/* ==========================================================================
   DIVVY (now BILL Spend & Expense) — design system
   Domain: divvy-apply.com | Language: EN
   ========================================================================== */

:root {
  --orange: #F2600C;
  --orange-2: #FF8A3D;
  --orange-soft: #FFF1E6;
  --navy: #0A1B33;
  --navy-2: #10254A;
  --navy-3: #16305E;
  --ink: #1C2733;
  --slate: #51617A;
  --line: #E3E8F0;
  --paper: #FFFFFF;
  --bg: #F6F8FB;
  --green: #12A150;
  --radius: 16px;
  --radius-sm: 10px;
  --shadow-1: 0 1px 2px rgba(10, 27, 51, .06), 0 8px 24px rgba(10, 27, 51, .07);
  --shadow-2: 0 2px 4px rgba(10, 27, 51, .08), 0 20px 48px rgba(10, 27, 51, .16);
  --font: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  --container: 1160px;
  --header-h: 68px;
}

*, *::before, *::after { box-sizing: border-box; }

html { scroll-behavior: smooth; scroll-padding-top: calc(var(--header-h) + 16px); }

body {
  margin: 0;
  font-family: var(--font);
  color: var(--ink);
  background: var(--paper);
  font-size: 17px;
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}

img, svg { max-width: 100%; height: auto; display: block; }
a { color: var(--orange); text-decoration: none; }
a:hover { text-decoration: underline; }
h1, h2, h3, h4 { line-height: 1.2; color: var(--navy); margin: 0 0 .55em; font-weight: 800; letter-spacing: -.01em; }
h1 { font-size: clamp(2rem, 4.4vw, 3.1rem); }
h2 { font-size: clamp(1.5rem, 2.8vw, 2.1rem); }
h3 { font-size: 1.22rem; }
p { margin: 0 0 1em; }
ul { margin: 0 0 1em; padding-left: 1.25em; }
li { margin-bottom: .4em; }
strong { color: var(--navy); }

.container { width: min(var(--container), 100% - 40px); margin-inline: auto; }

.skip-link {
  position: absolute; left: -9999px; top: 0; z-index: 300;
  background: var(--navy); color: #fff; padding: 10px 18px; border-radius: 0 0 10px 0;
}
.skip-link:focus { left: 0; }

/* ---------- reading progress ---------- */
.progress-bar {
  position: fixed; top: 0; left: 0; height: 3px; width: 0;
  background: linear-gradient(90deg, var(--orange), var(--orange-2));
  z-index: 260;
}

/* ---------- header ---------- */
.site-header {
  position: sticky; top: 0; z-index: 250;
  background: rgba(255, 255, 255, .9);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--line);
  transition: box-shadow .25s ease;
}
.site-header.is-scrolled { box-shadow: var(--shadow-1); }
.header-inner {
  display: flex; align-items: center; gap: 28px; height: var(--header-h);
}
.brand { display: flex; align-items: center; gap: 10px; font-weight: 800; color: var(--navy); font-size: 1.25rem; letter-spacing: -.02em; }
.brand:hover { text-decoration: none; }
.brand-badge {
  width: 34px; height: 34px; border-radius: 9px; flex: 0 0 auto;
  background: linear-gradient(135deg, var(--orange-2), var(--orange));
  color: #fff; display: grid; place-items: center; font-size: 1.15rem; font-weight: 800;
  box-shadow: 0 4px 10px rgba(242, 96, 12, .35);
}
.brand small { font-size: .68rem; font-weight: 600; color: var(--slate); display: block; letter-spacing: .04em; }
.main-nav { margin-left: auto; }
.main-nav ul { display: flex; gap: 4px; list-style: none; margin: 0; padding: 0; }
.main-nav a {
  display: block; padding: 8px 13px; border-radius: 8px;
  color: var(--ink); font-weight: 600; font-size: .95rem;
}
.main-nav a:hover { background: var(--orange-soft); color: var(--orange); text-decoration: none; }
.main-nav a[aria-current="page"] { color: var(--orange); background: var(--orange-soft); }
.nav-toggle {
  display: none; margin-left: auto; width: 44px; height: 44px;
  border: 1px solid var(--line); border-radius: 10px; background: #fff; cursor: pointer;
  place-items: center;
}
.nav-toggle svg { width: 22px; height: 22px; }

@media (max-width: 900px) {
  .nav-toggle { display: grid; }
  .main-nav {
    position: fixed; inset: var(--header-h) 0 auto 0; margin-left: 0;
    background: #fff; border-bottom: 1px solid var(--line);
    box-shadow: var(--shadow-2);
    transform: translateY(-130%); transition: transform .3s ease;
  }
  .main-nav.open { transform: translateY(0); }
  .main-nav ul { flex-direction: column; padding: 12px 20px 18px; gap: 2px; }
  .main-nav a { padding: 12px 14px; }
}

/* ---------- breadcrumbs ---------- */
.breadcrumbs { padding: 18px 0 0; font-size: .85rem; color: var(--slate); }
.breadcrumbs ol { display: flex; flex-wrap: wrap; gap: 6px; list-style: none; margin: 0; padding: 0; }
.breadcrumbs li { margin: 0; display: flex; gap: 6px; align-items: center; }
.breadcrumbs li + li::before { content: ""; width: 14px; height: 14px; background: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%2351617A' stroke-width='2'%3E%3Cpath d='m9 6 6 6-6 6'/%3E%3C/svg%3E") center/contain no-repeat; }
.breadcrumbs a { color: var(--slate); }
.breadcrumbs [aria-current] { color: var(--navy); font-weight: 600; }

/* ---------- hero ---------- */
.hero {
  position: relative; overflow: hidden;
  background:
    radial-gradient(900px 480px at 85% -10%, rgba(242, 96, 12, .16), transparent 60%),
    radial-gradient(700px 420px at -10% 110%, rgba(16, 37, 74, .08), transparent 60%),
    linear-gradient(180deg, #FFF7F0, var(--paper));
}
.hero-grid {
  display: grid; grid-template-columns: 1.05fr .95fr; gap: 48px; align-items: center;
  padding: 72px 0 84px; min-height: 560px;
}
.hero-copy .eyebrow {
  display: inline-flex; align-items: center; gap: 8px;
  background: var(--orange-soft); color: var(--orange);
  font-weight: 700; font-size: .8rem; letter-spacing: .06em; text-transform: uppercase;
  padding: 7px 14px; border-radius: 999px; margin-bottom: 18px;
}
.hero-copy .eyebrow svg { width: 15px; height: 15px; }
.hero-copy p.lead { font-size: 1.13rem; color: var(--slate); max-width: 34em; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 14px; margin-top: 26px; }
.hero-meta { display: flex; flex-wrap: wrap; gap: 22px; margin-top: 30px; color: var(--slate); font-size: .88rem; font-weight: 600; }
.hero-meta span { display: inline-flex; align-items: center; gap: 8px; }
.hero-meta svg { width: 18px; height: 18px; color: var(--green); }

@media (max-width: 900px) {
  .hero-grid { grid-template-columns: 1fr; padding: 48px 0 56px; gap: 36px; }
}

/* ---------- buttons ---------- */
.btn {
  display: inline-flex; align-items: center; gap: 9px;
  padding: 13px 24px; border-radius: 12px; border: 2px solid transparent;
  font-weight: 700; font-size: .98rem; cursor: pointer; transition: transform .18s ease, box-shadow .18s ease, background .18s ease;
}
.btn:hover { text-decoration: none; transform: translateY(-2px); }
.btn svg { width: 17px; height: 17px; }
.btn-primary { background: linear-gradient(135deg, var(--orange-2), var(--orange)); color: #fff; box-shadow: 0 8px 22px rgba(242, 96, 12, .35); }
.btn-primary:hover { box-shadow: 0 12px 28px rgba(242, 96, 12, .45); }
.btn-dark { background: var(--navy); color: #fff; }
.btn-ghost { background: #fff; border-color: var(--line); color: var(--navy); }
.btn-ghost:hover { border-color: var(--orange); color: var(--orange); }
.btn-light { background: #fff; color: var(--orange); }

/* ---------- 3D stage / scene ---------- */
.stage { perspective: 1200px; perspective-origin: 60% 30%; }
.scene { transform-style: preserve-3d; will-change: transform; }
.layer { transform-style: preserve-3d; }
.float-card {
  position: absolute; border-radius: var(--radius);
  background: #fff; box-shadow: var(--shadow-2);
  transform-style: preserve-3d;
}

/* ---------- sections ---------- */
.section { padding: 84px 0; }
.section.alt { background: var(--bg); }
.section.dark {
  background:
    radial-gradient(800px 400px at 15% 0%, rgba(242, 96, 12, .14), transparent 55%),
    linear-gradient(160deg, var(--navy) 0%, var(--navy-2) 70%, var(--navy-3) 100%);
  color: #DDE6F4;
}
.section.dark h2, .section.dark h3 { color: #fff; }
.section.dark p { color: #B9C7DC; }
.section-head { max-width: 46em; margin-bottom: 44px; }
.section-head .kicker {
  display: inline-block; color: var(--orange); font-weight: 800; font-size: .8rem;
  letter-spacing: .1em; text-transform: uppercase; margin-bottom: 10px;
}
.section-head p { color: var(--slate); font-size: 1.05rem; }
.section.dark .section-head p { color: #B9C7DC; }

/* ---------- grids & cards ---------- */
.grid { display: grid; gap: 24px; }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: center; }
.split.rev > :first-child { order: 2; }
@media (max-width: 980px) {
  .grid-3, .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .split { grid-template-columns: 1fr; gap: 34px; }
  .split.rev > :first-child { order: 0; }
}
@media (max-width: 640px) {
  .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; }
}

.card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  padding: 28px; box-shadow: var(--shadow-1);
  transition: transform .3s ease, box-shadow .3s ease;
}
.card:hover { transform: translateY(-5px); box-shadow: var(--shadow-2); }
.card .icon-tile {
  width: 52px; height: 52px; border-radius: 14px; display: grid; place-items: center;
  background: var(--orange-soft); color: var(--orange); margin-bottom: 16px;
}
.card .icon-tile svg { width: 26px; height: 26px; }
.card h3 { margin-bottom: 8px; }
.card p { color: var(--slate); font-size: .97rem; margin: 0; }

.card-dark {
  background: rgba(255, 255, 255, .06); border: 1px solid rgba(255, 255, 255, .13);
  border-radius: var(--radius); padding: 28px;
}
.card-dark h3 { color: #fff; }
.card-dark p { color: #B9C7DC; font-size: .97rem; margin: 0; }
.card-dark .icon-tile { background: rgba(242, 96, 12, .2); color: var(--orange-2); width: 52px; height: 52px; border-radius: 14px; display: grid; place-items: center; margin-bottom: 16px; }
.card-dark .icon-tile svg { width: 26px; height: 26px; }

/* ---------- steps ---------- */
.steps { counter-reset: step; display: grid; gap: 22px; }
.step {
  position: relative; background: #fff; border: 1px solid var(--line);
  border-radius: var(--radius); padding: 26px 26px 26px 84px; box-shadow: var(--shadow-1);
}
.step::before {
  counter-increment: step; content: counter(step);
  position: absolute; left: 24px; top: 26px;
  width: 42px; height: 42px; border-radius: 12px; display: grid; place-items: center;
  background: linear-gradient(135deg, var(--orange-2), var(--orange));
  color: #fff; font-weight: 800; font-size: 1.15rem;
  box-shadow: 0 6px 14px rgba(242, 96, 12, .35);
}
.step h3 { margin-bottom: 6px; }
.step p { margin: 0; color: var(--slate); font-size: .97rem; }

/* ---------- FAQ ---------- */
.faq { display: grid; gap: 12px; max-width: 820px; }
.faq details {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius-sm);
  padding: 0; overflow: hidden;
}
.faq summary {
  cursor: pointer; list-style: none; font-weight: 700; color: var(--navy);
  padding: 18px 52px 18px 22px; position: relative; font-size: 1.02rem;
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after {
  content: ""; position: absolute; right: 20px; top: 50%; width: 18px; height: 18px;
  transform: translateY(-50%);
  background: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23F2600C' stroke-width='2.4' stroke-linecap='round'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E") center/contain no-repeat;
  transition: transform .25s ease;
}
.faq details[open] summary::after { transform: translateY(-50%) rotate(180deg); }
.faq .faq-body { padding: 0 22px 20px; color: var(--slate); font-size: .97rem; }

/* ---------- table ---------- */
.table-wrap { overflow-x: auto; border: 1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow-1); }
table { width: 100%; border-collapse: collapse; background: #fff; font-size: .95rem; }
th, td { text-align: left; padding: 14px 18px; border-bottom: 1px solid var(--line); }
th { background: var(--navy); color: #fff; font-size: .85rem; letter-spacing: .04em; text-transform: uppercase; }
tbody tr:last-child td { border-bottom: 0; }
tbody tr:nth-child(even) { background: #FAFBFD; }

/* ---------- callout / note ---------- */
.callout {
  display: flex; gap: 16px; align-items: flex-start;
  background: var(--orange-soft); border: 1px solid rgba(242, 96, 12, .25);
  border-radius: var(--radius); padding: 20px 24px; margin: 26px 0;
}
.callout svg { width: 26px; height: 26px; flex: 0 0 auto; color: var(--orange); margin-top: 2px; }
.callout p { margin: 0; color: #7A3D05; font-size: .97rem; }
.callout.info { background: #EEF4FF; border-color: rgba(16, 37, 74, .18); }
.callout.info svg { color: var(--navy-3); }
.callout.info p { color: var(--navy-2); }

/* ---------- figure / image frame ---------- */
.figure {
  border-radius: var(--radius); overflow: hidden; border: 1px solid var(--line);
  box-shadow: var(--shadow-2); background: #fff;
}
.figure img { width: 100%; }
.figure figcaption { padding: 12px 18px; font-size: .85rem; color: var(--slate); border-top: 1px solid var(--line); background: #FAFBFD; }

/* ---------- TOC ---------- */
.toc {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  padding: 22px 26px; box-shadow: var(--shadow-1); margin: 28px 0 8px;
}
.toc h2 { font-size: 1rem; margin-bottom: 12px; text-transform: uppercase; letter-spacing: .06em; }
.toc ol { margin: 0; padding-left: 1.2em; color: var(--slate); }
.toc li { margin-bottom: .35em; }

/* ---------- stats strip ---------- */
.stats { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.stat { text-align: center; padding: 26px 12px; border-radius: var(--radius); background: rgba(255,255,255,.05); border: 1px solid rgba(255,255,255,.12); }
.stat b { display: block; font-size: 2rem; color: #fff; letter-spacing: -.02em; }
.stat span { color: #B9C7DC; font-size: .9rem; }
@media (max-width: 800px) { .stats { grid-template-columns: repeat(2, 1fr); } }

/* ---------- CTA band ---------- */
.cta-band {
  border-radius: 24px; padding: 54px 48px;
  background:
    radial-gradient(600px 300px at 90% 0%, rgba(255, 255, 255, .22), transparent 60%),
    linear-gradient(135deg, var(--orange-2), var(--orange) 55%, #D94F04);
  color: #fff; display: flex; flex-wrap: wrap; gap: 28px; align-items: center; justify-content: space-between;
  box-shadow: 0 24px 50px rgba(242, 96, 12, .35);
}
.cta-band h2 { color: #fff; margin-bottom: 8px; }
.cta-band p { color: rgba(255, 255, 255, .92); margin: 0; max-width: 36em; }

/* ---------- footer ---------- */
.site-footer { background: var(--navy); color: #B9C7DC; margin-top: 90px; }
.footer-grid {
  display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 40px; padding: 64px 0 48px;
}
.site-footer h4 { color: #fff; font-size: .9rem; text-transform: uppercase; letter-spacing: .07em; margin-bottom: 14px; }
.site-footer ul { list-style: none; margin: 0; padding: 0; }
.site-footer li { margin-bottom: 9px; }
.site-footer a { color: #B9C7DC; font-size: .95rem; }
.site-footer a:hover { color: var(--orange-2); text-decoration: none; }
.footer-brand p { font-size: .92rem; max-width: 26em; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.12); padding: 22px 0; display: flex; flex-wrap: wrap; gap: 12px; justify-content: space-between; font-size: .85rem; color: #8FA2BF; }
@media (max-width: 900px) { .footer-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 560px) { .footer-grid { grid-template-columns: 1fr; } }

/* ==========================================================================
   3D SCROLL ANIMATION ENGINE (classes applied by JS)
   ========================================================================== */
[data-animate] {
  opacity: 0;
  transition: opacity .8s cubic-bezier(.22, .68, .3, 1), transform .8s cubic-bezier(.22, .68, .3, 1);
  will-change: transform, opacity;
}
[data-animate="fade-up"] { transform: translateY(46px); }
[data-animate="fade-down"] { transform: translateY(-46px); }
[data-animate="slide-left"] { transform: translateX(60px); }
[data-animate="slide-right"] { transform: translateX(-60px); }
[data-animate="zoom"] { transform: scale(.86); }
[data-animate="flip-x"] { transform: perspective(1100px) rotateX(-38deg) translateY(60px); transform-origin: center bottom; }
[data-animate="flip-y"] { transform: perspective(1100px) rotateY(38deg) translateX(40px); transform-origin: left center; }
[data-animate].in-view { opacity: 1; transform: none; }

/* stagger children */
.stagger > * { transition-delay: 0s; }
.stagger > *:nth-child(2) { transition-delay: .09s; }
.stagger > *:nth-child(3) { transition-delay: .18s; }
.stagger > *:nth-child(4) { transition-delay: .27s; }
.stagger > *:nth-child(5) { transition-delay: .36s; }
.stagger > *:nth-child(6) { transition-delay: .45s; }

/* continuous 3D scene driven by scroll position (JS sets --p) */
.scene-tilt { transform: rotateX(calc(var(--p, 0) * 26deg - 13deg)) rotateY(calc(var(--p, 0) * -18deg + 9deg)) translateZ(0); transition: transform .1s linear; }

/* floating hero card parallax layers */
.parallax { transform: translate3d(0, calc(var(--scroll-y, 0) * var(--speed, 0) * 1px), 0) translateZ(var(--z, 0)); will-change: transform; }

/* credit card flip on scroll */
.card3d-wrap { perspective: 1300px; }
.card3d { transform-style: preserve-3d; transform: rotateY(calc(var(--flip, 0) * 180deg)); transition: transform .15s linear; }
.card3d .face { backface-visibility: hidden; border-radius: 18px; overflow: hidden; box-shadow: var(--shadow-2); }
.card3d .face.back { position: absolute; inset: 0; transform: rotateY(180deg); }

/* orbiting chips in hero */
.chip3d {
  position: absolute; display: inline-flex; align-items: center; gap: 8px;
  background: #fff; border: 1px solid var(--line); border-radius: 999px;
  padding: 9px 16px; font-size: .85rem; font-weight: 700; color: var(--navy);
  box-shadow: var(--shadow-2); white-space: nowrap;
}
.chip3d svg { width: 16px; height: 16px; color: var(--orange); }

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  [data-animate] { opacity: 1 !important; transform: none !important; transition: none !important; }
  .scene-tilt, .card3d, .parallax { transform: none !important; transition: none !important; }
  * { animation-duration: .001s !important; }
}

/* ==========================================================================
   COOKIE BANNER
   ========================================================================== */
.cookie-banner {
  position: fixed; left: 16px; right: 16px; bottom: 16px; z-index: 400;
  max-width: 920px; margin-inline: auto;
  background: var(--navy); color: #DDE6F4; border-radius: 18px;
  box-shadow: 0 24px 60px rgba(10, 27, 51, .45);
  padding: 22px 26px; display: none;
  transform: translateY(20px); opacity: 0;
  transition: transform .35s ease, opacity .35s ease;
}
.cookie-banner.show { display: block; }
.cookie-banner.visible { transform: translateY(0); opacity: 1; }
.cookie-banner h3 { color: #fff; font-size: 1.05rem; margin-bottom: 6px; display: flex; align-items: center; gap: 10px; }
.cookie-banner h3 svg { width: 22px; height: 22px; color: var(--orange-2); }
.cookie-banner p { font-size: .9rem; color: #B9C7DC; margin: 0 0 16px; }
.cookie-banner p a { color: var(--orange-2); }
.cookie-actions { display: flex; flex-wrap: wrap; gap: 10px; }
.cookie-actions .btn { padding: 10px 18px; font-size: .9rem; }
.cookie-actions .btn-outline { background: transparent; border-color: rgba(255,255,255,.35); color: #fff; }
.cookie-actions .btn-outline:hover { border-color: #fff; }