/* ===== TRUST INDICATORS ===== */
.trust-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-bottom: 48px;
}

.trust-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 28px 24px;
  text-align: center;
  transition: box-shadow var(--transition), transform var(--transition);
}

.trust-card:hover {
  box-shadow: var(--card-shadow);
  transform: translateY(-4px);
}

.trust-icon {
  font-size: 2rem;
  margin-bottom: 14px;
}

.trust-card h4 {
  font-size: 0.95rem;
  font-weight: 700;
  margin-bottom: 10px;
}

.trust-card p {
  font-size: 0.85rem;
  color: var(--text-muted);
  line-height: 1.65;
}

.regulatory-bar {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0;
  background: var(--primary-dark);
  border-radius: var(--radius);
  padding: 20px 32px;
  flex-wrap: wrap;
  gap: 0;
}

.reg-item {
  display: flex;
  flex-direction: column;
  align-items: center;
  padding: 8px 32px;
  gap: 4px;
}

.reg-label {
  font-size: 0.72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.8px;
  color: rgba(255,255,255,0.55);
}

.reg-val {
  font-size: 0.92rem;
  font-weight: 700;
  color: var(--accent);
  font-family: 'Courier New', monospace;
}

.reg-divider {
  width: 1px;
  height: 40px;
  background: rgba(255,255,255,0.12);
}

/* ===== TESTIMONIALS ===== */
.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.testimonial-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 32px 28px;
  display: flex;
  flex-direction: column;
  gap: 16px;
  transition: box-shadow var(--transition), transform var(--transition);
}

.testimonial-card:hover {
  box-shadow: var(--card-shadow-hover);
  transform: translateY(-4px);
}

.stars {
  color: var(--accent);
  font-size: 1.1rem;
  letter-spacing: 2px;
}

.testimonial-text {
  font-size: 0.9rem;
  color: var(--text-muted);
  line-height: 1.7;
  font-style: italic;
  flex: 1;
}

.testimonial-author {
  display: flex;
  align-items: center;
  gap: 14px;
}

.author-avatar {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: var(--primary);
  color: #fff;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 0.85rem;
  flex-shrink: 0;
}

.testimonial-author strong {
  display: block;
  font-size: 0.9rem;
  font-weight: 700;
  color: var(--text);
}

.testimonial-author span {
  font-size: 0.78rem;
  color: var(--text-muted);
}

/* ===== CALCULATORS ===== */
.calc-tabs {
  display: flex;
  gap: 12px;
  justify-content: center;
  margin-bottom: 36px;
}

.calc-tab {
  padding: 10px 28px;
  border: 2px solid var(--border);
  border-radius: 10px;
  background: #fff;
  font-family: inherit;
  font-size: 0.95rem;
  font-weight: 600;
  color: var(--text-muted);
  cursor: pointer;
  transition: all var(--transition);
}

.calc-tab.active,
.calc-tab:hover {
  border-color: var(--primary);
  color: var(--primary);
  background: var(--primary-light);
}

.calc-panel { display: block; }
.calc-panel.hidden { display: none; }

.calc-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: center;
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 40px;
}

.calc-inputs {
  display: flex;
  flex-direction: column;
  gap: 20px;
}

.calc-field label {
  display: block;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--text-muted);
  margin-bottom: 8px;
}

.calc-field input[type="number"] {
  width: 100%;
  padding: 11px 14px;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-sm);
  font-size: 1rem;
  font-family: inherit;
  font-weight: 600;
  color: var(--text);
  transition: border-color var(--transition);
  outline: none;
  margin-bottom: 10px;
}

.calc-field input[type="number"]:focus {
  border-color: var(--primary);
}

.calc-field input[type="range"] {
  width: 100%;
  accent-color: var(--primary);
  cursor: pointer;
}

.calc-result {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 24px;
}

.result-donut {
  position: relative;
  width: 180px;
  height: 180px;
}

.donut-svg {
  width: 100%;
  height: 100%;
  transform: rotate(-90deg);
}

.donut-label {
  position: absolute;
  inset: 0;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  text-align: center;
  gap: 4px;
}

.donut-label span {
  font-size: 1.1rem;
  font-weight: 800;
  color: var(--primary-dark);
}

.donut-label small {
  font-size: 0.72rem;
  color: var(--text-muted);
  font-weight: 500;
}

.result-breakdown {
  width: 100%;
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.breakdown-item {
  display: flex;
  align-items: center;
  gap: 12px;
}

.dot {
  width: 12px;
  height: 12px;
  border-radius: 50%;
  flex-shrink: 0;
}

.dot.invested { background: #e2e8f0; }
.dot.returns  { background: var(--accent); }
.dot.total    { background: var(--primary); }

.breakdown-item small {
  display: block;
  font-size: 0.75rem;
  color: var(--text-muted);
  margin-bottom: 2px;
}

.breakdown-item strong {
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--text);
}

.calc-note {
  text-align: center;
  font-size: 0.78rem;
  color: var(--text-muted);
  margin-top: 16px;
  font-style: italic;
}

/* ===== BLOG PREVIEW ===== */
.blog-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-bottom: 40px;
}

.blog-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 28px 24px;
  display: flex;
  flex-direction: column;
  gap: 12px;
  transition: box-shadow var(--transition), transform var(--transition);
  cursor: pointer;
}

.blog-card:hover {
  box-shadow: var(--card-shadow-hover);
  transform: translateY(-4px);
}

.blog-tag {
  display: inline-block;
  background: var(--primary-light);
  color: var(--primary);
  padding: 4px 12px;
  border-radius: 100px;
  font-size: 0.72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  width: fit-content;
}

.blog-card h3 {
  font-size: 1rem;
  font-weight: 700;
  color: var(--text);
  line-height: 1.4;
}

.blog-card p {
  font-size: 0.85rem;
  color: var(--text-muted);
  line-height: 1.65;
  flex: 1;
}

.blog-read {
  font-size: 0.85rem;
  font-weight: 700;
  color: var(--primary);
  margin-top: auto;
}

.blog-cta {
  text-align: center;
}

/* ===== CONTACT ITEMS ===== */
.cta-contact-items {
  display: flex;
  flex-direction: column;
  gap: 12px;
}

/* ===== COMPLIANCE DISCLAIMER ===== */
.disclaimer-bar {
  background: #fefce8;
  border-top: 2px solid #fbbf24;
  border-bottom: 2px solid #fbbf24;
  padding: 14px 0;
}

.disclaimer-bar p {
  font-size: 0.78rem;
  color: #78350f;
  line-height: 1.6;
}

/* ===== FOOTER ENHANCEMENTS ===== */
.footer-inner {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr 1fr 1fr;
  gap: 32px;
  padding: 64px 24px 48px;
}

.footer-reg-info {
  margin: 16px 0;
  display: flex;
  flex-direction: column;
  gap: 4px;
}

.footer-reg-info p {
  font-size: 0.8rem;
  line-height: 1.5;
}

.footer-reg-info strong {
  color: #fff;
  font-size: 0.82rem;
}

.footer-address {
  display: flex;
  flex-direction: column;
  gap: 6px;
  margin-bottom: 16px;
}

.footer-address p,
.footer-address a {
  font-size: 0.82rem;
  color: rgba(255,255,255,0.65);
  line-height: 1.5;
  transition: color var(--transition);
}

.footer-address a:hover { color: var(--accent); }

.social-links {
  display: flex;
  gap: 10px;
  margin-top: 4px;
}

.social-link {
  width: 36px;
  height: 36px;
  border-radius: 8px;
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.12);
  display: flex;
  align-items: center;
  justify-content: center;
  color: rgba(255,255,255,0.65);
  transition: all var(--transition);
}

.social-link:hover {
  background: var(--accent);
  border-color: var(--accent);
  color: #fff;
}

.footer-bottom-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 12px;
}

.footer-legal-links {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 0.78rem;
  color: rgba(255,255,255,0.35);
}

.footer-legal-links a {
  color: rgba(255,255,255,0.45);
  transition: color var(--transition);
}

.footer-legal-links a:hover { color: var(--accent); }

/* ===== PAGE TEMPLATE (about, blog, legal pages) ===== */
.page-hero {
  background: linear-gradient(135deg, var(--primary-dark) 0%, #1a4fba 100%);
  color: #fff;
  padding: 80px 0 60px;
  text-align: center;
}

.page-hero h1 {
  font-size: clamp(2rem, 4vw, 3rem);
  font-weight: 800;
  margin-bottom: 14px;
  letter-spacing: -0.5px;
}

.page-hero p {
  font-size: 1.05rem;
  color: rgba(255,255,255,0.78);
  max-width: 560px;
  margin: 0 auto;
}

.page-body {
  padding: 80px 0;
}

.page-body h2 {
  font-size: 1.6rem;
  font-weight: 800;
  margin-bottom: 14px;
  color: var(--text);
}

.page-body h3 {
  font-size: 1.15rem;
  font-weight: 700;
  margin-bottom: 10px;
  color: var(--text);
}

.page-body p {
  font-size: 0.95rem;
  color: var(--text-muted);
  line-height: 1.75;
  margin-bottom: 16px;
}

.page-body ul {
  list-style: disc;
  padding-left: 20px;
  margin-bottom: 16px;
}

.page-body ul li {
  font-size: 0.92rem;
  color: var(--text-muted);
  line-height: 1.7;
  margin-bottom: 6px;
}

.page-section {
  margin-bottom: 48px;
  padding-bottom: 48px;
  border-bottom: 1px solid var(--border);
}

.page-section:last-child {
  border-bottom: none;
  margin-bottom: 0;
  padding-bottom: 0;
}

/* About page team */
.team-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-top: 32px;
}

.team-card {
  background: var(--bg-alt);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 28px 24px;
  text-align: center;
}

.team-avatar {
  width: 72px;
  height: 72px;
  border-radius: 50%;
  background: var(--primary);
  color: #fff;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  font-weight: 800;
  margin: 0 auto 16px;
}

.team-card h4 {
  font-size: 1rem;
  font-weight: 700;
  margin-bottom: 4px;
}

.team-card .role {
  font-size: 0.8rem;
  color: var(--primary);
  font-weight: 600;
  margin-bottom: 10px;
}

.team-card p {
  font-size: 0.83rem;
  color: var(--text-muted);
  line-height: 1.6;
}

/* Mission/Vision cards */
.mv-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
  margin-top: 24px;
}

.mv-card {
  border-left: 4px solid var(--primary);
  background: var(--bg-alt);
  border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
  padding: 24px 28px;
}

.mv-card h4 {
  font-size: 1rem;
  font-weight: 700;
  margin-bottom: 8px;
  color: var(--primary);
}

.mv-card p {
  font-size: 0.88rem;
  color: var(--text-muted);
  line-height: 1.7;
}

/* Blog article cards */
.blog-articles {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 28px;
}

.article-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  overflow: hidden;
  transition: box-shadow var(--transition), transform var(--transition);
}

.article-card:hover {
  box-shadow: var(--card-shadow-hover);
  transform: translateY(-4px);
}

.article-header {
  background: linear-gradient(135deg, var(--primary-dark), var(--primary));
  padding: 32px 28px 24px;
}

.article-header .blog-tag {
  background: rgba(255,255,255,0.2);
  color: #fff;
  margin-bottom: 12px;
}

.article-header h2 {
  font-size: 1.2rem;
  font-weight: 800;
  color: #fff;
  line-height: 1.35;
  margin-bottom: 0;
}

.article-body {
  padding: 28px;
}

.article-body p {
  font-size: 0.88rem;
  color: var(--text-muted);
  line-height: 1.7;
  margin-bottom: 12px;
}

.article-body h3 {
  font-size: 1rem;
  font-weight: 700;
  margin: 20px 0 10px;
  color: var(--text);
}

.article-body ul {
  list-style: none;
  padding: 0;
  display: flex;
  flex-direction: column;
  gap: 6px;
}

.article-body ul li {
  font-size: 0.85rem;
  color: var(--text-muted);
  padding-left: 18px;
  position: relative;
}

.article-body ul li::before {
  content: '✓';
  position: absolute;
  left: 0;
  color: var(--primary);
  font-weight: 700;
}

/* ===== RESPONSIVE ADDITIONS ===== */
@media (max-width: 1100px) {
  .footer-inner {
    grid-template-columns: 1fr 1fr 1fr;
  }
  .footer-brand {
    grid-column: 1 / -1;
  }
  .trust-grid { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 900px) {
  .calc-grid { grid-template-columns: 1fr; }
  .testimonials-grid { grid-template-columns: 1fr; }
  .blog-grid { grid-template-columns: 1fr; }
  .blog-articles { grid-template-columns: 1fr; }
  .team-grid { grid-template-columns: 1fr 1fr; }
  .mv-grid { grid-template-columns: 1fr; }
}

@media (max-width: 768px) {
  .trust-grid { grid-template-columns: 1fr; }
  .regulatory-bar { padding: 16px; }
  .reg-item { padding: 8px 16px; }
  .footer-inner { grid-template-columns: 1fr 1fr; gap: 24px; }
  .footer-brand { grid-column: 1 / -1; }
  .footer-bottom-inner { flex-direction: column; text-align: center; }
  .team-grid { grid-template-columns: 1fr; }
}

@media (max-width: 480px) {
  .calc-tabs { flex-direction: column; }
  .calc-tab { width: 100%; }
  .footer-inner { grid-template-columns: 1fr; }
}