/* ==========================================================================
   Design System & Base Tokens
   ========================================================================== */

:root {
    /* Color Palette */
    --color-bg-dark: 220, 27%, 6%;      /* #0B0E14 */
    --color-bg-navy: 215, 25%, 12%;     /* #171E2A */
    --color-bg-light: 210, 29%, 97%;    /* #F8FAFC */
    --color-bg-white: 0, 0%, 100%;
    
    --color-primary-orange: 14, 67%, 54%; /* #D95D39 (Executive Copper) */
    --color-primary-hover: 14, 75%, 46%;
    --color-accent-blue: 202, 100%, 45%;   /* #0091E6 (Lending Blue) */
    --color-accent-hover: 202, 100%, 38%;
    
    --color-purple-wave: 270, 31%, 12%;   /* #1F1528 */
    
    --color-text-light: 210, 40%, 98%;   /* #F8FAFC */
    --color-text-dark: 215, 28%, 17%;    /* #1E293B */
    --color-text-muted: 215, 16%, 47%;   /* #64748B */
    --color-text-dim: 215, 15%, 85%;     /* #CBD5E1 */

    /* Typography */
    --font-heading: 'Outfit', sans-serif;
    --font-body: 'Inter', sans-serif;

    /* Shadows & Transitions */
    --shadow-sm: 0 1px 2px 0 rgba(0, 0, 0, 0.05);
    --shadow-md: 0 4px 6px -1px rgba(0, 0, 0, 0.1), 0 2px 4px -1px rgba(0, 0, 0, 0.06);
    --shadow-lg: 0 10px 15px -3px rgba(0, 0, 0, 0.1), 0 4px 6px -2px rgba(0, 0, 0, 0.05);
    --shadow-xl: 0 20px 25px -5px rgba(0, 0, 0, 0.1), 0 10px 10px -5px rgba(0, 0, 0, 0.04);
    --shadow-premium: 0 25px 50px -12px rgba(0, 0, 0, 0.25);
    --shadow-glow-orange: 0 8px 25px rgba(217, 93, 57, 0.35);
    --shadow-glow-blue: 0 8px 25px rgba(0, 145, 230, 0.35);
    
    --transition-fast: 0.2s cubic-bezier(0.4, 0, 0.2, 1);
    --transition-normal: 0.4s cubic-bezier(0.25, 0.8, 0.25, 1);
    --transition-slow: 0.8s cubic-bezier(0.16, 1, 0.3, 1);
    
    --border-radius: 8px;
    --border-radius-lg: 16px;
    
    /* Layout */
    --container-width: 1200px;
    --header-height: 80px;
}

/* ==========================================================================
   Custom Scrollbar
   ========================================================================== */

::-webkit-scrollbar {
    width: 8px;
    height: 8px;
}

::-webkit-scrollbar-track {
    background: hsl(var(--color-bg-dark));
}

::-webkit-scrollbar-thumb {
    background: hsl(var(--color-primary-orange));
    border-radius: 4px;
}

::-webkit-scrollbar-thumb:hover {
    background: hsl(var(--color-primary-hover));
}

/* ==========================================================================
   CSS Resets & Base Configuration
   ========================================================================== */

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

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

body {
    font-family: var(--font-body);
    background-color: hsl(var(--color-bg-white));
    color: hsl(var(--color-text-dark));
    line-height: 1.6;
    overflow-x: hidden;
    -webkit-font-smoothing: antialiased;
}

h1, h2, h3, h4, h5, h6 {
    font-family: var(--font-heading);
    font-weight: 700;
    line-height: 1.25;
}

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

ul {
    list-style: none;
}

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

/* Common Layout Components */
.text-center { text-align: center; }
.text-dark { color: hsl(var(--color-text-dark)); }
.mt-4 { margin-top: 2rem; }
.font-bold { font-weight: 700; }

/* Reveal on Scroll Entry Effect */
.reveal-on-scroll {
    opacity: 0;
    transform: translateY(35px);
    transition: opacity var(--transition-slow), transform var(--transition-slow);
}

.reveal-on-scroll.revealed {
    opacity: 1;
    transform: translateY(0);
}

/* ==========================================================================
   Buttons
   ========================================================================== */

.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    padding: 0.8rem 1.8rem;
    font-size: 0.95rem;
    font-weight: 600;
    border-radius: 50px;
    border: none;
    cursor: pointer;
    transition: all var(--transition-fast);
    position: relative;
    overflow: hidden;
    text-align: center;
}

.btn-primary {
    background-color: hsl(var(--color-primary-orange));
    color: hsl(var(--color-text-light));
}

.btn-primary:hover {
    background-color: hsl(var(--color-primary-hover));
    transform: translateY(-2px);
    box-shadow: var(--shadow-glow-orange);
}

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

.btn-secondary:hover {
    background-color: hsl(var(--color-text-light));
    color: hsl(var(--color-bg-dark));
    transform: translateY(-2px);
}

.btn-accent {
    background-color: hsl(var(--color-accent-blue));
    color: hsl(var(--color-text-light));
}

.btn-accent:hover {
    background-color: hsl(var(--color-accent-hover));
    transform: translateY(-2px);
    box-shadow: var(--shadow-glow-blue);
}

.btn-search {
    background-color: hsl(var(--color-primary-orange));
    color: hsl(var(--color-text-light));
    border-radius: 4px;
    padding: 0.5rem 1.2rem;
    font-size: 0.9rem;
}

.btn-search:hover {
    background-color: hsl(var(--color-primary-hover));
}

.btn-find-direct {
    background-color: hsl(var(--color-primary-orange));
    color: hsl(var(--color-text-light));
    border-radius: 50px;
    padding: 0.55rem 1.6rem;
    font-size: 0.9rem;
}

.btn-find-direct:hover {
     background-color: hsl(var(--color-primary-hover));
}

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

.btn-text {
    padding: 0;
    background: transparent;
    color: hsl(var(--color-primary-orange));
    font-weight: 600;
    display: inline-flex;
    align-items: center;
    border-radius: 0;
}

.btn-text:hover {
    color: hsl(var(--color-primary-hover));
    transform: translateX(4px);
}

/* Button Shine Effect */
.btn-shine::after {
    content: '';
    position: absolute;
    top: -50%;
    left: -60%;
    width: 30%;
    height: 200%;
    background: rgba(255, 255, 255, 0.22);
    transform: rotate(30deg);
    transition: none;
}

.btn-shine:hover::after {
    left: 120%;
    transition: all 0.75s ease-in-out;
}

/* ==========================================================================
   Header Navigation
   ========================================================================== */

.site-header {
    position: fixed;
    top: 0;
    left: 0;
    width: 100%;
    height: var(--header-height);
    z-index: 1000;
    background-color: transparent;
    transition: background-color var(--transition-normal), box-shadow var(--transition-normal);
}

.site-header.scrolled {
    background-color: rgba(11, 14, 20, 0.94);
    backdrop-filter: blur(12px);
    box-shadow: 0 4px 20px rgba(0, 0, 0, 0.2);
    border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}

.site-header--solid {
    background-color: rgba(11, 14, 20, 0.98);
    backdrop-filter: blur(12px);
    border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}

/* ==========================================================================
   Subpage Hero Banner (unique background per page)
   ========================================================================== */

.page-hero {
    position: relative;
    min-height: 320px;
    margin-top: var(--header-height);
    background-size: cover;
    background-position: center;
    background-repeat: no-repeat;
    display: flex;
    align-items: flex-end;
}

.page-hero-overlay {
    position: absolute;
    inset: 0;
    background: linear-gradient(
        180deg,
        rgba(11, 14, 20, 0.35) 0%,
        rgba(11, 14, 20, 0.72) 55%,
        rgba(11, 14, 20, 0.92) 100%
    );
}

.page-hero-container {
    position: relative;
    z-index: 2;
    width: 100%;
    max-width: var(--container-width);
    margin: 0 auto;
    padding: 3.5rem 1.5rem 2.75rem;
}

.page-hero-title {
    color: hsl(var(--color-text-light));
    font-size: clamp(2rem, 4vw, 3rem);
    font-weight: 700;
    letter-spacing: -0.02em;
    max-width: 900px;
}

.page-content-placeholder {
    padding: 4rem 0 6rem;
    background-color: hsl(var(--color-bg-light));
    min-height: 40vh;
}

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

.header-container {
    max-width: var(--container-width);
    margin: 0 auto;
    padding: 0 1.5rem;
    height: 100%;
    display: flex;
    align-items: center;
    justify-content: space-between;
}

.logo-link {
    display: flex;
    align-items: center;
}

.logo-image {
    height: 38px;
    width: auto;
    object-fit: contain;
}

.nav-menu ul {
    display: flex;
    gap: 2.5rem;
}

.nav-link {
    color: hsl(var(--color-text-dim));
    font-size: 0.95rem;
    font-weight: 500;
    padding: 0.5rem 0;
    position: relative;
    display: flex;
    align-items: center;
}

.nav-link:hover, .nav-item:hover > .nav-link {
    color: hsl(var(--color-text-light));
}

.dropdown-arrow {
    display: inline-block;
    width: 0;
    height: 0;
    margin-left: 6px;
    vertical-align: middle;
    border-top: 4px solid currentColor;
    border-right: 4px solid transparent;
    border-left: 4px solid transparent;
    transition: transform var(--transition-fast);
}

.nav-item:hover .dropdown-arrow {
    transform: rotate(180deg);
}

/* Dropdown Menu */
.nav-item {
    position: relative;
}

.dropdown-menu {
    position: absolute;
    top: 100%;
    left: 50%;
    transform: translateX(-50%) translateY(15px);
    background-color: rgba(23, 30, 42, 0.95);
    backdrop-filter: blur(12px);
    -webkit-backdrop-filter: blur(12px);
    border: 1px solid rgba(255, 255, 255, 0.10);
    border-top: 3px solid hsl(var(--color-primary-orange));
    box-shadow: var(--shadow-xl);
    border-radius: var(--border-radius);
    padding: 0.8rem 0;
    min-width: 260px;
    display: flex;
    flex-direction: column;
    opacity: 0;
    visibility: hidden;
    /* Transition delay on hover-out prevents instant menu collapse if the mouse slips */
    transition: opacity var(--transition-normal) 0.12s, transform var(--transition-normal) 0.12s, visibility var(--transition-normal) 0.12s;
    pointer-events: none;
}

/* Invisible helper bridge to cover the hover gap between nav-link and dropdown */
.dropdown-menu::before {
    content: '';
    position: absolute;
    top: -20px;
    left: 0;
    width: 100%;
    height: 20px;
    background: transparent;
}

.nav-item:hover .dropdown-menu {
    opacity: 1;
    visibility: visible;
    transform: translateX(-50%) translateY(5px);
    pointer-events: auto;
    /* Resets delay to 0s for instant menu opening on hover-in */
    transition-delay: 0s;
}

.dropdown-menu li a {
    display: block;
    padding: 0.65rem 1.6rem;
    font-size: 0.88rem;
    color: hsl(var(--color-text-dim));
    transition: all var(--transition-fast);
}

.dropdown-menu li a:hover {
    color: hsl(var(--color-text-light));
    background-color: rgba(255, 255, 255, 0.05);
    padding-left: 1.85rem;
}

.header-actions {
    display: flex;
    align-items: center;
    gap: 1.5rem;
}

.btn-contact {
    padding: 0.55rem 1.5rem;
    font-size: 0.9rem;
    background-color: hsl(var(--color-primary-orange));
    color: hsl(var(--color-text-light));
    border-radius: 50px;
}

.btn-contact:hover {
    background-color: hsl(var(--color-primary-hover));
}

.mobile-nav-toggle {
    display: none;
    background: transparent;
    border: none;
    cursor: pointer;
    flex-direction: column;
    gap: 5px;
    width: 25px;
}

.mobile-nav-toggle .bar {
    width: 100%;
    height: 2px;
    background-color: hsl(var(--color-text-light));
    transition: var(--transition-fast);
}

/* ==========================================================================
   Hero Section with Particle Canvas
   ========================================================================== */

.hero-section {
    position: relative;
    height: 100vh;
    min-height: 600px;
    width: 100%;
    background-color: hsl(var(--color-bg-dark));
    background-image: linear-gradient(to bottom, rgba(11, 14, 20, 0.45), rgba(11, 14, 20, 0.82)), url('img/hero_homepage.png');
    background-size: cover;
    background-position: center;
    background-repeat: no-repeat;
    overflow: hidden;
    display: flex;
    align-items: center;
    z-index: 1;
}

.particle-canvas {
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    z-index: 2;
    pointer-events: all;
}

.hero-overlay {
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background: linear-gradient(to bottom, rgba(11, 14, 20, 0.35) 0%, rgba(11, 14, 20, 0.82) 100%);
    z-index: 3;
}

.hero-container {
    max-width: var(--container-width);
    margin: 0 auto;
    padding: 0 1.5rem;
    width: 100%;
    position: relative;
    z-index: 4;
}

.hero-content {
    max-width: 750px;
    color: hsl(var(--color-text-light));
    padding-bottom: 50px;
}

.hero-title {
    font-size: clamp(2.6rem, 5.5vw, 4.4rem);
    font-weight: 800;
    margin-bottom: 1.5rem;
    line-height: 1.12;
    letter-spacing: -1px;
}

.hero-subtitle {
    font-size: clamp(1.15rem, 2.6vw, 1.45rem);
    color: hsl(var(--color-text-dim));
    font-weight: 400;
    margin-bottom: 2.5rem;
    line-height: 1.55;
}

.hero-buttons {
    display: flex;
    gap: 1.25rem;
    flex-wrap: wrap;
}

.scroll-indicator {
    position: absolute;
    bottom: 30px;
    left: 50%;
    transform: translateX(-50%);
    color: hsl(var(--color-text-muted));
    z-index: 4;
    cursor: pointer;
    transition: color var(--transition-fast);
}

.scroll-indicator:hover {
    color: hsl(var(--color-text-light));
}

@keyframes bounce {
    0%, 20%, 50%, 80%, 100% { transform: translateY(0) translateX(-50%); }
    40% { transform: translateY(-10px) translateX(-50%); }
    60% { transform: translateY(-5px) translateX(-50%); }
}

.animate-bounce {
    animation: bounce 2s infinite;
}

/* Entry Animations */
.animate-up {
    opacity: 0;
    transform: translateY(25px);
    animation: fadeUp 0.80s cubic-bezier(0.16, 1, 0.3, 1) forwards;
}

.delay-1 { animation-delay: 0.15s; }
.delay-2 { animation-delay: 0.3s; }
.delay-3 { animation-delay: 0.45s; }

@keyframes fadeUp {
    to {
        opacity: 1;
        transform: translateY(0);
    }
}

/* Particle Visualizer Selector */
.animation-selector {
    margin-top: 2rem;
    display: flex;
    flex-direction: column;
    gap: 0.6rem;
}

.selector-label {
    font-size: 0.72rem;
    letter-spacing: 0.12em;
    font-weight: 700;
    color: hsl(var(--color-primary-orange));
    text-transform: uppercase;
}

.selector-buttons {
    display: flex;
    gap: 0.65rem;
    flex-wrap: wrap;
}

.anim-btn {
    background: rgba(23, 30, 42, 0.5);
    border: 1px solid rgba(255, 255, 255, 0.1);
    color: hsl(var(--color-text-dim));
    padding: 0.5rem 1.1rem;
    border-radius: 30px;
    font-size: 0.82rem;
    font-weight: 600;
    font-family: var(--font-heading);
    cursor: pointer;
    display: inline-flex;
    align-items: center;
    gap: 0.45rem;
    backdrop-filter: blur(8px);
    -webkit-backdrop-filter: blur(8px);
    transition: all var(--transition-fast);
}

.anim-btn:hover {
    background: rgba(255, 255, 255, 0.08);
    border-color: rgba(255, 255, 255, 0.25);
    color: hsl(var(--color-text-light));
    transform: translateY(-1px);
}

.anim-btn.active {
    background: rgba(217, 93, 57, 0.18);
    border-color: hsl(var(--color-primary-orange));
    color: hsl(var(--color-text-light));
    box-shadow: 0 0 12px rgba(217, 93, 57, 0.25);
}

.btn-dot {
    display: inline-block;
    width: 6px;
    height: 6px;
    border-radius: 50%;
    background-color: hsl(var(--color-text-muted));
    transition: all var(--transition-fast);
}

.anim-btn:hover .btn-dot {
    background-color: hsl(var(--color-text-light));
}

.anim-btn.active .btn-dot {
    background-color: hsl(var(--color-primary-orange));
    box-shadow: 0 0 8px hsl(var(--color-primary-orange));
}

/* ==========================================================================
   Adviser Locator Widget Section
   ========================================================================== */

.locator-section {
    position: relative;
    margin-top: -90px; /* Overlap Hero */
    z-index: 10;
    padding: 0 1.5rem;
}

.locator-container {
    max-width: var(--container-width);
    margin: 0 auto;
}

.locator-tabs {
    display: flex;
    flex-wrap: wrap;
    gap: 4px;
    margin-bottom: 0px;
    margin-left: 20px;
}

.tab-btn {
    background: rgba(255, 255, 255, 0.85);
    border: none;
    padding: 0.75rem 1.8rem;
    font-family: var(--font-heading);
    font-weight: 600;
    font-size: 0.95rem;
    cursor: pointer;
    border-radius: 8px 8px 0 0;
    color: hsl(var(--color-text-muted));
    transition: all var(--transition-fast);
}

.tab-btn:hover {
    color: hsl(var(--color-text-dark));
    background: rgb(255, 255, 255);
}

.tab-btn.active {
    background: hsl(var(--color-bg-white));
    color: hsl(var(--color-text-dark));
    box-shadow: 0 -4px 10px rgba(0, 0, 0, 0.05);
}

.locator-card-wrapper {
    background-color: hsl(var(--color-bg-white));
    border-radius: var(--border-radius);
    box-shadow: var(--shadow-premium);
    overflow: hidden;
    border: 1px solid rgba(0, 0, 0, 0.05);
    border-top: 3px solid hsl(var(--color-primary-orange));
}

.tab-content {
    display: none;
    padding: 2.5rem;
}

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

.locator-grid {
    display: grid;
    grid-template-columns: 1.15fr 1fr 1fr;
    gap: 2.5rem;
}

.locator-col {
    display: flex;
    flex-direction: column;
}

.locator-col:not(:last-child) {
    border-right: 1px solid rgba(0, 0, 0, 0.08);
    padding-right: 2rem;
}

.locator-col-title {
    font-size: 1.15rem;
    font-weight: 700;
    margin-bottom: 1.5rem;
    color: hsl(var(--color-text-dark));
    border-bottom: 2px solid hsl(var(--color-primary-orange));
    padding-bottom: 8px;
    display: inline-block;
    width: max-content;
}

/* Search Box Form Styles */
.search-box-col {
    background: hsl(var(--color-bg-dark));
    border-radius: 6px;
    padding: 1.8rem;
    color: hsl(var(--color-text-light));
}

.search-box-col .locator-col-title {
    color: hsl(var(--color-text-light));
    border-bottom-color: hsl(var(--color-primary-orange));
    width: 100%;
}

.locator-search-form {
    display: flex;
    flex-direction: column;
    gap: 1.25rem;
    margin-top: 0.5rem;
}

.form-group-row {
    display: flex;
    gap: 5px;
}

.form-input-text {
    flex: 1;
    padding: 0.6rem 0.9rem;
    border-radius: 4px;
    border: 1px solid rgba(255, 255, 255, 0.15);
    background-color: rgba(255, 255, 255, 0.05);
    color: hsl(var(--color-text-light));
    font-size: 0.9rem;
    font-family: var(--font-body);
    outline: none;
}

.form-input-text::placeholder {
    color: hsl(var(--color-text-muted));
}

.form-input-text:focus {
    border-color: hsl(var(--color-primary-orange));
    background-color: rgba(255, 255, 255, 0.08);
}

.search-divider {
    text-align: center;
    position: relative;
    font-size: 0.8rem;
    color: hsl(var(--color-text-muted));
    margin: 0.2rem 0;
}

.search-divider::before, .search-divider::after {
    content: '';
    position: absolute;
    top: 50%;
    width: 40%;
    height: 1px;
    background-color: rgba(255, 255, 255, 0.12);
}

.search-divider::before { left: 0; }
.search-divider::after { right: 0; }

.form-select {
    width: 100%;
    padding: 0.6rem 0.9rem;
    border-radius: 4px;
    border: 1px solid rgba(255, 255, 255, 0.15);
    background-color: rgba(255, 255, 255, 0.05);
    color: hsl(var(--color-text-light));
    font-size: 0.9rem;
    outline: none;
}

.form-select option {
    background-color: hsl(var(--color-bg-dark));
    color: hsl(var(--color-text-light));
}

.locator-form-footer {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-top: 0.75rem;
}

.link-light {
    font-size: 0.85rem;
    color: hsl(var(--color-text-muted));
    border-bottom: 1px dotted currentColor;
}

.link-light:hover {
    color: hsl(var(--color-text-light));
}

/* Specialist and Solutions list styling */
.specialist-list {
    display: flex;
    flex-direction: column;
    gap: 0.95rem;
}

.specialist-list li {
    display: flex;
    align-items: center;
    gap: 0.85rem;
}

.specialist-list li a {
    font-size: 0.95rem;
    font-weight: 500;
    color: hsl(var(--color-text-dark));
    transition: var(--transition-fast);
}

.specialist-list li a:hover {
    color: hsl(var(--color-primary-orange));
    transform: translateX(4px);
}

.icon-span {
    display: flex;
    align-items: center;
    justify-content: center;
    width: 28px;
    height: 28px;
    border-radius: 4px;
    background-color: rgba(217, 93, 57, 0.08);
    color: hsl(var(--color-primary-orange));
    transition: all var(--transition-fast);
}

.specialist-list li:hover .icon-span {
    background-color: hsl(var(--color-primary-orange));
    color: hsl(var(--color-text-light));
    transform: scale(1.08);
}

.icon-span svg {
    width: 15px;
    height: 15px;
}

/* ==========================================================================
   Goal Realisation Section
   ========================================================================== */

.goals-proposition-section {
    padding: 6rem 1.5rem;
    background-color: hsl(var(--color-bg-white));
}

.goals-container {
    max-width: 950px;
    margin: 0 auto;
    text-align: center;
}

.goals-title {
    font-size: clamp(1.9rem, 3.8vw, 2.7rem);
    font-weight: 700;
    color: hsl(var(--color-primary-orange));
    margin-bottom: 2rem;
    line-height: 1.22;
}

.goals-body {
    font-size: 1.05rem;
    color: hsl(var(--color-text-muted));
    display: flex;
    flex-direction: column;
    gap: 1.5rem;
    line-height: 1.75;
}

.goals-action-link {
    display: inline-block;
    align-self: center;
    margin-top: 1.5rem;
    font-weight: 600;
    color: hsl(var(--color-primary-orange));
    border-bottom: 2px solid transparent;
    padding-bottom: 4px;
}

.goals-action-link:hover {
    border-bottom-color: currentColor;
    color: hsl(var(--color-primary-hover));
}

/* ==========================================================================
   Commercial Credit section & Calculator
   ========================================================================== */

.loan-section {
    padding: 6rem 1.5rem;
    background-color: hsl(var(--color-bg-light));
    border-top: 1px solid rgba(0, 0, 0, 0.05);
    border-bottom: 1px solid rgba(0, 0, 0, 0.05);
}

.loan-container {
    max-width: var(--container-width);
    margin: 0 auto;
}

/* Bank Logos Band */
.bank-logos-band {
    margin-bottom: 4.5rem;
    text-align: center;
}

.logos-title {
    font-size: 0.9rem;
    text-transform: uppercase;
    letter-spacing: 1.5px;
    color: hsl(var(--color-text-muted));
    font-weight: 600;
    margin-bottom: 1.8rem;
}

.logos-wrapper {
    display: flex;
    justify-content: center;
    align-items: center;
    flex-wrap: wrap;
    gap: 1.5rem;
    opacity: 0.9;
}

.bank-logo-item {
    font-family: var(--font-heading);
    font-size: 1.05rem;
    font-weight: 800;
    color: hsl(var(--color-text-dark));
    display: flex;
    align-items: center;
    gap: 8px;
    background: rgba(255, 255, 255, 0.7);
    padding: 0.5rem 1.25rem;
    border-radius: 30px;
    border: 1px solid rgba(0, 0, 0, 0.05);
    box-shadow: var(--shadow-sm);
    transition: all var(--transition-fast);
}

.bank-logo-item:hover {
    transform: translateY(-2px);
    background: #ffffff;
    box-shadow: var(--shadow-md);
    border-color: rgba(0, 145, 230, 0.15);
}

.bank-symbol-accent {
    color: hsl(var(--color-accent-blue));
    font-size: 0.85rem;
}

/* Loan Grid Layout */
.loan-grid {
    display: grid;
    grid-template-columns: 1fr 1.1fr;
    gap: 3.5rem;
    align-items: stretch;
}

/* Left Promo Card */
.loan-promo-card {
    background-color: hsl(var(--color-bg-white));
    border-radius: var(--border-radius-lg);
    box-shadow: var(--shadow-lg);
    overflow: hidden;
    display: flex;
    flex-direction: column;
    border: 1px solid rgba(0,0,0,0.04);
    transition: transform var(--transition-normal);
}

.loan-promo-card:hover {
    transform: translateY(-6px);
}

.loan-image-container {
    position: relative;
    height: 240px;
    overflow: hidden;
}

.loan-hero-img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    transition: transform var(--transition-slow);
}

.loan-promo-card:hover .loan-hero-img {
    transform: scale(1.05);
}

.loan-promo-badge {
    position: absolute;
    top: 15px;
    left: 15px;
    background-color: hsl(var(--color-accent-blue));
    color: hsl(var(--color-text-light));
    padding: 0.35rem 0.85rem;
    border-radius: 4px;
    font-size: 0.75rem;
    font-weight: 700;
    letter-spacing: 0.5px;
    text-transform: uppercase;
}

.loan-promo-content {
    padding: 2.5rem;
    display: flex;
    flex-direction: column;
    flex: 1;
}

.loan-promo-title {
    font-size: 1.8rem;
    font-weight: 700;
    margin-bottom: 0.85rem;
    color: hsl(var(--color-text-dark));
}

.loan-promo-desc {
    color: hsl(var(--color-text-muted));
    font-size: 1rem;
    margin-bottom: 2rem;
    flex: 1;
    line-height: 1.65;
}

/* Right Calculator Card styling */
.loan-calc-card {
    background-color: rgba(255, 255, 255, 0.85);
    backdrop-filter: blur(10px);
    border-radius: var(--border-radius-lg);
    box-shadow: var(--shadow-xl);
    padding: 2.8rem;
    border: 1px solid rgba(0, 145, 230, 0.08);
    border-top: 3px solid hsl(var(--color-accent-blue));
    position: relative;
}

.calc-title {
    font-size: 1.5rem;
    font-weight: 700;
    color: hsl(var(--color-text-dark));
    margin-bottom: 0.25rem;
}

.calc-subtitle {
    font-size: 0.95rem;
    color: hsl(var(--color-text-muted));
    margin-bottom: 2.2rem;
}

.calc-body {
    display: flex;
    flex-direction: column;
    gap: 1.8rem;
}

.slider-group {
    display: flex;
    flex-direction: column;
    gap: 0.6rem;
}

.slider-header {
    display: flex;
    justify-content: space-between;
    align-items: center;
    font-weight: 600;
    font-size: 0.95rem;
}

.slider-value {
    color: hsl(var(--color-accent-blue));
    font-size: 1.15rem;
    font-weight: 700;
}

/* Range input customization with Fill Track */
.input-slider {
    -webkit-appearance: none;
    width: 100%;
    height: 6px;
    border-radius: 3px;
    background: #E2E8F0;
    outline: none;
    background-image: linear-gradient(hsl(var(--color-accent-blue)), hsl(var(--color-accent-blue)));
    background-repeat: no-repeat;
    background-size: 0% 100%; /* Dynamically filled by JS */
}

.input-slider::-webkit-slider-thumb {
    -webkit-appearance: none;
    width: 22px;
    height: 22px;
    border-radius: 50%;
    background: hsl(var(--color-accent-blue));
    border: 3px solid #ffffff;
    cursor: pointer;
    box-shadow: 0 3px 8px rgba(0, 0, 0, 0.18), 0 0 0 4px rgba(0, 145, 230, 0.15);
    transition: var(--transition-fast);
}

.input-slider::-webkit-slider-thumb:hover {
    transform: scale(1.1);
    background: hsl(var(--color-accent-hover));
    box-shadow: 0 3px 10px rgba(0, 0, 0, 0.22), 0 0 0 6px rgba(0, 145, 230, 0.25);
}

.slider-ticks {
    display: flex;
    justify-content: space-between;
    font-size: 0.75rem;
    color: hsl(var(--color-text-muted));
    margin-top: 1px;
}

/* Repayment display panel */
.calc-result-box {
    background-color: rgba(0, 145, 230, 0.04);
    border-radius: var(--border-radius);
    padding: 1.5rem;
    text-align: center;
    border: 1px solid rgba(0, 145, 230, 0.1);
}

.result-label {
    display: block;
    font-size: 0.85rem;
    text-transform: uppercase;
    font-weight: 700;
    color: hsl(var(--color-text-muted));
    letter-spacing: 0.5px;
    margin-bottom: 0.5rem;
}

.result-value {
    display: block;
    font-size: 2.8rem;
    font-weight: 800;
    font-family: var(--font-heading);
    color: hsl(var(--color-accent-blue));
    line-height: 1;
}

.result-disclaimer {
    font-size: 0.72rem;
    color: hsl(var(--color-text-muted));
    margin-top: 0.75rem;
}

/* ==========================================================================
   About Us Core Pillars (Findex style - Adapted for Boutique Office)
   ========================================================================== */

.about-pillars-section {
    padding: 6.5rem 1.5rem;
    background-color: hsl(var(--color-bg-white));
}

.about-pillars-container {
    max-width: var(--container-width);
    margin: 0 auto;
}

.section-header {
    margin-bottom: 4.5rem;
}

.section-tag {
    display: inline-block;
    font-size: 0.8rem;
    font-weight: 700;
    letter-spacing: 2px;
    color: hsl(var(--color-primary-orange));
    text-transform: uppercase;
    margin-bottom: 0.75rem;
}

.section-tag.light {
    color: rgba(255, 255, 255, 0.7);
}

.section-title {
    font-size: clamp(2rem, 4vw, 2.5rem);
    font-weight: 800;
    color: hsl(var(--color-text-light));
    margin-top: 0;
}

.pillars-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 2.5rem;
}

.pillar-card {
    background-color: hsl(var(--color-bg-white));
    padding: 2.8rem;
    border-radius: var(--border-radius);
    border: 1px solid rgba(0, 0, 0, 0.05);
    box-shadow: var(--shadow-sm);
    transition: all var(--transition-normal);
    display: flex;
    flex-direction: column;
}

.pillar-card:hover {
    transform: translateY(-8px);
    box-shadow: var(--shadow-xl);
    border-color: rgba(217, 93, 57, 0.15);
}

.pillar-icon {
    width: 60px;
    height: 60px;
    border-radius: 50%;
    background-color: rgba(217, 93, 57, 0.06);
    color: hsl(var(--color-primary-orange));
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 2rem;
    transition: all var(--transition-normal);
}

.pillar-card:hover .pillar-icon {
    background-color: hsl(var(--color-primary-orange));
    color: hsl(var(--color-text-light));
    transform: scale(1.08) rotate(5deg);
}

.pillar-icon svg {
    width: 26px;
    height: 26px;
}

.pillar-title {
    font-size: 0.85rem;
    letter-spacing: 1.5px;
    font-weight: 700;
    color: hsl(var(--color-primary-orange));
    margin-bottom: 0.5rem;
}

.pillar-subtitle {
    font-size: 1.25rem;
    font-weight: 700;
    color: hsl(var(--color-text-dark));
    margin-bottom: 1.25rem;
}

.pillar-desc {
    font-size: 0.95rem;
    color: hsl(var(--color-text-muted));
    line-height: 1.65;
}

/* ==========================================================================
   Insights Blog Section
   ========================================================================== */

.insights-section {
    padding: 6.5rem 1.5rem;
    background-color: hsl(var(--color-bg-light));
}

.insights-container {
    max-width: var(--container-width);
    margin: 0 auto;
}

.insights-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 2.5rem;
}

.insight-card {
    background-color: hsl(var(--color-bg-white));
    border-radius: var(--border-radius);
    box-shadow: var(--shadow-sm);
    overflow: hidden;
    display: flex;
    flex-direction: column;
    border: 1px solid rgba(0, 0, 0, 0.04);
    transition: all var(--transition-normal);
}

.insight-card:hover {
    transform: translateY(-8px);
    box-shadow: var(--shadow-xl);
}

.insight-img-box {
    position: relative;
    height: 210px;
    overflow: hidden;
}

.insight-img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    transition: transform var(--transition-slow);
}

.insight-card:hover .insight-img {
    transform: scale(1.06);
}

.insight-badge {
    position: absolute;
    bottom: 15px;
    left: 15px;
    background-color: hsl(var(--color-bg-dark));
    color: hsl(var(--color-text-light));
    padding: 0.3rem 0.75rem;
    font-size: 0.75rem;
    font-weight: 600;
    border-radius: 4px;
    box-shadow: var(--shadow-sm);
}

.insight-content {
    padding: 2rem;
    display: flex;
    flex-direction: column;
    flex: 1;
}

.insight-card-title {
    font-size: 1.25rem;
    font-weight: 700;
    margin-bottom: 0.85rem;
    line-height: 1.4;
    color: hsl(var(--color-text-dark));
}

.insight-card-title a:hover {
    color: hsl(var(--color-primary-orange));
}

.insight-card-excerpt {
    font-size: 0.92rem;
    color: hsl(var(--color-text-muted));
    line-height: 1.65;
    margin-bottom: 2rem;
    flex: 1;
}

.insight-author {
    border-top: 1px solid rgba(0, 0, 0, 0.06);
    padding-top: 1.2rem;
    display: flex;
    align-items: center;
}

.author-info {
    display: flex;
    flex-direction: column;
}

.author-name {
    font-size: 0.85rem;
    font-weight: 700;
    color: hsl(var(--color-text-dark));
}

.insight-date {
    font-size: 0.75rem;
    color: hsl(var(--color-text-muted));
}

/* ==========================================================================
   Sectors We Specialise In
   ========================================================================== */

.industries-section {
    padding: 6.5rem 1.5rem;
    background-color: hsl(var(--color-bg-white));
}

.industries-container {
    max-width: var(--container-width);
    margin: 0 auto;
}

.industries-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 2.5rem;
}

.industry-card {
    height: 400px;
    border-radius: var(--border-radius-lg);
    background-size: cover;
    background-position: center;
    overflow: hidden;
    position: relative;
    display: flex;
    align-items: flex-end;
    box-shadow: var(--shadow-lg);
    transition: transform var(--transition-normal);
}

.industry-card:hover {
    transform: translateY(-6px);
}

.industry-card-content {
    padding: 3.2rem;
    color: hsl(var(--color-text-light));
    z-index: 2;
    width: 100%;
}

.industry-title {
    font-size: 2.1rem;
    font-weight: 800;
    margin-bottom: 0.5rem;
}

.industry-desc {
    color: hsl(var(--color-text-dim));
    font-size: 1.02rem;
    line-height: 1.55;
    margin-bottom: 1.8rem;
    max-width: 440px;
}

.industry-card .btn-text {
    color: hsl(var(--color-text-light));
}

.industry-card:hover .btn-text {
    color: hsl(var(--color-primary-orange));
}

/* ==========================================================================
   Booking & Consultation Form Section (Merged from Image 2)
   ========================================================================== */

.booking-section {
    padding: 6.5rem 1.5rem;
    background-color: hsl(var(--color-bg-light));
}

.booking-container {
    max-width: var(--container-width);
    margin: 0 auto;
}

.booking-card-main {
    background-color: hsl(var(--color-bg-white));
    border-radius: var(--border-radius-lg);
    box-shadow: var(--shadow-premium);
    overflow: hidden;
    display: grid;
    grid-template-columns: 1fr 1.35fr;
    border: 1px solid rgba(0, 0, 0, 0.05);
}

/* Left Visual Column */
.booking-visual {
    background-color: hsl(var(--color-bg-dark));
    color: hsl(var(--color-text-light));
    position: relative;
    overflow: hidden;
    display: flex;
    flex-direction: column;
}

.booking-consultant-img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    object-position: center top;
    flex: 1;
}

.booking-visual-info {
    position: absolute;
    bottom: 0;
    left: 0;
    width: 100%;
    padding: 2.5rem;
    background: linear-gradient(to top, rgba(11, 14, 20, 0.96) 0%, rgba(11, 14, 20, 0.4) 100%);
    border-top: 1px solid rgba(255, 255, 255, 0.05);
}

.booking-visual-info h4 {
    font-size: 1.4rem;
    margin-bottom: 0.65rem;
}

.booking-visual-info p {
    font-size: 0.95rem;
    color: hsl(var(--color-text-dim));
    line-height: 1.55;
}

/* Right Form Box Column */
.booking-form-box {
    padding: 3.8rem;
    display: flex;
    flex-direction: column;
    justify-content: center;
    position: relative;
}

.form-tag {
    font-size: 0.75rem;
    font-weight: 700;
    color: hsl(var(--color-accent-blue));
    letter-spacing: 2px;
    margin-bottom: 0.5rem;
}

.form-title {
    font-size: 2.1rem;
    color: hsl(var(--color-text-dark));
    margin-bottom: 0.5rem;
}

.form-desc {
    color: hsl(var(--color-text-muted));
    font-size: 0.95rem;
    margin-bottom: 2.2rem;
}

.consultation-form {
    display: flex;
    flex-direction: column;
    gap: 1.35rem;
}

.form-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 1.35rem;
}

.booking-form-box label {
    display: block;
    font-size: 0.85rem;
    font-weight: 600;
    color: hsl(var(--color-text-dark));
    margin-bottom: 0.45rem;
}

.form-input, .booking-form-box .form-select, .form-textarea {
    width: 100%;
    padding: 0.75rem 1rem;
    border-radius: 6px;
    border: 1px solid #CBD5E1;
    background-color: hsl(var(--color-bg-white));
    color: hsl(var(--color-text-dark));
    font-size: 0.92rem;
    font-family: var(--font-body);
    outline: none;
    transition: all var(--transition-fast);
}

.form-input:focus, .booking-form-box .form-select:focus, .form-textarea:focus {
    border-color: hsl(var(--color-accent-blue));
    box-shadow: 0 0 0 3px rgba(0, 145, 230, 0.15);
}

.form-textarea {
    resize: none;
}

/* Success Message overlay styling */
.form-success-message {
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background-color: hsl(var(--color-bg-white));
    z-index: 5;
    display: none;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    padding: 3.5rem;
    text-align: center;
}

.form-success-message.active {
    display: flex;
    animation: fadeIn var(--transition-normal) forwards;
}

@keyframes fadeIn {
    from { opacity: 0; transform: scale(0.96); }
    to { opacity: 1; transform: scale(1); }
}

.success-icon {
    width: 70px;
    height: 70px;
    background-color: rgba(34, 197, 94, 0.1);
    color: rgb(34, 197, 94);
    font-size: 2.2rem;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 1.5rem;
}

.form-success-message h3 {
    font-size: 1.8rem;
    color: hsl(var(--color-text-dark));
    margin-bottom: 0.75rem;
}

.form-success-message p {
    color: hsl(var(--color-text-muted));
    font-size: 1rem;
    line-height: 1.5;
    max-width: 320px;
}

/* ==========================================================================
   Footer
   ========================================================================== */

.site-footer {
    background-color: hsl(var(--color-bg-dark));
    color: hsl(var(--color-text-light));
    border-top: 1px solid rgba(255, 255, 255, 0.05);
}

.footer-top {
    padding: 5rem 1.5rem 4.5rem 1.5rem;
}

.footer-container {
    max-width: var(--container-width);
    margin: 0 auto;
}

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

.brand-col {
    display: flex;
    flex-direction: column;
    gap: 1.5rem;
}

.footer-logo {
    height: 38px;
    width: auto;
    object-self: flex-start;
}

.brand-pitch {
    font-size: 0.9rem;
    color: hsl(var(--color-text-dim));
    line-height: 1.6;
}

.social-links {
    display: flex;
    gap: 1rem;
    margin-top: 0.5rem;
}

.social-links a {
    color: hsl(var(--color-text-muted));
    background-color: rgba(255, 255, 255, 0.04);
    width: 38px;
    height: 38px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
}

.social-links a:hover {
    color: hsl(var(--color-primary-orange));
    background-color: rgba(255, 255, 255, 0.08);
    transform: translateY(-2px);
}

.footer-title {
    font-size: 1rem;
    font-weight: 700;
    margin-bottom: 1.5rem;
    color: hsl(var(--color-text-light));
    position: relative;
    padding-bottom: 6px;
}

.footer-title::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    width: 30px;
    height: 2px;
    background-color: hsl(var(--color-primary-orange));
}

.footer-col ul {
    display: flex;
    flex-direction: column;
    gap: 0.8rem;
}

.footer-col ul a {
    font-size: 0.85rem;
    color: hsl(var(--color-text-dim));
}

.footer-col ul a:hover {
    color: hsl(var(--color-text-light));
    padding-left: 3px;
}

/* Footer Bottom styles */
.footer-bottom {
    background-color: rgba(0, 0, 0, 0.2);
    padding: 1.8rem 1.5rem;
    font-size: 0.8rem;
    color: hsl(var(--color-text-muted));
    border-top: 1px solid rgba(255, 255, 255, 0.03);
}

.bottom-flex {
    display: flex;
    justify-content: space-between;
    align-items: center;
    flex-wrap: wrap;
    gap: 1.5rem;
}

.copyright {
    line-height: 1.5;
    max-width: 750px;
}

.back-to-top {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    color: hsl(var(--color-text-dim));
    font-weight: 600;
}

.back-to-top:hover {
    color: hsl(var(--color-text-light));
}

.chevron-up {
    font-size: 0.65rem;
}

/* ==========================================================================
   Responsive Breakpoints (Optimized Desktop Layout)
   ========================================================================== */

@media (max-width: 1024px) {
    .locator-grid {
        grid-template-columns: 1fr;
        gap: 2rem;
    }
    
    .locator-col:not(:last-child) {
        border-right: none;
        padding-right: 0;
        border-bottom: 1px solid rgba(0, 0, 0, 0.08);
        padding-bottom: 2rem;
    }

    .search-box-col {
        border-bottom: none !important;
        padding-bottom: 1.5rem !important;
    }

    .loan-grid {
        grid-template-columns: 1fr;
        gap: 2.5rem;
    }

    .pillars-grid {
        grid-template-columns: 1fr;
        gap: 2rem;
    }

    .insights-grid {
        grid-template-columns: 1fr 1fr;
        gap: 2rem;
    }

    .booking-card-main {
        grid-template-columns: 1fr;
    }

    .booking-visual {
        height: 250px;
    }

    .booking-consultant-img {
        object-position: center 25%;
    }

    .footer-grid {
        grid-template-columns: 1.5fr 1fr 1fr;
        gap: 2.5rem;
    }
}

@media (max-width: 768px) {
    :root {
        --header-height: 70px;
    }

    /* Mobile Header Layout */
    .mobile-nav-toggle {
        display: flex;
    }

    .nav-menu {
        position: fixed;
        top: var(--header-height);
        left: 0;
        width: 100%;
        height: calc(100vh - var(--header-height));
        background-color: hsl(var(--color-bg-dark));
        z-index: 999;
        display: flex;
        justify-content: center;
        padding-top: 3rem;
        opacity: 0;
        visibility: hidden;
        transform: translateY(-10px);
        transition: all var(--transition-normal);
        border-top: 1px solid rgba(255, 255, 255, 0.08);
    }

    .nav-menu.active {
        opacity: 1;
        visibility: visible;
        transform: translateY(0);
    }

    .nav-menu ul {
        flex-direction: column;
        align-items: center;
        gap: 2rem;
    }

    .nav-link {
        font-size: 1.2rem;
    }

    .dropdown-menu {
        position: static;
        transform: none !important;
        opacity: 1;
        visibility: visible;
        background-color: rgba(255, 255, 255, 0.03);
        box-shadow: none;
        border: none;
        margin-top: 0.5rem;
        min-width: 200px;
        text-align: center;
    }

    .nav-item:hover .dropdown-menu {
        transform: none !important;
    }

    .hero-content {
        padding-bottom: 20px;
        text-align: center;
    }

    .hero-buttons {
        justify-content: center;
    }

    .locator-section {
        margin-top: -50px;
    }

    .tab-content {
        padding: 1.5rem;
    }

    .insights-grid {
        grid-template-columns: 1fr;
    }

    .industries-grid {
        grid-template-columns: 1fr;
    }

    .booking-form-box {
        padding: 2rem;
    }

    .form-row {
        grid-template-columns: 1fr;
        gap: 1.25rem;
    }

    .footer-grid {
        grid-template-columns: 1fr;
        gap: 2rem;
    }

    .brand-col {
        align-items: center;
        text-align: center;
    }

    .footer-logo {
        object-self: center;
    }

    .footer-title::after {
        left: 50%;
        transform: translateX(-50%);
    }

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

/* ==========================================================================
   Subpage Content Layout & Elements (Antigravity Custom Addition)
   ========================================================================== */

.subpage-section {
    padding: 5rem 0 7rem;
    background-color: hsl(var(--color-bg-light));
}

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

.subpage-grid {
    display: grid;
    grid-template-columns: 2.3fr 1fr;
    gap: 3.5rem;
    align-items: start;
}

.subpage-main-content {
    background-color: hsl(var(--color-bg-white));
    padding: 3.5rem;
    border-radius: var(--border-radius-lg);
    box-shadow: var(--shadow-md);
    border: 1px solid rgba(0, 0, 0, 0.04);
}

.subpage-sidebar {
    position: sticky;
    top: 100px;
    display: flex;
    flex-direction: column;
    gap: 2.5rem;
}

/* Typography elements in subpage */
.subpage-main-content h2 {
    font-size: 1.85rem;
    color: hsl(var(--color-text-dark));
    margin-top: 2.5rem;
    margin-bottom: 1.25rem;
    font-family: var(--font-heading);
    font-weight: 700;
    border-left: 4px solid hsl(var(--color-primary-orange));
    padding-left: 1rem;
    line-height: 1.35;
}

.subpage-main-content h2:first-of-type {
    margin-top: 0;
}

.subpage-main-content h3 {
    font-size: 1.35rem;
    color: hsl(var(--color-text-dark));
    margin-top: 2rem;
    margin-bottom: 0.85rem;
    font-family: var(--font-heading);
    font-weight: 600;
}

.subpage-main-content p {
    color: hsl(var(--color-text-muted));
    font-size: 1.025rem;
    line-height: 1.75;
    margin-bottom: 1.5rem;
}

.subpage-main-content ul {
    margin-bottom: 2rem;
    padding-left: 0;
}

.subpage-main-content ul li {
    position: relative;
    padding-left: 1.75rem;
    color: hsl(var(--color-text-muted));
    font-size: 1rem;
    line-height: 1.65;
    margin-bottom: 0.75rem;
}

.subpage-main-content ul li::before {
    content: "✓";
    position: absolute;
    left: 0;
    color: hsl(var(--color-primary-orange));
    font-weight: 700;
}

/* Highlight / Callout box */
.highlight-card {
    background-color: hsl(var(--color-bg-light));
    border-left: 4px solid hsl(var(--color-accent-blue));
    padding: 2rem;
    border-radius: 0 var(--border-radius) var(--border-radius) 0;
    margin: 2.5rem 0;
}

.highlight-card p {
    margin-bottom: 0 !important;
    font-style: italic;
    font-size: 1.05rem;
    color: hsl(var(--color-text-dark)) !important;
}

/* Specification / Overview Table */
.spec-table-wrapper {
    overflow-x: auto;
    margin: 2.5rem 0;
    border-radius: var(--border-radius);
    border: 1px solid rgba(0, 0, 0, 0.08);
}

.spec-table {
    width: 100%;
    border-collapse: collapse;
    font-size: 0.95rem;
    text-align: left;
    background-color: hsl(var(--color-bg-white));
}

.spec-table th, .spec-table td {
    padding: 1rem 1.25rem;
    border-bottom: 1px solid rgba(0, 0, 0, 0.06);
}

.spec-table th {
    background-color: hsl(var(--color-bg-navy));
    color: hsl(var(--color-text-light));
    font-family: var(--font-heading);
    font-weight: 600;
}

.spec-table tr:last-child td {
    border-bottom: none;
}

.spec-table tr:nth-child(even) td {
    background-color: hsl(var(--color-bg-light));
}

/* Process Steps Layout */
.process-timeline {
    display: flex;
    flex-direction: column;
    gap: 1.5rem;
    margin: 2.5rem 0;
}

.process-step {
    display: flex;
    gap: 1.5rem;
    background-color: hsl(var(--color-bg-light));
    padding: 1.75rem;
    border-radius: var(--border-radius);
    border: 1px solid rgba(0,0,0,0.03);
    transition: transform var(--transition-fast);
}

.process-step:hover {
    transform: translateY(-2px);
    box-shadow: var(--shadow-md);
}

.step-number {
    flex-shrink: 0;
    width: 42px;
    height: 42px;
    background-color: hsl(var(--color-primary-orange));
    color: hsl(var(--color-text-light));
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 700;
    font-family: var(--font-heading);
    font-size: 1.15rem;
}

.step-details h4 {
    font-size: 1.15rem;
    margin-bottom: 0.5rem;
    color: hsl(var(--color-text-dark));
}

.step-details p {
    font-size: 0.95rem;
    margin-bottom: 0;
    line-height: 1.55;
}

/* FAQ Accordion Layout */
.faq-accordion {
    display: flex;
    flex-direction: column;
    gap: 1.25rem;
    margin: 2.5rem 0;
}

.faq-item {
    border: 1px solid rgba(0, 0, 0, 0.08);
    border-radius: var(--border-radius);
    background-color: hsl(var(--color-bg-white));
    overflow: hidden;
    transition: box-shadow var(--transition-fast);
}

.faq-item.active {
    box-shadow: var(--shadow-md);
    border-color: rgba(217, 93, 57, 0.15);
}

.faq-question {
    padding: 1.25rem 1.5rem;
    font-family: var(--font-heading);
    font-weight: 600;
    font-size: 1.05rem;
    color: hsl(var(--color-text-dark));
    cursor: pointer;
    background-color: hsl(var(--color-bg-light));
    display: flex;
    justify-content: space-between;
    align-items: center;
    transition: background-color var(--transition-fast), color var(--transition-fast);
}

.faq-question:hover {
    background-color: rgba(0, 0, 0, 0.03);
}

.faq-item.active .faq-question {
    color: hsl(var(--color-primary-orange));
    background-color: rgba(217, 93, 57, 0.02);
}

.faq-question span:last-child {
    transition: transform var(--transition-normal), color var(--transition-normal);
    font-size: 1.2rem;
    font-weight: 500;
}

.faq-item.active .faq-question span:last-child {
    transform: rotate(45deg);
    color: hsl(var(--color-primary-orange));
}

.faq-answer {
    max-height: 0;
    overflow: hidden;
    padding: 0 1.5rem;
    border-top: 1px solid transparent;
    color: hsl(var(--color-text-muted));
    font-size: 0.975rem;
    line-height: 1.65;
    opacity: 0;
    transition: max-height var(--transition-normal) ease, padding var(--transition-normal) ease, border-top var(--transition-normal) ease, opacity var(--transition-fast) ease;
}

.faq-item.active .faq-answer {
    max-height: 500px;
    padding: 1.5rem;
    border-top: 1px solid rgba(0, 0, 0, 0.06);
    opacity: 1;
}

/* Sidebar Widgets */
.sidebar-widget {
    background-color: hsl(var(--color-bg-white));
    padding: 2rem;
    border-radius: var(--border-radius);
    border: 1px solid rgba(0, 0, 0, 0.05);
    box-shadow: var(--shadow-sm);
}

.widget-title {
    font-size: 1.15rem;
    font-weight: 700;
    color: hsl(var(--color-text-dark));
    margin-bottom: 1.25rem;
    border-bottom: 2px solid hsl(var(--color-primary-orange));
    padding-bottom: 8px;
    width: max-content;
}

.sidebar-links {
    display: flex;
    flex-direction: column;
    gap: 0.75rem;
}

.sidebar-links a {
    font-size: 0.925rem;
    color: hsl(var(--color-text-muted));
    display: flex;
    align-items: center;
    gap: 8px;
    transition: all var(--transition-fast);
}

.sidebar-links a::before {
    content: "→";
    color: hsl(var(--color-text-muted));
    transition: transform var(--transition-fast), color var(--transition-fast);
}

.sidebar-links a:hover {
    color: hsl(var(--color-primary-orange));
    padding-left: 4px;
}

.sidebar-links a:hover::before {
    color: hsl(var(--color-primary-orange));
    transform: translateX(2px);
}

.sidebar-links li.active a {
    color: hsl(var(--color-primary-orange));
    font-weight: 600;
}

.sidebar-links li.active a::before {
    color: hsl(var(--color-primary-orange));
}

.cta-widget {
    background-color: hsl(var(--color-bg-dark));
    color: hsl(var(--color-text-light));
    border-top: 3px solid hsl(var(--color-primary-orange));
}

.cta-widget .widget-title {
    color: hsl(var(--color-text-light));
}

.cta-widget p {
    font-size: 0.925rem;
    color: hsl(var(--color-text-dim));
    line-height: 1.55;
    margin-bottom: 1.5rem;
}

/* Responsive Overrides */
@media (max-width: 1024px) {
    .subpage-grid {
        grid-template-columns: 1fr;
        gap: 2.5rem;
    }
    
    .subpage-sidebar {
        position: static;
    }
}

/* Header Navigation Active Highlighting */
.nav-link.active {
    color: hsl(var(--color-primary-orange)) !important;
}

.nav-link.active::after {
    content: '';
    position: absolute;
    bottom: -2px;
    left: 0;
    width: 100%;
    height: 2px;
    background-color: hsl(var(--color-primary-orange));
    box-shadow: 0 0 8px hsl(var(--color-primary-orange));
}

.dropdown-menu li a.active {
    color: hsl(var(--color-primary-orange)) !important;
    background-color: rgba(255, 255, 255, 0.04);
    padding-left: 1.85rem;
    border-left: 2px solid hsl(var(--color-primary-orange));
}

/* Floating Back to Top Button */
.back-to-top {
    position: fixed !important;
    bottom: 30px !important;
    right: 30px !important;
    z-index: 999;
    background: rgba(11, 14, 20, 0.82) !important;
    border: 1px solid rgba(255, 255, 255, 0.15) !important;
    color: hsl(var(--color-text-dim)) !important;
    width: 46px !important;
    height: 46px !important;
    border-radius: 50% !important;
    display: flex !important;
    align-items: center !important;
    justify-content: center !important;
    font-size: 0 !important;
    cursor: pointer !important;
    box-shadow: var(--shadow-lg) !important;
    backdrop-filter: blur(8px);
    -webkit-backdrop-filter: blur(8px);
    opacity: 0;
    pointer-events: none;
    transform: translateY(15px);
    transition: all var(--transition-normal) !important;
}

.back-to-top.visible {
    opacity: 1;
    pointer-events: auto;
    transform: translateY(0);
}

.back-to-top::after {
    content: "";
    display: block;
    width: 18px;
    height: 18px;
    background-color: hsl(var(--color-text-dim));
    -webkit-mask: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23ffffff' stroke-width='2.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='18 15 12 9 6 15'/%3E%3C/svg%3E") no-repeat center;
    mask: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23ffffff' stroke-width='2.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='18 15 12 9 6 15'/%3E%3C/svg%3E") no-repeat center;
    transition: background-color var(--transition-fast), transform var(--transition-fast);
}

.back-to-top:hover {
    background: hsl(var(--color-bg-navy)) !important;
    border-color: hsl(var(--color-primary-orange)) !important;
    box-shadow: var(--shadow-glow-orange) !important;
    color: hsl(var(--color-text-light)) !important;
}

.back-to-top:hover::after {
    background-color: hsl(var(--color-primary-orange));
    transform: translateY(-2px);
}

/* Premium Subpage Content Split Layout */
.split-layout {
    display: flex;
    gap: 2.5rem;
    align-items: center;
    margin: 2.5rem 0;
}

.split-layout.reverse {
    flex-direction: row-reverse;
}

.split-text {
    flex: 1.3;
}

.split-image {
    flex: 0.7;
    min-width: 280px;
}

.inline-img {
    width: 100%;
    height: auto;
    border-radius: var(--border-radius);
    border: 1px solid rgba(0, 0, 0, 0.08);
    box-shadow: var(--shadow-md);
    transition: all var(--transition-normal);
}

.inline-img:hover {
    transform: translateY(-3px);
    box-shadow: var(--shadow-lg);
    border-color: hsl(var(--color-primary-orange));
}

@media (max-width: 768px) {
    .split-layout, .split-layout.reverse {
        flex-direction: column;
        gap: 1.5rem;
    }
    
    .split-image {
        width: 100%;
        min-width: unset;
    }
}

/* ==========================================================================
   Advanced Premium Visual Enhancements
   ========================================================================== */

/* 1. Global Custom Selection Colors */
::selection {
    background-color: rgba(217, 93, 57, 0.25);
    color: hsl(var(--color-text-light));
}

/* 2. Top Scroll Progress Indicator Bar */
.scroll-progress-bar {
    position: fixed;
    top: 0;
    left: 0;
    height: 3px;
    background: linear-gradient(to right, hsl(var(--color-primary-orange)), hsl(var(--color-accent-blue)));
    width: 0%;
    z-index: 10001;
    pointer-events: none;
    transition: width 0.08s ease-out;
}

/* 3. Vercel-Style Radial Hover Glow */
.pillar-card, .loan-calc-card, .insight-card, .industry-card, .booking-card-main, .highlight-card, .loan-promo-card {
    position: relative;
    overflow: hidden;
}

.pillar-card::before, 
.loan-calc-card::before, 
.insight-card::before, 
.industry-card::before, 
.booking-card-main::before, 
.highlight-card::before, 
.loan-promo-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: radial-gradient(350px circle at var(--mouse-x, 0px) var(--mouse-y, 0px), rgba(217, 93, 57, 0.075), transparent 45%);
    z-index: 0;
    pointer-events: none;
    opacity: 0;
    transition: opacity 0.4s ease;
}

.pillar-card:hover::before, 
.loan-calc-card:hover::before, 
.insight-card:hover::before, 
.industry-card:hover::before, 
.booking-card-main:hover::before, 
.highlight-card:hover::before, 
.loan-promo-card:hover::before {
    opacity: 1;
}

/* Force inner child nodes to render above the pseudo-element glow layer */
.pillar-card > *, 
.loan-calc-card > *, 
.insight-card > *, 
.industry-card > *, 
.booking-card-main > *, 
.highlight-card > *, 
.loan-promo-card > * {
    position: relative;
    z-index: 1;
}

/* 4. Calculator Dynamic Repayment Breakdown Bar */
.calc-chart-container {
    margin-top: 1.4rem;
    padding-top: 1.2rem;
    border-top: 1px solid rgba(255, 255, 255, 0.08);
}

.calc-chart-bar {
    display: flex;
    height: 8px;
    border-radius: 4px;
    overflow: hidden;
    background-color: rgba(255, 255, 255, 0.1);
    margin-bottom: 0.8rem;
}

.calc-chart-fill {
    height: 100%;
    transition: width 0.3s cubic-bezier(0.25, 0.8, 0.25, 1);
}

.calc-chart-fill.principal {
    background-color: hsl(var(--color-accent-blue));
    box-shadow: 0 0 8px rgba(0, 145, 230, 0.4);
}

.calc-chart-fill.interest {
    background-color: hsl(var(--color-primary-orange));
    box-shadow: 0 0 8px rgba(217, 93, 57, 0.4);
}

.calc-chart-labels {
    display: flex;
    justify-content: space-between;
    font-size: 0.76rem;
    color: hsl(var(--color-text-dim));
}

.chart-label {
    display: inline-flex;
    align-items: center;
    gap: 6px;
}

.color-dot {
    width: 8px;
    height: 8px;
    border-radius: 50%;
    display: inline-block;
}

.principal-dot {
    background-color: hsl(var(--color-accent-blue));
}

.interest-dot {
    background-color: hsl(var(--color-primary-orange));
}