/* ============================================
   PRE-APPROVAL ONLINE - MAIN STYLESHEET
   Version: 2.0.0
   Author: Pre-Approval Online Team
   Copyright: 2026 Pre-Approval Online
   ============================================ */

/* ---- Google Fonts Import ---- */
@import url('https://fonts.googleapis.com/css2?family=Cormorant+Garamond:wght@600;700&family=Inter:wght@400;500;600&family=JetBrains+Mono:wght@400&display=swap');

/* ============================================
   CSS CUSTOM PROPERTIES (Design Tokens)
   ============================================ */
:root {
  /* Colors */
  --navy: #1B2A4A;
  --navy-light: #2D4A7C;
  --navy-dark: #121D33;
  --gold: #D4AF37;
  --gold-light: #E8C547;
  --gold-dark: #B8942E;
  --muted-gold: #A68B3C;
  --soft-white: #F8F9FA;
  --white: #FFFFFF;
  --dark-text: #1B2A4A;
  --light-text: #F8F9FA;
  --body-text: #4A5568;
  --subtle-border: rgba(212, 175, 55, 0.3);
  --border-light: #E2E8F0;
  --error: #E53E3E;
  --success: #38A169;

  /* Typography */
  --font-display: 'Cormorant Garamond', Georgia, serif;
  --font-body: 'Inter', system-ui, sans-serif;
  --font-mono: 'JetBrains Mono', monospace;

  /* Spacing */
  --section-pad-mobile: 60px;
  --section-pad-desktop: 100px;
  --content-max-width: 1140px;
  --grid-gap: 30px;
  --card-padding: 32px;
  --component-gap: 24px;

  /* Transitions */
  --transition-fast: 0.2s ease;
  --transition-default: 0.3s ease;
  --transition-slow: 0.6s cubic-bezier(0.23, 1, 0.32, 1);

  /* Border Radius */
  --radius-sm: 8px;
  --radius-md: 12px;
  --radius-lg: 16px;
  --radius-pill: 50px;

  /* Shadows */
  --shadow-sm: 0 2px 8px rgba(27, 42, 74, 0.06);
  --shadow-md: 0 4px 24px rgba(27, 42, 74, 0.08);
  --shadow-lg: 0 8px 40px rgba(27, 42, 74, 0.12);
  --shadow-gold: 0 4px 20px rgba(212, 175, 55, 0.4);
  --shadow-card-hover: 0 12px 48px rgba(27, 42, 74, 0.15);
}

/* ============================================
   RESET & BASE STYLES
   ============================================ */
*, *::before, *::after {
  margin: 0;
  padding: 0;
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
  font-size: 16px;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

body {
  font-family: var(--font-body);
  font-weight: 400;
  line-height: 1.6;
  color: var(--dark-text);
  background-color: var(--soft-white);
  overflow-x: hidden;
}

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

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

ul, ol {
  list-style: none;
}

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

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

/* ============================================
   TYPOGRAPHY
   ============================================ */
.eyebrow {
  font-family: var(--font-mono);
  font-size: 11px;
  font-weight: 400;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--gold);
  display: block;
  margin-bottom: 16px;
}

h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-display);
  font-weight: 600;
  line-height: 1.2;
  color: var(--dark-text);
}

h1 {
  font-size: 36px;
  line-height: 1.1;
  letter-spacing: -0.02em;
}

h2 {
  font-size: 28px;
  letter-spacing: -0.01em;
}

h3 {
  font-size: 22px;
  line-height: 1.3;
}

p {
  color: var(--body-text);
  font-size: 16px;
  line-height: 1.6;
}

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

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

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

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

/* ============================================
   LAYOUT UTILITIES
   ============================================ */
.container {
  max-width: var(--content-max-width);
  margin: 0 auto;
  padding: 0 16px;
}

.section {
  padding: var(--section-pad-mobile) 0;
}

.section-navy {
  background-color: var(--navy);
}

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

.two-column {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--grid-gap);
  align-items: center;
}

.three-column {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--grid-gap);
}

.four-column {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--grid-gap);
}

.grid-2x2 {
  display: grid;
  grid-template-columns: 1fr;
  gap: var(--grid-gap);
}

/* ============================================
   BUTTONS
   ============================================ */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 12px 28px;
  font-family: var(--font-body);
  font-weight: 500;
  font-size: 14px;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  border-radius: var(--radius-pill);
  transition: all var(--transition-default);
  cursor: pointer;
  border: none;
}

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

.btn-primary:hover {
  transform: scale(1.03);
  box-shadow: var(--shadow-gold);
}

.btn-large {
  padding: 16px 40px;
  font-size: 16px;
  font-weight: 600;
}

.btn-full {
  width: 100%;
}

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

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

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

.btn-outline-white:hover {
  background-color: var(--white);
  color: var(--navy);
}

/* ============================================
   CARDS
   ============================================ */
.card {
  background-color: var(--white);
  border-radius: var(--radius-md);
  padding: var(--card-padding);
  box-shadow: var(--shadow-md);
  transition: all var(--transition-default);
}

.card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-card-hover);
}

.card-lg {
  border-radius: var(--radius-lg);
  padding: 40px;
}

/* ============================================
   NAVIGATION
   ============================================ */
.navbar {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  height: 72px;
  z-index: 1000;
  transition: all var(--transition-default);
  background-color: transparent;
}

.navbar.scrolled {
  background-color: var(--navy);
  box-shadow: 0 2px 20px rgba(0, 0, 0, 0.1);
}

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

.logo {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
}

.logo-text {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 24px;
  color: var(--gold);
  line-height: 1;
}

.logo-sub {
  font-family: var(--font-mono);
  font-size: 10px;
  letter-spacing: 0.2em;
  color: var(--muted-gold);
  margin-top: 2px;
}

.nav-links {
  display: none;
  align-items: center;
  gap: 32px;
}

.nav-links a {
  font-family: var(--font-body);
  font-weight: 500;
  font-size: 14px;
  color: var(--light-text);
  transition: color var(--transition-default);
}

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

.nav-cta {
  display: none;
}

.hamburger {
  display: flex;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  z-index: 1001;
}

.hamburger span {
  display: block;
  width: 24px;
  height: 2px;
  background-color: var(--gold);
  transition: all var(--transition-default);
}

.hamburger.active span:nth-child(1) {
  transform: rotate(45deg) translate(5px, 5px);
}

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

.hamburger.active span:nth-child(3) {
  transform: rotate(-45deg) translate(5px, -5px);
}

.mobile-menu {
  position: fixed;
  top: 0;
  right: -100%;
  width: 80%;
  max-width: 320px;
  height: 100vh;
  background-color: var(--navy);
  z-index: 999;
  padding: 100px 40px 40px;
  transition: right var(--transition-default);
  display: flex;
  flex-direction: column;
  gap: 24px;
}

.mobile-menu.active {
  right: 0;
}

.mobile-menu a {
  font-family: var(--font-body);
  font-weight: 500;
  font-size: 18px;
  color: var(--gold);
  padding: 8px 0;
  border-bottom: 1px solid var(--subtle-border);
}

.mobile-overlay {
  position: fixed;
  inset: 0;
  background-color: rgba(0, 0, 0, 0.5);
  z-index: 998;
  opacity: 0;
  visibility: hidden;
  transition: all var(--transition-default);
}

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

/* ============================================
   HERO SECTION
   ============================================ */
.hero {
  min-height: 100vh;
  background-color: var(--navy);
  position: relative;
  display: flex;
  align-items: center;
  padding-top: 72px;
  overflow: hidden;
}

.hero-mesh {
  position: absolute;
  inset: 0;
  overflow: hidden;
  pointer-events: none;
  z-index: 0;
}

.mesh-blob {
  position: absolute;
  border-radius: 50%;
  filter: blur(80px);
}

.mesh-blob:nth-child(1) {
  width: 600px;
  height: 600px;
  background: radial-gradient(circle, rgba(212, 175, 55, 0.05) 0%, transparent 70%);
  top: -10%;
  left: -10%;
  animation: blob1 20s infinite ease-in-out;
}

.mesh-blob:nth-child(2) {
  width: 500px;
  height: 500px;
  background: radial-gradient(circle, rgba(212, 175, 55, 0.04) 0%, transparent 70%);
  top: 40%;
  right: -5%;
  animation: blob2 25s infinite ease-in-out;
}

.mesh-blob:nth-child(3) {
  width: 400px;
  height: 400px;
  background: radial-gradient(circle, rgba(166, 139, 60, 0.035) 0%, transparent 70%);
  bottom: -10%;
  left: 30%;
  animation: blob3 22s infinite ease-in-out;
}

.mesh-blob:nth-child(4) {
  width: 350px;
  height: 350px;
  background: radial-gradient(circle, rgba(212, 175, 55, 0.03) 0%, transparent 70%);
  top: 20%;
  left: 50%;
  animation: blob4 18s infinite ease-in-out;
}

@keyframes blob1 {
  0%, 100% { transform: translate(0, 0) scale(1); }
  50% { transform: translate(100px, 50px) scale(1.1); }
}

@keyframes blob2 {
  0%, 100% { transform: translate(0, 0) scale(1); }
  50% { transform: translate(-80px, 60px) scale(0.9); }
}

@keyframes blob3 {
  0%, 100% { transform: translate(0, 0) scale(1); }
  50% { transform: translate(60px, -40px) scale(1.05); }
}

@keyframes blob4 {
  0%, 100% { transform: translate(0, 0) scale(1); }
  50% { transform: translate(-50px, -30px) scale(0.95); }
}

.hero .container {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: 1fr;
  gap: 40px;
  align-items: center;
}

.hero-content {
  max-width: 520px;
}

.hero h1 {
  color: var(--white);
  margin-bottom: 8px;
}

.hero h1 .gold-text {
  color: var(--gold);
  font-weight: 700;
}

.hero-subtitle {
  color: var(--light-text);
  opacity: 0.85;
  margin: 20px 0 32px;
  font-size: 16px;
  max-width: 480px;
}

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

.hero-cta .link-gold {
  color: var(--gold);
  font-weight: 500;
  font-size: 14px;
  text-decoration: underline;
  text-underline-offset: 4px;
}

.hero-cta .link-gold:hover {
  color: var(--gold-light);
}

/* Hero Card Stack - 3D */
.hero-visual {
  display: none;
  justify-content: center;
  align-items: center;
}

.card-stack {
  position: relative;
  width: 340px;
  height: 420px;
  perspective: 1000px;
  transform-style: preserve-3d;
}

.card-stack .card-3d {
  position: absolute;
  width: 300px;
  height: 190px;
  border-radius: 16px;
  transform-style: preserve-3d;
  box-shadow: 0 10px 30px rgba(0, 0, 0, 0.3);
  transition: transform var(--transition-slow);
  background: linear-gradient(135deg, #1B2A4A 0%, #2D4A7C 100%);
  border: 1px solid var(--subtle-border);
  overflow: hidden;
}

.card-3d::after {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(105deg, transparent 40%, rgba(255, 255, 255, 0.15) 45%, rgba(255, 255, 255, 0.25) 50%, rgba(255, 255, 255, 0.15) 55%, transparent 60%);
  transform: translateX(-100%);
  transition: transform var(--transition-slow);
  pointer-events: none;
  border-radius: 16px;
}

.card-stack:hover .card-3d::after {
  transform: translateX(100%);
}

.card-3d:nth-child(1) {
  top: 0;
  z-index: 3;
}

.card-3d:nth-child(2) {
  top: 30px;
  z-index: 2;
  transform: rotateZ(-2deg);
}

.card-3d:nth-child(3) {
  top: 60px;
  z-index: 1;
  transform: rotateZ(2deg);
}

.card-stack:hover .card-3d {
  transform: translateY(var(--y)) rotateZ(var(--r));
}

.card-stack:hover .card-3d:nth-child(1) {
  --y: -80px;
  --r: -5deg;
}

.card-stack:hover .card-3d:nth-child(2) {
  --y: 0px;
  --r: 0deg;
}

.card-stack:hover .card-3d:nth-child(3) {
  --y: 80px;
  --r: 5deg;
}

.card-face {
  position: absolute;
  inset: 0;
  border-radius: 16px;
  backface-visibility: hidden;
  padding: 20px;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
}

.card-face.front {
  background: linear-gradient(135deg, #1B2A4A 0%, #2D4A7C 50%, #1B2A4A 100%);
}

.card-bank-logo {
  width: 28px;
  height: 28px;
  background: var(--gold);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 14px;
  color: var(--navy);
}

.card-chip {
  width: 36px;
  height: 26px;
  background: linear-gradient(135deg, #D4AF37, #B8942E);
  border-radius: 6px;
  margin-top: 12px;
}

.card-nfc {
  position: absolute;
  top: 20px;
  right: 20px;
  width: 24px;
  height: 24px;
}

.card-nfc svg {
  width: 100%;
  height: 100%;
  stroke: var(--gold);
  fill: none;
  stroke-width: 2;
}

.card-number {
  font-family: var(--font-mono);
  font-size: 16px;
  color: var(--white);
  letter-spacing: 2px;
}

.card-details {
  display: flex;
  justify-content: space-between;
  align-items: flex-end;
}

.card-holder {
  font-family: var(--font-body);
  font-size: 10px;
  text-transform: uppercase;
  color: var(--light-text);
  letter-spacing: 1px;
}

.card-expiry {
  font-family: var(--font-mono);
  font-size: 10px;
  color: var(--light-text);
}

/* Hero Mobile Image */
.hero-mobile-img {
  display: block;
  max-width: 300px;
  margin: 0 auto;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
}

/* ============================================
   TRUST BAR
   ============================================ */
.trust-bar {
  background-color: var(--navy);
  border-top: 1px solid var(--subtle-border);
  padding: 24px 0;
}

.trust-items {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 16px;
}

.trust-item {
  display: flex;
  align-items: center;
  gap: 10px;
  font-family: var(--font-body);
  font-weight: 500;
  font-size: 13px;
  color: var(--light-text);
}

.trust-item svg {
  width: 20px;
  height: 20px;
  flex-shrink: 0;
  color: var(--gold);
}

/* ============================================
   HOW IT WORKS SECTION
   ============================================ */
.section-header {
  text-align: center;
  max-width: 560px;
  margin: 0 auto 48px;
}

.section-header h2 {
  color: var(--navy);
  margin-bottom: 12px;
}

.section-header p {
  color: var(--body-text);
}

.section-navy .section-header h2 {
  color: var(--gold);
}

.section-navy .section-header p {
  color: var(--light-text);
  opacity: 0.8;
}

.step-card {
  background-color: var(--white);
  border-radius: var(--radius-md);
  padding: var(--card-padding);
  box-shadow: var(--shadow-sm);
  text-align: center;
  transition: all var(--transition-default);
}

.step-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
}

.step-number {
  width: 48px;
  height: 48px;
  border: 2px solid var(--gold);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 20px;
  color: var(--navy);
  margin: 0 auto 20px;
}

.step-card h3 {
  margin-bottom: 12px;
  color: var(--navy);
}

.step-icon {
  width: 80px;
  height: 80px;
  margin: 0 auto 20px;
  background: linear-gradient(135deg, rgba(212, 175, 55, 0.1), rgba(212, 175, 55, 0.05));
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
}

.step-icon svg {
  width: 40px;
  height: 40px;
  color: var(--gold);
}

/* ============================================
   FEATURED CARDS SECTION
   ============================================ */
.card-showcase {
  display: grid;
  gap: var(--grid-gap);
}

.card-product {
  background-color: var(--white);
  border-radius: var(--radius-lg);
  padding: 24px;
  transition: all var(--transition-default);
  display: flex;
  flex-direction: column;
}

.card-product:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-card-hover);
}

.card-product-image {
  width: 100%;
  height: 180px;
  object-fit: contain;
  margin-bottom: 20px;
  border-radius: var(--radius-sm);
}

.card-product h3 {
  margin-bottom: 8px;
  color: var(--navy);
}

.card-product .bank-name {
  font-family: var(--font-mono);
  font-size: 11px;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--muted-gold);
  margin-bottom: 12px;
}

.card-product ul {
  margin-bottom: 20px;
  flex-grow: 1;
}

.card-product ul li {
  padding: 6px 0;
  font-size: 14px;
  color: var(--body-text);
  display: flex;
  align-items: flex-start;
  gap: 8px;
}

.card-product ul li::before {
  content: '✓';
  color: var(--success);
  font-weight: 700;
  flex-shrink: 0;
}

/* ============================================
   TESTIMONIALS
   ============================================ */
.testimonial-card {
  background-color: var(--white);
  border-radius: var(--radius-md);
  padding: 28px;
  box-shadow: var(--shadow-sm);
}

.stars {
  display: flex;
  gap: 4px;
  margin-bottom: 16px;
}

.stars svg {
  width: 18px;
  height: 18px;
  color: var(--gold);
  fill: var(--gold);
}

.testimonial-text {
  font-style: italic;
  color: var(--body-text);
  margin-bottom: 20px;
  line-height: 1.7;
}

.testimonial-divider {
  height: 1px;
  background-color: var(--subtle-border);
  margin-bottom: 16px;
}

.testimonial-author {
  font-weight: 600;
  color: var(--navy);
  font-size: 14px;
}

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

/* ============================================
   CTA SECTION
   ============================================ */
.cta-section {
  background-color: var(--navy);
  position: relative;
  overflow: hidden;
}

.cta-section::before {
  content: '';
  position: absolute;
  top: 50%;
  left: 50%;
  transform: translate(-50%, -50%);
  width: 600px;
  height: 600px;
  background: radial-gradient(circle, rgba(212, 175, 55, 0.08) 0%, transparent 60%);
  pointer-events: none;
}

.cta-section .container {
  position: relative;
  z-index: 1;
  text-align: center;
}

.cta-section h2 {
  color: var(--gold);
  margin-bottom: 16px;
}

.cta-section p {
  color: var(--light-text);
  opacity: 0.85;
  max-width: 520px;
  margin: 0 auto 32px;
}

.cta-note {
  font-family: var(--font-mono);
  font-size: 11px;
  color: var(--light-text);
  opacity: 0.6;
  margin-top: 20px;
}

/* ============================================
   FOOTER
   ============================================ */
.footer {
  background-color: var(--navy);
  border-top: 1px solid var(--subtle-border);
  padding: 60px 0 30px;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 40px;
  margin-bottom: 40px;
}

.footer-brand .logo-text {
  font-size: 20px;
  margin-bottom: 4px;
}

.footer-brand .logo-sub {
  margin-bottom: 16px;
}

.footer-brand p {
  font-size: 14px;
  color: var(--light-text);
  opacity: 0.7;
  margin-bottom: 16px;
}

.footer-brand .copyright {
  font-size: 12px;
  color: var(--light-text);
  opacity: 0.5;
}

.footer-column h4 {
  font-family: var(--font-body);
  font-weight: 600;
  font-size: 14px;
  color: var(--light-text);
  margin-bottom: 20px;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

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

.footer-column ul li a {
  font-size: 14px;
  color: var(--light-text);
  opacity: 0.8;
  transition: all var(--transition-default);
}

.footer-column ul li a:hover {
  color: var(--gold);
  opacity: 1;
}

.footer-support a {
  color: var(--gold);
  text-decoration: underline;
  text-underline-offset: 4px;
  font-size: 14px;
}

.footer-support p {
  font-size: 13px;
  color: var(--light-text);
  opacity: 0.6;
  margin-top: 8px;
}

.footer-bottom {
  border-top: 1px solid var(--subtle-border);
  padding-top: 20px;
  text-align: center;
}

.footer-bottom p {
  font-size: 12px;
  color: var(--light-text);
  opacity: 0.5;
}

/* ============================================
   PAGE HEADER
   ============================================ */
.page-header {
  background-color: var(--navy);
  min-height: 30vh;
  display: flex;
  align-items: center;
  justify-content: center;
  text-align: center;
  padding: 120px 16px 60px;
  position: relative;
  overflow: hidden;
}

.page-header::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(circle at 50% 100%, rgba(212, 175, 55, 0.05) 0%, transparent 50%);
}

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

.page-header h1 {
  color: var(--white);
  font-weight: 700;
  margin-bottom: 12px;
}

.page-header p {
  color: var(--light-text);
  opacity: 0.8;
  max-width: 600px;
  margin: 0 auto;
}

.page-header-lg {
  min-height: 40vh;
}

/* ============================================
   FORMS
   ============================================ */
.form-card {
  background-color: var(--white);
  border-radius: var(--radius-lg);
  padding: 32px;
  box-shadow: var(--shadow-lg);
  max-width: 700px;
  margin: 0 auto;
}

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

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

.form-group label {
  font-family: var(--font-body);
  font-weight: 500;
  font-size: 13px;
  color: var(--navy);
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-bottom: 8px;
}

.form-group label .required {
  color: var(--gold);
}

.form-group input,
.form-group textarea,
.form-group select {
  padding: 14px 16px;
  border: 1px solid var(--border-light);
  border-radius: var(--radius-sm);
  font-size: 15px;
  color: var(--dark-text);
  transition: all var(--transition-fast);
  background-color: var(--white);
}

.form-group input:focus,
.form-group textarea:focus,
.form-group select:focus {
  outline: none;
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(212, 175, 55, 0.15);
}

.form-group input::placeholder,
.form-group textarea::placeholder {
  color: #A0AEC0;
}

.form-helper {
  font-size: 12px;
  color: var(--body-text);
  margin-top: 6px;
}

.security-notice {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 16px;
  background-color: rgba(212, 175, 55, 0.08);
  border-radius: var(--radius-sm);
  margin-bottom: 20px;
  font-weight: 500;
  font-size: 13px;
  color: var(--navy);
}

.security-notice svg {
  width: 18px;
  height: 18px;
  color: var(--success);
}

.form-terms {
  font-size: 12px;
  color: var(--body-text);
  text-align: center;
  margin-top: 20px;
}

.form-terms a {
  color: var(--gold);
  text-decoration: underline;
}

/* ============================================
   ACCORDION (FAQ)
   ============================================ */
.accordion {
  max-width: 800px;
  margin: 0 auto;
}

.accordion-item {
  background-color: var(--white);
  border-radius: var(--radius-sm);
  margin-bottom: 12px;
  overflow: hidden;
  box-shadow: var(--shadow-sm);
}

.accordion-header {
  width: 100%;
  padding: 20px 24px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-family: var(--font-body);
  font-weight: 600;
  font-size: 16px;
  color: var(--navy);
  cursor: pointer;
  transition: background-color var(--transition-fast);
  border: none;
  background: none;
  text-align: left;
}

.accordion-header:hover {
  background-color: rgba(212, 175, 55, 0.05);
}

.accordion-icon {
  width: 20px;
  height: 20px;
  flex-shrink: 0;
  transition: transform var(--transition-default);
  color: var(--gold);
}

.accordion-item.active .accordion-icon {
  transform: rotate(180deg);
}

.accordion-body {
  max-height: 0;
  overflow: hidden;
  transition: max-height var(--transition-default);
}

.accordion-item.active .accordion-body {
  max-height: 300px;
}

.accordion-content {
  padding: 0 24px 20px;
  color: var(--body-text);
  font-size: 15px;
  line-height: 1.7;
}

/* ============================================
   RESULT PAGE
   ============================================ */
.result-card {
  background-color: var(--white);
  border-radius: var(--radius-lg);
  padding: 48px;
  box-shadow: var(--shadow-lg);
  max-width: 600px;
  margin: 0 auto;
  text-align: center;
}

.result-icon {
  width: 80px;
  height: 80px;
  background: linear-gradient(135deg, var(--gold), var(--muted-gold));
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 24px;
}

.result-icon svg {
  width: 40px;
  height: 40px;
  color: var(--white);
}

.approval-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 8px 20px;
  background: linear-gradient(135deg, rgba(56, 161, 105, 0.1), rgba(56, 161, 105, 0.05));
  border: 1px solid rgba(56, 161, 105, 0.3);
  border-radius: var(--radius-pill);
  font-weight: 600;
  font-size: 14px;
  color: var(--success);
  margin-bottom: 24px;
}

.bank-result-logo {
  max-width: 280px;
  margin: 0 auto 24px;
  border-radius: var(--radius-md);
}

.result-bank-name {
  font-family: var(--font-display);
  font-size: 32px;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 8px;
}

.result-card-name {
  font-size: 18px;
  color: var(--body-text);
  margin-bottom: 24px;
}

.guarantee-text {
  font-size: 18px;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 24px;
  padding: 20px;
  background: linear-gradient(135deg, rgba(212, 175, 55, 0.1), rgba(212, 175, 55, 0.05));
  border-radius: var(--radius-sm);
  border: 1px solid var(--subtle-border);
}

.guarantee-text .percentage {
  font-size: 36px;
  font-weight: 700;
  color: var(--gold);
  display: block;
  margin-bottom: 8px;
}

/* Loading Animation */
.loading-container {
  text-align: center;
  padding: 60px 20px;
}

.loading-spinner {
  width: 60px;
  height: 60px;
  border: 4px solid var(--subtle-border);
  border-top-color: var(--gold);
  border-radius: 50%;
  animation: spin 1s linear infinite;
  margin: 0 auto 24px;
}

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

.loading-text {
  font-family: var(--font-display);
  font-size: 24px;
  color: var(--navy);
  margin-bottom: 12px;
}

.loading-subtext {
  font-size: 14px;
  color: var(--body-text);
}

.loading-steps {
  max-width: 400px;
  margin: 32px auto 0;
}

.loading-step {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 12px 0;
  opacity: 0.4;
  transition: opacity var(--transition-default);
}

.loading-step.active {
  opacity: 1;
}

.loading-step.completed {
  opacity: 0.7;
}

.step-check {
  width: 24px;
  height: 24px;
  border: 2px solid var(--gold);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.loading-step.completed .step-check,
.loading-step.active .step-check {
  background-color: var(--gold);
  color: var(--white);
}

.loading-step.completed .step-check svg,
.loading-step.active .step-check svg {
  width: 14px;
  height: 14px;
}

.step-label {
  font-size: 14px;
  color: var(--navy);
}

/* ============================================
   COMPARISON TABLE
   ============================================ */
.comparison-table-wrapper {
  overflow-x: auto;
  margin-top: 40px;
}

.comparison-table {
  width: 100%;
  min-width: 700px;
  border-collapse: collapse;
}

.comparison-table th {
  background-color: var(--gold);
  color: var(--navy);
  font-weight: 600;
  font-size: 13px;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  padding: 16px;
  text-align: left;
}

.comparison-table th:first-child {
  border-radius: var(--radius-sm) 0 0 0;
}

.comparison-table th:last-child {
  border-radius: 0 var(--radius-sm) 0 0;
}

.comparison-table td {
  padding: 16px;
  font-size: 14px;
  color: var(--light-text);
  border-bottom: 1px solid var(--subtle-border);
}

.comparison-table tr:nth-child(even) td {
  background-color: rgba(255, 255, 255, 0.03);
}

.comparison-table tr:hover td {
  background-color: rgba(212, 175, 55, 0.05);
}

/* ============================================
   STATS
   ============================================ */
.stats-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 20px;
}

.stat-box {
  background-color: var(--white);
  border-radius: var(--radius-md);
  padding: 24px;
  text-align: center;
  box-shadow: var(--shadow-sm);
  border-left: 4px solid var(--gold);
}

.stat-number {
  font-family: var(--font-display);
  font-size: 32px;
  font-weight: 700;
  color: var(--navy);
  display: block;
  margin-bottom: 4px;
}

.stat-label {
  font-size: 13px;
  color: var(--body-text);
}

/* ============================================
   PARTNER LOGOS
   ============================================ */
.partner-card {
  background-color: var(--white);
  border-radius: var(--radius-md);
  padding: 24px;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: var(--shadow-sm);
  transition: all var(--transition-default);
}

.partner-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
}

.partner-card img {
  max-height: 60px;
  object-fit: contain;
}

/* ============================================
   CONTACT FORM
   ============================================ */
.contact-form .form-group {
  margin-bottom: 20px;
}

.contact-form textarea {
  min-height: 120px;
  resize: vertical;
}

.contact-info {
  background-color: var(--navy);
  border-radius: var(--radius-lg);
  padding: 32px;
  color: var(--light-text);
}

.contact-info h3 {
  color: var(--gold);
  margin-bottom: 20px;
}

.contact-item {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  margin-bottom: 20px;
}

.contact-item svg {
  width: 20px;
  height: 20px;
  color: var(--gold);
  flex-shrink: 0;
  margin-top: 2px;
}

.contact-item strong {
  display: block;
  color: var(--light-text);
  margin-bottom: 4px;
}

.contact-item p,
.contact-item a {
  font-size: 14px;
  color: var(--light-text);
  opacity: 0.8;
}

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

/* ============================================
   CONTENT PAGE STYLES (Privacy/Terms)
   ============================================ */
.content-card {
  background-color: var(--white);
  border-radius: var(--radius-lg);
  padding: 40px;
  max-width: 800px;
  margin: 0 auto;
  box-shadow: var(--shadow-md);
}

.content-card h2 {
  color: var(--navy);
  margin: 32px 0 16px;
  font-size: 22px;
}

.content-card h2:first-child {
  margin-top: 0;
}

.content-card p {
  margin-bottom: 16px;
  color: var(--body-text);
}

.content-card ul {
  margin-bottom: 16px;
  padding-left: 20px;
}

.content-card ul li {
  list-style: disc;
  margin-bottom: 8px;
  color: var(--body-text);
}

.last-updated {
  margin-top: 40px;
  padding-top: 20px;
  border-top: 1px solid var(--border-light);
  font-size: 13px;
  color: var(--body-text);
  font-style: italic;
}

/* ============================================
   COOKIE CONSENT
   ============================================ */
.cookie-banner {
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  background-color: var(--navy);
  padding: 16px 20px;
  z-index: 9999;
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: center;
  gap: 12px;
  box-shadow: 0 -4px 20px rgba(0, 0, 0, 0.2);
  transform: translateY(100%);
  transition: transform var(--transition-default);
}

.cookie-banner.show {
  transform: translateY(0);
}

.cookie-banner p {
  font-size: 13px;
  color: var(--light-text);
  margin: 0;
}

.cookie-banner a {
  color: var(--gold);
  text-decoration: underline;
}

.cookie-btn {
  padding: 8px 20px;
  font-size: 12px;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  border-radius: var(--radius-pill);
  cursor: pointer;
  transition: all var(--transition-fast);
}

.cookie-btn-accept {
  background-color: var(--gold);
  color: var(--navy);
  border: none;
}

.cookie-btn-accept:hover {
  background-color: var(--gold-light);
}

.cookie-btn-decline {
  background-color: transparent;
  color: var(--light-text);
  border: 1px solid var(--subtle-border);
}

.cookie-btn-decline:hover {
  border-color: var(--gold);
  color: var(--gold);
}

/* ============================================
   BACK TO TOP BUTTON
   ============================================ */
.back-to-top {
  position: fixed;
  bottom: 24px;
  right: 24px;
  width: 44px;
  height: 44px;
  background-color: var(--gold);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  z-index: 999;
  opacity: 0;
  visibility: hidden;
  transform: translateY(20px);
  transition: all var(--transition-default);
  box-shadow: var(--shadow-gold);
}

.back-to-top.visible {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}

.back-to-top:hover {
  transform: translateY(-4px);
  box-shadow: 0 8px 24px rgba(212, 175, 55, 0.5);
}

.back-to-top svg {
  width: 20px;
  height: 20px;
  color: var(--navy);
}

/* ============================================
   ANIMATIONS
   ============================================ */
.fade-in {
  opacity: 0;
  transform: translateY(40px);
  transition: opacity 0.8s ease, transform 0.8s ease;
}

.fade-in.visible {
  opacity: 1;
  transform: translateY(0);
}

.stagger-1 { transition-delay: 0.1s; }
.stagger-2 { transition-delay: 0.2s; }
.stagger-3 { transition-delay: 0.3s; }
.stagger-4 { transition-delay: 0.4s; }

/* ============================================
   DESKTOP STYLES (992px+)
   ============================================ */
@media (min-width: 992px) {
  h1 {
    font-size: 56px;
  }

  h2 {
    font-size: 42px;
  }

  h3 {
    font-size: 26px;
  }

  .section {
    padding: var(--section-pad-desktop) 0;
  }

  .container {
    padding: 0 24px;
  }

  .two-column {
    grid-template-columns: 55% 45%;
  }

  .two-column-reverse {
    grid-template-columns: 45% 55%;
  }

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

  .four-column {
    grid-template-columns: repeat(4, 1fr);
  }

  .grid-2x2 {
    grid-template-columns: repeat(2, 1fr);
  }

  .nav-links {
    display: flex;
  }

  .nav-cta {
    display: block;
  }

  .hamburger {
    display: none;
  }

  .hero .container {
    grid-template-columns: 55% 45%;
  }

  .hero-visual {
    display: flex;
  }

  .hero-mobile-img {
    display: none;
  }

  .trust-items {
    grid-template-columns: repeat(4, 1fr);
    justify-items: center;
  }

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

  .footer-grid {
    grid-template-columns: 2fr 1fr 1fr 1.5fr;
  }

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

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

  .stats-grid {
    grid-template-columns: repeat(4, 1fr);
  }

  .page-header {
    min-height: 35vh;
  }

  .page-header-lg {
    min-height: 45vh;
  }

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

/* ============================================
   TABLET STYLES (768px - 991px)
   ============================================ */
@media (min-width: 768px) and (max-width: 991px) {
  h1 {
    font-size: 44px;
  }

  h2 {
    font-size: 34px;
  }

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

  .three-column .step-card:last-child {
    grid-column: 1 / -1;
    max-width: 50%;
    margin: 0 auto;
  }

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

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

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

/* ============================================
   PRINT STYLES
   ============================================ */
@media print {
  .navbar,
  .hero-visual,
  .back-to-top,
  .cookie-banner,
  .btn {
    display: none !important;
  }

  body {
    color: #000;
    background: #fff;
  }

  .card,
  .card-product,
  .testimonial-card {
    box-shadow: none;
    border: 1px solid #ddd;
    break-inside: avoid;
  }
}