:root{
 --gold:#F5B04C;
 --blue:#1789CA; --blue-d:#0F6EA6; --navy:#0C3E5E; --navy2:#0A3350; --navy3:#07253A;
 --grey:#636363; --ink:#22323e; --mist:#F2F7FB; --line:#E1E9EF; --lt:#BFE0F4;
}
*{box-sizing:border-box;margin:0;padding:0;}
html{scroll-behavior:smooth;}
body{font-family:'Neo Sans Std','Neo Sans','Myriad Pro','Segoe UI','Helvetica Neue',Arial,sans-serif;color:var(--ink);background:#fff;line-height:1.6;}
img{max-width:100%;}
a{color:var(--blue-d);text-decoration:none;}
p a{text-decoration:underline;text-underline-offset:2px;}
p a.btn{text-decoration:none;}
:focus-visible{outline:3px solid var(--gold);outline-offset:2px;}
.skip{position:fixed;left:-9999px;top:0;z-index:100;background:var(--navy);color:#fff !important;padding:12px 22px;border-radius:0 0 12px 0;font-weight:500;}
.skip:focus{left:0;}
.container{max-width:1180px;margin:0 auto;padding:0 24px;}
section{padding:88px 0;scroll-margin-top:140px;}
h2{font-weight:900;font-size:clamp(26px,3.4vw,38px);color:var(--navy);line-height:1.2;letter-spacing:-.2px;}
.kicker{display:inline-block;font-size:16px;font-weight:700;letter-spacing:3.5px;text-transform:uppercase;color:var(--blue);margin-bottom:14px;}
.lead{font-weight:300;font-size:17.5px;color:var(--grey);max-width:640px;margin-top:14px;}

/* announcement + nav */
.announce{position:fixed;inset:0 0 auto 0;z-index:60;background:#061D2E;color:#bfe0f4;text-align:center;font-size:12.5px;font-weight:400;letter-spacing:.3px;padding:calc(9px + env(safe-area-inset-top)) 16px 9px;}
.announce a{color:#fff;font-weight:500;}
.announce a::after{content:" →";color:#7fc0ec;}
@media(max-width:540px){.annx{display:none;}}
nav{position:fixed;top:env(safe-area-inset-top);left:0;right:0;z-index:55;pointer-events:none;}
.navin{pointer-events:auto;max-width:1180px;margin:10px auto 0;padding:0 14px 0 26px;height:64px;display:flex;align-items:center;justify-content:space-between;
 background:rgba(7,29,46,.88);backdrop-filter:blur(14px);border:1px solid rgba(255,255,255,.09);border-radius:999px;box-shadow:0 14px 44px rgba(3,18,30,.45);}
@media(max-width:1220px){.navin{margin:10px 16px 0;}}
.navlogo img{height:26px;display:block;}
.navlinks{display:flex;gap:4px;align-items:center;}
.nitem{position:relative;}
.nitem>a{display:flex;align-items:center;gap:7px;color:#d8ebf7;font-size:13.5px;font-weight:500;letter-spacing:.6px;padding:10px 16px;border-radius:999px;transition:.2s;}
.nitem>a:hover{color:#fff;background:rgba(255,255,255,.07);}
.nitem>a .chev{width:9px;height:9px;border-right:1.6px solid #7fc0ec;border-bottom:1.6px solid #7fc0ec;transform:rotate(45deg) translateY(-2px);transition:.2s;}
.nitem:hover>a .chev{transform:rotate(225deg) translateY(-1px);}
.dd{position:absolute;top:calc(100% + 12px);left:0;min-width:270px;background:#0A2740;border:1px solid rgba(255,255,255,.1);border-radius:16px;padding:10px;
 opacity:0;visibility:hidden;transform:translateY(8px);transition:.22s;box-shadow:0 22px 54px rgba(3,18,30,.5);}
.nitem:hover .dd{opacity:1;visibility:visible;transform:none;}
.nitem:focus-within .dd{opacity:1;visibility:visible;transform:none;}
body.ddoff .dd{opacity:0 !important;visibility:hidden !important;}
.dd::before{content:"";position:absolute;top:-12px;left:0;right:0;height:12px;}
.dd a{display:block;padding:11px 14px;border-radius:10px;color:#d8ebf7;font-size:13.5px;font-weight:400;transition:.15s;}
.dd a b{display:block;color:#fff;font-weight:500;font-size:13.5px;}
.dd a span{display:block;margin-top:2px;font-weight:300;font-size:12px;color:#8fb6d0;}
.dd a:hover{background:rgba(23,137,202,.16);}
.navright{display:flex;align-items:center;gap:8px;}
.nsearch{width:40px;height:40px;border-radius:50%;border:1px solid rgba(255,255,255,.14);background:transparent;cursor:pointer;display:flex;align-items:center;justify-content:center;transition:.2s;}
.nsearch:hover{background:rgba(255,255,255,.08);}
.nsearch svg{width:16px;height:16px;stroke:#d8ebf7;fill:none;stroke-width:2;}
.navcta{background:var(--blue);color:#fff !important;font-weight:500;font-size:13.5px;letter-spacing:.4px;padding:11px 22px;border-radius:999px;display:flex;align-items:center;gap:9px;transition:.2s;}
.navcta:hover{background:var(--blue-d);}
.navcta::after{content:"→";}
@media(max-width:960px){.navlinks{display:none;}}
a.burger,.burger{text-decoration:none;}
.burger{display:none;width:40px;height:40px;border-radius:50%;border:1px solid rgba(255,255,255,.14);background:transparent;cursor:pointer;align-items:center;justify-content:center;flex-direction:column;gap:4.5px;}
.burger span{display:block;width:16px;height:1.8px;background:#d8ebf7;border-radius:2px;transition:.25s;}
body.mopen .burger span:nth-child(1){transform:translateY(6.3px) rotate(45deg);}
body.mopen .burger span:nth-child(2){opacity:0;}
body.mopen .burger span:nth-child(3){transform:translateY(-6.3px) rotate(-45deg);}
@media(max-width:960px){.burger{display:flex;}}
@media(max-width:540px){.navcta{padding:9px 14px;font-size:12.5px;letter-spacing:.2px;}.navcta::after{content:none;}}
.mnav{position:fixed;z-index:54;left:10px;right:10px;top:calc(118px + env(safe-area-inset-top));bottom:14px;background:#0A2740;border:1px solid rgba(255,255,255,.12);border-radius:18px;
 box-shadow:0 24px 60px rgba(3,18,30,.55);overflow-y:auto;padding:14px;display:none;}
body.mopen .mnav{display:block;}
.mnav:target{display:block;}
.mnav details{border-bottom:1px solid rgba(255,255,255,.08);}
.mnav details:last-of-type{border-bottom:none;}
.mnav summary{list-style:none;cursor:pointer;display:flex;align-items:center;justify-content:space-between;padding:16px 10px;color:#fff;font-weight:500;font-size:15.5px;letter-spacing:.4px;}
.mnav summary::-webkit-details-marker{display:none;}
.mnav summary::after{content:"+";color:#7fc0ec;font-weight:300;font-size:20px;}
.mnav details[open] summary::after{content:"–";}
.mnav .mgroup a{display:block;padding:11px 10px 11px 22px;color:#c6dff0;font-size:14px;font-weight:300;}
.mnav .mgroup a b{font-weight:500;color:#e8f3fb;}
.mnav .mtop{display:block;padding:16px 10px;color:#fff;font-weight:500;font-size:15.5px;letter-spacing:.4px;border-bottom:1px solid rgba(255,255,255,.08);}
.mnav .mcta{display:block;text-align:center;background:var(--blue);color:#fff;border-radius:12px;padding:14px;margin:16px 4px 6px;font-weight:500;}
.mclose{display:flex;justify-content:flex-end;padding:6px 10px 10px;color:#8fb6d0;font-weight:500;font-size:14px;cursor:pointer;border-bottom:1px solid rgba(255,255,255,.08);}
/* small-screen tuning */
@media(max-width:640px){
.container{padding:0 28px;}
 section{padding:60px 0;}
 .announce{font-size:11px;padding:8px 12px;}
 nav{top:0;}
 .navin{height:58px;margin:8px 10px 0;padding:0 10px 0 20px;}
 .heroin{padding-top:118px;padding-bottom:70px;}
 .herotag{letter-spacing:2.5px;font-size:11.5px;}
 .stat{padding:26px 12px;}
 .phero{padding:98px 0 44px;}
 .pbody{padding:44px 18px;}
 .pcta .container{flex-direction:column;align-items:flex-start;}
 .natband{padding:26px 24px;}
 .chanbar{gap:10px 20px;padding:18px 20px;}
 .sov{padding:100px 12px 0;}
 .banklogos>div{padding:14px;}
}
/* back to top */
.btt{position:fixed;right:18px;bottom:calc(18px + env(safe-area-inset-bottom));z-index:50;width:44px;height:44px;border-radius:50%;
 background:rgba(12,62,94,.92);color:#fff;display:flex;align-items:center;justify-content:center;font-size:19px;
 box-shadow:0 8px 24px rgba(3,18,30,.35);opacity:0;visibility:hidden;transition:.25s;}
.btt:hover{background:var(--blue);}
.btt.show{opacity:1;visibility:visible;}
html:not(.js) .btt{opacity:1;visibility:visible;}
/* search overlay */
.sov{position:fixed;inset:0;z-index:80;background:rgba(4,19,31,.9);backdrop-filter:blur(8px);display:none;align-items:flex-start;justify-content:center;padding:120px 20px 0;}
.sov.open{display:flex;}
.sbox{width:100%;max-width:640px;}
.sbox input{width:100%;background:#0A2740;border:1px solid rgba(255,255,255,.18);border-radius:14px;color:#fff;font:400 18px 'Neo Sans Std',Arial;padding:18px 22px;outline:none;}
.sbox input::placeholder{color:#8fb6d0;}
.sres{margin-top:12px;background:#0A2740;border:1px solid rgba(255,255,255,.12);border-radius:14px;overflow:hidden;max-height:50vh;overflow-y:auto;}
.sres a{display:block;padding:14px 20px;color:#d8ebf7;font-size:14.5px;border-bottom:1px solid rgba(255,255,255,.06);}
.sres a:hover{background:rgba(23,137,202,.16);color:#fff;}
.sres a small{display:block;color:#8fb6d0;font-weight:300;font-size:12px;margin-top:2px;}
.sclose{position:absolute;top:34px;right:38px;background:none;border:none;color:#8fb6d0;font-size:30px;cursor:pointer;}
/* hero */
/* one continuous surface behind hero, ubuntu and the customer marquee */
.herowrap{position:relative;overflow:hidden;
 background:linear-gradient(135deg,#0E4A70 0%,var(--navy2) 55%,var(--navy3) 100%);}
.hero{position:relative;}
.hero::before{content:"";position:absolute;width:110vmin;height:110vmin;border-radius:50%;right:-38vmin;top:-38vmin;
 background:radial-gradient(circle closest-side at 50% 50%, rgba(23,137,202,.28), rgba(23,137,202,0) 78%);}
.hero::after{content:"";position:absolute;width:80vmin;height:80vmin;border-radius:50%;left:-30vmin;bottom:-30vmin;
 background:radial-gradient(circle closest-side at 50% 50%, rgba(127,192,236,.12), rgba(23,137,202,0) 78%);}
.heroin{position:relative;z-index:2;padding-top:78px;padding-bottom:90px;}
.hero img.mark{height:54px;margin-bottom:34px;}
.hero h1{font-weight:900;color:#fff;font-size:clamp(34px,5.4vw,64px);line-height:1.08;letter-spacing:-.5px;max-width:820px;}
.hero h1 em{font-style:normal;color:#7fc0ec;}
.hero p{margin-top:22px;font-weight:300;font-size:clamp(16px,1.7vw,20px);color:var(--lt);max-width:620px;}
.heroctas{margin-top:38px;display:flex;gap:14px;flex-wrap:wrap;}
.btn{display:inline-block;padding:14px 30px;border-radius:10px;font-weight:500;font-size:15px;letter-spacing:.3px;transition:.2s;}
.btn.pri{background:var(--blue);color:#fff;}
.btn.pri:hover{background:var(--blue-d);transform:translateY(-1px);}
.btn.ghost{border:1px solid rgba(255,255,255,.35);color:#fff;}
.btn.ghost:hover{border-color:#fff;}
.herotag{margin-top:56px;color:#9cc4de;font-weight:300;font-size:13px;letter-spacing:4px;text-transform:uppercase;max-width:100%;}
.herotag b{color:var(--gold);font-weight:500;}
.herocols{display:grid;grid-template-columns:1.15fr .85fr;gap:40px;align-items:start;}
.herocols>div:first-child{padding-top:93px;}
@media(max-width:900px){.herocols{grid-template-columns:1fr;}}
.heromap{position:relative;}
.afmap{width:100%;max-width:470px;display:block;margin:0 auto;filter:drop-shadow(0 12px 40px rgba(3,18,30,.4));}
@media(max-width:900px){.afmap{max-width:300px;margin-top:8px;}}
.corridor{stroke-dasharray:6 9;animation:flow 2.6s linear infinite;}
.c1{animation-delay:.3s}.c2{animation-delay:.6s}.c3{animation-delay:.9s}.c4{animation-delay:1.2s}
.c5{animation-delay:1.5s}.c6{animation-delay:1.8s}.c7{animation-delay:2.1s}.c8{animation-delay:2.4s}
@keyframes flow{to{stroke-dashoffset:-60;}}
.ring{transform-origin:center;transform-box:fill-box;animation:pulse 2.2s ease-out infinite;}
@keyframes pulse{0%{opacity:.9;transform:scale(.6);}100%{opacity:0;transform:scale(2.6);}}
.node{animation:blink 3.4s ease-in-out infinite;}
@keyframes blink{0%,100%{opacity:.55;}50%{opacity:1;}}
/* warm sunrise glow in hero */
.hero .sunrise{content:"";position:absolute;width:70vmin;height:70vmin;border-radius:50%;left:-22vmin;bottom:-34vmin;
 background:radial-gradient(circle closest-side at 50% 50%, rgba(245,176,76,.16), rgba(245,176,76,0) 78%);}
/* ubuntu band */
.ubuntu{color:#fff;position:relative;overflow:hidden;text-align:center;padding:66px 0 70px;
 background:linear-gradient(135deg,#0E4A70 0%,var(--navy2) 55%,var(--navy3) 100%);}
/* zigzag as its own layer so it can ease in below the hero and out above the logo band */
.ubuntu::before{content:"";position:absolute;inset:0;pointer-events:none;
 background-image:url('data:image/svg+xml;utf8,<svg xmlns="http://www.w3.org/2000/svg" width="56" height="56"><g fill="none" stroke="%231789CA" stroke-opacity=".14" stroke-width="1.4"><path d="M0 28 14 14l14 14L42 14l14 14M0 56 14 42l14 14L42 42l14 14"/></g></svg>');
 -webkit-mask-image:linear-gradient(180deg,transparent 0%,#000 18%,#000 66%,transparent 94%);
 mask-image:linear-gradient(180deg,transparent 0%,#000 18%,#000 66%,transparent 94%);}
.ubuntu .container{position:relative;z-index:2;}
.ubuntu h2{color:#fff;font-size:clamp(19px,2vw,26px);}
.ubuntu .zulu{margin-top:16px;color:var(--gold);font-weight:500;font-size:15px;letter-spacing:1.5px;}
.ubuntu p.u{margin:20px auto 0;max-width:660px;font-weight:300;font-size:16px;color:var(--lt);}
/* gold accents */
.stat b{color:#fff;}
.stats .stat:nth-child(odd) b{color:var(--gold);}
.kicker{color:var(--blue);}
.diff .quote i{color:var(--blue);}

/* stats band */
.stats{background:var(--navy3);padding:0;}
.statgrid{display:grid;grid-template-columns:repeat(5,1fr);}
.stat{padding:38px 18px;text-align:center;border-left:1px solid rgba(255,255,255,.07);}
.stat:first-child{border-left:none;}
.stat b{display:block;font-weight:900;font-size:clamp(22px,2.6vw,34px);color:#fff;}
.stat span{display:block;margin-top:6px;font-weight:300;font-size:12.5px;letter-spacing:1.6px;text-transform:uppercase;color:#8fb6d0;}
@media(max-width:820px){.statgrid{grid-template-columns:repeat(2,1fr);}.stat{border:none;}}

/* divisions */
.divgrid{display:grid;grid-template-columns:repeat(2,1fr);gap:26px;margin-top:48px;}
@media(max-width:820px){.divgrid{grid-template-columns:1fr;}}
.divcard{background:#fff;border:1px solid var(--line);border-radius:16px;padding:36px 34px;position:relative;overflow:hidden;transition:.25s;}
.divcard:hover{transform:translateY(-4px);box-shadow:0 18px 44px rgba(12,62,94,.12);border-color:transparent;}
.divcard::before{content:"";position:absolute;left:0;top:0;bottom:0;width:4px;background:linear-gradient(180deg,var(--blue),var(--navy));}
.divcard h3{font-weight:700;font-size:20px;color:var(--navy);margin-bottom:10px;}
.divcard p{font-weight:300;font-size:15px;color:var(--grey);}
.divcard .num{position:absolute;right:22px;top:16px;font-weight:900;font-size:44px;color:var(--mist);line-height:1;}

/* ecosystem */
.eco{background:linear-gradient(135deg,#0E4A70 0%,var(--navy2) 55%,var(--navy3) 100%);color:#fff;position:relative;overflow:hidden;}
.eco::before{content:"";position:absolute;width:90vmin;height:90vmin;border-radius:50%;left:-30vmin;top:-40vmin;
 background:radial-gradient(circle closest-side at 50% 50%, rgba(23,137,202,.2), rgba(23,137,202,0) 78%);}
.eco h2{color:#fff;}
.eco .lead{color:var(--lt);}
.ecogrid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:48px;position:relative;z-index:2;}
@media(max-width:900px){.ecogrid{grid-template-columns:1fr;}}
.ecocard{background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.12);border-radius:16px;padding:34px 30px;backdrop-filter:blur(4px);transition:.25s;}
.ecocard:hover{background:rgba(255,255,255,.09);transform:translateY(-4px);}
.ecocard .logo{height:40px;display:flex;align-items:center;margin-bottom:18px;}
.ecocard .logo img{height:34px;}
.ecocard .logo .word{font-weight:900;font-size:26px;color:#fff;}
.ecocard .logo .word i{font-style:normal;color:#7fc0ec;}
.ecocard h4{font-weight:500;font-size:13px;letter-spacing:2px;text-transform:uppercase;color:#7fc0ec;margin-bottom:10px;}
.ecocard p{font-weight:300;font-size:14.5px;color:var(--lt);}

/* footprint */
.fp{background:var(--mist);}
.fpgrid{display:grid;grid-template-columns:repeat(4,1fr);gap:22px;margin-top:46px;}
@media(max-width:900px){.fpgrid{grid-template-columns:repeat(2,1fr);}}
.fpcard{background:#fff;border-radius:14px;padding:30px 26px;border:1px solid var(--line);}
.fpcard b{display:block;font-weight:700;font-size:18px;color:var(--navy);}
.fpcard span{display:block;margin-top:6px;font-weight:300;font-size:13.5px;color:var(--grey);}
.fpnote{margin-top:26px;font-weight:300;font-size:14px;color:var(--grey);}

/* clients */
#footprint{padding-bottom:8px;}
.clients{padding-top:10px;padding-bottom:44px;}
#partners{padding-top:44px;}
.clients p.row{margin-top:34px;font-weight:400;font-size:15.5px;color:var(--grey);line-height:2.2;max-width:900px;overflow-wrap:anywhere;}
.clients p.row b{color:var(--navy);font-weight:500;}
.clients p.row i{font-style:normal;color:#c3cfd8;padding:0 10px;}

/* partners */
.partners{background:var(--mist);}
.prow{margin-top:44px;display:flex;align-items:center;justify-content:center;gap:0;flex-wrap:wrap;
 background:#fff;border:1px solid var(--line);border-radius:16px;padding:38px 40px;}
.prow img{height:34px;}
/* ACI partner-logo rule: ACI first and tallest, separated from each partner mark by a
   hairline divider centred in a space of 2x the ACI "A" (21px at this logo size),
   the divider being the same height as the ACI logo */
.pdiv{width:1px;height:34px;background:rgba(12,62,94,.22);margin:0 21px;flex:0 0 auto;}
@media(max-width:700px){.pdiv{display:none;} .prow{gap:34px;}}
.prow img.ing{height:30px;}
.prow img.can{height:26px;}

/* contact */
.contact{background:linear-gradient(135deg,#0E4A70 0%,var(--navy2) 55%,var(--navy3) 100%);color:#fff;text-align:center;position:relative;overflow:hidden;}
.contact::before{content:"";position:absolute;width:100vmin;height:100vmin;border-radius:50%;right:-40vmin;bottom:-50vmin;
 background:radial-gradient(circle closest-side at 50% 50%, rgba(23,137,202,.25), rgba(23,137,202,0) 78%);}
.contact h2{color:#fff;max-width:760px;margin:0 auto;}
.contact p{margin:18px auto 0;max-width:560px;font-weight:300;color:var(--lt);}
.contact .btn{margin-top:34px;}

/* footer */
footer{background:var(--navy3);color:#8fb6d0;padding:56px 0 34px;}
.fgrid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr 1fr;gap:32px;align-items:start;}
@media(max-width:820px){.fgrid{grid-template-columns:1fr;}}
footer img{height:30px;margin-bottom:16px;}
footer .tag{font-weight:300;font-size:13.5px;max-width:320px;}
footer h5{color:#fff;font-weight:500;font-size:13px;letter-spacing:2px;text-transform:uppercase;margin-bottom:14px;}
footer li{list-style:none;font-weight:300;font-size:14px;margin-bottom:8px;}
footer a{color:#8fb6d0;} footer a:hover{color:#fff;}
.fbase{margin-top:44px;padding-top:22px;border-top:1px solid rgba(255,255,255,.1);display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px;font-weight:300;font-size:12.5px;}

/* icon cards (digital & payments) */
.icards{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;margin-top:48px;}
@media(max-width:1000px){.icards{grid-template-columns:repeat(2,1fr);}}
@media(max-width:640px){.icards{grid-template-columns:1fr;}}
.icard{background:#fff;border:1px solid var(--line);border-radius:16px;padding:30px 26px;transition:.25s;display:flex;flex-direction:column;}
.icard:hover{transform:translateY(-4px);box-shadow:0 16px 40px rgba(12,62,94,.10);}
.ic{width:54px;height:54px;border-radius:50%;background:var(--blue);display:flex;align-items:center;justify-content:center;margin-bottom:20px;}
.ic svg{width:24px;height:24px;stroke:#fff;fill:none;stroke-width:1.7;stroke-linecap:round;stroke-linejoin:round;}
.icard h3{font-weight:700;font-size:16.5px;color:var(--navy);margin-bottom:8px;}
.icard p{font-weight:300;font-size:13.8px;color:var(--grey);}
.proofchips{margin-top:34px;display:flex;gap:12px;flex-wrap:wrap;}
.proofchips span{flex:1 1 0;text-align:center;background:#fff;border:1px solid #CBE2F1;color:var(--blue);border-radius:999px;padding:12px 16px;font-size:13.5px;font-weight:500;white-space:nowrap;}
@media(max-width:900px){.proofchips span{flex:1 1 40%;}}
#payments .icards{grid-template-columns:repeat(3,1fr);}
@media(max-width:1100px){#payments .icards{grid-template-columns:repeat(2,1fr);}}
@media(max-width:640px){#payments .icards{grid-template-columns:1fr;}}
.orchband{margin-top:22px;display:flex;align-items:center;justify-content:space-between;gap:24px;flex-wrap:wrap;background:var(--navy);border-radius:16px;padding:26px 30px;color:inherit;transition:.25s;}
.orchband:hover{transform:translateY(-3px);box-shadow:0 16px 40px rgba(12,62,94,.25);}
.orchband h4{color:#fff;font-weight:700;font-size:17px;margin-bottom:6px;}
.orchband p{color:#cfe6f6;font-weight:300;font-size:13.8px;max-width:760px;}
.svcband{margin-top:40px;display:grid;grid-template-columns:1fr 1fr 1fr;gap:20px;}
@media(max-width:900px){.svcband{grid-template-columns:1fr;}}
.svcband>div{background:var(--navy);border-radius:16px;padding:30px 30px;}
.svcband h4{color:#fff;font-weight:700;font-size:16.5px;margin-bottom:8px;}
.svcband p{color:#cfe6f6;font-weight:300;font-size:13.8px;}

/* payon band */
.payonband{margin-top:40px;background:var(--navy);border-radius:18px;padding:36px 40px;display:grid;grid-template-columns:1fr 1fr 1fr auto;gap:26px;align-items:center;text-align:center;}
@media(max-width:1000px){.payonband{grid-template-columns:1fr;}}
.payonband b{display:block;font-weight:900;font-size:34px;color:var(--gold);}
.payonband span{display:block;margin-top:6px;font-weight:300;font-size:13.5px;color:#cfe6f6;}
.payonband .btn{justify-self:center;}
/* Core Banking front-page section */
.cbs{background:#fff;border-top:1px solid var(--line);}
.cbsgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:40px;}
.cbs .payonband b{font-size:23px;line-height:1.2;}
.cbglyph{height:52px;width:auto;}
.cbmark{margin-left:7px;font-weight:500;font-size:clamp(13px,1.72vw,24px);line-height:1;color:#116799;letter-spacing:-.3px;white-space:nowrap;}
@media(max-width:900px){.cbsgrid{grid-template-columns:1fr;}}

/* stack diagram */
.stack{background:#fff;}
.stackframe{margin-top:48px;border:2px solid #BFDBED;border-radius:24px;padding:26px 26px 20px;background:linear-gradient(180deg,#FDFEFF,#F4F9FC);box-shadow:0 14px 44px rgba(12,62,94,.08);}
.layers{display:flex;flex-direction:column;gap:10px;}
.layer{border-radius:14px;padding:22px 30px;display:flex;align-items:baseline;gap:18px;flex-wrap:wrap;}
.layer b{font-weight:700;font-size:16.5px;white-space:nowrap;}
.layer span{font-weight:500;font-size:14.5px;}
.l1 span{color:#33566e;}
.l2 span{color:#1e4a68;}
.l3 span{color:rgba(255,255,255,.96);}
.l4 span{color:#dbeaf6;}
.l3c span{color:#dbeaf6 !important;}
.l1{background:var(--mist);color:var(--navy);border:1px solid var(--line);}
.l2{background:#DCEEF9;color:var(--navy);}
.l3{background:linear-gradient(90deg,var(--blue),var(--blue-d));color:#fff;}
.l3row{display:grid;grid-template-columns:1.25fr .95fr;gap:10px;}
@media(max-width:900px){.l3row{grid-template-columns:1fr;}}
.l3c{background:linear-gradient(90deg,#0F4C74,var(--navy));color:#fff;border:1.5px solid rgba(245,176,76,.55);}
.l3c b{color:#fff;}
.l3c span{color:#cfe6f6;}
.l4{background:var(--navy);color:#cfe6f6;}
.lwrap{border:1.5px dashed #B9D7EA;border-radius:18px;padding:18px 14px 14px;position:relative;margin-top:38px;}
.lwrap .wraplabel{position:absolute;top:-11px;left:26px;background:#fff;padding:0 12px;font-size:12px;letter-spacing:2px;text-transform:uppercase;color:var(--blue);font-weight:500;}
.arrow{text-align:center;color:var(--blue);font-size:30px;line-height:.55;margin:3px 0;text-shadow:0 2px 6px rgba(23,137,202,.35);}
/* stack v2: "One platform. Every channel. Every payment." */
.stackh{text-transform:uppercase;letter-spacing:.4px;}
.stackh em{font-style:normal;color:var(--blue);}
.sf2{padding:26px 26px 22px;}
.sfrow{display:grid;grid-template-columns:150px 1fr;gap:0 18px;align-items:center;}
.sflabel{font-size:12.5px;letter-spacing:1.6px;text-transform:uppercase;color:var(--blue);font-weight:700;line-height:1.35;}
.sfband{border:1px solid var(--line);border-radius:14px;background:#fff;box-shadow:0 6px 18px rgba(12,62,94,.06);}
.sfchan{display:grid;grid-template-columns:repeat(7,1fr);padding:14px 6px;}
.sfch{display:flex;flex-direction:column;align-items:center;gap:8px;padding:6px 4px;color:var(--navy);font-weight:600;font-size:14px;border-left:1px solid var(--line);text-decoration:none;}
.sfch:first-child{border-left:0;}
.sfch svg,.sfico svg,.sfrail svg,.sfop svg,.sflabel-ops svg{fill:none;stroke:var(--navy);stroke-width:1.6;stroke-linecap:round;stroke-linejoin:round;}
.sfch svg{width:34px;height:34px;}
.sfch:hover{color:var(--blue);} .sfch:hover svg{stroke:var(--blue);}
.sffan{display:block;width:100%;height:34px;} .sffan3{height:22px;}
.sffan path{fill:none;stroke:#7CC8F0;stroke-width:1.6;vector-effect:non-scaling-stroke;} .sffan circle{fill:var(--blue);stroke:none;}
.sfgw{display:flex;align-items:center;gap:22px;padding:18px 26px;background:linear-gradient(90deg,#EAF4FB,#F4F9FD);border-color:#CFE3F1;text-decoration:none;color:var(--navy);}
.sfgwlogo{height:40px;width:auto;display:block;}
.sfdiv{width:1px;height:44px;background:#BFD7E8;flex:none;}
.sfgwtxt b{display:block;font-size:15px;letter-spacing:1.4px;text-transform:uppercase;font-weight:700;color:var(--navy);}
.sfgwtxt span{font-size:14px;color:#33566e;font-weight:500;}
.sfcores{display:grid;grid-template-columns:1.14fr .86fr;gap:16px;}
.sfcore{display:flex;align-items:center;gap:16px;padding:18px 20px;text-decoration:none;color:var(--navy);transition:.2s;}
.sfcore:hover,.sfgw:hover{border-color:var(--blue);box-shadow:0 10px 26px rgba(12,62,94,.12);}
.sfaci{background:#fff;border:1px solid var(--line);border-radius:10px;padding:9px 12px;display:flex;align-items:center;flex:none;}
.sfaci img{height:22px;width:auto;display:block;}
.sfico{width:60px;height:60px;display:flex;align-items:center;justify-content:center;flex:none;} .sfico svg{width:44px;height:44px;}
.sfcoretxt b{display:block;font-size:16px;letter-spacing:1.2px;text-transform:uppercase;font-weight:700;color:var(--navy);}
.sfcoretxt span{font-size:13.2px;color:#33566e;font-weight:500;line-height:1.5;}
.sfgo{margin-left:auto;font-size:13px;font-weight:600;color:var(--blue);white-space:nowrap;padding-left:12px;}
.sfrails,.sfops{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:10px 4px;padding:16px 12px;}
.sfrail,.sfop{display:inline-flex;align-items:center;gap:9px;font-weight:600;font-size:14px;color:var(--navy);padding:0 10px;border-left:1px solid var(--line);white-space:nowrap;}
.sfrail:first-child,.sfop:first-child{border-left:0;}
.sfrail svg,.sfop svg{width:28px;height:28px;flex:none;}
.sfrail img{display:block;width:auto;} .sfvisa img{height:24px;} .sfmc img{height:44px;}
.sfico-img img{width:56px;height:56px;display:block;border-radius:50%;}
.sfrow-ops{margin-top:16px;}
.sflabel-ops{display:flex;align-items:center;gap:10px;color:#B8862B;} .sflabel-ops svg{width:34px;height:34px;stroke:#B8862B;flex:none;}
.sfops{border:1.5px solid #D9B26A;background:#FFFDF8;} .sfop{border-left-color:#EAD9B8;font-size:13px;gap:8px;padding:0 8px;} .sfop svg{stroke:#B8862B;width:26px;height:26px;}
@media(max-width:900px){.sfrow{grid-template-columns:1fr;gap:8px 0;} .sflabel:empty{display:none;} .sfconn{display:none;} .sfrow+.sfrow{margin-top:10px;} .sfchan{grid-template-columns:repeat(4,1fr);gap:8px 0;} .sfch{border-left:0;} .sfcores{grid-template-columns:1fr;} .sfrail,.sfop{border-left:0;}}
@media(max-width:540px){.sfchan{grid-template-columns:repeat(3,1fr);} .sfgw{flex-wrap:wrap;gap:12px;} .sfdiv{display:none;} .sfgo{margin-left:0;} .sfcore{flex-wrap:wrap;}}


/* markets */
.mkgrid{display:grid;grid-template-columns:repeat(5,1fr);gap:18px;margin-top:48px;}
@media(max-width:1000px){.mkgrid{grid-template-columns:repeat(2,1fr);}}
.mk{background:#fff;border:1px solid var(--line);border-radius:14px;padding:26px 22px;transition:.25s;}
.mk:hover{transform:translateY(-4px);box-shadow:0 14px 34px rgba(12,62,94,.10);}
.mk b{display:block;font-weight:700;font-size:15.5px;color:var(--navy);min-height:44px;}
.mk span{display:block;margin-top:8px;font-weight:300;font-size:13.5px;color:var(--grey);}
.mkline{margin-top:30px;text-align:center;font-weight:400;font-size:15px;color:var(--navy);}
.mkline b{color:var(--blue);font-weight:700;}

/* platforms */
.plats{margin-top:44px;display:flex;flex-wrap:wrap;gap:12px;}
.plat{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.16);border-radius:999px;padding:11px 22px;font-weight:500;font-size:14.5px;color:#fff;letter-spacing:.3px;}
.plat i{font-style:normal;color:#7fc0ec;font-weight:300;font-size:12.5px;margin-left:8px;}

/* proof / case studies */
.proof{background:#fff;}
.pgrid{display:grid;grid-template-columns:1fr 1fr;gap:26px;margin-top:48px;}
@media(max-width:900px){.pgrid{grid-template-columns:1fr;}}
.pcase{border:1px solid var(--line);border-radius:18px;overflow:hidden;transition:.25s;background:#fff;
 display:flex;flex-direction:column;}
.pcase:hover{transform:translateY(-4px);box-shadow:0 18px 44px rgba(12,62,94,.12);}
.pcase .ptop{background:linear-gradient(135deg,#0E4A70,var(--navy3));color:#fff;padding:30px 32px;}
.pcase .ptop h4{font-size:12px;font-weight:500;letter-spacing:2.5px;text-transform:uppercase;color:#7fc0ec;}
.pcase .ptop b{display:block;margin-top:8px;font-weight:900;font-size:24px;}
.pcase .pbig{display:flex;align-items:baseline;gap:14px;margin-top:16px;}
.pcase .pbig strong{font-weight:900;font-size:46px;color:#fff;line-height:1;}
.pcase .pbig em{font-style:normal;font-weight:300;font-size:14px;color:var(--lt);max-width:200px;line-height:1.4;}
.pcase .pbody{padding:26px 32px 30px;display:flex;flex-direction:column;flex:1;}
/* both case-study links sit on the card's bottom edge, whatever the copy length above */
.pcase .pbody .pmore{margin-top:auto;padding-top:16px;}
.pcase .pbody .pmore a{font-weight:500;font-size:14px;}
.pcase .pbody p{font-weight:300;font-size:14.5px;color:var(--grey);}
.pcase .pbody .tags{margin-top:16px;display:flex;flex-wrap:wrap;gap:8px;}
.pcase .pbody .tags span{background:var(--mist);color:var(--navy);border-radius:999px;padding:6px 14px;font-size:12.5px;font-weight:500;}

/* credentials */
.creds{margin-top:56px;display:grid;grid-template-columns:repeat(4,1fr);gap:18px;}
@media(max-width:900px){.creds{grid-template-columns:repeat(2,1fr);}}
.cred{background:#fff;border:1px solid var(--line);border-radius:14px;padding:24px 22px;text-align:center;}
.cred b{display:block;font-weight:700;font-size:15px;color:var(--navy);}
.cred span{display:block;margin-top:6px;font-weight:300;font-size:12.5px;color:var(--grey);}

/* flagship omari */
.flag{background:linear-gradient(135deg,#0E4A70 0%,var(--navy2) 55%,var(--navy3) 100%);color:#fff;position:relative;overflow:hidden;}
.flag::before{content:"";position:absolute;width:100vmin;height:100vmin;border-radius:50%;right:-40vmin;top:-45vmin;
 background:radial-gradient(circle closest-side at 50% 50%, rgba(23,137,202,.22), rgba(23,137,202,0) 78%);}
.flag h2{color:#fff;}
.flag .lead{color:var(--lt);}
.flag .inner{position:relative;z-index:2;}
.journey{margin-top:52px;display:grid;grid-template-columns:repeat(5,1fr);gap:0;position:relative;}
@media(max-width:900px){.journey{grid-template-columns:1fr;gap:18px;}}
.jstep{position:relative;padding:0 18px 0 0;}
.jstep .jdot{width:34px;height:34px;border-radius:50%;background:var(--blue);display:flex;align-items:center;justify-content:center;font-weight:900;font-size:14px;margin-bottom:14px;}
.jstep::after{content:"";position:absolute;top:16px;left:52px;right:6px;height:1.5px;background:linear-gradient(90deg,rgba(127,192,236,.55),rgba(127,192,236,.12));}
.jstep:last-child::after{display:none;}
@media(max-width:900px){.jstep::after{display:none;}}
.jstep b{display:block;font-weight:700;font-size:15.5px;color:#fff;}
.jstep span{display:block;margin-top:6px;font-weight:300;font-size:13px;color:var(--lt);}
.capgrid{margin-top:56px;display:grid;grid-template-columns:repeat(3,1fr);gap:20px;}
@media(max-width:1000px){.capgrid{grid-template-columns:1fr;}}
.cap{background:rgba(255,255,255,.055);border:1px solid rgba(255,255,255,.13);border-radius:16px;padding:28px 26px;backdrop-filter:blur(4px);transition:.25s;}
.cap:hover{background:rgba(255,255,255,.095);transform:translateY(-4px);}
.cap h4{font-weight:700;font-size:16.5px;color:#fff;margin-bottom:4px;}
.cap h5{font-weight:500;font-size:11px;letter-spacing:2px;text-transform:uppercase;color:#7fc0ec;margin-bottom:12px;}
.cap p{font-weight:300;font-size:13.8px;color:var(--lt);}
.chanbar{margin-top:52px;background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.14);border-radius:14px;
 padding:20px 28px;display:flex;align-items:center;justify-content:center;gap:14px 34px;flex-wrap:wrap;}
.chanbar b{font-weight:500;font-size:14px;color:#fff;letter-spacing:.4px;}
.chanbar i{font-style:normal;color:rgba(255,255,255,.3);}
.chanbar em{font-style:normal;width:100%;text-align:center;font-weight:300;font-size:12.5px;color:#9cc4de;letter-spacing:.5px;margin-top:2px;}
.flagstats{margin-top:44px;display:grid;grid-template-columns:repeat(4,1fr);gap:16px;text-align:center;}
@media(max-width:820px){.flagstats{grid-template-columns:repeat(2,1fr);}}
.fstat b{display:block;font-weight:900;font-size:32px;color:#fff;}
.fstat span{display:block;margin-top:5px;font-weight:300;font-size:12px;letter-spacing:1.6px;text-transform:uppercase;color:#8fb6d0;}

/* national case study */
.nat{background:var(--mist);}
.natgrid{margin-top:52px;display:grid;grid-template-columns:repeat(2,1fr);gap:22px;}
@media(max-width:900px){.natgrid{grid-template-columns:1fr;}}
.natcard{background:#fff;border:1px solid var(--line);border-radius:16px;padding:32px 30px;transition:.25s;}
.natcard:hover{transform:translateY(-4px);box-shadow:0 16px 40px rgba(12,62,94,.10);}
.natcard h5{font-weight:500;font-size:11px;letter-spacing:2px;text-transform:uppercase;color:var(--blue);margin-bottom:10px;}
.natcard h4{font-weight:700;font-size:18px;color:var(--navy);margin-bottom:10px;}
.natcard p{font-weight:300;font-size:14.5px;color:var(--grey);}
.natcard .chip{display:inline-block;margin-top:14px;background:var(--mist);color:var(--navy);border-radius:999px;padding:6px 11px;font-size:11.8px;font-weight:500;margin-right:5px;white-space:nowrap;}
.timeline{margin-top:56px;display:grid;grid-template-columns:repeat(6,1fr);gap:0;position:relative;}
@media(max-width:900px){.timeline{grid-template-columns:repeat(2,1fr);gap:22px;}}
.tl{position:relative;padding:0 14px 0 0;}
.tl::before{content:"";display:block;width:12px;height:12px;border-radius:50%;background:var(--blue);margin-bottom:12px;}
.tl::after{content:"";position:absolute;top:5px;left:24px;right:2px;height:1.5px;background:#CBE2F1;}
.tl:last-child::after{display:none;}
@media(max-width:900px){.tl::after{display:none;}}
.tl b{display:block;font-weight:900;font-size:15px;color:var(--navy);}
.tl span{display:block;margin-top:5px;font-weight:300;font-size:12.5px;color:var(--grey);line-height:1.5;}
.natband{margin-top:56px;background:var(--navy);border-radius:18px;padding:34px 38px;display:flex;align-items:center;gap:30px;flex-wrap:wrap;justify-content:space-between;}
.natband p{color:#cfe6f6;font-weight:300;font-size:15.5px;max-width:640px;}
.natband p b{color:#fff;font-weight:700;}
.natband .seal{display:flex;gap:14px;flex-wrap:wrap;}
.natband .seal span{background:rgba(255,255,255,.09);border:1px solid rgba(255,255,255,.18);color:#fff;border-radius:999px;padding:9px 18px;font-size:13px;font-weight:500;}

/* product pages */
.ppage{display:none;}
.ppage.active{display:block;}
.ppage:target{display:block;}
body:has(.ppage:target) #home{display:none;}
html:not(.js) .nsearch{display:none;}
body.pmode #home{display:none;}
.phero{background:linear-gradient(135deg,#0E4A70 0%,var(--navy2) 55%,var(--navy3) 100%);color:#fff;padding:114px 0 56px;}
.phero h1{font-weight:900;font-size:clamp(30px,4.4vw,50px);line-height:1.1;margin-top:6px;}
.plead{margin-top:14px;font-weight:300;font-size:17px;color:var(--lt);max-width:640px;}
.pback{display:block;margin-bottom:22px;color:#8fb6d0;font-size:13.5px;font-weight:400;}
.pback:hover{color:#fff;}
.pbody{padding:64px 24px;}
.pcols{display:grid;grid-template-columns:1fr 1fr;gap:36px;align-items:start;}
@media(max-width:900px){.pcols{grid-template-columns:1fr;}}
.pcols p{font-weight:300;font-size:15.5px;color:#3d4f5c;margin-bottom:16px;}
.psub{font-weight:700;font-size:17px;color:var(--navy);margin:6px 0 8px;}
.pimg{width:100%;border:1px solid var(--line);border-radius:14px;box-shadow:0 12px 34px rgba(12,62,94,.10);margin:6px 0 18px;}
.pfeat{display:grid;grid-template-columns:1fr;gap:12px;}
.pfeat>div{background:var(--mist);border:1px solid var(--line);border-radius:12px;padding:16px 18px;}
.pfeat b{display:block;font-weight:700;font-size:14.5px;color:var(--navy);}
.pfeat span{display:block;margin-top:3px;font-weight:300;font-size:13px;color:var(--grey);}
/* richer product-page sections */
.psec{margin-top:46px;font-size:19px;font-weight:700;color:var(--navy);}
.psub{margin-top:6px;font-weight:300;font-size:14.5px;color:var(--grey);max-width:760px;}
.pmods{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-top:18px;}
.pmods>div{background:var(--mist);border:1px solid var(--line);border-radius:12px;padding:18px 20px;}
.pmods b{display:block;font-weight:700;font-size:14.5px;color:var(--navy);}
.pmods span{display:block;margin-top:4px;font-weight:300;font-size:13px;color:var(--grey);line-height:1.55;}
.ptags{display:flex;flex-wrap:wrap;gap:8px;margin-top:16px;}
.ptag{background:#fff;border:1px solid var(--line);border-radius:999px;padding:7px 15px;font-size:13px;font-weight:500;color:var(--navy);}
@media(max-width:700px){.pmods{grid-template-columns:1fr;}}
.pnote{font-weight:300;font-size:13.5px;color:var(--grey);}
.pcta{background:var(--mist);border-top:1px solid var(--line);padding:44px 24px;margin-top:20px;}
.pcta .container{display:flex;align-items:center;justify-content:space-between;gap:20px;flex-wrap:wrap;}
.pcta h3{font-weight:900;font-size:22px;color:var(--navy);}
/* clickable cards */
a.icard{display:block;color:inherit;}
a.icard .lm{display:inline-block;margin-top:auto;padding-top:12px;color:var(--blue);font-weight:500;font-size:13px;white-space:nowrap;}
a.ecocard{display:block;color:inherit;}
a.ecocard .lm{display:inline-block;margin-top:14px;color:#7fc0ec;font-weight:500;font-size:13px;}
/* bank logo panels */
.logogrid{margin-top:44px;display:grid;grid-template-columns:repeat(6,1fr);gap:14px;}
@media(max-width:1000px){.logogrid{grid-template-columns:repeat(4,1fr);}}
@media(max-width:640px){.logogrid{grid-template-columns:repeat(3,1fr);gap:10px;}}
@media(max-width:420px){.logogrid{grid-template-columns:repeat(2,1fr);}}
.lg{background:#fff;border:1px solid var(--line);border-radius:12px;padding:10px;display:flex;align-items:center;justify-content:center;transition:.2s;}
.lg:hover{transform:translateY(-3px);box-shadow:0 10px 26px rgba(12,62,94,.10);}
.lg img{width:100%;height:auto;border-radius:6px;}
.lg.more{background:var(--navy);border-color:var(--navy);}
.lg.more span{color:#fff;font-weight:500;font-size:15px;letter-spacing:.4px;text-align:center;line-height:1.5;}

/* ── 16/08/2026 (Adam's list): stats in hero, grouped tiles, trusted-by marquee, PayGo ── */
.hero .herostats{background:transparent;border-top:1px solid rgba(255,255,255,.14);margin-top:22px;padding:0;}
.hero .herostats .statgrid{padding:0;} .hero .statgrid .stat{padding:24px 10px;}
.heroin{padding-bottom:0;}
.caps{background:#fff;padding:40px 0 60px;}
.capgroup{margin-top:52px;padding-top:16px;border-top:1px solid var(--line);}
/* three-pillar summary of the stack, sits directly under the section heading */
.pillars{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:40px;}
.pillar{background:var(--navy);border-radius:16px;padding:30px 28px 26px;display:flex;flex-direction:column;}
.pillar .pic{width:52px;height:52px;border-radius:50%;background:var(--blue);display:flex;align-items:center;justify-content:center;margin-bottom:20px;}
.pillar h3{color:#fff;font-weight:700;font-size:14.5px;letter-spacing:1.6px;text-transform:uppercase;margin-bottom:10px;}
.pillar>p{color:#cfe6f6;font-weight:300;font-size:14px;margin-bottom:18px;}
.pillar ul{list-style:none;margin:0 0 22px;padding:0;}
.pillar li{position:relative;padding-left:26px;color:#eaf4fb;font-weight:300;font-size:14px;line-height:1.5;margin-bottom:9px;}
.pillar li::before{content:"";position:absolute;left:3px;top:5px;width:10px;height:5px;border-left:2px solid var(--gold);border-bottom:2px solid var(--gold);transform:rotate(-45deg);}
.pillar .plink{display:block;margin-top:auto;color:#7fc0ec;font-weight:700;font-size:14.5px;border-top:1px solid rgba(255,255,255,.14);padding-top:16px;}
.pillar .plink:hover{color:#fff;}
@media(max-width:900px){.pillars{grid-template-columns:1fr;}}
.caphead{display:grid;grid-template-columns:auto 1fr auto;gap:6px 18px;align-items:baseline;margin-bottom:24px;}
.caphead .num{color:var(--blue);font-size:12px;letter-spacing:2px;font-weight:700;}
.caphead h3{margin:0;font-size:26px;color:var(--navy);}
.caphead p{grid-column:2;margin:0;font-size:15.5px;color:#4A6272;max-width:760px;font-weight:300;}
.caphead p a{color:var(--blue);font-weight:500;}
.capbody{grid-column:1/4;display:flex;align-items:center;gap:22px;margin-top:14px;}
.caphead .secmark{height:74px;width:auto;flex:0 0 auto;}
.captext{flex:1;min-width:0;}
.captext p{max-width:none;margin:0;}
.capmore{margin-top:9px;}
@media(max-width:700px){.capbody{flex-direction:column;align-items:flex-start;gap:14px;}}
.icards3{grid-template-columns:repeat(3,1fr);}
.caps .svcband{margin-top:26px;}
.trust{background:#fff;padding:40px 0 0;position:relative;}
.trust .container,.trust .marquee{position:relative;z-index:2;}
.trust .kicker{color:var(--blue);}
.trust h2{font-size:24px;margin-bottom:0;color:var(--navy);}
.marquee{overflow:hidden;margin-top:26px;-webkit-mask-image:linear-gradient(90deg,transparent,#000 6%,#000 94%,transparent);mask-image:linear-gradient(90deg,transparent,#000 6%,#000 94%,transparent);}
.mtrack{display:flex;gap:18px;width:max-content;animation:dsimq 70s linear infinite;}
.mtrack img{height:64px;width:auto;border:1px solid var(--line);border-radius:10px;background:#fff;display:block;}

/* three ribbons at different speeds; the third runs the other way */
.marquee.m1 .mtrack{animation-duration:70s;}
.marquee.m2 .mtrack{animation-duration:95s;}
.marquee.m3 .mtrack{animation-duration:82s;animation-direction:reverse;}
@keyframes dsimq{to{transform:translateX(-50%);}}
@media (prefers-reduced-motion: reduce){.mtrack{animation:none;flex-wrap:wrap;width:auto;justify-content:center;} .mtrack img:nth-child(n+33){display:none;} .m2 .mtrack img:nth-child(n+31){display:none;} .m3 .mtrack img:nth-child(n+24){display:none;}}
.paygo{background:#fff;padding:90px 0;border-top:1px solid var(--line);}
.pgcols{display:grid;grid-template-columns:1.2fr .8fr;gap:56px;align-items:center;}
.pgpoints{list-style:none;padding:0;margin:26px 0 30px;}
.pgpoints li{position:relative;padding:8px 0 8px 18px;font-size:15px;color:#4A6272;line-height:1.55;border-top:1px solid var(--line);}
.pgpoints li:first-child{border-top:0;}
.pgpoints li::before{content:"";position:absolute;left:0;top:17px;width:6px;height:6px;background:var(--blue);border-radius:50%;}
.pgpoints b{color:var(--navy);}
.pgart{display:flex;align-items:center;justify-content:center;padding:40px;border:1px solid var(--line);border-radius:16px;background:var(--mist);}
.pgart img{max-width:320px;width:100%;height:auto;}
@media(max-width:900px){.pgcols{grid-template-columns:1fr;} .caphead{grid-template-columns:auto 1fr;} .caphead .secmark{grid-column:1/3;grid-row:auto;} .icards3{grid-template-columns:1fr;} .hero .statgrid .stat{padding:14px 6px;}}
/* merchants (iPOS/TaaS): denser logo grid */
.merch{margin-top:46px;}
.mhead{font-size:21px;font-weight:700;color:var(--navy);margin:0 0 6px;letter-spacing:.2px;}
.merchgrid{grid-template-columns:repeat(8,1fr);gap:10px;margin-top:18px;}
.merchgrid .lg{padding:6px;border-radius:10px;}
@media(max-width:1100px){.merchgrid{grid-template-columns:repeat(6,1fr);}}
@media(max-width:760px){.merchgrid{grid-template-columns:repeat(4,1fr);gap:8px;}}
@media(max-width:480px){.merchgrid{grid-template-columns:repeat(3,1fr);}}


/* brochures */
.btiles{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;}
@media(max-width:1000px){.btiles{grid-template-columns:repeat(2,1fr);}}
@media(max-width:520px){.btiles{grid-template-columns:1fr;}}
.btile{display:block;background:#fff;border:1px solid var(--line);border-radius:16px;overflow:hidden;color:inherit;transition:.25s;}
.btile:hover{transform:translateY(-4px);box-shadow:0 18px 44px rgba(12,62,94,.14);}
.bcover{height:150px;background:linear-gradient(135deg,#0E4A70,var(--navy3));background-size:cover !important;background-position:center !important;display:flex;flex-direction:column;align-items:flex-start;justify-content:flex-end;padding:16px 18px;border-bottom:3px solid var(--gold);position:relative;overflow:hidden;}
.bcover::before{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(7,29,46,.10) 30%,rgba(7,29,46,.93) 100%);}
.bcover span{position:relative;color:var(--gold);font-weight:900;font-size:12px;letter-spacing:3px;text-shadow:0 1px 8px rgba(0,0,0,.8);}
.bcover b{position:relative;color:#fff;font-weight:900;font-size:22px;line-height:1.15;text-shadow:0 2px 12px rgba(0,0,0,.8);}
.btile b{display:block;padding:16px 18px 2px;font-weight:700;font-size:16px;color:var(--navy);}
.btile span{display:block;padding:0 18px;font-weight:300;font-size:12.8px;color:var(--grey);min-height:38px;}
.btile em{display:block;padding:10px 18px 16px;font-style:normal;color:var(--blue);font-weight:500;font-size:13px;}
.bnative .bsec{margin:54px 0 8px;}
.bnative .bsec:first-child{margin-top:0;}
.bnative .bsec h2{font-size:clamp(22px,2.6vw,30px);}
.blead{font-weight:300;font-size:16px;color:var(--grey);max-width:720px;margin-top:10px;}
.bgrid{display:grid;gap:18px;margin-top:26px;}
.bgrid.c2{grid-template-columns:1fr 1fr;}
.bgrid.c3{grid-template-columns:repeat(3,1fr);}
@media(max-width:820px){.bgrid.c2,.bgrid.c3{grid-template-columns:1fr;}}
.bgrid>div{background:var(--mist);border:1px solid var(--line);border-radius:14px;padding:22px 22px;}
.bgrid b{display:block;font-weight:700;font-size:15.5px;color:var(--navy);margin-bottom:6px;}
.bgrid p{font-weight:300;font-size:13.8px;color:var(--grey);}
.bsteps{margin-top:26px;display:grid;gap:14px;}
.bsteps>div{display:grid;grid-template-columns:52px 200px 1fr;gap:14px;align-items:baseline;background:#fff;border:1px solid var(--line);border-radius:12px;padding:18px 20px;}
@media(max-width:820px){.bsteps>div{grid-template-columns:44px 1fr;}.bsteps span{grid-column:2;}}
.bsteps i{font-style:normal;font-weight:900;font-size:22px;color:var(--gold);}
.bsteps b{font-weight:700;font-size:15px;color:var(--navy);}
.bsteps span{font-weight:300;font-size:13.5px;color:var(--grey);}
.bstats{margin-top:34px;background:var(--navy);border-radius:16px;padding:26px 30px;display:grid;grid-template-columns:repeat(3,1fr);gap:18px;text-align:center;}
@media(max-width:700px){.bstats{grid-template-columns:1fr;}}
.bstats b{display:block;font-weight:900;font-size:26px;color:var(--gold);}
.bstats span{display:block;margin-top:4px;font-weight:300;font-size:12.5px;color:#cfe6f6;}
.tiers{margin-top:26px;display:grid;grid-template-columns:repeat(3,1fr);gap:18px;}
@media(max-width:900px){.tiers{grid-template-columns:1fr;}}
.tier{background:#fff;border:1px solid var(--line);border-radius:16px;padding:24px;}
.tier.hot{border-color:var(--blue);box-shadow:0 12px 34px rgba(23,137,202,.14);}
.tier h4{font-weight:900;font-size:17px;color:var(--navy);}
.tier h4 i{font-style:normal;color:var(--gold);font-weight:500;font-size:12px;letter-spacing:1px;margin-left:8px;}
.tier p{margin-top:8px;font-weight:300;font-size:13px;color:var(--grey);}
.tier ul{margin:14px 0 0 16px;}
.tier li{font-weight:300;font-size:13px;color:#3d4f5c;margin-bottom:8px;}
.tier li b{color:var(--navy);font-weight:700;}
.bcoverhero{border-bottom:3px solid var(--gold);}
/* difference section */
.diff{background:#fff;}
.diff .quote{margin-top:34px;font-weight:900;font-size:clamp(22px,2.8vw,32px);color:var(--navy);line-height:1.3;max-width:820px;}
.diff .quote i{font-style:normal;color:var(--blue);}
.diffgrid{margin-top:40px;display:grid;grid-template-columns:repeat(3,1fr);gap:20px;}
@media(max-width:900px){.diffgrid{grid-template-columns:1fr;}}
.diffcard{background:var(--mist);border:1px solid var(--line);border-radius:14px;padding:26px 24px;}
.diffcard b{display:block;font-weight:700;font-size:15.5px;color:var(--navy);margin-bottom:6px;}
.diffcard p{font-weight:300;font-size:13.8px;color:var(--grey);}

/* aci partnership */
.acis{background:linear-gradient(150deg,#081F33 0%,#0A2740 55%,#07253A 100%);color:#fff;position:relative;overflow:hidden;}
.acis::before{content:"";position:absolute;width:90vmin;height:90vmin;border-radius:50%;right:-35vmin;top:-40vmin;
 background:radial-gradient(circle closest-side at 50% 50%, rgba(23,137,202,.22), rgba(23,137,202,0) 78%);}
.acis h2{color:#fff;}
.acigrid{margin-top:46px;display:grid;grid-template-columns:repeat(3,1fr);gap:18px;position:relative;z-index:2;}
@media(max-width:900px){.acigrid{grid-template-columns:1fr;}}
.acard{background:rgba(8,26,42,.55);border:1.5px solid;border-radius:14px;padding:26px 24px;transition:.25s;}
.acard:hover{transform:translateY(-3px);background:rgba(23,137,202,.10);}
.acard.b{border-color:rgba(23,137,202,.65);}
.acard.g{border-color:rgba(245,176,76,.6);}
.acard.t{border-color:rgba(127,192,236,.45);}
.acard b{display:block;font-weight:700;font-size:16px;color:#fff;margin-bottom:8px;}
.acard p{font-weight:300;font-size:13.8px;color:var(--lt);}
.acihero{margin-top:26px;position:relative;z-index:2;border-radius:16px;padding:30px 34px;display:flex;align-items:center;justify-content:space-between;gap:20px;flex-wrap:wrap;
 background:linear-gradient(120deg,rgba(23,137,202,.30),rgba(245,176,76,.22));border:1.5px solid rgba(245,176,76,.55);}
.acihero span{font-weight:300;font-size:clamp(18px,2.4vw,26px);color:#fff;}
.acihero span b{font-weight:900;}
.acichip{background:#fff;border-radius:6px;padding:4px 10px;display:inline-flex;align-items:center;margin-right:4px;}
.acichip img{height:14px;display:block;}

/* paygo brand */
.pghero{background:linear-gradient(135deg,#a91c8e 0%,#7c1468 55%,#5c1050 100%) !important;border-bottom:3px solid #f28d24 !important;}
.pghero .container{position:relative;}
.pghero h1,.pghero .plead{max-width:55%;}
.pglockup{position:absolute;right:24px;top:52%;transform:translateY(-50%);display:flex;align-items:center;gap:40px;margin:0;}
.pgwm{height:128px;width:auto;}
.pgaf{height:170px;width:auto;opacity:.95;}
@media(max-width:980px){
 .pglockup{position:static;transform:none;margin:8px 0 16px;gap:24px;}
 .pgwm{height:60px;}.pgaf{height:80px;}
 .pghero h1,.pghero .plead{max-width:100%;}
}
.pgtile-logo{height:54px;display:flex;align-items:center;margin-bottom:20px;}
.pgtile-logo img{height:46px;width:auto;}
.pgstrip{width:100%;border-radius:14px;margin:44px 0 10px;display:block;}
.pgswatches{margin-top:24px;display:grid;grid-template-columns:repeat(3,1fr);gap:14px;}
@media(max-width:700px){.pgswatches{grid-template-columns:1fr;}}
.pgswatches>div{border-radius:14px;padding:22px 20px;color:#fff;}
.pgswatches b{display:block;font-weight:700;font-size:15px;}
.pgswatches span{display:block;margin-top:4px;font-weight:300;font-size:12px;opacity:.9;}
#pg-b-paygo .bstats{background:linear-gradient(120deg,#a91c8e,#7c1468);}
#pg-b-paygo .bstats b{color:#fff;}
#pg-b-paygo .bsteps i{color:#a91c8e;}
#pg-b-paygo .bsec .kicker{color:#a91c8e;}
#pg-b-paygo .pcta .btn{background:#a91c8e;}

/* v-suite logos */
.secmarkw{display:block;text-align:center;margin:0 auto 20px;}
.secmark{height:78px;width:auto;display:block;margin:0 auto;}
.secline{margin-top:8px;color:var(--blue);font-weight:500;font-size:14px;letter-spacing:1.5px;text-align:center;}
.vschipw{margin:2px 0 18px;}
.vschip{display:inline-block;background:#fff;border-radius:12px;padding:10px 18px;}
.vschip img.acilock{height:30px;width:auto;display:block;}
/* ACI clearance rule: minimum clear space on all sides = height of the "A"
   (0.5188 x logo height = 15.6px at 30px). 10px vertical padding was short. */
.vschip-aci{padding:18px 20px;}
.vschip img{height:52px;display:block;}
.vstile{height:64px;display:flex;align-items:center;margin-bottom:20px;}
.vstile img{height:52px;width:auto;}
.vsfamily{margin-top:22px;background:#fff;border:1px solid var(--line);border-radius:16px;padding:24px 28px;display:flex;align-items:center;gap:28px;flex-wrap:wrap;}
.vsmaster{height:72px;flex:0 0 auto;}
.vsrow{display:flex;align-items:center;gap:22px;flex-wrap:wrap;flex:1;}
.vsrow img{height:32px;width:auto;}
@media(max-width:640px){.vsrow img{height:24px;}.vsmaster{height:52px;}}
#digital .icards{grid-template-columns:repeat(5,minmax(0,1fr));
 /* the five marks need more width than the text container gives: merchant alone needs 161px
    and the Core Banking wordmark 195px at family size, against 158px available. Break the row
    out of the container, keeping all five tiles equal. */
 position:relative;width:min(1320px,calc(100vw - 80px));left:50%;transform:translateX(-50%);}
/* V-Suite family tree: mark centred over the row, branching to each tile */
#digital .icards{margin-top:0;}
.vtree{margin-top:30px;display:flex;flex-direction:column;align-items:center;}
.vtreemark{height:76px;width:auto;}
.vstem{width:2px;height:24px;background:#cfdae3;}
.vbranch{position:relative;width:100%;display:grid;grid-template-columns:repeat(5,1fr);gap:20px;height:24px;}
.vbranch::before{content:"";position:absolute;top:0;left:calc((100% - 80px)/10);right:calc((100% - 80px)/10);height:2px;background:#cfdae3;}
.vbranch i::before{content:"";position:absolute;left:50%;margin-left:-1px;top:0;width:2px;height:100%;background:#cfdae3;}
.vbranch i{position:relative;}
@media(max-width:1100px){.vstem,.vbranch{display:none;} #digital .icards{margin-top:28px;}}
@media(max-width:1100px){#digital .icards{grid-template-columns:repeat(2,1fr);}}
@media(max-width:640px){#digital .icards{grid-template-columns:1fr;}}

/* reveal */
html.js .rv{opacity:0;transform:translateY(22px);transition:opacity .7s ease,transform .7s ease;}
html.js .rv.on{opacity:1;transform:none;}
@media (prefers-reduced-motion:reduce){
 html{scroll-behavior:auto;}
 html.js .rv{opacity:1;transform:none;transition:none;}
 .corridor,.ring,.node{animation:none;}
}

/* Very small phones (iPhone SE and similar, 320px). Several grids need about 300px of room,
   so the roomier 28px side padding does not fit there: give those screens 18px instead.
   Measured: at 320px the page overflowed by 5px even before the padding was raised. */
@media(max-width:359px){.container{padding:0 18px;}}

.corridor:nth-of-type(1){animation-delay:0.0s}.corridor:nth-of-type(2){animation-delay:0.18s}.corridor:nth-of-type(3){animation-delay:0.36s}.corridor:nth-of-type(4){animation-delay:0.54s}.corridor:nth-of-type(5){animation-delay:0.72s}.corridor:nth-of-type(6){animation-delay:0.9s}.corridor:nth-of-type(7){animation-delay:1.08s}.corridor:nth-of-type(8){animation-delay:1.26s}.corridor:nth-of-type(9){animation-delay:1.44s}.corridor:nth-of-type(10){animation-delay:1.62s}.corridor:nth-of-type(11){animation-delay:1.8s}.corridor:nth-of-type(12){animation-delay:1.98s}.corridor:nth-of-type(13){animation-delay:2.16s}.corridor:nth-of-type(14){animation-delay:2.34s}.corridor:nth-of-type(15){animation-delay:2.52s}.corridor:nth-of-type(16){animation-delay:2.7s}.corridor:nth-of-type(17){animation-delay:2.88s}.corridor:nth-of-type(18){animation-delay:3.06s}.corridor:nth-of-type(19){animation-delay:3.24s}.corridor:nth-of-type(20){animation-delay:3.42s}.corridor:nth-of-type(21){animation-delay:3.6s}.corridor:nth-of-type(22){animation-delay:3.78s}.corridor:nth-of-type(23){animation-delay:3.96s}.corridor:nth-of-type(24){animation-delay:4.14s}.corridor:nth-of-type(25){animation-delay:4.32s}.corridor:nth-of-type(26){animation-delay:4.5s}.corridor:nth-of-type(27){animation-delay:4.68s}.corridor:nth-of-type(28){animation-delay:4.86s}.corridor:nth-of-type(29){animation-delay:5.04s}.corridor:nth-of-type(30){animation-delay:5.22s}.corridor:nth-of-type(31){animation-delay:5.4s}.corridor:nth-of-type(32){animation-delay:5.58s}.corridor:nth-of-type(33){animation-delay:5.76s}