/* Pinnacle Business Services — red, white & blue theme */
:root{
  --red:#C8102E; --red-2:#e0213f; --red-soft:#fdecef;
  --navy:#0A3161; --navy-2:#0d3d78; --navy-deep:#061f3f; --blue-soft:#eaf0f8;
  --ink:#0f1e33; --text:#334155; --muted:#5b6b82; --line:#dbe3ee;
  --white:#fff; --light:#f4f7fb; --green:#16a34a;
  --radius:16px;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;scroll-padding-top:84px}
body{background:#fff;color:var(--text);font-family:Inter,ui-sans-serif,system-ui,sans-serif;line-height:1.6;-webkit-font-smoothing:antialiased;overflow-x:hidden}
img{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
ul,ol{list-style:none}
.container{width:100%;max-width:1200px;margin:0 auto;padding:0 20px}
.narrow{max-width:820px}
.center{text-align:center}
.accent{color:var(--red)}
.white{color:#fff}
.sec-white strong.white,.sec-light strong.white{color:var(--ink)}
.muted{color:var(--muted)}
.big{font-size:1.125rem}
.small-note{font-size:.9rem;margin-top:1.5rem}
h1,h2,h3,h4{line-height:1.15;letter-spacing:-.02em;color:var(--ink)}
h1{font-size:clamp(2.3rem,5.6vw,4.3rem);font-weight:800}
h2{font-size:clamp(1.9rem,4vw,3rem);font-weight:800;margin-bottom:1rem}
h3{font-size:1.35rem;font-weight:700;margin-bottom:.6rem}
h4{font-size:1.05rem;font-weight:700;margin-bottom:.4rem}
.eyebrow{color:var(--red);font-weight:700;font-size:.8rem;letter-spacing:.14em;text-transform:uppercase;margin-bottom:.75rem}
.section{padding:96px 0;position:relative}
.section-head{max-width:760px;margin-bottom:3rem}
.section-head.center{margin-left:auto;margin-right:auto}
.section-icon{margin:0 auto 1.25rem}

/* Section themes */
.sec-white{background:#fff}
.sec-light{background:var(--light);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.sec-navy{background:var(--navy);color:#dbe4f3}
.sec-navy h1,.sec-navy h2,.sec-navy h3,.sec-navy h4{color:#fff}
.sec-navy .muted{color:#b8c6dc}
.sec-navy .eyebrow{color:#ff8a9a}

/* Buttons */
.btn{display:inline-flex;white-space:nowrap;align-items:center;justify-content:center;gap:.5rem;font-weight:700;border-radius:999px;padding:.85rem 1.6rem;transition:transform .2s,background .2s,box-shadow .2s;cursor:pointer;border:0;font-size:1rem;font-family:inherit}
.btn:hover{transform:translateY(-2px)}
.btn-primary{background:var(--red);color:#fff;box-shadow:0 10px 26px -10px rgba(200,16,46,.65)}
.btn-primary:hover{background:var(--red-2)}
.btn-ghost{background:transparent;border:2px solid var(--navy);color:var(--navy)}
.btn-ghost:hover{background:var(--navy);color:#fff}
.sec-navy .btn-ghost,.hero .btn-ghost{border-color:rgba(255,255,255,.6);color:#fff}
.sec-navy .btn-ghost:hover,.hero .btn-ghost:hover{background:#fff;color:var(--navy)}
.btn-white{background:#fff;color:var(--red)}
.btn-sm{padding:.55rem 1.1rem;font-size:.9rem}
.btn-lg{padding:1rem 2rem;font-size:1.05rem}

/* Header */
.site-header{position:fixed;inset:0 0 auto 0;z-index:50;padding:16px 0;transition:background .3s,padding .3s,box-shadow .3s}
.site-header.scrolled,.site-header.solid{background:rgba(10,49,97,.96);backdrop-filter:blur(10px);-webkit-backdrop-filter:blur(10px);padding:9px 0;box-shadow:0 6px 24px -12px rgba(0,0,0,.5)}
.site-header::after{content:"";position:absolute;left:0;right:0;bottom:-3px;height:3px;background:var(--red);opacity:0;transition:opacity .3s}
.site-header.scrolled::after,.site-header.solid::after{opacity:1}
.header-inner{display:flex;align-items:center;gap:1.5rem}
.brand img{height:44px;width:auto}
.header-contact{display:flex;gap:1.5rem;margin-left:auto;font-size:.875rem;color:#e2e8f0}
.header-contact a{display:flex;align-items:center;gap:.4rem}
.header-contact a:hover{color:#fff;text-decoration:underline}
.header-contact svg{width:16px;height:16px;fill:none;stroke:#ff8a9a;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
@media(max-width:960px){.header-contact{display:none}.site-header .btn{margin-left:auto}}
@media(max-width:420px){.brand img{height:34px}}

/* Hero */
.hero{position:relative;padding:170px 0 110px;overflow:hidden;text-align:center;color:#e2e8f0}
.hero-bg{position:absolute;inset:0;background-size:cover;background-position:center;transform:scale(1.05);animation:heroZoom 20s ease-out forwards}
@keyframes heroZoom{to{transform:scale(1)}}
.hero-overlay{position:absolute;inset:0;background:linear-gradient(180deg,rgba(6,31,63,.88),rgba(10,49,97,.78) 55%,rgba(6,31,63,.96))}
.hero-content{position:relative;max-width:920px}
.hero h1{color:#fff}
.hero-logo{width:min(320px,70vw);height:auto;margin:0 auto 2rem}
.lead{font-size:clamp(1.05rem,2vw,1.3rem);color:#dbe4f3;max-width:680px;margin:1.5rem auto 2.25rem}
.hero .accent{color:#ff8a9a}
.hero-actions{display:flex;flex-wrap:wrap;gap:1rem;justify-content:center}
.badges{display:flex;flex-wrap:wrap;justify-content:center;gap:.6rem 1.5rem;margin-top:3rem;font-size:.9rem;color:#fff}
.badges li{display:flex;align-items:center;gap:.45rem}
.badges li::before,.checks li::before{content:"";flex:none;width:20px;height:20px;border-radius:50%;background:var(--red) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='3.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12l5 5L20 7'/%3E%3C/svg%3E") center/11px no-repeat}

/* Offices */
.offices{padding:34px 0;background:var(--navy-deep);color:#dbe4f3;border-top:3px solid var(--red)}
.offices .eyebrow{color:#ff8a9a}
.office-list{display:flex;flex-wrap:wrap;justify-content:center;gap:1rem 3rem}
.office-list li{display:flex;flex-direction:column;align-items:center;font-size:.95rem}
.office-list span{font-weight:700;color:#fff}
.office-list a:hover{color:#fff;text-decoration:underline}

/* Free banner */
.free-banner{background:var(--red);color:#fff;overflow:hidden}
.free-banner h2{color:#fff}
.marquee{background:var(--navy);padding:11px 0;overflow:hidden}
.marquee-track{display:flex;gap:2.5rem;width:max-content;animation:marquee 30s linear infinite;font-weight:900;font-size:1.3rem;letter-spacing:.08em}
.marquee-track span:nth-child(even){color:#ff8a9a}
@keyframes marquee{to{transform:translateX(-50%)}}
.free-inner{display:flex;align-items:center;gap:1.5rem;padding-top:36px;padding-bottom:40px}
.free-icon{width:64px;height:64px;border-radius:50%;background:#fff;color:var(--red);display:grid;place-items:center;font-weight:900;font-size:2rem;flex:none;box-shadow:0 8px 24px rgba(0,0,0,.15)}
.free-text{flex:1}
.free-text h2{margin-bottom:.25rem;font-size:clamp(1.5rem,3vw,2.25rem)}
.free-text p{color:rgba(255,255,255,.92)}
@media(max-width:760px){.free-inner{flex-direction:column;text-align:center}}

/* Cards */
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:1.5rem}
@media(max-width:900px){.grid-3{grid-template-columns:1fr 1fr}}
@media(max-width:620px){.grid-3{grid-template-columns:1fr}}
.card{background:#fff;border:1px solid var(--line);border-top:4px solid var(--navy);border-radius:var(--radius);padding:2rem;transition:border-color .3s,transform .3s,box-shadow .3s;box-shadow:0 10px 30px -22px rgba(10,49,97,.5)}
.card:hover{border-top-color:var(--red);transform:translateY(-4px);box-shadow:0 18px 40px -22px rgba(10,49,97,.6)}
.card p{color:var(--muted)}
.card-icon{width:52px;height:52px;border-radius:12px;background:var(--blue-soft);display:grid;place-items:center;margin-bottom:1.25rem}
.card-icon svg{width:26px;height:26px;fill:none;stroke:var(--navy);stroke-width:2;stroke-linecap:round;stroke-linejoin:round}

/* Tabs / Hub */
.tabs{display:flex;flex-wrap:wrap;gap:.5rem;margin-bottom:2rem}
.tab{background:#fff;border:1px solid var(--line);color:var(--navy);padding:.6rem 1.2rem;border-radius:999px;font:600 .95rem Inter,sans-serif;cursor:pointer;transition:all .2s}
.tab:hover{border-color:var(--navy)}
.tab.active{background:var(--navy);border-color:var(--navy);color:#fff}
.tab-panel{display:none}
.tab-panel.active{display:block;animation:fade .4s ease}
@keyframes fade{from{opacity:0;transform:translateY(8px)}to{opacity:1;transform:none}}
.hub-grid{display:grid;grid-template-columns:1.1fr 1fr;gap:3rem;align-items:center;background:var(--light);border:1px solid var(--line);border-radius:24px;padding:2.5rem}
.hub-grid .btn{margin-top:1.75rem}
@media(max-width:860px){.hub-grid{grid-template-columns:1fr;padding:1.75rem}}
.checks{margin-top:1.25rem;display:grid;gap:.7rem}
.checks li{display:flex;gap:.7rem;align-items:flex-start;color:var(--text)}
.checks li::before{margin-top:.15rem;background-color:var(--navy)}
.sec-navy .checks li{color:#e2e8f0}
.sec-navy .checks li::before{background-color:var(--red)}
.dash-mock{background:#fff;border:1px solid var(--line);border-radius:16px;padding:1.5rem;display:grid;gap:.9rem;box-shadow:0 20px 40px -28px rgba(10,49,97,.6)}
.dash-row{display:flex;justify-content:space-between;font-size:.85rem;font-weight:600;color:var(--ink)}
.dash-bar{height:12px;background:var(--blue-soft);border-radius:6px;overflow:hidden}
.dash-bar i{display:block;height:100%;background:linear-gradient(90deg,var(--navy),var(--navy-2));border-radius:6px}
.dash-bar:first-of-type i{background:linear-gradient(90deg,var(--red),var(--red-2))}
.dash-stats{display:grid;grid-template-columns:repeat(3,1fr);gap:.75rem;margin-top:.5rem}
.dash-stats div{background:var(--light);border-radius:10px;padding:.8rem;text-align:center}
.dash-stats b{display:block;font-size:1.3rem;color:var(--navy)}
.dash-stats small{color:var(--muted);font-size:.75rem}
.dash-chart{display:flex;align-items:flex-end;gap:8px;height:160px}
.dash-chart i{flex:1;background:var(--navy);border-radius:6px 6px 2px 2px}
.dash-chart i:nth-child(6){background:var(--red)}

/* Devices */
.device-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(260px,1fr));gap:1.5rem}
.device{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:1.5rem;display:flex;flex-direction:column;transition:border-color .3s,transform .3s,box-shadow .3s}
.device:hover{border-color:var(--navy);transform:translateY(-4px);box-shadow:0 18px 40px -24px rgba(10,49,97,.6)}
.device-img{background:radial-gradient(circle at 50% 40%,#fff,var(--blue-soft));border-radius:12px;height:200px;display:grid;place-items:center;padding:1rem;margin-bottom:1.25rem}
.device-img img{max-height:170px;object-fit:contain}
.device p{color:var(--muted);font-size:.95rem}
.device .eyebrow{font-size:.72rem;margin-bottom:.35rem}
.tags{display:flex;flex-wrap:wrap;gap:.4rem;margin:1rem 0}
.tags li{font-size:.75rem;padding:.25rem .65rem;border-radius:999px;background:var(--blue-soft);color:var(--navy);font-weight:600}
.link{color:var(--red);font-weight:700;margin-top:auto}
.link:hover{text-decoration:underline}

/* Tap to pay */
.tap-grid{display:grid;grid-template-columns:1fr 1fr;gap:3rem;align-items:center;margin-bottom:4rem}
@media(max-width:900px){.tap-grid{grid-template-columns:1fr}}
.tap-visual{display:flex;gap:1.5rem;align-items:flex-end;justify-content:center}
.phone{width:240px;background:linear-gradient(180deg,#132a4d,#061f3f);border:8px solid #0b1a30;border-radius:40px;padding:1.6rem 1rem 1.25rem;text-align:center;box-shadow:0 30px 60px -20px rgba(0,0,0,.55);flex:none;color:#fff}
.phone-notch{width:80px;height:20px;background:#0b1a30;border-radius:0 0 12px 12px;margin:-1.6rem auto 1rem}
.phone-app{font-weight:800;font-size:.9rem;margin-bottom:1rem}
.tap-rings{position:relative;width:110px;height:110px;margin:0 auto 1rem;display:grid;place-items:center}
.tap-rings span{position:absolute;inset:0;border:2px solid #ff8a9a;border-radius:50%;opacity:0;animation:ring 2.4s ease-out infinite}
.tap-rings span:nth-child(2){animation-delay:.8s}
.tap-rings span:nth-child(3){animation-delay:1.6s}
@keyframes ring{0%{transform:scale(.4);opacity:.9}100%{transform:scale(1.1);opacity:0}}
.tap-rings svg{width:44px;height:44px;fill:none;stroke:#fff;stroke-width:2;stroke-linecap:round}
.phone-title{font-weight:700}
.phone-sub{font-size:.75rem;color:#b8c6dc;margin-bottom:1rem}
.phone-done{background:rgba(22,163,74,.2);color:#86efac;font-weight:700;font-size:.85rem;border-radius:10px;padding:.5rem;margin-bottom:.8rem}
.wallets{display:flex;gap:.35rem;justify-content:center;flex-wrap:wrap}
.wallets span{font-size:.65rem;background:rgba(255,255,255,.1);padding:.25rem .5rem;border-radius:6px}
.ceo{width:180px;text-align:center}
.ceo img{border-radius:16px;border:3px solid #fff;width:100%;height:auto}
.ceo figcaption{font-weight:700;font-size:.75rem;letter-spacing:.14em;text-transform:uppercase;color:#ff8a9a;margin-top:.5rem}
@media(max-width:520px){.tap-visual{flex-direction:column;align-items:center}.ceo{width:200px}}
.feature{border-left:4px solid var(--red);background:rgba(255,255,255,.06);border-radius:0 12px 12px 0;padding:1.25rem 1.5rem}
.feature p{color:#b8c6dc;font-size:.95rem}
.steps-title{text-align:center;margin:4.5rem 0 2rem;font-size:1.6rem}
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:1.25rem}
@media(max-width:900px){.steps{grid-template-columns:1fr 1fr}}
@media(max-width:520px){.steps{grid-template-columns:1fr}}
.steps li{background:#fff;border-radius:var(--radius);padding:1.5rem;color:var(--text)}
.steps li h4{color:var(--ink)}
.steps li span{display:grid;place-items:center;width:40px;height:40px;border-radius:50%;background:var(--red);color:#fff;font-weight:800;margin-bottom:1rem}
.steps p{color:var(--muted);font-size:.95rem}

/* Industries */
.industries{display:grid;grid-template-columns:repeat(4,1fr);gap:1rem}
@media(max-width:900px){.industries{grid-template-columns:1fr 1fr}}
.industries li{background:var(--light);border:1px solid var(--line);border-radius:12px;padding:1.25rem;font-weight:600;text-align:center;color:var(--navy);transition:all .3s}
.industries li:hover{background:var(--navy);color:#fff;border-color:var(--navy)}

/* ATM */
.atm-grid{display:grid;grid-template-columns:1.3fr 1fr;gap:3rem;align-items:center}
.atm-grid .btn-primary{margin-top:2rem}
@media(max-width:900px){.atm-grid{grid-template-columns:1fr}}
.atm-card{background:var(--navy);color:#fff;border-radius:24px;padding:3rem 2rem;text-align:center;box-shadow:0 30px 60px -30px rgba(10,49,97,.8);border-bottom:6px solid var(--red)}
.atm-amount{font-size:clamp(3rem,7vw,4.5rem);font-weight:900;color:#fff;line-height:1}
.atm-card p{color:#b8c6dc;margin:.5rem 0 1.5rem}
.atm-note{background:rgba(255,255,255,.1);border-radius:10px;padding:.7rem;font-weight:600;margin-bottom:1.5rem}
.atm-card .btn-ghost{border-color:rgba(255,255,255,.6);color:#fff}
.atm-card .btn-ghost:hover{background:#fff;color:var(--navy)}

/* Contact */
.contact{overflow:hidden}
.contact-glow{position:absolute;left:50%;top:50%;width:760px;height:760px;transform:translate(-50%,-50%);background:radial-gradient(circle,rgba(200,16,46,.28),transparent 65%);pointer-events:none}
.contact .container{position:relative}
.contact .btn-lg{margin-top:1rem}
.contact-cards{display:grid;grid-template-columns:1fr 1fr;gap:1rem;margin-top:3rem}
@media(max-width:620px){.contact-cards{grid-template-columns:1fr}}
.contact-card{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.15);border-radius:var(--radius);padding:1.5rem;transition:background .3s;color:#fff}
.contact-card:hover{background:rgba(255,255,255,.14)}
.contact-card small{display:block;color:#ff8a9a;font-weight:700;letter-spacing:.12em;text-transform:uppercase;font-size:.75rem}
.contact-card b{font-size:1.05rem;word-break:break-word}

/* Footer */
.site-footer{background:var(--navy-deep);border-top:3px solid var(--red);padding:30px 0;color:#b8c6dc}
.footer-inner{display:flex;flex-wrap:wrap;gap:1rem 2rem;justify-content:space-between;align-items:center;font-size:.9rem}
.footer-inner .brand img{height:38px}
.footer-links{display:flex;flex-wrap:wrap;gap:.5rem 1.5rem}
.footer-links a:hover{color:#fff;text-decoration:underline}

/* ===== Apply page ===== */
.page-hero{background:linear-gradient(160deg,var(--navy-deep),var(--navy) 60%,var(--navy-2));color:#dbe4f3;padding:150px 0 70px;text-align:center;position:relative;overflow:hidden}
.page-hero h1{color:#fff;font-size:clamp(2.1rem,5vw,3.4rem)}
.page-hero .eyebrow{color:#ff8a9a}
.page-hero p{max-width:640px;margin:1rem auto 0;font-size:1.1rem}
.secure-pill{display:inline-flex;align-items:center;gap:.5rem;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.2);padding:.4rem .9rem;border-radius:999px;font-size:.85rem;font-weight:600;color:#fff;margin-bottom:1.25rem}
.secure-pill svg,.trust svg{width:16px;height:16px;fill:none;stroke:currentColor;stroke-width:2.2;stroke-linecap:round;stroke-linejoin:round}
.apply-grid{display:grid;grid-template-columns:1fr 340px;gap:2rem;align-items:start}
@media(max-width:960px){.apply-grid{grid-template-columns:1fr}}
.form-shell{background:#fff;border:1px solid var(--line);border-radius:20px;box-shadow:0 30px 60px -40px rgba(10,49,97,.6);overflow:hidden}
.form-shell-head{display:flex;align-items:center;gap:.6rem;padding:1rem 1.5rem;background:var(--light);border-bottom:1px solid var(--line);font-weight:700;color:var(--navy);font-size:.95rem}
.form-shell-head .lock{color:var(--green)}
.form-shell-body{padding:2rem}
.form-start{text-align:center;padding:2.5rem 1rem}
.form-start p{color:var(--muted);max-width:480px;margin:.75rem auto 1.75rem}
.side-card{background:#fff;border:1px solid var(--line);border-radius:16px;padding:1.5rem;margin-bottom:1.25rem}
.side-card h3{font-size:1.1rem;color:var(--navy)}
.side-card ul{display:grid;gap:.55rem;margin-top:.75rem;font-size:.93rem}
.side-card li{display:flex;gap:.55rem}
.side-card li::before{content:"";flex:none;width:7px;height:7px;border-radius:50%;background:var(--red);margin-top:.55rem}
.side-card.warn{background:var(--red-soft);border-color:#f6c2cb}
.side-card.warn h3{color:var(--red)}
.side-card.warn li::before{display:none}
.trust{display:grid;grid-template-columns:repeat(4,1fr);gap:1rem;margin-top:2rem}
@media(max-width:860px){.trust{grid-template-columns:1fr 1fr}}
.trust div{background:var(--light);border-radius:12px;padding:1rem;font-size:.88rem;color:var(--muted)}
.trust b{display:flex;align-items:center;gap:.4rem;color:var(--navy);font-size:.95rem;margin-bottom:.2rem}
.trust svg{color:var(--red)}
.apply-steps{display:grid;grid-template-columns:repeat(3,1fr);gap:1rem;margin-bottom:2rem}
@media(max-width:700px){.apply-steps{grid-template-columns:1fr}}
.apply-steps li{background:var(--light);border-radius:14px;padding:1.1rem 1.25rem;display:flex;gap:.8rem;align-items:flex-start}
.apply-steps span{flex:none;width:30px;height:30px;border-radius:50%;background:var(--navy);color:#fff;display:grid;place-items:center;font-weight:800;font-size:.9rem}
.apply-steps b{display:block;color:var(--ink)}
.apply-steps small{color:var(--muted);font-size:.85rem}

/* Scroll reveal */
.reveal{opacity:0;transform:translateY(24px);transition:opacity .7s ease,transform .7s ease}
.reveal.visible{opacity:1;transform:none}
@media(prefers-reduced-motion:reduce){.reveal{opacity:1;transform:none;transition:none}.marquee-track,.hero-bg,.tap-rings span{animation:none}}