/* =============================================
   FinanceElite — Premium Fintech 2.0
   Complete Visual Redesign
   ============================================= */

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

/* =============================================
   DESIGN TOKENS
   ============================================= */
:root {
  /* Core palette */
  --ink:          #07111C;
  --ink-90:       #0D1E2E;
  --ink-70:       #1A3247;

  /* PRIMARY — Red */
  --primary:      #DC2626;
  --primary-mid:  #B91C1C;
  --primary-soft: #FEF2F2;
  --primary-glow: rgba(220,38,38,.14);

  /* SECONDARY — Blue */
  --blue:         #2563EB;
  --blue-mid:     #1D4ED8;
  --blue-soft:    #EFF6FF;
  --blue-glow:    rgba(37,99,235,.14);
  --sky:          #DBEAFE;

  --white:        #FFFFFF;
  --surface:      #F7F9FC;
  --surface-2:    #EEF2F8;
  --border:       #E2E8F0;
  --border-light: #F0F4FA;
  --muted:        #64748B;
  --muted-light:  #94A3B8;
  --text:         #1E293B;
  --text-soft:    #475569;
  --green:        #00B37E;
  --green-soft:   #E6FAF4;
  --green-glow:   rgba(0,179,126,.12);
  --amber:        #F59E0B;
  --red:          #EF4444;

  /* Elevation */
  --shadow-xs:  0 1px 2px rgba(7,17,28,.04);
  --shadow-sm:  0 2px 8px rgba(7,17,28,.06), 0 1px 2px rgba(7,17,28,.04);
  --shadow-md:  0 8px 24px rgba(7,17,28,.08), 0 2px 6px rgba(7,17,28,.04);
  --shadow-lg:  0 16px 48px rgba(7,17,28,.10), 0 4px 12px rgba(7,17,28,.06);
  --shadow-xl:  0 32px 80px rgba(7,17,28,.12), 0 8px 24px rgba(7,17,28,.06);
  --shadow-primary: 0 8px 32px rgba(220,38,38,.22);
  --shadow-blue: 0 8px 32px rgba(37,99,235,.22);
  --shadow-green: 0 8px 28px rgba(0,179,126,.22);

  /* Geometry */
  --r-sm:  8px;
  --r-md:  14px;
  --r-lg:  20px;
  --r-xl:  28px;
  --r-2xl: 40px;
  --r-full: 999px;

  /* Motion */
  --ease:     cubic-bezier(.4,0,.2,1);
  --ease-out: cubic-bezier(0,0,.2,1);
  --t-fast:   150ms;
  --t-mid:    260ms;
  --t-slow:   400ms;

  /* Typography */
  --font-sans:    'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
  --font-display: 'Syne', 'Inter', sans-serif;
}

/* =============================================
   RESET & BASE
   ============================================= */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; -webkit-text-size-adjust: 100%; }
body {
  font-family: var(--font-sans);
  color: var(--text);
  background: var(--white);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  overflow-x: hidden;
}
h1,h2,h3,h4,h5,h6 {
  font-family: var(--font-sans);
  color: var(--ink);
  line-height: 1.15;
  font-weight: 700;
  letter-spacing: -.02em;
}
a { text-decoration: none; color: var(--primary); transition: color var(--t-fast) var(--ease); }
a:hover { color: var(--primary-mid); }
img { max-width: 100%; display: block; }
::selection { background: var(--primary); color: #fff; }
::-webkit-scrollbar { width: 5px; }
::-webkit-scrollbar-track { background: transparent; }
::-webkit-scrollbar-thumb { background: var(--border); border-radius: 3px; }

/* =============================================
   NAVBAR — Dark glassmorphism
   ============================================= */
.navbar {
  position: fixed; top: 0; left: 0; right: 0;
  z-index: 1000;
  padding: 0;
  background: rgba(7,17,28,.55) !important;
  backdrop-filter: blur(18px) saturate(160%);
  -webkit-backdrop-filter: blur(18px) saturate(160%);
  border-bottom: 1px solid rgba(255,255,255,.08);
  transition: background var(--t-slow) var(--ease),
              backdrop-filter var(--t-slow) var(--ease),
              border-color var(--t-slow) var(--ease),
              box-shadow var(--t-slow) var(--ease);
}
.navbar.scrolled {
  background: rgba(255,255,255,.94) !important;
  backdrop-filter: blur(24px) saturate(180%);
  -webkit-backdrop-filter: blur(24px) saturate(180%);
  border-bottom: 1px solid rgba(226,232,240,.6);
  box-shadow: 0 1px 0 rgba(226,232,240,.8), 0 4px 20px rgba(7,17,28,.07);
}
.navbar > .container {
  display: flex; align-items: center;
  height: 72px;
}
.navbar-brand {
  display: flex; align-items: center; gap: 10px;
  font-family: var(--font-sans);
  font-weight: 800; font-size: 1.25rem;
  letter-spacing: -.04em;
  color: #fff !important;
  flex-shrink: 0;
  transition: color var(--t-mid) var(--ease);
}
.navbar.scrolled .navbar-brand { color: var(--ink) !important; }
.brand-mark {
  width: 34px; height: 34px;
  background: var(--primary);
  border-radius: 9px;
  display: flex; align-items: center; justify-content: center;
  position: relative; overflow: hidden;
}
.brand-mark::before {
  content: '';
  position: absolute; inset: 0;
  background: linear-gradient(135deg, rgba(255,255,255,.25) 0%, transparent 60%);
}
.brand-mark svg { position: relative; z-index: 1; }
.brand-text-main { color: #fff; transition: color var(--t-mid) var(--ease); }
.navbar.scrolled .brand-text-main { color: var(--ink); }
.brand-text-accent { color: var(--primary); }
.navbar-toggler {
  border: 1.5px solid rgba(255,255,255,.28);
  border-radius: var(--r-sm);
  padding: 7px 10px;
  background: transparent;
  transition: border-color var(--t-mid) var(--ease);
}
.navbar.scrolled .navbar-toggler { border-color: var(--border); }
.navbar-toggler-icon {
  background-image: url("data:image/svg+xml,%3csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 30 30'%3e%3cpath stroke='rgba(255,255,255,0.85)' stroke-linecap='round' stroke-miterlimit='10' stroke-width='2' d='M4 7h22M4 15h22M4 23h22'/%3e%3c/svg%3e");
}
.navbar.scrolled .navbar-toggler-icon {
  background-image: url("data:image/svg+xml,%3csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 30 30'%3e%3cpath stroke='%231E293B' stroke-linecap='round' stroke-miterlimit='10' stroke-width='2' d='M4 7h22M4 15h22M4 23h22'/%3e%3c/svg%3e");
}
.navbar-nav { gap: 2px; }
.navbar-nav .nav-link {
  font-size: .875rem;
  font-weight: 500;
  color: rgba(255,255,255,.78) !important;
  padding: 8px 14px !important;
  border-radius: var(--r-sm);
  transition: all var(--t-fast) var(--ease);
  letter-spacing: -.01em;
}
.navbar-nav .nav-link:hover { color: #fff !important; background: rgba(255,255,255,.1); }
.navbar-nav .nav-link.active { color: #fff !important; background: rgba(255,255,255,.13); font-weight: 600; }
.navbar.scrolled .navbar-nav .nav-link { color: var(--text-soft) !important; }
.navbar.scrolled .navbar-nav .nav-link:hover { color: var(--ink) !important; background: var(--surface); }
.navbar.scrolled .navbar-nav .nav-link.active { color: var(--primary) !important; background: var(--primary-soft); }

.nav-phone {
  font-size: .8rem; font-weight: 600;
  color: rgba(255,255,255,.62) !important;
  white-space: nowrap;
  text-decoration: none;
  transition: color var(--t-mid) var(--ease);
}
.navbar.scrolled .nav-phone { color: var(--text-soft) !important; }
.nav-phone i { color: var(--primary) !important; font-size: .7rem; }

.btn-nav-cta {
  background: var(--primary) !important;
  color: #fff !important;
  font-size: .875rem !important;
  font-weight: 600 !important;
  padding: 9px 20px !important;
  border-radius: var(--r-sm) !important;
  border: none !important;
  box-shadow: var(--shadow-primary);
  transition: all var(--t-mid) var(--ease) !important;
  letter-spacing: -.01em;
  white-space: nowrap;
}
.btn-nav-cta:hover {
  background: var(--primary-mid) !important;
  transform: translateY(-1px);
  box-shadow: 0 10px 36px rgba(220,38,38,.28) !important;
}

/* =============================================
   BUTTONS — Unified System
   ============================================= */
.btn-fe-primary {
  display: inline-flex; align-items: center; gap: 8px;
  background: var(--primary);
  color: #fff !important;
  font-weight: 600; font-size: .9375rem;
  padding: 13px 26px;
  border-radius: var(--r-sm);
  border: none; cursor: pointer;
  box-shadow: var(--shadow-primary);
  transition: all var(--t-mid) var(--ease);
  letter-spacing: -.01em;
  text-decoration: none;
}
.btn-fe-primary:hover {
  background: var(--primary-mid);
  transform: translateY(-2px);
  box-shadow: 0 14px 40px rgba(220,38,38,.3);
  color: #fff !important;
}

.btn-fe-ghost {
  display: inline-flex; align-items: center; gap: 8px;
  background: transparent;
  color: var(--ink) !important;
  font-weight: 600; font-size: .9375rem;
  padding: 12px 24px;
  border-radius: var(--r-sm);
  border: 1.5px solid var(--border);
  cursor: pointer;
  transition: all var(--t-mid) var(--ease);
  letter-spacing: -.01em;
  text-decoration: none;
}
.btn-fe-ghost:hover {
  border-color: var(--primary);
  color: var(--primary) !important;
  background: var(--primary-soft);
  transform: translateY(-1px);
}

.btn-fe-white {
  display: inline-flex; align-items: center; gap: 8px;
  background: #fff;
  color: var(--ink) !important;
  font-weight: 700; font-size: .9375rem;
  padding: 13px 26px;
  border-radius: var(--r-sm);
  border: none; cursor: pointer;
  box-shadow: 0 4px 16px rgba(0,0,0,.12);
  transition: all var(--t-mid) var(--ease);
  letter-spacing: -.01em;
  text-decoration: none;
}
.btn-fe-white:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 28px rgba(0,0,0,.18);
  color: var(--ink) !important;
}

.btn-fe-dark {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(255,255,255,.12);
  color: #fff !important;
  font-weight: 600; font-size: .9375rem;
  padding: 12px 24px;
  border-radius: var(--r-sm);
  border: 1.5px solid rgba(255,255,255,.2);
  cursor: pointer;
  transition: all var(--t-mid) var(--ease);
  letter-spacing: -.01em;
  text-decoration: none;
  backdrop-filter: blur(8px);
}
.btn-fe-dark:hover {
  background: rgba(255,255,255,.2);
  border-color: rgba(255,255,255,.35);
  transform: translateY(-1px);
  color: #fff !important;
}

.btn-fe-green {
  display: inline-flex; align-items: center; gap: 8px;
  background: var(--green);
  color: #fff !important;
  font-weight: 700; font-size: .9375rem;
  padding: 13px 26px;
  border-radius: var(--r-sm);
  border: none; cursor: pointer;
  box-shadow: var(--shadow-green);
  transition: all var(--t-mid) var(--ease);
  letter-spacing: -.01em;
  text-decoration: none;
}
.btn-fe-green:hover {
  background: #009966;
  transform: translateY(-2px);
  box-shadow: 0 14px 40px rgba(0,179,126,.3);
  color: #fff !important;
}

.btn-full { width: 100%; justify-content: center; }
.btn-lg { padding: 16px 32px !important; font-size: 1rem !important; }

/* =============================================
   LAYOUT HELPERS
   ============================================= */
.container { max-width: 1200px; margin: 0 auto; padding: 0 24px; }
section { padding: 100px 0; }
.section-gap-sm { padding: 64px 0; }
.section-gap-lg { padding: 128px 0; }

.label-chip {
  display: inline-flex; align-items: center; gap: 7px;
  font-size: .75rem; font-weight: 600;
  text-transform: uppercase; letter-spacing: .1em;
  color: var(--primary);
  background: var(--primary-soft);
  padding: 5px 13px;
  border-radius: var(--r-full);
  margin-bottom: 18px;
}
.label-chip.green { color: var(--green); background: var(--green-soft); }
.label-chip::before {
  content: '';
  width: 6px; height: 6px;
  border-radius: 50%;
  background: currentColor;
}

.heading-display {
  font-family: var(--font-sans);
  font-size: clamp(2.25rem, 4vw, 3.5rem);
  font-weight: 800;
  letter-spacing: -.04em;
  line-height: 1.1;
  color: var(--ink);
}
.heading-display .grad {
  background: linear-gradient(135deg, var(--primary) 0%, #F87171 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.heading-section {
  font-size: clamp(1.625rem, 2.5vw, 2.375rem);
  font-weight: 800;
  letter-spacing: -.035em;
  color: var(--ink);
  line-height: 1.15;
}

.body-lead {
  font-size: 1.075rem;
  color: var(--text-soft);
  line-height: 1.75;
}

.divider-line { height: 1px; background: var(--border-light); margin: 0; }

/* =============================================
   HERO
   ============================================= */
.hero {
  min-height: 100vh;
  background: var(--ink);
  display: flex; align-items: center;
  position: relative; overflow: hidden;
  padding: 140px 0 100px;
}

/* Layered background */
.hero-bg {
  position: absolute; inset: 0;
  background:
    radial-gradient(ellipse 100% 80% at 60% 30%, rgba(220,38,38,.18) 0%, transparent 55%),
    radial-gradient(ellipse 60% 60% at 10% 80%, rgba(37,99,235,.12) 0%, transparent 50%),
    radial-gradient(ellipse 80% 80% at 80% 80%, rgba(80,10,10,.5) 0%, transparent 60%);
  pointer-events: none;
}

/* Noise texture */
.hero-noise {
  position: absolute; inset: 0; opacity: .03;
  background-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 256 256' xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='noise'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.9' numOctaves='4' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23noise)'/%3E%3C/svg%3E");
  pointer-events: none;
}

/* Subtle grid */
.hero-grid {
  position: absolute; inset: 0; opacity: .05;
  background-image:
    linear-gradient(rgba(255,255,255,1) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,1) 1px, transparent 1px);
  background-size: 72px 72px;
  mask-image: radial-gradient(ellipse 80% 80% at 50% 50%, black 20%, transparent 80%);
  pointer-events: none;
}

.hero-content { position: relative; z-index: 2; }

.hero-eyebrow {
  display: inline-flex; align-items: center; gap: 8px;
  font-size: .78rem; font-weight: 600;
  text-transform: uppercase; letter-spacing: .1em;
  color: rgba(255,255,255,.6);
  margin-bottom: 28px;
}
.hero-eyebrow-dot {
  width: 8px; height: 8px;
  background: var(--green);
  border-radius: 50%;
  animation: pulse-glow 2.5s ease-in-out infinite;
  box-shadow: 0 0 0 0 rgba(0,179,126,.6);
}
@keyframes pulse-glow {
  0% { box-shadow: 0 0 0 0 rgba(0,179,126,.6); }
  70% { box-shadow: 0 0 0 8px rgba(0,179,126,0); }
  100% { box-shadow: 0 0 0 0 rgba(0,179,126,0); }
}

.hero h1 {
  font-size: clamp(2.5rem, 5vw, 4.25rem);
  font-weight: 800;
  color: #fff;
  letter-spacing: -.045em;
  line-height: 1.08;
  margin-bottom: 26px;
}
.hero h1 .grad {
  background: linear-gradient(90deg, #FCA5A5 0%, #F87171 50%, #60A5FA 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.hero-desc {
  font-size: 1.1rem;
  color: rgba(255,255,255,.62);
  line-height: 1.78;
  max-width: 500px;
  margin-bottom: 40px;
}

.hero-actions { display: flex; gap: 12px; flex-wrap: wrap; margin-bottom: 56px; }

.hero-trust {
  display: flex; align-items: center; gap: 20px;
  padding-top: 36px;
  border-top: 1px solid rgba(255,255,255,.08);
  flex-wrap: wrap;
}
.hero-trust-item {
  display: flex; align-items: center; gap: 8px;
  font-size: .82rem;
  color: rgba(255,255,255,.48);
  font-weight: 500;
}
.hero-trust-item i { color: var(--green); font-size: .85rem; }

/* Hero visual card */
.hero-card {
  background: rgba(255,255,255,.06);
  border: 1px solid rgba(255,255,255,.1);
  border-radius: var(--r-xl);
  padding: 32px;
  backdrop-filter: blur(24px);
  -webkit-backdrop-filter: blur(24px);
  animation: hero-float 7s ease-in-out infinite;
  position: relative; z-index: 2;
}
@keyframes hero-float {
  0%,100% { transform: translateY(0) rotate(0deg); }
  33%  { transform: translateY(-10px) rotate(.3deg); }
  66%  { transform: translateY(-5px) rotate(-.2deg); }
}

.hc-header {
  display: flex; align-items: center; justify-content: space-between;
  margin-bottom: 24px;
  padding-bottom: 18px;
  border-bottom: 1px solid rgba(255,255,255,.08);
}
.hc-logo {
  display: flex; align-items: center; gap: 9px;
  font-weight: 800; font-size: 1.05rem;
  color: #fff; letter-spacing: -.03em;
}
.hc-logo-dot {
  width: 28px; height: 28px;
  background: var(--primary);
  border-radius: 7px;
  display: flex; align-items: center; justify-content: center;
  font-size: .72rem; font-weight: 900; color: #fff;
}
.hc-status {
  display: flex; align-items: center; gap: 6px;
  font-size: .75rem; font-weight: 600;
  color: var(--green);
  background: rgba(0,179,126,.12);
  border: 1px solid rgba(0,179,126,.2);
  padding: 4px 10px; border-radius: var(--r-full);
}
.hc-status::before {
  content: '';
  width: 6px; height: 6px;
  background: var(--green);
  border-radius: 50%;
}

.hc-amount {
  font-size: 2.75rem; font-weight: 800;
  color: #fff; letter-spacing: -.06em;
  line-height: 1; margin-bottom: 4px;
}
.hc-sub {
  font-size: .82rem; color: rgba(255,255,255,.4);
  margin-bottom: 24px;
}

.hc-rows { margin-bottom: 20px; }
.hc-row {
  display: flex; justify-content: space-between; align-items: center;
  padding: 11px 0;
  border-bottom: 1px solid rgba(255,255,255,.06);
  font-size: .84rem;
}
.hc-row:last-child { border-bottom: none; }
.hc-row .k { color: rgba(255,255,255,.42); }
.hc-row .v { color: #fff; font-weight: 600; }
.hc-row .v.green { color: var(--green); }

.hc-cta {
  background: var(--primary);
  color: #fff; font-weight: 700; font-size: .875rem;
  padding: 13px; border-radius: var(--r-sm);
  text-align: center; cursor: pointer;
  transition: all var(--t-mid) var(--ease);
  display: block; text-decoration: none;
  letter-spacing: -.01em;
  box-shadow: var(--shadow-primary);
}
.hc-cta:hover { background: var(--primary-mid); transform: translateY(-1px); color: #fff; }

.hc-secure {
  margin-top: 12px;
  text-align: center;
  font-size: .72rem;
  color: rgba(255,255,255,.3);
  display: flex; align-items: center; justify-content: center; gap: 5px;
}

/* Floating badge */
.hero-float-badge {
  position: absolute;
  background: #fff;
  border-radius: var(--r-md);
  padding: 12px 16px;
  box-shadow: var(--shadow-lg);
  display: flex; align-items: center; gap: 10px;
  font-size: .8rem; font-weight: 600;
  color: var(--ink);
  z-index: 3;
  animation: badge-bob 4s ease-in-out infinite;
}
.hero-float-badge.top-right {
  top: -16px; right: -20px;
  animation-delay: .5s;
}
.hero-float-badge.bottom-left {
  bottom: 20px; left: -24px;
  animation-delay: 1.2s;
}
@keyframes badge-bob {
  0%,100% { transform: translateY(0); }
  50% { transform: translateY(-6px); }
}
.badge-icon {
  width: 32px; height: 32px;
  border-radius: 8px;
  display: flex; align-items: center; justify-content: center;
  font-size: .9rem;
}
.badge-icon.blue { background: var(--blue-soft); color: var(--blue); }
.badge-icon.green { background: var(--green-soft); color: var(--green); }
.badge-text-main { font-size: .82rem; font-weight: 700; color: var(--ink); }
.badge-text-sub { font-size: .72rem; color: var(--muted); font-weight: 400; }

/* =============================================
   TRUST BAND (logos)
   ============================================= */
.trust-band {
  background: var(--white);
  border-bottom: 1px solid var(--border-light);
  padding: 28px 0;
}
.trust-band-inner {
  display: flex; align-items: center; gap: 40px;
  flex-wrap: wrap; justify-content: center;
}
.trust-band-label {
  font-size: .72rem; font-weight: 700;
  text-transform: uppercase; letter-spacing: .1em;
  color: var(--muted-light);
  white-space: nowrap;
}
.trust-brand {
  font-size: .95rem; font-weight: 700;
  color: var(--surface-2);
  letter-spacing: -.01em;
  filter: grayscale(1);
  opacity: .45;
  transition: opacity var(--t-mid) var(--ease);
}
.trust-brand:hover { opacity: .7; }

/* =============================================
   SECTION HEADER
   ============================================= */
.section-header { margin-bottom: 64px; }
.section-header.centered { text-align: center; }
.section-header.centered .body-lead { margin-left: auto; margin-right: auto; max-width: 500px; }

/* =============================================
   SERVICE CARDS — 2.0
   ============================================= */
.services-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}
@media (max-width: 991px) { .services-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 600px) { .services-grid { grid-template-columns: 1fr; } }

/* Service card image thumbnail */
.srv2-img {
  width: 100%; height: 150px;
  border-radius: var(--r-md);
  overflow: hidden;
  margin-bottom: 22px;
  position: relative; z-index: 1;
}
.srv2-img img {
  width: 100%; height: 100%;
  object-fit: cover;
  transition: transform var(--t-slow) var(--ease);
  display: block;
}
.srv2-card:hover .srv2-img img { transform: scale(1.06); }

.srv2-card {
  background: var(--white);
  border: 1px solid var(--border-light);
  border-radius: var(--r-xl);
  padding: 28px 28px 28px;
  transition: all var(--t-slow) var(--ease);
  position: relative; overflow: hidden;
  cursor: default;
}
.srv2-card::after {
  content: '';
  position: absolute; inset: 0;
  border-radius: var(--r-xl);
  opacity: 0;
  background: linear-gradient(135deg, var(--primary-soft), transparent);
  transition: opacity var(--t-mid) var(--ease);
  pointer-events: none;
}
.srv2-card:hover {
  border-color: rgba(220,38,38,.2);
  box-shadow: var(--shadow-lg);
  transform: translateY(-4px);
}
.srv2-card:hover::after { opacity: 1; }

.srv2-icon-wrap {
  width: 52px; height: 52px;
  border-radius: var(--r-md);
  background: var(--surface);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.25rem;
  margin-bottom: 22px;
  transition: all var(--t-mid) var(--ease);
  color: var(--primary);
  position: relative; z-index: 1;
}
.srv2-card:hover .srv2-icon-wrap {
  background: var(--primary);
  color: #fff;
  box-shadow: var(--shadow-primary);
}

.srv2-card h4 {
  font-size: 1rem; font-weight: 700;
  letter-spacing: -.02em;
  margin-bottom: 9px;
  position: relative; z-index: 1;
}
.srv2-card p {
  font-size: .875rem; color: var(--text-soft);
  line-height: 1.65; margin-bottom: 20px;
  position: relative; z-index: 1;
}
.srv2-link {
  display: inline-flex; align-items: center; gap: 5px;
  font-size: .825rem; font-weight: 600;
  color: var(--primary); letter-spacing: -.01em;
  transition: gap var(--t-fast) var(--ease);
  position: relative; z-index: 1;
}
.srv2-link:hover { gap: 9px; }

/* =============================================
   STATS SECTION
   ============================================= */
.stats-section {
  background: var(--ink);
  padding: 72px 0;
  position: relative; overflow: hidden;
}
.stats-section::before {
  content: '';
  position: absolute; inset: 0;
  background: radial-gradient(ellipse 80% 100% at 50% 0%, rgba(220,38,38,.15), transparent 60%);
  pointer-events: none;
}
.stats-grid {
  display: grid; grid-template-columns: repeat(4, 1fr);
  gap: 1px;
  background: rgba(255,255,255,.06);
  border-radius: var(--r-xl); overflow: hidden;
}
@media (max-width: 767px) { .stats-grid { grid-template-columns: repeat(2, 1fr); } }

.stat-block {
  background: rgba(7,17,28,.6);
  padding: 40px 32px;
  text-align: center;
  backdrop-filter: blur(12px);
  transition: background var(--t-mid) var(--ease);
}
.stat-block:hover { background: rgba(220,38,38,.08); }
.stat-value {
  font-size: clamp(2rem, 3.5vw, 2.75rem);
  font-weight: 800;
  color: #fff;
  letter-spacing: -.05em;
  display: block; line-height: 1;
  margin-bottom: 10px;
}
.stat-value .accent { color: #60A5FA; }
.stat-label {
  font-size: .78rem; font-weight: 500;
  color: rgba(255,255,255,.4);
  text-transform: uppercase; letter-spacing: .09em;
}

/* =============================================
   ADVANTAGES / FEATURES
   ============================================= */
.features-layout {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
}
@media (max-width: 991px) { .features-layout { grid-template-columns: 1fr; gap: 48px; } }

.feature-list { display: flex; flex-direction: column; gap: 16px; }
.feature-item {
  display: flex; gap: 16px;
  padding: 20px;
  background: var(--white);
  border: 1px solid var(--border-light);
  border-radius: var(--r-lg);
  transition: all var(--t-mid) var(--ease);
}
.feature-item:hover {
  border-color: rgba(220,38,38,.2);
  box-shadow: var(--shadow-md);
  transform: translateX(4px);
}
.feature-icon {
  width: 44px; height: 44px; min-width: 44px;
  background: var(--primary-soft);
  border-radius: var(--r-sm);
  display: flex; align-items: center; justify-content: center;
  color: var(--primary); font-size: 1.1rem;
}
.feature-item h5 { font-size: .9375rem; font-weight: 700; margin-bottom: 4px; letter-spacing: -.015em; }
.feature-item p { font-size: .84rem; color: var(--text-soft); margin: 0; line-height: 1.6; }

.features-visual {
  position: relative;
}
.features-img {
  border-radius: var(--r-xl);
  overflow: hidden;
  box-shadow: var(--shadow-xl);
  aspect-ratio: 4/5;
}
.features-img img { width: 100%; height: 100%; object-fit: cover; }

.features-badge {
  position: absolute;
  background: var(--white);
  border-radius: var(--r-lg);
  padding: 16px 20px;
  box-shadow: var(--shadow-lg);
  display: flex; align-items: center; gap: 12px;
}
.features-badge.top { top: -16px; right: -16px; }
.features-badge.bottom { bottom: 32px; left: -24px; }
.fb-icon {
  width: 40px; height: 40px;
  border-radius: var(--r-sm);
  display: flex; align-items: center; justify-content: center;
  font-size: 1rem;
}
.fb-icon.blue { background: var(--blue-soft); color: var(--blue); }
.fb-icon.green { background: var(--green-soft); color: var(--green); }
.fb-num { font-size: 1.2rem; font-weight: 800; color: var(--ink); letter-spacing: -.03em; display: block; }
.fb-lbl { font-size: .72rem; color: var(--muted); font-weight: 500; }

/* =============================================
   SIMULATOR
   ============================================= */
.sim-wrapper {
  background: var(--surface);
  border-radius: var(--r-2xl);
  padding: 56px;
  position: relative; overflow: hidden;
}
.sim-wrapper::before {
  content: '';
  position: absolute; top: -80px; right: -80px;
  width: 320px; height: 320px;
  background: radial-gradient(circle, var(--primary-glow), transparent 70%);
  pointer-events: none;
}
@media (max-width: 767px) { .sim-wrapper { padding: 28px 20px; } }

.sim-layout {
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 48px; align-items: center;
}
@media (max-width: 767px) { .sim-layout { grid-template-columns: 1fr; gap: 32px; } }

.sim-amount-big {
  font-size: clamp(2.5rem, 5vw, 4rem);
  font-weight: 800;
  color: var(--ink);
  letter-spacing: -.06em;
  line-height: 1;
  margin-bottom: 4px;
}
.sim-duration-display {
  font-size: 1.25rem; font-weight: 700;
  color: var(--primary); letter-spacing: -.03em;
  margin-bottom: 4px;
}

.slider-label {
  font-size: .72rem; font-weight: 700;
  text-transform: uppercase; letter-spacing: .09em;
  color: var(--muted); margin-bottom: 6px; display: block;
}
.range-wrap { margin-bottom: 24px; }

input[type="range"] {
  width: 100%; height: 4px; appearance: none;
  background: var(--border); border-radius: 2px; outline: none;
  margin: 10px 0; cursor: pointer;
}
input[type="range"]::-webkit-slider-thumb {
  appearance: none; width: 20px; height: 20px;
  background: var(--primary); border-radius: 50%;
  cursor: pointer;
  box-shadow: 0 0 0 4px rgba(220,38,38,.15);
  transition: box-shadow var(--t-fast) var(--ease);
}
input[type="range"]::-webkit-slider-thumb:hover {
  box-shadow: 0 0 0 6px rgba(220,38,38,.2);
}
.range-hints { display: flex; justify-content: space-between; font-size: .72rem; color: var(--muted-light); font-weight: 500; }

.sim-results-grid {
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 12px; margin-bottom: 24px;
}
.sim-res {
  background: var(--white);
  border: 1px solid var(--border-light);
  border-radius: var(--r-md);
  padding: 20px 16px;
  text-align: center;
  box-shadow: var(--shadow-xs);
}
.sim-res-val {
  font-size: 1.5rem; font-weight: 800;
  color: var(--ink); letter-spacing: -.04em;
  display: block; margin-bottom: 5px;
}
.sim-res-val.green { color: var(--green); }
.sim-res-lbl { font-size: .7rem; font-weight: 600; text-transform: uppercase; letter-spacing: .08em; color: var(--muted-light); }
.sim-disclaimer { font-size: .7rem; color: var(--muted-light); text-align: center; margin-top: 10px; }

/* =============================================
   PROCESS SECTION
   ============================================= */
.process-illustration {
  width: 100%; height: 260px;
  border-radius: var(--r-xl);
  overflow: hidden;
  margin-bottom: 56px;
  position: relative;
}
.process-illustration img {
  width: 100%; height: 100%;
  object-fit: cover;
  display: block;
}
.process-illustration::after {
  content: '';
  position: absolute; inset: 0;
  background: linear-gradient(90deg, rgba(7,17,28,.55) 0%, transparent 50%, rgba(220,38,38,.15) 100%);
  border-radius: var(--r-xl);
}
.process-illustration-overlay {
  position: absolute; bottom: 28px; left: 32px;
  z-index: 2; color: #fff;
}
.process-illustration-overlay h3 {
  font-size: 1.45rem; font-weight: 800; color: #fff;
  margin-bottom: 4px; letter-spacing: -.03em;
}
.process-illustration-overlay p {
  font-size: .82rem; color: rgba(255,255,255,.62);
}

.process-grid {
  display: grid; grid-template-columns: repeat(4, 1fr);
  gap: 24px; position: relative;
}
@media (max-width: 767px) { .process-grid { grid-template-columns: repeat(2, 1fr); } }

.process-grid::before {
  content: '';
  position: absolute;
  top: 32px; left: calc(12.5% + 20px); right: calc(12.5% + 20px);
  height: 2px;
  background: linear-gradient(90deg, var(--primary), transparent 80%);
  opacity: .2;
}
@media (max-width: 767px) { .process-grid::before { display: none; } }

.proc-card {
  text-align: center; padding: 8px;
}
.proc-num {
  width: 64px; height: 64px;
  background: var(--white);
  border: 2px solid var(--border);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 20px;
  font-size: 1.125rem; font-weight: 800;
  color: var(--primary);
  position: relative; z-index: 1;
  box-shadow: var(--shadow-sm);
  transition: all var(--t-mid) var(--ease);
}
.proc-card:hover .proc-num {
  background: var(--primary);
  border-color: var(--primary);
  color: #fff;
  box-shadow: var(--shadow-primary);
  transform: scale(1.08);
}
.proc-card h5 { font-size: .9375rem; font-weight: 700; margin-bottom: 8px; letter-letters: -.015em; }
.proc-card p { font-size: .825rem; color: var(--text-soft); line-height: 1.6; }

/* =============================================
   TESTIMONIALS
   ============================================= */
.testi-grid {
  display: grid; grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}
@media (max-width: 991px) { .testi-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 600px) { .testi-grid { grid-template-columns: 1fr; } }

.testi2-card {
  background: var(--white);
  border: 1px solid var(--border-light);
  border-radius: var(--r-xl);
  padding: 28px;
  transition: all var(--t-mid) var(--ease);
  display: flex; flex-direction: column;
}
.testi2-card:hover {
  box-shadow: var(--shadow-lg);
  border-color: transparent;
  transform: translateY(-4px);
}
.testi2-stars { display: flex; gap: 3px; margin-bottom: 16px; }
.testi2-stars span { color: #FBBF24; font-size: .875rem; }
.testi2-text {
  font-size: .9rem; color: var(--text-soft);
  line-height: 1.72; flex: 1; margin-bottom: 22px;
}
.testi2-author { display: flex; align-items: center; gap: 12px; }
.testi2-av {
  width: 40px; height: 40px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--primary), #F87171);
  display: flex; align-items: center; justify-content: center;
  font-size: .8rem; font-weight: 800; color: #fff;
  flex-shrink: 0;
}
.testi2-name { font-size: .875rem; font-weight: 700; color: var(--ink); letter-spacing: -.01em; }
.testi2-role { font-size: .75rem; color: var(--muted-light); }

/* =============================================
   FAQ
   ============================================= */
.faq-layout {
  display: grid; grid-template-columns: 1fr 1.8fr;
  gap: 80px; align-items: start;
}
@media (max-width: 991px) { .faq-layout { grid-template-columns: 1fr; gap: 40px; } }

.faq-sidebar h2 { margin-bottom: 16px; }
.faq-sidebar p { color: var(--text-soft); font-size: .9375rem; line-height: 1.72; margin-bottom: 28px; }

.accordion-item {
  border: 1px solid var(--border-light) !important;
  border-radius: var(--r-md) !important;
  margin-bottom: 8px !important; overflow: hidden;
  transition: box-shadow var(--t-mid) var(--ease);
}
.accordion-item:hover { box-shadow: var(--shadow-sm); }
.accordion-button {
  font-size: .9375rem !important; font-weight: 600 !important;
  color: var(--ink) !important;
  background: var(--white) !important;
  padding: 18px 20px !important;
  letter-spacing: -.015em;
}
.accordion-button:not(.collapsed) {
  color: var(--primary) !important;
  background: var(--primary-soft) !important;
  box-shadow: none !important;
}
.accordion-button::after {
  filter: none;
  background-image: url("data:image/svg+xml,%3csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16' fill='%23DC2626'%3e%3cpath fill-rule='evenodd' d='M1.646 4.646a.5.5 0 0 1 .708 0L8 10.293l5.646-5.647a.5.5 0 0 1 .708.708l-6 6a.5.5 0 0 1-.708 0l-6-6a.5.5 0 0 1 0-.708z'/%3e%3c/svg%3e") !important;
}
.accordion-body { padding: 16px 20px 20px !important; font-size: .875rem; color: var(--text-soft); line-height: 1.72; background: var(--white); }

/* =============================================
   CTA SECTION
   ============================================= */
.cta-section {
  background: var(--ink);
  border-radius: var(--r-2xl);
  padding: 72px 64px;
  position: relative; overflow: hidden;
  margin: 0 24px;
}
@media (max-width: 767px) { .cta-section { padding: 40px 28px; margin: 0 16px; } }
.cta-section::before {
  content: '';
  position: absolute; inset: 0;
  background:
    radial-gradient(ellipse 80% 100% at 80% 50%, rgba(220,38,38,.2), transparent 60%),
    radial-gradient(ellipse 40% 80% at 10% 50%, rgba(37,99,235,.1), transparent 60%);
  pointer-events: none;
}
.cta-section h2 { color: #fff; margin-bottom: 14px; font-size: clamp(1.75rem, 3vw, 2.5rem); }
.cta-section p { color: rgba(255,255,255,.6); font-size: 1.025rem; }
.cta-actions { display: flex; gap: 12px; flex-wrap: wrap; margin-top: 32px; }

/* =============================================
   PAGE HERO (inner pages)
   ============================================= */
.page-hero {
  background: var(--ink);
  padding: 160px 0 96px;
  position: relative; overflow: hidden;
}
.page-hero::before {
  content: '';
  position: absolute; inset: 0;
  background: radial-gradient(ellipse 70% 80% at 20% 50%, rgba(220,38,38,.15), transparent 55%);
  pointer-events: none;
}
.page-hero .breadcrumb { background: none !important; padding: 0 !important; margin-bottom: 20px; }
.page-hero .breadcrumb-item a { color: rgba(255,255,255,.4); font-size: .82rem; }
.page-hero .breadcrumb-item.active { color: rgba(255,255,255,.72); font-size: .82rem; }
.page-hero .breadcrumb-item+.breadcrumb-item::before { color: rgba(255,255,255,.22); }
.page-hero h1 { color: #fff; font-size: clamp(2rem, 4vw, 3.5rem); margin-bottom: 18px; }
.page-hero .lead-text { color: rgba(255,255,255,.58); font-size: 1.05rem; max-width: 560px; line-height: 1.75; }

/* =============================================
   CONTACT PAGE
   ============================================= */
.contact-layout {
  display: grid; grid-template-columns: 1fr 1.6fr;
  gap: 64px; align-items: start;
}
@media (max-width: 991px) { .contact-layout { grid-template-columns: 1fr; gap: 40px; } }

.cinfo-block {
  display: flex; align-items: flex-start; gap: 14px;
  padding: 20px;
  background: var(--white);
  border: 1px solid var(--border-light);
  border-radius: var(--r-lg);
  margin-bottom: 12px;
  transition: all var(--t-mid) var(--ease);
}
.cinfo-block:hover { box-shadow: var(--shadow-md); border-color: rgba(220,38,38,.15); }
.cinfo-ico {
  width: 44px; height: 44px; min-width: 44px;
  background: var(--primary-soft); border-radius: var(--r-sm);
  display: flex; align-items: center; justify-content: center;
  color: var(--primary); font-size: 1rem;
}
.cinfo-lbl { font-size: .7rem; font-weight: 700; text-transform: uppercase; letter-spacing: .09em; color: var(--muted-light); margin-bottom: 3px; }
.cinfo-val { font-size: .9375rem; font-weight: 600; color: var(--ink); }

.contact-form-panel {
  background: var(--white);
  border: 1px solid var(--border-light);
  border-radius: var(--r-xl);
  padding: 40px;
  box-shadow: var(--shadow-md);
}
.map-placeholder {
  background: var(--surface);
  border: 1px solid var(--border-light);
  border-radius: var(--r-lg);
  height: 220px;
  display: flex; flex-direction: column;
  align-items: center; justify-content: center;
  color: var(--muted-light);
  font-size: .875rem; font-weight: 500;
  margin-top: 16px;
}
.map-placeholder i { font-size: 2rem; margin-bottom: 10px; }

/* =============================================
   FORM ELEMENTS — Global
   ============================================= */
.flabel {
  display: block;
  font-size: .72rem; font-weight: 700;
  text-transform: uppercase; letter-spacing: .09em;
  color: var(--muted); margin-bottom: 7px;
}
.finput {
  width: 100%;
  padding: 12px 16px;
  border: 1.5px solid var(--border);
  border-radius: var(--r-sm);
  font-size: .9375rem; font-family: var(--font-sans);
  color: var(--ink); background: var(--white);
  outline: none; appearance: none;
  transition: all var(--t-fast) var(--ease);
}
.finput:focus { border-color: var(--primary); box-shadow: 0 0 0 3px rgba(220,38,38,.1); }
.finput:hover:not(:focus) { border-color: #CBD5E1; }
.finput::placeholder { color: var(--muted-light); }
.finput.error { border-color: var(--red); box-shadow: 0 0 0 3px rgba(239,68,68,.08); }
select.finput { cursor: pointer; }
textarea.finput { resize: vertical; }

.fgroup { margin-bottom: 20px; }
.field-error { font-size: .75rem; color: var(--red); font-weight: 500; margin-top: 5px; display: none; }
.field-error.show { display: block; }

/* =============================================
   LOAN APPLICATION PAGE
   ============================================= */
.loan-page {
  min-height: 100vh;
  background: var(--surface);
  padding: 100px 0 80px;
  display: flex; align-items: center;
}

.loan-layout {
  display: grid; grid-template-columns: 1fr 1.1fr;
  gap: 64px; align-items: start;
}
@media (max-width: 991px) { .loan-layout { grid-template-columns: 1fr; gap: 40px; } }

/* Left panel — trust/info */
.loan-trust-panel {}
.loan-trust-panel h1 {
  font-size: clamp(1.75rem, 3vw, 2.5rem);
  margin-bottom: 14px; letter-spacing: -.04em;
}
.loan-trust-panel p { color: var(--text-soft); line-height: 1.75; margin-bottom: 32px; }

.trust-items { display: flex; flex-direction: column; gap: 14px; margin-bottom: 36px; }
.trust-item {
  display: flex; align-items: flex-start; gap: 14px;
  padding: 16px 18px;
  background: var(--white);
  border: 1px solid var(--border-light);
  border-radius: var(--r-lg);
  box-shadow: var(--shadow-xs);
}
.trust-item-icon {
  width: 40px; height: 40px; min-width: 40px;
  border-radius: var(--r-sm);
  display: flex; align-items: center; justify-content: center;
  font-size: .9rem;
}
.trust-item-icon.blue { background: var(--primary-soft); color: var(--primary); }
.trust-item-icon.green { background: var(--green-soft); color: var(--green); }
.trust-item-icon.amber { background: #FFF8E6; color: var(--amber); }
.trust-item h5 { font-size: .875rem; font-weight: 700; margin-bottom: 2px; letter-spacing: -.01em; }
.trust-item p { font-size: .8rem; color: var(--text-soft); margin: 0; line-height: 1.5; }

.loan-logos {
  display: flex; align-items: center; gap: 8px; flex-wrap: wrap;
}
.loan-logo-badge {
  background: var(--white); border: 1px solid var(--border-light);
  border-radius: var(--r-sm); padding: 8px 14px;
  font-size: .72rem; font-weight: 700;
  color: var(--muted-light); letter-spacing: .02em;
}

/* Right panel — form */
.loan-form-panel {
  background: var(--white);
  border-radius: var(--r-xl);
  box-shadow: var(--shadow-xl);
  overflow: hidden;
  border: 1px solid var(--border-light);
}
.loan-form-top {
  background: var(--primary);
  padding: 28px 36px;
  position: relative; overflow: hidden;
}
.loan-form-top::before {
  content: '';
  position: absolute; top: -40px; right: -40px;
  width: 160px; height: 160px;
  background: rgba(255,255,255,.06);
  border-radius: 50%;
}
.loan-form-top h3 { color: #fff; font-size: 1.2rem; margin-bottom: 6px; }
.loan-form-top p { color: rgba(255,255,255,.7); font-size: .85rem; margin: 0; }

.loan-form-body { padding: 36px; }
@media (max-width: 767px) { .loan-form-body { padding: 24px; } }

.loan-progress-bar {
  margin-bottom: 28px;
}
.progress-track {
  height: 4px; background: var(--border-light);
  border-radius: 2px; overflow: hidden;
}
.progress-fill {
  height: 100%; background: linear-gradient(90deg, var(--primary), #F87171);
  border-radius: 2px;
  width: 0%; transition: width .4s var(--ease);
}
.progress-label {
  display: flex; justify-content: space-between;
  font-size: .72rem; color: var(--muted-light);
  font-weight: 600; margin-top: 6px;
}

.amount-presets { display: flex; gap: 7px; flex-wrap: wrap; margin-top: 8px; }
.amount-preset {
  background: var(--surface); border: 1.5px solid var(--border);
  border-radius: var(--r-sm); padding: 5px 11px;
  font-size: .78rem; font-weight: 600; color: var(--text-soft);
  cursor: pointer; transition: all var(--t-fast) var(--ease);
  font-family: var(--font-sans);
}
.amount-preset:hover { border-color: var(--primary); color: var(--primary); background: var(--primary-soft); }

.loan-submit-btn {
  width: 100%;
  background: var(--primary);
  color: #fff;
  border: none; border-radius: var(--r-sm);
  padding: 15px 20px;
  font-size: .9375rem; font-weight: 700;
  font-family: var(--font-sans);
  letter-spacing: -.01em;
  cursor: pointer;
  transition: all var(--t-mid) var(--ease);
  box-shadow: var(--shadow-primary);
  display: flex; align-items: center; justify-content: center; gap: 9px;
}
.loan-submit-btn:hover { background: var(--primary-mid); transform: translateY(-2px); box-shadow: 0 14px 40px rgba(220,38,38,.3); }

.form-security-row {
  display: flex; justify-content: center; gap: 20px;
  margin-top: 18px; flex-wrap: wrap;
}
.fsr-item {
  display: flex; align-items: center; gap: 5px;
  font-size: .72rem; color: var(--muted-light); font-weight: 500;
}
.fsr-item i { color: var(--green); font-size: .75rem; }

/* =============================================
   THANK YOU PAGE
   ============================================= */
.ty-wrap {
  min-height: 100vh;
  background: var(--surface);
  display: flex; align-items: center;
  padding: 120px 0 80px;
}
.ty-card {
  max-width: 580px; margin: 0 auto;
  background: var(--white);
  border: 1px solid var(--border-light);
  border-radius: var(--r-2xl);
  padding: 56px 48px;
  text-align: center;
  box-shadow: var(--shadow-xl);
}
@media (max-width: 600px) { .ty-card { padding: 36px 24px; } }
.ty-check {
  width: 80px; height: 80px;
  background: var(--green);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 28px;
  font-size: 2rem; color: #fff;
  box-shadow: var(--shadow-green);
  animation: ty-pop .6s var(--ease-out);
}
@keyframes ty-pop {
  0% { transform: scale(0); opacity: 0; }
  60% { transform: scale(1.1); }
  100% { transform: scale(1); opacity: 1; }
}
.ty-steps {
  background: var(--surface);
  border-radius: var(--r-lg);
  padding: 24px;
  text-align: left;
  margin: 28px 0;
}
.ty-step {
  display: flex; gap: 12px; align-items: flex-start;
  padding: 10px 0;
  border-bottom: 1px solid var(--border-light);
}
.ty-step:last-child { border-bottom: none; }
.ty-step-dot {
  width: 26px; height: 26px; min-width: 26px;
  background: var(--primary); border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: .68rem; font-weight: 800; color: #fff;
}
.ty-step-text { font-size: .85rem; color: var(--text-soft); line-height: 1.55; }
.ty-step-text strong { color: var(--ink); font-weight: 600; }

/* =============================================
   SERVICES PAGE
   ============================================= */
.service-detail {
  padding: 72px 0;
  border-bottom: 1px solid var(--border-light);
}
.service-detail-layout {
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 64px; align-items: center;
}
@media (max-width: 991px) { .service-detail-layout { grid-template-columns: 1fr; gap: 36px; } }

.sd-icon-wrap {
  width: 56px; height: 56px;
  border-radius: var(--r-md);
  background: var(--primary-soft);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.4rem; color: var(--primary);
  margin-bottom: 24px;
}
.sd-list { list-style: none; padding: 0; margin: 20px 0 28px; }
.sd-list li {
  display: flex; align-items: center; gap: 10px;
  font-size: .875rem; color: var(--text-soft);
  padding: 8px 0;
  border-bottom: 1px solid var(--border-light);
}
.sd-list li::before {
  content: '';
  width: 6px; height: 6px; min-width: 6px;
  background: var(--primary); border-radius: 50%;
}
.sd-list li:last-child { border-bottom: none; }

.example-card {
  background: var(--surface);
  border: 1px solid var(--border-light);
  border-radius: var(--r-xl);
  padding: 32px;
}
.example-card h5 {
  font-size: .7rem; font-weight: 700;
  text-transform: uppercase; letter-spacing: .1em;
  color: var(--muted-light); margin-bottom: 20px;
}
.ex-row {
  display: flex; justify-content: space-between; align-items: center;
  padding: 11px 0; border-bottom: 1px solid var(--border-light);
  font-size: .875rem;
}
.ex-row:last-child { border-bottom: none; }
.ex-row .ek { color: var(--text-soft); }
.ex-row .ev { font-weight: 700; color: var(--ink); }
.ex-row .ev.green { color: var(--green); }
.ex-row .ev.red { color: var(--red); }
.ex-note { font-size: .68rem; color: var(--muted-light); margin-top: 12px; line-height: 1.55; }

/* =============================================
   ABOUT PAGE
   ============================================= */
.about-mission {
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 64px; align-items: center;
}
@media (max-width: 991px) { .about-mission { grid-template-columns: 1fr; gap: 40px; } }

.about-stats-grid {
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 14px;
}
.about-stat-card {
  background: rgba(255,255,255,.06);
  border-radius: var(--r-lg);
  padding: 20px;
  text-align: center;
}
.about-stat-val { font-size: 1.75rem; font-weight: 800; color: var(--green); letter-spacing: -.04em; display: block; }
.about-stat-lbl { font-size: .72rem; color: rgba(255,255,255,.4); font-weight: 600; text-transform: uppercase; letter-spacing: .07em; }

.values-grid {
  display: grid; grid-template-columns: repeat(4, 1fr);
  gap: 20px;
}
@media (max-width: 991px) { .values-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 500px) { .values-grid { grid-template-columns: 1fr; } }

.val2-card {
  background: var(--white);
  border: 1px solid var(--border-light);
  border-radius: var(--r-xl);
  padding: 28px 24px;
  text-align: center;
  transition: all var(--t-mid) var(--ease);
}
.val2-card:hover { box-shadow: var(--shadow-lg); transform: translateY(-4px); border-color: transparent; }
.val2-icon {
  width: 56px; height: 56px;
  background: linear-gradient(135deg, var(--primary), #F87171);
  border-radius: var(--r-md);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.3rem; color: #fff;
  margin: 0 auto 18px;
}
.val2-card h4 { font-size: .9375rem; font-weight: 700; margin-bottom: 8px; letter-spacing: -.015em; }
.val2-card p { font-size: .825rem; color: var(--text-soft); line-height: 1.6; margin: 0; }

.team-img-wrap {
  border-radius: var(--r-xl);
  overflow: hidden;
  box-shadow: var(--shadow-xl);
}
.team-img-wrap img { width: 100%; height: 440px; object-fit: cover; }

/* =============================================
   LEGAL PAGES
   ============================================= */
.legal-wrap { padding: 80px 0; }
.legal-wrap h2 { font-size: 1.375rem; margin-top: 44px; margin-bottom: 12px; }
.legal-wrap h3 { font-size: 1.05rem; margin-top: 26px; margin-bottom: 8px; }
.legal-wrap p, .legal-wrap li { font-size: .9rem; color: var(--text-soft); line-height: 1.8; }
.legal-wrap ul { padding-left: 18px; margin-bottom: 14px; }
.legal-wrap ul li { margin-bottom: 5px; }
.legal-note {
  background: var(--green-soft);
  border: 1px solid rgba(0,179,126,.2);
  border-radius: var(--r-md);
  padding: 18px 22px;
  margin-bottom: 32px;
  display: flex; gap: 12px;
}
.legal-note i { color: var(--green); margin-top: 2px; }
.legal-note-text { font-size: .875rem; color: var(--ink); line-height: 1.65; }

/* =============================================
   FOOTER
   ============================================= */
footer {
  background: var(--ink);
  padding: 72px 0 0;
}
.footer-grid {
  display: grid; grid-template-columns: 2fr 1fr 1fr 1.5fr;
  gap: 48px; padding-bottom: 56px;
}
@media (max-width: 991px) { .footer-grid { grid-template-columns: 1fr 1fr; gap: 32px; } }
@media (max-width: 600px) { .footer-grid { grid-template-columns: 1fr; } }

.foot-brand {
  display: flex; align-items: center; gap: 10px;
  font-weight: 800; font-size: 1.2rem;
  color: #fff !important; letter-spacing: -.035em;
  margin-bottom: 16px;
}
.foot-mark {
  width: 32px; height: 32px;
  background: var(--primary); border-radius: 8px;
  display: flex; align-items: center; justify-content: center;
}
.foot-desc { font-size: .85rem; color: rgba(255,255,255,.45); line-height: 1.72; max-width: 260px; margin-bottom: 24px; }
.foot-socials { display: flex; gap: 8px; }
.foot-social {
  width: 34px; height: 34px;
  background: rgba(255,255,255,.06);
  border-radius: var(--r-sm);
  display: flex; align-items: center; justify-content: center;
  color: rgba(255,255,255,.45); font-size: .82rem;
  transition: all var(--t-mid) var(--ease);
}
.foot-social:hover { background: var(--primary); color: #fff; transform: translateY(-2px); }

.foot-heading {
  font-size: .68rem; font-weight: 700;
  text-transform: uppercase; letter-spacing: .12em;
  color: rgba(255,255,255,.28); margin-bottom: 18px;
}
.foot-links { list-style: none; padding: 0; }
.foot-links li { margin-bottom: 9px; }
.foot-links a {
  font-size: .85rem; color: rgba(255,255,255,.5);
  transition: all var(--t-fast) var(--ease);
}
.foot-links a:hover { color: #fff; padding-left: 4px; }

.foot-bottom {
  border-top: 1px solid rgba(255,255,255,.06);
  padding: 22px 0;
}
.foot-bottom-inner {
  display: flex; justify-content: space-between; align-items: center;
  flex-wrap: wrap; gap: 12px;
}
.foot-copy { font-size: .78rem; color: rgba(255,255,255,.32); }
.foot-legal-links { display: flex; gap: 20px; }
.foot-legal-links a { font-size: .78rem; color: rgba(255,255,255,.32); transition: color var(--t-fast) var(--ease); }
.foot-legal-links a:hover { color: rgba(255,255,255,.7); }

/* =============================================
   NOTIFICATION TOAST
   ============================================= */
.notification {
  position: fixed; bottom: 24px; right: 24px;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  padding: 16px 20px;
  box-shadow: var(--shadow-xl);
  z-index: 9999; max-width: 340px;
  display: flex; align-items: center; gap: 12px;
  transform: translateY(110px); opacity: 0;
  transition: all .3s var(--ease);
}
.notification.show { transform: translateY(0); opacity: 1; }
.notification.success .notif-icon { color: var(--green); font-size: 1.25rem; }
.notification.error .notif-icon { color: var(--red); font-size: 1.25rem; }
.notif-title { font-weight: 700; font-size: .875rem; color: var(--ink); margin-bottom: 2px; }
.notif-msg { font-size: .78rem; color: var(--text-soft); }
.notif-close { margin-left: auto; background: none; border: none; cursor: pointer; color: var(--muted-light); padding: 0 0 0 8px; font-size: .9rem; }

/* =============================================
   SCROLL ANIMATIONS
   ============================================= */
.fade-up { opacity: 0; transform: translateY(28px); transition: opacity .65s var(--ease), transform .65s var(--ease); }
.fade-up.visible { opacity: 1; transform: translateY(0); }
.delay-1 { transition-delay: .1s; }
.delay-2 { transition-delay: .2s; }
.delay-3 { transition-delay: .3s; }
.delay-4 { transition-delay: .4s; }

/* =============================================
   RESPONSIVE
   ============================================= */
@media (max-width: 991px) {
  .hero { padding: 120px 0 72px; text-align: center; }
  .hero-desc { margin-left: auto; margin-right: auto; }
  .hero-actions { justify-content: center; }
  .hero-trust { justify-content: center; }
  section { padding: 72px 0; }
  .cta-section { padding: 48px 32px; }

  /* Mobile navbar dropdown — fond solide */
  .navbar-collapse {
    background: rgba(255,255,255,.98);
    backdrop-filter: blur(24px) saturate(180%);
    -webkit-backdrop-filter: blur(24px) saturate(180%);
    border-radius: 0 0 var(--r-lg) var(--r-lg);
    padding: 12px 16px 16px;
    margin: 0 -12px;
    border-top: 1px solid var(--border-light);
    box-shadow: 0 12px 40px rgba(7,17,28,.12);
  }
  .navbar-collapse .navbar-nav .nav-link { color: var(--text-soft) !important; }
  .navbar-collapse .navbar-nav .nav-link:hover { color: var(--ink) !important; background: var(--surface); }
  .navbar-collapse .navbar-nav .nav-link.active { color: var(--primary) !important; background: var(--primary-soft); }
  .navbar-collapse .nav-phone { color: var(--text-soft) !important; }
  .navbar-collapse .d-flex { padding-top: 8px; border-top: 1px solid var(--border-light); margin-top: 4px; }
}
@media (max-width: 767px) {
  .hero h1 { font-size: 2.25rem; }
  .footer-grid { grid-template-columns: 1fr; }
  .foot-legal-links { flex-wrap: wrap; gap: 12px; }
  .loan-form-top { padding: 22px 24px; }
}