/* ── Variables ── */
:root {
  --gold:       #c9a84c;
  --gold-light: #e4c87a;
  --gold-dark:  #a07830;
  --navy:       #0d1b35;
  --navy-mid:   #162444;
  --navy-light: #1e3060;
  --text-dark:  #1a1a2e;
  --text-mid:   #4a5568;
  --text-light: #718096;
  --bg-off:     #f7f8fa;
  --bg-white:   #ffffff;
  --border:     #e2e8f0;
}

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

body {
  font-family: 'Sora', sans-serif;
  color: var(--text-dark);
  overflow-x: hidden;
}

/* ── Utility ── */
.gold        { color: var(--gold); }
.gold-bg     { background: var(--gold); }
.navy-bg     { background: var(--navy); }

.section-tag {
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 2.5px;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 10px;
  display: block;
}

.section-title {
  font-family: 'Playfair Display', serif;
  font-size: clamp(26px, 3.5vw, 40px);
  font-weight: 700;
  color: var(--text-dark);
  line-height: 1.2;
  margin-bottom: 14px;
}

.section-title--white { color: #fff; }

.section-title--small {
  font-family: 'Playfair Display', serif;
  font-size: 22px;
  font-weight: 700;
  margin-bottom: 6px;
  color: var(--text-dark);
}

.gold-bar {
  width: 44px;
  height: 3px;
  background: var(--gold);
  border-radius: 2px;
  margin-bottom: 22px;
}

.gold-bar--center { margin-left: auto; margin-right: auto; }

.body-text {
  font-size: 14px;
  color: var(--text-mid);
  line-height: 1.75;
}

.body-text--white { color: rgba(255,255,255,0.6); }
.body-text--center { text-align: center; }
.body-text--narrow { max-width: 520px; margin-left: auto; margin-right: auto; }

.italic-intro {
  font-size: 18px;
  font-style: italic;
  color: var(--text-mid);
  margin-bottom: 18px;
}

.quote-icon {
  color: var(--gold);
  font-size: 22px;
  margin-right: 4px;
}

/* ── Section spacing ── */
.section-block {
  padding-top: 80px;
  padding-bottom: 80px;
}

.section-block--off { background: var(--bg-off); }
.section-block--navy { background: var(--navy); }
.section-block--white { background: #fff; }

/* ── Ticker bar ── */
.ticker-bar {
  background: #0a1628;
  padding: 6px 0;
  font-family: 'Space Mono', monospace;
  font-size: 11px;
  color: #aaa;
  overflow: hidden;
  white-space: nowrap;
}

.ticker-inner {
  display: inline-flex;
  gap: 28px;
  animation: ticker 35s linear infinite;
}

@keyframes ticker {
  from { transform: translateX(0); }
  to   { transform: translateX(-50%); }
}

.ticker-item { display: flex; gap: 7px; align-items: center; }
.ticker-item .sym { color: #fff; font-weight: 700; }
.ticker-item .up   { color: #22c55e; }
.ticker-item .down { color: #ef4444; }

/* ── Navbar ── */
.main-nav {
  background: #fff;
  padding: 0;
  border-bottom: 1px solid var(--border);
  position: sticky;
  top: 0;
  z-index: 1000;
  box-shadow: 0 2px 16px rgba(0,0,0,0.07);
}

/* ── LOGO ── */
.navbar-brand-link {
  display: flex;
  align-items: center;
  gap: 10px;
  font-weight: 700;
  font-size: 17px;
  color: var(--navy);
  text-decoration: none;
  padding: 10px 0;
}

.brand-logo-img {
  height: 46px;
  max-height: 46px;
  width: auto;
  display: block;
  object-fit: contain;
}

/* Fallback icon shown only when no logo src is set */
.brand-icon {
  width: 46px;
  height: 46px;
  background: var(--navy);
  border: 2px solid var(--gold);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.brand-icon span {
  font-family: 'Playfair Display', serif;
  color: var(--gold);
  font-size: 14px;
  font-weight: 700;
  letter-spacing: -1px;
}

.brand-name-top {
  color: var(--navy);
  font-size: 15px;
  font-weight: 700;
  display: block;
}

.brand-name-bot {
  color: var(--gold);
  font-size: 11px;
  font-weight: 500;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  display: block;
}

/* ── Nav items ── */
.nav-link-custom {
  font-size: 13px;
  font-weight: 500;
  color: var(--text-dark) !important;
  padding: 22px 14px !important;
  position: relative;
  transition: color 0.15s;
  text-decoration: none;
  display: flex;
  align-items: center;
  gap: 4px;
  white-space: nowrap;
}

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

.nav-link-custom::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 14px;
  right: 14px;
  height: 2px;
  background: var(--gold);
  transform: scaleX(0);
  transition: transform 0.2s;
}

.nav-link-custom:hover::after,
.nav-link-custom.active::after { transform: scaleX(1); }

.nav-link-sub {
  font-size: 9px;
  display: block;
  color: var(--text-light);
  font-weight: 400;
}

.nav-chevron { font-size: 10px; transition: transform 0.2s; }

/* ── Dropdown ── */
.nav-dropdown {
  position: relative;
}

.nav-dropdown:hover .dropdown-panel,
.nav-dropdown:focus-within .dropdown-panel {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}

.nav-dropdown:hover .nav-chevron {
  transform: rotate(180deg);
  color: var(--gold);
}

.dropdown-panel {
  position: absolute;
  top: calc(100% + 0px);
  left: 0;
  min-width: 230px;
  background: #fff;
  border: 1px solid var(--border);
  border-top: 3px solid var(--gold);
  border-radius: 0 0 8px 8px;
  box-shadow: 0 12px 40px rgba(0,0,0,0.12);
  padding: 8px 0;
  opacity: 0;
  visibility: hidden;
  transform: translateY(6px);
  transition: opacity 0.18s ease, transform 0.18s ease, visibility 0.18s;
  z-index: 9999;
}

.dropdown-panel a {
  display: flex;
  align-items: center;
  gap: 11px;
  padding: 10px 20px;
  font-size: 13px;
  font-weight: 500;
  color: var(--text-dark);
  text-decoration: none;
  transition: background 0.12s, color 0.12s;
}

.dropdown-panel a:hover {
  background: rgba(201,168,76,0.07);
  color: var(--gold);
}

.dropdown-panel a i {
  color: var(--gold);
  font-size: 15px;
  width: 18px;
  flex-shrink: 0;
}

.dropdown-panel a:hover i {
  color: var(--gold-dark);
}

.dropdown-divider {
  height: 1px;
  background: var(--border);
  margin: 6px 0;
}

.dropdown-panel .dd-label {
  font-size: 10px;
  font-weight: 600;
  letter-spacing: 2px;
  text-transform: uppercase;
  color: var(--text-light);
  padding: 6px 20px 4px;
  pointer-events: none;
}

/* ── Action buttons ── */
.btn-login {
  background: transparent;
  border: 1.5px solid var(--navy);
  color: var(--navy) !important;
  padding: 7px 18px;
  border-radius: 5px;
  font-size: 13px;
  font-weight: 600;
  transition: all 0.15s;
  text-decoration: none;
}

.btn-login:hover { background: var(--navy); color: #fff !important; }

.btn-open {
  background: var(--gold);
  border: none;
  color: #fff !important;
  padding: 7px 18px;
  border-radius: 5px;
  font-size: 13px;
  font-weight: 600;
  transition: background 0.15s;
  text-decoration: none;
}

.btn-open:hover { background: var(--gold-dark); }

.hamburger-btn { border: 1px solid var(--border); }
.hamburger-btn .bi-list { font-size: 20px; }

/* ── Mobile nav ── */
.mobile-nav-inner {
  padding: 12px 0 20px;
  border-top: 1px solid var(--border);
}

.mobile-nav-inner .nav-link-custom { padding: 12px 0 !important; }

.mobile-dd-toggle {
  display: flex;
  align-items: center;
  justify-content: space-between;
  width: 100%;
  background: none;
  border: none;
  font-family: 'Sora', sans-serif;
  font-size: 13px;
  font-weight: 500;
  color: var(--text-dark);
  padding: 12px 0;
  cursor: pointer;
}

.mobile-dd-toggle:hover { color: var(--gold); }
.mobile-dd-toggle .nav-chevron { transition: transform 0.2s; }
.mobile-dd-toggle.open .nav-chevron { transform: rotate(180deg); color: var(--gold); }

.mobile-dd-menu {
  display: none;
  padding-left: 16px;
  border-left: 2px solid rgba(201,168,76,0.3);
  margin-bottom: 6px;
}

.mobile-dd-menu.open { display: block; }

.mobile-dd-menu a {
  display: flex;
  align-items: center;
  gap: 8px;
  padding: 9px 0;
  font-size: 13px;
  color: var(--text-mid);
  text-decoration: none;
}

.mobile-dd-menu a i { color: var(--gold); font-size: 14px; }
.mobile-dd-menu a:hover { color: var(--gold); }

/* ── Hero ── */
.hero {
  position: relative;
  min-height: 88vh;
  display: flex;
  align-items: center;
  overflow: hidden;
}

.hero-bg {
  position: absolute;
  inset: 0;
  background: url('https://images.unsplash.com/photo-1486325212027-8081e485255e?w=1600&q=80') center/cover no-repeat;
}

.hero-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(110deg, rgba(10,24,55,0.92) 0%, rgba(10,24,55,0.60) 60%, rgba(10,24,55,0.25) 100%);
}

.hero-content {
  position: relative;
  z-index: 2;
  padding: 80px 0;
}

.hero-tag {
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 3px;
  text-transform: uppercase;
  color: var(--gold-light);
  margin-bottom: 18px;
  display: block;
}

.hero-title {
  font-family: 'Playfair Display', serif;
  font-size: clamp(36px, 6vw, 72px);
  font-weight: 700;
  color: #fff;
  line-height: 1.1;
  letter-spacing: -0.5px;
  margin-bottom: 20px;
}

.hero-title em { color: var(--gold-light); font-style: normal; }

.hero-tagline {
  font-size: 12px;
  letter-spacing: 2px;
  text-transform: uppercase;
  color: rgba(255,255,255,0.55);
  margin-bottom: 16px;
  display: flex;
  align-items: center;
  gap: 10px;
}

.hero-tagline span { color: var(--gold); }

.hero-sub {
  font-size: 15px;
  color: rgba(255,255,255,0.75);
  max-width: 480px;
  line-height: 1.7;
  margin-bottom: 34px;
}

.hero-dots {
  position: absolute;
  bottom: 30px;
  left: 50%;
  transform: translateX(-50%);
  display: flex;
  gap: 8px;
  z-index: 2;
}

.hero-dot {
  width: 28px;
  height: 4px;
  border-radius: 2px;
  background: rgba(255,255,255,0.35);
  cursor: pointer;
}

.hero-dot.active { background: var(--gold); }

/* ── Buttons ── */
.btn-primary-gold {
  background: var(--gold);
  color: #fff;
  border: none;
  padding: 13px 30px;
  border-radius: 5px;
  font-size: 14px;
  font-weight: 600;
  transition: background 0.15s;
  text-decoration: none;
  display: inline-flex;
  align-items: center;
  gap: 8px;
}

.btn-primary-gold:hover { background: var(--gold-dark); color: #fff; }
.btn-primary-gold--sm { font-size: 13px; padding: 9px 18px; }
.btn-primary-gold--xs { font-size: 12px; padding: 8px 16px; }

.btn-ghost-white {
  background: transparent;
  color: #fff;
  border: 1.5px solid rgba(255,255,255,0.45);
  padding: 13px 30px;
  border-radius: 5px;
  font-size: 14px;
  font-weight: 600;
  transition: all 0.15s;
  text-decoration: none;
  display: inline-flex;
  align-items: center;
  gap: 8px;
}

.btn-ghost-white:hover {
  border-color: #fff;
  background: rgba(255,255,255,0.08);
  color: #fff;
}

.btn-ghost-border {
  background: transparent;
  color: var(--text-dark);
  border: 1.5px solid var(--border);
  padding: 13px 30px;
  border-radius: 5px;
  font-size: 14px;
  font-weight: 600;
  transition: all 0.15s;
  text-decoration: none;
  display: inline-flex;
  align-items: center;
  gap: 8px;
}

.btn-ghost-border:hover { border-color: var(--navy); color: var(--navy); }

.btn-consult {
  background: transparent;
  border: 1.5px solid rgba(255,255,255,0.4);
  color: #fff;
  padding: 10px 24px;
  border-radius: 5px;
  font-size: 13px;
  font-weight: 600;
  white-space: nowrap;
  transition: all 0.15s;
  text-decoration: none;
  display: inline-block;
}

.btn-consult:hover { background: #fff; color: var(--navy); }

/* ── Partners strip ── */
.partners-strip {
  background: var(--navy);
  padding: 24px 0;
  border-top: 1px solid rgba(255,255,255,0.08);
}

.partner-item {
  font-size: 15px;
  font-weight: 700;
  letter-spacing: 1px;
  color: rgba(255,255,255,0.45);
  padding: 0 32px;
  border-right: 1px solid rgba(255,255,255,0.1);
  transition: color 0.2s;
  display: flex;
  align-items: center;
  gap: 6px;
  cursor: pointer;
}

.partner-item:last-child { border-right: none; }
.partner-item:hover { color: var(--gold-light); }
.partner-item--italic { font-style: italic; color: rgba(255,255,255,0.5); }
.partner-item-sub { font-size: 9px; letter-spacing: 2px; display: block; }
.partner-item--bold { font-size: 18px; font-weight: 900; letter-spacing: -1px; }

/* ── About section ── */
.about-img-wrap { position: relative; }
.about-img { width: 100%; height: 380px; object-fit: cover; border-radius: 8px; }

.about-img-label {
  position: absolute;
  bottom: 18px;
  left: 18px;
  background: var(--navy);
  color: #fff;
  font-size: 13px;
  font-weight: 600;
  padding: 8px 16px;
  border-radius: 5px;
}

.stat-card-row {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: 8px;
  padding: 16px 20px;
  display: flex;
  align-items: center;
  gap: 14px;
  margin-bottom: 12px;
  transition: box-shadow 0.15s;
}

.stat-card-row:hover { box-shadow: 0 4px 20px rgba(0,0,0,0.08); }

.stat-card-icon {
  width: 42px;
  height: 42px;
  border-radius: 8px;
  background: rgba(201,168,76,0.1);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.stat-card-icon i { color: var(--gold); font-size: 18px; }
.stat-card-title { font-size: 14px; font-weight: 600; color: var(--text-dark); }
.stat-card-sub { font-size: 12px; color: var(--text-light); margin-top: 2px; }

.check-list { list-style: none; padding: 0; margin: 18px 0 24px; }

.check-list li {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 13px;
  color: var(--text-mid);
  margin-bottom: 9px;
}

.check-list li i { color: var(--gold); font-size: 14px; }

/* ── Featured product ── */
.featured-img { width: 100%; height: 340px; object-fit: cover; border-radius: 8px; }

.featured-check { list-style: none; padding: 0; margin: 18px 0 26px; }

.featured-check li {
  display: flex;
  align-items: flex-start;
  gap: 9px;
  font-size: 13px;
  color: var(--text-mid);
  margin-bottom: 11px;
}

.featured-check li i { color: var(--gold); margin-top: 2px; flex-shrink: 0; }

/* ── Stats band ── */
.stats-band {
  background: var(--navy);
  padding: 60px 0;
  position: relative;
  overflow: hidden;
}

.stats-band::before {
  content: '';
  position: absolute;
  inset: 0;
  background: url('https://images.unsplash.com/photo-1611974789855-9c2a0a7236a3?w=1600&q=40') center/cover;
  opacity: 0.06;
}

.stats-band-inner { position: relative; z-index: 2; }

.stat-block {
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: 8px;
  padding: 32px 24px;
  text-align: center;
  transition: background 0.2s;
}

.stat-block:hover { background: rgba(255,255,255,0.1); }

.stat-block-icon {
  width: 48px;
  height: 48px;
  border-radius: 10px;
  background: rgba(201,168,76,0.15);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 16px;
}

.stat-block-icon i { color: var(--gold); font-size: 22px; }

.stat-num {
  font-family: 'Space Mono', monospace;
  font-size: clamp(28px, 4vw, 40px);
  font-weight: 700;
  color: #fff;
  line-height: 1;
}

.stat-num sup { font-size: 18px; vertical-align: super; }
.stat-label { font-size: 11px; letter-spacing: 2px; text-transform: uppercase; color: rgba(255,255,255,0.45); margin-top: 8px; }

/* ── Service cards ── */
.service-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: 8px;
  padding: 28px 22px;
  text-align: center;
  transition: all 0.2s;
  height: 100%;
}

.service-card:hover {
  box-shadow: 0 8px 30px rgba(0,0,0,0.09);
  transform: translateY(-3px);
  border-color: rgba(201,168,76,0.3);
}

.service-icon {
  width: 54px;
  height: 54px;
  border-radius: 12px;
  background: rgba(201,168,76,0.1);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 16px;
  transition: background 0.2s;
}

.service-card:hover .service-icon { background: var(--gold); }
.service-icon i { color: var(--gold); font-size: 22px; }
.service-card:hover .service-icon i { color: #fff; }
.service-title { font-size: 15px; font-weight: 600; margin-bottom: 10px; }
.service-desc { font-size: 13px; color: var(--text-light); line-height: 1.65; }

/* ── Digital banking ── */
.digital-img-wrap { position: relative; }
.digital-img { width: 100%; height: 360px; object-fit: cover; border-radius: 8px; }

.secure-badge {
  position: absolute;
  top: 50%;
  right: -18px;
  transform: translateY(-50%);
  background: var(--gold);
  color: #fff;
  font-size: 12px;
  font-weight: 700;
  padding: 10px 14px;
  border-radius: 8px;
  text-align: center;
  line-height: 1.3;
  box-shadow: 0 4px 20px rgba(201,168,76,0.4);
}

.secure-badge .secure-big { font-size: 20px; display: block; }

.feature-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: 8px;
  padding: 20px;
  display: flex;
  gap: 14px;
  align-items: flex-start;
  transition: box-shadow 0.15s;
}

.feature-card:hover { box-shadow: 0 4px 18px rgba(0,0,0,0.07); }

.feature-icon {
  width: 38px;
  height: 38px;
  border-radius: 8px;
  background: rgba(201,168,76,0.1);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.feature-icon i { color: var(--gold); font-size: 16px; }
.feature-title { font-size: 14px; font-weight: 600; margin-bottom: 5px; }
.feature-desc { font-size: 12px; color: var(--text-light); line-height: 1.6; }

/* ── How it works ── */
.step-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: 8px;
  overflow: hidden;
  text-align: center;
  transition: all 0.2s;
}

.step-card:hover { box-shadow: 0 8px 28px rgba(0,0,0,0.1); transform: translateY(-3px); }
.step-img { width: 100%; height: 160px; object-fit: cover; }
.step-body { padding: 20px 18px; }

.step-num {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: var(--gold);
  color: #fff;
  font-size: 13px;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: -18px auto 12px;
  position: relative;
  z-index: 1;
  box-shadow: 0 2px 10px rgba(201,168,76,0.4);
}

.step-title { font-size: 15px; font-weight: 600; margin-bottom: 8px; }
.step-desc { font-size: 12px; color: var(--text-light); line-height: 1.65; }

/* ── Security ── */
.security-section { background: var(--navy); position: relative; overflow: hidden; }

.security-section::before {
  content: '';
  position: absolute;
  inset: 0;
  background: url('https://images.unsplash.com/photo-1550751827-4bd374c3f58b?w=1200&q=30') center/cover;
  opacity: 0.05;
}

.security-inner { position: relative; z-index: 2; }

.security-point { display: flex; gap: 16px; align-items: flex-start; margin-bottom: 24px; }

.security-icon {
  width: 42px;
  height: 42px;
  border-radius: 10px;
  background: rgba(201,168,76,0.12);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.security-icon i { color: var(--gold); font-size: 18px; }
.security-title { font-size: 14px; font-weight: 600; color: #fff; margin-bottom: 5px; }
.security-desc { font-size: 13px; color: rgba(255,255,255,0.55); line-height: 1.6; }
.security-img-main { width: 100%; height: 260px; object-fit: cover; border-radius: 8px; }
.security-img-sm { width: 100%; height: 120px; object-fit: cover; border-radius: 8px; }

.iso-badge {
  background: rgba(255,255,255,0.07);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: 8px;
  padding: 14px 18px;
  display: flex;
  align-items: center;
  gap: 12px;
  color: rgba(255,255,255,0.7);
  font-size: 13px;
  margin-top: 16px;
}

.iso-tag {
  background: var(--gold);
  color: #fff;
  font-size: 11px;
  font-weight: 700;
  padding: 4px 8px;
  border-radius: 4px;
  line-height: 1.4;
}

.iso-title { font-size: 14px; font-weight: 600; color: #fff; }
.iso-sub { font-size: 11px; letter-spacing: 1px; color: rgba(255,255,255,0.45); margin-top: 2px; }

/* ── Trust section ── */
.trust-img-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; }
.trust-img-grid img { width: 100%; height: 160px; object-fit: cover; border-radius: 8px; }

.trust-check {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  margin: 18px 0 28px;
}

.trust-check-item { display: flex; gap: 9px; align-items: flex-start; font-size: 13px; color: var(--text-mid); }
.trust-check-item i { color: var(--gold); margin-top: 2px; flex-shrink: 0; }

/* ── Mobile app ── */
.phone-mockup { max-width: 260px; margin: 0 auto; border-radius: 24px; box-shadow: 0 20px 60px rgba(0,0,0,0.2); }

.app-feature {
  display: flex;
  align-items: center;
  gap: 10px;
  background: #fff;
  border: 1px solid var(--border);
  border-radius: 7px;
  padding: 11px 16px;
  font-size: 13px;
  font-weight: 500;
  color: var(--text-dark);
}

.app-feature i { color: var(--gold); font-size: 16px; }

/* ── Payment partners ── */
.payment-partners-section { background: #fff; }
.partner-label { font-size: 11px; letter-spacing: 2px; text-transform: uppercase; color: var(--text-light); }

.partner-logo {
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 18px 28px;
  opacity: 0.45;
  transition: opacity 0.2s;
  cursor: pointer;
  font-size: 16px;
  font-weight: 700;
  letter-spacing: 1px;
  color: var(--text-dark);
}

.partner-logo:hover { opacity: 1; }
.partner-logo i { font-size: 22px; margin-right: 6px; }

/* ── Form Inputs ── */
.tx-input {
  width: 100%;
  padding: 12px 16px;
  font-size: 14px;
  font-family: 'Sora', sans-serif;
  color: var(--text-dark);
  background: #fff;
  border: 1px solid var(--border);
  border-radius: 6px;
  outline: none;
  transition: border-color 0.15s, box-shadow 0.15s;
}

.tx-input:focus {
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(201, 168, 76, 0.1);
}

textarea.tx-input {
  resize: vertical;
}

/* ── Testimonials ── */
.testi-section { background: var(--navy); position: relative; overflow: hidden; }

.testi-section::before {
  content: '';
  position: absolute;
  inset: 0;
  background: url('https://images.unsplash.com/photo-1454165804606-c3d57bc86b40?w=1200&q=30') center/cover;
  opacity: 0.06;
}

.testi-inner { position: relative; z-index: 2; }

.testi-quote {
  font-family: 'Playfair Display', serif;
  font-size: clamp(18px, 2.5vw, 26px);
  font-style: italic;
  color: rgba(255,255,255,0.85);
  line-height: 1.6;
  margin-bottom: 28px;
}

.testi-quote::before {
  content: '\201C';
  color: var(--gold);
  font-size: 50px;
  line-height: 0;
  vertical-align: -18px;
  margin-right: 4px;
}

.gold-bar--testi { width: 44px; height: 3px; background: var(--gold); border-radius: 2px; margin-bottom: 20px; }
.testi-avatar { width: 46px; height: 46px; border-radius: 50%; object-fit: cover; border: 2px solid var(--gold); }
.testi-name { font-size: 14px; font-weight: 600; color: #fff; }
.testi-role { font-size: 12px; color: rgba(255,255,255,0.5); margin-top: 2px; }
.testi-stars { color: var(--gold); font-size: 13px; margin-top: 8px; }
.testi-nav { margin-top: 24px; }

.testi-nav button {
  width: 32px;
  height: 6px;
  border-radius: 3px;
  border: none;
  background: rgba(255,255,255,0.2);
  margin-right: 5px;
  cursor: pointer;
}

.testi-nav button.active { background: var(--gold); }

/* ── Advantages card ── */
.advantages-card { background: #fff; border-radius: 8px; padding: 28px; }

.adv-item {
  display: flex;
  gap: 14px;
  align-items: flex-start;
  padding: 18px 0;
  border-bottom: 1px solid var(--border);
}

.adv-item:last-of-type { border-bottom: none; }
.adv-icon { color: var(--gold); font-size: 22px; flex-shrink: 0; margin-top: 2px; }
.adv-title { font-size: 14px; font-weight: 600; color: var(--text-dark); margin-bottom: 4px; }
.adv-desc { font-size: 13px; color: var(--text-light); line-height: 1.6; }

/* ── FAQ ── */
.faq-section { background: #fff; }

.faq-lead {
  font-size: 13px;
  font-weight: 600;
  color: var(--text-mid);
  margin-bottom: 14px;
  display: flex;
  align-items: center;
  gap: 8px;
}

.faq-item { border: 1px solid var(--border); border-radius: 7px; margin-bottom: 10px; overflow: hidden; }

.faq-q {
  width: 100%;
  background: none;
  border: none;
  padding: 16px 20px;
  text-align: left;
  font-size: 14px;
  font-weight: 500;
  color: var(--text-dark);
  display: flex;
  justify-content: space-between;
  align-items: center;
  cursor: pointer;
  font-family: 'Sora', sans-serif;
  transition: color 0.15s;
}

.faq-q:hover { color: var(--gold); }
.faq-q .chevron { transition: transform 0.25s; font-size: 14px; color: var(--text-light); }
.faq-item.open .faq-q .chevron { transform: rotate(180deg); color: var(--gold); }

.faq-a {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.3s ease, padding 0.3s;
  padding: 0 20px;
  font-size: 13px;
  color: var(--text-mid);
  line-height: 1.7;
}

.faq-item.open .faq-a { max-height: 200px; padding: 0 20px 16px; }

.faq-img-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 8px; }
.faq-img-grid img { width: 100%; height: 140px; object-fit: cover; border-radius: 7px; }

.still-questions {
  background: var(--navy);
  border-radius: 8px;
  padding: 22px;
  margin-top: 18px;
  display: flex;
  align-items: flex-start;
  gap: 14px;
}

.sq-icon {
  width: 40px;
  height: 40px;
  border-radius: 8px;
  background: rgba(201,168,76,0.15);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.sq-icon i { color: var(--gold); font-size: 18px; }
.sq-title { font-size: 13px; font-weight: 600; color: #fff; margin-bottom: 4px; }
.sq-desc { font-size: 12px; color: rgba(255,255,255,0.5); margin-bottom: 12px; }

/* ── CTA banner ── */
.cta-banner {
  background: var(--navy);
  padding: 30px 0;
  border-top: 1px solid rgba(255,255,255,0.08);
  border-bottom: 1px solid rgba(255,255,255,0.08);
}

.cta-text { font-size: 16px; font-weight: 600; color: rgba(255,255,255,0.85); margin: 0; }

/* ── Footer ── */
.main-footer { background: #0a1628; padding: 56px 0 0; }

.footer-brand-text {
  font-size: 14px;
  color: rgba(255,255,255,0.65);
  line-height: 1.75;
  margin: 16px 0 20px;
}

.footer-heading { font-size: 14px; font-weight: 700; color: #fff; margin-bottom: 18px; letter-spacing: 0.3px; }

.footer-link {
  display: block;
  font-size: 13px;
  color: rgba(255,255,255,0.55);
  text-decoration: none;
  margin-bottom: 9px;
  transition: color 0.15s;
}

.footer-link:hover { color: var(--gold); }
.footer-input-row { display: flex; gap: 8px; margin-top: 14px; }

.footer-input {
  flex: 1;
  background: rgba(255,255,255,0.07);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: 5px;
  padding: 10px 14px;
  font-size: 13px;
  color: #fff;
  font-family: 'Sora', sans-serif;
  outline: none;
}

.footer-input::placeholder { color: rgba(255,255,255,0.3); }
.footer-input:focus { border-color: var(--gold); }

.footer-input-btn {
  background: var(--gold);
  border: none;
  color: #fff;
  padding: 10px 18px;
  border-radius: 5px;
  font-size: 13px;
  font-weight: 600;
  cursor: pointer;
  font-family: 'Sora', sans-serif;
  transition: background 0.15s;
}

.footer-input-btn:hover { background: var(--gold-dark); }
.footer-input-note { font-size: 11px; color: rgba(255,255,255,0.3); margin-top: 8px; }

.footer-contact-item { display: flex; gap: 10px; margin-bottom: 14px; font-size: 13px; color: rgba(255,255,255,0.6); }
.footer-contact-item i { color: var(--gold); margin-top: 2px; flex-shrink: 0; }
.footer-contact-label { font-size: 13px; font-weight: 700; color: #fff; display: block; margin-bottom: 2px; }
.footer-contact-link { color: var(--gold); text-decoration: none; font-size: 12px; }

.social-links { display: flex; gap: 10px; margin-top: 8px; }

.social-link {
  width: 34px;
  height: 34px;
  border-radius: 6px;
  background: rgba(255,255,255,0.07);
  border: 1px solid rgba(255,255,255,0.1);
  display: flex;
  align-items: center;
  justify-content: center;
  color: rgba(255,255,255,0.5);
  text-decoration: none;
  transition: all 0.15s;
  font-size: 14px;
}

.social-link:hover { background: var(--gold); border-color: var(--gold); color: #fff; }

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.08);
  padding: 16px 0;
  margin-top: 40px;
  font-size: 12px;
  color: rgba(255,255,255,0.35);
}

.footer-bottom a { color: rgba(255,255,255,0.45); text-decoration: none; }
.footer-bottom a:hover { color: var(--gold); }

/* ── Footer logo ── */
.footer-logo-img {
  height: 42px;
  max-height: 42px;
  width: auto;
  object-fit: contain;
  display: block;
  margin-bottom: 12px;
}

.footer-brand-icon {
  width: 44px;
  height: 44px;
  background: rgba(201,168,76,0.15);
  border: 1.5px solid var(--gold);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.footer-brand-icon span {
  font-family: 'Playfair Display', serif;
  color: var(--gold);
  font-size: 14px;
  font-weight: 700;
  letter-spacing: -1px;
}

/* ── Back to Top ── */
.back-to-top {
  position: fixed;
  bottom: 28px;
  right: 28px;
  width: 46px;
  height: 46px;
  background: var(--gold);
  border: none;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: #fff;
  font-size: 20px;
  cursor: pointer;
  z-index: 9999;
  box-shadow: 0 4px 18px rgba(201,168,76,0.45);
  opacity: 0;
  visibility: hidden;
  transform: translateY(12px);
  transition: opacity 0.25s, transform 0.25s, visibility 0.25s, background 0.15s;
  text-decoration: none;
}

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

.back-to-top:hover {
  background: var(--gold-dark);
  color: #fff;
  transform: translateY(-3px);
  box-shadow: 0 8px 24px rgba(201,168,76,0.5);
}

/* ─────────────────────────────────────────────── */
/* RESPONSIVE DESIGN - MOBILE FIRST APPROACH */
/* ─────────────────────────────────────────────── */

/* ════════════════════════════════════════════════ */
/* MOBILE DEVICES (320px - 480px) */
/* ════════════════════════════════════════════════ */
@media (max-width: 480px) {
  /* ── Typography ── */
  body { font-size: 13px; }
  
  .section-tag {
    font-size: 10px;
    letter-spacing: 1.5px;
    margin-bottom: 8px;
  }

  .section-title {
    font-size: clamp(18px, 5vw, 24px);
    margin-bottom: 10px;
  }

  .section-title--small {
    font-size: 16px;
    margin-bottom: 4px;
  }

  .body-text { font-size: 13px; }
  .italic-intro { font-size: 15px; margin-bottom: 14px; }

  /* ── Section spacing ── */
  .section-block {
    padding-top: 30px;
    padding-bottom: 30px;
  }

  .section-block:first-of-type { padding-top: 20px; }

  /* ── Navbar ── */
  .main-nav { padding: 8px 0; }
  
  .navbar-brand-link {
    font-size: 14px;
    gap: 6px;
    padding: 6px 0;
  }

  .brand-logo-img {
    height: 36px;
    max-height: 36px;
  }

  .brand-icon {
    width: 36px;
    height: 36px;
  }

  .brand-name-top { font-size: 12px; }
  .brand-name-bot { font-size: 9px; }

  .nav-link-custom {
    font-size: 12px;
    padding: 14px 8px !important;
  }

  /* ── Ticker bar ── */
  .ticker-bar { padding: 4px 0; }
  .ticker-item { gap: 4px; font-size: 9px; }
  .ticker-item .sym { font-size: 9px; }

  /* ── Buttons ── */
  .btn-primary-gold {
    padding: 10px 20px;
    font-size: 13px;
    border-radius: 4px;
    min-height: 40px;
  }

  .btn-primary-gold--sm { padding: 8px 14px; font-size: 12px; }
  .btn-primary-gold--xs { padding: 6px 12px; font-size: 11px; }

  .btn-ghost-white,
  .btn-ghost-border {
    padding: 10px 18px;
    font-size: 13px;
  }

  .btn-login, .btn-open { padding: 8px 12px; font-size: 12px; }

  /* ── Hero section ── IMPROVED RESPONSIVE FIX */
  .hero {
    min-height: 60vh;
    padding: 40px 0;
  }

  .hero-title {
    font-size: clamp(28px, 7vw, 44px);
    line-height: 1.2;
    margin-bottom: 12px;
    letter-spacing: -0.3px;
  }

  .hero-tag {
    font-size: 10px;
    margin-bottom: 12px;
  }

  .hero-tagline {
    font-size: 11px;
    margin-bottom: 14px;
    gap: 8px;
  }

  .hero-sub {
    font-size: 14px;
    margin-bottom: 24px;
    line-height: 1.6;
  }

  /* ── Partners strip ── */
  .partners-strip { padding: 16px 0; }

  .partner-item {
    padding: 0 10px;
    font-size: 11px;
    gap: 4px;
  }

  .partner-item--bold { font-size: 14px; }
  .partner-item-sub { font-size: 8px; }

  /* ── Grid layouts ── */
  .row { --bs-gutter-x: 1rem; }

  .col-md-6,
  .col-lg-3,
  .col-lg-4,
  .col-lg-6 {
    flex: 0 0 100%;
    max-width: 100%;
  }

  /* ── Images ── */
  .about-img { height: 240px; }
  .featured-img { height: 220px; }
  .digital-img { height: 240px; }
  .security-img-main { height: 200px; }
  .security-img-sm { height: 100px; }
  .phone-mockup { max-width: 200px; }

  /* ── Cards ── */
  .service-card {
    padding: 20px 16px;
    margin-bottom: 12px;
  }

  .stat-card-row {
    flex-direction: column;
    align-items: flex-start;
    gap: 10px;
    padding: 14px 14px;
  }

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

  .stat-card-icon i { font-size: 16px; }

  .feature-card {
    padding: 14px;
    gap: 10px;
    margin-bottom: 10px;
  }

  .feature-icon {
    width: 32px;
    height: 32px;
  }

  /* ── Grids ── */
  .trust-img-grid { grid-template-columns: 1fr; gap: 8px; }
  .trust-img-grid img { height: 200px; }

  .trust-check { grid-template-columns: 1fr; gap: 10px; }

  .faq-img-grid { grid-template-columns: 1fr; gap: 6px; }
  .faq-img-grid img { height: 120px; }

  /* ── FAQ ── */
  .faq-q { padding: 14px 14px; font-size: 13px; }
  .faq-a { padding: 0 14px; font-size: 12px; }
  .faq-item.open .faq-a { max-height: 300px; padding: 0 14px 12px; }

  .still-questions {
    padding: 16px;
    gap: 10px;
    flex-direction: column;
  }

  /* ── Stat blocks ── */
  .stat-block {
    padding: 20px 16px;
    margin-bottom: 12px;
  }

  .stat-num { font-size: clamp(20px, 3.5vw, 32px); }
  .stat-label { font-size: 10px; }

  /* ── Step cards ── */
  .step-card { margin-bottom: 12px; }
  .step-img { height: 140px; }
  .step-body { padding: 16px 14px; }
  .step-title { font-size: 14px; }
  .step-desc { font-size: 11px; }

  /* ── Security points ── */
  .security-point { gap: 12px; margin-bottom: 18px; }
  .security-icon {
    width: 36px;
    height: 36px;
  }

  .security-icon i { font-size: 16px; }

  /* ── ISO Badge ── */
  .iso-badge {
    flex-direction: column;
    gap: 8px;
    padding: 10px 12px;
  }

  .iso-title { font-size: 12px; }

  /* ── CTA Banner ── */
  .cta-banner { padding: 20px 0; }
  .cta-text { font-size: 14px; }
  .btn-consult { padding: 8px 16px; font-size: 12px; }

  /* ── Testimonials ── */
  .testi-quote { font-size: clamp(14px, 3vw, 18px); margin-bottom: 16px; }
  .testi-nav button { width: 28px; height: 5px; margin-right: 4px; }

  /* ── Advantages card ── */
  .advantages-card { padding: 20px; }
  .adv-item { padding: 12px 0; gap: 10px; }
  .adv-icon { font-size: 18px; }
  .adv-title { font-size: 13px; }
  .adv-desc { font-size: 12px; }

  /* ── Footer ── */
  .main-footer { padding: 32px 0 0; }
  .footer-heading { font-size: 13px; margin-bottom: 14px; }
  .footer-link { font-size: 12px; margin-bottom: 8px; }
  .footer-input-row { gap: 6px; }
  .footer-input { padding: 8px 10px; font-size: 12px; }
  .footer-input-btn { padding: 8px 12px; font-size: 11px; }
  .footer-brand-text { font-size: 12px; margin: 12px 0 14px; }
  .footer-logo-img { height: 36px; margin-bottom: 10px; }

  .social-links { gap: 8px; }
  .social-link {
    width: 30px;
    height: 30px;
    font-size: 12px;
  }

  .footer-bottom {
    flex-direction: column;
    gap: 10px;
    padding: 12px 0;
    margin-top: 24px;
  }

  .footer-bottom span,
  .footer-bottom .d-flex { font-size: 11px; }

  /* ── Back to Top ── */
  .back-to-top {
    bottom: 20px;
    right: 20px;
    width: 40px;
    height: 40px;
    font-size: 18px;
  }

  /* ── Hero dots ── */
  .hero-dot { width: 20px; height: 3px; }

  /* ── App features ── */
  .app-feature { padding: 9px 12px; font-size: 12px; gap: 8px; }
  .app-feature i { font-size: 14px; }

  /* ── Hamburger button ── */
  .hamburger-btn {
    padding: 6px 8px;
    font-size: 20px;
  }

  /* ── Mobile nav ── */
  .mobile-nav-inner { padding: 12px 0; }
  .mobile-dd-toggle,
  .mobile-nav-inner a {
    padding: 12px 20px;
    font-size: 13px;
  }

  .mobile-dd-menu { max-height: 0; overflow: hidden; }
  .mobile-dd-menu.open { max-height: 300px; }

  /* ── Dropdown menu ── */
  .dropdown-panel { min-width: 180px; }
  .dropdown-panel a { font-size: 12px; padding: 8px 14px; }
}

/* ════════════════════════════════════════════════ */
/* SMALL TABLETS (481px - 768px) */
/* ════════════════════════════════════════════════ */
@media (min-width: 481px) and (max-width: 768px) {
  /* ── Section spacing ── */
  .section-block {
    padding-top: 50px;
    padding-bottom: 50px;
  }

  /* ── Typography ── */
  .section-title { font-size: clamp(22px, 4vw, 32px); }
  .section-title--small { font-size: 19px; }
  .body-text { font-size: 13px; }
  .italic-intro { font-size: 16px; }

  /* ── Navbar ── */
  .navbar-brand-link { font-size: 15px; }
  .brand-name-top { font-size: 13px; }
  .nav-link-custom { padding: 16px 10px !important; font-size: 12px; }

  /* ── Buttons ── */
  .btn-primary-gold { padding: 11px 24px; font-size: 13px; }
  .btn-ghost-white, .btn-ghost-border { padding: 11px 24px; }

  /* ── Hero section ── IMPROVED */
  .hero { min-height: 65vh; }
  .hero-title { font-size: clamp(32px, 6vw, 48px); line-height: 1.2; }

  /* ── Grid layouts - force single column ── */
  .col-lg-3, .col-lg-4, .col-lg-6 {
    flex: 0 0 100%;
    max-width: 100%;
  }

  .col-md-6 {
    flex: 0 0 50%;
    max-width: 50%;
  }

  /* ── Images ── */
  .about-img { height: 300px; }
  .featured-img { height: 280px; }
  .digital-img { height: 300px; }
  .phone-mockup { max-width: 220px; }

  /* ── Cards ── */
  .service-card { padding: 24px 18px; }
  .feature-card { padding: 16px; gap: 12px; }

  /* ── Grids ── */
  .trust-img-grid { grid-template-columns: 1fr 1fr; gap: 10px; }
  .trust-img-grid img { height: 180px; }

  /* ── FAQ ── */
  .faq-img-grid { grid-template-columns: 1fr 1fr; gap: 8px; }

  /* ── CTA ── */
  .cta-text { font-size: 15px; }

  /* ── Footer ── */
  .footer-heading { font-size: 13px; }
  .col-lg-2, .col-lg-3, .col-lg-4 {
    flex: 0 0 50%;
    max-width: 50%;
  }

  /* ── Stat blocks ── */
  .stat-block { padding: 28px 20px; }

  /* ── Back to Top ── */
  .back-to-top {
    bottom: 24px;
    right: 24px;
    width: 44px;
    height: 44px;
  }
}

/* ════════════════════════════════════════════════ */
/* TABLETS & MEDIUM SCREENS (769px - 1024px) */
/* ════════════════════════════════════════════════ */
@media (min-width: 769px) and (max-width: 1024px) {
  /* ── Section spacing ── */
  .section-block { padding-top: 70px; padding-bottom: 70px; }

  /* ── Hero section ── */
  .hero { min-height: 70vh; }
  .hero-title { font-size: 32px; }

  /* ── Navbar ── */
  .nav-link-custom { padding: 18px 12px !important; font-size: 13px; }

  /* ── Grid adjustments ── */
  .col-lg-3 {
    flex: 0 0 50%;
    max-width: 50%;
  }

  .col-lg-4 {
    flex: 0 0 100%;
    max-width: 100%;
  }

  /* ── Cards ── */
  .service-card { padding: 26px 20px; }

  /* ── Images ── */
  .about-img { height: 320px; }
  .featured-img { height: 300px; }
  .digital-img { height: 320px; }
  .phone-mockup { max-width: 240px; }

  /* ── Footer - adjust columns ── */
  .col-lg-2, .col-lg-3 {
    flex: 0 0 50%;
    max-width: 50%;
  }

  .col-lg-4 {
    flex: 0 0 100%;
    max-width: 100%;
  }

  /* ── Stats band ── */
  .stat-block { padding: 30px 22px; }

  /* ── CTA ── */
  .cta-text { font-size: 16px; }
}

/* ════════════════════════════════════════════════ */
/* SMALL DESKTOP (1025px - 1199px) */
/* ════════════════════════════════════════════════ */
@media (min-width: 1025px) and (max-width: 1199px) {
  /* ── Section spacing ── */
  .section-block { padding-top: 70px; padding-bottom: 70px; }

  /* ── Grids - adjust spacing ── */
  .row { --bs-gutter-x: 1.5rem; }

  /* ── Images ── */
  .about-img { height: 340px; }
  .featured-img { height: 320px; }
  .digital-img { height: 340px; }

  /* ── Cards ── */
  .service-card { padding: 26px 20px; }
}

/* ════════════════════════════════════════════════ */
/* LARGE DESKTOP (1200px+) */
/* ════════════════════════════════════════════════ */
@media (min-width: 1200px) {
  /* ── Section spacing ── */
  .section-block { padding-top: 80px; padding-bottom: 80px; }

  /* ── Images ── */
  .about-img { height: 380px; }
  .featured-img { height: 340px; }
  .digital-img { height: 360px; }

  /* ── Cards ── */
  .service-card { padding: 28px 22px; }
}

/* ════════════════════════════════════════════════ */
/* LANDSCAPE MODE (Height < 500px) */
/* ════════════════════════════════════════════════ */
@media (max-height: 500px) {
  .hero { min-height: auto; padding: 30px 0; }
  .hero-title { font-size: 20px; margin-bottom: 8px; }
  .hero-subtitle { font-size: 12px; }
  .section-block { padding-top: 40px; padding-bottom: 40px; }
}

/* ════════════════════════════════════════════════ */
/* TOUCH DEVICE OPTIMIZATIONS */
/* ════════════════════════════════════════════════ */
@media (hover: none) and (pointer: coarse) {
  /* Increase touch target sizes */
  .nav-link-custom { min-height: 44px; }
  .btn-primary-gold, .btn-ghost-white, .btn-ghost-border {
    min-height: 44px;
  }

  .social-link { width: 40px; height: 40px; }
  .faq-q { padding: 18px 20px; }

  /* Reduce hover effects on touch devices */
  .service-card:hover { transform: none; }
  .step-card:hover { transform: none; }
}

/* ════════════════════════════════════════════════ */
/* PRINT STYLES */
/* ════════════════════════════════════════════════ */
@media print {
  .main-nav, .back-to-top, .cta-banner { display: none; }
  .section-block { padding: 20px 0; }
  body { background: white; color: black; }
}

/* ════════════════════════════════════════════════ */
/* ACCESSIBILITY - REDUCED MOTION */
/* ════════════════════════════════════════════════ */
@media (prefers-reduced-motion: reduce) {
  * { animation-duration: 0.01ms !important; animation-iteration-count: 1 !important; transition-duration: 0.01ms !important; }
}

/* ════════════════════════════════════════════════ */
/* DARK MODE SUPPORT (Future-ready) */
/* ════════════════════════════════════════════════ */
@media (prefers-color-scheme: dark) {
  /* Add dark mode styles here if needed */
}