/* ==========================================================================
   Botim SME Lending — page styles
   Scoped under .sme so nothing else on the site is affected.
   Grid: 1920 design width, 320px side padding => 1280px content column.
   ========================================================================== */

.sme {
  --sme-ink: #020309;
  --sme-navy: #101828;
  --sme-grey: #525F75;
  --sme-primary: #091EDB;
  --sme-light: #F2F4FF;
  --sme-divider: #DFE4FA;
  --sme-dark-panel: rgba(7, 12, 36, 0.7);
  --sme-grad: linear-gradient(126.87deg, #020309 0%, #030621 42.86%, #091EDB 71.43%);
  --sme-radius: 24px;
  --sme-pill: 99px;
  --sme-font: 'Montserrat', 'Inter', system-ui, -apple-system, 'Segoe UI', sans-serif;

  font-family: var(--sme-font);
  color: var(--sme-navy);
  background: #FFFFFF;
  overflow-x: hidden;
}

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

.sme-wrap {
  width: 100%;
  max-width: 1920px;
  margin: 0 auto;
  padding: 0 320px;
}

.sme-section { padding: 100px 0; position: relative; overflow: hidden; }
.sme-section--tight { padding: 72px 0; }
.sme-section > .sme-wrap { position: relative; z-index: 1; }

/* ---------------------------------------------------------------- type --- */

.sme-h1 {
  font-size: 80px;
  line-height: 88px;
  font-weight: 700;
  letter-spacing: -2px;
  color: var(--sme-ink);
  margin: 0 0 32px;
}

.sme-h2 {
  font-size: 54px;
  line-height: 63px;
  font-weight: 700;
  letter-spacing: -1px;
  color: var(--sme-ink);
  margin: 0 0 32px;
}

.sme-h3 {
  font-size: 25px;
  line-height: 34px;
  font-weight: 600;
  color: var(--sme-ink);
  margin: 0 0 12px;
}

.sme-label {
  display: inline-block;
  font-size: 17px;
  line-height: 24px;
  font-weight: 600;
  letter-spacing: 0.02em;
  color: var(--sme-primary);
  margin-bottom: 16px;
}

.sme-body {
  font-size: 22px;
  line-height: 34px;
  font-weight: 400;
  color: var(--sme-grey);
  margin: 0 0 32px;
}

.sme-card-text {
  font-size: 19px;
  line-height: 29px;
  color: var(--sme-grey);
  margin: 0;
}

.sme-small {
  font-size: 16px;
  line-height: 25px;
  color: var(--sme-grey);
}

.sme .sme-h2 + .sme-body,
.sme .sme-h1 + .sme-body { max-width: 760px; }

/* -------------------------------------------------------------- layout --- */

.sme-split {
  display: grid;
  grid-template-columns: 1fr 420px;
  gap: 100px;
  align-items: center;
}

.sme-grid-3 {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
}

.sme-grid-2 {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 32px;
}

.sme-cards {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-top: 56px;
}

/* --------------------------------------------------------------- bands --- */

.sme-band-light { background: var(--sme-light); }

.sme-band-dark {
  background: var(--sme-grad);
  color: #FFFFFF;
  position: relative;
  overflow: hidden;
}

.sme-band-dark .sme-h2,
.sme-band-dark .sme-h3 { color: #FFFFFF; }

.sme-band-dark .sme-body,
.sme-band-dark .sme-card-text,
.sme-band-dark .sme-small { color: rgba(255, 255, 255, 0.78); }

/* ambient glow — one broad bloom sitting low in each dark band, so the band
   stays deep toward the top-left and lifts to bright blue along the bottom */
.sme-blob {
  position: absolute;
  border-radius: 50%;
  background: rgba(9, 30, 219, 0.45);
  filter: blur(150px);
  pointer-events: none;
}
.sme-blob--a {
  width: 1700px; height: 900px;
  bottom: -430px; left: 50%;
  transform: translateX(-50%);
}
.sme-blob--b {
  width: 1200px; height: 700px;
  bottom: -360px; left: 50%;
  transform: translateX(-50%);
  background: rgba(9, 30, 219, 0.3);
}
.sme-band-dark > .sme-wrap { position: relative; z-index: 1; }

/* hero uses the dark gradient band from the design */
.sme-hero { padding: 110px 0 120px; }
.sme-hero .sme-h1 { color: #FFFFFF; }
.sme-hero .sme-label { color: rgba(255, 255, 255, 0.72); }
.sme-hero .sme-body { color: rgba(255, 255, 255, 0.78); }

/* -------------------------------------------------------------- cards ---- */

.sme-card {
  background: #FFFFFF;
  border-radius: var(--sme-radius);
  padding: 40px 36px;
  border: 1px solid var(--sme-divider);
}

.sme-card--plain { border: 0; background: transparent; padding: 0; }

.sme-card--dark {
  background: var(--sme-dark-panel);
  border: 1px solid rgba(255, 255, 255, 0.12);
  backdrop-filter: blur(6px);
}
.sme-card--dark .sme-h3 { color: #FFFFFF; }
.sme-card--dark .sme-card-text { color: rgba(255, 255, 255, 0.75); }

.sme-card__num {
  font-size: 17px;
  line-height: 24px;
  font-weight: 600;
  color: var(--sme-primary);
  display: block;
  margin-bottom: 20px;
}

.sme-body--accent { color: var(--sme-primary); font-weight: 600; }
.sme-band-dark .sme-body--accent { color: #B3BCF2; }

.sme-banner {
  margin-top: 72px;
  padding: 48px 56px;
  background: var(--sme-light);
  border-radius: 24px;
}
.sme-banner .sme-h3 { margin-bottom: 12px; color: var(--sme-primary); }

.sme-ownership {
  margin-top: 72px;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: center;
  padding: 48px 56px;
  background: var(--sme-light);
  border-radius: 24px;
}
.sme-ownership__arrow {
  font-size: 32px;
  color: var(--sme-primary);
  margin: 24px 0;
}
@media (max-width: 768px) {
  .sme-ownership { grid-template-columns: 1fr; padding: 32px; }
}

/* ------------------------------------------------------------ buttons ---- */

.sme-btns { display: flex; gap: 16px; flex-wrap: wrap; }

.sme-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  height: 56px;
  padding: 0 34px;
  border-radius: var(--sme-pill);
  font-size: 18px;
  line-height: 26px;
  font-weight: 600;
  text-decoration: none;
  border: 1px solid transparent;
  transition: opacity .18s ease, background-color .18s ease, color .18s ease;
  white-space: nowrap;
}

.sme-btn--primary { background: var(--sme-primary); color: #FFFFFF; }
.sme-btn--primary:hover { opacity: .88; color: #FFFFFF; }

.sme-btn--ghost {
  background: transparent;
  color: var(--sme-ink);
  border-color: var(--sme-divider);
}
.sme-btn--ghost:hover { background: var(--sme-light); color: var(--sme-ink); }

.sme-btn--white { background: #FFFFFF; color: var(--sme-ink); }
.sme-btn--white:hover { opacity: .9; color: var(--sme-ink); }

.sme-btn--onDark {
  background: transparent;
  color: #FFFFFF;
  border-color: rgba(255, 255, 255, 0.35);
}
.sme-btn--onDark:hover { background: rgba(255, 255, 255, 0.1); color: #FFFFFF; }

/* ---------------------------------------------------------------- images - */

.sme-img {
  display: block;
  width: 100%;
  object-fit: cover;
  object-position: center;
  border-radius: var(--sme-radius);
  background: var(--sme-light);
}
.sme-band-dark .sme-img { background: rgba(255, 255, 255, 0.08); }

.sme-img--hero    { height: 330px; }
.sme-img--owner   { height: 330px; }
.sme-img--carousel{ height: 180px; border-radius: 16px; }
.sme-img--connect { height: 270px; }
.sme-img--uae     { height: 330px; }

/* ------------------------------------------------------------ checklist -- */

.sme-checks {
  list-style: none;
  margin: 0 0 40px;
  padding: 0;
}
.sme-checks li {
  position: relative;
  padding-left: 44px;
  margin-bottom: 20px;
  font-size: 22px;
  line-height: 34px;
  color: var(--sme-grey);
}
.sme-checks li::before {
  content: "✓";
  position: absolute;
  left: 0;
  top: 0;
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: var(--sme-primary);
  color: #FFFFFF;
  font-size: 15px;
  display: flex;
  align-items: center;
  justify-content: center;
}

/* --------------------------------------------------------------- steps --- */

.sme-steps { counter-reset: sme-step; margin-top: 56px; }
.sme-step {
  display: grid;
  grid-template-columns: 120px 1fr;
  gap: 32px;
  padding: 32px 0;
  border-bottom: 1px solid var(--sme-divider);
}
.sme-step__num {
  font-size: 25px;
  line-height: 34px;
  font-weight: 600;
  color: var(--sme-primary);
}

/* ----------------------------------------------------------- ecosystem --- */

.sme-ribbon {
  display: flex;
  align-items: center;
  justify-content: center;
  flex-wrap: wrap;
  gap: 20px;
  margin-top: 72px;
  font-size: 17px;
  line-height: 24px;
  font-weight: 600;
  color: var(--sme-primary);
}
.sme-ribbon span { opacity: .9; }
.sme-ribbon i { font-style: normal; color: var(--sme-divider); }

/* ----------------------------------------------------------------- faq --- */

.sme-faq { margin-top: 56px; border-top: 1px solid var(--sme-divider); }
.sme-faq__item { border-bottom: 1px solid var(--sme-divider); }
.sme-faq__q {
  width: 100%;
  background: none;
  border: 0;
  padding: 32px 56px 32px 0;
  text-align: left;
  font-size: 25px;
  line-height: 34px;
  font-weight: 600;
  color: var(--sme-ink);
  font-family: inherit;
  position: relative;
  cursor: pointer;
}
.sme-faq__q::after {
  content: "+";
  position: absolute;
  right: 8px;
  top: 26px;
  font-size: 28px;
  font-weight: 400;
  color: var(--sme-primary);
  transition: transform .2s ease;
}
.sme-faq__item.is-open .sme-faq__q::after { transform: rotate(45deg); }
.sme-faq__a {
  display: none;
  padding: 0 120px 32px 0;
  font-size: 19px;
  line-height: 29px;
  color: var(--sme-grey);
}
.sme-faq__item.is-open .sme-faq__a { display: block; }

/* ------------------------------------------------------------ work w us -- */

.sme-work {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 48px;
  padding: 72px 0;
}

/* -------------------------------------------------------------- footer --- */

.sme-disclosure {
  border-top: 1px solid var(--sme-divider);
  padding: 40px 0 56px;
}
.sme-disclosure p { margin: 0 0 14px; }

/* --------------------------------------------------------- responsive --- */

@media (max-width: 1600px) {
  .sme-wrap { padding: 0 120px; }
}
@media (max-width: 1200px) {
  .sme-wrap { padding: 0 40px; }
  .sme-split { grid-template-columns: 1fr; gap: 48px; }
  .sme-grid-3, .sme-cards { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 991px) {
  .sme-h1 { font-size: 54px; line-height: 62px; letter-spacing: -1px; }
  .sme-h2 { font-size: 38px; line-height: 46px; }
  .sme-body, .sme-checks li { font-size: 19px; line-height: 30px; }
  .sme-section { padding: 72px 0; }
}
@media (max-width: 767px) {
  .sme-wrap { padding: 0 24px; }
  .sme-h1 { font-size: 40px; line-height: 48px; }
  .sme-h2 { font-size: 30px; line-height: 38px; }
  .sme-grid-3, .sme-cards, .sme-grid-2 { grid-template-columns: 1fr; }
  .sme-grid-3 { gap: 24px; }
  .sme-step { grid-template-columns: 1fr; gap: 8px; }
  .sme-work { flex-direction: column; align-items: flex-start; }
  .sme-faq__a { padding-right: 0; }
  .sme-faq__q { font-size: 20px; line-height: 28px; }
}