/* NEW MONEY MANAGEMENT INC — Minimal black & white template */

:root{
  --bg:#fff;
  --fg:#0a0a0a;
  --muted:#3a3a3a;
  --line:#d9d9d9;
  --soft:#f6f6f6;
  --radius:16px;
  --wrap:1120px;
  --font: ui-sans-serif, system-ui, -apple-system, Segoe UI, Roboto, Helvetica, Arial;
  --mono: ui-monospace, SFMono-Regular, Menlo, Monaco, Consolas, "Liberation Mono", "Courier New", monospace;
}

*{ box-sizing:border-box; }
html{ scroll-behavior:smooth; }
body{
  margin:0;
  font-family:var(--font);
  color:var(--fg);
  background:var(--bg);
  line-height:1.55;
}
a{ color:inherit; }
a:hover{ text-decoration:underline; }
.wrap{
  width:min(var(--wrap), calc(100% - 40px));
  margin:0 auto;
}

.skip{
  position:absolute;
  left:12px;
  top:12px;
  padding:10px 12px;
  border:1px solid var(--line);
  border-radius:12px;
  background:var(--bg);
  transform:translateY(-200%);
  transition:transform .2s ease;
  z-index:9999;
}
.skip:focus{ transform:translateY(0); }

/* Header */
.header{
  position:sticky;
  top:0;
  background:rgba(255,255,255,.9);
  backdrop-filter:blur(10px);
  border-bottom:1px solid var(--line);
  z-index:50;
}
.header-row{
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:16px;
  padding:14px 0;
}
.brand{
  display:flex;
  align-items:center;
  gap:12px;
}
.brand-mark{
  width:34px;
  height:34px;
  border:1px solid var(--fg);
  border-radius:12px;
}
.brand-name{
  font-weight:750;
  letter-spacing:.4px;
  font-size:13px;
}
.brand-sub{
  font-size:12px;
  color:var(--muted);
}

.nav{
  display:flex;
  align-items:center;
  gap:14px;
}
.nav a{
  font-size:13px;
  color:var(--muted);
  text-decoration:none;
  padding:8px 10px;
  border-radius:12px;
}
.nav a:hover{
  background:var(--soft);
  color:var(--fg);
}
.cta{
  border:1px solid var(--fg);
  color:var(--bg) !important;
  background:var(--fg);
}
.cta:hover{ background:#111; }

.menu{
  display:none;
  width:44px;
  height:44px;
  border:1px solid var(--line);
  background:var(--bg);
  border-radius:12px;
  cursor:pointer;
  align-items:center;
  justify-content:center;
  gap:6px;
}
.menu span{
  width:18px;
  height:2px;
  background:var(--fg);
  display:block;
}
.mobile{
  border-top:1px solid var(--line);
  padding:10px 20px 16px;
  display:grid;
  gap:8px;
}
.mobile a{
  padding:10px 12px;
  border-radius:12px;
  text-decoration:none;
  color:var(--muted);
}
.mobile a:hover{
  background:var(--soft);
  color:var(--fg);
}

/* Buttons */
.btn{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  padding:12px 16px;
  border-radius:14px;
  border:1px solid var(--fg);
  background:var(--fg);
  color:var(--bg);
  font-weight:700;
  font-size:13px;
  letter-spacing:.2px;
  text-decoration:none;
}
.btn:hover{ text-decoration:none; background:#111; }
.btn-ghost{
  background:transparent;
  color:var(--fg);
  border-color:var(--line);
}
.btn-ghost:hover{ background:var(--soft); }
.btn-full{ width:100%; }

/* Hero */
.hero{ padding:54px 0 26px; }
.hero-grid{
  display:grid;
  grid-template-columns: 1.15fr .85fr;
  gap:22px;
  align-items:start;
}
.kicker{
  font-family:var(--mono);
  font-size:12px;
  color:var(--muted);
  margin:0 0 10px;
}
h1{
  margin:0 0 12px;
  font-size:clamp(34px, 4vw, 54px);
  line-height:1.06;
  letter-spacing:-.6px;
}
.lead{
  margin:0;
  color:var(--muted);
  font-size:16px;
  max-width:62ch;
}
.hero-actions{
  margin:18px 0 18px;
  display:flex;
  flex-wrap:wrap;
  gap:12px;
}
.facts{
  display:grid;
  grid-template-columns:repeat(3, minmax(0,1fr));
  gap:12px;
  margin-top:6px;
}
.fact{
  border:1px solid var(--line);
  border-radius:14px;
  padding:12px 12px;
}
.fact-top{ font-weight:750; }
.fact-sub{ color:var(--muted); font-size:12px; margin-top:6px; }

/* Panel / forms */
.panel{
  border:1px solid var(--line);
  border-radius:var(--radius);
  padding:18px;
}
.panel-head h2{ margin:0 0 6px; font-size:18px; }
.panel-head p{ margin:0 0 14px; color:var(--muted); font-size:13px; }

.form{ display:grid; gap:12px; }
.row{ display:grid; grid-template-columns:1fr 1fr; gap:12px; }
label span{
  display:block;
  font-size:12px;
  color:var(--muted);
  margin:0 0 6px;
}
input, select, textarea{
  width:100%;
  padding:12px 12px;
  border-radius:12px;
  border:1px solid var(--line);
  background:var(--bg);
  color:var(--fg);
  font-size:14px;
  outline:none;
}
input:focus, select:focus, textarea:focus{
  border-color:#999;
  box-shadow:0 0 0 4px rgba(0,0,0,.06);
}
.small{
  margin:0;
  font-size:12px;
  color:var(--muted);
}
.status{
  min-height:18px;
  font-size:12px;
  color:var(--muted);
}

/* Sections */
.section{ padding:56px 0; border-top:1px solid var(--line); }
.section.alt{ background:var(--soft); }
.section-head h2{ margin:0 0 6px; font-size:28px; letter-spacing:-.2px; }
.section-head p{ margin:0 0 18px; color:var(--muted); }

.grid{
  display:grid;
  grid-template-columns:repeat(2, minmax(0,1fr));
  gap:14px;
}
.card{
  border:1px solid var(--line);
  border-radius:var(--radius);
  padding:18px;
  background:var(--bg);
}
.card h3{ margin:0 0 8px; font-size:18px; }
.card p{ margin:0 0 12px; color:var(--muted); }
.card ul{ margin:0; padding-left:18px; color:var(--muted); }
.card li{ margin:6px 0; }

.steps{
  margin:0;
  padding:0;
  list-style:none;
  display:grid;
  grid-template-columns:repeat(4, minmax(0,1fr));
  gap:14px;
}
.steps li{
  border:1px solid var(--line);
  border-radius:var(--radius);
  padding:18px;
  background:var(--bg);
}
.step-n{
  font-family:var(--mono);
  font-size:12px;
  color:var(--muted);
  margin-bottom:10px;
}
.step-t{ font-weight:750; margin-bottom:6px; }
.step-d{ color:var(--muted); font-size:14px; }

/* Contact */
.contact{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:14px;
  align-items:start;
}
.contact-box{
  margin-top:14px;
  border:1px solid var(--line);
  border-radius:var(--radius);
  padding:14px 16px;
}
.line{ display:grid; grid-template-columns:120px 1fr; gap:10px; padding:10px 0; }
.line + .line{ border-top:1px solid var(--line); }
.label{ font-family:var(--mono); font-size:12px; color:var(--muted); }
.value{ font-size:14px; }
.fine{ margin-top:14px; color:var(--muted); font-size:12px; }
.muted{ color:var(--muted); }

/* Footer */
.footer{
  border-top:1px solid var(--line);
  padding:22px 0;
}
.footer-row{
  display:flex;
  justify-content:space-between;
  align-items:flex-start;
  gap:12px;
  flex-wrap:wrap;
}
.footer-brand{ font-weight:750; letter-spacing:.3px; }
.footer-meta{ margin-top:6px; display:flex; gap:10px; flex-wrap:wrap; color:var(--muted); font-size:13px; }

@media (max-width: 980px){
  .hero-grid{ grid-template-columns:1fr; }
  .facts{ grid-template-columns:1fr; }
  .grid{ grid-template-columns:1fr; }
  .steps{ grid-template-columns:repeat(2, minmax(0,1fr)); }
  .contact{ grid-template-columns:1fr; }
}
@media (max-width: 760px){
  .nav{ display:none; }
  .menu{ display:inline-flex; }
  .row{ grid-template-columns:1fr; }
  .steps{ grid-template-columns:1fr; }
}