/* ===== ACS Finance Plc — Premium Financial Website ===== */

@import url('https://fonts.googleapis.com/css2?family=Inter:wght@400;500;600;700;800&family=Playfair+Display:wght@700&display=swap');

/* ===== CSS Variables ===== */
:root {
  --navy: #0B1E3C;
  --navy-light: #132B4D;
  --gold: #C8A45E;
  --gold-light: #D4B97A;
  --white: #FFFFFF;
  --off-white: #F5F5F3;
  --surface: #FAFAF8;
  --text-primary: #1A1A2E;
  --text-secondary: #6B7280;
  --text-muted: #9CA3AF;
  --border: #E5E5E0;
  --success: #10B981;
  --container-max: 1200px;
  --section-padding: 100px;
  --container-padding: 24px;
}

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

html { scroll-behavior: smooth; }

body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
  font-size: 16px;
  line-height: 1.7;
  color: var(--text-primary);
  background: var(--white);
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

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

a { text-decoration: none; color: inherit; transition: color 0.2s ease; }

/* ===== Typography ===== */
.font-display { font-family: 'Playfair Display', serif; }

.text-display { font-family: 'Playfair Display', serif; font-size: clamp(40px, 5vw, 64px); font-weight: 700; letter-spacing: -0.02em; line-height: 1.1; }
.text-h1 { font-size: clamp(32px, 4vw, 48px); font-weight: 800; letter-spacing: -0.02em; line-height: 1.15; }
.text-h2 { font-size: clamp(26px, 3vw, 36px); font-weight: 700; letter-spacing: -0.01em; line-height: 1.2; }
.text-h3 { font-size: clamp(20px, 2vw, 24px); font-weight: 600; line-height: 1.3; }
.text-h4 { font-size: 18px; font-weight: 600; line-height: 1.4; }
.text-body-lg { font-size: 18px; font-weight: 400; line-height: 1.7; }
.text-body { font-size: 16px; font-weight: 400; line-height: 1.7; }
.text-body-sm { font-size: 14px; font-weight: 400; line-height: 1.6; }
.text-label { font-size: 12px; font-weight: 600; letter-spacing: 0.08em; text-transform: uppercase; }
.text-nav { font-size: 14px; font-weight: 500; letter-spacing: 0.02em; }
.text-stat { font-size: clamp(36px, 4vw, 56px); font-weight: 800; letter-spacing: -0.03em; line-height: 1; }

/* ===== Layout ===== */
.container { max-width: var(--container-max); margin: 0 auto; padding: 0 var(--container-padding); }
.container-full { max-width: 1440px; margin: 0 auto; padding: 0 var(--container-padding); }
.container-sm { max-width: 800px; margin: 0 auto; padding: 0 var(--container-padding); }

.section { padding: var(--section-padding) 0; }
.section-navy { background: var(--navy); color: var(--white); }
.section-offwhite { background: var(--off-white); }
.section-white { background: var(--white); }

/* ===== Gold Bar Accent ===== */
.gold-bar {
  display: inline-block;
  width: 4px;
  height: 28px;
  background: var(--gold);
  margin-right: 12px;
  vertical-align: middle;
}

/* ===== Section Header ===== */
.section-header { text-align: center; margin-bottom: 48px; }
.section-header-left { text-align: left; }
.section-label { color: var(--gold); margin-bottom: 16px; display: inline-flex; align-items: center; }
.section-label-white { color: var(--gold); }
.section-title { color: var(--text-primary); }
.section-title-white { color: var(--white); }
.section-underline {
  width: 60px;
  height: 3px;
  background: var(--gold);
  margin: 16px auto 24px;
}
.section-underline-left { margin: 16px 0 24px; }

/* ===== Buttons ===== */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 14px 32px;
  font-family: 'Inter', sans-serif;
  font-size: 14px;
  font-weight: 600;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  cursor: pointer;
  transition: all 0.3s ease;
  border: none;
}

.btn-primary {
  background: var(--gold);
  color: var(--white);
}
.btn-primary:hover {
  background: var(--gold-light);
  transform: translateY(-2px);
  box-shadow: 0 8px 20px rgba(200, 164, 94, 0.3);
}

.btn-secondary {
  background: transparent;
  color: var(--gold);
  border: 1px solid var(--gold);
}
.btn-secondary:hover {
  background: var(--gold);
  color: var(--white);
}

.btn-white {
  background: transparent;
  color: var(--white);
  border: 1px solid rgba(255,255,255,0.4);
}
.btn-white:hover {
  background: rgba(255,255,255,0.1);
  border-color: var(--white);
}

/* ===== Footer Download Button ===== */
.footer-btn {
  margin-top: 24px;
}

.btn-download {
  background: transparent;
  color: var(--gold);
  border: 1px solid var(--gold);
  padding: 10px 24px;
  font-size: 13px;
  font-weight: 600;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  cursor: pointer;
  transition: all 0.3s ease;
  display: inline-flex;
  align-items: center;
  gap: 8px;
}

.btn-download:hover {
  background: var(--gold);
  color: var(--navy);
  transform: translateY(-2px);
}

/* ===== Cards ===== */
.card {
  background: var(--white);
  border: 1px solid var(--border);
  padding: 40px;
  transition: all 0.3s ease;
}
.card:hover {
  box-shadow: 0 8px 32px rgba(0,0,0,0.08);
  transform: translateY(-4px);
}

.card-dark {
  background: var(--navy-light);
  border: 1px solid rgba(255,255,255,0.08);
}

.card-surface {
  background: var(--surface);
  border: 1px solid var(--border);
}

/* ===== Stat Card ===== */
.stat-card { text-align: center; padding: 32px 24px; }
.stat-card-number { font-size: clamp(36px, 4vw, 48px); font-weight: 800; color: var(--gold); letter-spacing: -0.03em; line-height: 1; }
.stat-card-number-white { color: var(--white); }
.stat-card-label { font-size: 14px; font-weight: 500; color: var(--text-secondary); margin-top: 8px; letter-spacing: 0.04em; text-transform: uppercase; }
.stat-card-label-white { color: rgba(255,255,255,0.7); }
.stat-card-sublabel { font-size: 13px; color: var(--text-muted); margin-top: 4px; }
.stat-card-sublabel-white { color: rgba(255,255,255,0.5); }

/* ===== Glass Card (Hero Stats) ===== */
.glass-card {
  background: rgba(255,255,255,0.08);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
  border: 1px solid rgba(255,255,255,0.12);
  padding: 20px 28px;
  min-width: 140px;
  text-align: center;
}

/* ===== Text Justification ===== */
.text-justify {
    text-align: justify;
}

/* ===== Navigation ===== */
#mainNavbar {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 50;
  height: 80px;
  display: flex;
  align-items: center;
  transition: all 0.4s ease;
  background: transparent;
  border-bottom: 1px solid rgba(255,255,255,0.15);
}

#mainNavbar.scrolled {
  background: rgba(255,255,255,0.95);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--border);
}

#mainNavbar.scrolled .nav-link { color: var(--text-primary); }
#mainNavbar.scrolled .nav-link:hover { color: var(--gold); }
#mainNavbar.scrolled .nav-link.active { color: var(--gold); }

.navbar-inner {
  max-width: var(--container-max);
  margin: 0 auto;
  padding: 0 var(--container-padding);
  width: 100%;
  display: flex;
  justify-content: space-between;
  align-items: center;
}

.nav-logo img { height: 48px; width: auto; }

.nav-links {
  display: flex;
  align-items: center;
  gap: 32px;
}

.nav-link {
  font-size: 14px;
  font-weight: 500;
  letter-spacing: 0.02em;
  color: rgba(255,255,255,0.9);
  padding: 8px 0;
  position: relative;
  transition: color 0.2s ease;
}

.nav-link:hover { color: var(--gold); }
.nav-link.active { color: var(--gold); }
.nav-link.active::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  height: 2px;
  background: var(--gold);
}

.nav-toggle {
  display: none;
  background: none;
  border: none;
  cursor: pointer;
  padding: 8px;
}

.nav-toggle span {
  display: block;
  width: 24px;
  height: 2px;
  background: currentColor;
  margin: 5px 0;
  transition: all 0.3s ease;
}

/* ===== Footer ===== */
.site-footer {
  background: var(--white);
  padding-top: 80px;
}

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1.5fr;
  gap: 48px;
  padding-bottom: 48px;
}

.footer-logo img { height: 56px; width: auto; margin-bottom: 16px; }
.footer-tagline { font-size: 14px; color: var(--text-secondary); line-height: 1.6; max-width: 280px; }

.footer-heading {
  font-size: 14px;
  font-weight: 600;
  color: var(--text-primary);
  margin-bottom: 20px;
  letter-spacing: 0.02em;
}

.footer-links { list-style: none; }
.footer-links li { margin-bottom: 12px; }
.footer-links a {
  font-size: 14px;
  color: var(--text-secondary);
  transition: color 0.2s ease;
}
.footer-links a:hover { color: var(--gold); }

.footer-contact { font-size: 14px; color: var(--text-secondary); line-height: 1.8; }
.footer-contact a { color: var(--text-secondary); }
.footer-contact a:hover { color: var(--gold); }

.footer-bottom {
  border-top: 1px solid var(--border);
  padding: 24px 0;
  display: flex;
  justify-content: space-between;
  align-items: center;
}

.footer-copyright { font-size: 12px; color: var(--text-muted); }
.footer-badge { font-size: 12px; color: var(--text-muted); display: flex; align-items: center; gap: 8px; }
.footer-badge-dot { width: 8px; height: 8px; background: var(--gold); border-radius: 50%; }

/* Disclaimer bar */
.footer-disclaimer {
  background: var(--text-primary);
  padding: 40px 0;
}
.footer-disclaimer h4 {
  font-size: 14px;
  font-weight: 600;
  color: var(--gold);
  margin-bottom: 8px;
}
.footer-disclaimer p {
  font-size: 13px;
  color: var(--text-muted);
  line-height: 1.7;
  margin-bottom: 16px;
}

/* ===== BBB Floating Badge ===== */
.bbb-badge {
  position: fixed;
  bottom: 24px;
  right: 24px;
  z-index: 50;
  background: var(--text-primary);
  color: var(--white);
  padding: 12px 20px;
  border-radius: 9999px;
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 13px;
  font-weight: 500;
  box-shadow: 0 8px 24px rgba(0,0,0,0.2);
}

.bbb-badge-dot {
  width: 8px;
  height: 8px;
  background: var(--gold);
  border-radius: 50%;
  animation: pulse 2s infinite;
}

@keyframes pulse {
  0%, 100% { opacity: 1; }
  50% { opacity: 0.5; }
}

.bbb-badge-sep { color: rgba(255,255,255,0.4); }
.bbb-badge-grade { font-weight: 700; }
.bbb-badge-sub { color: rgba(255,255,255,0.4); font-size: 11px; }

/* ===== Hero ===== */
.hero {
  min-height: 100vh;
  position: relative;
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--navy);
  overflow: hidden;
}

.hero-bg {
  position: absolute;
  inset: 0;
  background-size: cover;
  background-position: center;
  opacity: 0.35;
}

.hero-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(11,30,60,0.09) 0%, rgba(11,30,60,0.05) 50%, rgba(11,30,60,0.07) 100%);
}

.hero-orb {
  position: absolute;
  border-radius: 50%;
  background: rgba(200, 164, 94, 0.06);
  filter: blur(60px);
  animation: float 20s infinite ease-in-out;
}

.hero-orb-1 { width: 400px; height: 400px; top: 10%; left: -5%; animation-delay: 0s; }
.hero-orb-2 { width: 350px; height: 350px; bottom: 10%; right: -5%; animation-delay: -10s; }

@keyframes float {
  0%, 100% { transform: translateY(0) translateX(0); }
  50% { transform: translateY(-20px) translateX(10px); }
}

.hero-content {
  position: relative;
  z-index: 2;
  text-align: center;
  max-width: 900px;
  padding: 0 var(--container-padding);
}

.hero-label {
  color: var(--gold);
  margin-bottom: 24px;
  letter-spacing: 0.12em;
}

.hero-title {
  color: var(--white);
  margin-bottom: 20px;
}

.hero-subtitle {
  color: rgba(255,255,255,0.8);
  max-width: 640px;
  margin: 0 auto;
}

.hero-stats {
  display: flex;
  justify-content: center;
  gap: 24px;
  margin-top: 48px;
  flex-wrap: wrap;
}

.hero-stat-number { font-size: 28px; font-weight: 700; color: var(--white); }
.hero-stat-label { font-size: 12px; color: rgba(255,255,255,0.6); letter-spacing: 0.04em; text-transform: uppercase; margin-top: 4px; }

.hero-ctas {
  display: flex;
  justify-content: center;
  gap: 16px;
  margin-top: 40px;
  flex-wrap: wrap;
}

/* Compact hero for sub-pages */
.hero-compact {
  min-height: 50vh;
  padding-top: 80px;
}
.hero-compact-sm { min-height: 40vh; }

/* ===== Grid Layouts ===== */
.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 32px; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
.grid-5 { display: grid; grid-template-columns: repeat(5, 1fr); gap: 48px; }

/* ===== Partner Logos ===== */
.partner-logo-container {
  background: var(--surface);
  border: 1px solid var(--border);
  padding: 20px;
  height: 120px;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: all 0.3s ease;
}
.partner-logo-container:hover {
  border-color: var(--gold);
  box-shadow: 0 4px 16px rgba(0,0,0,0.06);
}
.partner-logo-container img {
  max-width: 100%;
  max-height: 60px;
  object-fit: contain;
  filter: grayscale(100%) opacity(0.7);
  transition: all 0.3s ease;
}
.partner-logo-container:hover img {
  filter: grayscale(0%) opacity(1);
}
.partner-name {
  text-align: center;
  font-size: 13px;
  font-weight: 500;
  color: var(--text-secondary);
  margin-top: 12px;
}

/* ===== Director Cards ===== */
.director-card { text-align: center; padding: 32px 24px; }
.director-card img {
  width: 120px;
  height: 120px;
  border-radius: 50%;
  object-fit: cover;
  margin: 0 auto;
  border: 3px solid var(--gold);
}
.director-name { font-size: 18px; font-weight: 600; color: var(--text-primary); margin-top: 20px; }
.director-title { font-size: 14px; font-weight: 500; color: var(--gold); margin-top: 4px; }
.director-bio { font-size: 14px; color: var(--text-secondary); margin-top: 12px; line-height: 1.6; }

/* ===== Directors Grid Centering ===== */
.directors-grid-bottom {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 24px;
  max-width: 768px;
  margin: 0 auto;
  justify-content: center;
}

/* Responsive adjustments for directors section */
@media (max-width: 768px) {
  .directors-grid-bottom {
    grid-template-columns: 1fr;
    max-width: 400px;
  }
}

/* ===== Content Cards ===== */
.content-card { padding: 40px; }
.content-card-icon { color: var(--gold); margin-bottom: 16px; }
.content-card h3 { margin-bottom: 12px; }
.content-card p { color: var(--text-secondary); }

/* ===== Image styles ===== */
.img-cover { width: 100%; height: 100%; object-fit: cover; }
.img-shadow { box-shadow: 0 8px 32px rgba(0,0,0,0.12); }

/* ===== Link with arrow ===== */
.link-arrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  color: var(--gold);
  font-size: 14px;
  font-weight: 600;
  transition: all 0.2s ease;
}
.link-arrow:hover { gap: 12px; }
.link-arrow svg { width: 16px; height: 16px; }

/* ===== Fade-up animation ===== */
.fade-up {
  opacity: 0;
  transform: translateY(40px);
  transition: opacity 0.7s cubic-bezier(0.16, 1, 0.3, 1), transform 0.7s cubic-bezier(0.16, 1, 0.3, 1);
}
.fade-up.visible { opacity: 1; transform: translateY(0); }

/* Stagger delays */
.fade-up-delay-1 { transition-delay: 0.1s; }
.fade-up-delay-2 { transition-delay: 0.2s; }
.fade-up-delay-3 { transition-delay: 0.3s; }
.fade-up-delay-4 { transition-delay: 0.4s; }
.fade-up-delay-5 { transition-delay: 0.5s; }

/* ===== Timeline ===== */
.timeline { position: relative; padding-left: 32px; }
.timeline::before {
  content: '';
  position: absolute;
  left: 0;
  top: 0;
  bottom: 0;
  width: 2px;
  background: var(--border);
}
.timeline-item {
  position: relative;
  padding-bottom: 32px;
}
.timeline-item::before {
  content: '';
  position: absolute;
  left: -36px;
  top: 4px;
  width: 10px;
  height: 10px;
  border-radius: 50%;
  background: var(--gold);
  border: 2px solid var(--white);
}
.timeline-date {
  font-size: 14px;
  font-weight: 600;
  color: var(--gold);
  margin-bottom: 4px;
}
.timeline-text { font-size: 16px; color: var(--text-secondary); }

/* ===== Table/List for Terms ===== */
.terms-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  padding: 16px 0;
  border-bottom: 1px solid var(--border);
}
.terms-row:nth-child(odd) { background: var(--surface); }
.terms-label { font-weight: 600; color: var(--text-primary); padding: 0 24px; }
.terms-value { color: var(--text-secondary); padding: 0 24px; }

/* ===== Client Pills ===== */
.pills { display: flex; flex-wrap: wrap; gap: 16px; }
.pill {
  background: var(--off-white);
  border: 1px solid var(--border);
  padding: 12px 24px;
  font-size: 14px;
  font-weight: 500;
  color: var(--text-primary);
}

/* ===== Scrollbar ===== */
::-webkit-scrollbar { width: 8px; }
::-webkit-scrollbar-track { background: var(--off-white); }
::-webkit-scrollbar-thumb { background: var(--text-muted); border-radius: 4px; }
::-webkit-scrollbar-thumb:hover { background: var(--text-secondary); }

/* ===== Responsive ===== */
@media (max-width: 1024px) {
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .grid-5 { grid-template-columns: repeat(3, 1fr); }
}

@media (max-width: 768px) {
  :root { --section-padding: 60px; }

  .grid-2, .grid-3, .grid-4, .grid-5 { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; gap: 32px; }
  .footer-bottom { flex-direction: column; gap: 12px; text-align: center; }

  .nav-links {
    display: none;
    position: absolute;
    top: 80px;
    left: 0;
    right: 0;
    background: rgba(255,255,255,0.98);
    flex-direction: column;
    padding: 24px;
    gap: 16px;
    border-bottom: 1px solid var(--border);
  }
  .nav-links.active { display: flex; }
  .nav-links .nav-link { color: var(--text-primary); }
  .nav-toggle { display: block; color: var(--white); }
  #mainNavbar.scrolled .nav-toggle { color: var(--text-primary); }

  .hero-stats { gap: 12px; }
  .glass-card { min-width: 120px; padding: 16px 20px; }

  .bbb-badge { bottom: 16px; right: 50%; transform: translateX(50%); }
}

@media (max-width: 480px) {
  .hero-ctas { flex-direction: column; align-items: center; }
  .hero-ctas .btn { width: 100%; max-width: 280px; }
}

/* Desktop large - make grid-5 show 6 columns for partners */
@media (min-width: 1200px) {
  .grid-5 {
    grid-template-columns: repeat(6, 1fr);
    gap: 32px;
  }
}

/* ===== Video Intro Overlay ===== */
.video-intro {
    position: fixed;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    z-index: 9999;
    background: #000;
    display: flex;
    align-items: center;
    justify-content: center;
    transition: opacity 0.8s ease-in-out;
}

.video-intro.hide-video {
    opacity: 0;
    visibility: hidden;
    pointer-events: none;
}

.video-iframe-wrapper {
    position: relative;
    width: 100%;
    height: 100%;
}

#introVideo {
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    border: none;
}

/* Skip button - ensure it's above the video */
.skip-intro-btn {
    position: fixed;
    bottom: 24px;
    right: 24px;
    z-index: 10000;
    background: rgba(0, 0, 0, 0.6);
    backdrop-filter: blur(8px);
    -webkit-backdrop-filter: blur(8px);
    border: 1px solid rgba(255, 255, 255, 0.2);
    color: rgba(255, 255, 255, 0.8);
    padding: 10px 20px;
    border-radius: 40px;
    font-size: 13px;
    font-weight: 500;
    letter-spacing: 0.03em;
    cursor: pointer;
    transition: all 0.3s ease;
    font-family: 'Inter', sans-serif;
}

.skip-intro-btn:hover {
    background: rgba(0, 0, 0, 0.8);
    color: var(--gold);
    border-color: var(--gold);
}

/* Skip button */
.skip-intro-btn {
    position: fixed;
    bottom: 24px;
    right: 24px;
    z-index: 1001;
    background: rgba(0, 0, 0, 0.6);
    backdrop-filter: blur(8px);
    -webkit-backdrop-filter: blur(8px);
    border: 1px solid rgba(255, 255, 255, 0.2);
    color: rgba(255, 255, 255, 0.8);
    padding: 10px 20px;
    border-radius: 40px;
    font-size: 13px;
    font-weight: 500;
    letter-spacing: 0.03em;
    cursor: pointer;
    transition: all 0.3s ease;
    font-family: 'Inter', sans-serif;
}

    .skip-intro-btn:hover {
        background: rgba(0, 0, 0, 0.8);
        color: var(--gold);
        border-color: var(--gold);
    }

/* Replay button (subtle) */
.replay-intro-btn {
    position: fixed;
    bottom: 24px;
    left: 24px;
    z-index: 50;
    background: rgba(0, 0, 0, 0.4);
    backdrop-filter: blur(4px);
    -webkit-backdrop-filter: blur(4px);
    border: 1px solid rgba(255, 255, 255, 0.15);
    color: rgba(255, 255, 255, 0.6);
    width: 40px;
    height: 40px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    cursor: pointer;
    transition: all 0.3s ease;
    opacity: 0;
    visibility: hidden;
    transition: opacity 0.3s ease, visibility 0.3s ease, background 0.3s ease;
}

    .replay-intro-btn.show {
        opacity: 1;
        visibility: visible;
    }

    .replay-intro-btn:hover {
        background: rgba(0, 0, 0, 0.7);
        color: var(--gold);
        border-color: var(--gold);
    }

/* Hero hidden initially */
.hero-hidden {
    opacity: 0;
    visibility: hidden;
    transition: opacity 0.8s ease-in-out, visibility 0.8s ease-in-out;
}

.hero-visible {
    opacity: 1 !important;
    visibility: visible !important;
}

/* Ensure hero section has proper z-index during transition */
.hero {
    transition: opacity 0.8s ease-in-out, visibility 0.8s ease-in-out;
}