/* ==========================================
   HEADER & STICKY NAVBAR STYLING
   ========================================== */
.header-wrapper {
  position: fixed;
  top: 0;
  left: 0;
  width: 100%;
  height: var(--header-height);
  z-index: 1000;
  transition: var(--transition-normal);
}

.header-wrapper.scrolled {
  background: rgba(255, 255, 255, 0.85);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  border-bottom: 1px solid var(--border);
  box-shadow: var(--shadow-sm);
  height: 72px;
}

.nav-container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 100%;
}

.logo-link {
  display: flex;
  align-items: center;
  gap: 0.75rem;
}

.logo-img {
  height: 38px;
  width: auto;
  display: block;
}

.tagline-badge {
  display: inline-block;
  font-size: 0.65rem;
  font-weight: 800;
  color: var(--accent-purple);
  text-transform: uppercase;
  letter-spacing: 0.05em;
  background-color: var(--bg-lavender);
  padding: 0.2rem 0.6rem;
  border-radius: var(--radius-sm);
}

.nav-menu {
  display: flex;
  align-items: center;
  gap: 2.25rem;
  height: 100%;
}

.nav-item {
  position: relative;
  height: 100%;
  display: flex;
  align-items: center;
}

.nav-link {
  font-family: var(--font-headings);
  font-size: 0.95rem;
  font-weight: 600;
  color: var(--text-dark);
  display: flex;
  align-items: center;
  gap: 0.35rem;
  padding: 0.5rem 0;
}

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

.nav-link .chevron-icon {
  font-size: 0.7rem;
  transition: var(--transition-fast);
}

.nav-item:hover .chevron-icon {
  transform: rotate(180deg);
}

/* Mega Menu Dropdowns (Colorful & Glassmorphic) */
.mega-dropdown {
  position: absolute;
  top: 100%;
  left: 50%;
  transform: translateX(-50%) translateY(10px);
  background-color: rgba(255, 255, 255, 0.95);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-lg);
  padding: 1.5rem;
  width: 540px;
  opacity: 0;
  visibility: hidden;
  transition: var(--transition-normal);
  pointer-events: none;
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.25rem;
  z-index: 1010;
}

.mega-dropdown-two-col {
  width: 680px;
  grid-template-columns: 1.2fr 1fr;
  gap: 1.5rem;
}

.nav-item:hover .mega-dropdown {
  opacity: 1;
  visibility: visible;
  transform: translateX(-50%) translateY(0);
  pointer-events: auto;
}

.dropdown-col-title {
  font-size: 0.75rem;
  font-weight: 800;
  color: var(--accent-purple);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin-bottom: 0.75rem;
  padding-bottom: 0.5rem;
  border-bottom: 1px solid var(--border);
}

.dropdown-links {
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
}

.dropdown-card {
  display: flex;
  align-items: flex-start;
  gap: 1rem;
  padding: 0.85rem;
  border-radius: var(--radius-sm);
  transition: var(--transition-fast);
}

.dropdown-card:hover {
  background-color: var(--bg-lavender);
}

.dropdown-card-icon {
  background-color: var(--bg-lavender);
  color: var(--accent-purple);
  width: 42px;
  height: 42px;
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.15rem;
  flex-shrink: 0;
}

.dropdown-card-content h4 {
  font-size: 0.95rem;
  color: var(--primary);
  margin-bottom: 0.2rem;
}

.dropdown-card-content p {
  font-size: 0.8rem;
  color: var(--text-muted);
  line-height: 1.35;
}

.dropdown-highlight-box {
  background: var(--bg-peach);
  border-radius: var(--radius-sm);
  border: 1px solid rgba(255, 126, 64, 0.15);
  padding: 1.25rem;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
}

.dropdown-highlight-box h5 {
  font-size: 0.95rem;
  color: var(--accent-orange);
  margin-bottom: 0.5rem;
}

.dropdown-highlight-box p {
  font-size: 0.8rem;
  color: var(--text-muted);
  margin-bottom: 1rem;
}

.nav-actions {
  display: flex;
  align-items: center;
  gap: 1.25rem;
}

.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  width: 24px;
  cursor: pointer;
  z-index: 1020;
}

.hamburger span {
  width: 100%;
  height: 2px;
  background-color: var(--primary);
  border-radius: var(--radius-pill);
  transition: var(--transition-fast);
}

/* Mobile responsive menu */
@media (max-width: 991px) {
  .nav-menu {
    position: fixed;
    top: 0;
    right: -100%;
    width: 320px;
    height: 100vh;
    background-color: var(--white);
    box-shadow: var(--shadow-lg);
    flex-direction: column;
    align-items: flex-start;
    padding: 6rem 2rem 2rem 2rem;
    gap: 1.5rem;
    transition: var(--transition-normal);
    z-index: 999;
    overflow-y: auto;
  }
  
  .nav-menu.active {
    right: 0;
  }
  
  .nav-item {
    width: 100%;
    height: auto;
    flex-direction: column;
    align-items: flex-start;
  }
  
  .mega-dropdown, .mega-dropdown-two-col {
    position: static;
    transform: none !important;
    width: 100%;
    opacity: 1;
    visibility: visible;
    pointer-events: auto;
    box-shadow: none;
    border: none;
    padding: 0.5rem 0 0 1rem;
    display: none;
  }
  
  .nav-item.active .mega-dropdown {
    display: block;
  }
  
  .hamburger {
    display: flex;
  }
  
  .hamburger.active span:nth-child(1) {
    transform: translateY(7px) rotate(45deg);
  }
  
  .hamburger.active span:nth-child(2) {
    opacity: 0;
  }
  
  .hamburger.active span:nth-child(3) {
    transform: translateY(-7px) rotate(-45deg);
  }
}

/* ==========================================
   VIBRANT GRADIENT BUTTONS
   ========================================== */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 0.85rem 1.85rem;
  font-family: var(--font-headings);
  font-size: 0.95rem;
  font-weight: 700;
  border-radius: var(--radius-sm);
  transition: var(--transition-fast);
  gap: 0.5rem;
  position: relative;
  overflow: hidden;
  border: 1px solid transparent;
}

.btn-primary {
  background: var(--gradient-primary);
  color: var(--white);
  box-shadow: 0 4px 14px rgba(99, 102, 241, 0.3);
}

.btn-primary:hover {
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(99, 102, 241, 0.45);
}

.btn-orange {
  background: var(--gradient-orange);
  color: var(--white);
  box-shadow: 0 4px 14px rgba(255, 126, 64, 0.3);
}

.btn-orange:hover {
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(255, 126, 64, 0.45);
}

.btn-outline {
  border: 2px solid var(--accent-purple);
  color: var(--accent-purple);
  background-color: transparent;
}

.btn-outline:hover {
  background: var(--gradient-primary);
  /* color: var(--white); */
   color: black;
  transform: translateY(-2px);
  box-shadow: 0 4px 14px rgba(99, 102, 241, 0.3);
}

.btn-ghost {
  color: var(--accent-purple);
  background: transparent;
}

.btn-ghost:hover {
  background-color: var(--bg-lavender);
}

.btn-sm {
  padding: 0.55rem 1.25rem;
  font-size: 0.85rem;
}

/* ==========================================
   CARDS WITH SOFT PASTEL BACKGROUNDS & HOVER LIFT
   ========================================== */
.card {
  background-color: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 2.25rem;
  transition: var(--transition-normal);
  position: relative;
  box-shadow: var(--shadow-sm);
}

/* Colored highlight cards */
.card.lavender-card { background-color: var(--bg-lavender); border-color: rgba(124, 58, 237, 0.1); }
.card.peach-card { background-color: var(--bg-peach); border-color: rgba(255, 126, 64, 0.1); }
.card.blue-card { background-color: var(--bg-blue); border-color: rgba(99, 102, 241, 0.1); }
.card.beige-card { background-color: var(--bg-beige); border-color: rgba(175, 160, 140, 0.1); }

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

.card.lavender-card.card-hover:hover { border-color: var(--accent-purple); }
.card.peach-card.card-hover:hover { border-color: var(--accent-orange); }
.card.blue-card.card-hover:hover { border-color: var(--accent-indigo); }
.card.beige-card.card-hover:hover { border-color: #AF967E; }

.card-icon {
  width: 48px;
  height: 48px;
  background-color: var(--white);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.25rem;
  margin-bottom: 1.5rem;
  transition: var(--transition-fast);
  box-shadow: var(--shadow-sm);
}

.lavender-card .card-icon { color: var(--accent-purple); }
.peach-card .card-icon { color: var(--accent-orange); }
.blue-card .card-icon { color: var(--accent-indigo); }
.beige-card .card-icon { color: #8F765E; }

.card-hover:hover .card-icon {
  transform: scale(1.1);
  box-shadow: var(--shadow-md);
}

/* ==========================================
   FORM CONTROLS
   ========================================== */
.form-group {
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
  margin-bottom: 1.5rem;
}

.form-label {
  font-family: var(--font-headings);
  font-size: 0.875rem;
  font-weight: 700;
  color: var(--primary);
}

.form-control {
  width: 100%;
  padding: 0.85rem 1rem;
  background-color: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  font-size: 0.95rem;
  transition: var(--transition-fast);
}

.form-control:focus {
  border-color: var(--accent-purple);
  box-shadow: 0 0 0 4px rgba(124, 58, 237, 0.08);
}

textarea.form-control {
  resize: vertical;
  min-height: 120px;
}

/* ==========================================
   ACCORDIONS (FAQs)
   ========================================== */
.accordion {
  display: flex;
  flex-direction: column;
  gap: 1rem;
}

.accordion-item {
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  background-color: var(--white);
  overflow: hidden;
  transition: var(--transition-fast);
}

.accordion-item:hover {
  border-color: rgba(124, 58, 237, 0.25);
  box-shadow: var(--shadow-sm);
}

.accordion-header {
  padding: 1.25rem 1.5rem;
  display: flex;
  align-items: center;
  justify-content: space-between;
  cursor: pointer;
  user-select: none;
}

.accordion-title {
  font-family: var(--font-headings);
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--primary);
}

.accordion-icon {
  font-size: 0.85rem;
  color: var(--text-muted);
  transition: var(--transition-normal);
}

.accordion-item.active .accordion-icon {
  transform: rotate(180deg);
  color: var(--accent-purple);
}

.accordion-body {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.4s cubic-bezier(0.16, 1, 0.3, 1);
}

.accordion-content {
  padding: 0 1.5rem 1.5rem 1.5rem;
  color: var(--text-muted);
  line-height: 1.6;
}

/* ==========================================
   EMI CALCULATORS
   ========================================== */
.calculator-box {
  background-color: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 2.5rem;
  box-shadow: var(--shadow-md);
}

.slider-group {
  margin-bottom: 2.25rem;
}

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

.slider-title {
  font-family: var(--font-headings);
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--primary);
}

.slider-val-box {
  font-family: var(--font-headings);
  font-size: 1.15rem;
  font-weight: 800;
  color: var(--accent-purple);
  background-color: var(--bg-lavender);
  padding: 0.25rem 0.75rem;
  border-radius: var(--radius-sm);
}

.slider-input {
  -webkit-appearance: none;
  width: 100%;
  height: 6px;
  border-radius: var(--radius-pill);
  background: var(--border);
  outline: none;
}

.slider-input::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: var(--accent-purple);
  cursor: pointer;
  border: 3px solid var(--white);
  box-shadow: 0 2px 8px rgba(99, 102, 241, 0.3);
  transition: transform 0.1s ease;
}

.slider-input::-webkit-slider-thumb:hover {
  transform: scale(1.2);
}

.calc-results {
  background-color: var(--bg-light);
  border-radius: var(--radius-sm);
  padding: 1.75rem;
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
  text-align: center;
}

.calc-result-item span {
  display: block;
  font-size: 0.8rem;
  color: var(--text-muted);
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-bottom: 0.35rem;
}

.calc-result-item h3 {
  color: var(--primary);
  font-size: 1.5rem;
}

@media (max-width: 640px) {
  .calc-results {
    grid-template-columns: 1fr;
    gap: 1.25rem;
  }
}

/* ==========================================
   FOOTER STYLING
   ========================================== */
/* ==========================================
   FOOTER STYLING (Colorful Fintech Edition)
   ========================================== */
.footer {
  background: linear-gradient(135deg, #1F2A44 0%, #2D1B69 100%);
  color: var(--white);
  padding: 6.5rem 0 1.5rem 0;
  border-top: 2px solid rgba(124, 58, 237, 0.35);
  box-shadow: 0 -15px 40px rgba(124, 58, 237, 0.12);
  position: relative;
  overflow: hidden;
}

/* Background animated glow shapes inside footer */
.footer-bg-glow {
  position: absolute;
  inset: 0;
  pointer-events: none;
  z-index: 1;
}

.footer-glow-1 {
  position: absolute;
  top: -120px;
  right: -60px;
  width: 400px;
  height: 400px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(124, 58, 237, 0.18) 0%, rgba(124, 58, 237, 0) 70%);
  filter: blur(60px);
}

.footer-glow-2 {
  position: absolute;
  bottom: -60px;
  left: -60px;
  width: 350px;
  height: 350px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(99, 102, 241, 0.15) 0%, rgba(99, 102, 241, 0) 70%);
  filter: blur(50px);
}

.footer .container {
  position: relative;
  z-index: 2;
}

.footer-top {
  display: grid;
  grid-template-columns: 1.3fr repeat(4, 1fr);
  gap: 3rem;
  margin-bottom: 4rem;
  padding-bottom: 4rem;
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}

@media (max-width: 1024px) {
  .footer-top {
    grid-template-columns: repeat(2, 1fr);
    gap: 3rem;
  }
}

@media (max-width: 640px) {
  .footer-top {
    grid-template-columns: 1fr;
    gap: 2.5rem;
  }
}

.footer-brand {
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
}

.footer-logo {
  width: 160px;
  height: auto;
  max-width: 100%;
  align-self: flex-start;
  filter: brightness(0) invert(1);
}

.footer-desc {
  color: rgba(255, 255, 255, 0.65);
  font-size: 0.9rem;
  line-height: 1.6;
}

.footer-col-title {
  font-family: var(--font-headings);
  font-size: 0.85rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: rgba(255, 255, 255, 0.45);
  margin-bottom: 1.5rem;
}

.footer-links {
  display: flex;
  flex-direction: column;
  gap: 0.85rem;
}

.footer-links a {
  color: rgba(255, 255, 255, 0.75);
  font-size: 0.95rem;
  position: relative;
  display: inline-block;
  padding-bottom: 0.2rem;
  width: max-content;
}

/* Sliding Underline Link Effect */
.footer-links a::after {
  content: "";
  position: absolute;
  left: 0;
  bottom: 0;
  width: 0;
  height: 1.5px;
  background-color: var(--accent-orange);
  transition: width 0.3s cubic-bezier(0.16, 1, 0.3, 1);
}

.footer-links a:hover {
  color: var(--white);
}

.footer-links a:hover::after {
  width: 100%;
}

.footer-contact-item {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  font-size: 0.9rem;
  color: rgba(255, 255, 255, 0.75);
  line-height: 1.5;
}

.footer-contact-item i {
  color: var(--accent-orange);
  margin-top: 0.25rem;
}

.footer-contact-link {
  color: rgba(255, 255, 255, 0.75);
  transition: var(--transition-fast);
}

.footer-contact-link:hover {
  color: var(--white);
}

.footer-bottom {
  display: flex;
  align-items: center;
  justify-content: space-between;
  font-size: 0.85rem;
  color: rgba(255, 255, 255, 0.45);
}

/* Premium Round Social Buttons */
.footer-socials {
  display: flex;
  gap: 1rem;
}

.footer-socials a {
  font-size: 1.15rem;
  color: rgba(255, 255, 255, 0.6);
  width: 40px;
  height: 40px;
  border-radius: 50%;
  border: 1px solid rgba(255, 255, 255, 0.15);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  background-color: rgba(255, 255, 255, 0.02);
  transition: var(--transition-fast);
}

.footer-socials a:hover {
  color: var(--white);
  border-color: var(--accent-orange);
  background-color: rgba(255, 126, 64, 0.15);
  transform: translateY(-3px) scale(1.05);
  box-shadow: 0 4px 12px rgba(255, 126, 64, 0.25);
}

@media (max-width: 640px) {
  .footer-bottom {
    flex-direction: column;
    gap: 1.25rem;
    text-align: center;
  }
}

/* Rebuilt Circular Floating Back-to-Top Button */
.floating-back-to-top {
  position: fixed;
  bottom: 68px; /* Above the bottom rates ticker */
  right: 24px;
  width: 56px;
  height: 56px;
  border-radius: 50%;
  background: var(--gradient-primary);
  color: var(--white);
  border: none;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.25rem;
  box-shadow: 0 6px 20px rgba(99, 102, 241, 0.35);
  cursor: pointer;
  z-index: 9998;
  opacity: 0;
  visibility: hidden;
  transform: translateY(20px);
  transition: all 0.4s cubic-bezier(0.16, 1, 0.3, 1);
  outline: none;
}

.floating-back-to-top.show {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}

.floating-back-to-top:hover {
  transform: scale(1.1);
  box-shadow: 0 8px 26px rgba(99, 102, 241, 0.55);
}

.floating-back-to-top:active {
  transform: scale(0.95);
}

/* ==========================================
   AMBAK-STYLE FIXED BOTTOM MARQUEE TICKER
   ========================================== */
.bottom-ticker-wrap {
  position: fixed;
  bottom: 0;
  left: 0;
  width: 100%;
  height: 48px;
  background-color: #FFF0EB; /* Peach background */
  border-top: 1px solid #FFD8CC;
  z-index: 9999;
  overflow: hidden;
  display: flex;
  align-items: center;
}

.ticker-label {
  background-color: var(--accent-orange);
  color: var(--white);
  font-family: var(--font-headings);
  font-size: 0.75rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  padding: 0 1.25rem;
  height: 100%;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  z-index: 10;
  box-shadow: 4px 0 10px rgba(255, 126, 64, 0.15);
  flex-shrink: 0;
}

.ticker-label .live-dot {
  width: 8px;
  height: 8px;
  background-color: var(--white);
  border-radius: 50%;
  animation: pulse-glow 1.5s infinite;
}

/* Infinite Horizontal Marquee Animation */
.ticker-marquee-track {
  display: flex;
  align-items: center;
  gap: 3rem;
  padding-left: 2rem;
  width: max-content;
  animation: marquee-scroll 200s linear infinite;
  white-space: nowrap;
}

@keyframes marquee-scroll {
  0% {
    transform: translateX(0%);
  }
  100% {
    transform: translateX(-50%);
  }
}

.ticker-item {
  display: inline-flex;
  align-items: center;
  gap: 0.75rem;
  font-family: var(--font-headings);
  font-size: 0.85rem;
  font-weight: 600;
  color: #5C4A44;
}

.ticker-bank-badge {
  background-color: var(--white);
  border: 1px solid #FFEBE5;
  border-radius: var(--radius-sm);
  padding: 0.15rem 0.5rem;
  font-weight: 800;
  color: var(--primary);
  font-size: 0.8rem;
  box-shadow: var(--shadow-sm);
}

.ticker-rate-high {
  color: var(--accent-purple);
  font-weight: 800;
}