/* Layout: left-aligned corporate page; a MICR-line motif carries the bank-payments world through the hero and section labels. */
:root{
  --bg:#FBFCFA; --surface:#EEF2EC; --ink:#16211C; --muted:#56635B; --line:#D3DBD4;
  --green:#1F6B4A; --green-dk:#174F37; --on-green:#FFFFFF; --gold:#9A7B2E; --band:#174F37; --band-ink:#E6EFE9;
  --display:"Fraunces", Georgia, "Times New Roman", serif;
  --body:"IBM Plex Sans", "Segoe UI", system-ui, -apple-system, sans-serif;
  --mono:"IBM Plex Mono", ui-monospace, "SFMono-Regular", Consolas, monospace;
}
@media (prefers-color-scheme: dark){
  :root:not([data-theme="light"]){
    --bg:#0F1613; --surface:#17211C; --ink:#E4ECE6; --muted:#9DAAA2; --line:#2A3730;
    --green:#5FB58B; --green-dk:#3E8E68; --on-green:#0F1613; --gold:#D2B26A; --band:#122A1F; --band-ink:#D7E6DC;
    color-scheme:dark;
  }
}
:root[data-theme="dark"]{
  --bg:#0F1613; --surface:#17211C; --ink:#E4ECE6; --muted:#9DAAA2; --line:#2A3730;
  --green:#5FB58B; --green-dk:#3E8E68; --on-green:#0F1613; --gold:#D2B26A; --band:#122A1F; --band-ink:#D7E6DC;
  color-scheme:dark;
}
*{box-sizing:border-box}
body{background:var(--bg);color:var(--ink);font-family:var(--body);font-size:17px;line-height:1.6;margin:0}
a{color:var(--green)}
a:focus-visible,.btn:focus-visible{outline:2px solid var(--gold);outline-offset:3px}
.wrap{max-width:1120px;margin:0 auto;padding-left:max(20px, env(safe-area-inset-left, 0px));padding-right:max(20px, env(safe-area-inset-right, 0px))}
h1,h2,h3{font-family:var(--display);font-weight:600;line-height:1.15;text-wrap:balance;margin:0}
h1{font-size:clamp(2.3rem, 5.2vw, 3.9rem);letter-spacing:-0.015em}
h2{font-size:clamp(1.7rem, 3.2vw, 2.4rem);letter-spacing:-0.01em}
h3{font-size:1.25rem}
p{margin:0}
.label{font-family:var(--mono);font-size:.78rem;letter-spacing:.12em;text-transform:uppercase;color:var(--green)}
.micr{font-family:var(--mono);letter-spacing:.18em;color:var(--muted);font-size:.9rem;white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
.micr b{color:var(--gold);font-weight:500}

/* header */
header{border-bottom:1px solid var(--line);background:var(--bg)}
header .wrap{display:flex;align-items:center;justify-content:space-between;gap:20px;padding-block:18px;flex-wrap:wrap}
.brand{font-family:var(--display);font-weight:700;font-size:1.55rem;color:var(--ink);text-decoration:none;letter-spacing:-0.01em}
.brand span{color:var(--green)}
nav{display:flex;gap:26px;flex-wrap:wrap}
nav a{color:var(--muted);text-decoration:none;font-size:.95rem;font-weight:500}
nav a:hover{color:var(--ink)}

/* hero */
.hero .wrap{display:grid;grid-template-columns:1.25fr .9fr;gap:56px;padding-block:72px 64px;align-items:start}
.hero-copy{display:flex;flex-direction:column;gap:22px;min-width:0}
.hero-copy .lede{font-size:1.2rem;color:var(--muted);max-width:36em}
.ctas{display:flex;gap:14px;flex-wrap:wrap;margin-top:6px}
.btn{display:inline-block;padding:13px 22px;border-radius:3px;font-weight:600;text-decoration:none;font-size:1rem}
.btn.primary{background:var(--green);color:var(--on-green)}
.btn.primary:hover{background:var(--green-dk)}
.btn.ghost{border:1px solid var(--line);color:var(--ink)}
.btn.ghost:hover{border-color:var(--green)}
.hero-copy .micr{margin-top:14px;padding-top:16px;border-top:1px dashed var(--line)}

.ladder{border:1px solid var(--line);border-radius:4px;background:var(--surface);padding:26px 26px 22px;min-width:0}
.ladder .label{margin-bottom:14px;display:block}
.ladder ol{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:0}
.ladder li{display:grid;grid-template-columns:76px 1fr;gap:14px;padding:13px 0;border-top:1px solid var(--line)}
.ladder li:first-child{border-top:0;padding-top:4px}
.ladder .when{font-family:var(--mono);font-size:.8rem;color:var(--green);padding-top:3px}
.ladder strong{display:block;font-weight:600}
.ladder span.d{color:var(--muted);font-size:.93rem;line-height:1.45}
.ladder .note{margin-top:14px;font-size:.88rem;color:var(--muted);font-style:italic}

/* sections */
section{padding-block:72px}
section .wrap{display:flex;flex-direction:column;gap:36px}
.sec-head{display:flex;flex-direction:column;gap:12px;max-width:44em}
.sec-head p{color:var(--muted);font-size:1.08rem}
.alt{background:var(--surface)}

.prefer{display:grid;grid-template-columns:repeat(3,1fr);gap:32px}
.prefer div{display:flex;flex-direction:column;gap:8px;min-width:0}
.prefer h3{font-size:1.15rem}
.prefer p{color:var(--muted)}

/* products */
.products{display:flex;flex-direction:column;border-top:1px solid var(--line)}
.prod{display:grid;grid-template-columns:200px 1fr 220px;gap:28px;padding:26px 0;border-bottom:1px solid var(--line);align-items:baseline}
.prod .group{font-family:var(--mono);font-size:.76rem;letter-spacing:.12em;text-transform:uppercase;color:var(--muted)}
.prod .main{display:flex;flex-direction:column;gap:6px;min-width:0}
.prod .main h3{font-size:1.45rem}
.prod .main p{color:var(--muted);max-width:40em}
.prod .go{justify-self:end;font-weight:600;text-decoration:none;white-space:nowrap}
.prod .go:hover{text-decoration:underline}
.prod .go.plain{color:var(--muted);font-weight:500}

/* teller feature */
.teller{border:1px solid var(--line);border-radius:4px;background:var(--surface);padding:30px;display:flex;flex-direction:column;gap:24px}
.teller-head{display:flex;justify-content:space-between;align-items:center;gap:16px;flex-wrap:wrap}
.teller-head h3{font-size:1.45rem}
.progs{display:grid;grid-template-columns:repeat(3,1fr);gap:0;border-top:1px solid var(--line)}
.progs div{padding:20px 20px 20px 0;border-bottom:1px solid var(--line);display:flex;flex-direction:column;gap:6px;min-width:0}
.progs .group{font-family:var(--mono);font-size:.74rem;letter-spacing:.12em;text-transform:uppercase;color:var(--green)}
.progs h4{font-family:var(--display);font-weight:600;font-size:1.15rem;margin:0}
.progs p{color:var(--muted);font-size:.95rem}
.teller-foot{color:var(--muted);font-size:.95rem}

/* plug-in steps */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:0;border:1px solid var(--line);border-radius:4px;overflow:hidden;background:var(--bg)}
.step{padding:24px 22px;display:flex;flex-direction:column;gap:10px;border-left:1px solid var(--line);min-width:0}
.step:first-child{border-left:0}
.step .n{font-family:var(--mono);font-size:.8rem;color:var(--gold)}
.step h3{font-size:1.15rem}
.step p{color:var(--muted);font-size:.96rem}
.pull{font-family:var(--display);font-size:clamp(1.3rem, 2.4vw, 1.7rem);font-weight:500;color:var(--green);max-width:30em;line-height:1.3}

/* banks */
.banks{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:start}
.banks .copy{display:flex;flex-direction:column;gap:16px;min-width:0}
.banks .copy p{color:var(--muted)}
.checks{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:14px}
.checks li{padding-left:28px;position:relative;min-width:0}
.checks li::before{content:"⑈";position:absolute;left:0;top:0;color:var(--gold);font-family:var(--mono)}
.checks strong{font-weight:600}

/* why */
.why{display:grid;grid-template-columns:repeat(3,1fr);gap:32px}
.why div{display:flex;flex-direction:column;gap:8px;padding-top:18px;border-top:2px solid var(--green);min-width:0}
.why p{color:var(--muted)}

/* contact band */
.band{background:var(--band);color:var(--band-ink)}
.band .wrap{display:grid;grid-template-columns:1.2fr 1fr;gap:40px;padding-block:64px;align-items:center}
.band h2{color:var(--band-ink)}
.band p{opacity:.9;margin-top:12px;max-width:34em}
.contact{display:flex;flex-direction:column;gap:10px;font-family:var(--mono);font-size:1rem}
.contact a,.contact span{color:var(--band-ink);text-decoration:none;user-select:all}
.contact a:hover{text-decoration:underline}

footer .wrap{display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap;padding-block:28px;font-size:.88rem;color:var(--muted)}
footer a{color:var(--muted)}

@media (max-width: 900px){
  .hero .wrap{grid-template-columns:1fr;gap:40px;padding-block:48px}
  .prod{grid-template-columns:1fr;gap:8px}
  .progs{grid-template-columns:1fr 1fr}
  .prod .go{justify-self:start}
  .steps{grid-template-columns:1fr 1fr}
  .step:nth-child(3){border-left:0}
  .step:nth-child(n+3){border-top:1px solid var(--line)}
  .banks,.band .wrap{grid-template-columns:1fr;gap:32px}
}
@media (max-width: 640px){
  body{font-size:16px}
  nav{gap:18px}
  section{padding-block:52px}
  .prefer,.why{grid-template-columns:1fr;gap:24px}
  .steps{grid-template-columns:1fr}
  .progs{grid-template-columns:1fr}
  .teller{padding:22px}
  .step{border-left:0;border-top:1px solid var(--line)}
  .step:first-child{border-top:0}
  .ladder li{grid-template-columns:64px 1fr}
}
@media (prefers-reduced-motion: no-preference){
  .btn,.prod .go{transition:background-color .15s ease, border-color .15s ease}
}

/* sub-pages */
.page-hero .wrap{display:flex;flex-direction:column;gap:20px;padding-block:64px 52px;max-width:1120px}
.page-hero .lede{font-size:1.2rem;color:var(--muted);max-width:38em}
.crumb{font-family:var(--mono);font-size:.78rem;letter-spacing:.08em;color:var(--muted)}
.crumb a{color:var(--muted)}
.cols{display:grid;grid-template-columns:repeat(3,1fr);gap:32px}
.cols div{display:flex;flex-direction:column;gap:8px;padding-top:18px;border-top:2px solid var(--green);min-width:0}
.cols p{color:var(--muted)}
.cols.two{grid-template-columns:repeat(2,1fr)}
.outlink{display:flex;justify-content:space-between;align-items:center;gap:20px;flex-wrap:wrap;border:1px solid var(--line);border-radius:4px;padding:22px 26px;background:var(--bg)}
.outlink p{color:var(--muted);max-width:40em}
.more{font-weight:600;text-decoration:none}
.more:hover{text-decoration:underline}
nav a[aria-current="page"]{color:var(--ink)}
.progs h3{font-family:var(--display);font-weight:600;font-size:1.15rem;margin:0}
@media (max-width: 900px){ .cols{grid-template-columns:1fr 1fr} }
@media (max-width: 640px){ .cols,.cols.two{grid-template-columns:1fr;gap:24px} .page-hero .wrap{padding-block:44px 36px} }

.contact small{font-family:var(--body);font-size:.72rem;letter-spacing:.12em;text-transform:uppercase;opacity:.75}
.contact span{margin-top:6px}