/* ============================================================
   FinNova — Shared Stylesheet
   Fintech España | 2026
   ============================================================ */

/* ---------- Google Fonts ---------- */
@import url('https://fonts.googleapis.com/css2?family=Inter:wght@300;400;500;600;700;800;900&family=Poppins:wght@300;400;500;600;700;800;900&display=swap');

/* ---------- CSS Variables ---------- */
:root {
  --bg-primary:   #03071e;
  --bg-secondary: #0d1b3e;
  --bg-card:      #111d4a;
  --bg-card-2:    #0a1535;
  --accent-1:     #0077ff;
  --accent-2:     #00c8ff;
  --accent-gold:  #f0b429;
  --accent-red:   #ff3860;
  --success:      #00e676;
  --text-primary: #f0f4ff;
  --text-secondary: #8899bb;
  --border:       rgba(0,200,255,0.15);
  --border-gold:  rgba(240,180,41,0.25);
  --shadow-card:  0 8px 32px rgba(0,0,0,0.4);
  --shadow-glow:  0 0 40px rgba(0,119,255,0.2);
  --gradient-hero: linear-gradient(135deg, #03071e 0%, #0d1b3e 55%, #0f3460 100%);
  --gradient-accent: linear-gradient(135deg, #0077ff, #00c8ff);
  --gradient-gold:   linear-gradient(135deg, #f0b429, #ff8c00);
  --gradient-card:   linear-gradient(145deg, rgba(17,29,74,0.9), rgba(10,21,53,0.95));
  --radius-sm: 8px;
  --radius-md: 16px;
  --radius-lg: 24px;
  --radius-xl: 40px;
  --transition: all 0.3s cubic-bezier(0.4,0,0.2,1);
  --font-main: 'Inter', 'Poppins', system-ui, sans-serif;
}

/* ---------- Reset & Base ---------- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

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

body {
  font-family: var(--font-main);
  background: var(--bg-primary);
  color: var(--text-primary);
  line-height: 1.6;
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; height: auto; display: block; }
a  { color: var(--accent-2); text-decoration: none; transition: var(--transition); }
a:hover { color: var(--accent-gold); }
ul { list-style: none; }
button { cursor: pointer; font-family: var(--font-main); }
input, textarea, select { font-family: var(--font-main); }

/* ---------- Scrollbar ---------- */
::-webkit-scrollbar { width: 6px; }
::-webkit-scrollbar-track { background: var(--bg-primary); }
::-webkit-scrollbar-thumb { background: var(--accent-1); border-radius: 3px; }

/* ---------- Selection ---------- */
::selection { background: var(--accent-1); color: #fff; }

/* ============================================================
   HEADER / NAVIGATION
   ============================================================ */
.site-header {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  padding: 0 2rem;
  background: rgba(3,7,30,0.85);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  border-bottom: 1px solid var(--border);
  transition: var(--transition);
}

.site-header.scrolled {
  background: rgba(3,7,30,0.97);
  box-shadow: 0 4px 24px rgba(0,0,0,0.5);
}

.header-inner {
  max-width: 1280px;
  margin: 0 auto;
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 72px;
}

/* Logo */
.logo {
  display: flex;
  align-items: center;
  gap: 10px;
  text-decoration: none;
}

.logo-icon {
  width: 40px; height: 40px;
  background: var(--gradient-accent);
  border-radius: 10px;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.2rem;
  font-weight: 900;
  color: #fff;
  letter-spacing: -1px;
  box-shadow: 0 4px 15px rgba(0,119,255,0.4);
}

.logo-text {
  font-size: 1.4rem;
  font-weight: 800;
  background: var(--gradient-accent);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
  letter-spacing: -0.5px;
}

/* Navigation */
.main-nav { display: flex; align-items: center; gap: 0.5rem; }

.nav-item { position: relative; }

.nav-link {
  display: block;
  padding: 0.5rem 0.85rem;
  font-size: 0.875rem;
  font-weight: 500;
  color: var(--text-secondary);
  border-radius: var(--radius-sm);
  transition: var(--transition);
  white-space: nowrap;
}

.nav-link:hover,
.nav-link.active {
  color: var(--text-primary);
  background: rgba(0,119,255,0.12);
}

.nav-link.active { color: var(--accent-2); }

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

.dropdown-menu {
  position: absolute;
  top: calc(100% + 8px);
  left: 50%;
  transform: translateX(-50%) translateY(-8px);
  background: rgba(10,21,53,0.98);
  backdrop-filter: blur(20px);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 0.75rem;
  min-width: 200px;
  opacity: 0;
  pointer-events: none;
  transition: var(--transition);
  box-shadow: var(--shadow-card);
  z-index: 100;
}

.dropdown:hover .dropdown-menu {
  opacity: 1;
  pointer-events: all;
  transform: translateX(-50%) translateY(0);
}

.dropdown-menu a {
  display: block;
  padding: 0.6rem 1rem;
  font-size: 0.85rem;
  color: var(--text-secondary);
  border-radius: var(--radius-sm);
  transition: var(--transition);
}

.dropdown-menu a:hover {
  background: rgba(0,119,255,0.15);
  color: var(--accent-2);
  padding-left: 1.25rem;
}

/* CTA Button in nav */
.btn-nav-cta {
  padding: 0.55rem 1.25rem;
  background: var(--gradient-accent);
  color: #fff !important;
  border-radius: 50px;
  font-weight: 600;
  font-size: 0.875rem;
  box-shadow: 0 4px 15px rgba(0,119,255,0.35);
  transition: var(--transition);
}

.btn-nav-cta:hover {
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(0,119,255,0.5);
  -webkit-text-fill-color: #fff;
  color: #fff !important;
}

/* Hamburger */
.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  padding: 4px;
  cursor: pointer;
}

.hamburger span {
  display: block;
  width: 24px; height: 2px;
  background: var(--text-primary);
  border-radius: 2px;
  transition: var(--transition);
}

.hamburger.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.hamburger.open span:nth-child(2) { opacity: 0; }
.hamburger.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* Mobile Nav */
.mobile-nav {
  display: none;
  position: fixed;
  top: 72px; left: 0; right: 0;
  background: rgba(3,7,30,0.98);
  backdrop-filter: blur(20px);
  border-bottom: 1px solid var(--border);
  padding: 1.5rem 2rem;
  z-index: 999;
  max-height: calc(100vh - 72px);
  overflow-y: auto;
  transform: translateY(-10px);
  opacity: 0;
  transition: var(--transition);
}

.mobile-nav.open {
  display: block;
  transform: translateY(0);
  opacity: 1;
}

.mobile-nav a {
  display: block;
  padding: 0.75rem 0;
  border-bottom: 1px solid var(--border);
  color: var(--text-secondary);
  font-size: 1rem;
  font-weight: 500;
}

.mobile-nav a:hover { color: var(--accent-2); padding-left: 0.5rem; }

.mobile-nav .section-label {
  display: block;
  font-size: 0.7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 1.5px;
  color: var(--accent-2);
  margin: 1rem 0 0.5rem;
}

/* ============================================================
   HERO SECTIONS
   ============================================================ */
.hero {
  position: relative;
  min-height: 100vh;
  display: flex;
  align-items: center;
  background: var(--gradient-hero);
  overflow: hidden;
  padding: 120px 2rem 80px;
}

.hero-bg {
  position: absolute;
  inset: 0;
  z-index: 0;
}

.hero-bg-img {
  width: 100%; height: 100%;
  object-fit: cover;
  opacity: 0.18;
  filter: blur(1px);
}

.hero-bg::after {
  content: '';
  position: absolute;
  inset: 0;
  background: var(--gradient-hero);
  opacity: 0.88;
}

/* Grid lines overlay */
.hero-grid-overlay {
  position: absolute;
  inset: 0;
  z-index: 1;
  background-image:
    linear-gradient(rgba(0,199,255,0.04) 1px, transparent 1px),
    linear-gradient(90deg, rgba(0,199,255,0.04) 1px, transparent 1px);
  background-size: 60px 60px;
  pointer-events: none;
}

/* Glow orbs */
.hero-orb {
  position: absolute;
  border-radius: 50%;
  filter: blur(80px);
  pointer-events: none;
  z-index: 1;
}

.hero-orb-1 {
  width: 500px; height: 500px;
  background: rgba(0,119,255,0.15);
  top: -150px; right: -100px;
}

.hero-orb-2 {
  width: 400px; height: 400px;
  background: rgba(0,200,255,0.1);
  bottom: -100px; left: -50px;
}

.hero-orb-3 {
  width: 300px; height: 300px;
  background: rgba(240,180,41,0.08);
  top: 40%; left: 40%;
}

.hero-content {
  position: relative;
  z-index: 2;
  max-width: 1280px;
  margin: 0 auto;
  width: 100%;
}

.hero-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: center;
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 0.5rem 1rem;
  background: rgba(0,119,255,0.15);
  border: 1px solid rgba(0,119,255,0.3);
  border-radius: 50px;
  font-size: 0.8rem;
  font-weight: 600;
  color: var(--accent-2);
  margin-bottom: 1.5rem;
  animation: fadeInDown 0.6s ease both;
}

.hero-badge .dot {
  width: 6px; height: 6px;
  background: var(--success);
  border-radius: 50%;
  animation: pulse 2s infinite;
}

.hero-title {
  font-size: clamp(2.4rem, 5vw, 4.2rem);
  font-weight: 900;
  line-height: 1.08;
  letter-spacing: -1.5px;
  margin-bottom: 1.5rem;
  animation: fadeInUp 0.7s ease 0.1s both;
}

.hero-title .highlight {
  background: var(--gradient-accent);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.hero-title .highlight-gold {
  background: var(--gradient-gold);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.hero-desc {
  font-size: 1.125rem;
  color: var(--text-secondary);
  max-width: 520px;
  margin-bottom: 2.5rem;
  line-height: 1.75;
  animation: fadeInUp 0.7s ease 0.2s both;
}

.hero-actions {
  display: flex;
  gap: 1rem;
  flex-wrap: wrap;
  animation: fadeInUp 0.7s ease 0.3s both;
}

/* Hero Visual */
.hero-visual {
  position: relative;
  animation: fadeInRight 0.8s ease 0.2s both;
}

.hero-img-wrap {
  position: relative;
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: 0 24px 64px rgba(0,0,0,0.5), 0 0 0 1px var(--border);
}

.hero-img-wrap img {
  width: 100%;
  height: 420px;
  object-fit: cover;
  transition: transform 0.6s ease;
}

.hero-img-wrap:hover img { transform: scale(1.03); }

.hero-img-badge {
  position: absolute;
  bottom: -20px;
  left: 50%;
  transform: translateX(-50%);
  background: rgba(10,21,53,0.95);
  border: 1px solid var(--border);
  backdrop-filter: blur(10px);
  border-radius: var(--radius-md);
  padding: 1rem 1.5rem;
  display: flex;
  gap: 2rem;
  white-space: nowrap;
  box-shadow: var(--shadow-card);
}

.hero-stat-item { text-align: center; }
.hero-stat-num {
  font-size: 1.5rem;
  font-weight: 800;
  background: var(--gradient-accent);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
  line-height: 1.2;
}
.hero-stat-label { font-size: 0.7rem; color: var(--text-secondary); text-transform: uppercase; letter-spacing: 0.5px; }

/* Hero sub-pages (shorter) */
.hero-sub {
  min-height: 60vh;
  padding: 140px 2rem 80px;
}

.hero-sub .hero-title { font-size: clamp(2rem, 4vw, 3.2rem); }

/* ============================================================
   BUTTONS
   ============================================================ */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 0.85rem 2rem;
  border-radius: 50px;
  font-size: 0.95rem;
  font-weight: 600;
  border: none;
  outline: none;
  transition: var(--transition);
  cursor: pointer;
  text-decoration: none;
  white-space: nowrap;
}

.btn-primary {
  background: var(--gradient-accent);
  color: #fff;
  box-shadow: 0 4px 20px rgba(0,119,255,0.4);
}

.btn-primary:hover {
  transform: translateY(-3px);
  box-shadow: 0 8px 30px rgba(0,119,255,0.55);
  color: #fff;
}

.btn-secondary {
  background: transparent;
  color: var(--text-primary);
  border: 1.5px solid rgba(0,200,255,0.4);
  backdrop-filter: blur(5px);
}

.btn-secondary:hover {
  background: rgba(0,200,255,0.1);
  border-color: var(--accent-2);
  color: var(--accent-2);
  transform: translateY(-2px);
}

.btn-gold {
  background: var(--gradient-gold);
  color: #1a1000;
  box-shadow: 0 4px 20px rgba(240,180,41,0.35);
}

.btn-gold:hover {
  transform: translateY(-3px);
  box-shadow: 0 8px 28px rgba(240,180,41,0.5);
  color: #1a1000;
}

.btn-outline-white {
  background: transparent;
  color: #fff;
  border: 1.5px solid rgba(255,255,255,0.3);
}

.btn-outline-white:hover {
  background: rgba(255,255,255,0.1);
  border-color: rgba(255,255,255,0.6);
  color: #fff;
}

.btn-sm { padding: 0.6rem 1.4rem; font-size: 0.85rem; }
.btn-lg { padding: 1.1rem 2.5rem; font-size: 1.05rem; }

.btn svg, .btn .btn-icon { width: 18px; height: 18px; }

/* ============================================================
   SECTIONS
   ============================================================ */
.section {
  padding: 100px 2rem;
  position: relative;
}

.section-sm { padding: 60px 2rem; }
.section-dark { background: var(--bg-secondary); }
.section-card-bg { background: var(--bg-card-2); }

.container {
  max-width: 1280px;
  margin: 0 auto;
}

.container-sm { max-width: 900px; margin: 0 auto; }
.container-md { max-width: 1100px; margin: 0 auto; }

/* Section Header */
.section-header { text-align: center; margin-bottom: 4rem; }

.section-tag {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 0.4rem 1rem;
  background: rgba(0,119,255,0.12);
  border: 1px solid rgba(0,119,255,0.25);
  border-radius: 50px;
  font-size: 0.78rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 1.5px;
  color: var(--accent-2);
  margin-bottom: 1rem;
}

.section-title {
  font-size: clamp(1.8rem, 3.5vw, 2.8rem);
  font-weight: 800;
  line-height: 1.15;
  letter-spacing: -0.5px;
  margin-bottom: 1rem;
}

.section-title .highlight {
  background: var(--gradient-accent);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.section-subtitle {
  font-size: 1.05rem;
  color: var(--text-secondary);
  max-width: 620px;
  margin: 0 auto;
  line-height: 1.7;
}

/* ============================================================
   CARDS
   ============================================================ */
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.5rem; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1.5rem; }
.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 2rem; }
.grid-auto { display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); gap: 1.5rem; }

.card {
  background: var(--gradient-card);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 2rem;
  transition: var(--transition);
  position: relative;
  overflow: hidden;
}

.card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 1px;
  background: var(--gradient-accent);
  opacity: 0;
  transition: var(--transition);
}

.card:hover {
  transform: translateY(-6px);
  border-color: rgba(0,200,255,0.3);
  box-shadow: 0 20px 50px rgba(0,0,0,0.4), var(--shadow-glow);
}

.card:hover::before { opacity: 1; }

.card-icon {
  width: 56px; height: 56px;
  border-radius: var(--radius-md);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.5rem;
  margin-bottom: 1.25rem;
  background: rgba(0,119,255,0.15);
  border: 1px solid rgba(0,119,255,0.2);
}

.card-icon.gold  { background: rgba(240,180,41,0.15); border-color: rgba(240,180,41,0.2); }
.card-icon.cyan  { background: rgba(0,200,255,0.15); border-color: rgba(0,200,255,0.2); }
.card-icon.green { background: rgba(0,230,118,0.12); border-color: rgba(0,230,118,0.2); }
.card-icon.red   { background: rgba(255,56,96,0.12);  border-color: rgba(255,56,96,0.2);  }

.card-title {
  font-size: 1.1rem;
  font-weight: 700;
  margin-bottom: 0.6rem;
  color: var(--text-primary);
}

.card-text {
  font-size: 0.9rem;
  color: var(--text-secondary);
  line-height: 1.7;
}

.card-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  margin-top: 1.25rem;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--accent-2);
}

.card-link:hover { gap: 10px; color: var(--accent-gold); }

/* Feature card with image */
.card-img-wrap {
  border-radius: var(--radius-md);
  overflow: hidden;
  margin-bottom: 1.5rem;
  height: 200px;
}

.card-img-wrap img {
  width: 100%; height: 100%;
  object-fit: cover;
  transition: transform 0.5s ease;
}

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

/* ============================================================
   STATS SECTION
   ============================================================ */
.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1px;
  background: var(--border);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  overflow: hidden;
}

.stat-item {
  background: var(--bg-card);
  padding: 2.5rem 2rem;
  text-align: center;
  transition: var(--transition);
}

.stat-item:hover { background: var(--bg-secondary); }

.stat-num {
  font-size: 2.8rem;
  font-weight: 900;
  background: var(--gradient-accent);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
  line-height: 1;
  margin-bottom: 0.5rem;
  letter-spacing: -1px;
}

.stat-label {
  font-size: 0.85rem;
  color: var(--text-secondary);
  font-weight: 500;
}

/* ============================================================
   IMAGE SECTIONS
   ============================================================ */
.img-section {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: center;
}

.img-section.reverse { direction: rtl; }
.img-section.reverse > * { direction: ltr; }

.img-section-content { }
.img-section-title {
  font-size: clamp(1.6rem, 3vw, 2.2rem);
  font-weight: 800;
  margin-bottom: 1rem;
  line-height: 1.2;
}

.img-section-text {
  color: var(--text-secondary);
  line-height: 1.75;
  margin-bottom: 1.5rem;
}

.img-section-visual {
  position: relative;
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: 0 24px 60px rgba(0,0,0,0.45), 0 0 0 1px var(--border);
}

.img-section-visual img {
  width: 100%;
  height: 380px;
  object-fit: cover;
  transition: transform 0.6s ease;
}

.img-section-visual:hover img { transform: scale(1.04); }

/* Floating badge on images */
.img-float-badge {
  position: absolute;
  bottom: 20px; right: 20px;
  background: rgba(3,7,30,0.9);
  backdrop-filter: blur(12px);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 0.85rem 1.25rem;
  box-shadow: var(--shadow-card);
}

/* ============================================================
   FEATURE LIST
   ============================================================ */
.feature-list { list-style: none; }
.feature-list li {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  padding: 0.75rem 0;
  border-bottom: 1px solid var(--border);
  color: var(--text-secondary);
  font-size: 0.95rem;
}
.feature-list li:last-child { border-bottom: none; }
.feature-list .icon {
  flex-shrink: 0;
  width: 22px; height: 22px;
  background: rgba(0,230,118,0.15);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 0.7rem;
  color: var(--success);
  margin-top: 2px;
}

/* ============================================================
   TESTIMONIALS
   ============================================================ */
.testimonial-card {
  background: var(--gradient-card);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 2rem;
  transition: var(--transition);
}

.testimonial-card:hover {
  transform: translateY(-4px);
  border-color: rgba(0,200,255,0.3);
}

.testimonial-quote {
  font-size: 2rem;
  color: var(--accent-1);
  line-height: 1;
  margin-bottom: 0.75rem;
}

.testimonial-text {
  color: var(--text-secondary);
  font-size: 0.95rem;
  line-height: 1.75;
  margin-bottom: 1.5rem;
  font-style: italic;
}

.testimonial-author {
  display: flex;
  align-items: center;
  gap: 12px;
}

.testimonial-avatar {
  width: 44px; height: 44px;
  border-radius: 50%;
  background: var(--gradient-accent);
  display: flex; align-items: center; justify-content: center;
  font-weight: 700;
  font-size: 1rem;
  color: #fff;
  flex-shrink: 0;
}

.testimonial-name { font-weight: 600; font-size: 0.9rem; }
.testimonial-role { font-size: 0.78rem; color: var(--text-secondary); }

.stars { color: var(--accent-gold); font-size: 0.85rem; letter-spacing: 1px; margin-bottom: 0.75rem; }

/* ============================================================
   FORMS
   ============================================================ */
.form-group { margin-bottom: 1.25rem; }

.form-label {
  display: block;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--text-secondary);
  margin-bottom: 0.5rem;
  letter-spacing: 0.3px;
}

.form-control {
  width: 100%;
  padding: 0.85rem 1.1rem;
  background: rgba(0,0,0,0.3);
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  color: var(--text-primary);
  font-size: 0.95rem;
  transition: var(--transition);
  outline: none;
}

.form-control:focus {
  border-color: var(--accent-1);
  background: rgba(0,119,255,0.05);
  box-shadow: 0 0 0 3px rgba(0,119,255,0.15);
}

.form-control::placeholder { color: var(--text-secondary); opacity: 0.6; }

textarea.form-control { min-height: 140px; resize: vertical; }

select.form-control {
  appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' fill='none'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%238899bb' stroke-width='1.5' stroke-linecap='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 1rem center;
  padding-right: 2.5rem;
}

/* ============================================================
   PRICING / PLANS
   ============================================================ */
.plan-card {
  background: var(--gradient-card);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 2.5rem 2rem;
  position: relative;
  transition: var(--transition);
  text-align: center;
}

.plan-card.featured {
  border-color: rgba(0,119,255,0.4);
  background: linear-gradient(145deg, rgba(0,119,255,0.08), rgba(17,29,74,0.95));
  box-shadow: 0 0 40px rgba(0,119,255,0.2);
}

.plan-badge {
  position: absolute;
  top: -12px; left: 50%;
  transform: translateX(-50%);
  background: var(--gradient-accent);
  color: #fff;
  font-size: 0.72rem;
  font-weight: 700;
  padding: 4px 14px;
  border-radius: 50px;
  text-transform: uppercase;
  letter-spacing: 1px;
  white-space: nowrap;
}

.plan-name { font-size: 1rem; font-weight: 600; color: var(--text-secondary); margin-bottom: 0.5rem; text-transform: uppercase; letter-spacing: 1px; }
.plan-price { font-size: 3rem; font-weight: 900; letter-spacing: -2px; line-height: 1; margin-bottom: 0.25rem; }
.plan-price span { font-size: 1rem; font-weight: 500; letter-spacing: 0; }
.plan-period { font-size: 0.8rem; color: var(--text-secondary); margin-bottom: 1.5rem; }
.plan-features { list-style: none; text-align: left; margin-bottom: 2rem; }
.plan-features li { padding: 0.6rem 0; border-bottom: 1px solid var(--border); font-size: 0.88rem; color: var(--text-secondary); display: flex; gap: 8px; align-items: center; }
.plan-features li::before { content: '✓'; color: var(--success); font-weight: 700; flex-shrink: 0; }
.plan-features li.disabled { opacity: 0.4; }
.plan-features li.disabled::before { content: '✗'; color: var(--accent-red); }

/* ============================================================
   PROCESS / STEPS
   ============================================================ */
.steps-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 2rem;
  position: relative;
}

.steps-grid::before {
  content: '';
  position: absolute;
  top: 28px; left: 15%;
  width: 70%; height: 1px;
  background: linear-gradient(90deg, transparent, var(--accent-1), var(--accent-2), transparent);
  z-index: 0;
}

.step-item { text-align: center; position: relative; z-index: 1; }

.step-num {
  width: 56px; height: 56px;
  border-radius: 50%;
  background: var(--gradient-accent);
  color: #fff;
  font-weight: 800;
  font-size: 1.2rem;
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 1.25rem;
  box-shadow: 0 4px 20px rgba(0,119,255,0.4);
}

.step-title { font-size: 0.95rem; font-weight: 700; margin-bottom: 0.5rem; }
.step-text { font-size: 0.82rem; color: var(--text-secondary); line-height: 1.6; }

/* ============================================================
   TIMELINE
   ============================================================ */
.timeline { position: relative; padding-left: 2.5rem; }

.timeline::before {
  content: '';
  position: absolute;
  left: 0; top: 0; bottom: 0;
  width: 2px;
  background: linear-gradient(to bottom, var(--accent-1), var(--accent-2), transparent);
}

.timeline-item {
  position: relative;
  padding-bottom: 2.5rem;
}

.timeline-item::before {
  content: '';
  position: absolute;
  left: -2.5rem;
  top: 4px;
  width: 12px; height: 12px;
  border-radius: 50%;
  background: var(--accent-1);
  border: 2px solid var(--bg-primary);
  box-shadow: 0 0 10px rgba(0,119,255,0.5);
}

.timeline-year {
  font-size: 0.78rem;
  font-weight: 700;
  color: var(--accent-2);
  text-transform: uppercase;
  letter-spacing: 1px;
  margin-bottom: 0.4rem;
}

.timeline-title { font-size: 1.05rem; font-weight: 700; margin-bottom: 0.4rem; }
.timeline-text  { font-size: 0.88rem; color: var(--text-secondary); line-height: 1.65; }

/* ============================================================
   ACCORDION / FAQ
   ============================================================ */
.faq-item {
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  margin-bottom: 0.75rem;
  overflow: hidden;
  transition: var(--transition);
}

.faq-item.open { border-color: rgba(0,119,255,0.3); }

.faq-question {
  padding: 1.25rem 1.5rem;
  background: var(--bg-card);
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-weight: 600;
  font-size: 0.95rem;
  transition: var(--transition);
}

.faq-question:hover { background: rgba(0,119,255,0.08); color: var(--accent-2); }

.faq-chevron {
  flex-shrink: 0;
  width: 20px; height: 20px;
  border-radius: 50%;
  background: rgba(0,119,255,0.15);
  display: flex; align-items: center; justify-content: center;
  font-size: 0.6rem;
  transition: transform 0.3s ease;
}

.faq-item.open .faq-chevron { transform: rotate(180deg); }

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.4s ease, padding 0.3s ease;
  padding: 0 1.5rem;
  color: var(--text-secondary);
  font-size: 0.9rem;
  line-height: 1.75;
  background: var(--bg-card-2);
}

.faq-item.open .faq-answer {
  max-height: 400px;
  padding: 1.25rem 1.5rem;
}

/* ============================================================
   TABLE
   ============================================================ */
.data-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.9rem;
}

.data-table th {
  background: rgba(0,119,255,0.1);
  padding: 1rem 1.25rem;
  text-align: left;
  font-size: 0.78rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 1px;
  color: var(--accent-2);
  border-bottom: 1px solid var(--border);
}

.data-table td {
  padding: 1rem 1.25rem;
  border-bottom: 1px solid rgba(0,200,255,0.06);
  color: var(--text-secondary);
  vertical-align: middle;
}

.data-table tr:hover td { background: rgba(0,119,255,0.04); }

.badge {
  display: inline-block;
  padding: 3px 10px;
  border-radius: 50px;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.3px;
}

.badge-green  { background: rgba(0,230,118,0.15); color: var(--success);     border: 1px solid rgba(0,230,118,0.2); }
.badge-blue   { background: rgba(0,119,255,0.15); color: var(--accent-2);    border: 1px solid rgba(0,119,255,0.2); }
.badge-gold   { background: rgba(240,180,41,0.15); color: var(--accent-gold); border: 1px solid rgba(240,180,41,0.2); }
.badge-red    { background: rgba(255,56,96,0.12);  color: var(--accent-red);  border: 1px solid rgba(255,56,96,0.2);  }

/* ============================================================
   CTA BANNER
   ============================================================ */
.cta-banner {
  position: relative;
  padding: 80px 2rem;
  background: linear-gradient(135deg, rgba(0,119,255,0.12), rgba(0,200,255,0.06));
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
  text-align: center;
  overflow: hidden;
}

.cta-banner::before {
  content: '';
  position: absolute;
  top: -50%; left: 50%;
  transform: translateX(-50%);
  width: 600px; height: 600px;
  background: radial-gradient(circle, rgba(0,119,255,0.12), transparent 70%);
  pointer-events: none;
}

.cta-title { font-size: clamp(1.8rem, 3.5vw, 2.5rem); font-weight: 800; margin-bottom: 1rem; line-height: 1.2; }
.cta-text  { color: var(--text-secondary); font-size: 1rem; max-width: 540px; margin: 0 auto 2rem; line-height: 1.7; }
.cta-actions { display: flex; gap: 1rem; justify-content: center; flex-wrap: wrap; }

/* ============================================================
   FOOTER
   ============================================================ */
.site-footer {
  background: var(--bg-secondary);
  border-top: 1px solid var(--border);
  padding: 80px 2rem 0;
}

.footer-grid {
  max-width: 1280px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr 1fr;
  gap: 3rem;
  padding-bottom: 4rem;
}

.footer-brand .logo { margin-bottom: 1.25rem; }

.footer-desc {
  font-size: 0.875rem;
  color: var(--text-secondary);
  line-height: 1.75;
  margin-bottom: 1.5rem;
  max-width: 300px;
}

.social-links { display: flex; gap: 0.75rem; }

.social-link {
  width: 36px; height: 36px;
  border-radius: 8px;
  background: rgba(0,119,255,0.1);
  border: 1px solid var(--border);
  display: flex; align-items: center; justify-content: center;
  font-size: 0.85rem;
  color: var(--text-secondary);
  transition: var(--transition);
}

.social-link:hover {
  background: var(--accent-1);
  border-color: var(--accent-1);
  color: #fff;
  transform: translateY(-2px);
}

.footer-col-title {
  font-size: 0.78rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 1.5px;
  color: var(--text-primary);
  margin-bottom: 1.25rem;
}

.footer-links { list-style: none; }
.footer-links li { margin-bottom: 0.75rem; }
.footer-links a {
  font-size: 0.875rem;
  color: var(--text-secondary);
  transition: var(--transition);
}
.footer-links a:hover { color: var(--accent-2); padding-left: 4px; }

.footer-bottom {
  max-width: 1280px;
  margin: 0 auto;
  padding: 1.5rem 0;
  border-top: 1px solid var(--border);
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 1rem;
}

.footer-copy { font-size: 0.8rem; color: var(--text-secondary); }

.footer-legal { display: flex; gap: 1.5rem; }
.footer-legal a { font-size: 0.8rem; color: var(--text-secondary); }
.footer-legal a:hover { color: var(--accent-2); }

/* ============================================================
   NEWSLETTER / SUBSCRIBE
   ============================================================ */
.newsletter-form {
  display: flex;
  gap: 0.75rem;
  max-width: 460px;
}

.newsletter-form input {
  flex: 1;
  padding: 0.8rem 1.1rem;
  background: rgba(0,0,0,0.3);
  border: 1px solid var(--border);
  border-radius: 50px;
  color: var(--text-primary);
  font-size: 0.9rem;
  outline: none;
  transition: var(--transition);
}

.newsletter-form input:focus {
  border-color: var(--accent-1);
  box-shadow: 0 0 0 3px rgba(0,119,255,0.15);
}

/* ============================================================
   TEAM / PEOPLE CARDS
   ============================================================ */
.team-card {
  background: var(--gradient-card);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  transition: var(--transition);
  text-align: center;
}

.team-card:hover {
  transform: translateY(-6px);
  border-color: rgba(0,200,255,0.3);
  box-shadow: 0 20px 50px rgba(0,0,0,0.4);
}

.team-img {
  width: 100%; height: 220px;
  object-fit: cover;
  filter: grayscale(20%);
  transition: var(--transition);
}

.team-card:hover .team-img { filter: grayscale(0); }

.team-info { padding: 1.5rem; }
.team-name { font-size: 1rem; font-weight: 700; margin-bottom: 0.25rem; }
.team-role { font-size: 0.8rem; color: var(--accent-2); font-weight: 500; margin-bottom: 1rem; }
.team-bio  { font-size: 0.83rem; color: var(--text-secondary); line-height: 1.6; }

.team-avatar-placeholder {
  width: 100%; height: 220px;
  background: linear-gradient(135deg, var(--bg-card), var(--accent-1));
  display: flex; align-items: center; justify-content: center;
  font-size: 3.5rem;
  font-weight: 800;
  color: rgba(255,255,255,0.2);
}

/* ============================================================
   BLOG CARDS
   ============================================================ */
.blog-card {
  background: var(--gradient-card);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  transition: var(--transition);
}

.blog-card:hover {
  transform: translateY(-5px);
  border-color: rgba(0,200,255,0.3);
  box-shadow: var(--shadow-card);
}

.blog-card-img {
  height: 200px;
  overflow: hidden;
}

.blog-card-img img {
  width: 100%; height: 100%;
  object-fit: cover;
  transition: transform 0.5s ease;
}

.blog-card:hover .blog-card-img img { transform: scale(1.06); }

.blog-card-body { padding: 1.5rem; }

.blog-meta {
  display: flex;
  gap: 1rem;
  align-items: center;
  margin-bottom: 0.75rem;
  font-size: 0.78rem;
  color: var(--text-secondary);
}

.blog-cat {
  background: rgba(0,119,255,0.15);
  color: var(--accent-2);
  padding: 3px 10px;
  border-radius: 50px;
  font-weight: 600;
  font-size: 0.72rem;
}

.blog-title {
  font-size: 1rem;
  font-weight: 700;
  margin-bottom: 0.6rem;
  line-height: 1.4;
  transition: var(--transition);
}

.blog-card:hover .blog-title { color: var(--accent-2); }

.blog-excerpt { font-size: 0.85rem; color: var(--text-secondary); line-height: 1.65; }

/* ============================================================
   FLOATING ELEMENTS / CHIPS
   ============================================================ */
.chip {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 0.4rem 0.85rem;
  border-radius: 50px;
  font-size: 0.78rem;
  font-weight: 600;
  background: rgba(0,119,255,0.1);
  border: 1px solid rgba(0,119,255,0.2);
  color: var(--accent-2);
}

.chip.gold { background: rgba(240,180,41,0.1); border-color: rgba(240,180,41,0.2); color: var(--accent-gold); }
.chip.green { background: rgba(0,230,118,0.1); border-color: rgba(0,230,118,0.2); color: var(--success); }

/* Progress bar */
.progress-bar {
  height: 6px;
  background: rgba(0,119,255,0.12);
  border-radius: 3px;
  overflow: hidden;
}

.progress-fill {
  height: 100%;
  background: var(--gradient-accent);
  border-radius: 3px;
  transition: width 1s ease;
}

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

@keyframes fadeInDown {
  from { opacity: 0; transform: translateY(-20px); }
  to   { opacity: 1; transform: translateY(0); }
}

@keyframes fadeInLeft {
  from { opacity: 0; transform: translateX(-30px); }
  to   { opacity: 1; transform: translateX(0); }
}

@keyframes fadeInRight {
  from { opacity: 0; transform: translateX(30px); }
  to   { opacity: 1; transform: translateX(0); }
}

@keyframes fadeIn {
  from { opacity: 0; }
  to   { opacity: 1; }
}

@keyframes pulse {
  0%, 100% { opacity: 1; transform: scale(1); }
  50%       { opacity: 0.6; transform: scale(1.5); }
}

@keyframes float {
  0%, 100% { transform: translateY(0); }
  50%       { transform: translateY(-12px); }
}

@keyframes shimmer {
  0%   { background-position: -200% 0; }
  100% { background-position:  200% 0; }
}

@keyframes rotate {
  from { transform: rotate(0deg); }
  to   { transform: rotate(360deg); }
}

@keyframes scaleIn {
  from { opacity: 0; transform: scale(0.9); }
  to   { opacity: 1; transform: scale(1); }
}

/* Scroll-triggered */
.animate-on-scroll {
  opacity: 0;
  transform: translateY(30px);
  transition: opacity 0.6s ease, transform 0.6s ease;
}

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

/* Stagger */
.stagger-1 { transition-delay: 0.1s; }
.stagger-2 { transition-delay: 0.2s; }
.stagger-3 { transition-delay: 0.3s; }
.stagger-4 { transition-delay: 0.4s; }
.stagger-5 { transition-delay: 0.5s; }

/* Floating animation utility */
.float-anim { animation: float 4s ease-in-out infinite; }

/* ============================================================
   UTILITY CLASSES
   ============================================================ */
.text-center { text-align: center; }
.text-left   { text-align: left; }
.text-right  { text-align: right; }
.text-gradient { background: var(--gradient-accent); -webkit-background-clip: text; -webkit-text-fill-color: transparent; background-clip: text; }
.text-gold { background: var(--gradient-gold); -webkit-background-clip: text; -webkit-text-fill-color: transparent; background-clip: text; }
.text-muted { color: var(--text-secondary); }
.text-success { color: var(--success); }
.text-accent  { color: var(--accent-2); }
.fw-700 { font-weight: 700; }
.fw-800 { font-weight: 800; }
.mb-1 { margin-bottom: 0.5rem; }
.mb-2 { margin-bottom: 1rem; }
.mb-3 { margin-bottom: 1.5rem; }
.mb-4 { margin-bottom: 2rem; }
.mt-2 { margin-top: 1rem; }
.mt-4 { margin-top: 2rem; }
.gap-1 { gap: 0.5rem; }
.gap-2 { gap: 1rem; }
.d-flex { display: flex; }
.align-center { align-items: center; }
.justify-between { justify-content: space-between; }
.flex-wrap { flex-wrap: wrap; }
.w-100 { width: 100%; }
.rounded { border-radius: var(--radius-md); }
.overflow-hidden { overflow: hidden; }
.divider { height: 1px; background: var(--border); margin: 2rem 0; }
.glass {
  background: rgba(17,29,74,0.6);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  border: 1px solid var(--border);
}

/* Number counter styling */
.counter-wrap {
  display: flex;
  gap: 2rem;
  flex-wrap: wrap;
  margin-top: 2rem;
}
.counter-item {}
.counter-num {
  font-size: 2.2rem;
  font-weight: 900;
  background: var(--gradient-accent);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
  line-height: 1;
}
.counter-label { font-size: 0.8rem; color: var(--text-secondary); margin-top: 2px; }

/* ============================================================
   PAGE SPECIFIC OVERRIDES
   ============================================================ */
/* Crypto ticker */
.ticker-bar {
  background: var(--bg-secondary);
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
  padding: 0.75rem 0;
  overflow: hidden;
}

.ticker-inner {
  display: flex;
  gap: 3rem;
  animation: tickerScroll 30s linear infinite;
  white-space: nowrap;
}

.ticker-item {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 0.85rem;
}

.ticker-sym { font-weight: 700; color: var(--text-primary); }
.ticker-price { color: var(--text-secondary); }
.ticker-change.up   { color: var(--success); }
.ticker-change.down { color: var(--accent-red); }

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

/* Loan calculator */
.calc-box {
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 2rem;
}

.calc-result {
  background: rgba(0,119,255,0.08);
  border: 1px solid rgba(0,119,255,0.2);
  border-radius: var(--radius-md);
  padding: 1.5rem;
  margin-top: 1.5rem;
  text-align: center;
}

.calc-result-num {
  font-size: 2.8rem;
  font-weight: 900;
  background: var(--gradient-accent);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
  line-height: 1;
}

/* range input */
input[type="range"] {
  width: 100%;
  height: 4px;
  background: var(--border);
  border-radius: 2px;
  outline: none;
  cursor: pointer;
  appearance: none;
  margin: 0.75rem 0;
}

input[type="range"]::-webkit-slider-thumb {
  appearance: none;
  width: 18px; height: 18px;
  border-radius: 50%;
  background: var(--accent-1);
  box-shadow: 0 2px 8px rgba(0,119,255,0.4);
  cursor: pointer;
  transition: var(--transition);
}

input[type="range"]::-webkit-slider-thumb:hover { transform: scale(1.2); }

/* Map placeholder */
.map-placeholder {
  width: 100%;
  height: 400px;
  border-radius: var(--radius-lg);
  overflow: hidden;
  position: relative;
  background: linear-gradient(135deg, #0d1b3e, #0f3460);
  border: 1px solid var(--border);
  display: flex; align-items: center; justify-content: center;
}

.map-grid {
  position: absolute; inset: 0;
  background-image:
    linear-gradient(rgba(0,119,255,0.07) 1px, transparent 1px),
    linear-gradient(90deg, rgba(0,119,255,0.07) 1px, transparent 1px);
  background-size: 40px 40px;
}

.map-pin {
  position: relative;
  z-index: 1;
  text-align: center;
}

.map-pin-icon {
  font-size: 3rem;
  animation: float 3s ease-in-out infinite;
  display: block;
  margin-bottom: 0.5rem;
}

/* ============================================================
   RESPONSIVE / MOBILE FIRST
   ============================================================ */
@media (max-width: 1100px) {
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .steps-grid { grid-template-columns: repeat(2, 1fr); }
  .steps-grid::before { display: none; }
  .footer-grid { grid-template-columns: 1fr 1fr 1fr; }
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 900px) {
  .main-nav { display: none; }
  .hamburger { display: flex; }
  .hero-grid { grid-template-columns: 1fr; gap: 3rem; }
  .hero-visual { order: -1; }
  .img-section { grid-template-columns: 1fr; gap: 2.5rem; }
  .img-section.reverse { direction: ltr; }
  .grid-3 { grid-template-columns: repeat(2, 1fr); }
  .grid-2 { grid-template-columns: 1fr; gap: 1.5rem; }
}

@media (max-width: 640px) {
  .section { padding: 70px 1.25rem; }
  .hero { padding: 110px 1.25rem 70px; }
  .hero-sub { padding: 120px 1.25rem 60px; }
  .hero-actions { flex-direction: column; }
  .hero-actions .btn { width: 100%; justify-content: center; }
  .grid-3 { grid-template-columns: 1fr; }
  .grid-4 { grid-template-columns: 1fr; }
  .steps-grid { grid-template-columns: 1fr; }
  .stats-grid { grid-template-columns: 1fr 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .footer-bottom { flex-direction: column; text-align: center; }
  .footer-legal { flex-wrap: wrap; justify-content: center; }
  .hero-badge { font-size: 0.72rem; }
  .site-header { padding: 0 1.25rem; }
  .newsletter-form { flex-direction: column; }
  .cta-actions { flex-direction: column; align-items: center; }
  .hero-img-badge { flex-direction: column; gap: 1rem; }
  .plan-card { padding: 2rem 1.5rem; }
  .counter-wrap { gap: 1.5rem; }
}

@media (max-width: 420px) {
  .footer-grid { grid-template-columns: 1fr; }
  .stats-grid { grid-template-columns: 1fr; }
}