/* ==========================================================================
   Financial Access Guide - FINANCIAL SERVICES MASTER STYLESHEET
   Clean, modern, high-trust fintech color scheme & responsive design system
   ========================================================================== */

:root {
  /* Brand Color Palette - Deep Navy, Sapphire Blue, Mint/Emerald Accent */
  --primary-950: #070d1e;
  --primary-900: #0a1128;
  --primary-800: #0e1e40;
  --primary-700: #1c2d5a;
  --primary-600: #2a3f75;
  
  --blue-600: #2563eb;
  --blue-700: #1d4ed8;
  --blue-500: #3b82f6;
  --blue-100: #dbeafe;
  --blue-50: #eff6ff;

  --emerald-600: #059669;
  --emerald-500: #10b981;
  --emerald-400: #34d399;
  --emerald-100: #d1fae5;
  --emerald-50: #ecfdf5;

  --amber-500: #f59e0b;
  --amber-400: #fbbf24;
  --amber-100: #fef3c7;

  --cyan-500: #06b6d4;
  --cyan-100: #cffafe;

  --slate-900: #0f172a;
  --slate-800: #1e293b;
  --slate-700: #334155;
  --slate-600: #475569;
  --slate-500: #64748b;
  --slate-400: #94a3b8;
  --slate-300: #cbd5e1;
  --slate-200: #e2e8f0;
  --slate-100: #f1f5f9;
  --slate-50: #f8fafc;
  --white: #ffffff;

  /* Typography */
  --font-sans: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Helvetica, Arial, sans-serif;
  
  /* Gradients */
  --grad-hero: linear-gradient(135deg, #070d1e 0%, #0e1e40 50%, #172554 100%);
  --grad-primary: linear-gradient(135deg, #2563eb 0%, #1d4ed8 100%);
  --grad-emerald: linear-gradient(135deg, #059669 0%, #10b981 100%);
  --grad-accent: linear-gradient(135deg, #2563eb 0%, #10b981 100%);
  --grad-amber: linear-gradient(135deg, #f59e0b 0%, #d97706 100%);
  --grad-card: linear-gradient(180deg, #ffffff 0%, #f8fafc 100%);
  --grad-dark-card: linear-gradient(180deg, rgba(255, 255, 255, 0.07) 0%, rgba(255, 255, 255, 0.02) 100%);

  /* Shadows */
  --shadow-xs: 0 1px 2px rgba(15, 23, 42, 0.05);
  --shadow-sm: 0 2px 6px rgba(15, 23, 42, 0.06);
  --shadow-md: 0 6px 18px rgba(15, 23, 42, 0.08);
  --shadow-lg: 0 14px 34px rgba(15, 23, 42, 0.10);
  --shadow-xl: 0 22px 50px rgba(15, 23, 42, 0.14);
  --shadow-glow: 0 0 25px rgba(37, 99, 235, 0.35);

  /* Radius */
  --radius-sm: 8px;
  --radius-md: 12px;
  --radius-lg: 18px;
  --radius-xl: 26px;
  --radius-full: 9999px;

  /* Layout */
  --max-width: 1240px;
  --header-height: 76px;
}

/* ==========================================================================
   RESET & BASE STYLES
   ========================================================================== */
*, *::before, *::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

html {
  font-family: var(--font-sans);
  font-size: 16px;
  line-height: 1.6;
  color: var(--slate-800);
  background-color: var(--slate-50);
  scroll-behavior: smooth;
  -webkit-text-size-adjust: 100%;
}

body {
  min-height: 100vh;
  display: flex;
  flex-direction: column;
  overflow-x: hidden;
  position: relative;
}

img, svg {
  display: inline-block;
  vertical-align: middle;
  max-width: 100%;
}

a {
  color: inherit;
  text-decoration: none;
  transition: all 0.2s ease;
}

button, input, select, textarea {
  font-family: inherit;
  font-size: inherit;
  line-height: inherit;
}

/* ==========================================================================
   UTILITY & CONTAINER CLASSES
   ========================================================================== */
.container {
  width: 100%;
  max-width: var(--max-width);
  margin-left: auto;
  margin-right: auto;
  padding-left: 24px;
  padding-right: 24px;
}

.section {
  padding-top: 80px;
  padding-bottom: 80px;
  position: relative;
}

.section-dark {
  background: var(--grad-hero);
  color: var(--white);
}

.section-light {
  background-color: var(--slate-50);
}

.section-white {
  background-color: var(--white);
}

.text-center { text-align: center; }
.text-left { text-align: left; }
.text-right { text-align: right; }

.section-header {
  text-align: center;
  max-width: 760px;
  margin: 0 auto 56px auto;
}

.badge-pill {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 6px 16px;
  border-radius: var(--radius-full);
  font-size: 0.8125rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  background: var(--blue-50);
  color: var(--blue-700);
  border: 1px solid var(--blue-100);
  margin-bottom: 14px;
}

.badge-pill.dark {
  background: rgba(255, 255, 255, 0.1);
  color: var(--emerald-400);
  border-color: rgba(255, 255, 255, 0.2);
}

.section-title {
  font-size: 2.25rem;
  font-weight: 800;
  line-height: 1.25;
  color: var(--slate-900);
  margin-bottom: 16px;
  letter-spacing: -0.02em;
}

.section-dark .section-title {
  color: var(--white);
}

.section-desc {
  font-size: 1.125rem;
  color: var(--slate-600);
  line-height: 1.7;
}

.section-dark .section-desc {
  color: var(--slate-300);
}

.grad-text {
  background: var(--grad-accent);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  display: inline-block;
}

.grad-text-emerald {
  background: var(--grad-emerald);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  display: inline-block;
}

/* ==========================================================================
   BUTTONS & CTA
   ========================================================================== */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  padding: 13px 28px;
  border-radius: var(--radius-full);
  font-size: 0.975rem;
  font-weight: 600;
  cursor: pointer;
  border: 1px solid transparent;
  transition: all 0.25s cubic-bezier(0.16, 1, 0.3, 1);
  text-align: center;
  white-space: nowrap;
}

.btn-primary {
  background: var(--grad-primary);
  color: var(--white);
  box-shadow: 0 4px 14px rgba(37, 99, 235, 0.35);
}

.btn-primary:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(37, 99, 235, 0.45);
  background: linear-gradient(135deg, #1d4ed8 0%, #1e40af 100%);
  color: var(--white);
}

.btn-emerald {
  background: var(--grad-emerald);
  color: var(--white);
  box-shadow: 0 4px 14px rgba(16, 185, 129, 0.35);
}

.btn-emerald:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(16, 185, 129, 0.45);
  color: var(--white);
}

.btn-secondary {
  background: var(--white);
  color: var(--slate-800);
  border-color: var(--slate-200);
  box-shadow: var(--shadow-sm);
}

.btn-secondary:hover {
  background: var(--slate-100);
  border-color: var(--slate-300);
  transform: translateY(-2px);
}

.btn-outline-white {
  background: rgba(255, 255, 255, 0.08);
  color: var(--white);
  border-color: rgba(255, 255, 255, 0.3);
}

.btn-outline-white:hover {
  background: var(--white);
  color: var(--slate-900);
  border-color: var(--white);
  transform: translateY(-2px);
}

.btn-sm {
  padding: 8px 18px;
  font-size: 0.875rem;
}

.btn-lg {
  padding: 16px 36px;
  font-size: 1.05rem;
}

.btn-block {
  width: 100%;
}

/* ==========================================================================
   TOP CONTACT BAR
   ========================================================================== */
.topbar {
  background-color: var(--primary-950);
  color: var(--slate-400);
  font-size: 0.8125rem;
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
  padding: 8px 0;
  display: block;
}

.topbar-content {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
}

.topbar-items {
  display: flex;
  align-items: center;
  gap: 24px;
  flex-wrap: wrap;
}

.topbar-item {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  color: var(--slate-300);
}

.topbar-item:hover {
  color: var(--emerald-400);
}

.topbar-badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  color: var(--emerald-400);
  font-weight: 500;
}

/* ==========================================================================
   HEADER & NAVBAR
   ========================================================================== */
.header {
  position: sticky;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  background-color: rgba(255, 255, 255, 0.95);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--slate-200);
  transition: all 0.3s ease;
  height: var(--header-height);
  display: flex;
  align-items: center;
}

.header.scrolled {
  background-color: rgba(255, 255, 255, 0.98);
  box-shadow: 0 4px 20px rgba(15, 23, 42, 0.08);
  border-bottom-color: transparent;
}

.nav-container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  width: 100%;
}

.brand-logo {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  font-size: 1.35rem;
  font-weight: 800;
  color: var(--slate-900);
  letter-spacing: -0.02em;
}

.brand-icon {
  width: 42px;
  height: 42px;
  background: var(--grad-primary);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--white);
  font-size: 1.3rem;
  box-shadow: 0 4px 12px rgba(37, 99, 235, 0.3);
  transition: transform 0.25s ease;
}

.brand-logo:hover .brand-icon {
  transform: rotate(8deg) scale(1.06);
}

.brand-text {
  display: flex;
  flex-direction: column;
}

.brand-name {
  line-height: 1.1;
  color: var(--slate-900);
}

.brand-tag {
  font-size: 0.7rem;
  font-weight: 600;
  color: var(--blue-600);
  letter-spacing: 0.06em;
  text-transform: uppercase;
}

.nav-menu {
  display: flex;
  align-items: center;
  gap: 8px;
  list-style: none;
}

.nav-link {
  padding: 8px 16px;
  border-radius: var(--radius-full);
  font-size: 0.95rem;
  font-weight: 600;
  color: var(--slate-600);
  transition: all 0.2s ease;
}

.nav-link:hover {
  color: var(--blue-600);
  background-color: var(--blue-50);
}

.nav-link.active {
  color: var(--blue-700);
  background-color: var(--blue-100);
  font-weight: 700;
}

.header-actions {
  display: flex;
  align-items: center;
  gap: 12px;
}

.menu-toggle {
  display: none;
  background: transparent;
  border: none;
  cursor: pointer;
  padding: 8px;
  color: var(--slate-800);
  font-size: 1.5rem;
}

/* Mobile Menu Drawer */
.mobile-nav {
  display: none;
  position: absolute;
  top: 100%;
  left: 0;
  right: 0;
  background-color: var(--white);
  border-bottom: 1px solid var(--slate-200);
  padding: 20px 24px 28px 24px;
  box-shadow: 0 20px 30px rgba(15, 23, 42, 0.12);
  flex-direction: column;
  gap: 12px;
}

.mobile-nav.open {
  display: flex;
}

.mobile-nav .nav-link {
  padding: 12px 16px;
  border-radius: var(--radius-md);
  font-size: 1.05rem;
  display: block;
}

.mobile-nav .btn {
  margin-top: 10px;
}

/* ==========================================================================
   PAGE HERO / BANNER (FOR INTERNAL PAGES)
   ========================================================================== */
.page-hero {
  background: var(--grad-hero);
  color: var(--white);
  padding: 70px 0 60px 0;
  position: relative;
  overflow: hidden;
  text-align: center;
}

.page-hero-content {
  position: relative;
  z-index: 2;
  max-width: 800px;
  margin: 0 auto;
}

.breadcrumb {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 0.875rem;
  color: var(--slate-300);
  margin-bottom: 16px;
}

.breadcrumb a {
  color: var(--slate-300);
}

.breadcrumb a:hover {
  color: var(--white);
  text-decoration: underline;
}

.breadcrumb-sep {
  opacity: 0.5;
}

.page-hero-title {
  font-size: 2.75rem;
  font-weight: 800;
  line-height: 1.2;
  margin-bottom: 16px;
  color: var(--white);
  letter-spacing: -0.02em;
}

.page-hero-desc {
  font-size: 1.15rem;
  color: var(--slate-300);
  max-width: 650px;
  margin: 0 auto;
  line-height: 1.65;
}

/* Decorative Ambient Orbs */
.ambient-orb {
  position: absolute;
  border-radius: 50%;
  filter: blur(80px);
  pointer-events: none;
  opacity: 0.25;
}

.orb-1 {
  width: 400px;
  height: 400px;
  background: var(--blue-600);
  top: -100px;
  right: -50px;
}

.orb-2 {
  width: 350px;
  height: 350px;
  background: var(--emerald-500);
  bottom: -80px;
  left: -80px;
}

.orb-3 {
  width: 250px;
  height: 250px;
  background: var(--cyan-500);
  top: 30%;
  left: 45%;
}

/* ==========================================================================
   HOMEPAGE HERO SECTION
   ========================================================================== */
.home-hero {
  background: var(--grad-hero);
  color: var(--white);
  padding: 100px 0 110px 0;
  position: relative;
  overflow: hidden;
  min-height: 85vh;
  display: flex;
  align-items: center;
}

.home-hero-grid {
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  gap: 48px;
  align-items: center;
  position: relative;
  z-index: 2;
}

.home-hero-title {
  font-size: 3.5rem;
  font-weight: 800;
  line-height: 1.12;
  margin-bottom: 24px;
  letter-spacing: -0.03em;
}

.home-hero-desc {
  font-size: 1.2rem;
  color: var(--slate-300);
  line-height: 1.7;
  margin-bottom: 36px;
  max-width: 560px;
}

.home-hero-cta {
  display: flex;
  align-items: center;
  gap: 16px;
  flex-wrap: wrap;
  margin-bottom: 48px;
}

.hero-stats {
  display: flex;
  align-items: center;
  gap: 32px;
  border-top: 1px solid rgba(255, 255, 255, 0.15);
  padding-top: 28px;
}

.stat-item {
  display: flex;
  flex-direction: column;
}

.stat-value {
  font-size: 2rem;
  font-weight: 800;
  color: var(--emerald-400);
  line-height: 1.1;
  letter-spacing: -0.02em;
}

.stat-label {
  font-size: 0.85rem;
  color: var(--slate-300);
  margin-top: 4px;
}

.hero-visual {
  position: relative;
  display: flex;
  align-items: center;
  justify-content: center;
}

.hero-visual-card-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 18px;
  width: 100%;
}

.hero-floating-card {
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.15);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  padding: 24px 20px;
  border-radius: var(--radius-lg);
  text-align: center;
  transition: all 0.3s ease;
  box-shadow: 0 10px 30px rgba(0, 0, 0, 0.2);
}

.hero-floating-card:hover {
  transform: translateY(-6px);
  background: rgba(255, 255, 255, 0.14);
  border-color: rgba(255, 255, 255, 0.3);
}

.hero-floating-card .icon {
  font-size: 2.25rem;
  margin-bottom: 10px;
  display: block;
}

.hero-floating-card .name {
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--white);
}

.hero-floating-card .desc {
  font-size: 0.775rem;
  color: var(--slate-300);
  margin-top: 4px;
}

/* ==========================================================================
   CARDS & GRIDS
   ========================================================================== */
.card-grid-3 {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}

.card-grid-2 {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 28px;
}

.card-grid-4 {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}

.feature-card {
  background: var(--white);
  border: 1px solid var(--slate-200);
  border-radius: var(--radius-xl);
  padding: 36px 30px;
  transition: all 0.3s cubic-bezier(0.16, 1, 0.3, 1);
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
  height: 100%;
  position: relative;
}

.feature-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-lg);
  border-color: var(--blue-200);
}

.card-icon-box {
  width: 60px;
  height: 60px;
  border-radius: var(--radius-md);
  background: var(--blue-50);
  color: var(--blue-600);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.75rem;
  margin-bottom: 22px;
  transition: transform 0.3s ease;
}

.feature-card:hover .card-icon-box {
  transform: scale(1.1);
  background: var(--grad-primary);
  color: var(--white);
}

.card-icon-emerald {
  background: var(--emerald-50);
  color: var(--emerald-600);
}

.feature-card:hover .card-icon-emerald {
  background: var(--grad-emerald);
  color: var(--white);
}

.feature-card-title {
  font-size: 1.3rem;
  font-weight: 700;
  color: var(--slate-900);
  margin-bottom: 12px;
  line-height: 1.3;
}

.feature-card-desc {
  font-size: 0.975rem;
  color: var(--slate-600);
  line-height: 1.65;
  margin-bottom: 20px;
  flex-grow: 1;
}

.feature-card-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 0.925rem;
  font-weight: 700;
  color: var(--blue-600);
  margin-top: auto;
}

.feature-card-link:hover {
  color: var(--blue-700);
  gap: 10px;
}

/* Dark Section Cards */
.section-dark .feature-card {
  background: rgba(255, 255, 255, 0.05);
  border-color: rgba(255, 255, 255, 0.12);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  box-shadow: 0 10px 30px rgba(0, 0, 0, 0.2);
}

.section-dark .feature-card:hover {
  background: rgba(255, 255, 255, 0.09);
  border-color: rgba(255, 255, 255, 0.25);
  box-shadow: 0 16px 40px rgba(0, 0, 0, 0.35);
}

.section-dark .feature-card-title {
  color: var(--white);
}

.section-dark .feature-card-desc {
  color: var(--slate-300);
}

.section-dark .card-icon-box {
  background: rgba(255, 255, 255, 0.1);
  color: var(--emerald-400);
}

.section-dark .feature-card:hover .card-icon-box {
  background: var(--grad-emerald);
  color: var(--white);
}

/* ==========================================================================
   SERVICE CATEGORY & SERVICE CARDS (SERVICES PAGE)
   ========================================================================== */
.services-category-block {
  margin-bottom: 72px;
  scroll-margin-top: 100px;
}

.category-header-wrap {
  display: flex;
  align-items: center;
  gap: 18px;
  margin-bottom: 32px;
  padding-bottom: 18px;
  border-bottom: 2px solid var(--slate-200);
}

.category-icon-large {
  width: 58px;
  height: 58px;
  border-radius: var(--radius-lg);
  background: var(--grad-primary);
  color: var(--white);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.85rem;
  box-shadow: 0 4px 14px rgba(37, 99, 235, 0.3);
  flex-shrink: 0;
}

.category-info h2 {
  font-size: 1.85rem;
  font-weight: 800;
  color: var(--slate-900);
  margin-bottom: 4px;
}

.category-info p {
  font-size: 1.05rem;
  color: var(--slate-600);
}

.service-item-card {
  background: var(--white);
  border: 1px solid var(--slate-200);
  border-radius: var(--radius-xl);
  padding: 32px;
  display: flex;
  flex-direction: column;
  transition: all 0.3s cubic-bezier(0.16, 1, 0.3, 1);
  box-shadow: var(--shadow-sm);
  height: 100%;
}

.service-item-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
  border-color: var(--blue-300);
}

.service-card-top {
  display: flex;
  align-items: center;
  gap: 14px;
  margin-bottom: 14px;
}

.service-badge-icon {
  width: 44px;
  height: 44px;
  border-radius: var(--radius-md);
  background: var(--blue-50);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.4rem;
  flex-shrink: 0;
}

.service-item-card h3 {
  font-size: 1.3rem;
  font-weight: 700;
  color: var(--slate-900);
  line-height: 1.25;
}

.service-tagline {
  font-size: 0.925rem;
  font-weight: 600;
  color: var(--emerald-600);
  margin-bottom: 14px;
}

.service-body-text {
  font-size: 0.95rem;
  color: var(--slate-600);
  line-height: 1.7;
  margin-bottom: 24px;
  flex-grow: 1;
}

.service-card-action {
  margin-top: auto;
  border-top: 1px solid var(--slate-100);
  padding-top: 18px;
  display: flex;
  align-items: center;
  justify-content: space-between;
}

/* Service Category Quick Filters */
.service-filter-nav {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  flex-wrap: wrap;
  margin-bottom: 48px;
}

.service-filter-btn {
  padding: 10px 20px;
  border-radius: var(--radius-full);
  font-size: 0.9rem;
  font-weight: 600;
  border: 1px solid var(--slate-200);
  background: var(--white);
  color: var(--slate-700);
  cursor: pointer;
  transition: all 0.2s ease;
  display: inline-flex;
  align-items: center;
  gap: 6px;
}

.service-filter-btn:hover {
  border-color: var(--blue-300);
  color: var(--blue-600);
  background: var(--blue-50);
}

.service-filter-btn.active {
  background: var(--blue-600);
  color: var(--white);
  border-color: var(--blue-600);
  box-shadow: 0 4px 12px rgba(37, 99, 235, 0.3);
}

/* ==========================================================================
   FORMS & INPUTS (CONTACT, NEWSLETTER, UNSUBSCRIBE)
   ========================================================================== */
.form-card {
  background: var(--white);
  border: 1px solid var(--slate-200);
  border-radius: var(--radius-xl);
  padding: 40px;
  box-shadow: var(--shadow-lg);
}

.form-grid-2 {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 20px;
}

.form-group {
  margin-bottom: 22px;
  display: flex;
  flex-direction: column;
}

.form-group.full-width {
  grid-column: 1 / -1;
}

.form-label {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.925rem;
  font-weight: 600;
  color: var(--slate-700);
  margin-bottom: 8px;
}

.form-label .req {
  color: #ef4444;
}

.form-control {
  width: 100%;
  padding: 14px 18px;
  border-radius: var(--radius-md);
  border: 1.5px solid var(--slate-200);
  background-color: var(--slate-50);
  color: var(--slate-900);
  font-size: 0.975rem;
  transition: all 0.2s ease;
  outline: none;
}

.form-control:focus {
  border-color: var(--blue-600);
  background-color: var(--white);
  box-shadow: 0 0 0 3px rgba(37, 99, 235, 0.15);
}

textarea.form-control {
  min-height: 130px;
  resize: vertical;
}

.form-checkbox-label {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  font-size: 0.875rem;
  color: var(--slate-600);
  cursor: pointer;
  line-height: 1.5;
  user-select: none;
}

.form-checkbox-label input[type="checkbox"] {
  width: 18px;
  height: 18px;
  margin-top: 2px;
  accent-color: var(--blue-600);
  cursor: pointer;
}

/* ==========================================================================
   TESTIMONIALS SLIDER & ACCORDION
   ========================================================================== */
.testimonial-container {
  max-width: 860px;
  margin: 0 auto;
  position: relative;
  overflow: hidden;
}

.testimonial-track {
  display: flex;
  transition: transform 0.5s cubic-bezier(0.16, 1, 0.3, 1);
  width: 100%;
}

.testimonial-slide {
  min-width: 100%;
  padding: 10px;
}

.testimonial-card-inner {
  background: var(--white);
  border: 1px solid var(--slate-200);
  border-radius: var(--radius-xl);
  padding: 48px;
  text-align: center;
  box-shadow: var(--shadow-md);
  position: relative;
}

.stars {
  font-size: 1.4rem;
  color: var(--amber-500);
  letter-spacing: 3px;
  margin-bottom: 20px;
}

.testimonial-quote {
  font-size: 1.25rem;
  font-style: italic;
  color: var(--slate-700);
  line-height: 1.7;
  margin-bottom: 32px;
}

.testimonial-author {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 8px;
}

.author-avatar {
  width: 64px;
  height: 64px;
  border-radius: 50%;
  background: var(--grad-primary);
  color: var(--white);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.75rem;
  box-shadow: 0 4px 12px rgba(37, 99, 235, 0.25);
  margin-bottom: 4px;
}

.author-name {
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--slate-900);
}

.author-role {
  font-size: 0.875rem;
  font-weight: 500;
  color: var(--slate-500);
}

.slider-controls {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 16px;
  margin-top: 28px;
}

.slider-btn {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: var(--white);
  border: 1px solid var(--slate-200);
  color: var(--slate-700);
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  font-size: 1.2rem;
  transition: all 0.2s ease;
  box-shadow: var(--shadow-xs);
}

.slider-btn:hover {
  background: var(--blue-50);
  border-color: var(--blue-300);
  color: var(--blue-600);
}

.slider-dots {
  display: flex;
  align-items: center;
  gap: 8px;
}

.dot {
  width: 10px;
  height: 10px;
  border-radius: 50%;
  background-color: var(--slate-300);
  cursor: pointer;
  transition: all 0.3s ease;
}

.dot.active {
  width: 28px;
  border-radius: var(--radius-full);
  background-color: var(--blue-600);
}

/* FAQ Accordion */
.faq-list {
  max-width: 860px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.faq-item {
  background: var(--white);
  border: 1px solid var(--slate-200);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-xs);
  transition: border-color 0.2s ease;
}

.faq-item:hover {
  border-color: var(--blue-200);
}

.faq-question {
  width: 100%;
  padding: 22px 26px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  background: transparent;
  border: none;
  cursor: pointer;
  text-align: left;
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--slate-900);
  gap: 16px;
  transition: background-color 0.2s ease;
}

.faq-question:hover {
  background-color: var(--slate-50);
}

.faq-icon {
  width: 32px;
  height: 32px;
  border-radius: 50%;
  background: var(--blue-50);
  color: var(--blue-600);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.25rem;
  font-weight: 400;
  flex-shrink: 0;
  transition: transform 0.3s ease, background 0.3s ease, color 0.3s ease;
}

.faq-item.active .faq-icon {
  transform: rotate(45deg);
  background: var(--blue-600);
  color: var(--white);
}

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.35s cubic-bezier(0.16, 1, 0.3, 1), padding 0.35s ease;
  padding: 0 26px;
  background-color: var(--white);
}

.faq-item.active .faq-answer {
  max-height: 300px;
  padding: 0 26px 22px 26px;
}

.faq-answer p {
  font-size: 0.975rem;
  color: var(--slate-600);
  line-height: 1.7;
}

/* ==========================================================================
   LEGAL PAGES (TERMS & PRIVACY POLICY)
   ========================================================================== */
.legal-layout {
  display: grid;
  grid-template-columns: 280px 1fr;
  gap: 40px;
  align-items: flex-start;
}

.legal-sidebar {
  position: sticky;
  top: 100px;
  background: var(--white);
  border: 1px solid var(--slate-200);
  border-radius: var(--radius-lg);
  padding: 24px;
  box-shadow: var(--shadow-sm);
}

.legal-sidebar-title {
  font-size: 1rem;
  font-weight: 700;
  color: var(--slate-900);
  margin-bottom: 16px;
  padding-bottom: 10px;
  border-bottom: 1px solid var(--slate-200);
}

.legal-nav-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 6px;
  max-height: 60vh;
  overflow-y: auto;
}

.legal-nav-link {
  font-size: 0.85rem;
  color: var(--slate-600);
  padding: 6px 10px;
  border-radius: var(--radius-sm);
  display: block;
  line-height: 1.4;
}

.legal-nav-link:hover, .legal-nav-link.active {
  color: var(--blue-600);
  background-color: var(--blue-50);
  font-weight: 600;
}

.legal-content-card {
  background: var(--white);
  border: 1px solid var(--slate-200);
  border-radius: var(--radius-xl);
  padding: 48px;
  box-shadow: var(--shadow-sm);
}

.legal-section-block {
  margin-bottom: 40px;
  scroll-margin-top: 100px;
}

.legal-section-block:last-child {
  margin-bottom: 0;
}

.legal-section-title {
  font-size: 1.35rem;
  font-weight: 700;
  color: var(--slate-900);
  margin-bottom: 14px;
  display: flex;
  align-items: center;
  gap: 10px;
}

.legal-section-text {
  font-size: 1rem;
  color: var(--slate-700);
  line-height: 1.8;
}

/* ==========================================================================
   TOAST NOTIFICATION ENGINE
   ========================================================================== */
#toast-container {
  position: fixed;
  top: 24px;
  right: 24px;
  z-index: 999999;
  display: flex;
  flex-direction: column;
  gap: 14px;
  max-width: 420px;
  width: calc(100% - 48px);
  pointer-events: none;
}

.toast {
  pointer-events: auto;
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 18px 22px;
  box-shadow: 0 16px 40px rgba(15, 23, 42, 0.18), 0 0 0 1px rgba(15, 23, 42, 0.06);
  display: flex;
  align-items: flex-start;
  gap: 14px;
  position: relative;
  overflow: hidden;
  transform: translateX(110%);
  opacity: 0;
  transition: transform 0.4s cubic-bezier(0.16, 1, 0.3, 1), opacity 0.4s ease;
}

.toast.show {
  transform: translateX(0);
  opacity: 1;
}

.toast.hide {
  transform: translateX(110%);
  opacity: 0;
}

.toast-icon {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.25rem;
  flex-shrink: 0;
  margin-top: 2px;
}

.toast-success .toast-icon {
  background: var(--emerald-50);
  color: var(--emerald-600);
}

.toast-error .toast-icon {
  background: #fee2e2;
  color: #ef4444;
}

.toast-info .toast-icon {
  background: var(--blue-50);
  color: var(--blue-600);
}

.toast-content {
  flex-grow: 1;
}

.toast-title {
  font-size: 1rem;
  font-weight: 700;
  color: var(--slate-900);
  margin-bottom: 4px;
}

.toast-message {
  font-size: 0.875rem;
  color: var(--slate-600);
  line-height: 1.5;
}

.toast-close {
  background: transparent;
  border: none;
  color: var(--slate-400);
  cursor: pointer;
  padding: 4px;
  font-size: 1.1rem;
  line-height: 1;
  transition: color 0.2s ease;
}

.toast-close:hover {
  color: var(--slate-700);
}

.toast-progress {
  position: absolute;
  bottom: 0;
  left: 0;
  height: 4px;
  width: 100%;
  background: var(--emerald-500);
}

.toast-error .toast-progress {
  background: #ef4444;
}

.toast-info .toast-progress {
  background: var(--blue-600);
}

/* ==========================================================================
   FOOTER
   ========================================================================== */
.footer {
  background-color: var(--primary-950);
  color: var(--slate-300);
  padding: 80px 0 32px 0;
  position: relative;
  overflow: hidden;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  margin-top: auto;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1.2fr;
  gap: 40px;
  margin-bottom: 60px;
}

.footer-brand .brand-logo {
  color: var(--white);
  margin-bottom: 18px;
}

.footer-brand .brand-name {
  color: var(--white);
}

.footer-brand-text {
  font-size: 0.95rem;
  color: var(--slate-400);
  line-height: 1.7;
  margin-bottom: 24px;
}

.footer-trust-badges {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
}

.trust-badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 5px 12px;
  border-radius: var(--radius-sm);
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid rgba(255, 255, 255, 0.1);
  font-size: 0.775rem;
  color: var(--emerald-400);
  font-weight: 500;
}

.footer-heading {
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 20px;
  letter-spacing: -0.01em;
}

.footer-links {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.footer-links a {
  color: var(--slate-400);
  font-size: 0.925rem;
  transition: all 0.2s ease;
  display: inline-flex;
  align-items: center;
  gap: 6px;
}

.footer-links a:hover {
  color: var(--emerald-400);
  transform: translateX(4px);
}

.footer-contact-list {
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.footer-contact-item {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  font-size: 0.925rem;
  color: var(--slate-300);
}

.footer-contact-icon {
  color: var(--emerald-400);
  font-size: 1.15rem;
  margin-top: 2px;
  flex-shrink: 0;
}

.footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  padding-top: 32px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 16px;
  font-size: 0.85rem;
  color: var(--slate-400);
}

.footer-legal-links {
  display: flex;
  align-items: center;
  gap: 20px;
  flex-wrap: wrap;
}

.footer-legal-links a {
  color: var(--slate-400);
}

.footer-legal-links a:hover {
  color: var(--emerald-400);
  text-decoration: underline;
}

/* ==========================================================================
   RESPONSIVE DESIGN (MEDIA QUERIES)
   ========================================================================== */
@media (max-width: 1024px) {
  .home-hero-grid {
    grid-template-columns: 1fr;
    text-align: center;
  }
  .home-hero-desc {
    margin-left: auto;
    margin-right: auto;
  }
  .home-hero-cta {
    justify-content: center;
  }
  .hero-stats {
    justify-content: center;
  }
  .card-grid-3, .card-grid-4 {
    grid-template-columns: repeat(2, 1fr);
  }
  .footer-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .legal-layout {
    grid-template-columns: 1fr;
  }
  .legal-sidebar {
    position: static;
  }
}

@media (max-width: 768px) {
  .topbar {
    display: none;
  }
  .nav-menu, .header-actions .btn {
    display: none;
  }
  .menu-toggle {
    display: block;
  }
  .home-hero-title {
    font-size: 2.5rem;
  }
  .page-hero-title {
    font-size: 2.15rem;
  }
  .section-title {
    font-size: 1.85rem;
  }
  .card-grid-3, .card-grid-2, .card-grid-4 {
    grid-template-columns: 1fr;
  }
  .footer-grid {
    grid-template-columns: 1fr;
  }
  .form-grid-2 {
    grid-template-columns: 1fr;
  }
  .form-card {
    padding: 24px 20px;
  }
  .testimonial-card-inner {
    padding: 32px 20px;
  }
  .testimonial-quote {
    font-size: 1.05rem;
  }
  .hero-visual-card-grid {
    grid-template-columns: 1fr 1fr;
  }
  .footer-bottom {
    flex-direction: column;
    text-align: center;
  }
  .footer-legal-links {
    justify-content: center;
  }
}