:root {
  --4zd-primary: #0369a1;
  --4zd-secondary: #075985;
  --4zd-accent: #d97706;
  --4zd-background: #f0f9ff;
  --4zd-text: #0c4a6e;
  --4zd-muted: #7dd3fc;
  --4zd-white: #ffffff;
  --4zd-dark-text: #1a202c;
  --4zd-light-text: #edf2f7;

  --st-space-xs: 4px;
  --st-space-sm: 8px;
  --st-space-md: 16px;
  --st-space-lg: 24px;
  --st-space-xl: 32px;
  --st-space-xxl: 48px;
  --st-space-xxxl: 64px;
  --st-space-xxxxl: 96px;
  --st-space-xxxxxl: 128px;

  --st-border-radius-sm: 4px;
  --st-border-radius-md: 8px;
  --st-border-radius-lg: 12px;
  --st-border-radius-xl: 16px;

  --st-font-heading: 'Poppins', sans-serif;
  --st-font-body: 'Work Sans', sans-serif;

  --st-shadow-sm: 0 1px 3px rgba(0, 0, 0, 0.06), 0 1px 2px rgba(0, 0, 0, 0.1);
  --st-shadow-md: 0 4px 20px rgba(0, 0, 0, 0.04), 0 1px 3px rgba(0, 0, 0, 0.06);
  --st-shadow-lg: 0 10px 30px rgba(0, 0, 0, 0.08), 0 5px 15px rgba(0, 0, 0, 0.05);
}

@import url('https://fonts.googleapis.com/css2?family=Poppins:wght@400;500;600;700;800&family=Work+Sans:wght@400;500;600;700&display=swap');

/* Base Styles & Reset */
*,
*::before,
*::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

html {
  scroll-behavior: smooth;
  -webkit-text-size-adjust: 100%;
  -moz-text-size-adjust: 100%;
  text-size-adjust: 100%;
  font-size: 16px; /* Base for rem units */
}

body {
  font-family: var(--st-font-body);
  line-height: 1.75;
  color: var(--4zd-text);
  background-color: var(--4zd-background);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

::selection {
  background-color: var(--4zd-accent);
  color: var(--4zd-white);
}

a {
  color: var(--4zd-primary);
  text-decoration: none;
  transition: color 0.25s cubic-bezier(0.4, 0, 0.2, 1);
}

a:hover {
  color: var(--4zd-secondary);
  text-decoration: underline;
}

img {
  max-width: 100%;
  height: auto;
  display: block;
  user-select: none;
}

button,
input,
select,
textarea {
  font-family: inherit;
  font-size: 100%;
  line-height: 1.15;
  margin: 0;
}

button {
  cursor: pointer;
  background: none;
  border: none;
  padding: 0;
}

ul,
ol {
  list-style: none;
}

/* Typography Scale */
h1,
.st-h1,
h2,
.st-h2,
h3,
.st-h3,
h4,
h5,
h6 {
  font-family: var(--st-font-heading);
  color: var(--4zd-dark-text);
  margin-bottom: var(--st-space-md);
  line-height: 1.15;
  letter-spacing: -0.02em;
}

h1,
.st-h1 {
  font-size: clamp(2.5rem, 5vw, 4.5rem); /* 40px to 72px */
  font-weight: 800;
  line-height: 1.05;
  letter-spacing: -0.03em;
}

h2,
.st-h2 {
  font-size: clamp(2rem, 3.5vw, 3rem); /* 32px to 48px */
  font-weight: 700;
  line-height: 1.15;
  letter-spacing: -0.02em;
}

h3,
.st-h3 {
  font-size: clamp(1.5rem, 2.5vw, 1.875rem); /* 24px to 30px */
  font-weight: 600;
  letter-spacing: -0.01em;
  line-height: 1.25;
}

p {
  margin-bottom: var(--st-space-md);
  font-size: 1.125rem; /* 18px */
  line-height: 1.75;
}

.st-subheading {
  font-size: 1.25rem;
  font-weight: 500;
  color: var(--4zd-muted);
  margin-bottom: var(--st-space-xl);
}

.st-text-center {
  text-align: center;
}

/* Layout and Utilities */
.st-container {
  max-width: 1280px;
  margin-left: auto;
  margin-right: auto;
  padding-left: var(--st-space-lg);
  padding-right: var(--st-space-lg);
}

.st-section {
  padding-top: var(--st-space-xxxxl);
  padding-bottom: var(--st-space-xxxxl);
}

.st-section-alt {
  background-color: var(--4zd-background);
  padding-top: var(--st-space-xxxxl);
  padding-bottom: var(--st-space-xxxxl);
}

@media (max-width: 768px) {
  .st-section, .st-section-alt {
    padding-top: var(--st-space-xxxl);
    padding-bottom: var(--st-space-xxxl);
  }
}

.st-grid {
  display: grid;
  gap: var(--st-space-xl);
}

.st-grid-2 {
  grid-template-columns: repeat(1, 1fr);
}

@media (min-width: 768px) {
  .st-grid-2 {
    grid-template-columns: repeat(2, 1fr);
  }
}

.st-grid-3 {
  grid-template-columns: repeat(1, 1fr);
}

@media (min-width: 768px) {
  .st-grid-3 {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (min-width: 1024px) {
  .st-grid-3 {
    grid-template-columns: repeat(3, 1fr);
  }
}

.st-grid-4 {
  grid-template-columns: repeat(1, 1fr);
}

@media (min-width: 768px) {
  .st-grid-4 {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (min-width: 1024px) {
  .st-grid-4 {
    grid-template-columns: repeat(4, 1fr);
  }
}

.st-flex {
  display: flex;
  gap: var(--st-space-md);
}

.st-flex-col {
  flex-direction: column;
}

.st-flex-center {
  align-items: center;
  justify-content: center;
}

/* Header and Navigation */
.st-header {
  background-color: var(--4zd-white);
  padding: var(--st-space-lg) 0;
  border-bottom: 1px solid rgba(0, 0, 0, 0.05);
  position: sticky;
  top: 0;
  z-index: 1000;
  box-shadow: var(--st-shadow-sm);
}

.st-nav {
  display: flex;
  justify-content: space-between;
  align-items: center;
}

.st-logo {
  font-family: var(--st-font-heading);
  font-size: 1.8rem;
  font-weight: 700;
  color: var(--4zd-primary);
  text-decoration: none;
}

.st-nav-list {
  display: flex;
  gap: var(--st-space-xl);
}

.st-nav-item {
  position: relative;
}

.st-nav-link {
  color: var(--4zd-dark-text);
  font-weight: 500;
  padding: var(--st-space-sm) 0;
  position: relative;
}

.st-nav-link::after {
  content: '';
  position: absolute;
  left: 0;
  bottom: 0;
  width: 0%;
  height: 2px;
  background-color: var(--4zd-primary);
  transition: width 0.3s ease-in-out;
}

.st-nav-link:hover::after {
  width: 100%;
}

.st-mobile-toggle {
  display: none;
  font-size: 2rem;
  background: none;
  border: none;
  color: var(--4zd-dark-text);
  cursor: pointer;
  z-index: 1001;
}

@media (max-width: 768px) {
  .st-nav-list {
    display: none;
    flex-direction: column;
    position: absolute;
    top: 100%;
    left: 0;
    width: 100%;
    background-color: var(--4zd-white);
    box-shadow: var(--st-shadow-md);
    padding: var(--st-space-xl) var(--st-space-lg);
    border-top: 1px solid rgba(0, 0, 0, 0.05);
  }

  .st-nav-list.active {
    display: flex;
  }

  .st-nav-item {
    margin-bottom: var(--st-space-md);
  }

  .st-nav-link {
    display: block;
    padding: var(--st-space-md) 0;
    text-align: center;
    width: 100%;
  }

  .st-mobile-toggle {
    display: block;
  }
}

/* Hero Section */
.st-hero {
  min-height: 80vh;
  display: flex;
  align-items: center;
  text-align: center;
  position: relative;
  overflow: hidden;
  padding: var(--st-space-xxxxl) 0;
  background: linear-gradient(135deg, rgba(3, 105, 161, 0.1), rgba(7, 89, 133, 0.1)), url('https://dummyimage.com/1200x800/dbeafe/1e293b&text=local-business-realism%20illustration-panel%202') no-repeat center center/cover;
  background-blend-mode: multiply;
}

.st-hero::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background: linear-gradient(135deg, rgba(3, 105, 161, 0.8), rgba(7, 89, 133, 0.85));
  z-index: 1;
}

.st-hero-content {
  position: relative;
  z-index: 2;
  color: var(--4zd-white);
  max-width: 800px;
  margin: 0 auto;
}

.st-hero-content .st-h1 {
  color: var(--4zd-white);
  margin-bottom: var(--st-space-md);
}

.st-hero-subtitle {
  font-size: 1.375rem;
  margin-bottom: var(--st-space-xxl);
  line-height: 1.5;
  color: var(--4zd-light-text);
}

.st-hero-actions {
  display: flex;
  gap: var(--st-space-md);
  justify-content: center;
  flex-wrap: wrap;
}

/* Hero split */
.st-hero-split {
  display: flex;
  min-height: 80vh;
  align-items: center;
  position: relative;
  overflow: hidden;
  padding: var(--st-space-xxxxl) 0;
  background-color: var(--4zd-background);
}

.st-hero-split .st-container {
  display: flex;
  align-items: center;
  gap: var(--st-space-xxxl);
}

.st-hero-text {
  flex: 1;
  padding-right: var(--st-space-xl);
}

.st-hero-text .st-h1 {
  text-align: left;
  color: var(--4zd-dark-text);
}

.st-hero-text .st-hero-subtitle {
  text-align: left;
  color: var(--4zd-text);
}

.st-hero-text .st-hero-actions {
  justify-content: flex-start;
}

.st-hero-image {
  flex: 1;
  position: relative;
  min-height: 400px;
}

.st-hero-image img {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  border-radius: var(--st-border-radius-lg);
}

@media (max-width: 1024px) {
  .st-hero-split .st-container {
    flex-direction: column;
    text-align: center;
  }

  .st-hero-text {
    padding-right: 0;
    margin-bottom: var(--st-space-xxl);
  }

  .st-hero-text .st-h1, .st-hero-text .st-hero-subtitle {
    text-align: center;
    max-width: 100%;
  }

  .st-hero-text .st-hero-actions {
    justify-content: center;
  }
}

/* Buttons */
.st-button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: var(--st-space-md) var(--st-space-xl);
  border-radius: var(--st-border-radius-md);
  font-weight: 600;
  font-size: 1.0625rem;
  transition: all 0.25s cubic-bezier(0.4, 0, 0.2, 1);
  text-decoration: none;
  white-space: nowrap;
}

.st-button-primary {
  background-color: var(--4zd-primary);
  color: var(--4zd-white);
  border: 1px solid var(--4zd-primary);
}

.st-button-primary:hover {
  background-color: var(--4zd-secondary);
  border-color: var(--4zd-secondary);
  transform: translateY(-2px);
  box-shadow: var(--st-shadow-sm);
}

.st-button-secondary {
  background-color: var(--4zd-muted);
  color: var(--4zd-dark-text);
  border: 1px solid var(--4zd-muted);
}

.st-button-secondary:hover {
  background-color: var(--4zd-primary);
  border-color: var(--4zd-primary);
  color: var(--4zd-white);
  transform: translateY(-2px);
  box-shadow: var(--st-shadow-sm);
}

.st-button-outline {
  background-color: transparent;
  color: var(--4zd-primary);
  border: 2px solid var(--4zd-primary);
}

.st-button-outline:hover {
  background-color: var(--4zd-primary);
  color: var(--4zd-white);
  transform: translateY(-2px);
  box-shadow: var(--st-shadow-sm);
}

.st-link {
  font-weight: 500;
  color: var(--4zd-primary);
  text-decoration: underline;
}

.st-link:hover {
  color: var(--4zd-secondary);
  text-decoration: none;
}

/* Cards */
.st-card {
  background-color: var(--4zd-white);
  border-radius: var(--st-border-radius-lg);
  padding: var(--st-space-xxl);
  box-shadow: var(--st-shadow-md);
  transition: transform 0.3s ease, box-shadow 0.3s ease;
  display: flex;
  flex-direction: column;
}

.st-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--st-shadow-lg);
}

.st-card-feature {
  text-align: center;
}

.st-icon-wrapper {
  margin-bottom: var(--st-space-md);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: var(--st-space-xxl);
  height: var(--st-space-xxl);
  background-color: rgba(var(--4zd-primary-rgb), 0.1);
  border-radius: var(--st-border-radius-md);
}

.st-icon {
  width: 24px;
  height: 24px;
  stroke: currentColor;
  fill: none;
  color: var(--4zd-primary);
}

.st-icon-large {
  width: var(--st-space-xxl);
  height: var(--st-space-xxl);
  color: var(--4zd-primary);
}

.st-card-service {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: var(--st-space-md);
}

.st-card-service .st-icon {
  color: var(--4zd-primary);
}

.st-check-list {
  list-style: none;
  padding: 0;
  margin-top: var(--st-space-md);
}

.st-check-item {
  display: flex;
  align-items: flex-start;
  gap: var(--st-space-sm);
  margin-bottom: var(--st-space-sm);
  font-size: 1rem;
}

.st-check-item .st-icon {
  width: 20px;
  height: 20px;
  color: var(--4zd-primary);
  flex-shrink: 0;
  margin-top: 4px; /* Align with text */
}

/* Process Cards */
.st-card-process {
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  gap: var(--st-space-md);
  background: var(--4zd-white);
  border-radius: var(--st-border-radius-lg);
  padding: var(--st-space-xl);
  box-shadow: var(--st-shadow-sm);
  position: relative;
  z-index: 1;
}

.st-card-process h3 {
  margin-bottom: 0;
}

.st-process-number {
  font-size: 3.5rem; /* 56px */
  font-weight: 700;
  color: var(--4zd-primary);
  line-height: 1;
  margin-bottom: var(--st-space-sm);
}

/* Editorial Elements */
.st-pullquote {
  font-family: var(--st-font-heading);
  font-size: clamp(1.8rem, 3vw, 2.5rem);
  font-style: italic;
  text-align: center;
  margin: var(--st-space-xxxxl) auto;
  max-width: 800px;
  color: var(--4zd-dark-text);
  position: relative;
  line-height: 1.4;
}

.st-pullquote::before {
  content: '“';
  font-size: 8rem;
  position: absolute;
  top: -40px;
  left: 50%;
  transform: translateX(-50%);
  color: var(--4zd-muted);
  opacity: 0.2;
  z-index: -1;
  line-height: 1;
}

.st-stats {
  display: grid;
  gap: var(--st-space-xl);
  text-align: center;
  padding: var(--st-space-xl) 0;
  border-top: 1px solid rgba(0, 0, 0, 0.1);
  border-bottom: 1px solid rgba(0, 0, 0, 0.1);
}

@media (min-width: 768px) {
  .st-stats {
    grid-template-columns: repeat(auto-fit, minmax(150px, 1fr));
  }
}

.st-stat-item {
  padding: var(--st-space-md);
}

.st-stat-number {
  font-size: clamp(2.5rem, 5vw, 4.5rem); /* 40px to 72px */
  font-weight: 800;
  color: var(--4zd-primary);
  line-height: 1;
  margin-bottom: var(--st-space-sm);
}

.st-stat-label {
  font-size: 1rem;
  font-weight: 500;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--4zd-dark-text);
}

/* Testimonials */
.st-testimonial-grid {
  display: grid;
  gap: var(--st-space-xl);
}

@media (min-width: 768px) {
  .st-testimonial-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (min-width: 1024px) {
  .st-testimonial-grid {
    grid-template-columns: repeat(3, 1fr);
  }
}

.st-testimonial-card {
  background-color: var(--4zd-white);
  border-radius: var(--st-border-radius-lg);
  padding: var(--st-space-xxl);
  box-shadow: var(--st-shadow-md);
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  transition: transform 0.3s ease, box-shadow 0.3s ease;
}

.st-testimonial-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--st-shadow-lg);
}

.st-testimonial-stars {
  color: var(--4zd-accent);
  margin-bottom: var(--st-space-md);
}

.st-testimonial-stars .st-icon {
  width: 20px;
  height: 20px;
  fill: var(--4zd-accent);
  stroke: none;
  margin-right: 2px;
}

.st-testimonial-quote {
  font-size: 1.125rem;
  font-style: italic;
  line-height: 1.6;
  margin-bottom: var(--st-space-xl);
  color: var(--4zd-dark-text);
}

.st-testimonial-author {
  display: flex;
  align-items: center;
  gap: var(--st-space-md);
  margin-top: auto; /* Push to bottom */
}

.st-testimonial-avatar {
  width: var(--st-space-xxl);
  height: var(--st-space-xxl);
  border-radius: 50%;
  object-fit: cover;
  flex-shrink: 0;
}

.st-testimonial-cite {
  font-weight: 600;
  color: var(--4zd-dark-text);
}

.st-testimonial-role {
  font-size: 0.9375rem;
  color: var(--4zd-muted);
}

/* FAQ */
.st-faq-grid {
  display: grid;
  gap: var(--st-space-xl);
}

@media (min-width: 768px) {
  .st-faq-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

.st-faq-item {
  background-color: var(--4zd-white);
  border-radius: var(--st-border-radius-lg);
  box-shadow: var(--st-shadow-sm);
  margin-bottom: var(--st-space-md);
  padding: var(--st-space-lg);
  overflow: hidden;
}

.st-faq-q {
  font-weight: 600;
  font-size: 1.125rem;
  color: var(--4zd-dark-text);
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: var(--st-space-sm);
}

.st-faq-q::after {
  content: '+';
  font-size: 1.5rem;
  transition: transform 0.3s ease;
}

.st-faq-item.active .st-faq-q::after {
  content: '-';
  transform: rotate(180deg);
}

.st-faq-a {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.3s ease-out, padding 0.3s ease-out;
  padding: 0 var(--st-space-sm);
  color: var(--4zd-text);
  line-height: 1.6;
}

.st-faq-item.active .st-faq-a {
  max-height: 500px;
  padding: var(--st-space-md) var(--st-space-sm) 0;
}

/* CTA */
.st-cta {
  background-color: var(--4zd-primary);
  color: var(--4zd-white);
  padding: var(--st-space-xxxxl) 0;
  text-align: center;
}

.st-cta-content h2 {
  color: var(--4zd-white);
  margin-bottom: var(--st-space-md);
}

.st-cta-content p {
  color: var(--4zd-light-text);
  margin-bottom: var(--st-space-xxl);
  font-size: 1.25rem;
}

@media (max-width: 768px) {
  .st-cta {
    padding: var(--st-space-xxxl) 0;
  }
}

/* Forms */
.st-contact-form {
  background-color: var(--4zd-white);
  padding: var(--st-space-xxl);
  border-radius: var(--st-border-radius-lg);
  box-shadow: var(--st-shadow-md);
  max-width: 600px;
  margin: 0 auto;
}

.st-form-group {
  margin-bottom: var(--st-space-md);
}

.st-form-label {
  display: block;
  font-weight: 600;
  margin-bottom: var(--st-space-sm);
  color: var(--4zd-dark-text);
}

.st-form-input,
.st-form-textarea {
  width: 100%;
  padding: var(--st-space-md);
  border: 1px solid var(--4zd-muted);
  border-radius: var(--st-border-radius-md);
  font-size: 1rem;
  color: var(--4zd-dark-text);
  transition: border-color 0.25s cubic-bezier(0.4, 0, 0.2, 1), box-shadow 0.25s cubic-bezier(0.4, 0, 0.2, 1);
}

.st-form-input:focus,
.st-form-textarea:focus {
  outline: none;
  border-color: var(--4zd-primary);
  box-shadow: 0 0 0 3px rgba(var(--4zd-primary-rgb), 0.2);
}

.st-form-textarea {
  min-height: 120px;
  resize: vertical;
}

.st-form-error {
  color: #dc2626; /* red-600 */
  font-size: 0.875rem;
  margin-top: var(--st-space-xs);
}

.st-form-success {
  background-color: #d1fae5; /* green-100 */
  color: #065f46; /* green-700 */
  padding: var(--st-space-md);
  border-radius: var(--st-border-radius-md);
  margin-top: var(--st-space-md);
  text-align: center;
}

/* Footer */
.st-footer {
  background-color: var(--4zd-dark-text);
  color: var(--4zd-light-text);
  padding-top: var(--st-space-xxxxl);
  font-size: 0.9375rem;
}

.st-footer-grid {
  display: grid;
  gap: var(--st-space-xl);
  padding-bottom: var(--st-space-xxxl);
}

@media (min-width: 768px) {
  .st-footer-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (min-width: 1024px) {
  .st-footer-grid {
    grid-template-columns: repeat(4, 1fr);
  }
}

.st-footer-col h3 {
  color: var(--4zd-white);
  margin-bottom: var(--st-space-md);
  font-size: 1.125rem;
}

.st-footer-col p {
  color: var(--4zd-muted);
  line-height: 1.6;
  margin-bottom: var(--st-space-md);
  font-size: 0.9375rem;
}

.st-footer-list {
  list-style: none;
  padding: 0;
}

.st-footer-list li {
  margin-bottom: var(--st-space-sm);
}

.st-footer-link {
  color: var(--4zd-muted);
  text-decoration: none;
  transition: color 0.25s cubic-bezier(0.4, 0, 0.2, 1);
}

.st-footer-link:hover {
  color: var(--4zd-primary);
  text-decoration: underline;
}

.st-footer-address-item {
  display: flex;
  align-items: flex-start;
  gap: var(--st-space-sm);
  margin-bottom: var(--st-space-sm);
  color: var(--4zd-muted);
}

.st-footer-address-item .st-icon {
  width: 18px;
  height: 18px;
  color: var(--4zd-primary);
  flex-shrink: 0;
  margin-top: 2px;
}

.st-footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  padding: var(--st-space-lg) 0;
  text-align: center;
  color: var(--4zd-muted);
  font-size: 0.875rem;
  margin-top: var(--st-space-xxl);
}

.st-social-links a {
  color: var(--4zd-muted);
  margin-right: var(--st-space-md);
}

.st-social-links a:hover {
  color: var(--4zd-primary);
}

/* Animations */
@keyframes fadeInUp {
  from {
    opacity: 0;
    transform: translateY(20px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

.st-animate {
  opacity: 0;
  transform: translateY(20px);
}

.st-animate.is-visible {
  animation: fadeInUp 0.8s ease-out forwards;
}

/* Fintech Glass specific styles */
.fintech-glass-hero {
  background: linear-gradient(135deg, rgba(3, 105, 161, 0.1), rgba(7, 89, 133, 0.1)), url('https://dummyimage.com/1200x800/dbeafe/1e293b&text=local-business-realism%20illustration-panel%202') no-repeat center center/cover;
  background-size: cover;
  background-blend-mode: multiply;
  position: relative;
  min-height: 85vh;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: var(--st-space-xxxxl) 0;
}

.fintech-glass-hero::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background: linear-gradient(135deg, rgba(3, 105, 161, 0.8), rgba(7, 89, 133, 0.85));
  z-index: 1;
}

.fintech-glass-hero .st-hero-content {
  position: relative;
  z-index: 2;
  background: rgba(255, 255, 255, 0.15);
  backdrop-filter: blur(10px);
  border: 1px solid rgba(255, 255, 255, 0.2);
  border-radius: var(--st-border-radius-xl);
  padding: var(--st-space-xxxxl);
  box-shadow: 0 8px 32px 0 rgba(0, 0, 0, 0.2);
  text-align: center;
  max-width: 900px;
}

.fintech-glass-hero .st-hero-content .st-h1,
.fintech-glass-hero .st-hero-content .st-hero-subtitle {
  color: var(--4zd-white);
}

.fintech-glass-card {
  background: rgba(255, 255, 255, 0.1);
  backdrop-filter: blur(8px);
  border: 1px solid rgba(255, 255, 255, 0.15);
  border-radius: var(--st-border-radius-xl);
  padding: var(--st-space-xxl);
  box-shadow: 0 4px 10px rgba(0, 0, 0, 0.05);
  transition: transform 0.3s ease, box-shadow 0.3s ease;
}

.fintech-glass-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 8px 20px rgba(0, 0, 0, 0.1);
}

.fintech-stat-strip {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
  gap: var(--st-space-md);
  background-color: var(--4zd-white);
  padding: var(--st-space-xl) var(--st-space-lg);
  border-radius: var(--st-border-radius-lg);
  box-shadow: var(--st-shadow-md);
  margin-top: calc(-1 * var(--st-space-xxxxl)); /* Pull up into hero */
  position: relative;
  z-index: 5;
  text-align: center;
}

.fintech-stat-item {
  padding: var(--st-space-sm);
  border-right: 1px solid var(--4zd-background);
}

.fintech-stat-item:last-child {
  border-right: none;
}

@media (max-width: 768px) {
  .fintech-stat-item {
    border-right: none;
    border-bottom: 1px solid var(--4zd-background);
  }
  .fintech-stat-item:last-child {
    border-bottom: none;
  }
}

.fintech-stat-number {
  font-size: 2.5rem;
  font-weight: 700;
  color: var(--4zd-primary);
}

.fintech-stat-label {
  font-size: 0.9rem;
  font-weight: 500;
  color: var(--4zd-dark-text);
  margin-top: var(--st-space-xs);
}

.st-button-glass-outline {
  background: transparent;
  color: var(--4zd-white);
  border: 1px solid rgba(255, 255, 255, 0.5);
  backdrop-filter: blur(5px);
}

.st-button-glass-outline:hover {
  background: rgba(255, 255, 255, 0.1);
  border-color: var(--4zd-white);
  transform: translateY(-2px);
  box-shadow: 0 4px 10px rgba(0, 0, 0, 0.1);
}

.st-button-gradient {
  background: linear-gradient(45deg, var(--4zd-primary), var(--4zd-secondary));
  color: var(--4zd-white);
  border: none;
}

.st-button-gradient:hover {
  background: linear-gradient(45deg, var(--4zd-secondary), var(--4zd-primary));
  transform: translateY(-2px);
  box-shadow: var(--st-shadow-md);
}

/* Specific to Topic & Design Mood */
.st-rating .st-icon {
  fill: var(--4zd-accent);
  stroke: none;
}

.st-comparison-table {
  width: 100%;
  border-collapse: collapse;
  margin-top: var(--st-space-xl);
  background-color: var(--4zd-white);
  border-radius: var(--st-border-radius-md);
  overflow: hidden;
  box-shadow: var(--st-shadow-md);
}

.st-comparison-table th,
.st-comparison-table td {
  padding: var(--st-space-md) var(--st-space-lg);
  text-align: left;
  border-bottom: 1px solid var(--4zd-background);
}

.st-comparison-table th {
  background-color: var(--4zd-primary);
  color: var(--4zd-white);
  font-weight: 600;
  text-transform: uppercase;
  font-size: 0.875rem;
}

.st-comparison-table tr:nth-child(even) {
  background-color: #f8fbff;
}

.st-comparison-table tr:hover {
  background-color: #e6f0f8;
}

.st-comparison-table .st-icon-check {
  color: green; /* Specific check icon color for comparison */
}

.st-comparison-table .st-icon-x {
  color: red; /* Specific x icon color for comparison */
}

.st-process-timeline {
  display: flex;
  flex-direction: column;
  position: relative;
  padding-left: var(--st-space-md);
}

.st-process-timeline::before {
  content: '';
  position: absolute;
  left: var(--st-space-sm);
  top: 0;
  bottom: 0;
  width: 2px;
  background-color: var(--4zd-primary);
  z-index: 0;
}

.st-process-step {
  display: flex;
  margin-bottom: var(--st-space-xxl);
  position: relative;
}

.st-process-step-icon {
  width: var(--st-space-xxl);
  height: var(--st-space-xxl);
  background-color: var(--4zd-primary);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--4zd-white);
  font-weight: 700;
  font-size: 1.25rem;
  position: absolute;
  left: -24px;
  top: 0;
  z-index: 1;
}

.st-process-content {
  margin-left: var(--st-space-xxl);
  background-color: var(--4zd-white);
  padding: var(--st-space-lg);
  border-radius: var(--st-border-radius-md);
  box-shadow: var(--st-shadow-sm);
  width: 100%;
}

.st-process-content h3 {
  color: var(--4zd-dark-text);
  margin-bottom: var(--st-space-sm);
}

.st-badge-row {
  display: flex;
  justify-content: center;
  gap: var(--st-space-xl);
  flex-wrap: wrap;
  margin-top: var(--st-space-xl);
}

.st-badge-item {
  display: inline-flex;
  align-items: center;
  gap: var(--st-space-sm);
  background-color: var(--4zd-white);
  padding: var(--st-space-md) var(--st-space-lg);
  border-radius: var(--st-border-radius-lg);
  box-shadow: var(--st-shadow-sm);
  font-weight: 500;
  color: var(--4zd-dark-text);
}

.st-badge-item .st-icon {
  width: 20px;
  height: 20px;
  color: var(--4zd-primary);
}

.st-glass-container {
  background: rgba(255, 255, 255, 0.05);
  backdrop-filter: blur(10px);
  border: 1px solid rgba(255, 255, 255, 0.1);
  border-radius: var(--st-border-radius-xl);
  padding: var(--st-space-xxxl);
  box-shadow: 0 8px 32px 0 rgba(0, 0, 0, 0.1);
  color: var(--4zd-light-text);
}

.st-glass-container h2 {
  color: var(--4zd-white);
}

.st-glass-container p {
  color: var(--4zd-light-text);
}

.st-cta-band-glass {
  background: linear-gradient(135deg, rgba(3, 105, 161, 0.9), rgba(7, 89, 133, 0.95));
  color: var(--4zd-white);
  padding: var(--st-space-xxxxl) 0;
  text-align: center;
}

.st-cta-band-glass h2 {
  color: var(--4zd-white);
  margin-bottom: var(--st-space-md);
}

.st-cta-band-glass p {
  color: var(--4zd-light-text);
  margin-bottom: var(--st-space-xxl);
  font-size: 1.25rem;
}

/* Fintech tables specific styling */
.st-comparison-table th, .st-comparison-table td {
  padding: var(--st-space-md) var(--st-space-lg);
  border-right: 1px solid rgba(0,0,0,0.05);
}
.st-comparison-table th:last-child, .st-comparison-table td:last-child {
  border-right: none;
}

/* Calculator styling */
.st-calculator {
  display: flex;
  flex-wrap: wrap;
  gap: var(--st-space-xl);
  background-color: var(--4zd-white);
  padding: var(--st-space-xxxl);
  border-radius: var(--st-border-radius-xl);
  box-shadow: var(--st-shadow-lg);
}

.st-calculator-inputs {
  flex: 1;
  min-width: 300px;
}

.st-calculator-result {
  flex: 1;
  min-width: 300px;
  background: linear-gradient(45deg, var(--4zd-primary), var(--4zd-secondary));
  color: var(--4zd-white);
  border-radius: var(--st-border-radius-lg);
  padding: var(--st-space-xxxl);
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  text-align: center;
}

.st-calculator-result-number {
  font-size: clamp(3rem, 6vw, 5rem);
  font-weight: 800;
  line-height: 1;
  margin-bottom: var(--st-space-sm);
}

.st-calculator-result-label {
  font-size: 1.25rem;
  font-weight: 500;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

.st-input-range {
  width: 100%;
  -webkit-appearance: none;
  appearance: none;
  height: 8px;
  background: var(--4zd-muted);
  outline: none;
  opacity: 0.7;
  transition: opacity 0.2s;
  border-radius: 4px;
}

.st-input-range::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: var(--4zd-primary);
  cursor: grab;
  box-shadow: 0 0 0 3px rgba(var(--4zd-primary-rgb), 0.2);
}

.st-input-range::-moz-range-thumb {
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: var(--4zd-primary);
  cursor: grab;
  box-shadow: 0 0 0 3px rgba(var(--4zd-primary-rgb), 0.2);
}

.st-input-range:hover {
  opacity: 1;
}

.st-tabs-container {
  margin-top: var(--st-space-xl);
}

.st-tabs-nav {
  display: flex;
  border-bottom: 2px solid var(--4zd-background);
  margin-bottom: var(--st-space-xl);
  overflow-x: auto;
  -webkit-overflow-scrolling: touch;
  scroll-behavior: smooth;
}

.st-tab-button {
  padding: var(--st-space-md) var(--st-space-lg);
  font-size: 1.125rem;
  font-weight: 600;
  color: var(--4zd-muted);
  cursor: pointer;
  border: none;
  background: transparent;
  position: relative;
  transition: color 0.3s ease;
  white-space: nowrap;
}

.st-tab-button.active {
  color: var(--4zd-primary);
}

.st-tab-button.active::after {
  content: '';
  position: absolute;
  bottom: -2px;
  left: 0;
  width: 100%;
  height: 2px;
  background-color: var(--4zd-primary);
}

.st-tab-button:hover {
  color: var(--4zd-primary);
}

.st-tab-content {
  display: none;
  animation: fadeInUp 0.5s ease-out forwards;
}

.st-tab-content.active {
  display: block;
}

.st-tab-content-grid {
  display: flex;
  gap: var(--st-space-xxl);
  align-items: center;
  flex-wrap: wrap;
}

.st-tab-content-image {
  flex: 1;
  max-width: 400px;
  border-radius: var(--st-border-radius-lg);
  overflow: hidden;
  box-shadow: var(--st-shadow-md);
}

.st-tab-content-image img {
  width: 100%;
  height: auto;
}

.st-tab-content-text {
  flex: 2;
  min-width: 300px;
}

@media (max-width: 768px) {
  .st-tab-content-grid {
    flex-direction: column;
    text-align: center;
  }
  .st-tab-content-image {
    max-width: 100%;
  }
}

/* Fintech Compliance and Security Badges */
.st-security-badges {
  display: flex;
  justify-content: center;
  flex-wrap: wrap;
  gap: var(--st-space-xl);
  margin-top: var(--st-space-xxxl);
  padding: var(--st-space-lg);
  background-color: var(--4zd-white);
  border-radius: var(--st-border-radius-xl);
  box-shadow: var(--st-shadow-md);
}

.st-security-badge-item {
  display: flex;
  align-items: center;
  gap: var(--st-space-sm);
  font-weight: 500;
  color: var(--4zd-dark-text);
}

.st-security-badge-item .st-icon {
  width: 24px;
  height: 24px;
  color: var(--4zd-primary);
}


/* === Quality polish === */
.st-card, [class*="st-card"] { transition: transform 0.3s ease, box-shadow 0.3s ease, border-color 0.2s ease; }
.st-card:hover, [class*="st-card"]:hover { transform: translateY(-4px); box-shadow: 0 16px 40px rgba(0,0,0,0.16); }

/* FAQ collapsed-by-default — hard fallback (any language, any topic) */
.st-faq-a, [class*="faq-a"], [class*="faq-answer"] { display: none !important; max-height: 0; overflow: hidden; padding: 0 22px; transition: none; }
.st-faq-item.active .st-faq-a, [class*="faq-item"].active [class*="faq-a"], [class*="faq-item"].active [class*="faq-answer"] { display: block !important; max-height: none !important; padding: 0 22px 18px; }
.st-faq-q, [class*="faq-q"], [class*="faq-question"] { cursor: pointer; user-select: none; }
.st-faq-q *, [class*="faq-q"] * { pointer-events: none; }

/* === PREMIUM SCAFFOLD (class-contract baseline) === */
/* Layout */
.st-container { max-width: 1200px; margin: 0 auto; padding: 0 24px; }
.st-section { padding: 96px 0; background: #f0f9ff; }
.st-section-alt { padding: 96px 0; background: color-mix(in srgb, #0369a1 4%, #f0f9ff); }
.st-grid { display: grid; gap: 32px; }
.st-grid-2 { display: grid; gap: 32px; grid-template-columns: repeat(auto-fit, minmax(320px, 1fr)); }
.st-grid-3 { display: grid; gap: 32px; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); }
.st-grid-4 { display: grid; gap: 24px; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); }
.st-text-center { text-align: center; }
/* Header / Nav */
.st-header { position: sticky; top: 0; z-index: 50; background: rgba(255,255,255,0.94); backdrop-filter: saturate(180%) blur(12px); border-bottom: 1px solid color-mix(in srgb, #0c4a6e 8%, transparent); }
.st-header > .st-container, .st-header .st-container { display: flex; align-items: center; gap: 32px; padding-top: 12px; padding-bottom: 12px; min-height: 64px; }
.st-brand, .st-logo { display: inline-flex; align-items: center; gap: 10px; font-family: Poppins; font-weight: 700; font-size: 1.05rem; line-height: 1; color: #0369a1; letter-spacing: -0.015em; text-decoration: none; flex-shrink: 0; max-width: 220px; margin-right: 24px; }
.st-brand-mark { display: inline-flex; color: #0369a1; flex-shrink: 0; }
.st-brand-mark svg { display: block; width: 24px; height: 24px; }
.st-brand-name { white-space: nowrap; overflow: hidden; text-overflow: ellipsis; padding-left: 2px; }
.st-nav-list, .st-nav-links { display: flex; gap: 28px; list-style: none; margin: 0 0 0 auto; padding: 0; align-items: center; }
.st-nav-link { color: #0c4a6e; font-weight: 500; font-size: 0.95rem; padding: 6px 0; position: relative; text-decoration: none; }
.st-nav-link + .st-nav-link { margin-left: 0; }
.st-nav-link:hover { color: #0369a1; }
.st-mobile-toggle { display: none; background: none; border: 0; padding: 6px; cursor: pointer; margin-left: auto; font-size: 1.4rem; line-height: 1; }
/* Hero */
.st-hero { padding: 112px 0 96px; background: radial-gradient(circle at 82% 18%, color-mix(in srgb, #0369a1 12%, transparent), transparent 34%), linear-gradient(180deg, color-mix(in srgb, #0369a1 7%, #f0f9ff) 0%, #f0f9ff 100%); position: relative; overflow: hidden; }
/* Hero hardening — kill AI-generated giant ghost/background text & accidental absolute-positioned mockups */
.st-hero [class*="ghost"], .st-hero [class*="bg-text"], .st-hero [class*="watermark"], .st-hero [class*="hero-bg"], .st-hero [aria-hidden="true"][class*="text"], .st-hero [data-decorative="true"] { display: none !important; }
.st-hero .st-hero-image, .st-hero .st-dashboard-mockup { position: relative !important; }
.st-hero .st-hero-image { max-width: 100%; }
.st-hero .st-hero-image > * { max-width: 100%; }
.st-hero .st-stats { position: static !important; }
.st-hero > .st-container { max-width: 1200px; }
.st-hero h1, .st-hero .st-h1 { font-family: Poppins; font-size: clamp(2.75rem, 5.2vw, 4.75rem); line-height: 1.04; letter-spacing: -0.025em; font-weight: 800; color: #0c4a6e; margin: 0; max-width: 720px; width: 100%; text-wrap: balance; word-break: normal; overflow-wrap: break-word; hyphens: none; }
.st-hero p, .st-hero .st-hero-sub, .st-hero .st-hero-subtitle { font-size: clamp(1.125rem, 1.5vw, 1.3rem); line-height: 1.7; color: #7dd3fc; max-width: 48ch; margin: 0; }
.st-hero-content { display: grid; grid-template-columns: minmax(0, 1fr) minmax(360px, 0.92fr); gap: 72px; align-items: center; }
.st-hero-text { display: flex; flex-direction: column; gap: 24px; align-items: flex-start; }
.st-hero-actions { display: flex; gap: 16px; flex-wrap: wrap; align-items: center; }
.st-hero-image { position: relative; }
.st-hero-image::before { content: ''; position: absolute; inset: 22px -18px -18px 22px; border-radius: 24px; background: color-mix(in srgb, #0369a1 12%, transparent); z-index: 0; }
.st-hero-image img { position: relative; z-index: 1; width: 100%; aspect-ratio: 4 / 3; object-fit: cover; border-radius: 24px; box-shadow: 0 36px 90px -34px rgba(0,0,0,0.42), 0 2px 10px rgba(0,0,0,0.08); }
.st-hero-subtitle { font-size: 1.25rem; line-height: 1.6; color: #7dd3fc; max-width: 60ch; }
.st-h1 { font-family: Poppins; font-size: clamp(2.5rem, 5vw, 4.25rem); line-height: 1.05; letter-spacing: -0.02em; font-weight: 800; color: #0c4a6e; margin: 0; }
.st-h2 { font-family: Poppins; font-size: clamp(2rem, 3.5vw, 3rem); line-height: 1.15; letter-spacing: -0.015em; font-weight: 700; color: #0c4a6e; margin: 0 0 24px; }
.st-h3 { font-family: Poppins; font-size: 1.5rem; line-height: 1.3; font-weight: 700; color: #0c4a6e; margin: 0 0 12px; }
.st-subheading { font-size: 1.125rem; line-height: 1.7; color: #7dd3fc; max-width: 720px; margin: 0 auto 64px; }
/* Buttons */
.st-button { display: inline-flex; align-items: center; gap: 8px; padding: 14px 28px; border-radius: 10px; font-weight: 600; font-size: 1rem; text-decoration: none; cursor: pointer; border: 2px solid transparent; transition: all 0.25s cubic-bezier(0.4,0,0.2,1); white-space: nowrap; line-height: 1; }
.st-button-primary { background: #0369a1; color: #fff; border-color: #0369a1; }
.st-button-primary:hover { background: #075985; border-color: #075985; color: #fff; transform: translateY(-2px); box-shadow: 0 12px 24px -8px color-mix(in srgb, #0369a1 50%, transparent); }
.st-button-secondary { background: #075985; color: #fff; border-color: #075985; }
.st-button-secondary:hover { transform: translateY(-2px); filter: brightness(1.05); color: #fff; }
.st-button-outline { background: transparent; color: #0369a1; border-color: #0369a1; }
.st-button-outline:hover { background: #0369a1; color: #fff; }
.st-link { color: #0369a1; font-weight: 600; display: inline-flex; align-items: center; gap: 6px; }
.st-link:hover { gap: 10px; }
/* Cards */
.st-card { background: #fff; border: 1px solid color-mix(in srgb, #0c4a6e 6%, transparent); border-radius: 14px; padding: 32px; transition: transform 0.3s ease, box-shadow 0.3s ease; box-shadow: 0 4px 20px rgba(0,0,0,0.04), 0 1px 3px rgba(0,0,0,0.06); display: flex; flex-direction: column; gap: 16px; }
.st-card:hover { transform: translateY(-4px); box-shadow: 0 24px 48px -16px rgba(0,0,0,0.12), 0 4px 12px rgba(0,0,0,0.06); }
.st-card-feature, .st-card-service, .st-card-process { text-align: left; }
/* Icons */
.st-icon-wrapper { display: inline-flex; align-items: center; justify-content: center; width: 56px; height: 56px; border-radius: 12px; background: color-mix(in srgb, #0369a1 10%, transparent); color: #0369a1; }
.st-icon-wrapper svg, .st-icon-wrapper .st-icon { width: 28px; height: 28px; stroke: #0369a1; }
.st-icon { width: 20px; height: 20px; stroke: currentColor; flex-shrink: 0; }
.st-icon-large { width: 48px; height: 48px; stroke: #0369a1; }
/* Check list */
.st-check-list { list-style: none; padding: 0; margin: 0; display: flex; flex-direction: column; gap: 16px; }
.st-check-item { display: flex; align-items: flex-start; gap: 12px; line-height: 1.6; }
.st-check-item .st-icon { color: #0369a1; margin-top: 4px; }
/* Editorial */
.st-pullquote { font-family: Poppins; font-style: italic; font-size: clamp(1.5rem, 2.5vw, 2.25rem); line-height: 1.4; color: #0c4a6e; max-width: 900px; margin: 64px auto; padding: 0 32px; position: relative; text-align: center; }
.st-pullquote::before { content: '"'; font-size: 6rem; line-height: 0.8; color: #0369a1; opacity: 0.3; position: absolute; left: 0; top: -16px; }
.st-stats { display: grid; grid-template-columns: repeat(auto-fit, minmax(180px, 1fr)); gap: 48px; padding: 64px 0; }
.st-stat-item { text-align: center; }
.st-stat-number { display: block; font-family: Poppins; font-size: clamp(3rem, 5vw, 4.5rem); font-weight: 800; color: #0369a1; line-height: 1; letter-spacing: -0.03em; }
.st-stat-label { display: block; margin-top: 12px; font-size: 0.875rem; font-weight: 600; text-transform: uppercase; letter-spacing: 0.08em; color: #7dd3fc; }
/* Testimonials */
.st-testimonial-grid { display: grid; gap: 32px; grid-template-columns: repeat(auto-fit, minmax(300px, 1fr)); }
.st-testimonial-card { background: #fff; padding: 32px; border-radius: 14px; box-shadow: 0 4px 20px rgba(0,0,0,0.04); border: 1px solid color-mix(in srgb, #0c4a6e 6%, transparent); }
.st-testimonial-quote { font-style: italic; line-height: 1.7; color: #0c4a6e; margin-bottom: 16px; }
.st-testimonial-cite { font-weight: 600; color: #0369a1; font-size: 0.95rem; }
.st-testimonial-stars { color: #d97706; margin-bottom: 12px; }
/* FAQ */
.st-faq { display: flex; flex-direction: column; gap: 12px; max-width: 820px; margin: 0 auto; }
.st-faq-item { background: #fff; border: 1px solid color-mix(in srgb, #0c4a6e 8%, transparent); border-radius: 12px; overflow: hidden; transition: box-shadow 0.2s ease; }
.st-faq-item:hover { box-shadow: 0 4px 16px rgba(0,0,0,0.06); }
.st-faq-q { padding: 20px 24px; cursor: pointer; user-select: none; font-weight: 600; color: #0c4a6e; display: flex; justify-content: space-between; align-items: center; gap: 16px; }
.st-faq-q::after { content: '+'; font-size: 1.5rem; color: #0369a1; transition: transform 0.3s ease; flex-shrink: 0; }
.st-faq-item.active .st-faq-q::after { transform: rotate(45deg); }
/* CTA */
.st-cta { padding: 96px 0; background: linear-gradient(135deg, #0369a1 0%, #075985 100%); color: #fff; text-align: center; }
.st-cta .st-h2, .st-cta h2 { color: #fff; }
.st-cta-content { max-width: 720px; margin: 0 auto; display: flex; flex-direction: column; gap: 24px; align-items: center; }
.st-cta .st-button-primary { background: #fff; color: #0369a1; border-color: #fff; }
.st-cta .st-button-primary:hover { background: #f0f9ff; color: #0369a1; }
/* Form */
.st-form, .st-contact-form { display: flex; flex-direction: column; gap: 20px; width: min(100%, 680px); margin: 32px auto 0; background: #fff; padding: 44px; border-radius: 24px; border: 1px solid color-mix(in srgb, #0c4a6e 7%, transparent); box-shadow: 0 30px 80px -34px rgba(0,0,0,0.32), 0 10px 28px -18px color-mix(in srgb, #0369a1 40%, transparent); text-align: left; color: #0c4a6e; }
.st-form-row { display: grid; gap: 20px; grid-template-columns: 1fr 1fr; }
@media (max-width: 600px) { .st-form-row { grid-template-columns: 1fr; } }
.st-form-group { display: flex; flex-direction: column; gap: 8px; }
.st-form-label, .st-form label { font-weight: 600; font-size: 0.9rem; color: #0c4a6e; letter-spacing: 0.01em; }
.st-form-input, .st-form-textarea, .st-form input:not([type="submit"]), .st-form textarea, .st-form select { padding: 15px 16px; border: 1.5px solid color-mix(in srgb, #0c4a6e 12%, transparent); border-radius: 12px; font-size: 1rem; font-family: inherit; background: color-mix(in srgb, #0369a1 2%, #fff); color: #0c4a6e; transition: border-color 0.2s ease, box-shadow 0.2s ease, background 0.2s ease; width: 100%; box-sizing: border-box; }
.st-form-input:hover, .st-form-textarea:hover { border-color: color-mix(in srgb, #0369a1 35%, transparent); }
.st-form-input:focus, .st-form-textarea:focus, .st-form input:focus, .st-form textarea:focus { outline: none; border-color: #0369a1; box-shadow: 0 0 0 4px color-mix(in srgb, #0369a1 18%, transparent); }
.st-form-textarea, .st-form textarea { min-height: 140px; resize: vertical; }
/* Form messages — HIDDEN BY DEFAULT, only shown when JS adds .is-visible or removes [hidden] */
.st-form-error, [class*="form-error"], [class*="form-message-error"] { display: none; color: #dc2626; font-size: 0.875rem; padding: 10px 12px; background: color-mix(in srgb, #dc2626 8%, transparent); border-radius: 8px; }
.st-form-success, [class*="form-success"], [class*="form-message-success"] { display: none; color: #047857; font-weight: 600; padding: 12px 14px; background: color-mix(in srgb, #059669 10%, transparent); border-radius: 8px; }
.st-form-error[hidden], .st-form-success[hidden], [class*="form-error"][hidden], [class*="form-success"][hidden] { display: none !important; }
.st-form-error.is-visible, .st-form-success.is-visible { display: block; }
.st-cta .st-form, .st-cta .st-contact-form { color: #0c4a6e; }
.st-cta .st-form button[type="submit"], .st-cta .st-contact-form button[type="submit"] { background: #0369a1; color: #fff; border-color: #0369a1; }
/* Footer */
.st-footer { background: #0c4a6e; color: color-mix(in srgb, #fff 80%, transparent); padding: 96px 0 32px; }
.st-footer .st-h3, .st-footer h3, .st-footer h4 { color: #fff; font-family: Poppins; font-size: 1rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.08em; margin-bottom: 20px; }
.st-footer .st-logo { color: #fff; }
.st-footer-grid { display: grid; gap: 48px; grid-template-columns: repeat(auto-fit, minmax(200px, 1fr)); margin-bottom: 64px; }
.st-footer-col { display: flex; flex-direction: column; gap: 12px; }
.st-footer-list { list-style: none; padding: 0; margin: 0; display: flex; flex-direction: column; gap: 10px; }
.st-footer-link { color: color-mix(in srgb, #fff 70%, transparent); font-size: 0.95rem; }
.st-footer-link:hover { color: #fff; }
.st-footer-bottom { padding-top: 32px; border-top: 1px solid color-mix(in srgb, #fff 12%, transparent); font-size: 0.875rem; color: color-mix(in srgb, #fff 60%, transparent); text-align: center; }
.st-social-links { display: flex; gap: 16px; }
.st-social-links a { color: color-mix(in srgb, #fff 70%, transparent); }
.st-social-links a:hover { color: #fff; }
/* Responsive */
@media (max-width: 900px) {
  .st-hero { padding: 80px 0 64px; }
  .st-hero-content { grid-template-columns: 1fr; gap: 40px; }
  .st-section, .st-section-alt { padding: 64px 0; }
  .st-cta { padding: 64px 0; }
  .st-footer { padding: 64px 0 24px; }
}
@media (max-width: 720px) {
  .st-nav-list { display: none; }
  .st-mobile-toggle { display: inline-flex; }
  .st-nav.active .st-nav-list, .st-header.active .st-nav-list, .st-nav-list.active, .st-nav-links.active { display: flex; flex-direction: column; position: absolute; top: 100%; left: 0; right: 0; background: #fff; padding: 24px; gap: 16px; box-shadow: 0 8px 24px rgba(0,0,0,0.08); }
  .st-card { padding: 24px; }
  .st-form, .st-contact-form { padding: 28px; border-radius: 18px; }
}

/* === STYLE FAMILY: fintech_glass === */
.st-hero { background: linear-gradient(135deg, color-mix(in srgb, #0369a1 14%, #f0f9ff) 0%, color-mix(in srgb, #d97706 14%, #f0f9ff) 100%); padding: 120px 0 96px; }
.st-card { background: rgba(255,255,255,0.6); backdrop-filter: blur(14px); -webkit-backdrop-filter: blur(14px); border: 1px solid rgba(255,255,255,0.5); border-radius: 14px; box-shadow: 0 8px 32px rgba(31,38,135,0.08); }
.st-button-primary { background: linear-gradient(135deg, #0369a1 0%, #d97706 100%); color: #fff; border-radius: 10px; }
.st-stats { backdrop-filter: blur(14px); background: rgba(255,255,255,0.5); border-radius: 16px; padding: 32px; }