/* ==========================================================
   TD FINANCIAL TECHNOLOGY LTD — styles.css
   Light editorial theme · teal/indigo palette
   ========================================================== */

:root {
  --ink:        #0B1120;
  --ink-soft:   #33415C;
  --muted:      #64748B;
  --line:       #E2E8F0;
  --paper:      #FFFFFF;
  --paper-2:    #F6F8FB;
  --paper-3:    #EDF2F9;
  --brand:      #1D6FD6;
  --brand-dark: #14488F;
  --brand-soft: #E8F1FD;
  --accent:     #0FB5A6;
  --accent-soft:#E2F7F4;
  --radius-s:   6px;
  --radius:     14px;
  --radius-l:   26px;
  --ease:       cubic-bezier(.22,.75,.24,1);
}

*, *::before, *::after { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
  font-family: 'Inter', 'Segoe UI', system-ui, sans-serif;
  background: var(--paper);
  color: var(--ink);
  line-height: 1.7;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}
img { display: block; max-width: 100%; }
a { text-decoration: none; color: inherit; }
ul, ol { list-style: none; }

.display {
  font-family: 'Sora', 'Inter', sans-serif;
  font-weight: 700;
  letter-spacing: -0.02em;
  line-height: 1.12;
}
.wrap { width: 100%; max-width: 1220px; margin: 0 auto; padding: 0 32px; }
.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 9px;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: .22em;
  text-transform: uppercase;
  color: var(--brand);
}
.eyebrow::before {
  content: '';
  width: 26px; height: 1px;
  background: var(--brand);
}
.h2 { font-size: clamp(28px, 3.6vw, 46px); }
.lead { font-size: 17px; color: var(--muted); max-width: 620px; }

.reveal { opacity: 0; transform: translateY(22px); transition: opacity .7s var(--ease), transform .7s var(--ease); }
.reveal.on { opacity: 1; transform: none; }

/* ---------------- TOP BAR ---------------- */
.topbar {
  background: var(--ink);
  color: #A7B6CC;
  font-size: 12px;
  letter-spacing: .04em;
}
.topbar .wrap {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  height: 40px;
}
.topbar strong { color: #fff; font-weight: 600; }
.topbar .tb-right { display: flex; gap: 22px; }

/* ---------------- HEADER ---------------- */
.header {
  position: sticky;
  top: 0;
  z-index: 900;
  background: rgba(255,255,255,.86);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--line);
}
.header .wrap {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 82px;
}
.brand { display: flex; align-items: center; gap: 13px; }
.brand img { height: 44px; }
.brand-text { display: flex; flex-direction: column; line-height: 1.15; }
.brand-name {
  font-family: 'Sora', sans-serif;
  font-size: 16px;
  font-weight: 700;
  letter-spacing: -0.01em;
  color: var(--ink);
}
.brand-sub {
  font-size: 9.5px;
  font-weight: 600;
  letter-spacing: .2em;
  text-transform: uppercase;
  color: var(--muted);
}
.menu { display: flex; align-items: center; gap: 34px; }
.menu > li > a {
  font-size: 14px;
  font-weight: 500;
  color: var(--ink-soft);
  padding: 6px 0;
  border-bottom: 2px solid transparent;
  transition: color .25s var(--ease), border-color .25s var(--ease);
}
.menu > li > a:hover { color: var(--brand); border-color: var(--brand); }
.menu > li > a.btn{
    color: #fff;
    padding: 8px 15px;
}
.btn {
  display: inline-flex;
  align-items: center;
  gap: 9px;
  font-size: 14px;
  font-weight: 600;
  padding: 13px 26px;
  border-radius: 100px;
  border: 1px solid transparent;
  cursor: pointer;
  transition: all .28s var(--ease);
  font-family: inherit;
}
.btn-solid { background: var(--brand); color: #fff; }
.btn-solid:hover { background: var(--brand-dark); transform: translateY(-2px); box-shadow: 0 12px 26px rgba(29,111,214,.28); }
.btn-ghost { border-color: var(--line); color: var(--ink); background: #fff; }
.btn-ghost:hover { border-color: var(--brand); color: var(--brand); }
.btn-dark { background: var(--ink); color: #fff; }
.btn-dark:hover { background: #16233d; transform: translateY(-2px); }
.btn-sm { padding: 10px 20px; font-size: 13px; }
.burger { display: none; flex-direction: column; gap: 5px; cursor: pointer; padding: 6px; }
.burger span { width: 22px; height: 2px; background: var(--ink); border-radius: 2px; }

/* ---------------- HERO ---------------- */
.hero {
  position: relative;
  padding: 96px 0 0;
  background:
    radial-gradient(1000px 460px at 88% -6%, var(--brand-soft) 0%, transparent 62%),
    linear-gradient(180deg, #fff 0%, var(--paper-2) 100%);
  overflow: hidden;
}
.hero-inner {
  display: grid;
  grid-template-columns: 1.08fr .92fr;
  gap: 64px;
  align-items: center;
  padding-bottom: 88px;
}
.pill {
  display: inline-flex;
  align-items: center;
  gap: 9px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 100px;
  padding: 7px 16px 7px 12px;
  font-size: 12px;
  font-weight: 600;
  color: var(--ink-soft);
  box-shadow: 0 3px 12px rgba(11,17,32,.04);
}
.pill i {
  width: 7px; height: 7px;
  border-radius: 50%;
  background: var(--accent);
  box-shadow: 0 0 0 4px var(--accent-soft);
  font-style: normal;
}
.hero h1 {
  font-size: clamp(36px, 5.4vw, 66px);
  margin: 24px 0 22px;
}
.hero h1 em {
  font-style: normal;
  background: linear-gradient(100deg, var(--brand) 20%, var(--accent) 100%);
  -webkit-background-clip: text;
  background-clip: text;
  -webkit-text-fill-color: transparent;
}
.hero p.lead { font-size: 18px; margin-bottom: 36px; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 14px; align-items: center; }
.hero-meta {
  margin-top: 44px;
  display: flex;
  gap: 40px;
  flex-wrap: wrap;
  padding-top: 26px;
  border-top: 1px solid var(--line);
}
.hero-meta div span {
  display: block;
  font-family: 'Sora', sans-serif;
  font-size: 26px;
  font-weight: 700;
  color: var(--ink);
}
.hero-meta div small {
  font-size: 12px;
  letter-spacing: .08em;
  text-transform: uppercase;
  color: var(--muted);
}

/* hero visual — layered mono cards */
.hero-visual { position: relative; }
.glass-card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius-l);
  box-shadow: 0 30px 70px -30px rgba(11,17,32,.28);
  padding: 30px 30px 26px;
}
.gc-head {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding-bottom: 18px;
  border-bottom: 1px solid var(--line);
}
.gc-head h4 { font-size: 14px; font-weight: 700; }
.gc-head span { font-size: 11px; font-weight: 700; letter-spacing: .12em; color: var(--accent); text-transform: uppercase; }
.rail { display: flex; flex-direction: column; gap: 4px; margin-top: 18px; }
.rail-row {
  display: grid;
  grid-template-columns: 1fr auto;
  align-items: center;
  gap: 12px;
  padding: 12px 4px;
  border-bottom: 1px dashed var(--line);
  font-size: 13.5px;
}
.rail-row:last-child { border-bottom: none; }
.rail-row b { font-weight: 600; color: var(--ink); }
.rail-row small { display: block; color: var(--muted); font-size: 12px; }
.rail-row var {
  font-style: normal;
  font-family: 'Sora', sans-serif;
  font-weight: 600;
  font-size: 13.5px;
  color: var(--brand);
}
.mini-chip {
  position: absolute;
    left: -73px;
    bottom: -70px;
  background: var(--ink);
  color: #fff;
  border-radius: 18px;
  padding: 18px 22px;
  box-shadow: 0 22px 46px -18px rgba(11,17,32,.5);
}
.mini-chip strong { display: block; font-family: 'Sora', sans-serif; font-size: 22px; }
.mini-chip small { font-size: 11px; letter-spacing: .12em; text-transform: uppercase; color: #93A6C0; }

/* ---------------- MARQUEE ---------------- */
.marquee {
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
  background: #fff;
  overflow: hidden;
  padding: 16px 0;
}
.marquee-track {
  display: flex;
  gap: 56px;
  width: max-content;
  animation: slide 30s linear infinite;
}
.marquee-track span {
  font-size: 12.5px;
  font-weight: 600;
  letter-spacing: .16em;
  text-transform: uppercase;
  color: var(--muted);
  white-space: nowrap;
}
.marquee-track span::after { content: ' ·'; color: var(--brand); }
@keyframes slide { from { transform: translateX(0); } to { transform: translateX(-50%); } }

/* ---------------- ABOUT ---------------- */
.about { padding: 108px 0; }
.about-top {
  display: grid;
  grid-template-columns: .8fr 1.2fr;
  gap: 60px;
  align-items: start;
}
.about-body p { color: var(--ink-soft); font-size: 16.5px; margin-bottom: 18px; }
.about-body p:last-child { margin-bottom: 0; }
.about-cards {
  margin-top: 62px;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  overflow: hidden;
}
.ac {
  padding: 34px 28px;
  border-right: 1px solid var(--line);
  background: #fff;
  transition: background .3s var(--ease);
}
.ac:last-child { border-right: none; }
.ac:hover { background: var(--paper-2); }
.ac-no {
  font-family: 'Sora', sans-serif;
  font-size: 12px;
  font-weight: 700;
  letter-spacing: .16em;
  color: var(--brand);
}
.ac h4 { font-family: 'Sora', sans-serif; font-size: 16px; margin: 12px 0 8px; }
.ac p { font-size: 13.5px; color: var(--muted); line-height: 1.7; }

/* ---------------- SERVICES (numbered rows) ---------------- */
.services { background: var(--paper-2); padding: 108px 0; border-top: 1px solid var(--line); }
.sec-head {
  display: flex;
  justify-content: space-between;
  align-items: flex-end;
  gap: 40px;
  margin-bottom: 56px;
}
.sec-head .h2 { margin: 14px 0 0; max-width: 620px; }
.srv-list { border-top: 1px solid var(--line); }
.srv-row {
  display: grid;
  grid-template-columns: 92px 1.05fr 1.35fr auto;
  gap: 32px;
  align-items: center;
  padding: 34px 8px;
  border-bottom: 1px solid var(--line);
  transition: background .3s var(--ease), padding .3s var(--ease);
}
.srv-row:hover { background: #fff; padding-left: 20px; padding-right: 20px; }
.srv-no {
  font-family: 'Sora', sans-serif;
  font-size: 13px;
  font-weight: 700;
  color: var(--brand);
  letter-spacing: .1em;
}
.srv-row h3 { font-family: 'Sora', sans-serif; font-size: 20px; }
.srv-row p { font-size: 14.5px; color: var(--muted); }
.srv-arrow {
  width: 44px; height: 44px;
  border-radius: 50%;
  border: 1px solid var(--line);
  display: grid;
  place-items: center;
  color: var(--brand);
  background: #fff;
  transition: all .3s var(--ease);
  flex-shrink: 0;
}
.srv-row:hover .srv-arrow { background: var(--brand); color: #fff; border-color: var(--brand); transform: rotate(-45deg); }

/* ---------------- PLATFORM / TABS ---------------- */
.platform { padding: 108px 0; }
.tabs {
  display: flex;
  gap: 10px;
  flex-wrap: wrap;
  margin: 34px 0 34px;
}
.tab {
  font-family: inherit;
  font-size: 13.5px;
  font-weight: 600;
  color: var(--ink-soft);
  background: var(--paper-2);
  border: 1px solid var(--line);
  border-radius: 100px;
  padding: 11px 22px;
  cursor: pointer;
  transition: all .25s var(--ease);
}
.tab:hover { border-color: var(--brand); color: var(--brand); }
.tab.active { background: var(--ink); border-color: var(--ink); color: #fff; }
.panel { display: none; }
.panel.active { display: grid; grid-template-columns: 1.05fr .95fr; gap: 56px; align-items: center; }
.panel h3 { font-family: 'Sora', sans-serif; font-size: clamp(22px, 2.4vw, 30px); margin-bottom: 16px; }
.panel p { color: var(--ink-soft); font-size: 16px; margin-bottom: 22px; }
.check { display: flex; flex-direction: column; gap: 12px; }
.check li { display: flex; gap: 12px; font-size: 14.5px; color: var(--ink-soft); }
.check li::before {
  content: '✓';
  flex-shrink: 0;
  width: 22px; height: 22px;
  border-radius: 50%;
  background: var(--accent-soft);
  color: var(--accent);
  font-size: 12px;
  font-weight: 700;
  display: grid;
  place-items: center;
  margin-top: 4px;
}
.spec-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1px;
  background: var(--line);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  overflow: hidden;
}
.spec {
  background: #fff;
  padding: 28px 24px;
}
.spec b {
  display: block;
  font-family: 'Sora', sans-serif;
  font-size: 24px;
  color: var(--brand);
  line-height: 1.2;
}
.spec small { font-size: 12.5px; color: var(--muted); letter-spacing: .04em; }

/* ---------------- GOVERNANCE (dark band + timeline) ---------------- */
.gov {
  background: var(--ink);
  color: #E4EBF5;
  padding: 108px 0;
}
.gov .eyebrow { color: #6FB2FF; }
.gov .eyebrow::before { background: #6FB2FF; }
.gov .h2 { color: #fff; }
.gov .lead { color: #9BAAC2; }
.gov-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: start;
  margin-top: 48px;
}
.steps { position: relative; padding-left: 26px; }
.steps::before {
  content: '';
  position: absolute;
  left: 5px; top: 8px; bottom: 8px;
  width: 1px;
  background: linear-gradient(180deg, #6FB2FF, rgba(111,178,255,.08));
}
.step { position: relative; padding-bottom: 30px; }
.step:last-child { padding-bottom: 0; }
.step::before {
  content: '';
  position: absolute;
  left: -26px; top: 8px;
  width: 11px; height: 11px;
  border-radius: 50%;
  background: var(--ink);
  border: 2px solid #6FB2FF;
}
.step h4 { font-family: 'Sora', sans-serif; font-size: 16px; color: #fff; margin-bottom: 6px; }
.step p { font-size: 14px; color: #93A6C0; }
.entity-card {
  background: rgba(255,255,255,.04);
  border: 1px solid rgba(255,255,255,.1);
  border-radius: var(--radius-l);
  padding: 36px 34px;
}
.entity-card h3 { font-family: 'Sora', sans-serif; font-size: 19px; color: #fff; margin-bottom: 4px; }
.entity-card > p { font-size: 13.5px; color: #93A6C0; margin-bottom: 26px; }
.entity-row {
  display: flex;
  justify-content: space-between;
  gap: 20px;
  padding: 15px 0;
  border-top: 1px solid rgba(255,255,255,.08);
  font-size: 14px;
}
.entity-row span { color: #8298B5; }
.entity-row b { color: #fff; font-weight: 600; text-align: right; }
.entity-tag {
  display: inline-block;
  margin-top: 24px;
  font-family: 'Sora', sans-serif;
  font-size: 11.5px;
  letter-spacing: .14em;
  color: #6FB2FF;
  border: 1px solid rgba(111,178,255,.3);
  border-radius: 100px;
  padding: 7px 16px;
}

/* ---------------- FAQ ---------------- */
.faq { padding: 108px 0; background: var(--paper-2); }
.faq-list { margin-top: 40px; border-top: 1px solid var(--line); }
.faq-item { border-bottom: 1px solid var(--line); }
.faq-q {
  width: 100%;
  background: none;
  border: none;
  font-family: 'Sora', sans-serif;
  font-size: 17px;
  font-weight: 600;
  color: var(--ink);
  text-align: left;
  padding: 24px 44px 24px 0;
  cursor: pointer;
  position: relative;
}
.faq-q::after {
  content: '+';
  position: absolute;
  right: 8px; top: 50%;
  transform: translateY(-50%);
  font-size: 22px;
  font-weight: 400;
  color: var(--brand);
  transition: transform .3s var(--ease);
}
.faq-item.open .faq-q::after { transform: translateY(-50%) rotate(45deg); }
.faq-a { max-height: 0; overflow: hidden; transition: max-height .4s var(--ease); }
.faq-a p { padding: 0 60px 24px 0; font-size: 15px; color: var(--muted); }

/* ---------------- CONTACT ---------------- */
.contact { padding: 108px 0; }
.contact-grid {
  display: grid;
  grid-template-columns: .95fr 1.05fr;
  gap: 64px;
  align-items: start;
}
.info-list { margin-top: 34px; display: flex; flex-direction: column; gap: 2px; }
.info-item {
  display: grid;
  grid-template-columns: 132px 1fr;
  gap: 20px;
  padding: 20px 0;
  border-top: 1px solid var(--line);
}
.info-item:last-child { border-bottom: 1px solid var(--line); }
.info-item span {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: .16em;
  text-transform: uppercase;
  color: var(--muted);
  padding-top: 4px;
}
.info-item p { font-size: 15.5px; color: var(--ink); }
.form {
  background: var(--paper-2);
  border: 1px solid var(--line);
  border-radius: var(--radius-l);
  padding: 40px 38px;
}
.form h3 { font-family: 'Sora', sans-serif; font-size: 21px; margin-bottom: 6px; }
.form > p { font-size: 14px; color: var(--muted); margin-bottom: 28px; }
.f-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.f-group { display: flex; flex-direction: column; gap: 7px; margin-bottom: 18px; }
.f-group label {
  font-size: 11.5px;
  font-weight: 700;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--ink-soft);
}
.f-group input, .f-group select, .f-group textarea {
  font-family: inherit;
  font-size: 14.5px;
  color: var(--ink);
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 10px;
  padding: 13px 15px;
  outline: none;
  transition: border-color .25s var(--ease), box-shadow .25s var(--ease);
    line-height: 25px;
    padding-right: 10px;
}
.f-group input::placeholder, .f-group textarea::placeholder { color: #9AA8BC; }
.f-group input:focus, .f-group select:focus, .f-group textarea:focus {
  border-color: var(--brand);
  box-shadow: 0 0 0 4px rgba(29,111,214,.1);
}
.f-group textarea { resize: vertical; min-height: 110px; }
.form .btn { width: 100%; justify-content: center; margin-top: 6px; }
.form-note { font-size: 12px; color: var(--muted); text-align: center; margin-top: 14px; }

/* ---------------- CTA ---------------- */
.cta {
  background: linear-gradient(110deg, var(--brand-dark) 0%, var(--brand) 55%, var(--accent) 130%);
  color: #fff;
  padding: 76px 0;
}
.cta .wrap {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 40px;
  flex-wrap: wrap;
}
.cta h2 { font-family: 'Sora', sans-serif; font-size: clamp(24px, 3vw, 36px); line-height: 1.2; }
.cta p { color: rgba(255,255,255,.82); font-size: 16px; margin-top: 10px; max-width: 560px; }
.cta .btn-ghost { background: transparent; border-color: rgba(255,255,255,.55); color: #fff; }
.cta .btn-ghost:hover { background: #fff; color: var(--brand-dark); border-color: #fff; }
.cta .btn-solid { background: #fff; color: var(--brand-dark); }
.cta .btn-solid:hover { background: var(--ink); color: #fff; box-shadow: none; }

/* ---------------- FOOTER ---------------- */
.footer { background: #fff; border-top: 1px solid var(--line); padding: 64px 0 30px; }
.f-grid {
  display: grid;
  grid-template-columns: 1.6fr 1fr 1fr 1fr;
  gap: 48px;
  padding-bottom: 44px;
  border-bottom: 1px solid var(--line);
}
.f-brand .brand { margin-bottom: 18px; }
.f-brand p { font-size: 13.5px; color: var(--muted); max-width: 320px; }
.f-col h5 {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: .16em;
  text-transform: uppercase;
  color: var(--ink);
  margin-bottom: 16px;
}
.f-col li { margin-bottom: 10px; }
.f-col a, .f-col p { font-size: 13.5px; color: var(--muted); transition: color .25s var(--ease); }
.f-col a:hover { color: var(--brand); }
.f-bottom {
  display: flex;
  justify-content: space-between;
  gap: 14px;
  flex-wrap: wrap;
  padding-top: 24px;
}
.f-bottom p { font-size: 12.5px; color: var(--muted); }

/* ---------------- RESPONSIVE ---------------- */
@media (max-width: 1080px) {
  .hero-inner,
  .about-top,
  .panel.active,
  .gov-grid,
  .contact-grid { grid-template-columns: 1fr; gap: 44px; }
  .about-cards { grid-template-columns: 1fr 1fr; }
  .ac:nth-child(2) { border-right: none; }
  .ac:nth-child(1), .ac:nth-child(2) { border-bottom: 1px solid var(--line); }
  .srv-row { grid-template-columns: 60px 1fr auto; }
  .srv-row p { grid-column: 2 / 4; }
  .f-grid { grid-template-columns: 1fr 1fr; }
  .mini-chip { left: auto; right: 0; bottom: -22px; }
}

@media (max-width: 760px) {
  .wrap { padding: 0 20px; }
  .topbar .tb-right span:not(:last-child) { display: none; }
  .menu {
    display: none;
    position: absolute;
    top: 82px; left: 0; right: 0;
    flex-direction: column;
    align-items: stretch;
    gap: 0;
    background: #fff;
    border-bottom: 1px solid var(--line);
    padding: 12px 20px 22px;
    box-shadow: 0 18px 34px -20px rgba(11,17,32,.25);
  }
  .menu.open { display: flex; }
  .menu > li { border-bottom: 1px solid var(--line); }
  .menu > li > a { display: block; padding: 14px 0; }
  .menu > li:last-child { border-bottom: none; padding-top: 14px; }
  .burger { display: flex; }
  .hero { padding-top: 60px; }
  .about, .services, .platform, .gov, .faq, .contact { padding: 72px 0; }
  .about-cards { grid-template-columns: 1fr; }
  .ac { border-right: none; border-bottom: 1px solid var(--line); }
  .ac:last-child { border-bottom: none; }
  .sec-head { flex-direction: column; align-items: flex-start; }
  .srv-row { grid-template-columns: 1fr auto; gap: 10px 18px; padding: 26px 4px; }
  .srv-no { grid-column: 1 / 3; }
  .srv-row p { grid-column: 1 / 3; }
  .spec-grid { grid-template-columns: 1fr; }
  .f-row { grid-template-columns: 1fr; }
  .f-grid { grid-template-columns: 1fr; gap: 34px; }
  .hero-meta { gap: 26px; }
  .form { padding: 30px 24px; }
}