/* ============================================================
   Bank of Liechtenstein Credit Union — Bank of Liechtenstein Credit Union
   Main Stylesheet
   ============================================================ */

/* ---------- CSS Variables ---------- */
:root {
  --navy:        #0a1628;
  --navy-mid:    #112240;
  --navy-light:  #1a3560;
  --gold:        #c9a84c;
  --gold-light:  #e8c97a;
  --gold-dark:   #a07830;
  --white:       #ffffff;
  --off-white:   #f4f6fa;
  --gray-100:    #e8ecf4;
  --gray-300:    #b0bcd4;
  --gray-500:    #6b7a99;
  --gray-700:    #3a4a6b;
  --success:     #1a9e6e;
  --danger:      #c0392b;
  --warning:     #e67e22;
  --font-main:   'Segoe UI', 'Helvetica Neue', Arial, sans-serif;
  --font-serif:  Georgia, 'Times New Roman', serif;
  --radius:      6px;
  --radius-lg:   12px;
  --shadow:      0 4px 24px rgba(10,22,40,0.13);
  --shadow-lg:   0 8px 48px rgba(10,22,40,0.22);
  --transition:  all 0.28s ease;
}

/* ---------- Reset & Base ---------- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
  font-family: var(--font-main);
  color: var(--navy);
  background: var(--white);
  line-height: 1.65;
  overflow-x: hidden;
}
a { color: inherit; text-decoration: none; }
img { max-width: 100%; display: block; }
ul { list-style: none; }
button, input, select, textarea { font-family: inherit; }

/* ---------- Utility ---------- */
.container { max-width: 1200px; margin: 0 auto; padding: 0 24px; }
.section-pad { padding: 80px 0; }
.text-center { text-align: center; }
.text-gold { color: var(--gold); }
.text-white { color: var(--white); }
.bg-navy { background: var(--navy); }
.bg-navy-mid { background: var(--navy-mid); }
.bg-off-white { background: var(--off-white); }
.flex { display: flex; }
.flex-center { display: flex; align-items: center; justify-content: center; }
.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 32px; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 12px 28px; border-radius: var(--radius);
  font-size: 0.95rem; font-weight: 600; cursor: pointer;
  border: 2px solid transparent; transition: var(--transition);
  white-space: nowrap;
}
.btn-primary {
  background: var(--gold); color: var(--navy); border-color: var(--gold);
}
.btn-primary:hover {
  background: var(--gold-light); border-color: var(--gold-light); transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(201,168,76,0.35);
}
.btn-outline {
  background: transparent; color: var(--white); border-color: var(--white);
}
.btn-outline:hover {
  background: var(--white); color: var(--navy); transform: translateY(-2px);
}
.btn-outline-gold {
  background: transparent; color: var(--gold); border-color: var(--gold);
}
.btn-outline-gold:hover {
  background: var(--gold); color: var(--navy);
}
.btn-sm { padding: 8px 18px; font-size: 0.85rem; }
.btn-lg { padding: 16px 40px; font-size: 1.05rem; }

/* ---------- Section Headers ---------- */
.section-tag {
  display: inline-block; background: rgba(201,168,76,0.15);
  color: var(--gold); font-size: 0.8rem; font-weight: 700;
  letter-spacing: 2px; text-transform: uppercase;
  padding: 5px 14px; border-radius: 20px; margin-bottom: 14px;
}
.section-title {
  font-size: 2.2rem; font-weight: 700; line-height: 1.25;
  color: var(--navy); margin-bottom: 16px;
}
.section-title.light { color: var(--white); }
.section-sub {
  font-size: 1.05rem; color: var(--gray-500); max-width: 580px;
}
.section-sub.light { color: var(--gray-300); }
.divider-gold {
  width: 56px; height: 3px; background: var(--gold);
  border-radius: 2px; margin: 16px 0 32px;
}
.divider-gold.center { margin: 16px auto 32px; }

/* ============================================================
   HEADER / NAVIGATION
   ============================================================ */
.site-header {
  position: fixed; top: 0; left: 0; right: 0; z-index: 1000;
  background: rgba(10,22,40,0.97);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid rgba(201,168,76,0.18);
  transition: var(--transition);
}
.site-header.scrolled {
  box-shadow: 0 2px 24px rgba(0,0,0,0.35);
}
.header-inner {
  display: flex; align-items: center; justify-content: space-between;
  height: 72px;
}
/* Logo */
.logo { display: flex; align-items: center; gap: 12px; }
.logo-icon {
  width: 44px; height: 44px; background: var(--gold);
  border-radius: 8px; display: flex; align-items: center; justify-content: center;
  font-size: 1.3rem; font-weight: 900; color: var(--navy); font-family: var(--font-serif);
  flex-shrink: 0;
}
.logo-text { display: flex; flex-direction: column; line-height: 1.2; }
.logo-name {
  font-size: 1.05rem; font-weight: 700; color: var(--white); letter-spacing: 0.3px;
}
.logo-sub {
  font-size: 0.68rem; color: var(--gold); letter-spacing: 1.5px;
  text-transform: uppercase; font-weight: 500;
}
/* Nav */
.main-nav { display: flex; align-items: center; gap: 4px; }
.nav-link {
  padding: 8px 14px; color: var(--gray-300); font-size: 0.9rem;
  font-weight: 500; border-radius: var(--radius); transition: var(--transition);
  position: relative;
}
.nav-link:hover, .nav-link.active { color: var(--white); }
.nav-link.active::after {
  content: ''; position: absolute; bottom: 2px; left: 14px; right: 14px;
  height: 2px; background: var(--gold); border-radius: 2px;
}
/* Dropdown */
.nav-item { position: relative; }
.nav-dropdown {
  position: absolute; top: calc(100% + 8px); left: 0;
  background: var(--navy-mid); border: 1px solid rgba(201,168,76,0.2);
  border-radius: var(--radius-lg); min-width: 220px;
  box-shadow: var(--shadow-lg); opacity: 0; visibility: hidden;
  transform: translateY(-8px); transition: var(--transition);
  padding: 8px 0;
}
.nav-item:hover .nav-dropdown { opacity: 1; visibility: visible; transform: translateY(0); }
.nav-dropdown a {
  display: block; padding: 10px 20px; color: var(--gray-300);
  font-size: 0.88rem; transition: var(--transition);
}
.nav-dropdown a:hover { color: var(--gold); background: rgba(201,168,76,0.07); }
/* Header CTA */
.header-cta { display: flex; align-items: center; gap: 12px; }
.hamburger {
  display: none; flex-direction: column; gap: 5px; cursor: pointer;
  padding: 4px; background: none; border: none;
}
.hamburger span {
  display: block; width: 24px; height: 2px;
  background: var(--white); border-radius: 2px; transition: var(--transition);
}

/* ============================================================
   HERO SECTION
   ============================================================ */
.hero {
  min-height: 100vh; background: var(--navy);
  display: flex; align-items: center; position: relative; overflow: hidden;
  padding-top: 72px;
}
.hero-bg {
  position: absolute; inset: 0;
  background: linear-gradient(135deg, #0a1628 0%, #112240 50%, #1a3560 100%);
}
.hero-pattern {
  position: absolute; inset: 0; opacity: 0.04;
  background-image: repeating-linear-gradient(
    45deg, var(--gold) 0, var(--gold) 1px, transparent 0, transparent 50%
  );
  background-size: 30px 30px;
}
.hero-glow {
  position: absolute; top: 20%; right: 10%;
  width: 500px; height: 500px; border-radius: 50%;
  background: radial-gradient(circle, rgba(201,168,76,0.12) 0%, transparent 70%);
  pointer-events: none;
}
.hero-content { position: relative; z-index: 2; max-width: 700px; }
.hero-badge {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(201,168,76,0.12); border: 1px solid rgba(201,168,76,0.3);
  color: var(--gold); padding: 6px 16px; border-radius: 20px;
  font-size: 0.8rem; font-weight: 600; letter-spacing: 1px;
  text-transform: uppercase; margin-bottom: 28px;
}
.hero-badge::before {
  content: ''; width: 6px; height: 6px; background: var(--gold);
  border-radius: 50%; animation: pulse 2s infinite;
}
@keyframes pulse {
  0%, 100% { opacity: 1; transform: scale(1); }
  50% { opacity: 0.5; transform: scale(1.4); }
}
.hero h1 {
  font-size: clamp(2.4rem, 5vw, 3.8rem); font-weight: 800;
  color: var(--white); line-height: 1.15; margin-bottom: 24px;
}
.hero h1 span { color: var(--gold); }
.hero-desc {
  font-size: 1.1rem; color: var(--gray-300); margin-bottom: 40px;
  max-width: 560px; line-height: 1.7;
}
.hero-actions { display: flex; gap: 16px; flex-wrap: wrap; margin-bottom: 56px; }
.hero-stats {
  display: flex; gap: 40px; padding-top: 40px;
  border-top: 1px solid rgba(255,255,255,0.1);
}
.hero-stat-num {
  font-size: 2rem; font-weight: 800; color: var(--gold); line-height: 1;
}
.hero-stat-label { font-size: 0.82rem; color: var(--gray-300); margin-top: 4px; }
.hero-visual {
  position: absolute; right: 0; top: 50%; transform: translateY(-50%);
  width: 45%; max-width: 560px; z-index: 1;
}
.hero-card-stack { position: relative; padding: 40px; }
.bank-card {
  background: linear-gradient(135deg, var(--navy-light), var(--navy-mid));
  border: 1px solid rgba(201,168,76,0.3);
  border-radius: 20px; padding: 28px 32px;
  box-shadow: var(--shadow-lg);
  width: 340px;
}
.bank-card.primary {
  background: linear-gradient(135deg, #1a3560, #0d2040);
  border-color: rgba(201,168,76,0.5);
}
.bank-card.secondary {
  position: absolute; top: 20px; right: 0;
  transform: rotate(6deg); opacity: 0.7;
  width: 300px;
}
.card-chip {
  width: 40px; height: 30px;
  background: linear-gradient(135deg, var(--gold), var(--gold-dark));
  border-radius: 6px; margin-bottom: 24px;
}
.card-number { color: var(--gray-300); font-size: 0.9rem; letter-spacing: 3px; margin-bottom: 20px; }
.card-holder { display: flex; justify-content: space-between; }
.card-holder-label { font-size: 0.65rem; color: var(--gray-500); text-transform: uppercase; letter-spacing: 1px; }
.card-holder-name { color: var(--white); font-size: 0.9rem; font-weight: 600; margin-top: 2px; }
.card-logo { color: var(--gold); font-size: 0.75rem; font-weight: 700; letter-spacing: 1px; }

/* ============================================================
   TRUST BAR
   ============================================================ */
.trust-bar {
  background: var(--navy-mid);
  border-top: 1px solid rgba(201,168,76,0.15);
  border-bottom: 1px solid rgba(201,168,76,0.15);
  padding: 20px 0;
}
.trust-bar-inner {
  display: flex; align-items: center; justify-content: space-around;
  flex-wrap: wrap; gap: 20px;
}
.trust-item {
  display: flex; align-items: center; gap: 10px;
  color: var(--gray-300); font-size: 0.88rem;
}
.trust-item i { color: var(--gold); font-size: 1.1rem; }
.trust-item strong { color: var(--white); }

/* ============================================================
   SERVICES SECTION
   ============================================================ */
.service-card {
  background: var(--white); border-radius: var(--radius-lg);
  padding: 32px 28px; border: 1px solid var(--gray-100);
  transition: var(--transition); position: relative; overflow: hidden;
}
.service-card::before {
  content: ''; position: absolute; top: 0; left: 0; right: 0;
  height: 3px; background: var(--gold); transform: scaleX(0);
  transform-origin: left; transition: var(--transition);
}
.service-card:hover { box-shadow: var(--shadow-lg); transform: translateY(-6px); border-color: rgba(201,168,76,0.3); }
.service-card:hover::before { transform: scaleX(1); }
.service-icon {
  width: 56px; height: 56px; background: rgba(201,168,76,0.1);
  border-radius: 12px; display: flex; align-items: center; justify-content: center;
  font-size: 1.5rem; margin-bottom: 20px; transition: var(--transition);
}
.service-card:hover .service-icon { background: var(--gold); }
.service-title { font-size: 1.1rem; font-weight: 700; color: var(--navy); margin-bottom: 10px; }
.service-desc { font-size: 0.9rem; color: var(--gray-500); line-height: 1.6; }
.service-link {
  display: inline-flex; align-items: center; gap: 6px;
  color: var(--gold); font-size: 0.88rem; font-weight: 600;
  margin-top: 16px; transition: var(--transition);
}
.service-link:hover { gap: 10px; }

/* ============================================================
   RATES TICKER
   ============================================================ */
.rates-ticker {
  background: var(--gold); padding: 10px 0; overflow: hidden;
}
.ticker-inner {
  display: flex; align-items: center; gap: 0;
  animation: ticker 30s linear infinite;
  white-space: nowrap;
}
@keyframes ticker {
  0% { transform: translateX(0); }
  100% { transform: translateX(-50%); }
}
.ticker-item {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 0 32px; color: var(--navy); font-size: 0.85rem; font-weight: 600;
}
.ticker-item .rate-up { color: #1a6e3e; }
.ticker-item .rate-down { color: #8b1a1a; }
.ticker-sep { color: rgba(10,22,40,0.3); }

/* ============================================================
   ABOUT SECTION
   ============================================================ */
.about-img-wrap {
  position: relative; border-radius: var(--radius-lg); overflow: hidden;
}
.about-img-placeholder {
  width: 100%; height: 480px;
  background: linear-gradient(135deg, var(--navy-mid), var(--navy-light));
  display: flex; flex-direction: column; align-items: center; justify-content: center;
  color: var(--white); gap: 16px; border-radius: var(--radius-lg);
}
.about-badge {
  position: absolute; bottom: 28px; left: 28px;
  background: var(--gold); color: var(--navy);
  padding: 16px 20px; border-radius: var(--radius-lg);
  font-weight: 700; text-align: center;
}
.about-badge-num { font-size: 2rem; line-height: 1; }
.about-badge-text { font-size: 0.75rem; }
.about-features { display: flex; flex-direction: column; gap: 20px; margin-top: 28px; }
.about-feature {
  display: flex; gap: 16px; align-items: flex-start;
}
.about-feature-icon {
  width: 44px; height: 44px; background: rgba(201,168,76,0.12);
  border-radius: 10px; display: flex; align-items: center; justify-content: center;
  font-size: 1.2rem; flex-shrink: 0; color: var(--gold);
}
.about-feature-title { font-size: 1rem; font-weight: 700; color: var(--navy); margin-bottom: 4px; }
.about-feature-desc { font-size: 0.88rem; color: var(--gray-500); }

/* ============================================================
   PRODUCTS SECTION
   ============================================================ */
.product-tabs { display: flex; gap: 8px; margin-bottom: 40px; flex-wrap: wrap; }
.product-tab {
  padding: 10px 22px; border-radius: 24px; font-size: 0.9rem;
  font-weight: 600; cursor: pointer; border: 2px solid var(--gray-100);
  color: var(--gray-500); background: var(--white); transition: var(--transition);
}
.product-tab.active, .product-tab:hover {
  background: var(--navy); color: var(--white); border-color: var(--navy);
}
.product-panel { display: none; }
.product-panel.active { display: grid; grid-template-columns: repeat(3,1fr); gap: 24px; }
.product-card {
  background: var(--white); border: 1px solid var(--gray-100);
  border-radius: var(--radius-lg); padding: 28px 24px;
  transition: var(--transition);
}
.product-card:hover { box-shadow: var(--shadow); border-color: rgba(201,168,76,0.3); }
.product-card.featured {
  background: var(--navy); border-color: var(--gold);
  color: var(--white);
}
.product-badge {
  display: inline-block; background: var(--gold); color: var(--navy);
  font-size: 0.7rem; font-weight: 700; padding: 3px 10px;
  border-radius: 12px; text-transform: uppercase; letter-spacing: 1px;
  margin-bottom: 16px;
}
.product-name { font-size: 1.15rem; font-weight: 700; margin-bottom: 8px; }
.product-rate { font-size: 2rem; font-weight: 800; color: var(--gold); margin-bottom: 4px; }
.product-rate-label { font-size: 0.8rem; color: var(--gray-500); margin-bottom: 16px; }
.product-card.featured .product-rate-label { color: var(--gray-300); }
.product-features { display: flex; flex-direction: column; gap: 8px; margin-bottom: 24px; }
.product-feature {
  display: flex; align-items: center; gap: 8px;
  font-size: 0.88rem; color: var(--gray-500);
}
.product-card.featured .product-feature { color: var(--gray-300); }
.product-feature::before {
  content: '✓'; color: var(--success); font-weight: 700; flex-shrink: 0;
}

/* ============================================================
   TESTIMONIALS
   ============================================================ */
.testimonials { background: var(--navy); }
.testimonial-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 24px; }
.testimonial-card {
  background: rgba(255,255,255,0.05); border: 1px solid rgba(255,255,255,0.1);
  border-radius: var(--radius-lg); padding: 28px 24px;
  transition: var(--transition);
}
.testimonial-card:hover { background: rgba(201,168,76,0.08); border-color: rgba(201,168,76,0.3); }
.testimonial-stars { color: var(--gold); font-size: 1rem; margin-bottom: 14px; }
.testimonial-text {
  color: var(--gray-300); font-size: 0.92rem; line-height: 1.7;
  margin-bottom: 20px; font-style: italic;
}
.testimonial-author { display: flex; align-items: center; gap: 12px; }
.author-avatar {
  width: 44px; height: 44px; border-radius: 50%;
  background: linear-gradient(135deg, var(--gold), var(--gold-dark));
  display: flex; align-items: center; justify-content: center;
  font-weight: 700; color: var(--navy); font-size: 1rem;
}
.author-name { font-size: 0.92rem; font-weight: 700; color: var(--white); }
.author-role { font-size: 0.78rem; color: var(--gray-500); }

/* ============================================================
   CTA BANNER
   ============================================================ */
.cta-banner {
  background: linear-gradient(135deg, var(--gold-dark), var(--gold));
  padding: 64px 0;
}
.cta-banner h2 { font-size: 2.2rem; font-weight: 800; color: var(--navy); margin-bottom: 14px; }
.cta-banner p { color: rgba(10,22,40,0.75); font-size: 1.05rem; margin-bottom: 32px; }
.cta-banner .btn-navy {
  background: var(--navy); color: var(--white); border: none;
  padding: 14px 36px; border-radius: var(--radius); font-weight: 700;
  font-size: 1rem; cursor: pointer; transition: var(--transition);
}
.cta-banner .btn-navy:hover { background: var(--navy-light); transform: translateY(-2px); }

/* ============================================================
   NEWS SECTION
   ============================================================ */
.news-card {
  background: var(--white); border-radius: var(--radius-lg);
  border: 1px solid var(--gray-100); overflow: hidden;
  transition: var(--transition);
}
.news-card:hover { box-shadow: var(--shadow); transform: translateY(-4px); }
.news-img {
  height: 180px;
  background: linear-gradient(135deg, var(--navy-mid), var(--navy-light));
  display: flex; align-items: center; justify-content: center;
  font-size: 2.5rem;
}
.news-body { padding: 22px; }
.news-tag {
  display: inline-block; background: rgba(201,168,76,0.12);
  color: var(--gold); font-size: 0.72rem; font-weight: 700;
  padding: 3px 10px; border-radius: 12px; text-transform: uppercase;
  letter-spacing: 1px; margin-bottom: 10px;
}
.news-title { font-size: 1rem; font-weight: 700; color: var(--navy); margin-bottom: 8px; line-height: 1.4; }
.news-excerpt { font-size: 0.86rem; color: var(--gray-500); line-height: 1.6; margin-bottom: 14px; }
.news-meta { font-size: 0.78rem; color: var(--gray-300); }

/* ============================================================
   FOOTER
   ============================================================ */
.site-footer {
  background: #060e1a; color: var(--gray-300);
  padding: 64px 0 0;
}
.footer-grid {
  display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 40px;
  padding-bottom: 48px; border-bottom: 1px solid rgba(255,255,255,0.08);
}
.footer-brand p { font-size: 0.9rem; line-height: 1.7; margin: 16px 0 24px; }
.footer-social { display: flex; gap: 10px; }
.social-btn {
  width: 36px; height: 36px; border-radius: 8px;
  background: rgba(255,255,255,0.06); border: 1px solid rgba(255,255,255,0.1);
  display: flex; align-items: center; justify-content: center;
  font-size: 0.9rem; color: var(--gray-300); transition: var(--transition);
  cursor: pointer;
}
.social-btn:hover { background: var(--gold); color: var(--navy); border-color: var(--gold); }
.footer-col h4 {
  font-size: 0.9rem; font-weight: 700; color: var(--white);
  text-transform: uppercase; letter-spacing: 1px; margin-bottom: 18px;
}
.footer-col ul { display: flex; flex-direction: column; gap: 10px; }
.footer-col ul li a {
  font-size: 0.88rem; color: var(--gray-500); transition: var(--transition);
}
.footer-col ul li a:hover { color: var(--gold); padding-left: 4px; }
.footer-contact-item {
  display: flex; gap: 10px; align-items: flex-start;
  font-size: 0.86rem; margin-bottom: 12px;
}
.footer-contact-item i { color: var(--gold); margin-top: 2px; flex-shrink: 0; }
.footer-bottom {
  padding: 20px 0; display: flex; align-items: center;
  justify-content: space-between; flex-wrap: wrap; gap: 12px;
}
.footer-bottom p { font-size: 0.82rem; color: var(--gray-700); }
.footer-bottom-links { display: flex; gap: 20px; }
.footer-bottom-links a { font-size: 0.82rem; color: var(--gray-700); transition: var(--transition); }
.footer-bottom-links a:hover { color: var(--gold); }
.fscs-badge {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(201,168,76,0.1); border: 1px solid rgba(201,168,76,0.25);
  padding: 8px 14px; border-radius: var(--radius); font-size: 0.78rem;
  color: var(--gold); margin-top: 16px;
}

/* ============================================================
   PAGE HERO (inner pages)
   ============================================================ */
.page-hero {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  padding: 140px 0 80px; position: relative; overflow: hidden;
}
.page-hero::after {
  content: ''; position: absolute; inset: 0;
  background-image: repeating-linear-gradient(45deg, rgba(201,168,76,0.03) 0, rgba(201,168,76,0.03) 1px, transparent 0, transparent 50%);
  background-size: 30px 30px;
}
.page-hero-content { position: relative; z-index: 1; }
.breadcrumb {
  display: flex; align-items: center; gap: 8px;
  font-size: 0.82rem; color: var(--gray-300); margin-bottom: 16px;
}
.breadcrumb a { color: var(--gold); }
.breadcrumb span { color: var(--gray-500); }
.page-hero h1 { font-size: 2.8rem; font-weight: 800; color: var(--white); margin-bottom: 14px; }
.page-hero p { font-size: 1.1rem; color: var(--gray-300); max-width: 560px; }

/* ============================================================
   CONTACT PAGE
   ============================================================ */
.contact-grid { display: grid; grid-template-columns: 1fr 1.4fr; gap: 48px; align-items: start; }
.contact-info-card {
  background: var(--navy); border-radius: var(--radius-lg);
  padding: 36px 32px; color: var(--white);
}
.contact-info-item { display: flex; gap: 16px; margin-bottom: 28px; }
.contact-info-icon {
  width: 48px; height: 48px; background: rgba(201,168,76,0.12);
  border-radius: 10px; display: flex; align-items: center; justify-content: center;
  font-size: 1.2rem; color: var(--gold); flex-shrink: 0;
}
.contact-info-label { font-size: 0.78rem; color: var(--gray-500); text-transform: uppercase; letter-spacing: 1px; margin-bottom: 4px; }
.contact-info-value { font-size: 0.95rem; color: var(--white); line-height: 1.5; }
.contact-form-card {
  background: var(--white); border-radius: var(--radius-lg);
  padding: 36px 32px; border: 1px solid var(--gray-100);
  box-shadow: var(--shadow);
}
.form-group { margin-bottom: 20px; }
.form-label { display: block; font-size: 0.85rem; font-weight: 600; color: var(--navy); margin-bottom: 6px; }
.form-control {
  width: 100%; padding: 11px 14px; border: 1.5px solid var(--gray-100);
  border-radius: var(--radius); font-size: 0.92rem; color: var(--navy);
  background: var(--white); transition: var(--transition); outline: none;
}
.form-control:focus { border-color: var(--gold); box-shadow: 0 0 0 3px rgba(201,168,76,0.12); }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
textarea.form-control { resize: vertical; min-height: 120px; }
select.form-control { cursor: pointer; }

/* ============================================================
   ABOUT PAGE
   ============================================================ */
.leadership-card {
  background: var(--white); border-radius: var(--radius-lg);
  border: 1px solid var(--gray-100); overflow: hidden;
  transition: var(--transition); text-align: center;
}
.leadership-card:hover { box-shadow: var(--shadow); transform: translateY(-4px); }
.leader-avatar {
  height: 200px;
  background: linear-gradient(135deg, var(--navy-mid), var(--navy-light));
  display: flex; align-items: center; justify-content: center;
  font-size: 4rem; color: var(--gold);
}
.leader-body { padding: 20px; }
.leader-name { font-size: 1.05rem; font-weight: 700; color: var(--navy); }
.leader-title { font-size: 0.82rem; color: var(--gray-500); margin-top: 4px; }
.stat-card {
  background: var(--white); border-radius: var(--radius-lg);
  border: 1px solid var(--gray-100); padding: 28px 24px; text-align: center;
}
.stat-num { font-size: 2.4rem; font-weight: 800; color: var(--gold); }
.stat-label { font-size: 0.88rem; color: var(--gray-500); margin-top: 6px; }

/* ============================================================
   LOANS PAGE
   ============================================================ */
.loan-card {
  background: var(--white); border-radius: var(--radius-lg);
  border: 1px solid var(--gray-100); padding: 32px 28px;
  transition: var(--transition); position: relative;
}
.loan-card:hover { box-shadow: var(--shadow-lg); border-color: rgba(201,168,76,0.3); }
.loan-card.featured-loan {
  border-color: var(--gold); background: var(--navy);
  color: var(--white);
}
.loan-icon {
  width: 60px; height: 60px; background: rgba(201,168,76,0.1);
  border-radius: 14px; display: flex; align-items: center; justify-content: center;
  font-size: 1.6rem; margin-bottom: 20px;
}
.loan-card.featured-loan .loan-icon { background: rgba(201,168,76,0.2); }
.loan-name { font-size: 1.2rem; font-weight: 700; margin-bottom: 8px; }
.loan-rate { font-size: 2.2rem; font-weight: 800; color: var(--gold); }
.loan-rate-label { font-size: 0.8rem; color: var(--gray-500); margin-bottom: 16px; }
.loan-card.featured-loan .loan-rate-label { color: var(--gray-300); }
.loan-details { display: flex; flex-direction: column; gap: 8px; margin-bottom: 24px; }
.loan-detail { display: flex; justify-content: space-between; font-size: 0.88rem; padding: 8px 0; border-bottom: 1px solid var(--gray-100); }
.loan-card.featured-loan .loan-detail { border-color: rgba(255,255,255,0.1); color: var(--gray-300); }
.loan-detail strong { color: var(--navy); }
.loan-card.featured-loan .loan-detail strong { color: var(--white); }

/* ============================================================
   CALCULATOR
   ============================================================ */
.calculator-card {
  background: var(--navy); border-radius: var(--radius-lg);
  padding: 40px; color: var(--white); box-shadow: var(--shadow-lg);
}
.calc-title { font-size: 1.4rem; font-weight: 700; margin-bottom: 28px; }
.calc-label { font-size: 0.85rem; color: var(--gray-300); margin-bottom: 6px; }
.calc-input {
  width: 100%; padding: 12px 16px; background: rgba(255,255,255,0.08);
  border: 1.5px solid rgba(255,255,255,0.15); border-radius: var(--radius);
  color: var(--white); font-size: 1rem; outline: none; transition: var(--transition);
  margin-bottom: 18px;
}
.calc-input:focus { border-color: var(--gold); }
.calc-result {
  background: rgba(201,168,76,0.12); border: 1px solid rgba(201,168,76,0.3);
  border-radius: var(--radius); padding: 20px; margin-top: 8px;
}
.calc-result-label { font-size: 0.82rem; color: var(--gray-300); margin-bottom: 4px; }
.calc-result-value { font-size: 1.8rem; font-weight: 800; color: var(--gold); }

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (max-width: 1024px) {
  .hero-visual { display: none; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .slider-nav button { padding: 8px 12px; font-size: 1.2rem; }
}
@media (max-width: 768px) {
  .main-nav, .header-cta .btn { display: none; }
  .hamburger { display: flex; }
  .hero h1 { font-size: 2.2rem; }
  .hero-stats { gap: 24px; flex-wrap: wrap; }
  .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; }
  .section-title { font-size: 1.8rem; }
  .footer-grid { grid-template-columns: 1fr; }
  .contact-grid { grid-template-columns: 1fr; }
  .testimonial-grid { grid-template-columns: 1fr; }
  .product-panel.active { grid-template-columns: 1fr; }
  .page-hero h1 { font-size: 2rem; }
  .form-row { grid-template-columns: 1fr; }
  .hero { height: 70vh; min-height: 500px; }
  .hero-content { max-width: 100%; }
  .hero-desc { font-size: 1rem; }
  .hero-actions { flex-direction: column; gap: 12px; }
  .btn-lg { padding: 14px 32px; font-size: 1rem; }
  .slider-nav { padding: 0 12px; }
  .slider-nav button { padding: 6px 10px; font-size: 1rem; }
  .slider-dots { bottom: 12px; gap: 6px; }
  .slider-dots .dot { width: 8px; height: 8px; }
  .rates-ticker { font-size: 0.9rem; }
  .trust-item span { font-size: 0.85rem; }
}
@media (max-width: 480px) {
  .container { padding: 0 16px; }
  .section-pad { padding: 56px 0; }
  .hero-actions { flex-direction: column; }
  .hero-stats { flex-direction: column; gap: 16px; }
  .hero h1 { font-size: 1.8rem; }
  .hero-badge { font-size: 0.7rem; padding: 4px 12px; }
  .hero-stat-num { font-size: 1.6rem; }
  .hero-stat-label { font-size: 0.75rem; }
  .btn { padding: 10px 20px; font-size: 0.9rem; }
  .btn-lg { padding: 12px 24px; font-size: 0.95rem; }
  .section-title { font-size: 1.5rem; }
  .section-sub { font-size: 0.95rem; }
  .service-card { padding: 20px; }
  .service-icon { font-size: 2rem; }
  .testimonial { padding: 20px; }
  .rates-ticker { font-size: 0.8rem; padding: 12px 0; }
  .trust-item { flex-direction: column; gap: 6px; }
  .trust-item i { font-size: 1.2rem; }
  .trust-item span { font-size: 0.8rem; }
  .header-inner { height: 64px; }
  .logo-name { font-size: 0.95rem; }
  .logo-sub { font-size: 0.6rem; }
  .scroll-top { width: 40px; height: 40px; bottom: 20px; right: 20px; font-size: 1rem; }
}

/* ============================================================
   MOBILE MENU
   ============================================================ */
.mobile-menu {
  position: fixed; top: 72px; left: 0; right: 0; bottom: 0;
  background: var(--navy); z-index: 999; padding: 24px;
  transform: translateX(100%); transition: transform 0.3s ease;
  overflow-y: auto;
}
.mobile-menu.open { transform: translateX(0); }
.mobile-nav-link {
  display: block; padding: 14px 0; color: var(--gray-300);
  font-size: 1.1rem; font-weight: 500; border-bottom: 1px solid rgba(255,255,255,0.07);
  transition: var(--transition);
}
.mobile-nav-link:hover { color: var(--gold); }
.mobile-menu-cta { margin-top: 28px; display: flex; flex-direction: column; gap: 12px; }

/* ============================================================
   SCROLL TO TOP
   ============================================================ */
.scroll-top {
  position: fixed; bottom: 28px; right: 28px;
  width: 44px; height: 44px; background: var(--gold);
  border-radius: 50%; display: flex; align-items: center; justify-content: center;
  color: var(--navy); font-size: 1.1rem; cursor: pointer;
  opacity: 0; visibility: hidden; transition: var(--transition);
  box-shadow: 0 4px 16px rgba(201,168,76,0.4); z-index: 500; border: none;
}
.scroll-top.visible { opacity: 1; visibility: visible; }
.scroll-top:hover { transform: translateY(-3px); }

/* ============================================================
   ANIMATIONS
   ============================================================ */
.fade-in {
  opacity: 0; transform: translateY(24px);
  transition: opacity 0.6s ease, transform 0.6s ease;
}
.fade-in.visible { opacity: 1; transform: translateY(0); }

/* ============================================================
   HERO SLIDER
   ============================================================ */
.hero-slider {
  position: relative;
  width: 100%;
  height: 100%;
  overflow: hidden;
}

.hero-slider .slide {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  background-size: cover;
  background-position: center;
  opacity: 0;
  transition: opacity 1s ease-in-out;
}

.hero-slider .slide.active {
  opacity: 1;
}

.hero-overlay {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  background: linear-gradient(90deg, rgba(10, 22, 40, 0.9) 0%, rgba(10, 22, 40, 0.7) 50%, rgba(10, 22, 40, 0.2) 100%);
}

.hero-slider .container {
  position: relative;
  z-index: 2;
  height: 100%;
  display: flex;
  align-items: center;
}

.slider-nav {
  position: absolute;
  bottom: 50%;
  transform: translateY(50%);
  width: 100%;
  display: flex;
  justify-content: space-between;
  padding: 0 20px;
  z-index: 3;
}

.slider-nav button {
  background: rgba(255, 255, 255, 0.1);
  border: none;
  color: var(--white);
  font-size: 1.5rem;
  padding: 10px 15px;
  cursor: pointer;
  border-radius: var(--radius);
  transition: background 0.3s ease;
}

.slider-nav button:hover {
  background: rgba(255, 255, 255, 0.2);
}

.slider-dots {
  position: absolute;
  bottom: 20px;
  left: 50%;
  transform: translateX(-50%);
  display: flex;
  gap: 8px;
  z-index: 3;
}

.slider-dots .dot {
  width: 10px;
  height: 10px;
  background: rgba(255, 255, 255, 0.4);
  border-radius: 50%;
  cursor: pointer;
  transition: background 0.3s ease;
}

.slider-dots .dot.active {
  background: var(--gold);
}

/* Adjust hero content for slider */
.hero {
  height: 80vh; /* Adjust as needed */
  min-height: 600px;
  display: flex;
  align-items: center;
  position: relative;
  overflow: hidden;
}

.hero-content {
  max-width: 600px;
  color: var(--white);
  position: relative;
  z-index: 2;
}

.hero-visual {
  position: absolute;
  right: 5%;
  bottom: 10%;
  z-index: 1;
  transform: rotate(-10deg);
  opacity: 0.8;
  display: none; /* Hide by default for slider, will show on specific slides if needed */
}

.hero-slider .slide:first-child .hero-visual {
  display: block;
}

@media (max-width: 992px) {
  .hero-content {
    text-align: center;
    max-width: 100%;
  }
  .hero-actions {
    justify-content: center;
  }
  .hero-stats {
    justify-content: center;
  }
  .hero-visual {
    display: none !important;
  }
  .hero-overlay {
    background: linear-gradient(180deg, rgba(10, 22, 40, 0.9) 0%, rgba(10, 22, 40, 0.7) 50%, rgba(10, 22, 40, 0.2) 100%);
  }
}