 120px;
  position: relative;
  overflow: hidden;
}

.hero::before {
  content: "";
  position: absolute;
  top: -20%;
  right: -10%;
  width: 560px;
  height: 560px;
  background: radial-gradient(circle, rgba(59,110,246,0.22) 0%, rgba(59,110,246,0) 70%);
  pointer-events: none;
}

.hero::after {
  content: "";
  position: absolute;
  left: 0;
  right: 0;
  bottom: -1px;
  height: 64px;
  background: var(--white);
  clip-path: polygon(0 100%, 100% 0, 100% 100%);
}

.hero__grid {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 60px;
  align-items: center;
  position: relative;
}

.hero p.lead {
  font-size: 1.15rem;
  color: var(--gray-300);
  max-width: 520px;
  margin: 22px 0 36px;
}

.hero__actions {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
}

.hero__badges {
  display: flex;
  gap: 28px;
  flex-wrap: wrap;
  margin-top: 56px;
  padding-top: 32px;
  border-top: 1px solid var(--border-dark);
}

.hero__badges div {
  font-size: 0.82rem;
  color: var(--gray-300);
  font-weight: 500;
}

.hero__badges strong {
  display: block;
  font-family: 'Space Grotesk', sans-serif;
  font-size: 1.6rem;
  color: var(--white);
  font-weight: 700;
}

.hero__panel {
  background: var(--gray-900);
  border: 1px solid var(--border-dark);
  border-radius: 4px;
  clip-path: polygon(0 0, calc(100% - 24px) 0, 100% 24px, 100% 100%, 0 100%);
  padding: 36px;
  position: relative;
}

.hero__panel-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 16px 0;
  border-bottom: 1px solid var(--border-dark);
}
.hero__panel-row:last-child { border-bottom: none; }
.hero__panel-row span:first-child { color: var(--gray-300); font-size: 0.9rem; }
.hero__panel-row span:last-child { font-weight: 600; }

@media (max-width: 900px) {
  .hero__grid { grid-template-columns: 1fr; }
}

/* ---------- Page hero (secondary pages) ---------- */

.page-hero {
  background:
    linear-gradient(rgba(255,255,255,0.035) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.035) 1px, transparent 1px),
    var(--black);
  background-size: 44px 44px, 44px 44px, 100% 100%;
  color: var(--white);
  padding: 76px 0 84px;
  position: relative;
  overflow: hidden;
}

.page-hero::after {
  content: "";
  position: absolute;
  left: 0;
  right: 0;
  bottom: -1px;
  height: 48px;
  background: var(--white);
  clip-path: polygon(0 100%, 100% 0, 100% 100%);
}

.page-hero p {
  color: var(--gray-300);
  max-width: 600px;
  margin-top: 16px;
  font-size: 1.05rem;
}

/* ---------- Cards / grids ---------- */

.grid-3 {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}

.grid-2 {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 28px;
}

.grid-4 {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}

@media (max-width: 900px) {
  .grid-3, .grid-4 { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 620px) {
  .grid-3, .grid-2, .grid-4 { grid-template-columns: 1fr; }
}

.card {
  background: var(--white);
  border: 1px solid var(--border-light);
  border-radius: var(--radius);
  clip-path: polygon(0 0, calc(100% - 18px) 0, 100% 18px, 100% 100%, 0 100%);
  padding: 32px;
  transition: transform var(--transition), box-shadow var(--transition), border-color var(--transition);
}

.card:hover {
  transform: translateY(-4px);
  border-color: var(--accent);
  box-shadow: 0 20px 40px rgba(0,0,0,0.08);
}

.card__icon {
  width: 44px;
  height: 44px;
  border-radius: 2px;
  clip-path: polygon(0 0, calc(100% - 8px) 0, 100% 8px, 100% 100%, 0 100%);
  background: var(--black);
  color: var(--white);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
}

.card h3 { margin-bottom: 10px; }
.card p { color: var(--gray-500); font-size: 0.95rem; }

.card--dark {
  background: var(--gray-900);
  border-color: var(--border-dark);
  color: var(--white);
}
.card--dark:hover { border-color: var(--accent); box-shadow: 0 20px 40px rgba(0,0,0,0.35); }
.card--dark p { color: var(--gray-300); }
.card--dark .card__icon { background: var(--white); color: var(--black); }

.check-list li {
  display: flex;
  gap: 12px;
  padding: 10px 0;
  font-size: 0.98rem;
  color: var(--gray-700);
  border-bottom: 1px solid var(--border-light);
}
.check-list li:last-child { border-bottom: none; }
.check-list li::before {
  content: "";
  flex-shrink: 0;
  width: 18px;
  height: 18px;
  margin-top: 3px;
  border-radius: 50%;
  background: var(--accent);
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16'%3E%3Cpath fill='white' d='M6.4 11.2 3.2 8l1.13-1.13L6.4 8.93l5.27-5.27L12.8 4.8z'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: center;
  background-size: 11px;
}

.service-block {
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  gap: 56px;
  align-items: start;
  padding: 64px 0;
  border-bottom: 1px solid var(--border-light);
}
.service-block:last-child { border-bottom: none; }

.service-block__index {
  font-family: 'Space Grotesk', sans-serif;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--accent);
  letter-spacing: 0.1em;
  margin-bottom: 14px;
}

.service-block p.desc {
  color: var(--gray-500);
  margin: 16px 0 24px;
  font-size: 1.02rem;
}

@media (max-width: 860px) {
  .service-block { grid-template-columns: 1fr; gap: 24px; }
}

/* ---------- CTA banner ---------- */

.cta-banner {
  background: var(--black);
  color: var(--white);
  border-radius: 4px;
  clip-path: polygon(0 0, calc(100% - 32px) 0, 100% 32px, 100% 100%, 0 100%);
  padding: 64px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 40px;
  flex-wrap: wrap;
  position: relative;
  overflow: hidden;
}

.cta-banner::before {
  content: "";
  position: absolute;
  inset: 0;
  background:
    linear-gradient(rgba(255,255,255,0.035) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.035) 1px, transparent 1px);
  background-size: 36px 36px;
  pointer-events: none;
}

.cta-banner h2 { max-width: 480px; position: relative; z-index: 1; }
.cta-banner .hero__actions { position: relative; z-index: 1; }

@media (max-width: 700px) {
  .cta-banner { padding: 40px 28px; text-align: center; justify-content: center; }
}

/* ---------- Values / founder (about page) ---------- */

.founder {
  display: grid;
  grid-template-columns: 0.85fr 1.15fr;
  gap: 64px;
  align-items: center;
}

.founder__portrait {
  aspect-ratio: 4/5;
  background:
    linear-gradient(rgba(255,255,255,0.04) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.04) 1px, transparent 1px),
    var(--black);
  background-size: 32px 32px, 32px 32px, 100% 100%;
  border-radius: 4px;
  clip-path: polygon(0 0, calc(100% - 28px) 0, 100% 28px, 100% 100%, 0 100%);
  display: flex;
  align-items: flex-end;
  padding: 32px;
  color: var(--white);
}

.founder__portrait span {
  font-size: 0.85rem;
  color: var(--gray-300);
}

.founder__portrait strong {
  display: block;
  font-family: 'Space Grotesk', sans-serif;
  font-size: 1.3rem;
  margin-bottom: 4px;
}

@media (max-width: 860px) {
  .founder { grid-template-columns: 1fr; }
}

/* ---------- Contact page ---------- */

.contact-grid {
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  gap: 56px;
  align-items: start;
}

@media (max-width: 860px) {
  .contact-grid { grid-template-columns: 1fr; }
}

.contact-card {
  display: flex;
  gap: 16px;
  align-items: flex-start;
  padding: 20px 0;
  border-bottom: 1px solid var(--border-light);
}
.contact-card:last-child { border-bottom: none; }

.contact-card .card__icon { margin-bottom: 0; }

.contact-card strong { display: block; font-size: 1.05rem; }
.contact-card span { color: var(--gray-500); font-size: 0.92rem; }

.form-group { margin-bottom: 22px; }

.form-group label {
  display: block;
  font-size: 0.85rem;
  font-weight: 600;
  margin-bottom: 8px;
  color: var(--gray-700);
}

.form-group input,
.form-group textarea,
.form-group select {
  width: 100%;
  padding: 14px 16px;
  border: 1px solid var(--border-light);
  border-radius: 2px;
  font-family: inherit;
  font-size: 0.95rem;
  background: var(--ivory);
  transition: border-color var(--transition);
}

.form-group input:focus,
.form-group textarea:focus,
.form-group select:focus {
  outline: none;
  border-color: var(--accent);
  background: var(--white);
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
}
@media (max-width: 560px) {
  .form-row { grid-template-columns: 1fr; }
}

/* ---------- Numbered timeline (Why Us) ---------- */

.timeline {
  position: relative;
  padding-top: 8px;
}

.timeline::before {
  content: "";
  position: absolute;
  top: 0;
  bottom: 0;
  left: 50%;
  width: 2px;
  transform: translateX(-50%);
  background: linear-gradient(to bottom, var(--accent), rgba(59,110,246,0.15));
}

.timeline__step {
  position: relative;
  width: 44%;
  margin-bottom: 56px;
  background: var(--gray-900);
  border: 1px solid var(--border-dark);
  border-radius: var(--radius);
  clip-path: polygon(0 0, calc(100% - 18px) 0, 100% 18px, 100% 100%, 0 100%);
  padding: 28px;
  transition: border-color var(--transition);
}

.timeline__step:hover { border-color: var(--accent); }

.timeline__step:last-child { margin-bottom: 0; }

.timeline__step:nth-child(odd) { margin-right: auto; }
.timeline__step:nth-child(even) { margin-left: auto; }

.timeline__num {
  position: absolute;
  top: 24px;
  width: 38px;
  height: 38px;
  border-radius: 50%;
  background: var(--accent);
  color: var(--white);
  font-family: 'Space Grotesk', sans-serif;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 0 0 6px var(--black), 0 0 20px rgba(59,110,246,0.5);
}

.timeline__step:nth-child(odd) .timeline__num { right: -63px; }
.timeline__step:nth-child(even) .timeline__num { left: -63px; }

.timeline__step h3 { color: var(--white); margin-bottom: 8px; }
.timeline__step p { color: var(--gray-300); font-size: 0.95rem; }

@media (max-width: 760px) {
  .timeline::before { left: 19px; }
  .timeline__step {
    width: 100%;
    margin-left: 0 !important;
    margin-right: 0 !important;
    padding: 24px 24px 24px 56px;
  }
  .timeline__step:nth-child(odd) .timeline__num,
  .timeline__step:nth-child(even) .timeline__num {
    left: -19px;
    right: auto;
    top: 24px;
  }
}

/* ---------- Tabbed feature section ---------- */

.tabs__nav {
  display: flex;
  gap: 8px;
  flex-wrap: wrap;
  margin-bottom: 40px;
  border-bottom: 1px solid var(--border-light);
}

.tabs__btn {
  background: none;
  border: none;
  padding: 14px 4px;
  margin-right: 32px;
  font-family: 'Inter', sans-serif;
  font-size: 1rem;
  font-weight: 600;
  color: var(--gray-500);
  cursor: pointer;
  position: relative;
  top: 1px;
  border-bottom: 2px solid transparent;
  transition: color var(--transition);
}

.tabs__btn:hover { color: var(--ink); }

.tabs__btn.is-active {
  color: var(--ink);
  border-bottom-color: var(--accent);
}

.tabs__grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 56px;
  align-items: center;
}

.tabs__panel { display: none; }
.tabs__panel.is-active { display: block; }

.tabs__panel h3 { font-size: 1.6rem; margin-bottom: 14px; }
.tabs__panel > p { color: var(--gray-500); margin-bottom: 24px; font-size: 1.02rem; }

.tabs__visual {
  background: var(--black);
  border-radius: 4px;
  clip-path: polygon(0 0, calc(100% - 22px) 0, 100% 22px, 100% 100%, 0 100%);
  padding: 32px;
  color: var(--white);
}

@media (max-width: 860px) {
  .tabs__grid { grid-template-columns: 1fr; gap: 32px; }
  .tabs__visual { order: -1; }
}

/* ---------- Industry tiles ---------- */

.industry-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
  margin-top: 28px;
}

.industry-tile {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 16px 18px;
  border: 1px solid var(--border-light);
  border-radius: 2px;
  clip-path: polygon(0 0, calc(100% - 10px) 0, 100% 10px, 100% 100%, 0 100%);
  background: var(--white);
  font-size: 0.9rem;
  font-weight: 500;
  color: var(--gray-700);
  transition: border-color var(--transition), transform var(--transition);
}

.industry-tile:hover {
  border-color: var(--accent);
  transform: translateY(-2px);
}

.industry-tile svg { flex-shrink: 0; color: var(--accent); }

@media (max-width: 900px) {
  .industry-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 560px) {
  .industry-grid { grid-template-columns: 1fr; }
}

/* ---------- Reviews carousel ---------- */

.reviews-carousel {
  display: flex;
  align-items: center;
  gap: 16px;
}

.reviews-carousel__track {
  display: flex;
  gap: 28px;
  overflow-x: hidden;
  scroll-behavior: smooth;
  flex: 1;
  min-width: 0;
}

.reviews-carousel__track .review-card {
  flex: 0 0 calc((100% - 56px) / 3);
  min-width: 0;
}

@media (max-width: 900px) {
  .reviews-carousel__track .review-card { flex-basis: calc((100% - 28px) / 2); }
}
@media (max-width: 620px) {
  .reviews-carousel__track .review-card { flex-basis: 100%; }
}

.reviews-carousel__arrow {
  flex-shrink: 0;
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: var(--black);
  color: var(--white);
  border: none;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: background var(--transition), opacity var(--transition);
}
.reviews-carousel__arrow:hover { background: var(--accent); }
.reviews-carousel__arrow:disabled { opacity: 0.3; cursor: default; background: var(--black); }

.review-card {
  background: var(--white);
  border: 1px solid var(--border-light);
  border-radius: var(--radius);
  clip-path: polygon(0 0, calc(100% - 18px) 0, 100% 18px, 100% 100%, 0 100%);
  padding: 32px;
}

.review-card__stars {
  display: flex;
  gap: 4px;
  color: var(--accent);
  margin-bottom: 18px;
}

.review-card__quote {
  font-style: italic;
  color: var(--gray-500);
  font-size: 0.98rem;
  line-height: 1.6;
  margin-bottom: 20px;
}

.review-card__attribution {
  font-size: 0.85rem;
  font-weight: 600;
  letter-spacing: 0.02em;
  color: var(--accent);
  text-transform: uppercase;
}

/* ---------- Quote modal ---------- */

.modal-overlay {
  position: fixed;
  inset: 0;
  background: rgba(10, 10, 10, 0.7);
  backdrop-filter: blur(4px);
  display: none;
  align-items: center;
  justify-content: center;
  z-index: 300;
  padding: 24px;
}

.modal-overlay.is-open { display: flex; }

.modal {
  background: var(--white);
  border-radius: 4px;
  clip-path: polygon(0 0, calc(100% - 26px) 0, 100% 26px, 100% 100%, 0 100%);
  padding: 40px;
  max-width: 440px;
  width: 100%;
  max-height: 90vh;
  overflow-y: auto;
  position: relative;
}

.modal__close {
  position: absolute;
  top: 16px;
  right: 16px;
  width: 32px;
  height: 32px;
  border-radius: 50%;
  border: none;
  background: var(--gray-100);
  font-size: 1.1rem;
  line-height: 1;
  cursor: pointer;
  color: var(--gray-700);
}

.modal__close:hover { background: var(--gray-300); }

.modal h3 { margin-bottom: 8px; padding-right: 32px; }
.modal > p { color: var(--gray-500); font-size: 0.92rem; margin-bottom: 24px; }

/* ---------- Statement audit upload ---------- */

.audit-grid {
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  gap: 56px;
  align-items: start;
}

@media (max-width: 900px) {
  .audit-grid { grid-template-columns: 1fr; }
}

.audit-features { margin-top: 28px; }

.audit-features li {
  display: flex;
  gap: 12px;
  padding: 14px 0;
  border-bottom: 1px solid var(--border-light);
  font-size: 0.95rem;
  color: var(--gray-700);
}
.audit-features li:last-child { border-bottom: none; }

.audit-features .card__icon {
  width: 34px;
  height: 34px;
  margin-bottom: 0;
  flex-shrink: 0;
}

.dropzone {
  background: var(--white);
  border: 2px dashed var(--border-light);
  border-radius: 4px;
  clip-path: polygon(0 0, calc(100% - 24px) 0, 100% 24px, 100% 100%, 0 100%);
  padding: 48px 32px;
  text-align: center;
  transition: border-color var(--transition), background var(--transition);
}

.dropzone.is-dragover {
  border-color: var(--accent);
  background: var(--ivory);
}

.dropzone__icon {
  width: 52px;
  height: 52px;
  border-radius: 50%;
  background: var(--black);
  color: var(--white);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 20px;
}

.dropzone__title { font-weight: 600; font-size: 1.05rem; margin-bottom: 6px; }
.dropzone__hint { color: var(--gray-500); font-size: 0.85rem; margin-bottom: 20px; }

.dropzone__filelist {
  text-align: left;
  margin: 20px 0;
}

.dropzone__file {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 10px 14px;
  background: var(--ivory);
  border-radius: 2px;
  font-size: 0.85rem;
  margin-bottom: 8px;
}

.dropzone__file button {
  background: none;
  border: none;
  color: var(--gray-500);
  cursor: pointer;
  font-size: 1rem;
  line-height: 1;
}
.dropzone__file button:hover { color: var(--ink); }

.audit-panel {
  background: var(--white);
  border: 1px solid var(--border-light);
  border-radius: 4px;
  clip-path: polygon(0 0, calc(100% - 24px) 0, 100% 24px, 100% 100%, 0 100%);
  padding: 36px;
}

.audit-panel__title { margin-bottom: 6px; }
.audit-panel__lead {
  color: var(--gray-500);
  font-size: 0.92rem;
  margin-bottom: 24px;
}
.audit-panel__lead a { color: var(--accent); font-weight: 600; }

.audit-confidential {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-top: 20px;
  font-size: 0.82rem;
  color: var(--gray-500);
  text-align: center;
  justify-content: center;
}

/* ---------- Chat assistant (scripted, not a live human) ---------- */

.chatbot {
  position: fixed;
  right: 24px;
  bottom: 24px;
  z-index: 400;
}

.chatbot__toggle {
  position: relative;
  width: 60px;
  height: 60px;
  border-radius: 50%;
  background: var(--black);
  color: var(--white);
  border: 1px solid var(--border-dark);
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  box-shadow: 0 8px 24px rgba(0,0,0,0.25);
  transition: box-shadow var(--transition), transform var(--transition);
}
.chatbot__toggle::before {
  content: "";
  position: absolute;
  inset: -3px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--accent), var(--accent-2));
  z-index: -1;
}
.chatbot__toggle:hover {
  box-shadow: 0 8px 28px rgba(59,110,246,0.45);
  transform: translateY(-2px);
}

.chatbot__teaser {
  position: absolute;
  right: 0;
  bottom: 76px;
  width: 240px;
  background: var(--black);
  color: var(--white);
  padding: 16px 30px 16px 18px;
  border-radius: 14px;
  border-bottom-right-radius: 4px;
  font-size: 0.85rem;
  line-height: 1.5;
  box-shadow: 0 16px 36px rgba(0,0,0,0.3);
  display: none;
}
.chatbot__teaser.is-visible { display: block; }
.chatbot__teaser::after {
  content: "";
  position: absolute;
  bottom: -8px;
  right: 24px;
  width: 0;
  height: 0;
  border-left: 8px solid transparent;
  border-right: 8px solid transparent;
  border-top: 8px solid var(--black);
}
.chatbot__teaser-close {
  position: absolute;
  top: 10px;
  right: 10px;
  background: none;
  border: none;
  color: var(--gray-300);
  cursor: pointer;
  font-size: 1rem;
  line-height: 1;
  padding: 2px;
}
.chatbot__teaser-close:hover { color: var(--white); }
.chatbot__teaser-body { cursor: pointer; }
.chatbot__toggle svg { transition: opacity var(--transition); }
.chatbot__toggle .chatbot__icon-close { display: none; }
.chatbot.is-open .chatbot__icon-open { display: none; }
.chatbot.is-open .chatbot__icon-close { display: block; }

.chatbot__panel {
  position: absolute;
  right: 0;
  bottom: 76px;
  width: 340px;
  max-width: calc(100vw - 48px);
  height: 480px;
  max-height: 70vh;
  background: var(--white);
  border-radius: 4px;
  clip-path: polygon(0 0, calc(100% - 20px) 0, 100% 20px, 100% 100%, 0 100%);
  box-shadow: 0 24px 60px rgba(0,0,0,0.3);
  display: none;
  flex-direction: column;
  overflow: hidden;
  border: 1px solid var(--border-light);
}

.chatbot.is-open .chatbot__panel { display: flex; }

.chatbot__header {
  background: var(--black);
  color: var(--white);
  padding: 16px 18px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-shrink: 0;
}

.chatbot__header-info { display: flex; align-items: center; gap: 12px; }

.chatbot__avatar {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--accent), var(--accent-2));
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: 'Space Grotesk', sans-serif;
  font-weight: 700;
  font-size: 0.95rem;
  flex-shrink: 0;
}

.chatbot__header-info strong { display: block; font-size: 0.92rem; }
.chatbot__header-info span { font-size: 0.75rem; color: var(--gray-300); }

.chatbot__close {
  background: none;
  border: none;
  color: var(--gray-300);
  font-size: 1.2rem;
  cursor: pointer;
  line-height: 1;
  padding: 4px;
}
.chatbot__close:hover { color: var(--white); }

.chatbot__messages {
  flex: 1;
  overflow-y: auto;
  padding: 16px;
  display: flex;
  flex-direction: column;
  gap: 10px;
  background: var(--ivory);
}

.chatbot__msg {
  max-width: 84%;
  padding: 10px 14px;
  border-radius: 12px;
  font-size: 0.88rem;
  line-height: 1.45;
}

.chatbot__msg--bot {
  background: var(--white);
  border: 1px solid var(--border-light);
  align-self: flex-start;
  border-bottom-left-radius: 2px;
}

.chatbot__msg--user {
  background: var(--black);
  color: var(--white);
  align-self: flex-end;
  border-bottom-right-radius: 2px;
}

.chatbot__quick-replies {
  display: flex;
  flex-wrap: wrap;
  gap: 6px;
  padding: 0 16px 12px;
  background: var(--ivory);
  flex-shrink: 0;
}

.chatbot__quick-btn {
  background: var(--white);
  border: 1px solid var(--border-light);
  border-radius: 999px;
  padding: 6px 12px;
  font-size: 0.78rem;
  font-weight: 500;
  cursor: pointer;
  color: var(--gray-700);
  transition: border-color var(--transition), color var(--transition);
}
.chatbot__quick-btn:hover { border-color: var(--accent); color: var(--accent); }

.chatbot__input-row {
  display: flex;
  border-top: 1px solid var(--border-light);
  flex-shrink: 0;
}

.chatbot__input-row input {
  flex: 1;
  border: none;
  padding: 14px 16px;
  font-family: inherit;
  font-size: 0.88rem;
  background: var(--white);
}
.chatbot__input-row input:focus { outline: none; }

.chatbot__input-row button {
  background: var(--black);
  color: var(--white);
  border: none;
  width: 52px;
  cursor: pointer;
  font-size: 1.1rem;
  transition: background var(--transition);
}
.chatbot__input-row button:hover { background: var(--accent); }

@media (max-width: 500px) {
  .chatbot { right: 16px; bottom: 16px; }
  .chatbot__panel { width: calc(100vw - 32px); height: 65vh; bottom: 72px; }
}

/* ---------- Footer ---------- */

.site-footer {
  background: var(--black);
  color: var(--gray-300);
  padding: 64px 0 32px;
}

.footer__top {
  display: grid;
  grid-template-columns: 1.4fr 0.8fr 0.8fr 1fr;
  gap: 40px;
  padding-bottom: 48px;
  border-bottom: 1px solid var(--border-dark);
}

.footer__top p {
  margin-top: 18px;
  font-size: 0.9rem;
  max-width: 300px;
  color: var(--gray-500);
}

.footer__col h4 {
  font-size: 0.8rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--gray-500);
  margin-bottom: 18px;
  font-weight: 600;
}

.footer__col ul li { margin-bottom: 12px; }
.footer__col a { font-size: 0.92rem; color: var(--gray-300); }
.footer__col a:hover { color: var(--white); }

.footer__bottom {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding-top: 28px;
  font-size: 0.82rem;
  color: var(--gray-500);
  flex-wrap: wrap;
  gap: 12px;
}

@media (max-width: 860px) {
  .footer__top { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 560px) {
  .footer__top { grid-template-columns: 1fr; }
}