/* Page styles for /index/, from acu-website index.html (tools/import-kit-page.py). */

/* ═══════════════════════════════════════════
   CSS RESET & VARIABLES
   ═══════════════════════════════════════════ */
*, *::before, *::after { margin: 0; padding: 0; box-sizing: border-box; }

:root {
  /* ACU Brand */
  --navy: #1B2A4A;
  --navy-light: #243658;
  --navy-dark: #111d33;
  --orange: #C75B12;
  --orange-light: #d9762e;
  --gold: #D4952B;
  --cream: #E8E6E2;
  --offwhite: #F2F0EC;
  --midgray: #6B7280;
  --slate: #1F2937;
  --teal: #005984;

  /* Neumorphism surface */
  --surface: #E8E4DF;
  --surface-light: #f0ede9;
  --surface-dark: #d4d0cb;

  /* Neumorphic shadows */
  --shadow-raised: 8px 8px 20px rgba(166,162,155,0.45), -8px -8px 20px rgba(255,255,255,0.8);
  --shadow-raised-sm: 4px 4px 10px rgba(166,162,155,0.4), -4px -4px 10px rgba(255,255,255,0.7);
  --shadow-inset: inset 4px 4px 10px rgba(166,162,155,0.4), inset -4px -4px 10px rgba(255,255,255,0.7);
  --shadow-raised-hover: 10px 10px 25px rgba(166,162,155,0.5), -10px -10px 25px rgba(255,255,255,0.85);

  /* Dark neumorphism */
  --dark-surface: #1B2A4A;
  --dark-shadow-raised: 8px 8px 20px rgba(10,16,30,0.6), -8px -8px 20px rgba(40,55,90,0.3);
  --dark-shadow-inset: inset 4px 4px 10px rgba(10,16,30,0.5), inset -4px -4px 10px rgba(40,55,90,0.25);

  /* Animation */
  --ease-out-expo: cubic-bezier(0.16, 1, 0.3, 1);
  --ease-out-quart: cubic-bezier(0.25, 1, 0.5, 1);

  /* Spacing */
  --section-pad: clamp(80px, 10vw, 140px);
}

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

body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
  background: var(--surface);
  color: var(--slate);
  line-height: 1.6;
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
}

.baumans { font-family: 'futura-pt', 'Futura PT', 'Futura', 'Baumans', sans-serif; }

/* ═══════════════════════════════════════════
   GLOBAL ANIMATIONS
   ═══════════════════════════════════════════ */
@keyframes fadeInUp {
  from { opacity: 0; transform: translateY(50px); }
  to { opacity: 1; transform: translateY(0); }
}

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

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

@keyframes scaleIn {
  from { opacity: 0; transform: scale(0.9); }
  to { opacity: 1; transform: scale(1); }
}

@keyframes float {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-12px); }
}

@keyframes gradientShift {
  0% { background-position: 0% 50%; }
  50% { background-position: 100% 50%; }
  100% { background-position: 0% 50%; }
}

@keyframes pulse-ring {
  0% { transform: scale(0.9); opacity: 0.6; }
  100% { transform: scale(1.3); opacity: 0; }
}

@keyframes shimmer {
  0% { background-position: -200% 0; }
  100% { background-position: 200% 0; }
}

@keyframes orbit {
  from { transform: rotate(0deg) translateX(140px) rotate(0deg); }
  to { transform: rotate(360deg) translateX(140px) rotate(-360deg); }
}

.reveal {
  opacity: 0;
  transform: translateY(40px);
  transition: opacity 0.9s var(--ease-out-expo), transform 0.9s var(--ease-out-expo);
}

.reveal.visible {
  opacity: 1;
  transform: translateY(0);
}

.reveal-left {
  opacity: 0;
  transform: translateX(-50px);
  transition: opacity 0.9s var(--ease-out-expo), transform 0.9s var(--ease-out-expo);
}
.reveal-left.visible { opacity: 1; transform: translateX(0); }

.reveal-right {
  opacity: 0;
  transform: translateX(50px);
  transition: opacity 0.9s var(--ease-out-expo), transform 0.9s var(--ease-out-expo);
}
.reveal-right.visible { opacity: 1; transform: translateX(0); }

.stagger-1 { transition-delay: 0.1s; }
.stagger-2 { transition-delay: 0.2s; }
.stagger-3 { transition-delay: 0.3s; }
.stagger-4 { transition-delay: 0.4s; }
.stagger-5 { transition-delay: 0.5s; }
.stagger-6 { transition-delay: 0.6s; }

/* ═══════════════════════════════════════════
   PRELOADER
   ═══════════════════════════════════════════ */
#preloader {
  position: fixed;
  inset: 0;
  z-index: 10000;
  background: var(--navy);
  display: flex;
  align-items: center;
  justify-content: center;
  transition: opacity 0.6s ease, visibility 0.6s ease;
}
#preloader.hidden { opacity: 0; visibility: hidden; pointer-events: none; }
#preloader .loader-ring {
  width: 60px; height: 60px;
  border: 3px solid rgba(255,255,255,0.1);
  border-top-color: var(--orange);
  border-radius: 50%;
  animation: spin 0.8s linear infinite;
}
@keyframes spin { to { transform: rotate(360deg); } }


/* ═══════════════════════════════════════════
   NAVIGATION
   ═══════════════════════════════════════════ */
.nav {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  padding: 24px 40px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  transition: all 0.5s var(--ease-out-quart);
  background: transparent;
}

.nav.scrolled {
  padding: 12px 40px;
  background: rgba(232,228,223,0.85);
  backdrop-filter: blur(20px) saturate(180%);
  -webkit-backdrop-filter: blur(20px) saturate(180%);
  box-shadow: 0 1px 30px rgba(27,42,74,0.08);
}

.nav-logo img {
  height: 120px;
  transition: all 0.5s var(--ease-out-quart);
  filter: brightness(0) invert(1);
}
.nav.scrolled .nav-logo img {
  height: 38px;
  filter: none;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 6px;
  list-style: none;
}

.nav-links a {
  color: white;
  text-decoration: none;
  font-size: 0.875rem;
  font-weight: 500;
  padding: 8px 16px;
  border-radius: 12px;
  transition: all 0.3s ease;
  position: relative;
  letter-spacing: 0.01em;
}

.nav-links a:hover {
  background: rgba(255,255,255,0.12);
}
.nav.scrolled .nav-links a {
  color: var(--navy);
}
.nav.scrolled .nav-links a:hover {
  background: rgba(27,42,74,0.06);
  box-shadow: var(--shadow-raised-sm);
}

.nav-cta {
  background: var(--orange) !important;
  color: white !important;
  padding: 10px 24px !important;
  border-radius: 14px !important;
  font-weight: 600 !important;
  box-shadow: 0 4px 15px rgba(199,91,18,0.3) !important;
  transition: all 0.3s ease !important;
}
.nav.scrolled .nav-cta {
  background: var(--navy) !important;
  box-shadow: var(--shadow-raised-sm) !important;
}
.nav-cta:hover {
  background: var(--gold) !important;
  transform: translateY(-2px);
  box-shadow: 0 8px 25px rgba(212,149,43,0.4) !important;
}
.nav.scrolled .nav-cta:hover {
  background: var(--orange) !important;
  box-shadow: 0 8px 25px rgba(199,91,18,0.3) !important;
}

/* Mobile Nav Toggle */
.nav-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  z-index: 1001;
  padding: 8px;
}
.nav-toggle span {
  width: 24px; height: 2px;
  background: white;
  border-radius: 2px;
  transition: all 0.3s ease;
}
.nav.scrolled .nav-toggle span {
  background: var(--navy);
}
.nav-toggle.active span:nth-child(1) { transform: rotate(45deg) translate(5px, 5px); }
.nav-toggle.active span:nth-child(2) { opacity: 0; }
.nav-toggle.active span:nth-child(3) { transform: rotate(-45deg) translate(5px, -5px); }

/* ═══════════════════════════════════════════
   HERO - Split Curtain
   ═══════════════════════════════════════════ */
.hero {
  min-height: 100vh;
  display: flex;
  position: relative;
  overflow: hidden;
  background: var(--navy);
}

/* Left Panel - Navy */
.hero-left {
  flex: 0 0 48%;
  background: var(--navy);
  padding: 160px 60px 80px;
  display: flex;
  flex-direction: column;
  justify-content: center;
  position: relative;
  z-index: 2;
}

.hero-est {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 32px;
  opacity: 0;
  animation: fadeInUp 0.8s var(--ease-out-expo) 0.3s forwards;
}
.hero-est-badge {
  font-family: 'futura-pt', 'Futura PT', 'Futura', 'Baumans', sans-serif;
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: white;
  background: rgba(199,91,18,0.15);
  border: 1px solid rgba(199,91,18,0.3);
  padding: 8px 20px;
  border-radius: 24px;
  display: inline-flex;
  align-items: center;
  gap: 8px;
}
.hero-est-dot {
  width: 8px; height: 8px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--orange), var(--gold));
}

.hero-title {
  font-family: 'futura-pt', 'Futura PT', 'Futura', 'Baumans', sans-serif;
  font-size: clamp(2.8rem, 5.5vw, 4.5rem);
  line-height: 1.08;
  color: white;
  margin-bottom: 24px;
  max-width: 600px;
  opacity: 0;
  animation: fadeInUp 0.8s var(--ease-out-expo) 0.5s forwards;
}
.hero-title .accent {
  background: linear-gradient(135deg, var(--orange), var(--gold));
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.hero-subtitle {
  font-size: 1.1rem;
  line-height: 1.7;
  color: rgba(255,255,255,0.6);
  margin-bottom: 40px;
  max-width: 480px;
  opacity: 0;
  animation: fadeInUp 0.8s var(--ease-out-expo) 0.7s forwards;
}

.hero-actions {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
  opacity: 0;
  animation: fadeInUp 0.8s var(--ease-out-expo) 0.9s forwards;
}
/* Fit the three hero CTAs (Become a Member / Log In / Explore Products) on one
   row at desktop; they stack full-width on mobile via the max-width rule. */
.hero-actions .btn-neu { padding: 15px 26px; }

/* Neumorphic Buttons */
.btn-neu {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 16px 36px;
  border-radius: 18px;
  font-size: 0.95rem;
  font-weight: 600;
  text-decoration: none;
  cursor: pointer;
  border: none;
  transition: all 0.35s var(--ease-out-quart);
}
.btn-primary {
  background: var(--navy);
  color: white;
  box-shadow: 6px 6px 16px rgba(27,42,74,0.35), -3px -3px 10px rgba(255,255,255,0.62);
}
.btn-primary:hover {
  background: var(--orange);
  transform: translateY(-3px);
  box-shadow: 0 12px 30px rgba(199,91,18,0.35);
}
.btn-secondary {
  background: var(--surface);
  color: var(--navy);
  box-shadow: var(--shadow-raised);
}
.btn-secondary:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-raised-hover);
}

/* Hero-specific button overrides */
.hero .btn-primary {
  background: linear-gradient(135deg, var(--orange), var(--gold));
  color: white;
  box-shadow: 0 8px 30px rgba(199,91,18,0.4);
}
.hero .btn-primary:hover {
  transform: translateY(-3px) scale(1.02);
  box-shadow: 0 12px 40px rgba(199,91,18,0.5);
}
.hero .btn-secondary {
  background: transparent;
  color: white;
  border: 1.5px solid rgba(255,255,255,0.25);
  box-shadow: none;
}
.hero .btn-secondary:hover {
  border-color: var(--gold);
  color: var(--gold);
  transform: translateY(-2px);
  box-shadow: none;
}
.btn-icon {
  width: 20px; height: 20px;
  transition: transform 0.3s ease;
}
.btn-primary:hover .btn-icon,
.btn-secondary:hover .btn-icon { transform: translateX(4px); }

/* Hero Trust Strip */
.hero-trust {
  display: flex;
  gap: 32px;
  flex-wrap: wrap;
  margin-top: 48px;
  padding-top: 32px;
  border-top: 1px solid rgba(255,255,255,0.1);
  opacity: 0;
  animation: fadeInUp 0.8s var(--ease-out-expo) 1.1s forwards;
}
.hero-trust-item {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 0.78rem;
  font-weight: 600;
  color: rgba(255,255,255,0.55);
  text-transform: uppercase;
  letter-spacing: 0.06em;
}
.hero-trust-icon {
  width: 22px; height: 22px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--orange), var(--gold));
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.hero-trust-icon svg { width: 12px; height: 12px; fill: white; }

/* Right Panel - Image */
.hero-right {
  flex: 1;
  position: relative;
  overflow: hidden;
}
.hero-right img {
  width: 100%; height: 100%;
  object-fit: cover;
  object-position: center 20%;
}
.hero-right::after {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(to right, rgba(27,42,74,0.18), transparent 40%);
  z-index: 1;
}

/* Floating Rate Card */
.hero-rate-card {
  position: absolute;
  bottom: 48px; right: 48px;
  z-index: 5;
  width: 260px;
  background: rgba(232,228,223,0.85);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  border-radius: 22px;
  padding: 28px;
  box-shadow: 0 12px 40px rgba(0,0,0,0.15), 0 0 0 1px rgba(255,255,255,0.3);
  opacity: 0;
  animation: fadeInRight 0.9s var(--ease-out-expo) 1s forwards;
}
.hero-rate-value {
  font-family: 'futura-pt', 'Futura PT', 'Futura', 'Baumans', sans-serif;
  font-size: 2.8rem;
  color: var(--navy);
  line-height: 1;
  letter-spacing: -0.02em;
}
.hero-rate-value span { font-size: 1.6rem; }
.hero-rate-label {
  font-size: 0.78rem;
  color: var(--midgray);
  margin-top: 4px;
  font-weight: 500;
  text-transform: uppercase;
  letter-spacing: 0.04em;
}
.hero-rate-divider {
  width: 100%;
  height: 1px;
  background: rgba(27,42,74,0.1);
  margin: 16px 0;
}
.hero-rate-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--orange);
  text-decoration: none;
  transition: gap 0.3s ease;
}
.hero-rate-link:hover { gap: 10px; }
.hero-rate-link svg { width: 14px; height: 14px; fill: var(--orange); }

/* Scroll indicator */
.scroll-indicator {
  position: absolute;
  bottom: 32px;
  left: calc(55% / 2);
  transform: translateX(-50%);
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 8px;
  opacity: 0;
  animation: fadeInUp 0.8s var(--ease-out-expo) 1.3s forwards;
  z-index: 3;
}
.scroll-indicator span {
  font-size: 0.7rem;
  text-transform: uppercase;
  letter-spacing: 0.15em;
  color: rgba(255,255,255,0.4);
}
.scroll-line {
  width: 1px; height: 40px;
  background: linear-gradient(to bottom, rgba(255,255,255,0.3), transparent);
  position: relative;
  overflow: hidden;
}
.scroll-line::after {
  content: '';
  position: absolute;
  top: -100%;
  width: 100%; height: 50%;
  background: var(--orange);
  animation: scrollPulse 2s ease-in-out infinite;
}
@keyframes scrollPulse {
  0% { top: -50%; }
  100% { top: 150%; }
}

/* ═══════════════════════════════════════════
   TRUST BAR
   ═══════════════════════════════════════════ */
.trust-bar {
  padding: 40px;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 60px;
  flex-wrap: wrap;
  position: relative;
  z-index: 2;
}

.trust-item {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 16px 28px;
  border-radius: 18px;
  background: var(--surface);
  box-shadow: var(--shadow-raised-sm);
  transition: all 0.3s ease;
}
.trust-item:hover {
  transform: translateY(-2px);
  box-shadow: var(--shadow-raised);
}
.trust-icon {
  width: 42px; height: 42px;
  background: linear-gradient(135deg, var(--navy), var(--navy-light));
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.trust-icon svg { width: 20px; height: 20px; fill: white; }
.trust-text {
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--navy);
  line-height: 1.3;
}
.trust-text small {
  display: block;
  font-weight: 400;
  color: var(--midgray);
  font-size: 0.75rem;
}

/* ═══════════════════════════════════════════
   SECTION STYLING
   ═══════════════════════════════════════════ */
.section {
  padding: var(--section-pad) 40px;
  position: relative;
}

.section-inner {
  max-width: 1280px;
  margin: 0 auto;
}

.section-header {
  text-align: center;
  margin-bottom: 64px;
}

.section-label {
  font-family: 'futura-pt', 'Futura PT', 'Futura', 'Baumans', sans-serif;
  font-size: 0.8rem;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--orange);
  margin-bottom: 16px;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 12px;
}
.section-label::before,
.section-label::after {
  content: '';
  width: 24px; height: 1px;
  background: var(--orange);
}

.section-title {
  font-family: 'futura-pt', 'Futura PT', 'Futura', 'Baumans', sans-serif;
  font-size: clamp(2rem, 4vw, 3rem);
  color: var(--navy);
  line-height: 1.15;
  margin-bottom: 16px;
}

.section-desc {
  font-size: 1.05rem;
  color: var(--midgray);
  max-width: 560px;
  margin: 0 auto;
  line-height: 1.65;
}

/* ═══════════════════════════════════════════
   PRODUCT CARDS (Neumorphic)
   ═══════════════════════════════════════════ */
.products-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 28px;
}

.product-card {
  background: var(--surface);
  border-radius: 24px;
  padding: 36px 30px;
  box-shadow: var(--shadow-raised);
  transition: all 0.4s var(--ease-out-quart);
  cursor: pointer;
  position: relative;
  overflow: hidden;
  text-decoration: none;
  color: inherit;
  display: flex;
  flex-direction: column;
}
.product-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0;
  width: 100%; height: 4px;
  background: linear-gradient(90deg, var(--orange), var(--gold));
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.4s var(--ease-out-quart);
}
.product-card:hover::before { transform: scaleX(1); }
.product-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-raised-hover);
}

.product-card-icon {
  width: 56px; height: 56px;
  border-radius: 18px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
  box-shadow: var(--shadow-raised-sm);
  transition: all 0.4s ease;
}
.product-card:hover .product-card-icon {
  box-shadow: var(--shadow-inset);
}
.product-card-icon svg { width: 28px; height: 28px; }
.product-card-icon.savings { background: linear-gradient(135deg, #e8f5e9, #c8e6c9); }
.product-card-icon.savings svg { fill: #2e7d32; }
.product-card-icon.checking { background: linear-gradient(135deg, #e3f2fd, #bbdefb); }
.product-card-icon.checking svg { fill: var(--teal); }
.product-card-icon.cards { background: linear-gradient(135deg, #fff3e0, #ffe0b2); }
.product-card-icon.cards svg { fill: var(--orange); }
.product-card-icon.loans { background: linear-gradient(135deg, #fce4ec, #f8bbd0); }
.product-card-icon.loans svg { fill: #c62828; }
.product-card-icon.home { background: linear-gradient(135deg, #e8eaf6, #c5cae9); }
.product-card-icon.home svg { fill: var(--navy); }
.product-card-icon.auto { background: linear-gradient(135deg, #f3e5f5, #ce93d8); }
.product-card-icon.auto svg { fill: #6a1b9a; }
.product-card-icon.business { background: linear-gradient(135deg, var(--cream), #d4cfc7); }
.product-card-icon.business svg { fill: var(--slate); }

.product-card-title {
  font-family: 'futura-pt', 'Futura PT', 'Futura', 'Baumans', sans-serif;
  font-size: 1.25rem;
  color: var(--navy);
  margin-bottom: 8px;
}

.product-card-desc {
  font-size: 0.875rem;
  color: var(--midgray);
  line-height: 1.6;
  margin-bottom: 20px;
  flex: 1 1 auto;
}

.product-card-rate {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  justify-content: flex-end;
  gap: 2px;
  margin-top: auto;
  min-height: 54px;
  padding-right: 52px;
}
.product-card-rate .rate {
  font-family: 'futura-pt', 'Futura PT', 'Futura', 'Baumans', sans-serif;
  font-size: 1.6rem;
  color: var(--orange);
}
.product-card-rate .rate-suffix {
  line-height: 1.35;
  font-size: 0.8rem;
  color: var(--midgray);
}

.product-card-arrow {
  position: absolute;
  bottom: 30px; right: 30px;
  width: 36px; height: 36px;
  border-radius: 50%;
  background: var(--surface);
  box-shadow: var(--shadow-raised-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  transition: all 0.3s ease;
}
.product-card:hover .product-card-arrow {
  background: var(--orange);
  box-shadow: 0 4px 12px rgba(199,91,18,0.3);
}
.product-card-arrow svg {
  width: 16px; height: 16px;
  fill: var(--navy);
  transition: all 0.3s ease;
}
.product-card:hover .product-card-arrow svg { fill: white; }

/* ═══════════════════════════════════════════
   RATES TICKER
   ═══════════════════════════════════════════ */
.rates-ticker-wrap {
  padding: 0 40px;
  margin-top: -20px;
  margin-bottom: 0;
  position: relative;
  z-index: 2;
}
.rates-ticker {
  max-width: 1280px;
  margin: 0 auto;
  background: var(--navy);
  border-radius: 20px;
  padding: 24px 36px;
  display: flex;
  align-items: center;
  gap: 40px;
  overflow: hidden;
  box-shadow: var(--dark-shadow-raised);
}
.rates-ticker-label {
  font-family: 'futura-pt', 'Futura PT', 'Futura', 'Baumans', sans-serif;
  color: var(--orange);
  font-size: 0.85rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  white-space: nowrap;
}
.rates-ticker-items {
  display: flex;
  gap: 36px;
  animation: ticker 30s linear infinite;
  white-space: nowrap;
}
.rates-ticker-item {
  display: flex;
  align-items: center;
  gap: 10px;
  color: white;
  font-size: 0.85rem;
}
.rates-ticker-item strong {
  color: var(--gold);
  font-family: 'futura-pt', 'Futura PT', 'Futura', 'Baumans', sans-serif;
  font-size: 1rem;
}
/* Pause control and hover/focus pause (audit ACU-18) */
.rates-ticker-pause {
  flex: none; width: 32px; height: 32px; border-radius: 50%;
  display: inline-flex; align-items: center; justify-content: center;
  background: rgba(255,255,255,0.1); color: white; border: 1px solid rgba(255,255,255,0.3); cursor: pointer;
}
.rates-ticker-pause:hover { background: rgba(255,255,255,0.2); }
.rates-ticker-pause:focus-visible { outline: 3px solid var(--gold); outline-offset: 2px; }
.rates-ticker-pause svg { width: 14px; height: 14px; }
.rates-ticker-pause .tp-play, .rates-ticker.paused .rates-ticker-pause .tp-pause { display: none; }
.rates-ticker.paused .rates-ticker-pause .tp-play { display: inline; }
.rates-ticker.paused .rates-ticker-items,
.rates-ticker:hover .rates-ticker-items,
.rates-ticker:focus-within .rates-ticker-items { animation-play-state: paused; }
@media (prefers-reduced-motion: reduce) { .rates-ticker-pause { display: none; } }
html.a11y-nomotion .rates-ticker-pause { display: none; }
@keyframes ticker {
  0% { transform: translateX(0); }
  100% { transform: translateX(-50%); }
}

/* ═══════════════════════════════════════════
   FEATURE SPLIT (Stripe-style)
   ═══════════════════════════════════════════ */
.feature-split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
}
.feature-split.reverse { direction: rtl; }
.feature-split.reverse > * { direction: ltr; }

.feature-visual {
  position: relative;
  border-radius: 28px;
  overflow: hidden;
  box-shadow: var(--shadow-raised);
}
.feature-visual img {
  width: 100%;
  display: block;
  border-radius: 28px;
  transition: transform 0.6s var(--ease-out-quart);
}
.feature-visual:hover img { transform: scale(1.03); }

.feature-visual-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(27,42,74,0.05), transparent);
  border-radius: 28px;
}

.feature-text .section-label { justify-content: flex-start; }
.feature-text .section-label::before { display: none; }

.feature-text .section-title {
  text-align: left;
  margin-bottom: 20px;
}

.feature-text p {
  font-size: 1rem;
  color: var(--midgray);
  line-height: 1.7;
  margin-bottom: 20px;
}

.feature-list {
  list-style: none;
  margin: 24px 0 32px;
}
.feature-list li {
  display: flex;
  align-items: flex-start;
  gap: 14px;
  padding: 10px 0;
  font-size: 0.95rem;
  color: var(--slate);
}
.feature-check {
  width: 24px; height: 24px;
  border-radius: 8px;
  background: linear-gradient(135deg, var(--orange), var(--gold));
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  margin-top: 1px;
}
.feature-check svg { width: 14px; height: 14px; fill: white; }

/* ═══════════════════════════════════════════
   PROMO CARDS (Glassmorphic)
   ═══════════════════════════════════════════ */
.promo-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 32px;
}

.promo-card {
  border-radius: 28px;
  overflow: hidden;
  position: relative;
  min-height: 340px;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  cursor: pointer;
  transition: all 0.5s var(--ease-out-quart);
  text-decoration: none;
  color: white;
  background: var(--navy);
}
.promo-card:nth-child(1) {
  background: linear-gradient(135deg, #1B2A4A 0%, #0a1a33 50%, #1a1a2e 100%);
}
.promo-card:nth-child(2) {
  background: linear-gradient(135deg, #2a1810 0%, #1B2A4A 60%, #0a1a33 100%);
}
.promo-card:hover { transform: translateY(-6px) scale(1.01); }

/* Decorative accent stripe */
.promo-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 4px;
  background: linear-gradient(90deg, var(--orange), var(--gold));
  z-index: 3;
}

/* Subtle glow accent */
.promo-card::after {
  content: '';
  position: absolute;
  top: -40%; right: -20%;
  width: 300px; height: 300px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(199,91,18,0.12) 0%, transparent 70%);
  z-index: 0;
  transition: opacity 0.5s ease;
}
.promo-card:hover::after { opacity: 1.5; }

.promo-card-bg {
  display: none;
}

.promo-card-content {
  position: relative;
  z-index: 2;
  padding: 40px 36px;
  display: flex;
  flex-direction: column;
  height: 100%;
  background: none;
}

.promo-card-label {
  font-size: 0.7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.14em;
  color: var(--navy);
  background: linear-gradient(135deg, var(--orange), var(--gold));
  padding: 6px 14px;
  border-radius: 8px;
  display: inline-flex;
  align-self: flex-start;
  margin-bottom: 20px;
}

.promo-card-title {
  font-family: 'futura-pt', 'Futura PT', 'Futura', 'Baumans', sans-serif;
  font-size: 1.7rem;
  margin-bottom: 14px;
  color: white;
  line-height: 1.2;
}

.promo-card-desc {
  font-size: 0.95rem;
  color: rgba(255,255,255,0.6);
  margin-bottom: 28px;
  line-height: 1.6;
  flex-grow: 1;
}

.promo-card-link {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--gold);
  padding: 12px 24px;
  border: 1.5px solid rgba(212,149,43,0.3);
  border-radius: 14px;
  align-self: flex-start;
  transition: all 0.3s ease;
}
.promo-card:hover .promo-card-link {
  gap: 12px;
  background: rgba(212,149,43,0.1);
  border-color: rgba(212,149,43,0.5);
}
.promo-card-link svg { width: 16px; height: 16px; fill: var(--gold); }

.promo-card-highlight {
  font-family: 'futura-pt', 'Futura PT', 'Futura', 'Baumans', sans-serif;
  font-size: 4.5rem;
  font-weight: 800;
  line-height: 1;
  margin-bottom: 8px;
  background: linear-gradient(135deg, var(--orange), var(--gold));
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}
.promo-card-highlight span {
  font-size: 2.5rem;
  vertical-align: super;
}

/* ═══════════════════════════════════════════
   DARK SECTION (Navy)
   ═══════════════════════════════════════════ */
.section-dark {
  background: var(--navy);
  position: relative;
  overflow: hidden;
}
.section-dark::before {
  content: '';
  position: absolute;
  top: -200px; right: -200px;
  width: 600px; height: 600px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(199,91,18,0.08), transparent 70%);
}

.section-dark .section-label { color: var(--gold); }
.section-dark .section-label::before,
.section-dark .section-label::after { background: var(--gold); }
.section-dark .section-title { color: white; }
.section-dark .section-desc { color: rgba(255,255,255,0.6); }

/* ═══════════════════════════════════════════
   TESTIMONIALS (Stripe carousel style)
   ═══════════════════════════════════════════ */
.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}

.testimonial-card {
  background: rgba(255,255,255,0.06);
  backdrop-filter: blur(10px);
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: 24px;
  padding: 36px;
  transition: all 0.4s var(--ease-out-quart);
}
.testimonial-card:hover {
  transform: translateY(-4px);
  border-color: rgba(199,91,18,0.3);
  background: rgba(255,255,255,0.08);
}

.testimonial-stars {
  display: flex;
  gap: 4px;
  margin-bottom: 20px;
}
.testimonial-stars svg { width: 18px; height: 18px; fill: var(--gold); }

.testimonial-text {
  font-size: 0.95rem;
  color: rgba(255,255,255,0.8);
  line-height: 1.7;
  margin-bottom: 24px;
  font-style: italic;
}

.testimonial-author {
  display: flex;
  align-items: center;
  gap: 14px;
}
.testimonial-avatar {
  width: 48px; height: 48px;
  border-radius: 14px;
  object-fit: cover;
  box-shadow: 0 4px 12px rgba(0,0,0,0.2);
}
.testimonial-name {
  font-size: 0.9rem;
  font-weight: 600;
  color: white;
}
.testimonial-role {
  font-size: 0.75rem;
  color: rgba(255,255,255,0.62);
}

/* ═══════════════════════════════════════════
   LOCATIONS INTERACTIVE
   ═══════════════════════════════════════════ */
.locations-content {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
}

.location-list {
  list-style: none;
  display: grid;
  gap: 10px;
}

.location-item {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 16px 20px;
  border-radius: 16px;
  background: var(--surface);
  box-shadow: var(--shadow-raised-sm);
  cursor: pointer;
  transition: all 0.3s var(--ease-out-quart);
  text-decoration: none;
  color: var(--navy);
}
.location-item:hover {
  box-shadow: var(--shadow-raised);
  transform: translateX(6px);
}
.location-pin {
  width: 36px; height: 36px;
  border-radius: 10px;
  background: var(--navy);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  transition: background 0.3s ease;
}
.location-item:hover .location-pin { background: var(--orange); }
.location-pin svg { width: 18px; height: 18px; fill: white; }
.location-name { font-weight: 600; font-size: 0.9rem; }
.location-detail { font-size: 0.75rem; color: var(--midgray); }

.locations-map-container {
  background: var(--surface);
  border-radius: 28px;
  box-shadow: var(--shadow-raised);
  padding: 20px;
  aspect-ratio: 4/3;
  display: flex;
  align-items: center;
  justify-content: center;
  position: relative;
  overflow: hidden;
}

/* Stylized map graphic */
.map-visual {
  width: 100%; height: 100%;
  background: linear-gradient(135deg, var(--surface-light), var(--surface-dark));
  border-radius: 20px;
  box-shadow: var(--shadow-inset);
  position: relative;
  display: flex;
  align-items: center;
  justify-content: center;
}

.map-visual svg {
  width: 80%;
  height: auto;
  opacity: 0.2;
}

.map-pin-animated {
  position: absolute;
  width: 16px; height: 16px;
  background: var(--orange);
  border-radius: 50%;
  top: 45%; left: 35%;
}
.map-pin-animated::after {
  content: '';
  position: absolute;
  inset: -6px;
  border: 2px solid var(--orange);
  border-radius: 50%;
  animation: pulse-ring 2s ease infinite;
}

/* ═══════════════════════════════════════════
   CTA SECTION
   ═══════════════════════════════════════════ */
.cta-section {
  text-align: center;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-dark) 100%);
  position: relative;
  overflow: hidden;
}
.cta-section::before {
  content: '';
  position: absolute;
  width: 800px; height: 800px;
  background: radial-gradient(circle, rgba(199,91,18,0.12), transparent 65%);
  top: -400px; left: 50%;
  transform: translateX(-50%);
}
.cta-section::after {
  content: '';
  position: absolute;
  bottom: -300px; right: -200px;
  width: 600px; height: 600px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(212,149,43,0.08), transparent 65%);
}

.cta-section .section-inner { position: relative; z-index: 2; }

.cta-title {
  font-family: 'futura-pt', 'Futura PT', 'Futura', 'Baumans', sans-serif;
  font-size: clamp(2.2rem, 4.5vw, 3.5rem);
  color: white;
  margin-bottom: 20px;
  line-height: 1.15;
}

.cta-desc {
  font-size: 1.1rem;
  color: rgba(255,255,255,0.6);
  max-width: 520px;
  margin: 0 auto 36px;
  line-height: 1.65;
}

.cta-actions {
  display: flex;
  gap: 16px;
  justify-content: center;
  flex-wrap: wrap;
}

.btn-glow {
  background: linear-gradient(135deg, var(--orange), var(--gold));
  color: white;
  padding: 18px 40px;
  border-radius: 18px;
  font-size: 1rem;
  font-weight: 600;
  text-decoration: none;
  display: inline-flex;
  align-items: center;
  gap: 10px;
  box-shadow: 0 8px 30px rgba(199,91,18,0.4);
  transition: all 0.35s ease;
  border: none;
  cursor: pointer;
}
.btn-glow:hover {
  transform: translateY(-3px) scale(1.02);
  box-shadow: 0 12px 40px rgba(199,91,18,0.5);
}

.btn-outline-light {
  color: white;
  border: 1.5px solid rgba(255,255,255,0.25);
  padding: 18px 40px;
  border-radius: 18px;
  font-size: 1rem;
  font-weight: 500;
  text-decoration: none;
  display: inline-flex;
  align-items: center;
  gap: 10px;
  transition: all 0.35s ease;
  background: transparent;
  cursor: pointer;
}
.btn-outline-light:hover {
  border-color: var(--gold);
  color: var(--gold);
  transform: translateY(-2px);
}

/* ═══════════════════════════════════════════
   FOOTER
   ═══════════════════════════════════════════ */
.footer {
  background: var(--slate);
  padding: 80px 40px 40px;
  color: rgba(255,255,255,0.7);
}

.footer-grid {
  max-width: 1280px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr 1fr;
  gap: 40px;
  padding-bottom: 60px;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}

.footer-brand img { height: 44px; margin-bottom: 16px; }
.footer-brand p {
  font-size: 0.85rem;
  line-height: 1.6;
  max-width: 280px;
  color: rgba(255,255,255,0.62);
}

.footer-col h4, .footer-col .footer-h {
  font-family: 'futura-pt', 'Futura PT', 'Futura', 'Baumans', sans-serif;
  font-size: 0.9rem;
  color: white;
  margin-bottom: 16px;
}

.footer-col ul { list-style: none; }
.footer-col li { margin-bottom: 10px; }
.footer-col a {
  color: rgba(255,255,255,0.62);
  text-decoration: none;
  font-size: 0.85rem;
  transition: color 0.3s ease;
}
.footer-col a:hover { color: var(--gold); }

.footer-contact-item {
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 12px;
  font-size: 0.85rem;
}
.footer-contact-item svg { width: 16px; height: 16px; fill: var(--gold); flex-shrink: 0; }

.footer-bottom {
  max-width: 1280px;
  margin: 0 auto;
  padding-top: 30px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 20px;
}

.footer-bottom p { font-size: 0.75rem; color: rgba(255,255,255,0.35); }

.footer-badges {
  display: flex;
  align-items: center;
  gap: 20px;
}
.footer-badges img { height: 32px; opacity: 0.6; }

.footer-social {
  display: flex;
  gap: 10px;
}
.footer-social a {
  width: 38px; height: 38px;
  border-radius: 12px;
  background: rgba(255,255,255,0.06);
  display: flex;
  align-items: center;
  justify-content: center;
  transition: all 0.3s ease;
}
.footer-social a:hover {
  background: var(--orange);
  transform: translateY(-2px);
}
.footer-social svg { width: 18px; height: 18px; fill: rgba(255,255,255,0.6); }
.footer-social a:hover svg { fill: white; }

/* ═══════════════════════════════════════════
   RESPONSIVE
   ═══════════════════════════════════════════ */
@media (max-width: 1024px) {
  .hero { flex-direction: column; }
  .hero-left { flex: 0 0 auto; min-height: 60vh; padding: 120px 40px 60px; }
  .hero-right { flex: 0 0 40vh; }
  .hero-rate-card { bottom: 24px; right: 24px; width: 220px; padding: 20px; }
  .hero-rate-value { font-size: 2.2rem; }
  .scroll-indicator { position: relative; bottom: auto; left: auto; transform: none; margin-top: 32px; align-items: flex-start; }
  .feature-split { grid-template-columns: 1fr; gap: 40px; }
  .feature-split.reverse { direction: ltr; }
  .promo-grid { grid-template-columns: 1fr; }
  .testimonials-grid { grid-template-columns: 1fr; }
  .locations-content { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 768px) {
  .nav { padding: 16px 20px; }
  .nav.scrolled { padding: 12px 20px; }
  .nav-links {
    display: none;
    position: fixed;
    top: 0; left: 0; right: 0; bottom: 0;
    background: rgba(232,228,223,0.98);
    backdrop-filter: blur(20px);
    flex-direction: column;
    align-items: center;
    justify-content: center;
    gap: 12px;
  }
  .nav-links.open { display: flex; }
  .nav-links.open a { color: var(--navy) !important; }
  .nav-links.open a:hover { background: rgba(27,42,74,0.06); }
  .nav-toggle { display: flex; }

  .hero-left { padding: 100px 20px 40px; min-height: 55vh; }
  .hero-right { flex: 0 0 35vh; }
  .hero-rate-card { display: none; }
  .hero-trust { gap: 16px; }
  .hero-trust-item { font-size: 0.7rem; }
  .section { padding: 60px 20px; }
  .section-header { margin-bottom: 40px; }
  .products-grid { grid-template-columns: 1fr; }

  .trust-bar { gap: 16px; padding: 20px; }
  .trust-item { padding: 12px 16px; }

  .rates-ticker-wrap { padding: 0 20px; }
  .rates-ticker { padding: 16px 20px; gap: 20px; }

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

  .hero-actions { flex-direction: column; }
  .btn-neu { justify-content: center; }

  .cta-actions { flex-direction: column; align-items: center; }
}


/* ═══════════════════════════════════════════
   COUNTER ANIMATION STYLE
   ═══════════════════════════════════════════ */
.stats-row {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  margin-top: 60px;
}
.stat-card {
  text-align: center;
  padding: 32px 20px;
  border-radius: 20px;
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(255,255,255,0.06);
  transition: all 0.3s ease;
}
.stat-card:hover {
  background: rgba(255,255,255,0.07);
  transform: translateY(-3px);
}
.stat-number {
  font-family: 'futura-pt', 'Futura PT', 'Futura', 'Baumans', sans-serif;
  font-size: 2.4rem;
  color: var(--gold);
  line-height: 1;
  margin-bottom: 6px;
}
.stat-label {
  font-size: 0.8rem;
  color: rgba(255,255,255,0.62);
  text-transform: uppercase;
  letter-spacing: 0.08em;
}

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

/* ═══════════════════════════════════════════
   SHIMMER EFFECT ON SECTION LABELS
   ═══════════════════════════════════════════ */
.shimmer-text {
  background: linear-gradient(90deg, var(--orange) 0%, var(--gold) 50%, var(--orange) 100%);
  background-size: 200% auto;
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
  animation: shimmer 3s linear infinite;
}

.product-card--video { padding: 0; position: relative; min-height: 260px; grid-column: auto; overflow: hidden; }
@media (min-width: 900px) { .product-card--video { grid-column: span 2; } }
.product-video { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; }
.product-video-overlay { position: relative; z-index: 2; height: 100%; display: flex; flex-direction: column; justify-content: flex-end; padding: 30px; background: linear-gradient(180deg, rgba(27,42,74,0) 30%, rgba(27,42,74,0.82) 100%); border-radius: 24px; }
.product-video-overlay h3 { font-family: 'futura-pt', 'Futura PT', 'Futura', 'Baumans', sans-serif; color: #fff; font-size: 1.5rem; margin-bottom: 6px; }
.product-video-overlay p { color: rgba(255,255,255,0.82); font-size: 0.95rem; margin-bottom: 12px; }
.product-video-cta { color: var(--gold); font-weight: 600; }
html.a11y-nomotion .product-video { display: none; }
html.a11y-nomotion .product-card--video { background: var(--navy); }