/* ============================================================
   AFFSoft — Financial Products Website
   CSS Stylesheet — Version 1.0
   ============================================================ */

/* ---- Reset & Base ---- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --primary:      #0a2d6e;
  --primary-dark: #061b45;
  --accent:       #c9a227;
  --accent-light: #f0d060;
  --bg:           #f4f6fb;
  --bg-dark:      #0d1b35;
  --text:         #1a1a2e;
  --text-light:   #4a5568;
  --white:        #ffffff;
  --border:       #dde3ef;
  --success:      #1a7f4b;
  --radius:       8px;
  --shadow:       0 4px 24px rgba(10,45,110,.10);
  --shadow-lg:    0 8px 40px rgba(10,45,110,.18);
  --transition:   .28s ease;
  --font-main:    'Segoe UI', Arial, sans-serif;
  --font-heading: Georgia, 'Times New Roman', serif;
}

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

body {
  font-family: var(--font-main);
  color: var(--text);
  background: var(--bg);
  line-height: 1.7;
  min-height: 100vh;
  display: flex;
  flex-direction: column;
}

img { max-width: 100%; height: auto; display: block; }
a  { color: var(--primary); text-decoration: none; transition: color var(--transition); }
a:hover { color: var(--accent); }
ul { list-style: none; }

/* ---- Typography ---- */
h1, h2, h3, h4 { font-family: var(--font-heading); line-height: 1.25; color: var(--primary-dark); }
h1 { font-size: clamp(2rem, 5vw, 3.2rem); }
h2 { font-size: clamp(1.5rem, 3.5vw, 2.4rem); }
h3 { font-size: clamp(1.2rem, 2.5vw, 1.7rem); }
h4 { font-size: 1.1rem; }
p  { margin-bottom: 1rem; }
.lead { font-size: 1.18rem; color: var(--text-light); }

/* ---- Layout ---- */
.container   { max-width: 1140px; margin: 0 auto; padding: 0 1.5rem; }
.container-lg{ max-width: 1320px; margin: 0 auto; padding: 0 1.5rem; }
.section     { padding: 5rem 0; }
.section-sm  { padding: 3rem 0; }
.section-alt { background: var(--white); }
main         { flex: 1 0 auto; }

/* ---- Header / Navbar ---- */
.header {
  position: sticky; top: 0; z-index: 1000;
  background: var(--primary-dark);
  box-shadow: 0 2px 16px rgba(0,0,0,.25);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 70px;
}

.logo {
  display: flex; align-items: center; gap: .7rem;
  font-family: var(--font-heading);
  font-size: 1.5rem; font-weight: 700;
  color: var(--white);
  letter-spacing: .5px;
}
.logo img { width: 44px; height: 44px; border-radius: 6px; }
.logo span { color: var(--accent); }

.nav { display: flex; align-items: center; gap: .2rem; }
.nav a {
  color: rgba(255,255,255,.85);
  font-size: .93rem; font-weight: 500;
  padding: .45rem .9rem;
  border-radius: var(--radius);
  transition: background var(--transition), color var(--transition);
}
.nav a:hover, .nav a.active {
  background: rgba(255,255,255,.12);
  color: var(--accent-light);
}

.nav-cta {
  margin-left: .8rem;
  background: var(--accent) !important;
  color: var(--primary-dark) !important;
  font-weight: 700 !important;
  padding: .45rem 1.1rem !important;
}
.nav-cta:hover { background: var(--accent-light) !important; }

/* Hamburger */
.hamburger {
  display: none; flex-direction: column;
  cursor: pointer; gap: 5px; background: none; border: none; padding: .3rem;
}
.hamburger span {
  display: block; width: 26px; height: 2px;
  background: var(--white); border-radius: 2px;
  transition: transform var(--transition), opacity 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; overflow: hidden;
  background: linear-gradient(135deg, var(--primary-dark) 0%, #142e6e 60%, #1a4080 100%);
  color: var(--white); padding: 7rem 0 5rem;
  text-align: center;
}
.hero::before {
  content: ''; position: absolute; inset: 0;
  background: url('../images/hero-bg.jpg') center/cover no-repeat;
  opacity: .18;
}
.hero-content { position: relative; z-index: 1; max-width: 820px; margin: 0 auto; }
.hero h1     { color: var(--white); margin-bottom: 1.2rem; }
.hero .lead  { color: rgba(255,255,255,.82); margin-bottom: 2rem; font-size: 1.22rem; }
.hero-badge  {
  display: inline-block; background: var(--accent);
  color: var(--primary-dark); font-size: .8rem; font-weight: 700;
  padding: .22rem .8rem; border-radius: 20px; text-transform: uppercase;
  letter-spacing: .6px; margin-bottom: 1rem;
}
.hero-img {
  margin-top: 3.5rem;
  border-radius: 12px; overflow: hidden;
  box-shadow: var(--shadow-lg);
  max-height: 420px; object-fit: cover;
}

/* ---- Buttons ---- */
.btn {
  display: inline-flex; align-items: center; gap: .5rem;
  padding: .75rem 1.8rem;
  border-radius: var(--radius); font-weight: 600; font-size: 1rem;
  cursor: pointer; border: 2px solid transparent;
  transition: all var(--transition);
}
.btn-primary { background: var(--accent); color: var(--primary-dark); }
.btn-primary:hover { background: var(--accent-light); color: var(--primary-dark); }
.btn-outline { border-color: var(--white); color: var(--white); background: transparent; }
.btn-outline:hover { background: var(--white); color: var(--primary-dark); }
.btn-blue  { background: var(--primary); color: var(--white); }
.btn-blue:hover { background: var(--primary-dark); color: var(--white); }
.btn-lg { padding: .95rem 2.4rem; font-size: 1.1rem; }
.btns-row { display: flex; gap: 1rem; flex-wrap: wrap; justify-content: center; }

/* ---- Cards ---- */
.card {
  background: var(--white); border-radius: 12px;
  box-shadow: var(--shadow); overflow: hidden;
  transition: transform var(--transition), box-shadow var(--transition);
}
.card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.card-img { width: 100%; height: 200px; object-fit: cover; }
.card-body { padding: 1.5rem; }
.card-body h3 { margin-bottom: .6rem; }
.card-body p  { color: var(--text-light); margin-bottom: 1.1rem; }
.card-tag {
  display: inline-block; background: var(--bg);
  color: var(--primary); font-size: .78rem; font-weight: 600;
  padding: .2rem .7rem; border-radius: 20px;
  margin-bottom: .8rem; text-transform: uppercase; letter-spacing: .5px;
}

/* ---- Grid ---- */
.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 2rem; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 2rem; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1.5rem; }

/* ---- Section Head ---- */
.section-head { text-align: center; margin-bottom: 3rem; }
.section-head h2 { margin-bottom: .8rem; }
.section-head p  { color: var(--text-light); max-width: 680px; margin: 0 auto; }
.section-line {
  width: 60px; height: 4px;
  background: var(--accent); border-radius: 2px;
  margin: .8rem auto 0;
}

/* ---- Stats ---- */
.stats-bar {
  background: var(--primary);
  color: var(--white); padding: 2.5rem 0;
}
.stats-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1.5rem; text-align: center; }
.stat-num  { font-size: 2.4rem; font-weight: 700; color: var(--accent); font-family: var(--font-heading); }
.stat-label{ font-size: .88rem; opacity: .82; margin-top: .2rem; }

/* ---- Features List ---- */
.feature-item { display: flex; gap: 1.1rem; margin-bottom: 1.8rem; }
.feature-icon {
  flex-shrink: 0; width: 52px; height: 52px;
  background: linear-gradient(135deg, var(--primary), #2255aa);
  border-radius: 12px; display: flex; align-items: center; justify-content: center;
  font-size: 1.4rem; color: var(--white);
}
.feature-text h4 { margin-bottom: .3rem; }
.feature-text p  { color: var(--text-light); margin: 0; font-size: .95rem; }

/* ---- Testimonials ---- */
.testimonial-card {
  background: var(--white); border-radius: 12px;
  box-shadow: var(--shadow); padding: 2rem;
  position: relative;
}
.testimonial-card::before {
  content: '"'; position: absolute; top: .8rem; left: 1.2rem;
  font-size: 5rem; color: var(--accent); opacity: .25;
  font-family: Georgia, serif; line-height: 1;
}
.testimonial-body  { color: var(--text-light); font-style: italic; margin-bottom: 1.2rem; }
.testimonial-author{ font-weight: 700; color: var(--primary-dark); }
.testimonial-stars { color: var(--accent); font-size: 1.1rem; margin-bottom: .5rem; }

/* ---- CTA Banner ---- */
.cta-banner {
  background: linear-gradient(135deg, var(--accent) 0%, #e6b820 100%);
  padding: 4rem 0; text-align: center;
}
.cta-banner h2 { color: var(--primary-dark); margin-bottom: 1rem; }
.cta-banner p  { color: var(--primary-dark); opacity: .82; margin-bottom: 1.8rem; max-width: 600px; margin-left: auto; margin-right: auto; }

/* ---- Page Banner ---- */
.page-banner {
  background: linear-gradient(135deg, var(--primary-dark), #1a3a7a);
  color: var(--white); padding: 4rem 0 3rem; text-align: center;
}
.page-banner h1 { color: var(--white); margin-bottom: .7rem; }
.page-banner p  { color: rgba(255,255,255,.78); max-width: 620px; margin: 0 auto; }
.breadcrumb { display: flex; justify-content: center; gap: .5rem; font-size: .88rem; margin-top: 1rem; color: rgba(255,255,255,.6); }
.breadcrumb a { color: var(--accent-light); }
.breadcrumb span { color: rgba(255,255,255,.5); }

/* ---- Table ---- */
.compare-table { width: 100%; border-collapse: collapse; background: var(--white); border-radius: 12px; overflow: hidden; box-shadow: var(--shadow); }
.compare-table th {
  background: var(--primary); color: var(--white);
  padding: 1rem 1.2rem; text-align: left; font-size: .92rem;
}
.compare-table td {
  padding: .9rem 1.2rem; border-bottom: 1px solid var(--border);
  font-size: .95rem;
}
.compare-table tr:last-child td { border-bottom: none; }
.compare-table tr:nth-child(even) td { background: var(--bg); }
.check { color: var(--success); font-size: 1.1rem; }
.cross { color: #c0392b; font-size: 1.1rem; }

/* ---- Contact Form ---- */
.contact-grid { display: grid; grid-template-columns: 1fr 1.5fr; gap: 3rem; align-items: start; }
.contact-info-block h3 { margin-bottom: 1rem; }
.contact-detail { display: flex; gap: .8rem; margin-bottom: 1.2rem; }
.contact-detail-icon {
  flex-shrink: 0; width: 42px; height: 42px;
  background: var(--bg); border-radius: 10px;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.1rem;
}
.contact-form-card { background: var(--white); padding: 2.5rem; border-radius: 12px; box-shadow: var(--shadow); }
.form-group { margin-bottom: 1.3rem; }
.form-label { display: block; font-size: .9rem; font-weight: 600; margin-bottom: .4rem; color: var(--text); }
.form-control {
  width: 100%; padding: .72rem 1rem;
  border: 1.5px solid var(--border); border-radius: var(--radius);
  font-size: .97rem; font-family: var(--font-main);
  background: var(--bg); color: var(--text);
  transition: border-color var(--transition), box-shadow var(--transition);
}
.form-control:focus {
  outline: none; border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(10,45,110,.12);
  background: var(--white);
}
textarea.form-control { resize: vertical; min-height: 130px; }
select.form-control { cursor: pointer; }
.form-check { display: flex; gap: .7rem; align-items: flex-start; margin-bottom: 1.2rem; }
.form-check input { flex-shrink: 0; margin-top: .2rem; width: 17px; height: 17px; accent-color: var(--primary); }
.form-check label { font-size: .88rem; color: var(--text-light); }
.form-success {
  display: none; text-align: center; padding: 2rem;
  color: var(--success); font-weight: 600;
}
.disclaimer-box {
  background: #fff8e5; border: 1px solid var(--accent);
  border-radius: var(--radius); padding: 1rem 1.2rem;
  font-size: .84rem; color: #6b4d00; margin-top: 1.2rem;
}

/* ---- Risk Disclaimer ---- */
.risk-bar {
  background: #fff3cd; border-top: 3px solid var(--accent);
  padding: .9rem 0; font-size: .82rem; color: #5a3e00;
}
.risk-bar p { margin: 0; text-align: center; }

/* ---- Accordion ---- */
.accordion-item { border: 1px solid var(--border); border-radius: var(--radius); margin-bottom: .8rem; overflow: hidden; }
.accordion-btn {
  width: 100%; padding: 1rem 1.3rem;
  background: var(--white); border: none; text-align: left;
  font-size: 1rem; font-weight: 600; color: var(--primary-dark);
  cursor: pointer; display: flex; justify-content: space-between; align-items: center;
  transition: background var(--transition);
}
.accordion-btn:hover { background: var(--bg); }
.accordion-btn span { font-size: 1.2rem; color: var(--accent); }
.accordion-body { display: none; padding: 1rem 1.3rem 1.3rem; color: var(--text-light); font-size: .95rem; }
.accordion-body.open { display: block; }

/* ---- Policy Page ---- */
.policy-content { max-width: 820px; margin: 0 auto; }
.policy-content h2 { margin-top: 2.5rem; margin-bottom: .8rem; font-size: 1.4rem; }
.policy-content h3 { margin-top: 1.8rem; margin-bottom: .6rem; font-size: 1.1rem; }
.policy-content ul { list-style: disc; padding-left: 1.5rem; margin-bottom: 1rem; color: var(--text-light); }
.policy-content ul li { margin-bottom: .4rem; }
.policy-updated { color: var(--text-light); font-size: .88rem; margin-bottom: 2rem; }

/* ---- Product Detail ---- */
.product-hero { background: linear-gradient(135deg, var(--primary-dark), #122d6a); color: var(--white); padding: 5rem 0; }
.product-hero-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 3rem; align-items: center; }
.product-hero h1, .product-hero h2 { color: var(--white); }
.product-hero p { color: rgba(255,255,255,.8); }
.product-hero-img { border-radius: 12px; overflow: hidden; box-shadow: var(--shadow-lg); }
.product-hero-img img { width: 100%; height: 360px; object-fit: cover; }

/* ---- Footer ---- */
.footer { background: var(--bg-dark); color: rgba(255,255,255,.78); padding-top: 4rem; }
.footer-grid { display: grid; grid-template-columns: 1.8fr 1fr 1fr 1.2fr; gap: 2.5rem; padding-bottom: 3rem; }
.footer-brand .logo { margin-bottom: 1rem; font-size: 1.3rem; }
.footer-brand p { font-size: .9rem; color: rgba(255,255,255,.55); line-height: 1.8; }
.footer h4 { color: var(--white); font-size: .95rem; font-family: var(--font-main); font-weight: 700; text-transform: uppercase; letter-spacing: .8px; margin-bottom: 1rem; }
.footer ul li { margin-bottom: .5rem; }
.footer ul li a { color: rgba(255,255,255,.6); font-size: .9rem; transition: color var(--transition); }
.footer ul li a:hover { color: var(--accent-light); }
.footer-contact li { display: flex; gap: .6rem; font-size: .9rem; color: rgba(255,255,255,.6); margin-bottom: .6rem; }
.footer-contact li strong { color: rgba(255,255,255,.85); min-width: 20px; }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.08);
  padding: 1.4rem 0; display: flex;
  justify-content: space-between; align-items: center;
  flex-wrap: wrap; gap: .8rem;
  font-size: .83rem; color: rgba(255,255,255,.4);
}
.footer-bottom a { color: rgba(255,255,255,.5); }
.footer-bottom a:hover { color: var(--accent-light); }

/* ---- Utility ---- */
.text-center { text-align: center; }
.text-muted   { color: var(--text-light); }
.mt-1 { margin-top: .5rem; }
.mt-2 { margin-top: 1rem; }
.mt-3 { margin-top: 1.5rem; }
.mt-4 { margin-top: 2rem; }
.mb-1 { margin-bottom: .5rem; }
.mb-2 { margin-bottom: 1rem; }
.mb-3 { margin-bottom: 1.5rem; }
.mb-4 { margin-bottom: 2rem; }
.img-rounded { border-radius: 12px; overflow: hidden; }
.img-shadow  { box-shadow: var(--shadow-lg); }

/* ---- Responsive ---- */
@media (max-width: 1024px) {
  .grid-4      { grid-template-columns: repeat(2, 1fr); }
  .stats-grid  { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .product-hero-grid { grid-template-columns: 1fr; }
}

@media (max-width: 768px) {
  .nav { display: none; flex-direction: column; position: absolute; top: 70px; left: 0; right: 0; background: var(--primary-dark); padding: 1rem 1.5rem 1.5rem; gap: .3rem; }
  .nav.open { display: flex; }
  .hamburger { display: flex; }
  .header { position: relative; }
  .grid-2 { grid-template-columns: 1fr; }
  .grid-3 { grid-template-columns: 1fr; }
  .contact-grid { grid-template-columns: 1fr; }
  .footer-grid  { grid-template-columns: 1fr; }
  .footer-bottom { justify-content: center; text-align: center; }
  .section { padding: 3.5rem 0; }
  .hero { padding: 5rem 0 3.5rem; }
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 480px) {
  .stats-grid { grid-template-columns: 1fr; }
  .btns-row { flex-direction: column; align-items: center; }
}