*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
    :root {
      --bg: #140a24; --bg-2: #1b1030; --card: #221537;
      --border: #33244d; --text: #ece7f5; --muted: #a99fc2;
      --accent: #f5b301; --accent-2: #a855f7; --success: #34d399;
    }
    html { scroll-behavior: smooth; }
    body {
      font-family: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
      background: var(--bg); color: var(--text); line-height: 1.6;
      -webkit-font-smoothing: antialiased; overflow-x: hidden;
    }
    .container { max-width: 1200px; margin: 0 auto; padding: 0 24px; }

    /* Nav */
    nav { position: fixed; top: 0; left: 0; right: 0; z-index: 100;
          background: rgba(10, 15, 28, 0.85); backdrop-filter: blur(12px);
          border-bottom: 1px solid var(--border); }
    nav .container { display: flex; justify-content: space-between; align-items: center; height: 70px; }
    .logo { display: inline-flex; align-items: center; gap: 12px; font-size: 20px; font-weight: 800; color: #fff; text-decoration: none; letter-spacing: -0.01em; }
    .logo img { height: 54px; width: 54px; object-fit: cover; border-radius: 10px; }
    .logo-text { line-height: 1.1; }
    .logo-text .sub { display: block; font-size: 10px; color: var(--muted); font-weight: 500; letter-spacing: 0.15em; text-transform: uppercase; margin-top: 2px; }
    .nav-links { display: flex; gap: 28px; }
    .nav-links a { color: var(--muted); text-decoration: none; font-size: 14px; font-weight: 500; transition: color .2s; }
    .nav-links a:hover { color: var(--text); }
    .cta-btn { background: linear-gradient(135deg, var(--accent), var(--accent-2));
               color: #140a24; padding: 10px 22px; border-radius: 999px;
               font-weight: 600; font-size: 14px; text-decoration: none;
               transition: transform .15s, box-shadow .15s; }
    .cta-btn:hover { transform: translateY(-1px); box-shadow: 0 8px 24px rgba(245, 179, 1, 0.3); }

    /* Hero */
    .hero { padding: 160px 0 100px; position: relative; overflow: hidden;
            background: radial-gradient(ellipse 80% 50% at 50% -20%, rgba(245, 179, 1, 0.15), transparent); }
    .hero-grid { display: grid; grid-template-columns: 1.2fr 1fr; gap: 60px; align-items: center; }
    .pill { display: inline-flex; align-items: center; gap: 8px;
            background: rgba(245, 179, 1, 0.1); border: 1px solid rgba(245, 179, 1, 0.3);
            color: var(--accent); padding: 6px 14px; border-radius: 999px;
            font-size: 13px; font-weight: 500; margin-bottom: 24px; }
    .pill::before { content: ''; width: 6px; height: 6px; border-radius: 50%; background: var(--success); }
    h1 { font-size: clamp(36px, 5vw, 56px); line-height: 1.1; font-weight: 800; color: #fff;
         letter-spacing: -0.02em; margin-bottom: 24px; }
    h1 .gradient { background: linear-gradient(135deg, var(--accent), var(--accent-2));
                   -webkit-background-clip: text; background-clip: text; color: transparent; }
    .hero-sub { font-size: 18px; color: var(--muted); margin-bottom: 36px; max-width: 540px; }
    .hero-ctas { display: flex; gap: 16px; flex-wrap: wrap; }
    .btn-secondary { background: transparent; border: 1px solid var(--border);
                     color: var(--text); padding: 10px 22px; border-radius: 999px;
                     font-weight: 600; font-size: 14px; text-decoration: none;
                     transition: border-color .2s, background .2s; }
    .btn-secondary:hover { border-color: var(--accent); background: rgba(245, 179, 1, 0.05); }
    .hero-tagline { font-size: 12px; color: var(--muted); margin-top: 32px; text-transform: uppercase; letter-spacing: 0.18em; font-weight: 600; }

    .hero-visual { background: var(--card); border: 1px solid var(--border);
                   border-radius: 16px; padding: 24px; box-shadow: 0 40px 80px rgba(0,0,0,0.3); }
    .chat-msg { padding: 12px 16px; border-radius: 12px; margin-bottom: 12px; font-size: 14px; }
    .chat-msg.bot { background: rgba(245, 179, 1, 0.08); border-left: 3px solid var(--accent); }
    .chat-msg.user { background: var(--bg-2); margin-left: 40px; }
    .chat-meta { font-size: 11px; color: var(--muted); margin-bottom: 4px; }

    /* Stats */
    .stats { padding: 60px 0; border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); }
    .stats-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 40px; text-align: center; }
    .stat-num { font-size: 40px; font-weight: 800; color: #fff; letter-spacing: -0.02em; }
    .stat-num .gradient { background: linear-gradient(135deg, var(--accent), var(--accent-2)); -webkit-background-clip: text; background-clip: text; color: transparent; }
    .stat-label { font-size: 13px; color: var(--muted); margin-top: 4px; text-transform: uppercase; letter-spacing: 0.05em; }

    /* Sections */
    section { padding: 100px 0; }
    .section-header { text-align: center; margin-bottom: 60px; }
    .section-tag { display: inline-block; color: var(--accent); font-size: 13px; font-weight: 600;
                   text-transform: uppercase; letter-spacing: 0.1em; margin-bottom: 12px; }
    h2 { font-size: clamp(28px, 4vw, 40px); font-weight: 700; color: #fff; letter-spacing: -0.02em; }
    .section-sub { color: var(--muted); font-size: 17px; max-width: 720px; margin: 16px auto 0; }

    /* About */
    .about-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; }
    .about-text p { color: var(--text); margin-bottom: 18px; font-size: 16px; }
    .about-text p:first-of-type { font-size: 18px; color: #fff; }
    .about-stats { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
    .about-stat { background: var(--card); border: 1px solid var(--border); border-radius: 12px; padding: 24px; }
    .about-stat .n { font-size: 32px; font-weight: 800; color: #fff; letter-spacing: -0.02em; }
    .about-stat .l { font-size: 13px; color: var(--muted); margin-top: 4px; }

    /* Services */
    .services { background: var(--bg-2); }
    .services-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
    .service-card { background: var(--card); border: 1px solid var(--border);
                    border-radius: 16px; padding: 32px;
                    transition: transform .2s, border-color .2s; }
    .service-card:hover { transform: translateY(-4px); border-color: var(--accent); }
    .service-icon { width: 48px; height: 48px; border-radius: 12px;
                    background: rgba(245, 179, 1, 0.1); border: 1px solid rgba(245, 179, 1, 0.3);
                    display: flex; align-items: center; justify-content: center;
                    font-size: 24px; margin-bottom: 20px; }
    .service-card h3 { color: #fff; font-size: 20px; margin-bottom: 12px; font-weight: 600; }
    .service-card p { color: var(--muted); font-size: 15px; }
    .service-card ul { list-style: none; margin-top: 16px; }
    .service-card li { color: var(--muted); font-size: 14px; padding: 6px 0 6px 22px; position: relative; }
    .service-card li::before { content: '✓'; position: absolute; left: 0; color: var(--accent); font-weight: bold; }

    /* Industries */
    .industries-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 24px; max-width: 1000px; margin: 0 auto; }
    .industry-card { background: var(--card); border: 1px solid var(--border); border-radius: 16px; padding: 32px; transition: border-color .2s; }
    .industry-card:hover { border-color: var(--accent); }
    .industry-card h3 { color: #fff; font-size: 20px; margin-bottom: 6px; font-weight: 700; }
    .industry-tag { color: var(--accent); font-size: 11px; font-weight: 600; text-transform: uppercase; letter-spacing: 0.1em; margin-bottom: 16px; }
    .industry-card ul { list-style: none; }
    .industry-card li { color: var(--muted); font-size: 14px; padding: 6px 0 6px 22px; position: relative; }
    .industry-card li::before { content: '→'; position: absolute; left: 0; color: var(--accent); font-weight: bold; }

    /* Strengths */
    .strengths { background: var(--bg-2); }
    .strengths-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 24px; }
    .strength-card { background: var(--card); border: 1px solid var(--border); border-radius: 16px; padding: 32px; }
    .strength-num { color: var(--accent); font-weight: 800; font-size: 14px; letter-spacing: 0.1em; margin-bottom: 8px; }
    .strength-card h3 { color: #fff; font-size: 22px; margin-bottom: 16px; font-weight: 700; letter-spacing: -0.01em; }
    .strength-card p { color: var(--muted); font-size: 14px; margin-bottom: 8px; }

    /* Ops Excellence */
    .ops-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
    .ops-card { background: var(--card); border: 1px solid var(--border); border-radius: 16px; padding: 28px; }
    .ops-card h4 { color: #fff; font-size: 16px; margin-bottom: 12px; font-weight: 600; display: flex; align-items: center; gap: 8px; }
    .ops-card h4::before { content: ''; width: 6px; height: 6px; border-radius: 50%; background: var(--accent); }
    .ops-card ul { list-style: none; }
    .ops-card li { color: var(--muted); font-size: 13px; padding: 4px 0; }
    .ops-card .ratio { display: flex; justify-content: space-between; padding: 6px 0; font-size: 13px; border-bottom: 1px solid var(--border); }
    .ops-card .ratio:last-child { border-bottom: none; }
    .ops-card .ratio strong { color: #fff; }

    /* Tech Stack */
    .tech-stack { background: var(--bg-2); }
    .tech-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 16px; }
    .tech-item { background: var(--card); border: 1px solid var(--border); border-radius: 12px; padding: 20px 24px; display: flex; gap: 16px; align-items: flex-start; }
    .tech-icon { font-size: 22px; flex-shrink: 0; }
    .tech-item h5 { color: #fff; font-size: 15px; font-weight: 600; margin-bottom: 4px; }
    .tech-item p { color: var(--muted); font-size: 13px; }

    /* Transition */
    .transition-timeline { display: grid; grid-template-columns: repeat(5, 1fr); gap: 16px; position: relative; max-width: 1000px; margin: 0 auto; }
    .timeline-step { text-align: center; position: relative; padding-top: 32px; }
    .timeline-step::before { content: ''; position: absolute; top: 14px; left: 50%; width: 12px; height: 12px; border-radius: 50%; background: var(--accent); transform: translateX(-50%); z-index: 2; }
    .timeline-step::after { content: ''; position: absolute; top: 19px; left: 50%; right: -50%; height: 2px; background: var(--border); z-index: 1; }
    .timeline-step:last-child::after { display: none; }
    .timeline-week { color: var(--accent); font-size: 11px; font-weight: 700; text-transform: uppercase; letter-spacing: 0.1em; margin-bottom: 6px; }
    .timeline-title { color: #fff; font-size: 14px; font-weight: 600; margin-bottom: 4px; }
    .timeline-sub { color: var(--muted); font-size: 12px; }

    /* Clients */
    .clients-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; max-width: 1000px; margin: 0 auto; }
    .client-logo { background: #fff; border: 1px solid var(--border); border-radius: 16px;
                   padding: 36px 24px; text-align: center; transition: transform .2s, box-shadow .2s;
                   display: flex; flex-direction: column; align-items: center; justify-content: center;
                   min-height: 180px; }
    .client-logo:hover { transform: translateY(-4px); box-shadow: 0 12px 32px rgba(0,0,0,0.3); }
    .client-mark { font-weight: 800; letter-spacing: -0.04em; margin-bottom: 6px; line-height: 1; }
    .client-tag { font-size: 11px; font-weight: 500; letter-spacing: 0.08em; text-transform: uppercase; color: #475569; }
    .mark-freo { color: #0EBE7F; font-size: 36px; font-family: 'Inter', sans-serif; }
    .mark-freo .dot { color: #FF6B35; }
    .mark-moneyview { font-size: 36px; color: #1B5BAC; font-family: 'Inter', sans-serif; }
    .mark-moneyview .v { color: #F58220; font-weight: 800; }
    .mark-furlenco { font-size: 28px; color: #1F2937; letter-spacing: 0.12em; font-family: 'Inter', sans-serif; }
    .mark-furlenco .o { color: #FF6B35; }

    /* Brand wall */
    .brand-wall { display: grid; grid-template-columns: repeat(5, 1fr); gap: 16px; margin-top: 48px; max-width: 1100px; margin-left: auto; margin-right: auto; }
    .brand-cell { background: #fff; border-radius: 10px; padding: 24px 16px; text-align: center; min-height: 80px; display: flex; align-items: center; justify-content: center; transition: transform .15s; }
    .brand-cell:hover { transform: translateY(-2px); }
    .brand-cell .wm { font-weight: 800; font-size: 16px; letter-spacing: -0.02em; line-height: 1; }
    .brand-cell .wm.spaced { letter-spacing: 0.12em; }
    @media (max-width: 768px) { .brand-wall { grid-template-columns: repeat(2, 1fr); } }

    /* Technology Partner */
    .partner-section { padding: 80px 0; background: var(--bg-2); }
    .partner-card { background: linear-gradient(135deg, rgba(245,179,1,0.08), rgba(168,85,247,0.08));
                    border: 1px solid var(--border); border-radius: 24px;
                    padding: 56px; max-width: 1000px; margin: 0 auto;
                    display: grid; grid-template-columns: 1fr 1.2fr; gap: 48px; align-items: center; }
    .partner-logo-wrap { background: #fff; border-radius: 16px; padding: 32px;
                         display: flex; align-items: center; justify-content: center; min-height: 180px; }
    .partner-logo-wrap img { max-width: 100%; height: auto; }
    .partner-content h3 { color: #fff; font-size: 28px; font-weight: 700; margin-bottom: 12px; letter-spacing: -0.02em; }
    .partner-content p { color: var(--muted); font-size: 16px; margin-bottom: 20px; }
    .partner-badges { display: flex; gap: 12px; flex-wrap: wrap; margin-top: 20px; }
    .partner-badge { display: inline-flex; align-items: center; gap: 8px;
                     background: rgba(245, 179, 1, 0.1); border: 1px solid rgba(245, 179, 1, 0.3);
                     color: var(--accent); padding: 8px 14px; border-radius: 999px;
                     font-size: 13px; font-weight: 500; }
    .partner-badge svg { width: 14px; height: 14px; }

    /* Compliance */
    .compliance-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
    .compliance-item { text-align: center; padding: 24px; }
    .compliance-icon { font-size: 32px; margin-bottom: 12px; }
    .compliance-item h4 { color: #fff; font-size: 16px; font-weight: 600; margin-bottom: 6px; }
    .compliance-item p { color: var(--muted); font-size: 13px; }

    /* Locations */
    .locations { background: var(--bg-2); }
    .locations-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; max-width: 1100px; margin: 0 auto; }
    .location-card { background: var(--card); border: 1px solid var(--border); border-radius: 16px; padding: 28px; transition: border-color .2s; }
    .location-card:hover { border-color: var(--accent); }
    .location-flag { color: var(--accent); font-size: 12px; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase; margin-bottom: 8px; }
    .location-card h4 { color: #fff; font-size: 18px; font-weight: 600; margin-bottom: 8px; }
    .location-card p { color: var(--muted); font-size: 14px; line-height: 1.6; }

    /* CTA */
    .cta-section { padding: 100px 0; text-align: center; }
    .cta-box { background: linear-gradient(135deg, rgba(245,179,1,0.1), rgba(168,85,247,0.1));
               border: 1px solid var(--border); border-radius: 24px;
               padding: 60px 40px; max-width: 900px; margin: 0 auto; }
    .cta-box h2 { margin-bottom: 16px; }
    .cta-box p { color: var(--muted); font-size: 17px; margin-bottom: 32px; }
    .contact-info-grid { display: grid; grid-template-columns: 1fr 1.4fr 1.2fr; gap: 32px;
                         margin-top: 40px; padding-top: 32px; border-top: 1px solid var(--border); text-align: left; }
    .contact-label { color: var(--accent); font-size: 12px; text-transform: uppercase; letter-spacing: 0.1em; margin-bottom: 8px; }
    .contact-email-cell { min-width: 0; }
    .contact-email-link { color: var(--muted); font-size: 14px; text-decoration: none;
                          word-break: break-all; overflow-wrap: anywhere; display: inline-block; }
    @media (max-width: 768px) { .contact-info-grid { grid-template-columns: 1fr; gap: 20px; } }

    /* Footer */
    footer { border-top: 1px solid var(--border); padding: 40px 0;
             color: var(--muted); font-size: 14px; }
    .footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr; gap: 40px; margin-bottom: 32px; }
    .footer-grid h5 { color: #fff; font-size: 14px; margin-bottom: 12px; font-weight: 600; }
    .footer-grid a { color: var(--muted); text-decoration: none; display: block; margin-bottom: 6px; }
    .footer-grid a:hover { color: var(--accent); }
    .footer-bottom { display: flex; justify-content: space-between; padding-top: 24px; border-top: 1px solid var(--border); flex-wrap: wrap; gap: 12px; }

    @media (max-width: 768px) {
      .nav-links { display: none; }
      .hero { padding: 120px 0 60px; }
      .hero-grid, .about-grid { grid-template-columns: 1fr; gap: 40px; }
      .stats-grid, .services-grid, .compliance-grid, .clients-grid,
      .strengths-grid, .industries-grid, .ops-grid, .tech-grid, .locations-grid { grid-template-columns: 1fr; gap: 16px; }
      .partner-card { grid-template-columns: 1fr; padding: 32px; gap: 32px; }
      .transition-timeline { grid-template-columns: 1fr; gap: 24px; }
      .timeline-step::after { display: none; }
      .footer-grid { grid-template-columns: 1fr; }
      section { padding: 60px 0; }
    }

/* Key Accounts */
.accounts-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(230px, 1fr)); gap: 24px; max-width: 1200px; margin: 0 auto; }
.account-card { background: var(--card); border: 1px solid var(--border); border-radius: 16px; overflow: hidden; transition: transform .2s, border-color .2s; }
.account-card:hover { transform: translateY(-4px); border-color: var(--accent); }
.account-logo { height: 120px; display: flex; align-items: center; justify-content: center; gap: 12px; }
.tile-freo { background: #111111; }
.tile-moneyview { background: #16755a; }
.tile-furlenco { background: #009da6; }
.wm-freo { color: #fff; font-size: 40px; font-weight: 800; letter-spacing: -.05em; font-style: italic; }
.wm-freo sup { font-size: 13px; font-style: normal; vertical-align: super; }
.mv-mark { width: 40px; height: 40px; border-radius: 50%; background: #fff; color: #16755a; font-weight: 800; display: flex; align-items: center; justify-content: center; font-size: 24px; letter-spacing: -.05em; }
.wm-mv { color: #fff; font-size: 28px; font-weight: 700; letter-spacing: -.01em; }
.wm-furlenco { color: #fff; font-size: 24px; font-weight: 500; letter-spacing: .24em; }
.account-body { padding: 22px 26px 26px; }
.account-body h3 { color: #fff; font-size: 20px; font-weight: 700; margin-bottom: 4px; letter-spacing: -.01em; }
.account-body h3 .muted { color: var(--muted); font-size: 13px; font-weight: 500; }
.account-tags { display: flex; gap: 8px; flex-wrap: wrap; margin: 10px 0 12px; }
.account-tag { font-size: 11px; font-weight: 600; letter-spacing: .04em; text-transform: uppercase; color: var(--accent); background: rgba(245,179,1,.1); border: 1px solid rgba(245,179,1,.25); padding: 4px 10px; border-radius: 999px; }
.account-body p { color: var(--muted); font-size: 14px; line-height: 1.65; }
@media (max-width: 768px) { .accounts-grid { grid-template-columns: 1fr; } }
.tile-act { background: #ffffff; flex-direction: column; gap: 3px; }
.wm-act { color: #E4002B; font-size: 36px; font-weight: 800; letter-spacing: -.02em; line-height: 1; }
.wm-act-sub { color: #E4002B; font-size: 13px; font-weight: 700; letter-spacing: .24em; }
.tile-moneytap { background: #ffffff; gap: 10px; }
.wm-mt { font-size: 26px; font-weight: 800; color: #1a1a2e; letter-spacing: -.02em; }
.wm-mt span { color: #F7941E; }

/* ── Surabhi Fintech additions ─────────────────────────────────────────── */

/* Text logo mark (no image asset) */
.logo-mark {
  height: 54px; width: 54px; border-radius: 10px; flex-shrink: 0;
  background: linear-gradient(135deg, #1b1030, #33244d);
  border: 1px solid var(--border);
  color: var(--accent); font-weight: 800; font-size: 30px;
  display: inline-flex; align-items: center; justify-content: center;
  letter-spacing: -0.02em;
}

/* Two-up Key Accounts grid (only 2 clients) */
.accounts-grid--two { grid-template-columns: repeat(2, minmax(0, 1fr)); max-width: 820px; }
@media (max-width: 768px) { .accounts-grid--two { grid-template-columns: 1fr; } }

/* WhatsApp / campaign line on an account card */
.account-line {
  margin-top: 12px; font-size: 12px; font-weight: 600; letter-spacing: 0.02em;
  color: var(--accent);
}

/* KreditBee brand tile */
.tile-kreditbee { background: #ffffff; gap: 10px; }
.kb-mark {
  width: 40px; height: 40px; border-radius: 9px; background: #FDB913; color: #1a1a1a;
  font-weight: 800; font-size: 17px; letter-spacing: -0.03em;
  display: flex; align-items: center; justify-content: center;
}
.wm-kb { font-size: 26px; font-weight: 800; color: #1a1a2e; letter-spacing: -0.02em; }
.wm-kb span { color: #F5A623; }