/* Ace Wealth Solutions — editorial split layout; navy, gold, cream */
:root {
    --primary-color: #132d54;
    --primary-dark: #071422;
    --secondary-color: #c9a227;
    --accent-color: #e8c96a;
    --text-dark: #1a2332;
    --text-light: #5c6578;
    --bg-light: #f8f5ef;
    --bg-white: #fefdfb;
    --border-color: #e8e2d6;
    --success-color: #2d6a4f;
    --gradient-1: linear-gradient(135deg, #132d54 0%, #1e4a72 55%, #9a7b1c 100%);
    --gradient-2: linear-gradient(135deg, #0f2847 0%, #c9a227 100%);
    --shadow-sm: 0 1px 2px 0 rgba(7, 20, 34, 0.06);
    --shadow-md: 0 4px 6px -1px rgba(7, 20, 34, 0.08);
    --shadow-lg: 0 10px 15px -3px rgba(7, 20, 34, 0.1);
    --shadow-xl: 0 20px 25px -5px rgba(7, 20, 34, 0.12);
    --rvc-primary: #132d54;
    --rvc-secondary: #c9a227;
}

/* Reset & Base Styles */
* {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
}

html {
    scroll-behavior: smooth;
}

body {
    font-family: 'DM Sans', system-ui, sans-serif;
    color: var(--text-dark);
    line-height: 1.6;
    overflow-x: hidden;
    padding-top: 118px; /* Top bar + navbar */
    margin: 0;
}

html {
    margin: 0;
    padding: 0;
}

.container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 20px;
}

/* Top Info Bar — high contrast: gold strip + dark text */
.top-bar {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    background: linear-gradient(90deg, #e8c547 0%, #d4af37 40%, #c9a227 100%);
    color: #0c1929;
    padding: 11px 0;
    font-size: 0.875rem;
    z-index: 1001;
    margin: 0;
    border-bottom: 3px solid #0c1929;
}

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

.top-bar-left {
    display: flex;
    gap: 25px;
}

.top-bar-link {
    color: #0c1929;
    text-decoration: none;
    display: flex;
    align-items: center;
    gap: 8px;
    transition: color 0.2s ease, opacity 0.2s ease;
    font-weight: 700;
    letter-spacing: 0.02em;
}

.top-bar-link:hover {
    color: #000;
    text-decoration: underline;
}

.top-bar-link i {
    font-size: 0.95rem;
    color: #0c1929;
    opacity: 0.9;
}

.top-bar-right {
    display: flex;
    gap: 12px;
}

.top-bar-right a {
    color: #0c1929;
    width: 32px;
    height: 32px;
    display: flex;
    align-items: center;
    justify-content: center;
    border-radius: 2px;
    background: rgba(12, 25, 41, 0.12);
    transition: all 0.3s ease;
    text-decoration: none;
}

.top-bar-right a:hover {
    background: #0c1929;
    color: #f5e6b8;
    transform: translateY(-2px);
}

/* Navigation — dark bar (distinct from white “template” header) */
.navbar {
    position: fixed;
    top: 44px; /* matches top bar height */
    left: 0;
    right: 0;
    background: #0c1929 !important;
    backdrop-filter: none;
    box-shadow: 0 4px 24px rgba(0, 0, 0, 0.25);
    z-index: 1000;
    transition: all 0.3s ease;
    margin: 0;
    border-bottom: 3px solid var(--secondary-color);
}

.navbar.scrolled {
    box-shadow: 0 6px 28px rgba(0, 0, 0, 0.35);
}

.nav-wrapper {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 0.85rem 0;
}

.logo {
    display: flex;
    align-items: center;
    gap: 0.5rem;
    font-size: 1.45rem;
    color: #fefdfb;
    font-weight: 600;
    font-family: 'Playfair Display', Georgia, 'Times New Roman', serif;
    letter-spacing: -0.02em;
}

.logo i {
    font-size: 1.65rem;
    color: var(--secondary-color);
}

.logo strong {
    color: var(--secondary-color);
    font-weight: 700;
}

.nav-menu {
    display: flex;
    list-style: none;
    gap: 1.65rem;
    align-items: center;
}

.nav-menu a {
    text-decoration: none;
    color: rgba(254, 253, 251, 0.9);
    font-weight: 600;
    transition: color 0.3s ease;
    font-size: 0.68rem;
    text-transform: uppercase;
    letter-spacing: 0.14em;
}

.nav-menu a:hover {
    color: var(--secondary-color);
}

.nav-menu a.nav-survey-link {
    color: #7dd3c0;
}

.nav-menu a.nav-survey-link:hover {
    color: var(--secondary-color);
}

.btn-nav {
    background: var(--secondary-color);
    color: #0c1929 !important;
    padding: 0.55rem 1.35rem;
    border-radius: 2px;
    transition: transform 0.3s ease, box-shadow 0.3s ease, filter 0.3s ease;
    border: none;
    text-transform: uppercase;
    letter-spacing: 0.1em;
    font-size: 0.65rem !important;
}

.btn-nav:hover {
    transform: translateY(-2px);
    filter: brightness(1.06);
    color: #0c1929 !important;
    box-shadow: 0 8px 24px rgba(201, 162, 39, 0.45);
}

.hamburger {
    display: none;
    flex-direction: column;
    cursor: pointer;
    gap: 5px;
}

.hamburger span {
    width: 25px;
    height: 3px;
    background: #fefdfb;
    border-radius: 3px;
    transition: all 0.3s ease;
}

/* Hero — warm page + navy “card” + framed image (not a split diagonal) */
.hero {
    padding: 5rem 0 3.25rem;
    min-height: unset;
    background: linear-gradient(160deg, #d8cfc4 0%, #ebe6df 45%, #e0d8ce 100%);
    position: relative;
    overflow: visible;
}

.hero::before {
    display: none;
}

.hero::after {
    display: none;
}

.hero-inner {
    position: relative;
    z-index: 2;
    display: flex;
    flex-direction: column;
    justify-content: center;
    min-height: unset;
    padding-bottom: 0;
}

.hero-content {
    display: grid;
    grid-template-columns: 1.12fr 0.88fr;
    gap: 0 2.25rem;
    align-items: stretch;
    flex: 1;
    position: relative;
    z-index: 1;
}

.hero-text {
    max-width: none;
    background: #0c1929;
    padding: 2.85rem 2.75rem 2.35rem;
    box-shadow: 14px 14px 0 var(--secondary-color);
    border: 1px solid rgba(255, 255, 255, 0.06);
    align-self: center;
}

.hero-kicker {
    font-size: 0.7rem;
    font-weight: 700;
    letter-spacing: 0.22em;
    text-transform: uppercase;
    color: var(--secondary-color);
    margin-bottom: 1.25rem;
}

.hero-title {
    font-size: clamp(2.35rem, 4.8vw, 4rem);
    font-weight: 600;
    line-height: 1.05;
    margin-bottom: 1.35rem;
    color: #fefdfb;
    font-family: 'Playfair Display', Georgia, 'Times New Roman', serif;
    letter-spacing: -0.03em;
}

.highlight {
    background: linear-gradient(90deg, var(--secondary-color), #f5e6b8);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
}

.hero-subtitle {
    font-size: 1.08rem;
    color: rgba(245, 240, 230, 0.9);
    margin-bottom: 2rem;
    line-height: 1.75;
    max-width: 36em;
}

.hero-buttons {
    display: flex;
    flex-wrap: wrap;
    gap: 1rem 1.25rem;
    margin-bottom: 0;
}

.hero .btn-primary {
    background: var(--secondary-color);
    color: #0c1929;
    box-shadow: none;
}

.hero .btn-primary:hover {
    background: #ddb22e;
    color: #0c1929;
    transform: translateY(-2px);
    box-shadow: 0 12px 28px rgba(0, 0, 0, 0.2);
}

.hero .btn-secondary {
    background: transparent;
    color: #fefdfb;
    border: 2px solid rgba(255, 255, 255, 0.42);
}

.hero .btn-secondary:hover {
    background: rgba(255, 255, 255, 0.07);
    color: #fefdfb;
    border-color: rgba(255, 255, 255, 0.65);
}

.hero-stats {
    display: flex;
    gap: 3rem;
}

.hero-stats--bar {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 0;
    width: 100%;
    margin-top: 2rem;
    padding: 1.35rem 1.5rem 1.5rem;
    border-top: none;
    background: #0c1929;
    border: 2px solid rgba(201, 162, 39, 0.45);
    box-shadow: 10px 10px 0 rgba(12, 25, 41, 0.12);
}

.hero-stats--bar .stat-item {
    text-align: center;
    padding: 0.5rem 0.85rem;
    border-right: 1px solid rgba(255, 255, 255, 0.12);
}

.hero-stats--bar .stat-item:last-child {
    border-right: none;
}

.stat-item h3 {
    font-size: 2rem;
    color: var(--primary-color);
    font-weight: 700;
    margin-bottom: 0.3rem;
}

.stat-item p {
    color: var(--text-light);
    font-size: 0.78rem;
    letter-spacing: 0.06em;
    text-transform: uppercase;
}

.hero .hero-stats--bar .stat-item h3 {
    color: var(--secondary-color);
}

.hero .hero-stats--bar .stat-item p {
    color: rgba(232, 223, 208, 0.78);
}

.hero-image {
    position: relative;
    z-index: 2;
    align-self: stretch;
}

.hero-image-wrapper {
    width: 100%;
    height: 100%;
    min-height: 300px;
    background: #152a45;
    border-radius: 0;
    display: flex;
    align-items: center;
    justify-content: center;
    box-shadow: 12px 12px 0 rgba(12, 25, 41, 0.22);
    position: relative;
    overflow: hidden;
    clip-path: none;
    border: 4px solid #0c1929;
}

.hero-image-wrapper::before {
    display: none;
}

.hero-image-photo {
    width: 100%;
    height: 100%;
    object-fit: cover;
    display: block;
    min-height: 300px;
}

.hero-image-wrapper i {
    font-size: clamp(4rem, 11vw, 8rem);
    color: rgba(255, 255, 255, 0.9);
}

.btn {
    padding: 0.85rem 1.85rem;
    border-radius: 2px;
    text-decoration: none;
    font-weight: 600;
    transition: all 0.3s ease;
    display: inline-block;
    border: none;
    cursor: pointer;
    font-size: 0.95rem;
}

.btn-primary {
    background: var(--gradient-1);
    color: white;
    box-shadow: var(--shadow-md);
}

.btn-primary:hover {
    transform: translateY(-3px);
    box-shadow: var(--shadow-xl);
}

.btn-secondary {
    background: transparent;
    color: var(--primary-color);
    border: 2px solid var(--secondary-color);
}

.btn-secondary:hover {
    background: var(--secondary-color);
    color: var(--primary-dark);
}

.btn-block {
    width: 100%;
    text-align: center;
}

/* Quick links under hero */
.quick-links-strip {
    background: var(--primary-dark);
    border-bottom: 3px solid var(--secondary-color);
    padding: 0.9rem 0;
}

.quick-links-inner {
    display: flex;
    flex-wrap: wrap;
    gap: 0.65rem;
    justify-content: center;
    align-items: center;
}

.btn-ql {
    margin: 0;
    font-size: 0.72rem;
    font-weight: 700;
    letter-spacing: 0.12em;
    text-transform: uppercase;
    padding: 0.65rem 1.25rem;
    border-radius: 2px;
    background: transparent;
    color: rgba(245, 240, 230, 0.95);
    border: 1px solid rgba(255, 255, 255, 0.28);
}

.btn-ql:hover {
    background: rgba(255, 255, 255, 0.06);
    color: #fff;
    border-color: rgba(201, 162, 39, 0.65);
}

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

.btn-ql-primary:hover {
    background: #ddb22e;
    color: var(--primary-dark);
}

@media (max-width: 992px) {
    .hero {
        padding: 4rem 0 2.75rem;
    }

    .hero-text {
        box-shadow: 10px 10px 0 var(--secondary-color);
        max-width: 520px;
        margin-left: auto;
        margin-right: auto;
    }

    .hero-content {
        grid-template-columns: 1fr;
        text-align: center;
    }

    .hero-subtitle {
        margin-left: auto;
        margin-right: auto;
    }

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

    .hero-image-wrapper {
        min-height: 260px;
        max-width: 520px;
        margin: 0 auto;
    }

    .hero-stats--bar {
        grid-template-columns: 1fr;
        margin-top: 1.5rem;
    }

    .hero-stats--bar .stat-item {
        border-right: none;
        border-bottom: 1px solid rgba(255, 255, 255, 0.12);
        padding: 0.85rem 0.5rem;
    }

    .hero-stats--bar .stat-item:last-child {
        border-bottom: none;
    }
}

/* Section Styles */
section {
    padding: 80px 0;
}

.section-header {
    display: grid;
    grid-template-columns: auto 1fr;
    gap: 1.25rem 2.75rem;
    align-items: start;
    text-align: left;
    margin-bottom: 3.5rem;
    max-width: none;
}

.section-tag {
    grid-row: 1 / span 2;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    writing-mode: vertical-rl;
    transform: rotate(180deg);
    background: var(--primary-dark);
    color: var(--secondary-color);
    padding: 1.1rem 0.45rem;
    border-radius: 0;
    font-weight: 700;
    font-size: 0.62rem;
    margin-bottom: 0;
    border: none;
    letter-spacing: 0.18em;
    text-transform: uppercase;
    align-self: stretch;
    min-height: 6rem;
}

.section-header h2 {
    font-size: clamp(2rem, 3vw, 2.85rem);
    font-weight: 600;
    margin-bottom: 0.65rem;
    color: var(--primary-dark);
    font-family: 'Playfair Display', Georgia, 'Times New Roman', serif;
    letter-spacing: -0.02em;
    line-height: 1.15;
}

.section-header p {
    font-size: 1.05rem;
    color: var(--text-light);
    max-width: 48ch;
    margin: 0;
}

/* About Section */
.about {
    background: var(--bg-white);
}

.about-content {
    display: grid;
    grid-template-columns: 1fr 1.5fr;
    gap: 4rem;
    align-items: center;
}

.about-card {
    background: var(--gradient-1);
    padding: 3rem;
    border-radius: 0;
    text-align: left;
    color: white;
    box-shadow: none;
    border-left: 5px solid var(--secondary-color);
}

.about-card i {
    font-size: 4rem;
    margin-bottom: 1rem;
    opacity: 0.95;
}

.about-card h4 {
    font-size: 1.5rem;
    margin-bottom: 0.5rem;
}

.about-text h3 {
    font-size: 2rem;
    margin-bottom: 1.5rem;
    color: var(--text-dark);
}

.about-text p {
    color: var(--text-light);
    margin-bottom: 1.5rem;
    font-size: 1.05rem;
}

.about-features {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 1rem;
    margin-top: 2rem;
}

.feature-item {
    display: flex;
    align-items: center;
    gap: 0.8rem;
}

.feature-item i {
    color: var(--success-color);
    font-size: 1.2rem;
}

.feature-item span {
    color: var(--text-dark);
    font-weight: 500;
}

/* Services Section */
.services {
    background: var(--bg-light);
}

/* Services Carousel */
.services-carousel-wrapper {
    position: relative;
    padding: 0 50px;
}

.services-carousel {
    overflow-x: auto;
    overflow-y: hidden;
    scroll-behavior: smooth;
    -webkit-overflow-scrolling: touch;
    scrollbar-width: none; /* Firefox */
    -ms-overflow-style: none; /* IE and Edge */
    padding: 20px 0;
}

.services-carousel::-webkit-scrollbar {
    display: none; /* Chrome, Safari, Opera */
}

.services-grid {
    display: flex;
    gap: 2rem;
    width: max-content;
}

.services-grid .service-card {
    flex: 0 0 280px;
    min-width: 280px;
    max-width: 280px;
}

/* Carousel Navigation Buttons */
.carousel-nav-btn {
    position: absolute;
    top: 50%;
    transform: translateY(-50%);
    background: var(--primary-dark);
    border: 1px solid rgba(255, 255, 255, 0.2);
    color: var(--secondary-color);
    width: 48px;
    height: 48px;
    border-radius: 2px;
    display: flex;
    align-items: center;
    justify-content: center;
    cursor: pointer;
    z-index: 10;
    transition: all 0.3s ease;
    box-shadow: 0 6px 18px rgba(7, 20, 34, 0.15);
}

.carousel-nav-btn:hover {
    background: var(--secondary-color);
    color: var(--primary-dark);
    transform: translateY(-50%) scale(1.04);
    box-shadow: 0 8px 22px rgba(19, 45, 84, 0.22);
}

.carousel-nav-btn:active {
    transform: translateY(-50%) scale(0.95);
}

.carousel-prev {
    left: 0;
}

.carousel-next {
    right: 0;
}

.carousel-nav-btn i {
    font-size: 1.2rem;
}

.carousel-nav-btn:disabled {
    opacity: 0.3;
    cursor: not-allowed;
    pointer-events: none;
}

.service-card {
    background: white;
    padding: 2.5rem;
    border-radius: 0;
    box-shadow: none;
    transition: transform 0.3s ease, border-color 0.3s ease, box-shadow 0.3s ease;
    position: relative;
    border: 1px solid var(--border-color);
    border-left: 4px solid var(--secondary-color);
}

.service-card:hover {
    transform: translate(6px, -4px);
    box-shadow: -8px 12px 36px rgba(7, 20, 34, 0.1);
    border-color: rgba(19, 45, 84, 0.18);
}

.service-card.featured {
    background: var(--gradient-1);
    color: white;
}

.service-card.featured .service-icon {
    background: rgba(255, 255, 255, 0.2);
    color: white;
}

.service-card.featured h3,
.service-card.featured p,
.service-card.featured li {
    color: white;
}

.featured-badge {
    position: absolute;
    top: 16px;
    right: 16px;
    background: var(--secondary-color);
    color: var(--primary-dark);
    padding: 0.35rem 0.75rem;
    border-radius: 0;
    font-size: 0.65rem;
    font-weight: 700;
    letter-spacing: 0.08em;
    text-transform: uppercase;
}

.service-icon {
    width: 72px;
    height: 72px;
    background: #f0e8d4;
    border-radius: 4px;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 1.5rem;
    color: var(--primary-color);
}

.service-icon i {
    font-size: 2.5rem;
}

.service-card h3 {
    font-size: 1.5rem;
    margin-bottom: 1rem;
    color: var(--text-dark);
}

.service-card p {
    color: var(--text-light);
    margin-bottom: 1.5rem;
    line-height: 1.7;
}

.service-features {
    list-style: none;
}

.service-features li {
    padding: 0.5rem 0;
    color: var(--text-light);
    position: relative;
    padding-left: 1.5rem;
}

.service-features li::before {
    content: '\2022';
    color: var(--primary-color);
    font-weight: bold;
    position: absolute;
    left: 0;
    font-size: 1.5rem;
    line-height: 1;
}

.service-card.featured .service-features li::before {
    color: white;
}

/* Why Us Section */
.why-us {
    background: white;
}

.why-us-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 2rem;
}

.why-card {
    text-align: left;
    padding: 2rem 1.5rem;
    border-radius: 0;
    transition: all 0.3s ease;
    border: 1px solid transparent;
    border-left: 3px solid var(--secondary-color);
    background: var(--bg-white);
}

.why-card:hover {
    background: var(--bg-light);
    transform: translateX(6px);
    border-color: var(--border-color);
}

.why-icon {
    width: 72px;
    height: 72px;
    background: var(--primary-dark);
    border-radius: 4px;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 0 1.25rem 0;
    color: var(--secondary-color);
}

.why-icon i {
    font-size: 2.5rem;
}

.why-card h3 {
    font-size: 1.3rem;
    margin-bottom: 1rem;
    color: var(--text-dark);
}

.why-card p {
    color: var(--text-light);
    line-height: 1.7;
}

/* Process Section */
.process {
    background: var(--bg-light);
}

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

.process-timeline::before {
    content: '';
    position: absolute;
    top: 50px;
    left: 10%;
    right: 10%;
    height: 3px;
    background: linear-gradient(90deg, var(--primary-color) 0%, var(--secondary-color) 100%);
    z-index: 0;
}

.process-step {
    position: relative;
    z-index: 1;
}

.step-number {
    width: 88px;
    height: 88px;
    background: var(--primary-dark);
    border-radius: 6px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.85rem;
    font-weight: 700;
    color: var(--secondary-color);
    margin: 0 auto 1.5rem;
    box-shadow: var(--shadow-md);
    border: 3px solid white;
}

.step-content h3 {
    font-size: 1.3rem;
    margin-bottom: 1rem;
    color: var(--text-dark);
    text-align: center;
}

.step-content p {
    color: var(--text-light);
    text-align: center;
    line-height: 1.7;
}

/* Testimonials Section */
.testimonials {
    background: white;
}

.testimonials-auto-scroll {
    overflow: hidden;
    position: relative;
    padding: 20px 0;
}

.testimonials-auto-scroll .testimonials-track {
    display: flex;
    gap: 1.5rem;
    width: fit-content;
    animation: scroll-left 28s linear infinite;
}

.testimonials-auto-scroll .testimonials-track:hover {
    animation-play-state: paused;
}

.testimonial-card {
    background: var(--bg-light);
    padding: 2.5rem;
    border-radius: 0;
    position: relative;
    transition: transform 0.3s ease, box-shadow 0.3s ease;
    flex: 0 0 360px;
    min-width: 360px;
    max-width: 360px;
    border: 1px solid var(--border-color);
    border-left: 4px solid var(--secondary-color);
}

.testimonial-card:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-lg);
}

.quote-icon {
    position: absolute;
    top: 20px;
    right: 30px;
    font-size: 3rem;
    color: var(--primary-color);
    opacity: 0.2;
}

.testimonial-text {
    color: var(--text-light);
    font-size: 1.05rem;
    line-height: 1.8;
    margin-bottom: 2rem;
    font-style: italic;
}

.testimonial-author {
    display: flex;
    align-items: center;
    gap: 1rem;
}

.author-avatar {
    width: 56px;
    height: 56px;
    background: var(--primary-dark);
    border-radius: 4px;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--secondary-color);
    font-weight: 700;
    font-size: 1.1rem;
}

.author-info h4 {
    color: var(--text-dark);
    font-size: 1.1rem;
    margin-bottom: 0.3rem;
}

.author-info span {
    color: var(--text-light);
    font-size: 0.9rem;
}

/* Contact Section */
.contact {
    background: var(--bg-light);
}

.contact-wrapper {
    display: grid;
    grid-template-columns: 1fr 1.2fr;
    gap: 0;
    background: white;
    border-radius: 0;
    overflow: hidden;
    box-shadow: 0 24px 60px rgba(7, 20, 34, 0.08);
    border: 1px solid var(--border-color);
}

.contact-info {
    background: var(--gradient-1);
    color: white;
    padding: 3rem;
    display: flex;
    flex-direction: column;
    justify-content: center;
    border-right: 1px solid rgba(255, 255, 255, 0.12);
}

.contact-info h2 {
    font-size: 2.5rem;
    margin-bottom: 1rem;
}

.contact-info > p {
    margin-bottom: 3rem;
    opacity: 0.9;
    font-size: 1.1rem;
}

.info-items {
    display: flex;
    flex-direction: column;
    gap: 2rem;
    margin-bottom: 3rem;
}

.info-item {
    display: flex;
    gap: 1.5rem;
    align-items: flex-start;
}

.info-item i {
    font-size: 1.5rem;
    margin-top: 0.3rem;
}

.info-item h4 {
    font-size: 1.1rem;
    margin-bottom: 0.5rem;
}

.info-item p {
    opacity: 0.9;
}

.social-links {
    display: flex;
    gap: 1rem;
}

.social-links a {
    width: 50px;
    height: 50px;
    background: rgba(255, 255, 255, 0.2);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: white;
    font-size: 1.3rem;
    transition: all 0.3s ease;
}

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

.contact-form {
    padding: 3rem;
}

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

.form-group input,
.form-group select,
.form-group textarea {
    width: 100%;
    padding: 1rem 1.5rem;
    border: 2px solid var(--border-color);
    border-radius: 4px;
    font-family: 'DM Sans', system-ui, sans-serif;
    font-size: 1rem;
    transition: all 0.3s ease;
    background: var(--bg-light);
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
    outline: none;
    border-color: var(--primary-color);
    background: white;
}

.form-group textarea {
    resize: vertical;
}

/* Footer */
.footer {
    background: #132d54;
    color: white;
    padding: 4rem 0 2rem;
    border-top: 5px solid var(--secondary-color);
}

.footer-content {
    display: grid;
    grid-template-columns: 2fr 1fr 1fr 1fr;
    gap: 3rem;
    margin-bottom: 3rem;
}

.footer-section h3 {
    margin-bottom: 1.5rem;
    font-size: 1.2rem;
}

.footer-section p {
    color: #cbd5e1;
    line-height: 1.8;
    margin-top: 1rem;
}

.footer-section ul {
    list-style: none;
}

.footer-section ul li {
    margin-bottom: 0.8rem;
}

.footer-section ul li a {
    color: #cbd5e1;
    text-decoration: none;
    transition: color 0.3s ease;
}

.footer-section ul li a:hover {
    color: var(--primary-color);
}

.footer-section .contact-info-list li {
    display: flex;
    align-items: flex-start;
    gap: 10px;
    margin-bottom: 1rem;
}

.footer-section .contact-info-list li i {
    color: var(--primary-color);
    margin-top: 3px;
    font-size: 1rem;
}

.footer-section .contact-info-list li a,
.footer-section .contact-info-list li span {
    color: #cbd5e1;
    text-decoration: none;
    transition: color 0.3s ease;
    line-height: 1.6;
}

.footer-section .contact-info-list li a:hover {
    color: var(--primary-color);
}

.footer-section .social-links {
    display: flex;
    gap: 15px;
    margin-top: 20px;
}

.footer-section .social-links a {
    width: 40px;
    height: 40px;
    background: rgba(255, 255, 255, 0.1);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: #cbd5e1;
    font-size: 1.1rem;
    transition: all 0.3s ease;
}

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

.footer-bottom {
    border-top: 1px solid rgba(255, 255, 255, 0.1);
    padding-top: 2rem;
    text-align: center;
}

.footer-bottom p {
    color: #cbd5e1;
    margin-bottom: 0.5rem;
}

.disclaimer {
    font-size: 0.85rem;
    color: #94a3b8;
    font-style: italic;
}

/* Legal Links in Footer */
.footer-legal-links {
    margin-top: 20px;
    padding-top: 15px;
    border-top: 1px solid rgba(255, 255, 255, 0.1);
    text-align: center;
    display: flex;
    flex-wrap: wrap;
    justify-content: center;
    gap: 8px 15px;
}

.footer-legal-links span {
    position: relative;
}

.footer-legal-links span:not(:last-child)::after {
    content: '|';
    position: absolute;
    right: -10px;
    color: rgba(255, 255, 255, 0.3);
}

.footer-legal-links a.legal-link {
    color: #ffffff;
    text-decoration: none;
    font-size: 0.875rem;
    font-weight: 600;
    transition: all 0.3s ease;
}

.footer-legal-links a.legal-link:hover {
    color: var(--secondary-color);
    text-decoration: underline;
}

/* Live MF Section */
.live-mf-section {
    background: linear-gradient(135deg, #faf8f3 0%, #ebe4d1 85%, #f5efd9 100%);
}

.mf-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
    gap: 25px;
    margin-bottom: 2rem;
}

.mf-card {
    background: white;
    border-radius: 0;
    padding: 24px;
    box-shadow: none;
    transition: all 0.3s ease;
    border: 1px solid var(--border-color);
    border-top: 3px solid var(--secondary-color);
}

.mf-card:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-xl);
    border-color: var(--primary-color);
}

.mf-card-header {
    margin-bottom: 20px;
    padding-bottom: 15px;
    border-bottom: 2px solid #f1f5f9;
}

.mf-scheme-name {
    font-size: 1.1rem;
    font-weight: 600;
    color: var(--text-dark);
    margin-bottom: 8px;
    line-height: 1.4;
}

.mf-scheme-type {
    display: inline-block;
    padding: 4px 12px;
    background: var(--gradient-1);
    color: white;
    border-radius: 20px;
    font-size: 0.75rem;
    font-weight: 500;
}

.mf-nav-section {
    margin-bottom: 20px;
    text-align: center;
}

.mf-nav-label {
    font-size: 0.85rem;
    color: var(--text-light);
    margin-bottom: 8px;
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

.mf-nav-value {
    font-size: 2.2rem;
    font-weight: 700;
    color: var(--primary-color);
    margin-bottom: 8px;
}

.mf-change {
    font-size: 0.9rem;
    font-weight: 600;
    padding: 6px 12px;
    border-radius: 6px;
    display: inline-block;
}

.mf-change.positive {
    background: #d1fae5;
    color: #065f46;
}

.mf-change.negative {
    background: #fee2e2;
    color: #991b1b;
}

.mf-change i {
    margin-right: 4px;
}

.mf-details {
    display: flex;
    flex-direction: column;
    gap: 10px;
    margin-bottom: 20px;
}

.mf-detail-item {
    display: flex;
    align-items: center;
    gap: 10px;
    font-size: 0.9rem;
    color: var(--text-light);
}

.mf-detail-item i {
    color: var(--primary-color);
    width: 18px;
}

.mf-card-footer {
    margin-top: 20px;
    padding-top: 15px;
    border-top: 1px solid #f1f5f9;
}

.btn-mf-details {
    width: 100%;
    padding: 10px 20px;
    background: white;
    border: 2px solid var(--primary-color);
    color: var(--primary-color);
    border-radius: 8px;
    font-weight: 600;
    cursor: pointer;
    transition: all 0.3s ease;
}

.btn-mf-details:hover {
    background: var(--primary-color);
    color: white;
    transform: translateY(-2px);
    box-shadow: 0 4px 12px rgba(19, 45, 84, 0.28);
}

.mf-footer {
    text-align: center;
    margin-top: 40px;
}

.last-updated {
    font-size: 0.9rem;
    color: var(--text-light);
    margin-bottom: 15px;
    font-style: italic;
}

.mf-disclaimer {
    font-size: 0.85rem;
    color: var(--text-light);
    max-width: 800px;
    margin: 0 auto;
    line-height: 1.6;
}

.mf-disclaimer a {
    color: var(--primary-color);
    text-decoration: none;
    font-weight: 600;
}

.mf-disclaimer a:hover {
    text-decoration: underline;
}

/* Loading States */
.loading-container {
    text-align: center;
    padding: 60px 20px;
    grid-column: 1 / -1;
}

.spinner {
    width: 50px;
    height: 50px;
    margin: 0 auto 20px;
    border: 4px solid #f3f4f6;
    border-top: 4px solid var(--primary-color);
    border-radius: 50%;
    animation: spin 1s linear infinite;
}

@keyframes spin {
    0% { transform: rotate(0deg); }
    100% { transform: rotate(360deg); }
}

.loading-container p {
    color: var(--text-light);
    font-size: 1rem;
}

/* Modal Styles */
.modal {
    display: none;
    position: fixed;
    z-index: 10000;
    left: 0;
    top: 0;
    width: 100%;
    height: 100%;
    background: rgba(0, 0, 0, 0.6);
    backdrop-filter: blur(4px);
    animation: fadeIn 0.3s ease;
}

.modal-content {
    background: white;
    margin: 5% auto;
    padding: 30px;
    border-radius: 16px;
    width: 90%;
    max-width: 800px;
    max-height: 80vh;
    overflow-y: auto;
    box-shadow: var(--shadow-xl);
    animation: slideUp 0.3s ease;
}

@keyframes slideUp {
    from {
        transform: translateY(50px);
        opacity: 0;
    }
    to {
        transform: translateY(0);
        opacity: 1;
    }
}

.modal-close {
    color: #aaa;
    float: right;
    font-size: 32px;
    font-weight: bold;
    cursor: pointer;
    line-height: 1;
    transition: color 0.3s ease;
}

.modal-close:hover {
    color: var(--text-dark);
}

.modal-body h3 {
    color: var(--text-dark);
    margin-bottom: 20px;
    padding-bottom: 15px;
    border-bottom: 2px solid #f1f5f9;
}

.modal-body h4 {
    color: var(--text-dark);
    margin-top: 25px;
    margin-bottom: 15px;
}

.scheme-details-grid {
    display: grid;
    gap: 15px;
    margin-bottom: 20px;
}

.detail-row {
    display: grid;
    grid-template-columns: 200px 1fr;
    gap: 15px;
    padding: 12px;
    background: #faf8f3;
    border-radius: 8px;
}

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

.detail-row .highlight {
    color: var(--primary-color);
    font-size: 1.3rem;
    font-weight: 700;
}

.nav-history-table {
    overflow-x: auto;
}

.nav-history-table table {
    width: 100%;
    border-collapse: collapse;
}

.nav-history-table th,
.nav-history-table td {
    padding: 12px;
    text-align: left;
    border-bottom: 1px solid #e5e7eb;
}

.nav-history-table th {
    background: #f5efd9;
    color: var(--text-dark);
    font-weight: 600;
}

.nav-history-table .positive {
    color: #059669;
    font-weight: 600;
}

.nav-history-table .negative {
    color: #dc2626;
    font-weight: 600;
}

/* Responsive Design */
@media (max-width: 1024px) {
    .why-us-grid {
        grid-template-columns: repeat(2, 1fr);
    }
    
    .services-grid .service-card {
        flex: 0 0 350px;
        min-width: 350px;
        max-width: 350px;
    }
    
    .services-carousel-wrapper {
        padding: 0 50px;
    }

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

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

@media (max-width: 768px) {
    .top-bar {
        font-size: 0.75rem;
        padding: 8px 0;
    }

    .top-bar-content {
        flex-direction: column;
        gap: 10px;
        text-align: center;
    }

    .top-bar-left {
        flex-direction: column;
        gap: 8px;
    }

    .top-bar-right {
        justify-content: center;
    }

    .navbar {
        top: auto;
    }

    body {
        padding-top: 0;
    }

    .nav-menu {
        position: fixed;
        left: -100%;
        top: 70px;
        flex-direction: column;
        background: #0c1929;
        width: 100%;
        text-align: center;
        transition: left 0.3s ease;
        box-shadow: var(--shadow-lg);
        padding: 2rem 0;
        gap: 1rem;
        border-top: 1px solid rgba(201, 162, 39, 0.35);
    }

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

    .hamburger {
        display: flex;
    }

    .hero-content,
    .about-content,
    .contact-wrapper {
        grid-template-columns: 1fr;
    }

    .contact-info {
        border-right: none;
        border-bottom: 1px solid rgba(255, 255, 255, 0.12);
    }

    .section-header {
        grid-template-columns: 1fr;
        gap: 1rem;
    }

    .section-header .section-tag {
        grid-row: auto;
        writing-mode: horizontal-tb;
        transform: none;
        min-height: unset;
        align-self: start;
        padding: 0.45rem 1rem;
    }

    .hero {
        padding: 4.5rem 0 2rem;
    }

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

    .hero-image-wrapper {
        height: min(280px, 48vw);
    }

    .hero-stats--bar {
        margin-top: 1.25rem;
    }

    .why-us-grid,
    .process-timeline {
        grid-template-columns: 1fr;
    }
    
    .services-grid .service-card {
        flex: 0 0 300px;
        min-width: 300px;
        max-width: 300px;
    }
    
    .services-carousel-wrapper {
        padding: 0 40px;
    }
    
    .carousel-nav-btn {
        width: 40px;
        height: 40px;
    }
    
    .carousel-nav-btn i {
        font-size: 1rem;
    }

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

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

    .detail-row {
        grid-template-columns: 1fr;
        gap: 8px;
    }

    .modal-content {
        width: 95%;
        margin: 10% auto;
        padding: 20px;
    }

    section {
        padding: 60px 0;
    }
}

@media (max-width: 480px) {
    .hero-title {
        font-size: 1.8rem;
    }

    .hero-subtitle {
        font-size: 1rem;
    }

    .hero-buttons {
        flex-direction: column;
    }

    .hero-stats--bar {
        grid-template-columns: 1fr;
    }

    .hero-stats--bar .stat-item {
        border-right: none;
        border-bottom: 1px solid rgba(255, 255, 255, 0.08);
    }

    .hero-stats--bar .stat-item:last-child {
        border-bottom: none;
    }

    .section-header h2 {
        font-size: 2rem;
    }

    .btn {
        padding: 0.8rem 1.5rem;
        font-size: 0.95rem;
    }
}

/* Animation */
@keyframes fadeInUp {
    from {
        opacity: 0;
        transform: translateY(30px);
    }
    to {
        opacity: 1;
        transform: translateY(0);
    }
}

.fade-in-up {
    animation: fadeInUp 0.6s ease-out;
}