/* ===================================
   FINANCIERA COVIN - DESIGN SYSTEM
   =================================== */

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

/* ===================================
   CSS CUSTOM PROPERTIES
   =================================== */

:root {
    /* Brand Colors */
    --color-navy-primary: #0D2847;
    --color-navy-dark: #081a2e;
    --color-navy-light: #1a3a5f;
    --color-gold-primary: #C5A052;
    --color-gold-light: #d4b36f;
    --color-gold-dark: #a88840;

    /* Neutral Colors */
    --color-white: #FFFFFF;
    --color-gray-50: #F9FAFB;
    --color-gray-100: #F3F4F6;
    --color-gray-200: #E5E7EB;
    --color-gray-300: #D1D5DB;
    --color-gray-400: #9CA3AF;
    --color-gray-500: #6B7280;
    --color-gray-600: #4B5563;
    --color-gray-700: #374151;
    --color-gray-800: #1F2937;
    --color-gray-900: #111827;

    /* Gradients */
    --gradient-primary: linear-gradient(135deg, var(--color-navy-primary) 0%, var(--color-navy-light) 100%);
    --gradient-gold: linear-gradient(135deg, var(--color-gold-dark) 0%, var(--color-gold-light) 100%);
    --gradient-hero: linear-gradient(135deg, var(--color-navy-dark) 0%, var(--color-navy-primary) 50%, var(--color-navy-light) 100%);
    --gradient-accent: linear-gradient(90deg, var(--color-gold-primary) 0%, var(--color-gold-light) 100%);

    /* Typography */
    --font-primary: 'Poppins', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
    --font-secondary: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;

    /* Font Sizes */
    --text-xs: 0.75rem;
    /* 12px */
    --text-sm: 0.875rem;
    /* 14px */
    --text-base: 1rem;
    /* 16px */
    --text-lg: 1.125rem;
    /* 18px */
    --text-xl: 1.25rem;
    /* 20px */
    --text-2xl: 1.5rem;
    /* 24px */
    --text-3xl: 1.875rem;
    /* 30px */
    --text-4xl: 2.25rem;
    /* 36px */
    --text-5xl: 3rem;
    /* 48px */
    --text-6xl: 3.75rem;
    /* 60px */

    /* Spacing */
    --space-1: 0.25rem;
    /* 4px */
    --space-2: 0.5rem;
    /* 8px */
    --space-3: 0.75rem;
    /* 12px */
    --space-4: 1rem;
    /* 16px */
    --space-5: 1.25rem;
    /* 20px */
    --space-6: 1.5rem;
    /* 24px */
    --space-8: 2rem;
    /* 32px */
    --space-10: 2.5rem;
    /* 40px */
    --space-12: 3rem;
    /* 48px */
    --space-16: 4rem;
    /* 64px */
    --space-20: 5rem;
    /* 80px */
    --space-24: 6rem;
    /* 96px */

    /* Border Radius */
    --radius-sm: 0.375rem;
    /* 6px */
    --radius-md: 0.5rem;
    /* 8px */
    --radius-lg: 0.75rem;
    /* 12px */
    --radius-xl: 1rem;
    /* 16px */
    --radius-2xl: 1.5rem;
    /* 24px */
    --radius-full: 9999px;

    /* Shadows */
    --shadow-sm: 0 1px 2px 0 rgba(0, 0, 0, 0.05);
    --shadow-md: 0 4px 6px -1px rgba(0, 0, 0, 0.1), 0 2px 4px -1px rgba(0, 0, 0, 0.06);
    --shadow-lg: 0 10px 15px -3px rgba(0, 0, 0, 0.1), 0 4px 6px -2px rgba(0, 0, 0, 0.05);
    --shadow-xl: 0 20px 25px -5px rgba(0, 0, 0, 0.1), 0 10px 10px -5px rgba(0, 0, 0, 0.04);
    --shadow-2xl: 0 25px 50px -12px rgba(0, 0, 0, 0.25);
    --shadow-gold: 0 10px 30px -5px rgba(197, 160, 82, 0.3);

    /* Transitions */
    --transition-fast: 150ms cubic-bezier(0.4, 0, 0.2, 1);
    --transition-base: 300ms cubic-bezier(0.4, 0, 0.2, 1);
    --transition-slow: 500ms cubic-bezier(0.4, 0, 0.2, 1);

    /* Z-index */
    --z-dropdown: 1000;
    --z-sticky: 1020;
    --z-fixed: 1030;
    --z-modal-backdrop: 1040;
    --z-modal: 1050;
    --z-popover: 1060;
    --z-tooltip: 1070;
}

/* ===================================
   RESET & BASE STYLES
   =================================== */

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

html {
    scroll-behavior: smooth;
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
}

body {
    font-family: var(--font-secondary);
    font-size: var(--text-base);
    line-height: 1.6;
    color: var(--color-gray-800);
    background-color: var(--color-white);
    overflow-x: hidden;
}

h1,
h2,
h3,
h4,
h5,
h6 {
    font-family: var(--font-primary);
    font-weight: 700;
    line-height: 1.2;
    color: var(--color-navy-primary);
    margin-bottom: var(--space-4);
}

h1 {
    font-size: var(--text-5xl);
}

h2 {
    font-size: var(--text-4xl);
}

h3 {
    font-size: var(--text-3xl);
}

h4 {
    font-size: var(--text-2xl);
}

h5 {
    font-size: var(--text-xl);
}

h6 {
    font-size: var(--text-lg);
}

p {
    margin-bottom: var(--space-4);
}

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

a:hover {
    color: var(--color-gold-dark);
}

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

/* ===================================
   UTILITY CLASSES
   =================================== */

.container {
    width: 100%;
    max-width: 1280px;
    margin: 0 auto;
    padding: 0 var(--space-6);
}

.container-narrow {
    max-width: 960px;
}

.section {
    padding: var(--space-20) 0;
}

.section-sm {
    padding: var(--space-12) 0;
}

.text-center {
    text-align: center;
}

.text-gold {
    color: var(--color-gold-primary);
}

.text-navy {
    color: var(--color-navy-primary);
}

.bg-navy {
    background-color: var(--color-navy-primary);
}

.bg-gold {
    background-color: var(--color-gold-primary);
}

.bg-gray-light {
    background-color: var(--color-gray-50);
}

/* ===================================
   NAVIGATION
   =================================== */

.navbar {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    background: rgba(13, 40, 71, 0.95);
    backdrop-filter: blur(10px);
    box-shadow: var(--shadow-md);
    z-index: var(--z-fixed);
    transition: all var(--transition-base);
}

.navbar.scrolled {
    background: rgba(13, 40, 71, 0.98);
    box-shadow: var(--shadow-lg);
}

.navbar .container {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding-top: var(--space-4);
    padding-bottom: var(--space-4);
}

.navbar-brand {
    display: flex;
    align-items: center;
    gap: var(--space-3);
    font-family: var(--font-primary);
    font-size: var(--text-2xl);
    font-weight: 700;
    color: var(--color-white);
    text-decoration: none;
}

.navbar-brand span {
    color: var(--color-gold-primary);
}

.navbar-logo {
    height: 200px;
    width: auto;
    transition: all var(--transition-base);
    filter: drop-shadow(0 4px 12px rgba(197, 160, 82, 0.4));
    padding: var(--space-2);
    background: rgba(255, 255, 255, 0.1);
    border-radius: var(--radius-md);
}

.navbar-logo:hover {
    transform: scale(1.08);
    filter: drop-shadow(0 6px 16px rgba(197, 160, 82, 0.6));
    background: rgba(255, 255, 255, 0.15);
}

.navbar-menu {
    display: flex;
    list-style: none;
    gap: var(--space-8);
    align-items: center;
}

.navbar-menu a {
    color: var(--color-white);
    font-weight: 500;
    font-size: var(--text-sm);
    text-transform: uppercase;
    letter-spacing: 0.5px;
    padding: var(--space-2) var(--space-4);
    border-radius: var(--radius-md);
    transition: all var(--transition-fast);
}

.navbar-menu a:hover {
    background: rgba(197, 160, 82, 0.1);
    color: var(--color-gold-primary);
}

.navbar-toggle {
    display: none;
    background: none;
    border: none;
    color: var(--color-white);
    font-size: var(--text-2xl);
    cursor: pointer;
    padding: var(--space-2);
}

/* ===================================
   BUTTONS
   =================================== */

.btn {
    display: inline-block;
    padding: var(--space-4) var(--space-8);
    font-family: var(--font-primary);
    font-size: var(--text-base);
    font-weight: 600;
    text-align: center;
    text-decoration: none;
    border: 2px solid transparent;
    border-radius: var(--radius-lg);
    cursor: pointer;
    transition: all var(--transition-base);
    position: relative;
    overflow: hidden;
}

.btn::before {
    content: '';
    position: absolute;
    top: 50%;
    left: 50%;
    width: 0;
    height: 0;
    border-radius: 50%;
    background: rgba(255, 255, 255, 0.2);
    transform: translate(-50%, -50%);
    transition: width var(--transition-slow), height var(--transition-slow);
}

.btn:hover::before {
    width: 300px;
    height: 300px;
}

.btn-primary {
    background: var(--gradient-gold);
    color: var(--color-white);
    box-shadow: var(--shadow-gold);
}

.btn-primary:hover {
    transform: translateY(-2px);
    box-shadow: 0 15px 35px -5px rgba(197, 160, 82, 0.4);
}

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

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

.btn-lg {
    padding: var(--space-5) var(--space-10);
    font-size: var(--text-lg);
}

.btn-sm {
    padding: var(--space-3) var(--space-6);
    font-size: var(--text-sm);
}

/* ===================================
   HERO SECTION
   =================================== */

.hero {
    background: var(--gradient-hero);
    color: var(--color-white);
    padding: calc(var(--space-24) + 60px) 0 var(--space-24);
    position: relative;
    overflow: hidden;
}

.hero::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: url('data:image/svg+xml,<svg width="100" height="100" xmlns="http://www.w3.org/2000/svg"><defs><pattern id="grid" width="100" height="100" patternUnits="userSpaceOnUse"><path d="M 100 0 L 0 0 0 100" fill="none" stroke="rgba(197,160,82,0.1)" stroke-width="1"/></pattern></defs><rect width="100%" height="100%" fill="url(%23grid)"/></svg>');
    opacity: 0.3;
}

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

.hero-content {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: var(--space-12);
    align-items: center;
}

.hero-text h1 {
    color: var(--color-white);
    font-size: var(--text-6xl);
    margin-bottom: var(--space-6);
    line-height: 1.1;
}

.hero-text h1 .highlight {
    color: var(--color-gold-primary);
    position: relative;
    display: inline-block;
}

.hero-text p {
    font-size: var(--text-xl);
    margin-bottom: var(--space-8);
    color: rgba(255, 255, 255, 0.9);
    line-height: 1.6;
}

.hero-buttons {
    display: flex;
    gap: var(--space-4);
    flex-wrap: wrap;
}

.hero-buttons .btn i {
    margin-right: var(--space-2);
}

/* Hero Video Background */
.hero-video-container {
    position: relative;
    width: 100%;
    height: 600px;
    border-radius: var(--radius-2xl);
    overflow: hidden;
    box-shadow: var(--shadow-2xl);
}

.hero-video {
    position: absolute;
    top: 50%;
    left: 50%;
    min-width: 100%;
    min-height: 100%;
    width: auto;
    height: auto;
    transform: translate(-50%, -50%);
    object-fit: cover;
    border-radius: var(--radius-2xl);
}

.hero-video-overlay {
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: linear-gradient(135deg,
            rgba(13, 40, 71, 0.7) 0%,
            rgba(13, 40, 71, 0.5) 50%,
            rgba(197, 160, 82, 0.3) 100%);
    border-radius: var(--radius-2xl);
    pointer-events: none;
}

/* Legacy image styles (fallback) */
.hero-image {
    position: relative;
    border-radius: var(--radius-2xl);
    overflow: hidden;
}

.hero-image-wrapper {
    position: relative;
    border-radius: var(--radius-2xl);
    overflow: hidden;
    box-shadow: var(--shadow-2xl);
    transition: all var(--transition-slow);
}

.hero-image-wrapper:hover {
    transform: translateY(-10px);
    box-shadow: 0 30px 60px -15px rgba(0, 0, 0, 0.3);
}

.hero-img {
    width: 100%;
    height: auto;
    border-radius: var(--radius-2xl);
    display: block;
    transition: transform var(--transition-slow);
}

.hero-image-wrapper:hover .hero-img {
    transform: scale(1.05);
}

.hero-image-overlay {
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: linear-gradient(135deg, rgba(197, 160, 82, 0.1) 0%, rgba(13, 40, 71, 0.1) 100%);
    pointer-events: none;
    border-radius: var(--radius-2xl);
}

/* Hero Badge */
.hero-badge {
    display: inline-flex;
    align-items: center;
    gap: var(--space-2);
    background: rgba(197, 160, 82, 0.15);
    border: 1px solid rgba(197, 160, 82, 0.3);
    padding: var(--space-2) var(--space-4);
    border-radius: var(--radius-full);
    font-size: var(--text-sm);
    font-weight: 600;
    color: var(--color-gold-primary);
    margin-bottom: var(--space-6);
    animation: fadeInDown 0.8s ease-out;
}

.hero-badge i {
    font-size: var(--text-base);
}

/* Hero Description */
.hero-description {
    font-size: var(--text-xl);
    margin-bottom: var(--space-8);
    color: rgba(255, 255, 255, 0.9);
    line-height: 1.7;
}

/* Hero Stats */
.hero-stats {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: var(--space-6);
    margin-bottom: var(--space-8);
    padding: var(--space-6) 0;
}

.stat-item {
    text-align: center;
    padding: var(--space-4);
    background: rgba(255, 255, 255, 0.05);
    border-radius: var(--radius-lg);
    border: 1px solid rgba(197, 160, 82, 0.2);
    transition: all var(--transition-base);
}

.stat-item:hover {
    background: rgba(255, 255, 255, 0.1);
    border-color: var(--color-gold-primary);
    transform: translateY(-5px);
}

.stat-number {
    font-size: var(--text-3xl);
    font-weight: 800;
    color: var(--color-gold-primary);
    font-family: var(--font-primary);
    margin-bottom: var(--space-1);
}

.stat-label {
    font-size: var(--text-sm);
    color: rgba(255, 255, 255, 0.8);
    font-weight: 500;
}

/* Hero Trust */
.hero-trust {
    display: flex;
    align-items: center;
    gap: var(--space-3);
    margin-top: var(--space-6);
    padding: var(--space-4);
    background: rgba(255, 255, 255, 0.05);
    border-radius: var(--radius-lg);
    border-left: 3px solid var(--color-gold-primary);
}

.hero-trust i {
    color: var(--color-gold-primary);
    font-size: var(--text-xl);
}

.hero-trust span {
    font-size: var(--text-sm);
    color: rgba(255, 255, 255, 0.9);
    font-weight: 500;
}

/* Animations */
@keyframes fadeInDown {
    from {
        opacity: 0;
        transform: translateY(-20px);
    }

    to {
        opacity: 1;
        transform: translateY(0);
    }
}

@keyframes fadeInUp {
    from {
        opacity: 0;
        transform: translateY(20px);
    }

    to {
        opacity: 1;
        transform: translateY(0);
    }
}

.fade-in-up {
    animation: fadeInUp 0.8s ease-out;
}

/* ===================================
   CALCULATOR CARD
   =================================== */

.calculator-card {
    background: rgba(255, 255, 255, 0.95);
    backdrop-filter: blur(20px);
    border-radius: var(--radius-2xl);
    padding: var(--space-8);
    box-shadow: var(--shadow-2xl);
    border: 1px solid rgba(255, 255, 255, 0.2);
}

.calculator-card h3 {
    color: var(--color-navy-primary);
    margin-bottom: var(--space-6);
    text-align: center;
}

.form-group {
    margin-bottom: var(--space-6);
}

.form-group label {
    display: block;
    font-weight: 600;
    color: var(--color-navy-primary);
    margin-bottom: var(--space-2);
    font-size: var(--text-sm);
}

.form-group input,
.form-group select,
.form-group textarea {
    width: 100%;
    padding: var(--space-4);
    border: 2px solid var(--color-gray-200);
    border-radius: var(--radius-lg);
    font-family: var(--font-secondary);
    font-size: var(--text-base);
    transition: all var(--transition-fast);
    background: var(--color-white);
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
    outline: none;
    border-color: var(--color-gold-primary);
    box-shadow: 0 0 0 3px rgba(197, 160, 82, 0.1);
}

.calculator-result {
    background: var(--gradient-primary);
    color: var(--color-white);
    padding: var(--space-6);
    border-radius: var(--radius-xl);
    text-align: center;
    margin-top: var(--space-6);
}

.calculator-result .amount {
    font-size: var(--text-4xl);
    font-weight: 700;
    color: var(--color-gold-primary);
    margin-bottom: var(--space-2);
}

.calculator-result .label {
    font-size: var(--text-sm);
    opacity: 0.9;
}

/* ===================================
   BENEFITS SECTION
   =================================== */

.benefits {
    background: var(--color-gray-50);
}

.section-header {
    text-align: center;
    margin-bottom: var(--space-16);
}

.section-header h2 {
    margin-bottom: var(--space-4);
}

.section-header p {
    font-size: var(--text-lg);
    color: var(--color-gray-600);
    max-width: 700px;
    margin: 0 auto;
}

.benefits-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: var(--space-8);
}

.benefit-card {
    background: var(--color-white);
    padding: var(--space-8);
    border-radius: var(--radius-xl);
    box-shadow: var(--shadow-md);
    transition: all var(--transition-base);
    border: 2px solid transparent;
}

.benefit-card:hover {
    transform: translateY(-8px);
    box-shadow: var(--shadow-xl);
    border-color: var(--color-gold-primary);
}

.benefit-icon {
    width: 64px;
    height: 64px;
    background: var(--gradient-gold);
    border-radius: var(--radius-xl);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: var(--text-3xl);
    margin-bottom: var(--space-6);
    box-shadow: var(--shadow-gold);
}

.benefit-card h3 {
    font-size: var(--text-xl);
    margin-bottom: var(--space-3);
}

.benefit-card p {
    color: var(--color-gray-600);
    margin-bottom: 0;
    line-height: 1.7;
}

/* ===================================
   SERVICES SECTION
   =================================== */

.services-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
    gap: var(--space-8);
}

.service-card {
    background: var(--color-white);
    border-radius: var(--radius-2xl);
    overflow: hidden;
    box-shadow: var(--shadow-lg);
    transition: all var(--transition-base);
    border: 2px solid transparent;
}

.service-card:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-2xl);
    border-color: var(--color-gold-primary);
}

.service-image {
    position: relative;
    overflow: hidden;
    height: 250px;
}

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

.service-card:hover .service-img {
    transform: scale(1.1);
}

.service-body h3 {
    color: var(--color-navy-primary);
    margin-bottom: var(--space-4);
    font-size: var(--text-2xl);
}

.service-body {
    padding: var(--space-8);
}

.service-features {
    list-style: none;
    margin-bottom: var(--space-6);
}

.service-features li {
    padding: var(--space-3) 0;
    border-bottom: 1px solid var(--color-gray-200);
    display: flex;
    align-items: center;
    gap: var(--space-3);
}

.service-features li:last-child {
    border-bottom: none;
}

.service-features li::before {
    content: '✓';
    color: var(--color-gold-primary);
    font-weight: 700;
    font-size: var(--text-lg);
}

/* ===================================
   PROCESS SECTION
   =================================== */

.process {
    background: var(--gradient-hero);
    color: var(--color-white);
}

.process .section-header h2,
.process .section-header p {
    color: var(--color-white);
}

.process-steps {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: var(--space-8);
    position: relative;
}

.process-step {
    text-align: center;
    position: relative;
}

.step-number {
    width: 80px;
    height: 80px;
    background: var(--gradient-gold);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: var(--text-3xl);
    font-weight: 700;
    margin: 0 auto var(--space-6);
    box-shadow: var(--shadow-gold);
    position: relative;
    z-index: 2;
}

.process-step h3 {
    color: var(--color-white);
    margin-bottom: var(--space-3);
}

.process-step p {
    color: rgba(255, 255, 255, 0.9);
    margin-bottom: 0;
}

/* ===================================
   CONTACT SECTION
   =================================== */

.contact-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: var(--space-12);
}

.contact-form {
    background: var(--color-white);
    padding: var(--space-8);
    border-radius: var(--radius-2xl);
    box-shadow: var(--shadow-lg);
}

.contact-info {
    display: flex;
    flex-direction: column;
    gap: var(--space-6);
}

.info-item {
    display: flex;
    align-items: flex-start;
    gap: var(--space-4);
    padding: var(--space-6);
    background: var(--color-gray-50);
    border-radius: var(--radius-xl);
    border-left: 4px solid var(--color-gold-primary);
}

.info-item .icon {
    font-size: var(--text-2xl);
    color: var(--color-gold-primary);
    flex-shrink: 0;
}

.info-item h4 {
    font-size: var(--text-lg);
    margin-bottom: var(--space-2);
}

.info-item p {
    color: var(--color-gray-600);
    margin-bottom: 0;
}

.info-item a {
    color: var(--color-navy-primary);
    text-decoration: none;
    transition: color var(--transition-base);
    cursor: pointer;
    position: relative;
    z-index: 10;
}

.info-item a:hover {
    color: var(--color-gold-primary);
    text-decoration: underline;
}

.map-container {
    margin-top: var(--space-8);
    border-radius: var(--radius-2xl);
    overflow: hidden;
    box-shadow: var(--shadow-lg);
    height: 400px;
}

.map-container iframe {
    width: 100%;
    height: 100%;
    border: none;
}

/* ===================================
   FOOTER
   =================================== */

.footer {
    background: var(--color-navy-dark);
    color: var(--color-white);
    padding: var(--space-16) 0 var(--space-8);
}

.footer-content {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: var(--space-12);
    margin-bottom: var(--space-12);
}

.footer-section h4 {
    color: var(--color-gold-primary);
    margin-bottom: var(--space-6);
}

.footer-section p,
.footer-section a {
    color: rgba(255, 255, 255, 0.8);
    line-height: 2;
}

.footer-section a:hover {
    color: var(--color-gold-primary);
}

.social-links {
    display: flex;
    gap: var(--space-4);
    margin-top: var(--space-4);
}

.social-link {
    width: 48px;
    height: 48px;
    background: rgba(197, 160, 82, 0.1);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: var(--text-xl);
    transition: all var(--transition-base);
    border: 2px solid transparent;
}

.social-link:hover {
    background: var(--color-gold-primary);
    border-color: var(--color-gold-light);
    transform: translateY(-3px);
}

.footer-bottom {
    text-align: center;
    padding-top: var(--space-8);
    border-top: 1px solid rgba(255, 255, 255, 0.1);
    color: rgba(255, 255, 255, 0.6);
}

/* ===================================
   ANIMATIONS
   =================================== */

@keyframes fadeInUp {
    from {
        opacity: 0;
        transform: translateY(30px);
    }

    to {
        opacity: 1;
        transform: translateY(0);
    }
}

@keyframes fadeIn {
    from {
        opacity: 0;
    }

    to {
        opacity: 1;
    }
}

.fade-in-up {
    animation: fadeInUp 0.6s ease-out forwards;
}

.fade-in {
    animation: fadeIn 0.6s ease-out forwards;
}

/* ===================================
   RESPONSIVE DESIGN
   =================================== */

@media (max-width: 1024px) {
    :root {
        --text-6xl: 2.5rem;
        --text-5xl: 2rem;
        --text-4xl: 1.75rem;
    }

    .hero-content {
        grid-template-columns: 1fr;
        gap: var(--space-8);
    }

    .contact-grid {
        grid-template-columns: 1fr;
    }
}

@media (max-width: 768px) {
    :root {
        --text-6xl: 2rem;
        --text-5xl: 1.75rem;
        --text-4xl: 1.5rem;
        --space-20: 3rem;
    }

    .navbar-menu {
        position: fixed;
        top: 60px;
        left: 0;
        right: 0;
        background: var(--color-navy-primary);
        flex-direction: column;
        padding: var(--space-6);
        gap: var(--space-4);
        transform: translateX(-100%);
        transition: transform var(--transition-base);
        box-shadow: var(--shadow-xl);
    }

    .navbar-menu.active {
        transform: translateX(0);
    }

    .navbar-toggle {
        display: block;
    }

    .navbar-logo {
        height: 120px;
    }

    .hero {
        padding: calc(var(--space-16) + 60px) 0 var(--space-16);
    }

    .hero-video-container {
        height: 400px;
    }

    .hero-stats {
        grid-template-columns: 1fr;
        gap: var(--space-4);
        padding: var(--space-4) 0;
    }

    .hero-buttons {
        flex-direction: column;
    }

    .btn {
        width: 100%;
    }

    .benefits-grid,
    .services-grid {
        grid-template-columns: 1fr;
    }

    .process-steps {
        grid-template-columns: 1fr;
    }
}

@media (max-width: 480px) {
    .container {
        padding: 0 var(--space-4);
    }

    .calculator-card {
        padding: var(--space-6);
    }

    .section {
        padding: var(--space-12) 0;
    }
}

/* ===================================
   DYNAMIC EFFECTS & ANIMATIONS
   =================================== */

/* Keyframe Animations */
@keyframes shimmer {
    0% {
        background-position: -1000px 0;
    }

    100% {
        background-position: 1000px 0;
    }
}

@keyframes pulse-glow {

    0%,
    100% {
        box-shadow: 0 0 20px rgba(197, 160, 82, 0.3);
    }

    50% {
        box-shadow: 0 0 40px rgba(197, 160, 82, 0.6);
    }
}

@keyframes float-smooth {

    0%,
    100% {
        transform: translateY(0px);
    }

    50% {
        transform: translateY(-10px);
    }
}

@keyframes slide-in-right {
    from {
        transform: translateX(100px);
        opacity: 0;
    }

    to {
        transform: translateX(0);
        opacity: 1;
    }
}

@keyframes slide-in-left {
    from {
        transform: translateX(-100px);
        opacity: 0;
    }

    to {
        transform: translateX(0);
        opacity: 1;
    }
}

@keyframes scale-in {
    from {
        transform: scale(0.8);
        opacity: 0;
    }

    to {
        transform: scale(1);
        opacity: 1;
    }
}

@keyframes gradient-shift {
    0% {
        background-position: 0% 50%;
    }

    50% {
        background-position: 100% 50%;
    }

    100% {
        background-position: 0% 50%;
    }
}

@keyframes bounce-subtle {

    0%,
    100% {
        transform: translateY(0);
    }

    50% {
        transform: translateY(-5px);
    }
}

/* Enhanced Button Effects */
.btn {
    position: relative;
    overflow: hidden;
    transition: all var(--transition-base);
}

.btn::before {
    content: '';
    position: absolute;
    top: 50%;
    left: 50%;
    width: 0;
    height: 0;
    border-radius: 50%;
    background: rgba(255, 255, 255, 0.3);
    transform: translate(-50%, -50%);
    transition: width 0.6s, height 0.6s;
}

.btn:hover::before {
    width: 300px;
    height: 300px;
}

.btn:hover {
    transform: translateY(-2px);
    box-shadow: 0 10px 25px rgba(0, 0, 0, 0.2);
}

.btn:active {
    transform: translateY(0);
}

/* Animated Gradient Background */
.hero {
    background: linear-gradient(-45deg, #0D2847, #1a3a5f, #0D2847, #162d4a);
    background-size: 400% 400%;
    animation: gradient-shift 15s ease infinite;
}

/* Enhanced Card Hover Effects */
.service-card,
.benefit-card {
    transition: all var(--transition-base);
    position: relative;
}

.service-card::after,
.benefit-card::after {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    border-radius: var(--radius-xl);
    background: linear-gradient(135deg, rgba(197, 160, 82, 0.1), transparent);
    opacity: 0;
    transition: opacity var(--transition-base);
    pointer-events: none;
}

.service-card:hover,
.benefit-card:hover {
    transform: translateY(-10px) scale(1.02);
    box-shadow: 0 20px 40px rgba(0, 0, 0, 0.15);
}

.service-card:hover::after,
.benefit-card:hover::after {
    opacity: 1;
}

/* Icon Animations */
.benefit-card .icon,
.info-item .icon {
    transition: all var(--transition-base);
}

.benefit-card:hover .icon,
.info-item:hover .icon {
    transform: rotate(360deg) scale(1.1);
}

/* Social Icons Bounce */
.social-links {
    display: flex;
    gap: var(--space-4);
    margin-top: var(--space-6);
    justify-content: center;
}

.social-links a {
    display: flex;
    align-items: center;
    justify-content: center;
    width: 45px;
    height: 45px;
    border-radius: 50%;
    background: rgba(255, 255, 255, 0.1);
    color: var(--color-white);
    font-size: var(--text-xl);
    transition: all var(--transition-base);
    position: relative;
    overflow: hidden;
}

.social-links a::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    border-radius: 50%;
    background: var(--color-gold-primary);
    transform: scale(0);
    transition: transform var(--transition-base);
    z-index: 0;
}

.social-links a i {
    position: relative;
    z-index: 1;
    transition: all var(--transition-base);
}

.social-links a:hover {
    transform: translateY(-5px);
    box-shadow: 0 10px 25px rgba(197, 160, 82, 0.4);
}

.social-links a:hover::before {
    transform: scale(1);
}

.social-links a:hover i {
    color: var(--color-navy-primary);
    transform: scale(1.1) rotate(360deg);
}

/* Individual Social Media Brand Colors */
.social-links a[aria-label="Facebook"]:hover::before {
    background: #1877F2;
}

.social-links a[aria-label="Facebook"]:hover i {
    color: white;
}

.social-links a[aria-label="Instagram"]:hover::before {
    background: linear-gradient(45deg, #f09433 0%, #e6683c 25%, #dc2743 50%, #cc2366 75%, #bc1888 100%);
}

.social-links a[aria-label="Instagram"]:hover i {
    color: white;
}

.social-links a[aria-label="TikTok"]:hover::before {
    background: #000000;
}

.social-links a[aria-label="TikTok"]:hover i {
    color: #00f2ea;
}

.social-links a[aria-label="WhatsApp"]:hover::before {
    background: #25D366;
}

.social-links a[aria-label="WhatsApp"]:hover i {
    color: white;
}

/* Input Focus Effects */
.form-group input:focus,
.form-group textarea:focus,
.form-group select:focus {
    border-color: var(--color-gold-primary);
    box-shadow: 0 0 0 3px rgba(197, 160, 82, 0.1),
        0 0 20px rgba(197, 160, 82, 0.2);
    transform: translateY(-2px);
}

/* Stats Counter Animation */
.stat-number {
    display: inline-block;
    transition: all var(--transition-base);
}

.stat-number:hover {
    transform: scale(1.1);
    color: var(--color-gold-primary);
}

/* Process Steps Sequential Animation */
.process-step {
    animation: slide-in-right 0.6s ease-out;
    animation-fill-mode: both;
}

.process-step:nth-child(1) {
    animation-delay: 0.1s;
}

.process-step:nth-child(2) {
    animation-delay: 0.2s;
}

.process-step:nth-child(3) {
    animation-delay: 0.3s;
}

.process-step:nth-child(4) {
    animation-delay: 0.4s;
}

/* Navbar Scroll Effect Enhancement */
.navbar.scrolled {
    backdrop-filter: blur(10px);
    background: rgba(13, 40, 71, 0.95);
    box-shadow: 0 4px 20px rgba(0, 0, 0, 0.1);
}

.navbar.scrolled .navbar-logo {
    transform: scale(0.85);
}

/* Link Underline Animation */
.navbar-menu a::after,
.footer-section a::after {
    content: '';
    position: absolute;
    bottom: -2px;
    left: 0;
    width: 0;
    height: 2px;
    background: var(--color-gold-primary);
    transition: width var(--transition-base);
}

.navbar-menu a {
    position: relative;
}

.footer-section a {
    position: relative;
    display: inline-block;
}

.navbar-menu a:hover::after,
.footer-section a:hover::after {
    width: 100%;
}

/* Glassmorphism Effect */
.calculator-card,
.contact-form {
    backdrop-filter: blur(10px);
    background: rgba(255, 255, 255, 0.95);
}

/* Shimmer Effect on Hover */
.btn-primary {
    background-image: linear-gradient(90deg,
            var(--color-gold-dark) 0%,
            var(--color-gold-primary) 50%,
            var(--color-gold-light) 100%);
    background-size: 200% auto;
    transition: background-position 0.5s ease;
}

.btn-primary:hover {
    background-position: right center;
}

/* Floating Animation for Logo */
.navbar-logo {
    animation: float-smooth 6s ease-in-out infinite;
}

/* Scroll Reveal Enhancement */
.fade-in-up {
    opacity: 0;
    transform: translateY(30px);
    transition: opacity 0.6s ease-out, transform 0.6s ease-out;
}

.fade-in-up.visible {
    opacity: 1;
    transform: translateY(0);
}

/* Accessibility: Respect reduced motion preference */
@media (prefers-reduced-motion: reduce) {

    *,
    *::before,
    *::after {
        animation-duration: 0.01ms !important;
        animation-iteration-count: 1 !important;
        transition-duration: 0.01ms !important;
    }
}

/* ===================================
   MICROCREDIT BANNER
   =================================== */

.microcredit-banner {
    display: inline-flex;
    align-items: center;
    gap: var(--space-2);
    background: var(--gradient-gold);
    color: var(--color-white);
    padding: var(--space-3) var(--space-6);
    border-radius: var(--radius-full);
    font-size: var(--text-sm);
    font-weight: 700;
    margin-bottom: var(--space-4);
    box-shadow: var(--shadow-gold);
    animation: pulse-glow 2s ease-in-out infinite;
}

.microcredit-banner i {
    font-size: var(--text-base);
    animation: rotate-star 3s linear infinite;
}

@keyframes pulse-glow {

    0%,
    100% {
        box-shadow: 0 0 10px rgba(197, 160, 82, 0.4);
    }

    50% {
        box-shadow: 0 0 20px rgba(197, 160, 82, 0.6);
    }
}

@keyframes rotate-star {
    0% {
        transform: rotate(0deg);
    }

    100% {
        transform: rotate(360deg);
    }
}

/* ===================================
   FAQ SECTION
   =================================== */

.faq {
    background: var(--color-gray-50);
}

.faq-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(400px, 1fr));
    gap: var(--space-6);
}

.faq-item {
    background: var(--color-white);
    border-radius: var(--radius-xl);
    overflow: hidden;
    box-shadow: var(--shadow-md);
    transition: all var(--transition-base);
    border: 2px solid transparent;
}

.faq-item:hover {
    box-shadow: var(--shadow-lg);
    border-color: var(--color-gold-primary);
}

.faq-question {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: var(--space-6);
    cursor: pointer;
    background: var(--color-white);
    transition: all var(--transition-base);
    user-select: none;
}

.faq-question:hover {
    background: var(--color-gray-50);
}

.faq-question h3 {
    font-size: var(--text-lg);
    margin-bottom: 0;
    color: var(--color-navy-primary);
    flex: 1;
}

.faq-question i {
    color: var(--color-gold-primary);
    font-size: var(--text-lg);
    transition: transform var(--transition-base);
}

.faq-item.active .faq-question i {
    transform: rotate(180deg);
}

.faq-answer {
    max-height: 0;
    overflow: hidden;
    transition: max-height var(--transition-slow), padding var(--transition-slow);
    padding: 0 var(--space-6);
}

.faq-item.active .faq-answer {
    max-height: 500px;
    padding: 0 var(--space-6) var(--space-6);
}

.faq-answer p {
    color: var(--color-gray-600);
    line-height: 1.7;
    margin-bottom: 0;
}