/* Summit Financial Group - Professional Financial Services Design System */
/* Inspired by USAA's clean, trustworthy aesthetic */

/* ===== CSS VARIABLES ===== */
:root {
    /* Primary Colors - Professional Navy & Gold */
    --navy-primary: #1B3A5F;
    --navy-dark: #0F2642;
    --navy-light: #2D5080;
    --gold-accent: #f9c006;
    --gold-dark: #d9a800;
    --green-accent: #2E7D32;

    /* Neutral Colors */
    --white: #FFFFFF;
    --gray-50: #F8F9FA;
    --gray-100: #E9ECEF;
    --gray-200: #DEE2E6;
    --gray-300: #CED4DA;
    --gray-400: #ADB5BD;
    --gray-600: #6C757D;
    --gray-700: #495057;
    --gray-900: #212529;

    /* Semantic Colors */
    --success: #28A745;
    --info: #17A2B8;
    --warning: #FFC107;
    --danger: #DC3545;

    /* Typography */
    --font-serif: 'Merriweather', Georgia, serif;
    --font-sans: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;

    /* Spacing */
    --spacing-xs: 0.5rem;
    --spacing-sm: 1rem;
    --spacing-md: 1.5rem;
    --spacing-lg: 2rem;
    --spacing-xl: 3rem;
    --spacing-xxl: 4rem;

    /* Shadows */
    --shadow-sm: 0 1px 3px rgba(0, 0, 0, 0.12);
    --shadow-md: 0 4px 6px rgba(0, 0, 0, 0.1);
    --shadow-lg: 0 10px 25px rgba(0, 0, 0, 0.15);

    /* Transitions */
    --transition-fast: 0.15s ease;
    --transition-base: 0.3s ease;
    --transition-slow: 0.5s ease;
}

/* ===== GLOBAL STYLES ===== */
* {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
}

html {
    scroll-behavior: smooth;
}

body {
    font-family: var(--font-sans);
    font-size: 16px;
    line-height: 1.6;
    color: var(--gray-900);
    background-color: var(--white);
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
}

/* Typography */
h1, h2, h3, h4, h5, h6 {
    font-family: var(--font-serif);
    font-weight: 700;
    line-height: 1.2;
    margin-bottom: var(--spacing-md);
    color: var(--navy-dark);
}

h1 { font-size: 3rem; }
h2 { font-size: 2.5rem; }
h3 { font-size: 2rem; }
h4 { font-size: 1.5rem; }
h5 { font-size: 1.25rem; }
h6 { font-size: 1rem; }

p {
    margin-bottom: var(--spacing-sm);
    color: var(--gray-700);
}

a {
    color: var(--navy-primary);
    text-decoration: none;
    transition: color var(--transition-fast);
}

a:hover {
    color: var(--navy-light);
}

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

/* ===== NAVIGATION ===== */
.navbar {
    background-color: var(--navy-primary);
    box-shadow: var(--shadow-md);
    position: sticky;
    top: 0;
    z-index: 1000;
    transition: box-shadow var(--transition-base);
}

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

.navbar-container {
    max-width: 1400px;
    margin: 0 auto;
    padding: 0 var(--spacing-lg);
    display: flex;
    justify-content: space-between;
    align-items: center;
    height: 80px;
}

.navbar-logo {
    display: flex;
    align-items: center;
    gap: var(--spacing-sm);
}

.navbar-logo-text {
    font-family: var(--font-serif);
    font-size: 1.5rem;
    font-weight: 700;
    color: var(--white);
}

.navbar-logo-subtext {
    font-size: 0.75rem;
    color: var(--gold-accent);
    text-transform: uppercase;
    letter-spacing: 1px;
}

.navbar-nav {
    display: flex;
    list-style: none;
    gap: var(--spacing-lg);
    align-items: center;
}

.navbar-nav a {
    color: rgba(255, 255, 255, 0.9);
    font-weight: 500;
    font-size: 0.95rem;
    padding: var(--spacing-xs) 0;
    border-bottom: 2px solid transparent;
    transition: all var(--transition-fast);
}

.navbar-nav a:hover,
.navbar-nav a.active {
    color: var(--white);
    border-bottom-color: var(--gold-accent);
}

.navbar-cta {
    background-color: var(--gold-accent);
    color: var(--navy-dark) !important;
    padding: var(--spacing-xs) var(--spacing-md) !important;
    border-radius: 4px;
    border: none !important;
    font-weight: 600;
}

.navbar-cta:hover {
    background-color: var(--gold-dark);
    color: var(--navy-dark) !important;
    transform: translateY(-1px);
}

/* Mobile Menu Toggle */
.mobile-menu-toggle {
    display: none;
    background: none;
    border: none;
    font-size: 1.5rem;
    color: var(--white);
    cursor: pointer;
}

/* ===== HERO SECTION ===== */
.hero {
    position: relative;
    background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy-primary) 100%);
    color: var(--white);
    padding: var(--spacing-xxl) 0;
    overflow: hidden;
}

.hero-background {
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    object-fit: cover;
    opacity: 0.15;
    z-index: 0;
}

.hero-container {
    position: relative;
    z-index: 1;
    max-width: 1400px;
    margin: 0 auto;
    padding: 0 var(--spacing-lg);
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: var(--spacing-xl);
    align-items: center;
}

.hero-content h1 {
    color: var(--white);
    font-size: 3.5rem;
    margin-bottom: var(--spacing-md);
}

.hero-content p {
    color: rgba(255, 255, 255, 0.9);
    font-size: 1.25rem;
    margin-bottom: var(--spacing-lg);
    max-width: 600px;
}

.hero-trust-badges {
    display: flex;
    gap: var(--spacing-lg);
    margin-top: var(--spacing-xl);
    flex-wrap: wrap;
}

.trust-badge {
    display: flex;
    align-items: center;
    gap: var(--spacing-xs);
    color: var(--gold-accent);
    font-size: 0.9rem;
    font-weight: 600;
}

.trust-badge svg {
    width: 24px;
    height: 24px;
}

/* ===== BUTTONS ===== */
.btn {
    display: inline-block;
    padding: var(--spacing-sm) var(--spacing-lg);
    font-family: var(--font-sans);
    font-size: 1rem;
    font-weight: 600;
    text-align: center;
    border: none;
    border-radius: 4px;
    cursor: pointer;
    transition: all var(--transition-base);
    text-decoration: none;
}

.btn-primary {
    background-color: var(--gold-accent);
    color: var(--navy-dark);
}

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

.btn-secondary {
    background-color: transparent;
    color: var(--white);
    border: 2px solid var(--white);
}

.btn-secondary:hover {
    background-color: var(--white);
    color: var(--navy-primary);
}

.btn-outline {
    background-color: transparent;
    color: var(--navy-primary);
    border: 2px solid var(--navy-primary);
}

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

.btn-lg {
    padding: var(--spacing-sm) var(--spacing-lg);
    font-size: 1.0625rem;
}

/* ===== CONTAINER & GRID ===== */
.container {
    max-width: 1400px;
    margin: 0 auto;
    padding: 0 var(--spacing-lg);
}

.section {
    padding: var(--spacing-xxl) 0;
}

.section-gray {
    background-color: var(--gray-50);
}

.section-divider {
    width: 100%;
    text-align: center;
    margin: var(--spacing-xxl) 0;
    background: transparent;
}

.section-divider::before {
    content: '';
    display: inline-block;
    width: 200px;
    height: 4px;
    background: linear-gradient(90deg, transparent 0%, var(--gold-accent) 50%, transparent 100%);
    vertical-align: middle;
    opacity: 0.6;
}

.section-header {
    text-align: center;
    margin-bottom: var(--spacing-xl);
}

.section-header h2 {
    margin-bottom: var(--spacing-sm);
}

.section-header p {
    font-size: 1.125rem;
    color: var(--gray-600);
    max-width: 700px;
    margin: 0 auto;
}

.grid {
    display: grid;
    gap: var(--spacing-lg);
}

.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }

/* ===== CARDS ===== */
.card {
    background-color: var(--white);
    border-radius: 8px;
    padding: var(--spacing-lg);
    box-shadow: var(--shadow-sm);
    border: 1px solid var(--gray-200);
}

.card-icon {
    width: 60px;
    height: 60px;
    background: var(--navy-primary);
    border-radius: 4px;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: var(--spacing-md);
    color: var(--white);
    font-size: 1.5rem;
    position: relative;
}

.card h3 {
    font-size: 1.5rem;
    margin-bottom: var(--spacing-sm);
}

.card p {
    color: var(--gray-600);
    margin-bottom: var(--spacing-md);
}

.card-link {
    color: var(--navy-primary);
    font-weight: 600;
    display: inline-flex;
    align-items: center;
    gap: var(--spacing-xs);
}

.card-link:hover {
    gap: var(--spacing-sm);
}

/* ===== TESTIMONIALS ===== */
.testimonial {
    background-color: var(--white);
    padding: var(--spacing-lg);
    border-radius: 8px;
    box-shadow: var(--shadow-sm);
    border-left: 4px solid var(--gold-accent);
}

.testimonial-text {
    font-style: italic;
    color: var(--gray-700);
    margin-bottom: var(--spacing-md);
    font-size: 1.125rem;
    line-height: 1.8;
}

.testimonial-author {
    display: flex;
    align-items: center;
    gap: var(--spacing-md);
}

.testimonial-author-avatar {
    width: 50px;
    height: 50px;
    border-radius: 50%;
    object-fit: cover;
}

.testimonial-author-info h5 {
    margin-bottom: 0.25rem;
    color: var(--navy-primary);
}

.testimonial-author-info p {
    font-size: 0.875rem;
    color: var(--gray-600);
    margin: 0;
}

/* ===== TEAM BIOS ===== */
.team-member {
    text-align: center;
    background-color: var(--white);
    padding: var(--spacing-lg);
    border-radius: 8px;
    box-shadow: var(--shadow-sm);
}

.team-member-photo {
    width: 180px;
    height: 180px;
    border-radius: 50%;
    object-fit: cover;
    margin: 0 auto var(--spacing-md);
    border: 4px solid var(--gray-100);
}

.team-member h4 {
    margin-bottom: var(--spacing-xs);
}

.team-member-title {
    color: var(--gold-accent);
    font-weight: 600;
    font-size: 0.95rem;
    margin-bottom: var(--spacing-sm);
}

.team-member-credentials {
    color: var(--gray-600);
    font-size: 0.875rem;
    margin-bottom: var(--spacing-md);
}

.team-member-bio {
    color: var(--gray-700);
    font-size: 0.95rem;
    line-height: 1.6;
}

/* ===== FORMS ===== */
.form-group {
    margin-bottom: var(--spacing-md);
}

.form-label {
    display: block;
    font-weight: 600;
    margin-bottom: var(--spacing-xs);
    color: var(--gray-900);
}

.form-control {
    width: 100%;
    padding: var(--spacing-sm);
    font-family: var(--font-sans);
    font-size: 1rem;
    border: 1px solid var(--gray-300);
    border-radius: 4px;
    transition: all var(--transition-fast);
}

.form-control:focus {
    outline: none;
    border-color: var(--navy-primary);
    box-shadow: 0 0 0 3px rgba(27, 58, 95, 0.1);
}

.form-control.error {
    border-color: var(--danger);
}

.form-error {
    color: var(--danger);
    font-size: 0.875rem;
    margin-top: var(--spacing-xs);
    display: none;
}

.form-control.error + .form-error {
    display: block;
}

textarea.form-control {
    resize: vertical;
    min-height: 120px;
}

select.form-control {
    cursor: pointer;
}

/* ===== CALCULATOR ===== */
.calculator {
    background-color: var(--white);
    padding: var(--spacing-xl);
    border-radius: 8px;
    box-shadow: var(--shadow-md);
    border: 1px solid var(--gray-200);
}

.calculator-controls {
    margin-bottom: var(--spacing-xl);
}

.calculator-results {
    background-color: var(--gray-50);
    padding: var(--spacing-xl);
    border-radius: 8px;
    border: 2px solid var(--navy-primary);
}

.calculator-result {
    text-align: center;
    padding: var(--spacing-md);
}

.calculator-result-label {
    font-size: 0.875rem;
    color: var(--gray-600);
    margin-bottom: var(--spacing-xs);
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

.calculator-result-value {
    font-size: 2.5rem;
    font-weight: 700;
    font-family: var(--font-serif);
    color: var(--navy-primary);
    margin: var(--spacing-xs) 0;
}

.calculator-result-subtext {
    font-size: 0.875rem;
    color: var(--gray-600);
}

/* Range Input Styling */
input[type="range"] {
    width: 100%;
    height: 6px;
    border-radius: 3px;
    background: var(--gray-300);
    outline: none;
    -webkit-appearance: none;
}

input[type="range"]::-webkit-slider-thumb {
    -webkit-appearance: none;
    appearance: none;
    width: 20px;
    height: 20px;
    border-radius: 50%;
    background: var(--navy-primary);
    cursor: pointer;
    box-shadow: 0 2px 4px rgba(0,0,0,0.2);
}

input[type="range"]::-moz-range-thumb {
    width: 20px;
    height: 20px;
    border-radius: 50%;
    background: var(--navy-primary);
    cursor: pointer;
    border: none;
    box-shadow: 0 2px 4px rgba(0,0,0,0.2);
}

.calculator .form-group label {
    display: block;
    margin-bottom: var(--spacing-xs);
    color: var(--navy-primary);
    font-weight: 600;
    font-size: 0.95rem;
}

.calculator .form-group .value-display {
    float: right;
    color: var(--gold-accent);
    font-weight: 700;
}

/* ===== STATS ===== */
.stats-section {
    background: linear-gradient(135deg, #f8f9fa 0%, #e9ecef 100%);
    position: relative;
    overflow: hidden;
}

.stats-section::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background-image:
        linear-gradient(30deg, rgba(27, 58, 95, 0.02) 12%, transparent 12.5%, transparent 87%, rgba(27, 58, 95, 0.02) 87.5%, rgba(27, 58, 95, 0.02)),
        linear-gradient(150deg, rgba(27, 58, 95, 0.02) 12%, transparent 12.5%, transparent 87%, rgba(27, 58, 95, 0.02) 87.5%, rgba(27, 58, 95, 0.02)),
        linear-gradient(30deg, rgba(27, 58, 95, 0.02) 12%, transparent 12.5%, transparent 87%, rgba(27, 58, 95, 0.02) 87.5%, rgba(27, 58, 95, 0.02)),
        linear-gradient(150deg, rgba(27, 58, 95, 0.02) 12%, transparent 12.5%, transparent 87%, rgba(27, 58, 95, 0.02) 87.5%, rgba(27, 58, 95, 0.02));
    background-size: 80px 140px;
    background-position: 0 0, 0 0, 40px 70px, 40px 70px;
    opacity: 0.3;
}

.stats {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: var(--spacing-xl);
    text-align: center;
    position: relative;
    z-index: 1;
}

.stat-item {
    padding: var(--spacing-lg);
}

.stat-item h3 {
    font-size: 3.5rem;
    font-family: var(--font-serif);
    background: linear-gradient(135deg, var(--navy-primary) 0%, var(--navy-light) 100%);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
    margin-bottom: var(--spacing-xs);
    font-weight: 700;
    line-height: 1;
}

.stat-item p {
    color: var(--gray-700);
    font-weight: 600;
    font-size: 0.95rem;
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

/* ===== CLIENT PORTAL ===== */
.portal-dashboard {
    display: grid;
    grid-template-columns: 250px 1fr;
    gap: var(--spacing-lg);
    min-height: 600px;
}

.portal-sidebar {
    background-color: var(--navy-dark);
    color: var(--white);
    padding: var(--spacing-lg);
    border-radius: 8px;
}

.portal-nav {
    list-style: none;
}

.portal-nav li {
    margin-bottom: var(--spacing-sm);
}

.portal-nav a {
    color: rgba(255, 255, 255, 0.8);
    display: block;
    padding: var(--spacing-sm);
    border-radius: 4px;
    transition: all var(--transition-fast);
}

.portal-nav a:hover,
.portal-nav a.active {
    background-color: var(--navy-primary);
    color: var(--white);
}

.portal-content {
    background-color: var(--white);
    padding: var(--spacing-lg);
    border-radius: 8px;
    box-shadow: var(--shadow-sm);
}

.account-card {
    background-color: var(--gray-50);
    padding: var(--spacing-md);
    border-radius: 8px;
    margin-bottom: var(--spacing-md);
    border-left: 4px solid var(--green-accent);
}

.account-card h4 {
    margin-bottom: var(--spacing-xs);
    color: var(--navy-primary);
}

.account-balance {
    font-size: 2rem;
    font-weight: 700;
    color: var(--green-accent);
    font-family: var(--font-serif);
}

.account-change {
    font-size: 0.9rem;
    color: var(--success);
}

.account-change.negative {
    color: var(--danger);
}

/* ===== TABLE ===== */
.table {
    width: 100%;
    border-collapse: collapse;
    background-color: var(--white);
}

.table thead {
    background-color: var(--gray-50);
}

.table th {
    padding: var(--spacing-sm);
    text-align: left;
    font-weight: 600;
    color: var(--navy-primary);
    border-bottom: 2px solid var(--gray-200);
}

.table td {
    padding: var(--spacing-sm);
    border-bottom: 1px solid var(--gray-200);
}

.table tbody tr:hover {
    background-color: var(--gray-50);
}

/* ===== PROCESS STEPS ===== */
.process-steps {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: var(--spacing-md);
    margin-top: var(--spacing-xl);
}

.process-step {
    flex: 1;
    text-align: center;
}

.process-step-number {
    width: 80px;
    height: 80px;
    border-radius: 50%;
    background: linear-gradient(135deg, var(--navy-primary) 0%, var(--navy-light) 100%);
    color: var(--white);
    font-size: 2rem;
    font-weight: 700;
    font-family: var(--font-serif);
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto var(--spacing-md);
    box-shadow: 0 4px 12px rgba(27, 58, 95, 0.2);
}

.process-step-content h4 {
    color: var(--navy-primary);
    margin-bottom: var(--spacing-xs);
    font-size: 1.25rem;
}

.process-step-content p {
    color: var(--gray-700);
    font-size: 0.95rem;
    line-height: 1.6;
}

.process-step-arrow {
    flex-shrink: 0;
    width: 40px;
    height: 40px;
    color: var(--gold-accent);
}

.process-step-arrow svg {
    width: 100%;
    height: 100%;
}

/* ===== VALUE PHOTO SECTIONS ===== */
.value-photo-section {
    position: relative;
    min-height: 600px;
    display: flex;
    align-items: center;
    margin: 0;
    padding: calc(var(--spacing-xxl) * 1.5) 0;
}

.value-photo-image {
    position: absolute;
    top: 0;
    left: 0;
    width: 55%;
    height: 100%;
    background-size: cover;
    background-position: center;
}

.value-photo-section-reverse .value-photo-image {
    left: auto;
    right: 0;
}

.value-photo-section .container {
    position: relative;
    z-index: 10;
}

.value-photo-card {
    background: var(--white);
    max-width: 550px;
    padding: var(--spacing-xl);
    margin-left: auto;
    margin-right: 0;
    box-shadow: 0 20px 60px rgba(0, 0, 0, 0.15);
    border-radius: 4px;
    border-left: 4px solid var(--gold-accent);
}

.value-photo-section-reverse .value-photo-card {
    margin-left: 0;
    margin-right: auto;
    border-left: none;
    border-right: 4px solid var(--gold-accent);
}

.value-photo-card .value-number {
    font-size: 5rem;
    font-weight: 700;
    font-family: var(--font-serif);
    color: var(--gold-accent);
    line-height: 1;
    opacity: 0.2;
    margin-bottom: var(--spacing-md);
}

.value-photo-card h3 {
    color: var(--navy-primary);
    font-size: 1.875rem;
    margin-bottom: var(--spacing-md);
}

.value-photo-card p {
    color: var(--gray-700);
    font-size: 1.0625rem;
    line-height: 1.7;
    margin: 0;
}

/* ===== PHOTO SECTIONS ===== */
.photo-section {
    width: 100%;
    margin: var(--spacing-xxl) 0;
    padding: var(--spacing-xxl) 0;
}

.photo-section .container {
    max-width: 1400px;
    margin: 0 auto;
    padding: 0 var(--spacing-lg);
}

.photo-section-content {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: var(--spacing-xl);
    align-items: center;
}

.photo-section-image {
    width: 100%;
    height: 500px;
    background-size: cover;
    background-position: center;
    border-radius: 8px;
    box-shadow: var(--shadow-md);
}

.photo-section-card {
    background-color: var(--white);
    padding: var(--spacing-xl);
    border-radius: 8px;
    box-shadow: 0 4px 12px rgba(0, 0, 0, 0.08);
    border: 1px solid rgba(27, 58, 95, 0.1);
}

.photo-section-reverse .photo-section-content {
    direction: rtl;
}

.photo-section-reverse .photo-section-card {
    direction: ltr;
}

/* Variation 1: Emphasized content (wider card, taller image) */
.photo-section:first-of-type .photo-section-content {
    grid-template-columns: 45fr 55fr;
}

.photo-section:first-of-type .photo-section-image {
    height: 550px;
}

/* Variation 2: Reverse has background treatment */
.photo-section-reverse {
    background-color: rgba(27, 58, 95, 0.02);
    padding: var(--spacing-xxl) 0;
    margin: 0;
}

.photo-section-reverse .photo-section-content {
    grid-template-columns: 55fr 45fr;
}

.photo-section-reverse .photo-section-card {
    box-shadow: 0 8px 24px rgba(0, 0, 0, 0.12);
}

/* Variation 3: Equal but elevated */
.photo-section:last-of-type .photo-section-image {
    height: 450px;
}

.photo-section:last-of-type .photo-section-card {
    border-left: 3px solid var(--gold-accent);
    padding-left: calc(var(--spacing-xl) + 1rem);
}

.photo-section-card h2 {
    color: var(--navy-primary);
    margin-bottom: var(--spacing-md);
    font-size: 2rem;
}

.photo-section-card p {
    color: var(--gray-700);
    font-size: 1.125rem;
    line-height: 1.7;
    margin-bottom: var(--spacing-md);
}

.photo-section-card ul {
    list-style: none;
    margin: var(--spacing-lg) 0;
    padding: 0;
}

.photo-section-card ul li {
    display: flex;
    align-items: flex-start;
    gap: var(--spacing-sm);
    margin-bottom: var(--spacing-md);
    color: var(--gray-700);
    font-size: 1.05rem;
}

.photo-section-card ul li svg {
    flex-shrink: 0;
    margin-top: 2px;
}

/* ===== CTA SECTION ===== */
.cta-section {
    background: linear-gradient(135deg, var(--navy-dark) 0%, var(--navy-primary) 100%);
    padding: var(--spacing-xxl) 0;
    position: relative;
    overflow: hidden;
}

.cta-section::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background-image: radial-gradient(circle at 20% 50%, rgba(201, 165, 116, 0.1) 0%, transparent 50%),
                      radial-gradient(circle at 80% 80%, rgba(201, 165, 116, 0.08) 0%, transparent 50%);
    opacity: 0.6;
}

.cta-content {
    max-width: 800px;
    margin: 0 auto;
    text-align: center;
    position: relative;
    z-index: 1;
}

.cta-content h2 {
    color: var(--white);
    font-size: 2.75rem;
    margin-bottom: var(--spacing-md);
}

.cta-content p {
    color: rgba(255, 255, 255, 0.9);
    font-size: 1.25rem;
    margin-bottom: var(--spacing-xl);
    line-height: 1.7;
}

.cta-actions {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: var(--spacing-md);
}

.cta-meta {
    display: flex;
    align-items: center;
    gap: var(--spacing-xs);
    color: rgba(255, 255, 255, 0.8);
    font-size: 0.95rem;
}

.cta-meta svg {
    color: var(--gold-accent);
    flex-shrink: 0;
}

/* ===== FOOTER ===== */
.footer {
    background-color: var(--navy-dark);
    color: var(--white);
    padding: var(--spacing-xxl) 0 var(--spacing-lg);
}

.footer-content {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: var(--spacing-xl);
    margin-bottom: var(--spacing-xl);
}

.footer-section h4 {
    color: var(--gold-accent);
    margin-bottom: var(--spacing-md);
    font-size: 1.125rem;
}

.footer-section ul {
    list-style: none;
}

.footer-section ul li {
    margin-bottom: var(--spacing-xs);
}

.footer-section a {
    color: rgba(255, 255, 255, 0.8);
}

.footer-section a:hover {
    color: var(--white);
}

.footer-bottom {
    border-top: 1px solid rgba(255, 255, 255, 0.1);
    padding-top: var(--spacing-lg);
    display: flex;
    justify-content: space-between;
    align-items: center;
    flex-wrap: wrap;
    gap: var(--spacing-md);
}

.footer-legal {
    display: flex;
    gap: var(--spacing-lg);
    font-size: 0.875rem;
}

.footer-legal a {
    color: rgba(255, 255, 255, 0.6);
}

/* ===== MOCKUP DISCLAIMER ===== */
.mockup-disclaimer {
    background-color: #FFF3CD;
    border: 1px solid #FFC107;
    color: #856404;
    padding: var(--spacing-sm) var(--spacing-md);
    border-radius: 4px;
    font-size: 0.875rem;
    text-align: center;
    margin: var(--spacing-md) 0;
}

/* ===== RESPONSIVE DESIGN ===== */
@media (max-width: 1200px) {
    .hero-container {
        grid-template-columns: 1fr;
        text-align: center;
    }

    .hero-content p {
        margin: 0 auto var(--spacing-lg);
    }

    .hero-trust-badges {
        justify-content: center;
    }
}

@media (max-width: 992px) {
    .grid-3,
    .grid-4,
    .stats,
    .footer-content {
        grid-template-columns: repeat(2, 1fr);
    }

    .portal-dashboard {
        grid-template-columns: 1fr;
    }

    .photo-section-content {
        gap: var(--spacing-lg);
    }

    .photo-section-image {
        height: 450px;
    }

    .photo-section-card {
        padding: var(--spacing-lg);
    }

    .photo-section-card h2 {
        font-size: 1.75rem;
    }

    .process-steps {
        flex-wrap: wrap;
    }

    .process-step {
        flex-basis: calc(50% - var(--spacing-md));
    }

    .process-step-arrow {
        display: none;
    }

    .value-photo-section {
        min-height: 500px;
        padding: var(--spacing-xxl) 0;
    }

    .value-photo-image {
        width: 50%;
    }

    .value-photo-card {
        max-width: 480px;
        padding: var(--spacing-lg);
    }

    .value-photo-card .value-number {
        font-size: 4rem;
    }

    .value-photo-card h3 {
        font-size: 1.625rem;
    }
}

@media (max-width: 768px) {
    /* Base spacing for mobile comfort */
    .section {
        padding: var(--spacing-xl) 0;
    }

    .container {
        padding: 0 var(--spacing-md);
    }

    /* Navigation optimized for mobile */
    .navbar-container {
        padding: 0 var(--spacing-md);
        height: 70px;
    }

    .navbar-logo-text {
        font-size: 1.25rem;
    }

    .navbar-nav {
        display: none;
        position: absolute;
        top: 70px;
        left: 0;
        right: 0;
        background-color: var(--navy-dark);
        flex-direction: column;
        padding: var(--spacing-md);
        box-shadow: var(--shadow-md);
    }

    .navbar-nav.active {
        display: flex;
    }

    .mobile-menu-toggle {
        display: block;
    }

    /* Typography optimized for mobile screens */
    h1 { font-size: 2rem; line-height: 1.2; }
    h2 { font-size: 1.75rem; line-height: 1.3; }
    h3 { font-size: 1.375rem; line-height: 1.3; }
    h4 { font-size: 1.125rem; }

    /* Hero section - mobile first */
    .hero {
        padding: var(--spacing-xl) 0;
        min-height: auto;
    }

    .hero-content h1 {
        font-size: 2rem;
        margin-bottom: var(--spacing-md);
    }

    .hero-content p {
        font-size: 1.0625rem;
        margin-bottom: var(--spacing-md);
    }

    .hero-content > div:first-child {
        font-size: 0.75rem !important;
        padding: 0.4rem 0.75rem !important;
        margin-bottom: var(--spacing-md) !important;
        text-align: center;
    }

    /* Buttons stack vertically on mobile for better UX */
    .hero-content > div[style*="flex"] {
        flex-direction: column;
        gap: var(--spacing-sm) !important;
        margin-top: var(--spacing-md) !important;
    }

    .btn {
        width: 100%;
        text-align: center;
        padding: var(--spacing-sm) var(--spacing-md);
    }

    .btn-lg {
        padding: 0.875rem var(--spacing-md);
        font-size: 1rem;
    }

    /* Trust badges optimized for mobile */
    .hero-trust-badges {
        flex-direction: column;
        gap: var(--spacing-sm) !important;
        margin-top: var(--spacing-md) !important;
        align-items: flex-start !important;
    }

    .trust-badge {
        font-size: 0.875rem;
    }

    .trust-badge svg {
        width: 20px;
        height: 20px;
    }

    /* Section headers more compact */
    .section-header {
        margin-bottom: var(--spacing-lg);
    }

    .section-header h2 {
        margin-bottom: var(--spacing-sm);
    }

    .section-header p {
        font-size: 1rem;
    }

    /* Cards with better touch targets */
    .card {
        padding: var(--spacing-md);
    }

    .card h3 {
        font-size: 1.25rem;
    }

    .card p {
        font-size: 0.9375rem;
    }

    /* Grids collapse to single column */
    .grid-2,
    .grid-3,
    .grid-4,
    .footer-content {
        grid-template-columns: 1fr;
        gap: var(--spacing-md);
    }

    /* Stats section optimized */
    .stats {
        grid-template-columns: repeat(2, 1fr);
        gap: var(--spacing-md);
    }

    .stat-item {
        padding: var(--spacing-md);
        overflow: hidden;
    }

    .stat-item h3 {
        font-size: 2.25rem;
        word-wrap: break-word;
        overflow-wrap: break-word;
    }

    .stat-item p {
        font-size: 0.75rem;
        line-height: 1.4;
        word-wrap: break-word;
        overflow-wrap: break-word;
    }

    /* Photo sections stack beautifully */
    .photo-section,
    .photo-section-reverse {
        padding: var(--spacing-lg) 0 !important;
        margin: var(--spacing-lg) 0 !important;
        background-color: transparent !important;
    }

    .photo-section-content,
    .photo-section:first-of-type .photo-section-content,
    .photo-section:last-of-type .photo-section-content {
        grid-template-columns: 1fr !important;
        gap: 0 !important;
        display: flex !important;
        flex-direction: column;
    }

    .photo-section-reverse .photo-section-content {
        direction: ltr !important;
    }

    .photo-section-image {
        height: 240px !important;
        order: 1;
        border-radius: 8px 8px 0 0 !important;
        width: 100%;
    }

    .photo-section-card,
    .photo-section:last-of-type .photo-section-card {
        order: 2;
        padding: var(--spacing-md) !important;
        border-radius: 0 0 8px 8px !important;
        box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1) !important;
        border-left: none !important;
        padding-left: var(--spacing-md) !important;
    }

    .photo-section-card h2 {
        font-size: 1.375rem;
    }

    .photo-section-card p {
        font-size: 0.9375rem;
    }

    .photo-section-card ul li {
        font-size: 0.875rem;
        margin-bottom: var(--spacing-sm);
    }

    /* Process steps mobile friendly */
    .process-steps {
        flex-direction: column;
        gap: var(--spacing-md);
    }

    .process-step {
        flex-basis: 100%;
    }

    .process-step-number {
        width: 60px;
        height: 60px;
        font-size: 1.5rem;
    }

    .process-step-content h4 {
        font-size: 1.125rem;
    }

    .process-step-content p {
        font-size: 0.9375rem;
    }

    /* Testimonials mobile optimized */
    .testimonial {
        padding: var(--spacing-md);
    }

    .testimonial-text {
        font-size: 1rem;
        margin-bottom: var(--spacing-md);
    }

    .testimonial-author-avatar {
        width: 40px;
        height: 40px;
    }

    .testimonial-author-info h5 {
        font-size: 0.9375rem;
    }

    .testimonial-author-info p {
        font-size: 0.8125rem;
    }

    /* CTA section mobile */
    .cta-content h2 {
        font-size: 1.875rem;
    }

    .cta-content p {
        font-size: 1.0625rem;
    }

    .cta-meta {
        font-size: 0.875rem;
        text-align: center;
    }

    /* Calculator adjustments */
    .calculator {
        padding: var(--spacing-md);
    }

    .calculator-result-value {
        font-size: 2rem;
    }

    .calculator-result-label {
        font-size: 0.75rem;
    }

    .value-photo-section {
        min-height: auto;
        padding: var(--spacing-lg) 0;
        display: block;
    }

    .value-photo-image {
        position: relative;
        width: 100%;
        height: 280px;
        border-radius: 8px 8px 0 0;
    }

    .value-photo-section .container {
        padding: 0 var(--spacing-md);
    }

    .value-photo-card {
        margin: 0 !important;
        max-width: 100%;
        padding: var(--spacing-lg);
        border-left: 4px solid var(--gold-accent) !important;
        border-right: none !important;
        border-radius: 0 0 8px 8px;
        box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1);
    }

    .value-photo-card .value-number {
        font-size: 3.5rem;
    }

    .value-photo-card h3 {
        font-size: 1.375rem;
    }

    .value-photo-card p {
        font-size: 0.9375rem;
    }
}

/* ===== ANIMATIONS ===== */
@keyframes fadeInUp {
    from {
        opacity: 0;
        transform: translateY(30px);
    }
    to {
        opacity: 1;
        transform: translateY(0);
    }
}

.fade-in-up {
    animation: fadeInUp 0.6s ease-out;
}

.fade-in-up-item {
    opacity: 0;
}

.fade-in-up-item.visible {
    animation: fadeInUp 0.6s ease-out forwards;
}

/* ===== UTILITIES ===== */
.text-center { text-align: center; }
.text-left { text-align: left; }
.text-right { text-align: right; }

.mb-sm { margin-bottom: var(--spacing-sm); }
.mb-md { margin-bottom: var(--spacing-md); }
.mb-lg { margin-bottom: var(--spacing-lg); }
.mb-xl { margin-bottom: var(--spacing-xl); }

.mt-sm { margin-top: var(--spacing-sm); }
.mt-md { margin-top: var(--spacing-md); }
.mt-lg { margin-top: var(--spacing-lg); }
.mt-xl { margin-top: var(--spacing-xl); }

.text-navy { color: var(--navy-primary); }
.text-gold { color: var(--gold-accent); }
.text-green { color: var(--green-accent); }
.text-muted { color: var(--gray-600); }

.fw-bold { font-weight: 700; }
.fw-semibold { font-weight: 600; }
.fw-normal { font-weight: 400; }