/* ============================================
   COMPONENT STYLES
   Widgets, Modals, Forms, etc.
   ============================================ */

/* === Sticky CTA Button === */
.sticky-cta {
    position: fixed;
    bottom: 30px;
    right: 30px;
    z-index: 999;
    opacity: 0;
    transform: translateY(20px);
    transition: var(--transition-smooth);
    box-shadow: var(--shadow-gold);
}

.sticky-cta.visible {
    opacity: 1;
    transform: translateY(0);
}

/* === FX Rates Widget === */
.fx-widget {
    background: white;
    border-radius: 16px;
    padding: var(--spacing-md);
    box-shadow: var(--shadow-card);
    border: 2px solid var(--gold-highlight);
}

.fx-ticker {
    display: flex;
    gap: var(--spacing-md);
    overflow-x: auto;
    padding: var(--spacing-sm) 0;
    scroll-behavior: smooth;
    justify-content: center;
    flex-wrap: wrap;
}

.fx-ticker-widget-container .fx-ticker {
    justify-content: center;
    flex-wrap: wrap;
    gap: 1rem;
}

.fx-rate {
    display: flex;
    flex-direction: column;
    align-items: center;
    min-width: 120px;
    padding: var(--spacing-sm);
    background: var(--ivory-bg);
    border-radius: 8px;
}

.fx-ticker-widget-container .fx-rate {
    background: rgba(255, 255, 255, 0.1);
    backdrop-filter: blur(10px);
    border: 1px solid rgba(201, 163, 69, 0.3);
    min-width: 100px;
    padding: 0.5rem;
}

.fx-rate .currency {
    font-weight: 700;
    color: var(--navy-primary);
    font-size: 1.1rem;
}

.fx-ticker-widget-container .fx-rate .currency {
    color: white;
    font-size: 0.9rem;
}

.fx-rate .rate {
    color: var(--emerald-green);
    font-size: 1.3rem;
    font-weight: 600;
}

.fx-ticker-widget-container .fx-rate .rate {
    color: var(--gold-highlight);
    font-size: 1rem;
}

.fx-rate .change {
    font-size: 0.85rem;
    color: var(--slate-grey);
}

.fx-rate .change.positive {
    color: var(--emerald-green);
}

.fx-rate .change.negative {
    color: #dc3545;
}

.fx-ticker-widget-container .fx-rate .change.positive {
    color: #28a745;
}

.fx-ticker-widget-container .fx-rate .change.negative {
    color: #dc3545;
}

/* === Calculator Widgets === */
.calculator-widget {
    background: white;
    border-radius: 16px;
    padding: var(--spacing-md);
    box-shadow: var(--shadow-card);
}

.calculator-widget h3 {
    color: var(--navy-primary);
    margin-bottom: var(--spacing-md);
    border-bottom: 2px solid var(--gold-highlight);
    padding-bottom: var(--spacing-sm);
}

.calculator-input {
    margin-bottom: var(--spacing-sm);
}

.calculator-input label {
    display: block;
    margin-bottom: var(--spacing-xs);
    color: var(--slate-grey);
    font-weight: 500;
}

.calculator-input input,
.calculator-input select {
    width: 100%;
    padding: 12px;
    border: 2px solid rgba(192, 192, 192, 0.2);
    border-radius: 8px;
    font-size: 1rem;
    transition: var(--transition-smooth);
}

.calculator-input input:focus,
.calculator-input select:focus {
    outline: none;
    border-color: var(--gold-highlight);
    box-shadow: 0 0 0 3px rgba(192, 192, 192, 0.1);
}

.calculator-result {
    background: var(--navy-gradient);
    color: white;
    padding: var(--spacing-md);
    border-radius: 12px;
    margin-top: var(--spacing-md);
    text-align: center;
}

.calculator-result .amount {
    font-size: 2.5rem;
    font-weight: 700;
    color: var(--gold-highlight);
    margin: var(--spacing-sm) 0;
}

/* === Security Widgets === */
.security-widget {
    background: var(--glass-bg);
    backdrop-filter: blur(20px);
    border: 1px solid var(--glass-border);
    border-radius: 16px;
    padding: var(--spacing-md);
    margin-bottom: var(--spacing-md);
}

.security-score {
    display: flex;
    align-items: center;
    gap: var(--spacing-sm);
    margin-bottom: var(--spacing-sm);
}

.security-score-bar {
    flex: 1;
    height: 8px;
    background: rgba(255, 255, 255, 0.2);
    border-radius: 4px;
    overflow: hidden;
}

.security-score-fill {
    height: 100%;
    background: var(--emerald-green);
    transition: width 0.5s ease;
}

.device-recognition {
    display: flex;
    align-items: center;
    gap: var(--spacing-sm);
    padding: var(--spacing-sm);
    background: rgba(255, 255, 255, 0.1);
    border-radius: 8px;
    margin-bottom: var(--spacing-sm);
}

.device-icon {
    width: 40px;
    height: 40px;
    background: var(--gold-highlight);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--navy-primary);
    font-weight: 700;
}

/* === Modal Styles === */
.modal {
    display: none;
    position: fixed;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background: rgba(10, 26, 47, 0.8);
    z-index: 2000;
    align-items: center;
    justify-content: center;
    backdrop-filter: blur(5px);
}

.modal.active {
    display: flex;
    animation: modalBackdropFade 0.3s ease-out;
}

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

.modal-content {
    background: white;
    border-radius: var(--radius-xl);
    padding: var(--spacing-md);  /* Reduced from lg */
    max-width: 37.5rem;  /* 600px */
    width: 90%;
    max-height: 90vh;
    overflow-y: auto;
    position: relative;
    animation: modalScaleIn 0.3s cubic-bezier(0.34, 1.56, 0.64, 1) forwards;
    box-shadow: var(--shadow-card);
    opacity: 0;
    transform: scale(0.95) translateY(20px);
}

.modal.active .modal-content {
    opacity: 1;
    transform: scale(1) translateY(0);
}

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

@keyframes modalScaleIn {
    from {
        opacity: 0;
        transform: scale(0.95) translateY(20px);
    }
    to {
        opacity: 1;
        transform: scale(1) translateY(0);
    }
}

.modal-close {
    position: absolute;
    top: var(--spacing-sm);
    right: var(--spacing-sm);
    background: none;
    border: none;
    font-size: var(--fs-xl);
    cursor: pointer;
    color: var(--slate-grey);
    transition: var(--transition-smooth);
    width: 2.75rem;  /* 44px - accessibility */
    height: 2.75rem;
    display: flex;
    align-items: center;
    justify-content: center;
    border-radius: var(--radius-sm);
}

.modal-close:hover {
    background: rgba(0, 0, 0, 0.05);
    color: var(--navy-primary);
    transform: rotate(90deg);
}

/* === Toast Notifications - Rescaled === */
.toast-container {
    position: fixed;
    bottom: 1.25rem;  /* 20px */
    right: 1.25rem;
    z-index: 3000;
    display: flex;
    flex-direction: column;
    gap: 0.625rem;  /* 10px */
    pointer-events: none;
}

.toast {
    background: var(--navy-primary);
    color: white;
    padding: 0.875rem 1rem;  /* Reduced from 1rem 1.25rem */
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-card);
    min-width: 20rem;  /* 320px */
    max-width: 25rem;  /* 400px */
    display: flex;
    align-items: center;
    gap: var(--spacing-sm);
    opacity: 0;
    transform: translateX(25rem);
    transition: all 0.4s cubic-bezier(0.68, -0.55, 0.27, 1.55);
    pointer-events: auto;
    border-left: 3px solid transparent;
}

.toast.show {
    opacity: 1;
    transform: translateX(0);
}

.toast-icon {
    flex-shrink: 0;
    width: 1.5rem;  /* 24px */
    height: 1.5rem;
    display: flex;
    align-items: center;
    justify-content: center;
}

.toast-content {
    flex: 1;
}

.toast-message {
    font-size: var(--fs-sm);
    line-height: var(--line-height-base);
}

.toast-close {
    background: none;
    border: none;
    color: rgba(255, 255, 255, 0.7);
    cursor: pointer;
    padding: 0.25rem;
    display: flex;
    align-items: center;
    justify-content: center;
    transition: var(--transition-smooth);
    flex-shrink: 0;
    width: 1.75rem;  /* 28px - accessibility */
    height: 1.75rem;
    min-width: 44px;
    min-height: 44px;
}

.toast-close:hover {
    color: white;
    transform: scale(1.1);
}

.toast-success {
    background: var(--emerald-green);
    border-left-color: #0d7d6b;
}

.toast-error {
    background: #d32f2f;
    border-left-color: #b71c1c;
}

.toast-warning {
    background: #f57c00;
    border-left-color: #e65100;
}

.toast-info {
    background: #1976d2;
    border-left-color: #0d47a1;
}

@media (max-width: 768px) {
    .toast-container {
        bottom: 0.625rem;  /* 10px */
        right: 0.625rem;
        left: 0.625rem;
    }
    
    .toast {
        min-width: auto;
        max-width: 100%;
    }
}

/* === Cookie Policy Banner === */
.cookie-policy-banner {
    position: fixed;
    bottom: 0;
    left: 0;
    right: 0;
    width: 100%;
    background: linear-gradient(135deg, rgba(10, 26, 47, 0.98) 0%, rgba(26, 42, 63, 0.98) 100%);
    backdrop-filter: blur(20px);
    -webkit-backdrop-filter: blur(20px);
    border-top: 2px solid var(--gold-highlight);
    box-shadow: 0 -10px 40px rgba(0, 0, 0, 0.3);
    z-index: 2999;
    padding: var(--spacing-md) var(--spacing-md) var(--spacing-md) var(--spacing-md);
    display: flex;
    align-items: center;
    justify-content: center;
    opacity: 0;
    transform: translateY(100%);
    transition: all 0.4s cubic-bezier(0.68, -0.55, 0.27, 1.55);
}

.cookie-policy-banner.show {
    opacity: 1;
    transform: translateY(0);
}

.cookie-policy-content {
    max-width: 1200px;
    width: 100%;
    display: flex;
    align-items: center;
    gap: var(--spacing-md);
    flex-wrap: wrap;
}

.cookie-policy-icon {
    flex-shrink: 0;
    width: 3rem;  /* 48px */
    height: 3rem;
    background: var(--gold-highlight);
    border-radius: var(--radius-lg);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--navy-primary);
    font-size: var(--fs-lg);
    box-shadow: var(--shadow-gold);
}

.cookie-policy-icon svg {
    width: 1.5rem;  /* 24px */
    height: 1.5rem;
}

.cookie-policy-text {
    flex: 1;
    min-width: 250px;
}

.cookie-policy-title {
    font-size: var(--fs-lg);
    font-weight: 700;
    color: white;
    margin-bottom: var(--space-2);
    font-family: var(--font-heading);
}

.cookie-policy-message {
    font-size: var(--fs-sm);
    color: rgba(255, 255, 255, 0.9);
    line-height: var(--line-height-relaxed);
    margin: 0;
}

.cookie-policy-message a {
    color: var(--gold-highlight);
    text-decoration: underline;
    transition: var(--transition-smooth);
}

.cookie-policy-message a:hover {
    color: var(--emerald-green);
}

.cookie-policy-actions {
    display: flex;
    gap: var(--spacing-sm);
    flex-shrink: 0;
    flex-wrap: wrap;
}

.cookie-btn {
    padding: 0.625rem 1.25rem;  /* Reduced from 0.75rem 1.5rem */
    border: none;
    border-radius: var(--radius-md);
    font-size: var(--fs-sm);
    font-weight: 600;
    font-family: var(--font-body);
    cursor: pointer;
    transition: var(--transition-smooth);
    white-space: nowrap;
    min-width: 7.5rem;  /* 120px */
    min-height: 2.75rem;  /* 44px - accessibility */
}

.cookie-btn-accept {
    background: var(--gold-highlight);
    color: var(--black-primary);
    box-shadow: 0 4px 12px rgba(201, 163, 69, 0.3);
}

.cookie-btn-accept:hover {
    background: #B8942F;
    transform: translateY(-2px);
    box-shadow: 0 6px 16px rgba(201, 163, 69, 0.4);
}

.cookie-btn-accept:active {
    transform: translateY(0);
}

.cookie-btn-decline {
    background: rgba(255, 255, 255, 0.1);
    color: white;
    border: 2px solid rgba(255, 255, 255, 0.3);
}

.cookie-btn-decline:hover {
    background: rgba(255, 255, 255, 0.15);
    border-color: rgba(255, 255, 255, 0.5);
    transform: translateY(-2px);
}

.cookie-btn-decline:active {
    transform: translateY(0);
}

@media (max-width: 768px) {
    .cookie-policy-banner {
        padding: var(--spacing-sm);
    }
    
    .cookie-policy-content {
        flex-direction: column;
        align-items: stretch;
        gap: var(--spacing-sm);
    }
    
    .cookie-policy-icon {
        width: 40px;
        height: 40px;
        font-size: 1.25rem;
    }
    
    .cookie-policy-text {
        min-width: auto;
    }
    
    .cookie-policy-title {
        font-size: 1rem;
    }
    
    .cookie-policy-message {
        font-size: 0.85rem;
    }
    
    .cookie-policy-actions {
        width: 100%;
        flex-direction: column;
    }
    
    .cookie-btn {
        width: 100%;
        min-width: auto;
    }
}

@media (max-width: 480px) {
    .cookie-policy-banner {
        padding: var(--spacing-sm);
    }
    
    .cookie-policy-title {
        font-size: 0.95rem;
    }
    
    .cookie-policy-message {
        font-size: 0.8rem;
    }
}

/* === Form Styles - Rescaled === */
.form-group {
    margin-bottom: var(--spacing-sm);
}

.form-group label {
    display: block;
    margin-bottom: var(--space-2);
    color: var(--navy-primary);
    font-weight: 500;
    font-size: var(--fs-sm);
}

.form-group input,
.form-group textarea,
.form-group select {
    width: 100%;
    padding: 0.625rem 0.75rem;  /* 10px 12px - reduced from 12px */
    border: 2px solid rgba(192, 192, 192, 0.2);
    border-radius: var(--radius-md);
    font-size: var(--fs-md);
    font-family: var(--font-body);
    transition: var(--transition-smooth);
    line-height: 1.5;
    min-height: 2.75rem;  /* 44px - accessibility */
}

.form-group input:focus,
.form-group textarea:focus,
.form-group select:focus {
    outline: none;
    border-color: var(--gold-highlight);
    box-shadow: 0 0 0 3px rgba(192, 192, 192, 0.1);
}

.form-group input.error,
.form-group textarea.error {
    border-color: #d32f2f;
}

.form-group .error-message {
    color: #d32f2f;
    font-size: 0.85rem;
    margin-top: var(--spacing-xs);
}

/* === Card Flip Animation === */
.card-container {
    perspective: 1000px;
    width: 100%;
    max-width: 400px;
    margin: 0 auto;
}

.card-flip {
    position: relative;
    width: 100%;
    height: 250px;
    transform-style: preserve-3d;
    transition: transform 0.6s;
    cursor: pointer;
}

.card-flip.flipped {
    transform: rotateY(180deg);
}

.card-front,
.card-back {
    position: absolute;
    width: 100%;
    height: 100%;
    backface-visibility: hidden;
    border-radius: 16px;
    padding: var(--spacing-md);
    box-shadow: var(--shadow-card);
}

.card-back {
    transform: rotateY(180deg);
    background: var(--slate-grey);
    color: white;
}

/* === Document Vault === */
.document-vault {
    background: white;
    border-radius: 16px;
    padding: var(--spacing-md);
    box-shadow: var(--shadow-card);
}

.vault-header {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: var(--spacing-md);
    flex-wrap: wrap;
    gap: var(--spacing-sm);
}

.vault-filters {
    display: flex;
    gap: var(--spacing-sm);
    flex-wrap: wrap;
}

.vault-filter-btn {
    padding: 8px 16px;
    border: 2px solid rgba(192, 192, 192, 0.2);
    background: white;
    border-radius: 6px;
    cursor: pointer;
    transition: var(--transition-smooth);
}

.vault-filter-btn.active {
    background: var(--gold-highlight);
    color: var(--navy-primary);
    border-color: var(--gold-highlight);
}

.document-grid {
    display: grid;
    grid-template-columns: repeat(auto-fill, minmax(200px, 1fr));
    gap: var(--spacing-md);
}

.document-item {
    background: var(--ivory-bg);
    border-radius: 12px;
    padding: var(--spacing-md);
    cursor: pointer;
    transition: var(--transition-smooth);
    border: 2px solid transparent;
}

.document-item:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-card);
    border-color: var(--gold-highlight);
}

.document-icon {
    font-size: 3rem;
    text-align: center;
    margin-bottom: var(--spacing-sm);
    color: var(--gold-highlight);
}

.document-name {
    font-weight: 600;
    color: var(--navy-primary);
    margin-bottom: var(--spacing-xs);
}

.document-date {
    font-size: 0.85rem;
    color: var(--slate-grey);
}

/* === Accordion === */
.accordion {
    background: white;
    border-radius: 12px;
    margin-bottom: var(--spacing-sm);
    box-shadow: var(--shadow-card);
    overflow: hidden;
}

.accordion-header {
    padding: var(--spacing-md);
    cursor: pointer;
    display: flex;
    justify-content: space-between;
    align-items: center;
    background: var(--ivory-bg);
    transition: var(--transition-smooth);
}

.accordion-header:hover {
    background: rgba(201, 163, 69, 0.1);
}

.accordion-header.active {
    background: var(--gold-highlight);
    color: var(--navy-primary);
}

.accordion-icon {
    transition: transform 0.3s ease;
}

.accordion-header.active .accordion-icon {
    transform: rotate(180deg);
}

.accordion-content {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.3s ease;
}

.accordion-content.active {
    max-height: 1000px;
}

.accordion-body {
    padding: var(--spacing-md);
    color: var(--slate-grey);
}

/* === Timeline Component === */
.timeline {
    position: relative;
    padding: var(--spacing-md) 0;
}

.timeline::before {
    content: '';
    position: absolute;
    left: 20px;
    top: 0;
    bottom: 0;
    width: 2px;
    background: var(--gold-highlight);
}

.timeline-item {
    position: relative;
    padding-left: 60px;
    margin-bottom: var(--spacing-md);
}

.timeline-dot {
    position: absolute;
    left: 12px;
    top: 0;
    width: 16px;
    height: 16px;
    background: var(--gold-highlight);
    border-radius: 50%;
    border: 3px solid white;
    box-shadow: 0 0 0 3px var(--gold-highlight);
}

.timeline-content {
    background: white;
    padding: var(--spacing-md);
    border-radius: 12px;
    box-shadow: var(--shadow-card);
}

.timeline-date {
    color: var(--gold-highlight);
    font-weight: 600;
    font-size: 0.9rem;
    margin-bottom: var(--spacing-xs);
}

/* === Responsive === */
@media (max-width: 768px) {
    .sticky-cta {
        bottom: 20px;
        right: 20px;
        padding: 12px 24px;
        font-size: 0.85rem;
    }
    
    .document-grid {
        grid-template-columns: repeat(auto-fill, minmax(150px, 1fr));
    }
    
    .modal-content {
        width: 95%;
        padding: var(--spacing-md);
    }
}

/* === Breadcrumb Navigation === */
.breadcrumb {
    margin: var(--spacing-md) 0;
    padding: 0 var(--spacing-md);
}

.breadcrumb-list {
    display: flex;
    align-items: center;
    flex-wrap: wrap;
    gap: 0.5rem;
    list-style: none;
    padding: 0;
    margin: 0;
}

.breadcrumb-item {
    display: flex;
    align-items: center;
    font-size: 0.9rem;
}

.breadcrumb-item:not(:last-child)::after {
    content: '/';
    margin-left: 0.5rem;
    color: rgba(255, 255, 255, 0.5);
    font-size: 0.85rem;
}

.breadcrumb-link {
    color: rgba(255, 255, 255, 0.8);
    text-decoration: none;
    transition: var(--transition-smooth);
    padding: 0.25rem 0;
}

.breadcrumb-link:hover {
    color: var(--gold-highlight);
    text-decoration: underline;
}

.breadcrumb-current {
    color: white;
    font-weight: 600;
}

/* === Progress Indicator === */
.progress-indicator {
    margin: var(--spacing-lg) 0;
    padding: var(--spacing-md);
}

.progress-steps {
    display: flex;
    align-items: center;
    justify-content: space-between;
    position: relative;
    max-width: 800px;
    margin: 0 auto;
}

.progress-step {
    display: flex;
    flex-direction: column;
    align-items: center;
    flex: 1;
    position: relative;
    z-index: 2;
}

.progress-step-circle {
    width: 50px;
    height: 50px;
    border-radius: 50%;
    background: rgba(255, 255, 255, 0.1);
    border: 3px solid rgba(255, 255, 255, 0.3);
    display: flex;
    align-items: center;
    justify-content: center;
    transition: var(--transition-smooth);
    margin-bottom: 0.5rem;
}

.progress-step.completed .progress-step-circle {
    background: var(--emerald-green);
    border-color: var(--emerald-green);
    color: white;
}

.progress-step.active .progress-step-circle {
    background: var(--gold-highlight);
    border-color: var(--gold-highlight);
    color: var(--navy-primary);
    box-shadow: 0 0 0 8px rgba(201, 163, 69, 0.2);
    animation: pulse 2s infinite;
}

@keyframes pulse {
    0%, 100% { box-shadow: 0 0 0 8px rgba(201, 163, 69, 0.2); }
    50% { box-shadow: 0 0 0 12px rgba(201, 163, 69, 0.1); }
}

.progress-step.pending .progress-step-circle {
    background: rgba(255, 255, 255, 0.1);
    border-color: rgba(255, 255, 255, 0.3);
    color: rgba(255, 255, 255, 0.5);
}

.progress-check {
    width: 24px;
    height: 24px;
}

.progress-number {
    font-weight: 700;
    font-size: 1.1rem;
    color: inherit;
}

.progress-label {
    font-size: 0.85rem;
    color: rgba(255, 255, 255, 0.8);
    text-align: center;
    margin-top: 0.25rem;
}

.progress-step.active .progress-label {
    color: white;
    font-weight: 600;
}

.progress-connector {
    position: absolute;
    top: 25px;
    left: 50%;
    right: -50%;
    height: 3px;
    background: rgba(255, 255, 255, 0.2);
    z-index: 1;
    transition: var(--transition-smooth);
}

.progress-connector.completed {
    background: var(--emerald-green);
}

@media (max-width: 768px) {
    .progress-steps {
        flex-direction: column;
        gap: 1rem;
    }
    
    .progress-connector {
        display: none;
    }
    
    .progress-step {
        width: 100%;
        flex-direction: row;
        justify-content: flex-start;
        gap: 1rem;
    }
    
    .progress-label {
        text-align: left;
        margin-top: 0;
    }
}

/* === Loading Skeletons === */
.skeleton {
    background: linear-gradient(90deg, rgba(255, 255, 255, 0.1) 25%, rgba(255, 255, 255, 0.2) 50%, rgba(255, 255, 255, 0.1) 75%);
    background-size: 200% 100%;
    animation: shimmer 1.5s infinite;
    border-radius: 8px;
}

@keyframes shimmer {
    0% { background-position: -200% 0; }
    100% { background-position: 200% 0; }
}

.skeleton-text {
    height: 1rem;
    margin-bottom: 0.5rem;
}

.skeleton-title {
    height: 1.5rem;
    width: 60%;
    margin-bottom: 1rem;
}

.skeleton-avatar {
    width: 50px;
    height: 50px;
    border-radius: 50%;
}

.skeleton-card {
    padding: var(--spacing-md);
    background: rgba(255, 255, 255, 0.05);
    border-radius: 12px;
}

/* === Empty States === */
.empty-state {
    text-align: center;
    padding: var(--spacing-xl) var(--spacing-md);
    color: rgba(255, 255, 255, 0.7);
}

.empty-state-icon {
    font-size: 4rem;
    margin-bottom: var(--spacing-md);
    opacity: 0.5;
}

.empty-state-title {
    font-size: 1.5rem;
    color: white;
    margin-bottom: var(--spacing-sm);
}

.empty-state-message {
    font-size: 1rem;
    margin-bottom: var(--spacing-md);
    max-width: 500px;
    margin-left: auto;
    margin-right: auto;
}

.empty-state-action {
    margin-top: var(--spacing-md);
}

/* === Error States === */
.error-state {
    background: rgba(211, 47, 47, 0.1);
    border: 2px solid rgba(211, 47, 47, 0.3);
    border-radius: 12px;
    padding: var(--spacing-md);
    margin: var(--spacing-md) 0;
}

.error-state-icon {
    color: #d32f2f;
    font-size: 2rem;
    margin-bottom: var(--spacing-sm);
}

.error-state-title {
    color: #d32f2f;
    font-weight: 600;
    margin-bottom: var(--spacing-xs);
}

.error-state-message {
    color: rgba(255, 255, 255, 0.9);
    margin-bottom: var(--spacing-sm);
}

.error-state-actions {
    display: flex;
    gap: var(--spacing-sm);
    flex-wrap: wrap;
    margin-top: var(--spacing-sm);
}

/* === Status Badges === */
.status-badge {
    display: inline-flex;
    align-items: center;
    gap: 0.5rem;
    padding: 0.35rem 0.75rem;
    border-radius: 20px;
    font-size: 0.85rem;
    font-weight: 600;
    white-space: nowrap;
}

.status-badge-success {
    background: rgba(15, 164, 143, 0.2);
    color: var(--emerald-green);
    border: 1px solid rgba(15, 164, 143, 0.3);
}

.status-badge-warning {
    background: rgba(245, 124, 0, 0.2);
    color: #f57c00;
    border: 1px solid rgba(245, 124, 0, 0.3);
}

.status-badge-error {
    background: rgba(211, 47, 47, 0.2);
    color: #d32f2f;
    border: 1px solid rgba(211, 47, 47, 0.3);
}

.status-badge-info {
    background: rgba(25, 118, 210, 0.2);
    color: #1976d2;
    border: 1px solid rgba(25, 118, 210, 0.3);
}

.status-badge-pending {
    background: rgba(255, 255, 255, 0.1);
    color: rgba(255, 255, 255, 0.7);
    border: 1px solid rgba(255, 255, 255, 0.2);
}

.status-badge-dot {
    width: 8px;
    height: 8px;
    border-radius: 50%;
    background: currentColor;
}

/* === Scroll Progress Bar === */
.scroll-progress {
    position: fixed;
    top: 0;
    left: 0;
    width: 0%;
    height: 3px;
    background: var(--gold-highlight);
    z-index: 9999;
    transition: width 0.1s ease;
    box-shadow: 0 0 10px rgba(201, 163, 69, 0.5);
}

/* === Skip Links === */
.skip-link {
    position: absolute;
    top: -100px;
    left: 0;
    background: var(--gold-highlight);
    color: var(--navy-primary);
    padding: 1rem 1.5rem;
    text-decoration: none;
    font-weight: 600;
    z-index: 10000;
    border-radius: 0 0 8px 0;
    transition: top 0.3s ease;
}

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

/* === Enhanced Focus Indicators === */
*:focus-visible {
    outline: 3px solid var(--gold-highlight);
    outline-offset: 2px;
    border-radius: 4px;
}

button:focus-visible,
a:focus-visible {
    outline: 3px solid var(--gold-highlight);
    outline-offset: 3px;
}

input:focus-visible,
textarea:focus-visible,
select:focus-visible {
    outline: 3px solid var(--gold-highlight);
    outline-offset: 2px;
}

/* === Tooltips === */
.tooltip {
    position: relative;
    display: inline-block;
}

.tooltip-trigger {
    cursor: help;
    border-bottom: 1px dotted currentColor;
}

.tooltip-content {
    position: absolute;
    bottom: 100%;
    left: 50%;
    transform: translateX(-50%) translateY(-8px);
    background: var(--navy-primary);
    color: white;
    padding: 0.5rem 0.75rem;
    border-radius: 6px;
    font-size: 0.85rem;
    white-space: nowrap;
    opacity: 0;
    visibility: hidden;
    transition: all 0.3s ease;
    pointer-events: none;
    z-index: 1000;
    margin-bottom: 0.5rem;
    box-shadow: 0 4px 12px rgba(0, 0, 0, 0.3);
}

.tooltip-content::after {
    content: '';
    position: absolute;
    top: 100%;
    left: 50%;
    transform: translateX(-50%);
    border: 6px solid transparent;
    border-top-color: var(--navy-primary);
}

.tooltip:hover .tooltip-content,
.tooltip:focus .tooltip-content {
    opacity: 1;
    visibility: visible;
    transform: translateX(-50%) translateY(0);
}

/* === 3D Card Tilt Effect === */
.card-3d {
    transform-style: preserve-3d;
    transition: transform 0.3s ease;
}

.card-3d:hover {
    transform: perspective(1000px) rotateX(5deg) rotateY(5deg) scale(1.02);
}

.service-card,
.feature-card,
.banking-card {
    transition: transform 0.3s ease, box-shadow 0.3s ease;
    transform-style: preserve-3d;
}

.service-card:hover,
.feature-card:hover,
.banking-card:hover {
    transform: translateY(-8px) perspective(1000px) rotateX(2deg);
    box-shadow: 0 15px 40px rgba(0, 0, 0, 0.15);
}

/* === Ripple Effect === */
.ripple {
    position: relative;
    overflow: hidden;
}

.ripple::before {
    content: '';
    position: absolute;
    top: 50%;
    left: 50%;
    width: 0;
    height: 0;
    border-radius: 50%;
    background: rgba(255, 255, 255, 0.5);
    transform: translate(-50%, -50%);
    transition: width 0.6s, height 0.6s;
}

.ripple:active::before {
    width: 300px;
    height: 300px;
}

/* === Shimmer Effect === */
.shimmer {
    background: linear-gradient(90deg, 
        rgba(255, 255, 255, 0.1) 0%, 
        rgba(255, 255, 255, 0.2) 50%, 
        rgba(255, 255, 255, 0.1) 100%);
    background-size: 200% 100%;
    animation: shimmer 2s infinite;
}

@keyframes shimmer {
    0% { background-position: -200% 0; }
    100% { background-position: 200% 0; }
}

/* === Number Counter Animation === */
.counter {
    display: inline-block;
    font-variant-numeric: tabular-nums;
}

/* === Button Press Effect === */
.btn:active {
    transform: scale(0.98);
}

/* === Input Focus Animation === */
.form-group input:focus,
.form-group textarea:focus,
.form-group select:focus {
    animation: inputGlow 0.3s ease;
}

@keyframes inputGlow {
    0% { box-shadow: 0 0 0 0 rgba(201, 163, 69, 0.4); }
    100% { box-shadow: 0 0 0 3px rgba(201, 163, 69, 0.1); }
}

/* === Checkbox/Radio Animations === */
input[type="checkbox"],
input[type="radio"] {
    width: 20px;
    height: 20px;
    cursor: pointer;
    transition: all 0.3s ease;
}

input[type="checkbox"]:checked,
input[type="radio"]:checked {
    transform: scale(1.1);
}

/* === Icon Animations === */
.icon-animate {
    transition: transform 0.3s ease;
}

.icon-animate:hover {
    transform: scale(1.2) rotate(5deg);
}

/* === Success Animation === */
.success-animation {
    display: inline-flex;
    align-items: center;
    gap: 0.5rem;
    color: var(--emerald-green);
    animation: successPulse 0.6s ease;
}

@keyframes successPulse {
    0%, 100% { transform: scale(1); }
    50% { transform: scale(1.1); }
}

/* === Confirmation Modal === */
.confirmation-modal {
    text-align: center;
}

.confirmation-modal-icon {
    font-size: 4rem;
    margin-bottom: var(--spacing-md);
    color: var(--gold-highlight);
}

.confirmation-modal-actions {
    display: flex;
    gap: var(--spacing-sm);
    justify-content: center;
    margin-top: var(--spacing-lg);
}

/* === Inline Validation === */
.form-group {
    position: relative;
}

.form-group .validation-message {
    position: absolute;
    bottom: -1.5rem;
    left: 0;
    font-size: 0.8rem;
    color: var(--emerald-green);
    opacity: 0;
    transform: translateY(-5px);
    transition: all 0.3s ease;
}

.form-group.valid .validation-message {
    opacity: 1;
    transform: translateY(0);
}

.form-group.invalid .validation-message {
    color: #d32f2f;
    opacity: 1;
    transform: translateY(0);
}

/* === Mobile Touch Targets === */
@media (max-width: 768px) {
    button,
    .btn,
    a.btn {
        min-height: 44px;
        min-width: 44px;
        padding: 0.75rem 1.5rem;
    }
    
    input[type="checkbox"],
    input[type="radio"] {
        width: 24px;
        height: 24px;
    }
}

/* === Swipe Gestures === */
.swipeable {
    touch-action: pan-y;
    -webkit-overflow-scrolling: touch;
}

/* === Pull to Refresh === */
.pull-to-refresh {
    position: relative;
    overflow: hidden;
}

.pull-to-refresh-indicator {
    position: absolute;
    top: -50px;
    left: 50%;
    transform: translateX(-50%);
    transition: top 0.3s ease;
    color: var(--gold-highlight);
}

.pull-to-refresh.pulling .pull-to-refresh-indicator {
    top: 20px;
}

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

.scroll-reveal.revealed {
    opacity: 1;
    transform: translateY(0);
}

/* === Lazy Loading Images === */
img[loading="lazy"] {
    opacity: 0;
    transition: opacity 0.3s ease;
}

img[loading="lazy"].loaded {
    opacity: 1;
}

/* === Global Search === */
.global-search {
    position: relative;
    max-width: 600px;
    margin: 0 auto;
}

.search-input-wrapper {
    position: relative;
}

.search-input {
    width: 100%;
    padding: 0.75rem 3rem 0.75rem 1rem;
    border: 2px solid rgba(201, 163, 69, 0.3);
    border-radius: 50px;
    background: rgba(255, 255, 255, 0.1);
    color: white;
    font-size: 1rem;
    transition: var(--transition-smooth);
}

.search-input:focus {
    outline: none;
    border-color: var(--gold-highlight);
    background: rgba(255, 255, 255, 0.15);
    box-shadow: 0 0 0 3px rgba(201, 163, 69, 0.2);
}

.search-icon {
    position: absolute;
    right: 1rem;
    top: 50%;
    transform: translateY(-50%);
    color: var(--gold-highlight);
    pointer-events: none;
}

.search-results {
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    background: white;
    border-radius: 12px;
    box-shadow: 0 10px 30px rgba(0, 0, 0, 0.2);
    margin-top: 0.5rem;
    max-height: 400px;
    overflow-y: auto;
    z-index: 1000;
    display: none;
}

.search-results.active {
    display: block;
    animation: slideDown 0.3s ease;
}

@keyframes slideDown {
    from {
        opacity: 0;
        transform: translateY(-10px);
    }
    to {
        opacity: 1;
        transform: translateY(0);
    }
}

.search-result-item {
    padding: 1rem;
    border-bottom: 1px solid rgba(0, 0, 0, 0.1);
    cursor: pointer;
    transition: var(--transition-smooth);
}

.search-result-item:hover {
    background: rgba(201, 163, 69, 0.1);
}

.search-result-item:last-child {
    border-bottom: none;
}

.search-result-title {
    font-weight: 600;
    color: var(--navy-primary);
    margin-bottom: 0.25rem;
}

.search-result-snippet {
    font-size: 0.85rem;
    color: var(--slate-grey);
}

.search-no-results {
    padding: 2rem;
    text-align: center;
    color: var(--slate-grey);
}

/* === Language Selector === */
.language-selector {
    position: relative;
    display: inline-block;
}

.language-selector select {
    padding: 0.5rem 2rem 0.5rem 1rem;
    border: 2px solid rgba(201, 163, 69, 0.3);
    border-radius: 8px;
    background: rgba(255, 255, 255, 0.1);
    color: white;
    font-size: 0.9rem;
    cursor: pointer;
    appearance: none;
    background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23C9A345' stroke-width='2'%3E%3Cpolyline points='6 9 12 15 18 9'%3E%3C/polyline%3E%3C/svg%3E");
    background-repeat: no-repeat;
    background-position: right 0.5rem center;
    background-size: 1rem;
}

.language-selector select:focus {
    outline: none;
    border-color: var(--gold-highlight);
    box-shadow: 0 0 0 3px rgba(201, 163, 69, 0.2);
}

/* === Currency Selector === */
.currency-selector {
    display: inline-flex;
    align-items: center;
    gap: 0.5rem;
    padding: 0.5rem 1rem;
    border: 2px solid rgba(201, 163, 69, 0.3);
    border-radius: 8px;
    background: rgba(255, 255, 255, 0.1);
    color: white;
    cursor: pointer;
    transition: var(--transition-smooth);
}

.currency-selector:hover {
    border-color: var(--gold-highlight);
    background: rgba(255, 255, 255, 0.15);
}

.currency-symbol {
    font-weight: 700;
    color: var(--gold-highlight);
}

/* === Tab Transitions === */
.tab-container {
    position: relative;
}

.tab-content {
    display: none;
    animation: fadeIn 0.3s ease;
}

.tab-content.active {
    display: block;
}

@keyframes fadeIn {
    from { opacity: 0; transform: translateY(10px); }
    to { opacity: 1; transform: translateY(0); }
}

.tab-button {
    transition: all 0.3s ease;
}

.tab-button.active {
    background: var(--gold-highlight);
    color: var(--navy-primary);
}

/* === Page Transition === */
.page-transition {
    animation: pageFadeIn 0.4s ease;
}

@keyframes pageFadeIn {
    from {
        opacity: 0;
        transform: translateY(20px);
    }
    to {
        opacity: 1;
        transform: translateY(0);
    }
}