/* ============================================
   MAGTIBAY HUB - Main Stylesheet
   style.css
   ============================================ */

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

/* ---- CSS Variables ---- */
:root {
  color-scheme: light;
  --green:       #16a34a;
  --green-light: #22c55e;
  --blue:        #2563eb;
  --blue-light:  #3b82f6;
  --grad:        linear-gradient(135deg, #16a34a, #2563eb);
  --grad-h:      linear-gradient(135deg, #15803d, #1d4ed8);

  --bg:          #f7f9fc;
  --bg2:         #ffffff;
  --bg3:         #eef2f8;
  --nav-bg:      #ffffff;
  --card-bg:     #ffffff;
  --card-bg2:    #f1f5f9;

  --text:        #0f172a;
  --text2:       #475569;
  --text3:       #94a3b8;
  --border:      #e2e8f0;
  --shadow:      0 4px 24px rgba(0,0,0,0.07);
  --shadow-sm:   0 1px 4px rgba(0,0,0,0.06);

  --radius:      12px;
  --radius-sm:   8px;
  --radius-lg:   20px;
  --transition:  background-color 0.24s ease, border-color 0.24s ease, color 0.24s ease,
                 box-shadow 0.24s ease, transform 0.24s ease, opacity 0.24s ease;
}

/* ---- Dark Mode Colors ---- */
.dark-mode {
  color-scheme: dark;
  --bg:          #090e1a;
  --bg2:         #0d1526;
  --bg3:         #111e33;
  --nav-bg:      #0a1020;
  --card-bg:     #0f1a2e;
  --card-bg2:    #14243d;

  --text:        #f0f6ff;
  --text2:       #c8d4e4;
  --text3:       #8da4c0;
  --border:      #1a2d4a;
  --shadow:      0 4px 24px rgba(0,0,0,0.35);
  --shadow-sm:   0 1px 4px rgba(0,0,0,0.2);
}

/* Smooth theme transition logic */
.theme-transitioning body,
.theme-transitioning .navbar,
.theme-transitioning .page-loader,
.theme-transitioning .mobile-overlay,
.theme-transitioning .theme-btn,
.theme-transitioning .btn-outline,
.theme-transitioning .section-label,
.theme-transitioning .hub-service-item,
.theme-transitioning .hub-service-tag,
.theme-transitioning .service-card,
.theme-transitioning .product-card,
.theme-transitioning .calc-card,
.theme-transitioning .step-card,
.theme-transitioning .feature-card,
.theme-transitioning .testi-card,
.theme-transitioning .services-search-input,
.theme-transitioning .services-category-select,
.theme-transitioning .footer {
  transition: background-color 0.15s ease,
              border-color 0.15s ease,
              color 0.15s ease !important;
}

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

html {
  scroll-behavior: smooth;
  overflow-x: hidden;
  overflow-y: scroll;
  scrollbar-gutter: stable;
  background-color: var(--bg);
}

::-webkit-scrollbar { width: 6px; }
::-webkit-scrollbar-track { background: var(--bg); }
::-webkit-scrollbar-thumb { background: var(--border); border-radius: 3px; }

body {
  font-family: 'Plus Jakarta Sans', sans-serif;
  background: var(--bg);
  color: var(--text);
  overflow-x: hidden;
  min-width: 0;
  padding-top: 64px;
}

/* Prevent scroll when mobile overlay is open */
body.overlay-open {
  overflow: hidden;
}

img {
  max-width: 100%;
  height: auto;
  display: block;
}

a { text-decoration: none; color: inherit; }

/* ---- Utility ---- */
.grad-text {
  background: var(--grad);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.btn-primary {
  background: var(--grad);
  color: #fff;
  border: none;
  border-radius: var(--radius-sm);
  padding: 10px 22px;
  font-family: inherit;
  font-size: 0.9rem;
  font-weight: 700;
  cursor: pointer;
  transition: var(--transition);
  display: inline-flex;
  align-items: center;
  gap: 6px;
  white-space: nowrap;
}
.btn-primary:hover {
  background: var(--grad-h);
  transform: translateY(-1px);
  box-shadow: 0 4px 14px rgba(22,163,74,0.35);
  color: #fff;
}

.btn-outline {
  background: transparent;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-sm);
  padding: 10px 22px;
  font-family: inherit;
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--text2);
  cursor: pointer;
  transition: var(--transition);
  display: inline-flex;
  align-items: center;
  gap: 6px;
  white-space: nowrap;
}
.btn-outline:hover {
  border-color: var(--green);
  color: var(--green);
}

.section-label {
  display: inline-block;
  background: linear-gradient(135deg,#dcfce7,#dbeafe);
  color: var(--green);
  font-size: 0.75rem;
  font-weight: 700;
  padding: 4px 14px;
  border-radius: 50px;
  margin-bottom: 0.75rem;
  letter-spacing: 0.04em;
  text-transform: uppercase;
}

.section-title {
  font-size: clamp(1.4rem, 3vw, 1.9rem);
  font-weight: 800;
  line-height: 1.25;
  margin-bottom: 0.5rem;
}

.section-sub {
  color: var(--text2);
  font-size: 0.95rem;
  margin-bottom: 1rem;
}

/* ---- PAGE LOADER ---- */
.page-loader {
  position: fixed;
  inset: 0;
  background: var(--bg);
  z-index: 9999;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: opacity 0.5s ease, visibility 0.5s ease;
}
.page-loader.hidden {
  opacity: 0;
  visibility: hidden;
  pointer-events: none;
}
.loader-content { text-align: center; }
.loader-logo {
  width: 80px;
  height: 80px;
  margin: 0 auto 18px;
  animation: pulse 1.5s infinite ease-in-out;
}
.loader-line {
  width: 150px;
  height: 4px;
  margin: 0 auto;
  background: var(--bg3);
  border-radius: 999px;
  overflow: hidden;
  position: relative;
}
.loader-line span {
  display: block;
  width: 45%;
  height: 100%;
  border-radius: inherit;
  background: var(--grad);
  animation: loadingLine 1.1s ease-in-out infinite;
}

@keyframes pulse {
  0%, 100% { transform: scale(1); opacity: 1; }
  50% { transform: scale(0.9); opacity: 0.8; }
}
@keyframes loadingLine {
  0% { transform: translateX(-110%); }
  50% { transform: translateX(70%); }
  100% { transform: translateX(230%); }
}

/* ---- NAVBAR ---- */
.navbar {
  position: fixed !important;
  top: 0;
  left: 0;
  right: 0;
  width: 100%;
  z-index: 1000;
  background: var(--nav-bg) !important;
  border-bottom: 1px solid var(--border);
  border-radius: 0 !important;
  padding: 0 !important;
  display: block !important;
  transition: var(--transition);
}
.navbar.scrolled {
  box-shadow: 0 12px 30px rgba(0,0,0,0.08);
}
.navbar-inner {
  max-width: 1140px;
  margin: 0 auto;
  padding: 0 1.25rem;
  height: 64px;
  display: flex !important;
  flex-wrap: nowrap !important;
  align-items: center !important;
  gap: 1rem;
}
.navbar-inner .navbar-brand {
  flex: 1 1 0;
  min-width: 0;
  padding: 0 !important;
  margin-right: 0 !important;
}
.navbar-inner nav {
  flex: 0 0 auto;
  display: flex !important;
  align-items: center;
}
.navbar-inner .navbar-right {
  flex: 1 1 0;
  min-width: 0;
  display: flex !important;
  align-items: center;
  justify-content: flex-end;
  gap: 10px;
}
.navbar-brand {
  display: flex;
  align-items: center;
  gap: 10px;
  flex-shrink: 0;
}
.navbar-logo {
  width: 48px;
  height: 48px;
  border-radius: 12px;
  object-fit: contain;
  object-position: center;
}

.logo-dark {
  display: none !important;
}

.dark-mode .logo-light {
  display: none !important;
}

.dark-mode .logo-dark {
  display: block !important;
}
.navbar-sitename {
  font-size: 1.05rem;
  font-weight: 800;
}
.navbar-nav {
  display: flex !important;
  flex-direction: row !important;
  flex-wrap: nowrap !important;
  gap: 0.25rem;
  list-style: none;
  margin-bottom: 0 !important;
}
.navbar-nav .nav-item,
.navbar-nav li { display: block; }
.navbar-nav a,
.navbar-nav .nav-link {
  display: inline-block !important;
  padding: 6px 14px !important;
  border-radius: var(--radius-sm);
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--text2) !important;
  transition: var(--transition);
  white-space: nowrap;
}
.navbar-nav a:hover,
.navbar-nav .nav-link:hover,
.navbar-nav a.active,
.navbar-nav .nav-link.active { color: var(--green) !important; background: var(--bg3); }
.navbar-right {
  display: flex;
  align-items: center;
  gap: 10px;
  flex-shrink: 0;
}

/* ---- THEME TOGGLE (single icon button) ---- */
.theme-switch {
  display: flex;
  align-items: center;
}

.theme-btn {
  width: 38px;
  height: 38px;
  border-radius: 50%;
  background: var(--bg3);
  border: 1.5px solid var(--border);
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: background 0.3s ease, border-color 0.3s ease,
              transform 0.4s cubic-bezier(0.34, 1.56, 0.64, 1),
              box-shadow 0.3s ease;
  outline: none;
  overflow: hidden;
  position: relative;
  flex-shrink: 0;
}

.theme-btn:hover {
  border-color: var(--green) !important;
  box-shadow: 0 0 0 3px rgba(22,163,74,0.15);
  transform: rotate(20deg) scale(1.08);
}

.theme-btn:active {
  transform: scale(0.92);
}

.theme-btn svg {
  width: 18px;
  height: 18px;
  flex-shrink: 0;
  color: var(--text);
  fill: var(--text);
  transform-origin: center;
  transition: transform 0.32s cubic-bezier(0.34, 1.56, 0.64, 1), opacity 0.18s ease;
  will-change: transform, opacity;
}

.theme-btn.is-swapping svg {
  opacity: 0;
  transform: scale(0.55) rotate(48deg);
}

.dark-mode .theme-btn {
  background: var(--bg3);
  border-color: var(--border);
}

/* ---- SCROLL TO TOP FAB ---- */
.scroll-top-btn {
  position: fixed;
  bottom: 28px;
  right: 28px;
  z-index: 990;
  width: 46px;
  height: 46px;
  border-radius: 50%;
  background: var(--grad);
  border: none;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 4px 16px rgba(22,163,74,0.35);
  opacity: 0;
  visibility: hidden;
  transform: translateY(16px) scale(0.85);
  transition: opacity 0.35s ease, visibility 0.35s ease,
              transform 0.35s cubic-bezier(0.34, 1.56, 0.64, 1),
              box-shadow 0.3s ease;
}
.scroll-top-btn.visible {
  opacity: 1;
  visibility: visible;
  transform: translateY(0) scale(1);
}
.scroll-top-btn:hover {
  box-shadow: 0 8px 24px rgba(22,163,74,0.5);
  transform: translateY(-3px) scale(1.08);
}
.scroll-top-btn:active { transform: scale(0.92); }
.scroll-top-btn svg {
  width: 20px;
  height: 20px;
  fill: none;
  stroke: #fff;
  stroke-width: 2.5;
  stroke-linecap: round;
  stroke-linejoin: round;
}

/* ---- HAMBURGER BUTTON ---- */
.navbar-toggler {
  display: none;
  background: none !important;
  border: 1.5px solid var(--border) !important;
  border-radius: var(--radius-sm) !important;
  padding: 8px 10px !important;
  cursor: pointer;
  color: var(--text) !important;
  box-shadow: none !important;
  outline: none;
  width: 42px;
  height: 38px;
  align-items: center;
  justify-content: center;
}
.navbar-toggler:focus { box-shadow: none !important; outline: none !important; }
.hamburger-icon { display: flex; flex-direction: column; gap: 5px; width: 20px; }
.hamburger-icon span {
  display: block;
  height: 2px;
  background: var(--text);
  border-radius: 2px;
  transition: all 0.35s cubic-bezier(0.4, 0, 0.2, 1);
  transform-origin: center;
}
.navbar-toggler.is-open .hamburger-icon span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.navbar-toggler.is-open .hamburger-icon span:nth-child(2) { opacity: 0; transform: scaleX(0); }
.navbar-toggler.is-open .hamburger-icon span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* ---- MOBILE FULLSCREEN OVERLAY ---- */
.mobile-overlay {
  position: fixed;
  inset: 0;
  z-index: 999;
  background: var(--nav-bg);
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 0;
  opacity: 0;
  visibility: hidden;
  transform: translateY(-16px);
  transition: opacity 0.35s cubic-bezier(0.4, 0, 0.2, 1),
              visibility 0.35s,
              transform 0.35s cubic-bezier(0.4, 0, 0.2, 1);
}
.mobile-overlay.open { opacity: 1; visibility: visible; transform: translateY(0); }
.mobile-overlay-close {
  position: absolute;
  top: 18px;
  right: 20px;
  background: none;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-sm);
  width: 42px;
  height: 38px;
  font-size: 1.5rem;
  line-height: 1;
  color: var(--text);
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: var(--transition);
}
.mobile-overlay-close:hover { border-color: var(--green); color: var(--green); }
.mobile-overlay-nav { display: flex; flex-direction: column; align-items: center; gap: 0; width: 100%; }
.mobile-nav-link {
  display: block;
  width: 100%;
  text-align: center;
  padding: 18px 2rem;
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--text);
  text-decoration: none;
  border-bottom: 1px solid var(--border);
  opacity: 0;
  transform: translateY(12px);
  transition: opacity 0.3s ease, transform 0.3s ease, color 0.2s, background 0.2s;
}
.mobile-overlay.open .mobile-nav-link:nth-child(1) { opacity: 1; transform: translateY(0); transition-delay: 0.05s; }
.mobile-overlay.open .mobile-nav-link:nth-child(2) { opacity: 1; transform: translateY(0); transition-delay: 0.10s; }
.mobile-overlay.open .mobile-nav-link:nth-child(3) { opacity: 1; transform: translateY(0); transition-delay: 0.15s; }
.mobile-overlay.open .mobile-nav-link:nth-child(4) { opacity: 1; transform: translateY(0); transition-delay: 0.20s; }
.mobile-overlay.open .mobile-nav-link:nth-child(5) { opacity: 1; transform: translateY(0); transition-delay: 0.25s; }
.mobile-nav-link:first-child { border-top: 1px solid var(--border); }
.mobile-nav-link:hover, .mobile-nav-link.active { color: var(--green); background: var(--bg3); }
.mobile-overlay-cta {
  margin-top: 2rem;
  width: calc(100% - 4rem);
  max-width: 340px;
  justify-content: center;
  padding: 14px 24px !important;
  font-size: 1rem !important;
  border-radius: var(--radius) !important;
  opacity: 0;
  transform: translateY(12px);
  transition: opacity 0.3s ease 0.30s, transform 0.3s ease 0.30s, background 0.2s;
}
.mobile-overlay.open .mobile-overlay-cta { opacity: 1; transform: translateY(0); }

/* ---- HERO ---- */
.hero {
  background: linear-gradient(135deg, #e8f5e9 0%, #e3f2fd 50%, #f0fdf4 100%);
  padding: 4rem 1.25rem 3rem;
  overflow: hidden;
}
.hero-inner {
  max-width: 1140px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 3rem;
  align-items: center;
}
.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: rgba(255,255,255,0.8);
  border: 1px solid var(--border);
  border-radius: 50px;
  padding: 5px 14px;
  font-size: 0.78rem;
  font-weight: 700;
  color: var(--text2);
  margin-bottom: 1rem;
}
.hero h1 {
  font-size: clamp(1.8rem, 4vw, 2.8rem);
  font-weight: 800;
  line-height: 1.18;
  margin-bottom: 1rem;
}
.hero-desc {
  color: var(--text2);
  font-size: 1rem;
  line-height: 1.7;
  margin-bottom: 1.5rem;
  max-width: 440px;
}
.hero-btns { display: flex; gap: 10px; flex-wrap: wrap; }
.hero-stats { display: flex; gap: 1.5rem; margin-top: 2rem; flex-wrap: wrap; }
.hero-stat-item .num { font-size: 1.4rem; font-weight: 800; }
.hero-stat-item .lbl { font-size: 0.75rem; color: var(--text2); font-weight: 500; }

/* Loan Calculator Card (reused for hub preview) */
.calc-card {
  background: var(--card-bg);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 1.75rem;
  box-shadow: var(--shadow);
  transition: transform 0.3s ease, border-color 0.3s ease, box-shadow 0.3s ease;
}
.calc-card:hover {
  border-color: rgba(22, 163, 74, 0.45);
  transform: translateY(-4px);
  box-shadow: 0 16px 36px rgba(15, 23, 42, 0.12);
}
.calc-card-title {
  font-size: 1rem;
  font-weight: 800;
  margin-bottom: 1.25rem;
  display: flex;
  align-items: center;
  gap: 8px;
}

.insurance-note {
  background: linear-gradient(135deg, #f0fdf4, #eff6ff);
  border: 1px solid #bbf7d0;
  border-radius: var(--radius-sm);
  padding: 10px 14px;
  margin-bottom: 1rem;
  display: flex;
  align-items: flex-start;
  gap: 8px;
  font-size: 0.8rem;
  color: var(--text2);
}
.insurance-note .ins-icon { font-size: 1.1rem; flex-shrink: 0; }
.insurance-note strong { color: var(--green); }

.btn-apply-full {
  width: 100%;
  background: var(--grad);
  color: #fff;
  border: none;
  border-radius: var(--radius-sm);
  padding: 13px;
  font-family: inherit;
  font-size: 1rem;
  font-weight: 700;
  cursor: pointer;
  transition: var(--transition);
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  text-align: center;
}
.btn-apply-full:hover { background: var(--grad-h); transform: translateY(-1px); color: #fff; }

/* ---- TRUST STRIP ---- */
.trust-strip {
  background: var(--card-bg);
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
}
.trust-strip-inner {
  max-width: 1140px;
  margin: 0 auto;
  padding: 1.5rem 1.25rem;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1rem;
  text-align: center;
}
.trust-item .t-num { font-size: 1.6rem; font-weight: 800; }
.trust-item .t-lbl { font-size: 0.75rem; color: var(--text2); font-weight: 500; }

/* ---- PRODUCTS SECTION ---- */
.products-section { padding: 4rem 1.25rem; }
.products-inner { max-width: 1140px; margin: 0 auto; }
.product-tabs {
  display: flex;
  gap: 6px;
  background: var(--bg3);
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  padding: 4px;
  width: fit-content;
  margin-bottom: 2rem;
  flex-wrap: wrap;
}
.ptab {
  padding: 8px 20px;
  border-radius: 6px;
  font-size: 0.875rem;
  font-weight: 700;
  cursor: pointer;
  border: none;
  background: transparent;
  color: var(--text2);
  transition: var(--transition);
  font-family: inherit;
  white-space: nowrap;
}
.ptab.active { background: var(--grad); color: #fff; }
.product-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(200px, 1fr));
  gap: 14px;
}
.product-card {
  background: var(--card-bg);
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  padding: 1.25rem;
  cursor: pointer;
  transition: var(--transition);
  position: relative;
  overflow: hidden;
  display: flex;
  flex-direction: column;
}
.product-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: var(--grad);
  opacity: 0;
  transition: opacity 0.3s;
}
.product-card:hover {
  border-color: var(--green);
  transform: translateY(-4px);
  box-shadow: 0 16px 36px rgba(15, 23, 42, 0.12);
}
.product-card:hover::before { opacity: 1; }
.pcard-icon {
  width: 44px;
  height: 44px;
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.3rem;
  margin-bottom: 0.9rem;
  transition: transform 0.3s ease;
}
.product-card:hover .pcard-icon { transform: translateY(-2px) scale(1.06); }
.pcard-icon.green { background: linear-gradient(135deg,#dcfce7,#bbf7d0); }
.pcard-icon.blue  { background: linear-gradient(135deg,#dbeafe,#bfdbfe); }
.pcard-icon.purp  { background: linear-gradient(135deg,#ede9fe,#ddd6fe); }
.pcard-icon.amber { background: linear-gradient(135deg,#fef3c7,#fde68a); }
.pcard-icon.pink  { background: linear-gradient(135deg,#fce7f3,#fbcfe8); }
.product-card h3 { font-size: 0.95rem; font-weight: 700; margin-bottom: 0.3rem; }
.product-card p { font-size: 0.78rem; color: var(--text2); margin-bottom: 0.7rem; line-height: 1.5; }
.product-rate { font-size: 0.82rem; font-weight: 700; color: var(--green); margin-top: auto; }
.product-apply-btn {
  margin-top: 0.9rem;
  width: 100%;
  background: var(--grad);
  color: #fff;
  border: none;
  border-radius: 6px;
  padding: 8px;
  font-family: inherit;
  font-size: 0.8rem;
  font-weight: 700;
  cursor: pointer;
  transition: var(--transition);
  display: block;
  text-align: center;
}
.product-apply-btn:hover { background: var(--grad-h); color: #fff; }

/* ---- INSURANCE COMBO NOTE ---- */
.ins-combo-banner {
  background: linear-gradient(135deg, #f0fdf4 0%, #eff6ff 100%);
  border: 1.5px solid #bbf7d0;
  border-radius: var(--radius);
  padding: 1.25rem 1.5rem;
  display: flex;
  align-items: flex-start;
  gap: 1rem;
  margin-bottom: 2rem;
}
.ins-combo-banner .ic-icon { font-size: 2rem; flex-shrink: 0; }
.ins-combo-banner h4 { font-size: 1rem; font-weight: 700; margin-bottom: 0.25rem; color: var(--green); }
.ins-combo-banner p { font-size: 0.85rem; color: var(--text2); line-height: 1.6; }

/* ---- HOW IT WORKS ---- */
.how-section { background: var(--bg2); padding: 2rem 1.25rem; border-top: 1px solid var(--border); }
.how-inner { max-width: 1140px; margin: 0 auto; text-align: center; }
.steps-grid {
  display: grid;
  /* Binago natin mula 4 naging 3 columns */
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 1.5rem;
  margin-top: 2rem;
  position: relative;
}
.step-card {
  background: var(--card-bg);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 1.5rem 1.25rem;
  text-align: center;
  transition: transform 0.3s ease, border-color 0.3s ease, box-shadow 0.3s ease;
}
.step-card:hover {
  border-color: rgba(22, 163, 74, 0.45);
  transform: translateY(-4px);
  box-shadow: 0 16px 36px rgba(15, 23, 42, 0.12);
}
.step-num {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  background: var(--grad);
  color: #fff;
  font-size: 1.1rem;
  font-weight: 800;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 1rem;
  transition: transform 0.3s ease, box-shadow 0.3s ease;
}
.step-card:hover .step-num { transform: scale(1.08); box-shadow: 0 8px 18px rgba(22, 163, 74, 0.28); }
.step-card h4 { font-size: 0.95rem; font-weight: 700; margin-bottom: 0.4rem; }
.step-card p { font-size: 0.8rem; color: var(--text2); line-height: 1.5; }

/* ---- FEATURES ---- */
.features-section { padding: 2.5rem 1.25rem; }
.features-inner { max-width: 1140px; margin: 0 auto; }
.features-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 16px;
}
.feature-card {
  background: var(--card-bg);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 1.4rem;
  transition: transform 0.3s ease, border-color 0.3s ease, box-shadow 0.3s ease;
}
.feature-card:hover {
  border-color: rgba(37, 99, 235, 0.45);
  transform: translateY(-4px);
  box-shadow: 0 16px 36px rgba(15, 23, 42, 0.12);
}
.feature-icon { font-size: 1.6rem; margin-bottom: 0.75rem; transition: transform 0.3s ease; }
.feature-card:hover .feature-icon { transform: translateY(-2px) scale(1.08); }
.feature-card h4 { font-size: 0.95rem; font-weight: 700; margin-bottom: 0.35rem; }
.feature-card p { font-size: 0.8rem; color: var(--text2); line-height: 1.55; }

/* ---- TESTIMONIALS ---- */
.testimonials-section { background: var(--bg3); padding: 2.5rem 1.25rem; }
.testimonials-inner { max-width: 1140px; margin: 0 auto; }
.testi-grid {
  display: grid;
 grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 1.5rem;
  margin-top: 2rem;
  position: relative;
}
.testi-card {
  background: var(--card-bg);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 1.4rem;
  transition: transform 0.3s ease, border-color 0.3s ease, box-shadow 0.3s ease;
}
.testi-card:hover {
  border-color: rgba(22, 163, 74, 0.45);
  transform: translateY(-4px);
  box-shadow: 0 16px 36px rgba(15, 23, 42, 0.12);
}
.testi-stars { color: #f59e0b; font-size: 0.9rem; margin-bottom: 0.6rem; }
.testi-text { font-size: 0.875rem; color: var(--text2); line-height: 1.6; margin-bottom: 1rem; font-style: italic; }
.testi-author { display: flex; align-items: center; gap: 10px; }
.testi-avatar {
  width: 52px;
  height: 52px;
  aspect-ratio: 1;
  border-radius: 50%;
  background: var(--grad);
  color: #fff;
  font-size: 0.85rem;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  overflow: hidden;
  border: 2px solid var(--border);
}
.testi-name { font-size: 0.875rem; font-weight: 700; }
.testi-role { font-size: 0.75rem; color: var(--text3); }

/* ---- CTA BANNER ---- */
.cta-section {
  background: var(--grad);
  padding: 4rem 1.25rem;
  text-align: center;
  color: #fff;
}
.cta-section h2 { font-size: clamp(1.5rem, 3vw, 2.2rem); font-weight: 800; margin-bottom: 0.75rem; }
.cta-section p { font-size: 1rem; opacity: 0.9; margin-bottom: 1.75rem; }
.btn-cta-white {
  background: #fff;
  color: var(--green);
  border: none;
  border-radius: var(--radius-sm);
  padding: 13px 30px;
  font-family: inherit;
  font-size: 1rem;
  font-weight: 800;
  cursor: pointer;
  transition: var(--transition);
  display: inline-block;
}
.btn-cta-white:hover { transform: translateY(-2px); box-shadow: 0 8px 24px rgba(0,0,0,0.15); color: var(--green); }

/* ---- FOOTER ---- */
.footer {
  background: var(--nav-bg);
  border-top: 1px solid var(--border);
  padding: 3rem 1.25rem 1.5rem;
}
.footer-inner {
  max-width: 1140px;
  margin: 0 auto;
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 2.5rem;
  margin-bottom: 2rem;
}
.footer-brand .fb-logo { display: flex; align-items: center; gap: 10px; margin-bottom: 0.75rem; }
.footer-brand img,
.footer-logo-img { width: 44px; height: 44px; border-radius: 12px; object-fit: contain; }
.footer-brand p { font-size: 0.83rem; color: var(--text2); line-height: 1.6; }
.footer-col h5 { font-size: 0.875rem; font-weight: 700; margin-bottom: 0.9rem; }
.footer-col ul { list-style: none; }
.footer-col ul li { margin-bottom: 0.5rem; }
.footer-col ul li a {
  font-size: 0.83rem;
  color: var(--text2);
  transition: color 0.2s;
  display: inline-flex;
  align-items: center;
  gap: 8px;
}
.footer-col ul li a:hover { color: var(--green); }
.footer-bottom {
  max-width: 1140px;
  margin: 0 auto;
  padding-top: 1.5rem;
  border-top: 1px solid var(--border);
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 1rem;
  flex-wrap: wrap;
  font-size: 0.8rem;
  color: var(--text3);
}

/* ============================================
   ADDITIONS: Hub Preview Card
   ============================================ */

.hub-service-list {
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.hub-service-item {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 10px 12px;
  background: var(--bg3);
  border-radius: var(--radius-sm);
  border: 1px solid var(--border);
  transition: border-color 0.2s, background 0.2s;
}

.hub-service-item:hover {
  border-color: rgba(22, 163, 74, 0.35);
  background: var(--bg2);
}

.hub-service-icon {
  width: 36px;
  height: 36px;
  min-width: 36px;
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.1rem;
}

.hub-service-info {
  flex: 1;
  min-width: 0;
}

.hub-service-name {
  font-size: 0.84rem;
  font-weight: 700;
  color: var(--text);
  white-space: nowrap;
  overflow: hidden;
  text-overflow: ellipsis;
}

.hub-service-rate {
  font-size: 0.72rem;
  color: var(--green);
  font-weight: 600;
}

.hub-service-tag {
  background: #dcfce7;
  color: var(--green);
  font-size: 0.65rem;
  font-weight: 700;
  padding: 2px 8px;
  border-radius: 50px;
  white-space: nowrap;
  flex-shrink: 0;
}

.hub-service-tag.free {
  background: linear-gradient(135deg, #dcfce7, #dbeafe);
  color: var(--blue);
}

/* ============================================
   ADDITIONS: Our Trusted Financial Services
   ============================================ */

.services-section {
  padding: 2.5rem 1.25rem;
  background: var(--bg3);
}

.services-inner {
  max-width: 1140px;
  margin: 0 auto;
}

/* Search row */
.services-search-row {
  display: flex;
  gap: 12px;
  max-width: 580px;
  margin: 0 auto 1rem;
  align-items: center;
}

.services-search-input-wrap {
  position: relative;
  flex: 1;
  min-width: 0;
}

.services-search-icon {
  position: absolute;
  left: 14px;
  top: 50%;
  transform: translateY(-50%);
  width: 16px;
  height: 16px;
  color: var(--text3);
  stroke: var(--text3);
  pointer-events: none;
}

.services-search-input {
  width: 100%;
  background: var(--bg2);
  border: 1.5px solid var(--border);
  border-radius: 50px;
  padding: 10px 16px 10px 42px;
  font-family: inherit;
  font-size: 0.9rem;
  color: var(--text);
  outline: none;
  transition: border-color 0.2s, box-shadow 0.2s;
}

.services-search-input:focus {
  border-color: var(--green);
  box-shadow: 0 0 0 4px rgba(22, 163, 74, 0.1);
}

.services-search-input::placeholder {
  color: var(--text3);
}

.services-category-select {
  width: 160px !important;
  flex-shrink: 0;
  border-radius: 50px !important;
  background-color: var(--bg2) !important;
  border: 1.5px solid var(--border) !important;
  padding: 10px 36px 10px 16px !important;
  font-family: inherit !important;
  font-size: 0.88rem !important;
  color: var(--text) !important;
  cursor: pointer;
  outline: none !important;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' viewBox='0 0 24 24' fill='none' stroke='%23475569' stroke-width='2.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='m6 9 6 6 6-6'/%3E%3C/svg%3E") !important;
  background-repeat: no-repeat !important;
  background-position: right 12px center !important;
  background-size: 14px !important;
  appearance: none;
  -webkit-appearance: none;
  transition: border-color 0.2s, box-shadow 0.2s;
}

.services-category-select:focus {
  border-color: var(--green) !important;
  box-shadow: 0 0 0 4px rgba(22, 163, 74, 0.1) !important;
}

/* Service cards grid */
.service-cards-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(300px, 1fr));
  gap: 16px;
}

.service-card {
  background: var(--card-bg);
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  padding: 1.4rem;
  transition: transform 0.3s ease, border-color 0.3s ease, box-shadow 0.3s ease;
}

.service-card:hover {
  border-color: var(--green);
  transform: translateY(-4px);
  box-shadow: 0 16px 36px rgba(15, 23, 42, 0.12);
}

.service-card-header {
  display: flex;
  align-items: flex-start;
  justify-content: space-between;
  margin-bottom: 0.85rem;
  gap: 0.5rem;
}

.service-logo-wrap {
  flex-shrink: 0;
}

.service-card-logo {
  width: 52px;
  height: 52px;
  border-radius: 10px;
  object-fit: contain;
  border: 1px solid var(--border);
  padding: 4px;
  background: var(--bg2);
}

.service-logo-fallback {
  width: 52px;
  height: 52px;
  border-radius: 10px;
  background: var(--grad);
  color: #fff;
  font-size: 0.75rem;
  font-weight: 800;
  display: flex;
  align-items: center;
  justify-content: center;
  letter-spacing: 0.02em;
}

.service-badge {
  background: #dcfce7;
  color: var(--green);
  font-size: 0.68rem;
  font-weight: 700;
  padding: 3px 10px;
  border-radius: 50px;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  white-space: nowrap;
}

.service-card h4 {
  font-size: 1rem;
  font-weight: 700;
  margin-bottom: 0.4rem;
  color: var(--text);
}

.service-card p {
  font-size: 0.82rem;
  color: var(--text2);
  line-height: 1.6;
  margin-bottom: 1.1rem;
}

.service-card-footer {
  display: flex;
  align-items: center;
  justify-content: space-between;
  border-top: 1px solid var(--border);
  padding-top: 1rem;
  gap: 0.75rem;
  flex-wrap: wrap;
}

.service-card-meta {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 0.79rem;
  color: var(--text2);
  flex-wrap: wrap;
}

.service-meta-rating {
  display: inline-flex;
  align-items: center;
  gap: 3px;
  color: var(--text2);
}

.service-meta-rating strong {
  color: var(--text);
  font-weight: 700;
}

.service-explore-btn {
  font-size: 0.82rem;
  font-weight: 700;
  color: var(--green) !important;
  text-decoration: none;
  display: inline-flex;
  align-items: center;
  gap: 4px;
  transition: gap 0.2s ease, color 0.2s;
  white-space: nowrap;
}

.service-explore-btn:hover {
  gap: 8px;
  color: var(--green) !important;
}

/* No results */
.services-no-results {
  grid-column: 1 / -1;
  text-align: center;
  padding: 3rem 1.25rem;
  color: var(--text2);
  font-size: 0.875rem;
}

.services-no-results p {
  margin-top: 0.4rem;
  color: var(--text3);
  font-size: 0.82rem;
}

/* ============================================
   DARK MODE
   ============================================ */

.dark-mode .hero {
  background: linear-gradient(135deg, #081428 0%, #091a10 50%, #0a1520 100%);
}

.dark-mode .hero-badge {
  background: rgba(15,26,46,0.9);
}

.dark-mode .section-label {
  background: linear-gradient(135deg, rgba(22,163,74,0.2), rgba(37,99,235,0.2));
}

.dark-mode .insurance-note,
.dark-mode .ins-combo-banner {
  background: linear-gradient(135deg, rgba(22,163,74,0.1), rgba(37,99,235,0.1));
  border-color: rgba(22,163,74,0.3);
}

.dark-mode .hub-service-icon[style],
.dark-mode .pcard-icon.green { background: rgba(22,163,74,0.2) !important; }
.dark-mode .pcard-icon.blue  { background: rgba(37,99,235,0.2) !important; }
.dark-mode .pcard-icon.purp  { background: rgba(124,58,237,0.2) !important; }
.dark-mode .pcard-icon.amber { background: rgba(217,119,6,0.2) !important; }
.dark-mode .pcard-icon.pink  { background: rgba(219,39,119,0.2) !important; }

.dark-mode .hub-service-tag,
.dark-mode .service-badge {
  background: rgba(22,163,74,0.16);
  color: var(--green-light);
}

.dark-mode .hub-service-tag.free {
  background: rgba(37,99,235,0.16);
  color: #93c5fd;
}

.dark-mode .service-card-logo {
  background: #ffffff;
}

.dark-mode .services-category-select {
  background-color: var(--bg2) !important;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' viewBox='0 0 24 24' fill='none' stroke='%238da4c0' stroke-width='2.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='m6 9 6 6 6-6'/%3E%3C/svg%3E") !important;
}

.dark-mode .calc-card:hover,
.dark-mode .product-card:hover,
.dark-mode .step-card:hover,
.dark-mode .feature-card:hover,
.dark-mode .testi-card:hover,
.dark-mode .service-card:hover {
  box-shadow: 0 18px 42px rgba(0, 0, 0, 0.36);
}

/* ============================================
   RESPONSIVE
   ============================================ */

@media (max-width: 992px) {
  .footer-inner { grid-template-columns: 1fr 1fr; }
  .steps-grid,
  .features-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
}

/* Tablet + Mobile: show hamburger, hide desktop nav */
@media (max-width: 1024px) {
  .navbar-inner nav { display: none !important; }
  .navbar-nav { display: none !important; }
  .navbar-toggler { display: flex !important; }
  .navbar-right .btn-primary { display: none !important; }
}

@media (max-width: 768px) {
  .hero-inner { grid-template-columns: 1fr; gap: 2rem; }
  .hero { padding: 2.5rem 1.25rem 2rem; }
  .hero-stats { gap: 1rem; }

  .testimonials-section { padding: 3rem 1.25rem; }
  .testi-grid { grid-template-columns: 1fr; gap: 1.25rem; margin-top: 1.5rem; }

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

  .footer-inner { grid-template-columns: 1fr; gap: 1.5rem; }
  .footer-bottom { justify-content: center; text-align: center; }

  .services-search-row {
    flex-direction: column;
    align-items: stretch;
    max-width: 100%;
  }
  .services-category-select {
    width: 100% !important;
  }
  .services-search-input {
    font-size: 16px !important;
  }
}

@media (max-width: 480px) {
  .steps-grid,
  .features-grid { grid-template-columns: 1fr; }
  .trust-strip-inner { grid-template-columns: repeat(2, 1fr); }
  .hero h1 { font-size: 1.7rem; }
  .hero-btns { flex-direction: column; }
  .hero-btns .btn-primary,
  .hero-btns .btn-outline { width: 100%; justify-content: center; }
  .product-tabs { width: 100%; }
  .ptab { flex: 1; text-align: center; padding: 8px 10px; font-size: 0.8rem; }
  .hub-service-item { padding: 8px 10px; }

  .testi-card { padding: 1.25rem; }
  .testi-text { font-size: 0.82rem; margin-bottom: 0.75rem; }
  .testi-avatar { width: 44px; height: 44px; }

  .service-cards-grid {
    grid-template-columns: 1fr;
  }
}

/* Reduce motion */
@media (prefers-reduced-motion: reduce) {
  .calc-card, .product-card, .step-card, .feature-card,
  .testi-card, .service-card, .hub-service-item {
    transition: none;
  }
  .calc-card:hover, .product-card:hover, .step-card:hover,
  .feature-card:hover, .testi-card:hover, .service-card:hover {
    transform: none;
  }
}

.modal-review-container {
    display: flex;
    gap: 20px;
    align-items: flex-start;
    width: 100%;
}

.modal-review-container .modal-breakdown {
    flex: 1;
}