/* myinstantpayday.com — SaaS/Fintech Minimal Theme: white, teal, electric blue */

:root {
  --bg:       #ffffff;
  --bg2:      #f8fafc;
  --bg3:      #f1f5f9;
  --surface:  #ffffff;
  --border:   #e2e8f0;
  --teal:     #0d9488;
  --teal2:    #0f766e;
  --blue:     #2563eb;
  --blue2:    #1d4ed8;
  --text:     #0f172a;
  --muted:    #64748b;
  --light:    #94a3b8;
  --shadow:   0 4px 24px rgba(0,0,0,.08);
  --shadow2:  0 12px 40px rgba(0,0,0,.12);
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }

body {
  font-family: system-ui, -apple-system, "Segoe UI", Roboto, Arial, sans-serif;
  background: var(--bg);
  color: var(--text);
  line-height: 1.6;
  font-size: 16px;
}

.container { max-width: 1120px; margin: 0 auto; padding: 0 20px; }
.sr-only { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; }

/* ── NAV ── */
nav {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(255,255,255,.95);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--border);
}
.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 64px;
  gap: 12px;
}
.nav-logo {
  font-size: 1.15rem;
  font-weight: 900;
  color: var(--teal);
  text-decoration: none;
  letter-spacing: -.3px;
  white-space: nowrap;
}
.nav-logo span { color: var(--blue); }
.nav-steps {
  display: flex;
  align-items: center;
  gap: 6px;
  font-size: .78rem;
  font-weight: 700;
  color: var(--light);
}
.nav-steps .step-dot {
  width: 22px; height: 22px;
  border-radius: 50%;
  background: var(--bg3);
  border: 2px solid var(--border);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: .7rem;
  font-weight: 900;
  color: var(--muted);
}
.nav-steps .sep { color: var(--border); }
.nav-steps span.label { color: var(--muted); }
.nav-links { list-style: none; display: flex; align-items: center; gap: 20px; }
.nav-links a { color: var(--muted); text-decoration: none; font-size: .88rem; font-weight: 600; transition: color .15s; }
.nav-links a:hover { color: var(--text); }
.nav-cta {
  background: var(--teal) !important;
  color: #fff !important;
  padding: 9px 18px;
  border-radius: 8px;
  font-weight: 800 !important;
  font-size: .85rem !important;
  transition: background .15s !important;
}
.nav-cta:hover { background: var(--teal2) !important; }

/* ── HERO ── */
.hero {
  text-align: center;
  padding: 72px 20px 56px;
  background: var(--bg);
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: rgba(13,148,136,.08);
  border: 1px solid rgba(13,148,136,.25);
  border-radius: 999px;
  padding: 5px 14px;
  font-size: .78rem;
  font-weight: 800;
  color: var(--teal);
  letter-spacing: .3px;
  text-transform: uppercase;
  margin-bottom: 24px;
}

h1 {
  font-size: clamp(2.2rem, 5vw, 3.6rem);
  font-weight: 900;
  line-height: 1.05;
  letter-spacing: -.5px;
  color: var(--text);
  margin-bottom: 20px;
}
h1 .accent { color: var(--teal); }

.hero-sub {
  font-size: 1.15rem;
  color: var(--muted);
  max-width: 560px;
  margin: 0 auto 36px;
  line-height: 1.6;
}

.hero-cta {
  display: inline-block;
  background: linear-gradient(135deg, var(--teal), var(--teal2));
  color: #fff;
  padding: 15px 36px;
  border-radius: 12px;
  font-size: 1rem;
  font-weight: 900;
  text-decoration: none;
  transition: opacity .15s, transform .08s;
  box-shadow: 0 6px 20px rgba(13,148,136,.35);
}
.hero-cta:hover { opacity: .9; }
.hero-cta:active { transform: translateY(1px); }
.hero-note { margin-top: 14px; font-size: .8rem; color: var(--light); }

/* ── STEPS SECTION ── */
.steps-section {
  background: var(--bg2);
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
  padding: 64px 20px;
}
.section-title {
  text-align: center;
  font-size: clamp(1.6rem, 3vw, 2.2rem);
  font-weight: 900;
  margin-bottom: 10px;
  color: var(--text);
}
.section-sub {
  text-align: center;
  color: var(--muted);
  margin-bottom: 48px;
  font-size: .97rem;
  max-width: 500px;
  margin-left: auto;
  margin-right: auto;
}

.steps-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 0;
  max-width: 860px;
  margin: 0 auto;
  position: relative;
}
.steps-grid::before {
  content: "";
  position: absolute;
  top: 32px;
  left: calc(16.67% + 16px);
  right: calc(16.67% + 16px);
  height: 2px;
  background: linear-gradient(90deg, var(--teal), var(--blue));
  z-index: 0;
}
.process-step {
  text-align: center;
  padding: 0 20px;
  position: relative;
  z-index: 1;
}
.process-num {
  width: 64px; height: 64px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--teal), var(--blue));
  color: #fff;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  font-weight: 900;
  margin: 0 auto 20px;
  box-shadow: 0 4px 16px rgba(13,148,136,.3);
}
.process-step h3 {
  font-size: 1.05rem;
  font-weight: 800;
  color: var(--text);
  margin-bottom: 8px;
}
.process-step p { font-size: .87rem; color: var(--muted); line-height: 1.5; }
.process-time {
  display: inline-block;
  margin-top: 10px;
  font-size: .75rem;
  font-weight: 800;
  color: var(--teal);
  background: rgba(13,148,136,.08);
  padding: 3px 10px;
  border-radius: 999px;
}

/* ── FORM SECTION ── */
.form-section {
  padding: 72px 20px;
  background: var(--bg);
}
.form-section-inner { max-width: 540px; margin: 0 auto; }

.form-eyebrow {
  text-align: center;
  font-size: .78rem;
  font-weight: 800;
  color: var(--teal);
  text-transform: uppercase;
  letter-spacing: .5px;
  margin-bottom: 8px;
}
.form-section-heading {
  text-align: center;
  font-size: clamp(1.4rem, 3vw, 1.9rem);
  font-weight: 900;
  margin-bottom: 6px;
  color: var(--text);
}
.form-section-sub {
  text-align: center;
  color: var(--muted);
  margin-bottom: 32px;
  font-size: .92rem;
}

.form-card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: 20px;
  padding: 36px 32px;
  box-shadow: var(--shadow2);
}

/* Form fields */
.form-group { display: flex; flex-direction: column; gap: 5px; margin-bottom: 14px; }
.form-group label {
  font-size: .82rem;
  font-weight: 700;
  color: var(--text);
  letter-spacing: .1px;
}
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }

input, select {
  width: 100%;
  padding: 11px 12px;
  border-radius: 10px;
  border: 1.5px solid var(--border);
  background: var(--bg);
  color: var(--text);
  font-size: .9rem;
  outline: none;
  transition: border-color .15s, box-shadow .15s;
  -webkit-appearance: auto;
  appearance: auto;
}
input::placeholder { color: var(--light); }
input:focus, select:focus {
  border-color: var(--teal);
  box-shadow: 0 0 0 3px rgba(13,148,136,.12);
}
select option { background: #fff; color: var(--text); }

.form-group.error input,
.form-group.error select { border-color: #ef4444; }
.err-msg { font-size: .76rem; color: #ef4444; display: none; }
.form-group.error .err-msg { display: block; }

#grp-website { display: none; }

.submit-btn {
  width: 100%;
  padding: 14px;
  background: linear-gradient(135deg, var(--teal), var(--teal2));
  color: #fff;
  border: none;
  border-radius: 10px;
  font-size: 1rem;
  font-weight: 900;
  cursor: pointer;
  transition: opacity .15s, transform .08s;
  margin-top: 4px;
  box-shadow: 0 4px 16px rgba(13,148,136,.25);
}
.submit-btn:hover { opacity: .9; }
.submit-btn:active { transform: translateY(1px); }
.submit-btn:disabled { opacity: .55; cursor: not-allowed; }

.form-disclaimer {
  font-size: .72rem;
  color: var(--light);
  text-align: center;
  margin-top: 10px;
  line-height: 1.4;
}
.form-disclaimer a { color: var(--teal); }

#form-error { display: none; color: #ef4444; font-size: .82rem; margin-top: 8px; text-align: center; }

#confirm-box { display: none; text-align: center; padding: 24px 0; }
.confirm-icon { font-size: 3rem; margin-bottom: 12px; }
.confirm-title { font-size: 1.3rem; font-weight: 900; color: var(--teal); margin-bottom: 8px; }
.confirm-body { font-size: .9rem; color: var(--muted); line-height: 1.5; }

/* ── WHY US TILES ── */
.why-section {
  background: var(--bg2);
  border-top: 1px solid var(--border);
  padding: 64px 20px;
}
.why-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
  max-width: 900px;
  margin: 0 auto;
}
.why-tile {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: 14px;
  padding: 24px 18px;
  text-align: center;
}
.why-icon { font-size: 2rem; margin-bottom: 10px; }
.why-tile h3 { font-size: .88rem; font-weight: 800; color: var(--text); margin-bottom: 6px; }
.why-tile p { font-size: .8rem; color: var(--muted); line-height: 1.5; }

/* ── FAQ ── */
.section { padding: 64px 20px; }
.faq-list { max-width: 700px; margin: 0 auto; display: flex; flex-direction: column; gap: 10px; }
.faq-item {
  background: var(--surface);
  border: 1.5px solid var(--border);
  border-radius: 12px;
  overflow: hidden;
}
.faq-q {
  width: 100%;
  text-align: left;
  background: none;
  border: none;
  color: var(--text);
  padding: 16px 18px;
  font-size: .93rem;
  font-weight: 700;
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 12px;
}
.faq-q .arrow { color: var(--teal); transition: transform .2s; flex-shrink: 0; }
.faq-item.open .faq-q .arrow { transform: rotate(180deg); }
.faq-a {
  display: none;
  padding: 0 18px 16px;
  font-size: .87rem;
  color: var(--muted);
  line-height: 1.6;
  border-top: 1px solid var(--border);
  padding-top: 14px;
}
.faq-item.open .faq-a { display: block; }

/* ── STATES ── */
.states-section {
  padding: 36px 20px;
  border-top: 1px solid var(--border);
  background: var(--bg2);
}
.states-label { text-align: center; font-size: .78rem; font-weight: 700; color: var(--light); text-transform: uppercase; letter-spacing: .5px; margin-bottom: 14px; }
.states-links { display: flex; justify-content: center; flex-wrap: wrap; gap: 8px; }
.states-links a {
  background: var(--surface);
  border: 1px solid var(--border);
  color: var(--teal);
  text-decoration: none;
  padding: 6px 14px;
  border-radius: 999px;
  font-size: .8rem;
  font-weight: 700;
  transition: background .15s, border-color .15s;
}
.states-links a:hover { background: rgba(13,148,136,.06); border-color: var(--teal); }

/* ── FOOTER ── */
footer {
  background: var(--text);
  padding: 40px 20px 28px;
  color: #94a3b8;
  font-size: .8rem;
}
.footer-inner { max-width: 960px; margin: 0 auto; }
.footer-top {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  flex-wrap: wrap;
  gap: 20px;
  margin-bottom: 24px;
}
.footer-logo { font-size: 1rem; font-weight: 900; color: var(--teal); }
.footer-logo span { color: var(--blue); }
.footer-nav { display: flex; gap: 18px; flex-wrap: wrap; }
.footer-nav a { color: #94a3b8; text-decoration: none; font-weight: 600; transition: color .15s; }
.footer-nav a:hover { color: #fff; }
.footer-disclaimer {
  border-top: 1px solid rgba(255,255,255,.08);
  padding-top: 20px;
  color: rgba(148,163,184,.6);
  font-size: .73rem;
  line-height: 1.6;
}

/* ── INNER PAGES ── */
.page-hero {
  background: linear-gradient(135deg, var(--bg2), var(--bg));
  border-bottom: 1px solid var(--border);
  padding: 56px 20px 44px;
  text-align: center;
}
.page-hero h1 { font-size: clamp(1.8rem, 4vw, 2.6rem); font-weight: 900; color: var(--text); margin-bottom: 12px; }
.page-hero h1 span { color: var(--teal); }
.page-hero p { color: var(--muted); max-width: 580px; margin: 0 auto; }

.prose { max-width: 740px; margin: 0 auto; padding: 48px 20px; }
.prose h2 { font-size: 1.3rem; font-weight: 900; color: var(--text); margin: 32px 0 12px; border-left: 3px solid var(--teal); padding-left: 12px; }
.prose h3 { font-size: 1rem; font-weight: 800; color: var(--text); margin: 24px 0 8px; }
.prose p { color: var(--muted); margin-bottom: 14px; font-size: .93rem; line-height: 1.7; }
.prose ul { padding-left: 20px; margin-bottom: 14px; }
.prose li { color: var(--muted); font-size: .93rem; line-height: 1.7; margin-bottom: 6px; }
.prose a { color: var(--teal); }

/* ── RESPONSIVE ── */
@media (max-width: 860px) {
  .steps-grid { grid-template-columns: 1fr; gap: 28px; }
  .steps-grid::before { display: none; }
  .why-grid { grid-template-columns: 1fr 1fr; }
  .nav-steps { display: none; }
}
@media (max-width: 600px) {
  .form-card { padding: 24px 18px; }
  .form-row { grid-template-columns: 1fr; }
  .why-grid { grid-template-columns: 1fr 1fr; }
  .nav-links li:not(:last-child) { display: none; }
  .footer-top { flex-direction: column; }
}