/* ==========================================================================
   LUCRUM MORTGAGE SOLUTIONS LIMITED - LUXURY STYLESHEET
   Industry Standard CSS3 with Custom Design System & Responsive Utilities
   ========================================================================== */

/* --------------------------------------------------------------------------
   1. DESIGN SYSTEM & CSS VARIABLES
   -------------------------------------------------------------------------- */
:root {
    /* Brand Primary Palette */
    --color-navy-dark: #070D19;
    --color-navy-main: #0C182A;
    --color-navy-light: #13243F;
    --color-navy-card: #182C4D;

    /* Brand Secondary Palette (Emerald Growth) */
    --color-emerald-dark: #08332A;
    --color-emerald-main: #0E4A3E;
    --color-emerald-light: #166E5D;

    /* Brand Gold Accent (Champagne Gold Gradients) */
    --color-gold-main: #D4AF37;
    --color-gold-light: #F4D068;
    --color-gold-dark: #AA821C;
    --gradient-gold: linear-gradient(135deg, #F4D068 0%, #D4AF37 50%, #B88E20 100%);
    --gradient-gold-hover: linear-gradient(135deg, #FFF09E 0%, #E5BE42 50%, #C49B28 100%);
    --gradient-navy-dark: linear-gradient(180deg, #070D19 0%, #0C182A 100%);

    /* Neutral & Contextual Colors */
    --color-bg-light: #F8FAFC;
    --color-surface-white: #FFFFFF;
    --color-text-dark: #0F172A;
    --color-text-muted: #64748B;
    --color-text-light: #E2E8F0;
    --color-border-dark: rgba(212, 175, 55, 0.2);
    --color-border-light: #E2E8F0;
    
    --color-danger: #EF4444;
    --color-success: #10B981;

    /* Typography */
    --font-heading: 'Cinzel', serif;
    --font-body: 'Plus Jakarta Sans', sans-serif;

    /* Shadows & Transitions */
    --shadow-sm: 0 2px 4px rgba(0, 0, 0, 0.05);
    --shadow-md: 0 4px 20px rgba(0, 0, 0, 0.08);
    --shadow-lg: 0 10px 30px rgba(0, 0, 0, 0.15);
    --shadow-gold-glow: 0 0 25px rgba(212, 175, 55, 0.3);
    
    --transition-fast: all 0.2s cubic-bezier(0.4, 0, 0.2, 1);
    --transition-normal: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);

    --radius-sm: 6px;
    --radius-md: 12px;
    --radius-lg: 20px;
    --radius-full: 9999px;
}

/* --------------------------------------------------------------------------
   2. BASE RESET & GENERAL 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-light);
    color: var(--color-text-dark);
    line-height: 1.6;
    overflow-x: hidden;
    -webkit-font-smoothing: antialiased;
}

h1, h2, h3, h4, h5, h6 {
    font-family: var(--font-heading);
    font-weight: 700;
    line-height: 1.25;
    color: var(--color-navy-main);
}

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

ul {
    list-style: none;
}

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

/* Helper Utilities */
.container {
    width: 100%;
    max-width: 1280px;
    margin: 0 auto;
    padding: 0 1.5rem;
}

.container-fluid {
    width: 100%;
    max-width: 100%;
    margin: 0 auto;
    padding: 0 3.5rem;
}

@media (max-width: 1400px) {
    .container-fluid {
        padding: 0 2rem;
    }
}

@media (max-width: 768px) {
    .container-fluid {
        padding: 0 1.25rem;
    }
}

.max-width-800 {
    max-width: 800px;
    margin: 0 auto;
}

.text-center { text-align: center; }
.text-gold { color: var(--color-gold-main) !important; }
.text-emerald { color: var(--color-emerald-light) !important; }
.text-light { color: var(--color-text-light) !important; }
.text-danger { color: var(--color-danger) !important; }

.text-gold-gradient {
    background: var(--gradient-gold);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    display: inline-block;
}

.gold-icon {
    color: var(--color-gold-main);
}

/* Buttons */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 0.6rem;
    padding: 0.85rem 1.75rem;
    font-family: var(--font-body);
    font-size: 0.95rem;
    font-weight: 700;
    border-radius: var(--radius-sm);
    border: none;
    cursor: pointer;
    transition: var(--transition-normal);
    white-space: nowrap;
    box-shadow: var(--shadow-sm);
}

.btn-lg {
    padding: 1.1rem 2.25rem;
    font-size: 1.05rem;
}

.btn-block {
    width: 100%;
}

.btn-gold {
    background: var(--gradient-gold);
    color: var(--color-navy-dark);
    box-shadow: var(--shadow-gold-glow);
}

.btn-gold:hover {
    background: var(--gradient-gold-hover);
    transform: translateY(-2px);
    box-shadow: 0 8px 25px rgba(212, 175, 55, 0.45);
}

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

.btn-outline-light:hover {
    background: rgba(255, 255, 255, 0.1);
    border-color: var(--color-gold-main);
    color: var(--color-gold-light);
    transform: translateY(-2px);
}

.btn-link {
    background: none;
    border: none;
    color: var(--color-gold-dark);
    font-family: var(--font-body);
    font-weight: 700;
    font-size: 0.95rem;
    cursor: pointer;
    display: inline-flex;
    align-items: center;
    gap: 0.4rem;
    padding: 0;
    transition: var(--transition-fast);
}

.btn-link:hover {
    color: var(--color-navy-main);
    gap: 0.7rem;
}

/* --------------------------------------------------------------------------
   3. TOP REGULATORY & CONTACT BAR
   -------------------------------------------------------------------------- */
.top-bar {
    background-color: var(--color-navy-dark);
    color: rgba(255, 255, 255, 0.75);
    font-size: 0.82rem;
    padding: 0.5rem 0;
    border-bottom: 1px solid rgba(212, 175, 55, 0.15);
}

.top-bar-content {
    display: flex;
    justify-content: space-between;
    align-items: center;
}

.regulatory-notice {
    display: flex;
    align-items: center;
    gap: 0.5rem;
}

.contact-quick-links {
    display: flex;
    align-items: center;
    gap: 1rem;
}

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

.divider {
    color: rgba(255, 255, 255, 0.2);
}

/* --------------------------------------------------------------------------
   4. MAIN HEADER & NAVIGATION BAR
   -------------------------------------------------------------------------- */
.main-header {
    background-color: rgba(12, 24, 42, 0.95);
    backdrop-filter: blur(12px);
    position: sticky;
    top: 0;
    z-index: 1000;
    border-bottom: 1px solid var(--color-border-dark);
    padding: 0.9rem 0;
    transition: var(--transition-normal);
}

.main-header.scrolled {
    padding: 0.6rem 0;
    box-shadow: 0 10px 30px rgba(0, 0, 0, 0.3);
}

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

/* Brand Logo */
.brand-logo {
    display: flex;
    align-items: center;
    gap: 0.8rem;
    flex-shrink: 0;
}

.logo-emblem {
    width: 42px;
    height: 42px;
    background: var(--gradient-gold);
    border-radius: var(--radius-sm);
    display: flex;
    align-items: center;
    justify-content: center;
    box-shadow: 0 0 15px rgba(212, 175, 55, 0.3);
}

.emblem-letter {
    font-family: var(--font-heading);
    font-size: 1.5rem;
    font-weight: 800;
    color: var(--color-navy-dark);
}

.logo-text {
    display: flex;
    flex-direction: column;
}

.brand-name {
    font-family: var(--font-heading);
    font-size: 1.35rem;
    font-weight: 800;
    letter-spacing: 1.5px;
    color: var(--color-surface-white);
    line-height: 1;
}

.brand-sub {
    font-size: 0.65rem;
    font-weight: 700;
    letter-spacing: 2px;
    color: var(--color-gold-main);
    margin-top: 3px;
}

/* Nav Menu */
.nav-menu {
    display: flex;
    align-items: center;
    justify-content: center;
}

.nav-menu ul {
    display: flex;
    align-items: center;
    gap: 1.4rem;
    flex-wrap: nowrap;
    list-style: none;
}

.nav-link {
    color: var(--color-text-light);
    font-size: 0.92rem;
    font-weight: 600;
    position: relative;
    padding: 0.3rem 0;
    white-space: nowrap;
    display: inline-block;
}

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

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

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

.header-actions {
    display: flex;
    align-items: center;
    gap: 0.75rem;
    flex-shrink: 0;
}

.mobile-toggle {
    display: none;
    background: transparent;
    border: 1px solid var(--color-gold-main);
    color: var(--color-gold-light);
    font-size: 1.3rem;
    padding: 0.4rem 0.75rem;
    border-radius: var(--radius-sm);
    cursor: pointer;
}

/* --------------------------------------------------------------------------
   5. HERO SECTION
   -------------------------------------------------------------------------- */
.hero-section {
    position: relative;
    background: var(--gradient-navy-dark);
    color: var(--color-surface-white);
    padding: 5rem 0 6rem 0;
    overflow: hidden;
}

.hero-bg-overlay {
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: 
        radial-gradient(circle at 20% 30%, rgba(14, 74, 62, 0.35) 0%, transparent 50%),
        radial-gradient(circle at 80% 70%, rgba(212, 175, 55, 0.15) 0%, transparent 50%);
    pointer-events: none;
}

.hero-container {
    position: relative;
    z-index: 2;
    display: grid;
    grid-template-columns: 1.2fr 0.8fr;
    gap: 3.5rem;
    align-items: center;
}

.badge-pill {
    display: inline-flex;
    align-items: center;
    gap: 0.5rem;
    padding: 0.4rem 1rem;
    background: rgba(212, 175, 55, 0.12);
    border: 1px solid rgba(212, 175, 55, 0.3);
    border-radius: var(--radius-full);
    color: var(--color-gold-light);
    font-size: 0.85rem;
    font-weight: 600;
    margin-bottom: 1.5rem;
}

.hero-title {
    font-size: 3.2rem;
    color: var(--color-surface-white);
    margin-bottom: 1.25rem;
    letter-spacing: -0.5px;
}

.hero-description {
    font-size: 1.125rem;
    color: rgba(255, 255, 255, 0.82);
    line-height: 1.7;
    margin-bottom: 2.25rem;
    max-width: 90%;
}

.hero-cta-group {
    display: flex;
    gap: 1.25rem;
    margin-bottom: 3.5rem;
}

.hero-metrics {
    display: flex;
    align-items: center;
    gap: 2rem;
    padding-top: 2rem;
    border-top: 1px solid rgba(255, 255, 255, 0.12);
}

.metric-item {
    display: flex;
    flex-direction: column;
}

.metric-number {
    font-family: var(--font-heading);
    font-size: 1.9rem;
    font-weight: 800;
    color: var(--color-gold-light);
    line-height: 1.1;
}

.metric-label {
    font-size: 0.82rem;
    color: rgba(255, 255, 255, 0.7);
    margin-top: 4px;
}

.metric-divider {
    width: 1px;
    height: 40px;
    background: rgba(255, 255, 255, 0.15);
}

/* Quick Rate Finder Widget */
.hero-widget-card {
    background: rgba(19, 36, 63, 0.85);
    backdrop-filter: blur(16px);
    border: 1px solid var(--color-border-dark);
    border-radius: var(--radius-lg);
    padding: 2.25rem;
    box-shadow: 0 20px 50px rgba(0, 0, 0, 0.4);
}

.widget-header h3 {
    color: var(--color-surface-white);
    font-size: 1.35rem;
    display: flex;
    align-items: center;
    gap: 0.5rem;
}

.widget-header p {
    font-size: 0.85rem;
    color: var(--color-text-muted);
    margin-top: 4px;
    margin-bottom: 1.5rem;
}

.quick-finder-form .form-group {
    margin-bottom: 1.25rem;
}

.form-group label {
    display: block;
    font-size: 0.85rem;
    font-weight: 600;
    color: var(--color-text-light);
    margin-bottom: 0.4rem;
}

.label-with-val {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 0.4rem;
}

.val-display {
    font-weight: 700;
    color: var(--color-gold-light);
    font-size: 0.9rem;
}

.form-control {
    width: 100%;
    padding: 0.75rem 1rem;
    background: rgba(7, 13, 25, 0.6);
    border: 1px solid rgba(212, 175, 55, 0.3);
    border-radius: var(--radius-sm);
    color: var(--color-surface-white);
    font-family: var(--font-body);
    font-size: 0.95rem;
    outline: none;
    transition: var(--transition-fast);
}

.form-control:focus {
    border-color: var(--color-gold-main);
    box-shadow: 0 0 10px rgba(212, 175, 55, 0.25);
}

.form-control option {
    background-color: var(--color-navy-main);
    color: var(--color-surface-white);
}

/* Custom Range Sliders (Full Cross-Browser Webkit & Firefox Track Support) */
input[type="range"].range-slider {
    -webkit-appearance: none;
    appearance: none;
    width: 100%;
    height: 8px;
    background: transparent;
    outline: none;
    margin: 0.85rem 0;
    cursor: pointer;
}

/* Webkit Runnable Track */
input[type="range"].range-slider::-webkit-slider-runnable-track {
    width: 100%;
    height: 8px;
    cursor: pointer;
    background: #CBD5E1;
    border-radius: 4px;
    border: 1px solid #94A3B8;
    box-shadow: inset 0 1px 3px rgba(0, 0, 0, 0.12);
    transition: var(--transition-fast);
}

.calc-inputs-pane input[type="range"].range-slider::-webkit-slider-runnable-track {
    background: #CBD5E1;
    border: 1px solid #94A3B8;
}

.calc-inputs-pane input[type="range"].range-slider:hover::-webkit-slider-runnable-track {
    background: #B0BECE;
    border-color: #64748B;
}

.hero-widget-card input[type="range"].range-slider::-webkit-slider-runnable-track {
    background: rgba(255, 255, 255, 0.3);
    border: 1px solid rgba(212, 175, 55, 0.5);
}

.hero-widget-card input[type="range"].range-slider:hover::-webkit-slider-runnable-track {
    background: rgba(255, 255, 255, 0.45);
}

/* Webkit Thumb */
input[type="range"].range-slider::-webkit-slider-thumb {
    -webkit-appearance: none;
    appearance: none;
    width: 22px;
    height: 22px;
    border-radius: 50%;
    background: var(--gradient-gold);
    cursor: pointer;
    margin-top: -7px;
    border: 2px solid #FFFFFF;
    box-shadow: 0 2px 8px rgba(0, 0, 0, 0.35), 0 0 10px rgba(212, 175, 55, 0.7);
    transition: var(--transition-fast);
}

input[type="range"].range-slider::-webkit-slider-thumb:hover {
    transform: scale(1.2);
    box-shadow: 0 4px 12px rgba(0, 0, 0, 0.4), 0 0 15px rgba(212, 175, 55, 0.9);
}

/* Firefox Track & Thumb */
input[type="range"].range-slider::-moz-range-track {
    width: 100%;
    height: 8px;
    cursor: pointer;
    background: #CBD5E1;
    border-radius: 4px;
    border: 1px solid #94A3B8;
}

.hero-widget-card input[type="range"].range-slider::-moz-range-track {
    background: rgba(255, 255, 255, 0.3);
    border: 1px solid rgba(212, 175, 55, 0.5);
}

input[type="range"].range-slider::-moz-range-thumb {
    width: 22px;
    height: 22px;
    border-radius: 50%;
    background: var(--gradient-gold);
    cursor: pointer;
    border: 2px solid #FFFFFF;
    box-shadow: 0 2px 8px rgba(0, 0, 0, 0.35), 0 0 10px rgba(212, 175, 55, 0.7);
}

.quick-calc-summary {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 1rem;
    background: rgba(7, 13, 25, 0.7);
    padding: 1rem;
    border-radius: var(--radius-sm);
    border: 1px dashed rgba(212, 175, 55, 0.3);
    margin: 1.5rem 0;
}

.summary-box {
    display: flex;
    flex-direction: column;
}

.sub-label {
    font-size: 0.75rem;
    color: var(--color-text-muted);
}

.sub-val {
    font-family: var(--font-heading);
    font-size: 1.25rem;
    font-weight: 700;
    color: var(--color-surface-white);
}

/* --------------------------------------------------------------------------
   6. LENDER STRIP
   -------------------------------------------------------------------------- */
.lenders-strip {
    background-color: var(--color-navy-dark);
    padding: 2.25rem 0;
    border-top: 1px solid rgba(255, 255, 255, 0.08);
    border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}

.strip-heading {
    text-align: center;
    font-size: 0.85rem;
    text-transform: uppercase;
    letter-spacing: 2px;
    color: var(--color-gold-light);
    margin-bottom: 1.5rem;
}

.lender-logos {
    display: flex;
    flex-wrap: wrap;
    justify-content: center;
    align-items: center;
    gap: 1.5rem 2.5rem;
}

.lender-badge {
    color: rgba(255, 255, 255, 0.7);
    font-size: 0.95rem;
    font-weight: 600;
    display: flex;
    align-items: center;
    gap: 0.5rem;
    padding: 0.5rem 1.25rem;
    background: rgba(255, 255, 255, 0.04);
    border-radius: var(--radius-sm);
    border: 1px solid rgba(255, 255, 255, 0.08);
    transition: var(--transition-fast);
}

.lender-badge:hover {
    color: var(--color-surface-white);
    border-color: var(--color-gold-main);
    transform: translateY(-2px);
}

/* --------------------------------------------------------------------------
   7. INTERACTIVE MORTGAGE CALCULATOR SECTION
   -------------------------------------------------------------------------- */
.calculator-section {
    padding: 6rem 0;
    background-color: #F1F5F9;
}

.section-header {
    margin-bottom: 3.5rem;
}

.section-subtitle {
    display: inline-block;
    font-size: 0.85rem;
    font-weight: 700;
    letter-spacing: 2px;
    text-transform: uppercase;
    color: var(--color-emerald-main);
    margin-bottom: 0.5rem;
}

.section-title {
    font-size: 2.4rem;
    margin-bottom: 1rem;
}

.section-desc {
    font-size: 1.05rem;
    color: var(--color-text-muted);
    max-width: 680px;
    margin: 0 auto;
}

.calculator-card-wrapper {
    display: grid;
    grid-template-columns: 1.1fr 0.9fr;
    background: var(--color-surface-white);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-lg);
    overflow: hidden;
    border: 1px solid var(--color-border-light);
}

.calc-inputs-pane {
    padding: 3rem;
    background: var(--color-surface-white);
}

.calc-type-selector {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 0.75rem;
    background: #F1F5F9;
    padding: 0.4rem;
    border-radius: var(--radius-sm);
    margin-bottom: 2rem;
}

.calc-tab-btn {
    padding: 0.75rem;
    border: none;
    background: transparent;
    font-family: var(--font-body);
    font-size: 0.88rem;
    font-weight: 700;
    color: var(--color-text-muted);
    border-radius: var(--radius-sm);
    cursor: pointer;
    transition: var(--transition-fast);
}

.calc-tab-btn.active {
    background: var(--color-navy-main);
    color: var(--color-gold-light);
    box-shadow: var(--shadow-sm);
}

.calc-control-group {
    margin-bottom: 1.75rem;
}

.control-header {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 0.6rem;
}

.control-header label {
    font-weight: 700;
    font-size: 0.95rem;
    color: var(--color-navy-main);
    display: flex;
    align-items: center;
    gap: 0.5rem;
}

.input-number-wrap {
    display: flex;
    align-items: center;
    background: #F8FAFC;
    border: 1px solid #CBD5E1;
    border-radius: var(--radius-sm);
    padding: 0.3rem 0.75rem;
    font-weight: 700;
}

.input-number-wrap span {
    color: var(--color-text-muted);
    margin-right: 4px;
}

.input-number-wrap input {
    width: 110px;
    border: none;
    background: transparent;
    font-family: var(--font-body);
    font-size: 1rem;
    font-weight: 700;
    color: var(--color-navy-main);
    outline: none;
}

.val-pill {
    background: rgba(14, 74, 62, 0.1);
    color: var(--color-emerald-main);
    padding: 0.3rem 0.8rem;
    border-radius: var(--radius-full);
    font-weight: 700;
    font-size: 0.88rem;
}

.calc-grid-2col {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 1.5rem;
}

/* Calculator Results Pane */
.calc-results-pane {
    background: var(--gradient-navy-dark);
    color: var(--color-surface-white);
    padding: 3rem;
    display: flex;
    flex-direction: column;
    justify-content: space-between;
    border-left: 1px solid var(--color-border-dark);
}

.results-header {
    display: flex;
    justify-content: space-between;
    align-items: center;
}

.results-header h3 {
    color: var(--color-surface-white);
    font-size: 1.4rem;
}

.ltv-badge {
    background: var(--gradient-gold);
    color: var(--color-navy-dark);
    padding: 0.35rem 0.9rem;
    border-radius: var(--radius-full);
    font-weight: 800;
    font-size: 0.82rem;
}

.primary-result-box {
    margin: 2rem 0;
    text-align: center;
    background: rgba(255, 255, 255, 0.04);
    padding: 1.75rem;
    border-radius: var(--radius-md);
    border: 1px solid rgba(212, 175, 55, 0.2);
}

.res-title {
    font-size: 0.85rem;
    color: rgba(255, 255, 255, 0.7);
    text-transform: uppercase;
    letter-spacing: 1px;
}

.big-monthly-amount {
    font-family: var(--font-heading);
    font-size: 3rem;
    font-weight: 800;
    color: var(--color-gold-light);
    margin: 0.5rem 0;
    line-height: 1;
}

.res-sub {
    font-size: 0.8rem;
    color: rgba(255, 255, 255, 0.6);
}

.breakdown-list {
    display: flex;
    flex-direction: column;
    gap: 0.85rem;
    margin-bottom: 1.5rem;
}

.breakdown-row {
    display: flex;
    justify-content: space-between;
    font-size: 0.92rem;
    border-bottom: 1px stroke rgba(255, 255, 255, 0.1);
    padding-bottom: 0.5rem;
}

.row-label {
    color: rgba(255, 255, 255, 0.8);
    display: flex;
    align-items: center;
    gap: 0.5rem;
}

.row-val {
    font-weight: 700;
}

.visual-ratio-bar {
    width: 100%;
    height: 10px;
    background: rgba(255, 255, 255, 0.1);
    border-radius: 5px;
    overflow: hidden;
    display: flex;
    margin-bottom: 0.6rem;
}

.bar-fill {
    height: 100%;
    transition: var(--transition-normal);
}

.principal-fill {
    background: var(--color-emerald-light);
}

.interest-fill {
    background: var(--color-gold-main);
}

.ratio-labels {
    display: flex;
    justify-content: space-between;
    font-size: 0.78rem;
    color: rgba(255, 255, 255, 0.7);
    margin-bottom: 2rem;
}

.dot {
    display: inline-block;
    width: 8px;
    height: 8px;
    border-radius: 50%;
    margin-right: 4px;
}
.emerald-dot { background: var(--color-emerald-light); }
.gold-dot { background: var(--color-gold-main); }

/* --------------------------------------------------------------------------
   8. SERVICES & SOLUTIONS MATRIX
   -------------------------------------------------------------------------- */
.services-section {
    padding: 6rem 0;
    background: var(--color-surface-white);
}

.filter-tabs-wrapper {
    display: flex;
    justify-content: center;
    gap: 1rem;
    margin-bottom: 3.5rem;
}

.filter-btn {
    padding: 0.7rem 1.75rem;
    border: 1px solid var(--color-border-light);
    background: #F8FAFC;
    font-family: var(--font-body);
    font-size: 0.95rem;
    font-weight: 700;
    color: var(--color-navy-main);
    border-radius: var(--radius-full);
    cursor: pointer;
    transition: var(--transition-fast);
}

.filter-btn.active, .filter-btn:hover {
    background: var(--color-navy-main);
    color: var(--color-gold-light);
    border-color: var(--color-navy-main);
    box-shadow: var(--shadow-md);
}

.services-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(350px, 1fr));
    gap: 2rem;
}

.service-card {
    background: var(--color-surface-white);
    border: 1px solid var(--color-border-light);
    border-radius: var(--radius-md);
    padding: 2.5rem;
    transition: var(--transition-normal);
    position: relative;
    display: flex;
    flex-direction: column;
    box-shadow: var(--shadow-sm);
}

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

.card-icon {
    width: 55px;
    height: 55px;
    background: rgba(14, 74, 62, 0.1);
    color: var(--color-emerald-main);
    border-radius: var(--radius-sm);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.5rem;
    margin-bottom: 1.5rem;
    transition: var(--transition-fast);
}

.service-card:hover .card-icon {
    background: var(--gradient-gold);
    color: var(--color-navy-dark);
}

.card-category-tag {
    font-size: 0.75rem;
    font-weight: 800;
    text-transform: uppercase;
    letter-spacing: 1px;
    color: var(--color-gold-dark);
    margin-bottom: 0.5rem;
}

.service-card h3 {
    font-size: 1.4rem;
    margin-bottom: 0.85rem;
}

.service-card p {
    font-size: 0.95rem;
    color: var(--color-text-muted);
    margin-bottom: 1.5rem;
    line-height: 1.6;
}

.service-features {
    margin-bottom: 2rem;
    margin-top: auto;
}

.service-features li {
    font-size: 0.88rem;
    color: var(--color-navy-main);
    font-weight: 600;
    margin-bottom: 0.5rem;
    display: flex;
    align-items: center;
    gap: 0.5rem;
}

/* --------------------------------------------------------------------------
   9. WHY LUCRUM & 4-STEP PROCESS
   -------------------------------------------------------------------------- */
.why-us-section {
    padding: 6rem 0;
    background: var(--gradient-navy-dark);
    color: var(--color-surface-white);
}

.light-text .section-title {
    color: var(--color-surface-white);
}

.light-text .section-subtitle {
    color: var(--color-gold-light);
}

.light-text .section-desc {
    color: rgba(255, 255, 255, 0.75);
}

.process-pipeline {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 2rem;
    position: relative;
    margin-top: 4rem;
}

.process-step {
    background: rgba(255, 255, 255, 0.04);
    border: 1px solid rgba(212, 175, 55, 0.2);
    border-radius: var(--radius-md);
    padding: 2.25rem 1.75rem;
    position: relative;
    transition: var(--transition-normal);
}

.process-step:hover {
    background: rgba(255, 255, 255, 0.08);
    transform: translateY(-5px);
    border-color: var(--color-gold-main);
}

.step-number {
    position: absolute;
    top: 1rem;
    right: 1.25rem;
    font-family: var(--font-heading);
    font-size: 2.2rem;
    font-weight: 800;
    color: rgba(212, 175, 55, 0.25);
}

.step-icon {
    font-size: 1.8rem;
    color: var(--color-gold-light);
    margin-bottom: 1.25rem;
}

.process-step h4 {
    color: var(--color-surface-white);
    font-size: 1.15rem;
    margin-bottom: 0.75rem;
}

.process-step p {
    font-size: 0.88rem;
    color: rgba(255, 255, 255, 0.7);
    line-height: 1.6;
}

/* --------------------------------------------------------------------------
   10. DIRECT BANK VS LUCRUM BROKERAGE COMPARISON
   -------------------------------------------------------------------------- */
.comparison-section {
    padding: 6rem 0;
    background-color: #F8FAFC;
}

.comparison-table-wrapper {
    background: var(--color-surface-white);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-md);
    overflow: hidden;
    border: 1px solid var(--color-border-light);
}

.comparison-table {
    width: 100%;
    border-collapse: collapse;
    text-align: left;
}

.comparison-table th {
    padding: 1.5rem 2rem;
    font-size: 1.05rem;
    font-family: var(--font-heading);
    background: #F1F5F9;
}

.col-bank {
    color: var(--color-text-muted);
    width: 35%;
}

.col-lucrum {
    background: var(--color-navy-main) !important;
    color: var(--color-surface-white) !important;
    width: 40%;
}

.comparison-table td {
    padding: 1.25rem 2rem;
    border-bottom: 1px solid var(--color-border-light);
    font-size: 0.95rem;
}

.comparison-table tbody tr:last-child td {
    border-bottom: none;
}

.comparison-table tbody tr:hover td {
    background-color: #F8FAFC;
}

.comparison-table tbody tr:hover td.col-lucrum {
    background-color: #11233D !important;
}

/* --------------------------------------------------------------------------
   11. CASE STUDIES & PROOF
   -------------------------------------------------------------------------- */
.case-studies-section {
    padding: 6rem 0;
    background: var(--color-surface-white);
}

.case-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 2.25rem;
}

.case-card {
    background: #F8FAFC;
    border: 1px solid var(--color-border-light);
    border-radius: var(--radius-md);
    padding: 2.25rem;
    display: flex;
    flex-direction: column;
    transition: var(--transition-normal);
}

.case-card:hover {
    box-shadow: var(--shadow-lg);
    border-color: var(--color-emerald-light);
}

.case-badge {
    align-self: flex-start;
    background: rgba(14, 74, 62, 0.1);
    color: var(--color-emerald-main);
    padding: 0.3rem 0.8rem;
    border-radius: var(--radius-full);
    font-size: 0.78rem;
    font-weight: 800;
    text-transform: uppercase;
    margin-bottom: 1.25rem;
}

.case-card h3 {
    font-size: 1.3rem;
    margin-bottom: 0.85rem;
}

.case-summary {
    font-size: 0.92rem;
    color: var(--color-text-muted);
    margin-bottom: 1.5rem;
}

.case-result-box {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 1rem;
    background: var(--color-navy-main);
    color: var(--color-surface-white);
    padding: 1rem;
    border-radius: var(--radius-sm);
    margin-bottom: 1.25rem;
}

.res-stat {
    display: flex;
    flex-direction: column;
    text-align: center;
}

.stat-num {
    font-family: var(--font-heading);
    font-size: 1.4rem;
    font-weight: 800;
    color: var(--color-gold-light);
}

.stat-lbl {
    font-size: 0.72rem;
    color: rgba(255, 255, 255, 0.7);
}

.case-solution {
    font-size: 0.88rem;
    color: var(--color-navy-main);
    line-height: 1.5;
}

/* --------------------------------------------------------------------------
   12. CLIENT TESTIMONIALS
   -------------------------------------------------------------------------- */
.testimonials-section {
    padding: 6rem 0;
    background: var(--gradient-navy-dark);
}

.testimonial-cards-wrapper {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 2rem;
    margin-top: 2rem;
}

.testimonial-card {
    background: rgba(255, 255, 255, 0.04);
    border: 1px solid rgba(212, 175, 55, 0.2);
    border-radius: var(--radius-md);
    padding: 2.25rem;
    display: flex;
    flex-direction: column;
    justify-content: space-between;
}

.stars {
    color: var(--color-gold-light);
    font-size: 1.1rem;
    margin-bottom: 1rem;
    letter-spacing: 2px;
}

.quote {
    font-size: 0.95rem;
    color: rgba(255, 255, 255, 0.85);
    font-style: italic;
    line-height: 1.7;
    margin-bottom: 1.75rem;
}

.client-info {
    display: flex;
    align-items: center;
    gap: 1rem;
}

.avatar-circle {
    width: 44px;
    height: 44px;
    background: var(--gradient-gold);
    color: var(--color-navy-dark);
    font-weight: 800;
    font-family: var(--font-heading);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
}

.client-name {
    display: block;
    font-weight: 700;
    color: var(--color-surface-white);
    font-size: 0.95rem;
}

.client-role {
    display: block;
    font-size: 0.78rem;
    color: rgba(255, 255, 255, 0.6);
}

/* --------------------------------------------------------------------------
   13. FAQS ACCORDION
   -------------------------------------------------------------------------- */
.faqs-section {
    padding: 6rem 0;
    background: #F8FAFC;
}

.accordion-wrapper {
    display: flex;
    flex-direction: column;
    gap: 1rem;
}

.accordion-item {
    background: var(--color-surface-white);
    border: 1px solid var(--color-border-light);
    border-radius: var(--radius-sm);
    overflow: hidden;
    transition: var(--transition-fast);
}

.accordion-item.active {
    border-color: var(--color-gold-main);
    box-shadow: var(--shadow-md);
}

.accordion-header {
    width: 100%;
    padding: 1.35rem 1.75rem;
    background: transparent;
    border: none;
    display: flex;
    justify-content: space-between;
    align-items: center;
    font-family: var(--font-body);
    font-size: 1.05rem;
    font-weight: 700;
    color: var(--color-navy-main);
    text-align: left;
    cursor: pointer;
}

.accordion-icon {
    color: var(--color-gold-dark);
    transition: var(--transition-fast);
}

.accordion-item.active .accordion-icon {
    transform: rotate(45deg);
}

.accordion-content {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.35s cubic-bezier(0, 1, 0, 1);
    background: #F8FAFC;
}

.accordion-content p {
    padding: 0 1.75rem 1.5rem 1.75rem;
    font-size: 0.95rem;
    color: var(--color-text-muted);
    line-height: 1.7;
}

/* --------------------------------------------------------------------------
   14. CTA BANNER
   -------------------------------------------------------------------------- */
.cta-banner-section {
    padding: 5rem 0;
    background: linear-gradient(135deg, var(--color-emerald-dark) 0%, var(--color-navy-dark) 100%);
    position: relative;
    border-top: 2px solid var(--color-gold-main);
}

.cta-banner-content {
    text-align: center;
    color: var(--color-surface-white);
    max-width: 800px;
    margin: 0 auto;
}

.cta-banner-content h2 {
    color: var(--color-surface-white);
    font-size: 2.5rem;
    margin-bottom: 1rem;
}

.cta-banner-content p {
    font-size: 1.1rem;
    color: rgba(255, 255, 255, 0.85);
    margin-bottom: 2.25rem;
}

.cta-buttons {
    display: flex;
    justify-content: center;
    gap: 1.25rem;
}

/* --------------------------------------------------------------------------
   15. FOOTER
   -------------------------------------------------------------------------- */
.main-footer {
    background-color: var(--color-navy-dark);
    color: rgba(255, 255, 255, 0.7);
    padding: 5rem 0 2rem 0;
    font-size: 0.9rem;
    border-top: 1px solid rgba(255, 255, 255, 0.08);
}

.footer-grid {
    display: grid;
    grid-template-columns: 1.3fr 1fr 1fr 1.2fr;
    gap: 3rem;
    margin-bottom: 3.5rem;
}

.footer-logo {
    margin-bottom: 1.25rem;
}

.footer-about-text {
    line-height: 1.6;
    margin-bottom: 1.5rem;
}

.footer-socials {
    display: flex;
    gap: 0.85rem;
}

.footer-socials a {
    width: 36px;
    height: 36px;
    background: rgba(255, 255, 255, 0.08);
    color: var(--color-gold-light);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    transition: var(--transition-fast);
}

.footer-socials a:hover {
    background: var(--gradient-gold);
    color: var(--color-navy-dark);
}

.footer-col h4 {
    color: var(--color-surface-white);
    font-size: 1.1rem;
    margin-bottom: 1.5rem;
    position: relative;
    padding-bottom: 0.5rem;
}

.footer-col h4::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    width: 35px;
    height: 2px;
    background: var(--color-gold-main);
}

.footer-col ul li {
    margin-bottom: 0.75rem;
}

.footer-col ul li a:hover {
    color: var(--color-gold-light);
    padding-left: 5px;
}

.contact-col p {
    margin-bottom: 0.85rem;
    display: flex;
    align-items: flex-start;
    gap: 0.6rem;
}

/* Regulatory Warning Box */
.regulatory-warning-box {
    background: rgba(0, 0, 0, 0.4);
    border: 1px solid rgba(212, 175, 55, 0.3);
    border-radius: var(--radius-sm);
    padding: 1.5rem;
    margin-bottom: 2.5rem;
    font-size: 0.82rem;
    line-height: 1.6;
}

.warning-highlight {
    color: var(--color-gold-light);
    font-weight: 700;
    margin-top: 0.5rem;

}

.footer-bottom {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding-top: 2rem;
    border-top: 1px solid rgba(255, 255, 255, 0.08);
    font-size: 0.82rem;
}

.legal-links {
    display: flex;
    gap: 1.5rem;
}

.legal-links a:hover {
    color: var(--color-gold-light);
}

/* --------------------------------------------------------------------------
   16. CONSULTATION POPUP MODAL
   -------------------------------------------------------------------------- */
.modal-overlay {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: rgba(7, 13, 25, 0.85);
    backdrop-filter: blur(8px);
    z-index: 2000;
    display: flex;
    align-items: center;
    justify-content: center;
    opacity: 0;
    visibility: hidden;
    transition: var(--transition-normal);
    padding: 1.5rem;
}

.modal-overlay.active {
    opacity: 1;
    visibility: visible;
}

.modal-card {
    background: var(--color-surface-white);
    border-radius: var(--radius-lg);
    max-width: 650px;
    width: 100%;
    max-height: 90vh;
    overflow-y: auto;
    padding: 2.75rem;
    position: relative;
    box-shadow: 0 25px 60px rgba(0, 0, 0, 0.5);
    transform: translateY(20px);
    transition: var(--transition-normal);
    border: 1px solid var(--color-border-dark);
}

.modal-overlay.active .modal-card {
    transform: translateY(0);
}

.modal-close {
    position: absolute;
    top: 1.25rem;
    right: 1.5rem;
    background: transparent;
    border: none;
    font-size: 2rem;
    color: var(--color-text-muted);
    cursor: pointer;
    transition: var(--transition-fast);
}

.modal-close:hover {
    color: var(--color-navy-main);
}

.modal-header {
    text-align: center;
    margin-bottom: 2rem;
}

.modal-logo-icon {
    font-size: 2.2rem;
    margin-bottom: 0.5rem;
}

.modal-header h3 {
    font-size: 1.6rem;
    margin-bottom: 0.4rem;
}

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

.form-row-2col {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 1.25rem;
}

.modal-form .form-group {
    margin-bottom: 1.25rem;
}

.modal-form label {
    color: var(--color-navy-main);
}

.modal-form .form-control {
    background: #F8FAFC;
    border-color: #CBD5E1;
    color: var(--color-navy-main);
}

.modal-form .form-control:focus {
    border-color: var(--color-gold-main);
    background: var(--color-surface-white);
}

.form-consent {
    display: flex;
    align-items: flex-start;
    gap: 0.6rem;
    margin-bottom: 1.75rem;
}

.form-consent input[type="checkbox"] {
    margin-top: 3px;
}

.form-consent label {
    font-size: 0.78rem;
    color: var(--color-text-muted);
    line-height: 1.4;
}

/* --------------------------------------------------------------------------
   17. TOAST NOTIFICATIONS
   -------------------------------------------------------------------------- */
.toast-container {
    position: fixed;
    bottom: 2rem;
    right: 2rem;
    z-index: 3000;
    display: flex;
    flex-direction: column;
    gap: 0.75rem;
}

.toast {
    background: var(--color-navy-main);
    color: var(--color-surface-white);
    border-left: 4px solid var(--color-gold-main);
    padding: 1rem 1.5rem;
    border-radius: var(--radius-sm);
    box-shadow: var(--shadow-lg);
    display: flex;
    align-items: center;
    gap: 0.85rem;
    font-size: 0.92rem;
    animation: slideInRight 0.3s ease forwards;
}

@keyframes slideInRight {
    from { transform: translateX(100%); opacity: 0; }
    to { transform: translateX(0); opacity: 1; }
}

/* --------------------------------------------------------------------------
   18. RESPONSIVE MEDIA QUERIES
   -------------------------------------------------------------------------- */
@media (max-width: 1024px) {
    .hero-container {
        grid-template-columns: 1fr;
        gap: 3rem;
    }

    .calculator-card-wrapper {
        grid-template-columns: 1fr;
    }

    .calc-results-pane {
        border-left: none;
        border-top: 1px solid var(--color-border-dark);
    }

@media (max-width: 1200px) {
    .nav-menu ul {
        gap: 1rem;
    }

    .nav-link {
        font-size: 0.86rem;
    }
}

@media (max-width: 1024px) {
    .nav-menu {
        position: fixed;
        top: 65px;
        left: -100%;
        width: 100%;
        height: calc(100vh - 65px);
        background: var(--color-navy-main);
        padding: 2rem;
        transition: var(--transition-normal);
        justify-content: flex-start;
    }

    .nav-menu.active {
        left: 0;
    }

    .nav-menu ul {
        flex-direction: column;
        align-items: flex-start;
        gap: 1.5rem;
    }

    .mobile-toggle {
        display: block;
    }

    .header-actions .btn {
        display: none;
    }

    .hero-container {
        grid-template-columns: 1fr;
        gap: 3rem;
    }

    .calculator-card-wrapper {
        grid-template-columns: 1fr;
    }

    .calc-results-pane {
        border-left: none;
        border-top: 1px solid var(--color-border-dark);
    }

    .process-pipeline {
        grid-template-columns: 1fr 1fr;
    }

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

@media (max-width: 768px) {
    .top-bar-content {
        flex-direction: column;
        gap: 0.4rem;
        text-align: center;
    }

    .hero-title {
        font-size: 2.2rem;
    }

    .services-grid, .case-grid, .testimonial-cards-wrapper {
        grid-template-columns: 1fr;
    }

    .process-pipeline {
        grid-template-columns: 1fr;
    }

    .form-row-2col {
        grid-template-columns: 1fr;
    }

    .comparison-table-wrapper {
        overflow-x: auto;
    }

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

    .footer-bottom {
        flex-direction: column;
        gap: 1rem;
        text-align: center;
    }
}