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

:root {
    --navy: #0a1628;
    --navy-light: #132040;
    --blue: #1a3a6b;
    --blue-mid: #2a5298;
    --gold: #c9a84c;
    --gold-light: #e8d48b;
    --gold-dark: #a88a2e;
    --white: #ffffff;
    --gray-50: #f8f9fc;
    --gray-100: #eef1f6;
    --gray-200: #d8dde8;
    --gray-400: #8896ab;
    --gray-600: #4a5568;
    --gray-800: #1a202c;
    --radius: 12px;
    --shadow: 0 4px 24px rgba(10,22,40,0.08);
    --shadow-lg: 0 12px 48px rgba(10,22,40,0.12);
    --transition: 0.3s cubic-bezier(0.4, 0, 0.2, 1);
}

html { scroll-behavior: smooth; }
body { font-family: 'Inter', sans-serif; color: var(--gray-800); line-height: 1.6; overflow-x: hidden; background: var(--white); }

/* ============ ANIMATIONS ============ */
@keyframes fadeInUp {
    from { opacity: 0; transform: translateY(40px); }
    to { opacity: 1; transform: translateY(0); }
}
@keyframes fadeInLeft {
    from { opacity: 0; transform: translateX(-40px); }
    to { opacity: 1; transform: translateX(0); }
}
@keyframes fadeInRight {
    from { opacity: 0; transform: translateX(40px); }
    to { opacity: 1; transform: translateX(0); }
}
@keyframes scaleIn {
    from { opacity: 0; transform: scale(0.9); }
    to { opacity: 1; transform: scale(1); }
}
@keyframes float {
    0%, 100% { transform: translateY(0px); }
    50% { transform: translateY(-12px); }
}
@keyframes pulse-gold {
    0%, 100% { box-shadow: 0 0 0 0 rgba(201,168,76,0.4); }
    50% { box-shadow: 0 0 0 16px rgba(201,168,76,0); }
}
@keyframes shimmer {
    0% { background-position: -200% 0; }
    100% { background-position: 200% 0; }
}
@keyframes rotate-slow {
    from { transform: rotate(0deg); }
    to { transform: rotate(360deg); }
}
@keyframes gradient-shift {
    0%, 100% { background-position: 0% 50%; }
    50% { background-position: 100% 50%; }
}
@keyframes counter {
    from { opacity: 0; transform: translateY(20px); }
    to { opacity: 1; transform: translateY(0); }
}
@keyframes draw-line {
    from { width: 0; }
    to { width: 60px; }
}

.animate-on-scroll { opacity: 0; transform: translateY(30px); transition: opacity 0.8s ease, transform 0.8s ease; }
.animate-on-scroll.visible { opacity: 1; transform: translateY(0); }
.delay-1 { transition-delay: 0.1s; }
.delay-2 { transition-delay: 0.2s; }
.delay-3 { transition-delay: 0.3s; }
.delay-4 { transition-delay: 0.4s; }

/* ============ NAVIGATION ============ */
.nav-container {
    background: var(--white);
    border-bottom: 1px solid var(--gray-100);
    position: sticky;
    top: 0;
    z-index: 1000;
    transition: var(--transition);
}
.nav-container.scrolled {
    box-shadow: 0 2px 20px rgba(10,22,40,0.08);
}
.nav-inner {
    max-width: 1280px;
    margin: 0 auto;
    padding: 0 24px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    height: 72px;
}
.logo {
    display: flex;
    align-items: center;
    gap: 12px;
    text-decoration: none;
}
.logo-icon {
    width: 44px; height: 44px;
    background: linear-gradient(135deg, var(--navy), var(--blue-mid));
    border-radius: 10px;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--gold);
    font-weight: 800;
    font-size: 1.1rem;
    letter-spacing: -0.5px;
    position: relative;
    overflow: hidden;
}
.logo-icon::after {
    content: '';
    position: absolute;
    top: -50%; left: -50%;
    width: 200%; height: 200%;
    background: radial-gradient(circle, rgba(201,168,76,0.15) 0%, transparent 60%);
    animation: rotate-slow 8s linear infinite;
}
.logo-text { display: flex; flex-direction: column; }
.logo-text .brand { font-size: 1.25rem; font-weight: 800; color: var(--navy); letter-spacing: -0.5px; }
.logo-text .tagline { font-size: 0.65rem; color: var(--gray-400); text-transform: uppercase; letter-spacing: 1.5px; font-weight: 500; }

.nav-links { display: flex; align-items: center; gap: 32px; list-style: none; }
.nav-links a {
    text-decoration: none;
    color: var(--gray-600);
    font-weight: 500;
    font-size: 0.9rem;
    position: relative;
    transition: var(--transition);
}
.nav-links a::after {
    content: '';
    position: absolute;
    bottom: -4px; left: 0;
    width: 0; height: 2px;
    background: var(--gold);
    transition: width 0.3s ease;
}
.nav-links a:hover { color: var(--navy); }
.nav-links a:hover::after { width: 100%; }

.nav-cta {
    background: linear-gradient(135deg, var(--gold-dark), var(--gold));
    color: var(--navy) !important;
    padding: 10px 24px;
    border-radius: 8px;
    font-weight: 600 !important;
    transition: var(--transition);
    border: none;
    cursor: pointer;
}
.nav-cta::after { display: none !important; }
.nav-cta:hover { transform: translateY(-2px); box-shadow: 0 4px 16px rgba(201,168,76,0.4); }

.mobile-toggle { display: none; background: none; border: none; cursor: pointer; padding: 8px; }
.mobile-toggle span { display: block; width: 24px; height: 2px; background: var(--navy); margin: 6px 0; transition: var(--transition); border-radius: 2px; }

/* ============ BUTTONS ============ */
.btn-primary {
    background: linear-gradient(135deg, var(--gold-dark), var(--gold));
    color: var(--navy);
    padding: 16px 36px;
    border-radius: 10px;
    font-weight: 700;
    font-size: 1rem;
    text-decoration: none;
    display: inline-flex;
    align-items: center;
    gap: 10px;
    transition: var(--transition);
    border: none;
    cursor: pointer;
}
.btn-primary:hover { transform: translateY(-3px); box-shadow: 0 8px 32px rgba(201,168,76,0.4); }
.btn-secondary {
    background: rgba(255,255,255,0.05);
    border: 1px solid rgba(255,255,255,0.15);
    color: var(--white);
    padding: 16px 36px;
    border-radius: 10px;
    font-weight: 600;
    font-size: 1rem;
    text-decoration: none;
    display: inline-flex;
    align-items: center;
    gap: 10px;
    transition: var(--transition);
    cursor: pointer;
}
.btn-secondary:hover { background: rgba(255,255,255,0.1); border-color: rgba(255,255,255,0.3); }

/* ============ PAGE HEADER (for sub-pages) ============ */
.page-header {
    background: linear-gradient(135deg, var(--navy) 0%, var(--blue) 100%);
    padding: 80px 24px 60px;
    text-align: center;
    position: relative;
    overflow: hidden;
}
.page-header::before {
    content: '';
    position: absolute; inset: 0;
    background-image: linear-gradient(rgba(201,168,76,0.03) 1px, transparent 1px), linear-gradient(90deg, rgba(201,168,76,0.03) 1px, transparent 1px);
    background-size: 60px 60px;
}
.page-header h1 {
    font-family: 'Playfair Display', serif;
    font-size: 2.8rem; font-weight: 700; color: var(--white);
    margin-bottom: 12px; position: relative; z-index: 2;
    animation: fadeInUp 0.8s ease;
}
.page-header p { color: rgba(255,255,255,0.5); font-size: 1rem; position: relative; z-index: 2; animation: fadeInUp 0.8s ease 0.1s both; }
.breadcrumb { margin-top: 16px; position: relative; z-index: 2; animation: fadeInUp 0.8s ease 0.2s both; }
.breadcrumb a { color: var(--gold); text-decoration: none; font-size: 0.85rem; }
.breadcrumb span { color: rgba(255,255,255,0.3); font-size: 0.85rem; margin: 0 8px; }

/* ============ CONTENT SECTION (for policy/legal pages) ============ */
.content-section { max-width: 860px; margin: 0 auto; padding: 64px 24px 100px; }
.content-section h2 {
    font-family: 'Playfair Display', serif;
    font-size: 1.6rem; font-weight: 700; color: var(--navy);
    margin: 40px 0 16px; padding-bottom: 12px;
    border-bottom: 2px solid var(--gray-100);
}
.content-section h2:first-of-type { margin-top: 0; }
.content-section p { font-size: 0.95rem; color: var(--gray-600); line-height: 1.8; margin-bottom: 16px; }
.content-section ul { list-style: none; margin-bottom: 20px; }
.content-section li { padding: 8px 0 8px 28px; position: relative; font-size: 0.95rem; color: var(--gray-600); line-height: 1.7; }
.content-section li::before { content: ''; position: absolute; left: 0; top: 16px; width: 8px; height: 8px; background: var(--gold); border-radius: 50%; }
.effective-date { display: inline-block; background: var(--gray-50); border: 1px solid var(--gray-100); border-radius: 8px; padding: 8px 16px; font-size: 0.85rem; color: var(--gray-400); margin-bottom: 32px; }

/* ============ SECTION STYLES ============ */
.section { padding: 100px 24px; }
.section-dark { background: var(--navy); color: var(--white); }
.section-light { background: var(--gray-50); }
.section-header {
    text-align: center;
    max-width: 640px;
    margin: 0 auto 64px;
}
.section-label {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    font-size: 0.8rem;
    font-weight: 600;
    color: var(--gold);
    text-transform: uppercase;
    letter-spacing: 2px;
    margin-bottom: 16px;
}
.section-label::before, .section-label::after {
    content: '';
    width: 24px; height: 1px;
    background: var(--gold);
}
.section-header h2 {
    font-family: 'Playfair Display', serif;
    font-size: 2.8rem;
    font-weight: 700;
    color: var(--navy);
    margin-bottom: 16px;
    line-height: 1.2;
}
.section-dark .section-header h2 { color: var(--white); }
.section-header p {
    font-size: 1.05rem;
    color: var(--gray-400);
    line-height: 1.7;
}

/* ============ FEATURES GRID (shared) ============ */
.features-grid {
    max-width: 1280px;
    margin: 0 auto;
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 32px;
}
.feature-card {
    background: var(--white);
    border-radius: 16px;
    padding: 40px 32px;
    border: 1px solid var(--gray-100);
    transition: var(--transition);
    position: relative;
    overflow: hidden;
}
.feature-card::before {
    content: '';
    position: absolute;
    top: 0; left: 0; right: 0;
    height: 3px;
    background: linear-gradient(90deg, var(--gold-dark), var(--gold));
    transform: scaleX(0);
    transform-origin: left;
    transition: transform 0.4s ease;
}
.feature-card:hover { transform: translateY(-8px); box-shadow: var(--shadow-lg); border-color: transparent; }
.feature-card:hover::before { transform: scaleX(1); }
.feature-icon {
    width: 56px; height: 56px;
    background: linear-gradient(135deg, rgba(10,22,40,0.04), rgba(10,22,40,0.08));
    border-radius: 14px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.5rem;
    margin-bottom: 24px;
    transition: var(--transition);
}
.feature-card:hover .feature-icon {
    background: linear-gradient(135deg, var(--navy), var(--blue));
    color: var(--gold);
}
.feature-card h3 {
    font-size: 1.15rem;
    font-weight: 700;
    color: var(--navy);
    margin-bottom: 12px;
}
.feature-card p {
    font-size: 0.92rem;
    color: var(--gray-400);
    line-height: 1.7;
}

/* ============ WHATSAPP FLOAT ============ */
.whatsapp-float {
    position: fixed;
    bottom: 28px;
    right: 28px;
    width: 56px; height: 56px;
    background: #25D366;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: white;
    font-size: 1.6rem;
    text-decoration: none;
    z-index: 999;
    box-shadow: 0 4px 20px rgba(37,211,102,0.4);
    transition: var(--transition);
    animation: pulse-gold 2s infinite;
}
.whatsapp-float:hover { transform: scale(1.1); }

/* ============ FOOTER ============ */
footer {
    background: var(--gray-800);
    color: rgba(255,255,255,0.6);
    padding: 40px 24px;
}
.footer-inner {
    max-width: 1280px;
    margin: 0 auto;
    font-size: 0.85rem;
}
.footer-inner a { color: var(--gold); text-decoration: none; }
.footer-trust-badges {
    display: flex;
    align-items: center;
    justify-content: space-around;
    flex-wrap: wrap;
    gap: 20px;
    padding-bottom: 28px;
    margin-bottom: 24px;
    border-bottom: 1px solid rgba(255,255,255,0.08);
}
.footer-trust-item {
    display: flex;
    align-items: center;
    gap: 10px;
    color: rgba(255,255,255,0.7);
    font-size: 0.85rem;
    font-weight: 500;
}
.footer-trust-icon {
    width: 36px; height: 36px;
    background: rgba(201,168,76,0.1);
    border: 1px solid rgba(201,168,76,0.2);
    border-radius: 8px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1rem;
    flex-shrink: 0;
}
.footer-bottom-bar {
    display: flex;
    justify-content: space-between;
    align-items: center;
    flex-wrap: wrap;
    gap: 16px;
}

/* ============ RESPONSIVE ============ */
@media (max-width: 768px) {
    .nav-links { display: none; }
    .mobile-toggle { display: block; }
    .nav-links.mobile-open {
        display: flex;
        flex-direction: column;
        position: absolute;
        top: 72px; left: 0; right: 0;
        background: var(--white);
        padding: 24px;
        box-shadow: var(--shadow-lg);
        gap: 16px;
    }
    .page-header h1 { font-size: 2rem; }
    .content-section { padding: 40px 16px 60px; }
    .section { padding: 60px 16px; }
    .section-header h2 { font-size: 2rem; }
    .features-grid { grid-template-columns: 1fr; }
    .footer-trust-badges { gap: 12px; }
    .footer-trust-item { font-size: 0.78rem; }
}