/* ==========================================================================
   ApexTrust Microfinance Bank - Modern Theme Stylesheet
   Theme Color: Vibrant Orange (#f97316, #ea580c, #c2410c)
   ========================================================================== */

/* --- CSS Variables & Design Tokens --- */
:root {
    --primary-orange: #f97316;
    --primary-orange-hover: #ea580c;
    --primary-orange-dark: #c2410c;
    --primary-orange-light: #fff7ed;
    --primary-orange-glow: rgba(249, 115, 22, 0.25);
    
    --dark-navy: #0f172a;
    --dark-card: #1e293b;
    --slate-text: #334155;
    --slate-muted: #64748b;
    
    --bg-warm-light: #faf8f5;
    --bg-white: #ffffff;
    --border-light: #e2e8f0;
    --border-orange: #fed7aa;
    
    --green-success: #10b981;
    --green-light: #ecfdf5;
    
    --font-main: 'Plus Jakarta Sans', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
    --shadow-sm: 0 2px 4px rgba(15, 23, 42, 0.04);
    --shadow-md: 0 8px 16px -4px rgba(15, 23, 42, 0.08);
    --shadow-lg: 0 20px 30px -8px rgba(249, 115, 22, 0.12);
    --shadow-card: 0 10px 25px -5px rgba(15, 23, 42, 0.05);

    --radius-sm: 8px;
    --radius-md: 14px;
    --radius-lg: 20px;
    --radius-full: 9999px;
    
    --transition: all 0.3s cubic-bezier(0.16, 1, 0.3, 1);
}

/* --- Global Resets & Typography --- */
*, *::before, *::after {
    box-sizing: border-box;
    margin: 0;
    padding: 0;
}

html {
    scroll-behavior: smooth;
    font-size: 16px;
}

body {
    font-family: var(--font-main);
    background-color: var(--bg-warm-light);
    color: var(--slate-text);
    line-height: 1.6;
    overflow-x: hidden;
    -webkit-font-smoothing: antialiased;
}

a {
    color: inherit;
    text-decoration: none;
}

ul {
    list-style: none;
}

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

.container {
    width: 100%;
    max-width: 1240px;
    margin: 0 auto;
    padding: 0 1.5rem;
}

.section {
    padding: 5rem 0;
    position: relative;
}

.text-center { text-align: center; }
.text-orange { color: var(--primary-orange) !important; }
.text-green { color: var(--green-success) !important; }
.hidden { display: none !important; }

/* --- Buttons & UI Elements --- */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 0.5rem;
    padding: 0.75rem 1.5rem;
    font-family: var(--font-main);
    font-size: 0.95rem;
    font-weight: 600;
    border-radius: var(--radius-full);
    border: 2px solid transparent;
    cursor: pointer;
    transition: var(--transition);
    white-space: nowrap;
}

.btn-primary {
    background-color: var(--primary-orange);
    color: #ffffff;
    box-shadow: 0 4px 14px var(--primary-orange-glow);
}

.btn-primary:hover {
    background-color: var(--primary-orange-hover);
    transform: translateY(-2px);
    box-shadow: 0 8px 20px rgba(234, 88, 12, 0.35);
}

.btn-secondary {
    background-color: #ffffff;
    color: var(--dark-navy);
    border-color: var(--border-light);
}

.btn-secondary:hover {
    border-color: var(--primary-orange);
    color: var(--primary-orange);
    transform: translateY(-2px);
}

.btn-outline {
    background: transparent;
    border-color: rgba(249, 115, 22, 0.4);
    color: var(--dark-navy);
}

.btn-outline:hover {
    border-color: var(--primary-orange);
    background-color: var(--primary-orange-light);
    color: var(--primary-orange-dark);
}

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

.btn-outline-primary:hover {
    background-color: var(--primary-orange);
    color: #ffffff;
}

.btn-lg {
    padding: 0.95rem 2rem;
    font-size: 1.05rem;
}

.btn-block {
    width: 100%;
}

.section-tag {
    display: inline-block;
    padding: 0.35rem 1rem;
    background-color: var(--primary-orange-light);
    color: var(--primary-orange-dark);
    font-size: 0.85rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 1px;
    border-radius: var(--radius-full);
    margin-bottom: 0.75rem;
    border: 1px solid var(--border-orange);
}

.section-tag.light {
    background-color: rgba(255, 255, 255, 0.15);
    color: #ffffff;
    border-color: rgba(255, 255, 255, 0.25);
}

.section-title {
    font-size: 2.3rem;
    font-weight: 800;
    color: var(--dark-navy);
    line-height: 1.25;
    margin-bottom: 1rem;
}

.section-desc {
    font-size: 1.05rem;
    color: var(--slate-muted);
    max-width: 650px;
    margin: 0 auto 2.5rem auto;
}

/* --- Top Announcement Bar --- */
.top-bar {
    background-color: var(--dark-navy);
    color: #94a3b8;
    font-size: 0.825rem;
    padding: 0.5rem 0;
    border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}

.top-bar-content {
    display: flex;
    justify-content: space-between;
    align-items: center;
    flex-wrap: wrap;
    gap: 0.5rem;
}

.top-info {
    display: flex;
    gap: 1.5rem;
    align-items: center;
}

.top-info span {
    display: flex;
    align-items: center;
    gap: 0.4rem;
}

.badge-regulatory {
    background-color: rgba(249, 115, 22, 0.15);
    color: #fdba74;
    padding: 0.2rem 0.6rem;
    border-radius: var(--radius-sm);
    display: inline-flex;
    align-items: center;
    gap: 0.35rem;
    font-weight: 600;
}

/* --- Header & Navigation Bar --- */
.navbar-header {
    position: sticky;
    top: 0;
    z-index: 1000;
    background-color: rgba(255, 255, 255, 0.94);
    backdrop-filter: blur(12px);
    border-bottom: 1px solid var(--border-light);
    transition: var(--transition);
}

.navbar-header.scrolled {
    box-shadow: var(--shadow-md);
}

.navbar-container {
    display: flex;
    align-items: center;
    justify-content: space-between;
    height: 75px;
}

.brand-logo {
    display: flex;
    align-items: center;
    gap: 0.75rem;
}

.logo-icon {
    width: 44px;
    height: 44px;
    background: linear-gradient(135deg, var(--primary-orange), var(--primary-orange-dark));
    border-radius: 12px;
    display: flex;
    align-items: center;
    justify-content: center;
    color: #ffffff;
    box-shadow: 0 4px 10px var(--primary-orange-glow);
}

.logo-icon.small {
    width: 36px;
    height: 36px;
    border-radius: 8px;
}

.logo-text {
    display: flex;
    flex-direction: column;
}

.logo-title {
    font-size: 1.35rem;
    font-weight: 800;
    color: var(--dark-navy);
    line-height: 1;
}

.logo-title.white { color: #ffffff; }

.logo-subtitle {
    font-size: 0.65rem;
    font-weight: 700;
    color: var(--primary-orange);
    letter-spacing: 1.5px;
    line-height: 1.2;
}

.nav-menu {
    display: flex;
    align-items: center;
}

.nav-list {
    display: flex;
    gap: 2rem;
}

.nav-link {
    font-weight: 600;
    color: var(--slate-text);
    font-size: 0.95rem;
    padding: 0.5rem 0;
    position: relative;
    transition: var(--transition);
}

.nav-link:hover, .nav-link.active {
    color: var(--primary-orange);
}

.nav-link::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    width: 0;
    height: 2.5px;
    background-color: var(--primary-orange);
    border-radius: 2px;
    transition: var(--transition);
}

.nav-link:hover::after, .nav-link.active::after {
    width: 100%;
}

.nav-actions {
    display: flex;
    align-items: center;
    gap: 1rem;
    position: relative;
}

.hamburger-btn {
    display: none;
    flex-direction: column;
    justify-content: space-around;
    width: 30px;
    height: 24px;
    background: transparent;
    border: none;
    cursor: pointer;
    z-index: 1100;
}

.hamburger-btn span {
    width: 100%;
    height: 3px;
    background-color: var(--dark-navy);
    border-radius: 2px;
    transition: var(--transition);
}

.hamburger-btn.active span:nth-child(1) {
    transform: rotate(45deg) translate(5px, 6px);
}
.hamburger-btn.active span:nth-child(2) {
    opacity: 0;
}
.hamburger-btn.active span:nth-child(3) {
    transform: rotate(-45deg) translate(5px, -6px);
}

/* Internet Banking Dropdown */
.banking-dropdown {
    position: absolute;
    top: calc(100% + 12px);
    right: 140px;
    width: 310px;
    background: #ffffff;
    border-radius: var(--radius-md);
    box-shadow: 0 15px 35px rgba(15, 23, 42, 0.15);
    border: 1px solid var(--border-light);
    padding: 0.75rem;
    opacity: 0;
    visibility: hidden;
    transform: translateY(10px);
    transition: var(--transition);
    z-index: 1050;
}

.banking-dropdown.show {
    opacity: 1;
    visibility: visible;
    transform: translateY(0);
}

.dropdown-header {
    font-size: 0.75rem;
    font-weight: 700;
    text-transform: uppercase;
    color: var(--slate-muted);
    padding: 0.5rem 0.75rem;
    letter-spacing: 0.5px;
}

.dropdown-item {
    display: flex;
    align-items: flex-start;
    gap: 0.75rem;
    padding: 0.75rem;
    border-radius: var(--radius-sm);
    transition: var(--transition);
}

.dropdown-item:hover {
    background-color: var(--primary-orange-light);
    color: var(--primary-orange-dark);
}

.dropdown-item svg {
    color: var(--primary-orange);
    margin-top: 2px;
    flex-shrink: 0;
}

.dropdown-item strong {
    display: block;
    font-size: 0.9rem;
    color: var(--dark-navy);
}

.dropdown-item p {
    font-size: 0.75rem;
    color: var(--slate-muted);
}

/* --- Hero Section --- */
.hero-section {
    position: relative;
    padding: 5rem 0 6rem 0;
    background: linear-gradient(180deg, #fffaf5 0%, #faf5ef 100%);
    overflow: hidden;
}

.hero-bg-shapes .shape {
    position: absolute;
    border-radius: 50%;
    filter: blur(80px);
    pointer-events: none;
}

.shape-1 {
    top: -100px;
    right: -100px;
    width: 450px;
    height: 450px;
    background: rgba(249, 115, 22, 0.15);
}

.shape-2 {
    bottom: -150px;
    left: -100px;
    width: 500px;
    height: 500px;
    background: rgba(251, 146, 60, 0.12);
}

.shape-3 {
    top: 40%;
    left: 45%;
    width: 300px;
    height: 300px;
    background: rgba(249, 115, 22, 0.08);
}

.hero-container {
    display: grid;
    grid-template-columns: 1.2fr 0.8fr;
    gap: 3.5rem;
    align-items: center;
    position: relative;
    z-index: 2;
}

.hero-badge {
    display: inline-flex;
    align-items: center;
    gap: 0.5rem;
    padding: 0.4rem 1rem;
    background-color: #ffffff;
    border: 1px solid var(--border-orange);
    border-radius: var(--radius-full);
    font-size: 0.85rem;
    font-weight: 700;
    color: var(--primary-orange-dark);
    margin-bottom: 1.5rem;
    box-shadow: var(--shadow-sm);
}

.pulse-dot {
    width: 8px;
    height: 8px;
    background-color: var(--primary-orange);
    border-radius: 50%;
    box-shadow: 0 0 0 0 rgba(249, 115, 22, 0.7);
    animation: pulse 1.8s infinite;
}

@keyframes pulse {
    0% { box-shadow: 0 0 0 0 rgba(249, 115, 22, 0.7); }
    70% { box-shadow: 0 0 0 8px rgba(249, 115, 22, 0); }
    100% { box-shadow: 0 0 0 0 rgba(249, 115, 22, 0); }
}

.hero-title {
    font-size: 3.4rem;
    font-weight: 800;
    color: var(--dark-navy);
    line-height: 1.15;
    margin-bottom: 1.25rem;
    letter-spacing: -0.5px;
}

.highlight-orange {
    color: var(--primary-orange);
    background: linear-gradient(120deg, rgba(249, 115, 22, 0.15) 0%, rgba(249, 115, 22, 0.05) 100%);
    padding: 0 0.4rem;
    border-radius: 6px;
}

.hero-description {
    font-size: 1.15rem;
    color: var(--slate-muted);
    margin-bottom: 2.25rem;
    max-width: 90%;
    line-height: 1.6;
}

.hero-buttons {
    display: flex;
    gap: 1.2rem;
    margin-bottom: 3rem;
    flex-wrap: wrap;
}

.hero-trust-indicators {
    display: flex;
    align-items: center;
    gap: 2rem;
    padding-top: 1.5rem;
    border-top: 1px solid rgba(0, 0, 0, 0.08);
}

.trust-item {
    display: flex;
    flex-direction: column;
}

.trust-number {
    font-size: 1.6rem;
    font-weight: 800;
    color: var(--dark-navy);
}

.trust-label {
    font-size: 0.8rem;
    font-weight: 600;
    color: var(--slate-muted);
}

.trust-divider {
    width: 1px;
    height: 35px;
    background-color: rgba(0, 0, 0, 0.1);
}

/* Quick Loan Widget (Hero Card) */
.hero-widget-card {
    background: #ffffff;
    border-radius: var(--radius-lg);
    padding: 2rem;
    box-shadow: 0 20px 40px -10px rgba(15, 23, 42, 0.1);
    border: 1px solid rgba(249, 115, 22, 0.2);
    position: relative;
}

.hero-widget-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 6px;
    background: linear-gradient(90deg, var(--primary-orange), var(--primary-orange-hover));
    border-radius: var(--radius-lg) var(--radius-lg) 0 0;
}

.widget-header {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 1.5rem;
}

.widget-header h3 {
    font-size: 1.2rem;
    font-weight: 700;
    color: var(--dark-navy);
}

.widget-tag {
    font-size: 0.75rem;
    font-weight: 700;
    background-color: var(--green-light);
    color: var(--green-success);
    padding: 0.25rem 0.6rem;
    border-radius: var(--radius-sm);
}

.quick-preset-chips {
    display: flex;
    gap: 0.5rem;
    margin-bottom: 1.5rem;
}

.preset-chip {
    flex: 1;
    padding: 0.5rem 0.25rem;
    font-size: 0.825rem;
    font-weight: 600;
    border: 1px solid var(--border-light);
    background-color: var(--bg-warm-light);
    color: var(--slate-text);
    border-radius: var(--radius-sm);
    cursor: pointer;
    transition: var(--transition);
    text-align: center;
}

.preset-chip:hover, .preset-chip.active {
    background-color: var(--primary-orange-light);
    border-color: var(--primary-orange);
    color: var(--primary-orange-dark);
}

.widget-field {
    margin-bottom: 1.25rem;
}

.widget-field label {
    display: block;
    font-size: 0.85rem;
    font-weight: 600;
    color: var(--slate-muted);
    margin-bottom: 0.35rem;
}

.amount-val-display {
    font-size: 1.8rem;
    font-weight: 800;
    color: var(--primary-orange-dark);
}

.tenure-badge-group {
    display: flex;
    justify-content: space-between;
    align-items: center;
}

.tenure-badge {
    font-size: 0.95rem;
    font-weight: 700;
    color: var(--dark-navy);
}

.rate-badge {
    font-size: 0.8rem;
    color: var(--slate-muted);
    background: #f1f5f9;
    padding: 0.2rem 0.6rem;
    border-radius: 4px;
}

.widget-summary {
    background-color: var(--bg-warm-light);
    border-radius: var(--radius-sm);
    padding: 1rem;
    margin-bottom: 1.5rem;
}

.summary-row {
    display: flex;
    justify-content: space-between;
    font-size: 0.9rem;
    margin-bottom: 0.4rem;
}

.summary-row:last-child {
    margin-bottom: 0;
    padding-top: 0.4rem;
    border-top: 1px dashed var(--border-light);
}

.summary-row strong {
    color: var(--dark-navy);
}

.widget-note {
    font-size: 0.78rem;
    color: var(--slate-muted);
    text-align: center;
    margin-top: 0.85rem;
}

/* --- Key Highlights Grid Section --- */
.highlights-section {
    background-color: #ffffff;
    border-top: 1px solid var(--border-light);
    border-bottom: 1px solid var(--border-light);
    padding: 3.5rem 0;
}

.highlights-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 2rem;
}

.highlight-card {
    padding: 1.5rem;
    border-radius: var(--radius-md);
    background-color: var(--bg-warm-light);
    border: 1px solid rgba(0, 0, 0, 0.04);
    transition: var(--transition);
}

.highlight-card:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-md);
    background-color: #ffffff;
    border-color: var(--border-orange);
}

.card-icon {
    width: 48px;
    height: 48px;
    background-color: var(--primary-orange-light);
    color: var(--primary-orange);
    border-radius: 12px;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 1.2rem;
}

.highlight-card h4 {
    font-size: 1.1rem;
    font-weight: 700;
    color: var(--dark-navy);
    margin-bottom: 0.5rem;
}

.highlight-card p {
    font-size: 0.9rem;
    color: var(--slate-muted);
    line-height: 1.5;
}

/* --- About Us Section --- */
.about-container {
    display: grid;
    grid-template-columns: 1fr 1.1fr;
    gap: 4rem;
    align-items: center;
}

.about-image-wrapper {
    position: relative;
}

.about-img-box {
    position: relative;
    width: 100%;
    height: 420px;
    background: linear-gradient(135deg, var(--dark-navy), var(--dark-card));
    border-radius: var(--radius-lg);
    overflow: hidden;
    display: flex;
    align-items: center;
    justify-content: center;
    box-shadow: var(--shadow-lg);
}

.about-badge-floating {
    position: absolute;
    bottom: 2rem;
    left: 2rem;
    background: rgba(255, 255, 255, 0.95);
    backdrop-filter: blur(8px);
    padding: 1rem 1.25rem;
    border-radius: var(--radius-md);
    display: flex;
    align-items: center;
    gap: 1rem;
    box-shadow: var(--shadow-md);
    border: 1px solid var(--border-light);
}

.badge-icon {
    font-size: 1.8rem;
}

.about-badge-floating strong {
    display: block;
    font-size: 0.95rem;
    color: var(--dark-navy);
}

.about-badge-floating p {
    font-size: 0.78rem;
    color: var(--slate-muted);
}

.about-card-graphic {
    color: rgba(255, 255, 255, 0.3);
    text-align: center;
}

.graphic-line {
    width: 120px;
    height: 4px;
    background: var(--primary-orange);
    margin: 0 auto 1.5rem auto;
    border-radius: 2px;
}

.graphic-text {
    font-size: 1.4rem;
    font-weight: 700;
    color: #ffffff;
    letter-spacing: 0.5px;
}

.about-features-list {
    display: flex;
    flex-direction: column;
    gap: 1.25rem;
    margin: 2rem 0;
}

.feature-item {
    display: flex;
    align-items: flex-start;
    gap: 1rem;
}

.check-icon {
    width: 28px;
    height: 28px;
    background-color: var(--primary-orange-light);
    color: var(--primary-orange-dark);
    font-weight: 800;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    font-size: 0.9rem;
    margin-top: 2px;
}

.feature-item strong {
    font-size: 1.05rem;
    color: var(--dark-navy);
    display: block;
    margin-bottom: 0.2rem;
}

.feature-item p {
    font-size: 0.925rem;
    color: var(--slate-muted);
}

.about-cta {
    display: flex;
    align-items: center;
    gap: 1.5rem;
    margin-top: 2.5rem;
}

.link-btn {
    font-weight: 700;
    color: var(--primary-orange);
    transition: var(--transition);
}

.link-btn:hover {
    color: var(--primary-orange-dark);
    transform: translateX(4px);
}

/* --- Services Grid Section --- */
.services-section {
    background-color: #ffffff;
}

.services-tab-group {
    display: flex;
    justify-content: center;
    gap: 0.75rem;
    margin-bottom: 3rem;
    flex-wrap: wrap;
}

.tab-btn {
    padding: 0.6rem 1.4rem;
    font-family: var(--font-main);
    font-size: 0.9rem;
    font-weight: 600;
    border-radius: var(--radius-full);
    border: 1px solid var(--border-light);
    background-color: var(--bg-warm-light);
    color: var(--slate-text);
    cursor: pointer;
    transition: var(--transition);
}

.tab-btn:hover, .tab-btn.active {
    background-color: var(--primary-orange);
    color: #ffffff;
    border-color: var(--primary-orange);
    box-shadow: 0 4px 12px var(--primary-orange-glow);
}

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

.service-card {
    background: var(--bg-warm-light);
    border-radius: var(--radius-md);
    padding: 2.25rem 2rem;
    border: 1px solid var(--border-light);
    position: relative;
    display: flex;
    flex-direction: column;
    transition: var(--transition);
}

.service-card:hover {
    transform: translateY(-8px);
    box-shadow: var(--shadow-lg);
    background: #ffffff;
    border-color: var(--border-orange);
}

.service-tag {
    position: absolute;
    top: 1.5rem;
    right: 1.5rem;
    font-size: 0.75rem;
    font-weight: 700;
    background-color: var(--primary-orange-light);
    color: var(--primary-orange-dark);
    padding: 0.2rem 0.6rem;
    border-radius: var(--radius-sm);
}

.service-tag.highlight {
    background-color: #fef3c7;
    color: #b45309;
}

.service-icon-box {
    width: 56px;
    height: 56px;
    background-color: var(--primary-orange-light);
    color: var(--primary-orange);
    border-radius: 14px;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 1.5rem;
}

.service-card h3 {
    font-size: 1.3rem;
    font-weight: 700;
    color: var(--dark-navy);
    margin-bottom: 0.75rem;
}

.service-card p {
    font-size: 0.925rem;
    color: var(--slate-muted);
    margin-bottom: 1.5rem;
    line-height: 1.5;
}

.service-features {
    margin-bottom: 2rem;
    margin-top: auto;
}

.service-features li {
    font-size: 0.875rem;
    color: var(--slate-text);
    padding: 0.4rem 0;
    display: flex;
    align-items: center;
    gap: 0.5rem;
}

.service-features li::before {
    content: '•';
    color: var(--primary-orange);
    font-size: 1.2rem;
    font-weight: bold;
}

/* --- Interactive Calculator Section --- */
.calculator-section {
    background: linear-gradient(180deg, #faf5ef 0%, #fdf8f3 100%);
}

.calc-wrapper {
    background: #ffffff;
    border-radius: var(--radius-lg);
    padding: 3rem;
    box-shadow: 0 20px 50px -10px rgba(15, 23, 42, 0.08);
    border: 1px solid var(--border-light);
}

.calc-header {
    display: flex;
    justify-content: space-between;
    align-items: flex-end;
    margin-bottom: 3rem;
    flex-wrap: wrap;
    gap: 1.5rem;
}

.calc-title {
    font-size: 2rem;
    font-weight: 800;
    color: var(--dark-navy);
}

.calc-type-toggle {
    display: flex;
    background-color: var(--bg-warm-light);
    padding: 0.35rem;
    border-radius: var(--radius-full);
    border: 1px solid var(--border-light);
}

.calc-toggle-btn {
    padding: 0.6rem 1.5rem;
    font-family: var(--font-main);
    font-size: 0.9rem;
    font-weight: 700;
    border: none;
    background: transparent;
    color: var(--slate-muted);
    border-radius: var(--radius-full);
    cursor: pointer;
    transition: var(--transition);
}

.calc-toggle-btn.active {
    background-color: var(--dark-navy);
    color: #ffffff;
    box-shadow: 0 4px 12px rgba(15, 23, 42, 0.2);
}

.calc-grid {
    display: grid;
    grid-template-columns: 1.2fr 0.8fr;
    gap: 3.5rem;
    align-items: center;
}

.calc-controls {
    display: flex;
    flex-direction: column;
    gap: 2rem;
}

.slider-box {
    display: flex;
    flex-direction: column;
    gap: 0.5rem;
}

.slider-header {
    display: flex;
    justify-content: space-between;
    align-items: center;
}

.slider-header label {
    font-size: 0.95rem;
    font-weight: 700;
    color: var(--dark-navy);
}

.slider-value {
    font-size: 1.15rem;
    font-weight: 800;
    color: var(--primary-orange-dark);
}

input[type="range"] {
    -webkit-appearance: none;
    appearance: none;
    width: 100%;
    height: 8px;
    background: #e2e8f0;
    border-radius: 4px;
    outline: none;
}

input[type="range"]::-webkit-slider-thumb {
    -webkit-appearance: none;
    appearance: none;
    width: 22px;
    height: 22px;
    border-radius: 50%;
    background: var(--primary-orange);
    cursor: pointer;
    box-shadow: 0 2px 8px var(--primary-orange-glow);
    transition: var(--transition);
}

input[type="range"]::-webkit-slider-thumb:hover {
    transform: scale(1.2);
}

.slider-range-labels {
    display: flex;
    justify-content: space-between;
    font-size: 0.75rem;
    color: var(--slate-muted);
}

.calc-select {
    width: 100%;
    padding: 0.8rem 1rem;
    font-family: var(--font-main);
    font-size: 0.95rem;
    font-weight: 600;
    border-radius: var(--radius-sm);
    border: 1px solid var(--border-light);
    background-color: var(--bg-warm-light);
    color: var(--dark-navy);
    outline: none;
    cursor: pointer;
}

.calc-select:focus {
    border-color: var(--primary-orange);
}

.calc-output-card {
    background: linear-gradient(135deg, var(--dark-navy), #1b263b);
    border-radius: var(--radius-md);
    padding: 2.5rem 2rem;
    color: #ffffff;
    box-shadow: 0 15px 30px rgba(15, 23, 42, 0.2);
}

.out-title {
    font-size: 1.1rem;
    font-weight: 700;
    color: #94a3b8;
    text-transform: uppercase;
    letter-spacing: 0.5px;
    margin-bottom: 1.5rem;
}

.out-main-stat {
    margin-bottom: 1.5rem;
}

.stat-lbl {
    font-size: 0.85rem;
    color: #cbd5e1;
    display: block;
    margin-bottom: 0.25rem;
}

.stat-val {
    font-size: 2.8rem;
    font-weight: 800;
    color: var(--primary-orange);
    line-height: 1;
}

.out-divider {
    height: 1px;
    background-color: rgba(255, 255, 255, 0.1);
    margin: 1.5rem 0;
}

.out-details-list {
    display: flex;
    flex-direction: column;
    gap: 0.85rem;
    margin-bottom: 2rem;
}

.out-row {
    display: flex;
    justify-content: space-between;
    font-size: 0.925rem;
    color: #cbd5e1;
}

.out-row.total-row {
    padding-top: 0.85rem;
    border-top: 1px solid rgba(255, 255, 255, 0.15);
    font-size: 1.05rem;
    color: #ffffff;
}

.out-row strong {
    font-weight: 700;
}

/* --- Impact & Statistics Section --- */
.impact-banner {
    background: linear-gradient(135deg, var(--dark-navy) 0%, #1c283d 100%);
    border-radius: var(--radius-lg);
    padding: 4rem 3rem;
    color: #ffffff;
    position: relative;
    overflow: hidden;
}

.impact-banner::before {
    content: '';
    position: absolute;
    top: -50%;
    right: -20%;
    width: 500px;
    height: 500px;
    background: radial-gradient(circle, rgba(249, 115, 22, 0.2) 0%, rgba(0,0,0,0) 70%);
    pointer-events: none;
}

.impact-info {
    max-width: 650px;
    margin-bottom: 3.5rem;
}

.impact-info h2 {
    font-size: 2.4rem;
    font-weight: 800;
    margin-bottom: 1rem;
    line-height: 1.2;
}

.impact-info p {
    font-size: 1.1rem;
    color: #94a3b8;
}

.impact-stats-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 1.5rem;
}

.impact-card {
    background: rgba(255, 255, 255, 0.05);
    backdrop-filter: blur(10px);
    border-radius: var(--radius-md);
    padding: 2rem 1.5rem;
    border: 1px solid rgba(255, 255, 255, 0.1);
    transition: var(--transition);
}

.impact-card:hover {
    background: rgba(255, 255, 255, 0.08);
    transform: translateY(-5px);
    border-color: var(--primary-orange);
}

.stat-number {
    font-size: 2.8rem;
    font-weight: 800;
    color: var(--primary-orange);
    display: inline-block;
    line-height: 1;
}

.stat-unit {
    font-size: 1rem;
    font-weight: 700;
    color: #ffffff;
    margin-bottom: 0.5rem;
}

.impact-card p {
    font-size: 0.85rem;
    color: #94a3b8;
}

/* --- Testimonials Section --- */
.testimonials-section {
    background-color: #ffffff;
}

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

.testimonial-card {
    background-color: var(--bg-warm-light);
    border-radius: var(--radius-md);
    padding: 2.25rem 2rem;
    border: 1px solid var(--border-light);
    display: flex;
    flex-direction: column;
    transition: var(--transition);
}

.testimonial-card:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-md);
    border-color: var(--border-orange);
}

.stars {
    color: #f59e0b;
    font-size: 1.1rem;
    margin-bottom: 1.2rem;
    letter-spacing: 2px;
}

.quote {
    font-size: 0.975rem;
    color: var(--slate-text);
    font-style: italic;
    margin-bottom: 2rem;
    line-height: 1.6;
}

.user-profile {
    display: flex;
    align-items: center;
    gap: 1rem;
    margin-top: auto;
}

.avatar-circle {
    width: 46px;
    height: 46px;
    border-radius: 50%;
    background: linear-gradient(135deg, var(--primary-orange), var(--primary-orange-dark));
    color: #ffffff;
    font-weight: 800;
    font-size: 0.95rem;
    display: flex;
    align-items: center;
    justify-content: center;
}

.user-profile strong {
    display: block;
    font-size: 0.95rem;
    color: var(--dark-navy);
}

.user-profile span {
    font-size: 0.8rem;
    color: var(--slate-muted);
}

/* --- FAQ Accordion Section --- */
.faq-section {
    background-color: var(--bg-warm-light);
}

.faq-accordion {
    max-width: 800px;
    margin: 0 auto;
    display: flex;
    flex-direction: column;
    gap: 1rem;
}

.faq-item {
    background-color: #ffffff;
    border-radius: var(--radius-md);
    border: 1px solid var(--border-light);
    overflow: hidden;
    transition: var(--transition);
}

.faq-item.active {
    border-color: var(--primary-orange);
    box-shadow: var(--shadow-sm);
}

.faq-question {
    width: 100%;
    padding: 1.35rem 1.75rem;
    display: flex;
    justify-content: space-between;
    align-items: center;
    background: transparent;
    border: none;
    font-family: var(--font-main);
    font-size: 1.05rem;
    font-weight: 700;
    color: var(--dark-navy);
    text-align: left;
    cursor: pointer;
    gap: 1rem;
}

.faq-icon {
    font-size: 1.5rem;
    font-weight: 400;
    color: var(--primary-orange);
    transition: var(--transition);
}

.faq-item.active .faq-icon {
    transform: rotate(45deg);
}

.faq-answer {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.4s ease-out, padding 0.3s ease;
    padding: 0 1.75rem;
}

.faq-item.active .faq-answer {
    max-height: 250px;
    padding: 0 1.75rem 1.5rem 1.75rem;
}

.faq-answer p {
    font-size: 0.95rem;
    color: var(--slate-muted);
    line-height: 1.6;
}

/* --- Contact & Branch Section --- */
.contact-section {
    background-color: #ffffff;
}

.contact-container {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 4rem;
}

.contact-info-box {
    background: linear-gradient(135deg, var(--dark-navy), #172438);
    border-radius: var(--radius-lg);
    padding: 3rem 2.5rem;
    color: #ffffff;
}

.contact-info-box h2 {
    font-size: 2.2rem;
    font-weight: 800;
    margin-bottom: 1rem;
}

.contact-info-box p {
    color: #94a3b8;
    margin-bottom: 2.5rem;
}

.contact-details {
    display: flex;
    flex-direction: column;
    gap: 1.5rem;
    margin-bottom: 3rem;
}

.c-item {
    display: flex;
    gap: 1rem;
    align-items: flex-start;
}

.c-icon {
    font-size: 1.3rem;
}

.c-item strong {
    display: block;
    font-size: 0.95rem;
    color: #ffffff;
}

.c-item p {
    font-size: 0.875rem;
    color: #94a3b8;
    margin-bottom: 0;
}

.branch-finder-box {
    background: rgba(255, 255, 255, 0.06);
    border-radius: var(--radius-md);
    padding: 1.5rem;
    border: 1px solid rgba(255, 255, 255, 0.1);
}

.branch-finder-box h4 {
    font-size: 1rem;
    margin-bottom: 1rem;
}

.search-input-wrap {
    display: flex;
    gap: 0.5rem;
}

.search-input-wrap input {
    flex: 1;
    padding: 0.65rem 1rem;
    border-radius: var(--radius-full);
    border: 1px solid rgba(255, 255, 255, 0.2);
    background: rgba(0, 0, 0, 0.2);
    color: #ffffff;
    font-family: var(--font-main);
    font-size: 0.9rem;
    outline: none;
}

.branch-result {
    margin-top: 1rem;
    font-size: 0.85rem;
    color: #fdba74;
}

.contact-form-card {
    background: var(--bg-warm-light);
    border-radius: var(--radius-lg);
    padding: 3rem 2.5rem;
    border: 1px solid var(--border-light);
}

.contact-form-card h3 {
    font-size: 1.6rem;
    font-weight: 800;
    color: var(--dark-navy);
    margin-bottom: 1.75rem;
}

.form-group {
    margin-bottom: 1.25rem;
}

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

.form-group label {
    display: block;
    font-size: 0.875rem;
    font-weight: 700;
    color: var(--dark-navy);
    margin-bottom: 0.4rem;
}

.form-input {
    width: 100%;
    padding: 0.8rem 1rem;
    font-family: var(--font-main);
    font-size: 0.95rem;
    border-radius: var(--radius-sm);
    border: 1px solid var(--border-light);
    background-color: #ffffff;
    color: var(--dark-navy);
    outline: none;
    transition: var(--transition);
}

.form-input:focus {
    border-color: var(--primary-orange);
    box-shadow: 0 0 0 3px var(--primary-orange-glow);
}

.feedback-msg {
    margin-top: 1rem;
    font-size: 0.9rem;
    font-weight: 600;
    text-align: center;
}

/* --- Footer --- */
.footer {
    background-color: var(--dark-navy);
    color: #94a3b8;
    padding: 5rem 0 2rem 0;
    border-top: 1px solid rgba(255, 255, 255, 0.08);
}

.footer-container {
    display: grid;
    grid-template-columns: 1.5fr 1fr 1fr 1.2fr;
    gap: 3rem;
    margin-bottom: 4rem;
}

.brand-col .footer-logo {
    margin-bottom: 1.25rem;
}

.footer-desc {
    font-size: 0.9rem;
    line-height: 1.6;
    margin-bottom: 1.5rem;
}

.social-links {
    display: flex;
    gap: 0.75rem;
}

.social-links a {
    width: 38px;
    height: 38px;
    background: rgba(255, 255, 255, 0.08);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: #ffffff;
    transition: var(--transition);
}

.social-links a:hover {
    background-color: var(--primary-orange);
    transform: translateY(-3px);
}

.footer-col h4 {
    font-size: 1.1rem;
    font-weight: 700;
    color: #ffffff;
    margin-bottom: 1.5rem;
}

.footer-links li {
    margin-bottom: 0.75rem;
}

.footer-links a {
    font-size: 0.9rem;
    color: #94a3b8;
    transition: var(--transition);
}

.footer-links a:hover {
    color: var(--primary-orange);
    padding-left: 4px;
}

.newsletter-form {
    display: flex;
    flex-direction: column;
    gap: 0.75rem;
    margin-top: 1rem;
}

.newsletter-form input {
    padding: 0.75rem 1rem;
    border-radius: var(--radius-sm);
    border: 1px solid rgba(255, 255, 255, 0.15);
    background: rgba(255, 255, 255, 0.05);
    color: #ffffff;
    font-family: var(--font-main);
    font-size: 0.9rem;
    outline: none;
}

.newsletter-form input:focus {
    border-color: var(--primary-orange);
}

.footer-bottom {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding-top: 2rem;
    border-top: 1px solid rgba(255, 255, 255, 0.08);
    font-size: 0.825rem;
    flex-wrap: wrap;
    gap: 1rem;
}

.footer-legal a {
    color: #94a3b8;
    transition: var(--transition);
}

.footer-legal a:hover {
    color: var(--primary-orange);
}

/* --- Interactive Application Modal --- */
.modal-overlay {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background-color: rgba(15, 23, 42, 0.75);
    backdrop-filter: blur(6px);
    z-index: 2000;
    display: flex;
    align-items: center;
    justify-content: center;
    padding: 1.5rem;
    opacity: 0;
    visibility: hidden;
    transition: var(--transition);
}

.modal-overlay.show {
    opacity: 1;
    visibility: visible;
}

.modal-card {
    background: #ffffff;
    border-radius: var(--radius-lg);
    width: 100%;
    max-width: 580px;
    padding: 2.5rem;
    box-shadow: 0 25px 60px rgba(0, 0, 0, 0.3);
    position: relative;
    transform: scale(0.95);
    transition: var(--transition);
    max-height: 90vh;
    overflow-y: auto;
}

.modal-overlay.show .modal-card {
    transform: scale(1);
}

.modal-close {
    position: absolute;
    top: 1.25rem;
    right: 1.25rem;
    width: 36px;
    height: 36px;
    background: var(--bg-warm-light);
    border: none;
    border-radius: 50%;
    font-size: 1.5rem;
    cursor: pointer;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--slate-muted);
    transition: var(--transition);
}

.modal-close:hover {
    background-color: var(--primary-orange);
    color: #ffffff;
}

.modal-header {
    text-align: center;
    margin-bottom: 2rem;
}

.modal-header h3 {
    font-size: 1.5rem;
    font-weight: 800;
    color: var(--dark-navy);
    margin-top: 0.5rem;
}

.modal-header p {
    font-size: 0.9rem;
    color: var(--slate-muted);
}

.modal-steps {
    display: flex;
    align-items: center;
    justify-content: space-between;
    margin-bottom: 2rem;
    position: relative;
}

.step-item {
    display: flex;
    align-items: center;
    gap: 0.5rem;
    font-size: 0.85rem;
    font-weight: 700;
    color: var(--slate-muted);
}

.step-item span {
    width: 28px;
    height: 28px;
    border-radius: 50%;
    background-color: var(--bg-warm-light);
    border: 1px solid var(--border-light);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 0.8rem;
}

.step-item.active {
    color: var(--primary-orange-dark);
}

.step-item.active span {
    background-color: var(--primary-orange);
    color: #ffffff;
    border-color: var(--primary-orange);
}

.step-line {
    flex: 1;
    height: 2px;
    background-color: var(--border-light);
    margin: 0 0.5rem;
}

.step-line.active {
    background-color: var(--primary-orange);
}

.form-step-content {
    display: none;
}

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

.checkbox-group {
    display: flex;
    gap: 0.75rem;
    align-items: flex-start;
}

.checkbox-group input {
    margin-top: 3px;
    accent-color: var(--primary-orange);
}

.checkbox-group label {
    font-size: 0.85rem;
    color: var(--slate-muted);
}

.summary-preview-card {
    background-color: var(--bg-warm-light);
    border-radius: var(--radius-md);
    padding: 1.25rem;
    border: 1px solid var(--border-light);
    margin-bottom: 1.5rem;
}

.summary-preview-card h4 {
    font-size: 1rem;
    margin-bottom: 0.75rem;
    color: var(--dark-navy);
}

.sum-row {
    display: flex;
    justify-content: space-between;
    font-size: 0.875rem;
    margin-bottom: 0.4rem;
}

.modal-success {
    text-align: center;
    padding: 2rem 0;
}

.success-icon-animated {
    width: 70px;
    height: 70px;
    background-color: var(--green-light);
    color: var(--green-success);
    border-radius: 50%;
    font-size: 2.2rem;
    font-weight: 800;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 1.5rem auto;
    animation: popIn 0.5s ease;
}

@keyframes popIn {
    0% { transform: scale(0); }
    80% { transform: scale(1.15); }
    100% { transform: scale(1); }
}

.success-desc {
    font-size: 0.95rem;
    color: var(--slate-muted);
    margin: 1rem 0 2rem 0;
}

/* Toast */
.toast-notification {
    position: fixed;
    bottom: 2rem;
    right: 2rem;
    background-color: var(--dark-navy);
    color: #ffffff;
    padding: 0.85rem 1.5rem;
    border-radius: var(--radius-full);
    box-shadow: 0 10px 25px rgba(0, 0, 0, 0.2);
    border-left: 4px solid var(--primary-orange);
    font-weight: 600;
    font-size: 0.9rem;
    z-index: 3000;
    transform: translateY(100px);
    opacity: 0;
    transition: var(--transition);
}

.toast-notification.show {
    transform: translateY(0);
    opacity: 1;
}

/* --- Responsive Breakpoints --- */
@media (max-width: 1024px) {
    .hero-container, .about-container, .calc-grid, .contact-container {
        grid-template-columns: 1fr;
        gap: 2.5rem;
    }
    
    .hero-title { font-size: 2.75rem; }
    
    .highlights-grid, .impact-stats-grid {
        grid-template-columns: repeat(2, 1fr);
    }
    
    .services-grid, .testimonials-grid {
        grid-template-columns: repeat(2, 1fr);
    }

    .footer-container {
        grid-template-columns: 1fr 1fr;
    }
}

@media (max-width: 768px) {
    .top-bar { display: none; }
    
    .hamburger-btn { display: flex; }
    
    .nav-menu {
        position: fixed;
        top: 75px;
        left: 0;
        right: 0;
        background: #ffffff;
        padding: 2rem;
        border-bottom: 1px solid var(--border-light);
        box-shadow: var(--shadow-md);
        transform: translateY(-150%);
        transition: var(--transition);
    }

    .nav-menu.active {
        transform: translateY(0);
    }

    .nav-list {
        flex-direction: column;
        gap: 1.25rem;
        align-items: center;
    }

    .nav-actions .btn-outline {
        display: none;
    }

    .hero-title { font-size: 2.2rem; }
    .hero-description { max-width: 100%; }

    .services-grid, .testimonials-grid, .highlights-grid, .impact-stats-grid {
        grid-template-columns: 1fr;
    }

    .calc-wrapper, .impact-banner, .contact-info-box, .contact-form-card {
        padding: 2rem 1.5rem;
    }

    .footer-container {
        grid-template-columns: 1fr;
    }

    .footer-bottom {
        flex-direction: column;
        text-align: center;
    }
}