/* ==========================================================================
   MEROGOLD HOLDINGS PVT. LTD. — RESPONSIVE FINTECH DESIGN SYSTEM
   Fluid Auto-Fit Engine for Laptops, Desktops, Tablets & Mobile Devices
   ========================================================================== */

:root {
  /* ==========================================================================
     MEROGOLD SOVEREIGN LIGHT GLASSMORPHISM DESIGN SYSTEM TOKENS
     Primary Brand Position: Premium • Trustworthy • Financial • Precious Metals
     ========================================================================== */

  /* Sovereign Gold Accents */
  --gold-primary: #C9A227;
  --gold-accent: #D4AF37;
  --gold-deep: #B8860B;
  --gold-bright: #D4AF37;
  --gold-light: #F4E7B5;
  --gold-muted: #FAF4DD;
  --gold-gradient: linear-gradient(135deg, #D4AF37 0%, #C9A227 50%, #B8860B 100%);
  --gold-gradient-soft: linear-gradient(135deg, rgba(212, 175, 55, 0.14) 0%, rgba(201, 162, 39, 0.03) 100%);
  --gold-glow: 0 8px 28px -4px rgba(201, 162, 39, 0.22);
  --gold-glow-lg: 0 16px 40px -8px rgba(201, 162, 39, 0.32);
  --gold-border: rgba(201, 162, 39, 0.24);

  /* Ivory & Light Surfaces (Strictly No Dark Crypto UI) */
  --bg-obsidian: #F8F7F3;
  --bg-dark-card: #FFFFFF;
  --bg-dark-card-hover: #FCFBF8;
  --bg-dark-elevated: #FAF8F2;
  --border-dark: rgba(201, 162, 39, 0.18);
  --border-dark-hover: rgba(201, 162, 39, 0.35);

  --bg-ivory: #F8F7F3;
  --bg-cream: #FCFBF8;
  --bg-white: #FFFFFF;
  --bg-surface: #FFFFFF;
  --bg-surface-alt: #F8F7F3;
  --border-light: rgba(0, 0, 0, 0.06);
  --border-light-hover: rgba(201, 162, 39, 0.28);
  --border-neutral: #EAE5DB;

  /* Authentic Premium Light Glassmorphism Engine */
  --glass-l1-bg: rgba(255, 255, 255, 0.52);
  --glass-l1-blur: blur(20px) saturate(180%);
  --glass-l1-border: 1px solid rgba(255, 255, 255, 0.78);
  --glass-l1-shadow: 0 12px 36px -4px rgba(201, 162, 39, 0.08), inset 0 1.5px 1.5px 0 rgba(255, 255, 255, 0.95);

  --glass-l2-bg: rgba(255, 255, 255, 0.62);
  --glass-l2-blur: blur(24px) saturate(190%);
  --glass-l2-border: 1px solid rgba(255, 255, 255, 0.85);
  --glass-l2-shadow: 0 16px 42px -6px rgba(0, 0, 0, 0.06), 0 0 20px rgba(201, 162, 39, 0.08), inset 0 1.5px 1.5px 0 rgba(255, 255, 255, 0.98);

  --glass-l3-bg: rgba(255, 255, 255, 0.68);
  --glass-l3-blur: blur(28px) saturate(200%);
  --glass-l3-border: 1px solid rgba(255, 255, 255, 0.9);
  --glass-l3-shadow: 0 20px 48px -8px rgba(0, 0, 0, 0.07), 0 0 28px rgba(201, 162, 39, 0.12), inset 0 2px 2px 0 rgba(255, 255, 255, 1);

  /* Typography Colors */
  --text-primary: #1C1C1C;
  --text-secondary: #333333;
  --text-tertiary: #666666;
  --text-muted: #666666;
  --text-white: #1C1C1C;
  --text-white-muted: #333333;
  --text-white-dim: #666666;
  --text-gold: #9A6E04;

  /* Refined Financial Status */
  --trade-green: #15803D;
  --trade-green-soft: rgba(21, 128, 61, 0.1);
  --trade-red: #DC2626;
  --trade-red-soft: rgba(220, 38, 38, 0.1);
  --trade-warning: #D97706;

  /* Restrained Border Radii */
  --radius-sm: 10px;
  --radius-md: 14px;
  --radius-lg: 20px;
  --radius-xl: 24px;
  --radius-premium: 24px;
  --radius-pill: 9999px;

  /* Diffused Soft Shadows */
  --shadow-sm: 0 2px 8px rgba(15, 23, 42, 0.03);
  --shadow-md: 0 8px 24px -4px rgba(15, 23, 42, 0.05);
  --shadow-lg: 0 16px 40px -8px rgba(15, 23, 42, 0.08);
  --shadow-gold: 0 12px 36px -6px rgba(201, 162, 39, 0.15);
  --shadow-dark: 0 12px 30px rgba(0, 0, 0, 0.06);

  /* Micro-interactions */
  --ease-smooth: cubic-bezier(0.16, 1, 0.3, 1);
  --transition-fast: 0.15s ease;
  --transition-smooth: 0.25s cubic-bezier(0.16, 1, 0.3, 1);
}

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

html {
  scroll-behavior: smooth;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  font-size: 16px;
}

/* Auto-scale base font on smaller laptop viewports for proportional fit */
@media (max-width: 1366px) and (min-width: 1024px) {
  html {
    font-size: 15px;
  }
}

body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Mukta", sans-serif;
  background-color: var(--bg-ivory);
  color: var(--text-primary);
  line-height: 1.55;
  overflow-x: hidden;
  padding-top: 72px;
}

body.lang-ne, body.lang-hi {
  font-family: 'Mukta', 'Inter', sans-serif;
}

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

button, input, select, textarea {
  font-family: inherit;
  font-size: inherit;
}

/* ==========================================================================
   MEROGOLD LIGHT GLASSMORPHISM SYSTEM UTILITY CLASSES
   ========================================================================== */

/* Glass Surfaces */
.glass-l1 {
  background: var(--glass-l1-bg) !important;
  backdrop-filter: var(--glass-l1-blur) !important;
  -webkit-backdrop-filter: var(--glass-l1-blur) !important;
  border: var(--glass-l1-border) !important;
  box-shadow: var(--glass-l1-shadow) !important;
}

.glass-l2 {
  background: var(--glass-l2-bg) !important;
  backdrop-filter: var(--glass-l2-blur) !important;
  -webkit-backdrop-filter: var(--glass-l2-blur) !important;
  border: var(--glass-l2-border) !important;
  box-shadow: var(--glass-l2-shadow) !important;
}

.glass-l3 {
  background: var(--glass-l3-bg) !important;
  backdrop-filter: var(--glass-l3-blur) !important;
  -webkit-backdrop-filter: var(--glass-l3-blur) !important;
  border: var(--glass-l3-border) !important;
  box-shadow: var(--glass-l3-shadow) !important;
}

.card-premium {
  background: var(--glass-l3-bg);
  backdrop-filter: var(--glass-l3-blur);
  -webkit-backdrop-filter: var(--glass-l3-blur);
  border: 1px solid rgba(201, 162, 39, 0.28);
  border-radius: var(--radius-premium);
  box-shadow: 0 16px 44px -8px rgba(201, 162, 39, 0.14);
}

/* Ambient Background Gold Elements */
.ambient-gold-orb {
  position: absolute;
  border-radius: 50%;
  pointer-events: none;
  filter: blur(80px);
  z-index: 0;
  opacity: 0.65;
  background: radial-gradient(circle, rgba(212, 175, 55, 0.22) 0%, rgba(201, 162, 39, 0.05) 70%, transparent 100%);
}

/* Tabular Numerals for Financial Data */
.mg-tabular-nums, .tabular-nums {
  font-variant-numeric: tabular-nums !important;
  font-feature-settings: "tnum" 1 !important;
}

/* Canonical MeroGold Buttons */
.btn-gold-primary {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  background: var(--gold-gradient);
  color: #1C1C1C !important;
  font-weight: 700;
  font-size: 0.95rem;
  padding: 12px 24px;
  border-radius: var(--radius-sm);
  border: none;
  cursor: pointer;
  transition: all var(--transition-fast);
  box-shadow: 0 6px 20px -4px rgba(201, 162, 39, 0.38);
  text-decoration: none;
  user-select: none;
}

.btn-gold-primary:hover {
  transform: translateY(-1px);
  box-shadow: 0 10px 26px -4px rgba(201, 162, 39, 0.48);
  filter: brightness(1.03);
}

.btn-gold-primary:active {
  transform: scale(0.98);
}

.btn-glass-secondary {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  background: rgba(255, 255, 255, 0.85);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  color: var(--text-primary) !important;
  font-weight: 600;
  font-size: 0.95rem;
  padding: 12px 24px;
  border-radius: var(--radius-sm);
  border: 1px solid rgba(201, 162, 39, 0.24);
  cursor: pointer;
  transition: all var(--transition-fast);
  box-shadow: 0 4px 14px rgba(0, 0, 0, 0.03);
  text-decoration: none;
  user-select: none;
}

.btn-glass-secondary:hover {
  background: #FFFFFF;
  border-color: var(--gold-primary);
  color: var(--gold-deep) !important;
  transform: translateY(-1px);
  box-shadow: 0 8px 20px rgba(201, 162, 39, 0.12);
}

.btn-glass-secondary:active {
  transform: scale(0.98);
}

.btn-gold-tertiary {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: transparent;
  color: var(--gold-deep);
  font-weight: 600;
  font-size: 0.92rem;
  padding: 8px 12px;
  border: none;
  cursor: pointer;
  transition: all var(--transition-fast);
  text-decoration: none;
}

.btn-gold-tertiary:hover {
  color: var(--gold-primary);
  text-decoration: underline;
}

/* Status Badges */
.badge-status {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 4px 10px;
  border-radius: 9999px;
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.02em;
}

.badge-status-success {
  background: rgba(21, 128, 61, 0.10);
  color: var(--trade-green);
  border: 1px solid rgba(21, 128, 61, 0.25);
}

.badge-status-danger {
  background: rgba(220, 38, 38, 0.10);
  color: var(--trade-red);
  border: 1px solid rgba(220, 38, 38, 0.25);
}

.badge-status-warning {
  background: rgba(217, 119, 6, 0.10);
  color: var(--trade-warning);
  border: 1px solid rgba(217, 119, 6, 0.25);
}

.badge-status-gold {
  background: rgba(201, 162, 39, 0.12);
  color: var(--gold-deep);
  border: 1px solid rgba(201, 162, 39, 0.32);
}

/* Glass Form Inputs */
.input-glass {
  width: 100%;
  background: rgba(255, 255, 255, 0.90);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border: 1px solid rgba(0, 0, 0, 0.10);
  border-radius: var(--radius-sm);
  padding: 12px 16px;
  font-size: 0.95rem;
  color: var(--text-primary);
  outline: none;
  transition: all var(--transition-fast);
}

.input-glass:focus {
  border-color: var(--gold-primary);
  box-shadow: 0 0 0 3px rgba(201, 162, 39, 0.18);
  background: #FFFFFF;
}

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

.container {
  width: 100%;
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 20px;
}

/* Serif & Display Headings */
.font-cinzel {
  font-family: 'Cinzel', serif;
}

.text-gold-gradient {
  background: var(--gold-gradient);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  display: inline-block;
}

.section-tag {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 5px 12px;
  border-radius: var(--radius-pill);
  background: rgba(242, 169, 0, 0.1);
  border: 1px solid var(--gold-border);
  color: var(--gold-deep);
  font-size: 0.75rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 1px;
  margin-bottom: 12px;
}

.section-tag.dark {
  background: rgba(242, 169, 0, 0.12);
  color: var(--gold-bright);
}

.section-title {
  font-family: 'Cinzel', serif;
  font-size: clamp(1.75rem, 2.8vw, 2.4rem);
  font-weight: 800;
  line-height: 1.2;
  color: var(--text-primary);
  margin-bottom: 12px;
  letter-spacing: -0.02em;
}

.section-title.dark {
  color: var(--text-white);
}

.section-desc {
  font-size: clamp(0.92rem, 1.1vw, 1.02rem);
  color: var(--text-secondary);
  max-width: 620px;
  margin: 0 auto 36px;
  font-weight: 400;
  line-height: 1.6;
}

.section-desc.dark {
  color: var(--text-white-muted);
}

/* ==========================================================================
   NAVIGATION BAR (CLEAN, PROPORTIONAL & BALANCED)
   ========================================================================== */
.site-header {
  position: fixed;
  top: 0;
  left: 0;
  width: 100%;
  z-index: 1000;
  background: rgba(7, 9, 14, 0.92);
  backdrop-filter: blur(14px);
  -webkit-backdrop-filter: blur(14px);
  border-bottom: 1px solid var(--border-dark);
  transition: all var(--transition-smooth);
}

.site-header.scrolled {
  background: rgba(7, 9, 14, 0.98);
  border-bottom-color: rgba(242, 169, 0, 0.25);
  box-shadow: 0 8px 24px rgba(0, 0, 0, 0.4);
}

.nav-bar-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 72px;
  gap: 16px;
  transition: height var(--transition-smooth);
}

.site-header.scrolled .nav-bar-inner {
  height: 64px;
}

/* Brand Link */
.brand-link {
  display: flex;
  align-items: center;
  gap: 10px;
  text-decoration: none;
  flex-shrink: 0;
}

.brand-symbol {
  width: 36px;
  height: 36px;
  border-radius: 10px;
  background: linear-gradient(135deg, #1C2436 0%, #0F1420 100%);
  border: 1px solid var(--gold-border);
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 4px 12px rgba(0, 0, 0, 0.3);
  position: relative;
  overflow: hidden;
}

.brand-logo-img {
  width: 26px;
  height: 26px;
  object-fit: contain;
  position: relative;
  z-index: 1;
}

.brand-name {
  font-family: 'Cinzel', serif;
  font-size: 1.45rem;
  font-weight: 800;
  color: var(--text-white);
  letter-spacing: -0.5px;
}

.brand-name span {
  color: var(--gold-primary);
}

/* Desktop Links (Visible from 920px+ with Compact Graceful Spacing) */
.nav-links-desktop {
  display: flex;
  align-items: center;
  gap: 18px;
  list-style: none;
  margin: 0;
  padding: 0;
}

.nav-links-desktop a {
  color: var(--text-white-muted);
  font-size: 0.86rem;
  font-weight: 600;
  transition: color var(--transition-fast);
  position: relative;
  padding: 5px 0;
  white-space: nowrap;
}

.nav-links-desktop a:hover,
.nav-links-desktop a.active {
  color: var(--gold-bright);
}

.nav-links-desktop a::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  width: 0;
  height: 2px;
  background: var(--gold-gradient);
  transition: width var(--transition-smooth);
}

.nav-links-desktop a:hover::after,
.nav-links-desktop a.active::after {
  width: 100%;
}

/* Header Actions */
.nav-actions {
  display: flex;
  align-items: center;
  gap: 10px;
  flex-shrink: 0;
}

/* Language Switcher */
/* Language Switcher */
.lang-selector-wrap {
  position: relative;
  display: inline-flex;
  align-items: center;
}

.lang-toggle-btn {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: rgba(212, 175, 55, 0.08);
  border: 1px solid rgba(212, 175, 55, 0.35);
  color: #0F172A;
  padding: 7px 12px;
  border-radius: 8px;
  font-size: 0.82rem;
  font-weight: 700;
  cursor: pointer;
  transition: all var(--transition-fast);
  white-space: nowrap;
}

.lang-toggle-btn:hover {
  background: rgba(212, 175, 55, 0.16);
  border-color: rgba(184, 134, 11, 0.6);
  box-shadow: 0 2px 8px rgba(212, 175, 55, 0.2);
}

.lang-dropdown-menu {
  position: absolute;
  top: calc(100% + 8px);
  right: 0;
  background: #FFFFFF;
  border: 1px solid rgba(212, 175, 55, 0.35);
  border-radius: 12px;
  padding: 6px;
  min-width: 165px;
  box-shadow: 0 16px 36px rgba(15, 23, 42, 0.12), 0 0 15px rgba(212, 175, 55, 0.08);
  display: none;
  flex-direction: column;
  gap: 3px;
  z-index: 10005;
}

.lang-dropdown-menu.active {
  display: flex;
  animation: langDropdownFade 0.18s cubic-bezier(0.16, 1, 0.3, 1);
}

@keyframes langDropdownFade {
  from { opacity: 0; transform: translateY(-6px); }
  to { opacity: 1; transform: translateY(0); }
}

.lang-option {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 8px 12px;
  border-radius: 6px;
  color: #334155;
  font-size: 0.84rem;
  font-weight: 600;
  cursor: pointer;
  transition: all var(--transition-fast);
  background: none;
  border: none;
  width: 100%;
  text-align: left;
}

.lang-option:hover {
  background: rgba(212, 175, 55, 0.12);
  color: #9A6E04;
}

.lang-option.selected {
  background: rgba(212, 175, 55, 0.18);
  color: #8C6200;
  font-weight: 700;
}

.lang-code-pill {
  font-size: 0.68rem;
  padding: 2px 6px;
  border-radius: 4px;
  background: rgba(212, 175, 55, 0.15);
  color: #8C6200;
  font-weight: 700;
}

/* Buttons */
.btn-fintech-primary {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 6px;
  background: var(--gold-gradient);
  color: #07090E;
  font-weight: 700;
  font-size: 0.85rem;
  padding: 8px 15px;
  border-radius: var(--radius-sm);
  border: none;
  cursor: pointer;
  box-shadow: var(--gold-glow);
  transition: transform var(--transition-smooth), box-shadow var(--transition-smooth);
  text-decoration: none;
  white-space: nowrap;
  position: relative;
  overflow: hidden;
}

.btn-fintech-primary:hover {
  transform: translateY(-1.5px);
  box-shadow: var(--gold-glow-lg);
  color: #000;
}

.btn-fintech-secondary {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 6px;
  background: transparent;
  color: var(--text-white);
  font-weight: 600;
  font-size: 0.85rem;
  padding: 8px 14px;
  border-radius: var(--radius-sm);
  border: 1px solid var(--border-dark);
  cursor: pointer;
  transition: all var(--transition-fast);
  text-decoration: none;
  white-space: nowrap;
}

.btn-fintech-secondary:hover {
  background: rgba(255, 255, 255, 0.08);
  border-color: rgba(255, 255, 255, 0.25);
  color: var(--text-white);
}

.btn-fintech-gold-outline {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 6px;
  background: transparent;
  color: var(--gold-bright);
  font-weight: 700;
  font-size: 0.86rem;
  padding: 9px 18px;
  border-radius: var(--radius-sm);
  border: 1px solid var(--gold-border);
  cursor: pointer;
  transition: all var(--transition-fast);
  text-decoration: none;
  white-space: nowrap;
}

.btn-fintech-gold-outline:hover {
  background: rgba(242, 169, 0, 0.12);
  border-color: var(--gold-primary);
  color: var(--gold-bright);
}

/* 3-BARS HAMBURGER MENU BUTTON */
.three-bars-btn {
  display: flex;
  flex-direction: column;
  justify-content: center;
  align-items: center;
  gap: 4px;
  width: 38px;
  height: 38px;
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid var(--gold-border);
  border-radius: var(--radius-sm);
  cursor: pointer;
  padding: 6px;
  transition: all var(--transition-smooth);
}

.three-bars-btn:hover {
  background: rgba(242, 169, 0, 0.15);
  border-color: var(--gold-primary);
}

.three-bars-btn span {
  display: block;
  height: 2px;
  width: 20px;
  background: var(--gold-bright);
  border-radius: 2px;
  transition: transform 0.3s ease, opacity 0.3s ease;
}

.three-bars-btn.open span:nth-child(1) {
  transform: translateY(6px) rotate(45deg);
}

.three-bars-btn.open span:nth-child(2) {
  opacity: 0;
}

.three-bars-btn.open span:nth-child(3) {
  transform: translateY(-6px) rotate(-45deg);
}

/* Mobile Slide-Out Drawer */
.mobile-drawer {
  position: fixed;
  top: 0;
  right: -100%;
  width: 320px;
  max-width: 88vw;
  height: 100vh;
  background: #FFFFFF;
  border-left: 1px solid rgba(212, 175, 55, 0.25);
  box-shadow: -15px 0 45px rgba(15, 23, 42, 0.18);
  padding: 24px 20px 30px;
  display: flex;
  flex-direction: column;
  gap: 10px;
  z-index: 99999;
  transition: right 0.32s cubic-bezier(0.16, 1, 0.3, 1), left 0.32s cubic-bezier(0.16, 1, 0.3, 1);
  overflow-y: auto;
}

.mobile-drawer.open,
.mobile-drawer.active {
  right: 0;
}

.mobile-drawer-overlay {
  position: fixed;
  inset: 0;
  background: rgba(15, 23, 42, 0.65);
  backdrop-filter: blur(5px);
  -webkit-backdrop-filter: blur(5px);
  z-index: 99998;
  opacity: 0;
  visibility: hidden;
  transition: opacity 0.3s ease, visibility 0.3s ease;
}

.mobile-drawer-overlay.open,
.mobile-drawer-overlay.active {
  opacity: 1;
  visibility: visible;
}

.mobile-drawer a.drawer-nav-item {
  color: var(--text-white-muted);
  font-size: 0.95rem;
  font-weight: 600;
  padding: 8px 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.05);
  display: flex;
  align-items: center;
  justify-content: space-between;
  transition: color var(--transition-fast);
}

.mobile-drawer a.drawer-nav-item:hover {
  color: var(--gold-bright);
}

.drawer-badge {
  font-size: 0.72rem;
  padding: 2px 7px;
  border-radius: var(--radius-pill);
  background: rgba(242, 169, 0, 0.15);
  color: var(--gold-bright);
}

/* ==========================================================================
   HERO SECTION (FLUID AUTO-FIT PROPORTIONS FOR LAPTOPS)
   ========================================================================== */
.hero-fintech {
  position: relative;
  background: radial-gradient(circle at 50% 10%, rgba(242, 169, 0, 0.10), transparent 50%),
              radial-gradient(circle at 90% 60%, rgba(30, 58, 138, 0.12), transparent 45%),
              var(--bg-obsidian);
  padding: clamp(36px, 5vh, 60px) 0 clamp(45px, 6vh, 75px);
  overflow: hidden;
  color: var(--text-white);
  border-bottom: 1px solid var(--border-dark);
}

#hero-particles-canvas {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  pointer-events: none;
  z-index: 1;
}

.hero-grid {
  position: relative;
  z-index: 2;
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: clamp(24px, 3.5vw, 44px);
  align-items: center;
}

.hero-badge-live {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 5px 13px;
  background: rgba(16, 185, 129, 0.1);
  border: 1px solid rgba(16, 185, 129, 0.3);
  border-radius: var(--radius-pill);
  font-size: 0.75rem;
  font-weight: 700;
  color: var(--trade-green);
  text-transform: uppercase;
  letter-spacing: 0.8px;
  margin-bottom: 16px;
}

.live-pulse-dot {
  width: 7px;
  height: 7px;
  border-radius: 50%;
  background: var(--trade-green);
  box-shadow: 0 0 0 0 rgba(16, 185, 129, 0.7);
  animation: pulseLive 2s infinite;
}

@keyframes pulseLive {
  0% { transform: scale(0.95); box-shadow: 0 0 0 0 rgba(16, 185, 129, 0.7); }
  70% { transform: scale(1); box-shadow: 0 0 0 6px rgba(16, 185, 129, 0); }
  100% { transform: scale(0.95); box-shadow: 0 0 0 0 rgba(16, 185, 129, 0); }
}

.hero-main-title {
  font-family: 'Cinzel', serif;
  font-size: clamp(2.1rem, 3.8vw, 3.4rem);
  font-weight: 800;
  line-height: 1.1;
  letter-spacing: -0.02em;
  margin-bottom: 14px;
  color: var(--text-white);
}

.hero-main-title span {
  background: var(--gold-gradient);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  display: block;
}

.hero-sub-text {
  font-size: clamp(0.92rem, 1.1vw, 1.05rem);
  color: var(--text-white-muted);
  max-width: 520px;
  line-height: 1.6;
  margin-bottom: 24px;
}

.hero-btn-group {
  display: flex;
  justify-content: center;
  align-items: center;
  gap: 14px;
  flex-wrap: wrap;
  margin-bottom: 35px;
}

.hero-stats-row {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: clamp(16px, 3vw, 40px);
  max-width: 960px;
  margin: 0 auto;
  padding-top: 24px;
  border-top: 1px solid var(--border-light);
}

.stat-item small {
  display: block;
  font-size: 0.72rem;
  font-weight: 600;
  color: var(--text-white-dim);
  text-transform: uppercase;
  letter-spacing: 0.5px;
  margin-bottom: 3px;
}

.stat-item strong {
  font-size: clamp(1.1rem, 1.4vw, 1.35rem);
  font-weight: 800;
  color: var(--text-white);
  font-family: 'Cinzel', serif;
}

/* Compact Hero Vault Card */
.hero-visual-col {
  position: relative;
  display: flex;
  justify-content: center;
}

.hero-visual-card {
  width: 100%;
  max-width: 390px;
  background: rgba(15, 20, 32, 0.8);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  border: 1px solid rgba(242, 169, 0, 0.25);
  border-radius: var(--radius-xl);
  padding: clamp(18px, 2.5vw, 24px);
  box-shadow: 0 20px 50px -10px rgba(0, 0, 0, 0.6), 0 0 30px rgba(242, 169, 0, 0.08);
  position: relative;
}

.hero-card-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 16px;
  padding-bottom: 10px;
  border-bottom: 1px solid var(--border-dark);
}

.vault-chip {
  display: flex;
  align-items: center;
  gap: 6px;
  font-size: 0.78rem;
  font-weight: 700;
  color: var(--gold-bright);
}

.vault-chip-icon {
  width: 20px;
  height: 20px;
  border-radius: 5px;
  background: rgba(242, 169, 0, 0.15);
  display: grid;
  place-items: center;
  color: var(--gold-primary);
  font-size: 0.75rem;
}

.asset-pill-live {
  font-size: 0.7rem;
  font-weight: 700;
  padding: 3px 8px;
  border-radius: var(--radius-pill);
  background: rgba(16, 185, 129, 0.12);
  color: var(--trade-green);
  border: 1px solid rgba(16, 185, 129, 0.25);
}

.vault-balance-block {
  margin-bottom: 16px;
}

.vault-label {
  font-size: 0.72rem;
  text-transform: uppercase;
  letter-spacing: 0.8px;
  color: var(--text-white-dim);
  font-weight: 600;
}

.vault-value-amount {
  font-family: 'Cinzel', serif;
  font-size: clamp(1.7rem, 2.3vw, 2rem);
  font-weight: 800;
  color: var(--text-white);
  margin-top: 2px;
}

.vault-holdings-split {
  display: flex;
  gap: 14px;
  margin-top: 4px;
  font-size: 0.8rem;
  font-weight: 600;
  color: var(--gold-bright);
}

.vault-holdings-split span.silver {
  color: var(--silver-light);
}

.hero-rates-mini-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px;
  margin-bottom: 16px;
}

.mini-rate-card {
  background: rgba(255, 255, 255, 0.03);
  border: 1px solid var(--border-dark);
  border-radius: var(--radius-sm);
  padding: 10px 12px;
}

.mini-rate-card.gold-card {
  border-color: rgba(242, 169, 0, 0.25);
}

.mini-rate-card small {
  font-size: 0.7rem;
  color: var(--text-white-dim);
  font-weight: 600;
  display: block;
}

.mini-rate-price {
  font-size: 1.05rem;
  font-weight: 800;
  color: var(--text-white);
  margin: 2px 0 1px;
}

.mini-rate-change {
  font-size: 0.7rem;
  font-weight: 700;
  color: var(--trade-green);
}

.hero-card-cta-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 8px;
}

.btn-mini-action {
  padding: 8px;
  border-radius: var(--radius-sm);
  font-size: 0.8rem;
  font-weight: 700;
  text-align: center;
  cursor: pointer;
  text-decoration: none;
  transition: all var(--transition-fast);
}

.btn-mini-buy {
  background: var(--trade-green);
  color: #FFFFFF;
}

.btn-mini-buy:hover {
  background: #059669;
}

.btn-mini-sell {
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid var(--border-dark);
  color: var(--text-white);
}

.btn-mini-sell:hover {
  background: rgba(255, 255, 255, 0.15);
}

/* ==========================================================================
   RATES BOARD (CLEAN, PROPORTIONAL & RESPONSIVE)
   ========================================================================== */
.rates-section {
  padding: clamp(45px, 6vh, 70px) 0;
  background: var(--bg-surface);
  border-bottom: 1px solid var(--border-light);
}

.rates-board-container {
  max-width: 900px;
  margin: 0 auto;
  background: var(--bg-white);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-md);
  overflow: hidden;
}

.rates-board-top {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 18px 24px;
  border-bottom: 1px solid var(--border-light);
  gap: 14px;
  flex-wrap: wrap;
}

.rates-board-title h3 {
  font-family: 'Cinzel', serif;
  font-size: 1.2rem;
  font-weight: 800;
  color: var(--text-primary);
}

.rates-board-title p {
  font-size: 0.8rem;
  color: var(--text-secondary);
  margin-top: 1px;
}

.rates-controls-row {
  display: flex;
  align-items: center;
  gap: 10px;
}

.unit-switch-container {
  display: flex;
  background: var(--bg-surface-alt);
  border-radius: var(--radius-sm);
  padding: 3px;
  border: 1px solid var(--border-light);
}

.unit-btn {
  padding: 5px 12px;
  font-size: 0.78rem;
  font-weight: 700;
  border-radius: 5px;
  border: none;
  background: transparent;
  color: var(--text-secondary);
  cursor: pointer;
  transition: all var(--transition-fast);
}

.unit-btn.active {
  background: var(--bg-white);
  color: var(--text-primary);
  box-shadow: var(--shadow-sm);
}

.live-time-indicator {
  display: flex;
  align-items: center;
  gap: 6px;
  font-size: 0.78rem;
  font-weight: 600;
  color: var(--text-secondary);
  background: var(--bg-surface);
  padding: 5px 11px;
  border-radius: var(--radius-pill);
  border: 1px solid var(--border-light);
}

/* Rates Table */
.rates-table-wrap {
  width: 100%;
  overflow-x: auto;
  overflow-y: hidden !important;
  -webkit-overflow-scrolling: touch;
}

/* Share-Market Live Tick Flash (Green on Up, Red on Down) */
.price-tick-up {
  background-color: rgba(34, 197, 94, 0.22) !important;
  color: #15803d !important;
  border-radius: 4px;
  padding: 2px 6px;
  transition: background-color 0.6s ease, color 0.6s ease;
}

.price-tick-down {
  background-color: rgba(239, 68, 68, 0.22) !important;
  color: #dc2626 !important;
  border-radius: 4px;
  padding: 2px 6px;
  transition: background-color 0.6s ease, color 0.6s ease;
}

.rates-table {
  width: 100%;
  min-width: 600px;
  border-collapse: collapse;
  text-align: left;
}

.rates-table th {
  padding: 12px 20px;
  font-size: 0.75rem;
  font-weight: 700;
  color: var(--text-tertiary);
  text-transform: uppercase;
  letter-spacing: 0.6px;
  background: var(--bg-surface);
  border-bottom: 1px solid var(--border-light);
}

.rates-table td {
  padding: 18px 20px;
  border-bottom: 1px solid var(--border-light);
  vertical-align: middle;
}

.rates-table tr:last-child td {
  border-bottom: none;
}

.rates-table tr:hover {
  background: rgba(242, 169, 0, 0.025);
}

.metal-cell {
  display: flex;
  align-items: center;
  gap: 12px;
}

.metal-avatar {
  width: 40px;
  height: 40px;
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 800;
  font-size: 0.85rem;
  flex-shrink: 0;
}

.metal-avatar.gold {
  background: linear-gradient(135deg, #FFF8E1 0%, #FFE082 100%);
  color: var(--gold-deep);
  border: 1px solid var(--gold-border);
}

.metal-avatar.silver {
  background: linear-gradient(135deg, #F8FAFC 0%, #E2E8F0 100%);
  color: #475569;
  border: 1px solid #CBD5E1;
}

.metal-info-block .metal-title {
  font-weight: 800;
  font-size: 1.05rem;
  color: var(--text-primary);
}

.metal-info-block .metal-purity-tag {
  font-size: 0.76rem;
  color: var(--text-secondary);
  display: block;
}

.rate-cell-value {
  font-size: 1.15rem;
  font-weight: 800;
  line-height: 1.2;
}

.rate-cell-value.buy-rate {
  color: var(--trade-green);
}

.rate-cell-value.sell-rate {
  color: var(--text-primary);
}

.rate-sub-unit {
  font-size: 0.75rem;
  color: var(--text-secondary);
  font-weight: 600;
  display: block;
  margin-top: 2px;
}

.trend-badge {
  display: inline-flex;
  align-items: center;
  gap: 3px;
  padding: 4px 10px;
  border-radius: var(--radius-pill);
  font-size: 0.78rem;
  font-weight: 700;
}

.trend-badge.up {
  background: var(--trade-green-soft);
  color: var(--trade-green);
}

.rates-board-footer {
  padding: 14px 24px;
  background: var(--bg-surface);
  border-top: 1px solid var(--border-light);
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 0.78rem;
  color: var(--text-tertiary);
  flex-wrap: wrap;
  gap: 8px;
}

/* ==========================================================================
   PROFESSIONAL LIVE BULLION FINANCIAL CHART
   ========================================================================== */
.live-chart-section {
  padding: 20px 24px;
  background: #ffffff;
  border-top: 1px solid var(--border-light);
}

.live-chart-topbar {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 12px;
  margin-bottom: 16px;
}

.live-chart-asset-switch {
  display: flex;
  gap: 6px;
  background: var(--bg-surface);
  padding: 4px;
  border-radius: var(--radius-pill);
  border: 1px solid var(--border-light);
}

.chart-asset-btn {
  border: none;
  background: transparent;
  padding: 6px 14px;
  font-size: 0.8rem;
  font-weight: 700;
  color: var(--text-secondary);
  border-radius: var(--radius-pill);
  cursor: pointer;
  transition: all 0.2s ease;
}

.chart-asset-btn.active {
  background: #ffffff;
  color: var(--text-primary);
  box-shadow: 0 1px 4px rgba(0, 0, 0, 0.08);
}

.chart-asset-btn.active.gold-btn {
  color: #b45309;
  border: 1px solid rgba(245, 158, 11, 0.3);
}

.chart-asset-btn.active.silver-btn {
  color: #334155;
  border: 1px solid rgba(148, 163, 184, 0.3);
}

.live-chart-controls {
  display: flex;
  align-items: center;
  gap: 12px;
  flex-wrap: wrap;
}

.live-chart-timeframes {
  display: flex;
  gap: 4px;
  background: var(--bg-surface);
  padding: 3px;
  border-radius: 6px;
  border: 1px solid var(--border-light);
}

.chart-tf-btn {
  border: none;
  background: transparent;
  padding: 4px 10px;
  font-size: 0.72rem;
  font-weight: 700;
  color: var(--text-tertiary);
  border-radius: 4px;
  cursor: pointer;
  transition: all 0.2s ease;
}

.chart-tf-btn.active {
  background: #ffffff;
  color: var(--text-primary);
  box-shadow: 0 1px 3px rgba(0, 0, 0, 0.06);
}

.live-chart-summary {
  display: flex;
  align-items: baseline;
  gap: 8px;
}

.chart-current-price {
  font-size: 1.3rem;
  font-weight: 800;
  color: var(--text-primary);
  font-feature-settings: "tnum";
}

.chart-live-badge {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  font-size: 0.75rem;
  font-weight: 700;
  padding: 2px 8px;
  border-radius: 4px;
}

.chart-type-switch {
  display: flex;
  gap: 3px;
  background: var(--bg-surface);
  padding: 3px;
  border-radius: 6px;
  border: 1px solid var(--border-light);
}

.chart-type-btn {
  border: none;
  background: transparent;
  padding: 4px 9px;
  font-size: 0.72rem;
  font-weight: 700;
  color: var(--text-tertiary);
  border-radius: 4px;
  cursor: pointer;
  transition: all 0.2s ease;
}

.chart-type-btn.active {
  background: #ffffff;
  color: var(--text-primary);
  box-shadow: 0 1px 3px rgba(0, 0, 0, 0.08);
}

.live-chart-canvas-wrap {
  position: relative;
  width: 100%;
  height: 310px;
  margin-top: 10px;
  background: #ffffff;
  border-radius: 8px;
  border: 1px solid var(--border-light);
}

.live-chart-canvas {
  width: 100%;
  height: 100%;
  display: block;
}

.live-chart-metrics {
  display: flex;
  gap: 20px;
  margin-top: 14px;
  padding-top: 12px;
  border-top: 1px dashed var(--border-light);
  font-size: 0.78rem;
  color: var(--text-tertiary);
  flex-wrap: wrap;
}

.chart-metric-item strong {
  color: var(--text-primary);
  font-weight: 700;
}

/* ==========================================================================
   WHAT IS MEROGOLD
   ========================================================================== */
.what-section {
  padding: clamp(45px, 6vh, 75px) 0;
  background: var(--bg-white);
}

.what-features-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}

.fintech-card {
  background: var(--bg-white);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-lg);
  padding: 26px 22px;
  transition: transform var(--transition-smooth), box-shadow var(--transition-smooth), border-color var(--transition-smooth);
}

.fintech-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
  border-color: var(--gold-border);
}

.card-icon-frame {
  width: 46px;
  height: 46px;
  border-radius: 12px;
  background: var(--bg-cream);
  border: 1px solid var(--gold-border);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 16px;
  color: var(--gold-deep);
  font-size: 1.25rem;
}

.fintech-card h3 {
  font-family: 'Cinzel', serif;
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--text-primary);
  margin-bottom: 8px;
}

.fintech-card p {
  font-size: 0.88rem;
  color: var(--text-secondary);
  line-height: 1.55;
}

/* ==========================================================================
   HOW IT WORKS (6-STEP WORKFLOW)
   ========================================================================== */
.how-section {
  padding: clamp(45px, 6vh, 75px) 0;
  background: var(--bg-surface);
  border-top: 1px solid var(--border-light);
  border-bottom: 1px solid var(--border-light);
}

.workflow-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 18px;
}

.step-card {
  background: var(--bg-white);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-lg);
  padding: 22px 20px;
  transition: all var(--transition-smooth);
}

.step-card:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-sm);
  border-color: var(--gold-border);
}

.step-number-tag {
  font-family: 'Cinzel', serif;
  font-size: 1.5rem;
  font-weight: 800;
  color: var(--gold-primary);
  margin-bottom: 8px;
  display: flex;
  justify-content: space-between;
  align-items: center;
}

.step-icon-badge {
  width: 32px;
  height: 32px;
  border-radius: 8px;
  background: var(--bg-surface);
  border: 1px solid var(--border-light);
  display: grid;
  place-items: center;
  font-size: 0.95rem;
}

.step-card h4 {
  font-family: 'Cinzel', serif;
  font-size: 1.1rem;
  font-weight: 700;
  margin-bottom: 6px;
  color: var(--text-primary);
}

.step-card p {
  font-size: 0.86rem;
  color: var(--text-secondary);
  line-height: 1.5;
}

/* ==========================================================================
   BECOME A MERCHANT & PARTNERS SECTION
   ========================================================================== */
.merchant-partner-section {
  padding: clamp(45px, 6vh, 75px) 0;
  background: var(--bg-white);
}

.biz-showcase-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
}

.biz-card {
  background: var(--bg-surface);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-xl);
  padding: clamp(24px, 3.5vw, 36px);
  transition: all var(--transition-smooth);
  display: flex;
  flex-direction: column;
  position: relative;
  overflow: hidden;
}

.biz-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: var(--gold-gradient);
}

.biz-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
  border-color: var(--gold-border);
  background: var(--bg-white);
}

.biz-card-icon {
  width: 48px;
  height: 48px;
  border-radius: 12px;
  background: rgba(242, 169, 0, 0.12);
  border: 1px solid var(--gold-border);
  display: grid;
  place-items: center;
  font-size: 1.4rem;
  margin-bottom: 16px;
}

.biz-card h3 {
  font-family: 'Cinzel', serif;
  font-size: 1.35rem;
  font-weight: 800;
  margin-bottom: 10px;
  color: var(--text-primary);
}

.biz-card p {
  font-size: 0.9rem;
  color: var(--text-secondary);
  line-height: 1.6;
  margin-bottom: 20px;
  flex-grow: 1;
}

.biz-badges-row {
  display: flex;
  gap: 6px;
  flex-wrap: wrap;
  margin-bottom: 22px;
}

.biz-badge-pill {
  padding: 4px 10px;
  border-radius: var(--radius-pill);
  font-size: 0.76rem;
  font-weight: 700;
  background: rgba(242, 169, 0, 0.1);
  color: var(--gold-deep);
  border: 1px solid var(--gold-border);
}

/* ==========================================================================
   LOW ENTRY POINT SECTION (NPR 1,000)
   ========================================================================== */
.entry-point-section {
  padding: clamp(45px, 6vh, 70px) 0;
  background: linear-gradient(135deg, #07090E 0%, #0F1420 100%);
  color: var(--text-white);
  border-top: 1px solid var(--border-dark);
  border-bottom: 1px solid var(--border-dark);
}

.entry-grid {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: clamp(24px, 4vw, 44px);
  align-items: center;
}

.entry-content h2 {
  font-family: 'Cinzel', serif;
  font-size: clamp(1.8rem, 2.8vw, 2.5rem);
  font-weight: 800;
  line-height: 1.15;
  margin-bottom: 14px;
}

.entry-content p {
  font-size: 0.92rem;
  color: var(--text-white-muted);
  line-height: 1.6;
  margin-bottom: 22px;
}

.entry-features-list {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  margin-bottom: 24px;
}

.entry-feature-box {
  background: rgba(255, 255, 255, 0.04);
  border: 1px solid var(--border-dark);
  border-radius: var(--radius-sm);
  padding: 14px;
}

.entry-feature-box strong {
  display: block;
  font-size: 1.05rem;
  font-weight: 800;
  color: var(--gold-bright);
  margin-bottom: 2px;
}

.entry-feature-box span {
  font-size: 0.78rem;
  color: var(--text-white-muted);
}

.entry-visual-box {
  background: rgba(255, 255, 255, 0.03);
  border: 1px solid rgba(242, 169, 0, 0.2);
  border-radius: var(--radius-xl);
  padding: 24px;
  text-align: center;
}

.entry-visual-box img {
  max-width: 240px;
  margin: 0 auto 12px;
  filter: drop-shadow(0 10px 24px rgba(0, 0, 0, 0.5));
}

/* ==========================================================================
   SMART SAVER
   ========================================================================== */
.smartsaver-section {
  padding: clamp(45px, 6vh, 75px) 0;
  background: var(--bg-white);
}

.smartsaver-banner-card {
  background: linear-gradient(135deg, #0A0E17 0%, #151C2C 100%);
  border: 1px solid rgba(242, 169, 0, 0.25);
  border-radius: var(--radius-xl);
  padding: clamp(24px, 4vw, 42px);
  color: var(--text-white);
  box-shadow: var(--shadow-dark);
}

.smartsaver-grid {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: clamp(24px, 3.5vw, 40px);
  align-items: center;
}

.smartsaver-title {
  font-family: 'Cinzel', serif;
  font-size: clamp(1.8rem, 2.5vw, 2.2rem);
  font-weight: 800;
  margin-bottom: 10px;
}

.tenure-selector-row {
  display: flex;
  gap: 8px;
  flex-wrap: wrap;
  margin: 18px 0;
}

.tenure-btn {
  padding: 7px 13px;
  border-radius: var(--radius-sm);
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid var(--border-dark);
  color: var(--text-white-muted);
  font-size: 0.8rem;
  font-weight: 700;
  cursor: pointer;
  transition: all var(--transition-fast);
}

.tenure-btn.active, .tenure-btn:hover {
  background: var(--gold-gradient);
  color: #07090E;
  border-color: transparent;
}

.smartsaver-calculator-box {
  background: rgba(255, 255, 255, 0.04);
  border: 1px solid var(--border-dark);
  border-radius: var(--radius-lg);
  padding: 22px;
}

.smartsaver-calculator-box h4 {
  font-family: 'Cinzel', serif;
  font-size: 1.15rem;
  font-weight: 700;
  margin-bottom: 14px;
  color: var(--gold-bright);
}

.calc-field-group {
  margin-bottom: 14px;
}

.calc-field-group label {
  display: block;
  font-size: 0.78rem;
  font-weight: 600;
  color: var(--text-white-dim);
  margin-bottom: 4px;
  text-transform: uppercase;
  letter-spacing: 0.5px;
}

.calc-input-wrapper input {
  width: 100%;
  background: rgba(0, 0, 0, 0.3);
  border: 1px solid var(--border-dark);
  border-radius: var(--radius-sm);
  padding: 10px 14px;
  color: var(--text-white);
  font-size: 1rem;
  font-weight: 700;
  outline: none;
  transition: border-color var(--transition-fast);
}

.calc-results-card {
  background: rgba(0, 0, 0, 0.4);
  border-radius: var(--radius-sm);
  padding: 14px;
  margin-top: 16px;
  border: 1px solid var(--border-dark);
}

.calc-result-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 5px 0;
  font-size: 0.82rem;
}

.calc-result-row span {
  color: var(--text-white-muted);
}

.calc-result-row strong {
  font-size: 0.95rem;
  color: var(--gold-bright);
}

/* ==========================================================================
   TRANSPARENCY & DISCLOSURES
   ========================================================================== */
.transparency-section {
  padding: clamp(45px, 6vh, 70px) 0;
  background: var(--bg-white);
}

.transparency-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 16px;
}

.fee-metric-card {
  background: var(--bg-surface);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-lg);
  padding: 22px 18px;
  text-align: center;
  transition: all var(--transition-smooth);
}

.fee-metric-card:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-sm);
  border-color: var(--gold-border);
}

.fee-metric-number {
  font-family: 'Cinzel', serif;
  font-size: 1.85rem;
  font-weight: 800;
  color: var(--gold-deep);
  margin-bottom: 4px;
}

.fee-metric-card h4 {
  font-size: 0.92rem;
  font-weight: 700;
  color: var(--text-primary);
  margin-bottom: 3px;
}

.fee-metric-card p {
  font-size: 0.8rem;
  color: var(--text-secondary);
  line-height: 1.45;
}

/* ==========================================================================
   SECURITY & TRUST
   ========================================================================== */
.security-section {
  padding: clamp(45px, 6vh, 75px) 0;
  background: linear-gradient(135deg, #07090E 0%, #111724 100%);
  color: var(--text-white);
  border-top: 1px solid var(--border-dark);
}

.security-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 18px;
}

.security-card {
  background: rgba(255, 255, 255, 0.03);
  border: 1px solid var(--border-dark);
  border-radius: var(--radius-lg);
  padding: 24px 20px;
  transition: all var(--transition-smooth);
}

.security-card:hover {
  border-color: rgba(242, 169, 0, 0.3);
  transform: translateY(-3px);
  background: rgba(255, 255, 255, 0.05);
}

.security-icon-box {
  width: 42px;
  height: 42px;
  border-radius: 10px;
  background: rgba(242, 169, 0, 0.1);
  border: 1px solid var(--gold-border);
  display: grid;
  place-items: center;
  font-size: 1.2rem;
  color: var(--gold-bright);
  margin-bottom: 16px;
}

.security-card h3 {
  font-family: 'Cinzel', serif;
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--text-white);
  margin-bottom: 8px;
}

.security-card p {
  font-size: 0.85rem;
  color: var(--text-white-muted);
  line-height: 1.5;
}

/* ==========================================================================
   CALCULATOR SECTION
   ========================================================================== */
.calculator-section {
  padding: clamp(45px, 6vh, 75px) 0;
  background: var(--bg-surface);
  border-top: 1px solid var(--border-light);
  border-bottom: 1px solid var(--border-light);
}

.calculator-card-frame {
  max-width: 740px;
  margin: 0 auto;
  background: var(--bg-white);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-md);
  padding: clamp(24px, 4vw, 38px);
}

.calc-tabs-header {
  display: flex;
  justify-content: center;
  gap: 10px;
  margin-bottom: 24px;
}

.calc-mode-btn {
  padding: 8px 18px;
  border-radius: var(--radius-pill);
  font-size: 0.84rem;
  font-weight: 700;
  border: 1px solid var(--border-light);
  background: var(--bg-surface);
  color: var(--text-secondary);
  cursor: pointer;
  transition: all var(--transition-fast);
}

.calc-mode-btn.active {
  background: var(--bg-obsidian);
  color: var(--text-white);
  border-color: var(--bg-obsidian);
}

.calc-form-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 18px;
  margin-bottom: 24px;
}

.calc-input-group label {
  display: block;
  font-size: 0.8rem;
  font-weight: 700;
  color: var(--text-primary);
  margin-bottom: 6px;
}

.calc-select, .calc-text-input {
  width: 100%;
  padding: 11px 14px;
  border-radius: var(--radius-sm);
  border: 1px solid var(--border-light);
  background: var(--bg-white);
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--text-primary);
  outline: none;
  transition: border-color var(--transition-fast);
}

.calc-select:focus, .calc-text-input:focus {
  border-color: var(--gold-primary);
}

.calc-output-display {
  background: linear-gradient(135deg, #07090E 0%, #151D2C 100%);
  border-radius: var(--radius-md);
  padding: 24px;
  color: var(--text-white);
  text-align: center;
  border: 1px solid var(--border-dark);
}

.calc-output-label {
  font-size: 0.76rem;
  text-transform: uppercase;
  letter-spacing: 0.8px;
  color: var(--text-white-dim);
  font-weight: 600;
}

.calc-output-val {
  font-family: 'Cinzel', serif;
  font-size: clamp(1.7rem, 2.8vw, 2.3rem);
  font-weight: 800;
  color: var(--gold-bright);
  margin: 4px 0;
}

.calc-output-sub {
  font-size: 0.82rem;
  color: var(--text-white-muted);
}

/* ==========================================================================
   FAQ SECTION (MULTILINGUAL SEARCHABLE ACCORDION)
   ========================================================================== */
.faq-section {
  padding: clamp(45px, 6vh, 75px) 0;
  background: var(--bg-white);
}

.faq-search-box {
  max-width: 520px;
  margin: 0 auto 24px;
  position: relative;
}

.faq-search-input {
  width: 100%;
  padding: 12px 18px 12px 44px;
  border-radius: var(--radius-pill);
  border: 1px solid var(--border-light);
  background: var(--bg-surface);
  font-size: 0.92rem;
  color: var(--text-primary);
  outline: none;
  transition: all var(--transition-fast);
  box-shadow: var(--shadow-sm);
}

.faq-search-icon {
  position: absolute;
  top: 50%;
  left: 16px;
  transform: translateY(-50%);
  color: var(--text-tertiary);
  pointer-events: none;
}

.faq-category-pills {
  display: flex;
  justify-content: center;
  gap: 6px;
  flex-wrap: wrap;
  margin-bottom: 30px;
}

.faq-cat-btn {
  padding: 6px 14px;
  border-radius: var(--radius-pill);
  font-size: 0.8rem;
  font-weight: 700;
  background: var(--bg-surface);
  border: 1px solid var(--border-light);
  color: var(--text-secondary);
  cursor: pointer;
  transition: all var(--transition-fast);
}

.faq-cat-btn.active, .faq-cat-btn:hover {
  background: var(--bg-obsidian);
  color: var(--text-white);
  border-color: var(--bg-obsidian);
}

.faq-accordion-wrap {
  max-width: 760px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.faq-item {
  border: 1px solid var(--border-light);
  border-radius: var(--radius-md);
  background: var(--bg-white);
  overflow: hidden;
}

.faq-item.active {
  border-color: var(--gold-border);
  box-shadow: var(--shadow-sm);
}

.faq-question-btn {
  width: 100%;
  padding: 16px 20px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  background: none;
  border: none;
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--text-primary);
  text-align: left;
  cursor: pointer;
  gap: 12px;
}

.faq-toggle-icon {
  font-size: 0.95rem;
  color: var(--gold-deep);
  transition: transform 0.3s ease;
  flex-shrink: 0;
}

.faq-item.active .faq-toggle-icon {
  transform: rotate(180deg);
}

.faq-answer-pane {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.35s ease;
  padding: 0 20px;
}

.faq-item.active .faq-answer-pane {
  max-height: 400px;
  padding-bottom: 18px;
}

.faq-answer-pane p {
  font-size: 0.88rem;
  color: var(--text-secondary);
  line-height: 1.6;
}

/* ==========================================================================
   OUR STORY
   ========================================================================== */
.story-section {
  padding: clamp(45px, 6vh, 75px) 0;
  background: var(--bg-cream);
  border-top: 1px solid var(--border-light);
  border-bottom: 1px solid var(--border-light);
}

.story-grid {
  display: grid;
  grid-template-columns: 0.8fr 1.2fr;
  gap: clamp(24px, 4vw, 44px);
  align-items: center;
}

.story-photo-frame {
  background: var(--bg-white);
  padding: 10px;
  border-radius: var(--radius-lg);
  border: 1px solid var(--gold-border);
  box-shadow: var(--shadow-md);
  max-width: 320px;
  margin: 0 auto;
}

.story-photo-frame img {
  border-radius: var(--radius-sm);
  width: 100%;
}

.founder-signature-box {
  margin-top: 10px;
  text-align: center;
}

.founder-signature-box strong {
  display: block;
  font-family: 'Cinzel', serif;
  font-size: 1.05rem;
  color: var(--text-primary);
}

.founder-signature-box span {
  font-size: 0.76rem;
  color: var(--gold-deep);
  font-weight: 700;
  text-transform: uppercase;
}

.story-text-col h2 {
  font-family: 'Cinzel', serif;
  font-size: clamp(1.8rem, 2.6vw, 2.2rem);
  font-weight: 800;
  margin-bottom: 14px;
}

.story-text-col p {
  font-size: 0.92rem;
  color: var(--text-secondary);
  line-height: 1.65;
  margin-bottom: 12px;
}

/* ==========================================================================
   CONTACT SECTION
   ========================================================================== */
.contact-section {
  padding: clamp(45px, 6vh, 75px) 0;
  background: var(--bg-white);
}

.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: clamp(24px, 4vw, 44px);
}

.contact-info-col h2 {
  font-family: 'Cinzel', serif;
  font-size: clamp(1.8rem, 2.6vw, 2.2rem);
  font-weight: 800;
  margin-bottom: 12px;
}

.contact-info-col p {
  font-size: 0.92rem;
  color: var(--text-secondary);
  margin-bottom: 22px;
  line-height: 1.6;
}

.contact-channels-list {
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.contact-method-card {
  display: flex;
  align-items: center;
  gap: 14px;
  background: var(--bg-surface);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-md);
  padding: 14px 18px;
}

.contact-method-icon {
  width: 38px;
  height: 38px;
  border-radius: 10px;
  background: rgba(242, 169, 0, 0.1);
  border: 1px solid var(--gold-border);
  display: grid;
  place-items: center;
  font-size: 1.15rem;
  color: var(--gold-deep);
  flex-shrink: 0;
}

.contact-method-card small {
  display: block;
  font-size: 0.74rem;
  text-transform: uppercase;
  color: var(--text-tertiary);
  font-weight: 700;
  margin-bottom: 2px;
}

.contact-method-card strong {
  font-size: 0.98rem;
  color: var(--text-primary);
  font-weight: 800;
}

.contact-form-card {
  background: var(--bg-white);
  border: 1px solid var(--border-light);
  border-radius: var(--radius-xl);
  padding: clamp(20px, 3.5vw, 32px);
  box-shadow: var(--shadow-md);
}

.contact-form-card h3 {
  font-family: 'Cinzel', serif;
  font-size: 1.3rem;
  font-weight: 800;
  margin-bottom: 18px;
}

.form-group-field {
  margin-bottom: 14px;
}

.form-group-field label {
  display: block;
  font-size: 0.8rem;
  font-weight: 700;
  margin-bottom: 4px;
  color: var(--text-primary);
}

.form-group-field input, .form-group-field textarea, .form-group-field select {
  width: 100%;
  padding: 10px 13px;
  border: 1px solid var(--border-light);
  border-radius: var(--radius-sm);
  background: var(--bg-surface);
  font-size: 0.9rem;
  color: var(--text-primary);
  outline: none;
}

.form-group-field input:focus, .form-group-field textarea:focus, .form-group-field select:focus {
  background: var(--bg-white);
  border-color: var(--gold-primary);
}

/* ==========================================================================
   FINTECH FOOTER
   ========================================================================== */
.site-footer {
  background: var(--bg-obsidian);
  color: var(--text-white-muted);
  padding: 60px 0 28px;
  border-top: 1px solid var(--border-dark);
}

.footer-top-grid {
  display: grid;
  grid-template-columns: 1.3fr 1fr 1fr 1fr;
  gap: 32px;
  margin-bottom: 36px;
}

.footer-brand-col .brand-link {
  margin-bottom: 12px;
}

.footer-brand-col p {
  font-size: 0.85rem;
  line-height: 1.6;
  color: var(--text-white-dim);
  max-width: 320px;
  margin-bottom: 16px;
}

.footer-col h5 {
  font-family: 'Cinzel', serif;
  font-size: 0.92rem;
  font-weight: 700;
  color: var(--text-white);
  margin-bottom: 14px;
}

.footer-links-list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.footer-links-list a {
  color: var(--text-white-dim);
  font-size: 0.82rem;
  transition: color var(--transition-fast);
}

.footer-links-list a:hover {
  color: var(--gold-bright);
}

.footer-bottom-bar {
  padding-top: 22px;
  border-top: 1px solid var(--border-dark);
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 0.78rem;
  color: var(--text-white-dim);
  flex-wrap: wrap;
  gap: 10px;
}

.footer-legal-inline {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
}

.footer-legal-inline a {
  color: var(--text-white-dim);
}

/* ==========================================================================
   MODAL OVERLAYS
   ========================================================================== */
.modal-overlay {
  position: fixed;
  inset: 0;
  background: rgba(7, 9, 14, 0.75);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
  display: flex;
  align-items: center;
  justify-content: center;
  z-index: 9999;
  opacity: 0;
  visibility: hidden;
  transition: all 0.3s cubic-bezier(0.16, 1, 0.3, 1);
  padding: 16px;
}

.modal-overlay.show {
  opacity: 1;
  visibility: visible;
}

.modal-card {
  background: var(--bg-white);
  border: 1px solid var(--gold-border);
  border-radius: var(--radius-xl);
  padding: 32px 26px;
  max-width: 480px;
  width: 100%;
  position: relative;
  box-shadow: 0 24px 60px -10px rgba(0, 0, 0, 0.45);
  transform: scale(0.94);
  transition: transform 0.3s cubic-bezier(0.16, 1, 0.3, 1);
}

.modal-overlay.show .modal-card {
  transform: scale(1);
}

.modal-close-btn {
  position: absolute;
  top: 14px;
  right: 14px;
  width: 32px;
  height: 32px;
  border-radius: 50%;
  background: var(--bg-surface);
  border: 1px solid var(--border-light);
  display: grid;
  place-items: center;
  font-size: 1.1rem;
  cursor: pointer;
  color: var(--text-secondary);
}

/* ==========================================================================
   ANIMATIONS & SCROLL REVEAL ENGINE
   ========================================================================== */
.reveal-on-scroll {
  opacity: 1 !important;
  transform: none !important;
  visibility: visible !important;
}

.reveal-on-scroll.is-visible {
  opacity: 1 !important;
  transform: none !important;
}

.animate-fade-in {
  animation: fadeIn 0.4s ease-out forwards;
}

@keyframes fadeIn {
  from { opacity: 0; transform: translateY(6px); }
  to { opacity: 1; transform: translateY(0); }
}

/* ==========================================================================
   FLUID RESPONSIVE MEDIA QUERIES (LAPTOP, TABLET & MOBILE)
   ========================================================================== */

/* 1. Laptops, High Zoom & Tablets (Collapse Nav into Hamburger at 1180px) */
@media (max-width: 1180px) {
  .nav-links-desktop {
    display: none !important; /* Seamlessly switch to 3-bars hamburger drawer */
  }

  .three-bars-btn {
    display: flex !important;
  }

  .hero-grid {
    grid-template-columns: 1fr;
    text-align: center;
    gap: 32px;
  }

  .hero-sub-text {
    margin-left: auto;
    margin-right: auto;
  }

  .hero-btn-group {
    justify-content: center;
  }

  .hero-visual-card {
    max-width: 420px;
    margin: 0 auto;
    text-align: left;
  }
}

/* Fluid Auto-Scaling Grid Components */
.hero-stats-row {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: clamp(16px, 3vw, 48px);
  max-width: 960px;
  margin: 0 auto;
  border-top: 1px solid #EAE5DB;
  padding-top: 30px;
}

@media (max-width: 900px) {
  .hero-stats-row {
    grid-template-columns: repeat(2, 1fr) !important;
    gap: 20px 24px !important;
  }
}

@media (max-width: 480px) {
  .hero-stats-row {
    grid-template-columns: repeat(2, 1fr) !important;
    gap: 16px 12px !important;
  }
  .hero-stats-row .stat-item strong {
    font-size: 1.05rem !important;
  }
  .hero-stats-row .stat-item small {
    font-size: 0.72rem !important;
  }
}

.calc-grid-inner {
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  gap: 36px;
  align-items: center;
}

@media (max-width: 860px) {
  .calc-grid-inner {
    grid-template-columns: 1fr !important;
    gap: 28px !important;
  }
}

.how-steps-grid {
  display: flex;
  justify-content: center;
  align-items: center;
  gap: 14px;
  flex-wrap: wrap;
  margin: 40px auto 50px;
  max-width: 980px;
}

@media (max-width: 860px) {
  .how-steps-grid {
    display: grid !important;
    grid-template-columns: repeat(3, 1fr) !important;
    gap: 12px !important;
  }
  .how-arrow {
    display: none !important;
  }
}

@media (max-width: 520px) {
  .how-steps-grid {
    display: grid !important;
    grid-template-columns: repeat(2, 1fr) !important;
    gap: 10px !important;
}

  .biz-showcase-grid {
    grid-template-columns: 1fr;
  }

  .what-features-grid, .workflow-grid, .security-grid {
    grid-template-columns: repeat(2, 1fr);
  }

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

  .footer-top-grid {
    grid-template-columns: 1fr 1fr;
    gap: 24px;
  }
}

/* 3. Mobile Phones (under 640px) */
@media (max-width: 640px) {
  body {
    padding-top: 66px;
  }

  .site-header {
    background: rgba(7, 9, 14, 0.96);
  }

  .nav-bar-inner {
    height: 66px;
    gap: 8px;
  }

  .brand-name {
    font-size: 1.25rem;
  }

  .nav-actions .btn-fintech-secondary {
    display: none; /* In top nav bar only; accessible in 3-bars menu */
  }

  .btn-fintech-primary {
    font-size: 0.78rem;
    padding: 7px 12px;
  }

  .hero-fintech {
    padding: 30px 0 45px;
  }

  .hero-main-title {
    font-size: 2rem;
  }

  .hero-stats-row {
    grid-template-columns: repeat(2, 1fr);
    gap: 16px 12px;
  }

  .stat-item strong {
    font-size: 1rem;
  }

  .stat-item small {
    font-size: 0.65rem;
  }

  .what-features-grid, .workflow-grid, .security-grid, .transparency-grid {
    grid-template-columns: 1fr;
  }

  .rates-board-top {
    flex-direction: column;
    align-items: flex-start;
    gap: 10px;
    padding: 14px 16px;
  }

  .rates-table th, .rates-table td {
    padding: 8px 6px;
    font-size: 0.8rem;
  }
  .rates-table th {
    font-size: 0.7rem;
    letter-spacing: 0.2px;
  }

  .calc-form-grid {
    grid-template-columns: 1fr;
  }

  .calc-tabs-header {
    flex-direction: column;
  }

  .calc-mode-btn {
    width: 100%;
    text-align: center;
  }

  .footer-top-grid {
    grid-template-columns: 1fr;
    gap: 20px;
  }

  .footer-bottom-bar {
    flex-direction: column;
    text-align: center;
    gap: 12px;
  }
}

/* Reduced Motion Support */
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
    scroll-behavior: auto !important;
  }
  .reveal-on-scroll {
    opacity: 1 !important;
    transform: none !important;
  }
}



/* ==========================================================================
   MEROGOLD SOVEREIGN LIGHT & GOLD DESIGN SYSTEM
   Premium Light Glassmorphism • Luxury Financial Technology
   ========================================================================== */
:root {
  /* Sovereign Light & Gold Surfaces */
  --bg-obsidian: #F8F7F3;
  --bg-dark-card: #FFFFFF;
  --bg-dark-card-hover: #FCFBF8;
  --bg-dark-elevated: #FAF8F2;
  --border-dark: rgba(201, 162, 39, 0.18);
  --border-dark-hover: rgba(201, 162, 39, 0.35);

  /* Light Canvas & Surfaces */
  --bg-white: #FFFFFF;
  --bg-cream: #FCFBF8;
  --bg-surface: #FFFFFF;
  --bg-surface-alt: #F8F7F3;
  --border-light: rgba(0, 0, 0, 0.06);
  --border-light-hover: rgba(201, 162, 39, 0.28);

  /* Typography Colors */
  --text-primary: #1C1C1C;
  --text-secondary: #333333;
  --text-tertiary: #666666;
  --text-white: #1C1C1C;
  --text-white-muted: #333333;
  --text-white-dim: #666666;

  /* MeroGold Sovereign Gold Palette */
  --gold-primary: #C9A227;
  --gold-accent: #D4AF37;
  --gold-bright: #D4AF37;
  --gold-deep: #B8860B;
  --gold-burnished: #9A6E04;
  --gold-light: #F4E7B5;
  --gold-muted: #FAF4DD;
  --gold-gradient: linear-gradient(135deg, #D4AF37 0%, #C9A227 50%, #B8860B 100%);
  --gold-gradient-soft: linear-gradient(135deg, rgba(212, 175, 55, 0.14) 0%, rgba(201, 162, 39, 0.03) 100%);
  --gold-glow: 0 8px 24px -4px rgba(201, 162, 39, 0.22);
  --gold-glow-lg: 0 16px 40px -8px rgba(201, 162, 39, 0.32);
  --gold-border: rgba(201, 162, 39, 0.24);
}

body {
  background-color: #F8F7F3 !important;
  color: #1C1C1C !important;
}

/* Header (Luminous Glassmorphism) */
.site-header {
  background: rgba(255, 255, 255, 0.95) !important;
  border-bottom: 1px solid rgba(212, 175, 55, 0.25) !important;
  box-shadow: 0 4px 25px rgba(15, 23, 42, 0.04) !important;
}

.site-header.scrolled {
  background: rgba(255, 255, 255, 0.98) !important;
  border-bottom-color: rgba(212, 175, 55, 0.45) !important;
  box-shadow: 0 8px 30px rgba(15, 23, 42, 0.08) !important;
}

.brand-symbol {
  background: linear-gradient(135deg, #FFFDF8 0%, #F5EFEB 100%) !important;
  border: 1px solid rgba(212, 175, 55, 0.45) !important;
  box-shadow: 0 4px 14px rgba(212, 175, 55, 0.18) !important;
}

.brand-name {
  color: #0F172A !important;
}

.nav-links-desktop a {
  color: #334155 !important;
}

.nav-links-desktop a:hover,
.nav-links-desktop a.active {
  color: #B8860B !important;
}

/* Navigation Dropdown Menus */
.nav-item { position: relative; display: flex; align-items: center; }
.nav-item > a { padding: 24px 0; display: block; }
.dropdown-menu {
  position: absolute; top: 100%; left: 0; 
  background: #FFFFFF !important;
  border: 1px solid rgba(212, 175, 55, 0.3) !important; 
  border-radius: 12px !important;
  box-shadow: 0 16px 40px rgba(15, 23, 42, 0.10), 0 0 20px rgba(212, 175, 55, 0.08) !important; 
  min-width: 220px; padding: 10px 0;
  opacity: 0; visibility: hidden; transform: translateY(10px); transition: all 0.2s ease; z-index: 1002;
}
.nav-item:hover .dropdown-menu { opacity: 1; visibility: visible; transform: translateY(0); }
.dropdown-menu a { 
  display: block; padding: 10px 20px !important; color: #334155 !important; font-size: 0.88rem !important; font-weight: 600 !important; 
  transition: all 0.18s ease;
}
.dropdown-menu a:hover { 
  background: rgba(242, 169, 0, 0.10) !important; color: #B8860B !important; padding-left: 24px !important; 
}

/* Mobile Slide Drawer */
.mobile-drawer {
  background: #FFFFFF !important;
  border-left: 1px solid rgba(212, 175, 55, 0.25) !important;
  color: #0F172A !important;
}
.drawer-nav-item {
  color: #334155 !important;
  border-bottom: 1px solid #F1ECE4 !important;
}
.drawer-nav-item:hover {
  color: #B8860B !important;
}

/* Hero Section */
.hero-fintech {
  background: radial-gradient(circle at 50% 8%, rgba(212, 175, 55, 0.16), transparent 55%),
              radial-gradient(circle at 90% 70%, rgba(245, 158, 11, 0.08), transparent 45%),
              #FAF8F5 !important;
  border-bottom: 1px solid #EAE5DB !important;
  color: #0F172A !important;
}

.hero-main-title {
  color: #0F172A !important;
}

.hero-sub-text {
  color: #475569 !important;
}

.stat-item small {
  color: #64748B !important;
}

.stat-item strong {
  color: #0F172A !important;
}

.hero-visual-card {
  background: #FFFFFF !important;
  border: 1px solid rgba(212, 175, 55, 0.35) !important;
  box-shadow: 0 20px 45px -10px rgba(15, 23, 42, 0.08), 0 0 30px rgba(212, 175, 55, 0.12) !important;
}

.hero-card-header {
  border-bottom: 1px solid #F1ECE4 !important;
}

.vault-value-amount {
  color: #0F172A !important;
}

.vault-holdings-split {
  color: #B8860B !important;
}

.mini-rate-card {
  background: #F9F8F5 !important;
  border: 1px solid #EAE5DB !important;
}

.mini-rate-price {
  color: #0F172A !important;
}

.btn-mini-sell {
  background: #FFFFFF !important;
  border: 1px solid #CBD5E1 !important;
  color: #334155 !important;
}
.btn-mini-sell:hover {
  background: #F1F5F9 !important;
}

/* Buttons */
.btn-fintech-primary {
  background: var(--gold-gradient) !important;
  color: #1E1B18 !important;
  box-shadow: 0 6px 20px rgba(197, 155, 39, 0.3) !important;
}
.btn-fintech-primary:hover {
  box-shadow: 0 10px 28px rgba(197, 155, 39, 0.45) !important;
  color: #000000 !important;
}

.btn-fintech-secondary {
  background: #FFFFFF !important;
  border: 1px solid #CBD5E1 !important;
  color: #0F172A !important;
  box-shadow: 0 2px 6px rgba(0,0,0,0.04) !important;
}
.btn-fintech-secondary:hover {
  background: #F8FAFC !important;
  border-color: #94A3B8 !important;
  color: #000000 !important;
}

.btn-fintech-gold-outline {
  background: #FFFFFF !important;
  color: #9A6E04 !important;
  border: 1.5px solid rgba(212, 175, 55, 0.5) !important;
  box-shadow: 0 2px 8px rgba(212, 175, 55, 0.1) !important;
}
.btn-fintech-gold-outline:hover {
  background: rgba(212, 175, 55, 0.1) !important;
  border-color: #C59B27 !important;
  color: #7C5600 !important;
}

/* Typography & Headings */
.section-title.dark {
  color: #0F172A !important;
}

.section-desc.dark {
  color: #475569 !important;
}

.section-tag.dark {
  background: rgba(212, 175, 55, 0.12) !important;
  color: #9A6E04 !important;
  border: 1px solid rgba(212, 175, 55, 0.3) !important;
}

/* Cards & Layout */
.bg-obsidian {
  background: #FAF9F5 !important;
}

.fintech-card, .light-gold-card {
  background: #FFFFFF !important;
  border: 1px solid rgba(212, 175, 55, 0.28) !important;
  border-radius: 16px !important;
  box-shadow: 0 10px 30px -5px rgba(15, 23, 42, 0.05), 0 0 15px rgba(212, 175, 55, 0.05) !important;
  padding: 28px !important;
  transition: all 0.3s ease !important;
}
.fintech-card:hover, .light-gold-card:hover {
  transform: translateY(-3px) !important;
  box-shadow: 0 16px 36px -5px rgba(15, 23, 42, 0.09), 0 0 20px rgba(212, 175, 55, 0.12) !important;
  border-color: rgba(212, 175, 55, 0.5) !important;
}

/* Rates Board */
.rates-section {
  background: #F8F6F0 !important;
  border-bottom: 1px solid #EAE5DB !important;
}
.rates-board-container {
  background: #FFFFFF !important;
  border: 1px solid rgba(212, 175, 55, 0.3) !important;
  box-shadow: 0 16px 40px -10px rgba(15, 23, 42, 0.08), 0 0 25px rgba(212, 175, 55, 0.08) !important;
}
.rates-board-top {
  border-bottom: 1px solid #F1ECE4 !important;
}
.rates-table th {
  background: #F8F6F0 !important;
  color: #475569 !important;
}
.rates-table td {
  border-bottom: 1px solid #F1ECE4 !important;
}
.live-chart-section {
  background: #FFFFFF !important;
  border-top: 1px solid #F1ECE4 !important;
}
.chart-asset-btn.active {
  background: var(--gold-gradient) !important;
  color: #1E1B18 !important;
}
.chart-type-btn.active {
  background: #F1ECE4 !important;
  color: #0F172A !important;
}

/* Network Member Cards */
.member-card {
  background: #FFFFFF !important;
  border: 1px solid rgba(212, 175, 55, 0.28) !important;
  border-radius: 16px !important;
  padding: 24px !important;
  box-shadow: 0 10px 25px rgba(15, 23, 42, 0.04) !important;
  display: flex !important;
  flex-direction: column !important;
  justify-content: space-between !important;
  transition: all 0.25s ease !important;
}
.member-card:hover {
  transform: translateY(-3px) !important;
  box-shadow: 0 16px 36px rgba(15, 23, 42, 0.08), 0 0 20px rgba(212, 175, 55, 0.12) !important;
  border-color: rgba(212, 175, 55, 0.6) !important;
}
.type-chip {
  display: inline-block !important;
  font-size: 11px !important;
  font-weight: 800 !important;
  text-transform: uppercase !important;
  letter-spacing: 0.5px !important;
  padding: 3px 10px !important;
  border-radius: 9999px !important;
  margin-bottom: 8px !important;
}
.type-distributor {
  background: rgba(212, 175, 55, 0.15) !important;
  color: #9A6E04 !important;
  border: 1px solid rgba(212, 175, 55, 0.35) !important;
}
.type-partner {
  background: #E0E7FF !important;
  color: #4338CA !important;
  border: 1px solid #C7D2FE !important;
}
.verified-icon {
  display: inline-flex !important;
  align-items: center !important;
  justify-content: center !important;
  width: 18px !important;
  height: 18px !important;
  background: #16A34A !important;
  color: #FFF !important;
  border-radius: 50% !important;
  font-size: 11px !important;
  margin-left: 6px !important;
}
.service-tags {
  display: flex !important;
  flex-wrap: wrap !important;
  gap: 6px !important;
  margin-top: 12px !important;
}
.service-tag {
  background: #F8F6F0 !important;
  border: 1px solid #EAE5DB !important;
  color: #475569 !important;
  font-size: 11px !important;
  font-weight: 600 !important;
  padding: 3px 8px !important;
  border-radius: 6px !important;
}
.card-actions {
  display: flex !important;
  gap: 10px !important;
  margin-top: 18px !important;
  padding-top: 14px !important;
  border-top: 1px solid #F1ECE4 !important;
}
.btn-verify {
  flex: 1 !important;
  text-align: center !important;
  padding: 8px 12px !important;
  background: #F8F6F0 !important;
  border: 1px solid #E2D9CC !important;
  color: #0F172A !important;
  font-weight: 700 !important;
  font-size: 12px !important;
  border-radius: 8px !important;
  text-decoration: none !important;
  transition: all 0.2s ease !important;
}
.btn-verify:hover {
  background: #EFEBE0 !important;
  border-color: #C59B27 !important;
}
.btn-call {
  padding: 8px 14px !important;
  background: rgba(22, 163, 74, 0.1) !important;
  border: 1px solid rgba(22, 163, 74, 0.25) !important;
  color: #15803D !important;
  font-weight: 700 !important;
  font-size: 12px !important;
  border-radius: 8px !important;
  text-decoration: none !important;
}
.btn-call:hover {
  background: rgba(22, 163, 74, 0.2) !important;
}

/* Digital Network Card in Verification */
.digital-network-card {
  background: linear-gradient(135deg, #FFFFFF 0%, #FAF8F5 100%) !important;
  border: 2px solid rgba(212, 175, 55, 0.6) !important;
  border-radius: 20px !important;
  padding: 32px 24px !important;
  box-shadow: 0 20px 50px -10px rgba(15, 23, 42, 0.12), 0 0 35px rgba(212, 175, 55, 0.18) !important;
  text-align: center !important;
  max-width: 440px !important;
  margin: 0 auto !important;
}
.dnc-title {
  font-family: 'Cinzel', serif !important;
  font-size: 15px !important;
  font-weight: 800 !important;
  color: #C59B27 !important;
  letter-spacing: 2px !important;
  margin-bottom: 4px !important;
}
.dnc-type {
  font-size: 11px !important;
  font-weight: 800 !important;
  color: #64748B !important;
  text-transform: uppercase !important;
  letter-spacing: 1.5px !important;
  margin-bottom: 12px !important;
}
.dnc-name {
  font-size: 22px !important;
  font-weight: 800 !important;
  color: #0F172A !important;
  margin-bottom: 6px !important;
}
.dnc-id {
  font-family: monospace !important;
  font-size: 13px !important;
  font-weight: 800 !important;
  color: #B8860B !important;
  background: rgba(212, 175, 55, 0.12) !important;
  padding: 4px 12px !important;
  border-radius: 9999px !important;
  display: inline-block !important;
  margin-bottom: 16px !important;
}
.dnc-qr {
  display: inline-block !important;
  padding: 12px !important;
  background: #FFFFFF !important;
  border-radius: 12px !important;
  box-shadow: 0 4px 16px rgba(0,0,0,0.06) !important;
  border: 1px solid #EAE5DB !important;
}

/* Footer */
.site-footer {
  background: #F7F5EE !important;
  border-top: 1px solid #E6E1D6 !important;
  color: #334155 !important;
}
.site-footer h4, .site-footer h5 {
  color: #0F172A !important;
}
.site-footer a {
  color: #475569 !important;
}
.site-footer a:hover {
  color: #B8860B !important;
}


/* ==========================================================================
   MOBILE RESPONSIVENESS & CLEAN TABLE LAYOUT
   Eliminates all horizontal overflow on mobile screens
   ========================================================================== */
@media (max-width: 768px) {
  .rates-table {
    min-width: 100% !important;
  }
  .rates-table th, .rates-table td {
    padding: 10px 8px !important;
    font-size: 0.82rem !important;
  }
  .rates-board-top {
    flex-direction: column !important;
    align-items: stretch !important;
    gap: 12px !important;
  }
  .rates-controls-row {
    justify-content: space-between !important;
    width: 100% !important;
  }
  #pane-smart-saver > div > div, #pane-wealth-vault > div > div {
    grid-template-columns: 1fr !important;
    gap: 24px !important;
  }
}

@media (max-width: 540px) {
  .rates-table th:nth-child(5), .rates-table td:nth-child(5) {
    display: none !important; /* Hide status badge on micro screens to eliminate horizontal scroll */
  }
  .rates-table th, .rates-table td {
    padding: 8px 6px !important;
    font-size: 0.78rem !important;
  }
}

/* ==========================================================================
   INTERNATIONALIZATION & RTL SUPPORT (Arabic 'ar', Urdu 'ur')
   ========================================================================== */
html[dir="rtl"] {
  direction: rtl;
  text-align: right;
}

body.lang-ar, html[lang="ar"] body {
  font-family: 'Noto Sans Arabic', 'Segoe UI', Tahoma, Arial, sans-serif !important;
}

body.lang-ur, html[lang="ur"] body {
  font-family: 'Noto Nastaliq Urdu', 'Noto Sans Arabic', 'Segoe UI', Tahoma, Arial, sans-serif !important;
}

body.lang-hi, body.lang-ne, html[lang="hi"] body, html[lang="ne"] body {
  font-family: 'Mukta', 'Inter', -apple-system, sans-serif !important;
}

html[dir="rtl"] .lang-dropdown-menu {
  right: auto;
  left: 0;
}

html[dir="rtl"] .mobile-drawer {
  right: auto;
  left: -100%;
  border-left: none;
  border-right: 1px solid rgba(212, 175, 55, 0.25) !important;
  box-shadow: 15px 0 45px rgba(15, 23, 42, 0.18) !important;
}

html[dir="rtl"] .mobile-drawer.open,
html[dir="rtl"] .mobile-drawer.active {
  right: auto;
  left: 0;
}

html[dir="rtl"] .dropdown-menu {
  left: auto;
  right: 0;
}

/* Drawer Language Grid */
.drawer-lang-section {
  padding: 14px 0;
  border-bottom: 1px solid #EAE5DB;
  margin-bottom: 16px;
}

.drawer-lang-title {
  font-size: 0.72rem;
  font-weight: 800;
  text-transform: uppercase;
  color: #64748B;
  letter-spacing: 0.5px;
  margin-bottom: 8px;
}

.drawer-lang-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 6px;
}

.drawer-lang-btn {
  padding: 8px 10px;
  border-radius: 8px;
  border: 1px solid rgba(212, 175, 55, 0.25);
  background: rgba(212, 175, 55, 0.06);
  color: #334155;
  font-size: 0.8rem;
  font-weight: 600;
  cursor: pointer;
  transition: all 0.15s ease;
  text-align: center;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 4px;
}

.drawer-lang-btn:hover {
  background: rgba(212, 175, 55, 0.14);
  color: #9A6E04;
  border-color: rgba(212, 175, 55, 0.4);
}

.drawer-lang-btn.active {
  background: var(--gold-gradient) !important;
  color: #1E1B18 !important;
  font-weight: 800 !important;
  border-color: transparent !important;
  box-shadow: 0 2px 8px rgba(212, 175, 55, 0.35);
}

/* Tablet & Split Screen Nav Action Compacting (<= 860px) */
@media (max-width: 860px) {
  .nav-actions .btn-fintech-secondary {
    display: none !important; /* Retain only in 3-bars drawer for extra space */
  }
}

/* Mobile Screen Fluid Header & Horizontal Overflow Safeguard */
@media (max-width: 640px) {
  html, body {
    max-width: 100vw;
    overflow-x: hidden !important;
  }

  .nav-bar-inner {
    padding: 0 12px !important;
    gap: 6px !important;
  }

  .nav-actions {
    display: flex;
    align-items: center;
    gap: 6px !important;
  }

  .nav-actions .btn-fintech-secondary {
    display: none !important;
  }

  .nav-actions .btn-fintech-primary {
    padding: 7px 11px !important;
    font-size: 0.78rem !important;
    white-space: nowrap !important;
  }

  .lang-toggle-btn {
    padding: 6px 9px !important;
    font-size: 0.78rem !important;
    gap: 4px !important;
  }

  .three-bars-btn {
    width: 36px !important;
    height: 36px !important;
    padding: 5px !important;
    flex-shrink: 0 !important;
  }
}

@media (max-width: 380px) {
  .brand-name {
    font-size: 1.1rem !important;
  }

  .brand-symbol {
    width: 28px !important;
    height: 28px !important;
  }

  .brand-logo-img {
    width: 18px !important;
    height: 18px !important;
  }

  .nav-actions .btn-fintech-primary {
    padding: 6px 8px !important;
    font-size: 0.74rem !important;
  }

  .lang-toggle-btn span#current-lang-label {
    display: inline-block;
    max-width: 44px;
    overflow: hidden;
    text-overflow: ellipsis;
    white-space: nowrap;
  }
}