/* ===========================
   EMKAN - Reset & Variables
   =========================== */
*, *::before, *::after {
    box-sizing: border-box;
    margin: 0;
    padding: 0;
}

:root {
    --primary-dark: #0a2540;
    --primary: #1a4480;
    --primary-light: #2d5fb3;
    --accent: #00b894;
    --accent-light: #1dd1a1;
    --gold: #d4af37;
    --gold-light: #f5d76e;
    --turquoise: #14b8a6;
    --text-dark: #1a2332;
    --text-medium: #4a5568;
    --text-light: #718096;
    --bg-white: #ffffff;
    --bg-light: #f7fafc;
    --bg-gray: #edf2f7;
    --border: #e2e8f0;
    --shadow-sm: 0 2px 8px rgba(10, 37, 64, 0.06);
    --shadow-md: 0 8px 24px rgba(10, 37, 64, 0.08);
    --shadow-lg: 0 16px 48px rgba(10, 37, 64, 0.12);
    --shadow-xl: 0 24px 64px rgba(10, 37, 64, 0.16);
    --radius-sm: 8px;
    --radius-md: 12px;
    --radius-lg: 20px;
    --radius-xl: 28px;
    --transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
}

html {
    scroll-behavior: smooth;
    scroll-padding-top: 90px;
}

body {
    font-family: 'Heebo', -apple-system, BlinkMacSystemFont, 'Segoe UI', Arial, sans-serif;
    font-size: 16px;
    line-height: 1.7;
    color: var(--text-dark);
    background: var(--bg-white);
    direction: rtl;
    overflow-x: hidden;
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
}

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

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

ul {
    list-style: none;
}

button {
    cursor: pointer;
    border: none;
    background: none;
    font-family: inherit;
}

.container {
    width: 100%;
    max-width: 1280px;
    margin: 0 auto;
    padding: 0 24px;
}

/* ===========================
   Buttons
   =========================== */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    padding: 14px 28px;
    font-size: 16px;
    font-weight: 600;
    border-radius: var(--radius-md);
    transition: var(--transition);
    cursor: pointer;
    text-align: center;
    white-space: nowrap;
    border: 2px solid transparent;
}

.btn-primary {
    background: linear-gradient(135deg, var(--primary) 0%, var(--primary-light) 100%);
    color: white;
    box-shadow: 0 8px 20px rgba(26, 68, 128, 0.25);
}

.btn-primary:hover {
    transform: translateY(-2px);
    box-shadow: 0 12px 28px rgba(26, 68, 128, 0.35);
    background: linear-gradient(135deg, var(--primary-dark) 0%, var(--primary) 100%);
}

.btn-secondary {
    background: white;
    color: var(--primary);
    border-color: var(--border);
}

.btn-secondary:hover {
    border-color: var(--primary);
    transform: translateY(-2px);
    box-shadow: var(--shadow-md);
}

.btn-gold {
    background: linear-gradient(135deg, var(--gold) 0%, var(--gold-light) 100%);
    color: var(--primary-dark);
    box-shadow: 0 8px 24px rgba(212, 175, 55, 0.35);
}

.btn-gold:hover {
    transform: translateY(-2px);
    box-shadow: 0 12px 32px rgba(212, 175, 55, 0.5);
    background: linear-gradient(135deg, var(--gold-light) 0%, var(--gold) 100%);
}

.btn-large {
    padding: 18px 36px;
    font-size: 17px;
}

.btn-header {
    padding: 12px 24px;
    font-size: 15px;
}

/* ===========================
   Header
   =========================== */
.header {
    position: fixed;
    top: 0;
    right: 0;
    left: 0;
    z-index: 1000;
    background: rgba(255, 255, 255, 0.95);
    backdrop-filter: blur(12px);
    -webkit-backdrop-filter: blur(12px);
    border-bottom: 1px solid transparent;
    transition: var(--transition);
}

.header.scrolled {
    background: rgba(255, 255, 255, 0.98);
    border-bottom-color: var(--border);
    box-shadow: var(--shadow-sm);
}

.header-container {
    display: flex;
    align-items: center;
    justify-content: space-between;
    height: 80px;
    gap: 24px;
}

.logo {
    display: inline-flex;
    align-items: center;
    position: relative;
    transition: var(--transition);
    text-decoration: none;
}

.logo:hover {
    transform: scale(1.05);
}

.logo-img {
    height: 60px;
    width: 60px;
    display: block;
    object-fit: contain;
    border-radius: 12px;
    flex-shrink: 0;
}

.footer-logo-img {
    height: 90px;
    width: 90px;
    border-radius: 16px;
}

.footer-logo {
    display: inline-flex;
    align-items: center;
    margin-bottom: 16px;
}

.nav-list {
    display: flex;
    align-items: center;
    gap: 4px;
}

.nav-link {
    padding: 10px 16px;
    font-size: 15px;
    font-weight: 500;
    color: var(--text-medium);
    border-radius: var(--radius-sm);
    position: relative;
    transition: var(--transition);
}

.nav-link:hover,
.nav-link.active {
    color: var(--primary);
    background: var(--bg-light);
}

.nav-link::after {
    content: '';
    position: absolute;
    bottom: 4px;
    right: 50%;
    transform: translateX(50%);
    width: 0;
    height: 2px;
    background: var(--gold);
    transition: var(--transition);
}

.nav-link.active::after {
    width: 24px;
}

.hamburger {
    display: none;
    flex-direction: column;
    justify-content: space-between;
    width: 28px;
    height: 22px;
    padding: 0;
    z-index: 1100;
}

.hamburger span {
    display: block;
    width: 100%;
    height: 3px;
    background: var(--primary-dark);
    border-radius: 2px;
    transition: var(--transition);
    transform-origin: center;
}

.hamburger.active span:nth-child(1) {
    transform: translateY(9.5px) rotate(45deg);
}

.hamburger.active span:nth-child(2) {
    opacity: 0;
}

.hamburger.active span:nth-child(3) {
    transform: translateY(-9.5px) rotate(-45deg);
}

/* ===========================
   Hero Section
   =========================== */
.hero {
    position: relative;
    min-height: auto;
    padding: 120px 0 100px;
    overflow: hidden;
    background: linear-gradient(135deg, #f7fafc 0%, #edf4ff 50%, #f7fafc 100%);
}

.hero-bg {
    position: absolute;
    inset: 0;
    overflow: hidden;
    z-index: 0;
}

.hero-bg::before {
    content: '';
    position: absolute;
    top: -200px;
    right: -200px;
    width: 600px;
    height: 600px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(26, 68, 128, 0.08) 0%, transparent 70%);
}

.hero-bg::after {
    content: '';
    position: absolute;
    bottom: -300px;
    left: -100px;
    width: 700px;
    height: 700px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(20, 184, 166, 0.08) 0%, transparent 70%);
}

.hero-container {
    position: relative;
    z-index: 1;
    display: grid;
    grid-template-columns: 1.2fr 1fr;
    gap: 60px;
    align-items: center;
}

.hero-content {
    max-width: 640px;
}

.hero-badge {
    display: inline-block;
    padding: 8px 18px;
    background: rgba(20, 184, 166, 0.1);
    color: var(--turquoise);
    font-size: 14px;
    font-weight: 600;
    border-radius: 100px;
    margin-bottom: 24px;
    border: 1px solid rgba(20, 184, 166, 0.2);
}

.hero-title {
    font-size: clamp(32px, 4.5vw, 54px);
    font-weight: 800;
    line-height: 1.2;
    color: var(--primary-dark);
    margin-bottom: 24px;
    letter-spacing: -1px;
}

.brand-name {
    background: linear-gradient(135deg, var(--primary) 0%, var(--turquoise) 100%);
    -webkit-background-clip: text;
    background-clip: text;
    -webkit-text-fill-color: transparent;
    font-weight: 900;
}

.hero-divider {
    color: var(--gold);
    margin: 0 8px;
}

.hero-text {
    font-size: 18px;
    line-height: 1.8;
    color: var(--text-medium);
    margin-bottom: 40px;
}

.hero-buttons {
    display: flex;
    gap: 16px;
    flex-wrap: wrap;
    margin-bottom: 36px;
}

.hero-stats {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
    padding-top: 24px;
    border-top: 1px solid var(--border);
}

.stat-number {
    font-size: 36px;
    font-weight: 800;
    color: var(--primary);
    background: linear-gradient(135deg, var(--primary) 0%, var(--turquoise) 100%);
    -webkit-background-clip: text;
    background-clip: text;
    -webkit-text-fill-color: transparent;
    margin-bottom: 4px;
}

.stat-label {
    font-size: 14px;
    color: var(--text-light);
    font-weight: 500;
}

/* Hero Visual */
.hero-visual {
    position: relative;
    min-height: 540px;
}

.hero-image-wrap {
    position: relative;
    width: 100%;
    height: 100%;
    min-height: 540px;
}

.hero-image-frame {
    position: absolute;
    inset: 0;
    border-radius: var(--radius-xl);
    overflow: hidden;
    box-shadow: var(--shadow-xl);
    transform: rotate(-2deg);
}

.hero-image {
    width: 100%;
    height: 100%;
    object-fit: cover;
    display: block;
    transition: transform 8s ease;
}

.hero-image-frame:hover .hero-image {
    transform: scale(1.05);
}

.hero-image-overlay {
    position: absolute;
    inset: 0;
    background: linear-gradient(135deg, rgba(10, 37, 64, 0.2) 0%, rgba(20, 184, 166, 0.15) 100%);
}

.hero-overlay-card {
    position: absolute;
    background: white;
    padding: 18px 22px;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-xl);
    display: flex;
    align-items: center;
    gap: 14px;
    z-index: 2;
    animation: floatCard 6s ease-in-out infinite;
    border: 1px solid rgba(0,0,0,0.04);
}

.hero-overlay-card-1 {
    top: 30px;
    left: -30px;
    animation-delay: 0s;
}

.hero-overlay-card-2 {
    bottom: 40px;
    right: -30px;
    animation-delay: 3s;
    background: linear-gradient(135deg, var(--primary-dark) 0%, var(--primary) 100%);
    color: white;
    border-color: transparent;
}

@keyframes floatCard {
    0%, 100% { transform: translateY(0); }
    50% { transform: translateY(-12px); }
}

.overlay-card-icon {
    width: 44px;
    height: 44px;
    border-radius: var(--radius-sm);
    background: linear-gradient(135deg, rgba(26, 68, 128, 0.1) 0%, rgba(20, 184, 166, 0.1) 100%);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--primary);
    flex-shrink: 0;
}

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

.overlay-card-icon-gold {
    background: rgba(212, 175, 55, 0.2);
    color: var(--gold);
}

.hero-overlay-card-2 .overlay-card-icon-gold {
    background: rgba(212, 175, 55, 0.25);
    color: var(--gold-light);
}

.overlay-card-title {
    font-size: 15px;
    font-weight: 700;
    color: var(--primary-dark);
    margin-bottom: 2px;
}

.hero-overlay-card-2 .overlay-card-title {
    color: white;
}

.overlay-card-value {
    font-size: 22px;
    font-weight: 900;
    color: var(--gold-light);
    line-height: 1;
    margin-bottom: 4px;
}

.overlay-card-text {
    font-size: 13px;
    color: var(--text-light);
}

.hero-overlay-card-2 .overlay-card-text {
    color: rgba(255, 255, 255, 0.85);
}

.hero-floating-dot {
    position: absolute;
    border-radius: 50%;
    z-index: 1;
    animation: floatCard 7s ease-in-out infinite;
}

.hero-dot-1 {
    top: -20px;
    right: 40px;
    width: 60px;
    height: 60px;
    background: linear-gradient(135deg, var(--gold) 0%, var(--gold-light) 100%);
    opacity: 0.85;
    box-shadow: 0 12px 30px rgba(212, 175, 55, 0.3);
    animation-delay: 1.5s;
}

.hero-dot-2 {
    bottom: -25px;
    left: 80px;
    width: 80px;
    height: 80px;
    background: linear-gradient(135deg, var(--turquoise) 0%, var(--accent) 100%);
    opacity: 0.75;
    box-shadow: 0 12px 30px rgba(20, 184, 166, 0.3);
    animation-delay: 4s;
}

/* Decorative SVG elements around hero image */
.hero-decoration {
    position: absolute;
    z-index: 2;
    pointer-events: none;
    animation: spinDecoration 20s linear infinite;
}

.hero-decoration-1 {
    top: -25px;
    right: -25px;
    width: 60px;
    height: 60px;
    animation-duration: 25s;
}

.hero-decoration-2 {
    top: 50%;
    left: -40px;
    width: 70px;
    height: 70px;
    animation: pulseDecoration 4s ease-in-out infinite;
}

.hero-decoration-3 {
    bottom: -30px;
    left: 20%;
    width: 120px;
    height: auto;
    animation: floatDecoration 6s ease-in-out infinite;
}

@keyframes spinDecoration {
    from { transform: rotate(0deg); }
    to { transform: rotate(360deg); }
}

@keyframes pulseDecoration {
    0%, 100% { transform: scale(1); opacity: 0.8; }
    50% { transform: scale(1.15); opacity: 1; }
}

@keyframes floatDecoration {
    0%, 100% { transform: translateY(0) rotate(-3deg); }
    50% { transform: translateY(-10px) rotate(3deg); }
}

/* ===========================
   Wave Dividers & Floating Shapes
   =========================== */
.wave-divider {
    position: absolute;
    left: 0;
    right: 0;
    width: 100%;
    overflow: hidden;
    line-height: 0;
    z-index: 2;
    pointer-events: none;
}

.wave-divider-bottom {
    bottom: -1px;
}

.wave-divider svg {
    width: 100%;
    height: 80px;
    display: block;
}

.floating-shape {
    position: absolute;
    border-radius: 50%;
    filter: blur(60px);
    opacity: 0.4;
    pointer-events: none;
    z-index: 0;
    animation: floatShape 15s ease-in-out infinite;
}

.floating-shape.shape-1 {
    top: 10%;
    right: 5%;
    width: 300px;
    height: 300px;
    background: linear-gradient(135deg, var(--turquoise) 0%, var(--accent) 100%);
    animation-delay: 0s;
}

.floating-shape.shape-2 {
    bottom: 10%;
    left: 5%;
    width: 250px;
    height: 250px;
    background: linear-gradient(135deg, var(--gold) 0%, var(--gold-light) 100%);
    animation-delay: 5s;
}

.floating-shape.shape-3 {
    top: 50%;
    right: 40%;
    width: 200px;
    height: 200px;
    background: linear-gradient(135deg, var(--primary-light) 0%, var(--turquoise) 100%);
    animation-delay: 8s;
}

@keyframes floatShape {
    0%, 100% { transform: translate(0, 0) scale(1); }
    33% { transform: translate(30px, -50px) scale(1.1); }
    66% { transform: translate(-40px, 30px) scale(0.9); }
}

/* Scroll reveal animations */
.reveal-element {
    opacity: 0;
    transform: translateY(30px);
    transition: opacity 0.7s cubic-bezier(0.4, 0, 0.2, 1), transform 0.7s cubic-bezier(0.4, 0, 0.2, 1);
}

.reveal-element.revealed {
    opacity: 1;
    transform: translateY(0);
}

/* Staggered delays for grid children */
.advantages-grid .advantage-card:nth-child(1),
.services-grid > *:nth-child(1),
.process-grid .process-step:nth-child(1),
.testimonials-grid .testimonial-card:nth-child(1) {
    transition-delay: 0s;
}

.advantages-grid .advantage-card:nth-child(2),
.services-grid > *:nth-child(2),
.process-grid .process-step:nth-child(2),
.testimonials-grid .testimonial-card:nth-child(2) {
    transition-delay: 0.1s;
}

.advantages-grid .advantage-card:nth-child(3),
.services-grid > *:nth-child(3),
.process-grid .process-step:nth-child(3),
.testimonials-grid .testimonial-card:nth-child(3) {
    transition-delay: 0.2s;
}

.advantages-grid .advantage-card:nth-child(4),
.services-grid > *:nth-child(4),
.process-grid .process-step:nth-child(4) {
    transition-delay: 0.3s;
}

.services-grid > *:nth-child(5) { transition-delay: 0.4s; }
.services-grid > *:nth-child(6) { transition-delay: 0.5s; }

/* ===========================
   Section Header
   =========================== */
.section-tag {
    display: inline-block;
    padding: 6px 16px;
    background: rgba(212, 175, 55, 0.12);
    color: #a08828;
    font-size: 13px;
    font-weight: 600;
    border-radius: 100px;
    margin-bottom: 16px;
    letter-spacing: 0.5px;
}

.section-header {
    text-align: center;
    max-width: 720px;
    margin: 0 auto 40px;
}

.section-title {
    font-size: clamp(28px, 3.5vw, 42px);
    font-weight: 800;
    color: var(--primary-dark);
    margin-bottom: 16px;
    letter-spacing: -0.5px;
    line-height: 1.2;
}

.section-subtitle {
    font-size: 18px;
    color: var(--text-medium);
    line-height: 1.7;
}

/* ===========================
   Partners Strip
   =========================== */
.partners-strip {
    padding: 32px 0 28px;
    background: white;
    overflow: hidden;
    border-bottom: 1px solid var(--border);
}

.partners-title {
    text-align: center;
    font-size: 14px;
    font-weight: 600;
    color: var(--text-light);
    margin-bottom: 18px;
    letter-spacing: 0.5px;
    text-transform: none;
}

.partners-marquee {
    overflow: hidden;
    position: relative;
    mask-image: linear-gradient(90deg, transparent, black 10%, black 90%, transparent);
    -webkit-mask-image: linear-gradient(90deg, transparent, black 10%, black 90%, transparent);
}

.partners-track {
    display: flex;
    gap: 60px;
    animation: scrollPartners 40s linear infinite;
    width: max-content;
}

@keyframes scrollPartners {
    0% { transform: translateX(0); }
    100% { transform: translateX(-50%); }
}

.partner-logo {
    flex-shrink: 0;
    padding: 10px 18px;
    background: white;
    border: 1px solid var(--border);
    border-radius: var(--radius-sm);
    transition: var(--transition);
    display: flex;
    align-items: center;
    justify-content: center;
    width: 140px;
    height: 60px;
}

.partner-logo img {
    max-width: 100%;
    max-height: 100%;
    width: auto;
    height: auto;
    object-fit: contain;
    filter: grayscale(40%);
    opacity: 0.85;
    transition: var(--transition);
}

.partner-logo:hover {
    border-color: var(--primary);
    transform: translateY(-2px);
    box-shadow: var(--shadow-sm);
}

.partner-logo:hover img {
    filter: grayscale(0%);
    opacity: 1;
}

/* ===========================
   How It Works
   =========================== */
.how-it-works {
    padding: 60px 0;
    background: linear-gradient(180deg, white 0%, #f0f7ff 100%);
    position: relative;
    overflow: hidden;
}

.how-it-works .container {
    position: relative;
    z-index: 1;
}

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

.process-grid::before {
    content: '';
    position: absolute;
    top: 80px;
    right: 8%;
    left: 8%;
    height: 2px;
    background: repeating-linear-gradient(90deg, var(--border) 0 8px, transparent 8px 16px);
    z-index: 0;
}

.process-step {
    position: relative;
    padding: 32px 24px;
    background: white;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-sm);
    border: 1px solid var(--border);
    transition: var(--transition);
    text-align: center;
    z-index: 1;
}

.process-step:hover {
    transform: translateY(-8px);
    box-shadow: var(--shadow-lg);
}

.process-number {
    position: absolute;
    top: -20px;
    right: 50%;
    transform: translateX(50%);
    font-size: 14px;
    font-weight: 800;
    padding: 6px 14px;
    border-radius: 100px;
    color: white;
    letter-spacing: 1px;
    box-shadow: 0 6px 16px rgba(0,0,0,0.15);
}

.process-step-1 .process-number {
    background: linear-gradient(135deg, var(--primary) 0%, var(--primary-light) 100%);
}

.process-step-2 .process-number {
    background: linear-gradient(135deg, var(--turquoise) 0%, var(--accent) 100%);
}

.process-step-3 .process-number {
    background: linear-gradient(135deg, var(--gold) 0%, var(--gold-light) 100%);
    color: var(--primary-dark);
}

.process-step-4 .process-number {
    background: linear-gradient(135deg, #f76b8a 0%, #ff8a9d 100%);
}

.process-icon {
    width: 72px;
    height: 72px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 16px auto 24px;
    transition: var(--transition);
}

.process-step-1 .process-icon {
    background: rgba(26, 68, 128, 0.1);
    color: var(--primary);
}

.process-step-2 .process-icon {
    background: rgba(20, 184, 166, 0.1);
    color: var(--turquoise);
}

.process-step-3 .process-icon {
    background: rgba(212, 175, 55, 0.15);
    color: #a08828;
}

.process-step-4 .process-icon {
    background: rgba(247, 107, 138, 0.12);
    color: #e85578;
}

.process-step:hover .process-icon {
    transform: rotate(-5deg) scale(1.08);
}

.process-icon svg {
    width: 32px;
    height: 32px;
}

.process-step h3 {
    font-size: 18px;
    font-weight: 700;
    color: var(--primary-dark);
    margin-bottom: 10px;
}

.process-step p {
    font-size: 14px;
    line-height: 1.7;
    color: var(--text-medium);
}

/* ===========================
   Testimonials
   =========================== */
.testimonials {
    padding: 60px 0;
    background: linear-gradient(180deg, #f0f7ff 0%, white 100%);
    position: relative;
    overflow: hidden;
}

.testimonials .container {
    position: relative;
    z-index: 1;
}

.testimonials-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
    margin-bottom: 32px;
}

.testimonial-card {
    background: white;
    padding: 36px 30px;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-sm);
    border: 1px solid var(--border);
    transition: var(--transition);
    position: relative;
    overflow: hidden;
}

.testimonial-card::before {
    content: '"';
    position: absolute;
    top: 10px;
    left: 22px;
    font-size: 90px;
    line-height: 1;
    color: rgba(20, 184, 166, 0.1);
    font-family: serif;
    font-weight: 900;
}

.testimonial-card:hover {
    transform: translateY(-6px);
    box-shadow: var(--shadow-lg);
    border-color: var(--turquoise);
}

.testimonial-stars {
    display: flex;
    gap: 2px;
    margin-bottom: 16px;
    font-size: 18px;
    color: var(--gold);
    position: relative;
    z-index: 1;
}

.testimonial-text {
    font-size: 16px;
    line-height: 1.8;
    color: var(--text-dark);
    margin-bottom: 24px;
    font-weight: 500;
    position: relative;
    z-index: 1;
}

.testimonial-author {
    display: flex;
    align-items: center;
    gap: 14px;
    padding-top: 20px;
    border-top: 1px solid var(--border);
}

.testimonial-avatar {
    width: 52px;
    height: 52px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: white;
    font-weight: 700;
    font-size: 15px;
    letter-spacing: 0.5px;
    flex-shrink: 0;
}

.testimonial-avatar-1 {
    background: linear-gradient(135deg, var(--primary) 0%, var(--primary-light) 100%);
}

.testimonial-avatar-2 {
    background: linear-gradient(135deg, var(--turquoise) 0%, var(--accent) 100%);
}

.testimonial-avatar-3 {
    background: linear-gradient(135deg, #f76b8a 0%, #ff8a9d 100%);
}

.testimonial-name {
    font-size: 15px;
    font-weight: 700;
    color: var(--primary-dark);
}

.testimonial-role {
    font-size: 13px;
    color: var(--text-light);
}

.testimonials-cta {
    text-align: center;
}

/* ===========================
   Advantages
   =========================== */
.advantages {
    padding: 60px 0;
    background: var(--bg-white);
}

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

.advantage-card {
    padding: 36px 28px;
    background: white;
    border-radius: var(--radius-lg);
    border: 1px solid var(--border);
    transition: var(--transition);
    position: relative;
    overflow: hidden;
}

.advantage-card::before {
    content: '';
    position: absolute;
    top: 0;
    right: 0;
    width: 100%;
    height: 4px;
    background: linear-gradient(135deg, var(--primary) 0%, var(--turquoise) 100%);
    transform: scaleX(0);
    transform-origin: right;
    transition: var(--transition);
}

.advantage-card:hover {
    transform: translateY(-6px);
    box-shadow: var(--shadow-lg);
    border-color: transparent;
}

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

.advantage-icon {
    width: 64px;
    height: 64px;
    border-radius: var(--radius-md);
    background: linear-gradient(135deg, rgba(26, 68, 128, 0.1) 0%, rgba(20, 184, 166, 0.1) 100%);
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 24px;
    color: var(--primary);
    transition: var(--transition);
}

/* Unique color per advantage card */
.advantages-grid .advantage-card:nth-child(1) .advantage-icon {
    background: linear-gradient(135deg, #dbeafe 0%, #bfdbfe 100%);
    color: #1a4480;
}
.advantages-grid .advantage-card:nth-child(2) .advantage-icon {
    background: linear-gradient(135deg, #ccfbf1 0%, #99f6e4 100%);
    color: #0f766e;
}
.advantages-grid .advantage-card:nth-child(3) .advantage-icon {
    background: linear-gradient(135deg, #fef3c7 0%, #fde68a 100%);
    color: #b45309;
}
.advantages-grid .advantage-card:nth-child(4) .advantage-icon {
    background: linear-gradient(135deg, #fce7f3 0%, #fbcfe8 100%);
    color: #be185d;
}

.advantages-grid .advantage-card:nth-child(1)::before {
    background: linear-gradient(135deg, #1a4480 0%, #2d5fb3 100%);
}
.advantages-grid .advantage-card:nth-child(2)::before {
    background: linear-gradient(135deg, #14b8a6 0%, #0f766e 100%);
}
.advantages-grid .advantage-card:nth-child(3)::before {
    background: linear-gradient(135deg, #f59e0b 0%, #b45309 100%);
}
.advantages-grid .advantage-card:nth-child(4)::before {
    background: linear-gradient(135deg, #ec4899 0%, #be185d 100%);
}

.advantage-card:hover .advantage-icon {
    transform: rotate(-8deg) scale(1.1);
    box-shadow: 0 8px 20px rgba(0,0,0,0.12);
}

.advantage-icon svg {
    width: 32px;
    height: 32px;
}

.advantage-card h3 {
    font-size: 20px;
    font-weight: 700;
    color: var(--primary-dark);
    margin-bottom: 12px;
}

.advantage-card p {
    font-size: 15px;
    line-height: 1.7;
    color: var(--text-medium);
}

/* ===========================
   Services Sections
   =========================== */
.services-section {
    padding: 60px 0;
}

.insurance-section {
    background: linear-gradient(180deg, var(--bg-light) 0%, white 100%);
}

.savings-section {
    background: white;
}

.loans-section {
    background: linear-gradient(135deg, var(--primary-dark) 0%, var(--primary) 100%);
    color: white;
    position: relative;
    overflow: hidden;
}

.loans-section::before {
    content: '';
    position: absolute;
    top: -100px;
    left: -100px;
    width: 400px;
    height: 400px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(20, 184, 166, 0.15) 0%, transparent 70%);
}

.loans-section::after {
    content: '';
    position: absolute;
    bottom: -100px;
    right: -100px;
    width: 400px;
    height: 400px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(212, 175, 55, 0.1) 0%, transparent 70%);
}

.loans-section .container {
    position: relative;
    z-index: 1;
}

.loans-section .section-tag {
    background: rgba(212, 175, 55, 0.2);
    color: var(--gold-light);
}

.loans-section .section-title {
    color: white;
}

.loans-section .section-subtitle {
    color: rgba(255, 255, 255, 0.8);
}

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

.services-grid-loans {
    grid-template-columns: repeat(3, 1fr);
}

.service-card {
    padding: 36px 28px;
    background: white;
    border-radius: var(--radius-lg);
    border: 1px solid var(--border);
    transition: var(--transition);
    display: flex;
    flex-direction: column;
    position: relative;
    overflow: hidden;
}

.service-card:hover {
    transform: translateY(-6px);
    box-shadow: var(--shadow-lg);
    border-color: var(--primary);
}

.service-card-imaged {
    padding: 0;
}

.service-card-image {
    position: relative;
    width: 100%;
    aspect-ratio: 16 / 10;
    overflow: hidden;
    background: var(--bg-light);
}

.service-card-image img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    transition: transform 0.6s ease;
}

.service-card-imaged:hover .service-card-image img {
    transform: scale(1.08);
}

.service-card-image::after {
    content: '';
    position: absolute;
    inset: 0;
    background: linear-gradient(180deg, transparent 55%, rgba(10, 37, 64, 0.35) 100%);
    pointer-events: none;
    transition: var(--transition);
}

/* Unique color theme per insurance card */
.card-color-blue .service-card-image::after {
    background: linear-gradient(180deg, rgba(26, 68, 128, 0.15) 0%, rgba(45, 95, 179, 0.4) 100%);
}

.card-color-teal .service-card-image::after {
    background: linear-gradient(180deg, rgba(20, 184, 166, 0.15) 0%, rgba(0, 184, 148, 0.45) 100%);
}

.card-color-pink .service-card-image::after {
    background: linear-gradient(180deg, rgba(247, 107, 138, 0.15) 0%, rgba(232, 85, 120, 0.4) 100%);
}

.card-color-purple .service-card-image::after {
    background: linear-gradient(180deg, rgba(139, 92, 246, 0.15) 0%, rgba(124, 58, 237, 0.4) 100%);
}

.card-color-orange .service-card-image::after {
    background: linear-gradient(180deg, rgba(251, 146, 60, 0.15) 0%, rgba(234, 88, 12, 0.4) 100%);
}

.card-color-gold .service-card-image::after {
    background: linear-gradient(180deg, rgba(212, 175, 55, 0.15) 0%, rgba(245, 158, 11, 0.4) 100%);
}

/* Colored top border on cards */
.card-color-blue { border-top: 4px solid #1a4480; }
.card-color-teal { border-top: 4px solid #14b8a6; }
.card-color-pink { border-top: 4px solid #f76b8a; }
.card-color-purple { border-top: 4px solid #8b5cf6; }
.card-color-orange { border-top: 4px solid #fb923c; }
.card-color-gold { border-top: 4px solid #d4af37; }

/* Colored floating icon backgrounds */
.card-color-blue .service-icon.service-icon-floating { background: linear-gradient(135deg, #1a4480 0%, #2d5fb3 100%); color: white; }
.card-color-teal .service-icon.service-icon-floating { background: linear-gradient(135deg, #14b8a6 0%, #00b894 100%); color: white; }
.card-color-pink .service-icon.service-icon-floating { background: linear-gradient(135deg, #f76b8a 0%, #e85578 100%); color: white; }
.card-color-purple .service-icon.service-icon-floating { background: linear-gradient(135deg, #8b5cf6 0%, #7c3aed 100%); color: white; }
.card-color-orange .service-icon.service-icon-floating { background: linear-gradient(135deg, #fb923c 0%, #ea580c 100%); color: white; }
.card-color-gold .service-icon.service-icon-floating { background: linear-gradient(135deg, #d4af37 0%, #f59e0b 100%); color: white; }

/* Colored hover effects */
.service-card-imaged.card-color-blue:hover { border-color: #1a4480; }
.service-card-imaged.card-color-teal:hover { border-color: #14b8a6; }
.service-card-imaged.card-color-pink:hover { border-color: #f76b8a; }
.service-card-imaged.card-color-purple:hover { border-color: #8b5cf6; }
.service-card-imaged.card-color-orange:hover { border-color: #fb923c; }
.service-card-imaged.card-color-gold:hover { border-color: #d4af37; }

/* Bigger colored hover effect on title */
.service-card-imaged.card-color-blue:hover h3 { color: #1a4480; }
.service-card-imaged.card-color-teal:hover h3 { color: #14b8a6; }
.service-card-imaged.card-color-pink:hover h3 { color: #e85578; }
.service-card-imaged.card-color-purple:hover h3 { color: #7c3aed; }
.service-card-imaged.card-color-orange:hover h3 { color: #ea580c; }
.service-card-imaged.card-color-gold:hover h3 { color: #b08820; }

/* Colored service-link per card */
.card-color-blue .service-link:hover { background: #1a4480; color: white; }
.card-color-teal .service-link:hover { background: #14b8a6; color: white; }
.card-color-pink .service-link:hover { background: #f76b8a; color: white; }
.card-color-purple .service-link:hover { background: #8b5cf6; color: white; }
.card-color-orange .service-link:hover { background: #fb923c; color: white; }
.card-color-gold .service-link:hover { background: #d4af37; color: var(--primary-dark); }

.service-icon.service-icon-floating {
    align-self: flex-start;
    margin: -28px 28px 0 0;
    background: white;
    color: var(--primary);
    border-radius: var(--radius-md);
    box-shadow: 0 8px 20px rgba(10, 37, 64, 0.18);
    z-index: 2;
    position: relative;
}

.service-card-imaged:hover .service-icon-floating {
    transform: translateY(-4px) rotate(-6deg);
    box-shadow: 0 14px 32px rgba(10, 37, 64, 0.28);
}

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

.service-card-imaged:hover .service-card-image::after {
    opacity: 0.7;
}

.service-card-body {
    padding: 18px 28px 28px;
    display: flex;
    flex-direction: column;
    flex: 1;
}

.service-card-light {
    background: var(--bg-light);
    border-color: transparent;
}

.service-card-light:hover {
    background: white;
}

/* Unique colors for savings cards */
.savings-section .services-grid .service-card-light:nth-child(1) .service-icon {
    background: linear-gradient(135deg, #dbeafe 0%, #bfdbfe 100%);
    color: #1e40af;
}
.savings-section .services-grid .service-card-light:nth-child(2) .service-icon {
    background: linear-gradient(135deg, #ccfbf1 0%, #99f6e4 100%);
    color: #0f766e;
}
.savings-section .services-grid .service-card-light:nth-child(3) .service-icon {
    background: linear-gradient(135deg, #ede9fe 0%, #ddd6fe 100%);
    color: #6d28d9;
}
.savings-section .services-grid .service-card-light:nth-child(4) .service-icon {
    background: linear-gradient(135deg, #fce7f3 0%, #fbcfe8 100%);
    color: #be185d;
}
.savings-section .services-grid .service-card-light:nth-child(5) .service-icon {
    background: linear-gradient(135deg, #fef3c7 0%, #fde68a 100%);
    color: #b45309;
}

.savings-section .service-card-light:hover .service-icon {
    transform: rotate(-6deg) scale(1.08);
}

/* Unique colors for loan cards */
.loans-section .services-grid .service-card-dark:nth-child(1) .service-icon {
    background: linear-gradient(135deg, rgba(212, 175, 55, 0.25) 0%, rgba(245, 215, 110, 0.2) 100%);
    color: #f5d76e;
}
.loans-section .services-grid .service-card-dark:nth-child(2) .service-icon {
    background: linear-gradient(135deg, rgba(20, 184, 166, 0.25) 0%, rgba(29, 209, 161, 0.2) 100%);
    color: #5eead4;
}
.loans-section .services-grid .service-card-dark:nth-child(3) .service-icon {
    background: linear-gradient(135deg, rgba(247, 107, 138, 0.25) 0%, rgba(255, 138, 157, 0.2) 100%);
    color: #fda4af;
}
.loans-section .services-grid .service-card-dark:nth-child(4) .service-icon {
    background: linear-gradient(135deg, rgba(139, 92, 246, 0.3) 0%, rgba(167, 139, 250, 0.2) 100%);
    color: #c4b5fd;
}
.loans-section .services-grid .service-card-dark:nth-child(5) .service-icon {
    background: linear-gradient(135deg, rgba(251, 146, 60, 0.3) 0%, rgba(253, 186, 116, 0.2) 100%);
    color: #fed7aa;
}

.service-card-dark {
    background: rgba(255, 255, 255, 0.08);
    border-color: rgba(255, 255, 255, 0.12);
    color: white;
    backdrop-filter: blur(8px);
}

.service-card-dark:hover {
    background: rgba(255, 255, 255, 0.12);
    border-color: var(--gold);
    transform: translateY(-6px);
    box-shadow: 0 16px 40px rgba(0, 0, 0, 0.2);
}

.service-icon {
    width: 56px;
    height: 56px;
    border-radius: var(--radius-md);
    background: linear-gradient(135deg, rgba(26, 68, 128, 0.1) 0%, rgba(20, 184, 166, 0.1) 100%);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--primary);
    margin-bottom: 20px;
    transition: var(--transition);
}

.service-card-dark .service-icon {
    background: rgba(212, 175, 55, 0.15);
    color: var(--gold-light);
}

.service-card:hover .service-icon {
    transform: scale(1.08);
}

.service-icon svg {
    width: 28px;
    height: 28px;
}

.service-card h3 {
    font-size: 20px;
    font-weight: 700;
    color: var(--primary-dark);
    margin-bottom: 12px;
}

.service-card-dark h3 {
    color: white;
}

.service-card p {
    font-size: 15px;
    line-height: 1.7;
    color: var(--text-medium);
    flex: 1;
    margin-bottom: 20px;
}

.service-card-dark p {
    color: rgba(255, 255, 255, 0.85);
}

.service-link {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    padding: 10px 18px;
    background: var(--bg-light);
    color: var(--primary);
    font-weight: 600;
    font-size: 14px;
    border-radius: var(--radius-sm);
    align-self: flex-start;
    transition: var(--transition);
}

.service-link::after {
    content: '←';
    font-size: 16px;
    transition: var(--transition);
}

.service-link:hover {
    background: var(--primary);
    color: white;
    padding: 10px 24px;
}

.service-link:hover::after {
    transform: translateX(-4px);
}

/* ===========================
   Trust Banner
   =========================== */
.trust-banner {
    position: relative;
    padding: 70px 0;
    overflow: hidden;
    color: white;
    isolation: isolate;
}

.trust-banner-image {
    position: absolute;
    inset: 0;
    z-index: -2;
}

.trust-banner-image img {
    width: 100%;
    height: 100%;
    object-fit: cover;
}

.trust-banner-overlay {
    position: absolute;
    inset: 0;
    z-index: -1;
    background: linear-gradient(135deg, rgba(10, 37, 64, 0.92) 0%, rgba(26, 68, 128, 0.88) 50%, rgba(20, 184, 166, 0.75) 100%);
}

.trust-banner-content {
    max-width: 760px;
    text-align: center;
    margin: 0 auto;
}

.trust-tag {
    background: rgba(212, 175, 55, 0.2);
    color: var(--gold-light);
}

.trust-title {
    font-size: clamp(28px, 3.8vw, 44px);
    font-weight: 800;
    line-height: 1.25;
    margin-bottom: 22px;
    letter-spacing: -0.5px;
    color: white;
}

.trust-text {
    font-size: 17px;
    line-height: 1.7;
    color: rgba(255, 255, 255, 0.9);
    margin-bottom: 32px;
    max-width: 640px;
    margin-left: auto;
    margin-right: auto;
}

.trust-stats {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
    margin-bottom: 32px;
    padding: 24px 0;
    border-top: 1px solid rgba(255, 255, 255, 0.15);
    border-bottom: 1px solid rgba(255, 255, 255, 0.15);
}

.trust-stat-number {
    font-size: clamp(28px, 3.5vw, 44px);
    font-weight: 900;
    color: var(--gold-light);
    margin-bottom: 4px;
    line-height: 1.1;
    letter-spacing: -1px;
}

.trust-stat-label {
    font-size: 14px;
    color: rgba(255, 255, 255, 0.8);
    font-weight: 500;
}

/* ===========================
   Retirement
   =========================== */
.retirement {
    padding: 60px 0;
    background: linear-gradient(180deg, white 0%, var(--bg-light) 100%);
}

.retirement-wrapper {
    display: grid;
    grid-template-columns: 1.1fr 1fr;
    gap: 60px;
    align-items: center;
}

.retirement-title {
    font-size: clamp(28px, 3.5vw, 40px);
    font-weight: 800;
    color: var(--primary-dark);
    margin-bottom: 20px;
    line-height: 1.25;
    letter-spacing: -0.5px;
}

.retirement-text {
    font-size: 17px;
    line-height: 1.8;
    color: var(--text-medium);
    margin-bottom: 32px;
}

.retirement-list {
    margin-bottom: 36px;
}

.retirement-list li {
    display: flex;
    align-items: flex-start;
    gap: 12px;
    margin-bottom: 14px;
    font-size: 16px;
    color: var(--text-dark);
    font-weight: 500;
}

.check-icon {
    width: 24px;
    height: 24px;
    border-radius: 50%;
    background: linear-gradient(135deg, var(--turquoise) 0%, var(--accent) 100%);
    color: white;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    margin-top: 3px;
}

.check-icon svg {
    width: 14px;
    height: 14px;
}

.retirement-visual {
    position: relative;
}

.retirement-graphic {
    position: relative;
    padding: 40px 30px 60px;
    min-height: 520px;
}

.graphic-circle {
    position: absolute;
    border-radius: 50%;
    opacity: 0.15;
    z-index: 0;
}

.graphic-circle-1 {
    top: 0;
    right: 0;
    width: 220px;
    height: 220px;
    background: linear-gradient(135deg, var(--primary) 0%, var(--turquoise) 100%);
}

.graphic-circle-2 {
    bottom: 0;
    left: 0;
    width: 180px;
    height: 180px;
    background: linear-gradient(135deg, var(--gold) 0%, var(--gold-light) 100%);
}

.retirement-image-frame {
    position: relative;
    width: 90%;
    max-width: 460px;
    margin: 0 auto;
    border-radius: var(--radius-xl);
    overflow: hidden;
    box-shadow: var(--shadow-xl);
    aspect-ratio: 4 / 5;
    z-index: 1;
}

.retirement-image {
    width: 100%;
    height: 100%;
    object-fit: cover;
    display: block;
    transition: transform 8s ease;
}

.retirement-image-frame:hover .retirement-image {
    transform: scale(1.05);
}

.graphic-card {
    background: white;
    padding: 24px;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-xl);
    border: 1px solid var(--border);
}

.retirement-overlay-card {
    position: absolute;
    bottom: 30px;
    left: -20px;
    width: 280px;
    z-index: 2;
    padding: 22px;
    animation: floatCard 7s ease-in-out infinite;
}

.graphic-card-header {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 28px;
    padding-bottom: 16px;
    border-bottom: 1px solid var(--border);
}

.graphic-card-title {
    font-size: 18px;
    font-weight: 700;
    color: var(--primary-dark);
}

.graphic-card-badge {
    padding: 4px 12px;
    background: linear-gradient(135deg, var(--primary) 0%, var(--turquoise) 100%);
    color: white;
    font-size: 12px;
    font-weight: 700;
    border-radius: 100px;
    letter-spacing: 1px;
}

.graphic-bar {
    margin-bottom: 20px;
}

.bar-label {
    display: block;
    font-size: 14px;
    font-weight: 600;
    color: var(--text-medium);
    margin-bottom: 8px;
}

.bar-track {
    height: 8px;
    background: var(--bg-gray);
    border-radius: 100px;
    overflow: hidden;
}

.bar-fill {
    height: 100%;
    background: linear-gradient(135deg, var(--primary) 0%, var(--turquoise) 100%);
    border-radius: 100px;
    width: 0;
    transition: width 1.2s cubic-bezier(0.4, 0, 0.2, 1);
}

.bar-fill.animated {
    width: var(--width, 0%);
}

/* ===========================
   Contact Form
   =========================== */
.contact {
    padding: 60px 0;
    background: linear-gradient(135deg, var(--primary-dark) 0%, var(--primary) 100%);
    color: white;
    position: relative;
    overflow: hidden;
}

.contact::before {
    content: '';
    position: absolute;
    top: -150px;
    left: -150px;
    width: 500px;
    height: 500px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(20, 184, 166, 0.15) 0%, transparent 70%);
}

.contact::after {
    content: '';
    position: absolute;
    bottom: -150px;
    right: -150px;
    width: 500px;
    height: 500px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(212, 175, 55, 0.1) 0%, transparent 70%);
}

.contact .container {
    position: relative;
    z-index: 1;
}

.contact-wrapper {
    display: grid;
    grid-template-columns: 1fr 1.2fr;
    gap: 60px;
    align-items: start;
}

.contact-info {
    padding-top: 20px;
}

.contact-info .section-tag {
    background: rgba(212, 175, 55, 0.2);
    color: var(--gold-light);
}

.contact-title {
    font-size: clamp(28px, 3.5vw, 42px);
    font-weight: 800;
    color: white;
    margin-bottom: 20px;
    line-height: 1.25;
    letter-spacing: -0.5px;
}

.contact-subtitle {
    font-size: 17px;
    line-height: 1.8;
    color: rgba(255, 255, 255, 0.85);
    margin-bottom: 40px;
}

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

.contact-feature {
    display: flex;
    align-items: center;
    gap: 16px;
}

.feature-icon {
    width: 48px;
    height: 48px;
    border-radius: var(--radius-md);
    background: rgba(255, 255, 255, 0.1);
    color: var(--gold-light);
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    border: 1px solid rgba(255, 255, 255, 0.15);
}

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

.feature-title {
    font-size: 16px;
    font-weight: 700;
    color: white;
}

.feature-text {
    font-size: 14px;
    color: rgba(255, 255, 255, 0.7);
}

.contact-form-wrapper {
    background: white;
    padding: 40px;
    border-radius: var(--radius-xl);
    box-shadow: var(--shadow-xl);
    position: relative;
}

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

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

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

.form-group label {
    font-size: 14px;
    font-weight: 600;
    color: var(--text-dark);
    margin-bottom: 8px;
}

.required {
    color: #e53e3e;
}

.form-group input,
.form-group select,
.form-group textarea {
    width: 100%;
    padding: 14px 16px;
    font-family: inherit;
    font-size: 15px;
    color: var(--text-dark);
    background: var(--bg-light);
    border: 2px solid transparent;
    border-radius: var(--radius-sm);
    transition: var(--transition);
    direction: rtl;
}

.form-group input::placeholder,
.form-group textarea::placeholder {
    color: var(--text-light);
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
    outline: none;
    background: white;
    border-color: var(--primary);
    box-shadow: 0 0 0 4px rgba(26, 68, 128, 0.08);
}

.form-group select {
    cursor: pointer;
    appearance: none;
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8' fill='none'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%234a5568' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");
    background-repeat: no-repeat;
    background-position: left 16px center;
    padding-left: 40px;
}

.form-group textarea {
    resize: vertical;
    min-height: 100px;
    font-family: inherit;
}

.form-group input.error,
.form-group select.error,
.form-group textarea.error {
    border-color: #e53e3e;
    background: #fff5f5;
}

.error-msg {
    display: block;
    font-size: 13px;
    color: #e53e3e;
    margin-top: 6px;
    min-height: 18px;
}

.form-checkbox {
    display: flex;
    align-items: flex-start;
    gap: 10px;
    padding: 14px 16px;
    background: var(--bg-light);
    border-radius: var(--radius-sm);
    border: 2px solid transparent;
    transition: var(--transition);
    position: relative;
}

.form-checkbox input[type="checkbox"] {
    width: 18px;
    height: 18px;
    margin-top: 3px;
    cursor: pointer;
    accent-color: var(--primary);
    flex-shrink: 0;
}

.form-checkbox label {
    font-size: 14px;
    color: var(--text-medium);
    line-height: 1.6;
    cursor: pointer;
    margin: 0;
    font-weight: 400;
}

.form-checkbox.error {
    border-color: #e53e3e;
    background: #fff5f5;
}

.form-checkbox .error-msg {
    position: absolute;
    bottom: -22px;
    right: 16px;
}

.btn-submit {
    margin-top: 10px;
    width: 100%;
    padding: 18px;
    font-size: 17px;
    background: linear-gradient(135deg, var(--primary-dark) 0%, var(--primary-light) 100%);
}

.btn-submit svg {
    width: 18px;
    height: 18px;
    transition: var(--transition);
}

.btn-submit:hover svg {
    transform: translateX(-4px);
}

.btn-submit.loading {
    pointer-events: none;
    opacity: 0.8;
}

.btn-submit.loading span {
    opacity: 0;
}

.btn-submit.loading::after {
    content: '';
    position: absolute;
    width: 22px;
    height: 22px;
    border: 3px solid rgba(255, 255, 255, 0.3);
    border-top-color: white;
    border-radius: 50%;
    animation: spin 0.8s linear infinite;
}

@keyframes spin {
    to { transform: rotate(360deg); }
}

.success-message {
    display: none;
    text-align: center;
    padding: 60px 30px;
    animation: fadeInUp 0.5s ease;
}

.success-message.show {
    display: block;
}

.success-icon {
    width: 80px;
    height: 80px;
    border-radius: 50%;
    background: linear-gradient(135deg, var(--turquoise) 0%, var(--accent) 100%);
    color: white;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 24px;
    animation: scaleIn 0.6s cubic-bezier(0.4, 0, 0.2, 1);
}

.success-icon svg {
    width: 40px;
    height: 40px;
}

.success-message h3 {
    font-size: 26px;
    font-weight: 800;
    color: var(--primary-dark);
    margin-bottom: 12px;
}

.success-message p {
    font-size: 16px;
    color: var(--text-medium);
    line-height: 1.7;
}

@keyframes fadeInUp {
    from { opacity: 0; transform: translateY(20px); }
    to { opacity: 1; transform: translateY(0); }
}

@keyframes scaleIn {
    from { transform: scale(0); }
    to { transform: scale(1); }
}

/* ===========================
   Footer
   =========================== */
.footer {
    background: #060e1c;
    color: rgba(255, 255, 255, 0.7);
    padding: 80px 0 30px;
}

.footer-grid {
    display: grid;
    grid-template-columns: 1.5fr 1fr 1fr 1.2fr;
    gap: 50px;
    margin-bottom: 60px;
}

.footer-col-brand {
    max-width: 360px;
}

.footer-logo {
    font-size: 32px;
    font-weight: 900;
    color: white;
    margin-bottom: 16px;
    display: flex;
    align-items: center;
    gap: 6px;
}

.footer-logo .logo-text {
    background: linear-gradient(135deg, white 0%, var(--turquoise) 100%);
    -webkit-background-clip: text;
    background-clip: text;
    -webkit-text-fill-color: transparent;
}

.footer-tagline {
    font-size: 15px;
    line-height: 1.7;
    margin-bottom: 24px;
    color: rgba(255, 255, 255, 0.6);
}

.footer-social {
    display: flex;
    gap: 10px;
}

.footer-social a {
    width: 40px;
    height: 40px;
    border-radius: var(--radius-sm);
    background: rgba(255, 255, 255, 0.08);
    color: rgba(255, 255, 255, 0.8);
    display: flex;
    align-items: center;
    justify-content: center;
    transition: var(--transition);
}

.footer-social a:hover {
    background: var(--primary);
    color: white;
    transform: translateY(-3px);
}

.footer-social svg {
    width: 18px;
    height: 18px;
}

.footer-col h4 {
    color: white;
    font-size: 16px;
    font-weight: 700;
    margin-bottom: 20px;
}

.footer-links li {
    margin-bottom: 10px;
}

.footer-links a {
    font-size: 14px;
    color: rgba(255, 255, 255, 0.6);
    transition: var(--transition);
    position: relative;
}

.footer-links a::before {
    content: '←';
    position: absolute;
    right: -16px;
    opacity: 0;
    transition: var(--transition);
}

.footer-links a:hover {
    color: var(--gold-light);
    padding-right: 4px;
}

.footer-links a:hover::before {
    opacity: 1;
    right: -12px;
}

.footer-agent {
    padding: 12px 14px;
    background: rgba(212, 175, 55, 0.08);
    border: 1px solid rgba(212, 175, 55, 0.2);
    border-radius: var(--radius-sm);
    margin-bottom: 18px;
}

.agent-name {
    font-size: 15px;
    font-weight: 700;
    color: var(--gold-light);
    margin-bottom: 2px;
}

.agent-title {
    font-size: 12px;
    color: rgba(255, 255, 255, 0.65);
    letter-spacing: 0.5px;
}

.footer-contact li {
    display: flex;
    align-items: center;
    gap: 10px;
    margin-bottom: 12px;
    font-size: 14px;
    color: rgba(255, 255, 255, 0.7);
}

.footer-contact svg {
    width: 18px;
    height: 18px;
    color: var(--gold);
    flex-shrink: 0;
}

.footer-contact a:hover {
    color: var(--gold-light);
}

.footer-bottom {
    padding-top: 30px;
    border-top: 1px solid rgba(255, 255, 255, 0.08);
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 12px;
    text-align: center;
}

.footer-bottom p {
    font-size: 14px;
    color: rgba(255, 255, 255, 0.5);
}

.footer-disclaimer {
    font-size: 12px !important;
    color: rgba(255, 255, 255, 0.4) !important;
    max-width: 800px;
    line-height: 1.6;
}

/* ===========================
   Floating CTA
   =========================== */
.floating-cta {
    position: fixed;
    bottom: 24px;
    left: 24px;
    display: none;
    align-items: center;
    gap: 8px;
    padding: 14px 20px;
    background: linear-gradient(135deg, var(--primary) 0%, var(--primary-light) 100%);
    color: white;
    font-weight: 600;
    font-size: 15px;
    border-radius: 100px;
    box-shadow: 0 8px 24px rgba(26, 68, 128, 0.4);
    z-index: 100;
    transition: var(--transition);
}

.floating-cta:hover {
    transform: translateY(-3px) scale(1.02);
    box-shadow: 0 12px 32px rgba(26, 68, 128, 0.5);
}

.floating-cta svg {
    width: 18px;
    height: 18px;
}

.floating-cta.visible {
    display: inline-flex;
    animation: slideInUp 0.4s ease;
}

@keyframes slideInUp {
    from { opacity: 0; transform: translateY(20px); }
    to { opacity: 1; transform: translateY(0); }
}

/* ===========================
   Floating WhatsApp Button
   =========================== */
.floating-whatsapp {
    position: fixed;
    bottom: 24px;
    right: 24px;
    width: 60px;
    height: 60px;
    border-radius: 50%;
    background: linear-gradient(135deg, #25d366 0%, #128c7e 100%);
    color: white;
    display: flex;
    align-items: center;
    justify-content: center;
    box-shadow: 0 8px 24px rgba(37, 211, 102, 0.4);
    z-index: 100;
    transition: var(--transition);
    animation: whatsappPulse 2.5s ease-in-out infinite;
}

.floating-whatsapp::before {
    content: '';
    position: absolute;
    inset: -6px;
    border-radius: 50%;
    background: rgba(37, 211, 102, 0.4);
    z-index: -1;
    animation: whatsappRipple 2.5s ease-out infinite;
}

.floating-whatsapp svg {
    width: 32px;
    height: 32px;
}

.floating-whatsapp:hover {
    transform: scale(1.1);
    box-shadow: 0 12px 32px rgba(37, 211, 102, 0.55);
}

.floating-whatsapp:hover::before {
    animation-play-state: paused;
}

@keyframes whatsappPulse {
    0%, 100% { box-shadow: 0 8px 24px rgba(37, 211, 102, 0.4); }
    50% { box-shadow: 0 8px 24px rgba(37, 211, 102, 0.7), 0 0 0 12px rgba(37, 211, 102, 0.15); }
}

@keyframes whatsappRipple {
    0% { transform: scale(1); opacity: 0.6; }
    100% { transform: scale(1.5); opacity: 0; }
}

/* ===========================
   Accessibility Widget
   =========================== */
.a11y-toggle {
    position: fixed;
    bottom: 96px;
    right: 24px;
    width: 56px;
    height: 56px;
    border-radius: 50%;
    background: linear-gradient(135deg, #1d4ed8 0%, #2563eb 100%);
    color: white;
    display: flex;
    align-items: center;
    justify-content: center;
    box-shadow: 0 8px 24px rgba(29, 78, 216, 0.4);
    z-index: 100;
    transition: var(--transition);
    border: 3px solid white;
}

.a11y-toggle:hover,
.a11y-toggle:focus-visible {
    transform: scale(1.08);
    box-shadow: 0 12px 32px rgba(29, 78, 216, 0.55);
    outline: none;
}

.a11y-toggle svg {
    width: 30px;
    height: 30px;
}

.a11y-panel {
    position: fixed;
    bottom: 96px;
    right: 90px;
    width: 320px;
    max-height: 540px;
    background: white;
    border-radius: var(--radius-lg);
    box-shadow: 0 20px 60px rgba(10, 37, 64, 0.25);
    z-index: 101;
    overflow: hidden;
    display: flex;
    flex-direction: column;
    animation: a11yPanelIn 0.3s cubic-bezier(0.4, 0, 0.2, 1);
    border: 1px solid var(--border);
}

.a11y-panel[hidden] {
    display: none;
}

@keyframes a11yPanelIn {
    from { opacity: 0; transform: translateY(20px) scale(0.96); }
    to { opacity: 1; transform: translateY(0) scale(1); }
}

.a11y-panel-header {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 18px 22px;
    background: linear-gradient(135deg, #1d4ed8 0%, #2563eb 100%);
    color: white;
}

.a11y-panel-header h3 {
    font-size: 17px;
    font-weight: 700;
    margin: 0;
}

.a11y-close {
    width: 32px;
    height: 32px;
    border-radius: 50%;
    background: rgba(255, 255, 255, 0.2);
    color: white;
    font-size: 22px;
    line-height: 1;
    display: flex;
    align-items: center;
    justify-content: center;
    transition: var(--transition);
    padding-bottom: 3px;
}

.a11y-close:hover,
.a11y-close:focus-visible {
    background: rgba(255, 255, 255, 0.35);
    outline: none;
}

.a11y-options {
    padding: 14px;
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 8px;
    overflow-y: auto;
    flex: 1;
}

.a11y-option {
    display: flex;
    align-items: center;
    gap: 8px;
    padding: 12px 10px;
    background: var(--bg-light);
    border: 2px solid transparent;
    border-radius: var(--radius-sm);
    font-size: 13px;
    font-weight: 500;
    color: var(--text-dark);
    text-align: right;
    transition: var(--transition);
    cursor: pointer;
}

.a11y-option:hover,
.a11y-option:focus-visible {
    background: white;
    border-color: var(--primary);
    outline: none;
}

.a11y-option.active {
    background: linear-gradient(135deg, #1d4ed8 0%, #2563eb 100%);
    color: white;
    border-color: #2563eb;
}

.a11y-icon {
    display: flex;
    align-items: center;
    justify-content: center;
    width: 28px;
    height: 28px;
    border-radius: 6px;
    background: white;
    color: var(--primary);
    font-weight: 700;
    font-size: 14px;
    flex-shrink: 0;
}

.a11y-option.active .a11y-icon {
    background: rgba(255, 255, 255, 0.2);
    color: white;
}

.a11y-option-reset {
    grid-column: 1 / -1;
    justify-content: center;
    background: #fef2f2;
    color: #dc2626;
}

.a11y-option-reset:hover {
    background: #dc2626;
    color: white;
    border-color: #dc2626;
}

.a11y-option-reset:hover .a11y-icon {
    color: #dc2626;
}

.a11y-footer {
    padding: 12px 22px 16px;
    background: var(--bg-light);
    border-top: 1px solid var(--border);
}

.a11y-footer p {
    font-size: 11px;
    color: var(--text-light);
    line-height: 1.6;
    margin: 0;
}

.a11y-footer a {
    color: var(--primary);
    text-decoration: underline;
}

/* ===========================
   Accessibility Modes Applied to Body
   =========================== */

/* High contrast mode */
body.a11y-contrast {
    background: black !important;
}

body.a11y-contrast,
body.a11y-contrast * {
    color: yellow !important;
    background-color: black !important;
    border-color: yellow !important;
}

body.a11y-contrast img,
body.a11y-contrast svg,
body.a11y-contrast .a11y-toggle,
body.a11y-contrast .a11y-panel * {
    filter: none !important;
}

body.a11y-contrast a {
    color: cyan !important;
}

/* Dark mode */
body.a11y-dark {
    background: #0a0a0a !important;
}

body.a11y-dark,
body.a11y-dark *:not(.a11y-panel *):not(.a11y-toggle):not(.floating-whatsapp):not(.floating-cta) {
    background-color: #1a1a1a !important;
    color: #e5e5e5 !important;
}

body.a11y-dark img {
    opacity: 0.85;
}

/* Highlight links */
body.a11y-links a:not(.a11y-toggle):not(.floating-cta):not(.floating-whatsapp):not(.btn) {
    text-decoration: underline !important;
    text-decoration-thickness: 2px !important;
    text-underline-offset: 3px !important;
    color: #1d4ed8 !important;
    background: #fef3c7 !important;
    padding: 1px 4px !important;
    border-radius: 3px !important;
}

/* Readable font */
body.a11y-readable,
body.a11y-readable *:not(.a11y-icon) {
    font-family: 'Arial', 'David', sans-serif !important;
    letter-spacing: 0.5px !important;
    word-spacing: 2px !important;
    line-height: 1.9 !important;
}

/* Pause animations */
body.a11y-pause *,
body.a11y-pause *::before,
body.a11y-pause *::after {
    animation: none !important;
    transition: none !important;
}

/* Big cursor */
body.a11y-cursor,
body.a11y-cursor * {
    cursor: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' width='48' height='48' viewBox='0 0 24 24'><path fill='black' stroke='white' stroke-width='1' d='M5.5 3.21V20.8c0 .45.54.67.85.35l4.86-4.86 2.46 5.83c.12.28.45.41.74.28l1.83-.78c.29-.13.42-.46.29-.74L13.99 15h6.69c.45 0 .67-.54.35-.85l-14.7-14.7C5.99 0 5.5 0 5.5.21z'/></svg>") 0 0, auto !important;
}

/* Font size adjustments */
body.a11y-font-1 { font-size: 17px; }
body.a11y-font-2 { font-size: 19px; }
body.a11y-font-3 { font-size: 21px; }
body.a11y-font-4 { font-size: 23px; }
body.a11y-font--1 { font-size: 15px; }
body.a11y-font--2 { font-size: 14px; }

@media (max-width: 480px) {
    .a11y-panel {
        right: 12px;
        left: 12px;
        width: auto;
        bottom: 90px;
    }

    .a11y-toggle {
        bottom: 88px;
        right: 16px;
        width: 50px;
        height: 50px;
    }

    .a11y-toggle svg {
        width: 26px;
        height: 26px;
    }
}

/* ===========================
   Responsive Design
   =========================== */
@media (max-width: 1100px) {
    .hero-container {
        grid-template-columns: 1fr;
        gap: 60px;
        text-align: center;
    }

    .hero-content {
        max-width: 100%;
        margin: 0 auto;
    }

    .hero-buttons {
        justify-content: center;
    }

    .hero-stats {
        max-width: 480px;
        margin: 0 auto;
    }

    .hero-visual {
        min-height: 420px;
        max-width: 540px;
        margin: 0 auto;
        width: 100%;
    }

    .hero-image-wrap {
        min-height: 420px;
    }

    .advantages-grid {
        grid-template-columns: repeat(2, 1fr);
    }

    .services-grid,
    .services-grid-loans {
        grid-template-columns: repeat(2, 1fr);
    }

    .process-grid {
        grid-template-columns: repeat(2, 1fr);
        gap: 32px;
    }

    .process-grid::before {
        display: none;
    }

    .testimonials-grid {
        grid-template-columns: 1fr;
        gap: 24px;
        max-width: 720px;
        margin: 0 auto 48px;
    }

    .retirement-wrapper,
    .contact-wrapper {
        grid-template-columns: 1fr;
        gap: 50px;
    }

    .footer-grid {
        grid-template-columns: repeat(2, 1fr);
        gap: 40px;
    }
}

@media (max-width: 768px) {
    html {
        scroll-padding-top: 80px;
    }

    .container {
        padding: 0 20px;
    }

    .nav {
        position: fixed;
        top: 0;
        right: -100%;
        width: 85%;
        max-width: 340px;
        height: 100vh;
        background: white;
        padding: 100px 30px 40px;
        box-shadow: -10px 0 40px rgba(0, 0, 0, 0.15);
        transition: right 0.4s cubic-bezier(0.4, 0, 0.2, 1);
        overflow-y: auto;
    }

    .nav.active {
        right: 0;
    }

    .nav-list {
        flex-direction: column;
        align-items: stretch;
        gap: 4px;
    }

    .nav-link {
        display: block;
        padding: 14px 18px;
        font-size: 17px;
        font-weight: 600;
        border-radius: var(--radius-sm);
    }

    .hamburger {
        display: flex;
    }

    .btn-header {
        display: none;
    }

    .header-container {
        height: 70px;
    }

    body.nav-open {
        overflow: hidden;
    }

    body.nav-open::before {
        content: '';
        position: fixed;
        inset: 0;
        background: rgba(10, 37, 64, 0.5);
        backdrop-filter: blur(4px);
        z-index: 999;
        animation: fadeIn 0.3s ease;
    }

    @keyframes fadeIn {
        from { opacity: 0; }
        to { opacity: 1; }
    }

    .hero {
        padding: 100px 0 50px;
        min-height: auto;
    }

    .hero-title {
        font-size: 32px;
    }

    .hero-divider {
        display: block;
        margin: 8px 0;
    }

    .hero-text {
        font-size: 16px;
    }

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

    .hero-buttons .btn {
        width: 100%;
    }

    .hero-stats {
        grid-template-columns: repeat(3, 1fr);
        gap: 12px;
    }

    .stat-number {
        font-size: 26px;
    }

    .stat-label {
        font-size: 12px;
    }

    .hero-overlay-card {
        padding: 14px 16px;
        gap: 10px;
    }

    .hero-overlay-card-1 {
        left: 8px;
        top: 16px;
    }

    .hero-overlay-card-2 {
        right: 8px;
        bottom: 20px;
    }

    .overlay-card-icon {
        width: 36px;
        height: 36px;
    }

    .overlay-card-title,
    .overlay-card-value {
        font-size: 14px;
    }

    .overlay-card-text {
        font-size: 11px;
    }

    .hero-dot-1,
    .hero-dot-2 {
        display: none;
    }

    .trust-banner {
        padding: 70px 0;
    }

    .trust-stats {
        grid-template-columns: 1fr;
        gap: 20px;
        padding: 24px 0;
        margin-bottom: 32px;
    }

    .retirement-graphic {
        padding: 20px 0;
        min-height: auto;
    }

    .retirement-image-frame {
        max-width: 360px;
    }

    .retirement-overlay-card {
        position: relative;
        left: auto;
        bottom: auto;
        margin: -50px auto 0;
        width: 92%;
        max-width: 340px;
        animation: none;
    }

    .advantages,
    .services-section,
    .retirement,
    .contact {
        padding: 48px 0;
    }

    .section-header {
        margin-bottom: 48px;
    }

    .advantages-grid,
    .services-grid,
    .services-grid-loans {
        grid-template-columns: 1fr;
        gap: 20px;
    }

    .process-grid {
        grid-template-columns: 1fr;
        gap: 32px;
    }

    .process-grid::before {
        display: none;
    }

    .testimonials-grid {
        grid-template-columns: 1fr;
        gap: 20px;
    }

    .how-it-works,
    .testimonials {
        padding: 48px 0;
    }

    .partners-strip {
        padding: 24px 0 20px;
    }

    .partner-logo {
        font-size: 15px;
        padding: 10px 18px;
    }

    .partners-track {
        gap: 30px;
    }

    .wave-divider svg {
        height: 50px;
    }

    .floating-shape {
        opacity: 0.25;
    }

    .contact-form-wrapper {
        padding: 28px 20px;
    }

    .form-row {
        grid-template-columns: 1fr;
        gap: 16px;
    }

    .footer-grid {
        grid-template-columns: 1fr;
        gap: 36px;
    }

    .footer {
        padding: 60px 0 30px;
    }

    .floating-cta {
        bottom: 16px;
        left: 16px;
        padding: 12px 18px;
        font-size: 14px;
    }

    .retirement-graphic {
        padding: 20px 0;
    }

    .graphic-circle-1 {
        width: 140px;
        height: 140px;
    }

    .graphic-circle-2 {
        width: 120px;
        height: 120px;
    }
}

@media (max-width: 480px) {
    .hero-title {
        font-size: 28px;
    }

    .section-title {
        font-size: 26px;
    }

    .retirement-title,
    .contact-title {
        font-size: 26px;
    }

    .btn-large {
        padding: 16px 24px;
        font-size: 15px;
    }
}