/* ==========================================================================
   eMicrofin - Modern Enterprise Microfinance Corporate Website Stylesheet
   Ultra-Premium FinTech Aesthetic, High-Performance Mobile Responsive Architecture
   ========================================================================== */

:root {
    --primary: #2563eb;
    --primary-glow: rgba(37, 99, 235, 0.35);
    --primary-hover: #1d4ed8;
    --primary-light: rgba(37, 99, 235, 0.08);
    --secondary: #0284c7;
    --accent: #10b981;
    --accent-glow: rgba(16, 185, 129, 0.35);
    --accent-hover: #059669;
    --accent-light: rgba(16, 185, 129, 0.1);
    --warning: #f59e0b;
    --danger: #ef4444;
    --dark-navy: #090f1f;
    --dark-surface: #101935;
    --dark-card: #152244;
    --dark-border: #1e293b;
    --bg-light: #f8fafc;
    --bg-surface: #ffffff;
    --text-dark: #0f172a;
    --text-muted: #64748b;
    --text-light: #94a3b8;
    --border-light: #e2e8f0;
    --border-subtle: #f1f5f9;
    --shadow-sm: 0 1px 3px rgba(0,0,0,0.04);
    --shadow-md: 0 4px 14px rgba(0,0,0,0.06);
    --shadow-lg: 0 12px 30px -6px rgba(15, 23, 42, 0.08);
    --shadow-xl: 0 24px 48px -12px rgba(15, 23, 42, 0.14);
    --shadow-glow: 0 0 25px rgba(37, 99, 235, 0.2);
    --radius-sm: 6px;
    --radius-md: 12px;
    --radius-lg: 18px;
    --radius-xl: 26px;
    --radius-full: 9999px;
    --transition: all 0.25s cubic-bezier(0.16, 1, 0.3, 1);
}

* {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
}

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

body {
    font-family: 'Plus Jakarta Sans', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
    color: var(--text-dark);
    background-color: var(--bg-light);
    line-height: 1.6;
    overflow-x: hidden;
    -webkit-font-smoothing: antialiased;
    text-rendering: optimizeLegibility;
}

body.mobile-drawer-open {
    overflow: hidden;
}

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

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

/* Full-Size Expansive Container */
.container {
    width: 100%;
    max-width: 1420px;
    margin: 0 auto;
    padding: 0 1.75rem;
}

/* ==========================================================================
   1. Top Notification Bar
   ========================================================================== */
.top-bar {
    background: #090f1f;
    color: #94a3b8;
    font-size: 0.76rem;
    padding: 0.45rem 0;
    border-bottom: 1px solid #1e293b;
    position: relative;
    z-index: 1001;
}

.top-bar-inner {
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 1rem;
}

.top-bar-left {
    display: flex;
    align-items: center;
    gap: 1.25rem;
    white-space: nowrap;
    overflow: hidden;
    text-overflow: ellipsis;
}

.top-bar-right {
    display: flex;
    align-items: center;
    gap: 1rem;
    white-space: nowrap;
    flex-shrink: 0;
}

.top-bar-item {
    display: inline-flex;
    align-items: center;
    gap: 0.35rem;
}

.top-bar-link {
    color: #ffffff;
}

.top-bar-link:hover {
    color: #38bdf8;
}

.top-badge-mra {
    background: rgba(16, 185, 129, 0.15);
    color: #34d399;
    border: 1px solid rgba(16, 185, 129, 0.35);
    padding: 2px 8px;
    border-radius: var(--radius-full);
    font-size: 0.70rem;
    font-weight: 700;
    letter-spacing: 0.3px;
    display: inline-flex;
    align-items: center;
    gap: 0.35rem;
}

/* ==========================================================================
   2. Main Sticky Navigation
   ========================================================================== */
.main-nav-wrapper {
    position: sticky;
    top: 0;
    left: 0;
    right: 0;
    z-index: 1000;
    background: rgba(255, 255, 255, 0.98);
    backdrop-filter: blur(16px);
    -webkit-backdrop-filter: blur(16px);
    border-bottom: 1px solid var(--border-light);
    transition: var(--transition);
}

.main-nav {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 0.85rem 0;
    gap: 1rem;
}

.brand-logo-wrap {
    display: flex;
    align-items: center;
    gap: 0.85rem;
    flex-shrink: 0;
}

.brand-logo-img {
    height: 42px;
    width: auto;
    object-fit: contain;
}

.brand-title {
    font-size: 1.20rem;
    font-weight: 900;
    letter-spacing: -0.5px;
    color: var(--dark-navy);
    line-height: 1.1;
    white-space: nowrap;
}

.brand-subtitle {
    font-size: 0.68rem;
    color: var(--text-muted);
    font-weight: 600;
    letter-spacing: 0.2px;
    white-space: nowrap;
}

.nav-links {
    display: flex;
    align-items: center;
    gap: 1.35rem;
    list-style: none;
}

.nav-link {
    font-size: 0.86rem;
    font-weight: 700;
    color: var(--text-dark);
    padding: 0.35rem 0;
    position: relative;
    white-space: nowrap;
}

.nav-link::after {
    content: '';
    position: absolute;
    bottom: -2px;
    left: 0;
    width: 0%;
    height: 2px;
    background: var(--primary);
    transition: var(--transition);
}

.nav-link:hover {
    color: var(--primary);
}

.nav-link:hover::after {
    width: 100%;
}

.nav-actions {
    display: flex;
    align-items: center;
    gap: 0.45rem;
    flex-shrink: 0;
}

/* Compact & Premium Header Buttons */
.btn-nav {
    height: 34px;
    padding: 0 11px;
    font-size: 0.78rem;
    font-weight: 700;
    letter-spacing: 0.15px;
    border-radius: 6px;
    display: inline-flex;
    align-items: center;
    gap: 5px;
    white-space: nowrap;
    cursor: pointer;
    transition: var(--transition);
    line-height: 1;
}

.btn-nav-member {
    background: rgba(37, 99, 235, 0.06);
    border: 1px solid rgba(37, 99, 235, 0.2);
    color: #1e40af;
}

.btn-nav-member:hover {
    background: #2563eb;
    border-color: #2563eb;
    color: #ffffff;
    transform: translateY(-1px);
    box-shadow: 0 3px 10px rgba(37, 99, 235, 0.25);
}

.btn-nav-staff {
    background: #0f172a;
    border: 1px solid #1e293b;
    color: #f8fafc;
}

.btn-nav-staff:hover {
    background: #1e293b;
    border-color: #334155;
    transform: translateY(-1px);
    box-shadow: 0 3px 10px rgba(15, 23, 42, 0.2);
}

.btn-nav-apply {
    background: linear-gradient(135deg, #10b981 0%, #059669 100%);
    border: 1px solid rgba(5, 150, 105, 0.3);
    color: #ffffff;
    box-shadow: 0 2px 8px rgba(16, 185, 129, 0.25);
}

.btn-nav-apply:hover {
    background: linear-gradient(135deg, #059669 0%, #047857 100%);
    box-shadow: 0 4px 14px rgba(16, 185, 129, 0.38);
    transform: translateY(-1px);
}

/* Animated Hamburger Toggle Button */
.mobile-menu-toggle {
    display: none;
    background: #f1f5f9;
    border: 1px solid var(--border-light);
    border-radius: var(--radius-sm);
    width: 38px;
    height: 38px;
    padding: 8px 7px;
    cursor: pointer;
    flex-direction: column;
    justify-content: space-around;
    align-items: center;
    transition: var(--transition);
}

.mobile-menu-toggle:hover {
    background: #e2e8f0;
}

.hamburger-bar {
    width: 100%;
    height: 2.5px;
    background: var(--dark-navy);
    border-radius: 2px;
    transition: all 0.25s ease-in-out;
}

.mobile-menu-toggle.active .hamburger-bar:nth-child(1) {
    transform: translateY(6.5px) rotate(45deg);
}

.mobile-menu-toggle.active .hamburger-bar:nth-child(2) {
    opacity: 0;
}

.mobile-menu-toggle.active .hamburger-bar:nth-child(3) {
    transform: translateY(-6.5px) rotate(-45deg);
}

/* ==========================================================================
   Mobile Navigation Drawer & Backdrop
   ========================================================================== */
.mobile-nav-backdrop {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: rgba(9, 15, 31, 0.70);
    backdrop-filter: blur(6px);
    -webkit-backdrop-filter: blur(6px);
    z-index: 2050;
    opacity: 0;
    visibility: hidden;
    transition: all 0.3s ease;
}

.mobile-nav-backdrop.active {
    opacity: 1;
    visibility: visible;
}

.mobile-nav-drawer {
    position: fixed;
    top: 0;
    right: -360px;
    width: 320px;
    max-width: 86vw;
    height: 100vh;
    height: 100dvh;
    background: #ffffff;
    z-index: 2100;
    box-shadow: -10px 0 35px rgba(0, 0, 0, 0.25);
    transition: right 0.32s cubic-bezier(0.16, 1, 0.3, 1);
    display: flex;
    flex-direction: column;
    overflow-y: auto;
    -webkit-overflow-scrolling: touch;
}

.mobile-nav-drawer.active {
    right: 0;
}

.mobile-nav-drawer-inner {
    display: flex;
    flex-direction: column;
    height: 100%;
    padding: 1.25rem 1.25rem 1.75rem;
}

.mobile-drawer-header {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding-bottom: 1rem;
    border-bottom: 1px solid var(--border-light);
    margin-bottom: 1.25rem;
}

.mobile-drawer-brand {
    display: flex;
    align-items: center;
    gap: 0.65rem;
}

.mobile-drawer-logo {
    height: 36px;
    width: auto;
    object-fit: contain;
}

.mobile-drawer-title {
    font-size: 0.98rem;
    font-weight: 900;
    color: var(--dark-navy);
    line-height: 1.15;
}

.mobile-drawer-sub {
    font-size: 0.65rem;
    color: var(--text-muted);
}

.mobile-drawer-close {
    background: #f1f5f9;
    border: 1px solid var(--border-light);
    width: 32px;
    height: 32px;
    border-radius: 50%;
    font-size: 1.25rem;
    color: var(--text-dark);
    display: flex;
    align-items: center;
    justify-content: center;
    cursor: pointer;
    line-height: 1;
}

.mobile-nav-links {
    list-style: none;
    display: flex;
    flex-direction: column;
    gap: 0.35rem;
    margin-bottom: 1.5rem;
}

.mobile-nav-link {
    display: flex;
    align-items: center;
    gap: 0.65rem;
    padding: 0.65rem 0.85rem;
    border-radius: var(--radius-sm);
    font-size: 0.92rem;
    font-weight: 700;
    color: var(--text-dark);
    transition: var(--transition);
}

.mobile-nav-link:hover, .mobile-nav-link:active {
    background: var(--primary-light);
    color: var(--primary);
}

.mobile-drawer-actions {
    display: flex;
    flex-direction: column;
    gap: 0.65rem;
    margin-top: auto;
    margin-bottom: 1.25rem;
}

.mobile-drawer-footer {
    padding-top: 1rem;
    border-top: 1px solid var(--border-light);
    font-size: 0.74rem;
    color: var(--text-muted);
    display: flex;
    flex-direction: column;
    gap: 0.35rem;
}

.mobile-drawer-contact-item a {
    color: var(--primary);
}

/* ==========================================================================
   Button System
   ========================================================================== */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 0.45rem;
    padding: 0.55rem 1.15rem;
    font-size: 0.84rem;
    font-weight: 700;
    border-radius: var(--radius-sm);
    cursor: pointer;
    border: none;
    transition: var(--transition);
    white-space: nowrap;
    font-family: inherit;
    touch-action: manipulation;
}

.btn-block {
    width: 100%;
    display: flex;
}

.btn-primary {
    background: var(--primary);
    color: #ffffff;
    box-shadow: 0 4px 14px var(--primary-glow);
}

.btn-primary:hover {
    background: var(--primary-hover);
    transform: translateY(-2px);
    box-shadow: 0 6px 20px var(--primary-glow);
}

.btn-accent {
    background: var(--accent);
    color: #ffffff;
    box-shadow: 0 4px 14px var(--accent-glow);
}

.btn-accent:hover {
    background: var(--accent-hover);
    transform: translateY(-2px);
}

.btn-outline {
    background: transparent;
    color: var(--dark-navy);
    border: 1px solid var(--border-light);
}

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

.btn-dark {
    background: #090f1f;
    color: #ffffff;
}

.btn-dark:hover {
    background: #1e293b;
    transform: translateY(-2px);
}

.btn-lg {
    padding: 0.8rem 1.75rem;
    font-size: 0.95rem;
    border-radius: var(--radius-md);
}

.btn-sm {
    padding: 0.38rem 0.85rem;
    font-size: 0.76rem;
}

/* ==========================================================================
   3. Hero Section
   ========================================================================== */
.hero-section {
    position: relative;
    padding: 5rem 0 4.5rem;
    background: radial-gradient(circle at 80% 20%, rgba(37, 99, 235, 0.08) 0%, rgba(255,255,255,0) 60%),
                radial-gradient(circle at 10% 80%, rgba(16, 185, 129, 0.06) 0%, rgba(255,255,255,0) 50%),
                linear-gradient(180deg, #f8fafc 0%, #ffffff 100%);
    overflow: hidden;
    border-bottom: 1px solid var(--border-light);
}

.hero-grid {
    display: grid;
    grid-template-columns: 1.15fr 0.85fr;
    gap: 3.5rem;
    align-items: center;
    position: relative;
    z-index: 1;
}

.hero-badge-pill {
    display: inline-flex;
    align-items: center;
    gap: 0.55rem;
    background: #ffffff;
    border: 1px solid rgba(37, 99, 235, 0.25);
    padding: 0.40rem 1.1rem;
    border-radius: var(--radius-full);
    font-size: 0.80rem;
    font-weight: 800;
    color: var(--primary);
    margin-bottom: 1.5rem;
    box-shadow: var(--shadow-sm);
    line-height: 1.3;
}

.hero-badge-pill .pulse-dot {
    width: 9px;
    height: 9px;
    background: var(--accent);
    border-radius: 50%;
    box-shadow: 0 0 0 4px rgba(16, 185, 129, 0.25);
    animation: livePulse 2s infinite;
    flex-shrink: 0;
}

@keyframes livePulse {
    0%, 100% { transform: scale(1); opacity: 1; }
    50% { transform: scale(1.25); opacity: 0.75; }
}

.hero-title {
    font-size: 3.2rem;
    font-weight: 900;
    line-height: 1.12;
    letter-spacing: -1.2px;
    color: #090f1f;
    margin-bottom: 1.5rem;
}

.hero-title span.text-gradient {
    background: linear-gradient(135deg, var(--primary) 0%, #0284c7 50%, var(--accent) 100%);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
}

.hero-lead {
    font-size: 1.12rem;
    color: var(--text-muted);
    margin-bottom: 2.25rem;
    max-width: 600px;
    line-height: 1.65;
}

.hero-ctas {
    display: flex;
    align-items: center;
    gap: 1.15rem;
    flex-wrap: wrap;
    margin-bottom: 3rem;
}

.hero-stats-row {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 1.75rem;
    padding-top: 1.75rem;
    border-top: 1px solid var(--border-light);
}

.hero-stat-val {
    font-size: 1.75rem;
    font-weight: 900;
    color: #090f1f;
    font-family: 'JetBrains Mono', 'Plus Jakarta Sans', monospace;
    line-height: 1.1;
}

.hero-stat-lbl {
    font-size: 0.78rem;
    font-weight: 700;
    color: var(--text-muted);
    margin-top: 0.25rem;
}

/* Hero Right: Digital Banking Card */
.hero-bank-card-wrap {
    position: relative;
}

.hero-bank-card {
    background: #090f1f !important;
    color: #ffffff !important;
    border-radius: var(--radius-xl);
    padding: 2.25rem;
    box-shadow: 0 25px 60px -15px rgba(9, 15, 31, 0.45);
    border: 1px solid rgba(255, 255, 255, 0.15) !important;
    position: relative;
    overflow: hidden;
}

.hero-bank-card::before {
    content: '';
    position: absolute;
    top: -50px;
    right: -50px;
    width: 200px;
    height: 200px;
    border-radius: 50%;
    background: radial-gradient(circle, rgba(37, 99, 235, 0.35) 0%, rgba(255,255,255,0) 70%);
}

.hero-bank-card-top {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 1.5rem;
    position: relative;
    z-index: 1;
}

.hero-bank-label {
    font-size: 0.75rem;
    color: #94a3b8;
    text-transform: uppercase;
    letter-spacing: 0.8px;
}

.hero-bank-holder-name {
    font-size: 1.15rem;
    font-weight: 800;
    color: #ffffff;
}

.hero-bank-chip {
    font-size: 0.72rem;
    font-weight: 800;
    text-transform: uppercase;
    letter-spacing: 1px;
    color: #38bdf8;
    background: rgba(56, 189, 248, 0.18);
    padding: 3px 10px;
    border-radius: var(--radius-full);
}

.hero-bank-balance-lbl {
    font-size: 0.75rem;
    color: #94a3b8;
    margin-bottom: 0.2rem;
    position: relative;
    z-index: 1;
}

.hero-bank-balance-val {
    font-size: 2.2rem;
    font-weight: 900;
    color: #ffffff;
    font-family: 'JetBrains Mono', monospace;
    line-height: 1.1;
    margin-bottom: 1.5rem;
    position: relative;
    z-index: 1;
}

.hero-loan-progress-box {
    background: rgba(255, 255, 255, 0.08);
    border: 1px solid rgba(255, 255, 255, 0.12);
    border-radius: var(--radius-md);
    padding: 1rem 1.25rem;
    margin-bottom: 1.5rem;
    position: relative;
    z-index: 1;
}

.hero-loan-progress-header {
    display: flex;
    justify-content: space-between;
    font-size: 0.78rem;
    font-weight: 700;
    margin-bottom: 0.5rem;
    color: #cbd5e1;
}

.hero-loan-progress-header strong {
    color: #34d399;
}

.hero-progress-bar-bg {
    width: 100%;
    height: 8px;
    background: rgba(255, 255, 255, 0.15);
    border-radius: 4px;
    overflow: hidden;
}

.hero-progress-bar-fill {
    width: 70%;
    height: 100%;
    background: linear-gradient(90deg, #38bdf8, #34d399);
    border-radius: 4px;
}

.hero-loan-sub-text {
    display: flex;
    justify-content: space-between;
    font-size: 0.75rem;
    color: #94a3b8;
    margin-top: 6px;
}

.hero-bank-actions-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 0.75rem;
    position: relative;
    z-index: 1;
}

.hero-bank-btn-member {
    color: #ffffff !important;
    border-color: rgba(255, 255, 255, 0.25) !important;
    background: rgba(255, 255, 255, 0.08) !important;
    font-weight: 700;
}

.hero-bank-btn-member:hover {
    background: rgba(255, 255, 255, 0.18) !important;
    border-color: #ffffff !important;
}

/* Floating Badges */
.floating-badge {
    position: absolute;
    background: #ffffff;
    border: 1px solid var(--border-light);
    border-radius: var(--radius-md);
    padding: 0.65rem 1rem;
    box-shadow: 0 10px 25px rgba(0,0,0,0.1);
    display: flex;
    align-items: center;
    gap: 0.5rem;
    font-size: 0.78rem;
    font-weight: 800;
    color: #090f1f;
    z-index: 10;
}

.floating-badge.badge-top-left {
    top: -18px;
    left: -20px;
    animation: floatAnim 4s ease-in-out infinite;
}

.floating-badge.badge-bottom-right {
    bottom: -20px;
    right: -20px;
    animation: floatAnim 4s ease-in-out infinite 2s;
}

@keyframes floatAnim {
    0%, 100% { transform: translateY(0); }
    50% { transform: translateY(-8px); }
}

/* ==========================================================================
   4. Section Standards
   ========================================================================= */
.section {
    padding: 5rem 0;
    position: relative;
}

.section-header {
    text-align: center;
    max-width: 750px;
    margin: 0 auto 3.5rem;
}

.section-tag {
    display: inline-block;
    font-size: 0.76rem;
    font-weight: 800;
    text-transform: uppercase;
    letter-spacing: 1.2px;
    color: var(--primary);
    background: var(--primary-light);
    padding: 4px 14px;
    border-radius: var(--radius-full);
    margin-bottom: 0.85rem;
}

.section-title {
    font-size: 2.35rem;
    font-weight: 900;
    color: #090f1f;
    letter-spacing: -0.7px;
    line-height: 1.2;
    margin-bottom: 0.95rem;
}

.section-subtitle {
    font-size: 1.05rem;
    color: var(--text-muted);
    line-height: 1.6;
}

/* ==========================================================================
   5. Products Grid
   ========================================================================== */
.products-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(340px, 1fr));
    gap: 1.75rem;
}

.product-card {
    background: #ffffff;
    border: 1px solid var(--border-light);
    border-radius: var(--radius-xl);
    padding: 2.25rem;
    transition: var(--transition);
    position: relative;
    overflow: hidden;
    display: flex;
    flex-direction: column;
    box-shadow: var(--shadow-sm);
}

.product-card:hover {
    transform: translateY(-6px);
    box-shadow: var(--shadow-xl);
    border-color: rgba(37, 99, 235, 0.35);
}

.product-card-icon-wrap {
    width: 56px;
    height: 56px;
    border-radius: var(--radius-md);
    background: var(--primary-light);
    color: var(--primary);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.65rem;
    margin-bottom: 1.35rem;
}

.product-card.accent .product-card-icon-wrap {
    background: var(--accent-light);
    color: var(--accent);
}

.product-card-title {
    font-size: 1.30rem;
    font-weight: 900;
    color: #090f1f;
    margin-bottom: 0.6rem;
    letter-spacing: -0.3px;
}

.product-card-desc {
    font-size: 0.90rem;
    color: var(--text-muted);
    margin-bottom: 1.5rem;
    line-height: 1.55;
}

.product-card-rate-pill {
    display: inline-flex;
    align-items: center;
    gap: 0.35rem;
    font-size: 0.78rem;
    font-weight: 800;
    color: var(--primary);
    background: var(--primary-light);
    padding: 3px 10px;
    border-radius: var(--radius-full);
    margin-bottom: 1.25rem;
    align-self: flex-start;
}

.product-card.accent .product-card-rate-pill {
    color: var(--accent);
    background: var(--accent-light);
}

.product-features-list {
    list-style: none;
    margin-bottom: 1.75rem;
    margin-top: auto;
    font-size: 0.86rem;
}

.product-feature-item {
    display: flex;
    align-items: center;
    gap: 0.55rem;
    color: var(--text-dark);
    margin-bottom: 0.55rem;
    font-weight: 600;
}

/* ==========================================================================
   6. Interactive Loan EMI Calculator
   ========================================================================== */
.calc-section {
    background: linear-gradient(180deg, #ffffff 0%, #f1f5f9 100%);
    border-top: 1px solid var(--border-light);
    border-bottom: 1px solid var(--border-light);
}

.calc-card {
    background: #ffffff;
    border: 1px solid var(--border-light);
    border-radius: var(--radius-xl);
    padding: 2.75rem;
    box-shadow: var(--shadow-xl);
    display: grid;
    grid-template-columns: 1.2fr 0.8fr;
    gap: 3rem;
}

.slider-group {
    margin-bottom: 1.85rem;
}

.slider-header {
    display: flex;
    justify-content: space-between;
    align-items: baseline;
    margin-bottom: 0.65rem;
}

.slider-label {
    font-size: 0.90rem;
    font-weight: 800;
    color: var(--text-dark);
}

.slider-val-badge {
    font-size: 1.35rem;
    font-weight: 900;
    color: var(--primary);
    font-family: 'JetBrains Mono', monospace;
}

.range-slider {
    width: 100%;
    height: 10px;
    border-radius: 5px;
    background: #e2e8f0;
    outline: none;
    accent-color: var(--primary);
    cursor: pointer;
    touch-action: pan-y;
}

.range-slider::-webkit-slider-thumb {
    width: 24px;
    height: 24px;
    border-radius: 50%;
    background: var(--primary);
    box-shadow: 0 2px 8px var(--primary-glow);
    cursor: pointer;
}

.range-slider::-moz-range-thumb {
    width: 24px;
    height: 24px;
    border-radius: 50%;
    background: var(--primary);
    box-shadow: 0 2px 8px var(--primary-glow);
    cursor: pointer;
}

.tenure-chips-row {
    display: flex;
    gap: 0.5rem;
    margin-top: 0.65rem;
    flex-wrap: wrap;
}

.tenure-chip-btn {
    border: 1px solid var(--border-light);
    background: var(--bg-light);
    padding: 0.40rem 0.80rem;
    border-radius: var(--radius-full);
    font-size: 0.76rem;
    font-weight: 700;
    color: var(--text-muted);
    cursor: pointer;
    transition: var(--transition);
    touch-action: manipulation;
}

.tenure-chip-btn.active, .tenure-chip-btn:hover {
    border-color: var(--primary);
    background: var(--primary-light);
    color: var(--primary);
}

.calc-options-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 0.85rem;
    margin-bottom: 1.75rem;
}

.calc-option-btn {
    border: 1px solid var(--border-light);
    background: var(--bg-light);
    padding: 0.75rem 0.85rem;
    border-radius: var(--radius-sm);
    font-size: 0.84rem;
    font-weight: 800;
    text-align: center;
    cursor: pointer;
    transition: var(--transition);
    color: var(--text-muted);
    touch-action: manipulation;
}

.calc-option-btn.active {
    border-color: var(--primary);
    background: var(--primary-light);
    color: var(--primary);
}

/* Result Box */
.calc-result-box {
    background: #090f1f !important;
    color: #ffffff !important;
    border-radius: var(--radius-lg);
    padding: 2.25rem;
    display: flex;
    flex-direction: column;
    justify-content: space-between;
    box-shadow: var(--shadow-lg);
    border: 1px solid rgba(255, 255, 255, 0.12) !important;
    position: relative;
    overflow: hidden;
}

.calc-result-title {
    font-size: 0.82rem;
    font-weight: 800;
    text-transform: uppercase;
    letter-spacing: 1px;
    color: #94a3b8;
    margin-bottom: 0.4rem;
}

.calc-repay-amount {
    font-size: 2.75rem;
    font-weight: 900;
    color: #ffffff;
    font-family: 'JetBrains Mono', monospace;
    line-height: 1.1;
    margin-bottom: 1.5rem;
    word-break: break-word;
}

.calc-breakdown-row {
    display: flex;
    justify-content: space-between;
    align-items: center;
    font-size: 0.88rem;
    padding: 0.6rem 0;
    border-bottom: 1px solid #1e293b;
    color: #94a3b8;
}

.calc-breakdown-row strong {
    color: #ffffff;
    font-family: 'JetBrains Mono', monospace;
    font-size: 0.95rem;
}

/* ==========================================================================
   7. Full-Width Impact Banner
   ========================================================================== */
.impact-banner-section {
    background: #090f1f !important;
    color: #ffffff !important;
    padding: 4.5rem 0;
    border-top: 1px solid #1e293b;
    border-bottom: 1px solid #1e293b;
    position: relative;
    overflow: hidden;
}

.impact-banner-grid {
    display: grid;
    grid-template-columns: repeat(5, 1fr);
    gap: 1.5rem;
    text-align: center;
}

.impact-stat-card {
    padding: 0.5rem;
}

.impact-stat-number {
    font-size: 2.35rem;
    font-weight: 900;
    font-family: 'JetBrains Mono', monospace;
    color: #38bdf8;
    line-height: 1.1;
    margin-bottom: 0.4rem;
}

.impact-stat-label {
    font-size: 0.85rem;
    font-weight: 700;
    color: #94a3b8;
}

/* ==========================================================================
   8. Branch Network & Directory
   ========================================================================== */
.branches-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: 1.5rem;
}

.branch-card {
    background: #ffffff;
    border: 1px solid var(--border-light);
    border-radius: var(--radius-lg);
    padding: 1.75rem;
    box-shadow: var(--shadow-sm);
    transition: var(--transition);
}

.branch-card:hover {
    border-color: var(--primary);
    box-shadow: var(--shadow-lg);
    transform: translateY(-3px);
}

.branch-card-header {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 0.75rem;
}

.branch-name {
    font-size: 1.1rem;
    font-weight: 900;
    color: var(--dark-navy);
}

.branch-code-badge {
    font-size: 0.72rem;
    font-weight: 800;
    background: var(--bg-light);
    border: 1px solid var(--border-light);
    padding: 3px 8px;
    border-radius: var(--radius-sm);
    color: var(--text-muted);
}

.branch-address {
    font-size: 0.85rem;
    color: var(--text-muted);
    line-height: 1.5;
}

/* ==========================================================================
   9. FAQ Section Accordion Cards
   ========================================================================== */
.faq-grid {
    max-width: 880px;
    margin: 0 auto;
    display: flex;
    flex-direction: column;
    gap: 0.85rem;
}

.faq-item {
    background: #ffffff;
    border: 1px solid var(--border-light);
    border-radius: var(--radius-md);
    overflow: hidden;
    box-shadow: var(--shadow-sm);
    transition: var(--transition);
}

.faq-item:hover {
    border-color: var(--primary);
}

.faq-question {
    padding: 1.25rem 1.5rem;
    font-size: 0.98rem;
    font-weight: 800;
    color: var(--dark-navy);
    cursor: pointer;
    display: flex;
    justify-content: space-between;
    align-items: center;
    user-select: none;
}

.faq-question:hover {
    color: var(--primary);
}

.faq-answer {
    padding: 0 1.5rem 1.25rem;
    font-size: 0.88rem;
    color: var(--text-muted);
    line-height: 1.65;
    display: none;
    border-top: 1px solid var(--border-subtle);
    padding-top: 0.85rem;
}

.faq-item.active .faq-answer {
    display: block;
}

.faq-icon {
    font-size: 1.25rem;
    font-weight: 800;
    color: var(--primary);
    transition: transform 0.2s ease;
}

.faq-item.active .faq-icon {
    transform: rotate(45deg);
    color: var(--accent);
}

/* ==========================================================================
   10. Multi-Role Login & Application Modals
   ========================================================================== */
.modal-overlay {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: rgba(9, 15, 31, 0.78);
    backdrop-filter: blur(10px);
    -webkit-backdrop-filter: blur(10px);
    z-index: 2000;
    display: none;
    align-items: center;
    justify-content: center;
    padding: 1.25rem;
    animation: fadeIn 0.2s ease-out;
}

.modal-overlay.active {
    display: flex;
}

@keyframes fadeIn {
    from { opacity: 0; transform: scale(0.97); }
    to { opacity: 1; transform: scale(1); }
}

.login-modal-card {
    background: #ffffff;
    border: 1px solid var(--border-light);
    border-radius: var(--radius-xl);
    width: 100%;
    max-width: 460px;
    box-shadow: 0 30px 60px -15px rgba(0, 0, 0, 0.3);
    overflow: hidden;
    position: relative;
    max-height: 92vh;
    overflow-y: auto;
    -webkit-overflow-scrolling: touch;
}

.apply-modal-card {
    max-width: 560px;
}

.modal-close-btn {
    position: absolute;
    top: 0.85rem;
    right: 0.85rem;
    background: none;
    border: none;
    font-size: 1.4rem;
    color: var(--text-light);
    cursor: pointer;
    z-index: 10;
    width: 36px;
    height: 36px;
    display: flex;
    align-items: center;
    justify-content: center;
    border-radius: 50%;
    transition: var(--transition);
}

.modal-close-btn:hover {
    background: rgba(255, 255, 255, 0.2);
    color: #ffffff;
}

.modal-header-banner {
    background: linear-gradient(135deg, var(--dark-navy) 0%, #1e293b 100%);
    color: #ffffff;
    padding: 2rem 2rem 1.35rem;
    text-align: center;
}

.modal-header-apply {
    background: linear-gradient(135deg, #1e3a8a 0%, #065f46 100%);
}

.modal-logo {
    height: 44px;
    margin: 0 auto 0.75rem;
}

.modal-title {
    font-size: 1.2rem;
    font-weight: 900;
    margin-bottom: 0.25rem;
}

.modal-subtitle {
    font-size: 0.78rem;
    color: var(--text-light);
}

.modal-body {
    padding: 1.75rem 2rem;
}

.form-group {
    margin-bottom: 1.25rem;
}

.modal-form-row-2col {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 0.85rem;
}

.form-label {
    display: block;
    font-size: 0.78rem;
    font-weight: 800;
    color: var(--text-dark);
    margin-bottom: 0.4rem;
}

.form-control {
    width: 100%;
    height: 42px;
    padding: 0.6rem 0.95rem;
    border: 1px solid var(--border-light);
    border-radius: var(--radius-sm);
    font-size: 0.88rem;
    font-family: inherit;
    color: var(--text-dark);
    background: #ffffff;
    outline: none;
    transition: var(--transition);
}

.form-control:focus {
    border-color: var(--primary);
    box-shadow: 0 0 0 3px rgba(37, 99, 235, 0.18);
}

.login-alert {
    padding: 0.65rem 0.95rem;
    border-radius: var(--radius-sm);
    font-size: 0.80rem;
    margin-bottom: 1rem;
    display: none;
}

.login-alert.danger {
    background: rgba(239, 68, 68, 0.1);
    color: #b91c1c;
    border: 1px solid rgba(239, 68, 68, 0.2);
    display: block;
}

.login-alert.success {
    background: rgba(16, 185, 129, 0.1);
    color: #047857;
    border: 1px solid rgba(16, 185, 129, 0.2);
    display: block;
}

/* ==========================================================================
   11. Corporate Footer
   ========================================================================== */
.footer {
    background: #090f1f;
    color: #94a3b8;
    padding: 4.5rem 0 2rem;
    border-top: 1px solid #1e293b;
    font-size: 0.86rem;
}

.footer-grid {
    display: grid;
    grid-template-columns: 1.6fr 1fr 1fr 1.3fr;
    gap: 3rem;
    margin-bottom: 3.5rem;
}

.footer-brand-wrap {
    display: flex;
    align-items: center;
    gap: 0.65rem;
    margin-bottom: 1.15rem;
}

.footer-logo {
    height: 38px;
    width: auto;
}

.footer-brand-name {
    font-size: 1.15rem;
    font-weight: 900;
    color: #ffffff;
}

.footer-tagline-text {
    font-size: 0.84rem;
    line-height: 1.65;
    color: #94a3b8;
    margin-bottom: 1.35rem;
}

.footer-lic-badge {
    font-size: 0.78rem;
    color: #34d399;
    font-weight: 800;
}

.footer-col-title {
    font-size: 1rem;
    font-weight: 900;
    color: #ffffff;
    margin-bottom: 1.25rem;
    letter-spacing: -0.2px;
}

.footer-links {
    list-style: none;
}

.footer-links li {
    margin-bottom: 0.65rem;
}

.footer-links a:hover {
    color: #ffffff;
}

.footer-contact-details {
    font-size: 0.84rem;
    color: #94a3b8;
    line-height: 1.65;
}

.footer-contact-row {
    margin-bottom: 0.6rem;
}

.footer-contact-row a {
    color: #ffffff;
}

.footer-bottom {
    padding-top: 2rem;
    border-top: 1px solid #1e293b;
    display: flex;
    justify-content: space-between;
    align-items: center;
    flex-wrap: wrap;
    gap: 1rem;
    font-size: 0.78rem;
}

.footer-legal-links {
    display: flex;
    gap: 1.5rem;
}

.footer-legal-links a {
    color: #94a3b8;
}

.footer-legal-links a:hover {
    color: #ffffff;
}

/* ==========================================================================
   12. Responsive Breakpoints & Adaptations
   ========================================================================== */

/* Large Tablets & Small Laptops (993px - 1200px) */
@media (max-width: 1200px) {
    .container {
        padding: 0 1.5rem;
    }
    .hero-title {
        font-size: 2.75rem;
    }
    .hero-grid {
        gap: 2.5rem;
    }
    .impact-banner-grid {
        grid-template-columns: repeat(3, 1fr);
    }
    .footer-grid {
        grid-template-columns: 1.4fr 1fr 1fr 1.2fr;
        gap: 2rem;
    }
}

/* Tablets (769px - 992px) */
@media (max-width: 992px) {
    .container {
        padding: 0 1.25rem;
    }
    .top-bar-hours-item {
        display: none;
    }
    .nav-links {
        display: none;
    }
    .mobile-menu-toggle {
        display: flex;
    }
    .hero-grid {
        grid-template-columns: 1fr;
        gap: 3rem;
    }
    .hero-lead {
        max-width: 100%;
    }
    .calc-card {
        grid-template-columns: 1fr;
        gap: 2.5rem;
        padding: 2rem;
    }
    .impact-banner-grid {
        grid-template-columns: repeat(3, 1fr);
        gap: 1.5rem 1rem;
    }
    .footer-grid {
        grid-template-columns: 1fr 1fr;
        gap: 2.5rem;
    }
}

/* Mobile Devices (<= 768px) */
@media (max-width: 768px) {
    .container {
        padding: 0 1rem;
    }
    
    /* Top Bar */
    .top-bar {
        font-size: 0.72rem;
        padding: 0.35rem 0;
    }
    .top-bar-support-item {
        display: none;
    }
    .top-bar-hours-item {
        display: none;
    }
    
    /* Navigation Header */
    .main-nav {
        padding: 0.65rem 0;
    }
    .brand-logo-img {
        height: 36px;
    }
    .brand-title {
        font-size: 1.05rem;
    }
    .brand-subtitle {
        display: none;
    }
    .btn-nav-staff {
        display: none;
    }
    .btn-nav-member span, .btn-nav-apply span {
        display: inline;
    }
    .btn-nav {
        height: 32px;
        padding: 0 9px;
        font-size: 0.74rem;
    }
    
    /* Hero Section */
    .hero-section {
        padding: 3rem 0 2.5rem;
    }
    .hero-title {
        font-size: 2.1rem;
        letter-spacing: -0.6px;
        margin-bottom: 1.15rem;
    }
    .hero-badge-pill {
        font-size: 0.74rem;
        padding: 0.35rem 0.85rem;
        margin-bottom: 1.15rem;
    }
    .hero-lead {
        font-size: 0.96rem;
        margin-bottom: 1.75rem;
    }
    .hero-ctas {
        flex-direction: column;
        gap: 0.75rem;
        margin-bottom: 2rem;
    }
    .hero-ctas .btn {
        width: 100%;
    }
    .hero-stats-row {
        grid-template-columns: repeat(3, 1fr);
        gap: 0.75rem;
        padding-top: 1.25rem;
    }
    .hero-stat-val {
        font-size: 1.35rem;
    }
    .hero-stat-lbl {
        font-size: 0.70rem;
    }
    .floating-badge {
        display: none;
    }
    .hero-bank-card {
        padding: 1.5rem 1.25rem;
        border-radius: var(--radius-lg);
    }
    .hero-bank-balance-val {
        font-size: 1.85rem;
        margin-bottom: 1.25rem;
    }
    
    /* Products Section */
    .section {
        padding: 3.5rem 0;
    }
    .section-header {
        margin-bottom: 2.25rem;
    }
    .section-title {
        font-size: 1.85rem;
        letter-spacing: -0.4px;
    }
    .section-subtitle {
        font-size: 0.92rem;
    }
    .products-grid {
        grid-template-columns: 1fr;
        gap: 1.25rem;
    }
    .product-card {
        padding: 1.5rem 1.25rem;
        border-radius: var(--radius-lg);
    }
    
    /* Loan Calculator */
    .calc-card {
        padding: 1.35rem 1rem;
        border-radius: var(--radius-lg);
        gap: 1.75rem;
    }
    .slider-val-badge {
        font-size: 1.15rem;
    }
    .calc-options-grid {
        gap: 0.5rem;
        margin-bottom: 1.25rem;
    }
    .calc-option-btn {
        padding: 0.65rem 0.5rem;
        font-size: 0.78rem;
    }
    .calc-result-box {
        padding: 1.5rem 1.15rem;
        border-radius: var(--radius-md);
    }
    .calc-repay-amount {
        font-size: 2.15rem;
        margin-bottom: 1.15rem;
    }
    
    /* Impact Banner */
    .impact-banner-section {
        padding: 3rem 0;
    }
    .impact-banner-grid {
        grid-template-columns: repeat(2, 1fr);
        gap: 1.5rem 0.75rem;
    }
    .impact-stat-last {
        grid-column: 1 / -1;
    }
    .impact-stat-number {
        font-size: 1.85rem;
    }
    .impact-stat-label {
        font-size: 0.78rem;
    }
    
    /* Branches */
    .branches-grid {
        grid-template-columns: 1fr;
        gap: 1rem;
    }
    .branch-card {
        padding: 1.25rem;
    }
    
    /* FAQ */
    .faq-question {
        padding: 1rem 1.15rem;
        font-size: 0.92rem;
    }
    .faq-answer {
        padding: 0 1.15rem 1rem;
        font-size: 0.84rem;
    }
    
    /* Footer */
    .footer {
        padding: 3rem 0 1.5rem;
    }
    .footer-grid {
        grid-template-columns: 1fr;
        gap: 2rem;
        margin-bottom: 2.25rem;
    }
    .footer-bottom {
        flex-direction: column;
        text-align: center;
        gap: 0.85rem;
        padding-top: 1.5rem;
    }
    .footer-legal-links {
        justify-content: center;
        gap: 1rem;
        font-size: 0.75rem;
    }
    
    /* Modals */
    .modal-overlay {
        padding: 0.75rem;
    }
    .login-modal-card {
        border-radius: var(--radius-lg);
    }
    .modal-header-banner {
        padding: 1.5rem 1.25rem 1rem;
    }
    .modal-body {
        padding: 1.25rem 1rem;
    }
    .modal-form-row-2col {
        grid-template-columns: 1fr;
        gap: 0;
    }
    .form-control {
        font-size: 16px; /* Prevents auto-zoom on iOS */
        height: 44px;
    }
}

/* Small Smart Phones (<= 480px) */
@media (max-width: 480px) {
    .brand-logo-img {
        height: 32px;
    }
    .brand-title {
        font-size: 0.95rem;
        max-width: 140px;
        overflow: hidden;
        text-overflow: ellipsis;
    }
    .btn-nav-member span {
        display: none;
    }
    .btn-nav-member {
        padding: 0 8px;
    }
    .btn-nav-apply {
        padding: 0 9px;
        font-size: 0.72rem;
    }
    .hero-title {
        font-size: 1.85rem;
    }
    .hero-stats-row {
        grid-template-columns: 1fr;
        gap: 1rem;
    }
    .hero-stat-val {
        font-size: 1.5rem;
    }
    .hero-bank-actions-grid {
        grid-template-columns: 1fr;
    }
    .calc-repay-amount {
        font-size: 1.85rem;
    }
}