/* ==========================================================================
   JVLM Multistate Co-operative Credit Society Ltd. - Complete Redesign Stylesheet
   ========================================================================== */

@import url('https://fonts.googleapis.com/css2?family=Outfit:wght@300;400;500;600;700;800&family=Plus+Jakarta+Sans:wght@400;500;600;700;800&display=swap');

:root {
  --primary-dark: #060E1A;
  --primary-navy: #0F2537;
  --primary-blue: #1E3A8A;
  --accent-gold: #F59E0B;
  --accent-gold-gradient: linear-gradient(135deg, #F59E0B 0%, #D97706 100%);
  --accent-gold-light: #FDE68A;
  --accent-gold-hover: #D97706;
  --emerald: #10B981;
  --emerald-gradient: linear-gradient(135deg, #10B981 0%, #047857 100%);
  --bg-light: #F8FAFC;
  --bg-alt: #F1F5F9;
  --card-bg: #FFFFFF;
  --text-primary: #0F172A;
  --text-muted: #64748B;
  --text-light: #F8FAFC;
  --border-color: #E2E8F0;
  --border-gold: rgba(245, 158, 11, 0.35);
  
  --shadow-sm: 0 2px 4px rgba(0,0,0,0.04);
  --shadow-md: 0 10px 20px -5px rgba(6, 14, 26, 0.08), 0 4px 6px -2px rgba(6, 14, 26, 0.04);
  --shadow-lg: 0 20px 35px -10px rgba(6, 14, 26, 0.15), 0 10px 15px -5px rgba(6, 14, 26, 0.08);
  --shadow-gold: 0 12px 25px -5px rgba(245, 158, 11, 0.35);
  
  --radius-sm: 8px;
  --radius-md: 14px;
  --radius-lg: 24px;
  
  --font-main: 'Plus Jakarta Sans', sans-serif;
  --font-heading: 'Outfit', sans-serif;
  --transition: all 0.35s cubic-bezier(0.4, 0, 0.2, 1);
}

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

html {
  scroll-behavior: smooth;
}

body {
  font-family: var(--font-main);
  background-color: var(--bg-light);
  color: var(--text-primary);
  line-height: 1.65;
  overflow-x: hidden;
}

/* Typography */
h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-heading);
  font-weight: 700;
  color: var(--primary-dark);
  line-height: 1.2;
}

a {
  text-decoration: none;
  color: inherit;
  transition: var(--transition);
}

/* Top Notification / Ticker Bar */
.top-bar {
  background: linear-gradient(90deg, #060E1A 0%, #0F2537 100%);
  color: var(--text-light);
  padding: 9px 0;
  font-size: 0.84rem;
  border-bottom: 2px solid rgba(245, 158, 11, 0.4);
  position: relative;
  z-index: 1010;
}

.top-bar-container {
  max-width: 1240px;
  margin: 0 auto;
  padding: 0 24px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 15px;
}

.top-contact-info {
  display: flex;
  gap: 20px;
  align-items: center;
}

.top-contact-info a, .top-contact-info span {
  color: #CBD5E1;
  display: inline-flex;
  align-items: center;
  gap: 6px;
  white-space: nowrap;
  font-weight: 600;
}

.top-contact-info a:hover {
  color: var(--accent-gold);
}

.top-ticker {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  background: rgba(245, 158, 11, 0.15);
  padding: 4px 14px;
  border-radius: 50px;
  border: 1px solid rgba(245, 158, 11, 0.4);
  font-size: 0.82rem;
  white-space: nowrap;
  color: #F8FAFC;
}

.ticker-badge {
  background: linear-gradient(135deg, #F59E0B 0%, #D97706 100%);
  color: #060E1A;
  font-weight: 800;
  font-size: 0.72rem;
  padding: 2px 10px;
  border-radius: 50px;
  text-transform: uppercase;
  letter-spacing: 0.6px;
  flex-shrink: 0;
  box-shadow: 0 2px 8px rgba(245, 158, 11, 0.5);
}

/* Header & Dropdown Navigation */
.header-main {
  background: rgba(255, 255, 255, 0.97);
  backdrop-filter: blur(20px);
  position: sticky;
  top: 0;
  z-index: 1000;
  box-shadow: 0 10px 30px rgba(6, 14, 26, 0.08);
  border-bottom: 1px solid rgba(15, 37, 55, 0.08);
  transition: var(--transition);
}

.nav-container {
  max-width: 1240px;
  margin: 0 auto;
  padding: 14px 24px;
  display: flex;
  justify-content: space-between;
  align-items: center;
}

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

.logo-badge {
  width: 48px;
  height: 48px;
  background: linear-gradient(135deg, #060E1A 0%, #0F2537 100%);
  border: 2px solid var(--accent-gold);
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--accent-gold);
  font-family: var(--font-heading);
  font-weight: 800;
  font-size: 1.4rem;
  box-shadow: 0 4px 15px rgba(245, 158, 11, 0.35);
  transition: var(--transition);
}

.brand-logo:hover .logo-badge {
  transform: rotate(-3deg) scale(1.05);
  box-shadow: 0 6px 20px rgba(245, 158, 11, 0.5);
}

.brand-text h1 {
  font-size: 1.22rem;
  color: #060E1A;
  letter-spacing: -0.3px;
  line-height: 1.1;
  font-weight: 800;
}

.brand-text p {
  font-size: 0.75rem;
  color: #D97706;
  font-weight: 700;
  letter-spacing: 0.2px;
}

/* Nav Links & Dropdowns */
.nav-links {
  display: flex;
  align-items: center;
  gap: 16px;
  list-style: none;
}

.nav-item {
  position: relative;
}

.nav-item > a {
  font-weight: 600;
  font-size: 0.92rem;
  color: #0F172A;
  padding: 8px 12px;
  border-radius: 8px;
  display: flex;
  align-items: center;
  gap: 4px;
  transition: var(--transition);
}

.nav-item > a:hover {
  background: rgba(15, 37, 55, 0.05);
  color: #D97706;
}

.nav-item > a.active {
  background: rgba(245, 158, 11, 0.12);
  color: #D97706;
  font-weight: 700;
}

.dropdown-menu {
  display: none;
  position: absolute;
  top: 100%;
  left: 0;
  min-width: 230px;
  background: #FFFFFF;
  box-shadow: 0 20px 40px rgba(6, 14, 26, 0.14);
  border: 1px solid var(--border-color);
  border-top: 3px solid var(--accent-gold);
  border-radius: var(--radius-md);
  padding: 8px 0;
  list-style: none;
  z-index: 1001;
  animation: fadeIn 0.25s ease-in-out;
}

@keyframes fadeIn {
  from { opacity: 0; transform: translateY(8px); }
  to { opacity: 1; transform: translateY(0); }
}

.dropdown-menu li a {
  display: block;
  padding: 10px 20px;
  font-size: 0.9rem;
  color: #0F172A;
  font-weight: 600;
  transition: var(--transition);
}

.dropdown-menu li a:hover {
  background: #F8FAFC;
  color: #D97706;
  padding-left: 24px;
  border-left: 3px solid var(--accent-gold);
}

.nav-item:hover .dropdown-menu {
  display: block;
}

.nav-cta {
  background: linear-gradient(135deg, #F59E0B 0%, #D97706 100%) !important;
  color: #060E1A !important;
  padding: 9px 24px !important;
  border-radius: 50px !important;
  font-weight: 800 !important;
  box-shadow: 0 6px 18px rgba(245, 158, 11, 0.4);
}

.nav-cta:hover {
  transform: translateY(-2px);
  box-shadow: 0 10px 25px rgba(245, 158, 11, 0.55) !important;
}

.mobile-toggle {
  display: none;
  background: none;
  border: none;
  font-size: 1.7rem;
  color: var(--primary-dark);
  cursor: pointer;
}

/* Breadcrumbs */
.breadcrumbs {
  background: var(--bg-alt);
  padding: 12px 0;
  font-size: 0.88rem;
  border-bottom: 1px solid var(--border-color);
}

.breadcrumbs-container {
  max-width: 1240px;
  margin: 0 auto;
  padding: 0 24px;
  display: flex;
  align-items: center;
  gap: 10px;
  color: var(--text-muted);
}

.breadcrumbs-container a {
  color: var(--primary-blue);
  font-weight: 600;
}

/* Hero Section */
.hero {
  position: relative;
  background: linear-gradient(135deg, rgba(6, 14, 26, 0.95), rgba(15, 37, 55, 0.97)), url('../images/hero.jpg') center/cover no-repeat;
  color: #FFFFFF;
  padding: 85px 24px 105px;
  overflow: hidden;
}

.hero-container {
  max-width: 1240px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  gap: 45px;
  align-items: center;
}

.hero-content h2 {
  color: #FFFFFF !important;
  font-size: 2.8rem;
  margin-bottom: 20px;
  line-height: 1.15;
  font-weight: 800;
}

.hero-content h2 span {
  color: #F59E0B !important;
  background: linear-gradient(135deg, #F59E0B 0%, #FDE68A 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
}

.hero-content p {
  font-size: 1.1rem;
  color: #E2E8F0 !important;
  margin-bottom: 30px;
  max-width: 560px;
  line-height: 1.6;
}

.hero-actions {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
}

/* Stats Ribbon Component */
.stats-ribbon {
  background: #FFFFFF !important;
  border-radius: var(--radius-md);
  box-shadow: 0 10px 30px rgba(6, 14, 26, 0.08);
  border: 1px solid var(--border-color);
  max-width: 1240px;
  margin: -35px auto 50px;
  padding: 24px 20px;
  position: relative;
  z-index: 100;
  width: calc(100% - 48px);
}

.stats-grid {
  display: flex !important;
  justify-content: space-around !important;
  align-items: center !important;
  flex-wrap: wrap !important;
  gap: 20px !important;
  width: 100% !important;
}

.stat-item {
  flex: 1 1 200px !important;
  text-align: center !important;
  padding: 10px 15px !important;
  border-right: 1px solid #E2E8F0;
  box-sizing: border-box !important;
}

.stat-item:last-child {
  border-right: none !important;
}

.stat-item h3 {
  font-size: 2rem !important;
  color: #D97706 !important;
  margin-bottom: 4px !important;
  font-family: var(--font-heading) !important;
  font-weight: 800 !important;
  line-height: 1.1 !important;
  text-align: center !important;
}

.stat-item p {
  color: #334155 !important;
  font-size: 0.88rem !important;
  font-weight: 700 !important;
  line-height: 1.3 !important;
  text-align: center !important;
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  padding: 13px 28px;
  font-weight: 700;
  font-size: 0.95rem;
  border-radius: 10px;
  cursor: pointer;
  border: none;
  transition: var(--transition);
}

.btn-primary {
  background: var(--accent-gold-gradient);
  color: var(--primary-dark);
  box-shadow: var(--shadow-gold);
}

.btn-primary:hover {
  transform: translateY(-3px);
  box-shadow: 0 12px 25px rgba(245, 158, 11, 0.45);
}

.btn-outline {
  background: rgba(255, 255, 255, 0.08);
  color: #FFFFFF;
  border: 1px solid rgba(255, 255, 255, 0.3);
  backdrop-filter: blur(8px);
}

.btn-outline:hover {
  background: rgba(255, 255, 255, 0.18);
  border-color: #FFFFFF;
}

/* Sections & Typography */
.section {
  padding: 85px 24px;
}

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

.section-title-wrap {
  text-align: center;
  max-width: 780px;
  margin: 0 auto 50px;
}

.subtitle {
  color: var(--accent-gold-hover);
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 1.8px;
  font-size: 0.82rem;
  margin-bottom: 8px;
  display: inline-block;
}

.section-title {
  font-size: 2.3rem;
  color: var(--primary-dark);
  letter-spacing: -0.4px;
}

.section-desc {
  color: var(--text-muted);
  font-size: 1.02rem;
  margin-top: 10px;
}

/* Cards & Layouts */
.cards-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(310px, 1fr));
  gap: 32px;
  max-width: 1240px;
  margin: 0 auto;
}

.cards-grid-4 {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  max-width: 1240px;
  margin: 0 auto;
}

.card {
  background: var(--card-bg);
  border-radius: var(--radius-md);
  padding: 34px;
  border: 1px solid var(--border-color);
  box-shadow: var(--shadow-sm);
  transition: var(--transition);
  display: flex;
  flex-direction: column;
  position: relative;
}

.card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-lg);
  border-color: var(--border-gold);
}

.card-icon {
  width: 56px;
  height: 56px;
  background: rgba(15, 37, 55, 0.06);
  color: var(--primary-blue);
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.6rem;
  margin-bottom: 22px;
  border: 1px solid rgba(15, 37, 55, 0.1);
}

.card-icon.gold {
  background: rgba(245, 158, 11, 0.12);
  color: var(--accent-gold-hover);
  border-color: rgba(245, 158, 11, 0.3);
}

.card h3 {
  font-size: 1.35rem;
  margin-bottom: 12px;
}

.card p {
  color: var(--text-muted);
  font-size: 0.95rem;
  margin-bottom: 20px;
  flex-grow: 1;
}

.benefit-list {
  list-style: none;
  margin-bottom: 24px;
}

.benefit-list li {
  position: relative;
  padding-left: 24px;
  margin-bottom: 10px;
  font-size: 0.9rem;
  color: var(--text-primary);
}

.benefit-list li::before {
  content: '✓';
  position: absolute;
  left: 0;
  top: 0;
  color: var(--emerald);
  font-weight: bold;
}

/* Disclaimers & Badges */
.disclaimer-box {
  background: #FFFBEB;
  border: 1px solid #FCD34D;
  border-radius: var(--radius-sm);
  padding: 16px 20px;
  font-size: 0.86rem;
  color: #92400E;
  margin-top: 25px;
}

.badge-gold {
  background: var(--accent-gold-gradient);
  color: var(--primary-dark);
  font-weight: 800;
  font-size: 0.75rem;
  padding: 4px 12px;
  border-radius: 50px;
  letter-spacing: 0.4px;
}

/* Calculator Box */
.calculator-box {
  background: var(--card-bg);
  border-radius: var(--radius-lg);
  padding: 36px;
  box-shadow: var(--shadow-lg);
  border: 1px solid var(--border-color);
}

.form-group {
  margin-bottom: 20px;
}

.form-group label {
  display: block;
  font-weight: 700;
  margin-bottom: 7px;
  font-size: 0.9rem;
  color: var(--primary-dark);
}

.form-control {
  width: 100%;
  padding: 12px 16px;
  border: 1.5px solid var(--border-color);
  border-radius: 10px;
  font-family: var(--font-main);
  font-size: 0.95rem;
  transition: var(--transition);
  background-color: #FAFAFA;
}

.form-control:focus {
  outline: none;
  border-color: var(--primary-blue);
  background-color: #FFFFFF;
  box-shadow: 0 0 0 4px rgba(30, 58, 138, 0.1);
}

/* FAQ Accordion */
.faq-accordion {
  max-width: 920px;
  margin: 0 auto;
}

.faq-item {
  background: var(--card-bg);
  border: 1px solid var(--border-color);
  border-radius: var(--radius-md);
  margin-bottom: 16px;
  overflow: hidden;
  transition: var(--transition);
}

.faq-question {
  padding: 20px 26px;
  font-weight: 700;
  font-size: 1.02rem;
  color: var(--primary-dark);
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
}

.faq-answer {
  display: none;
  padding: 0 26px 20px;
  color: var(--text-muted);
  font-size: 0.95rem;
  line-height: 1.65;
}

.faq-item.active .faq-answer {
  display: block;
}

/* Contact Container */
.contact-container {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 40px;
  max-width: 1240px;
  margin: 0 auto;
}

.contact-info-card {
  background: var(--primary-dark);
  color: #FFFFFF;
  padding: 40px;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
}

.contact-info-card h3 {
  color: var(--accent-gold);
  font-size: 1.8rem;
  margin-bottom: 20px;
}

.contact-item {
  display: flex;
  gap: 16px;
  margin-bottom: 24px;
}

.contact-item-icon {
  width: 44px;
  height: 44px;
  background: rgba(245, 158, 11, 0.15);
  color: var(--accent-gold);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.2rem;
  flex-shrink: 0;
  border: 1px solid rgba(245, 158, 11, 0.3);
}

.map-wrapper {
  border-radius: var(--radius-md);
  overflow: hidden;
  box-shadow: var(--shadow-md);
  margin-top: 24px;
  height: 230px;
  border: 1px solid var(--border-color);
}

.map-wrapper iframe {
  width: 100%;
  height: 100%;
  border: none;
}

/* Footer */
.footer {
  background: var(--primary-dark);
  color: #CBD5E1;
  padding: 70px 24px 28px;
  border-top: 4px solid var(--accent-gold);
}

.footer-container {
  max-width: 1240px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1.5fr;
  gap: 40px;
  margin-bottom: 50px;
}

.footer-col h4 {
  color: #FFFFFF;
  font-size: 1.2rem;
  margin-bottom: 20px;
  position: relative;
  padding-bottom: 10px;
}

.footer-col h4::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  width: 36px;
  height: 3px;
  background: var(--accent-gold-gradient);
  border-radius: 2px;
}

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

.footer-links li {
  margin-bottom: 10px;
}

.footer-links a {
  color: #94A3B8;
  font-size: 0.9rem;
}

.footer-links a:hover {
  color: var(--accent-gold);
  padding-left: 5px;
}

.footer-bottom {
  max-width: 1240px;
  margin: 0 auto;
  padding-top: 24px;
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  font-size: 0.85rem;
  color: #94A3B8;
  gap: 12px;
}

/* Scroll To Top Button */
.scroll-top-btn {
  position: fixed;
  bottom: 28px;
  right: 28px;
  width: 48px;
  height: 48px;
  background: var(--accent-gold-gradient);
  color: var(--primary-dark);
  border: none;
  border-radius: 50%;
  display: none;
  align-items: center;
  justify-content: center;
  font-size: 1.3rem;
  cursor: pointer;
  box-shadow: var(--shadow-gold);
  z-index: 999;
  font-weight: bold;
}

/* Modal Popup */
.modal {
  display: none;
  position: fixed;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  background: rgba(6, 14, 26, 0.82);
  backdrop-filter: blur(6px);
  z-index: 2000;
  align-items: center;
  justify-content: center;
}

.modal-content {
  background: var(--card-bg);
  padding: 40px;
  border-radius: var(--radius-lg);
  max-width: 500px;
  width: 90%;
  text-align: center;
  position: relative;
  box-shadow: var(--shadow-lg);
}

.modal-icon {
  width: 68px;
  height: 68px;
  background: rgba(16, 185, 129, 0.15);
  color: var(--emerald);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 2.2rem;
  margin: 0 auto 18px;
}

.close-modal {
  position: absolute;
  right: 20px;
  top: 20px;
  font-size: 1.5rem;
  cursor: pointer;
  color: var(--text-muted);
}

/* Responsive Media Queries */
@media (max-width: 1024px) {
  .top-bar-container {
    flex-direction: column;
    justify-content: center;
    text-align: center;
    gap: 6px;
    padding: 6px 15px;
  }
  .top-contact-info {
    justify-content: center;
    gap: 6px 16px;
  }
  .top-ticker {
    white-space: normal;
    text-align: center;
    justify-content: center;
    border-radius: 8px;
    padding: 5px 12px;
    width: 100%;
  }
  .hero-container, .contact-container {
    grid-template-columns: 1fr;
  }
  .footer-container {
    grid-template-columns: 1fr 1fr;
  }
  .mobile-toggle {
    display: block;
    font-size: 1.8rem;
    padding: 4px 12px;
    border-radius: 8px;
    background: var(--bg-alt);
    border: 1px solid var(--border-color);
  }
  .nav-links {
    display: none;
    position: absolute;
    top: 100%;
    left: 0;
    width: 100%;
    background: #FFFFFF;
    flex-direction: column;
    padding: 20px 24px;
    box-shadow: var(--shadow-lg);
    align-items: flex-start;
    border-bottom: 2px solid var(--accent-gold);
    z-index: 1005;
  }
  .nav-links.show {
    display: flex;
  }
  .nav-item {
    width: 100%;
    border-bottom: 1px solid var(--border-color);
  }
  .nav-item:last-child {
    border-bottom: none;
    padding-top: 10px;
  }
  .nav-item > a {
    padding: 12px 0;
    width: 100%;
    font-size: 1rem;
  }
  .dropdown-menu {
    position: static;
    display: none;
    box-shadow: none;
    border: none;
    padding-left: 18px;
    background: var(--bg-light);
    border-radius: 8px;
    margin-bottom: 10px;
  }
  .nav-item.open .dropdown-menu {
    display: block;
  }
  .hero-content h2 {
    font-size: 2.2rem;
  }
  .stat-item {
    border-right: none !important;
    border-bottom: 1px solid #E2E8F0 !important;
    padding-bottom: 15px !important;
  }
  .stat-item:last-child {
    border-bottom: none !important;
  }
}

@media (max-width: 768px) {
  .footer-container {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 1100px) {
  .cards-grid-4 {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 640px) {
  .cards-grid-4 {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 576px) {
  .top-contact-info span.top-address {
    display: none;
  }
}