/* =============================================
   GURUKRUPA CAPITALS - GLOBAL STYLESHEET
   Modern Fintech Design | Multi-page
   ============================================= */

/* CSS Variables */
:root {
    --primary: #1a3a5c;
    --primary-dark: #0f2640;
    --primary-light: #2a5a8c;
    --secondary: #e87a2e;
    --secondary-light: #f59e4f;
    --secondary-dark: #c9631e;
    --accent: #2563eb;
    --gold: #f5a623;
    --green: #10b981;
    --green-light: #d1fae5;
    --red: #ef4444;
    --red-light: #fee2e2;
    --dark: #1a1a2e;
    --gray-900: #111827;
    --gray-800: #1f2937;
    --gray-700: #374151;
    --gray-600: #4b5563;
    --gray-500: #6b7280;
    --gray-400: #9ca3af;
    --gray-300: #d1d5db;
    --gray-200: #e5e7eb;
    --gray-100: #f3f4f6;
    --gray-50: #f9fafb;
    --white: #ffffff;
    --shadow-sm: 0 1px 2px rgba(0,0,0,0.05);
    --shadow: 0 4px 6px -1px rgba(0,0,0,0.1), 0 2px 4px -2px rgba(0,0,0,0.1);
    --shadow-md: 0 6px 12px -2px rgba(0,0,0,0.1), 0 3px 6px -3px rgba(0,0,0,0.08);
    --shadow-lg: 0 10px 15px -3px rgba(0,0,0,0.1), 0 4px 6px -4px rgba(0,0,0,0.1);
    --shadow-xl: 0 20px 25px -5px rgba(0,0,0,0.1), 0 8px 10px -6px rgba(0,0,0,0.1);
    --radius: 12px;
    --radius-sm: 8px;
    --radius-lg: 16px;
    --radius-xl: 24px;
    --transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
    --font: 'Poppins', sans-serif;
}

/* Reset */
*, *::before, *::after { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; overflow-x: hidden;}
body {
    font-family: var(--font);
    font-size: 16px;
    line-height: 1.6;
    color: var(--gray-700);
    background: var(--white);
    width: 100%;
}
a { text-decoration: none; color: inherit; transition: var(--transition); }
img { max-width: 100%; height: auto; display: block; }
ul { list-style: none; }
button { font-family: var(--font); cursor: pointer; border: none; outline: none; }
input, select, textarea { font-family: var(--font); outline: none; }

/* =============================================
   LAYOUT & UTILITIES
   ============================================= */
.container { max-width: 1200px; margin: 0 auto; padding: 0 20px; width: 100%; }
.container-sm { max-width: 900px; margin: 0 auto; padding: 0 20px; }
.section { padding: 100px 0; overflow-x: clip; }
.section-alt { background: var(--gray-50); }
.text-center { text-align: center; }
.text-left { text-align: left; }

/* Section Header */
.section-header { text-align: center; margin-bottom: 60px; max-width: 650px; margin-left: auto; margin-right: auto; }
.section-tag {
    display: inline-block;
    background: linear-gradient(135deg, rgba(232,122,46,0.1), rgba(232,122,46,0.05));
    color: var(--secondary);
    padding: 6px 16px;
    border-radius: 50px;
    font-size: 0.8rem;
    font-weight: 600;
    margin-bottom: 12px;
    border: 1px solid rgba(232,122,46,0.2);
    text-transform: uppercase;
    letter-spacing: 0.5px;
}
.section-header h2 {
    font-size: 2.4rem;
    font-weight: 700;
    color: var(--primary);
    margin-bottom: 15px;
    line-height: 1.3;
}
.section-header h2 span { color: var(--secondary); }
.section-header p { font-size: 1.05rem; color: var(--gray-500); line-height: 1.7; }

/* Grid System */
.grid { display: grid; gap: 30px; }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }

/* Buttons - Enhanced with modern states */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    padding: 13px 30px;
    border-radius: 50px;
    font-weight: 600;
    font-size: 0.95rem;
    cursor: pointer;
    transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
    border: 2px solid transparent;
    position: relative;
    overflow: hidden;
    white-space: nowrap;
    letter-spacing: 0.2px;
}
.btn::after {
    content: '';
    position: absolute;
    top: 50%; left: 50%;
    width: 0; height: 0;
    background: rgba(255,255,255,0.25);
    border-radius: 50%;
    transition: width 0.5s ease, height 0.5s ease, top 0.5s ease, left 0.5s ease;
}
.btn:hover { transform: translateY(-2px) scale(1.03); }
.btn:active { transform: translateY(0) scale(0.98); }
.btn:active::after { width: 250px; height: 250px; top: calc(50% - 125px); left: calc(50% - 125px); }
.btn:focus-visible { outline: 3px solid rgba(232,122,46,0.4); outline-offset: 3px; }

.btn-primary {
    background: linear-gradient(135deg, var(--secondary), var(--secondary-light));
    color: var(--white);
    box-shadow: 0 4px 15px rgba(232,122,46,0.35);
}
.btn-primary:hover { box-shadow: 0 8px 30px rgba(232,122,46,0.5); }

.btn-secondary {
    background: linear-gradient(135deg, var(--primary), var(--primary-light));
    color: var(--white);
    box-shadow: 0 4px 15px rgba(26,58,92,0.3);
}
.btn-secondary:hover { box-shadow: 0 8px 30px rgba(26,58,92,0.45); }

.btn-outline {
    border: 2px solid var(--primary);
    color: var(--primary);
    background: transparent;
}
.btn-outline:hover { background: var(--primary); color: var(--white); box-shadow: 0 6px 20px rgba(26,58,92,0.25); }

.btn-outline-white { border: 2px solid var(--white); color: var(--white); background: transparent; }
.btn-outline-white:hover { background: var(--white); color: var(--primary); box-shadow: 0 6px 20px rgba(255,255,255,0.2); }

.btn-white { background: var(--white); color: var(--primary); border-color: var(--white); }
.btn-white:hover { box-shadow: 0 8px 30px rgba(255,255,255,0.3); }

.btn-lg { padding: 16px 36px; font-size: 1.05rem; }
.btn-sm { padding: 9px 20px; font-size: 0.85rem; }
.btn-block { display: flex; width: 100%; }

/* Cards */
.card {
    background: var(--white);
    border-radius: var(--radius);
    padding: 35px 30px;
    box-shadow: var(--shadow);
    transition: var(--transition);
    border: 1px solid var(--gray-100);
}
.card:hover { transform: translateY(-5px); box-shadow: var(--shadow-xl); border-color: transparent; }
.card-accent::before {
    content: '';
    position: absolute; top: 0; left: 0;
    width: 100%; height: 4px;
    background: linear-gradient(90deg, var(--secondary), var(--secondary-light));
    border-radius: var(--radius) var(--radius) 0 0;
    transform: scaleX(0); transition: transform 0.4s;
}
.card-accent { position: relative; overflow: hidden; }
.card-accent:hover::before { transform: scaleX(1); }

/* =============================================
   TOP BAR
   ============================================= */
.top-bar {
    background: var(--primary-dark);
    color: var(--white);
    padding: 8px 0;
    font-size: 0.82rem;
}
.top-bar .container { display: flex; justify-content: space-between; align-items: center; }
.top-bar-left { display: flex; gap: 20px; }
.top-bar-left span { display: flex; align-items: center; gap: 6px; }
.top-bar-left i { color: var(--secondary); font-size: 0.75rem; }
.top-bar-right { display: flex; gap: 10px; }
.top-bar-right a {
    width: 26px; height: 26px;
    display: flex; align-items: center; justify-content: center;
    border-radius: 50%;
    background: rgba(255,255,255,0.08);
    color: var(--white);
    font-size: 0.7rem;
    transition: var(--transition);
}
.top-bar-right a:hover { background: var(--secondary); transform: translateY(-2px); }

/* =============================================
   HEADER / NAVIGATION
   ============================================= */
.main-header {
    background: var(--white);
    padding: 12px 0;
    position: sticky;
    top: 0;
    z-index: 1000;
    box-shadow: var(--shadow-sm);
    transition: var(--transition);
}
.main-header.scrolled { padding: 8px 0; box-shadow: var(--shadow-md); }
.main-header .container { display: flex; align-items: center; justify-content: space-between; }
.logo img { height: 62px; transition: var(--transition); }
.logo:hover img { transform: scale(1.04); filter: brightness(1.05); }
.main-header.scrolled .logo img { height: 48px; }

.main-nav ul { display: flex; gap: 2px; }
.main-nav a {
    padding: 9px 15px;
    font-weight: 500;
    font-size: 0.9rem;
    color: var(--gray-700);
    border-radius: var(--radius-sm);
    transition: var(--transition);
}
.main-nav a:hover, .main-nav a.active { color: var(--secondary); background: rgba(232,122,46,0.06); }
.header-cta { padding: 10px 22px; font-size: 0.85rem; }

.hamburger { display: none; flex-direction: column; gap: 5px; cursor: pointer; padding: 5px; z-index: 1001; }
.hamburger span { width: 26px; height: 2.5px; background: var(--primary); border-radius: 3px; transition: var(--transition); }
.hamburger.active span:nth-child(1) { transform: rotate(45deg) translate(5px, 5px); }
.hamburger.active span:nth-child(2) { opacity: 0; }
.hamburger.active span:nth-child(3) { transform: rotate(-45deg) translate(5px, -5px); }

/* =============================================
   PAGE BANNER (inner pages)
   ============================================= */
.page-banner {
    background: linear-gradient(135deg, var(--primary), var(--primary-dark));
    padding: 90px 0 70px;
    text-align: center;
    position: relative;
    overflow: hidden;
    /* Dot pattern texture */
    background-image:
        linear-gradient(135deg, var(--primary) 0%, var(--primary-dark) 100%),
        radial-gradient(circle, rgba(255,255,255,0.03) 1px, transparent 1px);
    background-size: 100% 100%, 20px 20px;
}
.page-banner::before {
    content: '';
    position: absolute;
    top: -50%; right: -20%;
    width: 600px; height: 600px;
    background: radial-gradient(circle, rgba(232,122,46,0.12) 0%, transparent 60%);
    border-radius: 50%;
    animation: bannerPulse 6s ease-in-out infinite;
}
.page-banner::after {
    content: '';
    position: absolute;
    bottom: -40%; left: -15%;
    width: 500px; height: 500px;
    background: radial-gradient(circle, rgba(37,99,235,0.08) 0%, transparent 60%);
    border-radius: 50%;
    animation: bannerPulse 8s ease-in-out infinite reverse;
}
@keyframes bannerPulse {
    0%, 100% { transform: scale(1); opacity: 1; }
    50% { transform: scale(1.1); opacity: 0.7; }
}
/* Geometric line accents */
.page-banner .container { position: relative; z-index: 2; }
.page-banner h1 {
    font-size: 2.5rem; font-weight: 700; color: var(--white);
    margin-bottom: 10px; position: relative; z-index: 2;
}
.page-banner p { color: rgba(255,255,255,0.75); font-size: 1.05rem; position: relative; z-index: 2; }
.breadcrumb { display: flex; align-items: center; justify-content: center; gap: 8px; margin-top: 15px; }
.breadcrumb a { color: rgba(255,255,255,0.6); font-size: 0.9rem; }
.breadcrumb a:hover { color: var(--secondary); }
.breadcrumb span { color: var(--secondary); font-size: 0.9rem; }
.breadcrumb i { color: rgba(255,255,255,0.4); font-size: 0.7rem; }

/* =============================================
   TICKER BAR
   ============================================= */
.ticker-bar { background: var(--primary); padding: 10px 0; overflow: hidden; }
.ticker-content { display: flex; animation: ticker-scroll 35s linear infinite; white-space: nowrap; }
.ticker-item { display: inline-flex; align-items: center; gap: 8px; padding: 0 30px; color: var(--white); font-size: 0.82rem; }
.fund-name { font-weight: 600; }
.fund-nav { color: rgba(255,255,255,0.6); }
.fund-change.positive { color: #4ade80; }
.fund-change.negative { color: #f87171; }
@keyframes ticker-scroll { 0% { transform: translateX(0); } 100% { transform: translateX(-50%); } }

/* =============================================
   HERO CAROUSEL (homepage)
   ============================================= */
.hero-carousel { position: relative; height: 88vh; min-height: 620px; overflow: hidden; }
.carousel-slides { width: 100%; height: 100%; }
.carousel-slide {
    position: absolute; top: 0; left: 0;
    width: 100%; height: 100%;
    background-size: cover; background-position: center;
    opacity: 0; transition: opacity 1s ease;
    display: flex; align-items: center;
}
.carousel-slide.active { opacity: 1; }
.carousel-overlay {
    position: absolute; top: 0; left: 0; width: 100%; height: 100%;
    background: linear-gradient(135deg, rgba(26,58,92,0.88), rgba(15,38,64,0.72));
}
.carousel-content { position: relative; z-index: 2; max-width: 680px; }
.carousel-content h1 { font-size: 3.2rem; font-weight: 800; color: var(--white); line-height: 1.2; margin-bottom: 20px; }
.carousel-content h1 span { color: var(--secondary); }
.carousel-content p { font-size: 1.1rem; color: rgba(255,255,255,0.85); margin-bottom: 35px; line-height: 1.8; }
.hero-buttons { display: flex; gap: 15px; flex-wrap: wrap; }

.carousel-controls button {
    position: absolute; top: 50%; transform: translateY(-50%);
    width: 48px; height: 48px; border-radius: 50%;
    background: rgba(255,255,255,0.12); border: 2px solid rgba(255,255,255,0.25);
    color: var(--white); font-size: 1.1rem; cursor: pointer;
    transition: var(--transition); backdrop-filter: blur(4px); z-index: 10;
}
.carousel-controls button:hover { background: var(--secondary); border-color: var(--secondary); }
.carousel-prev { left: 25px; }
.carousel-next { right: 25px; }
.carousel-dots { position: absolute; bottom: 30px; left: 50%; transform: translateX(-50%); display: flex; gap: 10px; z-index: 10; }
.carousel-dots .dot { width: 10px; height: 10px; border-radius: 50%; background: rgba(255,255,255,0.35); cursor: pointer; transition: var(--transition); }
.carousel-dots .dot.active { background: var(--secondary); transform: scale(1.4); }

/* =============================================
   STATS
   ============================================= */
.stats-section { padding: 60px 0; background: var(--gray-50); }
.stats-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 25px; }
.stat-card { background: var(--white); padding: 30px 20px; border-radius: var(--radius); text-align: center; box-shadow: var(--shadow); transition: var(--transition); }
.stat-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.stat-icon {
    width: 56px; height: 56px;
    background: linear-gradient(135deg, var(--secondary), var(--secondary-light));
    border-radius: 50%; display: flex; align-items: center; justify-content: center;
    margin: 0 auto 12px; color: var(--white); font-size: 1.3rem;
}
.stat-card h3 { font-size: 2.2rem; font-weight: 800; color: var(--primary); margin-bottom: 4px; }
.stat-card p { color: var(--gray-500); font-weight: 500; font-size: 0.9rem; }

/* =============================================
   FOOTER
   ============================================= */
.main-footer { background: var(--dark); color: rgba(255,255,255,0.7); padding: 80px 0 0; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 2fr; gap: 40px; padding-bottom: 50px; border-bottom: 1px solid rgba(255,255,255,0.08); }
.footer-logo { height: 48px; margin-bottom: 15px; }
.footer-about p { font-size: 0.88rem; line-height: 1.7; margin-bottom: 8px; }
.footer-about .tagline { color: var(--secondary); font-style: italic; }
.footer-social { display: flex; gap: 10px; margin-top: 18px; }
.footer-social a {
    width: 36px; height: 36px; border-radius: 50%;
    background: rgba(255,255,255,0.08); display: flex; align-items: center; justify-content: center;
    color: var(--white); transition: var(--transition); font-size: 0.85rem;
}
.footer-social a:hover { background: var(--secondary); transform: translateY(-3px); }
.footer-links h4 { color: var(--white); font-size: 1rem; margin-bottom: 18px; }
.footer-links li { margin-bottom: 10px; }
.footer-links a { color: rgba(255,255,255,0.55); font-size: 0.88rem; }
.footer-links a:hover { color: var(--secondary); padding-left: 4px; }
.footer-newsletter h4 { color: var(--white); font-size: 1rem; margin-bottom: 12px; }
.footer-newsletter > p { font-size: 0.88rem; margin-bottom: 15px; }
.newsletter-form { display: flex; flex-wrap: wrap; align-items: stretch; margin-bottom: 18px; }
.newsletter-input-wrap { display: flex; flex: 1; min-width: 0; width: 100%; align-items: stretch; }
.footer-newsletter .newsletter-form { flex-direction: column; gap: 8px; }
.newsletter-form input {
    flex: 1;
    min-width: 0;
    padding: 11px 14px;
    border: none;
    border-radius: var(--radius-sm) 0 0 var(--radius-sm);
    font-size: 0.88rem;
    font-family: var(--font);
}
.newsletter-form button {
    flex-shrink: 0;
    padding: 11px 16px;
    background: var(--secondary);
    border: none;
    border-radius: 0 var(--radius-sm) var(--radius-sm) 0;
    color: var(--white);
    cursor: pointer;
    transition: var(--transition);
}
.newsletter-form button:hover { background: var(--secondary-light); }
.newsletter-error {
    display: none;
    width: 100%;
    font-size: 0.75rem;
    color: #fca5a5;
    line-height: 1.3;
}
.newsletter-form.has-error .newsletter-error { display: block; }
.newsletter-form.has-error input,
.newsletter-form input.error {
    box-shadow: inset 0 0 0 1px #f87171;
}
.footer-certifications { padding-top: 12px; border-top: 1px solid rgba(255,255,255,0.08); font-size: 0.78rem; }
.footer-bottom { padding: 20px 0; text-align: center; font-size: 0.82rem; }
.footer-bottom .disclaimer { margin-top: 6px; font-size: 0.78rem; color: rgba(255,255,255,0.4); font-style: italic; }

/* =============================================
   BACK TO TOP
   ============================================= */
.back-to-top {
    position: fixed; bottom: 160px; right: 28px;
    width: 42px; height: 42px;
    background: linear-gradient(135deg, var(--secondary), var(--secondary-light));
    color: var(--white); border: none; border-radius: 50%; font-size: 1rem;
    opacity: 0; visibility: hidden; transition: var(--transition);
    box-shadow: 0 4px 15px rgba(232,122,46,0.4); z-index: 995;
    display: flex; align-items: center; justify-content: center; cursor: pointer;
}
.back-to-top.visible { opacity: 1; visibility: visible; }
.back-to-top:hover { transform: translateY(-4px); }

/* =============================================
   FORMS (reusable)
   ============================================= */
.form-group { margin-bottom: 18px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 15px; }
.form-label { display: block; font-weight: 600; color: var(--primary); margin-bottom: 8px; font-size: 0.88rem; }
.form-control {
    width: 100%; padding: 13px 16px;
    border: 2px solid var(--gray-200);
    border-radius: var(--radius-sm);
    font-size: 0.92rem;
    transition: var(--transition);
    background: var(--white);
}
.form-control:focus { border-color: var(--secondary); box-shadow: 0 0 0 4px rgba(232,122,46,0.08); }
select.form-control {
    appearance: none;
    background: var(--white) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 12 12'%3E%3Cpath fill='%236b7280' d='M6 8L1 3h10z'/%3E%3C/svg%3E") no-repeat right 14px center;
}
textarea.form-control { resize: vertical; min-height: 100px; }
.form-error { color: var(--red); font-size: 0.8rem; margin-top: 4px; display: none; }
.form-group.error .form-control { border-color: var(--red); }
.form-group.error .form-error { display: block; }

/* =============================================
   SCROLL ANIMATIONS
   ============================================= */
[data-aos] { opacity: 0; transform: translateY(25px); transition: opacity 0.6s ease, transform 0.6s ease; }
[data-aos].aos-animate { opacity: 1; transform: translateY(0) translateX(0) scale(1); }
[data-aos="fade-right"] { transform: translateX(-25px); }
[data-aos="fade-left"] { transform: translateX(25px); }
[data-aos="zoom-in"] { transform: scale(0.92); }

/* =============================================
   RESPONSIVE
   ============================================= */
@media (max-width: 1024px) {
    .grid-4 { grid-template-columns: repeat(2, 1fr); }
    .grid-3 { grid-template-columns: repeat(2, 1fr); }
    .footer-grid { grid-template-columns: 1fr 1fr; gap: 30px; }
    .stats-grid { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 768px) {
    .section { padding: 70px 0; }
    .top-bar-left { font-size: 0.72rem; }
    .top-bar .container { flex-wrap: wrap; justify-content: center; gap: 6px; }
    .top-bar-left { gap: 12px; }
    .top-bar-right { margin: 0; }
    .main-nav {
        position: fixed; top: 0; right: -100%;
        width: 280px; height: 100vh;
        background: var(--white); padding: 80px 25px 25px;
        box-shadow: var(--shadow-xl); transition: right 0.4s ease; z-index: 999;
    }
    .main-nav.active { right: 0; }
    .main-nav ul { flex-direction: column; gap: 3px; }
    .main-nav a { display: block; padding: 12px 15px; }
    .header-cta { display: none; }
    .hamburger { display: flex; }
    .hero-carousel { height: 70vh; min-height: 480px; }
    .carousel-content h1 { font-size: 2rem; }
    .carousel-controls button { width: 38px; height: 38px; font-size: 0.9rem; }
    .carousel-prev { left: 12px; }
    .carousel-next { right: 12px; }
    .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; }
    .stats-grid { grid-template-columns: repeat(2, 1fr); }
    .section-header h2 { font-size: 1.8rem; }
    .page-banner h1 { font-size: 1.8rem; }
    .page-banner { padding: 60px 0 40px; }
    .footer-grid { grid-template-columns: 1fr; }
    .form-row { grid-template-columns: 1fr; }
}

@media (max-width: 480px) {
    .ticker-content { animation: ticker-scroll 10s linear infinite; }
    .hero-carousel { height: 60vh; min-height: 400px; }
    .carousel-content h1 { font-size: 1.6rem; }
    .hero-buttons { flex-direction: column; }
    .hero-buttons .btn { width: 100%; justify-content: center; }
    .stats-grid { grid-template-columns: 1fr; }
    .btn-lg { padding: 14px 28px; font-size: 0.95rem; }
}