/* =========================================================
   finqpe — BBPS Bill Payment App website
   Simple static HTML/CSS site, fully responsive
========================================================= */

:root {
  --maroon-900: #4a0f22;
  --maroon-800: #62122c;
  --maroon-700: #7a1734;
  --maroon-600: #922046;
  --maroon-500: #a92a54;
  --gold: #dba53c;
  --gold-soft: #f1cf8f;
  --cream: #f7efe8;
  --cream-soft: #fdf8f4;
  --white: #ffffff;
  --ink: #2a151d;
  --muted: #7c6670;
  --line: #ecdfd8;
  --shadow: 0 20px 45px -20px rgba(74, 15, 34, 0.35);
  --shadow-sm: 0 10px 25px -12px rgba(74, 15, 34, 0.25);
  --radius: 18px;
  --radius-sm: 12px;
  --container: 1180px;
}

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

html { scroll-behavior: smooth; }

body {
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  color: var(--ink);
  background: var(--cream-soft);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; display: block; }
a { text-decoration: none; color: inherit; }
ul { list-style: none; }
button { font: inherit; cursor: pointer; border: none; background: none; color: inherit; }
input, textarea { font: inherit; }

.container {
  width: 100%;
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 24px;
}

.icon {
  width: 22px;
  height: 22px;
  fill: none;
  stroke: currentColor;
  stroke-width: 1.7;
  stroke-linecap: round;
  stroke-linejoin: round;
  flex-shrink: 0;
}
.icon.sm { width: 16px; height: 16px; }
.icon.xl { width: 64px; height: 64px; }
.icon.huge { width: 120px; height: 120px; }
.icon.ghost { opacity: .7; }
.icon.filled { fill: currentColor; stroke: none; }
.chk { stroke: currentColor; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 12px 22px;
  border-radius: 999px;
  font-weight: 600;
  font-size: 0.95rem;
  transition: transform .15s ease, box-shadow .15s ease, background .15s ease, color .15s ease;
  white-space: nowrap;
}
.btn-lg { padding: 15px 30px; font-size: 1rem; }
.btn-primary { background: var(--maroon-700); color: var(--white); box-shadow: var(--shadow-sm); }
.btn-primary:hover { background: var(--maroon-800); transform: translateY(-2px); }
.btn-outline { border: 1.5px solid var(--maroon-700); color: var(--maroon-700); }
.btn-outline:hover { background: var(--maroon-700); color: var(--white); transform: translateY(-2px); }
.btn-ghost { color: var(--maroon-700); font-weight: 600; }
.btn-ghost:hover { color: var(--maroon-900); }
.btn.full { width: 100%; }

/* ---------- Section basics ---------- */
section { padding: 90px 0; }
.eyebrow {
  color: var(--maroon-600);
  font-weight: 700;
  letter-spacing: .12em;
  font-size: .78rem;
  text-transform: uppercase;
  margin-bottom: 10px;
}
.eyebrow.center { text-align: center; }
.section-head { max-width: 640px; margin: 0 auto 50px; text-align: center; }
.section-head h2 { font-size: clamp(1.7rem, 3vw, 2.4rem); margin-bottom: 12px; }
.section-sub { color: var(--muted); font-size: 1.02rem; }
h1, h2, h3, h4 { line-height: 1.25; color: var(--ink); }

/* =========================================================
   HEADER
========================================================= */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(253, 248, 244, 0.9);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--line);
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 78px;
}
.brand { display: flex; align-items: center; gap: 10px; }
.brand-logo { width: 38px; height: 38px; border-radius: 6px; }
.brand-name { font-size: 1.4rem; font-weight: 800; color: var(--maroon-800); }
.brand-name.light { color: var(--white); }

.main-nav { display: flex; align-items: center; gap: 32px; }
.main-nav ul { display: flex; gap: 28px; }
.nav-link { font-weight: 600; font-size: .95rem; color: var(--ink); position: relative; padding: 6px 0; }
.nav-link:hover, .nav-link.active { color: var(--maroon-700); }
.nav-toggle {
  display: none;
  width: 42px; height: 42px;
  align-items: center; justify-content: center;
  border-radius: 10px;
  color: var(--maroon-800);
}

/* =========================================================
   HERO
========================================================= */
.hero { padding-top: 60px; padding-bottom: 0; background: linear-gradient(180deg, var(--cream-soft), var(--cream)); overflow: hidden; }
.hero-grid {
  display: grid;
  grid-template-columns: 1.05fr 1fr;
  gap: 40px;
  align-items: center;
  padding-bottom: 60px;
}
.hero-copy h1 { font-size: clamp(2.1rem, 4vw, 3.1rem); margin-bottom: 18px; color: var(--maroon-900); }
.hero-sub { color: var(--muted); font-size: 1.08rem; max-width: 520px; margin-bottom: 30px; }
.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; margin-bottom: 42px; }

.hero-features { display: grid; grid-template-columns: 1fr 1fr; gap: 22px; max-width: 520px; }
.hero-features li { display: flex; align-items: flex-start; gap: 12px; }
.hf-icon {
  width: 46px; height: 46px; flex-shrink: 0;
  display: flex; align-items: center; justify-content: center;
  border-radius: 50%;
  background: var(--maroon-700);
  color: var(--white);
}
.hf-text { display: flex; flex-direction: column; font-size: .88rem; color: var(--muted); }
.hf-text strong { color: var(--ink); font-size: .95rem; margin-bottom: 2px; }

/* ---------- Phone mockup ---------- */
.hero-phone { position: relative; display: flex; justify-content: center; }
.phone {
  width: 300px;
  border-radius: 42px;
  background: #17090f;
  padding: 14px 12px;
  box-shadow: var(--shadow);
  position: relative;
}
.phone-notch {
  position: absolute;
  top: 14px; left: 50%; transform: translateX(-50%);
  width: 90px; height: 20px;
  background: #17090f;
  border-radius: 0 0 14px 14px;
  z-index: 2;
}
.phone-screen {
  background: var(--cream-soft);
  border-radius: 30px;
  padding: 26px 14px 16px;
  min-height: 560px;
}
.app-topbar { display: flex; align-items: center; justify-content: space-between; margin-bottom: 16px; }
.app-brand { display: flex; align-items: center; gap: 6px; font-weight: 800; color: var(--maroon-800); }
.app-brand img { width: 20px; height: 20px; border-radius: 4px; }
.app-icons { display: flex; gap: 10px; color: var(--maroon-700); }

.app-section-title { font-size: .82rem; font-weight: 700; color: var(--ink); margin-top: 4px; margin-bottom: 10px; }
.app-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 10px; margin-bottom: 18px; }
.app-tile {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 12px;
  padding: 12px 6px;
  display: flex; flex-direction: column; align-items: center; gap: 6px;
  text-align: center;
}
.app-tile .icon { width: 20px; height: 20px; color: var(--maroon-700); }
.app-tile span { font-size: .62rem; font-weight: 600; color: var(--ink); line-height: 1.2; }

.app-bottomnav {
  display: flex; justify-content: space-between;
  border-top: 1px solid var(--line);
  padding-top: 12px;
}
.abn-item { display: flex; flex-direction: column; align-items: center; gap: 4px; font-size: .6rem; color: var(--muted); font-weight: 600; }
.abn-item .icon { width: 18px; height: 18px; }
.abn-item.active { color: var(--maroon-700); }

.bbps-badge {
  position: absolute;
  right: -10px;
  bottom: 40px;
  background: var(--white);
  border-radius: var(--radius);
  padding: 20px 22px;
  box-shadow: var(--shadow);
  width: 210px;
  display: none;
}
.bbps-title { font-weight: 900; font-size: 1.3rem; color: var(--maroon-800); letter-spacing: .04em; }
.bbps-title.dark { color: var(--white); }
.bbps-sub { font-size: .58rem; font-weight: 700; letter-spacing: .08em; color: var(--gold); margin-bottom: 12px; }
.bbps-sub.dark { color: var(--gold-soft); }
.bbps-list li { display: flex; align-items: center; gap: 8px; font-size: .78rem; font-weight: 600; color: var(--ink); margin-bottom: 8px; }
.bbps-list li .icon { color: var(--maroon-700); }
.bbps-list li:last-child { margin-bottom: 0; }

/* ---------- Trust strip ---------- */
.trust-strip { background: var(--maroon-900); color: var(--white); }
.trust-strip.dark { background: var(--maroon-900); }
.trust-strip-inner {
  display: flex; flex-wrap: wrap; justify-content: center; gap: 40px;
  padding: 22px 24px;
}
.trust-item { display: flex; align-items: center; gap: 10px; font-weight: 600; font-size: .92rem; color: var(--gold-soft); }
.trust-item .icon { color: var(--gold); }

/* =========================================================
   STATS
========================================================= */
.stats { padding: 50px 0; background: var(--white); border-bottom: 1px solid var(--line); }
.stats-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; text-align: center; }
.stat-num { display: block; font-size: clamp(1.6rem, 3vw, 2.2rem); font-weight: 800; color: var(--maroon-700); }
.stat-label { font-size: .88rem; color: var(--muted); font-weight: 600; }

/* =========================================================
   SERVICES
========================================================= */
.services-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 22px;
}
.service-card {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius-sm);
  padding: 26px 20px;
  transition: transform .18s ease, box-shadow .18s ease, border-color .18s ease;
}
.service-card:hover { transform: translateY(-5px); box-shadow: var(--shadow-sm); border-color: transparent; }
.sc-icon {
  width: 50px; height: 50px;
  display: flex; align-items: center; justify-content: center;
  border-radius: 14px;
  background: var(--cream);
  color: var(--maroon-700);
  margin-bottom: 16px;
}
.service-card h3 { font-size: 1.02rem; margin-bottom: 4px; }
.service-card p { font-size: .85rem; color: var(--muted); }

/* =========================================================
   HOW IT WORKS
========================================================= */
.how { background: var(--cream); }
.steps {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 26px;
  position: relative;
}
.step {
  background: var(--white);
  border-radius: var(--radius);
  padding: 30px 22px;
  text-align: center;
  box-shadow: var(--shadow-sm);
}
.step-num {
  width: 44px; height: 44px;
  margin: 0 auto 16px;
  border-radius: 50%;
  background: var(--maroon-700);
  color: var(--white);
  display: flex; align-items: center; justify-content: center;
  font-weight: 800;
}
.step h3 { font-size: 1.05rem; margin-bottom: 8px; }
.step p { font-size: .88rem; color: var(--muted); }

/* =========================================================
   WHY finqpe
========================================================= */
.why-grid { display: grid; grid-template-columns: 1.1fr 0.9fr; gap: 60px; align-items: center; }
.why-list { display: grid; gap: 24px; margin-top: 32px; }
.why-item { display: flex; gap: 16px; align-items: flex-start; }
.wi-icon {
  width: 48px; height: 48px; flex-shrink: 0;
  border-radius: 14px;
  background: var(--maroon-700);
  color: var(--white);
  display: flex; align-items: center; justify-content: center;
}
.why-item h4 { font-size: 1.02rem; margin-bottom: 4px; }
.why-item p { font-size: .88rem; color: var(--muted); }

.why-badge {
  background: linear-gradient(160deg, var(--maroon-700), var(--maroon-900));
  border-radius: 28px;
  padding: 60px 30px;
  text-align: center;
  color: var(--white);
  box-shadow: var(--shadow);
}
.shield-visual { color: var(--gold-soft); margin-bottom: 18px; display: flex; justify-content: center; }

/* =========================================================
   TESTIMONIALS
========================================================= */
.testi-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.testi-card {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  padding: 28px 24px;
}
.stars { display: flex; gap: 4px; color: var(--gold); margin-bottom: 14px; }
.testi-card p { font-size: .92rem; color: var(--ink); margin-bottom: 16px; }
.testi-author { font-weight: 700; font-size: .85rem; color: var(--maroon-700); }

/* =========================================================
   DOWNLOAD CTA
========================================================= */
.download {
  background: linear-gradient(135deg, var(--maroon-800), var(--maroon-900));
  color: var(--white);
  border-radius: 0;
}
.download-inner { display: flex; align-items: center; justify-content: space-between; gap: 40px; }
.download-copy h2 { color: var(--white); font-size: clamp(1.6rem, 3vw, 2.2rem); margin-bottom: 12px; }
.download-copy p { color: var(--gold-soft); max-width: 460px; margin-bottom: 28px; }
.store-buttons { display: flex; gap: 14px; flex-wrap: wrap; }
.store-btn {
  display: flex; align-items: center; gap: 10px;
  background: rgba(255,255,255,.1);
  border: 1px solid rgba(255,255,255,.25);
  border-radius: 12px;
  padding: 10px 18px;
  color: var(--white);
  transition: background .15s ease;
}
.store-btn:hover { background: rgba(255,255,255,.18); }
.store-icon { width: 28px; height: 28px; display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.store-icon .icon { width: 100%; height: 100%; }
.store-btn small { display: block; font-size: .65rem; opacity: .8; }
.store-btn strong { display: block; font-size: .95rem; }
.download-visual { opacity: .9; color: var(--gold-soft); flex-shrink: 0; }

/* =========================================================
   FAQ
========================================================= */
.faq-list { max-width: 780px; margin: 0 auto; display: grid; gap: 14px; }
.faq-item { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius-sm); overflow: hidden; }
.faq-q {
  width: 100%;
  display: flex; align-items: center; justify-content: space-between;
  padding: 18px 22px;
  font-weight: 700; font-size: .98rem;
  text-align: left;
  color: var(--ink);
}
.faq-q .icon { color: var(--maroon-700); transition: transform .2s ease; }
.faq-item.open .faq-q .icon { transform: rotate(45deg); }
.faq-a {
  max-height: 0;
  overflow: hidden;
  transition: max-height .25s ease, padding .25s ease;
  padding: 0 22px;
}
.faq-item.open .faq-a { max-height: 200px; padding: 0 22px 20px; }
.faq-a p { color: var(--muted); font-size: .92rem; }

/* =========================================================
   CONTACT
========================================================= */
.contact { background: var(--cream); }
.contact-grid { display: flex; justify-content: center; }
.contact-info { max-width: 560px; text-align: center; }
.contact-list { margin-top: 26px; display: grid; gap: 16px; justify-items: center; }
.contact-list li { display: flex; align-items: center; gap: 12px; font-weight: 600; color: var(--ink); }
.contact-list .icon { color: var(--maroon-700); }
.social-row { display: flex; gap: 12px; margin-top: 28px; justify-content: center; }
.social-row a {
  width: 40px; height: 40px;
  display: flex; align-items: center; justify-content: center;
  border-radius: 50%;
  background: var(--white);
  color: var(--maroon-700);
  border: 1px solid var(--line);
  transition: background .15s ease, color .15s ease;
}
.social-row a:hover { background: var(--maroon-700); color: var(--white); }

/* =========================================================
   FOOTER
========================================================= */
.site-footer { background: var(--maroon-900); color: var(--white); }
.footer-top {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1fr;
  gap: 40px;
  padding: 70px 24px 50px;
}
.footer-tag { color: var(--gold-soft); font-weight: 700; margin-top: 14px; }
.footer-desc { color: rgba(255,255,255,.65); font-size: .88rem; margin-top: 10px; max-width: 280px; }
.footer-col h4 { color: var(--white); font-size: .92rem; margin-bottom: 18px; text-transform: uppercase; letter-spacing: .06em; }
.footer-col ul { display: grid; gap: 12px; }
.footer-col a { color: rgba(255,255,255,.7); font-size: .9rem; }
.footer-col a:hover { color: var(--gold-soft); }

.footer-bottom {
  display: flex; justify-content: space-between; flex-wrap: wrap; gap: 10px;
  padding: 22px 24px;
  font-size: .82rem;
  color: rgba(255,255,255,.55);
}

/* =========================================================
   BACK TO TOP
========================================================= */
.back-to-top {
  position: fixed;
  right: 22px; bottom: 22px;
  width: 46px; height: 46px;
  border-radius: 50%;
  background: var(--maroon-700);
  color: var(--white);
  display: flex; align-items: center; justify-content: center;
  box-shadow: var(--shadow);
  opacity: 0; visibility: hidden;
  transform: translateY(10px);
  transition: opacity .2s ease, transform .2s ease, visibility .2s ease, background .2s ease;
  z-index: 90;
}
.back-to-top.show { opacity: 1; visibility: visible; transform: translateY(0); }
.back-to-top:hover { background: var(--maroon-800); }
.back-to-top .icon { transform: rotate(-90deg); }

/* =========================================================
   RESPONSIVE
========================================================= */
@media (min-width: 861px) {
  .bbps-badge { display: block; }
}

@media (max-width: 1080px) {
  .services-grid { grid-template-columns: repeat(3, 1fr); }
}

@media (max-width: 960px) {
  .main-nav {
    position: fixed;
    inset: 78px 0 0 0;
    background: var(--cream-soft);
    flex-direction: column;
    align-items: stretch;
    padding: 30px 24px;
    gap: 26px;
    transform: translateX(100%);
    transition: transform .25s ease;
    overflow-y: auto;
  }
  .main-nav.open { transform: translateX(0); }
  .main-nav ul { flex-direction: column; gap: 6px; }
  .nav-link { display: block; padding: 12px 4px; border-bottom: 1px solid var(--line); }
  .nav-toggle { display: flex; }

  .hero-grid { grid-template-columns: 1fr; padding-bottom: 40px; }
  .hero-copy { text-align: center; }
  .hero-sub { margin-left: auto; margin-right: auto; }
  .hero-actions { justify-content: center; }
  .hero-features { margin: 0 auto; }
  .hero-features li { text-align: left; }

  .why-grid { grid-template-columns: 1fr; }
  .why-badge { order: -1; padding: 40px 30px; }
}

@media (max-width: 760px) {
  section { padding: 64px 0; }
  .stats-grid { grid-template-columns: repeat(2, 1fr); gap: 30px; }
  .services-grid { grid-template-columns: repeat(2, 1fr); }
  .steps { grid-template-columns: 1fr 1fr; }
  .testi-grid { grid-template-columns: 1fr; }
  .footer-top { grid-template-columns: 1fr 1fr; }
  .download-inner { flex-direction: column; text-align: center; }
  .download-visual { order: -1; }
}

@media (max-width: 520px) {
  .container { padding: 0 18px; }
  .hero-features { grid-template-columns: 1fr; }
  .services-grid { grid-template-columns: 1fr 1fr; }
  .steps { grid-template-columns: 1fr; }
  .footer-top { grid-template-columns: 1fr; text-align: left; }
  .trust-strip-inner { flex-direction: column; gap: 14px; text-align: center; }
  .phone { width: 100%; max-width: 300px; }
  .btn-lg { width: 100%; }
  .hero-actions { flex-direction: column; }
  .hero-actions .btn { width: 100%; }
}