/* ============================================================
   Pocket Finance — fintech editorial aesthetic
   Deep navy ink + cool white + confident blue/teal accents.
   ============================================================ */

:root{
  --ink:        #0a1120;
  --ink-soft:   #13213a;
  --ink-line:   rgba(224,235,252,0.14);
  --cream:      #f4f8fc;
  --cream-dim:  #e7eef8;
  --sand:       #e9f0f9;
  --blue:       #2f6fed;
  --blue-bright:#6fa3ff;
  --blue-dim:   #17347a;
  --teal: #0e9aa6;
  --teal-deep: #0a6e78;
  --text-dark:  #0f1826;
  --text-mute:  #51607a;

  --display: "Fraunces", "Iowan Old Style", Georgia, serif;
  --body: "Archivo", "Helvetica Neue", Arial, sans-serif;

  --max: 1180px;
}

*,*::before,*::after{ box-sizing:border-box; }
html{ scroll-behavior:smooth; }

body{
  margin:0;
  background:var(--cream);
  color:var(--text-dark);
  font-family:var(--body);
  font-size:16px;
  line-height:1.5;
  -webkit-font-smoothing:antialiased;
  overflow-x:hidden;
}

/* subtle paper grain overlay */
.grain{
  position:fixed; inset:0; pointer-events:none; z-index:999;
  opacity:0.05; mix-blend-mode:multiply;
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='120' height='120'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.9' numOctaves='2' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)'/%3E%3C/svg%3E");
}

.wrap{
  max-width:var(--max);
  margin:0 auto;
  padding:0 32px;
}

h1,h2,h3{
  font-family:var(--display);
  font-weight:500;
  color:var(--ink);
  margin:0 0 0.4em;
  letter-spacing:-0.01em;
}
em{ font-style:italic; color:var(--blue); }

a{ color:inherit; text-decoration:none; }

.eyebrow{
  font-family:var(--body);
  font-weight:600;
  font-size:0.78rem;
  letter-spacing:0.16em;
  text-transform:uppercase;
  color:var(--teal);
  margin:0 0 1em;
}
.eyebrow-light{ color:var(--blue-bright); }

.section-lede{
  font-size:1.15rem;
  line-height:1.65;
  color:var(--text-mute);
  max-width:640px;
  margin:0 0 2.2em;
}
.section-lede-light{ color:rgba(228,238,252,0.72); }

/* ---------- buttons ---------- */
.btn{
  display:inline-flex;
  align-items:center;
  gap:0.5em;
  padding:0.95em 1.7em;
  border-radius:3px;
  font-family:var(--body);
  font-weight:600;
  font-size:0.95rem;
  border:1px solid transparent;
  cursor:pointer;
  transition:transform 0.25s ease, box-shadow 0.25s ease, background 0.25s ease;
}
.btn-primary{
  background:var(--ink);
  color:var(--cream);
  box-shadow:0 1px 0 rgba(0,0,0,0.2);
  position:relative;
  overflow:hidden;
}
.btn-primary::before{
  content:"";
  position:absolute; inset:0;
  background:linear-gradient(100deg, transparent, rgba(111,163,255,0.35), transparent);
  transform:translateX(-120%);
  transition:transform 0.6s ease;
}
.btn-primary:hover::before{ transform:translateX(120%); }
.btn-primary:hover{ transform:translateY(-2px); box-shadow:0 12px 28px rgba(10,17,32,0.4), 0 0 0 1px var(--blue-dim); background:#050811; }
.btn-ghost{
  color:var(--ink);
  border-color:rgba(10,17,32,0.25);
}
.btn-ghost:hover{ border-color:var(--teal); color:var(--teal-deep); background:rgba(14,154,166,0.08); }
.btn-small{ padding:0.6em 1.3em; font-size:0.85rem; background:linear-gradient(135deg, var(--blue-bright), var(--blue)); color:var(--ink); font-weight:700; box-shadow:0 4px 14px rgba(47,111,237,0.35); }
.btn-small:hover{ filter:brightness(1.08); transform:translateY(-1px); }
.btn-large{ padding:1.15em 2.2em; font-size:1.02rem; }

/* ================= HEADER ================= */
.site-header{
  position:sticky; top:0; z-index:100;
  background:rgba(228,238,252,0.86);
  backdrop-filter:blur(10px);
  border-bottom:1px solid rgba(10,17,32,0.08);
}
.header-inner{
  display:flex; align-items:center; justify-content:space-between;
  padding-top:16px; padding-bottom:16px;
}
.brand{ display:flex; align-items:center; gap:0.6em; }
.brand-mark{
  width:34px; height:34px;
  display:grid; place-items:center;
  background:var(--ink); color:var(--blue-bright);
  font-family:var(--display); font-style:italic; font-size:1.2rem;
  border-radius:50%;
}
.brand-word{
  font-family:var(--display);
  font-size:1.18rem;
  color:var(--ink);
  font-weight:500;
}
.brand-word em{ color:var(--teal); font-style:italic; }
.nav{ display:flex; gap:2.1em; }
.nav a{
  font-size:0.92rem; font-weight:500; color:var(--text-dark);
  position:relative; padding-bottom:2px;
}
.nav a::after{
  content:""; position:absolute; left:0; right:0; bottom:-2px; height:1px;
  background:var(--teal); transform:scaleX(0); transform-origin:right;
  transition:transform 0.3s ease;
}
.nav a:hover::after{ transform:scaleX(1); transform-origin:left; }

@media (max-width:860px){ .nav{ display:none; } }

/* ================= HERO ================= */
.hero{
  position:relative;
  padding:7.5rem 0 6rem;
  overflow:hidden;
  background:
    radial-gradient(640px 420px at 82% -10%, rgba(47,111,237,0.22), transparent 70%),
    radial-gradient(520px 420px at 102% 55%, rgba(14,154,166,0.16), transparent 70%),
    var(--cream);
}
.hero::before{
  content:"£";
  position:absolute;
  font-family:var(--display);
  font-weight:600;
  font-size:52rem;
  line-height:1;
  color:var(--ink);
  opacity:0.035;
  right:-10rem;
  top:-13rem;
  z-index:0;
  pointer-events:none;
  user-select:none;
}
.hero-inner{ max-width:820px; position:relative; z-index:2; }
.hero h1{
  font-size:clamp(2.4rem, 5.4vw, 4.1rem);
  line-height:1.08;
  margin-bottom:0.55em;
}
.hero h1 > span:not(.hero-sub-line),
.hero h1{ text-wrap:balance; }
.hero h1 .hero-plain{
  background:linear-gradient(100deg, var(--ink) 40%, var(--teal-deep));
  -webkit-background-clip:text;
  background-clip:text;
  color:transparent;
}
.hero-sub-line{
  display:inline-block;
  margin-top:0.15em;
  font-size:0.52em;
  font-style:italic;
  color:var(--text-mute);
  font-weight:400;
}
.hero-copy{
  font-size:1.2rem;
  color:var(--text-mute);
  max-width:580px;
  margin-bottom:2.2em;
}
.hero-ctas{ display:flex; gap:1em; flex-wrap:wrap; }

.hero-figure{
  position:absolute;
  right:-40px; top:50%;
  transform:translateY(-50%);
  z-index:1;
  opacity:0.9;
}
.coin-stack{ position:relative; width:260px; height:260px; }
.coin-stack span{
  position:absolute;
  border-radius:50%;
  border:2px solid var(--blue);
  background:radial-gradient(circle at 32% 28%, var(--blue-bright), var(--blue) 55%, #153a85 100%);
  box-shadow:inset 0 0 0 1px rgba(255,255,255,0.25), 0 10px 26px rgba(21,64,163,0.35);
}
.coin-stack span:nth-child(1){ width:210px; height:210px; right:0; top:40px; opacity:0.28; }
.coin-stack span:nth-child(2){ width:170px; height:170px; right:50px; top:10px; opacity:0.45; }
.coin-stack span:nth-child(3){ width:130px; height:130px; right:95px; top:-10px; opacity:0.75; animation:float 7s ease-in-out infinite; }
.coin-stack span:nth-child(4){ width:88px; height:88px; right:140px; top:-30px; opacity:1; animation:float 5.5s ease-in-out infinite reverse; }
.coin-stack::after{
  content:"";
  position:absolute;
  right:-20px; top:60px;
  width:280px; height:280px;
  background:radial-gradient(circle, rgba(111,163,255,0.3), transparent 65%);
  filter:blur(6px);
  z-index:-1;
}
@keyframes float{
  0%,100%{ transform:translateY(0); }
  50%{ transform:translateY(-14px); }
}
@media (max-width:980px){ .hero-figure{ display:none; } }

/* ================= STAT BAR ================= */
.statbar{
  background:
    radial-gradient(900px 260px at 18% 0%, rgba(47,111,237,0.16), transparent 70%),
    var(--ink);
  padding:3rem 0;
  position:relative;
  border-top:1px solid rgba(111,163,255,0.18);
  border-bottom:1px solid rgba(111,163,255,0.18);
}
.stat-grid{
  display:grid;
  grid-template-columns:repeat(4,1fr);
  gap:2rem;
}
.stat{
  display:flex; flex-direction:column; gap:0.3em;
  border-left:1px solid var(--ink-line);
  padding-left:1.4rem;
}
.stat:first-child{ border-left:none; padding-left:0; }
.stat-num{
  font-family:var(--display);
  font-weight:500;
  font-size:2.6rem;
  color:var(--cream);
  line-height:1;
}
.stat-accent .stat-num{ color:var(--blue-bright); }
.stat-num small{ font-size:0.55em; }
.stat-label{
  font-size:0.85rem;
  color:rgba(228,238,252,0.6);
  max-width:16ch;
}
@media (max-width:860px){
  .stat-grid{ grid-template-columns:repeat(2,1fr); row-gap:2.2rem; }
  .stat:nth-child(3){ border-left:none; padding-left:0; }
}

/* ================= SECTIONS ================= */
.section{ padding:6.5rem 0; position:relative; }
.section-dark{
  background:
    radial-gradient(700px 500px at 90% 0%, rgba(47,111,237,0.12), transparent 65%),
    radial-gradient(600px 400px at 0% 100%, rgba(14,154,166,0.1), transparent 65%),
    var(--ink);
  color:var(--cream);
}
.section-sand{ background:linear-gradient(170deg, var(--sand), #d9e4f3); }
.h-light{ color:var(--cream); }
.section h2{ font-size:clamp(1.9rem, 3.4vw, 2.7rem); }

/* leaks grid */
.leak-grid{
  display:grid;
  grid-template-columns:repeat(3,1fr);
  gap:1.4rem;
  margin-top:2.5rem;
}
.leak-card{
  position:relative;
  background:#fff;
  border:1px solid rgba(10,17,32,0.08);
  border-radius:6px;
  padding:1.9rem 1.7rem;
  overflow:hidden;
  transition:transform 0.3s ease, box-shadow 0.3s ease, border-color 0.3s ease;
}
.leak-card::before{
  content:"";
  position:absolute; top:0; left:0; right:0; height:3px;
  background:linear-gradient(90deg, var(--teal), var(--blue));
  transform:scaleX(0); transform-origin:left;
  transition:transform 0.35s ease;
}
.leak-card:hover{ transform:translateY(-6px); box-shadow:0 20px 38px rgba(10,17,32,0.12); border-color:transparent; }
.leak-card:hover::before{ transform:scaleX(1); }
.leak-num{
  font-family:var(--display);
  font-style:italic;
  font-weight:600;
  color:var(--blue-dim);
  font-size:3.2rem;
  line-height:1;
  display:block;
  opacity:0.55;
}
.leak-card h3{ margin:0.1em 0 0.4em; font-size:1.2rem; }
.leak-card p{ color:var(--text-mute); font-size:0.95rem; margin:0; }
.leak-card-cta{
  background:linear-gradient(155deg, var(--ink), #152542);
  color:var(--cream);
  border:none;
}
.leak-card-cta::before{ display:none; }
.leak-card-cta:hover{ transform:translateY(-6px); box-shadow:0 20px 40px rgba(10,17,32,0.4); }
.leak-card-cta h3{ color:var(--cream); }
.leak-card-cta p{ color:rgba(228,238,252,0.7); }

@media (max-width:980px){ .leak-grid{ grid-template-columns:repeat(2,1fr); } }
@media (max-width:620px){ .leak-grid{ grid-template-columns:1fr; } }

/* testimonial */
.testimonial-section{ padding-top:4.5rem; padding-bottom:4.5rem; }
.testimonial-wrap{ max-width:760px; text-align:center; margin:0 auto; }
.testimonial{
  margin:0 0 2.2rem;
  position:relative;
}
.testimonial p{
  font-family:var(--display);
  font-style:italic;
  font-size:1.45rem;
  line-height:1.55;
  color:var(--ink);
  margin:0 0 1.2em;
}
.testimonial p::before{
  content:"\201C";
  color:var(--teal);
  opacity:0.6;
}
.testimonial footer{ display:flex; flex-direction:column; gap:0.15em; }
.testimonial-name{ font-weight:700; font-size:0.98rem; color:var(--ink); }
.testimonial-role{ font-size:0.85rem; color:var(--text-mute); text-transform:uppercase; letter-spacing:0.06em; }
.testimonial-figures{
  display:flex;
  justify-content:center;
  gap:3rem;
  flex-wrap:wrap;
  margin-top:0.5rem;
}
.testimonial-figures div{ display:flex; flex-direction:column; gap:0.2em; }
.testimonial-figures strong{
  font-family:var(--display);
  font-size:2rem;
  color:var(--teal);
}
.testimonial-figures span{ font-size:0.85rem; color:var(--text-mute); max-width:22ch; }

/* process rail */
.process-rail{
  margin-top:3rem;
  display:flex;
  flex-direction:column;
}
.process-step{
  display:grid;
  grid-template-columns:90px 1fr;
  gap:1.6rem;
  padding:2rem 0;
  border-top:1px solid var(--ink-line);
}
.process-step:last-child{ border-bottom:1px solid var(--ink-line); }
.process-index{
  font-family:var(--display);
  font-style:italic;
  font-size:2.2rem;
  color:var(--blue-bright);
}
.process-step h3{ color:var(--cream); font-size:1.3rem; display:flex; align-items:baseline; gap:0.6em; flex-wrap:wrap; }
.process-time{
  font-family:var(--body);
  font-weight:500;
  font-size:0.78rem;
  letter-spacing:0.05em;
  text-transform:uppercase;
  color:var(--teal);
  background:rgba(14,154,166,0.15);
  padding:0.25em 0.7em;
  border-radius:20px;
}
.process-step p{ color:rgba(228,238,252,0.68); max-width:620px; margin:0.4em 0 0; }
.process-step-pay .process-index{ color:var(--blue-bright); }
.process-step-pay{ background:rgba(111,163,255,0.08); }

@media (max-width:620px){
  .process-step{ grid-template-columns:50px 1fr; gap:1rem; }
  .process-index{ font-size:1.5rem; }
}

/* why */
.why-grid{
  display:grid;
  grid-template-columns:1.2fr 1fr;
  gap:3.5rem;
  align-items:start;
}
.why-list{ list-style:none; margin:0; padding:0; display:flex; flex-direction:column; gap:1.1rem; }
.why-list li{
  font-size:1.02rem;
  color:var(--text-mute);
  padding-left:1.3em;
  position:relative;
}
.why-list li::before{
  content:"—";
  position:absolute; left:0; color:var(--teal);
}
.why-list strong{ color:var(--ink); }
.why-panel{
  background:var(--ink);
  color:var(--cream);
  padding:2.4rem;
  border-radius:8px;
  position:relative;
}
.why-panel::before{
  content:"";
  position:absolute; top:0; left:0; right:0; height:3px;
  background:linear-gradient(90deg, var(--blue), var(--teal));
  border-radius:8px 8px 0 0;
}
.why-panel-eyebrow{
  font-weight:600; font-size:0.78rem; letter-spacing:0.14em; text-transform:uppercase;
  color:var(--blue-bright); margin:0 0 1em;
}
.why-panel-body{ color:rgba(228,238,252,0.78); line-height:1.65; margin:0 0 1.4em; }
.why-panel-foot{
  font-family:var(--display); font-style:italic; color:var(--blue-bright);
  margin:0; font-size:1.05rem;
}

@media (max-width:900px){ .why-grid{ grid-template-columns:1fr; } }

/* founder */
.founder-grid{
  display:grid;
  grid-template-columns:200px 1fr;
  gap:3rem;
  align-items:start;
}
.founder-mark{
  position:relative;
  width:170px; height:170px; border-radius:50%;
  background:linear-gradient(145deg, var(--ink), #17284a);
  color:var(--blue-bright);
  display:grid; place-items:center;
  font-family:var(--display); font-style:italic; font-size:3rem;
  box-shadow:0 20px 40px rgba(10,17,32,0.22), 0 0 0 6px rgba(111,163,255,0.14);
}
.founder-mark::after{
  content:"";
  position:absolute; inset:-22px;
  border-radius:50%;
  border:1px dashed rgba(47,111,237,0.35);
  z-index:-1;
}
.credential{
  font-family:var(--body);
  font-size:0.55em;
  font-weight:600;
  color:var(--teal);
  letter-spacing:0.03em;
  vertical-align:middle;
}
.founder-quote{
  position:relative;
  font-family:var(--display);
  font-style:italic;
  font-size:1.2rem;
  color:var(--ink);
  border-left:3px solid var(--blue);
  padding-left:1.2em;
  max-width:620px;
}
.founder-quote::before{
  content:"\201C";
  position:absolute;
  left:0.15em; top:-0.5em;
  font-family:var(--display);
  font-size:3.4rem;
  color:var(--blue);
  opacity:0.45;
  font-style:normal;
}
@media (max-width:760px){
  .founder-grid{ grid-template-columns:1fr; }
  .founder-mark{ width:110px; height:110px; font-size:2rem; }
}

/* final cta */
.cta-final-inner{ text-align:center; }
.cta-final-inner .section-lede{ margin-left:auto; margin-right:auto; }
.contact-row{
  margin-top:2.2rem;
  display:flex; flex-direction:column; align-items:center; gap:1rem;
}
.contact-details{ display:flex; gap:1.4rem; color:rgba(228,238,252,0.65); font-size:0.95rem; }
.contact-details a:hover{ color:var(--blue-bright); }

/* footer */
.site-footer{
  background:var(--ink);
  border-top:1px solid var(--ink-line);
  padding:1.6rem 0 2.4rem;
}
.footer-inner{
  display:flex; justify-content:space-between; flex-wrap:wrap; gap:0.6em;
  font-size:0.8rem; color:rgba(228,238,252,0.45);
}

/* ================= reveal-on-scroll ================= */
.reveal{
  opacity:0;
  transform:translateY(18px);
  transition:opacity 0.7s cubic-bezier(.2,.7,.3,1), transform 0.7s cubic-bezier(.2,.7,.3,1);
}
.reveal.is-visible{ opacity:1; transform:translateY(0); }

@media (max-width:620px){
  .wrap{ padding:0 20px; }
  .section{ padding:4.5rem 0; }
  .hero{ padding:4.5rem 0 3.5rem; }
}