/* Merchants' Choice Payment Solutions — clean white theme */
:root{
  --navy:#16386B;
  --navy-dark:#0f2a52;
  --green:#5AA63C;
  --green-dark:#4a8c31;
  --ink:#1c2430;
  --muted:#5b6675;
  --line:#e8ebef;
  --bg-soft:#f6f8fa;
  --white:#ffffff;
  --shadow:0 1px 2px rgba(16,34,60,.04), 0 8px 24px rgba(16,34,60,.06);
  --radius:14px;
  --maxw:1160px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  font-family:'Inter',-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,Arial,sans-serif;
  color:var(--ink);
  background:var(--white);
  line-height:1.6;
  font-size:17px;
  -webkit-font-smoothing:antialiased;
}
a{color:var(--navy);text-decoration:none}
img{max-width:100%;display:block}
h1,h2,h3{color:var(--navy);line-height:1.15;margin:0 0 .5em;font-weight:800;letter-spacing:-.02em}
h1{font-size:clamp(2.1rem,4.5vw,3.4rem)}
h2{font-size:clamp(1.6rem,3vw,2.3rem)}
h3{font-size:1.18rem}
p{margin:0 0 1rem}
.container{max-width:var(--maxw);margin:0 auto;padding:0 24px}
.eyebrow{color:var(--green);font-weight:700;text-transform:uppercase;letter-spacing:.12em;font-size:.8rem;margin-bottom:.6rem}
.muted{color:var(--muted)}
.center{text-align:center}
.section{padding:88px 0}
.section.alt{background:var(--bg-soft)}
.lead{font-size:1.18rem;color:var(--muted);max-width:680px}
.center .lead{margin-left:auto;margin-right:auto}

/* Buttons */
.btn{display:inline-flex;align-items:center;gap:.5rem;font-weight:700;font-size:1rem;padding:13px 24px;border-radius:10px;border:2px solid transparent;cursor:pointer;transition:.18s}
.btn-primary{background:var(--green);color:#fff;border-color:var(--green)}
.btn-primary:hover{background:var(--green-dark);border-color:var(--green-dark)}
.btn-secondary{background:#fff;color:var(--navy);border-color:#d4dae2}
.btn-secondary:hover{border-color:var(--navy);background:#fff}
.btn-navy{background:var(--navy);color:#fff;border-color:var(--navy)}
.btn-navy:hover{background:var(--navy-dark)}

/* Top utility bar */
.topbar{background:var(--navy);color:#cfe0f5;font-size:.86rem}
.topbar .container{display:flex;justify-content:space-between;align-items:center;gap:16px;padding-top:9px;padding-bottom:9px;flex-wrap:wrap}
.topbar a{color:#fff}
.topbar .topbar-info span{margin-right:18px;white-space:nowrap}

/* Header / nav */
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.92);backdrop-filter:saturate(180%) blur(8px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;gap:24px;padding:14px 24px;max-width:var(--maxw);margin:0 auto}
.brand img{height:50px;width:auto}
.nav-links{display:flex;align-items:center;gap:28px;list-style:none;margin:0;padding:0}
.nav-links a{font-weight:600;color:var(--ink);font-size:.98rem;padding:6px 0;border-bottom:2px solid transparent}
.nav-links a:hover,.nav-links a.active{color:var(--navy);border-bottom-color:var(--green)}
.nav-cta{display:flex;align-items:center;gap:14px}
.menu-toggle{display:none;background:none;border:0;font-size:1.6rem;color:var(--navy);cursor:pointer}

/* Hero */
.hero{background:linear-gradient(180deg,#fff 0%,var(--bg-soft) 100%);border-bottom:1px solid var(--line)}
.hero .container{display:grid;grid-template-columns:1.1fr .9fr;gap:54px;align-items:center;padding-top:84px;padding-bottom:84px}
.hero h1 span{color:var(--green)}
.hero .badges{display:flex;flex-wrap:wrap;gap:10px;margin:22px 0 28px}
.badge{background:#fff;border:1px solid var(--line);border-radius:999px;padding:7px 15px;font-size:.86rem;font-weight:600;color:var(--navy);box-shadow:var(--shadow)}
.hero-actions{display:flex;gap:14px;flex-wrap:wrap}
.hero-card{background:#fff;border:1px solid var(--line);border-radius:18px;box-shadow:var(--shadow);padding:30px}
.hero-card h3{color:var(--navy);margin-bottom:18px}
.stat-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.stat{padding:16px;border-radius:12px;background:var(--bg-soft)}
.stat .num{font-size:1.9rem;font-weight:800;color:var(--green);line-height:1}
.stat .lbl{font-size:.82rem;color:var(--muted);margin-top:6px}

/* Trust strip */
.trust{padding:34px 0;border-bottom:1px solid var(--line);background:#fff}
.trust p{text-align:center;color:var(--muted);font-size:.82rem;text-transform:uppercase;letter-spacing:.12em;font-weight:700;margin-bottom:18px}
.trust-logos{display:flex;flex-wrap:wrap;justify-content:center;align-items:center;gap:14px}
.chip{border:1px solid var(--line);border-radius:10px;padding:12px 20px;font-weight:800;color:var(--navy);background:#fff;font-size:1rem;letter-spacing:.01em}
.chip .g{color:var(--green)}

/* Cards / grids */
.grid{display:grid;gap:24px}
.grid-3{grid-template-columns:repeat(3,1fr)}
.grid-2{grid-template-columns:repeat(2,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px;box-shadow:var(--shadow);transition:.18s}
.card:hover{transform:translateY(-3px);box-shadow:0 10px 30px rgba(16,34,60,.10)}
.card .ico{width:46px;height:46px;border-radius:11px;background:rgba(90,166,60,.12);display:flex;align-items:center;justify-content:center;margin-bottom:16px}
.card .ico svg{width:24px;height:24px;stroke:var(--green)}
.card h3{margin-bottom:.4rem}
.card p{color:var(--muted);margin-bottom:1rem}
.card .link{font-weight:700;color:var(--navy);font-size:.95rem}
.card .link:hover{color:var(--green)}

/* Section heading block */
.sec-head{max-width:720px;margin:0 auto 48px}
.sec-head.center{text-align:center}

/* Testimonials */
.quote{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px;box-shadow:var(--shadow)}
.quote p{font-size:1.05rem;color:var(--ink);font-style:italic}
.quote .who{font-style:normal;font-weight:700;color:var(--navy);margin-top:10px;font-size:.95rem}
.quote .who span{display:block;color:var(--muted);font-weight:500;font-size:.86rem}
.stars{color:var(--green);letter-spacing:2px;margin-bottom:10px}

/* FAQ */
.faq details{background:#fff;border:1px solid var(--line);border-radius:12px;padding:0 22px;margin-bottom:12px;box-shadow:var(--shadow)}
.faq summary{cursor:pointer;font-weight:700;color:var(--navy);padding:18px 0;list-style:none;display:flex;justify-content:space-between;align-items:center}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";color:var(--green);font-size:1.5rem;font-weight:700}
.faq details[open] summary::after{content:"–"}
.faq details p{color:var(--muted);padding-bottom:18px;margin:0}

/* Split / about */
.split{display:grid;grid-template-columns:1fr 1fr;gap:54px;align-items:center}
.split ul{list-style:none;padding:0;margin:18px 0 0}
.split li{padding:10px 0 10px 32px;position:relative;color:var(--ink)}
.split li::before{content:"";position:absolute;left:0;top:16px;width:16px;height:16px;border-radius:4px;background:var(--green)}
.media-box{background:linear-gradient(135deg,var(--navy),#27568f);border-radius:18px;padding:48px;color:#fff;box-shadow:var(--shadow)}
.media-box .num{font-size:3.4rem;font-weight:800;line-height:1}
.media-box .sub{opacity:.9;margin-top:8px}
.media-box hr{border:0;border-top:1px solid rgba(255,255,255,.2);margin:24px 0}

/* CTA band */
.cta-band{background:var(--navy);color:#fff;text-align:center;padding:72px 0}
.cta-band h2{color:#fff}
.cta-band p{color:#cfe0f5;max-width:620px;margin:0 auto 26px}

/* Contact */
.contact-grid{display:grid;grid-template-columns:1fr 1.1fr;gap:48px;align-items:start}
.info-item{display:flex;gap:14px;margin-bottom:22px}
.info-item .ico{flex:0 0 44px;width:44px;height:44px;border-radius:11px;background:rgba(22,56,107,.08);display:flex;align-items:center;justify-content:center}
.info-item .ico svg{width:22px;height:22px;stroke:var(--navy)}
.info-item h3{margin:0 0 2px;font-size:1.02rem}
.info-item p{margin:0;color:var(--muted)}
form .row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
label{display:block;font-weight:600;font-size:.9rem;margin:0 0 6px;color:var(--ink)}
.field{margin-bottom:16px}
input,textarea,select{width:100%;padding:12px 14px;border:1px solid #d4dae2;border-radius:10px;font:inherit;color:var(--ink);background:#fff}
input:focus,textarea:focus{outline:none;border-color:var(--navy);box-shadow:0 0 0 3px rgba(22,56,107,.12)}
textarea{min-height:130px;resize:vertical}

/* Footer */
.site-footer{background:#0f2a52;color:#c3d3ea;padding:60px 0 28px;font-size:.95rem}
.footer-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1.2fr;gap:36px}
.site-footer h4{color:#fff;font-size:.95rem;text-transform:uppercase;letter-spacing:.08em;margin:0 0 16px}
.site-footer a{color:#c3d3ea;display:block;padding:5px 0}
.site-footer a:hover{color:#fff}
.footer-logo{background:#fff;border-radius:10px;padding:12px;display:inline-block;margin-bottom:16px}
.footer-logo img{height:46px}
.footer-bottom{border-top:1px solid rgba(255,255,255,.12);margin-top:40px;padding-top:22px;display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px;color:#8fa6c4;font-size:.86rem}

/* Page banner */
.page-banner{background:linear-gradient(180deg,var(--bg-soft),#fff);border-bottom:1px solid var(--line);padding:64px 0 56px;text-align:center}
.page-banner .lead{margin:0 auto}

/* Responsive */
@media(max-width:900px){
  .hero .container,.split,.contact-grid{grid-template-columns:1fr}
  .grid-3{grid-template-columns:1fr 1fr}
  .footer-grid{grid-template-columns:1fr 1fr}
  .nav-links{display:none}
  .nav-links.open{display:flex;position:absolute;top:78px;left:0;right:0;flex-direction:column;background:#fff;border-bottom:1px solid var(--line);padding:18px 24px;gap:14px}
  .menu-toggle{display:block}
}
@media(max-width:560px){
  .grid-3,.grid-2,.stat-grid,form .row{grid-template-columns:1fr}
  .topbar .topbar-info span{display:inline-block}
  .footer-grid{grid-template-columns:1fr}
  .section{padding:60px 0}
}