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

:root {
  /* Colors - Trust Blue & Gold Palette */
  --primary-blue: #0A2540; /* Deeper, richer blue */
  --primary-blue-dark: #06182C;
  --primary-blue-light: #1A4971;
  --accent-gold: #E2B750; /* Softer, premium gold */
  --accent-gold-hover: #D4AF37;
  --accent-gold-light: rgba(226, 183, 80, 0.1);
  
  --text-dark: #1E293B;
  --text-muted: #64748B;
  --text-light: #F8FAFC;
  
  --bg-white: #FFFFFF;
  --bg-light: #F1F5F9; /* Cooler light gray for modern feel */
  --bg-blue-tint: #F0F4F8;
  
  /* Typography */
  --font-sans: 'Inter', sans-serif;
  --font-heading: 'Outfit', sans-serif;
  
  /* Layout & Shadows */
  --max-width: 1280px;
  --shadow-sm: 0 1px 2px 0 rgba(0, 0, 0, 0.05);
  --shadow-md: 0 4px 6px -1px rgba(0, 0, 0, 0.05), 0 2px 4px -1px rgba(0, 0, 0, 0.03);
  --shadow-lg: 0 20px 25px -5px rgba(0, 0, 0, 0.05), 0 10px 10px -5px rgba(0, 0, 0, 0.02);
  --shadow-glow: 0 0 20px rgba(226, 183, 80, 0.3);
  --radius-md: 12px;
  --radius-lg: 24px;
  --radius-xl: 32px;
  
  /* Transitions */
  --transition-fast: 0.2s cubic-bezier(0.4, 0, 0.2, 1);
  --transition-normal: 0.4s cubic-bezier(0.4, 0, 0.2, 1);
  --transition-slow: 0.8s cubic-bezier(0.4, 0, 0.2, 1);
}

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

html {
  scroll-behavior: smooth;
}

body {
  font-family: var(--font-sans);
  color: var(--text-dark);
  background-color: var(--bg-light);
  line-height: 1.7;
  overflow-x: hidden;
}

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

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

ul {
  list-style: none;
}

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

/* Container */
.container {
  width: 100%;
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 1.5rem;
}

/* Utility Classes */
.text-center { text-align: center; }
.text-gold { color: var(--accent-gold); }
.text-blue { color: var(--primary-blue); }
.bg-white { background-color: var(--bg-white); }
.bg-blue { background-color: var(--primary-blue); color: var(--bg-white); }
.bg-light { background-color: var(--bg-light); }

.section-padding { padding: 6rem 0; }
.mb-1 { margin-bottom: 0.5rem; }
.mb-2 { margin-bottom: 1rem; }
.mb-3 { margin-bottom: 1.5rem; }
.mb-4 { margin-bottom: 2.5rem; }
.mt-4 { margin-top: 2.5rem; }

/* Elegant Scroll Animations */
.animate-on-scroll {
  opacity: 0;
  transform: translateY(30px);
  transition: opacity 0.8s cubic-bezier(0.16, 1, 0.3, 1), transform 0.8s cubic-bezier(0.16, 1, 0.3, 1);
  will-change: opacity, transform;
}

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

.fade-in {
  transform: translateY(0) scale(0.95);
}

.fade-in.is-visible {
  transform: translateY(0) scale(1);
}

/* Buttons */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 0.875rem 2rem;
  border-radius: 50px;
  font-weight: 600;
  cursor: pointer;
  transition: all var(--transition-normal);
  border: none;
  font-family: var(--font-sans);
  letter-spacing: 0.02em;
  position: relative;
  overflow: hidden;
  z-index: 1;
}

.btn::before {
  content: '';
  position: absolute;
  top: 0; left: 0; width: 100%; height: 100%;
  background: rgba(255,255,255,0.1);
  transform: scaleX(0);
  transform-origin: right;
  transition: transform var(--transition-normal);
  z-index: -1;
  border-radius: 50px;
}

.btn:hover::before {
  transform: scaleX(1);
  transform-origin: left;
}

.btn-primary {
  background-color: var(--accent-gold);
  color: var(--primary-blue-dark);
  box-shadow: 0 4px 15px rgba(226, 183, 80, 0.4);
}

.btn-primary:hover {
  transform: translateY(-3px);
  box-shadow: 0 8px 25px rgba(226, 183, 80, 0.5);
}

.btn-outline {
  background-color: transparent;
  border: 2px solid var(--accent-gold);
  color: var(--accent-gold);
}

.btn-outline:hover {
  background-color: var(--accent-gold);
  color: var(--primary-blue-dark);
  transform: translateY(-3px);
}

/* Header & Navigation */
header {
  background: rgba(255, 255, 255, 0.9);
  backdrop-filter: blur(10px);
  -webkit-backdrop-filter: blur(10px);
  box-shadow: var(--shadow-sm);
  position: sticky;
  top: 0;
  z-index: 1000;
  transition: all var(--transition-fast);
}

.top-bar {
  background-color: var(--primary-blue-dark);
  color: rgba(255,255,255,0.8);
  font-size: 0.875rem;
  padding: 0.5rem 0;
  font-weight: 500;
}

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

.top-bar-links a {
  margin-left: 1rem;
  color: var(--accent-gold);
}

.main-nav {
  padding: 1.25rem 0;
}

.main-nav .container {
  display: flex;
  justify-content: space-between;
  align-items: center;
}

.logo {
  font-family: var(--font-heading);
  font-size: 1.75rem;
  font-weight: 800;
  color: var(--primary-blue);
  display: flex;
  flex-direction: column;
  letter-spacing: -0.03em;
}

.logo span {
  font-size: 0.85rem;
  color: var(--accent-gold);
  font-family: var(--font-sans);
  font-weight: 600;
  margin-top: -6px;
  letter-spacing: 0.05em;
  text-transform: uppercase;
}

.nav-links {
  display: flex;
  gap: 2.5rem;
  align-items: center;
}

.nav-links a {
  font-weight: 600;
  color: var(--text-muted);
  position: relative;
  font-size: 0.95rem;
}

.nav-links a::after {
  content: '';
  position: absolute;
  width: 5px;
  height: 5px;
  border-radius: 50%;
  bottom: -10px;
  left: 50%;
  transform: translateX(-50%) scale(0);
  background-color: var(--accent-gold);
  transition: transform var(--transition-fast);
}

.nav-links a:hover, .nav-links a.active {
  color: var(--primary-blue);
}

.nav-links a:hover::after, .nav-links a.active::after {
  transform: translateX(-50%) scale(1);
}

.mobile-menu-btn {
  display: none;
  font-size: 1.75rem;
  color: var(--primary-blue);
  background: none;
  border: none;
  cursor: pointer;
}

/* Hero Section (Enhanced) */
.hero {
  position: relative;
  background: url('../assets/hero_bg.png') center/cover no-repeat;
  color: var(--bg-white);
  padding: 10rem 0 12rem;
  overflow: hidden;
}

.hero::after {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0; bottom: 0;
  background: linear-gradient(to right, rgba(10, 37, 64, 0.95) 0%, rgba(10, 37, 64, 0.6) 100%);
  z-index: 0;
}

.hero .container {
  position: relative;
  z-index: 1;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  max-width: 800px;
  margin: 0;
  margin-left: 10%;
}

.hero-content {
  animation: slideUp 1s ease-out forwards;
}

@keyframes slideUp {
  from { opacity: 0; transform: translateY(40px); }
  to { opacity: 1; transform: translateY(0); }
}

.hero-content h1 {
  font-size: 4rem;
  color: var(--bg-white);
  margin-bottom: 1.5rem;
  line-height: 1.1;
  text-shadow: 0 4px 20px rgba(0,0,0,0.3);
}

.hero-content h1 span {
  color: var(--accent-gold);
  background: linear-gradient(to right, var(--accent-gold), #FFF4D2);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
}

.hero-content p {
  font-size: 1.25rem;
  margin-bottom: 3rem;
  color: rgba(255,255,255,0.85);
  max-width: 600px;
}

/* Glassmorphism Trust Stats inside Hero */
.hero-stats {
  display: flex;
  gap: 2rem;
  margin-top: 4rem;
}

.stat-item {
  background: rgba(255, 255, 255, 0.1);
  backdrop-filter: blur(10px);
  -webkit-backdrop-filter: blur(10px);
  border: 1px solid rgba(255,255,255,0.2);
  padding: 1rem 2rem;
  border-radius: var(--radius-md);
  text-align: center;
}

.stat-item h4 {
  color: var(--accent-gold);
  font-size: 1.5rem;
  margin-bottom: 0.2rem;
}
.stat-item p {
  font-size: 0.85rem;
  margin: 0;
  color: white;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

/* Highlights / Features */
.highlights {
  margin-top: -4rem;
  position: relative;
  z-index: 10;
}

.highlights-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 2rem;
}

.highlight-card {
  background: var(--bg-white);
  padding: 2.5rem 2rem;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  text-align: center;
  transition: all var(--transition-normal);
  border: 1px solid rgba(0,0,0,0.03);
  position: relative;
  overflow: hidden;
}

.highlight-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; width: 100%; height: 4px;
  background: linear-gradient(to right, var(--primary-blue), var(--accent-gold));
  transform: scaleX(0);
  transition: transform var(--transition-normal);
}

.highlight-card:hover {
  transform: translateY(-10px);
  box-shadow: 0 30px 40px -10px rgba(0,0,0,0.08);
}

.highlight-card:hover::before {
  transform: scaleX(1);
}

.highlight-icon-wrapper {
  width: 80px; height: 80px;
  margin: 0 auto 1.5rem;
  background: var(--bg-blue-tint);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 2rem;
  color: var(--primary-blue);
  transition: all var(--transition-normal);
}

.highlight-card:hover .highlight-icon-wrapper {
  background: var(--primary-blue);
  color: var(--accent-gold);
  transform: rotateY(180deg);
}

.highlight-card h3 {
  font-size: 1.35rem;
  margin-bottom: 0.75rem;
}

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

.section-title h2 {
  font-size: 3rem;
  margin-bottom: 1rem;
  position: relative;
  display: inline-block;
}

.section-title h2::after {
  content: '';
  position: absolute;
  width: 50px;
  height: 4px;
  background: var(--accent-gold);
  bottom: -10px;
  left: 50%;
  transform: translateX(-50%);
  border-radius: 2px;
}

.section-title p {
  color: var(--text-muted);
  max-width: 650px;
  margin: 1.5rem auto 0;
  font-size: 1.1rem;
}

/* Products Section (Elegant Image Cards) */
.products-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: 2.5rem;
}

.product-card {
  background-color: var(--bg-white);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-md);
  transition: all var(--transition-normal);
  border: 1px solid rgba(0,0,0,0.05);
  display: flex;
  flex-direction: column;
}

.product-card:hover {
  box-shadow: var(--shadow-lg);
  transform: translateY(-8px);
}

.product-image {
  height: 220px;
  position: relative;
  overflow: hidden;
}

.product-image img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform var(--transition-slow);
}

.product-card:hover .product-image img {
  transform: scale(1.08);
}

.product-icon-badge {
  position: absolute;
  bottom: -20px;
  right: 20px;
  width: 60px;
  height: 60px;
  background: var(--accent-gold);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  color: var(--primary-blue-dark);
  box-shadow: var(--shadow-md);
  border: 4px solid var(--bg-white);
}

.product-content {
  padding: 2.5rem 2rem 2rem;
  flex-grow: 1;
  display: flex;
  flex-direction: column;
}

.product-content h3 {
  font-size: 1.5rem;
  margin-bottom: 1rem;
}

.product-content p {
  color: var(--text-muted);
  margin-bottom: 2rem;
  flex-grow: 1;
}

.product-link {
  display: inline-flex;
  align-items: center;
  color: var(--primary-blue);
  font-weight: 700;
  font-size: 0.95rem;
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

.product-link i {
  margin-left: 8px;
  transition: transform var(--transition-fast);
}

.product-link:hover {
  color: var(--accent-gold);
}

.product-link:hover i {
  transform: translateX(5px);
}

/* Glassmorphism Calculator Section */
.calculator-section {
  position: relative;
  background: url('../assets/hero_bg.png') center/cover fixed;
  padding: 8rem 0;
}

.calculator-section::after {
  content: '';
  position: absolute;
  top: 0; left: 0; width: 100%; height: 100%;
  background: rgba(10, 37, 64, 0.85);
  backdrop-filter: blur(5px);
  z-index: 0;
}

.calculator-section .container {
  position: relative;
  z-index: 1;
}

.calculator-section .section-title h2 { color: var(--bg-white); }
.calculator-section .section-title p { color: rgba(255,255,255,0.7); }

.calc-wrapper {
  background: rgba(255, 255, 255, 0.1);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  border: 1px solid rgba(255,255,255,0.2);
  border-radius: var(--radius-xl);
  padding: 3rem;
  color: var(--bg-white);
  box-shadow: 0 30px 60px rgba(0,0,0,0.3);
  max-width: 800px;
  margin: 0 auto;
}

.calc-tabs {
  display: flex;
  margin-bottom: 3rem;
  border-bottom: 1px solid rgba(255,255,255,0.2);
  gap: 1rem;
}

.calc-tab {
  padding: 1rem 2rem;
  background: none;
  border: none;
  font-size: 1.1rem;
  font-weight: 600;
  color: rgba(255,255,255,0.5);
  cursor: pointer;
  border-bottom: 3px solid transparent;
  transition: all var(--transition-fast);
}

.calc-tab:hover {
  color: white;
}

.calc-tab.active {
  color: var(--accent-gold);
  border-bottom-color: var(--accent-gold);
}

.form-group {
  margin-bottom: 1.5rem;
}

.form-group label {
  display: block;
  margin-bottom: 0.5rem;
  font-weight: 500;
  color: rgba(255,255,255,0.9);
}

.form-control {
  width: 100%;
  padding: 1rem 1.25rem;
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.2);
  border-radius: var(--radius-md);
  font-family: var(--font-sans);
  font-size: 1.1rem;
  color: white;
  transition: all var(--transition-fast);
}

.form-control::placeholder {
  color: rgba(255,255,255,0.3);
}

.form-control:focus {
  outline: none;
  background: rgba(255,255,255,0.1);
  border-color: var(--accent-gold);
  box-shadow: 0 0 0 4px rgba(226, 183, 80, 0.2);
}

.calc-result {
  margin-top: 2.5rem;
  padding: 2rem;
  background: linear-gradient(135deg, rgba(226, 183, 80, 0.2), rgba(226, 183, 80, 0.05));
  border: 1px solid rgba(226, 183, 80, 0.3);
  border-radius: var(--radius-lg);
  text-align: center;
  animation: fade-in 0.5s ease-out;
}

.calc-result h4 {
  color: var(--bg-white);
  margin-bottom: 0.5rem;
  font-weight: 500;
}

.calc-result .amount {
  font-size: 2.5rem;
  font-weight: 800;
  color: var(--accent-gold);
  text-shadow: 0 2px 10px rgba(0,0,0,0.2);
}

/* Footer */
footer {
  background-color: var(--primary-blue-dark);
  color: var(--text-light);
  padding: 5rem 0 0 0;
  border-top: 5px solid var(--accent-gold);
}

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 4rem;
  margin-bottom: 4rem;
}

.footer-col h4 {
  color: var(--bg-white);
  margin-bottom: 1.5rem;
  font-size: 1.25rem;
  font-family: var(--font-heading);
}

.footer-col p {
  color: rgba(255,255,255,0.6);
  margin-bottom: 1rem;
}

.footer-links li {
  margin-bottom: 0.85rem;
}

.footer-links a {
  color: rgba(255,255,255,0.6);
  transition: all var(--transition-fast);
  display: inline-block;
}

.footer-links a:hover {
  color: var(--accent-gold);
  transform: translateX(5px);
}

.footer-bottom {
  text-align: center;
  padding: 2rem 0;
  border-top: 1px solid rgba(255,255,255,0.05);
  font-size: 0.9rem;
  color: rgba(255,255,255,0.4);
}

/* --- Rates & Document Styles --- */
.rates-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 2rem;
  margin-top: 2rem;
}

.rate-card {
  background: var(--bg-white);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-md);
  overflow: hidden;
  border: 1px solid rgba(0,0,0,0.05);
  transition: all var(--transition-normal);
}

.rate-card:hover {
  transform: translateY(-8px);
  box-shadow: var(--shadow-lg);
  border-color: var(--accent-gold);
}

.rate-header {
  background: var(--primary-blue-dark);
  color: var(--bg-white);
  padding: 1.5rem;
  text-align: center;
  border-bottom: 4px solid var(--accent-gold);
}

.rate-header h4 {
  color: var(--accent-gold);
  margin-bottom: 0.5rem;
  font-size: 1.25rem;
}

.rate-table {
  width: 100%;
  border-collapse: collapse;
}

.rate-table th, .rate-table td {
  padding: 1rem;
  text-align: right;
  border-bottom: 1px solid rgba(0,0,0,0.05);
  font-size: 0.95rem;
}

.rate-table th:first-child, .rate-table td:first-child {
  text-align: left;
}

.rate-table th {
  background: var(--bg-light);
  color: var(--text-muted);
  font-weight: 600;
  text-transform: uppercase;
  font-size: 0.85rem;
}

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

.rate-table td.highlight {
  color: var(--primary-blue);
  font-weight: 700;
}

/* Document List */
.doc-list {
  background: var(--bg-blue-tint);
  padding: 2rem;
  border-radius: var(--radius-lg);
  border-left: 4px solid var(--primary-blue);
}

.doc-list ul {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 1rem;
}

.doc-list li {
  display: flex;
  align-items: center;
  font-weight: 500;
  color: var(--text-dark);
}

.doc-list li i {
  color: var(--accent-gold);
  margin-right: 10px;
  font-size: 1.2rem;
}

/* Responsive */
@media (max-width: 992px) {
  .hero .container { margin-left: 0; text-align: center; align-items: center; }
  .hero-stats { justify-content: center; flex-wrap: wrap; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 2rem; }
  .calc-wrapper { padding: 2rem; }
}

@media (max-width: 768px) {
  .nav-links {
    display: none;
    position: absolute;
    top: 100%; left: 0; width: 100%;
    background: var(--bg-white);
    flex-direction: column;
    padding: 2rem 0;
    box-shadow: var(--shadow-lg);
  }
  .nav-links.active { display: flex; }
  .mobile-menu-btn { display: block; }
  .highlights-grid { grid-template-columns: 1fr; }
  .hero { padding: 8rem 0 10rem; }
  .hero-content h1 { font-size: 2.75rem; }
  .footer-grid { grid-template-columns: 1fr; }
  .top-bar { display: none; }
}