/*
Theme Name: FinBank
Theme URI: https://yoursite.com/finbank
Author: Your Name
Author URI: https://yoursite.com
Description: A professional Banking and Finance WordPress Theme with modern design, hero sections, services, loan calculator, testimonials, and more.
Version: 1.0.0
Requires at least: 5.8
Tested up to: 6.5
Requires PHP: 7.4
License: GNU General Public License v2 or later
License URI: https://www.gnu.org/licenses/gpl-2.0.html
Text Domain: finbank
Tags: banking, finance, business, responsive, custom-colors, custom-logo, custom-menu, featured-images, threaded-comments, translation-ready
*/

/* ============================================================
   FINBANK - BANKING & FINANCE WORDPRESS THEME
   Complete CSS Stylesheet
   ============================================================ */

/* ---------- CSS VARIABLES (Design Tokens) ---------- */
:root {
  --primary:       #0a2463;   /* deep navy */
  --primary-dark:  #061540;
  --accent:        #e63946;   /* bold red accent */
  --accent-light:  #ff6b6b;
  --gold:          #f4a261;   /* trust gold */
  --text-dark:     #111827;
  --text-mid:      #374151;
  --text-light:    #6b7280;
  --bg-light:      #f8faff;
  --bg-white:      #ffffff;
  --border:        #e5e7eb;
  --shadow-sm:     0 2px 8px rgba(10,36,99,0.08);
  --shadow-md:     0 8px 32px rgba(10,36,99,0.14);
  --shadow-lg:     0 20px 60px rgba(10,36,99,0.20);
  --radius-sm:     6px;
  --radius-md:     12px;
  --radius-lg:     24px;
  --radius-full:   999px;
  --transition:    all 0.3s cubic-bezier(0.4,0,0.2,1);
  --font-heading:  'Playfair Display', Georgia, serif;
  --font-body:     'DM Sans', 'Segoe UI', sans-serif;
  --max-width:     1170px;
}

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

html { scroll-behavior: smooth; font-size: 16px; }

body {
  font-family: var(--font-body);
  color: var(--text-dark);
  background: var(--bg-white);
  line-height: 1.7;
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; height: auto; display: block; }
a  { color: var(--primary); text-decoration: none; transition: var(--transition); }
a:hover { color: var(--accent); }
ul { list-style: none; }

/* ---------- TYPOGRAPHY ---------- */
h1,h2,h3,h4,h5,h6 {
  font-family: var(--font-heading);
  font-weight: 700;
  line-height: 1.2;
  color: var(--text-dark);
}
h1 { font-size: clamp(2.2rem, 5vw, 3.8rem); }
h2 { font-size: clamp(1.8rem, 3.5vw, 2.8rem); }
h3 { font-size: clamp(1.2rem, 2.5vw, 1.6rem); }
h4 { font-size: 1.1rem; }
p  { margin-bottom: 1rem; color: var(--text-mid); }

/* ---------- LAYOUT UTILITIES ---------- */
.container { max-width: var(--max-width); margin: 0 auto; padding: 0 24px; }
.section-pad { padding: 90px 0; }
.section-pad-sm { padding: 60px 0; }

.grid-2 { display: grid; grid-template-columns: repeat(2,1fr); gap: 40px; }
.grid-3 { display: grid; grid-template-columns: repeat(3,1fr); gap: 32px; }
.grid-4 { display: grid; grid-template-columns: repeat(4,1fr); gap: 28px; }

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

.text-center { text-align: center; }
.text-white { color: #fff !important; }

/* ---------- BUTTONS ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 32px;
  border-radius: var(--radius-full);
  font-family: var(--font-body);
  font-size: 0.95rem;
  font-weight: 600;
  cursor: pointer;
  border: 2px solid transparent;
  transition: var(--transition);
  text-decoration: none;
  white-space: nowrap;
}
.btn-primary {
  background: var(--accent);
  color: #fff;
  border-color: var(--accent);
}
.btn-primary:hover {
  background: transparent;
  color: var(--accent);
  border-color: var(--accent);
}
.btn-outline {
  background: transparent;
  color: var(--primary);
  border-color: var(--primary);
}
.btn-outline:hover {
  background: var(--primary);
  color: #fff;
}
.btn-white {
  background: #fff;
  color: var(--primary);
  border-color: #fff;
}
.btn-white:hover {
  background: var(--accent);
  color: #fff;
  border-color: var(--accent);
}
.btn-lg { padding: 18px 44px; font-size: 1.05rem; }
.btn-sm { padding: 10px 22px; font-size: 0.85rem; }

/* ---------- SECTION HEADINGS ---------- */
.section-tag {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 0.8rem;
  font-weight: 700;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--accent);
  margin-bottom: 14px;
}
.section-tag::before {
  content: '';
  display: block;
  width: 28px;
  height: 3px;
  background: var(--accent);
  border-radius: 2px;
}
.section-title { margin-bottom: 18px; }
.section-subtitle { font-size: 1.05rem; color: var(--text-light); max-width: 580px; }
.section-header { margin-bottom: 56px; }
.section-header.centered { text-align: center; }
.section-header.centered .section-subtitle { margin: 0 auto; }
.section-header.centered .section-tag { justify-content: center; }

/* ---------- TOP BAR ---------- */
.topbar {
  background: var(--primary-dark);
  color: rgba(255,255,255,0.8);
  padding: 10px 0;
  font-size: 0.82rem;
}
.topbar .container { display: flex; align-items: center; justify-content: space-between; }
.topbar a { color: rgba(255,255,255,0.8); }
.topbar a:hover { color: var(--gold); }
.topbar-left,.topbar-right { display: flex; align-items: center; gap: 20px; }
.topbar-item { display: flex; align-items: center; gap: 6px; }
.topbar-item svg { width: 13px; height: 13px; opacity: 0.7; }

/* ---------- HEADER / NAVBAR ---------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: #fff;
  box-shadow: var(--shadow-sm);
  transition: var(--transition);
}
.site-header.scrolled { box-shadow: var(--shadow-md); }

.navbar {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 18px 0;
}

/* Logo */
.site-logo { display: flex; align-items: center; gap: 12px; text-decoration: none; }
.logo-icon {
  width: 44px; height: 44px;
  background: var(--primary);
  border-radius: var(--radius-sm);
  display: flex; align-items: center; justify-content: center;
}
.logo-icon svg { width: 24px; height: 24px; fill: #fff; }
.logo-text { display: flex; flex-direction: column; line-height: 1; }
.logo-name {
  font-family: var(--font-heading);
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--primary);
  letter-spacing: -0.02em;
}
.logo-tagline { font-size: 0.65rem; text-transform: uppercase; letter-spacing: 0.12em; color: var(--text-light); }

/* Nav menu */
.nav-menu { display: flex; align-items: center; gap: 4px; }
.nav-item { position: relative; }
.nav-link {
  display: block;
  padding: 10px 16px;
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--text-dark);
  border-radius: var(--radius-sm);
  transition: var(--transition);
}
.nav-link:hover, .nav-link.active { color: var(--primary); background: var(--bg-light); }
.nav-link.has-children::after { content: '▾'; font-size: 0.7rem; margin-left: 4px; }

/* Dropdown */
.dropdown {
  position: absolute;
  top: calc(100% + 8px);
  left: 0;
  min-width: 220px;
  background: #fff;
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--border);
  opacity: 0;
  visibility: hidden;
  transform: translateY(-8px);
  transition: var(--transition);
  z-index: 100;
}
.nav-item:hover .dropdown {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}
.dropdown a {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 12px 20px;
  font-size: 0.875rem;
  font-weight: 500;
  color: var(--text-mid);
  border-bottom: 1px solid var(--border);
  transition: var(--transition);
}
.dropdown a:last-child { border-bottom: none; border-radius: 0 0 var(--radius-md) var(--radius-md); }
.dropdown a:first-child { border-radius: var(--radius-md) var(--radius-md) 0 0; }
.dropdown a:hover { background: var(--bg-light); color: var(--primary); padding-left: 26px; }

/* Nav CTA */
.nav-cta { display: flex; align-items: center; gap: 12px; }
.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  padding: 8px;
  border: none;
  background: none;
}
.hamburger span { display: block; width: 24px; height: 2px; background: var(--text-dark); border-radius: 2px; transition: var(--transition); }

/* ---------- HERO SECTION ---------- */
.hero {
  position: relative;
  background: linear-gradient(135deg, var(--primary-dark) 0%, var(--primary) 60%, #1a3a8f 100%);
  min-height: 88vh;
  display: flex;
  align-items: center;
  overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute; inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.03'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}
.hero-shapes { position: absolute; inset: 0; pointer-events: none; overflow: hidden; }
.hero-shape {
  position: absolute;
  border-radius: 50%;
  background: rgba(255,255,255,0.04);
}
.hero-shape-1 { width: 500px; height: 500px; right: -100px; top: -100px; }
.hero-shape-2 { width: 300px; height: 300px; right: 200px; bottom: -80px; background: rgba(230,57,70,0.15); }
.hero-shape-3 { width: 200px; height: 200px; left: -60px; bottom: 60px; }

.hero .container { position: relative; z-index: 2; }
.hero-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; padding: 80px 0; }

.hero-content { color: #fff; }
.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(255,255,255,0.1);
  border: 1px solid rgba(255,255,255,0.2);
  border-radius: var(--radius-full);
  padding: 6px 16px 6px 6px;
  font-size: 0.78rem;
  font-weight: 600;
  color: var(--gold);
  margin-bottom: 28px;
  backdrop-filter: blur(10px);
}
.hero-badge-dot {
  width: 22px; height: 22px;
  background: var(--gold);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  color: var(--primary-dark);
  font-size: 0.7rem;
}
.hero h1 {
  color: #fff;
  margin-bottom: 24px;
  font-size: clamp(2.4rem, 5vw, 4rem);
  line-height: 1.1;
}
.hero h1 span { color: var(--gold); }
.hero p {
  font-size: 1.1rem;
  color: rgba(255,255,255,0.8);
  margin-bottom: 40px;
  max-width: 500px;
}
.hero-actions { display: flex; align-items: center; gap: 16px; flex-wrap: wrap; }
.hero-stats {
  display: grid;
  grid-template-columns: repeat(3,1fr);
  gap: 20px;
  margin-top: 48px;
  padding-top: 40px;
  border-top: 1px solid rgba(255,255,255,0.15);
}
.hero-stat-value {
  font-family: var(--font-heading);
  font-size: 1.8rem;
  font-weight: 700;
  color: var(--gold);
}
.hero-stat-label { font-size: 0.78rem; color: rgba(255,255,255,0.65); margin-top: 2px; }

/* Hero Card */
.hero-visual { display: flex; flex-direction: column; gap: 20px; }
.hero-card {
  background: rgba(255,255,255,0.1);
  backdrop-filter: blur(20px);
  border: 1px solid rgba(255,255,255,0.2);
  border-radius: var(--radius-lg);
  padding: 28px;
  color: #fff;
}
.hero-card-header { display: flex; align-items: center; justify-content: space-between; margin-bottom: 20px; }
.hero-card-logo {
  font-family: var(--font-heading);
  font-size: 1.1rem;
  font-weight: 700;
}
.card-chip {
  width: 42px; height: 30px;
  background: linear-gradient(135deg, var(--gold), #d4860a);
  border-radius: 6px;
}
.hero-card-number { font-size: 1.1rem; letter-spacing: 0.15em; opacity: 0.85; margin-bottom: 20px; }
.hero-card-footer { display: flex; align-items: flex-end; justify-content: space-between; }
.hero-card-holder span { display: block; font-size: 0.65rem; opacity: 0.6; text-transform: uppercase; letter-spacing: 0.1em; }
.hero-card-holder strong { font-size: 0.9rem; }
.card-brand { font-size: 1.4rem; font-weight: 800; opacity: 0.9; }

.hero-quick-stats {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}
.hero-quick-stat {
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.15);
  border-radius: var(--radius-md);
  padding: 18px;
  backdrop-filter: blur(10px);
}
.hqs-label { font-size: 0.72rem; text-transform: uppercase; letter-spacing: 0.1em; color: rgba(255,255,255,0.55); margin-bottom: 6px; }
.hqs-value { font-size: 1.4rem; font-weight: 700; color: #fff; font-family: var(--font-heading); }
.hqs-change { font-size: 0.75rem; color: #4ade80; margin-top: 4px; }

/* ---------- FEATURES STRIP ---------- */
.features-strip {
  background: var(--primary);
  padding: 32px 0;
}
.features-strip .container { display: grid; grid-template-columns: repeat(4,1fr); gap: 0; }
.feature-strip-item {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 0 24px;
  border-right: 1px solid rgba(255,255,255,0.12);
  color: #fff;
}
.feature-strip-item:last-child { border-right: none; }
.feature-strip-icon {
  width: 44px; height: 44px;
  background: rgba(255,255,255,0.1);
  border-radius: var(--radius-sm);
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}
.feature-strip-icon svg { width: 22px; height: 22px; fill: var(--gold); }
.feature-strip-title { font-size: 0.85rem; font-weight: 700; color: #fff; }
.feature-strip-text { font-size: 0.75rem; color: rgba(255,255,255,0.65); margin: 0; }

/* ---------- SERVICES SECTION ---------- */
.services { background: var(--bg-light); }
.service-card {
  background: #fff;
  border-radius: var(--radius-lg);
  padding: 36px 28px;
  border: 1px solid var(--border);
  transition: var(--transition);
  position: relative;
  overflow: hidden;
}
.service-card::after {
  content: '';
  position: absolute;
  bottom: 0; left: 0; right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--primary), var(--accent));
  transform: scaleX(0);
  transition: var(--transition);
  transform-origin: left;
}
.service-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); border-color: transparent; }
.service-card:hover::after { transform: scaleX(1); }

.service-icon {
  width: 64px; height: 64px;
  border-radius: var(--radius-md);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 24px;
}
.service-icon svg { width: 32px; height: 32px; }
.service-icon.navy { background: rgba(10,36,99,0.08); }
.service-icon.navy svg { fill: var(--primary); }
.service-icon.red { background: rgba(230,57,70,0.08); }
.service-icon.red svg { fill: var(--accent); }
.service-icon.gold { background: rgba(244,162,97,0.12); }
.service-icon.gold svg { fill: #d97706; }

.service-card h3 { margin-bottom: 10px; }
.service-card p { font-size: 0.9rem; margin-bottom: 20px; }
.service-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 0.875rem;
  font-weight: 700;
  color: var(--primary);
}
.service-link::after { content: '→'; transition: var(--transition); }
.service-card:hover .service-link::after { transform: translateX(4px); }

/* ---------- ABOUT SECTION ---------- */
.about-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 80px; align-items: center; }
.about-image-wrap { position: relative; }
.about-image {
  border-radius: var(--radius-lg);
  overflow: hidden;
  background: linear-gradient(135deg, #e8f0ff, #c7d7ff);
  min-height: 500px;
  display: flex; align-items: center; justify-content: center;
}
.about-image-placeholder {
  text-align: center;
  color: var(--primary);
  opacity: 0.4;
}
.about-image-placeholder svg { width: 80px; height: 80px; fill: currentColor; margin: 0 auto 12px; }
.about-badge {
  position: absolute;
  bottom: -20px; right: -20px;
  background: var(--accent);
  color: #fff;
  border-radius: var(--radius-md);
  padding: 20px 24px;
  text-align: center;
  box-shadow: var(--shadow-md);
}
.about-badge-num { font-family: var(--font-heading); font-size: 2.4rem; font-weight: 700; line-height: 1; }
.about-badge-text { font-size: 0.75rem; opacity: 0.9; margin: 4px 0 0; }

.about-features { margin-top: 32px; display: flex; flex-direction: column; gap: 18px; }
.about-feature { display: flex; align-items: flex-start; gap: 16px; }
.about-feature-icon {
  width: 44px; height: 44px; flex-shrink: 0;
  background: var(--bg-light);
  border-radius: var(--radius-sm);
  display: flex; align-items: center; justify-content: center;
}
.about-feature-icon svg { width: 22px; height: 22px; fill: var(--primary); }
.about-feature-title { font-size: 0.95rem; font-weight: 700; margin-bottom: 3px; }
.about-feature p { font-size: 0.85rem; margin: 0; }

/* ---------- STATS SECTION ---------- */
.stats-section {
  background: linear-gradient(135deg, var(--primary-dark), var(--primary));
  padding: 70px 0;
}
.stats-grid { display: grid; grid-template-columns: repeat(4,1fr); gap: 0; }
.stat-item {
  text-align: center;
  color: #fff;
  padding: 20px;
  border-right: 1px solid rgba(255,255,255,0.12);
}
.stat-item:last-child { border-right: none; }
.stat-value {
  font-family: var(--font-heading);
  font-size: 3rem;
  font-weight: 700;
  color: var(--gold);
  line-height: 1;
  margin-bottom: 8px;
}
.stat-label { font-size: 0.9rem; color: rgba(255,255,255,0.7); }

/* ---------- LOAN CALCULATOR ---------- */
.calculator { background: var(--bg-light); }
.calc-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; }
.calc-box {
  background: #fff;
  border-radius: var(--radius-lg);
  padding: 40px;
  box-shadow: var(--shadow-md);
  border: 1px solid var(--border);
}
.calc-box h3 { margin-bottom: 32px; }
.form-group { margin-bottom: 24px; }
.form-group label {
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 0.875rem;
  font-weight: 600;
  color: var(--text-mid);
  margin-bottom: 10px;
}
.form-group label span { color: var(--primary); font-weight: 700; font-size: 1rem; }
input[type="range"] {
  width: 100%;
  -webkit-appearance: none;
  height: 6px;
  background: var(--border);
  border-radius: 3px;
  outline: none;
}
input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 20px; height: 20px;
  background: var(--primary);
  border-radius: 50%;
  cursor: pointer;
  border: 3px solid #fff;
  box-shadow: 0 2px 8px rgba(10,36,99,0.3);
}
.calc-result {
  background: linear-gradient(135deg, var(--primary-dark), var(--primary));
  color: #fff;
  border-radius: var(--radius-lg);
  padding: 36px;
}
.calc-result-label { font-size: 0.85rem; color: rgba(255,255,255,0.65); margin-bottom: 8px; }
.calc-result-value { font-family: var(--font-heading); font-size: 3rem; font-weight: 700; color: var(--gold); margin-bottom: 28px; }
.calc-breakdown { display: flex; flex-direction: column; gap: 14px; margin-top: 24px; padding-top: 24px; border-top: 1px solid rgba(255,255,255,0.12); }
.calc-row { display: flex; justify-content: space-between; align-items: center; }
.calc-row-label { font-size: 0.85rem; color: rgba(255,255,255,0.65); }
.calc-row-val { font-weight: 700; font-size: 0.95rem; }

/* ---------- TESTIMONIALS ---------- */
.testimonials { background: #fff; }
.testimonial-card {
  background: var(--bg-light);
  border-radius: var(--radius-lg);
  padding: 36px;
  border: 1px solid var(--border);
  transition: var(--transition);
}
.testimonial-card:hover { box-shadow: var(--shadow-md); transform: translateY(-4px); }
.testimonial-stars { display: flex; gap: 3px; margin-bottom: 18px; }
.star { color: var(--gold); font-size: 1.1rem; }
.testimonial-text { font-size: 0.95rem; color: var(--text-mid); line-height: 1.7; margin-bottom: 24px; font-style: italic; }
.testimonial-text::before { content: '"'; color: var(--primary); font-size: 3rem; font-family: var(--font-heading); line-height: 0; vertical-align: -0.5rem; margin-right: 4px; }
.testimonial-author { display: flex; align-items: center; gap: 14px; }
.author-avatar {
  width: 48px; height: 48px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--primary), var(--accent));
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-heading);
  font-size: 1.1rem;
  font-weight: 700;
  color: #fff;
  flex-shrink: 0;
}
.author-name { font-weight: 700; font-size: 0.9rem; }
.author-role { font-size: 0.78rem; color: var(--text-light); }

/* ---------- WHY CHOOSE US ---------- */
.why-us { background: var(--bg-light); }
.why-us-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 80px; align-items: center; }
.why-us-list { display: flex; flex-direction: column; gap: 28px; margin-top: 32px; }
.why-item { display: flex; gap: 20px; align-items: flex-start; }
.why-num {
  width: 40px; height: 40px; flex-shrink: 0;
  background: var(--primary);
  color: #fff;
  border-radius: var(--radius-sm);
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: 1rem;
}
.why-item-title { font-size: 1rem; font-weight: 700; margin-bottom: 5px; }
.why-item p { font-size: 0.875rem; margin: 0; }

.why-visual {
  background: linear-gradient(135deg, var(--primary), #1a3a8f);
  border-radius: var(--radius-lg);
  padding: 48px 40px;
  color: #fff;
  position: relative;
  overflow: hidden;
}
.why-visual::before {
  content: '';
  position: absolute;
  top: -60px; right: -60px;
  width: 200px; height: 200px;
  background: rgba(255,255,255,0.05);
  border-radius: 50%;
}
.why-visual-title { font-size: 1.3rem; font-weight: 700; margin-bottom: 28px; font-family: var(--font-body); color: #fff; }
.why-progress { margin-bottom: 22px; }
.why-progress-label { display: flex; justify-content: space-between; margin-bottom: 8px; font-size: 0.82rem; color: rgba(255,255,255,0.75); }
.why-progress-bar { height: 8px; background: rgba(255,255,255,0.12); border-radius: 4px; overflow: hidden; }
.why-progress-fill { height: 100%; border-radius: 4px; background: linear-gradient(90deg, var(--gold), var(--accent-light)); transition: width 1.2s cubic-bezier(0.4,0,0.2,1); }

/* ---------- BLOG SECTION ---------- */
.blog-card {
  background: #fff;
  border-radius: var(--radius-lg);
  overflow: hidden;
  border: 1px solid var(--border);
  transition: var(--transition);
}
.blog-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); }
.blog-img {
  height: 220px;
  background: linear-gradient(135deg, #c7d7ff, #e8f0ff);
  display: flex; align-items: center; justify-content: center;
  overflow: hidden;
}
.blog-img img { width: 100%; height: 100%; object-fit: cover; }
.blog-img-placeholder { color: var(--primary); opacity: 0.25; font-size: 4rem; }
.blog-body { padding: 28px; }
.blog-meta { display: flex; align-items: center; gap: 16px; margin-bottom: 12px; }
.blog-cat {
  font-size: 0.72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--accent);
  background: rgba(230,57,70,0.08);
  padding: 3px 10px;
  border-radius: var(--radius-full);
}
.blog-date { font-size: 0.78rem; color: var(--text-light); }
.blog-title { font-size: 1.05rem; margin-bottom: 10px; }
.blog-title a { color: var(--text-dark); }
.blog-title a:hover { color: var(--primary); }
.blog-excerpt { font-size: 0.875rem; color: var(--text-light); }

/* ---------- CTA SECTION ---------- */
.cta-section {
  background: linear-gradient(135deg, var(--accent) 0%, #c1121f 100%);
  padding: 90px 0;
  position: relative;
  overflow: hidden;
}
.cta-section::before {
  content: '';
  position: absolute;
  top: -100px; right: -100px;
  width: 400px; height: 400px;
  background: rgba(255,255,255,0.06);
  border-radius: 50%;
}
.cta-section::after {
  content: '';
  position: absolute;
  bottom: -80px; left: -80px;
  width: 300px; height: 300px;
  background: rgba(0,0,0,0.1);
  border-radius: 50%;
}
.cta-section .container { position: relative; z-index: 2; text-align: center; }
.cta-section h2 { color: #fff; margin-bottom: 16px; }
.cta-section p { color: rgba(255,255,255,0.85); font-size: 1.1rem; margin-bottom: 36px; }
.cta-actions { display: flex; justify-content: center; gap: 16px; flex-wrap: wrap; }

/* ---------- PARTNERS ---------- */
.partners { padding: 60px 0; background: #fff; border-bottom: 1px solid var(--border); }
.partners-title { text-align: center; font-size: 0.78rem; text-transform: uppercase; letter-spacing: 0.15em; color: var(--text-light); margin-bottom: 36px; }
.partners-grid { display: flex; align-items: center; justify-content: center; gap: 56px; flex-wrap: wrap; }
.partner-logo {
  font-family: var(--font-heading);
  font-size: 1.2rem;
  font-weight: 700;
  color: var(--text-light);
  opacity: 0.4;
  transition: var(--transition);
  white-space: nowrap;
}
.partner-logo:hover { opacity: 0.9; color: var(--primary); }

/* ---------- FOOTER ---------- */
.site-footer { background: var(--primary-dark); color: rgba(255,255,255,0.75); }
.footer-top { padding: 72px 0 48px; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 48px; }
.footer-brand p { font-size: 0.875rem; margin: 16px 0 24px; color: rgba(255,255,255,0.6); max-width: 280px; }
.footer-logo-text { color: #fff; }
.footer-social { display: flex; gap: 10px; }
.social-link {
  width: 36px; height: 36px;
  background: rgba(255,255,255,0.08);
  border-radius: var(--radius-sm);
  display: flex; align-items: center; justify-content: center;
  color: rgba(255,255,255,0.7);
  font-size: 0.85rem;
  transition: var(--transition);
}
.social-link:hover { background: var(--accent); color: #fff; }
.footer-col-title {
  font-size: 0.8rem;
  text-transform: uppercase;
  letter-spacing: 0.14em;
  font-weight: 700;
  color: #fff;
  margin-bottom: 20px;
}
.footer-links { display: flex; flex-direction: column; gap: 10px; }
.footer-links a { font-size: 0.875rem; color: rgba(255,255,255,0.6); transition: var(--transition); }
.footer-links a:hover { color: var(--gold); padding-left: 6px; }
.footer-contact-item { display: flex; align-items: flex-start; gap: 10px; margin-bottom: 14px; font-size: 0.875rem; }
.footer-contact-item svg { width: 14px; height: 14px; fill: var(--gold); flex-shrink: 0; margin-top: 3px; }

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.08);
  padding: 20px 0;
}
.footer-bottom .container { display: flex; align-items: center; justify-content: space-between; flex-wrap: wrap; gap: 12px; }
.footer-bottom p { font-size: 0.8rem; margin: 0; }
.footer-bottom-links { display: flex; gap: 24px; }
.footer-bottom-links a { font-size: 0.8rem; color: rgba(255,255,255,0.5); }
.footer-bottom-links a:hover { color: var(--gold); }

/* ---------- MOBILE MENU ---------- */
.mobile-menu {
  display: none;
  position: fixed;
  inset: 0;
  background: rgba(10,36,99,0.97);
  z-index: 9999;
  flex-direction: column;
  padding: 32px 24px;
  backdrop-filter: blur(10px);
}
.mobile-menu.active { display: flex; }
.mobile-menu-close { align-self: flex-end; background: none; border: none; color: #fff; font-size: 2rem; cursor: pointer; line-height: 1; margin-bottom: 32px; }
.mobile-nav-link { display: block; padding: 16px 0; font-size: 1.3rem; font-weight: 600; color: rgba(255,255,255,0.85); border-bottom: 1px solid rgba(255,255,255,0.1); }
.mobile-nav-link:hover { color: var(--gold); }
.mobile-menu-cta { margin-top: 32px; }

/* ---------- BACK TO TOP ---------- */
.back-top {
  position: fixed;
  bottom: 28px; right: 28px;
  width: 44px; height: 44px;
  background: var(--primary);
  color: #fff;
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  box-shadow: var(--shadow-md);
  cursor: pointer;
  border: none;
  font-size: 1.1rem;
  transition: var(--transition);
  opacity: 0;
  pointer-events: none;
  z-index: 999;
}
.back-top.visible { opacity: 1; pointer-events: auto; }
.back-top:hover { background: var(--accent); transform: translateY(-2px); }

/* ---------- ANIMATIONS ---------- */
@keyframes fadeUp {
  from { opacity: 0; transform: translateY(30px); }
  to   { opacity: 1; transform: translateY(0); }
}
@keyframes fadeIn {
  from { opacity: 0; }
  to   { opacity: 1; }
}
@keyframes float {
  0%,100% { transform: translateY(0); }
  50%      { transform: translateY(-12px); }
}
.animate-on-scroll { opacity: 0; transform: translateY(28px); transition: opacity 0.6s ease, transform 0.6s ease; }
.animate-on-scroll.visible { opacity: 1; transform: translateY(0); }
.delay-1 { transition-delay: 0.1s; }
.delay-2 { transition-delay: 0.2s; }
.delay-3 { transition-delay: 0.3s; }
.delay-4 { transition-delay: 0.4s; }

/* ---------- RESPONSIVE ---------- */
@media (max-width: 1024px) {
  .grid-4 { grid-template-columns: repeat(2,1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 36px; }
  .hero-grid { gap: 40px; }
  .features-strip .container { grid-template-columns: repeat(2,1fr); gap: 16px; }
  .feature-strip-item { border-right: none; }
}

@media (max-width: 768px) {
  .grid-2,.grid-3,.grid-4 { grid-template-columns: 1fr; }
  .about-grid,.why-us-grid,.calc-grid,.hero-grid { grid-template-columns: 1fr; gap: 40px; }
  .about-badge { right: 0; }
  .stats-grid { grid-template-columns: repeat(2,1fr); }
  .stat-item { border-right: none; border-bottom: 1px solid rgba(255,255,255,0.12); padding: 24px; }
  .nav-menu,.nav-cta { display: none; }
  .hamburger { display: flex; }
  .features-strip .container { grid-template-columns: 1fr; }
  .hero-stats { grid-template-columns: repeat(3,1fr); }
  .hero-quick-stats { grid-template-columns: 1fr 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .topbar .topbar-right { display: none; }
}

@media (max-width: 480px) {
  .hero-stats { grid-template-columns: repeat(2,1fr); }
  .hero-quick-stats { grid-template-columns: 1fr; }
  .stats-grid { grid-template-columns: 1fr; }
  .cta-actions { flex-direction: column; align-items: center; }
}