/* ============================================================
   FINANCIA — Design System & Global Styles
   Premium Financial Services Website
   ============================================================ */

/* --- Google Fonts --- */
@import url('https://fonts.googleapis.com/css2?family=Inter:wght@300;400;500;600;700&family=Playfair+Display:wght@600;700&display=swap');

/* --- CSS Variables --- */
:root {
  /* Color Palette — Fintech Modern */
  --navy:        #0F172A;
  --navy-light:  #1E293B;
  --navy-mid:    #1e3a5f;
  --blue:        #2563EB;
  --blue-light:  #3B82F6;
  --blue-muted:  #EFF6FF;
  --gold:        #10B981;
  --gold-light:  #34D399;
  --gold-muted:  #ECFDF5;
  --green:       #10B981;
  --green-light: #34D399;
  --green-muted: #ECFDF5;
  --cyan:        #22D3EE;
  --cyan-muted:  #ECFEFF;
  --mint:        #A7F3D0;
  --white:       #ffffff;
  --gray-50:     #F8FAFC;
  --gray-100:    #F1F5F9;
  --gray-200:    #E2E8F0;
  --gray-300:    #CBD5E1;
  --gray-400:    #94A3B8;
  --gray-500:    #64748B;
  --gray-600:    #475569;
  --gray-700:    #334155;
  --gray-800:    #1E293B;
  --gray-900:    #0F172A;
  --text-dark:   #111827;
  --text-body:   #374151;
  --text-muted:  #64748B;

  /* Typography */
  --font-body:    'Inter', system-ui, sans-serif;
  --font-display: 'Playfair Display', Georgia, serif;

  /* Spacing */
  --space-xs: 0.5rem;
  --space-sm: 1rem;
  --space-md: 1.5rem;
  --space-lg: 2.5rem;
  --space-xl: 4rem;
  --space-xxl: 6rem;

  /* Borders */
  --radius-sm: 6px;
  --radius-md: 12px;
  --radius-lg: 20px;
  --radius-xl: 32px;

  /* Shadows */
  --shadow-xs:  0 1px 4px rgba(10,22,40,0.06);
  --shadow-sm:  0 2px 12px rgba(10,22,40,0.08);
  --shadow-md:  0 6px 24px rgba(10,22,40,0.10);
  --shadow-lg:  0 12px 40px rgba(10,22,40,0.14);
  --shadow-xl:  0 24px 60px rgba(10,22,40,0.18);
  --shadow-gold: 0 4px 20px rgba(16,185,129,0.25);
  --shadow-blue: 0 4px 20px rgba(37,99,235,0.25);

  /* Transitions */
  --ease: cubic-bezier(0.4, 0, 0.2, 1);
  --transition: 0.25s var(--ease);
  --transition-slow: 0.45s var(--ease);
}

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

html {
  scroll-behavior: smooth;
  font-size: 16px;
}

body {
  font-family: var(--font-body);
  color: var(--text-body);
  background: var(--white);
  line-height: 1.6;
  overflow-x: hidden;
}

/* --- Scrollbar --- */
::-webkit-scrollbar { width: 6px; }
::-webkit-scrollbar-track { background: var(--gray-100); }
::-webkit-scrollbar-thumb { background: var(--blue); border-radius: 3px; }

/* ============================================================
   TYPOGRAPHY
   ============================================================ */

h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-display);
  color: var(--text-dark);
  line-height: 1.2;
  font-weight: 700;
}

h1 { font-size: clamp(2.2rem, 5vw, 3.4rem); }
h2 { font-size: clamp(1.8rem, 3.5vw, 2.6rem); }
h3 { font-size: clamp(1.3rem, 2.5vw, 1.7rem); }
h4 { font-size: 1.25rem; }

p { line-height: 1.75; color: var(--text-body); }

.text-gold { color: var(--gold); }
.text-blue { color: var(--blue); }
.text-navy { color: var(--navy); }
.text-green { color: var(--green); }
.text-muted { color: var(--text-muted) !important; }

.section-label {
  display: inline-block;
  font-family: var(--font-body);
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--green);
  background: var(--green-muted);
  border: 1px solid rgba(16,185,129,0.3);
  padding: 0.35rem 0.9rem;
  border-radius: 50px;
  margin-bottom: 1rem;
}

.section-label.blue {
  color: var(--blue);
  background: var(--blue-muted);
  border-color: rgba(29,95,168,0.2);
}

.section-label.green {
  color: var(--green);
  background: var(--green-muted);
  border-color: rgba(26,127,90,0.2);
}

.section-title {
  font-size: clamp(1.8rem, 3vw, 2.4rem);
  margin-bottom: 0.75rem;
}

.section-subtitle {
  font-size: 1.05rem;
  color: var(--text-muted);
  max-width: 540px;
  line-height: 1.7;
}

/* ============================================================
   BUTTONS
   ============================================================ */

.btn {
  font-family: var(--font-body);
  font-weight: 600;
  font-size: 0.92rem;
  border-radius: 50px;
  padding: 0.75rem 2rem;
  transition: all var(--transition);
  letter-spacing: 0.02em;
  border: 2px solid transparent;
  position: relative;
  overflow: hidden;
}

.btn::after {
  content: '';
  position: absolute;
  inset: 0;
  background: rgba(255,255,255,0.12);
  opacity: 0;
  transition: opacity var(--transition);
}

.btn:hover::after { opacity: 1; }

/* Primary */
.btn-primary {
  background: linear-gradient(135deg, var(--blue) 0%, var(--blue-light) 100%);
  color: var(--white) !important;
  border-color: transparent;
  box-shadow: var(--shadow-blue);
}
.btn-primary:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 28px rgba(37,99,235,0.35);
  background: linear-gradient(135deg, var(--blue-light) 0%, #60A5FA 100%);
}
.btn-primary:active { transform: translateY(0); }

/* Gold (remapped to green fintech) */
.btn-gold {
  background: linear-gradient(135deg, var(--green) 0%, var(--green-light) 100%);
  color: var(--white) !important;
  border-color: transparent;
  box-shadow: var(--shadow-gold);
  font-weight: 700;
}
.btn-gold:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 28px rgba(16,185,129,0.40);
}

/* Outline Navy */
.btn-outline-navy {
  background: transparent;
  color: var(--navy) !important;
  border: 2px solid var(--navy);
}
.btn-outline-navy:hover {
  background: var(--navy);
  color: var(--white) !important;
  transform: translateY(-2px);
}

/* Outline White */
.btn-outline-white {
  background: transparent;
  color: var(--white) !important;
  border: 2px solid rgba(255,255,255,0.6);
}
.btn-outline-white:hover {
  background: rgba(255,255,255,0.12);
  border-color: var(--white);
  transform: translateY(-2px);
}

/* Green (cyan fintech) */
.btn-green {
  background: linear-gradient(135deg, var(--cyan) 0%, var(--blue-light) 100%);
  color: var(--white) !important;
  border-color: transparent;
  box-shadow: 0 4px 20px rgba(34,211,238,0.3);
}
.btn-green:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 28px rgba(34,211,238,0.4);
}

/* Sizes */
.btn-lg { padding: 0.95rem 2.5rem; font-size: 1rem; }
.btn-sm { padding: 0.5rem 1.4rem; font-size: 0.82rem; }

/* ============================================================
   NAVBAR
   ============================================================ */

.navbar {
  background: transparent;
  padding: 1.2rem 0;
  transition: all 0.4s var(--ease);
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
}

.navbar.scrolled {
  background: rgba(10,22,40,0.97);
  backdrop-filter: blur(12px);
  padding: 0.8rem 0;
  box-shadow: 0 2px 20px rgba(0,0,0,0.2);
}

.navbar-brand {
  display: flex;
  align-items: center;
  gap: 0.6rem;
  text-decoration: none;
}

.brand-logo {
  width: 38px;
  height: 38px;
  background: linear-gradient(135deg, var(--blue) 0%, var(--cyan) 100%);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 800;
  font-size: 1.1rem;
  color: var(--white);
  font-family: var(--font-display);
  box-shadow: var(--shadow-blue);
  flex-shrink: 0;
}

.brand-name {
  font-family: var(--font-display);
  font-size: 1.4rem;
  font-weight: 700;
  color: var(--white);
  letter-spacing: -0.02em;
}

.brand-name span { color: var(--cyan); }

.navbar-nav .nav-link {
  color: rgba(255,255,255,0.85) !important;
  font-weight: 500;
  font-size: 0.9rem;
  padding: 0.5rem 1rem !important;
  transition: color var(--transition);
  position: relative;
}

.navbar-nav .nav-link::after {
  content: '';
  position: absolute;
  bottom: 4px;
  left: 1rem;
  right: 1rem;
  height: 2px;
  background: var(--cyan);
  border-radius: 2px;
  transform: scaleX(0);
  transform-origin: left;
  transition: transform var(--transition);
}

.navbar-nav .nav-link:hover,
.navbar-nav .nav-link.active {
  color: var(--white) !important;
}

.navbar-nav .nav-link:hover::after,
.navbar-nav .nav-link.active::after {
  transform: scaleX(1);
}

.navbar .btn-cta {
  background: linear-gradient(135deg, var(--green) 0%, var(--green-light) 100%);
  color: var(--white) !important;
  font-weight: 700;
  font-size: 0.88rem;
  padding: 0.55rem 1.4rem;
  border-radius: 50px;
  border: none;
  box-shadow: 0 4px 14px rgba(16,185,129,0.35);
  transition: all var(--transition);
  text-decoration: none;
}

.navbar .btn-cta:hover {
  transform: translateY(-1px);
  box-shadow: 0 6px 20px rgba(16,185,129,0.45);
}

.navbar-toggler {
  border: none;
  padding: 4px;
  outline: none !important;
  box-shadow: none !important;
}

.navbar-toggler-icon-custom {
  display: flex;
  flex-direction: column;
  gap: 5px;
  width: 24px;
}

.navbar-toggler-icon-custom span {
  display: block;
  height: 2px;
  background: var(--white);
  border-radius: 2px;
  transition: all var(--transition);
}

/* Mobile nav */
@media (max-width: 991px) {
  .navbar-collapse {
    background: rgba(10,22,40,0.98);
    backdrop-filter: blur(16px);
    border-radius: var(--radius-md);
    padding: 1rem 1.5rem 1.5rem;
    margin-top: 0.5rem;
    box-shadow: var(--shadow-xl);
  }

  .navbar-nav .nav-link::after { display: none; }

  .navbar .btn-cta {
    display: inline-block;
    margin-top: 0.75rem;
    padding: 0.75rem 1.8rem;
    font-size: 0.95rem;
    text-align: center;
    width: 100%;
  }
}

/* ============================================================
   HERO SECTION
   ============================================================ */

.hero {
  min-height: 100vh;
  background: linear-gradient(135deg, var(--navy) 0%, #0d2244 55%, #0a3d52 100%);
  position: relative;
  display: flex;
  align-items: center;
  overflow: hidden;
}

.hero::before {
  content: '';
  position: absolute;
  top: -20%;
  right: -10%;
  width: 700px;
  height: 700px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(37,99,235,0.35) 0%, transparent 70%);
  pointer-events: none;
}

.hero::after {
  content: '';
  position: absolute;
  bottom: -15%;
  left: -5%;
  width: 500px;
  height: 500px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(16,185,129,0.18) 0%, transparent 70%);
  pointer-events: none;
}

.hero-content { position: relative; z-index: 2; padding-top: 7rem; padding-bottom: 5rem; }

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  background: rgba(16,185,129,0.15);
  border: 1px solid rgba(16,185,129,0.4);
  border-radius: 50px;
  padding: 0.4rem 1rem;
  font-size: 0.8rem;
  font-weight: 600;
  color: var(--mint);
  letter-spacing: 0.05em;
  margin-bottom: 1.5rem;
}

.hero-title {
  font-size: clamp(2.4rem, 5.5vw, 3.8rem);
  color: var(--white);
  line-height: 1.12;
  margin-bottom: 1.25rem;
}

.hero-title .accent { color: var(--cyan); }

.hero-subtitle {
  font-size: 1.1rem;
  color: rgba(255,255,255,0.75);
  max-width: 520px;
  line-height: 1.8;
  margin-bottom: 2rem;
}

.hero-actions { display: flex; gap: 1rem; flex-wrap: wrap; margin-bottom: 3rem; }

/* Trust badges */
.hero-trust {
  display: flex;
  gap: 1.5rem;
  flex-wrap: wrap;
}

.trust-item {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  font-size: 0.82rem;
  color: rgba(255,255,255,0.7);
  font-weight: 500;
}

.trust-item i {
  color: var(--green-light);
  font-size: 0.9rem;
}

/* Hero card */
.hero-card {
  background: rgba(255,255,255,0.06);
  backdrop-filter: blur(20px);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: var(--radius-xl);
  padding: 2.5rem;
  position: relative;
  z-index: 2;
}

.hero-card-title {
  color: var(--white);
  font-size: 1.3rem;
  margin-bottom: 0.5rem;
}

.hero-card-sub {
  color: rgba(255,255,255,0.6);
  font-size: 0.88rem;
  margin-bottom: 1.5rem;
}

.stat-row {
  display: flex;
  gap: 1rem;
  margin-top: 1.5rem;
}

.stat-item {
  flex: 1;
  background: rgba(255,255,255,0.07);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: var(--radius-md);
  padding: 1rem;
  text-align: center;
}

.stat-number {
  font-family: var(--font-display);
  font-size: 1.6rem;
  font-weight: 700;
  color: var(--cyan);
  display: block;
}

.stat-label {
  font-size: 0.75rem;
  color: rgba(255,255,255,0.6);
  line-height: 1.3;
  margin-top: 0.2rem;
}

/* ============================================================
   SECTIONS BASE
   ============================================================ */

section { padding: var(--space-xxl) 0; }
section.py-xl { padding: var(--space-xl) 0; }

.section-alt { background: var(--gray-50); }
.section-dark {
  background: linear-gradient(135deg, var(--navy) 0%, #0d2244 60%, #0a3d52 100%);
  color: var(--white);
}
.section-dark h2, .section-dark h3, .section-dark h4 { color: var(--white); }
.section-dark p, .section-dark .section-subtitle { color: rgba(255,255,255,0.7); }

.divider {
  width: 60px;
  height: 3px;
  background: linear-gradient(90deg, var(--blue) 0%, var(--cyan) 100%);
  border-radius: 3px;
  margin: 1rem 0 1.5rem;
}

.divider.mx-auto { margin-left: auto; margin-right: auto; }

/* ============================================================
   CARDS
   ============================================================ */

.card-premium {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-lg);
  padding: 2rem;
  transition: all var(--transition-slow);
  box-shadow: var(--shadow-sm);
  height: 100%;
}

.card-premium:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-lg);
  border-color: rgba(29,95,168,0.2);
}

.card-icon {
  width: 60px;
  height: 60px;
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  margin-bottom: 1.25rem;
  flex-shrink: 0;
}

.card-icon.blue { background: var(--blue-muted); color: var(--blue); }
.card-icon.gold { background: var(--gold-muted); color: var(--gold); }
.card-icon.green { background: var(--green-muted); color: var(--green); }
.card-icon.navy { background: rgba(10,22,40,0.08); color: var(--navy); }

.card-premium h4 {
  font-size: 1.15rem;
  margin-bottom: 0.6rem;
}

.card-premium p {
  font-size: 0.9rem;
  color: var(--text-muted);
  line-height: 1.7;
  margin-bottom: 0;
}

/* Service cards */
.service-card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-lg);
  padding: 2rem 1.75rem;
  transition: all var(--transition-slow);
  box-shadow: var(--shadow-sm);
  height: 100%;
  position: relative;
  overflow: hidden;
}

.service-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--blue) 0%, var(--cyan) 100%);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform var(--transition);
}

.service-card:hover::before { transform: scaleX(1); }

.service-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-lg);
}

/* ============================================================
   WHY CHOOSE US
   ============================================================ */

.why-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 1.5rem;
}

.why-item {
  display: flex;
  gap: 1rem;
  align-items: flex-start;
  padding: 1.5rem;
  background: var(--white);
  border-radius: var(--radius-md);
  border: 1px solid var(--gray-200);
  transition: all var(--transition);
  box-shadow: var(--shadow-xs);
}

.why-item:hover {
  box-shadow: var(--shadow-md);
  border-color: rgba(29,95,168,0.15);
  transform: translateY(-3px);
}

.why-icon {
  width: 48px;
  height: 48px;
  background: var(--blue-muted);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.2rem;
  color: var(--blue);
  flex-shrink: 0;
}

/* ============================================================
   PROCESS STEPS
   ============================================================ */

.process-steps {
  position: relative;
}

.process-line {
  position: absolute;
  top: 36px;
  left: calc(16.66% + 24px);
  right: calc(16.66% + 24px);
  height: 2px;
  background: linear-gradient(90deg, var(--blue-muted) 0%, var(--gold-muted) 100%);
  z-index: 0;
}

.process-step {
  position: relative;
  z-index: 1;
  text-align: center;
}

.step-number {
  width: 72px;
  height: 72px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--blue) 0%, var(--cyan) 100%);
  color: var(--white);
  font-family: var(--font-display);
  font-size: 1.6rem;
  font-weight: 700;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 1.25rem;
  box-shadow: 0 4px 20px rgba(37,99,235,0.3);
  transition: transform var(--transition);
}

.process-step:hover .step-number { transform: scale(1.08); }

.process-step h5 {
  font-size: 1.05rem;
  margin-bottom: 0.5rem;
}

.process-step p {
  font-size: 0.88rem;
  color: var(--text-muted);
}

/* ============================================================
   TESTIMONIALS
   ============================================================ */

.testimonial-card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-lg);
  padding: 2rem;
  box-shadow: var(--shadow-sm);
  transition: all var(--transition-slow);
  height: 100%;
}

.testimonial-card:hover {
  box-shadow: var(--shadow-md);
  transform: translateY(-4px);
}

.testimonial-stars { color: var(--green-light); font-size: 0.9rem; margin-bottom: 1rem; }

.testimonial-text {
  font-size: 0.95rem;
  line-height: 1.75;
  color: var(--text-body);
  font-style: italic;
  margin-bottom: 1.25rem;
}

.testimonial-author { display: flex; align-items: center; gap: 0.75rem; }

.author-avatar {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--blue-muted) 0%, var(--blue) 100%);
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 0.9rem;
  color: var(--white);
  flex-shrink: 0;
}

.author-name {
  font-weight: 600;
  font-size: 0.9rem;
  color: var(--text-dark);
  margin-bottom: 0.1rem;
}

.author-role { font-size: 0.8rem; color: var(--text-muted); }

/* ============================================================
   FAQ
   ============================================================ */

.faq-item {
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-md);
  overflow: hidden;
  margin-bottom: 0.75rem;
  transition: box-shadow var(--transition);
}

.faq-item:hover { box-shadow: var(--shadow-sm); }

.faq-question {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 1.1rem 1.4rem;
  cursor: pointer;
  font-weight: 600;
  font-size: 0.95rem;
  color: var(--text-dark);
  background: var(--white);
  transition: background var(--transition);
  border: none;
  width: 100%;
  text-align: left;
}

.faq-question:hover { background: var(--gray-50); }

.faq-icon {
  width: 24px;
  height: 24px;
  border-radius: 50%;
  background: var(--green-muted);
  color: var(--green);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.75rem;
  flex-shrink: 0;
  transition: all var(--transition);
}

.faq-item.open .faq-icon {
  background: var(--green);
  color: var(--white);
  transform: rotate(45deg);
}

.faq-answer {
  display: none;
  padding: 0 1.4rem 1.1rem;
  font-size: 0.9rem;
  color: var(--text-muted);
  line-height: 1.75;
  border-top: 1px solid var(--gray-100);
}

.faq-answer.show { display: block; }

/* ============================================================
   NUMBERS / STATS
   ============================================================ */

.stats-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(160px, 1fr));
  gap: 1.5rem;
}

.stat-card {
  text-align: center;
  padding: 2rem 1.5rem;
  border-radius: var(--radius-lg);
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.1);
  transition: all var(--transition);
}

.stat-card:hover {
  background: rgba(255,255,255,0.1);
  transform: translateY(-4px);
}

.stat-card .number {
  font-family: var(--font-display);
  font-size: 2.5rem;
  font-weight: 700;
  color: var(--cyan);
  line-height: 1;
  display: block;
  margin-bottom: 0.5rem;
}

.stat-card .label {
  font-size: 0.88rem;
  color: rgba(255,255,255,0.65);
  font-weight: 500;
}

/* ============================================================
   TEAM CARDS
   ============================================================ */

.team-card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  transition: all var(--transition-slow);
  text-align: center;
}

.team-card:hover {
  box-shadow: var(--shadow-lg);
  transform: translateY(-6px);
}

.team-avatar {
  width: 100%;
  height: 200px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 3.5rem;
  font-weight: 700;
  font-family: var(--font-display);
  color: var(--white);
}

.team-info { padding: 1.5rem; }

.team-name { font-size: 1.1rem; margin-bottom: 0.25rem; }
.team-title { font-size: 0.85rem; color: var(--green); font-weight: 600; }
.team-desc { font-size: 0.85rem; color: var(--text-muted); margin-top: 0.5rem; margin-bottom: 0; }

/* ============================================================
   FORMS
   ============================================================ */

.form-premium {
  background: var(--white);
  border-radius: var(--radius-xl);
  padding: 2.5rem;
  box-shadow: var(--shadow-xl);
  border: 1px solid var(--gray-200);
}

.form-label {
  font-weight: 600;
  font-size: 0.88rem;
  color: var(--text-dark);
  margin-bottom: 0.4rem;
}

.form-control, .form-select {
  border: 1.5px solid var(--gray-300);
  border-radius: var(--radius-sm);
  padding: 0.75rem 1rem;
  font-size: 0.93rem;
  color: var(--text-dark);
  transition: all var(--transition);
  background: var(--white);
}

.form-control:focus, .form-select:focus {
  border-color: var(--blue);
  box-shadow: 0 0 0 3px rgba(29,95,168,0.12);
  outline: none;
}

.form-control.is-invalid, .form-select.is-invalid {
  border-color: #dc3545;
  box-shadow: 0 0 0 3px rgba(220,53,69,0.1);
}

.form-control.is-valid, .form-select.is-valid {
  border-color: var(--green);
  box-shadow: 0 0 0 3px rgba(26,127,90,0.1);
}

.invalid-feedback {
  font-size: 0.8rem;
  color: #dc3545;
  margin-top: 0.3rem;
  display: none;
}

.invalid-feedback.show { display: block; }

.form-check-input {
  width: 18px;
  height: 18px;
  border: 2px solid var(--gray-400);
  border-radius: 4px;
  cursor: pointer;
  margin-top: 0.15rem;
}

.form-check-input:checked {
  background-color: var(--blue);
  border-color: var(--blue);
}

.form-check-label {
  font-size: 0.88rem;
  color: var(--text-body);
  cursor: pointer;
}

/* Trust badges near form */
.trust-badges {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0.75rem;
}

.trust-badge {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.75rem;
  background: var(--gray-50);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-sm);
  font-size: 0.8rem;
  color: var(--text-body);
  font-weight: 500;
}

.trust-badge i { color: var(--green); font-size: 0.95rem; }

/* Loan amount display */
.amount-display {
  font-family: var(--font-display);
  font-size: 2.2rem;
  font-weight: 700;
  background: linear-gradient(135deg, var(--blue) 0%, var(--cyan) 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
  text-align: center;
  margin-bottom: 0.5rem;
}

/* ============================================================
   CTA SECTIONS
   ============================================================ */

.cta-section {
  background: linear-gradient(135deg, var(--navy) 0%, #0d2244 50%, #0a3d52 100%);
  position: relative;
  overflow: hidden;
}

.cta-section::before {
  content: '';
  position: absolute;
  top: -50%;
  right: -10%;
  width: 500px;
  height: 500px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(16,185,129,0.18) 0%, transparent 65%);
  pointer-events: none;
}

/* ============================================================
   CONTACT
   ============================================================ */

.contact-info-card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-lg);
  padding: 1.5rem;
  display: flex;
  gap: 1rem;
  align-items: flex-start;
  box-shadow: var(--shadow-xs);
  transition: all var(--transition);
  margin-bottom: 1rem;
}

.contact-info-card:hover {
  box-shadow: var(--shadow-md);
  transform: translateX(4px);
}

.contact-icon {
  width: 48px;
  height: 48px;
  border-radius: var(--radius-sm);
  background: var(--blue-muted);
  color: var(--blue);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.2rem;
  flex-shrink: 0;
}

.contact-detail h6 {
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--text-muted);
  text-transform: uppercase;
  letter-spacing: 0.06em;
  margin-bottom: 0.25rem;
}

.contact-detail p {
  font-size: 0.95rem;
  color: var(--text-dark);
  font-weight: 500;
  margin: 0;
}

/* Map placeholder */
.map-placeholder {
  width: 100%;
  height: 300px;
  background: linear-gradient(135deg, var(--blue-muted) 0%, #d8e8f5 100%);
  border-radius: var(--radius-lg);
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  border: 1px solid var(--gray-200);
  color: var(--blue);
  font-size: 2.5rem;
  gap: 0.75rem;
  overflow: hidden;
  position: relative;
}

.map-placeholder p {
  font-size: 0.9rem;
  color: var(--text-muted);
  margin: 0;
  font-weight: 500;
}

/* ============================================================
   PAGE HEADERS
   ============================================================ */

.page-hero {
  background: linear-gradient(135deg, var(--navy) 0%, #0d2244 60%, #0a3d52 100%);
  padding: 9rem 0 5rem;
  position: relative;
  overflow: hidden;
}

.page-hero::before {
  content: '';
  position: absolute;
  top: 0; right: 0; bottom: 0; left: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.02'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}

.page-hero-content { position: relative; z-index: 1; text-align: center; }

.page-hero h1 { color: var(--white); font-size: clamp(2rem, 4vw, 3rem); }
.page-hero p { color: rgba(255,255,255,0.75); font-size: 1.05rem; max-width: 560px; margin: 0 auto; }

.breadcrumb-nav {
  display: flex;
  justify-content: center;
  gap: 0.5rem;
  font-size: 0.82rem;
  color: rgba(255,255,255,0.5);
  margin-bottom: 1rem;
}

.breadcrumb-nav a { color: rgba(255,255,255,0.65); text-decoration: none; transition: color var(--transition); }
.breadcrumb-nav a:hover { color: var(--cyan); }
.breadcrumb-nav span { color: var(--cyan); }

/* ============================================================
   THANK YOU PAGE
   ============================================================ */

.thankyou-section {
  min-height: 100vh;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 100%);
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 2rem;
  position: relative;
  overflow: hidden;
}

.thankyou-card {
  background: var(--white);
  border-radius: var(--radius-xl);
  padding: 3rem 2.5rem;
  max-width: 560px;
  width: 100%;
  text-align: center;
  box-shadow: var(--shadow-xl);
  position: relative;
  z-index: 1;
}

.success-icon {
  width: 90px;
  height: 90px;
  background: var(--green-muted);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 1.75rem;
  font-size: 2.5rem;
  color: var(--green);
  animation: pop 0.6s cubic-bezier(0.34, 1.56, 0.64, 1);
}

@keyframes pop {
  0% { transform: scale(0); opacity: 0; }
  100% { transform: scale(1); opacity: 1; }
}

/* ============================================================
   FOOTER
   ============================================================ */

.footer {
  background: var(--navy);
  color: rgba(255,255,255,0.7);
  padding: 4rem 0 0;
}

.footer-brand { margin-bottom: 1.25rem; }

.footer-desc {
  font-size: 0.88rem;
  color: rgba(255,255,255,0.5);
  line-height: 1.8;
  max-width: 280px;
}

.footer-title {
  font-family: var(--font-body);
  font-size: 0.75rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  color: var(--cyan);
  margin-bottom: 1.25rem;
}

.footer-links { list-style: none; padding: 0; margin: 0; }

.footer-links li { margin-bottom: 0.6rem; }

.footer-links a {
  color: rgba(255,255,255,0.55);
  text-decoration: none;
  font-size: 0.88rem;
  transition: color var(--transition);
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
}

.footer-links a:hover { color: var(--white); }
.footer-links a:hover i { color: var(--gold); }

.footer-contact-item {
  display: flex;
  gap: 0.6rem;
  align-items: flex-start;
  font-size: 0.85rem;
  color: rgba(255,255,255,0.55);
  margin-bottom: 0.75rem;
}

.footer-contact-item i { color: var(--green-light); margin-top: 0.1rem; flex-shrink: 0; }

.footer-social {
  display: flex;
  gap: 0.6rem;
  margin-top: 0.75rem;
}

.social-btn {
  width: 36px;
  height: 36px;
  border-radius: 8px;
  background: rgba(255,255,255,0.07);
  border: 1px solid rgba(255,255,255,0.1);
  display: flex;
  align-items: center;
  justify-content: center;
  color: rgba(255,255,255,0.55);
  text-decoration: none;
  font-size: 0.9rem;
  transition: all var(--transition);
}

.social-btn:hover {
  background: var(--green);
  color: var(--white);
  border-color: var(--green);
  transform: translateY(-2px);
}

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.07);
  padding: 1.25rem 0;
  margin-top: 3rem;
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 0.75rem;
  font-size: 0.8rem;
  color: rgba(255,255,255,0.35);
}

.footer-bottom a {
  color: rgba(255,255,255,0.4);
  text-decoration: none;
  transition: color var(--transition);
}

.footer-bottom a:hover { color: var(--gold); }

.footer-legal { display: flex; gap: 1.5rem; flex-wrap: wrap; }

/* ============================================================
   MOBILE STICKY CTA
   ============================================================ */

.sticky-cta {
  position: fixed;
  bottom: 1.25rem;
  left: 50%;
  transform: translateX(-50%);
  z-index: 999;
  display: none;
  animation: slideUp 0.4s var(--ease);
}

@keyframes slideUp {
  from { transform: translateX(-50%) translateY(100%); opacity: 0; }
  to   { transform: translateX(-50%) translateY(0); opacity: 1; }
}

@media (max-width: 767px) {
  .sticky-cta { display: block; }
}

.sticky-cta .btn {
  white-space: nowrap;
  padding: 0.85rem 2rem;
  font-size: 0.95rem;
  box-shadow: 0 8px 30px rgba(10,22,40,0.3);
}

/* ============================================================
   SCROLL ANIMATIONS
   ============================================================ */

.reveal {
  opacity: 0;
  transform: translateY(28px);
  transition: opacity 0.65s var(--ease), transform 0.65s var(--ease);
}

.reveal.visible {
  opacity: 1;
  transform: translateY(0);
}

.reveal-left {
  opacity: 0;
  transform: translateX(-28px);
  transition: opacity 0.65s var(--ease), transform 0.65s var(--ease);
}

.reveal-left.visible { opacity: 1; transform: translateX(0); }

.reveal-right {
  opacity: 0;
  transform: translateX(28px);
  transition: opacity 0.65s var(--ease), transform 0.65s var(--ease);
}

.reveal-right.visible { opacity: 1; transform: translateX(0); }

/* Staggered delays */
.delay-1 { transition-delay: 0.1s; }
.delay-2 { transition-delay: 0.2s; }
.delay-3 { transition-delay: 0.3s; }
.delay-4 { transition-delay: 0.4s; }
.delay-5 { transition-delay: 0.5s; }

/* ============================================================
   UTILITIES
   ============================================================ */

.bg-navy { background: var(--navy); }
.bg-blue-muted { background: var(--blue-muted); }
.border-gold { border-color: var(--gold) !important; }

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

.shadow-premium { box-shadow: var(--shadow-lg) !important; }

hr.divider-line {
  border: none;
  height: 1px;
  background: var(--gray-200);
  margin: 1.5rem 0;
}

/* Gradient text */
.gradient-text {
  background: linear-gradient(135deg, var(--blue) 0%, var(--cyan) 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

/* ============================================================
   RESPONSIVE ADJUSTMENTS
   ============================================================ */

@media (max-width: 991px) {
  section { padding: 4rem 0; }
  .hero-content { padding-top: 6rem; }
  .process-line { display: none; }
  .hero-trust { gap: 1rem; }
}

@media (max-width: 767px) {
  h1 { font-size: 2rem; }
  h2 { font-size: 1.7rem; }
  .hero-actions .btn { width: 100%; text-align: center; }
  .hero-trust { justify-content: center; }
  .trust-badges { grid-template-columns: 1fr; }
  .stats-grid { grid-template-columns: 1fr 1fr; }
  .form-premium { padding: 1.5rem; }
  .footer-bottom { flex-direction: column; text-align: center; }
}

@media (max-width: 480px) {
  .hero-card { padding: 1.5rem; }
  .stat-row { gap: 0.5rem; }
  .why-grid { grid-template-columns: 1fr; }
}