:root{--obs:#14161A;--obs2:#1C1F24;--gold:#C9A96A;--goldlt:#E6C98F;--golddk:#8C743D;--cream:#EEE2C8;--paper:#F7F2E7;--rule:rgba(201,169,106,.28)}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:Georgia,'Times New Roman',serif;background:var(--obs);color:var(--cream);line-height:1.6}
a{color:var(--gold);text-decoration:none}
img{max-width:100%}
h1,h2,h3{font-weight:normal;line-height:1.15}
h1{font-size:44px}h2{font-size:32px}h3{font-size:22px}
.gold{color:var(--gold)}em.gold{font-style:italic;color:var(--gold)}
.eyebrow{display:block;font-size:11px;letter-spacing:.38em;color:var(--gold);text-transform:uppercase;margin-bottom:16px}
/* NAV */
.nav{position:sticky;top:0;z-index:50;background:rgba(20,22,26,.96);border-bottom:1px solid var(--rule);backdrop-filter:blur(8px)}
.nav-inner{max-width:1300px;margin:0 auto;padding:12px 22px;display:flex;align-items:center;gap:14px}
.brand{display:flex;align-items:center;gap:10px;flex:0 0 auto;white-space:nowrap}
.brand img{width:38px;height:38px;flex:0 0 auto}
.brand-word{font-size:12px;letter-spacing:.12em;white-space:nowrap;color:var(--gold);font-weight:bold;line-height:1.25}
.brand-word small{display:block;font-size:7.4px;letter-spacing:.22em;white-space:nowrap;color:var(--golddk);font-weight:normal}
.links{margin-left:auto;display:flex;gap:12px;flex-wrap:nowrap;align-items:center}
.links a{white-space:nowrap;font-size:10px;letter-spacing:.08em;text-transform:uppercase;color:var(--cream);opacity:.8;padding:6px 2px;border-bottom:2px solid transparent}
.links a:hover{opacity:1;color:var(--gold)}
.links a.active{color:var(--gold);border-bottom-color:var(--gold)}
.nav-cta{display:flex;align-items:center;gap:10px;flex:0 0 auto}
.nav-toggle{display:none;background:none;border:1px solid var(--golddk);color:var(--gold);font-size:18px;padding:6px 12px;border-radius:4px;cursor:pointer}
/* BUTTONS */
.btn{display:inline-block;white-space:nowrap;padding:13px 24px;font-size:12px;letter-spacing:.18em;text-transform:uppercase;font-weight:bold;border-radius:3px;border:1px solid var(--gold);transition:.2s;cursor:pointer}
.btn-gold{background:var(--gold);color:var(--obs)}
.btn-gold:hover{background:var(--goldlt)}
.btn-line{color:var(--gold);background:transparent}
.btn-line:hover{background:var(--gold);color:var(--obs)}
.btn-sm{padding:9px 14px;font-size:10px;letter-spacing:.1em}
/* HERO */
.hero{padding:84px 24px 96px;text-align:center;background:radial-gradient(ellipse at top,rgba(201,169,106,.12),transparent 55%),linear-gradient(180deg,var(--obs),var(--obs2));border-bottom:1px solid var(--rule)}
.hero img{width:170px;height:170px;margin:0 auto 28px;display:block;filter:drop-shadow(0 0 30px rgba(201,169,106,.25))}
.hero h1{max-width:900px;margin:0 auto 18px}
.hero .lede{max-width:780px;margin:0 auto 34px;font-size:18px;opacity:.92}
.hero .btn-row{display:flex;gap:14px;justify-content:center;flex-wrap:wrap}
/* SECTION */
section{padding:76px 24px;max-width:1240px;margin:0 auto}
section.tint{background:var(--obs2);max-width:none}
section.tint > *{max-width:1240px;margin-left:auto;margin-right:auto}
section h2{margin-bottom:14px}
section .sub{max-width:820px;font-size:16.5px;opacity:.9;margin-bottom:34px}
/* CARDS */
.grid{display:grid;gap:20px}
.g2{grid-template-columns:repeat(2,1fr)}.g3{grid-template-columns:repeat(3,1fr)}.g4{grid-template-columns:repeat(4,1fr)}
.card{background:var(--obs2);border:1px solid var(--rule);border-radius:6px;padding:28px}
section.tint .card{background:rgba(20,22,26,.65)}
.card h3{color:var(--gold);margin-bottom:10px}
.card p{font-size:14.5px;opacity:.88}
.card ul{margin:12px 0 0 18px;font-size:14px;opacity:.85}
.card li{margin-bottom:6px}
.card .big{font-size:26px;color:var(--gold);font-style:italic;margin-bottom:8px;display:block}
.card .tag{display:inline-block;font-size:9.5px;letter-spacing:.28em;text-transform:uppercase;color:var(--golddk);border:1px solid var(--golddk);padding:4px 10px;border-radius:2px;margin-bottom:14px}
/* STATS */
.statrow{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin:30px 0}
.stat{border:1px solid var(--rule);border-radius:6px;padding:20px;text-align:center;background:rgba(28,31,36,.5)}
.stat b{display:block;font-size:22px;color:var(--gold);font-weight:normal;margin-bottom:4px}
.stat span{font-size:12px;opacity:.75;letter-spacing:.06em}
.stat .stat-note{display:block;font-size:11px;opacity:.6;margin-top:6px;font-style:italic;line-height:1.4}
/* TABLE */
table.terms{width:100%;border-collapse:collapse;margin:20px 0;font-size:14px}
table.terms th,table.terms td{border:1px solid var(--rule);padding:11px 14px;text-align:left}
table.terms th{color:var(--gold);font-weight:normal;letter-spacing:.08em;text-transform:uppercase;font-size:11.5px;background:rgba(28,31,36,.6)}
table.terms td b{color:var(--goldlt);font-weight:normal}
.note{border-left:3px solid var(--gold);padding:14px 18px;background:rgba(201,169,106,.08);font-size:14px;margin:20px 0;border-radius:0 4px 4px 0}
/* FAQ */
.faq{margin-top:34px}
.faq details{border:1px solid var(--rule);border-radius:6px;background:rgba(28,31,36,.45);margin-bottom:10px;padding:0}
.faq summary{cursor:pointer;padding:15px 20px;font-size:15px;color:var(--goldlt);list-style:none;position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:'+';position:absolute;right:18px;top:50%;transform:translateY(-50%);color:var(--gold);font-size:18px}
.faq details[open] summary::after{content:'\2013'}
.faq details[open] summary{border-bottom:1px solid var(--rule)}
.faq details p{padding:14px 20px;font-size:14px;opacity:.88}
/* CONTACT FORM */
.inquiry{max-width:820px;margin:0 auto;display:grid;gap:16px}
.inquiry .frow{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.inquiry label{display:flex;flex-direction:column;gap:7px;font-size:11px;letter-spacing:.22em;text-transform:uppercase;color:var(--gold)}
.inquiry label span{color:var(--goldlt)}
.inquiry input,.inquiry select,.inquiry textarea{background:rgba(20,22,26,.8);border:1px solid var(--rule);border-radius:4px;color:var(--cream);font-family:inherit;font-size:15px;padding:12px 14px;letter-spacing:normal;text-transform:none}
.inquiry input:focus,.inquiry select:focus,.inquiry textarea:focus{outline:none;border-color:var(--gold)}
.inquiry select option{background:var(--obs2);color:var(--cream)}
.inquiry textarea{resize:vertical}
.ferr{color:#E08A8A;font-size:13.5px}
.fnote{font-size:12px;opacity:.6}
.fsent{border:1px solid var(--gold);background:rgba(201,169,106,.1);border-radius:6px;padding:26px;text-align:center;max-width:820px;margin:0 auto}
.fsent h3{margin-bottom:8px}
/* CTA STRIP */
.cta-strip{max-width:1240px;margin:20px auto 70px;padding:34px 34px;border:1px solid var(--golddk);border-radius:8px;background:linear-gradient(135deg,rgba(201,169,106,.12),rgba(201,169,106,.03));display:flex;align-items:center;justify-content:space-between;gap:26px;flex-wrap:wrap;margin-left:auto;margin-right:auto}
.cta-strip h3{margin-bottom:6px}
.cta-strip p{font-size:14px;opacity:.85}
.cta-buttons{display:flex;gap:14px;flex-wrap:wrap}
/* FOOTER */
footer{background:var(--obs2);border-top:2px solid var(--gold);padding:56px 24px 26px}
.foot-grid{max-width:1240px;margin:0 auto;display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:30px}
.foot-logo{width:58px;height:58px;margin-bottom:12px}
.foot-word{color:var(--gold);font-size:13px;letter-spacing:.18em;font-weight:bold}
.foot-tag{font-size:10.5px;letter-spacing:.14em;color:var(--golddk);margin-top:8px;line-height:1.8}
footer h4{font-size:11px;letter-spacing:.3em;text-transform:uppercase;color:var(--gold);margin-bottom:12px;font-weight:normal}
footer p{font-size:13.5px;margin-bottom:8px;opacity:.85}
.disclaimer{max-width:1150px;margin:34px auto 0;font-size:10.5px;opacity:.55;line-height:1.7;border-top:1px solid var(--rule);padding-top:18px}
.copyline{text-align:center;font-size:10px;letter-spacing:.24em;color:var(--golddk);margin-top:18px}
@media(max-width:960px){
  .g4,.statrow{grid-template-columns:repeat(2,1fr)}
  .g3{grid-template-columns:repeat(2,1fr)}
  .links{display:none;position:absolute;top:64px;left:0;right:0;background:var(--obs);flex-direction:column;padding:18px 24px;border-bottom:1px solid var(--rule)}
  .links.open{display:flex}
  .nav-toggle{display:block}
  .foot-grid{grid-template-columns:1fr 1fr}
  h1{font-size:32px}h2{font-size:26px}
  .cta-strip{flex-direction:column;align-items:flex-start}
  .inquiry .frow{grid-template-columns:1fr}
}
@media(max-width:560px){.g2,.g3,.g4,.statrow,.foot-grid{grid-template-columns:1fr}}

/* ============ FINTECH PARTNERSHIP PAGE (GET PAID LIKE A BANK) ============ */
.ft-page{--royal:#1E3A8A;--royal-lt:#2563EB;--royal-dk:#132259;--baby:#89CFF0;--baby-lt:#B8E2F8;--goldb:#D4AF37}
.ft-hero{position:relative;overflow:hidden;text-align:center;padding:96px 24px 88px;
  background:
    radial-gradient(ellipse 60% 80% at 15% 20%, rgba(37,99,235,.35), transparent 60%),
    radial-gradient(ellipse 55% 70% at 85% 15%, rgba(137,207,240,.22), transparent 60%),
    radial-gradient(ellipse 70% 60% at 50% 110%, rgba(212,175,55,.20), transparent 65%),
    linear-gradient(180deg,var(--royal-dk) 0%,var(--royal) 55%,#22418F 100%);
  border-bottom:2px solid var(--goldb)}
.ft-hero::before{content:'';position:absolute;inset:0;pointer-events:none;opacity:.35;
  background-image:linear-gradient(rgba(184,226,248,.06) 1px,transparent 1px),linear-gradient(90deg,rgba(184,226,248,.06) 1px,transparent 1px);
  background-size:44px 44px}
.ft-hero > *{position:relative;z-index:1}
.ft-eyebrow{display:block;font-size:12px;letter-spacing:.42em;text-transform:uppercase;color:var(--baby);margin-bottom:26px}
.ft-shout{font-family:Georgia,'Times New Roman',serif;font-weight:bold;text-transform:uppercase;
  font-size:clamp(52px,9vw,118px);line-height:.98;letter-spacing:.02em;margin:0 auto 26px;max-width:1000px;
  background:linear-gradient(180deg,#F6E27A 0%,var(--goldb) 45%,#FFF3C4 70%,var(--goldb) 100%);
  -webkit-background-clip:text;background-clip:text;color:transparent;
  filter:drop-shadow(0 0 26px rgba(212,175,55,.45)) drop-shadow(0 2px 2px rgba(0,0,0,.55));
  animation:ft-rise .9s cubic-bezier(.2,.8,.2,1) both}
.ft-hero .ft-lede{max-width:820px;margin:0 auto 30px;font-size:20px;color:#EAF4FF;animation:ft-rise .9s .15s cubic-bezier(.2,.8,.2,1) both}
.ft-hero .ft-lede b{color:var(--baby);font-weight:bold}
.ft-btn-blue{background:var(--royal-lt);border-color:var(--royal-lt);color:#fff}
.ft-btn-blue:hover{background:var(--baby);border-color:var(--baby);color:var(--royal-dk)}
.ft-hint{font-size:13px;color:var(--baby-lt);opacity:.8;margin-top:22px;animation:ft-rise .9s .3s cubic-bezier(.2,.8,.2,1) both}
@keyframes ft-rise{from{opacity:0;transform:translateY(26px)}to{opacity:1;transform:none}}
.ft-page section h2 em.gold,.ft-page .card h3{color:var(--royal-lt)}
.ft-page .card h3 a{color:inherit}
.ft-page section .sub,.ft-page .card p,.ft-page .card li{color:var(--cream)}
.ft-cta{border-color:var(--royal-lt);background:linear-gradient(135deg,rgba(37,99,235,.18),rgba(137,207,240,.08))}
@media(max-width:960px){.ft-shout{font-size:clamp(44px,12vw,72px)}}