/**
 * Uslug-Line - Main Stylesheet
 * Emerald & Gold Premium Banking Design
 */

/* =============================================
   CSS VARIABLES
   ============================================= */
:root {
    --emerald: #0D9B6A;
    --emerald-dark: #087A53;
    --emerald-light: #10B981;
    --emerald-50: #ecfdf5;
    --gold: #D4A843;
    --gold-light: #E8C468;
    --gold-dark: #B8922E;
    --bg-dark: #0F1923;
    --bg-darker: #0A1018;
    --bg-card: #162332;
    --bg-light: #F5F7FA;
    --bg-white: #FFFFFF;
    --text-primary: #1A2332;
    --text-secondary: #6B7A8D;
    --text-light: #FFFFFF;
    --text-muted: #94A3B8;
    --success: #10B981;
    --error: #EF4444;
    --warning: #F59E0B;
    --info: #3B82F6;
    --border: #E2E8F0;
    --shadow-sm: 0 1px 3px rgba(0,0,0,0.08);
    --shadow-md: 0 4px 12px rgba(0,0,0,0.1);
    --shadow-lg: 0 8px 30px rgba(0,0,0,0.12);
    --shadow-xl: 0 20px 60px rgba(0,0,0,0.15);
    --radius-sm: 8px;
    --radius-md: 12px;
    --radius-lg: 16px;
    --radius-xl: 24px;
    --transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
}

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

html { scroll-behavior: smooth; }

body {
    font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
    font-size: 16px;
    line-height: 1.6;
    color: var(--text-primary);
    background: var(--bg-white);
    -webkit-font-smoothing: antialiased;
}

a { color: var(--emerald); text-decoration: none; transition: var(--transition); }
a:hover { color: var(--emerald-dark); }

img { max-width: 100%; height: auto; display: block; }

h1, h2, h3, h4, h5, h6 {
    font-weight: 700;
    line-height: 1.2;
    color: var(--text-primary);
}

.container {
    max-width: 1280px;
    margin: 0 auto;
    padding: 0 20px;
}

/* =============================================
   TOP BAR
   ============================================= */
.topbar {
    background: #0a1118;
    color: rgba(255, 255, 255, 0.7);
    font-size: 12px;
    padding: 10px 0;
    border-bottom: 1px solid rgba(255,255,255,0.03);
}

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

.topbar-left, .topbar-right {
    display: flex;
    align-items: center;
    gap: 20px;
}

.topbar a {
    color: rgba(255, 255, 255, 0.7);
    text-decoration: none;
    transition: var(--transition);
    display: flex;
    align-items: center;
    gap: 6px;
}

.topbar a:hover {
    color: var(--gold);
}

.topbar i {
    color: var(--emerald-light);
    font-size: 14px;
}

.topbar-right span {
    display: flex;
    align-items: center;
    gap: 6px;
}

.lang-selector {
    display: flex;
    align-items: center;
    gap: 6px;
    padding-left: 15px;
    border-left: 1px solid rgba(255,255,255,0.1);
    cursor: pointer;
}

.lang-selector img {
    width: 16px;
    height: auto;
    border-radius: 2px;
}

/* =============================================
   NAVBAR
   ============================================= */
.navbar {
    background: rgba(15, 25, 35, 0.95);
    backdrop-filter: blur(20px);
    -webkit-backdrop-filter: blur(20px);
    padding: 0;
    position: sticky;
    top: 0;
    z-index: 1000;
    border-bottom: 1px solid rgba(255,255,255,0.05);
    transition: var(--transition);
}

.navbar.scrolled {
    background: rgba(15, 25, 35, 0.98);
    box-shadow: 0 4px 20px rgba(0,0,0,0.3);
}

.navbar .container {
    display: flex;
    align-items: center;
    justify-content: space-between;
    height: 82px;
}

.navbar-brand {
    display: flex;
    align-items: center;
    gap: 12px;
    text-decoration: none;
}

.logo-img {
    height: 60px;
    width: auto;
    max-width: 320px;
    object-fit: contain;
    display: block;
}

.brand-text {
    font-size: 22px;
    font-weight: 800;
    color: var(--text-light);
    letter-spacing: -0.5px;
}

.brand-accent { color: var(--gold); }

.logo-img-footer {
    height: 80px;
    width: 80px;
    object-fit: contain;
    margin-bottom: 15px;
    border-radius: 4px;
}

.navbar-menu {
    display: flex;
    align-items: center;
    gap: 30px;
}

.nav-links {
    display: flex;
    list-style: none;
    gap: 5px;
}

.nav-links > li > a {
    color: rgba(255,255,255,0.8);
    padding: 8px 16px;
    border-radius: var(--radius-sm);
    font-size: 14px;
    font-weight: 500;
    transition: var(--transition);
    display: flex;
    align-items: center;
    gap: 5px;
}

.nav-links > li > a:hover,
.nav-links > li > a.active {
    color: var(--text-light);
    background: rgba(13, 155, 106, 0.15);
}

.nav-links > li > a.active { border-bottom: 2px solid var(--gold); }

/* Dropdowns */
.has-dropdown { position: relative; }

.dropdown {
    position: absolute;
    top: 100%;
    left: 0;
    background: var(--bg-white);
    border-radius: var(--radius-md);
    box-shadow: var(--shadow-lg);
    min-width: 220px;
    padding: 8px;
    opacity: 0;
    visibility: hidden;
    transform: translateY(10px);
    transition: var(--transition);
    list-style: none;
    z-index: 100;
}

.has-dropdown:hover .dropdown {
    opacity: 1;
    visibility: visible;
    transform: translateY(0);
}

.dropdown li a {
    display: block;
    padding: 10px 16px;
    color: var(--text-primary);
    border-radius: var(--radius-sm);
    font-size: 14px;
}

.dropdown li a:hover {
    background: var(--emerald-50);
    color: var(--emerald);
}

/* Nav Buttons */
.nav-buttons {
    display: flex;
    gap: 10px;
}

/* Mobile Toggle */
.nav-toggle {
    display: none;
    flex-direction: column;
    gap: 5px;
    background: none;
    border: none;
    cursor: pointer;
    padding: 5px;
}

.nav-toggle span {
    width: 25px;
    height: 2px;
    background: var(--text-light);
    border-radius: 2px;
    transition: var(--transition);
}

.nav-toggle.active span:nth-child(1) {
    transform: translateY(7px) rotate(45deg);
}

.nav-toggle.active span:nth-child(2) {
    opacity: 0;
}

.nav-toggle.active span:nth-child(3) {
    transform: translateY(-7px) rotate(-45deg);
}

/* =============================================
   BUTTONS
   ============================================= */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    padding: 10px 24px;
    border: none;
    border-radius: var(--radius-sm);
    font-family: inherit;
    font-size: 14px;
    font-weight: 600;
    cursor: pointer;
    transition: var(--transition);
    text-decoration: none;
    white-space: nowrap;
}

.btn-emerald {
    background: linear-gradient(135deg, var(--emerald) 0%, var(--emerald-dark) 100%);
    color: var(--text-light);
}

.btn-emerald:hover {
    background: linear-gradient(135deg, var(--emerald-light) 0%, var(--emerald) 100%);
    color: var(--text-light);
    transform: translateY(-2px);
    box-shadow: 0 8px 25px rgba(13, 155, 106, 0.35);
}

.btn-gold {
    background: linear-gradient(135deg, var(--gold) 0%, var(--gold-light) 100%);
    color: var(--bg-dark);
}

.btn-gold:hover {
    background: linear-gradient(135deg, var(--gold-light) 0%, var(--gold) 100%);
    color: var(--bg-dark);
    transform: translateY(-2px);
    box-shadow: 0 8px 25px rgba(212, 168, 67, 0.35);
}

.btn-outline-light {
    background: transparent;
    color: var(--text-light);
    border: 1px solid rgba(255,255,255,0.3);
}

.btn-outline-light:hover {
    background: rgba(255,255,255,0.1);
    color: var(--text-light);
    border-color: rgba(255,255,255,0.6);
}

.btn-outline-emerald {
    background: transparent;
    color: var(--emerald);
    border: 2px solid var(--emerald);
}

.btn-outline-emerald:hover {
    background: var(--emerald);
    color: var(--text-light);
}

.btn-lg { padding: 14px 32px; font-size: 16px; border-radius: var(--radius-md); }
.btn-sm { padding: 6px 16px; font-size: 13px; }

/* =============================================
   HERO SECTION
   ============================================= */
.hero {
    position: relative;
    min-height: 85vh;
    display: flex;
    align-items: center;
    background:
        linear-gradient(90deg, rgba(10,16,24,0.94) 0%, rgba(15,25,35,0.84) 48%, rgba(15,25,35,0.55) 100%),
        url('../img/site/online-banking.jpg') center right / cover no-repeat;
    overflow: hidden;
}

.hero::before {
    content: '';
    position: absolute;
    top: -50%;
    right: -20%;
    width: 80%;
    height: 200%;
    background: radial-gradient(ellipse, rgba(13, 155, 106, 0.15) 0%, transparent 70%);
    animation: heroGlow 8s ease-in-out infinite alternate;
}

.hero::after {
    content: '';
    position: absolute;
    bottom: -30%;
    left: -10%;
    width: 60%;
    height: 150%;
    background: radial-gradient(ellipse, rgba(212, 168, 67, 0.08) 0%, transparent 60%);
    animation: heroGlow 10s ease-in-out 2s infinite alternate;
}

@keyframes heroGlow {
    0% { transform: translate(0, 0) scale(1); }
    100% { transform: translate(30px, -20px) scale(1.1); }
}

.hero-content {
    position: relative;
    z-index: 2;
    max-width: 650px;
    padding: 40px 0;
}

.hero-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: rgba(13, 155, 106, 0.15);
    border: 1px solid rgba(13, 155, 106, 0.3);
    color: var(--emerald-light);
    padding: 6px 16px;
    border-radius: 50px;
    font-size: 13px;
    font-weight: 500;
    margin-bottom: 24px;
}

.hero-badge i { font-size: 10px; }

.hero h1 {
    font-family: 'Playfair Display', serif;
    font-size: 52px;
    font-weight: 800;
    color: var(--text-light);
    line-height: 1.1;
    margin-bottom: 20px;
}

.hero h1 span { color: var(--gold); }

.hero p {
    font-size: 18px;
    color: rgba(255,255,255,0.7);
    line-height: 1.7;
    margin-bottom: 32px;
    max-width: 520px;
}

.hero-buttons {
    display: flex;
    gap: 15px;
    flex-wrap: wrap;
}

.hero-stats {
    display: flex;
    gap: 40px;
    margin-top: 50px;
    padding-top: 30px;
    border-top: 1px solid rgba(255,255,255,0.1);
}

.hero-stat h3 {
    font-size: 32px;
    color: var(--gold);
    font-weight: 800;
}

.hero-stat p {
    font-size: 14px;
    color: rgba(255,255,255,0.5);
    margin: 0;
}

/* =============================================
   SECTIONS
   ============================================= */
.section {
    padding: 80px 0;
}

.section-alt { background: var(--bg-light); }
.section-dark { background: var(--bg-dark); color: var(--text-light); }

.section-header {
    text-align: center;
    max-width: 700px;
    margin: 0 auto 50px;
}

.section-badge {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    color: var(--emerald);
    font-size: 14px;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 1px;
    margin-bottom: 12px;
}

.section-badge::before,
.section-badge::after {
    content: '';
    width: 30px;
    height: 2px;
    background: var(--gold);
    border-radius: 2px;
}

.section-header h2 {
    font-size: 36px;
    font-weight: 800;
    margin-bottom: 16px;
}

.section-dark .section-header h2 { color: var(--text-light); }

.section-header p {
    color: var(--text-secondary);
    font-size: 16px;
    line-height: 1.7;
}

.section-dark .section-header p { color: rgba(255,255,255,0.6); }

/* =============================================
   SERVICE CARDS
   ============================================= */
.services-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 30px;
}

.service-card {
    background: var(--bg-white);
    border-radius: var(--radius-lg);
    padding: 35px;
    box-shadow: var(--shadow-sm);
    border: 1px solid var(--border);
    transition: var(--transition);
    position: relative;
    overflow: hidden;
}

.service-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 4px;
    background: linear-gradient(90deg, var(--emerald), var(--gold));
    transform: scaleX(0);
    transition: var(--transition);
}

.service-card:hover {
    transform: translateY(-8px);
    box-shadow: var(--shadow-xl);
    border-color: rgba(13, 155, 106, 0.2);
}

.service-card:hover::before {
    transform: scaleX(1);
}

.service-icon {
    width: 60px;
    height: 60px;
    border-radius: var(--radius-md);
    background: linear-gradient(135deg, var(--emerald-50), rgba(13,155,106,0.1));
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 20px;
    font-size: 24px;
    color: var(--emerald);
}

.service-card h3 {
    font-size: 20px;
    margin-bottom: 12px;
}

.service-card p {
    color: var(--text-secondary);
    font-size: 15px;
    line-height: 1.6;
    margin-bottom: 20px;
}

.service-card .card-link {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    color: var(--emerald);
    font-weight: 600;
    font-size: 14px;
}

.service-card .card-link:hover { gap: 10px; color: var(--emerald-dark); }

.feature-image {
    width: 100%;
    min-height: 360px;
    border-radius: var(--radius-xl);
    object-fit: cover;
    box-shadow: var(--shadow-xl);
}

.visual-card {
    position: relative;
    overflow: hidden;
    border-radius: var(--radius-xl);
    min-height: 400px;
    box-shadow: var(--shadow-xl);
}

.visual-card img {
    width: 100%;
    height: 100%;
    min-height: inherit;
    object-fit: cover;
}

.visual-card-overlay {
    position: absolute;
    left: 24px;
    right: 24px;
    bottom: 24px;
    background: rgba(15, 25, 35, 0.82);
    color: var(--text-light);
    backdrop-filter: blur(12px);
    border: 1px solid rgba(255,255,255,0.12);
    border-radius: var(--radius-md);
    padding: 20px;
}

.service-card-media {
    width: calc(100% + 70px);
    height: 160px;
    margin: -35px -35px 24px;
    object-fit: cover;
}

/* =============================================
   ABOUT SECTION (Two columns)
   ============================================= */
.about-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 60px;
    align-items: center;
}

.about-features {
    display: flex;
    gap: 20px;
    margin-bottom: 20px;
}

.about-feature {
    display: flex;
    align-items: center;
    gap: 10px;
    padding: 12px 20px;
    background: var(--emerald-50);
    border-radius: var(--radius-sm);
    color: var(--emerald);
    font-weight: 600;
    font-size: 14px;
}

.about-feature i {
    color: var(--gold);
    font-size: 18px;
}

.about-text p {
    color: var(--text-secondary);
    font-size: 16px;
    line-height: 1.7;
    margin-bottom: 24px;
}

/* =============================================
   TWO-COL BOXES (Clients/Business)
   ============================================= */
.two-col-boxes {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 0;
}

.col-box {
    padding: 60px 50px;
    position: relative;
}

.col-box:first-child {
    background: linear-gradient(135deg, var(--bg-dark) 0%, #132a1f 100%);
    color: var(--text-light);
}

.col-box:last-child {
    background: linear-gradient(135deg, #1a2f25 0%, var(--bg-dark) 100%);
    color: var(--text-light);
}

.col-box h2 {
    color: var(--text-light);
    font-size: 28px;
    margin-bottom: 16px;
}

.col-box p {
    color: rgba(255,255,255,0.7);
    font-size: 15px;
    line-height: 1.7;
    margin-bottom: 24px;
}

.col-box .btn { margin-top: 10px; }

/* =============================================
   PAYMENT METHODS
   ============================================= */
.payments-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 20px;
}

.payment-card {
    background: var(--bg-white);
    border: 1px solid var(--border);
    border-radius: var(--radius-md);
    padding: 24px;
    display: flex;
    align-items: flex-start;
    gap: 16px;
    transition: var(--transition);
}

.payment-card:hover {
    border-color: var(--emerald);
    box-shadow: var(--shadow-md);
    transform: translateY(-3px);
}

.payment-logo {
    width: 50px;
    height: 50px;
    border-radius: var(--radius-sm);
    background: var(--bg-light);
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 800;
    font-size: 11px;
    color: var(--text-primary);
    flex-shrink: 0;
}

.payment-info h4 {
    font-size: 14px;
    font-weight: 700;
    margin-bottom: 4px;
}

.payment-info p {
    font-size: 12px;
    color: var(--text-secondary);
    margin: 0;
    line-height: 1.4;
}

.security-badges {
    display: flex;
    justify-content: center;
    gap: 20px;
    margin-top: 40px;
}

.security-badge {
    display: flex;
    align-items: center;
    gap: 8px;
    background: var(--emerald-50);
    border: 1px solid rgba(13,155,106,0.2);
    padding: 10px 20px;
    border-radius: 50px;
    font-size: 13px;
    font-weight: 600;
    color: var(--emerald-dark);
}

.security-badge i { color: var(--gold); }

/* =============================================
   LOAN CARDS
   ============================================= */
.loans-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 30px;
}

.loan-card {
    border-radius: var(--radius-lg);
    overflow: hidden;
    background: var(--bg-white);
    box-shadow: var(--shadow-md);
    transition: var(--transition);
    border: 1px solid var(--border);
}

.loan-card:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-xl);
}

.loan-card-img {
    height: 200px;
    background: linear-gradient(135deg, var(--emerald), var(--emerald-dark));
    display: flex;
    align-items: center;
    justify-content: center;
    position: relative;
    overflow: hidden;
}

.loan-card-img::after {
    content: '';
    position: absolute;
    inset: 0;
    background: linear-gradient(180deg, rgba(15,25,35,0.08), rgba(15,25,35,0.45));
}

.loan-card-img img {
    width: 100%;
    height: 100%;
    object-fit: cover;
}

.loan-card-img i {
    font-size: 60px;
    color: rgba(255,255,255,0.2);
}

.loan-card-icon {
    position: absolute;
    z-index: 2;
    bottom: -20px;
    left: 30px;
    width: 48px;
    height: 48px;
    background: var(--gold);
    border-radius: var(--radius-sm);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--bg-dark);
    font-size: 20px;
    box-shadow: var(--shadow-md);
}

.loan-card-body {
    padding: 35px 30px 30px;
}

.loan-card-body h3 {
    font-size: 20px;
    margin-bottom: 10px;
}

.loan-card-body p {
    color: var(--text-secondary);
    font-size: 14px;
    line-height: 1.6;
    margin-bottom: 20px;
}

/* =============================================
   CARD FEATURES
   ============================================= */
.card-features-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 60px;
    align-items: center;
}

.card-features-text h2 {
    font-size: 32px;
    margin-bottom: 16px;
}

.card-features-text p {
    color: var(--text-secondary);
    font-size: 16px;
    line-height: 1.7;
    margin-bottom: 30px;
}

.feature-list {
    list-style: none;
}

.feature-item {
    display: flex;
    align-items: flex-start;
    gap: 16px;
    padding: 16px 0;
    border-bottom: 1px solid var(--border);
}

.feature-item:last-child { border-bottom: none; }

.feature-item-icon {
    width: 44px;
    height: 44px;
    border-radius: var(--radius-sm);
    background: linear-gradient(135deg, var(--emerald-50), rgba(13,155,106,0.1));
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--emerald);
    font-size: 18px;
    flex-shrink: 0;
}

.feature-item h4 {
    font-size: 16px;
    margin-bottom: 4px;
}

.feature-item p {
    margin: 0;
    font-size: 14px;
    color: var(--text-secondary);
}

/* =============================================
   INVESTMENTS GRID
   ============================================= */
.investments-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 30px;
}

/* =============================================
   CTA SECTION
   ============================================= */
.cta-section {
    background: linear-gradient(135deg, var(--bg-dark) 0%, #0a2018 100%);
    padding: 80px 0;
    position: relative;
    overflow: hidden;
}

.cta-section::before {
    content: '';
    position: absolute;
    top: 0;
    right: 0;
    width: 40%;
    height: 100%;
    background: radial-gradient(ellipse, rgba(212,168,67,0.1) 0%, transparent 60%);
}

.cta-content {
    position: relative;
    z-index: 2;
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 60px;
    align-items: center;
}

.cta-text h2 {
    color: var(--text-light);
    font-size: 32px;
    margin-bottom: 16px;
}

.cta-text p {
    color: rgba(255,255,255,0.7);
    font-size: 16px;
    line-height: 1.7;
    margin-bottom: 24px;
}

.cta-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 20px;
}

.grid-2 {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 28px 32px;
}

.grid-3 {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 28px 32px;
}

.grid-2 .form-group,
.grid-3 .form-group {
    margin-bottom: 24px;
}

/* =============================================
   BADGES
   ============================================= */
.badge {
    display: inline-block;
    padding: 4px 12px;
    border-radius: 50px;
    font-size: 12px;
    font-weight: 600;
    line-height: 1.4;
}

.badge-success { background: rgba(16,185,129,0.1); color: #059669; }
.badge-danger { background: rgba(239,68,68,0.1); color: #DC2626; }
.badge-warning { background: rgba(245,158,11,0.1); color: #D97706; }
.badge-info { background: rgba(59,130,246,0.1); color: #2563EB; }
.badge-secondary { background: rgba(107,122,141,0.1); color: #64748B; }

/* =============================================
   FOOTER
   ============================================= */
.footer {
    background: var(--bg-dark);
    color: rgba(255,255,255,0.7);
}

.footer-top { padding: 60px 0 40px; }

.footer-grid {
    display: grid;
    grid-template-columns: 2fr 1fr 1fr 1fr 1fr;
    gap: 40px;
}

.footer-logo {
    display: flex;
    align-items: center;
    gap: 10px;
    margin-bottom: 16px;
}

.footer-logo .brand-text { font-size: 24px; }

.footer-brand-col > p {
    font-size: 14px;
    line-height: 1.7;
    margin-bottom: 20px;
    color: rgba(255,255,255,0.5);
}

.footer-app-btns {
    display: flex;
    gap: 10px;
    margin-bottom: 20px;
}

.app-btn {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 8px 16px;
    border: 1px solid rgba(255,255,255,0.15);
    border-radius: var(--radius-sm);
    color: rgba(255,255,255,0.7);
    font-size: 13px;
    transition: var(--transition);
}

.app-btn:hover {
    border-color: var(--gold);
    color: var(--gold);
}

.footer-actions {
    display: flex;
    flex-direction: column;
    gap: 8px;
}

.footer-actions a {
    color: rgba(255,255,255,0.5);
    font-size: 13px;
    display: flex;
    align-items: center;
    gap: 8px;
}

.footer-actions a:hover { color: var(--gold); }

.footer-col h3 {
    color: var(--text-light);
    font-size: 16px;
    margin-bottom: 20px;
    position: relative;
    padding-bottom: 10px;
}

.footer-col h3::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    width: 30px;
    height: 2px;
    background: var(--gold);
    border-radius: 2px;
}

.footer-support {
    font-size: 13px;
    color: var(--emerald-light);
    margin-bottom: 15px;
}

.footer-contact-list {
    list-style: none;
}

.footer-contact-list li {
    display: flex;
    align-items: flex-start;
    gap: 10px;
    margin-bottom: 12px;
    font-size: 13px;
}

.footer-contact-list li i { color: var(--gold); margin-top: 3px; }
.footer-contact-list li a { color: rgba(255,255,255,0.6); }
.footer-contact-list li a:hover { color: var(--gold); }

.footer-col ul { list-style: none; }

.footer-col ul li { margin-bottom: 10px; }

.footer-col ul li a {
    color: rgba(255,255,255,0.5);
    font-size: 14px;
    transition: var(--transition);
    display: flex;
    align-items: center;
    gap: 6px;
}

.footer-col ul li a:hover {
    color: var(--gold);
    padding-left: 5px;
}

.footer-bottom {
    border-top: 1px solid rgba(255,255,255,0.08);
    padding: 20px 0;
}

.footer-bottom .container {
    display: flex;
    justify-content: space-between;
    align-items: center;
}

.footer-bottom p {
    font-size: 13px;
    color: rgba(255,255,255,0.4);
}

.footer-bottom a { color: var(--gold); }

.footer-email {
    color: rgba(255,255,255,0.5) !important;
    font-size: 13px;
}

.footer-email:hover { color: var(--gold) !important; }

/* =============================================
   PAGE HEADER (Inner pages)
   ============================================= */
.page-header {
    background: linear-gradient(135deg, var(--bg-dark) 0%, #0a2018 100%);
    padding: 60px 0;
    text-align: center;
    position: relative;
    overflow: hidden;
}

.page-header::before {
    content: '';
    position: absolute;
    top: 0; left: 0; right: 0; bottom: 0;
    background: radial-gradient(ellipse at center, rgba(13,155,106,0.12) 0%, transparent 60%);
}

.page-header h1 {
    font-family: 'Playfair Display', serif;
    color: var(--text-light);
    font-size: 40px;
    position: relative;
    z-index: 2;
    margin-bottom: 10px;
}

.page-header p {
    color: rgba(255,255,255,0.6);
    position: relative;
    z-index: 2;
    font-size: 16px;
}

.breadcrumb {
    position: relative;
    z-index: 2;
    display: flex;
    justify-content: center;
    gap: 10px;
    margin-top: 15px;
    font-size: 14px;
}

.breadcrumb a { color: var(--gold); }
.breadcrumb span { color: rgba(255,255,255,0.4); }

/* =============================================
   FORMS
   ============================================= */
.form-group {
    margin-bottom: 26px;
    min-width: 0;
}

.form-group label {
    display: block;
    font-weight: 600;
    font-size: 14px;
    margin-bottom: 10px;
    color: var(--text-primary);
    line-height: 1.45;
}

.form-control {
    width: 100%;
    padding: 14px 16px;
    border: 1px solid var(--border);
    border-radius: var(--radius-sm);
    font-family: inherit;
    font-size: 15px;
    line-height: 1.45;
    color: var(--text-primary);
    transition: var(--transition);
    background: var(--bg-white);
    min-height: 50px;
}

.form-control:focus {
    outline: none;
    border-color: var(--emerald);
    box-shadow: 0 0 0 3px rgba(13, 155, 106, 0.15);
}

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

select.form-control { cursor: pointer; }

/* =============================================
   ALERT / FLASH MESSAGES
   ============================================= */
.alert {
    padding: 14px 20px;
    border-radius: var(--radius-sm);
    margin-bottom: 20px;
    font-size: 14px;
    line-height: 1.55;
    display: block;
    position: relative;
    overflow-wrap: anywhere;
}

.alert:has(> i:first-child) {
    padding-left: 50px;
}

.alert>i:first-child {
    position: absolute;
    top: 17px;
    left: 20px;
    width: 16px;
    text-align: center;
    line-height: 1;
}

.alert strong {
    display: block;
    margin-bottom: 4px;
    color: inherit;
}

.alert .btn {
    margin-top: 12px;
    white-space: normal;
    text-align: center;
}

.alert-success { background: rgba(16,185,129,0.1); border: 1px solid rgba(16,185,129,0.2); color: #059669; }
.alert-danger { background: rgba(239,68,68,0.1); border: 1px solid rgba(239,68,68,0.2); color: #DC2626; }
.alert-warning { background: rgba(245,158,11,0.1); border: 1px solid rgba(245,158,11,0.2); color: #D97706; }
.alert-info { background: rgba(59,130,246,0.1); border: 1px solid rgba(59,130,246,0.2); color: #2563EB; }

/* =============================================
   FAQ ACCORDION
   ============================================= */
.faq-item {
    border: 1px solid var(--border);
    border-radius: var(--radius-md);
    margin-bottom: 12px;
    overflow: hidden;
    transition: var(--transition);
}

.faq-item:hover { border-color: rgba(13,155,106,0.3); }

.faq-question {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 18px 24px;
    cursor: pointer;
    font-weight: 600;
    font-size: 15px;
    background: var(--bg-white);
    transition: var(--transition);
}

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

.faq-question i { color: var(--emerald); transition: var(--transition); }

.faq-item.active .faq-question i { transform: rotate(180deg); }

.faq-answer {
    padding: 0 24px;
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.3s ease, padding 0.3s ease;
    color: var(--text-secondary);
    font-size: 15px;
    line-height: 1.7;
}

.faq-item.active .faq-answer {
    max-height: 500px;
    padding: 0 24px 20px;
}

/* =============================================
   CONTACT FORM
   ============================================= */
.contact-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 40px;
}

.contact-info-card {
    background: var(--bg-dark);
    border-radius: var(--radius-lg);
    padding: 40px;
    color: var(--text-light);
}

.contact-info-card h3 {
    color: var(--text-light);
    font-size: 24px;
    margin-bottom: 20px;
}

.contact-info-item {
    display: flex;
    gap: 16px;
    margin-bottom: 20px;
}

.contact-info-item i {
    width: 44px;
    height: 44px;
    background: rgba(13,155,106,0.15);
    border-radius: var(--radius-sm);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--emerald-light);
    font-size: 18px;
    flex-shrink: 0;
}

.contact-info-item h4 { font-size: 15px; color: var(--text-light); margin-bottom: 4px; }
.contact-info-item p { font-size: 14px; color: rgba(255,255,255,0.5); margin: 0; }
.contact-info-item a { color: var(--gold); }

/* =============================================
   TESTIMONIALS
   ============================================= */
.testimonial-card {
    background: var(--bg-white);
    border: 1px solid var(--border);
    border-radius: var(--radius-lg);
    padding: 30px;
    transition: var(--transition);
}

.testimonial-card:hover {
    box-shadow: var(--shadow-lg);
    border-color: rgba(13,155,106,0.2);
}

.testimonial-stars { color: var(--gold); margin-bottom: 16px; }

.testimonial-text {
    font-size: 15px;
    color: var(--text-secondary);
    line-height: 1.7;
    margin-bottom: 20px;
    font-style: italic;
}

.testimonial-author {
    display: flex;
    align-items: center;
    gap: 12px;
}

.testimonial-avatar {
    width: 44px;
    height: 44px;
    border-radius: 50%;
    background: linear-gradient(135deg, var(--emerald), var(--emerald-dark));
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--text-light);
    font-weight: 700;
    font-size: 16px;
}

.testimonial-author h4 { font-size: 15px; margin-bottom: 2px; }
.testimonial-author p { font-size: 13px; color: var(--text-secondary); margin: 0; }

/* =============================================
   SCROLL REVEAL ANIMATION
   ============================================= */
.reveal {
    opacity: 0;
    transform: translateY(30px);
    transition: opacity 0.6s ease, transform 0.6s ease;
}

.reveal.visible {
    opacity: 1;
    transform: translateY(0);
}

/* =============================================
   RESPONSIVE
   ============================================= */
@media (max-width: 1024px) {
    .services-grid, .loans-grid, .investments-grid { grid-template-columns: repeat(2, 1fr); }
    .payments-grid { grid-template-columns: repeat(3, 1fr); }
    .footer-grid { grid-template-columns: repeat(3, 1fr); }
    .hero h1 { font-size: 40px; }
}

@media (max-width: 768px) {
    .nav-toggle { display: flex; }
    
    .navbar-menu {
        display: none;
        position: absolute;
        top: 70px;
        left: 0;
        right: 0;
        background: var(--bg-dark);
        flex-direction: column;
        padding: 20px;
        border-top: 1px solid rgba(255,255,255,0.05);
    }
    
    .navbar-menu.active { display: flex; }
    
    .nav-links {
        flex-direction: column;
        width: 100%;
    }
    
    .nav-links > li > a { padding: 12px 16px; }
    
    .dropdown {
        position: static;
        opacity: 1;
        visibility: visible;
        transform: none;
        box-shadow: none;
        background: rgba(255,255,255,0.05);
        border-radius: var(--radius-sm);
        margin-top: 5px;
    }
    
    .dropdown li a { color: rgba(255,255,255,0.7); }
    .dropdown li a:hover { background: rgba(255,255,255,0.05); color: var(--gold); }
    
    .nav-buttons { flex-direction: column; width: 100%; }
    .nav-buttons .btn { width: 100%; justify-content: center; }
    
    .hero { min-height: 70vh; }
    .hero h1 { font-size: 32px; }
    .hero-stats { flex-direction: column; gap: 15px; }
    
    .services-grid, .loans-grid, .payments-grid, .investments-grid, .cta-grid, .grid-2, .grid-3 { grid-template-columns: 1fr; }
    .about-grid, .card-features-grid, .two-col-boxes, .contact-grid, .cta-content { grid-template-columns: 1fr; }
    
    .footer-grid { grid-template-columns: 1fr; }
    .footer-bottom .container { flex-direction: column; gap: 10px; text-align: center; }
    
    .section { padding: 50px 0; }
    .section-header h2 { font-size: 28px; }
    .page-header h1 { font-size: 30px; }
    
    .top-bar { display: none; }
}

@media (max-width: 480px) {
    .hero h1 { font-size: 26px; }
    .hero p { font-size: 15px; }
    .hero-buttons { flex-direction: column; }
    .hero-buttons .btn { width: 100%; justify-content: center; }
}

/* =============================================
   DESIGN & RESPONSIVE REFINEMENTS
   ============================================= */
html,
body {
    overflow-x: hidden;
}

body.nav-open {
    overflow: hidden;
}

.navbar .container,
.navbar-brand,
.navbar-menu,
.service-card,
.payment-card,
.loan-card,
.testimonial-card {
    min-width: 0;
}

.btn {
    min-height: 42px;
}

.nav-toggle {
    border-radius: var(--radius-sm);
}

.nav-toggle:focus-visible,
.btn:focus-visible,
.nav-links a:focus-visible {
    outline: 3px solid rgba(212, 168, 67, 0.45);
    outline-offset: 3px;
}

.hero {
    isolation: isolate;
}

.hero-content::after {
    content: '';
    position: absolute;
    right: -42vw;
    top: 50%;
    width: min(480px, 45vw);
    aspect-ratio: 1.58;
    transform: translateY(-50%) rotate(-9deg);
    border-radius: 22px;
    background:
        linear-gradient(135deg, rgba(255,255,255,0.24), rgba(255,255,255,0.04)),
        linear-gradient(135deg, rgba(13,155,106,0.9), rgba(8,122,83,0.92) 46%, rgba(212,168,67,0.88));
    box-shadow: 0 30px 80px rgba(0,0,0,0.28);
    border: 1px solid rgba(255,255,255,0.2);
    opacity: 0.9;
    pointer-events: none;
}

.hero h1 {
    font-size: clamp(34px, 5vw, 56px);
}

.section-header h2,
.cta-text h2,
.card-features-text h2 {
    font-size: clamp(28px, 3vw, 38px);
}

.page-header h1 {
    font-size: clamp(30px, 4vw, 44px);
}

.payment-info h4,
.payment-info p,
.service-card p,
.loan-card-body p {
    overflow-wrap: break-word;
}

.loans-grid {
    align-items: stretch;
}

.loan-card,
.loan-card-body {
    display: flex;
    flex-direction: column;
}

.loan-card-body {
    flex: 1;
}

.loan-card-body .btn {
    margin-top: auto;
    align-self: flex-start;
}

.footer-grid {
    align-items: start;
}

@media (max-width: 1024px) {
    .navbar .container {
        height: 64px;
    }

    .logo-img {
        height: 52px;
        max-width: 240px;
    }

    .navbar-menu {
        gap: 14px;
    }

    .nav-links > li > a {
        padding: 8px 10px;
        font-size: 13px;
    }

    .nav-buttons .btn {
        padding: 9px 14px;
    }

    .services-grid,
    .loans-grid,
    .investments-grid {
        grid-template-columns: repeat(2, minmax(0, 1fr));
    }

    .payments-grid {
        grid-template-columns: repeat(3, minmax(0, 1fr));
    }

    .footer-grid {
        grid-template-columns: 2fr 1fr 1fr;
    }

    .hero-content::after {
        right: -34vw;
        opacity: 0.52;
    }

    .about-grid,
    .card-features-grid,
    .cta-content {
        gap: 36px;
    }
}

@media (max-width: 768px) {
    .topbar,
    .top-bar {
        display: none;
    }

    .navbar .container {
        height: 62px;
    }

    .logo-img {
        height: 48px;
        max-width: min(220px, 68vw);
    }

    .navbar-menu {
        top: 62px;
        max-height: calc(100vh - 62px);
        overflow-y: auto;
        align-items: stretch;
        padding: 14px 20px 20px;
        background: rgba(15, 25, 35, 0.98);
        backdrop-filter: blur(18px);
        -webkit-backdrop-filter: blur(18px);
        box-shadow: 0 22px 50px rgba(0,0,0,0.35);
    }

    .nav-links {
        gap: 4px;
    }

    .nav-links > li > a {
        min-height: 44px;
        padding: 12px 14px;
        justify-content: space-between;
    }

    .dropdown {
        padding: 6px;
        min-width: 0;
    }

    .hero {
        min-height: auto;
        padding: 78px 0 58px;
    }

    .hero-content {
        max-width: 100%;
        padding: 0;
    }

    .hero-content::after {
        right: -120px;
        top: auto;
        bottom: -34px;
        width: 260px;
        opacity: 0.18;
    }

    .hero p {
        font-size: 16px;
        max-width: 100%;
    }

    .hero-stats {
        display: grid;
        grid-template-columns: repeat(3, minmax(0, 1fr));
        gap: 10px;
        margin-top: 34px;
    }

    .hero-stat {
        padding: 14px 10px;
        border-radius: var(--radius-md);
        background: rgba(255,255,255,0.055);
    }

    .hero-stat h3 {
        font-size: 24px;
    }

    .hero-stat p {
        font-size: 12px;
    }

    .about-features,
    .security-badges,
    .footer-app-btns {
        flex-wrap: wrap;
    }

    .about-feature {
        flex: 1 1 150px;
        justify-content: center;
    }

    .payment-card {
        align-items: center;
        padding: 18px;
    }

    .payments-grid {
        grid-template-columns: repeat(2, minmax(0, 1fr));
        gap: 14px;
    }

    .payment-card {
        flex-direction: column;
        align-items: center;
        justify-content: center;
        text-align: center;
        gap: 12px;
        min-height: 168px;
    }

    .payment-info h4 {
        line-height: 1.25;
    }

    .payment-info p {
        line-height: 1.45;
    }

    .loans-grid {
        grid-template-columns: repeat(2, minmax(0, 1fr));
        gap: 30px;
    }

    .loan-card {
        height: 100%;
    }

    .loan-card-body {
        padding: 34px 30px 30px;
    }

    .service-card,
    .testimonial-card,
    .contact-info-card {
        padding: 24px;
    }

    .col-box {
        padding: 42px 24px;
    }

    .loan-card-img {
        height: 160px;
    }

    .cta-section {
        padding: 58px 0;
    }

    .section-header {
        margin-bottom: 34px;
    }

    .page-header {
        padding: 48px 0;
    }
}

@media (max-width: 480px) {
    .container {
        padding: 0 16px;
    }

    .hero {
        padding: 58px 0 44px;
    }

    .hero-badge {
        max-width: 100%;
        border-radius: 14px;
        align-items: flex-start;
    }

    .hero-stats {
        grid-template-columns: 1fr;
        border-top: 0;
        padding-top: 0;
    }

    .section-badge {
        letter-spacing: 0.5px;
        font-size: 12px;
    }

    .section-badge::before,
    .section-badge::after {
        width: 18px;
    }

    .service-icon {
        width: 52px;
        height: 52px;
    }

    .feature-item {
        gap: 12px;
    }

    .feature-item-icon {
        width: 40px;
        height: 40px;
    }

    .payment-logo {
        width: 44px;
        height: 44px;
    }

    .payments-grid {
        grid-template-columns: repeat(2, minmax(0, 1fr));
        gap: 12px;
    }

    .payment-card {
        padding: 14px 10px;
        min-height: 150px;
    }

    .payment-info h4 {
        font-size: 13px;
    }

    .payment-info p {
        font-size: 11px;
    }

    .loans-grid {
        grid-template-columns: repeat(2, minmax(0, 1fr));
        gap: 22px;
    }

    .loan-card-img {
        height: 150px;
    }

    .loan-card-body {
        padding: 34px 30px 30px;
    }

    .loan-card-body h3 {
        font-size: 20px;
    }

    .loan-card-body p {
        font-size: 14px;
    }

    .loan-card-body .btn {
        width: auto;
        min-width: 118px;
    }

    .security-badges {
        align-items: stretch;
    }

    .security-badge {
        width: 100%;
        justify-content: center;
        border-radius: var(--radius-sm);
    }

    .footer-top {
        padding: 42px 0 28px;
    }

    .footer-actions,
    .footer-app-btns {
        align-items: stretch;
    }

    .app-btn,
    .footer-actions a {
        justify-content: center;
    }
}

@media (max-width: 380px) {
    .loans-grid {
        grid-template-columns: 1fr;
    }
}

@media (hover: none) {
    .service-card:hover,
    .loan-card:hover,
    .payment-card:hover,
    .testimonial-card:hover,
    .btn-emerald:hover,
    .btn-gold:hover {
        transform: none;
    }
}

@media (prefers-reduced-motion: reduce) {
    *,
    *::before,
    *::after {
        animation-duration: 0.01ms !important;
        animation-iteration-count: 1 !important;
        scroll-behavior: auto !important;
        transition-duration: 0.01ms !important;
    }
}