/* ===========================================
   Kroesen Groups — Global Styles
   =========================================== */
@import url('https://fonts.googleapis.com/css2?family=Inter:wght@400;500;600;700;800&display=swap');

:root {
  --primary: #0A2463;
  --primary-light: #1B3A8C;
  --primary-dark: #071A4A;
  --secondary: #FF6B35;
  --secondary-light: #FF8F66;
  --secondary-dark: #E55A25;
  --gray-50: #F8FAFC;
  --gray-100: #F1F5F9;
  --gray-200: #E2E8F0;
  --gray-300: #CBD5E1;
  --gray-400: #94A3B8;
  --gray-500: #64748B;
  --gray-600: #475569;
  --gray-700: #334155;
  --gray-800: #1E293B;
  --gray-900: #0F172A;
  --white: #FFFFFF;
  --success: #10B981;
  --error: #EF4444;
  --warning: #F59E0B;
  --radius: 12px;
  --shadow-sm: 0 1px 2px rgba(0,0,0,0.05);
  --shadow: 0 4px 6px -1px rgba(0,0,0,0.1), 0 2px 4px -2px rgba(0,0,0,0.1);
  --shadow-lg: 0 10px 15px -3px rgba(0,0,0,0.1), 0 4px 6px -4px rgba(0,0,0,0.1);
  --shadow-xl: 0 20px 25px -5px rgba(0,0,0,0.1), 0 8px 10px -6px rgba(0,0,0,0.1);
  --transition: 0.3s ease;
}

/* Reset */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: 'Inter', sans-serif;
  color: var(--gray-800);
  background: var(--gray-50);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}
a { text-decoration: none; color: inherit; }
ul { list-style: none; }
img { max-width: 100%; display: block; }
button { cursor: pointer; border: none; font-family: inherit; }
input, select, textarea { font-family: inherit; }

/* ---- Regulatory Banner ---- */
.regulatory-banner {
  background: var(--primary-dark);
  color: rgba(255,255,255,0.85);
  text-align: center;
  padding: 8px 16px;
  font-size: 0.75rem;
  line-height: 1.4;
}
.regulatory-banner a { color: var(--secondary-light); text-decoration: underline; }

/* ---- Container ---- */
.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 20px;
}

/* ---- Navbar ---- */
.navbar {
  background: var(--white);
  box-shadow: var(--shadow-sm);
  position: sticky;
  top: 0;
  z-index: 1000;
  transition: box-shadow var(--transition);
}
.navbar.scrolled { box-shadow: var(--shadow); }
.navbar .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 72px;
}
.navbar-logo {
  font-size: 1.5rem;
  font-weight: 800;
  color: var(--primary);
}
.navbar-logo span { color: var(--secondary); }
.navbar-links {
  display: flex;
  align-items: center;
  gap: 28px;
}
.navbar-links a {
  font-size: 0.95rem;
  font-weight: 500;
  color: var(--gray-600);
  transition: color var(--transition);
  position: relative;
}
.navbar-links a:hover,
.navbar-links a.active { color: var(--primary); }
.navbar-links a.active::after {
  content: '';
  position: absolute;
  bottom: -4px;
  left: 0; right: 0;
  height: 2px;
  background: var(--secondary);
  border-radius: 2px;
}
.btn-cta {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--secondary);
  color: var(--white);
  padding: 10px 24px;
  border-radius: 8px;
  font-weight: 600;
  font-size: 0.95rem;
  transition: background var(--transition), transform var(--transition);
}
.btn-cta:hover {
  background: var(--secondary-dark);
  transform: translateY(-1px);
}
.btn-cta-outline {
  background: transparent;
  color: var(--secondary);
  border: 2px solid var(--secondary);
}
.btn-cta-outline:hover {
  background: var(--secondary);
  color: var(--white);
}

/* Burger */
.burger {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  padding: 4px;
}
.burger span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--gray-700);
  border-radius: 2px;
  transition: var(--transition);
}
.burger.active span:nth-child(1) { transform: rotate(45deg) translate(5px,5px); }
.burger.active span:nth-child(2) { opacity: 0; }
.burger.active span:nth-child(3) { transform: rotate(-45deg) translate(5px,-5px); }

/* ---- Hero ---- */
.hero {
  background: linear-gradient(135deg, var(--primary) 0%, var(--primary-light) 100%);
  color: var(--white);
  padding: 80px 0 60px;
  position: relative;
  overflow: hidden;
}
.hero::after {
  content: '';
  position: absolute;
  top: -50%; right: -20%;
  width: 600px; height: 600px;
  background: rgba(255,255,255,0.03);
  border-radius: 50%;
}
.hero-content { position: relative; z-index: 1; }
.hero h1 {
  font-size: 2.8rem;
  font-weight: 800;
  line-height: 1.2;
  margin-bottom: 16px;
}
.hero h1 span { color: var(--secondary); }
.hero .subtitle {
  font-size: 1.15rem;
  color: rgba(255,255,255,0.8);
  margin-bottom: 12px;
  max-width: 600px;
}
.hero .apr-example {
  font-size: 0.85rem;
  color: rgba(255,255,255,0.6);
  margin-bottom: 32px;
}
.hero-features {
  display: flex;
  gap: 32px;
  margin-top: 40px;
}
.hero-feature {
  display: flex;
  align-items: center;
  gap: 12px;
}
.hero-feature-icon {
  width: 48px; height: 48px;
  background: rgba(255,255,255,0.1);
  border-radius: 12px;
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}
.hero-feature-icon svg { width: 24px; height: 24px; fill: var(--secondary); }
.hero-feature-text h4 { font-size: 0.95rem; font-weight: 600; }
.hero-feature-text p { font-size: 0.8rem; color: rgba(255,255,255,0.7); }

/* ---- Section ---- */
.section { padding: 80px 0; }
.section-alt { background: var(--white); }
.section-title {
  text-align: center;
  margin-bottom: 48px;
}
.section-title h2 {
  font-size: 2rem;
  font-weight: 700;
  color: var(--gray-900);
  margin-bottom: 12px;
}
.section-title p {
  font-size: 1.05rem;
  color: var(--gray-500);
  max-width: 600px;
  margin: 0 auto;
}

/* ---- Cards ---- */
.card {
  background: var(--white);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 32px;
  transition: transform var(--transition), box-shadow var(--transition);
}
.card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-lg);
}

/* ---- Steps (How it works) ---- */
.steps-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}
.step-card { text-align: center; }
.step-number {
  width: 56px; height: 56px;
  background: var(--primary);
  color: var(--white);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.4rem;
  font-weight: 700;
  margin: 0 auto 16px;
}
.step-card h3 {
  font-size: 1.1rem;
  font-weight: 600;
  margin-bottom: 8px;
  color: var(--gray-800);
}
.step-card p {
  font-size: 0.9rem;
  color: var(--gray-500);
}

/* ---- Advantages Grid ---- */
.advantages-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.advantage-icon {
  width: 56px; height: 56px;
  background: rgba(10,36,99,0.08);
  border-radius: 12px;
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 16px;
}
.advantage-icon svg { width: 28px; height: 28px; fill: var(--primary); }
.card h3 {
  font-size: 1.1rem;
  font-weight: 600;
  margin-bottom: 8px;
}
.card p { font-size: 0.9rem; color: var(--gray-500); line-height: 1.6; }

/* ---- Testimonials ---- */
.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.testimonial-card {
  background: var(--white);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 28px;
}
.testimonial-stars { color: var(--warning); margin-bottom: 12px; font-size: 1.1rem; }
.testimonial-text {
  font-size: 0.95rem;
  color: var(--gray-600);
  line-height: 1.7;
  margin-bottom: 16px;
  font-style: italic;
}
.testimonial-author { font-weight: 600; font-size: 0.9rem; color: var(--gray-800); }

/* ---- CTA Section ---- */
.cta-section {
  background: linear-gradient(135deg, var(--primary) 0%, var(--primary-light) 100%);
  color: var(--white);
  text-align: center;
  padding: 60px 0;
}
.cta-section h2 { font-size: 2rem; font-weight: 700; margin-bottom: 12px; }
.cta-section p { color: rgba(255,255,255,0.8); margin-bottom: 28px; font-size: 1.05rem; }

/* ---- Footer ---- */
.footer {
  background: var(--gray-900);
  color: var(--gray-400);
  padding: 48px 0 24px;
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 32px;
  margin-bottom: 32px;
}
.footer-col h4 {
  color: var(--white);
  font-size: 1rem;
  font-weight: 600;
  margin-bottom: 16px;
}
.footer-col p, .footer-col a {
  font-size: 0.875rem;
  color: var(--gray-400);
  line-height: 1.8;
}
.footer-col a:hover { color: var(--secondary); }
.footer-col ul li { margin-bottom: 6px; }
.footer-bottom {
  border-top: 1px solid var(--gray-700);
  padding-top: 20px;
  text-align: center;
  font-size: 0.8rem;
  color: var(--gray-500);
}
.footer-warning {
  background: rgba(255,107,53,0.1);
  border: 1px solid rgba(255,107,53,0.2);
  border-radius: 8px;
  padding: 12px 16px;
  font-size: 0.8rem;
  color: var(--gray-400);
  margin-bottom: 24px;
  line-height: 1.5;
}

/* ---- FAQ ---- */
.faq-list { max-width: 800px; margin: 0 auto; }
.faq-item {
  border: 1px solid var(--gray-200);
  border-radius: var(--radius);
  margin-bottom: 12px;
  overflow: hidden;
  background: var(--white);
}
.faq-question {
  width: 100%;
  background: none;
  padding: 20px 24px;
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 1rem;
  font-weight: 600;
  color: var(--gray-800);
  text-align: left;
  transition: background var(--transition);
}
.faq-question:hover { background: var(--gray-50); }
.faq-question .icon {
  transition: transform var(--transition);
  flex-shrink: 0;
  margin-left: 12px;
}
.faq-item.active .faq-question .icon { transform: rotate(180deg); }
.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.4s ease;
}
.faq-answer-inner {
  padding: 0 24px 20px;
  font-size: 0.925rem;
  color: var(--gray-600);
  line-height: 1.7;
}

/* ---- Contact ---- */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 40px;
}
.contact-info-item {
  display: flex;
  gap: 16px;
  margin-bottom: 24px;
}
.contact-info-item .icon-wrap {
  width: 48px; height: 48px;
  background: rgba(10,36,99,0.08);
  border-radius: 12px;
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
}
.contact-info-item svg { width: 22px; height: 22px; fill: var(--primary); }
.contact-info-item h4 { font-size: 0.95rem; font-weight: 600; margin-bottom: 2px; }
.contact-info-item p { font-size: 0.9rem; color: var(--gray-500); }

/* ---- Legal Pages ---- */
.legal-content { max-width: 800px; margin: 0 auto; }
.legal-content h1 { font-size: 2rem; font-weight: 700; margin-bottom: 24px; color: var(--gray-900); }
.legal-content h2 { font-size: 1.3rem; font-weight: 600; margin: 32px 0 12px; color: var(--gray-800); }
.legal-content h3 { font-size: 1.1rem; font-weight: 600; margin: 24px 0 8px; }
.legal-content p { margin-bottom: 12px; color: var(--gray-600); line-height: 1.7; }
.legal-content ul { padding-left: 20px; margin-bottom: 12px; }
.legal-content ul li { margin-bottom: 6px; color: var(--gray-600); list-style: disc; }

/* ---- Table ---- */
.conditions-table {
  width: 100%;
  border-collapse: collapse;
  margin: 24px 0;
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: var(--shadow);
}
.conditions-table th {
  background: var(--primary);
  color: var(--white);
  padding: 14px 16px;
  font-size: 0.9rem;
  font-weight: 600;
  text-align: left;
}
.conditions-table td {
  padding: 12px 16px;
  font-size: 0.9rem;
  border-bottom: 1px solid var(--gray-100);
}
.conditions-table tr:nth-child(even) { background: var(--gray-50); }
.conditions-table tr:hover { background: var(--gray-100); }

/* ---- Success Page ---- */
.success-page {
  text-align: center;
  padding: 100px 20px;
}
.success-icon {
  width: 80px; height: 80px;
  background: rgba(16,185,129,0.1);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 24px;
}
.success-icon svg { width: 40px; height: 40px; fill: var(--success); }
.success-page h1 { font-size: 2rem; font-weight: 700; color: var(--gray-900); margin-bottom: 12px; }
.success-page p { color: var(--gray-500); font-size: 1.05rem; max-width: 500px; margin: 0 auto 32px; }

/* ---- Input Common ---- */
.form-group { margin-bottom: 20px; }
.form-group label {
  display: block;
  font-size: 0.875rem;
  font-weight: 500;
  margin-bottom: 6px;
  color: var(--gray-700);
}
.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 12px 16px;
  border: 1px solid var(--gray-300);
  border-radius: 8px;
  font-size: 0.95rem;
  color: var(--gray-800);
  background: var(--white);
  transition: border-color var(--transition), box-shadow var(--transition);
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  outline: none;
  border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(10,36,99,0.1);
}
.form-group textarea { resize: vertical; min-height: 120px; }
.form-group .error-msg {
  display: none;
  font-size: 0.8rem;
  color: var(--error);
  margin-top: 4px;
}
.form-group.has-error input,
.form-group.has-error select { border-color: var(--error); }
.form-group.has-error .error-msg { display: block; }

/* ---- Responsive ---- */
@media (max-width: 1024px) {
  .steps-grid { grid-template-columns: repeat(2, 1fr); }
  .advantages-grid { grid-template-columns: repeat(2, 1fr); }
  .testimonials-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 768px) {
  .navbar-links { 
    display: none;
    position: absolute;
    top: 72px; left: 0; right: 0;
    background: var(--white);
    flex-direction: column;
    padding: 20px;
    gap: 16px;
    box-shadow: var(--shadow-lg);
  }
  .navbar-links.active { display: flex; }
  .burger { display: flex; }
  .hero { padding: 48px 0 40px; }
  .hero h1 { font-size: 2rem; }
  .hero-features { flex-direction: column; gap: 16px; }
  .section { padding: 48px 0; }
  .steps-grid,
  .advantages-grid,
  .testimonials-grid { grid-template-columns: 1fr; }
  .contact-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
}