/* ============================================================
   AUSTIN TEMPLATE — NORTAF Credit Union
   Custom design built on ViserBank's CSS variable system
   Colors controlled from Admin → General Settings
   ============================================================ */

@import url('https://fonts.googleapis.com/css2?family=Inter:wght@400;500;600;700;800&family=Poppins:wght@400;500;600;700&display=swap');

/* ── CSS Variables ──────────────────────────────────────── */
:root {
    --austin-font: 'Inter', sans-serif;
    --austin-heading-font: 'Poppins', sans-serif;
    --austin-navy: #14233C;
    --austin-navy-light: #1e3a5f;
    --austin-teal: hsl(var(--base));
    --austin-teal-hex: #51BFDB;
    --austin-white: #ffffff;
    --austin-light: #f8fafc;
    --austin-border: #e8edf3;
    --austin-text: #374151;
    --austin-text-muted: #6b7a8d;
    --austin-radius: 10px;
    --austin-radius-lg: 16px;
    --austin-shadow: 0 4px 24px rgba(20,35,60,0.08);
    --austin-shadow-lg: 0 8px 40px rgba(20,35,60,0.14);
    --austin-transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
}

/* ── Base ───────────────────────────────────────────────── */
*, *::before, *::after { box-sizing: border-box; }

.austin-theme body,
body {
    font-family: var(--austin-font);
    color: var(--austin-text);
    line-height: 1.7;
    background: var(--austin-white);
}

h1, h2, h3, h4, h5, h6 {
    font-family: var(--austin-heading-font);
    font-weight: 700;
    color: var(--austin-navy);
    line-height: 1.2;
}

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

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

/* ── Preloader ──────────────────────────────────────────── */
.austin-preloader {
    position: fixed; inset: 0; background: var(--austin-navy);
    display: flex; align-items: center; justify-content: center;
    z-index: 99999; transition: opacity 0.5s, visibility 0.5s;
}
.austin-preloader.loaded { opacity: 0; visibility: hidden; }
.austin-preloader__bar {
    width: 48px; height: 4px; background: hsl(var(--base));
    border-radius: 2px; animation: austin-pulse 1s ease-in-out infinite;
}
@keyframes austin-pulse {
    0%, 100% { transform: scaleX(0.3); opacity: 0.4; }
    50% { transform: scaleX(1); opacity: 1; }
}

/* ── Scroll Top ─────────────────────────────────────────── */
.austin-scroll-top {
    position: fixed; bottom: 24px; right: 24px; width: 44px; height: 44px;
    background: hsl(var(--base)); color: var(--austin-navy);
    border-radius: 50%; display: flex; align-items: center; justify-content: center;
    font-size: 18px; z-index: 999; opacity: 0; visibility: hidden;
    transition: var(--austin-transition); box-shadow: var(--austin-shadow);
}
.austin-scroll-top.visible { opacity: 1; visibility: visible; }
.austin-scroll-top:hover { background: var(--austin-navy); color: hsl(var(--base)); }

/* ── Buttons ────────────────────────────────────────────── */
.austin-btn {
    display: inline-flex; align-items: center; gap: 8px;
    padding: 10px 24px; border-radius: var(--austin-radius);
    font-family: var(--austin-font); font-size: 14px; font-weight: 600;
    cursor: pointer; transition: var(--austin-transition); border: 2px solid transparent;
    white-space: nowrap;
}
.austin-btn--primary {
    background: hsl(var(--base)); color: var(--austin-navy);
    border-color: hsl(var(--base));
}
.austin-btn--primary:hover {
    background: var(--austin-navy); color: hsl(var(--base));
    border-color: var(--austin-navy);
}
.austin-btn--outline {
    background: transparent; color: var(--austin-navy);
    border-color: var(--austin-navy);
}
.austin-btn--outline:hover {
    background: var(--austin-navy); color: var(--austin-white);
}
.austin-btn--ghost {
    background: rgba(255,255,255,0.1); color: var(--austin-white);
    border-color: rgba(255,255,255,0.3);
}
.austin-btn--ghost:hover {
    background: rgba(255,255,255,0.2); color: var(--austin-white);
    border-color: rgba(255,255,255,0.6);
}
.austin-btn--lg { padding: 14px 32px; font-size: 15px; border-radius: 12px; }
.austin-btn--sm { padding: 6px 16px; font-size: 13px; }

/* ── Section Helpers ────────────────────────────────────── */
.austin-section { padding: 80px 0; }
.austin-section--sm { padding: 48px 0; }
.austin-section--light { background: var(--austin-light); }
.austin-section--navy { background: var(--austin-navy); }

.austin-section-tag {
    display: inline-block; background: hsl(var(--base) / 0.12);
    color: hsl(var(--base)); font-size: 11px; font-weight: 700;
    padding: 5px 14px; border-radius: 100px; letter-spacing: 1.5px;
    text-transform: uppercase; margin-bottom: 14px;
}
.austin-section-title {
    font-size: 36px; font-weight: 800; color: var(--austin-navy);
    letter-spacing: -0.5px; margin-bottom: 12px; line-height: 1.15;
}
.austin-section-title span { color: hsl(var(--base)); }
.austin-section-sub {
    color: var(--austin-text-muted); font-size: 16px;
    max-width: 560px; line-height: 1.7;
}
.austin-section--navy .austin-section-title { color: var(--austin-white); }
.austin-section--navy .austin-section-sub { color: rgba(255,255,255,0.65); }

/* ── Header ─────────────────────────────────────────────── */
.austin-header { position: sticky; top: 0; z-index: 9999; }

.austin-header__topbar {
    background: var(--austin-navy); padding: 8px 0;
    font-size: 12px;
}
.austin-header__topbar-inner {
    display: flex; justify-content: space-between; align-items: center;
}
.austin-topbar-contact { list-style: none; margin: 0; padding: 0; display: flex; gap: 24px; }
.austin-topbar-contact li { display: flex; align-items: center; gap: 8px; color: rgba(255,255,255,0.7); }
.austin-topbar-contact li i { color: hsl(var(--base)); }
.austin-topbar-contact a { color: rgba(255,255,255,0.7); }
.austin-topbar-contact a:hover { color: hsl(var(--base)); }
.austin-topbar-right { list-style: none; margin: 0; padding: 0; display: flex; align-items: center; gap: 16px; }
.austin-topbar-right a { color: rgba(255,255,255,0.6); font-size: 14px; }
.austin-topbar-right a:hover { color: hsl(var(--base)); }

.austin-navbar {
    background: var(--austin-white); padding: 0;
    box-shadow: 0 2px 20px rgba(20,35,60,0.08);
    transition: var(--austin-transition);
}
.austin-navbar.scrolled { box-shadow: 0 4px 30px rgba(20,35,60,0.15); }
.austin-navbar__inner {
    display: flex; align-items: center; justify-content: space-between;
    height: 70px; gap: 32px;
}
.austin-navbar__brand { display: flex; align-items: center; flex-shrink: 0; }
.austin-logo { height: 40px; width: auto; }
.austin-logo--dark { display: block; }
.austin-logo--light { display: none; }

.austin-navbar__nav {
    list-style: none; margin: 0; padding: 0; display: flex;
    align-items: center; gap: 4px; flex: 1; justify-content: center;
}
.austin-nav__item { position: relative; }
.austin-nav__link {
    display: block; padding: 8px 14px; font-size: 14px; font-weight: 500;
    color: var(--austin-navy); border-radius: 8px; transition: var(--austin-transition);
}
.austin-nav__link:hover,
.austin-nav__link.active {
    color: hsl(var(--base)); background: hsl(var(--base) / 0.08);
}

.austin-navbar__actions { display: flex; align-items: center; gap: 10px; flex-shrink: 0; }

.austin-navbar__toggler {
    display: none; flex-direction: column; gap: 5px;
    background: none; border: none; cursor: pointer; padding: 4px;
}
.austin-navbar__toggler span {
    display: block; width: 24px; height: 2px; background: var(--austin-navy);
    border-radius: 2px; transition: var(--austin-transition);
}

/* Language switcher in header */
.austin-lang .language_switcher { position: relative; }
.austin-lang .language_switcher__caption {
    display: flex; align-items: center; gap: 6px; cursor: pointer;
    color: rgba(255,255,255,0.7); font-size: 13px;
}
.austin-lang .language_switcher__caption img { width: 18px; height: 13px; object-fit: cover; }
.austin-lang .language_switcher__list {
    display: none; position: absolute; top: 100%; right: 0; background: var(--austin-white);
    border-radius: 8px; box-shadow: var(--austin-shadow-lg); min-width: 140px;
    padding: 8px 0; z-index: 100;
}
.austin-lang .language_switcher.open .language_switcher__list { display: block; }
.austin-lang .language_switcher__item a {
    display: flex; align-items: center; gap: 8px; padding: 8px 16px;
    color: var(--austin-text); font-size: 13px;
}
.austin-lang .language_switcher__item a:hover { background: var(--austin-light); }

/* ── Breadcrumb ─────────────────────────────────────────── */
.austin-breadcrumb {
    background: var(--austin-navy); padding: 48px 0;
    position: relative; overflow: hidden;
}
.austin-breadcrumb::before {
    content: ''; position: absolute; inset: 0;
    background: linear-gradient(135deg, rgba(81,191,219,0.08) 0%, transparent 60%);
}
.austin-breadcrumb__title { color: var(--austin-white); font-size: 28px; margin-bottom: 8px; }
.austin-breadcrumb__nav { display: flex; align-items: center; gap: 8px; font-size: 13px; }
.austin-breadcrumb__nav a { color: hsl(var(--base)); }
.austin-breadcrumb__nav span { color: rgba(255,255,255,0.5); }

/* ── Hero ───────────────────────────────────────────────── */
.austin-hero {
    position: relative; background: var(--austin-navy);
    overflow: hidden; min-height: 700px;
    display: flex; flex-direction: column;
    padding-top: 60px;
}
.austin-hero__bg { position: absolute; inset: 0; }
.austin-hero__bg-img {
    width: 100%; height: 100%; object-fit: cover; object-position: center;
    opacity: 0.15;
}
.austin-hero__overlay {
    position: absolute; inset: 0;
    background: linear-gradient(135deg, rgba(20,35,60,0.92) 0%, rgba(20,35,60,0.75) 60%, rgba(20,35,60,0.5) 100%);
}
.austin-hero__container {
    position: relative; z-index: 1;
    flex: 1; display: flex; align-items: center; padding-top: 40px; padding-bottom: 40px;
}
.austin-hero__content { padding: 20px 0; }
.austin-hero__badge {
    display: inline-flex; align-items: center; gap: 8px;
    background: rgba(81,191,219,0.15); border: 1px solid rgba(81,191,219,0.3);
    color: hsl(var(--base)); font-size: 12px; font-weight: 600; padding: 6px 16px;
    border-radius: 100px; margin-bottom: 24px; letter-spacing: 0.5px;
}
.austin-hero__badge-dot {
    width: 7px; height: 7px; border-radius: 50%;
    background: hsl(var(--base)); animation: austin-blink 1.5s ease infinite;
}
@keyframes austin-blink { 0%, 100% { opacity: 1; } 50% { opacity: 0.3; } }

.austin-hero__title {
    font-size: 52px; font-weight: 800; color: var(--austin-white);
    letter-spacing: -2px; line-height: 1.1; margin-bottom: 20px;
}
.austin-hero__title span { color: hsl(var(--base)); }

.austin-hero__actions {
    display: flex; align-items: center; gap: 14px; flex-wrap: wrap; margin-bottom: 40px;
}
.austin-play-icon {
    width: 32px; height: 32px; border-radius: 50%;
    background: rgba(255,255,255,0.2); display: inline-flex;
    align-items: center; justify-content: center; font-size: 10px;
}

.austin-hero__stats {
    display: flex; align-items: center; gap: 28px;
    border-top: 1px solid rgba(255,255,255,0.1); padding-top: 28px;
}
.austin-hero__stat-num { font-size: 24px; font-weight: 800; color: var(--austin-white); line-height: 1; }
.austin-hero__stat-label { font-size: 12px; color: rgba(255,255,255,0.5); margin-top: 4px; }
.austin-hero__stat-divider { width: 1px; height: 40px; background: rgba(255,255,255,0.15); }

/* Hero visual / card mockup */
.austin-hero__visual { position: relative; padding: 20px 0 60px; }
.austin-card-mockup {
    background: linear-gradient(135deg, #1e3a5f 0%, #14233c 100%);
    border: 1px solid rgba(81,191,219,0.25);
    border-radius: 20px; padding: 28px; margin-bottom: 16px;
    box-shadow: 0 20px 60px rgba(0,0,0,0.3);
}
.austin-card-mockup__chip {
    width: 38px; height: 28px; background: hsl(var(--base));
    border-radius: 6px; margin-bottom: 28px;
}
.austin-card-mockup__number {
    font-size: 15px; letter-spacing: 4px; color: rgba(255,255,255,0.6);
    font-family: 'Courier New', monospace; margin-bottom: 20px;
}
.austin-card-mockup__row { display: flex; justify-content: space-between; align-items: flex-end; }
.austin-card-mockup__name { font-size: 14px; color: rgba(255,255,255,0.7); font-weight: 500; }
.austin-card-mockup__balance-label { font-size: 10px; color: rgba(255,255,255,0.4); text-align: right; }
.austin-card-mockup__balance-amount { font-size: 18px; font-weight: 700; color: hsl(var(--base)); }

.austin-hero__mini-cards { display: flex; gap: 12px; }
.austin-mini-card {
    flex: 1; background: var(--austin-white); border-radius: 14px;
    padding: 16px 14px; text-align: center;
    box-shadow: 0 8px 30px rgba(0,0,0,0.15);
}
.austin-mini-card__icon {
    width: 36px; height: 36px; border-radius: 8px;
    background: hsl(var(--base) / 0.12); color: hsl(var(--base));
    display: flex; align-items: center; justify-content: center;
    font-size: 16px; margin: 0 auto 8px;
}
.austin-mini-card__label { font-size: 10px; color: var(--austin-text-muted); margin-bottom: 4px; }
.austin-mini-card__value { font-size: 13px; font-weight: 700; color: var(--austin-navy); }

/* Trust strip */
.austin-hero__trust {
    position: relative; z-index: 1;
    background: rgba(255,255,255,0.06);
    border-top: 1px solid rgba(255,255,255,0.08);
    padding: 20px 0;
}
.austin-hero__trust-inner {
    display: flex; align-items: center; justify-content: space-around;
    flex-wrap: wrap; gap: 16px;
}
.austin-trust-item {
    display: flex; align-items: center; gap: 12px; padding: 10px 20px;
}
.austin-trust-item > i {
    font-size: 24px; color: hsl(var(--base)); flex-shrink: 0;
}
.austin-trust-item__title { font-size: 13px; font-weight: 600; color: var(--austin-white); line-height: 1.2; }
.austin-trust-item__sub { font-size: 11px; color: rgba(255,255,255,0.5); }

/* ── Service Cards ──────────────────────────────────────── */
.austin-services-grid {
    display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
    gap: 20px; margin-top: 48px;
}
.austin-service-card {
    background: var(--austin-white); border: 1px solid var(--austin-border);
    border-radius: var(--austin-radius-lg); padding: 28px 24px;
    transition: var(--austin-transition); cursor: pointer;
}
.austin-service-card:hover {
    border-color: hsl(var(--base)); box-shadow: var(--austin-shadow);
    transform: translateY(-4px);
}
.austin-service-card__icon {
    width: 48px; height: 48px; border-radius: 12px;
    background: hsl(var(--base) / 0.1); color: hsl(var(--base));
    display: flex; align-items: center; justify-content: center;
    font-size: 20px; margin-bottom: 16px;
    transition: var(--austin-transition);
}
.austin-service-card:hover .austin-service-card__icon {
    background: hsl(var(--base)); color: var(--austin-navy);
}
.austin-service-card__title { font-size: 15px; font-weight: 600; color: var(--austin-navy); margin-bottom: 8px; }
.austin-service-card__desc { font-size: 13px; color: var(--austin-text-muted); line-height: 1.6; }

/* ── Why NORTAF cards ───────────────────────────────────── */
.austin-why-grid {
    display: grid; grid-template-columns: repeat(3, 1fr);
    gap: 24px; margin-top: 48px;
}
.austin-why-card {
    background: var(--austin-light); border-radius: var(--austin-radius-lg);
    padding: 32px 28px; position: relative; overflow: hidden;
    transition: var(--austin-transition);
}
.austin-why-card:hover { background: var(--austin-white); box-shadow: var(--austin-shadow); }
.austin-why-card__num {
    font-size: 48px; font-weight: 800; color: hsl(var(--base));
    opacity: 0.2; line-height: 1; margin-bottom: 16px;
    font-family: var(--austin-heading-font);
}
.austin-why-card__title { font-size: 16px; font-weight: 700; color: var(--austin-navy); margin-bottom: 10px; }
.austin-why-card__desc { font-size: 13px; color: var(--austin-text-muted); line-height: 1.7; }

/* ── Payroll preview section ────────────────────────────── */
.austin-payroll-visual {
    background: var(--austin-white); border: 1px solid var(--austin-border);
    border-radius: var(--austin-radius-lg); padding: 28px;
    box-shadow: var(--austin-shadow);
}
.austin-payroll__header {
    display: flex; justify-content: space-between; align-items: center;
    margin-bottom: 20px; padding-bottom: 16px;
    border-bottom: 1px solid var(--austin-border);
}
.austin-payroll__title { font-size: 14px; font-weight: 600; color: var(--austin-navy); }
.austin-payroll__badge {
    background: hsl(var(--base) / 0.12); color: hsl(var(--base));
    font-size: 11px; font-weight: 600; padding: 4px 12px; border-radius: 100px;
}
.austin-payroll-row {
    display: flex; justify-content: space-between; align-items: center;
    padding: 12px 0; border-bottom: 1px solid var(--austin-border);
}
.austin-payroll-row:last-of-type { border-bottom: none; }
.austin-emp { display: flex; align-items: center; gap: 12px; }
.austin-emp__avatar {
    width: 34px; height: 34px; border-radius: 50%;
    background: var(--austin-navy); color: hsl(var(--base));
    font-size: 11px; font-weight: 700;
    display: flex; align-items: center; justify-content: center;
}
.austin-emp__name { font-size: 13px; font-weight: 600; color: var(--austin-navy); }
.austin-emp__dept { font-size: 11px; color: var(--austin-text-muted); }
.austin-emp__amount { font-size: 13px; font-weight: 600; color: var(--austin-navy); }
.austin-emp__status {
    font-size: 11px; background: #e8f9ee; color: #2d9e5a;
    padding: 3px 10px; border-radius: 100px; display: block; margin-top: 2px; text-align: right;
}
.austin-payroll__footer {
    display: flex; justify-content: space-between; align-items: center;
    margin-top: 16px; padding-top: 16px; border-top: 1px solid var(--austin-border);
}
.austin-payroll__footer-note { font-size: 12px; color: var(--austin-text-muted); }
.austin-payroll__total { font-size: 15px; font-weight: 700; color: var(--austin-navy); }

/* ── CTA Section ────────────────────────────────────────── */
.austin-cta {
    background: var(--austin-navy); padding: 80px 0;
    position: relative; overflow: hidden;
}
.austin-cta::before {
    content: ''; position: absolute; top: -50%; right: -10%;
    width: 500px; height: 500px; border-radius: 50%;
    background: hsl(var(--base) / 0.05);
}
.austin-cta__title { font-size: 38px; font-weight: 800; color: var(--austin-white); letter-spacing: -1px; }
.austin-cta__title span { color: hsl(var(--base)); }
.austin-cta__sub { color: rgba(255,255,255,0.6); font-size: 16px; margin-top: 12px; margin-bottom: 32px; }
.austin-cta__actions { display: flex; gap: 14px; flex-wrap: wrap; }

/* ── Feature cards ──────────────────────────────────────── */
.austin-feature-card {
    background: var(--austin-white); border: 1px solid var(--austin-border);
    border-radius: var(--austin-radius-lg); padding: 32px 28px;
    transition: var(--austin-transition); text-align: center;
}
.austin-feature-card:hover { border-color: hsl(var(--base)); box-shadow: var(--austin-shadow); transform: translateY(-4px); }
.austin-feature-card__icon {
    width: 56px; height: 56px; border-radius: 14px;
    background: hsl(var(--base) / 0.1); color: hsl(var(--base));
    display: flex; align-items: center; justify-content: center;
    font-size: 22px; margin: 0 auto 18px; transition: var(--austin-transition);
}
.austin-feature-card:hover .austin-feature-card__icon { background: hsl(var(--base)); color: var(--austin-navy); }
.austin-feature-card__title { font-size: 15px; font-weight: 600; color: var(--austin-navy); margin-bottom: 10px; }
.austin-feature-card__desc { font-size: 13px; color: var(--austin-text-muted); line-height: 1.7; }

/* ── Counter section ────────────────────────────────────── */
.austin-counter {
    background: var(--austin-navy); padding: 64px 0;
    position: relative; overflow: hidden;
}
.austin-counter__bg {
    position: absolute; inset: 0; opacity: 0.1;
    object-fit: cover; width: 100%; height: 100%;
}
.austin-counter-item { text-align: center; position: relative; z-index: 1; }
.austin-counter-item__num { font-size: 44px; font-weight: 800; color: hsl(var(--base)); line-height: 1; margin-bottom: 8px; }
.austin-counter-item__title { font-size: 14px; color: rgba(255,255,255,0.7); font-weight: 500; }

/* ── Testimonials ───────────────────────────────────────── */
.austin-testimonial-card {
    background: var(--austin-white); border: 1px solid var(--austin-border);
    border-radius: var(--austin-radius-lg); padding: 32px 28px;
    transition: var(--austin-transition);
}
.austin-testimonial-card:hover { box-shadow: var(--austin-shadow); border-color: hsl(var(--base) / 0.3); }
.austin-testimonial__quote { font-size: 14px; color: var(--austin-text); line-height: 1.8; margin-bottom: 24px; font-style: italic; }
.austin-testimonial__quote::before { content: '"'; font-size: 48px; color: hsl(var(--base)); line-height: 0; vertical-align: -0.4em; margin-right: 4px; }
.austin-testimonial__author { display: flex; align-items: center; gap: 14px; }
.austin-testimonial__avatar { width: 46px; height: 46px; border-radius: 50%; object-fit: cover; }
.austin-testimonial__name { font-size: 14px; font-weight: 600; color: var(--austin-navy); }
.austin-testimonial__role { font-size: 12px; color: var(--austin-text-muted); }
.austin-stars { color: #f59e0b; font-size: 12px; margin-bottom: 4px; }

/* ── FAQ ────────────────────────────────────────────────── */
.austin-faq-item {
    border-bottom: 1px solid var(--austin-border); padding: 20px 0;
}
.austin-faq-item__q {
    display: flex; justify-content: space-between; align-items: center;
    cursor: pointer; font-size: 15px; font-weight: 600; color: var(--austin-navy);
    gap: 16px;
}
.austin-faq-item__q i { color: hsl(var(--base)); transition: var(--austin-transition); flex-shrink: 0; }
.austin-faq-item.open .austin-faq-item__q i { transform: rotate(180deg); }
.austin-faq-item__a { font-size: 14px; color: var(--austin-text-muted); line-height: 1.8; padding-top: 12px; display: none; }
.austin-faq-item.open .austin-faq-item__a { display: block; }

/* ── Subscribe ──────────────────────────────────────────── */
.austin-subscribe {
    background: hsl(var(--base)); padding: 48px 0;
}
.austin-subscribe__title { font-size: 24px; font-weight: 700; color: var(--austin-navy); }
.austin-subscribe__form {
    display: flex; gap: 10px; max-width: 480px;
}
.austin-subscribe__input {
    flex: 1; padding: 12px 20px; border-radius: 10px;
    border: none; font-size: 14px; outline: none;
    background: rgba(255,255,255,0.9);
}
.austin-subscribe__btn {
    padding: 12px 24px; background: var(--austin-navy); color: var(--austin-white);
    border: none; border-radius: 10px; font-weight: 600; cursor: pointer;
    font-size: 14px; transition: var(--austin-transition); white-space: nowrap;
}
.austin-subscribe__btn:hover { background: #0e1a2d; }

/* ── Footer ─────────────────────────────────────────────── */
.austin-footer { background: var(--austin-navy); color: rgba(255,255,255,0.7); }
.austin-footer__main { padding: 72px 0 48px; }
.austin-footer__logo { height: 40px; width: auto; }
.austin-footer__desc { font-size: 14px; line-height: 1.8; max-width: 280px; margin-top: 16px; }
.austin-footer__social { list-style: none; margin: 20px 0 0; padding: 0; display: flex; gap: 10px; }
.austin-social-link {
    width: 36px; height: 36px; border-radius: 8px;
    background: rgba(255,255,255,0.08); border: 1px solid rgba(255,255,255,0.1);
    display: flex; align-items: center; justify-content: center;
    color: rgba(255,255,255,0.7); font-size: 14px; transition: var(--austin-transition);
}
.austin-social-link:hover { background: hsl(var(--base)); color: var(--austin-navy); border-color: hsl(var(--base)); }

.austin-footer__badge {
    display: inline-flex; align-items: center; gap: 8px;
    background: rgba(81,191,219,0.1); border: 1px solid rgba(81,191,219,0.2);
    color: hsl(var(--base)); font-size: 12px; font-weight: 600;
    padding: 6px 14px; border-radius: 100px;
}
.austin-footer__widget-title {
    font-size: 14px; font-weight: 700; color: var(--austin-white);
    margin-bottom: 20px; padding-bottom: 12px;
    border-bottom: 1px solid rgba(255,255,255,0.08);
}
.austin-footer__menu { list-style: none; margin: 0; padding: 0; }
.austin-footer__menu li { margin-bottom: 10px; }
.austin-footer__menu a { font-size: 13px; color: rgba(255,255,255,0.6); transition: var(--austin-transition); }
.austin-footer__menu a:hover { color: hsl(var(--base)); padding-left: 6px; }
.austin-footer__contact { list-style: none; margin: 0; padding: 0; }
.austin-footer__contact li { display: flex; gap: 12px; margin-bottom: 14px; font-size: 13px; }
.austin-footer__contact-icon { color: hsl(var(--base)); flex-shrink: 0; margin-top: 2px; }
.austin-footer__contact a { color: rgba(255,255,255,0.6); transition: var(--austin-transition); }
.austin-footer__contact a:hover { color: hsl(var(--base)); }

.austin-footer__bottom {
    background: rgba(0,0,0,0.2); border-top: 1px solid rgba(255,255,255,0.06); padding: 20px 0;
}
.austin-footer__bottom-inner {
    display: flex; justify-content: space-between; align-items: center;
    flex-wrap: wrap; gap: 12px; font-size: 13px;
}
.austin-footer__bottom-links { list-style: none; margin: 0; padding: 0; display: flex; gap: 20px; }
.austin-footer__bottom-links a { color: rgba(255,255,255,0.5); transition: var(--austin-transition); }
.austin-footer__bottom-links a:hover { color: hsl(var(--base)); }

/* ── Partners ───────────────────────────────────────────── */
.austin-partner-img {
    filter: grayscale(100%) opacity(0.5);
    transition: var(--austin-transition);
    max-height: 50px; width: auto; margin: 0 auto;
}
.austin-partner-img:hover { filter: grayscale(0%) opacity(1); }

/* ── About ──────────────────────────────────────────────── */
.austin-about__img-wrap { position: relative; }
.austin-about__img { border-radius: var(--austin-radius-lg); width: 100%; object-fit: cover; }
.austin-about__badge {
    position: absolute; bottom: -20px; right: 20px;
    background: hsl(var(--base)); color: var(--austin-navy);
    border-radius: var(--austin-radius-lg); padding: 20px 24px;
    text-align: center; box-shadow: var(--austin-shadow-lg);
}
.austin-about__badge-num { font-size: 32px; font-weight: 800; line-height: 1; }
.austin-about__badge-text { font-size: 12px; font-weight: 600; }
.austin-about-list { list-style: none; margin: 24px 0; padding: 0; }
.austin-about-list li { display: flex; align-items: flex-start; gap: 12px; margin-bottom: 14px; font-size: 14px; }
.austin-about-list__icon { color: hsl(var(--base)); font-size: 16px; margin-top: 2px; flex-shrink: 0; }

/* ── How it works ───────────────────────────────────────── */
.austin-step { text-align: center; padding: 0 16px; }
.austin-step__num {
    width: 56px; height: 56px; border-radius: 14px;
    background: hsl(var(--base) / 0.1); color: hsl(var(--base));
    font-size: 20px; font-weight: 800; display: flex; align-items: center;
    justify-content: center; margin: 0 auto 20px;
    transition: var(--austin-transition);
}
.austin-step:hover .austin-step__num { background: hsl(var(--base)); color: var(--austin-navy); }
.austin-step__title { font-size: 15px; font-weight: 600; color: var(--austin-navy); margin-bottom: 8px; }
.austin-step__desc { font-size: 13px; color: var(--austin-text-muted); line-height: 1.7; }

/* ── Loan / FDR / DPS plan cards ───────────────────────── */
.austin-plan-card {
    background: var(--austin-white); border: 2px solid var(--austin-border);
    border-radius: var(--austin-radius-lg); padding: 32px 28px;
    transition: var(--austin-transition); text-align: center;
}
.austin-plan-card:hover, .austin-plan-card.featured {
    border-color: hsl(var(--base)); box-shadow: var(--austin-shadow);
}
.austin-plan-card.featured { background: var(--austin-navy); }
.austin-plan-card.featured .austin-plan-card__name,
.austin-plan-card.featured .austin-plan-card__rate,
.austin-plan-card.featured .austin-plan-card__meta { color: var(--austin-white); }

/* ── Mobile menu ────────────────────────────────────────── */
@media (max-width: 991px) {
    .austin-navbar__toggler { display: flex; }
    .austin-navbar__collapse {
        display: none; position: absolute; top: 70px; left: 0; right: 0;
        background: var(--austin-white); box-shadow: 0 8px 30px rgba(0,0,0,0.15);
        padding: 20px; z-index: 999;
    }
    .austin-navbar__collapse.open { display: block; }
    .austin-navbar__nav { flex-direction: column; align-items: flex-start; gap: 4px; margin-bottom: 16px; }
    .austin-nav__link { padding: 12px 16px; width: 100%; }
    .austin-navbar__actions { flex-direction: column; width: 100%; }
    .austin-btn { width: 100%; justify-content: center; }
    .austin-navbar { position: relative; }
}

/* ── Responsive adjustments ─────────────────────────────── */
@media (max-width: 1199px) {
    .austin-hero__title { font-size: 42px; }
    .austin-section-title { font-size: 30px; }
    .austin-why-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 767px) {
    .austin-hero { min-height: auto; }
    .austin-hero__title { font-size: 32px; letter-spacing: -1px; }
    .austin-hero__stats { flex-wrap: wrap; gap: 16px; }
    .austin-hero__trust-inner { justify-content: flex-start; }
    .austin-section { padding: 56px 0; }
    .austin-section-title { font-size: 26px; }
    .austin-services-grid { grid-template-columns: repeat(2, 1fr); }
    .austin-why-grid { grid-template-columns: 1fr; }
    .austin-cta__title { font-size: 28px; }
    .austin-footer__bottom-inner { flex-direction: column; text-align: center; }
    .austin-subscribe__form { flex-direction: column; }
}
@media (max-width: 480px) {
    .austin-services-grid { grid-template-columns: 1fr; }
    .austin-hero__actions { flex-direction: column; align-items: flex-start; }
    .austin-hero__mini-cards { flex-wrap: wrap; }
    .austin-mini-card { min-width: 45%; }
}

/* ── Mobile language dropdown fix ────────────────────────────────────── */
@media (max-width: 991px) {
    .d-lg-none .language_switcher { position: relative !important; }
    .d-lg-none .language_switcher__list {
        display: none;
        position: static !important;
        width: 100% !important;
        min-width: 160px !important;
        box-shadow: none !important;
        border: 1px solid var(--austin-border) !important;
        border-radius: 8px !important;
        margin-top: 4px !important;
        background: #fff !important;
        overflow: visible !important;
        height: auto !important;
        max-height: none !important;
    }
    .d-lg-none .language_switcher.open .language_switcher__list {
        display: block !important;
    }
    .d-lg-none .language_switcher__item a {
        display: flex !important;
        flex-direction: row !important;
        align-items: center !important;
        gap: 10px !important;
        padding: 10px 16px !important;
        white-space: nowrap !important;
        color: #14233c !important;
        font-size: 14px !important;
        width: 100% !important;
    }
    .d-lg-none .language_switcher__item img {
        width: 22px !important;
        height: 16px !important;
        object-fit: cover !important;
        flex-shrink: 0 !important;
    }
}