/* =============================================
   Livo Bank - Styles
   Design System & Global Styles
   ============================================= */

/* ---------- CSS Variables ---------- */
:root {
    --primary: #0057A0;
    --primary-dark: #003D73;
    --primary-light: #0070C0;
    --accent: #00A69C;
    --accent-dark: #00857D;
    --accent-light: #00C4B8;
    --gold: #C4A35A;
    --gold-light: #E8D5A3;

    --white: #FFFFFF;
    --gray-50: #FFFFFF;
    --gray-100: #F1F3F5;
    --gray-200: #E9ECEF;
    --gray-300: #DEE2E6;
    --gray-400: #CED4DA;
    --gray-500: #0070C0;
    --gray-600: #0057A0;
    --gray-700: #0057A0;
    --gray-800: #0057A0;
    --gray-900: #003D73;

    --success: #28A745;
    --warning: #FFC107;
    --danger: #DC3545;
    --info: #17A2B8;

    --font: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
    --shadow-sm: 0 1px 3px rgba(0,0,0,0.08);
    --shadow-md: 0 4px 12px rgba(0,0,0,0.1);
    --shadow-lg: 0 8px 30px rgba(0,0,0,0.12);
    --shadow-xl: 0 12px 40px rgba(0,0,0,0.15);
    --radius-sm: 6px;
    --radius-md: 10px;
    --radius-lg: 16px;
    --radius-xl: 24px;
    --transition: 0.3s cubic-bezier(0.4, 0, 0.2, 1);
}

/* ---------- Reset & Base ---------- */
*, *::before, *::after { margin: 0; padding: 0; box-sizing: border-box; }

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

body {
    font-family: var(--font);
    color: var(--gray-800);
    background: var(--white);
    line-height: 1.6;
    -webkit-font-smoothing: antialiased;
    overflow-x: hidden;
}

.container {
    max-width: 1280px;
    margin: 0 auto;
    padding: 0 24px;
}

a { text-decoration: none; color: inherit; transition: var(--transition); }
img { max-width: 100%; display: block; }
ul { list-style: none; }

/* ---------- Typography ---------- */
h1, h2, h3, h4, h5, h6 { font-weight: 700; line-height: 1.2; color: var(--gray-900); }

h1 { font-size: clamp(2.5rem, 5vw, 4rem); }
h2 { font-size: clamp(1.8rem, 3.5vw, 2.8rem); }
h3 { font-size: 1.25rem; }

/* ---------- Buttons ---------- */
.btn {
    display: inline-flex; align-items: center; gap: 8px;
    padding: 12px 28px; border-radius: var(--radius-md);
    font-weight: 600; font-size: 0.95rem; border: 2px solid transparent;
    cursor: pointer; transition: var(--transition); white-space: nowrap;
}

.btn-primary {
    background: var(--primary); color: var(--white);
    border-color: var(--primary);
}
.btn-primary:hover { background: var(--primary-dark); border-color: var(--primary-dark); transform: translateY(-2px); box-shadow: var(--shadow-md); }

.btn-outline {
    background: transparent; color: var(--primary);
    border-color: var(--primary);
}
.btn-outline:hover { background: var(--primary); color: var(--white); transform: translateY(-2px); }

.btn-white { background: var(--white); color: var(--primary); border-color: var(--white); }
.btn-white:hover { background: var(--gray-100); transform: translateY(-2px); }

.btn-outline-white { background: transparent; color: var(--white); border-color: rgba(255,255,255,0.5); }
.btn-outline-white:hover { background: rgba(255,255,255,0.15); border-color: var(--white); }

.btn-sm { padding: 8px 20px; font-size: 0.875rem; }
.btn-lg { padding: 16px 36px; font-size: 1.05rem; }

/* ---------- Section Utilities ---------- */
.section-header { text-align: center; margin-bottom: 56px; }
.section-tag {
    display: inline-block; padding: 6px 16px; border-radius: 50px;
    background: rgba(0,166,156,0.1); color: var(--accent);
    font-size: 0.85rem; font-weight: 600; letter-spacing: 0.5px;
    text-transform: uppercase; margin-bottom: 16px;
    text-decoration: none; transition: var(--transition); cursor: pointer;
}
a.section-tag:hover { background: rgba(0,166,156,0.2); color: var(--accent-dark); }
.tag-light { background: rgba(255,255,255,0.15); color: var(--white); }
.section-title { margin-top: 8px; color: var(--gray-900); }

/* =============================================
   UTILITY BAR
   ============================================= */
.utility-bar {
    background: var(--white); color: var(--gray-800);
    font-size: 0.8rem; padding: 6px 0;
}
.utility-bar .container { display: flex; justify-content: space-between; align-items: center; }
.utility-left, .utility-right { display: flex; align-items: center; gap: 20px; }
.utility-link { color: var(--gray-600); display: flex; align-items: center; gap: 6px; }
.utility-link:hover { color: var(--primary); }
.utility-link.highlight { color: var(--primary-light); font-weight: 600; }
.utility-link i { font-size: 0.7rem; }

/* =============================================
   MAIN HEADER
   ============================================= */
.main-header {
    background: var(--white);
    border-bottom: 1px solid var(--gray-200);
    position: sticky; top: 0; z-index: 1000;
    transition: var(--transition);
}
.main-header.scrolled {
    box-shadow: var(--shadow-md);
}
.header-inner {
    display: flex; align-items: center; justify-content: space-between;
    height: 80px;
}

/* Logo */
.logo { display: flex; align-items: center; gap: 12px; }
.logo-svg { width: 44px; height: 44px; }
.logo-text { display: flex; flex-direction: column; }
.logo-primary { font-weight: 700; font-size: 0.85rem; color: var(--primary); line-height: 1.2; direction: rtl; }

/* Navigation */
.main-nav { display: flex; }
.nav-list { display: flex; gap: 0; }
.nav-item { position: relative; }
.nav-link {
    display: flex; align-items: center; gap: 6px;
    padding: 28px 20px; font-weight: 600; font-size: 0.95rem;
    color: var(--gray-700); transition: var(--transition);
}
.nav-link i { font-size: 0.65rem; transition: var(--transition); }
.nav-link:hover, .nav-link.active { color: var(--primary); }
.nav-item:hover .nav-link i { transform: rotate(180deg); }

/* Mega Dropdown */
.mega-dropdown {
    position: absolute; top: 100%; left: 50%; transform: translateX(-50%) translateY(10px);
    background: var(--white); border-radius: var(--radius-lg);
    box-shadow: var(--shadow-xl); padding: 32px; min-width: 600px;
    opacity: 0; visibility: hidden; transition: var(--transition);
    border: 1px solid var(--gray-200);
}
.mega-dropdown::before {
    content: ''; position: absolute; top: -10px; left: 50%; transform: translateX(-50%);
    border-left: 10px solid transparent; border-right: 10px solid transparent;
    border-bottom: 10px solid var(--white);
}
.nav-item:hover .mega-dropdown { opacity: 1; visibility: visible; transform: translateX(-50%) translateY(0); }
.mega-small { min-width: 480px; }

.mega-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(140px, 1fr)); gap: 8px; }
.mega-col h4 { font-size: 0.75rem; text-transform: uppercase; letter-spacing: 1px; color: var(--accent); margin-bottom: 12px; font-weight: 700; }
.mega-col a {
    display: block; padding: 8px 12px; border-radius: var(--radius-sm);
    font-size: 0.9rem; color: var(--gray-600); transition: var(--transition);
}
.mega-col a:hover { background: var(--gray-100); color: var(--primary); }

/* Header Actions */
.header-actions { display: flex; align-items: center; gap: 12px; }
.hamburger { display: none; background: none; border: none; cursor: pointer; padding: 8px; }
.hamburger span { display: block; width: 24px; height: 2px; background: var(--gray-700); margin: 5px 0; transition: var(--transition); border-radius: 2px; }

/* =============================================
   HERO SECTION
   ============================================= */
.hero {
    position: relative; overflow: hidden;
    background: linear-gradient(135deg, var(--primary-dark) 0%, var(--primary) 50%, var(--accent-dark) 100%);
    padding: 100px 0 80px;
    min-height: 600px;
    display: flex; align-items: center;
}

.hero-bg {
    position: absolute; inset: 0; overflow: hidden;
}
.hero-bg-img {
    width: 100%; height: 100%; object-fit: cover; object-position: center;
}
.hero-gradient {
    position: absolute; inset: 0;
    background: linear-gradient(135deg, rgba(0,30,60,0.85) 0%, rgba(0,87,160,0.7) 50%, rgba(0,166,156,0.5) 100%);
}

.hero-content { position: relative; z-index: 2; max-width: 680px; }
.hero-badge {
    display: inline-block; padding: 8px 20px; border-radius: 50px;
    background: rgba(255,255,255,0.12); backdrop-filter: blur(10px);
    color: var(--accent-light); font-size: 0.85rem; font-weight: 600;
    letter-spacing: 1px; text-transform: uppercase; margin-bottom: 24px;
    border: 1px solid rgba(255,255,255,0.15);
}

.hero-title {
    color: var(--white); font-size: clamp(2.5rem, 5vw, 4.2rem);
    font-weight: 800; margin-bottom: 20px; line-height: 1.1;
}
.text-accent { color: var(--accent-light); }

.hero-subtitle {
    color: rgba(255,255,255,0.8); font-size: 1.15rem;
    max-width: 540px; margin-bottom: 36px; line-height: 1.7;
}

.hero-actions { display: flex; gap: 16px; margin-bottom: 56px; flex-wrap: wrap; }

.hero-stats {
    display: flex; align-items: center; gap: 36px;
    padding-top: 36px; border-top: 1px solid rgba(255,255,255,0.15);
}
.stat { text-align: left; }
.stat-number { font-size: 2.2rem; font-weight: 800; color: var(--white); }
.stat-suffix { font-size: 1.2rem; font-weight: 700; color: var(--accent-light); }
.stat-label { display: block; font-size: 0.85rem; color: rgba(255,255,255,0.6); margin-top: 2px; }
.stat-divider { width: 1px; height: 40px; background: rgba(255,255,255,0.2); }

/* =============================================
   QUICK ACTIONS
   ============================================= */
.quick-actions {
    margin-top: -40px; position: relative; z-index: 10; padding-bottom: 80px;
}
.quick-grid {
    display: grid; grid-template-columns: repeat(auto-fit, minmax(180px, 1fr)); gap: 16px;
}
.quick-card {
    background: var(--white); border-radius: var(--radius-lg);
    padding: 28px 20px; text-align: center;
    box-shadow: var(--shadow-lg); transition: var(--transition);
    border: 1px solid var(--gray-100);
}
.quick-card:hover {
    transform: translateY(-6px); box-shadow: var(--shadow-xl);
    border-color: var(--accent);
}
.quick-icon {
    width: 56px; height: 56px; border-radius: 50%;
    background: linear-gradient(135deg, var(--primary), var(--accent));
    display: flex; align-items: center; justify-content: center;
    margin: 0 auto 16px; color: var(--white); font-size: 1.2rem;
}
.quick-card h3 { font-size: 0.95rem; margin-bottom: 6px; color: var(--gray-900); }
.quick-card p { font-size: 0.8rem; color: var(--gray-500); line-height: 1.4; }

/* =============================================
   FEATURED PRODUCTS
   ============================================= */
.featured { padding: 80px 0; background: var(--gray-50); }

.product-tabs {
    display: flex; justify-content: center; gap: 8px; margin-bottom: 48px;
}
.tab-btn {
    padding: 10px 28px; border: 2px solid var(--gray-300);
    border-radius: 50px; background: var(--white);
    font-weight: 600; font-size: 0.9rem; color: var(--gray-600);
    cursor: pointer; transition: var(--transition);
}
.tab-btn:hover { border-color: var(--primary); color: var(--primary); }
.tab-btn.active { background: var(--primary); color: var(--white); border-color: var(--primary); }

.tab-content { display: none; }
.tab-content.active { display: block; animation: fadeInUp 0.4s ease; }

.product-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }

.product-card {
    background: var(--white); border-radius: var(--radius-lg);
    border: 1px solid var(--gray-200);
    transition: var(--transition); position: relative; overflow: hidden;
    display: flex; flex-direction: column;
}
.product-card:hover {
    transform: translateY(-4px); box-shadow: var(--shadow-lg);
    border-color: var(--accent);
}
.product-card.featured-card { border-color: var(--primary); }
.product-badge {
    position: absolute; top: 16px; right: 16px; z-index: 2;
    background: linear-gradient(135deg, var(--gold), var(--gold-light));
    color: var(--white); padding: 4px 14px; border-radius: 50px;
    font-size: 0.75rem; font-weight: 700; text-transform: uppercase;
}
.product-card-img {
    width: 100%; height: 200px; overflow: hidden;
}
.product-card-img img {
    width: 100%; height: 100%; object-fit: cover;
    transition: transform 0.5s ease;
}
.product-card:hover .product-card-img img {
    transform: scale(1.05);
}
.product-card-body {
    padding: 28px; flex: 1; display: flex; flex-direction: column;
}
.product-card-body p { flex: 1; }
.product-card-body .btn { margin-top: auto; }
.product-icon {
    width: 52px; height: 52px; border-radius: var(--radius-md);
    background: linear-gradient(135deg, rgba(0,87,160,0.1), rgba(0,166,156,0.1));
    display: flex; align-items: center; justify-content: center;
    color: var(--primary); font-size: 1.3rem; margin-bottom: 20px;
}
.product-card h3 { margin-bottom: 12px; }
.product-card:not(:has(.product-card-img)) .product-card-body,
.product-card:not(:has(.product-card-img)) > p { padding: 0; }
.product-card p { font-size: 0.9rem; color: var(--gray-600); margin-bottom: 20px; line-height: 1.6; }
.product-features { margin-bottom: 24px; }
.product-features li {
    padding: 6px 0; font-size: 0.88rem; color: var(--gray-600);
    display: flex; align-items: center; gap: 10px;
}
.product-features i { color: var(--accent); font-size: 0.75rem; }

/* =============================================
   PRODUCT CARD IMAGES
   ============================================= */

/* =============================================
   TAB BUTTON IMAGES
   ============================================= */
.tab-btn-with-img {
    display: inline-flex; align-items: center; gap: 10px;
    padding: 10px 24px;
}
.tab-thumb {
    width: 32px; height: 32px; border-radius: 8px;
    object-fit: cover; border: 2px solid var(--gray-200);
    transition: var(--transition);
}
.tab-btn-with-img.active .tab-thumb,
.tab-btn-with-img:hover .tab-thumb {
    border-color: var(--white);
}

/* =============================================
   CORPORATE PAGE STYLES
   ============================================= */

/* Page Hero variants */
.page-hero-corp, .page-hero-wealth, .page-hero-islamic, .page-hero-calc {
    position: relative; overflow: hidden;
    padding: 100px 0 80px;
    min-height: 420px;
    display: flex; align-items: center;
}
.page-hero-bg {
    position: absolute; inset: 0; overflow: hidden;
}
.page-hero-bg-img {
    width: 100%; height: 100%; object-fit: cover; object-position: center;
}
.page-hero-overlay {
    position: absolute; inset: 0;
}
.page-hero-corp .page-hero-overlay {
    background: linear-gradient(135deg, rgba(0,30,60,0.88) 0%, rgba(0,87,160,0.82) 50%, rgba(0,166,156,0.7) 100%);
}
.page-hero-wealth .page-hero-overlay {
    background: linear-gradient(135deg, rgba(26,26,46,0.9) 0%, rgba(22,33,62,0.85) 50%, rgba(15,52,96,0.8) 100%);
}
.page-hero-islamic .page-hero-overlay {
    background: linear-gradient(135deg, rgba(0,77,64,0.9) 0%, rgba(0,105,92,0.85) 50%, rgba(0,133,125,0.8) 100%);
}
.page-hero-calc .page-hero-overlay {
    background: linear-gradient(135deg, rgba(0,45,85,0.9) 0%, rgba(0,87,160,0.85) 50%, rgba(0,133,125,0.8) 100%);
}
.page-hero-content {
    position: relative; z-index: 2; max-width: 700px;
}
.page-hero-corp h1, .page-hero-wealth h1, .page-hero-islamic h1, .page-hero-calc h1 {
    color: var(--white); font-size: clamp(2rem, 4.5vw, 3.2rem);
    font-weight: 800; margin-bottom: 16px; line-height: 1.15;
}
.page-hero-corp p, .page-hero-wealth p, .page-hero-islamic p, .page-hero-calc p {
    color: rgba(255,255,255,0.8); font-size: 1.1rem;
    line-height: 1.7; max-width: 560px;
}
.text-accent-gold { color: var(--gold-light); }

/* Stats Section */
.corp-stats-section { padding: 48px 0; background: var(--gray-50); }
.stats-bar { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.stat-card {
    text-align: center; padding: 28px 20px;
    background: var(--white); border-radius: var(--radius-md);
    box-shadow: var(--shadow-sm); border: 1px solid var(--gray-100);
    transition: var(--transition);
}
.stat-card:hover {
    transform: translateY(-4px); box-shadow: var(--shadow-md);
    border-color: var(--accent);
}
.stat-card-icon {
    width: 48px; height: 48px; border-radius: 50%;
    background: linear-gradient(135deg, rgba(0,87,160,0.1), rgba(0,166,156,0.1));
    display: flex; align-items: center; justify-content: center;
    margin: 0 auto 12px; color: var(--primary); font-size: 1.1rem;
}
.stat-card .num { font-size: 1.8rem; font-weight: 800; color: var(--primary); }
.stat-card .label { font-size: 0.85rem; color: var(--gray-500); margin-top: 4px; }

/* Corporate Sections */
.corp-section { padding: 72px 0; border-bottom: 1px solid var(--gray-200); }
.corp-section-alt { background: var(--gray-50); }
.corp-grid {
    display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: center;
}
.corp-grid-reverse { direction: rtl; }
.corp-grid-reverse > * { direction: ltr; }

.corp-visual {
    border-radius: var(--radius-lg); overflow: hidden;
    box-shadow: var(--shadow-lg); position: relative;
    aspect-ratio: 4/3;
}
.corp-visual-img {
    width: 100%; height: 100%; object-fit: cover;
    transition: transform 0.6s ease;
}
.corp-visual:hover .corp-visual-img {
    transform: scale(1.05);
}

.corp-text .tag {
    display: inline-block; padding: 4px 14px; border-radius: 50px;
    background: rgba(0,166,156,0.1); color: var(--accent);
    font-size: 0.8rem; font-weight: 600; margin-bottom: 12px;
    text-transform: uppercase; letter-spacing: 0.5px;
}
.corp-text h2 { font-size: 1.8rem; margin-bottom: 16px; }
.corp-text p { color: var(--gray-600); line-height: 1.7; margin-bottom: 20px; }
.corp-text ul { margin-bottom: 24px; }
.corp-text ul li {
    padding: 8px 0; color: var(--gray-700);
    display: flex; align-items: flex-start; gap: 10px;
}
.corp-text ul li i { color: var(--accent); margin-top: 4px; flex-shrink: 0; }

/* Gold tag variant for wealth */
.tag-gold { background: rgba(196,163,90,0.1); color: var(--gold); }

/* Tier Cards (Wealth) */
.tier-cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; margin-top: 48px; }
.tier-card {
    border-radius: var(--radius-lg); padding: 32px 24px; text-align: center;
    border: 2px solid var(--gray-200); transition: var(--transition);
    background: var(--white);
}
.tier-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.tier-card.platinum { border-color: var(--gray-400); }
.tier-card.diamond { border-color: var(--primary); background: linear-gradient(135deg, rgba(0,87,160,0.02), rgba(0,166,156,0.02)); }
.tier-card.sovereign { border-color: var(--gold); background: linear-gradient(135deg, rgba(196,163,90,0.03), rgba(196,163,90,0.06)); }
.tier-card .tier-badge { font-size: 0.75rem; font-weight: 700; text-transform: uppercase; letter-spacing: 1px; margin-bottom: 12px; }
.tier-card h3 { font-size: 1.15rem; margin-bottom: 8px; }
.tier-card .min { font-size: 0.85rem; color: var(--gray-500); margin-bottom: 16px; }
.tier-card ul { text-align: left; }
.tier-card ul li { padding: 6px 0; font-size: 0.88rem; color: var(--gray-600); display: flex; align-items: center; gap: 8px; }
.tier-card ul li i { color: var(--accent); font-size: 0.7rem; }

/* Shariah Board (Islamic) */
.shariah-board {
    background: var(--gray-50); border-radius: var(--radius-lg);
    padding: 40px; margin: 48px 0; border: 1px solid var(--gray-200);
}
.shariah-board h3 { text-align: center; margin-bottom: 24px; }
.shariah-board p { text-align: center; color: var(--gray-600); max-width: 700px; margin: 0 auto; line-height: 1.7; }

/* Principles Grid (Islamic) */
.principles-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; margin-top: 48px; }
.principle-card { text-align: center; padding: 24px; border-radius: var(--radius-md); background: var(--white); border: 1px solid var(--gray-200); }
.principle-card i { font-size: 1.8rem; color: var(--accent); margin-bottom: 12px; }
.principle-card h4 { font-size: 0.95rem; margin-bottom: 8px; }
.principle-card p { font-size: 0.82rem; color: var(--gray-500); }

/* Calculator Info Section */
.calc-section-alt { background: var(--gray-50); }
.calc-info-section { padding: 0 0 80px; }
.info-cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.info-card { background: var(--gray-50); border-radius: var(--radius-md); padding: 24px; text-align: center; border: 1px solid var(--gray-200); overflow: hidden; position: relative; }
.info-card-img { width: 100%; height: 120px; overflow: hidden; border-radius: var(--radius-md); margin-bottom: 16px; }
.info-card-img img { width: 100%; height: 100%; object-fit: cover; }
.info-card i { font-size: 1.5rem; color: var(--primary); margin-bottom: 12px; }
.info-card h4 { font-size: 0.95rem; margin-bottom: 6px; }
.info-card p { font-size: 0.82rem; color: var(--gray-500); }

/* =============================================
   SECURITY SECTION
   ============================================= */
.security-section { padding: 80px 0; position: relative; overflow: hidden; }
.security-bg {
    position: absolute; inset: 0;
}
.security-bg-img {
    width: 100%; height: 100%; object-fit: cover;
}
.security-bg-overlay {
    position: absolute; inset: 0;
    background: linear-gradient(135deg, rgba(0,30,60,0.92) 0%, rgba(0,87,160,0.88) 100%);
}
.security-section .container { position: relative; z-index: 2; }
.security-section .section-header { margin-bottom: 48px; }
.security-section .section-tag { color: var(--accent-light); }
.security-section .section-title { color: var(--white); }
.security-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
.security-card {
    text-align: center; padding: 36px 24px; border-radius: var(--radius-lg);
    background: rgba(255,255,255,0.07); backdrop-filter: blur(12px);
    border: 1px solid rgba(255,255,255,0.12); transition: var(--transition);
}
.security-card:hover {
    border-color: var(--accent); transform: translateY(-4px);
    background: rgba(255,255,255,0.12);
    box-shadow: 0 8px 32px rgba(0,166,156,0.2);
}
.security-icon {
    width: 64px; height: 64px; border-radius: 50%;
    background: rgba(255,255,255,0.1);
    display: flex; align-items: center; justify-content: center;
    margin: 0 auto 20px; color: var(--accent-light); font-size: 1.5rem;
}
.security-card h3 { margin-bottom: 10px; font-size: 1.05rem; color: var(--white); }
.security-card p { font-size: 0.88rem; color: rgba(255,255,255,0.7); line-height: 1.6; }

/* =============================================
   CTA SECTION
   ============================================= */
.cta-section { padding: 0 0 80px; position: relative; overflow: hidden; }
.cta-bg {
    position: absolute; inset: 0;
}
.cta-bg-img {
    width: 100%; height: 100%; object-fit: cover; object-position: center;
}
.cta-bg-overlay {
    position: absolute; inset: 0;
    background: linear-gradient(135deg, rgba(0,87,160,0.9) 0%, rgba(0,166,156,0.85) 100%);
}
.cta-card {
    background: transparent;
    border-radius: var(--radius-xl); padding: 80px 64px; text-align: center;
    position: relative; z-index: 2;
}
.cta-card h2 { color: var(--white); font-size: 2.2rem; font-weight: 800; }
.cta-card p { color: rgba(255,255,255,0.85); margin: 16px 0 32px; font-size: 1.1rem; }
.cta-actions { display: flex; justify-content: center; gap: 16px; flex-wrap: wrap; }

/* =============================================
   FOOTER
   ============================================= */
.main-footer {
    background: var(--white); color: var(--gray-800);
    padding: 64px 0 0;
}
.main-footer .footer-grid {
    border-bottom-color: var(--gray-200);
}
.main-footer .footer-logo .logo-primary { color: var(--primary-dark); }
.main-footer .footer-social a {
    background: var(--gray-100); color: var(--gray-600);
}
.main-footer .footer-social a:hover { background: var(--primary); color: var(--white); }
.main-footer .footer-links h4 { color: var(--primary-dark); }
.main-footer .footer-links a { color: var(--gray-600); }
.main-footer .footer-links a:hover { color: var(--primary); }
.main-footer .footer-bottom { color: var(--gray-600); }

.footer-links a {
    display: block; padding: 4px 0; font-size: 0.88rem;
    color: var(--gray-500); transition: var(--transition);
}
.footer-links a:hover { color: var(--accent-light); padding-left: 4px; }

.footer-bottom {
    display: flex; justify-content: space-between; align-items: center;
    padding: 24px 0;
}
.footer-legal p { font-size: 0.82rem; }
.footer-legal-links { display: flex; gap: 24px; }
.footer-legal-links a { font-size: 0.82rem; color: var(--gray-500); }
.footer-legal-links a:hover { color: var(--accent-light); }

/* =============================================
   ANIMATIONS
   ============================================= */
@keyframes fadeInUp {
    from { opacity: 0; transform: translateY(20px); }
    to { opacity: 1; transform: translateY(0); }
}

@keyframes slideInLeft {
    from { opacity: 0; transform: translateX(-40px); }
    to { opacity: 1; transform: translateX(0); }
}

.animate-in {
    opacity: 0; transform: translateY(30px);
    transition: opacity 0.6s ease, transform 0.6s ease;
}
.animate-in.visible { opacity: 1; transform: translateY(0); }

/* =============================================
   RESPONSIVE
   ============================================= */
@media (max-width: 1024px) {
    .mega-dropdown { display: none !important; }
    .product-grid { grid-template-columns: repeat(2, 1fr); }
    .security-grid { grid-template-columns: repeat(2, 1fr); }
    .footer-grid { grid-template-columns: repeat(3, 1fr); }
    .corp-grid { gap: 36px; }
    .corp-text h2 { font-size: 1.5rem; }
}

@media (max-width: 768px) {
    .utility-bar { display: none; }
    .main-nav {
        position: fixed; top: 0; right: -100%; width: 80%; max-width: 320px;
        height: 100vh; background: var(--white); z-index: 2000;
        padding: 80px 24px 24px; box-shadow: -4px 0 20px rgba(0,0,0,0.15);
        transition: var(--transition); overflow-y: auto;
    }
    .main-nav.open { right: 0; }
    .nav-list { flex-direction: column; gap: 0; }
    .nav-link { padding: 14px 0; border-bottom: 1px solid var(--gray-100); }

    .hamburger { display: block; z-index: 2001; }
    .hamburger.active span:nth-child(1) { transform: rotate(45deg) translate(5px, 5px); }
    .hamburger.active span:nth-child(2) { opacity: 0; }
    .hamburger.active span:nth-child(3) { transform: rotate(-45deg) translate(5px, -5px); }

    .hero { padding: 60px 0 50px; min-height: auto; }
    .hero-stats { flex-wrap: wrap; gap: 20px; }
    .stat-divider { display: none; }

    .quick-grid { grid-template-columns: repeat(2, 1fr); gap: 12px; }
    .product-grid { grid-template-columns: 1fr; }
    .product-tabs { flex-wrap: wrap; justify-content: center; }
    .security-grid { grid-template-columns: 1fr; }

    .footer-grid { grid-template-columns: 1fr; gap: 32px; }
    .footer-bottom { flex-direction: column; gap: 12px; text-align: center; }

    .cta-card { padding: 40px 24px; }

    /* Corporate page responsive */
    .page-hero-corp, .page-hero-wealth, .page-hero-islamic, .page-hero-calc { padding: 80px 0 60px; min-height: 320px; }
    .page-hero-corp h1, .page-hero-wealth h1, .page-hero-islamic h1, .page-hero-calc h1 { font-size: clamp(1.6rem, 4vw, 2.4rem); }
    .page-hero-corp p, .page-hero-wealth p, .page-hero-islamic p, .page-hero-calc p { font-size: 1rem; }
    .stats-bar { grid-template-columns: repeat(2, 1fr); gap: 12px; }
    .stat-card { padding: 20px 16px; }
    .stat-card .num { font-size: 1.4rem; }
    .corp-grid, .wealth-grid { grid-template-columns: 1fr; gap: 32px; }
    .corp-grid-reverse, .wealth-grid-reverse { direction: ltr; }
    .corp-section { padding: 48px 0; }
    .corp-text h2, .wealth-text h2 { font-size: 1.4rem; }
    .tab-btn-with-img { padding: 8px 16px; gap: 8px; }
    .tab-thumb { width: 26px; height: 26px; }
    .tier-cards { grid-template-columns: 1fr; }
    .principles-grid { grid-template-columns: repeat(2, 1fr); }
    .info-cards { grid-template-columns: 1fr; }
}

@media (max-width: 480px) {
    .quick-grid { grid-template-columns: 1fr 1fr; gap: 10px; }
    .quick-card { padding: 20px 12px; min-width: 0; }
    .hero-actions { flex-direction: column; }
    .hero-actions .btn { width: 100%; justify-content: center; }
    .cta-actions { flex-direction: column; }
    .cta-actions .btn { width: 100%; justify-content: center; }
    .cta-card { padding: 40px 20px; }
    .cta-card h2 { font-size: 1.5rem; }
    .product-card-img { height: 160px; }
    .stats-bar { grid-template-columns: 1fr 1fr; gap: 8px; }
    .stat-card { padding: 16px 12px; }
    .stat-card .num { font-size: 1.2rem; }
    .stat-card-icon { width: 40px; height: 40px; font-size: 0.95rem; }
    .corp-visual { border-radius: var(--radius-md); }
    .corp-text h2 { font-size: 1.25rem; }
    .tab-thumb { width: 22px; height: 22px; }
}

/* =============================================
   OVERLAY (Mobile Nav)
   ============================================= */
.nav-overlay {
    position: fixed; inset: 0; background: rgba(0,0,0,0.5);
    z-index: 1999; opacity: 0; visibility: hidden; transition: var(--transition);
}
.nav-overlay.active { opacity: 1; visibility: visible; }

/* =============================================
   TOAST NOTIFICATIONS
   ============================================= */
.toast-container {
    position: fixed; top: 24px; right: 24px; z-index: 10000;
    display: flex; flex-direction: column; gap: 12px;
    pointer-events: none;
}
.toast {
    pointer-events: auto;
    display: flex; align-items: center; gap: 12px;
    padding: 16px 24px; border-radius: var(--radius-md);
    background: var(--white); color: var(--gray-800);
    box-shadow: 0 8px 32px rgba(0,0,0,0.15);
    font-size: 0.9rem; font-weight: 500;
    transform: translateX(120%); opacity: 0;
    transition: all 0.4s cubic-bezier(0.4, 0, 0.2, 1);
    border-left: 4px solid var(--primary);
    max-width: 420px;
}
.toast.show { transform: translateX(0); opacity: 1; }
.toast.hide { transform: translateX(120%); opacity: 0; }
.toast-icon { font-size: 1.2rem; flex-shrink: 0; }
.toast.success { border-left-color: var(--success); }
.toast.success .toast-icon { color: var(--success); }
.toast.error { border-left-color: var(--danger); }
.toast.error .toast-icon { color: var(--danger); }
.toast.warning { border-left-color: var(--warning); }
.toast.warning .toast-icon { color: var(--warning); }
.toast.info { border-left-color: var(--info); }
.toast.info .toast-icon { color: var(--info); }
.toast-close {
    margin-left: auto; cursor: pointer; background: none; border: none;
    color: var(--gray-400); font-size: 1rem; padding: 4px;
    transition: var(--transition);
}
.toast-close:hover { color: var(--gray-700); }

/* =============================================
   LOADING SPINNER
   ============================================= */
.spinner-overlay {
    position: fixed; inset: 0; background: rgba(255,255,255,0.85);
    z-index: 9999; display: flex; align-items: center; justify-content: center;
    opacity: 0; visibility: hidden; transition: var(--transition);
    backdrop-filter: blur(4px);
}
.spinner-overlay.active { opacity: 1; visibility: visible; }
.spinner {
    width: 48px; height: 48px; border: 4px solid var(--gray-200);
    border-top-color: var(--primary); border-radius: 50%;
    animation: spin 0.8s linear infinite;
}
.spinner-sm { width: 20px; height: 20px; border-width: 2px; }
.spinner-dark { border-color: rgba(255,255,255,0.2); border-top-color: var(--white); }
@keyframes spin { to { transform: rotate(360deg); } }

/* =============================================
   FORM VALIDATION STATES
   ============================================= */
.form-input.valid { border-color: var(--success); }
.form-input.invalid { border-color: var(--danger); }
.form-error {
    font-size: 0.8rem; color: var(--danger); margin-top: 6px;
    display: none; align-items: center; gap: 6px;
}
.form-error.show { display: flex; }
.form-success-msg {
    font-size: 0.8rem; color: var(--success); margin-top: 6px;
    display: none; align-items: center; gap: 6px;
}
.form-success-msg.show { display: flex; }

/* =============================================
   BUTTON ENHANCEMENTS
   ============================================= */
.btn { position: relative; overflow: hidden; }
.btn::after {
    content: ''; position: absolute; inset: 0;
    background: linear-gradient(120deg, transparent 30%, rgba(255,255,255,0.2) 50%, transparent 70%);
    transform: translateX(-100%); transition: transform 0.6s ease;
}
.btn:hover::after { transform: translateX(100%); }
.btn:active { transform: translateY(0) scale(0.98); }
.btn:disabled { opacity: 0.6; cursor: not-allowed; transform: none; }
.btn .spinner-sm { margin-right: 4px; }

/* =============================================
   CARD HOVER MICRO-INTERACTIONS
   ============================================= */
.product-card::before {
    content: ''; position: absolute; top: 0; left: 0; right: 0; height: 3px;
    background: linear-gradient(90deg, var(--primary), var(--accent));
    transform: scaleX(0); transform-origin: left;
    transition: transform 0.4s ease; border-radius: var(--radius-lg) var(--radius-lg) 0 0;
}
.product-card:hover::before { transform: scaleX(1); }

.security-card::before {
    content: ''; position: absolute; top: 0; left: 0; right: 0; height: 3px;
    background: linear-gradient(90deg, var(--accent), var(--primary));
    transform: scaleX(0); transform-origin: left;
    transition: transform 0.4s ease; border-radius: var(--radius-lg) var(--radius-lg) 0 0;
}
.security-card { position: relative; overflow: hidden; }
.security-card:hover::before { transform: scaleX(1); }

/* =============================================
   PAGE TRANSITION
   ============================================= */
.page-content { animation: pageIn 0.5s ease; }
@keyframes pageIn {
    from { opacity: 0; transform: translateY(16px); }
    to { opacity: 1; transform: translateY(0); }
}

/* =============================================
    FOCUS & ACCESSIBILITY
    ============================================= */
a:focus-visible, button:focus-visible, input:focus-visible, select:focus-visible, textarea:focus-visible {
    outline: 2px solid var(--primary);
    outline-offset: 2px;
}
.btn:focus-visible {
    outline: 2px solid var(--white);
    outline-offset: 3px;
    box-shadow: 0 0 0 5px rgba(0,87,160,0.4);
}
.btn-outline:focus-visible {
    outline-color: var(--primary);
    box-shadow: 0 0 0 5px rgba(0,87,160,0.15);
}
.sr-only {
    position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px;
    overflow: hidden; clip: rect(0,0,0,0); border: 0;
}
/* Skip to main content link */
.skip-link {
    position: absolute; top: -100%; left: 16px; z-index: 99999;
    padding: 12px 24px; background: var(--primary); color: var(--white);
    border-radius: var(--radius-md); font-weight: 600;
    transition: top 0.2s ease;
}
.skip-link:focus { top: 16px; }

/* =============================================
   FORM VALIDATION
   ============================================= */
.form-input.valid { border-color: var(--success); }
.form-input.invalid { border-color: var(--danger); }
.field-error {
    color: var(--danger); font-size: 0.8rem; font-weight: 500;
    margin-top: 4px; display: flex; align-items: center; gap: 4px;
}
.field-error::before { content: '\f06a'; font-family: 'Font Awesome 6 Free'; font-weight: 900; font-size: 0.7rem; }
@keyframes spin { to { transform: rotate(360deg); } }
.spinner-sm { display: inline-block; width: 16px; height: 16px; border: 2px solid rgba(255,255,255,0.3); border-top-color: #fff; border-radius: 50%; animation: spin .6s linear infinite; vertical-align: middle; margin-right: 6px; }

/* =============================================
   SCROLLBAR CUSTOM
   ============================================= */
::-webkit-scrollbar { width: 8px; }
::-webkit-scrollbar-track { background: var(--gray-100); }
::-webkit-scrollbar-thumb { background: var(--gray-400); border-radius: 4px; }
::-webkit-scrollbar-thumb:hover { background: var(--gray-500); }

/* =============================================
   SKELETON LOADING
   ============================================= */
.skeleton {
    background: linear-gradient(90deg, var(--gray-200) 25%, var(--gray-100) 50%, var(--gray-200) 75%);
    background-size: 200% 100%;
    animation: shimmer 1.5s infinite;
    border-radius: var(--radius-sm);
}
@keyframes shimmer {
    0% { background-position: 200% 0; }
    100% { background-position: -200% 0; }
}
.skeleton-text { height: 14px; margin-bottom: 8px; width: 80%; }
.skeleton-title { height: 22px; margin-bottom: 12px; width: 60%; }
.skeleton-card { height: 200px; border-radius: var(--radius-lg); }

/* =============================================
   BADGE / STATUS PILL
   ============================================= */
.badge {
    display: inline-flex; align-items: center; gap: 6px;
    padding: 4px 12px; border-radius: 50px;
    font-size: 0.75rem; font-weight: 600; text-transform: uppercase;
    letter-spacing: 0.5px;
}
.badge-success { background: rgba(40,167,69,0.1); color: var(--success); }
.badge-warning { background: rgba(255,193,7,0.1); color: #b8860b; }
.badge-danger { background: rgba(220,53,69,0.1); color: var(--danger); }
.badge-info { background: rgba(23,162,184,0.1); color: var(--info); }

/* =============================================
   TOOLTIP
   ============================================= */
[data-tooltip] { position: relative; cursor: help; }
[data-tooltip]::after {
    content: attr(data-tooltip);
    position: absolute; bottom: calc(100% + 8px); left: 50%;
    transform: translateX(-50%); padding: 8px 14px;
    background: var(--primary-dark); color: var(--white);
    font-size: 0.78rem; font-weight: 500; border-radius: var(--radius-sm);
    white-space: nowrap; opacity: 0; visibility: hidden;
    transition: all 0.2s ease; z-index: 100;
    box-shadow: 0 4px 12px rgba(0,0,0,0.2);
}
[data-tooltip]:hover::after { opacity: 1; visibility: visible; }

/* =============================================
    LOGO IMAGES
    ============================================= */
.logo-img { height: 40px; width: auto; object-fit: contain; }
.footer-logo .logo-img { height: 32px; }
.footer-svg { display: none; }

/* =============================================
    FEATURE CARDS (Shared across pages)
    ============================================= */
.feature-cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; margin-top: 48px; }
.feature-card-sm {
    background: var(--white); border: 1px solid var(--gray-200);
    border-radius: var(--radius-md); padding: 28px 24px; text-align: center;
    transition: var(--transition);
}
.feature-card-sm:hover {
    border-color: var(--accent); transform: translateY(-3px);
    box-shadow: var(--shadow-md);
}
.feature-card-sm i { font-size: 1.6rem; color: var(--primary); margin-bottom: 14px; display: block; }
.feature-card-sm h4 { font-size: 1rem; margin-bottom: 8px; }
.feature-card-sm p { font-size: 0.85rem; color: var(--gray-600); line-height: 1.6; }

@media (max-width: 1024px) {
    .feature-cards { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 768px) {
    .feature-cards { grid-template-columns: 1fr; }
}

/* =============================================
    PROMO BANNER CAROUSEL
    ============================================= */
.promo-section { padding: 48px 0 0; }
.promo-carousel {
    position: relative; overflow: hidden; border-radius: var(--radius-xl);
    box-shadow: var(--shadow-lg); margin: 0 auto; max-width: 1280px;
}
.promo-track {
    display: flex; transition: transform 0.5s cubic-bezier(0.4, 0, 0.2, 1);
}
.promo-slide {
    min-width: 100%; position: relative; aspect-ratio: 16/5.5; overflow: hidden;
}
.promo-slide img {
    width: 100%; height: 100%; object-fit: cover;
}
.promo-dots {
    display: flex; justify-content: center; gap: 10px; margin-top: 20px;
}
.promo-dot {
    width: 10px; height: 10px; border-radius: 50%; border: none;
    background: var(--gray-300); cursor: pointer; transition: var(--transition);
}
.promo-dot.active { background: var(--primary); width: 28px; border-radius: 5px; }
.promo-nav {
    position: absolute; top: 50%; transform: translateY(-50%);
    width: 44px; height: 44px; border-radius: 50%; border: none;
    background: rgba(255,255,255,0.9); color: var(--gray-800);
    cursor: pointer; display: flex; align-items: center; justify-content: center;
    font-size: 1.1rem; box-shadow: var(--shadow-md);
    transition: var(--transition); z-index: 5;
}
.promo-nav:hover { background: var(--white); transform: translateY(-50%) scale(1.1); }
.promo-nav.prev { left: 16px; }
.promo-nav.next { right: 16px; }

/* =============================================
    WAYS TO BANK
    ============================================= */
.ways-section { padding: 72px 0; background: var(--gray-50); }
.ways-grid {
    display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; margin-top: 40px;
}
.way-card {
    position: relative; border-radius: var(--radius-lg); overflow: hidden;
    aspect-ratio: 4/3.2; cursor: pointer; box-shadow: var(--shadow-sm);
    transition: var(--transition);
}
.way-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); }
.way-card img {
    width: 100%; height: 100%; object-fit: cover;
    transition: transform 0.5s ease;
}
.way-card:hover img { transform: scale(1.08); }
.way-card-overlay {
    position: absolute; inset: 0;
    background: linear-gradient(180deg, transparent 30%, rgba(0,30,60,0.75) 100%);
    display: flex; flex-direction: column; justify-content: flex-end;
    padding: 24px; color: var(--white);
}
.way-card-overlay h3 { font-size: 1.15rem; font-weight: 700; margin-bottom: 4px; }
.way-card-overlay p { font-size: 0.82rem; color: rgba(255,255,255,0.8); line-height: 1.4; }
.way-card-overlay .way-link {
    margin-top: 10px; font-size: 0.85rem; font-weight: 600; color: var(--accent-light);
    display: inline-flex; align-items: center; gap: 6px;
}

/* =============================================
    APP DOWNLOAD
    ============================================= */
.app-download-section {
    padding: 72px 0; background: linear-gradient(135deg, var(--primary-dark), var(--primary));
    color: var(--white); position: relative; overflow: hidden;
}
.app-download-section::before {
    content: ''; position: absolute; inset: 0;
    background: url('../assets/images/invest-livo.jpg') center/cover; opacity: 0.08;
}
.app-download-inner {
    display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: center;
    position: relative; z-index: 2;
}
.app-download-text h2 { color: var(--white); margin-bottom: 16px; font-size: 2.2rem; }
.app-download-text p { color: rgba(255,255,255,0.8); line-height: 1.7; margin-bottom: 28px; font-size: 1.05rem; }
.app-features { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; margin-bottom: 32px; }
.app-feature {
    display: flex; align-items: center; gap: 10px;
    padding: 12px 16px; background: rgba(255,255,255,0.08); border-radius: var(--radius-md);
}
.app-feature i { color: var(--accent-light); font-size: 1.1rem; }
.app-feature span { font-size: 0.9rem; color: rgba(255,255,255,0.9); }
.app-badges { display: flex; gap: 14px; flex-wrap: wrap; }
.app-badge {
    display: inline-flex; align-items: center; gap: 10px;
    padding: 12px 24px; border-radius: var(--radius-md);
    background: rgba(255,255,255,0.12); border: 1px solid rgba(255,255,255,0.2);
    color: var(--white); font-size: 0.88rem; font-weight: 500;
    transition: var(--transition);
}
.app-badge:hover { background: rgba(255,255,255,0.2); }
.app-badge i { font-size: 1.4rem; }
.app-badge small { display: block; font-size: 0.7rem; opacity: 0.7; font-weight: 400; }
.app-download-visual {
    display: flex; justify-content: center; align-items: center;
}
.app-download-visual img {
    max-width: 280px; filter: drop-shadow(0 20px 40px rgba(0,0,0,0.3));
}
.app-qr {
    text-align: center; margin-top: 16px;
}
.app-qr img { width: 120px; height: 120px; border-radius: var(--radius-md); margin: 0 auto 8px; background: var(--white); padding: 8px; }
.app-qr p { font-size: 0.78rem; color: rgba(255,255,255,0.6); }

/* =============================================
    CONSUMER PROTECTION
    ============================================= */
.consumer-section { padding: 72px 0; }
.consumer-grid {
    display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; margin-top: 40px;
}
.consumer-card {
    background: var(--white); border: 1px solid var(--gray-200); border-radius: var(--radius-lg);
    padding: 32px 28px; text-align: center; transition: var(--transition);
    position: relative; overflow: hidden;
}
.consumer-card:hover {
    border-color: var(--accent); transform: translateY(-4px); box-shadow: var(--shadow-lg);
}
.consumer-card::before {
    content: ''; position: absolute; top: 0; left: 0; right: 0; height: 3px;
    background: linear-gradient(90deg, var(--primary), var(--accent));
    transform: scaleX(0); transform-origin: left;
    transition: transform 0.4s ease;
}
.consumer-card:hover::before { transform: scaleX(1); }
.consumer-card i { font-size: 2rem; color: var(--primary); margin-bottom: 16px; }
.consumer-card h3 { font-size: 1.05rem; margin-bottom: 10px; }
.consumer-card p { font-size: 0.88rem; color: var(--gray-600); line-height: 1.6; }
.consumer-card a { display: inline-flex; align-items: center; gap: 6px; margin-top: 14px; color: var(--primary); font-weight: 600; font-size: 0.88rem; }
.consumer-card a:hover { color: var(--accent); }

/* =============================================
    SHARE PRICE TICKER
    ============================================= */
.ticker-section {
    padding: 28px 0; background: var(--white); color: var(--gray-800);
}
.ticker-inner {
    display: flex; align-items: center; justify-content: space-between; gap: 24px;
}
.ticker-label { display: flex; align-items: center; gap: 12px; }
.ticker-label img { height: 28px; }
.ticker-label span { font-weight: 700; font-size: 1rem; }
.ticker-price { display: flex; align-items: center; gap: 12px; }
.ticker-price .price { font-size: 1.5rem; font-weight: 700; }
.ticker-price .change { font-size: 0.88rem; padding: 4px 10px; border-radius: 50px; }
.ticker-price .change.up { background: rgba(40,167,69,0.15); color: #28a745; }
.ticker-price .change.down { background: rgba(220,53,69,0.15); color: #dc3545; }
.ticker-exchange { font-size: 0.82rem; color: var(--gray-500); }

/* =============================================
    NEWS SECTION
    ============================================= */
.news-section { padding: 72px 0; background: var(--gray-50); }
.news-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; margin-top: 40px; }
.news-card {
    background: var(--white); border-radius: var(--radius-lg); overflow: hidden;
    border: 1px solid var(--gray-200); transition: var(--transition);
}
.news-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.news-card-img {
    aspect-ratio: 16/9; overflow: hidden;
}
.news-card-img img { width: 100%; height: 100%; object-fit: cover; transition: transform 0.5s ease; }
.news-card:hover .news-card-img img { transform: scale(1.05); }
.news-card-body { padding: 24px; }
.news-card-date { font-size: 0.78rem; color: var(--gray-500); margin-bottom: 8px; }
.news-card-body h3 { font-size: 1.05rem; margin-bottom: 8px; line-height: 1.3; }
.news-card-body p { font-size: 0.88rem; color: var(--gray-600); line-height: 1.6; }
.news-card-body a { display: inline-flex; align-items: center; gap: 6px; margin-top: 12px; color: var(--primary); font-weight: 600; font-size: 0.88rem; }

@media (max-width: 1024px) {
    .ways-grid { grid-template-columns: repeat(2, 1fr); }
    .app-download-inner { grid-template-columns: 1fr; text-align: center; }
    .app-features { max-width: 400px; margin-left: auto; margin-right: auto; }
    .app-badges { justify-content: center; }
    .app-download-visual { order: -1; }
    .app-qr { margin-top: 24px; }
}
@media (max-width: 768px) {
    .promo-slide { aspect-ratio: 16/7; }
    .promo-nav { display: none; }
    .ways-grid { grid-template-columns: 1fr 1fr; gap: 12px; }
    .consumer-grid { grid-template-columns: 1fr; }
    .news-grid { grid-template-columns: 1fr; }
    .ticker-inner { flex-direction: column; text-align: center; }
}

/* =============================================
    TESTIMONIALS SECTION
    ============================================= */
.testimonials-section { padding: 72px 0; background: var(--white); }
.testimonials-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 24px; margin-top: 40px; }
.testimonial-card {
    background: var(--gray-50); border-radius: var(--radius-lg); padding: 32px;
    border: 1px solid var(--gray-200); transition: var(--transition);
}
.testimonial-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); border-color: var(--primary); }
.testimonial-stars { display: flex; gap: 3px; margin-bottom: 16px; }
.testimonial-stars i { color: #f59e0b; font-size: 0.85rem; }
.testimonial-text { font-size: 0.92rem; color: var(--gray-700); line-height: 1.7; margin-bottom: 20px; font-style: italic; }
.testimonial-author { display: flex; align-items: center; gap: 12px; }
.testimonial-avatar {
    width: 44px; height: 44px; border-radius: 50%; background: var(--primary);
    display: flex; align-items: center; justify-content: center; flex-shrink: 0;
}
.testimonial-avatar i { color: var(--white); font-size: 0.9rem; }
.testimonial-author strong { display: block; font-size: 0.88rem; color: var(--gray-800); }
.testimonial-author span { font-size: 0.78rem; color: var(--gray-500); }
@media (max-width: 768px) {
    .testimonials-grid { grid-template-columns: 1fr; }
}

/* =============================================
    WHO WE ARE SECTION
    ============================================= */
.who-we-are-section {
    padding: 5rem 0;
    background: var(--white);
}
.who-we-are-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 3rem;
    align-items: center;
}
.who-we-are-image {
    border-radius: 16px;
    overflow: hidden;
    box-shadow: 0 20px 60px rgba(0,0,0,0.12);
}
.who-we-are-image img {
    width: 100%;
    height: 380px;
    object-fit: cover;
    display: block;
    transition: transform 0.5s ease;
}
.who-we-are-image:hover img {
    transform: scale(1.03);
}
.who-we-are-content .section-tag {
    display: inline-block;
    font-size: 0.75rem;
    font-weight: 700;
    letter-spacing: 1.5px;
    text-transform: uppercase;
    color: var(--primary);
    margin-bottom: 12px;
}
.who-we-are-content .section-title {
    font-size: 2rem;
    font-weight: 800;
    color: var(--gray-900);
    margin-bottom: 16px;
    line-height: 1.2;
}
.who-we-are-desc {
    font-size: 1.05rem;
    color: var(--gray-600);
    line-height: 1.7;
    margin-bottom: 24px;
}
.who-we-are-stats {
    display: flex;
    gap: 2rem;
}
.who-stat {
    display: flex;
    flex-direction: column;
    padding: 16px 24px;
    background: var(--gray-50);
    border-radius: 12px;
    border-left: 4px solid var(--primary);
}
.who-stat-value {
    font-size: 1.1rem;
    font-weight: 800;
    color: var(--primary);
}
.who-stat-label {
    font-size: 0.78rem;
    color: var(--gray-500);
    margin-top: 4px;
}
@media (max-width: 768px) {
    .who-we-are-grid { grid-template-columns: 1fr; gap: 2rem; }
    .who-we-are-image img { height: 240px; }
    .who-we-are-stats { flex-direction: column; gap: 1rem; }
}

/* =============================================
    THEME TOGGLE BUTTON — Light Mode
    ============================================= */
.theme-toggle {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 40px;
    height: 40px;
    border-radius: 50%;
    border: 2px solid var(--gray-300);
    background: var(--white);
    color: var(--primary);
    cursor: pointer;
    transition: all 0.3s ease;
    font-size: 1rem;
    flex-shrink: 0;
}
.theme-toggle:hover {
    background: var(--gray-100);
    border-color: var(--primary);
    color: var(--primary-dark);
    transform: scale(1.08);
}
.theme-toggle:focus-visible {
    outline: 2px solid var(--accent);
    outline-offset: 2px;
}

/* =============================================
    PRINT STYLES
    ============================================= */
@media print {
    .utility-bar, .main-header, .toast-container,
    .cta-section, .main-footer, .nav-overlay { display: none !important; }
    body { font-size: 12pt; color: #000; }
    a { color: #000; text-decoration: underline; }
}