/* Import Google Fonts */
@import url('https://fonts.googleapis.com/css2?family=Outfit:wght@300;400;500;600;700;800&family=Playfair+Display:ital,wght@0,400;0,600;0,700;1,400&display=swap');

/* CSS Variables for Premium Design System */
:root {
  --primary-blue: #0c2340;
  /* Trust & Security Navy */
  --primary-blue-light: #16365f;
  --primary-blue-dark: #061224;
  --primary-red: #da251c;
  /* Energy & Brand Identity */
  --primary-red-hover: #b81c15;
  --growth-green: #2e7d32;
  /* Tagline: Grow & Prosper Green */
  --growth-green-light: #e8f5e9;
  --accent-cyan: #00bcd4;
  /* Ribbon Gradient Cyan */
  --text-dark: #1e293b;
  /* Modern dark text */
  --text-muted: #64748b;
  /* Subtext */
  --light-bg: #f8fafc;
  /* High contrast container background */
  --light-border: #e2e8f0;
  --white: #ffffff;
  --gold: #d4af37;

  /* Shadow Systems */
  --shadow-sm: 0 1px 3px rgba(0, 0, 0, 0.1), 0 1px 2px rgba(0, 0, 0, 0.06);
  --shadow-md: 0 4px 6px -1px rgba(0, 0, 0, 0.1), 0 2px 4px -1px rgba(0, 0, 0, 0.06);
  --shadow-lg: 0 10px 15px -3px rgba(0, 0, 0, 0.1), 0 4px 6px -2px rgba(0, 0, 0, 0.05);
  --shadow-xl: 0 20px 25px -5px rgba(0, 0, 0, 0.1), 0 10px 10px -5px rgba(0, 0, 0, 0.04);
  --shadow-premium: 0 10px 30px rgba(12, 35, 64, 0.08);

  /* Transitions */
  --transition-fast: 0.2s cubic-bezier(0.4, 0, 0.2, 1);
  --transition-normal: 0.3s cubic-bezier(0.4, 0, 0.2, 1);

  /* Border Radius */
  --radius-sm: 4px;
  --radius-md: 8px;
  --radius-lg: 16px;
  --radius-xl: 24px;
}

/* Reset and Global Styles */
* {
  margin: 0;
  padding: 0;
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
  font-family: 'Outfit', sans-serif;
  color: var(--text-dark);
  background-color: var(--light-bg);
}

body {
  overflow-x: hidden;
  line-height: 1.6;
  min-height: 100vh;
  display: flex;
  flex-direction: column;
}

h1,
h2,
h3,
h4,
h5,
h6 {
  font-family: 'Outfit', sans-serif;
  font-weight: 700;
  color: var(--primary-blue);
}

.serif-title {
  font-family: 'Playfair Display', serif;
}

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

ul {
  list-style: none;
}

/* Utility Classes */
.container {
  width: 100%;
  max-width: 1280px;
  margin: 0 auto;
  padding: 0 24px;
}

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

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

.flex {
  display: flex;
}

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

.justify-between {
  justify-content: space-between;
}

.grid {
  display: grid;
}

.section-padding {
  padding: 80px 0;
}

.badge {
  display: inline-block;
  padding: 4px 12px;
  border-radius: 50px;
  font-size: 0.8rem;
  font-weight: 600;
  text-transform: uppercase;
}

.badge-red {
  background-color: #fee2e2;
  color: var(--primary-red);
}

.badge-green {
  background-color: var(--growth-green-light);
  color: var(--growth-green);
}

.badge-blue {
  background-color: #e0f2fe;
  color: var(--primary-blue);
}

/* Custom Buttons */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 12px 28px;
  border-radius: var(--radius-md);
  font-weight: 600;
  cursor: pointer;
  transition: var(--transition-normal);
  border: 2px solid transparent;
  gap: 8px;
  font-size: 0.95rem;
}

.btn-primary {
  background-color: var(--primary-blue);
  color: var(--white);
  box-shadow: var(--shadow-sm);
}

.btn-primary:hover {
  background-color: var(--primary-blue-light);
  transform: translateY(-2px);
  box-shadow: var(--shadow-md);
}

.btn-secondary {
  background-color: var(--primary-red);
  color: var(--white);
  box-shadow: var(--shadow-sm);
}

.btn-secondary:hover {
  background-color: var(--primary-red-hover);
  transform: translateY(-2px);
  box-shadow: var(--shadow-md);
}

.btn-outline {
  background-color: transparent;
  border-color: var(--primary-blue);
  color: var(--primary-blue);
}

.btn-outline:hover {
  background-color: var(--primary-blue);
  color: var(--white);
  transform: translateY(-2px);
}

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

.btn-outline-white:hover {
  background-color: var(--white);
  color: var(--primary-blue);
  transform: translateY(-2px);
}

.btn-sm {
  padding: 8px 16px;
  font-size: 0.85rem;
}

/* ==========================================
   TOP BAR & HEADER
========================================== */
.top-bar {
  background-color: var(--primary-blue-dark);
  color: rgba(255, 255, 255, 0.85);
  font-size: 0.8rem;
  padding: 8px 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}

.top-bar-links {
  display: flex;
  gap: 20px;
}

.top-bar-links a:hover {
  color: var(--white);
}

.accessibility-controls {
  display: flex;
  gap: 12px;
  align-items: center;
}

.btn-font-scale {
  background: transparent;
  border: 1px solid rgba(255, 255, 255, 0.3);
  color: var(--white);
  cursor: pointer;
  padding: 2px 6px;
  border-radius: var(--radius-sm);
  font-size: 0.75rem;
}

.btn-font-scale:hover {
  background-color: rgba(255, 255, 255, 0.15);
}

/* Language Selector Controls */
.language-selector {
  display: inline-flex;
  gap: 6px;
  align-items: center;
  margin-left: 10px;
  border-left: 1px solid rgba(255, 255, 255, 0.2);
  padding-left: 10px;
}

.btn-lang {
  background: transparent;
  border: 1px solid rgba(255, 255, 255, 0.3);
  color: rgba(255, 255, 255, 0.8);
  cursor: pointer;
  padding: 2px 8px;
  border-radius: var(--radius-sm);
  font-size: 0.75rem;
  font-weight: 500;
  transition: var(--transition-fast);
}

.btn-lang:hover {
  background-color: rgba(255, 255, 255, 0.15);
  color: var(--white);
}

.btn-lang.active {
  background-color: var(--primary-red);
  border-color: var(--primary-red);
  color: var(--white);
  font-weight: 600;
}

/* Header Ticker */
.ticker-bar {
  background-color: #fffbeb;
  border-bottom: 1px solid #fef3c7;
  padding: 6px 0;
  overflow: hidden;
  font-size: 0.85rem;
  color: #b45309;
}

.ticker-content {
  display: flex;
  white-space: nowrap;
  animation: ticker 30s linear infinite;
  gap: 100px;
}

.ticker-content span {
  display: flex;
  align-items: center;
  gap: 6px;
}

.ticker-content span strong {
  color: var(--primary-red);
}

@keyframes ticker {
  0% {
    transform: translate3d(100%, 0, 0);
  }

  100% {
    transform: translate3d(-100%, 0, 0);
  }
}

/* Main Navbar */
.navbar {
  background-color: var(--white);
  box-shadow: var(--shadow-sm);
  position: sticky;
  top: 0;
  z-index: 1000;
  padding: 12px 0;
  transition: padding var(--transition-normal);
}

.navbar.scrolled {
  padding: 8px 0;
  box-shadow: var(--shadow-md);
}

.nav-container {
  display: flex;
  justify-content: space-between;
  align-items: center;
}

.brand-logo {
  display: flex;
  align-items: center;
}

.brand-logo img {
  height: 64px;
  width: auto;
}

.nav-menu {
  display: flex;
  gap: 8px;
}

.nav-item {
  position: relative;
}

.nav-link {
  display: block;
  padding: 10px 16px;
  color: var(--primary-blue);
  font-weight: 600;
  font-size: 0.95rem;
  border-radius: var(--radius-md);
}

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

/* Dropdown Menu */
.dropdown-menu {
  position: absolute;
  top: 100%;
  left: 0;
  width: 250px;
  background-color: var(--white);
  border-top: 3px solid var(--primary-red);
  box-shadow: var(--shadow-lg);
  border-radius: 0 0 var(--radius-md) var(--radius-md);
  padding: 12px 0;
  opacity: 0;
  visibility: hidden;
  transform: translateY(15px);
  transition: opacity var(--transition-normal), transform var(--transition-normal), visibility var(--transition-normal);
}

.nav-item:hover .dropdown-menu {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}

.dropdown-item {
  display: block;
  padding: 10px 24px;
  font-size: 0.9rem;
  color: var(--text-dark);
  font-weight: 500;
}

.dropdown-item:hover {
  background-color: var(--light-bg);
  color: var(--primary-red);
  padding-left: 28px;
}

.mobile-menu-btn {
  display: none;
  font-size: 1.5rem;
  background: transparent;
  border: none;
  color: var(--primary-blue);
  cursor: pointer;
}

/* ==========================================
   HERO / BANNER CAROUSEL
========================================== */
.hero-slider {
  position: relative;
  height: 520px;
  background-color: var(--primary-blue-dark);
  overflow: hidden;
}

.slide {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  opacity: 0;
  transition: opacity 0.8s ease-in-out;
  display: flex;
  align-items: center;
  background-size: cover;
  background-position: center;
}

.slide.active {
  opacity: 1;
  z-index: 10;
}

.slide-overlay {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  background: linear-gradient(90deg, rgba(12, 35, 64, 0.95) 0%, rgba(12, 35, 64, 0.7) 50%, rgba(12, 35, 64, 0.1) 100%);
  z-index: 1;
}

.slide-content {
  position: relative;
  z-index: 2;
  color: var(--white);
  max-width: 650px;
  padding: 0 24px;
  transform: translateY(30px);
  transition: transform 0.8s ease-in-out;
}

.slide.active .slide-content {
  transform: translateY(0);
}

.slide-content h2 {
  font-size: 3rem;
  margin-bottom: 16px;
  color: var(--white);
  line-height: 1.2;
}

.slide-content p {
  font-size: 1.15rem;
  margin-bottom: 30px;
  color: rgba(255, 255, 255, 0.9);
}

/* Slider Controls */
.slider-arrow {
  position: absolute;
  top: 50%;
  transform: translateY(-50%);
  width: 50px;
  height: 50px;
  background-color: rgba(255, 255, 255, 0.1);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--white);
  cursor: pointer;
  z-index: 20;
  transition: var(--transition-fast);
  border: 1px solid rgba(255, 255, 255, 0.2);
}

.slider-arrow:hover {
  background-color: var(--primary-red);
  border-color: var(--primary-red);
}

.slider-prev {
  left: 24px;
}

.slider-next {
  right: 24px;
}

.slider-dots {
  position: absolute;
  bottom: 24px;
  left: 50%;
  transform: translateX(-50%);
  display: flex;
  gap: 12px;
  z-index: 20;
}

.slider-dot {
  width: 12px;
  height: 12px;
  border-radius: 50%;
  background-color: rgba(255, 255, 255, 0.4);
  cursor: pointer;
  transition: var(--transition-fast);
}

.slider-dot.active {
  background-color: var(--primary-red);
  width: 32px;
  border-radius: 20px;
}

/* ==========================================
   QUICK LINKS / ACTIONS GRID
========================================== */
.quick-actions {
  margin-top: -60px;
  position: relative;
  z-index: 30;
}

.actions-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 16px;
}

.action-card {
  background-color: var(--white);
  padding: 30px 24px;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  text-align: center;
  transition: var(--transition-normal);
  border-bottom: 4px solid transparent;
}

.action-card:hover {
  transform: translateY(-8px);
  box-shadow: var(--shadow-xl);
  border-bottom-color: var(--primary-red);
}

.action-card .icon-wrapper {
  width: 64px;
  height: 64px;
  background-color: #f0f4f8;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 20px;
  color: var(--primary-blue);
  font-size: 1.8rem;
  transition: var(--transition-normal);
}

.action-card:hover .icon-wrapper {
  background-color: var(--primary-blue);
  color: var(--white);
}

.action-card h3 {
  font-size: 1.15rem;
  margin-bottom: 8px;
}

.action-card p {
  font-size: 0.85rem;
  color: var(--text-muted);
}

/* ==========================================
   INTERACTIVE CALCULATORS SECTION
========================================== */
.calculator-section {
  background-color: var(--white);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-premium);
  padding: 40px;
  margin-top: 40px;
}

.calc-tabs {
  display: flex;
  border-bottom: 2px solid var(--light-border);
  margin-bottom: 30px;
}

.calc-tab {
  padding: 12px 24px;
  cursor: pointer;
  font-weight: 600;
  color: var(--text-muted);
  border-bottom: 3px solid transparent;
  transition: var(--transition-fast);
}

.calc-tab:hover,
.calc-tab.active {
  color: var(--primary-blue);
  border-bottom-color: var(--primary-red);
}

.calc-layout {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
}

@media(max-width: 991px) {
  .calc-layout {
    grid-template-columns: 1fr;
    gap: 40px;
  }
}

.calc-inputs {
  display: flex;
  flex-direction: column;
  gap: 24px;
}

.input-group {
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.input-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
}

.input-header label {
  font-weight: 600;
  color: var(--primary-blue);
}

.input-number-wrapper {
  position: relative;
  display: flex;
  align-items: center;
}

.input-number-wrapper input[type="number"] {
  width: 120px;
  padding: 8px 12px;
  border: 1px solid var(--light-border);
  border-radius: var(--radius-sm);
  font-family: inherit;
  font-weight: 600;
  text-align: right;
}

.input-number-wrapper span {
  margin-left: 8px;
  font-weight: 500;
  color: var(--text-muted);
}

.slider-wrapper {
  margin-top: 8px;
}

.slider-wrapper input[type="range"] {
  width: 100%;
  height: 6px;
  background-color: var(--light-border);
  outline: none;
  border-radius: 10px;
  accent-color: var(--primary-blue);
}

/* Calculator Output display */
.calc-results {
  background-color: var(--light-bg);
  border-radius: var(--radius-lg);
  padding: 40px;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  border: 1px solid var(--light-border);
  position: relative;
  overflow: hidden;
}

.calc-results::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  width: 6px;
  height: 100%;
  background-color: var(--growth-green);
}

.result-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 16px 0;
  border-bottom: 1px dashed var(--light-border);
}

.result-row:last-child {
  border-bottom: none;
}

.result-label {
  font-weight: 500;
  color: var(--text-muted);
}

.result-value {
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--primary-blue);
}

.result-value.large {
  font-size: 2.2rem;
  color: var(--growth-green);
}

/* ==========================================
   PRODUCT PRODUCTS GRID
========================================== */
.section-title-wrapper {
  margin-bottom: 50px;
}

.section-title-wrapper h2 {
  font-size: 2.25rem;
  margin-bottom: 12px;
}

.section-title-wrapper p {
  color: var(--text-muted);
  max-width: 600px;
  margin: 0 auto;
}

.products-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 30px;
}

.product-card {
  position: relative;
  height: 540px;
  background-color: var(--white);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  transition: transform var(--transition-normal), box-shadow var(--transition-normal), border-color var(--transition-normal);
  display: flex;
  flex-direction: column;
  border: 1px solid var(--light-border);
}

.product-card-image {
  height: 200px;
  background-size: cover;
  background-position: center;
  position: relative;
  width: 100%;
}

.product-card-image::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  background: linear-gradient(180deg, rgba(12, 35, 64, 0.15) 0%, rgba(12, 35, 64, 0.02) 100%);
  z-index: 1;
}

.product-card:hover {
  transform: translateY(-8px);
  box-shadow: var(--shadow-xl);
  border-color: var(--primary-blue);
}

.product-card-content {
  position: relative;
  z-index: 2;
  display: flex;
  flex-direction: column;
  padding: 24px;
  flex-grow: 1;
}

.product-card h3 {
  color: var(--primary-blue);
  font-size: 1.3rem;
  margin-bottom: 10px;
  font-family: 'Outfit', sans-serif;
  font-weight: 700;
}

.product-card p {
  font-size: 0.88rem;
  color: var(--text-dark);
  margin-bottom: 15px;
  line-height: 1.5;
  flex-grow: 1;
}

.product-badge {
  position: absolute;
  top: 15px;
  right: 15px;
  z-index: 3;
  box-shadow: var(--shadow-md);
}

.product-features-list {
  margin-bottom: 20px;
}

.product-features-list li {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.82rem;
  margin-bottom: 6px;
  font-weight: 500;
  color: var(--text-muted);
}

.product-features-list li i,
.product-features-list li svg {
  color: var(--growth-green);
  flex-shrink: 0;
}

/* ==========================================
   INTEREST RATES TABLE
========================================== */
.rates-table-wrapper {
  background-color: var(--white);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-md);
  overflow: hidden;
  border: 1px solid var(--light-border);
}

.rates-table {
  width: 100%;
  border-collapse: collapse;
  text-align: left;
}

.rates-table th {
  background-color: var(--primary-blue);
  color: var(--white);
  padding: 18px 24px;
  font-weight: 600;
}

.rates-table td {
  padding: 16px 24px;
  border-bottom: 1px solid var(--light-border);
  font-weight: 500;
}

.rates-table tr:last-child td {
  border-bottom: none;
}

.rates-table tr:nth-child(even) {
  background-color: var(--light-bg);
}

.rates-table tr:hover {
  background-color: #f1f5f9;
}

.highlight-rate {
  color: var(--primary-red);
  font-weight: 700;
  font-size: 1.1rem;
}

/* ==========================================
   MOCKUP PORTAL & MULTI-STEP FORMS
========================================== */
.portal-card {
  max-width: 450px;
  width: 100%;
  background-color: var(--white);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-xl);
  padding: 40px;
  border-top: 6px solid var(--primary-blue);
}

.form-group {
  margin-bottom: 20px;
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.form-group label {
  font-weight: 600;
  font-size: 0.9rem;
  color: var(--primary-blue);
}

.form-control {
  width: 100%;
  padding: 12px 16px;
  border: 1px solid var(--light-border);
  border-radius: var(--radius-md);
  font-family: inherit;
  font-size: 0.95rem;
  transition: var(--transition-fast);
  outline: none;
}

.form-control:focus {
  border-color: var(--primary-blue);
  box-shadow: 0 0 0 3px rgba(12, 35, 64, 0.1);
}

/* Step Wizard (Apply Page) */
.wizard-steps {
  display: flex;
  justify-content: space-between;
  margin-bottom: 40px;
  position: relative;
}

.wizard-steps::before {
  content: '';
  position: absolute;
  top: 25px;
  left: 0;
  width: 100%;
  height: 4px;
  background-color: var(--light-border);
  z-index: 1;
}

.wizard-progress {
  position: absolute;
  top: 25px;
  left: 0;
  width: 0%;
  height: 4px;
  background-color: var(--growth-green);
  z-index: 2;
  transition: width 0.4s ease;
}

.wizard-step {
  position: relative;
  z-index: 3;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 8px;
}

.step-num {
  width: 50px;
  height: 50px;
  border-radius: 50%;
  background-color: var(--white);
  border: 4px solid var(--light-border);
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  color: var(--text-muted);
  transition: var(--transition-fast);
}

.wizard-step.active .step-num {
  border-color: var(--primary-blue);
  color: var(--primary-blue);
}

.wizard-step.completed .step-num {
  border-color: var(--growth-green);
  background-color: var(--growth-green);
  color: var(--white);
}

.step-label {
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--text-muted);
}

.wizard-step.active .step-label {
  color: var(--primary-blue);
}

.wizard-step.completed .step-label {
  color: var(--growth-green);
}

.wizard-content {
  background-color: var(--white);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-premium);
  padding: 40px;
  margin-bottom: 30px;
}

.wizard-panel {
  display: none;
}

.wizard-panel.active {
  display: block;
  animation: fadeIn 0.4s ease;
}

.wizard-buttons {
  display: flex;
  justify-content: space-between;
}

@keyframes fadeIn {
  from {
    opacity: 0;
    transform: translateY(10px);
  }

  to {
    opacity: 1;
    transform: translateY(0);
  }
}

/* ==========================================
   PORTAL DASHBOARD (portal.html)
========================================== */
.portal-container {
  display: grid;
  grid-template-columns: 260px 1fr;
  min-height: calc(100vh - 100px);
}

@media(max-width: 991px) {
  .portal-container {
    grid-template-columns: 1fr;
  }
}

.portal-sidebar {
  background-color: var(--primary-blue);
  color: var(--white);
  padding: 30px 20px;
}

.sidebar-menu li {
  margin-bottom: 8px;
}

.sidebar-link {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 12px 16px;
  border-radius: var(--radius-md);
  font-weight: 500;
  color: rgba(255, 255, 255, 0.7);
}

.sidebar-link:hover,
.sidebar-link.active {
  background-color: rgba(255, 255, 255, 0.1);
  color: var(--white);
}

.portal-main {
  padding: 40px;
  background-color: var(--light-bg);
}

.portal-header {
  margin-bottom: 30px;
  display: flex;
  justify-content: space-between;
  align-items: center;
}

.balance-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 24px;
  margin-bottom: 40px;
}

.balance-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 24px;
  box-shadow: var(--shadow-sm);
  border-left: 5px solid var(--primary-blue);
}

.balance-card.green {
  border-left-color: var(--growth-green);
}

.balance-card.red {
  border-left-color: var(--primary-red);
}

.balance-label {
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--text-muted);
  text-transform: uppercase;
}

.balance-amt {
  font-size: 2rem;
  font-weight: 700;
  margin: 10px 0;
  color: var(--primary-blue);
}

/* ==========================================
   FOOTER
========================================== */
.footer {
  background-color: var(--primary-blue-dark);
  color: rgba(255, 255, 255, 0.75);
  padding-top: 80px;
  margin-top: auto;
}

.footer-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 40px;
  margin-bottom: 50px;
}

.footer-col h3 {
  color: var(--white);
  font-size: 1.15rem;
  margin-bottom: 24px;
  position: relative;
  padding-bottom: 8px;
}

.footer-col h3::after {
  content: '';
  position: absolute;
  left: 0;
  bottom: 0;
  width: 40px;
  height: 3px;
  background-color: var(--primary-red);
}

.footer-col p {
  font-size: 0.9rem;
  line-height: 1.7;
}

.footer-links li {
  margin-bottom: 12px;
}

.footer-links a:hover {
  color: var(--white);
  padding-left: 4px;
}

.footer-contact li {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  font-size: 0.9rem;
  margin-bottom: 16px;
}

.footer-contact li svg {
  color: var(--primary-red);
  margin-top: 4px;
  flex-shrink: 0;
}

.footer-bottom {
  background-color: rgba(0, 0, 0, 0.2);
  padding: 24px 0;
  font-size: 0.85rem;
  border-top: 1px solid rgba(255, 255, 255, 0.05);
}

.footer-bottom-flex {
  display: flex;
  justify-content: space-between;
  align-items: center;
}

.regulatory-box {
  background-color: rgba(255, 255, 255, 0.03);
  border: 1px solid rgba(255, 255, 255, 0.08);
  padding: 20px;
  border-radius: var(--radius-md);
  margin-bottom: 40px;
  font-size: 0.8rem;
  line-height: 1.6;
}

.regulatory-box h4 {
  color: var(--white);
  margin-bottom: 8px;
}

/* Modal Portal Login */
.modal {
  position: fixed;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  background-color: rgba(6, 18, 36, 0.8);
  z-index: 10000;
  display: flex;
  align-items: center;
  justify-content: center;
  opacity: 0;
  pointer-events: none;
  transition: var(--transition-normal);
}

.modal.active {
  opacity: 1;
  pointer-events: auto;
}

.modal-content {
  transform: translateY(-30px);
  transition: var(--transition-normal);
  position: relative;
}

.modal.active .modal-content {
  transform: translateY(0);
}

.modal-close {
  position: absolute;
  top: 16px;
  right: 16px;
  background: transparent;
  border: none;
  font-size: 1.5rem;
  cursor: pointer;
  color: var(--text-muted);
}

.modal-close:hover {
  color: var(--primary-red);
}

/* ==========================================
   RESPONSIVE MEDIA QUERIES
========================================= */
@media(max-width: 991px) {
  .nav-menu {
    position: fixed;
    top: 90px;
    left: -100%;
    width: 100%;
    height: calc(100vh - 90px);
    background-color: var(--white);
    flex-direction: column;
    padding: 40px 24px;
    gap: 16px;
    transition: left var(--transition-normal);
    box-shadow: var(--shadow-lg);
    overflow-y: auto;
  }

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

  .mobile-menu-btn {
    display: block;
  }

  .hero-slider {
    height: 450px;
  }

  .slide-content h2 {
    font-size: 2.2rem;
  }

  .quick-actions {
    margin-top: 20px;
  }

  .section-padding {
    padding: 50px 0;
  }

  .footer-bottom-flex {
    flex-direction: column;
    gap: 16px;
    text-align: center;
  }
}

@media(max-width: 576px) {
  .hero-slider {
    height: 400px;
  }

  .slide-content h2 {
    font-size: 1.8rem;
  }

  .top-bar {
    display: none;
    /* Hide top utility bar on small screens to save space */
  }
}