/* 
 * CREDIFIX - Premium Light Theme Style Sheet
 * Typography: Inter (Body) & Playfair Display / Montserrat (Headings)
 * Color Anchor: Blue & White (Deep Navy + Accent Blue + Light Teal Accent)
 */

@import url('https://fonts.googleapis.com/css2?family=Cormorant+Garamond:ital,wght@0,500;0,600;0,700;1,400&family=Inter:wght@300;400;500;600;700&family=Montserrat:wght@500;600;700;800&family=Playfair+Display:ital,wght@0,500;0,600;0,700;1,400&display=swap');

:root {
  /* Brand Colors from Logo */
  --primary-navy: #0A1E3F;        /* Deep Navy from Logo anchor */
  --primary-navy-rgb: 10, 30, 63;
  --accent-blue: #0077C8;         /* Bright sky/accent blue for highlights */
  --accent-blue-rgb: 0, 119, 200;
  --light-teal: #00D2C4;          /* Slogan decorative teal line accent */
  --light-teal-rgb: 0, 210, 196;
  
  /* Neutral Palette */
  --bg-light: #F8FAFC;            /* Dominant background off-white */
  --bg-white: #FFFFFF;            /* Cards and clean sheets white */
  --text-dark: #0F172A;           /* Charcoal/Navy body text */
  --text-muted: #475569;          /* Subtitles and supporting text */
  --text-light: #94A3B8;          /* Placeholder or very soft text */
  --border-color: #E2E8F0;        /* Subtle slate-200 border */
  --border-focus: #0077C8;        /* Input focus color */
  
  /* Shadows & Layouts */
  --shadow-sm: 0 1px 3px rgba(0,0,0,0.05);
  --shadow-md: 0 4px 6px -1px rgba(0,0,0,0.05), 0 2px 4px -1px rgba(0,0,0,0.03);
  --shadow-lg: 0 10px 15px -3px rgba(10,30,63,0.08), 0 4px 6px -2px rgba(10,30,63,0.04);
  --shadow-hover: 0 20px 25px -5px rgba(10,30,63,0.12), 0 10px 10px -5px rgba(10,30,63,0.06);
}

/* Global Reset & Base */
body {
  background-color: var(--bg-light);
  color: var(--text-dark);
  font-family: 'Inter', sans-serif;
  font-size: 15px;
  line-height: 1.6;
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
}

h1, h2, h3, h4, h5, h6, .font-heading {
  color: var(--primary-navy);
  font-family: 'Montserrat', sans-serif;
  font-weight: 700;
}

/* Serif style for selected wealth headings */
.font-serif {
  font-family: 'Playfair Display', 'Cormorant Garamond', Georgia, serif;
  font-weight: 600;
}

/* Header & Top Bar */
.top-bar-custom {
  background-color: var(--primary-navy);
  color: #FFFFFF;
}

.top-bar-custom a {
  color: rgba(255,255,255,0.85);
  transition: color 0.2s ease;
}

.top-bar-custom a:hover {
  color: var(--light-teal);
}

.navbar-custom {
  background-color: var(--bg-white);
  border-bottom: 1px solid var(--border-color);
  box-shadow: var(--shadow-sm);
  padding: 0.75rem 0;
  transition: all 0.3s ease;
}

.navbar-custom.scrolled {
  box-shadow: var(--shadow-md);
  padding: 0.5rem 0;
}

/* Hide Hamburger Menu Toggler */
.navbar-toggler {
  display: none !important;
}

/* Navbar Logo & Brand Name */
.brand-logo-icon {
  height: 80px !important;
  width: auto;
  object-fit: contain;
  transform: scale(1.1);
  transform-origin: left center;
  transition: transform 0.3s ease;
}

.navbar-brand:hover .brand-logo-icon {
  transform: scale(1.05);
}

.brand-name-main {
  font-size: 1.4rem;
  font-weight: 800;
  letter-spacing: 1px;
  line-height: 1;
  color: var(--primary-navy) !important;
}

.brand-name-sub {
  font-size: 0.68rem;
  font-weight: 800;
  letter-spacing: 3.5px;
  line-height: 1;
  margin-top: 3px;
  color: var(--accent-blue) !important;
}

.nav-link {
  color: var(--text-muted);
  font-weight: 600;
  font-size: 0.9rem;
  padding: 0.5rem 1rem !important;
  transition: all 0.2s ease;
}

.nav-link:hover, .nav-link.active {
  color: var(--accent-blue) !important;
}

/* Layout Padding & Sections */
section {
  position: relative;
}

.bg-white-section {
  background-color: var(--bg-white);
}

.bg-light-section {
  background-color: var(--bg-light);
}

.section-padding {
  padding: 5rem 0;
}

.section-tag {
  color: var(--accent-blue);
  font-family: 'Montserrat', sans-serif;
  font-weight: 700;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  font-size: 0.8rem;
  display: inline-block;
  margin-bottom: 0.75rem;
  border-bottom: 2px solid var(--light-teal);
  padding-bottom: 3px;
}

/* Hero Section */
.hero-section {
  padding: 6rem 0;
  background: radial-gradient(circle at 10% 20%, rgba(0, 119, 200, 0.04) 0%, transparent 50%),
              radial-gradient(circle at 90% 80%, rgba(0, 210, 196, 0.04) 0%, transparent 50%);
  border-bottom: 1px solid var(--border-color);
}

.hero-title {
  font-size: 3rem;
  font-weight: 800;
  line-height: 1.2;
  letter-spacing: -0.5px;
  color: var(--primary-navy);
}

.hero-subtitle {
  font-size: 1.15rem;
  color: var(--text-muted);
  line-height: 1.6;
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.5rem 1.25rem;
  border-radius: 30px;
  background-color: rgba(0, 119, 200, 0.08);
  border: 1px solid rgba(0, 119, 200, 0.2);
  color: var(--accent-blue);
  font-size: 0.85rem;
  font-weight: 600;
  margin-bottom: 1.5rem;
}

/* Key Metrics Counter */
.metric-card {
  background-color: var(--bg-white);
  border: 1px solid var(--border-color);
  border-radius: 12px;
  box-shadow: var(--shadow-sm);
  padding: 1.25rem;
  text-align: center;
  transition: all 0.3s ease;
}

.metric-card:hover {
  transform: translateY(-2px);
  box-shadow: var(--shadow-md);
  border-color: var(--accent-blue);
}

.metric-number {
  font-size: 1.8rem;
  font-weight: 800;
  color: var(--primary-navy);
  margin-bottom: 0.25rem;
}

.metric-label {
  font-size: 0.8rem;
  color: var(--text-muted);
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.5px;
}

/* Form Design (Premium Light Theme) */
.form-card {
  background-color: var(--bg-white);
  border: 1px solid var(--border-color);
  border-radius: 16px;
  box-shadow: var(--shadow-lg);
  padding: 2.25rem;
}

.form-label {
  font-weight: 600;
  font-size: 0.85rem;
  color: var(--text-muted);
  margin-bottom: 0.5rem;
}

.form-control, .form-select {
  background-color: var(--bg-light);
  border: 1px solid var(--border-color);
  color: var(--text-dark);
  border-radius: 10px;
  padding: 0.75rem 1rem;
  font-size: 15px;
  transition: all 0.3s ease;
}

.form-control:focus, .form-select:focus {
  background-color: var(--bg-white);
  border-color: var(--border-focus);
  color: var(--text-dark);
  box-shadow: 0 0 0 4px rgba(0, 119, 200, 0.15);
  outline: none;
}

/* Buttons System */
.btn-primary-navy {
  background-color: var(--primary-navy);
  color: #FFFFFF;
  font-family: 'Montserrat', sans-serif;
  font-weight: 700;
  font-size: 0.9rem;
  letter-spacing: 0.5px;
  border: none;
  border-radius: 10px;
  padding: 0.85rem 1.75rem;
  transition: all 0.3s ease;
  box-shadow: 0 4px 6px rgba(10, 30, 63, 0.15);
}

.btn-primary-navy:hover {
  background-color: var(--accent-blue);
  color: #FFFFFF;
  transform: translateY(-2px);
  box-shadow: 0 8px 12px rgba(0, 119, 200, 0.2);
}

.btn-accent-blue {
  background-color: var(--accent-blue);
  color: #FFFFFF;
  font-family: 'Montserrat', sans-serif;
  font-weight: 700;
  font-size: 0.9rem;
  letter-spacing: 0.5px;
  border: none;
  border-radius: 10px;
  padding: 0.85rem 1.75rem;
  transition: all 0.3s ease;
  box-shadow: 0 4px 6px rgba(0, 119, 200, 0.15);
}

.btn-accent-blue:hover {
  background-color: var(--primary-navy);
  color: #FFFFFF;
  transform: translateY(-2px);
  box-shadow: 0 8px 12px rgba(10, 30, 63, 0.2);
}

.btn-outline-custom {
  background-color: transparent;
  color: var(--primary-navy);
  font-family: 'Montserrat', sans-serif;
  font-weight: 700;
  font-size: 0.9rem;
  letter-spacing: 0.5px;
  border: 2px solid var(--primary-navy);
  border-radius: 10px;
  padding: 0.75rem 1.6rem;
  transition: all 0.3s ease;
}

.btn-outline-custom:hover {
  background-color: var(--primary-navy);
  color: #FFFFFF;
  transform: translateY(-2px);
}

/* Card Design System */
.premium-card {
  background-color: var(--bg-white);
  border: 1px solid var(--border-color);
  border-radius: 16px;
  box-shadow: var(--shadow-sm);
  padding: 2rem;
  transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
  display: flex;
  flex-direction: column;
  height: 100%;
}

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

/* Icon Box System */
.icon-box-primary {
  width: 54px;
  height: 54px;
  border-radius: 12px;
  background-color: rgba(10, 30, 63, 0.06);
  border: 1px solid rgba(10, 30, 63, 0.1);
  color: var(--primary-navy);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.6rem;
  margin-bottom: 1.25rem;
  transition: all 0.3s ease;
}

.premium-card:hover .icon-box-primary {
  background-color: var(--primary-navy);
  color: #FFFFFF;
}

.icon-box-accent {
  width: 54px;
  height: 54px;
  border-radius: 12px;
  background-color: rgba(0, 119, 200, 0.08);
  border: 1px solid rgba(0, 119, 200, 0.15);
  color: var(--accent-blue);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.6rem;
  margin-bottom: 1.25rem;
  transition: all 0.3s ease;
}

.premium-card:hover .icon-box-accent {
  background-color: var(--accent-blue);
  color: #FFFFFF;
}

/* Trust Strips & Logos */
.trust-strip {
  background-color: var(--bg-white);
  border-top: 1px solid var(--border-color);
  border-bottom: 1px solid var(--border-color);
  padding: 1.25rem 0;
}

.trust-item {
  font-size: 0.88rem;
  font-weight: 700;
  color: var(--primary-navy);
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
}

.trust-item i {
  color: var(--accent-blue);
  font-size: 1.1rem;
}

/* rotating logos stripe */
.logo-stripe-container {
  overflow: hidden;
  padding: 1.5rem 0;
  background-color: var(--bg-white);
  border-bottom: 1px solid var(--border-color);
}

.logo-stripe-scroll {
  display: flex;
  align-items: center;
  gap: 3rem;
  width: max-content;
  animation: logoScroll 35s linear infinite;
}

.logo-stripe-scroll img, .logo-stripe-scroll svg {
  max-height: 38px;
  width: auto;
  filter: grayscale(100%) opacity(60%);
  transition: all 0.2s ease;
}

.logo-stripe-scroll img:hover, .logo-stripe-scroll svg:hover {
  filter: grayscale(0%) opacity(100%);
}

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

/* Breadcrumbs Styling */
.breadcrumb-container {
  background-color: var(--bg-light);
  padding: 0.75rem 0;
  border-bottom: 1px solid var(--border-color);
}

.breadcrumb-custom {
  margin-bottom: 0;
  font-size: 0.85rem;
}

.breadcrumb-custom a {
  color: var(--text-muted);
  text-decoration: none;
  font-weight: 600;
}

.breadcrumb-custom a:hover {
  color: var(--accent-blue);
}

.breadcrumb-custom .active {
  color: var(--text-light);
}

/* CEO / Expert Byline Elements */
.expert-byline-card {
  background-color: var(--bg-white);
  border: 1px solid var(--border-color);
  border-radius: 16px;
  padding: 2.25rem;
  box-shadow: var(--shadow-sm);
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  height: 100%;
}

@media (min-width: 768px) {
  .expert-byline-card {
    flex-direction: row;
    text-align: left;
    gap: 2rem;
    align-items: center;
  }
}

.expert-photo-frame {
  width: 180px;
  height: 240px;
  border-radius: 12px;
  overflow: hidden;
  border: 3px solid var(--primary-navy);
  box-shadow: var(--shadow-md);
  margin-bottom: 1rem;
  flex-shrink: 0;
}

.expert-photo-frame img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center top;
}

.expert-name {
  font-size: 1.35rem;
  font-weight: 800;
  color: var(--primary-navy);
  margin-bottom: 0.25rem;
}

.expert-title {
  font-size: 0.88rem;
  font-weight: 700;
  color: var(--accent-blue);
  text-transform: uppercase;
  letter-spacing: 0.5px;
  margin-bottom: 0.75rem;
}

.expert-bio {
  font-size: 0.9rem;
  color: var(--text-muted);
  line-height: 1.5;
}

/* Partners Listing Box */
.bank-logo-box-light {
  width: 56px;
  height: 56px;
  border-radius: 10px;
  background: var(--bg-light);
  border: 1px solid var(--border-color);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 0.75rem;
  transition: all 0.2s ease;
}

.premium-card:hover .bank-logo-box-light {
  background: #FFFFFF;
  border-color: var(--accent-blue);
  box-shadow: var(--shadow-sm);
}

/* Micro Trust Signs */
.micro-trust {
  font-size: 0.75rem;
  color: var(--text-muted);
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0.35rem;
  margin-top: 0.75rem;
}

.micro-trust i {
  color: #10B981; /* verified emerald green */
}

/* Blog Components */
.blog-hub-header {
  padding: 5rem 0 3rem;
  background-color: var(--primary-navy);
  color: #FFFFFF;
}

.blog-hub-header h1 {
  color: #FFFFFF;
}

.blog-card {
  background-color: var(--bg-white);
  border: 1px solid var(--border-color);
  border-radius: 16px;
  box-shadow: var(--shadow-sm);
  overflow: hidden;
  transition: all 0.3s ease;
  height: 100%;
  display: flex;
  flex-direction: column;
}

.blog-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
  border-color: var(--accent-blue);
}

.blog-card-img {
  width: 100%;
  height: 200px;
  object-fit: cover;
  border-bottom: 1px solid var(--border-color);
}

.blog-card-body {
  padding: 1.5rem;
  flex: 1;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
}

.blog-card-tag {
  background-color: rgba(0, 119, 200, 0.08);
  color: var(--accent-blue);
  font-size: 0.75rem;
  font-weight: 700;
  padding: 0.25rem 0.65rem;
  border-radius: 20px;
  display: inline-block;
  margin-bottom: 0.75rem;
}

.blog-card-title {
  font-size: 1.15rem;
  font-weight: 700;
  line-height: 1.4;
  margin-bottom: 0.5rem;
}

.blog-card-title a {
  color: var(--primary-navy);
  text-decoration: none;
}

.blog-card-title a:hover {
  color: var(--accent-blue);
}

.blog-card-excerpt {
  color: var(--text-muted);
  font-size: 0.88rem;
  margin-bottom: 1rem;
}

.blog-card-meta {
  display: flex;
  align-items: center;
  justify-content: space-between;
  border-top: 1px solid var(--border-color);
  padding-top: 0.75rem;
  margin-top: auto;
  font-size: 0.8rem;
  color: var(--text-light);
}

.blog-card-author {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  color: var(--text-muted);
  font-weight: 600;
}

.blog-card-author img {
  width: 24px;
  height: 24px;
  border-radius: 50%;
}

/* Blog Single Page Layout */
.blog-post-header {
  padding: 4rem 0 3rem;
  border-bottom: 1px solid var(--border-color);
  background-color: var(--bg-white);
}

.blog-post-content {
  font-size: 1.05rem;
  line-height: 1.75;
  color: #334155; /* slate-700 */
}

.blog-post-content p {
  margin-bottom: 1.5rem;
}

.blog-post-content h2 {
  font-size: 1.65rem;
  margin-top: 2.5rem;
  margin-bottom: 1rem;
}

.blog-post-content h3 {
  font-size: 1.3rem;
  margin-top: 2rem;
  margin-bottom: 0.8rem;
}

.toc-card {
  background-color: var(--bg-light);
  border: 1px solid var(--border-color);
  border-radius: 12px;
  padding: 1.5rem;
  margin-bottom: 2rem;
}

.toc-title {
  font-size: 0.95rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  margin-bottom: 0.75rem;
  color: var(--primary-navy);
}

.toc-list {
  list-style: none;
  padding-left: 0;
  margin-bottom: 0;
}

.toc-list li {
  margin-bottom: 0.5rem;
}

.toc-list li a {
  color: var(--text-muted);
  text-decoration: none;
  font-weight: 500;
  font-size: 0.9rem;
}

.toc-list li a:hover {
  color: var(--accent-blue);
  text-decoration: underline;
}

.blog-cta-box {
  background: linear-gradient(135deg, var(--primary-navy) 0%, #112F5D 100%);
  color: #FFFFFF;
  border-radius: 16px;
  padding: 2.25rem;
  margin: 2.5rem 0;
  box-shadow: var(--shadow-lg);
}

.blog-cta-box h4 {
  color: #FFFFFF;
  font-size: 1.35rem;
  margin-bottom: 0.5rem;
}

.blog-cta-box p {
  color: rgba(255,255,255,0.85);
  font-size: 0.95rem;
  margin-bottom: 1.25rem;
}

/* Footer Section */
.footer-custom {
  background-color: var(--primary-navy);
  color: rgba(255,255,255,0.7);
  border-top: 1px solid rgba(255,255,255,0.1);
  padding: 4rem 0 2rem;
  font-size: 0.9rem;
}

.footer-custom h5 {
  color: #FFFFFF;
  font-size: 1.05rem;
  margin-bottom: 1.25rem;
  font-weight: 700;
}

.footer-custom a {
  color: rgba(255,255,255,0.7);
  text-decoration: none;
  transition: all 0.2s ease;
}

.footer-custom a:hover {
  color: var(--light-teal);
  padding-left: 3px;
}

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.1);
  padding-top: 1.5rem;
  margin-top: 2.5rem;
  font-size: 0.8rem;
}

/* ==========================================================================
   AI CHATBOT WIDGET STYLES (Light Premium Theme Style)
   ========================================================================== */

.floating-chat-btn {
  position: fixed !important;
  bottom: 25px !important;
  right: 25px !important;
  width: 56px !important;
  height: 56px !important;
  border-radius: 50% !important;
  background: #25D366 !important; /* WhatsApp Green */
  color: #FFFFFF !important;
  display: flex !important;
  align-items: center !important;
  justify-content: center !important;
  font-size: 1.8rem !important;
  box-shadow: 0 4px 15px rgba(37, 211, 102, 0.4) !important;
  z-index: 9999999 !important;
  transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1) !important;
  cursor: pointer !important;
  text-decoration: none !important;
  border: none !important;
  outline: none !important;
}

.floating-chat-btn:hover {
  transform: scale(1.1) rotate(5deg) !important;
  box-shadow: 0 8px 25px rgba(37, 211, 102, 0.6) !important;
}

.chatbot-window {
  position: fixed !important;
  bottom: 95px !important;
  right: 25px !important;
  width: 360px !important;
  max-width: calc(100vw - 50px) !important;
  height: 480px !important;
  max-height: calc(100vh - 140px) !important;
  background: var(--bg-white) !important;
  border: 1px solid var(--border-color) !important;
  border-radius: 16px !important;
  box-shadow: 0 10px 30px rgba(10, 30, 63, 0.15) !important;
  display: none;
  flex-direction: column !important;
  z-index: 9999999 !important;
  overflow: hidden;
}

.chatbot-window.active {
  display: flex !important;
}

.chatbot-header {
  background: linear-gradient(135deg, var(--primary-navy) 0%, #112F5D 100%) !important;
  color: #FFFFFF !important;
  padding: 12px 16px;
  display: flex;
  align-items: center;
  justify-content: space-between;
}

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

.chatbot-avatar {
  width: 32px;
  height: 32px;
  border-radius: 50%;
  background: rgba(255,255,255,0.2);
  color: #FFFFFF;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.1rem;
}

.chatbot-body {
  flex: 1;
  padding: 16px;
  overflow-y: auto;
  display: flex;
  flex-direction: column;
  gap: 12px;
  font-size: 0.88rem;
  background-color: var(--bg-light);
}

.chat-bubble {
  max-width: 85%;
  padding: 10px 14px;
  border-radius: 14px;
  line-height: 1.4;
  word-wrap: break-word;
}

.chat-bubble-bot {
  background: var(--bg-white);
  border: 1px solid var(--border-color);
  color: var(--text-dark);
  align-self: flex-start;
  border-bottom-left-radius: 4px;
}

.chat-bubble-user {
  background: var(--accent-blue);
  color: #FFFFFF;
  align-self: flex-end;
  border-bottom-right-radius: 4px;
  box-shadow: 0 2px 4px rgba(0, 119, 200, 0.15);
}

.chat-options-container {
  display: flex;
  flex-wrap: wrap;
  gap: 6px;
  margin-top: 8px;
}

.chat-option-pill {
  background: var(--bg-white);
  border: 1px solid var(--border-color);
  color: var(--accent-blue);
  padding: 5px 10px;
  border-radius: 20px;
  font-size: 0.75rem;
  font-weight: 600;
  cursor: pointer;
  transition: all 0.2s ease;
}

.chat-option-pill:hover {
  background: var(--accent-blue);
  border-color: var(--accent-blue);
  color: #FFFFFF;
  box-shadow: var(--shadow-sm);
}

.chatbot-footer {
  padding: 12px;
  border-top: 1px solid var(--border-color);
  background: var(--bg-white) !important;
}

.chatbot-input-group {
  display: flex;
  gap: 8px;
}

.chatbot-input {
  flex: 1;
  background: var(--bg-light);
  border: 1px solid var(--border-color);
  color: var(--text-dark);
  border-radius: 10px;
  padding: 8px 12px;
  font-size: 0.85rem;
}

.chatbot-input:focus {
  outline: none;
  background-color: var(--bg-white);
  border-color: var(--accent-blue);
}

.chatbot-send-btn {
  background: var(--accent-blue);
  color: #FFFFFF;
  border: none;
  border-radius: 10px;
  width: 38px;
  height: 38px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.1rem;
  cursor: pointer;
  transition: background 0.2s ease;
}

.chatbot-send-btn:hover {
  background-color: var(--primary-navy);
}

.send-whatsapp-history-btn {
  background: linear-gradient(135deg, #25D366 0%, #128C7E 100%);
  color: #ffffff;
  border: none;
  border-radius: 10px;
  padding: 8px 14px;
  font-size: 0.8rem;
  font-weight: 700;
  width: 100%;
  margin-top: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 6px;
  cursor: pointer;
  box-shadow: 0 4px 10px rgba(37, 211, 102, 0.2);
}

/* ==========================================================================
   RESPONSIVE MOBILE VIEW OPTIMIZATIONS (Max-Width 991px & 576px)
   ========================================================================== */

@media (max-width: 991.98px) {
  /* Hide Top Utility Bar on Mobile to keep header clean */
  .top-bar-custom {
    display: none !important;
  }

  body {
    padding-bottom: 65px !important; /* Space for fixed bottom dock */
  }

  /* Show Floating Chat Button ONLY above mobile dock */
  .floating-chat-btn {
    bottom: 78px !important;
    right: 16px !important;
    width: 50px !important;
    height: 50px !important;
    font-size: 1.6rem !important;
  }

  /* Chatbot window above mobile bottom nav */
  .chatbot-window {
    bottom: 135px !important;
    right: 16px !important;
    width: calc(100vw - 32px) !important;
    height: 400px !important;
  }

  /* Show Mobile Bottom Nav Dock ONLY on Mobile */
  .mobile-bottom-nav {
    position: fixed !important;
    bottom: 0 !important;
    left: 0 !important;
    right: 0 !important;
    height: 60px !important;
    background: var(--bg-white) !important;
    border-top: 1px solid var(--border-color) !important;
    display: flex !important;
    align-items: center !important;
    justify-content: space-around !important;
    z-index: 99999 !important;
    padding: 0 4px !important;
    box-shadow: 0 -3px 15px rgba(10, 30, 63, 0.08) !important;
  }

  .mobile-nav-item {
    display: flex !important;
    flex-direction: column !important;
    align-items: center !important;
    justify-content: center !important;
    color: var(--text-muted) !important;
    text-decoration: none !important;
    font-size: 0.62rem !important;
    font-weight: 700 !important;
    letter-spacing: 0.5px !important;
    text-transform: uppercase !important;
    transition: all 0.2s ease !important;
    width: 20% !important;
    text-align: center !important;
  }

  .mobile-nav-item i {
    font-size: 1.2rem !important;
    margin-bottom: 2px !important;
  }

  .mobile-nav-item:hover, .mobile-nav-item.active {
    color: var(--accent-blue) !important;
  }

  .navbar-collapse {
    background: var(--bg-white);
    border: 1px solid var(--border-color);
    border-radius: 12px;
    padding: 1rem;
    margin-top: 0.75rem;
    box-shadow: var(--shadow-lg);
  }
}

@media (max-width: 768px) {
  .hero-section {
    padding: 4rem 0;
  }
  
  .hero-title {
    font-size: 2.2rem;
  }

  .section-padding {
    padding: 3.5rem 0;
  }

  .display-5 {
    font-size: 1.9rem;
  }

  .display-6 {
    font-size: 1.6rem;
  }

  .filter-scroll-wrapper {
    overflow-x: auto;
    white-space: nowrap;
    -webkit-overflow-scrolling: touch;
    padding-bottom: 0.5rem;
  }
}

@media (max-width: 576px) {
  .brand-name-main {
    font-size: 1.2rem !important;
  }

  .brand-name-sub {
    font-size: 0.6rem !important;
    letter-spacing: 2.5px !important;
  }
  
  .hero-badge {
    font-size: 0.75rem;
    padding: 0.4rem 0.8rem;
    width: 100%;
    justify-content: center;
  }

  .hero-title {
    font-size: 1.8rem;
  }

  .form-card {
    padding: 1.5rem !important;
  }

  /* Bank Partner stripe adjustment */
  .logo-stripe-scroll {
    gap: 1.75rem;
  }

  .brand-logo-icon {
    height: 56px !important;
  }
}

.logo-stripe-item {
  font-size: 1.3rem !important;
  font-weight: 700 !important;
  color: var(--primary-navy) !important;
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0 1.5rem;
  text-decoration: none;
}