/* ═══════════════════════════════════════════════════════════
   IBC Corporate Finance Bank — Master Stylesheet
   © 2026 IBC Corporate Finance Bank. All rights reserved.
   ═══════════════════════════════════════════════════════════ */

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

/* ─── CSS VARIABLES ───────────────────────────────────────── */
:root {
    --color-top-bar: #4E4F4F;
    --color-main-nav: #0D151E;
    --color-hero-left: #131313;
    --color-primary-btn: #124E8A;
    --color-notice-banner: #B7C8D3;
    --color-page-bg: #F2F7FA;
    --color-hero-right-bg: #C7C5C5;
    --primary: #1A2D4A;
    --secondary: #D4AF37;
    --accent: #FFFFFF;
    --background: #F8FAFC;
    --success: #38A169;
    --error: #E53E3E;
    --warning: #D69E2E;
    --info: #3182CE;
    --text-primary: #1A2D4A;
    --text-secondary: #5A6B7F;
    --text-light: #8896A6;
    --border-color: #E2E8F0;
    --card-shadow: 0 2px 16px rgba(26,45,74,0.07);
    --card-shadow-hover: 0 8px 32px rgba(26,45,74,0.12);
    --font-heading: 'Montserrat', sans-serif;
    --font-body: 'Open Sans', sans-serif;
    --radius: 12px;
    --radius-sm: 8px;
    --radius-lg: 20px;
    --transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
}

/* ─── RESET & BASE ────────────────────────────────────────── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
    font-family: var(--font-body);
    color: var(--text-primary);
    background: var(--color-page-bg);
    line-height: 1.7;
    -webkit-font-smoothing: antialiased;
    overflow-x: hidden;
}
a { color: var(--primary); text-decoration: none; transition: var(--transition); }
a:hover { color: var(--secondary); }
img { max-width: 100%; height: auto; display: block; }
h1,h2,h3,h4,h5,h6 { font-family: var(--font-heading); font-weight: 700; line-height: 1.3; color: var(--primary); }
h1 { font-size: clamp(2rem, 4vw, 3.2rem); }
h2 { font-size: clamp(1.6rem, 3vw, 2.4rem); }
h3 { font-size: clamp(1.2rem, 2.5vw, 1.6rem); }
p { margin-bottom: 1rem; color: var(--text-secondary); }

/* ─── UTILITY CLASSES ─────────────────────────────────────── */
.container { max-width: 1280px; margin: 0 auto; padding: 0 24px; }
.container-lg { max-width: 1440px; margin: 0 auto; padding: 0 24px; }
.section-padding { padding: 80px 0; }
.section-padding-sm { padding: 50px 0; }
.text-center { text-align: center; }
.text-gold { color: var(--secondary); }
.text-navy { color: var(--primary); }
.text-white { color: #fff; }
.bg-navy { background: var(--primary); }
.bg-dark { background: var(--color-main-nav); }
.bg-light { background: var(--background); }
.bg-gold { background: var(--secondary); }
.mt-1 { margin-top: 8px; }
.mt-2 { margin-top: 16px; }
.mt-3 { margin-top: 24px; }
.mt-4 { margin-top: 40px; }
.mb-1 { margin-bottom: 8px; }
.mb-2 { margin-bottom: 16px; }
.mb-3 { margin-bottom: 24px; }
.mb-4 { margin-bottom: 40px; }

.section-label {
    font-family: var(--font-heading);
    font-size: 0.75rem;
    font-weight: 700;
    letter-spacing: 3px;
    text-transform: uppercase;
    color: var(--secondary);
    margin-bottom: 12px;
    display: block;
}

.section-title {
    margin-bottom: 16px;
}

.section-desc {
    max-width: 640px;
    margin: 0 auto 40px;
    color: var(--text-secondary);
    font-size: 1.05rem;
}

/* ─── BUTTONS ─────────────────────────────────────────────── */
.btn {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 14px 32px;
    font-family: var(--font-heading);
    font-weight: 600;
    font-size: 0.95rem;
    border-radius: var(--radius-sm);
    border: 2px solid transparent;
    cursor: pointer;
    transition: var(--transition);
    text-decoration: none;
    line-height: 1;
}
.btn-primary {
    background: var(--primary);
    color: #fff;
    border-color: var(--primary);
}
.btn-primary:hover {
    background: var(--secondary);
    color: var(--primary);
    border-color: var(--secondary);
    transform: translateY(-2px);
    box-shadow: 0 6px 20px rgba(212,175,55,0.3);
}
.btn-secondary {
    background: var(--secondary);
    color: var(--primary);
    border-color: var(--secondary);
}
.btn-secondary:hover {
    background: var(--primary);
    color: #fff;
    border-color: var(--primary);
    transform: translateY(-2px);
}
.btn-outline {
    background: transparent;
    color: #fff;
    border-color: #fff;
}
.btn-outline:hover {
    background: #fff;
    color: var(--primary);
}
.btn-outline-gold {
    background: transparent;
    color: var(--secondary);
    border-color: var(--secondary);
}
.btn-outline-gold:hover {
    background: var(--secondary);
    color: var(--primary);
}
.btn-sm { padding: 10px 20px; font-size: 0.85rem; }
.btn-lg { padding: 18px 40px; font-size: 1.05rem; }

/* ─── TOP UTILITY BAR ─────────────────────────────────────── */
.top-bar {
    background: var(--color-top-bar);
    padding: 6px 0;
    font-size: 0.8rem;
    color: #ccc;
}
.top-bar .container {
    display: flex;
    justify-content: space-between;
    align-items: center;
    flex-wrap: wrap;
    gap: 8px;
}
.top-bar a { color: #ddd; }
.top-bar a:hover { color: var(--secondary); }
.top-bar-left { display: flex; align-items: center; gap: 20px; }
.top-bar-right { display: flex; align-items: center; gap: 16px; }
#google_translate_element { display: inline-block; }
#google_translate_element select {
    background: rgba(255,255,255,0.1);
    color: #fff;
    border: 1px solid rgba(255,255,255,0.2);
    border-radius: 4px;
    padding: 2px 6px;
    font-size: 0.75rem;
}

/* ─── HEADER & NAVIGATION ─────────────────────────────────── */
.main-header {
    background: var(--color-main-nav);
    position: sticky;
    top: 0;
    z-index: 1000;
    box-shadow: 0 2px 20px rgba(0,0,0,0.15);
}
.nav-container {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 0 24px;
    max-width: 1440px;
    margin: 0 auto;
    height: 76px;
}
.nav-logo {
    display: flex;
    align-items: center;
    gap: 12px;
    text-decoration: none;
    flex-shrink: 0;
}
.nav-logo img { height: 44px; width: auto; }
.nav-logo-text {
    color: #fff;
    font-family: var(--font-heading);
    font-weight: 700;
    font-size: 1rem;
    line-height: 1.2;
}
.nav-logo-text small {
    display: block;
    color: var(--secondary);
    font-size: 0.65rem;
    font-weight: 500;
    letter-spacing: 2px;
    text-transform: uppercase;
}

.nav-menu {
    display: flex;
    list-style: none;
    gap: 0;
    align-items: center;
}
.nav-menu > li { position: relative; }
.nav-menu > li > a {
    color: #E2E8F0;
    font-family: var(--font-heading);
    font-weight: 500;
    font-size: 0.9rem;
    padding: 26px 18px;
    display: flex;
    align-items: center;
    gap: 5px;
    transition: var(--transition);
    position: relative;
}
.nav-menu > li > a::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 18px;
    right: 18px;
    height: 3px;
    background: var(--secondary);
    transform: scaleX(0);
    transition: transform 0.3s ease;
}
.nav-menu > li > a:hover,
.nav-menu > li > a.active { color: #fff; }
.nav-menu > li > a:hover::after,
.nav-menu > li > a.active::after { transform: scaleX(1); }

/* Dropdown */
.dropdown-menu {
    position: absolute;
    top: 100%;
    left: 0;
    background: #fff;
    min-width: 260px;
    box-shadow: 0 12px 40px rgba(0,0,0,0.15);
    border-radius: 0 0 var(--radius) var(--radius);
    opacity: 0;
    visibility: hidden;
    transform: translateY(10px);
    transition: var(--transition);
    z-index: 100;
    padding: 8px 0;
    border-top: 3px solid var(--secondary);
}
.nav-menu > li:hover > .dropdown-menu {
    opacity: 1;
    visibility: visible;
    transform: translateY(0);
}
.dropdown-menu a {
    display: block;
    padding: 10px 24px;
    color: var(--text-primary);
    font-size: 0.9rem;
    transition: var(--transition);
}
.dropdown-menu a:hover {
    background: var(--color-page-bg);
    color: var(--primary);
    padding-left: 30px;
}

/* Mega menu */
.mega-menu {
    position: absolute;
    top: 100%;
    left: 50%;
    transform: translateX(-50%) translateY(10px);
    background: #fff;
    min-width: 700px;
    box-shadow: 0 12px 40px rgba(0,0,0,0.15);
    border-radius: 0 0 var(--radius) var(--radius);
    opacity: 0;
    visibility: hidden;
    transition: var(--transition);
    z-index: 100;
    padding: 30px;
    border-top: 3px solid var(--secondary);
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 30px;
}
.nav-menu > li:hover > .mega-menu {
    opacity: 1;
    visibility: visible;
    transform: translateX(-50%) translateY(0);
}
.mega-col h4 {
    font-size: 0.8rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 2px;
    color: var(--secondary);
    margin-bottom: 12px;
    padding-bottom: 8px;
    border-bottom: 1px solid var(--border-color);
}
.mega-col a {
    display: block;
    padding: 6px 0;
    color: var(--text-secondary);
    font-size: 0.88rem;
}
.mega-col a:hover { color: var(--primary); }

.nav-actions {
    display: flex;
    align-items: center;
    gap: 12px;
}
.nav-actions .btn { padding: 10px 24px; font-size: 0.85rem; }

/* Mobile menu toggle */
.menu-toggle {
    display: none;
    background: none;
    border: none;
    cursor: pointer;
    padding: 8px;
}
.menu-toggle span {
    display: block;
    width: 24px;
    height: 2px;
    background: #fff;
    margin: 5px 0;
    transition: var(--transition);
}

/* ─── HERO SECTION ────────────────────────────────────────── */
.hero-carousel {
    position: relative;
    width: 100%;
    height: 600px;
    overflow: hidden;
    background: var(--color-main-nav);
}
.hero-slide {
    position: absolute;
    top: 0; left: 0;
    width: 100%;
    height: 100%;
    opacity: 0;
    transition: opacity 1s ease-in-out;
    display: flex;
    align-items: center;
}
.hero-slide.active { opacity: 1; z-index: 1; }
.hero-slide img {
    position: absolute;
    top: 0; left: 0;
    width: 100%;
    height: 100%;
    object-fit: cover;
}
.hero-overlay {
    position: absolute;
    top: 0; left: 0;
    width: 100%;
    height: 100%;
    background: linear-gradient(135deg, rgba(13,21,30,0.85) 0%, rgba(26,45,74,0.6) 50%, rgba(13,21,30,0.4) 100%);
    z-index: 1;
}
.hero-content {
    position: relative;
    z-index: 2;
    max-width: 680px;
    padding: 0 60px;
    animation: fadeInUp 0.8s ease;
}
.hero-content h1 {
    color: #fff;
    font-size: clamp(2.2rem, 4.5vw, 3.5rem);
    font-weight: 800;
    margin-bottom: 16px;
    line-height: 1.15;
}
.hero-content h1 span { color: var(--secondary); }
.hero-content p {
    color: rgba(255,255,255,0.85);
    font-size: 1.1rem;
    margin-bottom: 32px;
    max-width: 540px;
}
.hero-buttons { display: flex; gap: 16px; flex-wrap: wrap; }

/* Carousel controls */
.hero-dots {
    position: absolute;
    bottom: 30px;
    left: 50%;
    transform: translateX(-50%);
    display: flex;
    gap: 10px;
    z-index: 10;
}
.hero-dot {
    width: 12px; height: 12px;
    border-radius: 50%;
    background: rgba(255,255,255,0.4);
    cursor: pointer;
    transition: var(--transition);
    border: none;
}
.hero-dot.active { background: var(--secondary); transform: scale(1.2); }

.hero-arrow {
    position: absolute;
    top: 50%;
    transform: translateY(-50%);
    z-index: 10;
    background: rgba(255,255,255,0.1);
    backdrop-filter: blur(10px);
    border: 1px solid rgba(255,255,255,0.2);
    color: #fff;
    width: 50px; height: 50px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    cursor: pointer;
    font-size: 1.2rem;
    transition: var(--transition);
}
.hero-arrow:hover { background: var(--secondary); color: var(--primary); }
.hero-arrow-prev { left: 24px; }
.hero-arrow-next { right: 24px; }

/* ─── PAGE HERO ───────────────────────────────────────────── */
.page-hero {
    position: relative;
    height: 360px;
    display: flex;
    align-items: center;
    justify-content: center;
    overflow: hidden;
    background: var(--primary);
}
.page-hero img {
    position: absolute;
    top: 0; left: 0;
    width: 100%;
    height: 100%;
    object-fit: cover;
    opacity: 0.3;
}
.page-hero-overlay {
    position: absolute;
    top: 0; left: 0;
    width: 100%;
    height: 100%;
    background: linear-gradient(135deg, rgba(26,45,74,0.9), rgba(13,21,30,0.7));
}
.page-hero-content {
    position: relative;
    z-index: 2;
    text-align: center;
    color: #fff;
}
.page-hero-content h1 { color: #fff; margin-bottom: 12px; }
.page-hero-content p { color: rgba(255,255,255,0.8); max-width: 600px; margin: 0 auto; }
.breadcrumb {
    display: flex;
    gap: 8px;
    justify-content: center;
    margin-top: 16px;
    font-size: 0.85rem;
}
.breadcrumb a { color: var(--secondary); }
.breadcrumb span { color: rgba(255,255,255,0.6); }

/* ─── CARDS ───────────────────────────────────────────────── */
.card {
    background: #fff;
    border-radius: var(--radius);
    box-shadow: var(--card-shadow);
    overflow: hidden;
    transition: var(--transition);
}
.card:hover {
    transform: translateY(-6px);
    box-shadow: var(--card-shadow-hover);
}
.card-img { overflow: hidden; }
.card-img img { width: 100%; height: 220px; object-fit: cover; transition: transform 0.5s ease; }
.card:hover .card-img img { transform: scale(1.05); }
.card-body { padding: 24px; }
.card-body h3 { margin-bottom: 8px; font-size: 1.15rem; }
.card-body p { font-size: 0.92rem; }

/* Feature cards */
.feature-card {
    background: #fff;
    border-radius: var(--radius);
    padding: 36px 28px;
    box-shadow: var(--card-shadow);
    transition: var(--transition);
    text-align: center;
    position: relative;
    overflow: hidden;
}
.feature-card::before {
    content: '';
    position: absolute;
    top: 0; left: 0;
    width: 100%;
    height: 4px;
    background: linear-gradient(90deg, var(--primary), var(--secondary));
    transform: scaleX(0);
    transition: transform 0.3s ease;
    transform-origin: left;
}
.feature-card:hover::before { transform: scaleX(1); }
.feature-card:hover {
    transform: translateY(-8px);
    box-shadow: var(--card-shadow-hover);
}
.feature-icon {
    width: 64px; height: 64px;
    border-radius: 16px;
    background: linear-gradient(135deg, var(--primary), #2C4A6E);
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 20px;
    color: var(--secondary);
    font-size: 1.5rem;
}
.feature-card h3 { font-size: 1.1rem; margin-bottom: 10px; }
.feature-card p { font-size: 0.9rem; }

/* ─── GRIDS ───────────────────────────────────────────────── */
.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 30px; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 30px; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 30px; }
.grid-auto { display: grid; grid-template-columns: repeat(auto-fit, minmax(300px, 1fr)); gap: 30px; }

/* ─── STATS ───────────────────────────────────────────────── */
.stats-section {
    background: var(--primary);
    position: relative;
    overflow: hidden;
}
.stats-section::before {
    content: '';
    position: absolute;
    top: 0; left: 0;
    width: 100%;
    height: 100%;
    background: url('../images/bg-dark-navy-gold-geometric.jpeg') center/cover;
    opacity: 0.15;
}
.stats-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 30px;
    position: relative;
    z-index: 1;
}
.stat-item {
    text-align: center;
    padding: 30px 20px;
}
.stat-number {
    font-family: var(--font-heading);
    font-size: clamp(2rem, 3.5vw, 3rem);
    font-weight: 800;
    color: var(--secondary);
    line-height: 1;
    margin-bottom: 8px;
}
.stat-label {
    color: rgba(255,255,255,0.8);
    font-size: 0.9rem;
    font-weight: 500;
}

/* ─── TESTIMONIALS ────────────────────────────────────────── */
.testimonial-card {
    background: #fff;
    border-radius: var(--radius);
    padding: 36px;
    box-shadow: var(--card-shadow);
    position: relative;
}
.testimonial-card::before {
    content: '"';
    font-family: Georgia, serif;
    font-size: 5rem;
    color: var(--secondary);
    opacity: 0.2;
    position: absolute;
    top: 10px;
    left: 20px;
    line-height: 1;
}
.testimonial-text {
    font-size: 1rem;
    font-style: italic;
    color: var(--text-secondary);
    margin-bottom: 20px;
    line-height: 1.7;
}
.testimonial-author { display: flex; align-items: center; gap: 12px; }
.testimonial-avatar {
    width: 48px; height: 48px;
    border-radius: 50%;
    background: var(--primary);
    color: var(--secondary);
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 700;
    font-family: var(--font-heading);
}
.testimonial-name { font-weight: 600; color: var(--primary); font-size: 0.95rem; }
.testimonial-role { font-size: 0.82rem; color: var(--text-light); }

/* ─── CTA SECTION ─────────────────────────────────────────── */
.cta-section {
    background: linear-gradient(135deg, var(--primary) 0%, #0D151E 100%);
    position: relative;
    overflow: hidden;
}
.cta-section::before {
    content: '';
    position: absolute;
    top: -50%;
    right: -20%;
    width: 600px;
    height: 600px;
    background: radial-gradient(circle, rgba(212,175,55,0.08), transparent 70%);
    border-radius: 50%;
}
.cta-content {
    position: relative;
    z-index: 1;
    text-align: center;
}
.cta-content h2 { color: #fff; margin-bottom: 16px; }
.cta-content p { color: rgba(255,255,255,0.75); max-width: 600px; margin: 0 auto 32px; }

/* ─── FOOTER ──────────────────────────────────────────────── */
.main-footer {
    background: var(--color-main-nav);
    color: #B0BEC5;
    padding: 60px 0 0;
}
.footer-grid {
    display: grid;
    grid-template-columns: 1.5fr repeat(3, 1fr);
    gap: 40px;
    padding-bottom: 40px;
    border-bottom: 1px solid rgba(255,255,255,0.08);
}
.footer-brand { }
.footer-brand img { height: 48px; margin-bottom: 16px; }
.footer-brand p {
    color: #8896A6;
    font-size: 0.88rem;
    line-height: 1.7;
    margin-bottom: 20px;
}
.footer-social { display: flex; gap: 12px; }
.footer-social a {
    width: 40px; height: 40px;
    border-radius: 50%;
    background: rgba(255,255,255,0.06);
    display: flex;
    align-items: center;
    justify-content: center;
    color: #8896A6;
    transition: var(--transition);
}
.footer-social a:hover { background: var(--secondary); color: var(--primary); }

.footer-col h4 {
    color: #fff;
    font-size: 0.85rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 2px;
    margin-bottom: 20px;
    position: relative;
}
.footer-col h4::after {
    content: '';
    position: absolute;
    bottom: -8px;
    left: 0;
    width: 30px;
    height: 2px;
    background: var(--secondary);
}
.footer-col a {
    display: block;
    color: #8896A6;
    font-size: 0.88rem;
    padding: 5px 0;
    transition: var(--transition);
}
.footer-col a:hover { color: var(--secondary); padding-left: 4px; }

.footer-bottom {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 24px 0;
    flex-wrap: wrap;
    gap: 12px;
}
.footer-bottom p {
    color: #5A6B7F;
    font-size: 0.82rem;
    margin: 0;
}
.footer-bottom-links { display: flex; gap: 20px; }
.footer-bottom-links a { color: #5A6B7F; font-size: 0.82rem; }
.footer-bottom-links a:hover { color: var(--secondary); }

/* ─── WHATSAPP BUTTON ─────────────────────────────────────── */
.whatsapp-float {
    position: fixed;
    bottom: 24px;
    right: 24px;
    width: 56px;
    height: 56px;
    background: #25D366;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    box-shadow: 0 4px 16px rgba(37,211,102,0.4);
    z-index: 9999;
    transition: var(--transition);
    animation: whatsappBounce 2s ease-in-out;
}
.whatsapp-float:hover {
    transform: scale(1.1);
    box-shadow: 0 6px 24px rgba(37,211,102,0.5);
}
.whatsapp-float svg { width: 28px; height: 28px; fill: #fff; }

@keyframes whatsappBounce {
    0%, 100% { transform: translateY(0); }
    25% { transform: translateY(-8px); }
    50% { transform: translateY(0); }
    75% { transform: translateY(-4px); }
}

/* ─── BACK TO TOP ─────────────────────────────────────────── */
.back-to-top {
    position: fixed;
    bottom: 90px;
    right: 24px;
    width: 44px;
    height: 44px;
    background: var(--primary);
    color: var(--secondary);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    z-index: 9998;
    opacity: 0;
    visibility: hidden;
    transition: var(--transition);
    cursor: pointer;
    border: none;
    font-size: 1.2rem;
}
.back-to-top.visible { opacity: 1; visibility: visible; }
.back-to-top:hover { background: var(--secondary); color: var(--primary); }

/* ─── COOKIE BANNER ───────────────────────────────────────── */
.cookie-banner {
    position: fixed;
    bottom: 0;
    left: 0;
    right: 0;
    background: var(--color-main-nav);
    color: #B0BEC5;
    padding: 20px 30px;
    z-index: 10000;
    display: none;
    box-shadow: 0 -4px 20px rgba(0,0,0,0.3);
}
.cookie-banner.show { display: flex; align-items: center; justify-content: space-between; flex-wrap: wrap; gap: 16px; }
.cookie-banner p { margin: 0; font-size: 0.88rem; flex: 1; }
.cookie-banner a { color: var(--secondary); }
.cookie-actions { display: flex; gap: 10px; }

/* ─── FORMS ───────────────────────────────────────────────── */
.form-group { margin-bottom: 20px; }
.form-group label {
    display: block;
    font-weight: 600;
    font-size: 0.88rem;
    margin-bottom: 6px;
    color: var(--text-primary);
}
.form-control {
    width: 100%;
    padding: 12px 16px;
    border: 2px solid var(--border-color);
    border-radius: var(--radius-sm);
    font-family: var(--font-body);
    font-size: 0.95rem;
    color: var(--text-primary);
    transition: var(--transition);
    background: #fff;
}
.form-control:focus {
    outline: none;
    border-color: var(--primary);
    box-shadow: 0 0 0 3px rgba(26,45,74,0.1);
}
.form-control::placeholder { color: var(--text-light); }
select.form-control { appearance: none; background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 12 12'%3E%3Cpath fill='%235A6B7F' d='M6 8L1 3h10z'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 14px center; padding-right: 36px; }
textarea.form-control { min-height: 120px; resize: vertical; }

/* ─── NOTICE BANNER ───────────────────────────────────────── */
.notice-banner {
    background: var(--color-notice-banner);
    padding: 10px 0;
    text-align: center;
    font-size: 0.85rem;
    color: var(--primary);
    font-weight: 500;
    transition: max-height 0.6s ease, padding 0.6s ease;
    max-height: 60px;
    overflow: hidden;
}
.notice-banner .notice-msg { transition: opacity 0.4s ease; }
.notice-banner a { color: var(--primary); font-weight: 700; text-decoration: underline; }

/* ─── Search Button & Full-Screen Overlay ────────────────── */
.nav-search-btn { background:none; border:none; color:var(--text-secondary); font-size:1.1rem; cursor:pointer; padding:8px; transition:color 0.3s; }
.nav-search-btn:hover { color: var(--secondary); }
.search-overlay { position:fixed; top:0; left:0; width:100%; height:100%; background:rgba(13,21,30,0.92); backdrop-filter:blur(12px); z-index:10000; display:none; align-items:flex-start; justify-content:center; padding-top:15vh; }
.search-overlay.active { display:flex; }
.search-box { width:90%; max-width:680px; text-align:center; }
.search-box h3 { color:#fff; font-family:var(--font-heading); font-size:1.4rem; margin-bottom:20px; }
.search-box h3 span { color:var(--secondary); }
.search-input-wrap { display:flex; background:#fff; border-radius:50px; overflow:hidden; box-shadow:0 8px 32px rgba(0,0,0,0.3); }
.search-input-wrap input { flex:1; border:none; padding:16px 24px; font-size:1.05rem; font-family:var(--font-body); outline:none; }
.search-input-wrap button { background:var(--primary); border:none; padding:0 28px; color:var(--secondary); font-size:1.2rem; cursor:pointer; transition:background 0.3s; }
.search-input-wrap button:hover { background:var(--secondary); color:var(--primary); }
.search-close { position:absolute; top:30px; right:40px; color:#fff; font-size:2rem; cursor:pointer; background:none; border:none; transition:color 0.3s; }
.search-close:hover { color:var(--secondary); }
.search-quick-links { margin-top:24px; display:flex; gap:10px; justify-content:center; flex-wrap:wrap; }
.search-quick-links a { background:rgba(255,255,255,0.08); color:rgba(255,255,255,0.7); padding:8px 18px; border-radius:20px; font-size:0.82rem; font-weight:500; transition:all 0.3s; text-decoration:none; }
.search-quick-links a:hover { background:var(--secondary); color:var(--primary); }

/* ─── ANIMATIONS ──────────────────────────────────────────── */
@keyframes fadeInUp {
    from { opacity: 0; transform: translateY(30px); }
    to { opacity: 1; transform: translateY(0); }
}
@keyframes fadeIn {
    from { opacity: 0; }
    to { opacity: 1; }
}
.animate-on-scroll {
    opacity: 0;
    transform: translateY(30px);
    transition: opacity 0.7s ease, transform 0.7s ease;
}
.animate-on-scroll.visible {
    opacity: 1;
    transform: translateY(0);
}

/* ─── RESPONSIVE ──────────────────────────────────────────── */
@media (max-width: 1024px) {
    .footer-grid { grid-template-columns: repeat(2, 1fr); }
    .stats-grid { grid-template-columns: repeat(2, 1fr); }
    .grid-4 { grid-template-columns: repeat(2, 1fr); }
    .mega-menu { min-width: 100%; grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 768px) {
    .menu-toggle { display: block; }
    .nav-menu {
        position: fixed;
        top: 0; right: -100%;
        width: 85%;
        max-width: 380px;
        height: 100vh;
        background: var(--color-main-nav);
        flex-direction: column;
        padding: 80px 24px 24px;
        transition: right 0.4s cubic-bezier(0.4, 0, 0.2, 1);
        overflow-y: auto;
        z-index: 999;
        box-shadow: -8px 0 30px rgba(0,0,0,0.3);
    }
    .nav-menu.open { right: 0; }
    .nav-menu > li > a { padding: 14px 0; border-bottom: 1px solid rgba(255,255,255,0.05); }
    .nav-menu > li > a::after { display: none; }
    .dropdown-menu, .mega-menu {
        position: static;
        opacity: 1;
        visibility: visible;
        transform: none;
        box-shadow: none;
        border: none;
        background: rgba(255,255,255,0.04);
        border-radius: var(--radius-sm);
        display: none;
        min-width: 100%;
        grid-template-columns: 1fr;
        padding: 8px 16px;
    }
    .nav-menu > li.open > .dropdown-menu,
    .nav-menu > li.open > .mega-menu { display: block; }
    .dropdown-menu a { color: #B0BEC5; padding: 8px 0; }
    .nav-actions { display: none; }
    .hero-carousel { height: 500px; }
    .hero-content { padding: 0 24px; }
    .hero-content h1 { font-size: 1.8rem; }
    .hero-arrow { display: none; }
    .page-hero { height: 280px; }
    .grid-2, .grid-3 { grid-template-columns: 1fr; }
    .footer-grid { grid-template-columns: 1fr; }
    .stats-grid { grid-template-columns: 1fr 1fr; }
    .footer-bottom { flex-direction: column; text-align: center; }
    .section-padding { padding: 50px 0; }
    .top-bar-left { display: none; }
}

@media (max-width: 480px) {
    .hero-carousel { height: 420px; }
    .hero-buttons { flex-direction: column; }
    .hero-buttons .btn { width: 100%; justify-content: center; }
    .stats-grid { grid-template-columns: 1fr; }
}

/* ─── OVERLAY for mobile menu ─────────────────────────────── */
.nav-overlay {
    position: fixed;
    top: 0; left: 0;
    width: 100%;
    height: 100%;
    background: rgba(0,0,0,0.5);
    z-index: 998;
    opacity: 0;
    visibility: hidden;
    transition: var(--transition);
}
.nav-overlay.active { opacity: 1; visibility: visible; }

/* ─── FAQ ACCORDION ───────────────────────────────────────── */
.accordion-item {
    border: 1px solid var(--border-color);
    border-radius: var(--radius-sm);
    margin-bottom: 12px;
    overflow: hidden;
    transition: var(--transition);
}
.accordion-header {
    padding: 18px 24px;
    background: #fff;
    cursor: pointer;
    display: flex;
    justify-content: space-between;
    align-items: center;
    font-weight: 600;
    font-size: 0.95rem;
    transition: var(--transition);
}
.accordion-header:hover { background: var(--color-page-bg); }
.accordion-icon {
    transition: transform 0.3s ease;
    color: var(--secondary);
    font-size: 1.2rem;
}
.accordion-item.open .accordion-icon { transform: rotate(45deg); }
.accordion-body {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.4s ease;
    padding: 0 24px;
}
.accordion-item.open .accordion-body {
    max-height: 500px;
    padding: 0 24px 18px;
}

/* ─── SIGNUP WIZARD ───────────────────────────────────────── */
.wizard-progress {
    display: flex;
    justify-content: center;
    gap: 0;
    margin-bottom: 40px;
    position: relative;
}
.wizard-step-indicator {
    display: flex;
    flex-direction: column;
    align-items: center;
    position: relative;
    flex: 1;
    max-width: 160px;
}
.wizard-step-number {
    width: 44px; height: 44px;
    border-radius: 50%;
    background: var(--border-color);
    color: var(--text-light);
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 700;
    font-size: 0.95rem;
    position: relative;
    z-index: 2;
    transition: var(--transition);
}
.wizard-step-indicator.active .wizard-step-number,
.wizard-step-indicator.completed .wizard-step-number {
    background: var(--primary);
    color: #fff;
}
.wizard-step-indicator.completed .wizard-step-number {
    background: var(--success);
}
.wizard-step-label {
    font-size: 0.75rem;
    font-weight: 600;
    margin-top: 8px;
    color: var(--text-light);
    text-align: center;
}
.wizard-step-indicator.active .wizard-step-label { color: var(--primary); }
.wizard-step-connector {
    position: absolute;
    top: 22px;
    left: calc(50% + 22px);
    right: calc(-50% + 22px);
    height: 2px;
    background: var(--border-color);
    z-index: 1;
}
.wizard-step-indicator.completed .wizard-step-connector { background: var(--success); }

.wizard-panel { display: none; animation: fadeIn 0.3s ease; }
.wizard-panel.active { display: block; }
.wizard-buttons { display: flex; justify-content: space-between; margin-top: 30px; }

/* ─── Google Translate Widget ─────────────────────────────── */
/* Make the Google G translate button area look clean */
.goog-te-gadget { font-size: 0 !important; line-height: 0 !important; }
.goog-te-gadget img { display: none !important; }
.goog-te-banner-frame, .skiptranslate iframe { display: none !important; }
body { top: 0 !important; }
.VIpgJd-ZVi9od-ORHb-OEVmcd, .VIpgJd-ZVi9od-xl07Ob-lTBxed { display: none !important; }
#google_translate_element { display: inline-block; vertical-align: middle; }
#google_translate_element .goog-te-gadget { font-size: 0 !important; }
#google_translate_element select,
#google_translate_element .goog-te-combo {
    background: rgba(255,255,255,0.08) !important;
    color: #fff !important;
    border: 1px solid rgba(255,255,255,0.2) !important;
    border-radius: 4px !important;
    padding: 2px 6px !important;
    font-size: 0.72rem !important;
    max-width: 138px !important;
    cursor: pointer !important;
    outline: none !important;
}
#google_translate_element select option { background: #1A2D4A !important; color: #fff !important; }

/* Hide browser native password reveal button (Edge/Chrome) */
input[type="password"]::-ms-reveal,
input[type="password"]::-ms-clear,
input[type="password"]::-webkit-credentials-auto-fill-button,
input::-ms-reveal,
input::-ms-clear { display: none !important; }