/* Z Tax — light, calm, professional theme */
/* No frameworks, static-friendly */

:root{
  /* Base colors */
  --bg: #f4f6f8;          /* page background */
  --panel: #ffffff;      /* cards, panels */
  --panel2: #fafbfc;     /* subtle sections */

  --text: #0f172a;       /* slate-900 */
  --muted: #475569;      /* slate-600 */
  --faint: #64748b;      /* slate-500 */

  --line: #e5e7eb;       /* gray-200 */
  --shadow: 0 12px 30px rgba(0,0,0,.08);

  /* Buttons */
  --btn: #eef2f7;
  --btn2: #e5e7eb;
  --btnHover: #dde3ea;

  --primary: #0f172a;    /* dark slate */
  --primaryText: #ffffff;

  --radius: 16px;
  --radius2: 22px;
  --max: 1100px;
}

*{ box-sizing:border-box; }
html{ scroll-behavior: smooth; }
html,body{ height:100%; }

body{
  margin:0;
  font-family: ui-sans-serif, system-ui, -apple-system, Segoe UI, Roboto, Arial;
  color: var(--text);
  line-height:1.55;
  background: #f4f6f8;
  position: relative;
}

/* GLOBAL BACKGROUND IMAGE */
body::before{
  content:"";
  position: fixed;
  inset: 0;

  background:
    linear-gradient(
      rgba(255,255,255,0.78),
      rgba(255,255,255,0.88)
    ),
    url("/bg.jpg");

  background-size: cover;
  background-position: center center;
  background-repeat: no-repeat;

  z-index: 0;
  pointer-events: none;
}

.site-header,
main,
.site-footer{
  position: relative;
  z-index: 1;
}


.site-header,
main,
.site-footer{
  position: relative;
  z-index: 1;
}

/* Links */
a{ color:inherit; text-decoration:none; }
a:hover{ text-decoration:none; }

/* Layout */
.container{
  width: min(var(--max), calc(100% - 40px));
  margin: 0 auto;
}

section{ scroll-margin-top: 90px; }

/* Skip link */
.skip{
  position:absolute;
  left:-999px;
  top:auto;
  width:1px; height:1px;
  overflow:hidden;
}
.skip:focus{
  left:14px; top:14px;
  width:auto; height:auto;
  padding:10px 12px;
  background:#ffffff;
  border:1px solid var(--line);
  border-radius:12px;
  z-index:9999;
}

/* Header */
.site-header{
  position: sticky;
  top:0;
  z-index: 50;
  background: rgba(255,255,255,.92);
  backdrop-filter: blur(8px);
  border-bottom: 1px solid var(--line);
}

.header-inner{
  display:flex;
  align-items:center;
  justify-content:space-between;
  padding: 16px 0;
  gap: 18px;
}

.brand{ display:flex; align-items:center; gap:12px; }

.brand-mark{
  width: 44px; height: 44px;
  border-radius: 14px;
  display:grid; place-items:center;
  background: #ffffff;
  border: 1px solid var(--line);
  box-shadow: var(--shadow);
  font-weight: 800;
}

.brand-name{ font-weight: 800; }
.brand-sub{ font-size: 12px; color: var(--muted); margin-top:2px; }

.nav{
  display:flex;
  align-items:center;
  gap: 14px;
  flex-wrap: wrap;
}

.nav a{
  padding: 10px 12px;
  border-radius: 12px;
  color: var(--muted);
}
.nav a:hover{
  background: #f1f5f9;
  color: var(--text);
}

/* Buttons */
.btn{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  gap:10px;
  padding: 12px 14px;
  border-radius: 14px;
  border: 1px solid var(--line);
  background: var(--btn);
  color: var(--text);
  font-weight: 600;
}

.btn:hover{ background: var(--btnHover); }

.btn-ghost{
  background: transparent;
}
.btn-ghost:hover{
  background: #f1f5f9;
}

.btn-secondary{
  background: var(--btn2);
}

.btn-primary{
  background: var(--primary);
  color: var(--primaryText);
  border-color: var(--primary);
}
.btn-primary:hover{
  opacity: .92;
}

.btn-block{ width:100%; }

/* HERO */
.hero{
  position:relative;
  padding: 56px 0 36px;
  background: transparent;
}

.hero-inner{
  display:grid;
  grid-template-columns: 1.25fr .85fr;
  gap: 28px;
  align-items: start;
}

.badge{
  display:inline-flex;
  align-items:center;
  gap:8px;
  padding: 8px 12px;
  border-radius: 999px;
  border: 1px solid var(--line);
  background: #ffffff;
  color: var(--muted);
  font-size: 12px;
}

.hero-copy h1{
  margin: 14px 0 10px;
  font-size: clamp(30px, 4.2vw, 48px);
  line-height: 1.08;
  letter-spacing: -0.02em;
}

.lead{
  margin: 0 0 18px;
  color: var(--muted);
  font-size: 16px;
  max-width: 60ch;
}

.cta-row{
  display:flex;
  gap: 12px;
  flex-wrap: wrap;
  margin: 14px 0 18px;
}

/* Trust row */
.trust-row{
  display:grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 12px;
  margin-top: 10px;
}

.trust-item{
  border: 1px solid var(--line);
  background: #ffffff;
  border-radius: 14px;
  padding: 12px;
}

.trust-kicker{
  font-size: 11px;
  letter-spacing: .06em;
  text-transform: uppercase;
  color: var(--faint);
}

.trust-val{
  margin-top: 4px;
  font-size: 13px;
}

/* Cards */
.card,
.panel,
.callout,
.mini{
  background: #ffffff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
}

.hero-card .card{
  border-radius: var(--radius2);
}

.card-head{ padding: 18px 18px 10px; }
.card-title{ font-weight: 800; font-size: 16px; }
.card-sub{ color: var(--muted); font-size: 13px; margin-top:4px; }

/* Steps */
.steps{
  list-style:none;
  margin: 0;
  padding: 0 18px 10px;
  display:grid;
  gap: 12px;
}

.steps li{
  display:flex;
  gap: 12px;
  border-top: 1px solid var(--line);
  padding-top: 12px;
}

.step-num{
  width: 30px; height: 30px;
  border-radius: 12px;
  display:grid; place-items:center;
  background: #f1f5f9;
  border: 1px solid var(--line);
  font-weight: 800;
}

.step-title{ font-weight: 700; }
.step-desc{ color: var(--muted); font-size: 13px; }

.card-foot{
  padding: 14px 18px 18px;
  border-top: 1px solid var(--line);
  display:grid;
  gap: 10px;
}

.micro{
  color: var(--faint);
  font-size: 12px;
}

/* Sections */
.section{ padding: 44px 0; }

.section-muted{
  background: var(--panel2);
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
}

.section-head{
  margin-bottom: 18px;
  max-width: 72ch;
}

.section-head h2{
  margin: 0 0 8px;
  font-size: 24px;
}

.section-head p{
  margin: 0;
  color: var(--muted);
}

/* Grids */
.grid-3{
  display:grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 14px;
}

.grid-2{
  display:grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 14px;
}

.panel{ padding: 16px; }
.panel h3{ margin: 0 0 8px; font-size: 16px; }
.panel p{ margin: 0 0 10px; color: var(--muted); }

/* Lists */
.bullets{
  margin: 0;
  padding-left: 18px;
  color: var(--muted);
}
.bullets li{ margin: 6px 0; }

/* Split */
.split{
  display:grid;
  grid-template-columns: 1.2fr .8fr;
  gap: 18px;
}

/* Mini cards */
.mini-cards{
  display:grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 12px;
  margin-top: 14px;
}

.mini{
  padding: 14px;
}

.mini-top{
  color: var(--faint);
  font-size: 12px;
  text-transform: uppercase;
  letter-spacing: .06em;
}

.mini-big{
  font-weight: 800;
  font-size: 20px;
  margin: 6px 0 2px;
}

.mini-sub{
  color: var(--muted);
  font-size: 13px;
}

/* Callout */
.callout{
  padding: 18px;
  border-radius: var(--radius2);
}

.callout h3{ margin: 0 0 8px; font-size: 16px; }
.callout p{ margin: 0 0 12px; color: var(--muted); }

/* Fine print */
.fineprint{
  margin-top: 14px;
  padding: 14px 16px;
  border: 1px dashed var(--line);
  border-radius: 14px;
  color: var(--faint);
  background: #ffffff;
}
.fineprint strong{ color: var(--text); }

/* CTA */
.cta{ padding: 36px 0 52px; }

.cta-inner{
  border: 1px solid var(--line);
  border-radius: var(--radius2);
  background: #ffffff;
  padding: 18px;
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap: 14px;
}

.cta-inner h2{ margin: 0 0 6px; font-size: 20px; }
.cta-inner p{ margin: 0; color: var(--muted); }

.cta-actions{
  display:flex;
  gap: 10px;
  flex-wrap: wrap;
}

/* Footer */
.site-footer{
  border-top: 1px solid var(--line);
  background: #ffffff;
}

.footer-inner{
  padding: 18px 0;
  display:flex;
  align-items:flex-start;
  justify-content:space-between;
  gap: 14px;
  flex-wrap: wrap;
}

.footer-brand{ font-weight: 800; }
.footer-sub{ color: var(--muted); font-size: 13px; margin-top: 4px; }
.footer-lines{ color: var(--faint); font-size: 12px; line-height: 1.6; }

/* Responsive */
@media (max-width: 920px){
  .hero-inner{ grid-template-columns: 1fr; }
  .split{ grid-template-columns: 1fr; }
  .mini-cards{ grid-template-columns: 1fr; }
  .grid-3{ grid-template-columns: 1fr; }
  .grid-2{ grid-template-columns: 1fr; }
  .trust-row{ grid-template-columns: 1fr; }
  .cta-inner{ flex-direction: column; align-items:flex-start; }
}