/* styling.css - Luxury SIR Color Palette Design */
/* Colors from SIR palette: Navy Blue #002349, Light Grey #adadad, Gold #a38d31, Black #000, White #fff */

/* -------------------- VARIABLES -------------------- */
:root {
  --navy: #002349;
  --light-grey: #adadad;
  --gold: #a38d31;
  --black: #000;
  --white: #fff;
  --shadow: rgba(0,0,0,0.18);
  --shadow-dark: rgba(0,0,0,0.3);
  --gradient-gold: linear-gradient(90deg, var(--navy), var(--gold));
}

/* -------------------- RESET & BASE -------------------- */
* {
  margin: 0;
  padding: 0;
  box-sizing: border-box;
}

body {
  font-family: 'Georgia', 'Times New Roman', serif;
  line-height: 1.6;
  color: #333;
  overflow-x: hidden;
  transition: background 0.3s, color 0.3s;
}

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

/* -------------------- HOME -------------------- */
.home {
  background: #f8f8f8;
}

/* -------------------- HEADER -------------------- */

/* Top navigation bar */
.top-nav {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 1.2rem 5%;
  background: var(--navy);
  backdrop-filter: blur(14px);
  position: sticky;
  top: 0;
  z-index: 100;
  box-shadow: 0 8px 40px var(--shadow);
  transition: background 0.3s, box-shadow 0.3s;
}


/* Logo wrapper */
.logo-wrapper {
  background: linear-gradient(145deg, rgba(255,255,255,0.06), rgba(255,255,255,0.1));
  border-radius: 22px;
  display: flex;
  align-items: center;
  box-shadow: inset 0 0 0 1px rgba(163,141,49,0.3);
  transition: transform 0.3s ease, box-shadow 0.3s ease;
}

.logo-wrapper:hover {
  transform: scale(1.05) rotate(-1deg);
  box-shadow: 0 8px 20px var(--shadow-dark);
}

.logo-img {
  height: 68px;
  width: auto;
  border-radius: 14px;
  object-fit: cover;
  filter: drop-shadow(0 4px 10px rgba(0,0,0,0.35));
  transition: transform 0.3s ease;
}

.logo-wrapper:hover .logo-img {
  transform: scale(1.03);
}

/* Bottom line gradient under nav */
.top-nav::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 5%;
  right: 5%;
  height: 1px;
  background: linear-gradient(to right, transparent, rgba(163,141,49,0.6), transparent);
}

/* Hamburger menu (mobile) */
.hamburger {
  display: none;
  flex-direction: column;
  cursor: pointer;
  padding: 5px;
  z-index: 110;
}

.hamburger span {
  width: 28px;
  height: 3px;
  background: #fff;
  margin: 4px 0;
  border-radius: 2px;
  transition: 0.4s;
}

/* Animate hamburger to X when active */
.hamburger.active span:nth-child(1) {
  transform: rotate(45deg) translate(5px, 5px);
}
.hamburger.active span:nth-child(2) {
  opacity: 0;
}
.hamburger.active span:nth-child(3) {
  transform: rotate(-45deg) translate(5px, -5px);
}

/* Main navigation */
.main-nav {
  display: flex;
  align-items: center;
  gap: 2rem;
  transition: all 0.5s cubic-bezier(0.77, 0, 0.175, 1);
}

.main-nav a {
  color: #fff;
  font-weight: 500;
  position: relative;
  padding: 0.2rem 0;
  transition: color 0.3s, transform 0.3s;
}

.main-nav a {
  position: relative;
}

.main-nav a::after {
  content: '';
  position: absolute;
  left: 0;
  bottom: -6px;
  width: 0;
  height: 2px;
  background: var(--gold);
  transition: width 0.3s ease;
}

.main-nav a:hover::after {
  width: 100%;
}


/* ================== DROPDOWN MENU - PREMIUM STYLE ================== */
.dropdown {
  position: relative;
  display: inline-block;
}

/* Button */
.dropbtn {
  background: none;
  border: none;
  color: #fff;
  cursor: pointer;
  font-size: 1rem;
  font-weight: 500;
  padding: 0.3rem 0.5rem;
  transition: color 0.3s ease;
}

.dropbtn:hover {
  color: var(--gold);
}

/* Dropdown panel */
.dropdown-content {
  position: absolute;
  top: 100%;
  left: 0;
  margin-top: -2px;                      /* snug to button */
  min-width: 200px;                       /* slightly wider for luxury feel */
  background: rgba(0, 35, 73, 0.98);      /* deep navy */
  backdrop-filter: blur(8px);             /* subtle glass effect */
  box-shadow: 0 16px 40px rgba(0, 0, 0, 0.25); /* soft, floating shadow */
  border-radius: 14px;
  overflow: hidden;
  z-index: 1000;

  opacity: 0;
  transform: translateY(6px);
  transition: opacity 0.3s ease, transform 0.3s ease;
  pointer-events: none;                   /* prevents accidental hover issues */
}

/* Show dropdown on hover */
.dropdown:hover .dropdown-content {
  opacity: 1;
  transform: translateY(0);
  pointer-events: auto;
}

/* Dropdown links */
.dropdown-content a {
  display: block;
  padding: 14px 18px;
  color: #fff;
  font-size: 14px;
  font-weight: 500;
  border-radius: 8px;
  transition: background 0.3s ease, color 0.3s ease;
}

.dropdown-content a:hover {
  background: rgba(163, 141, 49, 0.15); /* subtle gold highlight */
  color: var(--gold);
  transform: translateX(4px);            /* subtle movement for luxury feel */
  transition: background 0.3s ease, color 0.3s ease, transform 0.3s ease;
}

/* -------------------- HERO SECTION -------------------- */
.hero {
  display: flex;
  height: 100vh;
  position: relative;
  overflow: hidden;
}

.hero-left,
.hero-right {
  flex: 1;
  position: relative;
}

.hero-left img,
.hero-right img {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  opacity: 0;
  transition: opacity 1s ease-in-out, transform 1.2s ease;
}

.hero-left img.active,
.hero-right img.active {
  opacity: 1;
  transform: scale(1.05);
}

.hero-center {
  flex: 1;
  display: flex;
  flex-direction: column;
  justify-content: center;
  align-items: center;
  text-align: center;

  background: linear-gradient(
    180deg,
    #ffffff 0%,
    #f7f9fc 100%
  );

  color: var(--navy);
  padding: 0 3rem;
  position: relative;
}

/* subtle vertical divider lines (luxury detail) */
.hero-center::before,
.hero-center::after {
  content: "";
  position: absolute;
  top: 10%;
  bottom: 10%;
  width: 1px;
  background: rgba(0, 35, 73, 0.15);
}

.hero-center::before {
  left: 0;
}

.hero-center::after {
  right: 0;
}

.tagline {
  font-size: 0.85rem;
  letter-spacing: 2.5px;
  text-transform: uppercase;
  color: var(--gold);
  margin-bottom: 1.2rem;
}


.hero h1 {
  font-family: "Playfair Display", serif;
  font-size: clamp(2.8rem, 6vw, 4.5rem);
  font-weight: 400;
  letter-spacing: 0.5px;
  margin: 0;
  color: var(--navy);
  text-shadow: none;
}


/* -------------------- ABOUT SPLIT SECTION -------------------- */
.about-split {
  display: grid;
  grid-template-columns: 1fr 1.2fr;
  min-height: 80vh;
  margin-bottom: 6rem;
  border-radius: 28px;
  overflow: hidden;
  box-shadow: 0 30px 90px var(--shadow);
}

/* LEFT PANEL */
.about-left {
  background: var(--navy);
  color: var(--white);
  padding: 6rem 5rem;
  display: flex;
  align-items: center;
}

.about-left h1 {
  font-family: "Playfair Display", serif;
  font-size: clamp(2.5rem, 4vw, 4rem);
  font-weight: 400;
  line-height: 1.15;
  letter-spacing: 0.5px;
}

/* RIGHT PANEL */
.about-right {
  background: var(--white);
  padding: 6rem 6rem;
}

.about-right h2 {
  font-size: 2.6rem;
  font-weight: 500;
  margin-bottom: 2rem;
  position: relative;
}

/* Gold accent line */
.about-right h2::before {
  content: "";
  display: block;
  width: 70px;
  height: 3px;
  background: var(--gold);
  margin-bottom: 1.5rem;
}

.about-right p {
  font-size: 1.15rem;
  line-height: 1.9;
  color: #333;
  margin-bottom: 1.5rem;
  max-width: 650px;
}

.about-right strong {
  color: var(--navy);
  font-weight: 500;
}

.about-right em {
  display: block;
  margin-top: 2rem;
  font-size: 1.2rem;
  color: var(--gold);
  font-style: italic;
}

/* -------------------- RESPONSIVE -------------------- */
@media (max-width: 900px) {
  .about-split {
    grid-template-columns: 1fr;
  }

  .about-left,
  .about-right {
    padding: 4rem 2.5rem;
  }

  .about-left h1 {
    font-size: 2.5rem;
  }
}

/* -------------------- BRANCHES SECTION -------------------- */
.branches {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(480px, 1fr));
  gap: 4rem;
  padding: 5rem 5%;
  max-width: 1400px;
  margin: 0 auto 6rem;
  background:#fafafa;
}


/* BRANCH CARD */
.branch {
  background: #ffffff;
  padding: 3.5rem 3.5rem 3rem;
  border-radius: 24px;
  box-shadow: 0 25px 70px rgba(0,0,0,0.06);
  transition: box-shadow 0.35s ease, transform 0.35s ease;
  position: relative;
  overflow: hidden;
}

/* thin navy accent instead of bold gold */
.branch::before {
  content: "";
  position: absolute;
  top: 0;
  left: 3rem;
  right: 3rem;
  height: 1px;
  background: rgba(0,35,73,0.25);
}

.branch:hover {
  transform: translateY(-6px);
  box-shadow: 0 40px 90px rgba(0,35,73,0.15);
}


/* BRANCH HEADINGS & TEXT */
.branch h2 {
  color: var(--navy);
  font-size: 2rem;
  margin-bottom: 1.25rem;
  font-weight: 400;
  letter-spacing: 0.3px;
}

.branch p {
  margin-bottom: 1rem;
  font-size: 1.05rem;
  line-height: 1.7;
  color: #444;
}


.branch a {
  color: var(--navy);
  text-decoration: none;
  border-bottom: 1px solid rgba(0,35,73,0.25);
  padding-bottom: 2px;
  transition: color 0.3s, border-color 0.3s;
}

.branch a:hover {
  color: var(--gold);
  border-color: var(--gold);
}


/* MAP */
.branch-map iframe {
  width: 100%;
  height: 260px;
  border: 0;
  border-radius: 14px;
  margin: 2rem 0;
  box-shadow: 0 12px 35px rgba(0,0,0,0.08);
}


.branch:hover .branch-map iframe {
  transform: scale(1.02);
}

/* SOCIAL ICONS */
.branch-social-icons {
  display: flex;
  gap: 1rem;
  margin-top: 2rem;
}

.branch-social-icons img {
  width: 38px;
  height: 38px;
  transition: transform 0.25s ease;
}

.branch-social-icons a:hover img {
  transform: translateY(-2px);
}



/* -------------------- FOOTER -------------------- */
/* -------------------- FOOTER -------------------- */
.footer-container {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(250px, 1fr));
  gap: 3rem;
  padding: 4rem 5% 2rem;
  background: var(--navy);
  color: #fff;
  border-top: 4px solid var(--gold);
}

@media (max-width: 768px) {
  .footer-container {
    grid-template-columns: 1fr 1fr;
    gap: 2rem;
    padding: 3rem 5%;
  }
}

@media (max-width: 480px) {
  .footer-container {
    grid-template-columns: 1fr;
    padding: 3rem 3%;
    gap: 1.5rem;
  }
}


/* COLUMN HEADINGS */
.footer-column h2,
.footer-column h3 {
  font-family: 'Playfair Display', serif;
  font-weight: 400;
  letter-spacing: 0.5px;
  margin-bottom: 1.5rem;
}

.footer-column h2 span {
  color: var(--gold);
  font-weight: 600;
}

/* TAGLINE */
.footer-column .tagline {
  font-style: italic;
  color: #adadad;
  margin: 1rem 0 2rem;
  line-height: 1.4;
  font-size: 0.95rem;
}

/* LINKS */
.footer-column a {
  display: block;
  color: var(--light-grey);
  text-decoration: none;
  line-height: 1.8;
  transition: all 0.3s;
}

.footer-column a:hover {
  color: var(--gold);
  text-shadow: 0 0 6px var(--gold);
}

/* SOCIAL ICONS */
.social-icons {
  display: flex;
  gap: 1rem;
  margin-top: 1rem;
}

.social-icons img {
  width: 36px;
  height: 36px;
  transition: transform 0.3s, filter 0.3s;
}

.social-icons a:hover img {
  transform: scale(1.15);
  filter: drop-shadow(0 0 6px var(--gold));
}

/* BRANCH TOGGLE */
.branch-toggle {
  display: flex;
  gap: 0.5rem;
  margin-bottom: 1rem;
}

.branch-toggle .branch-btn {
  background: rgba(255,255,255,0.08);
  border: 1px solid var(--gold);
  color: var(--white);
  padding: 0.6rem 1.2rem;
  border-radius: 20px;
  cursor: pointer;
  font-weight: 500;
  transition: all 0.3s;
}

.branch-toggle .branch-btn.active,
.branch-toggle .branch-btn:hover {
  background: var(--gold);
  color: var(--navy);
  transform: translateY(-2px);
  box-shadow: 0 4px 12px rgba(163,141,49,0.4);
}

/* BRANCH DETAILS */
.branch-details p {
  margin: 0.5rem 0;
  line-height: 1.6;
  transition: opacity 0.3s;
  font-size: 0.95rem;
}

/* BRANCH MAP */
.branch-map {
  margin-top: 1rem;
  width: 100%;
  height: 150px;
  border-radius: 10px;
  overflow: hidden;
}

.branch-map iframe {
  width: 100%;
  height: 100%;
  border: 0;
}

/* FOOTER BOTTOM */
.footer-bottom {
  text-align: center;
  padding: 1.5rem 5%;
  background: var(--navy);
  color: var(--light-grey);
  font-size: 0.9rem;
  letter-spacing: 0.5px;
  border-top: 1px solid var(--gold);
}

/* ============================================================
   WHY HERO — SOTHEBY’S HOUSE STYLE
   ============================================================ */

/* ============================================================
   WHY HERO — SOTHEBY’S HOUSE STYLE (RESPONSIVE)
   ============================================================ */

.why-hero {
  position: relative;
  height: clamp(55vh, 65vh, 75vh);
  min-height: 420px;
  max-height: 820px;
  overflow: hidden;
  background: var(--navy);
}

.why-hero img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

/* Navy-toned overlay */
.hero-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(
    rgba(0, 35, 73, 0.15),
    rgba(0, 35, 73, 0.35)
  );
}

/* Editorial placement */
.hero-text {
  position: absolute;
  bottom: clamp(2.5rem, 6vw, 4.5rem);
  left: 6%;
  max-width: 520px;
  color: #fff;
  padding-right: env(safe-area-inset-right);
  padding-left: env(safe-area-inset-left);
}

.hero-text h1 {
  font-family: "Playfair Display", serif;
  font-size: clamp(2.2rem, 4.2vw, 3.4rem);
  font-weight: 400;
  line-height: 1.18;
  letter-spacing: 0.01em;
  margin-bottom: 0.6rem;
}

.hero-text p {
  font-size: clamp(0.9rem, 1.2vw, 1rem);
  font-weight: 300;
  line-height: 1.7;
  opacity: 0.9;
}

/* ============================================================
   WHY CONTENT — EDITORIAL, BRAND-ALIGNED
   ============================================================ */

.why-content {
  background: #fbfbf8;
  padding: clamp(4.5rem, 8vw, 7rem) 6%;
}

.why-wrapper {
  max-width: 1080px;
  margin: 0 auto;
}

/* Section headline */
.why-wrapper h2 {
  font-family: "Playfair Display", serif;
  font-size: clamp(1.9rem, 3.5vw, 2.6rem);
  font-weight: 400;
  color: var(--navy);
  letter-spacing: 0.01em;
  margin-bottom: clamp(2.5rem, 5vw, 3.5rem);
}

/* Body copy */
.why-wrapper p {
  font-size: clamp(0.98rem, 1.15vw, 1.05rem);
  line-height: 1.9;
  color: #2f2f2f;
  max-width: 720px;
  margin-bottom: 2.4rem;
}

/* ============================================================
   RESPONSIVE ADJUSTMENTS
   ============================================================ */

/* Tablets & smaller laptops */
@media (max-width: 1024px) {
  .hero-text {
    left: 5%;
  }
}

/* Tablets */
@media (max-width: 768px) {
  .hero-text {
    left: 5%;
    right: 5%;
    max-width: none;
  }

  .why-content {
    padding: 5rem 5%;
  }
}

/* Small phones */
@media (max-width: 480px) {
  .hero-text {
    bottom: 2.2rem;
    text-align: left; /* keeps editorial tone */
  }

  .hero-text h1 {
    font-size: 2.1rem;
  }

  .hero-text p {
    font-size: 0.88rem;
  }
}

/* Very short viewports (landscape phones) */
@media (max-height: 500px) {
  .why-hero {
    height: 100vh;
  }

  .hero-text {
    bottom: 2rem;
  }
}

/* -------------------- REFERRAL SECTION -------------------- */

.referral-section {
  max-width: 1200px;
  margin: 5rem auto;
  padding: 4rem 5%;
  background: #fff;
  border-radius: 28px;
  box-shadow: 0 30px 90px rgba(0,0,0,0.08);
  text-align: center;
}

/* Headings */
.referral-section h2 {
  font-size: 2.6rem;
  font-weight: 300;
  color: var(--navy);
  margin-bottom: 1rem;
  letter-spacing: 0.5px;
}

.referral-section .subtitle {
  font-size: 1.15rem;
  color: #555;
  max-width: 760px;
  margin: 0 auto 3rem;
  line-height: 1.7;
}

/* FORM WRAPPER */
.referral-form {
  width: 100%;
}

/* TWO COLUMN LAYOUT */
.referral-container {
  display: grid;
  grid-template-columns: 1fr auto 1fr;
  gap: 3rem;
  align-items: start;
  margin-bottom: 2.5rem;
}

/* COLUMN */
.referral-column {
  text-align: left;
}

.referral-column h3 {
  font-size: 1.6rem;
  font-weight: 300;
  color: var(--navy);
  margin-bottom: 1.5rem;
}

/* DIVIDER */
.divider-line {
  width: 1px;
  background: linear-gradient(
    to bottom,
    transparent,
    rgba(163,141,49,0.6),
    transparent
  );
}

/* LABELS */
.referral-column label {
  display: block;
  font-size: 0.9rem;
  color: #444;
  margin-bottom: 0.4rem;
  margin-top: 1.2rem;
}

/* INPUTS & SELECT */
.referral-column input,
.referral-column select {
  width: 100%;
  padding: 0.85rem 1rem;
  border-radius: 10px;
  border: 1px solid #ddd;
  font-size: 0.95rem;
  font-family: inherit;
  transition: border 0.3s, box-shadow 0.3s;
  background: #fafafa;
}

.referral-column input:focus,
.referral-column select:focus {
  outline: none;
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(163,141,49,0.15);
  background: #fff;
}

/* PERMISSION */
.permission {
  display: flex;
  align-items: flex-start;
  gap: 0.8rem;
  max-width: 900px;
  margin: 2.5rem auto 3rem;
  font-size: 0.85rem;
  color: #555;
  line-height: 1.6;
  text-align: left;
}

.permission input {
  margin-top: 4px;
}

/* SUBMIT BUTTON */
.submit-btn {
  background: linear-gradient(135deg, var(--navy), var(--gold));
  color: #fff;
  border: none;
  padding: 0.9rem 3.5rem;
  font-size: 0.95rem;
  letter-spacing: 1px;
  border-radius: 999px;
  cursor: pointer;
  transition: transform 0.3s, box-shadow 0.3s;
}

.submit-btn:hover {
  transform: translateY(-2px);
  box-shadow: 0 12px 30px rgba(163,141,49,0.35);
}



/* ================================
   CALCULATOR PAGE
================================ */

/* Tabs */
.tabs {
  display: flex;
  justify-content: center;
  gap: 1rem;
  margin: 3rem auto 2rem;
  padding: 0 5%;
  flex-wrap: wrap;
}

.tab {
  background: #fff;
  border: 1px solid #ddd;
  padding: 0.6rem 1.4rem;
  border-radius: 999px;
  font-size: 0.85rem;
  cursor: pointer;
  transition: all 0.3s ease;
  color: var(--navy);
}

.tab.active,
.tab:hover {
  background: linear-gradient(135deg, var(--navy), var(--gold));
  color: #fff;
  border-color: transparent;
}

/* Page wrapper */
.calculator-page {
  max-width: 1200px;
  margin: 0 auto 5rem;
  padding: 0 5%;
}

.calculator-page h1 {
  text-align: center;
  font-weight: 300;
  font-size: 2.6rem;
  color: var(--navy);
  margin-bottom: 2.5rem;
}

/* Main box */
.calc-box,
.calculator-container,
.converter-box {
  background: #fff;
  padding: 3rem;
  border-radius: 28px;
  box-shadow: 0 30px 90px rgba(0,0,0,0.08);
}

/* INPUTS */
.input-row,
.calculator-inputs {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 1.5rem;
  align-items: end;
  margin-bottom: 2.5rem;
}

.input-group label,
.calculator-inputs label {
  font-size: 0.85rem;
  color: #444;
  margin-bottom: 0.4rem;
  display: block;
}

.input-group input,
.calculator-inputs input,
.calculator-inputs select {
  width: 100%;
  padding: 0.8rem 1rem;
  border-radius: 10px;
  border: 1px solid #ddd;
  background: #fafafa;
  font-size: 0.95rem;
}

.input-group input:focus,
.calculator-inputs input:focus,
.calculator-inputs select:focus {
  outline: none;
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(163,141,49,0.15);
  background: #fff;
}

/* Calculate button */
.calculate-btn {
  background: linear-gradient(135deg, var(--navy), var(--gold));
  color: #fff;
  border: none;
  padding: 0.85rem 2.5rem;
  border-radius: 999px;
  font-size: 0.85rem;
  letter-spacing: 1px;
  cursor: pointer;
  transition: transform 0.3s, box-shadow 0.3s;
}

.calculate-btn:hover {
  transform: translateY(-2px);
  box-shadow: 0 12px 30px rgba(163,141,49,0.35);
}

/* COSTS */
.costs-container {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 3rem;
  margin-top: 3rem;
}

.costs-column h3 {
  font-weight: 300;
  color: var(--navy);
  margin-bottom: 1.2rem;
}

.costs-column ul {
  list-style: none;
}

.costs-column li {
  display: flex;
  justify-content: space-between;
  font-size: 0.9rem;
  padding: 0.4rem 0;
  border-bottom: 1px solid #eee;
}

.total {
  margin-top: 1rem;
  font-weight: 500;
  display: flex;
  justify-content: space-between;
  color: var(--navy);
}

/* GRAND TOTAL */
.grand-total {
  margin-top: 3rem;
  padding-top: 1.5rem;
  border-top: 1px solid #ddd;
  display: flex;
  justify-content: space-between;
  font-size: 1.2rem;
  font-weight: 500;
  color: var(--navy);
}

/* RESULTS */
.calculator-results {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 3rem;
  margin-top: 2rem;
}

.income-details h4 {
  margin-bottom: 1rem;
  color: var(--navy);
}

.loan-available {
  background: linear-gradient(135deg, var(--navy), var(--gold));
  color: #fff;
  border-radius: 20px;
  padding: 2rem;
  font-size: 1.4rem;
  text-align: center;
}

/* REPAYMENT RESULT */
.result-box {
  margin-top: 2rem;
  background: linear-gradient(135deg, var(--navy), var(--gold));
  color: #fff;
  padding: 2.5rem;
  border-radius: 24px;
  text-align: center;
}

.result-box .label {
  font-size: 0.85rem;
  opacity: 0.8;
}

.result-box .value {
  font-size: 2rem;
  margin-top: 0.5rem;
}

/* CURRENCY */
/* ===============================
   Currency Converter Styling
================================ */
.converter-box {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 2rem;
  flex-wrap: wrap; /* ensures responsiveness on small screens */
}

.amount-input {
  padding: 1rem;
  font-size: 1.2rem;
  width: 180px;
  border-radius: 10px;
  border: 1px solid #ddd;
  background: #fafafa;
  transition: border 0.2s, box-shadow 0.2s;
}

.amount-input:focus {
  outline: none;
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(163,141,49,0.15);
  background: #fff;
}

/* Currency dropdown styling */
.converter-box select {
  padding: 1rem;
  font-size: 1.2rem;
  border-radius: 10px;
  border: 1px solid #ddd;
  background-color: #fafafa;
  cursor: pointer;
  appearance: none;
  -webkit-appearance: none;
  -moz-appearance: none;
  width: 140px;
  text-align: center;
  transition: border 0.2s, background-color 0.2s, box-shadow 0.2s;
  position: relative;
}

/* Dropdown hover/focus */
.converter-box select:hover,
.converter-box select:focus {
  border-color: var(--navy);
  background-color: #fff;
  outline: none;
  box-shadow: 0 0 0 3px rgba(0, 0, 0, 0.05);
}

/* Custom arrow using pseudo-element */
.converter-box select::after {
  content: "▾";
  position: absolute;
  right: 1rem;
  top: 50%;
  transform: translateY(-50%);
  pointer-events: none;
  font-size: 1.2rem;
  color: var(--navy);
}

/* Swap button styling */
.swap-btn {
  font-size: 1.6rem;
  cursor: pointer;
  color: var(--gold);
  display: flex;
  align-items: center;
  justify-content: center;
  width: 50px;
  height: 50px;
  border-radius: 50%;
  transition: background-color 0.2s, color 0.2s, transform 0.2s;
  background: #fff;
  border: 1px solid #ddd;
}

.swap-btn:hover {
  background-color: var(--navy);
  color: #fff;
  transform: scale(1.1);
}

/* Responsive adjustments */
@media (max-width: 900px) {
  .converter-box {
    flex-direction: column;
    gap: 1rem;
  }
}



/* ================================
   RESPONSIVE
================================ */

@media (max-width: 900px) {
  .calculator-results {
    grid-template-columns: 1fr;
  }

  .converter-box {
    flex-direction: column;
  }
}

@media (max-width: 480px) {
  .calculator-page h1 {
    font-size: 2.1rem;
  }

  .calc-box,
  .calculator-container,
  .converter-box {
    padding: 2rem;
  }
}

/* ================================
   PRIVATE EDITION MAGAZINE PAGE
   (Does NOT affect header/footer)
================================ */

.magazine-section {
  max-width: 1200px;
  margin: 4rem auto 6rem;
  padding: 0 5%;
  text-align: center;
}

.magazine-section h1 {
  font-size: 3rem;
  font-weight: 300;
  color: var(--navy);
  margin-bottom: 1.5rem;
  letter-spacing: 1px;
}

.magazine-section p {
  max-width: 820px;
  margin: 0 auto 1.2rem;
  font-size: 1.1rem;
  line-height: 1.8;
  color: #555;
}

.magazine-section p strong {
  color: var(--navy);
  font-weight: 500;
}

/* Highlight intro paragraph */
.magazine-section p:first-of-type {
  font-size: 1.15rem;
}

/* EMBED CONTAINER */
.magazine-embed {
  margin-top: 4rem;
  background: #fff;
  padding: 2rem;
  border-radius: 28px;
  box-shadow: 0 30px 90px rgba(0,0,0,0.08);
  position: relative;
}

/* Gold accent bar */
.magazine-embed::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 4px;
  background: linear-gradient(90deg, var(--gold), #f5e6a1);
  border-top-left-radius: 28px;
  border-top-right-radius: 28px;
}

/* ISSUU IFRAME */
.magazine-embed iframe {
  width: 100%;
  height: 85vh;
  border: none;
  border-radius: 20px;
}

/* ================================
   RESPONSIVE
================================ */

@media (max-width: 900px) {
  .magazine-section h1 {
    font-size: 2.4rem;
  }

  .magazine-section p {
    font-size: 1rem;
  }

  .magazine-embed iframe {
    height: 70vh;
  }
}

@media (max-width: 480px) {
  .magazine-section {
    margin-top: 3rem;
  }

  .magazine-section h1 {
    font-size: 2rem;
  }

  .magazine-embed {
    padding: 1.5rem;
  }

  .magazine-embed iframe {
    height: 60vh;
  }
}

/* -------------------- RESPONSIVE -------------------- */

@media (max-width: 900px) {
  .referral-container {
    grid-template-columns: 1fr;
    gap: 2.5rem;
  }

  .divider-line {
    display: none;
  }

  .referral-section {
    padding: 3rem 5%;
  }

  .referral-section h2 {
    font-size: 2.2rem;
  }
}

@media (max-width: 480px) {
  .submit-btn {
    width: 100%;
    padding: 0.9rem;
  }
}

/* -------------------- RESPONSIVE -------------------- */
@media (max-width: 1024px) {
  .hero-text h1 {
    font-size: 2.5rem;
  }
  .hero-text p {
    font-size: 1.2rem;
  }
  .why-wrapper h2 {
    font-size: 2rem;
  }
  .why-wrapper h3 {
    font-size: 1.5rem;
  }
}

@media (max-width: 480px) {
  .hero-text h1 {
    font-size: 1.8rem;
  }
  .hero-text p {
    font-size: 1rem;
  }
  .why-wrapper h2 {
    font-size: 1.7rem;
  }
  .why-wrapper h3 {
    font-size: 1.3rem;
  }
}


/* -------------------- RESPONSIVE -------------------- */
@media (max-width: 768px) {
  .footer-container {
    grid-template-columns: 1fr 1fr;
    gap: 2rem;
    padding: 3rem 5%;
  }

  .branch-toggle {
    flex-direction: column;
  }
}

@media (max-width: 480px) {
  .footer-container {
    grid-template-columns: 1fr;
    padding: 3rem 3%;
    gap: 1.5rem;
  }

  .branch-toggle {
    flex-direction: column;
    gap: 0.5rem;
  }

  .footer-bottom {
    font-size: 0.85rem;
  }
}



/* -------------------- RESPONSIVE -------------------- */
@media (max-width: 768px) {
  .hamburger {
    display: flex;
  }

  .main-nav {
    position: fixed;
    top: 100%;
    left: 0;
    width: 100%;
    background: rgba(0,35,73,0.98);
    flex-direction: column;
    padding: 2rem;
    transform: translateY(-100%);
    opacity: 0;
    visibility: hidden;
  }

  .main-nav.active {
    transform: translateY(0);
    opacity: 1;
    visibility: visible;
  }

  .dropdown-content {
    position: static;
    box-shadow: none;
    background: rgba(255,255,255,0.1);
    margin-top: 1rem;
  }

  .hero {
    flex-direction: column;
    height: auto;
    min-height: 80vh;
  }

  .hero-left,
  .hero-right,
  .hero-center {
    flex: none;
    width: 100%;
  }

  .hero-left,
  .hero-right {
    height: 30vh;
  }

  .branches {
    grid-template-columns: 1fr;
    padding: 3rem 2rem;
    gap: 2.5rem;
  }

  .branch {
    padding: 2.5rem;
  }
}

@media (max-width: 480px) {
  .top-nav {
    padding: 1rem 3%;
  }

  .about,
  .footer-container {
    padding-left: 3%;
    padding-right: 3%;
  }
}

@media (max-width: 768px) {
  .about h2 {
    font-size: 2rem;
  }
  .about p {
    font-size: 1.1rem;
  }
  .branches {
    gap: 2.5rem;
    padding: 3rem 5%;
  }
  .branch h2 {
    font-size: 1.8rem;
  }
  .branch iframe {
    height: 220px;
  }
}

@media (max-width: 480px) {
  .about h2 {
    font-size: 1.6rem;
  }
  .about p {
    font-size: 1rem;
  }
  .branch h2 {
    font-size: 1.6rem;
  }
  .branch iframe {
    height: 200px;
  }
}

/* ==================== NAVIGATION RESPONSIVE ==================== */

@media (max-width: 1024px) {
  .top-nav {
    padding: 1rem 4%;
  }

  .logo-img {
    height: 58px;
  }

  .main-nav {
    gap: 1.5rem;
  }
}

@media (max-width: 900px) {
  .hamburger {
    display: flex;
  }

  .main-nav {
    position: fixed;
    top: 80px;
    right: 0;
    width: 100%;
    height: calc(100vh - 80px);
    background: var(--navy);
    flex-direction: column;
    align-items: center;
    justify-content: flex-start;
    padding-top: 3rem;
    transform: translateX(100%);
  }

  .main-nav.active {
    transform: translateX(0);
  }

  .main-nav a,
  .dropbtn {
    font-size: 1.2rem;
    padding: 0.8rem 0;
  }

  /* Dropdown becomes stacked */
  .dropdown-content {
    position: static;
    opacity: 1;
    transform: none;
    pointer-events: auto;
    background: transparent;
    box-shadow: none;
    margin-top: 1rem;
  }

  .dropdown-content a {
    padding-left: 1.5rem;
  }
}

/* ==================== HERO RESPONSIVE ==================== */

@media (max-width: 1024px) {
  .hero {
    height: 85vh;
  }

  .hero-center {
    padding: 0 2rem;
  }
}

@media (max-width: 768px) {
  .hero {
    flex-direction: column;
    height: auto;
    min-height: 100vh;
  }

  .hero-left,
  .hero-right {
    display: none;
  }

  .hero-center {
    min-height: 100vh;
    padding: 4rem 2rem;
  }

  .hero h1 {
    font-size: clamp(2.2rem, 7vw, 3rem);
  }
}

@media (max-width: 480px) {
  .hero-center {
    padding: 3rem 1.5rem;
  }

  .tagline {
    font-size: 0.75rem;
    letter-spacing: 2px;
  }
}

/* ==================== BRANCHES RESPONSIVE ==================== */

@media (max-width: 768px) {
  .branches {
    grid-template-columns: 1fr;
    padding: 4rem 4%;
    gap: 3rem;
  }

  .branch {
    padding: 2.5rem 2rem;
  }

  .branch h2 {
    font-size: 1.7rem;
  }

  .branch-map iframe {
    height: 220px;
  }
}

@media (max-width: 480px) {
  .branch {
    padding: 2rem 1.5rem;
  }

  .branch p {
    font-size: 1rem;
  }
}

/* ==================== FOOTER REFINEMENT ==================== */

@media (max-width: 480px) {
  .footer-column h2,
  .footer-column h3 {
    font-size: 1.4rem;
  }

  .footer-column a {
    font-size: 0.95rem;
  }

  .branch-toggle {
    flex-wrap: wrap;
  }

  .branch-btn {
    flex: 1 1 auto;
    text-align: center;
  }
}

/* ==================== LARGE SCREENS ==================== */

@media (min-width: 1440px) {
  .hero h1 {
    font-size: 4.8rem;
  }

  .about-right p {
    font-size: 1.2rem;
  }

  .branches {
    max-width: 1600px;
  }
}

@media (max-width: 1024px) {
  .referral-section {
    padding: 3rem 4%;
  }

  .referral-container {
    gap: 2rem;
  }

  .referral-section h2 {
    font-size: 2.3rem;
  }

  .referral-column h3 {
    font-size: 1.4rem;
  }
}

@media (max-width: 820px) {
  .referral-container {
    grid-template-columns: 1fr;
    gap: 2.5rem;
  }

  .divider-line {
    display: none;
  }

  .referral-column {
    text-align: left;
  }

  .referral-section {
    margin: 3rem auto;
    padding: 3rem 6%;
  }
}

@media (max-width: 480px) {
  .referral-section h2 {
    font-size: 2rem;
  }

  .referral-section .subtitle {
    font-size: 1rem;
    margin-bottom: 2rem;
  }

  .submit-btn {
    width: 100%;
    padding: 0.9rem 0;
  }
}

@media (max-width: 1024px) {
  /* HERO */
  .hero-text h1 {
    font-size: 2.5rem;
  }
  .hero-text p {
    font-size: 1.2rem;
  }

  .hero {
    height: 85vh;
  }

  .hero-center {
    padding: 0 2rem;
  }

  /* WHY */
  .why-wrapper h2 {
    font-size: 2rem;
  }
  .why-wrapper h3 {
    font-size: 1.5rem;
  }

  /* REFERRAL – stay two columns, tighten spacing */
  .referral-section {
    padding: 3rem 4%;
  }

  .referral-container {
    gap: 2rem;
  }

  .referral-section h2 {
    font-size: 2.3rem;
  }

  /* NAV */
  .top-nav {
    padding: 1rem 4%;
  }

  .logo-img {
    height: 58px;
  }

  .main-nav {
    gap: 1.5rem;
  }
}

@media (max-width: 820px) {
  /* REFERRAL – stack cleanly */
  .referral-container {
    grid-template-columns: 1fr;
    gap: 2.5rem;
  }

  .divider-line {
    display: none;
  }

  .referral-section {
    padding: 3rem 5%;
  }

  .referral-section h2 {
    font-size: 2.2rem;
  }

  /* FOOTER */
  .footer-container {
    grid-template-columns: 1fr 1fr;
    gap: 2rem;
    padding: 3rem 5%;
  }

  .branch-toggle {
    flex-direction: column;
  }
}

@media (max-width: 900px) {
  /* NAV */
  .hamburger {
    display: flex;
  }

  .main-nav {
    position: fixed;
    top: 80px;
    right: 0;
    width: 100%;
    height: calc(100vh - 80px);
    background: var(--navy);
    flex-direction: column;
    align-items: center;
    padding-top: 3rem;
    transform: translateX(100%);
  }

  .main-nav.active {
    transform: translateX(0);
  }

  .main-nav a,
  .dropbtn {
    font-size: 1.2rem;
    padding: 0.8rem 0;
  }

  .dropdown-content {
    position: static;
    background: transparent;
    box-shadow: none;
    margin-top: 1rem;
  }

  /* MAGAZINE */
  .magazine-section h1 {
    font-size: 2.4rem;
  }

  .magazine-section p {
    font-size: 1rem;
  }

  .magazine-embed iframe {
    height: 70vh;
  }
}

@media (max-width: 480px) {
  /* GLOBAL */
  .top-nav,
  .about,
  .footer-container {
    padding-left: 3%;
    padding-right: 3%;
  }

  /* HERO */
  .hero-center {
    padding: 3rem 1.5rem;
  }

  .hero-text h1 {
    font-size: 1.8rem;
  }

  .hero-text p {
    font-size: 1rem;
  }

  .tagline {
    font-size: 0.75rem;
    letter-spacing: 2px;
  }

  /* REFERRAL */
  .submit-btn {
    width: 100%;
    padding: 0.9rem;
  }

  /* MAGAZINE */
  .magazine-section {
    margin-top: 3rem;
  }

  .magazine-section h1 {
    font-size: 2rem;
  }

  .magazine-embed {
    padding: 1.5rem;
  }

  .magazine-embed iframe {
    height: 60vh;
  }

  /* FOOTER */
  .footer-container {
    grid-template-columns: 1fr;
    gap: 1.5rem;
  }

  .footer-bottom {
    font-size: 0.85rem;
  }

  .footer-column h2,
  .footer-column h3 {
    font-size: 1.4rem;
  }

  .footer-column a {
    font-size: 0.95rem;
  }

  .branch-btn {
    flex: 1 1 auto;
    text-align: center;
  }
}