/* ================================================================
   BPR Cinta Rakyat — Kinetic Heritage v2 Pro
   Trust & Authority + Glassmorphism + Motion
   Fonts: IBM Plex Sans (financial, trustworthy)
   ================================================================ */

@import url('https://fonts.googleapis.com/css2?family=IBM+Plex+Sans:wght@300;400;500;600;700&family=IBM+Plex+Serif:wght@400;600;700&display=swap');

/* ═══════════════════════ TOKENS ═══════════════════════ */
:root {
  /* Brand */
  --blue-950: #001229;
  --blue-900: #001e40;
  --blue-800: #002a58;
  --blue-700: #003366;
  --blue-600: #1a4a80;
  --blue-500: #2d6aad;
  --blue-100: #dce9ff;
  --blue-50:  #eff4ff;

  --gold-600: #b8913f;
  --gold-500: #C5A059;
  --gold-400: #d4b070;
  --gold-300: #e4c88a;
  --gold-100: #fdf3dc;

  --surface:  #f8f9ff;
  --surface-2: #eff4ff;
  --surface-3: #e5eeff;
  --white:    #ffffff;

  --text-primary:   #0b1c30;
  --text-secondary: #43474f;
  --text-muted:     #737780;
  --text-white:     #ffffff;

  --border:         #c3c6d1;
  --border-light:   #e5eeff;

  /* Shadows */
  --shadow-xs: 0 1px 3px rgba(0,30,64,0.06);
  --shadow-sm: 0 2px 8px rgba(0,30,64,0.08);
  --shadow-md: 0 8px 24px rgba(0,30,64,0.10);
  --shadow-lg: 0 16px 48px rgba(0,30,64,0.14);
  --shadow-xl: 0 32px 80px rgba(0,30,64,0.18);
  --shadow-gold: 0 8px 32px rgba(197,160,89,0.30);
  --shadow-blue: 0 8px 32px rgba(0,51,102,0.28);

  /* Spacing */
  --container: 1280px;
  --gutter: 24px;
  --section-y: 96px;

  /* Radius */
  --r-xs:  2px;
  --r-sm:  4px;
  --r-md:  8px;
  --r-lg:  12px;
  --r-xl:  20px;
  --r-2xl: 32px;
  --r-full: 9999px;

  /* Motion */
  --ease-out: cubic-bezier(0.16, 1, 0.3, 1);
  --ease-in-out: cubic-bezier(0.45, 0, 0.55, 1);
  --dur-fast: 150ms;
  --dur-base: 250ms;
  --dur-slow: 400ms;
  --dur-slower: 600ms;
}

/* ═══════════════════════ RESET ═══════════════════════ */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  font-family: 'IBM Plex Sans', -apple-system, BlinkMacSystemFont, sans-serif;
  font-size: 16px;
  line-height: 1.6;
  color: var(--text-primary);
  background: var(--surface);
  overflow-x: hidden;
}
a { text-decoration: none; color: inherit; }
img { max-width: 100%; display: block; }
button, input, select, textarea { font-family: inherit; }

/* ═══════════════════════ TYPOGRAPHY ═══════════════════════ */
h1, h2, h3, h4, h5 {
  font-family: 'IBM Plex Sans', sans-serif;
  font-weight: 700;
  line-height: 1.15;
  color: var(--text-primary);
  letter-spacing: -0.01em;
}
h1 { font-size: clamp(36px, 5.5vw, 64px); letter-spacing: -0.025em; }
h2 { font-size: clamp(28px, 4vw, 44px); letter-spacing: -0.02em; }
h3 { font-size: clamp(20px, 2.5vw, 28px); }
h4 { font-size: 18px; font-weight: 600; }
h5 { font-size: 15px; font-weight: 600; }
p  { color: var(--text-secondary); line-height: 1.75; }

.text-gradient {
  background: linear-gradient(135deg, var(--blue-700) 0%, var(--blue-500) 50%, var(--gold-500) 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}
.text-gradient-gold {
  background: linear-gradient(135deg, var(--gold-400) 0%, var(--gold-500) 50%, var(--gold-300) 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

/* ═══════════════════════ LAYOUT ═══════════════════════ */
.container {
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 var(--gutter);
}
.section { padding: var(--section-y) 0; }
.section-sm { padding: 64px 0; }
.section-alt { background: var(--surface-2); }
.section-dark {
  background: var(--blue-900);
  color: var(--text-white);
}

.section-title {
  text-align: center;
  margin-bottom: 64px;
}
.section-title h2 { margin-bottom: 14px; }
.section-title p {
  font-size: 18px;
  max-width: 560px;
  margin: 0 auto;
  line-height: 1.7;
}

.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 32px; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }

/* ═══════════════════════ SECTION LABEL ═══════════════════════ */
.label-tag {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: rgba(197,160,89,0.12);
  border: 1px solid rgba(197,160,89,0.30);
  color: var(--gold-600);
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 0.10em;
  text-transform: uppercase;
  padding: 5px 14px;
  border-radius: var(--r-full);
  margin-bottom: 16px;
}
.label-tag-blue {
  background: rgba(0,51,102,0.08);
  border-color: rgba(0,51,102,0.20);
  color: var(--blue-700);
}

/* ═══════════════════════ BREADCRUMB ═══════════════════════ */
.breadcrumb {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 13px;
  color: rgba(255,255,255,0.65);
  margin-bottom: 20px;
}
.breadcrumb a { color: rgba(255,255,255,0.8); transition: color var(--dur-fast); }
.breadcrumb a:hover { color: var(--gold-400); }
.breadcrumb-sep { opacity: 0.5; }

/* ═══════════════════════ NAVBAR ═══════════════════════ */
.navbar {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(255,255,255,0.88);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  border-bottom: 1px solid rgba(195,198,209,0.6);
  box-shadow: 0 1px 24px rgba(0,30,64,0.08);
  transition: background var(--dur-base), box-shadow var(--dur-base);
}
.navbar.scrolled {
  background: rgba(255,255,255,0.96);
  box-shadow: 0 2px 32px rgba(0,30,64,0.12);
}
.navbar-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 72px;
  gap: 24px;
}
.navbar-logo {
  display: flex;
  align-items: center;
  gap: 12px;
  flex-shrink: 0;
  cursor: pointer;
}
.logo-mark {
  width: 42px;
  height: 42px;
  background: linear-gradient(135deg, var(--blue-700) 0%, var(--blue-900) 100%);
  border-radius: var(--r-md);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  box-shadow: var(--shadow-blue);
  transition: transform var(--dur-base) var(--ease-out);
}
.navbar-logo:hover .logo-mark { transform: scale(1.05) rotate(-2deg); }
.logo-text-main {
  font-size: 15px;
  font-weight: 700;
  color: var(--blue-900);
  line-height: 1.1;
  letter-spacing: -0.01em;
}
.logo-text-sub {
  font-size: 10px;
  font-weight: 400;
  color: var(--text-muted);
  letter-spacing: 0.04em;
}
.navbar-nav {
  display: flex;
  align-items: center;
  gap: 2px;
  list-style: none;
  flex: 1;
  justify-content: center;
}
.navbar-nav a {
  display: block;
  padding: 8px 14px;
  border-radius: var(--r-sm);
  font-size: 14px;
  font-weight: 500;
  color: var(--text-secondary);
  transition: color var(--dur-fast), background var(--dur-fast);
  white-space: nowrap;
  cursor: pointer;
}
.navbar-nav a:hover { color: var(--blue-700); background: var(--blue-50); }
.navbar-nav a.active { color: var(--blue-700); font-weight: 600; background: var(--blue-50); }
.navbar-actions { display: flex; align-items: center; gap: 12px; flex-shrink: 0; }
.btn-nav-ghost {
  padding: 8px 16px;
  font-size: 14px;
  font-weight: 500;
  color: var(--blue-700);
  border-radius: var(--r-sm);
  cursor: pointer;
  transition: background var(--dur-fast);
}
.btn-nav-ghost:hover { background: var(--blue-50); }
.menu-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 8px;
}
.menu-toggle span { display: block; width: 22px; height: 2px; background: var(--text-primary); border-radius: 2px; transition: all 0.3s; }

/* ═══════════════════════ BUTTONS ═══════════════════════ */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 13px 28px;
  border-radius: var(--r-sm);
  font-size: 15px;
  font-weight: 600;
  cursor: pointer;
  border: 2px solid transparent;
  transition: all var(--dur-base) var(--ease-out);
  position: relative;
  overflow: hidden;
  white-space: nowrap;
  letter-spacing: 0.01em;
  text-decoration: none;
}
.btn::after {
  content: '';
  position: absolute;
  inset: 0;
  background: rgba(255,255,255,0);
  transition: background var(--dur-fast);
}
.btn:hover::after { background: rgba(255,255,255,0.08); }

.btn-primary {
  background: var(--blue-700);
  color: white;
  border-color: var(--blue-700);
  box-shadow: 0 4px 16px rgba(0,51,102,0.22);
}
.btn-primary:hover {
  background: var(--blue-800);
  border-color: var(--blue-800);
  transform: translateY(-2px);
  box-shadow: var(--shadow-blue);
}
.btn-gold {
  background: linear-gradient(135deg, var(--gold-500) 0%, var(--gold-600) 100%);
  color: white;
  border-color: transparent;
  box-shadow: var(--shadow-gold);
}
.btn-gold:hover {
  background: linear-gradient(135deg, var(--gold-400) 0%, var(--gold-500) 100%);
  transform: translateY(-2px);
  box-shadow: 0 12px 40px rgba(197,160,89,0.40);
}
.btn-outline {
  background: transparent;
  color: var(--blue-700);
  border-color: var(--blue-700);
}
.btn-outline:hover {
  background: var(--blue-700);
  color: white;
  transform: translateY(-2px);
}
.btn-outline-white {
  background: rgba(255,255,255,0.12);
  color: white;
  border-color: rgba(255,255,255,0.35);
  backdrop-filter: blur(8px);
}
.btn-outline-white:hover {
  background: rgba(255,255,255,0.22);
  border-color: rgba(255,255,255,0.55);
  transform: translateY(-2px);
}
.btn-sm { padding: 9px 20px; font-size: 13px; }
.btn-lg { padding: 16px 36px; font-size: 16px; }
.btn-nav-cta {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: linear-gradient(135deg, var(--gold-500), var(--gold-600));
  color: white;
  padding: 10px 22px;
  border-radius: var(--r-sm);
  font-size: 14px;
  font-weight: 600;
  cursor: pointer;
  transition: all var(--dur-base) var(--ease-out);
  box-shadow: 0 4px 14px rgba(197,160,89,0.30);
  white-space: nowrap;
}
.btn-nav-cta:hover { transform: translateY(-2px); box-shadow: var(--shadow-gold); }

/* Ripple effect */
.btn-ripple { position: relative; overflow: hidden; }
.ripple-circle {
  position: absolute;
  border-radius: 50%;
  background: rgba(255,255,255,0.4);
  transform: scale(0);
  animation: ripple-anim 0.6s linear;
  pointer-events: none;
}
@keyframes ripple-anim {
  to { transform: scale(4); opacity: 0; }
}

/* ═══════════════════════ HERO ═══════════════════════ */
.hero {
  background: linear-gradient(135deg, var(--blue-950) 0%, var(--blue-900) 45%, #0d2d52 100%);
  color: white;
  padding: 110px 0 90px;
  position: relative;
  overflow: hidden;
  min-height: 90vh;
  display: flex;
  align-items: center;
}
/* Animated gradient blobs */
.hero-blob {
  position: absolute;
  border-radius: 50%;
  filter: blur(80px);
  pointer-events: none;
}
.hero-blob-1 {
  width: 600px; height: 600px;
  background: radial-gradient(circle, rgba(197,160,89,0.18) 0%, transparent 70%);
  top: -150px; right: -100px;
  animation: blob-drift 12s ease-in-out infinite alternate;
}
.hero-blob-2 {
  width: 400px; height: 400px;
  background: radial-gradient(circle, rgba(45,106,173,0.25) 0%, transparent 70%);
  bottom: -100px; left: 10%;
  animation: blob-drift 16s ease-in-out infinite alternate-reverse;
}
.hero-blob-3 {
  width: 300px; height: 300px;
  background: radial-gradient(circle, rgba(197,160,89,0.10) 0%, transparent 70%);
  top: 40%; right: 20%;
  animation: blob-drift 10s ease-in-out infinite alternate;
}
@keyframes blob-drift {
  from { transform: translate(0, 0) scale(1); }
  to   { transform: translate(40px, -30px) scale(1.1); }
}

/* Grid overlay */
.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,0.03) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.03) 1px, transparent 1px);
  background-size: 60px 60px;
  pointer-events: none;
}

.hero-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
  position: relative;
  z-index: 1;
}
.hero-badge-row {
  display: flex;
  align-items: center;
  gap: 10px;
  flex-wrap: wrap;
  margin-bottom: 28px;
}
.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: rgba(255,255,255,0.10);
  backdrop-filter: blur(10px);
  border: 1px solid rgba(255,255,255,0.18);
  padding: 6px 14px;
  border-radius: var(--r-full);
  font-size: 12px;
  font-weight: 500;
  color: rgba(255,255,255,0.90);
  white-space: nowrap;
}
.hero-badge svg { opacity: 0.8; }
.hero h1 {
  color: white;
  margin-bottom: 24px;
  font-size: clamp(38px, 5vw, 64px);
}
.hero h1 .highlight {
  background: linear-gradient(135deg, var(--gold-300) 0%, var(--gold-500) 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}
.hero p {
  color: rgba(255,255,255,0.80);
  font-size: 18px;
  line-height: 1.75;
  margin-bottom: 40px;
  max-width: 520px;
}
.hero-actions { display: flex; gap: 16px; flex-wrap: wrap; align-items: center; }
.hero-trust {
  display: flex;
  align-items: center;
  gap: 24px;
  margin-top: 40px;
  padding-top: 32px;
  border-top: 1px solid rgba(255,255,255,0.12);
}
.hero-trust-item {
  display: flex;
  flex-direction: column;
  gap: 2px;
}
.hero-trust-num {
  font-size: 22px;
  font-weight: 700;
  color: var(--gold-300);
  font-variant-numeric: tabular-nums;
}
.hero-trust-label { font-size: 12px; color: rgba(255,255,255,0.60); }

/* Hero visual */
.hero-visual {
  position: relative;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 48px 32px;
}
.hero-card-main {
  background: rgba(255,255,255,0.10);
  backdrop-filter: blur(16px);
  border: 1px solid rgba(255,255,255,0.18);
  border-radius: var(--r-xl);
  padding: 32px;
  width: 100%;
  max-width: 340px;
  position: relative;
  z-index: 2;
  animation: card-float 6s ease-in-out infinite;
}
.hero-card-floating {
  position: absolute;
  background: rgba(255,255,255,0.12);
  backdrop-filter: blur(12px);
  border: 1px solid rgba(255,255,255,0.15);
  border-radius: var(--r-lg);
  padding: 14px 18px;
  z-index: 3;
}
.hero-card-floating-1 {
  top: 8px; right: 8px;
  animation: card-float 5s ease-in-out 1s infinite;
}
.hero-card-floating-2 {
  bottom: 8px; left: 8px;
  animation: card-float 7s ease-in-out 0.5s infinite;
}
@keyframes card-float {
  0%, 100% { transform: translateY(0px); }
  50% { transform: translateY(-12px); }
}
.account-label { font-size: 11px; color: rgba(255,255,255,0.60); text-transform: uppercase; letter-spacing: 0.08em; margin-bottom: 4px; }
.account-num { font-size: 17px; font-weight: 700; color: white; letter-spacing: 0.08em; margin-bottom: 20px; }
.balance-label { font-size: 11px; color: rgba(255,255,255,0.60); margin-bottom: 4px; }
.balance-amount { font-size: 28px; font-weight: 700; color: var(--gold-300); }
.balance-currency { font-size: 14px; color: rgba(255,255,255,0.60); margin-bottom: 20px; }
.card-chip { width: 28px; height: 20px; background: linear-gradient(135deg, var(--gold-400), var(--gold-600)); border-radius: 3px; margin-bottom: 20px; }
.card-actions { display: flex; gap: 10px; margin-top: 20px; }
.card-action-btn {
  flex: 1;
  background: rgba(255,255,255,0.12);
  border: 1px solid rgba(255,255,255,0.15);
  border-radius: var(--r-md);
  padding: 10px;
  text-align: center;
  font-size: 11px;
  color: rgba(255,255,255,0.80);
  cursor: pointer;
  transition: background var(--dur-fast);
}
.card-action-btn:hover { background: rgba(255,255,255,0.20); }
.card-action-btn svg { margin: 0 auto 4px; display: block; }

/* Page Hero */
.page-hero {
  background: linear-gradient(135deg, var(--blue-950) 0%, var(--blue-900) 60%, var(--blue-800) 100%);
  padding: 72px 0 56px;
  position: relative;
  overflow: hidden;
  color: white;
}
.page-hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,0.025) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.025) 1px, transparent 1px);
  background-size: 48px 48px;
}
.page-hero-blob {
  position: absolute;
  width: 400px; height: 400px;
  background: radial-gradient(circle, rgba(197,160,89,0.15) 0%, transparent 70%);
  top: -100px; right: -50px;
  filter: blur(60px);
  pointer-events: none;
}
.page-hero .container { position: relative; z-index: 1; }
.page-hero h1 { color: white; margin-bottom: 12px; }
.page-hero p { color: rgba(255,255,255,0.75); font-size: 17px; max-width: 580px; }

/* ═══════════════════════ CARDS ═══════════════════════ */
.card {
  background: white;
  border-radius: var(--r-lg);
  border: 1px solid var(--border-light);
  padding: 32px;
  transition: all var(--dur-slow) var(--ease-out);
  position: relative;
  overflow: hidden;
}
.card::before {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(197,160,89,0) 0%, rgba(197,160,89,0.03) 100%);
  opacity: 0;
  transition: opacity var(--dur-slow);
}
.card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); border-color: var(--border); }
.card:hover::before { opacity: 1; }

/* Product Card */
.product-card {
  background: white;
  border-radius: var(--r-xl);
  border: 1px solid var(--border-light);
  padding: 36px;
  transition: all var(--dur-slow) var(--ease-out);
  position: relative;
  overflow: hidden;
  cursor: default;
}
.product-card-accent {
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 4px;
  background: linear-gradient(90deg, var(--blue-700), var(--gold-500));
  transform: scaleX(0);
  transform-origin: left;
  transition: transform var(--dur-slow) var(--ease-out);
}
.product-card:hover .product-card-accent { transform: scaleX(1); }
.product-card:hover { transform: translateY(-8px); box-shadow: var(--shadow-xl); }
.product-card-icon {
  width: 60px; height: 60px;
  border-radius: var(--r-md);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 24px;
  transition: transform var(--dur-base) var(--ease-out);
}
.product-card-icon.blue { background: rgba(0,51,102,0.08); color: var(--blue-700); }
.product-card-icon.gold { background: rgba(197,160,89,0.10); color: var(--gold-600); }
.product-card:hover .product-card-icon { transform: scale(1.1) rotate(-3deg); }
.product-card h3 { margin-bottom: 10px; }
.product-card > p { font-size: 14px; margin-bottom: 16px; }
.product-rate {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: var(--blue-50);
  color: var(--blue-700);
  font-size: 13px;
  font-weight: 700;
  padding: 7px 14px;
  border-radius: var(--r-full);
  margin-bottom: 20px;
  border: 1px solid var(--blue-100);
}
.product-features { list-style: none; margin-bottom: 24px; }
.product-features li {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 8px 0;
  font-size: 14px;
  color: var(--text-secondary);
  border-bottom: 1px solid var(--surface-3);
}
.product-features li:last-child { border-bottom: none; }
.feature-check { color: var(--gold-500); flex-shrink: 0; }

/* Advantage Card */
.advantage-card {
  background: white;
  border-radius: var(--r-xl);
  border: 1px solid var(--border-light);
  padding: 36px 28px;
  text-align: center;
  transition: all var(--dur-slow) var(--ease-out);
  position: relative;
  overflow: hidden;
}
.advantage-card:hover { transform: translateY(-8px); box-shadow: var(--shadow-lg); }
.advantage-icon-wrap {
  width: 72px; height: 72px;
  background: linear-gradient(135deg, var(--blue-50), var(--surface-3));
  border-radius: var(--r-xl);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 24px;
  color: var(--blue-700);
  transition: all var(--dur-base) var(--ease-out);
  border: 1px solid var(--blue-100);
}
.advantage-card:hover .advantage-icon-wrap {
  background: linear-gradient(135deg, var(--blue-700), var(--blue-500));
  color: white;
  transform: scale(1.1) rotate(5deg);
  border-color: transparent;
  box-shadow: var(--shadow-blue);
}
.advantage-card h4 { margin-bottom: 8px; }
.advantage-card p { font-size: 14px; }

/* News Card */
.news-card {
  background: white;
  border-radius: var(--r-xl);
  border: 1px solid var(--border-light);
  overflow: hidden;
  transition: all var(--dur-slow) var(--ease-out);
  display: flex;
  flex-direction: column;
  cursor: pointer;
}
.news-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); }
.news-thumbnail {
  height: 200px;
  background: #e2e8f0;
  position: relative;
  overflow: hidden;
  flex-shrink: 0;
}
.news-thumbnail img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
  transition: transform 0.4s ease;
}
.news-card:hover .news-thumbnail img { transform: scale(1.05); }
.news-thumbnail::after {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(to top, rgba(0,30,64,0.25), transparent);
  pointer-events: none;
}
.news-thumbnail svg { display: none; }
.news-body { padding: 24px; flex: 1; display: flex; flex-direction: column; }
.news-meta { display: flex; align-items: center; gap: 8px; margin-bottom: 12px; }
.news-category {
  display: inline-block;
  background: var(--blue-50);
  color: var(--blue-700);
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  padding: 3px 10px;
  border-radius: var(--r-full);
  border: 1px solid var(--blue-100);
}
.news-date { font-size: 12px; color: var(--text-muted); }
.news-card h4 { font-size: 16px; margin-bottom: 10px; line-height: 1.4; }
.news-card p { font-size: 14px; flex: 1; }
.read-more {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  color: var(--blue-700);
  font-weight: 600;
  font-size: 14px;
  margin-top: 16px;
  transition: gap var(--dur-base);
}
.read-more:hover { gap: 10px; }

/* ═══════════════════════ STATS STRIP ═══════════════════════ */
.stats-strip {
  background: linear-gradient(135deg, var(--blue-900) 0%, var(--blue-700) 100%);
  padding: 56px 0;
  position: relative;
  overflow: hidden;
}
.stats-strip::before {
  content: '';
  position: absolute;
  inset: 0;
  background-image: linear-gradient(rgba(255,255,255,0.03) 1px, transparent 1px),
                    linear-gradient(90deg, rgba(255,255,255,0.03) 1px, transparent 1px);
  background-size: 40px 40px;
}
.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  position: relative;
  z-index: 1;
}
.stat-item {
  text-align: center;
  padding: 24px 16px;
  border-radius: var(--r-lg);
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.10);
  transition: all var(--dur-base);
}
.stat-item:hover { background: rgba(255,255,255,0.10); transform: translateY(-4px); }
.stat-number {
  font-size: 40px;
  font-weight: 700;
  color: var(--gold-300);
  display: block;
  line-height: 1;
  margin-bottom: 8px;
  font-variant-numeric: tabular-nums;
}
.stat-label { font-size: 13px; color: rgba(255,255,255,0.70); font-weight: 500; }
.stat-divider {
  display: none;
  width: 1px;
  background: rgba(255,255,255,0.15);
  margin: 0 auto;
}

/* ═══════════════════════ CTA STRIP ═══════════════════════ */
.cta-strip {
  background: linear-gradient(135deg, var(--gold-600) 0%, var(--gold-500) 50%, var(--gold-400) 100%);
  padding: 80px 0;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.cta-strip::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse at center, rgba(255,255,255,0.12) 0%, transparent 60%);
}
.cta-strip .container { position: relative; z-index: 1; }
.cta-strip h2 { color: white; margin-bottom: 14px; font-size: clamp(26px, 4vw, 40px); }
.cta-strip p { color: rgba(255,255,255,0.88); font-size: 17px; margin-bottom: 40px; }
.cta-actions { display: flex; gap: 16px; justify-content: center; flex-wrap: wrap; }

/* ═══════════════════════ TRUST BADGES ═══════════════════════ */
.trust-bar {
  background: var(--blue-950);
  padding: 16px 0;
  border-bottom: 1px solid rgba(255,255,255,0.06);
}
.trust-bar-inner {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 40px;
  flex-wrap: wrap;
}
.trust-badge {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 13px;
  font-weight: 600;
  color: rgba(255,255,255,0.75);
}
.trust-badge-icon { color: var(--gold-400); }

/* ═══════════════════════ FOOTER ═══════════════════════ */
.footer {
  background: var(--blue-950);
  color: white;
  padding: 80px 0 0;
  position: relative;
  overflow: hidden;
}
.footer::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 1px;
  background: linear-gradient(90deg, transparent, rgba(197,160,89,0.5), transparent);
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 48px;
  padding-bottom: 56px;
}
.footer-brand p {
  color: rgba(255,255,255,0.55);
  font-size: 14px;
  line-height: 1.75;
  margin: 20px 0 28px;
  max-width: 280px;
}
.footer-col h5 {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold-400);
  margin-bottom: 20px;
}
.footer-links { list-style: none; }
.footer-links li { margin-bottom: 11px; }
.footer-links a {
  color: rgba(255,255,255,0.55);
  font-size: 14px;
  transition: color var(--dur-fast);
  display: flex;
  align-items: center;
  gap: 6px;
}
.footer-links a:hover { color: white; }
.footer-links a::before {
  content: '';
  width: 4px; height: 4px;
  border-radius: 50%;
  background: var(--gold-500);
  flex-shrink: 0;
  opacity: 0;
  transition: opacity var(--dur-fast);
}
.footer-links a:hover::before { opacity: 1; }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.08);
  padding: 28px 0;
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 16px;
}
.footer-bottom p { font-size: 13px; color: rgba(255,255,255,0.45); }
.footer-bottom a { color: rgba(255,255,255,0.55); transition: color var(--dur-fast); }
.footer-bottom a:hover { color: var(--gold-400); }
.footer-badges { display: flex; align-items: center; gap: 12px; }
.footer-badge {
  display: flex;
  align-items: center;
  gap: 6px;
  background: rgba(255,255,255,0.07);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: var(--r-sm);
  padding: 6px 14px;
  font-size: 12px;
  font-weight: 600;
  color: rgba(255,255,255,0.80);
}
.social-links { display: flex; gap: 10px; margin-top: 20px; }
.social-links a {
  width: 38px; height: 38px;
  background: rgba(255,255,255,0.07);
  border: 1px solid rgba(255,255,255,0.10);
  border-radius: var(--r-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  color: rgba(255,255,255,0.60);
  transition: all var(--dur-base);
}
.social-links a:hover { background: var(--gold-500); color: white; border-color: transparent; transform: translateY(-3px); }

/* ═══════════════════════ FORMS ═══════════════════════ */
.form-group { margin-bottom: 24px; }
.form-label {
  display: block;
  font-size: 13px;
  font-weight: 600;
  color: var(--text-primary);
  margin-bottom: 8px;
  letter-spacing: 0.01em;
}
.form-label .required { color: #ba1a1a; margin-left: 2px; }
.form-control {
  width: 100%;
  padding: 12px 16px;
  border: 1.5px solid var(--border);
  border-radius: var(--r-sm);
  font-size: 15px;
  color: var(--text-primary);
  background: white;
  transition: border-color var(--dur-fast), box-shadow var(--dur-fast);
  outline: none;
  -webkit-appearance: none;
}
.form-control::placeholder { color: var(--text-muted); }
.form-control:focus {
  border-color: var(--blue-700);
  box-shadow: 0 0 0 3px rgba(0,51,102,0.10);
}
.form-control:hover:not(:focus) { border-color: var(--text-muted); }
textarea.form-control { resize: vertical; min-height: 120px; }
select.form-control { cursor: pointer; }

.form-hint { font-size: 12px; color: var(--text-muted); margin-top: 5px; }

/* ═══════════════════════ TABLE ═══════════════════════ */
.table-wrap { overflow-x: auto; border-radius: var(--r-lg); border: 1px solid var(--border-light); box-shadow: var(--shadow-sm); }
table { width: 100%; border-collapse: collapse; }
thead { background: linear-gradient(135deg, var(--blue-900), var(--blue-700)); }
thead th { padding: 16px 20px; text-align: left; font-size: 13px; font-weight: 600; color: white; letter-spacing: 0.02em; }
tbody tr { border-bottom: 1px solid var(--surface-3); transition: background var(--dur-fast); }
tbody tr:last-child { border-bottom: none; }
tbody tr:hover { background: var(--blue-50); }
tbody td { padding: 15px 20px; font-size: 14px; color: var(--text-secondary); }
tbody td:first-child { font-weight: 600; color: var(--text-primary); }
.td-badge {
  display: inline-flex;
  align-items: center;
  background: rgba(27,107,58,0.10);
  color: #1b6b3a;
  font-size: 11px;
  font-weight: 700;
  padding: 3px 10px;
  border-radius: var(--r-full);
}

/* ═══════════════════════ CALCULATOR ═══════════════════════ */
.calc-card {
  background: white;
  border-radius: var(--r-xl);
  border: 1px solid var(--border-light);
  padding: 44px;
  box-shadow: var(--shadow-md);
}
.calc-slider-wrap { margin-bottom: 8px; }
.calc-slider-label {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 12px;
}
.calc-slider-label label { font-size: 14px; font-weight: 600; color: var(--text-primary); }
.calc-slider-value {
  font-size: 15px;
  font-weight: 700;
  color: var(--blue-700);
  background: var(--blue-50);
  padding: 4px 12px;
  border-radius: var(--r-full);
}
input[type=range] {
  width: 100%;
  height: 6px;
  border-radius: 3px;
  accent-color: var(--blue-700);
  cursor: pointer;
}
.calc-result {
  background: linear-gradient(135deg, var(--blue-900) 0%, var(--blue-700) 100%);
  border-radius: var(--r-lg);
  padding: 32px;
  margin-top: 28px;
  position: relative;
  overflow: hidden;
}
.calc-result::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse at top right, rgba(197,160,89,0.15), transparent 60%);
}
.calc-result > * { position: relative; z-index: 1; }
.calc-result-main { text-align: center; margin-bottom: 20px; padding-bottom: 20px; border-bottom: 1px solid rgba(255,255,255,0.15); }
.calc-result-label-sm { font-size: 12px; color: rgba(255,255,255,0.60); text-transform: uppercase; letter-spacing: 0.08em; margin-bottom: 6px; }
.calc-result-amount { font-size: 44px; font-weight: 700; color: var(--gold-300); display: block; font-variant-numeric: tabular-nums; }
.calc-result-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.calc-result-item { background: rgba(255,255,255,0.08); border-radius: var(--r-md); padding: 14px 16px; }
.calc-result-item .clabel { font-size: 11px; color: rgba(255,255,255,0.55); margin-bottom: 4px; }
.calc-result-item .cvalue { font-size: 16px; font-weight: 700; color: white; }

/* ═══════════════════════ ACCORDION ═══════════════════════ */
.accordion { display: flex; flex-direction: column; gap: 10px; }
.accordion-item {
  border: 1.5px solid var(--border-light);
  border-radius: var(--r-lg);
  background: white;
  overflow: hidden;
  transition: border-color var(--dur-base), box-shadow var(--dur-base);
}
.accordion-item.open { border-color: var(--blue-100); box-shadow: var(--shadow-sm); }
.accordion-btn {
  width: 100%;
  background: none;
  border: none;
  padding: 20px 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  cursor: pointer;
  text-align: left;
  font-size: 15px;
  font-weight: 600;
  color: var(--text-primary);
  transition: background var(--dur-fast);
  gap: 16px;
}
.accordion-btn:hover { background: var(--blue-50); }
.accordion-item.open .accordion-btn { background: var(--blue-50); color: var(--blue-700); }
.accordion-chevron {
  flex-shrink: 0;
  color: var(--text-muted);
  transition: transform var(--dur-base) var(--ease-out);
}
.accordion-item.open .accordion-chevron { transform: rotate(180deg); color: var(--blue-700); }
.accordion-body {
  padding: 0 24px 20px;
  font-size: 14px;
  color: var(--text-secondary);
  line-height: 1.75;
  display: none;
}
.accordion-item.open .accordion-body { display: block; }

/* ═══════════════════════ TIMELINE ═══════════════════════ */
.timeline { padding-left: 28px; position: relative; }
.timeline::before {
  content: '';
  position: absolute;
  left: 6px; top: 12px; bottom: 12px;
  width: 2px;
  background: linear-gradient(to bottom, var(--blue-700), var(--gold-500));
  border-radius: 2px;
}
.timeline-item { position: relative; padding-bottom: 36px; }
.timeline-item:last-child { padding-bottom: 0; }
.timeline-dot {
  position: absolute;
  left: -25px; top: 4px;
  width: 14px; height: 14px;
  background: white;
  border: 3px solid var(--blue-700);
  border-radius: 50%;
  box-shadow: 0 0 0 3px rgba(0,51,102,0.10);
  transition: all var(--dur-base);
}
.timeline-item:hover .timeline-dot {
  background: var(--gold-500);
  border-color: var(--gold-500);
  transform: scale(1.3);
}
.timeline-year {
  font-size: 12px;
  font-weight: 700;
  color: var(--gold-600);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin-bottom: 4px;
}
.timeline-item h4 { margin-bottom: 6px; font-size: 17px; }
.timeline-item p { font-size: 14px; }

/* ═══════════════════════ PROGRESS STEPS ═══════════════════════ */
.steps-row {
  display: flex;
  align-items: flex-start;
  justify-content: center;
  gap: 0;
  margin-bottom: 48px;
  flex-wrap: wrap;
  row-gap: 16px;
}
.step-item {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 8px;
  position: relative;
  min-width: 80px;
}
.step-item:not(:last-child) { flex: 1; }
.step-item:not(:last-child)::after {
  content: '';
  position: absolute;
  top: 16px;
  left: calc(50% + 20px);
  right: 0;
  height: 2px;
  background: var(--border-light);
}
.step-item.done:not(:last-child)::after,
.step-item.active:not(:last-child)::after { background: var(--blue-700); }
.step-circle {
  width: 36px; height: 36px;
  border-radius: 50%;
  border: 2px solid var(--border);
  background: white;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 14px;
  font-weight: 700;
  color: var(--text-muted);
  position: relative;
  z-index: 1;
  transition: all var(--dur-base) var(--ease-out);
}
.step-item.active .step-circle { background: var(--blue-700); border-color: var(--blue-700); color: white; box-shadow: 0 0 0 4px rgba(0,51,102,0.15); }
.step-item.done .step-circle { background: var(--gold-500); border-color: var(--gold-500); color: white; }
.step-label { font-size: 12px; font-weight: 600; color: var(--text-muted); text-align: center; line-height: 1.3; }
.step-item.active .step-label { color: var(--blue-700); }
.step-item.done .step-label { color: var(--gold-600); }

/* ═══════════════════════ CHIPS ═══════════════════════ */
.chip {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  padding: 4px 12px;
  border-radius: var(--r-full);
  font-size: 12px;
  font-weight: 600;
}
.chip-blue { background: var(--blue-50); color: var(--blue-700); border: 1px solid var(--blue-100); }
.chip-gold { background: var(--gold-100); color: var(--gold-600); border: 1px solid rgba(197,160,89,0.25); }
.chip-green { background: rgba(27,107,58,0.08); color: #1b6b3a; border: 1px solid rgba(27,107,58,0.20); }
.chip-filter {
  padding: 7px 18px;
  font-size: 13px;
  cursor: pointer;
  transition: all var(--dur-fast);
  background: white;
  border: 1.5px solid var(--border);
  color: var(--text-secondary);
  border-radius: var(--r-full);
  font-weight: 500;
}
.chip-filter:hover, .chip-filter.active {
  background: var(--blue-700);
  color: white;
  border-color: var(--blue-700);
}

/* ═══════════════════════ WHATSAPP FAB ═══════════════════════ */
.whatsapp-fab {
  position: fixed;
  bottom: 28px; right: 28px;
  z-index: 200;
  width: 56px; height: 56px;
  background: #25d366;
  border-radius: var(--r-full);
  display: flex;
  align-items: center;
  justify-content: center;
  color: white;
  box-shadow: 0 6px 24px rgba(37,211,102,0.45);
  transition: all var(--dur-base) var(--ease-out);
  text-decoration: none;
}
.whatsapp-fab:hover { transform: scale(1.12) translateY(-4px); box-shadow: 0 12px 32px rgba(37,211,102,0.55); }
.whatsapp-fab::before {
  content: '';
  position: absolute;
  inset: 0;
  border-radius: 50%;
  background: #25d366;
  animation: fab-pulse 2.5s ease-in-out infinite;
}
@keyframes fab-pulse {
  0%   { transform: scale(1); opacity: 0.5; }
  70%  { transform: scale(1.5); opacity: 0; }
  100% { transform: scale(1.5); opacity: 0; }
}

/* ═══════════════════════ AOS OVERRIDES ═══════════════════════ */
[data-aos] { transition-timing-function: var(--ease-out) !important; }

/* ═══════════════════════ SCROLL PROGRESS ═══════════════════════ */
.scroll-progress {
  position: fixed;
  top: 0; left: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--blue-700), var(--gold-500));
  z-index: 9999;
  transition: width 0.1s linear;
  width: 0%;
}

/* ═══════════════════════ MISC ═══════════════════════ */
.divider { height: 1px; background: var(--border-light); }
.lps-banner {
  background: linear-gradient(135deg, var(--blue-900), var(--blue-700));
  border-radius: var(--r-xl);
  padding: 48px;
  color: white;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.lps-banner::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse at center top, rgba(197,160,89,0.12), transparent 60%);
}
.lps-banner > * { position: relative; z-index: 1; }
.lps-banner h2 { color: white; }
.lps-banner p { color: rgba(255,255,255,0.80); }
.lps-logo {
  width: 72px; height: 72px;
  background: linear-gradient(135deg, var(--gold-500), var(--gold-600));
  border-radius: var(--r-lg);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 24px;
  font-size: 20px;
  font-weight: 800;
  color: white;
  box-shadow: var(--shadow-gold);
}
.lps-items { display: grid; grid-template-columns: repeat(3,1fr); gap: 16px; margin-top: 32px; }
.lps-item {
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: var(--r-lg);
  padding: 20px;
  text-align: center;
}
.lps-item svg { color: var(--gold-400); margin: 0 auto 10px; display: block; }
.lps-item p { color: rgba(255,255,255,0.75); font-size: 13px; }

/* ═══════════════════════ RESPONSIVE ═══════════════════════ */
@media (max-width: 1024px) {
  :root { --section-y: 72px; }
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 40px; }
  .hero-inner { grid-template-columns: 1fr; gap: 48px; }
  .hero-visual { display: none; }
  .hero { min-height: auto; padding: 80px 0 72px; }
}
@media (max-width: 768px) {
  :root { --section-y: 56px; --gutter: 20px; }
  .grid-3 { grid-template-columns: 1fr; }
  .grid-2 { grid-template-columns: 1fr; }
  .navbar-nav { display: none; }
  .navbar-nav.open {
    display: flex;
    flex-direction: column;
    position: fixed;
    top: 72px; left: 0; right: 0;
    background: rgba(255,255,255,0.97);
    backdrop-filter: blur(20px);
    padding: 16px 20px 24px;
    box-shadow: 0 20px 40px rgba(0,30,64,0.15);
    border-bottom: 1px solid var(--border-light);
    gap: 4px;
  }
  .navbar-nav.open a { padding: 12px 16px; border-radius: var(--r-md); }
  .menu-toggle { display: flex; }
  .footer-grid { grid-template-columns: 1fr; }
  .section-title h2 { font-size: clamp(22px, 6vw, 36px); }
  .hero-trust { flex-wrap: wrap; gap: 16px; }
  .hero-actions { flex-direction: column; align-items: flex-start; }
  .hero-actions .btn { width: 100%; justify-content: center; }
  .calc-card { padding: 28px 20px; }
  .calc-result-grid { grid-template-columns: 1fr; }
  .lps-items { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; align-items: flex-start; }
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .cta-actions { flex-direction: column; align-items: center; }
  .cta-actions .btn { width: 100%; max-width: 320px; justify-content: center; }
}
@media (max-width: 480px) {
  .grid-4 { grid-template-columns: 1fr; }
  .trust-bar-inner { gap: 20px; }
  .steps-row { gap: 8px; }
}

/* ═══════════════════════ REDUCED MOTION ═══════════════════════ */
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation-duration: 0.01ms !important; transition-duration: 0.01ms !important; }
  .hero-blob, .card-float, .whatsapp-fab::before { animation: none !important; }
}