/* ==========================================================================
   CSS Variables & Theme
   ========================================================================== */
   :root {
    /* Colors */
    --primary: #00468C; /* Deep Trust Blue */
    --primary-light: #1A69B5;
    --primary-dark: #002D5A;
    
    --secondary: #F39C12; /* Vibrant Orange/Gold */
    --secondary-hover: #D68910;
    
    --accent: #27AE60; /* Success/Growth Green */
    
    --text-main: #334155;
    --text-muted: #64748B;
    --text-light: #F8FAFC;
    
    --bg-main: #FFFFFF;
    --bg-light: #F1F5F9;
    --bg-card: #FFFFFF;
    
    --border-color: #E2E8F0;
    
    /* Typography */
    --font-sans: 'Inter', -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
    --font-display: 'Outfit', -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, sans-serif;
    
    /* Layout */
    --max-width: 1200px;
    --header-height: 80px;
    --topbar-height: 40px;
    
    /* Shadows & Effects */
    --shadow-sm: 0 1px 2px 0 rgb(0 0 0 / 0.05);
    --shadow-md: 0 4px 6px -1px rgb(0 0 0 / 0.1), 0 2px 4px -2px rgb(0 0 0 / 0.1);
    --shadow-lg: 0 10px 15px -3px rgb(0 0 0 / 0.1), 0 4px 6px -4px rgb(0 0 0 / 0.1);
    --shadow-hover: 0 20px 25px -5px rgb(0 0 0 / 0.1), 0 8px 10px -6px rgb(0 0 0 / 0.1);
    
    --transition-fast: 0.2s ease-in-out;
    --transition-normal: 0.3s ease-in-out;
    
    --radius-sm: 0.375rem;
    --radius-md: 0.5rem;
    --radius-lg: 1rem;
    --radius-full: 9999px;
}

/* ==========================================================================
   Reset & Base Styles
   ========================================================================== */
* {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
}

html {
    scroll-behavior: smooth;
}

body {
    font-family: var(--font-sans);
    color: var(--text-main);
    background-color: var(--bg-main);
    line-height: 1.6;
    font-size: 16px;
    -webkit-font-smoothing: antialiased;
}

h1, h2, h3, h4, h5, h6 {
    font-family: var(--font-display);
    color: var(--primary-dark);
    font-weight: 700;
    line-height: 1.2;
    margin-bottom: 1rem;
}

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

a:hover {
    color: var(--secondary);
}

ul {
    list-style: none;
}

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

.container {
    width: 100%;
    max-width: var(--max-width);
    margin: 0 auto;
    padding: 0 1.5rem;
}

.section-padding {
    padding: 5rem 0;
}

.text-center {
    text-align: center;
}

.bg-light {
    background-color: var(--bg-light);
}

/* ==========================================================================
   Typography Utilities
   ========================================================================== */
.section-header {
    margin-bottom: 3rem;
}

.section-header h2 {
    font-size: 2.5rem;
    margin-bottom: 1rem;
}

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

/* ==========================================================================
   Buttons
   ========================================================================== */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    padding: 0.625rem 1.25rem;
    border-radius: var(--radius-md);
    font-weight: 600;
    font-family: var(--font-display);
    text-align: center;
    cursor: pointer;
    transition: all var(--transition-normal);
    border: 2px solid transparent;
}

.btn-primary {
    background-color: var(--secondary);
    color: #fff;
}

.btn-primary:hover {
    background-color: var(--secondary-hover);
    color: #fff;
    transform: translateY(-2px);
    box-shadow: var(--shadow-md);
}

.btn-outline {
    background-color: transparent;
    border-color: #fff;
    color: #fff;
}

.btn-outline:hover {
    background-color: #fff;
    color: var(--primary);
    transform: translateY(-2px);
}

.btn-outline-light {
    background-color: transparent;
    border-color: rgba(255, 255, 255, 0.5);
    color: #fff;
}

.btn-outline-light:hover {
    background-color: #fff;
    color: var(--primary);
}

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

.btn-outline-primary:hover {
    background-color: var(--primary);
    color: #fff;
}

.btn-lg {
    padding: 0.875rem 2rem;
    font-size: 1.125rem;
}

/* ==========================================================================
   Top Bar
   ========================================================================== */
.top-bar {
    background-color: var(--primary-dark);
    color: var(--text-light);
    height: var(--topbar-height);
    font-size: 0.875rem;
    display: flex;
    align-items: center;
}

.top-bar-inner {
    display: flex;
    justify-content: space-between;
    align-items: center;
}

.top-contact a {
    color: rgba(255,255,255,0.8);
    margin-right: 1.5rem;
}

.top-contact a:hover {
    color: #fff;
}

.top-contact i {
    margin-right: 0.5rem;
    color: var(--secondary);
}

.top-rates {
    font-weight: 500;
}

.top-rates i {
    color: var(--secondary);
    margin-right: 0.5rem;
}

/* ==========================================================================
   Header & Navigation
   ========================================================================== */
.header {
    background-color: rgba(255, 255, 255, 0.95);
    backdrop-filter: blur(10px);
    height: var(--header-height);
    display: flex;
    align-items: center;
    position: sticky;
    top: 0;
    z-index: 1000;
    box-shadow: var(--shadow-sm);
    transition: all var(--transition-normal);
}

.navbar {
    display: flex;
    justify-content: space-between;
    align-items: center;
    width: 100%;
}

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

.logo:hover {
    color: var(--primary-dark);
}

.logo-text {
    font-family: var(--font-display);
    font-size: 2rem;
    font-weight: 800;
    color: var(--primary);
    line-height: 1;
}

.logo-subtext {
    font-size: 0.75rem;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 1px;
    color: var(--text-muted);
}

.nav-links {
    display: flex;
    align-items: center;
    gap: 2rem;
}

.nav-links a:not(.btn) {
    color: var(--text-main);
    font-weight: 500;
    font-size: 1rem;
    position: relative;
}

.nav-links a:not(.btn):hover,
.nav-links a:not(.btn).active {
    color: var(--primary);
}

.nav-links a:not(.btn)::after {
    content: '';
    position: absolute;
    bottom: -5px;
    left: 0;
    width: 0;
    height: 2px;
    background-color: var(--primary);
    transition: width var(--transition-normal);
}

.nav-links a:not(.btn):hover::after,
.nav-links a:not(.btn).active::after {
    width: 100%;
}

.mobile-menu-btn {
    display: none;
    font-size: 1.5rem;
    color: var(--primary);
    background: none;
    border: none;
    cursor: pointer;
}

/* ==========================================================================
   Hero Section
   ========================================================================== */
.hero {
    position: relative;
    padding: 6rem 0;
    min-height: calc(100vh - var(--header-height) - var(--topbar-height));
    display: flex;
    align-items: center;
    background-color: var(--primary-dark);
    overflow: hidden;
}

.hero-bg {
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background-image: linear-gradient(rgba(0, 45, 90, 0.85), rgba(0, 45, 90, 0.95)), url('https://images.unsplash.com/photo-1486406146926-c627a92ad1ab?auto=format&fit=crop&q=80');
    background-size: cover;
    background-position: center;
    z-index: 0;
}

.hero .container {
    position: relative;
    z-index: 1;
    display: grid;
    grid-template-columns: 1fr 400px;
    gap: 4rem;
    align-items: center;
}

.hero-content {
    color: #fff;
}

.badge {
    display: inline-block;
    padding: 0.25rem 0.75rem;
    background-color: rgba(243, 156, 18, 0.2);
    color: var(--secondary);
    border: 1px solid rgba(243, 156, 18, 0.5);
    border-radius: var(--radius-full);
    font-size: 0.875rem;
    font-weight: 600;
    margin-bottom: 1.5rem;
    text-transform: uppercase;
    letter-spacing: 1px;
}

.hero-content h1 {
    color: #fff;
    font-size: 3.5rem;
    margin-bottom: 1.5rem;
    line-height: 1.1;
}

.hero-content p {
    font-size: 1.25rem;
    color: rgba(255, 255, 255, 0.8);
    margin-bottom: 2rem;
    max-width: 600px;
}

.hero-btns {
    display: flex;
    gap: 1rem;
}

/* Rates Card */
.hero-rates-card {
    background-color: rgba(255, 255, 255, 0.1);
    backdrop-filter: blur(16px);
    border: 1px solid rgba(255, 255, 255, 0.2);
    border-radius: var(--radius-lg);
    padding: 2rem;
    color: #fff;
}

.hero-rates-card h3 {
    color: #fff;
    font-size: 1.5rem;
    border-bottom: 1px solid rgba(255, 255, 255, 0.2);
    padding-bottom: 1rem;
    margin-bottom: 1rem;
}

.rates-list li {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 0.75rem 0;
    border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}

.rates-list li:last-child {
    border-bottom: none;
}

.rates-list li span {
    color: rgba(255, 255, 255, 0.8);
}

.rates-list li strong {
    font-size: 1.125rem;
    color: var(--secondary);
    font-family: var(--font-display);
}

/* ==========================================================================
   Sectors Section (Tabs)
   ========================================================================== */
.sectors-tabs {
    display: flex;
    flex-wrap: wrap;
    gap: 1rem;
    justify-content: center;
    margin-bottom: 3rem;
}

.tab-btn {
    background-color: var(--bg-main);
    border: 1px solid var(--border-color);
    padding: 1rem 1.5rem;
    border-radius: var(--radius-md);
    cursor: pointer;
    font-family: var(--font-display);
    font-weight: 600;
    font-size: 1rem;
    color: var(--text-muted);
    transition: all var(--transition-fast);
    display: flex;
    align-items: center;
    gap: 0.5rem;
}

.tab-btn i {
    font-size: 1.25rem;
}

.tab-btn:hover {
    border-color: var(--primary);
    color: var(--primary);
}

.tab-btn.active {
    background-color: var(--primary);
    border-color: var(--primary);
    color: #fff;
    box-shadow: var(--shadow-md);
}

.tab-pane {
    display: none;
    animation: fadeIn 0.5s ease;
}

.tab-pane.active {
    display: block;
}

@keyframes fadeIn {
    from { opacity: 0; transform: translateY(10px); }
    to { opacity: 1; transform: translateY(0); }
}

.pane-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 3rem;
    align-items: center;
    background-color: var(--bg-card);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-lg);
    overflow: hidden;
}

.pane-img {
    height: 100%;
    min-height: 400px;
}

.pane-img img {
    height: 100%;
    width: 100%;
    object-fit: cover;
}

.pane-text {
    padding: 3rem;
}

.pane-text h3 {
    font-size: 2rem;
    margin-bottom: 1rem;
}

.pane-text p {
    color: var(--text-muted);
    margin-bottom: 1.5rem;
    font-size: 1.125rem;
}

.check-list li {
    position: relative;
    padding-left: 2rem;
    margin-bottom: 0.75rem;
    color: var(--text-main);
}

.check-list li i {
    position: absolute;
    left: 0;
    top: 4px;
    color: var(--accent);
}

.two-col-list {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 1rem;
}

/* ==========================================================================
   Features section
   ========================================================================== */
.features-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 2rem;
}

.feature-card {
    background-color: var(--bg-card);
    padding: 3rem 2rem;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-md);
    text-align: center;
    transition: transform var(--transition-normal);
}

.feature-card:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-hover);
}

.feature-card .icon {
    width: 80px;
    height: 80px;
    background-color: rgba(0, 70, 140, 0.1);
    color: var(--primary);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 2rem;
    margin: 0 auto 1.5rem;
}

/* ==========================================================================
   CTA Section
   ========================================================================== */
.cta {
    background-color: var(--primary);
    padding: 5rem 0;
    color: #fff;
    text-align: center;
    background-image: radial-gradient(circle at right top, var(--primary-light), var(--primary));
}

.cta-content h2 {
    color: #fff;
    font-size: 2.5rem;
    margin-bottom: 1rem;
}

.cta-content p {
    font-size: 1.25rem;
    color: rgba(255,255,255,0.8);
    margin-bottom: 2rem;
}

.cta-actions {
    display: flex;
    justify-content: center;
    gap: 1rem;
}

/* ==========================================================================
   Footer
   ========================================================================== */
.footer {
    background-color: #0f172a; /* Very dark slate */
    color: #94a3b8;
    padding-top: 5rem;
}

.footer-grid {
    display: grid;
    grid-template-columns: 2fr 1fr 1fr 1.5fr;
    gap: 3rem;
    margin-bottom: 4rem;
}

.footer-logo .logo-text {
    color: #fff;
}

.footer-logo .logo-subtext {
    color: #cbd5e1;
}

.brand-col p {
    margin-top: 1.5rem;
    margin-bottom: 1.5rem;
}

.social-links {
    display: flex;
    gap: 1rem;
}

.social-links a {
    width: 40px;
    height: 40px;
    background-color: rgba(255,255,255,0.1);
    color: #fff;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    transition: all var(--transition-fast);
}

.social-links a:hover {
    background-color: var(--secondary);
    transform: translateY(-3px);
}

.footer-col h4 {
    color: #fff;
    font-size: 1.25rem;
    margin-bottom: 1.5rem;
}

.footer-col ul li {
    margin-bottom: 0.75rem;
}

.footer-col ul a {
    color: #94a3b8;
}

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

.contact-info li {
    display: flex;
    gap: 1rem;
    align-items: flex-start;
}

.contact-info i {
    color: var(--secondary);
    margin-top: 4px;
}

.footer-bottom {
    border-top: 1px solid rgba(255,255,255,0.1);
    padding: 2rem 0;
    font-size: 0.875rem;
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 2rem;
}

.disclaimer {
    flex: 1;
}

.disclaimer strong {
    color: #fff;
    display: block;
    margin-bottom: 0.5rem;
}

/* ==========================================================================
   Responsive Design
   ========================================================================== */
@media (max-width: 1024px) {
    .hero .container {
        grid-template-columns: 1fr;
        gap: 2rem;
    }
    
    .hero-rates-card {
        max-width: 500px;
    }

    .pane-grid {
        grid-template-columns: 1fr;
    }
    
    .pane-img {
        min-height: 300px;
    }
    
    .footer-grid {
        grid-template-columns: 1fr 1fr;
    }
    
    .footer-bottom {
        flex-direction: column;
        text-align: center;
    }
}

@media (max-width: 768px) {
    .top-bar {
        display: none;
    }
    
    .nav-links {
        position: absolute;
        top: var(--header-height);
        left: 0;
        width: 100%;
        background-color: #fff;
        flex-direction: column;
        gap: 0;
        box-shadow: var(--shadow-md);
        clip-path: polygon(0 0, 100% 0, 100% 0, 0 0);
        transition: clip-path 0.3s ease-in-out;
    }
    
    .nav-links.active {
        clip-path: polygon(0 0, 100% 0, 100% 100%, 0 100%);
    }
    
    .nav-links a {
        padding: 1rem 1.5rem;
        width: 100%;
        border-bottom: 1px solid var(--border-color);
    }
    
    .nav-links a.btn {
        margin: 1rem;
        width: calc(100% - 2rem);
    }
    
    .mobile-menu-btn {
        display: block;
    }
    
    .hero-content h1 {
        font-size: 2.5rem;
    }
    
    .hero-btns {
        flex-direction: column;
    }
    
    .features-grid {
        grid-template-columns: 1fr;
    }
    
    .two-col-list {
        grid-template-columns: 1fr;
    }
    
    .cta-actions {
        flex-direction: column;
    }
}

@media (max-width: 480px) {
    .footer-grid {
        grid-template-columns: 1fr;
    }
    
    .pane-text {
        padding: 1.5rem;
    }
}

/* ==========================================================================
   Page Specific Layouts
   ========================================================================== */
/* Page Header */
.page-header {
    background-color: var(--primary-dark);
    color: #fff;
    padding: 6rem 0 3rem;
    text-align: center;
    background-image: linear-gradient(rgba(0, 45, 90, 0.9), rgba(0, 45, 90, 0.9)), url('https://images.unsplash.com/photo-1486406146926-c627a92ad1ab?auto=format&fit=crop&q=80');
    background-size: cover;
    background-position: center;
}

.page-header h1 {
    color: #fff;
    font-size: 3rem;
    margin-bottom: 1rem;
}

.page-header p {
    font-size: 1.25rem;
    color: rgba(255,255,255,0.8);
    max-width: 600px;
    margin: 0 auto;
}

/* Content Area */
.content-section {
    padding: 5rem 0;
}

.content-box {
    background-color: var(--bg-card);
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-sm);
    padding: 3rem;
    border: 1px solid var(--border-color);
}

.content-box h2, .content-box h3 {
    margin-top: 2rem;
}

.content-box h2:first-child, .content-box h3:first-child {
    margin-top: 0;
}

.content-box p {
    margin-bottom: 1.5rem;
    color: var(--text-muted);
}

.content-box ul {
    margin-bottom: 1.5rem;
    padding-left: 1.5rem;
    list-style-type: disc;
    color: var(--text-muted);
}

.content-box ul li {
    margin-bottom: 0.5rem;
}

/* Contact Form Layout */
.contact-layout {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 4rem;
}

@media (max-width: 768px) {
    .contact-layout {
        grid-template-columns: 1fr;
    }
}

.contact-info-card {
    background-color: var(--bg-light);
    padding: 2rem;
    border-radius: var(--radius-md);
    margin-bottom: 2rem;
    display: flex;
    align-items: flex-start;
    gap: 1rem;
}

.contact-info-card .icon {
    font-size: 2rem;
    color: var(--primary);
}

.contact-info-card h3 {
    margin-bottom: 0.5rem;
    font-size: 1.25rem;
}

.form-group {
    margin-bottom: 1.5rem;
}

.form-group label {
    display: block;
    margin-bottom: 0.5rem;
    font-weight: 500;
}

.form-control {
    width: 100%;
    padding: 0.75rem 1rem;
    border: 1px solid var(--border-color);
    border-radius: var(--radius-sm);
    font-family: var(--font-sans);
    font-size: 1rem;
    transition: border-color var(--transition-fast);
}

.form-control:focus {
    outline: none;
    border-color: var(--primary);
    box-shadow: 0 0 0 3px rgba(0, 70, 140, 0.1);
}

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