/* ============================================================
   IDEASFLIP — production stylesheet
   Midnight #061E36 · Anchor #0D3B66 · Deep #092C4E · Orange #F0812C
   Sky #3A9FD8 · Ink #1C2733 · Slate #5D6B7A · Mist #F4F7FA
   No inline styles anywhere (CSP: style-src 'self').
   ============================================================ */

/* ---------- fonts (self-hosted) ---------- */
@font-face{font-family:'Plus Jakarta Sans';font-style:normal;font-weight:400;font-display:swap;src:url('../assets/fonts/plus-jakarta-sans-latin-400-normal.woff2') format('woff2')}
@font-face{font-family:'Plus Jakarta Sans';font-style:normal;font-weight:500;font-display:swap;src:url('../assets/fonts/plus-jakarta-sans-latin-500-normal.woff2') format('woff2')}
@font-face{font-family:'Plus Jakarta Sans';font-style:normal;font-weight:600;font-display:swap;src:url('../assets/fonts/plus-jakarta-sans-latin-600-normal.woff2') format('woff2')}
@font-face{font-family:'Plus Jakarta Sans';font-style:normal;font-weight:800;font-display:swap;src:url('../assets/fonts/plus-jakarta-sans-latin-800-normal.woff2') format('woff2')}
@font-face{font-family:'Inter';font-style:normal;font-weight:400;font-display:swap;src:url('../assets/fonts/inter-latin-400-normal.woff2') format('woff2')}
@font-face{font-family:'Inter';font-style:normal;font-weight:500;font-display:swap;src:url('../assets/fonts/inter-latin-500-normal.woff2') format('woff2')}
@font-face{font-family:'Inter';font-style:normal;font-weight:600;font-display:swap;src:url('../assets/fonts/inter-latin-600-normal.woff2') format('woff2')}

/* ---------- tokens & base ---------- */
:root{
  --midnight:#061E36; --anchor:#0D3B66; --deep:#092C4E;
  --orange:#F0812C; --sky:#3A9FD8;
  --ink:#1C2733; --slate:#5D6B7A; --mist:#F4F7FA;
  --mist-60:rgba(244,247,250,.6); --mist-88:rgba(244,247,250,.88);
  --hair-l:rgba(13,59,102,.14); --hair-d:rgba(244,247,250,.14);
  --jk:'Plus Jakarta Sans',ui-sans-serif,system-ui,sans-serif;
  --body:'Inter',ui-sans-serif,system-ui,sans-serif;
  --gutter:clamp(20px,5.5vw,80px);
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:var(--body);background:var(--mist);color:var(--ink);-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility}
img{display:block;max-width:100%}
a{color:inherit;text-decoration:none}
button{font:inherit;color:inherit;background:none;border:none;cursor:pointer}
ul,ol{list-style:none}
::selection{background:var(--orange);color:#fff}
:focus-visible{outline:2px solid var(--sky);outline-offset:3px;border-radius:4px}
.skip-link{position:absolute;left:-999px;top:0;z-index:200;background:var(--anchor);color:#fff;padding:10px 18px;border-radius:0 0 10px 0}
.skip-link:focus{left:0}

/* ---------- shared type & bits ---------- */
.h2{font-family:var(--jk);font-weight:600;font-size:clamp(30px,3.6vw,48px);line-height:1.1;letter-spacing:-.03em;color:var(--ink)}
.h2-light{color:var(--mist)}
.sec-head{display:grid;grid-template-columns:minmax(0,1fr) 360px;gap:48px;align-items:end;padding:0 var(--gutter);margin-bottom:46px}
.sec-side{font-size:15px;line-height:1.7;color:var(--slate);padding-bottom:6px}
.sec-side-dark{color:#9DB6CC}
.sec-side-mid{color:#AFC6DB}
.ico{width:17px;height:17px;flex:none;display:inline-block}
.btn{display:inline-flex;align-items:center;gap:14px;font-family:var(--jk);font-weight:600;font-size:16px;border-radius:999px;transition:transform .25s ease,background .25s ease,border-color .25s ease}
.btn:active{transform:scale(.98)}
.btn-accent{background:var(--orange);color:#fff;padding:9px 9px 9px 28px}
.btn-accent:hover{background:#D96F1E}
.btn-ghost{border:1.5px solid rgba(244,247,250,.5);color:var(--mist);padding:14px 30px}
.btn-ghost:hover{border-color:var(--mist);background:rgba(244,247,250,.08)}
.btn-light{background:var(--mist);color:var(--midnight);padding:13px 26px;font-size:14px}
.btn-light:hover{background:#fff}
.btn-circle{display:inline-grid;place-items:center;width:38px;height:38px;border-radius:999px;background:#fff;color:var(--orange)}
.btn-circle .ico{width:18px;height:18px}
.btn-circle-sm{width:34px;height:34px;background:rgba(244,247,250,.92)}
.link-more{display:inline-flex;align-items:center;gap:10px;font-family:var(--jk);font-weight:600;font-size:15px;color:var(--anchor)}
.link-more:hover{color:var(--orange)}
.link-light{color:var(--mist);gap:12px}
.link-light:hover{color:var(--mist)}
.nameplate{font-family:var(--jk);font-weight:800;letter-spacing:-.028em;color:var(--mist)}

/* partner names (typeset, pending logo permissions) */
.pn{white-space:nowrap}
.pn-access{font-family:Georgia,serif;font-weight:700;letter-spacing:-.01em}
.pn-fidelity{font-family:'Trebuchet MS',sans-serif;font-weight:600;font-style:italic}
.pn-ecobank{font-family:Arial,sans-serif;font-weight:900;letter-spacing:.12em}
.pn-calbank{font-family:'Palatino Linotype',Palatino,serif;font-weight:500}
.pn-mtn{font-family:Arial,sans-serif;font-weight:900;letter-spacing:.08em}
.pn-telecel{font-family:'Trebuchet MS',sans-serif;font-weight:600}
.pn-at{font-family:Verdana,sans-serif;font-weight:700}

/* ---------- 01 · nav ---------- */
.nav{position:fixed;top:0;left:0;right:0;z-index:100;display:flex;align-items:center;justify-content:space-between;gap:16px;padding:22px var(--gutter);transition:background .35s ease,padding .35s ease,box-shadow .35s ease}
.nav.is-solid{background:rgba(6,30,54,.88);backdrop-filter:blur(12px);padding:12px var(--gutter);box-shadow:0 1px 0 var(--hair-d)}
.nav-links{display:flex;gap:26px;background:rgba(6,30,54,.42);backdrop-filter:blur(8px);border:1px solid rgba(244,247,250,.16);border-radius:999px;padding:13px 26px;font-size:14px;color:#DCE8F2}
.nav-links a:hover{color:#fff}
.nav-logo{flex:1 1 0;min-width:0}
.nav-logo img{height:26px;width:auto}
.nav-right{flex:1 1 0;min-width:0;display:flex;align-items:center;justify-content:flex-end;gap:12px}
.nav-burger{display:none;width:44px;height:44px;border-radius:999px;border:1.5px solid rgba(244,247,250,.4);flex-direction:column;align-items:center;justify-content:center;gap:5px}
.nav-burger span{display:block;width:16px;height:2px;background:var(--mist);border-radius:2px}
.menu{position:fixed;inset:0;z-index:150;background:var(--midnight);display:flex;align-items:center;justify-content:center}
.menu[hidden]{display:none}
.menu-close{position:absolute;top:22px;right:22px;width:48px;height:48px;border-radius:999px;border:1.5px solid rgba(244,247,250,.4);color:var(--mist);font-size:26px;line-height:1}
.menu-links{display:flex;flex-direction:column;gap:22px;text-align:center}
.menu-links a{font-family:var(--jk);font-weight:600;font-size:clamp(26px,7vw,36px);letter-spacing:-.02em;color:var(--mist)}
.menu-links a:hover{color:var(--orange)}

/* ---------- 02 · hero ---------- */
.hero{position:relative;height:100svh;min-height:640px;background:var(--anchor);overflow:hidden}
.hero-media{position:absolute;inset:0}
.hero-img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:center 40%;opacity:0;transition:opacity .7s ease}
.hero-img.is-active{opacity:1}
.hero-scrim{position:absolute;inset:0;background:linear-gradient(90deg,rgba(6,30,54,.9) 0%,rgba(6,30,54,.76) 34%,rgba(6,30,54,.34) 62%,rgba(6,30,54,.14) 100%)}
.hero-scrim-btm{position:absolute;left:0;right:0;bottom:0;height:220px;background:linear-gradient(180deg,transparent,rgba(6,30,54,.8))}
.hero-scrim-top{position:absolute;left:0;right:0;top:0;height:130px;background:linear-gradient(180deg,rgba(6,30,54,.55),transparent)}
.hero-copy{position:absolute;left:0;top:88px;bottom:120px;width:min(760px,92%);display:flex;flex-direction:column;justify-content:center;padding-left:var(--gutter);z-index:2}
.hero-slide[hidden]{display:none}
.hero-title{font-family:var(--jk);font-weight:600;font-size:clamp(34px,4.4vw,62px);line-height:1.04;letter-spacing:-.04em;color:var(--mist)}
.hero-sub{margin-top:24px;font-size:clamp(15px,1.2vw,16.5px);line-height:1.65;color:var(--mist-88);max-width:520px}
.hero-ctas{display:flex;flex-wrap:wrap;align-items:center;gap:14px;margin-top:30px}
.flapword{display:inline-flex;gap:8px;margin-top:14px}
.ft{display:inline-grid;place-items:center;width:clamp(42px,4.6vw,66px);height:clamp(54px,6vw,86px);border-radius:8px;position:relative;font-family:var(--jk);font-weight:600;font-size:clamp(26px,3vw,42px);color:#EAF1F8;background:linear-gradient(180deg,#0E3357 0%,#0E3357 49.5%,#0A2642 50.5%,#081F38 100%);box-shadow:inset 0 1px 0 rgba(244,247,250,.09),0 2px 6px rgba(0,0,0,.35)}
.ft::after{content:"";position:absolute;left:0;right:0;top:50%;height:1px;background:rgba(0,0,0,.45)}
.ft-accent{background:var(--orange);color:#fff}
.hero-controls{position:absolute;right:var(--gutter);bottom:92px;display:flex;align-items:center;gap:16px;z-index:3}
.ctrl{width:44px;height:44px;border-radius:999px;border:1.5px solid rgba(244,247,250,.5);background:rgba(6,30,54,.35);backdrop-filter:blur(6px);display:grid;place-items:center;color:var(--mist)}
.ctrl:hover{border-color:var(--mist)}
.dots{display:flex;align-items:center;gap:8px}
.dot{width:8px;height:8px;border-radius:999px;background:rgba(244,247,250,.55);transition:width .3s ease,background .3s ease}
.dot.is-active{width:26px;background:var(--orange)}
.hero-strip{position:absolute;left:0;right:0;bottom:0;border-top:1px solid rgba(244,247,250,.18);background:rgba(6,30,54,.52);backdrop-filter:blur(8px);z-index:2}
.strip-row{display:flex;align-items:center;justify-content:space-between;gap:18px;padding:17px var(--gutter)}
.strip-row[hidden]{display:none}
.strip-label{display:flex;align-items:center;font-size:13px;letter-spacing:.05em;color:#CFE0EF;white-space:nowrap}
.strip-names{display:flex;align-items:baseline;gap:34px;color:rgba(244,247,250,.78);overflow:hidden}
.strip-names .pn-access{font-size:16px}.strip-names .pn-fidelity{font-size:15px}
.strip-names .pn-ecobank{font-size:12.5px}.strip-names .pn-calbank{font-size:15px}
.strip-names .pn-mtn{font-size:13px}.strip-names .pn-telecel{font-size:15px}.strip-names .pn-at{font-size:13.5px}

/* ---------- 03 · about ---------- */
.about{padding:clamp(70px,8vw,110px) var(--gutter) 40px;background:var(--mist)}
.about-head{font-size:clamp(28px,4vw,58px);line-height:1.14;letter-spacing:-.035em;max-width:1120px}
.chip{display:inline-block;width:clamp(64px,7.8vw,112px);height:clamp(38px,4.6vw,66px);object-fit:cover;border-radius:16px;vertical-align:-12px;margin:0 10px}
.about-stage{position:relative;margin-top:clamp(32px,4vw,56px);height:clamp(380px,39vw,560px);border-radius:24px;overflow:hidden;background:var(--anchor)}
.about-img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:center 58%}
.about-card{position:absolute;left:clamp(14px,2vw,28px);bottom:clamp(14px,2vw,28px);width:min(400px,calc(100% - 28px));background:#fff;border-radius:18px;padding:clamp(20px,2.4vw,32px);box-shadow:0 30px 60px -30px rgba(13,59,102,.45)}
.about-card-lead{font-size:16.5px;line-height:1.7;color:var(--ink)}
.about-card-note{margin-top:14px;font-size:14px;line-height:1.65;color:var(--slate)}
.about-card .link-more{margin-top:20px}

/* ---------- 04 · services panoramas ---------- */
.services{background:var(--mist);padding:70px 0 0}
.services .sec-head{margin-bottom:46px}
.pano{position:relative;display:block;height:clamp(440px,44vw,640px);overflow:hidden;background:var(--anchor)}
.pano-gap{margin-top:3px}
.pano-img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:center 30%;transition:transform 6s ease}
.pano:hover .pano-img{transform:scale(1.03)}
.pano-scrim{position:absolute;inset:0}
.pano-scrim-l{background:linear-gradient(90deg,rgba(6,30,54,.86) 0%,rgba(6,30,54,.6) 32%,rgba(6,30,54,.14) 60%,rgba(6,30,54,0) 80%)}
.pano-scrim-r{background:linear-gradient(270deg,rgba(6,30,54,.86) 0%,rgba(6,30,54,.6) 32%,rgba(6,30,54,.14) 60%,rgba(6,30,54,0) 80%)}
.pano-copy{position:absolute;top:50%;transform:translateY(-50%);display:block;max-width:480px;padding:0 var(--gutter)}
.pano-copy-l{left:0}
.pano-copy-r{right:0;text-align:left}
.pano-title{display:block;font-family:var(--jk);font-weight:800;font-size:clamp(34px,3.5vw,50px);letter-spacing:-.028em;line-height:1.06;color:var(--mist)}
.pano-sub{display:block;margin-top:16px;font-size:clamp(14.5px,1.1vw,16px);line-height:1.7;color:var(--mist-88)}
.pano-copy .link-more{margin-top:26px}

/* ---------- 05 · who we serve ---------- */
.serve{background:var(--midnight);padding:clamp(60px,6vw,84px) 0 0}
.serve .sec-head{margin-bottom:46px}
.serve-split{display:grid;grid-template-columns:3fr 2fr;gap:3px;height:clamp(460px,39vw,560px)}
.serve-half{position:relative;overflow:hidden;background:#0A2B4C;display:block}
.serve-img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:center 24%;transition:transform 6s ease}
.serve-half:hover .serve-img{transform:scale(1.03)}
.serve-scrim{position:absolute;inset:0;background:linear-gradient(180deg,rgba(6,30,54,.3) 0%,rgba(6,30,54,.12) 40%,rgba(6,30,54,.9) 100%)}
.serve-copy{position:absolute;left:0;right:0;bottom:0;display:block;padding:0 clamp(24px,3.4vw,64px) clamp(28px,3.4vw,50px)}
.serve-copy .nameplate{display:block;font-size:clamp(34px,3.8vw,54px)}
.serve-sub{display:block;margin-top:12px;font-size:15.5px;line-height:1.65;color:var(--mist-88);max-width:480px}
.serve-tags{display:block;margin-top:14px;font-size:13.5px;letter-spacing:.03em;color:var(--mist-60)}

/* ---------- 07 · why / monument ---------- */
.why{position:relative;background:var(--midnight);padding:clamp(70px,8vw,96px) var(--gutter);overflow:hidden}
.why-orbit{position:absolute;left:80%;top:30%;border:1px solid rgba(244,247,250,.06);border-radius:50%;transform:translate(-50%,-50%)}
.why-orbit-1{width:560px;height:560px}
.why-orbit-2{width:920px;height:920px;border-color:rgba(244,247,250,.04)}
.why-grid{position:relative;display:grid;grid-template-columns:minmax(300px,480px) minmax(0,1fr);gap:clamp(40px,6vw,96px);align-items:start}
.why-head{position:sticky;top:120px}
.values{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:48px 56px}
.value-word{display:block;font-family:var(--jk);font-weight:800;font-size:clamp(24px,2.1vw,30px);letter-spacing:-.022em;color:var(--mist)}
.value p{margin-top:10px;font-size:14.5px;line-height:1.65;color:#9DB6CC}

/* ---------- partners · bento board ---------- */
.partners{background:var(--mist);padding:clamp(60px,6vw,90px) var(--gutter)}
.bento{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));grid-template-areas:
  "state state access fidelity"
  "state state ecobank calbank"
  "promise mtn telecel at";
  gap:14px}
.bcard{border-radius:20px;padding:26px 28px;min-height:170px;display:flex;flex-direction:column;justify-content:flex-end;gap:8px;transition:transform .3s ease,box-shadow .3s ease}
.bcard:hover{transform:translateY(-4px)}
.b-state{grid-area:state;background:var(--midnight);justify-content:center;padding:clamp(28px,3vw,46px)}
.b-state .h2{font-size:clamp(28px,2.6vw,40px);max-width:420px}
.b-state-lead{margin-top:16px;font-size:15px;line-height:1.7;color:#9DB6CC;max-width:400px}
.b-state-note{margin-top:18px;padding-top:16px;border-top:1px solid rgba(244,247,250,.14);font-size:13px;line-height:1.6;color:#7FA3C4;max-width:400px}
.b-bank{background:#fff;box-shadow:0 2px 6px rgba(13,59,102,.06)}
.b-bank:hover{box-shadow:0 18px 38px -18px rgba(13,59,102,.3)}
.b-momo{background:#fff;box-shadow:0 2px 6px rgba(13,59,102,.06)}
.b-access{grid-area:access;background:#1A3A6B}
.b-fidelity{grid-area:fidelity;background:#F08020}
.b-ecobank{grid-area:ecobank;background:#005880}
.b-calbank{grid-area:calbank;background:#F0C400}
.b-mtn{grid-area:mtn;background:#FFCB05}
.b-telecel{grid-area:telecel;background:#E02020}
.b-at{grid-area:at;background:#1B3A70}
.b-access .b-logo,.b-fidelity .b-logo,.b-ecobank .b-logo,.b-telecel .b-logo,.b-at .b-logo{filter:brightness(0) invert(1)}
.b-calbank .b-logo{filter:brightness(0)}
.b-access .b-tag,.b-fidelity .b-tag,.b-ecobank .b-tag,.b-telecel .b-tag,.b-at .b-tag{color:rgba(255,255,255,.78)}
.b-mtn .b-tag,.b-calbank .b-tag{color:rgba(6,30,54,.6)}
.b-bank:hover,.b-momo:hover{box-shadow:0 18px 38px -18px rgba(6,30,54,.5)}
.b-promise{grid-area:promise;background:var(--orange)}
.b-promise-lead{font-family:var(--jk);font-weight:600;font-size:17px;line-height:1.35;letter-spacing:-.01em;color:#fff}
.b-promise-sub{font-size:13px;color:rgba(255,255,255,.85)}
.b-tag{font-size:10.5px;letter-spacing:.07em;color:#8A99A8;text-transform:lowercase}
.b-tag-sky{color:var(--sky)}
.b-logo{width:auto;max-width:82%;object-fit:contain;align-self:flex-start}
.lg-access{height:34px}
.lg-fidelity{height:40px}
.lg-ecobank{height:38px}
.lg-calbank{height:40px}
.lg-mtn{height:44px}
.lg-telecel{height:56px}
.lg-at{height:40px}

/* ---------- 09 · faqs ---------- */
.faqs{background:var(--mist);padding:clamp(70px,8vw,110px) var(--gutter);display:grid;grid-template-columns:430px minmax(0,1fr);gap:clamp(40px,7vw,100px);align-items:start}
.faqs-lead{margin-top:22px;font-size:15.5px;line-height:1.7;color:var(--slate);max-width:360px}
.faq-list{border-bottom:1px solid var(--hair-l)}
.faq{border-top:1px solid var(--hair-l)}
.faq-q{width:100%;padding:26px 4px;display:flex;align-items:center;justify-content:space-between;gap:24px;text-align:left;font-family:var(--jk);font-weight:600;font-size:clamp(17px,1.5vw,21px);letter-spacing:-.015em;color:var(--ink)}
.faq-mark{width:19px;height:19px;color:#8A99A8;transition:transform .3s ease}
.faq.is-open .faq-mark{transform:rotate(180deg);color:var(--orange)}
.faq-a{display:grid;grid-template-rows:0fr;transition:grid-template-rows .35s ease}
.faq.is-open .faq-a{grid-template-rows:1fr}
.faq-a-inner{overflow:hidden}
.faq-a-inner p{padding:0 4px 28px;font-size:15.5px;line-height:1.7;color:var(--slate);max-width:640px}

/* ---------- 10 · cta + footer ---------- */
.cta{position:relative;background:var(--midnight);min-height:520px;overflow:hidden;display:flex;align-items:center;padding:clamp(70px,7vw,90px) var(--gutter)}
.cta-duo{position:absolute;right:clamp(16px,4.8vw,70px);top:50%;transform:translateY(-50%);width:clamp(200px,30vw,430px);height:auto}
.cta-copy{position:relative;max-width:620px}
.cta-title{font-size:clamp(30px,3.6vw,52px);letter-spacing:-.032em}
.cta-sub{margin-top:22px;font-size:16px;line-height:1.7;color:#9DB6CC;max-width:560px}
.footer{background:var(--deep);display:flex;flex-direction:column;overflow:hidden}
.footer-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:48px;padding:64px var(--gutter) 0}
.footer-brand img{height:28px;width:auto}
.footer-brand p{margin-top:18px;font-size:14px;line-height:1.65;color:#9DB6CC;max-width:300px}
.footer-col{display:flex;flex-direction:column;gap:11px;font-size:14px;color:#C4D5E4}
.footer-col a:hover{color:#fff}
.footer-h{font-family:var(--jk);font-weight:600;font-size:13px;letter-spacing:.08em;color:#7FA3C4;margin-bottom:6px}
.footer-disc{display:flex;justify-content:space-between;align-items:center;gap:24px;flex-wrap:wrap;margin:38px var(--gutter) 0;border-top:1px solid var(--hair-d);padding:20px 0 48px}
.disc-line{display:flex;align-items:center;font-size:13px;color:#AFC6DB}
.footer-copy{font-size:13px;color:#7FA3C4}

/* ---------- inner pages · agency banking ---------- */
.page-hero{position:relative;height:74svh;min-height:540px;background:var(--anchor);overflow:hidden;display:flex;align-items:flex-end}
.page-hero-img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:center 30%}
.page-hero-scrim{position:absolute;inset:0;background:linear-gradient(90deg,rgba(6,30,54,.88) 0%,rgba(6,30,54,.68) 34%,rgba(6,30,54,.28) 62%,rgba(6,30,54,.1) 100%)}
.page-hero-scrim::after{content:"";position:absolute;left:0;right:0;top:0;height:130px;background:linear-gradient(180deg,rgba(6,30,54,.55),transparent)}
.page-hero-copy{position:relative;padding:0 var(--gutter) clamp(54px,6vw,84px);max-width:780px}
.page-hero-title{font-family:var(--jk);font-weight:800;font-size:clamp(44px,6.4vw,92px);letter-spacing:-.032em;line-height:1.02;color:var(--mist)}
.page-hero-sub{margin-top:20px;font-size:clamp(15px,1.15vw,17px);line-height:1.7;color:var(--mist-88);max-width:580px}
.page-hero .hero-ctas{margin-top:34px}

.ab-def{background:var(--mist);padding:clamp(80px,9vw,130px) var(--gutter);display:grid;grid-template-columns:minmax(0,1fr) minmax(0,560px);gap:clamp(40px,7vw,110px);align-items:start}
.ab-def-head{max-width:460px}
.ab-def-copy p{font-size:clamp(16px,1.25vw,18.5px);line-height:1.75;color:var(--slate)}
.ab-def-copy p + p{margin-top:22px}
.ab-def-note{margin-top:30px;padding-top:24px;border-top:1px solid var(--hair-l);font-size:14px;color:var(--slate)}

.ab-seg{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.1fr);min-height:680px}
.ab-seg-dark{background:var(--midnight)}
.ab-seg-light{background:var(--mist)}
.ab-seg-light .ab-seg-media{order:2}
.ab-seg-media{position:relative;min-height:420px}
.ab-seg-img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
.ab-seg-copy{padding:clamp(60px,6.5vw,100px) var(--gutter);align-self:center}
.ab-seg-lead{margin-top:18px;font-size:clamp(15px,1.15vw,17px);line-height:1.7;color:#9DB6CC;max-width:480px}
.ab-seg-lead-dark{color:var(--slate)}
.ab-items{margin-top:clamp(34px,3.5vw,52px)}
.ab-items li{border-top:1px solid var(--hair-l);padding:24px 0}
.ab-seg-dark .ab-items li{border-top-color:var(--hair-d)}
.ab-item-title{font-family:var(--jk);font-weight:600;font-size:clamp(20px,1.9vw,27px);letter-spacing:-.02em;color:var(--ink)}
.ab-item-light{color:var(--mist)}
.ab-item-text{margin-top:8px;font-size:15px;line-height:1.65;color:var(--slate);max-width:520px}
.ab-text-light{color:#9DB6CC}
.ab-aud{margin-top:26px;font-size:13.5px;letter-spacing:.02em;color:#7FA3C4}
.ab-aud-dark{color:var(--slate)}

.ab-expect{background:var(--mist);padding:clamp(80px,9vw,120px) var(--gutter)}
.ab-expect-head{max-width:460px}
.ab-expect-grid{margin-top:clamp(36px,4vw,56px);display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:clamp(28px,4vw,56px)}
.ab-fact{border-top:1px solid var(--hair-l);padding-top:22px}
.ab-fact-title{font-family:var(--jk);font-weight:600;font-size:clamp(18px,1.5vw,22px);letter-spacing:-.015em;color:var(--ink)}
.ab-fact p{margin-top:10px;font-size:14.5px;line-height:1.65;color:var(--slate)}

.ab-assure{background:var(--anchor);padding:clamp(80px,9vw,120px) var(--gutter)}
.ab-assure-copy{max-width:720px}
.ab-assure-sub{margin-top:20px;font-size:clamp(15px,1.15vw,17px);line-height:1.7;color:#9DB6CC;max-width:560px}
.ab-assure .link-more{margin-top:32px}

@media (max-width:900px){
  .ab-def{grid-template-columns:1fr;gap:28px}
  .ab-seg{grid-template-columns:1fr}
  .ab-seg-light .ab-seg-media{order:0}
  .ab-seg-copy{padding:48px var(--gutter) 60px}
  .ab-expect-grid{grid-template-columns:1fr;gap:24px}
  .page-hero{height:auto;min-height:520px}
}

/* ---------- insights ---------- */
.in-hero{height:78svh;min-height:580px}
.in-hero .hero-copy{bottom:96px}
.in-kick{font-family:var(--jk);font-weight:600;font-size:13.5px;letter-spacing:.06em;color:#9DB6CC;margin-bottom:16px}
.in-hero-title{font-weight:800;font-size:clamp(32px,4vw,58px);letter-spacing:-.032em}
.in-hero .hero-controls{bottom:72px}
.in-mast{background:var(--midnight);padding:clamp(150px,18vw,230px) var(--gutter) clamp(54px,6vw,84px)}
.in-mast-title{font-family:var(--jk);font-weight:800;font-size:clamp(46px,6.4vw,92px);letter-spacing:-.032em;line-height:1.02;color:var(--mist)}
.in-mast-sub{margin-top:18px;font-size:clamp(15px,1.15vw,17px);line-height:1.7;color:#9DB6CC;max-width:520px}
.in-feed{background:var(--mist);padding:clamp(60px,7vw,100px) var(--gutter)}
.in-feat{display:grid;grid-template-columns:minmax(0,1.25fr) minmax(0,1fr);gap:clamp(28px,4vw,56px);align-items:center}
.in-feat-media,.in-card-media{display:block;overflow:hidden;border-radius:20px}
.in-feat-media{height:clamp(280px,30vw,430px)}
.in-card-media{height:clamp(220px,24vw,300px)}
.in-card-img{width:100%;height:100%;object-fit:cover;transition:transform .9s ease}
.in-feat:hover .in-card-img,.in-card:hover .in-card-img{transform:scale(1.04)}
.in-feat-copy{display:block}
.in-date{display:block;font-size:13px;letter-spacing:.05em;color:var(--slate)}
.in-feat-title{display:block;margin-top:12px;font-family:var(--jk);font-weight:600;font-size:clamp(26px,2.7vw,40px);letter-spacing:-.025em;line-height:1.15;color:var(--ink)}
.in-feat-ex{display:block;margin-top:14px;font-size:15.5px;line-height:1.7;color:var(--slate);max-width:460px}
.in-feat .link-more{margin-top:24px}
.in-grid{margin-top:clamp(48px,6vw,76px);display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:clamp(28px,3.5vw,48px)}
.in-card{display:block}
.in-card-date{margin-top:18px}
.in-card-title{display:block;margin-top:10px;font-family:var(--jk);font-weight:600;font-size:clamp(20px,1.9vw,27px);letter-spacing:-.02em;line-height:1.2;color:var(--ink)}
.in-card-ex{display:block;margin-top:10px;font-size:15px;line-height:1.68;color:var(--slate);max-width:480px}

/* ---------- article ---------- */
.art-mast{background:var(--midnight);padding:clamp(140px,16vw,200px) var(--gutter) clamp(48px,6vw,72px)}
.art-mast-inner{max-width:840px}
.art-back{display:inline-block;font-family:var(--jk);font-weight:600;font-size:13.5px;letter-spacing:.04em;color:#7FA3C4;margin-bottom:26px}
.art-back:hover{color:var(--mist)}
.art-date{font-size:13.5px;letter-spacing:.05em;color:#7FA3C4}
.art-title{margin-top:14px;font-family:var(--jk);font-weight:800;font-size:clamp(34px,4.4vw,62px);letter-spacing:-.03em;line-height:1.06;color:var(--mist)}
.art-lead{margin-top:18px;font-size:clamp(16px,1.3vw,19px);line-height:1.65;color:#9DB6CC;max-width:680px}
.art-body{background:var(--mist);padding:clamp(56px,7vw,96px) var(--gutter)}
.art-prose{max-width:720px}
.art-prose h2{font-family:var(--jk);font-weight:600;font-size:clamp(21px,1.9vw,27px);letter-spacing:-.02em;color:var(--ink);margin:40px 0 14px}
.art-prose h2:first-child{margin-top:0}
.art-prose p{font-size:clamp(16px,1.2vw,17.5px);line-height:1.8;color:var(--slate);margin:0 0 18px}
.art-link{color:var(--anchor);font-weight:500;border-bottom:1.5px solid rgba(13,59,102,.3)}
.art-link:hover{border-bottom-color:var(--orange)}
.art-note{border-top:1px solid var(--hair-l);margin-top:36px;padding-top:22px;font-size:14px;color:var(--slate)}
.art-more{margin-top:28px}

@media (max-width:900px){
  .in-feat{grid-template-columns:1fr;gap:20px}
  .in-grid{grid-template-columns:1fr;gap:40px}
}

/* ---------- reveal pre-states (JS adds .js) ---------- */
.js [data-reveal]{opacity:0;transform:translateY(26px)}
.js [data-reveal].is-in{opacity:1;transform:none;transition:opacity .7s ease,transform .7s cubic-bezier(.16,1,.3,1)}

/* ---------- responsive ---------- */
@media (max-width:1100px){
  .sec-head{grid-template-columns:1fr;gap:16px}
  .why-grid{grid-template-columns:1fr;gap:40px}
  .why-head{position:static}
  .bento{grid-template-columns:repeat(2,minmax(0,1fr));grid-template-areas:
    "state state"
    "access fidelity"
    "ecobank calbank"
    "promise mtn"
    "telecel at"}
  .b-state{min-height:280px}
  .bcard{min-height:150px}
  .faqs{grid-template-columns:1fr;gap:40px}
}
@media (max-width:860px){
  .nav-links{display:none}
  .nav-cta{display:none}
  .nav-burger{display:flex}
  .hero-copy{top:72px;bottom:150px;width:100%;padding-right:var(--gutter)}
  .hero-controls{bottom:118px}
  .strip-row{flex-direction:column;align-items:flex-start;gap:10px;padding:13px var(--gutter)}
  .strip-names{flex-wrap:wrap;gap:14px 22px}
  .serve-split{grid-template-columns:1fr;height:auto}
  .serve-half{height:clamp(380px,62vw,480px)}
  .values{grid-template-columns:1fr;gap:30px}
  .footer-grid{grid-template-columns:1fr 1fr;gap:36px}
  .cta{min-height:0}
  .cta-duo{position:static;transform:none;order:2;margin:40px auto 0;display:block}
  .cta{flex-direction:column;align-items:flex-start}
  .pano-copy{max-width:min(480px,86%)}
}
@media (max-width:560px){
  .hero{min-height:600px}
  .bento{grid-template-columns:1fr;grid-template-areas:none}
  .bcard{grid-area:auto !important;min-height:130px}
  .hero-ctas .btn-ghost{padding:12px 22px;font-size:14px}
  .about-card{left:12px;right:12px;width:auto;bottom:12px}
  .footer-grid{grid-template-columns:1fr}
  .footer-disc{flex-direction:column;align-items:flex-start}
}

/* ---------- reduced motion ---------- */
@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  *,*::before,*::after{transition-duration:.01ms !important;animation-duration:.01ms !important}
  .js [data-reveal]{opacity:1;transform:none}
  .pano:hover .pano-img,.serve-half:hover .serve-img{transform:none}
}