:root {
    --primary-800: #0f172a;
    --primary-600: #0c4a6e;
    --primary-500: #0766b4;
    --secondary-500: #14b8a6;
    --success-500: #22c55e;
    --accent-500: #38bdf8;
    --gold: #f59e0b;
    --antwoord: #b08b4f;
    --blue-dark: #0766b4;
    --white-off: #f8fafc;
    --black-soft: #18293a;
    color-scheme: light;
}

* {
    box-sizing: border-box;
}

html {
    scroll-behavior: auto;
}

html, body {
    margin: 0;
    padding: 0;
}

img,
picture,
video,
svg {
    max-width: 100%;
    height: auto;
    object-fit: cover;
}

body:not(.homepage) main {
    padding-top: 134px !important;
}

body.homepage main {
    padding-top: 0 !important;
}

@media (max-width: 768px) {
    body:not(.homepage) main {
        padding-top: 112px !important;
    }
}

body.homepage #hero-slider {
    margin-top: 0 !important;
}

body.homepage .hero-slide-background,
body.homepage .swiper-slide .hero-slide-background {
    top: 0 !important;
}

/* Professional Navbar Styles */
.navbar-header {
    background-color: rgba(255, 255, 255, 0.94);
    backdrop-filter: blur(18px);
    -webkit-backdrop-filter: blur(18px);
    box-shadow: 0 16px 40px rgba(15, 23, 42, 0.12);
    border-bottom: 1px solid rgba(255, 255, 255, 0.8);
    padding-top: 0;
    padding-bottom: 0;
}

.navbar-header .container {
    max-width: 1280px;
    margin: 0 auto;
}

.nav-link {
    position: relative;
    display: inline-flex;
    align-items: center;
    padding: 0.5rem 1rem;
    font-weight: 600;
    font-size: 0.95rem;
    color: #0766b4;
    text-decoration: none;
    transition: all 0.3s ease;
    border-bottom: 2px solid transparent;
}

.nav-link::after {
    content: '';
    position: absolute;
    bottom: -8px;
    left: 1rem;
    right: 1rem;
    height: 3px;
    background-color: #f59e0b;
    width: 0;
    transition: width 0.3s ease;
}

.nav-link:hover {
    color: #f59e0b;
}

.nav-link:hover::after {
    width: calc(100% - 2rem);
}

.nav-link-active {
    color: #0766b4;
}

.nav-link-active::after {
    content: '';
    position: absolute;
    bottom: -8px;
    left: 1rem;
    right: 1rem;
    height: 3px;
    background-color: #f59e0b;
    width: calc(100% - 2rem);
}

.mobile-nav-link {
    display: block;
    padding: 0.75rem 1rem;
    border-radius: 0.375rem;
    font-weight: 600;
    color: #0766b4;
    text-decoration: none;
    transition: all 0.3s ease;
    margin-bottom: 0.5rem;
}

.mobile-nav-link:hover {
    color: #f59e0b;
    background-color: rgba(245, 158, 11, 0.1);
}

.navbar-header.hero-overlay {
    background-color: #ffffff;
    box-shadow: 0 2px 8px rgba(0, 0, 0, 0.1);
    border-bottom: none;
}

.navbar {
    background-color: #ffffff;
    box-shadow: 0 20px 48px rgba(15, 23, 42, 0.08);
    border-bottom: 1px solid rgba(15, 23, 42, 0.06);
}

.navbar-inner {
    max-width: 1280px;
    margin: 0 auto;
    padding: 0.95rem 1.5rem;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 1rem;
}

.logo img {
    height: 44px;
    width: auto;
    display: block;
}

.nav-links {
    display: flex;
    align-items: center;
    gap: 2rem;
    flex-wrap: wrap;
}

.nav-links li {
    list-style: none;
}

.nav-links a {
    position: relative;
    color: #0f172a;
    font-weight: 600;
    font-size: 0.96rem;
    text-decoration: none;
    transition: color 0.25s ease;
}

.nav-links a::after {
    content: '';
    position: absolute;
    left: 0;
    bottom: -8px;
    width: 0;
    height: 2px;
    background-color: #f59e0b;
    transition: width 0.25s ease;
}

.nav-links a:hover,
.nav-links a.nav-link-active {
    color: #0766b4;
}

.nav-links a:hover::after,
.nav-links a.nav-link-active::after {
    width: 100%;
}

.cta-btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    padding: 0.95rem 1.8rem;
    background-color: #0766b4;
    color: #ffffff;
    border-radius: 999px;
    font-weight: 700;
    box-shadow: 0 16px 35px rgba(7, 102, 180, 0.18);
    transition: transform 0.25s ease, background-color 0.25s ease;
}

.cta-btn:hover {
    background-color: #0557a3;
    transform: translateY(-1px);
}

.mobile-toggle {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 44px;
    height: 44px;
    border-radius: 14px;
    border: 1px solid rgba(15, 23, 42, 0.12);
    color: #0f172a;
    background-color: #ffffff;
}

.mobile-menu {
    display: flex;
    flex-direction: column;
    gap: 0.75rem;
    padding: 1.1rem 1.5rem 1.5rem;
    background-color: #ffffff;
    border-top: 1px solid rgba(15, 23, 42, 0.08);
}

.mobile-nav-link {
    display: block;
    color: #0f172a;
    padding: 0.85rem 0;
    font-weight: 600;
    text-decoration: none;
    border-bottom: 1px solid rgba(15, 23, 42, 0.08);
    transition: color 0.25s ease;
}

.mobile-nav-link:hover {
    color: #0766b4;
}

.mobile-cta {
    margin-top: 0.5rem;
    border-radius: 14px;
    background-color: #f59e0b;
    color: #0f172a;
    text-align: center;
    padding: 0.95rem 1rem;
}

@media (max-width: 767px) {
    .navbar-inner {
        padding: 0.85rem 1rem;
    }
}

.hero-header-inner {
    max-width: 1280px;
    margin: 0 auto;
    padding: 1rem 1rem;
    display: grid;
    grid-template-columns: auto minmax(0, 1fr) auto;
    align-items: center;
    gap: 1rem;
}

.hero-header-logo {
    justify-self: start;
    margin-left: -0.5rem;
    display: inline-flex;
    align-items: center;
    z-index: 60;
}

.hero-nav {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 1.35rem;
    flex-wrap: wrap;
    min-width: 0;
    justify-self: center;
    width: 100%;
}

.hero-cta-wrap {
    justify-self: end;
    display: flex;
    align-items: center;
    gap: 1rem;
}

.hero-nav .nav-link {
    position: relative;
    display: inline-block;
    color: #0766b4;
    padding: 0.6rem 0 0.35rem;
    border-bottom-color: transparent;
    font-weight: 600;
    font-size: 0.95rem;
}

.hero-nav .nav-link:hover,
.hero-nav .nav-link:focus {
    color: #f59e0b;
}

.hero-nav .nav-link::after {
    content: '';
    position: absolute;
    left: 50%;
    bottom: -8px;
    transform: translateX(-50%);
    width: 0;
    height: 3px;
    background-color: #f59e0b;
    transition: width 0.3s ease, opacity 0.3s ease;
    opacity: 0;
}

.hero-nav .nav-link:hover::after,
.hero-nav .nav-link.nav-link-active::after {
    width: 40%;
    max-width: 38px;
    opacity: 1;
}

.hero-nav .nav-link.nav-link-active {
    color: #0766b4;
}

.hero-cta-wrap {
    display: flex;
    align-items: center;
    gap: 1rem;
    flex-shrink: 0;
    justify-self: end;
}

.hero-cta {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    padding: 0.75rem 1.5rem;
    border-radius: 0.375rem;
    border: none;
    background: #0766b4;
    color: #ffffff;
    font-weight: 600;
    font-size: 0.95rem;
    transition: all 0.3s ease;
    cursor: pointer;
}

.hero-cta:hover,
.hero-cta:focus {
    background: #ffffff;
    color: #0766b4;
    box-shadow: 0 4px 12px rgba(0, 0, 0, 0.15);
    transform: translateY(-2px);
}

.hero-toggle {
    display: none;
    border: none;
    background: transparent;
    color: #0766b4;
    font-size: 1.5rem;
    cursor: pointer;
    transition: all 0.3s ease;
}

.hero-toggle:hover {
    color: #f59e0b;
}

.page-hero {
    position: relative;
    min-height: calc(100vh - 84px);
    overflow: hidden;
}

.page-hero-bg {
    position: absolute;
    inset: 0;
    background-size: cover;
    background-position: center;
    background-repeat: no-repeat;
}

.page-hero-overlay {
    position: absolute;
    inset: 0;
    background: linear-gradient(180deg, rgba(15, 23, 42, 0.75) 0%, rgba(15, 23, 42, 0.85) 45%, rgba(15, 23, 42, 0.9) 100%);
}

.page-hero-content {
    position: relative;
    z-index: 10;
}

.glass-card {
    background: rgba(255, 255, 255, 0.08);
    border: 1px solid rgba(255, 255, 255, 0.12);
    backdrop-filter: blur(20px);
    -webkit-backdrop-filter: blur(20px);
    box-shadow: 0 35px 75px rgba(0, 0, 0, 0.18);
    border-radius: 30px;
}

/* Default card text: dark for light sections */
.glass-card h3 {
    color: var(--primary-800);
}

.glass-card p {
    color: var(--black-soft);
}

/* When glass-cards sit on top of the dark hero, keep text readable */
.page-hero .glass-card h3 {
    color: #ffffff;
}

.page-hero .glass-card p {
    color: rgba(255, 255, 255, 0.85);
}

#mobile-menu {
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    background: rgba(255, 255, 255, 0.98);
    border-bottom: 1px solid rgba(0, 0, 0, 0.08);
    padding: 0;
    box-shadow: 0 8px 24px rgba(0, 0, 0, 0.12);
    z-index: 25;
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.3s cubic-bezier(0.4, 0, 0.2, 1);
}

#mobile-menu.open {
    max-height: 500px;
    padding: 1rem 0;
}

#mobile-menu a {
    display: block;
    padding: 1rem 1.5rem;
    border-bottom: 1px solid rgba(0, 0, 0, 0.04);
}

#mobile-menu a:last-child {
    border-bottom: none;
}

.hero-overlay .mobile-nav-link {
    color: #ffffff;
}

.hero-overlay .mobile-nav-link:hover,
.hero-overlay .mobile-nav-link:focus {
    background: rgba(255, 255, 255, 0.1);
}

.hero-overlay .nav-link-active {
    color: #ffffff;
}

.navbar-spacer {
    display: none !important;
    min-height: 0 !important;
    height: 0 !important;
}

@media (max-width: 768px) {
    .hero-header-inner {
        display: flex;
        flex-wrap: wrap;
        justify-content: space-between;
        align-items: center;
        padding: 0.75rem 0.9rem;
        gap: 0.75rem;
        width: 100%;
        max-width: 100vw;
        margin: 0 auto;
    }

    .hero-header-logo,
    .hero-toggle,
    .hero-cta-wrap {
        min-width: 0;
    }

    .hero-nav {
        display: none;
    }

    .hero-toggle {
        display: inline-flex;
        order: 2;
        flex: 0 0 auto;
        margin-left: auto;
    }

    .hero-header-logo {
        margin-left: 0;
        order: 1;
    }

    .hero-cta-wrap {
        order: 3;
        flex: 1 1 100%;
        justify-content: flex-end;
        width: 100%;
        gap: 0.75rem;
        margin-top: 0.35rem;
    }

    .hero-cta {
        padding: 0.65rem 1rem;
        font-size: 0.88rem;
        min-width: 0;
        max-width: 100%;
        white-space: nowrap;
    }

    #mobile-menu,
    #mobile-menu.open {
        width: 100%;
        left: 0;
        right: 0;
    }

    #mobile-menu.open {
        max-height: 520px;
        padding: 0.85rem 0;
    }

    #mobile-menu a {
        padding: 0.85rem 1rem;
    }

    #hero-slider .container {
        padding-left: 1rem;
        padding-right: 1rem;
    }

    #hero-slider h1 {
        font-size: clamp(2.2rem, 6vw, 3.2rem);
        line-height: 1.05;
    }

    #hero-slider p {
        font-size: clamp(1rem, 2.5vw, 1.05rem);
        max-width: 100%;
    }

    .hero-cta-wrap {
        justify-content: flex-end;
    }

    body {
        overflow-x: hidden;
    }
}

@media (max-width: 480px) {
    .hero-header-inner {
        padding: 0.65rem 0.75rem;
        gap: 0.5rem;
    }

    .hero-cta {
        padding: 0.55rem 0.95rem;
        font-size: 0.82rem;
        width: 100%;
        max-width: 280px;
    }

    .hero-header-logo img {
        height: 2.9rem;
        width: 2.9rem;
    }

    .hero-header-logo span {
        font-size: 1rem;
    }

    .hero-toggle {
        width: 42px;
        height: 42px;
    }

    .hero-cta-wrap {
        justify-content: center;
    }

    #hero-slider .container {
        padding-left: 0.75rem;
        padding-right: 0.75rem;
    }

    #hero-slider h1 {
        font-size: clamp(1.95rem, 7vw, 2.6rem);
    }

    #hero-slider p {
        font-size: clamp(0.95rem, 3vw, 1rem);
    }

    #mobile-menu a {
        padding: 0.8rem 1rem;
    }

    html,
    body {
        overflow-x: hidden;
    }
}

/* Collapse spacer for homepage so hero image reaches header edge */
.navbar-spacer.hero-spacer {
    display: none !important;
    min-height: 0 !important;
    height: 0 !important;
}

@media (max-width: 768px) {
    .navbar-spacer.hero-spacer {
        display: none !important;
        min-height: 0 !important;
        height: 0 !important;
    }
}

/* Make slide backgrounds start flush under the fixed header */
.hero-slide-background {
    top: -134px !important;
    background-position: center top !important;
}

@media (max-width: 768px) {
    .hero-slide-background {
        top: -112px !important;
    }
}

.mobile-nav-link.active {
    color: #EA1A26;
    border-left: 3px solid #EA1A26;
    padding-left: calc(0.75rem - 3px);
}

#mobile-menu-btn {
    cursor: pointer;
}

/* Loan information panel text color override */
.loan-info {
    color: #000000;
}
.loan-info .text-neutral-600,
.loan-info .text-neutral-500,
.loan-info .text-neutral-900,
.loan-info p,
.loan-info span,
.loan-info h3,
.loan-info small {
    color: #000000 !important;
}

.hidden {
    display: none !important;
}

.warning,
.text-warning,
.alert-warning,
.validation-warning,
.warning-text,
.text-alert,
.text-red-600,
.field-error,
.loan-info p.text-red-600,
.loan-info p.field-error {
    color: #ff0000 !important;
}

.panel-fade {
    opacity: 0;
    transform: translateY(20px);
    transition: opacity 0.25s ease, transform 0.25s ease;
}

.panel-fade.show {
    opacity: 1;
    transform: translateY(0);
}

.animate-fade-up {
    animation: fade-up 0.6s ease both;
}

@keyframes fade-up {
    from { opacity: 0; transform: translateY(24px); }
    to { opacity: 1; transform: translateY(0); }
}

body {
    margin: 0;
    min-height: 100%;
    font-family: 'Open Sans', sans-serif;
    background-color: var(--white-off);
    color: var(--black-soft);
}

/* Answer color utility */
.text-antwoord {
    color: var(--antwoord) !important;
}

/* Luxury background for sections/pages */
.luxury-bg {
    background-image: radial-gradient(rgba(176,139,79,0.06) 0%, rgba(176,139,79,0.03) 20%), linear-gradient(180deg, #08111a 0%, #0f172a 100%);
    background-blend-mode: overlay, normal;
    background-size: cover;
    background-position: center;
    color: #f8f6f0;
}

.luxury-bg .container, .luxury-bg h1, .luxury-bg h2, .luxury-bg h3, .luxury-bg p {
    color: #f6f3ee;
}

.text-black-override {
    color: #000000 !important;
}

#step1-content.hidden,
#step2-content.hidden,
#step3-content.hidden,
#step4-content.hidden {
    display: none !important;
}

#step1-content input,
#step1-content select,
#step1-content textarea,
#step2-content input,
#step2-content select,
#step2-content textarea,
#step3-content input,
#step3-content select,
#step3-content textarea,
#step4-content input,
#step4-content select,
#step4-content textarea,
#step1-content label,
#step2-content label,
#step3-content label,
#step4-content label,
#step1-content span,
#step2-content span,
#step3-content span,
#step4-content span,
#step1-content p,
#step2-content p,
#step3-content p,
#step4-content p,
#step1-content h2,
#step2-content h2,
#step3-content h2,
#step4-content h2,
#step1-content h3,
#step2-content h3,
#step3-content h3,
#step4-content h3,
#step1-content small,
#step2-content small,
#step3-content small,
#step4-content small,
#step1-content a,
#step2-content a,
#step3-content a,
#step4-content a,
#step1-content li,
#step2-content li,
#step3-content li,
#step4-content li {
    color: #000000 !important;
    font-weight: 700 !important;
}

#step1-content p[id$="Error"],
#step2-content p[id$="Error"],
#step3-content p[id$="Error"],
#step4-content p[id$="Error"],
#step1-content [id$="Error"],
#step2-content [id$="Error"],
#step3-content [id$="Error"],
#step4-content [id$="Error"] {
    color: #ff0000 !important;
}

#step1-content h2.text-white,
#step2-content h2.text-white,
#step3-content h2.text-white,
#step4-content h2.text-white,
#step1-content p.text-white,
#step2-content p.text-white,
#step3-content p.text-white,
#step4-content p.text-white {
    color: #ffffff !important;
}

#step1-content,
#step2-content,
#step3-content,
#step4-content {
    color: #000000 !important;
}

#step1-content input::placeholder,
#step2-content input::placeholder,
#step3-content input::placeholder,
#step4-content input::placeholder,
#step1-content select,
#step2-content select,
#step3-content select,
#step4-content select {
    color: #000000 !important;
}

.text-antwoord.bg-contrast {
    color: var(--antwoord);
    background-color: rgba(176,139,79,0.06);
    padding: 0.5rem 1rem;
    border-radius: 0.5rem;
}

.container {
    width: min(100% - 2rem, 1200px);
    margin-left: auto;
    margin-right: auto;
}

.font-opensans {
    font-family: 'Open Sans', sans-serif;
}

.font-montserrat {
    font-family: 'Montserrat', sans-serif;
}

.text-black-soft {
    color: var(--black-soft);
}

.text-primary-500 {
    color: var(--primary-500);
}

.text-primary-600 {
    color: var(--primary-600);
}

.text-primary-800 {
    color: var(--primary-800);
}

.text-primary-300 {
    color: #93c5fd;
}

.text-secondary-500 {
    color: var(--secondary-500);
}

.text-success-800 {
    color: #166534;
}

.text-gold {
    color: var(--gold);
}

.text-white-off {
    color: #f8fafc;
}

.bg-primary-500 {
    background-color: var(--primary-500);
}

.bg-primary-600 {
    background-color: var(--primary-600);
}

.bg-primary-500\/80 {
    background-color: rgba(15, 74, 139, 0.8);
}

.bg-secondary-500 {
    background-color: var(--secondary-500);
}

.bg-secondary-500\/30 {
    background-color: rgba(20, 184, 166, 0.3);
}

.bg-success-500 {
    background-color: var(--success-500);
}

.bg-success-100 {
    background-color: #dcfce7;
}

.bg-white\/10 {
    background-color: rgba(255, 255, 255, 0.1);
}

.border-white\/20 {
    border-color: rgba(255, 255, 255, 0.2);
}

.text-white\/90 {
    color: rgba(255, 255, 255, 0.9);
}

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

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

/* Swiper Slide Styling */
.swiper-slide {
    position: relative;
    overflow: hidden;
    display: flex;
    align-items: center;
    min-height: 730px;
    background-color: #0f172a;
}

.swiper.heroSwiper .swiper-slide::before {
    content: "";
    position: absolute;
    inset: 0;
    background: radial-gradient(circle at top center, rgba(255,255,255,0.05), transparent 45%), linear-gradient(180deg, #0f172a 0%, #08111a 100%);
    z-index: 0;
    pointer-events: none;
}

.swiper.heroSwiper .swiper-slide > img {
    z-index: 1;
}

/* Background Image Styling */
.swiper-slide .hero-slide-background {
    position: absolute !important;
    top: -134px !important;
    left: 0 !important;
    right: 0 !important;
    bottom: 0 !important;
    width: 100% !important;
    background-color: #0f172a;
    background-size: cover !important;
    background-position: center center !important;
    background-repeat: no-repeat !important;
    background-attachment: local;
    image-rendering: crisp-edges !important;
    image-rendering: -webkit-optimize-contrast !important;
    z-index: 0;
}

/* Validation + Warning Text Styling */
.warning,
.text-warning,
.alert-warning,
.validation-warning,
.warning-text,
.text-alert,
.text-red-600,
.field-error,
.loan-info p.text-red-600,
.loan-info p.field-error {
    color: #ff0000 !important;
}

/* Image Sharpness */
.image-sharp,
img.image-sharp {
    image-rendering: crisp-edges;
    image-rendering: -webkit-optimize-contrast;
    image-rendering: pixelated;
}

img[class*="object-cover"] {
    image-rendering: auto;
}

/* Professional Button Styles */
.btn-primary {
    background-color: #0766b4;
    color: #ffffff;
    border-radius: 0.5rem;
    padding: 0.75rem 1.5rem;
    font-weight: 600;
    transition: all 0.3s ease;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    text-decoration: none;
    border: none;
    cursor: pointer;
}

.btn-primary:hover {
    background-color: #0557a3;
    box-shadow: 0 4px 12px rgba(7, 102, 180, 0.3);
    transform: translateY(-2px);
}

.btn-gold {
    background-color: #f59e0b;
    color: #0766b4;
    border-radius: 0.5rem;
    padding: 0.75rem 1.5rem;
    font-weight: 600;
    transition: all 0.3s ease;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    text-decoration: none;
    border: none;
    cursor: pointer;
}

.btn-gold:hover {
    background-color: #ffffff;
    color: #0766b4;
    box-shadow: 0 4px 12px rgba(245, 158, 11, 0.3);
    transform: translateY(-2px);
}

/* Card Hover Effects */
.card-hover {
    transition: all 0.3s ease;
    border-radius: 1rem;
}

.card-hover:hover {
    transform: translateY(-8px);
    box-shadow: 0 12px 24px rgba(0, 0, 0, 0.15);
}

/* Section Spacing */
section {
    padding-top: 3rem;
    padding-bottom: 3rem;
}

@media (min-width: 1024px) {
    section {
        padding-top: 5rem;
        padding-bottom: 5rem;
    }
}

/* Typography Enhancements */
h1, h2, h3, h4, h5, h6 {
    font-family: 'Montserrat', sans-serif;
    font-weight: 700;
}

body {
    font-family: 'Open Sans', sans-serif;
}

/* Focus States for Accessibility */
a:focus,
button:focus {
    outline: 2px solid #0766b4;
    outline-offset: 2px;
}

.bg-primary-800 {
    background-color: var(--primary-800);
}

.shadow-primary-500\/30 {
    box-shadow: 0 24px 80px rgba(15, 23, 42, 0.18);
}

.size-12 {
    width: 3rem;
    height: 3rem;
}

.size-7 {
    width: 1.75rem;
    height: 1.75rem;
}

button,
a {
    outline: none;
}

#back-to-top {
    opacity: 0;
    transform: scale(0);
}

#back-to-top.opacity-100 {
    opacity: 1;
}

#back-to-top.scale-100 {
    transform: scale(1);
}

  .hero-copy {
    text-align: center;
  }

  .hero-actions {
    justify-content: center;
  }
}