/* ============================================================
   Capital District Savings Bank — Stylesheet
   ============================================================ */

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

:root {
    --primary: #2563eb;
    --primary-dark: #1d4ed8;
    --primary-light: #3b82f6;
    --secondary: #64748b;
    --accent: #06d6a0;
    --success: #10b981;
    --warning: #f59e0b;
    --error: #ef4444;
    --dark: #1e293b;
    --darker: #0f172a;
    --light: #f8fafc;
    --lighter: #ffffff;
    --gray-100: #f1f5f9;
    --gray-200: #e2e8f0;
    --gray-300: #cbd5e1;
    --gray-400: #94a3b8;
    --gray-500: #64748b;
    --gray-600: #475569;
    --gray-700: #334155;
    --gray-800: #1e293b;
    --gray-900: #0f172a;

    --shadow-sm: 0 1px 2px 0 rgb(0 0 0 / 0.05);
    --shadow: 0 2px 4px -1px rgb(0 0 0 / 0.1), 0 1px 2px -1px rgb(0 0 0 / 0.1);
    --shadow-md: 0 6px 10px -3px rgb(0 0 0 / 0.1), 0 2px 4px -2px rgb(0 0 0 / 0.1);
    --shadow-lg: 0 12px 16px -4px rgb(0 0 0 / 0.1), 0 4px 6px -2px rgb(0 0 0 / 0.1);
    --shadow-xl: 0 20px 25px -5px rgb(0 0 0 / 0.15);

    --radius-sm: 0.25rem;
    --radius: 0.375rem;
    --radius-md: 0.5rem;
    --radius-lg: 0.75rem;
    --radius-xl: 1rem;

    --ease: cubic-bezier(0.4, 0, 0.2, 1);
    --ease-spring: cubic-bezier(0.34, 1.56, 0.64, 1);
    --transition: all 0.25s var(--ease);
    --transition-fast: all 0.15s var(--ease);
}

html {
    scroll-behavior: smooth;
    font-size: 14px;
}

body {
    font-family: 'Inter', sans-serif;
    line-height: 1.5;
    color: var(--dark);
    background-color: var(--lighter);
    overflow-x: hidden;
    font-size: 0.875rem;
}

.container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 1rem;
}

h1, h2, h3, h4, h5, h6 {
    font-weight: 600;
    line-height: 1.3;
    margin-bottom: 0.75rem;
}

h1 { font-size: 2rem; }
h2 { font-size: 1.75rem; }
h3 { font-size: 1.5rem; }
h4 { font-size: 1.25rem; }

p {
    margin-bottom: 0.75rem;
    color: var(--gray-600);
    font-size: 0.875rem;
}

/* ============================================================
   Buttons
   ============================================================ */
.btn {
    display: inline-flex;
    align-items: center;
    gap: 0.375rem;
    padding: 0.5rem 1rem;
    border: none;
    border-radius: var(--radius);
    font-weight: 500;
    text-decoration: none;
    cursor: pointer;
    transition: transform 0.2s var(--ease), box-shadow 0.25s var(--ease), background 0.25s var(--ease), color 0.25s var(--ease);
    font-size: 0.8125rem;
    position: relative;
    overflow: hidden;
    isolation: isolate;
}

.btn::before {
    content: '';
    position: absolute;
    top: 0;
    left: -100%;
    width: 100%;
    height: 100%;
    background: linear-gradient(90deg, transparent, rgba(255,255,255,0.25), transparent);
    transition: left 0.5s var(--ease);
    z-index: -1;
}

.btn:hover::before { left: 100%; }

.btn-primary {
    background: linear-gradient(135deg, var(--primary), var(--primary-dark));
    background-size: 200% 200%;
    color: white;
    box-shadow: var(--shadow);
}

.btn-primary:hover {
    transform: translateY(-2px);
    box-shadow: 0 10px 20px -6px rgba(37, 99, 235, 0.55);
    background-position: 100% 50%;
}

.btn-primary:active { transform: translateY(0) scale(0.98); }

.btn-outline {
    background: transparent;
    color: var(--primary);
    border: 1.5px solid var(--primary);
}

.btn-outline:hover {
    background: var(--primary);
    color: white;
    transform: translateY(-2px);
    box-shadow: 0 8px 16px -6px rgba(37, 99, 235, 0.45);
}

.btn-large { padding: 0.75rem 1.5rem; font-size: 0.875rem; }
.btn-full { width: 100%; justify-content: center; }

.btn-outline-2 {
    background: transparent;
    color: white;
    border: 1.5px solid white;
}

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

.ripple {
    position: absolute;
    border-radius: 50%;
    background-color: rgba(255, 255, 255, 0.6);
    transform: scale(0);
    animation: ripple-animation 0.65s linear;
    pointer-events: none;
}

@keyframes ripple-animation {
    to { transform: scale(4); opacity: 0; }
}

/* ============================================================
   Loading Screen
   ============================================================ */
.loading-screen {
    position: fixed;
    inset: 0;
    background: var(--darker);
    display: flex;
    align-items: center;
    justify-content: center;
    z-index: 9999;
    transition: opacity 0.6s ease-out, visibility 0.6s ease-out;
}

.loading-content { text-align: center; color: white; }

.loading-logo {
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 2rem;
    animation: logoFade 0.8s var(--ease-spring);
}

@keyframes logoFade {
    from { opacity: 0; transform: scale(0.9); }
    to { opacity: 1; transform: scale(1); }
}

.loading-progress {
    width: 200px;
    height: 4px;
    background: var(--gray-700);
    border-radius: 2px;
    overflow: hidden;
    margin: 0 auto;
}

.progress-bar {
    height: 100%;
    background: linear-gradient(90deg, var(--primary), var(--accent), var(--primary));
    background-size: 200% 100%;
    width: 0%;
    animation: loading 2s ease-in-out forwards, shimmer 1.4s linear infinite;
}

@keyframes loading {
    0% { width: 0%; }
    100% { width: 100%; }
}

@keyframes shimmer {
    0% { background-position: 0% 0; }
    100% { background-position: 200% 0; }
}

/* ============================================================
   Header
   ============================================================ */
.header {
    position: fixed;
    top: 0;
    width: 100%;
    z-index: 1000;
    background: rgba(255, 255, 255, 0.92);
    backdrop-filter: blur(12px);
    -webkit-backdrop-filter: blur(12px);
    border-bottom: 1px solid var(--gray-200);
    transition: box-shadow 0.3s var(--ease), background 0.3s var(--ease);
}

.header.scrolled {
    box-shadow: var(--shadow-md);
    background: rgba(255, 255, 255, 0.98);
}

.top-alert {
    background: linear-gradient(135deg, var(--primary), var(--primary-dark));
    background-size: 200% 200%;
    animation: gradientShift 8s ease infinite;
    color: white;
    padding: 0.5rem 0;
    font-size: 0.875rem;
    text-align: center;
}

@keyframes gradientShift {
    0%, 100% { background-position: 0% 50%; }
    50% { background-position: 100% 50%; }
}

.alert-text {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 0.5rem;
}

.main-nav { padding: 1rem 0; }

.nav-content {
    display: flex;
    align-items: center;
    justify-content: space-between;
}

/* ============================================================
   Logo — Standalone, no colored background
   ============================================================ */
.logo {
    display: flex;
    align-items: center;
    gap: 0.75rem;
    text-decoration: none;
    color: var(--dark);
    font-weight: 700;
    font-size: 1.5rem;
}

/* Standalone logo — no gradient square, no background */
.logo-icon {
    background: none;
    border-radius: 0;
    display: flex;
    align-items: center;
    justify-content: center;
    transition: transform 0.4s var(--ease-spring);
    overflow: visible;
}

.logo:hover .logo-icon { transform: rotate(-4deg) scale(1.05); }

.logo img {
    display: block;
    width: auto;
    height: auto;
    max-width: 180px;
    max-height: 70px;
    object-fit: contain;
    background: transparent;
}

/* Loading screen logo — standalone */
.loading-logo .logo-icon {
    background: none;
    border-radius: 0;
}

.loading-logo img {
    display: block;
    width: auto;
    height: auto;
    max-width: 220px;
    max-height: 90px;
    object-fit: contain;
    background: transparent;
    filter: drop-shadow(0 4px 12px rgba(0, 0, 0, 0.35));
}

/* Footer logo — standalone */
.footer-logo .logo-icon {
    background: none;
    border-radius: 0;
}

.footer-logo img {
    display: block;
    width: auto;
    height: auto;
    max-width: 160px;
    max-height: 60px;
    object-fit: contain;
    background: transparent;
}

/* ============================================================
   Navigation
   ============================================================ */
.nav-menu {
    display: flex;
    align-items: center;
    gap: 2rem;
}

.nav-item { position: relative; }

.nav-link {
    color: var(--gray-700);
    text-decoration: none;
    font-weight: 500;
    display: flex;
    align-items: center;
    gap: 0.25rem;
    transition: color 0.25s var(--ease);
    padding: 0.5rem 0;
    position: relative;
}

.nav-link::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    width: 100%;
    height: 2px;
    background: linear-gradient(90deg, var(--primary), var(--accent));
    transform: scaleX(0);
    transform-origin: left;
    transition: transform 0.3s var(--ease);
}

.nav-link:hover { color: var(--primary); }
.nav-link:hover::after { transform: scaleX(1); }
.nav-link:hover i { transform: rotate(180deg); }
.nav-link i { transition: transform 0.3s var(--ease); }
.nav-link.active { color: var(--primary); }
.nav-link.active::after { transform: scaleX(1); }

.dropdown-menu {
    position: absolute;
    top: 100%;
    left: 0;
    background: white;
    min-width: 220px;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-xl);
    padding: 0.5rem 0;
    opacity: 0;
    visibility: hidden;
    transform: translateY(8px);
    transition: opacity 0.25s var(--ease), transform 0.25s var(--ease), visibility 0.25s;
    z-index: 1000;
    border: 1px solid var(--gray-100);
}

.dropdown-menu a {
    display: block;
    padding: 0.7rem 1.5rem;
    color: var(--gray-700);
    text-decoration: none;
    transition: background 0.2s var(--ease), color 0.2s var(--ease), padding-left 0.2s var(--ease);
    position: relative;
}

.dropdown-menu a::before {
    content: '';
    position: absolute;
    left: 0;
    top: 50%;
    transform: translateY(-50%) scaleY(0);
    width: 3px;
    height: 60%;
    background: var(--primary);
    transition: transform 0.25s var(--ease);
    border-radius: 0 3px 3px 0;
}

.dropdown-menu a:hover {
    background: var(--gray-100);
    color: var(--primary);
    padding-left: 1.8rem;
}

.dropdown-menu a:hover::before { transform: translateY(-50%) scaleY(1); }

.dropdown:hover .dropdown-menu,
.dropdown:focus-within .dropdown-menu {
    opacity: 1;
    visibility: visible;
    transform: translateY(0);
}

.nav-actions { display: flex; align-items: center; gap: 1rem; }
.auth-section { display: flex; gap: 0.6rem; }

.mobile-menu-btn {
    display: none;
    flex-direction: column;
    gap: 4px;
    background: none;
    border: none;
    cursor: pointer;
    padding: 0.5rem;
}

.mobile-menu-btn span {
    width: 22px;
    height: 2px;
    background: var(--dark);
    transition: var(--transition);
    border-radius: 2px;
}

/* ============================================================
   Mobile Menu
   ============================================================ */
.mobile-menu {
    position: fixed;
    top: 0;
    left: -100%;
    width: 100%;
    height: 100%;
    background: white;
    z-index: 2000;
    transition: left 0.35s var(--ease);
    overflow-y: auto;
}

.mobile-menu.active { left: 0; }
.mobile-menu-content { padding: 2rem; }

.mobile-auth {
    display: flex;
    gap: 1rem;
    margin-bottom: 2rem;
}

.mobile-nav { display: flex; flex-direction: column; }

.mobile-nav-item {
    padding: 1rem 0;
    border-bottom: 1px solid var(--gray-200);
    display: flex;
    justify-content: space-between;
    align-items: center;
    color: var(--gray-700);
    text-decoration: none;
    font-weight: 500;
    cursor: pointer;
    transition: color 0.2s var(--ease), padding-left 0.2s var(--ease);
}

.mobile-nav-item:hover { color: var(--primary); padding-left: 0.5rem; }
.mobile-nav-item i { transition: transform 0.3s var(--ease); }
.mobile-nav-item.open i { transform: rotate(180deg); color: var(--primary); }

.mobile-submenu {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.35s var(--ease);
    background: var(--gray-100);
    border-radius: var(--radius);
    margin: 0.5rem 0;
}

.mobile-submenu.active { max-height: 320px; }

.mobile-submenu a {
    display: block;
    padding: 0.75rem 1.5rem;
    color: var(--gray-700);
    text-decoration: none;
    border-bottom: 1px solid var(--gray-200);
    transition: background 0.2s var(--ease), color 0.2s var(--ease);
}

.mobile-submenu a:hover { background: white; color: var(--primary); }
.mobile-submenu a:last-child { border-bottom: none; }

/* ============================================================
   Hero
   ============================================================ */
.hero {
    min-height: 100vh;
    display: flex;
    align-items: center;
    position: relative;
    background: linear-gradient(135deg, var(--darker) 0%, var(--dark) 55%, #1e3a8a 100%);
    background-size: 200% 200%;
    animation: gradientShift 14s ease infinite;
    color: white;
    margin-top: 120px;
    overflow: hidden;
}

.hero-background { position: absolute; inset: 0; overflow: hidden; }
.hero-particles { position: absolute; inset: 0; }

.hero-content {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 4rem;
    align-items: center;
    position: relative;
    z-index: 2;
}

.hero-badge {
    display: inline-flex;
    align-items: center;
    gap: 0.5rem;
    background: rgba(255, 255, 255, 0.1);
    padding: 0.5rem 1rem;
    border-radius: 2rem;
    margin-bottom: 2rem;
    backdrop-filter: blur(10px);
    border: 1px solid rgba(255, 255, 255, 0.2);
    animation: floatBadge 4s ease-in-out infinite;
}

@keyframes floatBadge {
    0%, 100% { transform: translateY(0); }
    50% { transform: translateY(-6px); }
}

.hero h1 {
    font-size: 3.5rem;
    margin-bottom: 1.5rem;
    background: linear-gradient(135deg, #ffffff, #a5b4fc, #ffffff);
    background-size: 200% 200%;
    animation: gradientShift 6s ease infinite;
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
}

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

.hero-stats { display: flex; gap: 2rem; margin: 2rem 0; }
.stat { text-align: center; }

.stat-number {
    font-size: 2rem;
    font-weight: 700;
    background: linear-gradient(135deg, var(--accent), var(--primary-light));
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
    transition: transform 0.3s var(--ease-spring);
}

.stat:hover .stat-number { transform: scale(1.08); }
.stat-label { font-size: 0.875rem; color: rgba(255, 255, 255, 0.7); }

.hero-actions { display: flex; gap: 1rem; margin-top: 2rem; }
.app-preview { display: flex; justify-content: center; }

.phone-mockup {
    position: relative;
    width: 300px;
    height: 600px;
    background: var(--gray-900);
    border-radius: 40px;
    padding: 1rem;
    box-shadow: var(--shadow-xl);
    border: 8px solid var(--gray-800);
    transition: transform 0.6s var(--ease-spring), box-shadow 0.6s var(--ease);
    animation: phoneFloat 5s ease-in-out infinite;
}

@keyframes phoneFloat {
    0%, 100% { transform: translateY(0) rotate(0deg); }
    50% { transform: translateY(-12px) rotate(-1deg); }
}

.phone-mockup:hover {
    animation-play-state: paused;
    transform: translateY(-10px) rotate(1deg) scale(1.02);
    box-shadow: 0 30px 60px -10px rgba(6, 214, 160, 0.35);
}

.phone-screen {
    width: 100%;
    height: 100%;
    background: linear-gradient(135deg, #1e293b, #0f172a);
    border-radius: 32px;
    padding: 1.5rem;
    display: flex;
    flex-direction: column;
}

.app-interface { flex: 1; display: flex; flex-direction: column; gap: 2rem; }
.balance span { color: var(--gray-400); font-size: 0.875rem; }
.balance h3 { color: white; font-size: 2rem; margin: 0.5rem 0 0 0; }
.quick-actions { display: flex; justify-content: space-between; gap: 1rem; }

.app-btn {
    flex: 1;
    background: rgba(255, 255, 255, 0.1);
    border: none;
    border-radius: var(--radius);
    padding: 1rem;
    color: white;
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 0.5rem;
    cursor: pointer;
    transition: var(--transition);
    backdrop-filter: blur(10px);
}

.app-btn:hover {
    background: rgba(255, 255, 255, 0.2);
    transform: translateY(-3px);
    box-shadow: 0 8px 20px -8px rgba(6, 214, 160, 0.6);
}

.app-btn:hover i { transform: scale(1.15) rotate(-6deg); }
.app-btn i { font-size: 1.5rem; transition: transform 0.3s var(--ease-spring); }

/* ============================================================
   Trust Bar
   ============================================================ */
.trust-bar { background: var(--gray-100); padding: 2rem 0; }

.trust-content {
    display: flex;
    justify-content: space-around;
    align-items: center;
    flex-wrap: wrap;
    gap: 2rem;
}

.trust-item {
    display: flex;
    align-items: center;
    gap: 0.75rem;
    color: var(--gray-700);
    font-weight: 500;
    transition: transform 0.3s var(--ease), color 0.3s var(--ease);
}

.trust-item:hover { transform: translateY(-3px); color: var(--primary); }
.trust-item:hover i { transform: rotate(360deg) scale(1.15); }

.trust-item i {
    color: var(--primary);
    font-size: 1.25rem;
    transition: transform 0.6s var(--ease-spring);
}

/* ============================================================
   Sections
   ============================================================ */
section { padding: 5rem 0; }

.section-header { text-align: center; margin-bottom: 3rem; }
.section-header h2 { margin-bottom: 1rem; position: relative; display: inline-block; }

.section-header h2::after {
    content: '';
    position: absolute;
    bottom: -8px;
    left: 50%;
    transform: translateX(-50%) scaleX(0);
    width: 70px;
    height: 3px;
    border-radius: 2px;
    background: linear-gradient(90deg, var(--primary), var(--accent));
    transition: transform 0.6s var(--ease);
}

.section-header.animate-in h2::after,
[data-animate].animate-in .section-header h2::after { transform: translateX(-50%) scaleX(1); }

/* ============================================================
   Features
   ============================================================ */
.features-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: 2rem;
}

.feature-card {
    background: white;
    padding: 2rem;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow);
    transition: transform 0.4s var(--ease), box-shadow 0.4s var(--ease), border-color 0.4s var(--ease);
    text-align: center;
    border: 1px solid var(--gray-200);
    position: relative;
    overflow: hidden;
}

.feature-card::before {
    content: '';
    position: absolute;
    inset: 0;
    background: linear-gradient(135deg, rgba(37, 99, 235, 0.04), rgba(6, 214, 160, 0.06));
    opacity: 0;
    transition: opacity 0.4s var(--ease);
    pointer-events: none;
}

.feature-card:hover {
    transform: translateY(-8px);
    box-shadow: 0 25px 40px -20px rgba(37, 99, 235, 0.4);
    border-color: var(--primary-light);
}

.feature-card:hover::before { opacity: 1; }

.feature-icon {
    width: 80px;
    height: 80px;
    background: linear-gradient(135deg, var(--primary), var(--accent));
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 1.5rem;
    color: white;
    font-size: 2rem;
    transition: transform 0.5s var(--ease-spring), box-shadow 0.5s var(--ease);
    position: relative;
    z-index: 1;
}

.feature-card:hover .feature-icon {
    transform: scale(1.1) rotate(-8deg);
    box-shadow: 0 12px 24px -8px rgba(6, 214, 160, 0.7);
}

.feature-badge {
    display: inline-block;
    background: var(--gray-100);
    color: var(--gray-700);
    padding: 0.5rem 1rem;
    border-radius: 2rem;
    font-size: 0.875rem;
    font-weight: 500;
    margin-top: 1rem;
    transition: background 0.3s var(--ease), color 0.3s var(--ease);
}

.feature-card:hover .feature-badge { background: var(--primary); color: white; }

/* ============================================================
   Page Sections / Products
   ============================================================ */
.page-section { padding: 5rem 0; position: relative; }
.page-section.alternate-bg { background: var(--gray-100); }

.products-comparison {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
    gap: 2rem;
    margin-bottom: 4rem;
}

.product-card {
    background: white;
    border-radius: var(--radius-lg);
    padding: 2rem;
    box-shadow: var(--shadow);
    transition: transform 0.4s var(--ease), box-shadow 0.4s var(--ease);
    border: 1px solid var(--gray-200);
    position: relative;
}

.product-card.featured {
    transform: scale(1.05);
    border-color: var(--primary);
    box-shadow: var(--shadow-lg);
}

.product-card:hover {
    transform: translateY(-8px);
    box-shadow: 0 30px 45px -22px rgba(37, 99, 235, 0.45);
}

.product-card.featured:hover { transform: scale(1.05) translateY(-8px); }

.product-badge {
    position: absolute;
    top: -10px;
    right: 2rem;
    background: linear-gradient(135deg, var(--accent), var(--success));
    color: white;
    padding: 0.5rem 1rem;
    border-radius: 2rem;
    font-size: 0.75rem;
    font-weight: 600;
    box-shadow: var(--shadow);
    animation: badgePulse 2.4s ease-in-out infinite;
}

@keyframes badgePulse {
    0%, 100% { box-shadow: 0 0 0 0 rgba(6, 214, 160, 0.55); }
    50% { box-shadow: 0 0 0 10px rgba(6, 214, 160, 0); }
}

.product-header {
    text-align: center;
    margin-bottom: 2rem;
    padding-bottom: 1.5rem;
    border-bottom: 1px solid var(--gray-200);
}

.product-icon {
    width: 80px;
    height: 80px;
    background: linear-gradient(135deg, var(--primary), var(--accent));
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 1rem;
    color: white;
    font-size: 2rem;
    transition: transform 0.5s var(--ease-spring);
}

.product-card:hover .product-icon { transform: rotate(8deg) scale(1.08); }
.interest-rate { font-size: 2rem; font-weight: 700; color: var(--primary); margin-top: 0.5rem; }
.product-features { margin-bottom: 2rem; }
.product-features ul { list-style: none; }

.product-features li {
    display: flex;
    align-items: center;
    gap: 0.75rem;
    margin-bottom: 0.75rem;
    color: var(--gray-700);
    transition: transform 0.25s var(--ease), color 0.25s var(--ease);
}

.product-features li:hover { transform: translateX(4px); color: var(--dark); }
.product-features li i { color: var(--success); font-size: 0.875rem; }
.product-actions { display: flex; flex-direction: column; gap: 1rem; }

.link {
    color: var(--primary);
    text-decoration: none;
    font-weight: 500;
    text-align: center;
    transition: color 0.25s var(--ease);
    position: relative;
}

.link::after {
    content: '';
    position: absolute;
    bottom: -3px;
    left: 50%;
    width: 0;
    height: 1.5px;
    background: var(--primary);
    transition: width 0.3s var(--ease), left 0.3s var(--ease);
}

.link:hover::after { width: 100%; left: 0; }
.link:hover { color: var(--primary-dark); }

.section-cta {
    text-align: center;
    padding: 3rem 2rem;
    background: linear-gradient(135deg, var(--primary-light), var(--primary));
    background-size: 200% 200%;
    animation: gradientShift 8s ease infinite;
    border-radius: var(--radius-lg);
    color: white;
}

.section-cta h3 { margin-bottom: 1rem; color: white; }
.section-cta p { color: rgba(255, 255, 255, 0.9); margin-bottom: 2rem; }
.section-cta .btn-primary { background: white; color: var(--primary); }

/* ============================================================
   Mortgage Cards
   ============================================================ */
.mortgage-cards {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
    gap: 2rem;
    margin-bottom: 4rem;
}

.mortgage-card {
    background: white;
    border-radius: var(--radius-lg);
    padding: 2rem;
    box-shadow: var(--shadow);
    transition: transform 0.4s var(--ease), box-shadow 0.4s var(--ease);
    border: 1px solid var(--gray-200);
    position: relative;
}

.mortgage-card.featured {
    transform: scale(1.05);
    border-color: var(--primary);
    box-shadow: var(--shadow-lg);
}

.mortgage-card:hover {
    transform: translateY(-8px);
    box-shadow: 0 30px 45px -22px rgba(37, 99, 235, 0.45);
}

.mortgage-card.featured:hover { transform: scale(1.05) translateY(-8px); }

.card-badge {
    position: absolute;
    top: -10px;
    left: 50%;
    transform: translateX(-50%);
    background: linear-gradient(135deg, var(--warning), var(--accent));
    color: white;
    padding: 0.5rem 1.5rem;
    border-radius: 2rem;
    font-size: 0.75rem;
    font-weight: 600;
    box-shadow: var(--shadow);
    animation: badgePulse 2.4s ease-in-out infinite;
}

.card-header {
    text-align: center;
    margin-bottom: 1.5rem;
    padding-bottom: 1.5rem;
    border-bottom: 1px solid var(--gray-200);
}

.card-icon {
    width: 70px;
    height: 70px;
    background: linear-gradient(135deg, var(--primary), var(--accent));
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 1rem;
    color: white;
    font-size: 1.75rem;
    transition: transform 0.5s var(--ease-spring);
}

.mortgage-card:hover .card-icon { transform: rotate(-8deg) scale(1.08); }

.rate-badge {
    display: inline-block;
    background: var(--gray-100);
    color: var(--primary);
    padding: 0.5rem 1rem;
    border-radius: 2rem;
    font-size: 1.25rem;
    font-weight: 700;
    margin-top: 0.5rem;
    transition: background 0.3s var(--ease), color 0.3s var(--ease);
}

.mortgage-card:hover .rate-badge { background: var(--primary); color: white; }
.card-content p { margin-bottom: 1.5rem; color: var(--gray-600); }
.card-content ul { list-style: none; margin-bottom: 2rem; }

.card-content li {
    display: flex;
    align-items: center;
    gap: 0.75rem;
    margin-bottom: 0.75rem;
    color: var(--gray-700);
    transition: transform 0.25s var(--ease);
}

.card-content li:hover { transform: translateX(4px); }
.card-content li i { color: var(--success); font-size: 0.875rem; }
.card-actions { text-align: center; }

/* ============================================================
   Shared Preview Boxes
   ============================================================ */
.mortgage-calculator-preview,
.insurance-benefits,
.investment-platform {
    background: white;
    border-radius: var(--radius-lg);
    padding: 3rem;
    box-shadow: var(--shadow);
    text-align: center;
    border: 1px solid var(--gray-200);
    transition: box-shadow 0.4s var(--ease);
}

.mortgage-calculator-preview:hover,
.insurance-benefits:hover,
.investment-platform:hover { box-shadow: var(--shadow-lg); }

.calculator-content h3,
.platform-content h3 { margin-bottom: 1rem; color: var(--dark); }
.calculator-content p,
.platform-content p { color: var(--gray-600); margin-bottom: 2rem; }

/* ============================================================
   Business
   ============================================================ */
.business-solutions {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
    gap: 2rem;
    margin-bottom: 4rem;
}

.solution-card {
    background: white;
    border-radius: var(--radius-lg);
    padding: 2.5rem;
    box-shadow: var(--shadow);
    transition: transform 0.4s var(--ease), box-shadow 0.4s var(--ease);
    border: 1px solid var(--gray-200);
    text-align: center;
}

.solution-card:hover {
    transform: translateY(-8px);
    box-shadow: 0 30px 45px -22px rgba(37, 99, 235, 0.45);
}

.solution-icon {
    width: 80px;
    height: 80px;
    background: linear-gradient(135deg, var(--primary), var(--accent));
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 1.5rem;
    color: white;
    font-size: 2rem;
    transition: transform 0.5s var(--ease-spring);
}

.solution-card:hover .solution-icon { transform: rotate(8deg) scale(1.1); }
.solution-card h3 { margin-bottom: 1rem; color: var(--dark); }
.solution-card > p { color: var(--gray-600); margin-bottom: 2rem; }
.solution-card ul { list-style: none; margin-bottom: 2rem; text-align: left; }

.solution-card li {
    padding: 0.5rem 0;
    color: var(--gray-700);
    border-bottom: 1px solid var(--gray-100);
    transition: padding-left 0.25s var(--ease), color 0.25s var(--ease);
}

.solution-card li:hover { padding-left: 0.5rem; color: var(--primary); }
.solution-card li:last-child { border-bottom: none; }

.business-features {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 2rem;
}

.feature {
    text-align: center;
    padding: 2rem;
    background: white;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow);
    transition: transform 0.35s var(--ease), box-shadow 0.35s var(--ease);
    border: 1px solid var(--gray-200);
}

.feature:hover {
    transform: translateY(-6px);
    box-shadow: var(--shadow-lg);
    border-color: var(--primary-light);
}

.feature i {
    font-size: 3rem;
    color: var(--primary);
    margin-bottom: 1rem;
    display: inline-block;
    transition: transform 0.5s var(--ease-spring);
}

.feature:hover i { transform: scale(1.15) rotate(-6deg); color: var(--accent); }
.feature h4 { margin-bottom: 0.5rem; color: var(--dark); }
.feature p { color: var(--gray-600); margin-bottom: 0; }

/* ============================================================
   Insurance
   ============================================================ */
.insurance-products {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
    gap: 2rem;
    margin-bottom: 4rem;
}

.insurance-card {
    background: white;
    border-radius: var(--radius-lg);
    padding: 2.5rem;
    box-shadow: var(--shadow);
    transition: transform 0.4s var(--ease), box-shadow 0.4s var(--ease);
    border: 1px solid var(--gray-200);
    text-align: center;
}

.insurance-card:hover {
    transform: translateY(-8px);
    box-shadow: 0 30px 45px -22px rgba(37, 99, 235, 0.45);
}

.insurance-icon {
    width: 80px;
    height: 80px;
    background: linear-gradient(135deg, var(--primary), var(--accent));
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 1.5rem;
    color: white;
    font-size: 2rem;
    transition: transform 0.5s var(--ease-spring);
}

.insurance-card:hover .insurance-icon { transform: rotate(-8deg) scale(1.1); }
.insurance-card h3 { margin-bottom: 1rem; color: var(--dark); }
.insurance-card > p { color: var(--gray-600); margin-bottom: 2rem; }
.coverage-list { margin-bottom: 2rem; }

.coverage-item {
    display: flex;
    align-items: center;
    gap: 0.75rem;
    padding: 0.75rem 0;
    border-bottom: 1px solid var(--gray-100);
    transition: padding-left 0.25s var(--ease);
}

.coverage-item:hover { padding-left: 0.5rem; }
.coverage-item:last-child { border-bottom: none; }
.coverage-item i { color: var(--success); font-size: 0.875rem; }
.coverage-item span { color: var(--gray-700); }

.insurance-benefits h3 { margin-bottom: 2rem; color: var(--dark); }

.benefits-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
    gap: 2rem;
}

.benefit {
    text-align: center;
    padding: 1.5rem;
    border-radius: var(--radius-lg);
    transition: background 0.3s var(--ease), transform 0.3s var(--ease);
}

.benefit:hover { background: var(--gray-100); transform: translateY(-4px); }

.benefit i {
    font-size: 2.5rem;
    color: var(--primary);
    margin-bottom: 1rem;
    display: inline-block;
    transition: transform 0.5s var(--ease-spring);
}

.benefit:hover i { transform: scale(1.15); color: var(--accent); }
.benefit h4 { margin-bottom: 0.5rem; color: var(--dark); }
.benefit p { color: var(--gray-600); margin-bottom: 0; }

/* ============================================================
   Investments
   ============================================================ */
.investment-options {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
    gap: 2rem;
    margin-bottom: 4rem;
}

.investment-card {
    background: white;
    border-radius: var(--radius-lg);
    padding: 2.5rem;
    box-shadow: var(--shadow);
    transition: transform 0.4s var(--ease), box-shadow 0.4s var(--ease);
    border: 1px solid var(--gray-200);
}

.investment-card:hover {
    transform: translateY(-8px);
    box-shadow: 0 30px 45px -22px rgba(37, 99, 235, 0.45);
}

.investment-header {
    display: flex;
    align-items: center;
    gap: 1rem;
    margin-bottom: 1.5rem;
    padding-bottom: 1.5rem;
    border-bottom: 1px solid var(--gray-200);
}

.investment-icon {
    width: 70px;
    height: 70px;
    background: linear-gradient(135deg, var(--primary), var(--accent));
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: white;
    font-size: 1.75rem;
    flex-shrink: 0;
    transition: transform 0.5s var(--ease-spring);
}

.investment-card:hover .investment-icon { transform: rotate(8deg) scale(1.08); }
.investment-header h3 { margin-bottom: 0.5rem; color: var(--dark); }
.return-rate { color: var(--success); font-weight: 600; font-size: 0.875rem; }
.investment-details p { color: var(--gray-600); margin-bottom: 1.5rem; }
.investment-details ul { list-style: none; margin-bottom: 2rem; }

.investment-details li {
    display: flex;
    align-items: center;
    gap: 0.75rem;
    margin-bottom: 0.75rem;
    color: var(--gray-700);
    transition: transform 0.25s var(--ease);
}

.investment-details li:hover { transform: translateX(4px); }
.investment-details li i { color: var(--success); font-size: 0.875rem; }
.investment-actions { text-align: center; }

.platform-features {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
    gap: 1.5rem;
    margin-bottom: 2rem;
}

.platform-feature {
    display: flex;
    align-items: center;
    gap: 0.75rem;
    justify-content: center;
    color: var(--gray-700);
    padding: 0.75rem;
    border-radius: var(--radius);
    transition: background 0.25s var(--ease), transform 0.25s var(--ease);
}

.platform-feature:hover { background: var(--gray-100); transform: translateY(-2px); }
.platform-feature i { color: var(--primary); font-size: 1.25rem; }

/* ============================================================
   App Showcase
   ============================================================ */
.app-showcase {
    background: linear-gradient(135deg, var(--darker), var(--dark));
    color: white;
    position: relative;
    overflow: hidden;
}

.showcase-content {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 4rem;
    align-items: center;
}

.showcase-text h2 {
    margin-bottom: 1rem;
    background: linear-gradient(135deg, #ffffff, #a5b4fc);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
}

.showcase-text p { color: rgba(255, 255, 255, 0.8); margin-bottom: 2rem; }

.app-features-list {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 1rem;
    margin-bottom: 2rem;
}

.app-feature {
    display: flex;
    align-items: center;
    gap: 0.75rem;
    color: rgba(255, 255, 255, 0.9);
    transition: transform 0.3s var(--ease), color 0.3s var(--ease);
}

.app-feature:hover { transform: translateX(5px); color: white; }
.app-feature i { color: var(--accent); }
.download-buttons { display: flex; gap: 1rem; }

.download-btn {
    flex: 1;
    background: rgba(255, 255, 255, 0.1);
    border: 1px solid rgba(255, 255, 255, 0.2);
    border-radius: var(--radius);
    padding: 1rem;
    color: white;
    display: flex;
    align-items: center;
    gap: 1rem;
    cursor: pointer;
    transition: var(--transition);
    backdrop-filter: blur(10px);
}

.download-btn:hover {
    background: rgba(255, 255, 255, 0.2);
    transform: translateY(-3px);
    box-shadow: 0 12px 24px -10px rgba(6, 214, 160, 0.5);
}

.download-btn div { display: flex; flex-direction: column; align-items: flex-start; }
.download-btn span { font-size: 0.75rem; }
.download-btn strong { font-size: 1rem; }

.floating-phone {
    display: flex;
    justify-content: center;
    animation: float 4s ease-in-out infinite;
}

.floating-phone img { width: 90%; }

@keyframes float {
    0%, 100% { transform: translateY(0); }
    50% { transform: translateY(-20px); }
}

/* ============================================================
   Testimonials
   ============================================================ */
.testimonials-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
    gap: 2rem;
}

.testimonial-card {
    background: white;
    padding: 2rem;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow);
    border: 1px solid var(--gray-200);
    transition: transform 0.4s var(--ease), box-shadow 0.4s var(--ease);
}

.testimonial-card:hover {
    transform: translateY(-8px);
    box-shadow: 0 25px 40px -20px rgba(37, 99, 235, 0.35);
}

.testimonial-header {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 1rem;
}

.avatar {
    width: 50px;
    height: 50px;
    background: linear-gradient(135deg, var(--primary), var(--accent));
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: white;
    font-weight: 600;
    transition: transform 0.4s var(--ease-spring);
}

.testimonial-card:hover .avatar { transform: scale(1.1) rotate(-6deg); }
.avatar img { width: 50px; height: 50px; border-radius: 50%; object-fit: cover; }
.rating { color: var(--warning); }
.rating i { transition: transform 0.3s var(--ease-spring); }
.testimonial-card:hover .rating i { transform: scale(1.15); }
.author { color: var(--gray-600); font-weight: 500; margin-top: 1rem; }

/* ============================================================
   CTA
   ============================================================ */
.cta-section {
    background: linear-gradient(135deg, var(--primary), var(--primary-dark));
    background-size: 200% 200%;
    animation: gradientShift 10s ease infinite;
    color: white;
    text-align: center;
}

.cta-content h2 { margin-bottom: 1rem; }
.cta-content p { color: rgba(255, 255, 255, 0.85); margin-bottom: 2rem; }
.cta-actions { display: flex; gap: 1rem; justify-content: center; flex-wrap: wrap; }

/* ============================================================
   Footer
   ============================================================ */
.footer { background: var(--darker); color: white; padding: 3rem 0 1rem; }

.footer-content {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
    gap: 2rem;
    margin-bottom: 2rem;
}

.footer-logo {
    display: flex;
    align-items: center;
    gap: 0.75rem;
    margin-bottom: 1rem;
    font-weight: 700;
    font-size: 1.25rem;
}

.footer p { color: var(--gray-400); margin-bottom: 1.5rem; }
.social-links { display: flex; gap: 1rem; }

.social-links a {
    width: 40px;
    height: 40px;
    background: rgba(255, 255, 255, 0.1);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: white;
    text-decoration: none;
    transition: var(--transition);
}

.social-links a:hover {
    background: var(--primary);
    transform: translateY(-3px) rotate(8deg);
    box-shadow: 0 10px 20px -8px rgba(37, 99, 235, 0.6);
}

.footer-section h4 { color: white; margin-bottom: 1rem; }
.footer-section ul { list-style: none; }
.footer-section li { margin-bottom: 0.5rem; }

.footer-section a {
    color: var(--gray-400);
    text-decoration: none;
    transition: color 0.25s var(--ease), padding-left 0.25s var(--ease);
    position: relative;
    display: inline-block;
}

.footer-section a:hover { color: white; padding-left: 6px; }

.footer-section a::before {
    content: '›';
    position: absolute;
    left: -8px;
    opacity: 0;
    color: var(--accent);
    transition: opacity 0.25s var(--ease), left 0.25s var(--ease);
}

.footer-section a:hover::before { opacity: 1; left: -4px; }

.footer-bottom {
    border-top: 1px solid var(--gray-800);
    padding-top: 2rem;
    text-align: center;
    color: var(--gray-400);
    font-size: 0.875rem;
}

.footer-bottom p { margin-bottom: 0.5rem; }

/* ============================================================
   Modals
   ============================================================ */
.modal {
    position: fixed;
    inset: 0;
    background: rgba(15, 23, 42, 0.55);
    display: flex;
    align-items: center;
    justify-content: center;
    z-index: 3000;
    opacity: 0;
    visibility: hidden;
    transition: opacity 0.3s var(--ease), visibility 0.3s;
    backdrop-filter: blur(6px);
    padding: 1rem;
}

.modal.active { opacity: 1; visibility: visible; }

.modal-content {
    background: white;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-xl);
    max-width: 500px;
    width: 100%;
    max-height: 92vh;
    overflow-y: auto;
    position: relative;
    transform: scale(0.92) translateY(10px);
    opacity: 0;
    transition: transform 0.4s var(--ease-spring), opacity 0.3s var(--ease);
}

.modal.active .modal-content { transform: scale(1) translateY(0); opacity: 1; }

.modal-close {
    position: absolute;
    top: 1rem;
    right: 1rem;
    background: none;
    border: none;
    font-size: 1.5rem;
    color: var(--gray-500);
    cursor: pointer;
    z-index: 1;
    width: 34px;
    height: 34px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    transition: background 0.25s var(--ease), color 0.25s var(--ease), transform 0.25s var(--ease);
}

.modal-close:hover {
    background: var(--gray-100);
    color: var(--error);
    transform: rotate(90deg);
}

.auth-modal { max-width: 440px; }

.auth-tabs { display: flex; border-bottom: 1px solid var(--gray-200); }

.auth-tab {
    flex: 1;
    padding: 1.5rem;
    background: none;
    border: none;
    font-weight: 600;
    color: var(--gray-500);
    cursor: pointer;
    transition: color 0.3s var(--ease);
    border-bottom: 3px solid transparent;
    position: relative;
}

.auth-tab::after {
    content: '';
    position: absolute;
    bottom: -1px;
    left: 50%;
    transform: translateX(-50%) scaleX(0);
    width: 60%;
    height: 3px;
    background: var(--primary);
    border-radius: 3px 3px 0 0;
    transition: transform 0.35s var(--ease);
}

.auth-tab.active { color: var(--primary); }
.auth-tab.active::after { transform: translateX(-50%) scaleX(1); }

.auth-content { padding: 2rem; }
.auth-panel { display: none; animation: panelFade 0.35s var(--ease); }
.auth-panel.active { display: block; }

@keyframes panelFade {
    from { opacity: 0; transform: translateY(8px); }
    to { opacity: 1; transform: translateY(0); }
}

.auth-panel h3 { text-align: center; margin-bottom: 0.5rem; }

.auth-subtitle {
    text-align: center;
    color: var(--gray-500);
    font-size: 0.85rem;
    margin-bottom: 1.5rem;
}

.auth-form { display: flex; flex-direction: column; gap: 1.25rem; }
.form-group { display: flex; flex-direction: column; }

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

.form-row.three { grid-template-columns: 1fr 1fr 1fr; }

.form-group label {
    margin-bottom: 0.5rem;
    font-weight: 500;
    color: var(--gray-700);
    font-size: 0.8rem;
}

.form-group input,
.form-group select {
    padding: 0.75rem;
    border: 2px solid var(--gray-200);
    border-radius: var(--radius);
    font-size: 0.9rem;
    transition: border-color 0.25s var(--ease), box-shadow 0.25s var(--ease), transform 0.25s var(--ease);
    width: 100%;
    font-family: inherit;
    background: white;
}

.form-group input:focus,
.form-group select:focus {
    outline: none;
    border-color: var(--primary);
    box-shadow: 0 0 0 3px rgba(37, 99, 235, 0.15);
    transform: translateY(-1px);
}

.input-wrap { position: relative; display: flex; align-items: center; }

.input-wrap > i:first-child {
    position: absolute;
    left: 0.85rem;
    color: var(--gray-400);
    font-size: 0.9rem;
    pointer-events: none;
    transition: color 0.25s var(--ease);
}

.input-wrap input,
.input-wrap select { padding-left: 2.5rem !important; }

.input-wrap:focus-within > i:first-child { color: var(--primary); }

.toggle-password {
    position: absolute;
    right: 0.6rem;
    background: none;
    border: none;
    color: var(--gray-400);
    cursor: pointer;
    padding: 0.4rem;
    border-radius: 50%;
    transition: color 0.2s var(--ease), background 0.2s var(--ease);
}

.toggle-password:hover { color: var(--primary); background: var(--gray-100); }

.form-options { display: flex; justify-content: space-between; align-items: center; }

.checkbox {
    display: flex;
    align-items: center;
    gap: 0.5rem;
    cursor: pointer;
    font-size: 0.85rem;
}

.checkbox input { display: none; }

.checkmark {
    width: 18px;
    height: 18px;
    border: 2px solid var(--gray-300);
    border-radius: 3px;
    display: flex;
    align-items: center;
    justify-content: center;
    transition: var(--transition);
    flex-shrink: 0;
}

.checkbox:hover .checkmark { border-color: var(--primary); }

.checkbox input:checked + .checkmark {
    background: var(--primary);
    border-color: var(--primary);
    animation: checkPop 0.35s var(--ease-spring);
}

@keyframes checkPop {
    0% { transform: scale(0.8); }
    60% { transform: scale(1.15); }
    100% { transform: scale(1); }
}

.checkbox input:checked + .checkmark::after {
    content: '✓';
    color: white;
    font-size: 12px;
}

.forgot-password {
    color: var(--primary);
    text-decoration: none;
    font-size: 0.85rem;
    transition: color 0.25s var(--ease);
}

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

.auth-divider { text-align: center; margin: 1.75rem 0; position: relative; }

.auth-divider::before {
    content: '';
    position: absolute;
    top: 50%;
    left: 0;
    right: 0;
    height: 1px;
    background: var(--gray-200);
}

.auth-divider span {
    background: white;
    padding: 0 1rem;
    color: var(--gray-500);
    font-size: 0.85rem;
}

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

.social-btn {
    flex: 1;
    padding: 0.75rem;
    border: 2px solid var(--gray-200);
    border-radius: var(--radius);
    background: none;
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 0.5rem;
    cursor: pointer;
    transition: var(--transition);
    font-weight: 500;
    color: var(--gray-700);
}

.social-btn:hover {
    border-color: var(--primary);
    color: var(--primary);
    transform: translateY(-2px);
    box-shadow: 0 8px 16px -8px rgba(37, 99, 235, 0.4);
}

.btn-auth { margin-top: 0.5rem; position: relative; transition: transform 0.3s var(--ease), box-shadow 0.3s var(--ease); }
.btn-auth i { transition: transform 0.3s var(--ease); }
.btn-auth:hover i { transform: translateX(4px); }

.demo-hint {
    display: flex;
    gap: 0.75rem;
    align-items: flex-start;
    padding: 0.85rem 1rem;
    background: linear-gradient(135deg, rgba(37, 99, 235, 0.06), rgba(6, 214, 160, 0.06));
    border: 1px dashed var(--primary-light);
    border-radius: var(--radius);
    font-size: 0.75rem;
    color: var(--gray-600);
    margin-top: 1rem;
}

.demo-hint i { color: var(--primary); margin-top: 2px; }
.demo-hint div { display: flex; flex-direction: column; gap: 0.2rem; }
.demo-hint strong { color: var(--dark); font-size: 0.78rem; }

.demo-hint code {
    background: var(--gray-100);
    padding: 0.1rem 0.4rem;
    border-radius: 4px;
    color: var(--primary-dark);
    font-family: 'Courier New', monospace;
}

.signup-progress {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 0.4rem;
    margin-bottom: 1.5rem;
    padding: 0 0.5rem;
}

.signup-step-dot {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 0.35rem;
    flex-shrink: 0;
}

.signup-step-dot span {
    width: 28px;
    height: 28px;
    border-radius: 50%;
    background: var(--gray-200);
    color: var(--gray-500);
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 600;
    font-size: 0.75rem;
    transition: all 0.35s var(--ease-spring);
}

.signup-step-dot label {
    font-size: 0.62rem;
    color: var(--gray-500);
    font-weight: 500;
    transition: color 0.3s var(--ease);
}

.signup-step-dot.active span {
    background: linear-gradient(135deg, var(--primary), var(--accent));
    color: white;
    transform: scale(1.15);
    box-shadow: 0 0 0 4px rgba(37, 99, 235, 0.15);
}

.signup-step-dot.active label { color: var(--primary); font-weight: 600; }

.signup-step-dot.completed span {
    background: var(--success);
    color: transparent;
    font-size: 0;
}

.signup-step-dot.completed span::before {
    content: '✓';
    color: white;
    font-size: 0.9rem;
}

.signup-step-line {
    flex: 1;
    height: 2px;
    background: var(--gray-200);
    border-radius: 2px;
    transition: background 0.35s var(--ease);
}

.signup-step-line.completed { background: linear-gradient(90deg, var(--primary), var(--accent)); }

.password-strength {
    display: flex;
    align-items: center;
    gap: 4px;
    margin-top: 0.5rem;
}

.password-strength .bar {
    flex: 1;
    height: 4px;
    background: var(--gray-200);
    border-radius: 2px;
    transition: background 0.3s var(--ease);
}

.password-strength small {
    font-size: 0.68rem;
    color: var(--gray-500);
    margin-left: 0.5rem;
    white-space: nowrap;
}

.password-strength[data-level="1"] .bar:nth-child(-n+1) { background: var(--error); }
.password-strength[data-level="2"] .bar:nth-child(-n+2) { background: var(--warning); }
.password-strength[data-level="3"] .bar:nth-child(-n+3) { background: #84cc16; }
.password-strength[data-level="4"] .bar { background: var(--success); }

.agreement {
    font-size: 0.75rem;
    line-height: 1.4;
    align-items: flex-start;
    gap: 0.6rem;
}

.agreement .checkmark { margin-top: 1px; }
.agreement a { color: var(--primary); text-decoration: none; }
.agreement a:hover { text-decoration: underline; }

.wizard-nav {
    display: flex;
    justify-content: space-between;
    gap: 0.75rem;
    margin-top: 1.5rem;
    padding-top: 1rem;
    border-top: 1px solid var(--gray-100);
}

.wizard-nav .btn { flex: 1; justify-content: center; }
.wizard-nav #prevStep { flex: 0 0 auto; }

.register-step { display: none; }
.register-step.active { display: block; animation: stepSlide 0.4s var(--ease); }
.register-step.reverse { animation: stepSlideBack 0.4s var(--ease); }

@keyframes stepSlide {
    from { opacity: 0; transform: translateX(30px); }
    to { opacity: 1; transform: translateX(0); }
}

@keyframes stepSlideBack {
    from { opacity: 0; transform: translateX(-30px); }
    to { opacity: 1; transform: translateX(0); }
}

.field-error input,
.field-error select {
    border-color: var(--error) !important;
    animation: fieldShake 0.4s var(--ease);
}

.field-error::after {
    content: attr(data-error);
    display: block;
    color: var(--error);
    font-size: 0.72rem;
    margin-top: 0.3rem;
}

@keyframes fieldShake {
    0%, 100% { transform: translateX(0); }
    25% { transform: translateX(-5px); }
    75% { transform: translateX(5px); }
}

.success-overlay {
    position: fixed;
    inset: 0;
    background: linear-gradient(135deg, var(--darker), var(--primary-dark));
    z-index: 10000;
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    gap: 1.5rem;
    color: white;
    opacity: 0;
    animation: successFade 0.5s var(--ease) forwards;
}

@keyframes successFade { to { opacity: 1; } }

.success-check {
    width: 100px;
    height: 100px;
    border-radius: 50%;
    background: linear-gradient(135deg, var(--accent), var(--success));
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 3rem;
    color: white;
    animation: checkPop 0.7s var(--ease-spring), pulseRing 1.6s 0.5s ease-out infinite;
}

@keyframes pulseRing {
    0% { box-shadow: 0 0 0 0 rgba(6, 214, 160, 0.7); }
    100% { box-shadow: 0 0 0 40px rgba(6, 214, 160, 0); }
}

.success-overlay h2 { margin: 0; color: white; }
.success-overlay p { color: rgba(255,255,255,0.8); margin: 0; }

.success-overlay .loader-bar {
    width: 220px;
    height: 4px;
    background: rgba(255,255,255,0.15);
    border-radius: 2px;
    overflow: hidden;
}

.success-overlay .loader-bar span {
    display: block;
    height: 100%;
    width: 0;
    background: linear-gradient(90deg, var(--accent), var(--primary-light));
    animation: fillBar 1.8s ease-in-out forwards;
}

@keyframes fillBar { to { width: 100%; } }

.modal-header {
    padding: 1.5rem;
    border-bottom: 1px solid var(--gray-200);
    display: flex;
    justify-content: space-between;
    align-items: center;
}

.modal-header h3 { margin-bottom: 0; }
.modal-body { padding: 1.5rem; }
.cookie-options { margin: 2rem 0; }

.cookie-option {
    margin-bottom: 1rem;
    padding: 1rem;
    border-radius: var(--radius);
    transition: background 0.25s var(--ease);
}

.cookie-option:hover { background: var(--gray-100); }
.checkbox.large { align-items: flex-start; gap: 1rem; font-size: 1rem; }

.checkbox.large > div {
    display: flex;
    flex-direction: column;
    gap: 0.25rem;
}

.checkbox.large strong { color: var(--dark); font-weight: 600; }
.checkbox.large span { color: var(--gray-600); font-size: 0.85rem; }

/* ============================================================
   Cookie Banner
   ============================================================ */
.cookie-consent {
    position: fixed;
    bottom: 2rem;
    left: 2rem;
    right: 2rem;
    background: white;
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-xl);
    z-index: 2000;
    transform: translateY(150%);
    transition: transform 0.55s var(--ease-spring);
    border: 1px solid var(--gray-200);
}

.cookie-consent.active { transform: translateY(0); }
.cookie-container { padding: 1.5rem; }
.cookie-content { display: flex; align-items: center; gap: 1rem; }

.cookie-icon {
    font-size: 2rem;
    color: var(--primary);
    animation: floatBadge 3s ease-in-out infinite;
}

.cookie-text { flex: 1; }
.cookie-text h3 { margin-bottom: 0.5rem; font-size: 1.25rem; }
.cookie-text p { margin-bottom: 0; color: var(--gray-600); }
.cookie-actions { display: flex; gap: 1rem; }

/* ============================================================
   Scroll to Top
   ============================================================ */
.scroll-top-btn {
    position: fixed;
    bottom: 2rem;
    right: 2rem;
    width: 50px;
    height: 50px;
    background: var(--primary);
    color: white;
    border: none;
    border-radius: 50%;
    cursor: pointer;
    opacity: 0;
    visibility: hidden;
    transform: translateY(20px) scale(0.8);
    transition: opacity 0.35s var(--ease), transform 0.35s var(--ease-spring), visibility 0.35s, background 0.25s var(--ease);
    z-index: 1000;
    box-shadow: var(--shadow-md);
}

.scroll-top-btn.active { opacity: 1; visibility: visible; transform: translateY(0) scale(1); }

.scroll-top-btn:hover {
    background: var(--primary-dark);
    transform: translateY(-4px) scale(1.06);
    box-shadow: 0 12px 24px -8px rgba(37, 99, 235, 0.7);
}

/* ============================================================
   Notifications
   ============================================================ */
.notification {
    position: fixed;
    top: 100px;
    right: 2rem;
    background: white;
    border-radius: var(--radius);
    box-shadow: var(--shadow-xl);
    z-index: 4000;
    transform: translateX(400px);
    transition: transform 0.4s var(--ease-spring);
    border-left: 4px solid;
    max-width: 360px;
}

.notification.active,
.notification.show { transform: translateX(0); }
.notification.success { border-left-color: var(--success); }
.notification.error { border-left-color: var(--error); }
.notification.warning { border-left-color: var(--warning); }
.notification.info { border-left-color: var(--primary); }

.notification-content {
    display: flex;
    align-items: center;
    gap: 1rem;
    padding: 1rem 1.5rem;
    min-width: 280px;
}

.notification.success i { color: var(--success); }
.notification.error i { color: var(--error); }
.notification.warning i { color: var(--warning); }
.notification.info i { color: var(--primary); }

.notification-content button {
    background: none;
    border: none;
    color: var(--gray-500);
    cursor: pointer;
    margin-left: auto;
    transition: color 0.2s var(--ease), transform 0.2s var(--ease);
}

.notification-content button:hover { color: var(--error); transform: rotate(90deg); }

/* ============================================================
   Scroll Animations
   ============================================================ */
[data-animate] {
    opacity: 0;
    transition: opacity 0.8s var(--ease), transform 0.8s var(--ease);
    will-change: opacity, transform;
}

[data-animate="fade-up"] { transform: translateY(35px); }
[data-animate="fade-down"] { transform: translateY(-35px); }
[data-animate="fade-left"] { transform: translateX(40px); }
[data-animate="fade-right"] { transform: translateX(-40px); }
[data-animate="zoom-in"] { transform: scale(0.9); }
[data-animate="fade-in"] { transform: none; }
[data-animate].animate-in { opacity: 1; transform: translate(0, 0) scale(1); }

/* ============================================================
   Responsive
   ============================================================ */
@media (max-width: 768px) {
    .container { padding: 0 1rem; }
    h1 { font-size: 2.5rem; }
    h2 { font-size: 2rem; }

    .nav-menu { display: none; }
    .mobile-menu-btn { display: flex; }

    .hero-content { grid-template-columns: 1fr; text-align: center; gap: 2rem; }
    .hero-stats { justify-content: center; }
    .hero-actions { justify-content: center; flex-wrap: wrap; }
    .trust-content { flex-direction: column; gap: 1rem; }

    .features-grid,
    .products-grid,
    .testimonials-grid,
    .products-comparison,
    .mortgage-cards,
    .business-solutions,
    .insurance-products,
    .investment-options { grid-template-columns: 1fr; }

    .product-card.featured,
    .mortgage-card.featured { transform: none; }

    .product-card.featured:hover,
    .mortgage-card.featured:hover { transform: translateY(-8px); }

    .showcase-content { grid-template-columns: 1fr; text-align: center; }
    .app-features-list { grid-template-columns: 1fr; }
    .download-buttons { flex-direction: column; }
    .cta-actions { flex-direction: column; }
    .footer-content { grid-template-columns: 1fr; }

    .cookie-content { flex-direction: column; text-align: center; }
    .cookie-actions { justify-content: center; }
    .form-row, .form-row.three { grid-template-columns: 1fr; }
    .social-auth { flex-direction: column; }

    .business-features,
    .benefits-grid,
    .platform-features { grid-template-columns: 1fr; }

    .investment-header { flex-direction: column; text-align: center; gap: 1rem; }

    .section-cta,
    .mortgage-calculator-preview,
    .insurance-benefits,
    .investment-platform { padding: 2rem 1rem; }

    .signup-step-dot label { display: none; }

    .logo img { max-width: 140px; max-height: 54px; }
    .loading-logo img { max-width: 180px; max-height: 72px; }
    .footer-logo img { max-width: 130px; max-height: 48px; }
}

@media (max-width: 480px) {
    .hero { margin-top: 140px; }
    .hero h1 { font-size: 2rem; }
    .hero-stats { flex-direction: column; gap: 1rem; }
    .phone-mockup { width: 250px; height: 500px; }

    .product-card,
    .mortgage-card,
    .solution-card,
    .insurance-card,
    .investment-card { padding: 1.5rem; }

    .product-icon,
    .card-icon,
    .solution-icon,
    .insurance-icon,
    .investment-icon { width: 60px; height: 60px; font-size: 1.5rem; }

    .interest-rate,
    .rate-badge { font-size: 1.5rem; }

    .logo img { max-width: 120px; max-height: 44px; }
    .loading-logo img { max-width: 150px; max-height: 60px; }
    .footer-logo img { max-width: 110px; max-height: 40px; }
}

@media (prefers-reduced-motion: reduce) {
    *, *::before, *::after {
        animation-duration: 0.001ms !important;
        animation-iteration-count: 1 !important;
        transition-duration: 0.001ms !important;
        scroll-behavior: auto !important;
    }
    [data-animate] { opacity: 1 !important; transform: none !important; }
}