@import url('https://fonts.googleapis.com/css2?family=Outfit:wght@300;400;500;600;700;800&family=Space+Grotesk:wght@300;400;500;600;700&display=swap');

/* ==========================================
   DESIGN SYSTEM TOKENS & RESET — ZEM FINANCIAL
   White & Blue Light Theme
   ========================================== */
:root {
    /* Background Palette — Light */
    --color-bg-primary: #ffffff;
    --color-bg-secondary: #f0f6ff;
    --color-bg-tertiary: #e1eeff;
    --color-bg-card: rgba(255, 255, 255, 0.85);
    --color-bg-dark: #0a1628;
    --color-bg-dark-2: #0f2044;

    /* Blue Primary */
    --color-primary: #1a56db;
    --color-primary-light: #3b82f6;
    --color-primary-dark: #1240a8;
    --color-primary-pale: #eff6ff;
    --color-primary-glow: rgba(26, 86, 219, 0.15);

    /* Navy Accent */
    --color-navy: #0a1628;
    --color-navy-2: #162040;

    /* Success */
    --color-success: #059669;
    --color-success-dim: rgba(5, 150, 105, 0.1);

    /* Text */
    --color-text-primary: #0a1628;
    --color-text-secondary: #475569;
    --color-text-muted: #94a3b8;
    --color-text-on-dark: #f0f6ff;
    --color-text-on-dark-2: #94b4d4;

    /* Borders & Effects */
    --color-border: rgba(26, 86, 219, 0.12);
    --color-border-hover: rgba(26, 86, 219, 0.35);
    --color-border-light: rgba(0, 0, 0, 0.07);
    --color-glow: rgba(26, 86, 219, 0.08);
    --color-glow-strong: rgba(26, 86, 219, 0.18);

    /* Fonts */
    --font-sans: 'Outfit', -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
    --font-display: 'Space Grotesk', -apple-system, sans-serif;

    /* Spacing & Borders */
    --radius-sm: 10px;
    --radius-md: 18px;
    --radius-lg: 28px;
    --transition-smooth: all 0.4s cubic-bezier(0.16, 1, 0.3, 1);
    --transition-fast: all 0.2s ease;

    --container-max-width: 1300px;
}

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

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

body {
    background-color: var(--color-bg-primary);
    color: var(--color-text-primary);
    font-family: var(--font-sans);
    line-height: 1.65;
    overflow-x: hidden;
}

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

button, input, select {
    font-family: inherit;
    font-size: inherit;
    border: none;
    outline: none;
    background: none;
}

/* ==========================================
   UTILITY CLASSES
   ========================================== */
.container {
    width: 100%;
    max-width: var(--container-max-width);
    margin: 0 auto;
    padding: 0 2.5rem;
}

/* text-blue: visible on WHITE/LIGHT backgrounds */
.text-blue {
    background: linear-gradient(135deg, var(--color-primary), var(--color-primary-light));
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
}

/* Override inside dark hero — use bright sky blue */
.hero .text-blue {
    background: linear-gradient(135deg, #93c5fd, #60a5fa);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
}

/* text-gradient: visible on WHITE/LIGHT backgrounds */
.text-gradient {
    background: linear-gradient(135deg, var(--color-navy) 20%, var(--color-primary) 100%);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
}

/* Override inside dark hero — white to sky blue */
.hero .text-gradient {
    background: linear-gradient(135deg, #ffffff 30%, #93c5fd 100%);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
}



.text-gradient-light {
    background: linear-gradient(135deg, #ffffff 20%, #bfdbfe 100%);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
}

.bg-glass {
    background: var(--color-bg-card);
    backdrop-filter: blur(20px);
    -webkit-backdrop-filter: blur(20px);
    border: 1px solid var(--color-border-light);
    box-shadow: 0 4px 24px rgba(0, 0, 0, 0.06);
}

.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 0.5rem;
    padding: 0.9rem 2.25rem;
    border-radius: var(--radius-sm);
    font-weight: 600;
    font-size: 0.95rem;
    letter-spacing: 0.3px;
    cursor: pointer;
    transition: var(--transition-smooth);
    position: relative;
    overflow: hidden;
}

.btn-primary {
    background: linear-gradient(135deg, var(--color-primary), var(--color-primary-dark));
    color: #ffffff;
    font-weight: 700;
    box-shadow: 0 4px 20px rgba(26, 86, 219, 0.3), 0 0 0 1px rgba(26, 86, 219, 0.1);
}

.btn-primary::after {
    content: '';
    position: absolute;
    inset: 0;
    background: linear-gradient(135deg, rgba(255,255,255,0.12), transparent);
    opacity: 0;
    transition: opacity 0.3s ease;
}

.btn-primary:hover {
    transform: translateY(-3px);
    box-shadow: 0 8px 32px rgba(26, 86, 219, 0.4);
}

.btn-primary:hover::after {
    opacity: 1;
}

.btn-secondary {
    border: 1.5px solid var(--color-border-hover);
    color: var(--color-primary);
    background: transparent;
    font-weight: 600;
}

.btn-secondary:hover {
    background: var(--color-primary-pale);
    transform: translateY(-2px);
    box-shadow: 0 4px 16px rgba(26, 86, 219, 0.12);
}

/* Scroll Animation classes */
.reveal {
    opacity: 0;
    transform: translateY(32px);
    transition: opacity 0.85s ease, transform 0.85s cubic-bezier(0.16, 1, 0.3, 1);
}

.reveal.active {
    opacity: 1;
    transform: translateY(0);
}

/* ==========================================
   HEADER / NAVIGATION
   ========================================== */
.header-nav {
    position: fixed;
    top: 0;
    left: 0;
    width: 100%;
    z-index: 1000;
    transition: var(--transition-smooth);
    border-bottom: 1px solid transparent;
    background: rgba(255, 255, 255, 0.95);
    backdrop-filter: blur(16px);
    -webkit-backdrop-filter: blur(16px);
    border-bottom: 1px solid var(--color-border-light);
    box-shadow: 0 2px 20px rgba(0, 0, 0, 0.06);
}

.header-nav.scrolled {
    background: rgba(255, 255, 255, 0.98);
    border-bottom: 1px solid rgba(26, 86, 219, 0.1);
    box-shadow: 0 4px 30px rgba(0, 0, 0, 0.1);
}

.nav-container {
    display: flex;
    justify-content: space-between;
    align-items: center;
    height: 80px;
    transition: var(--transition-smooth);
}

.header-nav.scrolled .nav-container {
    height: 64px;
}

.logo {
    display: flex;
    align-items: center;
    gap: 0.75rem;
    font-family: var(--font-display);
    font-weight: 700;
    font-size: 1.35rem;
    color: var(--color-navy);
    letter-spacing: -0.3px;
}

.logo-icon {
    width: 36px;
    height: 36px;
    background: linear-gradient(135deg, var(--color-primary), var(--color-primary-dark));
    border-radius: 10px;
    position: relative;
    display: flex;
    align-items: center;
    justify-content: center;
    box-shadow: 0 4px 12px rgba(26, 86, 219, 0.3);
    font-family: var(--font-display);
    font-weight: 800;
    font-size: 0.9rem;
    color: #ffffff;
}

.logo-icon::before {
    content: 'Z';
}

.nav-menu {
    display: flex;
    list-style: none;
    gap: 2.5rem;
}

.nav-link {
    font-weight: 500;
    font-size: 0.9rem;
    color: var(--color-text-secondary);
    position: relative;
    padding: 0.5rem 0;
    letter-spacing: 0.2px;
}

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

.nav-link::after {
    content: '';
    position: absolute;
    bottom: -2px;
    left: 0;
    width: 0;
    height: 2px;
    background: linear-gradient(90deg, var(--color-primary), var(--color-primary-light));
    transition: width 0.35s cubic-bezier(0.16, 1, 0.3, 1);
    border-radius: 2px;
}

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

.nav-actions {
    display: flex;
    align-items: center;
    gap: 1rem;
}

.mobile-toggle {
    display: none;
    cursor: pointer;
    flex-direction: column;
    gap: 5px;
    padding: 4px;
}

.mobile-toggle span {
    width: 24px;
    height: 2px;
    background-color: var(--color-navy);
    transition: var(--transition-smooth);
    border-radius: 2px;
}

/* ==========================================
   HERO SECTION — Deep Navy Background
   ========================================== */
.hero {
    min-height: 100vh;
    display: flex;
    align-items: center;
    position: relative;
    padding-top: 130px;
    padding-bottom: 6rem;
    overflow: hidden;
    background: linear-gradient(160deg, #0a1628 0%, #0f2044 45%, #162454 75%, #1a2d60 100%);
}

/* Decorative grid overlay */
.hero::after {
    content: '';
    position: absolute;
    inset: 0;
    background-image:
        linear-gradient(rgba(255, 255, 255, 0.025) 1px, transparent 1px),
        linear-gradient(90deg, rgba(255, 255, 255, 0.025) 1px, transparent 1px);
    background-size: 64px 64px;
    z-index: 0;
    pointer-events: none;
    mask-image: radial-gradient(ellipse 90% 70% at 50% 50%, black 20%, transparent 100%);
}

.hero-glow {
    position: absolute;
    width: 750px;
    height: 750px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(59, 130, 246, 0.12) 0%, rgba(0,0,0,0) 65%);
    top: -15%;
    right: -5%;
    z-index: 0;
    pointer-events: none;
    animation: pulseGlow 7s ease-in-out infinite;
}

.hero-glow-left {
    position: absolute;
    width: 600px;
    height: 600px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(26, 86, 219, 0.1) 0%, rgba(0,0,0,0) 65%);
    bottom: -5%;
    left: -10%;
    z-index: 0;
    pointer-events: none;
    animation: pulseGlow 9s ease-in-out infinite reverse;
}

@keyframes pulseGlow {
    0%, 100% { transform: scale(1); opacity: 1; }
    50% { transform: scale(1.1); opacity: 0.65; }
}

.hero-grid {
    display: grid;
    grid-template-columns: 1.15fr 0.85fr;
    gap: 5rem;
    align-items: center;
    position: relative;
    z-index: 2;
}

.hero-content {
    display: flex;
    flex-direction: column;
    gap: 1.75rem;
}

.hero-tag {
    align-self: flex-start;
    padding: 0.5rem 1.25rem;
    border-radius: 30px;
    background: rgba(59, 130, 246, 0.12);
    border: 1px solid rgba(59, 130, 246, 0.3);
    font-size: 0.78rem;
    font-weight: 700;
    letter-spacing: 1.5px;
    text-transform: uppercase;
    color: #93c5fd;
    display: flex;
    align-items: center;
    gap: 0.5rem;
}

.hero-tag::before {
    content: '';
    width: 6px;
    height: 6px;
    border-radius: 50%;
    background: #60a5fa;
    animation: blink 1.8s ease-in-out infinite;
}

@keyframes blink {
    0%, 100% { opacity: 1; }
    50% { opacity: 0.25; }
}

.hero-title {
    font-family: var(--font-display);
    font-size: 4.2rem;
    line-height: 1.1;
    font-weight: 700;
    letter-spacing: -1.5px;
    color: #ffffff;
}

.hero-description {
    font-size: 1.1rem;
    color: #94b4d4;
    max-width: 540px;
    line-height: 1.75;
}

.hero-actions {
    display: flex;
    gap: 1rem;
    margin-top: 0.5rem;
    align-items: center;
}

/* Hero section — button overrides for dark bg */
.hero .btn-primary {
    background: linear-gradient(135deg, #3b82f6, #1a56db);
    color: #ffffff;
    box-shadow: 0 4px 24px rgba(59, 130, 246, 0.4);
}

.hero .btn-primary:hover {
    box-shadow: 0 8px 36px rgba(59, 130, 246, 0.55);
}

.hero .btn-secondary {
    border-color: rgba(255, 255, 255, 0.2);
    color: rgba(255, 255, 255, 0.85);
    background: rgba(255, 255, 255, 0.07);
}

.hero .btn-secondary:hover {
    background: rgba(255, 255, 255, 0.12);
    border-color: rgba(255, 255, 255, 0.4);
    color: #ffffff;
    transform: translateY(-2px);
}

/* Interactive 3D Card in Hero */
.hero-visual {
    position: relative;
    display: flex;
    justify-content: center;
    align-items: center;
}

.card-container {
    perspective: 1200px;
    width: 100%;
    max-width: 420px;
}

.credit-card {
    width: 100%;
    aspect-ratio: 1.586/1;
    border-radius: 24px;
    background: linear-gradient(135deg, #162454 0%, #0f2044 40%, #0a1628 100%);
    border: 1px solid rgba(59, 130, 246, 0.3);
    position: relative;
    padding: 2.25rem;
    box-shadow:
        0 25px 60px rgba(0, 0, 0, 0.5),
        inset 0 1px 0 rgba(255, 255, 255, 0.07),
        0 0 0 1px rgba(59, 130, 246, 0.06);
    overflow: hidden;
    transition: transform 0.6s cubic-bezier(0.175, 0.885, 0.32, 1.275);
    transform-style: preserve-3d;
    cursor: pointer;
}

.credit-card::before {
    content: '';
    position: absolute;
    top: -100%;
    left: -60%;
    width: 60%;
    height: 300%;
    background: linear-gradient(105deg, transparent, rgba(255, 255, 255, 0.06), transparent);
    transform: rotate(15deg);
    transition: 0.9s ease;
}

.credit-card:hover::before {
    left: 130%;
}

.credit-card::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    right: 0;
    height: 1px;
    background: linear-gradient(90deg, transparent, rgba(59, 130, 246, 0.5), transparent);
}

.credit-card:hover {
    transform: rotateY(12deg) rotateX(8deg) translateY(-10px) scale(1.02);
    box-shadow:
        0 40px 80px rgba(59, 130, 246, 0.2),
        0 15px 30px rgba(0, 0, 0, 0.4),
        inset 0 1px 0 rgba(255, 255, 255, 0.1);
}

.card-chip {
    width: 42px;
    height: 32px;
    background: linear-gradient(135deg, #dde6f7, #9db4d4, #dde6f7);
    border-radius: 6px;
    margin-bottom: 2rem;
    position: relative;
    overflow: hidden;
}

.card-chip::before {
    content: '';
    position: absolute;
    top: 50%;
    left: 0;
    right: 0;
    height: 1px;
    background: rgba(0,0,0,0.2);
    transform: translateY(-50%);
}

.card-chip::after {
    content: '';
    position: absolute;
    top: 0;
    bottom: 0;
    left: 50%;
    width: 1px;
    background: rgba(0,0,0,0.2);
    transform: translateX(-50%);
}

.card-number {
    font-size: 1.45rem;
    letter-spacing: 4px;
    font-family: 'Space Grotesk', monospace;
    margin-bottom: 1.75rem;
    color: rgba(240, 246, 255, 0.9);
}

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

.card-holder-label, .card-expiry-label {
    font-size: 0.6rem;
    text-transform: uppercase;
    color: rgba(148, 180, 212, 0.7);
    letter-spacing: 1.5px;
    font-family: var(--font-display);
}

.card-holder-name, .card-expiry-date {
    font-size: 0.88rem;
    font-weight: 600;
    letter-spacing: 1.5px;
    font-family: var(--font-display);
    color: #f0f6ff;
}

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

.card-logo-symbol {
    font-family: var(--font-display);
    font-weight: 700;
    font-size: 1rem;
    letter-spacing: 1px;
    background: linear-gradient(135deg, #93c5fd, #3b82f6);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
}

/* ==========================================
   STATS SECTION — White bg with blue accents
   ========================================== */
.stats {
    padding: 5rem 0;
    border-top: 1px solid var(--color-border-light);
    border-bottom: 1px solid var(--color-border-light);
    background: var(--color-bg-secondary);
    position: relative;
}

.stats-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 2rem;
    text-align: center;
}

.stat-item {
    display: flex;
    flex-direction: column;
    gap: 0.6rem;
    padding: 1.75rem;
    border-radius: var(--radius-md);
    transition: var(--transition-smooth);
    background: #fff;
    border: 1px solid var(--color-border-light);
}

.stat-item:hover {
    border-color: rgba(26, 86, 219, 0.2);
    box-shadow: 0 8px 24px rgba(26, 86, 219, 0.08);
    transform: translateY(-3px);
}

.stat-value {
    font-family: var(--font-display);
    font-size: 2.8rem;
    font-weight: 700;
    line-height: 1;
    letter-spacing: -1px;
}

.text-gold { /* repurposed as blue for this section */
    color: var(--color-primary);
    background: linear-gradient(135deg, var(--color-primary), var(--color-primary-light));
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
}

.stat-label {
    font-size: 0.82rem;
    color: var(--color-text-secondary);
    text-transform: uppercase;
    letter-spacing: 1.5px;
    font-weight: 500;
}

/* ==========================================
   SERVICES SECTION
   ========================================== */
.section-header {
    text-align: center;
    max-width: 650px;
    margin: 8rem auto 4rem auto;
    display: flex;
    flex-direction: column;
    gap: 1rem;
}

.section-tag {
    font-size: 0.78rem;
    text-transform: uppercase;
    color: var(--color-primary);
    font-weight: 700;
    letter-spacing: 2px;
}

.section-title {
    font-family: var(--font-display);
    font-size: 2.75rem;
    line-height: 1.15;
    font-weight: 700;
    letter-spacing: -0.75px;
}

.section-subtitle {
    font-size: 1rem;
    color: var(--color-text-secondary);
    line-height: 1.7;
}

.services-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 1.75rem;
}

.service-card {
    border-radius: var(--radius-md);
    padding: 2.75rem 2.25rem;
    display: flex;
    flex-direction: column;
    gap: 1.25rem;
    transition: var(--transition-smooth);
    position: relative;
    overflow: hidden;
    background: #ffffff;
    border: 1px solid var(--color-border-light) !important;
    box-shadow: 0 2px 12px rgba(0, 0, 0, 0.04);
}

.service-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 3px;
    background: linear-gradient(90deg, var(--color-primary-dark), var(--color-primary-light));
    opacity: 0;
    transition: opacity 0.4s ease;
}

.service-card:hover {
    transform: translateY(-10px);
    border-color: rgba(26, 86, 219, 0.15) !important;
    box-shadow: 0 20px 50px rgba(26, 86, 219, 0.1), 0 4px 16px rgba(0, 0, 0, 0.06);
}

.service-card:hover::before {
    opacity: 1;
}

.service-icon-box {
    width: 58px;
    height: 58px;
    border-radius: 14px;
    background: var(--color-primary-pale);
    border: 1px solid rgba(26, 86, 219, 0.12);
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 0.5rem;
    color: var(--color-primary);
    transition: var(--transition-smooth);
}

.service-card:hover .service-icon-box {
    background: rgba(26, 86, 219, 0.1);
    border-color: rgba(26, 86, 219, 0.25);
    box-shadow: 0 0 16px rgba(26, 86, 219, 0.12);
}

.service-icon-box svg {
    width: 26px;
    height: 26px;
}

.service-title {
    font-family: var(--font-display);
    font-size: 1.3rem;
    font-weight: 600;
    letter-spacing: -0.2px;
    color: var(--color-navy);
}

.service-desc {
    font-size: 0.95rem;
    color: var(--color-text-secondary);
    line-height: 1.65;
}

.service-link {
    margin-top: auto;
    font-size: 0.88rem;
    font-weight: 600;
    color: var(--color-primary);
    display: inline-flex;
    align-items: center;
    gap: 0.4rem;
    letter-spacing: 0.2px;
}

.service-link svg {
    transition: transform 0.3s ease;
}

.service-link:hover svg {
    transform: translateX(5px);
}

/* ==========================================
   YIELD CALCULATOR — Light card on light bg
   ========================================== */
.calculator-section {
    padding: 7rem 0;
    position: relative;
    background: var(--color-bg-secondary);
}

.calc-glow {
    position: absolute;
    width: 500px;
    height: 500px;
    background: radial-gradient(circle, rgba(26, 86, 219, 0.06) 0%, rgba(0,0,0,0) 70%);
    bottom: -10%;
    right: 5%;
    pointer-events: none;
}

.calc-card {
    border-radius: var(--radius-lg);
    padding: 4.5rem;
    display: grid;
    grid-template-columns: 1.1fr 0.9fr;
    gap: 5rem;
    align-items: center;
    background: #ffffff;
    border: 1px solid var(--color-border-light);
    box-shadow: 0 8px 40px rgba(26, 86, 219, 0.06);
}

.calc-info h3 {
    font-family: var(--font-display);
    font-size: 2.25rem;
    font-weight: 700;
    margin-bottom: 1.25rem;
    letter-spacing: -0.5px;
    line-height: 1.2;
    color: var(--color-navy);
}

.calc-info p {
    color: var(--color-text-secondary);
    margin-bottom: 2rem;
    font-size: 0.95rem;
    line-height: 1.7;
}

.calc-rates {
    display: flex;
    flex-direction: column;
    gap: 1rem;
    background: var(--color-bg-secondary);
    padding: 1.5rem;
    border-radius: var(--radius-sm);
    border: 1px solid var(--color-border-light);
}

.rate-row {
    display: flex;
    justify-content: space-between;
    font-size: 0.9rem;
    color: var(--color-text-secondary);
    align-items: center;
}

.rate-val {
    font-weight: 700;
    color: var(--color-primary);
    font-family: var(--font-display);
}

.calc-inputs {
    display: flex;
    flex-direction: column;
    gap: 2rem;
}

.calc-input-group {
    display: flex;
    flex-direction: column;
    gap: 0.75rem;
}

.calc-label-row {
    display: flex;
    justify-content: space-between;
    font-weight: 500;
    font-size: 0.9rem;
}

.form-label {
    color: var(--color-text-secondary);
    text-transform: uppercase;
    letter-spacing: 1px;
    font-size: 0.78rem;
    font-weight: 600;
}

.calc-display-value {
    color: var(--color-primary);
    font-weight: 700;
    font-family: var(--font-display);
}

/* Custom Range Slider */
input[type="range"] {
    -webkit-appearance: none;
    width: 100%;
    height: 5px;
    background: rgba(26, 86, 219, 0.12);
    border-radius: 3px;
    outline: none;
}

input[type="range"]::-webkit-slider-thumb {
    -webkit-appearance: none;
    width: 20px;
    height: 20px;
    border-radius: 50%;
    background: linear-gradient(135deg, var(--color-primary-light), var(--color-primary-dark));
    cursor: pointer;
    box-shadow: 0 0 12px rgba(26, 86, 219, 0.4);
    transition: transform 0.2s;
    border: 2px solid rgba(255,255,255,0.8);
}

input[type="range"]::-webkit-slider-thumb:hover {
    transform: scale(1.25);
    box-shadow: 0 0 20px rgba(26, 86, 219, 0.5);
}

.calc-result-box {
    background: linear-gradient(135deg, #eff6ff, #dbeafe);
    border: 1px solid rgba(26, 86, 219, 0.18);
    padding: 2rem;
    border-radius: var(--radius-md);
    text-align: center;
    display: flex;
    flex-direction: column;
    gap: 0.5rem;
}

.calc-result-label {
    font-size: 0.75rem;
    text-transform: uppercase;
    letter-spacing: 1.5px;
    color: var(--color-text-secondary);
    font-weight: 600;
}

.calc-result-value {
    font-family: var(--font-display);
    font-size: 2.75rem;
    color: var(--color-success);
    font-weight: 700;
    letter-spacing: -1px;
}

/* ==========================================
   SECURITY & TRUST — Dark Navy Background
   ========================================== */
.security {
    padding: 8rem 0;
    background: linear-gradient(160deg, #0a1628 0%, #0f2044 60%, #162454 100%);
    position: relative;
    overflow: hidden;
}

.security::before {
    content: '';
    position: absolute;
    inset: 0;
    background-image:
        linear-gradient(rgba(255, 255, 255, 0.02) 1px, transparent 1px),
        linear-gradient(90deg, rgba(255, 255, 255, 0.02) 1px, transparent 1px);
    background-size: 64px 64px;
    pointer-events: none;
}

/* Override text colors inside security section */
.security .section-tag {
    color: #93c5fd;
}

.security .section-title, .security h2 {
    background: linear-gradient(135deg, #ffffff 20%, #93c5fd 100%);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
}

.security .sec-title {
    color: #f0f6ff;
}

.security .sec-desc {
    color: #94b4d4;
}

.security-grid {
    display: grid;
    grid-template-columns: 0.9fr 1.1fr;
    gap: 6rem;
    align-items: center;
    position: relative;
    z-index: 1;
}

.security-visual {
    position: relative;
    display: flex;
    justify-content: center;
}

.security-shield {
    width: 290px;
    height: 330px;
    background: radial-gradient(circle at 50% 30%, #162454, #0a1628);
    border: 2px solid rgba(59, 130, 246, 0.35);
    border-radius: 50% 50% 50% 50% / 12% 12% 88% 88%;
    box-shadow:
        0 20px 60px rgba(0, 0, 0, 0.5),
        0 0 50px rgba(59, 130, 246, 0.1),
        inset 0 0 30px rgba(59, 130, 246, 0.05);
    display: flex;
    align-items: center;
    justify-content: center;
    position: relative;
    animation: floatShield 4s ease-in-out infinite;
}

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

.security-shield::after {
    content: '';
    position: absolute;
    width: 88%;
    height: 92%;
    border-radius: inherit;
    border: 1px dashed rgba(59, 130, 246, 0.25);
}

.security-shield-icon {
    color: #60a5fa;
}

.security-shield-icon svg {
    width: 90px;
    height: 90px;
    filter: drop-shadow(0 0 20px rgba(59, 130, 246, 0.5));
}

.security-features {
    display: flex;
    flex-direction: column;
    gap: 2rem;
}

.sec-item {
    display: flex;
    gap: 1.5rem;
    padding: 1.5rem;
    border-radius: var(--radius-md);
    border: 1px solid transparent;
    transition: var(--transition-smooth);
}

.sec-item:hover {
    background: rgba(255, 255, 255, 0.04);
    border-color: rgba(59, 130, 246, 0.2);
}

.sec-icon-wrapper {
    flex-shrink: 0;
    width: 48px;
    height: 48px;
    background: rgba(59, 130, 246, 0.1);
    border: 1px solid rgba(59, 130, 246, 0.2);
    border-radius: 12px;
    display: flex;
    align-items: center;
    justify-content: center;
    color: #60a5fa;
}

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

.sec-text {
    display: flex;
    flex-direction: column;
    gap: 0.5rem;
}

.sec-title {
    font-family: var(--font-display);
    font-size: 1.1rem;
    font-weight: 600;
    letter-spacing: -0.1px;
}

.sec-desc {
    color: var(--color-text-secondary);
    font-size: 0.92rem;
    line-height: 1.6;
}

/* ==========================================
   INSIGHTS / BLOG (SEO FRIENDLY)
   ========================================== */
.insights-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 2rem;
}

.insight-card {
    border-radius: var(--radius-md);
    overflow: hidden;
    transition: var(--transition-smooth);
    display: flex;
    flex-direction: column;
    background: #ffffff;
    border: 1px solid var(--color-border-light) !important;
    box-shadow: 0 2px 12px rgba(0, 0, 0, 0.04);
}

.insight-card:hover {
    transform: translateY(-6px);
    border-color: rgba(26, 86, 219, 0.18) !important;
    box-shadow: 0 16px 40px rgba(26, 86, 219, 0.1), 0 6px 20px rgba(0, 0, 0, 0.05);
}

.insight-image {
    width: 100%;
    height: 190px;
    background: linear-gradient(135deg, var(--color-bg-secondary), #dbeafe);
    border-bottom: 1px solid var(--color-border-light);
    position: relative;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--color-primary);
}

.insight-image::before {
    content: '';
    position: absolute;
    width: 100%;
    height: 100%;
    background: radial-gradient(circle, rgba(26, 86, 219, 0.08) 0%, transparent 70%);
}

.insight-body {
    padding: 2rem;
    display: flex;
    flex-direction: column;
    gap: 0.9rem;
    flex-grow: 1;
}

.insight-meta {
    font-size: 0.75rem;
    color: var(--color-text-muted);
    text-transform: uppercase;
    letter-spacing: 1px;
    display: flex;
    gap: 1rem;
    font-weight: 500;
}

.insight-title {
    font-family: var(--font-display);
    font-size: 1.15rem;
    font-weight: 600;
    line-height: 1.4;
    letter-spacing: -0.1px;
    color: var(--color-navy);
}

.insight-title a:hover {
    color: var(--color-primary);
}

.insight-excerpt {
    font-size: 0.9rem;
    color: var(--color-text-secondary);
    line-height: 1.6;
}

.insight-link {
    font-weight: 600;
    font-size: 0.85rem;
    color: var(--color-primary);
    align-self: flex-start;
    display: flex;
    align-items: center;
    gap: 0.4rem;
    margin-top: auto;
    padding-top: 0.5rem;
    letter-spacing: 0.2px;
}

.insight-link:hover {
    gap: 0.7rem;
}

/* ==========================================
   CONTACT / CTA FORM — Navy dark section
   ========================================== */
.cta-section {
    padding: 8rem 0;
    background: linear-gradient(160deg, #0a1628 0%, #0f2044 60%, #162454 100%);
    position: relative;
    overflow: hidden;
}

.cta-section::before {
    content: '';
    position: absolute;
    inset: 0;
    background-image:
        linear-gradient(rgba(255, 255, 255, 0.02) 1px, transparent 1px),
        linear-gradient(90deg, rgba(255, 255, 255, 0.02) 1px, transparent 1px);
    background-size: 64px 64px;
    pointer-events: none;
}

/* Overrides for text in dark sections */
.cta-section .section-tag { color: #93c5fd; }
.cta-section .cta-title { color: #ffffff; }
.cta-section .cta-desc { color: #94b4d4; }
.cta-section .cta-bullet { color: #94b4d4; }
.cta-section .cta-bullet svg { color: #60a5fa; }

.cta-box {
    border-radius: var(--radius-lg);
    padding: 5rem 4rem;
    display: grid;
    grid-template-columns: 1fr 1.1fr;
    gap: 5rem;
    align-items: center;
    position: relative;
    z-index: 1;
}

.cta-glow-bg {
    position: absolute;
    width: 100%;
    height: 100%;
    top: 0;
    left: 0;
    background:
        radial-gradient(circle at 8% 20%, rgba(59, 130, 246, 0.06) 0%, transparent 55%),
        radial-gradient(circle at 90% 80%, rgba(26, 86, 219, 0.04) 0%, transparent 55%);
    pointer-events: none;
}

.cta-info {
    display: flex;
    flex-direction: column;
    gap: 1.5rem;
}

.cta-title {
    font-family: var(--font-display);
    font-size: 2.4rem;
    line-height: 1.2;
    font-weight: 700;
    letter-spacing: -0.5px;
}

.cta-desc {
    font-size: 1rem;
    line-height: 1.7;
}

.cta-bullets {
    display: flex;
    flex-direction: column;
    gap: 1rem;
    margin-top: 0.5rem;
}

.cta-bullet {
    display: flex;
    align-items: center;
    gap: 0.8rem;
    font-size: 0.92rem;
}

.cta-bullet svg {
    flex-shrink: 0;
}

/* Premium Form Styling */
.cta-form-container {
    background: rgba(255, 255, 255, 0.97);
    border: 1px solid rgba(255, 255, 255, 0.12);
    border-radius: var(--radius-md);
    padding: 2.75rem;
    box-shadow: 0 20px 60px rgba(0, 0, 0, 0.3);
}

.cta-form {
    display: flex;
    flex-direction: column;
    gap: 1.5rem;
}

.form-group {
    display: flex;
    flex-direction: column;
    gap: 0.5rem;
}

.cta-form-container .form-label {
    color: var(--color-text-secondary);
}

.form-input {
    width: 100%;
    background: var(--color-bg-secondary);
    border: 1.5px solid var(--color-border-light);
    border-radius: var(--radius-sm);
    padding: 0.9rem 1.25rem;
    color: var(--color-text-primary);
    transition: var(--transition-smooth);
    font-family: var(--font-sans);
}

.form-input::placeholder {
    color: var(--color-text-muted);
}

.form-input:focus {
    border-color: var(--color-primary);
    box-shadow: 0 0 0 3px rgba(26, 86, 219, 0.08);
    background: #ffffff;
}

/* ==========================================
   FOOTER — Dark Navy
   ========================================== */
.footer {
    background-color: #060e1e;
    border-top: 1px solid rgba(255, 255, 255, 0.06);
    padding: 6rem 0 3rem 0;
}

.footer-grid {
    display: grid;
    grid-template-columns: 1.3fr 0.8fr 0.8fr 1.1fr;
    gap: 4rem;
    margin-bottom: 4rem;
}

.footer-logo-col {
    display: flex;
    flex-direction: column;
    gap: 1.5rem;
}

.footer .logo {
    color: #ffffff;
}

.footer-desc {
    color: #94b4d4;
    font-size: 0.88rem;
    line-height: 1.7;
}

.footer-heading {
    font-size: 0.78rem;
    text-transform: uppercase;
    letter-spacing: 2px;
    font-weight: 700;
    color: #ffffff;
    margin-bottom: 1.5rem;
    font-family: var(--font-display);
}

.footer-links {
    list-style: none;
    display: flex;
    flex-direction: column;
    gap: 0.85rem;
}

.footer-link {
    font-size: 0.88rem;
    color: #94b4d4;
    transition: var(--transition-fast);
}

.footer-link:hover {
    color: #60a5fa;
    transform: translateX(4px);
}

.footer-contact {
    display: flex;
    flex-direction: column;
    gap: 1rem;
    font-size: 0.88rem;
    color: #94b4d4;
}

.footer-contact-item {
    display: flex;
    align-items: flex-start;
    gap: 0.75rem;
}

.footer-contact-item svg {
    color: #60a5fa;
    margin-top: 0.15rem;
    flex-shrink: 0;
}

.footer-bottom {
    border-top: 1px solid rgba(255, 255, 255, 0.05);
    padding-top: 2rem;
    display: flex;
    flex-direction: column;
    gap: 1.5rem;
}

.footer-disclaimer {
    font-size: 0.73rem;
    color: #4b5a75;
    line-height: 1.7;
    text-align: justify;
}

.footer-copyright {
    display: flex;
    justify-content: space-between;
    align-items: center;
    font-size: 0.82rem;
    color: #4b5a75;
}

/* ==========================================
   RESPONSIVE OVERRIDES
   ========================================== */
@media (max-width: 1100px) {
    .hero-title {
        font-size: 3.2rem;
    }
    .services-grid {
        grid-template-columns: repeat(2, 1fr);
    }
    .calc-card, .cta-box {
        grid-template-columns: 1fr;
        gap: 3rem;
        padding: 3rem;
    }
    .footer-grid {
        grid-template-columns: repeat(2, 1fr);
        gap: 3rem;
    }
}

@media (max-width: 768px) {
    .container {
        padding: 0 1.5rem;
    }
    .nav-menu, .nav-actions .btn {
        display: none;
    }
    .mobile-toggle {
        display: flex;
    }

    .nav-menu.mobile-active {
        display: flex;
        flex-direction: column;
        position: fixed;
        top: 64px;
        left: 0;
        width: 100%;
        background: rgba(255, 255, 255, 0.99);
        backdrop-filter: blur(20px);
        border-bottom: 1px solid var(--color-border-light);
        padding: 2rem;
        gap: 1.5rem;
        z-index: 999;
        box-shadow: 0 8px 30px rgba(0, 0, 0, 0.1);
    }

    .hero {
        padding-top: 110px;
        padding-bottom: 4rem;
    }

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

    .hero-title {
        font-size: 2.6rem;
        letter-spacing: -0.75px;
    }

    .hero-content {
        align-items: center;
        text-align: center;
    }

    .hero-tag {
        align-self: center;
    }

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

    .hero-actions {
        justify-content: center;
        flex-wrap: wrap;
    }

    .stats-grid {
        grid-template-columns: repeat(2, 1fr);
        gap: 1.25rem;
    }

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

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

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

    .footer-grid {
        grid-template-columns: 1fr;
        gap: 2.5rem;
    }

    .section-header {
        margin: 5rem auto 3rem;
    }

    .section-title {
        font-size: 2.1rem;
    }
}