:root {
  --primary: #0a1628;
  --secondary: #132244;
  --accent: #d4a843;
  --accent-dark: #b8912e;
  --accent-light: #e8c96a;
  --bg: #f0f4f8;
  --bg-card: #ffffff;
  --bg-card-light: #1a2a4a;
  --bg-secondary: #e8edf4;
  --text: #ffffff;
  --text-dark: #0a1628;
  --text-secondary: #64748b;
  --text-muted: #94a3b8;
  --border: #e2e8f0;
  --border-light: rgba(255,255,255,0.1);
  --success: #059669;
  --success-bg: rgba(5,150,105,0.12);
  --warning: #d97706;
  --error: #dc2626;
  --font: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
  --radius: 16px;
  --radius-sm: 8px;
  --radius-lg: 24px;
  --shadow: 0 1px 3px rgba(0,0,0,0.06);
  --shadow-md: 0 4px 20px rgba(0,0,0,0.08);
  --shadow-lg: 0 10px 40px rgba(0,0,0,0.12);
  --shadow-xl: 0 20px 60px rgba(0,0,0,0.18);
  --transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
}
[data-theme="dark"] {
  --primary: #f1f5f9;
  --secondary: #0f172a;
  --bg: #0a0f1a;
  --bg-card: #111927;
  --bg-card-light: #1a2a4a;
  --bg-secondary: #0f172a;
  --text: #f1f5f9;
  --text-dark: #f1f5f9;
  --text-secondary: #94a3b8;
  --text-muted: #64748b;
  --border: rgba(255,255,255,0.08);
  --border-light: rgba(255,255,255,0.12);
  --shadow: 0 1px 3px rgba(0,0,0,0.3);
  --shadow-md: 0 4px 20px rgba(0,0,0,0.4);
  --shadow-lg: 0 10px 40px rgba(0,0,0,0.5);
  --shadow-xl: 0 20px 60px rgba(0,0,0,0.6);
}
*, *::before, *::after { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  font-family: var(--font);
  background: var(--bg);
  color: var(--text-dark);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  transition: background 0.3s ease, color 0.3s ease;
}
a { color: inherit; text-decoration: none; }
img { max-width: 100%; height: auto; }
ul { list-style: none; }
.container { max-width: 1200px; margin: 0 auto; padding: 0 24px; }
.skip-link {
  position: absolute; top: -100px; left: 0; z-index: 9999;
  padding: 8px 16px; background: var(--accent); color: var(--primary);
  font-weight: 600; border-radius: 0 0 8px 0; transition: top 0.2s;
}
.skip-link:focus { top: 0; }
::selection { background: var(--accent); color: var(--primary); }
.text-gradient {
  background: linear-gradient(135deg, var(--accent) 0%, var(--accent-light) 100%);
  -webkit-background-clip: text; -webkit-text-fill-color: transparent;
  background-clip: text;
}
.section-header { text-align: center; max-width: 640px; margin: 0 auto 56px; }
.section-badge {
  display: inline-block; padding: 6px 16px; border-radius: 50px;
  font-size: 0.75rem; font-weight: 700; text-transform: uppercase; letter-spacing: 1.5px;
  background: rgba(212,168,67,0.12); color: var(--accent-dark); margin-bottom: 16px;
}
.section-header h2 { font-size: 2.4rem; font-weight: 800; color: var(--primary); line-height: 1.2; margin-bottom: 16px; }
.section-header p { font-size: 1.05rem; color: var(--text-secondary); line-height: 1.7; }

.btn {
  display: inline-flex; align-items: center; gap: 8px; padding: 10px 22px;
  font-family: var(--font); font-size: 0.88rem; font-weight: 600; border-radius: var(--radius-sm);
  border: none; cursor: pointer; transition: var(--transition); white-space: nowrap;
}
.btn-primary {
  background: linear-gradient(135deg, var(--accent) 0%, var(--accent-light) 100%);
  color: var(--primary); box-shadow: 0 4px 15px rgba(212,168,67,0.3);
}
.btn-primary:hover { transform: translateY(-2px); box-shadow: 0 8px 25px rgba(212,168,67,0.4); }
.btn-outline {
  background: transparent; color: var(--accent-dark); border: 2px solid var(--accent);
}
.btn-outline:hover { background: rgba(212,168,67,0.1); }
.btn-lg { padding: 14px 32px; font-size: 1rem; }
.btn-sm { padding: 7px 16px; font-size: 0.8rem; }
.btn-block { width: 100%; justify-content: center; }
.btn-ghost { background: transparent; color: var(--text-secondary); border: 1px solid var(--border); }
.btn-ghost:hover { background: rgba(255,255,255,0.05); }
.btn-danger { background: var(--error); color: white; }
.btn-success { background: var(--success); color: white; }

.navbar {
  position: fixed; top: 0; left: 0; right: 0; z-index: 1000;
  background: rgba(10,22,40,0.95); backdrop-filter: blur(20px);
  border-bottom: 1px solid rgba(255,255,255,0.06);
  transition: var(--transition);
}
[data-theme="dark"] .navbar { background: rgba(10,15,26,0.95); }
.navbar.scrolled { box-shadow: 0 4px 30px rgba(0,0,0,0.3); }
.nav-top { display: flex; align-items: center; justify-content: space-between; padding: 12px 0; }
.nav-brand { flex-shrink: 0; }
.nav-actions { display: flex; align-items: center; gap: 10px; }
.nav-bottom { max-height: 0; overflow: hidden; transition: max-height 0.4s ease; }
.nav-bottom.open { max-height: 500px; }
.nav-links { display: flex; align-items: center; gap: 4px; padding: 8px 0; }
.nav-links > li > a {
  display: block; padding: 8px 16px; color: var(--text-muted); font-size: 0.85rem;
  font-weight: 500; border-radius: 6px; transition: var(--transition);
}
.nav-links > li > a:hover { color: var(--accent); background: rgba(212,168,67,0.08); }
.nav-mobile-actions { display: none; padding: 16px 0; gap: 10px; flex-direction: column; }

.hamburger {
  display: none; background: none; border: none; cursor: pointer;
  flex-direction: column; gap: 5px; padding: 4px;
}
.hamburger span {
  display: block; width: 22px; height: 2px; background: var(--text);
  border-radius: 2px; transition: var(--transition);
}
.hamburger.active span:nth-child(1) { transform: rotate(45deg) translate(5px,5px); }
.hamburger.active span:nth-child(2) { opacity: 0; }
.hamburger.active span:nth-child(3) { transform: rotate(-45deg) translate(5px,-5px); }

.theme-toggle {
  width: 38px; height: 38px; border-radius: 50%; border: 1px solid var(--border-light);
  background: rgba(255,255,255,0.06); cursor: pointer; display: flex;
  align-items: center; justify-content: center; color: var(--accent); font-size: 0.95rem;
  transition: var(--transition);
}
.theme-toggle:hover { background: rgba(212,168,67,0.15); border-color: var(--accent); }

.dropdown { position: relative; }
.dropdown-menu {
  position: absolute; top: 100%; left: 0; min-width: 640px;
  background: rgba(15,23,42,0.98); backdrop-filter: blur(20px);
  border: 1px solid rgba(255,255,255,0.08); border-radius: var(--radius);
  padding: 24px; opacity: 0; visibility: hidden; transform: translateY(8px);
  transition: all 0.25s ease; z-index: 100;
}
[data-theme="dark"] .dropdown-menu { background: rgba(10,15,26,0.98); }
.dropdown:hover .dropdown-menu, .dropdown-menu:hover { opacity: 1; visibility: visible; transform: translateY(0); }
.dropdown-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.dropdown-col h4 { font-size: 0.7rem; text-transform: uppercase; letter-spacing: 1.5px; color: var(--accent); margin-bottom: 12px; }
.dropdown-col a {
  display: block; padding: 6px 0; color: var(--text-muted); font-size: 0.82rem;
  transition: var(--transition); line-height: 1.6;
}
.dropdown-col a:hover { color: var(--accent); padding-left: 4px; }
.dropdown-col.highlight a { color: var(--accent); }
.dropdown-col.highlight a:hover { color: var(--accent-light); }

.hero {
  position: relative; min-height: 100vh; display: flex; align-items: center;
  background: linear-gradient(135deg, #0a1628 0%, #132244 30%, #0d1b33 60%, #0a1628 100%);
  overflow: hidden; padding: 60px 0 80px;
}
[data-theme="dark"] .hero { background: linear-gradient(135deg, #070c14 0%, #0f172a 30%, #0a0f1a 60%, #070c14 100%); }
.hero-bg { position: absolute; inset: 0; overflow: hidden; }
.hero-particles { position: absolute; inset: 0; }
.hero-content { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; position: relative; z-index: 1; }
.hero-badge {
  display: inline-block; padding: 6px 16px; border-radius: 50px; font-size: 0.8rem;
  font-weight: 600; background: rgba(212,168,67,0.12); color: var(--accent); margin-bottom: 20px;
  border: 1px solid rgba(212,168,67,0.2);
}
.hero-text h1 { font-size: 3.8rem; font-weight: 800; color: var(--text); line-height: 1.1; margin-bottom: 20px; }
.hero-text > p { font-size: 1.1rem; color: var(--text-muted); line-height: 1.7; max-width: 540px; margin-bottom: 24px; }
.hero-trust { display: flex; flex-wrap: wrap; gap: 20px; margin-bottom: 28px; }
.hero-trust span { font-size: 0.82rem; color: var(--text-muted); display: flex; align-items: center; gap: 6px; }
.hero-trust span i { color: var(--accent); }
.hero-cta { display: flex; gap: 14px; margin-bottom: 40px; }
.hero-stats { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; padding-top: 32px; border-top: 1px solid rgba(255,255,255,0.06); }
.stat-item { display: flex; flex-direction: column; }
.stat-number { font-size: 2rem; font-weight: 800; color: var(--accent); }
.stat-suffix { font-size: 1.2rem; font-weight: 700; color: var(--accent); margin-left: 2px; }
.stat-label { font-size: 0.75rem; color: var(--text-muted); margin-top: 4px; }
.hero-visual { position: relative; display: flex; align-items: center; justify-content: center; }
.hero-card {
  background: linear-gradient(135deg, #1a2a4a 0%, #0f1d35 100%);
  border: 1px solid rgba(255,255,255,0.1); border-radius: var(--radius-lg);
  padding: 36px; width: 100%; max-width: 380px; position: relative;
  backdrop-filter: blur(10px);
}
.card-preview { margin-bottom: 20px; }
.card-chip { font-size: 1.2rem; color: var(--accent); margin-bottom: 20px; }
.card-brand { font-size: 0.7rem; letter-spacing: 3px; color: var(--text-muted); margin-bottom: 16px; }
.card-number { font-size: 1.2rem; letter-spacing: 3px; color: var(--text); font-family: monospace; margin-bottom: 16px; }
.card-holder { font-size: 0.65rem; letter-spacing: 1px; color: var(--text-muted); margin-bottom: 4px; }
.card-expiry { font-size: 0.65rem; color: var(--text-muted); }
.card-features { display: flex; flex-direction: column; gap: 6px; }
.card-features span { font-size: 0.78rem; color: var(--text-muted); display: flex; align-items: center; gap: 8px; }
.card-features span i { color: var(--success); }
.hero-shapes { position: absolute; inset: 0; pointer-events: none; overflow: hidden; }
.shape {
  position: absolute; border-radius: 50%;
  background: radial-gradient(circle, rgba(212,168,67,0.08) 0%, transparent 70%);
  animation: float 8s ease-in-out infinite;
}
.shape-1 { width: 300px; height: 300px; top: -100px; right: -80px; animation-delay: 0s; }
.shape-2 { width: 200px; height: 200px; bottom: -60px; left: -60px; animation-delay: -3s; }
.shape-3 { width: 150px; height: 150px; top: 40%; right: 30%; animation-delay: -6s; }

@keyframes float {
  0%, 100% { transform: translateY(0) scale(1); }
  50% { transform: translateY(-20px) scale(1.05); }
}

.services { padding: 100px 0; background: var(--bg); }
.services-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.service-card {
  background: var(--bg-card); border: 1px solid var(--border); border-radius: var(--radius);
  padding: 32px; transition: var(--transition); position: relative; overflow: hidden;
}
.service-card::before {
  content: ''; position: absolute; top: 0; left: 0; right: 0; height: 3px;
  background: linear-gradient(90deg, var(--accent), var(--accent-light));
  opacity: 0; transition: var(--transition);
}
.service-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.service-card:hover::before { opacity: 1; }
.service-icon {
  width: 52px; height: 52px; border-radius: 14px; background: rgba(212,168,67,0.1);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.3rem; color: var(--accent-dark); margin-bottom: 20px;
}
.service-card h3 { font-size: 1.15rem; font-weight: 700; color: var(--primary); margin-bottom: 10px; }
.service-card p { font-size: 0.88rem; color: var(--text-secondary); line-height: 1.7; margin-bottom: 20px; }
.service-link { font-size: 0.85rem; font-weight: 600; color: var(--accent-dark); display: inline-flex; align-items: center; gap: 6px; transition: var(--transition); }
.service-link:hover { gap: 10px; }

.mobile-banking { padding: 100px 0; background: var(--bg-secondary); }
.mobile-content { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; }
.mobile-text h2 { font-size: 2.4rem; font-weight: 800; color: var(--primary); line-height: 1.2; margin-bottom: 24px; }
.mobile-features { display: grid; gap: 14px; margin-bottom: 28px; }
.mobile-features li { display: flex; align-items: center; gap: 12px; font-size: 0.95rem; color: var(--text-secondary); }
.mobile-features li i { color: var(--success); }
.app-badges { display: flex; gap: 12px; }
.badge {
  display: inline-flex; align-items: center; gap: 10px; background: var(--primary); color: var(--text);
  padding: 10px 20px; border-radius: 12px; font-size: 0.85rem; font-weight: 600; transition: var(--transition);
}
.badge:hover { background: var(--secondary); transform: translateY(-2px); }
.badge i { font-size: 1.4rem; }
.badge small { display: block; font-size: 0.6rem; font-weight: 400; opacity: 0.7; }
.phone-mockup {
  width: 280px; margin: 0 auto; background: #0a1628; border-radius: 36px;
  padding: 12px; border: 2px solid rgba(255,255,255,0.1); box-shadow: 0 20px 60px rgba(0,0,0,0.3);
}
.phone-screen { background: #0f1d35; border-radius: 28px; overflow: hidden; padding: 16px; }
.phone-header { display: flex; justify-content: space-between; padding: 4px 0 16px; color: var(--text-muted); font-size: 0.75rem; }
.phone-header .phone-icons i { margin-left: 4px; }
.app-balance { text-align: center; margin-bottom: 16px; }
.app-balance span { font-size: 0.7rem; color: var(--text-muted); }
.app-balance h3 { font-size: 1.8rem; font-weight: 800; color: var(--accent); }
.app-actions { display: flex; justify-content: space-around; margin-bottom: 16px; }
.app-actions span { display: flex; flex-direction: column; align-items: center; gap: 4px; font-size: 0.65rem; color: var(--text-muted); cursor: pointer; }
.app-actions span i { font-size: 1rem; color: var(--accent); }
.app-transactions .txn-label { font-size: 0.65rem; color: var(--text-muted); margin-bottom: 8px; display: block; }
.txn-item { display: flex; align-items: center; gap: 10px; padding: 8px 0; border-bottom: 1px solid rgba(255,255,255,0.05); }
.txn-item:last-child { border: none; }
.txn-icon { width: 32px; height: 32px; border-radius: 50%; display: flex; align-items: center; justify-content: center; font-size: 0.7rem; background: rgba(255,255,255,0.06); color: var(--text-muted); }
.txn-item > div { flex: 1; }
.txn-item > div span { display: block; font-size: 0.75rem; color: var(--text); }
.txn-item > div small { font-size: 0.6rem; color: var(--text-muted); }
.txn-amount { font-size: 0.75rem; font-weight: 700; color: var(--error); }
.txn-amount.positive { color: var(--success); }

.story { padding: 100px 0; background: var(--bg); }
.story-content { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center; }
.story-text h2 { font-size: 2.4rem; font-weight: 800; color: var(--primary); line-height: 1.2; margin-bottom: 16px; }
.story-lead { font-size: 1.05rem; color: var(--text-secondary); line-height: 1.7; margin-bottom: 16px; }
.story-text > p { font-size: 0.92rem; color: var(--text-secondary); line-height: 1.8; margin-bottom: 24px; }
.story-values { display: grid; grid-template-columns: repeat(2, 1fr); gap: 12px; margin-bottom: 28px; }
.value-item { display: flex; align-items: center; gap: 10px; padding: 10px 16px; background: var(--bg-secondary); border-radius: var(--radius-sm); font-size: 0.85rem; font-weight: 500; color: var(--primary); }
.value-item i { color: var(--accent-dark); }
.story-stats-card {
  display: grid; grid-template-columns: 1fr 1fr; gap: 16px; background: var(--bg-card);
  border: 1px solid var(--border); border-radius: var(--radius); padding: 28px; margin-bottom: 24px;
}
.story-stat { text-align: center; }
.story-stat .stat-number { font-size: 1.8rem; }
.story-stat span:not(.stat-number) { font-size: 1rem; color: var(--accent); font-weight: 700; }
.story-stat p { font-size: 0.78rem; color: var(--text-secondary); margin-top: 4px; }
.story-quote {
  background: linear-gradient(135deg, rgba(212,168,67,0.06), rgba(212,168,67,0.02));
  border: 1px solid rgba(212,168,67,0.15); border-radius: var(--radius); padding: 28px;
}
.story-quote i { font-size: 1.5rem; color: var(--accent); margin-bottom: 12px; }
.story-quote p { font-size: 1rem; font-style: italic; color: var(--text-secondary); line-height: 1.6; }
.story-quote span { font-size: 0.82rem; color: var(--accent-dark); font-weight: 600; margin-top: 12px; display: block; }

.rates { padding: 100px 0; background: var(--bg-secondary); }
.rates-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.rate-card {
  background: var(--bg-card); border: 1px solid var(--border); border-radius: var(--radius);
  padding: 32px; text-align: center; transition: var(--transition); position: relative;
}
.rate-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.rate-card.featured { border-color: var(--accent); box-shadow: 0 0 0 1px var(--accent); }
.rate-popular {
  position: absolute; top: -12px; left: 50%; transform: translateX(-50%);
  background: var(--accent); color: var(--primary); font-size: 0.65rem; font-weight: 700;
  padding: 4px 14px; border-radius: 50px; text-transform: uppercase; letter-spacing: 1px;
}
.rate-card h3 { font-size: 1rem; font-weight: 700; color: var(--primary); margin-bottom: 16px; }
.rate-apy { margin-bottom: 16px; }
.apy-value { font-size: 3rem; font-weight: 800; color: var(--accent); }
.apy-percent { font-size: 1.2rem; font-weight: 600; color: var(--accent-dark); margin-left: 2px; }
.rate-card p { font-size: 0.85rem; color: var(--text-secondary); line-height: 1.6; margin-bottom: 20px; }

.calculator-section { padding: 100px 0; background: var(--bg); }
.calculator-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; align-items: center; }
.calculator-box {
  background: var(--bg-card); border: 1px solid var(--border); border-radius: var(--radius);
  padding: 32px;
}
.calc-result { text-align: center; padding: 20px; background: var(--bg); border-radius: var(--radius-sm); margin-bottom: 24px; }
[data-theme="dark"] .calc-result { background: rgba(255,255,255,0.03); }
.calc-result .label { font-size: 0.8rem; color: var(--text-secondary); margin-bottom: 8px; }
.calc-result .amount { font-size: 2.4rem; font-weight: 800; color: var(--accent); }
.form-group { margin-bottom: 20px; }
.form-group label { display: block; font-size: 0.82rem; font-weight: 600; color: var(--primary); margin-bottom: 6px; }
[data-theme="dark"] .form-group label { color: var(--text); }
.form-select { width: 100%; padding: 10px 14px; border: 1.5px solid var(--border); border-radius: var(--radius-sm); font-size: 0.9rem; font-family: var(--font); background: var(--bg-primary); color: var(--text-dark); cursor: pointer; }
[data-theme="dark"] .form-select { background: rgba(255,255,255,0.06); color: var(--text); border-color: rgba(255,255,255,0.12); }
.form-select:focus { outline: none; border-color: var(--accent); }
.calc-slider {
  width: 100%; height: 6px; -webkit-appearance: none; appearance: none;
  background: var(--border); border-radius: 3px; outline: none; margin-top: 8px;
}
.calc-slider::-webkit-slider-thumb {
  -webkit-appearance: none; width: 20px; height: 20px; border-radius: 50%;
  background: var(--accent); cursor: pointer; box-shadow: 0 2px 8px rgba(212,168,67,0.4);
}

.testimonials { padding: 100px 0; background: var(--bg-secondary); }
.testimonial-carousel {
  display: flex; overflow: hidden; margin-bottom: 32px; position: relative;
}
.testimonial-card {
  min-width: 100%; background: var(--bg-card); border: 1px solid var(--border);
  border-radius: var(--radius); padding: 36px; transition: var(--transition);
}
.stars { margin-bottom: 16px; }
.stars i { color: var(--accent); font-size: 1rem; margin-right: 2px; }
.testimonial-card blockquote { font-size: 1rem; color: var(--text-secondary); line-height: 1.7; margin-bottom: 20px; font-style: italic; }
.author { display: flex; align-items: center; gap: 12px; }
.author img { width: 44px; height: 44px; border-radius: 50%; }
.author strong { display: block; font-size: 0.88rem; color: var(--primary); }
.author small { font-size: 0.75rem; color: var(--text-secondary); }
.testimonial-dots { display: flex; justify-content: center; gap: 10px; }
.testimonial-dot {
  width: 10px; height: 10px; border-radius: 50%; background: var(--border);
  border: none; cursor: pointer; transition: var(--transition); padding: 0;
}
.testimonial-dot.active { background: var(--accent); width: 28px; border-radius: 5px; }

.badge-coming-soon {
  display: inline-flex; align-items: center; gap: 4px;
  background: var(--bg-secondary) !important; color: var(--text-secondary) !important;
  cursor: default !important; pointer-events: none !important;
}
.coming-soon-tag {
  display: inline-block; font-size: 0.55rem; font-weight: 700; text-transform: uppercase;
  letter-spacing: 0.5px; color: var(--accent); background: rgba(42,107,158,0.1);
  padding: 2px 6px; border-radius: 3px; margin-left: 4px; vertical-align: middle;
}
.badge-coming-soon { display: inline-flex; align-items: center; gap: 4px; }

.blog { padding: 100px 0; background: var(--bg); }
.blog-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.blog-card {
  background: var(--bg-card); border: 1px solid var(--border); border-radius: var(--radius);
  overflow: hidden; transition: var(--transition);
}
.blog-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.blog-image { height: 200px; overflow: hidden; }
.blog-image img { width: 100%; height: 100%; object-fit: cover; }
.blog-body { padding: 24px; }
.blog-date { font-size: 0.7rem; color: var(--accent-dark); font-weight: 600; text-transform: uppercase; letter-spacing: 1px; }
.blog-body h3 { font-size: 1.05rem; font-weight: 700; color: var(--primary); margin: 8px 0; line-height: 1.4; }
.blog-body p { font-size: 0.85rem; color: var(--text-secondary); line-height: 1.6; margin-bottom: 16px; }
.blog-body a { font-size: 0.85rem; font-weight: 600; color: var(--accent-dark); display: inline-flex; align-items: center; gap: 6px; transition: var(--transition); }
.blog-body a:hover { gap: 10px; }
.blog-cta { text-align: center; margin-top: 40px; }

.cta-section { padding: 80px 0; background: linear-gradient(135deg, #0a1628 0%, #132244 100%); }
[data-theme="dark"] .cta-section { background: linear-gradient(135deg, #070c14 0%, #0f172a 100%); }
.cta-content { text-align: center; }
.cta-text h2 { font-size: 2.4rem; font-weight: 800; color: var(--text); margin-bottom: 12px; }
.cta-text p { font-size: 1.05rem; color: var(--text-muted); margin-bottom: 32px; }
.cta-actions { display: flex; gap: 16px; justify-content: center; margin-bottom: 32px; }
.cta-badges { display: flex; justify-content: center; gap: 24px; }
.cta-badges span { font-size: 0.82rem; color: var(--text-muted); display: flex; align-items: center; gap: 6px; }
.cta-badges span i { color: var(--accent); }

.footer { background: #070c14; padding: 60px 0 0; color: var(--text-muted); }
[data-theme="dark"] .footer { background: #05080f; }
.footer-top { display: grid; grid-template-columns: 1.5fr 3fr; gap: 60px; padding-bottom: 40px; border-bottom: 1px solid rgba(255,255,255,0.06); }
.footer-brand p { font-size: 0.85rem; line-height: 1.7; margin: 16px 0; }
.footer-newsletter { margin: 20px 0; }
.footer-newsletter p { font-size: 0.8rem; margin-bottom: 10px; }
.newsletter-form { display: flex; gap: 8px; }
.newsletter-form input {
  flex: 1; padding: 10px 14px; border: 1px solid rgba(255,255,255,0.1);
  border-radius: var(--radius-sm); background: rgba(255,255,255,0.05);
  color: var(--text); font-size: 0.85rem; font-family: var(--font);
}
.newsletter-form input::placeholder { color: var(--text-muted); }
.newsletter-form input:focus { outline: none; border-color: var(--accent); }
.footer-social { display: flex; gap: 12px; margin-top: 20px; }
.footer-social a {
  width: 40px; height: 40px; border-radius: 50%; background: rgba(255,255,255,0.05);
  display: flex; align-items: center; justify-content: center; transition: var(--transition);
  border: 1px solid rgba(255,255,255,0.06);
}
.footer-social a:hover { background: var(--accent); color: var(--primary); border-color: var(--accent); }
.footer-links { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
.footer-col h4 { font-size: 0.78rem; text-transform: uppercase; letter-spacing: 1.5px; color: var(--accent); margin-bottom: 16px; }
.footer-col a { display: block; padding: 5px 0; font-size: 0.82rem; color: var(--text-muted); transition: var(--transition); }
.footer-col a:hover { color: var(--accent); }
.footer-routing { margin-top: 12px; }
.footer-routing small { display: block; font-size: 0.7rem; color: var(--text-muted); }
.footer-routing strong { font-size: 0.85rem; color: var(--accent); }
.footer-bottom { padding: 24px 0; display: flex; justify-content: space-between; align-items: center; }
.footer-legal { display: flex; gap: 20px; }
.footer-legal a { font-size: 0.78rem; color: var(--text-muted); transition: var(--transition); }
.footer-legal a:hover { color: var(--accent); }
.footer-bottom p { font-size: 0.78rem; }

.cookie-consent {
  position: fixed; bottom: 24px; left: 50%; transform: translateX(-50%);
  background: var(--bg-card); border: 1px solid var(--border); border-radius: var(--radius);
  padding: 20px 28px; max-width: 640px; width: 90%; z-index: 9998;
  display: flex; align-items: center; gap: 20px; box-shadow: var(--shadow-lg);
}
.cookie-consent p { font-size: 0.82rem; color: var(--text-secondary); flex: 1; }
.cookie-consent p a { color: var(--accent-dark); text-decoration: underline; }
.cookie-actions { display: flex; gap: 8px; flex-shrink: 0; }
.cookie-consent.hidden { display: none; }

.live-chat { position: fixed; bottom: 24px; right: 24px; z-index: 9997; }
.live-chat-toggle {
  width: 56px; height: 56px; border-radius: 50%; background: var(--accent); border: none;
  color: var(--primary); font-size: 1.3rem; cursor: pointer; box-shadow: 0 4px 20px rgba(212,168,67,0.4);
  transition: var(--transition); display: flex; align-items: center; justify-content: center;
  position: relative;
}
.live-chat-toggle:hover { transform: scale(1.1); }
.live-chat-toggle .badge {
  position: absolute; top: -4px; right: -4px; width: 20px; height: 20px;
  border-radius: 50%; background: var(--error); color: white; font-size: 0.65rem;
  display: flex; align-items: center; justify-content: center;
}
.live-chat-window {
  position: absolute; bottom: 68px; right: 0; width: 340px; height: 460px;
  background: var(--bg-card); border: 1px solid var(--border); border-radius: var(--radius);
  box-shadow: var(--shadow-xl); display: none; flex-direction: column; overflow: hidden;
}
.live-chat-window.open { display: flex; }
.live-chat-header {
  background: var(--primary); color: var(--text); padding: 16px 20px;
  display: flex; justify-content: space-between; align-items: center;
}
[data-theme="dark"] .live-chat-header { background: #0f172a; }
.live-chat-header h4 { font-size: 0.9rem; display: flex; align-items: center; gap: 8px; }
.live-chat-header button { background: none; border: none; color: var(--text-muted); cursor: pointer; font-size: 1rem; }
.live-chat-messages { flex: 1; padding: 16px; overflow-y: auto; display: flex; flex-direction: column; gap: 10px; }
.chat-msg { max-width: 85%; padding: 10px 14px; border-radius: 12px; font-size: 0.82rem; line-height: 1.5; }
.chat-msg.bot {
  align-self: flex-start; background: var(--bg); color: var(--text-dark);
  border-bottom-left-radius: 4px;
}
[data-theme="dark"] .chat-msg.bot { background: rgba(255,255,255,0.06); color: var(--text); }
.chat-msg.user {
  align-self: flex-end; background: var(--accent); color: var(--primary);
  border-bottom-right-radius: 4px;
}
.live-chat-input { display: flex; padding: 12px; border-top: 1px solid var(--border); gap: 8px; }
.live-chat-input input {
  flex: 1; padding: 10px 14px; border: 1px solid var(--border); border-radius: var(--radius-sm);
  font-size: 0.85rem; font-family: var(--font); background: var(--bg); color: var(--text-dark);
}
[data-theme="dark"] .live-chat-input input { background: rgba(255,255,255,0.06); color: var(--text); border-color: rgba(255,255,255,0.12); }
.live-chat-input input:focus { outline: none; border-color: var(--accent); }
.live-chat-input button {
  width: 40px; height: 40px; border-radius: 50%; background: var(--accent); border: none;
  color: var(--primary); cursor: pointer; transition: var(--transition);
  display: flex; align-items: center; justify-content: center;
}
.live-chat-input button:hover { transform: scale(1.05); }

.modal-overlay {
  position: fixed; inset: 0; background: rgba(0,0,0,0.6); z-index: 9999;
  display: none; align-items: center; justify-content: center;
  backdrop-filter: blur(4px); padding: 24px;
}
.modal-overlay.active { display: flex; }
.modal {
  background: var(--bg-card); border-radius: var(--radius-lg); padding: 40px;
  width: 100%; max-width: 460px; position: relative; box-shadow: var(--shadow-xl);
  max-height: 90vh; overflow-y: auto;
}
[data-theme="dark"] .modal { background: #111927; }
.modal-close {
  position: absolute; top: 16px; right: 16px; background: none; border: none;
  font-size: 1.1rem; color: var(--text-secondary); cursor: pointer; padding: 8px;
  transition: var(--transition);
}
.modal-close:hover { color: var(--error); transform: rotate(90deg); }
.modal-header { text-align: center; margin-bottom: 28px; }
.modal-header .logo { margin-bottom: 20px; }
.modal-header h2 { font-size: 1.5rem; color: var(--primary); margin-bottom: 8px; }
.modal-header p { font-size: 0.9rem; color: var(--text-secondary); }
.modal .form-group { position: relative; }
.modal .input-icon { position: absolute; top: 38px; left: 14px; color: var(--text-muted); }
.modal input[type="text"], .modal input[type="email"], .modal input[type="password"] {
  width: 100%; padding: 11px 14px 11px 40px; border: 1.5px solid var(--border);
  border-radius: var(--radius-sm); font-size: 0.9rem; font-family: var(--font);
  transition: var(--transition); background: var(--bg-primary); color: var(--text-dark);
}
[data-theme="dark"] .modal input[type="text"], [data-theme="dark"] .modal input[type="email"], [data-theme="dark"] .modal input[type="password"] { background: rgba(255,255,255,0.06); color: var(--text); border-color: rgba(255,255,255,0.12); }
.modal input:focus { outline: none; border-color: var(--accent); box-shadow: 0 0 0 3px rgba(212,168,67,0.1); }
.password-toggle {
  position: absolute; top: 36px; right: 14px; background: none; border: none;
  color: var(--text-muted); cursor: pointer; font-size: 0.9rem;
}
.form-options { display: flex; justify-content: space-between; align-items: center; margin-bottom: 20px; font-size: 0.82rem; }
.form-options label { display: flex; align-items: center; gap: 6px; color: var(--text-secondary); cursor: pointer; }
.form-options a { color: var(--accent-dark); }
.form-footer { text-align: center; margin-top: 20px; font-size: 0.85rem; color: var(--text-secondary); }
.form-footer a { color: var(--accent-dark); font-weight: 600; }

.toast-container { position: fixed; bottom: 24px; right: 24px; z-index: 99999; display: flex; flex-direction: column; gap: 8px; }
.toast {
  padding: 14px 24px; border-radius: var(--radius-sm); color: white;
  font-size: 0.85rem; font-weight: 500; display: flex; align-items: center; gap: 10px;
  box-shadow: 0 10px 30px rgba(0,0,0,0.15); animation: slideIn 0.3s ease;
  max-width: 400px;
}
.toast.success { background: var(--success); }
.toast.error { background: var(--error); }
.toast.warning { background: var(--warning); }
.toast.info { background: #2563eb; }

@keyframes slideIn { from { opacity: 0; transform: translateX(100px); } to { opacity: 1; transform: translateX(0); } }
@keyframes fadeIn { from { opacity: 0; transform: translateY(10px); } to { opacity: 1; transform: translateY(0); } }
@keyframes countUp { from { opacity: 0; transform: translateY(10px); } to { opacity: 1; transform: translateY(0); } }

@media (max-width: 1024px) {
  .hero-content { grid-template-columns: 1fr; gap: 40px; }
  .hero-visual { order: -1; }
  .hero-text h1 { font-size: 2.8rem; }
  .services-grid { grid-template-columns: repeat(2, 1fr); }
  .rates-grid { grid-template-columns: repeat(2, 1fr); }
  .blog-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-top { grid-template-columns: 1fr; gap: 40px; }
  .footer-links { grid-template-columns: repeat(2, 1fr); }
  .mobile-content { grid-template-columns: 1fr; gap: 40px; }
  .story-content { grid-template-columns: 1fr; gap: 40px; }
  .calculator-grid { grid-template-columns: 1fr; gap: 32px; }
  .dropdown-menu { min-width: 280px; }
  .dropdown-grid { grid-template-columns: 1fr; }
}
@media (max-width: 768px) {
  .hamburger { display: flex; }
  .nav-links { flex-direction: column; align-items: stretch; }
  .nav-links > li > a { padding: 12px 16px; }
  .dropdown-menu { position: static; opacity: 1; visibility: visible; transform: none; min-width: auto; background: transparent; padding: 0 16px; border: none; display: none; }
  .dropdown.open .dropdown-menu { display: block; }
  .dropdown-grid { grid-template-columns: 1fr; gap: 16px; }
  .dropdown-col { padding: 8px 0; }
  .nav-mobile-actions { display: flex; }
  .nav-actions .btn-outline, .nav-actions .btn-primary { display: none; }
  .hero-text h1 { font-size: 2.2rem; }
  .hero-stats { grid-template-columns: repeat(3, 1fr); gap: 12px; }
  .hero-cta { flex-direction: column; }
  .services-grid { grid-template-columns: 1fr; }
  .rates-grid { grid-template-columns: 1fr; }
  .blog-grid { grid-template-columns: 1fr; }
  .section-header h2 { font-size: 1.8rem; }
  .cta-actions { flex-direction: column; }
  .cta-badges { flex-direction: column; align-items: center; gap: 12px; }
  .footer-links { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; gap: 12px; text-align: center; }
  .footer-legal { flex-wrap: wrap; justify-content: center; }
  .cookie-consent { flex-direction: column; text-align: center; }
  .app-badges { flex-direction: column; }
  .story-values { grid-template-columns: 1fr; }
  .live-chat-window { width: 300px; right: 0; }
}
@media (max-width: 480px) {
  .hero-text h1 { font-size: 1.8rem; }
  .stat-number { font-size: 1.5rem; }
  .hero-stats { gap: 8px; }
  .hero-trust { gap: 12px; }
  .hero-trust span { font-size: 0.75rem; }
}

.market-ticker {
  background: var(--secondary);
  border-bottom: 1px solid var(--border-light);
  overflow: hidden;
  padding: 8px 0;
  position: relative;
  z-index: 5;
  margin-top: 80px;
}
.market-ticker::before {
  content: '';
  position: absolute;
  left: 0;
  top: 0;
  bottom: 0;
  width: 60px;
  background: linear-gradient(90deg, var(--secondary), transparent);
  z-index: 2;
  pointer-events: none;
}
.market-ticker::after {
  content: '';
  position: absolute;
  right: 0;
  top: 0;
  bottom: 0;
  width: 60px;
  background: linear-gradient(270deg, var(--secondary), transparent);
  z-index: 2;
  pointer-events: none;
}
.ticker-track {
  display: flex;
  gap: 40px;
  white-space: nowrap;
  animation: ticker-scroll 40s linear infinite;
  width: max-content;
}
.ticker-track:hover { animation-play-state: paused; }
@keyframes ticker-scroll {
  0% { transform: translateX(0); }
  100% { transform: translateX(-50%); }
}
.ticker-item {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 0.8rem;
  font-weight: 500;
  color: var(--text-muted);
}
.ticker-item .val { font-weight: 700; color: var(--text); }
.ticker-item.up .val { color: #22c55e; }
.ticker-item.down .val { color: #ef4444; }
.ticker-item i { font-size: 0.7rem; }
.ticker-item.up i { color: #22c55e; }
.ticker-item.down i { color: #ef4444; }

@media (max-width: 768px) {
  .market-ticker { padding: 6px 0; }
  .ticker-track { gap: 24px; animation-duration: 30s; }
  .ticker-item { font-size: 0.7rem; }
  .market-ticker::before,
  .market-ticker::after { width: 30px; }
}

.empty-state { text-align: center; padding: 40px 20px; }
.empty-state i { font-size: 2.5rem; color: var(--text-muted); margin-bottom: 16px; opacity: 0.5; }
.empty-state h3 { font-size: 1.1rem; color: var(--primary); margin-bottom: 8px; }
.empty-state p { font-size: 0.85rem; color: var(--text-secondary); }