/*
 * The Corporative Trust and Finance - Main Stylesheet
 * Professional Financial Institution Website
 * Color Scheme: Navy Blue (#1a365d), Gold (#c9a227), White (#ffffff)
 */

/* ==================== CSS VARIABLES ==================== */
:root {
    /* Primary Colors */
    --primary-navy: #1a365d;
    --primary-navy-dark: #0f1f36;
    --primary-navy-light: #2c4a73;
    --accent-gold: #c9a227;
    --accent-gold-light: #e0bc4a;
    --accent-gold-dark: #a0801f;
    
    /* Neutral Colors */
    --white: #ffffff;
    --gray-50: #f8fafc;
    --gray-100: #f1f5f9;
    --gray-200: #e2e8f0;
    --gray-300: #cbd5e1;
    --gray-400: #94a3b8;
    --gray-500: #64748b;
    --gray-600: #475569;
    --gray-700: #334155;
    --gray-800: #1e293b;
    --gray-900: #0f172a;
    
    /* Semantic Colors */
    --success: #10b981;
    --warning: #f59e0b;
    --error: #ef4444;
    --info: #3b82f6;
    
    /* Typography */
    --font-primary: 'Segoe UI', Tahoma, Geneva, Verdana, sans-serif;
    --font-heading: 'Georgia', 'Times New Roman', serif;
    
    /* Spacing */
    --spacing-xs: 0.25rem;
    --spacing-sm: 0.5rem;
    --spacing-md: 1rem;
    --spacing-lg: 1.5rem;
    --spacing-xl: 2rem;
    --spacing-2xl: 3rem;
    --spacing-3xl: 4rem;
    
    /* Border Radius */
    --radius-sm: 4px;
    --radius-md: 8px;
    --radius-lg: 12px;
    --radius-xl: 16px;
    
    /* Shadows */
    --shadow-sm: 0 1px 2px rgba(0, 0, 0, 0.05);
    --shadow-md: 0 4px 6px rgba(0, 0, 0, 0.1);
    --shadow-lg: 0 10px 15px rgba(0, 0, 0, 0.1);
    --shadow-xl: 0 20px 25px rgba(0, 0, 0, 0.15);
    
    /* Transitions */
    --transition-fast: 0.15s ease;
    --transition-normal: 0.3s ease;
    --transition-slow: 0.5s ease;
}

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

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

body {
    font-family: var(--font-primary);
    line-height: 1.6;
    color: var(--gray-700);
    background-color: var(--white);
    overflow-x: hidden;
}

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

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

ul, ol {
    list-style: none;
}

/* ==================== TYPOGRAPHY ==================== */
h1, h2, h3, h4, h5, h6 {
    font-family: var(--font-heading);
    font-weight: 600;
    line-height: 1.2;
    color: var(--primary-navy);
    margin-bottom: var(--spacing-md);
}

h1 { font-size: 3rem; }
h2 { font-size: 2.5rem; }
h3 { font-size: 2rem; }
h4 { font-size: 1.5rem; }
h5 { font-size: 1.25rem; }
h6 { font-size: 1rem; }

p {
    margin-bottom: var(--spacing-md);
}

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

.text-gold { color: var(--accent-gold); }
.text-navy { color: var(--primary-navy); }
.text-white { color: var(--white); }

/* ==================== CONTAINER ==================== */
.container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 var(--spacing-lg);
}

.container-fluid {
    width: 100%;
    padding: 0 var(--spacing-lg);
}

/* ==================== BUTTONS ==================== */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    padding: var(--spacing-md) var(--spacing-xl);
    font-size: 1rem;
    font-weight: 600;
    border-radius: var(--radius-md);
    cursor: pointer;
    transition: all var(--transition-normal);
    border: 2px solid transparent;
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

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

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

.btn-secondary {
    background-color: transparent;
    color: var(--primary-navy);
    border-color: var(--primary-navy);
}

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

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

.btn-white:hover {
    background-color: var(--gray-100);
    border-color: var(--gray-100);
}

.btn-large {
    padding: var(--spacing-lg) var(--spacing-2xl);
    font-size: 1.125rem;
}

/* ==================== HEADER & NAVIGATION ==================== */
.header {
    background-color: var(--white);
    box-shadow: var(--shadow-sm);
    position: sticky;
    top: 0;
    z-index: 1000;
}

.header-top {
    background-color: var(--primary-navy);
    color: var(--white);
    padding: var(--spacing-sm) 0;
    font-size: 0.875rem;
}

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

.header-top-left,
.header-top-right {
    display: flex;
    gap: var(--spacing-lg);
}

.header-top a {
    color: var(--white);
    opacity: 0.9;
}

.header-top a:hover {
    opacity: 1;
    color: var(--accent-gold);
}

.header-main {
    padding: var(--spacing-md) 0;
}

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

.logo {
    display: flex;
    align-items: center;
    gap: var(--spacing-md);
}

.logo img {
    height: 60px;
    width: auto;
}

.logo-text {
    font-family: var(--font-heading);
    font-size: 1.5rem;
    font-weight: 700;
    color: var(--primary-navy);
    line-height: 1.2;
}

.logo-text span {
    display: block;
    font-size: 0.75rem;
    font-weight: 400;
    color: var(--accent-gold);
    letter-spacing: 2px;
    text-transform: uppercase;
}

/* Navigation */
.nav {
    display: flex;
    align-items: center;
    gap: var(--spacing-xs);
}

.nav-item {
    position: relative;
}

.nav-link {
    display: block;
    padding: var(--spacing-md) var(--spacing-lg);
    color: var(--primary-navy);
    font-weight: 500;
    font-size: 0.9375rem;
    border-radius: var(--radius-md);
    transition: all var(--transition-fast);
}

.nav-link:hover,
.nav-link.active {
    background-color: var(--gray-100);
    color: var(--accent-gold-dark);
}

/* Dropdown */
.dropdown {
    position: relative;
}

.dropdown-menu {
    position: absolute;
    top: 100%;
    left: 0;
    min-width: 220px;
    background-color: var(--white);
    border-radius: var(--radius-md);
    box-shadow: var(--shadow-lg);
    opacity: 0;
    visibility: hidden;
    transform: translateY(10px);
    transition: all var(--transition-normal);
    padding: var(--spacing-sm) 0;
}

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

.dropdown-item {
    display: block;
    padding: var(--spacing-md) var(--spacing-lg);
    color: var(--gray-700);
    font-size: 0.9375rem;
    transition: all var(--transition-fast);
}

.dropdown-item:hover {
    background-color: var(--gray-50);
    color: var(--primary-navy);
    padding-left: var(--spacing-xl);
}

/* Mobile Menu Toggle */
.menu-toggle {
    display: none;
    flex-direction: column;
    gap: 5px;
    cursor: pointer;
    padding: var(--spacing-sm);
    z-index: 1002;
}

.menu-toggle span {
    display: block;
    width: 25px;
    height: 3px;
    background-color: var(--primary-navy);
    transition: all var(--transition-fast);
}

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

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

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

/* ==================== HERO SECTION ==================== */
.hero {
    position: relative;
    min-height: 600px;
    display: flex;
    align-items: center;
    background-size: cover;
    background-position: center;
    background-repeat: no-repeat;
}

.hero-overlay {
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: linear-gradient(135deg, rgba(26, 54, 93, 0.9) 0%, rgba(26, 54, 93, 0.7) 100%);
}

.hero-content {
    position: relative;
    z-index: 1;
    color: var(--white);
    max-width: 700px;
}

.hero-subtitle {
    font-size: 1rem;
    font-weight: 500;
    letter-spacing: 3px;
    text-transform: uppercase;
    color: var(--accent-gold);
    margin-bottom: var(--spacing-md);
}

.hero-title {
    font-size: 3.5rem;
    font-weight: 700;
    color: var(--white);
    margin-bottom: var(--spacing-lg);
    line-height: 1.1;
}

.hero-description {
    font-size: 1.25rem;
    color: rgba(255, 255, 255, 0.9);
    margin-bottom: var(--spacing-2xl);
    line-height: 1.6;
}

.hero-buttons {
    display: flex;
    gap: var(--spacing-lg);
    flex-wrap: wrap;
}

/* ==================== SECTIONS ==================== */
.section {
    padding: var(--spacing-3xl) 0;
}

.section-alt {
    background-color: var(--gray-50);
}

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

.section-navy h2,
.section-navy h3 {
    color: var(--white);
}

.section-header {
    text-align: center;
    max-width: 700px;
    margin: 0 auto var(--spacing-3xl);
}

.section-label {
    display: inline-block;
    font-size: 0.875rem;
    font-weight: 600;
    letter-spacing: 2px;
    text-transform: uppercase;
    color: var(--accent-gold);
    margin-bottom: var(--spacing-md);
}

.section-title {
    font-size: 2.5rem;
    margin-bottom: var(--spacing-md);
}

.section-description {
    font-size: 1.125rem;
    color: var(--gray-500);
}

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

.card:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-xl);
}

.card-image {
    width: 100%;
    height: 200px;
    object-fit: cover;
}

.card-body {
    padding: var(--spacing-xl);
}

.card-title {
    font-size: 1.25rem;
    margin-bottom: var(--spacing-md);
    color: var(--primary-navy);
}

.card-text {
    color: var(--gray-600);
    margin-bottom: var(--spacing-lg);
}

.card-link {
    display: inline-flex;
    align-items: center;
    gap: var(--spacing-sm);
    color: var(--accent-gold-dark);
    font-weight: 600;
    font-size: 0.9375rem;
}

.card-link:hover {
    color: var(--primary-navy);
}

/* Feature Card */
.feature-card {
    text-align: center;
    padding: var(--spacing-2xl);
    background-color: var(--white);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-md);
    transition: all var(--transition-normal);
}

.feature-card:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-xl);
}

.feature-icon {
    width: 80px;
    height: 80px;
    background-color: var(--gray-100);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto var(--spacing-lg);
    font-size: 2rem;
    color: var(--accent-gold);
}

.feature-title {
    font-size: 1.25rem;
    margin-bottom: var(--spacing-md);
}

.feature-text {
    color: var(--gray-600);
}

/* ==================== GRID ==================== */
.grid {
    display: grid;
    gap: var(--spacing-xl);
}

.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }

/* ==================== TABLES ==================== */
.table-container {
    overflow-x: auto;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-md);
    -webkit-overflow-scrolling: touch;
}

.table {
    width: 100%;
    border-collapse: collapse;
    background-color: var(--white);
    min-width: 600px;
}

.table thead {
    background-color: var(--primary-navy);
    color: var(--white);
}

.table th,
.table td {
    padding: var(--spacing-lg);
    text-align: left;
    border-bottom: 1px solid var(--gray-200);
}

.table th {
    font-weight: 600;
    font-size: 0.9375rem;
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

.table tbody tr:hover {
    background-color: var(--gray-50);
}

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

.table-highlight {
    background-color: rgba(201, 162, 39, 0.1);
}

/* ==================== FORMS ==================== */
.form-group {
    margin-bottom: var(--spacing-lg);
}

.form-label {
    display: block;
    margin-bottom: var(--spacing-sm);
    font-weight: 500;
    color: var(--gray-700);
}

.form-control {
    width: 100%;
    padding: var(--spacing-md);
    font-size: 1rem;
    border: 1px solid var(--gray-300);
    border-radius: var(--radius-md);
    background-color: var(--white);
    transition: all var(--transition-fast);
}

.form-control:focus {
    outline: none;
    border-color: var(--accent-gold);
    box-shadow: 0 0 0 3px rgba(201, 162, 39, 0.2);
}

.form-control::placeholder {
    color: var(--gray-400);
}

select.form-control {
    cursor: pointer;
    appearance: none;
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 12 12'%3E%3Cpath fill='%2364748b' d='M6 8L1 3h10z'/%3E%3C/svg%3E");
    background-repeat: no-repeat;
    background-position: right 1rem center;
    padding-right: 2.5rem;
}

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

/* Form Validation States */
.form-control.is-invalid {
    border-color: var(--error);
    box-shadow: 0 0 0 3px rgba(239, 68, 68, 0.2);
}

.form-control.is-valid {
    border-color: var(--success);
    box-shadow: 0 0 0 3px rgba(16, 185, 129, 0.2);
}

.invalid-feedback {
    color: var(--error);
    font-size: 0.875rem;
    margin-top: var(--spacing-xs);
}

/* ==================== FOOTER ==================== */
.footer {
    background-color: var(--primary-navy-dark);
    color: var(--white);
    padding-top: var(--spacing-3xl);
}

.footer-grid {
    display: grid;
    grid-template-columns: 2fr repeat(3, 1fr);
    gap: var(--spacing-2xl);
    padding-bottom: var(--spacing-3xl);
}

.footer-brand {
    max-width: 300px;
}

.footer-logo {
    display: flex;
    align-items: center;
    gap: var(--spacing-md);
    margin-bottom: var(--spacing-lg);
}

.footer-logo img {
    height: 50px;
    width: auto;
}

.footer-logo-text {
    font-family: var(--font-heading);
    font-size: 1.25rem;
    font-weight: 700;
    color: var(--white);
}

.footer-logo-text span {
    display: block;
    font-size: 0.625rem;
    color: var(--accent-gold);
    letter-spacing: 1.5px;
}

.footer-description {
    color: rgba(255, 255, 255, 0.7);
    font-size: 0.9375rem;
    line-height: 1.7;
}

.footer-title {
    font-size: 1.125rem;
    color: var(--white);
    margin-bottom: var(--spacing-lg);
    font-weight: 600;
}

.footer-links {
    display: flex;
    flex-direction: column;
    gap: var(--spacing-md);
}

.footer-link {
    color: rgba(255, 255, 255, 0.7);
    font-size: 0.9375rem;
    transition: all var(--transition-fast);
}

.footer-link:hover {
    color: var(--accent-gold);
    padding-left: var(--spacing-sm);
}

.footer-contact {
    display: flex;
    flex-direction: column;
    gap: var(--spacing-md);
}

.footer-contact-item {
    display: flex;
    align-items: flex-start;
    gap: var(--spacing-md);
    color: rgba(255, 255, 255, 0.7);
    font-size: 0.9375rem;
}

.footer-contact-icon {
    color: var(--accent-gold);
    flex-shrink: 0;
}

.footer-bottom {
    border-top: 1px solid rgba(255, 255, 255, 0.1);
    padding: var(--spacing-lg) 0;
    display: flex;
    justify-content: space-between;
    align-items: center;
    flex-wrap: wrap;
    gap: var(--spacing-md);
}

.footer-copyright {
    color: rgba(255, 255, 255, 0.6);
    font-size: 0.875rem;
}

.footer-social {
    display: flex;
    gap: var(--spacing-md);
}

.footer-social-link {
    width: 40px;
    height: 40px;
    background-color: rgba(255, 255, 255, 0.1);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--white);
    transition: all var(--transition-fast);
}

.footer-social-link:hover {
    background-color: var(--accent-gold);
    color: var(--primary-navy-dark);
}

/* ==================== UTILITY CLASSES ==================== */
.mt-0 { margin-top: 0; }
.mt-1 { margin-top: var(--spacing-sm); }
.mt-2 { margin-top: var(--spacing-md); }
.mt-3 { margin-top: var(--spacing-lg); }
.mt-4 { margin-top: var(--spacing-xl); }
.mt-5 { margin-top: var(--spacing-2xl); }

.mb-0 { margin-bottom: 0; }
.mb-1 { margin-bottom: var(--spacing-sm); }
.mb-2 { margin-bottom: var(--spacing-md); }
.mb-3 { margin-bottom: var(--spacing-lg); }
.mb-4 { margin-bottom: var(--spacing-xl); }
.mb-5 { margin-bottom: var(--spacing-2xl); }

.py-5 { padding-top: var(--spacing-2xl); padding-bottom: var(--spacing-2xl); }

.d-flex { display: flex; }
.align-center { align-items: center; }
.justify-between { justify-content: space-between; }
.gap-2 { gap: var(--spacing-md); }
.gap-3 { gap: var(--spacing-lg); }

/* ==================== RESPONSIVE - TABLET ==================== */
@media (max-width: 1024px) {
    .grid-4 { grid-template-columns: repeat(2, 1fr); }
    .footer-grid { grid-template-columns: repeat(2, 1fr); }
    
    .hero-title { font-size: 3rem; }
    
    .section-title { font-size: 2.25rem; }
    
    .stats-grid {
        grid-template-columns: repeat(2, 1fr);
    }
}

/* ==================== RESPONSIVE - MOBILE ==================== */
@media (max-width: 768px) {
    h1 { font-size: 2.25rem; }
    h2 { font-size: 1.875rem; }
    h3 { font-size: 1.5rem; }
    h4 { font-size: 1.25rem; }
    
    .hero-title { font-size: 2.25rem; }
    .hero { min-height: 500px; }
    .hero-description { font-size: 1.1rem; }
    
    .grid-2,
    .grid-3,
    .grid-4 { grid-template-columns: 1fr; }
    
    .menu-toggle { display: flex; }
    
    .nav {
        position: fixed;
        top: 0;
        right: -100%;
        width: 80%;
        max-width: 320px;
        height: 100vh;
        background-color: var(--white);
        flex-direction: column;
        padding: var(--spacing-3xl) var(--spacing-xl);
        box-shadow: var(--shadow-xl);
        transition: right var(--transition-normal);
        z-index: 1001;
        overflow-y: auto;
    }
    
    .nav.active { right: 0; }
    
    .nav-item { width: 100%; }
    
    .nav-link {
        padding: var(--spacing-lg);
        border-bottom: 1px solid var(--gray-200);
        border-radius: 0;
    }
    
    .dropdown-menu {
        position: static;
        opacity: 1;
        visibility: visible;
        transform: none;
        box-shadow: none;
        padding-left: var(--spacing-lg);
        display: none;
    }
    
    .dropdown.active .dropdown-menu {
        display: block;
    }
    
    .dropdown > .nav-link::after {
        content: '+';
        float: right;
        font-size: 1.25rem;
        transition: transform var(--transition-fast);
    }
    
    .dropdown.active > .nav-link::after {
        content: '-';
    }
    
    .header-top-left,
    .header-top-right {
        flex-direction: column;
        gap: var(--spacing-sm);
    }
    
    .header-top-content {
        flex-direction: column;
        text-align: center;
        gap: var(--spacing-sm);
    }
    
    .footer-grid { 
        grid-template-columns: 1fr;
        gap: var(--spacing-xl);
    }
    
    .footer-brand {
        max-width: 100%;
    }
    
    .footer-bottom {
        flex-direction: column;
        text-align: center;
    }
    
    .hero-buttons {
        flex-direction: column;
    }
    
    .btn {
        width: 100%;
    }
    
    .section {
        padding: var(--spacing-2xl) 0;
    }
    
    .section-title {
        font-size: 1.875rem;
    }
    
    .stats-grid {
        grid-template-columns: 1fr 1fr;
        gap: var(--spacing-lg);
    }
    
    .stat-number {
        font-size: 2rem;
    }
    
    .page-header-title {
        font-size: 2rem;
    }
    
    .page-header {
        padding: var(--spacing-2xl) 0;
    }
    
    .feature-card {
        padding: var(--spacing-xl);
    }
    
    .info-box {
        padding: var(--spacing-lg);
    }
}

/* ==================== RESPONSIVE - SMALL MOBILE ==================== */
@media (max-width: 480px) {
    .container { padding: 0 var(--spacing-md); }
    
    .section { padding: var(--spacing-xl) 0; }
    
    .hero-title { font-size: 1.875rem; }
    .hero-description { font-size: 1rem; }
    .hero { min-height: 450px; }
    
    .stats-grid {
        grid-template-columns: 1fr;
    }
    
    .table {
        font-size: 0.875rem;
    }
    
    .table th,
    .table td {
        padding: var(--spacing-md);
    }
    
    .logo-text {
        font-size: 1.125rem;
    }
    
    .btn-large {
        padding: var(--spacing-md) var(--spacing-lg);
        font-size: 1rem;
    }
}

/* ==================== ANIMATIONS ==================== */
@keyframes fadeIn {
    from { opacity: 0; transform: translateY(20px); }
    to { opacity: 1; transform: translateY(0); }
}

.animate-fade-in {
    animation: fadeIn 0.6s ease forwards;
}

/* ==================== STATS SECTION ==================== */
.stats-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: var(--spacing-xl);
}

.stat-item {
    text-align: center;
    padding: var(--spacing-xl);
}

.stat-number {
    font-size: 3rem;
    font-weight: 700;
    color: var(--accent-gold);
    font-family: var(--font-heading);
    margin-bottom: var(--spacing-sm);
}

.stat-label {
    font-size: 1rem;
    color: rgba(255, 255, 255, 0.8);
    text-transform: uppercase;
    letter-spacing: 1px;
}

/* ==================== INFO BOXES ==================== */
.info-box {
    background-color: var(--white);
    border-radius: var(--radius-lg);
    padding: var(--spacing-xl);
    box-shadow: var(--shadow-md);
    border-left: 4px solid var(--accent-gold);
}

.info-box-title {
    font-size: 1.25rem;
    color: var(--primary-navy);
    margin-bottom: var(--spacing-md);
}

.info-box-list {
    list-style: none;
}

.info-box-list li {
    padding: var(--spacing-sm) 0;
    border-bottom: 1px solid var(--gray-200);
    display: flex;
    align-items: center;
    gap: var(--spacing-md);
}

.info-box-list li:last-child {
    border-bottom: none;
}

.info-box-list li::before {
    content: "✓";
    color: var(--accent-gold);
    font-weight: bold;
}

/* ==================== RATE CARDS ==================== */
.rate-card {
    background-color: var(--white);
    border-radius: var(--radius-lg);
    padding: var(--spacing-xl);
    text-align: center;
    box-shadow: var(--shadow-md);
    border: 2px solid transparent;
    transition: all var(--transition-normal);
}

.rate-card:hover {
    border-color: var(--accent-gold);
    transform: translateY(-5px);
}

.rate-card-title {
    font-size: 1.125rem;
    color: var(--gray-600);
    margin-bottom: var(--spacing-sm);
}

.rate-card-value {
    font-size: 2.5rem;
    font-weight: 700;
    color: var(--primary-navy);
    font-family: var(--font-heading);
}

.rate-card-value span {
    font-size: 1rem;
    color: var(--gray-500);
    font-weight: 400;
}

/* ==================== TESTIMONIALS ==================== */
.testimonial {
    background-color: var(--white);
    border-radius: var(--radius-lg);
    padding: var(--spacing-2xl);
    box-shadow: var(--shadow-md);
    text-align: center;
}

.testimonial-text {
    font-size: 1.125rem;
    font-style: italic;
    color: var(--gray-600);
    margin-bottom: var(--spacing-lg);
    line-height: 1.8;
}

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

.testimonial-role {
    font-size: 0.875rem;
    color: var(--gray-500);
}

/* ==================== BREADCRUMB ==================== */
.breadcrumb {
    background-color: var(--gray-100);
    padding: var(--spacing-md) 0;
}

.breadcrumb-list {
    display: flex;
    align-items: center;
    gap: var(--spacing-sm);
    font-size: 0.875rem;
    flex-wrap: wrap;
}

.breadcrumb-item {
    color: var(--gray-600);
}

.breadcrumb-item a:hover {
    color: var(--accent-gold-dark);
}

.breadcrumb-separator {
    color: var(--gray-400);
}

.breadcrumb-item.active {
    color: var(--primary-navy);
    font-weight: 500;
}

/* ==================== PAGE HEADER ==================== */
.page-header {
    background-color: var(--primary-navy);
    color: var(--white);
    padding: var(--spacing-3xl) 0;
    text-align: center;
}

.page-header-title {
    font-size: 3rem;
    color: var(--white);
    margin-bottom: var(--spacing-md);
}

.page-header-subtitle {
    font-size: 1.125rem;
    color: rgba(255, 255, 255, 0.8);
    max-width: 600px;
    margin: 0 auto;
}

/* ==================== CALCULATOR ==================== */
.calculator {
    background-color: var(--white);
    border-radius: var(--radius-lg);
    padding: var(--spacing-2xl);
    box-shadow: var(--shadow-lg);
}

.calculator-result {
    background-color: var(--primary-navy);
    color: var(--white);
    border-radius: var(--radius-md);
    padding: var(--spacing-xl);
    text-align: center;
    margin-top: var(--spacing-lg);
}

.calculator-result-label {
    font-size: 0.875rem;
    text-transform: uppercase;
    letter-spacing: 1px;
    opacity: 0.8;
    margin-bottom: var(--spacing-sm);
}

.calculator-result-value {
    font-size: 2.5rem;
    font-weight: 700;
    color: var(--accent-gold);
    font-family: var(--font-heading);
}

/* ==================== ALERTS ==================== */
.alert {
    padding: var(--spacing-md) var(--spacing-lg);
    border-radius: var(--radius-md);
    margin-bottom: var(--spacing-lg);
}

.alert-info {
    background-color: rgba(59, 130, 246, 0.1);
    border-left: 4px solid var(--info);
    color: var(--info);
}

.alert-success {
    background-color: rgba(16, 185, 129, 0.1);
    border-left: 4px solid var(--success);
    color: var(--success);
}

.alert-warning {
    background-color: rgba(245, 158, 11, 0.1);
    border-left: 4px solid var(--warning);
    color: var(--warning);
}

.alert-error {
    background-color: rgba(239, 68, 68, 0.1);
    border-left: 4px solid var(--error);
    color: var(--error);
}

/* ==================== CONTACT FORM ==================== */
.contact-form {
    background-color: var(--white);
    border-radius: var(--radius-lg);
    padding: var(--spacing-2xl);
    box-shadow: var(--shadow-lg);
}

.contact-form-title {
    font-size: 1.5rem;
    color: var(--primary-navy);
    margin-bottom: var(--spacing-lg);
    text-align: center;
}

.form-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: var(--spacing-lg);
}

@media (max-width: 768px) {
    .form-row {
        grid-template-columns: 1fr;
    }
}

/* ==================== OVERLAY FOR MOBILE MENU ==================== */
.menu-overlay {
    display: none;
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background-color: rgba(0, 0, 0, 0.5);
    z-index: 1000;
}

.menu-overlay.active {
    display: block;
}

/* ==================== SKIP TO CONTENT ==================== */
.skip-to-content {
    position: absolute;
    top: -100%;
    left: 50%;
    transform: translateX(-50%);
    background-color: var(--accent-gold);
    color: var(--primary-navy-dark);
    padding: var(--spacing-md) var(--spacing-lg);
    font-weight: 600;
    z-index: 9999;
    transition: top var(--transition-fast);
}

.skip-to-content:focus {
    top: var(--spacing-md);
}