/* ============================================
   PROFICIENT GLOBAL — Premium Fintech Design
   Palette: Obsidian + Refined Gold accent
   Inspired by: Stripe, Linear, Arc, G7FX
   ============================================ */

:root {
  /* Backgrounds — light, airy, off-white dominant */
  --bg-base:       #F7F7F7;
  --bg-primary:    #FFFFFF;
  --bg-card:       #FFFFFF;
  --bg-elevated:   #F7F7F7;
  --bg-hover:      #E1E1E1;
  --bg-glass:      rgba(46, 59, 91, 0.04);

  /* Gold — softer brand tone */
  --gold:          #f0d687;
  --gold-bright:   #f5e1a3;
  --gold-muted:    #d9b95c;
  --gold-glow:     rgba(240, 214, 135, 0.20);
  --gold-gradient: linear-gradient(135deg, #f0d687 0%, #f5e1a3 50%, #f0d687 100%);

  /* Navy accent (brand) */
  --navy:          #2e3b5b;
  --navy-deep:     #243049;
  --dark-card:     #2e3b5b;            /* brand navy — used for dark contrast bands */
  --dark-border:   rgba(255,255,255,0.12);

  /* Text — dark-on-light hierarchy */
  --text-primary:   #222222;
  --text-secondary: #3B3B3B;
  --text-tertiary:  #2e3b5b;
  --text-muted:     #6B6B76;

  /* Borders — navy-tinted, subtle */
  --border:        rgba(46, 59, 91, 0.08);
  --border-hover:  rgba(46, 59, 91, 0.16);
  --border-active: rgba(46, 59, 91, 0.30);
  --border-gold:   rgba(240, 214, 135, 0.50);

  /* Status */
  --green: #22C55E;
  --red:   #EF4444;

  /* Typography */
  --font: 'Manrope', -apple-system, BlinkMacSystemFont, 'Segoe UI', system-ui, sans-serif;
  --font-heading: 'GFS Didot', 'Georgia', serif;

  /* Spacing — 8px grid */
  --space-xs: 4px;
  --space-sm: 8px;
  --space-md: 16px;
  --space-lg: 24px;
  --space-xl: 32px;
  --space-2xl: 48px;
  --space-3xl: 64px;
  --space-4xl: 80px;
  --space-5xl: 120px;

  /* Radius — consistent */
  --radius-sm: 6px;
  --radius-md: 10px;
  --radius-lg: 14px;
  --radius-xl: 18px;

  /* Transitions */
  --ease: cubic-bezier(0.25, 1, 0.5, 1);
}

/* ---- RESET ---- */
*, *::before, *::after { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
  font-family: var(--font);
  background: var(--bg-base);
  color: var(--text-secondary);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  text-rendering: optimizeLegibility;
  overflow-x: hidden;
}
a { text-decoration: none; color: inherit; transition: color 0.2s var(--ease); }
img { max-width: 100%; height: auto; display: block; }
ul { list-style: none; }
button { cursor: pointer; border: none; background: none; font-family: var(--font); }

/* ---- CONTAINER ---- */
.container { max-width: 1120px; margin: 0 auto; padding: 0 var(--space-lg); }

/* ---- NOISE TEXTURE ---- */
body::after {
  content: '';
  position: fixed;
  inset: 0;
  background: url("data:image/svg+xml,%3Csvg viewBox='0 0 256 256' xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='noise'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.9' numOctaves='4' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23noise)' opacity='0.03'/%3E%3C/svg%3E");
  pointer-events: none;
  z-index: 9999;
  opacity: 0.4;
}

/* ============================================
   TYPOGRAPHY
   ============================================ */
h1, h2, h3, h4, h5 {
  font-family: var(--font-heading);
  color: var(--text-primary);
  font-weight: 700;
  line-height: 1.15;
  letter-spacing: -0.01em;
}
h1 { font-size: clamp(2.25rem, 5vw, 3.75rem); letter-spacing: -0.02em; }
h2 { font-size: clamp(1.75rem, 3.5vw, 2.75rem); }
h3 { font-size: clamp(1.15rem, 2vw, 1.5rem); }
h4 { font-size: 1.05rem; }

.section-label {
  font-size: 0.7rem;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: var(--space-md);
  display: block;
}
.section-title { margin-bottom: var(--space-md); }
.section-subtitle {
  font-size: 1.05rem;
  color: var(--text-secondary);
  max-width: 540px;
  line-height: 1.7;
}
.gold-text {
  background: var(--gold-gradient);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}
.text-center { text-align: center; }
.mx-auto { margin-left: auto; margin-right: auto; }

/* ============================================
   BUTTONS
   ============================================ */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 13px 28px;
  border-radius: var(--radius-md);
  font-size: 0.875rem;
  font-weight: 600;
  letter-spacing: -0.01em;
  transition: all 0.2s var(--ease);
  position: relative;
}
.btn-primary {
  background: var(--gold);
  color: #2e3b5b;
  font-weight: 700;
}
.btn-primary:hover {
  background: var(--gold-bright);
  transform: translateY(-1px);
  box-shadow:
    0 4px 12px rgba(201, 168, 76, 0.25),
    0 0 40px rgba(201, 168, 76, 0.08);
}
.btn-primary:active { transform: scale(0.98); }

.btn-secondary {
  background: transparent;
  color: var(--text-primary);
  border: 1px solid var(--border-hover);
}
.btn-secondary:hover {
  background: rgba(255, 255, 255, 0.04);
  border-color: var(--border-active);
  transform: translateY(-1px);
}
.btn-dark {
  background: var(--bg-elevated);
  color: var(--text-primary);
  border: 1px solid var(--border);
}
.btn-dark:hover { background: var(--bg-hover); border-color: var(--border-hover); }
.btn-sm { padding: 10px 20px; font-size: 0.8rem; }
.btn-lg { padding: 16px 36px; font-size: 0.9rem; }

/* ============================================
   NAVIGATION
   ============================================ */
.topbar {
  background: var(--bg-card);
  border-bottom: 1px solid var(--border);
  padding: 8px 0;
  font-size: 0.75rem;
  color: var(--text-tertiary);
}
.topbar-inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 8px;
}
.topbar a { color: var(--text-secondary); font-weight: 500; }
.topbar a:hover { color: var(--gold); }
.topbar-contact { display: flex; gap: 24px; align-items: center; }

.navbar {
  position: sticky;
  top: 0;
  z-index: 1000;
  background: rgba(8, 8, 12, 0.85);
  backdrop-filter: blur(16px) saturate(180%);
  -webkit-backdrop-filter: blur(16px) saturate(180%);
  border-bottom: 1px solid var(--border);
  transition: all 0.3s var(--ease);
}
.navbar.scrolled {
  box-shadow: 0 1px 30px rgba(0, 0, 0, 0.5);
}
.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 64px;
}
.nav-logo {
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--text-primary);
  letter-spacing: -0.02em;
  display: flex;
  align-items: center;
  gap: 6px;
}
.nav-logo .logo-accent {
  background: var(--gold-gradient);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}
.nav-links { display: flex; align-items: center; gap: 32px; }
.nav-links a {
  font-size: 0.85rem;
  font-weight: 500;
  color: #c2ccdf; /* lighter tint of brand navy #2e3b5b — readable on the dark navbar */
  letter-spacing: -0.01em;
  transition: color 0.2s var(--ease);
}
.nav-links a:hover, .nav-links a.active { color: var(--gold); }
.nav-links a::after { display: none; }
.nav-cta { margin-left: 8px; }

/* Mobile Nav */
.nav-toggle { display: none; flex-direction: column; gap: 5px; padding: 8px; }
.nav-toggle span { display: block; width: 20px; height: 1.5px; background: var(--text-primary); transition: all 0.3s var(--ease); border-radius: 1px; }
.nav-toggle.active span:nth-child(1) { transform: rotate(45deg) translate(4.5px, 4.5px); }
.nav-toggle.active span:nth-child(2) { opacity: 0; }
.nav-toggle.active span:nth-child(3) { transform: rotate(-45deg) translate(4.5px, -4.5px); }

@media (max-width: 900px) {
  .nav-toggle { display: flex; }
  .nav-links {
    position: fixed; top: 64px; left: 0; right: 0; bottom: 0;
    background: var(--bg-base);
    flex-direction: column; padding: 48px var(--space-lg); gap: var(--space-lg);
    transform: translateX(100%); transition: transform 0.4s var(--ease);
    border-top: 1px solid var(--border);
  }
  .nav-links.open { transform: translateX(0); }
  .nav-links a { font-size: 1rem; color: var(--text-secondary); }
  .nav-cta { margin-left: 0; }
}

/* ============================================
   HERO
   ============================================ */
.hero {
  position: relative;
  min-height: 92vh;
  display: flex;
  align-items: center;
  padding: var(--space-5xl) 0 var(--space-4xl);
  overflow: hidden;
}
.hero-bg { position: absolute; inset: 0; z-index: 0; }
.hero-bg::before {
  content: '';
  position: absolute;
  width: 800px;
  height: 800px;
  background: radial-gradient(circle, rgba(201, 168, 76, 0.06) 0%, transparent 65%);
  top: -10%;
  left: 40%;
  transform: translateX(-50%);
}
.hero-bg::after {
  content: '';
  position: absolute;
  width: 600px;
  height: 600px;
  background: radial-gradient(circle, rgba(30, 40, 64, 0.4) 0%, transparent 60%);
  bottom: -20%;
  left: 10%;
}
.hero-grid {
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(255, 255, 255, 0.015) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255, 255, 255, 0.015) 1px, transparent 1px);
  background-size: 80px 80px;
  mask-image: radial-gradient(ellipse 60% 50% at 50% 40%, black 20%, transparent 70%);
}
.hero-content {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-3xl);
  align-items: center;
}
.hero-text h1 { margin-bottom: var(--space-lg); }
.hero-text h1 .line { display: block; }
.hero-text p {
  font-size: 1.05rem;
  color: var(--text-secondary);
  margin-bottom: var(--space-xl);
  max-width: 480px;
  line-height: 1.75;
}
.hero-buttons { display: flex; gap: var(--space-md); flex-wrap: wrap; }

.hero-stats {
  display: flex;
  gap: var(--space-2xl);
  margin-top: var(--space-2xl);
  padding-top: var(--space-xl);
  border-top: 1px solid var(--border);
}
.hero-stat .number {
  font-size: 1.75rem;
  font-weight: 700;
  color: var(--text-primary);
  letter-spacing: -0.03em;
  line-height: 1;
}
.hero-stat .label { font-size: 0.75rem; color: var(--text-tertiary); margin-top: 4px; }

/* Hero Visual Card */
.hero-visual { position: relative; display: flex; justify-content: center; }
.hero-card {
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
  padding: var(--space-xl);
  width: 100%;
  max-width: 460px;
  position: relative;
  box-shadow:
    0 4px 6px rgba(0, 0, 0, 0.15),
    0 12px 40px rgba(0, 0, 0, 0.25);
}
.chart-placeholder {
  height: 180px;
  background: var(--bg-primary);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: var(--space-md);
  position: relative;
  overflow: hidden;
  border: 1px solid var(--border);
}
.chart-line { position: absolute; bottom: 15%; left: 5%; right: 5%; height: 65%; }
.chart-line svg { width: 100%; height: 100%; }
.chart-line svg path { stroke: var(--gold); stroke-width: 1.5; fill: none; stroke-dasharray: 1000; stroke-dashoffset: 1000; animation: drawChart 2.5s var(--ease) forwards 0.5s; }
.chart-line svg .area { stroke: none; fill: url(#goldGrad); opacity: 0; animation: fadeIn 1.2s var(--ease) forwards 2s; }
@keyframes drawChart { to { stroke-dashoffset: 0; } }
@keyframes fadeIn { to { opacity: 1; } }

.mini-stats { display: grid; grid-template-columns: repeat(3, 1fr); gap: var(--space-sm); }
.mini-stat {
  background: var(--bg-primary);
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  padding: 12px;
  text-align: center;
}
.mini-stat .val { font-size: 0.9rem; font-weight: 700; color: var(--green); letter-spacing: -0.02em; }
.mini-stat .lbl { font-size: 0.65rem; color: var(--text-tertiary); margin-top: 2px; }

/* Float badges */
.float-badge {
  position: absolute;
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 10px 14px;
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 0.8rem;
  font-weight: 600;
  color: var(--text-primary);
  animation: floatBadge 4s ease-in-out infinite;
  box-shadow: 0 8px 30px rgba(0, 0, 0, 0.4);
}
.float-badge .badge-icon {
  width: 32px; height: 32px;
  border-radius: var(--radius-sm);
  display: flex; align-items: center; justify-content: center;
  font-size: 1rem;
}
.float-badge.top-left { top: -16px; left: -24px; animation-delay: 0s; }
.float-badge.bottom-right { bottom: -16px; right: -24px; animation-delay: 2s; }
@keyframes floatBadge {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-6px); }
}

@media (max-width: 900px) {
  .hero-content { grid-template-columns: 1fr; text-align: center; }
  .hero-text p { margin-left: auto; margin-right: auto; }
  .hero-buttons { justify-content: center; }
  .hero-stats { justify-content: center; }
  .hero-visual { margin-top: var(--space-xl); }
  .float-badge { display: none; }
}

/* ============================================
   SECTIONS
   ============================================ */
section { padding: var(--space-5xl) 0; }
.section-header {
  text-align: center;
  max-width: 640px;
  margin: 0 auto var(--space-3xl);
}

/* ============================================
   TRUSTED / LOGOS
   ============================================ */
.trusted {
  padding: var(--space-2xl) 0;
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
}
.trusted p {
  text-align: center;
  font-size: 0.65rem;
  text-transform: uppercase;
  letter-spacing: 0.15em;
  color: var(--text-muted);
  margin-bottom: var(--space-lg);
  font-weight: 500;
}
.logo-strip {
  display: flex;
  justify-content: center;
  align-items: center;
  gap: var(--space-2xl);
  flex-wrap: wrap;
}
.logo-strip span {
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--text-muted);
  letter-spacing: 0.05em;
}

/* ============================================
   FEATURE CARDS
   ============================================ */
.features-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
  gap: var(--space-md);
}
.feature-card {
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: var(--space-xl);
  transition: all 0.25s var(--ease);
}
.feature-card:hover {
  background: var(--bg-elevated);
  border-color: var(--border-hover);
  transform: translateY(-2px);
  box-shadow:
    0 4px 8px rgba(0, 0, 0, 0.1),
    0 16px 48px rgba(0, 0, 0, 0.15);
}
.feature-icon {
  width: 44px; height: 44px;
  border-radius: var(--radius-sm);
  background: rgba(201, 168, 76, 0.08);
  border: 1px solid rgba(201, 168, 76, 0.12);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.2rem;
  margin-bottom: var(--space-md);
}
.feature-card h3 { margin-bottom: var(--space-sm); font-size: 1.05rem; }
.feature-card p { font-size: 0.875rem; color: var(--text-tertiary); line-height: 1.7; }

/* ============================================
   COURSE CARDS
   ============================================ */
.courses-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
  gap: var(--space-lg);
}
.course-card {
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  transition: all 0.25s var(--ease);
  display: flex;
  flex-direction: column;
}
.course-card:hover {
  border-color: var(--border-hover);
  transform: translateY(-2px);
  box-shadow:
    0 4px 8px rgba(0, 0, 0, 0.1),
    0 20px 60px rgba(0, 0, 0, 0.2);
}
.course-card.featured {
  border-color: var(--border-gold);
  box-shadow:
    0 0 0 1px rgba(201, 168, 76, 0.15),
    0 8px 30px rgba(201, 168, 76, 0.06),
    0 20px 60px rgba(0, 0, 0, 0.2);
}
.course-card.featured::before {
  content: 'Most Popular';
  position: absolute;
  top: var(--space-md);
  right: var(--space-md);
  background: var(--gold);
  color: #2e3b5b;
  font-size: 0.6rem;
  font-weight: 700;
  padding: 4px 10px;
  border-radius: 100px;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  z-index: 2;
}
.course-header { padding: var(--space-xl) var(--space-xl) 0; position: relative; }
.course-tier {
  font-size: 0.65rem;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: var(--space-sm);
}
.course-card h3 { font-size: 1.25rem; margin-bottom: var(--space-sm); }
.course-desc { font-size: 0.85rem; color: var(--text-tertiary); margin-bottom: var(--space-lg); line-height: 1.7; }
.course-price {
  display: flex;
  align-items: baseline;
  gap: 6px;
  margin-bottom: var(--space-sm);
}
.course-price .amount {
  font-size: 2.5rem;
  font-weight: 700;
  color: var(--text-primary);
  letter-spacing: -0.03em;
  line-height: 1;
}
.course-price .period { color: var(--text-tertiary); font-size: 0.85rem; }
.course-body { padding: var(--space-lg) var(--space-xl); flex: 1; }
.course-features { margin-bottom: var(--space-lg); }
.course-features li {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  padding: 6px 0;
  font-size: 0.85rem;
  color: var(--text-secondary);
  line-height: 1.5;
}
.course-features li::before {
  content: "\2713";
  color: var(--gold-muted);
  font-weight: 600;
  flex-shrink: 0;
  margin-top: 1px;
  font-size: 0.75rem;
}
.course-footer { padding: 0 var(--space-xl) var(--space-xl); margin-top: auto; }
.course-footer .btn { width: 100%; justify-content: center; }

/* ============================================
   PROCESS STEPS
   ============================================ */
.process-steps {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: var(--space-lg);
  counter-reset: step;
}
.step {
  position: relative;
  padding: var(--space-xl) var(--space-lg);
  counter-increment: step;
  text-align: left;
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
}
.step::before {
  content: counter(step, decimal-leading-zero);
  display: block;
  font-size: 0.7rem;
  font-weight: 700;
  color: var(--gold-muted);
  letter-spacing: 0.05em;
  margin-bottom: var(--space-md);
}
.step h4 { margin-bottom: var(--space-sm); font-size: 0.95rem; }
.step p { font-size: 0.8rem; color: var(--text-tertiary); line-height: 1.7; }

/* ============================================
   TESTIMONIALS
   ============================================ */
.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
  gap: var(--space-md);
}
.testimonial-card {
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: var(--space-xl);
  transition: all 0.25s var(--ease);
}
.testimonial-card:hover {
  border-color: var(--border-hover);
}
.testimonial-stars { color: var(--gold-muted); font-size: 0.75rem; margin-bottom: var(--space-md); letter-spacing: 3px; }
.testimonial-text {
  font-size: 0.9rem;
  color: var(--text-secondary);
  margin-bottom: var(--space-lg);
  font-style: italic;
  line-height: 1.8;
}
.testimonial-author { display: flex; align-items: center; gap: 12px; }
.testimonial-avatar {
  width: 38px; height: 38px;
  border-radius: 50%;
  background: var(--bg-elevated);
  border: 1px solid var(--border);
  display: flex; align-items: center; justify-content: center;
  font-weight: 600; font-size: 0.75rem;
  color: var(--text-tertiary);
}
.testimonial-name { font-weight: 600; color: var(--text-primary); font-size: 0.85rem; }
.testimonial-role { font-size: 0.7rem; color: var(--text-tertiary); }

/* ============================================
   FAQ
   ============================================ */
.faq-list { max-width: 720px; margin: 0 auto; }
.faq-item { border-bottom: 1px solid var(--border); }
.faq-question {
  width: 100%;
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: var(--space-lg) 0;
  font-size: 0.9rem;
  font-weight: 500;
  color: var(--text-primary);
  text-align: left;
  letter-spacing: -0.01em;
  transition: color 0.2s var(--ease);
}
.faq-question:hover { color: var(--gold-bright); }
.faq-icon {
  width: 24px; height: 24px;
  border-radius: 50%;
  border: 1px solid var(--border);
  display: flex; align-items: center; justify-content: center;
  font-size: 1rem;
  color: var(--text-tertiary);
  flex-shrink: 0;
  transition: all 0.25s var(--ease);
}
.faq-item.open .faq-icon { transform: rotate(45deg); background: var(--gold); color: var(--bg-base); border-color: var(--gold); }
.faq-answer { max-height: 0; overflow: hidden; transition: max-height 0.4s var(--ease); }
.faq-answer-inner { padding: 0 0 var(--space-lg); font-size: 0.85rem; color: var(--text-tertiary); line-height: 1.8; }
.faq-item.open .faq-answer { max-height: 300px; }

/* ============================================
   CTA SECTION
   ============================================ */
.cta-section {
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
  padding: var(--space-4xl) var(--space-3xl);
  text-align: center;
  position: relative;
  overflow: hidden;
  max-width: 1072px;
  margin: 0 auto;
}
.cta-section::before {
  content: '';
  position: absolute;
  width: 500px; height: 500px;
  background: radial-gradient(circle, var(--gold-glow), transparent 65%);
  top: -30%;
  left: 50%;
  transform: translateX(-50%);
  pointer-events: none;
}
.cta-section > * { position: relative; z-index: 1; }
.cta-section h2 { margin-bottom: var(--space-md); }
.cta-section p { color: var(--text-secondary); margin-bottom: var(--space-xl); max-width: 480px; margin-left: auto; margin-right: auto; font-size: 0.95rem; }
.cta-buttons { display: flex; gap: var(--space-md); justify-content: center; flex-wrap: wrap; }

/* ============================================
   FOOTER
   ============================================ */
.footer {
  background: var(--bg-base);
  border-top: 1px solid var(--border);
  padding: var(--space-4xl) 0 0;
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: var(--space-2xl);
  padding-bottom: var(--space-3xl);
}
.footer-brand p {
  font-size: 0.85rem;
  color: var(--text-tertiary);
  margin: var(--space-md) 0 var(--space-lg);
  max-width: 300px;
  line-height: 1.7;
}
.footer-social { display: flex; gap: var(--space-sm); }
.footer-social a {
  width: 36px; height: 36px;
  border-radius: var(--radius-sm);
  background: var(--bg-card);
  border: 1px solid var(--border);
  display: flex; align-items: center; justify-content: center;
  font-size: 0.8rem;
  color: var(--text-tertiary);
  transition: all 0.2s var(--ease);
}
.footer-social a:hover {
  background: var(--bg-elevated);
  color: var(--text-primary);
  border-color: var(--border-hover);
}
.footer-col h4 {
  font-size: 0.7rem;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  margin-bottom: var(--space-md);
  color: var(--text-secondary);
  font-weight: 600;
}
.footer-col a {
  display: block;
  font-size: 0.8rem;
  color: var(--text-tertiary);
  padding: 4px 0;
}
.footer-col a:hover { color: var(--text-secondary); }
.footer-bottom {
  border-top: 1px solid var(--border);
  padding: var(--space-lg) 0;
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: var(--space-md);
  font-size: 0.7rem;
  color: var(--text-muted);
}
.footer-legal { display: flex; gap: var(--space-lg); }
.footer-legal a:hover { color: var(--text-tertiary); }

.risk-disclaimer {
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: var(--space-md) var(--space-lg);
  margin-top: var(--space-lg);
  font-size: 0.7rem;
  color: var(--text-muted);
  line-height: 1.7;
}

@media (max-width: 900px) {
  .footer-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 600px) {
  .footer-grid { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; text-align: center; }
  .footer-legal { justify-content: center; }
}

/* ============================================
   WHATSAPP
   ============================================ */
.whatsapp-float {
  position: fixed;
  bottom: 24px;
  right: 24px;
  z-index: 999;
  width: 52px; height: 52px;
  border-radius: 50%;
  background: #25D366;
  display: flex; align-items: center; justify-content: center;
  box-shadow: 0 2px 12px rgba(37, 211, 102, 0.3);
  transition: all 0.2s var(--ease);
}
.whatsapp-float:hover {
  transform: scale(1.08);
  box-shadow: 0 4px 20px rgba(37, 211, 102, 0.4);
}
.whatsapp-float svg { width: 28px; height: 28px; fill: white; }

/* ============================================
   COUNTERS
   ============================================ */
.counter-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: var(--space-lg);
  padding: var(--space-3xl) 0;
}
.counter-item { text-align: center; }
.counter-number {
  font-size: 2rem;
  font-weight: 700;
  color: var(--text-primary);
  letter-spacing: -0.03em;
  line-height: 1;
}
.counter-label { font-size: 0.75rem; color: var(--text-tertiary); margin-top: var(--space-sm); }
@media (max-width: 600px) {
  .counter-grid { grid-template-columns: repeat(2, 1fr); }
}

/* ============================================
   ABOUT PAGE
   ============================================ */
.values-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: var(--space-md);
}
.value-card {
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: var(--space-xl);
  transition: all 0.25s var(--ease);
}
.value-card:hover { border-color: var(--border-hover); }
.value-card h4 { margin-bottom: var(--space-sm); font-size: 0.95rem; }
.value-card p { font-size: 0.8rem; color: var(--text-tertiary); line-height: 1.7; }

.team-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: var(--space-lg);
}
.team-card {
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: var(--space-xl);
  text-align: center;
  transition: all 0.25s var(--ease);
}
.team-card:hover { border-color: var(--border-hover); }
.team-avatar {
  width: 80px; height: 80px;
  border-radius: 50%;
  background: var(--bg-elevated);
  border: 1px solid var(--border);
  margin: 0 auto var(--space-md);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.5rem; font-weight: 600;
  color: var(--text-tertiary);
}
.team-card h3 { font-size: 1.05rem; margin-bottom: 2px; }
.team-card .role { color: var(--gold-muted); font-size: 0.75rem; font-weight: 600; margin-bottom: var(--space-md); letter-spacing: 0.05em; }
.team-card p { font-size: 0.8rem; color: var(--text-tertiary); line-height: 1.7; }

/* ============================================
   CONTACT PAGE
   ============================================ */
.contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: var(--space-2xl); }
.contact-info-cards { display: flex; flex-direction: column; gap: var(--space-md); }
.contact-card {
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: var(--space-lg);
  display: flex;
  align-items: flex-start;
  gap: var(--space-md);
  transition: all 0.25s var(--ease);
}
.contact-card:hover { border-color: var(--border-hover); }
.contact-card-icon {
  width: 44px; height: 44px;
  border-radius: var(--radius-sm);
  background: rgba(201, 168, 76, 0.06);
  border: 1px solid rgba(201, 168, 76, 0.1);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.1rem;
  flex-shrink: 0;
}
.contact-card h4 { font-size: 0.9rem; margin-bottom: 2px; }
.contact-card p { font-size: 0.8rem; color: var(--text-tertiary); }
.contact-card a { color: var(--gold-muted); }
.contact-card a:hover { color: var(--gold-bright); }

.contact-form {
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: var(--radius-xl);
  padding: var(--space-xl);
}
.contact-form h3 { margin-bottom: var(--space-lg); font-size: 1.15rem; }
.form-group { margin-bottom: var(--space-md); }
.form-group label {
  display: block;
  font-size: 0.75rem;
  font-weight: 500;
  color: var(--text-secondary);
  margin-bottom: 6px;
  letter-spacing: -0.01em;
}
.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 12px 14px;
  border-radius: var(--radius-sm);
  border: 1px solid var(--border);
  background: var(--bg-primary);
  color: var(--text-primary);
  font-size: 0.85rem;
  font-family: var(--font);
  transition: border-color 0.2s var(--ease);
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  outline: none;
  border-color: var(--border-active);
  box-shadow: 0 0 0 3px rgba(201, 168, 76, 0.05);
}
.form-group textarea { min-height: 100px; resize: vertical; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: var(--space-md); }
@media (max-width: 768px) {
  .contact-grid { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
}

/* ============================================
   BLOG PAGE
   ============================================ */
.blog-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
  gap: var(--space-lg);
}
.blog-card {
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  transition: all 0.25s var(--ease);
}
.blog-card:hover { border-color: var(--border-hover); transform: translateY(-2px); }
.blog-img {
  height: 180px;
  background: var(--bg-elevated);
  display: flex; align-items: center; justify-content: center;
  font-size: 2rem;
  border-bottom: 1px solid var(--border);
}
.blog-content { padding: var(--space-lg); }
.blog-meta {
  display: flex; gap: var(--space-md);
  font-size: 0.65rem; color: var(--text-muted);
  margin-bottom: var(--space-sm);
  align-items: center;
}
.blog-tag {
  background: rgba(201, 168, 76, 0.08);
  color: var(--gold-muted);
  padding: 2px 8px;
  border-radius: 100px;
  font-size: 0.6rem;
  font-weight: 600;
  letter-spacing: 0.03em;
}
.blog-card h3 { font-size: 1rem; margin-bottom: var(--space-sm); }
.blog-card h3 a:hover { color: var(--gold-bright); }
.blog-card > .blog-content > p { font-size: 0.8rem; color: var(--text-tertiary); margin-bottom: var(--space-md); line-height: 1.7; }
.blog-card .read-more { color: var(--text-secondary); font-size: 0.8rem; font-weight: 500; }
.blog-card .read-more:hover { color: var(--gold-bright); }

/* ============================================
   INNER PAGE HERO
   ============================================ */
.page-hero {
  padding: var(--space-5xl) 0 var(--space-3xl);
  text-align: center;
  position: relative;
  overflow: hidden;
}
.page-hero::before {
  content: '';
  position: absolute;
  width: 600px; height: 400px;
  background: radial-gradient(ellipse, rgba(201, 168, 76, 0.04), transparent 65%);
  top: 10%;
  left: 50%;
  transform: translateX(-50%);
}
.page-hero > * { position: relative; z-index: 1; }
.breadcrumb {
  display: flex;
  justify-content: center;
  gap: 8px;
  font-size: 0.75rem;
  color: var(--text-muted);
  margin-bottom: var(--space-md);
}
.breadcrumb a:hover { color: var(--text-tertiary); }
.breadcrumb .sep { color: var(--text-muted); }

/* ============================================
   ANIMATIONS
   ============================================ */
.reveal {
  opacity: 0;
  transform: translateY(20px);
  transition: all 0.6s var(--ease);
}
.reveal.visible { opacity: 1; transform: translateY(0); }
.reveal-delay-1 { transition-delay: 0.08s; }
.reveal-delay-2 { transition-delay: 0.16s; }
.reveal-delay-3 { transition-delay: 0.24s; }
.reveal-delay-4 { transition-delay: 0.32s; }

/* ============================================
   MISC
   ============================================ */
.divider { width: 48px; height: 2px; background: var(--border-hover); border-radius: 2px; }
.divider.center { margin: var(--space-md) auto; }

.badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 5px 12px;
  border-radius: 100px;
  font-size: 0.7rem;
  font-weight: 600;
  letter-spacing: -0.01em;
}
.badge-gold { background: rgba(201, 168, 76, 0.08); color: var(--gold); border: 1px solid rgba(201, 168, 76, 0.12); }
.badge-green { background: rgba(34, 197, 94, 0.08); color: var(--green); border: 1px solid rgba(34, 197, 94, 0.12); }

.live-dot {
  width: 6px; height: 6px;
  border-radius: 50%;
  background: var(--green);
  animation: blink 2s infinite;
}
@keyframes blink { 0%, 100% { opacity: 1; } 50% { opacity: 0.3; } }

/* var(--dark-card) bands render on the LIGHT theme (dark text stays readable) */
[style*="var(--dark-card)"] { background: var(--bg-elevated) !important; }

/* Dedicated NAVY call-to-action band (light text on brand navy) */
.pg-cta { background: var(--navy) !important; color: #ffffff; }
.pg-cta h1, .pg-cta h2, .pg-cta h3 { color: #ffffff !important; }
.pg-cta p { color: rgba(247,247,247,0.9) !important; }
.pg-cta .gold-text { color: var(--gold) !important; -webkit-text-fill-color: var(--gold); }
.pg-cta a.btn-secondary { color: #ffffff; border-color: rgba(255,255,255,0.5); }