/* ===========================================================
   Pay Intermediate LLC — Design System
   Navy + refined gold. Elegant, professional, responsive.
   =========================================================== */
:root{
  --navy:#0B3F59;      /* deep brand blue  */
  --navy-2:#1577A8;    /* brand blue (logo)*/
  --ink:#0A2E42;       /* headings         */
  --slate:#41535F;     /* body text        */
  --muted:#6A7C88;     /* secondary text   */
  --gold:#F5B700;      /* brand yellow(logo)*/
  --gold-2:#D29B00;
  --bg:#FFFFFF;
  --bg-soft:#F1F7FB;
  --bg-tint:#E6F1F8;
  --line:#DBE7F0;
  --white:#FFFFFF;
  --radius:14px;
  --radius-sm:10px;
  --container:1160px;
  --shadow-sm:0 1px 2px rgba(10,37,64,.06), 0 4px 16px rgba(10,37,64,.05);
  --shadow-md:0 10px 30px rgba(10,37,64,.10);
  --font-serif:'Fraunces', Georgia, 'Times New Roman', serif;
  --font-sans:'Inter', system-ui, -apple-system, 'Segoe UI', Roboto, Helvetica, Arial, sans-serif;
  --t:.25s cubic-bezier(.4,0,.2,1);
}

*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{
  margin:0;font-family:var(--font-sans);color:var(--slate);
  background:var(--bg);line-height:1.65;font-size:17px;
  -webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility;
}
img,svg{max-width:100%;display:block}
a{color:var(--navy);text-decoration:none;transition:color var(--t)}
a:hover{color:var(--navy-2)}
h1,h2,h3,h4{color:var(--ink);line-height:1.15;margin:0 0 .5em;font-weight:600}
h1{font-family:var(--font-serif);font-weight:500;letter-spacing:-.02em}
h2{font-family:var(--font-serif);font-weight:500;letter-spacing:-.015em;font-size:clamp(1.9rem,3.4vw,2.7rem)}
h3{font-size:1.25rem;letter-spacing:-.01em}
p{margin:0 0 1rem}
.container{width:100%;max-width:var(--container);margin:0 auto;padding:0 24px}
.eyebrow{display:inline-block;font-size:.78rem;font-weight:700;letter-spacing:.16em;
  text-transform:uppercase;color:var(--navy-2);margin-bottom:1rem}
.lead{font-size:1.18rem;color:var(--slate)}
.muted{color:var(--muted)}
.center{text-align:center}
.section{padding:92px 0}
.section--soft{background:var(--bg-soft)}
.section--tint{background:linear-gradient(180deg,#fff, var(--bg-tint))}
.hr{height:1px;background:var(--line);border:0;margin:0}

/* ---------- Buttons ---------- */
.btn{display:inline-flex;align-items:center;gap:.55rem;font-weight:600;font-size:.98rem;
  padding:.85rem 1.5rem;border-radius:999px;cursor:pointer;border:1px solid transparent;
  transition:all var(--t);line-height:1;white-space:nowrap}
.btn--primary{background:var(--navy);color:#fff}
.btn--primary:hover{background:var(--navy-2);color:#fff;transform:translateY(-2px);box-shadow:var(--shadow-md)}
.btn--gold{background:var(--gold);color:var(--ink)}
.btn--gold:hover{background:var(--gold-2);color:#fff;transform:translateY(-2px);box-shadow:var(--shadow-md)}
.btn--ghost{background:transparent;color:var(--navy);border-color:var(--line)}
.btn--ghost:hover{border-color:var(--navy);color:var(--navy)}
.btn--light{background:rgba(255,255,255,.1);color:#fff;border-color:rgba(255,255,255,.28)}
.btn--light:hover{background:rgba(255,255,255,.18);color:#fff}
.btn svg{width:18px;height:18px}

/* ---------- Header ---------- */
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.82);
  backdrop-filter:saturate(180%) blur(14px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;height:74px}
.brand{display:flex;align-items:center;gap:.7rem}
.brand .logo{height:34px;width:auto}
.nav-links{display:flex;align-items:center;gap:2rem;list-style:none;margin:0;padding:0}
.nav-links a{color:var(--navy);font-weight:500;font-size:.97rem;position:relative}
.nav-links a::after{content:"";position:absolute;left:0;bottom:-6px;width:0;height:2px;
  background:var(--gold);transition:width var(--t)}
.nav-links a:hover::after,.nav-links a.active::after{width:100%}
.nav-cta{display:flex;align-items:center;gap:.8rem}
.nav-toggle{display:none;background:none;border:0;cursor:pointer;padding:8px}
.nav-toggle span{display:block;width:24px;height:2px;background:var(--navy);margin:5px 0;
  transition:all var(--t)}

/* ---------- Brand logo ---------- */
.brand .logo{height:48px;width:auto;display:block}
@media(max-width:720px){.brand .logo{height:40px}}
.foot-logo{background:#fff;border-radius:12px;padding:12px 18px;display:inline-block;margin-bottom:18px;box-shadow:var(--shadow-sm)}
.foot-logo img{height:44px;width:auto;display:block}

/* ---------- Language switcher ---------- */
.lang-switch{display:inline-flex;border:1px solid var(--line);border-radius:999px;overflow:hidden;background:#fff}
.lang-switch button{border:0;background:transparent;cursor:pointer;font:700 .8rem/1 var(--font-sans);
  color:var(--muted);padding:.5rem .72rem;transition:all var(--t);letter-spacing:.02em}
.lang-switch button.active{background:var(--navy);color:#fff}
.lang-switch button:not(.active):hover{color:var(--navy)}

/* ---------- Hero ---------- */
.hero{position:relative;overflow:hidden;background:
  radial-gradient(1100px 500px at 85% -10%, rgba(201,162,75,.10), transparent 60%),
  radial-gradient(900px 600px at 0% 0%, rgba(14,49,85,.06), transparent 55%),
  linear-gradient(180deg,#fff,#fbfdff)}
.hero__inner{padding:104px 0 96px;max-width:860px}
.hero h1{font-size:clamp(2.5rem,5.6vw,4.25rem);color:var(--ink);margin-bottom:1.1rem}
.hero h1 em{font-style:italic;color:var(--navy)}
.hero .lead{max-width:620px;font-size:1.26rem;margin-bottom:2rem}
.hero__cta{display:flex;flex-wrap:wrap;gap:1rem;margin-bottom:2.4rem}
.hero__meta{display:flex;flex-wrap:wrap;gap:2rem;color:var(--muted);font-size:.92rem}
.hero__meta b{color:var(--navy)}

/* ---------- Grid / Cards ---------- */
.grid{display:grid;gap:26px}
.grid-3{grid-template-columns:repeat(3,1fr)}
.grid-2{grid-template-columns:repeat(2,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);
  padding:34px 30px;box-shadow:var(--shadow-sm);transition:transform var(--t),box-shadow var(--t),border-color var(--t)}
.card:hover{transform:translateY(-4px);box-shadow:var(--shadow-md);border-color:#d4deea}
.card .ico{width:50px;height:50px;border-radius:12px;display:grid;place-items:center;
  background:linear-gradient(135deg,var(--navy),var(--navy-2));color:var(--gold);margin-bottom:18px}
.card .ico svg{width:24px;height:24px}
.card h3{margin-bottom:.5rem;color:var(--ink)}
.card p{margin:0;font-size:.97rem}
.card--link{display:flex;flex-direction:column}
.card__more{margin-top:16px;font-weight:600;color:var(--navy);font-size:.92rem;display:inline-flex;gap:.4rem;align-items:center}
.card:hover .card__more{color:var(--gold-2)}

/* ---------- Section head ---------- */
.sec-head{max-width:680px;margin:0 auto 54px}
.sec-head.center{text-align:center}
.sec-head p{margin:0;color:var(--muted);font-size:1.08rem}

/* ---------- Stats band ---------- */
.band{background:linear-gradient(135deg,var(--navy),#071a30);color:#fff;position:relative;overflow:hidden}
.band::after{content:"";position:absolute;inset:0;background:
  radial-gradient(600px 300px at 90% 120%, rgba(201,162,75,.18), transparent 60%)}
.band .container{position:relative}
.band h2{color:#fff}
.band p{color:rgba(255,255,255,.72)}
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:28px;text-align:center}
.stat .n{font-family:var(--font-serif);font-size:2.7rem;color:#fff;line-height:1}
.stat .l{color:rgba(255,255,255,.65);font-size:.9rem;margin-top:.5rem;letter-spacing:.02em}

/* ---------- Split / feature ---------- */
.split{display:grid;grid-template-columns:1.05fr .95fr;gap:60px;align-items:center}
.checklist{list-style:none;margin:1.4rem 0 0;padding:0}
.checklist li{display:flex;gap:.8rem;align-items:flex-start;margin-bottom:1rem;color:var(--slate)}
.checklist svg{flex:0 0 auto;width:22px;height:22px;color:var(--gold-2);margin-top:2px}
.panel{background:linear-gradient(160deg,#fff,#f2f6fb);border:1px solid var(--line);
  border-radius:20px;padding:40px;box-shadow:var(--shadow-sm)}
.panel .quote{font-family:var(--font-serif);font-size:1.5rem;color:var(--ink);line-height:1.4;font-weight:500}
.panel .by{margin-top:18px;color:var(--muted);font-size:.92rem}

/* ---------- CTA band ---------- */
.cta{background:linear-gradient(135deg,var(--navy),#08203a);color:#fff;border-radius:24px;
  padding:64px 48px;text-align:center;position:relative;overflow:hidden}
.cta::before{content:"";position:absolute;inset:0;background:
  radial-gradient(500px 260px at 15% -20%, rgba(201,162,75,.20), transparent 60%)}
.cta *{position:relative}
.cta h2{color:#fff;margin-bottom:.6rem}
.cta p{color:rgba(255,255,255,.75);max-width:540px;margin:0 auto 1.8rem}

/* ---------- Footer ---------- */
.site-footer{background:#071a30;color:rgba(255,255,255,.7);padding:70px 0 30px;font-size:.94rem}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:40px;margin-bottom:46px}
.foot-brand .logo{height:32px;margin-bottom:16px}
.foot-brand p{color:rgba(255,255,255,.6);max-width:300px}
.site-footer h4{color:#fff;font-size:.82rem;letter-spacing:.14em;text-transform:uppercase;margin-bottom:16px}
.foot-links{list-style:none;margin:0;padding:0}
.foot-links li{margin-bottom:10px}
.foot-links a{color:rgba(255,255,255,.7)}
.foot-links a:hover{color:var(--gold)}
.foot-bottom{border-top:1px solid rgba(255,255,255,.12);padding-top:24px;
  display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;font-size:.86rem;color:rgba(255,255,255,.5)}

/* ---------- Page hero (inner pages) ---------- */
.page-hero{background:linear-gradient(180deg,#fff,#f4f8fc);border-bottom:1px solid var(--line);
  padding:76px 0 64px}
.page-hero h1{font-size:clamp(2.2rem,4.6vw,3.3rem);margin-bottom:.6rem}
.page-hero p{color:var(--muted);font-size:1.12rem;max-width:620px;margin:0}
.breadcrumb{font-size:.84rem;color:var(--muted);margin-bottom:1rem}
.breadcrumb a{color:var(--muted)}

/* ---------- Legal / prose ---------- */
.prose{max-width:800px;margin:0 auto}
.prose h2{font-size:1.5rem;margin:2.2rem 0 .8rem}
.prose h1{font-size:2.2rem}
.prose p,.prose li{color:var(--slate);font-size:1.02rem}
.prose ul,.prose ol{padding-left:1.2rem;margin:0 0 1.2rem}
.prose li{margin-bottom:.5rem}
.prose strong{color:var(--ink)}
.prose .meta{color:var(--muted);font-size:.95rem;border-left:3px solid var(--gold);padding-left:14px}

/* ---------- Contact ---------- */
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:54px;align-items:start}
.field{margin-bottom:18px}
.field label{display:block;font-size:.88rem;font-weight:600;color:var(--navy);margin-bottom:7px}
.field input,.field textarea{width:100%;padding:13px 15px;border:1px solid var(--line);
  border-radius:10px;font-family:inherit;font-size:1rem;color:var(--ink);background:#fff;transition:border var(--t),box-shadow var(--t)}
.field input:focus,.field textarea:focus{outline:0;border-color:var(--navy);box-shadow:0 0 0 3px rgba(10,37,64,.08)}
.field textarea{min-height:140px;resize:vertical}
.info-row{display:flex;gap:16px;align-items:flex-start;margin-bottom:24px}
.info-row .ico{flex:0 0 auto;width:44px;height:44px;border-radius:11px;display:grid;place-items:center;
  background:var(--bg-tint);color:var(--navy)}
.info-row .ico svg{width:20px;height:20px}
.info-row b{color:var(--ink);display:block;font-size:1rem}
.info-row span{color:var(--muted);font-size:.95rem}

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

/* ---------- Responsive ---------- */
@media(max-width:900px){
  .grid-3{grid-template-columns:1fr 1fr}
  .split{grid-template-columns:1fr;gap:40px}
  .contact-grid{grid-template-columns:1fr;gap:36px}
  .stats{grid-template-columns:1fr 1fr;gap:34px}
  .foot-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:720px){
  body{font-size:16px}
  .section{padding:64px 0}
  .nav-links,.nav-cta .btn{display:none}
  .nav-toggle{display:block}
  .nav-links.open{display:flex;position:absolute;top:74px;left:0;right:0;flex-direction:column;
    background:#fff;border-bottom:1px solid var(--line);padding:18px 24px;gap:1.1rem;box-shadow:var(--shadow-md)}
  .nav-links.open a{font-size:1.05rem}
  .grid-3,.grid-2{grid-template-columns:1fr}
  .hero__inner{padding:72px 0 64px}
  .cta{padding:48px 26px}
  .foot-grid{grid-template-columns:1fr 1fr;gap:28px}
}
@media(max-width:480px){
  .stats,.foot-grid{grid-template-columns:1fr}
  .hero__cta{flex-direction:column}
  .hero__cta .btn{width:100%;justify-content:center}
}