/* SME BANKING — support pillars, programme band and ROI grid
   (gold #fdb813 · dark #1a1200 · Montserrat + Inter) */

/* SUPPORT PILLARS (how we support SMEs) */
.sme-pillars {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 20px;
  max-width: 1280px;
  margin: 0 auto;
}

.sme-pillar {
  position: relative;
  padding: 32px 28px;
  background: var(--white);
  border: 1px solid rgba(0, 0, 0, 0.07);
  border-radius: 18px;
  transition: transform 0.35s cubic-bezier(0.16, 1, 0.3, 1),
    box-shadow 0.35s cubic-bezier(0.16, 1, 0.3, 1);
}

.sme-pillar:hover {
  transform: translateY(-3px);
  box-shadow: 0 12px 28px rgba(0, 0, 0, 0.04);
}

.sme-pillar-num {
  font-family: "Montserrat", sans-serif;
  font-size: 12px;
  font-weight: 800;
  letter-spacing: 0.14em;
  color: var(--gold);
  margin-bottom: 16px;
}

.sme-pillar h4 {
  font-family: "Montserrat", sans-serif;
  font-size: 17px;
  font-weight: 700;
  color: var(--ink);
  margin-bottom: 10px;
  line-height: 1.35;
}

.sme-pillar p {
  font-size: 14.5px;
  line-height: 1.65;
  color: var(--gray);
}

/* WHY CHOOSE US (reuses shared .val-card) */
.sme-why-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 20px;
  max-width: 1280px;
  margin: 0 auto;
}

/* PROGRAMME BAND (dark, split copy + benefit list) */
.sme-program {
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  gap: 48px;
  align-items: center;
  max-width: 1280px;
  margin: 0 auto;
  padding: 52px 48px;
  background: linear-gradient(135deg, #1a1200 0%, #0d0d0d 100%);
  border: 1px solid rgba(253, 184, 19, 0.18);
  border-radius: 22px;
}

.sme-eye {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 10.5px;
  font-weight: 700;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 12px;
}

.sme-eye span {
  width: 24px;
  height: 1px;
  background: var(--gold);
}

.sme-program h2 {
  font-family: "Montserrat", sans-serif;
  font-size: clamp(24px, 3vw, 32px);
  font-weight: 800;
  color: var(--white);
  line-height: 1.25;
  margin-bottom: 18px;
}

.sme-program h2 em {
  font-style: normal;
  color: var(--gold);
}

.sme-program p {
  font-size: 15.5px;
  line-height: 1.75;
  color: rgba(255, 255, 255, 0.72);
  margin-bottom: 26px;
}

.sme-program-list {
  display: grid;
  gap: 12px;
  list-style: none;
}

.sme-program-list li {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  padding: 14px 18px;
  background: rgba(255, 255, 255, 0.04);
  border: 1px solid rgba(253, 184, 19, 0.14);
  border-radius: 12px;
  font-size: 14.5px;
  font-weight: 500;
  color: rgba(255, 255, 255, 0.9);
}

.sme-program-list svg {
  flex-shrink: 0;
  width: 18px;
  height: 18px;
  margin-top: 1px;
  stroke: var(--gold);
}

/* ROI GRID (what SME leaders take away) */
.sme-roi {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
  max-width: 1280px;
  margin: 0 auto;
}

.sme-roi-item {
  display: flex;
  flex-direction: column;
  padding: 28px 26px;
  background: var(--white);
  border: 1px solid rgba(0, 0, 0, 0.06);
  border-radius: 18px;
  box-shadow: 0 1px 1px rgba(20, 16, 0, 0.02);
  transition:
    transform 0.45s cubic-bezier(0.22, 1, 0.36, 1),
    box-shadow 0.45s ease,
    border-color 0.3s ease;
}

.sme-roi-item:hover {
  transform: translateY(-3px);
  border-color: rgba(253, 184, 19, 0.45);
  box-shadow: 0 6px 16px rgba(20, 16, 0, 0.05);
}

.sme-roi-item.featured {
  grid-column: span 2;
  background: linear-gradient(135deg, var(--gold-pale) 0%, #fff 70%);
  border-color: rgba(253, 184, 19, 0.32);
}

.sme-roi-ico {
  width: 40px;
  height: 40px;
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 16px;
  color: #b37a00;
  background: rgba(253, 184, 19, 0.14);
  transition: background 0.3s ease, transform 0.45s cubic-bezier(0.22, 1, 0.36, 1);
}

.sme-roi-item:hover .sme-roi-ico {
  background: rgba(253, 184, 19, 0.28);
  transform: scale(1.06);
}

.sme-roi-ico svg {
  width: 19px;
  height: 19px;
}

.sme-roi-item h4 {
  font-family: "Inter", sans-serif;
  font-size: 15.5px;
  font-weight: 700;
  letter-spacing: -0.01em;
  color: var(--ink);
  margin-bottom: 9px;
}

.sme-roi-item.featured h4 {
  font-size: 19px;
}

.sme-roi-item p {
  font-size: 13.5px;
  line-height: 1.7;
  color: var(--gray);
}

.sme-roi-item.featured p {
  font-size: 14.5px;
  max-width: 46ch;
}

/* Exclusive benefit callout */
.sme-exclusive {
  max-width: 1280px;
  margin: 0 auto;
  padding: 38px 44px;
  background: var(--gold-pale);
  border: 1px solid rgba(253, 184, 19, 0.35);
  border-radius: 20px;
  text-align: center;
}

.sme-exclusive h3 {
  font-family: "Montserrat", sans-serif;
  font-size: clamp(20px, 2.4vw, 26px);
  font-weight: 800;
  color: var(--ink);
  margin-bottom: 12px;
}

.sme-exclusive p {
  max-width: 720px;
  margin: 0 auto;
  font-size: 15.5px;
  line-height: 1.75;
  color: #6b5a2e;
}

/* See also grid */
.sme-next-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 18px;
  max-width: 1280px;
  margin: 0 auto;
}

/* Responsive */
.sme-media {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 56px;
  align-items: center;
  max-width: 1180px;
  margin: 0 auto;
}

.sme-media + .sme-media {
  margin-top: 88px;
}

.sme-media.reverse .sme-media-visual {
  order: 2;
}

.sme-media-visual {
  position: relative;
}

.sme-media-frame {
  position: relative;
  aspect-ratio: 4 / 3;
  border-radius: 22px;
  overflow: hidden;
  border: 1px solid rgba(0, 0, 0, 0.06);
  box-shadow: 0 12px 30px rgba(20, 16, 0, 0.06);
}

.sme-media-frame img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
  transition: transform 0.8s cubic-bezier(0.22, 1, 0.36, 1);
}

.sme-media:hover .sme-media-frame img {
  transform: scale(1.03);
}

.sme-media-badge {
  position: absolute;
  left: 20px;
  bottom: 20px;
  z-index: 2;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 9px 16px;
  border-radius: 30px;
  background: rgba(255, 255, 255, 0.94);
  backdrop-filter: blur(6px);
  -webkit-backdrop-filter: blur(6px);
  font-family: "Inter", sans-serif;
  font-size: 11.5px;
  font-weight: 700;
  letter-spacing: 0.04em;
  color: #1a1a1a;
}

.sme-media-badge::before {
  content: "";
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--gold);
}

.sme-media-copy .eyebrow {
  margin-bottom: 14px;
}

.sme-media-copy h2 {
  font-family: "Inter", sans-serif;
  font-weight: 800;
  font-size: clamp(24px, 2.6vw, 33px);
  line-height: 1.18;
  letter-spacing: -0.02em;
  color: #1a1a1a;
  margin-bottom: 16px;
}

.sme-media-copy h2 em {
  font-style: normal;
  color: var(--gold);
}

.sme-media-copy > p {
  font-size: 15px;
  line-height: 1.8;
  color: #5e5e57;
}

.sme-media-points {
  margin-top: 24px;
  display: flex;
  flex-direction: column;
  gap: 14px;
}

.sme-media-point {
  display: flex;
  align-items: flex-start;
  gap: 13px;
  font-size: 14px;
  line-height: 1.6;
  color: #3a3a35;
}

.sme-media-point svg {
  flex-shrink: 0;
  width: 20px;
  height: 20px;
  padding: 4px;
  margin-top: 1px;
  border-radius: 50%;
  color: #b37a00;
  background: rgba(253, 184, 19, 0.16);
}

.sme-media-point strong {
  color: #1a1a1a;
  font-weight: 700;
}

@media (max-width: 1100px) {
  .sme-media {
    grid-template-columns: 1fr;
    gap: 32px;
  }

  .sme-roi {
    grid-template-columns: 1fr 1fr;
  }

  .sme-media.reverse .sme-media-visual {
    order: 0;
  }

  .sme-media + .sme-media {
    margin-top: 64px;
  }

  .sme-pillars,
  .sme-next-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

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

  .sme-program {
    grid-template-columns: 1fr;
    gap: 34px;
    padding: 44px 36px;
  }
}

@media (max-width: 760px) {
  .sme-media-frame {
    aspect-ratio: 3 / 2;
    border-radius: 16px;
  }

  .sme-roi {
    grid-template-columns: 1fr;
  }

  .sme-roi-item.featured {
    grid-column: auto;
  }

  .sme-pillars,
  .sme-next-grid,
  .sme-why-grid {
    grid-template-columns: 1fr;
  }

  .sme-program {
    padding: 34px 24px;
  }

  .sme-exclusive {
    padding: 30px 24px;
  }
}