/* Reset and Base Styles */
* {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
}

:root {
    /* Chase Bank Blue Color Palette */
    --primary-color: #1C3A5E;
    --primary-dark: #0F2540;
    --primary-light: #2A4A6E;
    --primary-lighter: #3A5A7E;
    --accent-color: #1170B8;
    --accent-light: #3A8AC8;
    --accent-dark: #0E5A94;
    --accent-glow: rgba(17, 112, 184, 0.3);
    --accent-lightest: #E6F2F9;
    --text-dark: #1a1a1a;
    --text-medium: #2d2d2d;
    --text-light: #666666;
    --text-lighter: #999999;
    --bg-light: #f8f9fa;
    --bg-lighter: #fafbfc;
    --bg-white: #ffffff;
    --bg-overlay: rgba(28, 58, 94, 0.03);
    --border-color: #e5e7eb;
    --border-light: #f3f4f6;
    --success-color: #10b981;
    --error-color: #ef4444;
    --shadow: 0 1px 3px rgba(0, 0, 0, 0.05), 0 1px 2px rgba(0, 0, 0, 0.1);
    --shadow-md: 0 4px 6px rgba(0, 0, 0, 0.07), 0 2px 4px rgba(0, 0, 0, 0.06);
    --shadow-lg: 0 10px 15px rgba(0, 0, 0, 0.1), 0 4px 6px rgba(0, 0, 0, 0.05);
    --shadow-xl: 0 20px 25px rgba(0, 0, 0, 0.1), 0 10px 10px rgba(0, 0, 0, 0.04);
    --shadow-glow: 0 0 20px var(--accent-glow);
    --gradient-primary: linear-gradient(135deg, var(--primary-color) 0%, var(--primary-light) 50%, var(--primary-dark) 100%);
    --gradient-accent: linear-gradient(135deg, var(--accent-color) 0%, var(--accent-light) 50%, var(--accent-color) 100%);
    --gradient-hero: linear-gradient(135deg, #1C3A5E 0%, #2A4A6E 30%, #3A5A7E 60%, #0F2540 100%);
    
    /* Fibonacci Sequence for Spacing */
    --spacing-xs: 8px;
    --spacing-sm: 13px;
    --spacing-md: 21px;
    --spacing-lg: 34px;
    --spacing-xl: 55px;
    --spacing-xxl: 89px;
    --spacing-xxxl: 144px;
    
    /* Typography Scale */
    --font-xs: 12px;
    --font-sm: 14px;
    --font-base: 16px;
    --font-md: 18px;
    --font-lg: 24px;
    --font-xl: 32px;
    --font-xxl: 42px;
    --font-hero: 56px;
}

html {
    scroll-behavior: smooth;
    scroll-padding-top: 80px;
}

body {
    font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', 'Roboto', 'Helvetica Neue', Arial, sans-serif;
    color: var(--text-dark);
    line-height: 1.7;
    background-color: var(--bg-white);
    overflow-x: hidden;
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
    font-size: var(--font-base);
    letter-spacing: -0.01em;
    background-image: 
        radial-gradient(circle at 20% 50%, rgba(28, 58, 94, 0.02) 0%, transparent 50%),
        radial-gradient(circle at 80% 80%, rgba(17, 112, 184, 0.02) 0%, transparent 50%);
    background-attachment: fixed;
}

.container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 24px;
    width: 100%;
}

/* Header Styles */
header {
    background: #FFFFFF;
    box-shadow: 0 1px 3px rgba(0, 0, 0, 0.08);
    position: sticky;
    top: 0;
    z-index: 1000;
    padding: 0;
    border-bottom: 1px solid rgba(28, 58, 94, 0.08);
    transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
}

header.scrolled {
    box-shadow: 0 2px 0 rgba(0, 0, 0, 0.06), 
                0 8px 32px rgba(0, 0, 0, 0.08),
                inset 0 1px 0 rgba(255, 255, 255, 0.9);
}

header .container {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 20px 40px;
    max-width: 1400px;
    margin: 0 auto;
}

.header-logo {
    display: flex;
    align-items: center;
    gap: 14px;
    text-decoration: none;
    color: inherit;
    transition: opacity 0.2s ease;
}

.header-logo:hover {
    opacity: 0.9;
}

.logo-monogram-small {
    width: 50px;
    height: 50px;
    background: var(--primary-color);
    color: var(--accent-color);
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 700;
    font-size: 21px;
    font-family: 'Playfair Display', serif;
    border-radius: 8px;
    border: 2px solid var(--accent-color);
    box-shadow: 0 2px 8px rgba(10, 39, 64, 0.12),
                inset 0 1px 0 rgba(255, 255, 255, 0.1),
                0 0 0 0 var(--accent-glow);
    transition: all 0.4s cubic-bezier(0.4, 0, 0.2, 1);
    position: relative;
    overflow: hidden;
}

.logo-monogram-small::before {
    content: '';
    position: absolute;
    top: 50%;
    left: 50%;
    width: 0;
    height: 0;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(201, 169, 97, 0.3) 0%, transparent 70%);
    transform: translate(-50%, -50%);
    transition: width 0.6s ease, height 0.6s ease;
}

.logo-monogram-small:hover::before {
    width: 200%;
    height: 200%;
}

.logo-monogram-small:hover {
    transform: translateY(-2px) scale(1.02);
    box-shadow: 0 6px 20px rgba(10, 39, 64, 0.2),
                inset 0 1px 0 rgba(255, 255, 255, 0.15),
                0 0 20px var(--accent-glow);
    border-color: var(--accent-light);
    background: linear-gradient(135deg, var(--primary-color) 0%, var(--primary-dark) 100%);
}

.logo-text-small {
    font-family: 'Playfair Display', serif;
    font-size: 15px;
    font-weight: 600;
    color: var(--primary-color);
    line-height: 1.3;
    letter-spacing: 1px;
    text-transform: uppercase;
    display: flex;
    flex-direction: column;
    gap: 0;
}

.logo-text-small div {
    line-height: 1.1;
}

header nav {
    display: flex;
    gap: 40px;
    align-items: center;
}

header nav a {
    text-decoration: none;
    color: var(--text-medium);
    font-weight: 500;
    transition: all 0.25s cubic-bezier(0.4, 0, 0.2, 1);
    font-size: 15px;
    position: relative;
    padding: 8px 0;
    letter-spacing: 0.2px;
}

header nav a::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 50%;
    transform: translateX(-50%);
    width: 0;
    height: 2px;
    background: linear-gradient(90deg, var(--accent-color), var(--accent-light));
    transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
    border-radius: 1px;
}

header nav a:hover {
    color: var(--primary-color);
}

header nav a:hover::after {
    width: 100%;
    left: 0;
    transform: translateX(0);
}

.header-auth {
    display: flex;
    gap: var(--spacing-sm);
    align-items: center;
}

.btn-login-header {
    background: linear-gradient(135deg, var(--primary-color) 0%, var(--primary-dark) 100%);
    color: white;
    border: none;
    padding: 13px 32px;
    border-radius: 8px;
    cursor: pointer;
    font-weight: 600;
    font-size: 15px;
    transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
    box-shadow: 0 2px 12px rgba(10, 39, 64, 0.2), inset 0 1px 0 rgba(255, 255, 255, 0.1);
    letter-spacing: 0.3px;
    min-width: 140px;
    position: relative;
    overflow: hidden;
}

.btn-login-header::before {
    content: '';
    position: absolute;
    top: 0;
    left: -100%;
    width: 100%;
    height: 100%;
    background: linear-gradient(90deg, transparent, rgba(255, 255, 255, 0.2), transparent);
    transition: left 0.5s ease;
}

.btn-login-header:hover::before {
    left: 100%;
}

.btn-login-header:hover {
    background: linear-gradient(135deg, var(--primary-dark) 0%, var(--primary-color) 100%);
    transform: translateY(-2px);
    box-shadow: 0 6px 20px rgba(10, 39, 64, 0.3), inset 0 1px 0 rgba(255, 255, 255, 0.15);
}

.btn-logout {
    background: transparent;
    color: var(--text-dark);
    border: 1.5px solid var(--border-color);
    padding: 11px 26px;
    border-radius: 8px;
    cursor: pointer;
    font-weight: 500;
    font-size: 15px;
    transition: all 0.25s cubic-bezier(0.4, 0, 0.2, 1);
    letter-spacing: 0.2px;
}

.btn-logout:hover {
    background: var(--bg-light);
    border-color: var(--text-light);
    transform: translateY(-1px);
    box-shadow: 0 2px 8px rgba(0, 0, 0, 0.08);
}

/* Hero Section */
.hero {
    background: var(--gradient-hero);
    color: white;
    padding: var(--spacing-xxxl) 40px;
    text-align: center;
    position: relative;
    overflow: hidden;
    min-height: 650px;
    display: flex;
    align-items: center;
    justify-content: center;
}

.hero::before {
    content: '';
    position: absolute;
    top: -50%;
    right: -20%;
    width: 800px;
    height: 800px;
    background: radial-gradient(circle, rgba(201, 169, 97, 0.15) 0%, transparent 70%);
    border-radius: 50%;
    animation: float 20s ease-in-out infinite;
}

.hero::after {
    content: '';
    position: absolute;
    bottom: -30%;
    left: -10%;
    width: 600px;
    height: 600px;
    background: radial-gradient(circle, rgba(201, 169, 97, 0.1) 0%, transparent 70%);
    border-radius: 50%;
    animation: float 15s ease-in-out infinite reverse;
}

@keyframes float {
    0%, 100% { transform: translate(0, 0) scale(1); }
    50% { transform: translate(30px, -30px) scale(1.1); }
}


.hero-content-wrapper {
    max-width: 1200px;
    margin: 0 auto;
    position: relative;
    z-index: 1;
    width: 100%;
}

.hero-logo-container {
    margin-bottom: var(--spacing-xl);
}

.hero-monogram {
    width: 100px;
    height: 100px;
    margin: 0 auto var(--spacing-md);
    font-size: 42px;
}

.logo-monogram {
    background: var(--accent-color);
    color: var(--primary-color);
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 700;
    font-family: 'Playfair Display', serif;
    border-radius: 12px;
    box-shadow: 0 8px 24px rgba(201, 169, 97, 0.3);
    transition: all 0.3s ease;
}

.hero-monogram:hover {
    transform: translateY(-4px) scale(1.05);
    box-shadow: 0 12px 32px rgba(201, 169, 97, 0.4);
}

.hero-logo-text {
    font-family: 'Playfair Display', serif;
    font-size: var(--font-xl);
    font-weight: 600;
    margin-bottom: var(--spacing-xl);
    line-height: 1.3;
    color: white;
}

.logo-text {
    font-family: 'Playfair Display', serif;
    color: white;
}

.logo-name {
    line-height: 1.15;
    letter-spacing: 2px;
    text-shadow: 0 2px 8px rgba(0, 0, 0, 0.2);
}

.hero-text h1 {
    font-family: 'Playfair Display', serif;
    font-size: var(--font-hero);
    font-weight: 700;
    margin-bottom: var(--spacing-md);
    line-height: 1.15;
    letter-spacing: -1px;
    max-width: 900px;
    margin-left: auto;
    margin-right: auto;
    color: white;
    text-shadow: 0 2px 20px rgba(0, 0, 0, 0.3),
                 0 4px 40px rgba(0, 0, 0, 0.2);
    animation: fadeInUp 0.8s ease-out;
}

@keyframes fadeInUp {
    from {
        opacity: 0;
        transform: translateY(30px);
    }
    to {
        opacity: 1;
        transform: translateY(0);
    }
}

.hero-subtitle {
    font-size: var(--font-md);
    margin-bottom: var(--spacing-xl);
    opacity: 0.95;
    max-width: 800px;
    margin-left: auto;
    margin-right: auto;
    line-height: 1.7;
    font-weight: 400;
    color: rgba(255, 255, 255, 0.95);
}

.hero-highlights {
    display: flex;
    justify-content: center;
    gap: var(--spacing-lg);
    margin-bottom: var(--spacing-xl);
    flex-wrap: wrap;
}

.hero-highlight-item {
    padding: var(--spacing-lg) var(--spacing-xl);
    background: rgba(255, 255, 255, 0.12);
    backdrop-filter: blur(12px) saturate(180%);
    -webkit-backdrop-filter: blur(12px) saturate(180%);
    border-radius: 14px;
    border: 1px solid rgba(255, 255, 255, 0.25);
    transition: all 0.4s cubic-bezier(0.4, 0, 0.2, 1);
    min-width: 280px;
    text-align: left;
    display: flex;
    flex-direction: column;
    gap: var(--spacing-sm);
    box-shadow: 0 4px 16px rgba(0, 0, 0, 0.1),
                inset 0 1px 0 rgba(255, 255, 255, 0.2);
    position: relative;
    overflow: hidden;
}

.hero-highlight-item::before {
    content: '';
    position: absolute;
    top: 0;
    left: -100%;
    width: 100%;
    height: 100%;
    background: linear-gradient(90deg, transparent, rgba(255, 255, 255, 0.1), transparent);
    transition: left 0.6s ease;
}

.hero-highlight-item:hover::before {
    left: 100%;
}

.hero-highlight-item:hover {
    background: rgba(255, 255, 255, 0.18);
    transform: translateY(-6px);
    box-shadow: 0 8px 32px rgba(0, 0, 0, 0.15),
                inset 0 1px 0 rgba(255, 255, 255, 0.3);
    border-color: rgba(255, 255, 255, 0.4);
}

.highlight-title {
    font-size: var(--font-lg);
    font-weight: 600;
    line-height: 1.4;
    color: white;
    margin: 0;
    padding: 0;
}

.hero-highlight-item strong {
    font-weight: 700;
    display: inline;
    color: white;
}

.highlight-sub {
    font-size: var(--font-sm);
    opacity: 0.95;
    line-height: 1.6;
    margin: 0;
    padding: 0;
    font-weight: 400;
    color: rgba(255, 255, 255, 0.95);
}

.buttons {
    display: flex;
    gap: var(--spacing-md);
    justify-content: center;
    flex-wrap: wrap;
    align-items: center;
    margin-top: var(--spacing-lg);
}

.btn-hero-primary,
.btn-hero-secondary {
    padding: 16px 36px;
    border-radius: 6px;
    text-decoration: none;
    font-weight: 600;
    font-size: var(--font-base);
    transition: all 0.3s ease;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    min-width: 220px;
    text-align: center;
    white-space: nowrap;
    letter-spacing: 0.3px;
}

.btn-hero-primary {
    background: linear-gradient(135deg, var(--accent-color) 0%, var(--accent-light) 100%);
    color: var(--primary-color);
    box-shadow: 0 6px 24px rgba(201, 169, 97, 0.45), 
                inset 0 1px 0 rgba(255, 255, 255, 0.4),
                0 0 0 1px rgba(10, 39, 64, 0.1);
    position: relative;
    overflow: hidden;
    font-weight: 700;
}

.btn-hero-primary::before {
    content: '';
    position: absolute;
    top: 0;
    left: -100%;
    width: 100%;
    height: 100%;
    background: linear-gradient(90deg, transparent, rgba(255, 255, 255, 0.4), transparent);
    transition: left 0.6s ease;
}

.btn-hero-primary:hover::before {
    left: 100%;
}

.btn-hero-primary:hover {
    background: linear-gradient(135deg, var(--accent-light) 0%, var(--accent-color) 100%);
    transform: translateY(-4px);
    box-shadow: 0 12px 36px rgba(201, 169, 97, 0.55), 
                inset 0 1px 0 rgba(255, 255, 255, 0.5),
                0 0 0 1px rgba(10, 39, 64, 0.15);
}

.btn-hero-secondary {
    background: transparent;
    color: white;
    border: 2px solid rgba(255, 255, 255, 0.9);
    backdrop-filter: blur(10px);
    -webkit-backdrop-filter: blur(10px);
}

.btn-hero-secondary:hover {
    background: rgba(255, 255, 255, 0.15);
    color: white;
    border-color: white;
    transform: translateY(-3px);
    box-shadow: 0 8px 24px rgba(255, 255, 255, 0.2);
}

/* Section Styles */
section {
    padding: var(--spacing-xxl) 40px;
    position: relative;
}

.section-title {
    font-family: 'Playfair Display', serif;
    font-size: var(--font-xxl);
    font-weight: 700;
    text-align: center;
    margin-bottom: 24px;
    color: var(--primary-color);
    position: relative;
    display: block;
    width: 100%;
    letter-spacing: -0.8px;
    line-height: 1.25;
}

.section-title::after {
    content: '';
    position: absolute;
    bottom: -18px;
    left: 50%;
    transform: translateX(-50%);
    width: 90px;
    height: 3px;
    background: linear-gradient(90deg, transparent 0%, var(--accent-color) 50%, transparent 100%);
    border-radius: 2px;
    box-shadow: 0 2px 8px rgba(201, 169, 97, 0.3);
}

.section-text {
    text-align: center;
    font-size: var(--font-md);
    color: var(--text-medium);
    margin-bottom: var(--spacing-xl);
    max-width: 800px;
    margin-left: auto;
    margin-right: auto;
    line-height: 1.75;
    font-weight: 400;
    letter-spacing: 0.01em;
}

/* About Section */
.about {
    background: var(--bg-light);
}

.about-content {
    display: grid;
    grid-template-columns: 1.2fr 1fr;
    gap: var(--spacing-xxl);
    align-items: start;
    margin-top: var(--spacing-xl);
    max-width: 1200px;
    margin-left: auto;
    margin-right: auto;
}

.about-text {
    max-width: 100%;
    padding-right: var(--spacing-lg);
}

.about-text p {
    margin-bottom: var(--spacing-lg);
    font-size: var(--font-base);
    line-height: 1.8;
    color: var(--text-medium);
}

.lead-text {
    font-size: var(--font-md);
    font-weight: 500;
    color: var(--text-dark);
    line-height: 1.8;
    margin-bottom: var(--spacing-lg);
}

.about-stats {
    display: grid;
    grid-template-columns: 1fr;
    gap: var(--spacing-md);
    position: sticky;
    top: 100px;
}

.stat-box {
    background: white;
    padding: var(--spacing-lg);
    border-radius: 12px;
    text-align: center;
    box-shadow: 0 2px 8px rgba(0, 0, 0, 0.06),
                0 0 0 1px rgba(0, 0, 0, 0.04);
    transition: all 0.4s cubic-bezier(0.4, 0, 0.2, 1);
    border: 1px solid var(--border-light);
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: flex-start;
    gap: var(--spacing-xs);
    position: relative;
    overflow: hidden;
}

.stat-box::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 3px;
    background: var(--gradient-accent);
    transform: scaleX(0);
    transform-origin: left;
    transition: transform 0.4s ease;
}

.stat-box:hover {
    transform: translateY(-6px);
    box-shadow: 0 12px 32px rgba(0, 0, 0, 0.1),
                0 0 0 1px rgba(201, 169, 97, 0.2);
    border-color: rgba(201, 169, 97, 0.3);
}

.stat-box:hover::before {
    transform: scaleX(1);
}

.stat-number {
    font-size: var(--font-xl);
    font-weight: 700;
    color: var(--primary-color);
    margin: 0;
    font-family: 'Playfair Display', serif;
    background: linear-gradient(135deg, var(--primary-color) 0%, var(--primary-light) 100%);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
    line-height: 1.2;
    text-align: center;
}

.stat-label {
    font-size: var(--font-sm);
    color: var(--text-light);
    text-transform: uppercase;
    letter-spacing: 1px;
    margin: 0;
    font-weight: 600;
    text-align: center;
}

.stat-description {
    font-size: var(--font-sm);
    color: var(--text-lighter);
    line-height: 1.5;
    margin: 0;
    font-weight: 400;
    text-align: center;
}

/* Services Section */
.services-cards {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(350px, 1fr));
    gap: var(--spacing-lg);
    align-items: stretch;
}

.card {
    background: white;
    border-radius: 16px;
    padding: var(--spacing-xl);
    box-shadow: 0 1px 3px rgba(0, 0, 0, 0.05),
                0 4px 12px rgba(0, 0, 0, 0.04),
                0 0 0 1px rgba(0, 0, 0, 0.03);
    transition: all 0.5s cubic-bezier(0.4, 0, 0.2, 1);
    border: 1px solid rgba(10, 39, 64, 0.06);
    position: relative;
    overflow: hidden;
    display: flex;
    flex-direction: column;
    height: 100%;
    background-image: 
        linear-gradient(to bottom, rgba(255, 255, 255, 0.95), rgba(255, 255, 255, 1)),
        radial-gradient(circle at top right, rgba(201, 169, 97, 0.03) 0%, transparent 50%);
}

.card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 4px;
    background: var(--gradient-accent);
    transform: scaleX(0);
    transform-origin: left;
    transition: transform 0.4s ease;
}

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

.card:hover {
    transform: translateY(-10px) scale(1.01);
    box-shadow: 0 20px 60px rgba(0, 0, 0, 0.12),
                0 0 0 1px rgba(201, 169, 97, 0.25),
                0 0 40px rgba(201, 169, 97, 0.1);
    border-color: rgba(201, 169, 97, 0.4);
    background-image: 
        linear-gradient(to bottom, rgba(255, 255, 255, 1), rgba(255, 255, 255, 1)),
        radial-gradient(circle at top right, rgba(201, 169, 97, 0.08) 0%, transparent 50%);
}

.service-icon {
    margin-bottom: var(--spacing-md);
    padding: var(--spacing-md);
    background: linear-gradient(135deg, rgba(201, 169, 97, 0.12) 0%, rgba(201, 169, 97, 0.06) 100%);
    border-radius: 14px;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    transition: all 0.4s cubic-bezier(0.4, 0, 0.2, 1);
    width: 70px;
    height: 70px;
    flex-shrink: 0;
    border: 1px solid rgba(201, 169, 97, 0.15);
    box-shadow: 0 2px 8px rgba(201, 169, 97, 0.1),
                inset 0 1px 0 rgba(255, 255, 255, 0.5);
}

.service-icon svg {
    display: block;
    margin: 0 auto;
}

.service-card:hover .service-icon {
    background: linear-gradient(135deg, rgba(201, 169, 97, 0.25) 0%, rgba(201, 169, 97, 0.15) 100%);
    transform: scale(1.08) rotate(5deg);
    box-shadow: 0 4px 16px rgba(201, 169, 97, 0.25),
                inset 0 1px 0 rgba(255, 255, 255, 0.6),
                0 0 20px rgba(201, 169, 97, 0.2);
    border-color: rgba(201, 169, 97, 0.3);
}

.service-card h3 {
    font-family: 'Playfair Display', serif;
    font-size: var(--font-lg);
    font-weight: 600;
    margin-bottom: var(--spacing-sm);
    color: var(--primary-color);
    line-height: 1.3;
}

.service-description {
    margin-bottom: var(--spacing-md);
    color: var(--text-light);
    line-height: 1.7;
    font-size: var(--font-base);
}

.service-features {
    list-style: none;
    margin-bottom: var(--spacing-md);
    flex-grow: 1;
}

.service-features li {
    padding: var(--spacing-xs) 0;
    padding-left: var(--spacing-md);
    position: relative;
    color: var(--text-dark);
    line-height: 1.7;
    font-size: var(--font-base);
    margin-bottom: var(--spacing-xs);
}

.service-features li::before {
    content: "✓";
    position: absolute;
    left: 0;
    color: var(--accent-color);
    font-weight: bold;
    font-size: 18px;
}

.service-highlight {
    background: linear-gradient(135deg, rgba(201, 169, 97, 0.1) 0%, rgba(201, 169, 97, 0.05) 100%);
    padding: var(--spacing-md);
    border-radius: 8px;
    margin-top: auto;
    font-size: var(--font-sm);
    border-left: 4px solid var(--accent-color);
    line-height: 1.6;
}

/* How It Works Section */
.how-it-works {
    background: var(--bg-light);
}

.how-it-works-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: var(--spacing-lg);
    margin-bottom: var(--spacing-xxl);
    align-items: start;
}

.how-item {
    text-align: center;
    display: flex;
    flex-direction: column;
    align-items: center;
    padding: var(--spacing-md);
}

.how-number {
    width: 60px;
    height: 60px;
    background: var(--gradient-accent);
    color: var(--primary-color);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: var(--font-lg);
    font-weight: 700;
    margin: 0 auto var(--spacing-md);
    font-family: 'Playfair Display', serif;
    box-shadow: 0 4px 16px rgba(201, 169, 97, 0.3);
    transition: all 0.3s ease;
    border: 3px solid rgba(255, 255, 255, 0.9);
    line-height: 1;
    text-align: center;
}

.how-item:hover .how-number {
    transform: scale(1.15) rotate(5deg);
    box-shadow: 0 8px 24px rgba(201, 169, 97, 0.4);
}

.how-item h3 {
    font-family: 'Playfair Display', serif;
    font-size: var(--font-lg);
    margin-bottom: var(--spacing-sm);
    color: var(--primary-color);
    line-height: 1.3;
}

.how-item p {
    color: var(--text-light);
    line-height: 1.7;
    font-size: var(--font-base);
    max-width: 90%;
    margin: 0 auto;
}

.benefits-section {
    margin-top: var(--spacing-xxl);
}

.benefits-title {
    font-family: 'Playfair Display', serif;
    font-size: var(--font-xl);
    text-align: center;
    margin-bottom: var(--spacing-xl);
    color: var(--primary-color);
    line-height: 1.3;
}

.benefits-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
    gap: var(--spacing-lg);
}

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

.benefit-icon {
    margin-bottom: var(--spacing-md);
    display: flex;
    align-items: center;
    justify-content: center;
    width: 100%;
}

.benefit-icon svg {
    display: block;
    margin: 0 auto;
}

.benefit-item h4 {
    font-size: var(--font-base);
    font-weight: 600;
    margin-bottom: var(--spacing-xs);
    color: var(--primary-color);
    line-height: 1.3;
}

.benefit-item p {
    font-size: var(--font-sm);
    color: var(--text-light);
    line-height: 1.6;
}

/* Application Form Section */
.application-form {
    background: var(--bg-light);
}

.application-info-box {
    background: linear-gradient(135deg, rgba(201, 169, 97, 0.05) 0%, rgba(10, 39, 64, 0.02) 100%);
    padding: var(--spacing-lg);
    border-radius: 12px;
    margin-bottom: var(--spacing-xl);
    box-shadow: var(--shadow);
    border: 1px solid var(--border-light);
    border-left: 4px solid var(--accent-color);
}

.application-info-box h4 {
    font-family: 'Playfair Display', serif;
    font-size: var(--font-lg);
    margin-bottom: var(--spacing-sm);
    color: var(--primary-color);
}

.application-info-box ul {
    margin: var(--spacing-md) 0;
    padding-left: var(--spacing-lg);
}

.application-info-box li {
    margin-bottom: var(--spacing-sm);
    line-height: 1.7;
    font-size: var(--font-base);
}

.info-note {
    margin-top: var(--spacing-md);
    font-style: italic;
    color: var(--text-light);
    font-size: var(--font-sm);
}

.application-container {
    background: white;
    padding: var(--spacing-xl);
    border-radius: 12px;
    box-shadow: var(--shadow-md);
    border: 1px solid var(--border-light);
    max-width: 900px;
    margin: 0 auto;
    width: 100%;
}

.progress-indicator {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: var(--spacing-xl);
    position: relative;
}

.progress-step {
    display: flex;
    flex-direction: column;
    align-items: center;
    flex: 1;
    position: relative;
}

.step-number {
    width: 48px;
    height: 48px;
    border-radius: 50%;
    background: var(--bg-light);
    color: var(--text-light);
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 600;
    font-size: var(--font-base);
    margin-bottom: var(--spacing-xs);
    border: 2px solid var(--border-color);
    line-height: 1;
    text-align: center;
    flex-shrink: 0;
}

.progress-step.active .step-number {
    background: var(--gradient-primary);
    color: white;
    border-color: var(--primary-color);
    box-shadow: 0 4px 12px rgba(10, 39, 64, 0.3);
    transform: scale(1.1);
}

.step-label {
    font-size: var(--font-xs);
    color: var(--text-light);
    text-align: center;
}

.progress-step.active .step-label {
    color: var(--primary-color);
    font-weight: 600;
}

.progress-line {
    position: absolute;
    top: 24px;
    left: 50%;
    right: -50%;
    height: 2px;
    background: var(--border-color);
    z-index: -1;
}

.progress-step:last-child .progress-line {
    display: none;
}

.form-step {
    display: none;
}

.form-step.active {
    display: block;
}

.form-step h3 {
    font-family: 'Playfair Display', serif;
    font-size: var(--font-xl);
    margin-bottom: var(--spacing-lg);
    color: var(--primary-color);
}

.form-group {
    margin-bottom: var(--spacing-md);
}

.form-group label {
    display: block;
    margin-bottom: var(--spacing-xs);
    font-weight: 500;
    color: var(--text-dark);
    font-size: var(--font-base);
}

.form-group input,
.form-group select,
.form-group textarea {
    width: 100%;
    padding: 12px 16px;
    border: 2px solid var(--border-color);
    border-radius: 6px;
    font-size: var(--font-base);
    font-family: inherit;
    transition: all 0.3s ease;
    background: var(--bg-white);
    line-height: 1.5;
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
    outline: none;
    border-color: var(--accent-color);
    box-shadow: 0 0 0 4px rgba(201, 169, 97, 0.12),
                0 2px 8px rgba(201, 169, 97, 0.1);
    transform: translateY(-1px);
    background: rgba(255, 255, 255, 1);
}

.form-group input:hover,
.form-group select:hover,
.form-group textarea:hover {
    border-color: var(--text-light);
}

.form-row {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
    gap: var(--spacing-md);
}

.form-actions {
    display: flex;
    gap: var(--spacing-sm);
    justify-content: flex-end;
    margin-top: var(--spacing-lg);
}

.btn-primary,
.btn-secondary {
    padding: 12px 24px;
    border: none;
    border-radius: 6px;
    font-size: var(--font-base);
    font-weight: 600;
    cursor: pointer;
    transition: all 0.3s ease;
    letter-spacing: 0.3px;
}

.btn-primary {
    background: linear-gradient(135deg, var(--primary-color) 0%, var(--primary-dark) 100%);
    color: white;
    box-shadow: 0 3px 12px rgba(10, 39, 64, 0.2), inset 0 1px 0 rgba(255, 255, 255, 0.1);
    position: relative;
    overflow: hidden;
}

.btn-primary::before {
    content: '';
    position: absolute;
    top: 0;
    left: -100%;
    width: 100%;
    height: 100%;
    background: linear-gradient(90deg, transparent, rgba(255, 255, 255, 0.15), transparent);
    transition: left 0.5s ease;
}

.btn-primary:hover::before {
    left: 100%;
}

.btn-primary:hover {
    background: linear-gradient(135deg, var(--primary-dark) 0%, var(--primary-color) 100%);
    transform: translateY(-2px);
    box-shadow: 0 6px 20px rgba(10, 39, 64, 0.35), inset 0 1px 0 rgba(255, 255, 255, 0.15);
}

.btn-secondary {
    background: transparent;
    color: var(--text-dark);
    border: 2px solid var(--border-color);
}

.btn-secondary:hover {
    background: var(--bg-light);
}

.upload-hint {
    font-size: var(--font-xs);
    color: var(--text-light);
    margin-top: var(--spacing-xs);
    margin-bottom: var(--spacing-xs);
}

.file-list {
    margin-top: var(--spacing-xs);
}

/* Login Overlay */
.login-overlay {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: rgba(0, 0, 0, 0.7);
    z-index: 2000;
    display: flex;
    align-items: center;
    justify-content: center;
    padding: 20px;
}

.login-container {
    background: white;
    border-radius: 12px;
    max-width: 550px;
    width: 100%;
    max-height: 90vh;
    overflow-y: auto;
    position: relative;
    box-shadow: var(--shadow-xl);
    border: 1px solid var(--border-light);
    animation: slideUp 0.3s ease;
}

@keyframes slideUp {
    from {
        opacity: 0;
        transform: translateY(20px);
    }
    to {
        opacity: 1;
        transform: translateY(0);
    }
}

.login-close-btn {
    position: absolute;
    top: 16px;
    right: 16px;
    background: none;
    border: none;
    font-size: 32px;
    cursor: pointer;
    color: var(--text-light);
    line-height: 1;
    width: 40px;
    height: 40px;
    display: flex;
    align-items: center;
    justify-content: center;
    border-radius: 6px;
    transition: background 0.3s ease;
}

.login-close-btn:hover {
    background: var(--bg-light);
}

.login-header {
    text-align: center;
    padding: var(--spacing-xl) var(--spacing-xl) var(--spacing-md);
}

.logo-container {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: var(--spacing-sm);
    margin-bottom: var(--spacing-md);
}

.login-header h2 {
    font-family: 'Playfair Display', serif;
    font-size: var(--font-xl);
    color: var(--primary-color);
    margin-bottom: var(--spacing-xs);
}

.login-subtitle {
    color: var(--text-light);
    font-size: var(--font-sm);
}

.login-tabs {
    display: flex;
    border-bottom: 1px solid var(--border-color);
    padding: 0 var(--spacing-lg);
}

.login-tab-btn {
    flex: 1;
    padding: var(--spacing-md);
    background: none;
    border: none;
    border-bottom: 2px solid transparent;
    cursor: pointer;
    font-weight: 500;
    color: var(--text-light);
    transition: all 0.3s ease;
    font-size: var(--font-base);
}

.login-tab-btn.active {
    color: var(--primary-color);
    border-bottom-color: var(--primary-color);
    font-weight: 600;
}

.login-tab-btn:hover {
    color: var(--primary-color);
    background: rgba(10, 39, 64, 0.05);
}

.login-tab-content {
    display: none;
    padding: var(--spacing-xl);
}

.login-tab-content.active {
    display: block;
}

.login-form {
    margin-top: var(--spacing-md);
}

.form-options {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: var(--spacing-md);
}

.checkbox-label {
    display: flex;
    align-items: center;
    gap: var(--spacing-xs);
    cursor: pointer;
    font-size: var(--font-sm);
}

.link-button {
    background: none;
    border: none;
    color: var(--primary-color);
    cursor: pointer;
    font-size: var(--font-sm);
    text-decoration: underline;
}

.login-demo-hint {
    margin-top: var(--spacing-md);
    padding: var(--spacing-md);
    background: var(--bg-light);
    border-radius: 6px;
    font-size: var(--font-xs);
    line-height: 1.6;
}

.login-demo-hint code {
    background: white;
    padding: 2px 6px;
    border-radius: 3px;
    font-family: monospace;
}

.login-admin-link {
    margin-top: var(--spacing-md);
    text-align: center;
}

.error-message,
.success-message {
    padding: var(--spacing-sm);
    border-radius: 6px;
    margin-bottom: var(--spacing-md);
    font-size: var(--font-sm);
    line-height: 1.5;
}

.error-message {
    background: #fee;
    color: var(--error-color);
    border: 1px solid #fcc;
}

.success-message {
    background: #efe;
    color: var(--success-color);
    border: 1px solid #cfc;
}

/* Client Portal */
.client-portal {
    background: var(--bg-light);
}

.portal-header {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: var(--spacing-lg);
}

.portal-header h2 {
    font-family: 'Playfair Display', serif;
    font-size: var(--font-xxl);
    color: var(--primary-color);
}

.portal-login-prompt {
    background: white;
    padding: var(--spacing-xxl);
    border-radius: 12px;
    text-align: center;
    box-shadow: var(--shadow);
}

.portal-prompt-content h3 {
    font-family: 'Playfair Display', serif;
    font-size: var(--font-xl);
    margin-bottom: var(--spacing-md);
    color: var(--primary-color);
}

.portal-tabs {
    display: flex;
    gap: var(--spacing-xs);
    margin-bottom: var(--spacing-lg);
    border-bottom: 1px solid var(--border-color);
}

.tab-btn {
    padding: var(--spacing-md) var(--spacing-lg);
    background: none;
    border: none;
    border-bottom: 2px solid transparent;
    cursor: pointer;
    font-weight: 500;
    color: var(--text-light);
    transition: all 0.3s ease;
    font-size: var(--font-base);
}

.tab-btn.active {
    color: var(--primary-color);
    border-bottom-color: var(--primary-color);
    font-weight: 600;
}

.tab-btn:hover {
    color: var(--primary-color);
    background: rgba(10, 39, 64, 0.05);
}

.tab-content {
    display: none;
}

.tab-content.active {
    display: block;
}

.dashboard-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
    gap: var(--spacing-md);
    align-items: start;
}

.dashboard-card {
    background: white;
    padding: var(--spacing-lg);
    border-radius: 14px;
    box-shadow: 0 2px 8px rgba(0, 0, 0, 0.06),
                0 0 0 1px rgba(0, 0, 0, 0.04);
    border: 1px solid var(--border-light);
    transition: all 0.4s cubic-bezier(0.4, 0, 0.2, 1);
    display: flex;
    flex-direction: column;
    position: relative;
    overflow: hidden;
}

.dashboard-card::after {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 2px;
    background: var(--gradient-accent);
    transform: scaleX(0);
    transform-origin: left;
    transition: transform 0.4s ease;
}

.dashboard-card:hover {
    box-shadow: 0 8px 24px rgba(0, 0, 0, 0.1),
                0 0 0 1px rgba(201, 169, 97, 0.15);
    transform: translateY(-4px);
}

.dashboard-card:hover::after {
    transform: scaleX(1);
}

.dashboard-card h3 {
    font-family: 'Playfair Display', serif;
    font-size: var(--font-lg);
    margin-bottom: var(--spacing-md);
    color: var(--primary-color);
}

.summary-stats {
    display: grid;
    gap: var(--spacing-md);
}

.stat-item {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding-bottom: var(--spacing-md);
    border-bottom: 1px solid var(--border-color);
}

.stat-item:last-child {
    border-bottom: none;
    padding-bottom: 0;
}

.stat-value {
    font-size: var(--font-lg);
    font-weight: 600;
    color: var(--primary-color);
    font-family: 'Playfair Display', serif;
}

.credit-available {
    color: var(--success-color);
}

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

.schedule-table th,
.schedule-table td {
    padding: var(--spacing-sm);
    text-align: left;
    border-bottom: 1px solid var(--border-color);
}

.schedule-table th {
    font-weight: 600;
    color: var(--text-light);
    font-size: var(--font-xs);
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

.action-buttons {
    display: flex;
    flex-direction: column;
    gap: var(--spacing-sm);
}

/* Contact Section */
.contact {
    background: white;
}

.contact-info {
    display: flex;
    flex-direction: column;
    gap: var(--spacing-md);
    max-width: 600px;
    margin: 0 auto;
    text-align: center;
    background: var(--bg-lighter);
    padding: var(--spacing-xl);
    border-radius: 12px;
    box-shadow: var(--shadow);
    align-items: center;
}

.contact-item {
    font-size: var(--font-base);
    line-height: 1.7;
    padding: var(--spacing-sm);
    transition: all 0.3s ease;
    width: 100%;
}

.contact-item:hover {
    transform: translateY(-2px);
}

.contact-item strong {
    color: var(--primary-color);
}

/* Footer */
footer {
    background: var(--gradient-primary);
    color: white;
    padding: var(--spacing-xl) var(--spacing-xl);
    text-align: center;
    border-top: 1px solid rgba(255, 255, 255, 0.1);
    position: relative;
    overflow: hidden;
}

footer::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 1px;
    background: linear-gradient(90deg, 
        transparent 0%, 
        rgba(201, 169, 97, 0.5) 50%, 
        transparent 100%);
}

.footer-logo {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: var(--spacing-sm);
    margin-bottom: var(--spacing-md);
}

.footer-monogram {
    background: linear-gradient(135deg, var(--accent-color) 0%, var(--accent-light) 100%);
    color: var(--primary-color);
    box-shadow: 0 4px 16px rgba(201, 169, 97, 0.25);
}

.footer-logo-text {
    color: white;
}

footer p {
    margin-bottom: var(--spacing-xs);
    opacity: 0.9;
    font-size: var(--font-base);
}

.footer-disclaimer {
    font-size: var(--font-xs);
    opacity: 0.7;
    margin-top: var(--spacing-md);
}

/* Admin Portal Styles */
.admin-content {
    max-width: 1400px;
    margin: 0 auto;
}

.admin-section-header {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: var(--spacing-lg);
}

.admin-section-header h3 {
    font-size: var(--font-xl);
    font-weight: 600;
    color: var(--primary-color);
    font-family: 'Playfair Display', serif;
}

.merchants-list,
.applications-list {
    display: grid;
    grid-template-columns: repeat(auto-fill, minmax(400px, 1fr));
    gap: var(--spacing-md);
}

.merchant-card,
.application-card {
    background: white;
    border: 1px solid var(--border-color);
    border-radius: 10px;
    padding: var(--spacing-lg);
    box-shadow: var(--shadow);
    transition: all 0.3s ease;
}

.merchant-card:hover,
.application-card:hover {
    box-shadow: var(--shadow-md);
    transform: translateY(-2px);
}

.merchant-header,
.application-header {
    display: flex;
    justify-content: space-between;
    align-items: start;
    margin-bottom: var(--spacing-md);
    padding-bottom: var(--spacing-md);
    border-bottom: 1px solid var(--border-light);
}

.merchant-header h4,
.application-header h4 {
    font-size: var(--font-lg);
    font-weight: 600;
    color: var(--primary-color);
    margin-bottom: var(--spacing-xs);
}

.merchant-email {
    font-size: var(--font-sm);
    color: var(--text-light);
}

.merchant-status,
.application-status {
    padding: 6px 12px;
    border-radius: 6px;
    font-size: var(--font-xs);
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

.status-active {
    background: #e8f5e9;
    color: #2e7d32;
}

.status-pending {
    background: #fff3e0;
    color: #f57c00;
}

.status-suspended {
    background: #ffebee;
    color: #c62828;
}

.merchant-details {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: var(--spacing-md);
    margin-bottom: var(--spacing-md);
}

.merchant-detail-item {
    display: flex;
    flex-direction: column;
    gap: var(--spacing-xs);
}

.detail-label {
    font-size: var(--font-xs);
    color: var(--text-light);
    text-transform: uppercase;
    letter-spacing: 0.5px;
    font-weight: 600;
}

.detail-value {
    font-size: var(--font-base);
    font-weight: 600;
    color: var(--text-dark);
}

.merchant-actions,
.application-actions {
    display: flex;
    gap: var(--spacing-sm);
    margin-top: var(--spacing-md);
}

.btn-small {
    padding: 8px 16px;
    font-size: var(--font-sm);
}

/* Modal Styles */
.modal-overlay {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: rgba(0, 0, 0, 0.6);
    z-index: 3000;
    display: flex;
    align-items: center;
    justify-content: center;
    padding: 20px;
}

.modal-container {
    background: white;
    border-radius: 12px;
    max-width: 600px;
    width: 100%;
    max-height: 90vh;
    overflow-y: auto;
    box-shadow: var(--shadow-xl);
}

.modal-header {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: var(--spacing-lg);
    border-bottom: 1px solid var(--border-light);
}

.modal-header h3 {
    font-size: var(--font-xl);
    font-weight: 600;
    color: var(--primary-color);
    font-family: 'Playfair Display', serif;
}

.modal-close {
    background: none;
    border: none;
    font-size: 28px;
    cursor: pointer;
    color: var(--text-light);
    width: 36px;
    height: 36px;
    display: flex;
    align-items: center;
    justify-content: center;
    border-radius: 6px;
    transition: all 0.2s ease;
}

.modal-close:hover {
    background: var(--bg-light);
    color: var(--text-dark);
}

.modal-form {
    padding: var(--spacing-lg);
}

.modal-actions {
    display: flex;
    justify-content: flex-end;
    gap: var(--spacing-sm);
    margin-top: var(--spacing-lg);
    padding-top: var(--spacing-lg);
    border-top: 1px solid var(--border-light);
}

.empty-state {
    text-align: center;
    padding: var(--spacing-xxl) var(--spacing-md);
    color: var(--text-light);
    font-size: var(--font-base);
}

.admin-tabs {
    display: flex;
    gap: var(--spacing-xs);
    margin-bottom: var(--spacing-lg);
    border-bottom: 2px solid var(--border-light);
}

/* Responsive Design */
@media (max-width: 768px) {
    header .container {
        flex-direction: column;
        gap: var(--spacing-sm);
        padding: var(--spacing-md);
    }

    header nav {
        flex-wrap: wrap;
        justify-content: center;
        gap: var(--spacing-sm);
    }

    .hero {
        padding: var(--spacing-xl) 20px;
        min-height: auto;
    }

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

    .hero-subtitle {
        font-size: var(--font-base);
    }

    .hero-highlights {
        flex-direction: column;
        gap: var(--spacing-md);
    }

    .hero-highlight-item {
        min-width: 100%;
    }

    .about-content {
        grid-template-columns: 1fr;
        gap: var(--spacing-lg);
        max-width: 100%;
    }

    .about-text {
        padding-right: 0;
    }

    .about-stats {
        position: static;
        grid-template-columns: repeat(2, 1fr);
    }

    .section-title {
        font-size: var(--font-xl);
    }

    section {
        padding: var(--spacing-xl) 20px;
    }

    .application-container {
        padding: var(--spacing-md);
    }

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

    .progress-indicator {
        flex-wrap: wrap;
    }

    .progress-line {
        display: none;
    }

    .form-row {
        grid-template-columns: 1fr;
    }

    .merchants-list,
    .applications-list {
        grid-template-columns: 1fr;
    }

    .container {
        padding: 0 20px;
    }
}