/* ============================================================
   African Own Now — Mauritius Account Opening
   ============================================================ */

:root {
  --navy: #0b2a3b;
  --navy-deep: #071c28;
  --teal: #146b6b;
  --teal-light: #1d8a8a;
  --gold: #c8a24a;
  --gold-light: #e0c37e;
  --cream: #f7f3ec;
  --sand: #efe9de;
  --ink: #14232b;
  --ink-soft: #4a5a62;
  --line: #e2ddd2;
  --white: #ffffff;
  --radius: 16px;
  --radius-sm: 10px;
  --shadow-sm: 0 1px 3px rgba(11, 42, 59, .08), 0 1px 2px rgba(11, 42, 59, .06);
  --shadow-md: 0 10px 30px rgba(11, 42, 59, .10);
  --shadow-lg: 0 24px 60px rgba(11, 42, 59, .16);
  --maxw: 1140px;
  --font-head: "Fraunces", Georgia, serif;
  --font-body: "Inter", system-ui, -apple-system, sans-serif;
}

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

html { scroll-behavior: smooth; scroll-padding-top: 84px; }

body {
  font-family: var(--font-body);
  color: var(--ink);
  background: var(--cream);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}

.container { width: 100%; max-width: var(--maxw); margin: 0 auto; padding: 0 24px; }

h1, h2, h3 { font-family: var(--font-head); font-weight: 500; line-height: 1.12; letter-spacing: -.01em; color: var(--navy); }

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

.eyebrow {
  font-size: .78rem; font-weight: 600; letter-spacing: .14em; text-transform: uppercase;
  color: var(--teal); margin-bottom: 14px;
}

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  font-family: var(--font-body); font-weight: 600; font-size: 1rem;
  padding: 14px 26px; border-radius: 999px; border: 1.5px solid transparent;
  cursor: pointer; transition: transform .18s ease, box-shadow .18s ease, background .18s ease, color .18s ease;
  white-space: nowrap;
}
.btn-sm { padding: 10px 20px; font-size: .92rem; }
.btn-block { width: 100%; }
.btn-primary { background: var(--gold); color: var(--navy-deep); box-shadow: 0 6px 18px rgba(200, 162, 74, .35); }
.btn-primary:hover { transform: translateY(-2px); box-shadow: 0 10px 24px rgba(200, 162, 74, .45); }
.btn-ghost { background: transparent; color: var(--white); border-color: rgba(255,255,255,.4); }
.btn-ghost:hover { background: rgba(255,255,255,.10); border-color: rgba(255,255,255,.7); }

/* ---------- Header ---------- */
.site-header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(247, 243, 236, .85); backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--line);
}
.header-inner { display: flex; align-items: center; gap: 24px; height: 72px; }
.brand { display: flex; align-items: center; gap: 12px; font-weight: 700; }
.brand-mark {
  display: inline-grid; place-items: center; width: 40px; height: 40px; border-radius: 10px;
  background: linear-gradient(135deg, var(--navy), var(--teal));
  color: var(--gold-light); font-family: var(--font-head); font-weight: 600; font-size: .95rem;
  letter-spacing: .02em;
}
.brand-text { color: var(--navy); font-size: 1.02rem; letter-spacing: -.01em; }
.main-nav { display: flex; gap: 26px; margin-left: auto; }
.main-nav a { font-size: .94rem; font-weight: 500; color: var(--ink-soft); transition: color .15s; }
.main-nav a:hover { color: var(--teal); }
.nav-cta { margin-left: 8px; }
.nav-toggle { display: none; background: none; border: 0; flex-direction: column; gap: 5px; cursor: pointer; padding: 8px; }
.nav-toggle span { width: 24px; height: 2px; background: var(--navy); border-radius: 2px; transition: .25s; }

/* ---------- Hero ---------- */
.hero { position: relative; overflow: hidden; color: var(--white); }
.hero-bg {
  position: absolute; inset: 0; z-index: 0;
  background:
    radial-gradient(1000px 500px at 80% -10%, rgba(29,138,138,.55), transparent 60%),
    radial-gradient(700px 500px at 0% 110%, rgba(200,162,74,.25), transparent 55%),
    linear-gradient(160deg, var(--navy-deep) 0%, var(--navy) 55%, var(--teal) 130%);
}
.hero-bg::after {
  content: ""; position: absolute; inset: 0;
  background-image: radial-gradient(rgba(255,255,255,.05) 1px, transparent 1px);
  background-size: 22px 22px; opacity: .5;
}
.hero-inner { position: relative; z-index: 1; padding: 92px 24px 96px; max-width: 900px; margin: 0 auto; }
.hero .eyebrow { color: var(--gold-light); }
.hero h1 { color: var(--white); font-size: clamp(2.2rem, 5.2vw, 3.7rem); margin-bottom: 22px; }
.hero-sub { font-size: clamp(1.05rem, 2vw, 1.28rem); color: rgba(255,255,255,.82); max-width: 680px; margin-bottom: 34px; }
.hero-sub strong { color: var(--white); }
.hero-actions { display: flex; flex-wrap: wrap; gap: 14px; margin-bottom: 40px; }
.hero-badges { list-style: none; display: flex; flex-wrap: wrap; gap: 12px 28px; }
.hero-badges li { display: flex; align-items: center; gap: 9px; font-size: .96rem; color: rgba(255,255,255,.85); }
.hero-badges strong { color: var(--gold-light); }
.tick { display: inline-grid; place-items: center; width: 20px; height: 20px; border-radius: 50%; background: rgba(200,162,74,.22); color: var(--gold-light); font-size: .7rem; }

/* ---------- Trust strip ---------- */
.trust-strip { background: var(--navy-deep); color: var(--white); }
.trust-inner { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; padding: 26px 24px; }
.trust-item { display: flex; align-items: center; gap: 14px; font-size: .95rem; color: rgba(255,255,255,.72); }
.trust-item .stat { font-family: var(--font-head); font-size: 2rem; color: var(--gold-light); line-height: 1; }

/* ---------- Sections ---------- */
.section { padding: 88px 0; }
.section-alt { background: var(--white); }
.section-head { max-width: 720px; margin-bottom: 48px; }
.section-head h2 { font-size: clamp(1.8rem, 3.6vw, 2.6rem); margin-bottom: 16px; }
.section-lead { font-size: 1.08rem; color: var(--ink-soft); }

/* ---------- Cards ---------- */
.cards { display: grid; grid-template-columns: repeat(4, 1fr); gap: 22px; }
.card {
  background: var(--white); border: 1px solid var(--line); border-radius: var(--radius);
  padding: 30px 26px; box-shadow: var(--shadow-sm); transition: transform .2s ease, box-shadow .2s ease;
}
.section-alt .card { background: var(--cream); }
.card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); }
.card-icon { font-size: 1.8rem; margin-bottom: 16px; }
.card h3 { font-size: 1.2rem; margin-bottom: 10px; }
.card p { color: var(--ink-soft); font-size: .96rem; }

/* ---------- Accounts ---------- */
.account-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 28px; }
.account-col {
  background: var(--white); border: 1px solid var(--line); border-radius: var(--radius);
  padding: 32px; box-shadow: var(--shadow-sm);
}
.section-alt .account-col { background: var(--cream); }
.account-group {
  font-size: .82rem; font-weight: 700; letter-spacing: .1em; text-transform: uppercase;
  color: var(--teal); font-family: var(--font-body); margin-bottom: 20px; padding-bottom: 14px;
  border-bottom: 1px solid var(--line);
}
.account-list { list-style: none; display: flex; flex-direction: column; gap: 18px; }
.account-list li { display: flex; flex-direction: column; gap: 3px; padding-left: 22px; position: relative; }
.account-list li::before {
  content: ""; position: absolute; left: 0; top: 8px; width: 8px; height: 8px;
  border-radius: 50%; background: var(--gold);
}
.account-list strong { color: var(--navy); font-size: 1.02rem; }
.account-list span { color: var(--ink-soft); font-size: .92rem; }

/* ---------- Steps ---------- */
.steps { list-style: none; display: grid; grid-template-columns: repeat(4, 1fr); gap: 22px; counter-reset: step; }
.step {
  position: relative; background: var(--white); border: 1px solid var(--line);
  border-radius: var(--radius); padding: 30px 26px; box-shadow: var(--shadow-sm);
}
.step-num {
  display: grid; place-items: center; width: 46px; height: 46px; border-radius: 12px;
  background: linear-gradient(135deg, var(--navy), var(--teal)); color: var(--gold-light);
  font-family: var(--font-head); font-size: 1.3rem; margin-bottom: 18px;
}
.step h3 { font-size: 1.15rem; margin-bottom: 8px; }
.step p { color: var(--ink-soft); font-size: .95rem; }

/* ---------- Documents ---------- */
.doc-checklist { list-style: none; display: grid; grid-template-columns: 1fr 1fr; gap: 16px; max-width: 900px; }
.doc-checklist li {
  display: flex; align-items: flex-start; gap: 16px; background: var(--white);
  border: 1px solid var(--line); border-left: 4px solid var(--teal); border-radius: var(--radius-sm);
  padding: 20px 22px; box-shadow: var(--shadow-sm);
}
.section-alt .doc-checklist li { background: var(--cream); }
.doc-check {
  flex: none; display: grid; place-items: center; width: 26px; height: 26px; border-radius: 50%;
  background: var(--teal); color: var(--white); font-size: .8rem; font-weight: 700; margin-top: 2px;
}
.doc-checklist strong { display: block; color: var(--navy); font-size: 1.02rem; }
.doc-checklist span { color: var(--ink-soft); font-size: .92rem; }

/* ---------- Fees ---------- */
.fees-layout { display: grid; grid-template-columns: .85fr 1.15fr; gap: 28px; align-items: start; }
.fee-highlight {
  background: linear-gradient(160deg, var(--navy) 0%, var(--teal) 130%); color: var(--white);
  border-radius: var(--radius); padding: 38px 34px; box-shadow: var(--shadow-lg);
}
.fee-label { font-size: .82rem; letter-spacing: .12em; text-transform: uppercase; color: var(--gold-light); margin-bottom: 8px; }
.fee-amount { font-family: var(--font-head); font-size: 3.2rem; color: var(--white); line-height: 1; margin-bottom: 16px; }
.fee-desc { color: rgba(255,255,255,.82); font-size: .98rem; margin-bottom: 26px; }
.fee-table-wrap {
  background: var(--white); border: 1px solid var(--line); border-radius: var(--radius);
  padding: 30px 32px; box-shadow: var(--shadow-sm);
}
.section-alt .fee-table-wrap { background: var(--cream); }
.fee-table-title { font-weight: 600; color: var(--navy); margin-bottom: 16px; }
.fee-table-title span { font-weight: 400; color: var(--ink-soft); font-size: .88rem; }
.fee-table { width: 100%; border-collapse: collapse; }
.fee-table td { padding: 13px 0; border-bottom: 1px solid var(--line); font-size: .96rem; vertical-align: top; }
.fee-table td:first-child { color: var(--ink-soft); padding-right: 16px; }
.fee-table td:last-child { text-align: right; font-weight: 600; color: var(--navy); white-space: nowrap; }
.fee-table tr:last-child td { border-bottom: 0; }

/* ---------- Downloads ---------- */
.download-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.download-card {
  display: block; background: var(--white); border: 1px solid var(--line); border-radius: var(--radius);
  padding: 30px; box-shadow: var(--shadow-sm); transition: transform .2s ease, box-shadow .2s ease, border-color .2s;
}
.section-alt .download-card { background: var(--cream); }
.download-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); border-color: var(--gold); }
.dl-icon { font-size: 2rem; margin-bottom: 14px; }
.download-card h3 { font-size: 1.18rem; margin-bottom: 8px; }
.download-card p { color: var(--ink-soft); font-size: .94rem; margin-bottom: 18px; }
.dl-link { font-weight: 600; color: var(--teal); font-size: .95rem; }

/* ---------- Start / Form ---------- */
.start-section { background: linear-gradient(160deg, var(--navy-deep), var(--navy)); }
.start-inner { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: center; }
.start-copy .eyebrow { color: var(--gold-light); }
.start-copy h2 { color: var(--white); font-size: clamp(1.8rem, 3.4vw, 2.5rem); margin-bottom: 16px; }
.start-copy > p { color: rgba(255,255,255,.8); font-size: 1.05rem; margin-bottom: 26px; }
.start-list { list-style: none; display: flex; flex-direction: column; gap: 12px; }
.start-list li { display: flex; align-items: center; gap: 11px; color: rgba(255,255,255,.85); }

.start-form {
  background: var(--white); border-radius: var(--radius); padding: 34px; box-shadow: var(--shadow-lg);
}
.field { margin-bottom: 18px; display: flex; flex-direction: column; gap: 7px; }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.field label { font-size: .88rem; font-weight: 600; color: var(--navy); }
.optional { font-weight: 400; color: var(--ink-soft); }
.field input, .field select, .field textarea {
  font-family: var(--font-body); font-size: 1rem; color: var(--ink);
  padding: 12px 14px; border: 1.5px solid var(--line); border-radius: var(--radius-sm);
  background: var(--cream); transition: border-color .15s, box-shadow .15s; width: 100%;
}
.field input:focus, .field select:focus, .field textarea:focus {
  outline: none; border-color: var(--teal); box-shadow: 0 0 0 3px rgba(20,107,107,.14); background: var(--white);
}
.field textarea { resize: vertical; }
.consent { display: flex; align-items: flex-start; gap: 10px; font-size: .9rem; color: var(--ink-soft); margin: 4px 0 20px; cursor: pointer; }
.consent input { margin-top: 3px; accent-color: var(--teal); width: 16px; height: 16px; flex: none; }
.form-note { margin-top: 14px; font-size: .92rem; font-weight: 500; text-align: center; }
.form-note.error { color: #b3402f; }
.form-note.success { color: var(--teal); }
.field.invalid input, .field.invalid select { border-color: #d06a58; background: #fbeeea; }

/* ---------- Fineprint ---------- */
.fineprint { margin-top: 22px; font-size: .85rem; color: var(--ink-soft); font-style: italic; max-width: 760px; }

/* ---------- Footer ---------- */
.site-footer { background: var(--navy-deep); color: rgba(255,255,255,.7); padding: 56px 0 30px; }
.footer-inner { display: flex; justify-content: space-between; gap: 40px; flex-wrap: wrap; padding-bottom: 34px; border-bottom: 1px solid rgba(255,255,255,.12); }
.footer-brand { max-width: 340px; }
.footer-brand .brand-text { color: var(--white); margin-left: 12px; font-weight: 700; }
.footer-brand p { margin-top: 14px; font-size: .92rem; }
.footer-links { display: flex; flex-wrap: wrap; gap: 12px 26px; align-content: flex-start; }
.footer-links a { font-size: .92rem; transition: color .15s; }
.footer-links a:hover { color: var(--gold-light); }
.footer-bottom { padding-top: 24px; display: flex; flex-direction: column; gap: 12px; }
.footer-bottom p { font-size: .82rem; }
.disclaimer { color: rgba(255,255,255,.45); max-width: 900px; line-height: 1.5; }

/* ---------- Responsive ---------- */
@media (max-width: 940px) {
  .cards { grid-template-columns: repeat(2, 1fr); }
  .steps { grid-template-columns: repeat(2, 1fr); }
  .download-grid { grid-template-columns: 1fr; }
  .fees-layout { grid-template-columns: 1fr; }
  .start-inner { grid-template-columns: 1fr; gap: 36px; }
  .trust-inner { grid-template-columns: 1fr; gap: 14px; }
}
@media (max-width: 720px) {
  .main-nav, .nav-cta { display: none; }
  .main-nav.open {
    display: flex; position: absolute; top: 72px; left: 0; right: 0; flex-direction: column;
    background: var(--cream); padding: 18px 24px; gap: 16px; border-bottom: 1px solid var(--line); box-shadow: var(--shadow-md);
  }
  .nav-toggle { display: flex; margin-left: auto; }
  .cards, .account-grid, .doc-checklist, .steps { grid-template-columns: 1fr; }
  .field-row { grid-template-columns: 1fr; gap: 0; }
  .section { padding: 64px 0; }
  .hero-inner { padding: 68px 24px 72px; }
}