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

:root {
    --gold: #b8933a;
    --gold-light: #d4aa55;
    --gold-pale: #f5edd8;
    --gold-bg: #fdf9f0;
    --white: #ffffff;
    --off-white: #fafaf8;
    --text: #1a1714;
    --text-2: #4a4540;
    --text-3: #8a8078;
    --border: #e8e0d0;
    --shadow-sm: 0 2px 8px rgba(0,0,0,0.06);
    --shadow-md: 0 8px 32px rgba(0,0,0,0.10);
    --shadow-lg: 0 24px 64px rgba(0,0,0,0.12);
    --radius: 16px;
    --radius-sm: 10px;
}

html { scroll-behavior: smooth; }

body {
    font-family: 'DM Sans', sans-serif;
    background: var(--white);
    color: var(--text);
    line-height: 1.6;
    overflow-x: hidden;
}

/* ── Typography ── */
.highlight {
    color: var(--gold);
    position: relative;
}

/* ── Navbar ── */
.navbar {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    z-index: 1000;
    background: rgba(255,255,255,0.9);
    backdrop-filter: blur(12px);
    border-bottom: 1px solid transparent;
    transition: all 0.3s ease;
}

.navbar.scrolled {
    border-bottom-color: var(--border);
    box-shadow: var(--shadow-sm);
}

.nav-container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 32px;
    height: 72px;
    display: flex;
    align-items: center;
    gap: 40px;
}

.nav-logo {
    font-family: 'Playfair Display', serif;
    font-size: 24px;
    font-weight: 800;
    color: var(--gold);
    text-decoration: none;
    letter-spacing: -0.5px;
    flex-shrink: 0;
}

.nav-links {
    display: flex;
    align-items: center;
    gap: 32px;
    flex: 1;
}

.nav-links a {
    font-size: 15px;
    font-weight: 500;
    color: var(--text-2);
    text-decoration: none;
    transition: color 0.2s;
}

.nav-links a:hover { color: var(--gold); }

.nav-cta {
    display: flex;
    align-items: center;
    gap: 12px;
    flex-shrink: 0;
}

.btn-nav-outline {
    padding: 9px 20px;
    border: 1.5px solid var(--border);
    border-radius: 8px;
    font-size: 14px;
    font-weight: 600;
    color: var(--text);
    text-decoration: none;
    transition: all 0.2s;
    display: flex;
    align-items: center;
    gap: 6px;
}

.btn-nav-outline:hover {
    border-color: var(--gold);
    color: var(--gold);
}

.btn-nav-solid {
    padding: 9px 20px;
    background: var(--gold);
    border-radius: 8px;
    font-size: 14px;
    font-weight: 600;
    color: #fff;
    text-decoration: none;
    transition: background 0.2s;
}

.btn-nav-solid:hover { background: var(--gold-light); }

.nav-hamburger {
    display: none;
    background: none;
    border: none;
    font-size: 24px;
    color: var(--text);
    cursor: pointer;
    margin-left: auto;
}

.nav-mobile {
    display: none;
    flex-direction: column;
    padding: 16px 24px 24px;
    border-top: 1px solid var(--border);
    gap: 4px;
}

.nav-mobile.open { display: flex; }

.nav-mobile a {
    padding: 12px 0;
    font-size: 16px;
    font-weight: 500;
    color: var(--text-2);
    text-decoration: none;
    border-bottom: 1px solid var(--border);
}

.nav-mobile a:last-child { border-bottom: none; }

.nav-mobile .mobile-cta {
    margin-top: 12px;
    padding: 14px;
    background: var(--gold);
    color: #fff;
    text-align: center;
    border-radius: 10px;
    border-bottom: none;
    font-weight: 600;
}

.nav-mobile .mobile-cta-outline {
    margin-top: 8px;
    padding: 14px;
    border: 1.5px solid var(--border);
    text-align: center;
    border-radius: 10px;
    color: var(--text);
    font-weight: 600;
}

/* ── Hero ── */
.hero {
    padding: 140px 0 80px;
    background: var(--gold-bg);
    position: relative;
    overflow: hidden;
}

.hero::before {
    content: '';
    position: absolute;
    top: -100px;
    right: -100px;
    width: 600px;
    height: 600px;
    background: radial-gradient(circle, rgba(184,147,58,0.08) 0%, transparent 70%);
    pointer-events: none;
}

.hero-container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 32px;
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 64px;
    align-items: center;
}

.hero-badge {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    background: var(--gold-pale);
    color: var(--gold);
    font-size: 13px;
    font-weight: 600;
    padding: 6px 14px;
    border-radius: 20px;
    border: 1px solid rgba(184,147,58,0.2);
    margin-bottom: 24px;
}

.hero-title {
    font-family: 'Playfair Display', serif;
    font-size: clamp(36px, 4vw, 56px);
    font-weight: 800;
    line-height: 1.15;
    letter-spacing: -1px;
    color: var(--text);
    margin-bottom: 20px;
}

.hero-subtitle {
    font-size: 17px;
    color: var(--text-2);
    line-height: 1.7;
    margin-bottom: 36px;
    max-width: 480px;
}

.hero-actions {
    display: flex;
    align-items: center;
    gap: 16px;
    margin-bottom: 40px;
    flex-wrap: wrap;
}

.btn-hero-primary {
    padding: 15px 32px;
    background: var(--gold);
    color: #fff;
    border-radius: 10px;
    font-size: 16px;
    font-weight: 600;
    text-decoration: none;
    display: inline-flex;
    align-items: center;
    gap: 8px;
    transition: all 0.2s;
    box-shadow: 0 4px 20px rgba(184,147,58,0.3);
}

.btn-hero-primary:hover {
    background: var(--gold-light);
    transform: translateY(-1px);
    box-shadow: 0 6px 24px rgba(184,147,58,0.4);
}

.btn-hero-secondary {
    padding: 15px 32px;
    background: transparent;
    color: var(--text);
    border: 1.5px solid var(--border);
    border-radius: 10px;
    font-size: 16px;
    font-weight: 600;
    text-decoration: none;
    transition: all 0.2s;
}

.btn-hero-secondary:hover {
    border-color: var(--gold);
    color: var(--gold);
}

.hero-trust {
    display: flex;
    align-items: center;
    gap: 24px;
    flex-wrap: wrap;
}

.trust-item {
    display: flex;
    align-items: center;
    gap: 6px;
    font-size: 13px;
    font-weight: 500;
    color: var(--text-3);
}

.trust-item i { color: var(--gold); font-size: 15px; }

/* ── Phone Mockup ── */
.hero-visual {
    position: relative;
    display: flex;
    justify-content: center;
    align-items: center;
}

.phone-mockup {
    width: 280px;
    height: 560px;
    background: var(--white);
    border-radius: 40px;
    box-shadow: var(--shadow-lg), 0 0 0 8px #e8e0d0, 0 0 0 10px #d4aa55;
    position: relative;
    z-index: 2;
    overflow: hidden;
    animation: float 6s ease-in-out infinite;
}

@keyframes float {
    0%, 100% { transform: translateY(0px); }
    50% { transform: translateY(-16px); }
}

.phone-notch {
    position: absolute;
    top: 0;
    left: 50%;
    transform: translateX(-50%);
    width: 100px;
    height: 28px;
    background: var(--white);
    border-radius: 0 0 20px 20px;
    z-index: 10;
}

.phone-screen {
    padding: 36px 16px 16px;
    height: 100%;
    background: var(--gold-bg);
    overflow: hidden;
}

.phone-topbar {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 16px;
}

.phone-logo {
    font-family: 'Playfair Display', serif;
    font-size: 16px;
    font-weight: 800;
    color: var(--gold);
}

.phone-time {
    font-size: 12px;
    color: var(--text-3);
    font-weight: 600;
}

.phone-balance-card {
    background: var(--gold);
    border-radius: 14px;
    padding: 16px;
    margin-bottom: 12px;
    color: #fff;
}

.phone-balance-label {
    font-size: 10px;
    opacity: 0.85;
    margin-bottom: 4px;
    font-weight: 500;
}

.phone-balance-amount {
    font-size: 24px;
    font-weight: 700;
    letter-spacing: -0.5px;
    margin-bottom: 2px;
}

.phone-balance-naira {
    font-size: 12px;
    opacity: 0.8;
}

.phone-account-card {
    background: var(--white);
    border-radius: 12px;
    padding: 12px;
    margin-bottom: 12px;
    border: 1px solid var(--border);
}

.phone-account-label {
    font-size: 9px;
    font-weight: 700;
    color: var(--text-3);
    text-transform: uppercase;
    letter-spacing: 0.5px;
    margin-bottom: 8px;
}

.phone-account-row {
    display: flex;
    justify-content: space-between;
    margin-bottom: 5px;
}

.pac-label { font-size: 10px; color: var(--text-3); }
.pac-value { font-size: 10px; font-weight: 600; color: var(--text); }

.phone-txn-label {
    font-size: 10px;
    font-weight: 700;
    color: var(--text-3);
    text-transform: uppercase;
    letter-spacing: 0.5px;
    margin-bottom: 8px;
}

.phone-txn {
    background: var(--white);
    border-radius: 10px;
    padding: 10px;
    display: flex;
    align-items: center;
    gap: 8px;
    margin-bottom: 6px;
    border: 1px solid var(--border);
}

.phone-txn-icon {
    font-size: 18px;
    color: var(--gold);
}

.phone-txn-info { flex: 1; }
.phone-txn-name { font-size: 11px; font-weight: 600; color: var(--text); }
.phone-txn-date { font-size: 9px; color: var(--text-3); }
.phone-txn-amount { font-size: 12px; font-weight: 700; color: #3a9e6a; }

/* Blobs */
.hero-blob {
    position: absolute;
    border-radius: 50%;
    filter: blur(40px);
    opacity: 0.5;
    pointer-events: none;
}

.blob-1 {
    width: 300px;
    height: 300px;
    background: rgba(184,147,58,0.15);
    top: -50px;
    right: -50px;
}

.blob-2 {
    width: 200px;
    height: 200px;
    background: rgba(184,147,58,0.1);
    bottom: -30px;
    left: -30px;
}

/* Floating Cards */
.floating-card {
    position: absolute;
    background: var(--white);
    border: 1px solid var(--border);
    border-radius: 12px;
    padding: 10px 16px;
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: 13px;
    font-weight: 600;
    color: var(--text);
    box-shadow: var(--shadow-md);
    z-index: 3;
    white-space: nowrap;
}

.floating-card i { color: var(--gold); font-size: 16px; }

.fc-1 {
    top: 60px;
    right: -20px;
    animation: float 5s ease-in-out infinite;
}

.fc-2 {
    bottom: 80px;
    left: -20px;
    animation: float 7s ease-in-out infinite reverse;
}

/* ── How it Works ── */
.how-it-works {
    padding: 100px 0;
    background: var(--white);
}

.section-container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 32px;
}

.section-label {
    display: inline-block;
    font-size: 12px;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 1.5px;
    color: var(--gold);
    margin-bottom: 12px;
}

.section-title {
    font-family: 'Playfair Display', serif;
    font-size: clamp(28px, 3vw, 42px);
    font-weight: 800;
    letter-spacing: -0.5px;
    color: var(--text);
    margin-bottom: 12px;
    line-height: 1.2;
}

.section-subtitle {
    font-size: 16px;
    color: var(--text-2);
    margin-bottom: 56px;
}

.steps-grid {
    display: flex;
    align-items: center;
    gap: 0;
}

.step-card {
    flex: 1;
    background: var(--gold-bg);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    padding: 36px 28px;
    position: relative;
    opacity: 0;
    transform: translateY(20px);
    transition: all 0.5s ease;
}

.step-card.visible {
    opacity: 1;
    transform: translateY(0);
}

.step-card:nth-child(1) { transition-delay: 0s; }
.step-card:nth-child(3) { transition-delay: 0.15s; }
.step-card:nth-child(5) { transition-delay: 0.3s; }

.step-number {
    font-family: 'Playfair Display', serif;
    font-size: 48px;
    font-weight: 800;
    color: rgba(184,147,58,0.15);
    position: absolute;
    top: 16px;
    right: 20px;
    line-height: 1;
}

.step-icon {
    width: 52px;
    height: 52px;
    background: var(--gold);
    border-radius: 14px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 22px;
    color: #fff;
    margin-bottom: 20px;
}

.step-card h3 {
    font-size: 18px;
    font-weight: 700;
    margin-bottom: 10px;
    color: var(--text);
}

.step-card p {
    font-size: 14px;
    color: var(--text-2);
    line-height: 1.6;
}

.step-connector {
    font-size: 24px;
    color: var(--gold);
    padding: 0 16px;
    flex-shrink: 0;
}

/* ── Why Picolo ── */
.why-picolo {
    padding: 100px 0;
    background: var(--gold-bg);
}

.why-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 80px;
    align-items: center;
}

.benefits-list {
    display: flex;
    flex-direction: column;
    gap: 28px;
    margin-top: 36px;
}

.benefit-item {
    display: flex;
    gap: 16px;
    align-items: flex-start;
    opacity: 0;
    transform: translateX(-20px);
    transition: all 0.5s ease;
}

.benefit-item.visible {
    opacity: 1;
    transform: translateX(0);
}

.benefit-item:nth-child(1) { transition-delay: 0s; }
.benefit-item:nth-child(2) { transition-delay: 0.1s; }
.benefit-item:nth-child(3) { transition-delay: 0.2s; }
.benefit-item:nth-child(4) { transition-delay: 0.3s; }

.benefit-icon {
    width: 44px;
    height: 44px;
    background: var(--gold-pale);
    border: 1px solid rgba(184,147,58,0.2);
    border-radius: 12px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 18px;
    color: var(--gold);
    flex-shrink: 0;
}

.benefit-text h4 {
    font-size: 16px;
    font-weight: 700;
    color: var(--text);
    margin-bottom: 4px;
}

.benefit-text p {
    font-size: 14px;
    color: var(--text-2);
    line-height: 1.6;
}

/* Why Visual */
.why-visual {
    display: flex;
    flex-direction: column;
    gap: 20px;
}

.stats-card {
    background: var(--white);
    border: 1px solid var(--border);
    border-radius: var(--radius);
    padding: 32px;
    display: flex;
    align-items: center;
    justify-content: space-around;
    box-shadow: var(--shadow-md);
    opacity: 0;
    transform: translateY(20px);
    transition: all 0.5s ease;
}

.stats-card.visible {
    opacity: 1;
    transform: translateY(0);
}

.stat-item { text-align: center; }

.stat-num {
    font-family: 'Playfair Display', serif;
    font-size: 32px;
    font-weight: 800;
    color: var(--gold);
    margin-bottom: 4px;
}

.stat-label {
    font-size: 12px;
    color: var(--text-3);
    font-weight: 500;
}

.stat-divider {
    width: 1px;
    height: 48px;
    background: var(--border);
}

.rate-card {
    background: var(--gold);
    border-radius: var(--radius);
    padding: 24px 28px;
    color: #fff;
    opacity: 0;
    transform: translateY(20px);
    transition: all 0.5s ease 0.15s;
}

.rate-card.visible {
    opacity: 1;
    transform: translateY(0);
}

.rate-header {
    display: flex;
    align-items: center;
    gap: 8px;
    font-size: 13px;
    font-weight: 600;
    opacity: 0.85;
    margin-bottom: 16px;
}

.rate-display {
    display: flex;
    align-items: center;
    gap: 16px;
    margin-bottom: 10px;
}

.rate-from {
    font-family: 'Playfair Display', serif;
    font-size: 28px;
    font-weight: 800;
}

.rate-display i { font-size: 20px; opacity: 0.8; }

.rate-to {
    font-family: 'Playfair Display', serif;
    font-size: 28px;
    font-weight: 800;
}

.rate-note {
    font-size: 12px;
    opacity: 0.75;
}

/* ── CTA Banner ── */
.cta-banner {
    padding: 80px 0;
    background: var(--white);
}

.cta-box {
    background: var(--gold);
    border-radius: 24px;
    padding: 64px 48px;
    text-align: center;
    position: relative;
    overflow: hidden;
}

.cta-box::before {
    content: '';
    position: absolute;
    top: -60px;
    right: -60px;
    width: 300px;
    height: 300px;
    background: rgba(255,255,255,0.08);
    border-radius: 50%;
}

.cta-box::after {
    content: '';
    position: absolute;
    bottom: -80px;
    left: -40px;
    width: 250px;
    height: 250px;
    background: rgba(255,255,255,0.05);
    border-radius: 50%;
}

.cta-box h2 {
    font-family: 'Playfair Display', serif;
    font-size: clamp(24px, 3vw, 36px);
    font-weight: 800;
    color: #fff;
    margin-bottom: 12px;
    position: relative;
    z-index: 1;
}

.cta-box p {
    font-size: 16px;
    color: rgba(255,255,255,0.85);
    margin-bottom: 32px;
    position: relative;
    z-index: 1;
}

.btn-cta-white {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 15px 32px;
    background: #fff;
    color: var(--gold);
    border-radius: 10px;
    font-size: 16px;
    font-weight: 700;
    text-decoration: none;
    transition: all 0.2s;
    position: relative;
    z-index: 1;
    box-shadow: 0 4px 20px rgba(0,0,0,0.15);
}

.btn-cta-white:hover {
    transform: translateY(-2px);
    box-shadow: 0 8px 28px rgba(0,0,0,0.2);
}

/* ── Footer ── */
.footer {
    background: var(--text);
    padding: 64px 0 0;
}

.footer-container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 32px;
    display: grid;
    grid-template-columns: 1fr 2fr;
    gap: 64px;
    padding-bottom: 48px;
    border-bottom: 1px solid rgba(255,255,255,0.1);
}

.footer-logo {
    font-family: 'Playfair Display', serif;
    font-size: 26px;
    font-weight: 800;
    color: var(--gold);
    margin-bottom: 12px;
}

.footer-brand p {
    font-size: 14px;
    color: rgba(255,255,255,0.5);
    line-height: 1.6;
    max-width: 260px;
}

.footer-links {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 32px;
}

.footer-col h5 {
    font-size: 12px;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 1px;
    color: rgba(255,255,255,0.4);
    margin-bottom: 16px;
}

.footer-col a {
    display: block;
    font-size: 14px;
    color: rgba(255,255,255,0.7);
    text-decoration: none;
    margin-bottom: 10px;
    transition: color 0.2s;
}

.footer-col a:hover { color: var(--gold); }

.footer-bottom {
    max-width: 1200px;
    margin: 0 auto;
    padding: 20px 32px;
    text-align: center;
}

.footer-bottom p {
    font-size: 13px;
    color: rgba(255,255,255,0.3);
}

/* ── Responsive ── */
@media (max-width: 900px) {
    .hero-container {
        grid-template-columns: 1fr;
        text-align: center;
        gap: 48px;
    }

    .hero-subtitle { margin: 0 auto 36px; }

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

    .hero-trust { justify-content: center; }

    .hero-visual { order: -1; }

    .steps-grid {
        flex-direction: column;
        gap: 16px;
    }

    .step-connector {
        transform: rotate(90deg);
        padding: 4px 0;
    }

    .why-grid {
        grid-template-columns: 1fr;
        gap: 48px;
    }

    .footer-container {
        grid-template-columns: 1fr;
        gap: 40px;
    }

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

@media (max-width: 640px) {
    .nav-links { display: none; }
    .nav-cta   { display: none; }
    .nav-hamburger { display: block; }

    .hero { padding: 110px 0 60px; }

    .hero-container { padding: 0 20px; }

    .phone-mockup {
        width: 230px;
        height: 460px;
    }

    .fc-1 { right: 0; top: 20px; font-size: 11px; padding: 8px 12px; }
    .fc-2 { left: 0; bottom: 40px; font-size: 11px; padding: 8px 12px; }

    .section-container { padding: 0 20px; }

    .how-it-works { padding: 64px 0; }
    .why-picolo   { padding: 64px 0; }
    .cta-banner   { padding: 48px 0; }

    .cta-box { padding: 40px 24px; }

    .footer-links { grid-template-columns: 1fr 1fr; }

    .stats-card { padding: 24px 16px; }
    .stat-num   { font-size: 24px; }
}