/* ==========================================================================
   OwnFi — marketing site styles
   Calm, trustworthy fintech. Slate/neutral palette + a single teal accent.
   ========================================================================== */

:root {
  /* Neutrals (slate) */
  --slate-50: #f8fafc;
  --slate-100: #f1f5f9;
  --slate-200: #e2e8f0;
  --slate-300: #cbd5e1;
  --slate-400: #94a3b8;
  --slate-500: #64748b;
  --slate-600: #475569;
  --slate-700: #334155;
  --slate-800: #1e293b;
  --slate-900: #0f172a;

  /* Brand accent (indigo) */
  --accent-50: #eef1f8;
  --accent-100: #d8def0;
  --accent-500: #1f2a56;
  --accent-600: #18213f;
  --accent-700: #141a35;

  /* Secondary accent (muted gold) — decorative use only */
  --gold-100: #f3ead4;
  --gold-400: #c6a55a;
  --gold-600: #a9863f;

  /* Semantic tokens */
  --bg: #ffffff;
  --bg-subtle: var(--slate-50);
  --surface: #ffffff;
  --border: var(--slate-200);
  --border-strong: var(--slate-300);
  --text: var(--slate-900);
  --text-muted: var(--slate-600);
  --text-subtle: var(--slate-500);
  --accent: var(--accent-500);
  --accent-hover: var(--accent-600);

  --radius-sm: 8px;
  --radius: 12px;
  --radius-lg: 18px;
  --shadow-sm: 0 1px 2px rgba(15, 23, 42, 0.04), 0 1px 3px rgba(15, 23, 42, 0.06);
  --shadow: 0 4px 12px rgba(15, 23, 42, 0.06), 0 2px 4px rgba(15, 23, 42, 0.04);
  --shadow-lg: 0 18px 40px rgba(15, 23, 42, 0.1);

  --maxw: 1120px;
  --font: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto,
    Helvetica, Arial, sans-serif;
  --font-mono: ui-monospace, SFMono-Regular, "SF Mono", Menlo, Consolas,
    "Liberation Mono", monospace;
}

/* ---------- Reset ---------- */
*,
*::before,
*::after {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
  -webkit-text-size-adjust: 100%;
}

@media (prefers-reduced-motion: reduce) {
  html {
    scroll-behavior: auto;
  }
  * {
    animation-duration: 0.001ms !important;
    transition-duration: 0.001ms !important;
  }
}

body {
  margin: 0;
  font-family: var(--font);
  color: var(--text);
  background: var(--bg);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}

img,
svg {
  display: block;
  max-width: 100%;
}

a {
  color: var(--accent);
  text-decoration: none;
}

a:hover {
  text-decoration: underline;
}

h1,
h2,
h3,
h4 {
  line-height: 1.2;
  letter-spacing: -0.02em;
  color: var(--slate-900);
  margin: 0 0 0.5em;
  font-weight: 700;
}

p {
  margin: 0 0 1rem;
}

ul,
ol {
  margin: 0 0 1rem;
  padding-left: 1.2rem;
}

/* ---------- Accessibility helpers ---------- */
:focus-visible {
  outline: 3px solid var(--accent);
  outline-offset: 2px;
  border-radius: 4px;
}

.skip-link {
  position: absolute;
  left: -9999px;
  top: 0;
  background: var(--slate-900);
  color: #fff;
  padding: 0.75rem 1rem;
  border-radius: 0 0 var(--radius-sm) 0;
  z-index: 100;
}

.skip-link:focus {
  left: 0;
}

.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;
}

/* ---------- Layout ---------- */
.container {
  width: 100%;
  max-width: var(--maxw);
  margin-inline: auto;
  padding-inline: 1.5rem;
}

.section {
  padding-block: clamp(3.5rem, 8vw, 6rem);
}

.section--subtle {
  background: var(--bg-subtle);
  border-block: 1px solid var(--border);
}

.section__head {
  max-width: 640px;
  margin-bottom: 2.5rem;
}

.section__head.center {
  margin-inline: auto;
  text-align: center;
}

.eyebrow {
  display: inline-block;
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--accent);
  margin-bottom: 0.75rem;
}

.section h2 {
  font-size: clamp(1.6rem, 3.5vw, 2.25rem);
}

.lead {
  font-size: 1.125rem;
  color: var(--text-muted);
}

/* ---------- Header / nav ---------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(255, 255, 255, 0.85);
  backdrop-filter: saturate(180%) blur(12px);
  border-bottom: 1px solid var(--border);
}

.nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  height: 68px;
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 0.6rem;
  font-weight: 700;
  font-size: 1.15rem;
  color: var(--slate-900);
  letter-spacing: -0.02em;
}

.brand:hover {
  text-decoration: none;
}

.brand__mark {
  width: 30px;
  height: 30px;
  flex: none;
}

.nav__links {
  display: flex;
  align-items: center;
  gap: 0.35rem;
  list-style: none;
  margin: 0;
  padding: 0;
}

.nav__links a {
  display: inline-block;
  padding: 0.5rem 0.85rem;
  border-radius: var(--radius-sm);
  color: var(--text-muted);
  font-weight: 500;
  font-size: 0.95rem;
}

.nav__links a:hover {
  color: var(--slate-900);
  background: var(--slate-100);
  text-decoration: none;
}

.nav__cta {
  display: flex;
  align-items: center;
  gap: 0.5rem;
}

.nav-toggle {
  display: none;
}

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  font-family: inherit;
  font-weight: 600;
  font-size: 0.975rem;
  line-height: 1;
  padding: 0.75rem 1.25rem;
  border-radius: var(--radius-sm);
  border: 1px solid transparent;
  cursor: pointer;
  transition: background-color 0.15s ease, border-color 0.15s ease,
    color 0.15s ease, transform 0.05s ease;
  white-space: nowrap;
}

.btn:hover {
  text-decoration: none;
}

.btn:active {
  transform: translateY(1px);
}

.btn--primary {
  background: var(--accent);
  color: #fff;
}

.btn--primary:hover {
  background: var(--accent-hover);
  color: #fff;
}

.btn--secondary {
  background: var(--surface);
  color: var(--slate-800);
  border-color: var(--border-strong);
}

.btn--secondary:hover {
  background: var(--slate-50);
  border-color: var(--slate-400);
}

.btn--ghost {
  background: transparent;
  color: var(--slate-700);
  padding-inline: 0.85rem;
}

.btn--ghost:hover {
  background: var(--slate-100);
}

.btn--lg {
  padding: 0.9rem 1.6rem;
  font-size: 1.05rem;
}

/* ---------- Hero ---------- */
.hero {
  position: relative;
  padding-block: clamp(3.5rem, 9vw, 6.5rem);
  background: radial-gradient(
      1200px 500px at 75% -10%,
      var(--accent-50),
      transparent 60%
    ),
    linear-gradient(180deg, #ffffff 0%, var(--slate-50) 100%);
  border-bottom: 1px solid var(--border);
}

.hero__grid {
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  gap: clamp(2rem, 5vw, 4rem);
  align-items: center;
}

.hero__badge {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  background: var(--surface);
  border: 1px solid var(--border);
  color: var(--text-muted);
  font-size: 0.85rem;
  font-weight: 500;
  padding: 0.4rem 0.85rem;
  border-radius: 999px;
  box-shadow: var(--shadow-sm);
  margin-bottom: 1.5rem;
}

.hero__badge .dot {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: var(--gold-400);
  flex: none;
}

.hero h1 {
  font-size: clamp(2.1rem, 5.2vw, 3.4rem);
  margin-bottom: 1.1rem;
}

.hero__sub {
  font-size: 1.18rem;
  color: var(--text-muted);
  max-width: 38ch;
  margin-bottom: 2rem;
}

.hero__actions {
  display: flex;
  flex-wrap: wrap;
  gap: 0.85rem;
  margin-bottom: 1.25rem;
}

.hero__note {
  font-size: 0.9rem;
  color: var(--text-subtle);
  margin: 0;
}

/* ---------- Mock app preview (hero) ---------- */
.mock {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  overflow: hidden;
}

.mock__bar {
  display: flex;
  align-items: center;
  gap: 0.4rem;
  padding: 0.75rem 1rem;
  background: var(--slate-50);
  border-bottom: 1px solid var(--border);
}

.mock__bar span {
  width: 11px;
  height: 11px;
  border-radius: 50%;
  background: var(--slate-300);
}

.mock__bar .mock__url {
  width: auto;
  height: auto;
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: 6px;
  padding: 0.2rem 0.7rem;
  margin-left: 0.6rem;
  font-size: 0.78rem;
  color: var(--text-subtle);
  font-family: var(--font-mono);
}

.mock__body {
  padding: 1.25rem;
}

.mock__row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  margin-bottom: 1rem;
}

.mock__title {
  font-size: 0.8rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--text-subtle);
}

.mock__balance {
  font-size: 1.85rem;
  font-weight: 700;
  letter-spacing: -0.02em;
}

.mock__pill {
  font-size: 0.72rem;
  font-weight: 600;
  padding: 0.25rem 0.6rem;
  border-radius: 999px;
  background: var(--accent-50);
  color: var(--accent-700);
  border: 1px solid var(--accent-100);
}

.mock__list {
  list-style: none;
  margin: 0;
  padding: 0;
  display: grid;
  gap: 0.6rem;
}

.mock__item {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 0.75rem;
  padding: 0.75rem 0.85rem;
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  background: var(--surface);
}

.mock__item-main {
  display: flex;
  align-items: center;
  gap: 0.7rem;
  min-width: 0;
}

.mock__token {
  width: 32px;
  height: 32px;
  border-radius: 50%;
  background: var(--slate-100);
  display: grid;
  place-items: center;
  font-size: 0.72rem;
  font-weight: 700;
  color: var(--slate-600);
  flex: none;
}

.mock__item-name {
  font-weight: 600;
  font-size: 0.92rem;
}

.mock__item-sub {
  font-size: 0.78rem;
  color: var(--text-subtle);
}

.mock__apy {
  text-align: right;
}

.mock__apy strong {
  display: block;
  font-size: 0.95rem;
  color: var(--accent-700);
}

.mock__apy span {
  font-size: 0.72rem;
  color: var(--text-subtle);
}

.risk-dots {
  display: inline-flex;
  gap: 3px;
  vertical-align: middle;
}

.risk-dots i {
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--slate-300);
  display: inline-block;
}

.risk-dots[data-level="1"] i:nth-child(-n + 1),
.risk-dots[data-level="2"] i:nth-child(-n + 2),
.risk-dots[data-level="3"] i:nth-child(-n + 3) {
  background: var(--gold-400);
}

/* ---------- Cards / grids ---------- */
.grid {
  display: grid;
  gap: 1.25rem;
}

.grid--3 {
  grid-template-columns: repeat(3, 1fr);
}

.grid--2 {
  grid-template-columns: repeat(2, 1fr);
}

.card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 1.6rem;
  box-shadow: var(--shadow-sm);
  height: 100%;
}

.card h3 {
  font-size: 1.2rem;
  margin-bottom: 0.5rem;
}

.card p {
  color: var(--text-muted);
  margin: 0;
  font-size: 0.97rem;
}

.card__icon {
  width: 44px;
  height: 44px;
  border-radius: 10px;
  background: var(--accent-50);
  border: 1px solid var(--accent-100);
  color: var(--accent-700);
  display: grid;
  place-items: center;
  margin-bottom: 1.1rem;
}

.card__icon svg {
  width: 22px;
  height: 22px;
}

/* Feature (product preview) grid */
.feature {
  display: flex;
  gap: 1rem;
  padding: 1.4rem;
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  box-shadow: var(--shadow-sm);
}

.feature__num {
  font-family: var(--font-mono);
  font-size: 0.8rem;
  font-weight: 600;
  color: var(--accent-700);
  background: var(--accent-50);
  border: 1px solid var(--accent-100);
  border-radius: 8px;
  width: 34px;
  height: 34px;
  display: grid;
  place-items: center;
  flex: none;
}

.feature h3 {
  font-size: 1.05rem;
  margin-bottom: 0.3rem;
}

.feature p {
  margin: 0;
  font-size: 0.92rem;
  color: var(--text-muted);
}

/* Chips */
.chips {
  display: flex;
  flex-wrap: wrap;
  gap: 0.6rem;
  margin-top: 1.5rem;
}

.chip {
  display: inline-flex;
  align-items: center;
  gap: 0.45rem;
  font-size: 0.85rem;
  font-weight: 500;
  color: var(--text-muted);
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: 999px;
  padding: 0.4rem 0.85rem;
}

.chip strong {
  color: var(--slate-900);
}

/* ---------- Callout / waitlist ---------- */
.callout {
  background: var(--slate-900);
  color: var(--slate-100);
  border-radius: var(--radius-lg);
  padding: clamp(2rem, 5vw, 3.25rem);
  text-align: center;
}

.callout h2 {
  color: #fff;
}

.callout p {
  color: var(--slate-300);
  max-width: 52ch;
  margin-inline: auto;
}

.callout .hero__actions {
  justify-content: center;
  margin-top: 1.75rem;
  margin-bottom: 0;
}

.callout .btn--secondary {
  background: transparent;
  color: #fff;
  border-color: rgba(255, 255, 255, 0.3);
}

.callout .btn--secondary:hover {
  background: rgba(255, 255, 255, 0.08);
  border-color: rgba(255, 255, 255, 0.5);
}

/* ---------- Disclaimer ---------- */
.disclaimer {
  border: 1px solid var(--border);
  border-left: 4px solid var(--gold-400);
  background: var(--bg-subtle);
  border-radius: var(--radius);
  padding: 1.5rem 1.75rem;
}

.disclaimer h2 {
  font-size: 1.05rem;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--slate-700);
  margin-bottom: 0.6rem;
}

.disclaimer p {
  font-size: 0.92rem;
  color: var(--text-muted);
  margin: 0;
}

/* ---------- Prose (legal / about pages) ---------- */
.page-hero {
  padding-block: clamp(2.5rem, 6vw, 4rem);
  background: linear-gradient(180deg, #ffffff 0%, var(--slate-50) 100%);
  border-bottom: 1px solid var(--border);
}

.page-hero h1 {
  font-size: clamp(1.9rem, 4.5vw, 2.75rem);
  margin-bottom: 0.5rem;
}

.page-hero p {
  color: var(--text-muted);
  font-size: 1.1rem;
  margin: 0;
  max-width: 60ch;
}

.prose {
  max-width: 760px;
}

.prose h2 {
  font-size: 1.4rem;
  margin-top: 2.25rem;
}

.prose h3 {
  font-size: 1.1rem;
  margin-top: 1.5rem;
}

.prose p,
.prose li {
  color: var(--text-muted);
}

.prose a {
  text-decoration: underline;
}

.meta-note {
  font-size: 0.9rem;
  color: var(--text-subtle);
  font-style: italic;
}

/* ---------- Footer ---------- */
.site-footer {
  background: var(--slate-900);
  color: var(--slate-300);
  padding-block: 3.5rem 2.5rem;
}

.footer__grid {
  display: grid;
  grid-template-columns: 1.6fr 1fr 1fr;
  gap: 2.5rem;
  margin-bottom: 2.5rem;
}

.site-footer .brand {
  color: #fff;
}

/* Indigo mark needs a light tile to stay legible on the dark footer */
.site-footer .brand__mark {
  width: 34px;
  height: 34px;
  background: #fff;
  border-radius: 8px;
  padding: 4px;
}

.footer__about {
  font-size: 0.92rem;
  color: var(--slate-400);
  max-width: 42ch;
  margin-top: 1rem;
}

.footer__col h4 {
  color: #fff;
  font-size: 0.85rem;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  margin-bottom: 1rem;
}

.footer__col ul {
  list-style: none;
  margin: 0;
  padding: 0;
  display: grid;
  gap: 0.6rem;
}

.footer__col a {
  color: var(--slate-300);
  font-size: 0.93rem;
}

.footer__col a:hover {
  color: #fff;
}

.footer__disclaimer {
  border-top: 1px solid var(--slate-700);
  padding-top: 1.75rem;
  font-size: 0.82rem;
  color: var(--slate-400);
  line-height: 1.6;
}

.footer__disclaimer strong {
  color: var(--slate-200);
}

.footer__bottom {
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  gap: 1rem;
  align-items: center;
  margin-top: 1.75rem;
  padding-top: 1.5rem;
  border-top: 1px solid var(--slate-800);
  font-size: 0.85rem;
  color: var(--slate-400);
}

.footer__bottom a {
  color: var(--slate-300);
}

/* ---------- Responsive ---------- */
@media (max-width: 900px) {
  .hero__grid {
    grid-template-columns: 1fr;
  }
  .hero__media {
    order: -1;
    max-width: 480px;
  }
  .grid--3 {
    grid-template-columns: repeat(2, 1fr);
  }
  .footer__grid {
    grid-template-columns: 1fr 1fr;
  }
  .footer__brand-col {
    grid-column: 1 / -1;
  }
}

@media (max-width: 680px) {
  .nav__links,
  .nav__cta .btn--ghost {
    display: none;
  }
  .nav-toggle {
    display: inline-flex;
  }
  .nav__links.is-open {
    display: flex;
    position: absolute;
    top: 68px;
    left: 0;
    right: 0;
    flex-direction: column;
    align-items: stretch;
    gap: 0.25rem;
    background: var(--surface);
    border-bottom: 1px solid var(--border);
    padding: 0.75rem 1.5rem 1.25rem;
    box-shadow: var(--shadow);
  }
  .nav__links.is-open a {
    padding: 0.7rem 0.5rem;
  }
  .grid--3,
  .grid--2 {
    grid-template-columns: 1fr;
  }
  .footer__grid {
    grid-template-columns: 1fr;
    gap: 2rem;
  }
}