/* ========================================================================
   PREMIUM ENTERPRISE DESIGN SYSTEM
   WCAG 2.2 AA Compliant | Financial Services Theme
   Inspired by Goldman Sachs, Morgan Stanley, Stripe, Linear
   ======================================================================== */

/* ========================================================================
   1. CSS CUSTOM PROPERTIES (DESIGN TOKENS)
   ======================================================================== */
:root {
    /* Brand Colors - Premium Navy & Gold */
    --color-primary: #0A2540;
    --color-primary-dark: #061A30;
    --color-primary-light: #1B4B7A;
    --color-primary-hover: #0D3460;
    --color-primary-accent: #E8AF30;
    --color-primary-accent-light: #F5D782;
    --color-secondary: #1B4B7A;
    --color-secondary-dark: #0F3560;
    --color-secondary-light: #2A6099;
    --color-accent: #C9A227;
    
    /* Semantic Colors */
    --color-success: #0D7A5F;
    --color-success-light: #E6F5F0;
    --color-warning: #B45309;
    --color-warning-light: #FEF3C7;
    --color-danger: #C81E1E;
    --color-danger-light: #FEE2E2;
    --color-info: #0277BD;
    --color-info-light: #E1F5FE;
    
    /* Neutral Colors - Sophisticated Grays */
    --color-white: #FFFFFF;
    --color-black: #000000;
    --color-gray-50: #F8FAFB;
    --color-gray-100: #F1F4F6;
    --color-gray-200: #E4E9ED;
    --color-gray-300: #CBD3DB;
    --color-gray-400: #9AA8B4;
    --color-gray-500: #6B7A8A;
    --color-gray-600: #4A5568;
    --color-gray-700: #374151;
    --color-gray-800: #1F2937;
    --color-gray-900: #111827;
    
    /* Background & Surface */
    --bg-primary: #FFFFFF;
    --bg-secondary: #F8FAFB;
    --bg-tertiary: #F1F4F6;
    --surface-card: #FFFFFF;
    --surface-elevated: #FFFFFF;
    --surface-overlay: rgba(10, 37, 64, 0.6);
    
    /* Spacing System (8px base) */
    --space-0: 0;
    --space-0-5: 0.125rem;
    --space-1: 0.25rem;
    --space-2: 0.5rem;
    --space-3: 0.75rem;
    --space-4: 1rem;
    --space-5: 1.25rem;
    --space-6: 1.5rem;
    --space-7: 1.75rem;
    --space-8: 2rem;
    --space-10: 2.5rem;
    --space-12: 3rem;
    --space-14: 3.5rem;
    --space-16: 4rem;
    --space-20: 5rem;
    --space-24: 6rem;
    --space-32: 8rem;
    
    /* Border Radius */
    --radius-xs: 2px;
    --radius-sm: 4px;
    --radius: 8px;
    --radius-md: 10px;
    --radius-lg: 12px;
    --radius-xl: 16px;
    --radius-2xl: 24px;
    --radius-3xl: 32px;
    --radius-full: 9999px;
    
    /* Shadows - Premium Elevation */
    --shadow-xs: 0 1px 2px rgba(0, 0, 0, 0.04);
    --shadow-sm: 0 1px 3px rgba(0, 0, 0, 0.06), 0 1px 2px rgba(0, 0, 0, 0.04);
    --shadow: 0 4px 6px -1px rgba(0, 0, 0, 0.06), 0 2px 4px -1px rgba(0, 0, 0, 0.04);
    --shadow-md: 0 10px 15px -3px rgba(0, 0, 0, 0.06), 0 4px 6px -2px rgba(0, 0, 0, 0.04);
    --shadow-lg: 0 20px 25px -5px rgba(0, 0, 0, 0.08), 0 10px 10px -5px rgba(0, 0, 0, 0.04);
    --shadow-xl: 0 25px 50px -12px rgba(0, 0, 0, 0.15), 0 12px 24px -8px rgba(0, 0, 0, 0.08);
    --shadow-2xl: 0 50px 100px -20px rgba(0, 0, 0, 0.2);
    --shadow-inner: inset 0 2px 4px 0 rgba(0, 0, 0, 0.06);
    
    /* Transitions */
    --transition-fast: 100ms ease;
    --transition-base: 200ms ease;
    --transition-slow: 300ms ease;
    --transition-slower: 500ms ease;
    --transition-spring: 400ms cubic-bezier(0.34, 1.56, 0.64, 1);
    
    /* Typography */
    --font-sans: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif;
    --font-heading: 'Plus Jakarta Sans', 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
    --font-mono: 'JetBrains Mono', 'Fira Code', Consolas, monospace;
    
    /* Font Sizes */
    --text-xs: 0.75rem;
    --text-sm: 0.875rem;
    --text-base: 1rem;
    --text-lg: 1.125rem;
    --text-xl: 1.25rem;
    --text-2xl: 1.5rem;
    --text-3xl: 1.875rem;
    --text-4xl: 2.25rem;
    --text-5xl: 3rem;
    --text-6xl: 3.75rem;
    
    /* Line Heights */
    --leading-none: 1;
    --leading-tight: 1.25;
    --leading-snug: 1.375;
    --leading-normal: 1.5;
    --leading-relaxed: 1.625;
    --leading-loose: 2;
    
    /* Letter Spacing */
    --tracking-tighter: -0.05em;
    --tracking-tight: -0.025em;
    --tracking-normal: 0;
    --tracking-wide: 0.025em;
    --tracking-wider: 0.05em;
    --tracking-widest: 0.1em;
    
    /* Font Weights */
    --font-light: 300;
    --font-normal: 400;
    --font-medium: 500;
    --font-semibold: 600;
    --font-bold: 700;
    --font-extrabold: 800;
    
    /* Z-Index Scale */
    --z-base: 0;
    --z-dropdown: 100;
    --z-sticky: 200;
    --z-fixed: 300;
    --z-modal-backdrop: 400;
    --z-modal: 500;
    --z-tooltip: 600;
    --z-toast: 700;
    
    /* Target Size (WCAG 2.5.5) */
    --target-size-min: 44px;
    --target-size-recommended: 48px;
}

/* ========================================================================
   2. BASE STYLES & RESET
   ======================================================================== */

/* Font declarations */
@font-face {
    font-family: 'Inter';
    font-style: normal;
    font-weight: 300;
    font-display: swap;
    src: local("Inter Light"), url('https://fonts.gstatic.com/s/inter/v13/UcCO3FwrK3iLTeHuS_fvQtMwCp50KnMw2boKoduKmMEVuLyfAZ9hiJ-Ek-_EeA.woff2') format('woff2');
}

@font-face {
    font-family: 'Inter';
    font-style: normal;
    font-weight: 400;
    font-display: swap;
    src: local("Inter Regular"), url('https://fonts.gstatic.com/s/inter/v13/UcCO3FwrK3iLTeHuS_fvQtMwCp50KnMw2boKoduKmMEVuI6fAZ9hiJ-Ek-_EeA.woff2') format('woff2');
}

@font-face {
    font-family: 'Inter';
    font-style: normal;
    font-weight: 500;
    font-display: swap;
    src: local("Inter Medium"), url('https://fonts.gstatic.com/s/inter/v13/UcCO3FwrK3iLTeHuS_fvQtMwCp50KnMw2boKoduKmMEVuFuYAZ9hiJ-Ek-_EeA.woff2') format('woff2');
}

@font-face {
    font-family: 'Inter';
    font-style: normal;
    font-weight: 600;
    font-display: swap;
    src: local("Inter SemiBold"), url('https://fonts.gstatic.com/s/inter/v13/UcCO3FwrK3iLTeHuS_fvQtMwCp50KnMw2boKoduKmMEVuGKYAZ9hiJ-Ek-_EeA.woff2') format('woff2');
}

@font-face {
    font-family: 'Inter';
    font-style: normal;
    font-weight: 700;
    font-display: swap;
    src: local("Inter Bold"), url('https://fonts.gstatic.com/s/inter/v13/UcCO3FwrK3iLTeHuS_fvQtMwCp50KnMw2boKoduKmMEVuFuYAZ9hiJ-Ek-_EeA.woff2') format('woff2');
}

/* Plus Jakarta Sans for headings */
@font-face {
    font-family: 'Plus Jakarta Sans';
    font-style: normal;
    font-weight: 600;
    font-display: swap;
    src: local("Plus Jakarta Sans SemiBold"), url('https://fonts.gstatic.com/s/plusjakartasans/v8/LDIbaomQNQcsA88c7O9yZ4KMCoOg4IA6-91aHEjcWuA_qU79TR_V.woff2') format('woff2');
}

@font-face {
    font-family: 'Plus Jakarta Sans';
    font-style: normal;
    font-weight: 700;
    font-display: swap;
    src: local("Plus Jakarta Sans Bold"), url('https://fonts.gstatic.com/s/plusjakartasans/v8/LDIbaomQNQcsA88c7O9yZ4KMCoOg4IA6-91aHEjcWuA_mU79TR_V.woff2') format('woff2');
}

/* Box sizing reset */
*, *::before, *::after {
    box-sizing: border-box;
}

/* Body base styles */
body {
    font-family: var(--font-sans);
    font-size: var(--text-base);
    line-height: var(--leading-relaxed);
    color: var(--color-gray-800);
    background-color: var(--bg-primary);
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
    text-rendering: optimizeLegibility;
}

/* ========================================================================
   3. TYPOGRAPHY SYSTEM
   ======================================================================== */

h1, h2, h3, h4, h5, h6,
.uk-h1, .uk-h2, .uk-h3, .uk-h4, .uk-h5, .uk-h6 {
    font-family: var(--font-heading);
    font-weight: var(--font-bold);
    line-height: var(--leading-tight);
    color: var(--color-primary);
    letter-spacing: var(--tracking-tight);
    margin-bottom: var(--space-4);
}

h1, .uk-h1 {
    font-size: var(--text-4xl);
    letter-spacing: var(--tracking-tighter);
}

h2, .uk-h2 {
    font-size: var(--text-3xl);
    letter-spacing: var(--tracking-tight);
}

h3, .uk-h3 {
    font-size: var(--text-2xl);
}

h4, .uk-h4 {
    font-size: var(--text-xl);
}

h5, .uk-h5 {
    font-size: var(--text-lg);
}

h6, .uk-h6 {
    font-size: var(--text-base);
}

p {
    line-height: var(--leading-relaxed);
    margin-bottom: var(--space-4);
    color: var(--color-gray-700);
}

.uk-text-lead {
    font-size: var(--text-lg);
    line-height: var(--leading-relaxed);
    color: var(--color-gray-600);
}

/* Text colors */
.uk-text-primary { color: var(--color-primary) !important; }
.uk-text-secondary { color: var(--color-secondary) !important; }
.uk-text-muted { color: var(--color-gray-500) !important; }
.uk-text-success { color: var(--color-success) !important; }
.uk-text-warning { color: var(--color-warning) !important; }
.uk-text-danger { color: var(--color-danger) !important; }
.uk-text-accent { color: var(--color-primary-accent) !important; }

/* ========================================================================
   4. MOBILE NAVIGATION - RESPONSIVE HEADER
   ======================================================================== */

/* Mobile Navigation Container */
.mobile-nav-toggle-wrapper {
    flex-shrink: 0;
    align-items: center;
    justify-content: center;
}

.mobile-nav-toggle {
    width: 44px;
    height: 44px;
    min-width: 44px;
    min-height: 44px;
    border-radius: 8px;
    background: #f8f9fa;
    border: 2px solid #dee2e6;
    color: #333;
    font-size: 20px;
    cursor: pointer;
    align-items: center;
    justify-content: center;
    transition: all 0.2s ease;
    flex-shrink: 0;
}

.mobile-nav-toggle:hover,
.mobile-nav-toggle:focus {
    background: var(--color-primary);
    color: var(--color-white);
}

.mobile-nav-toggle:focus {
    outline: 3px solid var(--color-primary-accent);
    outline-offset: 2px;
}

/* Hamburger icon styling */
.hamburger-icon {
    font-size: 24px;
    font-weight: bold;
    line-height: 1;
    display: flex;
    align-items: center;
    justify-content: center;
}

/* Mobile nav close button */
.mobile-nav-close span {
    font-size: 24px;
    font-weight: bold;
}

/* Mobile Navigation Overlay */
.mobile-nav-overlay {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: rgba(0, 0, 0, 0.5);
    z-index: 9997;
    opacity: 0;
    visibility: hidden;
    transition: all 0.3s ease;
}

.mobile-nav-overlay.is-active {
    opacity: 1;
    visibility: visible;
}

/* Mobile Navigation Panel */
.mobile-nav-panel {
    position: fixed;
    top: 0;
    right: 0;
    bottom: 0;
    width: 100%;
    max-width: 400px;
    background: var(--color-white);
    z-index: 9998;
    transform: translateX(100%);
    transition: transform 0.3s ease;
    overflow-y: auto;
    overflow-x: hidden;
    display: flex;
    flex-direction: column;
}

.mobile-nav-panel.is-active {
    transform: translateX(0);
}

/* Mobile Navigation Header */
.mobile-nav-header {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: var(--space-4) var(--space-5);
    background: var(--color-primary);
    color: var(--color-white);
    flex-shrink: 0;
}

.mobile-nav-logo {
    display: flex;
    align-items: center;
    gap: var(--space-3);
}

.mobile-nav-logo img {
    height: 36px;
    width: auto;
}

.mobile-nav-close {
    width: 44px;
    height: 44px;
    border-radius: var(--radius);
    background: rgba(255, 255, 255, 0.1);
    border: none;
    color: var(--color-white);
    font-size: var(--text-lg);
    cursor: pointer;
    display: flex;
    align-items: center;
    justify-content: center;
    transition: all var(--transition-fast);
}

.mobile-nav-close:hover,
.mobile-nav-close:focus {
    background: rgba(255, 255, 255, 0.2);
}

.mobile-nav-close:focus {
    outline: 3px solid var(--color-primary-accent);
    outline-offset: 2px;
}

/* Mobile Action Buttons */
.mobile-nav-actions {
    padding: var(--space-5);
    display: flex;
    flex-direction: column;
    gap: var(--space-3);
    border-bottom: 1px solid var(--color-gray-200);
    flex-shrink: 0;
}

.mobile-nav-actions a {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: var(--space-2);
    padding: var(--space-4);
    background: var(--color-primary);
    color: var(--color-white);
    border-radius: var(--radius);
    font-weight: var(--font-semibold);
    font-size: var(--text-sm);
    text-decoration: none;
    min-height: var(--target-size-min);
    transition: all var(--transition-fast);
}

.mobile-nav-actions a:hover,
.mobile-nav-actions a:focus {
    background: var(--color-primary-hover);
}

.mobile-nav-actions a:focus {
    outline: 3px solid var(--color-primary-accent);
    outline-offset: 2px;
}

/* Mobile Navigation Links */
.mobile-nav-links {
    padding: var(--space-4) 0;
    flex: 1;
    overflow-y: auto;
}

.mobile-nav-links ul {
    list-style: none;
    margin: 0;
    padding: 0;
}

.mobile-nav-links > ul > li {
    border-bottom: 1px solid var(--color-gray-100);
}

.mobile-nav-links a {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: var(--space-4) var(--space-5);
    color: var(--color-gray-800);
    text-decoration: none;
    font-size: var(--text-base);
    min-height: var(--target-size-min);
    transition: all var(--transition-fast);
}

.mobile-nav-links a:hover,
.mobile-nav-links a:focus {
    background: var(--color-gray-50);
    color: var(--color-primary);
}

.mobile-nav-links a:focus {
    outline: none;
}

/* Mobile Dropdown */
.mobile-nav-dropdown {
    overflow: hidden;
    max-height: 0;
    transition: max-height 0.3s ease;
}

.mobile-nav-dropdown.is-active {
    max-height: 2000px;
}

.mobile-nav-dropdown ul {
    list-style: none;
    margin: 0;
    padding: 0;
    background: var(--color-gray-50);
}

.mobile-nav-dropdown li {
    border-bottom: none !important;
}

.mobile-nav-dropdown a {
    padding-left: var(--space-8) !important;
    font-size: var(--text-sm) !important;
    color: var(--color-gray-700) !important;
}

.mobile-nav-dropdown a::before {
    content: '•';
    margin-right: var(--space-2);
    color: var(--color-primary-accent);
}

/* Mobile Nav Accordion Arrow */
.mobile-nav-arrow {
    transition: transform 0.3s ease;
    color: var(--color-gray-400);
}

.mobile-nav-item.is-open > a .mobile-nav-arrow,
.mobile-nav-item.is-open > .mobile-nav-dropdown-trigger .mobile-nav-arrow {
    transform: rotate(180deg);
}

/* Dropdown Trigger */
.mobile-nav-dropdown-trigger {
    display: flex;
    align-items: center;
    justify-content: space-between;
    width: 100%;
    padding: var(--space-4) var(--space-5);
    background: none;
    border: none;
    border-bottom: 1px solid var(--color-gray-100);
    color: var(--color-gray-800);
    font-size: var(--text-base);
    font-family: inherit;
    cursor: pointer;
    min-height: var(--target-size-min);
    text-align: left;
    transition: all var(--transition-fast);
}

.mobile-nav-dropdown-trigger:hover,
.mobile-nav-dropdown-trigger:focus {
    background: var(--color-gray-50);
    color: var(--color-primary);
}

.mobile-nav-dropdown-trigger:focus {
    outline: 3px solid var(--color-primary-accent);
    outline-offset: -3px;
}

/* Hide hamburger on desktop - it's inside .in-navbar-wrapper */
#mobileNavWrapper {
    display: none !important;
}

/* Show hamburger on tablet and mobile only */
@media (max-width: 1023px) {
    /* Show hamburger on mobile */
    #mobileNavWrapper,
    #mobileNavWrapper .mobile-nav-toggle-wrapper {
        display: flex !important;
        visibility: visible !important;
    }
    
    .mobile-nav-toggle {
        display: flex !important;
        visibility: visible !important;
        width: 44px !important;
        height: 44px !important;
        min-width: 44px !important;
        min-height: 44px !important;
        border-radius: 8px;
        background: #f8f9fa;
        border: 2px solid #dee2e6;
        color: #333;
        font-size: 20px;
        cursor: pointer;
        align-items: center;
        justify-content: center;
    }
    
    .mobile-nav-toggle:hover,
    .mobile-nav-toggle:focus {
        background: var(--color-primary);
        color: var(--color-white);
    }
    
    .mobile-nav-toggle:focus {
        outline: 3px solid var(--color-primary-accent);
        outline-offset: 2px;
    }
    
    /* Hide desktop nav completely on mobile */
    .premium-navbar .uk-navbar-container.uk-visible@m,
    .premium-navbar .in-navbar-wrapper,
    .premium-navbar .uk-navbar-nav {
        display: none !important;
    }
}

/* Hide desktop elements on mobile/tablet */
@media (max-width: 1023px) {
    .premium-navbar .uk-navbar-nav {
        display: none !important;
    }
}

/* Screen reader only */
.sr-only {
    position: absolute;
    width: 1px;
    height: 1px;
    padding: 0;
    margin: -1px;
    overflow: hidden;
    clip: rect(0, 0, 0, 0);
    white-space: nowrap;
    border: 0;
}

/* Reduced motion */
@media (prefers-reduced-motion: reduce) {
    .mobile-nav-overlay,
    .mobile-nav-panel,
    .mobile-nav-dropdown,
    .mobile-nav-arrow,
    .mobile-nav-dropdown-trigger,
    .mobile-nav-actions a {
        transition: none;
    }
}

/* ========================================================================
   4. HEADER & NAVIGATION - PREMIUM REDESIGN
   ======================================================================== */

/* Main header container */
header {
    background: var(--bg-primary);
    border-bottom: 1px solid var(--color-gray-200);
    position: relative;
    z-index: var(--z-sticky);
}

header.in-sticky {
    box-shadow: var(--shadow-md);
    background: rgba(255, 255, 255, 0.98);
    backdrop-filter: blur(12px);
    -webkit-backdrop-filter: blur(12px);
}

/* Top utility bar */
.in-header-subnav {
    padding: var(--space-3) 0;
}

/* Header action buttons container */
.in-header-button {
    padding: var(--space-3) 0;
}

/* Premium button styling */
.in-header-links {
    gap: var(--space-3);
}

.in-header-links .uk-button {
    min-height: var(--target-size-min);
    padding: var(--space-2) var(--space-5);
    font-size: var(--text-sm);
    font-weight: var(--font-medium);
    border-radius: var(--radius);
    transition: all var(--transition-base);
    border: none;
    background: var(--color-primary);
    color: var(--color-white);
}

.in-header-links .uk-button:hover,
.in-header-links .uk-button:focus {
    background: var(--color-primary-hover);
    transform: translateY(-1px);
    box-shadow: var(--shadow-md);
}

.in-header-links .uk-button:focus {
    outline: 3px solid var(--color-primary-accent);
    outline-offset: 2px;
}

/* Header divider */
header hr {
    border: none;
    border-top: 1px solid var(--color-gray-200);
    margin: var(--space-0);
}

/* Logo styling */
.in-header-logo {
    padding: var(--space-4) 0;
}

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

.uk-logo img {
    max-height: 56px;
    width: auto;
    transition: all var(--transition-base);
}

header.in-sticky .uk-logo img {
    max-height: 44px;
}

/* Navigation wrapper */
.in-navbar-wrapper {
    padding: var(--space-2) 0;
}

/* Premium navigation styling */
.uk-navbar-nav {
    display: flex;
    align-items: center;
    gap: var(--space-1);
    list-style: none;
    margin: 0;
    padding: 0;
}

.uk-navbar-nav > li > a {
    display: flex;
    align-items: center;
    gap: var(--space-1);
    padding: var(--space-3) var(--space-4);
    font-size: var(--text-sm);
    font-weight: var(--font-medium);
    color: var(--color-gray-700);
    text-decoration: none;
    border-radius: var(--radius);
    transition: all var(--transition-fast);
    min-height: var(--target-size-min);
}

.uk-navbar-nav > li > a:hover,
.uk-navbar-nav > li > a:focus {
    color: var(--color-primary);
    background: var(--color-gray-100);
}

.uk-navbar-nav > li > a[aria-current="page"] {
    color: var(--color-primary);
    background: rgba(10, 37, 64, 0.05);
    font-weight: var(--font-semibold);
}

/* Dropdown menus */
.uk-navbar-dropdown {
    border-radius: var(--radius-lg);
    box-shadow: var(--shadow-xl);
    border: 1px solid var(--color-gray-100);
    padding: var(--space-2);
    margin-top: var(--space-2);
    min-width: 220px;
    background: var(--bg-primary);
}

.uk-navbar-dropdown-nav {
    list-style: none;
    margin: 0;
    padding: var(--space-2);
}

.uk-navbar-dropdown-nav > li > a {
    display: flex;
    align-items: center;
    gap: var(--space-3);
    padding: var(--space-3) var(--space-4);
    font-size: var(--text-sm);
    color: var(--color-gray-700);
    text-decoration: none;
    border-radius: var(--radius);
    transition: all var(--transition-fast);
    min-height: var(--target-size-min);
}

.uk-navbar-dropdown-nav > li > a:hover,
.uk-navbar-dropdown-nav > li > a:focus {
    color: var(--color-primary);
    background: var(--color-gray-100);
}

/* Quick links dropdown - two columns */
.uk-navbar-dropdown-width-2 {
    min-width: 480px;
}

/* Mobile navigation toggle */
.in-mobile-nav button {
    width: var(--target-size-min);
    height: var(--target-size-min);
    border-radius: var(--radius);
    background: var(--color-gray-100);
    border: none;
    color: var(--color-gray-700);
    font-size: var(--text-lg);
    transition: all var(--transition-fast);
}

.in-mobile-nav button:hover,
.in-mobile-nav button:focus {
    background: var(--color-primary);
    color: var(--color-white);
}

/* ========================================================================
   5. HERO & SLIDESHOW - PREMIUM REDESIGN
   ======================================================================== */

.in-slideshow {
    background: linear-gradient(135deg, var(--color-primary) 0%, var(--color-secondary) 100%);
    border-radius: var(--radius-xl);
    overflow: hidden;
    margin: var(--space-6) 0;
    position: relative;
}

.in-slideshow::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.03'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
    pointer-events: none;
    z-index: 1;
}

.uk-slideshow-items {
    position: relative;
    margin: 0;
    padding: 0;
    list-style: none;
}

.uk-slideshow-items > li {
    position: relative;
}

/* Hero slide content */
.monee-custom-slideshow {
    min-height: 500px;
    display: flex;
    align-items: center;
}

.monee-slide1-text,
.monee-slide2-text {
    position: relative;
    z-index: 2;
    padding: var(--space-12) var(--space-8);
    color: var(--color-white);
}

.monee-slide1-text h1,
.monee-slide1-text h3,
.monee-slide2-text h1,
.monee-slide2-text p {
    color: var(--color-white);
}

/* Hero CTA Button */
.monee-slide1-text .uk-button,
.monee-slide2-text .uk-button {
    background: var(--color-primary-accent);
    color: var(--color-primary);
    font-weight: var(--font-semibold);
    padding: var(--space-4) var(--space-8);
    border-radius: var(--radius);
    border: none;
    font-size: var(--text-base);
    transition: all var(--transition-base);
    min-height: var(--target-size-min);
}

.monee-slide1-text .uk-button:hover,
.monee-slide1-text .uk-button:focus,
.monee-slide2-text .uk-button:hover,
.monee-slide2-text .uk-button:focus {
    background: var(--color-primary-accent-light);
    transform: translateY(-2px);
    box-shadow: 0 8px 24px rgba(232, 175, 48, 0.4);
}

/* Slideshow navigation dots */
.uk-dotnav {
    display: flex;
    gap: var(--space-2);
    list-style: none;
    padding: 0;
    margin: 0;
}

.uk-dotnav > li > a {
    width: 12px;
    height: 12px;
    border-radius: var(--radius-full);
    background: rgba(255, 255, 255, 0.4);
    transition: all var(--transition-fast);
}

.uk-dotnav > li.uk-active > a,
.uk-dotnav > li > a:hover {
    background: var(--color-white);
    transform: scale(1.2);
}

/* ========================================================================
   6. CARDS & COMPONENTS - PREMIUM REDESIGN
   ======================================================================== */

/* Card base */
.uk-card {
    background: var(--surface-card);
    border-radius: var(--radius-xl);
    box-shadow: var(--shadow-sm);
    border: 1px solid var(--color-gray-100);
    transition: all var(--transition-base);
    overflow: hidden;
}

.uk-card:hover {
    box-shadow: var(--shadow-lg);
    transform: translateY(-2px);
}

.uk-card-body {
    padding: var(--space-6);
}

/* Card variants */
.uk-card-primary {
    background: linear-gradient(135deg, var(--color-primary) 0%, var(--color-secondary) 100%);
    color: var(--color-white);
    border: none;
}

.uk-card-secondary {
    background: var(--color-gray-50);
}

/* Feature tiles */
.monee-custom-tile .uk-tile {
    padding: var(--space-6);
    border-radius: var(--radius-lg);
    background: var(--color-gray-50);
    border: 1px solid var(--color-gray-100);
    transition: all var(--transition-base);
    text-align: center;
}

.monee-custom-tile .uk-tile:hover {
    background: var(--bg-primary);
    border-color: var(--color-primary);
    box-shadow: var(--shadow-md);
    transform: translateY(-4px);
}

.monee-custom-tile .uk-tile img {
    width: 48px;
    height: 48px;
    margin: 0 auto var(--space-4);
    opacity: 0.8;
    transition: all var(--transition-base);
}

.monee-custom-tile .uk-tile:hover img {
    opacity: 1;
    transform: scale(1.1);
}

.monee-custom-tile .uk-tile h5 {
    color: var(--color-primary);
    font-weight: var(--font-semibold);
    margin: 0;
}

/* Service cards (Commodities, Currency, etc.) */
.uk-transition-toggle .uk-inline-clip {
    border-radius: var(--radius-xl);
    overflow: hidden;
    box-shadow: var(--shadow-md);
}

.uk-transition-toggle:hover .uk-inline-clip {
    box-shadow: var(--shadow-xl);
    transform: translateY(-4px);
}

.uk-transition-toggle .uk-inline-clip img {
    transition: transform var(--transition-slow);
}

.uk-transition-toggle:hover .uk-inline-clip img {
    transform: scale(1.05);
}

.uk-transition-toggle h3 {
    margin-top: var(--space-4);
    color: var(--color-primary);
    font-weight: var(--font-semibold);
}

.uk-transition-toggle p {
    color: var(--color-gray-600);
    font-size: var(--text-sm);
}

/* Icon button overlay */
.uk-icon-button {
    width: var(--target-size-min);
    height: var(--target-size-min);
    border-radius: var(--radius-full);
    background: var(--color-primary);
    color: var(--color-white);
    display: inline-flex;
    align-items: center;
    justify-content: center;
    transition: all var(--transition-base);
    border: none;
}

.uk-icon-button:hover,
.uk-icon-button:focus {
    background: var(--color-primary-accent);
    color: var(--color-primary);
    transform: scale(1.1);
}

/* ========================================================================
   7. STATS & NUMBERS - PREMIUM
   ======================================================================== */

.monee-custom-card .uk-card {
    background: var(--bg-primary);
    border-radius: var(--radius-xl);
}

.monee-custom-card .uk-card h2 {
    font-size: var(--text-4xl);
    font-weight: var(--font-extrabold);
    color: var(--color-primary);
    margin-bottom: var(--space-1);
}

.monee-custom-card .uk-card p {
    color: var(--color-gray-500);
    font-size: var(--text-sm);
    margin: 0;
}

/* Price ticker */
.monee-price-ticker {
    background: rgba(10, 37, 64, 0.9);
    backdrop-filter: blur(12px);
    -webkit-backdrop-filter: blur(12px);
    border-radius: var(--radius-lg);
    padding: var(--space-4) var(--space-6);
    margin-top: var(--space-4);
}

.monee-price-ticker .uk-label {
    padding: var(--space-1) var(--space-3);
    border-radius: var(--radius);
    font-size: var(--text-xs);
    font-weight: var(--font-semibold);
}

/* ========================================================================
   8. FORMS - PREMIUM REDESIGN
   ======================================================================== */

.uk-input,
.uk-select,
.uk-textarea {
    width: 100%;
    padding: var(--space-3) var(--space-4);
    font-size: var(--text-base);
    font-family: var(--font-sans);
    border: 2px solid var(--color-gray-200);
    border-radius: var(--radius);
    background: var(--bg-primary);
    color: var(--color-gray-800);
    transition: all var(--transition-fast);
    min-height: var(--target-size-min);
}

.uk-input:hover,
.uk-select:hover,
.uk-textarea:hover {
    border-color: var(--color-gray-300);
}

.uk-input:focus,
.uk-select:focus,
.uk-textarea:focus {
    outline: none;
    border-color: var(--color-primary);
    box-shadow: 0 0 0 4px rgba(10, 37, 64, 0.1);
}

.uk-input::placeholder {
    color: var(--color-gray-400);
}

/* Premium buttons */
.uk-button {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: var(--space-2);
    padding: var(--space-3) var(--space-6);
    font-size: var(--text-base);
    font-weight: var(--font-semibold);
    font-family: var(--font-sans);
    border-radius: var(--radius);
    border: none;
    cursor: pointer;
    transition: all var(--transition-base);
    min-height: var(--target-size-min);
    text-decoration: none;
}

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

.uk-button-primary:hover,
.uk-button-primary:focus {
    background: var(--color-primary-hover);
    transform: translateY(-1px);
    box-shadow: var(--shadow-md);
}

.uk-button-secondary {
    background: var(--color-gray-100);
    color: var(--color-gray-800);
}

.uk-button-secondary:hover,
.uk-button-secondary:focus {
    background: var(--color-gray-200);
}

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

.uk-button-outline:hover,
.uk-button-outline:focus {
    background: var(--color-primary);
    color: var(--color-white);
}

/* Button large variant */
.uk-button-large {
    padding: var(--space-4) var(--space-8);
    font-size: var(--text-lg);
    min-height: 56px;
}

/* ========================================================================
   9. FOOTER - PREMIUM REDESIGN
   ======================================================================== */

footer {
    background: var(--color-primary);
    color: var(--color-white);
    padding: var(--space-16) 0 var(--space-8);
    margin-top: var(--space-16);
}

footer hr {
    border-color: rgba(255, 255, 255, 0.1);
    margin: var(--space-8) 0;
}

footer h4 {
    color: var(--color-white);
    font-size: var(--text-base);
    font-weight: var(--font-semibold);
    margin-bottom: var(--space-4);
    text-transform: uppercase;
    letter-spacing: var(--tracking-wider);
}

footer a {
    color: rgba(255, 255, 255, 0.7);
    text-decoration: none;
    transition: color var(--transition-fast);
}

footer a:hover,
footer a:focus {
    color: var(--color-primary-accent);
}

/* Footer social icons */
.in-footer-socials {
    gap: var(--space-3);
}

.in-footer-socials .uk-icon-button {
    width: 40px;
    height: 40px;
    border-radius: var(--radius);
    background: rgba(255, 255, 255, 0.1);
    color: var(--color-white);
    font-size: var(--text-sm);
    transition: all var(--transition-base);
}

.in-footer-socials .uk-icon-button:hover,
.in-footer-socials .uk-icon-button:focus {
    background: var(--color-primary-accent);
    color: var(--color-primary);
    transform: translateY(-2px);
}

/* Footer contact info */
.in-footer-address p {
    color: rgba(255, 255, 255, 0.7);
    font-size: var(--text-sm);
    line-height: var(--leading-relaxed);
}

/* Footer copyright */
.in-footer-copyright {
    background: rgba(0, 0, 0, 0.2);
    border-radius: var(--radius-lg);
    padding: var(--space-4) var(--space-6);
}

.in-footer-copyright p {
    color: rgba(255, 255, 255, 0.8);
    font-size: var(--text-sm);
    margin: 0;
}

/* Footer disclaimer */
.in-footer-disclaimer {
    background: rgba(0, 0, 0, 0.15);
    border-radius: var(--radius-lg);
    padding: var(--space-6);
    margin-top: var(--space-6);
}

.in-footer-disclaimer h5 {
    color: var(--color-primary-accent);
    font-weight: var(--font-bold);
    margin-bottom: var(--space-4);
}

.in-footer-disclaimer p,
.in-footer-disclaimer li {
    color: rgba(255, 255, 255, 0.7);
    font-size: var(--text-sm);
    line-height: var(--leading-relaxed);
}

/* Back to top button */
.in-totop {
    width: 44px;
    height: 44px;
    border-radius: var(--radius-full);
    background: var(--color-primary-accent);
    color: var(--color-primary);
    display: flex;
    align-items: center;
    justify-content: center;
    transition: all var(--transition-base);
}

.in-totop:hover,
.in-totop:focus {
    background: var(--color-white);
    transform: translateY(-4px);
}

/* ========================================================================
   10. ACCESSIBILITY - WCAG 2.2 AA COMPLIANT
   ======================================================================== */

/* Auto-scrolling animations - respect reduced motion */
@media (prefers-reduced-motion: reduce) {
    .scrolling-text ol {
        animation: none;
    }
    
    .scrolling-text {
        overflow-x: auto;
        white-space: nowrap;
    }
    
    [data-uk-slider="autoplay: true"] {
        animation: none !important;
    }
    
    .uk-slideshow-items {
        animation: none !important;
    }
    
    [data-uk-scrollspy],
    [data-uk-scrollspy] * {
        animation: none !important;
        transition: none !important;
    }
}

/* Skip link */
.skip-link {
    position: absolute;
    top: -100%;
    left: 50%;
    transform: translateX(-50%);
    padding: var(--space-3) var(--space-6);
    background: var(--color-primary);
    color: var(--color-white);
    border-radius: var(--radius);
    font-weight: var(--font-semibold);
    z-index: 10000;
    transition: top var(--transition-fast);
}

.skip-link:focus {
    top: var(--space-4);
    outline: 3px solid var(--color-primary-accent);
    outline-offset: 2px;
}

/* Focus visible styles */
a:focus-visible,
button:focus-visible,
.uk-button:focus-visible,
input:focus-visible,
select:focus-visible,
textarea:focus-visible,
[tabindex]:focus-visible {
    outline: 3px solid var(--color-primary-accent);
    outline-offset: 2px;
}

/* High visibility focus for critical elements */
.uk-button:focus,
.skip-link:focus,
button:focus {
    outline: 3px solid var(--color-primary-accent);
    outline-offset: 3px;
}

/* Screen reader only */
.sr-only,
.uk-sr-only {
    position: absolute;
    width: 1px;
    height: 1px;
    padding: 0;
    margin: -1px;
    overflow: hidden;
    clip: rect(0, 0, 0, 0);
    white-space: nowrap;
    border: 0;
}

/* Reduced motion */
@media (prefers-reduced-motion: reduce) {
    *,
    *::before,
    *::after {
        animation-duration: 0.01ms !important;
        animation-iteration-count: 1 !important;
        transition-duration: 0.01ms !important;
        scroll-behavior: auto !important;
    }
}

/* ========================================================================
   11. ANIMATIONS & MICRO-INTERACTIONS
   ======================================================================== */

/* Fade in animation */
@keyframes fadeIn {
    from {
        opacity: 0;
        transform: translateY(20px);
    }
    to {
        opacity: 1;
        transform: translateY(0);
    }
}

.uk-animation-fade {
    animation: fadeIn 0.5s ease forwards;
}

/* Slide up animation */
@keyframes slideUp {
    from {
        opacity: 0;
        transform: translateY(30px);
    }
    to {
        opacity: 1;
        transform: translateY(0);
    }
}

.uk-animation-slide-up {
    animation: slideUp 0.6s ease forwards;
}

/* Scale in animation */
@keyframes scaleIn {
    from {
        opacity: 0;
        transform: scale(0.95);
    }
    to {
        opacity: 1;
        transform: scale(1);
    }
}

.uk-animation-scale-in {
    animation: scaleIn 0.4s ease forwards;
}

/* Staggered animation for lists */
.stagger-item {
    opacity: 0;
    animation: fadeIn 0.5s ease forwards;
}

.stagger-item:nth-child(1) { animation-delay: 0ms; }
.stagger-item:nth-child(2) { animation-delay: 100ms; }
.stagger-item:nth-child(3) { animation-delay: 200ms; }
.stagger-item:nth-child(4) { animation-delay: 300ms; }
.stagger-item:nth-child(5) { animation-delay: 400ms; }
.stagger-item:nth-child(6) { animation-delay: 500ms; }

/* Scroll reveal */
[data-uk-scrollspy] {
    opacity: 0;
    transform: translateY(30px);
    transition: opacity 0.6s ease, transform 0.6s ease;
}

[data-uk-scrollspy].uk-scrollspy-inview {
    opacity: 1;
    transform: translateY(0);
}

/* ========================================================================
   12. RESPONSIVE DESIGN
   ======================================================================== */

/* Tablet */
@media (max-width: 960px) {
    :root {
        --text-4xl: 2rem;
        --text-3xl: 1.5rem;
        --text-2xl: 1.25rem;
    }
    
    .in-slideshow {
        border-radius: var(--radius-lg);
        margin: var(--space-4) 0;
    }
    
    .monee-custom-slideshow {
        min-height: 400px;
    }
    
    .monee-slide1-text,
    .monee-slide2-text {
        padding: var(--space-8) var(--space-4);
    }
    
    .uk-card-body {
        padding: var(--space-4);
    }
    
    footer {
        padding: var(--space-10) 0 var(--space-6);
    }
}

/* Mobile */
@media (max-width: 640px) {
    :root {
        --text-4xl: 1.75rem;
        --text-3xl: 1.375rem;
        --text-2xl: 1.125rem;
    }
    
    .in-header-links {
        flex-wrap: wrap;
        justify-content: center;
    }
    
    .in-header-links .uk-button {
        flex: 1 1 auto;
        min-width: 140px;
        margin: var(--space-1);
    }
    
    .in-slideshow {
        border-radius: var(--radius);
        margin: var(--space-2) 0;
    }
    
    .monee-custom-slideshow {
        min-height: 300px;
    }
    
    .monee-slide1-text h3 {
        font-size: var(--text-lg);
    }
    
    .monee-slide1-text h1 {
        font-size: var(--text-2xl);
    }
    
    .monee-slide2-text h1 {
        font-size: var(--text-xl);
    }
    
    .uk-card-body {
        padding: var(--space-4);
    }
    
    .monee-custom-tile .uk-tile {
        padding: var(--space-4);
    }
    
    footer {
        padding: var(--space-8) 0 var(--space-4);
    }
    
    footer .uk-child-width-1-4\@m {
        columns: 2;
    }
}

/* ========================================================================
   14. PREMIUM SECTION STYLES
   ======================================================================== */

/* Premium Header */
.premium-header {
    background: var(--bg-primary);
}

.premium-topbar {
    background: var(--color-primary);
    padding: var(--space-2) 0;
}

.premium-topbar .lang-toggle button {
    border-color: rgba(255, 255, 255, 0.3);
}

.premium-topbar .lang-toggle button:hover,
.premium-topbar .lang-toggle button:focus {
    background: rgba(255, 255, 255, 0.2);
}

.premium-navbar {
    background: var(--bg-primary);
    border-bottom: 1px solid var(--color-gray-100);
}

/* Premium Hero */
.premium-hero {
    padding: var(--space-6) 0;
    background: var(--bg-secondary);
}

/* Premium Account Section */
.premium-account-section {
    background: var(--bg-secondary);
}

.premium-account-section .premium-card {
    background: var(--bg-primary);
    border-radius: var(--radius-xl);
    padding: var(--space-6);
    box-shadow: var(--shadow-lg);
    border: 1px solid var(--color-gray-100);
}

/* Premium Platform Card */
.premium-platform-card {
    background: linear-gradient(135deg, var(--color-primary) 0%, var(--color-secondary) 100%);
    border-radius: var(--radius-xl);
    border: none;
    overflow: hidden;
}

.premium-platform-card .uk-card-body {
    padding: var(--space-8);
}

.premium-platform-card h2 {
    color: var(--color-white);
    font-size: var(--text-3xl);
}

/* Premium Features Section */
.premium-features-section {
    background: var(--bg-primary);
}

.premium-features-text h2 {
    font-size: var(--text-3xl);
    margin-bottom: var(--space-4);
}

.premium-features-text p {
    font-size: var(--text-lg);
    color: var(--color-gray-600);
}

.premium-feature-tiles .uk-tile {
    background: var(--bg-secondary);
    border: 1px solid var(--color-gray-100);
    transition: all var(--transition-base);
}

.premium-feature-tiles .uk-tile:hover {
    background: var(--bg-primary);
    border-color: var(--color-primary);
    box-shadow: var(--shadow-lg);
    transform: translateY(-4px);
}

/* Premium Stats Section */
.premium-stats-section {
    background: var(--bg-secondary);
}

.premium-stats-card {
    border-radius: var(--radius-xl);
    border: 1px solid var(--color-gray-100);
    overflow: hidden;
}

.premium-stat-item {
    padding: var(--space-4);
    transition: all var(--transition-base);
}

.premium-stat-item:hover {
    background: var(--color-gray-50);
}

/* Premium Experience Section */
.premium-experience-section {
    background: var(--bg-primary);
}

.premium-image-wrapper {
    border-radius: var(--radius-xl);
    overflow: hidden;
    box-shadow: var(--shadow-xl);
}

.premium-image-wrapper img {
    width: 100%;
    height: auto;
    display: block;
}

.premium-experience-content h2 {
    font-size: var(--text-3xl);
}

.premium-experience-content h3 {
    font-size: var(--text-xl);
}

/* Premium Services Section */
.premium-services-section {
    background: var(--bg-secondary);
}

.premium-service-card {
    background: var(--bg-primary);
    border-radius: var(--radius-xl);
    padding: var(--space-4);
    transition: all var(--transition-base);
    border: 1px solid transparent;
}

.premium-service-card:hover {
    transform: translateY(-8px);
    box-shadow: var(--shadow-xl);
    border-color: var(--color-primary);
}

.premium-service-card .uk-inline-clip {
    border-radius: var(--radius-lg);
    overflow: hidden;
}

.premium-service-card h3 {
    color: var(--color-primary);
    font-weight: var(--font-semibold);
    transition: color var(--transition-fast);
}

.premium-service-card:hover h3 {
    color: var(--color-secondary);
}

.premium-service-card p {
    color: var(--color-gray-600);
    font-size: var(--text-sm);
}

/* Premium Risk Section */
.premium-risk-section {
    background: var(--bg-primary);
}

.premium-risk-section .uk-border-rounded {
    border-radius: var(--radius-xl);
    box-shadow: var(--shadow-xl);
}

.premium-risk-section h2 {
    font-size: var(--text-3xl);
    color: var(--color-danger);
}

.premium-risk-section h3 {
    font-size: var(--text-xl);
    color: var(--color-warning);
}

.premium-risk-section ul {
    background: var(--bg-secondary);
    border-radius: var(--radius-lg);
    padding: var(--space-6);
}

.premium-risk-section li {
    padding: var(--space-3) 0;
    border-bottom: 1px solid var(--color-gray-100);
}

.premium-risk-section li:last-child {
    border-bottom: none;
}

/* Premium Chatbox */
.premium-chatbox {
    position: fixed;
    bottom: var(--space-6);
    right: var(--space-6);
    z-index: var(--z-fixed);
}

/* ========================================================================
   15. BORDER RADIUS UTILITIES
   ======================================================================== */

.uk-border-rounded-small {
    border-radius: var(--radius-sm) !important;
}

.uk-border-rounded-medium {
    border-radius: var(--radius) !important;
}

.uk-border-rounded-large {
    border-radius: var(--radius-xl) !important;
}

.uk-border-rounded-xlarge {
    border-radius: var(--radius-2xl) !important;
}

/* ========================================================================
   13. PREMIUM FOOTER REDESIGN
   ======================================================================== */

/* Footer Container */
.premium-footer {
    background: var(--color-primary);
    color: var(--color-white);
    padding: var(--space-16) 0 var(--space-8);
    margin-top: var(--space-16);
}

.premium-footer-inner {
    max-width: 1400px;
    margin: 0 auto;
    padding: 0 var(--space-10);
}

/* Footer Top Bar */
.premium-footer-top {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding-bottom: var(--space-6);
    margin-bottom: var(--space-8);
    border-bottom: 1px solid rgba(255, 255, 255, 0.1);
    flex-wrap: wrap;
    gap: var(--space-4);
}

.premium-footer-help {
    display: flex;
    align-items: center;
}

.premium-footer-contact {
    display: flex;
    align-items: center;
    gap: var(--space-6);
    list-style: none;
    margin: 0;
    padding: 0;
}

.premium-footer-contact li {
    color: rgba(255, 255, 255, 0.8);
    font-size: var(--text-sm);
    display: flex;
    align-items: center;
    gap: var(--space-2);
}

.premium-footer-contact li i {
    color: var(--color-primary-accent);
}

.premium-footer-contact li a {
    color: rgba(255, 255, 255, 0.8);
    text-decoration: none;
    display: flex;
    align-items: center;
    gap: var(--space-2);
    transition: color var(--transition-fast);
}

.premium-footer-contact li a:hover,
.premium-footer-contact li a:focus {
    color: var(--color-primary-accent);
}

.premium-footer-social {
    display: flex;
    align-items: center;
    gap: var(--space-3);
    color: rgba(255, 255, 255, 0.7);
    font-size: var(--text-sm);
}

.premium-footer-social .uk-icon-button {
    width: 40px;
    height: 40px;
    border-radius: var(--radius);
    background: rgba(255, 255, 255, 0.1);
    color: var(--color-white);
    display: inline-flex;
    align-items: center;
    justify-content: center;
    transition: all var(--transition-base);
    text-decoration: none;
}

.premium-footer-social .uk-icon-button:hover,
.premium-footer-social .uk-icon-button:focus {
    background: var(--color-primary-accent);
    color: var(--color-primary);
    transform: translateY(-2px);
}

/* Footer Grid - 4 Equal Columns */
.premium-footer-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: var(--space-12);
    margin-bottom: var(--space-10);
}

.premium-footer-column h4 {
    color: var(--color-white);
    font-size: var(--text-base);
    font-weight: var(--font-semibold);
    margin-bottom: var(--space-5);
    text-transform: uppercase;
    letter-spacing: var(--tracking-wider);
    position: relative;
    padding-bottom: var(--space-3);
}

.premium-footer-column h4::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    width: 40px;
    height: 2px;
    background: var(--color-primary-accent);
}

.premium-footer-column ul {
    list-style: none;
    margin: 0;
    padding: 0;
}

.premium-footer-column ul li {
    margin-bottom: var(--space-3);
}

.premium-footer-column ul li a {
    color: rgba(255, 255, 255, 0.7);
    text-decoration: none;
    font-size: var(--text-sm);
    transition: all var(--transition-fast);
    display: inline-block;
    padding: var(--space-1) 0;
}

.premium-footer-column ul li a:hover,
.premium-footer-column ul li a:focus {
    color: var(--color-primary-accent);
    padding-left: var(--space-2);
}

.premium-footer-address {
    font-style: normal;
}

.premium-footer-address p {
    color: rgba(255, 255, 255, 0.7);
    font-size: var(--text-sm);
    line-height: var(--leading-relaxed);
    margin: 0;
}

/* Footer Bottom - Copyright */
.premium-footer-bottom {
    padding-top: var(--space-6);
    border-top: 1px solid rgba(255, 255, 255, 0.1);
    margin-top: var(--space-6);
}

.premium-footer-copyright {
    display: flex;
    justify-content: space-between;
    align-items: center;
    flex-wrap: wrap;
    gap: var(--space-4);
}

.premium-footer-copyright p {
    color: rgba(255, 255, 255, 0.8);
    font-size: var(--text-sm);
    margin: 0;
}

.premium-footer-payments {
    display: flex;
    gap: var(--space-3);
    align-items: center;
}

.premium-footer-payments img {
    opacity: 0.8;
    transition: opacity var(--transition-fast);
}

.premium-footer-payments img:hover {
    opacity: 1;
}

/* Footer Disclaimer */
.premium-footer-disclaimer {
    margin-top: var(--space-8);
    padding: var(--space-6);
    background: rgba(0, 0, 0, 0.2);
    border-radius: var(--radius-lg);
}

.premium-footer-disclaimer h5 {
    color: var(--color-primary-accent);
    font-weight: var(--font-bold);
    margin-bottom: var(--space-4);
}

.premium-footer-disclaimer ol {
    margin: 0;
    padding-left: var(--space-6);
}

.premium-footer-disclaimer li {
    color: rgba(255, 255, 255, 0.7);
    font-size: var(--text-sm);
    line-height: var(--leading-relaxed);
    margin-bottom: var(--space-2);
}

/* Footer Back to Top */
.in-totop {
    position: absolute;
    right: var(--space-6);
    bottom: var(--space-6);
    width: 44px;
    height: 44px;
    border-radius: var(--radius-full);
    background: var(--color-primary-accent);
    color: var(--color-primary);
    display: flex;
    align-items: center;
    justify-content: center;
    text-decoration: none;
    transition: all var(--transition-base);
    box-shadow: var(--shadow-md);
}

.in-totop:hover,
.in-totop:focus {
    background: var(--color-white);
    transform: translateY(-4px);
    color: var(--color-primary);
}

/* Responsive Footer */
@media (max-width: 960px) {
    .premium-footer-inner {
        padding: 0 var(--space-6);
    }

    .premium-footer-grid {
        grid-template-columns: repeat(2, 1fr);
        gap: var(--space-8);
    }

    .premium-footer-top {
        flex-direction: column;
        text-align: center;
    }

    .premium-footer-contact {
        flex-wrap: wrap;
        justify-content: center;
    }

    .premium-footer-copyright {
        flex-direction: column;
        text-align: center;
    }
}

@media (max-width: 640px) {
    .premium-footer {
        padding: var(--space-10) 0 var(--space-6);
    }

    .premium-footer-inner {
        padding: 0 var(--space-4);
    }

    .premium-footer-grid {
        grid-template-columns: 1fr;
        gap: var(--space-6);
    }

    .premium-footer-column {
        text-align: center;
    }

    .premium-footer-column h4::after {
        left: 50%;
        transform: translateX(-50%);
    }

    .in-totop {
        right: var(--space-4);
        bottom: var(--space-4);
    }
}

/* ========================================================================
   14. ACCESSIBILITY FLOATING WIDGET
   ======================================================================== */

.accessibility-menu {
    position: fixed;
    bottom: var(--space-6);
    right: var(--space-6);
    z-index: 9999;
    display: flex;
    flex-direction: column;
    align-items: flex-end;
    gap: var(--space-3);
}

/* Floating Toggle Button */
.fab {
    width: 56px;
    height: 56px;
    border-radius: var(--radius-full);
    background: var(--color-primary);
    color: var(--color-white);
    border: none;
    cursor: pointer;
    font-size: 24px;
    display: flex;
    align-items: center;
    justify-content: center;
    box-shadow: var(--shadow-lg);
    transition: all var(--transition-base);
    min-width: 44px;
    min-height: 44px;
}

.fab:hover,
.fab:focus {
    background: var(--color-primary-hover);
    transform: scale(1.05);
    box-shadow: var(--shadow-xl);
}

.fab:focus {
    outline: 3px solid var(--color-primary-accent);
    outline-offset: 2px;
}

/* Accessibility Panel */
.accessibility-panel {
    position: absolute;
    bottom: 70px;
    right: 0;
    display: flex;
    flex-direction: column;
    gap: var(--space-2);
    background: var(--bg-primary);
    padding: var(--space-4);
    border-radius: var(--radius-xl);
    box-shadow: var(--shadow-2xl);
    min-width: 200px;
    opacity: 0;
    visibility: hidden;
    transform: translateY(10px);
    transition: all var(--transition-base);
    pointer-events: none;
}

/* Hidden state using class */
.accessibility-panel.is-hidden {
    display: none !important;
}

/* Visible state */
.accessibility-panel:not(.is-hidden) {
    opacity: 1;
    visibility: visible;
    transform: translateY(0);
    pointer-events: auto;
}

.accessibility-panel button,
.accessibility-panel a {
    display: flex;
    align-items: center;
    gap: var(--space-3);
    padding: var(--space-3) var(--space-4);
    background: var(--color-gray-100);
    color: var(--color-gray-800);
    border: none;
    border-radius: var(--radius);
    font-size: var(--text-sm);
    font-weight: var(--font-medium);
    cursor: pointer;
    text-decoration: none;
    text-align: left;
    transition: all var(--transition-fast);
    min-height: var(--target-size-min);
    width: 100%;
}

.accessibility-panel button:hover,
.accessibility-panel button:focus,
.accessibility-panel a:hover,
.accessibility-panel a:focus {
    background: var(--color-primary);
    color: var(--color-white);
}

.accessibility-panel button:focus,
.accessibility-panel a:focus {
    outline: 3px solid var(--color-primary-accent);
    outline-offset: -3px;
}

/* Accessibility Panel Header */
.accessibility-panel-header {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding-bottom: var(--space-3);
    margin-bottom: var(--space-2);
    border-bottom: 1px solid var(--color-gray-200);
}

.accessibility-panel-title {
    font-weight: var(--font-semibold);
    color: var(--color-gray-800);
    font-size: var(--text-sm);
}

/* Keyboard Focus Within Panel */
.accessibility-panel:focus-within {
    opacity: 1;
    visibility: visible;
    transform: translateY(0);
    pointer-events: auto;
}

/* Reduced Motion */
@media (prefers-reduced-motion: reduce) {
    .accessibility-panel {
        transition: none;
    }

    .fab:hover,
    .fab:focus {
        transform: none;
    }
}

/* ========================================================================
   13. UTILITIES
   ======================================================================== */

/* Container */
.uk-container {
    max-width: 1280px;
    padding-left: var(--space-6);
    padding-right: var(--space-6);
    width: 100%;
    margin-left: auto;
    margin-right: auto;
}

@media (max-width: 640px) {
    .uk-container {
        padding-left: var(--space-4);
        padding-right: var(--space-4);
    }
}

/* Section spacing */
.uk-section {
    padding: var(--space-12) 0;
}

@media (max-width: 640px) {
    .uk-section {
        padding: var(--space-8) 0;
    }
}

/* Grid */
.uk-grid {
    margin-left: calc(var(--space-6) * -1);
}

.uk-grid > * {
    padding-left: var(--space-6);
}

@media (max-width: 640px) {
    .uk-grid {
        margin-left: calc(var(--space-4) * -1);
    }
    
    .uk-grid > * {
        padding-left: var(--space-4);
    }
}

/* Image styling */
.uk-img,
.uk-border-rounded {
    border-radius: var(--radius-lg);
}

.uk-border-circle {
    border-radius: var(--radius-full);
}

/* Shadow utilities */
.uk-box-shadow-small { box-shadow: var(--shadow-sm); }
.uk-box-shadow-medium { box-shadow: var(--shadow-md); }
.uk-box-shadow-large { box-shadow: var(--shadow-lg); }

/* Text utilities */
.uk-text-center { text-align: center; }
.uk-text-left { text-align: left; }
.uk-text-right { text-align: right; }

.uk-text-bold { font-weight: var(--font-bold); }
.uk-text-medium { font-weight: var(--font-medium); }

/* Visibility */
.uk-visible { display: block !important; }
.uk-hidden { display: none !important; }

/* ========================================================================
   MOBILE RESPONSIVE STYLES - HOMEPAGE
   ======================================================================== */

/* Mobile Navigation Panel - Always Visible When Active */
.mobile-nav-panel {
    position: fixed;
    top: 0;
    right: 0;
    bottom: 0;
    width: 85%;
    max-width: 320px;
    background: #fff;
    z-index: 10000;
    transform: translateX(100%);
    transition: transform 0.3s ease-in-out;
    overflow-y: auto;
    overflow-x: hidden;
    box-shadow: -2px 0 10px rgba(0,0,0,0.1);
}

.mobile-nav-panel.is-active {
    transform: translateX(0);
}

.mobile-nav-overlay {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    bottom: 0;
    background: rgba(0, 0, 0, 0.5);
    z-index: 9999;
    opacity: 0;
    visibility: hidden;
    transition: all 0.3s ease;
}

.mobile-nav-overlay.is-active {
    opacity: 1;
    visibility: visible;
}

.mobile-nav-header {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 15px 20px;
    background: #0A2540;
    color: #fff;
}

.mobile-nav-logo img {
    height: 40px;
}

.mobile-nav-close {
    width: 44px;
    height: 44px;
    border-radius: 8px;
    background: rgba(255,255,255,0.1);
    border: none;
    color: #fff;
    font-size: 20px;
    cursor: pointer;
    display: flex;
    align-items: center;
    justify-content: center;
}

.mobile-nav-close:hover {
    background: rgba(255,255,255,0.2);
}

.mobile-nav-actions {
    padding: 15px;
    border-bottom: 1px solid #eee;
}

.mobile-nav-actions a {
    display: block;
    width: 100%;
    padding: 14px 20px;
    margin-bottom: 10px;
    background: #0A2540;
    color: #fff;
    text-align: center;
    border-radius: 8px;
    text-decoration: none;
    font-weight: 600;
}

.mobile-nav-actions a:last-child {
    margin-bottom: 0;
}

.mobile-nav-actions a:hover,
.mobile-nav-actions a:focus {
    background: #1a3a5c;
}

.mobile-nav-links {
    padding: 10px 0;
}

.mobile-nav-links ul {
    list-style: none;
    margin: 0;
    padding: 0;
}

.mobile-nav-links > ul > li {
    border-bottom: 1px solid #f0f0f0;
}

.mobile-nav-links a {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 14px 20px;
    color: #333;
    text-decoration: none;
}

.mobile-nav-links a:hover,
.mobile-nav-links a:focus {
    background: #f8f9fa;
    color: #0A2540;
}

.mobile-nav-dropdown-trigger {
    display: flex;
    justify-content: space-between;
    align-items: center;
    width: 100%;
    padding: 14px 20px;
    background: none;
    border: none;
    border-bottom: 1px solid #f0f0f0;
    color: #333;
    font-size: 16px;
    cursor: pointer;
    text-align: left;
}

.mobile-nav-dropdown {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.3s ease;
}

.mobile-nav-dropdown.is-active {
    max-height: 500px;
}

.mobile-nav-dropdown ul {
    list-style: none;
    margin: 0;
    padding: 0;
    background: #f8f9fa;
}

.mobile-nav-dropdown a {
    padding-left: 40px;
    font-size: 14px;
}

.mobile-nav-arrow {
    font-size: 12px;
    transition: transform 0.3s ease;
}

.mobile-nav-dropdown-trigger.is-open .mobile-nav-arrow {
    transform: rotate(180deg);
}

/* Premium Hero Section - Mobile */
@media (max-width: 767px) {
    .premium-hero {
        padding: 10px 0;
    }
    
    .in-slideshow {
        border-radius: 12px;
        margin: 10px;
    }
    
    .in-slideshow ul.uk-slideshow-items li > div {
        min-height: 300px !important;
    }
    
    .monee-custom-slideshow {
        min-height: 300px;
    }
    
    .monee-slide1-text h3 {
        font-size: 16px !important;
    }
    
    .monee-slide1-text h1 {
        font-size: 24px !important;
    }
    
    .monee-slide2-text h1 {
        font-size: 22px !important;
    }
    
    .monee-slide2-text p {
        font-size: 14px !important;
    }
    
    .uk-slideshow-items li > div > img {
        min-height: 300px;
        object-fit: cover;
    }
    
    .uk-dotnav {
        bottom: 10px;
        right: 10px;
    }
}

/* Premium Account Section - Mobile */
@media (max-width: 767px) {
    .premium-account-section {
        padding: 30px 15px;
    }
    
    .premium-account-section h2 {
        font-size: 22px !important;
    }
    
    .premium-account-section p {
        font-size: 14px !important;
    }
}

/* Premium Platform Section - Mobile */
@media (max-width: 767px) {
    .premium-platform-section {
        padding: 30px 15px;
    }
    
    .premium-platform-section h2 {
        font-size: 20px !important;
    }
    
    .premium-platform-section .uk-card {
        margin-bottom: 15px;
    }
}

/* Premium Features Section - Mobile */
@media (max-width: 767px) {
    .premium-features-section {
        padding: 30px 15px;
    }
    
    .premium-features-section h2 {
        font-size: 20px !important;
    }
    
    .premium-features-grid {
        display: block;
    }
    
    .premium-features-grid > div {
        margin-bottom: 15px;
    }
}

/* Premium Stats Section - Mobile */
@media (max-width: 767px) {
    .premium-stats-section {
        padding: 30px 15px;
    }
    
    .premium-stats-section h2 {
        font-size: 18px !important;
    }
    
    .stats-grid {
        display: block;
    }
    
    .stats-grid > div {
        margin-bottom: 20px;
        text-align: center;
    }
}

/* Premium Experience Section - Mobile */
@media (max-width: 767px) {
    .premium-experience-section {
        padding: 30px 15px;
    }
    
    .premium-experience-section h2 {
        font-size: 20px !important;
    }
    
    .experience-cards {
        display: block;
    }
    
    .experience-cards > div {
        margin-bottom: 15px;
    }
}

/* Premium Services Section - Mobile */
@media (max-width: 767px) {
    .premium-services-section {
        padding: 30px 15px;
    }
    
    .premium-services-section h2 {
        font-size: 20px !important;
    }
    
    .services-grid {
        display: block;
    }
    
    .services-grid > div {
        margin-bottom: 15px;
    }
}

/* Premium Risk Section - Mobile */
@media (max-width: 767px) {
    .premium-risk-section {
        padding: 30px 15px;
    }
    
    .premium-risk-section h2 {
        font-size: 18px !important;
    }
    
    .premium-risk-section p {
        font-size: 13px !important;
    }
}

/* Premium Footer - Mobile */
@media (max-width: 767px) {
    .premium-footer .footer-grid {
        display: block;
        text-align: center;
    }
    
    .premium-footer .footer-grid > div {
        margin-bottom: 30px;
    }
    
    .premium-footer h3 {
        font-size: 16px !important;
    }
    
    .premium-footer ul {
        padding-left: 0;
    }
    
    .premium-footer li {
        list-style: none;
    }
    
    .premium-footer .footer-bottom {
        text-align: center;
    }
}

/* Utility classes for mobile */
@media (max-width: 767px) {
    .uk-container {
        padding-left: 15px;
        padding-right: 15px;
    }
    
    h1 { font-size: 28px !important; }
    h2 { font-size: 22px !important; }
    h3 { font-size: 18px !important; }
    h4 { font-size: 16px !important; }
    
    p { font-size: 14px !important; line-height: 1.6 !important; }
    
    .uk-card-body {
        padding: 15px;
    }
    
    .uk-grid > * {
        margin-bottom: 15px;
    }
    
    /* Ensure images are responsive */
    img {
        max-width: 100%;
        height: auto;
    }
    
    /* Touch-friendly buttons */
    .uk-button {
        min-height: 44px;
        padding: 0 20px;
    }
    
    /* Hide elements that don't work well on mobile */
    .uk-visible@m {
        display: none !important;
    }
    
    /* Show mobile elements */
    .uk-hidden\@m {
        display: block !important;
    }
}

/* Tablet specific */
@media (min-width: 768px) and (max-width: 1023px) {
    .uk-container {
        padding-left: 20px;
        padding-right: 20px;
    }
    
    h1 { font-size: 32px !important; }
    h2 { font-size: 26px !important; }
}

/* Print styles */
@media print {
    header,
    .in-slideshow,
    .chatbox,
    .in-mobile-nav,
    .footer-socials,
    .uk-button,
    .accessibility-menu {
        display: none !important;
    }
    
    body {
        font-size: 12pt;
        color: #000;
        background: #fff;
    }
    
    h1, h2, h3, h4, h5, h6 {
        color: #000;
        page-break-after: avoid;
    }
    
    footer {
        background: #f5f5f5;
        color: #000;
    }
    
    a {
        text-decoration: underline;
    }
}