/* ================================================================
   TESTIMONY SACCO — Main Stylesheet
   Warm Community Feel | Navy + Gold + Warm White
   ================================================================ */

@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:wght@400;600;700&family=DM+Sans:wght@300;400;500;600&display=swap');

:root {
  --navy:      #1F3864;
  --navy-dark: #0d2244;
  --navy-mid:  #2d5fa6;
  --gold:      #C9A84C;
  --gold-light:#f0d080;
  --gold-pale: #fdf6e3;
  --white:     #ffffff;
  --warm-bg:   #faf8f4;
  --warm-gray: #f0ece4;
  --text:      #2c2c2c;
  --text-light:#666;
  --border:    #e0d8cc;
  --success:   #2e7d32;
  --danger:    #c62828;
  --radius:    12px;
  --shadow:    0 4px 24px rgba(31,56,100,.10);
  --shadow-lg: 0 12px 48px rgba(31,56,100,.18);
  --transition:0.3s ease;
}

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

html { scroll-behavior: smooth; }

body {
  font-family: 'DM Sans', sans-serif;
  background: var(--warm-bg);
  color: var(--text);
  line-height: 1.65;
  font-size: 16px;
}

h1,h2,h3,h4 {
  font-family: 'Playfair Display', serif;
  font-weight: 700;
  line-height: 1.2;
}

a { color: var(--navy); text-decoration: none; transition: color var(--transition); }
a:hover { color: var(--gold); }
img { max-width: 100%; display: block; }

/* ── LOGO ───────────────────────────────────────────────────── */
.logo-wrap {
  display: flex;
  align-items: center;
  gap: 12px;
  text-decoration: none;
}
.logo-icon {
  width: 52px; height: 52px;
  background: linear-gradient(135deg, var(--navy), var(--navy-mid));
  border-radius: 14px;
  display: flex; align-items: center; justify-content: center;
  font-size: 26px;
  box-shadow: 0 4px 12px rgba(31,56,100,.3);
  flex-shrink: 0;
  position: relative;
  overflow: hidden;
}
.logo-icon::after {
  content: '';
  position: absolute; inset: 0;
  background: linear-gradient(135deg, transparent 50%, rgba(201,168,76,.3));
}
.logo-text { display: flex; flex-direction: column; }
.logo-name {
  font-family: 'Playfair Display', serif;
  font-size: 16px; font-weight: 700;
  color: var(--navy);
  line-height: 1;
}
.logo-sub {
  font-size: 10px; color: var(--gold);
  font-weight: 600; letter-spacing: 1px;
  text-transform: uppercase; margin-top: 2px;
}

/* ── NAV ────────────────────────────────────────────────────── */
.nav {
  position: fixed; top: 0; left: 0; right: 0; z-index: 1000;
  background: var(--white);
  box-shadow: 0 2px 16px rgba(31,56,100,.08);
  padding: 0 24px;
  width: 100%;
  box-sizing: border-box;
}
.nav-inner {
  max-width: 1200px; margin: 0 auto;
  display: flex; align-items: center; justify-content: space-between;
  height: 72px;
  width: 100%;
  box-sizing: border-box;
}
.nav-links {
  display: flex; align-items: center; gap: 6px;
  list-style: none;
}
.nav-links a {
  padding: 8px 14px; border-radius: 8px;
  font-size: 14px; font-weight: 500; color: var(--text);
  transition: all var(--transition);
}
.nav-links a:hover, .nav-links a.active {
  background: var(--gold-pale); color: var(--navy);
}
.nav-cta {
  background: var(--navy) !important;
  color: var(--white) !important;
  padding: 10px 22px !important;
  border-radius: 24px !important;
  font-weight: 600 !important;
  box-shadow: 0 2px 12px rgba(31,56,100,.25) !important;
  border: 2px solid var(--navy) !important;
}
.nav-cta:hover {
  background: var(--gold) !important;
  color: var(--navy) !important;
  border-color: var(--gold) !important;
  box-shadow: 0 4px 16px rgba(201,168,76,.35) !important;
}

.hamburger {
  display: none; flex-direction: column; gap: 5px;
  background: none; border: none; cursor: pointer;
  padding: 12px 10px;
  min-width: 44px; min-height: 44px;
  align-items: center; justify-content: center;
  touch-action: manipulation;
  -webkit-tap-highlight-color: transparent;
}
.hamburger span {
  width: 24px; height: 2px;
  background: var(--navy); border-radius: 2px;
  transition: all var(--transition);
  pointer-events: none;
}
.mobile-menu {
  position: fixed; top: 0; right: 0;
  width: 75%; max-width: 320px; height: 100vh;
  z-index: 9999;
  background: var(--white);
  flex-direction: column;
  align-items: flex-start; justify-content: flex-start;
  gap: 0;
  padding-top: 72px; padding-left: 28px; padding-right: 28px;
  box-shadow: -8px 0 40px rgba(31,56,100,.18);
  /* Slide from right — hidden by default */
  transform: translateX(100%);
  transition: transform 0.35s cubic-bezier(.22,1,.36,1);
  display: flex; /* always flex, controlled by transform */
  pointer-events: none;
}
.mobile-menu.open {
  transform: translateX(0);
  pointer-events: all;
}
/* Dark overlay behind menu */
.mobile-menu::before {
  content: '';
  position: fixed;
  top: 0; left: 0; right: 0; bottom: 0;
  background: rgba(0,0,0,0);
  z-index: -1;
  transition: background 0.35s ease;
  pointer-events: none;
}
.mobile-menu.open::before {
  background: rgba(0,0,0,0.35);
  pointer-events: all;
  left: -100vw;
  width: 200vw;
}
.mobile-menu a {
  font-size: 20px; font-weight: 600;
  font-family: 'Playfair Display', serif;
  color: var(--navy);
  padding: 14px 0;
  width: 100%;
  border-bottom: 1px solid var(--border);
  opacity: 0;
  transform: translateX(20px);
  transition: opacity 0.3s ease, transform 0.3s ease, color 0.2s ease;
}
.mobile-menu.open a {
  opacity: 1;
  transform: translateX(0);
}
/* Stagger each link */
.mobile-menu.open a:nth-child(2) { transition-delay: 0.08s; }
.mobile-menu.open a:nth-child(3) { transition-delay: 0.14s; }
.mobile-menu.open a:nth-child(4) { transition-delay: 0.20s; }
.mobile-menu.open a:nth-child(5) { transition-delay: 0.26s; }
.mobile-menu.open a:nth-child(6) { transition-delay: 0.32s; }
.mobile-menu.open a:nth-child(7) { transition-delay: 0.38s; }
.mobile-menu a:last-child { border-bottom: none; }
.mobile-menu a:hover { color: var(--gold); }
.mobile-close {
  position: absolute; top: 18px; right: 20px;
  background: var(--warm-gray);
  border: 1.5px solid var(--border);
  border-radius: 20px;
  padding: 5px 14px;
  font-size: 13px; font-weight: 700;
  cursor: pointer; color: var(--navy);
  font-family: 'DM Sans', sans-serif;
  letter-spacing: 0.5px;
  transition: background 0.2s ease;
}
.mobile-close:hover {
  background: var(--navy); color: var(--white);
}

/* ── HERO ───────────────────────────────────────────────────── */
.hero {
  background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy) 60%, #2d5fa6 100%);
  position: relative; overflow: hidden;
  padding: 172px 24px 80px;
  text-align: center; color: var(--white);
}
.hero::before {
  content: '';
  position: absolute; inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23C9A84C' fill-opacity='0.06'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}
.hero::after {
  content: ''; position: absolute; bottom: -2px; left: 0; right: 0;
  height: 60px;
  background: var(--warm-bg);
  clip-path: ellipse(55% 100% at 50% 100%);
}
.hero-inner { max-width: 800px; margin: 0 auto; position: relative; }
.hero-badge {
  display: inline-block;
  background: rgba(201,168,76,.2); border: 1px solid rgba(201,168,76,.4);
  color: var(--gold-light); font-size: 12px; font-weight: 600;
  letter-spacing: 2px; text-transform: uppercase;
  padding: 6px 18px; border-radius: 20px; margin-bottom: 24px;
}
.hero h1 {
  font-size: clamp(32px, 6vw, 60px);
  margin-bottom: 20px; color: var(--white);
}
.hero h1 span { color: var(--gold-light); }
.hero p {
  font-size: clamp(16px, 2vw, 20px);
  color: rgba(255,255,255,.8); max-width: 600px; margin: 0 auto 36px;
}
.hero-btns { display: flex; gap: 14px; justify-content: center; flex-wrap: wrap; }
.btn {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 14px 28px; border-radius: 50px;
  font-size: 15px; font-weight: 600; cursor: pointer;
  border: none; transition: all var(--transition);
  text-decoration: none;
}
.btn-primary { background: var(--gold); color: var(--navy); }
.btn-primary:hover { background: var(--gold-light); transform: translateY(-2px); box-shadow: 0 8px 24px rgba(201,168,76,.4); color: var(--navy); }
.btn-outline { background: transparent; color: var(--white); border: 2px solid rgba(255,255,255,.5); }
.btn-outline:hover { border-color: var(--white); background: rgba(255,255,255,.1); color: var(--white); }
.btn-navy { background: var(--navy); color: var(--white); border: 2px solid var(--navy); }
.btn-navy:hover { background: var(--navy-dark); transform: translateY(-2px); color: var(--white); }

/* ── STATS BAR ───────────────────────────────────────────────── */
.stats-bar {
  background: var(--white); box-shadow: var(--shadow);
  padding: 32px 24px; margin-bottom: 0;
}
.stats-inner {
  max-width: 1000px; margin: 0 auto;
  display: grid; grid-template-columns: repeat(auto-fit, minmax(160px, 1fr));
  gap: 24px; text-align: center;
}
.stat-item { padding: 8px; }
.stat-num {
  font-family: 'Playfair Display', serif;
  font-size: 36px; font-weight: 700; color: var(--navy);
  line-height: 1;
}
.stat-num span { color: var(--gold); }
.stat-label { font-size: 13px; color: var(--text-light); margin-top: 6px; font-weight: 500; }

/* ── SECTION ─────────────────────────────────────────────────── */
.section { padding: 80px 24px; }
.section-inner { max-width: 1200px; margin: 0 auto; }
.section-alt { background: var(--warm-gray); }
.section-navy { background: var(--navy); color: var(--white); }

.section-label {
  font-size: 11px; font-weight: 700; letter-spacing: 3px;
  text-transform: uppercase; color: var(--gold); margin-bottom: 12px;
}
.section-title {
  font-size: clamp(28px, 4vw, 42px); color: #1F3864 !important; margin-bottom: 16px;
}
/* Explicit light mode — overrides any CSS variable changes */
:root .section-title,
html:not([data-theme="dark"]) .section-title {
  color: #1F3864 !important;
}
.section-navy .section-title { color: var(--white); }
.section-sub {
  font-size: 17px; color: var(--text-light); max-width: 600px; margin-bottom: 48px;
}
.section-navy .section-sub { color: rgba(255,255,255,.75); }
.center { text-align: center; }
.center .section-sub { margin-left: auto; margin-right: auto; }

/* ── CARDS ───────────────────────────────────────────────────── */
.cards { display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); gap: 24px; }
.card {
  background: var(--white); border-radius: var(--radius);
  padding: 32px; box-shadow: var(--shadow);
  border: 1px solid var(--border);
  transition: all var(--transition);
  position: relative; overflow: hidden;
}
.card::before {
  content: ''; position: absolute; top: 0; left: 0; right: 0;
  height: 4px; background: var(--gold);
}
.card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); }
.card-icon {
  width: 56px; height: 56px; border-radius: 14px;
  background: var(--gold-pale);
  display: flex; align-items: center; justify-content: center;
  font-size: 26px; margin-bottom: 20px;
}
.card h3 { font-size: 20px; color: var(--navy); margin-bottom: 10px; }
.card p { font-size: 14px; color: var(--text-light); line-height: 1.7; }
.card-rate {
  margin-top: 18px; padding-top: 18px; border-top: 1px solid var(--border);
  font-size: 13px; color: var(--text-light);
}
.card-rate strong { color: var(--navy); font-size: 22px; font-family: 'Playfair Display', serif; }

/* ── WHY US ──────────────────────────────────────────────────── */
.why-grid {
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 48px; align-items: center;
}
.why-list { display: flex; flex-direction: column; gap: 24px; margin-top: 32px; }
.why-item { display: flex; gap: 16px; align-items: flex-start; }
.why-check {
  width: 36px; height: 36px; border-radius: 50%;
  background: var(--gold-pale); color: var(--gold);
  display: flex; align-items: center; justify-content: center;
  font-size: 16px; flex-shrink: 0; margin-top: 2px;
}
.why-item h4 { font-size: 16px; color: var(--navy); margin-bottom: 4px; }
.why-item p { font-size: 14px; color: var(--text-light); }
.why-img {
  background: linear-gradient(135deg, var(--navy), var(--navy-mid));
  border-radius: 20px; padding: 48px 32px;
  text-align: center; color: var(--white);
  box-shadow: var(--shadow-lg);
}
.why-img-num {
  font-family: 'Playfair Display', serif;
  font-size: 72px; font-weight: 700; color: var(--gold); line-height: 1;
}
.why-img p { color: rgba(255,255,255,.8); font-size: 15px; margin-top: 8px; }
.why-img-badges { display: flex; flex-direction: column; gap: 12px; margin-top: 32px; }
.why-badge {
  background: rgba(255,255,255,.1); border: 1px solid rgba(255,255,255,.2);
  border-radius: 10px; padding: 12px 16px;
  display: flex; align-items: center; gap: 10px;
  font-size: 13px; font-weight: 500; color: var(--white);
}

/* ── NEWS ────────────────────────────────────────────────────── */
.news-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(300px, 1fr)); gap: 24px; }
.news-card {
  background: var(--white); border-radius: var(--radius);
  overflow: hidden; box-shadow: var(--shadow);
  border: 1px solid var(--border); transition: all var(--transition);
  position: relative; z-index: 0;
}
.news-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); z-index: 2; }
.news-img {
  height: 180px;
  background: linear-gradient(135deg, var(--navy), var(--navy-mid));
  display: flex; align-items: center; justify-content: center;
  font-size: 48px;
}
.news-body { padding: 24px; }
.news-date { font-size: 12px; color: var(--gold); font-weight: 600; margin-bottom: 8px; }
.news-body h3 { font-size: 18px; color: var(--navy); margin-bottom: 10px; line-height: 1.3; }
.news-body p { font-size: 14px; color: var(--text-light); }
.news-tag {
  display: inline-block; background: var(--gold-pale);
  color: var(--gold); font-size: 11px; font-weight: 700;
  letter-spacing: 1px; text-transform: uppercase;
  padding: 3px 10px; border-radius: 20px; margin-bottom: 10px;
}

/* ── TESTIMONIALS ────────────────────────────────────────────── */
.testi-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); gap: 20px; }
.testi-card {
  background: rgba(255,255,255,.08); border: 1px solid rgba(255,255,255,.15);
  border-radius: var(--radius); padding: 28px;
}
.testi-text { font-size: 15px; color: rgba(255,255,255,.9); font-style: italic; margin-bottom: 20px; line-height: 1.8; }
.testi-author { display: flex; align-items: center; gap: 12px; }
.testi-avatar {
  width: 44px; height: 44px; border-radius: 50%;
  background: var(--gold); display: flex; align-items: center;
  justify-content: center; font-size: 18px; font-weight: 700;
  color: var(--navy); font-family: 'Playfair Display', serif;
  flex-shrink: 0;
}
.testi-name { font-size: 14px; font-weight: 600; color: var(--white); }
.testi-role { font-size: 12px; color: rgba(255,255,255,.6); }
.stars { color: var(--gold); font-size: 13px; margin-bottom: 12px; }

/* ── CTA BAND ────────────────────────────────────────────────── */
.cta-band {
  background: linear-gradient(135deg, var(--gold), #a8872e);
  padding: 60px 24px; text-align: center;
}
.cta-band h2 { font-size: clamp(26px, 4vw, 40px); color: var(--navy); margin-bottom: 12px; }
.cta-band p { font-size: 17px; color: rgba(31,56,100,.75); margin-bottom: 32px; }

/* ── FOOTER ──────────────────────────────────────────────────── */
footer {
  background: var(--navy-dark); color: var(--white); padding: 60px 24px 24px;
}
.footer-inner {
  max-width: 1200px; margin: 0 auto;
  display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 40px;
}
.footer-brand .logo-name { color: var(--white); }
.footer-brand p { font-size: 14px; color: rgba(255,255,255,.6); margin-top: 14px; line-height: 1.7; }
.footer-col h4 {
  font-size: 13px; font-weight: 700; letter-spacing: 2px;
  text-transform: uppercase; color: var(--gold); margin-bottom: 16px;
}
.footer-col ul { list-style: none; display: flex; flex-direction: column; gap: 10px; }
.footer-col ul a { font-size: 14px; color: rgba(255,255,255,.7); touch-action: manipulation; -webkit-tap-highlight-color: transparent; cursor: pointer !important; }
.footer-col ul a:hover { color: var(--gold); }
.footer-contact { font-size: 14px; color: rgba(255,255,255,.7); display: flex; flex-direction: column; gap: 10px; }
.footer-contact span { display: flex; align-items: center; gap: 8px; }
.footer-bottom {
  max-width: 1200px; margin: 40px auto 0;
  padding-top: 20px; border-top: 1px solid rgba(255,255,255,.1);
  display: flex; justify-content: space-between; align-items: center;
  font-size: 13px; color: rgba(255,255,255,.5);
}
.footer-reg { font-size: 11px; color: var(--gold); letter-spacing: 1px; margin-top: 6px; }

/* ── WHATSAPP FLOAT ──────────────────────────────────────────── */
.whatsapp-float {
  position: fixed; bottom: 24px; right: 24px; z-index: 999;
  width: 56px; height: 56px; border-radius: 50%;
  background: #25D366; color: var(--white);
  display: flex; align-items: center; justify-content: center;
  font-size: 26px; box-shadow: 0 4px 20px rgba(37,211,102,.5);
  text-decoration: none; transition: all var(--transition);
  animation: pulse-wa 2s infinite;
}
.whatsapp-float:hover { transform: scale(1.1); color: var(--white); }
@keyframes pulse-wa {
  0%,100%{ box-shadow: 0 4px 20px rgba(37,211,102,.5); }
  50%{ box-shadow: 0 4px 32px rgba(37,211,102,.8); }
}

/* ── PAGE HERO ───────────────────────────────────────────────── */
.page-hero {
  background: linear-gradient(135deg, var(--navy-dark), var(--navy));
  padding: 132px 24px 60px; text-align: center; color: var(--white);
}
.page-hero h1 { font-size: clamp(28px, 5vw, 48px); color: var(--white); margin-bottom: 12px; }
.page-hero p { font-size: 17px; color: rgba(255,255,255,.75); }
.breadcrumb { font-size: 13px; color: rgba(255,255,255,.5); margin-bottom: 16px; }
.breadcrumb a { color: var(--gold); }

/* ── FORMS ───────────────────────────────────────────────────── */
.form-wrap {
  background: var(--white); border-radius: var(--radius);
  padding: 40px; box-shadow: var(--shadow);
  border: 1px solid var(--border);
  max-width: 560px; margin: 0 auto;
}
.form-wrap h2 { font-size: 24px; color: var(--navy); margin-bottom: 6px; }
.form-wrap p { font-size: 14px; color: var(--text-light); margin-bottom: 28px; }
.form-group { margin-bottom: 20px; }
.form-group label {
  display: block; font-size: 13px; font-weight: 600;
  color: var(--navy); margin-bottom: 6px;
}
.form-group input, .form-group select, .form-group textarea {
  width: 100%; padding: 12px 16px;
  border: 1.5px solid var(--border); border-radius: 10px;
  font-size: 15px; font-family: 'DM Sans', sans-serif;
  background: var(--warm-bg); color: var(--text);
  transition: border-color var(--transition);
  outline: none;
}
.form-group input:focus, .form-group select:focus, .form-group textarea:focus {
  border-color: var(--navy); background: var(--white);
}
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-error { font-size: 12px; color: var(--danger); margin-top: 4px; }
.form-hint { font-size: 12px; color: var(--text-light); margin-top: 4px; }

/* ── CONTACT ─────────────────────────────────────────────────── */
.contact-grid { display: grid; grid-template-columns: 1fr 1.2fr; gap: 48px; align-items: start; }
.contact-info { display: flex; flex-direction: column; gap: 24px; }
.contact-card {
  background: var(--white); border-radius: var(--radius);
  padding: 24px; box-shadow: var(--shadow); border: 1px solid var(--border);
  display: flex; gap: 16px; align-items: flex-start;
}
.contact-icon {
  width: 48px; height: 48px; border-radius: 12px;
  background: var(--gold-pale); color: var(--gold);
  display: flex; align-items: center; justify-content: center;
  font-size: 22px; flex-shrink: 0;
}
.contact-card h4 { font-size: 15px; color: var(--navy); margin-bottom: 4px; }
.contact-card p { font-size: 14px; color: var(--text-light); }

/* ── MAP ─────────────────────────────────────────────────────── */
.map-frame {
  border-radius: var(--radius); overflow: hidden;
  box-shadow: var(--shadow); height: 380px;
  background: var(--warm-gray);
  display: flex; align-items: center; justify-content: center;
}
.map-placeholder {
  text-align: center; color: var(--text-light);
  padding: 40px;
}

/* ── ABOUT ───────────────────────────────────────────────────── */
.values-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(200px, 1fr)); gap: 20px; }
.value-card {
  background: var(--white); border-radius: var(--radius);
  padding: 28px 20px; text-align: center;
  box-shadow: var(--shadow); border: 1px solid var(--border);
}
.value-icon { font-size: 36px; margin-bottom: 14px; }
.value-card h3 { font-size: 16px; color: var(--navy); margin-bottom: 8px; }
.value-card p { font-size: 13px; color: var(--text-light); }
.board-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(200px, 1fr)); gap: 24px; }
.board-card {
  background: var(--white); border-radius: var(--radius);
  padding: 28px 20px; text-align: center;
  box-shadow: var(--shadow); border: 1px solid var(--border);
}
.board-avatar {
  width: 72px; height: 72px; border-radius: 50%;
  background: linear-gradient(135deg, var(--navy), var(--navy-mid));
  display: flex; align-items: center; justify-content: center;
  font-size: 28px; font-weight: 700; color: var(--gold);
  font-family: 'Playfair Display', serif;
  margin: 0 auto 16px;
}
.board-card h3 { font-size: 16px; color: var(--navy); margin-bottom: 4px; }
.board-card p { font-size: 13px; color: var(--text-light); }
.board-role { font-size: 12px; font-weight: 700; color: var(--gold); letter-spacing: 1px; text-transform: uppercase; margin-bottom: 6px; }

/* ── SERVICES ────────────────────────────────────────────────── */
.service-big {
  display: grid; grid-template-columns: 1fr 1fr; gap: 32px;
  align-items: center; margin-bottom: 48px; padding-bottom: 48px;
  border-bottom: 1px solid var(--border);
}
.service-big:last-child { border-bottom: none; margin-bottom: 0; }
.service-big:nth-child(even) { direction: rtl; }
.service-big:nth-child(even) > * { direction: ltr; }
.service-img {
  border-radius: 20px; overflow: hidden; height: 280px;
  display: flex; align-items: center; justify-content: center;
  font-size: 64px;
}
.service-img.blue { background: linear-gradient(135deg, #e3f0ff, #b8d4ff); }
.service-img.orange { background: linear-gradient(135deg, #fff3e0, #ffd699); }
.service-img.purple { background: linear-gradient(135deg, #f3e5f5, #d8b4f0); }
.service-img.green { background: linear-gradient(135deg, #e8f5e9, #a8d8a8); }
.service-img.gold { background: linear-gradient(135deg, var(--gold-pale), #f0d080); }
.service-content h2 { font-size: 28px; color: var(--navy); margin-bottom: 14px; }
.service-content p { font-size: 15px; color: var(--text-light); line-height: 1.75; margin-bottom: 20px; }
.service-bullets { list-style: none; display: flex; flex-direction: column; gap: 10px; }
.service-bullets li { display: flex; align-items: center; gap: 10px; font-size: 14px; color: var(--text); }
.service-bullets li::before { content: '✓'; color: var(--gold); font-weight: 700; }

/* ── NEWS PAGE ───────────────────────────────────────────────── */
.news-filter { display: flex; gap: 10px; flex-wrap: wrap; margin-bottom: 32px; overflow: visible; }
.filter-btn {
  padding: 8px 18px; border-radius: 24px;
  border: 1.5px solid var(--border); background: var(--white);
  font-size: 13px; font-weight: 600; cursor: pointer;
  color: var(--text-light); transition: all var(--transition);
}
.filter-btn.active, .filter-btn:hover {
  background: var(--navy); color: var(--white); border-color: var(--navy);
}

/* ── LOGIN / MEMBER PORTAL ───────────────────────────────────── */
.portal-wrap {
  min-height: calc(100vh - 72px);
  display: flex; align-items: center; justify-content: center;
  padding: 40px 24px;
  background: linear-gradient(135deg, var(--warm-gray), var(--warm-bg));
}
.dashboard {
  max-width: 1100px; margin: 0 auto; padding: 40px 24px;
}
.dash-header {
  background: linear-gradient(135deg, var(--navy), var(--navy-mid));
  border-radius: 20px; padding: 32px; color: var(--white);
  margin-bottom: 28px; display: flex; justify-content: space-between; align-items: center;
}
.dash-cards { display: grid; grid-template-columns: repeat(auto-fit, minmax(200px, 1fr)); gap: 20px; margin-bottom: 28px; }
.dash-card {
  background: var(--white); border-radius: var(--radius);
  padding: 24px; box-shadow: var(--shadow); border: 1px solid var(--border);
  text-align: center;
}
.dash-card-val {
  font-family: 'Playfair Display', serif;
  font-size: 28px; font-weight: 700; color: var(--navy); margin: 8px 0;
}
.dash-card-lbl { font-size: 12px; color: var(--text-light); font-weight: 600; text-transform: uppercase; letter-spacing: 1px; }
.dash-card-ico { font-size: 28px; }
.dash-section {
  background: var(--white); border-radius: var(--radius);
  padding: 28px; box-shadow: var(--shadow); border: 1px solid var(--border);
  margin-bottom: 20px;
}
.dash-section h3 { font-size: 18px; color: var(--navy); margin-bottom: 16px; padding-bottom: 12px; border-bottom: 1px solid var(--border); }
.data-table { width: 100%; border-collapse: collapse; font-size: 14px; }
.data-table th { background: var(--warm-gray); color: var(--navy); font-weight: 600; padding: 10px 14px; text-align: left; font-size: 12px; text-transform: uppercase; letter-spacing: 1px; }
.data-table td { padding: 12px 14px; border-bottom: 1px solid var(--border); color: var(--text); }
.data-table tr:last-child td { border-bottom: none; }
.badge { display: inline-block; padding: 3px 10px; border-radius: 20px; font-size: 11px; font-weight: 700; text-transform: uppercase; letter-spacing: 1px; }
.badge-green { background: #e8f5e9; color: var(--success); }
.badge-red { background: #ffebee; color: var(--danger); }
.badge-gold { background: var(--gold-pale); color: #8a6820; }
.badge-blue { background: #e3f2fd; color: #1565c0; }

/* ── ADMIN PANEL ─────────────────────────────────────────────── */
.admin-layout { display: grid; grid-template-columns: 240px 1fr; min-height: calc(100vh - 72px); }
.admin-sidebar {
  background: var(--navy-dark); padding: 28px 16px;
  display: flex; flex-direction: column; gap: 4px;
}
.admin-sidebar h3 {
  font-size: 11px; font-weight: 700; letter-spacing: 2px;
  text-transform: uppercase; color: rgba(255,255,255,.4);
  padding: 16px 12px 8px; margin-top: 8px;
}
.admin-nav-link {
  display: flex; align-items: center; gap: 10px;
  padding: 11px 14px; border-radius: 10px;
  font-size: 14px; font-weight: 500; color: rgba(255,255,255,.7);
  cursor: pointer; transition: all var(--transition);
  border: none; background: none; width: 100%; text-align: left;
}
.admin-nav-link:hover, .admin-nav-link.active {
  background: rgba(255,255,255,.1); color: var(--white);
}
.admin-nav-link .ico { font-size: 18px; }
.admin-main { padding: 32px; background: var(--warm-bg); overflow-y: auto; }
.admin-topbar {
  display: flex; justify-content: space-between; align-items: center;
  margin-bottom: 28px;
}
.admin-topbar h2 { font-size: 24px; color: var(--navy); }
.admin-cards { display: grid; grid-template-columns: repeat(auto-fit, minmax(180px, 1fr)); gap: 16px; margin-bottom: 28px; }
.admin-card {
  background: var(--white); border-radius: var(--radius);
  padding: 20px; box-shadow: var(--shadow); border: 1px solid var(--border);
  display: flex; align-items: center; gap: 14px;
}
.admin-card-ico {
  width: 44px; height: 44px; border-radius: 10px;
  display: flex; align-items: center; justify-content: center; font-size: 20px;
}
.admin-card-ico.navy { background: #e8eef8; }
.admin-card-ico.gold { background: var(--gold-pale); }
.admin-card-ico.green { background: #e8f5e9; }
.admin-card-val { font-size: 24px; font-weight: 700; color: var(--navy); line-height: 1; }
.admin-card-lbl { font-size: 12px; color: var(--text-light); }
.admin-section {
  background: var(--white); border-radius: var(--radius);
  padding: 28px; box-shadow: var(--shadow); border: 1px solid var(--border);
  margin-bottom: 20px;
}
.admin-section-hdr {
  display: flex; justify-content: space-between; align-items: center;
  margin-bottom: 20px; padding-bottom: 16px; border-bottom: 1px solid var(--border);
}
.admin-section-hdr h3 { font-size: 17px; color: var(--navy); }

/* ── ALERT / TOAST ───────────────────────────────────────────── */
.alert {
  padding: 14px 18px; border-radius: 10px; font-size: 14px;
  margin-bottom: 16px; display: flex; align-items: center; gap: 10px;
}
.alert-success { background: #e8f5e9; color: var(--success); border: 1px solid #a5d6a7; }
.alert-error { background: #ffebee; color: var(--danger); border: 1px solid #ef9a9a; }
.alert-info { background: #e3f2fd; color: #1565c0; border: 1px solid #90caf9; }

/* ── LOADER ──────────────────────────────────────────────────── */
.loader {
  display: inline-block; width: 20px; height: 20px;
  border: 2px solid rgba(31,56,100,.2);
  border-top-color: var(--navy); border-radius: 50%;
  animation: spin .7s linear infinite;
}
@keyframes spin { to { transform: rotate(360deg); } }

/* ── RESPONSIVE ──────────────────────────────────────────────── */
@media (max-width: 768px) {
  .why-grid, .contact-grid, .service-big { grid-template-columns: 1fr; }
  .service-big:nth-child(even) { direction: ltr; }
  .footer-inner { grid-template-columns: 1fr 1fr; }
  .admin-layout { grid-template-columns: 1fr; }
  .admin-sidebar { display: none; }
}
@media (max-width: 640px) {
  .nav-links { display: none; }
  .hamburger { display: flex; }
  .nav { padding: 0 16px; }
  .nav-inner { height: 64px; }
  .footer-inner { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .hero-btns { flex-direction: column; align-items: center; }
  .dash-header { flex-direction: column; gap: 16px; text-align: center; }
  .logo-sub { display: none; }
  .logo-icon { width: 40px; height: 40px; font-size: 20px; border-radius: 10px; }
}

/* ================================================================
   ENHANCED ANIMATIONS & INTERACTIONS
   ================================================================ */

/* ── PAGE LOAD FADE IN ───────────────────────────────────────── */
@keyframes pageIn {
  from { opacity: 0; transform: translateY(6px); }
  to   { opacity: 1; transform: translateY(0); }
}
/* body animation removed — it breaks position:fixed on nav, whatsapp, scroll-top */
.hero, .page-hero, .section, footer { animation: pageIn 1.1s cubic-bezier(.22,1,.36,1) both; }

/* ── HERO ANIMATED GRADIENT ──────────────────────────────────── */
@keyframes heroShimmer {
  0%, 100% { background-position: 0% 50%; }
  50%       { background-position: 100% 50%; }
}
.hero {
  background: linear-gradient(135deg, #0a1e3d, #1F3864, #2a5298, #1a3a6e, #0a1e3d);
  background-size: 400% 400%;
  animation: heroShimmer 22s ease infinite;
}

/* ── HERO FLOATING ORBS ──────────────────────────────────────── */
@keyframes floatOrb1 {
  0%, 100% { transform: translateY(0px) scale(1); }
  50%       { transform: translateY(-40px) scale(1.07); }
}
@keyframes floatOrb2 {
  0%, 100% { transform: translateY(0px) rotate(0deg); }
  50%       { transform: translateY(28px) rotate(22deg); }
}
@keyframes floatOrb3 {
  0%, 100% { transform: translateX(0px); }
  50%       { transform: translateX(30px); }
}
.hero-orb {
  position: absolute;
  border-radius: 50%;
  pointer-events: none;
  z-index: 0;
}
.hero-orb-gold {
  width: 520px; height: 520px;
  background: radial-gradient(circle at 40% 40%, rgba(201,168,76,0.25), transparent 65%);
  top: -160px; right: -120px;
  animation: floatOrb1 18s ease-in-out infinite;
}
.hero-orb-blue {
  width: 380px; height: 380px;
  background: radial-gradient(circle at 60% 60%, rgba(45,95,166,0.35), transparent 65%);
  bottom: -80px; left: -80px;
  animation: floatOrb2 22s ease-in-out infinite 2s;
}
.hero-orb-sm {
  width: 200px; height: 200px;
  background: radial-gradient(circle, rgba(201,168,76,0.18), transparent 70%);
  top: 40%; left: 10%;
  animation: floatOrb3 14s ease-in-out infinite 4s;
}
.hero-inner { z-index: 1; position: relative; }

/* ── HERO TEXT ENTRANCE ──────────────────────────────────────── */
@keyframes heroFadeUp {
  from { opacity: 0; transform: translateY(36px); }
  to   { opacity: 1; transform: translateY(0); }
}
.hero-badge { animation: heroFadeUp 1.1s cubic-bezier(.22,1,.36,1) both 0.4s; }
.hero h1    { animation: heroFadeUp 1.2s cubic-bezier(.22,1,.36,1) both 0.75s; }
.hero p     { animation: heroFadeUp 1.1s cubic-bezier(.22,1,.36,1) both 1.1s; }
.hero-btns  { animation: heroFadeUp 1.1s cubic-bezier(.22,1,.36,1) both 1.4s; }

/* ── NAVBAR GLASSMORPHISM ON SCROLL ──────────────────────────── */
.nav {
  transition: background 0.7s ease, box-shadow 0.7s ease, backdrop-filter 0.7s ease;
}
.nav.scrolled {
  background: rgba(255,255,255,0.86) !important;
  backdrop-filter: blur(22px);
  -webkit-backdrop-filter: blur(22px);
  box-shadow: 0 2px 48px rgba(31,56,100,.16);
}

/* ── NAV LINK UNDERLINE SLIDE ────────────────────────────────── */
.nav-links a:not(.nav-cta) {
  position: relative;
}
.nav-links a:not(.nav-cta)::after {
  content: '';
  position: absolute; bottom: 3px; left: 14px; right: 14px;
  height: 2px; border-radius: 2px;
  background: var(--gold);
  transform: scaleX(0);
  transform-origin: center;
  transition: transform 0.5s cubic-bezier(.22,1,.36,1);
}
.nav-links a:not(.nav-cta):hover::after,
.nav-links a:not(.nav-cta).active::after {
  transform: scaleX(1);
}

/* ── LOGO HOVER ANIMATION ────────────────────────────────────── */
.logo-icon {
  transition: transform 0.6s cubic-bezier(.22,1,.36,1), box-shadow 0.6s ease;
}
.logo-wrap:hover .logo-icon {
  transform: rotate(10deg) scale(1.1);
  box-shadow: 0 8px 24px rgba(31,56,100,.35), 0 0 0 3px rgba(201,168,76,.25);
}

/* ── CARD SHINE SWEEP ────────────────────────────────────────── */
.card {
  isolation: isolate;
}
.card::after {
  content: '';
  position: absolute;
  top: 0; left: -100%; width: 55%; height: 100%;
  background: linear-gradient(105deg, transparent 35%, rgba(255,255,255,0.4) 50%, transparent 65%);
  transition: left 1.1s ease;
  pointer-events: none;
  z-index: 1;
}
.card:hover::after {
  left: 160%;
}
.card {
  transition: transform 0.6s cubic-bezier(.22,1,.36,1), box-shadow 0.6s ease;
}
.card:hover {
  transform: translateY(-8px);
  box-shadow: 0 20px 56px rgba(31,56,100,.18);
}

/* ── SCROLL REVEAL SYSTEM ────────────────────────────────────── */
.reveal {
  opacity: 0;
  transition: opacity 1.1s cubic-bezier(.22,1,.36,1), transform 1.1s cubic-bezier(.22,1,.36,1);
}
.reveal.up    { transform: translateY(36px); }
.reveal.left  { transform: translateX(-36px); }
.reveal.right { transform: translateX(36px); }
.reveal.scale { transform: scale(0.92); }
.reveal.shown {
  opacity: 1 !important;
  transform: none !important;
}

/* ── SECTION TITLE REVEAL ────────────────────────────────────── */
.section-title-anim {
  opacity: 0;
  transform: translateY(22px);
  transition: opacity 1s ease, transform 1s ease;
}
.section-title-anim.shown {
  opacity: 1;
  transform: translateY(0);
}

/* ── ENHANCED TESTIMONIAL CARDS ──────────────────────────────── */
.testi-card {
  transition: transform 0.65s cubic-bezier(.22,1,.36,1),
              box-shadow 0.65s ease,
              background 0.65s ease;
  cursor: default;
}
.testi-card:hover {
  transform: translateY(-10px) scale(1.02);
  background: rgba(255,255,255,0.16);
  box-shadow: 0 28px 72px rgba(0,0,0,0.38);
}
.testi-avatar {
  transition: transform 0.55s ease, box-shadow 0.55s ease;
}
.testi-card:hover .testi-avatar {
  transform: scale(1.12);
  box-shadow: 0 6px 20px rgba(201,168,76,.5);
}

/* ── BUTTON RIPPLE ───────────────────────────────────────────── */
.btn { position: relative; overflow: hidden; }
.ripple {
  position: absolute;
  border-radius: 50%;
  background: rgba(255,255,255,0.38);
  width: 8px; height: 8px;
  transform: scale(0);
  animation: rippleAnim 0.65s linear forwards;
  pointer-events: none;
}
@keyframes rippleAnim {
  to { transform: scale(40); opacity: 0; }
}

/* ── ENHANCED WHATSAPP FLOAT ─────────────────────────────────── */
@keyframes pulseRings {
  0%   { box-shadow: 0 0 0 0 rgba(37,211,102,.6), 0 4px 20px rgba(37,211,102,.45); }
  70%  { box-shadow: 0 0 0 20px rgba(37,211,102,0), 0 4px 20px rgba(37,211,102,.45); }
  100% { box-shadow: 0 0 0 0 rgba(37,211,102,0), 0 4px 20px rgba(37,211,102,.45); }
}


/* ── SCROLL TO TOP BUTTON ────────────────────────────────────── */
.scroll-top {
  position: fixed; bottom: 92px; right: 24px; z-index: 997;
  width: 46px; height: 46px; border-radius: 50%;
  background: var(--navy); color: var(--white);
  display: flex; align-items: center; justify-content: center;
  font-size: 20px; cursor: pointer; border: none;
  opacity: 0; visibility: hidden;
  transition: opacity 0.35s ease, transform 0.35s cubic-bezier(.22,1,.36,1),
              background 0.3s ease, visibility 0.35s;
  box-shadow: 0 6px 24px rgba(31,56,100,.32);
  line-height: 1;
  animation: scrollBounce 2s ease-in-out infinite;
}
.scroll-top.show {
  opacity: 1; visibility: visible;
  transform: translateY(0) scale(1);
}
.scroll-top:hover {
  background: var(--gold); color: var(--navy);
  transform: translateY(-4px) scale(1.08);
}
@keyframes scrollBounce {
  0%,100% { transform: translateY(0); }
  50%     { transform: translateY(-5px); }
}

/* ── STATS BAR HOVER GLOW ────────────────────────────────────── */
.stat-item {
  transition: transform 0.3s ease;
  cursor: default;
}
.stat-item:hover {
  transform: translateY(-5px);
}
@keyframes numGlow {
  0%, 100% { text-shadow: none; }
  50%       { text-shadow: 0 0 28px rgba(201,168,76,.6); color: var(--gold); }
}
.stat-item:hover .stat-num {
  animation: numGlow 1s ease forwards;
}

/* ── CTA BAND ANIMATED SHIMMER ───────────────────────────────── */
@keyframes ctaShimmer {
  0%, 100% { background-position: 0% 50%; }
  50%       { background-position: 100% 50%; }
}
.cta-band {
  background: linear-gradient(135deg, #d4a832, #f0c84e, #C9A84C, #b8941c, #d4a832);
  background-size: 350% 350%;
  animation: ctaShimmer 14s ease infinite;
}

/* ── FOOTER GRADIENT ANIMATION ───────────────────────────────── */
@keyframes footerBg {
  0%, 100% { background-position: 0% 0%; }
  50%       { background-position: 100% 100%; }
}
footer {
  background: linear-gradient(135deg, #07172e, #1F3864, #0e2852, #07172e) !important;
  background-size: 300% 300%;
  animation: footerBg 20s ease infinite;
}

/* ── WHY-IMG FLOATING CARD ───────────────────────────────────── */
@keyframes cardFloat {
  0%, 100% { transform: translateY(0px); }
  50%       { transform: translateY(-10px); }
}
.why-img {
  animation: cardFloat 8s ease-in-out infinite;
}

/* ── NEWS CARD IMAGE HOVER ───────────────────────────────────── */
.news-img {
  transition: transform 0.45s ease, filter 0.45s ease;
}
.news-card:hover .news-img {
  transform: scale(1.04);
  filter: brightness(1.12);
}
.news-card {
  overflow: hidden; position: relative; z-index: 0;
}

/* ── FORM INPUT FOCUS GLOW ───────────────────────────────────── */
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  box-shadow: 0 0 0 4px rgba(31,56,100,.1);
  border-color: var(--navy);
}

/* ── BOARD / VALUE CARD HOVER ────────────────────────────────── */
.value-card, .board-card {
  transition: transform 0.35s cubic-bezier(.22,1,.36,1), box-shadow 0.35s ease;
}
.value-card:hover, .board-card:hover {
  transform: translateY(-8px) scale(1.02);
  box-shadow: 0 20px 56px rgba(31,56,100,.16);
}
.board-avatar {
  transition: transform 0.3s ease;
}
.board-card:hover .board-avatar {
  transform: scale(1.1) rotate(5deg);
}

/* ── WHY-ITEM HOVER ──────────────────────────────────────────── */
.why-item {
  transition: transform 0.3s ease;
  padding: 12px; border-radius: 10px;
}
.why-item:hover {
  transform: translateX(8px);
  background: rgba(201,168,76,.06);
}
.why-check {
  transition: transform 0.3s ease, background 0.3s ease;
}
.why-item:hover .why-check {
  transform: scale(1.15);
  background: var(--gold);
  color: var(--white);
}

/* ── SECTION LABEL ACCENT ────────────────────────────────────── */
.section-label::before {
  content: '';
  display: inline-block;
  width: 20px; height: 2px;
  background: var(--gold);
  vertical-align: middle;
  margin-right: 8px;
  border-radius: 2px;
  opacity: 0.8;
}

/* ── CONTACT CARD HOVER ──────────────────────────────────────── */
.contact-card {
  transition: transform 0.35s ease, box-shadow 0.35s ease;
}
.contact-card:hover {
  transform: translateY(-6px) translateX(4px);
  box-shadow: 0 16px 48px rgba(31,56,100,.15);
}

/* ── FILTER BTN RIPPLE ───────────────────────────────────────── */
.filter-btn {
  transition: all 0.25s cubic-bezier(.22,1,.36,1);
  position: relative; overflow: hidden;
  z-index: 0;
}
.filter-btn.active, .filter-btn:hover {
  transform: translateY(-2px);
  box-shadow: 0 4px 16px rgba(31,56,100,.2);
  z-index: 1;
}

/* ── MOBILE MENU BACKDROP BLUR ───────────────────────────────── */
.mobile-menu {
  display: none;
  position: fixed;
  top: 0; left: 0; right: 0; bottom: 0;
  z-index: 9999;
  flex-direction: column;
  align-items: flex-start;
  justify-content: flex-start;
  padding-top: 72px;
  padding-left: 16px;
  padding-right: 16px;
  background: rgba(255,255,255,0.97);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
}
.mobile-menu.open {
  display: flex;
}
.mobile-menu a {
  transition: color 0.25s ease, transform 0.25s ease;
  display: block;
}
.mobile-menu a:hover {
  transform: translateX(8px);
  color: var(--gold) !important;
}

/* ── HERO BADGE GLOW ─────────────────────────────────────────── */
@keyframes badgeGlow {
  0%, 100% { box-shadow: 0 0 0 0 rgba(201,168,76,0); }
  50%       { box-shadow: 0 0 16px 4px rgba(201,168,76,.3); }
}
.hero-badge {
  animation: heroFadeUp 0.75s cubic-bezier(.22,1,.36,1) both 0.1s,
             badgeGlow 3.5s ease 1.2s infinite !important;
}

/* ── DASH CARD HOVER ─────────────────────────────────────────── */
.dash-card {
  transition: transform 0.3s ease, box-shadow 0.3s ease;
}
.dash-card:hover {
  transform: translateY(-5px);
  box-shadow: 0 16px 48px rgba(31,56,100,.16);
}

/* ── ADMIN CARD HOVER ────────────────────────────────────────── */
.admin-card {
  transition: transform 0.3s ease, box-shadow 0.3s ease;
}
.admin-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 12px 36px rgba(31,56,100,.14);
}

/* ── FOOTER LINK HOVER ───────────────────────────────────────── */
.footer-col ul a {
  transition: color 0.25s ease, transform 0.25s ease;
  display: inline-block;
}
.footer-col ul a:hover {
  color: var(--gold);
  transform: translateX(4px);
}

/* ── REDUCE MOTION ───────────────────────────────────────────── */
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
  }
}

/* ── PRELOADER ───────────────────────────────────────────────── */
/* ── PREMIUM PRELOADER ───────────────────────────────────────── */
.preloader {
  position: fixed; inset: 0; z-index: 99999;
  background: linear-gradient(135deg, #0a1628 0%, #1F3864 60%, #0d2244 100%);
  display: flex; align-items: center; justify-content: center;
  transition: opacity 0.6s ease, visibility 0.6s ease;
}
.preloader.hidden {
  opacity: 0; visibility: hidden; pointer-events: none;
}
.preloader-inner {
  display: flex; flex-direction: column;
  align-items: center; gap: 20px;
  animation: preloaderFadeIn 0.5s ease forwards;
}
@keyframes preloaderFadeIn {
  from { opacity: 0; transform: translateY(10px); }
  to   { opacity: 1; transform: translateY(0); }
}

/* Spinning ring */
.preloader-ring {
  position: relative;
  width: 110px; height: 110px;
}
.preloader-ring svg {
  width: 110px; height: 110px;
  transform: rotate(-90deg);
}
.ring-bg {
  fill: none;
  stroke: rgba(255,255,255,.08);
  stroke-width: 5;
}
.ring-fill {
  fill: none;
  stroke: url(#ringGrad);
  stroke-width: 5;
  stroke-linecap: round;
  stroke-dasharray: 264;
  stroke-dashoffset: 264;
  animation: ringDraw 1.8s cubic-bezier(.4,0,.2,1) forwards,
             ringSpin 2.2s linear 1.8s infinite;
}
@keyframes ringDraw {
  to { stroke-dashoffset: 30; }
}
@keyframes ringSpin {
  from { transform: rotate(-90deg); }
  to   { transform: rotate(270deg); }
}

/* Gold gradient for the ring */
.preloader-ring svg defs { display: block; }

/* Icon in center */
.preloader-icon {
  position: absolute;
  top: 50%; left: 50%;
  transform: translate(-50%, -50%);
  font-size: 36px;
  animation: iconPulse 1.8s ease-in-out infinite;
}
@keyframes iconPulse {
  0%,100% { transform: translate(-50%,-50%) scale(1); }
  50%     { transform: translate(-50%,-50%) scale(1.1); }
}

/* Text below */
.preloader-name {
  font-family: 'Playfair Display', serif;
  font-size: 18px; font-weight: 700;
  color: #ffffff; letter-spacing: 1px;
  animation: textFade 0.8s ease 0.3s both;
}
.preloader-sub {
  font-size: 10px; color: var(--gold);
  font-weight: 700; letter-spacing: 3px;
  text-transform: uppercase;
  animation: textFade 0.8s ease 0.5s both;
}
@keyframes textFade {
  from { opacity: 0; transform: translateY(6px); }
  to   { opacity: 1; transform: translateY(0); }
}

/* ── SCROLL PROGRESS BAR ─────────────────────────────────────── */
.scroll-progress-bar {
  position: fixed; top: 0; left: 0; z-index: 9998;
  height: 3px; width: 0%;
  background: linear-gradient(90deg, var(--gold), var(--gold-light), var(--gold));
  background-size: 200% 100%;
  animation: progressShimmer 2s linear infinite;
  border-radius: 0 2px 2px 0;
  transition: width 0.08s linear;
}
@keyframes progressShimmer {
  from { background-position: 100% 0; }
  to   { background-position: -100% 0; }
}

/* ── TRUST STRIP ─────────────────────────────────────────────── */
.trust-strip {
  background: var(--navy-dark);
  padding: 18px 24px;
  border-bottom: 1px solid rgba(255,255,255,.07);
}
.trust-strip-inner {
  max-width: 1100px; margin: 0 auto;
  display: flex; align-items: center; justify-content: center;
  flex-wrap: wrap; gap: 0;
}
.trust-item {
  display: flex; align-items: center; gap: 8px;
  padding: 6px 24px;
  border-right: 1px solid rgba(255,255,255,.12);
  color: rgba(255,255,255,.75); font-size: 13px; font-weight: 500;
  white-space: nowrap;
}
.trust-item:last-child { border-right: none; }
.trust-ico { color: var(--gold); font-size: 15px; flex-shrink: 0; }
.trust-item strong { color: var(--gold-light); font-weight: 600; }

/* ── WAVE DIVIDERS ───────────────────────────────────────────── */
.wave-wrap {
  line-height: 0; overflow: hidden;
  margin-bottom: -2px;
}
.wave-wrap svg { display: block; width: 100%; }

/* ── CARD SVG ICONS ──────────────────────────────────────────── */
.card-icon svg { width: 27px; height: 27px; stroke-width: 1.7; }
.card:hover .card-icon {
  background: var(--navy);
  transform: scale(1.1) rotate(-6deg);
}
.card:hover .card-icon svg { stroke: var(--gold) !important; }

/* ── NEWS CARD ENHANCED BANNERS ──────────────────────────────── */
.news-img-icon {
  width: 68px; height: 68px; border-radius: 50%;
  background: rgba(255,255,255,.14);
  display: flex; align-items: center; justify-content: center;
  transition: transform 0.55s cubic-bezier(.22,1,.36,1);
}
.news-img-icon svg { width: 30px; height: 30px; stroke: white; stroke-width: 1.5; }
.news-card:hover .news-img-icon { transform: scale(1.14); }
.news-img-label {
  position: absolute; bottom: 14px; left: 18px;
  font-size: 10px; font-weight: 700; letter-spacing: 2.5px;
  text-transform: uppercase; color: rgba(255,255,255,.6);
}
.news-img-lines {
  position: absolute; inset: 0;
  background: repeating-linear-gradient(
    45deg, transparent, transparent 24px,
    rgba(255,255,255,.03) 24px, rgba(255,255,255,.03) 25px
  );
}
.ni-announce { background: linear-gradient(135deg, #122a5e, #1e4da6); }
.ni-finance  { background: linear-gradient(135deg, #0f3d28, #1a6642); }
.ni-tech     { background: linear-gradient(135deg, #2a0f5e, #5e2da6); }
.ni-event    { background: linear-gradient(135deg, #5e280f, #a6542d); }
.ni-default  { background: linear-gradient(135deg, var(--navy-dark), var(--navy-mid)); }

/* ── FAQ SECTION ─────────────────────────────────────────────── */
.faq-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(460px, 1fr));
  gap: 14px; margin-top: 48px;
}
.faq-item {
  background: var(--white);
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  overflow: hidden;
  transition: box-shadow 0.5s ease, border-color 0.4s ease;
}
.faq-item:hover { box-shadow: var(--shadow); border-color: var(--gold); }
.faq-q {
  padding: 20px 24px;
  display: flex; align-items: center; justify-content: space-between;
  cursor: pointer !important; gap: 16px;
  font-size: 15px; font-weight: 600; color: var(--navy);
  user-select: none; list-style: none;
  touch-action: manipulation;
  -webkit-tap-highlight-color: transparent;
  min-height: 44px;
}
.faq-item { cursor: pointer !important; }
.faq-item * { cursor: pointer !important; }
.faq-chevron {
  width: 20px; height: 20px; flex-shrink: 0;
  stroke: var(--gold); stroke-width: 2.5;
  fill: none; stroke-linecap: round; stroke-linejoin: round;
  transition: transform 0.45s cubic-bezier(.22,1,.36,1);
}
.faq-item.open .faq-chevron { transform: rotate(180deg); }
.faq-item.open .faq-q { color: var(--gold); }
.faq-a {
  max-height: 0; overflow: hidden;
  transition: max-height 0.5s cubic-bezier(.22,1,.36,1);
}
.faq-item.open .faq-a { max-height: 400px; }
.faq-a-inner {
  padding: 0 24px 22px;
  font-size: 14.5px; color: var(--text-light); line-height: 1.8;
}

/* ── STAT ICONS ──────────────────────────────────────────────── */
.stat-icon {
  width: 44px; height: 44px; border-radius: 12px;
  background: var(--gold-pale);
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 12px;
  transition: transform 0.5s ease, background 0.5s ease;
}
.stat-icon svg { width: 22px; height: 22px; stroke: var(--navy); stroke-width: 1.7; }
.stat-item:hover .stat-icon {
  background: var(--navy);
  transform: scale(1.1);
}
.stat-item:hover .stat-icon svg { stroke: var(--gold); }

/* ── SOCIAL LINKS (footer) ───────────────────────────────────── */
.footer-socials {
  display: flex; gap: 10px; margin-top: 18px;
}
.social-link {
  width: 36px; height: 36px; border-radius: 50%;
  background: rgba(255,255,255,.07);
  border: 1px solid rgba(255,255,255,.12);
  display: flex; align-items: center; justify-content: center;
  text-decoration: none;
  transition: background 0.45s ease, border-color 0.45s ease, transform 0.45s cubic-bezier(.22,1,.36,1);
}
.social-link svg { width: 15px; height: 15px; stroke: rgba(255,255,255,.7); stroke-width: 1.8; fill: none; }
.social-link:hover {
  background: var(--gold); border-color: var(--gold);
  transform: translateY(-4px);
}
.social-link:hover svg { stroke: var(--navy-dark); }

/* ── WHATSAPP WITH LABEL ─────────────────────────────────────── */
.whatsapp-float {
  gap: 8px;
  padding: 0;
  width: 56px !important;
  border-radius: 50% !important;
}
.whatsapp-label {
  font-family: 'DM Sans', sans-serif;
  font-size: 13px; font-weight: 600; color: white;
  white-space: nowrap;
}

/* ── DARK MODE: NEW COMPONENTS ───────────────────────────────── */
[data-theme="dark"] .preloader { background: #071220; }
[data-theme="dark"] .trust-strip { background: #071526; }
[data-theme="dark"] .faq-item { background: #122036; border-color: #1e3450; }
[data-theme="dark"] .faq-q { color: #dce8f5; }
[data-theme="dark"] .faq-item:hover { border-color: var(--gold); }
[data-theme="dark"] .faq-item.open .faq-q { color: var(--gold); }
[data-theme="dark"] .faq-a-inner { color: #7fa0bc; }
[data-theme="dark"] .stat-icon { background: #1a2d45; }
[data-theme="dark"] .stat-icon svg { stroke: var(--gold); }
[data-theme="dark"] .stat-item:hover .stat-icon { background: var(--gold); }
[data-theme="dark"] .stat-item:hover .stat-icon svg { stroke: #0d1825; }
[data-theme="dark"] .card-icon { background: #1a2d45; }
[data-theme="dark"] .card-icon svg { stroke: var(--gold); }
[data-theme="dark"] .card:hover .card-icon { background: var(--gold); }
[data-theme="dark"] .card:hover .card-icon svg { stroke: #0d1825 !important; }
[data-theme="dark"] .scroll-progress-bar { opacity: 0.9; }

/* ── RESPONSIVE: NEW COMPONENTS ──────────────────────────────── */
@media (max-width: 768px) {
  .faq-grid { grid-template-columns: 1fr; }
}
@media (max-width: 640px) {
  .trust-item { padding: 6px 14px; font-size: 12px; }
  .trust-item:nth-child(odd) { border-right: 1px solid rgba(255,255,255,.1); }
  .trust-item:nth-child(even) { border-right: none; }
  .whatsapp-label { display: none; }
  .whatsapp-float { padding: 0 !important; width: 56px !important; border-radius: 50% !important; }
}

/* ── MOBILE TOUCH — single-tap on all interactive elements ──── */
.btn, .nav-links a, .nav-cta, .filter-btn,
.dark-toggle, .mobile-menu a, .mobile-close,
.social-link, .whatsapp-float, .scroll-top,
.card, .news-card, .footer-col ul a {
  touch-action: manipulation;
  -webkit-tap-highlight-color: transparent;
}

/* ── DARK MODE TOGGLE BUTTON ─────────────────────────────────── */
.dark-toggle {
  width: 22px; height: 22px; border-radius: 50%;
  background: var(--warm-gray);
  border: 1.5px solid var(--border);
  font-size: 11px; cursor: pointer;
  display: flex; align-items: center; justify-content: center;
  transition: background 0.3s ease, border-color 0.3s ease;
  flex-shrink: 0;
  opacity: 0.7;
}
.dark-toggle:hover {
  background: var(--gold-pale);
  border-color: var(--gold);
  opacity: 1;
}

/* ================================================================
   DARK MODE — Professional Navy Theme
   ================================================================ */
[data-theme="dark"] {
  --navy:      #4a8fd4;
  --navy-dark: #0d1e32;
  --navy-mid:  #5a9fe0;
  --gold:      #d4a843;
  --gold-light:#e8c060;
  --gold-pale: #1a2d1a;
  --white:     #ffffff;
  --warm-bg:   #0d1825;
  --warm-gray: #0f2035;
  --text:      #dce8f5;
  --text-light:#7fa0bc;
  --border:    #1e3450;
  --success:   #4caf7d;
  --danger:    #e05c5c;
}

/* Body & base */
[data-theme="dark"] body {
  background: #0d1825;
  color: #dce8f5;
}

/* Navbar */
[data-theme="dark"] .nav {
  background: #0f1e30;
  box-shadow: 0 2px 24px rgba(0,0,0,.4);
}
[data-theme="dark"] .nav.scrolled {
  background: rgba(13,24,37,0.92) !important;
}
[data-theme="dark"] .nav-links a { color: #b8d0e8; }
[data-theme="dark"] .nav-links a:hover,
[data-theme="dark"] .nav-links a.active { background: rgba(74,143,212,.12); color: #dce8f5; }
[data-theme="dark"] .nav-cta { background: transparent !important; color: var(--gold) !important; border: 2px solid var(--gold) !important; box-shadow: 0 0 0 0 transparent !important; }
[data-theme="dark"] .nav-cta:hover { background: var(--gold) !important; color: var(--navy) !important; border-color: var(--gold) !important; box-shadow: 0 4px 16px rgba(201,168,76,.35) !important; }
[data-theme="dark"] .logo-name { color: #dce8f5 !important; }
[data-theme="dark"] .hamburger span { background: #dce8f5; }
[data-theme="dark"] .dark-toggle { background: #1a2d45; border-color: #1e3450; }
[data-theme="dark"] .dark-toggle:hover { background: #1e3a5f; border-color: var(--gold); }

/* Mobile menu */
[data-theme="dark"] .mobile-menu {
  background: rgba(13,24,37,0.97) !important;
}
[data-theme="dark"] .mobile-menu a { color: #dce8f5 !important; }
[data-theme="dark"] .mobile-close { color: #dce8f5; }

/* Cards */
[data-theme="dark"] .card {
  background: #122036;
  border-color: #1e3450;
}
[data-theme="dark"] .card h3 { color: #dce8f5; }
[data-theme="dark"] .card p  { color: #7fa0bc; }

/* Stats bar */
[data-theme="dark"] .stats-bar {
  background: linear-gradient(135deg, var(--gold), #a8872e) !important;
  box-shadow: 0 4px 24px rgba(0,0,0,.3);
}
[data-theme="dark"] .stat-num { color: var(--navy) !important; -webkit-text-fill-color: var(--navy) !important; }
[data-theme="dark"] .stat-num span { color: var(--navy) !important; -webkit-text-fill-color: var(--navy) !important; }
[data-theme="dark"] .stat-label, [data-theme="dark"] .stat-lbl { color: rgba(31,56,100,.75) !important; -webkit-text-fill-color: rgba(31,56,100,.75) !important; }

/* Sections */
[data-theme="dark"] .section-alt { background: #0f2035; }
[data-theme="dark"] .section:not(.cta-band) .section-title { color: #dce8f5 !important; }
[data-theme="dark"] .cta-band .section-title { color: var(--navy) !important; -webkit-text-fill-color: var(--navy) !important; }
[data-theme="dark"] .section-sub   { color: #7fa0bc !important; }
/* All headings in sections visible in dark mode */
[data-theme="dark"] .section h1:not(.cta-band h1),
[data-theme="dark"] .section h2:not(.cta-band *),
[data-theme="dark"] .section h3:not(.cta-band *),
[data-theme="dark"] .section h4:not(.cta-band *),
[data-theme="dark"] .section-alt h1,
[data-theme="dark"] .section-alt h2,
[data-theme="dark"] .section-alt h3 { color: #dce8f5 !important; }
/* Exclude cta-band from dark heading override */
[data-theme="dark"] .cta-band h1,
[data-theme="dark"] .cta-band h2,
[data-theme="dark"] .cta-band h3,
[data-theme="dark"] .cta-band h4,
[data-theme="dark"] .cta-band .section-title { color: var(--navy) !important; -webkit-text-fill-color: var(--navy) !important; background: none !important; }
/* Page hero headings */
[data-theme="dark"] .page-hero h1 { color: #ffffff !important; }
[data-theme="dark"] .page-hero p  { color: rgba(255,255,255,.8) !important; }
/* Contact, about, services, news page titles */
[data-theme="dark"] h1,
[data-theme="dark"] h2 { color: #dce8f5; }

/* Why section */
[data-theme="dark"] .why-item h4 { color: #dce8f5; }
[data-theme="dark"] .why-item p  { color: #7fa0bc; }
[data-theme="dark"] .why-check   { background: #1a2d45; color: var(--gold); }
[data-theme="dark"] .why-item:hover { background: rgba(74,143,212,.08); }

/* News cards */
[data-theme="dark"] .news-card {
  background: #122036;
  border-color: #1e3450;
}
[data-theme="dark"] .news-body h3 { color: #dce8f5; }
[data-theme="dark"] .news-body p  { color: #7fa0bc; }

/* Testimonial section — already dark navy, just adjust text */
[data-theme="dark"] .section-navy { background: #071526; }
[data-theme="dark"] .testi-card   { background: rgba(255,255,255,.05); border-color: rgba(255,255,255,.08); }

/* CTA band */
[data-theme="dark"] .cta-band h2 { color: #0d1825; }
[data-theme="dark"] .cta-band p  { color: rgba(13,24,37,.8); }

/* Footer */
[data-theme="dark"] footer {
  background: #07101b !important;
}

/* Forms */
[data-theme="dark"] .form-wrap {
  background: #122036;
  border-color: #1e3450;
}
[data-theme="dark"] .form-wrap h2 { color: #dce8f5; }
[data-theme="dark"] .form-wrap p  { color: #7fa0bc; }
[data-theme="dark"] .form-group label { color: #b8d0e8; }
[data-theme="dark"] .form-group input,
[data-theme="dark"] .form-group select,
[data-theme="dark"] .form-group textarea {
  background: #0d1825;
  border-color: #1e3450;
  color: #dce8f5;
}
[data-theme="dark"] .form-group input:focus,
[data-theme="dark"] .form-group select:focus,
[data-theme="dark"] .form-group textarea:focus {
  border-color: #4a8fd4;
  background: #122036;
  box-shadow: 0 0 0 4px rgba(74,143,212,.12);
}

/* Contact cards */
[data-theme="dark"] .contact-card {
  background: #122036;
  border-color: #1e3450;
}
[data-theme="dark"] .contact-card h4 { color: #dce8f5; }
[data-theme="dark"] .contact-card p  { color: #7fa0bc; }
[data-theme="dark"] .contact-icon    { background: #1a2d45; }

/* Value & board cards */
[data-theme="dark"] .value-card,
[data-theme="dark"] .board-card {
  background: #122036;
  border-color: #1e3450;
}
[data-theme="dark"] .value-card h3,
[data-theme="dark"] .board-card h3 { color: #dce8f5; }
[data-theme="dark"] .value-card p,
[data-theme="dark"] .board-card p  { color: #7fa0bc; }

/* Page hero */
[data-theme="dark"] .page-hero {
  background: linear-gradient(135deg, #061019, #0d1e32);
}

/* Tables */
[data-theme="dark"] .data-table th { background: #0f2035; color: #b8d0e8; }
[data-theme="dark"] .data-table td { color: #dce8f5; border-color: #1e3450; }

/* Dash & admin */
[data-theme="dark"] .dash-card,
[data-theme="dark"] .dash-section,
[data-theme="dark"] .admin-section,
[data-theme="dark"] .admin-card {
  background: #122036;
  border-color: #1e3450;
}
[data-theme="dark"] .dash-card-val,
[data-theme="dark"] .admin-topbar h2 { color: #dce8f5; }
[data-theme="dark"] .admin-main { background: #0d1825; }
[data-theme="dark"] .admin-section-hdr { border-color: #1e3450; }
[data-theme="dark"] .admin-section-hdr h3,
[data-theme="dark"] .dash-section h3 { color: #dce8f5; }

/* Filter buttons */
[data-theme="dark"] .filter-btn {
  background: #122036;
  border-color: #1e3450;
  color: #7fa0bc;
}
[data-theme="dark"] .filter-btn.active,
[data-theme="dark"] .filter-btn:hover {
  background: #1e3a5f;
  border-color: #4a8fd4;
  color: #dce8f5;
}

/* Scroll top button */
[data-theme="dark"] .scroll-top {
  background: #1e3a5f;
}
[data-theme="dark"] .scroll-top:hover {
  background: var(--gold);
  color: #0d1825;
}

/* Smooth theme transition */
body, .nav, .card, .news-card, .stats-bar, .section-alt,
.form-wrap, .contact-card, .value-card, .board-card,
.dash-card, .dash-section, .admin-card, .admin-section,
.mobile-menu, .filter-btn, .data-table th, .data-table td {
  transition: background 0.5s ease, border-color 0.5s ease, color 0.5s ease, box-shadow 0.5s ease;
}

/* ── TIMELINE ─────────────────────────────────────────────────── */
.timeline {
  position: relative;
  max-width: 680px; margin: 48px auto 0;
  padding-left: 48px;
}
.timeline::before {
  content: '';
  position: absolute; left: 6px; top: 12px; bottom: 12px;
  width: 2px;
  background: linear-gradient(180deg, var(--gold) 0%, var(--navy-mid) 50%, var(--gold) 100%);
}
.tl-item {
  position: relative;
  margin-bottom: 36px;
}
.tl-item:last-child { margin-bottom: 0; }
.tl-dot {
  position: absolute; left: -48px; top: 10px;
  width: 14px; height: 14px; border-radius: 50%;
  background: var(--gold);
  border: 3px solid var(--warm-bg);
  box-shadow: 0 0 0 2px var(--gold);
  transition: transform 0.35s ease, box-shadow 0.35s ease;
  z-index: 1;
}
.tl-item:hover .tl-dot {
  transform: scale(1.5);
  box-shadow: 0 0 0 5px rgba(201,168,76,.25);
}
.tl-year {
  font-size: 11px; font-weight: 700; letter-spacing: 2.5px;
  text-transform: uppercase; color: var(--gold);
  margin-bottom: 8px;
}
.tl-card {
  background: var(--white);
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  padding: 20px 24px;
  transition: transform 0.4s cubic-bezier(.22,1,.36,1), box-shadow 0.4s ease;
}
.tl-item:hover .tl-card {
  transform: translateX(10px);
  box-shadow: 0 12px 36px rgba(31,56,100,.13);
}
.tl-card h4 { font-size: 16px; color: var(--navy); margin-bottom: 6px; }
.tl-card p  { font-size: 14px; color: var(--text-light); line-height: 1.75; }

/* ── SERVICE IMG SVG ─────────────────────────────────────────── */
.svc-icon {
  width: 96px; height: 96px; border-radius: 24px; flex-shrink: 0;
  display: flex; align-items: center; justify-content: center;
  position: relative; overflow: hidden;
  transition: transform 0.5s cubic-bezier(.22,1,.36,1), box-shadow 0.5s ease;
}
.svc-icon::after {
  content: '';
  position: absolute; inset: 0;
  background: linear-gradient(135deg, transparent 40%, rgba(255,255,255,.1));
}
.svc-icon svg { width: 44px; height: 44px; stroke: white; stroke-width: 1.6; fill: none; position: relative; z-index: 1; }
.service-big:hover .svc-icon {
  transform: rotate(-6deg) scale(1.1);
  box-shadow: 0 20px 56px rgba(31,56,100,.25);
}
.svc-blue   { background: linear-gradient(135deg, #1a3a7c, #2d6fd6); }
.svc-orange { background: linear-gradient(135deg, #7c3a1a, #d66c2d); }
.svc-gold   { background: linear-gradient(135deg, #7c600f, #c9a84c); }
.svc-purple { background: linear-gradient(135deg, #3a1a7c, #7c3fd6); }
.svc-green  { background: linear-gradient(135deg, #0f5e2a, #1e9949); }
.svc-pink   { background: linear-gradient(135deg, #7c1a4e, #d64f90); }

/* ── ABOUT VALUE CARDS SVG ───────────────────────────────────── */
.value-icon-wrap {
  width: 56px; height: 56px; border-radius: 16px;
  background: var(--gold-pale);
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 16px;
  transition: background 0.4s ease, transform 0.4s cubic-bezier(.22,1,.36,1);
}
.value-icon-wrap svg { width: 26px; height: 26px; stroke: var(--navy); stroke-width: 1.7; fill: none; }
.value-card:hover .value-icon-wrap { background: var(--navy); transform: scale(1.12) rotate(-5deg); }
.value-card:hover .value-icon-wrap svg { stroke: var(--gold); }

/* ── DARK MODE: TIMELINE + SVC ───────────────────────────────── */
[data-theme="dark"] .tl-dot { border-color: #0d1825; }
[data-theme="dark"] .tl-card { background: #122036; border-color: #1e3450; }
[data-theme="dark"] .tl-card h4 { color: #dce8f5; }
[data-theme="dark"] .tl-card p  { color: #7fa0bc; }
[data-theme="dark"] .value-icon-wrap { background: #1a2d45; }
[data-theme="dark"] .value-icon-wrap svg { stroke: var(--gold); }
[data-theme="dark"] .value-card:hover .value-icon-wrap { background: var(--gold); }
[data-theme="dark"] .value-card:hover .value-icon-wrap svg { stroke: #0d1825; }
[data-theme="dark"] .tl-item { }
[data-theme="dark"] .timeline::before {
  background: linear-gradient(180deg, var(--gold) 0%, #4a8fd4 50%, var(--gold) 100%);
}

/* ── RESPONSIVE ──────────────────────────────────────────────── */
@media (max-width: 640px) {
  .timeline { padding-left: 32px; }
  .tl-dot   { left: -34px; }
  .service-big { flex-direction: column; }
  .svc-icon { width: 72px; height: 72px; border-radius: 18px; }
  .svc-icon svg { width: 32px; height: 32px; }
}


/* ── MOBILE TAP FIX — instant response, no 300ms delay ──────── */
a, button, .btn, .faq-q, .filter-btn, .nav-links a,
.footer-col a, .mobile-menu a, .nav-tab, .card,
.action-btn, .why-check, .news-card, [onclick] {
  touch-action: manipulation;
  -webkit-tap-highlight-color: transparent;
}


/* ── Mobile menu Member Portal button — visible on white bg ────── */
.mobile-menu .btn-navy {
  background: var(--navy) !important;
  color: #ffffff !important;
  border: 2px solid var(--navy) !important;
  padding: 12px 32px !important;
  border-radius: 50px !important;
  font-size: 16px !important;
  font-weight: 700 !important;
  margin-top: 8px !important;
  display: inline-block !important;
  box-shadow: 0 4px 16px rgba(31,56,100,.25) !important;
  opacity: 1 !important;
}
.mobile-menu .btn-navy:hover {
  background: var(--gold) !important;
  color: var(--navy) !important;
  border-color: var(--gold) !important;
}

/* Global cursor safety — all clickable elements show hand */
a, button, [onclick], .faq-q, .faq-item,
.news-card, .card, .filter-btn, .action-btn,
.footer-col a, .footer-col ul a {
  cursor: pointer !important;
}

/* btn-outline visible in dark mode */
[data-theme="dark"] .btn-outline {
  color: #dce8f5 !important;
  border-color: rgba(220,232,245,.6) !important;
}
[data-theme="dark"] .btn-outline:hover {
  background: rgba(220,232,245,.15) !important;
  border-color: #dce8f5 !important;
}
/* btn-outline on gold cta-band: keep navy style even in dark mode */
[data-theme="dark"] .cta-band .btn-outline,
[data-theme="dark"] .cta-outline {
  color: var(--navy) !important;
  border-color: var(--navy) !important;
  background: transparent !important;
}
[data-theme="dark"] .cta-band .btn-outline:hover,
[data-theme="dark"] .cta-outline:hover {
  background: rgba(31,56,100,.12) !important;
  border-color: var(--navy-dark) !important;
}

/* ── Dark mode — Stay Informed & all section labels/titles ────── */
[data-theme="dark"] .section-label { color: var(--gold) !important; }

[data-theme="dark"] .section:not(.cta-band) h2[style],
[data-theme="dark"] .section:not(.cta-band) h1[style],
[data-theme="dark"] h2[style*="margin"],
[data-theme="dark"] h2[style*="color"] { color: #dce8f5 !important; }
[data-theme="dark"] .btn-navy { color: #ffffff !important; }


/* ════════════════════════════════════════════════════════════════
   FINAL OVERRIDES — highest priority, never override these
   ════════════════════════════════════════════════════════════════ */







/* Financial Solutions and all section titles — always visible */
.section-title { color: #1F3864 !important; }
.section-navy .section-title { color: #ffffff !important; }

[data-theme="dark"] .section-label { color: var(--gold) !important; }


/* ── NAV FIXED — stays at top always ────────────────────────── */




/* ── WHATSAPP & SCROLL-TOP — always fixed, never move ─────────── */
.whatsapp-float {
  position: fixed !important;
  bottom: 24px !important;
  right: 24px !important;
  z-index: 9990 !important;
  width: 56px !important;
  height: 56px !important;
  border-radius: 50% !important;
  animation: pulse-wa 2s infinite !important;
  padding: 0 !important;
}
.scroll-top {
  position: fixed !important;
  bottom: 92px !important;
  right: 24px !important;
  z-index: 9989 !important;
}


/* ══════════════════════════════════════════════════════════════
   ABSOLUTE FINAL FIX — DO NOT OVERRIDE
   ══════════════════════════════════════════════════════════════ */

/* Nav locked to top — nothing overrides this */


/* Push ALL page content below the fixed nav */


/* But not the preloader */






/* Light mode explicit — Financial Solutions & Latest News always dark navy */
html:not([data-theme="dark"]) h2.section-title,
html:not([data-theme="dark"]) h2[class*="section-title"] {
  color: #1F3864 !important;
}

/* Light mode — Financial Solutions & Latest News visible */
h2.section-title,
.section h2,
.section-inner h2 {
  color: #1F3864 !important;
}

/* ── FINAL: section-title always dark in light mode ─────────── */
/* Inline styles on elements override this in dark mode correctly */
:root:not([data-theme="dark"]) .section-title {
  color: #1F3864 !important;
}


/* ── LIGHT MODE EXPLICIT — section backgrounds always white ─── */
:root:not([data-theme="dark"]) .section {
  background: var(--warm-bg);
}
:root:not([data-theme="dark"]) .section-alt {
  background: var(--warm-gray);  
}
/* Force these two headings to always be dark navy in light mode */
:root:not([data-theme="dark"]) .section-title {
  color: #1F3864 !important;
}


/* ── Testimonials visible in light mode ──────────────────────── */
:root:not([data-theme="dark"]) .testi-card {
  background: rgba(31,56,100,.08);
  border-color: rgba(31,56,100,.15);
}
:root:not([data-theme="dark"]) .testi-text {
  color: #2c2c2c !important;
}
:root:not([data-theme="dark"]) .testi-name {
  color: #1F3864 !important;
}
:root:not([data-theme="dark"]) .testi-role {
  color: #666 !important;
}
:root:not([data-theme="dark"]) .section-navy .section-sub {
  color: rgba(255,255,255,.85) !important;
}


:root:not([data-theme="dark"]) .member-voices-sub {
  color: rgba(255,255,255,.85) !important;
}





/* Real stories subtitle — visible in dark AND light mode */
.testi-sub {
  color: rgba(255,255,255,0.9) !important;
}
[data-theme="dark"] .testi-sub {
  color: rgba(255,255,255,0.75) !important;
}


/* Real stories subtitle — framed, blends with navy section */
.testi-subtitle {
  color: rgba(255,255,255,0.85) !important;
  display: inline-block;
  border: 1px solid rgba(201,168,76,0.35);
  border-radius: 30px;
  padding: 8px 28px;
  background: rgba(255,255,255,0.06);
  font-size: 15px;
  letter-spacing: 0.3px;
}
[data-theme="dark"] .testi-subtitle {
  color: rgba(220,232,245,0.8) !important;
  border-color: rgba(201,168,76,0.25);
  background: rgba(255,255,255,0.04);
}


/* ── Loan Calculator Dark Mode ───────────────────────────────── */
[data-theme="dark"] .calc-card {
  background: #122036 !important;
  border-color: #1e3450 !important;
}
[data-theme="dark"] .calc-label {
  color: #dce8f5 !important;
}
[data-theme="dark"] .calc-amount-display,
[data-theme="dark"] .calc-period-display {
  color: #dce8f5 !important;
}
[data-theme="dark"] .calc-range-min,
[data-theme="dark"] .calc-range-max {
  color: #7fa0bc !important;
}
[data-theme="dark"] .calc-interest-box {
  background: #1a2d1a !important;
  border-color: rgba(201,168,76,0.2) !important;
}
[data-theme="dark"] .calc-interest-label {
  color: #7fa0bc !important;
}
[data-theme="dark"] .calc-total-box {
  background: #0f2035 !important;
  border-color: #1e3450 !important;
}
[data-theme="dark"] .calc-total-label {
  color: #7fa0bc !important;
}
[data-theme="dark"] .calc-total-value {
  color: #dce8f5 !important;
}
[data-theme="dark"] .calc-info-bar {
  background: #0f2035 !important;
  color: #7fa0bc !important;
}
[data-theme="dark"] .calc-tab-inactive {
  color: #dce8f5 !important;
  border-color: #1e3450 !important;
}


/* ── Rates & Requirements Table — Dark Mode ─────────────────── */
[data-theme="dark"] .rates-table-wrap {
  box-shadow: 0 12px 48px rgba(0,0,0,.4) !important;
}
[data-theme="dark"] .rates-row-white {
  background: #122036 !important;
  border-bottom-color: #1e3450 !important;
}
[data-theme="dark"] .rates-row-alt {
  background: #0f2035 !important;
  border-bottom-color: #1e3450 !important;
}
[data-theme="dark"] .rates-product-name {
  color: #dce8f5 !important;
}
[data-theme="dark"] .rates-cell {
  color: #7fa0bc !important;
}
[data-theme="dark"] .rates-badge-green {
  background: #1a3a1a !important;
  color: #6fcf7f !important;
}
[data-theme="dark"] .rates-badge-gold {
  background: #2a1f0a !important;
  color: #d4a843 !important;
}
[data-theme="dark"] .rates-footer-note {
  color: #7fa0bc !important;
}


/* ================================================================
   PREMIUM ANIMATION SYSTEM — Testimony Sacco
   ================================================================ */

/* ── 1. Scroll Reveal — elements fade/slide in on scroll ───────── */
.reveal {
  opacity: 0;
  transform: translateY(40px);
  transition: opacity 0.7s cubic-bezier(.22,1,.36,1),
              transform 0.7s cubic-bezier(.22,1,.36,1);
}
.reveal.visible {
  opacity: 1;
  transform: translateY(0);
}
.reveal-left {
  opacity: 0;
  transform: translateX(-50px);
  transition: opacity 0.7s cubic-bezier(.22,1,.36,1),
              transform 0.7s cubic-bezier(.22,1,.36,1);
}
.reveal-left.visible {
  opacity: 1;
  transform: translateX(0);
}
.reveal-right {
  opacity: 0;
  transform: translateX(50px);
  transition: opacity 0.7s cubic-bezier(.22,1,.36,1),
              transform 0.7s cubic-bezier(.22,1,.36,1);
}
.reveal-right.visible {
  opacity: 1;
  transform: translateX(0);
}
.reveal-scale {
  opacity: 0;
  transform: scale(0.85);
  transition: opacity 0.6s cubic-bezier(.22,1,.36,1),
              transform 0.6s cubic-bezier(.22,1,.36,1);
}
.reveal-scale.visible {
  opacity: 1;
  transform: scale(1);
}

/* ── 2. Stagger delays ─────────────────────────────────────────── */
.delay-1 { transition-delay: 0.1s !important; }
.delay-2 { transition-delay: 0.2s !important; }
.delay-3 { transition-delay: 0.3s !important; }
.delay-4 { transition-delay: 0.4s !important; }
.delay-5 { transition-delay: 0.5s !important; }
.delay-6 { transition-delay: 0.6s !important; }

/* ── 3. Card hover — lift + glow + border light ────────────────── */
.card {
  transition: transform 0.4s cubic-bezier(.22,1,.36,1),
              box-shadow 0.4s ease,
              border-color 0.3s ease !important;
}
.card:hover {
  transform: translateY(-10px) scale(1.02) !important;
  box-shadow: 0 20px 60px rgba(31,56,100,.18),
              0 0 0 1px rgba(201,168,76,.3) !important;
  border-color: rgba(201,168,76,.4) !important;
}
.card:hover .card-icon {
  transform: scale(1.15) rotate(-5deg);
  background: var(--gold-pale);
  transition: transform 0.4s cubic-bezier(.22,1,.36,1), background 0.3s;
}
.card-icon {
  transition: transform 0.4s cubic-bezier(.22,1,.36,1), background 0.3s;
}

/* ── 4. Stats bar — icon bounce on hover ──────────────────────── */
.stat-item {
  transition: transform 0.3s cubic-bezier(.22,1,.36,1);
  cursor: default;
}
.stat-item:hover {
  transform: translateY(-6px);
}
.stat-item:hover .stat-icon {
  animation: iconBounce 0.5s cubic-bezier(.22,1,.36,1);
}
@keyframes iconBounce {
  0%   { transform: scale(1); }
  40%  { transform: scale(1.25) rotate(-8deg); }
  70%  { transform: scale(0.95) rotate(4deg); }
  100% { transform: scale(1) rotate(0deg); }
}

/* ── 5. News cards — image zoom + slide ───────────────────────── */
.news-card {
  transition: transform 0.4s cubic-bezier(.22,1,.36,1),
              box-shadow 0.4s ease !important;
  overflow: hidden;
}
.news-card:hover {
  transform: translateY(-8px) !important;
  box-shadow: 0 24px 60px rgba(31,56,100,.2) !important;
}
.news-img {
  transition: transform 0.5s cubic-bezier(.22,1,.36,1) !important;
  overflow: hidden;
}
.news-card:hover .news-img {
  transform: scale(1.06) !important;
}

/* ── 6. Testimonial cards — subtle float ──────────────────────── */
.testi-card {
  transition: transform 0.4s cubic-bezier(.22,1,.36,1),
              box-shadow 0.4s ease,
              background 0.3s ease !important;
}
.testi-card:hover {
  transform: translateY(-8px) scale(1.02) !important;
  background: rgba(255,255,255,.14) !important;
  box-shadow: 0 20px 48px rgba(0,0,0,.25) !important;
}
.testi-avatar {
  transition: transform 0.4s cubic-bezier(.22,1,.36,1),
              box-shadow 0.3s ease;
}
.testi-card:hover .testi-avatar {
  transform: scale(1.12) rotate(5deg);
  box-shadow: 0 4px 16px rgba(201,168,76,.4);
}

/* ── 7. Buttons — premium press effect ────────────────────────── */
.btn {
  transition: transform 0.25s cubic-bezier(.22,1,.36,1),
              box-shadow 0.25s ease,
              background 0.25s ease !important;
}
.btn:active {
  transform: scale(0.96) !important;
}
.btn-primary:hover {
  box-shadow: 0 8px 28px rgba(201,168,76,.45) !important;
}
.btn-navy:hover {
  box-shadow: 0 8px 28px rgba(31,56,100,.4) !important;
}

/* ── 8. Why Us items — slide in from left ─────────────────────── */
.why-item {
  transition: transform 0.35s cubic-bezier(.22,1,.36,1),
              background 0.3s ease;
  border-radius: 12px;
  padding: 12px;
  margin: -12px;
}
.why-item:hover {
  transform: translateX(8px);
  background: rgba(201,168,76,.06);
}
.why-check {
  transition: transform 0.35s cubic-bezier(.22,1,.36,1),
              background 0.3s ease,
              color 0.3s ease;
}
.why-item:hover .why-check {
  transform: scale(1.2) rotate(10deg);
  background: var(--gold);
  color: white;
}

/* ── 9. FAQ — smooth expand with icon spin ────────────────────── */
.faq-item {
  transition: box-shadow 0.35s ease,
              border-color 0.35s ease,
              transform 0.3s cubic-bezier(.22,1,.36,1) !important;
}
.faq-item:hover {
  transform: translateX(4px);
}
.faq-item.open {
  box-shadow: 0 8px 32px rgba(31,56,100,.12) !important;
}
.faq-chevron {
  transition: transform 0.4s cubic-bezier(.22,1,.36,1) !important;
}

/* ── 10. Nav links — underline sweep ──────────────────────────── */
.nav-links a::after {
  transition: transform 0.35s cubic-bezier(.22,1,.36,1) !important;
}

/* ── 11. Footer links — slide right ───────────────────────────── */
.footer-col ul a {
  transition: color 0.25s ease, transform 0.25s ease,
              padding-left 0.25s ease !important;
  display: inline-block;
}
.footer-col ul a:hover {
  transform: translateX(6px) !important;
  padding-left: 4px;
}

/* ── 12. Logo hover ────────────────────────────────────────────── */
.logo-wrap:hover .logo-name {
  color: var(--gold) !important;
  transition: color 0.3s ease;
}

/* ── 13. Section labels — shimmer ─────────────────────────────── */
.section-label {
  position: relative;
  display: inline-block;
}

/* ── 14. Trust strip items ─────────────────────────────────────── */
.trust-item {
  transition: transform 0.3s cubic-bezier(.22,1,.36,1),
              background 0.3s ease !important;
}
.trust-item:hover {
  transform: translateY(-3px) !important;
  background: rgba(201,168,76,.15) !important;
}

/* ── 15. Scroll progress bar glow ─────────────────────────────── */
.scroll-progress-bar {
  box-shadow: 0 0 8px rgba(201,168,76,.4);
}

/* ── 16. Why image badges float ───────────────────────────────── */
.why-badge {
  transition: transform 0.3s cubic-bezier(.22,1,.36,1),
              background 0.3s ease !important;
}
.why-badge:hover {
  transform: translateX(6px) !important;
  background: rgba(255,255,255,.18) !important;
}

/* ── 17. Board/value cards ─────────────────────────────────────── */
.board-card, .value-card {
  transition: transform 0.4s cubic-bezier(.22,1,.36,1),
              box-shadow 0.4s ease !important;
}
.board-card:hover, .value-card:hover {
  transform: translateY(-8px) !important;
  box-shadow: 0 16px 48px rgba(31,56,100,.15) !important;
}
.board-avatar {
  transition: transform 0.4s cubic-bezier(.22,1,.36,1),
              box-shadow 0.3s ease;
}
.board-card:hover .board-avatar {
  transform: scale(1.1) rotate(-5deg);
  box-shadow: 0 8px 24px rgba(201,168,76,.35);
}

/* ── 18. Contact cards ─────────────────────────────────────────── */
.contact-card {
  transition: transform 0.35s cubic-bezier(.22,1,.36,1),
              box-shadow 0.35s ease,
              border-color 0.3s ease !important;
}
.contact-card:hover {
  transform: translateX(6px) !important;
  box-shadow: 0 8px 32px rgba(31,56,100,.12) !important;
  border-color: rgba(201,168,76,.3) !important;
}
.contact-icon {
  transition: transform 0.35s cubic-bezier(.22,1,.36,1),
              background 0.3s ease;
}
.contact-card:hover .contact-icon {
  transform: scale(1.15) rotate(8deg);
  background: var(--gold-pale);
}

/* ── 19. CTA band button pulse ─────────────────────────────────── */
.cta-band .btn-navy {
  animation: ctaPulse 2.5s ease-in-out infinite;
}
@keyframes ctaPulse {
  0%,100% { box-shadow: 0 4px 20px rgba(31,56,100,.3); }
  50%      { box-shadow: 0 8px 36px rgba(31,56,100,.5), 0 0 0 6px rgba(31,56,100,.08); }
}

/* ── 20. Page hero text shimmer ────────────────────────────────── */
.page-hero h1 {
  animation: heroTextIn 0.9s cubic-bezier(.22,1,.36,1) both;
}
.page-hero p {
  animation: heroTextIn 0.9s cubic-bezier(.22,1,.36,1) 0.2s both;
}
@keyframes heroTextIn {
  from { opacity: 0; transform: translateY(20px); }
  to   { opacity: 1; transform: translateY(0); }
}


/* ================================================================
   PREMIUM ANIMATION SYSTEM — Testimony Sacco
   ================================================================ */

/* ── 1. SCROLL REVEAL — elements fade+slide in on scroll ──────── */
.reveal {
  opacity: 0;
  transform: translateY(40px);
  transition: opacity 0.7s cubic-bezier(.22,1,.36,1),
              transform 0.7s cubic-bezier(.22,1,.36,1);
}
.reveal.visible {
  opacity: 1;
  transform: translateY(0);
}
.reveal-left {
  opacity: 0;
  transform: translateX(-50px);
  transition: opacity 0.7s cubic-bezier(.22,1,.36,1),
              transform 0.7s cubic-bezier(.22,1,.36,1);
}
.reveal-left.visible {
  opacity: 1;
  transform: translateX(0);
}
.reveal-right {
  opacity: 0;
  transform: translateX(50px);
  transition: opacity 0.7s cubic-bezier(.22,1,.36,1),
              transform 0.7s cubic-bezier(.22,1,.36,1);
}
.reveal-right.visible {
  opacity: 1;
  transform: translateX(0);
}
.reveal-scale {
  opacity: 0;
  transform: scale(0.88);
  transition: opacity 0.6s cubic-bezier(.22,1,.36,1),
              transform 0.6s cubic-bezier(.22,1,.36,1);
}
.reveal-scale.visible {
  opacity: 1;
  transform: scale(1);
}

/* ── 2. STAGGER DELAYS for child elements ─────────────────────── */
.stagger > *:nth-child(1) { transition-delay: 0s; }
.stagger > *:nth-child(2) { transition-delay: 0.1s; }
.stagger > *:nth-child(3) { transition-delay: 0.2s; }
.stagger > *:nth-child(4) { transition-delay: 0.3s; }
.stagger > *:nth-child(5) { transition-delay: 0.4s; }
.stagger > *:nth-child(6) { transition-delay: 0.5s; }

/* ── 3. HERO TEXT ANIMATIONS ──────────────────────────────────── */
@keyframes heroSlideUp {
  from { opacity: 0; transform: translateY(32px); }
  to   { opacity: 1; transform: translateY(0); }
}
@keyframes heroBadgePop {
  0%   { opacity: 0; transform: scale(0.8) translateY(10px); }
  60%  { transform: scale(1.05) translateY(-2px); }
  100% { opacity: 1; transform: scale(1) translateY(0); }
}
.hero-badge  { animation: heroBadgePop  0.7s cubic-bezier(.22,1,.36,1) both 0.2s; }
.hero h1     { animation: heroSlideUp   0.9s cubic-bezier(.22,1,.36,1) both 0.4s; }
.hero p      { animation: heroSlideUp   0.9s cubic-bezier(.22,1,.36,1) both 0.65s; }
.hero-btns   { animation: heroSlideUp   0.9s cubic-bezier(.22,1,.36,1) both 0.85s; }

/* ── 4. STATS BAR — numbers count up ─────────────────────────── */
@keyframes statPop {
  0%   { opacity: 0; transform: translateY(20px) scale(0.9); }
  100% { opacity: 1; transform: translateY(0) scale(1); }
}
.stat-item { animation: none; } /* controlled by JS */

/* ── 5. CARD HOVER — lift + glow ─────────────────────────────── */
.card {
  transition: transform 0.35s cubic-bezier(.22,1,.36,1),
              box-shadow 0.35s ease !important;
}
.card:hover {
  transform: translateY(-10px) !important;
  box-shadow: 0 20px 60px rgba(31,56,100,.18) !important;
}
/* Gold top border grows on hover */
.card::before {
  transition: width 0.35s ease !important;
  width: 0 !important;
  left: 50%;
  transform: translateX(-50%);
}
.card:hover::before {
  width: 100% !important;
}

/* ── 6. NEWS CARD HOVER ───────────────────────────────────────── */
.news-card {
  transition: transform 0.35s cubic-bezier(.22,1,.36,1),
              box-shadow 0.35s ease !important;
}
.news-card:hover {
  transform: translateY(-8px) !important;
  box-shadow: 0 20px 48px rgba(31,56,100,.15) !important;
}

/* ── 7. NAV LINKS — underline slide ──────────────────────────── */
.nav-links a:not(.nav-cta) {
  position: relative;
  overflow: hidden;
}
.nav-links a:not(.nav-cta)::after {
  content: '';
  position: absolute;
  bottom: 2px; left: 0;
  width: 100%; height: 2px;
  background: var(--gold);
  transform: scaleX(0);
  transform-origin: right;
  transition: transform 0.3s cubic-bezier(.22,1,.36,1);
  border-radius: 2px;
}
.nav-links a:not(.nav-cta):hover::after,
.nav-links a:not(.nav-cta).active::after {
  transform: scaleX(1);
  transform-origin: left;
}

/* ── 8. BUTTON ANIMATIONS ─────────────────────────────────────── */
.btn {
  position: relative;
  overflow: hidden;
  transition: transform 0.25s ease, box-shadow 0.25s ease !important;
}
.btn::after {
  content: '';
  position: absolute;
  inset: 0;
  background: rgba(255,255,255,0.15);
  transform: translateX(-100%) skewX(-15deg);
  transition: transform 0.4s ease;
}
.btn:hover::after {
  transform: translateX(120%) skewX(-15deg);
}
.btn-primary:hover {
  transform: translateY(-3px) !important;
  box-shadow: 0 10px 28px rgba(201,168,76,.4) !important;
}
.btn-navy:hover {
  transform: translateY(-3px) !important;
  box-shadow: 0 10px 28px rgba(31,56,100,.35) !important;
}

/* ── 9. STAT NUMBERS — pulse on load ─────────────────────────── */
@keyframes statReveal {
  from { opacity: 0; transform: translateY(16px); }
  to   { opacity: 1; transform: translateY(0); }
}
.stat-num {
  animation: statReveal 0.7s cubic-bezier(.22,1,.36,1) both;
}
.stat-item:nth-child(1) .stat-num { animation-delay: 0.2s; }
.stat-item:nth-child(2) .stat-num { animation-delay: 0.35s; }
.stat-item:nth-child(3) .stat-num { animation-delay: 0.5s; }
.stat-item:nth-child(4) .stat-num { animation-delay: 0.65s; }

/* ── 10. WHY US LIST — slide in alternating ──────────────────── */
.why-item {
  transition: transform 0.3s ease, background 0.3s ease !important;
  border-radius: 12px;
  padding: 12px;
  margin: -12px;
}
.why-item:hover {
  transform: translateX(8px) !important;
  background: rgba(201,168,76,.06);
}
.why-check {
  transition: transform 0.3s cubic-bezier(.22,1,.36,1),
              background 0.3s ease !important;
}
.why-item:hover .why-check {
  transform: scale(1.15) rotate(5deg);
  background: var(--gold) !important;
  color: white !important;
}

/* ── 11. TESTIMONIAL CARDS ────────────────────────────────────── */
.testi-card {
  transition: transform 0.35s cubic-bezier(.22,1,.36,1),
              background 0.35s ease,
              border-color 0.35s ease !important;
}
.testi-card:hover {
  transform: translateY(-6px) scale(1.02) !important;
  border-color: rgba(201,168,76,.4) !important;
}
.testi-avatar {
  transition: transform 0.35s cubic-bezier(.22,1,.36,1) !important;
}
.testi-card:hover .testi-avatar {
  transform: scale(1.12) rotate(-5deg) !important;
}

/* ── 12. FAQ ITEMS ────────────────────────────────────────────── */
.faq-item {
  transition: transform 0.3s ease,
              box-shadow 0.3s ease,
              border-color 0.3s ease !important;
}
.faq-item:hover {
  transform: translateX(4px) !important;
}
.faq-item.open {
  box-shadow: 0 8px 32px rgba(201,168,76,.12) !important;
}

/* ── 13. TRUST STRIP items ────────────────────────────────────── */
.trust-item {
  transition: transform 0.3s ease, background 0.3s ease !important;
}
.trust-item:hover {
  transform: translateY(-3px) !important;
  background: rgba(255,255,255,.15) !important;
}

/* ── 14. FOOTER LINKS ─────────────────────────────────────────── */
.footer-col ul a {
  display: inline-block;
  transition: transform 0.25s ease, color 0.25s ease !important;
}
.footer-col ul a:hover {
  transform: translateX(6px) !important;
  color: var(--gold) !important;
}

/* ── 15. LOGO HOVER ───────────────────────────────────────────── */
.logo-icon {
  transition: transform 0.5s cubic-bezier(.22,1,.36,1),
              box-shadow 0.5s ease !important;
}
.logo-wrap:hover .logo-icon {
  transform: rotate(12deg) scale(1.1) !important;
  box-shadow: 0 8px 24px rgba(201,168,76,.4) !important;
}

/* ── 16. SECTION LABEL pulse ──────────────────────────────────── */
@keyframes labelGlow {
  0%,100% { opacity: 1; }
  50%      { opacity: 0.7; }
}
.section-label {
  animation: labelGlow 3s ease-in-out infinite;
}

/* ── 17. CTA BAND button ──────────────────────────────────────── */
.cta-band .btn-navy {
  transition: all 0.3s cubic-bezier(.22,1,.36,1) !important;
}
.cta-band .btn-navy:hover {
  transform: scale(1.06) translateY(-2px) !important;
  box-shadow: 0 12px 32px rgba(31,56,100,.4) !important;
}

/* ── 18. PAGE TRANSITION ──────────────────────────────────────── */
@keyframes pageReveal {
  from { opacity: 0; transform: translateY(8px); }
  to   { opacity: 1; transform: translateY(0); }
}
.hero, .page-hero {
  animation: pageReveal 0.8s cubic-bezier(.22,1,.36,1) both;
}

/* ── 19. SOCIAL LINKS ─────────────────────────────────────────── */
.social-link {
  transition: transform 0.3s cubic-bezier(.22,1,.36,1),
              background 0.3s ease,
              color 0.3s ease !important;
}
.social-link:hover {
  transform: translateY(-4px) rotate(8deg) scale(1.15) !important;
}

/* ── 20. SCROLL PROGRESS BAR glow ────────────────────────────── */
.scroll-progress-bar > div {
  box-shadow: 0 0 10px rgba(201,168,76,.6);
}


/* ================================================================
   CALCULATOR BREATHING + EXTRA PREMIUM EFFECTS
   ================================================================ */

/* ── Calculator card breathing pulse ─────────────────────────── */
@keyframes calcBreath {
  0%, 100% {
    box-shadow: var(--shadow),
                0 0 0 0 rgba(201,168,76,0);
  }
  50% {
    box-shadow: var(--shadow),
                0 0 32px 6px rgba(201,168,76,0.12);
  }
}
.calc-card {
  animation: calcBreath 3.5s ease-in-out infinite !important;
}

/* ── Calc result boxes pulse when value updates ───────────────── */
@keyframes resultPop {
  0%   { transform: scale(1); }
  40%  { transform: scale(1.04); }
  100% { transform: scale(1); }
}
.calc-result-pop {
  animation: resultPop 0.4s cubic-bezier(.22,1,.36,1);
}

/* ── Slider track glow ────────────────────────────────────────── */
input[type="range"] {
  transition: accent-color 0.3s ease;
}
input[type="range"]:hover {
  accent-color: var(--gold) !important;
}

/* ── Calc tabs hover ──────────────────────────────────────────── */
.calc-tab {
  transition: all 0.25s cubic-bezier(.22,1,.36,1) !important;
  position: relative;
  overflow: hidden;
}
.calc-tab:hover {
  transform: translateY(-2px) !important;
}
.calc-tab.active {
  box-shadow: 0 4px 16px rgba(31,56,100,.25) !important;
  animation: calcTabPulse 2.5s ease-in-out infinite !important;
}
@keyframes calcTabPulse {
  0%,100% { box-shadow: 0 4px 16px rgba(31,56,100,.25); }
  50%     { box-shadow: 0 4px 24px rgba(201,168,76,.3); }
}

/* ── Monthly result number glow ───────────────────────────────── */
@keyframes monthlyGlow {
  0%,100% { text-shadow: none; }
  50%     { text-shadow: 0 0 20px rgba(255,255,255,.4); }
}
#monthlyResult {
  animation: monthlyGlow 2.5s ease-in-out infinite;
}

/* ── Preloader ring double-spin ───────────────────────────────── */
@keyframes ringSpinReverse {
  from { transform: rotate(90deg); }
  to   { transform: rotate(-270deg); }
}

/* ── FLOATING ACTION BUTTON pulse ────────────────────────────── */
@keyframes fabPulse {
  0%,100% {
    box-shadow: 0 4px 20px rgba(37,211,102,.5),
                0 0 0 0 rgba(37,211,102,.3);
  }
  50% {
    box-shadow: 0 4px 32px rgba(37,211,102,.7),
                0 0 0 12px rgba(37,211,102,0);
  }
}
.whatsapp-float {
  animation: fabPulse 2s ease-in-out infinite !important;
}

/* ── SCROLL-UP button bounce ──────────────────────────────────── */
@keyframes scrollBounce {
  0%,100% { transform: translateY(0); }
  50%     { transform: translateY(-5px); }
}
.scroll-top.show {
  animation: scrollBounce 1.8s ease-in-out infinite !important;
}

/* ── HERO badge shimmer ───────────────────────────────────────── */
@keyframes badgeShimmer {
  0%   { background-position: -200% center; }
  100% { background-position: 200% center; }
}
.hero-badge {
  background: linear-gradient(
    90deg,
    rgba(201,168,76,.15) 0%,
    rgba(201,168,76,.35) 40%,
    rgba(240,208,128,.4) 50%,
    rgba(201,168,76,.35) 60%,
    rgba(201,168,76,.15) 100%
  );
  background-size: 200% auto;
  animation: heroBadgePop 0.7s cubic-bezier(.22,1,.36,1) both 0.2s,
             badgeShimmer 4s linear 1.5s infinite !important;
}

/* ── SECTION divider wave animation ──────────────────────────── */
@keyframes waveFlow {
  0%   { transform: translateX(0); }
  100% { transform: translateX(-50%); }
}

/* ── STATS numbers color flash when counted ───────────────────── */
@keyframes numFlash {
  0%   { color: var(--gold); transform: scale(1.1); }
  100% { color: var(--navy); transform: scale(1); }
}
.stat-counted {
  animation: numFlash 0.5s ease forwards;
}

/* ── NEWS tag bounce in ───────────────────────────────────────── */
.news-tag {
  transition: transform 0.3s ease, background 0.3s ease !important;
}
.news-card:hover .news-tag {
  transform: scale(1.08) translateY(-1px) !important;
}

/* ── Board/Value card hover lift ─────────────────────────────── */
.board-card, .value-card {
  transition: transform 0.35s cubic-bezier(.22,1,.36,1),
              box-shadow 0.35s ease !important;
}
.board-card:hover, .value-card:hover {
  transform: translateY(-8px) !important;
  box-shadow: 0 16px 40px rgba(31,56,100,.15) !important;
}
.board-avatar {
  transition: transform 0.4s cubic-bezier(.22,1,.36,1) !important;
}
.board-card:hover .board-avatar {
  transform: scale(1.1) rotate(-5deg) !important;
}
.value-icon {
  transition: transform 0.4s cubic-bezier(.22,1,.36,1) !important;
  display: inline-block;
}
.value-card:hover .value-icon {
  transform: scale(1.2) rotate(10deg) !important;
}

/* ── Contact card hover ───────────────────────────────────────── */
.contact-card {
  transition: transform 0.35s cubic-bezier(.22,1,.36,1),
              box-shadow 0.35s ease,
              border-color 0.35s ease !important;
}
.contact-card:hover {
  transform: translateX(6px) !important;
  border-left: 3px solid var(--gold) !important;
  box-shadow: 0 8px 32px rgba(31,56,100,.12) !important;
}
.contact-icon {
  transition: transform 0.3s cubic-bezier(.22,1,.36,1),
              background 0.3s ease !important;
}
.contact-card:hover .contact-icon {
  transform: scale(1.15) rotate(5deg) !important;
  background: var(--gold) !important;
  color: var(--navy) !important;
}


/* Real stories subtitle — force white on navy section */
section.section-navy p.section-sub {
  color: rgba(255,255,255,0.85) !important;
}
[data-theme="dark"] section.section-navy p.section-sub {
  color: rgba(220,232,245,0.8) !important;
}


/* ── Calculator Mobile Responsive ───────────────────────────── */
@media (max-width: 640px) {
  .calc-card {
    padding: 20px 16px !important;
    border-radius: 16px !important;
  }
  .calc-tab {
    font-size: 12px !important;
    padding: 8px 6px !important;
  }
  #monthlyResult,
  #interestResult,
  #totalResult {
    font-size: 20px !important;
  }
  /* Stack result boxes 1 column on very small screens */
  @media (max-width: 400px) {
    .calc-results-grid {
      grid-template-columns: 1fr !important;
    }
  }
}


/* ================================================================
   CALCULATOR — FULLY RESPONSIVE PHONE FIX
   ================================================================ */

/* Tabs — 2x2 grid on phone, row on desktop */
@media (max-width: 640px) {

  /* Calculator section padding */
  .calc-card {
    padding: 20px 16px !important;
    border-radius: 16px !important;
  }

  /* Tabs — 2 per row */
  .calc-card > div:first-child {
    display: grid !important;
    grid-template-columns: 1fr 1fr !important;
    gap: 8px !important;
  }
  .calc-tab {
    font-size: 12px !important;
    padding: 10px 8px !important;
    border-radius: 12px !important;
    text-align: center !important;
  }

  /* Inputs — stack vertically */
  .calc-card > div:nth-child(2) {
    grid-template-columns: 1fr !important;
    gap: 20px !important;
  }

  /* Results — stack vertically on very small screens */
  .calc-card > div:nth-child(3) {
    grid-template-columns: 1fr !important;
    gap: 10px !important;
  }

  /* Result boxes smaller */
  .calc-interest-box,
  .calc-total-box {
    padding: 14px !important;
  }

  /* Monthly result text smaller */
  #monthlyResult,
  #interestResult,
  #totalResult {
    font-size: 22px !important;
  }

  /* Rate info bar smaller text */
  .calc-info-bar {
    font-size: 12px !important;
    padding: 10px 12px !important;
  }

  /* CTA button full width */
  .calc-card .btn-navy {
    width: 100% !important;
    justify-content: center !important;
    padding: 14px 20px !important;
  }

  /* Amount display */
  #amountDisplay,
  #periodDisplay {
    font-size: 14px !important;
  }
}

/* Medium screens — keep 3 results in a row but smaller */
@media (max-width: 480px) {
  .calc-card > div:nth-child(3) {
    grid-template-columns: 1fr !important;
  }
}

/* ================================================================
   PHASE 2-5 ENHANCEMENTS
   ================================================================ */

/* ── Notification Bell ───────────────────────────────────────── */
.notif-bell {
  position: relative; background: none; border: none;
  cursor: pointer; padding: 6px; font-size: 20px;
  transition: transform .3s ease;
}
.notif-bell:hover { transform: rotate(15deg) scale(1.1); }
.notif-badge {
  position: absolute; top: 0; right: 0;
  background: linear-gradient(135deg,#e53935,#c62828);
  color: white; font-size: 9px; font-weight: 800;
  width: 18px; height: 18px; border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  border: 2px solid white; animation: badgePulse 2s ease-in-out infinite;
}
@keyframes badgePulse {
  0%,100% { box-shadow: 0 0 0 0 rgba(229,57,53,.4); }
  50%      { box-shadow: 0 0 0 6px rgba(229,57,53,0); }
}

/* ── Notification Panel ──────────────────────────────────────── */
.notif-panel {
  position: fixed; top: 70px; right: 16px; width: 320px;
  background: var(--white); border-radius: 16px;
  box-shadow: 0 16px 48px rgba(31,56,100,.2);
  border: 1px solid var(--border); z-index: 500;
  display: none; overflow: hidden;
  animation: slideDown .3s cubic-bezier(.22,1,.36,1);
}
@keyframes slideDown {
  from { opacity:0; transform:translateY(-10px); }
  to   { opacity:1; transform:translateY(0); }
}
.notif-panel.open { display: block; }
.notif-header {
  padding: 16px 18px 12px;
  background: linear-gradient(135deg,var(--navy),var(--navy-mid));
  color: white; display: flex; justify-content: space-between; align-items: center;
}
.notif-header h4 { font-size: 14px; font-weight: 700; margin: 0; }
.notif-item {
  padding: 14px 18px; border-bottom: 1px solid var(--border);
  display: flex; gap: 12px; align-items: flex-start;
  transition: background .2s;
}
.notif-item:hover { background: var(--warm-bg); }
.notif-item.unread { border-left: 3px solid var(--gold); background: var(--gold-pale); }
.notif-ico { font-size: 20px; flex-shrink: 0; margin-top: 2px; }
.notif-title { font-size: 13px; font-weight: 700; color: var(--navy); }
.notif-desc  { font-size: 12px; color: var(--text-light); margin-top: 2px; line-height: 1.5; }
.notif-time  { font-size: 11px; color: var(--text-light); margin-top: 4px; }
[data-theme="dark"] .notif-panel { background: #0d1825; border-color: #1e3450; }
[data-theme="dark"] .notif-item { border-color: #1e3450; }
[data-theme="dark"] .notif-item:hover { background: #122036; }
[data-theme="dark"] .notif-item.unread { background: rgba(201,168,76,.06); }
[data-theme="dark"] .notif-title { color: #dce8f5; }
[data-theme="dark"] .notif-desc  { color: #7fa0bc; }

/* ── Savings Chart ───────────────────────────────────────────── */
.chart-container {
  background: var(--white); border-radius: 14px;
  padding: 20px; border: 1px solid var(--border);
  box-shadow: var(--shadow); margin-bottom: 20px;
}
.chart-bar-wrap {
  display: flex; align-items: flex-end; gap: 8px;
  height: 140px; padding: 0 8px;
}
.chart-bar-col { flex: 1; display: flex; flex-direction: column; align-items: center; gap: 6px; }
.chart-bar {
  width: 100%; border-radius: 6px 6px 0 0;
  background: linear-gradient(180deg, var(--navy-mid), var(--navy));
  transition: height .8s cubic-bezier(.22,1,.36,1);
  min-height: 4px; position: relative; cursor: pointer;
}
.chart-bar:hover { background: linear-gradient(180deg, var(--gold), #c9a84c); }
.chart-bar-val { font-size: 9px; font-weight: 700; color: var(--navy); }
.chart-bar-lbl { font-size: 9px; color: var(--text-light); }
[data-theme="dark"] .chart-container { background: #0d1825; border-color: #1e3450; }
[data-theme="dark"] .chart-bar-val { color: #dce8f5; }
[data-theme="dark"] .chart-bar-lbl { color: #7fa0bc; }

/* ── Financial Health Score ──────────────────────────────────── */
.health-score {
  background: linear-gradient(135deg, var(--navy), var(--navy-mid));
  border-radius: 16px; padding: 24px; color: white;
  text-align: center; position: relative; overflow: hidden;
}
.health-score-ring {
  width: 100px; height: 100px; margin: 0 auto 16px;
  position: relative; display: flex; align-items: center; justify-content: center;
}
.health-score-ring svg { position: absolute; top: 0; left: 0; transform: rotate(-90deg); }
.health-score-num {
  font-size: 28px; font-weight: 700;
  font-family: 'Playfair Display', serif;
  color: var(--gold);
}
.health-score-label { font-size: 12px; color: rgba(255,255,255,.7); margin-top: 4px; }

/* ── M-Pesa Button ───────────────────────────────────────────── */
.mpesa-btn {
  background: linear-gradient(135deg, #4caf50, #2e7d32);
  color: white; border: none; border-radius: 12px;
  padding: 14px 24px; font-size: 14px; font-weight: 700;
  cursor: pointer; display: flex; align-items: center; gap: 10px;
  transition: all .3s cubic-bezier(.22,1,.36,1);
  box-shadow: 0 6px 20px rgba(46,125,50,.3);
  font-family: inherit; width: 100%; justify-content: center;
}
.mpesa-btn:hover { transform: translateY(-2px); box-shadow: 0 10px 28px rgba(46,125,50,.4); }
.mpesa-logo { font-size: 22px; }

/* ── Credit Score Indicator ──────────────────────────────────── */
.credit-score {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 6px 16px; border-radius: 20px; font-size: 12px; font-weight: 700;
}
.credit-green { background: rgba(46,125,50,.1); color: #1b5e20; border: 1.5px solid rgba(46,125,50,.3); }
.credit-amber { background: rgba(201,168,76,.1); color: #8a6820; border: 1.5px solid rgba(201,168,76,.3); }
.credit-red   { background: rgba(183,28,28,.1);  color: #b71c1c; border: 1.5px solid rgba(183,28,28,.3); }

/* ── PWA Install Banner ──────────────────────────────────────── */
.pwa-banner {
  display: none; position: fixed; bottom: 80px; left: 16px; right: 16px;
  background: linear-gradient(135deg, var(--navy), var(--navy-mid));
  color: white; border-radius: 16px; padding: 16px 20px;
  z-index: 998; box-shadow: 0 12px 40px rgba(31,56,100,.35);
  animation: slideUp .4s cubic-bezier(.22,1,.36,1);
}
@keyframes slideUp { from{opacity:0;transform:translateY(20px)} to{opacity:1;transform:translateY(0)} }
.pwa-banner.show { display: flex; align-items: center; gap: 14px; flex-wrap: wrap; }

/* ── Branch Selector ─────────────────────────────────────────── */
.branch-selector {
  display: flex; align-items: center; gap: 8px;
  background: rgba(255,255,255,.08); border: 1px solid rgba(255,255,255,.15);
  border-radius: 8px; padding: 5px 12px; cursor: pointer;
  transition: all .25s;
}
.branch-selector:hover { background: rgba(255,255,255,.15); }
.branch-selector select {
  background: none; border: none; color: white;
  font-size: 12px; font-weight: 700; cursor: pointer;
  outline: none; font-family: inherit;
}
.branch-selector select option { background: var(--navy); }

/* ── Analytics Chart (Admin) ─────────────────────────────────── */
.analytics-grid {
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 20px; margin-bottom: 24px;
}
.analytics-card {
  background: white; border-radius: 16px;
  border: 1px solid rgba(31,56,100,.08);
  box-shadow: 0 4px 16px rgba(31,56,100,.08);
  padding: 20px; overflow: hidden;
}
.analytics-card h4 { font-size: 14px; font-weight: 700; color: var(--navy); margin-bottom: 16px; }
.bar-chart { display: flex; align-items: flex-end; gap: 6px; height: 120px; }
.bar-col { flex: 1; display: flex; flex-direction: column; align-items: center; gap: 4px; }
.bar-fill {
  width: 100%; border-radius: 4px 4px 0 0; min-height: 4px;
  transition: height .9s cubic-bezier(.22,1,.36,1);
}
.bar-fill.savings { background: linear-gradient(180deg, var(--navy-mid), var(--navy)); }
.bar-fill.loans   { background: linear-gradient(180deg, #ef9a9a, #c62828); }
.bar-fill.collect { background: linear-gradient(180deg, #81c784, #2e7d32); }
.bar-lbl { font-size: 9px; color: var(--text-light); }
.bar-val { font-size: 9px; font-weight: 700; color: var(--navy); }
[data-theme="dark"] .analytics-card { background: #0d1825 !important; border-color: #1e3450 !important; }
[data-theme="dark"] .analytics-card h4 { color: #dce8f5 !important; }
[data-theme="dark"] .bar-lbl { color: #7fa0bc !important; }
[data-theme="dark"] .bar-val { color: #dce8f5 !important; }

/* ── Investment Products ─────────────────────────────────────── */
.invest-card {
  background: var(--white); border-radius: 16px;
  padding: 24px; border: 1px solid var(--border);
  box-shadow: var(--shadow); position: relative; overflow: hidden;
  transition: transform .3s ease, box-shadow .3s ease;
}
.invest-card::before {
  content: ''; position: absolute; top: 0; left: 0; right: 0; height: 4px;
  background: linear-gradient(90deg, var(--navy), var(--gold));
}
.invest-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); }
.invest-badge {
  display: inline-block; font-size: 10px; font-weight: 800;
  padding: 3px 10px; border-radius: 20px; margin-bottom: 12px;
  text-transform: uppercase; letter-spacing: .5px;
}
.badge-coming { background: var(--gold-pale); color: #8a6820; border: 1px solid rgba(201,168,76,.3); }
.badge-new    { background: rgba(46,125,50,.1); color: #1b5e20; border: 1px solid rgba(46,125,50,.3); }

@media (max-width: 768px) {
  .analytics-grid { grid-template-columns: 1fr; }
  .notif-panel { right: 8px; left: 8px; width: auto; }
}


/* ── Investment Cards — dark mode ── */
[data-theme="dark"] .invest-card {
  background: #0d1825 !important;
  border-color: #1e3450 !important;
  box-shadow: 0 4px 16px rgba(0,0,0,.3) !important;
}
[data-theme="dark"] .invest-card h3,
[data-theme="dark"] .invest-card p {
  color: #b8d0e8 !important;
}
[data-theme="dark"] .badge-coming {
  background: rgba(201,168,76,.15) !important;
  color: #d4a843 !important;
  border-color: rgba(201,168,76,.3) !important;
}

/* ── Be Part of Future banner — dark mode ── */
[data-theme="dark"] .future-banner {
  background: linear-gradient(135deg,#0a1628,#0d1e38) !important;
  border: 1px solid rgba(201,168,76,.15) !important;
}

/* ── Board section — theme-aware background ── */
.board-section {
  background: var(--navy-dark) !important;
}
.board-section .section-title {
  color: white !important;
}
[data-theme="dark"] .board-section {
  background: #060f1a !important;
}

/* ── CTA band buttons — always light mode appearance ── */
[data-theme="dark"] .cta-band .btn-navy {
  background: var(--navy) !important;
  color: white !important;
  border-color: var(--navy) !important;
}
[data-theme="dark"] .cta-band .btn {
  background: rgba(255,255,255,.15) !important;
  color: var(--navy) !important;
  border: 1.5px solid var(--navy) !important;
}
[data-theme="dark"] .cta-band .btn:hover {
  background: rgba(255,255,255,.25) !important;
}

/* ================================================================
   DARK MODE — COMPREHENSIVE FIXES
   ================================================================ */

/* ── Loan calculator — navy text elements ── */
[data-theme="dark"] .calc-tab-inactive strong,
[data-theme="dark"] #rateDisplay,
[data-theme="dark"] .calc-info-bar strong { color: var(--gold) !important; }

/* ── Testimonials section ── */
[data-theme="dark"] .testi-card { background: #0d1825 !important; border-color: #1e3450 !important; }
[data-theme="dark"] .testi-text { color: #b8d0e8 !important; }
[data-theme="dark"] .testi-name { color: #dce8f5 !important; }
[data-theme="dark"] .testi-role { color: #7fa0bc !important; }

/* ── Testimonials paragraph on index navy section ── */
[data-theme="dark"] [style*="color:#1F3864"] { color: #b8d0e8 !important; }
[data-theme="dark"] [style*="color:#1f3864"] { color: #b8d0e8 !important; }

/* ── Investment card headings ── */
[data-theme="dark"] .invest-card h3 { color: #dce8f5 !important; }
[data-theme="dark"] .invest-card p  { color: #7fa0bc !important; }
[data-theme="dark"] .invest-card a  { color: var(--gold) !important; }

/* ── Services page — rates product name dots ── */
[data-theme="dark"] [style*="background:#1F3864"] { background: var(--gold) !important; }

/* ── News page CTA button ── */
[data-theme="dark"] .section-navy .btn[style*="color:var(--navy)"] {
  color: var(--navy-dark) !important;
  background: rgba(255,255,255,.15) !important;
}

/* ── Member dashboard notifications ── */
[data-theme="dark"] .notif-item { background: #0d1825 !important; border-color: #1e3450 !important; }
[data-theme="dark"] .notif-item [style*="color:var(--navy)"] { color: #dce8f5 !important; }

/* ── Member dashboard savings display ── */
[data-theme="dark"] [style*="color:var(--navy);font-size:15px"] { color: #dce8f5 !important; }
[data-theme="dark"] [style*="color:var(--navy);margin"] { color: #dce8f5 !important; }

/* ── Services page — View Our Services button on navy section ── */
[data-theme="dark"] .section-navy .btn {
  background: rgba(255,255,255,.12) !important;
  color: white !important;
  border-color: rgba(255,255,255,.3) !important;
}
[data-theme="dark"] .section-navy .btn:hover {
  background: rgba(255,255,255,.22) !important;
}

/* ── Keep CTA band buttons consistent ── */
[data-theme="dark"] .cta-band .btn-outline {
  border-color: var(--navy) !important;
  color: var(--navy) !important;
}

/* ── CTA outline button — always navy ── */
.cta-outline {
  border-color: var(--navy) !important;
  color: var(--navy) !important;
}
[data-theme="dark"] .cta-outline {
  border-color: var(--navy) !important;
  color: var(--navy) !important;
}

/* ================================================================
   GOLD SECTIONS — LOCKED: always same in light and dark mode
   ================================================================ */

/* CTA band — always gold, never changes */
[data-theme="dark"] .cta-band {
  background: linear-gradient(135deg, var(--gold), #a8872e) !important;
}
[data-theme="dark"] .cta-band h2 { color: var(--navy) !important; }
[data-theme="dark"] .cta-band p  { color: rgba(31,56,100,.75) !important; }
[data-theme="dark"] .cta-band .section-label { color: var(--navy) !important; opacity: .7; }

/* Stats bar (gold numbers on homepage) — always same */
[data-theme="dark"] .stats-bar { background: linear-gradient(135deg, var(--gold), #a8872e) !important; }
[data-theme="dark"] .stat-num  { color: var(--navy) !important; }
[data-theme="dark"] .stat-lbl  { color: rgba(31,56,100,.75) !important; }

/* Section labels (gold dashed lines) — always gold */
[data-theme="dark"] .section-label { color: var(--gold) !important; }

/* Gold badges and tags — always same */
[data-theme="dark"] .badge-coming {
  background: rgba(201,168,76,.15) !important;
  color: #d4a843 !important;
  border-color: rgba(201,168,76,.3) !important;
}

/* Gold section dividers/underlines */
[data-theme="dark"] .section-title::after { background: var(--gold) !important; }

/* Gold highlights in loan calculator */
[data-theme="dark"] .calc-tab-active {
  background: var(--gold) !important;
  color: var(--navy) !important;
}

/* Nav gold badge */
[data-theme="dark"] .admin-badge {
  background: linear-gradient(135deg, var(--gold), #e0c068) !important;
  color: var(--navy) !important;
}

/* ================================================================
   CTA BAND — HARD LOCK: always identical to light mode
   ================================================================ */
[data-theme="dark"] .cta-band,
[data-theme="dark"] .cta-band * {
  -webkit-text-fill-color: unset !important;
}
[data-theme="dark"] .cta-band h2 {
  color: var(--navy) !important;
  background: none !important;
  -webkit-background-clip: unset !important;
  -webkit-text-fill-color: var(--navy) !important;
  background-clip: unset !important;
}
[data-theme="dark"] .cta-band p {
  color: rgba(31,56,100,.75) !important;
}
[data-theme="dark"] .cta-band .btn-navy {
  background: var(--navy) !important;
  color: white !important;
  border-color: var(--navy) !important;
}
[data-theme="dark"] .cta-band .btn-outline,
[data-theme="dark"] .cta-band .btn:not(.btn-navy),
[data-theme="dark"] .cta-outline {
  background: transparent !important;
  color: var(--navy) !important;
  border: 2px solid var(--navy) !important;
}
[data-theme="dark"] .cta-band .btn-navy:hover {
  background: var(--navy-dark) !important;
  color: white !important;
}
[data-theme="dark"] .cta-band .btn-outline:hover,
[data-theme="dark"] .cta-band .btn:not(.btn-navy):hover {
  background: rgba(31,56,100,.1) !important;
  color: var(--navy) !important;
}

/* ================================================================
   FINAL GOLD SECTION OVERRIDE — beats all other dark mode rules
   ================================================================ */
html[data-theme="dark"] .cta-band h1,
html[data-theme="dark"] .cta-band h2,
html[data-theme="dark"] .cta-band h3,
html[data-theme="dark"] .cta-band h4,
html[data-theme="dark"] .cta-band .section-title,
html[data-theme="dark"] .cta-band .section-sub,
html[data-theme="dark"] .cta-band p {
  color: var(--navy) !important;
  background: none !important;
  -webkit-background-clip: unset !important;
  -webkit-text-fill-color: var(--navy) !important;
  background-clip: unset !important;
}
html[data-theme="dark"] .cta-band p,
html[data-theme="dark"] .cta-band .section-sub {
  color: rgba(31,56,100,.75) !important;
  -webkit-text-fill-color: rgba(31,56,100,.75) !important;
}
html[data-theme="dark"] .cta-band .btn-navy {
  background: var(--navy) !important;
  color: white !important;
  -webkit-text-fill-color: white !important;
  border-color: var(--navy) !important;
}
html[data-theme="dark"] .cta-band .btn:not(.btn-navy) {
  background: transparent !important;
  color: var(--navy) !important;
  -webkit-text-fill-color: var(--navy) !important;
  border: 2px solid var(--navy) !important;
}

/* ── Newsletter section — dark mode ── */
[data-theme="dark"] .newsletter-section {
  background: #060f1a !important;
  border-top: 1px solid #1e3450;
  border-bottom: 1px solid #1e3450;
}

/* ── Why section image card — dark mode ── */
[data-theme="dark"] .why-img,
html[data-theme="dark"] .why-img {
  background: linear-gradient(135deg, #060f1a, #0d1e38) !important;
  border: 1px solid rgba(201,168,76,.2) !important;
  box-shadow: 0 4px 24px rgba(0,0,0,.4) !important;
}
[data-theme="dark"] .why-badge,
html[data-theme="dark"] .why-badge {
  background: rgba(255,255,255,.06) !important;
  border-color: rgba(255,255,255,.1) !important;
  color: #b8d0e8 !important;
}

/* ── Subscribe button dark mode ──────────────────────────────── */
.btn-subscribe {
  font-family: inherit;
  letter-spacing: 0.2px;
}
[data-theme="dark"] .btn-subscribe {
  background: var(--gold) !important;
  color: #0f1e30 !important;
  box-shadow: 0 4px 14px rgba(201,168,76,.35);
}
[data-theme="dark"] .btn-subscribe:hover {
  background: var(--gold-light, #f0d080) !important;
  color: #0a1420 !important;
}

/* ── btn-primary in dark mode — enhanced contrast ─────────────── */
[data-theme="dark"] .btn-primary {
  background: linear-gradient(135deg, #e0c060, #C9A84C) !important;
  color: #0f1e30 !important;
  box-shadow: 0 6px 20px rgba(201,168,76,.45) !important;
}
[data-theme="dark"] .btn-primary:hover {
  background: linear-gradient(135deg, #f0d070, #d4b050) !important;
  color: #0a1420 !important;
  box-shadow: 0 8px 28px rgba(201,168,76,.55) !important;
  transform: translateY(-2px);
}
[data-theme="dark"] .btn-primary svg,
[data-theme="dark"] .btn-primary svg path,
[data-theme="dark"] .btn-primary svg polyline,
[data-theme="dark"] .btn-primary svg line {
  stroke: #0f1e30 !important;
}