/* Base Styles */
:root {
    /* Primary Colors */
    --primary-color: #203A60; /* Dark Blue - Primary Corporate Color */
    --accent-color: #D4AF37; /* Gold Accent */
    --accent-color-light: #E4C760;
    
    /* Background Colors */
    --bg-light: #F8F5EB; /* Light Beige */
    --bg-white: #FFFFFF; /* White */
    --bg-gray: #F5F5F5; /* Light Gray */
    
    /* 2025 Trendy Colors */
    --mint-accent: #4ECDC4; /* Mint - Fresh 2025 Accent */
    --turquoise-accent: #7FDBDA; /* Light Turquoise - Additional 2025 Accent */
    
    /* Text Colors */
    --text-dark: #333333; /* Dark Gray for Text */
    --text-medium: #666666; /* Medium Gray for Secondary Text */
    --text-light: #999999; /* Light Gray for Tertiary Text */
    --text-white: #FFFFFF; /* White Text */
    
    /* UI Component Colors */
    --error-color: #E53935; /* Red for Errors */
    --success-color: #43A047; /* Green for Success */
    --warning-color: #FFA000; /* Amber for Warnings */
    --info-color: #1E88E5; /* Blue for Information */
    
    /* Shadows */
    --shadow-sm: 0 2px 4px rgba(0, 0, 0, 0.05);
    --shadow-md: 0 4px 8px rgba(0, 0, 0, 0.1);
    --shadow-lg: 0 8px 16px rgba(0, 0, 0, 0.1);
    
    /* Border Radius */
    --border-radius-sm: 4px;
    --border-radius-md: 8px;
    --border-radius-lg: 16px;
    --border-radius-xl: 24px;
    
    /* Spacing */
    --spacing-xs: 4px;
    --spacing-sm: 8px;
    --spacing-md: 16px;
    --spacing-lg: 24px;
    --spacing-xl: 32px;
    --spacing-xxl: 48px;
    --spacing-xxxl: 64px;
    
    /* Transitions */
    --transition-fast: 0.2s ease;
    --transition-medium: 0.3s ease;
    --transition-slow: 0.5s ease;
    
    /* Container Width */
    --container-width: 1200px;
    
    /* Z-Index Layers */
    --z-index-dropdown: 1000;
    --z-index-sticky: 1020;
    --z-index-fixed: 1030;
    --z-index-modal-backdrop: 1040;
    --z-index-modal: 1050;
    --z-index-popover: 1060;
    --z-index-tooltip: 1070;
}

* {
    margin: 0;
    padding: 0;
    box-sizing: border-box;
}

html {
    scroll-behavior: smooth;
}

body {
    font-family: 'Nunito', sans-serif;
    color: var(--text-dark);
    line-height: 1.6;
    background-color: var(--bg-light);
    overflow-x: hidden;
}

a {
    color: var(--primary-color);
    text-decoration: none;
    transition: color var(--transition-medium);
}

a:hover {
    color: var(--accent-color);
}

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

.ui.container {
    max-width: var(--container-width) !important;
    padding: 0 var(--spacing-lg);
}

h1, h2, h3, h4, h5, h6 {
    font-weight: 700;
    line-height: 1.3;
    margin-bottom: var(--spacing-md);
    color: var(--primary-color);
}

h1 {
    font-size: 2.5rem;
}

h2 {
    font-size: 2rem;
}

h3 {
    font-size: 1.5rem;
}

h4 {
    font-size: 1.25rem;
}

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

.bg-light {
    background-color: var(--bg-gray);
}

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

.align-left {
    margin-left: 0;
    margin-right: auto;
}

.ui.button {
    font-family: 'Nunito', sans-serif;
    font-weight: 600;
    border-radius: var(--border-radius-md);
    transition: all var(--transition-medium);
    text-transform: none;
    letter-spacing: 0.5px;
}

.ui.button.primary {
    background-color: var(--primary-color);
    color: var(--text-white);
}

.ui.button.primary:hover {
    background-color: var(--primary-color);
    opacity: 0.9;
}

.ui.button.secondary {
    background-color: transparent;
    color: var(--primary-color);
    border: 2px solid var(--primary-color);
}

.ui.button.secondary:hover {
    background-color: var(--primary-color);
    color: var(--text-white);
}

.ui.button.tertiary {
    background-color: transparent;
    color: var(--text-medium);
    border: 2px solid var(--text-light);
}

.ui.button.tertiary:hover {
    background-color: var(--text-light);
    color: var(--text-white);
    border-color: var(--text-light);
}

/* Section Styles */
section {
    padding: var(--spacing-xxl) 0;
    position: relative;
}

.section-header {
    text-align: center;
    margin-bottom: var(--spacing-xl);
}

.section-header h2 {
    margin-bottom: var(--spacing-sm);
}

.section-header p {
    color: var(--text-medium);
    max-width: 700px;
    margin: 0 auto var(--spacing-lg);
    font-size: 1.1rem;
}

.separator {
    width: 80px;
    height: 4px;
    background-color: var(--accent-color);
    margin: 0 auto var(--spacing-md);
    border-radius: var(--border-radius-sm);
}

.light {
    color: var(--text-white);
}

.separator.light {
    background-color: var(--text-white);
}

/* Header Styles */
.site-header {
    position: fixed;
    top: 0;
    left: 0;
    width: 100%;
    background-color: var(--bg-white);
    box-shadow: var(--shadow-sm);
    z-index: var(--z-index-fixed);
    transition: all var(--transition-medium);
}

.header-wrapper {
    display: flex;
    justify-content: space-between;
    align-items: center;
    height: 80px;
}

.logo-container {
    display: flex;
    align-items: center;
}

.logo {
    height: 40px;
    width: auto;
}

.main-menu {
    display: flex;
    list-style: none;
}

.main-menu li {
    margin-left: var(--spacing-lg);
}

.main-menu a {
    font-weight: 600;
    font-size: 1rem;
    padding: var(--spacing-sm) 0;
    position: relative;
}

.main-menu a::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    width: 0;
    height: 2px;
    background-color: var(--accent-color);
    transition: width var(--transition-medium);
}

.main-menu a:hover::after,
.main-menu a.active::after {
    width: 100%;
}

.mobile-menu-toggle {
    display: none;
    flex-direction: column;
    justify-content: space-between;
    width: 30px;
    height: 21px;
    cursor: pointer;
}

.mobile-menu-toggle span {
    display: block;
    height: 3px;
    width: 100%;
    background-color: var(--primary-color);
    border-radius: var(--border-radius-sm);
    transition: all var(--transition-medium);
}

.mobile-nav {
    display: none;
    background-color: var(--bg-white);
    box-shadow: var(--shadow-md);
    padding: var(--spacing-md) 0;
}

.mobile-menu {
    list-style: none;
    padding: 0 var(--spacing-lg);
}

.mobile-menu li {
    margin-bottom: var(--spacing-md);
}

.mobile-menu a {
    display: block;
    font-weight: 600;
    font-size: 1.1rem;
    padding: var(--spacing-sm) 0;
}

.mobile-menu a.active {
    color: var(--accent-color);
}

/* Hero Section */
.hero-section {
    padding: 140px 0 var(--spacing-xxl);
    background-color: var(--bg-white);
    position: relative;
    overflow: hidden;
}

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

.hero-text {
    flex: 1;
}

.hero-text h1 {
    font-size: 3rem;
    margin-bottom: var(--spacing-md);
    color: var(--primary-color);
}

.hero-text .subtitle {
    font-size: 1.2rem;
    color: var(--text-medium);
    margin-bottom: var(--spacing-lg);
}

.hero-image {
    flex: 1;
    position: relative;
}

.hero-image img {
    border-radius: var(--border-radius-lg);
    box-shadow: var(--shadow-lg);
}

.hero-cta {
    display: flex;
    gap: var(--spacing-md);
    margin-top: var(--spacing-lg);
}

.geometric-shapes {
    position: absolute;
    width: 100%;
    height: 100%;
    top: 0;
    left: 0;
    z-index: 0;
    overflow: hidden;
    pointer-events: none;
}

.shape {
    position: absolute;
    opacity: 0.05;
    background-color: var(--primary-color);
}

.shape-1 {
    width: 300px;
    height: 300px;
    border-radius: 50%;
    top: -150px;
    right: -100px;
}

.shape-2 {
    width: 200px;
    height: 200px;
    bottom: -50px;
    left: 10%;
    transform: rotate(45deg);
}

.shape-3 {
    width: 150px;
    height: 150px;
    border-radius: 30%;
    top: 40%;
    right: 5%;
    transform: rotate(30deg);
}

/* About Section */
.about-section {
    background-color: var(--bg-gray);
}

.about-content {
    display: flex;
    gap: var(--spacing-xl);
    align-items: center;
}

.about-text {
    flex: 1;
}

.about-text h3 {
    margin-top: var(--spacing-lg);
    color: var(--primary-color);
}

.about-stats {
    flex: 1;
    display: flex;
    flex-direction: column;
    gap: var(--spacing-lg);
}

.stat-item {
    display: flex;
    align-items: flex-start;
    gap: var(--spacing-md);
    background-color: var(--bg-white);
    padding: var(--spacing-lg);
    border-radius: var(--border-radius-md);
    box-shadow: var(--shadow-sm);
    transition: all var(--transition-medium);
}

.stat-item:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-md);
}

.stat-icon {
    width: 50px;
    height: 50px;
    display: flex;
    align-items: center;
    justify-content: center;
    background-color: var(--primary-color);
    color: var(--text-white);
    border-radius: 50%;
    font-size: 1.2rem;
}

.stat-content h4 {
    margin-bottom: var(--spacing-xs);
    color: var(--primary-color);
}

.stat-content p {
    color: var(--text-medium);
    margin-bottom: 0;
}

/* Services Section */
.services-section {
    background-color: var(--bg-white);
}

.services-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: var(--spacing-xl);
}

.service-card {
    background-color: var(--bg-gray);
    padding: var(--spacing-xl);
    border-radius: var(--border-radius-md);
    box-shadow: var(--shadow-sm);
    transition: all var(--transition-medium);
    display: flex;
    flex-direction: column;
}

.service-card:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-md);
}

.service-icon {
    width: 60px;
    height: 60px;
    display: flex;
    align-items: center;
    justify-content: center;
    background-color: var(--mint-accent);
    color: var(--text-white);
    border-radius: 50%;
    font-size: 1.5rem;
    margin-bottom: var(--spacing-md);
}

.service-card:nth-child(2n) .service-icon {
    background-color: var(--turquoise-accent);
}

.service-card:nth-child(3n) .service-icon {
    background-color: var(--accent-color);
}

.service-card h3 {
    font-size: 1.3rem;
    margin-bottom: var(--spacing-md);
    color: var(--primary-color);
}

.service-card p {
    color: var(--text-medium);
    margin-bottom: var(--spacing-lg);
}

.read-more {
    margin-top: auto;
    display: inline-flex;
    align-items: center;
    font-weight: 600;
    color: var(--primary-color);
}

.read-more i {
    margin-left: var(--spacing-xs);
    transition: transform var(--transition-medium);
}

.read-more:hover i {
    transform: translateX(5px);
}

/* Articles Section */
.articles-section {
    background-color: var(--bg-gray);
}

.articles-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: var(--spacing-xl);
}

.article-card {
    background-color: var(--bg-white);
    border-radius: var(--border-radius-md);
    overflow: hidden;
    box-shadow: var(--shadow-sm);
    transition: all var(--transition-medium);
}

.article-card:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-md);
}

.article-image {
    height: 200px;
    overflow: hidden;
}

.article-image img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    transition: transform var(--transition-medium);
}

.article-card:hover .article-image img {
    transform: scale(1.05);
}

.article-content {
    padding: var(--spacing-lg);
}

.article-date {
    font-size: 0.9rem;
    color: var(--text-light);
    margin-bottom: var(--spacing-sm);
}

.article-content h3 {
    font-size: 1.2rem;
    margin-bottom: var(--spacing-md);
    line-height: 1.4;
}

.article-content p {
    color: var(--text-medium);
    margin-bottom: var(--spacing-md);
}

/* Metrics Section */
.metrics-section {
    position: relative;
    padding: var(--spacing-xxxl) 0;
    background: url('../images/financial-future.jpg') no-repeat center center;
    background-size: cover;
    color: var(--text-white);
}

.metrics-overlay {
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background-color: rgba(32, 58, 96, 0.9); /* Primary color with transparency */
    z-index: 1;
}

.metrics-section .ui.container {
    position: relative;
    z-index: 2;
}

.metrics-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: var(--spacing-xl);
}

.metric-item {
    background-color: rgba(255, 255, 255, 0.1);
    padding: var(--spacing-xl);
    border-radius: var(--border-radius-md);
    backdrop-filter: blur(5px);
    border: 1px solid rgba(255, 255, 255, 0.2);
    transition: all var(--transition-medium);
}

.metric-item:hover {
    background-color: rgba(255, 255, 255, 0.2);
    transform: translateY(-5px);
}

.metric-item h3 {
    color: var(--accent-color);
    margin-bottom: var(--spacing-md);
    font-size: 1.3rem;
}

.metric-item p {
    color: var(--text-white);
    margin-bottom: 0;
}

/* Contact Section */
.contact-section {
    background-color: var(--bg-white);
}

.contact-wrapper {
    display: flex;
    gap: var(--spacing-xl);
}

.contact-info {
    flex: 1;
}

.contact-details {
    margin-top: var(--spacing-xl);
}

.contact-item {
    display: flex;
    align-items: flex-start;
    gap: var(--spacing-md);
    margin-bottom: var(--spacing-lg);
}

.contact-icon {
    width: 40px;
    height: 40px;
    display: flex;
    align-items: center;
    justify-content: center;
    background-color: var(--primary-color);
    color: var(--text-white);
    border-radius: 50%;
    font-size: 1rem;
}

.contact-text h4 {
    margin-bottom: var(--spacing-xs);
    color: var(--primary-color);
}

.contact-text p {
    color: var(--text-medium);
    margin-bottom: 0;
}

.contact-form-container {
    flex: 1;
}

.contact-form {
    background-color: var(--bg-gray);
    padding: var(--spacing-xl);
    border-radius: var(--border-radius-md);
    box-shadow: var(--shadow-sm);
}

.ui.form .field label {
    font-weight: 600;
    color: var(--primary-color);
    margin-bottom: var(--spacing-xs);
}

.ui.form input,
.ui.form textarea,
.ui.form .dropdown {
    border: 1px solid rgba(32, 58, 96, 0.2);
    border-radius: var(--border-radius-sm);
    transition: all var(--transition-medium);
}

.ui.form input:focus,
.ui.form textarea:focus,
.ui.form .dropdown.active {
    border-color: var(--primary-color);
}

.ui.checkbox label {
    font-size: 0.9rem;
}

.ui.checkbox label a {
    text-decoration: underline;
}

/* Footer */
.site-footer {
    background-color: var(--primary-color);
    color: var(--text-white);
    padding: var(--spacing-xxl) 0 var(--spacing-xl);
}

.footer-content {
    display: flex;
    flex-wrap: wrap;
    gap: var(--spacing-xxl);
    margin-bottom: var(--spacing-xl);
}

.footer-logo {
    flex: 1;
    min-width: 250px;
}

.footer-logo .logo {
    filter: brightness(0) invert(1);
    margin-bottom: var(--spacing-md);
}

.footer-logo p {
    opacity: 0.8;
}

.footer-links {
    flex: 2;
    display: flex;
    flex-wrap: wrap;
    gap: var(--spacing-xl);
}

.footer-links-column {
    flex: 1;
    min-width: 150px;
}

.footer-links-column h4 {
    color: var(--text-white);
    margin-bottom: var(--spacing-md);
    font-size: 1.1rem;
}

.footer-links-column ul {
    list-style: none;
}

.footer-links-column li {
    margin-bottom: var(--spacing-sm);
}

.footer-links-column a {
    color: rgba(255, 255, 255, 0.8);
    transition: color var(--transition-medium);
}

.footer-links-column a:hover {
    color: var(--accent-color);
}

.footer-bottom {
    padding-top: var(--spacing-lg);
    border-top: 1px solid rgba(255, 255, 255, 0.1);
    text-align: center;
}

.footer-bottom p {
    color: rgba(255, 255, 255, 0.6);
    font-size: 0.9rem;
    margin-bottom: var(--spacing-sm);
}

/* Cookie Consent */
.cookie-consent-banner {
    position: fixed;
    bottom: 0;
    left: 0;
    width: 100%;
    background-color: var(--bg-white);
    box-shadow: var(--shadow-lg);
    padding: var(--spacing-lg);
    z-index: var(--z-index-modal);
    display: none;
}

.cookie-content {
    max-width: 1200px;
    margin: 0 auto;
}

.cookie-content h3 {
    margin-bottom: var(--spacing-sm);
}

.cookie-content p {
    margin-bottom: var(--spacing-md);
}

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

.cookie-settings-modal {
    position: fixed;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background-color: rgba(0, 0, 0, 0.5);
    display: flex;
    align-items: center;
    justify-content: center;
    z-index: var(--z-index-modal);
    display: none;
}

.cookie-settings-content {
    background-color: var(--bg-white);
    border-radius: var(--border-radius-md);
    width: 90%;
    max-width: 600px;
    max-height: 90vh;
    overflow-y: auto;
    box-shadow: var(--shadow-lg);
}

.cookie-settings-header {
    padding: var(--spacing-lg);
    border-bottom: 1px solid var(--bg-gray);
    display: flex;
    justify-content: space-between;
    align-items: center;
}

.cookie-settings-header h3 {
    margin-bottom: 0;
}

.close-button {
    background: none;
    border: none;
    font-size: 1.5rem;
    cursor: pointer;
    color: var(--text-medium);
    transition: color var(--transition-medium);
}

.close-button:hover {
    color: var(--text-dark);
}

.cookie-settings-body {
    padding: var(--spacing-lg);
}

.cookie-category {
    margin-bottom: var(--spacing-lg);
    padding-bottom: var(--spacing-lg);
    border-bottom: 1px solid var(--bg-gray);
}

.cookie-category:last-child {
    border-bottom: none;
    margin-bottom: 0;
    padding-bottom: 0;
}

.cookie-category-header {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: var(--spacing-sm);
}

.cookie-category-title h4 {
    margin-bottom: 0;
}

.cookie-toggle {
    position: relative;
}

.cookie-toggle input[type="checkbox"] {
    display: none;
}

.cookie-toggle label {
    display: block;
    width: 50px;
    height: 26px;
    background-color: var(--text-light);
    border-radius: 13px;
    position: relative;
    cursor: pointer;
    transition: background-color var(--transition-medium);
}

.cookie-toggle label::after {
    content: "";
    position: absolute;
    top: 3px;
    left: 3px;
    width: 20px;
    height: 20px;
    background-color: var(--bg-white);
    border-radius: 50%;
    transition: transform var(--transition-medium);
}

.cookie-toggle input[type="checkbox"]:checked + label {
    background-color: var(--success-color);
}

.cookie-toggle input[type="checkbox"]:checked + label::after {
    transform: translateX(24px);
}

.cookie-toggle input[type="checkbox"]:disabled + label {
    opacity: 0.7;
    cursor: not-allowed;
}

.cookie-category p {
    color: var(--text-medium);
    margin-bottom: 0;
}

.cookie-settings-footer {
    padding: var(--spacing-lg);
    border-top: 1px solid var(--bg-gray);
    text-align: right;
}

/* Page Header */
.page-header {
    padding: 140px 0 var(--spacing-xxl);
    background-color: var(--primary-color);
    color: var(--text-white);
    text-align: center;
}

.page-header-content h1 {
    color: var(--text-white);
    margin-bottom: var(--spacing-sm);
}

.page-header-content p {
    color: rgba(255, 255, 255, 0.8);
    font-size: 1.2rem;
    max-width: 700px;
    margin: 0 auto;
}

.legal-header {
    padding: 120px 0 var(--spacing-xl);
}

/* Intro Section */
.intro-section {
    background-color: var(--bg-white);
}

.intro-content {
    display: flex;
    align-items: center;
    gap: var(--spacing-xxl);
}

.intro-text {
    flex: 1;
}

.intro-image {
    flex: 1;
}

.intro-image img {
    border-radius: var(--border-radius-lg);
    box-shadow: var(--shadow-md);
}

/* Risk Types Section */
.risk-types-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: var(--spacing-xl);
}

.risk-card {
    background-color: var(--bg-white);
    padding: var(--spacing-xl);
    border-radius: var(--border-radius-md);
    box-shadow: var(--shadow-sm);
    transition: all var(--transition-medium);
}

.risk-card:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-md);
}

.risk-icon {
    width: 60px;
    height: 60px;
    display: flex;
    align-items: center;
    justify-content: center;
    background-color: var(--primary-color);
    color: var(--text-white);
    border-radius: 50%;
    font-size: 1.5rem;
    margin-bottom: var(--spacing-md);
}

.risk-card h3 {
    font-size: 1.3rem;
    margin-bottom: var(--spacing-md);
}

.risk-card p {
    color: var(--text-medium);
    margin-bottom: var(--spacing-md);
}

.risk-card ul {
    list-style-position: inside;
    margin-bottom: var(--spacing-md);
    color: var(--text-medium);
}

.risk-card ul li {
    margin-bottom: var(--spacing-xs);
}

.risk-management {
    background-color: var(--bg-gray);
    padding: var(--spacing-md);
    border-radius: var(--border-radius-sm);
}

.risk-management h4 {
    font-size: 1rem;
    margin-bottom: var(--spacing-xs);
    color: var(--primary-color);
}

.risk-management p {
    font-size: 0.95rem;
    margin-bottom: 0;
}

/* Process Steps */
.process-steps {
    margin-top: var(--spacing-xxl);
}

.process-step {
    display: flex;
    gap: var(--spacing-xl);
    margin-bottom: var(--spacing-xxl);
    position: relative;
}

.process-step:not(:last-child)::after {
    content: "";
    position: absolute;
    top: 70px;
    left: 30px;
    width: 2px;
    height: calc(100% - 30px);
    background-color: var(--accent-color);
    z-index: 0;
}

.step-number {
    width: 60px;
    height: 60px;
    flex-shrink: 0;
    display: flex;
    align-items: center;
    justify-content: center;
    background-color: var(--accent-color);
    color: var(--text-white);
    border-radius: 50%;
    font-size: 1.5rem;
    font-weight: 700;
    position: relative;
    z-index: 1;
}

.step-content {
    flex: 1;
}

.step-content h3 {
    margin-bottom: var(--spacing-md);
    color: var(--primary-color);
}

.step-content p {
    color: var(--text-medium);
    margin-bottom: var(--spacing-md);
}

.step-content ul {
    list-style-position: inside;
    color: var(--text-medium);
}

.step-content ul li {
    margin-bottom: var(--spacing-xs);
}

/* Risk Mitigation Strategies */
.strategies-content {
    display: flex;
    gap: var(--spacing-xl);
    align-items: flex-start;
}

.strategies-text {
    flex: 1;
}

.strategies-text h3 {
    margin-top: var(--spacing-xl);
    margin-bottom: var(--spacing-md);
    color: var(--primary-color);
}

.strategies-text h3:first-child {
    margin-top: 0;
}

.strategies-text ul {
    list-style-position: inside;
    color: var(--text-medium);
    margin-bottom: var(--spacing-md);
}

.strategies-text ul li {
    margin-bottom: var(--spacing-xs);
}

.strategies-visual {
    flex: 1;
    display: flex;
    flex-direction: column;
    gap: var(--spacing-lg);
}

.strategy-card {
    background-color: var(--bg-white);
    padding: var(--spacing-lg);
    border-radius: var(--border-radius-md);
    box-shadow: var(--shadow-sm);
    transition: all var(--transition-medium);
}

.strategy-card:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-md);
}

.strategy-icon {
    width: 50px;
    height: 50px;
    display: flex;
    align-items: center;
    justify-content: center;
    background-color: var(--mint-accent);
    color: var(--text-white);
    border-radius: 50%;
    font-size: 1.2rem;
    margin-bottom: var(--spacing-md);
}

.strategy-card:nth-child(2) .strategy-icon {
    background-color: var(--turquoise-accent);
}

.strategy-card:nth-child(3) .strategy-icon {
    background-color: var(--accent-color);
}

.strategy-card h4 {
    margin-bottom: var(--spacing-md);
    color: var(--primary-color);
}

.strategy-card ul {
    list-style-position: inside;
    color: var(--text-medium);
}

.strategy-card ul li {
    margin-bottom: var(--spacing-xs);
}

/* Case Studies */
.case-studies-wrapper {
    display: flex;
    flex-direction: column;
    gap: var(--spacing-xl);
}

.case-study {
    background-color: var(--bg-white);
    border-radius: var(--border-radius-md);
    overflow: hidden;
    box-shadow: var(--shadow-sm);
    transition: all var(--transition-medium);
}

.case-study:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-md);
}

.case-study-header {
    background-color: var(--primary-color);
    padding: var(--spacing-lg);
    color: var(--text-white);
}

.case-study-header h3 {
    color: var(--text-white);
    margin-bottom: 0;
}

.case-study-content {
    padding: var(--spacing-lg);
}

.case-study-content p {
    color: var(--text-medium);
    margin-bottom: var(--spacing-md);
}

.case-study-content p:last-child {
    margin-bottom: 0;
}

.case-study-content ul {
    list-style-position: inside;
    color: var(--text-medium);
    margin-bottom: var(--spacing-md);
}

.case-study-content ul li {
    margin-bottom: var(--spacing-xs);
}

.case-study-content strong {
    color: var(--primary-color);
}

/* Resources Section */
.resources-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
    gap: var(--spacing-xl);
}

.resource-card {
    background-color: var(--bg-white);
    padding: var(--spacing-xl);
    border-radius: var(--border-radius-md);
    box-shadow: var(--shadow-sm);
    transition: all var(--transition-medium);
    height: 100%;
}

.resource-card:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-md);
}

.resource-icon {
    width: 60px;
    height: 60px;
    display: flex;
    align-items: center;
    justify-content: center;
    background-color: var(--primary-color);
    color: var(--text-white);
    border-radius: 50%;
    font-size: 1.5rem;
    margin-bottom: var(--spacing-md);
}

.resource-card h3 {
    margin-bottom: var(--spacing-md);
    color: var(--primary-color);
}

.resource-card ul {
    list-style-position: inside;
    color: var(--text-medium);
}

.resource-card ul li {
    margin-bottom: var(--spacing-xs);
}

/* Financial Planning Principles */
.principles-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: var(--spacing-xl);
}

.principle-card {
    background-color: var(--bg-white);
    padding: var(--spacing-xl);
    border-radius: var(--border-radius-md);
    box-shadow: var(--shadow-sm);
    transition: all var(--transition-medium);
}

.principle-card:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-md);
}

.principle-icon {
    width: 60px;
    height: 60px;
    display: flex;
    align-items: center;
    justify-content: center;
    background-color: var(--primary-color);
    color: var(--text-white);
    border-radius: 50%;
    font-size: 1.5rem;
    margin-bottom: var(--spacing-md);
}

.principle-card h3 {
    font-size: 1.3rem;
    margin-bottom: var(--spacing-md);
    color: var(--primary-color);
}

.principle-card p {
    color: var(--text-medium);
    margin-bottom: var(--spacing-md);
}

.principle-tips {
    background-color: var(--bg-gray);
    padding: var(--spacing-md);
    border-radius: var(--border-radius-sm);
}

.principle-tips h4 {
    font-size: 1rem;
    margin-bottom: var(--spacing-xs);
    color: var(--primary-color);
}

.principle-tips ul {
    list-style-position: inside;
    color: var(--text-medium);
}

.principle-tips ul li {
    margin-bottom: var(--spacing-xs);
    font-size: 0.95rem;
}

/* Life Stages Section */
.life-stages-wrapper {
    display: flex;
    flex-direction: column;
    gap: var(--spacing-xl);
}

.life-stage {
    background-color: var(--bg-white);
    border-radius: var(--border-radius-md);
    overflow: hidden;
    box-shadow: var(--shadow-sm);
    transition: all var(--transition-medium);
}

.life-stage:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-md);
}

.life-stage-header {
    display: flex;
    align-items: center;
    gap: var(--spacing-md);
    background-color: var(--primary-color);
    padding: var(--spacing-lg);
}

.life-stage-icon {
    width: 50px;
    height: 50px;
    display: flex;
    align-items: center;
    justify-content: center;
    background-color: rgba(255, 255, 255, 0.2);
    color: var(--text-white);
    border-radius: 50%;
    font-size: 1.2rem;
}

.life-stage-header h3 {
    color: var(--text-white);
    margin-bottom: 0;
}

.life-stage-content {
    padding: var(--spacing-lg);
}

.life-stage-content p {
    color: var(--text-medium);
    margin-bottom: var(--spacing-md);
}

.life-stage-priorities {
    margin-bottom: var(--spacing-md);
}

.life-stage-priorities h4 {
    color: var(--primary-color);
    margin-bottom: var(--spacing-sm);
}

.life-stage-priorities ul {
    list-style-position: inside;
    color: var(--text-medium);
}

.life-stage-priorities ul li {
    margin-bottom: var(--spacing-xs);
}

.life-stage-tips {
    background-color: var(--bg-gray);
    padding: var(--spacing-md);
    border-radius: var(--border-radius-sm);
}

.life-stage-tips h4 {
    color: var(--primary-color);
    margin-bottom: var(--spacing-sm);
}

.life-stage-tips p {
    margin-bottom: 0;
    font-size: 0.95rem;
}

/* Budgeting Section */
.budgeting-content {
    display: flex;
    gap: var(--spacing-xl);
    margin-bottom: var(--spacing-xxl);
}

.budgeting-text {
    flex: 1;
}

.budgeting-methods {
    flex: 1;
    display: flex;
    flex-direction: column;
    gap: var(--spacing-lg);
}

.method-card {
    background-color: var(--bg-white);
    padding: var(--spacing-lg);
    border-radius: var(--border-radius-md);
    box-shadow: var(--shadow-sm);
    transition: all var(--transition-medium);
}

.method-card:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-md);
}

.method-icon {
    width: 50px;
    height: 50px;
    display: flex;
    align-items: center;
    justify-content: center;
    background-color: var(--mint-accent);
    color: var(--text-white);
    border-radius: 50%;
    font-size: 1.2rem;
    margin-bottom: var(--spacing-md);
}

.method-card:nth-child(2) .method-icon {
    background-color: var(--turquoise-accent);
}

.method-card:nth-child(3) .method-icon {
    background-color: var(--accent-color);
}

.method-card:nth-child(4) .method-icon {
    background-color: var(--primary-color);
}

.method-card h3 {
    margin-bottom: var(--spacing-sm);
    color: var(--primary-color);
}

.method-card p {
    color: var(--text-medium);
    margin-bottom: var(--spacing-sm);
}

.method-card ul {
    list-style-position: inside;
    color: var(--text-medium);
    margin-bottom: var(--spacing-sm);
}

.method-card ul li {
    margin-bottom: var(--spacing-xs);
}

.method-card p strong {
    color: var(--primary-color);
}

.budgeting-tools h3 {
    margin-bottom: var(--spacing-md);
    text-align: center;
}

.budgeting-tools > p {
    text-align: center;
    max-width: 800px;
    margin: 0 auto var(--spacing-xl);
}

.tools-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: var(--spacing-lg);
}

.tool-item {
    display: flex;
    align-items: center;
    gap: var(--spacing-md);
    background-color: var(--bg-white);
    padding: var(--spacing-lg);
    border-radius: var(--border-radius-md);
    box-shadow: var(--shadow-sm);
    transition: all var(--transition-medium);
}

.tool-item:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-md);
}

.tool-icon {
    width: 40px;
    height: 40px;
    display: flex;
    align-items: center;
    justify-content: center;
    background-color: var(--primary-color);
    color: var(--text-white);
    border-radius: 50%;
    font-size: 1rem;
}

.tool-content h4 {
    font-size: 1rem;
    margin-bottom: var(--spacing-xs);
    color: var(--primary-color);
}

.tool-content p {
    font-size: 0.9rem;
    color: var(--text-medium);
    margin-bottom: 0;
}

/* Tax Planning Section */
.tax-planning-content {
    display: flex;
    gap: var(--spacing-xl);
}

.tax-planning-text {
    flex: 1;
}

.tax-planning-text h3 {
    margin-top: var(--spacing-xl);
    color: var(--primary-color);
}

.tax-planning-text h3:first-child {
    margin-top: 0;
}

.tax-planning-text ul {
    list-style-position: inside;
    color: var(--text-medium);
    margin-bottom: var(--spacing-md);
}

.tax-planning-text ul li {
    margin-bottom: var(--spacing-xs);
}

.tax-planning-text strong {
    color: var(--primary-color);
}

.tax-strategies {
    flex: 1;
}

.tax-strategies h3 {
    margin-bottom: var(--spacing-lg);
    color: var(--primary-color);
}

.strategy-grid {
    display: flex;
    flex-direction: column;
    gap: var(--spacing-md);
}

.strategy-item {
    display: flex;
    gap: var(--spacing-md);
    background-color: var(--bg-white);
    padding: var(--spacing-lg);
    border-radius: var(--border-radius-md);
    box-shadow: var(--shadow-sm);
    transition: all var(--transition-medium);
}

.strategy-item:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-md);
}

.strategy-item .strategy-icon {
    width: 40px;
    height: 40px;
    font-size: 1rem;
    margin-bottom: 0;
}

.strategy-content h4 {
    margin-bottom: var(--spacing-xs);
    color: var(--primary-color);
}

.strategy-content p {
    color: var(--text-medium);
    margin-bottom: 0;
    font-size: 0.95rem;
}

/* Contact Page Styles */
.contact-info-section {
    background-color: var(--bg-white);
}

.contact-details-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: var(--spacing-lg);
}

.contact-detail-card {
    background-color: var(--bg-gray);
    padding: var(--spacing-xl);
    border-radius: var(--border-radius-md);
    box-shadow: var(--shadow-sm);
    text-align: center;
    transition: all var(--transition-medium);
}

.contact-detail-card:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-md);
}

.contact-detail-icon {
    width: 60px;
    height: 60px;
    display: flex;
    align-items: center;
    justify-content: center;
    background-color: var(--primary-color);
    color: var(--text-white);
    border-radius: 50%;
    font-size: 1.5rem;
    margin: 0 auto var(--spacing-md);
}

.contact-detail-card h3 {
    margin-bottom: var(--spacing-md);
    color: var(--primary-color);
}

.contact-detail-card p {
    color: var(--text-medium);
    margin-bottom: var(--spacing-xs);
}

.contact-detail-card p:last-child {
    margin-bottom: 0;
}

.map-section {
    background-color: var(--bg-gray);
}

.map-wrapper {
    margin-top: var(--spacing-xl);
}

.map-container {
    width: 100%;
    height: 400px;
    border-radius: var(--border-radius-md);
    overflow: hidden;
    box-shadow: var(--shadow-md);
}

.map-placeholder {
    width: 100%;
    height: 100%;
    position: relative;
    background-color: var(--bg-light);
}

.map-image {
    width: 100%;
    height: 100%;
    object-fit: cover;
    opacity: 0.8;
}

.map-overlay {
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    background-color: rgba(32, 58, 96, 0.7);
    color: var(--text-white);
    padding: var(--spacing-xl);
    text-align: center;
}

.map-overlay p {
    margin-bottom: var(--spacing-md);
    max-width: 500px;
}

.map-overlay p:last-child {
    margin-bottom: 0;
}

.contact-form-section {
    background-color: var(--bg-gray);
}

.form-container {
    max-width: 800px;
    margin: 0 auto;
}

.faq-section {
    background-color: var(--bg-white);
}

.faq-container {
    max-width: 800px;
    margin: 0 auto;
}

.faq-item {
    background-color: var(--bg-gray);
    border-radius: var(--border-radius-md);
    margin-bottom: var(--spacing-md);
    overflow: hidden;
    box-shadow: var(--shadow-sm);
}

.faq-question {
    padding: var(--spacing-lg);
    display: flex;
    justify-content: space-between;
    align-items: center;
    cursor: pointer;
    transition: all var(--transition-medium);
}

.faq-question:hover {
    background-color: rgba(32, 58, 96, 0.05);
}

.faq-question h3 {
    margin-bottom: 0;
    font-size: 1.2rem;
    color: var(--primary-color);
}

.faq-toggle {
    display: flex;
    align-items: center;
    justify-content: center;
    width: 30px;
    height: 30px;
    flex-shrink: 0;
}

.faq-toggle i {
    font-size: 1rem;
    color: var(--primary-color);
    transition: all var(--transition-medium);
}

.faq-toggle .fa-minus {
    display: none;
}

.faq-item.active .faq-toggle .fa-plus {
    display: none;
}

.faq-item.active .faq-toggle .fa-minus {
    display: block;
}

.faq-answer {
    padding: 0 var(--spacing-lg) var(--spacing-lg);
    display: none;
}

.faq-item.active .faq-answer {
    display: block;
}

.faq-answer p {
    color: var(--text-medium);
    margin-bottom: 0;
}

/* Legal Pages */
.legal-content-section {
    background-color: var(--bg-white);
    padding-bottom: var(--spacing-xxxl);
}

.legal-content {
    max-width: 900px;
    margin: 0 auto;
}

.legal-intro {
    margin-bottom: var(--spacing-xl);
}

.legal-section {
    margin-bottom: var(--spacing-xxl);
}

.legal-section:last-child {
    margin-bottom: 0;
}

.legal-section h2 {
    margin-bottom: var(--spacing-md);
    color: var(--primary-color);
    font-size: 1.8rem;
}

.legal-section h3 {
    margin-top: var(--spacing-lg);
    margin-bottom: var(--spacing-sm);
    color: var(--primary-color);
    font-size: 1.4rem;
}

.legal-section p {
    color: var(--text-medium);
    margin-bottom: var(--spacing-md);
}

.legal-section ul {
    list-style-position: outside;
    color: var(--text-medium);
    margin-bottom: var(--spacing-md);
    padding-left: var(--spacing-xl);
}

.legal-section ul li {
    margin-bottom: var(--spacing-sm);
}

.legal-section a {
    color: var(--accent-color);
    text-decoration: underline;
}

.legal-section a:hover {
    color: var(--primary-color);
}

.legal-section strong {
    color: var(--primary-color);
    font-weight: 700;
}

/* Thank You Page */
.thank-you-section {
    background-color: var(--bg-white);
    padding: 140px 0;
}

.thank-you-content {
    max-width: 800px;
    margin: 0 auto;
    text-align: center;
}

.thank-you-icon {
    width: 100px;
    height: 100px;
    display: flex;
    align-items: center;
    justify-content: center;
    background-color: var(--success-color);
    color: var(--text-white);
    border-radius: 50%;
    font-size: 3rem;
    margin: 0 auto var(--spacing-lg);
}

.thank-you-content h1 {
    color: var(--primary-color);
    margin-bottom: var(--spacing-md);
}

.thank-you-content p {
    color: var(--text-medium);
    font-size: 1.2rem;
    margin-bottom: var(--spacing-xl);
}

.thank-you-actions {
    display: flex;
    justify-content: center;
    gap: var(--spacing-md);
    margin-bottom: var(--spacing-xxl);
}

.explore-more {
    margin-top: var(--spacing-xxl);
}

.explore-more h2 {
    margin-bottom: var(--spacing-xl);
    color: var(--primary-color);
    font-size: 1.5rem;
}

.explore-links {
    display: flex;
    justify-content: center;
    gap: var(--spacing-xl);
    flex-wrap: wrap;
}

.explore-link {
    display: flex;
    align-items: flex-start;
    gap: var(--spacing-md);
    background-color: var(--bg-gray);
    padding: var(--spacing-lg);
    border-radius: var(--border-radius-md);
    box-shadow: var(--shadow-sm);
    max-width: 350px;
    transition: all var(--transition-medium);
    text-align: left;
}

.explore-link:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-md);
    background-color: var(--bg-white);
}

.explore-icon {
    width: 40px;
    height: 40px;
    display: flex;
    align-items: center;
    justify-content: center;
    background-color: var(--primary-color);
    color: var(--text-white);
    border-radius: 50%;
    font-size: 1rem;
}

.explore-text h3 {
    font-size: 1.1rem;
    margin-bottom: var(--spacing-xs);
    color: var(--primary-color);
}

.explore-text p {
    font-size: 0.9rem;
    color: var(--text-medium);
    margin-bottom: 0;
}

/* International Telephone Input */
.iti {
    width: 100%;
}

/* Responsive Styles */
@media (max-width: 1200px) {
    h1 {
        font-size: 2.2rem;
    }
    
    h2 {
        font-size: 1.8rem;
    }
    
    h3 {
        font-size: 1.3rem;
    }
    
    .hero-text h1 {
        font-size: 2.5rem;
    }
    
    .services-grid {
        grid-template-columns: repeat(2, 1fr);
    }
    
    .articles-grid {
        grid-template-columns: repeat(2, 1fr);
    }
    
    .metrics-grid {
        grid-template-columns: repeat(2, 1fr);
    }
    
    .risk-types-grid {
        grid-template-columns: repeat(2, 1fr);
    }
    
    .principles-grid {
        grid-template-columns: repeat(2, 1fr);
    }
    
    .tools-grid {
        grid-template-columns: repeat(2, 1fr);
    }
    
    .contact-details-grid {
        grid-template-columns: repeat(2, 1fr);
    }
}

@media (max-width: 992px) {
    .desktop-nav {
        display: none;
    }
    
    .mobile-menu-toggle {
        display: flex;
    }
    
    .hero-content {
        flex-direction: column;
    }
    
    .about-content {
        flex-direction: column;
    }
    
    .contact-wrapper {
        flex-direction: column;
    }
    
    .intro-content {
        flex-direction: column;
    }
    
    .strategies-content {
        flex-direction: column;
    }
    
    .budgeting-content {
        flex-direction: column;
    }
    
    .tax-planning-content {
        flex-direction: column;
    }
    
    .footer-content {
        flex-direction: column;
        gap: var(--spacing-xl);
    }
    
    .footer-links {
        width: 100%;
    }
}

@media (max-width: 768px) {
    h1 {
        font-size: 2rem;
    }
    
    h2 {
        font-size: 1.6rem;
    }
    
    h3 {
        font-size: 1.2rem;
    }
    
    .hero-text h1 {
        font-size: 2.2rem;
    }
    
    .services-grid {
        grid-template-columns: 1fr;
    }
    
    .articles-grid {
        grid-template-columns: 1fr;
    }
    
    .metrics-grid {
        grid-template-columns: 1fr;
    }
    
    .risk-types-grid {
        grid-template-columns: 1fr;
    }
    
    .principles-grid {
        grid-template-columns: 1fr;
    }
    
    .hero-cta {
        flex-direction: column;
    }
    
    .process-step {
        flex-direction: column;
        gap: var(--spacing-md);
    }
    
    .process-step:not(:last-child)::after {
        display: none;
    }
    
    .step-number {
        margin: 0 auto;
    }
    
    .step-content {
        text-align: center;
    }
    
    .tools-grid {
        grid-template-columns: 1fr;
    }
    
    .contact-details-grid {
        grid-template-columns: 1fr;
    }
    
    .cookie-buttons {
        flex-direction: column;
    }
    
    .cookie-buttons button {
        width: 100%;
    }
    
    .thank-you-actions {
        flex-direction: column;
    }
    
    .explore-links {
        flex-direction: column;
        align-items: center;
    }
}

@media (max-width: 480px) {
    .hero-section {
        padding: 120px 0 var(--spacing-xl);
    }
    
    .hero-text h1 {
        font-size: 1.8rem;
    }
    
    .hero-text .subtitle {
        font-size: 1rem;
    }
    
    .section-header h2 {
        font-size: 1.5rem;
    }
    
    .section-header p {
        font-size: 1rem;
    }
    
    .page-header-content h1 {
        font-size: 1.8rem;
    }
    
    .page-header-content p {
        font-size: 1rem;
    }
    
    .ui.form .two.fields {
        flex-direction: column;
    }
    
    .legal-section h2 {
        font-size: 1.5rem;
    }
    
    .legal-section h3 {
        font-size: 1.3rem;
    }
}

/* Animation Classes */
.animate-fade-in {
    animation: fadeIn 1s ease-in-out;
}

.animate-slide-up {
    animation: slideUp 1s ease-in-out;
}

.animate-slide-down {
    animation: slideDown 1s ease-in-out;
}

@keyframes fadeIn {
    from {
        opacity: 0;
    }
    to {
        opacity: 1;
    }
}

@keyframes slideUp {
    from {
        transform: translateY(50px);
        opacity: 0;
    }
    to {
        transform: translateY(0);
        opacity: 1;
    }
}

@keyframes slideDown {
    from {
        transform: translateY(-50px);
        opacity: 0;
    }
    to {
        transform: translateY(0);
        opacity: 1;
    }
}

/* Mobile Nav Animation */
.site-header.nav-open .mobile-menu-toggle span:nth-child(1) {
    transform: translateY(9px) rotate(45deg);
}

.site-header.nav-open .mobile-menu-toggle span:nth-child(2) {
    opacity: 0;
}

.site-header.nav-open .mobile-menu-toggle span:nth-child(3) {
    transform: translateY(-9px) rotate(-45deg);
}

.site-header.nav-open .mobile-nav {
    display: block;
}

/* Scroll Animation */
.scroll-animation {
    opacity: 0;
    transform: translateY(30px);
    transition: opacity 0.6s ease, transform 0.6s ease;
}

.scroll-animation.in-view {
    opacity: 1;
    transform: translateY(0);
}