:root {
  --bg-page: #f5f4f0;
  --bg-surface: #ffffff;
  --navy-dark: #0a192f;
  --navy-main: #112240;
  --gold-primary: #c5a059;
  --gold-hover: #b08d44;
  --gold-light: #fbf6ec;
  --success: #0d9488;
  --warning: #d97706;
  --danger: #dc2626;
  --text-main: #0f172a;
  --text-muted: #57606a;
  --border: #d8dee4;
  --shadow: 0 10px 30px rgba(10, 25, 47, 0.08);
}

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

body {
  font-family: 'Segoe UI', -apple-system, BlinkMacSystemFont, Roboto, 'Helvetica Neue', Arial, sans-serif;
  background-color: var(--bg-page);
  color: var(--text-main);
  line-height: 1.55;
  min-height: 100vh;
  display: flex;
  flex-direction: column;
}

.hidden {
  display: none !important;
}

/* Header & Navigation */
.top-navbar {
  background: linear-gradient(135deg, #071120 0%, #112240 100%);
  border-bottom: 3px solid var(--gold-primary);
  color: #fff;
  padding: 12px 28px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 14px;
  box-shadow: 0 4px 18px rgba(0, 0, 0, 0.22);
  position: sticky;
  top: 0;
  z-index: 100;
}

.brand {
  display: flex;
  align-items: center;
  gap: 14px;
}

.brand-logo {
  width: 44px;
  height: 44px;
  background: linear-gradient(135deg, #d4af37, #a67c1e);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 800;
  font-size: 1.05rem;
  letter-spacing: 1px;
  color: #071120;
  box-shadow: 0 2px 10px rgba(212, 175, 55, 0.35);
}

.brand-title {
  font-weight: 800;
  font-size: 1.12rem;
  letter-spacing: 0.5px;
  color: #f8fafc;
}

.brand-subtitle {
  font-size: 0.76rem;
  color: #d4af37;
  font-weight: 500;
}

.main-nav-links {
  display: flex;
  align-items: center;
  gap: 6px;
}

.nav-link {
  background: transparent;
  border: none;
  color: #cbd5e1;
  font-size: 0.92rem;
  font-weight: 600;
  padding: 8px 14px;
  border-radius: 6px;
  cursor: pointer;
  transition: all 0.18s ease;
}

.nav-link:hover,
.nav-link.active {
  color: #f3d27a;
  background: rgba(197, 160, 89, 0.15);
}

.nav-right-wrap {
  display: flex;
  align-items: center;
  gap: 10px;
  flex-wrap: wrap;
}

.nav-user-section {
  display: flex;
  align-items: center;
  gap: 8px;
  flex-wrap: wrap;
}

.user-badge {
  background: rgba(197, 160, 89, 0.16);
  border: 1px solid rgba(197, 160, 89, 0.45);
  color: #f8fafc;
  padding: 5px 12px;
  border-radius: 20px;
  font-size: 0.82rem;
  font-weight: 600;
}

/* Hero Slider Carousel */
.hero-slider {
  position: relative;
  width: 100%;
  height: 490px;
  overflow: hidden;
  background: #071120;
}

.hero-slide {
  position: absolute;
  inset: 0;
  opacity: 0;
  visibility: hidden;
  transition: opacity 0.7s ease, visibility 0.7s ease;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 40px 24px;
  text-align: center;
  color: #fff;
}

.hero-slide.active {
  opacity: 1;
  visibility: visible;
  z-index: 2;
}

.hero-slide-content {
  max-width: 850px;
  animation: slideUpFade 0.65s ease;
}

@keyframes slideUpFade {
  from {
    opacity: 0;
    transform: translateY(18px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

.hero-pill {
  display: inline-block;
  background: rgba(212, 175, 55, 0.22);
  border: 1px solid #d4af37;
  color: #f3d27a;
  font-size: 0.8rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 1.2px;
  padding: 5px 14px;
  border-radius: 99px;
  margin-bottom: 16px;
}

.hero-slide-content h1 {
  font-size: 2.5rem;
  line-height: 1.2;
  font-weight: 800;
  margin-bottom: 16px;
  color: #ffffff;
}

.hero-slide-content p {
  font-size: 1.08rem;
  color: #dbe4f0;
  max-width: 720px;
  margin: 0 auto 28px;
}

.hero-cta-group {
  display: flex;
  justify-content: center;
  gap: 14px;
  flex-wrap: wrap;
}

.hero-outline-btn {
  background: rgba(255, 255, 255, 0.08) !important;
  color: #fff !important;
  border-color: rgba(255, 255, 255, 0.4) !important;
}
.hero-outline-btn:hover {
  background: rgba(255, 255, 255, 0.2) !important;
}

.slider-arrow {
  position: absolute;
  top: 50%;
  transform: translateY(-50%);
  z-index: 5;
  background: rgba(7, 17, 32, 0.65);
  border: 1px solid rgba(212, 175, 55, 0.5);
  color: #f3d27a;
  width: 44px;
  height: 44px;
  border-radius: 50%;
  font-size: 1.2rem;
  cursor: pointer;
  transition: all 0.2s ease;
}
.slider-arrow:hover {
  background: var(--gold-primary);
  color: #071120;
}
.slider-arrow.prev {
  left: 24px;
}
.slider-arrow.next {
  right: 24px;
}

.slider-dots {
  position: absolute;
  bottom: 20px;
  left: 50%;
  transform: translateX(-50%);
  z-index: 5;
  display: flex;
  gap: 10px;
}

.slider-dot {
  width: 12px;
  height: 12px;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.35);
  cursor: pointer;
  transition: all 0.2s ease;
}
.slider-dot.active {
  background: #d4af37;
  width: 28px;
  border-radius: 10px;
}

/* Highlights Strip */
.highlights-strip {
  background: #0b192e;
  border-bottom: 2px solid var(--gold-primary);
  color: #fff;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  padding: 20px 32px;
  text-align: center;
  gap: 16px;
}

.highlight-box strong {
  display: block;
  font-size: 1.3rem;
  color: #f3d27a;
}

.highlight-box span {
  font-size: 0.84rem;
  color: #cbd5e1;
}

/* Content Cards (Home, About, Services, Contact) */
.section-title-center {
  text-align: center;
  max-width: 680px;
  margin: 24px auto 32px;
}

.eyebrow {
  display: inline-block;
  font-size: 0.78rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 1px;
  color: #9a7426;
  margin-bottom: 6px;
}

.section-title-center h2 {
  font-size: 1.8rem;
  color: var(--navy-dark);
  margin-bottom: 8px;
}

.section-title-center p {
  color: var(--text-muted);
}

.feature-card,
.service-card,
.content-card {
  background: #fff;
  border-radius: 10px;
  border: 1px solid var(--border);
  border-top: 4px solid var(--gold-primary);
  padding: 26px;
  box-shadow: var(--shadow);
}

.feature-icon {
  width: 42px;
  height: 42px;
  border-radius: 8px;
  background: var(--navy-main);
  color: #f3d27a;
  font-weight: 800;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 14px;
}

.feature-card h3,
.service-card h3,
.value-box h3 {
  color: var(--navy-dark);
  margin-bottom: 8px;
  font-size: 1.15rem;
}

.feature-card p,
.service-card p,
.value-box p {
  color: var(--text-muted);
  font-size: 0.9rem;
}

.service-badge {
  display: inline-block;
  background: var(--gold-light);
  border: 1px solid var(--gold-primary);
  color: #8a641b;
  font-size: 0.74rem;
  font-weight: 700;
  padding: 3px 10px;
  border-radius: 99px;
  margin-bottom: 10px;
}

.service-list {
  list-style: none;
  margin-top: 14px;
  padding-top: 12px;
  border-top: 1px solid var(--border);
  font-size: 0.86rem;
}

.service-list li {
  margin-bottom: 6px;
  color: var(--navy-main);
  font-weight: 600;
}
.service-list li::before {
  content: "✓ ";
  color: var(--gold-primary);
  font-weight: 800;
}

.about-stats-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 14px;
}

.stat-tile {
  background: var(--gold-light);
  border: 1px solid var(--gold-primary);
  border-radius: 8px;
  padding: 20px;
  text-align: center;
}

.stat-tile strong {
  display: block;
  font-size: 1.8rem;
  color: var(--navy-dark);
}

.stat-tile span {
  font-size: 0.84rem;
  color: var(--text-muted);
  font-weight: 600;
}

.contact-info-list {
  display: grid;
  gap: 16px;
}

.contact-item {
  padding: 12px 14px;
  background: #f8fafc;
  border-left: 3px solid var(--gold-primary);
  border-radius: 6px;
}

.contact-item strong {
  display: block;
  color: var(--navy-dark);
  font-size: 0.9rem;
}

.contact-item p {
  font-size: 0.88rem;
  color: var(--text-muted);
}

/* Decision Notification Banners (Approved Congratulations vs Denied Reason) */
.decision-banner-approved {
  background: linear-gradient(135deg, #ecfdf5 0%, #d1fae5 100%);
  border: 2px solid #10b981;
  border-radius: 10px;
  padding: 18px 22px;
  margin-top: 14px;
  color: #065f46;
}

.decision-banner-approved h4 {
  font-size: 1.12rem;
  color: #047857;
  margin-bottom: 6px;
}

.decision-banner-denied {
  background: linear-gradient(135deg, #fef2f2 0%, #fee2e2 100%);
  border: 2px solid #ef4444;
  border-radius: 10px;
  padding: 18px 22px;
  margin-top: 14px;
  color: #7f1d1d;
}

.decision-banner-denied h4 {
  font-size: 1.12rem;
  color: #b91c1c;
  margin-bottom: 6px;
}

/* Buttons */
.btn {
  border: none;
  border-radius: 6px;
  padding: 10px 18px;
  font-size: 0.92rem;
  font-weight: 600;
  cursor: pointer;
  transition: all 0.18s ease;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 6px;
}

.btn-primary {
  background: var(--navy-main);
  color: #fff;
  border: 1px solid var(--gold-primary);
}
.btn-primary:hover {
  background: var(--navy-dark);
  box-shadow: 0 4px 12px rgba(197, 160, 89, 0.25);
}

.btn-success {
  background: #0d9488;
  color: #fff;
}
.btn-success:hover {
  background: #0f766e;
}

.btn-gold {
  background: linear-gradient(135deg, #d4af37, #b08d44);
  color: #071120;
  font-weight: 700;
}
.btn-gold:hover {
  filter: brightness(1.06);
}

.btn-outline {
  background: #fff;
  color: var(--navy-main);
  border: 1.5px solid var(--border);
}
.btn-outline:hover {
  background: var(--gold-light);
  border-color: var(--gold-primary);
}

.top-navbar .btn-outline {
  background: rgba(255, 255, 255, 0.08);
  color: #fff;
  border-color: rgba(255, 255, 255, 0.25);
}
.top-navbar .btn-outline:hover {
  background: rgba(197, 160, 89, 0.25);
  border-color: var(--gold-primary);
}

.btn-danger {
  background: var(--danger);
  color: #fff;
}
.btn-danger:hover {
  background: #b91c1c;
}

.btn-warning {
  background: var(--warning);
  color: #fff;
}

.btn-sm {
  padding: 7px 13px;
  font-size: 0.83rem;
}

.btn-xs {
  padding: 5px 10px;
  font-size: 0.76rem;
}

.btn-lg {
  padding: 14px 32px;
  font-size: 1.02rem;
  letter-spacing: 0.4px;
}

.btn-block {
  width: 100%;
}

/* Auth Card */
.auth-container {
  max-width: 490px;
  margin: 48px auto;
  padding: 0 16px;
}

.auth-card {
  background: var(--bg-surface);
  border-radius: 10px;
  box-shadow: var(--shadow);
  border: 1px solid var(--border);
  border-top: 4px solid var(--gold-primary);
  overflow: hidden;
}

.auth-tabs {
  display: grid;
  grid-template-columns: 1fr 1fr;
  background: #f8fafc;
  border-bottom: 1px solid var(--border);
}

.auth-tab {
  padding: 15px;
  border: none;
  background: transparent;
  font-weight: 700;
  font-size: 0.94rem;
  color: var(--text-muted);
  cursor: pointer;
  border-bottom: 3px solid transparent;
}

.auth-tab.active {
  color: var(--navy-main);
  background: #fff;
  border-bottom-color: var(--gold-primary);
}

.auth-form {
  padding: 28px;
}

.auth-form h2 {
  font-size: 1.35rem;
  margin-bottom: 6px;
  color: var(--navy-dark);
}

.form-subtext {
  font-size: 0.87rem;
  color: var(--text-muted);
  margin-bottom: 20px;
}

/* Luxury Document Banner */
.luxury-doc-header {
  background: linear-gradient(135deg, #071120 0%, #112240 100%);
  color: #fff;
  border: 2px solid var(--gold-primary);
  border-radius: 10px;
  padding: 24px 30px;
  margin-bottom: 24px;
  display: flex;
  align-items: center;
  gap: 22px;
  box-shadow: var(--shadow);
}

.luxury-seal {
  width: 68px;
  height: 68px;
  border-radius: 50%;
  border: 2px solid #d4af37;
  background: radial-gradient(circle, #1e3a5f 0%, #071120 100%);
  color: #d4af37;
  font-weight: 900;
  font-size: 1.35rem;
  letter-spacing: 1.5px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.luxury-header-text h1 {
  font-size: 1.55rem;
  letter-spacing: 1px;
  color: #fff;
}

.luxury-header-text h2 {
  font-size: 1.08rem;
  font-weight: 500;
  color: #e2e8f0;
  margin-top: 2px;
}

/* Forms */
.form-group {
  margin-bottom: 16px;
}

.form-group label {
  display: block;
  font-size: 0.85rem;
  font-weight: 700;
  margin-bottom: 6px;
  color: var(--navy-main);
}

.req {
  color: var(--danger);
}

input[type="text"],
input[type="email"],
input[type="password"],
input[type="tel"],
input[type="number"],
input[type="date"],
select,
textarea {
  width: 100%;
  padding: 10px 12px;
  border: 1.5px solid var(--border);
  border-radius: 6px;
  font-size: 0.92rem;
  color: var(--text-main);
  background: #fff;
  transition: border-color 0.15s ease;
}

input:focus,
select:focus,
textarea:focus {
  outline: none;
  border-color: var(--gold-primary);
  box-shadow: 0 0 0 3px rgba(197, 160, 89, 0.18);
}

/* Option Pills for Checkbox-Style Radio Selections */
.option-pills-group {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
}

.option-pill {
  display: inline-flex !important;
  align-items: center;
  gap: 8px;
  padding: 9px 14px;
  border: 1.5px solid var(--border);
  border-radius: 6px;
  background: #fafbfc;
  cursor: pointer;
  font-weight: 600 !important;
  font-size: 0.88rem !important;
  transition: all 0.15s ease;
  margin-bottom: 0 !important;
}

.option-pill:hover {
  border-color: var(--gold-primary);
  background: var(--gold-light);
}

.option-pill input[type="radio"] {
  accent-color: var(--navy-main);
  width: 16px;
  height: 16px;
  cursor: pointer;
}

.file-input {
  padding: 8px;
  border: 1.5px dashed var(--gold-primary);
  border-radius: 6px;
  width: 100%;
  background: var(--gold-light);
}

.file-list-preview {
  margin-top: 6px;
  font-size: 0.8rem;
  color: var(--text-muted);
}

.mt-10 {
  margin-top: 10px;
}

.mt-16 {
  margin-top: 16px;
}

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

.password-input-wrap input {
  padding-right: 64px;
}

.toggle-pwd {
  position: absolute;
  right: 8px;
  border: none;
  background: #f1f5f9;
  color: #334155;
  padding: 4px 10px;
  border-radius: 5px;
  font-size: 0.78rem;
  font-weight: 600;
  cursor: pointer;
}

.pwd-checklist {
  list-style: none;
  margin-top: 8px;
  font-size: 0.8rem;
  background: #f8fafc;
  padding: 10px 12px;
  border-radius: 6px;
  border: 1px solid var(--border);
}

.pwd-checklist li.valid {
  color: #0d9488;
  font-weight: 600;
}
.pwd-checklist li.valid::before {
  content: "✓ ";
}

.pwd-checklist li.invalid {
  color: #64748b;
}
.pwd-checklist li.invalid::before {
  content: "• ";
}

.demo-credentials-box {
  display: none !important;
}

/* Portal Container */
.portal-container {
  max-width: 1140px;
  width: 100%;
  margin: 28px auto 60px;
  padding: 0 20px;
}

.page-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 22px;
  flex-wrap: wrap;
  gap: 12px;
}

/* Loan Form Card */
.loan-form-card {
  background: var(--bg-surface);
  border-radius: 10px;
  box-shadow: var(--shadow);
  border: 1px solid var(--border);
  border-top: 4px solid var(--gold-primary);
  padding: 32px;
}

.form-section {
  padding-bottom: 26px;
  margin-bottom: 26px;
  border-bottom: 1px solid var(--border);
}

.section-header {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 18px;
  padding-bottom: 8px;
  border-bottom: 2px solid var(--gold-light);
}

.step-num {
  width: 32px;
  height: 32px;
  border-radius: 6px;
  background: var(--navy-main);
  border: 1px solid var(--gold-primary);
  color: #f3d27a;
  font-weight: 800;
  font-size: 0.85rem;
  display: flex;
  align-items: center;
  justify-content: center;
}

.section-header h3 {
  font-size: 1.08rem;
  letter-spacing: 0.6px;
  color: var(--navy-dark);
}

.grid-3 {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
}

.grid-2 {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 16px;
}

/* Terms & Conditions 1-9 Grid */
.terms-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 12px;
  background: #fafaf8;
  border: 1px solid var(--border);
  border-radius: 8px;
  padding: 18px;
}

.term-item {
  background: #fff;
  border: 1px solid #e5e7eb;
  border-left: 3px solid var(--gold-primary);
  border-radius: 6px;
  padding: 10px 14px;
}

.term-item.span-full {
  grid-column: span 2;
}

.term-item h4 {
  font-size: 0.88rem;
  color: var(--navy-main);
  margin-bottom: 3px;
}

.term-item p {
  font-size: 0.82rem;
  color: var(--text-muted);
}

/* Digital Signature Section */
.legal-declaration {
  background: var(--gold-light);
  border: 1px solid rgba(197, 160, 89, 0.45);
  border-radius: 8px;
  padding: 16px;
  font-size: 0.9rem;
  color: var(--navy-dark);
  margin-bottom: 18px;
}

.legal-declaration h4 {
  margin-bottom: 6px;
  color: var(--navy-main);
}

.checkbox-label {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  margin-top: 6px;
  font-weight: 600;
  color: var(--navy-dark);
  cursor: pointer;
}

.checkbox-label input {
  margin-top: 4px;
  width: 17px;
  height: 17px;
}

.signature-grid {
  display: grid;
  grid-template-columns: 1.45fr 1fr;
  gap: 24px;
  align-items: start;
}

.sig-pad-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 8px;
}

.sig-pad-header label {
  font-size: 0.86rem;
  font-weight: 700;
  color: var(--navy-main);
}

.sig-actions {
  display: flex;
  gap: 6px;
}

.sig-canvas {
  width: 100%;
  height: 150px;
  background: #fcfcfa;
  border: 2px dashed var(--gold-primary);
  border-radius: 8px;
  cursor: crosshair;
  touch-action: none;
}

.sig-hint {
  display: block;
  color: var(--text-muted);
  font-size: 0.78rem;
  margin-top: 5px;
}

.form-actions-bar {
  display: flex;
  justify-content: flex-end;
}

/* Admin Dashboard */
.kpi-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
  margin-bottom: 24px;
}

.kpi-card {
  background: #fff;
  padding: 18px 20px;
  border-radius: 8px;
  border: 1px solid var(--border);
  border-top: 3px solid var(--gold-primary);
  box-shadow: var(--shadow);
}

.kpi-title {
  display: block;
  font-size: 0.82rem;
  color: var(--text-muted);
  margin-bottom: 6px;
}

.kpi-num {
  font-size: 1.65rem;
  color: var(--navy-dark);
}

.admin-tabs {
  display: flex;
  gap: 10px;
  margin-bottom: 16px;
  border-bottom: 2px solid var(--border);
}

.admin-tab {
  padding: 12px 20px;
  border: none;
  background: transparent;
  font-weight: 700;
  font-size: 0.93rem;
  color: var(--text-muted);
  cursor: pointer;
  border-bottom: 3px solid transparent;
  margin-bottom: -2px;
}

.admin-tab.active {
  color: var(--navy-dark);
  border-bottom-color: var(--gold-primary);
}

.admin-panel {
  background: #fff;
  border-radius: 8px;
  border: 1px solid var(--border);
  box-shadow: var(--shadow);
  padding: 20px;
}

.panel-toolbar {
  margin-bottom: 14px;
  display: flex;
  justify-content: space-between;
}

.search-input {
  max-width: 360px;
}

.table-responsive {
  overflow-x: auto;
}

.data-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.86rem;
}

.data-table th,
.data-table td {
  padding: 12px 14px;
  text-align: left;
  border-bottom: 1px solid var(--border);
  vertical-align: middle;
}

.data-table th {
  background: #f8fafc;
  font-weight: 700;
  color: var(--navy-main);
}

.badge-pill {
  background: var(--gold-light);
  border: 1px solid var(--gold-primary);
  color: var(--navy-main);
  padding: 4px 10px;
  border-radius: 999px;
  font-size: 0.76rem;
  font-weight: 700;
}

.status-pill {
  display: inline-block;
  padding: 4px 10px;
  border-radius: 99px;
  font-size: 0.76rem;
  font-weight: 700;
}

.status-active,
.status-approved {
  background: #dcfce7;
  color: #15803d;
}

.status-pending {
  background: #fef3c7;
  color: #b45309;
}

.status-suspended,
.status-rejected {
  background: #fee2e2;
  color: #b91c1c;
}

.sig-thumb {
  height: 36px;
  max-width: 115px;
  object-fit: contain;
  border: 1px solid var(--border);
  border-radius: 4px;
  background: #fff;
  padding: 2px;
}

.action-btns {
  display: flex;
  gap: 6px;
  flex-wrap: wrap;
}

/* My Loans Cards */
.cards-list {
  display: grid;
  gap: 16px;
}

.loan-item-card {
  background: #fff;
  border-radius: 8px;
  border: 1px solid var(--border);
  border-left: 4px solid var(--gold-primary);
  box-shadow: var(--shadow);
  padding: 22px;
}

.loan-item-top {
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 16px;
}

/* Footer & Site Map */
.site-footer {
  margin-top: auto;
  background: #071120;
  border-top: 3px solid var(--gold-primary);
  color: #cbd5e1;
  padding: 44px 32px 24px;
}

.footer-container {
  max-width: 1140px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1fr;
  gap: 28px;
  padding-bottom: 28px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.12);
}

.footer-desc {
  font-size: 0.85rem;
  color: #94a3b8;
  line-height: 1.6;
}

.footer-col h4 {
  color: #f3d27a;
  font-size: 0.92rem;
  text-transform: uppercase;
  letter-spacing: 0.6px;
  margin-bottom: 12px;
}

.sitemap-links {
  list-style: none;
}

.sitemap-links li {
  margin-bottom: 8px;
}

.sitemap-links a {
  color: #cbd5e1;
  text-decoration: none;
  font-size: 0.86rem;
  transition: color 0.15s ease;
}

.sitemap-links a:hover {
  color: #f3d27a;
  text-decoration: underline;
}

.footer-bottom {
  max-width: 1140px;
  margin: 18px auto 0;
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 10px;
  font-size: 0.82rem;
  color: #94a3b8;
}

/* Modals */
.modal-backdrop {
  position: fixed;
  inset: 0;
  background: rgba(7, 17, 32, 0.62);
  display: flex;
  align-items: center;
  justify-content: center;
  z-index: 200;
  padding: 20px;
}

.modal-card {
  background: #fff;
  border-radius: 10px;
  border-top: 4px solid var(--gold-primary);
  width: 100%;
  max-width: 500px;
  padding: 24px;
  box-shadow: 0 20px 40px rgba(0, 0, 0, 0.28);
  max-height: 90vh;
  overflow-y: auto;
}

.modal-lg {
  max-width: 820px;
}

.modal-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 16px;
  padding-bottom: 10px;
  border-bottom: 1px solid var(--border);
}

.modal-close {
  background: none;
  border: none;
  font-size: 1.5rem;
  cursor: pointer;
  color: var(--text-muted);
}

.modal-footer {
  display: flex;
  justify-content: flex-end;
  gap: 10px;
  margin-top: 20px;
  padding-top: 14px;
  border-top: 1px solid var(--border);
}

.field-hint {
  display: block;
  margin-top: 4px;
  font-size: 0.78rem;
  color: var(--text-muted);
}

/* Toast */
.toast {
  position: fixed;
  bottom: 24px;
  right: 24px;
  background: var(--navy-dark);
  border-left: 4px solid var(--gold-primary);
  color: #fff;
  padding: 13px 20px;
  border-radius: 6px;
  font-size: 0.9rem;
  font-weight: 600;
  box-shadow: 0 10px 25px rgba(0, 0, 0, 0.25);
  z-index: 300;
}
.toast.toast-error {
  background: #b91c1c;
}
.toast.toast-success {
  background: #0f766e;
}

/* Mobile & Tablet Navigation Drawer Helpers */
.navbar-top-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.navbar-collapsible {
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex: 1;
  margin-left: 24px;
  gap: 14px;
}

.mobile-menu-toggle {
  display: none;
  flex-direction: column;
  justify-content: center;
  gap: 5px;
  width: 42px;
  height: 42px;
  background: rgba(197, 160, 89, 0.16);
  border: 1px solid var(--gold-primary);
  border-radius: 7px;
  padding: 9px;
  cursor: pointer;
}

.hamburger-bar {
  display: block;
  width: 100%;
  height: 2.5px;
  background: #f3d27a;
  border-radius: 2px;
  transition: all 0.2s ease;
}

/* Touch & iOS/Android Base Enhancements */
html {
  -webkit-text-size-adjust: 100%;
  scroll-behavior: smooth;
}

body {
  padding-left: env(safe-area-inset-left, 0px);
  padding-right: env(safe-area-inset-right, 0px);
  padding-bottom: env(safe-area-inset-bottom, 0px);
  overflow-x: hidden;
}

button,
input,
select,
textarea,
.option-pill,
.nav-link {
  -webkit-tap-highlight-color: transparent;
  touch-action: manipulation;
}

.table-responsive {
  -webkit-overflow-scrolling: touch;
}

/* =========================================================
   TABLET & iPAD BREAKPOINT (768px – 1024px)
   ========================================================= */
@media (max-width: 1024px) {
  .top-navbar {
    flex-direction: column;
    align-items: stretch;
    padding: 12px 18px;
  }

  .navbar-top-row {
    width: 100%;
  }

  .mobile-menu-toggle {
    display: inline-flex;
  }

  .navbar-collapsible {
    display: none;
    flex-direction: column;
    align-items: stretch;
    margin-left: 0;
    margin-top: 12px;
    padding-top: 12px;
    border-top: 1px solid rgba(255, 255, 255, 0.15);
    gap: 12px;
  }

  .navbar-collapsible.open {
    display: flex;
  }

  .main-nav-links {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 8px;
    width: 100%;
  }

  .nav-link {
    text-align: center;
    padding: 10px 12px;
    background: rgba(255, 255, 255, 0.05);
  }

  .nav-right-wrap {
    flex-direction: column;
    align-items: stretch;
    width: 100%;
    gap: 8px;
  }

  .nav-user-section {
    display: flex;
    flex-wrap: wrap;
    justify-content: stretch;
    gap: 8px;
    width: 100%;
  }

  .nav-user-section .btn {
    flex: 1 1 calc(50% - 8px);
    min-height: 42px;
  }

  .user-badge {
    width: 100%;
    text-align: center;
  }

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

  .grid-3 {
    grid-template-columns: repeat(2, 1fr);
  }

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

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

/* =========================================================
   MOBILE PHONES (iPhone, Android Phones <= 767px)
   ========================================================= */
@media (max-width: 767px) {
  /* Prevent iOS Safari auto-zoom on form focus by enforcing 16px font-size */
  input[type="text"],
  input[type="email"],
  input[type="password"],
  input[type="tel"],
  input[type="number"],
  input[type="date"],
  select,
  textarea {
    font-size: 16px !important;
    min-height: 46px;
    padding: 11px 13px;
  }

  .btn {
    min-height: 44px;
  }

  .brand-title {
    font-size: 0.98rem;
  }

  .brand-subtitle {
    font-size: 0.68rem;
  }

  .hero-slider {
    height: auto;
    min-height: 450px;
  }

  .hero-slide {
    padding: 46px 18px 58px;
  }

  .hero-slide-content h1 {
    font-size: 1.55rem;
  }

  .hero-slide-content p {
    font-size: 0.92rem;
    margin-bottom: 20px;
  }

  .hero-cta-group {
    flex-direction: column;
    width: 100%;
  }

  .hero-cta-group .btn {
    width: 100%;
  }

  .slider-arrow {
    width: 34px;
    height: 34px;
    font-size: 0.95rem;
  }
  .slider-arrow.prev {
    left: 8px;
  }
  .slider-arrow.next {
    right: 8px;
  }

  .highlights-strip,
  .grid-3,
  .grid-2,
  .terms-grid,
  .signature-grid,
  .kpi-grid,
  .about-stats-grid,
  .footer-container {
    grid-template-columns: 1fr !important;
  }

  .term-item.span-full {
    grid-column: span 1 !important;
  }

  .portal-container {
    padding: 0 12px;
    margin: 18px auto 40px;
  }

  .luxury-doc-header {
    flex-direction: column;
    text-align: center;
    padding: 18px 16px;
    gap: 12px;
  }

  .luxury-header-text h1 {
    font-size: 1.25rem;
  }

  .luxury-header-text h2 {
    font-size: 0.92rem;
  }

  .loan-form-card,
  .content-card,
  .feature-card,
  .service-card,
  .admin-panel {
    padding: 18px 14px;
  }

  .option-pills-group {
    display: grid;
    grid-template-columns: 1fr;
    gap: 8px;
  }

  .option-pill {
    width: 100%;
    min-height: 46px;
    padding: 10px 14px;
  }

  .sig-pad-header {
    flex-direction: column;
    align-items: flex-start;
    gap: 8px;
  }

  .sig-actions {
    width: 100%;
  }

  .sig-actions .btn {
    flex: 1;
  }

  .form-actions-bar {
    flex-direction: column;
    align-items: stretch;
  }

  .form-actions-bar .btn {
    width: 100%;
  }

  .admin-tabs {
    flex-direction: column;
    gap: 4px;
  }

  .admin-tab {
    width: 100%;
    text-align: left;
    padding: 10px 12px;
    border-radius: 6px;
  }

  .loan-item-top {
    flex-direction: column;
    align-items: flex-start;
  }

  .modal-backdrop {
    padding: 10px;
    align-items: flex-end;
  }

  .modal-card {
    padding: 18px 16px;
    max-height: 92vh;
    border-radius: 14px 14px 10px 10px;
  }

  .modal-footer {
    flex-direction: column-reverse;
  }

  .modal-footer .btn {
    width: 100%;
  }

  .toast {
    left: 12px;
    right: 12px;
    bottom: 14px;
    text-align: center;
  }
}