/* =====================================================================
   United Capital Financial Services — Design Tokens
   Palette : Navy #0B1F3A / Royal Blue #123B72 / Gold #C9A227 / Gold Light #E8C766
             Off-white #F7F9FC / Slate text #3A4556
   Type    : 'Playfair Display' (display) + 'Inter' (body/utility)
   ===================================================================== */

:root {
    --navy: #0b1f3a;
    --royal: #123b72;
    --royal-light: #1c4e8f;
    --gold: #c9a227;
    --gold-light: #e8c766;
    --off-white: #f7f9fc;
    --white: #ffffff;
    --slate: #3a4556;
    --slate-light: #6b7686;
    --success: #1f9d55;
    --danger: #c0392b;
    --radius: 16px;
    --shadow-soft: 0 10px 40px rgba(11, 31, 58, 0.12);
    --shadow-gold: 0 8px 24px rgba(201, 162, 39, 0.35);
}

* { box-sizing: border-box; }

html { scroll-behavior: smooth; }

body {
    font-family: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
    color: var(--slate);
    background: var(--off-white);
    overflow-x: hidden;
}

h1, h2, h3, h4, .font-display {
    font-family: 'Playfair Display', Georgia, serif;
    color: var(--navy);
    font-weight: 700;
}

a { text-decoration: none; }

.text-gold { color: var(--gold) !important; }
.bg-navy { background: var(--navy) !important; }
.bg-royal { background: var(--royal) !important; }

.eyebrow {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    font-family: 'Inter', sans-serif;
    font-size: 0.75rem;
    font-weight: 700;
    letter-spacing: 0.14em;
    text-transform: uppercase;
    color: var(--gold);
}
.eyebrow::before {
    content: "";
    width: 22px;
    height: 2px;
    background: var(--gold);
    display: inline-block;
}

/* ---------- Buttons ---------- */
.btn-gold {
    background: linear-gradient(135deg, var(--gold-light), var(--gold));
    color: var(--navy);
    font-weight: 700;
    border: none;
    padding: 0.75rem 1.75rem;
    border-radius: 50px;
    box-shadow: var(--shadow-gold);
    transition: transform .25s ease, box-shadow .25s ease;
}
.btn-gold:hover { transform: translateY(-2px); box-shadow: 0 12px 30px rgba(201,162,39,.45); color: var(--navy); }

.btn-outline-light-gold {
    border: 1.5px solid rgba(255,255,255,.5);
    color: #fff;
    padding: 0.7rem 1.6rem;
    border-radius: 50px;
    background: rgba(255,255,255,.06);
    backdrop-filter: blur(6px);
    transition: all .25s ease;
}
.btn-outline-light-gold:hover { border-color: var(--gold); color: var(--gold-light); background: rgba(255,255,255,.12); }

.btn-navy {
    background: var(--navy);
    color: #fff;
    font-weight: 600;
    padding: 0.7rem 1.6rem;
    border-radius: 50px;
    border: none;
}
.btn-navy:hover { background: var(--royal); color: #fff; }

/* ---------- Sticky Header ---------- */
#mainHeader {
    position: sticky;
    top: 0;
    z-index: 1050;
    background: rgba(11, 31, 58, 0.85);
    backdrop-filter: blur(14px);
    -webkit-backdrop-filter: blur(14px);
    border-bottom: 1px solid rgba(201,162,39,.25);
    transition: background .3s ease;
}
#mainHeader .navbar-brand small { color: var(--gold-light); letter-spacing: .05em; }
#mainHeader .nav-link {
    color: #eef2f8 !important;
    font-weight: 500;
    font-size: .93rem;
    margin: 0 .4rem;
    position: relative;
}
#mainHeader .nav-link::after {
    content: "";
    position: absolute;
    left: 0; bottom: -4px;
    width: 0; height: 2px;
    background: var(--gold);
    transition: width .25s ease;
}
#mainHeader .nav-link:hover::after,
#mainHeader .nav-link.active::after { width: 100%; }
#mainHeader .top-strip {
    background: var(--navy);
    color: #cdd8ea;
    font-size: .82rem;
    border-bottom: 1px solid rgba(201,162,39,.2);
}
#mainHeader .top-strip a { color: #cdd8ea; }
#mainHeader .top-strip a:hover { color: var(--gold-light); }

/* ---------- Hero ---------- */
.hero {
    position: relative;
    background: radial-gradient(ellipse at top left, #16345f 0%, var(--navy) 55%, #081426 100%);
    padding: 7rem 0 8rem;
    overflow: hidden;
    color: #fff;
}
.hero::before {
    content: "";
    position: absolute; inset: 0;
    background-image:
        linear-gradient(rgba(201,162,39,.06) 1px, transparent 1px),
        linear-gradient(90deg, rgba(201,162,39,.06) 1px, transparent 1px);
    background-size: 46px 46px;
    mask-image: radial-gradient(ellipse at 30% 30%, black, transparent 70%);
    opacity: .6;
}
.hero .hero-badge {
    background: rgba(201,162,39,.12);
    border: 1px solid rgba(201,162,39,.4);
    color: var(--gold-light);
    padding: .4rem 1rem;
    border-radius: 50px;
    font-size: .8rem;
    font-weight: 600;
    letter-spacing: .04em;
}
.hero h1 { color: #fff; font-size: clamp(2.1rem, 4vw, 3.4rem); line-height: 1.15; }
.hero p.lead { color: #cdd8ea; font-size: 1.1rem; }

/* Glass calculator card — signature element */
.glass-card {
    background: rgba(255,255,255,.08);
    border: 1px solid rgba(255,255,255,.18);
    backdrop-filter: blur(20px);
    -webkit-backdrop-filter: blur(20px);
    border-radius: 22px;
    box-shadow: 0 20px 60px rgba(0,0,0,.35);
    transform: rotate(-1.2deg);
    transition: transform .4s ease;
}
.glass-card:hover { transform: rotate(0deg) translateY(-4px); }
.glass-card .form-label { color: #dbe4f2; font-size: .8rem; text-transform: uppercase; letter-spacing: .06em; }
.glass-card .form-control, .glass-card .form-select {
    background: rgba(255,255,255,.1);
    border: 1px solid rgba(255,255,255,.25);
    color: #fff;
}
.glass-card .form-control::placeholder { color: rgba(255,255,255,.55); }
.glass-card .form-control:focus, .glass-card .form-select:focus {
    background: rgba(255,255,255,.16);
    border-color: var(--gold);
    box-shadow: 0 0 0 .2rem rgba(201,162,39,.25);
    color: #fff;
}
.glass-card .emi-result { font-family: 'Playfair Display', serif; font-size: 2.1rem; color: var(--gold-light); }

/* ---------- Sections ---------- */
.section { padding: 5.5rem 0; }
.section-tight { padding: 3.5rem 0; }
.bg-soft { background: var(--off-white); }

/* Step cards (real 4-step process, order matters) */
.step-card {
    background: #fff;
    border-radius: var(--radius);
    padding: 2rem 1.5rem;
    box-shadow: var(--shadow-soft);
    position: relative;
    height: 100%;
    transition: transform .3s ease;
}
.step-card:hover { transform: translateY(-6px); }
.step-card .step-num {
    font-family: 'Playfair Display', serif;
    font-size: 2.4rem;
    color: rgba(201,162,39,.35);
    position: absolute;
    top: 1rem; right: 1.2rem;
    font-weight: 700;
}
.step-card .icon-wrap {
    width: 56px; height: 56px;
    border-radius: 14px;
    background: linear-gradient(135deg, var(--royal), var(--navy));
    display: flex; align-items: center; justify-content: center;
    color: var(--gold-light);
    font-size: 1.5rem;
    margin-bottom: 1rem;
}

/* Loan product cards */
.loan-card {
    background: #fff;
    border-radius: var(--radius);
    box-shadow: var(--shadow-soft);
    overflow: hidden;
    height: 100%;
    transition: transform .3s ease, box-shadow .3s ease;
    border-top: 3px solid transparent;
}
.loan-card:hover { transform: translateY(-8px); box-shadow: 0 20px 50px rgba(11,31,58,.18); border-top-color: var(--gold); }
.loan-card .icon-circle {
    width: 54px; height: 54px;
    border-radius: 50%;
    background: linear-gradient(135deg, var(--navy), var(--royal));
    color: var(--gold-light);
    display: flex; align-items: center; justify-content: center;
    font-size: 1.4rem;
}
.loan-card .rate-tag {
    background: rgba(201,162,39,.12);
    color: #8a6c14;
    font-size: .78rem;
    font-weight: 700;
    padding: .25rem .6rem;
    border-radius: 6px;
}

/* Why choose us */
.feature-item { display: flex; gap: 1rem; align-items: flex-start; }
.feature-item .feature-icon {
    width: 46px; height: 46px; flex: 0 0 46px;
    border-radius: 12px;
    background: rgba(201,162,39,.12);
    color: var(--gold);
    display: flex; align-items: center; justify-content: center;
    font-size: 1.2rem;
}

/* Stats counters */
.stats-strip { background: linear-gradient(120deg, var(--navy), var(--royal)); color: #fff; }
.stat-num { font-family: 'Playfair Display', serif; font-size: 2.6rem; color: var(--gold-light); font-weight: 700; }
.stat-label { color: #cdd8ea; font-size: .88rem; letter-spacing: .03em; }

/* Bank partner logos */
.partner-logo {
    filter: grayscale(100%);
    opacity: .65;
    transition: all .3s ease;
    max-height: 42px;
}
.partner-logo:hover { filter: grayscale(0%); opacity: 1; }

/* Testimonials */
.testimonial-card {
    background: #fff;
    border-radius: var(--radius);
    padding: 1.75rem;
    box-shadow: var(--shadow-soft);
    height: 100%;
}
.testimonial-card .stars { color: var(--gold); font-size: .85rem; }
.testimonial-card .avatar {
    width: 46px; height: 46px; border-radius: 50%;
    background: var(--royal); color: #fff;
    display: flex; align-items: center; justify-content: center; font-weight: 700;
}

/* FAQ accordion tweaks */
.accordion-button:not(.collapsed) {
    background: rgba(201,162,39,.08);
    color: var(--navy);
    box-shadow: none;
}
.accordion-button:focus { box-shadow: none; border-color: var(--gold); }

/* Forms */
.form-control:focus, .form-select:focus {
    border-color: var(--gold);
    box-shadow: 0 0 0 .2rem rgba(201,162,39,.18);
}
.form-floating > label { color: var(--slate-light); }

/* Footer */
footer.site-footer { background: var(--navy); color: #cdd8ea; }
footer.site-footer h6 { color: var(--gold-light); letter-spacing: .05em; text-transform: uppercase; font-size: .85rem; }
footer.site-footer a { color: #cdd8ea; }
footer.site-footer a:hover { color: var(--gold-light); }
footer.site-footer .footer-bottom { background: #081426; font-size: .85rem; }

/* Floating WhatsApp + Call buttons */
.floating-actions { position: fixed; right: 20px; bottom: 24px; z-index: 1080; display: flex; flex-direction: column; gap: 12px; }
.fab {
    width: 56px; height: 56px; border-radius: 50%;
    display: flex; align-items: center; justify-content: center;
    color: #fff; font-size: 1.5rem;
    box-shadow: 0 10px 25px rgba(0,0,0,.25);
    transition: transform .2s ease;
    animation: pulse 2.4s infinite;
}
.fab:hover { transform: scale(1.08); color: #fff; }
.fab-whatsapp { background: #25d366; }
.fab-call { background: var(--gold); color: var(--navy); animation-delay: .5s; }
@keyframes pulse {
    0% { box-shadow: 0 0 0 0 rgba(37,211,102,.45); }
    70% { box-shadow: 0 0 0 14px rgba(37,211,102,0); }
    100% { box-shadow: 0 0 0 0 rgba(37,211,102,0); }
}

/* Dark mode */
body.dark-mode { background: #0e1626; color: #d7e0ef; }
body.dark-mode .bg-soft { background: #131d31; }
body.dark-mode .loan-card, body.dark-mode .step-card, body.dark-mode .testimonial-card { background: #172238; color: #d7e0ef; box-shadow: 0 10px 30px rgba(0,0,0,.4); }
body.dark-mode h1, body.dark-mode h2, body.dark-mode h3, body.dark-mode h4 { color: #f2f5fb; }

/* Scroll reveal */
.reveal { opacity: 0; transform: translateY(24px); transition: opacity .7s ease, transform .7s ease; }
.reveal.active { opacity: 1; transform: translateY(0); }

/* Page header (inner pages) */
.page-header {
    background: linear-gradient(120deg, var(--navy), var(--royal));
    color: #fff;
    padding: 3.5rem 0 2.5rem;
}
.page-header .breadcrumb-item, .page-header .breadcrumb-item a { color: #cdd8ea; }
.page-header .breadcrumb-item.active { color: var(--gold-light); }

@media (max-width: 767px) {
    .hero { padding: 4rem 0 5rem; text-align: center; }
    .glass-card { transform: none; margin-top: 2rem; }
    .section { padding: 3.5rem 0; }
}