/* Base Styles & Variables */
:root {
    --color-primary: #1F3F38; /* Deeper Teal from logo */
    --color-primary-dark: #142E28;
    --color-secondary: #D4AF37; /* Metallic Gold */
    --color-secondary-dark: #b5952f;
    --color-secondary-light: #F9F6ED;
    --color-teal-light: #EBF0EF;
    
    --color-text: #2C3533;
    --color-text-light: #5A6965;
    --color-light: #F4F7F6;
    --color-white: #ffffff;
    --color-dark: #121A18;
    
    --font-main: 'Outfit', sans-serif;
    --font-heading: 'Playfair Display', serif;
    
    --shadow-sm: 0 4px 12px rgba(31, 63, 56, 0.05);
    --shadow-md: 0 10px 25px rgba(31, 63, 56, 0.08);
    --shadow-lg: 0 20px 40px rgba(31, 63, 56, 0.12);
    
    --border-radius: 4px; /* More sophisticated sharper corners */
    --border-radius-lg: 8px;
    
    --transition: all 0.4s cubic-bezier(0.16, 1, 0.3, 1);
}

/* ========================================
   Preloader
   ======================================== */
.preloader {
    position: fixed;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background: var(--color-white);
    display: flex;
    align-items: center;
    justify-content: center;
    z-index: 99999;
    transition: opacity 0.5s ease, visibility 0.5s ease;
}

.preloader.hidden {
    opacity: 0;
    visibility: hidden;
}

.preloader-inner {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 20px;
}

.brand-pulse {
    display: flex;
    justify-content: center;
    align-items: center;
    margin-bottom: 15px;
}

.preloader-logo {
    height: 45px;
    width: auto;
    animation: pulseLogo 2s ease-in-out infinite;
}

.loading-line {
    width: 140px;
    height: 2px;
    background: rgba(0, 0, 0, 0.08); /* light gray track */
    position: relative;
    overflow: hidden;
    border-radius: 2px;
    margin: 0 auto;
}

.loading-line::after {
    content: '';
    position: absolute;
    left: -50%;
    top: 0;
    height: 100%;
    width: 40%;
    background: var(--color-secondary); /* gold sweeper */
    animation: sweepLine 1.5s ease-in-out infinite;
    border-radius: 2px;
}

@keyframes pulseLogo {
    0% { transform: scale(0.98); opacity: 0.8; }
    50% { transform: scale(1.03); opacity: 1; }
    100% { transform: scale(0.98); opacity: 0.8; }
}

@keyframes sweepLine {
    0% { left: -50%; }
    100% { left: 100%; }
}

.preloader-text {
    font-family: var(--font-heading);
    font-size: 1.1rem;
    color: var(--color-primary);
    letter-spacing: 1px;
}

/* ========================================
   Scroll Progress Bar
   ======================================== */
.scroll-progress {
    position: fixed;
    top: 0;
    left: 0;
    height: 3px;
    width: 0%;
    background: linear-gradient(90deg, var(--color-secondary), #F0C95A);
    z-index: 10001;
    transition: none;
}

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

html {
    /* scroll-behavior: smooth removed — causes Android keyboard to scroll page to top on input focus */
}

body {
    font-family: var(--font-main);
    color: var(--color-text);
    line-height: 1.7;
    background-color: #FAFAFA;
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
    -webkit-text-size-adjust: 100%;
}

body.nav-open {
    overflow: hidden;
    position: fixed;
    width: 100%;
}

h1, h2, h3, h4, h5, h6 {
    font-family: var(--font-heading);
    line-height: 1.15;
    font-weight: 700;
    color: var(--color-primary);
    letter-spacing: -0.02em;
}

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

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

/* Utility Classes */
.container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 20px;
}

.text-center { text-align: center; }
.text-gold { color: var(--color-secondary); }
.text-teal { color: var(--color-primary); }
.text-white { color: var(--color-white); }
.text-dark { color: var(--color-dark); }
.bg-light { background-color: var(--color-light); }
.bg-teal { background-color: var(--color-primary); }
.bg-gold { background-color: var(--color-secondary); }
.bg-gold-light { background-color: var(--color-secondary-light); }
.bg-teal-light { background-color: var(--color-teal-light); }
.bg-white { background-color: var(--color-white); }
.mt-4 { margin-top: 1.5rem; }
.mb-2 { margin-bottom: 0.5rem; }
.mb-4 { margin-bottom: 1.5rem; }
.text-sm { font-size: 0.875rem; }

/* Buttons */
.btn {
    display: inline-block;
    padding: 14px 32px;
    border-radius: var(--border-radius);
    font-family: var(--font-main);
    font-weight: 600;
    font-size: 0.95rem;
    letter-spacing: 0.5px;
    text-transform: uppercase;
    text-align: center;
    cursor: pointer;
    transition: var(--transition);
    border: 2px solid transparent;
}

.btn-primary {
    background: linear-gradient(135deg, #DFB94C 0%, #B8860B 100%);
    color: var(--color-white);
    box-shadow: 0 4px 15px rgba(212, 175, 55, 0.3);
    border: none;
}

.btn-primary:hover {
    background: linear-gradient(135deg, #F0C95A 0%, #C49B32 100%);
    transform: translateY(-2px);
    box-shadow: 0 6px 20px rgba(212, 175, 55, 0.4);
}

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

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

.btn-full {
    width: 100%;
    display: block;
}

.btn-large {
    padding: 18px 40px;
    font-size: 1rem;
}

/* Grid System */
.grid {
    display: grid;
    gap: 40px;
}

/* Navigation */
.navbar {
    padding: 15px 0;
    background-color: var(--color-teal-light);
    border-bottom: 1px solid rgba(31, 63, 56, 0.1);
    position: sticky;
    top: 0;
    z-index: 1000;
    transition: padding 0.3s ease, background-color 0.3s ease, box-shadow 0.3s ease, backdrop-filter 0.3s ease;
}

.navbar--scrolled {
    padding: 8px 0;
    background-color: rgba(255, 255, 255, 0.97);
    backdrop-filter: blur(12px);
    -webkit-backdrop-filter: blur(12px);
    box-shadow: 0 4px 30px rgba(31, 63, 56, 0.10);
    border-bottom-color: transparent;
}

.navbar--scrolled .logo-img {
    height: 38px;
}

.navbar--scrolled .btn-outline {
    background: linear-gradient(135deg, #DFB94C 0%, #B8860B 100%);
    color: var(--color-white);
    border-color: transparent;
    box-shadow: 0 4px 15px rgba(212, 175, 55, 0.3);
}

.navbar--scrolled .btn-outline:hover {
    background: linear-gradient(135deg, #F0C95A 0%, #C49B32 100%);
    transform: translateY(-2px);
    box-shadow: 0 6px 20px rgba(212, 175, 55, 0.4);
}

.nav-content {
    display: grid;
    grid-template-columns: 1fr auto 1fr;
    align-items: center;
}

.logo-link {
    grid-column: 2;
    display: flex;
    justify-content: center;
    transition: var(--transition);
}

.logo-link:hover {
    opacity: 0.85;
}

.logo-img {
    height: 50px; /* Reduced height due to extremely wide aspect ratio of text-only logo */
    object-fit: contain;
    transition: height 0.3s ease;
}

.nav-contact {
    grid-column: 3;
    justify-self: end;
}

/* Hero Section */
.hero {
    padding: 100px 0;
    background: linear-gradient(135deg, rgba(255,255,255,1) 0%, rgba(244,247,246,1) 100%);
    overflow: hidden;
    position: relative;
}

.hero::after {
    content: '';
    position: absolute;
    top: 0; right: 0; bottom: 0; left: 0;
    background-image: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%231f3f38' fill-opacity='0.03'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
    z-index: 0;
    pointer-events: none;
}

.hero-content {
    display: flex;
    align-items: center;
    gap: 60px;
    position: relative;
    z-index: 1;
}

.hero-text {
    flex: 1;
}

.badge {
    display: inline-flex;
    align-items: center;
    padding: 6px 14px;
    background-color: var(--color-white);
    color: var(--color-primary);
    border: 1px solid var(--color-secondary);
    border-radius: 20px;
    font-family: var(--font-main);
    font-size: 0.8rem;
    text-transform: uppercase;
    letter-spacing: 1px;
    font-weight: 600;
    margin-bottom: 25px;
    box-shadow: var(--shadow-sm);
}

.hero-headline {
    font-size: 4rem;
    margin-bottom: 25px;
    color: var(--color-primary);
}

.hero-subline {
    font-size: 1.25rem;
    color: var(--color-text-light);
    margin-bottom: 40px;
    font-weight: 300;
}

.hero-cta {
    display: flex;
    flex-direction: column;
    gap: 10px;
    margin-top: 40px;
}

.guarantee {
    font-size: 0.875rem;
    color: var(--color-text-light);
    display: flex;
    align-items: center;
    gap: 5px;
}

.hero-image-wrapper {
    flex: 1;
    position: relative;
}

.hero-image {
    background-image: url('https://images.unsplash.com/photo-1560518883-ce09059eeffa?ixlib=rb-4.0.3&auto=format&fit=crop&w=1000&q=80');
    background-size: cover;
    background-position: center;
    height: 550px;
    border-radius: var(--border-radius);
    box-shadow: var(--shadow-lg);
    position: relative;
}

.hero-image::after {
    content: '';
    position: absolute;
    top: 20px;
    right: -20px;
    bottom: -20px;
    left: 20px;
    border: 2px solid var(--color-secondary);
    border-radius: var(--border-radius);
    z-index: -1;
}

.hero-image::before {
    content: '';
    position: absolute;
    top: 0; left: 0; right: 0; bottom: 0;
    background: linear-gradient(to right, rgba(31, 63, 56, 0.3), rgba(31, 63, 56, 0.1));
    border-radius: var(--border-radius);
}

/* Floating Trust Badge */
.floating-trust-badge {
    position: absolute;
    top: 40px;
    right: -30px;
    background: rgba(255, 255, 255, 0.95);
    backdrop-filter: blur(10px);
    padding: 15px 20px;
    border-radius: 12px;
    box-shadow: 0 15px 35px rgba(31, 63, 56, 0.15);
    display: flex;
    align-items: center;
    gap: 15px;
    z-index: 10;
    border: 1px solid rgba(255, 255, 255, 0.5);
    animation: float 4s ease-in-out infinite;
}

.floating-trust-badge .badge-icon {
    width: 45px;
    height: 45px;
    background: linear-gradient(135deg, #DFB94C 0%, #B8860B 100%);
    color: white;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
}

.floating-trust-badge .badge-text {
    display: flex;
    flex-direction: column;
}

.floating-trust-badge .badge-text strong {
    font-size: 0.95rem;
    color: var(--color-primary);
}

.floating-trust-badge .badge-text span {
    font-size: 0.8rem;
    color: var(--color-text-light);
}

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

.hero-image-overlay {
    position: absolute;
    bottom: -20px;
    left: -20px;
}

.stats-card {
    background: rgba(255, 255, 255, 0.95);
    backdrop-filter: blur(10px);
    padding: 25px 35px;
    border-radius: var(--border-radius);
    box-shadow: var(--shadow-md);
    display: flex;
    flex-direction: column;
    border-left: 4px solid var(--color-secondary);
}

.stats-number {
    font-size: 2.5rem;
    font-weight: 700;
    font-family: var(--font-heading);
    color: var(--color-primary);
    line-height: 1;
}

.stats-text {
    font-size: 0.85rem;
    color: var(--color-text-light);
    text-transform: uppercase;
    letter-spacing: 2px;
    margin-top: 5px;
}

/* Sections Common */
section {
    padding: 100px 0;
}

.section-title {
    font-size: 3rem;
    margin-bottom: 20px;
}

.section-subtitle {
    font-size: 1.125rem;
    color: var(--color-text-light);
    max-width: 600px;
    margin: 0 auto 50px;
}

/* Trust Signals (Features) */
.features-grid {
    grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
    margin-top: 50px;
}

.feature-card {
    padding: 30px;
    background: var(--color-white);
    border-radius: var(--border-radius);
    box-shadow: var(--shadow-sm);
    transition: var(--transition);
    text-align: center;
}

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

.feature-icon {
    width: 60px;
    height: 60px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 20px;
}

.feature-card h3 {
    margin-bottom: 15px;
    font-size: 1.25rem;
}

/* Comparison Table */
.pricing-cards {
    display: flex;
    justify-content: center;
    gap: 30px;
    flex-wrap: wrap;
}

.pricing-card {
    flex: 1;
    min-width: 300px;
    max-width: 350px;
    background: var(--color-white);
    border-radius: var(--border-radius);
    box-shadow: var(--shadow-sm);
    overflow: hidden;
    position: relative;
    transition: var(--transition);
    display: flex;
    flex-direction: column;
    border: 1px solid rgba(0,0,0,0.05);
}

.pricing-card:hover {
    transform: translateY(-10px);
    box-shadow: var(--shadow-lg);
}

.pricing-card.popular {
    transform: scale(1.05);
    z-index: 2;
    border: 2px solid var(--color-secondary);
    box-shadow: 0 15px 35px rgba(212, 175, 55, 0.15);
}

.pricing-card.popular:hover {
    transform: scale(1.05) translateY(-5px);
    box-shadow: 0 20px 45px rgba(212, 175, 55, 0.25);
}

.popular-badge {
    position: absolute;
    top: 0;
    left: 50%;
    transform: translateX(-50%);
    background: var(--color-secondary);
    color: var(--color-white);
    padding: 6px 20px;
    font-size: 0.75rem;
    font-weight: 600;
    letter-spacing: 1px;
    text-transform: uppercase;
    border-bottom-left-radius: var(--border-radius);
    border-bottom-right-radius: var(--border-radius);
}

.card-header {
    padding: 40px 30px 30px;
    text-align: center;
    border-bottom: 1px solid rgba(0,0,0,0.05);
}

.card-header h3 {
    font-size: 1.8rem;
    margin-bottom: 10px;
}

.card-header.bg-teal {
    background-color: var(--color-white);
    color: var(--color-text);
}
.card-header.bg-teal h3 {
    color: var(--color-primary);
}
.card-header.bg-teal p {
    color: var(--color-text-light);
}

.card-header.bg-gold {
    background-color: var(--color-secondary-light);
    color: var(--color-text);
}
.card-header.bg-gold h3 {
    color: var(--color-primary);
}
.card-header.bg-gold p {
    color: var(--color-text-light);
}

.card-body {
    padding: 30px;
    display: flex;
    flex-direction: column;
    flex: 1;
    background-color: var(--color-white);
}

.features-list {
    list-style: none;
    margin-bottom: 30px;
    flex: 1;
}

.features-list li {
    margin-bottom: 15px;
    display: flex;
    align-items: flex-start;
    gap: 10px;
    font-size: 0.9375rem;
}

.check-icon {
    width: 20px;
    height: 20px;
    stroke: var(--color-secondary);
    stroke-width: 3;
    fill: none;
    flex-shrink: 0;
}

.card-action {
    text-align: center;
    margin-top: auto;
}

.rate-preview {
    font-family: var(--font-heading);
    font-size: 1.8rem;
    margin-bottom: 20px;
    color: var(--color-primary);
}

/* Steps */
.steps-container {
    display: flex;
    justify-content: space-between;
    align-items: flex-start;
    max-width: 900px;
    margin: 0 auto;
}

.step-item {
    text-align: center;
    width: 250px;
    position: relative;
}

.step-number {
    width: 70px;
    height: 70px;
    background: var(--color-white);
    color: var(--color-secondary);
    border: 2px solid var(--color-secondary);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-family: var(--font-heading);
    font-size: 2rem;
    font-weight: 700;
    margin: 0 auto 25px;
    box-shadow: var(--shadow-sm);
    transition: var(--transition);
}

.step-item:hover .step-number {
    background: var(--color-secondary);
    color: var(--color-white);
    transform: scale(1.1);
}

.step-connector {
    color: var(--color-text-light);
    margin-top: 20px;
    opacity: 0.5;
}

.step-content h3 {
    margin-bottom: 10px;
}

.step-content p {
    font-size: 0.9375rem;
    color: var(--color-text-light);
}

/* Blog Section */
.blog-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: 30px;
    margin-top: 40px;
}

.blog-card {
    background: var(--color-white);
    border-radius: var(--border-radius);
    overflow: hidden;
    box-shadow: var(--shadow-sm);
    transition: var(--transition);
    display: flex;
    flex-direction: column;
}

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

.blog-image {
    position: relative;
    overflow: hidden;
    border-top-left-radius: var(--border-radius);
    border-top-right-radius: var(--border-radius);
}

.blog-image img {
    transition: transform 0.5s ease;
}

.blog-card:hover .blog-image img {
    transform: scale(1.05);
}

.blog-category {
    position: absolute;
    top: 15px;
    left: 15px;
    background: var(--color-secondary);
    color: var(--color-white);
    padding: 5px 12px;
    font-size: 0.75rem;
    font-weight: 600;
    border-radius: 20px;
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

.blog-content {
    padding: 25px;
    display: flex;
    flex-direction: column;
    flex-grow: 1;
}

.blog-content h3 {
    font-family: var(--font-heading);
    font-size: 1.25rem;
    margin-bottom: 15px;
    line-height: 1.4;
}

.blog-content h3 a {
    color: var(--color-primary);
    text-decoration: none;
    transition: var(--transition);
}

.blog-content h3 a:hover {
    color: var(--color-secondary);
}

.blog-content p {
    color: var(--color-text-light);
    font-size: 0.95rem;
    margin-bottom: 20px;
    flex-grow: 1;
}

.read-more {
    color: var(--color-secondary);
    text-decoration: none;
    font-weight: 600;
    display: inline-flex;
    align-items: center;
    gap: 5px;
    font-size: 0.95rem;
    transition: var(--transition);
}

.read-more:hover {
    color: var(--color-primary);
    gap: 10px;
}

/* FAQ Accordion */
.faq-item {
    border-bottom: 1px solid rgba(0,0,0,0.05);
    margin-bottom: 10px;
}

.faq-question {
    width: 100%;
    text-align: left;
    background: none;
    border: none;
    padding: 20px 0;
    font-size: 1.125rem;
    font-weight: 600;
    color: var(--color-primary);
    cursor: pointer;
    display: flex;
    justify-content: space-between;
    align-items: center;
    font-family: var(--font-main);
}

.faq-icon {
    font-size: 1.5rem;
    color: var(--color-secondary);
    transition: transform 0.3s ease;
}

.faq-answer {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.3s ease-out;
}

.faq-answer p {
    padding-bottom: 20px;
    color: var(--color-text-light);
    line-height: 1.6;
}

.faq-item.active .faq-icon {
    transform: rotate(45deg);
}

.lead-gen {
    position: relative;
    padding: 120px 0;
}

.lead-gen::before {
    content: '';
    position: absolute;
    top: 0; left: 0; right: 0; bottom: 0;
    background-image: url('https://images.unsplash.com/photo-1600585154340-be6161a56a0c?ixlib=rb-4.0.3&auto=format&fit=crop&w=2000&q=80');
    background-size: cover;
    background-position: center;
    opacity: 0.1;
    z-index: 0;
}

.lead-container {
    display: flex;
    gap: 60px;
    align-items: center;
    position: relative;
    z-index: 1;
}

.lead-text {
    flex: 1;
}

.lead-text h2 {
    color: var(--color-white);
    font-size: 3.5rem;
    margin-bottom: 25px;
}

.lead-text p {
    font-size: 1.15rem;
    opacity: 0.9;
}

.lead-form-wrapper {
    flex: 1;
    padding: 40px;
    border-radius: var(--border-radius-lg);
    box-shadow: var(--shadow-lg);
}

.lead-form-wrapper h3 {
    margin-bottom: 25px;
    font-size: 1.5rem;
    text-align: center;
}

.form-group {
    margin-bottom: 20px;
}

label {
    display: block;
    margin-bottom: 8px;
    font-weight: 600;
    font-size: 0.9375rem;
}

input[type="text"],
input[type="tel"],
select {
    width: 100%;
    padding: 12px 15px;
    border: 1px solid #ddd;
    border-radius: var(--border-radius);
    font-family: var(--font-main);
    font-size: 1rem;
    transition: var(--transition);
}

input:focus, select:focus {
    outline: none;
    border-color: var(--color-primary);
    box-shadow: 0 0 0 3px rgba(52, 92, 84, 0.1);
}

.checkbox-group {
    display: flex;
    align-items: flex-start;
    gap: 10px;
}

.checkbox-group input {
    margin-top: 4px;
}

.checkbox-group label {
    font-weight: 400;
}

.error-message {
    color: #e53e3e;
    font-size: 0.8rem;
    margin-top: 5px;
    display: none;
}

.form-group.has-error input,
.form-group.has-error select {
    border-color: #e53e3e;
}

.form-group.has-error .error-message {
    display: block;
}

/* Form Loader & Success */
.btn-large {
    position: relative;
}

.loader {
    display: none;
    width: 20px;
    height: 20px;
    border: 3px solid rgba(26, 26, 26, 0.3);
    border-radius: 50%;
    border-top-color: var(--color-dark);
    animation: spin 1s ease-in-out infinite;
    position: absolute;
    left: 50%;
    top: 50%;
    transform: translate(-50%, -50%);
}

@keyframes spin {
    to { transform: translate(-50%, -50%) rotate(360deg); }
}

.btn.loading .btn-text {
    visibility: hidden;
}

.btn.loading .loader {
    display: block;
}

.success-message {
    display: none;
    text-align: center;
    padding: 20px 0;
}

.success-message h4 {
    margin-bottom: 10px;
    color: var(--color-primary);
}

/* Footer */
.footer {
    background-color: var(--color-teal-light); /* Light premium background */
    color: var(--color-text);
    padding: 80px 0 40px;
    border-top: 1px solid rgba(31, 63, 56, 0.1);
}

.footer-content {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 40px;
}

.footer-logo {
    text-align: center;
    display: flex;
    flex-direction: column;
    align-items: center;
}

.footer-logo img {
    margin-bottom: 20px;
    /* Removed the white background box */
}

.footer-logo p {
    color: var(--color-primary);
    font-weight: 600;
    font-size: 0.95rem;
    letter-spacing: 0.5px;
}

.footer-links {
    display: flex;
    gap: 30px;
    flex-wrap: wrap;
    justify-content: center;
}

.footer-links a {
    color: var(--color-text-light);
    font-size: 0.95rem;
    font-weight: 500;
}

.footer-links a:hover {
    color: var(--color-secondary-dark);
}

.footer-copyright {
    color: var(--color-text-light);
    font-size: 0.85rem;
    border-top: 1px solid rgba(31, 63, 56, 0.1);
    width: 100%;
    text-align: center;
    padding-top: 30px;
}

/* Individual Article Template Styles */
.article-header {
    padding: 50px 0 40px;
    text-align: center;
}

.article-header .badge {
    display: inline-block;
    padding: 5px 15px;
    border-radius: 20px;
    font-size: 0.85rem;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 1px;
}

.article-title {
    font-size: 2.5rem;
    margin-bottom: 20px;
    line-height: 1.25;
    color: var(--color-white);
}

.article-meta {
    font-size: 0.95rem;
    color: rgba(255,255,255,0.8);
    display: flex;
    justify-content: center;
    gap: 10px;
}

.article-body {
    padding: 60px 0 100px;
    background: var(--color-white);
}

.article-featured-image {
    margin-top: -100px;
    margin-bottom: 50px;
    border-radius: var(--border-radius);
    overflow: hidden;
    box-shadow: var(--shadow-md);
    position: relative;
    z-index: 5;
}

.article-featured-image img {
    width: 100%;
    height: auto;
    display: block;
}

.article-content {
    font-size: 1.125rem;
    line-height: 1.8;
    color: var(--color-text);
}

.article-content h2 {
    font-family: var(--font-heading);
    font-size: 2rem;
    color: var(--color-primary);
    margin: 40px 0 20px;
    line-height: 1.3;
}

.article-content h3 {
    font-family: var(--font-heading);
    font-size: 1.5rem;
    color: var(--color-primary);
    margin: 30px 0 15px;
}

.article-content p {
    margin-bottom: 25px;
}

.article-content .lead-paragraph {
    font-size: 1.25rem;
    color: var(--color-text-light);
    font-weight: 400;
    margin-bottom: 40px;
}

.article-content ul, .article-content ol {
    margin-bottom: 25px;
    padding-left: 20px;
}

.article-content li {
    margin-bottom: 10px;
}

.article-content blockquote {
    font-family: var(--font-heading);
    font-size: 1.5rem;
    font-style: italic;
    color: var(--color-primary);
    border-left: 4px solid var(--color-secondary);
    padding: 20px 0 20px 30px;
    margin: 40px 0;
    background: rgba(212, 175, 55, 0.05);
}

.article-content a:not(.btn) {
    color: var(--color-secondary);
    text-decoration: underline;
    font-weight: 500;
}

.article-content a:not(.btn):hover {
    color: var(--color-secondary-dark);
}

.highlight-box {
    padding: 40px;
    border-radius: var(--border-radius);
    margin: 50px 0;
    text-align: center;
}

.highlight-box h3 {
    margin-top: 0;
    margin-bottom: 15px;
}

.highlight-box p {
    margin-bottom: 25px;
}

.wrapper-narrow {
    max-width: 800px;
    margin: 0 auto;
    padding: 0 20px;
}

/* Scroll Animations */
.animate-on-scroll {
    opacity: 0;
    transition: opacity 0.8s cubic-bezier(0.16, 1, 0.3, 1), transform 0.8s cubic-bezier(0.16, 1, 0.3, 1);
    will-change: opacity, transform;
}

.fade-up {
    transform: translateY(40px);
}

.fade-left {
    transform: translateX(40px);
}

.fade-right {
    transform: translateX(-40px);
}

.animate-on-scroll.is-visible {
    opacity: 1;
    transform: translate(0, 0);
}

/* Mortgage Calculator */
.calculator-wrapper {
    background: var(--color-white);
    border-radius: var(--border-radius-lg);
    box-shadow: var(--shadow-lg);
    overflow: hidden;
    max-width: 1000px;
    margin: 0 auto;
}

.calculator-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
}

.calc-inputs {
    padding: 50px;
}

.calc-inputs .form-group {
    margin-bottom: 30px;
}

.calc-inputs .form-group:last-child {
    margin-bottom: 0;
}

.calc-inputs input[type="number"] {
    font-family: var(--font-heading);
    font-size: 1.5rem;
    font-weight: 600;
    color: var(--color-primary);
    padding: 15px;
}

.slider {
    appearance: none;
    -webkit-appearance: none;
    width: 100%;
    height: 6px;
    border-radius: 3px;
    background: #e0e0e0;
    outline: none;
    margin: 15px 0;
}

.slider::-webkit-slider-thumb {
    -webkit-appearance: none;
    appearance: none;
    width: 24px;
    height: 24px;
    border-radius: 50%;
    background: var(--color-secondary);
    cursor: pointer;
    box-shadow: 0 2px 5px rgba(0,0,0,0.2);
}

.slider-value {
    text-align: right;
    font-size: 0.95rem;
    color: var(--color-text-light);
    font-weight: 500;
}

.calc-results {
    padding: 50px;
    display: flex;
    flex-direction: column;
    justify-content: center;
    align-items: center;
    text-align: center;
    border-left: 1px solid rgba(0,0,0,0.05);
}

.monthly-rate {
    display: flex;
    align-items: baseline;
    justify-content: center;
    gap: 8px;
    margin-bottom: 10px;
}

.rate-value {
    font-family: var(--font-heading);
    font-size: 3.5rem;
    font-weight: 700;
    line-height: 1;
}

.rate-currency {
    font-weight: 600;
    font-size: 1.1rem;
}

.calc-disclaimer {
    font-size: 0.85rem;
    color: var(--color-text-light);
    max-width: 300px;
    margin: 0 auto;
}

/* About Us */
.about-grid {
    display: grid;
    grid-template-columns: 1fr 1.2fr;
    gap: 60px;
    align-items: center;
}

.about-image {
    position: relative;
    padding-right: 20px;
    padding-bottom: 20px;
}

/* Testimonials */
.reviews-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 30px;
    margin-top: 40px;
}

.review-card {
    background: var(--color-white);
    color: var(--color-text);
    padding: 30px;
    border-radius: var(--border-radius-lg);
    box-shadow: 0 10px 30px rgba(0,0,0,0.1);
    display: flex;
    flex-direction: column;
    gap: 20px;
    transition: var(--transition);
}

.review-card:hover {
    transform: translateY(-5px);
}

.review-header {
    display: flex;
    align-items: center;
    gap: 15px;
}

.reviewer-img {
    width: 60px;
    height: 60px;
    border-radius: 50%;
    object-fit: cover;
    border: 2px solid var(--color-secondary);
}

.reviewer-info h4 {
    margin-bottom: 5px;
    font-size: 1.1rem;
    color: var(--color-text);
}

.stars {
    color: #FABB05; /* Google Yellow */
    font-size: 1.1rem;
    letter-spacing: 2px;
}

.review-body p {
    font-size: 0.95rem;
    font-style: italic;
    color: var(--color-text-light);
    line-height: 1.6;
}

/* Bank Logos Carousel */
.carousel-track-container {
    width: 100%;
    overflow: hidden;
    padding: 20px 0;
}

.carousel-track {
    display: flex;
    align-items: center;
    width: calc(250px * 16); /* 8 logos * 2 = 16 */
    animation: scroll 40s linear infinite;
    will-change: transform;
    backface-visibility: hidden;
    -webkit-backface-visibility: hidden;
}

.carousel-track:hover {
    animation-play-state: paused;
}

@keyframes scroll {
    0% { transform: translateX(0); }
    100% { transform: translateX(calc(-250px * 8)); }
}

.bank-logo {
    width: 250px;
    display: flex;
    justify-content: center;
    align-items: center;
    font-size: 1.5rem;
    color: var(--color-text-light);
    opacity: 0.6;
    transition: var(--transition);
}

.bank-logo strong {
    color: var(--color-text);
    margin-right: 5px;
}

.bank-logo:hover {
    opacity: 1;
    transform: scale(1.05);
}

/* Responsive Design */
@media (max-width: 992px) {
    .hero-content {
        flex-direction: column;
    }
    
    .hero-text {
        text-align: center;
    }
    
    .hero-cta {
        align-items: center;
    }
    
    .hero-image-overlay {
        display: none;
    }
    
    .calculator-grid {
        grid-template-columns: 1fr;
    }
    
    .calc-results {
        border-left: none;
        border-top: 1px solid rgba(0,0,0,0.05);
        padding: 40px 30px;
    }
    
    .calc-inputs {
        padding: 40px 30px;
    }

    .lead-container {
        flex-direction: column;
    }
    
    .pricing-card.popular {
        transform: scale(1);
    }
    
    .pricing-card.popular:hover {
        transform: translateY(-5px);
    }
}

@media (max-width: 768px) {
    .nav-content {
        grid-template-columns: auto 1fr auto;
        gap: 0;
    }

    .logo-link {
        grid-column: 2;
        justify-self: center;
    }

    .nav-toggle {
        display: flex;
        grid-column: 3;
    }

    .nav-contact {
        display: none;
    }

    .nav-menu {
        display: flex;
        position: fixed;
        top: 0;
        right: -100%;
        width: 280px;
        height: 100vh;
        flex-direction: column;
        background: var(--color-white);
        padding: 80px 30px 30px;
        box-shadow: -10px 0 30px rgba(0,0,0,0.1);
        z-index: 9998;
        transition: right 0.35s cubic-bezier(0.16, 1, 0.3, 1);
    }

    .nav-menu.open {
        right: 0;
    }

    .nav-menu-link {
        display: block;
        padding: 14px 0;
        font-size: 1.05rem;
        font-weight: 500;
        color: var(--color-text);
        border-bottom: 1px solid rgba(0,0,0,0.05);
        transition: color 0.2s ease;
    }

    .nav-menu-link:hover {
        color: var(--color-secondary);
    }

    .nav-menu-cta {
        margin-top: 10px;
        background: linear-gradient(135deg, #DFB94C 0%, #B8860B 100%);
        color: var(--color-white) !important;
        text-align: center;
        padding: 14px 20px;
        border-radius: var(--border-radius);
        border: none;
        font-weight: 600;
        text-transform: uppercase;
        letter-spacing: 0.5px;
        font-size: 0.9rem;
    }

    .nav-overlay {
        display: block;
        position: fixed;
        top: 0;
        left: 0;
        width: 100%;
        height: 100%;
        background: rgba(0,0,0,0.4);
        z-index: 9997;
        opacity: 0;
        visibility: hidden;
        transition: opacity 0.3s ease, visibility 0.3s ease;
    }

    .nav-overlay.visible {
        opacity: 1;
        visibility: visible;
    }

    /* Reviews Carousel */
    .reviews-grid {
        grid-template-columns: 1fr;
        display: flex !important;
        overflow-x: auto;
        scroll-snap-type: x mandatory;
        -webkit-overflow-scrolling: touch;
        gap: 0;
        margin: 0 -20px;
        padding: 0 20px 20px;
        scrollbar-width: none;
    }

    .reviews-grid::-webkit-scrollbar {
        display: none;
    }

    .reviews-grid .review-card {
        min-width: calc(100vw - 80px);
        scroll-snap-align: center;
        flex-shrink: 0;
        margin-right: 20px;
    }

    .reviews-dots {
        display: flex;
    }

    .hero-headline {
        font-size: 2.5rem;
    }
    
    .features-grid {
        grid-template-columns: 1fr;
    }
    
    .about-grid {
        grid-template-columns: 1fr;
        gap: 40px;
    }
    
    .about-image {
        padding-right: 0;
        margin-bottom: 20px;
    }
    
    .reviews-grid {
        grid-template-columns: 1fr;
    }
    
    .steps-container {
        flex-direction: column;
        align-items: center;
        gap: 30px;
    }
    
    .step-connector {
        transform: rotate(90deg);
        margin: 0;
    }
    
    .section-title {
        font-size: 2rem;
    }

    /* ---- Mobile stability fixes ---- */

    /* Stop floating badge from causing layout shifts */
    .floating-trust-badge {
        animation: none;
        position: static;
        margin: 20px auto 0;
        right: auto;
        top: auto;
    }

    /* Reduce heavy scroll animations on mobile */
    .animate-on-scroll {
        transition-duration: 0.4s;
    }

    .fade-up { transform: translateY(20px); }
    .fade-left { transform: translateX(20px); }
    .fade-right { transform: translateX(-20px); }

    /* Prevent iOS zoom on input focus */
    input[type="text"],
    input[type="tel"],
    input[type="number"],
    input[type="email"],
    select,
    textarea {
        font-size: 16px !important;
    }

    /* Stabilize hero parallax area */
    .hero-image {
        transform: none !important;
    }
    
    /* Prevent overflow-x from causing horizontal scroll */
    .hero {
        overflow-x: hidden;
    }
}

@media (max-width: 480px) {
    .hero-image {
        height: 300px;
    }
    
    /* Hide decorative border that causes horizontal overflow */
    .hero-image::after {
        display: none;
    }

    .hero-image-overlay {
        display: none;
    }
    
    .pricing-cards {
        flex-direction: column;
        align-items: center;
    }
    
    .pricing-card {
        width: 100%;
        max-width: 100%;
    }
    
    .btn {
        width: 100%;
        margin-bottom: 10px;
    }
}

/* ========================================
   Floating WhatsApp Button (CRO)
   ======================================== */
.whatsapp-float {
    position: fixed;
    bottom: 28px;
    right: 28px;
    width: 60px;
    height: 60px;
    background: #25D366;
    color: #fff;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    box-shadow: 0 6px 20px rgba(37, 211, 102, 0.4);
    z-index: 9999;
    transition: transform 0.3s ease, box-shadow 0.3s ease, background 0.3s ease;
    text-decoration: none;
    cursor: pointer;
}

.whatsapp-float:hover {
    transform: scale(1.1);
    box-shadow: 0 8px 28px rgba(37, 211, 102, 0.55);
    background: #20c05c;
}

.whatsapp-float:active {
    transform: scale(0.95);
}

/* Pulse ring */
.whatsapp-pulse {
    position: absolute;
    width: 100%;
    height: 100%;
    border-radius: 50%;
    background: rgba(37, 211, 102, 0.35);
    z-index: -1;
    animation: whatsapp-pulse 2s ease-out infinite;
    pointer-events: none;
}

@keyframes whatsapp-pulse {
    0% {
        transform: scale(1);
        opacity: 0.6;
    }
    100% {
        transform: scale(1.7);
        opacity: 0;
    }
}

/* Tooltip on hover */
.whatsapp-tooltip {
    position: absolute;
    right: 72px;
    top: 50%;
    transform: translateY(-50%);
    background: var(--color-dark);
    color: #fff;
    padding: 8px 16px;
    border-radius: 8px;
    font-size: 0.85rem;
    font-weight: 500;
    font-family: var(--font-main);
    white-space: nowrap;
    opacity: 0;
    pointer-events: none;
    transition: opacity 0.3s ease, transform 0.3s ease;
    box-shadow: 0 4px 12px rgba(0,0,0,0.15);
}

.whatsapp-tooltip::after {
    content: '';
    position: absolute;
    top: 50%;
    right: -6px;
    transform: translateY(-50%);
    border: 6px solid transparent;
    border-left-color: var(--color-dark);
    border-right: none;
}

.whatsapp-float:hover .whatsapp-tooltip {
    opacity: 1;
    transform: translateY(-50%) translateX(-4px);
}

/* Responsive WhatsApp */
@media (max-width: 480px) {
    .whatsapp-float {
        width: 52px;
        height: 52px;
        bottom: 20px;
        right: 20px;
    }

    .whatsapp-tooltip {
        display: none;
    }

    .back-to-top {
        bottom: 80px;
        right: 20px;
        width: 40px;
        height: 40px;
    }
}

/* ========================================
   Hamburger Toggle
   ======================================== */
.nav-toggle {
    display: none;
    flex-direction: column;
    gap: 5px;
    background: none;
    border: none;
    cursor: pointer;
    padding: 8px;
    z-index: 9999;
}

.nav-toggle-bar {
    display: block;
    width: 24px;
    height: 2.5px;
    background: var(--color-primary);
    border-radius: 2px;
    transition: transform 0.3s ease, opacity 0.3s ease;
}

.nav-toggle.active .nav-toggle-bar:nth-child(1) {
    transform: translateY(7.5px) rotate(45deg);
}

.nav-toggle.active .nav-toggle-bar:nth-child(2) {
    opacity: 0;
}

.nav-toggle.active .nav-toggle-bar:nth-child(3) {
    transform: translateY(-7.5px) rotate(-45deg);
}

/* Mobile Nav Menu (hidden by default, shown via media query) */
.nav-menu {
    display: none;
}

.nav-overlay {
    display: none;
}

/* ========================================
   Calculator Totals
   ======================================== */
.calc-totals {
    width: 100%;
    border-top: 1px solid rgba(0,0,0,0.08);
    padding-top: 15px;
}

.calc-total-row {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 6px 0;
    font-size: 0.9rem;
}

.calc-total-row span {
    color: var(--color-text-light);
}

.calc-total-row strong {
    font-family: var(--font-heading);
    font-size: 1.1rem;
    color: var(--color-primary);
}

/* ========================================
   Real-time Form Validation
   ======================================== */
.form-group.is-valid input,
.form-group.is-valid select {
    border-color: #38a169;
}

.form-group.is-valid::after {
    content: '\2714';
    position: absolute;
    right: 12px;
    top: 50%;
    color: #38a169;
    font-size: 1rem;
}

.form-group {
    position: relative;
}

.form-group.shake {
    animation: shake 0.4s ease;
}

@keyframes shake {
    0%, 100% { transform: translateX(0); }
    20%, 60% { transform: translateX(-6px); }
    40%, 80% { transform: translateX(6px); }
}

/* ========================================
   Reviews Carousel Dots (mobile)
   ======================================== */
.reviews-dots {
    display: none;
    justify-content: center;
    gap: 8px;
    margin-top: 20px;
}

.reviews-dots .dot {
    width: 10px;
    height: 10px;
    border-radius: 50%;
    background: rgba(255,255,255,0.3);
    cursor: pointer;
    transition: background 0.3s ease, transform 0.3s ease;
}

.reviews-dots .dot.active {
    background: var(--color-secondary);
    transform: scale(1.3);
}

/* ========================================
   Back to Top Button
   ======================================== */
.back-to-top {
    position: fixed;
    bottom: 100px;
    right: 28px;
    width: 44px;
    height: 44px;
    border: none;
    border-radius: 50%;
    background: linear-gradient(135deg, #DFB94C 0%, #B8860B 100%);
    color: #fff;
    display: flex;
    align-items: center;
    justify-content: center;
    cursor: pointer;
    box-shadow: 0 4px 15px rgba(212, 175, 55, 0.3);
    z-index: 9998;
    opacity: 0;
    visibility: hidden;
    transform: translateY(20px);
    transition: opacity 0.3s ease, visibility 0.3s ease, transform 0.3s ease, box-shadow 0.3s ease;
}

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

.back-to-top:hover {
    box-shadow: 0 6px 20px rgba(212, 175, 55, 0.5);
    transform: translateY(-3px);
}

/* ========================================
   GDPR Cookie Banner
   ======================================== */
.cookie-banner {
    position: fixed;
    bottom: 0;
    left: 0;
    right: 0;
    background: var(--color-dark);
    color: rgba(255,255,255,0.9);
    z-index: 99998;
    padding: 20px;
    transform: translateY(100%);
    transition: transform 0.5s cubic-bezier(0.16, 1, 0.3, 1);
}

.cookie-banner.visible {
    transform: translateY(0);
}

.cookie-banner.hidden {
    transform: translateY(100%);
}

.cookie-content {
    max-width: 1200px;
    margin: 0 auto;
    display: flex;
    align-items: center;
    gap: 20px;
    flex-wrap: wrap;
}

.cookie-content p {
    flex: 1;
    min-width: 250px;
    font-size: 0.9rem;
    line-height: 1.5;
    margin: 0;
}

.cookie-content a {
    color: var(--color-secondary);
    text-decoration: underline;
}

.cookie-actions {
    display: flex;
    gap: 10px;
    flex-shrink: 0;
}

.cookie-btn {
    padding: 10px 24px;
    font-size: 0.85rem;
}

.cookie-reject {
    border-color: rgba(255,255,255,0.3);
    color: rgba(255,255,255,0.8);
}

.cookie-reject:hover {
    background: rgba(255,255,255,0.1);
    color: #fff;
}

/* Body scroll lock for mobile menu */
body.nav-open {
    overflow: hidden;
}

/* ========================================
   Additional Features (Blog, Breadcrumbs, etc.)
   ======================================== */

/* Breadcrumbs */
.breadcrumbs {
    background: #f8f9fa;
    padding: 15px 0;
    border-bottom: 1px solid rgba(0,0,0,0.05);
}

.breadcrumbs .container {
    display: flex;
    align-items: center;
    gap: 10px;
    font-size: 0.9rem;
}

.breadcrumbs a {
    color: var(--color-primary);
    text-decoration: none;
    font-weight: 500;
}

.breadcrumbs a:hover {
    color: var(--color-secondary);
    text-decoration: underline;
}

.breadcrumb-sep {
    color: var(--color-text-light);
}

.breadcrumb-current {
    color: var(--color-text-light);
}

/* Social Share */
.social-share {
    margin-top: 50px;
    padding-top: 30px;
    border-top: 1px solid rgba(0,0,0,0.1);
}

.share-label {
    display: block;
    font-weight: 600;
    margin-bottom: 15px;
    color: var(--color-primary);
}

.share-buttons {
    display: flex;
    gap: 15px;
    flex-wrap: wrap;
}

.share-btn {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 10px 20px;
    border-radius: var(--border-radius);
    text-decoration: none;
    font-weight: 600;
    font-size: 0.9rem;
    transition: var(--transition);
    border: none;
    cursor: pointer;
}

.share-whatsapp {
    background: #25D366;
    color: #ffffff !important;
    text-decoration: none !important;
}

.share-whatsapp:hover {
    background: #20b858;
    color: #ffffff !important;
    text-decoration: none !important;
}

.share-facebook {
    background: #1877F2;
    color: #ffffff !important;
    text-decoration: none !important;
}

.share-facebook:hover {
    background: #1664cc;
    color: #ffffff !important;
    text-decoration: none !important;
}

.share-copy {
    background: #e9ecef;
    color: var(--color-text) !important;
    text-decoration: none !important;
}

.share-copy:hover {
    background: #dee2e6;
}

/* Related Articles */
.related-articles {
    background: #f8f9fa;
    padding: 60px 0;
}

.related-title {
    font-family: var(--font-heading);
    font-size: 2rem;
    color: var(--color-primary);
    margin-bottom: 30px;
    text-align: center;
}

.related-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 30px;
}

.related-card {
    background: var(--color-white);
    border-radius: var(--border-radius-lg);
    overflow: hidden;
    box-shadow: var(--shadow-sm);
    text-decoration: none;
    transition: var(--transition);
    display: block;
}

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

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

.related-card-body {
    padding: 20px;
}

.related-category {
    display: inline-block;
    font-size: 0.8rem;
    font-weight: 600;
    color: var(--color-secondary);
    text-transform: uppercase;
    letter-spacing: 1px;
    margin-bottom: 10px;
}

.related-card h4 {
    color: var(--color-primary);
    font-size: 1.2rem;
    line-height: 1.4;
    margin: 0;
}

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