/* ============ Trade Credit / iwocaPay — light finance page ============ */
/* Uses only the tokens declared in css/style.css. White + light surfaces only. */

.fin-main { background: var(--paper); }
.fin-anchor { scroll-margin-top: 118px; }

/* ---------- Hero ---------- */
.fin-hero {
  padding: 170px 0 clamp(54px, 7vw, 88px);
  background:
    radial-gradient(68% 58% at 90% 0%, rgba(var(--pink-soft-rgb), .10) 0%, transparent 62%),
    radial-gradient(54% 50% at 0% 100%, rgba(76, 159, 19, .07) 0%, transparent 58%),
    var(--paper);
}
.fin-hero-inner {
  display: grid; grid-template-columns: 1.05fr .95fr;
  gap: clamp(34px, 5vw, 74px); align-items: center;
}
/* keep the iwoca brand name in its own lower-case lock-up inside the eyebrow */
.fin-brand { text-transform: none; letter-spacing: .02em; font-size: 1.02em; }
.fin-title {
  font-family: var(--font-display); font-weight: 400;
  font-size: clamp(2.2rem, 5vw, 3.6rem);
  line-height: 1.08; letter-spacing: -.015em;
  margin-bottom: 18px; text-wrap: balance;
}
.fin-title em { font-style: normal; color: var(--pink-deep); }
.fin-lede {
  color: var(--muted); font-size: clamp(1rem, 1.5vw, 1.14rem);
  line-height: 1.75; max-width: 32em;
}
.fin-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 28px; }
.fin-small { margin-top: 16px; font-size: .8rem; color: var(--muted); }
.fin-chips { display: flex; flex-wrap: wrap; gap: 8px; margin-top: 26px; }
.fin-chip {
  display: inline-flex; align-items: center; gap: 7px;
  font-size: .8rem; font-weight: 600; color: var(--ink);
  background: #fff; border: 1px solid var(--border);
  border-radius: 999px; padding: .55em 1.05em;
}
.fin-chip svg { width: 14px; height: 14px; flex: none; color: var(--leaf-deep); }

/* ---------- Hero panel ---------- */
.fin-panel {
  background: #fff; border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: clamp(24px, 3vw, 34px);
  box-shadow: 0 30px 70px -30px rgba(23, 10, 17, .18);
}
.fin-panel-head {
  display: flex; align-items: center; justify-content: space-between; gap: 14px;
  padding-bottom: 18px; border-bottom: 1px solid var(--border);
}
.fin-panel-head img { height: 21px; width: auto; display: block; }
.fin-panel-tag {
  font-size: .66rem; font-weight: 800; letter-spacing: .14em;
  text-transform: uppercase; color: var(--muted-light);
}
.fin-panel-label {
  display: block; margin-top: 24px;
  font-size: .76rem; font-weight: 700; letter-spacing: .14em;
  text-transform: uppercase; color: var(--muted);
}
.fin-amount {
  display: block; margin-top: 6px;
  font-family: var(--font-display); font-weight: 400;
  font-size: clamp(2.5rem, 6vw, 3.5rem); line-height: 1; color: var(--ink);
}
.fin-rows { margin-top: 24px; display: grid; gap: 10px; }
.fin-row {
  display: flex; align-items: center; justify-content: space-between; gap: 14px;
  background: var(--paper-2); border-radius: 14px; padding: 14px 16px;
}
.fin-row span { font-weight: 600; font-size: .94rem; }
.fin-free {
  font-style: normal; font-size: .68rem; font-weight: 800;
  letter-spacing: .08em; text-transform: uppercase;
  color: #fff; background: var(--leaf-deep);
  border-radius: 999px; padding: .45em .85em; white-space: nowrap;
}
.fin-panel-note { margin-top: 18px; font-size: .82rem; color: var(--muted); line-height: 1.6; }

/* ---------- Section shell ---------- */
.fin-sec { padding: clamp(60px, 8vw, 104px) 0; }
.fin-sec-alt { background: var(--paper-2); }
.fin-sec-cream { background: var(--cream); }
.fin-head { max-width: 640px; margin-bottom: clamp(30px, 4vw, 48px); }
.fin-h2 {
  font-family: var(--font-display); font-weight: 400;
  font-size: clamp(1.8rem, 3.4vw, 2.7rem); line-height: 1.12;
  letter-spacing: -.01em; margin-bottom: 12px; text-wrap: balance;
}
.fin-sub { color: var(--muted); font-size: clamp(.96rem, 1.3vw, 1.06rem); line-height: 1.7; }

/* ---------- Steps ---------- */
.fin-steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.fin-step {
  background: #fff; border: 1px solid var(--border);
  border-radius: var(--radius); padding: 26px 24px 28px;
}
.fin-step-num {
  width: 38px; height: 38px; border-radius: 50%;
  display: grid; place-items: center; margin-bottom: 16px;
  font-weight: 800; font-size: .9rem;
  color: var(--leaf-deep); background: rgba(76, 159, 19, .12);
}
.fin-step h3 { font-size: 1.05rem; font-weight: 700; margin-bottom: 7px; }
.fin-step p { color: var(--muted); font-size: .92rem; line-height: 1.65; }

/* ---------- Terms cards ---------- */
.fin-terms { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.fin-term {
  position: relative; background: #fff;
  border: 1px solid var(--border); border-radius: var(--radius);
  padding: clamp(26px, 3vw, 38px);
  transition: transform .3s var(--ease-out), box-shadow .3s, border-color .3s;
}
.fin-term:hover {
  transform: translateY(-6px); border-color: rgba(var(--pink-rgb), .35);
  box-shadow: 0 30px 60px -26px rgba(var(--pink-rgb), .26);
}
.fin-term .fin-free { position: absolute; top: 24px; right: 24px; }
.fin-term-kicker {
  font-size: .72rem; font-weight: 800; letter-spacing: .16em;
  text-transform: uppercase; color: var(--muted-light);
}
.fin-term h3 {
  font-family: var(--font-display); font-weight: 400;
  font-size: clamp(1.55rem, 2.6vw, 2.05rem);
  line-height: 1.15; margin: 12px 0 10px; padding-right: 96px;
}
.fin-term p { color: var(--muted); font-size: .97rem; line-height: 1.7; }
.fin-term-meta {
  margin-top: 18px; padding-top: 16px; border-top: 1px solid var(--border);
  font-size: .86rem; font-weight: 600; color: var(--leaf-deep);
}
.fin-note {
  margin-top: 22px; padding: 20px 24px;
  background: var(--pink-wash); border-radius: var(--radius);
  color: #4A3E45; font-size: .95rem; line-height: 1.75;
}
.fin-note strong { color: var(--ink); }

/* ---------- iwoca banner ---------- */
.fin-banner { padding: clamp(38px, 5vw, 60px) 0; background: var(--paper); }
.fin-banner-link {
  display: block; max-width: 970px; margin-inline: auto;
  border-radius: 18px; overflow: hidden;
  box-shadow: 0 22px 48px -24px rgba(23, 10, 17, .3);
  transition: transform .3s var(--ease-out), box-shadow .3s;
}
.fin-banner-link:hover { transform: translateY(-3px); box-shadow: 0 28px 56px -22px rgba(23, 10, 17, .36); }
.fin-banner-link img { width: 100%; height: auto; display: block; }

/* ---------- Good to know ---------- */
.fin-facts { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.fin-fact { border-top: 2px solid var(--pink); padding-top: 16px; }
.fin-fact h4 { font-size: .98rem; font-weight: 700; margin-bottom: 6px; }
.fin-fact p { color: var(--muted); font-size: .9rem; line-height: 1.65; }

/* ---------- FAQ ---------- */
.fin-faq-list { max-width: 880px; }
.fin-faq-list details { border-bottom: 1px solid var(--border); }
.fin-faq-list summary {
  cursor: pointer; list-style: none; position: relative;
  font-weight: 700; font-size: 1.02rem; color: var(--ink);
  padding: 20px 40px 20px 0;
}
.fin-faq-list summary::-webkit-details-marker { display: none; }
.fin-faq-list summary::after {
  content: "+"; position: absolute; right: 6px; top: 50%;
  transform: translateY(-50%); font-size: 1.5rem; font-weight: 400;
  color: var(--pink-deep); line-height: 1;
}
.fin-faq-list details[open] summary::after { content: "\2212"; }
.fin-faq-list summary:focus-visible { outline: 2px solid var(--pink-deep); outline-offset: 3px; border-radius: 6px; }
.fin-faq-list details p { padding: 0 40px 22px 0; color: var(--muted); line-height: 1.8; font-size: .97rem; }

/* ---------- Closing CTA ---------- */
.fin-cta { padding: clamp(60px, 8vw, 104px) 0; background: var(--paper); }
.fin-cta-card {
  text-align: center;
  padding: clamp(36px, 5vw, 68px) clamp(24px, 4vw, 56px);
  border: 1px solid var(--border); border-radius: var(--radius-lg);
  box-shadow: 0 30px 70px -32px rgba(23, 10, 17, .18);
  background:
    radial-gradient(80% 100% at 88% 0%, rgba(var(--pink-soft-rgb), .10) 0%, transparent 55%),
    radial-gradient(60% 80% at 0% 100%, rgba(253, 210, 7, .10) 0%, transparent 52%),
    #fff;
}
.fin-cta-card .fin-h2 { margin-inline: auto; }
.fin-cta-card .fin-sub { max-width: 560px; margin: 0 auto; }
.fin-cta-card .fin-actions { justify-content: center; }
.fin-cta-card .fin-small { text-align: center; }

/* ---------- Responsive ---------- */
@media (max-width: 1024px) {
  .fin-steps { grid-template-columns: repeat(2, 1fr); }
  .fin-facts { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 1050px) {
  .fin-terms { grid-template-columns: 1fr; }
}
@media (max-width: 900px) {
  .fin-hero { padding-top: 150px; }
  .fin-hero-inner { grid-template-columns: 1fr; }
  .fin-terms { grid-template-columns: 1fr; }
}
@media (max-width: 640px) {
  .fin-steps, .fin-facts { grid-template-columns: 1fr; }
  .fin-actions .btn { width: 100%; justify-content: center; }
  .fin-term h3 { padding-right: 0; margin-top: 0; }
  /* In flow below 640px: absolute positioning collided with .fin-term-kicker. */
  .fin-term .fin-free { position: static; display: inline-flex; margin-bottom: 12px; }
}

/* ---------- Reduced motion ---------- */
@media (prefers-reduced-motion: reduce) {
  .fin-term, .fin-banner-link { transition: none; }
  .fin-term:hover, .fin-banner-link:hover { transform: none; }
}

/* Pay Now is not credit, so it must not wear the interest-free badge. */
.fin-free.fin-free-now { background: var(--ink); }