/* ===== Binany Kenya — Mtindo wa jumla ===== */
:root{
  --navy:#0B1B3A;
  --navy-2:#13284f;
  --navy-3:#1e3a6b;
  --gold:#F5B800;
  --gold-deep:#C98A00;
  --ink:#0B1B3A;
  --paper:#f6f8fc;
  --white:#ffffff;
  --muted:#5d6f90;
  --line:#e2e8f4;
  --green:#1bbf8a;
  --radius:16px;
  --shadow:0 18px 50px -20px rgba(11,27,58,.45);
  --maxw:1160px;
  --font-display:"Poppins",-apple-system,Segoe UI,sans-serif;
  --font-body:"Nunito Sans",-apple-system,Segoe UI,sans-serif;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{
  font-family:var(--font-body);
  color:var(--ink);
  background:var(--paper);
  line-height:1.7;
  font-size:17px;
  -webkit-font-smoothing:antialiased;
}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 22px}
img{max-width:100%;display:block}
a{color:var(--gold-deep);text-decoration:none}

/* ===== Header ===== */
.site-header{
  position:sticky;top:0;z-index:50;
  background:rgba(11,27,58,.92);
  backdrop-filter:blur(10px);
  border-bottom:1px solid var(--navy-3);
}
.header-inner{display:flex;align-items:center;justify-content:space-between;gap:18px;height:68px}
.brand{display:flex;align-items:center}
.brand img{height:32px}
.nav{display:flex;align-items:center;gap:6px}
.nav a{
  color:#cfe;color:#d6e1f5;font-family:var(--font-display);font-weight:500;
  font-size:15px;padding:9px 14px;border-radius:10px;transition:.2s;
}
.nav a:hover,.nav a.active{background:var(--navy-3);color:#fff}
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:8px;
  font-family:var(--font-display);font-weight:600;font-size:15px;
  padding:12px 22px;border-radius:12px;cursor:pointer;border:none;
  transition:transform .15s ease,box-shadow .2s ease;white-space:nowrap;
}
.btn-gold{background:var(--gold);color:var(--navy);box-shadow:0 8px 22px -8px rgba(245,184,0,.7)}
.btn-gold:hover{transform:translateY(-2px);box-shadow:0 12px 28px -8px rgba(245,184,0,.85)}
.btn-ghost{background:transparent;color:#fff;border:1.5px solid var(--navy-3)}
.btn-ghost:hover{border-color:var(--gold);color:var(--gold)}
.btn-lg{padding:16px 34px;font-size:17px}
.header-cta{display:flex;align-items:center;gap:10px}
.burger{display:none;background:none;border:none;cursor:pointer;flex-direction:column;gap:5px;padding:8px}
.burger span{width:24px;height:2.5px;background:#fff;border-radius:2px;transition:.25s}

/* ===== Hero ===== */
.hero{
  background:
    radial-gradient(1100px 480px at 78% -8%, rgba(245,184,0,.16), transparent 60%),
    radial-gradient(800px 500px at 5% 110%, rgba(30,58,107,.55), transparent 60%),
    var(--navy);
  color:#fff;padding:74px 0 88px;position:relative;overflow:hidden;
}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:50px;align-items:center}
.eyebrow{
  display:inline-flex;align-items:center;gap:8px;font-family:var(--font-display);
  font-weight:600;font-size:13px;letter-spacing:.08em;text-transform:uppercase;
  color:var(--gold);background:rgba(245,184,0,.1);border:1px solid rgba(245,184,0,.3);
  padding:7px 14px;border-radius:999px;margin-bottom:20px;
}
.hero h1{
  font-family:var(--font-display);font-weight:800;line-height:1.08;
  font-size:clamp(32px,4.6vw,52px);margin-bottom:18px;letter-spacing:-.01em;
}
.hero h1 .hl{color:var(--gold)}
.hero p.lead{font-size:19px;color:#c4d2ec;max-width:540px;margin-bottom:30px}
.hero-cta{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:34px}
.hero-stats{display:flex;gap:34px;flex-wrap:wrap}
.hero-stats .s b{font-family:var(--font-display);font-size:30px;font-weight:800;color:#fff;display:block}
.hero-stats .s span{font-size:14px;color:#9fb3d6}
.hero-art{position:relative}
.hero-art img{filter:drop-shadow(0 30px 60px rgba(0,0,0,.5))}

/* ===== Sections ===== */
.section{padding:66px 0}
.section.alt{background:var(--white)}
.section h2{
  font-family:var(--font-display);font-weight:700;font-size:clamp(26px,3vw,36px);
  color:var(--navy);margin-bottom:8px;letter-spacing:-.01em;line-height:1.2;
}
.section h3{
  font-family:var(--font-display);font-weight:600;font-size:22px;color:var(--navy);
  margin:26px 0 10px;
}
.section .kicker{
  font-family:var(--font-display);font-weight:600;font-size:13px;letter-spacing:.1em;
  text-transform:uppercase;color:var(--gold-deep);margin-bottom:10px;
}
.section p{margin-bottom:16px;color:#33415c}
.section ul,.section ol{margin:0 0 18px 22px;color:#33415c}
.section li{margin-bottom:8px}
.lead-block{max-width:760px;margin-bottom:6px}

/* Article wrapper */
.article{max-width:820px}
.article h2{margin-top:46px}
.article h2:first-of-type{margin-top:14px}

/* Page hero (inner pages) */
.page-hero{
  background:
    radial-gradient(900px 380px at 80% -20%, rgba(245,184,0,.16), transparent 60%),
    var(--navy);
  color:#fff;padding:60px 0 56px;
}
.page-hero .eyebrow{margin-bottom:16px}
.page-hero h1{
  font-family:var(--font-display);font-weight:800;font-size:clamp(28px,4vw,46px);
  line-height:1.12;max-width:840px;letter-spacing:-.01em;
}
.page-hero h1 .hl{color:var(--gold)}
.page-hero p{color:#c4d2ec;max-width:660px;margin-top:16px;font-size:18px}
.breadcrumb{font-size:13px;color:#8ea4ca;margin-bottom:16px}
.breadcrumb a{color:#8ea4ca}
.breadcrumb a:hover{color:var(--gold)}

/* ===== Cards / features ===== */
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:34px}
.card{
  background:var(--white);border:1px solid var(--line);border-radius:var(--radius);
  padding:28px;box-shadow:0 10px 30px -22px rgba(11,27,58,.4);transition:.25s;
}
.card:hover{transform:translateY(-4px);box-shadow:var(--shadow);border-color:#d4def0}
.card .ic{
  width:50px;height:50px;border-radius:13px;display:grid;place-items:center;
  background:linear-gradient(135deg,var(--gold),var(--gold-deep));margin-bottom:16px;
  font-size:24px;
}
.card h3{margin:0 0 8px;font-family:var(--font-display);font-size:19px;color:var(--navy)}
.card p{font-size:15px;margin:0;color:var(--muted)}

/* ===== Table ===== */
.table-wrap{overflow-x:auto;margin:18px 0 24px;border-radius:14px;border:1px solid var(--line)}
table{width:100%;border-collapse:collapse;background:#fff;min-width:480px}
th,td{padding:14px 18px;text-align:left;border-bottom:1px solid var(--line);font-size:15px}
th{background:var(--navy);color:#fff;font-family:var(--font-display);font-weight:600}
tr:last-child td{border-bottom:none}
tbody tr:nth-child(even){background:#fafbfe}

/* ===== CTA band ===== */
.cta-band{
  background:linear-gradient(120deg,var(--navy),var(--navy-2));
  border-radius:22px;padding:44px;text-align:center;color:#fff;margin:40px 0;
  border:1px solid var(--navy-3);position:relative;overflow:hidden;
}
.cta-band:before{
  content:"";position:absolute;inset:-2px;
  background:radial-gradient(500px 200px at 50% -40%,rgba(245,184,0,.25),transparent 70%);
}
.cta-band > *{position:relative}
.cta-band h2{color:#fff;margin-bottom:10px}
.cta-band p{color:#c4d2ec;max-width:560px;margin:0 auto 24px}

/* ===== FAQ ===== */
.faq{max-width:820px;margin-top:14px}
.faq-item{
  background:#fff;border:1px solid var(--line);border-radius:14px;margin-bottom:12px;
  overflow:hidden;transition:.2s;
}
.faq-item[open]{border-color:var(--gold);box-shadow:0 10px 30px -22px rgba(11,27,58,.4)}
.faq-item summary{
  cursor:pointer;list-style:none;padding:18px 22px;font-family:var(--font-display);
  font-weight:600;font-size:17px;color:var(--navy);display:flex;justify-content:space-between;
  align-items:center;gap:12px;
}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item summary:after{content:"+";font-size:24px;color:var(--gold-deep);transition:.2s;font-weight:400}
.faq-item[open] summary:after{transform:rotate(45deg)}
.faq-item .ans{padding:0 22px 20px;color:#33415c}
.faq-item .ans p{margin-bottom:10px}

/* ===== Author box ===== */
.author{
  display:flex;gap:18px;align-items:flex-start;background:var(--white);
  border:1px solid var(--line);border-left:4px solid var(--gold);
  border-radius:14px;padding:22px 24px;margin:42px 0 10px;max-width:820px;
}
.author .ava{
  width:62px;height:62px;border-radius:50%;flex-shrink:0;
  background:linear-gradient(135deg,var(--navy-3),var(--navy));
  display:grid;place-items:center;color:var(--gold);font-family:var(--font-display);
  font-weight:700;font-size:22px;
}
.author .who{font-family:var(--font-display);font-weight:700;color:var(--navy);font-size:17px}
.author .role{font-size:13px;color:var(--gold-deep);font-weight:600;margin-bottom:6px;text-transform:uppercase;letter-spacing:.05em}
.author p{font-size:14px;color:var(--muted);margin:0}

/* ===== Steps ===== */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:30px;counter-reset:s}
.step{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px;position:relative}
.step:before{
  counter-increment:s;content:counter(s);
  position:absolute;top:-16px;left:24px;width:38px;height:38px;border-radius:11px;
  background:var(--gold);color:var(--navy);font-family:var(--font-display);font-weight:800;
  display:grid;place-items:center;font-size:18px;box-shadow:0 8px 18px -8px rgba(245,184,0,.7);
}
.step h3{margin:14px 0 6px;font-size:18px}
.step p{font-size:15px;color:var(--muted);margin:0}

/* ===== Payment logos ===== */
.pays{display:flex;flex-wrap:wrap;gap:16px;margin-top:22px}
.pay{
  background:#fff;border:1px solid var(--line);border-radius:12px;padding:14px 22px;
  font-family:var(--font-display);font-weight:700;color:var(--navy);font-size:15px;
}

/* ===== Footer ===== */
.site-footer{background:var(--navy);color:#aebcd6;padding:54px 0 28px;margin-top:60px}
.footer-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr;gap:34px}
.site-footer img{height:30px;margin-bottom:16px}
.site-footer h4{font-family:var(--font-display);color:#fff;font-size:15px;margin-bottom:14px}
.site-footer a{display:block;color:#aebcd6;font-size:14px;padding:5px 0}
.site-footer a:hover{color:var(--gold)}
.footer-about{font-size:14px;max-width:300px}
.footer-bottom{border-top:1px solid var(--navy-3);margin-top:34px;padding-top:22px;font-size:13px;color:#7e90b3}
.risk{font-size:12.5px;color:#6f82a8;max-width:760px;margin-top:10px;line-height:1.6}

/* reveal animation */
.reveal{opacity:0;transform:translateY(22px);transition:opacity .6s ease,transform .6s ease}
.reveal.in{opacity:1;transform:none}

/* ===== Responsive ===== */
@media(max-width:920px){
  .hero-grid{grid-template-columns:1fr;gap:34px}
  .hero-art{order:-1;max-width:440px}
  .cards,.steps{grid-template-columns:1fr 1fr}
  .footer-grid{grid-template-columns:1fr 1fr;gap:26px}
}
@media(max-width:760px){
  .nav,.header-cta .btn-ghost{display:none}
  .burger{display:flex}
  .nav.open{
    display:flex;flex-direction:column;position:absolute;top:68px;left:0;right:0;
    background:var(--navy);padding:14px 22px 22px;border-bottom:1px solid var(--navy-3);gap:4px;
  }
  .nav.open a{width:100%}
  .nav.open .btn{margin-top:8px;width:100%}
}
@media(max-width:560px){
  body{font-size:16px}
  .cards,.steps{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr}
  .hero-stats{gap:22px}
  .cta-band{padding:30px 22px}
  .section{padding:48px 0}
}