/* ========================================
   Community Financial Credit Union
   Fresh & Airy | Terracotta + Sand
   ======================================== */

/* --- CSS Variables --- */
:root {
  --terracotta: #C65D3E;
  --terracotta-dark: #A84A2F;
  --terracotta-light: #D4825F;
  --sand: #FDF6F0;
  --sand-mid: #F5E6D8;
  --sand-dark: #E8D5C4;
  --cream: #FFF9F5;
  --text-dark: #2D1F1A;
  --text-mid: #5C4A42;
  --text-light: #8A7568;
  --white: #FFFFFF;
  --font-display: 'DM Serif Display', Georgia, serif;
  --font-body: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
  --font-accent: 'Playfair Display', Georgia, serif;
  --shadow-sm: 0 1px 3px rgba(45,31,26,0.06), 0 1px 2px rgba(45,31,26,0.04);
  --shadow-md: 0 4px 16px rgba(45,31,26,0.08), 0 2px 6px rgba(45,31,26,0.04);
  --shadow-lg: 0 12px 40px rgba(45,31,26,0.12), 0 4px 12px rgba(45,31,26,0.06);
  --radius-sm: 8px;
  --radius-md: 14px;
  --radius-lg: 24px;
  --radius-xl: 32px;
  --transition: 0.3s cubic-bezier(0.4, 0, 0.2, 1);
}

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

html {
  scroll-behavior: smooth;
  font-size: 16px;
}

body {
  font-family: var(--font-body);
  color: var(--text-dark);
  background: var(--cream);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}

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

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

.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
}

/* --- Header --- */
.header {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  background: rgba(253, 246, 240, 0.85);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  border-bottom: 1px solid rgba(198, 93, 62, 0.08);
  transition: var(--transition);
}

.header.scrolled {
  background: rgba(253, 246, 240, 0.95);
  box-shadow: var(--shadow-sm);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding-top: 16px;
  padding-bottom: 16px;
  gap: 24px;
}

.logo {
  display: flex;
  align-items: center;
  gap: 10px;
  color: var(--terracotta);
  font-family: var(--font-display);
  flex-shrink: 0;
}

.logo-text {
  font-size: 1rem;
  line-height: 1.2;
  letter-spacing: -0.01em;
}

.nav {
  display: flex;
  align-items: center;
  gap: 36px;
}

.nav-link {
  font-size: 0.9rem;
  font-weight: 500;
  color: var(--text-mid);
  position: relative;
  padding: 4px 0;
}

.nav-link::after {
  content: '';
  position: absolute;
  bottom: -2px;
  left: 0;
  width: 0;
  height: 2px;
  background: var(--terracotta);
  border-radius: 2px;
  transition: var(--transition);
}

.nav-link:hover {
  color: var(--terracotta);
}

.nav-link:hover::after {
  width: 100%;
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 12px 28px;
  border-radius: 50px;
  font-family: var(--font-body);
  font-size: 0.9rem;
  font-weight: 600;
  border: 2px solid transparent;
  cursor: pointer;
  transition: var(--transition);
  white-space: nowrap;
}

.btn-primary {
  background: var(--terracotta);
  color: var(--white);
  border-color: var(--terracotta);
}

.btn-primary:hover {
  background: var(--terracotta-dark);
  border-color: var(--terracotta-dark);
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(198, 93, 62, 0.3);
}

.btn-secondary {
  background: transparent;
  color: var(--terracotta);
  border-color: var(--terracotta);
}

.btn-secondary:hover {
  background: var(--terracotta);
  color: var(--white);
  transform: translateY(-2px);
}

.btn-white {
  background: var(--white);
  color: var(--terracotta);
  border-color: var(--white);
}

.btn-white:hover {
  background: var(--sand);
  transform: translateY(-2px);
  box-shadow: var(--shadow-lg);
}

.btn-outline-white {
  background: transparent;
  color: var(--white);
  border-color: rgba(255,255,255,0.5);
}

.btn-outline-white:hover {
  background: rgba(255,255,255,0.15);
  border-color: var(--white);
}

.btn-full {
  width: 100%;
}

.nav-cta {
  padding: 10px 24px;
  font-size: 0.85rem;
}

.mobile-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 8px;
  z-index: 1001;
}

.mobile-toggle span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--text-dark);
  border-radius: 2px;
  transition: var(--transition);
}

.mobile-toggle.active span:nth-child(1) {
  transform: rotate(45deg) translate(5px, 5px);
}

.mobile-toggle.active span:nth-child(2) {
  opacity: 0;
}

.mobile-toggle.active span:nth-child(3) {
  transform: rotate(-45deg) translate(5px, -5px);
}

/* --- Mobile Nav --- */
.mobile-nav {
  display: none;
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background: rgba(253, 246, 240, 0.98);
  backdrop-filter: blur(20px);
  z-index: 999;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 24px;
  opacity: 0;
  pointer-events: none;
  transition: var(--transition);
}

.mobile-nav.open {
  display: flex;
  opacity: 1;
  pointer-events: all;
}

.mobile-nav-link {
  font-family: var(--font-display);
  font-size: 1.8rem;
  color: var(--text-dark);
}

.mobile-nav-link:hover {
  color: var(--terracotta);
}

.mobile-cta {
  margin-top: 12px;
}

/* --- Hero --- */
.hero {
  min-height: 100vh;
  display: flex;
  align-items: center;
  padding-top: 80px;
  padding-bottom: 60px;
  background: var(--sand);
  position: relative;
  overflow: hidden;
}

.hero-bg-pattern {
  position: absolute;
  inset: 0;
  background-image: 
    radial-gradient(ellipse 80% 60% at 70% 40%, rgba(198, 93, 62, 0.06) 0%, transparent 70%),
    radial-gradient(ellipse 50% 80% at 10% 80%, rgba(245, 230, 216, 0.8) 0%, transparent 60%);
  pointer-events: none;
}

.hero-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
  position: relative;
  z-index: 1;
}

.hero-content {
  max-width: 540px;
}

.hero-tag {
  display: inline-block;
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--terracotta);
  background: rgba(198, 93, 62, 0.1);
  padding: 8px 18px;
  border-radius: 50px;
  margin-bottom: 28px;
}

.hero-title {
  font-family: var(--font-display);
  font-size: clamp(2.8rem, 5vw, 4.2rem);
  line-height: 1.1;
  color: var(--text-dark);
  margin-bottom: 24px;
  letter-spacing: -0.02em;
}

.hero-title em {
  font-style: italic;
  color: var(--terracotta);
}

.hero-subtitle {
  font-size: 1.1rem;
  color: var(--text-mid);
  line-height: 1.75;
  margin-bottom: 36px;
  max-width: 460px;
}

.hero-actions {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
  margin-bottom: 52px;
}

.hero-stats {
  display: flex;
  align-items: center;
  gap: 28px;
}

.hero-stat {
  display: flex;
  flex-direction: column;
  gap: 4px;
}

.stat-number {
  font-family: var(--font-display);
  font-size: 1.6rem;
  color: var(--terracotta);
  line-height: 1;
}

.stat-label {
  font-size: 0.78rem;
  color: var(--text-light);
  font-weight: 500;
}

.hero-stat-divider {
  width: 1px;
  height: 40px;
  background: var(--sand-dark);
}

.hero-image {
  position: relative;
}

.hero-image img {
  width: 100%;
  height: 700px;
  object-fit: cover;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
}

.hero-image-accent {
  position: absolute;
  top: -20px;
  right: -20px;
  width: 120px;
  height: 120px;
  background: var(--terracotta);
  border-radius: 50%;
  opacity: 0.1;
  z-index: -1;
}

.hero-floating-card {
  position: absolute;
  bottom: 40px;
  left: -30px;
  background: var(--white);
  padding: 18px 24px;
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-lg);
  display: flex;
  align-items: center;
  gap: 14px;
  z-index: 2;
}

.hero-floating-card svg {
  color: var(--terracotta);
  flex-shrink: 0;
}

.hero-floating-card span {
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--text-dark);
  line-height: 1.4;
}

.hero-wave {
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  line-height: 0;
}

/* --- Section Shared --- */
.section-header {
  text-align: center;
  max-width: 640px;
  margin: 0 auto 64px;
}

.section-header.text-center {
  max-width: 100%;
}

.section-tag {
  display: inline-block;
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--terracotta);
  margin-bottom: 16px;
}

.section-title {
  font-family: var(--font-display);
  font-size: clamp(2rem, 4vw, 2.8rem);
  line-height: 1.15;
  color: var(--text-dark);
  margin-bottom: 20px;
  letter-spacing: -0.02em;
}

.section-subtitle {
  font-size: 1.05rem;
  color: var(--text-mid);
  line-height: 1.7;
}

/* --- Services --- */
.services {
  padding: 100px 0;
  background: var(--cream);
}

.services-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.service-card {
  background: var(--white);
  border-radius: var(--radius-md);
  padding: 36px 30px;
  border: 1px solid rgba(198, 93, 62, 0.08);
  transition: var(--transition);
  position: relative;
  overflow: hidden;
}

.service-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--terracotta), var(--terracotta-light));
  transform: scaleX(0);
  transform-origin: left;
  transition: var(--transition);
}

.service-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-lg);
  border-color: transparent;
}

.service-card:hover::before {
  transform: scaleX(1);
}

.service-icon {
  width: 56px;
  height: 56px;
  background: var(--sand);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--terracotta);
  margin-bottom: 22px;
  transition: var(--transition);
}

.service-card:hover .service-icon {
  background: var(--terracotta);
  color: var(--white);
}

.service-card h3 {
  font-family: var(--font-display);
  font-size: 1.25rem;
  color: var(--text-dark);
  margin-bottom: 12px;
}

.service-card p {
  font-size: 0.92rem;
  color: var(--text-mid);
  line-height: 1.7;
  margin-bottom: 20px;
}

.service-link {
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--terracotta);
  display: inline-flex;
  align-items: center;
  gap: 6px;
}

.service-link span {
  transition: var(--transition);
}

.service-card:hover .service-link span {
  transform: translateX(4px);
}

/* --- About --- */
.about {
  padding: 100px 0;
  background: var(--sand);
}

.about-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
}

.about-image-wrapper {
  position: relative;
}

.about-image-wrapper img {
  width: 100%;
  height: 640px;
  object-fit: cover;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
}

.about-image-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(198, 93, 62, 0.15) 0%, transparent 60%);
  border-radius: var(--radius-lg);
}

.about-badge {
  position: absolute;
  bottom: -20px;
  right: -20px;
  background: var(--white);
  padding: 20px 28px;
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-lg);
  text-align: center;
}

.badge-year {
  display: block;
  font-family: var(--font-display);
  font-size: 1.4rem;
  color: var(--terracotta);
  line-height: 1;
  margin-bottom: 4px;
}

.badge-text {
  font-size: 0.78rem;
  color: var(--text-light);
  font-weight: 500;
}

.about-content {
  max-width: 480px;
}

.about-text {
  font-size: 1rem;
  color: var(--text-mid);
  line-height: 1.8;
  margin-bottom: 20px;
}

.about-values {
  display: flex;
  flex-direction: column;
  gap: 20px;
  margin-top: 36px;
}

.value-item {
  display: flex;
  align-items: flex-start;
  gap: 16px;
}

.value-icon {
  width: 44px;
  height: 44px;
  background: var(--white);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--terracotta);
  flex-shrink: 0;
  box-shadow: var(--shadow-sm);
}

.value-item strong {
  display: block;
  font-size: 0.95rem;
  color: var(--text-dark);
  margin-bottom: 2px;
}

.value-desc {
  font-size: 0.85rem;
  color: var(--text-light);
}

/* --- Why Us --- */
.why-us {
  padding: 100px 0;
  background: var(--cream);
}

.why-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 28px;
}

.why-card {
  background: var(--white);
  border-radius: var(--radius-md);
  padding: 44px 38px;
  border: 1px solid rgba(198, 93, 62, 0.06);
  transition: var(--transition);
}

.why-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
  border-color: transparent;
}

.why-number {
  font-family: var(--font-display);
  font-size: 3rem;
  color: var(--sand-dark);
  line-height: 1;
  margin-bottom: 18px;
  transition: var(--transition);
}

.why-card:hover .why-number {
  color: var(--terracotta);
  opacity: 0.3;
}

.why-card h3 {
  font-family: var(--font-display);
  font-size: 1.3rem;
  color: var(--text-dark);
  margin-bottom: 12px;
}

.why-card p {
  font-size: 0.92rem;
  color: var(--text-mid);
  line-height: 1.75;
}

/* --- CTA Section --- */
.cta-section {
  padding: 100px 0;
  background: var(--terracotta);
  position: relative;
  overflow: hidden;
}

.cta-bg {
  position: absolute;
  inset: 0;
  background: 
    radial-gradient(ellipse 60% 50% at 20% 50%, rgba(255,255,255,0.08) 0%, transparent 60%),
    radial-gradient(ellipse 40% 60% at 80% 30%, rgba(168, 74, 47, 0.4) 0%, transparent 60%);
  pointer-events: none;
}

.cta-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 40px;
  position: relative;
  z-index: 1;
}

.cta-content {
  flex: 1;
}

.cta-title {
  font-family: var(--font-display);
  font-size: clamp(2rem, 4vw, 2.8rem);
  color: var(--white);
  line-height: 1.15;
  margin-bottom: 16px;
}

.cta-subtitle {
  font-size: 1.05rem;
  color: rgba(255,255,255,0.8);
  line-height: 1.7;
  max-width: 460px;
}

.cta-actions {
  display: flex;
  gap: 16px;
  flex-shrink: 0;
  flex-wrap: wrap;
}

/* --- Contact --- */
.contact {
  padding: 100px 0;
  background: var(--sand);
}

.contact-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: start;
}

.contact-info {
  max-width: 460px;
}

.contact-desc {
  font-size: 1rem;
  color: var(--text-mid);
  line-height: 1.75;
  margin-bottom: 40px;
}

.contact-details {
  display: flex;
  flex-direction: column;
  gap: 28px;
}

.contact-item {
  display: flex;
  align-items: flex-start;
  gap: 18px;
}

.contact-icon {
  width: 52px;
  height: 52px;
  background: var(--white);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--terracotta);
  flex-shrink: 0;
  box-shadow: var(--shadow-sm);
}

.contact-item strong {
  display: block;
  font-size: 0.95rem;
  color: var(--text-dark);
  margin-bottom: 4px;
}

.contact-item p {
  font-size: 0.88rem;
  color: var(--text-mid);
  line-height: 1.6;
}

.contact-form-wrapper {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 44px;
  box-shadow: var(--shadow-md);
  border: 1px solid rgba(198, 93, 62, 0.06);
}

.contact-form h3 {
  font-family: var(--font-display);
  font-size: 1.6rem;
  color: var(--text-dark);
  margin-bottom: 8px;
}

.form-subtitle {
  font-size: 0.88rem;
  color: var(--text-light);
  margin-bottom: 32px;
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}

.form-group {
  margin-bottom: 20px;
}

.form-group label {
  display: block;
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--text-dark);
  margin-bottom: 8px;
  letter-spacing: 0.02em;
}

.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 12px 16px;
  border: 1.5px solid var(--sand-dark);
  border-radius: var(--radius-sm);
  font-family: var(--font-body);
  font-size: 0.9rem;
  color: var(--text-dark);
  background: var(--cream);
  transition: var(--transition);
  outline: none;
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  border-color: var(--terracotta);
  background: var(--white);
  box-shadow: 0 0 0 3px rgba(198, 93, 62, 0.1);
}

.form-group input::placeholder,
.form-group textarea::placeholder {
  color: var(--text-light);
}

.form-group textarea {
  resize: vertical;
  min-height: 100px;
}

.form-success {
  display: none;
  text-align: center;
  padding: 40px 20px;
}

.form-success.show {
  display: block;
}

.form-success svg {
  color: var(--terracotta);
  margin-bottom: 16px;
}

.form-success p {
  font-size: 1rem;
  color: var(--text-dark);
  font-weight: 500;
}

/* --- Footer --- */
.footer {
  background: var(--text-dark);
  color: rgba(255,255,255,0.7);
  padding: 72px 0 0;
}

.footer-inner {
  display: grid;
  grid-template-columns: 1.5fr 1fr 1fr;
  gap: 60px;
  padding-bottom: 52px;
}

.logo-light {
  color: rgba(255,255,255,0.9);
  margin-bottom: 20px;
}

.footer-brand p {
  font-size: 0.9rem;
  line-height: 1.75;
  margin-bottom: 12px;
}

.footer-nbsa {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.8rem;
  color: rgba(255,255,255,0.5);
  margin-top: 20px;
  padding-top: 20px;
  border-top: 1px solid rgba(255,255,255,0.1);
}

.footer-links {
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.footer-links h4 {
  font-family: var(--font-display);
  font-size: 1rem;
  color: var(--white);
  margin-bottom: 8px;
}

.footer-links a {
  font-size: 0.88rem;
  color: rgba(255,255,255,0.6);
}

.footer-links a:hover {
  color: var(--terracotta-light);
}

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.08);
  padding: 24px 0;
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 12px;
}

.footer-bottom p {
  font-size: 0.82rem;
  color: rgba(255,255,255,0.4);
}

.footer-bottom a {
  color: rgba(255,255,255,0.5);
}

.footer-bottom a:hover {
  color: var(--terracotta-light);
}

/* --- Animations --- */
.fade-in {
  opacity: 0;
  transform: translateY(24px);
  transition: opacity 0.7s ease, transform 0.7s ease;
}

.fade-in.visible {
  opacity: 1;
  transform: translateY(0);
}

.fade-in-delay-1 { transition-delay: 0.1s; }
.fade-in-delay-2 { transition-delay: 0.2s; }
.fade-in-delay-3 { transition-delay: 0.3s; }
.fade-in-delay-4 { transition-delay: 0.4s; }

/* --- Responsive --- */
@media (max-width: 1024px) {
  .hero-inner {
    gap: 40px;
  }
  
  .hero-image img {
    height: 560px;
  }
  
  .about-inner {
    gap: 48px;
  }
  
  .contact-inner {
    gap: 48px;
  }
  
  .cta-inner {
    flex-direction: column;
    text-align: center;
  }
  
  .cta-subtitle {
    max-width: 100%;
  }
}

@media (max-width: 768px) {
  .nav, .nav-cta {
    display: none;
  }
  
  .mobile-toggle {
    display: flex;
  }
  
  .hero {
    padding-top: 100px;
    padding-bottom: 80px;
  }
  
  .hero-inner {
    grid-template-columns: 1fr;
    gap: 48px;
  }
  
  .hero-content {
    text-align: center;
    max-width: 100%;
  }
  
  .hero-subtitle {
    max-width: 100%;
    margin-left: auto;
    margin-right: auto;
  }
  
  .hero-actions {
    justify-content: center;
  }
  
  .hero-stats {
    justify-content: center;
  }
  
  .hero-image {
    max-width: 480px;
    margin: 0 auto;
  }
  
  .hero-image img {
    height: 420px;
  }
  
  .hero-floating-card {
    left: 10px;
    bottom: 20px;
  }
  
  .services-grid {
    grid-template-columns: 1fr;
  }
  
  .about-inner {
    grid-template-columns: 1fr;
    gap: 48px;
  }
  
  .about-image-wrapper img {
    height: 400px;
  }
  
  .about-content {
    max-width: 100%;
  }
  
  .why-grid {
    grid-template-columns: 1fr;
  }
  
  .contact-inner {
    grid-template-columns: 1fr;
    gap: 48px;
  }
  
  .contact-form-wrapper {
    padding: 28px;
  }
  
  .form-row {
    grid-template-columns: 1fr;
  }
  
  .footer-inner {
    grid-template-columns: 1fr;
    gap: 40px;
  }
  
  .footer-bottom {
    flex-direction: column;
    text-align: center;
  }
}

@media (max-width: 480px) {
  .container {
    padding: 0 18px;
  }
  
  .hero-title {
    font-size: 2.4rem;
  }
  
  .hero-actions {
    flex-direction: column;
    align-items: center;
  }
  
  .hero-stats {
    flex-direction: column;
    gap: 16px;
  }
  
  .hero-stat-divider {
    width: 40px;
    height: 1px;
  }
  
  .cta-actions {
    flex-direction: column;
    width: 100%;
  }
  
  .cta-actions .btn {
    width: 100%;
  }
}