/*
Theme Name: Telepost Sacco
Theme URI: https://telepostsacco.co.ke
Author: Telepost Sacco
Author URI: https://telepostsacco.co.ke
Description: Official theme for Telepost Sacco - a dynamic, fully CMS-controlled website for Kenya's postal sector SACCO.
Version: 1.0.0
Requires at least: 6.0
Tested up to: 6.7
Requires PHP: 8.0
License: Proprietary
License URI: #
Text Domain: telepost
Tags: sacco, finance, custom-background, custom-logo, custom-menu, featured-images, threaded-comments, translation-ready
*/

/* =============================================
   CSS CUSTOM PROPERTIES  — Telepost Design System
   ============================================= */
:root {
  /* ---- Brand Colours ---- */
  --color-green:         #008000;   /* Telepost brand green */
  --color-green-dark:    #008000;   /* hover / dark green (now same as normal green) */
  --color-green-light:   #009900;   /* lighter green tint */
  --color-yellow:        #fff503;   /* Telepost brand yellow */
  --color-yellow-dark:   #e6dc00;   /* yellow hover */
  --color-red:           #ff0000;   /* Telepost accent red — use sparingly */
  --color-red-dark:      #cc0000;   /* red hover */
  --color-navy:          #0a1628;   /* deep navy overlay / dark bg */
  --color-footer-bg:     #111111;   /* footer background — near black */

  /* Semantic aliases */
  --color-primary:       var(--color-green);
  --color-primary-dark:  var(--color-green-dark);
  --color-primary-light: var(--color-green-light);
  --color-secondary:     var(--color-yellow);
  --color-secondary-dark:var(--color-yellow-dark);
  --color-accent:        var(--color-red);
  --color-accent-dark:   var(--color-red-dark);

  /* ---- Neutrals ---- */
  --color-white:      #ffffff;
  --color-off-white:  #f7f8f5;
  --color-light-gray: #e8ebe4;
  --color-mid-gray:   #a8b2a0;
  --color-dark-gray:  #4a5240;
  --color-text:       #1a1f17;
  --color-text-muted: #6b7260;
  --color-border:     #dde3d8;
  --color-danger:     #ff0000;
  --color-success:    #198754;

  /* ---- Typography ---- */
  --font-display:  'Montserrat', 'Segoe UI', Arial, sans-serif;   /* h1, h2, nav, hero — main headings */
  --font-heading:  'Montserrat', 'Segoe UI', Arial, sans-serif;   /* h3-h5, labels, buttons */
  --font-sans:     'Nunito Sans', 'Segoe UI', Arial, sans-serif;  /* body, paragraphs, submenus */

  --font-size-xs:   0.75rem;    /*  12px */
  --font-size-sm:   0.875rem;   /*  14px */
  --font-size-base: 1rem;       /*  16px */
  --font-size-md:   1.125rem;   /*  18px */
  --font-size-lg:   1.25rem;    /*  20px */
  --font-size-xl:   1.5rem;     /*  24px */
  --font-size-2xl:  2rem;       /*  32px */
  --font-size-3xl:  2.5rem;     /*  40px */
  --font-size-4xl:  3rem;       /*  48px */
  --font-size-5xl:  3.75rem;    /*  60px */

  /* ---- Shadows ---- */
  --shadow-sm:  0 1px 3px rgba(0,0,0,0.08);
  --shadow-md:  0 4px 16px rgba(0,0,0,0.10);
  --shadow-lg:  0 8px 32px rgba(0,0,0,0.12);
  --shadow-xl:  0 16px 48px rgba(0,0,0,0.15);
  --shadow-green: 0 8px 24px rgba(0,128,0,0.25);

  /* ---- Radii ---- */
  --radius-sm:   4px;
  --radius-md:   8px;
  --radius-lg:   16px;
  --radius-xl:   24px;
  --radius-full: 9999px;

  /* ---- Motion ---- */
  --transition:      0.22s ease;
  --transition-slow: 0.4s ease;

  /* ---- Layout ---- */
  --container-max:   1200px;
  --container-wide:  1400px;
  --section-padding: 90px 0;

  /* Topbar tokens (kept for clarity) */
  --topbar-green:      var(--color-green);
  --topbar-green-dark: var(--color-green);
}

/* =============================================
   RESET & BASE
   ============================================= */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
  font-family: var(--font-sans);
  color: var(--color-text);
  background: var(--color-white);
  line-height: 1.6;
  overflow-x: hidden;
}
img { max-width: 100%; height: auto; display: block; }
a { color: var(--color-green); text-decoration: none; transition: color var(--transition); }
a:hover { color: var(--color-green-dark); }
ul { list-style: none; }
button, input, select, textarea { font-family: inherit; }

/* =============================================
   TYPOGRAPHY
   ============================================= */
h1, h2, h3, h4, h5, h6 {
  font-weight: 700;
  line-height: 1.2;
  color: var(--color-primary-dark);
}
h1 { font-family: var(--font-display); font-size: clamp(2rem, 4vw, var(--font-size-4xl)); }
h2 { font-family: var(--font-display); font-size: clamp(1.6rem, 3vw, var(--font-size-3xl)); }
h3 { font-family: var(--font-heading); font-size: clamp(1.25rem, 2vw, var(--font-size-2xl)); letter-spacing: 0.04em; }
h4 { font-family: var(--font-heading); font-size: var(--font-size-xl); letter-spacing: 0.04em; }
h5 { font-family: var(--font-heading); font-size: var(--font-size-lg); letter-spacing: 0.03em; }
h6 { font-family: var(--font-sans);    font-size: var(--font-size-md); font-weight: 600; }
p { margin-bottom: 1rem; color: var(--color-dark-gray); }
p:last-child { margin-bottom: 0; }

/* =============================================
   LAYOUT
   ============================================= */
.container {
  max-width: var(--container-max);
  margin: 0 auto;
  padding: 0 20px;
}
.container-wide { max-width: 1400px; margin: 0 auto; padding: 0 20px; }
.section { padding: var(--section-padding); }
.section-sm { padding: 48px 0; }
.section-lg { padding: 120px 0; }

.grid { display: grid; }
.grid-2 { grid-template-columns: repeat(2, 1fr); gap: 32px; }
.grid-3 { grid-template-columns: repeat(3, 1fr); gap: 32px; }
.grid-4 { grid-template-columns: repeat(4, 1fr); gap: 24px; }

/* =============================================
   SECTION HEADERS
   ============================================= */
.section-header { text-align: center; margin-bottom: 56px; }
.section-header .section-tag {
  display: inline-block;
  background: rgba(0, 128, 0, 0.09);
  color: var(--color-green);
  font-family: var(--font-sans);
  font-size: var(--font-size-sm);
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  padding: 5px 18px;
  border-radius: var(--radius-full);
  border: 1px solid rgba(0, 128, 0, 0.2);
  margin-bottom: 12px;
}
.section-header h2 { color: var(--color-primary-dark); margin-bottom: 16px; }
.section-header p { max-width: 600px; margin: 0 auto; color: var(--color-text-muted); font-size: var(--font-size-md); }
.section-divider {
  width: 60px; height: 4px;
  background: linear-gradient(90deg, var(--color-green), var(--color-yellow));
  border-radius: var(--radius-full);
  margin: 16px auto 0;
}

/* =============================================
   BUTTONS
   ============================================= */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  padding: 12px 28px;
  font-family: var(--font-sans);
  font-size: var(--font-size-base);
  font-weight: 700;
  letter-spacing: 0.04em;
  border-radius: 6px;
  border: 2px solid transparent;
  cursor: pointer;
  transition: all var(--transition);
  text-decoration: none;
  white-space: nowrap;
}
.btn-primary {
  background: var(--color-green);
  color: var(--color-white);
  border-color: var(--color-green);
}
.btn-primary:hover {
  background: var(--color-green-dark);
  border-color: var(--color-green-dark);
  color: var(--color-white);
  transform: translateY(-2px);
  box-shadow: var(--shadow-green);
}
.btn-outline {
  background: transparent;
  color: var(--color-white);
  border-color: var(--color-white);
}
.btn-outline:hover {
  background: var(--color-white);
  color: var(--color-primary);
  transform: translateY(-2px);
}
.btn-outline-primary {
  background: transparent;
  color: var(--color-green);
  border-color: var(--color-green);
}
.btn-outline-primary:hover {
  background: var(--color-green);
  color: var(--color-white);
  transform: translateY(-2px);
}
.btn-yellow {
  background: var(--color-yellow);
  color: var(--color-text);
  border-color: var(--color-yellow);
}
.btn-yellow:hover {
  background: var(--color-yellow-dark);
  border-color: var(--color-yellow-dark);
  transform: translateY(-2px);
  box-shadow: var(--shadow-md);
}
.btn-lg { padding: 16px 36px; font-size: var(--font-size-md); }
.btn-sm { padding: 8px 18px; font-size: var(--font-size-sm); }
.btn-icon { padding: 10px; border-radius: var(--radius-full); }

/* =============================================
   CARDS
   ============================================= */
.card {
  background: var(--color-white);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-sm);
  overflow: hidden;
  transition: box-shadow var(--transition), transform var(--transition);
  border: 1px solid var(--color-border);
}
.card:hover { box-shadow: var(--shadow-lg); transform: translateY(-4px); }
.card-body { padding: 28px; }
.card-img { width: 100%; aspect-ratio: 16/9; object-fit: cover; }

/* =============================================
   FOOTER
   ============================================= */
.site-footer {
  background: var(--color-footer-bg);
  color: #fff;
}

/* Floating WhatsApp Button */
.floating-whatsapp {
  position: fixed;
  bottom: 24px;
  left: 24px;
  width: 60px;
  height: 60px;
  background-color: #25d366;
  color: #fff;
  border-radius: 50px;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 4px 12px rgba(37, 211, 102, 0.4);
  z-index: 999;
  transition: transform 0.3s ease, box-shadow 0.3s ease;
}
.floating-whatsapp:hover {
  transform: translateY(-4px) scale(1.05);
  box-shadow: 0 6px 16px rgba(37, 211, 102, 0.6);
  color: #fff;
}
.floating-whatsapp svg {
  width: 32px;
  height: 32px;
}

@media (max-width: 768px) {
  .floating-whatsapp {
    width: 50px;
    height: 50px;
    bottom: 20px;
    left: 20px;
  }
  .floating-whatsapp svg {
    width: 26px;
    height: 26px;
  }
}

/* =============================================
   TOP BAR
   ============================================= */
.topbar {
  background: var(--topbar-green);
  color: rgba(255,255,255,0.92);
  font-size: 12.5px;
  font-weight: 500;
  padding: 7px 0;
  letter-spacing: 0.01em;
}
.topbar-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
}

/* Left side */
.topbar-left {
  display: flex;
  align-items: center;
  gap: 0;
}
.topbar-item {
  display: flex;
  align-items: center;
  gap: 6px;
  color: rgba(255,255,255,0.92);
  text-decoration: none;
  transition: color var(--transition);
}
.topbar-item:hover { color: var(--color-white); }
.topbar-item svg { flex-shrink: 0; opacity: 0.85; }
.topbar-sep {
  color: rgba(255,255,255,0.35);
  margin: 0 14px;
  font-weight: 300;
  font-size: 15px;
}

/* Right side */
.topbar-right {
  display: flex;
  align-items: center;
  gap: 10px;
}
.topbar-hours {
  font-size: 12px;
  font-weight: 700;
  color: var(--color-secondary);
  letter-spacing: 0.04em;
  margin-right: 4px;
}
.topbar-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 5px 16px;
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.04em;
  border-radius: 3px;
  text-decoration: none;
  transition: all var(--transition);
  white-space: nowrap;
  text-transform: uppercase;
}
.topbar-btn-join {
  background: var(--color-secondary);
  color: var(--color-primary-dark);
  border: 2px solid var(--color-secondary);
}
.topbar-btn-join:hover {
  background: var(--color-secondary-dark);
  border-color: var(--color-secondary-dark);
  color: var(--color-white);
}
.topbar-btn-app {
  background: var(--color-secondary);
  color: var(--color-primary-dark);
  border: 2px solid var(--color-secondary);
}
.topbar-btn-app:hover {
  background: var(--color-secondary-dark);
  border-color: var(--color-secondary-dark);
  color: var(--color-white);
}

/* =============================================
   HEADER / NAVIGATION
   ============================================= */
.site-header {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: var(--color-white);
  box-shadow: 0 2px 8px rgba(0,0,0,0.10);
  transition: box-shadow var(--transition);
}
.site-header.scrolled { box-shadow: 0 4px 20px rgba(0,0,0,0.14); }

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 10px 0;
  gap: 20px;
}

/* Logo */
.site-logo {
  display: flex;
  align-items: center;
  text-decoration: none;
  flex-shrink: 0;
}
.header-logo-img {
  height: 68px;
  width: auto;
  display: block;
}

/* Nav wrapper – centred between logo and actions */
.main-nav-wrap {
  flex: 1;
  display: flex;
  justify-content: center;
}
.main-nav {
  display: flex;
  align-items: center;
  gap: 0;
  list-style: none;
  margin: 0;
  padding: 0;
}
.main-nav > li { position: relative; }
.main-nav > li > a {
  display: flex;
  align-items: center;
  gap: 4px;
  padding: 10px 13px;
  font-family: var(--font-heading);
  font-size: 12px;
  font-weight: 700;
  color: #1a1a1a;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  white-space: nowrap;
  transition: color var(--transition);
  text-decoration: none;
}
.main-nav > li > a:hover,
.main-nav > li.current-menu-item > a,
.main-nav > li.current-menu-ancestor > a {
  color: var(--topbar-green);
}
.main-nav > li > a .nav-arrow {
  font-size: 9px;
  opacity: 0.6;
  transition: transform var(--transition);
}
.main-nav > li:hover > a .nav-arrow { transform: rotate(180deg); }

/* Dropdown */
.main-nav .sub-menu {
  position: absolute;
  top: calc(100% + 2px);
  left: 0;
  background: var(--color-white);
  min-width: 220px;
  border-radius: 0 0 var(--radius-md) var(--radius-md);
  box-shadow: 0 8px 24px rgba(0,0,0,0.13);
  border-top: 3px solid var(--topbar-green);
  opacity: 0;
  visibility: hidden;
  transform: translateY(-6px);
  transition: all var(--transition);
  padding: 6px 0;
  z-index: 200;
  list-style: none;
}
.main-nav > li:hover .sub-menu {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}
.main-nav .sub-menu li a {
  display: block;
  padding: 10px 20px;
  font-family: var(--font-sans);
  font-size: var(--font-size-sm);
  font-weight: 500;
  color: #333;
  transition: all var(--transition);
  text-transform: none;
  letter-spacing: 0.01em;
}
.main-nav .sub-menu li a:hover {
  color: var(--topbar-green);
  background: #f5f9f5;
  padding-left: 26px;
}

/* Header right actions */
.header-actions {
  display: flex;
  align-items: center;
  gap: 8px;
  flex-shrink: 0;
}
.header-search-btn {
  background: none;
  border: none;
  cursor: pointer;
  color: #333;
  width: 36px;
  height: 36px;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: var(--radius-full);
  transition: all var(--transition);
}
.header-search-btn:hover {
  background: rgba(0, 128, 0, 0.08);
  color: var(--topbar-green);
}

/* Search overlay */
.header-search-overlay {
  display: none;
  position: absolute;
  top: 100%;
  left: 0;
  width: 100%;
  background: var(--color-white);
  border-top: 1px solid var(--color-border);
  box-shadow: 0 8px 24px rgba(0,0,0,0.12);
  z-index: 500;
  padding: 16px 0;
}
.header-search-overlay.active { display: block; }
.header-search-form {
  display: flex;
  align-items: center;
  gap: 0;
  border: 2px solid var(--topbar-green);
  border-radius: var(--radius-md);
  overflow: hidden;
  max-width: 600px;
  margin: 0 auto;
}
.header-search-form input[type="search"] {
  flex: 1;
  border: none;
  outline: none;
  padding: 12px 16px;
  font-size: var(--font-size-base);
  background: transparent;
}
.header-search-form button[type="submit"] {
  background: var(--topbar-green);
  border: none;
  color: white;
  padding: 12px 16px;
  cursor: pointer;
  display: flex;
  align-items: center;
  transition: background var(--transition);
}
.header-search-form button[type="submit"]:hover { background: var(--topbar-green-dark); }
.header-search-form .search-close {
  background: none;
  border: none;
  border-left: 1px solid var(--color-border);
  font-size: 22px;
  line-height: 1;
  padding: 8px 14px;
  cursor: pointer;
  color: var(--color-text-muted);
  transition: color var(--transition);
}
.header-search-form .search-close:hover { color: var(--color-danger); }

/* Mobile hamburger */
.mobile-menu-btn {
  display: none;
  background: none;
  border: none;
  cursor: pointer;
  flex-direction: column;
  gap: 5px;
  padding: 4px;
}
.mobile-menu-btn span {
  display: block;
  width: 24px;
  height: 2px;
  background: #1a1a1a;
  border-radius: 2px;
  transition: all var(--transition);
}

/* =============================================
   HERO SLIDER
   ============================================= */
.hero-slider {
  position: relative;
  overflow: hidden;
  background: #111;
  height: 680px; /* Fixed height for consistent slide sizing */
}

/* ---- Slides wrapper ---- */
.hero-slides { position: relative; width: 100%; height: 100%; }

.hero-slide {
  position: absolute; inset: 0;
  display: flex; align-items: center;
  height: 100%;
  opacity: 0;
  pointer-events: none;
  transition: opacity 0.8s ease-in-out, visibility 0s 0.8s;
  visibility: hidden;
  z-index: 0;
}
.hero-slide.active {
  opacity: 1;
  pointer-events: auto;
  visibility: visible;
  z-index: 1;
  transition: opacity 0.8s ease-in-out, visibility 0s 0s;
}

/* ---- Background ---- */
.hero-slide-bg {
  position: absolute; inset: 0;
  background-size: cover;
  background-position: center;
  background-color: #222;
  z-index: 0;
}
.hero-slide-overlay {
  position: absolute; inset: 0;
  background: rgba(0,0,0,0.15);
  z-index: 1;
}

/* ---- Content wrapper: center vs left ---- */
.hero-slide-content {
  position: relative; z-index: 2;
  width: 100%;
  padding: 100px 0 160px; /* Increased bottom padding to 160px */
}
.hero-slide--center .hero-slide-content { text-align: center; }
.hero-slide--left   .hero-slide-content { text-align: left; max-width: 640px; }

/* ---- Badge: solid yellow, black text ---- */
.hero-badge {
  display: inline-block;
  background: var(--color-yellow);
  color: #000;
  font-family: 'Montserrat', sans-serif;
  font-size: 11px;
  font-weight: 800;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  padding: 6px 16px;
  border-radius: 0;
  margin-bottom: 20px;
}

/* ---- Title: massive bold white ---- */
.hero-title {
  font-family: 'Montserrat', sans-serif;
  font-size: clamp(3rem, 7vw, 5.5rem);
  font-weight: 800;
  color: #fff;
  line-height: 1.1;
  margin: 0 0 20px;
  text-transform: uppercase;
  letter-spacing: 0.01em;
}

/* ---- Highlighted text: solid red pill ---- */
.hero-highlighted {
  display: inline-block;
  background: var(--color-red);
  color: #fff;
  font-family: 'Montserrat', sans-serif;
  font-size: 13px;
  font-weight: 800;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  padding: 10px 28px;
  border-radius: var(--radius-full);
  margin-bottom: 28px;
}

/* ---- Description ---- */
.hero-desc {
  color: rgba(255,255,255,0.9);
  font-family: 'Nunito Sans', sans-serif;
  font-size: 20px;
  font-weight: 600;
  line-height: 1.75;
  margin-bottom: 32px;
  max-width: 520px;
}
.hero-slide--center .hero-desc { margin-left: auto; margin-right: auto; }

/* ---- CTA button: green pill ---- */
.hero-actions { margin-top: 4px; }
.hero-slide--center .hero-actions { display: flex; justify-content: center; }

.hero-btn {
  display: inline-block;
  background: var(--color-green);
  color: #fff;
  font-family: 'Montserrat', sans-serif;
  font-size: 13px;
  font-weight: 800;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  padding: 14px 40px;
  border-radius: var(--radius-full);
  border: 2px solid var(--color-green);
  transition: all var(--transition);
  text-decoration: none;
}
.hero-btn:hover {
  background: var(--color-green-dark);
  border-color: var(--color-green-dark);
  color: #fff;
}

/* ---- Arrow controls: simple white circles ---- */
.hero-arrow {
  position: absolute; top: 50%; transform: translateY(-50%);
  z-index: 20;
  width: 44px; height: 44px;
  border-radius: 50%;
  border: 2px solid rgba(255,255,255,0.6);
  background: transparent;
  color: #fff;
  display: flex; align-items: center; justify-content: center;
  cursor: pointer;
  transition: all var(--transition);
}
.hero-arrow:hover {
  background: rgba(255,255,255,0.15);
  border-color: #fff;
}
.hero-prev { left: 20px; }
.hero-next { right: 56px; }

/* ---- Dots ---- */
.hero-dots {
  position: absolute; bottom: 120px; left: 50%; transform: translateX(-50%);
  z-index: 10;
  display: flex; gap: 10px;
}

/* ---- Slide counter ---- */
.hero-counter {
  position: absolute; bottom: 120px; right: 32px;
  z-index: 10;
  display: flex; align-items: center; gap: 4px;
  font-size: var(--font-size-sm);
  color: rgba(255,255,255,0.55);
}

/* =============================================
   FIXED SOCIAL SIDEBAR
   ============================================= */
.fixed-social-sidebar {
  position: fixed;
  right: 0;
  top: 40%;
  transform: translateY(-50%);
  z-index: 9999;
  display: flex;
  flex-direction: column;
  gap: 8px;
  padding-right: 8px;
}

.fss-icon {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 44px;
  height: 44px;
  border-radius: 50%;
  color: #fff;
  text-decoration: none;
  transition: opacity 0.2s ease;
  box-shadow: 0 4px 12px rgba(0,0,0,0.15);
}
.fss-icon:hover {
  opacity: 0.9;
}

.fss-fb { background: #1877F2; }
.fss-x  { background: #000000; }
.fss-yt { background: #FF0000; }
.fss-ig {
  background: radial-gradient(circle at 30% 107%, #fdf497 0%, #fdf497 5%, #fd5949 45%, #d6249f 60%, #285AEB 90%);
}

@media (max-width: 768px) {
  .fixed-social-sidebar {
    top: auto;
    bottom: 20px;
    right: 20px;
    transform: none;
    flex-direction: row;
    gap: 12px;
    padding: 0;
  }
}

/* =============================================
   SERVICE CARDS (overlapping hero bottom)
   ============================================= */
.service-cards-section {
  background: var(--color-yellow);
  padding: 0 0 80px;
  position: relative;
  z-index: 5;
  margin-top: -20px; /* Entire yellow section overlaps hero slightly */
}

.service-cards-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
  /* Remove the negative margin from the grid so cards sit flush inside the yellow section */
}

/* Card base */
.svc-card {
  background: #fff;
  border-radius: 8px;
  padding: 50px 36px 36px;
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  border: 1px solid rgba(0,0,0,0.03);
  box-shadow: 0 4px 16px rgba(0,0,0,0.04);
  /* entrance animation */
  opacity: 0;
  transform: translateY(30px);
  transition: opacity 0.55s ease, transform 0.55s ease, box-shadow 0.35s ease;
  margin-top: -40px; /* Cards stick out above the yellow section slightly */
}
.svc-card.svc-card--visible {
  opacity: 1;
  transform: translateY(0);
}
.svc-card:nth-child(1) { transition-delay: 0s; }
.svc-card:nth-child(2) { transition-delay: 0.12s; }
.svc-card:nth-child(3) { transition-delay: 0.24s; }

.svc-card:hover {
  transform: translateY(-5px);
  box-shadow: 0 12px 32px rgba(0,0,0,0.08);
}

/* Icon wrap */
.svc-card-icon-wrap {
  position: relative;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 32px;
  width: 140px;
  height: 140px;
}

/* Subtle outer ring */
.svc-card-icon-ring {
  position: absolute;
  inset: 0;
  border-radius: 50%;
  border: 1px solid rgba(0,0,0,0.04);
}

/* Flat solid green circle — no gradient, no glow */
.svc-card-icon {
  width: 100px; height: 100px;
  border-radius: 50%;
  background: var(--color-green);
  display: flex; align-items: center; justify-content: center;
  position: relative;
  z-index: 2;
}

/* Red dots on the faint outer ring */
.svc-card-dot {
  position: absolute;
  width: 6px; height: 6px;
  border-radius: 50%;
  background: var(--color-red);
}
.svc-card-dot-left { bottom: 25px; left: 11px; }
.svc-card-dot-right { bottom: 11px; right: 25px; }

/* Title */
.svc-card-title {
  font-family: 'Montserrat', sans-serif;
  font-size: 16px;
  font-weight: 800;
  color: #1a2233;
  letter-spacing: 0.02em;
  text-transform: uppercase;
  margin: 0 0 20px;
  line-height: 1.4;
}

/* Description */
.svc-card-desc {
  font-family: 'Nunito Sans', sans-serif;
  font-size: 15px;
  font-weight: 400;
  color: #64748b;
  line-height: 1.7;
  margin: 0 0 36px;
  flex: 1;
}

/* Footer / READ MORE link */
.svc-card-footer {
  width: 100%;
  padding-top: 24px;
  border-top: 1px solid rgba(0,0,0,0.06);
}
.svc-card-link {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-family: 'Montserrat', sans-serif;
  font-size: 11px;
  font-weight: 800;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--color-green);
  text-decoration: none;
  transition: gap 0.2s ease, color 0.2s ease;
}
.svc-card-link:hover {
  color: var(--color-green-dark);
  gap: 12px;
}

/* Responsive */
@media (max-width: 900px) {
  .service-cards-grid {
    grid-template-columns: 1fr;
    max-width: 440px;
    margin: -50px auto 0;
  }
}
@media (max-width: 600px) {
  .service-cards-section { padding-bottom: 50px; }
  .svc-card { padding: 40px 24px 28px; }
  .svc-card-icon-wrap { width: 120px; height: 120px; margin-bottom: 24px; }
  .svc-card-icon { width: 84px; height: 84px; }
  .service-cards-grid { margin-top: -30px; }
}

/* =============================================
   WELCOME / ABOUT SECTION
   ============================================= */
.welcome-section {
  background: var(--color-white);
  padding: 100px 0;
}

.welcome-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: flex-start;
}

/* Titles */
.welcome-title-wrap {
  margin-bottom: 24px;
}
.welcome-title-line {
  display: flex;
  gap: 4px;
  margin-bottom: 12px;
}
.welcome-title-line span {
  height: 4px;
  border-radius: 2px;
}
.welcome-title-line .line-green {
  width: 40px;
  background: var(--color-green);
}
.welcome-title-line .line-red {
  width: 10px;
  background: var(--color-red);
}
.welcome-title {
  font-family: 'Montserrat', sans-serif;
  font-size: 26px;
  font-weight: 800;
  color: #1a2233;
  letter-spacing: -0.01em;
  text-transform: uppercase;
  margin: 0;
  line-height: 1.2;
}

/* Left: Video Card */
.welcome-video-card {
  position: relative;
  border-radius: 8px;
  overflow: hidden;
  box-shadow: 0 10px 40px rgba(0,0,0,0.15);
  aspect-ratio: 16/9;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
}
.welcome-video-bg {
  position: absolute; inset: 0;
  background-size: cover;
  background-position: center;
  z-index: 1;
}
.welcome-video-overlay {
  position: absolute; inset: 0;
  background: linear-gradient(to bottom, rgba(0,0,0,0.6) 0%, rgba(0,0,0,0.1) 40%, rgba(0,0,0,0.4) 80%, rgba(10,22,40,0.95) 100%);
  z-index: 2;
}
.welcome-video-header {
  position: relative; z-index: 3;
  padding: 20px;
  display: flex; align-items: center; gap: 12px;
  color: var(--color-white);
  font-family: var(--font-sans);
  font-weight: 600;
  font-size: var(--font-size-base);
}
.welcome-video-logo {
  width: 36px; height: 36px;
  border-radius: 50%;
  background: var(--color-white);
  padding: 4px;
  object-fit: contain;
}
.welcome-play-btn {
  position: absolute; top: 50%; left: 50%;
  transform: translate(-50%, -50%);
  z-index: 3;
  width: 72px; height: 72px;
  background: var(--color-red);
  color: var(--color-white);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  transition: transform 0.2s ease, background 0.2s ease;
}
.welcome-play-btn svg { width: 32px; height: 32px; margin-left: 4px; }
.welcome-play-btn:hover { transform: translate(-50%, -50%) scale(1.1); background: var(--color-red-dark); }

.welcome-video-footer {
  position: relative; z-index: 3;
  padding: 16px 20px;
  display: flex; align-items: center; justify-content: space-between;
  border-top: 1px solid rgba(255,255,255,0.1);
  font-family: var(--font-sans);
  font-size: var(--font-size-sm);
  color: var(--color-light-gray);
}
.welcome-watch-yt {
  color: var(--color-white);
  text-decoration: underline;
  text-underline-offset: 3px;
  font-weight: 600;
}
.welcome-watch-yt:hover { color: var(--color-yellow); }
.welcome-video-site { color: var(--color-green); font-weight: 600; }

/* Right: About Us */
.welcome-about-desc {
  font-family: var(--font-sans);
  font-size: var(--font-size-base);
  color: var(--color-text-muted);
  line-height: 1.75;
  margin-bottom: 32px;
}

.welcome-info-cards {
  display: flex;
  flex-direction: column;
  gap: 16px;
}
.welcome-info-card {
  background: var(--color-off-white);
  border: 1px solid var(--color-border);
  border-radius: 6px;
  padding: 24px;
  display: flex;
  align-items: flex-start;
  gap: 20px;
  box-shadow: 0 2px 8px rgba(0,0,0,0.02);
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}
.welcome-info-card:hover {
  transform: translateY(-2px);
  box-shadow: 0 6px 16px rgba(0,0,0,0.05);
}
.wic-icon {
  width: 52px; height: 52px;
  border-radius: 8px;
  background: var(--color-white);
  border: 1px solid var(--color-border);
  display: flex; align-items: center; justify-content: center;
  color: var(--color-green);
  flex-shrink: 0;
  box-shadow: 0 2px 6px rgba(0,0,0,0.02);
}
.wic-content h4 {
  font-family: var(--font-display);
  font-size: var(--font-size-md);
  font-weight: 800;
  color: var(--color-text);
  margin: 0 0 6px;
}
.wic-content p {
  font-family: var(--font-sans);
  font-size: var(--font-size-sm);
  color: var(--color-text-muted);
  margin: 0;
  line-height: 1.5;
}
.wic-link {
  color: var(--color-red);
  font-weight: 700;
  text-decoration: none;
  margin-left: 6px;
  font-size: var(--font-size-sm);
}
.wic-link:hover { text-decoration: underline; color: var(--color-red-dark); }

@media (max-width: 900px) {
  .welcome-grid { grid-template-columns: 1fr; gap: 40px; }
  .welcome-title { font-size: 24px; }
}
@media (max-width: 600px) {
  .welcome-section { padding: 60px 0; }
  .welcome-video-header { font-size: 14px; }
  .welcome-video-logo { width: 28px; height: 28px; }
  .welcome-play-btn { width: 56px; height: 56px; }
  .welcome-info-card { flex-direction: column; gap: 16px; padding: 20px; }
}

/* =============================================
   LOANS & SAVINGS SECTION
   ============================================= */
.loans-savings-section {
  background: var(--color-white);
  padding: 100px 0;
  overflow: hidden;
}

.ls-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
}

/* Titles */
.ls-title {
  font-family: var(--font-display);
  font-size: 26px; /* Match welcome-title exactly */
  font-weight: 800;
  color: #1a2233;
  letter-spacing: -0.01em;
  text-transform: uppercase;
  margin: 0 0 40px;
  line-height: 1.2;
}

/* Tabs */
.ls-tabs {
  display: flex;
  gap: 16px;
  margin-bottom: 40px;
  background: var(--color-off-white);
  padding: 8px;
  border-radius: 6px;
  max-width: max-content;
}
.ls-tab {
  background: transparent;
  border: none;
  font-family: var(--font-heading);
  font-size: var(--font-size-sm);
  font-weight: 700;
  color: var(--color-text-muted);
  padding: 12px 24px;
  border-radius: 4px;
  cursor: pointer;
  transition: all 0.2s ease;
  letter-spacing: 0.05em;
}
.ls-tab.active,
.ls-tab:hover {
  background: var(--color-green);
  color: var(--color-white);
  box-shadow: var(--shadow-md);
}

/* Tab Panes / List */
.ls-list {
  list-style: none;
  padding: 0;
  margin: 0 0 40px;
  display: flex;
  flex-direction: column;
  gap: 24px;
}
.ls-list li {
  display: flex;
  gap: 16px;
  align-items: flex-start;
}
.ls-plus {
  color: var(--color-green);
  font-size: 24px;
  font-weight: 700;
  line-height: 1;
  margin-top: -2px;
}
.ls-item-text {
  font-family: var(--font-sans);
  font-size: var(--font-size-base);
  color: var(--color-text-muted);
  line-height: 1.6;
}
.ls-item-text strong {
  color: var(--color-navy);
  font-weight: 800;
}

/* Read More Button */
.ls-read-more {
  display: inline-block;
  background: var(--color-green);
  color: var(--color-white);
  font-family: var(--font-heading);
  font-size: var(--font-size-sm);
  font-weight: 800;
  padding: 16px 36px;
  border-radius: 4px;
  text-decoration: none;
  transition: background 0.2s ease;
}
.ls-read-more:hover {
  background: var(--color-green-dark);
}

/* Circular Wheel */
.ls-wheel-wrap {
  position: relative;
  width: 480px;
  height: 480px;
  margin: 0 auto;
}
.ls-wheel-ring {
  position: absolute;
  inset: 0;
  border-radius: 50%;
  border: 1px solid var(--color-yellow); /* Thin yellow ring as requested */
  z-index: 1;
}

/* Center Text */
.ls-wheel-center {
  position: absolute;
  top: 50%; left: 50%;
  transform: translate(-50%, -50%);
  text-align: center;
  width: 320px;
  z-index: 5;
}
.ls-wheel-center h4 {
  font-family: var(--font-display);
  font-size: var(--font-size-lg);
  font-weight: 800;
  color: var(--color-navy);
  margin-bottom: 16px;
}
.ls-wheel-center p {
  font-family: var(--font-sans);
  font-size: 13px;
  color: var(--color-text-muted);
  line-height: 1.6;
}

/* Icons */
.ls-wheel-icon {
  position: absolute;
  top: 50%; left: 50%;
  width: 96px; height: 96px;
  margin-top: -48px; margin-left: -48px;
  z-index: 10;
  cursor: pointer;
  border-radius: 50%;
}
.ls-wi-outer {
  width: 100%; height: 100%;
  border-radius: 50%;
  border: 3px solid var(--color-green);
  display: flex; align-items: center; justify-content: center;
  background: var(--color-white);
  transition: all 0.3s ease;
  position: relative;
}
.ls-wi-inner {
  width: 72px; height: 72px;
  background: var(--color-green);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  color: var(--color-white);
  transition: all 0.3s ease;
}
.ls-wi-inner svg {
  width: 32px;
  height: 32px;
}

/* Active State & Hover */
.ls-wheel-icon:hover .ls-wi-outer,
.ls-wheel-icon.active .ls-wi-outer {
  box-shadow: 0 0 0 10px rgba(255, 245, 3, 0.15); /* Faint yellow glow using base rgb */
  border-color: var(--color-yellow);
  transform: scale(1.05);
}

.ls-wheel-icon.active .ls-wi-inner {
  background: var(--color-yellow);
  color: var(--color-navy); /* Dark text for contrast against yellow */
}

/* Center Text Transition */
.ls-wheel-center {
  transition: opacity 0.2s ease;
}

/* Positions for 6 icons */
.icon-1 { transform: rotate(0deg) translateY(-240px) rotate(0deg); }
.icon-2 { transform: rotate(60deg) translateY(-240px) rotate(-60deg); }
.icon-3 { transform: rotate(120deg) translateY(-240px) rotate(-120deg); }
.icon-4 { transform: rotate(180deg) translateY(-240px) rotate(-180deg); }
.icon-5 { transform: rotate(240deg) translateY(-240px) rotate(-240deg); }
.icon-6 { transform: rotate(300deg) translateY(-240px) rotate(-300deg); }

@media (max-width: 1024px) {
  .ls-grid { gap: 40px; }
  .ls-wheel-wrap { width: 400px; height: 400px; }
  .icon-1 { transform: rotate(0deg) translateY(-200px) rotate(0deg); }
  .icon-2 { transform: rotate(60deg) translateY(-200px) rotate(-60deg); }
  .icon-3 { transform: rotate(120deg) translateY(-200px) rotate(-120deg); }
  .icon-4 { transform: rotate(180deg) translateY(-200px) rotate(-180deg); }
  .icon-5 { transform: rotate(240deg) translateY(-240px) rotate(-240deg); }
  .icon-6 { transform: rotate(300deg) translateY(-200px) rotate(-300deg); }
}

@media (max-width: 900px) {
  .ls-grid { grid-template-columns: 1fr; }
  .ls-wheel-wrap { margin-top: 60px; }
}
@media (max-width: 480px) {
  .ls-wheel-wrap { width: 300px; height: 300px; }
  .ls-wheel-center { width: 200px; }
  .icon-1 { transform: rotate(0deg) translateY(-150px) rotate(0deg); }
  .icon-2 { transform: rotate(60deg) translateY(-150px) rotate(-60deg); }
  .icon-3 { transform: rotate(120deg) translateY(-150px) rotate(-120deg); }
  .icon-4 { transform: rotate(180deg) translateY(-150px) rotate(-180deg); }
  .icon-5 { transform: rotate(240deg) translateY(-150px) rotate(-240deg); }
  .icon-6 { transform: rotate(300deg) translateY(-150px) rotate(-300deg); }
  .ls-wi-inner { width: 56px; height: 56px; }
}

/* =============================================
   LOANS & SAVINGS SECTION
   ============================================= */
.loans-savings-section {
  background: var(--color-white);
  padding: 100px 0;
  overflow: hidden;
}

.ls-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
}

/* Titles */
.ls-title {
  font-family: var(--font-display);
  font-size: 26px; /* Match welcome-title exactly */
  font-weight: 800;
  color: #1a2233;
  letter-spacing: -0.01em;
  text-transform: uppercase;
  margin: 0 0 40px;
  line-height: 1.2;
}

/* Tabs */
.ls-tabs {
  display: flex;
  gap: 16px;
  margin-bottom: 40px;
  background: var(--color-off-white);
  padding: 8px;
  border-radius: 6px;
  max-width: max-content;
}
.ls-tab {
  background: transparent;
  border: none;
  font-family: var(--font-heading);
  font-size: var(--font-size-sm);
  font-weight: 700;
  color: var(--color-text-muted);
  padding: 12px 24px;
  border-radius: 4px;
  cursor: pointer;
  transition: all 0.2s ease;
  letter-spacing: 0.05em;
}
.ls-tab.active,
.ls-tab:hover {
  background: var(--color-green);
  color: var(--color-white);
  box-shadow: var(--shadow-md);
}

/* Tab Panes / List */
.ls-list {
  list-style: none;
  padding: 0;
  margin: 0 0 40px;
  display: flex;
  flex-direction: column;
  gap: 24px;
}
.ls-list li {
  display: flex;
  gap: 16px;
  align-items: flex-start;
}
.ls-plus {
  color: var(--color-green);
  font-size: 24px;
  font-weight: 700;
  line-height: 1;
  margin-top: -2px;
}
.ls-item-text {
  font-family: var(--font-sans);
  font-size: var(--font-size-base);
  color: var(--color-text-muted);
  line-height: 1.6;
}
.ls-item-text strong {
  color: var(--color-navy);
  font-weight: 800;
}

/* Read More Button */
.ls-read-more {
  display: inline-block;
  background: var(--color-green);
  color: var(--color-white);
  font-family: var(--font-heading);
  font-size: var(--font-size-sm);
  font-weight: 800;
  padding: 16px 36px;
  border-radius: 4px;
  text-decoration: none;
  transition: background 0.2s ease;
}
.ls-read-more:hover {
  background: var(--color-green-dark);
}

/* Circular Wheel */
.ls-wheel-wrap {
  position: relative;
  width: 480px;
  height: 480px;
  margin: 0 auto;
}
.ls-wheel-ring {
  position: absolute;
  inset: 0;
  border-radius: 50%;
  border: 1px solid var(--color-yellow); /* Thin yellow ring as requested */
  z-index: 1;
}

/* Center Text */
.ls-wheel-center {
  position: absolute;
  top: 50%; left: 50%;
  transform: translate(-50%, -50%);
  text-align: center;
  width: 320px;
  z-index: 5;
}
.ls-wheel-center h4 {
  font-family: var(--font-display);
  font-size: var(--font-size-lg);
  font-weight: 800;
  color: var(--color-navy);
  margin-bottom: 16px;
}
.ls-wheel-center p {
  font-family: var(--font-sans);
  font-size: 13px;
  color: var(--color-text-muted);
  line-height: 1.6;
}

/* Icons */
.ls-wheel-icon {
  position: absolute;
  top: 50%; left: 50%;
  width: 96px; height: 96px;
  margin-top: -48px; margin-left: -48px;
  z-index: 10;
  cursor: pointer;
  border-radius: 50%;
}
.ls-wi-outer {
  width: 100%; height: 100%;
  border-radius: 50%;
  border: 3px solid var(--color-green);
  display: flex; align-items: center; justify-content: center;
  background: var(--color-white);
  transition: all 0.3s ease;
  position: relative;
}
.ls-wi-inner {
  width: 72px; height: 72px;
  background: var(--color-green);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  color: var(--color-white);
  transition: all 0.3s ease;
}
.ls-wi-inner svg {
  width: 32px;
  height: 32px;
}

/* Active State & Hover */
.ls-wheel-icon:hover .ls-wi-outer,
.ls-wheel-icon.active .ls-wi-outer {
  box-shadow: 0 0 0 10px rgba(255, 245, 3, 0.15); /* Faint yellow glow using base rgb */
  border-color: var(--color-yellow);
  transform: scale(1.05);
}

.ls-wheel-icon.active .ls-wi-inner {
  background: var(--color-yellow);
  color: var(--color-navy); /* Dark text for contrast against yellow */
}

/* Center Text Transition */
.ls-wheel-center {
  transition: opacity 0.2s ease;
}

/* Positions for 6 icons */
.icon-1 { transform: rotate(0deg) translateY(-240px) rotate(0deg); }
.icon-2 { transform: rotate(60deg) translateY(-240px) rotate(-60deg); }
.icon-3 { transform: rotate(120deg) translateY(-240px) rotate(-120deg); }
.icon-4 { transform: rotate(180deg) translateY(-240px) rotate(-180deg); }
.icon-5 { transform: rotate(240deg) translateY(-240px) rotate(-240deg); }
.icon-6 { transform: rotate(300deg) translateY(-240px) rotate(-300deg); }

@media (max-width: 1024px) {
  .ls-grid { gap: 40px; }
  .ls-wheel-wrap { width: 400px; height: 400px; }
  .icon-1 { transform: rotate(0deg) translateY(-200px) rotate(0deg); }
  .icon-2 { transform: rotate(60deg) translateY(-200px) rotate(-60deg); }
  .icon-3 { transform: rotate(120deg) translateY(-200px) rotate(-120deg); }
  .icon-4 { transform: rotate(180deg) translateY(-200px) rotate(-180deg); }
  .icon-5 { transform: rotate(240deg) translateY(-200px) rotate(-240deg); }
  .icon-6 { transform: rotate(300deg) translateY(-200px) rotate(-300deg); }
}

@media (max-width: 900px) {
  .ls-grid { grid-template-columns: 1fr; }
  .ls-wheel-wrap { margin-top: 60px; }
}
@media (max-width: 480px) {
  .ls-wheel-wrap { width: 300px; height: 300px; }
  .ls-wheel-center { width: 200px; }
  .icon-1 { transform: rotate(0deg) translateY(-150px) rotate(0deg); }
  .icon-2 { transform: rotate(60deg) translateY(-150px) rotate(-60deg); }
  .icon-3 { transform: rotate(120deg) translateY(-150px) rotate(-120deg); }
  .icon-4 { transform: rotate(180deg) translateY(-150px) rotate(-180deg); }
  .icon-5 { transform: rotate(240deg) translateY(-150px) rotate(-240deg); }
  .icon-6 { transform: rotate(300deg) translateY(-150px) rotate(-300deg); }
  .ls-wi-inner { width: 56px; height: 56px; }
}

/* =============================================
   SERVICES SECTION
   ============================================= */
.notice-bar {
  background: var(--color-secondary);
  color: var(--color-primary-dark);
  padding: 10px 0;
  overflow: hidden;
}
.notice-bar-inner { display: flex; align-items: center; gap: 16px; }
.notice-label {
  background: var(--color-primary);
  color: var(--color-white);
  font-size: var(--font-size-xs);
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  padding: 4px 12px;
  border-radius: var(--radius-full);
  white-space: nowrap;
  flex-shrink: 0;
}
.notice-scroll-wrap { overflow: hidden; flex: 1; }
.notice-scroll {
  display: inline-flex; gap: 48px;
  animation: scrollNotice 30s linear infinite;
  white-space: nowrap;
}
.notice-scroll:hover { animation-play-state: paused; }
.notice-item {
  font-size: var(--font-size-sm);
  font-weight: 600;
  color: var(--color-primary-dark);
}
.notice-item::before { content: "●"; margin-right: 8px; opacity: 0.5; }
@keyframes scrollNotice {
  0% { transform: translateX(0); }
  100% { transform: translateX(-50%); }
}

/* =============================================
   QUICK LINKS / SERVICES BAR
   ============================================= */
.quick-links { padding: 48px 0; background: var(--color-off-white); }
.quick-links-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
  gap: 20px;
}
.quick-link-card {
  background: var(--color-white);
  border-radius: var(--radius-lg);
  padding: 28px 20px;
  text-align: center;
  transition: all var(--transition);
  box-shadow: var(--shadow-sm);
  border: 2px solid transparent;
  cursor: pointer;
  text-decoration: none;
  display: block;
}
.quick-link-card:hover {
  border-color: var(--color-primary);
  box-shadow: var(--shadow-md);
  transform: translateY(-4px);
  color: inherit;
}
.quick-link-icon {
  width: 60px; height: 60px;
  background: linear-gradient(135deg, var(--color-primary), var(--color-primary-light));
  border-radius: var(--radius-lg);
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 16px;
  color: var(--color-white);
  font-size: 24px;
  transition: transform var(--transition);
}
.quick-link-card:hover .quick-link-icon { transform: scale(1.1); }
.quick-link-card h4 {
  font-size: var(--font-size-base);
  color: var(--color-primary-dark);
  margin-bottom: 6px;
}
.quick-link-card p {
  font-size: var(--font-size-xs);
  color: var(--color-text-muted);
  margin: 0;
}

/* =============================================
   ABOUT SECTION
   ============================================= */
.about-section { padding: var(--section-padding); }
.about-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
}
.about-img-wrap { position: relative; }
.about-img {
  border-radius: var(--radius-xl);
  overflow: hidden;
  box-shadow: var(--shadow-xl);
}
.about-img img { width: 100%; aspect-ratio: 4/3; object-fit: cover; }
.about-badge {
  position: absolute;
  bottom: -20px; right: -20px;
  background: var(--color-secondary);
  color: var(--color-primary-dark);
  border-radius: var(--radius-lg);
  padding: 20px 24px;
  text-align: center;
  box-shadow: var(--shadow-lg);
}
.about-badge .badge-num {
  font-family: var(--font-display);
  font-size: var(--font-size-3xl);
  font-weight: 800;
  line-height: 1;
  display: block;
}
.about-badge .badge-text {
  font-size: var(--font-size-xs);
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}
.about-content .section-tag {
  display: inline-block;
  background: rgba(232,160,32,0.12);
  color: var(--color-secondary-dark);
  font-size: var(--font-size-sm);
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  padding: 6px 16px;
  border-radius: var(--radius-full);
  margin-bottom: 12px;
}
.about-content h2 { margin-bottom: 20px; }
.about-content p { margin-bottom: 16px; }
.about-features { margin: 24px 0; display: flex; flex-direction: column; gap: 12px; }
.about-feature { display: flex; align-items: flex-start; gap: 12px; }
.about-feature-icon {
  width: 32px; height: 32px; flex-shrink: 0;
  background: rgba(0,51,102,0.08);
  border-radius: var(--radius-md);
  display: flex; align-items: center; justify-content: center;
  color: var(--color-primary);
  margin-top: 2px;
}
.about-feature-text h5 { font-size: var(--font-size-base); margin-bottom: 2px; color: var(--color-primary-dark); }
.about-feature-text p { font-size: var(--font-size-sm); margin: 0; color: var(--color-text-muted); }

/* =============================================
   REGISTRATION CARDS
   ============================================= */
.registration-cards-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  align-items: stretch;
}
.reg-card {
  padding: 40px;
  border-radius: var(--radius-xl);
  display: flex;
  flex-direction: column;
}
.reg-card.bg-white {
  background: var(--color-white);
  color: var(--color-text);
}
.reg-card.bg-green {
  background: var(--color-green);
  color: var(--color-white);
}
.reg-card.bg-yellow {
  background: var(--color-yellow);
  color: var(--color-text);
}

.reg-card-title {
  font-size: 2rem;
  margin-bottom: 24px;
}
.reg-card.bg-white .reg-card-title,
.reg-card.bg-yellow .reg-card-title {
  color: var(--color-navy);
}
.reg-card.bg-green .reg-card-title {
  color: var(--color-white);
}

.reg-card-intro {
  font-size: var(--font-size-md);
  margin-bottom: 32px;
  font-weight: 500;
}
.reg-card.bg-white .reg-card-intro,
.reg-card.bg-yellow .reg-card-intro {
  color: var(--color-text);
}
.reg-card.bg-green .reg-card-intro {
  color: rgba(255,255,255,0.9);
}

.reg-card-list {
  list-style: none;
  padding: 0;
  margin: 0 0 40px 0;
  flex-grow: 1;
}
.reg-card-list li {
  position: relative;
  padding-left: 32px;
  margin-bottom: 16px;
  font-size: 15px;
  font-weight: 600;
  line-height: 1.4;
}
.reg-card-list li::before {
  content: "✓";
  position: absolute;
  left: 0; top: 0;
  font-weight: bold;
}
.reg-card.bg-white .reg-card-list li::before,
.reg-card.bg-yellow .reg-card-list li::before {
  color: var(--color-navy);
}
.reg-card.bg-green .reg-card-list li::before {
  color: var(--color-white);
}

.reg-card-list a {
  text-decoration: underline;
}
.reg-card.bg-white .reg-card-list a { color: var(--color-green); }
.reg-card.bg-green .reg-card-list a { color: var(--color-white); }
.reg-card.bg-yellow .reg-card-list a { color: var(--color-navy); }

.reg-card-footer {
  margin-top: auto;
}

.reg-btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 32px;
  border-radius: var(--radius-full);
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: var(--font-size-sm);
  text-transform: uppercase;
  letter-spacing: 0.05em;
  transition: all var(--transition);
}
.reg-btn .arrow { font-size: 18px; line-height: 1; transition: transform 0.2s; }
.reg-btn:hover .arrow { transform: translateX(4px); }

.reg-btn.btn-green { background: var(--color-green); color: var(--color-white); }
.reg-btn.btn-green:hover { background: var(--color-navy); color: var(--color-white); }

.reg-btn.btn-white { background: var(--color-white); color: var(--color-green); }
.reg-btn.btn-white:hover { background: var(--color-yellow); color: var(--color-navy); }

.reg-btn.btn-black { background: var(--color-navy); color: var(--color-white); }
.reg-btn.btn-black:hover { background: var(--color-green); color: var(--color-white); }

.services-section { background: #f5f5f5; padding: var(--section-padding); }
.services-section .section-header h2 { color: var(--color-primary-dark); }
.services-section .section-header p { color: rgba(0,0,0,0.7); }
.services-section .section-tag { background: rgba(232,160,32,0.15); color: var(--color-gold); }
.services-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
  gap: 24px;
  max-width: 1200px;
  margin: 0 auto;
}

/* --- Service Category Page: Summary card grid --- */
.services-summary-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(280px, 1fr));
  gap: 28px;
}
a.service-summary-card {
  text-decoration: none;
  display: flex;
  flex-direction: column;
  background: var(--color-primary);
  border-radius: var(--radius-xl);
  overflow: hidden;
  box-shadow: 0 8px 24px rgba(0,0,0,0.1);
  transition: transform var(--transition), box-shadow var(--transition);
  position: relative;
}
a.service-summary-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0;
  width: 100%; height: 4px;
  background: var(--color-yellow);
}
a.service-summary-card:hover {
  transform: translateY(-6px);
  box-shadow: 0 16px 40px rgba(0,100,0,0.18);
}
.service-summary-card-inner {
  padding: 36px 32px;
  display: flex;
  flex-direction: column;
  height: 100%;
}
.service-summary-card-inner h3 {
  color: var(--color-white);
  font-size: var(--font-size-xl);
  font-weight: 800;
  margin: 0 0 12px;
  letter-spacing: -0.02em;
}
.service-summary-rate {
  display: inline-block;
  background: rgba(255,255,255,0.15);
  color: var(--color-yellow);
  font-weight: 700;
  font-size: var(--font-size-sm);
  padding: 4px 14px;
  border-radius: var(--radius-full);
  margin-bottom: 16px;
  width: fit-content;
}
.service-summary-card-inner p {
  color: rgba(255,255,255,0.82);
  font-size: var(--font-size-base);
  line-height: 1.65;
  margin: 0 0 auto;
  padding-bottom: 24px;
}
.service-summary-cta {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  color: var(--color-yellow);
  font-weight: 700;
  font-size: var(--font-size-sm);
  margin-top: 16px;
  transition: gap var(--transition);
}
a.service-summary-card:hover .service-summary-cta {
  gap: 14px;
}

/* --- Single Service Detail Card --- */
.service-detail-card {
  background: var(--color-primary);
  border-radius: var(--radius-xl);
  padding: 48px;
  box-shadow: 0 8px 32px rgba(0,0,0,0.1);
  position: relative;
  overflow: hidden;
}
.service-detail-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0;
  width: 6px; height: 100%;
  background: var(--color-yellow);
  border-radius: var(--radius-xl) 0 0 var(--radius-xl);
}
.service-detail-card .entry-content,
.service-detail-card .entry-content p,
.service-detail-card .entry-content li,
.service-detail-card .entry-content * {
  color: rgba(255,255,255,0.9);
}
.service-detail-card .entry-content strong {
  color: var(--color-yellow);
}
.service-detail-card .entry-content ul {
  list-style: none;
  padding: 0;
  margin: 16px 0;
  display: grid;
  gap: 10px;
}
.service-detail-card .entry-content ul li {
  padding-left: 32px;
  position: relative;
  line-height: 1.55;
}
.service-detail-card .entry-content ul li::before {
  content: '✓';
  position: absolute;
  left: 0; top: 2px;
  background: var(--color-yellow);
  color: var(--color-primary-dark);
  width: 20px; height: 20px;
  border-radius: 50%;
  font-size: 11px; font-weight: 800;
  display: flex; align-items: center; justify-content: center;
}
.service-detail-rate {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  background: rgba(255,255,255,0.12);
  border: 1px solid rgba(255,255,255,0.2);
  border-radius: var(--radius-md);
  padding: 12px 20px;
  margin-bottom: 28px;
}
.service-detail-rate span {
  color: rgba(255,255,255,0.7);
  font-size: var(--font-size-sm);
  font-weight: 600;
}
.service-detail-rate strong {
  color: var(--color-yellow);
  font-size: var(--font-size-lg);
  font-weight: 800;
}

@media (max-width: 768px) {
  .services-summary-grid { grid-template-columns: 1fr; }
  .service-detail-card { padding: 28px 20px; }
}
.service-card {
  background: var(--color-primary);
  border: none;
  border-radius: var(--radius-xl);
  padding: 40px;
  transition: all var(--transition);
  position: relative;
  overflow: hidden;
  box-shadow: 0 10px 30px rgba(0,0,0,0.1);
}
.service-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0;
  width: 6px; height: 100%;
  background: var(--color-yellow);
  border-radius: var(--radius-xl) 0 0 var(--radius-xl);
}
.service-card:hover {
  transform: translateY(-8px);
  box-shadow: 0 20px 40px rgba(0, 128, 0, 0.2);
}
.service-icon {
  display: none;
}
.service-card h3 { 
  color: var(--color-white); 
  font-size: 2rem; 
  font-weight: 800;
  margin-bottom: 24px; 
  margin-top: 0;
  letter-spacing: -0.02em;
}
.service-card p,
.service-card .entry-content,
.service-card .entry-content p,
.service-card .entry-content * { 
  color: rgba(255,255,255,0.9); 
}
.service-card p {
  font-size: var(--font-size-base); 
  margin: 0; 
  line-height: 1.6; 
}
.service-card .entry-content {
  margin-top: 24px;
}
.service-card .entry-content p {
  margin-bottom: 16px;
}
.service-card .entry-content ul {
  list-style: none;
  padding: 0;
  margin: 24px 0 0;
  display: grid;
  gap: 12px;
}
.service-card .entry-content ul li {
  position: relative;
  padding-left: 32px;
  margin-bottom: 0;
  color: var(--color-white);
  line-height: 1.5;
  font-size: var(--font-size-base);
}
.service-card .entry-content ul li::before {
  content: '✓';
  position: absolute;
  left: 0;
  top: 2px;
  color: var(--color-primary);
  background: var(--color-yellow);
  width: 20px;
  height: 20px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 12px;
  font-weight: 800;
}
.service-card .entry-content strong {
  color: var(--color-yellow);
  font-weight: 700;
}
.service-card .service-link {
  display: inline-flex; align-items: center; gap: 8px;
  background: var(--color-yellow);
  color: var(--color-primary-dark);
  font-size: var(--font-size-base);
  font-weight: 700;
  padding: 14px 28px;
  border-radius: var(--radius-full);
  margin-top: 32px;
  transition: all var(--transition);
  text-decoration: none;
}
.service-card:hover .service-link { 
  background: var(--color-white);
  transform: translateX(4px);
  box-shadow: 0 4px 12px rgba(0,0,0,0.1);
}

/* =============================================
   STATISTICS / HIGHLIGHTS
   ============================================= */
.stats-section {
  background: linear-gradient(135deg, var(--color-primary) 0%, var(--color-primary-dark) 100%);
  padding: 64px 0;
  position: relative;
  overflow: hidden;
}
.stats-section::before {
  content: '';
  position: absolute; top: -50%; right: -10%;
  width: 500px; height: 500px;
  background: rgba(255,255,255,0.03);
  border-radius: 50%;
}
.stats-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
  gap: 0;
  position: relative;
  z-index: 1;
}
.stat-item {
  text-align: center;
  padding: 32px 24px;
  border-right: 1px solid rgba(255,255,255,0.1);
}
.stat-item:last-child { border-right: none; }
.stat-number {
  font-family: var(--font-display);
  font-size: clamp(2rem, 3.5vw, 3rem);
  font-weight: 800;
  color: var(--color-secondary);
  line-height: 1;
  display: block;
  margin-bottom: 8px;
}
.stat-label {
  font-size: var(--font-size-sm);
  color: rgba(255,255,255,0.75);
  font-weight: 500;
}

/* =============================================
   NEWS / UPDATES
   ============================================= */
.news-section { padding: var(--section-padding); background: var(--color-off-white); }
.news-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(300px, 1fr)); gap: 28px; }
.news-card {
  background: var(--color-white);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--color-border);
  transition: all var(--transition);
}
.news-card:hover { box-shadow: var(--shadow-lg); transform: translateY(-4px); }
.news-card-img { aspect-ratio: 16/9; overflow: hidden; }
.news-card-img img { width: 100%; height: 100%; object-fit: cover; transition: transform var(--transition-slow); }
.news-card:hover .news-card-img img { transform: scale(1.05); }
.news-card-body { padding: 24px; }
.news-meta { display: flex; align-items: center; gap: 12px; margin-bottom: 12px; flex-wrap: wrap; }
.news-cat {
  font-size: var(--font-size-xs); font-weight: 700;
  text-transform: uppercase; letter-spacing: 0.06em;
  color: var(--color-green); background: rgba(0, 128, 0, 0.08);
  padding: 3px 10px; border-radius: var(--radius-full);
}
.news-date { font-size: var(--font-size-xs); color: var(--color-text-muted); }
.news-card h3 { font-size: var(--font-size-lg); margin-bottom: 10px; }
.news-card h3 a { color: var(--color-text); }
.news-card h3 a:hover { color: var(--color-green); }
.news-card p { font-size: var(--font-size-sm); color: var(--color-text-muted); margin-bottom: 16px; }
.news-read-more { color: var(--color-green); font-size: var(--font-size-sm); font-weight: 600; display: flex; align-items: center; gap: 4px; }

/* =============================================
   TEAM SECTION
   ============================================= */
.team-section { padding: var(--section-padding); }

/* Team intro */
.team-intro { margin-bottom: 56px; text-align: center; max-width: 800px; margin-left: auto; margin-right: auto; }
.team-section-title { 
  font-size: var(--font-size-3xl); 
  color: var(--color-navy); 
  margin-bottom: 16px; 
  font-weight: 800; 
  text-transform: uppercase;
  position: relative;
  display: inline-block;
}
.team-section-title::after {
  content: '';
  position: absolute;
  bottom: -8px;
  left: 50%;
  transform: translateX(-50%);
  width: 60px;
  height: 4px;
  background-color: var(--color-yellow);
  border-radius: 2px;
}
.team-section-desc { font-size: var(--font-size-lg); color: var(--color-text-muted); line-height: 1.6; margin-top: 24px; }

/* Team grid */
.team-grid { 
  display: grid; 
  grid-template-columns: repeat(auto-fill, minmax(260px, 1fr)); 
  gap: 40px 30px; 
  margin-top: 40px; 
}
.team-card {
  text-align: center;
  border-radius: var(--radius-xl);
  overflow: hidden;
  background: var(--color-white);
  box-shadow: 0 10px 30px rgba(10, 22, 40, 0.05);
  border: 1px solid rgba(221, 227, 216, 0.5);
  transition: all 0.4s cubic-bezier(0.165, 0.84, 0.44, 1);
  position: relative;
  display: flex;
  flex-direction: column;
  height: 100%;
}
.team-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 4px;
  background: var(--color-green);
  transform: scaleX(0);
  transform-origin: center;
  transition: transform 0.4s ease;
  z-index: 2;
}
.team-card:hover { 
  box-shadow: 0 20px 40px rgba(10, 22, 40, 0.1); 
  transform: translateY(-8px); 
  border-color: transparent;
}
.team-card:hover::before {
  transform: scaleX(1);
}

/* Team card image */
.team-card-image {
  aspect-ratio: 1/1;
  width: 180px;
  margin: 32px auto 0;
  overflow: hidden;
  position: relative;
  background: var(--color-light-gray);
  border-radius: 50%;
  border: 4px solid var(--color-off-white);
  box-shadow: 0 8px 16px rgba(0,0,0,0.06);
  z-index: 10;
}
.team-photo { 
  width: 100%; 
  height: 100%; 
  object-fit: cover; 
  object-position: top center;
  transition: transform 0.6s cubic-bezier(0.165, 0.84, 0.44, 1); 
  filter: contrast(1.05);
}
.team-card:hover .team-photo { 
  transform: scale(1.08); 
  filter: contrast(1.05);
}
.team-photo-placeholder {
  width: 100%; height: 100%;
  display: flex; align-items: center; justify-content: center;
  color: var(--color-mid-gray);
  background: linear-gradient(135deg, var(--color-light-gray) 0%, #f0f0f0 100%);
}

/* Team card content */
.team-card-content { 
  padding: 24px 20px; 
  display: flex;
  flex-direction: column;
  flex-grow: 1;
  justify-content: center;
  position: relative;
}
.team-member-name { 
  font-family: var(--font-heading);
  font-size: 1.15rem; 
  color: var(--color-navy); 
  margin-bottom: 8px; 
  font-weight: 700;
  line-height: 1.3;
  text-transform: uppercase;
}
.team-member-position { 
  font-family: var(--font-sans);
  font-size: 0.85rem; 
  color: var(--color-green); 
  font-weight: 700; 
  text-transform: uppercase; 
  letter-spacing: 0.08em; 
  display: inline-block;
  padding: 4px 12px;
  background: rgba(0, 128, 0, 0.05);
  border-radius: 20px;
  margin: 0 auto;
}

/* Legacy support */
.team-card-img {
  aspect-ratio: 1/1;
  overflow: hidden;
  position: relative;
}
.team-card-img img { width: 100%; height: 100%; object-fit: cover; transition: transform var(--transition-slow); }
.team-card:hover .team-card-img img { transform: scale(1.05); }
.team-card-overlay {
  position: absolute; inset: 0;
  background: linear-gradient(to top, rgba(0,20,50,0.7) 0%, transparent 60%);
  opacity: 0; transition: opacity var(--transition);
}
.team-card:hover .team-card-overlay { opacity: 1; }
.team-card-body { padding: 20px 16px; }
.team-card h4 { font-size: var(--font-size-base); color: var(--color-primary-dark); margin-bottom: 4px; }
.team-role { font-size: var(--font-size-xs); color: var(--color-secondary-dark); font-weight: 600; text-transform: uppercase; letter-spacing: 0.05em; }

/* Empty state */
.team-empty { text-align: center; padding: 60px 20px; color: var(--color-text-muted); font-size: var(--font-size-lg); }

/* =============================================
   DOWNLOADS SECTION
   ============================================= */
.downloads-section { padding: var(--section-padding); background: var(--color-off-white); }
.downloads-filter { display: flex; gap: 10px; flex-wrap: wrap; margin-bottom: 32px; justify-content: center; }
.filter-btn {
  background: var(--color-white);
  border: 2px solid var(--color-border);
  color: var(--color-dark-gray);
  padding: 8px 20px;
  border-radius: var(--radius-full);
  font-size: var(--font-size-sm);
  font-weight: 600;
  cursor: pointer;
  transition: all var(--transition);
}
.filter-btn:hover, .filter-btn.active {
  background: var(--color-primary);
  border-color: var(--color-primary);
  color: var(--color-white);
}
.downloads-grid { 
  display: grid; 
  grid-template-columns: repeat(auto-fill, minmax(320px, 1fr)); 
  gap: 24px; 
}
.download-card {
  background: var(--color-white);
  border-radius: 12px;
  padding: 24px;
  display: flex; 
  align-items: center; 
  gap: 18px;
  box-shadow: 0 4px 20px rgba(0,0,0,0.05);
  border: 1px solid rgba(0,0,0,0.04);
  transition: all 0.3s ease;
}
.download-card:hover { 
  box-shadow: 0 8px 30px rgba(0,0,0,0.1); 
  border-color: var(--color-green); 
  transform: translateY(-4px); 
}
.download-icon {
  width: 56px; height: 56px; flex-shrink: 0;
  border-radius: 12px;
  display: flex; align-items: center; justify-content: center;
  font-size: 24px;
}
.download-icon.pdf { background: rgba(220,53,69,0.1); color: var(--color-danger); }
.download-icon.doc { background: rgba(0,51,102,0.1); color: var(--color-primary); }
.download-icon.xls { background: rgba(25,135,84,0.1); color: var(--color-success); }
.download-info { flex: 1; min-width: 0; }
.download-info h5 { 
  margin: 0 0 6px; 
  font-size: 15px; 
  font-family: var(--font-sans);
  font-weight: 700;
  color: var(--color-dark);
  line-height: 1.4;
}
.download-info span { 
  display: block; 
  font-size: 13px; 
  color: var(--color-gray);
  font-weight: 500;
}
.download-btn {
  width: 44px; height: 44px; flex-shrink: 0;
  border-radius: 50%;
  background: #f0f2f5;
  color: var(--color-primary);
  display: flex; align-items: center; justify-content: center;
  text-decoration: none;
  transition: all 0.2s;
}
.download-btn:hover { background: var(--color-green); color: #fff; transform: scale(1.05); }

/* =============================================
   CTA SECTION
   ============================================= */
.cta-section {
  background: linear-gradient(135deg, var(--color-secondary) 0%, var(--color-secondary-dark) 100%);
  padding: 80px 0;
  text-align: center;
}
.cta-section h2 { color: var(--color-primary-dark); margin-bottom: 16px; }
.cta-section p { color: rgba(0,20,50,0.75); font-size: var(--font-size-md); margin-bottom: 36px; max-width: 600px; margin-left: auto; margin-right: auto; }
.cta-actions { display: flex; gap: 16px; justify-content: center; flex-wrap: wrap; }
.cta-actions .btn-primary { background: var(--color-primary); border-color: var(--color-primary); color: var(--color-white); }
.cta-actions .btn-primary:hover { background: var(--color-primary-dark); border-color: var(--color-primary-dark); }

/* =============================================
   CONTACT SECTION
   ============================================= */
.contact-section { padding: var(--section-padding); }
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1.5fr;
  gap: 64px;
  align-items: start;
}
.contact-info h2 { margin-bottom: 16px; }
.contact-info p { margin-bottom: 32px; }
.contact-items { display: flex; flex-direction: column; gap: 24px; }
.contact-item { display: flex; gap: 16px; align-items: flex-start; }
.contact-item-icon {
  width: 48px; height: 48px; flex-shrink: 0;
  background: rgba(0,51,102,0.08);
  border-radius: var(--radius-md);
  display: flex; align-items: center; justify-content: center;
  color: var(--color-primary);
  margin-top: 2px;
}
.contact-item-text h5 { font-size: var(--font-size-sm); margin-bottom: 2px; color: var(--color-primary-dark); }
.contact-item-text p { font-size: var(--font-size-sm); color: var(--color-text-muted); margin: 0; }
.contact-item-text a { color: var(--color-primary); font-size: var(--font-size-sm); }

.contact-form { background: var(--color-off-white); border-radius: var(--radius-xl); padding: 40px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
.form-group { margin-bottom: 20px; }
.form-group label { display: block; font-size: var(--font-size-sm); font-weight: 600; color: var(--color-primary-dark); margin-bottom: 6px; }
.form-group input,
.form-group select,
.form-group textarea {
  width: 100%; padding: 12px 16px;
  border: 2px solid var(--color-border);
  border-radius: var(--radius-md);
  font-size: var(--font-size-base);
  color: var(--color-text);
  background: var(--color-white);
  transition: border-color var(--transition);
  outline: none;
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  border-color: var(--color-primary);
}
.form-group textarea { resize: vertical; min-height: 120px; }

/* =============================================
   FOOTER
   ============================================= */
.site-footer {
  background: #11141e; /* Darker navy/black matching design */
  color: #fff;
  font-family: var(--font-sans);
}
.footer-main {
  padding: 80px 0;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1fr 1fr;
  gap: 40px;
}

/* Column 1: Brand */
.footer-brand .footer-logo {
  margin-bottom: 24px;
}
.footer-motto {
  color: var(--color-green);
  font-style: italic;
  font-weight: 700;
  font-size: 15px;
  margin-bottom: 24px;
}
.footer-about-text {
  font-size: 14px;
  line-height: 1.7;
  color: rgba(255,255,255,0.7);
  margin-bottom: 32px;
}
.footer-social {
  display: flex;
  gap: 16px;
}
.footer-social a {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 40px;
  height: 40px;
  border-radius: 50%;
  background: rgba(255,255,255,0.05);
  color: #fff;
  transition: all 0.2s ease;
}
.footer-social a:hover {
  background: var(--color-green);
  transform: translateY(-2px);
}

/* Widgets Base */
.footer-widget h4 {
  font-family: var(--font-display);
  font-size: 16px;
  font-weight: 700;
  color: #fff;
  margin: 0 0 32px 0;
  padding-left: 12px;
  position: relative;
}
/* Title Left Borders */
.footer-widget h4::before {
  content: '';
  position: absolute;
  left: 0;
  top: 2px;
  bottom: 2px;
  width: 3px;
  border-radius: 2px;
}
.footer-widget.border-green h4::before { background: var(--color-green); }
.footer-widget.border-red h4::before { background: var(--color-red); }
.footer-widget.border-yellow h4::before { background: var(--color-yellow); }

/* Lists with Red Chevrons */
.footer-widget ul {
  list-style: none;
  padding: 0;
  margin: 0;
}
.footer-widget ul li {
  margin-bottom: 16px;
}
.footer-widget ul li a {
  color: rgba(255,255,255,0.6);
  text-decoration: none;
  font-size: 14px;
  transition: color 0.2s ease;
  display: inline-flex;
  align-items: center;
}
.footer-widget ul li a::before {
  content: '›';
  color: var(--color-red);
  font-size: 18px;
  font-weight: 700;
  margin-right: 8px;
  line-height: 1;
}
.footer-widget ul li a:hover {
  color: var(--color-white);
}

/* Contacts Widget */
.contact-widget .fc-item {
  margin-bottom: 24px;
  font-size: 14px;
}
.contact-widget .fc-item strong {
  display: block;
  color: #fff;
  font-weight: 700;
  margin-bottom: 6px;
}
.contact-widget .fc-item p,
.contact-widget .fc-item a {
  color: rgba(255,255,255,0.6);
  margin: 0;
  line-height: 1.6;
  text-decoration: none;
  transition: color 0.2s ease;
}
.contact-widget .fc-item a:hover {
  color: var(--color-white);
}

/* Footer Bottom */
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.1);
  padding: 20px 0;
}
.footer-bottom-inner {
  display: flex; align-items: center; justify-content: space-between;
  flex-wrap: wrap; gap: 12px;
}
.footer-bottom p { font-size: var(--font-size-xs); color: rgba(255,255,255,0.5); margin: 0; }
.footer-bottom-links { display: flex; gap: 20px; }
.footer-bottom-links a { font-size: var(--font-size-xs); color: rgba(255,255,255,0.5); }
.footer-bottom-links a:hover { color: var(--color-yellow); }

/* =============================================
   BREADCRUMB
   ============================================= */
.page-hero {
  background: var(--color-green);
  padding: 56px 0;
}
.page-hero h1 { color: var(--color-white); margin-bottom: 12px; }
.breadcrumb { display: flex; align-items: center; gap: 8px; flex-wrap: wrap; }
.breadcrumb a { color: rgba(255,255,255,0.7); font-size: var(--font-size-sm); }
.breadcrumb a:hover { color: var(--color-yellow); }
.breadcrumb span { color: rgba(255,255,255,0.4); font-size: 12px; }
.breadcrumb .current { color: var(--color-yellow); font-size: var(--font-size-sm); font-weight: 600; }

/* =============================================
   SIDEBAR
   ============================================= */
.content-sidebar-wrap {
  display: grid;
  grid-template-columns: 1fr 380px;
  gap: 40px;
  align-items: start;
}
.widget {
  background: var(--color-off-white);
  border-radius: var(--radius-lg);
  padding: 28px;
  margin-bottom: 24px;
}
.widget-title {
  font-size: var(--font-size-lg);
  color: var(--color-primary-dark);
  margin-bottom: 20px;
  padding-bottom: 10px;
  border-bottom: 2px solid var(--color-secondary);
  display: inline-block;
}

/* =============================================
   SINGLE POST
   ============================================= */
.entry-content { line-height: 1.8; }
.entry-content h2, .entry-content h3, .entry-content h4 { margin: 2rem 0 1rem; }
.entry-content p { margin-bottom: 1.25rem; color: var(--color-dark-gray); }
.entry-content ul, .entry-content ol { margin: 0 0 1.25rem 1.5rem; }
.entry-content ul { list-style: disc; }
.entry-content ol { list-style: decimal; }
.entry-content li { margin-bottom: 0.5rem; color: var(--color-dark-gray); }
.entry-content blockquote {
  border-left: 4px solid var(--color-secondary);
  padding: 16px 24px;
  background: var(--color-off-white);
  border-radius: 0 var(--radius-md) var(--radius-md) 0;
  margin: 1.5rem 0;
  font-style: italic;
  color: var(--color-dark-gray);
}
.entry-content img { border-radius: var(--radius-md); margin: 1rem 0; }
.entry-content table { width: 100%; border-collapse: collapse; margin-bottom: 1.5rem; }
.entry-content table th, .entry-content table td {
  padding: 12px 16px;
  border: 1px solid var(--color-border);
  text-align: left;
}
.entry-content table th { background: var(--color-primary); color: white; }
.entry-content table tr:nth-child(even) { background: var(--color-off-white); }

/* =============================================
   FORMS (WP native)
   ============================================= */
.wp-block-search__input,
.search-field { width: 100%; padding: 10px 16px; border: 2px solid var(--color-border); border-radius: var(--radius-md); }

/* =============================================
   UTILITIES
   ============================================= */
.text-center { text-align: center; }
.text-left { text-align: left; }
.text-right { text-align: right; }
.mt-0 { margin-top: 0; }
.mb-0 { margin-bottom: 0; }
.hidden { display: none; }
.sr-only { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0,0,0,0); }
.bg-light { background: var(--color-off-white); }
.bg-primary { background: var(--color-primary); }
.bg-dark { background: var(--color-primary-dark); }
.text-primary { color: var(--color-primary); }
.text-secondary { color: var(--color-secondary); }
.text-muted { color: var(--color-text-muted); }

/* =============================================
   BACK TO TOP
   ============================================= */
.back-to-top {
  position: fixed; bottom: 28px; right: 28px; z-index: 999;
  width: 44px; height: 44px;
  background: var(--color-primary);
  color: white;
  border-radius: var(--radius-full);
  display: flex; align-items: center; justify-content: center;
  box-shadow: var(--shadow-md);
  opacity: 0; visibility: hidden;
  transition: all var(--transition);
  border: none; cursor: pointer;
}
.back-to-top.visible { opacity: 1; visibility: visible; }
.back-to-top:hover { background: var(--color-secondary); color: var(--color-primary-dark); transform: translateY(-3px); }

/* =============================================
   RESPONSIVE
   ============================================= */
@media (max-width: 1024px) {
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .about-grid { gap: 40px; }
}

@media (max-width: 900px) {
  .contact-grid { grid-template-columns: 1fr; }
  .content-sidebar-wrap { grid-template-columns: 1fr; }
  .about-grid { grid-template-columns: 1fr; }
  .about-badge { bottom: 16px; right: 16px; }
}

@media (max-width: 1024px) {
  .main-nav > li > a { padding: 10px 9px; font-size: 12px; }
}

@media (max-width: 992px) {
  .registration-cards-grid {
    grid-template-columns: 1fr;
    max-width: 600px;
    margin: 0 auto;
  }
}

@media (max-width: 768px) {
  :root { --section-padding: 56px 0; }
  .topbar-hours { display: none; }
  .main-nav-wrap { display: none; }
  .mobile-menu-btn { display: flex; }
  .header-search-btn { display: none; }
  .hero-slider { min-height: 420px; }
  .hero-slide { min-height: 420px; }
  .hero-slide-content { padding: 60px 0 80px; }
  .hero-title { font-size: clamp(2.2rem, 8vw, 3.5rem); }
  .hero-social-sidebar { display: none; }
  .hero-arrow { width: 36px; height: 36px; }
  .hero-prev { left: 10px; }
  .hero-next { right: 10px; }
  .hero-slide--left .hero-slide-content { max-width: 100%; }
  .stat-item { border-right: none; border-bottom: 1px solid rgba(255,255,255,0.1); }
  .stat-item:last-child { border-bottom: none; }
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr; gap: 32px; }
  .footer-bottom-inner { flex-direction: column; text-align: center; }
  .form-row { grid-template-columns: 1fr; }
  .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; }
}

@media (max-width: 480px) {
  .hero-title { font-size: clamp(1.8rem, 9vw, 2.6rem); }
  .hero-highlighted { font-size: 11px; padding: 8px 20px; }
  .hero-btn { padding: 12px 28px; font-size: 12px; }
  .hero-arrow { display: none; }
  .cta-actions { flex-direction: column; align-items: center; }
  .container { padding: 0 16px; }
}

/* Mobile Nav */
.mobile-nav-open .main-nav {
  display: flex;
  flex-direction: column;
  position: fixed;
  top: 0; left: 0; right: 0; bottom: 0;
  background: var(--color-white);
  z-index: 9999;
  padding: 80px 32px 32px;
  gap: 0;
  overflow-y: auto;
}
.mobile-nav-open .main-nav > li > a {
  padding: 14px 0;
  font-size: var(--font-size-md);
  border-bottom: 1px solid var(--color-border);
  border-radius: 0;
}
.mobile-nav-open .main-nav .sub-menu {
  position: static; opacity: 1; visibility: visible;
  transform: none; box-shadow: none; border: none;
  padding: 0 0 0 16px;
}
.mobile-nav-close {
  position: fixed; top: 20px; right: 20px; z-index: 10000;
  background: none; border: none; cursor: pointer;
  font-size: 28px; color: var(--color-primary);
}

/* =============================================
   DOWNLOADS PAGE — LAYOUT & SIDEBAR
   ============================================= */
.downloads-layout {
  display: grid;
  grid-template-columns: 1fr 300px;
  gap: 40px;
  align-items: start;
}
.downloads-main {
  min-width: 0;
}

/* Sidebar */
.downloads-sidebar {
  display: flex;
  flex-direction: column;
  gap: 24px;
  position: sticky;
  top: 100px;
}
.sidebar-widget {
  border-radius: 12px;
  padding: 28px 24px;
  background: #fff;
  box-shadow: 0 2px 16px rgba(0,0,0,0.07);
}
.sidebar-widget-title {
  font-family: var(--font-heading);
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--color-heading);
  margin: 0 0 10px;
}
.sidebar-widget-divider {
  height: 3px;
  width: 44px;
  background: var(--color-yellow);
  border-radius: 2px;
  margin-bottom: 20px;
}

/* Contact widget */
.sidebar-contact {
  background: var(--color-green);
  color: #fff;
}
.sidebar-contact .sidebar-widget-title {
  color: #fff;
}
.sidebar-contact-list {
  list-style: none;
  margin: 0;
  padding: 0;
  display: flex;
  flex-direction: column;
  gap: 16px;
}
.sidebar-contact-list li {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  font-size: 14px;
  line-height: 1.5;
  color: rgba(255,255,255,0.9);
}
.sidebar-contact-list a {
  color: #fff;
  text-decoration: none;
}
.sidebar-contact-list a:hover {
  text-decoration: underline;
}
.sidebar-contact-icon {
  flex-shrink: 0;
  width: 32px;
  height: 32px;
  background: rgba(255,255,255,0.15);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: #fff;
  margin-top: 1px;
}

/* Quick links widget */
.sidebar-links-list {
  list-style: none;
  margin: 0;
  padding: 0;
  display: flex;
  flex-direction: column;
  gap: 0;
}
.sidebar-links-list li {
  border-bottom: 1px solid var(--color-border);
}
.sidebar-links-list li:last-child {
  border-bottom: none;
}
.sidebar-links-list a {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 10px 0;
  font-size: 14px;
  font-weight: 600;
  color: var(--color-primary);
  text-decoration: none;
  transition: color 0.2s;
}
.sidebar-links-list a::after {
  content: '→';
  font-size: 13px;
  color: var(--color-gold);
}
.sidebar-links-list a:hover {
  color: var(--color-gold);
}

/* Help widget */
.sidebar-help {
  background: var(--color-primary);
}
.sidebar-help p {
  color: rgba(255,255,255,0.85);
  font-size: 14px;
  line-height: 1.6;
  margin: 0;
}
.sidebar-help .btn-primary {
  background: var(--color-yellow);
  color: var(--color-dark);
  border-color: var(--color-yellow);
}
.sidebar-help .btn-primary:hover {
  background: var(--color-gold);
  border-color: var(--color-gold);
  color: #fff;
}

@media (max-width: 900px) {
  .downloads-layout {
    grid-template-columns: 1fr;
  }
  .downloads-sidebar {
    position: static;
  }
}

/* =============================================
   ABOUT INNER PAGE — full-width, no sidebar
   ============================================= */
.about-inner-section {
  padding: 60px 0 80px;
}
.about-inner-section .wwa-grid {
  grid-template-columns: 1fr 480px;
}
.about-inner-section .mvv-grid {
  margin-top: 60px;
}

/* =============================================
   INNER PAGE — generic template layout
   ============================================= */
.inner-page-section {
  padding: 60px 0 80px;
}
.inner-page-layout {
  display: grid;
  grid-template-columns: 1fr 300px;
  gap: 48px;
  align-items: start;
}
.inner-page-main {
  min-width: 0;
}
.inner-page-sidebar {
  display: flex;
  flex-direction: column;
  gap: 24px;
  position: sticky;
  top: 100px;
}

/* Sidebar nav (sibling pages) */
.inner-sidebar-nav {
  background: #fff;
}
.inner-nav-list {
  list-style: none;
  margin: 0;
  padding: 0;
}
.inner-nav-list li {
  border-bottom: 1px solid var(--color-border);
}
.inner-nav-list li:last-child {
  border-bottom: none;
}
.inner-nav-list a {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 11px 0;
  font-size: 14px;
  font-weight: 600;
  color: var(--color-dark);
  text-decoration: none;
  transition: color 0.2s;
}
.inner-nav-list a::after {
  content: '→';
  font-size: 13px;
  color: var(--color-gold);
  opacity: 0;
  transition: opacity 0.2s;
}
.inner-nav-list li.current a,
.inner-nav-list a:hover {
  color: var(--color-green);
}
.inner-nav-list li.current a::after,
.inner-nav-list a:hover::after {
  opacity: 1;
}
.inner-nav-list li.current a {
  font-weight: 700;
}

@media (max-width: 900px) {
  .inner-page-layout {
    grid-template-columns: 1fr;
  }
  .inner-page-sidebar {
    position: static;
    order: -1;
  }
}

/* =============================================
   WHO WE ARE — text + image grid
   ============================================= */
.wwa-grid {
  display: grid;
  grid-template-columns: 1fr 420px;
  gap: 48px;
  align-items: start;
  margin-bottom: 56px;
}
.wwa-title-line {
  display: flex;
  gap: 4px;
  margin-bottom: 12px;
}
.wwa-line-green {
  display: inline-block;
  width: 32px;
  height: 4px;
  background: var(--color-green);
  border-radius: 2px;
}
.wwa-line-red {
  display: inline-block;
  width: 14px;
  height: 4px;
  background: #d32f2f;
  border-radius: 2px;
}
.wwa-heading {
  font-family: var(--font-heading);
  font-size: 2rem;
  font-weight: 800;
  color: var(--color-dark);
  margin: 0 0 20px;
}
.wwa-para {
  font-size: 15px;
  line-height: 1.8;
  color: #444;
  margin: 0 0 16px;
}
.wwa-image-wrap {
  border-radius: 12px;
  overflow: hidden;
  box-shadow: 0 8px 32px rgba(0,0,0,0.12);
}
.wwa-image {
  width: 100%;
  height: auto;
  display: block;
}

@media (max-width: 860px) {
  .wwa-grid {
    grid-template-columns: 1fr;
  }
  .wwa-image-wrap {
    order: -1;
  }
}

/* =============================================
   MVV — 4-card row
   ============================================= */
.mvv-section-wrap {
  background: #f4f6f8;
  border-radius: 16px;
  padding: 48px 40px;
  margin-top: 56px;
}
.mvv-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
}
.mvv-card {
  background: #fff;
  border-radius: 16px;
  padding: 32px 24px;
  text-align: center;
  box-shadow: 0 4px 24px rgba(0,0,0,0.08);
  border: 1px solid #e8edf2;
  transition: transform 0.25s, box-shadow 0.25s;
}
.mvv-card:hover {
  transform: translateY(-6px);
  box-shadow: 0 12px 36px rgba(0,0,0,0.13);
}
.mvv-icon {
  width: 60px;
  height: 60px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 16px;
}
.mvv-icon-green { background: var(--color-green); }
.mvv-icon-red   { background: #d32f2f; }
.mvv-title {
  font-family: var(--font-heading);
  font-size: 1.05rem;
  font-weight: 700;
  margin: 0 0 12px;
}
.mvv-title-green { color: var(--color-green); }
.mvv-title-red   { color: #d32f2f; }
.mvv-text {
  font-size: 14px;
  line-height: 1.7;
  color: #555;
  margin: 0;
}
.mvv-motto-text {
  font-weight: 700;
  font-size: 16px;
  color: var(--color-dark);
}
.mvv-values-list {
  list-style: none;
  margin: 0;
  padding: 0;
  text-align: left;
  font-size: 14px;
  color: #555;
  line-height: 2;
}
.mvv-values-list li::before {
  content: '• ';
  color: var(--color-green);
}

@media (max-width: 900px) {
  .mvv-grid {
    grid-template-columns: repeat(2, 1fr);
  }
}
@media (max-width: 520px) {
  .mvv-grid {
    grid-template-columns: 1fr;
  }
}

/* =============================================
   AWARDS — CERTIFICATIONS & COMPLIANCE
   ============================================= */
.cert-section-header {
  text-align: center;
  margin-bottom: 48px;
}
.cert-section-title {
  font-family: var(--font-heading);
  font-size: 2rem;
  font-weight: 800;
  color: var(--color-dark);
  margin: 0 0 14px;
}
.cert-section-divider {
  width: 56px;
  height: 4px;
  background: var(--color-green);
  border-radius: 2px;
  margin: 0 auto 20px;
}
.cert-section-desc {
  max-width: 640px;
  margin: 0 auto;
  font-size: 15px;
  line-height: 1.7;
  color: #555;
}
.cert-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
}
.cert-card {
  background: #fff;
  border-radius: 14px;
  padding: 28px 22px;
  border: 1px solid #e4eaf0;
  box-shadow: 0 2px 16px rgba(0,0,0,0.06);
  transition: transform 0.25s, box-shadow 0.25s;
  display: flex;
  flex-direction: column;
  gap: 8px;
}
.cert-card:hover {
  transform: translateY(-5px);
  box-shadow: 0 10px 32px rgba(0,0,0,0.1);
}
.cert-card-icon {
  width: 44px;
  height: 44px;
  background: rgba(0, 128, 0, 0.1);
  color: var(--color-green);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 6px;
  flex-shrink: 0;
}
.cert-card-title {
  font-family: var(--font-heading);
  font-size: 1rem;
  font-weight: 700;
  color: var(--color-dark);
  margin: 0;
}
.cert-card-issuer {
  font-size: 13px;
  font-weight: 600;
  color: var(--color-green);
  margin: 0;
  line-height: 1.4;
}
.cert-card-desc {
  font-size: 13.5px;
  line-height: 1.65;
  color: #555;
  margin: 4px 0 0;
  flex: 1;
}
.cert-card-valid {
  display: flex;
  align-items: center;
  gap: 6px;
  font-size: 12px;
  color: #888;
  margin-top: auto;
  padding-top: 12px;
  border-top: 1px solid #f0f2f5;
}

@media (max-width: 960px) {
  .cert-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 540px) {
  .cert-grid { grid-template-columns: 1fr; }
}

/* =============================================
   PARTNERS MARQUEE
   ============================================= */
.partners-section {
  padding: 60px 0;
  background: #f7f8fa;
  overflow: hidden;
}
.partners-title {
  text-align: center;
  font-family: var(--font-heading);
  font-size: clamp(1.4rem, 3vw, 1.9rem);
  font-weight: 700;
  color: var(--color-heading);
  margin-bottom: 36px;
}
.partners-marquee-wrap {
  overflow: hidden;
  width: 100%;
  mask-image: linear-gradient(to right, transparent 0%, black 12%, black 88%, transparent 100%);
  -webkit-mask-image: linear-gradient(to right, transparent 0%, black 12%, black 88%, transparent 100%);
}
.partners-marquee {
  display: flex;
  align-items: center;
  gap: 60px;
  width: max-content;
  animation: partners-scroll 28s linear infinite;
}
.partners-marquee:hover {
  animation-play-state: paused;
}
.partner-item {
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  padding: 12px 24px;
  background: #fff;
  border-radius: 10px;
  box-shadow: 0 2px 12px rgba(0,0,0,0.07);
  transition: box-shadow 0.2s ease, transform 0.2s ease;
}
.partner-item:hover {
  box-shadow: 0 6px 20px rgba(0,0,0,0.13);
  transform: translateY(-2px);
}
.partner-item img {
  height: 60px;
  width: auto;
  max-width: 160px;
  object-fit: contain;
  filter: grayscale(30%);
  transition: filter 0.2s ease;
}
.partner-item:hover img {
  filter: grayscale(0%);
}
@keyframes partners-scroll {
  0%   { transform: translateX(0); }
  100% { transform: translateX(-50%); }
}

/* =============================================
   LOAN CALCULATOR
   ============================================= */
.loan-calculator {
  background: var(--color-white);
  border-radius: var(--radius-lg);
  padding: 32px;
  margin: 40px 0;
  box-shadow: 0 4px 20px rgba(0,0,0,0.08);
}
.loan-calc-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 40px;
}
.loan-calc-header {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 24px;
}
.loan-calc-header svg {
  color: var(--color-primary);
}
.loan-calc-header h3 {
  font-size: var(--font-size-xl);
  font-weight: 700;
  color: var(--color-text);
  margin: 0;
}
.loan-calc-field {
  margin-bottom: 24px;
}
.loan-calc-field label {
  display: block;
  font-size: var(--font-size-sm);
  font-weight: 600;
  color: #4a5568;
  margin-bottom: 8px;
}
.loan-calc-field input[type="text"],
.loan-calc-field input[type="number"] {
  width: 100%;
  padding: 12px 16px;
  border: 1px solid #e2e8f0;
  border-radius: var(--radius-md);
  font-size: var(--font-size-base);
  transition: all var(--transition);
}
.loan-calc-field input[type="text"]:focus,
.loan-calc-field input[type="number"]:focus {
  outline: none;
  border-color: var(--color-primary);
  box-shadow: 0 0 0 3px rgba(0, 128, 0, 0.1);
}
.loan-calc-field input[readonly] {
  background: #f7fafc;
  color: #4a5568;
  cursor: not-allowed;
}
.loan-calc-input-group {
  position: relative;
}
.loan-calc-prefix {
  position: absolute;
  left: 16px;
  top: 50%;
  transform: translateY(-50%);
  font-weight: 600;
  color: #4a5568;
  font-size: var(--font-size-sm);
}
.loan-calc-input-group input {
  padding-left: 64px !important;
}
.loan-calc-field input[type="range"] {
  width: 100%;
  height: 6px;
  border-radius: 3px;
  background: linear-gradient(to right, #ffd4d4 0%, #ffd4d4 100%);
  outline: none;
  margin-top: 12px;
  -webkit-appearance: none;
}
.loan-calc-field input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 18px;
  height: 18px;
  border-radius: 50%;
  background: var(--color-primary);
  cursor: pointer;
  box-shadow: 0 2px 6px rgba(0,0,0,0.2);
}
.loan-calc-field input[type="range"]::-moz-range-thumb {
  width: 18px;
  height: 18px;
  border-radius: 50%;
  background: var(--color-primary);
  cursor: pointer;
  border: none;
  box-shadow: 0 2px 6px rgba(0,0,0,0.2);
}
.loan-calc-range-labels {
  display: flex;
  justify-content: space-between;
  margin-top: 6px;
}
.loan-calc-range-labels span {
  font-size: 11px;
  color: #718096;
}
.loan-calc-rate {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 16px;
  background: #f7fafc;
  border-radius: var(--radius-md);
}
.loan-calc-rate label {
  margin: 0;
  font-weight: 600;
  color: #4a5568;
}
.loan-calc-rate-badge {
  background: var(--color-red);
  color: var(--color-white);
  padding: 6px 16px;
  border-radius: var(--radius-full);
  font-weight: 700;
  font-size: var(--font-size-base);
}
.loan-calc-rate-note {
  font-size: 12px;
  color: #718096;
  margin: 8px 0 0;
  flex-basis: 100%;
}
.loan-calc-btn {
  width: 100%;
  background: var(--color-primary);
  color: var(--color-white);
  border: none;
  padding: 14px 24px;
  border-radius: var(--radius-md);
  font-size: var(--font-size-base);
  font-weight: 700;
  cursor: pointer;
  transition: all var(--transition);
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
}
.loan-calc-btn:hover {
  background: var(--color-primary-dark);
  transform: translateY(-2px);
  box-shadow: 0 6px 16px rgba(0, 128, 0, 0.3);
}
.loan-calc-results {
  background: #f7fafc;
  border-radius: var(--radius-lg);
  padding: 28px;
}
.loan-calc-monthly-payment {
  text-align: center;
  margin-bottom: 32px;
  padding-bottom: 24px;
  border-bottom: 1px solid #e2e8f0;
}
.loan-calc-label {
  font-size: 12px;
  font-weight: 600;
  color: #718096;
  letter-spacing: 0.05em;
  margin-bottom: 12px;
}
.loan-calc-amount {
  font-size: 2.5rem;
  font-weight: 800;
  color: var(--color-primary);
  font-family: var(--font-display);
}
.loan-calc-breakdown {
  display: flex;
  flex-direction: column;
  gap: 16px;
}
.loan-calc-breakdown-item {
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: var(--font-size-sm);
}
.loan-calc-breakdown-item svg {
  color: #718096;
  flex-shrink: 0;
}
.loan-calc-breakdown-item span {
  color: #4a5568;
  flex: 1;
}
.loan-calc-breakdown-item strong {
  color: var(--color-text);
  font-weight: 600;
}
.loan-calc-schedule-btn {
  width: 100%;
  background: transparent;
  border: 1px solid #e2e8f0;
  color: var(--color-primary);
  padding: 12px 20px;
  border-radius: var(--radius-md);
  font-size: var(--font-size-sm);
  font-weight: 600;
  cursor: pointer;
  margin-top: 24px;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  transition: all var(--transition);
}
.loan-calc-schedule-btn:hover {
  background: #f7fafc;
  border-color: var(--color-primary);
}

/* Modal styling */
.loan-calc-modal-overlay {
  position: fixed;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  background: rgba(0,0,0,0.6);
  z-index: 9999;
  display: flex;
  align-items: center;
  justify-content: center;
  opacity: 0;
  visibility: hidden;
  transition: all 0.3s ease;
  backdrop-filter: blur(4px);
}
.loan-calc-modal-overlay.active {
  opacity: 1;
  visibility: visible;
}
.loan-calc-modal {
  background: var(--color-white);
  border-radius: var(--radius-lg);
  width: 90%;
  max-width: 800px;
  max-height: 90vh;
  display: flex;
  flex-direction: column;
  box-shadow: 0 20px 40px rgba(0,0,0,0.2);
  transform: translateY(20px);
  transition: all 0.3s ease;
}
.loan-calc-modal-overlay.active .loan-calc-modal {
  transform: translateY(0);
}
.loan-calc-modal-header {
  padding: 20px 24px;
  border-bottom: 1px solid #e2e8f0;
  display: flex;
  justify-content: space-between;
  align-items: center;
}
.loan-calc-modal-header h4 {
  margin: 0;
  font-size: var(--font-size-lg);
  color: var(--color-text);
  display: flex;
  align-items: center;
  gap: 10px;
}
.loan-calc-modal-close {
  background: none;
  border: none;
  color: #718096;
  cursor: pointer;
  padding: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: var(--radius-full);
  transition: all 0.2s;
}
.loan-calc-modal-close:hover {
  background: #f7fafc;
  color: var(--color-text);
}
.loan-calc-modal-body {
  padding: 24px;
  overflow-y: auto;
  flex: 1;
}
.loan-calc-schedule-table {
  width: 100%;
}
.loan-calc-schedule-table table {
  width: 100%;
  border-collapse: collapse;
  font-size: var(--font-size-sm);
  text-align: right;
}
.loan-calc-schedule-table table th {
  padding: 12px 16px;
  font-weight: 600;
  color: #4a5568;
  border-bottom: 2px solid #e2e8f0;
  background: #f7fafc;
  position: sticky;
  top: 0;
}
.loan-calc-schedule-table table th:first-child {
  text-align: left;
}
.loan-calc-schedule-table table td {
  padding: 12px 16px;
  border-bottom: 1px solid #e2e8f0;
  color: var(--color-text);
}
.loan-calc-schedule-table table td:first-child {
  text-align: left;
  font-weight: 600;
  color: #4a5568;
}
.loan-calc-schedule-table table tbody tr:hover td {
  background: #f7fafc;
}
.loan-calc-schedule {
  display: none;
}

/* Sidebar calculator styling */
.sidebar .loan-calculator {
  padding: 20px;
  margin: 0;
}
.sidebar .loan-calc-grid {
  grid-template-columns: 1fr;
  gap: 24px;
}
.sidebar .loan-calc-amount {
  font-size: 1.75rem;
}
.sidebar .loan-calc-header h3 {
  font-size: var(--font-size-base);
}
.sidebar .loan-calc-field {
  margin-bottom: 16px;
}

@media (max-width: 900px) {
  .loan-calc-grid {
    grid-template-columns: 1fr;
    gap: 32px;
  }
  .loan-calc-amount {
    font-size: 2rem;
  }
}

/* =============================================
   ANIMATIONS
   ============================================= */
@keyframes fadeUp {
  from { opacity: 0; transform: translateY(24px); }
  to { opacity: 1; transform: translateY(0); }
}
.animate-fade-up { animation: fadeUp 0.6s ease forwards; }
.animate-delay-1 { animation-delay: 0.1s; }
.animate-delay-2 { animation-delay: 0.2s; }
.animate-delay-3 { animation-delay: 0.3s; }
.animate-delay-4 { animation-delay: 0.4s; }