/* ============================================
   GlobalTrust Banking - Premium Fintech Theme
   Dark Navy + Deep Blue + Gold Accents
   ============================================ */
@import url('https://fonts.googleapis.com/css2?family=Inter:wght@300;400;500;600;700;800;900&family=Playfair+Display:wght@400;500;600;700&display=swap');

:root {
    --navy: #081120;
    --navy-light: #0D2B52;
    --navy-mid: #132d4f;
    --gold: #D4AF37;
    --gold-light: #E8CC6E;
    --gold-dark: #B8960C;
    --white: #FFFFFF;
    --gray-100: #F8F9FA;
    --gray-200: #E9ECEF;
    --gray-300: #DEE2E6;
    --gray-400: #ADB5BD;
    --gray-500: #6C757D;
    --gray-600: #495057;
    --gray-700: #343A40;
    --gray-800: #212529;
    --shadow-sm: 0 2px 8px rgba(8, 17, 32, 0.06);
    --shadow-md: 0 4px 20px rgba(8, 17, 32, 0.1);
    --shadow-lg: 0 8px 40px rgba(8, 17, 32, 0.12);
    --shadow-xl: 0 16px 60px rgba(8, 17, 32, 0.16);
    --radius-sm: 8px;
    --radius-md: 12px;
    --radius-lg: 16px;
    --radius-xl: 24px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }

body {
    font-family: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
    color: var(--gray-700);
    line-height: 1.7;
    background: var(--white);
    -webkit-font-smoothing: antialiased;
}

h1, h2, h3, h4, h5, h6 {
    font-family: 'Inter', sans-serif;
    font-weight: 700;
    color: var(--navy);
    line-height: 1.2;
}

/* ============================================
   LOGO SIZING - RESPONSIVE
   ============================================ */
.logo img,
.navbar-logo,
.sidebar-logo,
.footer-logo,
.login-logo,
.auth-logo {
    max-height: 55px;
    width: auto;
    height: auto;
    max-width: 100%;
    object-fit: contain;
    display: block;
    image-rendering: auto;
    transition: all 0.3s ease;
}

/* Navbar logo */
.navbar-logo {
    max-height: 55px;
    max-width: 200px;
}

.navbar.scrolled .navbar-logo {
    max-height: 45px;
}

/* Header logo */
.header-logo {
    height: 60px;
    width: auto;
    object-fit: contain;
}

/* Footer logo */
.footer-logo {
    max-height: 55px;
    max-width: 200px;
    margin-bottom: 1rem;
}

/* Sidebar logo */
.sidebar-logo {
    max-height: 50px;
    max-width: 180px;
}

/* Login/Auth logo */
.login-logo,
.auth-logo {
    max-height: 120px;
    max-width: 240px;
    margin-bottom: 1rem;
}

/* ============================================
   NAVBAR
   ============================================ */
.navbar {
    padding: 0.5rem 0;
    background: rgba(8, 17, 32, 0.98) !important;
    backdrop-filter: blur(20px);
    border-bottom: 1px solid rgba(212, 175, 55, 0.15);
    transition: all 0.3s ease;
    min-height: 80px;
}

.navbar.scrolled {
    padding: 0.25rem 0;
    box-shadow: 0 4px 30px rgba(0, 0, 0, 0.3);
    min-height: 60px;
}

.navbar-brand {
    font-size: 1.4rem;
    font-weight: 800;
    color: var(--white) !important;
    letter-spacing: -0.02em;
    display: flex;
    align-items: center;
}

.navbar-brand .brand-gold { color: var(--gold); }

.nav-link {
    font-weight: 500;
    font-size: 0.9rem;
    padding: 0.5rem 1rem !important;
    color: rgba(255, 255, 255, 0.8) !important;
    transition: all 0.2s ease;
    position: relative;
}

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

.nav-link::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 50%;
    width: 0;
    height: 2px;
    background: var(--gold);
    transition: all 0.3s ease;
    transform: translateX(-50%);
}

.nav-link:hover::after { width: 60%; }

.nav-btn-outline {
    border: 1.5px solid var(--gold) !important;
    color: var(--gold) !important;
    border-radius: var(--radius-sm) !important;
    font-weight: 600 !important;
    padding: 0.5rem 1.25rem !important;
    transition: all 0.3s ease !important;
}

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

.nav-btn-outline::after { display: none !important; }

.nav-btn-gold {
    background: var(--gold) !important;
    color: var(--navy) !important;
    border-radius: var(--radius-sm) !important;
    font-weight: 700 !important;
    padding: 0.5rem 1.25rem !important;
    transition: all 0.3s ease !important;
    border: none !important;
}

.nav-btn-gold:hover {
    background: var(--gold-light) !important;
    transform: translateY(-1px);
    box-shadow: 0 4px 15px rgba(212, 175, 55, 0.4);
}

.nav-btn-gold::after { display: none !important; }

.navbar-toggler { border-color: rgba(212, 175, 55, 0.3) !important; }
.navbar-toggler:focus { box-shadow: 0 0 0 2px rgba(212, 175, 55, 0.3); }

/* ============================================
   HERO SECTION
   ============================================ */
.premium-hero {
    background: linear-gradient(160deg, rgba(8,17,32,0.40) 0%, rgba(13,43,82,0.35) 40%, rgba(19,45,79,0.35) 70%, rgba(8,17,32,0.40) 100%),
                url('https://images.unsplash.com/photo-1556742049-0cfed4f6a45d?w=1600&q=80') center/cover no-repeat;
    position: relative;
    min-height: 100vh;
    display: flex;
    align-items: center;
    overflow: hidden;
}

.premium-hero::before {
    content: '';
    position: absolute;
    top: -50%;
    right: -20%;
    width: 80%;
    height: 200%;
    background: radial-gradient(ellipse, rgba(212, 175, 55, 0.05) 0%, transparent 60%);
    pointer-events: none;
}

.premium-hero::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    right: 0;
    height: 200px;
    background: linear-gradient(to top, rgba(8, 17, 32, 0.2), transparent);
    pointer-events: none;
}

.hero-grid-overlay {
    position: absolute;
    inset: 0;
    background-image: 
        linear-gradient(rgba(212, 175, 55, 0.02) 1px, transparent 1px),
        linear-gradient(90deg, rgba(212, 175, 55, 0.02) 1px, transparent 1px);
    background-size: 60px 60px;
    pointer-events: none;
}

.hero-content { position: relative; z-index: 2; }

.hero-badge {
    display: inline-flex;
    align-items: center;
    gap: 0.5rem;
    background: rgba(212, 175, 55, 0.12);
    border: 1px solid rgba(212, 175, 55, 0.25);
    color: var(--gold);
    padding: 0.5rem 1.25rem;
    border-radius: 50px;
    font-size: 0.85rem;
    font-weight: 600;
    margin-bottom: 1.5rem;
}

.hero-title {
    font-size: 3.5rem;
    font-weight: 900;
    color: var(--white);
    letter-spacing: -0.03em;
    line-height: 1.1;
    margin-bottom: 1.5rem;
}

.hero-title .gold-text {
    background: linear-gradient(135deg, var(--gold), var(--gold-light));
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
}

.hero-subtitle {
    font-size: 1.15rem;
    color: rgba(255, 255, 255, 0.65);
    font-weight: 400;
    line-height: 1.8;
    margin-bottom: 2.5rem;
    max-width: 520px;
}

.hero-buttons { display: flex; gap: 1rem; flex-wrap: wrap; margin-bottom: 3rem; }

.btn-hero-primary {
    background: linear-gradient(135deg, var(--gold), var(--gold-dark));
    color: var(--navy);
    font-weight: 700;
    font-size: 1rem;
    padding: 0.9rem 2rem;
    border-radius: var(--radius-sm);
    border: none;
    transition: all 0.3s ease;
    display: inline-flex;
    align-items: center;
    gap: 0.5rem;
}

.btn-hero-primary:hover {
    transform: translateY(-2px);
    box-shadow: 0 8px 30px rgba(212, 175, 55, 0.4);
    color: var(--navy);
}

.btn-hero-secondary {
    background: rgba(255, 255, 255, 0.08);
    color: var(--white);
    font-weight: 600;
    font-size: 1rem;
    padding: 0.9rem 2rem;
    border-radius: var(--radius-sm);
    border: 1.5px solid rgba(255, 255, 255, 0.15);
    transition: all 0.3s ease;
    display: inline-flex;
    align-items: center;
    gap: 0.5rem;
}

.btn-hero-secondary:hover {
    background: rgba(255, 255, 255, 0.15);
    border-color: rgba(255, 255, 255, 0.3);
    color: var(--white);
    transform: translateY(-2px);
}

.btn-hero-outline {
    background: transparent;
    color: var(--gold);
    font-weight: 600;
    font-size: 1rem;
    padding: 0.9rem 2rem;
    border-radius: var(--radius-sm);
    border: 1.5px solid var(--gold);
    transition: all 0.3s ease;
    display: inline-flex;
    align-items: center;
    gap: 0.5rem;
}

.btn-hero-outline:hover {
    background: var(--gold);
    color: var(--navy);
    transform: translateY(-2px);
    box-shadow: 0 8px 30px rgba(212, 175, 55, 0.3);
}

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

.hero-stat-value {
    font-size: 1.75rem;
    font-weight: 800;
    color: var(--white);
    line-height: 1;
    margin-bottom: 0.25rem;
}

.hero-stat-label {
    font-size: 0.8rem;
    color: rgba(255, 255, 255, 0.5);
    font-weight: 500;
    text-transform: uppercase;
    letter-spacing: 0.05em;
}

/* Hero Visual */
.hero-visual { position: relative; z-index: 2; }
.hero-card-stack { position: relative; max-width: 420px; margin: 0 auto; }

.hero-bank-card {
    background: linear-gradient(135deg, #1a1a2e 0%, #2d2d5e 50%, #1a1a2e 100%);
    border-radius: 20px;
    padding: 2rem;
    color: var(--white);
    box-shadow: 0 30px 60px rgba(0, 0, 0, 0.5);
    border: 1px solid rgba(212, 175, 55, 0.2);
    transform: perspective(800px) rotateY(-8deg) rotateX(3deg);
    transition: transform 0.6s ease;
    position: relative;
    overflow: hidden;
}

.hero-bank-card::before {
    content: '';
    position: absolute;
    top: -50%;
    right: -50%;
    width: 100%;
    height: 100%;
    background: radial-gradient(circle, rgba(212, 175, 55, 0.15) 0%, transparent 60%);
    pointer-events: none;
}

.hero-bank-card:hover { transform: perspective(800px) rotateY(0deg) rotateX(0deg); }

.hero-card-chip {
    width: 45px;
    height: 34px;
    background: linear-gradient(135deg, var(--gold), var(--gold-dark));
    border-radius: 6px;
    margin-bottom: 1.5rem;
}

.hero-card-number {
    font-family: 'Courier New', monospace;
    font-size: 1.3rem;
    letter-spacing: 4px;
    margin-bottom: 1.5rem;
    color: rgba(255, 255, 255, 0.9);
}

.hero-card-label {
    font-size: 0.6rem;
    text-transform: uppercase;
    letter-spacing: 1.5px;
    color: rgba(255, 255, 255, 0.4);
    margin-bottom: 0.25rem;
}

.hero-card-value { font-size: 0.85rem; font-weight: 600; color: var(--white); }
.hero-card-brand { font-size: 2rem; color: var(--gold); }

.hero-floating-badge {
    position: absolute;
    background: rgba(255, 255, 255, 0.1);
    backdrop-filter: blur(10px);
    border: 1px solid rgba(255, 255, 255, 0.15);
    border-radius: var(--radius-md);
    padding: 0.75rem 1rem;
    display: flex;
    align-items: center;
    gap: 0.5rem;
    color: var(--white);
    font-size: 0.85rem;
    font-weight: 600;
    animation: float 3s ease-in-out infinite;
}

.hero-floating-badge.badge-1 { top: 10%; right: -10%; animation-delay: 0s; }
.hero-floating-badge.badge-2 { bottom: 15%; left: -10%; animation-delay: 1.5s; }

@keyframes float {
    0%, 100% { transform: translateY(0); }
    50% { transform: translateY(-10px); }
}

/* ============================================
   SECTION COMMON
   ============================================ */
.section-padding { padding: 6rem 0; }

.section-header { text-align: center; margin-bottom: 4rem; }

.section-label {
    display: inline-flex;
    align-items: center;
    gap: 0.5rem;
    color: var(--gold);
    font-size: 0.85rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.1em;
    margin-bottom: 1rem;
}

.section-label::before,
.section-label::after {
    content: '';
    width: 30px;
    height: 1.5px;
    background: var(--gold);
}

.section-title {
    font-size: 2.5rem;
    font-weight: 800;
    color: var(--navy);
    letter-spacing: -0.02em;
    margin-bottom: 1rem;
}

.section-subtitle {
    font-size: 1.1rem;
    color: var(--gray-500);
    max-width: 600px;
    margin: 0 auto;
    line-height: 1.7;
}

/* ============================================
   SERVICE CARDS
   ============================================ */
.service-card-premium {
    background: var(--white);
    border-radius: var(--radius-lg);
    padding: 0;
    border: 1px solid var(--gray-200);
    transition: all 0.4s cubic-bezier(0.25, 0.46, 0.45, 0.94);
    height: 100%;
    position: relative;
    overflow: hidden;
}

.service-card-img {
    width: 100%;
    height: 220px;
    overflow: hidden;
    border-radius: var(--radius-lg) var(--radius-lg) 0 0;
}

.service-card-img img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    transition: transform 0.6s cubic-bezier(0.25, 0.46, 0.45, 0.94);
}

.service-card-premium:hover .service-card-img img {
    transform: scale(1.12);
}

.service-card-premium .service-icon-premium,
.service-card-premium h5,
.service-card-premium p,
.service-card-premium .service-features {
    padding-left: 2rem;
    padding-right: 2rem;
}

.service-card-premium h5,
.service-card-premium p,
.service-card-premium .service-features {
    padding-left: 2rem;
    padding-right: 2rem;
}

.service-card-premium .service-icon-premium {
    margin-top: 1.5rem;
}

.service-card-premium .service-features {
    padding-bottom: 2rem;
}

.service-card-premium::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 3px;
    background: linear-gradient(90deg, var(--gold), var(--gold-light));
    transform: scaleX(0);
    transition: transform 0.4s ease;
    transform-origin: left;
}

.service-card-premium:hover {
    transform: translateY(-8px);
    box-shadow: var(--shadow-xl);
    border-color: transparent;
}

.service-card-premium:hover::before { transform: scaleX(1); }

.service-icon-premium {
    width: 60px;
    height: 60px;
    border-radius: var(--radius-md);
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 1.5rem;
    font-size: 1.5rem;
    transition: all 0.3s ease;
}

.service-icon-premium.icon-gold { background: rgba(212, 175, 55, 0.1); color: var(--gold); }
.service-icon-premium.icon-navy { background: rgba(13, 43, 82, 0.1); color: var(--navy-light); }
.service-icon-premium.icon-blue { background: rgba(13, 110, 253, 0.1); color: #0d6efd; }

.service-card-premium:hover .service-icon-premium { transform: scale(1.1); }

.service-card-premium h5 { font-size: 1.1rem; font-weight: 700; margin-bottom: 0.75rem; color: var(--navy); }
.service-card-premium p { color: var(--gray-500); font-size: 0.9rem; margin-bottom: 1rem; line-height: 1.6; }

.service-card-premium .service-features { list-style: none; padding: 0; margin: 0; }
.service-card-premium .service-features li {
    font-size: 0.85rem;
    color: var(--gray-600);
    padding: 0.25rem 0;
    display: flex;
    align-items: center;
    gap: 0.5rem;
}
.service-card-premium .service-features li i { color: var(--gold); font-size: 0.75rem; }

/* ============================================
   DIGITAL FEATURES SECTION
   ============================================ */
.digital-features-section {
    background: linear-gradient(160deg, #081120 0%, #0D2B52 100%);
    position: relative;
    overflow: hidden;
}

.digital-features-section::before {
    content: '';
    position: absolute;
    top: 0; left: 0; right: 0; bottom: 0;
    background: 
        radial-gradient(circle at 20% 80%, rgba(212, 175, 55, 0.06) 0%, transparent 40%),
        radial-gradient(circle at 80% 20%, rgba(212, 175, 55, 0.04) 0%, transparent 40%);
    pointer-events: none;
}

.feature-card-dark {
    background: rgba(255, 255, 255, 0.04);
    border: 1px solid rgba(255, 255, 255, 0.08);
    border-radius: var(--radius-lg);
    padding: 2rem;
    transition: all 0.4s ease;
    height: 100%;
}

.feature-card-dark:hover {
    background: rgba(255, 255, 255, 0.08);
    border-color: rgba(212, 175, 55, 0.3);
    transform: translateY(-5px);
}

.feature-card-dark .feature-icon {
    width: 56px;
    height: 56px;
    border-radius: var(--radius-md);
    background: rgba(212, 175, 55, 0.12);
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 1.25rem;
    font-size: 1.4rem;
    color: var(--gold);
    transition: all 0.3s ease;
}

.feature-card-dark:hover .feature-icon {
    background: rgba(212, 175, 55, 0.2);
    transform: scale(1.1);
}

.feature-card-dark h5 { color: var(--white); font-size: 1.05rem; font-weight: 700; margin-bottom: 0.75rem; }
.feature-card-dark p { color: rgba(255, 255, 255, 0.5); font-size: 0.9rem; margin: 0; line-height: 1.6; }

/* ============================================
   TRUST FEATURE CARDS
   ============================================ */
.trust-feature-card {
    background: var(--white);
    border-radius: var(--radius-lg);
    padding: 2rem;
    border: 1px solid var(--gray-200);
    transition: all 0.4s ease;
    height: 100%;
    text-align: center;
}

.trust-feature-card:hover {
    transform: translateY(-6px);
    box-shadow: var(--shadow-xl);
    border-color: rgba(212, 175, 55, 0.3);
}

.trust-feature-icon {
    width: 72px;
    height: 72px;
    border-radius: 50%;
    background: linear-gradient(135deg, rgba(212, 175, 55, 0.1), rgba(212, 175, 55, 0.05));
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 1.25rem;
    font-size: 1.75rem;
    color: var(--gold);
    transition: all 0.3s ease;
}

.trust-feature-card:hover .trust-feature-icon {
    background: linear-gradient(135deg, var(--gold), var(--gold-light));
    color: var(--navy);
    transform: scale(1.1);
}

.trust-feature-card h5 {
    font-size: 1rem;
    font-weight: 700;
    color: var(--navy);
    margin-bottom: 0.75rem;
}

.trust-feature-card p {
    font-size: 0.85rem;
    color: var(--gray-500);
    line-height: 1.6;
    margin: 0;
}

/* ============================================
   DROPDOWN MEGA MENU
   ============================================ */
.mega-dropdown {
    min-width: 280px;
    padding: 0.75rem 0;
    border: none;
    box-shadow: var(--shadow-xl);
    border-radius: var(--radius-md);
    background: var(--white);
}

.mega-dropdown .dropdown-header {
    font-size: 0.75rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.08em;
    color: var(--gold-dark);
    padding: 0.5rem 1.25rem 0.25rem;
}

.mega-dropdown .dropdown-item {
    font-size: 0.9rem;
    padding: 0.5rem 1.25rem;
    color: var(--gray-700);
    transition: all 0.2s ease;
}

.mega-dropdown .dropdown-item:hover {
    background: rgba(212, 175, 55, 0.08);
    color: var(--navy);
    padding-left: 1.5rem;
}

.mega-dropdown .dropdown-item i {
    color: var(--gold);
    font-size: 0.85rem;
}

.mega-dropdown .dropdown-divider {
    margin: 0.35rem 0;
    border-color: var(--gray-200);
}

.dropdown-menu {
    min-width: 200px;
    padding: 0.5rem 0;
    border: none;
    box-shadow: var(--shadow-lg);
    border-radius: var(--radius-md);
}

.dropdown-menu .dropdown-item {
    font-size: 0.9rem;
    padding: 0.5rem 1rem;
    color: var(--gray-700);
    transition: all 0.2s ease;
}

.dropdown-menu .dropdown-item:hover {
    background: rgba(212, 175, 55, 0.08);
    color: var(--navy);
}

.dropdown-menu .dropdown-item i {
    color: var(--gold);
}

/* ============================================
   INSURANCE SECTION (legacy - kept for compatibility)
   ============================================ */
.insurance-card {
    background: var(--white);
    border-radius: var(--radius-lg);
    overflow: hidden;
    border: 1px solid var(--gray-200);
    transition: all 0.4s ease;
    height: 100%;
}

.insurance-card:hover {
    transform: translateY(-6px);
    box-shadow: var(--shadow-xl);
    border-color: transparent;
}

.insurance-card-header { padding: 1.5rem 1.5rem 1rem; display: flex; align-items: center; gap: 1rem; }

.insurance-icon {
    width: 52px;
    height: 52px;
    border-radius: var(--radius-md);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.3rem;
    flex-shrink: 0;
}

.insurance-card-body { padding: 0 1.5rem 1.5rem; }
.insurance-card-body h5 { font-size: 1.05rem; font-weight: 700; margin-bottom: 0.5rem; color: var(--navy); }
.insurance-card-body p { font-size: 0.85rem; color: var(--gray-500); margin: 0; line-height: 1.6; }

.insurance-card-footer {
    padding: 1rem 1.5rem;
    border-top: 1px solid var(--gray-200);
    display: flex;
    justify-content: space-between;
    align-items: center;
}

.insurance-card-footer .learn-more {
    color: var(--gold);
    font-weight: 600;
    font-size: 0.85rem;
    text-decoration: none;
    display: flex;
    align-items: center;
    gap: 0.25rem;
    transition: all 0.2s ease;
}

.insurance-card-footer .learn-more:hover { gap: 0.5rem; color: var(--gold-dark); }

/* ============================================
   STATISTICS SECTION
   ============================================ */
.stats-section {
    background: linear-gradient(160deg, #081120 0%, #0D2B52 100%);
    position: relative;
    overflow: hidden;
}

.stats-section::before {
    content: '';
    position: absolute;
    inset: 0;
    background: radial-gradient(circle at 30% 50%, rgba(212, 175, 55, 0.08) 0%, transparent 50%);
    pointer-events: none;
}

.stat-card { text-align: center; padding: 2.5rem 1.5rem; position: relative; overflow: hidden; }

.stat-card::after {
    content: '';
    position: absolute;
    right: 0;
    top: 20%;
    bottom: 20%;
    width: 1px;
    background: rgba(255, 255, 255, 0.1);
}

.stat-card:last-child::after { display: none; }

.stat-icon {
    width: 64px;
    height: 64px;
    border-radius: 50%;
    background: rgba(212, 175, 55, 0.12);
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 1.25rem;
    font-size: 1.5rem;
    color: var(--gold);
}

.stat-value {
    font-size: clamp(24px, 3vw, 56px);
    font-weight: 900;
    color: var(--white);
    line-height: 1.1;
    margin-bottom: 0.5rem;
    letter-spacing: -0.02em;
    word-break: break-word;
    overflow-wrap: anywhere;
}

.stat-label {
    font-size: 0.85rem;
    color: rgba(255, 255, 255, 0.5);
    font-weight: 500;
    text-transform: uppercase;
    letter-spacing: 0.08em;
}

/* ============================================
   TESTIMONIALS
   ============================================ */
.testimonial-card {
    background: var(--white);
    border-radius: var(--radius-lg);
    padding: 2rem;
    border: 1px solid var(--gray-200);
    transition: all 0.3s ease;
    height: 100%;
}

.testimonial-card:hover { box-shadow: var(--shadow-lg); border-color: transparent; }
.testimonial-stars { color: var(--gold); font-size: 0.9rem; margin-bottom: 1rem; }

.testimonial-text {
    font-size: 0.95rem;
    color: var(--gray-600);
    line-height: 1.7;
    margin-bottom: 1.5rem;
    font-style: italic;
}

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

.testimonial-avatar {
    width: 48px;
    height: 48px;
    border-radius: 50%;
    background: linear-gradient(135deg, var(--navy-light), var(--navy));
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--gold);
    font-weight: 700;
    font-size: 1.1rem;
}

.testimonial-name { font-weight: 700; font-size: 0.95rem; color: var(--navy); margin-bottom: 0.1rem; }
.testimonial-role { font-size: 0.8rem; color: var(--gray-500); }

/* ============================================
   NEWS SECTION
   ============================================ */
.news-card {
    background: var(--white);
    border-radius: var(--radius-lg);
    overflow: hidden;
    border: 1px solid var(--gray-200);
    transition: all 0.4s ease;
    height: 100%;
}

.news-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-xl); border-color: transparent; }

.news-card-image {
    height: 200px;
    background: linear-gradient(135deg, var(--navy), var(--navy-light));
    display: flex;
    align-items: center;
    justify-content: center;
    position: relative;
    overflow: hidden;
}

.news-card-image i { font-size: 3rem; color: rgba(212, 175, 55, 0.3); }

.news-card-image .news-category {
    position: absolute;
    top: 1rem;
    left: 1rem;
    background: var(--gold);
    color: var(--navy);
    padding: 0.3rem 0.75rem;
    border-radius: 50px;
    font-size: 0.75rem;
    font-weight: 700;
    text-transform: uppercase;
}

.news-card-body { padding: 1.5rem; }
.news-card-body h5 { font-size: 1.05rem; font-weight: 700; margin-bottom: 0.75rem; color: var(--navy); line-height: 1.4; }
.news-card-body p { font-size: 0.85rem; color: var(--gray-500); line-height: 1.6; margin-bottom: 1rem; }

.news-card-meta {
    display: flex;
    align-items: center;
    gap: 1rem;
    font-size: 0.8rem;
    color: var(--gray-400);
}

/* ============================================
   CTA SECTION
   ============================================ */
.cta-section {
    background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
    position: relative;
    overflow: hidden;
}

.cta-section::before {
    content: '';
    position: absolute;
    top: -50%;
    right: -20%;
    width: 60%;
    height: 200%;
    background: radial-gradient(ellipse, rgba(212, 175, 55, 0.08) 0%, transparent 60%);
    pointer-events: none;
}

.cta-title { font-size: 2.5rem; font-weight: 800; color: var(--white); letter-spacing: -0.02em; }
.cta-subtitle { font-size: 1.1rem; color: rgba(255, 255, 255, 0.6); }

/* ============================================
   FOOTER
   ============================================ */
.premium-footer {
    background: var(--navy);
    color: rgba(255, 255, 255, 0.6);
    padding: 4rem 0 0;
    position: relative;
}

.premium-footer::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 1px;
    background: linear-gradient(90deg, transparent, var(--gold), transparent);
}

.footer-brand { font-size: 1.4rem; font-weight: 800; color: var(--white); margin-bottom: 1rem; }
.footer-brand .brand-gold { color: var(--gold); }
.footer-description { font-size: 0.9rem; line-height: 1.7; margin-bottom: 1.5rem; }

.footer-heading {
    font-size: 0.85rem;
    font-weight: 700;
    color: var(--white);
    text-transform: uppercase;
    letter-spacing: 0.08em;
    margin-bottom: 1.25rem;
}

.footer-links { list-style: none; padding: 0; margin: 0; }
.footer-links li { margin-bottom: 0.6rem; }
.footer-links a {
    color: rgba(255, 255, 255, 0.5);
    text-decoration: none;
    font-size: 0.9rem;
    transition: all 0.2s ease;
}
.footer-links a:hover { color: var(--gold); padding-left: 4px; }

.footer-contact-item {
    display: flex;
    align-items: center;
    gap: 0.75rem;
    margin-bottom: 0.75rem;
    font-size: 0.9rem;
}

.footer-contact-item i { color: var(--gold); font-size: 1rem; }

.footer-bottom {
    border-top: 1px solid rgba(255, 255, 255, 0.08);
    padding: 1.5rem 0;
    margin-top: 3rem;
}

.footer-bottom p { margin: 0; font-size: 0.85rem; }

.footer-social-links { display: flex; gap: 0.75rem; }
.footer-social-links a {
    width: 36px;
    height: 36px;
    border-radius: 50%;
    background: rgba(255, 255, 255, 0.06);
    display: flex;
    align-items: center;
    justify-content: center;
    color: rgba(255, 255, 255, 0.6);
    text-decoration: none;
    transition: all 0.3s ease;
    font-size: 0.9rem;
}
.footer-social-links a:hover {
    background: var(--gold);
    color: var(--navy);
    transform: translateY(-2px);
}

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

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

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

/* ============================================
   RESPONSIVE
   ============================================ */
@media (max-width: 991.98px) {
    .hero-title { font-size: 2.5rem; }
    .premium-hero { min-height: auto; padding: 6rem 0 4rem; }
    .hero-stats { gap: 2rem; }
    .section-title { font-size: 2rem; }
    .stat-card::after { display: none; }
    .cta-title { font-size: 2rem; }
    
    /* Tablet logo sizing */
    .navbar-logo { max-height: 50px; max-width: 180px; }
    .navbar.scrolled .navbar-logo { max-height: 42px; }
    .header-logo { height: 50px; }
    .footer-logo { max-height: 50px; }
    .sidebar-logo { max-height: 45px; }
    .login-logo, .auth-logo { max-height: 100px; }
    
    .trust-feature-card { margin-bottom: 1rem; }
}

@media (max-width: 767.98px) {
    .hero-title { font-size: 2rem; }
    .hero-subtitle { font-size: 1rem; }
    .hero-stats { flex-wrap: wrap; gap: 1.5rem; }
    .hero-stat-value { font-size: 1.4rem; }
    .section-padding { padding: 4rem 0; }
    .section-title { font-size: 1.75rem; }
    .stat-value { font-size: 2rem; }
    .cta-title { font-size: 1.75rem; }
    .hero-bank-card { padding: 1.5rem; }
    .hero-card-number { font-size: 1.1rem; letter-spacing: 2px; }
    
    /* Mobile logo sizing */
    .navbar-logo { max-height: 45px; max-width: 160px; }
    .navbar.scrolled .navbar-logo { max-height: 38px; }
    .navbar-brand {
        display: flex;
        justify-content: center;
        align-items: center;
        padding: 15px 10px;
    }
    .header-logo {
        height: 80px !important;
        width: auto !important;
        max-width: 260px;
        object-fit: contain;
    }
    .footer-logo { max-height: 45px; }
    .sidebar-logo { max-height: 40px; max-width: 140px; }
    .login-logo, .auth-logo { max-height: 90px; max-width: 200px; }
    
    .hero-buttons { flex-direction: column; }
    .hero-buttons .btn-hero-primary,
    .hero-buttons .btn-hero-secondary,
    .hero-buttons .btn-hero-outline {
        width: 100%;
        justify-content: center;
    }
    .service-card-img { height: 180px; }
    .trust-feature-card { padding: 1.5rem; }
    .trust-feature-icon { width: 56px; height: 56px; font-size: 1.4rem; }
    .mega-dropdown { min-width: 240px; }
}

@media (max-width: 575.98px) {
    /* Small mobile logo sizing */
    .navbar-logo { max-height: 42px; max-width: 140px; }
    .navbar.scrolled .navbar-logo { max-height: 36px; }
    .footer-logo { max-height: 42px; }
    .sidebar-logo { max-height: 38px; max-width: 120px; }
    .login-logo, .auth-logo { max-height: 80px; max-width: 180px; }
    
    .hero-title { font-size: 1.75rem; }
    .section-title { font-size: 1.5rem; }
    .hero-stat-value { font-size: 1.2rem; }
    .service-card-img { height: 160px; }
}

/* ============================================
   GLOBAL IMAGE VISIBILITY ENHANCEMENTS
   ============================================ */

/* Hero and Banner Background Images - Enhanced Visibility */
.premium-hero,
.service-hero,
.page-hero,
.banner-section,
.hero-section {
    background-size: cover !important;
    background-position: center center !important;
    background-repeat: no-repeat !important;
}

/* All background images - brightness and contrast boost */
.premium-hero {
    background-image: linear-gradient(160deg, rgba(8,17,32,0.40) 0%, rgba(13,43,82,0.35) 40%, rgba(19,45,79,0.35) 70%, rgba(8,17,32,0.40) 100%),
                      url('https://images.unsplash.com/photo-1556742049-0cfed4f6a45d?w=1600&q=80') center/cover no-repeat !important;
}

/* Service Hero Sections - Reduced overlay for better image visibility */
.service-hero {
    position: relative;
}

/* Text readability with shadows instead of dark overlays */
.premium-hero .hero-title,
.premium-hero .hero-subtitle,
.premium-hero .hero-badge,
.service-hero .service-hero-title,
.service-hero .service-hero-subtitle,
.service-hero .service-hero-badge,
.page-hero .page-hero-title,
.page-hero .page-hero-subtitle {
    text-shadow: 0 2px 8px rgba(0,0,0,0.25), 0 1px 3px rgba(0,0,0,0.15);
}

/* All images site-wide - enhanced quality */
img {
    image-rendering: -webkit-optimize-contrast;
    image-rendering: crisp-edges;
}

/* Promotional and content images - full visibility */
.card img,
.service-card img,
.promo-section img,
.feature-section img,
.team-section img,
.testimonial-section img {
    filter: brightness(1.05) contrast(1.05) saturate(1.05);
    opacity: 1 !important;
    object-fit: cover;
}

/* ============================================
   IMAGE STANDARDIZATION
   ============================================ */
/* Service card images - consistent sizing */
.service-card img,
.card-img-top {
    width: 100%;
    height: 250px;
    object-fit: cover;
}

/* Hero section background images */
.service-hero {
    background-size: cover !important;
    background-position: center center !important;
}

/* Inline content images - responsive */
.img-fluid.rounded-4 {
    max-width: 100%;
    height: auto;
}

/* Logo retina quality */
.header-logo,
.footer-logo,
.branding-logo,
.sidebar-logo,
.auth-logo,
.navbar-logo {
    image-rendering: -webkit-optimize-contrast;
    image-rendering: crisp-edges;
}

/* Background images in sections */
section[style*="background"],
.section-with-bg {
    background-size: cover !important;
    background-position: center center !important;
}

/* Mobile responsive image visibility */
@media (max-width: 991.98px) {
    .premium-hero,
    .service-hero,
    .page-hero {
        background-size: cover !important;
        background-position: center center !important;
    }
    
    /* Reduce overlay opacity further on mobile for better visibility */
    .premium-hero {
        background-image: linear-gradient(160deg, rgba(8,17,32,0.35) 0%, rgba(13,43,82,0.30) 40%, rgba(19,45,79,0.30) 70%, rgba(8,17,32,0.35) 100%),
                          url('https://images.unsplash.com/photo-1556742049-0cfed4f6a45d?w=1600&q=80') center/cover no-repeat !important;
    }
}

@media (max-width: 767.98px) {
    /* Further reduce overlays on tablet/mobile */
    .service-hero[style*="background"] {
        filter: brightness(1.1) contrast(1.1);
    }
}

@media (max-width: 575.98px) {
    /* Maximum image visibility on small mobile */
    .premium-hero,
    .service-hero,
    .page-hero {
        background-image: linear-gradient(160deg, rgba(8,17,32,0.30) 0%, rgba(13,43,82,0.25) 50%, rgba(8,17,32,0.30) 100%),
                          var(--hero-bg-image, none) center/cover no-repeat !important;
    }
    
    .premium-hero::after {
        background: linear-gradient(to top, rgba(8, 17, 32, 0.15), transparent) !important;
    }
}

/* ============================================
   TOM SELECT - REGISTRATION FORM STYLING
   ============================================ */
.ts-wrapper.country-select .ts-control {
    background: #fff !important;
    border: 1.5px solid #dee2e6 !important;
    border-radius: 10px !important;
    min-height: 56px;
    padding: 10px 12px !important;
}
.ts-wrapper.country-select .ts-control input {
    color: #212529 !important;
    font-size: 1rem;
}
.ts-wrapper.country-select .ts-control input::placeholder {
    color: #6c757d !important;
}
.ts-wrapper.country-select.ts-focus .ts-control {
    border-color: #0d6efd !important;
    box-shadow: 0 0 0 3px rgba(13,110,253,0.1) !important;
}
.ts-wrapper.country-select .ts-control .item {
    background: #0d6efd !important;
    color: #fff !important;
    border-radius: 6px !important;
    padding: 4px 10px !important;
    font-size: 0.9rem;
}
.ts-dropdown {
    background: #fff !important;
    border: 1px solid #dee2e6 !important;
    border-radius: 10px !important;
    box-shadow: 0 10px 30px rgba(0,0,0,0.15) !important;
    z-index: 9999 !important;
}
.ts-dropdown .option {
    color: #212529 !important;
    padding: 10px 14px !important;
    font-size: 0.95rem;
}
.ts-dropdown .option:hover,
.ts-dropdown .option.active {
    background: rgba(13,110,253,0.08) !important;
    color: #0d6efd !important;
}
.ts-dropdown .option.selected {
    background: rgba(13,110,253,0.12) !important;
    font-weight: 600;
}
.ts-dropdown .ts-dropdown-content {
    max-height: 250px;
}