/* Page styles for /bnpl/, from acu-website bnpl.html (tools/import-kit-page.py). */

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

:root {
  --navy: #1B2A4A; --navy-light: #243658; --navy-dark: #111d33;
  --orange: #C75B12; --orange-light: #d9762e; --gold: #D4952B;
  --cream: #E8E6E2; --offwhite: #F2F0EC; --midgray: #6B7280;
  --slate: #1F2937; --teal: #005984;
  --surface: #E8E4DF; --surface-light: #f0ede9; --surface-dark: #d4d0cb;
  --shadow-raised: 8px 8px 20px rgba(166,162,155,0.45), -8px -8px 20px rgba(255,255,255,0.8);
  --shadow-raised-sm: 4px 4px 10px rgba(166,162,155,0.4), -4px -4px 10px rgba(255,255,255,0.7);
  --shadow-inset: inset 4px 4px 10px rgba(166,162,155,0.4), inset -4px -4px 10px rgba(255,255,255,0.7);
  --shadow-raised-hover: 10px 10px 25px rgba(166,162,155,0.5), -10px -10px 25px rgba(255,255,255,0.85);
  --dark-shadow-raised: 8px 8px 20px rgba(10,16,30,0.6), -8px -8px 20px rgba(40,55,90,0.3);
  --ease-out-expo: cubic-bezier(0.16, 1, 0.3, 1);
  --ease-out-quart: cubic-bezier(0.25, 1, 0.5, 1);
  --section-pad: clamp(80px, 10vw, 140px);
}

html { scroll-behavior: smooth; font-size: 16px; overflow-x: hidden; }
body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
  background: var(--surface); color: var(--slate); line-height: 1.6;
  overflow-x: hidden; -webkit-font-smoothing: antialiased;
}

/* Animations */
@keyframes fadeInUp { from { opacity:0; transform:translateY(50px); } to { opacity:1; transform:translateY(0); } }
@keyframes shimmer { 0% { background-position:-200% 0; } 100% { background-position:200% 0; } }
@keyframes float { 0%,100%{transform:translateY(0)} 50%{transform:translateY(-10px)} }

.reveal { opacity:0; transform:translateY(40px); transition: opacity 0.9s var(--ease-out-expo), transform 0.9s var(--ease-out-expo); }
.reveal.visible { opacity:1; transform:translateY(0); }
.reveal-left { opacity:0; transform:translateX(-50px); transition: opacity 0.9s var(--ease-out-expo), transform 0.9s var(--ease-out-expo); }
.reveal-left.visible { opacity:1; transform:translateX(0); }
.reveal-right { opacity:0; transform:translateX(50px); transition: opacity 0.9s var(--ease-out-expo), transform 0.9s var(--ease-out-expo); }
.reveal-right.visible { opacity:1; transform:translateX(0); }
.stagger-1{transition-delay:.1s} .stagger-2{transition-delay:.2s} .stagger-3{transition-delay:.3s}
.stagger-4{transition-delay:.4s} .stagger-5{transition-delay:.5s} .stagger-6{transition-delay:.6s}
.shimmer-text {
  background: linear-gradient(90deg, var(--orange) 0%, var(--gold) 50%, var(--orange) 100%);
  background-size: 200% auto; -webkit-background-clip: text; -webkit-text-fill-color: transparent;
  background-clip: text; animation: shimmer 3s linear infinite;
}

/* Nav */
.nav { position:fixed; top:0; left:0; right:0; z-index:1000; padding:24px 40px; display:flex; align-items:center; justify-content:space-between; transition:all 0.5s var(--ease-out-quart); background:transparent; }
.nav.scrolled { padding:12px 40px; background:rgba(232,228,223,0.85); backdrop-filter:blur(20px) saturate(180%); -webkit-backdrop-filter:blur(20px) saturate(180%); box-shadow:0 1px 30px rgba(27,42,74,0.08); }
.nav-logo img { height:120px; transition:all 0.5s var(--ease-out-quart); filter:brightness(0) invert(1); }
.nav.scrolled .nav-logo img { height:38px; filter:none; }
.nav-links { display:flex; align-items:center; gap:6px; list-style:none; }
.nav-links a { color:white; text-decoration:none; font-size:0.875rem; font-weight:500; padding:8px 16px; border-radius:12px; transition:all 0.3s ease; letter-spacing:0.01em; }
.nav-links a:hover { background:rgba(255,255,255,0.12); }
.nav.scrolled .nav-links a { color:var(--navy); }
.nav.scrolled .nav-links a:hover { background:rgba(27,42,74,0.06); box-shadow:var(--shadow-raised-sm); }
.nav-cta { background:var(--orange)!important; color:white!important; padding:10px 24px!important; border-radius:14px!important; font-weight:600!important; box-shadow:0 4px 15px rgba(199,91,18,0.3)!important; transition:all 0.3s ease!important; }
.nav.scrolled .nav-cta { background:var(--navy)!important; box-shadow:var(--shadow-raised-sm)!important; }
.nav-cta:hover { background:var(--gold)!important; transform:translateY(-2px); box-shadow:0 8px 25px rgba(212,149,43,0.4)!important; }
.nav.scrolled .nav-cta:hover { background:var(--orange)!important; box-shadow:0 8px 25px rgba(199,91,18,0.3)!important; }
.nav-toggle { display:none; flex-direction:column; gap:5px; cursor:pointer; z-index:1001; padding:8px; }
.nav-toggle span { width:24px; height:2px; background:white; border-radius:2px; transition:all 0.3s ease; }
.nav.scrolled .nav-toggle span { background:var(--navy); }
.nav-toggle.active span:nth-child(1){transform:rotate(45deg) translate(5px,5px)} .nav-toggle.active span:nth-child(2){opacity:0} .nav-toggle.active span:nth-child(3){transform:rotate(-45deg) translate(5px,-5px)}

/* Split-Curtain Hero */
.hero { min-height: 100vh; display: flex; position: relative; overflow: hidden; background: var(--navy); }
.hero-left { flex: 0 0 48%; background: var(--navy); padding: 160px 60px 80px; display: flex; flex-direction: column; justify-content: center; position: relative; z-index: 2; }
.hero-est { display: inline-flex; align-items: center; gap: 12px; margin-bottom: 32px; opacity: 0; animation: fadeInUp 0.8s var(--ease-out-expo) 0.3s forwards; }
.hero-est-badge { font-family: 'futura-pt', 'Futura PT','Futura','Baumans',sans-serif; font-size: 0.8rem; font-weight: 600; letter-spacing: 0.12em; text-transform: uppercase; color: white; background: rgba(199,91,18,0.15); border: 1px solid rgba(199,91,18,0.3); padding: 8px 20px; border-radius: 24px; display: inline-flex; align-items: center; gap: 8px; }
.hero-est-dot { width: 8px; height: 8px; border-radius: 50%; background: linear-gradient(135deg, var(--orange), var(--gold)); }
.hero-title { font-family: 'futura-pt', 'Futura PT','Futura','Baumans',sans-serif; font-size: clamp(2.8rem, 5.5vw, 4.5rem); line-height: 1.08; color: white; margin-bottom: 24px; max-width: 600px; opacity: 0; animation: fadeInUp 0.8s var(--ease-out-expo) 0.5s forwards; }
.hero-title .accent { background: linear-gradient(135deg, var(--orange), var(--gold)); -webkit-background-clip: text; -webkit-text-fill-color: transparent; background-clip: text; }
.hero-subtitle { font-size: 1.1rem; line-height: 1.7; color: rgba(255,255,255,0.6); margin-bottom: 40px; max-width: 480px; opacity: 0; animation: fadeInUp 0.8s var(--ease-out-expo) 0.7s forwards; }
.hero-actions { display: flex; gap: 16px; flex-wrap: wrap; opacity: 0; animation: fadeInUp 0.8s var(--ease-out-expo) 0.9s forwards; }
.hero-right { flex: 1; position: relative; overflow: hidden; }
.hero-right img { width: 100%; height: 100%; object-fit: cover; object-position: center 30%; }
.hero-right::after { content: ''; position: absolute; inset: 0; background: linear-gradient(to right, rgba(27,42,74,0.18), transparent 40%); z-index: 1; }
.hero .btn-glow { background: linear-gradient(135deg, var(--orange), var(--gold)); color: white; box-shadow: 0 8px 30px rgba(199,91,18,0.4); }
.hero .btn-glow:hover { transform: translateY(-3px) scale(1.02); box-shadow: 0 12px 40px rgba(199,91,18,0.5); }
.hero .btn-outline-light { background: transparent; color: white; border: 1.5px solid rgba(255,255,255,0.25); box-shadow: none; }
.hero .btn-outline-light:hover { border-color: var(--gold); color: var(--gold); }

/* Buttons */
.btn-glow { background:linear-gradient(135deg, var(--orange), var(--gold)); color:white; padding:18px 40px; border-radius:18px; font-size:1rem; font-weight:600; text-decoration:none; display:inline-flex; align-items:center; gap:10px; box-shadow:0 8px 30px rgba(199,91,18,0.4); transition:all 0.35s ease; border:none; cursor:pointer; }
.btn-glow:hover { transform:translateY(-3px) scale(1.02); box-shadow:0 12px 40px rgba(199,91,18,0.5); }
.btn-outline-light { color:white; border:1.5px solid rgba(255,255,255,0.25); padding:18px 40px; border-radius:18px; font-size:1rem; font-weight:500; text-decoration:none; display:inline-flex; align-items:center; gap:10px; transition:all 0.35s ease; background:transparent; cursor:pointer; }
.btn-outline-light:hover { border-color:var(--gold); color:var(--gold); transform:translateY(-2px); }
.btn-neu { display:inline-flex; align-items:center; gap:10px; padding:16px 36px; border-radius:18px; font-size:0.95rem; font-weight:600; text-decoration:none; cursor:pointer; border:none; transition:all 0.35s var(--ease-out-quart); }
.btn-primary { background:var(--navy); color:white; box-shadow:6px 6px 16px rgba(27,42,74,0.35), -3px -3px 10px rgba(255,255,255,0.62); }
.btn-primary:hover { background:var(--orange); transform:translateY(-3px); box-shadow:0 12px 30px rgba(199,91,18,0.35); }
.btn-icon { width:20px; height:20px; transition:transform 0.3s ease; }
.btn-glow:hover .btn-icon { transform:translateX(4px); }

/* Sections */
.section { padding:var(--section-pad) 40px; position:relative; }
.section-inner { max-width:1280px; margin:0 auto; }
.section-header { text-align:center; margin-bottom:64px; }
.section-label { font-family:'futura-pt', 'Futura PT','Futura','Baumans',sans-serif; font-size:0.8rem; letter-spacing:0.15em; text-transform:uppercase; color:var(--orange); margin-bottom:16px; display:flex; align-items:center; justify-content:center; gap:12px; }
.section-label::before, .section-label::after { content:''; width:24px; height:1px; background:var(--orange); }
.section-title { font-family:'futura-pt', 'Futura PT','Futura','Baumans',sans-serif; font-size:clamp(2rem,4vw,3rem); color:var(--navy); line-height:1.15; margin-bottom:16px; }
.section-desc { font-size:1.05rem; color:var(--midgray); max-width:560px; margin:0 auto; line-height:1.65; }

/* ═══════════════════════════════════════════
   TWO PLAN COMPARISON
   ═══════════════════════════════════════════ */
.plans-grid {
  display: grid; grid-template-columns: 1fr 1fr; gap: 32px;
}
.plan-card {
  background: var(--surface); border-radius: 28px;
  box-shadow: var(--shadow-raised); padding: 48px 40px;
  position: relative; overflow: hidden;
  transition: all 0.4s var(--ease-out-quart);
}
.plan-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-raised-hover); }
.plan-card::before {
  content: ''; position: absolute; top: 0; left: 0; right: 0; height: 4px;
}
.plan-card.split::before { background: linear-gradient(90deg, var(--orange), var(--gold)); }
.plan-card.plan::before { background: linear-gradient(90deg, var(--teal), var(--navy)); }
.plan-badge {
  display: inline-flex; align-items: center; gap: 6px;
  padding: 6px 14px; border-radius: 10px;
  font-size: 0.72rem; font-weight: 700; text-transform: uppercase;
  letter-spacing: 0.08em; margin-bottom: 20px;
}
.plan-card.split .plan-badge { background: rgba(199,91,18,0.1); color: var(--orange); }
.plan-card.plan .plan-badge { background: rgba(0,89,132,0.1); color: var(--teal); }
.plan-card h3 {
  font-family:'futura-pt', 'Futura PT','Futura','Baumans',sans-serif;
  font-size: 1.6rem; color: var(--navy); margin-bottom: 12px; line-height: 1.2;
}
.plan-card > p {
  font-size: 0.92rem; color: var(--midgray); line-height: 1.65; margin-bottom: 28px;
}
.plan-rate-row {
  display: flex; align-items: baseline; gap: 8px;
  margin-bottom: 28px; padding-bottom: 28px;
  border-bottom: 1px solid rgba(0,0,0,0.06);
}
.plan-rate {
  font-family:'futura-pt', 'Futura PT','Futura','Baumans',sans-serif;
  font-size: 2.4rem; line-height: 1;
}
.plan-card.split .plan-rate { color: var(--orange); }
.plan-card.plan .plan-rate { color: var(--teal); }
.plan-rate-label { font-size: 0.82rem; color: var(--midgray); }
.plan-features { list-style: none; }
.plan-features li {
  display: flex; align-items: flex-start; gap: 12px;
  padding: 10px 0; font-size: 0.88rem; color: var(--slate); line-height: 1.5;
}
.plan-features li svg { width: 18px; height: 18px; flex-shrink: 0; margin-top: 2px; }
.plan-card.split .plan-features li svg { fill: var(--orange); }
.plan-card.plan .plan-features li svg { fill: var(--teal); }
.plan-use-cases {
  margin-top: 24px; padding-top: 24px;
  border-top: 1px solid rgba(0,0,0,0.06);
}
.plan-use-cases-label {
  font-size: 0.75rem; font-weight: 600; text-transform: uppercase;
  letter-spacing: 0.08em; color: var(--midgray); margin-bottom: 12px;
}
.plan-tags {
  display: flex; flex-wrap: wrap; gap: 8px;
}
.plan-tag {
  padding: 6px 14px; border-radius: 10px; font-size: 0.78rem; font-weight: 500;
  background: var(--surface-light); color: var(--slate);
  box-shadow: var(--shadow-raised-sm);
}

/* ═══════════════════════════════════════════
   HOW IT WORKS STEPS
   ═══════════════════════════════════════════ */
.steps-track {
  display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px;
  position: relative;
}
.steps-track::before {
  content: ''; position: absolute;
  top: 40px; left: 12.5%; right: 12.5%;
  height: 2px; background: linear-gradient(90deg, var(--orange), var(--gold), var(--orange));
  opacity: 0.2;
}
.step-card {
  text-align: center; position: relative; z-index: 2;
}
.step-number {
  width: 56px; height: 56px; border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 20px;
  font-family:'futura-pt', 'Futura PT','Futura','Baumans',sans-serif;
  font-size: 1.2rem; font-weight: 700; color: white;
  background: linear-gradient(135deg, var(--orange), var(--gold));
  box-shadow: 0 6px 20px rgba(199,91,18,0.3);
}
.step-card h3 {
  font-family:'futura-pt', 'Futura PT','Futura','Baumans',sans-serif;
  font-size: 1.05rem; color: var(--navy); margin-bottom: 8px;
}
.step-card p {
  font-size: 0.85rem; color: var(--midgray); line-height: 1.55; max-width: 240px; margin: 0 auto;
}

/* ═══════════════════════════════════════════
   BENEFITS GRID
   ═══════════════════════════════════════════ */
.benefits-grid {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px;
}
.benefit-card {
  background: var(--surface); border-radius: 22px; padding: 32px 28px;
  box-shadow: var(--shadow-raised-sm);
  transition: all 0.4s var(--ease-out-quart);
}
.benefit-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-raised); }
.benefit-icon {
  width: 52px; height: 52px; border-radius: 16px;
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 20px; box-shadow: var(--shadow-raised-sm);
  background: linear-gradient(135deg, rgba(199,91,18,0.08), rgba(212,149,43,0.08));
  transition: all 0.3s ease;
}
.benefit-card:hover .benefit-icon { box-shadow: var(--shadow-inset); }
.benefit-icon svg { width: 26px; height: 26px; fill: var(--orange); }
.benefit-card h3 {
  font-family:'futura-pt', 'Futura PT','Futura','Baumans',sans-serif;
  font-size: 1.05rem; color: var(--navy); margin-bottom: 10px;
}
.benefit-card p {
  font-size: 0.85rem; color: var(--midgray); line-height: 1.6;
}

/* ═══════════════════════════════════════════
   ELIGIBILITY
   ═══════════════════════════════════════════ */
.eligibility-layout {
  display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: stretch;
}
.eligibility-card {
  background: var(--surface); border-radius: 28px;
  box-shadow: var(--shadow-raised); padding: 44px 40px;
  position: relative; overflow: hidden;
}
.eligibility-card::before {
  content: ''; position: absolute; top: 0; left: 0; right: 0; height: 4px;
  background: linear-gradient(90deg, var(--orange), var(--gold));
}
.eligibility-card h3 {
  font-family:'futura-pt', 'Futura PT','Futura','Baumans',sans-serif;
  font-size: 1.3rem; color: var(--navy); margin-bottom: 8px;
}
.eligibility-card > p {
  font-size: 0.9rem; color: var(--midgray); line-height: 1.6; margin-bottom: 24px;
}
.eligibility-list { list-style: none; }
.eligibility-list li {
  display: flex; align-items: flex-start; gap: 12px;
  padding: 10px 0; font-size: 0.88rem; color: var(--slate); line-height: 1.5;
  border-bottom: 1px solid rgba(0,0,0,0.04);
}
.eligibility-list li:last-child { border: none; }
.eligibility-list li svg { width: 18px; height: 18px; fill: var(--gold); flex-shrink: 0; margin-top: 2px; }
.exclusion-list li svg { fill: var(--midgray); }

/* ═══════════════════════════════════════════
   FAQ ACCORDION
   ═══════════════════════════════════════════ */
.faq-list {
  max-width: 800px; margin: 0 auto;
}
.faq-item {
  background: var(--surface); border-radius: 18px;
  box-shadow: var(--shadow-raised-sm); margin-bottom: 12px;
  overflow: hidden; transition: all 0.3s ease;
}
.faq-item:hover { box-shadow: var(--shadow-raised); }
.faq-question {
  width: 100%; padding: 22px 28px; border: none; background: none;
  display: flex; align-items: center; justify-content: space-between;
  font-family: 'Inter', sans-serif; font-size: 0.95rem; font-weight: 600;
  color: var(--navy); cursor: pointer; text-align: left;
  transition: color 0.3s ease;
}
.faq-question:hover { color: var(--orange); }
.faq-chevron {
  width: 20px; height: 20px; fill: var(--midgray); flex-shrink: 0;
  transition: transform 0.3s ease;
}
.faq-item.open .faq-chevron { transform: rotate(180deg); }
.faq-answer {
  max-height: 0; overflow: hidden;
  transition: max-height 0.4s var(--ease-out-quart), padding 0.3s ease;
}
.faq-item.open .faq-answer { max-height: 300px; }
.faq-answer-inner {
  padding: 0 28px 22px;
  font-size: 0.88rem; color: var(--midgray); line-height: 1.65;
}

/* CTA */
.cta-section { text-align:center; background:linear-gradient(135deg, var(--navy) 0%, var(--navy-dark) 100%); position:relative; overflow:hidden; }
.cta-section::before { content:''; position:absolute; width:800px; height:800px; background:radial-gradient(circle, rgba(199,91,18,0.12), transparent 65%); top:-400px; left:50%; transform:translateX(-50%); }
.cta-section .section-inner { position:relative; z-index:2; }
.cta-title { font-family:'futura-pt', 'Futura PT','Futura','Baumans',sans-serif; font-size:clamp(2.2rem,4.5vw,3.5rem); color:white; margin-bottom:20px; line-height:1.15; }
.cta-desc { font-size:1.1rem; color:rgba(255,255,255,0.6); max-width:520px; margin:0 auto 36px; line-height:1.65; }
.cta-actions { display:flex; gap:16px; justify-content:center; flex-wrap:wrap; }

/* Footer */
.footer { background:var(--slate); padding:80px 40px 40px; color:rgba(255,255,255,0.7); }
.footer-grid { max-width:1280px; margin:0 auto; display:grid; grid-template-columns:2fr 1fr 1fr 1fr 1fr; gap:40px; padding-bottom:60px; border-bottom:1px solid rgba(255,255,255,0.08); }
.footer-brand img { height:44px; margin-bottom:16px; }
.footer-brand p { font-size:0.85rem; line-height:1.6; max-width:280px; color:rgba(255,255,255,0.62); }
.footer-col h4, .footer-col .footer-h { font-family:'futura-pt', 'Futura PT','Futura','Baumans',sans-serif; font-size:0.9rem; color:white; margin-bottom:16px; }
.footer-col ul { list-style:none; } .footer-col li { margin-bottom:10px; }
.footer-col a { color:rgba(255,255,255,0.62); text-decoration:none; font-size:0.85rem; transition:color 0.3s ease; }
.footer-col a:hover { color:var(--gold); }
.footer-contact-item { display:flex; align-items:center; gap:10px; margin-bottom:12px; font-size:0.85rem; }
.footer-contact-item svg { width:16px; height:16px; fill:var(--gold); flex-shrink:0; }
.footer-bottom { max-width:1280px; margin:0 auto; padding-top:30px; display:flex; align-items:center; justify-content:space-between; flex-wrap:wrap; gap:20px; }
.footer-bottom p { font-size:0.75rem; color:rgba(255,255,255,0.35); }
.footer-badges { display:flex; align-items:center; gap:20px; }
.footer-badges img { height:32px; opacity:0.6; }
.footer-social { display:flex; gap:10px; }
.footer-social a { width:38px; height:38px; border-radius:12px; background:rgba(255,255,255,0.06); display:flex; align-items:center; justify-content:center; transition:all 0.3s ease; }
.footer-social a:hover { background:var(--orange); transform:translateY(-2px); }
.footer-social svg { width:18px; height:18px; fill:rgba(255,255,255,0.6); }
.footer-social a:hover svg { fill:white; }

/* Responsive */
@media (max-width:1024px) {
  .hero { flex-direction: column; } .hero-left { flex: 0 0 auto; min-height: 60vh; padding: 120px 40px 60px; } .hero-right { flex: 0 0 40vh; }
  .plans-grid { grid-template-columns: 1fr; }
  .steps-track { grid-template-columns: repeat(2, 1fr); }
  .steps-track::before { display: none; }
  .benefits-grid { grid-template-columns: repeat(2, 1fr); }
  .eligibility-layout { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width:768px) {
  .nav{padding:16px 20px} .nav.scrolled{padding:12px 20px}
  .nav-links{display:none;position:fixed;top:0;left:0;right:0;bottom:0;background:rgba(232,228,223,0.98);backdrop-filter:blur(20px);flex-direction:column;align-items:center;justify-content:center;gap:12px}
  .nav-links.open{display:flex} .nav-toggle{display:flex}
  .nav-links.open a{color:var(--navy)!important} .nav-links.open a:hover{background:rgba(27,42,74,0.06)}
  .hero-left { padding: 100px 20px 40px; min-height: 55vh; } .hero-right { flex: 0 0 35vh; } .hero-actions { flex-direction:column; align-items:stretch; text-align:center; }
  .section{padding:60px 20px} .section-header{margin-bottom:40px}
  .steps-track{grid-template-columns:1fr}
  .benefits-grid{grid-template-columns:1fr}
  .plan-card{padding:36px 28px}
  .eligibility-card{padding:32px 24px}
  .footer-grid{grid-template-columns:1fr} .footer-bottom{flex-direction:column;text-align:center}
  .cta-actions{flex-direction:column;align-items:center}
}