/*
Theme Name: Grey Union Bank
Theme URI: https://grey-bit.com
Author: Grey Union Bank
Author URI: https://grey-bit.com
Description: Premium dark-blue & gold banking and crypto exchange theme for Grey Union Bank. Fully responsive, mobile-first, with sticky header, status tracking, reviews, compliance sections, and account modals.
Version: 1.0.0
Requires at least: 5.8
Tested up to: 6.5
Requires PHP: 7.4
License: Private
License URI: #
Text Domain: grey-union-bank
Tags: banking, fintech, crypto, dark, gold, responsive
*/

/* ============================================================
   CSS CUSTOM PROPERTIES
============================================================ */
:root {
  --navy:      #061326;
  --navy2:     #0A1F44;
  --navy3:     #0d2a5c;
  --gold:      #D4AF37;
  --gold2:     #e8c84a;
  --gold-dim:  rgba(212,175,55,0.15);
  --white:     #ffffff;
  --off-white: #f0f4f9;
  --grey:      #a8b4c4;
  --grey2:     #6b7f96;
  --card-bg:   rgba(13,42,92,0.55);
  --border:    rgba(212,175,55,0.2);
  --radius:    16px;
  --shadow:    0 8px 40px rgba(0,0,0,0.45);
}

/* ============================================================
   RESET & BASE
============================================================ */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: 'DM Sans', sans-serif;
  background: var(--navy);
  color: var(--white);
  font-size: 17px;
  line-height: 1.65;
  overflow-x: hidden;
}
h1, h2, h3, h4 { font-family: 'Playfair Display', serif; line-height: 1.2; }
a { color: inherit; text-decoration: none; }
img { max-width: 100%; display: block; }
ul { list-style: none; }

/* Noise texture overlay */
body::before {
  content: '';
  position: fixed; inset: 0; z-index: 0;
  background-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 256 256' xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='noise'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.9' numOctaves='4' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23noise)' opacity='0.04'/%3E%3C/svg%3E");
  pointer-events: none; opacity: 0.4;
}

/* ============================================================
   UTILITY
============================================================ */
.container {
  max-width: 1180px;
  margin: 0 auto;
  padding: 0 24px;
  position: relative;
  z-index: 1;
}
.gold { color: var(--gold); }

.badge {
  display: inline-flex; align-items: center; gap: 6px;
  padding: 5px 14px; border-radius: 999px;
  border: 1px solid var(--border);
  background: var(--gold-dim);
  font-size: 12px; font-weight: 500;
  letter-spacing: 0.06em; text-transform: uppercase;
  color: var(--gold);
}

.btn-primary {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 14px 30px; border-radius: 999px;
  background: linear-gradient(135deg, var(--gold), var(--gold2));
  color: var(--navy); font-weight: 700; font-size: 15px;
  transition: transform 0.2s, box-shadow 0.2s;
  box-shadow: 0 4px 24px rgba(212,175,55,0.35);
  cursor: pointer; border: none;
  font-family: 'DM Sans', sans-serif;
}
.btn-primary:hover { transform: translateY(-2px); box-shadow: 0 8px 32px rgba(212,175,55,0.5); }

.btn-outline {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 13px 28px; border-radius: 999px;
  border: 1.5px solid var(--border);
  color: var(--white); font-weight: 500; font-size: 15px;
  transition: border-color 0.2s, background 0.2s;
  cursor: pointer; background: transparent;
  font-family: 'DM Sans', sans-serif;
}
.btn-outline:hover { border-color: var(--gold); background: var(--gold-dim); }

/* Section defaults */
section { position: relative; z-index: 1; }

.section-label {
  font-size: 11px; text-transform: uppercase;
  letter-spacing: 0.12em; color: var(--gold);
  font-weight: 600; margin-bottom: 12px;
}
.section-title {
  font-size: clamp(28px, 4vw, 44px);
  font-weight: 700; margin-bottom: 16px;
}
.section-sub {
  font-size: 16px; color: var(--grey);
  max-width: 520px; font-weight: 300;
}
.divider {
  width: 48px; height: 3px;
  background: linear-gradient(90deg, var(--gold), transparent);
  border-radius: 2px; margin: 16px 0 28px;
}

/* ============================================================
   SCROLL REVEAL
============================================================ */
.reveal {
  opacity: 0;
  transform: translateY(32px);
  transition: opacity 0.7s ease, transform 0.7s ease;
}
.reveal.visible { opacity: 1; transform: translateY(0); }
.reveal-delay-1 { transition-delay: 0.1s; }
.reveal-delay-2 { transition-delay: 0.2s; }
.reveal-delay-3 { transition-delay: 0.3s; }
.reveal-delay-4 { transition-delay: 0.4s; }

/* ============================================================
   CRYPTO TICKER
============================================================ */
#crypto-ticker {
  padding: 10px 0;
  background: rgba(6,19,38,0.9);
  border-bottom: 1px solid var(--border);
  overflow: hidden;
  position: relative; z-index: 1;
}
.crypto-scroll {
  display: flex; gap: 48px;
  animation: ticker 20s linear infinite;
  width: max-content;
}
.crypto-item {
  display: flex; align-items: center; gap: 8px;
  font-size: 13px; font-weight: 500;
}
.crypto-icon { font-size: 16px; }
.crypto-price { color: var(--white); }
.crypto-change.up { color: #4ade80; }
.crypto-change.down { color: #f87171; }

/* ============================================================
   STICKY HEADER
============================================================ */
#site-header {
  position: fixed; top: 0; left: 0; right: 0; z-index: 999;
  padding: 0 24px;
  background: rgba(6,19,38,0.85);
  backdrop-filter: blur(18px);
  border-bottom: 1px solid rgba(212,175,55,0.1);
  transition: background 0.3s;
}
.header-inner {
  max-width: 1180px; margin: 0 auto;
  display: flex; align-items: center; justify-content: space-between;
  height: 70px;
}
.logo {
  display: flex; align-items: center; gap: 10px;
  font-family: 'Playfair Display', serif;
  font-size: 20px; font-weight: 700;
}
.logo-icon {
  width: 38px; height: 38px; border-radius: 50%;
  background: linear-gradient(135deg, var(--gold), var(--gold2));
  display: flex; align-items: center; justify-content: center;
  color: var(--navy); font-size: 16px; font-weight: 800; font-family: serif;
}
nav { display: flex; align-items: center; gap: 4px; }
nav a {
  padding: 8px 14px; border-radius: 8px;
  font-size: 14px; font-weight: 500; color: var(--grey);
  transition: color 0.2s, background 0.2s;
}
nav a:hover { color: var(--white); background: rgba(255,255,255,0.06); }

.nav-dropdown { position: relative; }
.nav-dropdown > a::after { content: ' ▾'; font-size: 10px; }
.dropdown-menu {
  display: none; position: absolute;
  top: calc(100% + 8px); left: 0;
  min-width: 170px; padding: 8px;
  background: #0d2040;
  border: 1px solid var(--border); border-radius: 12px;
  box-shadow: 0 16px 48px rgba(0,0,0,0.5);
  flex-direction: column;
}
.nav-dropdown:hover .dropdown-menu { display: flex; }
.dropdown-menu a {
  padding: 9px 14px; border-radius: 8px;
  font-size: 13px; display: block;
  color: var(--grey); white-space: nowrap;
}
.dropdown-menu a:hover { color: var(--gold); background: var(--gold-dim); }

.header-ctas { display: flex; align-items: center; gap: 10px; }
.header-ctas .btn-login {
  padding: 8px 18px; border-radius: 999px;
  border: 1px solid var(--border); color: var(--white);
  font-size: 14px; font-weight: 500; transition: background 0.2s;
  cursor: pointer; background: transparent; font-family: 'DM Sans', sans-serif;
}
.header-ctas .btn-login:hover { background: var(--gold-dim); }
.header-ctas .btn-primary { padding: 9px 20px; font-size: 14px; }

.hamburger {
  display: none; flex-direction: column; gap: 5px;
  cursor: pointer; padding: 6px;
}
.hamburger span {
  width: 22px; height: 2px;
  background: var(--white); border-radius: 2px; transition: 0.3s;
}

/* Mobile nav */
.mobile-nav {
  display: none; position: fixed;
  top: 70px; left: 0; right: 0; z-index: 998;
  background: rgba(6,19,38,0.97);
  backdrop-filter: blur(20px);
  padding: 20px 24px 28px;
  border-bottom: 1px solid var(--border);
  flex-direction: column; gap: 6px;
}
.mobile-nav.open { display: flex; }
.mobile-nav a {
  padding: 12px 16px; border-radius: 10px;
  font-size: 15px; font-weight: 500; color: var(--grey);
  transition: color 0.2s;
  border-bottom: 1px solid rgba(255,255,255,0.04);
}
.mobile-nav a:hover { color: var(--gold); }
.mobile-nav .btn-primary { margin-top: 12px; text-align: center; justify-content: center; }

/* ============================================================
   HERO
============================================================ */
#hero {
  min-height: 100vh;
  padding-top: 70px;
  display: flex; align-items: center;
  position: relative; overflow: hidden;
}
.hero-bg {
  position: absolute; inset: 0;
  background: linear-gradient(135deg, #020c1b 0%, #061326 40%, #0a1f3c 70%, #0d2a5c 100%);
}
.hero-bg::after {
  content: ''; position: absolute; inset: 0;
  background: radial-gradient(ellipse 60% 60% at 70% 50%, rgba(212,175,55,0.08) 0%, transparent 70%);
}
.orb {
  position: absolute; border-radius: 50%;
  background: radial-gradient(circle, rgba(212,175,55,0.12), transparent 70%);
  animation: floatOrb 8s ease-in-out infinite;
}
.orb-1 { width: 500px; height: 500px; top: -100px; right: -80px; animation-delay: 0s; }
.orb-2 { width: 300px; height: 300px; bottom: 10%; left: 5%; animation-delay: -3s; }
.hero-grid {
  position: absolute; inset: 0; opacity: 0.06;
  background-image:
    linear-gradient(rgba(212,175,55,0.5) 1px, transparent 1px),
    linear-gradient(90deg, rgba(212,175,55,0.5) 1px, transparent 1px);
  background-size: 60px 60px;
}
.hero-content {
  position: relative; z-index: 2;
  max-width: 660px; padding: 80px 24px;
}
.hero-content .badge { margin-bottom: 24px; }
.hero-content h1 {
  font-size: clamp(40px, 6vw, 72px);
  font-weight: 800; line-height: 1.08; margin-bottom: 22px;
}
.hero-content h1 em { font-style: normal; color: var(--gold); }
.hero-content p {
  font-size: 18px; color: var(--grey);
  max-width: 520px; margin-bottom: 36px; font-weight: 300;
}
.hero-btns { display: flex; gap: 14px; flex-wrap: wrap; margin-bottom: 48px; }
.hero-stats {
  display: flex; gap: 36px; flex-wrap: wrap;
  padding-top: 32px; border-top: 1px solid var(--border);
}
.hero-stat-num {
  font-family: 'Playfair Display', serif;
  font-size: 28px; font-weight: 700; color: var(--gold); line-height: 1;
}
.hero-stat-label { font-size: 13px; color: var(--grey2); margin-top: 4px; }

/* Floating UI card */
.hero-card {
  position: absolute; right: 5%; top: 50%;
  transform: translateY(-50%);
  width: min(360px, 38vw);
  background: rgba(13,28,58,0.8);
  backdrop-filter: blur(20px);
  border: 1px solid var(--border); border-radius: 24px;
  padding: 28px; box-shadow: 0 24px 80px rgba(0,0,0,0.5);
  animation: floatCard 6s ease-in-out infinite;
  z-index: 2;
}
.card-header {
  display: flex; align-items: center;
  justify-content: space-between; margin-bottom: 20px;
}
.card-label { font-size: 11px; color: var(--grey2); text-transform: uppercase; letter-spacing: 0.1em; }
.card-chip {
  width: 36px; height: 26px; border-radius: 5px;
  background: linear-gradient(135deg, var(--gold), var(--gold2)); opacity: 0.7;
}
.card-number { font-size: 15px; color: var(--grey); letter-spacing: 0.15em; margin-bottom: 16px; font-weight: 500; }
.card-balance { font-family: 'Playfair Display', serif; font-size: 32px; font-weight: 700; margin-bottom: 6px; }
.card-balance small { font-size: 14px; color: var(--grey2); font-family: 'DM Sans', sans-serif; }
.card-sparkline { margin: 16px 0; }
.card-sparkline svg { width: 100%; height: 50px; }
.card-actions { display: flex; gap: 10px; }
.card-action {
  flex: 1; padding: 10px 8px; border-radius: 10px; text-align: center;
  background: rgba(212,175,55,0.1); border: 1px solid var(--border);
  font-size: 12px; font-weight: 500; color: var(--gold);
  cursor: pointer; transition: background 0.2s;
}
.card-action:hover { background: rgba(212,175,55,0.2); }
.card-tx { margin-top: 16px; padding-top: 16px; border-top: 1px solid var(--border); }
.tx-row {
  display: flex; justify-content: space-between;
  align-items: center; padding: 6px 0;
}
.tx-row:not(:last-child) { border-bottom: 1px solid rgba(255,255,255,0.05); }
.tx-name { font-size: 13px; color: var(--grey); }
.tx-amount { font-size: 13px; font-weight: 600; }
.tx-amount.pos { color: #4ade80; }
.tx-amount.neg { color: #f87171; }

/* ============================================================
   TRUST BAR
============================================================ */
#trust-bar {
  padding: 20px 0;
  background: rgba(10,31,68,0.7);
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
  overflow: hidden; position: relative; z-index: 1;
}
.trust-ticker {
  display: flex; gap: 60px; align-items: center;
  animation: ticker 30s linear infinite;
  white-space: nowrap; width: max-content;
}
.trust-ticker:hover { animation-play-state: paused; }
.trust-item { display: flex; align-items: center; gap: 10px; font-size: 14px; color: var(--grey); }
.trust-item strong { color: var(--gold); font-weight: 600; }
.trust-dot { width: 5px; height: 5px; border-radius: 50%; background: var(--gold); opacity: 0.5; }
.tp-stars { display: flex; gap: 2px; }
.tp-stars span { color: var(--gold); font-size: 13px; }

/* ============================================================
   FEATURES
============================================================ */
#features { padding: 100px 0; }
.features-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 24px; margin-top: 60px;
}
.feature-card {
  padding: 32px 28px; border-radius: var(--radius);
  background: var(--card-bg); backdrop-filter: blur(16px);
  border: 1px solid var(--border);
  transition: transform 0.3s, box-shadow 0.3s, border-color 0.3s;
}
.feature-card:hover {
  transform: translateY(-6px);
  box-shadow: 0 20px 60px rgba(0,0,0,0.4);
  border-color: var(--gold);
}
.feature-icon {
  width: 52px; height: 52px; border-radius: 14px; margin-bottom: 20px;
  background: var(--gold-dim); border: 1px solid var(--border);
  display: flex; align-items: center; justify-content: center; font-size: 22px;
}
.feature-card h3 { font-size: 20px; font-weight: 700; margin-bottom: 10px; }
.feature-card p { font-size: 14px; color: var(--grey); line-height: 1.7; }

/* ============================================================
   SPLIT SECTIONS
============================================================ */
.split-section { padding: 90px 0; }
.split-inner {
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 64px; align-items: center;
}
.split-inner.reverse { direction: rtl; }
.split-inner.reverse > * { direction: ltr; }
.split-img {
  border-radius: 24px; overflow: hidden;
  box-shadow: 0 24px 80px rgba(0,0,0,0.5);
  border: 1px solid var(--border);
}
.split-img img {
  width: 100%; height: 400px; object-fit: cover; transition: transform 0.5s;
}
.split-img:hover img { transform: scale(1.04); }
.check-list { list-style: none; margin-top: 24px; display: flex; flex-direction: column; gap: 14px; }
.check-list li {
  display: flex; align-items: flex-start;
  gap: 12px; font-size: 15px; color: var(--grey);
}
.check-list li::before {
  content: '✓'; flex-shrink: 0;
  width: 22px; height: 22px; border-radius: 50%;
  background: var(--gold-dim); border: 1px solid var(--border);
  color: var(--gold); font-size: 12px; font-weight: 700;
  display: flex; align-items: center; justify-content: center; margin-top: 2px;
}

/* ============================================================
   TRACKING SECTION
============================================================ */
#tracking {
  padding: 100px 0;
  background: linear-gradient(180deg, transparent, rgba(10,31,68,0.4), transparent);
}
.tracking-box { max-width: 640px; margin: 0 auto; text-align: center; }
.track-input-wrap {
  display: flex; gap: 0; margin-top: 32px;
  border: 1.5px solid var(--border); border-radius: 999px;
  background: rgba(10,25,55,0.8); backdrop-filter: blur(12px);
  overflow: hidden; padding: 6px 6px 6px 20px;
  transition: border-color 0.3s;
}
.track-input-wrap:focus-within { border-color: var(--gold); }
.track-input-wrap input {
  flex: 1; background: transparent; border: none; outline: none;
  color: var(--white); font-size: 15px; font-family: 'DM Sans', sans-serif; padding: 8px 0;
}
.track-input-wrap input::placeholder { color: var(--grey2); }
.track-input-wrap button {
  padding: 12px 24px; border-radius: 999px;
  cursor: pointer; border: none;
  background: linear-gradient(135deg, var(--gold), var(--gold2));
  color: var(--navy); font-weight: 700; font-size: 14px;
  font-family: 'DM Sans', sans-serif; transition: opacity 0.2s;
}
.track-input-wrap button:hover { opacity: 0.88; }
.track-hint { margin-top: 12px; font-size: 13px; color: var(--grey2); }

#track-result { margin-top: 28px; display: none; }
.result-card {
  padding: 28px; border-radius: 20px;
  background: var(--card-bg); border: 1px solid var(--border);
  text-align: left; backdrop-filter: blur(16px);
}
.result-header {
  display: flex; justify-content: space-between;
  align-items: center; margin-bottom: 20px;
}
.result-type {
  padding: 4px 14px; border-radius: 999px;
  font-size: 12px; font-weight: 600;
  text-transform: uppercase; letter-spacing: 0.08em;
}
.result-type.loan  { background: rgba(99,179,237,0.15); color: #63b3ed; border: 1px solid rgba(99,179,237,0.3); }
.result-type.refund { background: rgba(72,187,120,0.15); color: #48bb78; border: 1px solid rgba(72,187,120,0.3); }
.progress-bar-wrap { margin: 18px 0; }
.progress-bar-label {
  display: flex; justify-content: space-between;
  font-size: 13px; color: var(--grey); margin-bottom: 8px;
}
.progress-bar-bg { height: 8px; background: rgba(255,255,255,0.1); border-radius: 999px; overflow: hidden; }
.progress-bar-fill {
  height: 100%; border-radius: 999px;
  background: linear-gradient(90deg, var(--gold), var(--gold2));
  transition: width 1s ease;
}
.status-pill {
  display: inline-flex; align-items: center; gap: 6px;
  padding: 5px 14px; border-radius: 999px;
  font-size: 12px; font-weight: 600;
}
.status-pill::before { content: '●'; font-size: 8px; }
.status-pill.pending    { background: rgba(245,158,11,0.15); color: #f59e0b; border: 1px solid rgba(245,158,11,0.3); }
.status-pill.processing { background: rgba(59,130,246,0.15); color: #3b82f6; border: 1px solid rgba(59,130,246,0.3); }
.status-pill.approved   { background: rgba(16,185,129,0.15); color: #10b981; border: 1px solid rgba(16,185,129,0.3); }
.status-pill.completed  { background: rgba(72,187,120,0.15); color: #48bb78; border: 1px solid rgba(72,187,120,0.3); }

/* ============================================================
   HOW IT WORKS
============================================================ */
#how-it-works { padding: 100px 0; }
.steps-grid {
  display: grid; grid-template-columns: repeat(3, 1fr);
  gap: 32px; margin-top: 60px;
}
.step-card { position: relative; }
.step-num {
  font-family: 'Playfair Display', serif; font-size: 64px;
  font-weight: 800; color: rgba(212,175,55,0.12);
  line-height: 1; margin-bottom: -10px;
}
.step-icon {
  width: 56px; height: 56px; border-radius: 16px; margin-bottom: 18px;
  background: linear-gradient(135deg, var(--navy3), #0f3470);
  border: 1px solid var(--border);
  display: flex; align-items: center; justify-content: center; font-size: 24px;
}
.step-card h3 { font-size: 22px; margin-bottom: 10px; }
.step-card p { font-size: 14px; color: var(--grey); line-height: 1.7; }
.step-connector {
  position: absolute; top: 70px; right: -16px; width: 32px;
  border-top: 2px dashed var(--border); z-index: 1;
}

/* ============================================================
   REVIEWS
============================================================ */
#reviews { padding: 100px 0; }
.reviews-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(300px, 1fr));
  gap: 20px; margin-top: 56px;
}
.review-card {
  padding: 26px; border-radius: 18px;
  background: var(--card-bg); border: 1px solid var(--border);
  backdrop-filter: blur(12px);
  transition: transform 0.3s, border-color 0.3s;
}
.review-card:hover { transform: translateY(-4px); border-color: rgba(212,175,55,0.4); }
.review-top { display: flex; align-items: center; gap: 12px; margin-bottom: 14px; }
.review-avatar {
  width: 44px; height: 44px; border-radius: 50%;
  background: linear-gradient(135deg, var(--navy3), #193a7a);
  border: 2px solid var(--border);
  display: flex; align-items: center; justify-content: center;
  font-size: 18px; flex-shrink: 0;
}
.review-name { font-weight: 600; font-size: 15px; }
.review-meta { font-size: 12px; color: var(--grey2); }
.review-stars { display: flex; gap: 2px; }
.review-stars span { font-size: 13px; }
.review-text { font-size: 14px; color: var(--grey); line-height: 1.7; }
.verified-badge {
  display: inline-flex; align-items: center; gap: 4px;
  font-size: 11px; color: #48bb78; margin-top: 12px;
  padding: 3px 10px; border-radius: 999px;
  background: rgba(72,187,120,0.1);
  border: 1px solid rgba(72,187,120,0.25);
}

/* ============================================================
   COMPLIANCE
============================================================ */
#compliance {
  padding: 90px 0;
  background: linear-gradient(180deg, rgba(10,31,68,0.6) 0%, rgba(6,19,38,0.9) 100%);
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
}
.compliance-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 20px; margin-top: 48px;
}
.compliance-badge {
  padding: 24px 20px; border-radius: 16px; text-align: center;
  background: rgba(13,42,92,0.4); border: 1px solid var(--border);
  transition: border-color 0.3s;
}
.compliance-badge:hover { border-color: var(--gold); }
.compliance-badge .icon { font-size: 32px; margin-bottom: 10px; }
.compliance-badge h4 {
  font-size: 15px; font-weight: 600; margin-bottom: 6px;
  color: var(--gold); font-family: 'DM Sans', sans-serif;
}
.compliance-badge p { font-size: 12px; color: var(--grey2); }

/* ============================================================
   CTA SECTION
============================================================ */
#cta-section {
  padding: 100px 24px; text-align: center;
  background: radial-gradient(ellipse 70% 80% at 50% 50%, rgba(212,175,55,0.07) 0%, transparent 70%);
}
#cta-section h2 {
  font-size: clamp(30px, 4vw, 50px); margin-bottom: 18px;
  max-width: 640px; margin-left: auto; margin-right: auto;
}
#cta-section p { font-size: 17px; color: var(--grey); max-width: 480px; margin: 0 auto 40px; }
.cta-btns { display: flex; gap: 14px; justify-content: center; flex-wrap: wrap; }

/* ============================================================
   AUTH MODAL
============================================================ */
.modal-overlay {
  display: none; position: fixed; inset: 0; z-index: 9999;
  background: rgba(3,10,22,0.9); backdrop-filter: blur(6px);
  align-items: center; justify-content: center; padding: 20px;
}
.modal-overlay.open { display: flex; }
.modal {
  background: #0a1f44; border: 1px solid var(--border);
  border-radius: 24px; padding: 40px; width: 100%; max-width: 460px;
  box-shadow: 0 32px 100px rgba(0,0,0,0.7); position: relative;
  animation: modalIn 0.3s ease;
}
.modal-close {
  position: absolute; top: 16px; right: 20px;
  background: none; border: none; color: var(--grey);
  font-size: 22px; cursor: pointer; transition: color 0.2s;
}
.modal-close:hover { color: var(--white); }
.modal h2 { font-size: 26px; margin-bottom: 6px; }
.modal p { font-size: 14px; color: var(--grey); margin-bottom: 28px; }
.modal-tabs {
  display: flex; gap: 4px; margin-bottom: 24px;
  background: rgba(255,255,255,0.05); border-radius: 10px; padding: 4px;
}
.modal-tab {
  flex: 1; padding: 9px; border-radius: 8px; text-align: center;
  font-size: 14px; font-weight: 500; cursor: pointer;
  border: none; background: transparent; color: var(--grey);
  font-family: 'DM Sans', sans-serif; transition: 0.2s;
}
.modal-tab.active { background: var(--gold-dim); color: var(--gold); border: 1px solid var(--border); }
.form-pane { display: none; }
.form-pane.active { display: block; }
.form-group { margin-bottom: 18px; }
.form-group label { display: block; font-size: 13px; color: var(--grey); margin-bottom: 7px; font-weight: 500; }
.form-group input,
.form-group select {
  width: 100%; padding: 13px 16px; border-radius: 10px;
  background: rgba(255,255,255,0.05); border: 1px solid var(--border);
  color: var(--white); font-size: 15px;
  font-family: 'DM Sans', sans-serif; outline: none; transition: border-color 0.2s;
}
.form-group input:focus,
.form-group select:focus { border-color: var(--gold); }
.form-group select option { background: #0a1f44; }
.form-secure { font-size: 12px; color: var(--grey2); text-align: center; margin-top: 14px; }
.form-secure span { color: #48bb78; }

/* ============================================================
   FOOTER
============================================================ */
footer {
  padding: 70px 24px 30px;
  background: #030d1e;
  border-top: 1px solid var(--border);
  position: relative; z-index: 1;
}
.footer-grid {
  max-width: 1180px; margin: 0 auto;
  display: grid; grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 40px; margin-bottom: 48px;
}
.footer-brand p { font-size: 14px; color: var(--grey2); margin-top: 12px; max-width: 280px; line-height: 1.7; }
.footer-col h4 {
  font-size: 13px; font-weight: 700; text-transform: uppercase;
  letter-spacing: 0.1em; color: var(--gold); margin-bottom: 18px;
  font-family: 'DM Sans', sans-serif;
}
.footer-col ul { display: flex; flex-direction: column; gap: 10px; }
.footer-col ul li a { font-size: 14px; color: var(--grey2); transition: color 0.2s; }
.footer-col ul li a:hover { color: var(--gold); }
.footer-social { display: flex; gap: 12px; margin-top: 20px; }
.footer-social a {
  width: 36px; height: 36px; border-radius: 50%;
  background: var(--gold-dim); border: 1px solid var(--border);
  display: flex; align-items: center; justify-content: center;
  font-size: 14px; transition: background 0.2s;
}
.footer-social a:hover { background: rgba(212,175,55,0.25); }
.footer-bottom {
  max-width: 1180px; margin: 0 auto;
  padding-top: 28px; border-top: 1px solid rgba(255,255,255,0.06);
  display: flex; justify-content: space-between; align-items: center;
  flex-wrap: wrap; gap: 16px;
}
.footer-bottom p { font-size: 13px; color: var(--grey2); }
.footer-bottom-links { display: flex; gap: 16px; flex-wrap: wrap; }
.footer-bottom-links a { font-size: 13px; color: var(--grey2); transition: color 0.2s; }
.footer-bottom-links a:hover { color: var(--gold); }
.footer-compliance {
  max-width: 1180px; margin: 16px auto 0;
  font-size: 12px; color: var(--grey2); opacity: 0.6; line-height: 1.6;
}

/* ============================================================
   ANIMATIONS
============================================================ */
@keyframes ticker {
  from { transform: translateX(0); }
  to   { transform: translateX(-50%); }
}
@keyframes floatOrb {
  0%, 100% { transform: translateY(0) scale(1); }
  50%       { transform: translateY(-30px) scale(1.05); }
}
@keyframes floatCard {
  0%, 100% { transform: translateY(-50%) translateY(0); }
  50%       { transform: translateY(-50%) translateY(-12px); }
}
@keyframes modalIn {
  from { opacity: 0; transform: scale(0.95) translateY(20px); }
  to   { opacity: 1; transform: scale(1) translateY(0); }
}

/* ============================================================
   RESPONSIVE
============================================================ */
@media (max-width: 960px) {
  .hero-card { display: none; }
  .hero-content { max-width: 100%; padding: 60px 0; }
  .split-inner { grid-template-columns: 1fr; gap: 36px; }
  .split-inner.reverse { direction: ltr; }
  .steps-grid { grid-template-columns: 1fr; }
  .step-connector { display: none; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 768px) {
  nav { display: none; }
  .header-ctas .btn-login { display: none; }
  .hamburger { display: flex; }
  .hero-content h1 { font-size: 36px; }
  .reviews-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .features-grid { grid-template-columns: 1fr; }
  .compliance-grid { grid-template-columns: 1fr 1fr; }
  .modal { padding: 28px 20px; }
}
@media (max-width: 480px) {
  .compliance-grid { grid-template-columns: 1fr; }
  .hero-stats { gap: 20px; }
  .cta-btns { flex-direction: column; align-items: center; }
}

/* ============================================================
   FOOTER — BRANCHES & CONTACTS (NEW)
============================================================ */
.footer-branches {
  padding: 48px 0 40px;
  background: #020c1b;
  border-top: 1px solid var(--border);
}
.footer-branches-label {
  font-size: 11px; text-transform: uppercase; letter-spacing: 0.12em;
  color: var(--gold); font-weight: 600; margin-bottom: 24px;
}
.footer-branches-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(230px, 1fr));
  gap: 16px;
}
.branch-card {
  display: flex; gap: 12px; align-items: flex-start;
  padding: 16px 18px; border-radius: 12px;
  background: rgba(255,255,255,0.03);
  border: 1px solid rgba(212,175,55,0.12);
  transition: border-color 0.2s;
}
.branch-card:hover { border-color: var(--border); }
.branch-flag { font-size: 22px; flex-shrink: 0; margin-top: 2px; }
.branch-region { font-size: 12px; font-weight: 600; color: var(--gold); margin-bottom: 4px; text-transform: uppercase; letter-spacing: 0.06em; }
.branch-address { font-size: 13px; color: var(--grey2); line-height: 1.5; }

.footer-contacts-bar {
  background: rgba(10,31,68,0.5);
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
  padding: 18px 0;
}
.footer-contacts-inner {
  display: flex; align-items: center; flex-wrap: wrap; gap: 0;
}
.footer-contact-item {
  display: flex; align-items: center; gap: 10px;
  padding: 8px 24px; flex: 1; min-width: 200px;
}
.fc-icon { font-size: 18px; }
.fc-label { font-size: 12px; color: var(--grey2); min-width: 110px; }
.fc-value { font-size: 13px; font-weight: 600; color: var(--white); }
.footer-contact-sep {
  width: 1px; height: 36px; background: var(--border);
  flex-shrink: 0;
}
.footer-main { padding: 60px 0 0; background: #030d1e; }
.footer-badges { display: flex; gap: 8px; flex-wrap: wrap; margin-top: 16px; }
.f-badge {
  padding: 4px 10px; border-radius: 999px; font-size: 11px; font-weight: 500;
  background: rgba(212,175,55,0.1); border: 1px solid var(--border); color: var(--gold);
}
.footer-bottom-wrap { background: #030d1e; padding: 0 24px 30px; }

/* ============================================================
   FORM EXTRAS
============================================================ */
.form-row-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.form-checkbox { display: flex; align-items: flex-start; gap: 10px; margin-bottom: 16px; margin-top: 4px; }
.form-checkbox input[type="checkbox"] { margin-top: 3px; accent-color: var(--gold); flex-shrink: 0; }
textarea.form-control, .form-group textarea {
  width: 100%; padding: 13px 16px; border-radius: 10px;
  background: rgba(255,255,255,0.05); border: 1px solid var(--border);
  color: var(--white); font-size: 15px; font-family: 'DM Sans', sans-serif;
  outline: none; transition: border-color 0.2s; resize: vertical;
}
.form-group textarea:focus { border-color: var(--gold); }

/* ============================================================
   POLICY PAGE
============================================================ */
.policy-hero {
  padding: 60px 0 56px;
  background: linear-gradient(135deg, #020c1b 0%, #061326 60%, #0a1f3c 100%);
  border-bottom: 1px solid var(--border);
  position: relative; z-index: 1;
}
.policy-body { padding: 60px 0 80px; }
.policy-layout { display: grid; grid-template-columns: 220px 1fr; gap: 48px; align-items: start; }

.policy-sidebar {
  position: sticky; top: 90px;
  background: rgba(13,42,92,0.4); border: 1px solid var(--border);
  border-radius: 16px; padding: 20px;
  display: flex; flex-direction: column; gap: 4px;
}
.sidebar-label {
  font-size: 11px; text-transform: uppercase; letter-spacing: 0.1em;
  color: var(--gold); margin-bottom: 10px; font-weight: 600;
}
.policy-sidebar a {
  padding: 8px 12px; border-radius: 8px; font-size: 13px;
  color: var(--grey2); transition: color 0.2s, background 0.2s;
}
.policy-sidebar a:hover { color: var(--gold); background: var(--gold-dim); }

.policy-content { min-width: 0; }
.policy-section { margin-bottom: 56px; padding-bottom: 40px; border-bottom: 1px solid rgba(255,255,255,0.06); }
.policy-section:last-child { border-bottom: none; }
.policy-section h2 {
  font-size: 24px; font-weight: 700; margin-bottom: 18px;
  display: flex; align-items: center; gap: 12px;
}
.sec-num {
  display: inline-flex; align-items: center; justify-content: center;
  width: 32px; height: 32px; border-radius: 50%; flex-shrink: 0;
  background: var(--gold-dim); border: 1px solid var(--border);
  color: var(--gold); font-size: 14px; font-family: 'DM Sans', sans-serif; font-weight: 700;
}
.policy-list { list-style: none; display: flex; flex-direction: column; gap: 10px; margin-top: 12px; }
.policy-list li {
  display: flex; align-items: flex-start; gap: 10px;
  font-size: 15px; color: var(--grey); line-height: 1.6;
  padding: 8px 0; border-bottom: 1px solid rgba(255,255,255,0.04);
}
.policy-list li::before {
  content: '→'; color: var(--gold); font-weight: 700; flex-shrink: 0; margin-top: 1px;
}
.policy-callout {
  margin-top: 20px; padding: 18px 20px; border-radius: 12px;
  background: rgba(212,175,55,0.08); border-left: 3px solid var(--gold);
  font-size: 14px; color: var(--grey); line-height: 1.7;
}
.policy-callout.amber { background: rgba(245,158,11,0.08); border-left-color: #f59e0b; }
.policy-notice {
  display: flex; gap: 14px; align-items: flex-start;
  padding: 20px; border-radius: 12px; margin-bottom: 40px;
  background: rgba(59,130,246,0.1); border: 1px solid rgba(59,130,246,0.25);
  font-size: 14px; color: var(--grey); line-height: 1.7;
}
.notice-icon { font-size: 22px; flex-shrink: 0; }
.policy-cols { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; margin-top: 12px; }
.policy-col-card {
  padding: 22px; border-radius: 14px;
  border: 1px solid rgba(255,255,255,0.08);
  background: rgba(255,255,255,0.03);
}
.policy-col-card h4 { font-size: 15px; font-weight: 700; margin-bottom: 12px; font-family: 'DM Sans', sans-serif; }
.policy-col-card.green { border-left: 3px solid #10b981; }
.policy-col-card.amber { border-left: 3px solid #f59e0b; }
.policy-col-card.red   { border-left: 3px solid #ef4444; }

/* Process steps */
.process-steps { display: flex; flex-direction: column; gap: 0; margin-top: 16px; }
.process-step {
  display: flex; gap: 20px; align-items: flex-start;
  padding: 20px 0; border-bottom: 1px solid rgba(255,255,255,0.05);
}
.ps-num {
  width: 40px; height: 40px; border-radius: 50%; flex-shrink: 0;
  background: linear-gradient(135deg, var(--navy3), #0f3470);
  border: 1px solid var(--border);
  display: flex; align-items: center; justify-content: center;
  font-family: 'Playfair Display', serif; font-size: 14px; font-weight: 700; color: var(--gold);
}
.ps-body h4 { font-size: 16px; font-weight: 700; margin-bottom: 6px; font-family: 'DM Sans', sans-serif; }
.ps-body p  { font-size: 14px; color: var(--grey); line-height: 1.7; }
.ps-time {
  font-size: 12px; font-weight: 500; color: var(--gold);
  background: var(--gold-dim); border: 1px solid var(--border);
  padding: 2px 10px; border-radius: 999px; margin-left: 8px; font-family: 'DM Sans', sans-serif;
}

/* Timeline cards */
.timeline-cards { display: grid; grid-template-columns: repeat(3,1fr); gap: 16px; margin-top: 16px; }
.tl-card {
  padding: 22px 18px; border-radius: 14px; text-align: center;
  background: rgba(13,42,92,0.5); border: 1px solid var(--border);
}
.tl-card.amber { border-top: 2px solid #f59e0b; }
.tl-days { font-family: 'Playfair Display', serif; font-size: 36px; font-weight: 800; color: var(--gold); }
.tl-label { font-size: 12px; color: var(--grey2); text-transform: uppercase; letter-spacing: 0.08em; margin: 4px 0 8px; }
.tl-desc  { font-size: 13px; color: var(--grey); line-height: 1.6; }

/* Case step tracker */
.status-tracker-ui { margin-top: 24px; }
.case-result-card {
  padding: 28px; border-radius: 20px;
  background: var(--card-bg); border: 1px solid var(--border);
  backdrop-filter: blur(16px); margin-top: 20px;
}
.case-result-header { display: flex; justify-content: space-between; align-items: flex-start; margin-bottom: 24px; }
.case-steps {
  display: flex; align-items: center; justify-content: space-between;
  margin-bottom: 24px; padding: 16px;
  background: rgba(255,255,255,0.03); border-radius: 12px; border: 1px solid rgba(255,255,255,0.06);
}
.case-step { display: flex; flex-direction: column; align-items: center; gap: 6px; }
.cs-dot {
  width: 14px; height: 14px; border-radius: 50%;
  background: rgba(255,255,255,0.1); border: 2px solid rgba(255,255,255,0.15);
  transition: 0.3s;
}
.cs-line { flex: 1; height: 2px; background: rgba(255,255,255,0.08); margin: 0 4px; margin-bottom: 20px; }
.cs-label { font-size: 11px; color: var(--grey2); text-align: center; white-space: nowrap; }
.case-step.done  .cs-dot { background: #10b981; border-color: #10b981; }
.case-step.active .cs-dot { background: var(--gold); border-color: var(--gold); box-shadow: 0 0 10px rgba(212,175,55,0.5); }
.case-step.done  .cs-label { color: #10b981; }
.case-step.active .cs-label { color: var(--gold); font-weight: 600; }
.case-detail-grid { display: grid; grid-template-columns: repeat(2,1fr); gap: 12px; margin: 16px 0; }
.case-detail-item { padding: 12px; background: rgba(255,255,255,0.04); border-radius: 8px; }
.cdl { font-size: 11px; color: var(--grey2); text-transform: uppercase; letter-spacing: 0.08em; margin-bottom: 4px; }
.cdv { font-size: 14px; font-weight: 600; }
.case-message-box {
  padding: 14px 16px; border-radius: 10px; margin-top: 4px;
  background: rgba(212,175,55,0.08); border-left: 3px solid var(--gold);
  font-size: 14px; color: var(--grey); line-height: 1.7;
}

/* Request form */
.request-form-card {
  padding: 32px; border-radius: 20px; margin-top: 24px;
  background: var(--card-bg); border: 1px solid var(--border);
  backdrop-filter: blur(16px);
}
.request-form-card .form-group input,
.request-form-card .form-group select,
.request-form-card .form-group textarea {
  background: rgba(255,255,255,0.05);
}

/* Confirmation */
.confirmation-card {
  padding: 40px; border-radius: 20px; text-align: center;
  background: rgba(16,185,129,0.08); border: 1px solid rgba(16,185,129,0.3);
}
.conf-icon { font-size: 48px; margin-bottom: 16px; }
.conf-case-id {
  display: inline-block; padding: 10px 24px; border-radius: 999px;
  background: var(--gold-dim); border: 1px solid var(--border);
  font-size: 16px; color: var(--gold); margin: 12px 0;
}

/* Policy CTA bar */
.policy-cta-bar {
  padding: 56px 24px;
  background: linear-gradient(135deg, #020c1b, #061326);
  border-top: 1px solid var(--border);
}
.policy-cta-inner {
  display: flex; align-items: center; justify-content: space-between;
  gap: 32px; flex-wrap: wrap;
}
.policy-cta-inner h3 { font-size: 24px; margin-bottom: 8px; }
.policy-cta-inner p  { font-size: 15px; color: var(--grey); }
.policy-cta-btns { display: flex; gap: 12px; flex-wrap: wrap; }

/* ============================================================
   RESPONSIVE — NEW SECTIONS
============================================================ */
@media (max-width: 960px) {
  .policy-layout  { grid-template-columns: 1fr; }
  .policy-sidebar { position: static; flex-direction: row; flex-wrap: wrap; }
  .policy-cols    { grid-template-columns: 1fr; }
  .timeline-cards { grid-template-columns: 1fr; }
  .form-row-2     { grid-template-columns: 1fr; }
  .footer-branches-grid { grid-template-columns: repeat(2,1fr); }
  .footer-contact-sep { display: none; }
  .footer-contact-item { min-width: 160px; }
  .policy-cta-inner { flex-direction: column; }
}
@media (max-width: 600px) {
  .footer-branches-grid { grid-template-columns: 1fr; }
  .case-steps { flex-wrap: wrap; gap: 12px; }
  .cs-line { display: none; }
  .case-detail-grid { grid-template-columns: 1fr; }
}

/* ============================================================
   HERO — TWO COLUMN LAYOUT (v3)
============================================================ */
.hero-two-col {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: center;
  min-height: calc(100vh - 70px);
  padding: 60px 24px;
}
.hero-img-panel {
  position: relative;
  height: 580px;
}
.hero-img-wrap {
  width: 100%; height: 100%;
  border-radius: 24px; overflow: hidden;
  border: 1px solid var(--border);
  box-shadow: 0 32px 80px rgba(0,0,0,0.5);
  cursor: zoom-in;
  position: relative;
}
.hero-img-wrap img {
  width: 100%; height: 100%; object-fit: cover;
  transition: transform 0.5s ease;
}
.hero-img-wrap:hover img { transform: scale(1.04); }
.hero-card-float {
  position: absolute;
  bottom: 24px; left: -24px;
  width: 280px;
  background: rgba(10,25,55,0.92);
  backdrop-filter: blur(20px);
  border: 1px solid var(--border);
  border-radius: 20px;
  padding: 22px;
  box-shadow: 0 20px 60px rgba(0,0,0,0.6);
  z-index: 3;
  animation: floatCard 6s ease-in-out infinite;
}

/* ============================================================
   SHARED IMAGE STYLES
============================================================ */
.gub-img {
  width: 100%; display: block;
  transition: transform 0.5s ease;
}
/* Hover zoom on all image containers */
.gub-lightbox-trigger {
  cursor: zoom-in;
  position: relative;
  overflow: hidden;
}
.gub-lightbox-trigger:hover .gub-img { transform: scale(1.05); }

/* Zoom icon that appears on hover */
.img-hover-zoom-icon {
  position: absolute; top: 12px; right: 12px;
  width: 32px; height: 32px; border-radius: 50%;
  background: rgba(0,0,0,0.6); backdrop-filter: blur(4px);
  display: flex; align-items: center; justify-content: center;
  font-size: 14px; opacity: 0;
  transition: opacity 0.2s; pointer-events: none;
}
.gub-lightbox-trigger:hover .img-hover-zoom-icon { opacity: 1; }

/* Fallback when image fails to load */
.img-fallback {
  background: linear-gradient(135deg, var(--navy3), #0a1f44) !important;
  min-height: 300px;
}
.img-fallback img { display: none; }

/* Admin swap bar (only visible to admins) */
.img-swap-bar {
  display: flex; align-items: center; justify-content: space-between;
  padding: 6px 12px; border-radius: 8px 8px 0 0;
  background: rgba(212,175,55,0.15); border: 1px solid var(--border);
  border-bottom: none; font-size: 12px;
}
.img-swap-label { color: var(--gold); font-weight: 500; }
.img-swap-btn {
  padding: 3px 10px; border-radius: 6px;
  background: var(--gold); color: var(--navy);
  font-size: 11px; font-weight: 700;
  transition: opacity 0.2s;
}
.img-swap-btn:hover { opacity: 0.8; }

/* Caption pill under image */
.img-caption-pill {
  margin-top: 12px;
  display: inline-flex; align-items: center; gap: 6px;
  padding: 6px 14px; border-radius: 999px;
  background: var(--gold-dim); border: 1px solid var(--border);
  font-size: 12px; color: var(--gold); font-weight: 500;
}

/* Split image wrap (trust section) */
.split-img-wrap { position: relative; }
.split-section .split-img {
  border-radius: 24px; overflow: hidden;
  box-shadow: 0 24px 80px rgba(0,0,0,0.5);
  border: 1px solid var(--border);
}
.split-section .split-img img {
  width: 100%; height: 420px; object-fit: cover;
}

/* ============================================================
   FEATURE IMAGE GRID (Section 3)
============================================================ */
.feat-img-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
  margin-bottom: 8px;
}
.feat-img-card {
  border-radius: 20px; overflow: hidden;
  border: 1px solid var(--border);
  background: var(--card-bg);
  transition: transform 0.3s, box-shadow 0.3s, border-color 0.3s;
}
.feat-img-card:hover {
  transform: translateY(-6px);
  box-shadow: 0 24px 64px rgba(0,0,0,0.45);
  border-color: var(--gold);
}
.feat-img-wrap {
  position: relative; overflow: hidden;
  height: 260px;
}
.feat-img-wrap img {
  width: 100%; height: 100%; object-fit: cover;
}
/* Overlay that slides up on hover */
.feat-img-overlay {
  position: absolute; inset: 0;
  background: linear-gradient(to top, rgba(6,19,38,0.95) 0%, rgba(6,19,38,0.3) 60%, transparent 100%);
  padding: 24px;
  display: flex; flex-direction: column; justify-content: flex-end;
  transform: translateY(30px); opacity: 0;
  transition: transform 0.4s ease, opacity 0.4s ease;
}
.feat-img-card:hover .feat-img-overlay { transform: translateY(0); opacity: 1; }
.feat-overlay-icon { font-size: 28px; margin-bottom: 8px; }
.feat-img-overlay h3 { font-size: 20px; margin-bottom: 6px; }
.feat-img-overlay p  { font-size: 13px; color: var(--grey); line-height: 1.6; }
.feat-img-body { padding: 20px 22px; }
.feat-tag {
  display: inline-block; padding: 3px 10px; border-radius: 999px;
  background: var(--gold-dim); border: 1px solid var(--border);
  font-size: 11px; color: var(--gold); font-weight: 600;
  text-transform: uppercase; letter-spacing: 0.08em; margin-bottom: 10px;
}
.feat-img-body p { font-size: 14px; color: var(--grey); line-height: 1.7; }

/* ============================================================
   HOW IT WORKS — STICKY IMAGE LAYOUT (Section 4)
============================================================ */
#how-it-works { padding: 100px 0; }
.hiw-layout {
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 64px; align-items: start;
}
.hiw-steps { padding-right: 16px; }
.hiw-step {
  display: flex; gap: 20px; align-items: flex-start;
  margin-bottom: 8px;
}
.hiw-step-num {
  font-family: 'Playfair Display', serif;
  font-size: 48px; font-weight: 800;
  color: rgba(212,175,55,0.15); line-height: 1;
  flex-shrink: 0; width: 56px;
}
.hiw-step-body h3 { font-size: 21px; margin-bottom: 8px; }
.hiw-step-body p  { font-size: 14px; color: var(--grey); line-height: 1.8; }
.hiw-step-icon { font-size: 24px; margin-bottom: 8px; }
.hiw-connector {
  width: 2px; height: 32px; background: var(--border);
  margin: 4px 0 4px 26px; border-radius: 2px;
}

/* Sticky image column */
.hiw-img-col { position: relative; }
.hiw-img-sticky {
  position: sticky; top: 100px;
}
.hiw-img-wrap {
  border-radius: 24px; overflow: hidden;
  border: 1px solid var(--border);
  box-shadow: 0 24px 80px rgba(0,0,0,0.5);
}
.hiw-img-wrap img {
  width: 100%; height: 480px; object-fit: cover;
  display: block;
}
.hiw-stats-overlay {
  position: absolute; bottom: 20px; left: 16px; right: 16px;
  background: rgba(6,19,38,0.88); backdrop-filter: blur(12px);
  border: 1px solid var(--border); border-radius: 14px;
  padding: 16px 20px;
  display: flex; justify-content: space-around;
}
.hiw-stat { text-align: center; }
.hiw-stat-val {
  font-family: 'Playfair Display', serif;
  font-size: 22px; font-weight: 700; color: var(--gold);
}
.hiw-stat-lbl { font-size: 11px; color: var(--grey2); margin-top: 2px; }

/* ============================================================
   VERTICAL TESTIMONIALS SLIDER (Section 5)
   Uses custom JS — no Swiper dependency required.
   One slide visible at a time. Vertical snap scroll.
============================================================ */
#reviews { padding: 100px 0; }
.testi-outer { max-width: 800px; margin: 0 auto; }
.testi-slider-wrap {
  position: relative;
  /* viewport clips to one slide height */
}
.testi-viewport {
  height: 280px; /* one slide height */
  overflow: hidden;
  border-radius: 20px;
  position: relative;
}
.testi-track {
  display: flex;
  flex-direction: column;
  transition: transform 0.55s cubic-bezier(0.4, 0, 0.2, 1);
}
/* Each slide = same height as viewport */
.testi-slide {
  min-height: 280px;
  padding: 32px 36px;
  background: var(--card-bg);
  border: 1px solid var(--border);
  border-radius: 20px;
  backdrop-filter: blur(16px);
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  flex-shrink: 0;
  box-sizing: border-box;
}
.testi-top {
  display: flex; align-items: center; gap: 14px;
  margin-bottom: 16px;
}
.testi-avatar {
  width: 52px; height: 52px; border-radius: 50%;
  background: linear-gradient(135deg, var(--navy3), #1a3a7a);
  border: 2px solid var(--border);
  display: flex; align-items: center; justify-content: center;
  font-size: 22px; flex-shrink: 0;
}
.testi-name { font-weight: 700; font-size: 16px; }
.testi-role { font-size: 12px; color: var(--grey2); margin-top: 2px; }
.testi-stars { display: flex; gap: 2px; margin-bottom: 14px; }
.testi-stars span { font-size: 15px; }
.testi-text {
  font-size: 15px; color: var(--grey); line-height: 1.75;
  font-style: italic;
  flex: 1;
}
.testi-footer {
  display: flex; align-items: center; justify-content: space-between;
  margin-top: 16px;
}
.testi-verified {
  display: inline-flex; align-items: center; gap: 5px;
  font-size: 11px; color: #48bb78;
  padding: 3px 10px; border-radius: 999px;
  background: rgba(72,187,120,0.1);
  border: 1px solid rgba(72,187,120,0.25);
}
.testi-date { font-size: 11px; color: var(--grey2); }

/* Right-side pagination dots */
.testi-pagination {
  position: absolute; right: -28px; top: 50%;
  transform: translateY(-50%);
  display: flex; flex-direction: column; gap: 8px;
  z-index: 2;
}
.testi-dot {
  width: 6px; height: 6px; border-radius: 50%;
  background: rgba(255,255,255,0.2);
  cursor: pointer; transition: 0.3s;
  border: none; padding: 0;
}
.testi-dot.active {
  background: var(--gold);
  height: 18px; border-radius: 3px;
}

/* Up/down arrow controls */
.testi-arrows {
  position: absolute; right: -60px; top: 50%;
  transform: translateY(-50%);
  display: flex; flex-direction: column; gap: 10px;
}
.testi-arrow {
  width: 36px; height: 36px; border-radius: 50%;
  background: var(--card-bg); border: 1px solid var(--border);
  color: var(--white); font-size: 16px; cursor: pointer;
  display: flex; align-items: center; justify-content: center;
  transition: background 0.2s, border-color 0.2s;
}
.testi-arrow:hover { background: var(--gold-dim); border-color: var(--gold); }

/* Autoplay progress bar */
.testi-progress-wrap {
  height: 3px; background: rgba(255,255,255,0.08);
  border-radius: 2px; margin-top: 16px; overflow: hidden;
}
.testi-progress-bar {
  height: 100%; background: linear-gradient(90deg, var(--gold), var(--gold2));
  border-radius: 2px; width: 0%;
  transition: width linear;
}
.testi-counter {
  text-align: right; font-size: 12px; color: var(--grey2);
  margin-top: 8px;
}

/* ============================================================
   PROOF / RESULTS BANNER (Section 6)
============================================================ */
#proof-section { position: relative; z-index: 1; }
.proof-bg {
  background-size: cover;
  background-position: center;
  background-attachment: fixed; /* parallax */
  position: relative;
  padding: 100px 0;
}
.proof-overlay {
  position: absolute; inset: 0;
  background: linear-gradient(135deg, rgba(6,19,38,0.88) 0%, rgba(10,31,68,0.75) 100%);
}
.proof-inner { position: relative; z-index: 2; }
.proof-stats {
  display: flex; align-items: center; flex-wrap: wrap;
  gap: 0; margin-top: 40px;
}
.proof-stat { text-align: center; padding: 0 32px; }
.proof-stat-val {
  font-family: 'Playfair Display', serif;
  font-size: 40px; font-weight: 800; color: var(--gold); line-height: 1;
}
.proof-stat-lbl { font-size: 13px; color: var(--grey); margin-top: 6px; }
.proof-stat-sep {
  width: 1px; height: 50px;
  background: var(--border); flex-shrink: 0;
}

/* ============================================================
   LIGHTBOX
============================================================ */
.gub-lightbox {
  display: none;
  position: fixed; inset: 0; z-index: 99999;
  background: rgba(2,8,18,0.95);
  backdrop-filter: blur(8px);
  align-items: center; justify-content: center;
  flex-direction: column;
}
.gub-lightbox.open { display: flex; }
.lb-img-wrap {
  position: relative;
  max-width: 90vw; max-height: 85vh;
  display: flex; align-items: center; justify-content: center;
}
.lb-img-wrap img {
  max-width: 90vw; max-height: 80vh;
  object-fit: contain;
  border-radius: 12px;
  box-shadow: 0 40px 100px rgba(0,0,0,0.8);
  animation: lbFadeIn 0.3s ease;
}
@keyframes lbFadeIn { from { opacity:0; transform:scale(0.94); } to { opacity:1; transform:scale(1); } }
.lb-close {
  position: fixed; top: 20px; right: 24px;
  width: 44px; height: 44px; border-radius: 50%;
  background: rgba(255,255,255,0.1); border: 1px solid rgba(255,255,255,0.2);
  color: var(--white); font-size: 20px; cursor: pointer;
  display: flex; align-items: center; justify-content: center;
  transition: background 0.2s; z-index: 2;
}
.lb-close:hover { background: rgba(255,255,255,0.2); }
.lb-nav {
  position: fixed; top: 50%; transform: translateY(-50%);
  width: 50px; height: 50px; border-radius: 50%;
  background: rgba(255,255,255,0.1); border: 1px solid rgba(255,255,255,0.2);
  color: var(--white); font-size: 28px; cursor: pointer;
  display: flex; align-items: center; justify-content: center;
  transition: background 0.2s; z-index: 2;
}
.lb-nav:hover { background: var(--gold-dim); border-color: var(--gold); }
.lb-prev { left: 20px; }
.lb-next { right: 20px; }
.lb-counter {
  position: fixed; bottom: 24px;
  font-size: 13px; color: var(--grey); letter-spacing: 0.08em;
}
.lb-spinner {
  position: absolute; inset: 0;
  display: none; align-items: center; justify-content: center;
}
.lb-spinner.active { display: flex; }
.lb-spinner::after {
  content: ''; width: 36px; height: 36px; border-radius: 50%;
  border: 3px solid rgba(212,175,55,0.2);
  border-top-color: var(--gold);
  animation: spin 0.7s linear infinite;
}
@keyframes spin { to { transform: rotate(360deg); } }

/* ============================================================
   RESPONSIVE — NEW SECTIONS v3
============================================================ */
@media (max-width: 1080px) {
  .testi-pagination { right: -20px; }
  .testi-arrows     { right: -48px; }
}
@media (max-width: 960px) {
  .hero-two-col     { grid-template-columns: 1fr; }
  .hero-img-panel   { height: 380px; }
  .hero-card-float  { display: none; }
  .hiw-layout       { grid-template-columns: 1fr; }
  .hiw-img-sticky   { position: static; }
  .hiw-img-wrap img { height: 300px; }
  .proof-bg         { background-attachment: scroll; }
  .proof-stats      { justify-content: center; gap: 16px; }
  .proof-stat-sep   { display: none; }
  .feat-img-grid    { grid-template-columns: 1fr; }
  .testi-pagination { right: -18px; }
  .testi-arrows     { display: none; }
}
@media (max-width: 600px) {
  .testi-viewport { height: auto; min-height: 300px; }
  .testi-slide    { min-height: 300px; padding: 24px 20px; }
  .testi-pagination { display: none; }
  .proof-stat-val { font-size: 28px; }
  .proof-stat     { padding: 0 16px; }
  .hiw-step-num   { font-size: 32px; width: 40px; }
  .lb-nav         { width: 40px; height: 40px; font-size: 22px; }
}