:root {
  --primary-navy: #0b1f33;
  --primary-blue: #1e40af;
  --secondary-gray: #4b5563;
  --light-gray: #f3f4f6;
  --white: #ffffff;
  --dark-text: #111827;
  --success-green: #0f766e;
  --warning-orange: #b45309;
  --accent-gold: #c08417;
  --brand-teal: #0d9488;
  --border-color: #e5e7eb;
  --shadow: 0 4px 6px -1px rgba(0, 0, 0, 0.1);
  --shadow-lg: 0 12px 18px -6px rgba(0, 0, 0, 0.15);
  --transition: all 0.25s ease;
  --border-radius: 10px;
  --font-primary: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
  --h1-size: clamp(2rem, 4vw + 1rem, 3rem);
  --h2-size: clamp(1.75rem, 3vw + 1rem, 2.5rem);
  --h3-size: clamp(1.35rem, 2vw + 1rem, 1.75rem);
  --h4-size: 1.25rem;
}

/* Reset and Base Styles */
* {
  margin: 0;
  padding: 0;
  box-sizing: border-box;
}

body {
  font-family: var(--font-primary);
  line-height: 1.7;
  color: var(--dark-text);
  background-color: var(--white);
  text-rendering: optimizeLegibility;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

/* Accessibility - Reduced Motion Support */
@media (prefers-reduced-motion: reduce) {
  * {
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.01ms !important;
  }
}

h1, h2, h3, h4, h5, h6 {
  font-weight: 700;
  line-height: 1.15;
  margin-bottom: 1rem;
  color: var(--primary-navy);
}

h1 { font-size: var(--h1-size); }
h2 { font-size: var(--h2-size); }
h3 { font-size: var(--h3-size); }
h4 { font-size: var(--h4-size); }

p {
  margin-bottom: 1rem;
  color: var(--secondary-gray);
}

/* Navigation Styles */
.navbar {
  background-color: var(--white) !important;
  box-shadow: var(--shadow);
  padding: 1rem 0;
  transition: var(--transition);
  will-change: transform, box-shadow, background-color;
}

.navbar-brand {
  font-weight: 700;
  font-size: 1.5rem;
  color: var(--primary-navy) !important;
}

.navbar-nav .nav-link {
  color: var(--dark-text) !important;
  font-weight: 600;
  padding: 0.5rem 1rem !important;
  transition: var(--transition);
}

.navbar-nav .nav-link:hover {
  color: var(--brand-teal) !important;
}

.navbar-scrolled {
  box-shadow: var(--shadow-lg);
  background-color: rgba(255, 255, 255, 0.95) !important;
  backdrop-filter: saturate(180%) blur(6px);
}

/* Hero Section */
.hero-section {
  background: linear-gradient(135deg, var(--primary-navy) 0%, var(--brand-teal) 100%);
  color: var(--white);
  padding: 6rem 0;
  min-height: 70vh;
  display: flex;
  align-items: center;
  position: relative;
  overflow: hidden;
}

.hero-section::after {
  content: "";
  position: absolute;
  inset: 0;
  background: radial-gradient(1200px 400px at 80% 20%, rgba(255, 255, 255, 0.08), transparent 40%),
              radial-gradient(800px 300px at 20% 80%, rgba(255, 255, 255, 0.06), transparent 40%);
  pointer-events: none;
}

.hero-animate {
  animation: gradientShift 8s ease-in-out infinite alternate;
}

@keyframes gradientShift {
  0% { background-position: 0% 0%; }
  100% { background-position: 100% 100%; }
}

.hero-content h1 {
  color: var(--white);
  font-size: var(--h1-size);
  margin-bottom: 1.5rem;
}

.hero-content p {
  color: rgba(255, 255, 255, 0.95);
  font-size: 1.125rem;
  margin-bottom: 2rem;
}

/* Buttons */
.btn-primary {
  background-color: var(--primary-blue);
  border-color: var(--primary-blue);
  padding: 0.75rem 2rem;
  font-weight: 600;
  border-radius: var(--border-radius);
  transition: var(--transition);
}

.btn-primary:hover {
  background-color: var(--brand-teal);
  border-color: var(--brand-teal);
  transform: translateY(-2px);
  box-shadow: var(--shadow-lg);
}

.btn-outline-primary {
  color: var(--primary-blue);
  border-color: var(--primary-blue);
  padding: 0.75rem 2rem;
  font-weight: 600;
  border-radius: var(--border-radius);
  transition: var(--transition);
}

.btn-outline-primary:hover {
  background-color: var(--primary-blue);
  border-color: var(--primary-blue);
  transform: translateY(-2px);
  color: var(--white);
}

/* Cards */
.card {
  border: none;
  border-radius: var(--border-radius);
  box-shadow: var(--shadow);
  transition: var(--transition);
  height: 100%;
}

.card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-lg);
}

.card-header {
  background-color: var(--light-gray);
  border-bottom: 1px solid var(--border-color);
  font-weight: 600;
}

/* Service Cards */
.service-card {
  text-align: center;
  padding: 2rem;
}

.service-icon {
  width: 80px;
  height: 80px;
  background-color: var(--primary-blue);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 1.5rem;
  color: var(--white);
  font-size: 2rem;
}

.category-finance .service-icon { background-color: var(--brand-teal); }
.category-insurance .service-icon { background-color: var(--primary-blue); }
.category-mortgage .service-icon { background-color: var(--primary-navy); }
.category-loan .service-icon { background-color: var(--accent-gold); color: #111827; }
.category-realestate .service-icon { background-color: #374151; }

/* Forms */
.form-control {
  border: 2px solid var(--border-color);
  border-radius: var(--border-radius);
  padding: 0.75rem;
  transition: var(--transition);
}

.form-control:focus {
  border-color: var(--brand-teal);
  box-shadow: 0 0 0 0.2rem rgba(13, 148, 136, 0.25);
}

.form-label {
  font-weight: 600;
  color: var(--dark-text);
  margin-bottom: 0.5rem;
}

/* Footer */
.footer {
  background-color: var(--primary-navy);
  color: var(--white);
  padding: 3rem 0 1rem;
}

.footer h5 {
  color: var(--white);
  margin-bottom: 1rem;
}

.footer a {
  color: rgba(255, 255, 255, 0.85);
  text-decoration: none;
  transition: var(--transition);
}

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

/* Utility Classes */
.section-padding {
  padding: 5rem 0;
}

.text-primary-custom {
  color: var(--brand-teal) !important;
}

.bg-light-custom {
  background-color: var(--light-gray) !important;
}

.badge-accent {
  background-color: var(--accent-gold);
  color: #111827;
}

.skip-link {
  position: absolute;
  top: -40px;
  left: 0;
  background: var(--white);
  color: var(--primary-navy);
  padding: 8px 16px;
  border-radius: 0 0 8px 0;
  box-shadow: var(--shadow);
  z-index: 10000;
}
.skip-link:focus {
  top: 0;
}

/* Responsive Design */
@media (max-width: 768px) {
  .hero-content h1 {
    font-size: clamp(1.75rem, 5vw, 2rem);
  }
  
  .hero-content p {
    font-size: 1rem;
  }
  
  h1 { font-size: clamp(1.75rem, 5vw, 2rem); }
  h2 { font-size: clamp(1.5rem, 4vw, 1.75rem); }
  h3 { font-size: 1.25rem; }
}

/* Focus Styles for Accessibility */
.btn:focus,
.form-control:focus,
.nav-link:focus {
  outline: 2px solid var(--brand-teal);
  outline-offset: 2px;
}

/* Loading Animation */
.loading {
  opacity: 0;
  animation: fadeIn 0.5s ease-in-out forwards;
}

@keyframes fadeIn {
  to {
    opacity: 1;
  }
}

.fade-slide-up {
  opacity: 0;
  transform: translateY(8px);
  animation: fadeSlideUp 0.45s ease-out forwards;
}
@keyframes fadeSlideUp {
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

/* Smooth Scrolling */
html {
  scroll-behavior: smooth;
}

/* Custom Scrollbar */
::-webkit-scrollbar {
  width: 8px;
}

::-webkit-scrollbar-track {
  background: var(--light-gray);
}

::-webkit-scrollbar-thumb {
  background: var(--primary-blue);
  border-radius: 4px;
}

::-webkit-scrollbar-thumb:hover {
  background: var(--primary-navy);
}

@media (prefers-color-scheme: dark) {
  :root {
    --white: #0b1f33;
    --light-gray: #0f172a;
    --dark-text: #f8fafc;
    --secondary-gray: #cbd5e1;
    --border-color: #334155;
  }
}

html[data-theme="dark"] {
  color-scheme: dark;
}

html[data-theme="dark"] body {
  color: var(--dark-text);
  background-color: var(--white);
}

html[data-theme="dark"] .navbar {
  background-color: rgba(17, 24, 39, 0.95) !important;
}

html[data-theme="dark"] .navbar-scrolled {
  background-color: rgba(17, 24, 39, 0.95) !important;
}

html[data-theme="dark"] .navbar-brand {
  color: #f8fafc !important;
}

html[data-theme="dark"] .navbar-nav .nav-link {
  color: #e5e7eb !important;
}

html[data-theme="dark"] .navbar-nav .nav-link:hover {
  color: var(--brand-teal) !important;
}

html[data-theme="dark"] .card-header {
  background-color: #0f172a;
  border-bottom: 1px solid var(--border-color);
}

html[data-theme="dark"] .bg-light-custom {
  background-color: #0f172a !important;
}

html[data-theme="dark"] .skip-link {
  background: #1f2937;
  color: #f9fafb;
}

html[data-theme="dark"] .footer {
  background-color: #0b1f33;
  color: var(--white);
}

html[data-theme="dark"] .partner-logo {
  background-color: #0f172a !important;
}