/* ==========================================
   CSS Variables - Color Scheme
   ========================================== */
:root {
  --nz-ink: #000000;
  --nz-foreground: #000000;
  --nz-accent: #90c298;
  --nz-gold: #ff6204;
  --nz-bg: #ffffff;
  --nz-bg-alt: #f8f2e9;
  --nz-border: #9E9E9E;
  --nz-danger: #ff6204;
  
  --font-headline: 'Poppins', sans-serif;
  --font-body: 'Montserrat', sans-serif;
  
  --spacing-xs: 0.5rem;
  --spacing-sm: 1rem;
  --spacing-md: 1.5rem;
  --spacing-lg: 3rem;
  --spacing-xl: 5rem;
  
  --border-radius: 12px;
  --shadow-sm: 0 2px 8px rgba(10, 38, 64, 0.08);
  --shadow-md: 0 4px 12px rgba(10, 38, 64, 0.12);
  --shadow-lg: 0 8px 24px rgba(10, 38, 64, 0.15);
}

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

body {
  font-family: var(--font-body);
  font-size: 16px;
  line-height: 1.6;
  color: var(--nz-ink);
  background: var(--nz-bg);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

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

a {
  color: var(--nz-accent);
  text-decoration: none;
  transition: opacity 0.2s ease;
}

a:hover {
  opacity: 0.85;
}

/* ==========================================
   Skip Link (Accessibility)
   ========================================== */
.skip-link {
  position: absolute;
  top: -40px;
  left: 0;
  background: var(--nz-accent);
  color: white;
  padding: 0.5rem 1rem;
  z-index: 10000;
  font-weight: 600;
}

.skip-link:focus {
  top: 0;
}

/* ==========================================
   Typography
   ========================================== */
.h1, .h2, .h3 {
  font-family: var(--font-headline);
  font-weight: 700;
  line-height: 1.2;
  margin-bottom: var(--spacing-md);
  color: var(--nz-ink);
}

.h1 {
  font-size: 2.5rem;
  margin-bottom: var(--spacing-md);
}

.h2 {
  font-size: 2rem;
  font-weight: 600;
  margin-bottom: var(--spacing-md);
}

.h3 {
  font-size: 1.5rem;
  font-weight: 600;
}

.lead {
  font-size: 1.25rem;
  line-height: 1.7;
  color: var(--nz-ink);
  margin-bottom: var(--spacing-md);
  font-weight: 400;
}

/* ==========================================
   Layout Utilities
   ========================================== */
.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 var(--spacing-md);
}

.section {
  padding: var(--spacing-lg) 0;
}

.u-pad-xl {
  padding: var(--spacing-xl) 0;
}

.u-pad-lg {
  padding: var(--spacing-lg) 0;
}

.u-pad-md {
  padding: var(--spacing-md) 0;
}

.u-gap-md {
  gap: var(--spacing-md);
}

.u-center {
  text-align: center;
}

.section__text {
  max-width: 700px;
  margin: 0 auto var(--spacing-md);
  font-size: 1.1rem;
  line-height: 1.7;
}

/* ==========================================
   Grid Systems
   ========================================== */
.grid-2,
.grid-3 {
  display: grid;
  gap: var(--spacing-lg);
}

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

.grid-3 {
  grid-template-columns: repeat(3, 1fr);
}

@media (max-width: 768px) {
  .grid-2,
  .grid-3 {
    grid-template-columns: 1fr;
  }
}

/* ==========================================
   Navbar
   ========================================== */
.navbar {
  position: sticky;
  top: 0;
  background: white;
  border-bottom: 1px solid var(--nz-border);
  padding: var(--spacing-sm) 0;
  z-index: 100;
}

.navbar__inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
}

.navbar__logo {
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--nz-ink);
  font-family: var(--font-headline);
}

.navbar__actions {
  display: flex;
  align-items: center;
  gap: var(--spacing-md);
}

.navbar__phone {
  color: var(--nz-ink);
  font-weight: 500;
  white-space: nowrap;
}

@media (max-width: 640px) {
  .navbar__phone {
    display: none;
  }
}

/* ==========================================
   Buttons
   ========================================== */
.btn {
  display: inline-block;
  padding: 0.875rem 2rem;
  font-family: var(--font-body);
  font-size: 1rem;
  font-weight: 600;
  text-align: center;
  border: none;
  border-radius: var(--border-radius);
  cursor: pointer;
  transition: all 0.2s ease;
  text-decoration: none;
  line-height: 1.4;
  white-space: nowrap;
}

.btn:focus-visible {
  outline: 3px solid var(--nz-accent);
  outline-offset: 2px;
}

.btn--primary {
  background: var(--nz-accent);
  color: white;
  box-shadow: var(--shadow-sm);
}

.btn--primary:hover {
  transform: scale(1.02);
  box-shadow: var(--shadow-md);
  opacity: 1;
}

.btn--secondary {
  background: var(--nz-gold);
  color: white;
  box-shadow: var(--shadow-sm);
}

.btn--secondary:hover {
  transform: scale(1.02);
  box-shadow: var(--shadow-md);
  opacity: 1;
}

.btn--ghost {
  background: transparent;
  color: var(--nz-ink);
  border: 2px solid var(--nz-border);
}

.btn--ghost:hover {
  border-color: var(--nz-ink);
  transform: scale(1.02);
  opacity: 1;
}

.btn--lg {
  padding: 1.125rem 2.5rem;
  font-size: 1.125rem;
  font-weight: 700;
}

.btn--sm {
  padding: 0.625rem 1.5rem;
  font-size: 0.9rem;
}

.btn--full {
  width: 100%;
}

/* ==========================================
   Badges
   ========================================== */
.badge-group {
  display: flex;
  flex-wrap: wrap;
  gap: var(--spacing-xs);
  margin-bottom: var(--spacing-md);
}

.badge {
  display: inline-block;
  padding: 0.5rem 1rem;
  background: var(--nz-bg-alt);
  color: var(--nz-ink);
  font-size: 0.875rem;
  font-weight: 500;
  border-radius: 50px;
  border: 1px solid var(--nz-border);
  white-space: nowrap;
}

.badge--gold {
  background: var(--nz-gold);
  color: white;
  border-color: var(--nz-gold);
  font-weight: 600;
}

.badge--highlight {
  background: #e74c3c;
  color: white;
  border-color: #e74c3c;
  font-weight: 700;
  animation: pulse 2s infinite;
}

@keyframes pulse {
  0%, 100% { transform: scale(1); }
  50% { transform: scale(1.05); }
}

.badge--countdown {
  background: var(--nz-accent);
  color: white;
  border-color: var(--nz-accent);
}

/* ==========================================
   Cards
   ========================================== */
.card {
  background: white;
  border-radius: var(--border-radius);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  transition: box-shadow 0.2s ease;
}

.card img {
  width: 100%;
  height: auto;
  aspect-ratio: 3/2;
  object-fit: cover;
}

.card__number {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 3rem;
  height: 3rem;
  background: var(--nz-accent);
  color: white;
  font-size: 1.5rem;
  font-weight: 700;
  font-family: var(--font-headline);
  border-radius: 50%;
  margin-bottom: var(--spacing-sm);
}

.card__title {
  font-family: var(--font-headline);
  font-size: 1.25rem;
  font-weight: 700;
  color: var(--nz-ink);
  margin-bottom: var(--spacing-xs);
}

.card__text {
  color: var(--nz-ink);
  line-height: 1.6;
}

.grid-3 .card {
  padding: var(--spacing-md);
}

/* ==========================================
   CTA Groups
   ========================================== */
.cta-group {
  display: flex;
  flex-wrap: wrap;
  gap: var(--spacing-sm);
  margin-top: var(--spacing-md);
}

/* ==========================================
   Hero Section
   ========================================== */
.hero__content {
  display: flex;
  flex-direction: column;
  justify-content: center;
}

.hero__image {
  display: flex;
  align-items: center;
}

/* ==========================================
   Benefits Section
   ========================================== */
.benefit-item {
  display: flex;
  gap: var(--spacing-sm);
  margin-bottom: var(--spacing-md);
  align-items: flex-start;
}

.benefit-item__icon {
  font-size: 1.5rem;
  flex-shrink: 0;
}

.benefit-item__content {
  line-height: 1.6;
}

.partners {
  display: flex;
  flex-direction: column;
  justify-content: center;
}

.bank-image {
  border-radius: var(--border-radius);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  margin-bottom: var(--spacing-sm);
  max-width: 400px;
  margin-left: auto;
  margin-right: auto;
}

.bank-image img {
  width: 100%;
  height: auto;
  display: block;
}

.partners__note {
  font-size: 0.875rem;
  color: #7a7a7a;
  text-align: center;
  font-style: italic;
}

/* ==========================================
   FAQ Section
   ========================================== */
.faq {
  max-width: 800px;
  margin: 0 auto;
}

.faq-item {
  border-bottom: 1px solid var(--nz-border);
}

.faq-item__question {
  width: 100%;
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: var(--spacing-md) 0;
  background: none;
  border: none;
  font-family: var(--font-body);
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--nz-ink);
  text-align: left;
  cursor: pointer;
  transition: color 0.2s ease;
}

.faq-item__question:hover {
  color: var(--nz-accent);
}

.faq-item__question:focus-visible {
  outline: 2px solid var(--nz-accent);
  outline-offset: 4px;
}

.faq-item__icon {
  font-size: 1.5rem;
  font-weight: 300;
  color: var(--nz-accent);
  transition: transform 0.3s ease;
}

.faq-item__question[aria-expanded="true"] .faq-item__icon {
  transform: rotate(45deg);
}

.faq-item__answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.3s ease;
}

.faq-item__answer p {
  padding-bottom: var(--spacing-md);
  line-height: 1.7;
}

/* ==========================================
   Form
   ========================================== */
.form-wrapper {
  width: 100%;
  display: flex;
  justify-content: center;
  align-items: center;
}

.card--form {
  padding: var(--spacing-lg);
  width: 100%;
  max-width: 700px;
}

.form__subtitle {
  margin-bottom: var(--spacing-lg);
  color: var(--nz-ink);
}

.form__group {
  margin-bottom: var(--spacing-md);
}

.form__label {
  display: block;
  margin-bottom: 0.5rem;
  font-weight: 700;
  color: var(--nz-ink);
}

.required {
  color: var(--nz-danger);
}

.form__input,
.form__select {
  width: 100%;
  padding: 0.875rem 1rem;
  font-family: var(--font-body);
  font-size: 1rem;
  border: 2px solid var(--nz-border);
  border-radius: 8px;
  transition: border-color 0.2s ease;
  background: white;
}

.form__input:focus,
.form__select:focus {
  outline: none;
  border-color: var(--nz-accent);
}

.form__input:invalid:not(:placeholder-shown),
.form__select:invalid:not(:placeholder-shown) {
  border-color: var(--nz-danger);
}

.form__group--checkbox {
  margin-top: var(--spacing-md);
}

.checkbox {
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  cursor: pointer;
}

.checkbox input[type="checkbox"] {
  margin-top: 0.25rem;
  width: 1.25rem;
  height: 1.25rem;
  cursor: pointer;
  flex-shrink: 0;
}

.checkbox__label {
  font-size: 0.9rem;
  line-height: 1.5;
  color: var(--nz-ink);
}

.link {
  color: var(--nz-accent);
  text-decoration: underline;
}

.form__error {
  margin-bottom: var(--spacing-md);
  padding: var(--spacing-sm);
  background: #ffe6e6;
  color: var(--nz-danger);
  border-radius: 8px;
  font-weight: 500;
  display: none;
}

.form__error.visible {
  display: block;
}

.iframe-container {
  width: 80%;
  margin: 0 auto;
  overflow: hidden;
  position: relative;
}

.iframe-container iframe {
  width: 300%;
  max-width: 300%;
  margin-left: -160%;
  display: block;
}

@media (max-width: 830px) {
  .iframe-container {
    width: 100%;
    overflow: hidden;
  }
 
  .iframe-container iframe {
    height: 800px; /* Adjust height as needed */
    width: 100% !important;      /* Changed from 150% */
    max-width: 100% !important;  /* Changed from 150% */
    margin-left: 0 !important;   /* Changed from -25% */
    display: block;
  }
}

/* ==========================================
   Success Message
   ========================================== */
.success-message {
  text-align: center;
  padding: var(--spacing-lg);
}

.success-message__icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 4rem;
  height: 4rem;
  background: var(--nz-accent);
  color: white;
  font-size: 2rem;
  font-weight: 700;
  border-radius: 50%;
  margin-bottom: var(--spacing-md);
}

.success-message p {
  margin-bottom: var(--spacing-md);
}

/* ==========================================
   Sticky CTA Bar
   ========================================== */
.sticky-cta {
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  background: white;
  border-top: 1px solid var(--nz-border);
  box-shadow: 0 -4px 12px rgba(10, 38, 64, 0.1);
  padding: var(--spacing-sm) 0;
  z-index: 99;
  transform: translateY(100%);
  transition: transform 0.3s ease;
}

.sticky-cta.visible {
  transform: translateY(0);
}

.sticky-cta__content {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: var(--spacing-sm);
}

.sticky-cta__text {
  font-weight: 700;
  color: var(--nz-ink);
}

@media (max-width: 640px) {
  .sticky-cta__content {
    flex-direction: column;
    text-align: center;
  }
}

/* ==========================================
   Footer
   ========================================== */
.footer {
  background: var(--nz-ink);
  color: white;
  padding: var(--spacing-lg) 0 var(--spacing-md);
}

.footer__content {
  display: flex;
  justify-content: space-between;
  gap: var(--spacing-lg);
  margin-bottom: var(--spacing-md);
}

.footer__contact p {
  margin-bottom: 0.5rem;
}

.footer__contact a {
  color: white;
}

.footer__links {
  display: flex;
  gap: var(--spacing-md);
  flex-wrap: wrap;
}

.footer__link {
  color: white;
  text-decoration: underline;
}

.footer__note {
  padding-top: var(--spacing-md);
  border-top: 1px solid rgba(255, 255, 255, 0.2);
  font-size: 0.875rem;
  opacity: 0.8;
}

@media (max-width: 640px) {
  .footer__content {
    flex-direction: column;
  }
}

/* ==========================================
   Responsive Typography
   ========================================== */
@media (max-width: 768px) {
  .h1 {
    font-size: 2rem;
  }

  .h2 {
    font-size: 1.75rem;
  }

  .h3 {
    font-size: 1.25rem;
  }

  .lead {
    font-size: 1.1rem;
  }
}

@media (max-width: 480px) {
  .h1 {
    font-size: 1.75rem;
  }

  .h2 {
    font-size: 1.5rem;
  }
}