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

/* ===== ROOT VARIABLES ===== */
:root {
  --primary: #0a2540;
  --primary-light: #1a3a5c;
  --accent: #c9a84c;
  --accent-light: #e8c97a;
  --white: #ffffff;
  --light-bg: #f5f7fa;
  --text-dark: #1a1a2e;
  --text-mid: #4a5568;
  --text-light: #718096;
  --border: #e2e8f0;
  --shadow-sm: 0 2px 8px rgba(10,37,64,0.08);
  --shadow-md: 0 10px 34px rgba(10,37,64,0.12);
  --shadow-lg: 0 26px 70px rgba(10,37,64,0.20);
  --radius: 12px;
  --radius-lg: 20px;
  --transition: all 0.3s cubic-bezier(0.22, 1, 0.36, 1);
  /* advanced design tokens */
  --font-head: 'Plus Jakarta Sans', 'Segoe UI', system-ui, sans-serif;
  --font-body: 'Inter', 'Segoe UI', system-ui, -apple-system, sans-serif;
  --ease: cubic-bezier(0.22, 1, 0.36, 1);
  --accent-grad: linear-gradient(135deg, var(--accent), var(--accent-light));
  --primary-grad: linear-gradient(135deg, var(--primary), var(--primary-light));
  --glow-accent: 0 8px 30px rgba(201,168,76,0.35);
  --glass: rgba(10,37,64,0.72);
  --glass-border: rgba(255,255,255,0.10);
}

/* ===== RESET & BASE ===== */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: var(--font-body);
  color: var(--text-dark);
  background: var(--white);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  text-rendering: optimizeLegibility;
}
img { max-width: 100%; display: block; }
a { text-decoration: none; color: inherit; }
ul { list-style: none; }

/* ===== TYPOGRAPHY ===== */
h1, h2, h3, h4, h5 { font-family: var(--font-head); }
h1 { font-size: clamp(2rem, 5vw, 3.6rem); font-weight: 800; line-height: 1.12; letter-spacing: -0.02em; }
h2 { font-size: clamp(1.6rem, 3.5vw, 2.5rem); font-weight: 700; line-height: 1.22; letter-spacing: -0.015em; }
h3 { font-size: clamp(1.2rem, 2.5vw, 1.6rem); font-weight: 600; letter-spacing: -0.01em; }
h4 { font-size: 1.1rem; font-weight: 600; }
p { color: var(--text-mid); line-height: 1.8; }

/* ===== UTILITY ===== */
.container { max-width: 1160px; margin: 0 auto; padding: 0 24px; }
.section { padding: 90px 0; }
.section-sm { padding: 60px 0; }
.text-center { text-align: center; }
.text-accent { color: var(--accent); }
.text-white { color: var(--white); }

.section-label {
  display: inline-block;
  background: rgba(201,168,76,0.15);
  color: var(--accent);
  font-size: 0.8rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  padding: 6px 16px;
  border-radius: 50px;
  margin-bottom: 16px;
}
.section-label.light {
  background: rgba(255,255,255,0.15);
  color: rgba(255,255,255,0.9);
}

.divider {
  width: 60px; height: 4px;
  background: linear-gradient(90deg, var(--accent), var(--accent-light));
  border-radius: 4px;
  margin: 20px auto 0;
}
.divider.left { margin-left: 0; }

/* ===== BUTTONS ===== */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 32px;
  border-radius: 50px;
  font-size: 0.95rem;
  font-weight: 600;
  cursor: pointer;
  border: none;
  transition: var(--transition);
  white-space: nowrap;
}
.btn-primary {
  background: linear-gradient(135deg, var(--accent), var(--accent-light));
  color: var(--primary);
}
.btn-primary:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(201,168,76,0.4);
}
.btn-outline {
  background: transparent;
  color: var(--white);
  border: 2px solid rgba(255,255,255,0.5);
}
.btn-outline:hover {
  background: rgba(255,255,255,0.1);
  border-color: var(--white);
}
.btn-dark {
  background: var(--primary);
  color: var(--white);
}
.btn-dark:hover {
  background: var(--primary-light);
  transform: translateY(-2px);
  box-shadow: var(--shadow-md);
}

/* ===== NAVBAR ===== */
.navbar {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  padding: 16px 0;
  transition: var(--transition);
}
.navbar.scrolled {
  background: var(--primary);
  padding: 12px 0;
  box-shadow: var(--shadow-md);
}
.navbar .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
}
.nav-logo {
  display: flex;
  align-items: center;
}
.nav-logo-img {
  height: 52px;
  width: auto;
  max-width: 200px;
  object-fit: contain;
  border-radius: 6px;
  background: var(--white);
  padding: 3px 8px;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 8px;
}
.nav-links a {
  color: rgba(255,255,255,0.85);
  font-size: 0.9rem;
  font-weight: 500;
  padding: 8px 16px;
  border-radius: 8px;
  transition: var(--transition);
}
.nav-links a:hover,
.nav-links a.active {
  color: var(--white);
  background: rgba(255,255,255,0.1);
}
.nav-cta { margin-left: 8px; }
.nav-cta .btn { padding: 10px 24px; font-size: 0.88rem; }

.nav-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  padding: 4px;
}
.nav-toggle span {
  display: block;
  width: 24px; height: 2px;
  background: var(--white);
  border-radius: 2px;
  transition: var(--transition);
}
.nav-close-btn { display: none; }

/* ===== HERO ===== */
.hero {
  min-height: 100vh;
  background: linear-gradient(135deg, var(--primary) 0%, #0d3a6e 50%, #1a3a5c 100%);
  position: relative;
  display: flex;
  align-items: center;
  overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse 80% 60% at 70% 40%, rgba(201,168,76,0.08) 0%, transparent 60%),
    radial-gradient(ellipse 40% 40% at 20% 80%, rgba(255,255,255,0.03) 0%, transparent 50%);
}
.hero-grid {
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,0.03) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.03) 1px, transparent 1px);
  background-size: 60px 60px;
}
.hero .container {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
  padding-top: 100px;
}
.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(201,168,76,0.15);
  border: 1px solid rgba(201,168,76,0.3);
  color: var(--accent-light);
  font-size: 0.82rem;
  font-weight: 600;
  padding: 8px 18px;
  border-radius: 50px;
  margin-bottom: 24px;
}
.hero-badge::before {
  content: '';
  width: 8px; height: 8px;
  background: var(--accent);
  border-radius: 50%;
  animation: pulse 2s infinite;
}
@keyframes pulse {
  0%, 100% { opacity: 1; transform: scale(1); }
  50% { opacity: 0.5; transform: scale(1.5); }
}
.hero-title { color: var(--white); margin-bottom: 20px; }
.hero-title em { color: var(--accent-light); font-style: normal; }
.hero-desc {
  color: rgba(255,255,255,0.75);
  font-size: 1.05rem;
  margin-bottom: 36px;
  max-width: 480px;
}
.hero-actions { display: flex; gap: 16px; flex-wrap: wrap; margin-bottom: 48px; }
.hero-stats {
  display: flex;
  gap: 32px;
  padding-top: 32px;
  border-top: 1px solid rgba(255,255,255,0.1);
}
.stat-item { text-align: center; }
.stat-num {
  display: block;
  font-size: 1.8rem;
  font-weight: 800;
  color: var(--accent-light);
  line-height: 1;
}
.stat-label {
  font-size: 0.78rem;
  color: rgba(255,255,255,0.6);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin-top: 4px;
}

.hero-visual {
  display: flex;
  justify-content: center;
  align-items: center;
}
.hero-card-stack { position: relative; width: 360px; height: 400px; }
.hero-card {
  position: absolute;
  background: rgba(255,255,255,0.07);
  border: 1px solid rgba(255,255,255,0.12);
  backdrop-filter: blur(20px);
  border-radius: var(--radius-lg);
  padding: 28px;
  color: var(--white);
}
.hero-card-main {
  width: 300px;
  top: 40px; left: 30px;
  z-index: 2;
}
.hero-card-back {
  width: 280px;
  top: 10px; left: 50px;
  z-index: 1;
  opacity: 0.5;
  transform: rotate(4deg);
}
.card-icon {
  width: 48px; height: 48px;
  background: linear-gradient(135deg, var(--accent), var(--accent-light));
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.4rem;
  margin-bottom: 16px;
}
.card-title { font-size: 1rem; font-weight: 700; margin-bottom: 4px; }
.card-sub { font-size: 0.78rem; opacity: 0.65; margin-bottom: 20px; }
.card-rate { font-size: 2.2rem; font-weight: 800; color: var(--accent-light); }
.card-rate-label { font-size: 0.75rem; opacity: 0.65; margin-top: 4px; }
.floating-badge {
  position: absolute;
  background: var(--white);
  border-radius: 50px;
  padding: 10px 16px;
  display: flex;
  align-items: center;
  gap: 8px;
  box-shadow: var(--shadow-lg);
  z-index: 3;
}
.floating-badge.badge-1 { bottom: 60px; right: 0; }
.floating-badge.badge-2 { top: 10px; right: 10px; }
.badge-icon { font-size: 1.2rem; }
.badge-text strong { display: block; font-size: 0.82rem; color: var(--text-dark); }
.badge-text span { font-size: 0.72rem; color: var(--text-light); }

/* ===== SERVICES STRIP ===== */
.services-strip { background: var(--primary); padding: 24px 0; }
.services-strip .container { display: flex; gap: 0; overflow-x: auto; }
.strip-item {
  flex: 1;
  min-width: 160px;
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 12px 24px;
  border-right: 1px solid rgba(255,255,255,0.1);
  color: rgba(255,255,255,0.8);
  font-size: 0.88rem;
  font-weight: 500;
  white-space: nowrap;
}
.strip-item:last-child { border-right: none; }
.strip-item-icon { font-size: 1.4rem; }

/* ===== ABOUT SECTION (homepage) ===== */
.about-home .container {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
}
.about-visual { position: relative; }
.about-img-wrap {
  width: 100%;
  aspect-ratio: 4/5;
  background: linear-gradient(135deg, var(--primary), var(--primary-light));
  border-radius: var(--radius-lg);
  overflow: hidden;
  position: relative;
}
.about-img-placeholder {
  width: 100%;
  height: 100%;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 16px;
  color: rgba(255,255,255,0.4);
}
.about-img-placeholder .icon { font-size: 5rem; }
.about-img-placeholder p { font-size: 0.9rem; }
.about-exp-badge {
  position: absolute;
  bottom: -20px;
  right: -20px;
  background: var(--accent);
  color: var(--primary);
  border-radius: var(--radius);
  padding: 20px 24px;
  text-align: center;
  box-shadow: var(--shadow-md);
}
.exp-years { font-size: 2.4rem; font-weight: 900; line-height: 1; display: block; }
.exp-label { font-size: 0.78rem; font-weight: 600; text-transform: uppercase; letter-spacing: 0.08em; }

.about-content { padding-left: 20px; }
.about-content h2 { margin-bottom: 16px; }
.about-content > p { margin-bottom: 32px; font-size: 1.02rem; }
.about-features { display: flex; flex-direction: column; gap: 16px; margin-bottom: 36px; }
.feature-item {
  display: flex;
  align-items: flex-start;
  gap: 16px;
  padding: 16px;
  background: var(--light-bg);
  border-radius: var(--radius);
  transition: var(--transition);
}
.feature-item:hover {
  background: var(--primary);
  color: var(--white);
  transform: translateX(8px);
}
.feature-item:hover p { color: rgba(255,255,255,0.7); }
.feature-icon {
  width: 44px; height: 44px;
  background: linear-gradient(135deg, var(--accent), var(--accent-light));
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.2rem;
  flex-shrink: 0;
}
.feature-text h4 { margin-bottom: 2px; font-size: 0.95rem; }
.feature-text p { font-size: 0.84rem; }

/* ===== SERVICES GRID ===== */
.services-section { background: var(--light-bg); }
.services-header { text-align: center; margin-bottom: 56px; }
.services-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.service-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 36px 28px;
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--border);
  transition: var(--transition);
  position: relative;
  overflow: hidden;
}
.service-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 4px;
  background: linear-gradient(90deg, var(--primary), var(--accent));
  transform: scaleX(0);
  transition: var(--transition);
  transform-origin: left;
}
.service-card:hover { transform: translateY(-8px); box-shadow: var(--shadow-lg); }
.service-card:hover::before { transform: scaleX(1); }
.service-card-icon {
  width: 64px; height: 64px;
  background: linear-gradient(135deg, rgba(10,37,64,0.08), rgba(10,37,64,0.12));
  border-radius: 16px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.8rem;
  margin-bottom: 24px;
  transition: var(--transition);
}
.service-card:hover .service-card-icon {
  background: linear-gradient(135deg, var(--primary), var(--primary-light));
}
.service-card h3 { margin-bottom: 12px; font-size: 1.15rem; }
.service-card p { font-size: 0.88rem; margin-bottom: 20px; }
.service-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  color: var(--primary);
  font-size: 0.88rem;
  font-weight: 600;
  transition: var(--transition);
}
.service-link:hover { color: var(--accent); gap: 10px; }

/* ===== WHY CHOOSE US ===== */
.why-section {
  background: linear-gradient(135deg, var(--primary) 0%, #0d3a6e 100%);
  position: relative;
  overflow: hidden;
}
.why-section::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse 60% 80% at 80% 50%, rgba(201,168,76,0.06) 0%, transparent 60%);
}
.why-section .container { position: relative; z-index: 1; }
.why-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
}
.why-content h2 { color: var(--white); margin-bottom: 16px; }
.why-content > p { color: rgba(255,255,255,0.7); margin-bottom: 40px; font-size: 1rem; }
.why-list { display: flex; flex-direction: column; gap: 20px; }
.why-item {
  display: flex;
  align-items: center;
  gap: 16px;
  color: var(--white);
}
.why-check {
  width: 36px; height: 36px;
  background: rgba(201,168,76,0.2);
  border: 1px solid rgba(201,168,76,0.4);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.9rem;
  flex-shrink: 0;
  color: var(--accent-light);
}
.why-item-text h4 { font-size: 0.95rem; margin-bottom: 2px; }
.why-item-text p { font-size: 0.82rem; color: rgba(255,255,255,0.6); }

.why-stats-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
}
.stat-card {
  background: rgba(255,255,255,0.07);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: var(--radius-lg);
  padding: 32px 24px;
  text-align: center;
  transition: var(--transition);
}
.stat-card:hover { background: rgba(255,255,255,0.12); }
.stat-card-num {
  font-size: 2.8rem;
  font-weight: 900;
  color: var(--accent-light);
  line-height: 1;
  margin-bottom: 8px;
}
.stat-card-label { font-size: 0.82rem; color: rgba(255,255,255,0.65); }

/* ===== CTA SECTION ===== */
.cta-section { background: var(--accent); padding: 80px 0; }
.cta-section .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 40px;
}
.cta-text h2 { color: var(--primary); margin-bottom: 8px; }
.cta-text p { color: rgba(10,37,64,0.75); font-size: 1rem; }
.cta-actions { display: flex; gap: 16px; flex-shrink: 0; }

/* ===== PAGE HERO ===== */
.page-hero {
  background: linear-gradient(135deg, var(--primary) 0%, #0d3a6e 100%);
  padding: 140px 0 80px;
  position: relative;
  overflow: hidden;
}
.page-hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse 50% 80% at 80% 50%, rgba(201,168,76,0.07) 0%, transparent 60%),
    linear-gradient(rgba(255,255,255,0.02) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,0.02) 1px, transparent 1px);
  background-size: auto, 60px 60px, 60px 60px;
}
.page-hero .container { position: relative; z-index: 1; }
.page-hero-content { max-width: 640px; }
.page-hero h1 { color: var(--white); margin-bottom: 16px; }
.page-hero p { color: rgba(255,255,255,0.75); font-size: 1.05rem; max-width: 540px; }
.breadcrumb {
  display: flex;
  align-items: center;
  gap: 8px;
  margin-bottom: 20px;
  font-size: 0.84rem;
}
.breadcrumb a { color: rgba(255,255,255,0.6); transition: var(--transition); }
.breadcrumb a:hover { color: var(--accent-light); }
.breadcrumb span { color: var(--accent-light); }
.breadcrumb .sep { color: rgba(255,255,255,0.3); }

/* ===== ABOUT PAGE ===== */
.about-story .container {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
}
.profile-visual { position: relative; }
.profile-card {
  background: linear-gradient(135deg, var(--primary), var(--primary-light));
  border-radius: var(--radius-lg);
  padding: 48px 36px;
  text-align: center;
  color: var(--white);
  position: relative;
  overflow: hidden;
}
.profile-card::before {
  content: '';
  position: absolute;
  top: -50%;
  right: -50%;
  width: 200%;
  height: 200%;
  background: radial-gradient(circle, rgba(201,168,76,0.06) 0%, transparent 60%);
}
.profile-avatar {
  width: 100px; height: 100px;
  background: linear-gradient(135deg, var(--accent), var(--accent-light));
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 2.5rem;
  margin: 0 auto 20px;
  position: relative;
  z-index: 1;
}
.profile-name { font-size: 1.5rem; font-weight: 700; margin-bottom: 4px; }
.profile-role { color: var(--accent-light); font-size: 0.9rem; margin-bottom: 24px; }
.profile-exp-row {
  display: flex;
  justify-content: center;
  gap: 32px;
  padding-top: 24px;
  border-top: 1px solid rgba(255,255,255,0.15);
  position: relative; z-index: 1;
}
.exp-item { text-align: center; }
.exp-item strong { display: block; font-size: 1.6rem; font-weight: 800; color: var(--accent-light); }
.exp-item span { font-size: 0.75rem; color: rgba(255,255,255,0.65); }

.story-content h2 { margin-bottom: 16px; }
.story-content > p { margin-bottom: 20px; font-size: 1rem; }

/* ===== LOAN TYPES GRID ===== */
.loans-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.loan-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 32px 24px;
  transition: var(--transition);
  position: relative;
  overflow: hidden;
}
.loan-card::after {
  content: '';
  position: absolute;
  bottom: 0; left: 0; right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--accent), var(--accent-light));
  transform: scaleX(0);
  transition: var(--transition);
  transform-origin: center;
}
.loan-card:hover { box-shadow: var(--shadow-lg); transform: translateY(-6px); }
.loan-card:hover::after { transform: scaleX(1); }
.loan-icon {
  width: 56px; height: 56px;
  background: var(--light-bg);
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.6rem;
  margin-bottom: 20px;
}
.loan-card h3 { margin-bottom: 10px; font-size: 1.05rem; }
.loan-card p { font-size: 0.87rem; }

/* ===== INSURANCE CARDS ===== */
.insurance-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 28px; }
.insurance-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 36px;
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--border);
  transition: var(--transition);
}
.insurance-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-md); }
.insurance-card.featured {
  background: linear-gradient(135deg, var(--primary), var(--primary-light));
  color: var(--white);
  border: none;
}
.insurance-card.featured p { color: rgba(255,255,255,0.75); }
.ins-icon {
  width: 60px; height: 60px;
  background: linear-gradient(135deg, var(--accent), var(--accent-light));
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.6rem;
  margin-bottom: 24px;
}
.insurance-card h3 { margin-bottom: 12px; font-size: 1.1rem; }
.insurance-card p { font-size: 0.88rem; margin-bottom: 20px; }
.ins-features { display: flex; flex-direction: column; gap: 8px; }
.ins-feature {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 0.84rem;
  color: var(--text-mid);
}
.insurance-card.featured .ins-feature { color: rgba(255,255,255,0.75); }
.ins-check { color: var(--accent); font-weight: 700; }

/* ===== PROCESS STEPS ===== */
.process-steps {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 32px;
  position: relative;
}
.process-steps::before {
  content: '';
  position: absolute;
  top: 32px;
  left: 10%;
  right: 10%;
  height: 2px;
  background: linear-gradient(90deg, var(--accent), var(--primary));
  z-index: 0;
}
.step-card {
  text-align: center;
  position: relative;
  z-index: 1;
}
.step-num {
  width: 64px; height: 64px;
  background: linear-gradient(135deg, var(--primary), var(--primary-light));
  border: 3px solid var(--accent);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.3rem;
  font-weight: 800;
  color: var(--accent-light);
  margin: 0 auto 20px;
}
.step-card h4 { margin-bottom: 8px; }
.step-card p { font-size: 0.84rem; }

/* ===== CONTACT PAGE ===== */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1.6fr;
  gap: 48px;
  align-items: start;
}
.contact-info h2 { margin-bottom: 12px; }
.contact-info > p { margin-bottom: 32px; }
.contact-cards { display: flex; flex-direction: column; gap: 16px; }
.contact-card {
  display: flex;
  align-items: flex-start;
  gap: 16px;
  padding: 20px;
  background: var(--light-bg);
  border-radius: var(--radius);
  transition: var(--transition);
}
.contact-card:hover { background: var(--primary); color: var(--white); }
.contact-card:hover .contact-card-text p { color: rgba(255,255,255,0.7); }
.contact-card-icon {
  width: 48px; height: 48px;
  background: linear-gradient(135deg, var(--accent), var(--accent-light));
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.3rem;
  flex-shrink: 0;
  color: var(--primary);
}
.contact-card-text h4 { margin-bottom: 2px; font-size: 0.88rem; text-transform: uppercase; letter-spacing: 0.06em; color: var(--text-light); }
.contact-card:hover .contact-card-text h4 { color: rgba(255,255,255,0.6); }
.contact-card-text p { font-size: 1rem; font-weight: 600; margin: 0; }
.contact-card-text a { color: inherit; transition: var(--transition); }

.contact-form-wrap {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 48px;
  box-shadow: var(--shadow-md);
  border: 1px solid var(--border);
}
.form-header { margin-bottom: 32px; }
.form-header h3 { margin-bottom: 8px; }
.form-header p { font-size: 0.9rem; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
.form-group { margin-bottom: 20px; }
.form-group label {
  display: block;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--text-dark);
  margin-bottom: 8px;
}
.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 14px 18px;
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  font-size: 0.92rem;
  font-family: inherit;
  color: var(--text-dark);
  background: var(--white);
  transition: var(--transition);
  outline: none;
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(10,37,64,0.08);
}
.form-group textarea { resize: vertical; min-height: 120px; }
.form-submit { width: 100%; padding: 16px; font-size: 1rem; border-radius: var(--radius); }

/* ===== FOOTER ===== */
.footer {
  background: var(--primary);
  color: rgba(255,255,255,0.75);
  padding: 70px 0 0;
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1.5fr;
  gap: 48px;
  padding-bottom: 48px;
  border-bottom: 1px solid rgba(255,255,255,0.1);
}
.footer-brand p {
  font-size: 0.88rem;
  margin: 16px 0 24px;
  color: rgba(255,255,255,0.6);
  line-height: 1.7;
}
.footer-social { display: flex; gap: 10px; }
.social-btn {
  width: 38px; height: 38px;
  background: rgba(255,255,255,0.08);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.9rem;
  transition: var(--transition);
  color: rgba(255,255,255,0.7);
}
.social-btn:hover { background: var(--accent); color: var(--primary); }

.footer-col h4 {
  color: var(--white);
  font-size: 0.9rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin-bottom: 20px;
}
.footer-links { display: flex; flex-direction: column; gap: 10px; }
.footer-links a {
  font-size: 0.88rem;
  color: rgba(255,255,255,0.6);
  transition: var(--transition);
  display: flex;
  align-items: center;
  gap: 6px;
}
.footer-links a:hover { color: var(--accent-light); padding-left: 4px; }

.footer-contact-list { display: flex; flex-direction: column; gap: 14px; }
.footer-contact-item {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  font-size: 0.88rem;
  color: rgba(255,255,255,0.65);
}
.footer-contact-icon {
  width: 32px; height: 32px;
  background: rgba(201,168,76,0.15);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  font-size: 0.85rem;
  color: var(--accent-light);
}
.footer-contact-item a { color: rgba(255,255,255,0.65); transition: var(--transition); }
.footer-contact-item a:hover { color: var(--accent-light); }

.footer-bottom {
  padding: 20px 0;
  display: flex;
  align-items: center;
  justify-content: space-between;
  font-size: 0.82rem;
  color: rgba(255,255,255,0.45);
}
.footer-bottom a { color: var(--accent-light); transition: var(--transition); }

/* ===== FLOATING ACTION ===== */
.fab-phone {
  position: fixed;
  bottom: 32px;
  right: 32px;
  z-index: 999;
  display: flex;
  flex-direction: column;
  align-items: flex-end;
  gap: 8px;
}
.fab-btn {
  width: 56px; height: 56px;
  background: linear-gradient(135deg, #25D366, #128C7E);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  box-shadow: 0 4px 20px rgba(37,211,102,0.4);
  transition: var(--transition);
  animation: fabPulse 3s infinite;
}
.fab-btn:hover { transform: scale(1.1); }
@keyframes fabPulse {
  0%, 100% { box-shadow: 0 4px 20px rgba(37,211,102,0.4); }
  50% { box-shadow: 0 4px 30px rgba(37,211,102,0.7); }
}
.fab-label {
  background: var(--white);
  color: var(--text-dark);
  font-size: 0.78rem;
  font-weight: 600;
  padding: 6px 14px;
  border-radius: 50px;
  box-shadow: var(--shadow-sm);
  opacity: 0;
  transition: var(--transition);
}
.fab-phone:hover .fab-label { opacity: 1; }

/* ===== FOOTER LOGO TEXT (used in footer brand) ===== */
.nav-logo-icon {
  width: 44px; height: 44px;
  background: linear-gradient(135deg, var(--accent), var(--accent-light));
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1rem;
  font-weight: 900;
  color: var(--primary);
  flex-shrink: 0;
  letter-spacing: -0.5px;
}
.nav-logo-text {
  display: flex;
  flex-direction: column;
  line-height: 1.3;
  margin-left: 10px;
}
.nav-logo-text strong {
  font-size: 0.95rem;
  color: var(--white);
  font-weight: 700;
}
.nav-logo-text span {
  font-size: 0.72rem;
  color: rgba(255,255,255,0.55);
}

/* ===== NAV PHONE (top bar) ===== */
.nav-phone-bar {
  background: var(--accent);
  color: var(--primary);
  text-align: center;
  padding: 7px 16px;
  font-size: 0.82rem;
  font-weight: 700;
  letter-spacing: 0.04em;
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 24px;
  flex-wrap: wrap;
}
.nav-phone-bar a {
  color: var(--primary);
  font-weight: 700;
  transition: var(--transition);
}
.nav-phone-bar a:hover { opacity: 0.75; }

/* ===== BACK TO TOP ===== */
.back-top {
  position: fixed;
  bottom: 100px;
  right: 36px;
  z-index: 999;
  width: 42px; height: 42px;
  background: var(--primary);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--white);
  font-size: 1rem;
  box-shadow: var(--shadow-md);
  opacity: 0;
  pointer-events: none;
  transition: var(--transition);
  cursor: pointer;
}
.back-top.visible { opacity: 1; pointer-events: all; }
.back-top:hover { transform: translateY(-4px); background: var(--accent); color: var(--primary); }

/* ===== ANIMATIONS ===== */
.fade-up {
  opacity: 0;
  transform: translateY(30px);
  transition: opacity 0.6s ease, transform 0.6s ease;
}
.fade-up.visible { opacity: 1; transform: translateY(0); }
.fade-up:nth-child(2) { transition-delay: 0.1s; }
.fade-up:nth-child(3) { transition-delay: 0.2s; }
.fade-up:nth-child(4) { transition-delay: 0.3s; }

/* ===== RESPONSIVE ===== */
@media (max-width: 992px) {
  .hero .container { grid-template-columns: 1fr; gap: 60px; padding-top: 120px; }
  .hero-visual { display: none; }
  .about-home .container,
  .about-story .container,
  .why-grid { grid-template-columns: 1fr; gap: 48px; }
  .about-exp-badge { right: 0; }
  .services-grid,
  .loans-grid { grid-template-columns: repeat(2, 1fr); }
  .insurance-grid { grid-template-columns: 1fr; }
  .process-steps { grid-template-columns: repeat(2, 1fr); }
  .process-steps::before { display: none; }
  .contact-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .cta-section .container { flex-direction: column; text-align: center; }
}
@media (max-width: 768px) {
  .nav-links, .nav-cta { display: none; }
  .nav-toggle { display: flex; }
  .nav-links.open {
    display: flex;
    flex-direction: column;
    position: fixed;
    top: 0; left: 0; right: 0; bottom: 0;
    background: var(--primary);
    z-index: 999;
    align-items: center;
    justify-content: center;
    gap: 8px;
  }
  .nav-links.open a { font-size: 1.1rem; padding: 14px 32px; }
  .nav-links.open .nav-close-btn { display: block; position: absolute; top: 24px; right: 24px; color: var(--white); font-size: 1.5rem; cursor: pointer; background: none; border: none; }
  .services-grid,
  .loans-grid { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .contact-form-wrap { padding: 28px 20px; }
  .footer-grid { grid-template-columns: 1fr; }
  .hero-stats { gap: 20px; }
  .why-stats-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 480px) {
  .section { padding: 60px 0; }
  .hero-actions { flex-direction: column; }
  .hero-actions .btn { width: 100%; justify-content: center; }
  .process-steps { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; gap: 8px; text-align: center; }
}

/* =================================================================
   ADVANCED APP ENHANCEMENTS  (visual / interaction layer only —
   no markup, content, logo, contact or WhatsApp logic changed)
   ================================================================= */

/* --- Page load fade-in (pure CSS so it never depends on JS) --- */
body { animation: appFadeIn 0.5s var(--ease) both; }
@keyframes appFadeIn { from { opacity: 0; } to { opacity: 1; } }

/* --- Selection + custom scrollbar --- */
::selection { background: var(--accent); color: var(--primary); }
html { scrollbar-color: var(--accent) var(--light-bg); scrollbar-width: thin; }
::-webkit-scrollbar { width: 11px; height: 11px; }
::-webkit-scrollbar-track { background: var(--light-bg); }
::-webkit-scrollbar-thumb {
  background: linear-gradient(var(--primary), var(--primary-light));
  border-radius: 50px;
  border: 2px solid var(--light-bg);
}
::-webkit-scrollbar-thumb:hover { background: var(--accent); }

/* --- Scroll progress bar (injected by JS) --- */
.scroll-progress {
  position: fixed;
  top: 0; left: 0;
  height: 3px;
  width: 0%;
  z-index: 2000;
  background: linear-gradient(90deg, var(--accent), var(--accent-light));
  box-shadow: 0 0 12px rgba(201,168,76,0.6);
  transition: width 0.1s linear;
}

/* --- Glassmorphic navbar when scrolled --- */
.navbar.scrolled {
  background: var(--glass);
  -webkit-backdrop-filter: saturate(160%) blur(14px);
  backdrop-filter: saturate(160%) blur(14px);
  border-bottom: 1px solid var(--glass-border);
}

/* --- Refined focusable accessibility ring --- */
a:focus-visible, button:focus-visible,
input:focus-visible, select:focus-visible, textarea:focus-visible {
  outline: 2px solid var(--accent);
  outline-offset: 2px;
}

/* --- Buttons: shine sweep + crisper press --- */
.btn { position: relative; overflow: hidden; isolation: isolate; will-change: transform; }
.btn::after {
  content: '';
  position: absolute;
  top: 0; left: -120%;
  width: 60%; height: 100%;
  background: linear-gradient(110deg, transparent, rgba(255,255,255,0.45), transparent);
  transform: skewX(-20deg);
  transition: left 0.6s var(--ease);
  z-index: -1;
}
.btn:hover::after { left: 130%; }
.btn:active { transform: translateY(0) scale(0.98); }

/* --- Gradient text helper (opt-in) --- */
.text-gradient {
  background: var(--accent-grad);
  -webkit-background-clip: text;
  background-clip: text;
  -webkit-text-fill-color: transparent;
}

/* --- Section labels get a soft animated dot --- */
.section-label { backdrop-filter: blur(2px); }

/* --- Card lift refinement (depth + accent glow) --- */
.service-card, .loan-card, .insurance-card, .stat-card {
  will-change: transform;
}
.service-card:hover, .loan-card:hover {
  box-shadow: var(--shadow-lg), 0 0 0 1px rgba(201,168,76,0.18);
}

/* --- Inputs: accent focus glow to match brand --- */
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  border-color: var(--accent);
  box-shadow: 0 0 0 4px rgba(201,168,76,0.16);
}

/* --- FAQ details: smooth marker rotation --- */
details > summary span { transition: transform 0.3s var(--ease); display: inline-block; }
details[open] > summary span { transform: rotate(45deg); }

/* --- Richer reveal: fade + rise + slight blur, stagger via JS --- */
.fade-up {
  transform: translateY(34px) scale(0.985);
  filter: blur(6px);
  transition:
    opacity 0.7s var(--ease),
    transform 0.7s var(--ease),
    filter 0.7s var(--ease);
}
.fade-up.visible {
  transform: translateY(0) scale(1);
  filter: blur(0);
}

/* --- Floating WhatsApp button: gentle bob (logic untouched) --- */
.fab-btn { animation: fabPulse 3s infinite, fabBob 4s ease-in-out infinite; }
@keyframes fabBob {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-6px); }
}
.fab-btn:hover { animation-play-state: paused; }

/* --- Respect reduced-motion preferences --- */
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: 0.001ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.001ms !important;
    scroll-behavior: auto !important;
  }
  .fade-up { filter: none; transform: none; opacity: 1; }
  body { opacity: 1; }
}