/* United Fintec Limited - Professional Consultancy & BPO */
:root {
  --primary: #0f4c75;
  --primary-dark: #0a3a5c;
  --accent: #00a8a8;
  --accent-light: #4db8b8;
  --slate: #1e293b;
  --slate-light: #334155;
  --gray: #64748b;
  --gray-light: #f1f5f9;
  --white: #ffffff;
  --border: #e2e8f0;
  --success: #059669;
  --shadow: 0 4px 6px -1px rgb(0 0 0 / 0.08), 0 2px 4px -2px rgb(0 0 0 / 0.06);
  --shadow-lg: 0 10px 25px -5px rgb(0 0 0 / 0.1), 0 8px 10px -6px rgb(0 0 0 / 0.06);
  --radius: 8px;
  --radius-lg: 12px;
  --font-sans: 'DM Sans', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  --font-display: 'Outfit', var(--font-sans);
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: var(--font-sans);
  color: var(--slate);
  line-height: 1.6;
  background: var(--white);
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; height: auto; display: block; }
a { color: var(--primary); text-decoration: none; transition: color 0.2s; }
a:hover { color: var(--accent); }
ul { list-style: none; }

/* Layout */
.container {
  width: 100%;
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 1.25rem;
}
@media (min-width: 768px) { .container { padding: 0 2rem; } }

/* Header */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(255,255,255,0.95);
  backdrop-filter: blur(8px);
  border-bottom: 1px solid var(--border);
}
.site-header .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  min-height: 72px;
}
.logo {
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 1.35rem;
  color: var(--primary);
}
.logo span { color: var(--accent); }
.nav-desktop {
  display: none;
}
@media (min-width: 768px) {
  .nav-desktop {
    display: flex;
    align-items: center;
    gap: 2rem;
  }
  .nav-desktop a {
    font-weight: 500;
    color: var(--slate);
  }
  .nav-desktop a:hover { color: var(--primary); }
  .nav-desktop .btn { color: var(--white); }
}
.nav-toggle {
  background: none;
  border: none;
  padding: 0.5rem;
  cursor: pointer;
  color: var(--slate);
}
@media (min-width: 768px) { .nav-toggle { display: none; } }
.nav-mobile {
  position: fixed;
  top: 72px;
  left: 0;
  right: 0;
  background: var(--white);
  border-bottom: 1px solid var(--border);
  padding: 1rem;
  display: flex;
  flex-direction: column;
  gap: 0.5rem;
  transform: translateY(-100%);
  opacity: 0;
  pointer-events: none;
  transition: transform 0.25s, opacity 0.25s;
  z-index: 99;
}
.nav-mobile.open {
  transform: translateY(0);
  opacity: 1;
  pointer-events: auto;
}
.nav-mobile a {
  padding: 0.75rem;
  font-weight: 500;
  color: var(--slate);
  border-radius: var(--radius);
}
.nav-mobile a:hover { background: var(--gray-light); color: var(--primary); }
@media (min-width: 768px) { .nav-mobile { display: none; } }

/* Buttons */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 0.65rem 1.35rem;
  font-weight: 600;
  font-size: 0.95rem;
  border-radius: var(--radius);
  border: none;
  cursor: pointer;
  transition: background 0.2s, transform 0.15s;
}
.btn:focus-visible { outline: 2px solid var(--accent); outline-offset: 2px; }
.btn-primary {
  background: var(--primary);
  color: var(--white);
}
.btn-primary:hover { background: var(--primary-dark); }
.btn-accent {
  background: var(--accent);
  color: var(--white);
}
.btn-accent:hover { background: #008f8f; }
.btn-outline {
  background: transparent;
  color: var(--primary);
  border: 2px solid var(--primary);
}
.btn-outline:hover { background: var(--primary); color: var(--white); }

/* Hero */
.hero {
  background: linear-gradient(135deg, var(--primary-dark) 0%, var(--primary) 50%, #165a82 100%);
  color: var(--white);
  padding: 3rem 0 4rem;
  text-align: center;
}
.hero .container { max-width: 800px; }
.hero .badge {
  display: inline-block;
  background: rgba(255,255,255,0.15);
  padding: 0.35rem 0.85rem;
  border-radius: 999px;
  font-size: 0.8rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  margin-bottom: 1rem;
}
.hero h1 {
  font-family: var(--font-display);
  font-size: clamp(1.85rem, 4vw, 2.5rem);
  font-weight: 700;
  line-height: 1.2;
  margin-bottom: 1rem;
}
.hero p {
  font-size: 1.1rem;
  opacity: 0.95;
  margin-bottom: 1.5rem;
}
.hero .buttons { display: flex; flex-wrap: wrap; gap: 0.75rem; justify-content: center; }
.hero .btn-accent { background: var(--accent); }
.hero .btn-outline { border-color: rgba(255,255,255,0.6); color: var(--white); }
.hero .btn-outline:hover { background: rgba(255,255,255,0.15); border-color: var(--white); }
@media (min-width: 768px) {
  .hero { padding: 4rem 0 5rem; }
  .hero h1 { font-size: 2.75rem; }
}

/* Section titles */
.section {
  padding: 3.5rem 0;
}
.section-alt { background: var(--gray-light); }
.section-title {
  font-family: var(--font-display);
  font-size: clamp(1.5rem, 2.5vw, 1.85rem);
  font-weight: 700;
  color: var(--slate);
  text-align: center;
  margin-bottom: 0.5rem;
}
.section-subtitle {
  text-align: center;
  color: var(--gray);
  max-width: 600px;
  margin: 0 auto 2.5rem;
}

/* Service cards (home) */
.service-grid {
  display: grid;
  gap: 1.5rem;
  grid-template-columns: 1fr;
}
@media (min-width: 640px) { .service-grid { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1024px) { .service-grid { grid-template-columns: repeat(3, 1fr); } }
.service-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 1.5rem;
  transition: box-shadow 0.2s, border-color 0.2s;
}
.service-card:hover {
  box-shadow: var(--shadow-lg);
  border-color: var(--accent-light);
}
.service-card .icon {
  width: 48px;
  height: 48px;
  background: linear-gradient(135deg, var(--primary), var(--accent));
  border-radius: var(--radius);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--white);
  font-size: 1.25rem;
  margin-bottom: 1rem;
  font-weight: bold;
}
.service-card h3 {
  font-family: var(--font-display);
  font-size: 1.1rem;
  font-weight: 600;
  color: var(--slate);
  margin-bottom: 0.5rem;
}
.service-card p { font-size: 0.95rem; color: var(--gray); }

/* Insurance focus block */
.insurance-block {
  background: linear-gradient(135deg, var(--slate) 0%, var(--slate-light) 100%);
  color: var(--white);
  padding: 3rem 0;
  border-radius: var(--radius-lg);
  margin: 2rem 0;
}
.insurance-block .section-title { color: var(--white); margin-bottom: 0.75rem; }
.insurance-block .section-subtitle { color: rgba(255,255,255,0.85); margin-bottom: 2rem; }
.insurance-tags {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 0.5rem;
  margin-bottom: 1.5rem;
}
.insurance-tags span {
  background: rgba(255,255,255,0.15);
  padding: 0.4rem 0.9rem;
  border-radius: 999px;
  font-size: 0.9rem;
  font-weight: 500;
}
.insurance-benefits {
  display: grid;
  gap: 1rem;
  grid-template-columns: 1fr;
  max-width: 700px;
  margin: 0 auto;
}
@media (min-width: 640px) { .insurance-benefits { grid-template-columns: repeat(2, 1fr); } }
.insurance-benefits li {
  display: flex;
  align-items: flex-start;
  gap: 0.5rem;
}
.insurance-benefits li::before {
  content: "✓";
  color: var(--accent-light);
  font-weight: bold;
  flex-shrink: 0;
}

/* CTA strip */
.cta-strip {
  background: var(--primary);
  color: var(--white);
  padding: 2rem;
  text-align: center;
  border-radius: var(--radius-lg);
}
.cta-strip h3 { font-size: 1.25rem; margin-bottom: 0.5rem; }
.cta-strip p { opacity: 0.9; margin-bottom: 1rem; font-size: 0.95rem; }
.cta-strip .btn-accent { background: var(--accent); }

/* Footer */
.site-footer {
  background: var(--slate);
  color: rgba(255,255,255,0.85);
  padding: 2.5rem 0;
  margin-top: 3rem;
}
.site-footer .container {
  display: grid;
  gap: 2rem;
  grid-template-columns: 1fr;
}
@media (min-width: 768px) {
  .site-footer .container { grid-template-columns: 2fr 1fr 1fr; }
}
.footer-brand .logo { color: var(--white); margin-bottom: 0.5rem; }
.footer-brand .logo span { color: var(--accent-light); }
.footer-brand p { font-size: 0.9rem; opacity: 0.9; }
.footer-nav h4 {
  font-size: 0.85rem;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--white);
  margin-bottom: 0.75rem;
}
.footer-nav ul { display: flex; flex-direction: column; gap: 0.4rem; }
.footer-nav a { color: rgba(255,255,255,0.8); font-size: 0.9rem; }
.footer-nav a:hover { color: var(--accent-light); }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.1);
  margin-top: 2rem;
  padding-top: 1.5rem;
  text-align: center;
  font-size: 0.85rem;
  opacity: 0.8;
}
.footer-bottom a { color: var(--accent-light); }

/* Page header (inner pages) */
.page-hero {
  background: var(--gray-light);
  padding: 2rem 0 2.5rem;
  text-align: center;
}
.page-hero h1 {
  font-family: var(--font-display);
  font-size: clamp(1.5rem, 3vw, 2rem);
  color: var(--slate);
  margin-bottom: 0.25rem;
}
.page-hero p { color: var(--gray); font-size: 0.95rem; }

/* Services page */
.service-detail {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 2rem;
  margin-bottom: 1.5rem;
}
.service-detail h2 {
  font-family: var(--font-display);
  font-size: 1.35rem;
  color: var(--primary);
  margin-bottom: 0.75rem;
  display: flex;
  align-items: center;
  gap: 0.5rem;
}
.service-detail h2 .num { color: var(--accent); font-weight: 700; }
.service-detail ul { margin: 0.75rem 0 0 1.25rem; }
.service-detail li { margin-bottom: 0.35rem; color: var(--slate); list-style: disc; }

/* Calculators */
.calc-tabs {
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem;
  margin-bottom: 1.5rem;
  border-bottom: 2px solid var(--border);
  padding-bottom: 0;
}
.calc-tabs button {
  padding: 0.65rem 1.25rem;
  font-weight: 600;
  color: var(--gray);
  background: none;
  border: none;
  border-bottom: 3px solid transparent;
  margin-bottom: -2px;
  cursor: pointer;
  transition: color 0.2s, border-color 0.2s;
}
.calc-tabs button:hover { color: var(--primary); }
.calc-tabs button.active { color: var(--primary); border-bottom-color: var(--primary); }
.calc-panel { display: none; }
.calc-panel.active { display: block; }
.calc-box {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 1.5rem;
  margin-bottom: 1.5rem;
  max-width: 520px;
}
.calc-box label {
  display: block;
  font-weight: 600;
  font-size: 0.9rem;
  color: var(--slate);
  margin-bottom: 0.35rem;
}
.calc-box input, .calc-box select {
  width: 100%;
  padding: 0.6rem 0.75rem;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  font-size: 1rem;
  margin-bottom: 1rem;
}
.calc-box input:focus, .calc-box select:focus {
  outline: none;
  border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(15, 76, 117, 0.15);
}
.calc-result {
  margin-top: 1rem;
  padding: 1rem;
  background: var(--gray-light);
  border-radius: var(--radius);
  font-weight: 600;
  color: var(--primary);
}

/* Contact form */
.form-section {
  max-width: 560px;
  margin: 0 auto 2rem;
}
.form-group {
  margin-bottom: 1.25rem;
}
.form-group label {
  display: block;
  font-weight: 600;
  font-size: 0.9rem;
  color: var(--slate);
  margin-bottom: 0.35rem;
}
.form-group input, .form-group select, .form-group textarea {
  width: 100%;
  padding: 0.65rem 0.85rem;
  border: 1px solid var(--border);
  border-radius: var(--radius);
  font-family: inherit;
  font-size: 1rem;
}
.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(15, 76, 117, 0.15);
}
.form-group textarea { min-height: 120px; resize: vertical; }
.form-group .checkbox-wrap {
  display: flex;
  align-items: flex-start;
  gap: 0.5rem;
}
.form-group .checkbox-wrap input { width: auto; margin-top: 0.25rem; }
.form-group .checkbox-wrap label { font-weight: 500; font-size: 0.9rem; }
.form-group .checkbox-wrap a { text-decoration: underline; }
.form-success { display: none; padding: 1rem; background: #d1fae5; color: #065f46; border-radius: var(--radius); margin-bottom: 1rem; }
.form-success.show { display: block; }
.form-error { font-size: 0.85rem; color: #b91c1c; margin-top: 0.25rem; }

/* News / Articles */
.articles-grid {
  display: grid;
  gap: 1.5rem;
  grid-template-columns: 1fr;
}
@media (min-width: 640px) { .articles-grid { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1024px) { .articles-grid { grid-template-columns: repeat(3, 1fr); } }
.article-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  transition: box-shadow 0.2s;
}
.article-card:hover { box-shadow: var(--shadow-lg); }
.article-card .thumb {
  height: 160px;
  background: linear-gradient(135deg, var(--primary), var(--accent));
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--white);
  font-size: 2.5rem;
  opacity: 0.9;
}
.article-card .body { padding: 1.25rem; }
.article-card .meta { font-size: 0.8rem; color: var(--gray); margin-bottom: 0.35rem; }
.article-card h3 { font-size: 1.05rem; margin-bottom: 0.5rem; }
.article-card h3 a { color: var(--slate); }
.article-card h3 a:hover { color: var(--primary); }
.article-card p { font-size: 0.9rem; color: var(--gray); }

/* Legal pages */
.legal-content { max-width: 720px; margin: 0 auto; padding: 2rem 0 3rem; }
.legal-content h2 { font-size: 1.25rem; margin: 1.5rem 0 0.5rem; color: var(--slate); }
.legal-content p, .legal-content li { margin-bottom: 0.75rem; color: var(--gray); }
.legal-content ul { margin-left: 1.5rem; list-style: disc; }

/* CIMA badge */
.cima-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.85rem;
  color: var(--gray);
  margin-top: 0.5rem;
}
.cima-badge strong { color: var(--primary); }