/* ============================================================
   UPLOANMITRA Financial Advisors
   Homepage-specific Styles
   ============================================================ */

/* ── Announcement Bar ── */
.announcement-bar {
  background: linear-gradient(135deg, var(--color-primary-dark) 0%, var(--color-primary) 60%, var(--color-primary-light) 100%);
  color: var(--color-white);
  height: 42px;
  overflow: hidden;
  position: relative;
  z-index: calc(var(--z-header) - 1);
  display: flex;
  align-items: center;
  width: 100%;
  max-width: 100%;
}

.announcement-bar::before,
.announcement-bar::after {
  content: '';
  position: absolute;
  top: 0;
  bottom: 0;
  width: 80px;
  z-index: 2;
  pointer-events: none;
}

.announcement-bar::before {
  left: 0;
  background: linear-gradient(to right, var(--color-primary-dark), transparent);
}

.announcement-bar::after {
  right: 0;
  background: linear-gradient(to left, var(--color-primary-dark), transparent);
}

.announcement-track {
  display: flex;
  gap: 0;
  animation: marquee 28s linear infinite;
  white-space: nowrap;
  will-change: transform;
}

.announcement-track:hover {
  animation-play-state: paused;
}

.announcement-item {
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
  font-size: var(--text-xs);
  font-weight: var(--weight-semibold);
  letter-spacing: var(--tracking-wide);
  padding: 0 var(--space-10);
  color: rgba(255,255,255,0.95);
}

.announcement-item .dot {
  width: 6px;
  height: 6px;
  background: var(--color-gold);
  border-radius: 50%;
  flex-shrink: 0;
}

.announcement-check {
  color: var(--color-gold);
  font-weight: var(--weight-bold);
  font-size: var(--text-sm);
}

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

/* ── HEADER ── */
.site-header {
  position: sticky;
  top: 0;
  left: 0;
  right: 0;
  z-index: var(--z-header);
  transition:
    background var(--duration-slow) var(--ease-out),
    box-shadow var(--duration-slow) var(--ease-out),
    backdrop-filter var(--duration-slow) var(--ease-out);
  height: 80px;
  display: flex;
  align-items: center;
}

.site-header.transparent {
  background: transparent;
}

.site-header.scrolled {
  background: rgba(255, 255, 255, 0.92);
  backdrop-filter: saturate(180%) blur(24px);
  -webkit-backdrop-filter: saturate(180%) blur(24px);
  box-shadow: 0 1px 0 var(--color-border), 0 4px 20px rgba(0, 0, 0, 0.06);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 100%;
  gap: var(--space-4);
}

/* Logo */
.site-logo {
  display: flex;
  align-items: center;
  text-decoration: none;
  flex-shrink: 0;
}

.site-logo img {
  height: 52px;
  width: auto;
  object-fit: contain;
  transition: transform var(--duration-normal) var(--ease-spring);
}

.site-logo:hover img {
  transform: scale(1.03);
}

/* Desktop Nav */
.desktop-nav {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: var(--space-1);
}

.nav-item {
  position: relative;
}

.nav-link {
  display: flex;
  align-items: center;
  gap: 4px;
  padding: var(--space-2) var(--space-4);
  font-family: var(--font-heading);
  font-size: var(--text-sm);
  font-weight: var(--weight-medium);
  color: var(--color-text-secondary);
  border-radius: var(--radius-md);
  text-decoration: none;
  letter-spacing: 0.01em;
  transition: all var(--duration-normal) var(--ease-out);
  position: relative;
}

.nav-link::after {
  content: '';
  position: absolute;
  bottom: -2px;
  left: var(--space-4);
  right: var(--space-4);
  height: 2px;
  background: linear-gradient(90deg, var(--color-primary), var(--color-gold));
  border-radius: var(--radius-full);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform var(--duration-normal) var(--ease-out);
}

.nav-link:hover,
.nav-link.active {
  color: var(--color-primary);
  background: var(--color-primary-muted);
}

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

/* Header Right */
.header-right {
  display: flex;
  align-items: center;
  justify-content: flex-end;
  gap: var(--space-3);
  flex-shrink: 0;
}

.header-right .btn,
#header-apply-btn,
.header-apply-btn {
  flex-shrink: 0;
  white-space: nowrap;
  padding: 0.625rem 1.25rem;
  display: inline-flex;
  align-items: center;
  justify-content: center;
}

.header-phone {
  display: flex;
  align-items: center;
  gap: var(--space-2);
  font-size: var(--text-xs);
  font-weight: var(--weight-semibold);
  color: var(--color-text-secondary);
  padding: var(--space-2) var(--space-3);
  border-radius: var(--radius-lg);
  transition: all var(--duration-normal) var(--ease-out);
  text-decoration: none;
  border: 1px solid var(--color-border);
  white-space: nowrap;
}

.header-phone:hover {
  border-color: var(--color-primary);
  color: var(--color-primary);
  background: var(--color-primary-muted);
}

.header-phone svg { flex-shrink: 0; }

/* Hamburger */
.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  width: 40px;
  height: 40px;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  border-radius: var(--radius-lg);
  border: 1.5px solid var(--color-border);
  background: none;
  transition: all var(--duration-normal) var(--ease-out);
}

.hamburger:hover {
  border-color: var(--color-primary);
  background: var(--color-primary-muted);
}

.hamburger span {
  display: block;
  width: 20px;
  height: 1.5px;
  background: var(--color-text);
  border-radius: var(--radius-full);
  transition: all var(--duration-normal) var(--ease-out);
  transform-origin: center;
}

.hamburger.open span:nth-child(1) { transform: translateY(6.5px) rotate(45deg); }
.hamburger.open span:nth-child(2) { opacity: 0; transform: scaleX(0); }
.hamburger.open span:nth-child(3) { transform: translateY(-6.5px) rotate(-45deg); }

/* Mobile Drawer */
.mobile-overlay {
  position: fixed;
  inset: 0;
  background: rgba(15, 61, 115, 0.4);
  backdrop-filter: blur(4px);
  -webkit-backdrop-filter: blur(4px);
  z-index: calc(var(--z-header) - 1);
  opacity: 0;
  pointer-events: none;
  transition: opacity var(--duration-slow) var(--ease-out);
}

.mobile-overlay.open {
  opacity: 1;
  pointer-events: auto;
}

.mobile-drawer {
  position: fixed;
  top: 0;
  right: 0;
  bottom: 0;
  width: min(360px, 90vw);
  background: var(--color-white);
  z-index: var(--z-header);
  transform: translateX(100%);
  transition: transform var(--duration-slow) var(--ease-out);
  display: flex;
  flex-direction: column;
  box-shadow: var(--shadow-2xl);
}

.mobile-drawer.open {
  transform: translateX(0);
}

.drawer-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: var(--space-6) var(--space-6);
  border-bottom: 1px solid var(--color-border);
}

.drawer-close {
  width: 40px;
  height: 40px;
  display: flex;
  align-items: center;
  justify-content: center;
  border-radius: var(--radius-lg);
  border: 1.5px solid var(--color-border);
  cursor: pointer;
  background: none;
  transition: all var(--duration-fast) var(--ease-out);
}

.drawer-close:hover {
  background: var(--color-error-bg);
  border-color: var(--color-error);
  color: var(--color-error);
}

.drawer-body {
  flex: 1;
  overflow-y: auto;
  padding: var(--space-6);
}

.drawer-nav {
  display: flex;
  flex-direction: column;
  gap: var(--space-2);
  margin-bottom: var(--space-8);
}

.drawer-nav-link {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: var(--space-4) var(--space-5);
  border-radius: var(--radius-xl);
  font-family: var(--font-heading);
  font-size: var(--text-base);
  font-weight: var(--weight-medium);
  color: var(--color-text);
  text-decoration: none;
  transition: all var(--duration-normal) var(--ease-out);
  border: 1px solid transparent;
}

.drawer-nav-link:hover,
.drawer-nav-link.active {
  background: var(--color-primary-muted);
  color: var(--color-primary);
  border-color: rgba(15, 61, 115, 0.1);
}

.drawer-footer {
  padding: var(--space-6);
  border-top: 1px solid var(--color-border);
}

.drawer-footer .btn {
  width: 100%;
  margin-bottom: var(--space-3);
}

/* ── HERO SECTION ── */
.hero-section {
  min-height: auto;
  display: flex;
  align-items: center;
  position: relative;
  overflow: hidden;
  background: var(--color-white);
  padding: 3.5rem 0 2rem 0;
}

/* Animated BG effects */
.hero-bg {
  position: absolute;
  inset: 0;
  pointer-events: none;
  overflow: hidden;
  z-index: 0;
}

.hero-blob {
  position: absolute;
  border-radius: 50%;
  filter: blur(80px);
  opacity: 0.08;
}

.hero-blob-1 {
  width: 600px;
  height: 600px;
  background: var(--color-primary);
  top: -20%;
  left: -10%;
  animation: float 10s ease-in-out infinite;
}

.hero-blob-2 {
  width: 400px;
  height: 400px;
  background: var(--color-gold);
  bottom: -10%;
  right: -5%;
  animation: float 14s ease-in-out infinite reverse;
}

.hero-blob-3 {
  width: 300px;
  height: 300px;
  background: var(--color-primary-light);
  top: 40%;
  right: 20%;
  animation: float 12s ease-in-out infinite 2s;
}

.hero-grid {
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(15, 61, 115, 0.04) 1px, transparent 1px),
    linear-gradient(90deg, rgba(15, 61, 115, 0.04) 1px, transparent 1px);
  background-size: 60px 60px;
  mask-image: radial-gradient(ellipse at 50% 50%, black 40%, transparent 80%);
  -webkit-mask-image: radial-gradient(ellipse at 50% 50%, black 40%, transparent 80%);
}

.hero-inner {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: 1fr 1fr;
  align-items: center;
  gap: clamp(var(--space-12), 6vw, var(--space-24));
}

/* Hero Left */
.hero-left {
  max-width: 600px;
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
  background: linear-gradient(135deg, rgba(15,61,115,0.08), rgba(212,164,55,0.08));
  border: 1px solid rgba(15, 61, 115, 0.15);
  border-radius: var(--radius-full);
  padding: var(--space-2) var(--space-5);
  margin-bottom: var(--space-6);
}

.hero-badge-dot {
  width: 8px;
  height: 8px;
  background: var(--color-success);
  border-radius: 50%;
  animation: pulse-glow 2s ease-in-out infinite;
  box-shadow: 0 0 0 3px rgba(16, 185, 129, 0.2);
}

.hero-badge-text {
  font-size: var(--text-xs);
  font-weight: var(--weight-semibold);
  letter-spacing: var(--tracking-widest);
  text-transform: uppercase;
  color: var(--color-primary);
}

.hero-title {
  font-family: var(--font-heading);
  font-size: clamp(2.4rem, 5vw, 4rem);
  font-weight: var(--weight-extrabold);
  line-height: 1.12;
  letter-spacing: -0.03em;
  color: var(--color-text);
  margin-bottom: var(--space-6);
}

.hero-title .line-break { display: block; }

.hero-title .word-highlight {
  position: relative;
  color: var(--color-primary);
  display: inline-block;
}

.hero-title .word-gold {
  color: var(--color-gold);
  display: inline-block;
}

.hero-desc {
  font-size: clamp(var(--text-base), 1.5vw, var(--text-lg));
  color: var(--color-text-secondary);
  line-height: 1.8;
  margin-bottom: var(--space-10);
  max-width: 520px;
}

.hero-cta {
  display: flex;
  align-items: center;
  flex-wrap: wrap;
  gap: var(--space-4);
  margin-bottom: var(--space-8);
}

.hero-trust {
  display: flex;
  align-items: center;
  flex-wrap: wrap;
  gap: var(--space-6);
  margin-bottom: var(--space-10);
  padding: var(--space-4) 0;
  border-top: 1px solid var(--color-border);
  border-bottom: 1px solid var(--color-border);
}

.trust-item {
  display: flex;
  align-items: center;
  gap: var(--space-2);
  font-size: var(--text-xs);
  font-weight: var(--weight-semibold);
  color: var(--color-text-secondary);
  letter-spacing: 0.01em;
}

.trust-item svg {
  color: var(--color-success);
  flex-shrink: 0;
}

/* Hero Stats */
.hero-stats {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: var(--space-1);
  background: var(--color-white);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-2xl);
  padding: var(--space-5) var(--space-4);
  box-shadow: var(--shadow-md);
}

.hero-stat {
  text-align: center;
  padding: var(--space-3) var(--space-2);
  position: relative;
}

.hero-stat:not(:last-child)::after {
  content: '';
  position: absolute;
  right: 0;
  top: 20%;
  bottom: 20%;
  width: 1px;
  background: var(--color-border);
}

.hero-stat-number {
  font-family: var(--font-heading);
  font-size: clamp(1.25rem, 2.5vw, 1.75rem);
  font-weight: var(--weight-extrabold);
  color: var(--color-primary);
  letter-spacing: -0.03em;
  line-height: 1;
  margin-bottom: var(--space-1);
}

.hero-stat-number .suffix {
  color: var(--color-gold);
}

.hero-stat-label {
  font-size: 0.65rem;
  font-weight: var(--weight-semibold);
  letter-spacing: 0.04em;
  text-transform: uppercase;
  color: var(--color-text-muted);
  line-height: 1.3;
}

/* Hero Right - 3D Illustration */
.hero-right {
  position: relative;
  display: flex;
  align-items: center;
  justify-content: center;
  height: 580px;
}

.hero-illustration {
  position: relative;
  width: 100%;
  max-width: 540px;
  margin: 0 auto;
}

/* Central Dashboard Card */
.dashboard-card {
  position: relative;
  background: var(--color-white);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-2xl);
  padding: var(--space-6);
  box-shadow: var(--shadow-2xl);
  z-index: 2;
  animation: float 8s ease-in-out infinite;
  max-width: 360px;
  margin: 0 auto;
}

.dash-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: var(--space-5);
}

.dash-logo-area {
  display: flex;
  align-items: center;
  gap: var(--space-3);
}

.dash-avatar {
  width: 42px;
  height: 42px;
  border-radius: var(--radius-xl);
  background: linear-gradient(135deg, var(--color-primary), var(--color-primary-light));
  display: flex;
  align-items: center;
  justify-content: center;
  color: white;
  font-weight: var(--weight-bold);
  font-size: var(--text-sm);
}

.dash-user-info .name {
  font-weight: var(--weight-semibold);
  font-size: var(--text-sm);
  color: var(--color-text);
}

.dash-user-info .role {
  font-size: var(--text-xs);
  color: var(--color-text-muted);
}

.dash-status {
  display: flex;
  align-items: center;
  gap: var(--space-1);
  font-size: var(--text-xs);
  font-weight: var(--weight-semibold);
  color: var(--color-success);
  background: var(--color-success-bg);
  padding: var(--space-1) var(--space-3);
  border-radius: var(--radius-full);
}

.dash-status-dot {
  width: 6px;
  height: 6px;
  background: var(--color-success);
  border-radius: 50%;
  animation: pulse-glow 2s ease-in-out infinite;
}

/* Graph */
.dash-graph {
  background: linear-gradient(135deg, rgba(15,61,115,0.03) 0%, rgba(212,164,55,0.03) 100%);
  border: 1px solid var(--color-border-light);
  border-radius: var(--radius-xl);
  padding: var(--space-4);
  margin-bottom: var(--space-5);
}

.graph-label {
  font-size: var(--text-xs);
  font-weight: var(--weight-semibold);
  color: var(--color-text-muted);
  letter-spacing: var(--tracking-wide);
  text-transform: uppercase;
  margin-bottom: var(--space-2);
}

.graph-amount {
  font-family: var(--font-heading);
  font-size: var(--text-2xl);
  font-weight: var(--weight-extrabold);
  color: var(--color-primary);
  letter-spacing: -0.03em;
  margin-bottom: var(--space-1);
}

.graph-change {
  font-size: var(--text-xs);
  color: var(--color-success);
  font-weight: var(--weight-semibold);
  display: flex;
  align-items: center;
  gap: 3px;
  margin-bottom: var(--space-3);
}

/* SVG Bars */
.graph-bars {
  display: flex;
  align-items: flex-end;
  gap: 6px;
  height: 70px;
}

.bar {
  flex: 1;
  border-radius: 4px 4px 0 0;
  background: var(--color-border);
  position: relative;
  overflow: hidden;
  transition: height var(--duration-slow) var(--ease-out);
}

.bar.active {
  background: linear-gradient(180deg, var(--color-gold-light), var(--color-gold));
  box-shadow: 0 -4px 12px rgba(212, 164, 55, 0.3);
}

.bar-fill {
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  border-radius: 4px 4px 0 0;
  background: linear-gradient(180deg, var(--color-primary-light), var(--color-primary));
  animation: bar-grow 1.5s var(--ease-out) forwards;
}

@keyframes bar-grow {
  from { height: 0; }
  to   { height: 100%; }
}

/* Loan Cards row */
.dash-loan-cards {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-3);
}

.mini-loan-card {
  padding: var(--space-3) var(--space-4);
  background: var(--color-bg);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-xl);
  transition: all var(--duration-normal) var(--ease-out);
}

.mini-loan-card:hover {
  border-color: var(--color-primary);
  background: var(--color-primary-muted);
}

.mini-loan-label {
  font-size: 0.65rem;
  font-weight: var(--weight-semibold);
  letter-spacing: var(--tracking-wider);
  text-transform: uppercase;
  color: var(--color-text-muted);
  margin-bottom: 3px;
}

.mini-loan-value {
  font-family: var(--font-heading);
  font-size: var(--text-base);
  font-weight: var(--weight-bold);
  color: var(--color-text);
}

.mini-loan-badge {
  margin-top: var(--space-1);
}

/* Floating Cards */
.float-card {
  position: absolute;
  background: var(--color-white);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-xl);
  padding: var(--space-4) var(--space-5);
  z-index: 3;
  will-change: transform;
}

.float-card--approved {
  top: 0;
  right: -40px;
  animation: float 9s ease-in-out infinite 1s;
}

.float-card--emi {
  bottom: 40px;
  left: -50px;
  animation: float 11s ease-in-out infinite 0.5s;
}

.float-card--partners {
  top: 45%;
  right: -60px;
  animation: float 13s ease-in-out infinite 2s;
}

.float-card__icon {
  width: 36px;
  height: 36px;
  border-radius: var(--radius-lg);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: var(--space-2);
}

.float-card__label {
  font-size: 0.65rem;
  font-weight: var(--weight-semibold);
  letter-spacing: var(--tracking-wider);
  text-transform: uppercase;
  color: var(--color-text-muted);
  white-space: nowrap;
}

.float-card__value {
  font-family: var(--font-heading);
  font-size: var(--text-sm);
  font-weight: var(--weight-bold);
  color: var(--color-text);
  white-space: nowrap;
}

.float-card__sub {
  font-size: 0.65rem;
  color: var(--color-text-muted);
}

/* Security Shield */
.hero-shield {
  position: absolute;
  bottom: 0;
  right: 10px;
  width: 56px;
  height: 56px;
  background: linear-gradient(135deg, var(--color-primary), var(--color-primary-dark));
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 8px 24px rgba(15, 61, 115, 0.35);
  color: white;
  animation: pulse-glow 3s ease-in-out infinite;
  z-index: 4;
}

/* ── TRUST LOGOS MARQUEE ── */
.trust-section {
  padding: var(--space-16) 0;
  border-top: 1px solid var(--color-border);
  border-bottom: 1px solid var(--color-border);
  background: var(--color-bg);
  overflow: hidden;
}

.trust-label-row {
  text-align: center;
  margin-bottom: var(--space-8);
}

.trust-section-label {
  font-size: var(--text-xs);
  font-weight: var(--weight-semibold);
  letter-spacing: var(--tracking-widest);
  text-transform: uppercase;
  color: var(--color-text-muted);
  display: flex;
  align-items: center;
  justify-content: center;
  gap: var(--space-4);
}

.trust-section-label::before,
.trust-section-label::after {
  content: '';
  height: 1px;
  width: 60px;
  background: var(--color-border);
}

.logos-marquee {
  display: flex;
  gap: 0;
  align-items: center;
}

.logos-track {
  display: flex;
  gap: var(--space-10);
  align-items: center;
  animation: marquee-logos 30s linear infinite;
  white-space: nowrap;
  flex-shrink: 0;
}

.logos-track:hover {
  animation-play-state: paused;
}

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

.bank-logo-item {
  display: flex;
  align-items: center;
  justify-content: center;
  padding: var(--space-4) var(--space-8);
  background: var(--color-white);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-xl);
  box-shadow: var(--shadow-xs);
  height: 64px;
  min-width: 140px;
  transition: all var(--duration-normal) var(--ease-out);
  flex-shrink: 0;
}

.bank-logo-item:hover {
  box-shadow: var(--shadow-md);
  border-color: var(--color-primary);
  transform: translateY(-2px);
}

.bank-logo-text {
  font-family: var(--font-heading);
  font-size: var(--text-sm);
  font-weight: var(--weight-bold);
  color: var(--color-text-secondary);
  letter-spacing: 0.02em;
  white-space: nowrap;
}

/* ── LOAN CATEGORIES ── */
.loans-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: var(--space-6);
}

@media (max-width: 1200px) {
  .loans-grid { grid-template-columns: repeat(3, 1fr); }
}

@media (max-width: 768px) {
  .loans-grid { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 480px) {
  .loans-grid { grid-template-columns: 1fr; }
}

.loan-card {
  background: var(--color-white);
  border: 1.5px solid var(--color-border);
  border-radius: var(--radius-2xl);
  padding: var(--space-8) var(--space-6);
  display: flex;
  flex-direction: column;
  gap: var(--space-4);
  position: relative;
  overflow: hidden;
  cursor: pointer;
  transition:
    transform var(--duration-slow) var(--ease-out),
    box-shadow var(--duration-slow) var(--ease-out),
    border-color var(--duration-normal) var(--ease-out);
  text-decoration: none;
  color: inherit;
}

.loan-card::before {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(15,61,115,0.04) 0%, rgba(212,164,55,0.04) 100%);
  opacity: 0;
  transition: opacity var(--duration-normal) var(--ease-out);
}

.loan-card::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--color-primary), var(--color-gold));
  transform: scaleX(0);
  transform-origin: left;
  transition: transform var(--duration-slow) var(--ease-out);
}

.loan-card:hover {
  transform: translateY(-8px);
  box-shadow: var(--shadow-xl);
  border-color: rgba(15, 61, 115, 0.2);
}

.loan-card:hover::before { opacity: 1; }
.loan-card:hover::after  { transform: scaleX(1); }

.loan-card__icon-wrap {
  width: 60px;
  height: 60px;
  border-radius: var(--radius-xl);
  background: var(--color-primary-muted);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-primary);
  transition: all var(--duration-normal) var(--ease-spring);
}

.loan-card:hover .loan-card__icon-wrap {
  background: var(--color-primary);
  color: var(--color-white);
  transform: scale(1.1) rotate(-5deg);
  box-shadow: 0 8px 20px rgba(15, 61, 115, 0.25);
}

.loan-card__title {
  font-family: var(--font-heading);
  font-size: var(--text-base);
  font-weight: var(--weight-bold);
  color: var(--color-text);
  margin-bottom: var(--space-1);
}

.loan-card__desc {
  font-size: var(--text-xs);
  color: var(--color-text-secondary);
  line-height: 1.6;
  flex: 1;
}

.loan-card__rate {
  display: flex;
  align-items: center;
  gap: var(--space-2);
  margin-top: var(--space-1);
}

.loan-card__rate-label {
  font-size: var(--text-xs);
  color: var(--color-text-muted);
}

.loan-card__rate-value {
  font-family: var(--font-heading);
  font-size: var(--text-sm);
  font-weight: var(--weight-bold);
  color: var(--color-gold-dark);
}

.loan-card__apply {
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
  font-size: var(--text-xs);
  font-weight: var(--weight-semibold);
  color: var(--color-primary);
  margin-top: auto;
  padding: var(--space-2) 0;
  border-top: 1px solid var(--color-border);
  transition: gap var(--duration-normal) var(--ease-out), color var(--duration-normal) var(--ease-out);
}

.loan-card:hover .loan-card__apply {
  gap: var(--space-3);
  color: var(--color-gold-dark);
}

/* ── WHY CHOOSE US ── */
.why-section {
  background: var(--color-bg);
  position: relative;
  overflow: hidden;
}

.why-section::before {
  content: '';
  position: absolute;
  top: 0;
  left: 50%;
  transform: translateX(-50%);
  width: 600px;
  height: 600px;
  background: radial-gradient(circle, rgba(15,61,115,0.05) 0%, transparent 70%);
  pointer-events: none;
}

.why-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: var(--space-6);
}

@media (max-width: 1024px) {
  .why-grid { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 560px) {
  .why-grid { grid-template-columns: 1fr; }
}

.why-card {
  background: var(--color-white);
  border: 1.5px solid var(--color-border);
  border-radius: var(--radius-2xl);
  padding: var(--space-8);
  position: relative;
  overflow: hidden;
  transition:
    transform var(--duration-slow) var(--ease-out),
    box-shadow var(--duration-slow) var(--ease-out),
    border-color var(--duration-normal) var(--ease-out);
}

.why-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--color-primary), var(--color-gold));
  transform: scaleX(0);
  transform-origin: left;
  transition: transform var(--duration-slow) var(--ease-out);
}

.why-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-xl);
  border-color: transparent;
}

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

.why-card__number {
  position: absolute;
  top: var(--space-6);
  right: var(--space-6);
  font-family: var(--font-heading);
  font-size: 4rem;
  font-weight: var(--weight-extrabold);
  color: var(--color-primary-muted);
  line-height: 1;
  letter-spacing: -0.04em;
  transition: color var(--duration-normal) var(--ease-out);
}

.why-card:hover .why-card__number {
  color: rgba(212, 164, 55, 0.12);
}

.why-card__icon {
  width: 64px;
  height: 64px;
  border-radius: var(--radius-xl);
  display: flex;
  align-items: center;
  justify-content: center;
  background: var(--color-primary-muted);
  color: var(--color-primary);
  margin-bottom: var(--space-5);
  transition: all var(--duration-normal) var(--ease-spring);
}

.why-card:hover .why-card__icon {
  background: var(--color-primary);
  color: white;
  transform: scale(1.08) rotate(-6deg);
  box-shadow: 0 8px 20px rgba(15, 61, 115, 0.3);
}

.why-card__title {
  font-family: var(--font-heading);
  font-size: var(--text-lg);
  font-weight: var(--weight-bold);
  color: var(--color-text);
  margin-bottom: var(--space-3);
}

.why-card__desc {
  font-size: var(--text-sm);
  color: var(--color-text-secondary);
  line-height: var(--leading-loose);
}

/* ── HOW IT WORKS ── */
.how-section {
  position: relative;
  overflow: hidden;
}

.steps-container {
  position: relative;
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: var(--space-6);
}

/* Connector line */
.steps-connector {
  position: absolute;
  top: 48px;
  left: calc(12.5% + 24px);
  right: calc(12.5% + 24px);
  height: 2px;
  background: var(--color-border);
  z-index: 0;
}

.steps-connector-fill {
  height: 100%;
  background: linear-gradient(90deg, var(--color-primary), var(--color-gold));
  border-radius: var(--radius-full);
  width: 0%;
  transition: width 2s var(--ease-out) 0.5s;
}

.steps-connector-fill.animated {
  width: 100%;
}

.step-item {
  position: relative;
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  z-index: 1;
}

.step-bubble {
  width: 96px;
  height: 96px;
  border-radius: 50%;
  background: var(--color-white);
  border: 2px solid var(--color-border);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: var(--space-6);
  position: relative;
  transition: all var(--duration-slow) var(--ease-spring);
  box-shadow: var(--shadow-sm);
}

.step-bubble--active {
  background: linear-gradient(135deg, var(--color-primary-light), var(--color-primary));
  border-color: var(--color-primary);
  color: white;
  box-shadow: var(--shadow-primary);
}

.step-item:hover .step-bubble {
  transform: scale(1.08);
  box-shadow: var(--shadow-lg);
}

.step-item:hover .step-bubble:not(.step-bubble--active) {
  border-color: var(--color-primary);
  color: var(--color-primary);
}

.step-number {
  position: absolute;
  top: -10px;
  right: -10px;
  width: 28px;
  height: 28px;
  background: var(--color-gold);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-heading);
  font-size: var(--text-xs);
  font-weight: var(--weight-bold);
  color: white;
  box-shadow: 0 2px 8px rgba(212, 164, 55, 0.4);
}

.step-bubble svg {
  color: var(--color-primary);
  transition: color var(--duration-normal) var(--ease-out);
}

.step-bubble--active svg { color: white; }

.step-title {
  font-family: var(--font-heading);
  font-size: var(--text-base);
  font-weight: var(--weight-bold);
  color: var(--color-text);
  margin-bottom: var(--space-3);
}

.step-desc {
  font-size: var(--text-sm);
  color: var(--color-text-secondary);
  line-height: var(--leading-loose);
  max-width: 200px;
}

@media (max-width: 768px) {
  .steps-container {
    grid-template-columns: repeat(2, 1fr);
    gap: var(--space-8);
  }
  .steps-connector { display: none; }
}

@media (max-width: 480px) {
  .steps-container { grid-template-columns: 1fr; }
}

/* ── EMI CALCULATOR ── */
.emi-section {
  background: var(--color-bg);
}

.emi-wrapper {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-12);
  align-items: start;
}

@media (max-width: 900px) {
  .emi-wrapper { grid-template-columns: 1fr; }
}

.emi-card {
  background: var(--color-white);
  border: 1.5px solid var(--color-border);
  border-radius: var(--radius-2xl);
  padding: var(--space-8) var(--space-10);
  box-shadow: var(--shadow-lg);
}

.emi-slider-group {
  margin-bottom: var(--space-6);
}

.emi-slider-head {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  margin-bottom: var(--space-3);
}

.emi-slider-label {
  font-size: var(--text-sm);
  font-weight: var(--weight-semibold);
  color: var(--color-text);
}

.emi-slider-value {
  font-family: var(--font-heading);
  font-size: var(--text-base);
  font-weight: var(--weight-bold);
  color: var(--color-primary);
}

input[type="range"].emi-range {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 6px;
  border-radius: var(--radius-full);
  background: var(--color-border);
  outline: none;
  cursor: pointer;
  position: relative;
}

input[type="range"].emi-range::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: var(--color-primary);
  cursor: pointer;
  border: 3px solid white;
  box-shadow: 0 2px 8px rgba(15, 61, 115, 0.35);
  transition: transform var(--duration-fast) var(--ease-spring), box-shadow var(--duration-fast) var(--ease-out);
}

input[type="range"].emi-range::-webkit-slider-thumb:hover {
  transform: scale(1.15);
  box-shadow: 0 4px 14px rgba(15, 61, 115, 0.4);
}

input[type="range"].emi-range::-moz-range-thumb {
  width: 22px;
  height: 22px;
  border-radius: 50%;
  background: var(--color-primary);
  cursor: pointer;
  border: 3px solid white;
  box-shadow: 0 2px 8px rgba(15, 61, 115, 0.35);
}

.emi-result-area {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: var(--space-8);
}

.emi-pie-wrap {
  position: relative;
  width: 220px;
  height: 220px;
}

.emi-pie-wrap svg {
  transform: rotate(-90deg);
  width: 220px;
  height: 220px;
}

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

.emi-monthly-label {
  font-size: var(--text-xs);
  color: var(--color-text-muted);
  font-weight: var(--weight-semibold);
  letter-spacing: var(--tracking-wider);
  text-transform: uppercase;
  margin-bottom: 4px;
}

.emi-monthly-value {
  font-family: var(--font-heading);
  font-size: var(--text-2xl);
  font-weight: var(--weight-extrabold);
  color: var(--color-primary);
  letter-spacing: -0.03em;
}

.emi-breakdown {
  display: grid;
  grid-template-columns: 1fr 1fr 1fr;
  gap: var(--space-4);
  width: 100%;
}

.emi-breakdown-item {
  text-align: center;
  padding: var(--space-4);
  border-radius: var(--radius-xl);
  border: 1px solid var(--color-border);
}

.emi-breakdown-dot {
  width: 10px;
  height: 10px;
  border-radius: 50%;
  margin: 0 auto var(--space-2);
}

.emi-breakdown-label {
  font-size: 0.65rem;
  font-weight: var(--weight-semibold);
  letter-spacing: var(--tracking-wide);
  text-transform: uppercase;
  color: var(--color-text-muted);
  margin-bottom: 4px;
}

.emi-breakdown-value {
  font-family: var(--font-heading);
  font-size: var(--text-sm);
  font-weight: var(--weight-bold);
  color: var(--color-text);
}

/* ── ELIGIBILITY CHECKER ── */
.eligibility-wrapper {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-12);
  align-items: center;
}

@media (max-width: 900px) {
  .eligibility-wrapper { grid-template-columns: 1fr; }
}

.eligibility-left .section-subtitle {
  margin-bottom: var(--space-8);
}

.eligibility-features {
  display: flex;
  flex-direction: column;
  gap: var(--space-4);
  margin-bottom: var(--space-8);
}

.eligibility-feature {
  display: flex;
  align-items: center;
  gap: var(--space-4);
  padding: var(--space-4);
  background: var(--color-bg);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-xl);
  transition: all var(--duration-normal) var(--ease-out);
}

.eligibility-feature:hover {
  border-color: var(--color-primary);
  background: var(--color-primary-muted);
  transform: translateX(4px);
}

.eligibility-feature__icon {
  width: 44px;
  height: 44px;
  border-radius: var(--radius-lg);
  background: var(--color-primary-muted);
  color: var(--color-primary);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.eligibility-feature__text .title {
  font-size: var(--text-sm);
  font-weight: var(--weight-semibold);
  color: var(--color-text);
  margin-bottom: 2px;
}

.eligibility-feature__text .sub {
  font-size: var(--text-xs);
  color: var(--color-text-muted);
}

/* Multi-step card */
.eligibility-card {
  background: var(--color-white);
  border: 1.5px solid var(--color-border);
  border-radius: var(--radius-2xl);
  padding: var(--space-8) var(--space-8);
  box-shadow: var(--shadow-lg);
}

.elig-steps-nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: var(--space-8);
  position: relative;
}

.elig-step-dot {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: var(--space-2);
  position: relative;
  z-index: 1;
}

.elig-step-dot:not(:last-child)::after {
  content: '';
  position: absolute;
  left: 100%;
  top: 18px;
  width: calc(100% + 16px);
  height: 2px;
  background: var(--color-border);
}

.elig-step-circle {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  border: 2px solid var(--color-border);
  background: var(--color-white);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-heading);
  font-size: var(--text-xs);
  font-weight: var(--weight-bold);
  color: var(--color-text-muted);
  transition: all var(--duration-normal) var(--ease-out);
}

.elig-step-dot.done .elig-step-circle {
  background: var(--color-success);
  border-color: var(--color-success);
  color: white;
}

.elig-step-dot.active .elig-step-circle {
  background: var(--color-primary);
  border-color: var(--color-primary);
  color: white;
  box-shadow: 0 0 0 4px var(--color-primary-muted);
}

.elig-step-label {
  font-size: 0.6rem;
  font-weight: var(--weight-semibold);
  letter-spacing: var(--tracking-wide);
  text-transform: uppercase;
  color: var(--color-text-muted);
  white-space: nowrap;
}

.elig-step-dot.active .elig-step-label { color: var(--color-primary); }

.elig-form-fields {
  display: flex;
  flex-direction: column;
  gap: var(--space-4);
  margin-bottom: var(--space-6);
}

.elig-progress {
  margin-bottom: var(--space-6);
}

.elig-progress-label {
  display: flex;
  justify-content: space-between;
  font-size: var(--text-xs);
  color: var(--color-text-muted);
  margin-bottom: var(--space-2);
}

/* ── TESTIMONIALS ── */
.testimonials-section {
  background: var(--color-bg);
  overflow: hidden;
}

.testimonials-track-wrapper {
  overflow: hidden;
  position: relative;
}

.testimonials-track-wrapper::before,
.testimonials-track-wrapper::after {
  content: '';
  position: absolute;
  top: 0;
  bottom: 0;
  width: 80px;
  z-index: 2;
  pointer-events: none;
}

.testimonials-track-wrapper::before {
  left: 0;
  background: linear-gradient(to right, var(--color-bg), transparent);
}

.testimonials-track-wrapper::after {
  right: 0;
  background: linear-gradient(to left, var(--color-bg), transparent);
}

.testimonials-slider {
  display: flex;
  gap: var(--space-6);
  transition: transform 0.6s var(--ease-out);
  will-change: transform;
}

.testimonial-card {
  background: var(--color-white);
  border: 1.5px solid var(--color-border);
  border-radius: var(--radius-2xl);
  padding: var(--space-8);
  flex: 0 0 calc(33.333% - var(--space-4));
  min-width: calc(33.333% - var(--space-4));
  box-shadow: var(--shadow-sm);
  position: relative;
  transition: all var(--duration-slow) var(--ease-out);
}

@media (max-width: 1024px) {
  .testimonial-card { flex: 0 0 calc(50% - var(--space-3)); min-width: calc(50% - var(--space-3)); }
}

@media (max-width: 640px) {
  .testimonial-card { flex: 0 0 100%; min-width: 100%; }
}

.testimonial-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-xl);
  border-color: var(--color-primary);
}

.testimonial-quote {
  position: absolute;
  top: var(--space-6);
  right: var(--space-8);
  font-size: 3rem;
  line-height: 1;
  font-family: Georgia, serif;
  color: var(--color-primary-muted);
  font-weight: var(--weight-bold);
}

.testimonial-stars {
  display: flex;
  gap: 3px;
  margin-bottom: var(--space-4);
}

.star {
  color: var(--color-gold);
  font-size: var(--text-sm);
}

.testimonial-text {
  font-size: var(--text-sm);
  color: var(--color-text-secondary);
  line-height: var(--leading-loose);
  margin-bottom: var(--space-6);
  font-style: italic;
}

.testimonial-author {
  display: flex;
  align-items: center;
  gap: var(--space-4);
  padding-top: var(--space-4);
  border-top: 1px solid var(--color-border);
}

.author-avatar {
  width: 48px;
  height: 48px;
  border-radius: var(--radius-xl);
  background: linear-gradient(135deg, var(--color-primary), var(--color-primary-light));
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-heading);
  font-size: var(--text-base);
  font-weight: var(--weight-bold);
  color: white;
  flex-shrink: 0;
}

.author-name {
  font-weight: var(--weight-bold);
  font-size: var(--text-sm);
  color: var(--color-text);
}

.author-meta {
  font-size: var(--text-xs);
  color: var(--color-text-muted);
}

.verified-badge {
  display: inline-flex;
  align-items: center;
  gap: 3px;
  font-size: 0.6rem;
  font-weight: var(--weight-semibold);
  color: var(--color-success);
  background: var(--color-success-bg);
  padding: 2px 6px;
  border-radius: var(--radius-full);
}

.slider-controls {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: var(--space-4);
  margin-top: var(--space-10);
}

.slider-btn {
  width: 48px;
  height: 48px;
  border-radius: var(--radius-xl);
  border: 1.5px solid var(--color-border);
  background: var(--color-white);
  color: var(--color-text-secondary);
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  transition: all var(--duration-normal) var(--ease-out);
  box-shadow: var(--shadow-xs);
}

.slider-btn:hover {
  border-color: var(--color-primary);
  color: var(--color-primary);
  background: var(--color-primary-muted);
  box-shadow: var(--shadow-sm);
}

.slider-dots {
  display: flex;
  gap: var(--space-2);
}

.slider-dot {
  width: 8px;
  height: 8px;
  border-radius: var(--radius-full);
  background: var(--color-border);
  cursor: pointer;
  transition: all var(--duration-normal) var(--ease-out);
}

.slider-dot.active {
  background: var(--color-primary);
  width: 24px;
}

/* ── FAQ ── */
.faq-section {
  background: var(--color-white);
}

.faq-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: var(--space-12);
  align-items: start;
}

@media (max-width: 900px) {
  .faq-grid { grid-template-columns: 1fr; }
}

.faq-list {
  display: flex;
  flex-direction: column;
  gap: var(--space-4);
}

.faq-cta-card {
  background: linear-gradient(135deg, var(--color-primary-dark), var(--color-primary));
  border-radius: var(--radius-2xl);
  padding: var(--space-10);
  color: white;
  position: sticky;
  top: 100px;
}

.faq-cta-card .section-label {
  color: var(--color-gold);
  background: rgba(212, 164, 55, 0.15);
  border-color: rgba(212, 164, 55, 0.25);
}

.faq-cta-card h3 {
  font-family: var(--font-heading);
  font-size: var(--text-2xl);
  font-weight: var(--weight-bold);
  color: white;
  margin-bottom: var(--space-4);
}

.faq-cta-card p {
  color: rgba(255,255,255,0.75);
  font-size: var(--text-sm);
  line-height: var(--leading-loose);
  margin-bottom: var(--space-8);
}

.faq-contact-items {
  display: flex;
  flex-direction: column;
  gap: var(--space-4);
  margin-bottom: var(--space-8);
}

.faq-contact-item {
  display: flex;
  align-items: center;
  gap: var(--space-4);
  padding: var(--space-4);
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: var(--radius-xl);
  transition: background var(--duration-normal) var(--ease-out);
}

.faq-contact-item:hover {
  background: rgba(255,255,255,0.14);
}

.faq-contact-icon {
  width: 40px;
  height: 40px;
  border-radius: var(--radius-lg);
  background: rgba(255,255,255,0.12);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}

.faq-contact-label {
  font-size: var(--text-xs);
  color: rgba(255,255,255,0.6);
  margin-bottom: 2px;
}

.faq-contact-value {
  font-size: var(--text-sm);
  font-weight: var(--weight-semibold);
  color: white;
}

/* ── FINAL CTA ── */
.cta-section {
  position: relative;
  overflow: hidden;
  background: var(--color-primary);
  padding: clamp(5rem, 10vw, 9rem) 0;
}

.cta-bg-shapes {
  position: absolute;
  inset: 0;
  pointer-events: none;
  overflow: hidden;
}

.cta-shape {
  position: absolute;
  border-radius: 50%;
}

.cta-shape-1 {
  width: 500px;
  height: 500px;
  background: radial-gradient(circle, rgba(212, 164, 55, 0.15) 0%, transparent 70%);
  top: -20%;
  right: -5%;
}

.cta-shape-2 {
  width: 400px;
  height: 400px;
  background: radial-gradient(circle, rgba(255,255,255,0.05) 0%, transparent 70%);
  bottom: -15%;
  left: 10%;
}

.cta-shape-3 {
  width: 200px;
  height: 200px;
  background: radial-gradient(circle, rgba(212, 164, 55, 0.1) 0%, transparent 70%);
  top: 20%;
  left: 15%;
}

.cta-inner {
  position: relative;
  z-index: 1;
  text-align: center;
  max-width: 700px;
  margin: 0 auto;
}

.cta-label {
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
  font-size: var(--text-xs);
  font-weight: var(--weight-semibold);
  letter-spacing: var(--tracking-widest);
  text-transform: uppercase;
  color: var(--color-gold);
  background: rgba(212, 164, 55, 0.15);
  border: 1px solid rgba(212, 164, 55, 0.3);
  border-radius: var(--radius-full);
  padding: var(--space-2) var(--space-5);
  margin-bottom: var(--space-6);
}

.cta-title {
  font-family: var(--font-heading);
  font-size: clamp(var(--text-3xl), 5vw, var(--text-5xl));
  font-weight: var(--weight-extrabold);
  color: white;
  letter-spacing: var(--tracking-tight);
  line-height: 1.15;
  margin-bottom: var(--space-5);
}

.cta-title .gold { color: var(--color-gold); }

.cta-subtitle {
  font-size: clamp(var(--text-base), 1.5vw, var(--text-lg));
  color: rgba(255,255,255,0.75);
  line-height: var(--leading-loose);
  margin-bottom: var(--space-10);
}

.cta-buttons {
  display: flex;
  align-items: center;
  justify-content: center;
  flex-wrap: wrap;
  gap: var(--space-4);
  margin-bottom: var(--space-10);
}

.cta-trust-bar {
  display: flex;
  align-items: center;
  justify-content: center;
  flex-wrap: wrap;
  gap: var(--space-8);
  padding-top: var(--space-8);
  border-top: 1px solid rgba(255,255,255,0.12);
}

.cta-trust-item {
  display: flex;
  align-items: center;
  gap: var(--space-2);
  font-size: var(--text-xs);
  font-weight: var(--weight-medium);
  color: rgba(255,255,255,0.7);
}

.cta-trust-item svg { color: var(--color-gold); }

/* ── FOOTER ── */
.site-footer {
  background: var(--color-white);
  border-top: 1px solid var(--color-border);
}

.footer-top {
  padding: clamp(4rem, 6vw, 6rem) 0 clamp(3rem, 4vw, 4rem);
}

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1.5fr;
  gap: clamp(var(--space-8), 4vw, var(--space-16));
}

@media (max-width: 1024px) {
  .footer-grid { grid-template-columns: 1fr 1fr; gap: var(--space-8); }
}

@media (max-width: 560px) {
  .footer-grid { grid-template-columns: 1fr; }
}

.footer-brand {
  max-width: 340px;
}

.footer-logo {
  margin-bottom: var(--space-5);
}

.footer-logo img {
  height: 48px;
  width: auto;
}

.footer-desc {
  font-size: var(--text-sm);
  color: var(--color-text-secondary);
  line-height: var(--leading-loose);
  margin-bottom: var(--space-6);
}

.footer-contact-info {
  display: flex;
  flex-direction: column;
  gap: var(--space-3);
}

.footer-contact-row {
  display: flex;
  align-items: center;
  gap: var(--space-3);
  font-size: var(--text-sm);
  color: var(--color-text-secondary);
  text-decoration: none;
  transition: color var(--duration-normal) var(--ease-out);
}

.footer-contact-row:hover { color: var(--color-primary); }

.footer-contact-row svg {
  color: var(--color-primary);
  flex-shrink: 0;
  width: 16px;
  height: 16px;
}

.footer-col-title {
  font-family: var(--font-heading);
  font-size: var(--text-base);
  font-weight: var(--weight-bold);
  color: var(--color-text);
  margin-bottom: var(--space-6);
  position: relative;
  padding-bottom: var(--space-3);
}

.footer-col-title::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  width: 28px;
  height: 2px;
  background: linear-gradient(90deg, var(--color-primary), var(--color-gold));
  border-radius: var(--radius-full);
}

.footer-links {
  display: flex;
  flex-direction: column;
  gap: var(--space-3);
}

.footer-link {
  display: flex;
  align-items: center;
  gap: var(--space-2);
  font-size: var(--text-sm);
  color: var(--color-text-secondary);
  text-decoration: none;
  transition: all var(--duration-normal) var(--ease-out);
  padding: var(--space-1) 0;
}

.footer-link::before {
  content: '';
  width: 4px;
  height: 4px;
  border-radius: 50%;
  background: var(--color-border);
  flex-shrink: 0;
  transition: background var(--duration-normal) var(--ease-out), transform var(--duration-normal) var(--ease-out);
}

.footer-link:hover {
  color: var(--color-primary);
  transform: translateX(4px);
}

.footer-link:hover::before {
  background: var(--color-gold);
  transform: scale(1.5);
}

/* Newsletter */
.newsletter-form {
  display: flex;
  flex-direction: column;
  gap: var(--space-3);
}

.newsletter-input-wrap {
  display: flex;
  gap: var(--space-2);
}

.newsletter-input-wrap .form-input {
  flex: 1;
}

.social-links {
  display: flex;
  gap: var(--space-3);
  margin-top: var(--space-5);
}

.social-link {
  width: 40px;
  height: 40px;
  border-radius: var(--radius-lg);
  border: 1.5px solid var(--color-border);
  background: var(--color-white);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--color-text-secondary);
  text-decoration: none;
  transition: all var(--duration-normal) var(--ease-spring);
}

.social-link:hover {
  border-color: var(--color-primary);
  background: var(--color-primary);
  color: white;
  transform: translateY(-3px);
  box-shadow: var(--shadow-primary);
}

/* Footer Bottom */
.footer-bottom {
  padding: var(--space-6) 0;
  border-top: 1px solid var(--color-border);
}

.footer-bottom-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: var(--space-4);
}

.footer-copy {
  font-size: var(--text-sm);
  color: var(--color-text-muted);
}

.footer-devby {
  font-size: var(--text-xs);
  color: var(--color-text-muted);
  text-align: center;
  flex: 1;
}

.footer-devby a {
  color: var(--color-primary);
  font-weight: var(--weight-semibold);
  text-decoration: none;
  transition: color var(--duration-normal) var(--ease-out);
}

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

.footer-legal-links {
  display: flex;
  gap: var(--space-5);
}

.footer-legal-link {
  font-size: var(--text-xs);
  color: var(--color-text-muted);
  text-decoration: none;
  transition: color var(--duration-normal) var(--ease-out);
}

.footer-legal-link:hover { color: var(--color-primary); }

/* ── PAGE LOADER ── */
#page-loader {
  position: fixed;
  inset: 0;
  background: var(--color-white);
  z-index: 9999;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: var(--space-8);
  transition: opacity 0.6s var(--ease-out), visibility 0.6s var(--ease-out);
}

#page-loader.hidden {
  opacity: 0;
  visibility: hidden;
  pointer-events: none;
}

.loader-logo {
  height: 64px;
  animation: loader-pulse 1.5s ease-in-out infinite;
}

@keyframes loader-pulse {
  0%, 100% { opacity: 1; transform: scale(1); }
  50%       { opacity: 0.7; transform: scale(0.97); }
}

.loader-bar-wrap {
  width: 200px;
  height: 3px;
  background: var(--color-border);
  border-radius: var(--radius-full);
  overflow: hidden;
}

.loader-bar {
  height: 100%;
  background: linear-gradient(90deg, var(--color-primary), var(--color-gold), var(--color-primary));
  background-size: 200% 100%;
  border-radius: var(--radius-full);
  animation: loader-slide 1.5s ease-in-out infinite, gradient-shift 2s linear infinite;
}

@keyframes loader-slide {
  0%   { width: 0%; margin-left: 0%; }
  50%  { width: 70%; margin-left: 30%; }
  100% { width: 0%; margin-left: 100%; }
}

.loader-text {
  font-size: var(--text-xs);
  font-weight: var(--weight-semibold);
  letter-spacing: var(--tracking-widest);
  text-transform: uppercase;
  color: var(--color-text-muted);
}

/* ── Responsive Overrides ── */
@media (max-width: 1100px) {
  .header-inner {
    grid-template-columns: 160px 1fr 160px;
  }
}

@media (max-width: 900px) {
  .desktop-nav { display: none; }
  .hamburger { display: flex; }
  .header-phone { display: none; }
  .header-inner {
    grid-template-columns: 1fr auto;
  }
  .hero-inner {
    grid-template-columns: 1fr;
    text-align: center;
  }
  .hero-left {
    max-width: 100%;
    order: 2;
  }
  .hero-right {
    order: 1;
    height: 400px;
  }
  .hero-cta { justify-content: center; }
  .hero-trust { justify-content: center; }
  .hero-stats { grid-template-columns: repeat(2, 1fr); }
  .hero-stat:nth-child(2)::after { display: none; }
}

@media (max-width: 640px) {
  .hero-stats { grid-template-columns: repeat(2, 1fr); gap: 0; }
  .hero-stat::after { display: none !important; }
  .hero-right { display: none; }
  .float-card { display: none; }
  .toast-container { bottom: var(--space-4); right: var(--space-4); left: var(--space-4); }
  .toast { min-width: 0; max-width: 100%; }
}