/* ================================================== */
/* SCALLOPS FINCORP — PREMIUM DESIGN SYSTEM           */
/* ================================================== */

@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:wght@400;600;700;800;900&family=Inter:wght@300;400;500;600;700;800&family=DM+Sans:wght@400;500;700&display=swap');

:root {
  --navy: #0a1628;
  --navy-light: #162040;
  --navy-mid: #1a2d50;
  --gold: #c9a84c;
  --gold-light: #e8d48b;
  --gold-dark: #a88a2e;
  --white: #ffffff;
  --off-white: #f5f7fa;
  --cream: #faf8f4;
  --text: #2d3748;
  --text-muted: #718096;
  --border: #e2e8f0;
  --shadow-soft: 0 4px 20px rgba(10, 22, 40, 0.08);
  --shadow-medium: 0 8px 40px rgba(10, 22, 40, 0.12);
  --shadow-heavy: 0 20px 60px rgba(10, 22, 40, 0.15);
  --radius: 16px;
  --radius-sm: 10px;
  --transition: all 0.4s cubic-bezier(0.4, 0, 0.2, 1);
}

*, *::before, *::after {
  margin: 0;
  padding: 0;
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  font-family: 'DM Sans', 'Inter', sans-serif;
  background-color: var(--white);
  color: var(--text);
  line-height: 1.7;
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

a { text-decoration: none; color: inherit; }
ul { list-style: none; }
img { max-width: 100%; display: block; }

/* ============ NAVBAR ============ */
.navbar {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 1.25rem 6%;
  background: rgba(255,255,255,0.95);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  border-bottom: 1px solid rgba(226,232,240,0.5);
  position: fixed;
  top: 0;
  left: 0;
  width: 100%;
  z-index: 1000;
  transition: var(--transition);
}

.navbar.scrolled {
  padding: 0.75rem 6%;
  box-shadow: 0 4px 30px rgba(10,22,40,0.08);
}

.navbar .logo {
  display: flex;
  align-items: center;
  gap: 0.75rem;
}

.logo-icon {
  width: 44px;
  height: 44px;
  background: linear-gradient(135deg, var(--navy), var(--navy-mid));
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold);
  font-size: 1.2rem;
  box-shadow: 0 4px 12px rgba(10,22,40,0.2);
}

.navbar .logo-text {
  font-family: 'Playfair Display', serif;
  font-size: 1.4rem;
  font-weight: 800;
  color: var(--navy);
  line-height: 1.1;
  letter-spacing: -0.5px;
}

.navbar .logo-text span {
  display: block;
  font-family: 'DM Sans', sans-serif;
  font-size: 0.65rem;
  font-weight: 600;
  letter-spacing: 3px;
  color: var(--gold);
  text-transform: uppercase;
}

.nav-links {
  display: flex;
  gap: 2.5rem;
  align-items: center;
}

.nav-links li a {
  font-weight: 500;
  font-size: 0.9rem;
  color: var(--text);
  transition: var(--transition);
  position: relative;
  padding: 0.5rem 0;
}

.nav-links li a::after {
  content: '';
  position: absolute;
  width: 0;
  height: 2px;
  bottom: 0;
  left: 50%;
  transform: translateX(-50%);
  background: linear-gradient(90deg, var(--gold), var(--gold-light));
  transition: var(--transition);
  border-radius: 2px;
}

.nav-links li a:hover::after,
.nav-links li a.active::after {
  width: 100%;
}

.nav-links li a:hover,
.nav-links li a.active {
  color: var(--navy);
}

/* Dropdown */
.dropdown { position: relative; }

.dropdown-menu {
  position: absolute;
  top: calc(100% + 12px);
  left: 50%;
  transform: translateX(-50%) translateY(8px);
  background: var(--white);
  box-shadow: var(--shadow-medium);
  min-width: 220px;
  opacity: 0;
  visibility: hidden;
  transition: var(--transition);
  border-radius: var(--radius-sm);
  padding: 0.5rem;
  border: 1px solid var(--border);
}

.dropdown:hover .dropdown-menu {
  opacity: 1;
  visibility: visible;
  transform: translateX(-50%) translateY(0);
}

.dropdown-menu li a {
  display: block;
  padding: 0.7rem 1rem;
  color: var(--text);
  border-radius: 8px;
  font-size: 0.875rem;
}

.dropdown-menu li a::after { display: none; }

.dropdown-menu li a:hover {
  background: var(--off-white);
  color: var(--navy);
}

/* Buttons */
.btn-primary {
  background: linear-gradient(135deg, var(--navy), var(--navy-mid));
  color: var(--white);
  padding: 0.7rem 1.75rem;
  border-radius: 50px;
  font-weight: 600;
  font-size: 0.875rem;
  transition: var(--transition);
  border: none;
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  cursor: pointer;
  position: relative;
  overflow: hidden;
}

.btn-primary::before {
  content: '';
  position: absolute;
  top: 0; left: -100%;
  width: 100%; height: 100%;
  background: linear-gradient(90deg, transparent, rgba(201,168,76,0.2), transparent);
  transition: left 0.6s ease;
}

.btn-primary:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 25px rgba(10,22,40,0.3);
}

.btn-primary:hover::before { left: 100%; }

.btn-gold {
  background: linear-gradient(135deg, var(--gold), var(--gold-dark));
  color: var(--navy);
  padding: 0.7rem 1.75rem;
  border-radius: 50px;
  font-weight: 700;
  font-size: 0.875rem;
  transition: var(--transition);
  border: none;
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  cursor: pointer;
}

.btn-gold:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 25px rgba(201,168,76,0.4);
}

.btn-outline {
  background: transparent;
  color: var(--white);
  padding: 0.7rem 1.75rem;
  border-radius: 50px;
  font-weight: 600;
  font-size: 0.875rem;
  transition: var(--transition);
  border: 2px solid rgba(255,255,255,0.3);
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
}

.btn-outline:hover {
  background: var(--white);
  color: var(--navy);
  border-color: var(--white);
}

/* ============ HERO SECTION ============ */
.hero {
  position: relative;
  min-height: 100vh;
  display: flex;
  align-items: center;
  background: linear-gradient(135deg, var(--navy) 0%, #0f1f3d 40%, var(--navy-mid) 100%);
  overflow: hidden;
  padding-top: 80px;
}

.hero-particles {
  position: absolute;
  top: 0; left: 0;
  width: 100%; height: 100%;
  overflow: hidden;
  z-index: 0;
}

.particle {
  position: absolute;
  width: 4px;
  height: 4px;
  background: var(--gold);
  border-radius: 50%;
  opacity: 0;
  animation: particleFloat 8s infinite;
}

@keyframes particleFloat {
  0% { opacity: 0; transform: translateY(100vh) scale(0); }
  10% { opacity: 0.6; }
  90% { opacity: 0.6; }
  100% { opacity: 0; transform: translateY(-10vh) scale(1); }
}

.hero-gradient-orb {
  position: absolute;
  border-radius: 50%;
  filter: blur(80px);
  z-index: 0;
}

.orb-1 {
  width: 500px; height: 500px;
  background: rgba(201,168,76,0.12);
  top: -10%; right: 10%;
  animation: orbFloat 12s ease-in-out infinite alternate;
}

.orb-2 {
  width: 300px; height: 300px;
  background: rgba(26,45,80,0.3);
  bottom: 10%; left: 5%;
  animation: orbFloat 10s ease-in-out infinite alternate-reverse;
}

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

.hero-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 4rem;
  width: 100%;
  max-width: 1400px;
  margin: 0 auto;
  padding: 3rem 6%;
  position: relative;
  z-index: 2;
}

.hero-text {
  flex: 1;
  max-width: 580px;
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  background: rgba(201,168,76,0.15);
  border: 1px solid rgba(201,168,76,0.3);
  padding: 0.4rem 1rem;
  border-radius: 50px;
  color: var(--gold-light);
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: 1px;
  text-transform: uppercase;
  margin-bottom: 1.5rem;
  animation: fadeSlideUp 0.8s 0.2s both;
}

.hero-text h1 {
  font-family: 'Playfair Display', serif;
  font-size: 4.5rem;
  font-weight: 900;
  color: var(--white);
  line-height: 1.05;
  margin-bottom: 1.5rem;
  letter-spacing: -1px;
  animation: fadeSlideUp 0.8s 0.4s both;
}

.hero-text h1 .highlight {
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.hero-text p {
  font-size: 1.15rem;
  color: rgba(255,255,255,0.7);
  margin-bottom: 2.5rem;
  line-height: 1.8;
  animation: fadeSlideUp 0.8s 0.6s both;
}

.hero-buttons {
  display: flex;
  gap: 1rem;
  animation: fadeSlideUp 0.8s 0.8s both;
}

@keyframes fadeSlideUp {
  from { opacity: 0; transform: translateY(30px); }
  to { opacity: 1; transform: translateY(0); }
}

.hero-image-area {
  flex: 1;
  max-width: 550px;
  position: relative;
  animation: fadeSlideUp 1s 0.5s both;
}

.hero-img-container {
  position: relative;
  border-radius: 24px;
  overflow: hidden;
  box-shadow: 0 30px 80px rgba(0,0,0,0.4);
  border: 1px solid rgba(255,255,255,0.1);
}

.hero-img-container img {
  width: 100%;
  height: auto;
  display: block;
}

.hero-img-container::after {
  content: '';
  position: absolute;
  top: 0; left: 0;
  width: 100%; height: 100%;
  background: linear-gradient(135deg, rgba(10,22,40,0.2), transparent 50%);
}

/* Floating stat cards on hero */
.hero-float-card {
  position: absolute;
  background: rgba(255,255,255,0.1);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  border: 1px solid rgba(255,255,255,0.15);
  border-radius: var(--radius);
  padding: 1rem 1.25rem;
  color: var(--white);
  z-index: 3;
  animation: floatBounce 6s ease-in-out infinite;
}

.hero-float-card.card-1 {
  bottom: 15%;
  left: -30px;
  animation-delay: 0s;
}

.hero-float-card.card-2 {
  top: 10%;
  right: -20px;
  animation-delay: 2s;
}

@keyframes floatBounce {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-15px); }
}

.hero-float-card .card-number {
  font-family: 'Playfair Display', serif;
  font-size: 1.75rem;
  font-weight: 800;
  color: var(--gold);
}

.hero-float-card .card-label {
  font-size: 0.75rem;
  color: rgba(255,255,255,0.7);
  font-weight: 500;
}

/* ============ TRUST BAR ============ */
.trust-bar {
  background: var(--white);
  padding: 2rem 6%;
  border-bottom: 1px solid var(--border);
}

.trust-bar-inner {
  display: flex;
  justify-content: center;
  align-items: center;
  gap: 3rem;
  max-width: 1200px;
  margin: 0 auto;
  flex-wrap: wrap;
}

.trust-item {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  color: var(--text-muted);
  font-size: 0.9rem;
  font-weight: 500;
}

.trust-item i {
  color: var(--gold);
  font-size: 1.1rem;
}

/* ============ SECTIONS ============ */
.section {
  padding: 6rem 6%;
}

.section-header {
  text-align: center;
  max-width: 700px;
  margin: 0 auto 4rem;
}

.section-label {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  color: var(--gold-dark);
  font-size: 0.8rem;
  font-weight: 700;
  letter-spacing: 2px;
  text-transform: uppercase;
  margin-bottom: 1rem;
}

.section-label::before,
.section-label::after {
  content: '';
  width: 30px;
  height: 1px;
  background: var(--gold);
}

.section-title {
  font-family: 'Playfair Display', serif;
  font-size: 2.75rem;
  color: var(--navy);
  line-height: 1.2;
  margin-bottom: 1rem;
  letter-spacing: -0.5px;
}

.section-subtitle {
  font-size: 1.05rem;
  color: var(--text-muted);
  line-height: 1.8;
}

/* ============ SERVICES CARDS ============ */
.services-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
  max-width: 1200px;
  margin: 0 auto;
}

.service-card {
  background: var(--white);
  padding: 2.5rem 2rem;
  border-radius: var(--radius);
  border: 1px solid var(--border);
  transition: var(--transition);
  position: relative;
  overflow: hidden;
  cursor: pointer;
  text-align: left;
}

.service-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 4px;
  background: linear-gradient(90deg, var(--gold), var(--gold-light));
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.5s ease;
}

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

.service-card:hover {
  transform: translateY(-8px);
  box-shadow: var(--shadow-heavy);
  border-color: transparent;
}

.service-icon-wrap {
  width: 64px;
  height: 64px;
  border-radius: 16px;
  background: linear-gradient(135deg, var(--navy), var(--navy-mid));
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold);
  font-size: 1.5rem;
  margin-bottom: 1.5rem;
  transition: var(--transition);
}

.service-card:hover .service-icon-wrap {
  transform: scale(1.1) rotate(-5deg);
}

.service-card h3 {
  font-family: 'Playfair Display', serif;
  font-size: 1.4rem;
  color: var(--navy);
  margin-bottom: 0.75rem;
}

.service-card p {
  color: var(--text-muted);
  font-size: 0.95rem;
  margin-bottom: 1.25rem;
}

.service-card .features-list {
  margin-bottom: 1.5rem;
}

.features-list li {
  margin-bottom: 0.5rem;
  position: relative;
  padding-left: 1.5rem;
  color: var(--text);
  font-size: 0.9rem;
}

.features-list li::before {
  content: '✓';
  position: absolute;
  left: 0;
  color: var(--gold);
  font-weight: 700;
}

.service-link {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  color: var(--gold-dark);
  font-weight: 600;
  font-size: 0.875rem;
  transition: var(--transition);
}

.service-link:hover {
  gap: 0.75rem;
  color: var(--navy);
}

/* ============ STATS SECTION ============ */
.stats-section {
  background: linear-gradient(135deg, var(--navy) 0%, #0f1f3d 50%, var(--navy-mid) 100%);
  padding: 5rem 6%;
  position: relative;
  overflow: hidden;
}

.stats-section::before {
  content: '';
  position: absolute;
  top: 0; left: 0;
  width: 100%; height: 100%;
  background: url('../assets/images/services-bg.png') center/cover;
  opacity: 0.1;
}

.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 2rem;
  max-width: 1100px;
  margin: 0 auto;
  position: relative;
  z-index: 1;
}

.stat-item {
  text-align: center;
  padding: 2rem 1rem;
  border-radius: var(--radius);
  background: rgba(255,255,255,0.03);
  border: 1px solid rgba(255,255,255,0.08);
  transition: var(--transition);
}

.stat-item:hover {
  background: rgba(255,255,255,0.06);
  transform: translateY(-5px);
}

.stat-item h3 {
  font-family: 'Playfair Display', serif;
  font-size: 3rem;
  color: var(--gold);
  margin-bottom: 0.25rem;
  font-weight: 900;
}

.stat-item p {
  color: rgba(255,255,255,0.7);
  font-weight: 500;
  font-size: 0.85rem;
  letter-spacing: 1px;
  text-transform: uppercase;
}

/* ============ WHY CHOOSE ============ */
.why-section {
  background: var(--cream);
}

.why-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1.5rem;
  max-width: 1100px;
  margin: 0 auto;
}

.why-card {
  display: flex;
  align-items: flex-start;
  gap: 1.25rem;
  padding: 2rem;
  background: var(--white);
  border-radius: var(--radius);
  border: 1px solid var(--border);
  transition: var(--transition);
}

.why-card:hover {
  box-shadow: var(--shadow-medium);
  transform: translateY(-4px);
}

.why-icon {
  width: 52px;
  height: 52px;
  border-radius: 14px;
  background: linear-gradient(135deg, rgba(201,168,76,0.1), rgba(201,168,76,0.05));
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold-dark);
  font-size: 1.25rem;
  flex-shrink: 0;
}

.why-card h4 {
  font-size: 1.1rem;
  color: var(--navy);
  margin-bottom: 0.4rem;
  font-weight: 700;
}

.why-card p {
  color: var(--text-muted);
  font-size: 0.9rem;
}

/* ============ POSTERS SCROLLER ============ */
.posters-scroller-container {
  max-width: 1400px;
  width: 100%;
  margin: 0 auto;
  overflow: hidden;
  position: relative;
  mask-image: linear-gradient(to right, transparent, black 15%, black 85%, transparent);
  -webkit-mask-image: linear-gradient(to right, transparent, black 15%, black 85%, transparent);
  padding: 3rem 0;
}

.posters-scroller {
  display: flex;
  gap: 3rem;
  width: max-content;
  animation: scroll-posters 35s linear infinite;
  align-items: center;
}

.posters-scroller:hover {
  animation-play-state: paused;
}

.posters-scroller:hover .poster-card {
  opacity: 0.6;
  filter: blur(2px);
  transform: scale(0.95);
}

@keyframes scroll-posters {
  0% {
    transform: translateX(0);
  }
  100% {
    /* 10 items, 9 gaps (3rem). Shift by 5 items + 5 gaps = 50% + 1.5rem */
    transform: translateX(calc(-50% - 1.5rem));
  }
}

.poster-card {
  width: 360px;
  flex-shrink: 0;
  border-radius: 20px;
  overflow: hidden;
  box-shadow: 0 15px 35px rgba(0,0,0,0.1);
  transition: all 0.6s cubic-bezier(0.23, 1, 0.32, 1);
  border: 1px solid rgba(201, 168, 76, 0.2);
  background: var(--white);
  display: flex;
  justify-content: center;
  align-items: center;
  position: relative;
  transform: perspective(1000px) rotateY(0) translateY(0);
}

.poster-card::after {
  content: '';
  position: absolute;
  inset: 0;
  border-radius: 20px;
  box-shadow: inset 0 0 20px rgba(201, 168, 76, 0.1);
  pointer-events: none;
  transition: opacity 0.5s ease;
  opacity: 0;
}

.poster-card:hover::after {
  opacity: 1;
}

.poster-card img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
  transition: transform 0.7s cubic-bezier(0.23, 1, 0.32, 1);
}

.posters-scroller .poster-card:hover {
  opacity: 1;
  filter: blur(0);
  transform: perspective(1000px) translateY(-15px) scale(1.05);
  box-shadow: 0 30px 60px rgba(0,0,0,0.15), 0 0 40px rgba(201, 168, 76, 0.3);
  border-color: var(--gold);
  z-index: 10;
}

.poster-card:hover img {
  transform: scale(1.03);
}

/* ============ SPECIAL BENEFIT FUNDS SECTION ============ */
.benefit-funds-section {
    background: radial-gradient(circle at center, #111a3b 0%, var(--navy) 100%);
    color: var(--white);
    position: relative;
    overflow: hidden;
    padding-top: 5rem;
    padding-bottom: 5rem;
}

/* Subtle gold glow behind posters */
.benefit-funds-section::before {
    content: '';
    position: absolute;
    width: 600px;
    height: 600px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(201,168,76,0.15) 0%, rgba(201,168,76,0) 70%);
    top: 50%;
    left: 50%;
    transform: translate(-50%, -50%);
    z-index: 0;
    pointer-events: none;
}

.benefit-funds-section .section-header,
.benefit-funds-section .posters-scroller-container,
.benefit-funds-section .btn-primary {
    position: relative;
    z-index: 1;
}

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

.benefit-funds-section .section-subtitle {
    color: rgba(255, 255, 255, 0.7);
}

.benefit-funds-section .section-label {
    background: rgba(201,168,76,0.2);
    color: var(--gold-light);
    border: 1px solid rgba(201,168,76,0.3);
}

/* Enhancing Enroll Now button specifically for this section */
.benefit-funds-section .btn-primary {
    background: linear-gradient(135deg, var(--gold) 0%, var(--gold-dark) 100%);
    box-shadow: 0 10px 20px rgba(201, 168, 76, 0.3);
    border: none;
}

.benefit-funds-section .btn-primary:hover {
    transform: translateY(-3px);
    box-shadow: 0 15px 30px rgba(201, 168, 76, 0.5);
    background: linear-gradient(135deg, var(--gold-light) 0%, var(--gold) 100%);
}

/* ============ GROUP FINANCE CARDS ============ */
.gf-cards-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
  max-width: 1200px;
  margin: 0 auto;
}

.gf-card {
  border-radius: var(--radius);
  overflow: hidden;
  background: var(--white);
  border: 1px solid var(--border);
  transition: var(--transition);
  text-decoration: none;
  display: flex;
  flex-direction: column;
}

.gf-card:hover {
  transform: translateY(-10px);
  box-shadow: var(--shadow-heavy);
  border-color: transparent;
}

.gf-card-image {
  position: relative;
  height: 220px;
  overflow: hidden;
}

.gf-card-image img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.6s cubic-bezier(0.4, 0, 0.2, 1);
}

.gf-card:hover .gf-card-image img {
  transform: scale(1.12);
}

.gf-card-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(to top, rgba(10,22,40,0.6) 0%, transparent 50%);
  transition: var(--transition);
}

.gf-card:hover .gf-card-overlay {
  background: linear-gradient(to top, rgba(10,22,40,0.4) 0%, transparent 60%);
}

.gf-card-body {
  padding: 1.75rem;
  flex: 1;
  display: flex;
  flex-direction: column;
}

.gf-card-icon {
  width: 48px;
  height: 48px;
  border-radius: 12px;
  background: linear-gradient(135deg, rgba(201,168,76,0.15), rgba(201,168,76,0.05));
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold-dark);
  font-size: 1.2rem;
  margin-bottom: 1rem;
  transition: var(--transition);
}

.gf-card:hover .gf-card-icon {
  background: linear-gradient(135deg, var(--navy), var(--navy-mid));
  color: var(--gold);
}

.gf-card-body h3 {
  font-family: 'Playfair Display', serif;
  font-size: 1.3rem;
  color: var(--navy);
  margin-bottom: 0.5rem;
}

.gf-card-body p {
  color: var(--text-muted);
  font-size: 0.9rem;
  margin-bottom: 1.25rem;
  flex: 1;
}

.gf-card-link {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  color: var(--gold-dark);
  font-weight: 600;
  font-size: 0.875rem;
  transition: var(--transition);
}

.gf-card:hover .gf-card-link {
  gap: 0.75rem;
  color: var(--navy);
}

/* ============ CTA SECTION ============ */
.cta-section {
  padding: 6rem 6%;
  background: var(--white);
}

.cta-card {
  max-width: 1000px;
  margin: 0 auto;
  background: linear-gradient(135deg, var(--navy), var(--navy-mid));
  border-radius: 24px;
  padding: 4rem;
  text-align: center;
  position: relative;
  overflow: hidden;
}

.cta-card::before {
  content: '';
  position: absolute;
  width: 400px; height: 400px;
  background: rgba(201,168,76,0.1);
  border-radius: 50%;
  top: -100px; right: -100px;
  filter: blur(60px);
}

.cta-card h2 {
  font-family: 'Playfair Display', serif;
  font-size: 2.5rem;
  color: var(--white);
  margin-bottom: 1rem;
  position: relative;
}

.cta-card p {
  color: rgba(255,255,255,0.7);
  font-size: 1.1rem;
  margin-bottom: 2.5rem;
  max-width: 500px;
  margin-left: auto;
  margin-right: auto;
  position: relative;
}

.cta-buttons {
  display: flex;
  justify-content: center;
  gap: 1rem;
  position: relative;
}

/* ============ FOOTER ============ */
footer {
  background: var(--navy);
  color: var(--white);
  padding: 5rem 6% 2rem;
  position: relative;
}

footer::before {
  content: '';
  position: absolute;
  top: 0; left: 0;
  width: 100%; height: 1px;
  background: linear-gradient(90deg, transparent, var(--gold), transparent);
}

.footer-content {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1fr;
  gap: 3rem;
  max-width: 1200px;
  margin: 0 auto 3rem;
}

.footer-col h4 {
  font-family: 'Playfair Display', serif;
  font-size: 1.15rem;
  color: var(--white);
  margin-bottom: 1.5rem;
  position: relative;
  padding-bottom: 0.75rem;
}

.footer-col h4::after {
  content: '';
  position: absolute;
  bottom: 0; left: 0;
  width: 30px; height: 2px;
  background: var(--gold);
}

.footer-col p {
  color: rgba(255,255,255,0.6);
  font-size: 0.9rem;
  margin-bottom: 1rem;
}

.footer-links li { margin-bottom: 0.6rem; }

.footer-links a {
  color: rgba(255,255,255,0.6);
  font-size: 0.9rem;
  transition: var(--transition);
  display: flex;
  align-items: center;
  gap: 0.4rem;
}

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

.contact-info li {
  display: flex;
  gap: 0.75rem;
  margin-bottom: 1rem;
  color: rgba(255,255,255,0.6);
  font-size: 0.9rem;
}

.contact-info i {
  color: var(--gold);
  margin-top: 3px;
  font-size: 0.85rem;
}

.footer-bottom {
  text-align: center;
  padding-top: 2rem;
  border-top: 1px solid rgba(255,255,255,0.08);
  color: rgba(255,255,255,0.4);
  font-size: 0.85rem;
}

.footer-credit {
  margin-top: 0.5rem;
  font-size: 0.8rem;
  color: rgba(255,255,255,0.35);
}

.footer-credit a {
  color: var(--gold);
  text-decoration: none;
  transition: var(--transition);
}

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

/* ============ ANIMATIONS ============ */
.fade-in-section {
  opacity: 0;
  transform: translateY(30px);
  transition: opacity 0.8s cubic-bezier(0.4, 0, 0.2, 1), transform 0.8s cubic-bezier(0.4, 0, 0.2, 1);
}

.fade-in-section.is-visible {
  opacity: 1;
  transform: none;
}

.stagger-1 { transition-delay: 0.1s; }
.stagger-2 { transition-delay: 0.2s; }
.stagger-3 { transition-delay: 0.3s; }
.stagger-4 { transition-delay: 0.4s; }

/* ============ GROUP FINANCE ============ */
.group-finance-layout {
  display: flex;
  align-items: center;
  gap: 4rem;
  max-width: 1200px;
  margin: 0 auto;
}

.group-finance-image {
  flex: 1;
  border-radius: 20px;
  overflow: hidden;
  box-shadow: var(--shadow-heavy);
}

.group-finance-image img {
  width: 100%;
  height: auto;
  transition: transform 0.6s ease;
}

.group-finance-image:hover img {
  transform: scale(1.05);
}

.group-finance-content { flex: 1; }

.schemes-container {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1.5rem;
  margin-top: 2rem;
}

.scheme-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  overflow: hidden;
  transition: var(--transition);
}

.scheme-card:hover {
  box-shadow: var(--shadow-medium);
}

.scheme-header {
  background: linear-gradient(135deg, var(--navy), var(--navy-mid));
  color: var(--white);
  padding: 1rem;
  text-align: center;
  font-weight: 600;
  font-size: 0.9rem;
}

.scheme-body { padding: 1.5rem; }

.scheme-row {
  display: flex;
  justify-content: space-between;
  margin-bottom: 0.75rem;
  padding-bottom: 0.75rem;
  border-bottom: 1px solid var(--border);
}

.scheme-row:last-child {
  border-bottom: none;
  margin-bottom: 0;
  padding-bottom: 0;
}

.scheme-label {
  color: var(--text-muted);
  font-size: 0.85rem;
}

.scheme-value {
  font-weight: 700;
  color: var(--navy);
}

/* ============ FORMS ============ */
.form-page {
  background: linear-gradient(135deg, #f0f4f8, #e8eef5, #f8fafc);
  min-height: 100vh;
}

.form-page-header {
  background: linear-gradient(135deg, var(--navy), var(--navy-mid));
  padding: 7rem 6% 3rem;
  text-align: center;
  color: var(--white);
  position: relative;
  overflow: hidden;
}

.form-page-header::before {
  content: '';
  position: absolute;
  top: -50%; right: -10%;
  width: 400px; height: 400px;
  background: var(--gold);
  border-radius: 50%;
  opacity: 0.06;
}

.form-page-header h1 {
  font-family: 'Playfair Display', serif;
  font-size: 2.75rem;
  position: relative;
  z-index: 1;
  margin-bottom: 0.5rem;
}

.form-page-header h1 span { color: var(--gold); }

.form-page-header p {
  font-size: 1.1rem;
  color: rgba(255,255,255,0.7);
  position: relative;
  z-index: 1;
}

.form-progress {
  display: flex;
  justify-content: center;
  padding: 2.5rem 5% 0;
  max-width: 900px;
  margin: -1.5rem auto 0;
  position: relative;
  z-index: 2;
}

.progress-step {
  display: flex;
  flex-direction: column;
  align-items: center;
  flex: 1;
  position: relative;
}

.progress-step::before {
  content: '';
  position: absolute;
  top: 22px;
  left: 50%;
  right: -50%;
  height: 3px;
  background: #e2e8f0;
}

.progress-step:last-child::before { display: none; }
.progress-step.active::before { background: linear-gradient(90deg, var(--gold), #e2e8f0); }
.progress-step.completed::before { background: var(--gold); }

.step-circle {
  width: 44px; height: 44px;
  border-radius: 50%;
  background: var(--white);
  border: 3px solid #e2e8f0;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  color: var(--text-muted);
  z-index: 1;
  transition: var(--transition);
  box-shadow: 0 2px 8px rgba(0,0,0,0.06);
}

.progress-step.active .step-circle {
  border-color: var(--gold);
  color: var(--gold);
  background: #fffbeb;
  box-shadow: 0 0 0 6px rgba(201,168,76,0.12);
}

.progress-step.completed .step-circle {
  background: var(--gold);
  border-color: var(--gold);
  color: var(--white);
}

.step-label {
  margin-top: 0.75rem;
  font-size: 0.75rem;
  font-weight: 600;
  color: var(--text-muted);
  text-transform: uppercase;
  letter-spacing: 0.5px;
}

.progress-step.active .step-label { color: var(--navy); }
.progress-step.completed .step-label { color: var(--gold-dark); }

.form-container {
  max-width: 920px;
  margin: 2rem auto 3rem;
  padding: 0 5%;
}

.form-section {
  background: var(--white);
  border-radius: var(--radius);
  box-shadow: var(--shadow-soft);
  margin-bottom: 1.5rem;
  overflow: hidden;
  border: 1px solid var(--border);
  transition: box-shadow 0.3s ease;
}

.form-section:hover { box-shadow: var(--shadow-medium); }

.form-section-header {
  display: flex;
  align-items: center;
  gap: 1rem;
  padding: 1.5rem 2rem;
  background: linear-gradient(135deg, #f7fafc, #edf2f7);
  border-bottom: 1px solid var(--border);
}

.form-section-icon {
  width: 48px; height: 48px;
  border-radius: 12px;
  background: linear-gradient(135deg, var(--navy), var(--navy-mid));
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gold);
  font-size: 1.2rem;
  flex-shrink: 0;
}

.form-section-header h3 {
  font-family: 'Playfair Display', serif;
  font-size: 1.25rem;
  color: var(--navy);
}

.form-section-header h3 small {
  display: block;
  font-family: 'DM Sans', sans-serif;
  font-size: 0.8rem;
  color: var(--text-muted);
  font-weight: 400;
  margin-top: 2px;
}

.form-section-body { padding: 2rem; }

.form-group { margin-bottom: 1.5rem; }

.form-label {
  display: flex;
  align-items: center;
  gap: 0.4rem;
  font-weight: 600;
  font-size: 0.8rem;
  margin-bottom: 0.5rem;
  color: var(--text);
  text-transform: uppercase;
  letter-spacing: 0.5px;
}

.required-dot {
  width: 6px; height: 6px;
  border-radius: 50%;
  background: #e53e3e;
  display: inline-block;
}

.form-control {
  width: 100%;
  padding: 0.85rem 1rem;
  border: 2px solid var(--border);
  border-radius: var(--radius-sm);
  font-family: 'DM Sans', sans-serif;
  font-size: 0.95rem;
  color: var(--text);
  background: var(--off-white);
  transition: var(--transition);
}

.form-control::placeholder { color: #a0aec0; }
.form-control:hover { border-color: #cbd5e1; background: var(--white); }

.form-control:focus {
  outline: none;
  border-color: var(--gold);
  background: var(--white);
  box-shadow: 0 0 0 4px rgba(201,168,76,0.1);
}

textarea.form-control { resize: vertical; min-height: 90px; }

select.form-control {
  appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 12 12'%3E%3Cpath fill='%23718096' d='M6 8L1 3h10z'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 1rem center;
  padding-right: 2.5rem;
  cursor: pointer;
}

.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1.25rem; }
.form-row-3 { display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 1.25rem; }

.radio-group, .checkbox-group { display: flex; gap: 0.75rem; flex-wrap: wrap; }

.radio-option, .checkbox-option { position: relative; }

.radio-option input, .checkbox-option input {
  position: absolute; opacity: 0; width: 0; height: 0;
}

.radio-option label, .checkbox-option label {
  display: flex; align-items: center; gap: 0.5rem;
  padding: 0.6rem 1.2rem;
  border: 2px solid var(--border);
  border-radius: var(--radius-sm);
  cursor: pointer;
  font-size: 0.9rem;
  font-weight: 500;
  background: var(--off-white);
  transition: var(--transition);
}

.radio-option input:checked + label,
.checkbox-option input:checked + label {
  border-color: var(--gold);
  background: #fffbeb;
  color: var(--navy);
}

.declaration-box {
  background: linear-gradient(135deg, #f7fafc, #edf2f7);
  border: 2px solid var(--border);
  border-radius: 12px;
  padding: 1.5rem;
}

.declaration-box label {
  display: flex; gap: 0.75rem;
  cursor: pointer;
  font-size: 0.9rem;
  line-height: 1.6;
}

.declaration-box input[type="checkbox"] {
  margin-top: 4px;
  width: 20px; height: 20px;
  accent-color: var(--gold);
  flex-shrink: 0;
  cursor: pointer;
}

.form-submit-btn {
  width: 100%;
  padding: 1.1rem 2rem;
  border: none;
  border-radius: 12px;
  font-family: 'DM Sans', sans-serif;
  font-size: 1.05rem;
  font-weight: 700;
  cursor: pointer;
  background: linear-gradient(135deg, var(--navy), var(--navy-mid));
  color: var(--white);
  transition: var(--transition);
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0.75rem;
  position: relative;
  overflow: hidden;
}

.form-submit-btn:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(10,22,40,0.3);
}

.form-footer-info {
  text-align: center;
  margin-top: 2rem;
  padding: 1.5rem;
  background: var(--off-white);
  border-radius: 12px;
}

.form-footer-info p { color: var(--text-muted); font-size: 0.85rem; margin-bottom: 0.5rem; }
.form-footer-info a { color: var(--gold-dark); font-weight: 600; }

.input-icon-wrapper { position: relative; }
.input-icon-wrapper .form-control { padding-left: 2.75rem; }
.input-icon-wrapper i {
  position: absolute; left: 1rem; top: 50%;
  transform: translateY(-50%);
  color: #a0aec0;
  transition: color 0.3s ease;
}
/* ============ GROUP FINANCE LANDING PAGE ============ */
.gf-landing-card {
  display: flex;
  align-items: center;
  gap: 3rem;
  background: var(--white);
  border-radius: 20px;
  overflow: hidden;
  box-shadow: var(--shadow-medium);
  border: 1px solid var(--border);
  margin-bottom: 3rem;
  transition: var(--transition);
  max-width: 1200px;
  margin-left: auto;
  margin-right: auto;
}

.gf-landing-card.reverse {
  flex-direction: row-reverse;
}

.gf-landing-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-heavy);
}

.gf-landing-image {
  flex: 1;
  position: relative;
  min-height: 350px;
  overflow: hidden;
}

.gf-landing-image img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  position: absolute;
  inset: 0;
  transition: transform 0.6s ease;
}

.gf-landing-card:hover .gf-landing-image img {
  transform: scale(1.08);
}

.gf-landing-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(to top, rgba(10,22,40,0.4) 0%, transparent 60%);
}

.gf-landing-badge {
  position: absolute;
  top: 1.5rem;
  left: 1.5rem;
  width: 50px;
  height: 50px;
  border-radius: 14px;
  background: rgba(255,255,255,0.9);
  backdrop-filter: blur(10px);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--navy);
  font-size: 1.3rem;
  box-shadow: var(--shadow-soft);
  z-index: 2;
}

.gf-landing-card.reverse .gf-landing-badge {
  left: auto;
  right: 1.5rem;
}

.gf-landing-content {
  flex: 1;
  padding: 3rem 3rem 3rem 0;
}

.gf-landing-card.reverse .gf-landing-content {
  padding: 3rem 0 3rem 3rem;
}

.gf-landing-content h3 {
  font-family: 'Playfair Display', serif;
  font-size: 2rem;
  color: var(--navy);
  margin-bottom: 1rem;
}

.gf-landing-content p {
  color: var(--text-muted);
  font-size: 1rem;
  line-height: 1.7;
  margin-bottom: 1.5rem;
}

.gf-benefits {
  list-style: none;
  margin-bottom: 2rem;
}

.gf-benefits li {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  font-size: 0.95rem;
  color: var(--text);
  margin-bottom: 0.6rem;
  font-weight: 500;
}

.gf-benefits li i {
  color: var(--gold-dark);
  font-size: 1.1rem;
}

/* Mobile Nav Toggle Button */
.mobile-nav-toggle {
  display: none;
  background: linear-gradient(135deg, var(--navy), var(--navy-mid));
  color: var(--gold);
  border: 1px solid rgba(201,168,76,0.3);
  width: 42px;
  height: 42px;
  border-radius: 10px;
  align-items: center;
  justify-content: center;
  font-size: 1.2rem;
  cursor: pointer;
  transition: var(--transition);
}

.mobile-nav-toggle:hover {
  background: var(--navy);
  color: var(--white);
}

/* ============ RESPONSIVE ============ */
@media (max-width: 1024px) {
  .services-grid { grid-template-columns: repeat(2, 1fr); }
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-content { grid-template-columns: 1fr 1fr; }
  .gf-cards-grid { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 768px) {
  .mobile-nav-toggle {
    display: flex;
  }

  .navbar {
    padding: 1rem 5%;
  }

  .navbar .logo-text span {
    font-size: 0.55rem;
    letter-spacing: 1px;
  }

  .navbar .btn-primary {
    display: none; /* Secondary CTA hidden in navbar header on mobile to fit menu toggle cleanly */
  }

  /* Mobile Navigation Drawer */
  .nav-links {
    display: flex;
    flex-direction: column;
    position: absolute;
    top: 100%;
    left: 0;
    width: 100%;
    background: rgba(10, 22, 40, 0.98);
    backdrop-filter: blur(20px);
    -webkit-backdrop-filter: blur(20px);
    border-bottom: 1px solid rgba(201,168,76,0.2);
    padding: 1.5rem 6%;
    gap: 0;
    opacity: 0;
    visibility: hidden;
    transform: translateY(-10px);
    transition: all 0.3s ease;
    box-shadow: 0 10px 30px rgba(0,0,0,0.3);
  }

  .nav-links.mobile-active {
    opacity: 1;
    visibility: visible;
    transform: translateY(0);
  }

  .nav-links > li {
    width: 100%;
    border-bottom: 1px solid rgba(255,255,255,0.06);
  }

  .nav-links > li:last-child {
    border-bottom: none;
  }

  .nav-links li a {
    display: block;
    padding: 1rem 0;
    font-size: 1.05rem;
    color: var(--white);
  }

  .nav-links li a:hover,
  .nav-links li a.active {
    color: var(--gold) !important;
  }

  .nav-links li a::after {
    display: none;
  }

  /* Mobile Dropdowns */
  .dropdown-menu {
    position: static !important;
    transform: none !important;
    top: auto !important;
    left: 0 !important;
    min-width: 100% !important;
    width: 100% !important;
    opacity: 1 !important;
    visibility: visible !important;
    background: rgba(255,255,255,0.06) !important;
    box-shadow: none !important;
    border: 1px solid rgba(255,255,255,0.1) !important;
    border-radius: 8px !important;
    padding: 0.5rem !important;
    margin-top: 0.5rem !important;
    margin-bottom: 0.75rem !important;
    display: none !important;
  }

  .dropdown:hover .dropdown-menu {
    display: none !important;
  }

  .dropdown.dropdown-open .dropdown-menu,
  .dropdown.dropdown-open:hover .dropdown-menu {
    display: block !important;
  }

  .dropdown-menu li a {
    color: rgba(255,255,255,0.8);
    padding: 0.6rem 1rem;
    font-size: 0.95rem;
  }

  .dropdown-menu li a:hover {
    background: rgba(201,168,76,0.15);
    color: var(--gold);
  }

  /* Hero Section Alignment */
  .hero {
    padding-top: 100px;
    min-height: auto;
    padding-bottom: 3rem;
  }

  .hero-inner {
    flex-direction: column;
    text-align: center;
    padding: 2rem 5%;
    gap: 2.5rem;
  }

  .hero-badge {
    margin: 0 auto 1.25rem;
  }

  .hero-text h1 {
    font-size: 2.5rem;
    line-height: 1.15;
  }

  .hero-text p {
    font-size: 1rem;
    margin-bottom: 2rem;
  }

  .hero-buttons {
    flex-direction: column;
    gap: 0.85rem;
    width: 100%;
  }

  .hero-buttons .btn-gold,
  .hero-buttons .btn-outline,
  .hero-buttons .btn-primary {
    width: 100%;
    justify-content: center;
  }

  .hero-image-area {
    max-width: 100%;
    width: 100%;
  }

  .hero-float-card {
    display: none;
  }

  /* Trust Bar Alignment */
  .trust-bar {
    padding: 1.5rem 5%;
  }

  .trust-bar-inner {
    gap: 1rem 1.5rem;
    justify-content: center;
  }

  .trust-item {
    font-size: 0.8rem;
  }

  /* Sections & Layouts */
  .section {
    padding: 4rem 5%;
  }

  .section-title {
    font-size: 2rem;
  }

  .section-subtitle {
    font-size: 0.95rem;
  }

  .services-grid {
    grid-template-columns: 1fr;
    gap: 1.5rem;
  }

  .stats-section {
    padding: 3.5rem 5%;
  }

  .stats-grid {
    grid-template-columns: 1fr 1fr;
    gap: 1.25rem;
  }

  .stat-item h3 {
    font-size: 2.25rem;
  }

  .why-grid {
    grid-template-columns: 1fr;
  }

  .why-card {
    padding: 1.5rem;
  }

  .gf-cards-grid {
    grid-template-columns: 1fr;
    gap: 1.5rem;
  }

  .group-finance-layout {
    flex-direction: column;
    gap: 2rem;
  }

  .schemes-container {
    grid-template-columns: 1fr;
  }

  .cta-section {
    padding: 3.5rem 5%;
  }

  .cta-card {
    padding: 2.5rem 1.5rem;
    border-radius: 18px;
  }

  .cta-card h2 {
    font-size: 1.75rem;
  }

  .cta-card p {
    font-size: 0.95rem;
  }

  .cta-buttons {
    flex-direction: column;
    gap: 0.85rem;
  }

  .cta-buttons .btn-gold,
  .cta-buttons .btn-outline {
    width: 100%;
    justify-content: center;
  }

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

  .form-row, .form-row-3 {
    grid-template-columns: 1fr;
    gap: 0;
  }

  .form-page-header {
    padding: 6rem 5% 2.5rem;
  }

  .form-page-header h1 {
    font-size: 2rem;
  }

  .form-section-body {
    padding: 1.25rem;
  }

  .gf-landing-card, .gf-landing-card.reverse {
    flex-direction: column;
    text-align: center;
  }

  .gf-landing-content, .gf-landing-card.reverse .gf-landing-content {
    padding: 2rem 1.5rem;
  }

  .gf-landing-image {
    min-height: 220px;
    width: 100%;
  }

  .gf-benefits li {
    justify-content: center;
  }
}

@media (max-width: 480px) {
  .navbar .logo-text span {
    display: none; /* Keep clean brand name on small phones */
  }

  .hero-text h1 {
    font-size: 2.1rem;
  }

  .stats-grid {
    grid-template-columns: 1fr; /* Single column stats on small phones */
  }

  .form-progress {
    overflow-x: auto;
    justify-content: flex-start;
    padding-bottom: 0.5rem;
  }

  .progress-step {
    min-width: 65px;
  }
}