/* ==========================================================================
   DESIGN SYSTEM & VARIABLES
   ========================================================================== */

:root {
    /* Color Palette */
    --color-navy-dark: #0A192F;
    --color-navy-medium: #112240;
    --color-navy-light: #233554;
    
    --color-green-dark: #0D261B;
    --color-green-medium: #123C27;
    --color-green-light: #1A5438;
    --color-green-soft: #F0F5F2;
    
    --color-gold-primary: #C5A880;
    --color-gold-dark: #9F825D;
    --color-gold-light: #E5D3B8;
    
    --color-text-dark: #1E293B;
    --color-text-muted: #64748B;
    --color-text-light: #F8FAFC;
    --color-text-white: #FFFFFF;
    
    --color-bg-white: #FFFFFF;
    --color-bg-offset: #F8FAFC;
    --color-bg-green-offset: #F3F7F5;
    
    /* Fonts */
    --font-heading: 'Playfair Display', Georgia, serif;
    --font-body: 'Inter', system-ui, -apple-system, sans-serif;
    
    /* Layout */
    --max-width: 1200px;
    --header-height: 80px;
    --border-radius: 8px;
    --border-radius-lg: 16px;
    
    /* Shadows & Transitions */
    --shadow-sm: 0 2px 8px rgba(0, 0, 0, 0.05);
    --shadow-md: 0 8px 30px rgba(10, 25, 47, 0.06);
    --shadow-lg: 0 16px 40px rgba(10, 25, 47, 0.12);
    --transition-fast: 0.2s cubic-bezier(0.4, 0, 0.2, 1);
    --transition-normal: 0.3s cubic-bezier(0.4, 0, 0.2, 1);
}

/* ==========================================================================
   RESET & BASE STYLES
   ========================================================================== */

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

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

body {
    font-family: var(--font-body);
    background-color: var(--color-bg-white);
    color: var(--color-text-dark);
    line-height: 1.6;
    -webkit-font-smoothing: antialiased;
    overflow-x: hidden;
}

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

a {
    color: inherit;
    text-decoration: none;
    transition: color var(--transition-fast);
}

button, input, textarea, select {
    font-family: inherit;
    font-size: inherit;
    color: inherit;
}

button {
    cursor: pointer;
    border: none;
    background: none;
}

/* Common Layout Elements */
.container {
    width: 100%;
    max-width: var(--max-width);
    margin: 0 auto;
    padding: 0 24px;
}

section {
    padding: 100px 0;
}

.hidden {
    display: none !important;
}

/* ==========================================================================
   TYPOGRAPHY
   ========================================================================== */

h1, h2, h3, h4 {
    font-family: var(--font-heading);
    font-weight: 600;
    line-height: 1.25;
    color: var(--color-navy-dark);
}

h1 {
    font-size: 2.75rem;
    margin-bottom: 24px;
}

h2 {
    font-size: 2.25rem;
    margin-bottom: 16px;
    position: relative;
}

h3 {
    font-size: 1.5rem;
    margin-bottom: 12px;
}

h4 {
    font-family: var(--font-body);
    font-size: 1.125rem;
    font-weight: 600;
    margin-bottom: 8px;
}

p {
    margin-bottom: 16px;
    color: var(--color-text-muted);
}

p:last-child {
    margin-bottom: 0;
}

.gold-text {
    color: var(--color-gold-primary);
}

.text-white {
    color: var(--color-text-white) !important;
}

/* Section Header Styles */
.section-header {
    text-align: center;
    max-width: 700px;
    margin: 0 auto 60px auto;
}

.section-subtitle {
    display: inline-block;
    font-size: 0.875rem;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 2px;
    color: var(--color-gold-primary);
    margin-bottom: 12px;
}

.section-lead {
    font-size: 1.125rem;
    color: var(--color-text-muted);
}

/* ==========================================================================
   BUTTONS
   ========================================================================== */

.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    padding: 14px 28px;
    font-weight: 600;
    font-size: 0.95rem;
    border-radius: var(--border-radius);
    transition: all var(--transition-normal);
    gap: 8px;
}

.btn-primary {
    background-color: var(--color-gold-primary);
    color: var(--color-navy-dark);
    box-shadow: 0 4px 14px rgba(197, 168, 128, 0.3);
}

.btn-primary:hover {
    background-color: var(--color-gold-light);
    transform: translateY(-2px);
    box-shadow: 0 6px 20px rgba(197, 168, 128, 0.4);
}

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

.btn-secondary:hover {
    background-color: rgba(255, 255, 255, 0.08);
    border-color: var(--color-text-white);
    transform: translateY(-2px);
}

.btn-outline {
    background-color: transparent;
    color: var(--color-gold-primary);
    border: 1.5px solid var(--color-gold-primary);
}

.btn-outline:hover {
    background-color: var(--color-gold-primary);
    color: var(--color-navy-dark);
}

.btn-gold {
    background-color: var(--color-gold-primary);
    color: var(--color-navy-dark);
}

.btn-gold:hover {
    background-color: var(--color-gold-light);
    transform: translateY(-2px);
}

.btn-block {
    display: flex;
    width: 100%;
}

.icon {
    display: inline-block;
    width: 1.25em;
    height: 1.25em;
    stroke-width: 0;
    stroke: currentColor;
    fill: currentColor;
}

/* ==========================================================================
   HEADER NAVIGATION
   ========================================================================== */

.main-header {
    background-color: rgba(10, 25, 47, 0.95);
    backdrop-filter: blur(10px);
    position: fixed;
    top: 0;
    left: 0;
    width: 100%;
    z-index: 1000;
    height: var(--header-height);
    display: flex;
    align-items: center;
    border-bottom: 1px solid rgba(197, 168, 128, 0.15);
    transition: background-color var(--transition-normal);
}

.header-container {
    display: flex;
    justify-content: space-between;
    align-items: center;
    width: 100%;
}

.logo {
    font-family: var(--font-heading);
    font-size: 1.5rem;
    font-weight: 700;
    color: var(--color-text-white);
    display: flex;
    flex-direction: column;
    line-height: 1.1;
}

.logo-accent {
    color: var(--color-gold-primary);
    font-weight: 700;
}

.logo-sub {
    font-family: var(--font-body);
    font-size: 0.7rem;
    text-transform: uppercase;
    letter-spacing: 2.5px;
    color: var(--color-text-muted);
    margin-top: 2px;
}

.nav-menu ul {
    display: flex;
    list-style: none;
    gap: 32px;
}

.nav-link {
    color: rgba(255, 255, 255, 0.85);
    font-size: 0.95rem;
    font-weight: 500;
    padding: 8px 0;
    position: relative;
}

.nav-link::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    width: 0;
    height: 2px;
    background-color: var(--color-gold-primary);
    transition: width var(--transition-fast);
}

.nav-link:hover {
    color: var(--color-text-white);
}

.nav-link:hover::after {
    width: 100%;
}

.header-cta {
    display: flex;
    align-items: center;
    gap: 16px;
}

.btn-phone {
    padding: 10px 18px;
    font-size: 0.85rem;
}

.burger-menu {
    display: none;
    flex-direction: column;
    justify-content: space-between;
    width: 24px;
    height: 18px;
}

.burger-bar {
    width: 100%;
    height: 2px;
    background-color: var(--color-text-white);
    transition: all var(--transition-fast);
}

/* ==========================================================================
   HERO SECTION
   ========================================================================== */

.hero-section {
    min-height: 90vh;
    background-size: cover;
    background-position: center;
    background-attachment: scroll;
    display: flex;
    align-items: center;
    position: relative;
    padding-top: calc(var(--header-height) + 40px);
    padding-bottom: 80px;
    color: var(--color-text-white);
}

.hero-container {
    width: 100%;
}

.hero-content {
    max-width: 680px;
}

.hero-badge {
    display: inline-block;
    padding: 6px 14px;
    background-color: rgba(18, 60, 39, 0.6);
    border: 1px solid rgba(197, 168, 128, 0.3);
    border-radius: 50px;
    font-size: 0.85rem;
    font-weight: 600;
    letter-spacing: 1px;
    text-transform: uppercase;
    color: var(--color-gold-primary);
    margin-bottom: 24px;
}

.hero-section h1 {
    color: var(--color-text-white);
    font-size: 3.25rem;
    margin-bottom: 20px;
}

.hero-lead {
    font-size: 1.25rem;
    color: rgba(255, 255, 255, 0.85);
    margin-bottom: 36px;
}

.hero-actions {
    display: flex;
    gap: 16px;
    margin-bottom: 48px;
}

.hero-features {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
    border-top: 1px solid rgba(255, 255, 255, 0.15);
    padding-top: 32px;
}

.hero-feature-item {
    display: flex;
    flex-direction: column;
}

.hero-feature-item .gold-text {
    font-size: 1.75rem;
    font-weight: 700;
    line-height: 1.2;
    margin-bottom: 4px;
}

.feature-label {
    font-size: 0.85rem;
    color: rgba(255, 255, 255, 0.7);
}

/* Scroll indicator */
.hero-scroll-indicator {
    position: absolute;
    bottom: 30px;
    left: 50%;
    transform: translateX(-50%);
    display: flex;
    justify-content: center;
    align-items: center;
}

.scroll-arrow {
    display: block;
    width: 20px;
    height: 20px;
    border-right: 2px solid var(--color-gold-primary);
    border-bottom: 2px solid var(--color-gold-primary);
    transform: rotate(45deg);
    animation: bounce 2s infinite;
}

@keyframes bounce {
    0%, 20%, 50%, 80%, 100% {
        transform: translateY(0) rotate(45deg);
    }
    40% {
        transform: translateY(-8px) rotate(45deg);
    }
    60% {
        transform: translateY(-4px) rotate(45deg);
    }
}

/* ==========================================================================
   ABOUT ME SECTION
   ========================================================================== */

.about-section {
    background-color: var(--color-bg-white);
}

.section-grid {
    display: grid;
    grid-template-columns: 1fr 1.1fr;
    gap: 64px;
    align-items: center;
    margin-bottom: 80px;
}

.about-image-container {
    display: flex;
    justify-content: center;
}

.about-image-wrapper {
    position: relative;
    max-width: 420px;
    width: 100%;
}

.about-image-wrapper::before {
    content: '';
    position: absolute;
    top: 20px;
    left: -20px;
    width: 100%;
    height: 100%;
    border: 2px solid var(--color-gold-primary);
    border-radius: var(--border-radius-lg);
    z-index: 1;
}

.about-img {
    position: relative;
    border-radius: var(--border-radius-lg);
    box-shadow: var(--shadow-lg);
    z-index: 2;
    background-color: var(--color-navy-dark);
}

.about-experience-badge {
    position: absolute;
    bottom: 30px;
    right: -20px;
    background-color: var(--color-green-dark);
    color: var(--color-text-white);
    padding: 16px 24px;
    border-radius: var(--border-radius);
    box-shadow: var(--shadow-md);
    z-index: 3;
    display: flex;
    flex-direction: column;
    align-items: center;
    border-left: 4px solid var(--color-gold-primary);
}

.badge-num {
    font-size: 2rem;
    font-weight: 700;
    line-height: 1.1;
    color: var(--color-gold-primary);
}

.badge-txt {
    font-size: 0.75rem;
    text-transform: uppercase;
    letter-spacing: 1px;
    white-space: nowrap;
}

.about-subheadline {
    font-size: 1.25rem;
    font-family: var(--font-body);
    font-weight: 500;
    margin-bottom: 24px;
    color: var(--color-navy-medium);
}

.about-content p {
    margin-bottom: 20px;
}

.about-values {
    margin-top: 36px;
    display: flex;
    flex-direction: column;
    gap: 24px;
}

.value-item {
    display: flex;
    gap: 16px;
}

.value-icon {
    flex-shrink: 0;
    width: 48px;
    height: 48px;
    background-color: var(--color-green-soft);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
}

.value-text h4 {
    margin-bottom: 4px;
}

.value-text p {
    font-size: 0.9rem;
}

/* Cooperating Banks Grid */
.banks-logos-container {
    border-top: 1px solid #E2E8F0;
    padding-top: 60px;
}

.banks-title {
    text-align: center;
    font-size: 0.95rem;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 1px;
    color: var(--color-navy-dark);
    margin-bottom: 32px;
}

.banks-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 20px;
}

.bank-logo-card {
    background-color: var(--color-bg-offset);
    border: 1px solid #E2E8F0;
    border-radius: var(--border-radius);
    padding: 20px;
    text-align: center;
    font-weight: 600;
    font-size: 0.95rem;
    color: var(--color-text-muted);
    transition: all var(--transition-fast);
}

.bank-logo-card:hover {
    border-color: var(--color-gold-primary);
    color: var(--color-navy-dark);
    background-color: var(--color-bg-white);
    transform: translateY(-2px);
    box-shadow: var(--shadow-sm);
}

/* ==========================================================================
   SERVICES SECTION
   ========================================================================== */

.services-section {
    background-color: var(--color-bg-offset);
}

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

.service-card {
    background-color: var(--color-bg-white);
    border-radius: var(--border-radius-lg);
    padding: 40px;
    box-shadow: var(--shadow-sm);
    border: 1.5px solid transparent;
    transition: all var(--transition-normal);
}

.service-card:hover {
    transform: translateY(-6px);
    border-color: rgba(197, 168, 128, 0.3);
    box-shadow: var(--shadow-md);
}

.service-icon {
    width: 60px;
    height: 60px;
    background-color: var(--color-green-soft);
    border-radius: var(--border-radius);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--color-green-medium);
    margin-bottom: 24px;
}

.service-icon svg {
    width: 30px;
    height: 30px;
}

.service-card:hover .service-icon {
    background-color: var(--color-gold-primary);
    color: var(--color-navy-dark);
    transition: all var(--transition-normal);
}

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

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

/* ==========================================================================
   INTERACTIVE CALCULATOR
   ========================================================================== */

.calculator-section {
    background-color: var(--color-bg-white);
}

.calculator-grid {
    display: grid;
    grid-template-columns: 1.2fr 0.8fr;
    gap: 48px;
    background-color: var(--color-bg-offset);
    border-radius: var(--border-radius-lg);
    padding: 48px;
    box-shadow: var(--shadow-md);
    border: 1px solid #E2E8F0;
}

.calc-inputs-card {
    display: flex;
    flex-direction: column;
}

.calc-tabs {
    display: flex;
    gap: 12px;
    margin-bottom: 36px;
    border-bottom: 1px solid #E2E8F0;
    padding-bottom: 16px;
}

.calc-tab {
    font-weight: 600;
    font-size: 0.95rem;
    padding: 10px 20px;
    border-radius: var(--border-radius);
    color: var(--color-text-muted);
    transition: all var(--transition-fast);
}

.calc-tab.active {
    background-color: var(--color-navy-dark);
    color: var(--color-text-white);
}

.calc-tab:not(.active):hover {
    color: var(--color-navy-dark);
    background-color: rgba(10, 25, 47, 0.04);
}

.calc-form {
    display: flex;
    flex-direction: column;
    gap: 32px;
}

.range-group {
    display: flex;
    flex-direction: column;
}

.range-labels {
    display: flex;
    justify-content: space-between;
    margin-bottom: 10px;
}

.range-labels label {
    font-weight: 600;
    color: var(--color-navy-dark);
}

.range-value {
    font-weight: 700;
    color: var(--color-gold-dark);
}

/* Range input styling styling */
input[type="range"] {
    -webkit-appearance: none;
    width: 100%;
    height: 6px;
    background: #E2E8F0;
    border-radius: 3px;
    outline: none;
}

input[type="range"]::-webkit-slider-thumb {
    -webkit-appearance: none;
    appearance: none;
    width: 22px;
    height: 22px;
    border-radius: 50%;
    background: var(--color-gold-primary);
    border: 2px solid var(--color-navy-dark);
    cursor: pointer;
    transition: transform 0.1s;
}

input[type="range"]::-webkit-slider-thumb:hover {
    transform: scale(1.15);
}

input[type="range"]::-moz-range-thumb {
    width: 22px;
    height: 22px;
    border-radius: 50%;
    background: var(--color-gold-primary);
    border: 2px solid var(--color-navy-dark);
    cursor: pointer;
    transition: transform 0.1s;
}

input[type="range"]::-moz-range-thumb:hover {
    transform: scale(1.15);
}

.range-limits {
    display: flex;
    justify-content: space-between;
    font-size: 0.75rem;
    color: var(--color-text-muted);
    margin-top: 6px;
}

/* Calculator Results */
.calc-results-card {
    background-color: var(--color-navy-dark);
    color: var(--color-text-white);
    border-radius: var(--border-radius-lg);
    padding: 40px;
    display: flex;
    flex-direction: column;
    justify-content: center;
    border: 1px solid rgba(197, 168, 128, 0.2);
}

.result-installment-block {
    text-align: center;
    border-bottom: 1px solid rgba(255, 255, 255, 0.1);
    padding-bottom: 28px;
    margin-bottom: 28px;
}

.result-label {
    font-size: 0.9rem;
    text-transform: uppercase;
    letter-spacing: 1.5px;
    color: var(--color-gold-primary);
    margin-bottom: 8px;
}

.result-value {
    font-family: var(--font-heading);
    font-size: 3rem;
    font-weight: 700;
    color: var(--color-text-white);
    display: block;
}

.results-details {
    display: flex;
    flex-direction: column;
    gap: 16px;
    margin-bottom: 32px;
}

.detail-row {
    display: flex;
    justify-content: space-between;
    font-size: 0.95rem;
    border-bottom: 1px dashed rgba(255, 255, 255, 0.08);
    padding-bottom: 8px;
}

.detail-row span {
    color: rgba(255, 255, 255, 0.7);
}

.detail-row strong {
    color: var(--color-text-white);
}

.calc-cta-block {
    display: flex;
    flex-direction: column;
    gap: 16px;
}

.calc-hint {
    font-size: 0.75rem;
    color: rgba(255, 255, 255, 0.5);
    text-align: center;
}

/* ==========================================================================
   PROCESS SECTION
   ========================================================================== */

.process-section {
    background-color: var(--color-bg-green-offset);
}

.process-steps {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 24px;
    position: relative;
}

/* Step connector line */
.process-steps::before {
    content: '';
    position: absolute;
    top: 45px;
    left: 10%;
    right: 10%;
    height: 1px;
    background-color: rgba(197, 168, 128, 0.3);
    z-index: 1;
}

.step-card {
    background-color: var(--color-bg-white);
    border-radius: var(--border-radius);
    padding: 32px 24px;
    text-align: center;
    position: relative;
    z-index: 2;
    box-shadow: var(--shadow-sm);
    border: 1px solid #E2E8F0;
    transition: all var(--transition-fast);
}

.step-card:hover {
    border-color: var(--color-gold-primary);
    transform: translateY(-4px);
}

.step-num {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 60px;
    height: 60px;
    border-radius: 50%;
    background-color: var(--color-green-dark);
    color: var(--color-gold-primary);
    font-size: 1.25rem;
    font-weight: 700;
    margin-bottom: 20px;
    border: 2px solid var(--color-gold-primary);
}

.step-card h3 {
    font-size: 1.15rem;
    margin-bottom: 12px;
}

.step-card p {
    font-size: 0.85rem;
}

/* ==========================================================================
   TESTIMONIALS SECTION
   ========================================================================== */

.testimonials-section {
    background-color: var(--color-bg-white);
    overflow: hidden;
}

.testimonials-slider {
    max-width: 800px;
    margin: 0 auto;
    position: relative;
}

.testimonials-container {
    display: flex;
    transition: transform var(--transition-normal);
}

.testimonial-card {
    flex: 0 0 100%;
    width: 100%;
    background-color: var(--color-bg-offset);
    border-radius: var(--border-radius-lg);
    padding: 48px;
    text-align: center;
    border: 1px solid #E2E8F0;
    border-left: 4px solid var(--color-gold-primary);
}

.rating-stars {
    color: var(--color-gold-primary);
    font-size: 1.25rem;
    margin-bottom: 20px;
    letter-spacing: 2px;
}

.testimonial-text {
    font-size: 1.15rem;
    font-family: var(--font-heading);
    font-style: italic;
    color: var(--color-navy-dark);
    margin-bottom: 28px;
    line-height: 1.6;
}

.testimonial-author {
    display: flex;
    flex-direction: column;
    align-items: center;
}

.author-name {
    font-weight: 600;
    color: var(--color-navy-dark);
}

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

.slider-dots {
    display: flex;
    justify-content: center;
    gap: 8px;
    margin-top: 24px;
}

.dot {
    width: 10px;
    height: 10px;
    border-radius: 50%;
    background-color: #CBD5E1;
    transition: all var(--transition-fast);
}

.dot.active {
    background-color: var(--color-gold-primary);
    width: 24px;
    border-radius: 50px;
}

/* ==========================================================================
   CONTACT SECTION
   ========================================================================== */

.contact-section {
    background-color: var(--color-navy-dark);
    color: var(--color-text-white);
}

.contact-section h2 {
    color: var(--color-text-white);
}

.contact-layout {
    display: grid;
    grid-template-columns: 1fr 1.1fr;
    gap: 64px;
}

.contact-intro {
    color: rgba(255, 255, 255, 0.7);
    font-size: 1.05rem;
    margin-bottom: 40px;
}

.contact-details-list {
    display: flex;
    flex-direction: column;
    gap: 24px;
    margin-bottom: 40px;
}

.contact-detail-item {
    display: flex;
    gap: 16px;
    align-items: flex-start;
}

.detail-icon {
    flex-shrink: 0;
    width: 48px;
    height: 48px;
    border-radius: 50%;
    background-color: rgba(255, 255, 255, 0.05);
    border: 1px solid rgba(197, 168, 128, 0.2);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--color-gold-primary);
}

.detail-icon svg {
    width: 22px;
    height: 22px;
}

.detail-info {
    display: flex;
    flex-direction: column;
}

.detail-lbl {
    font-size: 0.8rem;
    text-transform: uppercase;
    letter-spacing: 1px;
    color: rgba(255, 255, 255, 0.5);
    margin-bottom: 4px;
}

.detail-val {
    font-size: 1.1rem;
    font-weight: 500;
}

a.detail-val:hover {
    color: var(--color-gold-primary);
}

.contact-map-wrapper {
    border-radius: var(--border-radius-lg);
    overflow: hidden;
    box-shadow: var(--shadow-lg);
    border: 1.5px solid rgba(197, 168, 128, 0.25);
}

/* Contact Form Card styling */
.contact-form-card {
    background-color: var(--color-navy-medium);
    border-radius: var(--border-radius-lg);
    padding: 48px;
    border: 1px solid rgba(255, 255, 255, 0.08);
}

.contact-form-card h3 {
    color: var(--color-text-white);
    margin-bottom: 8px;
}

.contact-form-card p {
    color: rgba(255, 255, 255, 0.6);
    margin-bottom: 32px;
    font-size: 0.95rem;
}

.contact-form {
    display: flex;
    flex-direction: column;
    gap: 20px;
}

.form-group {
    display: flex;
    flex-direction: column;
    gap: 6px;
    position: relative;
}

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

.form-group label {
    font-size: 0.85rem;
    font-weight: 600;
    color: rgba(255, 255, 255, 0.85);
}

.form-group input, 
.form-group textarea {
    background-color: rgba(255, 255, 255, 0.05);
    border: 1px solid rgba(255, 255, 255, 0.15);
    border-radius: var(--border-radius);
    padding: 12px 16px;
    color: var(--color-text-white);
    transition: all var(--transition-fast);
}

.form-group input::placeholder, 
.form-group textarea::placeholder {
    color: rgba(255, 255, 255, 0.3);
}

.form-group input:focus, 
.form-group textarea:focus {
    outline: none;
    border-color: var(--color-gold-primary);
    background-color: rgba(255, 255, 255, 0.08);
    box-shadow: 0 0 0 3px rgba(197, 168, 128, 0.15);
}

/* Form validation styling */
.error-msg {
    display: none;
    font-size: 0.75rem;
    color: #F87171;
    margin-top: 4px;
}

.form-group.invalid input,
.form-group.invalid textarea,
.form-consent.invalid .checkmark {
    border-color: #F87171;
}

.form-group.invalid .error-msg,
.form-consent.invalid .error-msg {
    display: block;
}

/* Checkbox Styling */
.form-consent {
    position: relative;
    display: flex;
    flex-direction: column;
}

.checkbox-container {
    display: flex;
    position: relative;
    padding-left: 28px;
    cursor: pointer;
    user-select: none;
}

.checkbox-container input {
    position: absolute;
    opacity: 0;
    cursor: pointer;
    height: 0;
    width: 0;
}

.checkmark {
    position: absolute;
    top: 3px;
    left: 0;
    height: 18px;
    width: 18px;
    background-color: rgba(255, 255, 255, 0.05);
    border: 1px solid rgba(255, 255, 255, 0.2);
    border-radius: 3px;
    transition: all var(--transition-fast);
}

.checkbox-container:hover input ~ .checkmark {
    border-color: var(--color-gold-primary);
}

.checkbox-container input:checked ~ .checkmark {
    background-color: var(--color-gold-primary);
    border-color: var(--color-gold-primary);
}

.checkmark::after {
    content: "";
    position: absolute;
    display: none;
}

.checkbox-container input:checked ~ .checkmark::after {
    display: block;
}

.checkbox-container .checkmark::after {
    left: 6px;
    top: 2px;
    width: 5px;
    height: 9px;
    border: solid var(--color-navy-dark);
    border-width: 0 2px 2px 0;
    transform: rotate(45deg);
}

.consent-text {
    font-size: 0.75rem;
    color: rgba(255, 255, 255, 0.7);
    line-height: 1.4;
}

.consent-text a {
    color: var(--color-gold-primary);
    text-decoration: underline;
}

/* Feedback states */
.form-feedback {
    margin-top: 20px;
    padding: 16px;
    border-radius: var(--border-radius);
    font-size: 0.9rem;
    border-left: 4px solid transparent;
}

.success-feedback {
    background-color: rgba(18, 60, 39, 0.2);
    border-color: var(--color-green-light);
    color: #A7F3D0;
}

.error-feedback {
    background-color: rgba(220, 38, 38, 0.15);
    border-color: #DC2626;
    color: #FCA5A5;
}

/* ==========================================================================
   FOOTER
   ========================================================================== */

.main-footer {
    background-color: var(--color-navy-dark);
    color: rgba(255, 255, 255, 0.7);
    padding: 80px 0 40px 0;
    border-top: 1px solid rgba(255, 255, 255, 0.08);
}

.footer-container {
    display: grid;
    grid-template-columns: 2fr 1fr;
    gap: 64px;
    margin-bottom: 60px;
}

.footer-brand .logo {
    margin-bottom: 20px;
}

.footer-brand p {
    color: rgba(255, 255, 255, 0.6);
    max-width: 450px;
}

.footer-links h4 {
    color: var(--color-text-white);
    margin-bottom: 24px;
}

.footer-links ul {
    list-style: none;
    display: flex;
    flex-direction: column;
    gap: 12px;
}

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

.footer-legal {
    border-top: 1px solid rgba(255, 255, 255, 0.08);
    padding-top: 40px;
    display: flex;
    flex-direction: column;
    gap: 16px;
    font-size: 0.8rem;
    color: rgba(255, 255, 255, 0.4);
}

.legal-disclaimer {
    line-height: 1.5;
}

/* ==========================================================================
   RESPONSIVE DESIGN (MEDIA QUERIES)
   ========================================================================== */

@media (max-width: 1024px) {
    h1 { font-size: 2.5rem; }
    h2 { font-size: 2rem; }
    
    .section-grid,
    .calculator-grid,
    .contact-layout {
        gap: 40px;
    }
}

@media (max-width: 992px) {
    section {
        padding: 80px 0;
    }
    
    /* Responsive grids */
    .section-grid {
        grid-template-columns: 1fr;
        gap: 48px;
    }
    
    .about-image-container {
        order: 2;
    }
    
    .services-grid {
        grid-template-columns: repeat(2, 1fr);
        gap: 24px;
    }
    
    .calculator-grid {
        grid-template-columns: 1fr;
        padding: 32px;
    }
    
    .process-steps {
        grid-template-columns: repeat(2, 1fr);
        gap: 32px;
    }
    
    .process-steps::before {
        display: none; /* Hide connector line on tablet/mobile grids */
    }
    
    .contact-layout {
        grid-template-columns: 1fr;
        gap: 48px;
    }
}

@media (max-width: 768px) {
    /* Header & Burger Menu */
    .burger-menu {
        display: flex;
        z-index: 1001;
    }
    
    .nav-menu {
        position: fixed;
        top: 0;
        right: -100%;
        width: 80%;
        max-width: 400px;
        height: 100vh;
        background-color: var(--color-navy-dark);
        border-left: 1px solid rgba(197, 168, 128, 0.2);
        padding: calc(var(--header-height) + 40px) 40px 40px 40px;
        display: flex;
        flex-direction: column;
        z-index: 999;
        transition: right var(--transition-normal);
        box-shadow: var(--shadow-lg);
    }
    
    .nav-menu.open {
        right: 0;
    }
    
    .nav-menu ul {
        flex-direction: column;
        gap: 24px;
    }
    
    .nav-link {
        font-size: 1.15rem;
        display: block;
    }
    
    .burger-menu.open .burger-bar:nth-child(1) {
        transform: translateY(8px) rotate(45deg);
    }
    
    .burger-menu.open .burger-bar:nth-child(2) {
        opacity: 0;
    }
    
    .burger-menu.open .burger-bar:nth-child(3) {
        transform: translateY(-8px) rotate(-45deg);
    }
    
    /* Hero elements */
    .hero-section {
        min-height: auto;
        padding-top: calc(var(--header-height) + 20px);
        padding-bottom: 60px;
    }
    
    .hero-section h1 {
        font-size: 2.25rem;
    }
    
    .hero-actions {
        flex-direction: column;
        gap: 12px;
    }
    
    .hero-features {
        grid-template-columns: 1fr;
        gap: 16px;
    }
    
    .hero-feature-item {
        flex-direction: row;
        align-items: center;
        gap: 12px;
    }
    
    .hero-feature-item .gold-text {
        font-size: 1.5rem;
        margin-bottom: 0;
        min-width: 90px;
    }
    
    /* Banks */
    .banks-grid {
        grid-template-columns: repeat(2, 1fr);
        gap: 12px;
    }
    
    .bank-logo-card {
        padding: 16px 12px;
        font-size: 0.85rem;
    }
    
    /* Details */
    .calc-results-card {
        padding: 24px;
    }
    
    .result-value {
        font-size: 2.25rem;
    }
    
    .testimonial-card {
        padding: 32px 20px;
    }
    
    .testimonial-text {
        font-size: 1rem;
    }
    
    .contact-form-card {
        padding: 32px 20px;
    }
    
    .form-row {
        grid-template-columns: 1fr;
        gap: 20px;
    }
    
    .footer-container {
        grid-template-columns: 1fr;
        gap: 40px;
    }
}

@media (max-width: 576px) {
    section {
        padding: 60px 0;
    }
    
    h1 { font-size: 1.85rem; }
    h2 { font-size: 1.65rem; }
    
    .services-grid,
    .process-steps {
        grid-template-columns: 1fr;
    }
    
    .service-card {
        padding: 24px;
    }
    
    .header-cta .btn-phone span {
        display: none; /* Hide text on extra small screens, keep icon button */
    }
    
    .btn-phone {
        width: 42px;
        height: 42px;
        border-radius: 50%;
        padding: 0;
        display: inline-flex;
        align-items: center;
        justify-content: center;
    }
    
    .btn-phone svg {
        margin: 0;
    }
}