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

:root {
    /* Color Palette - Swiss Premium */
    --primary: #002147;      /* Swiss Navy */
    --accent: #D52B1E;       /* Swiss Red */
    --swiss-gold: #C5A059;   /* Swiss Gold */
    --swiss-silver: #F2F2F2; /* Platinum/Silver */
    --swiss-charcoal: #1A1A1A;  /* Deep text */
    
    --secondary: var(--swiss-gold);
    
    --gray-50: #F8F9FA;
    --gray-100: #F1F3F5;
    --gray-200: #E9ECEF;
    --gray-300: #DEE2E6;
    --gray-600: #495057;
    --gray-800: #212529;
    --gray-900: #121416;

    --text-primary: var(--swiss-charcoal);
    --text-secondary: #4B5563;

    --font-sans: 'Inter', -apple-system, sans-serif;
    --font-serif: 'Playfair Display', serif;

    --shadow-premium: 0 10px 30px -5px rgba(0, 33, 71, 0.08); /* Navy tinted shadow */
    --shadow-sm: 0 1px 3px rgba(0,0,0,0.12);
    --glass: rgba(255, 255, 255, 0.85);
    
    --container-width: 1200px;
}

/* Animations Definitions */
@keyframes color-shift {
    0% { background-position: 0% 50%; }
    50% { background-position: 100% 50%; }
    100% { background-position: 0% 50%; }
}

@keyframes shimmer {
    0% { transform: translateX(-100%); }
    100% { transform: translateX(100%); }
}

@keyframes float {
    0% { transform: translateY(0px); }
    50% { transform: translateY(-10px); }
    100% { transform: translateY(0px); }
}

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

/* Base Reset & Typography */
* {
    box-sizing: border-box;
    margin: 0;
    padding: 0;
    outline: none;
}

body {
    font-family: var(--font-sans);
    color: var(--text-primary);
    background: linear-gradient(-45deg, #ffffff, #fcfcfc, #f8f9fa, #f2f2f2);
    background-size: 400% 400%;
    animation: color-shift 20s ease infinite;
    line-height: 1.6;
    font-size: 16px;
    -webkit-font-smoothing: antialiased;
}

h1, h2, h3, .logo-main {
    font-family: var(--font-serif);
}

a {
    text-decoration: none;
    color: inherit;
    transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
}

ul {
    list-style: none;
}

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

.container {
    max-width: var(--container-width);
    margin: 0 auto;
    padding: 0 24px;
}

/* Utilities */
.fl-flex { display: flex; }
.fl-items-center { align-items: center; }
.fl-justify-between { justify-content: space-between; }
.fl-gap-4 { gap: 16px; }
.text-blue { color: var(--primary); }
.text-gold { color: var(--swiss-gold); }
.text-white { color: white; }
.fw-bold { font-weight: 700; }
@keyframes pulse-red {
    0% { transform: scale(1); box-shadow: 0 0 0 0 rgba(213, 43, 30, 0.4); }
    70% { transform: scale(1.05); box-shadow: 0 0 0 10px rgba(213, 43, 30, 0); }
    100% { transform: scale(1); box-shadow: 0 0 0 0 rgba(213, 43, 30, 0); }
}

.logo-icon-wrapper {
    animation: pulse-red 3s infinite ease-in-out;
}

/* Responsive Utilities */
.grid-2-responsive {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: var(--gap-lg, 80px);
    align-items: center;
}

.grid-3-responsive {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 30px;
}

.flex-responsive {
    display: flex;
    gap: 40px;
    align-items: center;
}

@media (max-width: 991px) {
    .grid-2-responsive, .grid-3-responsive {
        grid-template-columns: 1fr;
        gap: 40px;
    }
    .flex-responsive {
        flex-direction: column;
        text-align: center;
        gap: 40px;
    }
    .mobile-text-center {
        text-align: center !important;
    }
    .mobile-hide {
        display: none !important;
    }
}

/* =========================================
   HEADER ARCHITECTURE (Swiss Tier)
   ========================================= */
.site-header {
    background-color: rgba(255, 255, 255, 0.9);
    backdrop-filter: blur(20px) saturate(180%);
    border-bottom: 1px solid rgba(0,0,0,0.05);
    position: sticky;
    top: 0;
    z-index: 1000;
    transition: all 0.4s ease;
}

.site-header:hover {
    background-color: white;
}


/* Top Bar: Minimal & Clean */
.top-bar {
    background: linear-gradient(-45deg, #002147, #004B9B, #D52B1E, #1A1A1A);
    background-size: 400% 400%;
    animation: color-shift 15s ease infinite;
    padding: 8px 0;
    font-size: 11px;
    color: rgba(255,255,255,0.8);
    text-transform: uppercase;
    letter-spacing: 1px;
    border-bottom: 1px solid rgba(255,255,255,0.1);
}

.top-bar-inner {
    display: flex;
    justify-content: flex-end;
    gap: 24px;
}

.top-bar-mobile-actions {
    display: none;
}

.top-bar a:hover {
    color: white;
}

.main-header {
    height: 100px;
    display: grid;
    grid-template-columns: 1fr auto 1fr;
    align-items: center;
    position: relative;
    gap: 20px;
}

.logo-group {
    display: flex;
    align-items: center;
    gap: 15px;
}

.logo-icon {
    font-size: 28px;
    color: var(--accent); /* Swiss Red accent in logo */
}

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

.logo-main {
    font-weight: 700;
    font-size: 24px;
    color: var(--primary);
    letter-spacing: -0.2px;
}

.logo-sub {
    font-size: 9px;
    color: var(--swiss-gold);
    text-transform: uppercase;
    letter-spacing: 3px;
    margin-top: 2px;
    font-weight: 700;
}

.main-nav {
    display: flex;
    justify-content: center;
}

.main-nav > ul {
    display: flex;
    gap: 40px;
    list-style: none;
    margin: 0;
    padding: 0;
}

.main-nav ul li {
    position: relative;
}

.main-nav ul li a {
    text-decoration: none;
    color: var(--primary);
    font-weight: 700;
    font-size: 15px;
    text-transform: uppercase;
    letter-spacing: 0.5px;
    padding: 10px 0;
    display: block;
    transition: color 0.3s ease;
}

.main-nav ul li a:hover,
.main-nav ul li a.active {
    color: var(--accent);
}

.dropdown-menu {
    position: absolute;
    top: 100%;
    left: 0;
    transform: translateY(20px);
    width: 320px;
    background: white;
    box-shadow: 0 40px 100px -20px rgba(0, 33, 71, 0.2);
    border-radius: 12px;
    padding: 15px 0;
    list-style-type: none !important;
    display: block !important; /* Force block to undo any flex inheritance */
    z-index: 10000;
    border: 1px solid rgba(0,0,33, 0.08);
    opacity: 0;
    visibility: hidden;
    transition: all 0.4s cubic-bezier(0.165, 0.84, 0.44, 1);
    pointer-events: none;
}

.dropdown-menu li {
    display: block !important;
    width: 100% !important;
    float: none !important;
}



.dropdown-header {
    font-size: 11px;
    font-weight: 800;
    letter-spacing: 3px;
    color: var(--swiss-gold);
    border-bottom: 1px solid #f0f0f0;
    padding: 10px 20px 15px 20px;
    margin-bottom: 5px;
    text-transform: uppercase;
}

.main-nav li.dropdown:hover .dropdown-menu {
    opacity: 1;
    visibility: visible;
    transform: translateY(10px);
    pointer-events: auto;
}


/* Replaced with class in header.php */


.dropdown-menu li a {
    padding: 12px 20px !important;
    color: var(--primary) !important;
    font-size: 14px !important;
    font-weight: 600 !important;
    text-transform: none !important;
    display: flex !important;
    align-items: center;
    gap: 10px;
    border-bottom: 1px solid #f9f9f9 !important;
}

.dropdown-menu li:last-child a {
    border-bottom: none !important;
}


.dropdown-menu li a::before {
    content: "\f054";
    font-family: "Font Awesome 6 Free";
    font-weight: 900;
    font-size: 8px;
    color: var(--accent);
    opacity: 0;
    transition: all 0.3s ease;
}

.dropdown-menu li a:hover {
    color: var(--accent) !important;
    padding-left: 5px !important;
    background: transparent !important;
}

.dropdown-menu li a:hover::before {
    opacity: 1;
}



/* End of Menu Styles */

.main-nav a {
    position: relative;
}

.main-nav a::after {
    content: "";
    position: absolute;
    bottom: 0;
    left: 0;
    width: 0;
    height: 3px;
    background: var(--accent);
    transition: width 0.3s ease;
}

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

.main-nav a:hover,
.main-nav a.active {
    color: var(--primary);
}

/* Header Actions */
.header-actions {
    display: flex;
    align-items: center;
    justify-content: flex-end;
    gap: 20px;
}

.btn-client-access {
    background-color: var(--primary);
    color: white;
    padding: 12px 24px;
    font-weight: 600;
    border-radius: 4px;
    font-size: 13px;
    white-space: nowrap;
    display: flex;
    align-items: center;
    gap: 10px;
    border: 1px solid var(--primary);
    position: relative;
    overflow: hidden;
}

.btn-client-access::before {
    content: "";
    position: absolute;
    top: 0; left: -100%;
    width: 50%; height: 100%;
    background: linear-gradient(90deg, transparent, rgba(255,255,255,0.2), transparent);
    animation: shimmer 3s infinite;
}

.btn-client-access:hover {
    background-color: transparent;
    color: var(--primary);
}

.btn-become-client {
    background-color: transparent;
    color: var(--primary);
    padding: 12px 24px;
    font-weight: 600;
    border-radius: 4px;
    font-size: 13px;
    white-space: nowrap;
    border: 1px solid var(--primary);
}

.mobile-menu-toggle {
    display: none;
}

.btn-become-client:hover {
    background-color: var(--gray-50);
}

/* =========================================
   HERO SECTION (Clean & High-End)
   ========================================= */
.hero-section {
    position: relative;
    background: linear-gradient(-45deg, #002147, #004B9B, #D52B1E, #1A1A1A);
    background-size: 400% 400%;
    animation: color-shift 15s ease infinite;
    padding: 100px 0;
    overflow: hidden;
}

/* Deep overlay with glass effect */
.hero-section::before {
    content: "";
    position: absolute;
    inset: 0;
    background: radial-gradient(circle at center, transparent 0%, rgba(0, 33, 71, 0.4) 100%);
    backdrop-filter: brightness(0.9);
    z-index: 1;
}

/* Diagonal slice with animation */
.hero-section::after {
    content: "";
    position: absolute;
    top: -50%;
    right: -10%;
    width: 60%;
    height: 200%;
    background: rgba(255, 255, 255, 0.03);
    transform: rotate(15deg);
    z-index: 2;
    animation: float 10s ease-in-out infinite;
}

.hero-content-wrapper {
    position: relative;
    z-index: 10;
    display: flex;
    justify-content: space-between;
    align-items: center;
    color: white; /* Make text white for dark background */
}

.hero-text h1 {
    font-size: 64px;
    color: white; /* White title for contrast */
    line-height: 1.05;
    margin-bottom: 30px;
    text-shadow: 0 2px 4px rgba(0,0,0,0.1);
}

.hero-text p {
    font-size: 20px;
    color: rgba(255,255,255,0.9);
    margin-bottom: 40px;
}

.hero-links {
    display: flex;
    gap: 25px;
}

.hero-links .link-white {
    font-size: 14px;
    font-weight: 600;
    color: white;
    text-decoration: none;
    display: flex;
    align-items: center;
    gap: 8px;
    padding: 12px 25px;
    border: 1px solid rgba(255,255,255,0.3);
    border-radius: 50px;
    transition: all 0.3s ease;
    backdrop-filter: blur(10px);
    background: rgba(255,255,255,0.05);
}

.hero-links .link-white:hover {
    background: white;
    color: var(--primary);
    transform: translateY(-5px);
}

/* Floating Login Widget - Premium Style */
.login-widget {
    background: white;
    padding: 45px;
    width: 400px;
    border-radius: 12px;
    box-shadow: var(--shadow-premium);
    position: relative;
    animation: float 6s ease-in-out infinite, reveal 1s ease-out;
}

.login-widget h3 {
    font-size: 32px;
    color: var(--primary);
    margin-bottom: 15px;
    text-align: center;
}

.login-widget p {
    font-size: 15px;
    color: var(--gray-600);
    margin-bottom: 25px;
    text-align: center;
}

.promo-badge {
    background: var(--accent);
    color: white;
    font-weight: 700;
    display: inline-block;
    padding: 6px 16px;
    border-radius: 50px;
    font-size: 11px;
    letter-spacing: 1px;
    margin-bottom: 20px;
    box-shadow: 0 4px 15px rgba(213, 43, 30, 0.3);
}

.login-input {
    width: 100%;
    padding: 15px;
    border: 1px solid var(--gray-200);
    border-radius: 6px;
    margin-bottom: 20px;
    background: var(--gray-50);
    transition: border-color 0.3s;
}

.login-input:focus {
    border-color: var(--primary);
}

.login-btn-submit {
    width: 100%;
    padding: 18px;
    background: var(--accent);
    color: white;
    font-weight: 700;
    border: none;
    border-radius: 6px;
    cursor: pointer;
    font-size: 15px;
    text-transform: uppercase;
    letter-spacing: 1px;
}

.login-btn-submit:hover {
    background: #b52419;
    transform: translateY(-2px);
    box-shadow: 0 5px 15px rgba(213, 43, 30, 0.3);
}

/* =========================================
   QUICK ACCESS BAR
   ========================================= */
.quick-access-bar {
    background: white;
    padding: 0;
    margin-top: -60px;
    position: relative;
    z-index: 21;
}

.quick-access-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    box-shadow: var(--shadow-premium);
    border-radius: 12px;
    overflow: hidden;
}

.qa-item {
    background: white;
    padding: 35px 20px;
    display: flex;
    flex-direction: column;
    align-items: center;
    text-align: center;
    border-right: 1px solid var(--gray-100);
}

.qa-item:last-child { border-right: none; }

.qa-item:hover {
    background: var(--gray-50);
}

.qa-icon {
    font-size: 30px;
    margin-bottom: 15px;
    color: var(--primary);
}

.qa-title {
    font-weight: 700;
    font-size: 14px;
    color: var(--primary);
    text-transform: uppercase;
    letter-spacing: 1px;
}

/* =========================================
   SECTION HEADERS
   ========================================= */
.section-std { padding: 100px 0; }

.section-title {
    font-size: 42px;
    color: var(--primary);
    font-weight: 700;
    margin-bottom: 15px;
    text-align: center;
    font-family: var(--font-serif);
}

.section-subtitle {
    text-align: center;
    max-width: 700px;
    margin: 0 auto 60px;
    color: var(--text-secondary);
    font-size: 18px;
}

/* =========================================
   CARDS & GRIDS
   ========================================= */
.card-grid-3 {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 40px;
}

/* =========================================
   EXECUTIVE PROFESSIONAL SECTION (Rebrand)
   ========================================= */
.section-pro-luxury {
    background: #001021; /* Match Footer/Hero for premium consistency */
    padding: 120px 0;
    color: white;
    position: relative;
    overflow: hidden;
}

.section-pro-luxury::before {
    content: "";
    position: absolute;
    top: 0; left: 0;
    width: 100%; height: 100%;
    background-image: radial-gradient(circle at 10% 20%, rgba(197, 160, 89, 0.05) 0%, transparent 40%);
    pointer-events: none;
}

.flex-pro-section {
    display: flex;
    align-items: center;
    gap: 100px;
}

.pro-img-box {
    flex: 1;
    position: relative;
    height: 520px;
    border-radius: 4px; /* Move from rounded to formal sharp/slight corners */
    overflow: hidden;
    box-shadow: 0 40px 100px rgba(0,0,0,0.5);
}

.pro-content-box {
    flex: 1.2;
}

.pro-header-tag {
    font-family: var(--font-title);
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 4px;
    font-size: 11px;
    color: var(--swiss-gold);
    margin-bottom: 25px;
    display: flex;
    align-items: center;
    gap: 15px;
}

.pro-header-tag::after {
    content: "";
    width: 40px;
    height: 1px;
    background: var(--swiss-gold);
}

.pro-title-main {
    font-size: 44px;
    font-family: var(--font-title);
    font-weight: 800;
    line-height: 1.1;
    margin-bottom: 30px;
    color: white;
}

.pro-desc-main {
    font-size: 18px;
    color: rgba(255,255,255,0.7);
    margin-bottom: 50px;
    line-height: 1.6;
}

.pro-feature-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 40px;
    margin-bottom: 60px;
}

.pf-item {
    display: block;
}

.pf-item h5 {
    font-size: 13px;
    font-weight: 800;
    text-transform: uppercase;
    color: var(--swiss-gold);
    letter-spacing: 1.5px;
    margin-bottom: 15px;
    display: flex;
    align-items: center;
    gap: 10px;
}

.pf-item p {
    font-size: 14px;
    color: rgba(255,255,255,0.6);
    line-height:1.5;
}

.btn-pro-gold {
    background: var(--swiss-gold);
    color: white;
    padding: 16px 35px;
    border-radius: 4px;
    font-weight: 700;
    text-decoration: none;
    font-size: 14px;
    text-transform: uppercase;
    letter-spacing: 1px;
    transition: all 0.3s ease;
    border: 1px solid var(--swiss-gold);
}

.btn-pro-gold:hover {
    background: transparent;
    color: var(--swiss-gold);
    transform: translateY(-5px);
}

.btn-pro-outline {
    background: transparent;
    color: white;
    padding: 16px 35px;
    border-radius: 4px;
    font-weight: 700;
    text-decoration: none;
    font-size: 14px;
    text-transform: uppercase;
    letter-spacing: 1px;
    transition: all 0.3s ease;
    border: 1px solid rgba(255,255,255,0.3);
}

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

/* Responsive Executive Pro Section */
@media (max-width: 1024px) {
    .flex-pro-section {
        flex-direction: column;
        gap: 60px;
        text-align: center;
    }
    .pro-img-box {
        width: 100%;
        height: 400px;
    }
    .pro-header-tag {
        justify-content: center;
    }
    .pro-header-tag::after {
        display: none;
    }
    .pro-title-main {
        font-size: 36px;
    }
}

@media (max-width: 768px) {
    .pro-feature-grid {
        grid-template-columns: 1fr;
        gap: 25px;
    }
    .pro-title-main {
        font-size: 30px;
    }
    .pf-item h5 {
        justify-content: center;
    }
    .btn-pro-gold, .btn-pro-outline {
        width: 100%;
        display: block;
        margin-bottom: 15px;
    }
    .pro-content-box div[style*="display: flex"] {
        flex-direction: column;
        gap: 0 !important;
    }
    .section-pro-luxury {
        padding: 60px 0;
    }
}


.news-card-pro {
    background: white;
    border-radius: 12px;
    overflow: hidden;
    box-shadow: 0 5px 15px rgba(0,0,0,0.05);
    transition: all 0.4s ease;
    animation: reveal 0.8s ease-out both;
}

.news-card-pro:nth-child(1) { animation-delay: 0.2s; }
.news-card-pro:nth-child(2) { animation-delay: 0.4s; }
.news-card-pro:nth-child(3) { animation-delay: 0.6s; }

.news-card-pro:hover {
    transform: translateY(-10px);
    box-shadow: var(--shadow-premium);
}

.nc-img {
    height: 240px;
    background-color: var(--gray-100);
}

.nc-body {
    padding: 35px;
}

.nc-title {
    font-size: 22px;
    color: var(--primary);
    margin-bottom: 15px;
    font-family: var(--font-serif);
}

.nc-link {
    color: var(--accent);
    font-weight: 700;
    text-transform: uppercase;
    font-size: 12px;
    letter-spacing: 2px;
}

/* =========================================
   FOOTER (Solid & Clear)
   ========================================= */
.footer-pro {
    background: var(--primary);
    padding-top: 100px;
    color: rgba(255,255,255,0.7);
}

.footer-col h5 {
    color: white;
    font-size: 14px;
    font-weight: 700;
    letter-spacing: 2px;
    margin-bottom: 30px;
    text-transform: uppercase;
}

.footer-col a { color: rgba(255,255,255,0.6); }
.footer-col a:hover { color: white; }

.contact-box {
    background: rgba(255,255,255,0.05);
    padding: 30px;
    border-radius: 8px;
    border: none;
}

.footer-legal-block {
    background: var(--gray-900);
    padding: 40px 0;
    color: rgba(255,255,255,0.4);
}

.footer-bottom-links {
    padding: 30px 0;
    color: rgba(255,255,255,0.5);
}


/* =========================================
   LUXURY SERVICE CARDS (Microfinance Section)
   ========================================= */
.service-card-luxury {
    background: white;
    border-radius: 20px;
    overflow: hidden;
    transition: all 0.5s cubic-bezier(0.165, 0.84, 0.44, 1);
    border: 1px solid var(--gray-100);
    position: relative;
    height: 480px;
    display: flex;
    flex-direction: column;
}

.service-card-luxury:hover {
    transform: translateY(-15px);
    box-shadow: 0 40px 80px -20px rgba(0, 33, 71, 0.15);
    border-color: var(--swiss-gold);
}

.scl-img-wrapper {
    height: 220px;
    position: relative;
    overflow: hidden;
}

.scl-img-wrapper img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    transition: transform 0.8s ease;
}

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

.scl-badge {
    position: absolute;
    top: 20px;
    left: 20px;
    background: rgba(0, 33, 71, 0.9);
    color: white;
    padding: 6px 16px;
    border-radius: 50px;
    font-size: 11px;
    font-weight: 700;
    letter-spacing: 1px;
    text-transform: uppercase;
    backdrop-filter: blur(5px);
}

.scl-body {
    padding: 35px;
    flex-grow: 1;
    display: flex;
    flex-direction: column;
}

.scl-title {
    font-family: var(--font-title);
    font-size: 24px;
    font-weight: 700;
    color: var(--primary);
    margin-bottom: 25px;
}

.contact-box-premium {
    background: rgba(255, 255, 255, 0.05);
    padding: 30px;
    border-radius: 12px;
    border: 1px solid rgba(255, 255, 255, 0.1);
}

.contact-box-premium h5 {
    color: white !important;
    margin-bottom: 15px !important;
}

.contact-box-premium p {
    color: rgba(255, 255, 255, 0.6) !important;
    font-size: 13px;
    margin-bottom: 20px !important;
}

.contact-box-premium .phone-link {
    color: var(--swiss-gold) !important;
    font-size: 18px !important;
    font-weight: 700 !important;
    display: block;
    margin-bottom: 10px;
    text-decoration: none;
}

.contact-box-premium .email-link {
    color: var(--swiss-gold) !important;
    font-size: 14px;
    text-decoration: none;
    display: flex;
    align-items: center;
    gap: 8px;
    transition: color 0.3s ease;
}

.contact-box-premium .email-link:hover {
    color: white !important;
}

.scl-text {
    font-size: 15px;
    color: var(--gray-600);
    line-height: 1.6;
    margin-bottom: 25px;
}

.scl-link {
    margin-top: auto;
    color: var(--primary);
    font-weight: 700;
    text-decoration: none;
    display: flex;
    align-items: center;
    gap: 10px;
    font-size: 14px;
    transition: all 0.3s ease;
}

.scl-link i {
    transition: transform 0.3s ease;
    color: var(--accent);
}

.service-card-luxury:hover .scl-link {
    color: var(--accent);
}

.service-card-luxury:hover .scl-link i {
    transform: translateX(8px);
}

/* Luxury Accent Line */
.service-card-luxury::after {
    content: "";
    position: absolute;
    bottom: 0;
    left: 0;
    width: 0%;
    height: 4px;
    background: var(--swiss-gold);
    transition: width 0.5s ease;
}

.service-card-luxury:hover::after {
    width: 100%;
}

/* =========================================
   FOOTER (Institutional)
   ========================================= */
.footer-pro {
    background-color: #001021; /* Deepest Midnight Navy */
    color: rgba(255,255,255,0.7);
    padding: 100px 0 0;
    font-size: 14px;
    border-top: 2px solid var(--swiss-gold);
}

.footer-main-grid {
    display: grid;
    grid-template-columns: 2fr 1fr 1fr 1fr;
    gap: 48px;
    padding-bottom: 48px;
    border-bottom: 1px solid rgba(255,255,255,0.1);
}

.footer-col h5 {
    color: white;
    font-size: 16px;
    font-weight: 700;
    margin-bottom: 25px;
    text-transform: uppercase;
}

.footer-col ul li {
    margin-bottom: 12px;
}

.footer-col ul li a {
    color: rgba(255,255,255,0.6);
    text-decoration: none;
    transition: all 0.3s ease;
}

.footer-col ul li a:hover {
    color: var(--swiss-gold);
    padding-left: 5px;
}

.contact-box {
    background: white;
    padding: 24px;
    border: 1px solid #E5E7EB;
    border-left: 4px solid var(--lbp-yellow);
}

.footer-legal-block {
    padding: 24px 0;
    background: #E5E7EB;
    color: #4B5563;
    font-size: 12px;
    text-align: justify;
}

.footer-bottom-links {
    display: flex;
    gap: 24px;
    justify-content: center;
    padding: 20px 0;
    font-size: 13px;
    font-weight: 600;
}

/* Mobile & Tablet Responsive */
/* Max-width 1024px: Tablets & Small Laptops */
@media (max-width: 1024px) {
    .container {
        padding: 0 16px;
    }

    /* Top Bar: Show on mobile with action buttons */
    .top-bar {
        display: block;
        padding: 10px 0;
    }

    .top-bar-inner {
        justify-content: center;
        gap: 8px;
        flex-wrap: wrap;
    }

    /* Hide institutional links on mobile */
    .top-bar-inner>a {
        display: none;
    }

    /* Show mobile action buttons */
    .top-bar-mobile-actions {
        display: flex;
        gap: 8px;
        width: 100%;
        justify-content: center;
    }

    .top-bar-btn {
        flex: 1;
        max-width: 48%;
        display: flex;
        align-items: center;
        justify-content: center;
        font-size: 12px;
        font-weight: 700;
        padding: 10px 14px;
        border-radius: 6px;
        text-align: center;
        white-space: nowrap;
        text-transform: uppercase;
        letter-spacing: 0.5px;
        border: 1px solid rgba(255, 255, 255, 0.4);
        background: rgba(255, 255, 255, 0.1);
        color: white;
    }

    .top-bar-btn:last-child {
        background: var(--accent);
        border-color: var(--accent);
        color: white;
    }

    /* Header */
    .main-header {
        height: 70px;
        position: relative;
        display: flex;
        align-items: center;
        justify-content: space-between;
    }

    .logo-main {
        font-size: 22px;
    }

    .logo-group {
        order: 1;
        flex-shrink: 0;
    }

    /* Hide Desktop Nav */
    .main-nav {
        display: none;
    }

    /* Header Actions: Hide on mobile (now in top-bar) */
    .header-actions {
        display: flex;
        gap: 8px;
        order: 4;
    }

    /* Hide action buttons on mobile */
    .header-actions .btn-become-client,
    .header-actions .btn-client-access,
    .header-actions .btn-search {
        display: none;
    }

    /* Language switcher positioned at far right */
    .lang-switcher {
        margin-left: 0;
    }

    /* Mobile Menu Toggle */
    .mobile-menu-toggle {
        display: block !important;
        font-size: 24px;
        cursor: pointer;
        padding: 8px;
        order: 3;
        margin-left: auto;
        margin-right: 0;
    }

    /* Hero Section */
    .hero-section {
        height: auto;
        padding: 60px 0;
    }

    .hero-content-wrapper {
        flex-direction: column;
        gap: 40px;
        text-align: center;
    }

    .hero-text {
        max-width: 100%;
        padding: 0;
    }

    .hero-text h1 {
        font-size: 36px;
    }

    .hero-links {
        display: flex;
        flex-direction: column;
        gap: 16px;
        align-items: center;
    }

    .hero-links .link-white {
        margin-right: 0;
    }

    /* Quick Access Grid */
    .quick-access-grid {
        grid-template-columns: repeat(2, 1fr);
    }

    .quick-access-bar {
        margin-top: 0;
    }

    /* Footer */
    .footer-main-grid {
        grid-template-columns: 1fr 1fr;
        gap: 32px;
    }
}

/* Max-width 768px: Mobile Phones */
@media (max-width: 768px) {

    /* Fonts */
    h1,
    .hero-text h1 {
        font-size: 30px;
    }

    h2,
    .section-title {
        font-size: 24px;
    }

    h3 {
        font-size: 20px;
    }

    /* Cards */
    .card-grid-3 {
        grid-template-columns: 1fr;
    }

    .news-card-pro {
        margin-bottom: 24px;
    }

    /* Login Widget */
    .login-widget {
        width: 100%;
        max-width: 100%;
        padding: 24px;
    }

    /* Stats or Features Grids if any */
    .features-grid,
    .stats-grid {
        grid-template-columns: 1fr;
    }

    /* Footer */
    .footer-main-grid {
        grid-template-columns: 1fr;
        gap: 24px;
    }

    .footer-bottom-links {
        flex-direction: column;
        align-items: center;
        gap: 12px;
    }

    .footer-bottom-links span {
        display: none;
        /* Hide separators */
    }

    /* Header adjustments */
    .logo-main {
        font-size: 18px;
    }

    .btn-search {
        display: none;
        /* Save space */
    }
}

/* Mobile Menu Overlay Styles (To be toggled via JS) */
.mobile-nav-overlay {
    position: fixed;
    top: 0;
    left: 0;
    width: 100%;
    height: 100vh;
    background: white;
    z-index: 9999;
    display: none;
    overflow-y: auto;
    animation: slideInRight 0.3s ease-out;
}

@keyframes slideInRight {
    from {
        transform: translateX(100%);
    }

    to {
        transform: translateX(0);
    }
}

.mobile-nav-overlay.active {
    display: block !important;
}

.mobile-nav-header {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 24px;
    border-bottom: 2px solid var(--accent);
    background: white;
}

.mobile-nav-list {
    padding: 30px 24px;
}

.mobile-nav-section {
    margin-bottom: 30px;
}

.mobile-nav-section-title {
    font-size: 12px;
    font-weight: 800;
    color: var(--swiss-gold);
    text-transform: uppercase;
    letter-spacing: 2px;
    margin-bottom: 15px;
}

.mobile-nav-list a {
    display: flex;
    align-items: center;
    gap: 15px;
    padding: 15px 0;
    color: var(--primary);
    font-size: 15px;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.5px;
    border-bottom: 1px solid var(--gray-100);
    transition: all 0.2s ease;
}

.mobile-nav-list a:hover {
    color: var(--accent);
    padding-left: 10px;
}

.mobile-nav-list a i {
    color: var(--accent);
    font-size: 14px;
    width: 20px;
}

/* =========================================
   SUB-PAGES & PREMIUM CONTENT
   ========================================= */

/* Page Headers */
.page-header {
    background: var(--swiss-silver);
    padding: 80px 0;
    border-bottom: 1px solid var(--gray-200);
    text-align: center;
}

.page-header h1 {
    font-size: 48px;
    color: var(--primary);
    margin-bottom: 20px;
    font-family: var(--font-serif);
}

.page-intro {
    font-size: 20px;
    color: var(--text-secondary);
    max-width: 800px;
    margin: 0 auto;
    line-height: 1.6;
}

/* Document/Download Cards (Pricing) */
.doc-card {
    background: white;
    border: 1px solid var(--gray-200);
    border-radius: 8px;
    padding: 30px;
    margin-bottom: 20px;
    display: flex;
    justify-content: space-between;
    align-items: center;
    transition: all 0.3s ease;
    box-shadow: 0 4px 6px rgba(0,0,0,0.02);
}

.doc-card:hover {
    border-color: var(--primary);
    box-shadow: var(--shadow-premium);
    transform: translateY(-3px);
}

.doc-content {
    display: flex;
    align-items: center;
    gap: 20px;
}

.doc-icon {
    font-size: 32px;
    color: var(--accent);
}

/* Tables (Pricing) */
.fees-table {
    width: 100%;
    border-collapse: collapse;
    font-size: 15px;
    margin-top: 30px;
    background: white;
    border-radius: 8px;
    overflow: hidden;
    box-shadow: var(--shadow-premium);
}

.fees-table th {
    text-align: left;
    padding: 20px;
    background: var(--primary);
    color: white;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 1px;
    font-size: 13px;
}

.fees-table td {
    padding: 20px;
    border-bottom: 1px solid var(--gray-100);
    color: var(--text-primary);
}

.fees-table tr:last-child td {
    border-bottom: none;
}

.fees-price {
    text-align: right;
    font-weight: 800;
    color: var(--primary);
}

/* Legal & Text Layouts */
.content-wrapper-narrow {
    max-width: 850px;
    margin: 0 auto;
    padding: 60px 0;
}

.legal-block {
    margin-bottom: 50px;
}

.legal-block h3 {
    color: var(--primary);
    font-family: var(--font-serif);
    font-weight: 700;
    margin-bottom: 20px;
    font-size: 24px;
    border-left: 5px solid var(--accent);
    padding-left: 20px;
}

.legal-block p,
.legal-block li {
    color: var(--text-secondary);
    line-height: 1.8;
    margin-bottom: 15px;
}

/* Mobile Adjustments */
@media (max-width: 768px) {
    .section-title { font-size: 32px; }
    .hero-text h1 { font-size: 40px; }
    .page-header h1 { font-size: 36px; }
    
    .card-grid-3 {
        grid-template-columns: 1fr;
        gap: 30px;
    }
    
    .quick-access-grid {
        grid-template-columns: repeat(2, 1fr);
    }
    
    .footer-main-grid {
        grid-template-columns: 1fr;
    }
    
    .login-widget {
        width: 100%;
        padding: 30px;
    }
    
    .btn, .btn-primary, .btn-become-client, .btn-client-access {
        width: 100%;
        justify-content: center;
    }
}

/* Micro & Forbidden Loan Specific Heros */
.loan-micro-hero {
    background: linear-gradient(135deg, rgba(0, 33, 71, 0.94), rgba(15, 23, 42, 0.96)), 
                url('../img/micro_loan_banner.png') center/cover no-repeat !important;
    background-color: #002147 !important;
}

.loan-forbidden-hero {
    background: linear-gradient(135deg, rgba(0, 33, 71, 0.94), rgba(15, 23, 42, 0.96)), 
                url('https://images.unsplash.com/photo-1579621970795-87f127f311c9?auto=format&fit=crop&w=1920&q=80') center/cover no-repeat !important;
    background-color: #002147 !important;
}