/* ─── ACU Global Styles ───────────────────────────────────────────────────── */
@import url('https://fonts.googleapis.com/css2?family=Inter:wght@300;400;500;600;700;800&family=Playfair+Display:wght@700;800&display=swap');

:root {
  --navy:   #0D2E5A;
  --navy-light: #1A4480;
  --amber:  #E8920A;
  --amber-light: #F5A623;
  --white:  #FFFFFF;
  --off-white: #F8F9FC;
  --gray-100: #F1F3F7;
  --gray-300: #CDD5E0;
  --gray-500: #6B7A96;
  --gray-700: #3D4A5C;
  --gray-900: #1A2332;
  --shadow-sm: 0 2px 8px rgba(13,46,90,.08);
  --shadow-md: 0 8px 24px rgba(13,46,90,.12);
  --shadow-lg: 0 20px 48px rgba(13,46,90,.16);
  --radius-sm: 6px;
  --radius-md: 12px;
  --radius-lg: 20px;
  --transition: .25s ease;
}

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

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

body {
  font-family: 'Inter', system-ui, sans-serif;
  color: var(--gray-900);
  background: var(--white);
  line-height: 1.6;
  overflow-x: hidden;
}

img { max-width: 100%; height: auto; display: block; }
a  { text-decoration: none; color: inherit; }
ul { list-style: none; }

/* ─── Typography ─────────────────────────────────────────────────────────── */
h1, h2, h3, h4 {
  font-family: 'Playfair Display', Georgia, serif;
  font-weight: 700;
  line-height: 1.2;
  color: var(--navy);
}

.section-label {
  display: inline-block;
  font-size: .75rem;
  font-weight: 700;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--amber);
  margin-bottom: .75rem;
}

.section-title {
  font-size: clamp(1.75rem, 3vw, 2.5rem);
  margin-bottom: 1rem;
}

.section-subtitle {
  font-size: 1.0625rem;
  color: var(--gray-500);
  max-width: 600px;
}

/* ─── Layout Utilities ───────────────────────────────────────────────────── */
.two-col       { display:grid; grid-template-columns:1fr 1fr; gap:4rem; align-items:center; }
.two-col-start { display:grid; grid-template-columns:1fr 1fr; gap:3rem; align-items:start; }
.two-col-lg    { display:grid; grid-template-columns:1fr 1.4fr; gap:4rem; align-items:start; }
.img-stack     { display:grid; grid-template-columns:1fr 1fr; gap:.875rem; }
.img-stack img { border-radius:var(--radius-md); width:100%; aspect-ratio:1; object-fit:cover; }
.img-stack img.tall { aspect-ratio:3/4; }

/* ─── Utilities ──────────────────────────────────────────────────────────── */
.container {
  max-width: 1180px;
  margin: 0 auto;
  padding: 0 1.5rem;
}

.btn {
  display: inline-flex;
  align-items: center;
  gap: .5rem;
  padding: .75rem 1.75rem;
  border-radius: var(--radius-sm);
  font-size: .9375rem;
  font-weight: 600;
  cursor: pointer;
  transition: all var(--transition);
  border: 2px solid transparent;
  white-space: nowrap;
}
.btn-primary {
  background: var(--amber);
  color: var(--white);
  border-color: var(--amber);
}
.btn-primary:hover { background: #c97c08; border-color: #c97c08; transform: translateY(-1px); box-shadow: var(--shadow-md); }
.btn-outline {
  background: transparent;
  color: var(--white);
  border-color: rgba(255,255,255,.6);
}
.btn-outline:hover { background: rgba(255,255,255,.12); border-color: var(--white); }
.btn-navy {
  background: var(--navy);
  color: var(--white);
  border-color: var(--navy);
}
.btn-navy:hover { background: var(--navy-light); border-color: var(--navy-light); transform: translateY(-1px); box-shadow: var(--shadow-md); }

.text-center { text-align: center; }
.text-amber  { color: var(--amber); }

/* ─── Navbar ─────────────────────────────────────────────────────────────── */
.navbar {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  background: rgba(13,46,90,.96);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid rgba(255,255,255,.08);
  transition: box-shadow var(--transition);
}
.navbar.scrolled { box-shadow: var(--shadow-lg); }

.navbar-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 72px;
  gap: 2rem;
}

.navbar-brand {
  display: flex;
  align-items: center;
  gap: .75rem;
  flex-shrink: 0;
}
.brand-logo {
  width: 44px; height: 44px;
  background: var(--amber);
  border-radius: var(--radius-sm);
  display: flex; align-items: center; justify-content: center;
  font-family: 'Playfair Display', serif;
  font-weight: 800;
  font-size: 1.1rem;
  color: var(--white);
  letter-spacing: -.02em;
}
.brand-text { color: var(--white); }
.brand-text .brand-name {
  display: block;
  font-family: 'Playfair Display', serif;
  font-weight: 700;
  font-size: 1.0625rem;
  line-height: 1.1;
}
.brand-text .brand-sub {
  display: block;
  font-size: .6875rem;
  font-weight: 400;
  color: rgba(255,255,255,.55);
  letter-spacing: .04em;
  line-height: 1.3;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: .25rem;
}
.nav-links a {
  padding: .5rem .875rem;
  border-radius: var(--radius-sm);
  font-size: .9rem;
  font-weight: 500;
  color: rgba(255,255,255,.8);
  transition: all var(--transition);
}
.nav-links a:hover,
.nav-links a.active { color: var(--white); background: rgba(255,255,255,.1); }
.nav-links a.active { color: var(--amber-light); }

.nav-cta {
  flex-shrink: 0;
}

.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  padding: .5rem;
  background: none;
  border: none;
}
.hamburger span {
  display: block;
  width: 24px; height: 2px;
  background: var(--white);
  border-radius: 2px;
  transition: all var(--transition);
}
.hamburger.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.hamburger.open span:nth-child(2) { opacity: 0; }
.hamburger.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* ─── Hero ───────────────────────────────────────────────────────────────── */
.hero {
  position: relative;
  min-height: 100vh;
  display: flex;
  align-items: center;
  overflow: hidden;
  padding-top: 72px;
}

.hero-bg {
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, var(--navy) 0%, #0a2347 60%, #071a35 100%);
}
.hero-bg::after {
  content: '';
  position: absolute;
  inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.025'%3E%3Ccircle cx='30' cy='30' r='2'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}

.hero-image-overlay {
  position: absolute;
  inset: 0;
  overflow: hidden;
}
.hero-image-overlay img {
  width: 100%; height: 100%;
  object-fit: cover;
  object-position: center;
  opacity: .15;
  filter: grayscale(30%);
}

.hero-content {
  position: relative;
  z-index: 2;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: center;
  padding: 5rem 0;
  width: 100%;
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: .5rem;
  background: rgba(232,146,10,.15);
  border: 1px solid rgba(232,146,10,.3);
  color: var(--amber-light);
  font-size: .8125rem;
  font-weight: 600;
  letter-spacing: .06em;
  text-transform: uppercase;
  padding: .4rem 1rem;
  border-radius: 999px;
  margin-bottom: 1.5rem;
}

.hero-title {
  font-size: clamp(2.25rem, 4vw, 3.5rem);
  color: var(--white);
  margin-bottom: 1.25rem;
  line-height: 1.15;
}
.hero-title span { color: var(--amber-light); }

.hero-desc {
  font-size: 1.0625rem;
  color: rgba(255,255,255,.7);
  margin-bottom: 2rem;
  line-height: 1.7;
}

.hero-actions {
  display: flex;
  gap: 1rem;
  flex-wrap: wrap;
}

.hero-stats {
  display: flex;
  gap: 2rem;
  margin-top: 3rem;
  padding-top: 2rem;
  border-top: 1px solid rgba(255,255,255,.12);
}
.stat-item .stat-number {
  display: block;
  font-family: 'Playfair Display', serif;
  font-size: 2rem;
  font-weight: 700;
  color: var(--amber-light);
  line-height: 1;
}
.stat-item .stat-label {
  font-size: .8125rem;
  color: rgba(255,255,255,.55);
  margin-top: .25rem;
}

.hero-visual {
  position: relative;
}
.hero-card-stack {
  position: relative;
}
.hero-card-stack .card-main {
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
  aspect-ratio: 4/3;
}
.hero-card-stack .card-main img {
  width: 100%; height: 100%;
  object-fit: cover;
}
.hero-card-float {
  position: absolute;
  bottom: -1.5rem;
  left: -1.5rem;
  background: var(--white);
  border-radius: var(--radius-md);
  padding: 1rem 1.25rem;
  box-shadow: var(--shadow-lg);
  display: flex;
  align-items: center;
  gap: .875rem;
}
.hero-card-float .float-icon {
  width: 42px; height: 42px;
  background: var(--amber);
  border-radius: var(--radius-sm);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.25rem;
}
.hero-card-float .float-text strong {
  display: block;
  font-size: .9375rem;
  font-weight: 700;
  color: var(--navy);
}
.hero-card-float .float-text span {
  font-size: .75rem;
  color: var(--gray-500);
}

.hero-badge-top {
  position: absolute;
  top: -1rem;
  right: -1rem;
  background: var(--navy);
  color: var(--white);
  border-radius: var(--radius-md);
  padding: .875rem 1rem;
  text-align: center;
  box-shadow: var(--shadow-md);
}
.hero-badge-top .badge-num {
  display: block;
  font-family: 'Playfair Display', serif;
  font-size: 1.75rem;
  font-weight: 700;
  color: var(--amber-light);
  line-height: 1;
}
.hero-badge-top .badge-txt {
  font-size: .7rem;
  color: rgba(255,255,255,.6);
  text-transform: uppercase;
  letter-spacing: .06em;
}

/* ─── Trust Bar ──────────────────────────────────────────────────────────── */
.trust-bar {
  background: var(--gray-100);
  padding: 1.25rem 0;
  border-bottom: 1px solid var(--gray-300);
}
.trust-bar-inner {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 2.5rem;
  flex-wrap: wrap;
}
.trust-item {
  display: flex;
  align-items: center;
  gap: .5rem;
  font-size: .875rem;
  font-weight: 500;
  color: var(--gray-700);
}
.trust-item .trust-icon { font-size: 1.1rem; color: var(--amber); }

/* ─── Sections Generic ───────────────────────────────────────────────────── */
.section {
  padding: 5rem 0;
}
.section-header {
  margin-bottom: 3rem;
}
.section-header.centered { text-align: center; }
.section-header.centered .section-subtitle { margin: 0 auto; }

/* ─── About Strip (home) ─────────────────────────────────────────────────── */
.about-strip {
  background: var(--white);
}
.about-strip-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: center;
}
.about-image-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
}
.about-image-grid img {
  border-radius: var(--radius-md);
  aspect-ratio: 1;
  object-fit: cover;
  width: 100%;
}
.about-image-grid img:first-child {
  grid-column: 1 / -1;
  aspect-ratio: 16/7;
}
.about-values {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: .75rem;
  margin: 2rem 0;
}
.value-chip {
  display: flex;
  align-items: center;
  gap: .5rem;
  font-size: .875rem;
  font-weight: 500;
  color: var(--navy);
}
.value-chip::before {
  content: '';
  width: 8px; height: 8px;
  background: var(--amber);
  border-radius: 50%;
  flex-shrink: 0;
}

/* ─── Services Grid ──────────────────────────────────────────────────────── */
.services-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 1.5rem;
}

.service-card {
  background: var(--white);
  border: 1px solid var(--gray-300);
  border-radius: var(--radius-md);
  padding: 2rem;
  transition: all var(--transition);
  position: relative;
  overflow: hidden;
}
.service-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: var(--amber);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform var(--transition);
}
.service-card:hover { border-color: transparent; box-shadow: var(--shadow-md); transform: translateY(-3px); }
.service-card:hover::before { transform: scaleX(1); }

.service-icon {
  width: 52px; height: 52px;
  background: rgba(232,146,10,.1);
  border-radius: var(--radius-sm);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.5rem;
  margin-bottom: 1.25rem;
}
.service-card h3 {
  font-size: 1.0625rem;
  margin-bottom: .625rem;
}
.service-card p {
  font-size: .9rem;
  color: var(--gray-500);
  line-height: 1.6;
}

/* ─── Accounts ───────────────────────────────────────────────────────────── */
.accounts-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
  gap: 1.5rem;
}

.account-card {
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--gray-300);
  transition: all var(--transition);
  display: flex;
  flex-direction: column;
}
.account-card:hover { box-shadow: var(--shadow-md); transform: translateY(-4px); }

.account-card-header {
  padding: 1.75rem 2rem;
  background: var(--navy);
  position: relative;
  overflow: hidden;
}
.account-card-header::after {
  content: '';
  position: absolute;
  top: -30px; right: -30px;
  width: 100px; height: 100px;
  background: rgba(255,255,255,.06);
  border-radius: 50%;
}
.account-card-header .account-icon {
  font-size: 2rem;
  margin-bottom: .75rem;
}
.account-card-header h3 { color: var(--white); font-size: 1.125rem; margin-bottom: .25rem; }
.account-card-header p  { color: rgba(255,255,255,.6); font-size: .8375rem; }

.account-card-body {
  padding: 1.75rem 2rem;
  background: var(--white);
  flex: 1;
}
.req-list {
  display: flex;
  flex-direction: column;
  gap: .625rem;
}
.req-list li {
  display: flex;
  align-items: flex-start;
  gap: .5rem;
  font-size: .875rem;
  color: var(--gray-700);
}
.req-list li::before {
  content: '✓';
  color: var(--amber);
  font-weight: 700;
  flex-shrink: 0;
  margin-top: .05rem;
}

.account-card.featured .account-card-header { background: var(--amber); }

/* ─── ACUBOSS Section ────────────────────────────────────────────────────── */
.acuboss {
  background: linear-gradient(135deg, var(--navy) 0%, #1a4480 100%);
  color: var(--white);
}
.acuboss-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 4rem;
  align-items: center;
}
.acuboss h2 { color: var(--white); }
.acuboss .section-label { color: var(--amber-light); }
.acuboss p { color: rgba(255,255,255,.75); margin-bottom: 1.5rem; }

.package-cards {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1rem;
}
.package-card {
  background: rgba(255,255,255,.08);
  border: 1px solid rgba(255,255,255,.15);
  border-radius: var(--radius-md);
  padding: 1.25rem;
  text-align: center;
  transition: all var(--transition);
}
.package-card:hover { background: rgba(255,255,255,.14); }
.package-card .pkg-label {
  font-size: .7rem;
  font-weight: 700;
  letter-spacing: .08em;
  text-transform: uppercase;
  color: var(--amber-light);
  margin-bottom: .5rem;
}
.package-card .pkg-amount {
  font-family: 'Playfair Display', serif;
  font-size: 1.125rem;
  font-weight: 700;
  color: var(--white);
  margin-bottom: .25rem;
}
.package-card .pkg-sub {
  font-size: .75rem;
  color: rgba(255,255,255,.5);
}

/* ─── Branches ───────────────────────────────────────────────────────────── */
.branches-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 1.5rem;
}

.branch-card {
  background: var(--white);
  border: 1px solid var(--gray-300);
  border-radius: var(--radius-md);
  overflow: hidden;
  transition: all var(--transition);
}
.branch-card:hover { box-shadow: var(--shadow-md); transform: translateY(-3px); }

.branch-card-img {
  height: 160px;
  overflow: hidden;
  background: var(--gray-100);
}
.branch-card-img img {
  width: 100%; height: 100%;
  object-fit: cover;
  transition: transform .4s ease;
}
.branch-card:hover .branch-card-img img { transform: scale(1.05); }

.branch-card-body {
  padding: 1.5rem;
}
.branch-card-body h3 {
  font-size: 1rem;
  margin-bottom: .5rem;
}
.branch-meta {
  display: flex;
  flex-direction: column;
  gap: .5rem;
  margin-top: .75rem;
}
.branch-meta-item {
  display: flex;
  align-items: flex-start;
  gap: .5rem;
  font-size: .875rem;
  color: var(--gray-500);
}
.branch-meta-item .meta-icon { color: var(--amber); flex-shrink: 0; }

.branch-card.hq { border-color: var(--amber); }
.branch-card.hq .branch-card-body h3::after {
  content: ' (HQ)';
  font-size: .75rem;
  color: var(--amber);
  font-family: 'Inter', sans-serif;
  font-weight: 600;
}

/* ─── CTA Banner ─────────────────────────────────────────────────────────── */
.cta-banner {
  background: linear-gradient(135deg, var(--amber) 0%, #c97c08 100%);
  padding: 4rem 0;
  text-align: center;
}
.cta-banner h2 { color: var(--white); margin-bottom: 1rem; font-size: clamp(1.75rem, 3vw, 2.25rem); }
.cta-banner p  { color: rgba(255,255,255,.85); margin-bottom: 2rem; font-size: 1.0625rem; }
.cta-actions   { display: flex; gap: 1rem; justify-content: center; flex-wrap: wrap; }

/* ─── Contact ────────────────────────────────────────────────────────────── */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1.4fr;
  gap: 4rem;
  align-items: start;
}
.contact-info-card {
  background: var(--navy);
  border-radius: var(--radius-lg);
  padding: 2.5rem;
  color: var(--white);
}
.contact-info-card h3 { color: var(--white); margin-bottom: 2rem; }
.contact-info-list {
  display: flex;
  flex-direction: column;
  gap: 1.5rem;
}
.contact-info-item {
  display: flex;
  gap: 1rem;
}
.contact-info-item .ci-icon {
  width: 40px; height: 40px;
  background: rgba(232,146,10,.2);
  border-radius: var(--radius-sm);
  display: flex; align-items: center; justify-content: center;
  color: var(--amber-light);
  flex-shrink: 0;
}
.contact-info-item .ci-label {
  font-size: .75rem;
  color: rgba(255,255,255,.5);
  text-transform: uppercase;
  letter-spacing: .06em;
  margin-bottom: .2rem;
}
.contact-info-item .ci-value {
  font-size: .9375rem;
  font-weight: 500;
}

.contact-form {
  background: var(--white);
  border: 1px solid var(--gray-300);
  border-radius: var(--radius-lg);
  padding: 2.5rem;
  box-shadow: var(--shadow-sm);
}
.contact-form h3 { margin-bottom: 1.75rem; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
.form-group { display: flex; flex-direction: column; gap: .5rem; margin-bottom: 1.25rem; }
.form-group label { font-size: .875rem; font-weight: 600; color: var(--gray-700); }
.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: .75rem 1rem;
  border: 1.5px solid var(--gray-300);
  border-radius: var(--radius-sm);
  font-family: 'Inter', sans-serif;
  font-size: .9375rem;
  color: var(--gray-900);
  background: var(--white);
  transition: border-color var(--transition);
  outline: none;
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus { border-color: var(--navy); box-shadow: 0 0 0 3px rgba(13,46,90,.08); }
.form-group textarea { resize: vertical; min-height: 120px; }

/* ─── Page Hero (inner pages) ─────────────────────────────────────────────── */
.page-hero {
  background: linear-gradient(135deg, var(--navy) 0%, #1a4480 100%);
  padding: 7rem 0 4rem;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.page-hero::before {
  content: '';
  position: absolute;
  top: -50%; left: -20%;
  width: 80%; height: 200%;
  background: radial-gradient(circle, rgba(232,146,10,.08) 0%, transparent 70%);
}
.page-hero h1 { color: var(--white); font-size: clamp(2rem, 4vw, 3rem); margin-bottom: .75rem; }
.page-hero p  { color: rgba(255,255,255,.7); font-size: 1.0625rem; max-width: 600px; margin: 0 auto; }
.breadcrumb {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: .5rem;
  font-size: .8125rem;
  color: rgba(255,255,255,.5);
  margin-bottom: 1.25rem;
}
.breadcrumb a { color: rgba(255,255,255,.7); }
.breadcrumb a:hover { color: var(--amber-light); }
.breadcrumb .sep { color: rgba(255,255,255,.3); }

/* ─── Financing Section ───────────────────────────────────────────────────── */
.financing-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 1.25rem;
}
.financing-item {
  display: flex;
  align-items: flex-start;
  gap: 1rem;
  padding: 1.25rem;
  background: var(--white);
  border: 1px solid var(--gray-300);
  border-radius: var(--radius-md);
  transition: all var(--transition);
}
.financing-item:hover { box-shadow: var(--shadow-sm); border-color: var(--amber); }
.financing-item .fi-icon {
  width: 40px; height: 40px;
  background: rgba(232,146,10,.1);
  border-radius: var(--radius-sm);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.2rem;
  flex-shrink: 0;
}
.financing-item h4 { font-size: .9375rem; margin-bottom: .25rem; }
.financing-item p  { font-size: .8125rem; color: var(--gray-500); }

/* ─── Team ────────────────────────────────────────────────────────────────── */
.team-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 1.5rem;
}
.team-card {
  background: var(--white);
  border: 1px solid var(--gray-300);
  border-radius: var(--radius-md);
  overflow: hidden;
  text-align: center;
  transition: all var(--transition);
}
.team-card:hover { box-shadow: var(--shadow-md); transform: translateY(-3px); }
.team-card-img {
  height: 220px;
  overflow: hidden;
}
.team-card-img img {
  width: 100%; height: 100%;
  object-fit: cover;
  object-position: top;
}
.team-card-body { padding: 1.25rem; }
.team-card-body h4 { margin-bottom: .25rem; }
.team-card-body span { font-size: .8375rem; color: var(--amber); font-weight: 600; }

/* ─── Footer ─────────────────────────────────────────────────────────────── */
.footer {
  background: var(--gray-900);
  color: rgba(255,255,255,.65);
  padding: 4rem 0 0;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr 1fr;
  gap: 3rem;
  padding-bottom: 3rem;
}
.footer-brand .brand-logo { margin-bottom: 1rem; }
.footer-brand p { font-size: .9rem; line-height: 1.7; margin-bottom: 1.5rem; }

.footer-col h4 {
  color: var(--white);
  font-size: .9375rem;
  margin-bottom: 1.25rem;
  font-family: 'Inter', sans-serif;
  font-weight: 700;
}
.footer-col ul { display: flex; flex-direction: column; gap: .625rem; }
.footer-col ul a {
  font-size: .875rem;
  color: rgba(255,255,255,.55);
  transition: color var(--transition);
}
.footer-col ul a:hover { color: var(--amber-light); }

.footer-contact-list { display: flex; flex-direction: column; gap: .875rem; }
.footer-contact-item {
  display: flex;
  align-items: flex-start;
  gap: .625rem;
  font-size: .875rem;
}
.footer-contact-item .fci-icon { color: var(--amber); flex-shrink: 0; margin-top: .1rem; }

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.08);
  padding: 1.25rem 0;
  display: flex;
  align-items: center;
  justify-content: space-between;
  font-size: .8125rem;
}
.footer-values {
  display: flex;
  gap: 1.5rem;
}
.footer-values span {
  color: rgba(255,255,255,.4);
  font-size: .75rem;
  text-transform: uppercase;
  letter-spacing: .06em;
}

/* ─── Responsive ─────────────────────────────────────────────────────────── */

/* ── Tablet ── */
@media (max-width: 1024px) {
  .hero-content     { gap: 2.5rem; }
  .about-strip-inner { gap: 2.5rem; }
  .acuboss-inner    { gap: 2.5rem; }
  .footer-grid      { grid-template-columns: 1fr 1fr; }
}

/* ── Mobile landscape / small tablet ── */
@media (max-width: 768px) {
  /* ── Navbar ── */
  .hamburger { display: flex; }
  .nav-links {
    display: none;
    position: absolute;
    top: 72px; left: 0; right: 0;
    background: var(--navy);
    flex-direction: column;
    padding: 1rem 1.5rem 1.5rem;
    border-top: 1px solid rgba(255,255,255,.1);
    box-shadow: 0 8px 24px rgba(0,0,0,.25);
    z-index: 999;
  }
  .nav-links.open { display: flex; }
  .nav-links a     { padding: .875rem 1rem; width: 100%; border-radius: var(--radius-sm); font-size: 1rem; }
  .nav-cta         { display: none; }

  /* ── Trust bar: hidden on mobile (not needed) ── */
  .trust-bar { display: none; }

  /* ── Hero ── */
  .hero-content  { grid-template-columns: 1fr; padding: 3rem 0 2.5rem; gap: 0; }
  .hero-visual   { display: none; }
  .hero-title    { font-size: clamp(1.85rem, 6vw, 2.5rem); }
  .hero-desc     { font-size: 1rem; }
  .hero-actions  { flex-direction: column; gap: .75rem; }
  .hero-actions .btn { width: 100%; justify-content: center; }
  .hero-stats    { gap: 1.25rem; flex-wrap: wrap; margin-top: 2rem; padding-top: 1.5rem; }
  .stat-item .stat-number { font-size: 1.625rem; }

  /* ── About strip ── */
  .about-strip-inner        { grid-template-columns: 1fr; gap: 2rem; }
  .about-image-grid         { grid-template-columns: 1fr 1fr; }
  .about-image-grid img:first-child { grid-column: 1 / -1; }
  .about-values             { grid-template-columns: 1fr 1fr; }

  /* ── Services grid ── */
  .services-grid { grid-template-columns: 1fr; }

  /* ── Accounts ── */
  .accounts-grid { grid-template-columns: 1fr; }

  /* ── ACUBOSS ── */
  .acuboss-inner { grid-template-columns: 1fr; gap: 2.5rem; }
  .package-cards { grid-template-columns: repeat(3, 1fr); gap: .625rem; }
  .package-card  { padding: 1rem .75rem; }
  .package-card .pkg-amount { font-size: .9375rem; }

  /* ── Branches ── */
  .branches-grid { grid-template-columns: 1fr 1fr; }

  /* ── Contact ── */
  .contact-grid { grid-template-columns: 1fr; }
  .form-row     { grid-template-columns: 1fr; }
  .contact-form { padding: 1.75rem; }
  .contact-info-card { padding: 1.75rem; }

  /* ── CTA banner ── */
  .cta-actions { flex-direction: column; align-items: center; }
  .cta-actions .btn { width: 100%; max-width: 320px; justify-content: center; }

  /* ── Footer ── */
  .footer-grid   { grid-template-columns: 1fr 1fr; gap: 2rem; }
  .footer-brand  { grid-column: 1 / -1; }
  .footer-bottom { flex-direction: column; gap: .75rem; text-align: center; }
  .footer-values { flex-wrap: wrap; justify-content: center; gap: .75rem; }

  /* ── Layout utility overrides ── */
  .two-col, .two-col-start, .two-col-lg { grid-template-columns: 1fr; gap: 2rem; }
  .img-stack { grid-template-columns: 1fr 1fr; gap: .75rem; }
  .img-stack img.tall { aspect-ratio: 4/3; }
  .branch-detail { direction: ltr !important; grid-template-columns: 1fr !important; gap: 2rem !important; }
  .quick-contacts { grid-template-columns: 1fr 1fr !important; }
}

/* ── Small phones ── */
@media (max-width: 480px) {
  .section { padding: 3rem 0; }

  /* ── Navbar ── */
  .navbar-inner { height: 64px; }
  .brand-text .brand-sub { display: none; }

  /* ── Hero ── */
  .hero { min-height: auto; }
  .hero-content { padding: 2.5rem 0 2rem; }
  .hero-badge   { font-size: .7rem; }
  .hero-stats   { gap: 1rem; }
  .stat-item .stat-number { font-size: 1.5rem; }

  /* ── About ── */
  .about-image-grid         { grid-template-columns: 1fr; }
  .about-image-grid img:first-child { grid-column: auto; }
  .about-values             { grid-template-columns: 1fr; }

  /* ── Package cards ── */
  .package-cards { grid-template-columns: 1fr; gap: .75rem; }

  /* ── Branches ── */
  .branches-grid { grid-template-columns: 1fr; }
  .branch-gallery { grid-template-columns: 1fr 1fr; }

  /* ── Quick contacts (contact page) ── */
  .quick-contacts { grid-template-columns: 1fr !important; }

  /* ── CTA ── */
  .cta-banner { padding: 3rem 0; }
  .cta-banner h2 { font-size: 1.5rem; }

  /* ── Footer ── */
  .footer-grid  { grid-template-columns: 1fr; gap: 1.75rem; }
  .footer-brand { grid-column: auto; }
  .footer-values { display: none; }

  /* ── Page hero ── */
  .page-hero { padding: 6rem 0 3rem; }
  .page-hero h1 { font-size: 1.75rem; }
  .page-hero p  { font-size: .9375rem; }

  /* ── Section headers ── */
  .section-title { font-size: 1.625rem; }
  .section-subtitle { font-size: .9375rem; }

  /* ── Forms ── */
  .contact-form { padding: 1.25rem; }
  .contact-info-card { padding: 1.25rem; }

  /* ── Financing grid ── */
  .financing-grid { grid-template-columns: 1fr; }
}

/* ── Touch: remove hover transforms that feel awkward on touch ── */
@media (hover: none) {
  .service-card:hover,
  .account-card:hover,
  .branch-card:hover,
  .team-card:hover,
  .financing-item:hover { transform: none; }
}