/* ============================================
   Credify Now - Premium Redesign
   High-End Fintech Aesthetics
   ============================================ */

@import url('https://fonts.googleapis.com/css2?family=Inter:wght@300;400;500;600;700;800;900&family=Outfit:wght@300;400;500;600;700;800;900&display=swap');

/* ---- CSS Variables ---- */
:root {
  --primary: #4f46e5;
  --primary-dark: #3730a3;
  --primary-light: #818cf8;
  --primary-glow: rgba(79, 70, 229, 0.15);
  --primary-bg: #f5f7ff;
  
  --accent: #f59e0b;
  --accent-dark: #d97706;
  
  --dark: #0f172a;
  --dark-light: #1e293b;
  --dark-glass: rgba(15, 23, 42, 0.85);
  
  --white: #ffffff;
  --text: #334155;
  --text-light: #64748b;
  --text-ultra-light: #94a3b8;
  
  --gray-50: #f8fafc;
  --gray-100: #f1f5f9;
  --gray-200: #e2e8f0;
  --gray-300: #cbd5e1;
  
  --glass: rgba(255, 255, 255, 0.7);
  --glass-border: rgba(255, 255, 255, 0.3);
  
  --shadow-sm: 0 1px 2px 0 rgb(0 0 0 / 0.05);
  --shadow: 0 10px 15px -3px rgb(0 0 0 / 0.1), 0 4px 6px -4px rgb(0 0 0 / 0.1);
  --shadow-lg: 0 25px 50px -12px rgb(0 0 0 / 0.25);
  --shadow-indigo: 0 20px 25px -5px rgba(79, 70, 229, 0.2);
  
  --radius-sm: 8px;
  --radius: 12px;
  --radius-lg: 24px;
  --radius-full: 9999px;
  
  --transition: all 0.4s cubic-bezier(0.4, 0, 0.2, 1);
}

/* ---- Reset & Base ---- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: 'Inter', sans-serif;
  color: var(--text);
  background: var(--white);
  line-height: 1.6;
  overflow-x: hidden;
}
a { text-decoration: none; color: inherit; transition: var(--transition); }
img { max-width: 100%; display: block; }
ul { list-style: none; }
h1,h2,h3,h4,h5,h6 { font-family: 'Outfit', sans-serif; line-height: 1.2; letter-spacing: -0.02em; color: var(--dark); }

/* ---- Background Pattern ---- */
body::before {
  content: ''; position: fixed; inset: 0; z-index: -1;
  background-image: 
    radial-gradient(circle at 20% 20%, var(--primary-glow) 0%, transparent 40%),
    radial-gradient(circle at 80% 80%, rgba(245, 158, 11, 0.05) 0%, transparent 40%);
  pointer-events: none;
}

/* ---- Cookie Banner ---- */
.cookie-banner {
  position: fixed; bottom: 24px; left: 50%; transform: translateX(-50%) translateY(150%);
  z-index: 9999; width: 95%; max-width: 500px;
  background: var(--dark-glass); color: #fff; padding: 20px 24px;
  border-radius: var(--radius-lg); backdrop-filter: blur(12px);
  border: 1px solid var(--glass-border);
  display: flex; align-items: center; justify-content: space-between; gap: 20px;
  box-shadow: var(--shadow-lg); transition: transform 0.6s cubic-bezier(0.34, 1.56, 0.64, 1);
}
.cookie-banner.show { transform: translateX(-50%) translateY(0); }
.cookie-banner a { color: var(--primary-light); text-decoration: underline; font-weight: 600; }
.cookie-btn {
  background: var(--primary); color: #fff; border: none; padding: 10px 24px;
  border-radius: var(--radius-sm); cursor: pointer; font-size: 0.875rem; font-weight: 700;
  transition: var(--transition); white-space: nowrap;
}
.cookie-btn:hover { background: var(--primary-dark); transform: translateY(-2px); }

/* ---- Top Bar ---- */
.topbar {
  background: var(--dark);
  color: var(--text-ultra-light);
  padding: 10px 0;
  font-size: 0.825rem;
  font-weight: 500;
}
.topbar-inner {
  max-width: 1280px; margin: 0 auto; padding: 0 24px;
  display: flex; justify-content: space-between; align-items: center; gap: 16px; flex-wrap: wrap;
}
.topbar a { color: inherit; display: flex; align-items: center; gap: 8px; }
.topbar a:hover { color: var(--white); }
.topbar-links { display: flex; gap: 32px; }

/* ---- Navbar ---- */
.navbar {
  background: rgba(255, 255, 255, 0.8);
  backdrop-filter: blur(16px);
  border-bottom: 1px solid rgba(0,0,0,0.05);
  position: sticky; top: 0; z-index: 1000;
  transition: var(--transition);
}
.navbar.scrolled {
  background: rgba(255, 255, 255, 0.95);
  box-shadow: var(--shadow);
  height: 70px;
}
.nav-inner {
  max-width: 1280px; margin: 0 auto; padding: 0 24px;
  display: flex; align-items: center; justify-content: space-between;
  height: 85px; transition: var(--transition);
}
.navbar.scrolled .nav-inner { height: 70px; }

.nav-logo { display: flex; align-items: center; gap: 14px; }
.logo-icon {
  width: 50px; height: 50px; background: linear-gradient(135deg, var(--primary), var(--primary-dark));
  border-radius: 12px; display: flex; align-items: center; justify-content: center;
  color: white; font-weight: 900; font-size: 1.4rem;
  box-shadow: var(--shadow-indigo); position: relative; overflow: hidden;
}
.logo-icon::after {
  content: ''; position: absolute; inset: 0; background: linear-gradient(rgba(255,255,255,0.2), transparent);
}
.logo-text { display: flex; flex-direction: column; line-height: 1.1; }
.logo-text strong { font-size: 1.6rem; font-weight: 900; color: var(--dark); letter-spacing: -0.04em; }
.logo-text span { font-size: 0.7rem; font-weight: 800; color: var(--primary); letter-spacing: 2px; text-transform: uppercase; margin-top: 2px; }

.nav-menu { display: flex; align-items: center; gap: 4px; }
.nav-link {
  padding: 10px 18px; font-size: 0.975rem; font-weight: 600; color: var(--text);
  border-radius: var(--radius-sm); transition: var(--transition);
}
.nav-link:hover, .nav-link.active { color: var(--primary); background: var(--primary-bg); }

.nav-item.has-dropdown { position: relative; }
.nav-item.has-dropdown:hover .dropdown { opacity: 1; visibility: visible; transform: translateY(0); }
.dropdown {
  position: absolute; top: calc(100% + 12px); left: 0;
  background: var(--white); border-radius: var(--radius); padding: 10px;
  box-shadow: var(--shadow-lg); min-width: 250px;
  opacity: 0; visibility: hidden; transform: translateY(10px);
  transition: var(--transition); border: 1px solid var(--gray-100);
}
.dropdown a {
  display: block; padding: 12px 16px; font-size: 0.9rem; font-weight: 600;
  color: var(--text); border-radius: var(--radius-sm); transition: var(--transition);
}
.dropdown a:hover { background: var(--primary-bg); color: var(--primary); transform: translateX(8px); }

.nav-cta {
  background: var(--primary); color: var(--white) !important;
  padding: 12px 28px !important; border-radius: var(--radius-sm);
  font-weight: 700 !important; box-shadow: var(--shadow-indigo);
  margin-left: 10px;
}
.nav-cta:hover { background: var(--dark); transform: translateY(-3px); box-shadow: var(--shadow-lg); }

.hamburger { display: none; cursor: pointer; padding: 8px; z-index: 1001; }
.hamburger span { display: block; width: 28px; height: 2px; background: var(--dark); border-radius: 4px; transition: var(--transition); margin: 6px 0; }

/* ---- Hero Section ---- */
.hero {
  padding: 100px 0 120px; position: relative; overflow: hidden;
}
.hero-inner {
  max-width: 1280px; margin: 0 auto; padding: 0 24px;
  display: grid; grid-template-columns: 1fr 1fr; gap: 80px; align-items: center;
}
.hero-content { position: relative; z-index: 2; }
.hero-badge {
  display: inline-flex; align-items: center; gap: 10px;
  background: var(--white); border: 1px solid var(--gray-200);
  color: var(--primary); padding: 10px 20px; border-radius: var(--radius-full);
  font-size: 0.875rem; font-weight: 700; margin-bottom: 30px;
  box-shadow: var(--shadow-sm);
}
.hero-badge span { width: 10px; height: 10px; background: var(--primary); border-radius: 50%; animation: pulse-glow 2s infinite; }
@keyframes pulse-glow { 0% { box-shadow: 0 0 0 0 rgba(79, 70, 229, 0.4); } 70% { box-shadow: 0 0 0 10px rgba(79, 70, 229, 0); } 100% { box-shadow: 0 0 0 0 rgba(79, 70, 229, 0); } }

.hero h1 { font-size: clamp(2.8rem, 5.5vw, 4.5rem); font-weight: 900; color: var(--dark); margin-bottom: 28px; line-height: 1.1; }
.hero h1 .highlight { color: var(--primary); background: linear-gradient(135deg, var(--primary) 0%, var(--primary-dark) 100%); -webkit-background-clip: text; -webkit-text-fill-color: transparent; }
.hero p { font-size: 1.25rem; color: var(--text-light); margin-bottom: 44px; max-width: 580px; }

.hero-btns { display: flex; gap: 24px; flex-wrap: wrap; }
.btn-primary {
  display: inline-flex; align-items: center; gap: 12px;
  background: var(--primary); color: #fff; padding: 18px 40px;
  border-radius: var(--radius-sm); font-weight: 800; font-size: 1.1rem;
  box-shadow: var(--shadow-indigo); transition: var(--transition);
}
.btn-primary:hover { background: var(--dark); transform: translateY(-5px); box-shadow: var(--shadow-lg); }

.btn-outline {
  display: inline-flex; align-items: center; gap: 12px;
  background: var(--white); border: 2px solid var(--gray-200);
  color: var(--dark); padding: 16px 40px;
  border-radius: var(--radius-sm); font-weight: 700; font-size: 1.1rem;
  transition: var(--transition);
}
.btn-outline:hover { border-color: var(--primary); color: var(--primary); transform: translateY(-5px); }

.hero-stats { display: flex; gap: 56px; margin-top: 64px; flex-wrap: wrap; }
.stat-item { position: relative; }
.stat-item strong { display: block; font-size: 2.5rem; font-weight: 900; color: var(--dark); letter-spacing: -0.05em; line-height: 1; margin-bottom: 8px; }
.stat-item span { font-size: 0.95rem; color: var(--text-light); font-weight: 600; text-transform: uppercase; letter-spacing: 0.5px; }

.hero-image-wrap { position: relative; z-index: 1; }
.hero-img { border-radius: var(--radius-lg); box-shadow: var(--shadow-lg); width: 100%; height: 600px; object-fit: cover; }
.hero-img-badge {
  position: absolute; bottom: 48px; left: -40px;
  background: rgba(255, 255, 255, 0.95); padding: 24px 32px; border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg); display: flex; align-items: center; gap: 20px;
  backdrop-filter: blur(10px); border: 1px solid var(--glass-border);
  animation: float 5s ease-in-out infinite;
}
@keyframes float { 0%, 100% { transform: translateY(0) rotate(0); } 50% { transform: translateY(-20px) rotate(-1deg); } }
.img-badge-icon { background: var(--primary-bg); width: 56px; height: 56px; border-radius: 50%; display: flex; align-items: center; justify-content: center; font-size: 1.8rem; }
.hero-img-badge strong { font-size: 1.25rem; color: var(--dark); display: block; font-weight: 900; }
.hero-img-badge span { font-size: 1rem; color: var(--primary); font-weight: 700; }

/* ---- Section Styles ---- */
.section { padding: 120px 0; }
.section-alt { background: var(--gray-50); }
.section-dark { background: var(--dark); color: var(--white); }
.container { max-width: 1280px; margin: 0 auto; padding: 0 24px; }
.section-header { text-align: center; margin-bottom: 80px; position: relative; }
.section-tag {
  display: inline-block; color: var(--primary); font-weight: 800; font-size: 0.9rem;
  text-transform: uppercase; letter-spacing: 3px; margin-bottom: 20px;
}
.section-header h2 { font-size: clamp(2.2rem, 4.5vw, 3.5rem); font-weight: 900; color: var(--dark); margin-bottom: 24px; letter-spacing: -0.03em; }
.section-dark .section-header h2 { color: var(--white); }
.section-header p { font-size: 1.2rem; color: var(--text-light); max-width: 750px; margin: 0 auto; }
.section-dark .section-header p { color: var(--text-ultra-light); }

/* ---- Services Grid ---- */
.services-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(350px, 1fr)); gap: 32px; }
.service-card {
  background: var(--white); padding: 48px; border-radius: var(--radius-lg);
  border: 1px solid var(--gray-100); transition: var(--transition);
  display: flex; flex-direction: column; height: 100%; position: relative;
}
.service-card:hover { 
  transform: translateY(-15px); 
  box-shadow: var(--shadow-indigo); 
  border-color: var(--primary-light);
}
.service-card-img { width: 100%; height: 240px; object-fit: cover; margin-bottom: 32px; border-radius: var(--radius); }
.service-card h3 { font-size: 1.75rem; font-weight: 800; color: var(--dark); margin-bottom: 18px; }
.service-card p { font-size: 1.05rem; color: var(--text-light); margin-bottom: 28px; flex: 1; }
.service-link {
  font-weight: 800; color: var(--primary); font-size: 1.1rem; display: flex; align-items: center; gap: 10px;
}
.service-link:hover { gap: 18px; }

/* ---- Features Section ---- */
.features-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); gap: 32px; }
.feature-card {
  padding: 56px 40px; background: rgba(255,255,255,0.05); border: 1px solid rgba(255,255,255,0.1);
  border-radius: var(--radius-lg); text-align: center; transition: var(--transition);
}
.feature-card:hover { background: rgba(255,255,255,0.08); transform: translateY(-10px); border-color: var(--primary); }
.feature-icon {
  width: 90px; height: 90px; background: linear-gradient(135deg, var(--primary), var(--primary-dark));
  border-radius: 28px; display: flex; align-items: center; justify-content: center;
  font-size: 2.5rem; margin: 0 auto 32px; box-shadow: var(--shadow-indigo);
}
.feature-card h4 { font-size: 1.5rem; font-weight: 800; margin-bottom: 18px; color: #fff; }
.feature-card p { font-size: 1.05rem; color: rgba(255,255,255,0.7); }

/* ---- Steps Section ---- */
.steps-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(250px, 1fr)); gap: 48px; position: relative; margin-top: 40px; }
.step-card { text-align: center; position: relative; z-index: 1; }
.step-num {
  width: 88px; height: 88px; border-radius: 50%; background: var(--primary);
  color: #fff; font-size: 2.2rem; font-weight: 900; display: flex; align-items: center; justify-content: center;
  margin: 0 auto 28px; box-shadow: var(--shadow-indigo); border: 8px solid var(--white);
}
.step-card h4 { font-size: 1.5rem; font-weight: 800; margin-bottom: 14px; }

/* ---- Testimonials ---- */
.testimonials-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(380px, 1fr)); gap: 32px; }
.testimonial-card {
  background: var(--white); padding: 56px; border-radius: var(--radius-lg);
  border: 1px solid var(--gray-100); box-shadow: var(--shadow-sm); position: relative;
}
.testimonial-card::before {
  content: '“'; position: absolute; top: 30px; left: 40px; font-size: 8rem; color: var(--primary-glow); font-family: serif; line-height: 1;
}
.testimonial-card blockquote { font-size: 1.2rem; color: var(--text); font-style: italic; margin-bottom: 36px; font-weight: 500; position: relative; z-index: 1; }
.testimonial-author { display: flex; align-items: center; gap: 20px; position: relative; z-index: 1; }
.author-avatar { width: 64px; height: 64px; border-radius: 50%; background: var(--primary); color: #fff; display: flex; align-items: center; justify-content: center; font-weight: 900; font-size: 1.2rem; border: 4px solid var(--primary-bg); }
.author-info strong { display: block; font-size: 1.2rem; color: var(--dark); font-weight: 800; }
.author-info span { font-size: 0.95rem; color: var(--primary); font-weight: 600; }

/* ---- Consultation Form ---- */
.consultation-section { background: #fff; }
.consultation-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 100px; align-items: center; }
.consult-form-card {
  background: var(--white); padding: 64px; border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg); border: 1px solid var(--gray-100); position: relative;
}
.consult-form-card::after {
  content: ''; position: absolute; inset: -1px; border-radius: inherit;
  background: linear-gradient(135deg, var(--primary), var(--accent));
  z-index: -1; opacity: 0.05;
}
.consult-form-card h3 { font-size: 2rem; font-weight: 900; text-align: center; margin-bottom: 12px; }
.consult-form-card h3 span { color: var(--primary); }
.consult-form-card > p { text-align: center; color: var(--text-light); margin-bottom: 40px; }

.form-group { margin-bottom: 24px; }
.form-group label { display: block; font-weight: 800; font-size: 0.85rem; color: var(--dark); text-transform: uppercase; letter-spacing: 1px; margin-bottom: 10px; }
.form-group input, .form-group select, .form-group textarea {
  width: 100%; padding: 18px 24px; border-radius: var(--radius-sm); border: 1px solid var(--gray-200);
  background: var(--gray-50); font-family: inherit; font-size: 1.05rem; transition: var(--transition);
}
.form-group input:focus, .form-group select:focus, .form-group textarea:focus {
  outline: none; border-color: var(--primary); background: #fff; box-shadow: 0 0 0 5px var(--primary-glow);
}
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; }

.btn-submit {
  width: 100%; padding: 22px; background: var(--primary); color: #fff;
  border: none; border-radius: var(--radius-sm); font-weight: 900; font-size: 1.2rem;
  cursor: pointer; box-shadow: var(--shadow-indigo); transition: var(--transition);
  text-transform: uppercase; letter-spacing: 1.5px;
}
.btn-submit:hover { background: var(--dark); transform: translateY(-5px); box-shadow: var(--shadow-lg); }

/* ---- CTA Banner ---- */
.cta-banner {
  background: linear-gradient(135deg, var(--primary) 0%, var(--primary-dark) 100%);
  padding: 100px 0; text-align: center; color: #fff; position: relative; overflow: hidden;
}
.cta-banner::before {
  content: ''; position: absolute; inset: 0; background-image: radial-gradient(circle at 70% 30%, rgba(255,255,255,0.15) 0%, transparent 60%);
}
.cta-banner h2 { font-size: clamp(2rem, 5vw, 3.5rem); font-weight: 900; color: #fff; margin-bottom: 20px; line-height: 1.2; position: relative; }
.cta-banner p { font-size: 1.25rem; color: rgba(255,255,255,0.85); margin-bottom: 44px; max-width: 650px; margin-left: auto; margin-right: auto; position: relative; }
.cta-btns { display: flex; gap: 24px; justify-content: center; position: relative; flex-wrap: wrap; }
.btn-white {
  background: #fff; color: var(--primary); padding: 20px 48px; border-radius: var(--radius-sm);
  font-weight: 900; font-size: 1.15rem; box-shadow: 0 10px 30px rgba(0,0,0,0.2); transition: var(--transition);
}
.btn-white:hover { transform: translateY(-5px); box-shadow: 0 15px 40px rgba(0,0,0,0.3); }
.btn-outline-white {
  border: 2px solid rgba(255,255,255,0.4); color: #fff; padding: 18px 48px; border-radius: var(--radius-sm);
  font-weight: 800; font-size: 1.15rem; transition: var(--transition); backdrop-filter: blur(10px);
}
.btn-outline-white:hover { border-color: #fff; background: rgba(255,255,255,0.1); transform: translateY(-5px); }

/* ---- Footer ---- */
.footer { background: var(--dark); color: var(--text-ultra-light); padding: 120px 0 40px; }
.footer-grid { display: grid; grid-template-columns: 1.8fr 0.8fr 0.8fr 1.2fr; gap: 80px; margin-bottom: 100px; }
.footer-brand .logo-text strong { color: #fff; }
.footer-brand p { margin: 32px 0 40px; font-size: 1.05rem; line-height: 1.8; }
.footer-social { display: flex; gap: 16px; }
.social-btn {
  width: 48px; height: 48px; background: rgba(255,255,255,0.05); border-radius: 14px;
  display: flex; align-items: center; justify-content: center; color: #fff; transition: var(--transition);
}
.social-btn:hover { background: var(--primary); transform: translateY(-5px); }

.footer-col h5 { color: #fff; font-size: 1.25rem; font-weight: 900; margin-bottom: 32px; letter-spacing: -0.02em; }
.footer-col ul li { margin-bottom: 18px; }
.footer-col ul a { font-weight: 500; font-size: 1.05rem; transition: var(--transition); }
.footer-col ul a:hover { color: var(--primary-light); padding-left: 10px; }

.footer-bottom { 
  padding-top: 48px; border-top: 1px solid rgba(255,255,255,0.05);
  display: flex; justify-content: space-between; align-items: center; color: var(--text-ultra-light); font-size: 1rem;
  flex-wrap: wrap; gap: 24px;
}
.footer-bottom-links { display: flex; gap: 32px; }

/* ---- Page Hero ---- */
.page-hero {
  background: var(--dark); padding: 140px 0 100px; text-align: center; color: #fff; position: relative;
}
.page-hero::before { content: ''; position: absolute; inset: 0; background-image: radial-gradient(circle at 30% 0%, var(--primary-glow) 0%, transparent 50%); }
.page-hero h1 { font-size: clamp(3rem, 6vw, 5rem); font-weight: 900; color: #fff; margin-bottom: 24px; position: relative; }
.page-hero p { font-size: 1.3rem; color: var(--text-ultra-light); max-width: 700px; margin: 0 auto 36px; position: relative; }
.breadcrumb { display: flex; justify-content: center; gap: 12px; font-weight: 600; font-size: 1.1rem; position: relative; }
.breadcrumb a { color: var(--primary-light); }
.breadcrumb span { opacity: 0.4; }

/* ---- Mobile Styles ---- */
@media (max-width: 1024px) {
  .hero-inner, .consultation-grid, .footer-grid { grid-template-columns: 1fr; gap: 80px; text-align: center; }
  .hero-content { display: flex; flex-direction: column; align-items: center; }
  .hero-btns { justify-content: center; }
  .hero-stats { justify-content: center; }
  .hero-image-wrap { order: -1; max-width: 600px; margin: 0 auto; }
  .hero-img { height: 450px; }
  .hero-img-badge { left: 24px; bottom: 24px; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 56px; text-align: left; }
}

@media (max-width: 768px) {
  .nav-menu {
    position: absolute; top: 100%; left: 0; right: 0; background: #fff;
    flex-direction: column; padding: 40px 24px; display: none; border-bottom: 1px solid var(--gray-100);
    box-shadow: var(--shadow-lg); opacity: 0; transform: translateY(-20px); transition: var(--transition);
  }
  .nav-menu.open { display: flex; opacity: 1; transform: translateY(0); }
  .hamburger { display: block; }
  .section { padding: 100px 0; }
  .hero h1 { font-size: 3rem; }
  .services-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
}

@media (max-width: 480px) {
  .hero h1 { font-size: 2.5rem; }
  .stat-item strong { font-size: 2rem; }
  .consult-form-card { padding: 40px 24px; }
  .btn-primary, .btn-outline, .btn-white, .btn-outline-white { width: 100%; justify-content: center; }
}