/* ==========================================================================
   DESIGN SYSTEM & CUSTOM PROPERTIES
   ========================================================================== */
:root {
  /* Fonts */
  --font-primary: 'Plus Jakarta Sans', sans-serif;
  --font-secondary: 'Outfit', sans-serif;

  /* Color Palette (Light Theme Default) */
  --bg-primary: #f8fafc;
  --bg-secondary: #ffffff;
  --bg-alternate: #f1f5f9;
  --text-primary: #0f172a;
  --text-secondary: #475569;
  --text-muted: #64748b;
  
  --primary: #0f4c81;        /* Deep Classic Navy */
  --primary-light: #1d5f99;
  --primary-dark: #0a3357;
  
  --accent: #00b4d8;         /* Vibrant Cyan/Teal */
  --accent-rgb: 0, 180, 216;
  --accent-hover: #0077b6;
  
  --gold: #d4af37;           /* Premium Gold */
  --gold-light: #f3e5ab;
  --gold-dark: #aa7c11;
  
  --success: #10b981;        /* Emerald */
  --error: #ef4444;          /* Red */
  
  /* Borders and Shadows */
  --border-color: #e2e8f0;
  --border-radius-sm: 8px;
  --border-radius-md: 16px;
  --border-radius-lg: 24px;
  --border-radius-xl: 32px;
  
  --shadow-sm: 0 2px 4px rgba(15, 23, 42, 0.05);
  --shadow-md: 0 8px 16px rgba(15, 23, 42, 0.08);
  --shadow-lg: 0 16px 32px rgba(15, 23, 42, 0.12);
  --shadow-glow: 0 0 24px rgba(0, 180, 216, 0.2);

  /* Transitions */
  --transition-fast: 0.2s ease;
  --transition-normal: 0.3s ease;
  --transition-slow: 0.6s cubic-bezier(0.16, 1, 0.3, 1);
  
  /* Glassmorphism */
  --glass-bg: rgba(255, 255, 255, 0.7);
  --glass-border: rgba(255, 255, 255, 0.5);
  --glass-blur: blur(12px);
  
  --container-width: 1200px;
  --header-height: 80px;
}

/* Dark Theme Variables */
body.dark-theme {
  --bg-primary: #090d16;
  --bg-secondary: #111827;
  --bg-alternate: #1f2937;
  --text-primary: #f8fafc;
  --text-secondary: #cbd5e1;
  --text-muted: #94a3b8;
  
  --primary: #3b82f6;        /* Bright Navy/Blue */
  --primary-light: #60a5fa;
  --primary-dark: #1d4ed8;
  
  --border-color: #1e293b;
  
  --shadow-sm: 0 2px 4px rgba(0, 0, 0, 0.2);
  --shadow-md: 0 8px 24px rgba(0, 0, 0, 0.3);
  --shadow-lg: 0 16px 40px rgba(0, 0, 0, 0.4);
  --shadow-glow: 0 0 32px rgba(59, 130, 246, 0.2);
  
  --glass-bg: rgba(17, 24, 39, 0.7);
  --glass-border: rgba(255, 255, 255, 0.05);
  
  --bg-alternate: #0f172a;
}

/* ==========================================================================
   BASE STYLES & RESET
   ========================================================================== */
*, *::before, *::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

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

body {
  font-family: var(--font-primary);
  background-color: var(--bg-primary);
  color: var(--text-primary);
  line-height: 1.6;
  overflow-x: hidden;
  transition: background-color var(--transition-normal), color var(--transition-normal);
}

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

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

button, input, select, textarea {
  font-family: inherit;
  font-size: inherit;
  color: inherit;
  border: none;
  background: none;
  outline: none;
}

button {
  cursor: pointer;
}

.container {
  width: 100%;
  max-width: var(--container-width);
  margin-right: auto;
  margin-left: auto;
  padding-right: 24px;
  padding-left: 24px;
}

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

/* ==========================================================================
   TYPOGRAPHY
   ========================================================================== */
h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-secondary);
  font-weight: 700;
  line-height: 1.25;
  margin-bottom: 0.5em;
}

/* ==========================================================================
   BUTTONS & UI ELEMENTS
   ========================================================================== */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 12px 28px;
  font-weight: 600;
  font-family: var(--font-secondary);
  border-radius: var(--border-radius-sm);
  transition: all var(--transition-fast);
  gap: 8px;
}

.btn-primary {
  background: linear-gradient(135deg, var(--primary), var(--accent));
  color: #ffffff;
  box-shadow: 0 4px 14px rgba(0, 180, 216, 0.3);
}

.btn-primary:hover {
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(0, 180, 216, 0.5);
  background: linear-gradient(135deg, var(--primary-light), var(--accent));
}

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

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

.btn-lg {
  padding: 16px 36px;
  font-size: 1.1rem;
}

.btn-sm {
  padding: 8px 18px;
  font-size: 0.9rem;
}

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

.badge {
  display: inline-block;
  padding: 6px 16px;
  background-color: rgba(0, 180, 216, 0.1);
  color: var(--accent);
  font-size: 0.85rem;
  font-weight: 700;
  border-radius: 100px;
  text-transform: uppercase;
  letter-spacing: 1px;
  margin-bottom: 1.5rem;
}

.gradient-text {
  background: linear-gradient(135deg, var(--primary), var(--accent));
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
}

body.dark-theme .gradient-text {
  background: linear-gradient(135deg, #60a5fa, #34d399);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
}

/* ==========================================================================
   TOP BAR & HEADER NAVBAR
   ========================================================================== */
.top-bar {
  background-color: var(--primary-dark);
  color: rgba(255, 255, 255, 0.9);
  font-size: 0.85rem;
  padding: 8px 0;
  font-weight: 500;
}

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

.top-info {
  display: flex;
  gap: 20px;
}

.top-info span {
  display: flex;
  align-items: center;
  gap: 6px;
}

.top-cta {
  opacity: 0.95;
  font-family: var(--font-secondary);
  font-weight: 600;
}

.header {
  position: fixed;
  top: 36px; /* below top bar */
  left: 0;
  right: 0;
  z-index: 1000;
  transition: all var(--transition-normal);
}

.header.scrolled {
  top: 0;
}

.navbar {
  display: flex;
  justify-content: space-between;
  align-items: center;
  height: var(--header-height);
  background: var(--glass-bg);
  border: 1px solid var(--glass-border);
  backdrop-filter: var(--glass-blur);
  -webkit-backdrop-filter: var(--glass-blur);
  border-radius: var(--border-radius-md);
  margin-top: 10px;
  padding: 0 32px;
  box-shadow: var(--shadow-sm);
  transition: all var(--transition-normal);
}

.header.scrolled .navbar {
  margin-top: 0;
  border-radius: 0;
  border-left: none;
  border-right: none;
  box-shadow: var(--shadow-md);
}

.logo {
  display: flex;
  align-items: center;
  gap: 12px;
  font-family: var(--font-secondary);
  font-weight: 800;
  font-size: 1.4rem;
  letter-spacing: -0.5px;
}

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

.accent-text {
  color: var(--accent);
}

.nav-menu {
  display: flex;
  list-style: none;
  gap: 32px;
  align-items: center;
}

.nav-link {
  font-weight: 600;
  font-size: 0.95rem;
  color: var(--text-secondary);
  position: relative;
  padding: 8px 0;
}

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

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

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

.mobile-cta {
  display: none;
}

.nav-actions {
  display: flex;
  align-items: center;
  gap: 20px;
}

.theme-toggle {
  color: var(--text-secondary);
  padding: 8px;
  border-radius: 50%;
  transition: all var(--transition-fast);
  display: flex;
  align-items: center;
  justify-content: center;
}

.theme-toggle:hover {
  background-color: rgba(0, 180, 216, 0.1);
  color: var(--accent);
}

.sun-icon {
  width: 20px;
  height: 20px;
  display: none;
}

.moon-icon {
  width: 20px;
  height: 20px;
  display: block;
}

body.dark-theme .sun-icon {
  display: block;
}

body.dark-theme .moon-icon {
  display: none;
}

/* Hamburger Menu Toggle */
.menu-toggle {
  display: none;
  flex-direction: column;
  justify-content: space-between;
  width: 24px;
  height: 18px;
}

.menu-toggle span {
  display: block;
  height: 2.5px;
  width: 100%;
  background-color: var(--text-primary);
  border-radius: 2px;
  transition: all var(--transition-fast);
}

/* ==========================================================================
   PAGE BANNER COMPONENT
   ========================================================================== */
.page-banner-section {
  padding-top: 180px;
  padding-bottom: 60px;
  background: radial-gradient(circle at 100% 0%, var(--primary-dark) 0%, rgba(15, 23, 42, 0.95) 100%);
  color: #ffffff;
  border-bottom: 4px solid var(--accent);
}

.page-banner-section .section-badge {
  background-color: rgba(0, 180, 216, 0.2);
  color: var(--accent);
  border: 1px solid rgba(0, 180, 216, 0.3);
}

.page-title {
  font-size: 3rem;
  font-weight: 800;
  letter-spacing: -1px;
  margin-bottom: 12px;
}

.page-description {
  font-size: 1.2rem;
  color: rgba(255, 255, 255, 0.85);
  max-width: 700px;
  margin: 0 auto;
}

/* ==========================================================================
   HERO SECTION (HOME)
   ========================================================================== */
.hero-section {
  padding-top: 180px;
  padding-bottom: 100px;
  overflow: hidden;
  position: relative;
}

.hero-grid {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 60px;
  align-items: center;
}

.hero-title {
  font-size: 3.5rem;
  line-height: 1.15;
  font-weight: 800;
  margin-bottom: 24px;
  letter-spacing: -1.5px;
}

.hero-subtitle {
  font-size: 1.2rem;
  color: var(--text-secondary);
  margin-bottom: 40px;
  max-width: 580px;
}

.hero-actions {
  display: flex;
  gap: 20px;
  margin-bottom: 48px;
}

.hero-features {
  display: flex;
  gap: 30px;
}

.hero-feat-item {
  display: flex;
  align-items: center;
  gap: 8px;
  font-weight: 600;
  font-size: 0.95rem;
  color: var(--text-secondary);
}

.feat-icon {
  color: var(--success);
  font-weight: bold;
}

.hero-visual {
  position: relative;
}

.image-card-container {
  position: relative;
  border-radius: var(--border-radius-xl);
  overflow: visible;
}

.hero-img {
  width: 100%;
  border-radius: var(--border-radius-xl);
  box-shadow: var(--shadow-lg);
  object-fit: cover;
  border: 1px solid var(--border-color);
}

/* Floating Badges in Hero */
.floating-badge {
  position: absolute;
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 16px 20px;
  background: var(--glass-bg);
  border: 1px solid var(--glass-border);
  backdrop-filter: var(--glass-blur);
  -webkit-backdrop-filter: var(--glass-blur);
  border-radius: var(--border-radius-md);
  box-shadow: var(--shadow-md);
  animation: float 6s ease-in-out infinite;
}

.badge-icon {
  font-size: 1.5rem;
}

.badge-text {
  display: flex;
  flex-direction: column;
}

.badge-text strong {
  font-size: 0.95rem;
  color: var(--text-primary);
  font-weight: 700;
}

.badge-text span {
  font-size: 0.75rem;
  color: var(--text-muted);
}

.badge-top-right {
  top: 15%;
  right: -30px;
  animation-delay: 0s;
}

.badge-bottom-left {
  bottom: 15%;
  left: -30px;
  animation-delay: 3s;
}

/* ==========================================================================
   MISSION STATEMENT SECTION
   ========================================================================== */
.mission-callout {
  padding: 80px 0;
  background: var(--bg-secondary);
  border-top: 1px solid var(--border-color);
  border-bottom: 1px solid var(--border-color);
}

.mission-box {
  max-width: 850px;
  margin: 0 auto;
  position: relative;
}

.gold-quote {
  font-family: var(--font-secondary);
  font-size: 6rem;
  color: var(--gold);
  line-height: 0.1;
  display: block;
  height: 40px;
}

.mission-text {
  font-family: var(--font-secondary);
  font-size: 1.8rem;
  font-weight: 600;
  color: var(--text-primary);
  line-height: 1.5;
  margin-bottom: 24px;
}

.mission-divider {
  width: 80px;
  height: 3px;
  background: linear-gradient(90deg, var(--accent), var(--gold));
  margin: 0 auto 20px auto;
  border-radius: 10px;
}

.mission-tagline {
  font-size: 0.9rem;
  letter-spacing: 2px;
  font-weight: 800;
  color: var(--text-muted);
}

/* ==========================================================================
   PREVIEWS & HOME SUBSECTIONS
   ========================================================================== */
.iul-preview,
.about-us-preview {
  padding: 100px 0;
  border-bottom: 1px solid var(--border-color);
}

.preview-grid {
  display: grid;
  grid-template-columns: 1fr 1.1fr;
  gap: 60px;
  align-items: center;
}

.preview-img {
  width: 100%;
  border-radius: var(--border-radius-xl);
  border: 1px solid var(--border-color);
}

.preview-info-wrapper h2 {
  font-size: 2.5rem;
  font-weight: 800;
  margin-bottom: 6px;
}

.preview-lead {
  font-family: var(--font-secondary);
  font-size: 1.15rem;
  color: var(--accent);
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 1px;
  margin-bottom: 20px;
}

.preview-text {
  font-size: 1.05rem;
  color: var(--text-secondary);
  margin-bottom: 24px;
}

.preview-bullets {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
  margin-bottom: 36px;
}

.p-bullet {
  display: flex;
  align-items: center;
  gap: 10px;
  font-weight: 600;
  font-size: 0.95rem;
  color: var(--text-secondary);
}

.solutions-preview {
  padding: 100px 0;
}

.grid-4-col {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 30px;
}

.solution-preview-card {
  background-color: var(--bg-secondary);
  padding: 36px 28px;
  border-radius: var(--border-radius-lg);
  border: 1px solid var(--border-color);
  display: flex;
  flex-direction: column;
  transition: all var(--transition-normal);
}

.sol-icon {
  font-size: 2.2rem;
  margin-bottom: 20px;
}

.solution-preview-card h4 {
  font-size: 1.2rem;
  font-weight: 800;
  margin-bottom: 12px;
}

.solution-preview-card p {
  color: var(--text-secondary);
  font-size: 0.9rem;
  line-height: 1.5;
  margin-bottom: 24px;
  flex-grow: 1;
}

.arrow-link {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-weight: 700;
  color: var(--accent);
  font-size: 0.9rem;
}

.arrow-link span {
  transition: transform var(--transition-fast);
}

.solution-preview-card:hover .arrow-link span {
  transform: translateX(4px);
}

.solution-preview-card:hover {
  border-color: var(--accent);
  box-shadow: var(--shadow-md);
}

.view-all-btn-box {
  margin-top: 50px;
}

/* ==========================================================================
   IUL MAIN INTERACTIVE SECTION & PAGE
   ========================================================================== */
.iul-page-dashboard-sec {
  padding: 100px 0;
}

.iul-dashboard {
  display: grid;
  grid-template-columns: 1fr 1.2fr;
  gap: 50px;
  align-items: start;
}

.nav-instruction {
  font-size: 0.85rem;
  text-transform: uppercase;
  letter-spacing: 1px;
  font-weight: 700;
  color: var(--text-muted);
  margin-bottom: 15px;
  padding-left: 10px;
}

.iul-tabs-nav {
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.iul-tab-btn {
  display: flex;
  align-items: center;
  text-align: left;
  padding: 18px 24px;
  background: var(--bg-primary);
  border: 1px solid var(--border-color);
  border-radius: var(--border-radius-md);
  transition: all var(--transition-normal);
  gap: 16px;
}

.iul-tab-btn .tab-num {
  font-family: var(--font-secondary);
  font-size: 1.1rem;
  font-weight: 800;
  color: var(--text-muted);
  transition: color var(--transition-fast);
}

.iul-tab-btn .tab-title {
  flex-grow: 1;
  font-weight: 700;
  color: var(--text-secondary);
  transition: color var(--transition-fast);
}

.iul-tab-btn .tab-arrow {
  color: var(--text-muted);
  opacity: 0;
  transform: translateX(-10px);
  transition: all var(--transition-normal);
}

.iul-tab-btn:hover {
  border-color: var(--accent);
  background-color: var(--bg-secondary);
  box-shadow: var(--shadow-sm);
  transform: translateX(4px);
}

.iul-tab-btn:hover .tab-title {
  color: var(--text-primary);
}

.iul-tab-btn.active {
  background: linear-gradient(135deg, var(--primary), var(--primary-light));
  border-color: var(--primary);
  box-shadow: var(--shadow-md);
  transform: translateX(8px);
}

.iul-tab-btn.active .tab-num {
  color: var(--gold-light);
}

.iul-tab-btn.active .tab-title {
  color: #ffffff;
}

.iul-tab-btn.active .tab-arrow {
  opacity: 1;
  transform: translateX(0);
  color: #ffffff;
}

/* Dashboard Display Panel */
.iul-display-panel {
  position: relative;
  background-color: var(--bg-secondary);
  border: 1px solid var(--border-color);
  border-radius: var(--border-radius-xl);
  padding: 45px;
  box-shadow: var(--shadow-lg);
  min-height: 480px;
  overflow: hidden;
  display: flex;
  flex-direction: column;
  justify-content: center;
}

.panel-background-graphic {
  position: absolute;
  right: -5%;
  bottom: -5%;
  width: 50%;
  opacity: 0.05;
  pointer-events: none;
  transition: opacity var(--transition-normal);
}

body.dark-theme .panel-background-graphic {
  opacity: 0.1;
}

.panel-bg-img {
  width: 100%;
}

.iul-tab-content {
  display: none;
  animation: fadeInUp var(--transition-normal);
}

.iul-tab-content.active {
  display: flex;
  flex-direction: column;
  gap: 20px;
  z-index: 2;
}

.card-header {
  display: flex;
  align-items: center;
  gap: 10px;
}

.card-icon {
  font-size: 2rem;
}

.card-tag {
  font-family: var(--font-secondary);
  font-weight: 700;
  font-size: 0.85rem;
  letter-spacing: 1px;
  text-transform: uppercase;
  color: var(--accent);
}

.card-question {
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--text-primary);
  line-height: 1.35;
}

.card-answer-box {
  background: var(--bg-primary);
  border-left: 4px solid var(--accent);
  padding: 24px;
  border-radius: 0 var(--border-radius-md) var(--border-radius-md) 0;
  box-shadow: var(--shadow-sm);
}

.card-answer-title {
  color: var(--primary);
  font-weight: 800;
  letter-spacing: 1px;
  margin-bottom: 8px;
}

.card-answer-text {
  color: var(--text-secondary);
  font-size: 1.05rem;
}

.card-metric-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
  margin-top: 10px;
}

.metric-item {
  background-color: var(--bg-primary);
  padding: 16px;
  border-radius: var(--border-radius-md);
  border: 1px solid var(--border-color);
  text-align: center;
}

.metric-val {
  display: block;
  font-family: var(--font-secondary);
  font-size: 1.4rem;
  font-weight: 800;
  color: var(--primary);
  margin-bottom: 4px;
}

body.dark-theme .metric-val {
  color: var(--accent);
}

.metric-lbl {
  font-size: 0.8rem;
  color: var(--text-muted);
  font-weight: 600;
}

/* 3 Pillars in IUL page */
.three-pillars-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 30px;
}

.pillar-card {
  background: var(--bg-secondary);
  padding: 45px 35px;
  border-radius: var(--border-radius-lg);
  border: 1px solid var(--border-color);
  position: relative;
  transition: all var(--transition-normal);
}

.pillar-num {
  font-family: var(--font-secondary);
  font-size: 3rem;
  font-weight: 800;
  color: rgba(0, 180, 216, 0.15);
  line-height: 0.8;
  margin-bottom: 15px;
}

.pillar-card h3 {
  font-size: 1.3rem;
  font-weight: 800;
  margin-bottom: 15px;
  color: var(--text-primary);
}

.pillar-card p {
  color: var(--text-secondary);
  font-size: 0.95rem;
}

.pillar-card:hover {
  border-color: var(--accent);
  box-shadow: var(--shadow-md);
  transform: translateY(-8px);
}

/* ==========================================================================
   PRODUCTS CATALOG PAGE STYLING
   ========================================================================== */
.products-intro-sec {
  padding: 80px 0;
  background-color: var(--bg-secondary);
}

.intro-box {
  max-width: 900px;
  margin: 0 auto;
}

.intro-lead-text {
  font-size: 1.25rem;
  color: var(--text-secondary);
  line-height: 1.65;
  font-weight: 500;
}

.products-list-sec {
  padding: 100px 0;
}

.products-grid-2col {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 40px;
}

.p-card-large {
  background-color: var(--bg-secondary);
  padding: 48px;
  border-radius: var(--border-radius-xl);
  border: 1px solid var(--border-color);
  display: flex;
  flex-direction: column;
  position: relative;
  box-shadow: var(--shadow-sm);
  transition: all var(--transition-normal);
}

.p-card-badge {
  position: absolute;
  top: 30px;
  right: 48px;
  font-family: var(--font-secondary);
  font-size: 2.2rem;
  font-weight: 800;
  color: rgba(15, 23, 42, 0.05);
}

body.dark-theme .p-card-badge {
  color: rgba(255, 255, 255, 0.03);
}

.p-card-icon-header {
  display: flex;
  align-items: center;
  gap: 20px;
  margin-bottom: 24px;
}

.p-icon-glow {
  font-size: 2.5rem;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 64px;
  height: 64px;
  border-radius: var(--border-radius-md);
  background-color: var(--bg-primary);
  border: 1px solid var(--border-color);
  box-shadow: var(--shadow-sm);
}

.p-card-icon-header h3 {
  font-size: 1.6rem;
  font-weight: 800;
  margin-bottom: 0;
  line-height: 1.2;
}

.p-card-text-desc {
  font-size: 1.05rem;
  color: var(--text-secondary);
  margin-bottom: 32px;
  line-height: 1.6;
}

.p-card-meta {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
  margin-bottom: 40px;
  flex-grow: 1;
}

.p-meta-box h5 {
  font-family: var(--font-secondary);
  font-size: 0.9rem;
  text-transform: uppercase;
  color: var(--accent);
  letter-spacing: 0.5px;
  margin-bottom: 12px;
  font-weight: 800;
}

.p-meta-box ul {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.p-meta-box ul li {
  font-size: 0.9rem;
  color: var(--text-secondary);
  position: relative;
  padding-left: 14px;
}

.p-meta-box ul li::before {
  content: '•';
  position: absolute;
  left: 0;
  color: var(--accent);
  font-weight: bold;
}

.p-card-action {
  border-top: 1px solid var(--border-color);
  padding-top: 24px;
}

.p-card-action-flex {
  border-top: 1px solid var(--border-color);
  padding-top: 24px;
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
}

/* Featured product card on solutions list */
.p-card-large.featured-card {
  background: radial-gradient(circle at 100% 0%, var(--primary-dark) 0%, var(--primary) 100%);
  border-color: var(--primary);
  color: #ffffff;
  box-shadow: var(--shadow-lg);
}

.p-card-large.featured-card .p-icon-glow {
  background-color: rgba(255, 255, 255, 0.1);
  border-color: rgba(255, 255, 255, 0.1);
}

.p-card-large.featured-card .p-card-text-desc {
  color: rgba(255, 255, 255, 0.85);
}

.p-card-large.featured-card .p-meta-box h5 {
  color: var(--gold);
}

.p-card-large.featured-card .p-meta-box ul li {
  color: rgba(255, 255, 255, 0.9);
}

.p-card-large.featured-card .p-meta-box ul li::before {
  color: var(--gold);
}

.p-card-large.featured-card .p-card-action-flex {
  border-top-color: rgba(255, 255, 255, 0.15);
}

.p-card-large.featured-card .color-white {
  color: #ffffff;
  border-color: rgba(255, 255, 255, 0.2);
}

.p-card-large.featured-card .color-white:hover {
  background-color: rgba(255, 255, 255, 0.1);
}

.gold-badge {
  color: rgba(212, 175, 55, 0.15) !important;
}

.p-card-large:hover {
  transform: translateY(-8px);
  box-shadow: var(--shadow-lg);
  border-color: var(--accent);
}

.p-card-large.featured-card:hover {
  border-color: var(--gold);
}

/* ==========================================================================
   RETIREMENT PAGE STYLING
   ========================================================================== */
.retirement-details-sec {
  padding: 100px 0;
}

.grid-2-col {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 50px;
}

.retirement-info-card {
  background: var(--bg-secondary);
  border: 1px solid var(--border-color);
  border-radius: var(--border-radius-xl);
  padding: 48px;
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
}

.card-icon-big {
  font-size: 3rem;
  margin-bottom: 24px;
  display: block;
}

.retirement-info-card h2 {
  font-size: 2rem;
  font-weight: 800;
  margin-bottom: 12px;
}

.card-lead {
  font-size: 1.1rem;
  color: var(--text-secondary);
  margin-bottom: 32px;
  line-height: 1.6;
}

.solutions-services-list {
  display: flex;
  flex-direction: column;
  gap: 20px;
  margin-bottom: 36px;
  flex-grow: 1;
}

.solutions-services-list h4 {
  font-family: var(--font-secondary);
  font-size: 0.95rem;
  text-transform: uppercase;
  color: var(--text-muted);
  letter-spacing: 0.5px;
  margin-bottom: 5px;
}

.service-bullet {
  display: flex;
  gap: 14px;
  align-items: flex-start;
}

.service-bullet .bullet-check {
  background-color: rgba(0, 180, 216, 0.12);
  width: 24px;
  height: 24px;
  border-radius: 50%;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  color: var(--accent);
  font-weight: bold;
  flex-shrink: 0;
}

.service-bullet div {
  font-size: 0.95rem;
  color: var(--text-secondary);
}

.service-bullet strong {
  color: var(--text-primary);
  display: block;
  font-size: 1rem;
  margin-bottom: 2px;
}

.benefits-accent-box {
  background-color: var(--bg-primary);
  border-left: 4px solid var(--accent);
  padding: 24px;
  border-radius: 0 var(--border-radius-md) var(--border-radius-md) 0;
  margin-top: auto;
}

.benefits-accent-box h4 {
  font-size: 1rem;
  font-weight: 800;
  margin-bottom: 12px;
}

.benefits-accent-box ul {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.benefits-accent-box ul li {
  font-size: 0.9rem;
  color: var(--text-secondary);
  position: relative;
  padding-left: 16px;
}

.benefits-accent-box ul li::before {
  content: '✓';
  position: absolute;
  left: 0;
  color: var(--success);
  font-weight: bold;
}

.benefits-accent-box.gold-accent-box {
  border-left-color: var(--gold);
}

/* Retirement Live Calculator styles */
.retirement-calc-section {
  padding: 100px 0;
}

.max-width-calculator {
  max-width: 900px;
  margin: 0 auto;
}

.grid-2-col-calc {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 40px;
  margin-top: 20px;
}

.calc-inputs-pane {
  display: flex;
  flex-direction: column;
  gap: 20px;
}

.calc-results-pane {
  display: flex;
  flex-direction: column;
  justify-content: center;
}

/* ==========================================================================
   CONTACT DETAILS PAGE & SCHEDULER
   ========================================================================== */
.credentials-cards-section {
  padding: 100px 0;
}

.lic-number-badge {
  display: inline-block;
  background-color: rgba(212, 175, 55, 0.15);
  color: var(--gold-dark);
  font-weight: 800;
  font-family: var(--font-secondary);
  padding: 4px 14px;
  border-radius: 100px;
  font-size: 0.8rem;
  margin-bottom: 16px;
}

body.dark-theme .lic-number-badge {
  color: var(--gold-light);
}

.license-info-text {
  font-size: 0.85rem;
  color: var(--text-muted);
  text-transform: uppercase;
  font-weight: 800;
  letter-spacing: 0.5px;
  margin-bottom: 12px;
}

.contact-card-btn {
  display: block;
  font-family: var(--font-secondary);
  font-size: 1.3rem;
  font-weight: 800;
  color: var(--primary);
  margin-bottom: 16px;
  transition: color var(--transition-fast);
}

body.dark-theme .contact-card-btn {
  color: var(--accent);
}

.contact-card-btn:hover {
  color: var(--accent-hover);
}

.card-details-p {
  color: var(--text-secondary);
  font-size: 0.9rem;
  line-height: 1.5;
}

/* ==========================================================================
   BENEFITS SECTION (GRID 3 COLUMNS)
   ========================================================================== */
.benefits-section {
  padding: 100px 0;
}

.benefits-section h3 {
  font-size: 1.8rem;
  letter-spacing: 1px;
  color: var(--text-primary);
  margin-bottom: 40px;
}

.benefit-card {
  background: var(--bg-secondary);
  padding: 40px 32px;
  border-radius: var(--border-radius-lg);
  border: 1px solid var(--border-color);
  text-align: center;
  transition: all var(--transition-normal);
}

.benefit-icon-wrapper {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 60px;
  height: 60px;
  border-radius: var(--border-radius-md);
  background-color: rgba(0, 180, 216, 0.1);
  color: var(--accent);
  margin-bottom: 24px;
  font-size: 1.8rem;
}

.benefit-card h4 {
  font-size: 1.15rem;
  font-weight: 800;
  margin-bottom: 12px;
  letter-spacing: 0.5px;
}

.benefit-card p {
  color: var(--text-secondary);
  font-size: 0.95rem;
}

.benefit-card:hover {
  transform: translateY(-8px);
  border-color: var(--accent);
  box-shadow: var(--shadow-md);
}

/* ==========================================================================
   WHY LIFE INSURANCE MATTERS SECTION
   ========================================================================== */
.why-matters-section {
  padding: 100px 0;
  background-color: var(--bg-secondary);
  border-top: 1px solid var(--border-color);
  border-bottom: 1px solid var(--border-color);
}

.matters-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 30px;
}

.matters-card {
  background: var(--bg-primary);
  padding: 30px;
  border-radius: var(--border-radius-md);
  border: 1px solid var(--border-color);
  transition: all var(--transition-normal);
}

.matters-icon {
  font-size: 2.2rem;
  margin-bottom: 20px;
}

.matters-card h4 {
  font-size: 1.15rem;
  font-weight: 800;
  margin-bottom: 10px;
}

.matters-card p {
  color: var(--text-secondary);
  font-size: 0.9rem;
}

.matters-card:hover {
  transform: translateY(-5px);
  border-color: var(--accent);
  box-shadow: var(--shadow-md);
}

/* ==========================================================================
   WHY CHOOSE US (GRID 3 COLUMNS)
   ========================================================================== */
.why-choose-us {
  padding: 100px 0;
}

.why-choose-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 30px;
}

.why-card {
  background: var(--bg-secondary);
  padding: 36px;
  border-radius: var(--border-radius-lg);
  border: 1px solid var(--border-color);
  box-shadow: var(--shadow-sm);
  transition: all var(--transition-normal);
}

.why-header {
  display: flex;
  align-items: center;
  gap: 16px;
  margin-bottom: 16px;
}

.why-number {
  font-family: var(--font-secondary);
  font-weight: 800;
  font-size: 1.2rem;
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background-color: rgba(0, 180, 216, 0.12);
  color: var(--accent);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.why-card h4 {
  font-size: 1.15rem;
  font-weight: 800;
  margin-bottom: 0;
  color: var(--text-primary);
}

.why-card p {
  color: var(--text-secondary);
  font-size: 0.95rem;
  line-height: 1.6;
}

.why-card:hover {
  transform: translateY(-6px);
  border-color: var(--accent);
  box-shadow: var(--shadow-md);
}

/* ==========================================================================
   FINANCIAL ANALYSIS FORM & CALCULATOR SECTION
   ========================================================================== */
.analysis-section {
  padding: 100px 0;
  background-color: var(--bg-alternate);
}

.analysis-wrapper {
  display: grid;
  grid-template-columns: 1fr 1.1fr;
  gap: 60px;
  align-items: center;
}

.analysis-info h2 {
  font-size: 2.2rem;
  font-weight: 800;
  margin-bottom: 20px;
}

.analysis-info p {
  color: var(--text-secondary);
  margin-bottom: 30px;
  font-size: 1.05rem;
}

.needs-benefit-bullets {
  display: flex;
  flex-direction: column;
  gap: 16px;
  margin-bottom: 40px;
}

.bullet-item {
  display: flex;
  gap: 16px;
  align-items: flex-start;
}

.bullet-check {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 24px;
  height: 24px;
  border-radius: 50%;
  background-color: rgba(0, 180, 216, 0.15);
  color: var(--accent);
  font-weight: bold;
  flex-shrink: 0;
}

.bullet-item div {
  font-size: 0.95rem;
  color: var(--text-secondary);
}

.bullet-item strong {
  color: var(--text-primary);
}

/* Calculator Preview Box style */
.calculator-preview-box {
  background: var(--bg-secondary);
  border: 1px solid var(--border-color);
  border-radius: var(--border-radius-md);
  padding: 24px;
  box-shadow: var(--shadow-md);
}

.calc-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  border-bottom: 1px solid var(--border-color);
  padding-bottom: 12px;
  margin-bottom: 16px;
  font-weight: 700;
  font-family: var(--font-secondary);
}

.live-pulse {
  color: var(--success);
  font-size: 0.8rem;
  animation: pulse 1.5s infinite;
}

.calc-input-group {
  margin-bottom: 20px;
}

.calc-input-group label {
  display: block;
  font-size: 0.85rem;
  font-weight: 700;
  color: var(--text-secondary);
  margin-bottom: 10px;
}

input[type="range"] {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 6px;
  background: var(--border-color);
  border-radius: 5px;
  outline: none;
}

input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: var(--accent);
  cursor: pointer;
  box-shadow: var(--shadow-sm);
  transition: transform var(--transition-fast);
}

input[type="range"]::-webkit-slider-thumb:hover {
  transform: scale(1.2);
}

.range-vals {
  display: flex;
  justify-content: space-between;
  font-size: 0.8rem;
  color: var(--text-muted);
  margin-top: 8px;
}

.range-vals strong {
  color: var(--accent);
  font-size: 0.95rem;
}

.calc-results {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
  background: var(--bg-primary);
  padding: 16px;
  border-radius: var(--border-radius-sm);
  border: 1px solid var(--border-color);
  margin-bottom: 12px;
}

.calc-res-item {
  display: flex;
  flex-direction: column;
}

.res-lbl {
  font-size: 0.75rem;
  color: var(--text-muted);
  font-weight: 600;
  text-transform: uppercase;
}

.res-val {
  font-family: var(--font-secondary);
  font-size: 1.3rem;
  font-weight: 800;
  color: var(--text-primary);
}

.res-val.color-accent {
  color: var(--success);
}

.calc-note {
  font-size: 0.7rem;
  color: var(--text-muted);
}

/* Scheduler Request Form */
.analysis-form-container {
  background: var(--bg-secondary);
  border: 1px solid var(--border-color);
  border-radius: var(--border-radius-xl);
  padding: 48px;
  box-shadow: var(--shadow-lg);
}

.financial-form h3 {
  font-size: 1.8rem;
  font-weight: 800;
  margin-bottom: 6px;
}

.form-desc {
  color: var(--text-muted);
  font-size: 0.95rem;
  margin-bottom: 30px;
}

.form-row-2 {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
}

.form-group {
  margin-bottom: 20px;
}

.form-group label {
  display: block;
  font-size: 0.85rem;
  font-weight: 700;
  color: var(--text-secondary);
  margin-bottom: 8px;
}

.form-group input, .form-group select, .form-group textarea {
  width: 100%;
  padding: 14px 18px;
  background-color: var(--bg-primary);
  border: 1px solid var(--border-color);
  border-radius: var(--border-radius-sm);
  color: var(--text-primary);
  transition: all var(--transition-fast);
}

.form-group input:focus, .form-group select:focus, .form-group textarea:focus {
  border-color: var(--accent);
  background-color: var(--bg-secondary);
  box-shadow: 0 0 0 3px rgba(0, 180, 216, 0.15);
}

.required {
  color: var(--error);
}

.submit-btn {
  margin-top: 10px;
  background: linear-gradient(135deg, var(--primary), var(--accent));
  color: #ffffff;
  padding: 16px;
  border-radius: var(--border-radius-sm);
  font-weight: 700;
  box-shadow: 0 4px 14px rgba(0, 180, 216, 0.2);
}

.submit-btn:hover {
  transform: scale(1.02);
  box-shadow: 0 6px 20px rgba(0, 180, 216, 0.4);
}

.submit-btn .btn-icon {
  margin-left: 8px;
}

.privacy-note {
  font-size: 0.75rem;
  color: var(--text-muted);
  text-align: center;
  margin-top: 15px;
}

/* ==========================================================================
   CALL TO ACTION BANNER (cta-banner)
   ========================================================================== */
.cta-banner {
  padding: 80px 0;
  background: radial-gradient(circle at 0% 100%, var(--primary-dark) 0%, rgba(15, 23, 42, 0.95) 100%);
  color: #ffffff;
  border-top: 4px solid var(--accent);
}

.cta-banner h2 {
  font-size: 2.2rem;
  font-weight: 800;
  margin-bottom: 20px;
}

.cta-banner-desc {
  max-width: 750px;
  margin: 0 auto 24px auto;
  font-size: 1.1rem;
  color: rgba(255, 255, 255, 0.85);
}

.cta-slogans {
  font-family: var(--font-secondary);
  font-size: 1.1rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 2px;
  color: var(--gold);
  margin-bottom: 36px;
}

/* ==========================================================================
   FOOTER CONTACT SECTION
   ========================================================================== */
.footer-section {
  background-color: #070a13;
  color: #ffffff;
  padding: 80px 0 0 0;
  border-top: 1px solid #111827;
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr;
  gap: 60px;
  padding-bottom: 60px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.05);
}

.agent-profile {
  display: flex;
  flex-direction: column;
  gap: 20px;
}

.agent-header {
  display: flex;
  gap: 16px;
  align-items: center;
}

.agent-avatar-circle {
  width: 60px;
  height: 60px;
  background: linear-gradient(135deg, var(--accent), var(--primary-light));
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-secondary);
  font-weight: 800;
  font-size: 1.4rem;
  color: #ffffff;
  box-shadow: 0 4px 10px rgba(0, 180, 216, 0.3);
}

.agent-name-box h4 {
  font-size: 1.3rem;
  font-weight: 800;
  margin-bottom: 2px;
}

.agent-title {
  font-size: 0.85rem;
  color: var(--accent);
  font-weight: 600;
  margin-bottom: 4px;
}

.agent-badge-lic {
  display: inline-block;
  font-size: 0.75rem;
  background-color: rgba(255, 255, 255, 0.05);
  color: rgba(255, 255, 255, 0.7);
  padding: 2px 8px;
  border-radius: 4px;
}

.agent-bio {
  color: rgba(255, 255, 255, 0.7);
  font-size: 0.95rem;
  line-height: 1.6;
}

.agent-contact-info {
  display: flex;
  flex-direction: column;
  gap: 10px;
  margin-top: 10px;
}

.contact-link-pill {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  padding: 12px 20px;
  background-color: rgba(255, 255, 255, 0.03);
  border: 1px solid rgba(255, 255, 255, 0.05);
  border-radius: var(--border-radius-sm);
  color: #ffffff;
  font-weight: 600;
  font-size: 0.95rem;
  transition: all var(--transition-fast);
}

.contact-link-pill svg {
  color: var(--accent);
}

.contact-link-pill:hover {
  background-color: var(--accent);
  border-color: var(--accent);
  color: #070a13;
  transform: translateY(-2px);
}

.contact-link-pill:hover svg {
  color: #070a13;
}

.contact-link-pill.whatsapp-pill svg {
  color: #25D366;
}

.contact-link-pill.whatsapp-pill:hover {
  background-color: #25D366;
  border-color: #25D366;
  color: #070a13;
}

.contact-link-pill.whatsapp-pill:hover svg {
  color: #070a13;
}

.footer-links-col h4 {
  font-family: var(--font-secondary);
  font-size: 1.1rem;
  font-weight: 800;
  margin-bottom: 24px;
  letter-spacing: 0.5px;
  color: #ffffff;
  position: relative;
  padding-bottom: 8px;
}

.footer-links-col h4::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  width: 30px;
  height: 2px;
  background-color: var(--accent);
}

.footer-menu {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 14px;
}

.footer-menu a {
  color: rgba(255, 255, 255, 0.6);
  font-size: 0.95rem;
  transition: all var(--transition-fast);
}

.footer-menu a:hover {
  color: var(--accent);
  padding-left: 6px;
}

.footer-bottom {
  background-color: #04060b;
  padding: 40px 0;
  margin-top: 60px;
  font-size: 0.8rem;
  color: rgba(255, 255, 255, 0.4);
}

.disclaimer-text {
  line-height: 1.6;
  margin-bottom: 30px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.05);
  padding-bottom: 20px;
}

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

.designer-credit {
  font-weight: 600;
  color: rgba(255, 255, 255, 0.3);
}

/* ==========================================================================
   MODAL DIALOG POPUPS
   ========================================================================== */
.modal-overlay {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background-color: rgba(7, 10, 19, 0.85);
  backdrop-filter: blur(8px);
  z-index: 2000;
  display: flex;
  align-items: center;
  justify-content: center;
  opacity: 0;
  pointer-events: none;
  transition: opacity var(--transition-normal);
}

.modal-overlay.active {
  opacity: 1;
  pointer-events: all;
}

.modal-box {
  background-color: var(--bg-secondary);
  border: 1px solid var(--border-color);
  border-radius: var(--border-radius-xl);
  padding: 40px;
  max-width: 500px;
  width: 90%;
  position: relative;
  transform: scale(0.9);
  transition: transform var(--transition-normal);
  box-shadow: var(--shadow-lg);
}

.modal-overlay.active .modal-box {
  transform: scale(1);
}

.modal-close {
  position: absolute;
  top: 20px;
  right: 20px;
  font-size: 1.8rem;
  color: var(--text-muted);
  line-height: 1;
}

.modal-close:hover {
  color: var(--text-primary);
}

.success-icon-animation {
  width: 70px;
  height: 70px;
  background-color: rgba(16, 185, 129, 0.15);
  color: var(--success);
  font-size: 2.2rem;
  font-weight: 800;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 24px auto;
  border: 2px solid var(--success);
  box-shadow: 0 0 16px rgba(16, 185, 129, 0.3);
}

.success-message {
  color: var(--text-secondary);
  margin-bottom: 24px;
}

.submission-summary-box {
  background-color: var(--bg-primary);
  border: 1px solid var(--border-color);
  border-radius: var(--border-radius-sm);
  padding: 16px 20px;
  margin-bottom: 24px;
  text-align: left;
}

.submission-summary-box h5 {
  font-size: 0.85rem;
  text-transform: uppercase;
  color: var(--text-muted);
  margin-bottom: 12px;
}

.sum-row {
  display: flex;
  justify-content: space-between;
  margin-bottom: 8px;
  font-size: 0.9rem;
}

.sum-row:last-child {
  margin-bottom: 0;
}

.sum-row span {
  color: var(--text-secondary);
}

.sum-row strong {
  color: var(--text-primary);
}

.agent-callback-text {
  font-size: 0.85rem;
  color: var(--text-secondary);
  margin-bottom: 24px;
}

/* ==========================================================================
   ANIMATIONS & EFFECTS
   ========================================================================== */
@keyframes float {
  0%, 100% {
    transform: translateY(0);
  }
  50% {
    transform: translateY(-10px);
  }
}

@keyframes pulse {
  0%, 100% {
    transform: scale(1);
    opacity: 1;
  }
  50% {
    transform: scale(1.1);
    opacity: 0.5;
  }
}

@keyframes fadeInUp {
  from {
    opacity: 0;
    transform: translateY(20px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

.pulse-btn {
  position: relative;
}

.pulse-btn::after {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  border-radius: inherit;
  border: 2px solid var(--accent);
  opacity: 0;
  animation: pulse-ring 2.5s cubic-bezier(0.215, 0.61, 0.355, 1) infinite;
}

@keyframes pulse-ring {
  0% {
    transform: scale(0.95);
    opacity: 0.8;
  }
  50% {
    opacity: 0.3;
  }
  100% {
    transform: scale(1.15);
    opacity: 0;
  }
}

.fade-in-element {
  opacity: 0;
  transform: translateY(30px);
  transition: opacity var(--transition-slow), transform var(--transition-slow);
}

.fade-in-element.appeared {
  opacity: 1;
  transform: translateY(0);
}

/* ==========================================================================
   RESPONSIVE DESIGN (MEDIA QUERIES)
   ========================================================================== */
@media (max-width: 1200px) {
  .grid-4-col {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 1024px) {
  .hero-grid {
    grid-template-columns: 1fr;
    gap: 40px;
    text-align: center;
  }
  
  .hero-subtitle {
    margin-right: auto;
    margin-left: auto;
  }
  
  .hero-actions {
    justify-content: center;
  }
  
  .hero-features {
    justify-content: center;
  }
  
  .floating-badge {
    display: none; /* Hide floating badges on smaller screens for simplicity */
  }

  .iul-dashboard {
    grid-template-columns: 1fr;
    gap: 30px;
  }

  .iul-tabs-nav {
    flex-direction: row;
    overflow-x: auto;
    padding-bottom: 10px;
    scroll-snap-type: x mandatory;
  }

  .iul-tab-btn {
    flex-shrink: 0;
    scroll-snap-align: start;
    padding: 12px 20px;
    gap: 8px;
  }
  
  .iul-tab-btn .tab-arrow {
    display: none;
  }
  
  .iul-tab-btn.active {
    transform: none;
  }

  .products-grid-2col {
    grid-template-columns: 1fr;
  }

  .grid-2-col {
    grid-template-columns: 1fr;
  }

  .grid-2-col-calc {
    grid-template-columns: 1fr;
  }

  .why-choose-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .preview-grid {
    grid-template-columns: 1fr;
    gap: 40px;
  }

  .matters-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .analysis-wrapper {
    grid-template-columns: 1fr;
    gap: 40px;
  }
  
  .footer-grid {
    grid-template-columns: 1fr 1fr;
    gap: 40px;
  }
  
  .footer-grid > *:first-child {
    grid-column: span 2;
  }
}

@media (max-width: 768px) {
  .top-bar-content {
    flex-direction: column;
    gap: 5px;
    text-align: center;
  }

  .top-info {
    gap: 15px;
  }

  .navbar {
    padding: 0 20px;
  }

  .menu-toggle {
    display: flex;
    z-index: 1100;
  }

  .nav-menu {
    position: fixed;
    top: 0;
    right: -100%;
    width: 80%;
    max-width: 300px;
    height: 100vh;
    background-color: var(--bg-secondary);
    border-left: 1px solid var(--border-color);
    flex-direction: column;
    align-items: flex-start;
    padding: 100px 40px 40px 40px;
    gap: 24px;
    z-index: 1050;
    transition: right var(--transition-normal);
    box-shadow: var(--shadow-lg);
  }

  .nav-menu.active {
    right: 0;
  }

  .menu-toggle.active span:nth-child(1) {
    transform: translateY(8px) rotate(45deg);
  }

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

  .menu-toggle.active span:nth-child(3) {
    transform: translateY(-8px) rotate(-45deg);
  }

  .mobile-cta {
    display: block;
    width: 100%;
    margin-top: 20px;
  }

  .mobile-cta .btn {
    width: 100%;
  }

  .desktop-cta-btn {
    display: none;
  }

  .page-title {
    font-size: 2.2rem;
  }

  .hero-title {
    font-size: 2.5rem;
  }

  .p-card-large {
    padding: 24px;
  }
  
  .p-card-meta {
    grid-template-columns: 1fr;
  }

  .retirement-info-card {
    padding: 24px;
  }

  .why-choose-grid {
    grid-template-columns: 1fr;
  }

  .grid-3-col,
  .grid-4-col {
    grid-template-columns: 1fr;
  }

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

  .analysis-form-container {
    padding: 30px 20px;
  }

  .form-row-2 {
    grid-template-columns: 1fr;
    gap: 0;
  }

  .footer-grid {
    grid-template-columns: 1fr;
    gap: 30px;
  }

  .footer-grid > *:first-child {
    grid-column: span 1;
  }
}

/* ==========================================================================
   10. FLOATING WHATSAPP BUTTON & FORM ADDITIONS
   ========================================================================== */
/* Container holds bubble + button */
.floating-whatsapp-container {
  position: fixed;
  bottom: 30px;
  right: 30px;
  z-index: 2000;
  display: flex;
  flex-direction: column;
  align-items: flex-end;
}

.floating-whatsapp-btn {
  width: 60px;
  height: 60px;
  background-color: #25d366;
  color: #ffffff;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 4px 12px rgba(37, 211, 102, 0.3), 0 8px 24px rgba(0, 0, 0, 0.15);
  transition: transform var(--transition-fast), background-color var(--transition-fast), box-shadow var(--transition-fast);
  cursor: pointer;
  text-decoration: none;
  position: relative;
}

.floating-whatsapp-btn:hover {
  background-color: #20ba5a;
  transform: scale(1.1);
  box-shadow: 0 4px 20px rgba(37, 211, 102, 0.5), 0 12px 30px rgba(0, 0, 0, 0.25);
}

.floating-whatsapp-btn:active {
  transform: scale(0.95);
}

.floating-whatsapp-btn .whatsapp-icon {
  width: 32px;
  height: 32px;
  fill: currentColor;
  z-index: 2;
}

/* Pulse animation */
.floating-whatsapp-btn .whatsapp-pulse {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  background-color: rgba(37, 211, 102, 0.4);
  border-radius: 50%;
  z-index: 1;
  animation: whatsappPulse 2s infinite;
}

@keyframes whatsappPulse {
  0% {
    transform: scale(1);
    opacity: 1;
  }
  100% {
    transform: scale(1.6);
    opacity: 0;
  }
}

/* Chat bubble card styles */
.whatsapp-chat-bubble {
  position: absolute;
  bottom: 80px;
  right: 0;
  width: 320px;
  background-color: var(--bg-secondary);
  border: 1px solid var(--border-color);
  border-radius: var(--border-radius-md);
  box-shadow: var(--shadow-lg);
  display: flex;
  flex-direction: column;
  overflow: hidden;
  opacity: 0;
  visibility: hidden;
  transform: translateY(20px) scale(0.95);
  transition: opacity var(--transition-normal), transform var(--transition-normal), visibility var(--transition-normal);
  z-index: 1999;
}

.whatsapp-chat-bubble.active {
  opacity: 1;
  visibility: visible;
  transform: translateY(0) scale(1);
}

.whatsapp-bubble-close {
  position: absolute;
  top: 12px;
  right: 15px;
  color: rgba(255, 255, 255, 0.8);
  font-size: 20px;
  cursor: pointer;
  z-index: 10;
  transition: color var(--transition-fast);
  line-height: 1;
}

.whatsapp-bubble-close:hover {
  color: #ffffff;
}

.whatsapp-bubble-header {
  background-color: #0f4c81; /* Matches brand Navy primary */
  color: #ffffff;
  padding: 16px 20px;
  display: flex;
  align-items: center;
  gap: 12px;
  border-bottom: 2px solid var(--gold); /* Matches brand gold */
}

.whatsapp-avatar {
  width: 40px;
  height: 40px;
  border-radius: 50%;
  background-color: var(--gold);
  color: var(--primary-dark);
  font-weight: 700;
  font-size: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  border: 2px solid #ffffff;
}

.whatsapp-avatar-info {
  display: flex;
  flex-direction: column;
}

.whatsapp-avatar-info strong {
  font-size: 14px;
  font-weight: 600;
}

.whatsapp-avatar-info span {
  font-size: 11px;
  color: rgba(255, 255, 255, 0.7);
  display: flex;
  align-items: center;
  gap: 5px;
}

.whatsapp-avatar-info span::before {
  content: "";
  display: inline-block;
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background-color: #25d366;
}

.whatsapp-bubble-body {
  padding: 20px;
  background-color: var(--bg-primary);
}

.whatsapp-bubble-body p {
  background-color: var(--bg-secondary);
  color: var(--text-primary);
  padding: 12px 16px;
  border-radius: 0 12px 12px 12px;
  font-size: 13px;
  line-height: 1.5;
  box-shadow: var(--shadow-sm);
  margin: 0;
  position: relative;
}

/* Chat bubble indicator arrow */
.whatsapp-bubble-body p::before {
  content: "";
  position: absolute;
  left: -8px;
  top: 0;
  border-width: 0 8px 8px 0;
  border-style: solid;
  border-color: transparent var(--bg-secondary) transparent transparent;
}

.whatsapp-bubble-btn {
  margin: 0 20px 20px 20px;
  background-color: #25d366;
  color: #ffffff;
  text-decoration: none;
  font-weight: 700;
  font-size: 14px;
  padding: 10px 18px;
  border-radius: 20px;
  text-align: center;
  box-shadow: 0 2px 6px rgba(37, 211, 102, 0.2);
  transition: background-color var(--transition-fast), transform var(--transition-fast);
}

.whatsapp-bubble-btn:hover {
  background-color: #20ba5a;
  transform: translateY(-1px);
}

/* Mobile responsive adjustments */
@media (max-width: 768px) {
  .floating-whatsapp-container {
    bottom: 20px;
    right: 20px;
  }

  .floating-whatsapp-btn {
    width: 50px;
    height: 50px;
  }
  
  .floating-whatsapp-btn .whatsapp-icon {
    width: 26px;
    height: 26px;
  }

  .whatsapp-chat-bubble {
    width: 280px;
    bottom: 70px;
  }
}

/* Form loading and error styles */
.submit-btn.btn-loading {
  pointer-events: none;
  opacity: 0.8;
  position: relative;
}

.submit-btn.btn-loading::after {
  content: "";
  display: inline-block;
  width: 16px;
  height: 16px;
  margin-left: 10px;
  border: 2px solid rgba(255, 255, 255, 0.3);
  border-radius: 50%;
  border-top-color: #ffffff;
  animation: buttonSpinner 0.8s linear infinite;
  vertical-align: middle;
}

@keyframes buttonSpinner {
  to { transform: rotate(360deg); }
}

.form-error-message {
  background-color: rgba(239, 68, 68, 0.1);
  color: var(--error);
  border: 1px solid rgba(239, 68, 68, 0.2);
  padding: 12px 16px;
  border-radius: var(--border-radius-sm);
  margin-bottom: 20px;
  font-size: 14px;
  font-family: var(--font-primary);
  font-weight: 500;
  line-height: 1.5;
  display: none;
}