/* =========================================================
   FETCHMONIE PERSONAL — HOME PAGE
   Professional Fintech Design System
   Desktop | Tablet | Mobile
   Flat Shadows | Compact Spacing | Responsive Layout
   ========================================================= */

/* =========================================================
   01. DESIGN TOKENS AND FOUNDATION
   ========================================================= */

:root {
    --fm-primary: #004840;
    --fm-primary-hover: #006054;
    --fm-green: #008f80;
    --fm-green-light: #eaf6f2;
    --fm-orange: #e87819;

    --fm-text: #17231f;
    --fm-text-secondary: #53635d;
    --fm-text-muted: #78857f;

    --fm-background: #ffffff;
    --fm-surface: #f7faf9;
    --fm-border: #e4ebe8;
    --fm-border-strong: #d4e1dc;

    --fm-shadow-sm: 0 1px 3px rgba(16, 36, 30, 0.05);
    --fm-shadow-card: 0 2px 8px rgba(16, 36, 30, 0.055);
    --fm-shadow-hover: 0 4px 12px rgba(16, 36, 30, 0.075);

    --fm-radius-sm: 6px;
    --fm-radius-md: 10px;
    --fm-radius-lg: 14px;
    --fm-radius-xl: 18px;

    --fm-content-width: 1200px;
    --fm-section-space: 76px;
    --fm-grid-gap: 18px;
}

.flex1 {
    display: flex;
}

.fm-hero *,
.fm-services *,
.fm-growth-section *,
.fm-faq-section *,
.fm-testimonials * {
    box-sizing: border-box;
}

.fm-hero img,
.fm-services img,
.fm-growth-section img,
.fm-faq-section img,
.fm-testimonials img {
    max-width: 100%;
}

.fm-hero a,
.fm-services a,
.fm-growth-section a,
.fm-faq-section a,
.fm-testimonials a {
    -webkit-tap-highlight-color: transparent;
}

.fm-hero button,
.fm-services button,
.fm-growth-section button,
.fm-faq-section button,
.fm-testimonials button {
    font-family: inherit;
}

/* =========================================================
   02. HERO SECTION
   ========================================================= */

.fm-hero {
    position: relative;
    isolation: isolate;
    overflow: hidden;

    min-height: 0;
    padding: clamp(48px, 6vw, 76px) 0 clamp(42px, 5vw, 64px);

    background:
        radial-gradient(circle at 5% 10%,
            rgba(0, 143, 128, 0.055),
            transparent 30%),
        linear-gradient(135deg, #ffffff 0%, #f8fbf9 100%);
}

.fm-hero__glow {
    position: absolute;
    z-index: -1;

    border-radius: 50%;
    pointer-events: none;
    filter: blur(24px);
}

.fm-hero__glow--green {
    top: -170px;
    left: -150px;
    width: 350px;
    height: 350px;
    background: rgba(0, 143, 128, 0.06);
}

.fm-hero__glow--orange {
    right: -130px;
    bottom: -150px;
    width: 300px;
    height: 300px;
    background: rgba(232, 120, 25, 0.045);
}

.fm-hero__content {
    position: relative;
    z-index: 5;
    width: 100%;
    max-width: 620px;
    margin: 0;
}

/* Introductory label */

.fm-hero__eyebrow {
    display: inline-flex;
    align-items: center;
    gap: 8px;

    min-height: 34px;
    margin: 0 0 19px;
    padding: 5px 12px 5px 6px;

    color: var(--fm-primary);
    background: var(--fm-green-light);
    border: 1px solid #d9ebe4;
    border-radius: 30px;

    font-size: 12px;
    font-weight: 700;
    line-height: 1.3;

    box-shadow: none;
}

.fm-hero__eyebrow-icon {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    flex: 0 0 24px;

    width: 24px;
    height: 24px;

    color: #ffffff;
    background: var(--fm-primary);
    border-radius: 50%;

    font-size: 10px;
}

/* Hero heading */

.fm-hero__title {
    max-width: 650px;
    margin: 0 0 18px;

    color: var(--fm-text);

    font-size: clamp(40px, 4.6vw, 64px);
    font-weight: 800;
    line-height: 1.04;
    letter-spacing: -2.2px;
    overflow-wrap: break-word;
}

.fm-hero__title-accent {
    position: relative;
    display: inline-block;

    color: var(--fm-primary);
}

.fm-hero__title-accent::after {
    position: absolute;
    right: 0;
    bottom: 0;
    left: 0;
    z-index: -1;

    height: 5px;

    content: "";
    background: rgba(232, 120, 25, 0.3);
    border-radius: 3px;
}

/* Hero description */

.fm-hero__description {
    max-width: 490px;
    margin: 0 0 23px;

    color: var(--fm-text-secondary);

    font-size: 16px;
    font-weight: 400;
    line-height: 1.7;
    letter-spacing: 0;
    text-align: left;
    overflow-wrap: break-word;
}

/* Hero actions */

.fm-hero__actions {
    display: flex;
    flex-direction: column;
    align-items: flex-start;
    gap: 13px;

    margin: 0 0 23px;
}

.fm-hero__primary-btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 9px;

    min-height: 48px;
    padding: 12px 20px;

    color: #ffffff;
    background: var(--fm-primary);
    border: 1px solid var(--fm-primary);
    border-radius: var(--fm-radius-md);

    font-size: 14px;
    font-weight: 700;
    line-height: 1.3;
    text-decoration: none;
    text-align: center;

    box-shadow: var(--fm-shadow-sm);
    transition: background-color 0.18s ease, border-color 0.18s ease;
}

.fm-hero__primary-btn:hover {
    color: #ffffff;
    background: var(--fm-primary-hover);
    border-color: var(--fm-primary-hover);
    box-shadow: var(--fm-shadow-sm);
}

.fm-hero__primary-btn:focus-visible {
    outline: 2px solid var(--fm-green);
    outline-offset: 3px;
}

/* App store buttons */

.fm-hero__store-buttons {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 8px;

    width: 100%;
    max-width: 400px;
}

.fm-store-button {
    display: flex;
    align-items: center;
    justify-content: flex-start;
    gap: 9px;

    min-width: 0;
    min-height: 54px;
    padding: 8px 11px;

    color: #ffffff;
    background: #171a19;
    border: 1px solid #303633;
    border-radius: 8px;

    text-decoration: none;
    overflow: hidden;

    box-shadow: none;
    transition: background-color 0.18s ease, border-color 0.18s ease;
}

.fm-store-button:hover {
    color: #ffffff;
    background: #252a28;
    border-color: #515b56;
    box-shadow: none;
}

.fm-store-button:focus-visible {
    outline: 2px solid var(--fm-green);
    outline-offset: 3px;
}

.fm-store-button__icon {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    flex: 0 0 29px;

    width: 29px;
    height: 29px;

    color: #ffffff;
    font-size: 25px;
}

.fm-store-button--apple .fm-store-button__icon {
    font-size: 28px;
}

.fm-store-button__text {
    display: flex;
    flex-direction: column;
    align-items: flex-start;
    gap: 3px;

    min-width: 0;
    line-height: 1.1;
}

.fm-store-button__text small {
    color: #d5dcd8;
    font-size: 9px;
    font-weight: 500;
    letter-spacing: 0;
    white-space: nowrap;
}

.fm-store-button__text strong {
    color: #ffffff;
    font-size: 15px;
    font-weight: 650;
    letter-spacing: -0.2px;
    white-space: nowrap;
}

/* Trust indicators */

.fm-hero__trust {
    display: flex;
    align-items: center;
    flex-wrap: wrap;
    gap: 13px;

    margin: 0 0 20px;
}

.fm-hero__avatars {
    display: flex;
    align-items: center;
    padding-left: 8px;
}

.fm-hero__avatars img,
.fm-hero__avatar-count {
    flex: 0 0 39px;

    width: 39px;
    height: 39px;
    margin-left: -8px;

    background: #edf4f0;
    border: 2px solid #ffffff;
    border-radius: 50%;

    object-fit: cover;
    box-shadow: none;
}

.fm-hero__avatars img:first-child {
    margin-left: 0;
}

.fm-hero__avatar-count {
    display: inline-flex;
    align-items: center;
    justify-content: center;

    color: #ffffff;
    background: var(--fm-primary);

    font-size: 11px;
    font-weight: 750;
}

.fm-hero__review-content {
    display: flex;
    flex-direction: column;
    gap: 3px;
}

.fm-hero__stars {
    display: flex;
    align-items: center;
    gap: 3px;

    margin: 0;
    color: var(--fm-orange);
    font-size: 12px;
}

.fm-hero__review-content strong {
    color: var(--fm-text);
    font-size: 13px;
    font-weight: 750;
}

.fm-hero__review-content span {
    color: var(--fm-text-muted);
    font-size: 11px;
    line-height: 1.4;
}

.fm-hero__benefits {
    display: flex;
    align-items: center;
    flex-wrap: wrap;
    gap: 10px 16px;
}

.fm-hero__benefit {
    display: inline-flex;
    align-items: center;
    gap: 6px;

    color: var(--fm-text-secondary);

    font-size: 12px;
    font-weight: 600;
    line-height: 1.5;
}

.fm-hero__benefit i {
    color: var(--fm-green);
    font-size: 13px;
}

/* Hero artwork */

.fm-hero__visual {
    position: relative;

    display: flex;
    align-items: flex-end;
    justify-content: center;

    width: 100%;
    min-width: 0;
    min-height: 500px;
}

.fm-hero__visual-background {
    position: absolute;
    top: 50%;
    left: 50%;

    width: 88%;
    height: 82%;

    background: #f0f7f3;
    border: 1px solid #e5efe9;
    border-radius: 42% 58% 48% 52% / 48% 44% 56% 52%;

    box-shadow: none;
    transform: translate(-50%, -50%) rotate(-2deg);
}

.fm-hero__visual-ring {
    position: absolute;
    top: 50%;
    left: 50%;

    width: 75%;
    aspect-ratio: 1;

    border: 1px dashed #cbded5;
    border-radius: 50%;

    transform: translate(-50%, -50%);
}

.fm-hero__image-wrapper {
    position: relative;
    z-index: 2;

    display: flex;
    align-items: flex-end;
    justify-content: center;

    width: 100%;
    max-width: 500px;
    height: 500px;
}

.fm-hero__image {
    display: block;

    width: 100%;
    max-width: 440px;
    max-height: 500px;
    height: auto;

    object-fit: contain;
    object-position: center bottom;

    filter: drop-shadow(0 5px 8px rgba(16, 36, 30, 0.08));
}

/* Floating transaction cards */

.fm-hero__floating-card {
    position: absolute;
    z-index: 5;

    display: flex;
    align-items: center;
    gap: 9px;

    min-width: 190px;
    max-width: 225px;
    padding: 11px 12px;

    background: #ffffff;
    border: 1px solid var(--fm-border);
    border-radius: 11px;

    box-shadow: var(--fm-shadow-card);
    backdrop-filter: none;
}

.fm-hero__floating-card--airtime {
    top: 55px;
    left: 0;
}

.fm-hero__floating-card--bills {
    right: 0;
    bottom: 75px;
}

.fm-hero__floating-icon {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    flex: 0 0 36px;

    width: 36px;
    height: 36px;

    border-radius: 8px;
    font-size: 15px;
}

.fm-hero__floating-icon--green {
    color: var(--fm-primary);
    background: #e9f5f0;
}

.fm-hero__floating-icon--orange {
    color: #b85a0d;
    background: #fff2e7;
}

.fm-hero__floating-card div {
    display: flex;
    flex: 1;
    flex-direction: column;
    gap: 3px;
    min-width: 0;
}

.fm-hero__floating-card small {
    color: var(--fm-text-muted);
    font-size: 10px;
    font-weight: 600;
}

.fm-hero__floating-card strong {
    color: var(--fm-text);
    font-size: 12px;
    font-weight: 750;
    line-height: 1.4;
    overflow-wrap: anywhere;
}

.fm-hero__status-dot {
    flex: 0 0 8px;

    width: 8px;
    height: 8px;

    background: #16834c;
    border-radius: 50%;
}

.fm-hero__success-icon {
    color: #16834c;
    font-size: 16px;
}

/* Cashback card */

.fm-hero__cashback-card {
    position: absolute;
    z-index: 4;
    top: 40px;
    right: 12px;

    display: flex;
    flex-direction: column;
    gap: 4px;

    width: 150px;
    padding: 13px;

    color: #ffffff;
    background: var(--fm-orange);
    border: 1px solid #d96c13;
    border-radius: 11px;

    box-shadow: var(--fm-shadow-card);
    transform: none;
}

.fm-hero__cashback-label {
    margin: 0;
    font-size: 10px;
    font-weight: 650;
}

.fm-hero__cashback-card strong {
    margin: 0;
    font-size: 26px;
    font-weight: 800;
    line-height: 1.1;
}

.fm-hero__cashback-note {
    font-size: 10px;
    line-height: 1.4;
}

/* Security badge */

.fm-hero__security-badge {
    position: absolute;
    z-index: 5;
    bottom: 25px;
    left: 35px;

    display: flex;
    align-items: center;
    gap: 9px;

    padding: 10px 12px;

    background: #ffffff;
    border: 1px solid var(--fm-border);
    border-radius: 10px;

    box-shadow: var(--fm-shadow-card);
}

.fm-hero__security-badge>span {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    flex: 0 0 32px;

    width: 32px;
    height: 32px;

    color: #ffffff;
    background: var(--fm-primary);
    border-radius: 7px;
}

.fm-hero__security-badge div {
    display: flex;
    flex-direction: column;
    gap: 3px;
}

.fm-hero__security-badge strong {
    color: var(--fm-text);
    font-size: 11px;
    font-weight: 750;
}

.fm-hero__security-badge small {
    color: var(--fm-text-muted);
    font-size: 9px;
}

/* =========================================================
   03. SERVICES SECTION
   ========================================================= */

.fm-services {
    position: relative;
    padding: var(--fm-section-space) 0;
    background: #ffffff;
}

.fm-services-header {
    max-width: 760px;
    margin: 0 auto 36px;
    text-align: center;
}

.fm-section-badge {
    display: inline-flex;
    align-items: center;
    justify-content: center;

    margin: 0 0 13px;
    padding: 6px 11px;

    color: var(--fm-primary);
    background: var(--fm-green-light);
    border: 1px solid #dbece5;
    border-radius: 5px;

    font-size: 11px;
    font-weight: 750;
    line-height: 1.4;
    letter-spacing: 0.25px;
}

.fm-services-header h2,
.fm-faq-header h2,
.fm-testimonial-header h2 {
    margin: 0 0 13px;

    color: var(--fm-text);

    font-size: clamp(29px, 3.5vw, 43px);
    font-weight: 800;
    line-height: 1.13;
    letter-spacing: -1.2px;
}

.fm-services-header h2 span,
.fm-faq-header h2 span,
.fm-testimonial-header h2 span {
    color: var(--fm-primary);
}

.fm-services-header p,
.fm-faq-header p,
.fm-testimonial-header p {
    max-width: 620px;
    margin: 0 auto;

    color: var(--fm-text-secondary);

    font-size: 15px;
    line-height: 1.7;
}

/* Services grid */

.fm-services .row {
    justify-content: center;
}

/* Service cards */

.fm-service-card {
    position: relative;

    display: flex;
    flex-direction: column;
    align-items: center;

    height: 100%;
    padding: 25px 20px;

    background: #ffffff;
    border: 1px solid var(--fm-border);
    border-radius: var(--fm-radius-lg);

    text-align: center;
    box-shadow: var(--fm-shadow-sm);

    transition: border-color 0.18s ease, box-shadow 0.18s ease;
}

.fm-service-card:hover {
    border-color: #c5ded4;
    box-shadow: var(--fm-shadow-hover);
    transform: none;
}

.fm-service-card::before {
    display: none;
    content: none;
}

.fm-service-icon {
    display: flex;
    align-items: center;
    justify-content: center;

    width: 50px;
    height: 50px;
    margin: 0 0 17px;

    border-radius: 11px;
    font-size: 21px;
}

.fm-service-icon.green {
    color: var(--fm-primary);
    background: var(--fm-green-light);
}

.fm-service-icon.orange {
    color: #b85a0d;
    background: #fff2e7;
}

.fm-service-card h3 {
    margin: 0 0 9px;

    color: var(--fm-text);

    font-size: 18px;
    font-weight: 750;
    line-height: 1.35;
    letter-spacing: -0.25px;
}

.fm-service-card p {
    max-width: 330px;
    margin: 0 auto;

    color: var(--fm-text-secondary);

    font-size: 13px;
    line-height: 1.65;
}

/* =========================================================
   04. GROWTH AND REFERRAL SECTION
   ========================================================= */

.fm-growth-section {
    position: relative;
    padding: var(--fm-section-space) 0;
    background: var(--fm-surface);
}

.fm-referral-box {
    padding: clamp(25px, 4vw, 44px);

    background: #ffffff;
    border: 1px solid var(--fm-border);
    border-radius: var(--fm-radius-xl);

    box-shadow: var(--fm-shadow-card);
    overflow: hidden;
}

.fm-referral-image {
    display: flex;
    align-items: center;
    justify-content: center;
    min-width: 0;
}

.fm-referral-image img {
    display: block;
    width: 100%;
    max-width: 380px;
    height: auto;
    object-fit: contain;
}

.fm-referral-box h2 {
    margin: 0 0 15px;

    color: var(--fm-text);

    font-size: clamp(28px, 3.3vw, 40px);
    font-weight: 800;
    line-height: 1.15;
    letter-spacing: -1px;
}

.fm-referral-box h2 span {
    color: var(--fm-primary);
}

.fm-referral-box p {
    margin: 0 0 14px;
    color: var(--fm-text-secondary);
    font-size: 14px;
    line-height: 1.75;
}

/* Referral checklist */

.fm-referral-list {
    margin: 18px 0;
    padding: 0;
    list-style: none;
}

.fm-referral-list li {
    display: flex;
    align-items: flex-start;
    gap: 9px;

    margin: 0 0 11px;

    color: #34443c;
    font-size: 13px;
    font-weight: 600;
    line-height: 1.6;
}

.fm-referral-list i {
    flex: 0 0 auto;
    margin-top: 4px;
    color: var(--fm-green);
}

/* Shared primary action */

.fm-primary-action {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;

    min-height: 45px;
    padding: 11px 18px;

    color: #ffffff;
    background: var(--fm-primary);
    border: 1px solid var(--fm-primary);
    border-radius: 8px;

    font-size: 13px;
    font-weight: 700;
    line-height: 1.4;
    text-decoration: none;

    box-shadow: var(--fm-shadow-sm);
    transition: background-color 0.18s ease, border-color 0.18s ease;
}

.fm-primary-action:hover {
    color: #ffffff;
    background: var(--fm-primary-hover);
    border-color: var(--fm-primary-hover);
    transform: none;
    box-shadow: var(--fm-shadow-sm);
}

.fm-primary-action:focus-visible {
    outline: 2px solid var(--fm-green);
    outline-offset: 3px;
}

/* How it works */

.fm-how-section {
    margin-top: 34px;
}

.fm-how-section h2 {
    margin: 0 0 28px;
    color: var(--fm-text);
    font-size: clamp(26px, 3.2vw, 36px);
    font-weight: 800;
    line-height: 1.2;
    letter-spacing: -0.7px;
}

.fm-how-section h2 span {
    color: var(--fm-primary);
}

.fm-steps {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 16px;
}

.fm-step-card {
    position: relative;
    min-width: 0;
    padding: 24px 18px;

    background: #ffffff;
    border: 1px solid var(--fm-border);
    border-radius: var(--fm-radius-lg);

    text-align: center;
    box-shadow: var(--fm-shadow-sm);
    transition: border-color 0.18s ease, box-shadow 0.18s ease;
}

.fm-step-card:hover {
    border-color: #c5ded4;
    box-shadow: var(--fm-shadow-hover);
    transform: none;
}

.fm-step-number {
    display: flex;
    align-items: center;
    justify-content: center;

    width: 48px;
    height: 48px;
    margin: 0 auto 15px;

    color: #ffffff;
    background: var(--fm-primary);
    border-radius: 12px;

    font-size: 17px;
    font-weight: 800;
}

.mobile-only-step {
    display: none;
}

.fm-step-card h3 {
    margin: 0 0 8px;
    color: var(--fm-text);
    font-size: 16px;
    font-weight: 750;
    line-height: 1.35;
}

.fm-step-card p {
    margin: 0;
    color: var(--fm-text-secondary);
    font-size: 13px;
    line-height: 1.65;
}

/* Network support */

.fm-network-section {
    margin-top: 25px;
    padding: 28px 22px;

    background: #ffffff;
    border: 1px solid var(--fm-border);
    border-radius: var(--fm-radius-lg);

    text-align: center;
}

.fm-network-section h3 {
    margin: 0 0 8px;
    color: var(--fm-text);
    font-size: 22px;
    font-weight: 800;
    line-height: 1.3;
}

.fm-network-section p {
    margin: 0;
    color: var(--fm-text-secondary);
    font-size: 14px;
    line-height: 1.65;
}

.fm-network-grid {
    display: flex;
    align-items: center;
    justify-content: center;
    flex-wrap: wrap;
    gap: 22px;

    margin-top: 22px;
}

.fm-network-grid img {
    display: block;
    width: 70px;
    height: 70px;
    object-fit: contain;
}

/* Contact strip */

.fm-final-contact {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 20px;

    margin-top: 25px;
    padding: 23px;

    background: #ffffff;
    border: 1px solid var(--fm-border);
    border-radius: var(--fm-radius-lg);
}

.fm-final-contact h3 {
    margin: 0 0 6px;
    color: var(--fm-text);
    font-size: 21px;
    font-weight: 800;
    line-height: 1.3;
}

.fm-final-contact p {
    margin: 0;
    color: var(--fm-text-secondary);
    font-size: 13px;
    line-height: 1.6;
}

.fm-contact-links {
    display: flex;
    align-items: center;
    flex-wrap: wrap;
    gap: 8px;
}

.fm-contact-links a {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 7px;

    min-height: 39px;
    padding: 9px 12px;

    color: var(--fm-primary);
    background: var(--fm-green-light);
    border: 1px solid #deece6;
    border-radius: 7px;

    font-size: 12px;
    font-weight: 700;
    text-decoration: none;
}

.fm-contact-links a:hover {
    color: var(--fm-primary);
    background: #dff0e9;
}

/* Final CTA */

.fm-final-cta {
    margin-top: 28px;
    padding: clamp(32px, 5vw, 52px) 24px;

    color: #ffffff;
    background: var(--fm-primary);
    border: 1px solid #003f38;
    border-radius: var(--fm-radius-xl);

    text-align: center;
}

.fm-final-cta h2 {
    max-width: 750px;
    margin: 0 auto 12px;

    color: #ffffff;
    font-size: clamp(27px, 3.5vw, 40px);
    font-weight: 800;
    line-height: 1.15;
    letter-spacing: -0.8px;
}

.fm-final-cta p {
    max-width: 600px;
    margin: 0 auto;

    color: #dcebe6;
    font-size: 14px;
    line-height: 1.7;
}

.fm-final-cta a {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;

    min-height: 44px;
    margin-top: 17px;
    padding: 11px 19px;

    color: var(--fm-primary);
    background: #ffffff;
    border: 1px solid #ffffff;
    border-radius: 8px;

    font-size: 13px;
    font-weight: 800;
    text-decoration: none;
}

.fm-final-cta a:hover {
    color: var(--fm-primary);
    background: #f0f7f4;
}

/* =========================================================
   05. FAQ SECTION
   ========================================================= */

.fm-faq-section {
    position: relative;
    padding: var(--fm-section-space) 0;
    background: #ffffff;
}

.fm-faq-header {
    max-width: 760px;
    margin: 0 auto 34px;
    text-align: center;
}

.fm-faq-header .fm-section-badge {
    text-transform: uppercase;
    letter-spacing: 0.4px;
}

.fm-faq-header h2 {
    margin-bottom: 13px;
}

.fm-faq-header p {
    max-width: 620px;
}

/* FAQ accordion */

.fm-faq-wrapper {
    display: flex;
    flex-direction: column;
    gap: 10px;
}

.fm-faq-item {
    overflow: hidden;

    background: #ffffff;
    border: 1px solid var(--fm-border);
    border-radius: var(--fm-radius-md);

    box-shadow: var(--fm-shadow-sm);
    transition: border-color 0.18s ease;
}

.fm-faq-item:hover {
    border-color: #c9ded5;
    box-shadow: var(--fm-shadow-sm);
    transform: none;
}

.fm-faq-question {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 12px;

    width: 100%;
    min-height: 58px;
    padding: 15px 17px;

    color: var(--fm-text);
    background: #ffffff;
    border: 0;

    font-family: inherit;
    font-size: 14px;
    font-weight: 700;
    line-height: 1.5;
    text-align: left;

    cursor: pointer;
}

.fm-faq-question span {
    flex: 1;
    min-width: 0;
    padding-right: 4px;
}

.fm-faq-question i {
    display: flex;
    align-items: center;
    justify-content: center;
    flex: 0 0 29px;

    width: 29px;
    height: 29px;

    color: var(--fm-primary);
    background: var(--fm-green-light);
    border-radius: 7px;

    font-size: 11px;
    transition: background-color 0.18s ease, color 0.18s ease;
}

.fm-faq-question.active i {
    color: #ffffff;
    background: var(--fm-primary);
    transform: none;
}

.fm-faq-question:focus-visible {
    position: relative;
    outline: 2px solid var(--fm-green);
    outline-offset: -3px;
}

.fm-faq-answer {
    display: none;
    padding: 0 17px 16px;
}

.fm-faq-answer p {
    margin: 0;
    color: var(--fm-text-secondary);
    font-size: 13px;
    line-height: 1.75;
}

/* Phone mockup */

.fm-faq-phone-wrapper {
    position: relative;

    display: flex;
    align-items: center;
    justify-content: center;

    min-width: 0;
    min-height: 480px;
}

.fm-phone-glow {
    position: absolute;
    width: min(390px, 90%);
    aspect-ratio: 1;

    background: radial-gradient(circle,
            rgba(0, 143, 128, 0.09),
            transparent 70%);

    border-radius: 50%;
    z-index: 0;
}

.fm-phone-frame {
    position: relative;
    z-index: 3;

    display: block;
    width: 330px;
    max-width: 78%;
    height: auto;

    filter: drop-shadow(0 4px 8px rgba(16, 36, 30, 0.1));
}

.fm-phone-logo {
    position: absolute;
    z-index: 5;
    top: 50%;
    left: 60%;

    width: 115px;
    max-width: 30%;

    transform: translate(-50%, -50%);
}

.fm-phone-floating {
    position: absolute;
    z-index: 6;
    right: calc(50% - 220px);
    bottom: 75px;

    width: 125px;
    max-width: 30%;

    filter: drop-shadow(0 3px 6px rgba(16, 36, 30, 0.1));
    animation: fmFloat 4s ease-in-out infinite;
}

.fm-faq-phone-wrapper::before,
.fm-faq-phone-wrapper::after {
    position: absolute;
    content: "";
    border-radius: 50%;
}

.fm-faq-phone-wrapper::before {
    top: 23%;
    right: 16%;
    width: 12px;
    height: 12px;
    background: var(--fm-orange);
}

.fm-faq-phone-wrapper::after {
    bottom: 22%;
    left: 17%;
    width: 9px;
    height: 9px;
    background: var(--fm-green);
}

@keyframes fmFloat {

    0%,
    100% {
        transform: translateY(0);
    }

    50% {
        transform: translateY(-5px);
    }
}

/* =========================================================
   06. TESTIMONIALS
   ========================================================= */

.fm-testimonials {
    position: relative;
    padding: var(--fm-section-space) 0;
    background: var(--fm-surface);
}

.fm-testimonial-header {
    max-width: 760px;
    margin: 0 auto 30px;
    text-align: center;
}

.fm-testimonial-header h2 {
    margin-top: 0;
    margin-bottom: 12px;
}

.fm-testimonial-header p {
    margin-top: 0;
}

/* Testimonial card */

.fm-testimonial-card {
    position: relative;

    display: flex;
    align-items: center;
    gap: 26px;

    width: 100%;
    max-width: 850px;
    margin: 0 auto;
    padding: 28px;

    background: #ffffff;
    border: 1px solid var(--fm-border);
    border-radius: var(--fm-radius-xl);

    box-shadow: var(--fm-shadow-card);
    overflow: hidden;
}

.fm-testimonial-card::before {
    position: absolute;
    top: 0;
    bottom: 0;
    left: 0;

    width: 3px;

    content: "";
    background: var(--fm-primary);
}

.fm-testimonial-card:hover {
    box-shadow: var(--fm-shadow-card);
    transform: none;
}

/* Profile image */

.fm-user-image {
    display: block;
    flex: 0 0 100px;

    width: 100px;
    height: 100px;
    padding: 3px;

    background: var(--fm-green-light);
    border: 1px solid #d8e9e1;
    border-radius: 50%;
    overflow: hidden;

    box-shadow: none;
}

.fm-user-image img {
    display: block;

    width: 100%;
    height: 100%;

    background: #ffffff;
    border-radius: 50%;

    object-fit: cover;
    object-position: center;
}

/* Testimonial content */

.fm-user-content {
    flex: 1;
    min-width: 0;
}

.fm-stars {
    margin: 0 0 10px;

    color: var(--fm-orange);
    font-size: 17px;
    letter-spacing: 2px;
    line-height: 1.3;
}

.fm-user-content p {
    margin: 0 0 13px;

    color: var(--fm-text-secondary);
    font-size: 14px;
    line-height: 1.75;
    overflow-wrap: break-word;
}

.fm-user-content h4 {
    margin: 0 0 3px;

    color: var(--fm-text);
    font-size: 16px;
    font-weight: 800;
    line-height: 1.4;
}

.fm-user-content small {
    color: var(--fm-primary);
    font-size: 12px;
    font-weight: 650;
    line-height: 1.5;
}

/* Testimonial carousel controls */

.carousel-control-prev,
.carousel-control-next {
    top: 50%;
    bottom: auto;

    display: flex;
    align-items: center;
    justify-content: center;

    width: 38px;
    height: 38px;

    background: var(--fm-primary);
    border: 1px solid var(--fm-primary);
    border-radius: 8px;

    opacity: 1;
    transform: translateY(-50%);

    transition: background-color 0.18s ease, border-color 0.18s ease;
}

.carousel-control-prev:hover,
.carousel-control-next:hover {
    background: var(--fm-primary-hover);
    border-color: var(--fm-primary-hover);
    transform: translateY(-50%);
}

.carousel-control-prev {
    left: -48px;
}

.carousel-control-next {
    right: -48px;
}

.carousel-control-prev-icon,
.carousel-control-next-icon {
    width: 14px;
    height: 14px;
    background-size: 100% 100%;
}

.carousel-control-prev:focus-visible,
.carousel-control-next:focus-visible {
    outline: 2px solid var(--fm-green);
    outline-offset: 3px;
}

/* =========================================================
   07. PARTNER / NDPC SECTION
   ========================================================= */

.ndpc-section {
    background: #ffffff;
}

.ndpc-logo {
    display: block;
    width: 100px;
    max-width: 100%;
    height: auto;
    object-fit: contain;
}

/* =========================================================
   08. LARGE DESKTOP
   ========================================================= */

@media (min-width: 1400px) {
    .fm-hero__visual {
        min-height: 530px;
    }

    .fm-hero__image-wrapper {
        height: 525px;
    }

    .fm-hero__image {
        max-height: 525px;
    }
}

/* =========================================================
   09. LAPTOP AND COMPACT DESKTOP
   ========================================================= */

@media (max-width: 1199.98px) {
    :root {
        --fm-section-space: 66px;
    }

    .fm-hero__title {
        font-size: clamp(38px, 4.5vw, 54px);
        letter-spacing: -1.8px;
    }

    .fm-hero__visual {
        min-height: 460px;
    }

    .fm-hero__image-wrapper {
        height: 455px;
    }

    .fm-hero__image {
        max-height: 455px;
    }

    .fm-hero__floating-card {
        min-width: 170px;
        max-width: 200px;
    }

    .fm-hero__floating-card--airtime {
        left: 0;
    }

    .fm-hero__floating-card--bills {
        right: 0;
    }

    .fm-hero__cashback-card {
        width: 130px;
        right: 4px;
    }

    .fm-hero__security-badge {
        left: 15px;
    }

    .carousel-control-prev {
        left: -15px;
    }

    .carousel-control-next {
        right: -15px;
    }
}

/* =========================================================
   10. TABLETS
   ========================================================= */

@media (max-width: 991.98px) {
    :root {
        --fm-section-space: 58px;
    }

    .fm-hero {
        min-height: 0;
        padding: 46px 0 42px;
    }

    .fm-hero__content {
        max-width: 720px;
        margin: 0 auto;
        text-align: center;
    }

    .fm-hero__title {
        max-width: 680px;
        margin-right: auto;
        margin-left: auto;

        font-size: clamp(39px, 6vw, 54px);
    }

    .fm-hero__description {
        max-width: 520px;
        margin: 0 auto 20px;
        text-align: center;
    }

    .fm-hero__actions {
        align-items: center;
    }

    .fm-hero__trust,
    .fm-hero__benefits {
        justify-content: center;
    }

    .fm-hero__visual {
        max-width: 620px;
        min-height: 470px;
        margin: 12px auto 0;
    }

    .fm-hero__image-wrapper {
        height: 465px;
    }

    .fm-hero__image {
        max-height: 465px;
    }

    .fm-hero__floating-card--airtime {
        top: 45px;
        left: 8px;
    }

    .fm-hero__floating-card--bills {
        right: 8px;
        bottom: 62px;
    }

    .fm-hero__cashback-card {
        top: 30px;
        right: 8px;
    }

    .fm-hero__security-badge {
        bottom: 14px;
        left: 18px;
    }

    .fm-services .row {
        row-gap: 16px;
    }

    .fm-service-card {
        padding: 22px 17px;
    }

    .fm-referral-box {
        padding: 28px 24px;
    }

    .fm-steps {
        grid-template-columns: repeat(2, minmax(0, 1fr));
    }

    .mobile-only-step {
        display: block;
    }

    .fm-faq-phone-wrapper {
        min-height: 400px;
        margin-top: 18px;
    }

    .fm-phone-frame {
        width: 290px;
    }

    .fm-phone-logo {
        width: 100px;
    }

    .fm-phone-floating {
        right: calc(50% - 180px);
        bottom: 65px;
        width: 110px;
    }

    .fm-testimonial-card {
        max-width: 760px;
        padding: 24px;
    }

    .carousel-control-prev {
        left: 5px;
    }

    .carousel-control-next {
        right: 5px;
    }
}

/* =========================================================
   11. MOBILE DEVICES
   ========================================================= */

@media (max-width: 767.98px) {
    :root {
        --fm-section-space: 48px;
    }

    .fm-hero {
        padding: 36px 0 32px;
    }

    .fm-hero__eyebrow {
        margin-bottom: 15px;
        font-size: 11px;
    }

    .fm-hero__title {
        margin-bottom: 14px;
        font-size: clamp(32px, 7.5vw, 44px);
        line-height: 1.08;
        letter-spacing: -1.35px;
    }

    .fm-hero__title-accent {
        white-space: normal;
    }

    .fm-hero__description {
        max-width: 470px;
        margin-bottom: 18px;
        font-size: 14px;
        line-height: 1.65;
    }

    .fm-hero__actions {
        gap: 11px;
        margin-bottom: 19px;
    }

    .fm-hero__primary-btn {
        min-height: 46px;
        padding: 11px 17px;
        font-size: 13px;
    }

    .fm-hero__store-buttons {
        max-width: 390px;
        gap: 7px;
    }

    .fm-store-button {
        min-height: 51px;
        gap: 7px;
        padding: 7px 9px;
    }

    .fm-store-button__icon {
        flex-basis: 25px;
        width: 25px;
        height: 25px;
        font-size: 22px;
    }

    .fm-store-button--apple .fm-store-button__icon {
        font-size: 24px;
    }

    .fm-store-button__text small {
        font-size: 8px;
    }

    .fm-store-button__text strong {
        font-size: 13px;
    }

    .fm-hero__trust {
        gap: 10px;
        margin-bottom: 15px;
    }

    .fm-hero__avatars img,
    .fm-hero__avatar-count {
        flex-basis: 34px;
        width: 34px;
        height: 34px;
    }

    .fm-hero__benefits {
        gap: 8px 13px;
    }

    .fm-hero__benefit {
        font-size: 11px;
    }

    .fm-hero__visual {
        min-height: 405px;
        margin-top: 7px;
    }

    .fm-hero__visual-background {
        width: 94%;
        height: 79%;
    }

    .fm-hero__image-wrapper {
        height: 395px;
    }

    .fm-hero__image {
        max-width: 315px;
        max-height: 395px;
    }

    .fm-hero__floating-card {
        min-width: 0;
        max-width: 165px;
        gap: 7px;
        padding: 8px 9px;
        border-radius: 9px;
    }

    .fm-hero__floating-card--airtime {
        top: 30px;
        left: 0;
    }

    .fm-hero__floating-card--bills {
        right: 0;
        bottom: 46px;
    }

    .fm-hero__floating-icon {
        flex-basis: 30px;
        width: 30px;
        height: 30px;
        font-size: 13px;
    }

    .fm-hero__floating-card small {
        font-size: 9px;
    }

    .fm-hero__floating-card strong {
        font-size: 10px;
    }

    .fm-hero__cashback-card {
        top: 15px;
        right: 0;
        width: 112px;
        padding: 10px;
        border-radius: 9px;
    }

    .fm-hero__cashback-label {
        font-size: 9px;
    }

    .fm-hero__cashback-card strong {
        font-size: 21px;
    }

    .fm-hero__cashback-note {
        font-size: 9px;
    }

    .fm-hero__security-badge {
        display: none;
    }

    .fm-services-header,
    .fm-faq-header {
        margin-bottom: 26px;
    }

    .fm-services-header h2,
    .fm-faq-header h2,
    .fm-testimonial-header h2 {
        font-size: clamp(27px, 6vw, 34px);
        letter-spacing: -0.8px;
    }

    .fm-services-header p,
    .fm-faq-header p,
    .fm-testimonial-header p {
        font-size: 13px;
        line-height: 1.65;
    }

    .fm-services .row {
        display: grid;
        grid-template-columns: repeat(2, minmax(0, 1fr));
        gap: 11px;
        margin-right: 0;
        margin-left: 0;
    }

    .fm-services .col-lg-4,
    .fm-services .col-md-6 {
        width: 100%;
        max-width: 100%;
        padding: 0;
    }

    .fm-service-card {
        min-height: 0 !important;
        height: 100%;
        padding: 17px 11px !important;
        border-radius: 11px !important;
    }

    .fm-service-icon {
        width: 43px;
        height: 43px;
        margin-bottom: 12px;
        border-radius: 9px;
        font-size: 18px;
    }

    .fm-service-card h3 {
        margin-bottom: 7px;
        font-size: 14px;
        line-height: 1.35;
    }

    .fm-service-card p {
        font-size: 11px;
        line-height: 1.55;
    }

    .fm-referral-box {
        padding: 22px 17px;
        border-radius: 13px;
    }

    .fm-referral-box h2 {
        font-size: clamp(25px, 6vw, 32px);
        letter-spacing: -0.7px;
    }

    .fm-referral-box p {
        font-size: 13px;
    }

    .fm-referral-list {
        margin: 15px 0;
    }

    .fm-referral-list li {
        gap: 8px;
        margin-bottom: 9px;
        font-size: 12px;
    }

    .fm-primary-action {
        min-height: 43px;
        padding: 10px 14px;
        font-size: 12px;
    }

    .fm-how-section {
        margin-top: 26px;
    }

    .fm-how-section h2 {
        margin-bottom: 20px;
        font-size: 26px;
    }

    .fm-steps {
        gap: 11px;
    }

    .fm-step-card {
        padding: 18px 11px;
        border-radius: 11px;
    }

    .fm-step-number {
        width: 40px;
        height: 40px;
        margin-bottom: 12px;
        border-radius: 9px;
        font-size: 15px;
    }

    .fm-step-card h3 {
        font-size: 14px;
    }

    .fm-step-card p {
        font-size: 11px;
        line-height: 1.55;
    }

    .fm-network-section {
        margin-top: 18px;
        padding: 21px 14px;
        border-radius: 12px;
    }

    .fm-network-section h3 {
        font-size: 19px;
    }

    .fm-network-section p {
        font-size: 12px;
    }

    .fm-network-grid {
        gap: 14px;
        margin-top: 16px;
    }

    .fm-network-grid img {
        width: 54px;
        height: 54px;
    }

    .fm-final-contact {
        flex-direction: column;
        align-items: stretch;
        gap: 15px;
        margin-top: 18px;
        padding: 18px 14px;
        border-radius: 12px;
    }

    .fm-final-contact h3 {
        font-size: 19px;
    }

    .fm-final-contact p {
        font-size: 12px;
    }

    .fm-contact-links {
        display: grid;
        grid-template-columns: repeat(3, minmax(0, 1fr));
        gap: 6px;
    }

    .fm-contact-links a {
        min-width: 0;
        min-height: 38px;
        gap: 5px;
        padding: 8px 4px;
        font-size: 10px;
        overflow-wrap: anywhere;
    }

    .fm-final-cta {
        margin-top: 19px;
        padding: 32px 16px;
        border-radius: 13px;
    }

    .fm-final-cta h2 {
        font-size: clamp(25px, 6vw, 32px);
    }

    .fm-final-cta p {
        font-size: 13px;
    }

    .fm-faq-question {
        min-height: 52px;
        padding: 13px 12px;
        font-size: 13px;
    }

    .fm-faq-answer {
        padding: 0 12px 13px;
    }

    .fm-faq-answer p {
        font-size: 12px;
    }

    .fm-faq-question i {
        flex-basis: 27px;
        width: 27px;
        height: 27px;
    }

    .fm-faq-phone-wrapper {
        min-height: 350px;
        margin-top: 10px;
    }

    .fm-phone-frame {
        width: 260px;
        max-width: 72%;
    }

    .fm-phone-logo {
        width: 85px;
    }

    .fm-phone-floating {
        right: calc(50% - 155px);
        bottom: 45px;
        width: 85px;
    }

    .fm-testimonial-header {
        margin-bottom: 23px;
    }

    .fm-testimonial-card {
        flex-direction: column;
        align-items: center;
        gap: 14px;

        max-width: 100%;
        padding: 23px 18px;

        border-radius: 13px;
        text-align: center;
    }

    .fm-testimonial-card::before {
        right: 0;
        bottom: auto;
        width: 100%;
        height: 3px;
    }

    .fm-user-image {
        flex-basis: 76px;
        width: 76px;
        height: 76px;
    }

    .fm-stars {
        margin-bottom: 8px;
        font-size: 15px;
        letter-spacing: 2px;
    }

    .fm-user-content p {
        margin-bottom: 11px;
        font-size: 12px;
        line-height: 1.7;
    }

    .fm-user-content h4 {
        font-size: 15px;
    }

    .fm-user-content small {
        font-size: 11px;
    }

    /* Keep carousel controls inside the viewport. */

    .carousel-control-prev,
    .carousel-control-next {
        top: auto;
        bottom: -47px;

        width: 34px;
        height: 34px;

        border-radius: 7px;
        transform: none;
    }

    .carousel-control-prev:hover,
    .carousel-control-next:hover {
        transform: none;
    }

    .carousel-control-prev {
        left: calc(50% - 40px);
    }

    .carousel-control-next {
        right: calc(50% - 40px);
    }

    .ndpc-logo {
        width: 78px;
    }
}

/* =========================================================
   12. SMALL MOBILE
   ========================================================= */

@media (max-width: 380px) {
    :root {
        --fm-section-space: 40px;
    }

    .fm-hero {
        padding-top: 29px;
        padding-bottom: 27px;
    }

    .fm-hero__title {
        font-size: clamp(29px, 8vw, 34px);
        letter-spacing: -1px;
    }

    .fm-hero__description {
        font-size: 13px;
        line-height: 1.6;
    }

    .fm-hero__visual {
        min-height: 350px;
    }

    .fm-hero__image-wrapper {
        height: 345px;
    }

    .fm-hero__image {
        max-width: 275px;
        max-height: 345px;
    }

    .fm-hero__floating-card {
        max-width: 142px;
        padding: 7px;
        gap: 6px;
    }

    .fm-hero__floating-card--airtime {
        top: 26px;
        left: 0;
    }

    .fm-hero__floating-card--bills {
        right: 0;
        bottom: 36px;
    }

    .fm-hero__floating-icon {
        flex-basis: 26px;
        width: 26px;
        height: 26px;
        font-size: 11px;
    }

    .fm-hero__floating-card small {
        font-size: 8px;
    }

    .fm-hero__floating-card strong {
        font-size: 9px;
        white-space: normal;
    }

    .fm-hero__cashback-card {
        top: 10px;
        right: 0;
        width: 95px;
        padding: 8px;
    }

    .fm-hero__cashback-card strong {
        font-size: 18px;
    }

    .fm-hero__cashback-note {
        font-size: 8px;
    }

    .fm-hero__store-buttons {
        gap: 6px;
    }

    .fm-store-button {
        min-height: 47px;
        gap: 5px;
        padding: 6px;
    }

    .fm-store-button__icon {
        flex-basis: 21px;
        width: 21px;
        height: 21px;
        font-size: 19px;
    }

    .fm-store-button--apple .fm-store-button__icon {
        font-size: 21px;
    }

    .fm-store-button__text small {
        font-size: 7px;
    }

    .fm-store-button__text strong {
        font-size: 11px;
        letter-spacing: 0;
    }

    .fm-services .row {
        gap: 9px;
    }

    .fm-service-card {
        padding: 15px 8px !important;
    }

    .fm-service-icon {
        width: 39px;
        height: 39px;
        margin-bottom: 10px;
        font-size: 16px;
    }

    .fm-service-card h3 {
        font-size: 12px;
    }

    .fm-service-card p {
        font-size: 10px;
        line-height: 1.5;
    }

    .fm-contact-links {
        gap: 5px;
    }

    .fm-contact-links a {
        font-size: 9px;
    }

    .fm-steps {
        gap: 9px;
    }

    .fm-step-card {
        padding: 15px 8px;
    }

    .fm-step-card h3 {
        font-size: 12px;
    }

    .fm-step-card p {
        font-size: 10px;
    }

    .fm-faq-phone-wrapper {
        min-height: 315px;
    }

    .fm-phone-frame {
        max-width: 68%;
    }

    .fm-phone-logo {
        width: 70px;
    }

    .fm-phone-floating {
        right: calc(50% - 130px);
        bottom: 40px;
        width: 72px;
    }
}

/* =========================================================
   13. ACCESSIBILITY AND REDUCED MOTION
   ========================================================= */

@media (prefers-reduced-motion: reduce) {

    .fm-hero__floating-card,
    .fm-phone-floating {
        animation: none;
    }

    .fm-hero__primary-btn,
    .fm-store-button,
    .fm-service-card,
    .fm-step-card,
    .fm-faq-item,
    .fm-faq-question i,
    .fm-primary-action,
    .carousel-control-prev,
    .carousel-control-next {
        transition: none;
    }
}


/* =========================================================
   FETCHMONIE — MOBILE HERO SPACING FIX
   Reduce gap between customer reviews and hero image
========================================================= */

@media (max-width: 767.98px) {

    /* Tighten spacing below customer reviews */
    .fm-hero__trust {
        margin-bottom: 20px !important;
    }

    /* Remove unnecessary space above the hero image */
    .fm-hero__visual {
        margin-top: 0 !important;
    }

    /* Prevent Bootstrap from adding excess vertical gutter */
    .fm-hero .row {
        --bs-gutter-y: 0 !important;
        row-gap: 0 !important;
    }

}