/* IZEMIUM payments site — professional, light, dependency-free */
:root {
  --navy: #143a66;
  --navy-dark: #0d2744;
  --ink: #1c2733;
  --muted: #5a6b7b;
  --line: #d9e1e8;
  --bg: #ffffff;
  --bg-muted: #f4f7fa;
  --accent: #0e7c66;
  --accent-dark: #0a5f4e;
  --amber-bg: #fff8e6;
  --amber-line: #f0d58a;
  --radius: 8px;
  --max: 1120px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  color: var(--ink);
  background: var(--bg);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}
img, svg { max-width: 100%; }
a { color: var(--navy); text-decoration: underline; text-underline-offset: 2px; }
a:hover { color: var(--accent-dark); }
h1, h2, h3 { line-height: 1.25; color: var(--navy-dark); margin: 0 0 0.5em; }
h1 { font-size: clamp(1.9rem, 4vw, 3rem); letter-spacing: -0.02em; }
h2 { font-size: clamp(1.4rem, 2.6vw, 2rem); }
h3 { font-size: 1.1rem; }
p { margin: 0 0 1em; }
ul, ol { margin: 0 0 1em; padding-left: 1.25em; }

.container { width: 100%; max-width: var(--max); margin: 0 auto; padding: 0 24px; }
.narrow { max-width: 800px; }
.center { text-align: center; }

.skip-link {
  position: absolute; left: -9999px; top: 0; background: var(--navy); color: #fff;
  padding: 10px 16px; z-index: 100; border-radius: 0 0 6px 0;
}
.skip-link:focus { left: 0; }

.site-header { border-bottom: 1px solid var(--line); background: #fff; }
.nav-inner { display: flex; align-items: center; justify-content: space-between; gap: 24px; min-height: 72px; }
.brand { display: inline-flex; align-items: center; gap: 10px; text-decoration: none; }
.brand-name { font-weight: 800; letter-spacing: 0.08em; color: var(--navy-dark); font-size: 1.05rem; }
.nav-menu { display: flex; align-items: center; gap: 22px; }
.nav-menu a { text-decoration: none; color: var(--ink); font-size: 0.95rem; }
.nav-menu a:hover { color: var(--accent-dark); }
.nav-toggle { display: none; background: none; border: 1px solid var(--line); border-radius: 6px; padding: 8px 10px; cursor: pointer; }
.nav-toggle-bar { display: block; width: 20px; height: 2px; background: var(--navy-dark); margin: 4px 0; }

.ribbon { background: var(--amber-bg); border-bottom: 1px solid var(--amber-line); color: #6b5300; font-size: 0.85rem; padding: 9px 0; text-align: center; }

.btn {
  display: inline-block; padding: 12px 20px; border-radius: 6px; font-weight: 600;
  text-decoration: none; border: 1px solid transparent; cursor: pointer; font-size: 0.95rem;
}
.btn:focus-visible { outline: 3px solid #8fb7ff; outline-offset: 2px; }
.btn-primary { background: var(--navy); color: #fff; }
.btn-primary:hover { background: var(--navy-dark); color: #fff; }
.btn-secondary { background: #fff; color: var(--navy); border-color: var(--line); }
.btn-secondary:hover { border-color: var(--navy); color: var(--navy-dark); }
.btn-light { background: #fff; color: var(--navy); }
.btn-light:hover { background: #eef4fb; color: var(--navy-dark); }
.btn-sm { padding: 8px 14px; font-size: 0.9rem; }

.hero { background: var(--bg-muted); padding: 72px 0 64px; border-bottom: 1px solid var(--line); }
.hero-inner { max-width: 860px; }
.eyebrow { text-transform: uppercase; letter-spacing: 0.12em; font-size: 0.78rem; font-weight: 700; color: var(--accent-dark); margin-bottom: 12px; }
.lede { font-size: 1.12rem; color: var(--muted); max-width: 760px; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; margin: 26px 0 28px; }
.chips { list-style: none; padding: 0; display: flex; flex-wrap: wrap; gap: 8px; margin: 0; }
.chips li { background: #fff; border: 1px solid var(--line); border-radius: 999px; padding: 5px 12px; font-size: 0.82rem; color: var(--muted); }

.section { padding: 64px 0; }
.section-muted { background: var(--bg-muted); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.section-head { max-width: 760px; margin-bottom: 32px; }
.page-head { background: var(--bg-muted); padding: 56px 0 44px; border-bottom: 1px solid var(--line); }

.grid-2, .grid-3 { display: grid; gap: 20px; }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 24px; }
.card h2, .card h3 { margin-top: 0; }
.card p:last-child { margin-bottom: 0; }
.split { display: grid; grid-template-columns: 1.2fr 1fr; gap: 40px; align-items: start; }
.panel { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 24px; box-shadow: 0 1px 2px rgba(20, 58, 102, 0.04); }

.check-list { list-style: none; padding: 0; }
.check-list li { position: relative; padding-left: 26px; margin-bottom: 8px; }
.check-list li::before { content: ""; position: absolute; left: 0; top: 0.48em; width: 14px; height: 8px; border-left: 2px solid var(--accent); border-bottom: 2px solid var(--accent); transform: rotate(-45deg); }

.steps { list-style: none; counter-reset: step; padding: 0; }
.steps li { counter-increment: step; padding-left: 38px; position: relative; margin-bottom: 16px; }
.steps li::before { content: counter(step); position: absolute; left: 0; top: 0; width: 26px; height: 26px; border-radius: 50%; background: var(--navy); color: #fff; font-size: 0.82rem; font-weight: 700; display: flex; align-items: center; justify-content: center; }
.steps span { display: block; color: var(--muted); font-size: 0.92rem; }

.notice { background: var(--amber-bg); border: 1px solid var(--amber-line); border-radius: var(--radius); padding: 16px 18px; margin: 0 0 28px; color: #5c4800; }
.callout { background: var(--bg-muted); border-left: 4px solid var(--accent); padding: 16px 18px; border-radius: 0 var(--radius) var(--radius) 0; margin-top: 24px; }
.callout p { margin: 0; }

.cta-band { background: var(--navy); color: #fff; padding: 48px 0; }
.cta-band h2 { color: #fff; }
.cta-band p { color: #c9d7e8; margin-bottom: 0; }
.cta-inner { display: flex; align-items: center; justify-content: space-between; gap: 32px; }

.price-card.featured { border-color: var(--navy); box-shadow: 0 8px 24px rgba(20, 58, 102, 0.12); }
.price-meta { color: var(--muted); font-size: 0.92rem; }

.form { max-width: 560px; }
.field { margin-bottom: 16px; }
.field label { display: block; font-weight: 600; margin-bottom: 6px; font-size: 0.92rem; }
.field input, .field select, .field textarea {
  width: 100%; padding: 10px 12px; border: 1px solid var(--line); border-radius: 6px;
  font: inherit; color: var(--ink); background: #fff;
}
.field input:focus, .field select:focus, .field textarea:focus { outline: 2px solid #8fb7ff; outline-offset: 1px; border-color: var(--navy); }
.form-note { color: var(--muted); font-size: 0.88rem; margin-top: 12px; }

.legal h2 { margin-top: 1.6em; }
.stacked { font-style: normal; margin-bottom: 18px; }
.muted { color: var(--muted); }

.footer { background: var(--navy-dark); color: #c9d7e8; padding: 48px 0 24px; margin-top: 0; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr 1.4fr; gap: 28px; }
.footer-title { color: #fff; font-size: 0.82rem; text-transform: uppercase; letter-spacing: 0.08em; margin-bottom: 10px; }
.footer-list { list-style: none; padding: 0; margin: 0; }
.footer-list li { margin-bottom: 7px; }
.footer a { color: #c9d7e8; text-decoration: none; }
.footer a:hover { color: #fff; text-decoration: underline; }
.footer-brand .brand-name { color: #fff; }
.footer-brand p { margin-top: 10px; font-size: 0.9rem; color: #a9bdd4; max-width: 280px; }
.footer-address { font-style: normal; font-size: 0.9rem; }
.footer-bottom { display: flex; justify-content: space-between; gap: 16px; border-top: 1px solid rgba(255,255,255,0.12); margin-top: 36px; padding-top: 18px; font-size: 0.82rem; color: #8fa7c1; }

.sr-only { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0; }

@media (max-width: 900px) {
  .grid-3 { grid-template-columns: 1fr 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .split { grid-template-columns: 1fr; gap: 28px; }
  .cta-inner { flex-direction: column; align-items: flex-start; }
}
@media (max-width: 700px) {
  .nav-toggle { display: block; }
  .nav-menu { display: none; position: absolute; left: 0; right: 0; top: 100%; background: #fff; border-bottom: 1px solid var(--line); flex-direction: column; align-items: flex-start; padding: 16px 24px 20px; gap: 14px; z-index: 40; }
  .nav-menu.open { display: flex; }
  .site-header { position: relative; }
  .grid-2, .grid-3 { grid-template-columns: 1fr; }
  .hero { padding: 52px 0 44px; }
  .section { padding: 48px 0; }
  .footer-grid { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; }
}