/* ===== Vaultra Bank — template stylesheet =====
   Theme system: light is the default (:root). Adding data-theme="dark" on
   <html> switches to the dark palette. A few "brand band" surfaces (footer,
   services section, the hero stat tiles, the phone/card illustration) stay
   permanently dark/colored in both themes by design — common in fintech UI,
   and it cuts the amount of surface that needs to react to theme swaps. */
:root{
  /* ---- light (default) ---- */
  --bg:#f5f7fc; --bg-soft:#eef1f9;
  --surface:#ffffff; --surface-soft:rgba(61,90,219,.06); --surface-strong:rgba(61,90,219,.10);
  --line:#e1e6f2; --line-strong:#c9d2e6;
  --ink:#0b1220; --ink-soft:#5b6b8c;
  --header-bg:rgba(255,255,255,.72); --header-bg-scrolled:rgba(255,255,255,.9);
  --ghost-bg:rgba(11,18,32,.05); --ghost-border:rgba(11,18,32,.14); --ghost-hover:rgba(11,18,32,.09);

  /* accent hues used as TEXT/ICON on tinted pills — darkened for AA contrast on white */
  --blue-soft:#2f56e0; --teal:#0f8f73; --purple:#7c3aed; --amber:#b5750a; --green:#15803d;
  --blue:#3d5adb; /* solid-fill brand blue: same in both themes, always paired with white text */

  --font:'Plus Jakarta Sans',system-ui,-apple-system,sans-serif;
  --shadow:0 20px 44px -24px rgba(10,16,38,.16);
  --ease:cubic-bezier(.22,1,.36,1);
}
html[data-theme="dark"]{
  --bg:#0b1220; --bg-soft:#0d1730;
  --surface:#141f42; --surface-soft:rgba(255,255,255,.05); --surface-strong:rgba(255,255,255,.09);
  --line:#243256; --line-strong:#324268;
  --ink:#f6f8ff; --ink-soft:#8291bd;
  --header-bg:rgba(11,18,32,.7); --header-bg-scrolled:rgba(11,18,32,.92);
  --ghost-bg:rgba(255,255,255,.06); --ghost-border:rgba(255,255,255,.16); --ghost-hover:rgba(255,255,255,.1);

  --blue-soft:#5b8def; --teal:#22c1a0; --purple:#8b5cf6; --amber:#f5a524; --green:#33d17a;
  --shadow:0 20px 44px -24px rgba(10,16,38,.5);
}
*{box-sizing:border-box}
html{transition:background .25s ease}
body{margin:0;font-family:var(--font);color:var(--ink);background:var(--bg);line-height:1.6;-webkit-font-smoothing:antialiased;transition:background .25s ease,color .25s ease}
h1,h2,h3,h4{font-family:var(--font);font-weight:800;letter-spacing:-.02em;margin:0;color:var(--ink)}
p{margin:0;color:var(--ink-soft)}
a{text-decoration:none;color:inherit}
ul{list-style:none;margin:0;padding:0}
svg{display:block}
.mf_wrap{max-width:1180px;margin-inline:auto;padding-inline:24px}

/* ---- buttons ---- */
.mf_btn{display:inline-flex;align-items:center;gap:9px;font-weight:700;font-size:15px;padding:12px 22px;border-radius:11px;transition:transform .18s var(--ease),box-shadow .18s var(--ease),background .18s ease,border-color .18s ease}
.mf_btn svg{width:17px;height:17px}
.mf_btn_lg{padding:15px 26px;font-size:16px}
.mf_btn_primary{background:linear-gradient(180deg,#5b8def,var(--blue));color:#fff;box-shadow:0 14px 26px -12px rgba(61,90,219,.65)}
.mf_btn_primary:hover{transform:translateY(-2px);box-shadow:0 18px 32px -12px rgba(61,90,219,.75)}
.mf_btn_ghost{background:var(--ghost-bg);border:1px solid var(--ghost-border);color:var(--ink)}
.mf_btn_ghost:hover{background:var(--ghost-hover)}
.mf_link_btn{font-weight:600;font-size:15px;color:var(--ink);opacity:.85}
.mf_link_btn:hover{opacity:1}

/* ---- theme toggle ---- */
.mf_theme_toggle{width:38px;height:38px;border-radius:50%;border:1px solid var(--ghost-border);background:var(--ghost-bg);display:grid;place-items:center;cursor:pointer;color:var(--ink);flex:none;transition:background .18s ease,border-color .18s ease}
.mf_theme_toggle:hover{background:var(--ghost-hover)}
.mf_theme_toggle svg{width:18px;height:18px}
.mf_theme_toggle .mf_ic_moon{display:none}
html[data-theme="dark"] .mf_theme_toggle .mf_ic_sun{display:none}
html[data-theme="dark"] .mf_theme_toggle .mf_ic_moon{display:block}

/* ---- header ---- */
.mf_header{position:sticky;top:0;z-index:100;background:var(--header-bg);backdrop-filter:blur(14px) saturate(140%);border-bottom:1px solid transparent;transition:border-color .3s ease,background .3s ease}
.mf_header.is-scrolled{background:var(--header-bg-scrolled);border-color:var(--line)}
.mf_header_in{display:flex;align-items:center;gap:28px;height:76px}
.mf_logo{display:flex;align-items:center;gap:10px}
.mf_logo_mark{width:36px;height:36px;flex:none;border-radius:9px;box-shadow:var(--shadow)}
.mf_logo_text{font-weight:800;font-size:18px;display:flex;flex-direction:column;line-height:1.1;color:var(--ink)}
.mf_logo_text small{font-weight:500;font-size:10.5px;color:var(--ink-soft);letter-spacing:.02em}
.mf_nav{display:flex;align-items:center;gap:26px;margin-left:8px}
.mf_nav a{font-size:15px;font-weight:500;color:var(--ink-soft);display:flex;align-items:center;gap:5px}
.mf_nav a:hover{color:var(--ink)}
.mf_nav_drop svg{width:13px;height:13px}
.mf_header_actions{display:flex;align-items:center;gap:14px;margin-left:auto}
.mf_burger{display:none;flex-direction:column;gap:5px;background:none;border:0;cursor:pointer;padding:6px}
.mf_burger span{width:22px;height:2px;background:var(--ink);border-radius:2px;transition:transform .2s ease,opacity .2s ease}
.mf_burger.open span:nth-child(1){transform:translateY(7px) rotate(45deg)}
.mf_burger.open span:nth-child(2){opacity:0}
.mf_burger.open span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}

/* ---- hero ---- */
.mf_hero{position:relative;padding:70px 0 0;background:radial-gradient(120% 70% at 15% 0%,var(--bg-soft) 0%,var(--bg) 62%)}
.mf_hero_glow{position:absolute;inset:0;background:radial-gradient(50% 50% at 80% 20%,rgba(61,90,219,.16),transparent 65%);pointer-events:none}
html[data-theme="dark"] .mf_hero_glow{background:radial-gradient(50% 50% at 80% 20%,rgba(61,90,219,.25),transparent 65%)}
.mf_hero_in{position:relative;display:grid;grid-template-columns:1.05fr .95fr;align-items:center;gap:40px;padding-bottom:60px}
.mf_eyebrow{display:inline-block;font-size:13px;font-weight:700;color:var(--blue-soft);background:var(--surface-soft);border:1px solid rgba(91,141,239,.3);padding:7px 15px;border-radius:999px;margin-bottom:20px}
.mf_hero_copy h1{font-size:clamp(34px,4.6vw,54px);line-height:1.06;margin-bottom:18px}
.mf_hero_copy h1 span{color:var(--blue-soft)}
.mf_hero_copy p{font-size:17px;max-width:46ch;margin-bottom:30px}
.mf_hero_cta{display:flex;gap:14px;flex-wrap:wrap}
.mf_hero_art{position:relative}
.mf_hero_photo{position:relative;border-radius:24px;overflow:hidden;box-shadow:0 30px 60px -30px rgba(10,16,38,.4);aspect-ratio:5/6}
.mf_hero_photo img{width:100%;height:100%;object-fit:cover;display:block}
.mf_hero_photo::after{content:"";position:absolute;inset:0;background:linear-gradient(160deg,rgba(61,90,219,.14),transparent 55%);pointer-events:none}
/* floating "high-yield" badge, glassy, over the photo's lower-left */
.mf_hero_badge{position:absolute;left:-18px;bottom:34px;display:flex;align-items:center;gap:11px;
  background:var(--surface);border:1px solid var(--line);border-radius:14px;padding:12px 16px 12px 12px;
  box-shadow:0 18px 40px -18px rgba(10,16,38,.4)}
html[data-theme="dark"] .mf_hero_badge{background:#101a37;border-color:#2c3a63}
.mf_hero_badge_ic{width:38px;height:38px;border-radius:11px;background:rgba(21,128,61,.12);color:var(--green);display:grid;place-items:center;flex:none}
html[data-theme="dark"] .mf_hero_badge_ic{background:rgba(51,209,122,.16)}
.mf_hero_badge_ic svg{width:19px;height:19px}
.mf_hero_badge b{display:block;font-size:15px;font-weight:800;color:var(--ink);line-height:1.2}
.mf_hero_badge span{font-size:12px;color:var(--ink-soft)}

/* the stat row + phone/card mockup are an intentionally theme-invariant "brand
   band": a dark UI mockup floating on either page background reads fine, and
   it saves the illustration from needing two colorways. */
.mf_stat_row{position:relative;display:grid;grid-template-columns:repeat(3,1fr);gap:18px;transform:translateY(50%)}
.mf_stat{display:flex;align-items:center;gap:14px;padding:20px 22px;border-radius:16px;box-shadow:0 20px 44px -20px rgba(10,16,38,.35)}
.mf_stat_ic{width:42px;height:42px;border-radius:11px;background:rgba(255,255,255,.18);display:grid;place-items:center;flex:none}
.mf_stat_ic svg{width:20px;height:20px;color:#fff}
.mf_stat b{display:block;font-size:12px;font-weight:700;text-transform:uppercase;letter-spacing:.04em;color:#fff;opacity:.85}
.mf_stat span{font-size:16px;font-weight:700;color:#fff}
.mf_stat--blue{background:linear-gradient(135deg,#3d5adb,#2c3f9e)}
.mf_stat--teal{background:linear-gradient(135deg,#22c1a0,#17886b)}
.mf_stat--purple{background:linear-gradient(135deg,#8b5cf6,#5b34ad)}

/* ---- rates ---- */
.mf_rates{padding:150px 0 90px;background:var(--bg)}
.mf_head{max-width:640px;margin:0 auto 50px;text-align:center}
.mf_kicker{display:inline-block;font-size:13px;font-weight:700;color:var(--blue-soft);background:var(--surface-soft);border:1px solid rgba(91,141,239,.3);padding:7px 16px;border-radius:999px;margin-bottom:16px}
.mf_head h2{font-size:clamp(26px,3.4vw,38px);margin-bottom:12px}
.mf_head p{font-size:16px}
.mf_rate_grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.mf_rate_card{background:var(--surface);border:1px solid var(--line);border-radius:18px;padding:28px 22px;text-align:center;box-shadow:var(--shadow)}
.mf_rate_ic{width:46px;height:46px;border-radius:13px;display:grid;place-items:center;margin:0 auto 18px}
.mf_rate_ic svg{width:22px;height:22px}
.mf_rate_ic--blue{background:rgba(61,90,219,.12);color:var(--blue-soft)}
.mf_rate_ic--teal{background:rgba(15,143,115,.12);color:var(--teal)}
.mf_rate_ic--purple{background:rgba(124,58,237,.12);color:var(--purple)}
.mf_rate_ic--amber{background:rgba(181,117,10,.12);color:var(--amber)}
html[data-theme="dark"] .mf_rate_ic--blue{background:rgba(61,90,219,.16)}
html[data-theme="dark"] .mf_rate_ic--teal{background:rgba(34,193,160,.16)}
html[data-theme="dark"] .mf_rate_ic--purple{background:rgba(139,92,246,.16)}
html[data-theme="dark"] .mf_rate_ic--amber{background:rgba(245,165,36,.16)}
.mf_rate_num{display:block;font-size:34px;font-weight:800;color:var(--ink)}
.mf_rate_num small{font-size:18px;font-weight:700;color:var(--ink-soft)}
.mf_rate_lbl{display:block;font-size:11.5px;font-weight:700;text-transform:uppercase;letter-spacing:.06em;color:var(--ink-soft);margin-bottom:14px}
.mf_rate_card h4{font-size:16px;margin-bottom:6px}
.mf_rate_card p{font-size:13px;margin-bottom:16px}
.mf_tag{display:inline-block;font-size:11.5px;font-weight:700;padding:5px 12px;border-radius:999px}
.mf_tag--blue{background:rgba(61,90,219,.14);color:var(--blue-soft)}
.mf_tag--teal{background:rgba(15,143,115,.14);color:var(--teal)}
.mf_tag--purple{background:rgba(124,58,237,.14);color:var(--purple)}
.mf_tag--amber{background:rgba(181,117,10,.14);color:var(--amber)}
html[data-theme="dark"] .mf_tag--blue{background:rgba(61,90,219,.18)}
html[data-theme="dark"] .mf_tag--teal{background:rgba(34,193,160,.18)}
html[data-theme="dark"] .mf_tag--purple{background:rgba(139,92,246,.18)}
html[data-theme="dark"] .mf_tag--amber{background:rgba(245,165,36,.18)}
.mf_fine{text-align:center;font-size:12.5px;margin-top:30px;color:var(--ink-soft)}

/* ---- services: a permanent brand-blue band, unaffected by theme ---- */
.mf_services{padding:90px 0;background:linear-gradient(180deg,#274690 0%,#1a3563 50%,#12213f 100%)}
.mf_services .mf_head p,
.mf_services .mf_head h2{color:#fff}
.mf_kicker--onblue{background:rgba(255,255,255,.14);border-color:rgba(255,255,255,.24);color:#fff}
.mf_svc_grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.mf_svc_card{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.14);border-radius:18px;padding:30px;transition:transform .2s var(--ease),background .2s ease}
.mf_svc_card:hover{transform:translateY(-4px);background:rgba(255,255,255,.1)}
.mf_svc_ic{width:48px;height:48px;border-radius:13px;background:rgba(255,255,255,.16);display:grid;place-items:center;margin-bottom:18px}
.mf_svc_ic svg{width:23px;height:23px;color:#fff}
.mf_svc_card h3{font-size:18px;margin-bottom:8px;color:#fff}
.mf_svc_card p{font-size:14.5px;color:rgba(255,255,255,.72)}

/* ---- promo split ---- */
.mf_promo{padding:100px 0;background:var(--bg)}
.mf_promo_in{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.mf_promo_art{position:relative;border-radius:20px;overflow:hidden;box-shadow:0 26px 54px -28px rgba(10,16,38,.38);aspect-ratio:5/4}
.mf_promo_art img{width:100%;height:100%;object-fit:cover;display:block}
.mf_pill{display:inline-flex;align-items:center;gap:7px;font-size:13.5px;font-weight:700;padding:8px 16px;border-radius:999px;background:var(--surface-soft);border:1px solid rgba(91,141,239,.3);color:var(--blue-soft);margin-bottom:20px}
.mf_pill--green{background:rgba(21,128,61,.1);border-color:rgba(21,128,61,.28);color:var(--green)}
html[data-theme="dark"] .mf_pill--green{background:rgba(51,209,122,.14);border-color:rgba(51,209,122,.32)}
.mf_promo_copy h2{font-size:clamp(28px,3.6vw,40px);line-height:1.12;margin-bottom:16px}
.mf_promo_copy h2 span{color:var(--green)}
.mf_promo_copy>p{font-size:16px;max-width:48ch;margin-bottom:22px}
.mf_check_list{margin-bottom:28px;display:flex;flex-direction:column;gap:12px}
.mf_check_list li{display:flex;align-items:center;gap:10px;font-size:15px;color:var(--ink)}
.mf_check_list svg{width:18px;height:18px;color:var(--green);flex:none}

/* ---- about ---- */
.mf_about{padding:100px 0;background:var(--bg-soft)}
.mf_about_in{display:grid;grid-template-columns:1.05fr .95fr;gap:56px;align-items:center}
.mf_about_copy h2{font-size:clamp(28px,3.6vw,40px);margin-bottom:16px}
.mf_about_copy h2 span{color:var(--blue-soft)}
.mf_about_copy>p{font-size:16px;max-width:52ch;margin-bottom:32px}
.mf_about_feats{display:flex;flex-direction:column;gap:20px}
.mf_about_feat{display:flex;gap:16px;align-items:flex-start}
.mf_about_ic{width:40px;height:40px;border-radius:11px;display:grid;place-items:center;flex:none}
.mf_about_ic svg{width:19px;height:19px}
.mf_about_ic--blue{background:rgba(61,90,219,.12);color:var(--blue-soft)}
.mf_about_ic--teal{background:rgba(15,143,115,.12);color:var(--teal)}
.mf_about_ic--purple{background:rgba(124,58,237,.12);color:var(--purple)}
html[data-theme="dark"] .mf_about_ic--blue{background:rgba(61,90,219,.16)}
html[data-theme="dark"] .mf_about_ic--teal{background:rgba(34,193,160,.16)}
html[data-theme="dark"] .mf_about_ic--purple{background:rgba(139,92,246,.16)}
.mf_about_feat b{display:block;font-size:15.5px;margin-bottom:4px;color:var(--ink)}
.mf_about_feat p{font-size:14px}

.mf_collage{position:relative;display:grid;grid-template-columns:1fr 1fr;gap:16px;height:400px}
.mf_collage_ph{border-radius:16px;display:block;overflow:hidden}
.mf_collage_ph img{width:100%;height:100%;object-fit:cover;display:block}
.mf_collage_ph--1{grid-row:1/2;background:linear-gradient(150deg,#2c3f9e,#1a2860);align-self:end;height:65%}
.mf_collage_ph--2{grid-row:1/3;background:linear-gradient(150deg,#22c1a0,#12634f)}
.mf_collage_ph--3{grid-row:2/3;background:linear-gradient(150deg,#8b5cf6,#4a2f8f);height:70%}

/* ---- testimonials ---- */
.mf_quotes{padding:90px 0;background:var(--bg)}
.mf_quotes_h{text-align:center;font-size:clamp(24px,3vw,32px);margin-bottom:40px}
.mf_quote_grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.mf_quote_card{background:var(--surface);border:1px solid var(--line);border-radius:16px;padding:26px;box-shadow:var(--shadow)}
.mf_stars{color:var(--amber);letter-spacing:2px;margin-bottom:14px;font-size:15px}
.mf_quote_card p{color:var(--ink);font-style:italic;font-size:15px;margin-bottom:20px;line-height:1.6}
.mf_quote_who{display:flex;align-items:center;gap:12px}
.mf_avatar{width:38px;height:38px;border-radius:50%;background:linear-gradient(160deg,#5b8def,var(--blue));display:grid;place-items:center;font-weight:700;font-size:15px;flex:none;color:#fff;overflow:hidden}
.mf_avatar img{width:100%;height:100%;object-fit:cover}
.mf_quote_who b{display:block;font-size:14px;color:var(--ink)}
.mf_quote_who small{font-size:12.5px;color:var(--ink-soft)}

/* ---- contact strip ---- */
.mf_contact{padding:64px 0;background:var(--bg);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.mf_contact_grid{display:grid;grid-template-columns:repeat(4,1fr);gap:28px}
.mf_contact_item{display:flex;flex-direction:column;gap:10px}
.mf_contact_ic{width:44px;height:44px;border-radius:12px;background:rgba(61,90,219,.12);color:var(--blue-soft);display:grid;place-items:center}
html[data-theme="dark"] .mf_contact_ic{background:rgba(61,90,219,.16)}
.mf_contact_ic svg{width:20px;height:20px}
.mf_contact_item b{font-size:15px;color:var(--ink)}
.mf_contact_item span{font-size:13.5px;color:var(--ink-soft);line-height:1.5}

/* ---- footer: permanent dark band, unaffected by theme (common in fintech) ---- */
.mf_footer{background:#0a0f20;padding-top:64px}
.mf_footer_top{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:40px;padding-bottom:48px}
.mf_logo--footer{margin-bottom:16px}
.mf_logo--footer .mf_logo_text{color:#fff}
.mf_footer_brand p{font-size:14px;max-width:34ch;margin-bottom:20px;color:#9aa8cf}
.mf_socials{display:flex;gap:10px}
.mf_socials a{width:36px;height:36px;border-radius:50%;background:rgba(255,255,255,.08);display:grid;place-items:center;color:#fff}
.mf_socials svg{width:16px;height:16px}
.mf_socials a:hover{background:rgba(255,255,255,.16)}
.mf_footer_col h5{font-size:13px;text-transform:uppercase;letter-spacing:.05em;color:#fff;margin-bottom:18px}
.mf_footer_col a{display:block;font-size:14px;color:#9aa8cf;margin-bottom:12px}
.mf_footer_col a:hover{color:#fff}
.mf_footer_bottom{display:flex;align-items:center;justify-content:space-between;flex-wrap:wrap;gap:12px;padding:24px 0;border-top:1px solid #243256;font-size:13px;color:#9aa8cf}
.mf_footer_legal{display:flex;gap:20px}
.mf_footer_legal a:hover{color:#fff}

/* the mobile CTAs inside the nav drawer are hidden until the menu goes mobile */
.mf_nav_mobile_cta{display:none}

/* ============================ RESPONSIVE ============================ */

/* ---- Tablet / small laptop (<=1080px): 4-up grids relax, hero tightens ---- */
@media(max-width:1080px){
  .mf_rate_grid{grid-template-columns:repeat(2,1fr)}
  .mf_contact_grid{grid-template-columns:repeat(2,1fr)}
  .mf_svc_grid{grid-template-columns:repeat(2,1fr)}
  .mf_hero_in{gap:32px}
  .mf_promo_in,.mf_about_in{gap:40px}
}

/* ---- Tablet portrait / mobile menu kicks in (<=900px) ---- */
@media(max-width:900px){
  /* header: hide inline desktop nav + login/open-account, show burger + menu */
  .mf_nav{position:absolute;top:100%;left:0;right:0;flex-direction:column;align-items:stretch;gap:0;margin:0;
    background:var(--surface);border-bottom:1px solid var(--line);
    box-shadow:0 24px 40px -24px rgba(10,16,38,.3);
    padding:8px 20px 20px;
    max-height:0;overflow:hidden;visibility:hidden;opacity:0;
    transition:max-height .3s var(--ease),opacity .25s ease,visibility .25s ease}
  html[data-theme="dark"] .mf_nav{background:#0e1730;border-color:var(--line)}
  .mf_nav.open{max-height:80vh;overflow:auto;visibility:visible;opacity:1}
  .mf_nav>a,.mf_nav_drop>a{padding:14px 4px;font-size:16px;border-bottom:1px solid var(--line)}
  .mf_nav_drop{width:100%}
  .mf_header_actions .mf_link_btn,
  .mf_header_actions>.mf_btn_primary{display:none}
  .mf_burger{display:flex}
  .mf_nav_mobile_cta{display:grid;gap:10px;margin-top:16px}
  .mf_nav_mobile_cta .mf_btn{width:100%;justify-content:center}

  /* hero -> single column, art below copy */
  .mf_hero{padding-top:48px}
  .mf_hero_in{grid-template-columns:1fr;text-align:center;padding-bottom:48px}
  .mf_hero_copy p{margin-inline:auto}
  .mf_hero_cta{justify-content:center}
  .mf_hero_art{max-width:420px;margin:8px auto 0;order:2}
  .mf_hero_badge{left:16px}
  .mf_stat_row{grid-template-columns:1fr;transform:none;margin-top:32px}
  .mf_rates{padding-top:70px}

  /* stacked two-column sections */
  .mf_promo_in,.mf_about_in{grid-template-columns:1fr;gap:36px}
  .mf_promo_art{order:2;max-width:520px;margin-inline:auto;width:100%}
  .mf_about .mf_collage{order:2}
  .mf_quote_grid{grid-template-columns:1fr;max-width:480px;margin-inline:auto}
  .mf_footer_top{grid-template-columns:1fr 1fr;gap:32px}
  .mf_footer_brand{grid-column:1/-1}

  /* trim the big desktop section padding */
  .mf_services,.mf_promo,.mf_about,.mf_quotes{padding:72px 0}
}

/* ---- Phone (<=600px) ---- */
@media(max-width:600px){
  .mf_wrap{padding-inline:18px}
  .mf_header_in{gap:14px;height:66px}
  .mf_logo_text small{display:none}
  .mf_rate_grid,.mf_svc_grid,.mf_contact_grid{grid-template-columns:1fr}
  .mf_footer_top{grid-template-columns:1fr;gap:28px}
  .mf_footer_bottom{flex-direction:column;align-items:flex-start;text-align:left}
  .mf_hero_cta{flex-direction:column;align-items:stretch;max-width:340px;margin-inline:auto}
  .mf_hero_cta .mf_btn{width:100%;justify-content:center}
  .mf_collage{height:auto;grid-template-columns:1fr 1fr;gap:12px}
  .mf_collage_ph--1,.mf_collage_ph--3{height:auto;aspect-ratio:4/5;align-self:auto}
  .mf_collage_ph--2{grid-row:auto;aspect-ratio:3/4}
  .mf_promo_copy .mf_btn,.mf_promo_copy .mf_btn_lg{width:100%;justify-content:center}
  .mf_services,.mf_promo,.mf_about,.mf_quotes{padding:60px 0}
  .mf_hero_badge{left:12px;bottom:16px;padding:10px 14px 10px 10px}
  .mf_hero_badge_ic{width:32px;height:32px}
}

/* ---- Small phone (<=380px): avoid any overflow on the narrowest devices ---- */
@media(max-width:380px){
  .mf_logo_text{font-size:16px}
  .mf_head h2,.mf_promo_copy h2,.mf_about_copy h2{font-size:26px}
  .mf_hero_copy h1{font-size:32px}
}

@media(prefers-reduced-motion:reduce){
  html,body,.mf_btn,.mf_svc_card,.mf_theme_toggle,.mf_nav{transition:none}
}

/* ============================ INNER PAGES ============================ */
/* page hero (About / Services / Contact) */
.mf_page_hero{position:relative;padding:64px 0 56px;text-align:center;background:radial-gradient(120% 80% at 50% 0%,var(--bg-soft) 0%,var(--bg) 60%)}
.mf_page_hero .mf_kicker{margin-bottom:16px}
.mf_page_hero h1{font-size:clamp(30px,4.4vw,48px);line-height:1.08;margin:0 auto 14px;max-width:16ch}
.mf_page_hero p{font-size:clamp(15px,2vw,17px);max-width:60ch;margin:0 auto}
.mf_crumb{display:flex;justify-content:center;flex-wrap:wrap;gap:8px;align-items:center;font-size:13px;color:var(--ink-soft);margin-bottom:18px}
.mf_crumb a{color:var(--blue-soft);font-weight:600}
.mf_crumb span{opacity:.5}

/* generic section wrapper for inner pages */
.mf_sec{padding:72px 0}
.mf_sec--soft{background:var(--bg-soft)}

/* services: detail rows (alternating image/copy) */
.mf_srow{display:grid;grid-template-columns:1fr 1fr;gap:52px;align-items:center;max-width:1080px;margin:0 auto}
.mf_srow+.mf_srow{margin-top:64px}
.mf_srow_media{border-radius:20px;overflow:hidden;aspect-ratio:4/3;box-shadow:0 26px 54px -28px rgba(10,16,38,.34)}
.mf_srow_media img{width:100%;height:100%;object-fit:cover;display:block}
.mf_srow--rev .mf_srow_media{order:2}
.mf_srow h2{font-size:clamp(24px,3vw,32px);margin-bottom:8px}
.mf_srow .mf_kicker{margin-bottom:14px}
.mf_srow p{font-size:15.5px;margin-bottom:18px}
.mf_srow_list{display:flex;flex-direction:column;gap:11px;margin-bottom:24px}
.mf_srow_list li{display:flex;align-items:center;gap:10px;font-size:15px;color:var(--ink)}
.mf_srow_list svg{width:18px;height:18px;color:var(--green);flex:none}

/* about: stats band */
.mf_stats_band{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;max-width:1000px;margin:0 auto}
.mf_stat_big{text-align:center}
.mf_stat_big b{display:block;font-size:clamp(32px,4vw,44px);font-weight:800;color:var(--blue-soft);line-height:1}
.mf_stat_big span{font-size:14px;color:var(--ink-soft)}

/* value cards reuse .mf_svc_card look but on page bg */
.mf_val_grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;max-width:1080px;margin:0 auto}
.mf_val_card{background:var(--surface);border:1px solid var(--line);border-radius:18px;padding:28px;box-shadow:var(--shadow)}
.mf_val_ic{width:46px;height:46px;border-radius:13px;background:rgba(61,90,219,.12);color:var(--blue-soft);display:grid;place-items:center;margin-bottom:16px}
html[data-theme="dark"] .mf_val_ic{background:rgba(61,90,219,.16)}
.mf_val_ic svg{width:22px;height:22px}
.mf_val_card h3{font-size:18px;margin-bottom:7px}
.mf_val_card p{font-size:14.5px}

/* contact page */
.mf_contact_wrap{display:grid;grid-template-columns:1fr 1.2fr;gap:48px;max-width:1080px;margin:0 auto;align-items:start}
.mf_contact_cards{display:flex;flex-direction:column;gap:16px}
.mf_ccard{display:flex;gap:14px;align-items:flex-start;background:var(--surface);border:1px solid var(--line);border-radius:14px;padding:20px;box-shadow:var(--shadow)}
.mf_ccard .mf_contact_ic{flex:none}
.mf_ccard b{display:block;font-size:15px;color:var(--ink);margin-bottom:3px}
.mf_ccard span{font-size:13.5px;color:var(--ink-soft);line-height:1.5}
.mf_form{background:var(--surface);border:1px solid var(--line);border-radius:18px;padding:clamp(24px,3vw,34px);box-shadow:var(--shadow)}
.mf_form h2{font-size:22px;margin-bottom:6px}
.mf_form>p{font-size:14.5px;margin-bottom:22px}
.mf_field{margin-bottom:16px}
.mf_field label{display:block;font-size:13.5px;font-weight:600;color:var(--ink);margin-bottom:6px}
.mf_field input,.mf_field textarea,.mf_field select{width:100%;font-family:inherit;font-size:15px;color:var(--ink);background:var(--bg);border:1px solid var(--line-strong);border-radius:11px;padding:12px 14px;transition:border-color .16s ease,box-shadow .16s ease}
.mf_field input:focus,.mf_field textarea:focus,.mf_field select:focus{outline:none;border-color:var(--blue-soft);box-shadow:0 0 0 3px rgba(61,90,219,.14)}
.mf_field textarea{min-height:120px;resize:vertical}
.mf_field_row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.mf_form .mf_btn{width:100%;justify-content:center;margin-top:6px}
.mf_map{border-radius:18px;overflow:hidden;border:1px solid var(--line);height:260px;background:var(--bg-soft);display:grid;place-items:center;color:var(--ink-soft);font-size:14px}

@media(max-width:900px){
  .mf_srow{grid-template-columns:1fr;gap:28px}
  .mf_srow--rev .mf_srow_media{order:0}
  .mf_stats_band{grid-template-columns:repeat(2,1fr);gap:28px 16px}
  .mf_val_grid{grid-template-columns:1fr 1fr}
  .mf_contact_wrap{grid-template-columns:1fr;gap:28px}
}
@media(max-width:600px){
  .mf_val_grid{grid-template-columns:1fr}
  .mf_field_row{grid-template-columns:1fr}
  .mf_sec,.mf_page_hero{padding-left:0;padding-right:0}
}

/* ---- service detail: how-it-works steps ---- */
.mf_steps{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;max-width:1000px;margin:0 auto;counter-reset:step}
.mf_step{position:relative;background:var(--surface);border:1px solid var(--line);border-radius:18px;padding:30px 26px;box-shadow:var(--shadow)}
.mf_step_n{width:40px;height:40px;border-radius:12px;background:linear-gradient(160deg,#5b8def,var(--blue));color:#fff;display:grid;place-items:center;font-weight:800;font-size:17px;margin-bottom:16px}
.mf_step h3{font-size:17px;margin-bottom:7px}
.mf_step p{font-size:14.5px}
@media(max-width:900px){ .mf_steps{grid-template-columns:1fr;max-width:520px} }

/* ---- inner-page mobile refinements ---- */
@media(max-width:600px){
  .mf_page_hero{padding:44px 0 40px}
  .mf_page_hero h1{font-size:clamp(25px,7vw,32px)}
  .mf_page_hero p{font-size:15px}
  .mf_crumb{flex-wrap:wrap;justify-content:center}
  /* hero + CTA-band button rows: full-width, stacked (they already flex-wrap inline) */
  .mf_page_hero .mf_btn,
  .mf_services .mf_btn{width:100%;justify-content:center;max-width:340px}
  .mf_srow h2{font-size:24px}
  .mf_srow_media{aspect-ratio:16/11}
  .mf_stats_band{gap:24px 14px}
  .mf_stat_big b{font-size:34px}
  .mf_step{padding:24px 22px}
}