/* =============================================
   SmartVision Lending Network — Main Stylesheet
   ============================================= */

@import url('https://fonts.googleapis.com/css2?family=Poppins:wght@300;400;500;600;700;800;900&family=Inter:wght@300;400;500;600;700&display=swap');

/* ── Custom Properties ────────────────────── */
:root {
  --primary:        #0a1628;
  --primary-light:  #1e3a5f;
  --primary-mid:    #2c5282;
  --accent:         #d4a843;
  --accent-light:   #e8c875;
  --accent-dark:    #b8922e;
  --success:        #10b981;
  --danger:         #ef4444;
  --white:          #ffffff;
  --off-white:      #f0f4ff;
  --light:          #f8faff;
  --light-gray:     #e8edf5;
  --gray:           #6b7280;
  --dark-gray:      #374151;
  --text:           #1f2937;

  --font-primary:   'Poppins', sans-serif;
  --font-secondary: 'Inter', sans-serif;

  --shadow-sm:  0 1px 3px rgba(0,0,0,0.1), 0 1px 2px rgba(0,0,0,0.06);
  --shadow-md:  0 4px 6px rgba(0,0,0,0.07), 0 10px 15px rgba(0,0,0,0.1);
  --shadow-lg:  0 10px 25px rgba(0,0,0,0.1), 0 20px 48px rgba(0,0,0,0.12);
  --shadow-xl:  0 25px 50px rgba(0,0,0,0.15);
  --shadow-gold:0 8px 30px rgba(212,168,67,0.3);
  --shadow-blue:0 8px 30px rgba(10,22,40,0.4);

  --radius:     12px;
  --radius-lg:  20px;
  --radius-xl:  32px;
  --radius-full:9999px;

  --transition: all 0.3s cubic-bezier(0.4,0,0.2,1);
  --transition-slow: all 0.6s cubic-bezier(0.4,0,0.2,1);

  --navbar-h:   80px;
  --max-width:  1280px;
}

/* ── Reset & Base ─────────────────────────── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
  font-family: var(--font-primary);
  color: var(--text);
  background: var(--white);
  overflow-x: hidden;
  line-height: 1.6;
}
img { max-width: 100%; height: auto; display: block; }
a { text-decoration: none; color: inherit; }
ul, ol { list-style: none; }
button { cursor: pointer; border: none; background: none; font-family: inherit; }
input, select, textarea { font-family: inherit; }
section { position: relative; }

/* ── Utility Classes ──────────────────────── */
.container {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 24px;
}
.section-pad   { padding: 100px 0; }
.section-pad-sm{ padding: 60px 0; }
.text-center   { text-align: center; }
.text-accent   { color: var(--accent); }
.text-white    { color: var(--white); }
.text-primary  { color: var(--primary); }
.fw-600        { font-weight: 600; }
.fw-700        { font-weight: 700; }
.flex          { display: flex; }
.flex-center   { display: flex; align-items: center; justify-content: center; }
.grid          { display: grid; }
.hidden        { display: none !important; }

/* ── Section Heading ──────────────────────── */
.section-tag {
  display: inline-block;
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--accent);
  background: rgba(212,168,67,0.12);
  border: 1px solid rgba(212,168,67,0.3);
  padding: 6px 16px;
  border-radius: var(--radius-full);
  margin-bottom: 16px;
}
.section-title {
  font-size: clamp(1.75rem, 3.5vw, 2.6rem);
  font-weight: 800;
  line-height: 1.2;
  color: var(--primary);
  margin-bottom: 16px;
}
.section-subtitle {
  font-size: 1.05rem;
  color: var(--gray);
  max-width: 580px;
  line-height: 1.7;
}
.section-title span { color: var(--accent); }

/* ── Buttons ──────────────────────────────── */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 32px;
  border-radius: var(--radius-full);
  font-size: 0.95rem;
  font-weight: 600;
  letter-spacing: 0.02em;
  transition: var(--transition);
  position: relative;
  overflow: hidden;
}
.btn::after {
  content: '';
  position: absolute;
  inset: 0;
  background: rgba(255,255,255,0.1);
  opacity: 0;
  transition: var(--transition);
}
.btn:hover::after { opacity: 1; }
.btn:active { transform: scale(0.97); }

.btn-primary {
  background: linear-gradient(135deg, var(--accent) 0%, var(--accent-dark) 100%);
  color: var(--primary);
  box-shadow: var(--shadow-gold);
}
.btn-primary:hover {
  transform: translateY(-2px);
  box-shadow: 0 12px 35px rgba(212,168,67,0.45);
}
.btn-outline {
  border: 2px solid var(--white);
  color: var(--white);
  background: transparent;
}
.btn-outline:hover {
  background: var(--white);
  color: var(--primary);
  transform: translateY(-2px);
}
.btn-outline-dark {
  border: 2px solid var(--primary);
  color: var(--primary);
  background: transparent;
}
.btn-outline-dark:hover {
  background: var(--primary);
  color: var(--white);
}
.btn-lg { padding: 18px 44px; font-size: 1.05rem; }
.btn-sm { padding: 10px 22px; font-size: 0.85rem; }
.btn svg { width: 18px; height: 18px; flex-shrink: 0; }

/* ── Navigation ───────────────────────────── */
#navbar {
  position: fixed;
  top: 0; left: 0; right: 0;
  height: var(--navbar-h);
  z-index: 1000;
  transition: var(--transition);
}
#navbar.scrolled {
  background: rgba(10,22,40,0.97);
  backdrop-filter: blur(20px);
  box-shadow: 0 4px 30px rgba(0,0,0,0.3);
  height: 70px;
}
.nav-inner {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 24px;
  height: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
}
.nav-logo {
  display: flex;
  align-items: center;
  gap: 12px;
}
.logo-icon {
  width: 46px; height: 46px;
  background: linear-gradient(135deg, var(--accent) 0%, var(--accent-dark) 100%);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.3rem;
  font-weight: 900;
  color: var(--primary);
  box-shadow: var(--shadow-gold);
  flex-shrink: 0;
}
.logo-text { line-height: 1.2; }
.logo-text .brand-name {
  font-size: 1.15rem;
  font-weight: 800;
  color: var(--white);
  letter-spacing: -0.02em;
}
.logo-text .brand-sub {
  font-size: 0.7rem;
  font-weight: 500;
  color: var(--accent-light);
  letter-spacing: 0.05em;
  text-transform: uppercase;
}
.nav-links {
  display: flex;
  align-items: center;
  gap: 4px;
}
.nav-links a {
  padding: 8px 16px;
  border-radius: var(--radius-full);
  font-size: 0.92rem;
  font-weight: 500;
  color: rgba(255,255,255,0.85);
  transition: var(--transition);
  position: relative;
}
.nav-links a::after {
  content: '';
  position: absolute;
  bottom: 4px; left: 50%;
  transform: translateX(-50%) scaleX(0);
  width: 20px; height: 2px;
  background: var(--accent);
  border-radius: 2px;
  transition: var(--transition);
}
.nav-links a:hover,
.nav-links a.active {
  color: var(--white);
  background: rgba(255,255,255,0.08);
}
.nav-links a:hover::after,
.nav-links a.active::after { transform: translateX(-50%) scaleX(1); }
.nav-cta { display: flex; align-items: center; gap: 12px; }
.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  width: 30px;
  padding: 5px;
}
.hamburger span {
  display: block;
  height: 2px;
  background: var(--white);
  border-radius: 2px;
  transition: var(--transition);
}
.hamburger.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.hamburger.open span:nth-child(2) { opacity: 0; }
.hamburger.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* ── Mobile Nav ───────────────────────────── */
.mobile-nav {
  position: fixed;
  top: 0; left: 0; right: 0; bottom: 0;
  background: rgba(10,22,40,0.98);
  z-index: 999;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 8px;
  transform: translateX(-100%);
  transition: transform 0.4s cubic-bezier(0.4,0,0.2,1);
}
.mobile-nav.open { transform: translateX(0); }
.mobile-nav a {
  font-size: 1.5rem;
  font-weight: 700;
  color: rgba(255,255,255,0.8);
  padding: 12px 32px;
  border-radius: var(--radius-full);
  transition: var(--transition);
}
.mobile-nav a:hover { color: var(--accent); background: rgba(212,168,67,0.1); }

/* ── Hero Slider ──────────────────────────── */
.hero-slider {
  position: relative;
  height: 100vh;
  min-height: 650px;
  overflow: hidden;
  background: var(--primary);
}
.slide {
  position: absolute;
  inset: 0;
  display: flex;
  align-items: center;
  opacity: 0;
  transition: opacity 0.8s ease, transform 0.8s ease;
  transform: scale(1.03);
}
.slide.active { opacity: 1; transform: scale(1); z-index: 2; }
.slide.prev   { opacity: 0; transform: scale(0.97); z-index: 1; }

.slide-bg {
  position: absolute;
  inset: 0;
  background-size: cover;
  background-position: center;
  transform: scale(1.1);
  transition: transform 8s ease;
}
.slide.active .slide-bg { transform: scale(1); }

.slide-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(
    135deg,
    rgba(10,22,40,0.92) 0%,
    rgba(10,22,40,0.7) 50%,
    rgba(10,22,40,0.4) 100%
  );
}
.slide-content {
  position: relative;
  z-index: 3;
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 24px;
  padding-top: var(--navbar-h);
}

/* Slide 1 — default */
.slide-1 .slide-bg { background: linear-gradient(135deg, #0a1628 0%, #1a3a6e 40%, #0d2545 100%); }
.slide-2 .slide-bg { background: linear-gradient(135deg, #071220 0%, #1e3a5f 40%, #2c5282 100%); }
.slide-3 .slide-bg { background: linear-gradient(135deg, #0a1628 0%, #0d2545 40%, #1a3a6e 100%); }
.slide-4 .slide-bg { background: linear-gradient(135deg, #071220 0%, #1a3a6e 40%, #0a1628 100%); }

.slide-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(212,168,67,0.15);
  border: 1px solid rgba(212,168,67,0.4);
  color: var(--accent-light);
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  padding: 7px 18px;
  border-radius: var(--radius-full);
  margin-bottom: 24px;
  opacity: 0;
  transform: translateY(20px);
  transition: opacity 0.6s ease 0.3s, transform 0.6s ease 0.3s;
}
.slide.active .slide-badge { opacity: 1; transform: translateY(0); }
.slide-badge-dot {
  width: 6px; height: 6px;
  background: var(--accent);
  border-radius: 50%;
  animation: pulse-dot 2s infinite;
}
@keyframes pulse-dot {
  0%, 100% { transform: scale(1); opacity: 1; }
  50%       { transform: scale(1.5); opacity: 0.6; }
}

.slide-title {
  font-size: clamp(2.2rem, 5.5vw, 4.2rem);
  font-weight: 900;
  color: var(--white);
  line-height: 1.1;
  margin-bottom: 20px;
  max-width: 720px;
  opacity: 0;
  transform: translateY(30px);
  transition: opacity 0.6s ease 0.5s, transform 0.6s ease 0.5s;
}
.slide.active .slide-title { opacity: 1; transform: translateY(0); }
.slide-title .highlight {
  color: var(--accent);
  position: relative;
  display: inline-block;
}
.slide-title .highlight::after {
  content: '';
  position: absolute;
  bottom: 2px; left: 0; right: 0;
  height: 4px;
  background: var(--accent);
  border-radius: 2px;
  opacity: 0.4;
}

.slide-desc {
  font-size: clamp(1rem, 1.8vw, 1.2rem);
  color: rgba(255,255,255,0.8);
  max-width: 560px;
  margin-bottom: 36px;
  line-height: 1.7;
  opacity: 0;
  transform: translateY(30px);
  transition: opacity 0.6s ease 0.7s, transform 0.6s ease 0.7s;
}
.slide.active .slide-desc { opacity: 1; transform: translateY(0); }

.slide-actions {
  display: flex;
  align-items: center;
  gap: 16px;
  flex-wrap: wrap;
  opacity: 0;
  transform: translateY(30px);
  transition: opacity 0.6s ease 0.9s, transform 0.6s ease 0.9s;
}
.slide.active .slide-actions { opacity: 1; transform: translateY(0); }

/* Slider Controls */
.slider-controls {
  position: absolute;
  bottom: 40px; left: 50%;
  transform: translateX(-50%);
  z-index: 10;
  display: flex;
  align-items: center;
  gap: 16px;
}
.slider-dots {
  display: flex;
  gap: 8px;
}
.dot {
  width: 8px; height: 8px;
  border-radius: 4px;
  background: rgba(255,255,255,0.35);
  transition: var(--transition);
  cursor: pointer;
}
.dot.active {
  width: 28px;
  background: var(--accent);
}
.slider-btn {
  width: 44px; height: 44px;
  border-radius: 50%;
  background: rgba(255,255,255,0.1);
  border: 1px solid rgba(255,255,255,0.2);
  color: var(--white);
  display: flex;
  align-items: center;
  justify-content: center;
  transition: var(--transition);
  cursor: pointer;
}
.slider-btn:hover {
  background: var(--accent);
  border-color: var(--accent);
  color: var(--primary);
}
.slider-btn svg { width: 18px; height: 18px; }

/* Slider progress bar */
.slider-progress {
  position: absolute;
  bottom: 0; left: 0;
  height: 3px;
  background: var(--accent);
  z-index: 10;
  transition: width 0.1s linear;
  box-shadow: 0 0 12px rgba(212,168,67,0.6);
}

/* Floating stats on hero */
.hero-stat-cards {
  position: absolute;
  right: 60px;
  top: 50%;
  transform: translateY(-50%);
  display: flex;
  flex-direction: column;
  gap: 16px;
  z-index: 5;
}
.hero-stat-card {
  background: rgba(255,255,255,0.08);
  backdrop-filter: blur(20px);
  border: 1px solid rgba(255,255,255,0.15);
  border-radius: var(--radius-lg);
  padding: 18px 22px;
  text-align: center;
  min-width: 140px;
  opacity: 0;
  transform: translateX(30px);
  transition: opacity 0.6s ease, transform 0.6s ease;
}
.hero-stat-card.visible { opacity: 1; transform: translateX(0); }
.hero-stat-card:nth-child(1) { transition-delay: 1.0s; }
.hero-stat-card:nth-child(2) { transition-delay: 1.2s; }
.hero-stat-card:nth-child(3) { transition-delay: 1.4s; }
.hero-stat-number {
  font-size: 1.8rem;
  font-weight: 800;
  color: var(--accent);
  line-height: 1;
  margin-bottom: 4px;
}
.hero-stat-label {
  font-size: 0.75rem;
  color: rgba(255,255,255,0.7);
  font-weight: 500;
}

/* Scroll indicator */
.scroll-indicator {
  position: absolute;
  bottom: 100px; left: 50%;
  transform: translateX(-50%);
  z-index: 10;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 8px;
}
.scroll-indicator span {
  font-size: 0.7rem;
  color: rgba(255,255,255,0.5);
  letter-spacing: 0.15em;
  text-transform: uppercase;
}
.scroll-wheel {
  width: 24px; height: 40px;
  border: 2px solid rgba(255,255,255,0.3);
  border-radius: 12px;
  display: flex;
  justify-content: center;
  padding-top: 6px;
}
.scroll-wheel::after {
  content: '';
  width: 4px; height: 8px;
  background: var(--accent);
  border-radius: 2px;
  animation: scroll-bounce 2s infinite;
}
@keyframes scroll-bounce {
  0%    { transform: translateY(0); opacity: 1; }
  50%   { transform: translateY(10px); opacity: 0.5; }
  100%  { transform: translateY(0); opacity: 1; }
}

/* ── Stats Banner ─────────────────────────── */
.stats-section {
  background: linear-gradient(135deg, var(--primary) 0%, var(--primary-light) 100%);
  padding: 60px 0;
  position: relative;
  overflow: hidden;
}
.stats-section::before {
  content: '';
  position: absolute;
  top: -50%; left: -10%;
  width: 400px; height: 400px;
  background: radial-gradient(circle, rgba(212,168,67,0.1) 0%, transparent 70%);
  pointer-events: none;
}
.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1px;
  background: rgba(255,255,255,0.1);
  border-radius: var(--radius-xl);
  overflow: hidden;
}
.stat-item {
  background: rgba(255,255,255,0.04);
  padding: 40px 30px;
  text-align: center;
  position: relative;
  transition: var(--transition);
}
.stat-item::after {
  content: '';
  position: absolute;
  inset: 0;
  background: rgba(212,168,67,0.05);
  opacity: 0;
  transition: var(--transition);
}
.stat-item:hover::after { opacity: 1; }
.stat-icon {
  width: 52px; height: 52px;
  background: rgba(212,168,67,0.12);
  border-radius: var(--radius);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 16px;
  font-size: 1.4rem;
}
.stat-value {
  font-size: clamp(1.8rem, 3vw, 2.6rem);
  font-weight: 900;
  color: var(--accent);
  line-height: 1;
  margin-bottom: 6px;
}
.stat-label {
  font-size: 0.9rem;
  color: rgba(255,255,255,0.65);
  font-weight: 400;
}

/* ── Loan Products ────────────────────────── */
.products-section { background: var(--light); }
.products-header {
  display: flex;
  align-items: flex-end;
  justify-content: space-between;
  margin-bottom: 56px;
  gap: 24px;
}
.products-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 28px;
}
.product-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 36px 30px;
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--light-gray);
  transition: var(--transition);
  position: relative;
  overflow: hidden;
}
.product-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 4px;
  background: linear-gradient(90deg, var(--accent) 0%, var(--accent-dark) 100%);
  transform: scaleX(0);
  transform-origin: left;
  transition: var(--transition);
}
.product-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-lg);
  border-color: transparent;
}
.product-card:hover::before { transform: scaleX(1); }
.card-icon {
  width: 64px; height: 64px;
  border-radius: var(--radius);
  background: var(--off-white);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.8rem;
  margin-bottom: 20px;
  transition: var(--transition);
}
.product-card:hover .card-icon {
  background: linear-gradient(135deg, var(--accent) 0%, var(--accent-dark) 100%);
}
.card-title {
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--primary);
  margin-bottom: 10px;
}
.card-desc {
  font-size: 0.9rem;
  color: var(--gray);
  line-height: 1.65;
  margin-bottom: 20px;
}
.card-meta {
  display: flex;
  gap: 16px;
  margin-bottom: 24px;
}
.card-meta-item { flex: 1; }
.meta-label {
  font-size: 0.72rem;
  color: var(--gray);
  text-transform: uppercase;
  letter-spacing: 0.05em;
  font-weight: 600;
  margin-bottom: 2px;
}
.meta-value {
  font-size: 0.92rem;
  font-weight: 700;
  color: var(--primary);
}
.card-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 0.88rem;
  font-weight: 600;
  color: var(--accent-dark);
  transition: var(--transition);
}
.card-link svg { width: 16px; height: 16px; transition: transform 0.2s; }
.card-link:hover { color: var(--accent); }
.card-link:hover svg { transform: translateX(4px); }

.card-badge {
  position: absolute;
  top: 20px; right: 20px;
  font-size: 0.7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  padding: 4px 10px;
  border-radius: var(--radius-full);
  background: var(--accent);
  color: var(--primary);
}

/* ── Loan Wheel / Map ─────────────────────── */
.wheel-section { background: var(--primary); overflow: hidden; }
.wheel-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
}
.wheel-content .section-title { color: var(--white); }
.wheel-content .section-subtitle { color: rgba(255,255,255,0.65); }
.wheel-features { margin-top: 36px; display: flex; flex-direction: column; gap: 20px; }
.wheel-feature {
  display: flex;
  align-items: flex-start;
  gap: 16px;
}
.wheel-feature-icon {
  width: 44px; height: 44px; flex-shrink: 0;
  background: rgba(212,168,67,0.12);
  border: 1px solid rgba(212,168,67,0.25);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.1rem;
}
.wheel-feature-text h4 {
  font-size: 1rem;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 3px;
}
.wheel-feature-text p {
  font-size: 0.85rem;
  color: rgba(255,255,255,0.55);
  line-height: 1.5;
}

/* Loan Wheel SVG Area */
.wheel-chart-wrap {
  position: relative;
  display: flex;
  align-items: center;
  justify-content: center;
}
.loan-wheel {
  width: 420px;
  height: 420px;
  position: relative;
}
.wheel-svg {
  width: 100%;
  height: 100%;
  transform: rotate(-90deg);
}
.wheel-segment {
  transition: var(--transition);
  cursor: pointer;
}
.wheel-segment:hover { opacity: 0.85; transform-origin: center; }
.wheel-center {
  position: absolute;
  top: 50%; left: 50%;
  transform: translate(-50%, -50%);
  width: 160px; height: 160px;
  background: var(--primary);
  border-radius: 50%;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  text-align: center;
  border: 3px solid rgba(212,168,67,0.3);
  z-index: 10;
  transition: var(--transition);
}
.wheel-center-icon { font-size: 2rem; margin-bottom: 4px; }
.wheel-center-text {
  font-size: 0.75rem;
  font-weight: 600;
  color: rgba(255,255,255,0.8);
  text-transform: uppercase;
  letter-spacing: 0.05em;
}
.wheel-center-title {
  font-size: 0.9rem;
  font-weight: 700;
  color: var(--accent);
  margin-top: 2px;
}
.wheel-labels {
  position: absolute;
  inset: 0;
  pointer-events: none;
}
.wheel-label {
  position: absolute;
  font-size: 0.72rem;
  font-weight: 700;
  color: var(--white);
  text-align: center;
  transform: translate(-50%, -50%);
  pointer-events: none;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  text-shadow: 0 1px 3px rgba(0,0,0,0.5);
}

/* Wheel tooltip */
.wheel-tooltip {
  position: absolute;
  background: var(--primary-light);
  border: 1px solid rgba(212,168,67,0.3);
  border-radius: var(--radius);
  padding: 12px 16px;
  font-size: 0.82rem;
  color: var(--white);
  white-space: nowrap;
  pointer-events: none;
  opacity: 0;
  transform: translateY(8px);
  transition: var(--transition);
  box-shadow: var(--shadow-lg);
  z-index: 20;
}
.wheel-tooltip.visible { opacity: 1; transform: translateY(0); }
.wheel-tooltip strong { color: var(--accent); display: block; margin-bottom: 2px; }

/* ── Why Choose Us ────────────────────────── */
.why-section { background: var(--white); }
.why-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
  margin-top: 60px;
}
.why-card {
  padding: 36px 28px;
  border-radius: var(--radius-lg);
  border: 1px solid var(--light-gray);
  transition: var(--transition);
  position: relative;
}
.why-card:hover {
  border-color: var(--accent);
  background: rgba(212,168,67,0.03);
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
}
.why-icon {
  width: 60px; height: 60px;
  background: linear-gradient(135deg, var(--off-white) 0%, var(--light-gray) 100%);
  border-radius: var(--radius);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.6rem;
  margin-bottom: 20px;
  transition: var(--transition);
}
.why-card:hover .why-icon {
  background: linear-gradient(135deg, var(--accent) 0%, var(--accent-dark) 100%);
}
.why-title {
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--primary);
  margin-bottom: 10px;
}
.why-desc { font-size: 0.88rem; color: var(--gray); line-height: 1.65; }

/* ── Process Steps ────────────────────────── */
.process-section { background: var(--off-white); }
.process-steps {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  margin-top: 60px;
  position: relative;
}
.process-steps::before {
  content: '';
  position: absolute;
  top: 36px; left: 12%;
  right: 12%;
  height: 2px;
  background: linear-gradient(90deg, var(--accent) 0%, var(--accent-dark) 100%);
  z-index: 0;
}
.step-card {
  text-align: center;
  position: relative;
  z-index: 1;
}
.step-number {
  width: 72px; height: 72px;
  border-radius: 50%;
  background: var(--primary);
  border: 4px solid var(--off-white);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.4rem;
  font-weight: 900;
  color: var(--accent);
  margin: 0 auto 20px;
  position: relative;
  box-shadow: 0 0 0 4px rgba(212,168,67,0.2);
  transition: var(--transition);
}
.step-card:hover .step-number {
  background: var(--accent);
  color: var(--primary);
  box-shadow: 0 0 0 4px rgba(212,168,67,0.3), var(--shadow-gold);
}
.step-title {
  font-size: 1rem;
  font-weight: 700;
  color: var(--primary);
  margin-bottom: 8px;
}
.step-desc { font-size: 0.85rem; color: var(--gray); line-height: 1.6; }

/* ── Testimonials ─────────────────────────── */
.testimonials-section { background: var(--white); }
.testimonials-slider {
  position: relative;
  overflow: hidden;
  margin-top: 56px;
}
.testimonials-track {
  display: flex;
  transition: transform 0.6s cubic-bezier(0.4,0,0.2,1);
}
.testimonial-card {
  flex: 0 0 calc(33.333% - 19px);
  margin-right: 28px;
  background: var(--off-white);
  border-radius: var(--radius-lg);
  padding: 36px 32px;
  border: 1px solid var(--light-gray);
  transition: var(--transition);
}
.testimonial-card:hover {
  box-shadow: var(--shadow-md);
  border-color: var(--accent-light);
}
.stars {
  color: var(--accent);
  font-size: 1rem;
  margin-bottom: 16px;
  letter-spacing: 2px;
}
.testimonial-text {
  font-size: 0.95rem;
  color: var(--dark-gray);
  line-height: 1.75;
  margin-bottom: 24px;
  font-style: italic;
  position: relative;
}
.testimonial-text::before {
  content: '"';
  font-size: 4rem;
  color: var(--accent);
  opacity: 0.25;
  position: absolute;
  top: -16px; left: -8px;
  line-height: 1;
  font-style: normal;
}
.testimonial-author {
  display: flex;
  align-items: center;
  gap: 14px;
}
.author-avatar {
  width: 48px; height: 48px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--primary) 0%, var(--primary-light) 100%);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.2rem;
  font-weight: 700;
  color: var(--accent);
  flex-shrink: 0;
}
.author-name { font-size: 0.95rem; font-weight: 700; color: var(--primary); }
.author-role { font-size: 0.78rem; color: var(--gray); margin-top: 1px; }

.testimonials-nav {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 12px;
  margin-top: 40px;
}

/* ── CTA Banner ───────────────────────────── */
.cta-section {
  background: linear-gradient(135deg, var(--accent-dark) 0%, var(--accent) 50%, var(--accent-light) 100%);
  padding: 80px 0;
  position: relative;
  overflow: hidden;
}
.cta-section::before {
  content: '';
  position: absolute;
  top: -80px; right: -80px;
  width: 400px; height: 400px;
  border-radius: 50%;
  background: rgba(255,255,255,0.08);
}
.cta-section::after {
  content: '';
  position: absolute;
  bottom: -100px; left: -60px;
  width: 300px; height: 300px;
  border-radius: 50%;
  background: rgba(255,255,255,0.06);
}
.cta-inner {
  position: relative;
  z-index: 1;
  text-align: center;
}
.cta-title {
  font-size: clamp(1.8rem, 4vw, 2.8rem);
  font-weight: 900;
  color: var(--primary);
  margin-bottom: 14px;
}
.cta-sub {
  font-size: 1.1rem;
  color: rgba(10,22,40,0.75);
  margin-bottom: 36px;
  max-width: 500px;
  margin-left: auto;
  margin-right: auto;
}
.cta-buttons { display: flex; gap: 16px; justify-content: center; flex-wrap: wrap; }
.btn-cta-primary {
  background: var(--primary);
  color: var(--white);
  box-shadow: 0 8px 30px rgba(10,22,40,0.4);
}
.btn-cta-primary:hover {
  background: var(--primary-light);
  transform: translateY(-2px);
  box-shadow: 0 12px 40px rgba(10,22,40,0.5);
}
.btn-cta-outline {
  border: 2px solid var(--primary);
  color: var(--primary);
  background: transparent;
}
.btn-cta-outline:hover {
  background: var(--primary);
  color: var(--white);
}

/* ── Footer ───────────────────────────────── */
footer {
  background: var(--primary);
  color: rgba(255,255,255,0.7);
  padding: 80px 0 0;
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 60px;
  padding-bottom: 60px;
  border-bottom: 1px solid rgba(255,255,255,0.1);
}
.footer-brand .brand-desc {
  font-size: 0.88rem;
  line-height: 1.7;
  color: rgba(255,255,255,0.55);
  margin: 20px 0 28px;
  max-width: 300px;
}
.footer-contact-item {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  font-size: 0.85rem;
  color: rgba(255,255,255,0.6);
  margin-bottom: 12px;
}
.footer-contact-icon {
  width: 32px; height: 32px; flex-shrink: 0;
  background: rgba(212,168,67,0.1);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.9rem;
}
.footer-heading {
  font-size: 0.85rem;
  font-weight: 700;
  color: var(--white);
  text-transform: uppercase;
  letter-spacing: 0.1em;
  margin-bottom: 24px;
  position: relative;
  padding-bottom: 12px;
}
.footer-heading::after {
  content: '';
  position: absolute;
  bottom: 0; left: 0;
  width: 28px; height: 2px;
  background: var(--accent);
  border-radius: 2px;
}
.footer-links { display: flex; flex-direction: column; gap: 10px; }
.footer-links a {
  font-size: 0.88rem;
  color: rgba(255,255,255,0.55);
  transition: var(--transition);
  display: flex;
  align-items: center;
  gap: 8px;
}
.footer-links a::before {
  content: '›';
  color: var(--accent);
  font-size: 1rem;
}
.footer-links a:hover { color: var(--accent); padding-left: 6px; }
.social-links { display: flex; gap: 10px; margin-top: 24px; }
.social-link {
  width: 38px; height: 38px;
  border-radius: 10px;
  background: rgba(255,255,255,0.07);
  border: 1px solid rgba(255,255,255,0.1);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.9rem;
  transition: var(--transition);
}
.social-link:hover {
  background: var(--accent);
  border-color: var(--accent);
  color: var(--primary);
  transform: translateY(-2px);
}
.footer-bottom {
  padding: 24px 0;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  flex-wrap: wrap;
}
.footer-copy { font-size: 0.83rem; color: rgba(255,255,255,0.35); }
.footer-legal {
  display: flex;
  gap: 24px;
}
.footer-legal a {
  font-size: 0.83rem;
  color: rgba(255,255,255,0.35);
  transition: var(--transition);
}
.footer-legal a:hover { color: var(--accent); }

/* ── Page Hero (inner pages) ──────────────── */
.page-hero {
  padding: 160px 0 80px;
  background: linear-gradient(135deg, var(--primary) 0%, var(--primary-light) 100%);
  position: relative;
  overflow: hidden;
  text-align: center;
}
.page-hero::after {
  content: '';
  position: absolute;
  bottom: -1px; left: 0; right: 0;
  height: 60px;
  background: linear-gradient(to bottom right, transparent 49%, var(--white) 50%);
}
.page-hero-title {
  font-size: clamp(2rem, 4vw, 3rem);
  font-weight: 900;
  color: var(--white);
  margin-bottom: 12px;
}
.page-hero-title span { color: var(--accent); }
.breadcrumb {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font-size: 0.88rem;
  color: rgba(255,255,255,0.55);
}
.breadcrumb a { color: rgba(255,255,255,0.7); transition: var(--transition); }
.breadcrumb a:hover { color: var(--accent); }
.breadcrumb-sep { color: var(--accent); }

/* ── Forms ────────────────────────────────── */
.form-section { background: var(--light); }
.form-card {
  background: var(--white);
  border-radius: var(--radius-xl);
  padding: 56px;
  box-shadow: var(--shadow-lg);
  max-width: 820px;
  margin: 0 auto;
}
.form-title {
  font-size: 1.6rem;
  font-weight: 800;
  color: var(--primary);
  margin-bottom: 6px;
}
.form-subtitle { font-size: 0.95rem; color: var(--gray); margin-bottom: 40px; }
.form-grid { display: grid; gap: 24px; }
.form-grid-2 { grid-template-columns: 1fr 1fr; }
.form-group { display: flex; flex-direction: column; gap: 8px; }
.form-group.full { grid-column: 1 / -1; }
label {
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--dark-gray);
  display: flex;
  align-items: center;
  gap: 4px;
}
label .req { color: var(--danger); }
.form-control {
  padding: 14px 18px;
  border: 2px solid var(--light-gray);
  border-radius: var(--radius);
  font-size: 0.95rem;
  color: var(--text);
  background: var(--white);
  transition: var(--transition);
  outline: none;
  width: 100%;
}
.form-control:focus {
  border-color: var(--accent);
  box-shadow: 0 0 0 4px rgba(212,168,67,0.12);
}
.form-control::placeholder { color: #aaa; }
select.form-control { cursor: pointer; }
textarea.form-control { resize: vertical; min-height: 120px; }
.input-icon-wrap {
  position: relative;
}
.input-icon-wrap .form-control { padding-left: 48px; }
.input-icon {
  position: absolute;
  left: 16px; top: 50%;
  transform: translateY(-50%);
  font-size: 1.1rem;
  pointer-events: none;
}
.form-note {
  font-size: 0.8rem;
  color: var(--gray);
  margin-top: 4px;
}
.form-submit {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  flex-wrap: wrap;
  margin-top: 8px;
}

/* ── Inquiry Result Card ──────────────────── */
.result-card {
  background: var(--primary);
  border-radius: var(--radius-lg);
  padding: 36px;
  color: var(--white);
  margin-top: 32px;
  display: none;
  animation: fadeInUp 0.5s ease;
}
.result-card.visible { display: block; }
@keyframes fadeInUp {
  from { opacity: 0; transform: translateY(20px); }
  to   { opacity: 1; transform: translateY(0); }
}
.result-header {
  display: flex;
  align-items: center;
  gap: 16px;
  margin-bottom: 28px;
  padding-bottom: 20px;
  border-bottom: 1px solid rgba(255,255,255,0.1);
}
.result-icon {
  width: 56px; height: 56px;
  background: rgba(212,168,67,0.15);
  border-radius: var(--radius);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
}
.result-loan-id { font-size: 1.2rem; font-weight: 800; color: var(--accent); }
.result-type { font-size: 0.82rem; color: rgba(255,255,255,0.55); margin-top: 2px; }
.result-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}
.result-item { }
.result-label {
  font-size: 0.72rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: rgba(255,255,255,0.45);
  font-weight: 600;
  margin-bottom: 4px;
}
.result-value {
  font-size: 1rem;
  font-weight: 700;
  color: var(--white);
}
.status-badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 4px 12px;
  border-radius: var(--radius-full);
  font-size: 0.8rem;
  font-weight: 600;
}
.status-active { background: rgba(16,185,129,0.15); color: #34d399; }
.status-pending { background: rgba(212,168,67,0.15); color: var(--accent); }
.status-closed { background: rgba(239,68,68,0.15); color: #f87171; }

/* ── About Page ───────────────────────────── */
.about-hero-art {
  position: absolute;
  right: -100px; top: -100px;
  width: 500px; height: 500px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(212,168,67,0.08) 0%, transparent 70%);
  pointer-events: none;
}
.mission-vision {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 28px;
  margin-top: 60px;
}
.mv-card {
  border-radius: var(--radius-lg);
  padding: 44px 40px;
  position: relative;
  overflow: hidden;
}
.mv-card.mission { background: var(--primary); }
.mv-card.vision { background: linear-gradient(135deg, var(--primary-light) 0%, var(--primary-mid) 100%); }
.mv-label {
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--accent);
  margin-bottom: 16px;
}
.mv-title {
  font-size: 1.4rem;
  font-weight: 800;
  color: var(--white);
  margin-bottom: 16px;
}
.mv-text { font-size: 0.9rem; color: rgba(255,255,255,0.65); line-height: 1.75; }
.mv-icon {
  position: absolute;
  bottom: -10px; right: -10px;
  font-size: 8rem;
  opacity: 0.04;
  line-height: 1;
}
.goals-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-top: 60px;
}
.goal-card {
  padding: 32px 24px;
  background: var(--white);
  border-radius: var(--radius-lg);
  border: 1px solid var(--light-gray);
  transition: var(--transition);
}
.goal-card:hover {
  border-color: var(--accent);
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
}
.goal-number {
  font-size: 2.5rem;
  font-weight: 900;
  color: rgba(212,168,67,0.15);
  line-height: 1;
  margin-bottom: 12px;
}
.goal-title { font-size: 1rem; font-weight: 700; color: var(--primary); margin-bottom: 8px; }
.goal-text { font-size: 0.85rem; color: var(--gray); line-height: 1.65; }

/* ── Contact Page ─────────────────────────── */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1.5fr;
  gap: 60px;
  align-items: start;
}
.contact-info { display: flex; flex-direction: column; gap: 24px; }
.info-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 28px;
  border: 1px solid var(--light-gray);
  display: flex;
  align-items: flex-start;
  gap: 18px;
  transition: var(--transition);
}
.info-card:hover { border-color: var(--accent); box-shadow: var(--shadow-sm); }
.info-icon {
  width: 52px; height: 52px; flex-shrink: 0;
  background: linear-gradient(135deg, var(--primary) 0%, var(--primary-light) 100%);
  border-radius: var(--radius);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.2rem;
}
.info-title { font-size: 0.82rem; font-weight: 700; color: var(--primary); text-transform: uppercase; letter-spacing: 0.05em; margin-bottom: 6px; }
.info-detail { font-size: 0.9rem; color: var(--dark-gray); font-weight: 500; }
.info-sub { font-size: 0.8rem; color: var(--gray); margin-top: 2px; }

/* Map placeholder */
.map-placeholder {
  background: linear-gradient(135deg, var(--primary) 0%, var(--primary-light) 100%);
  border-radius: var(--radius-lg);
  padding: 60px 40px;
  text-align: center;
  color: var(--white);
  margin-top: 24px;
}
.map-icon { font-size: 3rem; margin-bottom: 16px; }
.map-address { font-size: 1rem; font-weight: 600; color: var(--accent); margin-bottom: 6px; }
.map-city { font-size: 0.88rem; color: rgba(255,255,255,0.6); }

/* ── Scroll Reveal ────────────────────────── */
.reveal {
  opacity: 0;
  transform: translateY(40px);
  transition: opacity 0.7s ease, transform 0.7s ease;
}
.reveal.visible { opacity: 1; transform: translateY(0); }
.reveal-delay-1 { transition-delay: 0.1s; }
.reveal-delay-2 { transition-delay: 0.2s; }
.reveal-delay-3 { transition-delay: 0.3s; }
.reveal-delay-4 { transition-delay: 0.4s; }
.reveal-delay-5 { transition-delay: 0.5s; }

/* ── Loan Number Ticker (Home) ────────────── */
.ticker-wrap {
  background: linear-gradient(90deg, var(--accent-dark) 0%, var(--accent) 50%, var(--accent-dark) 100%);
  padding: 14px 0;
  overflow: hidden;
  white-space: nowrap;
}
.ticker-inner {
  display: inline-flex;
  animation: ticker-scroll 30s linear infinite;
}
.ticker-item {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 0.85rem;
  font-weight: 700;
  color: var(--primary);
  padding: 0 32px;
  letter-spacing: 0.03em;
}
.ticker-item::after {
  content: '•';
  color: rgba(10,22,40,0.4);
}
@keyframes ticker-scroll {
  0%   { transform: translateX(0); }
  100% { transform: translateX(-50%); }
}

/* ── Back to Top ──────────────────────────── */
.back-top {
  position: fixed;
  bottom: 30px; right: 30px;
  width: 46px; height: 46px;
  background: linear-gradient(135deg, var(--accent) 0%, var(--accent-dark) 100%);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--primary);
  box-shadow: var(--shadow-gold);
  opacity: 0;
  transform: translateY(20px);
  pointer-events: none;
  transition: var(--transition);
  z-index: 999;
  cursor: pointer;
}
.back-top.visible { opacity: 1; transform: translateY(0); pointer-events: auto; }
.back-top:hover { transform: translateY(-3px); }
.back-top svg { width: 20px; height: 20px; }

/* ── Products Page Specific ───────────────── */
.product-detail-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 32px;
}
.product-full-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-md);
  transition: var(--transition);
}
.product-full-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); }
.product-card-top {
  background: linear-gradient(135deg, var(--primary) 0%, var(--primary-light) 100%);
  padding: 36px 32px;
}
.product-card-icon { font-size: 2.5rem; margin-bottom: 12px; }
.product-card-name { font-size: 1.3rem; font-weight: 800; color: var(--white); margin-bottom: 6px; }
.product-card-tagline { font-size: 0.85rem; color: rgba(255,255,255,0.6); }
.product-card-body { padding: 32px; }
.product-specs {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
  margin-bottom: 24px;
}
.spec-item { }
.spec-label { font-size: 0.75rem; text-transform: uppercase; letter-spacing: 0.06em; color: var(--gray); font-weight: 600; margin-bottom: 2px; }
.spec-value { font-size: 1rem; font-weight: 700; color: var(--primary); }
.product-features { margin-bottom: 24px; }
.product-features li {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 0.88rem;
  color: var(--dark-gray);
  padding: 6px 0;
  border-bottom: 1px solid var(--light-gray);
}
.product-features li:last-child { border: none; }
.feature-check { color: var(--success); font-size: 1rem; }
.product-actions {
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
}

/* ── Loan Calculator ──────────────────────── */
.calc-section { background: var(--off-white); }
.calc-card {
  background: var(--white);
  border-radius: var(--radius-xl);
  padding: 52px;
  box-shadow: var(--shadow-lg);
  max-width: 860px;
  margin: 0 auto;
}
.calc-grid { display: grid; grid-template-columns: 1.2fr 1fr; gap: 48px; align-items: center; }
.range-group { margin-bottom: 32px; }
.range-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 10px;
}
.range-label { font-size: 0.88rem; font-weight: 600; color: var(--dark-gray); }
.range-value {
  font-size: 1.1rem;
  font-weight: 800;
  color: var(--accent-dark);
}
input[type="range"] {
  width: 100%;
  height: 6px;
  background: var(--light-gray);
  border-radius: 3px;
  outline: none;
  -webkit-appearance: none;
  cursor: pointer;
}
input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 20px; height: 20px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--accent) 0%, var(--accent-dark) 100%);
  box-shadow: 0 2px 8px rgba(212,168,67,0.4);
  cursor: pointer;
}
.calc-result {
  background: linear-gradient(135deg, var(--primary) 0%, var(--primary-light) 100%);
  border-radius: var(--radius-lg);
  padding: 40px 32px;
  text-align: center;
}
.calc-result-label { font-size: 0.82rem; color: rgba(255,255,255,0.55); text-transform: uppercase; letter-spacing: 0.08em; margin-bottom: 8px; }
.calc-result-amount { font-size: 2.8rem; font-weight: 900; color: var(--accent); margin-bottom: 4px; line-height: 1; }
.calc-result-period { font-size: 0.88rem; color: rgba(255,255,255,0.55); margin-bottom: 28px; }
.calc-breakdown {
  display: flex;
  flex-direction: column;
  gap: 10px;
  padding-top: 20px;
  border-top: 1px solid rgba(255,255,255,0.1);
}
.calc-breakdown-row {
  display: flex;
  justify-content: space-between;
  font-size: 0.85rem;
}
.cb-label { color: rgba(255,255,255,0.5); }
.cb-value { color: var(--white); font-weight: 600; }

/* ── Alerts / Notifications ───────────────── */
.alert {
  padding: 14px 18px;
  border-radius: var(--radius);
  font-size: 0.88rem;
  display: flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 20px;
}
.alert-success { background: rgba(16,185,129,0.1); border: 1px solid rgba(16,185,129,0.3); color: #065f46; }
.alert-error   { background: rgba(239,68,68,0.1); border: 1px solid rgba(239,68,68,0.3); color: #991b1b; }
.alert-info    { background: rgba(59,130,246,0.1); border: 1px solid rgba(59,130,246,0.3); color: #1e40af; }
.alert-warning { background: rgba(212,168,67,0.1); border: 1px solid rgba(212,168,67,0.3); color: #92400e; }

/* ── Team Section (About) ─────────────────── */
.team-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  margin-top: 56px;
}
.team-card {
  text-align: center;
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 32px 24px;
  border: 1px solid var(--light-gray);
  transition: var(--transition);
}
.team-card:hover { border-color: var(--accent); transform: translateY(-4px); box-shadow: var(--shadow-md); }
.team-avatar {
  width: 80px; height: 80px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--primary) 0%, var(--primary-light) 100%);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 2rem;
  font-weight: 800;
  color: var(--accent);
  margin: 0 auto 16px;
  border: 3px solid var(--accent-light);
}
.team-name { font-size: 1rem; font-weight: 700; color: var(--primary); margin-bottom: 4px; }
.team-role { font-size: 0.8rem; color: var(--gray); margin-bottom: 12px; }
.team-divider { width: 30px; height: 2px; background: var(--accent); margin: 12px auto; border-radius: 2px; }

/* ── Responsive ───────────────────────────── */
@media (max-width: 1100px) {
  .products-grid    { grid-template-columns: repeat(2, 1fr); }
  .team-grid        { grid-template-columns: repeat(2, 1fr); }
  .footer-grid      { grid-template-columns: 1fr 1fr; gap: 40px; }
  .hero-stat-cards  { display: none; }
  .wheel-inner      { grid-template-columns: 1fr; gap: 40px; text-align: center; }
  .loan-wheel       { width: 320px; height: 320px; margin: 0 auto; }
  .wheel-features   { align-items: center; }
  .calc-grid        { grid-template-columns: 1fr; }
}
@media (max-width: 900px) {
  :root { --navbar-h: 70px; }
  .nav-links, .nav-cta .btn { display: none; }
  .hamburger { display: flex; }
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .why-grid   { grid-template-columns: repeat(2, 1fr); }
  .process-steps { grid-template-columns: repeat(2, 1fr); }
  .process-steps::before { display: none; }
  .goals-grid { grid-template-columns: repeat(2, 1fr); }
  .contact-grid { grid-template-columns: 1fr; }
  .product-detail-grid { grid-template-columns: 1fr; }
  .mission-vision { grid-template-columns: 1fr; }
  .form-card { padding: 36px 28px; }
  .calc-card { padding: 36px 28px; }
}
@media (max-width: 640px) {
  .products-grid    { grid-template-columns: 1fr; }
  .stats-grid       { grid-template-columns: 1fr 1fr; }
  .why-grid         { grid-template-columns: 1fr; }
  .process-steps    { grid-template-columns: 1fr; }
  .goals-grid       { grid-template-columns: 1fr; }
  .team-grid        { grid-template-columns: repeat(2, 1fr); }
  .footer-grid      { grid-template-columns: 1fr; gap: 32px; }
  .footer-bottom    { flex-direction: column; text-align: center; }
  .section-pad      { padding: 70px 0; }
  .products-header  { flex-direction: column; align-items: flex-start; }
  .testimonial-card { flex: 0 0 calc(100% - 16px); }
  .form-grid-2      { grid-template-columns: 1fr; }
  .result-grid      { grid-template-columns: repeat(2, 1fr); }
  .form-submit      { flex-direction: column; }
  .slide-actions    { flex-direction: column; }
}