.animated-services .animated-cards-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 32px;
  margin-top: 32px;
}

.animated-service-card {
  opacity: 0;
  transform: translateY(40px) scale(0.98);
  animation: serviceCardFadeIn 0.7s cubic-bezier(.4,1.4,.6,1) forwards;
  animation-delay: var(--card-delay, 0s);
  will-change: opacity, transform;
  transition: box-shadow 0.3s, transform 0.3s;
}

.animated-service-card:hover {
  box-shadow: 0 10px 32px rgba(11,31,58,0.13), 0 2px 8px rgba(200,160,77,0.10);
  transform: translateY(-6px) scale(1.03) rotate(-1deg);
  z-index: 2;
}

@keyframes serviceCardFadeIn {
  0% { opacity: 0; transform: translateY(40px) scale(0.98); }
  80% { opacity: 1; transform: translateY(-8px) scale(1.02); }
  100% { opacity: 1; transform: translateY(0) scale(1); }
}

.animated-service-card .service-icon-wrapper {
  background: linear-gradient(135deg, #0a1628 60%, #c8a04d 100%);
  box-shadow: 0 4px 16px rgba(11,31,58,0.10);
  border-radius: 16px;
  width: 56px;
  height: 56px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 18px;
  font-size: 2rem;
  color: #fff;
  transition: background 0.3s, color 0.3s, transform 0.3s;
}

.animated-service-card:hover .service-icon-wrapper {
  background: linear-gradient(135deg, #c8a04d 60%, #0a1628 100%);
  color: #0a1628;
  transform: scale(1.08) rotate(-6deg);
}

.animated-service-card .service-bg-icon {
  font-size: 7rem;
  color: rgba(200,160,77,0.07);
  position: absolute;
  bottom: -18px;
  right: -18px;
  pointer-events: none;
  transition: color 0.3s, transform 0.3s;
}

.animated-service-card:hover .service-bg-icon {
  color: rgba(200,160,77,0.13);
  transform: scale(1.08) rotate(4deg);
}

@media (max-width: 900px) {
  .animated-services .animated-cards-grid {
    grid-template-columns: 1fr 1fr;
    gap: 20px;
  }
}

@media (max-width: 600px) {
  .animated-services .animated-cards-grid {
    grid-template-columns: 1fr;
    gap: 16px;
  }
}
:root {
  --color-navy: #0b1f3a;
  --color-navy-700: #0f2b52;
  --color-gold: #c8a04d;
  --color-gold-100: #f6eddc;
  --color-ink: #0d1220;
  --color-muted: #566072;
  --color-bg: #ffffff;
  --color-surface: #f5f7fb;
  --color-border: #e2e6ef;
  --shadow-soft: 0 18px 40px rgba(11, 31, 58, 0.12);
  --shadow-card: 0 10px 24px rgba(11, 31, 58, 0.08);
  --radius-lg: 24px;
  --radius-md: 16px;
  --radius-sm: 10px;
  --container-width: 1200px;
}

* {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

html,
body {
  font-family: "Space Grotesk", sans-serif;
  color: var(--color-ink);
  background: var(--color-bg);
  line-height: 1.6;
  overflow-x: hidden;
}

img {
  max-width: 100%;
  display: block;
}

a {
  color: inherit;
  text-decoration: none;
}

ul {
  list-style: none;
}

button {
  font-family: inherit;
}

.container {
  width: min(100% - 32px, var(--container-width));
    scroll-behavior: smooth;
  margin: 0 auto;
}

/* Account for fixed header */
main#main {
  padding-top: 80px;
}

.skip-link {
  position: absolute;
  top: -40px;
  left: 16px;
  background: var(--color-navy);
  color: #fff;
    transition: box-shadow 0.3s ease, background 0.3s ease;
  padding: 8px 12px;
  border-radius: 6px;
  z-index: 20;
}

.skip-link:focus {
  top: 12px;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 10;
  background: linear-gradient(120deg, rgba(255, 255, 255, 0.96), rgba(245, 238, 224, 0.92), rgba(236, 244, 255, 0.95));
  background-size: 200% 200%;
  border-bottom: 1px solid var(--color-border);
  backdrop-filter: blur(12px);
  transition: transform 0.3s ease, box-shadow 0.3s ease;
  animation: headerShift 10s ease-in-out infinite;
}

.site-header::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(120deg, transparent, rgba(200, 160, 77, 0.18), transparent);
  opacity: 0.6;
  transform: translateX(-80%);
  animation: headerSheen 8s ease-in-out infinite;
  pointer-events: none;
}

.header-inner {
  display: grid;
  grid-template-columns: auto 1fr auto;
  align-items: center;
  gap: 18px;
  padding: 12px 0;
}

.brand {
    transition: width 0.3s ease;
  display: flex;
  align-items: center;
  gap: 12px;
  position: relative;
  padding-bottom: 6px;
    transition: transform 0.3s ease;
}

.brand::after {
  content: "";
  position: absolute;
  left: 0;
  bottom: 0;
  width: 52px;
  height: 3px;
  background: var(--color-gold);
  border-radius: 999px;
  transition: width 0.3s ease;
}

.brand-mark {
  height: clamp(80px, 7vw, 130px);
  width: auto;
  transition: transform 0.3s ease;
}

.brand-name {
  height: clamp(24px, 2.8vw, 40px);
  width: auto;
  transition: transform 0.3s ease;
}

.brand:hover {
  transform: translateY(-1px);
}

.brand:hover::after {
  width: 72px;
}

.brand:hover .brand-mark,
.brand:hover .brand-name {
  transform: translateY(-1px);
}

.nav {
  justify-self: center;
}

.nav-list {
  display: flex;
  gap: 18px;
  align-items: center;
  font-weight: 500;
  color: var(--color-muted);
}

.nav-list li {
  position: relative;
}

.nav-item {
  position: relative;
}

.nav-parent {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: none;
  border: none;
  color: inherit;
  font-size: 1rem;
  font-weight: 500;
  padding: 8px 12px;
  cursor: pointer;
  border-bottom: 2px solid transparent;
  border-radius: 999px;
  transition: color 0.2s ease, border-color 0.2s ease, background 0.25s ease,
    transform 0.2s ease;
}

.nav-item:hover .nav-parent,
.nav-parent:focus {
  color: var(--color-navy);
  border-bottom-color: transparent;
  background: rgba(200, 160, 77, 0.16);
  transform: translateY(-1px);
}

.submenu {
  position: absolute;
  top: calc(100% + 8px);
  left: 50%;
  min-width: 260px;
  background: linear-gradient(150deg, rgba(255, 255, 255, 0.98), rgba(246, 237, 220, 0.92));
  border: 1px solid rgba(11, 31, 58, 0.12);
  border-radius: 14px;
  box-shadow: 0 22px 42px rgba(11, 31, 58, 0.18);
  padding: 12px;
  display: none;
  z-index: 20;
  opacity: 0;
  transform: translate(-50%, 10px) scale(0.98);
  transition: opacity 0.2s ease, transform 0.2s ease;
  backdrop-filter: blur(10px);
}

.submenu::before {
  content: "";
  position: absolute;
  top: -6px;
  left: 50%;
  width: 12px;
  height: 12px;
  background: inherit;
  border-left: 1px solid rgba(11, 31, 58, 0.12);
  border-top: 1px solid rgba(11, 31, 58, 0.12);
  transform: translateX(-50%) rotate(45deg);
}

.submenu::after {
  content: "";
  position: absolute;
  left: 0;
  right: 0;
  top: -12px;
  height: 14px;
}

.submenu a {
  display: block;
  padding: 8px 10px;
  border-radius: 10px;
  color: var(--color-muted);
  transition: background 0.2s ease, color 0.2s ease, transform 0.2s ease;
}

.submenu a:hover,
.submenu a:focus {
  background: var(--color-surface);
  color: var(--color-navy);
  transform: translateX(4px);
}

.nav-item:hover .submenu,
.nav-item:focus-within .submenu {
  display: block;
  opacity: 1;
  transform: translate(-50%, 0) scale(1);
}

.nav-item:not(:hover):not(:focus-within) .submenu {
  transition-delay: 0.6s;
}

.nav-list a {
  position: relative;
  padding: 8px 12px;
  border-bottom: 2px solid transparent;
  border-radius: 999px;
  transition: color 0.2s ease, border-color 0.2s ease, background 0.25s ease,
    transform 0.2s ease;
}

.nav-list a:hover,
.nav-list a:focus {
  color: var(--color-navy);
  border-bottom-color: transparent;
  background: rgba(11, 31, 58, 0.06);
  transform: translateY(-1px);
}

.nav-list a::after,
.nav-parent::after {
  content: "";
  position: absolute;
  left: 0;
  bottom: -6px;
  width: 100%;
  height: 3px;
  background: linear-gradient(90deg, transparent, var(--color-gold), var(--color-navy), transparent);
  opacity: 0;
  transform: scaleX(0.2);
  transition: opacity 0.2s ease, transform 0.2s ease;
}

.nav-list a:hover::after,
.nav-list a:focus::after,
.nav-item:hover .nav-parent::after,
.nav-parent:focus::after {
  opacity: 1;
  transform: scaleX(1);
}

.nav-toggle {
  display: none;
  border: 1px solid var(--color-border);
  background: #fff;
  padding: 8px 12px;
  border-radius: 8px;
  font-weight: 600;
}

.header-cta {
  white-space: nowrap;
}

.badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--color-gold-100);
  color: var(--color-navy);
  padding: 6px 14px;
  border-radius: 999px;
  font-weight: 600;
  letter-spacing: 0.3px;
}

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 12px 22px;
  border-radius: 999px;
  font-weight: 600;
  transition: transform 0.2s ease, box-shadow 0.2s ease, background 0.2s ease;
}

.btn-primary {
  background: var(--color-navy);
  color: #fff;
  box-shadow: var(--shadow-card);
}

.btn-primary:hover {
  transform: translateY(-2px) scale(1.01);
  box-shadow: 0 14px 28px rgba(11, 31, 58, 0.2);
}

.btn-outline {
  border: 1px solid var(--color-navy);
  color: var(--color-navy);
  background: transparent;
}

.btn-outline:hover {
  background: var(--color-navy);
  color: #fff;
}

.section {
  padding: 80px 0;
}

.section-title {
  font-family: "Poppins", sans-serif;
  font-size: clamp(1.8rem, 2.8vw, 2.6rem);
  color: var(--color-navy);
  margin-bottom: 14px;
}

.section-subtitle {
  color: var(--color-muted);
  max-width: 720px;
}

/* ===== CLEAN HERO SECTION ===== */
.hero-clean {
  position: relative;
  min-height: 100vh;
  display: flex;
  flex-direction: column;
  justify-content: center;
  padding: 100px 0 80px;
  margin-top: -80px;
  overflow: hidden;
}

/* Background Layers */
.hero-clean-bg {
  position: absolute;
  inset: 0;
  z-index: 0;
}

.hero-bg-image {
  position: absolute;
  inset: 0;
  background-image: url('../images/posters/home-hero-bg.png');
  background-size: cover;
  background-position: center right;
  background-repeat: no-repeat;
}

.hero-bg-overlay {
  position: absolute;
  inset: 0;
  background: linear-gradient(
    105deg,
    rgba(10, 22, 40, 0.97) 0%,
    rgba(10, 22, 40, 0.95) 35%,
    rgba(10, 22, 40, 0.7) 55%,
    rgba(10, 22, 40, 0.3) 75%,
    rgba(10, 22, 40, 0.1) 100%
  );
}

.hero-diagonal-shape {
  position: absolute;
  top: 0;
  left: 0;
  width: 60%;
  height: 100%;
  background: linear-gradient(135deg, #0a1628 0%, #0f2544 100%);
  clip-path: polygon(0 0, 100% 0, 70% 100%, 0 100%);
  z-index: 1;
}

.hero-diagonal-shape::after {
  content: '';
  position: absolute;
  top: 0;
  right: -50px;
  width: 100px;
  height: 100%;
  background: linear-gradient(135deg, rgba(200, 160, 77, 0.2), transparent);
  filter: blur(30px);
}

/* Floating Decorative Elements */
.hero-floating-elements {
  position: absolute;
  inset: 0;
  z-index: 2;
  pointer-events: none;
  overflow: hidden;
}

.float-circle {
  position: absolute;
  border-radius: 50%;
  border: 2px solid rgba(200, 160, 77, 0.2);
  animation: floatRotate 20s linear infinite;
}

.float-circle.circle-1 {
  width: 300px;
  height: 300px;
  top: 10%;
  left: 5%;
  border-style: dashed;
  animation-duration: 30s;
}

.float-circle.circle-2 {
  width: 150px;
  height: 150px;
  bottom: 20%;
  left: 25%;
  border-color: rgba(59, 130, 246, 0.15);
  animation-direction: reverse;
  animation-duration: 25s;
}

.float-circle.circle-3 {
  width: 80px;
  height: 80px;
  top: 30%;
  left: 40%;
  border-color: rgba(16, 185, 129, 0.2);
  animation-duration: 15s;
}

@keyframes floatRotate {
  from { transform: rotate(0deg); }
  to { transform: rotate(360deg); }
}

.float-sparkle {
  position: absolute;
  font-size: 1.5rem;
  color: rgba(200, 160, 77, 0.4);
  animation: sparkleFloat 4s ease-in-out infinite;
}

.float-sparkle.sparkle-1 {
  top: 15%;
  left: 35%;
  animation-delay: 0s;
}

.float-sparkle.sparkle-2 {
  top: 60%;
  left: 8%;
  color: rgba(59, 130, 246, 0.4);
  animation-delay: 1s;
}

.float-sparkle.sparkle-3 {
  top: 75%;
  left: 30%;
  color: rgba(16, 185, 129, 0.4);
  animation-delay: 2s;
}

@keyframes sparkleFloat {
  0%, 100% { 
    transform: translateY(0) scale(1);
    opacity: 0.4;
  }
  50% { 
    transform: translateY(-20px) scale(1.2);
    opacity: 0.8;
  }
}

/* Live Activity Indicator */
.hero-live-activity {
  position: absolute;
  top: 100px;
  right: 40px;
  display: flex;
  align-items: center;
  gap: 10px;
  background: rgba(255, 255, 255, 0.1);
  backdrop-filter: blur(10px);
  padding: 10px 20px;
  border-radius: 30px;
  border: 1px solid rgba(255, 255, 255, 0.15);
  z-index: 10;
  animation: slideInRight 0.8s ease-out 0.5s both;
}

.live-dot {
  width: 10px;
  height: 10px;
  background: #10b981;
  border-radius: 50%;
  animation: livePulse 2s ease-in-out infinite;
}

@keyframes livePulse {
  0%, 100% { opacity: 1; transform: scale(1); }
  50% { opacity: 0.5; transform: scale(1.3); }
}

.hero-live-activity span {
  color: rgba(255, 255, 255, 0.8);
  font-size: 0.85rem;
}

.hero-live-activity strong {
  color: #fff;
}

.hero-clean .container {
  position: relative;
  z-index: 3;
}

.hero-clean-grid {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 40px;
  align-items: center;
}

/* Content Card */
.hero-content-card {
  position: relative;
  padding: 10px 0;
}

/* Left Content */
.hero-clean-content {
  animation: fadeInUp 0.8s ease-out;
}

@keyframes fadeInUp {
  from { opacity: 0; transform: translateY(30px); }
  to { opacity: 1; transform: translateY(0); }
}

.hero-tag {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  background: rgba(200, 160, 77, 0.15);
  color: var(--color-gold);
  padding: 10px 20px;
  border-radius: 30px;
  font-size: 0.85rem;
  font-weight: 500;
  margin-bottom: 24px;
  border: 1px solid rgba(200, 160, 77, 0.3);
  position: relative;
  overflow: hidden;
}

.tag-pulse {
  position: absolute;
  left: 10px;
  width: 8px;
  height: 8px;
  background: var(--color-gold);
  border-radius: 50%;
  animation: tagPulse 2s ease-in-out infinite;
}

@keyframes tagPulse {
  0%, 100% { opacity: 1; box-shadow: 0 0 0 0 rgba(200, 160, 77, 0.5); }
  50% { opacity: 0.8; box-shadow: 0 0 0 8px rgba(200, 160, 77, 0); }
}

.hero-tag i {
  font-size: 0.9rem;
}

.hero-clean-title {
  font-family: 'DM Serif Display', serif;
  font-size: clamp(2.4rem, 5vw, 3.5rem);
  line-height: 1.15;
  color: #fff;
  margin-bottom: 20px;
}

.hero-clean-title .title-line-1,
.hero-clean-title .title-line-2 {
  display: block;
}

.hero-clean-title .text-gold {
  color: var(--color-gold);
  display: inline-block;
  position: relative;
}

.hero-clean-title .typed-text::after {
  content: '|';
  animation: blink 1s infinite;
  color: var(--color-gold);
}

@keyframes blink {
  0%, 50% { opacity: 1; }
  51%, 100% { opacity: 0; }
}

.hero-clean-desc {
  font-size: 1.1rem;
  line-height: 1.7;
  color: rgba(255, 255, 255, 0.75);
  margin-bottom: 28px;
  max-width: 520px;
}

/* Loan Amount Selector */
.hero-loan-selector {
  margin-bottom: 28px;
  animation: fadeInUp 0.8s ease-out 0.3s both;
}

.selector-label {
  display: block;
  color: rgba(255, 255, 255, 0.7);
  font-size: 0.9rem;
  margin-bottom: 12px;
}

.amount-pills {
  display: flex;
  gap: 10px;
  flex-wrap: wrap;
}

.amount-pill {
  padding: 10px 20px;
  border: 1px solid rgba(255, 255, 255, 0.2);
  background: rgba(255, 255, 255, 0.05);
  color: rgba(255, 255, 255, 0.8);
  border-radius: 25px;
  font-size: 0.9rem;
  font-weight: 500;
  cursor: pointer;
  transition: all 0.3s ease;
}

.amount-pill:hover {
  border-color: var(--color-gold);
  background: rgba(200, 160, 77, 0.1);
  color: #fff;
}

.amount-pill.active {
  background: var(--color-gold);
  border-color: var(--color-gold);
  color: #0a1628;
  font-weight: 600;
}

.amount-pill.custom {
  border-style: dashed;
}

.hero-clean-btns {
  display: flex;
  gap: 16px;
  margin-bottom: 32px;
  flex-wrap: wrap;
}

.btn-hero-primary {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  background: linear-gradient(135deg, var(--color-gold), #d4a84b);
  color: #0a1628;
  padding: 16px 32px;
  border-radius: 50px;
  font-weight: 600;
  font-size: 1rem;
  transition: all 0.3s ease;
  text-decoration: none;
  position: relative;
  overflow: hidden;
  box-shadow: 0 8px 30px rgba(200, 160, 77, 0.3);
}

.btn-shine {
  position: absolute;
  top: 0;
  left: -100%;
  width: 100%;
  height: 100%;
  background: linear-gradient(90deg, transparent, rgba(255,255,255,0.4), transparent);
  animation: btnShine 3s infinite;
}

@keyframes btnShine {
  0% { left: -100%; }
  50%, 100% { left: 100%; }
}

.btn-hero-primary:hover {
  transform: translateY(-3px);
  box-shadow: 0 12px 40px rgba(200, 160, 77, 0.4);
}

.btn-hero-primary i {
  transition: transform 0.3s ease;
}

.btn-hero-primary:hover i {
  transform: translateX(5px);
}

.btn-hero-secondary {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  background: rgba(255, 255, 255, 0.1);
  backdrop-filter: blur(10px);
  color: #fff;
  padding: 16px 28px;
  border-radius: 50px;
  font-weight: 500;
  font-size: 0.95rem;
  border: 1px solid rgba(255, 255, 255, 0.2);
  transition: all 0.3s ease;
  text-decoration: none;
}

.btn-hero-secondary:hover {
  background: rgba(255, 255, 255, 0.15);
  border-color: rgba(255, 255, 255, 0.4);
  transform: translateY(-2px);
}

.btn-hero-secondary i {
  color: #10b981;
}

.hero-trust-badges {
  display: flex;
  gap: 24px;
  flex-wrap: wrap;
}

.trust-badge {
  display: flex;
  align-items: center;
  gap: 8px;
  color: rgba(255, 255, 255, 0.65);
  font-size: 0.85rem;
  transition: all 0.3s ease;
}

.trust-badge:hover {
  color: rgba(255, 255, 255, 0.9);
}

.trust-badge i {
  color: var(--color-gold);
  font-size: 1rem;
}

/* Right Visual - Stats Showcase */
.hero-clean-visual {
  position: relative;
  height: 480px;
  animation: fadeInRight 0.8s ease-out 0.2s both;
}

@keyframes fadeInRight {
  from { opacity: 0; transform: translateX(40px); }
  to { opacity: 1; transform: translateX(0); }
}

.hero-stats-showcase {
  position: relative;
  height: 100%;
}

/* Main Stats Card */
.stats-card.main-stat {
  position: absolute;
  top: 50%;
  left: 50%;
  transform: translate(-50%, -50%);
  width: 220px;
  background: rgba(255, 255, 255, 0.98);
  border-radius: 24px;
  padding: 28px;
  text-align: center;
  box-shadow: 0 20px 60px rgba(0, 0, 0, 0.15);
  z-index: 3;
}

.stats-glow {
  position: absolute;
  inset: -20px;
  background: radial-gradient(circle, rgba(200, 160, 77, 0.3), transparent 70%);
  z-index: -1;
  animation: glowPulse 3s ease-in-out infinite;
}

@keyframes glowPulse {
  0%, 100% { opacity: 0.5; transform: scale(1); }
  50% { opacity: 1; transform: scale(1.1); }
}

.stat-counter {
  display: flex;
  align-items: baseline;
  justify-content: center;
  gap: 2px;
  margin-bottom: 5px;
}

.counter-value {
  font-size: 2.8rem;
  font-weight: 800;
  color: var(--color-navy);
  line-height: 1;
}

.counter-suffix {
  font-size: 1.2rem;
  font-weight: 700;
  color: var(--color-gold);
}

.main-stat .stat-label {
  font-size: 0.85rem;
  color: var(--color-muted);
  margin-bottom: 15px;
}

.stat-graph {
  display: flex;
  align-items: flex-end;
  justify-content: center;
  gap: 6px;
  height: 50px;
}

.graph-bar {
  width: 16px;
  height: var(--height);
  background: linear-gradient(180deg, #e5e7eb, #f3f4f6);
  border-radius: 4px;
  transition: all 0.3s ease;
}

.graph-bar.active {
  background: linear-gradient(180deg, var(--color-gold), #e8c168);
}

/* Side Stats */
.stats-card.side-stat {
  position: absolute;
  display: flex;
  align-items: center;
  gap: 14px;
  background: rgba(255, 255, 255, 0.98);
  padding: 16px 22px;
  border-radius: 16px;
  box-shadow: 0 15px 40px rgba(0, 0, 0, 0.1);
  animation: floatCard 4s ease-in-out infinite;
}

.side-stat.stat-top {
  top: 5%;
  right: 0;
  animation-delay: 0s;
}

.side-stat.stat-bottom {
  bottom: 10%;
  right: 10%;
  animation-delay: -2s;
}

@keyframes floatCard {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-12px); }
}

.stat-icon-circle {
  width: 48px;
  height: 48px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.3rem;
  color: #fff;
}

.stat-icon-circle.green {
  background: linear-gradient(135deg, #10b981, #34d399);
}

.stat-icon-circle.blue {
  background: linear-gradient(135deg, #3b82f6, #60a5fa);
}

.stat-content {
  line-height: 1.2;
}

.stat-content .counter-value {
  font-size: 1.5rem;
}

.stat-content .counter-suffix {
  font-size: 0.9rem;
}

.stat-content small {
  display: block;
  font-size: 0.75rem;
  color: #666;
  margin-top: 2px;
}

/* Floating Testimonial */
.hero-testimonial {
  position: absolute;
  bottom: 25%;
  left: -20px;
  display: flex;
  align-items: flex-start;
  gap: 12px;
  background: rgba(255, 255, 255, 0.98);
  padding: 16px 20px;
  border-radius: 16px;
  box-shadow: 0 15px 40px rgba(0, 0, 0, 0.12);
  max-width: 240px;
  animation: floatCard 5s ease-in-out infinite;
  animation-delay: -1s;
  z-index: 4;
}

.testimonial-avatar {
  width: 40px;
  height: 40px;
  border-radius: 50%;
  overflow: hidden;
  flex-shrink: 0;
  background: linear-gradient(135deg, var(--color-gold), #e8c168);
}

.testimonial-avatar img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.avatar-fallback {
  width: 100%;
  height: 100%;
  display: none;
  align-items: center;
  justify-content: center;
  color: #fff;
  font-size: 1.2rem;
}

.avatar-fallback.avatar-fallback-visible {
  display: flex;
}

.testimonial-stars {
  display: flex;
  gap: 2px;
  margin-bottom: 6px;
}

.testimonial-stars i {
  font-size: 0.7rem;
  color: #fbbf24;
}

.testimonial-content p {
  font-size: 0.85rem;
  color: var(--color-ink);
  font-weight: 500;
  margin-bottom: 4px;
  line-height: 1.4;
}

.testimonial-author {
  font-size: 0.75rem;
  color: var(--color-muted);
}

/* Mini Calculator Card */
.hero-mini-calc {
  position: absolute;
  top: 15%;
  left: 10%;
  background: linear-gradient(135deg, var(--color-navy), #1a3a5c);
  padding: 18px 22px;
  border-radius: 16px;
  box-shadow: 0 15px 40px rgba(0, 0, 0, 0.2);
  animation: floatCard 4.5s ease-in-out infinite;
  animation-delay: -0.5s;
  z-index: 4;
}

.calc-header {
  display: flex;
  align-items: center;
  gap: 8px;
  margin-bottom: 12px;
  color: rgba(255, 255, 255, 0.7);
  font-size: 0.8rem;
}

.calc-header i {
  color: var(--color-gold);
}

.calc-result {
  margin-bottom: 12px;
}

.emi-label {
  display: block;
  font-size: 0.7rem;
  color: rgba(255, 255, 255, 0.5);
  text-transform: uppercase;
  letter-spacing: 0.5px;
  margin-bottom: 4px;
}

.emi-value {
  display: block;
  font-size: 1.6rem;
  font-weight: 700;
  color: #fff;
}

.calc-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 0.8rem;
  color: var(--color-gold);
  text-decoration: none;
  transition: gap 0.3s ease;
}

.calc-link:hover {
  gap: 10px;
}

/* Floating Stat Cards */
.hero-stat-card {
  position: absolute;
  display: flex;
  align-items: center;
  gap: 12px;
  background: rgba(255, 255, 255, 0.98);
  padding: 16px 22px;
  border-radius: 16px;
  box-shadow: 0 15px 40px rgba(0, 0, 0, 0.12);
  animation: floatCard 3s ease-in-out infinite;
  backdrop-filter: blur(10px);
  border: 1px solid rgba(255, 255, 255, 0.5);
}

@keyframes floatCard {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-10px); }
}

.hero-stat-card.stat-1 {
  top: 5%;
  right: 10%;
  animation-delay: 0s;
}

.hero-stat-card.stat-2 {
  bottom: 30%;
  right: 5%;
  animation-delay: -1s;
}

.hero-stat-card.stat-3 {
  top: 45%;
  right: 25%;
  animation-delay: -2s;
}

.stat-icon-box {
  width: 48px;
  height: 48px;
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.3rem;
  color: #fff;
}

.stat-icon-box.green {
  background: linear-gradient(135deg, #10b981, #34d399);
  box-shadow: 0 6px 20px rgba(16, 185, 129, 0.3);
}

.stat-icon-box.blue {
  background: linear-gradient(135deg, #3b82f6, #60a5fa);
  box-shadow: 0 6px 20px rgba(59, 130, 246, 0.3);
}

.stat-icon-box.gold {
  background: linear-gradient(135deg, var(--color-gold), #e8c168);
  box-shadow: 0 6px 20px rgba(200, 160, 77, 0.3);
}

.stat-info strong {
  display: block;
  font-size: 1.15rem;
  font-weight: 700;
  color: #1a1a2e;
}

.stat-info small {
  font-size: 0.78rem;
  color: #666;
}

/* Bottom Service Tags */
.hero-bottom-tags {
  position: absolute;
  bottom: 30px;
  left: 0;
  right: 0;
  z-index: 10;
  overflow: hidden;
  mask-image: linear-gradient(90deg, transparent, black 5%, black 95%, transparent);
  -webkit-mask-image: linear-gradient(90deg, transparent, black 5%, black 95%, transparent);
}

.hero-bottom-tags .service-tag-scroll {
  display: flex;
  gap: 16px;
  animation: scrollTags 25s linear infinite;
  width: max-content;
}

@keyframes scrollTags {
  0% { transform: translateX(0); }
  100% { transform: translateX(-50%); }
}

.service-tag {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  background: rgba(255, 255, 255, 0.95);
  color: #0a1628;
  padding: 12px 22px;
  border-radius: 30px;
  font-size: 0.9rem;
  font-weight: 500;
  white-space: nowrap;
  box-shadow: 0 6px 20px rgba(0, 0, 0, 0.1);
  border: 1px solid rgba(255, 255, 255, 0.5);
  transition: all 0.3s ease;
}

.service-tag:hover {
  background: #fff;
  transform: translateY(-2px);
  box-shadow: 0 10px 30px rgba(0, 0, 0, 0.15);
}

.service-tag i {
  color: var(--color-gold);
  font-size: 1.1rem;
}

/* Responsive */
@media (max-width: 1024px) {
  .hero-diagonal-shape {
    width: 100%;
    clip-path: polygon(0 0, 100% 0, 100% 100%, 0 100%);
    opacity: 0.95;
  }
  
  .hero-live-activity {
    top: 90px;
    right: 20px;
    padding: 8px 16px;
    font-size: 0.8rem;
  }
  
  .hero-clean-grid {
    grid-template-columns: 1fr;
    gap: 40px;
    text-align: center;
  }
  
  .hero-clean-content {
    order: 0;
  }
  
  .hero-clean-visual {
    display: none;
  }
  
  .hero-content-card {
    max-width: 600px;
    margin: 0 auto;
  }
  
  .hero-clean-desc {
    margin-left: auto;
    margin-right: auto;
  }
  
  .hero-loan-selector {
    text-align: center;
  }
  
  .amount-pills {
    justify-content: center;
  }
  
  .hero-clean-btns {
    justify-content: center;
  }
  
  .hero-trust-badges {
    justify-content: center;
  }
  
  .hero-floating-elements {
    display: none;
  }
}

@media (max-width: 768px) {
  .hero-clean {
    min-height: 100vh;
    padding: 100px 0 100px;
  }
  
  .hero-live-activity {
    display: none;
  }
  
  .hero-clean-title {
    font-size: 1.9rem;
  }
  
  .hero-clean-title .typed-text::after {
    display: none;
  }
  
  .amount-pills {
    gap: 8px;
  }
  
  .amount-pill {
    padding: 8px 14px;
    font-size: 0.8rem;
  }
  
  .hero-clean-btns {
    flex-direction: column;
    align-items: center;
  }
  
  .btn-hero-primary,
  .btn-hero-secondary {
    width: 100%;
    max-width: 300px;
    justify-content: center;
  }
  
  .hero-trust-badges {
    flex-direction: column;
    align-items: center;
    gap: 12px;
  }
  
  .hero-bottom-tags {
    bottom: 20px;
  }
  
  .service-tag {
    padding: 10px 18px;
    font-size: 0.8rem;
  }
}

/* ===== END CLEAN HERO ===== */

/* ===== MERGED HERO SECTION WITH POSTER BACKGROUND ===== */
.hero-merged {
  position: relative;
  min-height: 100vh;
  display: flex;
  align-items: center;
  padding: 100px 0 60px;
  overflow: hidden;
}

/* Poster as Background */
.hero-poster-bg {
  position: absolute;
  inset: 0;
  z-index: 0;
}

.hero-poster-bg img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center;
  filter: brightness(0.4) saturate(0.8);
}

.hero-poster-overlay {
  position: absolute;
  inset: 0;
  background: 
    linear-gradient(135deg, rgba(11, 31, 58, 0.92) 0%, rgba(26, 58, 92, 0.85) 50%, rgba(11, 31, 58, 0.95) 100%),
    radial-gradient(ellipse at 20% 50%, rgba(200, 160, 77, 0.15) 0%, transparent 50%),
    radial-gradient(ellipse at 80% 30%, rgba(59, 130, 246, 0.1) 0%, transparent 40%);
}

/* ===== CREATIVE HERO SECTION ===== */
.hero-creative,
.hero-merged {
  position: relative;
  min-height: 100vh;
  display: flex;
  align-items: center;
  padding: 100px 0 60px;
  background: linear-gradient(135deg, #0b1f3a 0%, #1a3a5c 50%, #0b1f3a 100%);
  overflow: hidden;
}

.hero-merged {
  background: transparent;
}

/* Animated Background Shapes */
.hero-bg-shapes {
  position: absolute;
  inset: 0;
  overflow: hidden;
  z-index: 0;
}

.shape {
  position: absolute;
  border-radius: 50%;
  filter: blur(80px);
  opacity: 0.4;
  animation: floatShape 20s ease-in-out infinite;
}

.hero-merged .shape {
  opacity: 0.25;
}

.shape-1 {
  width: 600px;
  height: 600px;
  background: linear-gradient(135deg, #c8a04d, #f4d690);
  top: -200px;
  right: -100px;
  animation-delay: 0s;
}

.shape-2 {
  width: 400px;
  height: 400px;
  background: linear-gradient(135deg, #3b82f6, #60a5fa);
  bottom: -100px;
  left: -100px;
  animation-delay: -5s;
}

.shape-3 {
  width: 300px;
  height: 300px;
  background: linear-gradient(135deg, #c8a04d, #fff);
  top: 50%;
  left: 30%;
  animation-delay: -10s;
}

.shape-4 {
  width: 200px;
  height: 200px;
  background: linear-gradient(135deg, #10b981, #34d399);
  bottom: 20%;
  right: 20%;
  animation-delay: -15s;
}

@keyframes floatShape {
  0%, 100% { transform: translate(0, 0) scale(1); }
  25% { transform: translate(30px, -30px) scale(1.1); }
  50% { transform: translate(-20px, 20px) scale(0.95); }
  75% { transform: translate(20px, 30px) scale(1.05); }
}

.hero-creative-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
  position: relative;
  z-index: 1;
}

/* Main Content */
.hero-main-content {
  animation: slideInLeft 1s ease-out;
}

@keyframes slideInLeft {
  from {
    opacity: 0;
    transform: translateX(-50px);
  }
  to {
    opacity: 1;
    transform: translateX(0);
  }
}

.hero-tagline {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  background: rgba(200, 160, 77, 0.15);
  padding: 10px 20px;
  border-radius: 50px;
  border: 1px solid rgba(200, 160, 77, 0.3);
  margin-bottom: 24px;
}

.tagline-icon {
  color: var(--color-gold);
  font-size: 1.2rem;
}

.hero-tagline span:last-child {
  color: rgba(255, 255, 255, 0.9);
  font-weight: 500;
  font-size: 0.9rem;
  letter-spacing: 0.5px;
}

.hero-title {
  font-family: 'DM Serif Display', serif;
  font-size: clamp(2.5rem, 5vw, 4rem);
  line-height: 1.15;
  margin-bottom: 24px;
}

.title-line {
  display: block;
  color: #fff;
}

.title-highlight {
  display: block;
  background: linear-gradient(135deg, var(--color-gold), #f4d690);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
  position: relative;
}

.title-highlight::after {
  content: '';
  position: absolute;
  bottom: -5px;
  left: 0;
  width: 100%;
  height: 4px;
  background: linear-gradient(90deg, var(--color-gold), transparent);
  border-radius: 2px;
}

.hero-description {
  color: rgba(255, 255, 255, 0.75);
  font-size: 1.1rem;
  line-height: 1.7;
  max-width: 500px;
  margin-bottom: 32px;
}

/* CTA Buttons */
.hero-cta-group {
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
  margin-bottom: 40px;
}

.hero-btn {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 16px 32px;
  border-radius: 50px;
  font-weight: 600;
  font-size: 1rem;
  text-decoration: none;
  transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
}

.hero-btn-primary {
  background: linear-gradient(135deg, var(--color-gold), #d4a84b);
  color: var(--color-navy);
  box-shadow: 0 10px 30px rgba(200, 160, 77, 0.4);
}

.hero-btn-primary:hover {
  transform: translateY(-3px);
  box-shadow: 0 15px 40px rgba(200, 160, 77, 0.5);
}

.hero-btn-primary i {
  transition: transform 0.3s ease;
}

.hero-btn-primary:hover i {
  transform: translateX(5px);
}

.hero-btn-secondary {
  background: rgba(255, 255, 255, 0.1);
  color: #fff;
  border: 2px solid rgba(255, 255, 255, 0.3);
  backdrop-filter: blur(10px);
}

.hero-btn-secondary:hover {
  background: rgba(255, 255, 255, 0.2);
  border-color: rgba(255, 255, 255, 0.5);
  transform: translateY(-3px);
}

/* Trust Badges Creative */
.hero-trust-badges-creative {
  display: flex;
  align-items: center;
  gap: 32px;
}

.trust-badge-creative {
  display: flex;
  align-items: center;
  gap: 10px;
  color: rgba(255, 255, 255, 0.7);
  font-size: 0.9rem;
}

.trust-badge-creative i {
  color: var(--color-gold);
  font-size: 1.2rem;
}

/* Hero Visual */
.hero-visual {
  position: relative;
  animation: slideInRight 1s ease-out;
}

@keyframes slideInRight {
  from {
    opacity: 0;
    transform: translateX(50px);
  }
  to {
    opacity: 1;
    transform: translateX(0);
  }
}

/* Dashboard Card */
.dashboard-card {
  position: relative;
  background: linear-gradient(145deg, rgba(255,255,255,0.1), rgba(255,255,255,0.05));
  border-radius: 24px;
  padding: 16px;
  border: 1px solid rgba(255, 255, 255, 0.1);
  box-shadow: 0 20px 50px rgba(0, 0, 0, 0.3);
}

.dashboard-card img {
  width: 100%;
  height: auto;
  border-radius: 16px;
  display: block;
}

/* Responsive Hero Creative */
@media (max-width: 1024px) {
  .hero-creative-inner {
    grid-template-columns: 1fr;
    gap: 40px;
    text-align: center;
  }
  
  .hero-main-content {
    order: 1;
  }
  
  .hero-visual {
    order: 0;
    max-width: 450px;
    margin: 0 auto;
  }
  
  .hero-tagline {
    justify-content: center;
  }
  
  .hero-description {
    margin-left: auto;
    margin-right: auto;
  }
  
  .hero-cta-group {
    justify-content: center;
  }
  
  .hero-trust-badges-creative {
    justify-content: center;
    flex-wrap: wrap;
  }
}

@media (max-width: 768px) {
  .hero-creative,
  .hero-merged {
    padding: 80px 0 50px;
    min-height: auto;
  }
  
  .hero-title {
    font-size: 2rem;
  }
  
  .hero-cta-group {
    flex-direction: column;
    align-items: center;
  }
  
  .hero-btn {
    width: 100%;
    max-width: 280px;
    justify-content: center;
  }
  
  .hero-trust-badges-creative {
    flex-direction: column;
    gap: 12px;
  }
  
  .hero-stat-card {
    padding: 10px 14px;
  }
}

.chip-green {
  background: rgba(16, 185, 129, 0.15);
  color: #34d399;
  border-color: rgba(16, 185, 129, 0.3);
}

.chip-green:hover {
  background: #10b981;
  color: #fff;
  transform: translateY(-3px);
  box-shadow: 0 10px 30px rgba(16, 185, 129, 0.3);
}

.chip-purple {
  background: rgba(139, 92, 246, 0.15);
  color: #a78bfa;
  border-color: rgba(139, 92, 246, 0.3);
}

.chip-purple:hover {
  background: #8b5cf6;
  color: #fff;
  transform: translateY(-3px);
  box-shadow: 0 10px 30px rgba(139, 92, 246, 0.3);
}

.chip-teal {
  background: rgba(20, 184, 166, 0.15);
  color: #2dd4bf;
  border-color: rgba(20, 184, 166, 0.3);
}

.chip-teal:hover {
  background: #14b8a6;
  color: #fff;
  transform: translateY(-3px);
  box-shadow: 0 10px 30px rgba(20, 184, 166, 0.3);
}

/* Responsive */
@media (max-width: 1200px) {
  .hero-fresh-inner {
    gap: 30px;
  }
  
  .visual-main-card {
    max-width: 420px;
  }
  
  .hero-fresh-visual {
    padding: 30px 40px 30px 40px;
  }
  
  .float-card {
    padding: 10px 14px;
  }
  
  .float-icon {
    width: 38px;
    height: 38px;
  }
  
  .float-text strong {
    font-size: 1rem;
  }
}

@media (max-width: 1024px) {
  .hero-fresh-inner {
    grid-template-columns: 1fr;
    text-align: center;
    gap: 40px;
  }
  
  .hero-fresh-content {
    order: 1;
    padding-right: 0;
    align-items: center;
  }
  
  .hero-fresh-visual {
    order: 0;
    padding: 20px;
    justify-content: center;
  }
  
  .hero-badge {
    justify-content: center;
  }
  
  .hero-fresh-desc {
    margin-left: auto;
    margin-right: auto;
  }
  
  .hero-fresh-btns {
    justify-content: center;
  }
  
  .hero-fresh-stats {
    justify-content: center;
  }
  
  .visual-main-card {
    max-width: 400px;
    margin: 0 auto;
  }
  
  .float-1 { left: 50%; top: -10px; transform: translateX(-120%); }
  .float-2 { left: 50%; bottom: 15%; transform: translateX(-130%); }
  .float-3 { right: auto; left: 50%; top: 40%; transform: translateX(30%); }
}

@media (max-width: 768px) {
  .hero-fresh {
    padding: 100px 0 30px;
    min-height: auto;
  }
  
  .hero-fresh-title {
    font-size: 2rem;
  }
  
  .title-word {
    margin-right: 8px;
  }
  
  .hero-fresh-btns {
    flex-direction: column;
    align-items: center;
  }
  
  .btn-fresh {
    width: 100%;
    justify-content: center;
    max-width: 280px;
  }
  
  .hero-fresh-stats {
    flex-wrap: wrap;
    gap: 16px;
  }
  
  .float-card {
    display: none;
  }
  
  .visual-main-card {
    max-width: 320px;
  }
  
  .services-scroll {
    gap: 10px;
  }
  
  .service-chip {
    padding: 10px 16px;
    font-size: 0.8rem;
  }
}

/* ===== BEGIN MERGED HERO SECTION WITH POSTER BACKGROUND ===== */
.hero-poster-bg {
  position: absolute;
  inset: 0;
  z-index: 0;
}

.hero-poster-bg img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center;
  filter: brightness(0.4) saturate(0.8);
}

.hero-poster-overlay {
  position: absolute;
  inset: 0;
  background: 
    linear-gradient(135deg, rgba(11, 31, 58, 0.92) 0%, rgba(26, 58, 92, 0.85) 50%, rgba(11, 31, 58, 0.95) 100%),
    radial-gradient(ellipse at 20% 50%, rgba(200, 160, 77, 0.15) 0%, transparent 50%),
    radial-gradient(ellipse at 80% 30%, rgba(59, 130, 246, 0.1) 0%, transparent 40%);
}

/* ===== CREATIVE HERO SECTION ===== */
.hero-creative,
.hero-merged {
  position: relative;
  min-height: 100vh;
  display: flex;
  align-items: center;
  padding: 100px 0 60px;
  background: linear-gradient(135deg, #0b1f3a 0%, #1a3a5c 50%, #0b1f3a 100%);
  overflow: hidden;
}

.hero-merged {
  background: transparent;
}

/* Animated Background Shapes */
.hero-bg-shapes {
  position: absolute;
  inset: 0;
  overflow: hidden;
  z-index: 0;
}

.shape {
  position: absolute;
  border-radius: 50%;
  filter: blur(80px);
  opacity: 0.4;
  animation: floatShape 20s ease-in-out infinite;
}

.hero-merged .shape {
  opacity: 0.25;
}

.shape-1 {
  width: 600px;
  height: 600px;
  background: linear-gradient(135deg, #c8a04d, #f4d690);
  top: -200px;
  right: -100px;
  animation-delay: 0s;
}

.shape-2 {
  width: 400px;
  height: 400px;
  background: linear-gradient(135deg, #3b82f6, #60a5fa);
  bottom: -100px;
  left: -100px;
  animation-delay: -5s;
}

.shape-3 {
  width: 300px;
  height: 300px;
  background: linear-gradient(135deg, #c8a04d, #fff);
  top: 50%;
  left: 30%;
  animation-delay: -10s;
}

.shape-4 {
  width: 200px;
  height: 200px;
  background: linear-gradient(135deg, #10b981, #34d399);
  bottom: 20%;
  right: 20%;
  animation-delay: -15s;
}

@keyframes floatShape {
  0%, 100% { transform: translate(0, 0) scale(1); }
  25% { transform: translate(30px, -30px) scale(1.1); }
  50% { transform: translate(-20px, 20px) scale(0.95); }
  75% { transform: translate(20px, 30px) scale(1.05); }
}

.hero-creative-inner {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
  position: relative;
  z-index: 1;
}

/* Main Content */
.hero-main-content {
  animation: slideInLeft 1s ease-out;
}

@keyframes slideInLeft {
  from {
    opacity: 0;
    transform: translateX(-50px);
  }
  to {
    opacity: 1;
    transform: translateX(0);
  }
}

.hero-tagline {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  background: rgba(200, 160, 77, 0.15);
  padding: 10px 20px;
  border-radius: 50px;
  border: 1px solid rgba(200, 160, 77, 0.3);
  margin-bottom: 24px;
}

.tagline-icon {
  color: var(--color-gold);
  font-size: 1.2rem;
}

.hero-tagline span:last-child {
  color: rgba(255, 255, 255, 0.9);
  font-weight: 500;
  font-size: 0.9rem;
  letter-spacing: 0.5px;
}

.hero-title {
  font-family: 'DM Serif Display', serif;
  font-size: clamp(2.5rem, 5vw, 4rem);
  line-height: 1.15;
  margin-bottom: 24px;
}

.title-line {
  display: block;
  color: #fff;
}

.title-highlight {
  display: block;
  background: linear-gradient(135deg, var(--color-gold), #f4d690);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
  position: relative;
}

.title-highlight::after {
  content: '';
  position: absolute;
  bottom: -5px;
  left: 0;
  width: 100%;
  height: 4px;
  background: linear-gradient(90deg, var(--color-gold), transparent);
  border-radius: 2px;
}

.hero-description {
  color: rgba(255, 255, 255, 0.75);
  font-size: 1.1rem;
  line-height: 1.7;
  max-width: 500px;
  margin-bottom: 32px;
}

/* CTA Buttons */
.hero-cta-group {
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
  margin-bottom: 40px;
}

.hero-btn {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 16px 32px;
  border-radius: 50px;
  font-weight: 600;
  font-size: 1rem;
  text-decoration: none;
  transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
}

.hero-btn-primary {
  background: linear-gradient(135deg, var(--color-gold), #d4a84b);
  color: var(--color-navy);
  box-shadow: 0 10px 30px rgba(200, 160, 77, 0.4);
}

.hero-btn-primary:hover {
  transform: translateY(-3px);
  box-shadow: 0 15px 40px rgba(200, 160, 77, 0.5);
}

.hero-btn-primary i {
  transition: transform 0.3s ease;
}

.hero-btn-primary:hover i {
  transform: translateX(5px);
}

.hero-btn-secondary {
  background: rgba(255, 255, 255, 0.1);
  color: #fff;
  border: 2px solid rgba(255, 255, 255, 0.3);
  backdrop-filter: blur(10px);
}

.hero-btn-secondary:hover {
  background: rgba(255, 255, 255, 0.2);
  border-color: rgba(255, 255, 255, 0.5);
  transform: translateY(-3px);
}

/* Trust Badges */
.hero-trust-badges {
  display: flex;
  flex-wrap: wrap;
  gap: 24px;
}

.trust-item {
  display: flex;
  align-items: center;
  gap: 8px;
  color: rgba(255, 255, 255, 0.8);
  font-size: 0.9rem;
}

.trust-item i {
  color: var(--color-gold);
  font-size: 1.1rem;
}

/* Visual Area */
.hero-visual-area {
  position: relative;
  animation: slideInRight 1s ease-out;
  display: flex;
  flex-direction: column;
  align-items: center;
}

@keyframes slideInRight {
  from {
    opacity: 0;
    transform: translateX(50px);
  }
  to {
    opacity: 1;
    transform: translateX(0);
  }
}

/* Hero Dashboard - Large Card Container (Red Section) */
.hero-dashboard {
  position: relative;
  width: 100%;
  max-width: 580px;
  min-height: 420px;
  background: rgba(255, 255, 255, 0.97);
  border-radius: 28px;
  padding: 28px;
  box-shadow: 
    0 30px 80px rgba(0, 0, 0, 0.25),
    0 0 0 1px rgba(255, 255, 255, 0.1);
}

/* Dashboard Showcase - Image Area (Yellow Section) */
.dashboard-showcase {
  position: relative;
  width: 100%;
  height: 320px;
  background: linear-gradient(135deg, #e8f4fc 0%, #f0f7ff 100%);
  border-radius: 20px;
  overflow: hidden;
  box-shadow: inset 0 2px 10px rgba(0, 0, 0, 0.05);
}

.dashboard-showcase .showcase-image {
  width: 100%;
  height: 100%;
  object-fit: contain;
  object-position: center;
}

.floating-card {
  position: absolute;
  background: rgba(255, 255, 255, 0.98);
  backdrop-filter: blur(20px);
  border-radius: 16px;
  padding: 14px 18px;
  display: flex;
  align-items: center;
  gap: 12px;
  box-shadow: 0 12px 35px rgba(0, 0, 0, 0.12);
  animation: floatCard 4s ease-in-out infinite;
  z-index: 10;
}

.hero-dashboard .floating-card.card-1 {
  top: -20px;
  left: -30px;
  animation-delay: 0s;
}

.hero-dashboard .floating-card.card-2 {
  bottom: 80px;
  left: -40px;
  animation-delay: -1.5s;
}

.hero-dashboard .floating-card.card-3 {
  top: 40%;
  right: -50px;
  animation-delay: -3s;
}

@keyframes floatCard {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-8px); }
}

.floating-icon {
  width: 44px;
  height: 44px;
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.2rem;
}

.floating-icon.green {
  background: linear-gradient(135deg, #10b981, #34d399);
  color: #fff;
}

.floating-icon.blue {
  background: linear-gradient(135deg, #3b82f6, #60a5fa);
  color: #fff;
}

.floating-icon.gold {
  background: linear-gradient(135deg, var(--color-gold), #f4d690);
  color: var(--color-navy);
}

.floating-content {
  display: flex;
  flex-direction: column;
}

.floating-value {
  font-weight: 700;
  font-size: 1.15rem;
  color: var(--color-navy);
}

.floating-label {
  font-size: 0.72rem;
  color: var(--color-muted);
}

/* Mini Chart */
.mini-chart {
  position: absolute;
  bottom: 20px;
  right: -40px;
  background: #fff;
  border-radius: 14px;
  padding: 16px 20px;
  box-shadow: 0 12px 35px rgba(0, 0, 0, 0.12);
  animation: floatCard 4s ease-in-out infinite;
  animation-delay: -2s;
}

.chart-svg {
  width: 100px;
  height: 40px;
  display: block;
}

/* Service Pills */
.service-pills {
  display: flex;
  justify-content: center;
  gap: 12px;
  margin-top: 30px;
}

.pill {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 12px 20px;
  border-radius: 50px;
  font-size: 0.85rem;
  font-weight: 600;
  animation: pulseGlow 3s ease-in-out infinite;
}

.pill-loan {
  background: rgba(200, 160, 77, 0.2);
  color: var(--color-gold);
  border: 1px solid rgba(200, 160, 77, 0.4);
  animation-delay: 0s;
}

.pill-insurance {
  background: rgba(59, 130, 246, 0.2);
  color: #60a5fa;
  border: 1px solid rgba(59, 130, 246, 0.4);
  animation-delay: -1s;
}

.pill-invest {
  background: rgba(16, 185, 129, 0.2);
  color: #34d399;
  border: 1px solid rgba(16, 185, 129, 0.4);
  animation-delay: -2s;
}

@keyframes pulseGlow {
  0%, 100% { box-shadow: 0 0 0 0 transparent; }
  50% { box-shadow: 0 0 20px 0 currentColor; }
}

/* Scroll Indicator */
.scroll-indicator {
  position: absolute;
  bottom: 30px;
  left: 50%;
  transform: translateX(-50%);
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 10px;
  color: rgba(255, 255, 255, 0.5);
  font-size: 0.8rem;
  animation: bounceDown 2s ease-in-out infinite;
}

.scroll-mouse {
  width: 26px;
  height: 40px;
  border: 2px solid rgba(255, 255, 255, 0.3);
  border-radius: 20px;
  position: relative;
}

.scroll-wheel {
  width: 4px;
  height: 8px;
  background: var(--color-gold);
  border-radius: 2px;
  position: absolute;
  top: 8px;
  left: 50%;
  transform: translateX(-50%);
  animation: scrollWheel 2s ease-in-out infinite;
}

@keyframes scrollWheel {
  0%, 100% { opacity: 1; top: 8px; }
  50% { opacity: 0.3; top: 20px; }
}

@keyframes bounceDown {
  0%, 100% { transform: translateX(-50%) translateY(0); }
  50% { transform: translateX(-50%) translateY(10px); }
}

/* Responsive */
@media (max-width: 1024px) {
  .hero-creative-inner {
    grid-template-columns: 1fr;
    text-align: center;
    gap: 40px;
  }
  
  .hero-main-content {
    order: 1;
  }
  
  .hero-visual-area {
    order: 0;
  }
  
  .hero-tagline {
    justify-content: center;
  }
  
  .hero-description {
    margin-left: auto;
    margin-right: auto;
  }
  
  .hero-cta-group {
    justify-content: center;
  }
  
  .hero-trust-badges {
    justify-content: center;
  }
  
  .hero-dashboard {
    max-width: 480px;
  }
  
  .hero-dashboard .floating-card.card-1 {
    left: -10px;
    top: -10px;
  }
  
  .hero-dashboard .floating-card.card-2 {
    left: -20px;
  }
  
  .hero-dashboard .floating-card.card-3 {
    right: -20px;
  }
  
  .mini-chart {
    right: -20px;
    bottom: 10px;
  }
}

@media (max-width: 600px) {
  .hero-creative,
  .hero-merged {
    padding: 80px 0 40px;
    min-height: auto;
  }
  
  .hero-title {
    font-size: 2rem;
  }
  
  .hero-cta-group {
    flex-direction: column;
    align-items: center;
  }
  
  .hero-btn {
    width: 100%;
    justify-content: center;
  }
  
  .hero-dashboard {
    max-width: 100%;
    padding: 20px;
    min-height: 320px;
  }
  
  .dashboard-showcase {
    height: 200px;
  }
  
  .hero-dashboard .floating-card {
    padding: 10px 14px;
    position: relative;
    top: auto !important;
    left: auto !important;
    right: auto !important;
    bottom: auto !important;
  }
  
  .hero-dashboard {
    display: flex;
    flex-direction: column;
    gap: 15px;
  }
  
  .floating-value {
    font-size: 1rem;
  }
  
  .mini-chart {
    position: relative;
    right: auto;
    bottom: auto;
    align-self: flex-end;
  }
  
  .service-pills {
    flex-wrap: wrap;
  }
  
  .scroll-indicator {
    display: none;
  }
}

/* ===== END CREATIVE HERO ===== */

.hero {
  position: relative;
  padding: 80px 0 60px;
  background: linear-gradient(135deg, #ffffff 10%, #f2f5fb 100%);
  overflow: hidden;
}

.hero::before {
  content: "";
  position: absolute;
  width: 520px;
  height: 520px;
  right: -120px;
  top: -160px;
  background: radial-gradient(circle, rgba(200, 160, 77, 0.25) 0%, rgba(200, 160, 77, 0) 70%);
}

.hero::after {
  content: "";
  position: absolute;
  left: -120px;
  bottom: -140px;
  width: 400px;
  height: 400px;
  background: radial-gradient(circle, rgba(11, 31, 58, 0.18) 0%, rgba(11, 31, 58, 0) 70%);
}

.hero-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 40px;
  align-items: center;
  position: relative;
  z-index: 1;
}

.hero-content {
  animation: floatIn 0.8s ease both;
  max-width: 560px;
}

.hero-card {
  animation: floatIn 1s ease both;
  transition: transform 0.3s ease, box-shadow 0.3s ease;
}

.hero-card:hover {
  transform: translateY(-6px);
  box-shadow: 0 22px 46px rgba(11, 31, 58, 0.18);
}
.hero h1 {
  font-family: "Poppins", sans-serif;
  font-size: clamp(2.4rem, 3.4vw, 3.4rem);
  color: var(--color-navy);
  margin: 18px 0 12px;
  line-height: 1.15;
}

.hero p {
  color: var(--color-muted);
  max-width: 520px;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 24px;
}

.hero-points {
  display: grid;
  gap: 10px;
  margin-top: 24px;
  color: var(--color-muted);
}

.hero-card {
  background: #fff;
  border-radius: var(--radius-lg);
  padding: 28px;
  box-shadow: var(--shadow-soft);
  border: 1px solid var(--color-border);
}

.hero-visual {
  position: relative;
  margin-bottom: 18px;
  display: grid;
  place-items: center;
  overflow: hidden;
  border-radius: 20px;
  background: linear-gradient(135deg, rgba(246, 237, 220, 0.7), rgba(234, 241, 251, 0.7));
  padding: 16px;
}

.hero-illustration {
  width: 100%;
  max-width: 360px;
  height: auto;
  animation: floatSoft 6s ease-in-out infinite;
}

.hero-badge {
  position: absolute;
  top: 14px;
  left: 14px;
  background: rgba(11, 31, 58, 0.92);
  color: #fff;
  padding: 6px 10px;
  border-radius: 999px;
  font-size: 0.75rem;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  animation: badgeDrift 5s ease-in-out infinite;
}

.hero-badge.secondary {
  top: auto;
  left: auto;
  bottom: 14px;
  right: 14px;
  background: rgba(200, 160, 77, 0.92);
  color: #0b1f3a;
  animation-delay: 1.6s;
}

.hero-card h3 {
  color: var(--color-navy);
  margin-bottom: 10px;
}

.cards {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 22px;
  margin-top: 32px;
}

.services-section {
  position: relative;
  background: linear-gradient(180deg, #f7f9fe 0%, #eef2fb 100%);
  overflow: hidden;
}

.services-section::before {
  content: "";
  position: absolute;
  inset: 0;
  background: radial-gradient(circle at 10% 20%, rgba(200, 160, 77, 0.12) 0%, rgba(200, 160, 77, 0) 45%);
  pointer-events: none;
}

.services-section .container {
  position: relative;
  z-index: 1;
}

.services-header {
  text-align: center;
  margin-bottom: 40px;
}

.services-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 24px;
}

.service-card {
  background: rgba(255, 255, 255, 0.9);
  border: 1px solid var(--color-border);
  border-radius: 18px;
  padding: 24px;
  box-shadow: 0 16px 30px rgba(11, 31, 58, 0.08);
  transition: transform 0.35s ease, box-shadow 0.35s ease, border-color 0.35s ease;
  position: relative;
  overflow: hidden;
}

.service-card::after {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  height: 4px;
  width: 100%;
  background: linear-gradient(90deg, var(--color-gold), transparent);
  opacity: 0;
  transition: opacity 0.35s ease;
}

.service-card:hover {
  transform: translateY(-8px);
  box-shadow: 0 22px 40px rgba(11, 31, 58, 0.14);
  border-color: rgba(200, 160, 77, 0.5);
}

.service-card:hover::after {
  opacity: 1;
}

.icon-badge {
  width: 58px;
  height: 58px;
  border-radius: 16px;
  background: var(--color-navy);
  color: #fff;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  letter-spacing: 0.08em;
  box-shadow: 0 10px 18px rgba(11, 31, 58, 0.18);
  margin-bottom: 16px;
  transition: transform 0.35s ease, background 0.35s ease, color 0.35s ease;
}

.service-card:hover .icon-badge {
  background: var(--color-gold);
  color: var(--color-navy);
  transform: translateY(-2px) scale(1.03);
}

.filter-bar {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 24px;
}

.filter-btn {
  border: 1px solid var(--color-border);
  background: #fff;
  color: var(--color-navy);
  padding: 10px 18px;
  border-radius: 999px;
  font-weight: 600;
  transition: all 0.2s ease;
  cursor: pointer;
}

.filter-btn.is-active,
.filter-btn:hover {
  background: var(--color-navy);
  color: #fff;
  border-color: transparent;
}

.card {
  background: #fff;
  border-radius: var(--radius-md);
  border: 1px solid var(--color-border);
  padding: 22px;
  box-shadow: var(--shadow-card);
  position: relative;
  overflow: hidden;
  cursor: pointer;
  transition: transform 0.3s ease, box-shadow 0.3s ease, border-color 0.3s ease;
}

.card::after {
  content: "";
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 4px;
  background: linear-gradient(90deg, var(--color-gold), transparent);
  opacity: 0;
  transition: opacity 0.3s ease;
}

.card:hover {
  transform: translateY(-6px);
  box-shadow: 0 18px 36px rgba(11, 31, 58, 0.14);
  border-color: rgba(200, 160, 77, 0.5);
}

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

.card h3 {
  display: flex;
  align-items: center;
  gap: 10px;
  color: var(--color-navy);
  margin-bottom: 8px;
}

.service-card h3 {
  display: flex;
  align-items: center;
  gap: 10px;
}

.card h3 .bi,
.service-card h3 .bi {
  color: var(--color-gold);
  font-size: 1.1rem;
}

.animated-heading {
  display: inline-block;
  position: relative;
  padding-bottom: 8px;
  animation: headingFloat 6s ease-in-out infinite;
}

.animated-heading::after {
  content: "";
  position: absolute;
  left: 0;
  bottom: 0;
  height: 3px;
  width: 55%;
  border-radius: 999px;
  background: linear-gradient(90deg, var(--color-gold), transparent);
  animation: headingSweep 3.6s ease-in-out infinite;
}

@keyframes headingFloat {
  0%,
  100% {
    transform: translateY(0);
  }
  50% {
    transform: translateY(-3px);
  }
}

@keyframes headingSweep {
  0%,
  100% {
    width: 45%;
    opacity: 0.6;
  }
  50% {
    width: 85%;
    opacity: 1;
  }
}

.cursor-dot,
.cursor-ring {
  position: fixed;
  top: 0;
  left: 0;
  pointer-events: none;
  z-index: 9999;
  opacity: 0;
  transition: opacity 0.12s ease, transform 0.04s ease;
}

.cursor-trail {
  position: fixed;
  top: 0;
  left: 0;
  width: 5px;
  height: 5px;
  border-radius: 50%;
  background: rgba(200, 160, 77, 0.5);
  pointer-events: none;
  z-index: 9998;
  transform: translate(-50%, -50%);
  opacity: 0;
  transition: opacity 0.2s ease;
}

.cursor-visible .cursor-trail {
  opacity: 1;
}

.cursor-dot {
  width: 4px;
  height: 4px;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.6);
  transform: translate(-50%, -50%);
}

.cursor-ring {
  width: 52px;
  height: 52px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(200, 160, 77, 0.25), rgba(200, 160, 77, 0));
  border: 1px solid rgba(200, 160, 77, 0.4);
  transform: translate(-50%, -50%);
}

.cursor-active .cursor-ring {
  transform: translate(-50%, -50%) scale(1.18);
  border-color: rgba(200, 160, 77, 0.85);
}

.cursor-click .cursor-dot {
  transform: translate(-50%, -50%) scale(0.6);
}

.cursor-click .cursor-ring {
  transform: translate(-50%, -50%) scale(0.9);
  border-color: rgba(11, 31, 58, 0.7);
}

.cursor-visible .cursor-dot,
.cursor-visible .cursor-ring {
  opacity: 1;
}

* {
  scrollbar-width: thin;
  scrollbar-color: var(--color-gold) rgba(11, 31, 58, 0.08);
}

*::-webkit-scrollbar {
  width: 10px;
}

*::-webkit-scrollbar-track {
  background: rgba(11, 31, 58, 0.08);
  border-radius: 999px;
}

*::-webkit-scrollbar-thumb {
  background: linear-gradient(180deg, var(--color-gold), var(--color-navy));
  border-radius: 999px;
  border: 2px solid rgba(255, 255, 255, 0.6);
}

*::-webkit-scrollbar-thumb:hover {
  background: linear-gradient(180deg, var(--color-gold), #173a6d);
}

@media (hover: none), (pointer: coarse) {
  .cursor-dot,
  .cursor-ring {
    display: none;
  }
}

@media (prefers-reduced-motion: reduce) {
  .animated-heading {
    animation: none;
  }

  .animated-heading::after {
    animation: none;
  }
}

.card p {
  color: var(--color-muted);
}

.accent-line {
  width: 48px;
  height: 4px;
  background: var(--color-gold);
  border-radius: 999px;
  margin-bottom: 14px;
}

.split {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 28px;
  align-items: start;
}

.feature-list {
  display: grid;
  gap: 16px;
  margin-top: 18px;
  color: var(--color-muted);
}

.feature-list li {
  padding-left: 24px;
  position: relative;
}

.feature-list li::before {
  content: "";
  width: 10px;
  height: 10px;
  background: var(--color-gold);
  border-radius: 50%;
  position: absolute;
  left: 0;
  top: 8px;
}

.steps {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 22px;
  margin-top: 32px;
}

.step {
  background: var(--color-navy);
  color: #fff;
  border-radius: var(--radius-md);
  padding: 24px;
  position: relative;
  overflow: hidden;
  transition: transform 0.3s ease, box-shadow 0.3s ease;
}

.step::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(120deg, rgba(200, 160, 77, 0.2), transparent 60%);
  opacity: 0;
  transition: opacity 0.3s ease;
}

.step:hover {
  transform: translateY(-5px);
  box-shadow: 0 18px 36px rgba(11, 31, 58, 0.2);
}

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

.step span {
  font-size: 2.2rem;
  font-weight: 700;
  color: rgba(255, 255, 255, 0.4);
}

.step h3 {
  margin: 12px 0 8px;
}

.step p {
  color: rgba(255, 255, 255, 0.8);
}

/* Modern Page Hero */
.page-hero {
  position: relative;
  padding: 90px 0 60px;
  background: linear-gradient(135deg, #0b1f3a 0%, #1a3a5c 50%, #0b1f3a 100%);
  overflow: hidden;
}

.page-hero::before {
  content: '';
  position: absolute;
  top: -50%;
  right: -20%;
  width: 80%;
  height: 200%;
  background: radial-gradient(circle, rgba(200, 160, 77, 0.1) 0%, transparent 60%);
  pointer-events: none;
}

.page-hero::after {
  content: '';
  position: absolute;
  bottom: -30%;
  left: -10%;
  width: 50%;
  height: 100%;
  background: radial-gradient(circle, rgba(200, 160, 77, 0.08) 0%, transparent 60%);
  pointer-events: none;
}

.page-hero .container {
  position: relative;
  z-index: 1;
}

.page-hero h1 {
  font-family: "DM Serif Display", serif;
  color: #fff;
  font-size: clamp(2.2rem, 4vw, 3.2rem);
  margin-bottom: 20px;
  line-height: 1.2;
}

.page-hero h1 span,
.page-hero .text-gradient {
  background: linear-gradient(135deg, var(--color-gold), #e8c168);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.page-hero p {
  color: rgba(255, 255, 255, 0.75);
  max-width: 700px;
  font-size: 1.1rem;
  line-height: 1.7;
}

.page-illustration {
  display: block;
  width: min(560px, 100%);
  margin-top: clamp(16px, 3vw, 28px);
  height: auto;
  filter: drop-shadow(0 18px 30px rgba(11, 31, 58, 0.12));
}

.form-card {
  background: #fff;
  border-radius: var(--radius-lg);
  border: 1px solid var(--color-border);
  padding: 28px;
  box-shadow: var(--shadow-card);
  transition: transform 0.3s ease, box-shadow 0.3s ease;
}

.form-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 18px 36px rgba(11, 31, 58, 0.12);
}

.form-grid {
  display: grid;
  gap: 18px;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
}

label {
  font-weight: 600;
  color: var(--color-navy);
  display: block;
  margin-bottom: 6px;
}

input,
select,
textarea {
  width: 100%;
  padding: 12px 14px;
  border-radius: 10px;
  border: 1px solid var(--color-border);
  background: #fff;
  font-family: inherit;
}

textarea {
  min-height: 120px;
  resize: vertical;
}

.form-note {
  color: var(--color-muted);
  font-size: 0.95rem;
}

.form-note.is-error {
  color: #b42318;
}

.form-note.is-success {
  color: #067647;
}

.field-error {
  display: block;
  color: #b42318;
  font-size: 0.82rem;
  margin-top: 6px;
  margin-bottom: 8px;
}

input.is-invalid,
select.is-invalid,
textarea.is-invalid {
  border-color: #dc2626;
  box-shadow: 0 0 0 2px rgba(220, 38, 38, 0.14);
}

.form-status {
  margin-top: 14px;
  font-weight: 600;
  color: var(--color-navy);
}

.contact-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 24px;
}

.contact-card {
  background: #fff;
  border-radius: var(--radius-md);
  border: 1px solid var(--color-border);
  padding: 22px;
  transition: transform 0.3s ease, box-shadow 0.3s ease, border-color 0.3s ease;
}

.contact-card:hover {
  transform: translateY(-6px);
  box-shadow: 0 18px 36px rgba(11, 31, 58, 0.14);
  border-color: rgba(200, 160, 77, 0.45);
}

.contact-card h3 {
  color: var(--color-navy);
  margin-bottom: 8px;
}

.emi-output {
  display: grid;
  gap: 8px;
  padding: 16px 18px;
  background: var(--color-surface);
  border-radius: 12px;
  border: 1px dashed var(--color-border);
  margin-top: 16px;
}

.emi-output strong {
  color: var(--color-navy);
}

.site-footer {
  position: relative;
  background: linear-gradient(135deg, #0a1c33 0%, #0a2140 55%, #0f2b52 100%);
  color: #fff;
  padding: 60px 0 36px;
  overflow: hidden;
}

.site-footer::before {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(
    120deg,
    rgba(200, 160, 77, 0.14) 0%,
    rgba(200, 160, 77, 0) 35%,
    rgba(255, 255, 255, 0.06) 65%,
    rgba(255, 255, 255, 0) 100%
  );
  pointer-events: none;
}

.site-footer::after {
  content: "";
  position: absolute;
  left: 0;
  right: 0;
  bottom: 0;
  height: 1px;
  background: rgba(255, 255, 255, 0.14);
  opacity: 1;
}

.site-footer .container {
  position: relative;
  z-index: 1;
}

.footer-grid {
  display: grid;
  grid-template-columns: minmax(240px, 1.3fr) repeat(5, minmax(150px, 1fr));
  gap: 32px;
  padding-bottom: 26px;
  margin-bottom: 22px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}

.footer-brand {
  display: grid;
  gap: 10px;
}

.footer-brand-box {
  background: #f6eddc;
  border-radius: 16px;
  padding: 16px 18px 14px;
  display: inline-grid;
  gap: 10px;
  border: 1px solid rgba(11, 31, 58, 0.08);
  box-shadow: 0 10px 20px rgba(11, 31, 58, 0.18);
  width: fit-content;
  transition: transform 0.3s ease, box-shadow 0.3s ease;
}

.footer-brand-link {
  display: inline-block;
}

.footer-brand-link:hover .footer-brand-box {
  transform: translateY(-4px);
  box-shadow: 0 16px 30px rgba(11, 31, 58, 0.22);
}

.footer-brand p {
  color: rgba(255, 255, 255, 0.75);
  max-width: 260px;
}

.footer-brand .brand-mark {
  height: clamp(80px, 7vw, 130px);
  width: auto;
  filter: drop-shadow(0 6px 16px rgba(0, 0, 0, 0.25));
}

.footer-brand .brand-name {
  height: clamp(24px, 2.8vw, 40px);
  width: auto;
  filter: drop-shadow(0 6px 16px rgba(0, 0, 0, 0.25));
}

.footer-links strong {
  display: inline-block;
  font-size: 0.85rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: rgba(255, 255, 255, 0.78);
  margin-bottom: 10px;
}

.footer-links {
  position: relative;
  padding-left: 12px;
}

.footer-links::before {
  content: "";
  position: absolute;
  left: 0;
  top: 6px;
  bottom: 6px;
  width: 1px;
  background: rgba(255, 255, 255, 0.12);
}

.footer-links a {
  display: block;
  margin-bottom: 8px;
  color: rgba(255, 255, 255, 0.8);
  padding-left: 14px;
  position: relative;
  transition: color 0.2s ease, transform 0.2s ease;
}

.footer-links a::before {
  content: "";
  position: absolute;
  left: 0;
  top: 50%;
  width: 6px;
  height: 6px;
  border-radius: 999px;
  background: rgba(200, 160, 77, 0.8);
  transform: translateY(-50%) scale(0);
  transition: transform 0.2s ease;
}

.footer-links a:hover {
  color: #fff;
  transform: translateX(3px);
}

.footer-links a:hover::before,
.footer-links a:focus-visible::before {
  transform: translateY(-50%) scale(1);
}

.footer-links a:focus-visible {
  outline: 2px solid rgba(200, 160, 77, 0.6);
  outline-offset: 2px;
  border-radius: 8px;
}

.footer-social .social-links {
  display: grid;
  grid-template-columns: repeat(4, 36px);
  gap: 12px;
  margin-top: 8px;
}

.social-link {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-weight: 600;
  font-size: 0.75rem;
  letter-spacing: 0.06em;
  color: #fff;
  border: 1px solid rgba(255, 255, 255, 0.2);
  background: rgba(255, 255, 255, 0.12);
  transition: transform 0.2s ease, background 0.2s ease, color 0.2s ease;
}

.social-link:hover,
.social-link:focus {
  background: #fff;
  color: var(--color-navy);
  transform: translateY(-2px);
}

.social-link i {
  font-size: 1.1rem;
}

.social-link .sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  border: 0;
}

.float-stack {
  position: fixed;
  right: 24px;
  top: 50%;
  transform: translateY(-50%);
  z-index: 30;
  display: grid;
  gap: 10px;
}

.float-stack a,
.float-stack .social-link {
  position: relative;
  overflow: hidden;
  isolation: isolate;
  will-change: transform, box-shadow, filter;
}

.float-stack a::before,
.float-stack .social-link::before {
  content: "";
  position: absolute;
  inset: -8px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(200, 160, 77, 0.35), transparent 70%);
  opacity: 0;
  transform: scale(0.85);
  transition: opacity 0.25s ease, transform 0.25s ease;
  z-index: -1;
}

.float-stack a::after,
.float-stack .social-link::after {
  content: "";
  position: absolute;
  inset: 6px;
  border-radius: 50%;
  border: 1px solid rgba(255, 255, 255, 0.4);
  opacity: 0;
  transform: scale(0.9);
  transition: opacity 0.25s ease, transform 0.25s ease;
}

@media (max-width: 768px) {
  body {
    padding-bottom: 72px;
  }

  .float-stack {
    right: 0;
    left: 0;
    top: auto;
    bottom: 0;
    transform: none;
    width: 100%;
    box-sizing: border-box;
    display: flex;
    justify-content: space-evenly;
    align-items: center;
    gap: 0;
    flex-wrap: nowrap;
    padding: 12px 16px 14px;
    border-radius: 18px 18px 0 0;
    background: linear-gradient(140deg, rgba(11, 31, 58, 0.98), rgba(24, 59, 111, 0.96));
    border-top: 1px solid rgba(200, 160, 77, 0.3);
    box-shadow: 0 -16px 32px rgba(11, 31, 58, 0.3);
    backdrop-filter: none;
    padding-bottom: calc(10px + env(safe-area-inset-bottom, 0px));
    transition: transform 0.25s ease, opacity 0.25s ease;
  }

  .float-stack::before {
    content: "";
    position: absolute;
    top: 8px;
    left: 50%;
    transform: translateX(-50%);
    width: 44px;
    height: 4px;
    border-radius: 999px;
    background: rgba(255, 255, 255, 0.18);
  }


  .float-stack a,
  .float-stack .social-link {
    animation: none;
    transform: none;
    box-shadow: none;
  }

  .call-now,
  .whatsapp-chat,
  .float-stack .social-link {
    width: clamp(38px, 9vw, 46px);
    height: clamp(38px, 9vw, 46px);
    box-shadow: 0 10px 20px rgba(6, 12, 22, 0.35);
    background: rgba(255, 255, 255, 0.08);
    border: 1px solid rgba(255, 255, 255, 0.18);
    flex: 0 0 auto;
  }

  .call-now i,
  .whatsapp-chat i,
  .float-stack .social-link i {
    color: #fff;
  }

  .nav-open .float-stack {
    transform: translateY(100%);
    opacity: 0;
    pointer-events: none;
  }

  .call-now i,
  .whatsapp-chat i,
  .float-stack .social-link i {
    font-size: clamp(0.9rem, 4.2vw, 1.1rem);
  }


@media (max-width: 420px) {
  .float-stack {
    padding: 8px 8px;
  }

  .call-now,
  .whatsapp-chat,
  .float-stack .social-link {
    width: 36px;
    height: 36px;
  }
}
  .call-now i,
  .whatsapp-chat i {
    font-size: 0.95rem;
  }

  .social-link i {
    font-size: 0.95rem;
  }
}

.whatsapp-chat {
  width: 56px;
  height: 56px;
  border-radius: 50%;
  display: grid;
  place-items: center;
  background: #25d366;
  color: #fff;
  font-weight: 600;
  letter-spacing: 0.08em;
  box-shadow: 0 12px 24px rgba(11, 31, 58, 0.2);
  background-size: 180% 180%;
  background-position: 0% 50%;
  transition: transform 0.25s ease, box-shadow 0.25s ease, filter 0.25s ease,
    background-position 0.6s ease;
  animation: breathePulse 5.5s ease-in-out infinite;
}

.whatsapp-chat:hover,
.whatsapp-chat:focus {
  transform: perspective(650px) translateY(-4px) rotateX(6deg) rotateY(-6deg) scale(1.05);
  box-shadow: 0 18px 34px rgba(11, 31, 58, 0.3);
  filter: saturate(1.1);
  background-position: 100% 50%;
}

.whatsapp-chat:hover::before,
.whatsapp-chat:focus::before,
.whatsapp-chat:hover::after,
.whatsapp-chat:focus::after {
  opacity: 1;
  transform: scale(1);
}

.whatsapp-chat span {
  font-size: 0.7rem;
}

.whatsapp-chat i {
  font-size: 1.25rem;
}

.call-now {
  width: 56px;
  height: 56px;
  border-radius: 50%;
  display: grid;
  place-items: center;
  background: var(--color-navy);
  color: #fff;
  font-weight: 600;
  letter-spacing: 0.08em;
  box-shadow: 0 12px 24px rgba(11, 31, 58, 0.2);
  background-size: 180% 180%;
  background-position: 0% 50%;
  transition: transform 0.25s ease, box-shadow 0.25s ease, background 0.25s ease,
    background-position 0.6s ease;
  animation: breathePulse 6.5s ease-in-out infinite;
}

.call-now:hover,
.call-now:focus {
  transform: perspective(650px) translateY(-4px) rotateX(6deg) rotateY(6deg) scale(1.05);
  box-shadow: 0 18px 34px rgba(11, 31, 58, 0.3);
  background: linear-gradient(135deg, #0b1f3a, #183b6f);
  background-position: 100% 50%;
}

.call-now:hover::before,
.call-now:focus::before,
.call-now:hover::after,
.call-now:focus::after {
  opacity: 1;
  transform: scale(1);
}

.call-now span {
  font-size: 0.7rem;
}

.call-now i {
  font-size: 1.15rem;
}

.float-stack .social-link {
  width: 56px;
  height: 56px;
  font-size: 0.75rem;
  letter-spacing: 0.08em;
  background: linear-gradient(145deg, rgba(11, 31, 58, 0.98), rgba(15, 43, 82, 0.9));
  background-size: 200% 200%;
  background-position: 0% 50%;
  box-shadow: 0 12px 24px rgba(11, 31, 58, 0.2);
  transition: transform 0.25s ease, box-shadow 0.25s ease, background 0.25s ease,
    background-position 0.6s ease;
  animation: breathePulse 7s ease-in-out infinite;
}

.float-stack .social-link.social-facebook {
  background: linear-gradient(135deg, #1877f2, #0b5fcc);
}

.float-stack .social-link.social-instagram {
  background: linear-gradient(135deg, #f58529, #dd2a7b 55%, #515bd4);
}

.float-stack .social-link.social-linkedin {
  background: linear-gradient(135deg, #0a66c2, #004182);
}

.float-stack .social-link:hover,
.float-stack .social-link:focus {
  transform: perspective(650px) translateY(-4px) rotateX(6deg) rotateY(-6deg) scale(1.06);
  box-shadow: 0 18px 34px rgba(11, 31, 58, 0.3);
  filter: brightness(1.05) saturate(1.1);
  color: #fff;
  background-position: 100% 50%;
}

.float-stack .social-link:hover::before,
.float-stack .social-link:focus::before,
.float-stack .social-link:hover::after,
.float-stack .social-link:focus::after {
  opacity: 1;
  transform: scale(1);
}

.float-stack a:nth-child(1) {
  animation-delay: 0.2s;
}

.float-stack a:nth-child(2) {
  animation-delay: 0.6s;
}

.float-stack .social-link:nth-child(3) {
  animation-delay: 0.3s;
}

.float-stack .social-link:nth-child(4) {
  animation-delay: 0.7s;
}

.float-stack .social-link:nth-child(5) {
  animation-delay: 1.1s;
}

@keyframes breathePulse {
  0%,
  100% {
    box-shadow: 0 12px 24px rgba(11, 31, 58, 0.2);
    filter: brightness(1);
  }
  50% {
    box-shadow: 0 18px 34px rgba(11, 31, 58, 0.3);
    filter: brightness(1.06);
  }
}

@keyframes floatSoft {
  0%,
  100% {
    transform: translateY(0);
  }
  50% {
    transform: translateY(-8px);
  }
}

@keyframes badgeDrift {
  0%,
  100% {
    transform: translateY(0);
  }
  50% {
    transform: translateY(-6px);
  }
}

@keyframes headerShift {
  0%,
  100% {
    background-position: 0% 50%;
  }
  50% {
    background-position: 100% 50%;
  }
}

@keyframes headerSheen {
  0% {
    transform: translateX(-80%);
  }
  50% {
    transform: translateX(0%);
  }
  100% {
    transform: translateX(80%);
  }
}


.disclaimer {
  font-size: 0.9rem;
  color: rgba(255, 255, 255, 0.75);
  max-width: 720px;
}

.copyright {
  margin-top: 10px;
  font-size: 0.85rem;
  color: rgba(255, 255, 255, 0.6);
}

.to-top {
  display: grid;
  place-items: center;
  position: fixed;
  right: 24px;
  bottom: 24px;
  z-index: 30;
  width: 56px;
  height: 56px;
  border-radius: 50%;
  background: transparent;
  color: #fff;
  opacity: 0;
  transform: scale(0.85);
  pointer-events: none;
  transition: opacity 0.3s ease, transform 0.3s ease;
  --scroll-progress: 0;
}

.to-top span {
  width: 42px;
  height: 42px;
  border-radius: 999px;
  background: var(--color-navy);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-size: 1.2rem;
  box-shadow: 0 12px 24px rgba(11, 31, 58, 0.25);
  transition: transform 0.2s ease;
}

.to-top::before {
  content: "";
  position: absolute;
  inset: 0;
  border-radius: 50%;
  background: conic-gradient(
    var(--color-gold) calc(var(--scroll-progress) * 1turn),
    rgba(255, 255, 255, 0.18) 0
  );
  -webkit-mask: radial-gradient(closest-side, transparent 68%, #000 70%);
  mask: radial-gradient(closest-side, transparent 68%, #000 70%);
}

.to-top.is-visible {
  opacity: 1;
  transform: scale(1);
  pointer-events: auto;
}

.to-top:hover span {
  transform: translateY(-2px);
}

.calculator-shell {
  background: #fff;
  border-radius: var(--radius-lg);
  border: 1px solid var(--color-border);
  box-shadow: var(--shadow-soft);
  padding: 32px;
}

.calculator-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 24px;
}

.calculator-panel {
  background: var(--color-surface);
  border-radius: var(--radius-md);
  padding: 20px;
  border: 1px solid var(--color-border);
}

.calculator-panel h2 {
  font-size: 1.3rem;
  color: var(--color-navy);
  margin-bottom: 12px;
}

.calculator-fields label {
  display: block;
  font-weight: 600;
  margin: 12px 0 6px;
}

.calculator-fields input,
.calculator-fields select {
  width: 100%;
  padding: 12px 14px;
  border-radius: 12px;
  border: 1px solid var(--color-border);
  background: #fff;
  font-size: 1rem;
}

.calculator-fields input:focus,
.calculator-fields select:focus {
  border-color: rgba(200, 160, 77, 0.7);
  outline: none;
  box-shadow: 0 0 0 2px rgba(200, 160, 77, 0.18);
}

.calculator-actions {
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
  margin-top: 18px;
}

.calculator-actions .btn {
  border-radius: 12px;
}

.calculator-output {
  margin-top: 16px;
  background: #fff;
  border-radius: 12px;
  border: 1px solid var(--color-border);
  padding: 16px;
  color: var(--color-ink);
}

.calculator-results {
  display: grid;
  gap: 10px;
}

.calculator-kpi {
  display: flex;
  justify-content: space-between;
  gap: 12px;
  font-weight: 600;
}

.calculator-note {
  margin-top: 12px;
  font-size: 0.9rem;
  color: var(--color-muted);
}

.calculator-chart {
  margin-top: 18px;
}

.calculator-single {
  max-width: 820px;
  margin: 0 auto;
}

.calculator-inline {
  display: flex;
  gap: 12px;
}

.calculator-inline > * {
  flex: 1;
}

.calculator-radio {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
  margin-top: 10px;
}

.calculator-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--color-gold-100);
  color: var(--color-navy);
  padding: 6px 12px;
  border-radius: 999px;
  font-weight: 600;
  font-size: 0.9rem;
}

.calculator-table {
  width: 100%;
  border-collapse: collapse;
  margin-top: 12px;
}

.calculator-table th,
.calculator-table td {
  text-align: left;
  padding: 10px 12px;
  border-bottom: 1px solid var(--color-border);
  font-size: 0.95rem;
}

.calculator-table th {
  color: var(--color-muted);
  font-weight: 600;
}

.calculator-tabs {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-bottom: 18px;
}

.calculator-tab {
  border: 1px solid var(--color-border);
  background: #fff;
  color: var(--color-muted);
  padding: 8px 16px;
  border-radius: 999px;
  font-weight: 600;
  cursor: pointer;
  transition: transform 0.2s ease, box-shadow 0.2s ease, background 0.2s ease, color 0.2s ease;
}

.calculator-tab:hover {
  transform: translateY(-1px);
  box-shadow: 0 10px 18px rgba(11, 31, 58, 0.12);
}

.calculator-tab.is-active {
  background: var(--color-navy);
  color: #fff;
  border-color: var(--color-navy);
  box-shadow: var(--shadow-card);
}

.calculator-pane {
  display: none;
}

.calculator-pane.is-active {
  display: block;
}

.calculator-metrics {
  display: grid;
  gap: 12px;
}

.calculator-metric {
  display: flex;
  justify-content: space-between;
  gap: 12px;
  font-weight: 600;
  padding: 10px 12px;
  background: #fff;
  border-radius: 12px;
  border: 1px solid var(--color-border);
}

.calculator-metric strong {
  color: var(--color-navy);
}

.calculator-chart canvas {
  width: 100% !important;
  height: auto !important;
}

.reveal {
  opacity: 0;
  transform: translateY(18px);
  transition: opacity 0.6s ease, transform 0.6s ease;
}

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

.animate-on-scroll {
  opacity: 0;
  transform: translateY(32px);
  transition: opacity 0.6s ease, transform 0.6s ease;
}

.animate-on-scroll.is-visible {
  opacity: 1;
  transform: translateY(0);
}

@media (prefers-reduced-motion: reduce) {
  .reveal,
  .animate-on-scroll,
  .hero-content,
  .hero-card,
  .service-card,
  .card,
  .step,
  .form-card,
  .contact-card {
    transition: none;
    animation: none;
    transform: none;
  }
}

@media (max-width: 960px) {
  .header-inner {
    grid-template-columns: auto auto;
    justify-content: space-between;
  }

  .nav {
    position: fixed;
    top: 0;
    right: 0;
    height: 100vh;
    width: min(82vw, 320px);
    background: linear-gradient(160deg, rgba(236, 244, 255, 0.98), rgba(232, 238, 250, 0.96), rgba(245, 238, 224, 0.9));
    border-left: 1px solid var(--color-border);
    box-shadow: 0 24px 46px rgba(11, 31, 58, 0.2);
    transform: translateX(105%);
    opacity: 0;
    visibility: hidden;
    pointer-events: none;
    transition: transform 0.45s cubic-bezier(0.22, 1, 0.36, 1), opacity 0.25s ease,
      visibility 0s linear 0.45s;
    display: block;
    overflow-y: auto;
    backdrop-filter: blur(10px);
    z-index: 20;
    will-change: transform, opacity;
  }

  .nav::before {
    content: "";
    position: fixed;
    inset: 0;
    background: rgba(8, 15, 28, 0.45);
    opacity: 0;
    pointer-events: none;
    transition: opacity 0.35s ease;
    z-index: -1;
  }

  .nav.open {
    transform: translateX(0);
    opacity: 1;
    visibility: visible;
    pointer-events: auto;
    transition: transform 0.45s cubic-bezier(0.22, 1, 0.36, 1), opacity 0.25s ease,
      visibility 0s;
  }

  .nav.open::before {
    opacity: 1;
    pointer-events: auto;
  }

  .nav-list {
    flex-direction: column;
    align-items: flex-start;
    padding: 80px 20px 24px;
    gap: 12px;
  }

  .nav-item {
    width: 100%;
  }

  .nav-parent {
    width: 100%;
    justify-content: space-between;
  }

  .submenu {
    position: static;
    min-width: 100%;
    box-shadow: none;
    border: none;
    padding: 6px 0 0 12px;
    background: transparent;
    opacity: 0;
    transform: translateY(-6px);
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.35s ease, opacity 0.25s ease, transform 0.25s ease;
  }

  .nav-item.is-open .submenu {
    opacity: 1;
    transform: translateY(0);
    max-height: 420px;
  }

  .submenu a {
    padding: 6px 0;
  }

  .nav-toggle {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: linear-gradient(135deg, rgba(11, 31, 58, 0.95), rgba(24, 59, 111, 0.95));
    color: #fff;
    border: 1px solid rgba(11, 31, 58, 0.2);
    box-shadow: 0 10px 20px rgba(11, 31, 58, 0.18);
  }

  .header-cta {
    display: none;
  }

  .hero {
    padding-top: 90px;
  }

  .footer-grid {
    grid-template-columns: repeat(3, minmax(180px, 1fr));
  }

  .calculator-grid {
    grid-template-columns: 1fr;
  }
}

@media (max-width: 640px) {
  .brand-mark {
    height: clamp(64px, 10vw, 86px);
  }

  .brand-name {
    height: clamp(20px, 4vw, 30px);
  }

  .nav-list {
    font-size: 0.95rem;
  }

  .hero-actions {
    flex-direction: column;
    align-items: stretch;
  }

  .section {
    padding: 60px 0;
  }

  .services-grid {
    grid-template-columns: 1fr;
  }

  .cards,
  .steps,
  .contact-grid,
  .form-grid {
    grid-template-columns: 1fr;
  }

  .footer-grid {
    grid-template-columns: 1fr;
  }

  .to-top {
    right: 16px;
    bottom: 16px;
    width: 48px;
    height: 48px;
  }

  .to-top span {
    width: 36px;
    height: 36px;
    font-size: 1.05rem;
  }

  .calculator-shell {
    padding: 24px;
  }

  .calculator-actions {
    flex-direction: column;
    align-items: stretch;
  }

  .calculator-inline {
    flex-direction: column;
  }
}

@media (max-width: 480px) {
  .container {
    width: min(100% - 24px, var(--container-width));
  }

  .hero h1 {
    font-size: clamp(2rem, 9vw, 2.6rem);
  }

  .section-title {
    font-size: clamp(1.6rem, 7vw, 2.2rem);
  }

  .service-card,
  .card,
  .step,
  .form-card,
  .contact-card {
    padding: 20px;
  }

  .footer-brand-box {
    padding: 14px 16px 12px;
  }
}

.section-title,
.animated-heading {
  font-family: "DM Serif Display", serif;
  letter-spacing: 0.3px;
}

.hero {
  position: relative;
  overflow: hidden;
  background: radial-gradient(circle at 20% 20%, rgba(200, 160, 77, 0.18), transparent 45%),
    radial-gradient(circle at 80% 0%, rgba(11, 31, 58, 0.18), transparent 50%),
    linear-gradient(135deg, #f7f3ea 0%, #f7fbff 55%, #ffffff 100%);
}

.hero::before,
.hero::after {
  content: "";
  position: absolute;
  width: 320px;
  height: 320px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(200, 160, 77, 0.25), transparent 70%);
  opacity: 0.7;
  z-index: 0;
}

.hero::before {
  top: -120px;
  right: -80px;
}

.hero::after {
  bottom: -160px;
  left: -120px;
}

.hero-grid,
.trust-grid,
.calculator-grid {
  position: relative;
  z-index: 1;
}

.hero-mini {
  margin-top: 18px;
  display: grid;
  gap: 12px;
  font-size: 0.95rem;
  color: var(--color-muted);
}

.hero-mini strong {
  display: block;
  color: var(--color-ink);
  font-weight: 600;
}

.mini-label {
  text-transform: uppercase;
  font-size: 0.72rem;
  letter-spacing: 0.18em;
}

/* Promotional Poster Banner - Cinematic Style */
.poster-banner {
  padding: 0;
  background: #050a12;
  overflow: hidden;
  position: relative;
}

/* Scanning Light Effect */
.poster-banner::before {
  content: '';
  position: absolute;
  top: 0;
  left: -100%;
  width: 50%;
  height: 100%;
  background: linear-gradient(90deg, transparent, rgba(200, 160, 77, 0.08), transparent);
  animation: scanLight 4s ease-in-out infinite;
  z-index: 2;
  pointer-events: none;
}

@keyframes scanLight {
  0% { left: -50%; }
  100% { left: 150%; }
}

/* Corner Accents */
.poster-banner::after {
  content: '';
  position: absolute;
  inset: 20px;
  border: 1px solid rgba(200, 160, 77, 0.15);
  pointer-events: none;
  z-index: 3;
}

.poster-bg-shapes {
  display: none;
}

.poster-container {
  max-width: 100%;
  margin: 0;
  padding: 0;
  position: relative;
}

.poster-wrapper {
  position: relative;
  overflow: hidden;
  border-radius: 0;
  background: transparent;
  padding: 0;
  border: none;
  box-shadow: none;
}

.poster-wrapper::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 120px;
  background: linear-gradient(180deg, #050a12 0%, transparent 100%);
  z-index: 1;
  pointer-events: none;
}

.poster-wrapper::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  height: 120px;
  background: linear-gradient(0deg, #050a12 0%, transparent 100%);
  z-index: 1;
  pointer-events: none;
}

.poster-wrapper img {
  width: 100%;
  height: auto;
  display: block;
  object-fit: cover;
  transition: transform 0.8s cubic-bezier(0.25, 0.46, 0.45, 0.94), filter 0.5s ease;
  filter: brightness(0.9) contrast(1.05);
}

.poster-wrapper:hover img {
  transform: scale(1.03);
  filter: brightness(1) contrast(1.1);
}

.poster-link {
  display: block;
  text-decoration: none;
  position: relative;
}

/* Overlay on hover */
.poster-link::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse at center, transparent 30%, rgba(5, 10, 18, 0.6) 100%);
  opacity: 0;
  transition: opacity 0.4s ease;
  z-index: 1;
  pointer-events: none;
}

.poster-link:hover::before {
  opacity: 1;
}

.poster-link::after {
  content: 'Apply Now';
  position: absolute;
  top: 50%;
  left: 50%;
  transform: translate(-50%, -50%) scale(0.9);
  padding: 18px 48px;
  background: transparent;
  color: #fff;
  font-weight: 700;
  font-size: 1.1rem;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  border: 2px solid var(--color-gold);
  opacity: 0;
  transition: all 0.4s cubic-bezier(0.4, 0, 0.2, 1);
  z-index: 4;
}

.poster-link:hover::after {
  opacity: 1;
  transform: translate(-50%, -50%) scale(1);
  background: var(--color-gold);
  color: #0b1f3a;
}

.poster-badge {
  position: absolute;
  top: 40px;
  left: 40px;
  background: transparent;
  color: var(--color-gold);
  padding: 10px 20px;
  border: 1px solid var(--color-gold);
  border-radius: 0;
  font-size: 0.75rem;
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.2em;
  z-index: 5;
}

/* Multiple posters carousel */
.poster-carousel {
  display: flex;
  gap: 20px;
  overflow-x: auto;
  scroll-behavior: smooth;
  padding: 10px 0;
  scrollbar-width: none;
  -ms-overflow-style: none;
}

.poster-carousel::-webkit-scrollbar {
  display: none;
}

.poster-carousel .poster-wrapper {
  flex: 0 0 100%;
  max-width: 100%;
}

@media (min-width: 768px) {
  .poster-carousel .poster-wrapper {
    flex: 0 0 calc(50% - 10px);
    max-width: calc(50% - 10px);
  }
}

@media (max-width: 600px) {
  .poster-banner {
    padding: 0;
  }
}

.trust-strip {
  padding-top: 0;
}

.trust-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 28px;
  align-items: center;
}

.eyebrow {
  text-transform: uppercase;
  letter-spacing: 0.3em;
  font-size: 0.7rem;
  color: var(--color-muted);
}

.hero-metrics {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(160px, 1fr));
  gap: 16px;
  margin-top: 24px;
}

.metric-card {
  background: #fff;
  border-radius: 16px;
  padding: 16px;
  box-shadow: var(--shadow-card);
  border: 1px solid rgba(11, 31, 58, 0.06);
}

.metric-value {
  font-size: 2rem;
  font-weight: 700;
  color: var(--color-navy);
  display: block;
}

.metric-label {
  font-size: 0.9rem;
  color: var(--color-muted);
}

.trust-panel {
  background: #ffffff;
  border-radius: 22px;
  padding: 24px;
  border: 1px solid rgba(11, 31, 58, 0.08);
  box-shadow: var(--shadow-soft);
}

.ticker {
  overflow: hidden;
  border-radius: 12px;
  background: var(--color-navy);
  color: #fff;
  padding: 10px 0;
  margin-bottom: 20px;
}

.ticker-track {
  display: flex;
  gap: 28px;
  white-space: nowrap;
  animation: ticker-slide 16s linear infinite;
  padding-left: 18px;
}

.ticker-track span {
  font-size: 0.95rem;
  letter-spacing: 0.05em;
  text-transform: uppercase;
}

@keyframes ticker-slide {
  0% {
    transform: translateX(0);
  }
  100% {
    transform: translateX(-50%);
  }
}

.pill-grid {
  display: grid;
  gap: 16px;
}

.pill-card {
  background: var(--color-surface);
  border-radius: 16px;
  padding: 16px;
  border: 1px solid rgba(11, 31, 58, 0.06);
}

.pill-card h4 {
  font-size: 1.05rem;
  margin-bottom: 6px;
}

.calculator-strip {
  background: linear-gradient(120deg, rgba(11, 31, 58, 0.04), rgba(200, 160, 77, 0.12));
}

.quick-links-section {
  background: linear-gradient(135deg, rgba(11, 31, 58, 0.06), rgba(200, 160, 77, 0.12));
}

.quick-links-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 22px;
  margin-top: 28px;
}

.quick-link-card {
  background: #fff;
  border-radius: 20px;
  padding: 18px;
  border: 1px solid rgba(11, 31, 58, 0.1);
  box-shadow: var(--shadow-card);
  display: grid;
  gap: 14px;
  justify-items: center;
  text-align: center;
  transition: transform 0.25s ease, box-shadow 0.25s ease, border-color 0.25s ease;
}

.quick-link-icon {
  width: 92px;
  height: 92px;
  display: grid;
  place-items: center;
  border-radius: 24px;
  background: linear-gradient(135deg, rgba(11, 31, 58, 0.08), rgba(200, 160, 77, 0.2));
  color: var(--color-navy);
  box-shadow: inset 0 0 0 1px rgba(11, 31, 58, 0.08);
}

.quick-link-icon i {
  font-size: 2.2rem;
}

.quick-link-card:hover {
  transform: translateY(-6px);
  box-shadow: 0 18px 34px rgba(11, 31, 58, 0.16);
  border-color: rgba(200, 160, 77, 0.45);
}

.quick-link-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 12px 18px;
  border-radius: 12px;
  background: linear-gradient(135deg, rgba(11, 31, 58, 0.98), rgba(15, 43, 82, 0.98));
  color: #fff;
  font-weight: 600;
  min-width: 170px;
  box-shadow: 0 12px 24px rgba(11, 31, 58, 0.28);
  transition: transform 0.2s ease, box-shadow 0.2s ease, background 0.2s ease;
}

.quick-link-btn:hover {
  transform: translateY(-2px);
  box-shadow: 0 16px 30px rgba(11, 31, 58, 0.32);
  background: linear-gradient(135deg, rgba(15, 43, 82, 0.98), rgba(20, 60, 110, 0.98));
}

.calculator-illustration {
  width: min(100%, 360px);
  height: auto;
  margin: 16px 0 6px;
  filter: drop-shadow(0 14px 28px rgba(11, 31, 58, 0.16));
  animation: floatSoft 7s ease-in-out infinite;
}

.calculator-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 24px;
  align-items: center;
}

.calculator-cards {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 16px;
}

.calc-card {
  background: #fff;
  border-radius: 18px;
  padding: 18px;
  border: 1px solid rgba(11, 31, 58, 0.08);
  box-shadow: var(--shadow-card);
  transition: transform 0.25s ease, box-shadow 0.25s ease;
}

.calc-card:hover {
  transform: translateY(-6px);
  box-shadow: 0 16px 34px rgba(11, 31, 58, 0.12);
}

.calc-card h3 {
  font-family: "DM Serif Display", serif;
  margin-bottom: 6px;
}

.explore-section {
  position: relative;
}

.filter-controls {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin: 20px 0 24px;
}

.filter-btn {
  border: 1px solid var(--color-border);
  background: #fff;
  padding: 8px 16px;
  border-radius: 999px;
  font-weight: 600;
  cursor: pointer;
  transition: all 0.2s ease;
}

.filter-btn.is-active,
.filter-btn:hover {
  background: var(--color-navy);
  color: #fff;
  border-color: var(--color-navy);
}

.filter-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 20px;
}

.filter-card {
  background: #fff;
  border-radius: 18px;
  padding: 18px;
  border: 1px solid rgba(11, 31, 58, 0.08);
  box-shadow: var(--shadow-card);
  display: grid;
  gap: 10px;
  transition: transform 0.2s ease, box-shadow 0.2s ease, border-color 0.2s ease;
}

.filter-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 14px 28px rgba(11, 31, 58, 0.12);
  border-color: rgba(200, 160, 77, 0.45);
}

.filter-icon {
  width: 56px;
  height: 56px;
  display: grid;
  place-items: center;
  border-radius: 16px;
  background: linear-gradient(135deg, rgba(11, 31, 58, 0.08), rgba(200, 160, 77, 0.22));
  color: var(--color-navy);
  box-shadow: inset 0 0 0 1px rgba(11, 31, 58, 0.08);
}

.filter-icon i {
  font-size: 1.5rem;
}

.filter-icon-img {
  width: 36px;
  height: 36px;
  object-fit: contain;
}

/* ===== EXPLORE SECTION - INTERACTIVE SHOWCASE ===== */
.explore-section {
  background: linear-gradient(180deg, #f8fafc 0%, #fff 100%);
  overflow: hidden;
}

.explore-section.section-modern {
  padding-top: 70px;
  padding-bottom: 70px;
}

.explore-header {
  text-align: center;
  margin-bottom: 32px;
}

.explore-header .accent-line {
  margin: 0 auto 16px;
}

.explore-tabs {
  display: flex;
  justify-content: center;
  gap: 12px;
  margin-bottom: 40px;
  max-width: 400px;
  margin-left: auto;
  margin-right: auto;
}

.explore-tab {
  flex: 1;
  padding: 14px 28px;
  border: 2px solid var(--color-border);
  background: #fff;
  border-radius: 50px;
  font-weight: 600;
  font-size: 0.95rem;
  cursor: pointer;
  transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
  position: relative;
  overflow: hidden;
  text-align: center;
}

.explore-tab::before {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, var(--color-navy), var(--color-navy-700));
  opacity: 0;
  transition: opacity 0.3s ease;
}

.explore-tab span {
  position: relative;
  z-index: 1;
}

.explore-tab:hover {
  border-color: var(--color-gold);
  transform: translateY(-2px);
  box-shadow: 0 8px 20px rgba(200, 160, 77, 0.2);
}

.explore-tab.is-active {
  background: linear-gradient(135deg, var(--color-navy), var(--color-navy-700));
  color: #fff;
  border-color: var(--color-navy);
  box-shadow: 0 10px 30px rgba(11, 31, 58, 0.25);
}

.explore-showcase {
  display: grid;
  grid-template-columns: 1fr 1.2fr;
  gap: 60px;
  align-items: center;
  padding: 50px;
  background: linear-gradient(135deg, var(--color-navy) 0%, #1a3a5c 100%);
  border-radius: 32px;
  border: 1px solid rgba(200, 160, 77, 0.15);
  box-shadow: 0 25px 70px rgba(11, 31, 58, 0.2);
  margin-bottom: 40px;
  position: relative;
  overflow: hidden;
}

.explore-showcase::before {
  content: '';
  position: absolute;
  top: -50%;
  right: -20%;
  width: 60%;
  height: 200%;
  background: radial-gradient(circle, rgba(200, 160, 77, 0.1) 0%, transparent 70%);
  pointer-events: none;
}

.showcase-display {
  position: relative;
  display: flex;
  align-items: center;
  justify-content: center;
  min-height: 420px;
}

.showcase-glow {
  position: absolute;
  width: 320px;
  height: 320px;
  background: conic-gradient(from 0deg, 
    rgba(200, 160, 77, 0.5), 
    rgba(11, 31, 58, 0.3), 
    rgba(200, 160, 77, 0.5), 
    rgba(11, 31, 58, 0.3), 
    rgba(200, 160, 77, 0.5));
  border-radius: 50%;
  animation: glowSpin 8s linear infinite;
  filter: blur(40px);
}

@keyframes glowSpin {
  0% { transform: rotate(0deg) scale(1); }
  50% { transform: rotate(180deg) scale(1.1); }
  100% { transform: rotate(360deg) scale(1); }
}

.showcase-icon-wrapper {
  position: relative;
  width: 280px;
  height: 280px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: linear-gradient(145deg, #ffffff, #f0f2f8);
  border-radius: 50%;
  box-shadow: 
    0 30px 60px rgba(11, 31, 58, 0.2),
    0 15px 30px rgba(11, 31, 58, 0.15),
    inset 0 -4px 0 rgba(11, 31, 58, 0.08),
    inset 0 4px 0 rgba(255, 255, 255, 0.9);
  animation: iconFloat 5s ease-in-out infinite;
  transition: transform 0.5s cubic-bezier(0.4, 0, 0.2, 1);
}

.showcase-icon-wrapper::before {
  content: '';
  position: absolute;
  inset: -12px;
  border-radius: 50%;
  padding: 3px;
  background: conic-gradient(from 0deg, var(--color-gold), var(--color-navy), var(--color-gold), var(--color-navy), var(--color-gold));
  -webkit-mask: linear-gradient(#fff 0 0) content-box, linear-gradient(#fff 0 0);
  mask: linear-gradient(#fff 0 0) content-box, linear-gradient(#fff 0 0);
  -webkit-mask-composite: xor;
  mask-composite: exclude;
  animation: ringRotate 6s linear infinite;
}

.showcase-icon-wrapper::after {
  content: '';
  position: absolute;
  inset: -28px;
  border-radius: 50%;
  border: 2px dashed rgba(200, 160, 77, 0.4);
  animation: ringRotateReverse 12s linear infinite;
}

@keyframes ringRotate {
  0% { transform: rotate(0deg); }
  100% { transform: rotate(360deg); }
}

@keyframes ringRotateReverse {
  0% { transform: rotate(360deg); }
  100% { transform: rotate(0deg); }
}

.showcase-icon-wrapper:hover {
  transform: scale(1.08);
}

@keyframes iconFloat {
  0%, 100% { transform: translateY(0) rotate(0deg); }
  25% { transform: translateY(-10px) rotate(2deg); }
  50% { transform: translateY(-16px) rotate(0deg); }
  75% { transform: translateY(-10px) rotate(-2deg); }
}

.showcase-icon {
  width: 270px;
  height: 270px;
  object-fit: contain;
  filter: drop-shadow(0 10px 25px rgba(11, 31, 58, 0.2));
  transition: transform 0.5s cubic-bezier(0.4, 0, 0.2, 1), opacity 0.3s ease, filter 0.3s ease;
}

.showcase-icon-wrapper:hover .showcase-icon {
  filter: drop-shadow(0 15px 35px rgba(200, 160, 77, 0.35));
  transform: scale(1.05);
}

.showcase-icon.changing {
  transform: scale(0.6) rotate(-20deg);
  opacity: 0;
  filter: blur(10px);
}

.showcase-particles {
  position: absolute;
  inset: 0;
  pointer-events: none;
}

.showcase-particles span {
  position: absolute;
  width: 10px;
  height: 10px;
  background: linear-gradient(135deg, var(--color-gold), #ffd700);
  border-radius: 50%;
  animation: particleOrbit 8s ease-in-out infinite;
  box-shadow: 0 0 15px rgba(200, 160, 77, 0.6);
}

.showcase-particles span:nth-child(1) { top: 5%; left: 50%; animation-delay: 0s; transform-origin: 0 200px; }
.showcase-particles span:nth-child(2) { top: 50%; right: 5%; animation-delay: 1.3s; transform-origin: -150px 0; }
.showcase-particles span:nth-child(3) { bottom: 5%; left: 50%; animation-delay: 2.6s; transform-origin: 0 -200px; }
.showcase-particles span:nth-child(4) { top: 50%; left: 5%; animation-delay: 4s; transform-origin: 150px 0; }
.showcase-particles span:nth-child(5) { top: 15%; left: 15%; animation-delay: 5.3s; width: 6px; height: 6px; transform-origin: 100px 100px; }
.showcase-particles span:nth-child(6) { bottom: 15%; right: 15%; animation-delay: 6.6s; width: 6px; height: 6px; transform-origin: -100px -100px; }

@keyframes particleOrbit {
  0%, 100% { transform: rotate(0deg) translateX(20px) scale(1); opacity: 0.8; }
  25% { transform: rotate(90deg) translateX(30px) scale(1.3); opacity: 1; }
  50% { transform: rotate(180deg) translateX(20px) scale(1); opacity: 0.8; }
  75% { transform: rotate(270deg) translateX(30px) scale(1.3); opacity: 1; }
}

.showcase-content {
  position: relative;
  transition: opacity 0.3s ease, transform 0.3s ease;
}

.showcase-badge {
  display: inline-block;
  padding: 6px 16px;
  background: linear-gradient(135deg, rgba(200, 160, 77, 0.2), rgba(200, 160, 77, 0.3));
  color: var(--color-gold);
  font-size: 0.8rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 1px;
  border-radius: 50px;
  margin-bottom: 16px;
  border: 1px solid rgba(200, 160, 77, 0.4);
}

.showcase-title {
  font-family: 'DM Serif Display', serif;
  font-size: 2.4rem;
  color: #fff;
  margin-bottom: 16px;
  line-height: 1.2;
  transition: opacity 0.3s ease, transform 0.3s ease;
}

.showcase-desc {
  font-size: 1.05rem;
  color: rgba(255, 255, 255, 0.75);
  line-height: 1.7;
  margin-bottom: 24px;
  transition: opacity 0.3s ease, transform 0.3s ease;
}

.showcase-features {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-bottom: 28px;
  list-style: none;
}

.showcase-features li {
  display: flex;
  align-items: center;
  gap: 8px;
  padding: 8px 16px;
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.1);
  border-radius: 10px;
  font-size: 0.9rem;
  font-weight: 500;
  color: rgba(255, 255, 255, 0.9);
  transition: all 0.3s ease;
}

.showcase-features li::before {
  content: '✓';
  display: flex;
  align-items: center;
  justify-content: center;
  width: 20px;
  height: 20px;
  background: linear-gradient(135deg, var(--color-gold), #d4a84a);
  color: #fff;
  border-radius: 50%;
  font-size: 0.7rem;
  font-weight: 700;
}

.showcase-features li:hover {
  background: rgba(200, 160, 77, 0.15);
  border-color: rgba(200, 160, 77, 0.3);
  transform: translateX(4px);
}

.showcase-cta {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  padding: 16px 32px;
  background: linear-gradient(135deg, var(--color-gold), #d4a84a);
  color: var(--color-navy);
  font-weight: 700;
  font-size: 1rem;
  border-radius: 14px;
  box-shadow: 0 12px 30px rgba(200, 160, 77, 0.4);
  transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
  position: relative;
  overflow: hidden;
}

.showcase-cta::before {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, #fff, #f8f8f8);
  opacity: 0;
  transition: opacity 0.3s ease;
}

.showcase-cta span,
.showcase-cta svg {
  position: relative;
  z-index: 1;
}

.showcase-cta:hover {
  transform: translateY(-3px);
  box-shadow: 0 18px 40px rgba(200, 160, 77, 0.5);
}

.showcase-cta:hover::before {
  opacity: 1;
}

.showcase-cta svg {
  transition: transform 0.3s ease;
}

.showcase-cta:hover svg {
  transform: translateX(4px);
}

/* Carousel */
/* Tiles - Simple Horizontal Scroll */
.explore-tiles {
  display: flex;
  gap: 16px;
  overflow-x: auto;
  scroll-behavior: smooth;
  padding: 20px 10px;
  margin-bottom: 40px;
  scrollbar-width: none;
  -ms-overflow-style: none;
}

.explore-tiles::-webkit-scrollbar {
  display: none;
}

.tile-item {
  flex: 0 0 calc((100% - 64px) / 5);
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 12px;
  padding: 24px 16px;
  background: #fff;
  border: 2px solid rgba(11, 31, 58, 0.06);
  border-radius: 20px;
  cursor: pointer;
  transition: all 0.3s ease;
  min-width: 140px;
}

.tile-item img {
  width: 100px;
  height: 100px;
  object-fit: contain;
  transition: transform 0.3s ease;
}

.tile-item span {
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--color-navy);
  text-align: center;
  white-space: nowrap;
}

.tile-item:hover {
  border-color: rgba(200, 160, 77, 0.5);
  transform: translateY(-4px);
  box-shadow: 0 10px 25px rgba(11, 31, 58, 0.1);
}

.tile-item:hover img {
  transform: scale(1.1);
}

.tile-item.is-active {
  border-color: var(--color-gold);
  background: linear-gradient(135deg, rgba(200, 160, 77, 0.08), #fff);
  box-shadow: 0 8px 24px rgba(200, 160, 77, 0.2);
}

.tile-item.is-active img {
  transform: scale(1.05);
}

.tile-item.is-hidden {
  display: none;
}

/* Tiles Wrapper with Arrows */
.tiles-wrapper {
  position: relative;
  display: flex;
  align-items: center;
  gap: 12px;
  max-width: 100%;
}

.tiles-arrow {
  flex-shrink: 0;
  width: 44px;
  height: 44px;
  border-radius: 50%;
  border: 2px solid var(--color-gold);
  background: linear-gradient(135deg, rgba(200, 160, 77, 0.1), #fff);
  color: var(--color-gold);
  font-size: 1.2rem;
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  transition: all 0.3s ease;
  z-index: 10;
}

.tiles-arrow:hover {
  background: var(--color-gold);
  color: #fff;
  transform: scale(1.1);
  box-shadow: 0 4px 15px rgba(200, 160, 77, 0.4);
}

.tiles-arrow:active {
  transform: scale(0.95);
}

.tiles-arrow:disabled {
  opacity: 0.4;
  cursor: not-allowed;
}

.tiles-arrow:disabled:hover {
  background: linear-gradient(135deg, rgba(200, 160, 77, 0.1), #fff);
  color: var(--color-gold);
  transform: none;
  box-shadow: none;
}

@media (max-width: 1200px) {
  .tile-item {
    flex: 0 0 calc((100% - 48px) / 4);
    min-width: 130px;
  }
}

@media (max-width: 900px) {
  .tile-item {
    flex: 0 0 calc((100% - 32px) / 3);
    min-width: 120px;
  }
  
  .tile-item img {
    width: 80px;
    height: 80px;
  }
}

@media (max-width: 600px) {
  .tiles-arrow {
    width: 36px;
    height: 36px;
    font-size: 1rem;
  }
  
  .tile-item {
    flex: 0 0 calc((100% - 16px) / 2);
    min-width: 100px;
    padding: 16px;
  }
  
  .tile-item img {
    width: 64px;
    height: 64px;
  }
  
  .tile-item span {
    font-size: 0.75rem;
  }
  
  .explore-tabs {
    max-width: 100%;
  }
}

/* Carousel (keeping for compatibility) */
.explore-carousel {
  position: relative;
  padding: 10px 0;
}

.carousel-track {
  display: flex;
  gap: 16px;
  overflow-x: auto;
  scroll-behavior: smooth;
  padding: 20px 10px;
  scrollbar-width: none;
  -ms-overflow-style: none;
}

.carousel-track::-webkit-scrollbar {
  display: none;
}

.carousel-item {
  flex: 0 0 auto;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 12px;
  padding: 20px 24px;
  background: #fff;
  border: 2px solid transparent;
  border-radius: 20px;
  cursor: pointer;
  transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
  min-width: 130px;
  box-shadow: 0 4px 15px rgba(11, 31, 58, 0.06);
  position: relative;
  overflow: hidden;
}

.carousel-item::before {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(200, 160, 77, 0.1), rgba(200, 160, 77, 0.05));
  opacity: 0;
  transition: opacity 0.3s ease;
}

.carousel-item img {
  width: 56px;
  height: 56px;
  object-fit: contain;
  transition: transform 0.3s ease;
  position: relative;
  z-index: 1;
}

.carousel-item span {
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--color-navy);
  text-align: center;
  white-space: nowrap;
  position: relative;
  z-index: 1;
}

.carousel-item:hover {
  transform: translateY(-8px);
  box-shadow: 0 15px 35px rgba(11, 31, 58, 0.12);
  border-color: rgba(200, 160, 77, 0.3);
}

.carousel-item:hover::before {
  opacity: 1;
}

.carousel-item:hover img {
  transform: scale(1.15) rotate(5deg);
}

.carousel-item.is-active {
  border-color: var(--color-gold);
  background: linear-gradient(135deg, rgba(200, 160, 77, 0.08), rgba(255, 255, 255, 1));
  box-shadow: 0 15px 40px rgba(200, 160, 77, 0.2);
  transform: translateY(-4px);
}

.carousel-item.is-active::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 50%;
  transform: translateX(-50%);
  width: 40%;
  height: 3px;
  background: linear-gradient(90deg, transparent, var(--color-gold), transparent);
  border-radius: 3px;
}

.carousel-item.is-hidden {
  display: none;
}

/* Responsive */
@media (max-width: 900px) {
  .explore-showcase {
    grid-template-columns: 1fr;
    gap: 40px;
    padding: 30px;
  }
  
  .showcase-display {
    min-height: 320px;
  }
  
  .showcase-glow {
    width: 240px;
    height: 240px;
  }
  
  .showcase-icon-wrapper {
    width: 220px;
    height: 220px;
  }
  
  .showcase-icon-wrapper::before {
    inset: -10px;
  }
  
  .showcase-icon-wrapper::after {
    inset: -22px;
  }
  
  .showcase-icon {
    width: 210px;
    height: 210px;
  }
  
  .showcase-title {
    font-size: 1.8rem;
  }
}

@media (max-width: 600px) {
  .explore-tabs {
    flex-wrap: wrap;
  }
  
  .explore-tab {
    padding: 10px 20px;
    font-size: 0.85rem;
  }
  
  .explore-showcase {
    padding: 24px;
    border-radius: 24px;
  }
  
  .showcase-display {
    min-height: 260px;
  }
  
  .showcase-glow {
    width: 180px;
    height: 180px;
  }
  
  .showcase-icon-wrapper {
    width: 160px;
    height: 160px;
  }
  
  .showcase-icon-wrapper::before {
    inset: -8px;
    padding: 2px;
  }
  
  .showcase-icon-wrapper::after {
    inset: -18px;
  }
  
  .showcase-icon {
    width: 150px;
    height: 150px;
  }
  
  .showcase-title {
    font-size: 1.5rem;
  }
  
  .showcase-features {
    gap: 8px;
  }
  
  .showcase-features li {
    padding: 6px 12px;
    font-size: 0.8rem;
  }
  
  .showcase-cta {
    padding: 14px 24px;
    font-size: 0.9rem;
  }
  
  .carousel-item {
    padding: 16px 18px;
    min-width: 110px;
  }
  
  .carousel-item img {
    width: 44px;
    height: 44px;
  }
  
  .carousel-item span {
    font-size: 0.75rem;
  }
  
  .showcase-particles span {
    width: 6px;
    height: 6px;
  }
}

.card-icon {
  width: 56px;
  height: 56px;
  object-fit: contain;
  margin-bottom: 12px;
  border-radius: 12px;
  background: linear-gradient(135deg, rgba(11, 31, 58, 0.06), rgba(200, 160, 77, 0.15));
  padding: 10px;
  box-shadow: inset 0 0 0 1px rgba(11, 31, 58, 0.06);
  transition: transform 0.3s ease;
}

.card:hover .card-icon {
  transform: scale(1.08);
}

.filter-link {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 10px 14px;
  border-radius: 12px;
  background: linear-gradient(135deg, rgba(11, 31, 58, 0.98), rgba(15, 43, 82, 0.98));
  color: #fff;
  font-weight: 600;
  width: fit-content;
  box-shadow: 0 10px 20px rgba(11, 31, 58, 0.22);
  transition: transform 0.2s ease, box-shadow 0.2s ease, background 0.2s ease;
}

.filter-link:hover {
  transform: translateY(-2px);
  box-shadow: 0 14px 24px rgba(11, 31, 58, 0.28);
  background: linear-gradient(135deg, rgba(15, 43, 82, 0.98), rgba(20, 60, 110, 0.98));
}

.text-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  margin-top: 10px;
  font-weight: 600;
  color: var(--color-navy);
}

.text-link::after {
  content: "\2192";
  transition: transform 0.2s ease;
}

.text-link:hover::after {
  transform: translateX(4px);
}

@media (max-width: 900px) {
  .ticker-track {
    animation-duration: 20s;
  }
}

@media (max-width: 720px) {
  .hero::before,
  .hero::after {
    opacity: 0.4;
  }

  .hero-mini {
    grid-template-columns: 1fr;
  }
}
/* ========================== */
/* MODERN SECTIONS - Global   */
/* ========================== */

.section-modern {
  padding: 70px 0;
  position: relative;
  overflow: hidden;
}

.section-header-modern {
  max-width: 700px;
  margin-bottom: 50px;
}

.section-header-modern.center {
  text-align: center;
  margin-left: auto;
  margin-right: auto;
}

.section-tag {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 8px 16px;
  background: linear-gradient(135deg, rgba(200, 160, 77, 0.15), rgba(200, 160, 77, 0.05));
  border: 1px solid rgba(200, 160, 77, 0.3);
  border-radius: 30px;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--color-gold);
  margin-bottom: 20px;
  text-transform: uppercase;
  letter-spacing: 1px;
}

.section-tag i {
  font-size: 0.9rem;
}

.section-tag.light {
  background: rgba(255, 255, 255, 0.1);
  border-color: rgba(255, 255, 255, 0.2);
  color: rgba(255, 255, 255, 0.9);
}

.section-title-modern {
  font-family: "DM Serif Display", serif;
  font-size: clamp(2rem, 4vw, 3rem);
  font-weight: 400;
  line-height: 1.2;
  margin-bottom: 20px;
  color: var(--color-ink);
}

.section-title-modern.light {
  color: #fff;
}

.text-gradient {
  background: linear-gradient(135deg, var(--color-gold), #e8c168);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.section-desc-modern {
  font-size: 1.1rem;
  color: var(--color-muted);
  line-height: 1.7;
}

.section-desc-modern.light {
  color: rgba(255, 255, 255, 0.7);
}

/* ========================== */
/* WHY CHOOSE SECTION         */
/* ========================== */

.why-choose-modern {
  background: linear-gradient(180deg, #f8fafc 0%, #fff 100%);
  position: relative;
  overflow: hidden;
}

.why-choose-bg {
  position: absolute;
  inset: 0;
  pointer-events: none;
}

.why-bg-shape {
  position: absolute;
  border-radius: 50%;
  filter: blur(80px);
  opacity: 0.5;
}

.why-bg-shape.shape-1 {
  width: 400px;
  height: 400px;
  background: linear-gradient(135deg, rgba(200, 160, 77, 0.15), rgba(200, 160, 77, 0.05));
  top: -100px;
  right: -100px;
  animation: floatShape 8s ease-in-out infinite;
}

.why-bg-shape.shape-2 {
  width: 300px;
  height: 300px;
  background: linear-gradient(135deg, rgba(59, 130, 246, 0.1), rgba(59, 130, 246, 0.03));
  bottom: -50px;
  left: -50px;
  animation: floatShape 10s ease-in-out infinite reverse;
}

@keyframes floatShape {
  0%, 100% { transform: translate(0, 0) scale(1); }
  50% { transform: translate(20px, -20px) scale(1.05); }
}

.why-bg-dots {
  position: absolute;
  inset: 0;
  background-image: radial-gradient(circle, rgba(11, 31, 58, 0.03) 1px, transparent 1px);
  background-size: 30px 30px;
}

.why-choose-layout {
  display: grid;
  grid-template-columns: 1.1fr 1fr;
  gap: 60px;
  align-items: center;
  position: relative;
  z-index: 2;
}

.why-choose-content {
  animation: slideInLeft 0.8s ease-out;
}

@keyframes slideInLeft {
  from { opacity: 0; transform: translateX(-40px); }
  to { opacity: 1; transform: translateX(0); }
}

/* Feature List */
.features-list-modern {
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.feature-item-modern {
  display: flex;
  align-items: center;
  gap: 20px;
  background: #fff;
  padding: 20px 24px;
  border-radius: 16px;
  border: 1px solid rgba(0, 0, 0, 0.06);
  box-shadow: 0 4px 20px rgba(11, 31, 58, 0.04);
  transition: all 0.4s cubic-bezier(0.4, 0, 0.2, 1);
  cursor: pointer;
  position: relative;
  overflow: hidden;
}

.feature-item-modern::before {
  content: '';
  position: absolute;
  left: 0;
  top: 0;
  bottom: 0;
  width: 4px;
  background: linear-gradient(180deg, var(--color-gold), #e8c168);
  transform: scaleY(0);
  transition: transform 0.3s ease;
}

.feature-item-modern:hover {
  transform: translateX(8px);
  box-shadow: 0 10px 40px rgba(11, 31, 58, 0.1);
  border-color: rgba(200, 160, 77, 0.3);
}

.feature-item-modern:hover::before {
  transform: scaleY(1);
}

.feature-icon-box {
  width: 56px;
  height: 56px;
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  position: relative;
  transition: all 0.4s ease;
}

.feature-icon-box i {
  font-size: 1.4rem;
  color: #fff;
  position: relative;
  z-index: 2;
}

.feature-icon-box .icon-ring {
  position: absolute;
  inset: -4px;
  border-radius: 18px;
  border: 2px dashed currentColor;
  opacity: 0;
  transition: all 0.4s ease;
}

.feature-item-modern:hover .icon-ring {
  opacity: 0.3;
  animation: spinRing 8s linear infinite;
}

@keyframes spinRing {
  from { transform: rotate(0deg); }
  to { transform: rotate(360deg); }
}

.feature-icon-box.trusted {
  background: linear-gradient(135deg, #10b981, #34d399);
  color: #10b981;
}

.feature-icon-box.network {
  background: linear-gradient(135deg, #3b82f6, #60a5fa);
  color: #3b82f6;
}

.feature-icon-box.support {
  background: linear-gradient(135deg, #8b5cf6, #a78bfa);
  color: #8b5cf6;
}

.feature-icon-box.quick {
  background: linear-gradient(135deg, #f59e0b, #fbbf24);
  color: #f59e0b;
}

.feature-info {
  flex: 1;
}

.feature-info h3 {
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--color-ink);
  margin-bottom: 4px;
}

.feature-info p {
  font-size: 0.9rem;
  color: var(--color-muted);
  line-height: 1.5;
}

.feature-arrow {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: rgba(200, 160, 77, 0.1);
  display: flex;
  align-items: center;
  justify-content: center;
  opacity: 0;
  transform: translateX(-10px);
  transition: all 0.4s ease;
}

.feature-arrow i {
  color: var(--color-gold);
  font-size: 1rem;
}

.feature-item-modern:hover .feature-arrow {
  opacity: 1;
  transform: translateX(0);
}

/* Right Visual */
.why-choose-visual {
  position: relative;
  height: 480px;
  animation: slideInRight 0.8s ease-out 0.2s both;
}

@keyframes slideInRight {
  from { opacity: 0; transform: translateX(40px); }
  to { opacity: 1; transform: translateX(0); }
}

.visual-main-card {
  position: absolute;
  top: 50%;
  left: 50%;
  transform: translate(-50%, -50%);
  width: 280px;
  background: linear-gradient(145deg, #fff, #f8fafc);
  border-radius: 24px;
  padding: 30px;
  box-shadow: 0 20px 60px rgba(11, 31, 58, 0.12);
  border: 1px solid rgba(255, 255, 255, 0.8);
  z-index: 3;
}

.visual-glow {
  position: absolute;
  top: -20%;
  left: -20%;
  right: -20%;
  bottom: -20%;
  background: radial-gradient(circle, rgba(200, 160, 77, 0.15), transparent 60%);
  z-index: -1;
  animation: pulseGlow 3s ease-in-out infinite;
}

@keyframes pulseGlow {
  0%, 100% { opacity: 0.5; transform: scale(1); }
  50% { opacity: 1; transform: scale(1.1); }
}

.visual-header {
  text-align: center;
  margin-bottom: 20px;
}

.visual-badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: linear-gradient(135deg, #10b981, #34d399);
  color: #fff;
  padding: 6px 14px;
  border-radius: 20px;
  font-size: 0.75rem;
  font-weight: 600;
}

.visual-stats-ring {
  position: relative;
  width: 160px;
  height: 160px;
  margin: 0 auto 20px;
}

.progress-ring {
  width: 100%;
  height: 100%;
  transform: rotate(-90deg);
}

.ring-bg {
  fill: none;
  stroke: #e5e7eb;
  stroke-width: 12;
}

.ring-progress {
  fill: none;
  stroke: var(--color-gold);
  stroke-width: 12;
  stroke-linecap: round;
  stroke-dasharray: 534;
  stroke-dashoffset: 534;
  animation: fillRing 2s ease-out forwards;
  animation-delay: 0.5s;
}

@keyframes fillRing {
  to { stroke-dashoffset: 10.68; }
}

.ring-content {
  position: absolute;
  top: 50%;
  left: 50%;
  transform: translate(-50%, -50%);
  text-align: center;
}

.ring-value {
  display: block;
  font-size: 2rem;
  font-weight: 800;
  color: var(--color-navy);
  line-height: 1;
}

.ring-label {
  font-size: 0.75rem;
  color: var(--color-muted);
  text-transform: uppercase;
  letter-spacing: 0.5px;
}

.visual-mini-stats {
  display: flex;
  gap: 12px;
}

.mini-stat {
  flex: 1;
  display: flex;
  align-items: center;
  gap: 6px;
  background: rgba(11, 31, 58, 0.04);
  padding: 10px 12px;
  border-radius: 10px;
  font-size: 0.75rem;
  font-weight: 600;
  color: var(--color-navy);
}

.mini-stat i {
  color: var(--color-gold);
}

/* Floating Badges */
.floating-badge {
  position: absolute;
  display: flex;
  align-items: center;
  gap: 8px;
  background: #fff;
  padding: 12px 18px;
  border-radius: 30px;
  box-shadow: 0 10px 30px rgba(11, 31, 58, 0.12);
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--color-navy);
  z-index: 4;
  animation: floatBadge 4s ease-in-out infinite;
}

.floating-badge i {
  font-size: 1.1rem;
}

.floating-badge.badge-1 {
  top: 10%;
  left: 0;
  animation-delay: 0s;
}

.floating-badge.badge-1 i {
  color: #10b981;
}

.floating-badge.badge-2 {
  bottom: 15%;
  right: 0;
  animation-delay: 1s;
}

.floating-badge.badge-2 i {
  color: #3b82f6;
}

@keyframes floatBadge {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-10px); }
}

/* Floating Icons */
.floating-icon {
  position: absolute;
  width: 50px;
  height: 50px;
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  z-index: 2;
  animation: floatIcon 5s ease-in-out infinite;
}

.floating-icon i {
  font-size: 1.3rem;
  color: #fff;
}

.floating-icon.icon-1 {
  top: 5%;
  right: 15%;
  background: linear-gradient(135deg, #3b82f6, #60a5fa);
  animation-delay: 0.5s;
}

.floating-icon.icon-2 {
  bottom: 25%;
  left: 5%;
  background: linear-gradient(135deg, #f59e0b, #fbbf24);
  animation-delay: 1s;
}

.floating-icon.icon-3 {
  top: 40%;
  right: 0;
  background: linear-gradient(135deg, #8b5cf6, #a78bfa);
  animation-delay: 1.5s;
}

@keyframes floatIcon {
  0%, 100% { transform: translateY(0) rotate(0deg); }
  50% { transform: translateY(-15px) rotate(5deg); }
}

/* SVG Gradient Definition - Add to HTML */
.why-choose-modern svg defs {
  display: block;
}

/* Responsive */
@media (max-width: 1024px) {
  .why-choose-layout {
    grid-template-columns: 1fr;
    gap: 40px;
  }
  
  .why-choose-visual {
    height: 400px;
    order: -1;
  }
  
  .visual-main-card {
    position: relative;
    top: auto;
    left: auto;
    transform: none;
    margin: 0 auto;
  }
  
  .floating-badge.badge-1 {
    left: 10%;
  }
  
  .floating-badge.badge-2 {
    right: 10%;
  }
}

@media (max-width: 768px) {
  .why-choose-visual {
    height: auto;
    padding: 60px 0;
  }
  
  .floating-badge,
  .floating-icon {
    display: none;
  }
  
  .feature-item-modern {
    padding: 16px 18px;
  }
  
  .feature-icon-box {
    width: 48px;
    height: 48px;
  }
  
  .feature-icon-box i {
    font-size: 1.2rem;
  }
  
  .feature-arrow {
    display: none;
  }
}

/* ========================== */
/* SERVICES SECTION           */
/* ========================== */

.services-modern {
  background: #fff;
}

.services-cards-modern {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}

.service-card-modern {
  position: relative;
  background: #fff;
  border-radius: 24px;
  padding: 40px 30px;
  text-decoration: none;
  border: 1px solid rgba(0, 0, 0, 0.08);
  transition: all 0.4s ease;
  overflow: hidden;
  display: flex;
  flex-direction: column;
}

.service-card-modern:hover {
  transform: translateY(-10px);
  box-shadow: 0 25px 60px rgba(11, 31, 58, 0.15);
}

.service-loans:hover {
  border-color: rgba(46, 125, 50, 0.3);
  background: linear-gradient(180deg, rgba(46, 125, 50, 0.03), #fff);
}

.service-insurance:hover {
  border-color: rgba(25, 118, 210, 0.3);
  background: linear-gradient(180deg, rgba(25, 118, 210, 0.03), #fff);
}

.service-invest:hover {
  border-color: rgba(156, 39, 176, 0.3);
  background: linear-gradient(180deg, rgba(156, 39, 176, 0.03), #fff);
}

.service-calc:hover {
  border-color: rgba(245, 124, 0, 0.3);
  background: linear-gradient(180deg, rgba(245, 124, 0, 0.03), #fff);
}

.service-icon-wrapper {
  width: 70px;
  height: 70px;
  border-radius: 20px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 25px;
  transition: all 0.4s ease;
}

.service-loans .service-icon-wrapper {
  background: linear-gradient(135deg, #2e7d32, #4caf50);
}

.service-insurance .service-icon-wrapper {
  background: linear-gradient(135deg, #1976d2, #42a5f5);
}

.service-invest .service-icon-wrapper {
  background: linear-gradient(135deg, #9c27b0, #ba68c8);
}

.service-calc .service-icon-wrapper {
  background: linear-gradient(135deg, #f57c00, #ffb74d);
}

.service-icon-wrapper i {
  font-size: 1.8rem;
  color: #fff;
}

.service-content h3 {
  font-size: 1.4rem;
  font-weight: 700;
  margin-bottom: 10px;
  color: var(--color-ink);
}

.service-content p {
  font-size: 0.95rem;
  color: var(--color-muted);
  line-height: 1.6;
  margin-bottom: 20px;
  flex-grow: 1;
}

.service-link {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-weight: 600;
  font-size: 0.95rem;
  color: var(--color-navy);
  transition: all 0.3s ease;
}

.service-link i {
  transition: transform 0.3s ease;
}

.service-card-modern:hover .service-link i {
  transform: translateX(5px);
}

.service-bg-icon {
  position: absolute;
  bottom: -20px;
  right: -20px;
  font-size: 8rem;
  color: rgba(0, 0, 0, 0.02);
  pointer-events: none;
  transition: all 0.4s ease;
}

.service-card-modern:hover .service-bg-icon {
  color: rgba(0, 0, 0, 0.04);
  transform: scale(1.1);
}

/* ========================== */
/* CALCULATOR SECTION         */
/* ========================== */

.calculator-modern {
  background: linear-gradient(135deg, var(--color-navy) 0%, #1a3a5c 100%);
  position: relative;
}

.calculator-bg-pattern {
  position: absolute;
  inset: 0;
  background-image: 
    radial-gradient(circle at 20% 20%, rgba(200, 160, 77, 0.1) 0%, transparent 50%),
    radial-gradient(circle at 80% 80%, rgba(200, 160, 77, 0.08) 0%, transparent 50%);
  pointer-events: none;
}

.calculator-layout {
  display: grid;
  grid-template-columns: 1fr 1.2fr;
  gap: 60px;
  align-items: center;
}

.calculator-info {
  position: relative;
  z-index: 1;
}

.calculator-cta-group {
  display: flex;
  gap: 15px;
  margin-top: 30px;
}

.calc-cta-primary,
.calc-cta-secondary {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 14px 24px;
  border-radius: 12px;
  font-weight: 600;
  transition: all 0.3s ease;
}

.calc-cta-primary {
  background: var(--color-gold);
  color: var(--color-navy);
  box-shadow: 0 10px 30px rgba(200, 160, 77, 0.3);
}

.calc-cta-primary:hover {
  transform: translateY(-3px);
  box-shadow: 0 15px 40px rgba(200, 160, 77, 0.4);
}

.calc-cta-secondary {
  background: rgba(255, 255, 255, 0.1);
  color: #fff;
  border: 1px solid rgba(255, 255, 255, 0.2);
}

.calc-cta-secondary:hover {
  background: rgba(255, 255, 255, 0.15);
}

.calculator-grid-modern {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
}

.calc-card-modern {
  background: rgba(255, 255, 255, 0.05);
  border: 1px solid rgba(255, 255, 255, 0.1);
  border-radius: 16px;
  padding: 25px;
  text-decoration: none;
  transition: all 0.4s ease;
}

.calc-card-modern:hover {
  background: rgba(255, 255, 255, 0.1);
  border-color: rgba(200, 160, 77, 0.4);
  transform: translateY(-5px);
}

.calc-card-modern i {
  font-size: 1.8rem;
  color: var(--color-gold);
  margin-bottom: 15px;
}

.calc-card-modern h4 {
  font-size: 1rem;
  font-weight: 600;
  color: #fff;
  margin-bottom: 8px;
}

.calc-card-modern p {
  font-size: 0.85rem;
  color: rgba(255, 255, 255, 0.6);
  line-height: 1.5;
}

/* ========================== */
/* 3-STEP PROCESS SECTION     */
/* ========================== */

.process-modern {
  background: linear-gradient(180deg, #fff 0%, #f8fafc 100%);
}

.process-timeline {
  position: relative;
  max-width: 900px;
  margin: 0 auto 60px;
}

.timeline-line {
  position: absolute;
  left: 40px;
  top: 0;
  bottom: 0;
  width: 3px;
  background: linear-gradient(180deg, var(--color-gold), rgba(200, 160, 77, 0.2));
  border-radius: 3px;
}

.process-step-modern {
  display: flex;
  gap: 40px;
  margin-bottom: 50px;
  position: relative;
}

.process-step-modern:last-child {
  margin-bottom: 0;
}

.step-marker {
  position: relative;
  flex-shrink: 0;
  width: 80px;
  display: flex;
  align-items: flex-start;
  justify-content: center;
}

.step-number {
  width: 80px;
  height: 80px;
  background: linear-gradient(135deg, var(--color-navy), var(--color-navy-700));
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  font-weight: 800;
  color: var(--color-gold);
  box-shadow: 0 10px 30px rgba(11, 31, 58, 0.2);
  position: relative;
  z-index: 2;
}

.step-pulse {
  position: absolute;
  top: 50%;
  left: 50%;
  transform: translate(-50%, -50%);
  width: 80px;
  height: 80px;
  border-radius: 50%;
  background: rgba(200, 160, 77, 0.2);
  animation: pulse-ring 2s ease-out infinite;
}

@keyframes pulse-ring {
  0% {
    transform: translate(-50%, -50%) scale(1);
    opacity: 0.6;
  }
  100% {
    transform: translate(-50%, -50%) scale(1.5);
    opacity: 0;
  }
}

.step-content-modern {
  background: #fff;
  border-radius: 20px;
  padding: 35px;
  flex-grow: 1;
  box-shadow: 0 10px 40px rgba(11, 31, 58, 0.06);
  border: 1px solid rgba(0, 0, 0, 0.05);
  transition: all 0.4s ease;
}

.process-step-modern:hover .step-content-modern {
  transform: translateX(10px);
  box-shadow: 0 15px 50px rgba(11, 31, 58, 0.1);
  border-color: rgba(200, 160, 77, 0.2);
}

.step-icon-modern {
  width: 50px;
  height: 50px;
  background: linear-gradient(135deg, rgba(200, 160, 77, 0.15), rgba(200, 160, 77, 0.05));
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
}

.step-icon-modern i {
  font-size: 1.4rem;
  color: var(--color-gold);
}

.step-content-modern h3 {
  font-size: 1.3rem;
  font-weight: 700;
  margin-bottom: 12px;
  color: var(--color-ink);
}

.step-content-modern p {
  font-size: 1rem;
  color: var(--color-muted);
  line-height: 1.7;
}

/* Process CTA */
.process-cta {
  display: flex;
  justify-content: center;
  gap: 20px;
}

.btn-modern-primary,
.btn-modern-outline {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 16px 32px;
  border-radius: 14px;
  font-weight: 600;
  font-size: 1rem;
  transition: all 0.3s ease;
}

.btn-modern-primary {
  background: linear-gradient(135deg, var(--color-navy), var(--color-navy-700));
  color: #fff;
  box-shadow: 0 10px 30px rgba(11, 31, 58, 0.2);
}

.btn-modern-primary:hover {
  transform: translateY(-3px);
  box-shadow: 0 15px 40px rgba(11, 31, 58, 0.3);
}

.btn-modern-outline {
  background: transparent;
  color: var(--color-navy);
  border: 2px solid var(--color-navy);
}

.btn-modern-outline:hover {
  background: var(--color-navy);
  color: #fff;
}

/* ========================== */
/* RESPONSIVE - Modern Sections */
/* ========================== */

@media (max-width: 1100px) {
  .features-grid-modern {
    grid-template-columns: repeat(2, 1fr);
  }
  
  .services-cards-modern {
    grid-template-columns: repeat(2, 1fr);
  }
  
  .calculator-layout {
    grid-template-columns: 1fr;
    gap: 40px;
  }
  
  .calculator-grid-modern {
    grid-template-columns: repeat(3, 1fr);
  }
}

@media (max-width: 768px) {
  .section-modern {
    padding: 50px 0;
  }
  
  .section-header-modern {
    margin-bottom: 35px;
  }
  
  .features-grid-modern,
  .services-cards-modern {
    grid-template-columns: 1fr;
    gap: 20px;
  }
  
  .stats-bar-modern {
    flex-direction: column;
    gap: 30px;
    padding: 30px;
  }
  
  .stat-divider {
    width: 80px;
    height: 1px;
  }
  
  .calculator-grid-modern {
    grid-template-columns: repeat(2, 1fr);
    gap: 12px;
  }
  
  .calculator-cta-group {
    flex-direction: column;
  }
  
  .process-timeline {
    padding-left: 0;
  }
  
  .timeline-line {
    left: 20px;
  }
  
  .process-step-modern {
    flex-direction: column;
    gap: 20px;
    padding-left: 60px;
  }
  
  .step-marker {
    position: absolute;
    left: 0;
    width: 40px;
  }
  
  .step-number {
    width: 40px;
    height: 40px;
    font-size: 1rem;
  }
  
  .step-pulse {
    width: 40px;
    height: 40px;
  }
  
  .step-content-modern {
    padding: 25px;
  }
  
  .process-cta {
    flex-direction: column;
    align-items: center;
  }
  
  .btn-modern-primary,
  .btn-modern-outline {
    width: 100%;
    max-width: 300px;
    justify-content: center;
  }
}

@media (max-width: 480px) {
  .calculator-grid-modern {
    grid-template-columns: 1fr;
  }
  
  .calc-card-modern {
    padding: 20px;
  }
  
  .stat-value-modern {
    font-size: 2rem;
  }
}

/* ========================== */
/* MODERN HEADER              */
/* ========================== */

.site-header-modern {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  background: rgba(11, 31, 58, 0.95);
  backdrop-filter: blur(20px);
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
  transition: all 0.3s ease;
}

.site-header-modern.scrolled {
  background: rgba(11, 31, 58, 0.98);
  box-shadow: 0 10px 40px rgba(0, 0, 0, 0.3);
}

.header-inner-modern {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 12px 0;
  gap: 30px;
}

.brand-modern {
  display: flex;
  align-items: center;
  gap: 16px;
  text-decoration: none;
  transition: transform 0.3s ease, filter 0.3s ease;
  position: relative;
}

.brand-modern:hover {
  transform: translateY(-2px);
  filter: drop-shadow(0 8px 18px rgba(200, 160, 77, 0.25));
}

.brand-logo-wrapper {
  width: 92px;
  height: 92px;
  background: linear-gradient(135deg, #fff 0%, var(--color-gold-100) 42%, #fff 100%);
  background-size: 220% 220%;
  border-radius: 20px;
  padding: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 10px 26px rgba(200, 160, 77, 0.35);
  transition: all 0.35s ease;
  animation: brandGradientShift 8s ease-in-out infinite;
  position: relative;
  overflow: hidden;
}

.brand-logo-wrapper::after {
  content: "";
  position: absolute;
  inset: -35%;
  background: radial-gradient(circle, rgba(200, 160, 77, 0.28) 0%, transparent 65%);
  opacity: 0.5;
  animation: brandPulseGlow 3.2s ease-in-out infinite;
  pointer-events: none;
}

.brand-modern:hover .brand-logo-wrapper {
  box-shadow: 0 16px 34px rgba(200, 160, 77, 0.48);
  transform: translateY(-2px) scale(1.07) rotate(-1deg);
}

.brand-logo-wrapper .brand-mark {
  height: 100%;
  width: auto;
  object-fit: contain;
}

.brand-modern .brand-name {
  height: 50px;
  width: auto;
  filter: brightness(0) invert(1);
  opacity: 0.95;
  transition: opacity 0.3s ease, transform 0.3s ease, filter 0.3s ease;
  animation: brandNameFloat 4.8s ease-in-out infinite;
}

.brand-modern:hover .brand-name {
  opacity: 1;
  transform: translateY(-1px) scale(1.03);
  filter: brightness(0) invert(1) drop-shadow(0 0 12px rgba(200, 160, 77, 0.5));
}

@keyframes brandGradientShift {
  0% {
    background-position: 0% 50%;
  }
  50% {
    background-position: 100% 50%;
  }
  100% {
    background-position: 0% 50%;
  }
}

@keyframes brandPulseGlow {
  0%,
  100% {
    transform: scale(0.9);
    opacity: 0.35;
  }
  50% {
    transform: scale(1.08);
    opacity: 0.7;
  }
}

@keyframes brandNameFloat {
  0%,
  100% {
    transform: translateY(0);
  }
  50% {
    transform: translateY(-1px);
  }
}

.nav-modern {
  flex: 1;
  display: flex;
  justify-content: center;
}

.nav-list-modern {
  display: flex;
  align-items: center;
  gap: 8px;
  list-style: none;
  margin: 0;
  padding: 0;
}

.nav-link-modern {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 10px 18px;
  color: rgba(255, 255, 255, 0.8);
  font-weight: 500;
  font-size: 0.95rem;
  border-radius: 10px;
  text-decoration: none;
  transition: all 0.3s ease;
  position: relative;
}

.nav-link-modern:hover,
.nav-link-modern.active {
  color: #fff;
  background: rgba(255, 255, 255, 0.1);
}

.nav-link-modern.active::after {
  content: '';
  position: absolute;
  bottom: 6px;
  left: 50%;
  transform: translateX(-50%);
  width: 20px;
  height: 3px;
  background: var(--color-gold);
  border-radius: 3px;
}

.nav-link-modern i {
  font-size: 0.75rem;
  transition: transform 0.3s ease;
}

.nav-item-modern:hover .nav-link-modern i {
  transform: rotate(180deg);
}

.nav-item-modern {
  position: relative;
}

.submenu-modern {
  position: absolute;
  top: calc(100% + 12px);
  left: 50%;
  transform: translateX(-50%) translateY(10px);
  min-width: 260px;
  background: linear-gradient(135deg, rgba(11, 31, 58, 0.98), rgba(15, 43, 82, 0.98));
  border: 1px solid rgba(255, 255, 255, 0.1);
  border-radius: 16px;
  padding: 8px;
  opacity: 0;
  visibility: hidden;
  transition: all 0.3s ease;
  box-shadow: 0 20px 50px rgba(0, 0, 0, 0.4);
  backdrop-filter: blur(20px);
  z-index: 100;
}

.submenu-modern::before {
  content: '';
  position: absolute;
  top: -8px;
  left: 50%;
  transform: translateX(-50%) rotate(45deg);
  width: 16px;
  height: 16px;
  background: rgba(11, 31, 58, 0.98);
  border-left: 1px solid rgba(255, 255, 255, 0.1);
  border-top: 1px solid rgba(255, 255, 255, 0.1);
}

.nav-item-modern:hover .submenu-modern {
  opacity: 1;
  visibility: visible;
  transform: translateX(-50%) translateY(0);
}

.submenu-header {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 12px 14px;
  margin-bottom: 8px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
  color: var(--color-gold);
  font-weight: 600;
  font-size: 0.85rem;
  text-transform: uppercase;
  letter-spacing: 1px;
}

.submenu-header i {
  font-size: 1.1rem;
}

.submenu-modern a {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 10px 14px;
  color: rgba(255, 255, 255, 0.8);
  font-size: 0.9rem;
  border-radius: 10px;
  text-decoration: none;
  transition: all 0.25s ease;
}

.submenu-modern a i {
  font-size: 1rem;
  color: var(--color-gold);
  opacity: 0.7;
  transition: all 0.25s ease;
}

.submenu-modern a:hover {
  background: rgba(200, 160, 77, 0.15);
  color: #fff;
  transform: translateX(5px);
}

.submenu-modern a:hover i {
  opacity: 1;
}

.header-cta-modern {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 12px 24px;
  background: linear-gradient(135deg, var(--color-gold), #d4a84a);
  color: var(--color-navy);
  font-weight: 700;
  font-size: 0.95rem;
  border-radius: 12px;
  text-decoration: none;
  box-shadow: 0 8px 25px rgba(200, 160, 77, 0.35);
  transition: all 0.3s ease;
}

.header-cta-modern:hover {
  transform: translateY(-2px);
  box-shadow: 0 12px 35px rgba(200, 160, 77, 0.45);
}

.header-cta-modern i {
  transition: transform 0.3s ease;
}

.header-cta-modern:hover i {
  transform: translateX(4px);
}

/* Mobile Nav Toggle */
.nav-toggle-modern {
  display: none;
  flex-direction: column;
  gap: 5px;
  padding: 10px;
  background: rgba(255, 255, 255, 0.1);
  border: 1px solid rgba(255, 255, 255, 0.15);
  border-radius: 10px;
  cursor: pointer;
  transition: all 0.3s ease;
}

.nav-toggle-modern span {
  width: 24px;
  height: 2px;
  background: #fff;
  border-radius: 2px;
  transition: all 0.3s ease;
}

.nav-toggle-modern:hover {
  background: rgba(255, 255, 255, 0.15);
}

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

.site-footer-modern {
  position: relative;
  background: linear-gradient(135deg, #0a1c33 0%, #0b1f3a 50%, #0f2b52 100%);
  color: #fff;
  padding-top: 0;
  overflow: hidden;
}

.footer-wave {
  position: relative;
  top: 0;
  left: 0;
  width: 100%;
  color: #f8fafc;
  margin-bottom: -1px;
}

.footer-wave svg {
  display: block;
  width: 100%;
  height: 80px;
}

.site-footer-modern::before {
  content: '';
  position: absolute;
  top: 100px;
  left: -200px;
  width: 500px;
  height: 500px;
  background: radial-gradient(circle, rgba(200, 160, 77, 0.1) 0%, transparent 70%);
  pointer-events: none;
}

.site-footer-modern::after {
  content: '';
  position: absolute;
  bottom: -100px;
  right: -200px;
  width: 600px;
  height: 600px;
  background: radial-gradient(circle, rgba(200, 160, 77, 0.08) 0%, transparent 70%);
  pointer-events: none;
}

.footer-top-modern {
  display: grid;
  grid-template-columns: 1.5fr repeat(4, 1fr);
  gap: 40px;
  padding: 60px 0 50px;
  position: relative;
  z-index: 1;
}

.footer-brand-modern {
  display: flex;
  flex-direction: column;
  gap: 20px;
}

.footer-brand-link-modern {
  display: inline-flex;
  align-items: center;
  gap: 18px;
  text-decoration: none;
  width: fit-content;
  transition: transform 0.35s ease, filter 0.35s ease;
}

.footer-brand-link-modern:hover {
  transform: translateY(-3px);
  filter: drop-shadow(0 12px 20px rgba(200, 160, 77, 0.24));
}

.footer-logo-box {
  width: 110px;
  height: 110px;
  background: linear-gradient(135deg, #fff 0%, var(--color-gold-100) 42%, #fff 100%);
  background-size: 220% 220%;
  border-radius: 24px;
  padding: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 14px 34px rgba(200, 160, 77, 0.35);
  transition: all 0.35s ease;
  animation: brandGradientShift 8s ease-in-out infinite;
  position: relative;
  overflow: hidden;
}

.footer-logo-box::after {
  content: "";
  position: absolute;
  inset: -38%;
  background: radial-gradient(circle, rgba(200, 160, 77, 0.25) 0%, transparent 68%);
  opacity: 0.48;
  animation: brandPulseGlow 3.3s ease-in-out infinite;
  pointer-events: none;
}

.footer-brand-link-modern:hover .footer-logo-box {
  box-shadow: 0 20px 48px rgba(200, 160, 77, 0.48);
  transform: translateY(-2px) scale(1.06) rotate(-1deg);
}

.footer-logo-box .brand-mark {
  height: 100%;
  width: auto;
  object-fit: contain;
}

.footer-brand-link-modern .brand-name {
  height: 58px;
  width: auto;
  filter: brightness(0) invert(1);
  opacity: 0.95;
  transition: transform 0.3s ease, filter 0.3s ease;
  animation: brandNameFloat 5s ease-in-out infinite;
}

.footer-brand-link-modern:hover .brand-name {
  transform: translateY(-1px) scale(1.03);
  filter: brightness(0) invert(1) drop-shadow(0 0 14px rgba(200, 160, 77, 0.48));
}

.footer-tagline {
  color: rgba(255, 255, 255, 0.7);
  font-size: 1rem;
  line-height: 1.7;
  max-width: 300px;
}

.footer-contact-info {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
}

.contact-item {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 10px 16px;
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.1);
  border-radius: 10px;
  color: rgba(255, 255, 255, 0.9);
  font-size: 0.9rem;
  font-weight: 500;
  text-decoration: none;
  transition: all 0.3s ease;
}

.contact-item i {
  color: var(--color-gold);
}

.contact-item:hover {
  background: rgba(200, 160, 77, 0.15);
  border-color: rgba(200, 160, 77, 0.3);
  transform: translateY(-2px);
}

.footer-social-modern {
  display: flex;
  gap: 12px;
}

.footer-social-modern a {
  width: 42px;
  height: 42px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.1);
  border-radius: 12px;
  color: rgba(255, 255, 255, 0.8);
  font-size: 1.1rem;
  transition: all 0.3s ease;
}

.footer-social-modern a:hover {
  background: var(--color-gold);
  border-color: var(--color-gold);
  color: var(--color-navy);
  transform: translateY(-3px);
  box-shadow: 0 8px 20px rgba(200, 160, 77, 0.35);
}

.footer-links-modern {
  display: flex;
  flex-direction: column;
  gap: 14px;
}

.footer-links-modern h4 {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.9rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 1px;
  color: var(--color-gold);
  margin-bottom: 8px;
}

.footer-links-modern h4 i {
  font-size: 1rem;
}

.footer-links-modern a {
  color: rgba(255, 255, 255, 0.7);
  font-size: 0.95rem;
  text-decoration: none;
  transition: all 0.25s ease;
  display: inline-block;
}

.footer-links-modern a:hover {
  color: #fff;
  transform: translateX(5px);
}

.footer-bottom-modern {
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  padding: 30px 0;
  position: relative;
  z-index: 1;
}

.footer-disclaimer {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  padding: 16px 20px;
  background: rgba(255, 255, 255, 0.05);
  border: 1px solid rgba(255, 255, 255, 0.08);
  border-radius: 12px;
  font-size: 0.85rem;
  color: rgba(255, 255, 255, 0.6);
  line-height: 1.6;
  margin-bottom: 20px;
}

.footer-disclaimer i {
  color: var(--color-gold);
  font-size: 1rem;
  flex-shrink: 0;
  margin-top: 2px;
}

.footer-copyright-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.copyright-modern {
  color: rgba(255, 255, 255, 0.5);
  font-size: 0.9rem;
}

.to-top-modern {
  width: 45px;
  height: 45px;
  display: flex;
  align-items: center;
  justify-content: center;
  background: linear-gradient(135deg, var(--color-gold), #d4a84a);
  color: var(--color-navy);
  border-radius: 12px;
  font-size: 1.2rem;
  text-decoration: none;
  box-shadow: 0 8px 25px rgba(200, 160, 77, 0.35);
  transition: all 0.3s ease;
}

.to-top-modern:hover {
  transform: translateY(-4px);
  box-shadow: 0 12px 35px rgba(200, 160, 77, 0.45);
}

/* Header & Footer Responsive */
@media (max-width: 1100px) {
  .footer-top-modern {
    grid-template-columns: repeat(3, 1fr);
    gap: 30px;
  }
  
  .footer-brand-modern {
    grid-column: span 3;
    flex-direction: row;
    flex-wrap: wrap;
    align-items: center;
    gap: 30px;
  }
  
  .footer-tagline {
    max-width: none;
    flex: 1;
    min-width: 200px;
  }
}

@media (max-width: 900px) {
  .brand-logo-wrapper {
    width: 76px;
    height: 76px;
    border-radius: 16px;
    padding: 7px;
  }

  .brand-modern .brand-name {
    height: 42px;
  }

  .nav-modern {
    position: fixed;
    top: 80px;
    left: 0;
    right: 0;
    background: rgba(11, 31, 58, 0.98);
    padding: 20px;
    transform: translateY(-120%);
    opacity: 0;
    transition: all 0.3s ease;
    border-bottom: 1px solid rgba(255, 255, 255, 0.1);
  }
  
  .nav-modern.is-open {
    transform: translateY(0);
    opacity: 1;
  }
  
  .nav-list-modern {
    flex-direction: column;
    align-items: center;
    gap: 5px;
  }
  
  .nav-link-modern {
    width: 100%;
    justify-content: center;
    padding: 14px 20px;
  }

  .nav-item-modern {
    width: min(92vw, 340px);
    display: flex;
    flex-direction: column;
    align-items: center;
  }
  
  .submenu-modern {
    position: static;
    transform: none;
    width: 100%;
    min-width: 0;
    max-width: 100%;
    opacity: 1;
    visibility: visible;
    display: none;
    margin-top: 5px;
    margin-left: auto;
    margin-right: auto;
    box-shadow: none;
    border: none;
    background: rgba(255, 255, 255, 0.05);
    text-align: center;
  }
  
  .submenu-modern::before {
    display: none;
  }

  .submenu-header {
    justify-content: center;
    text-align: center;
  }

  .submenu-modern a {
    justify-content: center;
    text-align: center;
  }

  /* Mobile: open submenu only via click/tap (.is-open), not hover state. */
  .nav-item-modern:hover .submenu-modern {
    display: none;
    transform: none;
  }

  .nav-item-modern.is-open:hover .submenu-modern {
    display: block;
    transform: none;
  }

  .nav-item-modern.is-open .submenu-modern {
    display: block;
    transform: none;
  }
  
  .nav-toggle-modern {
    display: flex;
  }
  
  .header-cta-modern {
    display: none;
  }
}

@media (max-width: 768px) {
  .footer-logo-box {
    width: 92px;
    height: 92px;
    border-radius: 20px;
  }

  .footer-brand-link-modern .brand-name {
    height: 48px;
  }

  .footer-top-modern {
    grid-template-columns: 1fr 1fr;
    gap: 30px 20px;
  }
  
  .footer-brand-modern {
    grid-column: span 2;
    flex-direction: column;
    align-items: flex-start;
  }
  
  .footer-wave svg {
    height: 50px;
  }
  
  .footer-copyright-row {
    flex-direction: column;
    gap: 15px;
    text-align: center;
  }
}

@media (max-width: 480px) {
  .brand-logo-wrapper {
    width: 66px;
    height: 66px;
    border-radius: 14px;
    padding: 6px;
  }

  .brand-modern .brand-name {
    height: 36px;
  }

  .footer-logo-box {
    width: 78px;
    height: 78px;
    border-radius: 18px;
  }

  .footer-brand-link-modern .brand-name {
    height: 40px;
  }

  .footer-top-modern {
    grid-template-columns: 1fr;
  }
  
  .footer-brand-modern {
    grid-column: span 1;
  }
  
  .footer-contact-info {
    flex-direction: column;
  }
  
  .contact-item {
    width: 100%;
    justify-content: center;
  }
}

/* Category pages: richer hero, context blocks, and FAQ */
.category-hero {
  padding: 56px 0 48px;
}

.category-hero .container {
  max-width: var(--container-width);
}

.category-hero-grid {
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  gap: 28px;
  align-items: center;
}

.category-hero-copy p {
  max-width: 62ch;
}

.category-bullets {
  margin: 18px 0 0;
  display: grid;
  gap: 10px;
}

.category-bullets li {
  display: flex;
  align-items: center;
  gap: 10px;
  color: var(--color-navy);
  font-weight: 500;
}

.category-bullets i {
  color: var(--color-gold);
}

.category-hero-cta {
  margin-top: 20px;
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
}

.category-hero-cta .btn {
  min-width: 190px;
  text-align: center;
}

.poster-placeholder {
  border: 1.5px dashed rgba(200, 160, 77, 0.58);
  border-radius: 24px;
  min-height: 300px;
  padding: 24px;
  background: linear-gradient(135deg, rgba(255, 255, 255, 0.95), rgba(246, 237, 220, 0.65));
  box-shadow: var(--shadow-card);
  display: flex;
  flex-direction: column;
  justify-content: center;
  gap: 10px;
  color: var(--color-navy);
}

.poster-placeholder i {
  font-size: 1.7rem;
  color: var(--color-gold);
}

.poster-placeholder h3 {
  margin: 0;
  font-size: 1.25rem;
}

.poster-placeholder p {
  margin: 0;
  color: var(--color-muted);
}

.hero-poster-card {
  position: relative;
  margin: 0;
  min-height: 300px;
  border-radius: 24px;
  overflow: hidden;
  border: 1px solid rgba(255, 255, 255, 0.12);
  box-shadow: var(--shadow-card);
  background: linear-gradient(140deg, rgba(11, 31, 58, 0.94), rgba(15, 43, 82, 0.94));
}

.hero-poster-card::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg, rgba(5, 13, 26, 0) 40%, rgba(5, 13, 26, 0.3) 100%);
  pointer-events: none;
}

.hero-poster-card img {
  width: 100%;
  height: 100%;
  min-height: 300px;
  object-fit: cover;
  display: block;
  transition: transform 0.35s ease;
}

.hero-poster-card:hover img {
  transform: scale(1.02);
}

.context-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 16px;
  margin-top: 20px;
}

.context-card {
  background: #fff;
  border: 1px solid var(--color-border);
  border-radius: 16px;
  box-shadow: var(--shadow-card);
  padding: 20px;
}

.context-card i {
  font-size: 1.25rem;
  color: var(--color-gold);
}

.context-card h3 {
  margin-top: 8px;
  margin-bottom: 8px;
  color: var(--color-navy);
}

.context-card p {
  margin: 0;
  color: var(--color-muted);
}

.faq-list {
  display: grid;
  gap: 12px;
  margin-top: 20px;
}

.faq-item {
  border: 1px solid var(--color-border);
  border-radius: 14px;
  background: #fff;
  box-shadow: 0 6px 16px rgba(11, 31, 58, 0.06);
  overflow: hidden;
}

.faq-item summary {
  list-style: none;
  cursor: pointer;
  padding: 16px 18px;
  color: var(--color-navy);
  font-weight: 600;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 10px;
}

.faq-item summary::-webkit-details-marker {
  display: none;
}

.faq-item summary::after {
  content: "+";
  color: var(--color-gold);
  font-size: 1.2rem;
  line-height: 1;
}

.faq-item[open] summary::after {
  content: "-";
}

.faq-item p {
  margin: 0;
  padding: 0 18px 16px;
  color: var(--color-muted);
}

@media (max-width: 980px) {
  .category-hero-grid {
    grid-template-columns: 1fr;
  }

  .poster-placeholder {
    min-height: 220px;
  }

  .hero-poster-card,
  .hero-poster-card img {
    min-height: 220px;
  }

  .context-grid {
    grid-template-columns: 1fr;
  }
}

/* Global spacing and header balance overrides */
main#main {
  padding-top: 126px;
}

/* Pull first hero section up to remove the fixed-header spacer gap */
main#main > .hero-clean:first-child,
main#main > .page-hero:first-child,
main#main > .category-hero:first-child,
main#main > .apply-hero:first-child {
  margin-top: -126px;
}

/* Plain content pages (about/contact/policies) need extra top breathing room under fixed header */
main#main > .page-hero:first-child:not(.category-hero):not(.apply-hero) {
  padding-top: 168px;
}

.header-inner-modern {
  min-height: 108px;
  padding: 8px 0;
  gap: 22px;
}

.nav-list-modern {
  gap: 6px;
}

.nav-link-modern {
  padding: 9px 14px;
}

.section {
  padding: 64px 0;
}

.section-modern {
  padding: 58px 0;
}

.page-hero {
  padding: 72px 0 46px;
}

.category-hero {
  padding: 46px 0 36px;
}

.hero-clean {
  padding: 88px 0 68px;
}

.footer-top-modern {
  padding: 52px 0 42px;
}

@media (max-width: 900px) {
  main#main {
    padding-top: 108px;
  }

  main#main > .hero-clean:first-child,
  main#main > .page-hero:first-child,
  main#main > .category-hero:first-child,
  main#main > .apply-hero:first-child {
    margin-top: -108px;
  }

  main#main > .page-hero:first-child:not(.category-hero):not(.apply-hero) {
    padding-top: 148px;
  }

  .header-inner-modern {
    min-height: 92px;
    gap: 14px;
  }

  .section {
    padding: 54px 0;
  }

  .section-modern {
    padding: 50px 0;
  }

  .page-hero {
    padding: 62px 0 38px;
  }
}

@media (max-width: 480px) {
  main#main {
    padding-top: 98px;
  }

  main#main > .hero-clean:first-child,
  main#main > .page-hero:first-child,
  main#main > .category-hero:first-child,
  main#main > .apply-hero:first-child {
    margin-top: -98px;
  }

  main#main > .page-hero:first-child:not(.category-hero):not(.apply-hero) {
    padding-top: 132px;
  }

  .header-inner-modern {
    min-height: 84px;
  }

  .section {
    padding: 46px 0;
  }

  .section-modern {
    padding: 42px 0;
  }

  .page-hero {
    padding: 54px 0 34px;
  }

  .category-hero {
    padding: 38px 0 30px;
  }
}

/* Cross-viewport consistency layer */
.section-subtitle,
.page-hero p,
.category-hero-copy p {
  max-width: 62ch;
}

.cards,
.services-grid,
.steps,
.context-grid,
.contact-grid,
.form-grid {
  align-items: stretch;
}

.card,
.service-card,
.form-card,
.contact-card {
  height: 100%;
}

.page-illustration,
.hero-illustration,
.showcase-icon {
  max-width: 100%;
  height: auto;
}

@media (max-width: 1100px) {
  .cards,
  .services-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .split {
    grid-template-columns: 1fr 1fr;
  }
}

@media (max-width: 900px) {
  .nav-modern {
    top: 92px;
  }

  .hero-live-activity {
    top: 96px;
    right: 16px;
    max-width: calc(100% - 32px);
    padding: 8px 14px;
    font-size: 0.82rem;
  }

  .cards,
  .services-grid,
  .steps,
  .split,
  .context-grid,
  .contact-grid,
  .form-grid {
    grid-template-columns: 1fr;
  }

  .hero-clean-grid {
    grid-template-columns: 1fr;
  }

  .hero-clean-visual {
    order: 2;
  }

  .hero-clean-content {
    order: 1;
  }
}

@media (max-width: 600px) {
  .container {
    width: min(100% - 24px, var(--container-width));
  }

  .section-title,
  .section-title-modern {
    line-height: 1.2;
  }

  .hero-clean-btns,
  .category-hero-cta {
    width: 100%;
  }

  .hero-clean-btns a,
  .category-hero-cta .btn {
    width: 100%;
    justify-content: center;
  }
}

@media (min-width: 1200px) {
  main#main > .hero-clean:first-child {
    padding-top: 74px;
    padding-bottom: 58px;
  }

  main#main > .hero-clean:first-child .hero-clean-grid {
    gap: 30px;
  }

  main#main > .hero-clean:first-child .hero-tag {
    padding: 8px 16px;
    margin-bottom: 18px;
    font-size: 0.8rem;
  }

  main#main > .hero-clean:first-child .hero-clean-title {
    font-size: clamp(2.15rem, 4.3vw, 3.2rem);
    margin-bottom: 16px;
  }

  main#main > .hero-clean:first-child .hero-clean-desc {
    font-size: 1rem;
    max-width: 500px;
    margin-bottom: 22px;
  }

  main#main > .hero-clean:first-child .hero-loan-selector {
    margin-bottom: 20px;
  }

  main#main > .hero-clean:first-child .selector-label {
    font-size: 0.85rem;
    margin-bottom: 10px;
  }

  main#main > .hero-clean:first-child .amount-pills {
    gap: 8px;
  }

  main#main > .hero-clean:first-child .amount-pill {
    padding: 8px 16px;
    font-size: 0.84rem;
  }

  main#main > .hero-clean:first-child .hero-clean-btns {
    gap: 12px;
    margin-bottom: 24px;
  }

  main#main > .hero-clean:first-child .btn-hero-primary,
  main#main > .hero-clean:first-child .btn-hero-secondary {
    padding: 14px 24px;
    font-size: 0.92rem;
  }

  main#main > .hero-clean:first-child .hero-trust-badges {
    gap: 16px;
  }

  main#main > .hero-clean:first-child .trust-badge {
    font-size: 0.8rem;
  }

  main#main > .hero-clean:first-child .hero-clean-visual {
    height: 450px;
  }

  main#main > .hero-clean:first-child .hero-stats-showcase {
    transform: scale(0.94);
    transform-origin: center center;
  }

  main#main > .hero-clean:first-child .hero-bottom-tags .service-tag {
    padding: 10px 18px;
    font-size: 0.84rem;
  }
}

@media (min-width: 1800px) and (min-height: 1000px) {
  .container {
    width: min(100% - 72px, 1360px);
  }

  main#main > .page-hero:first-child:not(.category-hero):not(.apply-hero) {
    padding-top: 186px;
    padding-bottom: 62px;
  }

  main#main > .page-hero:first-child:not(.category-hero):not(.apply-hero) h1 {
    font-size: clamp(3rem, 3.2vw, 4rem);
  }

  main#main > .page-hero:first-child:not(.category-hero):not(.apply-hero) p {
    max-width: 800px;
    font-size: 1.22rem;
    line-height: 1.75;
  }

  main#main > .page-hero:first-child:not(.category-hero):not(.apply-hero) + .section .section-title {
    font-size: clamp(2.5rem, 2.6vw, 3.2rem);
  }

  main#main > .page-hero:first-child:not(.category-hero):not(.apply-hero) + .section .section-subtitle,
  main#main > .page-hero:first-child:not(.category-hero):not(.apply-hero) + .section .feature-list li,
  main#main > .page-hero:first-child:not(.category-hero):not(.apply-hero) + .section .card p {
    font-size: 1.12rem;
    line-height: 1.7;
  }

  main#main > .page-hero:first-child:not(.category-hero):not(.apply-hero) + .section .split {
    gap: 38px;
  }

  main#main > .page-hero:first-child:not(.category-hero):not(.apply-hero) + .section .card {
    padding: 26px;
  }
}

/* Loan + Insurance + Apply hero redesign */
.category-hero,
.apply-hero {
  position: relative;
  overflow: hidden;
  isolation: isolate;
  /* Keep hero clear of fixed header while trimming total height */
  padding: max(clamp(62px, 8vw, 94px), 118px) 0 clamp(28px, 4.4vw, 42px);
  background:
    radial-gradient(760px circle at 8% 10%, rgba(200, 160, 77, 0.22), transparent 48%),
    radial-gradient(920px circle at 92% 14%, rgba(115, 165, 230, 0.2), transparent 56%),
    linear-gradient(135deg, #081a32 0%, #0a2850 48%, #06162e 100%);
}

.category-hero::before,
.apply-hero::before {
  content: "";
  position: absolute;
  inset: auto auto -44% -14%;
  width: 58%;
  height: 165%;
  background: radial-gradient(circle, rgba(200, 160, 77, 0.24) 0%, rgba(200, 160, 77, 0) 66%);
  animation: heroGlowDrift 10s ease-in-out infinite;
  pointer-events: none;
}

.category-hero::after,
.apply-hero::after {
  content: "";
  position: absolute;
  top: -42%;
  right: -16%;
  width: 56%;
  height: 170%;
  background: radial-gradient(circle, rgba(255, 255, 255, 0.12) 0%, rgba(255, 255, 255, 0) 68%);
  animation: heroGlowDrift 13s ease-in-out infinite reverse;
  pointer-events: none;
}

.category-hero-grid,
.apply-hero-grid {
  position: relative;
  z-index: 2;
  display: grid;
  grid-template-columns: minmax(0, 0.92fr) minmax(0, 1.08fr);
  gap: clamp(24px, 4vw, 46px);
  align-items: center;
}

.category-hero-copy p,
.apply-hero-copy p {
  color: rgba(246, 249, 255, 0.88);
  max-width: 58ch;
}

.category-hero-copy > *,
.apply-hero-copy > * {
  opacity: 0;
  transform: translateY(14px);
  animation: heroRevealUp 0.7s ease forwards;
}

.category-hero-copy > *:nth-child(1),
.apply-hero-copy > *:nth-child(1) {
  animation-delay: 0.06s;
}

.category-hero-copy > *:nth-child(2),
.apply-hero-copy > *:nth-child(2) {
  animation-delay: 0.16s;
}

.category-hero-copy > *:nth-child(3),
.apply-hero-copy > *:nth-child(3) {
  animation-delay: 0.26s;
}

.category-hero-copy > *:nth-child(4),
.apply-hero-copy > *:nth-child(4) {
  animation-delay: 0.36s;
}

.category-bullets,
.apply-hero-points {
  margin: 22px 0 0;
  display: grid;
  gap: 10px;
}

.category-bullets li,
.apply-hero-points li {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 10px 14px;
  border-radius: 12px;
  border: 1px solid rgba(255, 255, 255, 0.18);
  background: rgba(255, 255, 255, 0.06);
  color: rgba(255, 255, 255, 0.92);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
}

.category-bullets i,
.apply-hero-points i {
  color: var(--color-gold);
}

.category-hero-cta {
  margin-top: 24px;
}

.category-hero-cta .btn {
  min-width: 210px;
}

.category-hero-cta .btn.btn-outline {
  border-color: rgba(255, 255, 255, 0.38);
  color: #fff;
  background: rgba(255, 255, 255, 0.04);
}

.category-hero-cta .btn.btn-outline:hover {
  background: rgba(255, 255, 255, 0.14);
}

.hero-poster-card {
  position: relative;
  min-height: clamp(340px, 42vw, 560px);
  border-radius: 28px;
  overflow: hidden;
  border: 1px solid rgba(255, 255, 255, 0.18);
  box-shadow: 0 28px 72px rgba(3, 10, 22, 0.45);
  background: #0b1f3a;
  animation: heroPosterLift 8s ease-in-out infinite;
}

.hero-poster-card::before {
  content: "";
  position: absolute;
  inset: -120% 34% 34% -45%;
  background: linear-gradient(120deg, rgba(255, 255, 255, 0) 0%, rgba(255, 255, 255, 0.24) 52%, rgba(255, 255, 255, 0) 100%);
  transform: rotate(7deg);
  animation: heroShineSweep 7s ease-in-out infinite;
  pointer-events: none;
  z-index: 2;
}

.hero-poster-card::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg, rgba(5, 13, 26, 0) 35%, rgba(5, 13, 26, 0.38) 100%);
  pointer-events: none;
  z-index: 1;
}

.hero-poster-card img {
  width: 100%;
  height: 100%;
  min-height: clamp(340px, 42vw, 560px);
  object-fit: cover;
  display: block;
  transform: scale(1.03);
  transition: transform 0.55s ease, filter 0.55s ease;
  filter: saturate(1.05) contrast(1.02);
}

.hero-poster-card:hover img {
  transform: scale(1.08);
  filter: saturate(1.15) contrast(1.06);
}

.hero-poster-card-large,
.hero-poster-card-large img {
  min-height: clamp(340px, 44vw, 600px);
}

.apply-hero .page-illustration {
  width: 100%;
  margin: 0;
  filter: none;
}

@keyframes heroGlowDrift {
  0%,
  100% {
    transform: translate3d(0, 0, 0) scale(1);
    opacity: 0.9;
  }
  50% {
    transform: translate3d(0, -18px, 0) scale(1.08);
    opacity: 1;
  }
}

@keyframes heroPosterLift {
  0%,
  100% {
    transform: translateY(0);
  }
  50% {
    transform: translateY(-8px);
  }
}

@keyframes heroShineSweep {
  0%,
  100% {
    transform: translateX(-46%) rotate(7deg);
    opacity: 0;
  }
  34%,
  62% {
    opacity: 0.8;
  }
  50% {
    transform: translateX(112%) rotate(7deg);
    opacity: 0.5;
  }
}

@keyframes heroRevealUp {
  from {
    opacity: 0;
    transform: translateY(14px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

@media (max-width: 1100px) {
  .category-hero-grid,
  .apply-hero-grid {
    grid-template-columns: 1fr;
  }

  .hero-poster-card,
  .hero-poster-card-large {
    width: min(100%, 760px);
    margin-inline: auto;
  }
}

@media (max-width: 900px) {
  .category-hero,
  .apply-hero {
    padding: 96px 0 30px;
  }

  .hero-poster-card,
  .hero-poster-card img,
  .hero-poster-card-large,
  .hero-poster-card-large img {
    min-height: 260px;
  }
}

@media (max-width: 600px) {
  .category-hero,
  .apply-hero {
    padding: 88px 0 28px;
  }

  .category-bullets li,
  .apply-hero-points li {
    padding: 9px 12px;
    font-size: 0.95rem;
  }
}