/* Payledger v2 — Black & White Premium */
:root {
    --black: #0a0a0a;
    --white: #ffffff;
    --gray-50: #f7f7f7;
    --gray-100: #efefef;
    --gray-400: #8b8b8b;
    --gray-600: #4a4a4a;
    --accent: #F05436;
    --green: #17a34a;
}
*, *::before, *::after { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { font-family: 'Inter', -apple-system, sans-serif; color: var(--black); background: var(--white); line-height: 1.7; -webkit-font-smoothing: antialiased; }
a { text-decoration: none; color: inherit; }

/* Nav */
.header { position: fixed; top: 0; left: 0; right: 0; z-index: 100; background: rgba(255,255,255,0.92); backdrop-filter: blur(12px); border-bottom: 1px solid var(--gray-100); }
.nav { max-width: 100%; margin: 0 auto; padding: 1rem 3.5rem; display: flex; align-items: center; justify-content: space-between; }
.logo--dark { height: 20px; display: none; }
.logo--light { height: 20px; }
.nav__menu { display: flex; gap: 2.5rem; }
.nav__menu a { font-size: 0.875rem; font-weight: 500; color: var(--gray-600); transition: color 0.2s; }
.nav__menu a:hover { color: var(--black); }
.nav__cta { font-size: 0.8125rem; font-weight: 600; padding: 0.5rem 1.25rem; background: var(--black); color: var(--white); border-radius: 0; transition: background 0.2s; }
.nav__cta:hover { background: var(--accent); }

/* Buttons */
.btn { display: inline-block; padding: 1rem 2.5rem; background: var(--black); color: var(--white); font-size: 0.9375rem; font-weight: 600; border-radius: 0; border: none; cursor: pointer; transition: all 0.25s; letter-spacing: -0.02em; }
.btn:hover { background: var(--accent); transform: translateY(-2px); box-shadow: 0 8px 24px rgba(240,84,54,0.2); }
.btn--large { padding: 1.125rem 3rem; font-size: 1rem; }
.btn--full { width: 100%; text-align: center; }
.label { display: inline-block; font-size: 0.625rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.12em; color: var(--accent); margin-bottom: 1rem; }

/* Marquee */
.announcement { background: var(--black); padding: 0.75rem 0; overflow: hidden; }
.marquee { position: relative; }
.marquee__track { display: flex; gap: 2rem; animation: scroll 20s linear infinite; white-space: nowrap; }
.marquee__track span { font-size: 0.75rem; font-weight: 500; color: rgba(255,255,255,0.5); }
@keyframes scroll { 0% { transform: translateX(0); } 100% { transform: translateX(-50%); } }

/* Hero */
.hero { display: grid; grid-template-columns: 1fr 1fr; gap: 4rem; align-items: center; padding: 10rem 3.5rem 6rem; min-height: 90vh; }
.hero h1 { font-size: clamp(3rem, 6vw, 5rem); font-weight: 800; line-height: 1.05; letter-spacing: -0.04em; margin-bottom: 1.5rem; }
.hero__sub { font-size: 1.125rem; color: var(--gray-600); line-height: 1.8; margin-bottom: 2.5rem; max-width: 480px; }
.hero__visual { display: flex; align-items: center; justify-content: center; }
.hero__img { width: 85%; height: auto; animation: heroFloat 5s ease-in-out infinite; }
@keyframes heroFloat { 0%, 100% { transform: translateY(0); } 50% { transform: translateY(-12px); } }

/* Products */
.products { padding: 6rem 3.5rem; background: var(--gray-50); }
.products__header { margin-bottom: 4rem; }
.products__header h2 { font-size: clamp(2rem, 4vw, 3rem); font-weight: 800; letter-spacing: -0.04em; }
.products__grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.5rem; }
.product-card { background: var(--white); border: none; border-top: 1px solid var(--gray-100); border-radius: 0; padding: 2.5rem 2rem 2.5rem 0; transition: transform 0.3s, box-shadow 0.3s; opacity: 0; transform: translateY(20px); }
.product-card.in-view { opacity: 1; transform: translateY(0); transition: opacity 0.6s, transform 0.6s; }
.product-card:hover { transform: translateY(-4px); box-shadow: none; }
.product-card__icon { width: 48px; height: 48px; border-radius: 0; background: var(--black); color: var(--white); display: flex; align-items: center; justify-content: center; margin-bottom: 1.5rem; }
.product-card h3 { font-size: 1.25rem; font-weight: 700; margin-bottom: 0.75rem; letter-spacing: -0.02em; }
.product-card > p { font-size: 0.9375rem; color: var(--gray-600); line-height: 1.8; margin-bottom: 1.25rem; }
.product-card ul { list-style: none; display: flex; flex-direction: column; gap: 0.5rem; }
.product-card li { font-size: 0.8125rem; color: var(--gray-400); padding-left: 1.25rem; position: relative; }
.product-card li::before { content: '→'; position: absolute; left: 0; color: var(--accent); }

/* How It Works */
.how { padding: 6rem 3.5rem; }
.how__inner { display: grid; grid-template-columns: 1fr 1fr; gap: 5rem; align-items: center; }
.how__text h2 { font-size: clamp(2rem, 4vw, 3rem); font-weight: 800; letter-spacing: -0.04em; margin-bottom: 3rem; }
.how__steps { display: flex; flex-direction: column; gap: 2.5rem; }
.how__step { display: flex; gap: 1.5rem; opacity: 0; transform: translateX(-20px); transition: opacity 0.5s, transform 0.5s; }
.how__step.in-view { opacity: 1; transform: translateX(0); }
.how__step:nth-child(2).in-view { transition-delay: 0.1s; }
.how__step:nth-child(3).in-view { transition-delay: 0.2s; }
.how__num { font-size: 2rem; font-weight: 800; color: var(--accent); line-height: 1; min-width: 40px; opacity: 0.3; }
.how__step h4 { font-size: 1.0625rem; font-weight: 700; margin-bottom: 0.375rem; }
.how__step p { font-size: 0.9375rem; color: var(--gray-600); line-height: 1.7; }
.how__placeholder { width: 100%; aspect-ratio: 1; background: var(--gray-50); border-radius: 0; border: 1px solid var(--gray-100); }
.how__placeholder::after { content: 'Visual'; color: var(--gray-400); font-size: 0.875rem; display: flex; align-items: center; justify-content: center; height: 100%; }

/* Problem */
.problem { padding: 6rem 3.5rem; background: var(--black); color: var(--white); text-align: center; }
.problem__inner { max-width: 700px; margin: 0 auto; }
.problem__inner h2 { font-size: clamp(2rem, 4vw, 2.75rem); font-weight: 800; letter-spacing: -0.04em; margin-bottom: 1.25rem; }
.problem__inner > p { font-size: 1.0625rem; color: rgba(255,255,255,0.5); line-height: 1.8; margin-bottom: 3rem; }
.problem__stat { display: inline-flex; flex-direction: column; gap: 0.5rem; opacity: 0; transform: scale(0.9); transition: all 0.6s; }
.problem__stat.in-view { opacity: 1; transform: scale(1); }
.problem__stat-value { font-size: clamp(2.5rem, 5vw, 4rem); font-weight: 800; letter-spacing: -0.04em; color: var(--accent); }
.problem__stat-label { font-size: 0.875rem; color: rgba(255,255,255,0.4); }

/* Apply Form */
.apply { padding: 6rem 3.5rem; background: var(--gray-50); }
.apply__inner { display: grid; grid-template-columns: 1fr 1fr; gap: 5rem; align-items: start; }
.apply__text { opacity: 0; transform: translateY(20px); transition: all 0.6s; }
.apply__text.in-view { opacity: 1; transform: translateY(0); }
.apply__text h2 { font-size: clamp(2rem, 4vw, 2.75rem); font-weight: 800; letter-spacing: -0.04em; margin-bottom: 1rem; }
.apply__text > p { font-size: 1rem; color: var(--gray-600); line-height: 1.8; margin-bottom: 2rem; }
.apply__text ul { list-style: none; display: flex; flex-direction: column; gap: 0.75rem; }
.apply__text li { font-size: 0.9375rem; color: var(--gray-600); display: flex; align-items: center; gap: 0.75rem; }
.tick { width: 18px; height: 18px; }
.apply__form { background: var(--white); border-radius: 0; padding: 2.5rem; border: none; border-left: 2px solid var(--black); box-shadow: none; opacity: 0; transform: translateY(20px); transition: all 0.6s 0.2s; }
.apply__form.in-view { opacity: 1; transform: translateY(0); }
.apply__form form { display: flex; flex-direction: column; gap: 1rem; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
.form-field { display: flex; flex-direction: column; gap: 0.25rem; }
.form-field label { font-size: 0.625rem; font-weight: 600; text-transform: uppercase; letter-spacing: 0.05em; color: var(--gray-400); }
.form-field input { padding: 0.875rem 1rem; border: 1px solid var(--gray-100); border-radius: 2px; font-family: 'Inter', sans-serif; font-size: 0.9375rem; color: var(--black); outline: none; transition: border-color 0.2s, box-shadow 0.2s; }
.form-field input:focus { border-color: var(--black); box-shadow: none; }
.form-field input::placeholder { color: var(--gray-400); }
.form-success { display: none; align-items: center; gap: 0.75rem; padding: 1.5rem; font-size: 0.9375rem; color: var(--green); font-weight: 500; }
.form-success span { width: 28px; height: 28px; border-radius: 50%; background: rgba(23,163,74,0.08); display: flex; align-items: center; justify-content: center; font-weight: 700; }

/* About */
.about { padding: 6rem 3.5rem; }
.about__inner { max-width: 640px; }
.about__inner h2 { font-size: clamp(1.75rem, 3vw, 2.25rem); font-weight: 800; letter-spacing: -0.03em; margin-bottom: 1.25rem; }
.about__inner p { font-size: 1rem; color: var(--gray-600); line-height: 1.8; margin-bottom: 1rem; }
.about__legal { font-size: 0.8125rem; color: var(--gray-400); padding-top: 1rem; border-top: 1px solid var(--gray-100); }

/* Footer */
.footer { padding: 3rem 3.5rem 2rem; border-top: 1px solid var(--gray-100); }
.footer__inner { display: flex; justify-content: space-between; align-items: flex-start; margin-bottom: 2rem; }
.footer__logo { height: 18px; margin-bottom: 0.5rem; }
.footer__left p { font-size: 0.75rem; color: var(--gray-400); }
.footer__links { display: flex; gap: 2rem; flex-wrap: wrap; }
.footer__links a { font-size: 0.8125rem; color: var(--gray-400); transition: color 0.2s; }
.footer__links a:hover { color: var(--black); }
.footer__bottom { border-top: 1px solid var(--gray-100); padding-top: 1.5rem; }
.footer__bottom p { font-size: 0.625rem; color: var(--gray-400); }

/* WhatsApp */
.wa-float { position: fixed; bottom: 2rem; right: 2rem; width: 52px; height: 52px; border-radius: 50%; background: #0EA73D; display: flex; align-items: center; justify-content: center; box-shadow: 0 4px 16px rgba(14,167,61,0.25); z-index: 90; transition: transform 0.2s; }
.wa-float:hover { transform: scale(1.1); }

/* Responsive */
@media (max-width: 1024px) {
    .hero, .how__inner, .apply__inner { grid-template-columns: 1fr; gap: 3rem; }
    .products__grid { grid-template-columns: 1fr 1fr; }
    .nav { padding: 1rem 2rem; }
    .hero, .products, .how, .problem, .apply, .about, .footer { padding-left: 2rem; padding-right: 2rem; }
}
@media (max-width: 768px) {
    .nav__menu { display: none; }
    .products__grid { grid-template-columns: 1fr; }
    .hero { min-height: auto; padding-top: 7rem; }
    .hero h1 { font-size: 2.5rem; }
    .hero__visual { display: none; }
    .how__visual { display: none; }
    .form-row { grid-template-columns: 1fr; }
    .footer__inner { flex-direction: column; gap: 1.5rem; }
    .footer__links { gap: 1.25rem; }
}

/* Payledger Instant Section */
.instant { padding: 6rem 3.5rem; border-bottom: 1px solid var(--gray-100); }
.instant__inner { display: grid; grid-template-columns: 1fr 1fr; gap: 5rem; align-items: start; }
.instant__text h2 { font-size: clamp(2rem, 4vw, 2.75rem); font-weight: 800; letter-spacing: -0.04em; margin-bottom: 1.25rem; line-height: 1.1; }
.instant__text p { font-size: 1.0625rem; color: var(--gray-600); line-height: 1.8; }
.instant__how { border-left: 1px solid var(--gray-100); padding-left: 2.5rem; }
.instant__tabs { display: flex; flex-direction: column; gap: 0; margin-bottom: 2rem; }
.instant__tab { display: flex; align-items: center; gap: 1rem; padding: 1.25rem 1.5rem; background: none; border: none; border-bottom: 1px solid var(--gray-100); cursor: pointer; text-align: left; transition: background 0.2s; width: 100%; }
.instant__tab:last-child { border-bottom: none; }
.instant__tab.active { background: var(--black); }
.instant__tab-num { font-size: 0.75rem; font-weight: 700; color: var(--gray-400); }
.instant__tab.active .instant__tab-num { color: var(--accent); }
.instant__tab-label { font-size: 1rem; font-weight: 600; color: var(--gray-600); letter-spacing: -0.02em; }
.instant__tab.active .instant__tab-label { color: var(--white); }
.instant__panels { }
.instant__panel { display: none; }
.instant__panel.active { display: block; animation: fadeIn 0.3s ease; }
@keyframes fadeIn { from { opacity: 0; } to { opacity: 1; } }
.instant__panel p { font-size: 0.9375rem; color: var(--gray-600); line-height: 1.8; }

@media (max-width: 768px) {
    .instant { padding: 4rem 2rem; }
    .instant__inner { grid-template-columns: 1fr; gap: 3rem; }
    .instant__how { border-left: none; padding-left: 0; border-top: 1px solid var(--gray-100); padding-top: 2rem; }
}