/* Монголын анхны Merchant Bank — премиум, scroll-driven, ууссан финтек загвар */
:root{
  --bg0:#0a0e1a; --bg1:#0e1424; --bg2:#101a2e;
  --surface:rgba(255,255,255,.035); --surface2:rgba(255,255,255,.06); --glass:rgba(16,24,42,.55);
  --line:rgba(255,255,255,.08); --line2:rgba(255,255,255,.15);
  --text:#f0f3fb; --dim:#a3afca; --faint:#6b7798;
  --em:#34e3aa; --em2:#1fc28c; --em-soft:rgba(52,227,170,.12);
  --cy:#4cc9ff; --vi:#8a7dff; --gold:#ecc873; --red:#ff6b6b;
  --font:'Inter',-apple-system,system-ui,'Segoe UI',Roboto,'Helvetica Neue',Arial,sans-serif;
  --maxw:1140px;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{color:var(--text);font-family:var(--font);font-size:16px;line-height:1.6;
  -webkit-font-smoothing:antialiased;overflow-x:hidden;
  background:var(--bg0);position:relative}
/* ууссан, гүн дэвсгэр — нэг тасралтгүй орон зай */
body::before{content:"";position:fixed;inset:0;z-index:-2;pointer-events:none;
  background:
    radial-gradient(1100px 700px at 75% -8%, rgba(52,227,170,.13), transparent 58%),
    radial-gradient(900px 700px at 8% 12%, rgba(76,201,255,.09), transparent 55%),
    radial-gradient(800px 800px at 95% 105%, rgba(138,125,255,.08), transparent 60%),
    linear-gradient(180deg,#0a0e1a,#0b1020 40%,#0a0f1c)}
body::after{content:"";position:fixed;inset:0;z-index:-1;pointer-events:none;opacity:.5;
  background:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='140' height='140'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='.9' numOctaves='2'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)' opacity='.025'/%3E%3C/svg%3E")}
a{color:inherit;text-decoration:none}
::selection{background:var(--em-soft)}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 24px}
.em{color:var(--em)}.cy{color:var(--cy)}.dim{color:var(--dim)}.gold{color:var(--gold)}
.mono{font-variant-numeric:tabular-nums;font-feature-settings:'tnum'}
.bg-glow{display:none}

/* scroll progress */
.progress{position:fixed;top:0;left:0;height:2px;z-index:60;width:0;
  background:linear-gradient(90deg,var(--em),var(--cy));box-shadow:0 0 12px var(--em)}

/* ---------- кнопк ---------- */
.btn{display:inline-flex;align-items:center;gap:8px;font-weight:600;font-size:15px;
  padding:13px 22px;border-radius:12px;border:1px solid transparent;cursor:pointer;transition:.2s;font-family:inherit;position:relative}
.btn-pri{background:linear-gradient(180deg,#43f5b8,var(--em2));color:#04231a;
  box-shadow:0 12px 34px -12px rgba(52,227,170,.7)}
.btn-pri:hover{transform:translateY(-2px);box-shadow:0 18px 44px -12px rgba(52,227,170,.85)}
.btn-ghost{background:var(--surface);border-color:var(--line2);color:var(--text);backdrop-filter:blur(8px)}
.btn-ghost:hover{background:var(--surface2);border-color:var(--em);transform:translateY(-2px)}

/* ---------- NAV ---------- */
.nav{position:sticky;top:0;z-index:50;backdrop-filter:blur(18px) saturate(140%);
  background:rgba(10,14,26,.6);border-bottom:1px solid var(--line);transition:.3s}
.nav.scrolled{background:rgba(10,14,26,.85);border-bottom-color:var(--line2)}
.nav-in{display:flex;align-items:center;gap:18px;height:66px}
.brand{display:flex;align-items:center;gap:11px;font-weight:700;letter-spacing:-.2px}
.brand .mk{width:34px;height:34px;border-radius:10px;background:linear-gradient(135deg,var(--em),#1b9e74);
  display:flex;align-items:center;justify-content:center;color:#04231a;font-weight:800;font-size:17px;
  box-shadow:0 6px 20px -6px rgba(52,227,170,.7)}
.brand small{display:block;font-size:11px;font-weight:500;color:var(--faint);letter-spacing:.3px}
.nav-links{margin-left:auto;display:flex;gap:26px;align-items:center}
.nav-links a{font-size:14px;color:var(--dim);transition:.15s;position:relative}
.nav-links a:not(.btn):hover{color:var(--text)}
.nav-links a:not(.btn)::after{content:"";position:absolute;left:0;bottom:-6px;height:2px;width:0;background:var(--em);transition:.25s}
.nav-links a:not(.btn):hover::after{width:100%}
@media(max-width:860px){.nav-links a:not(.btn){display:none}}

/* ---------- секц ---------- */
section{padding:100px 0;position:relative}
.sec-accent{position:absolute;inset:0;z-index:-1;pointer-events:none;opacity:.6}
.eyebrow{display:inline-flex;align-items:center;gap:8px;font-size:12px;font-weight:600;letter-spacing:1.6px;
  text-transform:uppercase;color:var(--em);background:var(--em-soft);padding:7px 14px;border-radius:30px;
  border:1px solid rgba(52,227,170,.25)}
h1{font-size:clamp(38px,6.4vw,68px);line-height:1.03;letter-spacing:-2px;font-weight:800}
h2{font-size:clamp(28px,4.2vw,44px);line-height:1.1;letter-spacing:-1px;font-weight:780}
h3{font-size:19px;font-weight:650;letter-spacing:-.2px}
.lead{font-size:clamp(16px,2vw,19px);color:var(--dim);max-width:680px}
.sec-head{max-width:740px;margin-bottom:48px}
.sec-head h2{margin:16px 0 14px}

/* ---------- HERO ---------- */
.hero{padding:86px 0 70px;position:relative;overflow:hidden}
.aurora{position:absolute;inset:-20% -10% auto;height:560px;z-index:-1;pointer-events:none;filter:blur(60px);opacity:.6}
.aurora i{position:absolute;border-radius:50%;mix-blend-mode:screen;animation:drift 14s ease-in-out infinite}
.aurora i:nth-child(1){width:420px;height:420px;background:rgba(52,227,170,.5);left:55%;top:-40px}
.aurora i:nth-child(2){width:360px;height:360px;background:rgba(76,201,255,.4);left:20%;top:40px;animation-delay:-4s}
.aurora i:nth-child(3){width:300px;height:300px;background:rgba(138,125,255,.35);left:78%;top:120px;animation-delay:-8s}
@keyframes drift{0%,100%{transform:translate(0,0) scale(1)}33%{transform:translate(40px,30px) scale(1.1)}66%{transform:translate(-30px,20px) scale(.95)}}
.hero h1{margin:24px 0 24px;max-width:960px}
.hero .lead{font-size:clamp(17px,2.2vw,21px);max-width:660px;margin-bottom:36px}
.hero-cta{display:flex;gap:14px;flex-wrap:wrap}
.hero-stats{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;margin-top:70px;
  background:var(--line);border:1px solid var(--line);border-radius:18px;overflow:hidden;backdrop-filter:blur(8px)}
.hstat{background:var(--glass);padding:26px 22px}
.hstat .n{font-size:32px;font-weight:800;letter-spacing:-1px}
.hstat .l{font-size:13px;color:var(--dim);margin-top:5px}
.scroll-hint{margin-top:40px;display:inline-flex;align-items:center;gap:9px;color:var(--faint);font-size:13px}
.scroll-hint .m{width:22px;height:34px;border:1.5px solid var(--line2);border-radius:12px;position:relative}
.scroll-hint .m::before{content:"";position:absolute;left:50%;top:7px;width:3px;height:6px;border-radius:2px;background:var(--em);transform:translateX(-50%);animation:wheel 1.6s infinite}
@keyframes wheel{0%{opacity:0;top:7px}40%{opacity:1}80%{opacity:0;top:16px}}
@media(max-width:760px){.hero-stats{grid-template-columns:repeat(2,1fr)}}

/* ---------- картууд ---------- */
.grid{display:grid;gap:18px}
.g3{grid-template-columns:repeat(3,1fr)}.g2{grid-template-columns:repeat(2,1fr)}.g4{grid-template-columns:repeat(4,1fr)}
@media(max-width:880px){.g3,.g4{grid-template-columns:1fr 1fr}}
@media(max-width:600px){.g2,.g3,.g4{grid-template-columns:1fr}}
.card{background:var(--surface);border:1px solid var(--line);border-radius:18px;padding:28px;transition:.25s;backdrop-filter:blur(6px);position:relative;overflow:hidden}
.card:hover{border-color:var(--line2);background:var(--surface2);transform:translateY(-3px)}
.card .ico{width:46px;height:46px;border-radius:12px;background:var(--em-soft);border:1px solid rgba(52,227,170,.25);
  display:flex;align-items:center;justify-content:center;font-size:22px;margin-bottom:16px}
.card h3{margin-bottom:8px}.card p{color:var(--dim);font-size:14.5px}
.card .num{font-size:13px;font-weight:700;color:var(--faint);margin-bottom:10px}

/* layer карт */
.layer{display:flex;flex-direction:column;background:linear-gradient(180deg,var(--surface2),var(--surface));
  border:1px solid var(--line);border-radius:20px;padding:30px;position:relative;overflow:hidden;transition:.25s}
.layer:hover{transform:translateY(-3px);border-color:var(--line2)}
.layer::before{content:"";position:absolute;top:0;left:0;right:0;height:3px;background:linear-gradient(90deg,var(--em),var(--cy),transparent)}
.layer .tag{font-size:12px;font-weight:700;color:var(--em);letter-spacing:1px;text-transform:uppercase}
.layer h3{font-size:22px;margin:10px 0 16px}
.layer ul{list-style:none;display:flex;flex-direction:column;gap:10px}
.layer li{display:flex;gap:10px;align-items:flex-start;font-size:14.5px;color:var(--dim)}
.layer li::before{content:"→";color:var(--em);font-weight:700;flex:none}

/* market structure */
.mkt{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
@media(max-width:760px){.mkt{grid-template-columns:1fr}}
.mkt .col{padding:28px;border:1px solid var(--line);border-radius:18px;background:var(--surface);transition:.25s}
.mkt .col.hot{border-color:var(--em);background:linear-gradient(180deg,var(--em-soft),var(--surface));
  box-shadow:0 30px 80px -36px rgba(52,227,170,.6);transform:scale(1.02)}
.mkt .col h3{font-size:19px}.mkt .col p{color:var(--dim);font-size:14px;margin-top:8px}
.mkt .col .badge{font-size:11px;color:var(--em);font-weight:700;letter-spacing:1px}

/* flywheel */
.flow{display:flex;align-items:center;gap:14px;flex-wrap:wrap;justify-content:center;margin-top:8px}
.flow .step{flex:1;min-width:150px;text-align:center;padding:22px 14px;border:1px solid var(--line);
  border-radius:16px;background:var(--surface);transition:.4s}
.flow .step .i{width:40px;height:40px;border-radius:50%;margin:0 auto 10px;background:var(--em-soft);
  border:1px solid rgba(52,227,170,.35);display:flex;align-items:center;justify-content:center;color:var(--em);font-weight:700}
.flow .step p{font-size:13.5px;font-weight:600}
.flow .arr{color:var(--em);font-size:20px;opacity:.6}
@media(max-width:760px){.flow .arr{display:none}}

/* comparison table */
.cmp{width:100%;border-collapse:separate;border-spacing:0;border:1px solid var(--line);border-radius:18px;overflow:hidden;backdrop-filter:blur(6px)}
.cmp th,.cmp td{padding:16px 18px;text-align:left;font-size:14.5px;border-bottom:1px solid var(--line)}
.cmp thead th{font-size:12.5px;letter-spacing:.5px;text-transform:uppercase;color:var(--faint);background:rgba(255,255,255,.02)}
.cmp tbody tr:last-child td{border-bottom:none}
.cmp .feat{font-weight:600;color:var(--text)}
.cmp .yes{color:var(--em);font-weight:700}.cmp .no{color:var(--faint)}
.cmp .us{background:rgba(52,227,170,.06)}
.cmp col.us-col{background:rgba(52,227,170,.05)}
@media(max-width:680px){.cmp{font-size:12px}.cmp th,.cmp td{padding:11px 10px}}

/* funnel */
.funnel{display:flex;flex-direction:column;gap:14px;max-width:640px}
.fbar{display:flex;align-items:center;gap:16px}
.fbar .bar{height:62px;border-radius:14px;display:flex;align-items:center;padding:0 22px;font-weight:700;width:0;
  background:linear-gradient(90deg,rgba(52,227,170,.28),rgba(76,201,255,.08));border:1px solid rgba(52,227,170,.3);
  transition:width 1.1s cubic-bezier(.2,.7,.2,1)}
.fbar .meta{font-size:13.5px;color:var(--dim)}.fbar .meta b{color:var(--text);display:block;font-size:15px}

/* rows */
.rows{border:1px solid var(--line);border-radius:16px;overflow:hidden;backdrop-filter:blur(6px)}
.rows .r{display:flex;align-items:center;gap:14px;padding:16px 20px;border-bottom:1px solid var(--line)}
.rows .r:last-child{border-bottom:none}
.rows .r .k{font-weight:600}.rows .r .v{margin-left:auto;color:var(--em);font-weight:700;font-variant-numeric:tabular-nums}
.rows .r .d{color:var(--dim);font-size:13.5px}

/* roadmap */
.road{display:grid;grid-template-columns:repeat(5,1fr);gap:0}
@media(max-width:820px){.road{grid-template-columns:1fr;gap:14px}}
.road .ph{padding:24px 18px;border-top:2px solid var(--line);position:relative}
.road .ph.live{border-top-color:var(--em)}
.road .ph .dot{width:13px;height:13px;border-radius:50%;background:var(--bg1);border:2px solid var(--faint);position:absolute;top:-8px;left:18px}
.road .ph.live .dot{background:var(--em);border-color:var(--em);box-shadow:0 0 0 5px var(--em-soft)}
.road .ph .t{font-size:12px;color:var(--em);font-weight:700;letter-spacing:.5px}
.road .ph h3{font-size:16px;margin:6px 0 6px}.road .ph p{font-size:13px;color:var(--dim)}

/* CTA */
.cta{background:linear-gradient(135deg,rgba(52,227,170,.14),rgba(76,201,255,.06));
  border:1px solid var(--line2);border-radius:26px;padding:60px;text-align:center;position:relative;overflow:hidden}
.cta::before{content:"";position:absolute;width:400px;height:400px;border-radius:50%;background:rgba(52,227,170,.18);filter:blur(80px);top:-160px;left:50%;transform:translateX(-50%)}
.cta h2{margin-bottom:14px}.cta .who{margin-top:30px;color:var(--dim);font-size:14px}.cta .who b{color:var(--text)}

footer{padding:44px 0;border-top:1px solid var(--line);color:var(--faint);font-size:13px}
.foot-in{display:flex;flex-wrap:wrap;gap:14px;align-items:center;justify-content:space-between}
.confid{font-size:11px;color:var(--faint);border:1px solid var(--line);padding:3px 9px;border-radius:6px}

/* ---------- scroll reveal motion ---------- */
.rev{opacity:0;transform:translateY(28px);filter:blur(6px);transition:opacity .8s cubic-bezier(.2,.7,.2,1),transform .8s cubic-bezier(.2,.7,.2,1),filter .8s}
.rev.in{opacity:1;transform:none;filter:none}
.stagger>*{opacity:0;transform:translateY(24px);transition:.7s cubic-bezier(.2,.7,.2,1)}
.stagger.in>*{opacity:1;transform:none}
.stagger.in>*:nth-child(2){transition-delay:.08s}
.stagger.in>*:nth-child(3){transition-delay:.16s}
.stagger.in>*:nth-child(4){transition-delay:.24s}
.stagger.in>*:nth-child(5){transition-delay:.32s}
.hero .anim{opacity:0;transform:translateY(26px);animation:heroIn .9s cubic-bezier(.2,.7,.2,1) forwards}
.hero .anim:nth-child(2){animation-delay:.1s}.hero .anim:nth-child(3){animation-delay:.2s}
.hero .anim:nth-child(4){animation-delay:.3s}.hero .anim:nth-child(5){animation-delay:.42s}.hero .anim:nth-child(6){animation-delay:.54s}
@keyframes heroIn{to{opacity:1;transform:none}}
@media(prefers-reduced-motion:reduce){.rev,.stagger>*,.hero .anim{opacity:1!important;transform:none!important;filter:none!important;animation:none!important}}

/* ============ DEMO — Merchant Dashboard ============ */
.app{min-height:100vh;display:flex;flex-direction:column}
.app-bar{position:sticky;top:0;z-index:30;backdrop-filter:blur(16px);background:rgba(10,14,26,.82);border-bottom:1px solid var(--line)}
.app-bar-in{display:flex;align-items:center;gap:14px;height:62px}
.mstore{display:flex;align-items:center;gap:11px}
.mstore .av{width:38px;height:38px;border-radius:10px;background:linear-gradient(135deg,#ffb35c,#ff7a59);display:flex;align-items:center;justify-content:center;font-weight:800;color:#3a1500}
.mstore b{font-size:15px}.mstore small{display:block;color:var(--faint);font-size:12px}
.app-bar .right{margin-left:auto;display:flex;gap:10px;align-items:center}
.pill{font-size:12px;color:var(--em);background:var(--em-soft);border:1px solid rgba(52,227,170,.25);padding:5px 11px;border-radius:20px;font-weight:600}
.tabs{display:flex;gap:6px;border-bottom:1px solid var(--line);background:rgba(255,255,255,.015);position:sticky;top:62px;z-index:20;backdrop-filter:blur(12px)}
.tabs .wrap{display:flex;gap:6px}
.tab{padding:15px 18px;font-size:14.5px;font-weight:600;color:var(--dim);cursor:pointer;border-bottom:2px solid transparent;transition:.15s}
.tab:hover{color:var(--text)}.tab.on{color:var(--text);border-bottom-color:var(--em)}
.panel{display:none;padding:28px 0 60px}.panel.on{display:block}
.dgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
@media(max-width:880px){.dgrid{grid-template-columns:1fr}}
.kpi{background:var(--surface);border:1px solid var(--line);border-radius:16px;padding:22px;backdrop-filter:blur(6px)}
.kpi .l{font-size:13px;color:var(--dim)}.kpi .v{font-size:30px;font-weight:800;margin-top:6px;letter-spacing:-.5px;font-variant-numeric:tabular-nums}
.kpi .ch{font-size:13px;margin-top:6px}.kpi .ch.up{color:var(--em)}
.box{background:var(--surface);border:1px solid var(--line);border-radius:16px;padding:22px;margin-top:16px;backdrop-filter:blur(6px)}
.box h3{font-size:16px;margin-bottom:14px;display:flex;align-items:center;gap:8px}
.box h3 .live{font-size:11px;color:var(--em);display:inline-flex;align-items:center;gap:5px;font-weight:600}
.box h3 .live::before{content:"";width:7px;height:7px;border-radius:50%;background:var(--em);animation:pulse 1.6s infinite}
@keyframes pulse{0%{box-shadow:0 0 0 0 rgba(52,227,170,.5)}70%{box-shadow:0 0 0 8px rgba(52,227,170,0)}100%{box-shadow:0 0 0 0 rgba(52,227,170,0)}}
.txn{display:flex;align-items:center;gap:12px;padding:11px 0;border-bottom:1px solid var(--line);animation:slidein .4s}
.txn:last-child{border-bottom:none}
@keyframes slidein{from{opacity:0;transform:translateY(-6px)}to{opacity:1;transform:none}}
.txn .ti{width:34px;height:34px;border-radius:9px;background:var(--surface2);display:flex;align-items:center;justify-content:center;font-size:15px;flex:none}
.txn .tt{font-size:14px;font-weight:600}.txn .ts{font-size:12px;color:var(--faint)}
.txn .amt{margin-left:auto;font-weight:700;color:var(--em);font-variant-numeric:tabular-nums}
.methods{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}
.method{text-align:center;padding:18px;border:1px solid var(--line);border-radius:13px;background:var(--surface)}
.method .mi{font-size:26px}.method .mn{font-size:13.5px;font-weight:600;margin-top:8px}.method .mv{font-size:12px;color:var(--faint)}
.offer{background:linear-gradient(135deg,rgba(52,227,170,.16),rgba(76,201,255,.06));border:1px solid var(--em);border-radius:22px;padding:32px;box-shadow:0 40px 100px -50px rgba(52,227,170,.6)}
.offer .badge{font-size:12px;font-weight:700;color:var(--em);letter-spacing:1px;text-transform:uppercase}
.offer .big{font-size:44px;font-weight:800;letter-spacing:-1px;margin:8px 0;font-variant-numeric:tabular-nums}
.offer .sub{color:var(--dim);font-size:14px;margin-bottom:20px}
.slider{width:100%;-webkit-appearance:none;height:6px;border-radius:4px;background:var(--surface2);outline:none;margin:8px 0}
.slider::-webkit-slider-thumb{-webkit-appearance:none;width:22px;height:22px;border-radius:50%;background:var(--em);cursor:pointer;box-shadow:0 4px 12px rgba(52,227,170,.5)}
.terms{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin:18px 0}
.term{background:rgba(0,0,0,.2);border:1px solid var(--line);border-radius:12px;padding:14px;text-align:center}
.term .tl{font-size:12px;color:var(--dim)}.term .tv{font-size:18px;font-weight:700;margin-top:3px;font-variant-numeric:tabular-nums}
.gauge-wrap{display:flex;align-items:center;gap:20px}.score{font-size:40px;font-weight:800;font-variant-numeric:tabular-nums}
.bars7{display:flex;align-items:flex-end;gap:8px;height:120px}
.bars7 .b{flex:1;background:linear-gradient(180deg,#43f5b8,#1fc28c);border-radius:5px 5px 0 0;min-height:6px;transition:height .6s}
.modal{position:fixed;inset:0;z-index:100;background:rgba(3,6,12,.72);backdrop-filter:blur(6px);display:none;align-items:center;justify-content:center;padding:20px}
.modal.on{display:flex}
.modal .m{background:var(--bg1);border:1px solid var(--line2);border-radius:22px;padding:36px;max-width:420px;text-align:center;animation:pop .3s}
@keyframes pop{from{opacity:0;transform:scale(.94)}to{opacity:1;transform:none}}
.modal .ok{width:64px;height:64px;border-radius:50%;background:var(--em-soft);border:1px solid var(--em);display:flex;align-items:center;justify-content:center;font-size:30px;margin:0 auto 18px;color:var(--em)}
.invest-card{display:flex;align-items:center;gap:16px;padding:18px;border:1px solid var(--line);border-radius:14px;background:var(--surface);margin-bottom:12px}
.invest-card .ii{width:44px;height:44px;border-radius:11px;background:var(--em-soft);display:flex;align-items:center;justify-content:center;font-size:20px}
.invest-card .iv{margin-left:auto;text-align:right}.invest-card .iy{color:var(--em);font-weight:700}