/* ===== RESET & BASE ===== */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
  color: #1a1a2e;
  background: #fff;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}
a { text-decoration: none; color: inherit; }
ul { list-style: none; }

:root {
  --primary: #0283FE;
  --primary-dark: #0066cc;
  --primary-light: #e8f3ff;
  --dark: #0d1b2a;
  --mid: #4b5563;
  --light: #f4f8ff;
  --border: #e2eaf5;
  --radius: 16px;
  --shadow: 0 4px 24px rgba(2,131,254,.1);
  --shadow-lg: 0 12px 48px rgba(2,131,254,.18);
}

.container { max-width: 1160px; margin: 0 auto; padding: 0 24px; }
.section-pad { padding: 96px 0; }
.text-center { text-align: center; }

/* ===== NAV ===== */
.nav {
  position: sticky; top: 0; z-index: 100;
  background: rgba(255,255,255,.96);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--border);
}
.nav-inner {
  display: flex; align-items: center; gap: 32px; height: 68px;
}
.logo { display: flex; align-items: center; gap: 10px; font-weight: 800; font-size: 1.2rem; }
.logo-mark {
  width: 36px; height: 36px; background: var(--primary); border-radius: 10px;
  display: flex; align-items: center; justify-content: center; color: #fff; font-size: .95rem; font-weight: 900;
}
.logo-text { color: var(--primary); }
.nav-links { display: flex; gap: 4px; margin-left: auto; }
.nav-links a {
  padding: 8px 16px; border-radius: 8px; font-size: .92rem; font-weight: 500; color: var(--mid);
  transition: all .2s;
}
.nav-links a:hover, .nav-links a.active { color: var(--primary); background: var(--primary-light); }
.hamburger {
  display: none; background: none; border: none; font-size: 1.5rem;
  cursor: pointer; color: var(--dark); margin-left: auto;
}
.mobile-menu {
  display: none; flex-direction: column;
  background: #fff; border-top: 1px solid var(--border); padding: 12px 24px 20px;
}
.mobile-menu a { padding: 12px 0; font-weight: 500; color: var(--mid); border-bottom: 1px solid var(--border); }
.mobile-menu.open { display: flex; }

/* ===== HERO ===== */
.hero {
  position: relative; overflow: hidden;
  background: linear-gradient(135deg, #f0f7ff 0%, #fff 55%, #f4f8ff 100%);
  padding: 88px 0 100px;
}
.hero-blob {
  position: absolute; top: -120px; right: -180px;
  width: 680px; height: 680px; border-radius: 50%;
  background: radial-gradient(circle, rgba(2,131,254,.07) 0%, transparent 70%);
  pointer-events: none;
}
.hero-inner { display: flex; align-items: center; gap: 64px; }
.hero-text { flex: 1; }
.hero-badge {
  display: inline-flex; align-items: center; gap: 8px;
  background: var(--primary-light); color: var(--primary);
  border: 1px solid rgba(2,131,254,.2);
  border-radius: 100px; padding: 6px 16px; font-size: .82rem; font-weight: 600;
  margin-bottom: 24px; letter-spacing: .02em;
}
.hero-title {
  font-size: clamp(2rem, 4vw, 3rem); font-weight: 900; line-height: 1.15;
  color: var(--dark); margin-bottom: 20px;
}
.hero-title .highlight { color: var(--primary); }
.hero-sub { font-size: 1.05rem; color: var(--mid); margin-bottom: 36px; max-width: 500px; }
.hero-cta-row { display: flex; gap: 16px; flex-wrap: wrap; margin-bottom: 24px; }
.btn-primary {
  display: inline-flex; align-items: center; gap: 8px;
  background: var(--primary); color: #fff; border: none; border-radius: 12px;
  padding: 14px 28px; font-size: .95rem; font-weight: 700;
  cursor: pointer; transition: all .2s; box-shadow: 0 4px 16px rgba(2,131,254,.35);
}
.btn-primary:hover { background: var(--primary-dark); transform: translateY(-2px); box-shadow: 0 8px 28px rgba(2,131,254,.45); }
.btn-primary.large { padding: 16px 36px; font-size: 1.05rem; }
.btn-outline {
  display: inline-flex; align-items: center; gap: 8px;
  background: transparent; color: var(--primary);
  border: 2px solid var(--primary); border-radius: 12px;
  padding: 13px 28px; font-size: .95rem; font-weight: 700;
  cursor: pointer; transition: all .2s;
}
.btn-outline:hover { background: var(--primary-light); transform: translateY(-2px); }
.hero-trust { display: flex; gap: 20px; flex-wrap: wrap; }
.trust-item { display: flex; align-items: center; gap: 6px; font-size: .82rem; color: var(--mid); }
.trust-item span { font-size: 1rem; }

/* phone mockup */
.hero-visual { flex-shrink: 0; position: relative; }
.phone-wrap {
  width: 248px; height: 500px;
  background: var(--dark); border-radius: 38px;
  padding: 14px;
  box-shadow: 0 32px 80px rgba(2,131,254,.25), 0 0 0 8px #fff, 0 0 0 10px var(--border);
}
.phone-screen {
  background: #f4f8ff; border-radius: 28px; height: 100%;
  padding: 20px 16px; display: flex; flex-direction: column; gap: 14px;
}
.ps-header { display: flex; justify-content: space-between; align-items: center; }
.ps-logo { font-size: .78rem; font-weight: 800; color: var(--primary); }
.ps-dot { width: 8px; height: 8px; background: #22c55e; border-radius: 50%; }
.ps-card {
  background: linear-gradient(135deg, var(--primary), var(--primary-dark));
  border-radius: 16px; padding: 18px 16px; color: #fff;
}
.ps-card-label { font-size: .68rem; opacity: .8; margin-bottom: 4px; }
.ps-card-amount { font-size: 1.6rem; font-weight: 900; margin-bottom: 8px; }
.ps-card-sub { font-size: .7rem; opacity: .75; }
.ps-progress-label { font-size: .72rem; color: var(--mid); font-weight: 600; }
.ps-progress-bar { height: 6px; background: #dde9f8; border-radius: 99px; margin-top: 6px; }
.ps-progress-fill { height: 100%; width: 68%; background: var(--primary); border-radius: 99px; }
.ps-steps { display: flex; flex-direction: column; gap: 8px; }
.ps-step {
  background: #fff; border-radius: 10px; padding: 10px 12px;
  display: flex; align-items: center; gap: 10px;
}
.ps-step-num {
  width: 24px; height: 24px; background: var(--primary-light); color: var(--primary);
  border-radius: 50%; display: flex; align-items: center; justify-content: center;
  font-size: .72rem; font-weight: 800; flex-shrink: 0;
}
.ps-step-text { font-size: .75rem; font-weight: 600; color: var(--dark); }

.float-card {
  position: absolute; background: #fff; border-radius: 14px;
  padding: 10px 14px; box-shadow: var(--shadow-lg);
  display: flex; align-items: center; gap: 8px; font-size: .75rem;
  animation: floatY 4s ease-in-out infinite;
}
.float-card.c1 { top: 60px; right: -72px; animation-delay: 0s; }
.float-card.c2 { bottom: 80px; left: -72px; animation-delay: 2s; }
.fc-icon { font-size: 1.1rem; }
.fc-text { color: var(--mid); line-height: 1.3; }
.fc-text b { color: var(--dark); display: block; }
@keyframes floatY { 0%,100%{transform:translateY(0)}50%{transform:translateY(-8px)} }

/* ===== SECTION LABELS ===== */
.section-tag {
  display: inline-block;
  background: var(--primary-light); color: var(--primary);
  font-size: .72rem; font-weight: 700; letter-spacing: .1em;
  padding: 5px 14px; border-radius: 100px; margin-bottom: 14px;
}
.section-title { font-size: clamp(1.6rem,3vw,2.3rem); font-weight: 800; color: var(--dark); margin-bottom: 12px; }
.section-sub { font-size: 1rem; color: var(--mid); margin-bottom: 56px; }

/* ===== STEPS ===== */
.steps-section { background: var(--light); }
.steps-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 32px; }
.step-card {
  background: #fff; border-radius: var(--radius); padding: 36px 28px;
  border: 1px solid var(--border); text-align: center; position: relative;
  transition: transform .25s, box-shadow .25s;
}
.step-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); }
.step-num-badge {
  position: absolute; top: -16px; left: 50%; transform: translateX(-50%);
  width: 32px; height: 32px; background: var(--primary); color: #fff;
  border-radius: 50%; display: flex; align-items: center; justify-content: center;
  font-size: .8rem; font-weight: 800; box-shadow: 0 4px 12px rgba(2,131,254,.3);
}
.step-icon { font-size: 2.4rem; margin-bottom: 16px; }
.step-card h3 { font-size: 1.05rem; font-weight: 700; color: var(--dark); margin-bottom: 8px; }
.step-card p { font-size: .9rem; color: var(--mid); }

/* ===== FEATURES ===== */
.features-grid { display: grid; grid-template-columns: repeat(2,1fr); gap: 24px; }
.feat-card {
  background: var(--light); border-radius: var(--radius); padding: 32px 28px;
  border: 1px solid var(--border); display: flex; gap: 20px; align-items: flex-start;
  transition: box-shadow .25s;
}
.feat-card:hover { box-shadow: var(--shadow); }
.feat-icon {
  width: 52px; height: 52px; background: var(--primary); border-radius: 14px;
  display: flex; align-items: center; justify-content: center; font-size: 1.4rem;
  flex-shrink: 0; box-shadow: 0 4px 12px rgba(2,131,254,.3);
}
.feat-body h4 { font-size: 1rem; font-weight: 700; color: var(--dark); margin-bottom: 6px; }
.feat-body p { font-size: .9rem; color: var(--mid); }

/* ===== ELIGIBILITY ===== */
.eligibility { background: var(--primary); }
.eligibility .section-tag { background: rgba(255,255,255,.2); color: #fff; }
.eligibility .section-title { color: #fff; }
.eligibility .section-sub { color: rgba(255,255,255,.8); }
.elig-grid { display: grid; grid-template-columns: repeat(2,1fr); gap: 16px; }
.elig-item {
  background: rgba(255,255,255,.12); border: 1px solid rgba(255,255,255,.2);
  border-radius: var(--radius); padding: 24px 20px;
  display: flex; align-items: flex-start; gap: 14px;
}
.elig-check {
  width: 28px; height: 28px; background: rgba(255,255,255,.25); border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: .85rem; flex-shrink: 0;
}
.elig-item p { font-size: .9rem; color: rgba(255,255,255,.92); font-weight: 500; }

/* ===== PAGE HERO ===== */
.page-hero {
  background: linear-gradient(135deg, #f0f7ff 0%, #fff 60%, #f4f8ff 100%);
  padding: 80px 0 64px; text-align: center;
  border-bottom: 1px solid var(--border);
}
.page-hero h1 { font-size: clamp(1.8rem,4vw,2.8rem); font-weight: 900; color: var(--dark); margin-bottom: 12px; }
.page-hero p { font-size: 1rem; color: var(--mid); }

/* ===== ABOUT ===== */
.about-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; margin-bottom: 72px; }
.about-block h2 { font-size: 1.45rem; font-weight: 800; color: var(--dark); margin-bottom: 14px; }
.about-block p { font-size: .95rem; color: var(--mid); }
.about-accent { color: var(--primary); font-weight: 700; }

.adv-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 24px; }
.adv-card {
  border-radius: var(--radius); padding: 32px 24px; text-align: center;
  background: var(--light); border: 1px solid var(--border);
  transition: box-shadow .25s, transform .25s;
}
.adv-card:hover { box-shadow: var(--shadow); transform: translateY(-4px); }
.adv-icon { font-size: 2.4rem; margin-bottom: 14px; }
.adv-card h4 { font-size: 1rem; font-weight: 700; color: var(--dark); margin-bottom: 8px; }
.adv-card p { font-size: .88rem; color: var(--mid); }

/* ===== PRIVACY ===== */
.privacy-wrap { display: grid; grid-template-columns: 230px 1fr; gap: 56px; align-items: start; }
.privacy-toc {
  position: sticky; top: 88px;
  background: var(--light); border-radius: var(--radius); padding: 24px 20px;
  border: 1px solid var(--border);
}
.privacy-toc h3 { font-size: .88rem; font-weight: 700; color: var(--dark); margin-bottom: 12px; }
.privacy-toc ol { padding-left: 16px; display: flex; flex-direction: column; gap: 8px; }
.privacy-toc a { font-size: .82rem; color: var(--mid); transition: color .2s; }
.privacy-toc a:hover { color: var(--primary); }

.privacy-body { display: flex; flex-direction: column; gap: 40px; }
.privacy-block h2 {
  font-size: 1.2rem; font-weight: 800; color: var(--dark); margin-bottom: 14px;
  padding-bottom: 10px; border-bottom: 2px solid var(--primary-light);
}
.privacy-block h3 { font-size: .98rem; font-weight: 700; color: var(--dark); margin: 16px 0 8px; }
.privacy-block p { font-size: .92rem; color: var(--mid); margin-bottom: 10px; }
.privacy-block ul { padding-left: 18px; display: flex; flex-direction: column; gap: 8px; margin-bottom: 10px; }
.privacy-block li { font-size: .92rem; color: var(--mid); list-style: disc; }
.privacy-block a { color: var(--primary); text-decoration: underline; }
.privacy-highlight {
  background: var(--primary-light); border-left: 4px solid var(--primary);
  border-radius: 0 12px 12px 0; padding: 14px 18px; margin: 12px 0;
  font-size: .9rem; color: var(--dark);
}
.swahili-block {
  margin-top: 48px; padding-top: 40px;
  border-top: 2px dashed var(--border);
}
.swahili-label {
  display: inline-flex; align-items: center; gap: 8px;
  background: #fff8e1; color: #b45309;
  border: 1px solid #fde68a; border-radius: 100px;
  padding: 5px 14px; font-size: .78rem; font-weight: 700;
  margin-bottom: 24px;
}

/* ===== CONTACT ===== */
.contact-layout { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: start; }
.contact-info { display: flex; flex-direction: column; gap: 20px; }
.contact-card {
  background: var(--light); border: 1px solid var(--border);
  border-radius: var(--radius); padding: 24px 22px;
  display: flex; align-items: flex-start; gap: 14px;
}
.contact-card-icon {
  width: 44px; height: 44px; background: var(--primary); border-radius: 12px;
  display: flex; align-items: center; justify-content: center; font-size: 1.2rem;
  flex-shrink: 0;
}
.contact-card-body h4 { font-size: .92rem; font-weight: 700; color: var(--dark); margin-bottom: 4px; }
.contact-card-body p, .contact-card-body a { font-size: .88rem; color: var(--mid); }
.contact-card-body a { color: var(--primary); }

/* form */
.contact-form-wrap {
  background: var(--light); border: 1px solid var(--border);
  border-radius: 20px; padding: 36px 32px;
}
.contact-form-wrap h3 { font-size: 1.2rem; font-weight: 800; color: var(--dark); margin-bottom: 24px; }
.form-group { margin-bottom: 18px; }
.form-group label { display: block; font-size: .85rem; font-weight: 600; color: var(--dark); margin-bottom: 6px; }
.form-group input, .form-group textarea {
  width: 100%; padding: 12px 16px; border: 1.5px solid var(--border);
  border-radius: 10px; font-size: .92rem; font-family: inherit; color: var(--dark);
  background: #fff; transition: border-color .2s, box-shadow .2s; outline: none;
}
.form-group input:focus, .form-group textarea:focus {
  border-color: var(--primary); box-shadow: 0 0 0 3px rgba(2,131,254,.12);
}
.form-group textarea { resize: vertical; min-height: 110px; }
.form-submit { width: 100%; }

/* toast */
.toast {
  position: fixed; top: 80px; left: 50%; transform: translateX(-50%) translateY(-20px);
  background: var(--dark); color: #fff; padding: 12px 24px;
  border-radius: 10px; font-size: .9rem; font-weight: 500;
  opacity: 0; pointer-events: none; z-index: 9999;
  transition: all .3s; white-space: nowrap;
}
.toast.success { background: #16a34a; }
.toast.error { background: #dc2626; }
.toast.show { opacity: 1; transform: translateX(-50%) translateY(0); }

/* ===== FOOTER ===== */
.footer { background: #07111f; color: rgba(255,255,255,.7); padding: 64px 0 0; }
.footer-inner { display: grid; grid-template-columns: 2fr 1fr 1fr; gap: 48px; padding-bottom: 48px; }
.footer-brand .logo { margin-bottom: 12px; }
.footer-brand .logo-text { color: #fff; }
.footer-brand p { font-size: .88rem; color: rgba(255,255,255,.5); max-width: 240px; }
.footer-col h5 { color: #fff; font-size: .85rem; font-weight: 700; margin-bottom: 14px; }
.footer-col a { display: block; font-size: .88rem; color: rgba(255,255,255,.5); margin-bottom: 8px; transition: color .2s; }
.footer-col a:hover { color: var(--primary); }
.footer-col p { font-size: .85rem; color: rgba(255,255,255,.5); margin-bottom: 6px; }
.footer-col a.footer-email { color: var(--primary); }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.08); padding: 24px 0;
  font-size: .78rem; color: rgba(255,255,255,.3); text-align: center;
}

/* ===== RESPONSIVE ===== */
@media (max-width: 1024px) {
  .hero-visual { display: none; }
  .about-grid, .contact-layout { grid-template-columns: 1fr; }
  .privacy-wrap { grid-template-columns: 1fr; }
  .privacy-toc { position: static; }
  .adv-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 768px) {
  .nav-links { display: none; }
  .hamburger { display: block; }
  .steps-grid, .features-grid, .elig-grid { grid-template-columns: 1fr; }
  .footer-inner { grid-template-columns: 1fr; }
  .section-pad { padding: 64px 0; }
  .adv-grid { grid-template-columns: 1fr; }
}
@media (max-width: 480px) {
  .hero-cta-row { flex-direction: column; }
  .hero-trust { flex-direction: column; gap: 10px; }
}