/* ==========================================================================
   U.S. Payment Solutions — stylesheet
   White-dominant. Navy is the brand color, red is reserved for money leaving
   the business. Both sampled from the logo, so the logo drops in unmodified.
   Type: Sora (display) / Plus Jakarta Sans (body)

   Color roles — don't collapse these, the contrast depends on the split:
     --navy       #0A2767  logo navy, sampled from the artwork.        14:1 on white
     --navy-ink   #0B182F  headings and body text.                     16:1 on white
     --red        #BD1525  logo red, sampled from the artwork.          6.4:1 on white
     --blue       #1560DE  links, focus rings, active nav.              5.6:1 on white
   ========================================================================== */

/* ---------- 1. Tokens ---------- */
:root{
  --navy:       #0A2767;
  --navy-hover: #143A8C;
  --navy-deep:  #061A47;
  --navy-ink:   #0B182F;

  --red:        #BD1525;
  --red-hover:  #D41B2D;
  --red-soft:   rgba(189,21,37,.09);

  --blue:       #1560DE;
  --navy-soft:  rgba(10,39,103,.07);
  --navy-line:  rgba(10,39,103,.16);

  --bg:         #FFFFFF;
  --bg-alt:     #F5F8FC;
  --bg-deep:    #EDF2F9;

  --text:       #0C1A33;
  --muted:      #5A6B87;
  --line:       #E1E8F2;

  --font-display:'Sora', ui-sans-serif, system-ui, sans-serif;
  --font-body:   'Plus Jakarta Sans', ui-sans-serif, system-ui, -apple-system, sans-serif;

  --r-sm: 10px;
  --r-md: 16px;
  --r-lg: 22px;
  --r-xl: 30px;

  --shadow-sm: 0 2px 8px rgba(12,26,51,.05);
  --shadow-md: 0 12px 32px -12px rgba(12,26,51,.16);
  --shadow-lg: 0 30px 70px -30px rgba(12,26,51,.28);

  --header-h: 92px;
  --pad-x: clamp(20px, 5vw, 48px);
}

/* ---------- 2. Reset & base ---------- */
*,*::before,*::after{ box-sizing:border-box; }

html{
  -webkit-text-size-adjust:100%;
  scroll-behavior:smooth;
  scroll-padding-top: calc(var(--header-h) + 16px);
}

body{
  margin:0;
  font-family:var(--font-body);
  font-size:17px;
  line-height:1.65;
  color:var(--text);
  background:var(--bg);
  -webkit-font-smoothing:antialiased;
  -moz-osx-font-smoothing:grayscale;
  overflow-x:hidden;
}

h1,h2,h3{
  font-family:var(--font-display);
  font-weight:700;
  line-height:1.1;
  letter-spacing:-.025em;
  margin:0;
  color:var(--navy-ink);
  text-wrap:balance;
}
h1{ font-size:clamp(2.5rem, 6vw, 4.35rem); font-weight:800; letter-spacing:-.035em; }
h2{ font-size:clamp(1.95rem, 4vw, 3rem); }
h3{ font-size:1.09rem; letter-spacing:-.015em; }

p{ margin:0; text-wrap:pretty; }
img,svg{ max-width:100%; }
ul,ol{ margin:0; padding:0; list-style:none; }

a{ color:inherit; text-decoration:none; }
button,input,select,textarea{ font:inherit; color:inherit; }

:focus-visible{
  outline:2px solid var(--blue);
  outline-offset:3px;
  border-radius:4px;
}

.visually-hidden{
  position:absolute; width:1px; height:1px;
  padding:0; margin:-1px; overflow:hidden;
  clip:rect(0 0 0 0); white-space:nowrap; border:0;
}

.skip-link{
  position:absolute; top:-100px; left:16px; z-index:200;
  background:var(--navy); color:#fff;
  padding:12px 20px; border-radius:0 0 var(--r-sm) var(--r-sm);
  font-weight:700;
}
.skip-link:focus{ top:0; }

/* ---------- 3. Layout ---------- */
.wrap{
  width:100%;
  max-width:1220px;
  margin-inline:auto;
  padding-inline:var(--pad-x);
}
.wrap-narrow{ max-width:860px; }

/* overflow:hidden clips the decorative radial glows, which are wider than the
   viewport by design and would otherwise create horizontal scroll. */
.section{ padding:clamp(72px, 9vw, 128px) 0; position:relative; overflow:hidden; }
.section-alt{ background:var(--bg-alt); }

.section-head{
  max-width:720px;
  margin:0 auto clamp(44px, 5vw, 68px);
  text-align:center;
}
.section-sub{
  margin-top:18px;
  font-size:1.09rem;
  color:var(--muted);
  line-height:1.7;
}

.eyebrow{
  display:inline-block;
  font-family:var(--font-display);
  font-size:.74rem;
  font-weight:700;
  letter-spacing:.16em;
  text-transform:uppercase;
  color:var(--navy);
  margin-bottom:16px;
}

/* ---------- 4. Buttons ---------- */
.btn{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  gap:9px;
  padding:14px 26px;
  border:0;
  border-radius:999px;
  font-family:var(--font-display);
  font-size:.97rem;
  font-weight:700;
  letter-spacing:-.01em;
  cursor:pointer;
  white-space:nowrap;
  transition:transform .18s cubic-bezier(.3,.8,.4,1), box-shadow .22s, background .18s, color .18s;
}
.btn:active{ transform:translateY(1px) scale(.99); }

.btn-accent{
  background:var(--navy);
  color:#fff;
  box-shadow:0 8px 22px -10px rgba(10,39,103,.75);
}
.btn-accent:hover{
  background:var(--navy-hover);
  transform:translateY(-2px);
  box-shadow:0 14px 30px -12px rgba(10,39,103,.8);
}

.btn-ghost{
  background:#fff;
  color:var(--navy);
  box-shadow:inset 0 0 0 1.5px var(--navy-line);
}
.btn-ghost:hover{
  background:var(--bg-alt);
  box-shadow:inset 0 0 0 1.5px var(--navy);
  transform:translateY(-2px);
}

.btn-sm{ padding:10px 20px; font-size:.9rem; }
.btn-lg{ padding:17px 34px; font-size:1.04rem; }
.btn-block{ display:flex; width:100%; }

/* ---------- 5. Header ---------- */
.site-header{
  position:fixed;
  inset:0 0 auto 0;
  z-index:100;
  height:var(--header-h);
  display:flex;
  align-items:center;
  background:rgba(255,255,255,.86);
  backdrop-filter:blur(16px) saturate(160%);
  -webkit-backdrop-filter:blur(16px) saturate(160%);
  transition:box-shadow .3s, background .3s;
}
.site-header.is-scrolled,
.site-header.nav-open{
  background:rgba(255,255,255,.96);
  box-shadow:0 1px 0 var(--line), 0 14px 30px -26px rgba(12,26,51,.5);
}

.header-inner{
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:28px;
}

/* ---------- 5b. Logo lockup ---------- */
/* The supplied artwork is a square stacked lockup, which is unreadable at
   header height. The header therefore pairs the mark with the wordmark side
   by side; the footer has the room to show the stacked lockup as designed.
   Both are cut from the same source file — see README > "The logo". */
.brand{
  display:inline-flex;
  align-items:center;
  gap:11px;
  flex-shrink:0;
}
.brand-mark-img{ display:block; height:56px; width:auto; }
.brand-word{ display:block; height:35px; width:auto; }
.brand-stacked{ display:block; width:172px; height:auto; }

/* ---------- 5c. Nav ---------- */
.site-nav{
  display:flex;
  align-items:center;
  gap:30px;
}
.site-nav > a:not(.btn){
  position:relative;
  font-size:.95rem;
  font-weight:500;
  color:var(--muted);
  transition:color .18s;
}
.site-nav > a:not(.btn)::after{
  content:'';
  position:absolute;
  left:0; bottom:-6px;
  width:100%; height:2px;
  background:var(--red);
  border-radius:2px;
  transform:scaleX(0);
  transform-origin:left;
  transition:transform .25s cubic-bezier(.3,.8,.4,1);
}
.site-nav > a:not(.btn):hover{ color:var(--navy-ink); }
.site-nav > a.is-active{ color:var(--navy-ink); }
.site-nav > a.is-active::after{ transform:scaleX(1); }

.nav-toggle{
  display:none;
  flex-direction:column;
  justify-content:center;
  gap:5px;
  width:44px; height:44px;
  padding:0;
  background:transparent;
  border:0;
  cursor:pointer;
}
.nav-toggle span{
  display:block;
  height:2px; width:22px;
  margin-inline:auto;
  background:var(--navy);
  border-radius:2px;
  transition:transform .28s cubic-bezier(.3,.8,.4,1), opacity .18s;
}
.nav-toggle[aria-expanded="true"] span:nth-child(1){ transform:translateY(7px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] span:nth-child(2){ opacity:0; }
.nav-toggle[aria-expanded="true"] span:nth-child(3){ transform:translateY(-7px) rotate(-45deg); }

/* ---------- 6. Hero ---------- */
.hero{
  position:relative;
  background:var(--bg);
  padding-top:calc(var(--header-h) + clamp(48px, 7vw, 92px));
  padding-bottom:0;
  overflow:hidden;
}
.hero-glow{
  position:absolute;
  top:-420px; right:-220px;
  width:1000px; height:1000px;
  background:
    radial-gradient(circle at 60% 60%, rgba(189,21,37,.07) 0%, transparent 55%),
    radial-gradient(circle, rgba(10,39,103,.10) 0%, rgba(10,39,103,.03) 40%, transparent 70%);
  pointer-events:none;
}
.hero-grid-lines{
  position:absolute; inset:0;
  background-image:
    linear-gradient(rgba(10,39,103,.055) 1px, transparent 1px),
    linear-gradient(90deg, rgba(10,39,103,.055) 1px, transparent 1px);
  background-size:64px 64px;
  mask-image:radial-gradient(ellipse 90% 65% at 50% 0%, #000 25%, transparent 75%);
  -webkit-mask-image:radial-gradient(ellipse 90% 65% at 50% 0%, #000 25%, transparent 75%);
  pointer-events:none;
}

.hero-inner{
  position:relative;
  display:grid;
  grid-template-columns:1.06fr .94fr;
  gap:clamp(40px, 5vw, 76px);
  align-items:center;
  padding-bottom:clamp(64px, 8vw, 104px);
}

.pill{
  display:inline-flex;
  align-items:center;
  gap:9px;
  padding:8px 17px;
  border-radius:999px;
  background:var(--navy-soft);
  box-shadow:inset 0 0 0 1px var(--navy-line);
  color:var(--navy);
  font-family:var(--font-display);
  font-size:.83rem;
  font-weight:600;
  margin-bottom:26px;
}
.pill-dot{
  width:7px; height:7px;
  border-radius:50%;
  background:var(--red);
  animation:pulse 2.4s ease-out infinite;
}
.pill-us-dot{ color:var(--red); }
.pill-payment{ color:var(--red); font-weight:700; }
.pill-solutions{ font-weight:500; letter-spacing:.08em; }
@keyframes pulse{
  0%{ box-shadow:0 0 0 0 rgba(189,21,37,.5); }
  70%{ box-shadow:0 0 0 9px rgba(189,21,37,0); }
  100%{ box-shadow:0 0 0 0 rgba(189,21,37,0); }
}

/* The highlighted figure is what the business is losing, so it takes the red. */
.hl{
  position:relative;
  color:var(--red);
  white-space:nowrap;
}
.hl::after{
  content:'';
  position:absolute;
  left:0; right:0; bottom:.08em;
  height:.09em;
  background:rgba(189,21,37,.28);
  border-radius:2px;
}

.lede{
  max-width:33em;
  margin-top:24px;
  font-size:clamp(1.03rem, 1.5vw, 1.16rem);
  line-height:1.72;
  color:var(--muted);
}

.hero-actions{
  display:flex;
  flex-wrap:wrap;
  gap:14px;
  margin-top:36px;
}

.trust-chips{
  display:flex;
  flex-wrap:wrap;
  gap:10px;
  margin-top:34px;
}
.trust-chips li{
  padding:8px 14px;
  border-radius:999px;
  box-shadow:inset 0 0 0 1px var(--line);
  font-family:var(--font-display);
  font-size:.65rem;
  font-weight:700;
  letter-spacing:.09em;
  text-transform:uppercase;
  white-space:nowrap;
  color:var(--navy);
}

.lede-2{ margin-top:18px; font-size:1rem; }

.ico{
  width:18px; height:18px;
  flex-shrink:0;
  fill:none;
  stroke:var(--navy);
  stroke-width:1.7;
  stroke-linecap:round;
  stroke-linejoin:round;
}

/* ---------- 7. Hero photo + savings card ---------- */
.hero-visual{ position:relative; }

.hero-photo{
  position:relative;
  aspect-ratio:4 / 5;
  border-radius:var(--r-xl);
  overflow:hidden;
  box-shadow:var(--shadow-lg);
}
.hero-photo img{
  display:block;
  width:100%;
  height:100%;
  object-fit:cover;
  /* Biased left of centre so the 3:2 source keeps the owner's face inside a
     4:5 crop instead of cropping to just the terminal. */
  object-position:38% center;
}

/* Overlaps the photo's lower-left corner, as in the reference layout. */
.savings-card{
  position:absolute;
  left:-26px;
  bottom:38px;
  display:flex;
  align-items:center;
  gap:14px;
  padding:15px 22px 15px 16px;
  border-radius:var(--r-lg);
  background:#fff;
  box-shadow:inset 0 0 0 1px var(--line), var(--shadow-lg);
}
.savings-ico{
  display:flex;
  align-items:center;
  justify-content:center;
  width:44px; height:44px;
  flex-shrink:0;
  border-radius:50%;
  background:var(--navy-soft);
  color:var(--navy);
  font-family:var(--font-display);
  font-size:1.24rem;
  font-weight:800;
}
.savings-text{ display:flex; flex-direction:column; line-height:1.2; }
.savings-lbl{ font-size:.83rem; color:var(--muted); }
.savings-num{
  font-family:var(--font-display);
  font-size:1.5rem;
  font-weight:800;
  letter-spacing:-.03em;
  color:var(--navy-ink);
  font-variant-numeric:tabular-nums;
}

/* ---------- 8. Logo bar ---------- */
.logobar{
  position:relative;
  display:flex;
  flex-wrap:wrap;
  align-items:center;
  gap:18px 40px;
  padding-block:30px;
  border-top:1px solid var(--line);
}
.logobar-label{
  font-size:.83rem;
  color:var(--muted);
  flex-shrink:0;
}
.logobar-list{
  display:flex;
  flex-wrap:wrap;
  gap:16px 34px;
  align-items:center;
}
.logobar-list li{ display:flex; align-items:center; }
.logobar-list img{
  display:block;
  height:22px;
  width:auto;
  opacity:.82;
  transition:opacity .2s;
}
.logobar-list li:hover img{ opacity:1; }

/* ---------- 8b. Tagline band ---------- */
.tagband{
  background:var(--bg-alt);
  border-top:1px solid var(--line);
  padding:clamp(52px, 6vw, 78px) 0;
}
.tagband-grid{
  display:grid;
  grid-template-columns:repeat(3, 1fr);
  gap:clamp(20px, 3vw, 40px);
}
.tagband-item{
  padding-left:clamp(20px, 3vw, 40px);
  border-left:1px solid var(--line);
}
.tagband-item:first-child{ padding-left:0; border-left:0; }

.tagband-num{
  display:block;
  margin-bottom:14px;
  font-family:var(--font-display);
  font-size:.78rem;
  font-weight:800;
  letter-spacing:.15em;
  color:var(--red);
}
.tagband-item h2{
  font-size:1.34rem;
  letter-spacing:-.02em;
  margin-bottom:11px;
}
.tagband-item p{
  font-size:.93rem;
  line-height:1.66;
  color:var(--muted);
}

/* ---------- 10. Cards ---------- */
.cards-4{
  display:grid;
  grid-template-columns:repeat(4, 1fr);
  gap:20px;
}
.cards-3{
  display:grid;
  grid-template-columns:repeat(3, 1fr);
  gap:20px;
}
.card{
  padding:30px 26px;
  border-radius:var(--r-lg);
  background:#fff;
  box-shadow:inset 0 0 0 1px var(--line), var(--shadow-sm);
  transition:transform .3s cubic-bezier(.3,.8,.4,1), box-shadow .3s;
}
.card:hover{
  transform:translateY(-5px);
  box-shadow:inset 0 0 0 1px var(--navy-line), var(--shadow-md);
}
.card h3{ margin-bottom:9px; }
.card p{ font-size:.94rem; color:var(--muted); line-height:1.65; }

.card-ico{
  display:flex;
  align-items:center;
  justify-content:center;
  width:46px; height:46px;
  margin-bottom:20px;
  border-radius:13px;
  background:var(--navy-soft);
}
.card-ico svg{
  width:22px; height:22px;
  fill:none;
  stroke:var(--navy);
  stroke-width:1.8;
  stroke-linecap:round;
  stroke-linejoin:round;
}

.card-tags{
  display:flex;
  flex-wrap:wrap;
  gap:8px;
  margin-top:16px;
  padding-top:16px;
  border-top:1px solid var(--line);
}
.card-tags li{
  font-size:.78rem;
  font-weight:600;
  color:var(--navy);
  background:var(--navy-soft);
  box-shadow:inset 0 0 0 1px var(--navy-line);
  padding:5px 11px;
  border-radius:999px;
}

/* ---------- 11. Calculator ---------- */
.calc-glow{
  position:absolute;
  bottom:-320px; left:50%;
  transform:translateX(-50%);
  width:1100px; height:700px;
  background:radial-gradient(ellipse, rgba(10,39,103,.07) 0%, transparent 66%);
  pointer-events:none;
}

.calc{
  position:relative;
  display:grid;
  grid-template-columns:1.08fr .92fr;
  border-radius:var(--r-xl);
  overflow:hidden;
  background:#fff;
  box-shadow:inset 0 0 0 1px var(--line), var(--shadow-lg);
}

.calc-controls{
  padding:clamp(30px, 4vw, 46px);
  display:flex;
  flex-direction:column;
  gap:38px;
}

.field-top{
  display:flex;
  align-items:baseline;
  justify-content:space-between;
  gap:16px;
  margin-bottom:16px;
}
.field-top label{
  font-family:var(--font-display);
  font-weight:600;
  font-size:1rem;
  color:var(--navy-ink);
}
.field-top output{
  font-family:var(--font-display);
  font-size:1.32rem;
  font-weight:800;
  letter-spacing:-.03em;
  color:var(--navy);
  font-variant-numeric:tabular-nums;
}
.field-hint{
  margin-top:13px;
  font-size:.84rem;
  line-height:1.55;
  color:var(--muted);
}

input[type="range"]{
  -webkit-appearance:none;
  appearance:none;
  width:100%;
  height:8px;
  border-radius:999px;
  background:
    linear-gradient(90deg, var(--navy) var(--pct,50%), var(--bg-deep) var(--pct,50%));
  cursor:pointer;
  margin:0;
}
input[type="range"]::-webkit-slider-thumb{
  -webkit-appearance:none;
  appearance:none;
  width:24px; height:24px;
  border-radius:50%;
  background:#fff;
  border:5px solid var(--navy);
  box-shadow:0 2px 8px rgba(12,26,51,.3);
  cursor:grab;
  transition:transform .15s;
}
input[type="range"]::-webkit-slider-thumb:active{ transform:scale(1.14); cursor:grabbing; }
input[type="range"]::-moz-range-thumb{
  width:16px; height:16px;
  border-radius:50%;
  background:#fff;
  border:5px solid var(--navy);
  box-shadow:0 2px 8px rgba(12,26,51,.3);
  cursor:grab;
}
input[type="range"]::-moz-range-track{ background:transparent; }

.calc-note{
  display:flex;
  gap:12px;
  padding:17px 19px;
  border-radius:var(--r-md);
  background:var(--bg-alt);
  box-shadow:inset 0 0 0 1px var(--line);
  font-size:.88rem;
  line-height:1.6;
  color:var(--muted);
  margin-top:auto;
}

.calc-result{
  padding:clamp(30px, 4vw, 46px);
  background:var(--bg-alt);
  box-shadow:inset 1px 0 0 var(--line);
  display:flex;
  flex-direction:column;
}
.calc-result-lbl{
  font-size:.78rem;
  font-weight:700;
  letter-spacing:.13em;
  text-transform:uppercase;
  color:var(--muted);
}
/* The headline figure is money being lost, so it reads red. */
.calc-big{
  font-family:var(--font-display);
  font-size:clamp(3rem, 6vw, 4.2rem);
  font-weight:800;
  letter-spacing:-.045em;
  line-height:1;
  color:var(--red);
  margin:10px 0 6px;
  font-variant-numeric:tabular-nums;
}
.calc-result-sub{ font-size:.98rem; color:var(--muted); }

.calc-split{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:14px;
  margin:26px 0 22px;
  padding:20px 0;
  border-block:1px solid var(--line);
}
.cs-lbl{
  display:block;
  font-size:.79rem;
  color:var(--muted);
  margin-bottom:3px;
}
.calc-split b{
  font-family:var(--font-display);
  font-size:1.36rem;
  font-weight:700;
  letter-spacing:-.03em;
  color:var(--navy-ink);
  font-variant-numeric:tabular-nums;
}

.calc-bar{
  height:12px;
  border-radius:999px;
  background:var(--navy);
  overflow:hidden;
  display:flex;
}
.calc-bar-fill{
  height:100%;
  background:var(--red);
  border-radius:999px 0 0 999px;
  transition:width .35s cubic-bezier(.3,.8,.4,1);
}
.calc-bar-legend{
  display:flex;
  gap:20px;
  margin-top:11px;
  font-size:.8rem;
  color:var(--muted);
}
.calc-bar-legend span{ display:flex; align-items:center; gap:7px; }
.dot{ width:9px; height:9px; border-radius:50%; display:inline-block; }
.dot-fee{ background:var(--red); }
.dot-keep{ background:var(--navy); }

.calc-result .btn{ margin-top:28px; }
.calc-pdf-link{
  display:flex;
  align-items:center;
  justify-content:center;
  gap:7px;
  margin-top:14px;
  font-family:var(--font-display);
  font-size:.86rem;
  font-weight:600;
  color:var(--navy);
  transition:color .2s;
}
.calc-pdf-link:hover{ color:var(--navy-hover); text-decoration:underline; }
.calc-pdf-link svg{
  width:15px; height:15px;
  fill:none;
  stroke:currentColor;
  stroke-width:2;
  stroke-linecap:round;
  stroke-linejoin:round;
  flex-shrink:0;
}
.calc-disclaimer{
  margin-top:16px;
  font-size:.78rem;
  line-height:1.6;
  color:var(--muted);
  opacity:.85;
}

/* ---------- 12. Feature grid ---------- */
.feature-grid{
  display:grid;
  grid-template-columns:repeat(3, 1fr);
  gap:14px 34px;
  margin-bottom:56px;
}
.feature{
  display:flex;
  gap:15px;
  padding:22px 0;
  border-top:1px solid var(--line);
}
.feature h3{ margin-bottom:6px; }
.feature p{ font-size:.93rem; color:var(--muted); line-height:1.62; }

.feat-check{
  position:relative;
  flex-shrink:0;
  width:24px; height:24px;
  margin-top:2px;
  border-radius:50%;
  background:var(--navy-soft);
}
.feat-check::after{
  content:'';
  position:absolute;
  left:8px; top:6px;
  width:5px; height:10px;
  border-right:2.2px solid var(--navy);
  border-bottom:2.2px solid var(--navy);
  transform:rotate(42deg);
}

/* ---------- 13. Split panels ---------- */
.split-panels{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:20px;
}
.panel{
  padding:32px;
  border-radius:var(--r-lg);
}
.panel h3{ font-size:1.16rem; margin-bottom:18px; }
.panel-good{
  background:var(--navy-soft);
  box-shadow:inset 0 0 0 1px var(--navy-line);
}
.panel-bad{
  background:#fff;
  box-shadow:inset 0 0 0 1px var(--line);
}

.ticklist li,.crosslist li{
  position:relative;
  padding-left:31px;
  margin-bottom:13px;
  font-size:.95rem;
  line-height:1.6;
  color:var(--text);
}
.ticklist li::before{
  content:'';
  position:absolute;
  left:4px; top:6px;
  width:6px; height:11px;
  border-right:2.2px solid var(--navy);
  border-bottom:2.2px solid var(--navy);
  transform:rotate(42deg);
}
.crosslist li{ color:var(--muted); }
.crosslist li::before,.crosslist li::after{
  content:'';
  position:absolute;
  left:3px; top:11px;
  width:12px; height:2.2px;
  background:#9AA9C0;
  border-radius:2px;
}
.crosslist li::before{ transform:rotate(45deg); }
.crosslist li::after{ transform:rotate(-45deg); }

/* ---------- 14. Steps ---------- */
.steps{
  display:grid;
  grid-template-columns:repeat(4, 1fr);
  gap:22px;
}
.step{
  position:relative;
  padding:30px 26px 26px;
  border-radius:var(--r-lg);
  background:#fff;
  box-shadow:inset 0 0 0 1px var(--line), var(--shadow-sm);
}
.step::after{
  content:'';
  position:absolute;
  top:46px; right:-22px;
  width:22px; height:1.5px;
  background:linear-gradient(90deg, var(--navy), rgba(10,39,103,.15));
}
.step:last-child::after{ display:none; }

.step-num{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  width:42px; height:42px;
  margin-bottom:18px;
  border-radius:12px;
  background:var(--navy);
  color:#fff;
  font-family:var(--font-display);
  font-size:.9rem;
  font-weight:800;
  letter-spacing:-.02em;
}
.step h3{ margin-bottom:9px; }
.step p{ font-size:.93rem; color:var(--muted); line-height:1.62; }
.step-time{
  display:inline-block;
  margin-top:16px;
  padding:5px 12px;
  border-radius:999px;
  background:var(--navy-soft);
  color:var(--navy);
  font-size:.76rem;
  font-weight:700;
}

/* ---------- 15. Comparison table ---------- */
.table-scroll{
  overflow-x:auto;
  border-radius:var(--r-lg);
  box-shadow:inset 0 0 0 1px var(--line);
  -webkit-overflow-scrolling:touch;
  background:#fff;
}
.compare{
  width:100%;
  min-width:640px;
  border-collapse:collapse;
}
.compare th,.compare td{
  padding:18px 24px;
  text-align:left;
  font-size:.95rem;
  border-bottom:1px solid var(--line);
}
.compare thead th{
  font-family:var(--font-display);
  font-size:.8rem;
  font-weight:700;
  letter-spacing:.11em;
  text-transform:uppercase;
  color:var(--muted);
  background:var(--bg-alt);
}
.compare tbody th{
  font-family:var(--font-body);
  font-weight:600;
  color:var(--text);
  width:34%;
}
.compare td{ color:var(--muted); }
.compare .is-us{
  background:var(--navy-soft);
  color:var(--navy-ink);
  font-weight:700;
  box-shadow:inset 1px 0 0 var(--navy-line), inset -1px 0 0 var(--navy-line);
}
.compare thead .is-us{
  color:var(--navy);
  background:rgba(10,39,103,.13);
}
.compare tbody tr:last-child th,
.compare tbody tr:last-child td{ border-bottom:0; }
.compare tbody tr:hover td:not(.is-us),
.compare tbody tr:hover th{ background:#FAFCFE; }

/* ---------- 16. Services ---------- */
.services-grid{
  display:grid;
  grid-template-columns:repeat(4, 1fr);
  gap:20px;
}
.service-card{
  overflow:hidden;
  border-radius:var(--r-lg);
  background:#fff;
  box-shadow:inset 0 0 0 1px var(--line), var(--shadow-sm);
  transition:transform .3s cubic-bezier(.3,.8,.4,1), box-shadow .3s;
}
.service-card:hover{
  transform:translateY(-5px);
  box-shadow:inset 0 0 0 1px var(--navy-line), var(--shadow-md);
}
.service-photo{
  position:relative;
  aspect-ratio:4/3;
  background:var(--bg-deep);
  overflow:hidden;
}
.service-photo img{
  display:block;
  width:100%; height:100%;
  object-fit:cover;
  filter:grayscale(.35) saturate(.4) sepia(.1) contrast(1.08) brightness(1.05);
}
.service-photo::after{
  content:"";
  position:absolute;
  inset:0;
  background:rgba(10,39,103,.46);
  mix-blend-mode:multiply;
  pointer-events:none;
}
.service-body{ padding:24px 24px 28px; }
.service-body h3{ margin-bottom:9px; }
.service-body p{ font-size:.94rem; color:var(--muted); line-height:1.65; }

/* ---------- 17. Notice ---------- */
.notice{
  display:flex;
  gap:16px;
  margin-top:36px;
  padding:26px 30px;
  border-radius:var(--r-lg);
  background:#fff;
  box-shadow:inset 0 0 0 1px var(--line);
}
.notice .ico{ width:22px; height:22px; margin-top:2px; stroke:var(--red); }
.notice p{ font-size:.93rem; line-height:1.68; color:var(--muted); }
.notice b{ color:var(--navy-ink); }

/* ---------- 19. Accordion ---------- */
.accordion{
  border-radius:var(--r-lg);
  overflow:hidden;
  box-shadow:inset 0 0 0 1px var(--line);
  background:#fff;
}
.acc-item + .acc-item{ border-top:1px solid var(--line); }
.acc-btn{
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:24px;
  width:100%;
  padding:22px 26px;
  background:#fff;
  border:0;
  text-align:left;
  font-family:var(--font-display);
  font-size:1.03rem;
  font-weight:600;
  letter-spacing:-.015em;
  color:var(--navy-ink);
  cursor:pointer;
  transition:background .18s, color .18s;
}
.acc-btn:hover{ background:var(--bg-alt); }
.acc-btn[aria-expanded="true"]{ color:var(--navy); }

.acc-icon{
  position:relative;
  flex-shrink:0;
  width:26px; height:26px;
  border-radius:50%;
  background:var(--bg-alt);
  transition:background .2s, transform .28s cubic-bezier(.3,.8,.4,1);
}
.acc-icon::before,.acc-icon::after{
  content:'';
  position:absolute;
  top:50%; left:50%;
  width:11px; height:2px;
  background:var(--navy);
  border-radius:2px;
  transform:translate(-50%,-50%);
  transition:transform .28s cubic-bezier(.3,.8,.4,1), background .2s;
}
.acc-icon::after{ transform:translate(-50%,-50%) rotate(90deg); }
.acc-btn[aria-expanded="true"] .acc-icon{
  background:var(--navy);
  transform:rotate(135deg);
}
.acc-btn[aria-expanded="true"] .acc-icon::before,
.acc-btn[aria-expanded="true"] .acc-icon::after{ background:#fff; }

.acc-panel{
  padding:0 26px 24px;
  background:#fff;
}
.acc-panel p{
  max-width:64ch;
  font-size:.96rem;
  line-height:1.72;
  color:var(--muted);
}
.acc-panel:not([hidden]){ animation:accIn .3s cubic-bezier(.3,.8,.4,1); }
@keyframes accIn{
  from{ opacity:0; transform:translateY(-6px); }
  to{ opacity:1; transform:none; }
}

/* ---------- 20. CTA + form ---------- */
.section-cta{
  position:relative;
  background:var(--bg-alt);
  border-top:1px solid var(--line);
  overflow:hidden;
}
.cta-glow{
  position:absolute;
  top:-260px; left:-200px;
  width:900px; height:900px;
  background:radial-gradient(circle, rgba(10,39,103,.09) 0%, transparent 64%);
  pointer-events:none;
}
.cta-inner{
  position:relative;
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:clamp(40px, 5vw, 72px);
  align-items:start;
}
.section-cta .section-sub{ margin-bottom:26px; }

.cta-direct{
  display:flex;
  flex-wrap:wrap;
  align-items:center;
  gap:10px 20px;
  margin-top:32px;
  padding-top:26px;
  border-top:1px solid var(--line);
  font-size:.95rem;
  color:var(--muted);
}
.cta-direct a{
  font-family:var(--font-display);
  font-weight:700;
  color:var(--navy);
  border-bottom:1px solid var(--navy-line);
  transition:border-color .2s;
}
.cta-direct a:hover{ border-color:var(--navy); }

.form-card{
  padding:clamp(28px, 3.5vw, 40px);
  border-radius:var(--r-xl);
  background:#fff;
  box-shadow:inset 0 0 0 1px var(--line), var(--shadow-lg);
}
.form-row{ margin-bottom:18px; }
.form-grid-2{ display:grid; grid-template-columns:1fr 1fr; gap:0 16px; }

.form-row label{
  display:block;
  margin-bottom:8px;
  font-size:.88rem;
  font-weight:600;
  color:var(--navy-ink);
}
.opt{ font-weight:400; color:var(--muted); }

.form-row input,
.form-row select,
.form-row textarea{
  width:100%;
  padding:13px 16px;
  border-radius:var(--r-sm);
  background:var(--bg-alt);
  border:1.5px solid var(--line);
  color:var(--navy-ink);
  font-size:.96rem;
  transition:border-color .18s, background .18s, box-shadow .18s;
}
.form-row textarea{ resize:vertical; min-height:84px; }
.form-row input::placeholder,
.form-row textarea::placeholder{ color:#9AA9C0; }
.form-row select{
  appearance:none;
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%235A6B87' stroke-width='2' stroke-linecap='round'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E");
  background-repeat:no-repeat;
  background-position:right 14px center;
  background-size:17px;
  padding-right:42px;
}

.form-row input:focus,
.form-row select:focus,
.form-row textarea:focus{
  outline:none;
  border-color:var(--navy);
  background:#fff;
  box-shadow:0 0 0 3px rgba(10,39,103,.12);
}
.form-row input.is-invalid,
.form-row select.is-invalid{
  border-color:var(--red);
  box-shadow:0 0 0 3px rgba(189,21,37,.10);
}

.err{
  display:none;
  margin-top:6px;
  font-size:.8rem;
  color:var(--red);
}
.err.is-shown{ display:block; }

.hp{
  position:absolute;
  left:-9999px;
  width:1px; height:1px;
  overflow:hidden;
}

.form-card .btn{ margin-top:8px; }
.form-fine{
  margin-top:14px;
  font-size:.78rem;
  line-height:1.6;
  color:var(--muted);
  text-align:center;
}
.form-success{
  margin-top:18px;
  padding:16px 20px;
  border-radius:var(--r-md);
  background:var(--navy-soft);
  box-shadow:inset 0 0 0 1px var(--navy-line);
  font-size:.94rem;
  color:var(--navy-ink);
}
.form-success b{ color:var(--navy); }

/* ---------- 21. Footer ---------- */
.site-footer{
  background:var(--bg-deep);
  border-top:1px solid var(--line);
  padding-top:clamp(56px, 6vw, 80px);
}
.footer-top{
  display:grid;
  grid-template-columns:2fr 1fr 1fr 1.2fr;
  gap:40px;
  padding-bottom:48px;
}
.footer-tagline{
  margin-top:16px;
  font-family:var(--font-display);
  font-size:.82rem;
  font-weight:600;
  letter-spacing:.02em;
  color:var(--navy);
}
.footer-brand p:not(.footer-tagline){
  margin-top:10px;
  max-width:34ch;
  font-size:.92rem;
  line-height:1.65;
  color:var(--muted);
}
.footer-col h3{
  font-size:.76rem;
  font-weight:700;
  letter-spacing:.13em;
  text-transform:uppercase;
  color:var(--navy);
  margin-bottom:16px;
}
.footer-col a,
.footer-hours{
  display:block;
  margin-bottom:11px;
  font-size:.93rem;
  color:var(--muted);
  transition:color .18s;
}
.footer-col a:hover{ color:var(--navy); }

.footer-bottom{
  padding-block:28px 34px;
  border-top:1px solid var(--line);
}
.disclaimer{
  font-size:.78rem;
  line-height:1.65;
  color:var(--muted);
  opacity:.85;
  max-width:96ch;
}
.footer-legal{
  display:flex;
  flex-wrap:wrap;
  align-items:center;
  justify-content:space-between;
  gap:14px 24px;
  margin-top:22px;
  font-size:.83rem;
  color:var(--muted);
}
.footer-legal nav{ display:flex; flex-wrap:wrap; gap:22px; }
.footer-legal a:hover{ color:var(--navy); }

/* ---------- 22. Reveal on scroll ---------- */
.reveal{
  opacity:0;
  transform:translateY(24px);
  transition:opacity .7s cubic-bezier(.2,.7,.3,1), transform .7s cubic-bezier(.2,.7,.3,1);
}
.reveal.is-visible{ opacity:1; transform:none; }
.cards-4 .reveal:nth-child(2),
.cards-3 .reveal:nth-child(2),
.feature-grid .reveal:nth-child(2),
.steps .reveal:nth-child(2){ transition-delay:.08s; }
.cards-4 .reveal:nth-child(3),
.cards-3 .reveal:nth-child(3),
.feature-grid .reveal:nth-child(3),
.steps .reveal:nth-child(3){ transition-delay:.16s; }
.cards-4 .reveal:nth-child(4),
.feature-grid .reveal:nth-child(4),
.steps .reveal:nth-child(4){ transition-delay:.24s; }
.feature-grid .reveal:nth-child(5){ transition-delay:.32s; }
.feature-grid .reveal:nth-child(6){ transition-delay:.4s; }

/* ==========================================================================
   23. Responsive
   ========================================================================== */

@media (max-width:1100px){
  /* "U.S. PAYMENT SOLUTIONS" is a long lockup — tighten the bar so the nav
     can't collide with it before the mobile breakpoint takes over. */
  .header-inner{ gap:16px; }
  .brand-mark-img{ height:46px; }
  .brand-word{ height:29px; }
  .site-nav{ gap:20px; }
  .site-nav > a:not(.btn){ font-size:.9rem; }
  .nav-cta{ padding:9px 16px; font-size:.86rem; }

  .cards-4{ grid-template-columns:repeat(2,1fr); }
  .cards-3{ grid-template-columns:repeat(2,1fr); }
  .services-grid{ grid-template-columns:repeat(2,1fr); }
  .steps{ grid-template-columns:repeat(2,1fr); }
  .step:nth-child(2)::after{ display:none; }
  .feature-grid{ grid-template-columns:repeat(2,1fr); }
  .footer-top{ grid-template-columns:1fr 1fr; gap:34px; }
  .footer-brand{ grid-column:1 / -1; }
  .savings-card{ left:-12px; }
}

@media (max-width:940px){
  :root{ --header-h:82px; }

  .nav-toggle{ display:flex; }

  .site-nav{
    position:fixed;
    inset:var(--header-h) 0 auto 0;
    flex-direction:column;
    align-items:stretch;
    gap:0;
    padding:14px var(--pad-x) 26px;
    background:rgba(255,255,255,.98);
    backdrop-filter:blur(18px);
    -webkit-backdrop-filter:blur(18px);
    box-shadow:0 1px 0 var(--line), 0 30px 60px -30px rgba(12,26,51,.35);
    transform:translateY(-12px);
    opacity:0;
    visibility:hidden;
    transition:opacity .25s, transform .25s, visibility .25s;
  }
  .site-nav.is-open{ opacity:1; visibility:visible; transform:none; }
  .site-nav > a:not(.btn){
    padding:15px 2px;
    font-size:1.02rem;
    border-bottom:1px solid var(--line);
    color:var(--navy-ink);
  }
  .site-nav > a:not(.btn)::after{ display:none; }
  .nav-cta{ margin-top:18px; justify-content:center; }

  .tagband-grid{ grid-template-columns:1fr; gap:32px; }
  .tagband-item{ padding-left:0; border-left:0; padding-top:26px; border-top:1px solid var(--line); }
  .tagband-item:first-child{ padding-top:0; border-top:0; }

  .hero-inner{ grid-template-columns:1fr; gap:56px; }
  .hero-visual{ max-width:520px; margin-inline:auto; width:100%; }
  .lede{ max-width:none; }

  .calc{ grid-template-columns:1fr; }
  .calc-result{ box-shadow:inset 0 1px 0 var(--line); }
  .calc-controls{ gap:30px; }

  .split-panels{ grid-template-columns:1fr; }
  .cards-3{ grid-template-columns:1fr; }
  .cta-inner{ grid-template-columns:1fr; }
  .logobar{ flex-direction:column; align-items:flex-start; gap:14px; }
}

@media (max-width:640px){
  body{ font-size:16px; }

  .cards-4{ grid-template-columns:1fr; }
  .services-grid{ grid-template-columns:1fr; }
  .steps{ grid-template-columns:1fr; }
  .step::after{ display:none; }
  .feature-grid{ grid-template-columns:1fr; gap:0; margin-bottom:40px; }
  .form-grid-2{ grid-template-columns:1fr; }
  .calc-split{ grid-template-columns:1fr; gap:18px; }

  .hero-actions{ flex-direction:column; align-items:stretch; }
  .hero-actions .btn{ width:100%; }
  .savings-card{ left:10px; bottom:18px; padding:12px 18px 12px 13px; }
  .savings-ico{ width:38px; height:38px; font-size:1.08rem; }
  .savings-num{ font-size:1.28rem; }

  .footer-top{ grid-template-columns:1fr; }
  .acc-btn{ padding:19px 20px; font-size:.98rem; }
  .acc-panel{ padding:0 20px 20px; }
  .panel,.notice,.quote,.step,.card{ padding:24px; }
  .notice{ flex-direction:column; gap:12px; }
}

/* ---------- 24. Legal page ---------- */
.legal-hero{ padding-top:calc(var(--header-h) + clamp(40px, 6vw, 72px)); }
.legal-toc{
  display:flex;
  flex-wrap:wrap;
  gap:10px;
  margin-top:26px;
}
.legal-toc a{
  padding:9px 16px;
  border-radius:999px;
  box-shadow:inset 0 0 0 1px var(--navy-line);
  background:var(--navy-soft);
  font-family:var(--font-display);
  font-size:.86rem;
  font-weight:600;
  color:var(--navy);
  transition:background .2s;
}
.legal-toc a:hover{ background:rgba(10,39,103,.13); }

.legal-updated{
  font-size:.83rem;
  color:var(--muted);
  margin-bottom:6px;
}
.legal-content{ max-width:74ch; }
.legal-content h3{
  font-size:1rem;
  margin:28px 0 10px;
  color:var(--navy-ink);
}
.legal-content h3:first-of-type{ margin-top:22px; }
.legal-content p{
  font-size:.87rem;
  line-height:1.65;
  color:var(--text);
  margin-bottom:12px;
}
.legal-content ul,
.legal-content ol{
  margin:0 0 12px;
  padding-left:22px;
  font-size:.87rem;
  line-height:1.65;
  color:var(--text);
}

.legal-doc h1{ font-size:clamp(1.7rem, 4vw, 2.4rem); }
.legal-doc .section-head h2{ font-size:clamp(1.3rem, 2.4vw, 1.7rem); }
.legal-doc .section-sub{ font-size:.92rem; }
.legal-content li{ margin-bottom:6px; }
.legal-content a{ color:var(--blue); text-decoration:underline; text-underline-offset:2px; }
.legal-fineprint{
  margin-top:26px;
  padding-top:14px;
  border-top:1px solid var(--line);
}
.legal-fineprint p{
  font-size:.76rem;
  line-height:1.6;
  color:var(--muted);
  margin:0;
}
.legal-fineprint b{ color:var(--muted); }

/* ---------- 25. Motion & print ---------- */
@media (prefers-reduced-motion: reduce){
  html{ scroll-behavior:auto; }
  *,*::before,*::after{
    animation-duration:.01ms !important;
    animation-iteration-count:1 !important;
    transition-duration:.01ms !important;
    scroll-behavior:auto !important;
  }
  .reveal{ opacity:1; transform:none; }
}

@media print{
  .site-header,.nav-toggle,.hero-glow,.hero-grid-lines,.calc-glow,.cta-glow{ display:none !important; }
  body{ color:#000; background:#fff; }
  .reveal{ opacity:1 !important; transform:none !important; }
}