/* Wayne Enterprises Financial Services - Main Stylesheet */

/* ===== CSS VARIABLES ===== */
:root {
  --primary: #0096C7;
  --primary-dark: #0077A3;
  --primary-light: #e0f7fe;
  --secondary: #000000;
  --white: #ffffff;
  --light-gray: #F5F7FA;
  --gray: #6b7280;
  --dark-gray: #374151;
  --border: #e5e7eb;
  --shadow: 0 4px 6px -1px rgba(0,0,0,0.1), 0 2px 4px -1px rgba(0,0,0,0.06);
  --shadow-lg: 0 10px 15px -3px rgba(0,0,0,0.1), 0 4px 6px -2px rgba(0,0,0,0.05);
  --shadow-xl: 0 20px 25px -5px rgba(0,0,0,0.1), 0 10px 10px -5px rgba(0,0,0,0.04);
  --radius: 8px;
  --radius-lg: 16px;
  --radius-xl: 24px;
  --transition: all 0.3s ease;
  --font-sans: 'Inter', 'Segoe UI', system-ui, -apple-system, sans-serif;
  --max-width: 1200px;
  --header-height: 120px;
}

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

/* ===== TYPOGRAPHY ===== */
h1, h2, h3, h4, h5, h6 { font-weight: 700; line-height: 1.2; color: var(--secondary); }
h1 { font-size: clamp(2rem, 5vw, 3.5rem); }
h2 { font-size: clamp(1.75rem, 4vw, 2.5rem); }
h3 { font-size: clamp(1.2rem, 3vw, 1.6rem); }
h4 { font-size: 1.15rem; }
p { color: var(--gray); line-height: 1.75; }

/* ===== UTILITIES ===== */
.container { max-width: var(--max-width); margin: 0 auto; padding: 0 1.5rem; }
.section-padding { padding: 90px 0; }
.text-center { text-align: center; }
.text-primary { color: var(--primary); }

.section-label {
  display: inline-block;
  background: var(--primary-light);
  color: var(--primary);
  font-size: 0.8rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  padding: 6px 16px;
  border-radius: 100px;
  margin-bottom: 1rem;
}

.section-header { margin-bottom: 3rem; }
.section-header .section-subtitle {
  font-size: 1.05rem;
  color: var(--gray);
  max-width: 580px;
  margin-top: 0.75rem;
}
.section-header.centered { text-align: center; }
.section-header.centered .section-subtitle { margin: 0.75rem auto 0; }

/* ===== BUTTONS ===== */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  padding: 14px 28px;
  border-radius: var(--radius);
  font-size: 0.95rem;
  font-weight: 600;
  transition: var(--transition);
  cursor: pointer;
  border: 2px solid transparent;
  white-space: nowrap;
  line-height: 1;
}
.btn-primary { background: var(--primary); color: var(--white); border-color: var(--primary); }
.btn-primary:hover { background: var(--primary-dark); border-color: var(--primary-dark); transform: translateY(-2px); box-shadow: 0 8px 25px rgba(0,150,199,0.35); color: var(--white); }
.btn-outline { background: transparent; color: var(--white); border-color: rgba(255,255,255,0.6); }
.btn-outline:hover { background: var(--white); color: var(--primary); transform: translateY(-2px); }
.btn-outline-dark { background: transparent; color: var(--secondary); border-color: var(--secondary); }
.btn-outline-dark:hover { background: var(--secondary); color: var(--white); transform: translateY(-2px); }
.btn-lg { padding: 16px 36px; font-size: 1.05rem; }
.btn-sm { padding: 10px 20px; font-size: 0.85rem; }

/* ===== HEADER ===== */
.header {
  position: fixed; top: 0; left: 0; right: 0;
  height: var(--header-height);
  background: rgba(255,255,255,0.96);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  z-index: 1000;
  transition: var(--transition);
  border-bottom: 1px solid transparent;
}
.header.scrolled { box-shadow: var(--shadow); border-bottom-color: var(--border); }
.header .container { height: 100%; display: flex; align-items: center; justify-content: space-between; gap: 1.5rem; }

.logo { display: flex; align-items: center; gap: 10px; flex-shrink: 0; }
.logo img { height: 76px; width: auto; }
.logo-text { font-size: 1.1rem; font-weight: 800; color: var(--secondary); line-height: 1.1; }
.logo-text span { color: var(--primary); display: block; font-size: 0.7rem; font-weight: 500; letter-spacing: 0.08em; text-transform: uppercase; }

.nav-menu { display: flex; align-items: center; gap: 0.15rem; }
.nav-link { padding: 8px 13px; border-radius: var(--radius); font-weight: 500; font-size: 0.9rem; color: var(--dark-gray); }
.nav-link:hover { color: var(--primary); background: var(--primary-light); }
.nav-link.active { color: var(--primary); background: var(--primary-light); }
.nav-cta { background: var(--primary) !important; color: var(--white) !important; margin-left: 0.5rem; }
.nav-cta:hover { background: var(--primary-dark) !important; }

.hamburger { display: none; flex-direction: column; gap: 5px; cursor: pointer; padding: 5px; }
.hamburger span { display: block; width: 24px; height: 2px; background: var(--secondary); border-radius: 2px; transition: var(--transition); }
.hamburger.active span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.hamburger.active span:nth-child(2) { opacity: 0; }
.hamburger.active span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* ===== PAGE HERO (inner pages) ===== */
.page-hero {
  background: linear-gradient(135deg, #000000 0%, #0a0a1a 55%, #001628 100%);
  padding: calc(var(--header-height) + 60px) 0 70px;
  position: relative; overflow: hidden;
}
.page-hero::before {
  content:''; position:absolute; top:-30%; right:-5%;
  width:550px; height:550px;
  background: radial-gradient(circle, rgba(0,150,199,0.13) 0%, transparent 70%);
  border-radius:50%;
}
.page-hero::after {
  content:''; position:absolute; bottom:-20%; left:-5%;
  width:350px; height:350px;
  background: radial-gradient(circle, rgba(0,150,199,0.07) 0%, transparent 70%);
  border-radius:50%;
}
.page-hero .container { position: relative; z-index:1; }
.page-hero h1 { color: var(--white); margin-bottom: 1rem; font-size: clamp(1.5rem, 3vw, 2.2rem); }
.page-hero p { color: rgba(255,255,255,0.65); font-size: 1.1rem; max-width: 560px; }
.breadcrumb { display:flex; align-items:center; gap:0.5rem; margin-top:1.5rem; font-size:0.85rem; }
.breadcrumb a { color: rgba(255,255,255,0.5); }
.breadcrumb a:hover { color: var(--primary); }
.breadcrumb .sep { color: rgba(255,255,255,0.3); }
.breadcrumb .current { color: var(--primary); font-weight:600; }

/* ===== HERO ===== */
.hero {
  min-height: 68vh;
  background: linear-gradient(135deg, #000000 0%, #050510 50%, #001628 100%);
  display: flex; align-items: center;
  padding: calc(var(--header-height) + 45px) 0 65px;
  position: relative; overflow: hidden;
}
.hero::before {
  content:''; position:absolute; top:5%; right:3%;
  width:700px; height:700px;
  background: radial-gradient(circle, rgba(0,150,199,0.1) 0%, transparent 65%);
  border-radius:50%; animation: floatBg 8s ease-in-out infinite;
}
.hero::after {
  content:''; position:absolute; bottom:5%; left:3%;
  width:450px; height:450px;
  background: radial-gradient(circle, rgba(0,100,255,0.07) 0%, transparent 65%);
  border-radius:50%; animation: floatBg 10s ease-in-out infinite reverse;
}
@keyframes floatBg { 0%,100%{transform:translateY(0)} 50%{transform:translateY(-20px)} }

.hero-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 4rem; align-items: center; position: relative; z-index:1; }

.hero-badge {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(0,150,199,0.12); border: 1px solid rgba(0,150,199,0.25);
  color: var(--primary); padding: 8px 16px; border-radius: 100px;
  font-size: 0.82rem; font-weight: 600; margin-bottom: 1.5rem;
}
.badge-dot { width:8px; height:8px; background: var(--primary); border-radius:50%; animation: pulseDot 2s ease-in-out infinite; }
@keyframes pulseDot { 0%,100%{transform:scale(1);opacity:1} 50%{transform:scale(1.4);opacity:0.6} }

.hero-content h1 { color: var(--white); margin-bottom: 1.5rem; line-height: 1.1; font-size: clamp(1.4rem, 3.2vw, 2.3rem); }
.hero-content h1 .highlight { color: var(--primary); }
.hero-content > p { color: rgba(255,255,255,0.65); font-size: 1.1rem; margin-bottom: 2.5rem; max-width: 480px; }
.hero-buttons { display: flex; gap: 1rem; flex-wrap: wrap; margin-bottom: 3rem; }

.hero-stats { display: flex; gap: 2rem; padding-top: 2rem; border-top: 1px solid rgba(255,255,255,0.1); }
.hero-stat-num { font-size: 1.6rem; font-weight: 900; color: var(--primary); line-height: 1; }
.hero-stat-label { font-size: 0.8rem; color: rgba(255,255,255,0.45); margin-top:3px; }

.hero-visual { position:relative; display:flex; justify-content:center; align-items:center; }

.hero-card {
  background: rgba(255,255,255,0.04);
  backdrop-filter: blur(20px);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: var(--radius-xl);
  padding: 2rem;
  width: 100%; max-width: 370px;
}
.hero-card-top { display:flex; align-items:center; justify-content:space-between; margin-bottom:1.75rem; }
.hero-card-type { font-size:0.78rem; color:rgba(255,255,255,0.5); font-weight:600; letter-spacing:0.05em; text-transform:uppercase; }
.hero-card-icon { width:44px; height:44px; background:var(--primary); border-radius:var(--radius); display:flex; align-items:center; justify-content:center; font-size:1.3rem; color:white; }
.hero-amount { font-size:2.5rem; font-weight:900; color:var(--white); line-height:1; margin-bottom:4px; }
.hero-amount-sub { font-size:0.82rem; color:rgba(255,255,255,0.4); margin-bottom:1.75rem; }

.hero-progress-wrap { margin-bottom:1.75rem; }
.hero-progress-top { display:flex; justify-content:space-between; margin-bottom:8px; }
.hero-progress-top span { font-size:0.78rem; color:rgba(255,255,255,0.5); }
.hero-progress-bar { height:6px; background:rgba(255,255,255,0.08); border-radius:100px; overflow:hidden; }
.hero-progress-fill { height:100%; width:72%; background:linear-gradient(90deg,var(--primary),#0077ff); border-radius:100px; animation:progressAnim 1.5s ease 0.5s both; }
@keyframes progressAnim { from{width:0} to{width:72%} }

.hero-info-row { display:grid; grid-template-columns:1fr 1fr; gap:1rem; }
.hero-info-box { background:rgba(255,255,255,0.05); border-radius:var(--radius); padding:12px; }
.hero-info-box .lbl { font-size:0.72rem; color:rgba(255,255,255,0.35); text-transform:uppercase; letter-spacing:0.05em; margin-bottom:4px; }
.hero-info-box .val { font-size:0.9rem; font-weight:700; color:var(--white); }

.float-chip {
  position:absolute; background:var(--white); border-radius:var(--radius);
  padding:10px 14px; box-shadow:var(--shadow-lg);
  display:flex; align-items:center; gap:10px;
}
.float-chip-1 { top:-18px; right:-18px; animation:floatChip 3.5s ease-in-out infinite; }
.float-chip-2 { bottom:-14px; left:-22px; animation:floatChip 4.5s ease-in-out infinite 1s; }
@keyframes floatChip { 0%,100%{transform:translateY(0)} 50%{transform:translateY(-10px)} }
.chip-icon { width:32px; height:32px; border-radius:var(--radius); display:flex; align-items:center; justify-content:center; font-size:1rem; }
.chip-icon.green { background:#dcfce7; color:#16a34a; }
.chip-icon.blue { background:var(--primary-light); color:var(--primary); }
.chip-body strong { display:block; font-size:0.85rem; color:var(--secondary); }
.chip-body span { font-size:0.75rem; color:var(--gray); }

/* ===== WHY CHOOSE US ===== */
.why-us { background: var(--light-gray); }

.why-us-intro {
  display: grid; grid-template-columns: 1fr 1fr; gap: 3.5rem;
  align-items: center; margin-bottom: 3.5rem;
}
.why-us-intro-img {
  border-radius: var(--radius-xl); overflow: hidden; height: 380px;
}
.why-us-intro-img img { width: 100%; height: 100%; object-fit: cover; display: block; }
.why-us-intro-text .section-label { margin-bottom: 0.75rem; }
.why-us-intro-text h2 { margin-bottom: 1rem; }
.why-us-intro-text p { font-size: 1rem; line-height: 1.75; }

.features-grid { display:grid; grid-template-columns:repeat(4,1fr); gap:1.5rem; }
.feature-card {
  background:var(--white); border-radius:var(--radius-lg); padding:2rem;
  border:1px solid transparent; transition:var(--transition); position:relative; overflow:hidden;
}
.feature-card::before {
  content:''; position:absolute; top:0; left:0; right:0; height:3px;
  background:linear-gradient(90deg,var(--primary),#0077ff);
  transform:scaleX(0); transition:var(--transition);
}
.feature-card:hover::before { transform:scaleX(1); }
.feature-card:hover { box-shadow:var(--shadow-xl); border-color:rgba(0,150,199,0.2); transform:translateY(-5px); }
.feature-icon {
  width:54px; height:54px; background:var(--primary-light); border-radius:var(--radius);
  display:flex; align-items:center; justify-content:center;
  font-size:1.5rem; color:var(--primary); margin-bottom:1.25rem; transition:var(--transition);
}
.feature-card:hover .feature-icon { background:var(--primary); color:var(--white); }
.feature-card h3 { font-size:1.1rem; margin-bottom:0.6rem; }
.feature-card p { font-size:0.88rem; }

/* ===== LOAN CATEGORIES ===== */
.loan-cats { background:var(--white); }
.loan-cats-grid { display:grid; grid-template-columns:repeat(4,1fr); gap:1.5rem; }
.loan-cat-card {
  background:var(--light-gray); border-radius:var(--radius-lg); padding:2rem 1.5rem;
  transition:var(--transition); position:relative; overflow:hidden; border:2px solid transparent;
}
.loan-cat-card::after {
  content:''; position:absolute; inset:0;
  background:linear-gradient(135deg,var(--primary),#0077ff);
  opacity:0; transition:var(--transition); border-radius:inherit;
}
.loan-cat-card:hover::after { opacity:1; }
.loan-cat-card:hover { transform:translateY(-5px); box-shadow:var(--shadow-xl); }
.loan-cat-icon, .loan-cat-card h3, .loan-cat-card p, .loan-cat-link { position:relative; z-index:1; transition:var(--transition); }
.loan-cat-icon { width:58px; height:58px; background:var(--white); border-radius:var(--radius); display:flex; align-items:center; justify-content:center; font-size:1.7rem; color:var(--primary); margin-bottom:1.5rem; }
.loan-cat-card:hover .loan-cat-icon { background:rgba(255,255,255,0.2); color:var(--white); }
.loan-cat-card h3 { font-size:1.05rem; margin-bottom:0.6rem; }
.loan-cat-card:hover h3 { color:var(--white); }
.loan-cat-card p { font-size:0.88rem; margin-bottom:1.5rem; }
.loan-cat-card:hover p { color:rgba(255,255,255,0.8); }
.loan-cat-link { display:inline-flex; align-items:center; gap:5px; font-size:0.88rem; font-weight:600; color:var(--primary); }
.loan-cat-card:hover .loan-cat-link { color:var(--white); }

/* ===== IMAGE DIVIDER ===== */
.image-divider {
  position: relative; height: 420px; overflow: hidden;
}
.image-divider img {
  width: 100%; height: 100%; object-fit: cover; display: block;
}
.image-divider::after {
  content: ''; position: absolute; inset: 0;
  background: rgba(0,0,0,0.62);
}
.image-divider-inner {
  position: absolute; inset: 0; z-index: 1;
  display: flex; align-items: center; justify-content: center;
  text-align: center; padding: 2rem;
}
.image-divider-inner h2 {
  color: var(--white); font-size: clamp(1.5rem, 3.5vw, 2.4rem); margin-bottom: 0.85rem;
}
.image-divider-inner p {
  color: rgba(255,255,255,0.75); font-size: 1.05rem;
  max-width: 560px; margin: 0 auto;
}

/* ===== PROCESS ===== */
.process { background:#0d1520; }
.process .section-label { background:rgba(0,150,199,0.12); color:var(--primary); }
.process h2 { color:var(--white); }
.process .section-header .section-subtitle { color:rgba(255,255,255,0.55); }

.process-timeline { display:grid; grid-template-columns:repeat(4,1fr); gap:2.5rem; position:relative; }

.process-step {
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.1);
  border-top: 3px solid var(--primary);
  border-radius: var(--radius-lg);
  padding: 1.75rem 1.5rem;
  position: relative;
  transition: var(--transition);
  z-index: 1;
}
.process-step:hover {
  background: rgba(255,255,255,0.08);
  transform: translateY(-5px);
  border-color: rgba(0,150,199,0.3);
  border-top-color: var(--primary);
  box-shadow: 0 16px 32px rgba(0,0,0,0.35);
}

.step-top {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 1.4rem;
}
.step-count {
  font-size: 2.4rem;
  font-weight: 900;
  color: var(--primary);
  line-height: 1;
  letter-spacing: -0.02em;
  opacity: 0.55;
}
.step-icon-box {
  width: 48px; height: 48px;
  background: rgba(0,150,199,0.12);
  border: 1.5px solid rgba(0,150,199,0.3);
  border-radius: var(--radius);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.25rem; color: var(--primary);
  transition: var(--transition); flex-shrink: 0;
}
.process-step:hover .step-icon-box { background:var(--primary); color:var(--white); border-color:var(--primary); }

.process-step h3 { color:var(--white); font-size:1rem; margin-bottom:0.5rem; }
.process-step p { color:rgba(255,255,255,0.5); font-size:0.85rem; line-height:1.65; }

.step-arrow {
  position: absolute;
  right: 0; top: 50%;
  transform: translate(50%, -50%);
  width: 36px; height: 36px;
  background: var(--secondary);
  border: 1.5px solid rgba(0,150,199,0.4);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  color: var(--primary); font-size: 0.72rem; z-index: 2;
}

/* ===== PROCESS OVERVIEW — light background variant (how-it-works.html) ===== */
.process-light .process-step {
  background: var(--white);
  border-color: var(--border);
}
.process-light .process-step:hover {
  background: var(--white);
  border-color: rgba(0,150,199,0.2);
  border-top-color: var(--primary);
}
.process-light .process-step h3 { color: var(--dark); }
.process-light .process-step p  { color: var(--gray); }

.step-circle {
  position: relative;
  width: 58px; height: 58px;
  background: var(--primary-light);
  border-radius: var(--radius);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.4rem; color: var(--primary);
  margin-bottom: 1.5rem;
  transition: var(--transition);
}
.process-step:hover .step-circle { background: var(--primary); color: var(--white); }

.step-num {
  position: absolute;
  top: -6px; right: -6px;
  width: 20px; height: 20px;
  background: var(--dark);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 0.65rem; font-weight: 800; color: var(--white);
  line-height: 1;
}
.process-step:hover .step-num { background: var(--primary); }

/* ===== STATS ===== */
.stats { background:linear-gradient(135deg,var(--primary) 0%,#0077ff 100%); padding:80px 0; }
.stats-grid { display:grid; grid-template-columns:repeat(4,1fr); gap:2rem; text-align:center; }
.stat-num { font-size:clamp(2.5rem,5vw,3.5rem); font-weight:900; color:var(--white); line-height:1; margin-bottom:0.5rem; }
.stat-label { font-size:1rem; color:rgba(255,255,255,0.8); font-weight:500; }

/* ===== TESTIMONIALS ===== */
.testimonials { background:var(--light-gray); }
.testimonials-grid { display:grid; grid-template-columns:repeat(3,1fr); gap:1.5rem; }
.testimonial-card {
  background:var(--white); border-radius:var(--radius-lg); padding:2rem;
  border:1px solid var(--border); transition:var(--transition); position:relative;
}
.testimonial-card::before {
  content:'"'; position:absolute; top:16px; right:20px;
  font-size:5rem; color:var(--primary-light); font-family:Georgia,serif; line-height:1; pointer-events:none;
}
.testimonial-card:hover { box-shadow:var(--shadow-xl); transform:translateY(-5px); }
.stars { color:#f59e0b; font-size:1rem; letter-spacing:2px; margin-bottom:1rem; }
.testimonial-text { font-size:0.92rem; line-height:1.75; margin-bottom:1.5rem; font-style:italic; color:var(--dark-gray); position:relative; z-index:1; }
.testimonial-author { display:flex; align-items:center; gap:12px; }
.author-avatar { width:44px; height:44px; border-radius:50%; overflow:hidden; flex-shrink:0; }
.author-avatar img { width:100%; height:100%; object-fit:cover; display:block; }
.author-name { font-weight:700; font-size:0.9rem; color:var(--secondary); }
.author-role { font-size:0.78rem; color:var(--gray); margin-top:2px; }

/* ===== CTA ===== */
.cta {
  background:linear-gradient(135deg,#0e1f35 0%,#1a3050 100%);
  padding:100px 0; position:relative; overflow:hidden;
}
.cta::before {
  content:''; position:absolute; top:-40%; left:-8%;
  width:600px; height:600px;
  background:radial-gradient(circle,rgba(0,150,199,0.09) 0%,transparent 70%);
  border-radius:50%;
}
.cta::after {
  content:''; position:absolute; bottom:-30%; right:-5%;
  width:400px; height:400px;
  background:radial-gradient(circle,rgba(0,119,255,0.09) 0%,transparent 70%);
  border-radius:50%;
}
.cta-inner { position:relative; z-index:1; text-align:center; max-width:680px; margin:0 auto; }
.cta-inner h2 { color:var(--white); margin-bottom:1.25rem; }
.cta-inner p { color:rgba(255,255,255,0.65); font-size:1.05rem; margin-bottom:2.5rem; }
.cta-buttons { display:flex; gap:1rem; justify-content:center; flex-wrap:wrap; }

/* ===== ABOUT PAGE ===== */
.about-grid { display:grid; grid-template-columns:1fr 1fr; gap:5rem; align-items:center; }
.about-visual-box {
  background:linear-gradient(135deg,var(--primary-light),rgba(0,119,255,0.08));
  border-radius:var(--radius-xl); padding:2.5rem; position:relative; overflow:hidden;
}
.about-visual-box::before { content:''; position:absolute; top:-15px; left:-15px; width:80px; height:80px; border:3px solid var(--primary); border-radius:var(--radius); opacity:0.3; }
.about-visual-box::after { content:''; position:absolute; bottom:-15px; right:-15px; width:70px; height:70px; background:var(--primary); border-radius:var(--radius); opacity:0.12; }
.about-inner-card { background:var(--white); border-radius:var(--radius-lg); padding:2.5rem; text-align:center; }
.about-big-icon { font-size:7rem; color:var(--primary); display:block; margin-bottom:1.5rem; animation:floatChip 5s ease-in-out infinite; }
.about-mini-stats { display:grid; grid-template-columns:repeat(3,1fr); gap:1rem; margin-top:1.5rem; }
.mini-stat { background:var(--light-gray); border-radius:var(--radius); padding:1rem; text-align:center; }
.mini-stat h4 { color:var(--primary); font-size:1.25rem; }
.mini-stat p { font-size:0.75rem; color:var(--gray); }

.check-list { display:flex; flex-direction:column; gap:0.75rem; margin:1.5rem 0 2rem; }
.check-item { display:flex; align-items:flex-start; gap:12px; }
.check-icon { width:22px; height:22px; background:var(--primary); border-radius:50%; display:flex; align-items:center; justify-content:center; color:var(--white); font-size:0.65rem; flex-shrink:0; margin-top:2px; }
.check-item p { color:var(--dark-gray); font-size:0.92rem; margin:0; }

.mv-grid { display:grid; grid-template-columns:1fr 1fr; gap:2rem; }
.mv-card { border-radius:var(--radius-xl); padding:2.5rem; }
.mv-card-dark { background:linear-gradient(135deg,#000000,#1a1a2e); }
.mv-card-blue { background:linear-gradient(135deg,var(--primary),#0077ff); }
.mv-icon { font-size:2.5rem; display:block; margin-bottom:1.25rem; }
.mv-card h3 { color:var(--white); margin-bottom:0.75rem; }
.mv-card p { color:rgba(255,255,255,0.75); font-size:0.95rem; }

.values-grid { display:grid; grid-template-columns:repeat(5,1fr); gap:1.5rem; }
.value-card { background:var(--white); border-radius:var(--radius-lg); padding:1.75rem 1.25rem; text-align:center; border:2px solid var(--border); transition:var(--transition); }
.value-card:hover { border-color:var(--primary); transform:translateY(-5px); box-shadow:var(--shadow-lg); }
.value-emoji { font-size:2.5rem; display:block; margin-bottom:1rem; }
.value-card h4 { font-size:0.95rem; margin-bottom:0.4rem; }
.value-card p { font-size:0.8rem; }

.team-grid { display:grid; grid-template-columns:repeat(3,1fr); gap:2rem; }
.team-card { background:var(--white); border-radius:var(--radius-xl); overflow:hidden; border:1px solid var(--border); transition:var(--transition); }
.team-card:hover { box-shadow:var(--shadow-xl); transform:translateY(-5px); }
.team-avatar-area { height:180px; display:flex; align-items:center; justify-content:center; font-size:5rem; }
.team-body { padding:1.5rem; text-align:center; }
.team-body h4 { margin-bottom:3px; }
.team-role { color:var(--primary); font-size:0.85rem; font-weight:600; margin-bottom:0.5rem; }
.team-body p { font-size:0.83rem; }

/* ===== LOANS PAGE ===== */
.loan-tabs-bar { display:flex; gap:1rem; flex-wrap:wrap; margin-bottom:3rem; }
.ltab { padding:10px 24px; border-radius:100px; font-weight:600; font-size:0.88rem; background:var(--light-gray); color:var(--gray); transition:var(--transition); cursor:pointer; }
.ltab.active, .ltab:hover { background:var(--primary); color:var(--white); }

.loan-product-section { padding:60px 0; border-bottom:1px solid var(--border); }
.loan-product-section:last-of-type { border-bottom:none; }
.loan-product-grid { display:grid; grid-template-columns:1fr 1fr; gap:5rem; align-items:start; }
.loan-product-grid.flip { direction:rtl; }
.loan-product-grid.flip > * { direction:ltr; }
.loan-visual { background:linear-gradient(135deg,var(--light-gray),rgba(0,150,199,0.06)); border-radius:var(--radius-xl); padding:3rem; text-align:center; }
.loan-big-icon { font-size:7rem; color:var(--primary); display:block; margin-bottom:2rem; animation:floatChip 5s ease-in-out infinite; }
.loan-feat-list { display:flex; flex-direction:column; gap:0.75rem; }
.loan-feat-item { display:flex; align-items:center; gap:12px; background:var(--white); border-radius:var(--radius); padding:12px 16px; }
.loan-feat-dot { width:10px; height:10px; background:var(--primary); border-radius:50%; flex-shrink:0; }
.loan-feat-item span { font-size:0.88rem; font-weight:500; color:var(--dark-gray); }

.loan-amount-badge { display:inline-flex; align-items:center; gap:6px; background:var(--primary-light); color:var(--primary); padding:7px 14px; border-radius:100px; font-size:0.85rem; font-weight:700; margin-bottom:1.25rem; }
.loan-product-content h2 { font-size:1.9rem; margin-bottom:0.75rem; }
.loan-product-content > p { color:var(--gray); line-height:1.75; margin-bottom:2rem; }
.loan-benefits { display:grid; grid-template-columns:1fr 1fr; gap:0.75rem; margin-bottom:2rem; }
.benefit-item { display:flex; align-items:center; gap:8px; font-size:0.88rem; color:var(--dark-gray); }
.benefit-item::before { content:'✓'; min-width:20px; height:20px; background:#dcfce7; color:#16a34a; border-radius:50%; display:inline-flex; align-items:center; justify-content:center; font-size:0.65rem; font-weight:800; }
.eligibility-box { background:var(--light-gray); border-radius:var(--radius-lg); padding:1.5rem; margin-bottom:2rem; }
.eligibility-box h4 { margin-bottom:0.75rem; font-size:0.95rem; }
.eligibility-box ul { display:flex; flex-direction:column; gap:0.4rem; }
.eligibility-box li { font-size:0.87rem; color:var(--gray); padding-left:1rem; position:relative; }
.eligibility-box li::before { content:'•'; color:var(--primary); position:absolute; left:0; }

/* ===== CALCULATOR ===== */
.calc-section { background:var(--light-gray); }
.calc-wrapper { display:grid; grid-template-columns:1fr 1fr; background:var(--white); border-radius:var(--radius-xl); overflow:hidden; box-shadow:var(--shadow-xl); }
.calc-form-side { padding:3rem; }
.calc-form-side h3 { margin-bottom:0.5rem; }
.calc-form-side > p { color:var(--gray); font-size:0.9rem; margin-bottom:2rem; }
.calc-field { margin-bottom:1.75rem; }
.calc-label-row { display:flex; justify-content:space-between; align-items:center; margin-bottom:0.75rem; }
.calc-label-row label { font-weight:600; font-size:0.9rem; color:var(--dark-gray); }
.calc-val { font-weight:700; color:var(--primary); background:var(--primary-light); padding:4px 12px; border-radius:100px; font-size:0.9rem; }
input[type=range] { width:100%; height:6px; background:var(--border); border-radius:100px; outline:none; cursor:pointer; -webkit-appearance:none; appearance:none; }
input[type=range]::-webkit-slider-thumb { -webkit-appearance:none; width:20px; height:20px; background:var(--primary); border-radius:50%; cursor:pointer; box-shadow:0 2px 8px rgba(0,150,199,0.4); }
.calc-range-ends { display:flex; justify-content:space-between; margin-top:5px; font-size:0.72rem; color:var(--gray); }

.calc-result-side { background:linear-gradient(135deg,#000000,#1a1a2e); padding:3rem; display:flex; flex-direction:column; justify-content:center; }
.calc-result-side h3 { color:var(--white); margin-bottom:2rem; }
.result-main { background:rgba(255,255,255,0.05); border:1px solid rgba(255,255,255,0.1); border-radius:var(--radius-lg); padding:2rem; text-align:center; margin-bottom:1.5rem; }
.result-main .r-label { color:rgba(255,255,255,0.45); font-size:0.8rem; text-transform:uppercase; letter-spacing:0.08em; margin-bottom:0.5rem; }
.result-main .r-value { font-size:2.5rem; font-weight:900; color:var(--primary); line-height:1; }
.result-row { display:grid; grid-template-columns:1fr 1fr; gap:1rem; margin-bottom:2rem; }
.result-box { background:rgba(255,255,255,0.05); border-radius:var(--radius); padding:1.25rem; text-align:center; }
.result-box .r-label { color:rgba(255,255,255,0.4); font-size:0.75rem; text-transform:uppercase; letter-spacing:0.06em; margin-bottom:0.5rem; }
.result-box .r-value { font-size:1.3rem; font-weight:800; color:var(--white); }
.calc-note { color:rgba(255,255,255,0.3); font-size:0.78rem; text-align:center; line-height:1.6; }

/* ===== HOW IT WORKS PAGE ===== */
.how-step-block { display:grid; grid-template-columns:1fr 1fr; gap:5rem; align-items:center; padding:70px 0; border-bottom:1px solid var(--border); }
.how-step-block:last-child { border-bottom:none; }
.how-step-block.flip { direction:rtl; }
.how-step-block.flip > * { direction:ltr; }
.how-step-visual { background:linear-gradient(135deg,var(--light-gray),rgba(0,150,199,0.07)); border-radius:var(--radius-xl); padding:3rem; text-align:center; }
.how-step-icon { font-size:7rem; display:block; margin-bottom:1rem; animation:floatChip 5s ease-in-out infinite; }
.how-step-tag { display:inline-flex; align-items:center; gap:8px; background:var(--primary); color:var(--white); padding:8px 18px; border-radius:100px; font-size:0.85rem; font-weight:600; }
.step-num-badge { display:inline-flex; align-items:center; justify-content:center; width:48px; height:48px; background:var(--primary); color:var(--white); border-radius:50%; font-size:1.2rem; font-weight:900; margin-bottom:1.5rem; }
.how-step-content h2 { font-size:1.75rem; margin-bottom:1rem; }
.how-step-content > p { color:var(--gray); margin-bottom:1.5rem; }
.tips-list { display:flex; flex-direction:column; gap:0.75rem; }
.tip-item { display:flex; align-items:flex-start; gap:10px; }
.tip-dot { width:8px; height:8px; background:var(--primary); border-radius:50%; flex-shrink:0; margin-top:7px; }
.tip-item span { font-size:0.9rem; color:var(--gray); }

.eligibility-section { background:var(--light-gray); }
.eligibility-cards { display:grid; grid-template-columns:1fr 1fr; gap:2rem; }
.elig-card { background:var(--white); border-radius:var(--radius-xl); overflow:hidden; box-shadow:var(--shadow); transition:var(--transition); }
.elig-card:hover { box-shadow:var(--shadow-xl); transform:translateY(-4px); }
.elig-card-head { padding:2rem 2.5rem 1.5rem; display:flex; align-items:center; gap:1rem; }
.elig-head-icon { width:54px; height:54px; border-radius:var(--radius); display:flex; align-items:center; justify-content:center; font-size:1.4rem; color:var(--white); }
.elig-card-head h3 { font-size:1.2rem; }
.elig-card-body { padding:0 2.5rem 2.5rem; }
.elig-req { display:flex; align-items:flex-start; gap:1rem; padding:1rem 0; border-bottom:1px solid var(--border); }
.elig-req:last-child { border-bottom:none; }
.req-ico { width:34px; height:34px; background:var(--primary-light); border-radius:var(--radius); display:flex; align-items:center; justify-content:center; color:var(--primary); font-size:0.9rem; flex-shrink:0; }
.req-info strong { display:block; font-size:0.92rem; color:var(--secondary); margin-bottom:2px; }
.req-info span { font-size:0.82rem; color:var(--gray); }

/* ===== FAQ PAGE ===== */
.faq-layout { display:grid; grid-template-columns:1fr 2.2fr; gap:4rem; align-items:start; }
.faq-sidebar-box { position:sticky; top:calc(var(--header-height) + 20px); }
.faq-help-card { background:linear-gradient(135deg,#000000,#1a1a2e); border-radius:var(--radius-xl); padding:2.5rem; color:var(--white); margin-bottom:1.5rem; }
.faq-help-icon { font-size:3rem; display:block; margin-bottom:1.25rem; }
.faq-help-card h3 { color:var(--white); margin-bottom:0.75rem; font-size:1.2rem; }
.faq-help-card p { color:rgba(255,255,255,0.55); font-size:0.88rem; margin-bottom:1.5rem; line-height:1.6; }
.faq-cats { display:flex; flex-direction:column; gap:0.5rem; }
.faq-cat { padding:10px 14px; border-radius:var(--radius); background:rgba(255,255,255,0.07); color:rgba(255,255,255,0.6); font-size:0.88rem; cursor:pointer; transition:var(--transition); border:1px solid transparent; text-align:left; }
.faq-cat:hover, .faq-cat.active { background:rgba(0,150,199,0.18); border-color:rgba(0,150,199,0.35); color:var(--primary); }

.faq-list { display:flex; flex-direction:column; gap:1rem; }
.faq-item { background:var(--white); border:2px solid var(--border); border-radius:var(--radius-lg); overflow:hidden; transition:var(--transition); }
.faq-item.open { border-color:var(--primary); box-shadow:0 0 0 4px rgba(0,150,199,0.08); }
.faq-q { display:flex; justify-content:space-between; align-items:center; gap:1rem; padding:1.25rem 1.5rem; cursor:pointer; font-weight:600; font-size:0.92rem; color:var(--secondary); user-select:none; transition:var(--transition); }
.faq-q:hover { color:var(--primary); }
.faq-toggle { width:30px; height:30px; background:var(--light-gray); border-radius:50%; display:flex; align-items:center; justify-content:center; font-size:1.1rem; flex-shrink:0; transition:var(--transition); color:var(--gray); }
.faq-item.open .faq-toggle { background:var(--primary); color:var(--white); transform:rotate(45deg); }
.faq-a { max-height:0; overflow:hidden; transition:max-height 0.35s ease, padding 0.35s ease; padding:0 1.5rem; }
.faq-item.open .faq-a { max-height:400px; padding:0 1.5rem 1.5rem; }
.faq-a p { color:var(--gray); font-size:0.9rem; line-height:1.75; }

/* ===== CONTACT PAGE ===== */
.contact-layout { display:grid; grid-template-columns:1fr 1.7fr; gap:4rem; align-items:start; }
.contact-cards { display:flex; flex-direction:column; gap:1.25rem; }
.c-card { background:var(--light-gray); border-radius:var(--radius-lg); padding:1.5rem; display:flex; align-items:flex-start; gap:1.25rem; transition:var(--transition); border:1px solid transparent; }
.c-card:hover { border-color:var(--primary); background:var(--primary-light); }
.c-icon { width:48px; height:48px; background:var(--primary); border-radius:var(--radius); display:flex; align-items:center; justify-content:center; font-size:1.2rem; color:var(--white); flex-shrink:0; }
.c-card-body h4 { font-size:0.95rem; margin-bottom:0.35rem; }
.c-card-body p, .c-card-body a { color:var(--gray); font-size:0.87rem; display:block; line-height:1.5; }
.c-card-body a:hover { color:var(--primary); }

.hours-widget { background:linear-gradient(135deg,#000000,#1a1a2e); border-radius:var(--radius-xl); padding:2rem; color:var(--white); }
.hours-widget h4 { color:var(--white); margin-bottom:1.25rem; display:flex; align-items:center; gap:8px; font-size:1rem; }
.hours-row { display:flex; justify-content:space-between; align-items:center; padding:0.6rem 0; border-bottom:1px solid rgba(255,255,255,0.08); font-size:0.87rem; }
.hours-row:last-child { border-bottom:none; }
.hours-row .day { color:rgba(255,255,255,0.55); }
.hours-row .time { color:var(--primary); font-weight:600; }
.hours-row .closed { color:#ef4444; font-weight:600; }

.socials { display:flex; gap:0.75rem; margin-top:1.5rem; }
.soc-link { width:42px; height:42px; background:var(--light-gray); border-radius:var(--radius); display:flex; align-items:center; justify-content:center; font-size:1rem; color:var(--gray); transition:var(--transition); }
.soc-link:hover { background:var(--primary); color:var(--white); transform:translateY(-3px); }

.contact-form-card { background:var(--white); border-radius:var(--radius-xl); padding:2.5rem; box-shadow:var(--shadow-xl); border:1px solid var(--border); }
.contact-form-card h3 { margin-bottom:0.4rem; }
.contact-form-card > p { color:var(--gray); font-size:0.9rem; margin-bottom:2rem; }
.form-row { display:grid; grid-template-columns:1fr 1fr; gap:1.25rem; }
.f-group { display:flex; flex-direction:column; gap:0.4rem; margin-bottom:1.25rem; }
.f-group.span2 { grid-column:1/-1; }
.f-label { font-size:0.87rem; font-weight:600; color:var(--dark-gray); }
.f-label .req { color:#ef4444; margin-left:2px; }
.f-input, .f-select, .f-textarea { padding:12px 15px; border:2px solid var(--border); border-radius:var(--radius); font-size:0.9rem; color:var(--secondary); background:var(--white); transition:var(--transition); width:100%; }
.f-input:focus, .f-select:focus, .f-textarea:focus { border-color:var(--primary); box-shadow:0 0 0 3px rgba(0,150,199,0.1); }
.f-input.err, .f-select.err, .f-textarea.err { border-color:#ef4444; }
.f-textarea { min-height:130px; resize:vertical; }
.f-error { color:#ef4444; font-size:0.78rem; display:none; }
.f-error.show { display:block; }
.form-success-msg { display:none; background:#dcfce7; border:1px solid #86efac; border-radius:var(--radius); padding:1rem 1.25rem; color:#16a34a; font-weight:600; align-items:center; gap:8px; margin-top:1rem; }
.form-success-msg.show { display:flex; }

/* ===== FOOTER ===== */
.footer { background:var(--secondary); color:var(--white); padding:80px 0 0; }
.footer-grid { display:grid; grid-template-columns:2fr 1fr 1fr 1fr; gap:3rem; padding-bottom:3rem; border-bottom:1px solid rgba(255,255,255,0.08); }
.footer-brand .logo { margin-bottom:1.25rem; }
.footer-brand .logo img { filter:brightness(0) invert(1); height:60px; }
.footer-brand p { color:rgba(255,255,255,0.45); font-size:0.87rem; line-height:1.75; margin-bottom:1.5rem; max-width:270px; }
.footer-social { display:flex; gap:0.6rem; }
.f-soc { width:38px; height:38px; background:rgba(255,255,255,0.06); border-radius:var(--radius); display:flex; align-items:center; justify-content:center; font-size:0.95rem; color:rgba(255,255,255,0.45); transition:var(--transition); }
.f-soc:hover { background:var(--primary); color:var(--white); transform:translateY(-3px); }

.footer-col h4 { color:var(--white); font-size:0.95rem; margin-bottom:1.25rem; position:relative; padding-bottom:10px; }
.footer-col h4::after { content:''; position:absolute; bottom:0; left:0; width:28px; height:2px; background:var(--primary); }
.footer-links { display:flex; flex-direction:column; gap:0.55rem; }
.footer-links a { color:rgba(255,255,255,0.45); font-size:0.87rem; transition:var(--transition); }
.footer-links a:hover { color:var(--primary); padding-left:4px; }
.f-contact-item { display:flex; align-items:flex-start; gap:9px; margin-bottom:0.7rem; }
.f-contact-item .ico { color:var(--primary); font-size:0.85rem; margin-top:3px; flex-shrink:0; }
.f-contact-item span { color:rgba(255,255,255,0.45); font-size:0.83rem; line-height:1.5; }

.footer-bottom { display:flex; align-items:center; justify-content:space-between; gap:1rem; flex-wrap:wrap; padding:1.5rem 0; }
.footer-bottom p { color:rgba(255,255,255,0.3); font-size:0.82rem; }
.footer-legal { display:flex; gap:1.5rem; }
.footer-legal a { color:rgba(255,255,255,0.3); font-size:0.82rem; }
.footer-legal a:hover { color:var(--primary); }

/* ===== BACK TO TOP ===== */
.back-to-top { position:fixed; bottom:2rem; right:2rem; width:46px; height:46px; background:var(--primary); color:var(--white); border-radius:50%; display:flex; align-items:center; justify-content:center; font-size:1.2rem; cursor:pointer; box-shadow:0 4px 15px rgba(0,150,199,0.4); transition:var(--transition); opacity:0; visibility:hidden; z-index:998; border:none; }
.back-to-top.visible { opacity:1; visibility:visible; }
.back-to-top:hover { background:var(--primary-dark); transform:translateY(-3px); }

/* ===== REVEAL ANIMATIONS ===== */
.reveal { opacity:0; transform:translateY(28px); transition:opacity 0.6s ease,transform 0.6s ease; }
.reveal.revealed { opacity:1; transform:translateY(0); }
.reveal-left { opacity:0; transform:translateX(-28px); transition:opacity 0.6s ease,transform 0.6s ease; }
.reveal-left.revealed { opacity:1; transform:translateX(0); }
.reveal-right { opacity:0; transform:translateX(28px); transition:opacity 0.6s ease,transform 0.6s ease; }
.reveal-right.revealed { opacity:1; transform:translateX(0); }

/* ===== RESPONSIVE ===== */
@media(max-width:1200px) {
  .features-grid, .loan-cats-grid, .process-timeline, .stats-grid { grid-template-columns:repeat(2,1fr); }
  .values-grid { grid-template-columns:repeat(3,1fr); }
  .footer-grid { grid-template-columns:1fr 1fr; }
  .step-arrow { display:none; }
}
@media(max-width:992px) {
  .why-us-intro { grid-template-columns:1fr; gap:2rem; }
  .why-us-intro-img { height:260px; }
  .image-divider { height:320px; }
  .hero-grid,.about-grid,.loan-product-grid,.how-step-block,.calc-wrapper,.contact-layout,.eligibility-cards,.mv-grid,.faq-layout { grid-template-columns:1fr; gap:2.5rem; }
  .loan-product-grid.flip,.how-step-block.flip { direction:ltr; }
  .hero-visual { order:-1; }
  .loan-cats-grid { grid-template-columns:repeat(2,1fr); }
  .values-grid { grid-template-columns:repeat(2,1fr); }
  .team-grid { grid-template-columns:repeat(2,1fr); }
  .faq-sidebar-box { position:static; }
}
@media(max-width:768px) {
  :root { --header-height:96px; }
  .section-padding { padding:60px 0; }
  .nav-menu { position:fixed; top:var(--header-height); left:0; right:0; background:var(--white); flex-direction:column; padding:1.5rem; gap:0.4rem; border-top:1px solid var(--border); box-shadow:var(--shadow-xl); transform:translateY(calc(-100% - var(--header-height))); transition:transform 0.35s ease; z-index:999; }
  .nav-menu.open { transform:translateY(0); }
  .nav-link { width:100%; padding:12px 16px; }
  .nav-cta { text-align:center; }
  .hamburger { display:flex; }
  .features-grid,.loan-cats-grid,.process-timeline { grid-template-columns:1fr; }
  .stats-grid { grid-template-columns:1fr 1fr; }
  .testimonials-grid,.team-grid { grid-template-columns:1fr; }
  .hero-buttons { flex-direction:column; }
  .hero-buttons .btn { justify-content:center; }
  .values-grid { grid-template-columns:repeat(2,1fr); }
  .loan-benefits { grid-template-columns:1fr; }
  .form-row { grid-template-columns:1fr; }
  .footer-grid { grid-template-columns:1fr; gap:2rem; }
  .footer-bottom { flex-direction:column; text-align:center; }
  .calc-form-side,.calc-result-side { padding:2rem; }
  .result-row { grid-template-columns:1fr; }
}
@media(max-width:480px) {
  .stats-grid,.values-grid { grid-template-columns:1fr; }
  .hero-info-row { grid-template-columns:1fr; }
  .about-mini-stats { grid-template-columns:1fr; }
  .loan-tabs-bar { justify-content:center; }
  .mv-grid { grid-template-columns:1fr; }
  .footer-legal { flex-direction:column; gap:0.5rem; align-items:center; }
}

/* ===== ABOUT – PHOTO INTRO ===== */
.about-photo {
  position:relative; border-radius:var(--radius-xl);
  overflow:hidden; height:510px;
  box-shadow:0 25px 60px rgba(0,0,0,0.18);
}
.about-photo > img { width:100%; height:100%; object-fit:cover; display:block; }
.about-photo-badge {
  position:absolute; top:1.5rem; left:1.5rem;
  background:var(--primary); color:var(--white);
  padding:8px 18px; border-radius:100px;
  font-size:0.82rem; font-weight:700;
  display:flex; align-items:center; gap:8px;
  box-shadow:0 4px 18px rgba(0,150,199,0.45);
}
.about-photo-stats {
  position:absolute; bottom:0; left:0; right:0;
  background:linear-gradient(to top,rgba(0,0,0,0.9) 0%,rgba(0,0,0,0.55) 60%,transparent 100%);
  display:flex; padding:2.25rem 1.75rem 1.75rem;
}
.about-photo-stat { flex:1; text-align:center; padding:0 1rem; border-right:1px solid rgba(255,255,255,0.14); }
.about-photo-stat:last-child { border-right:none; }
.about-photo-stat-num { font-size:1.7rem; font-weight:900; color:var(--white); line-height:1; margin-bottom:4px; }
.about-photo-stat-lbl { font-size:0.75rem; color:rgba(255,255,255,0.55); font-weight:500; }

/* ===== PAGE IMAGE DIVIDER ===== */
.page-img-divider { position:relative; height:480px; overflow:hidden; }
.page-img-divider img { width:100%; height:100%; object-fit:cover; display:block; }
.page-img-divider-overlay {
  position:absolute; inset:0; background:rgba(0,0,0,0.65);
  display:flex; align-items:center; justify-content:center;
  text-align:center; padding:5rem 2rem;
}
.page-img-divider-inner { max-width:640px; }
.page-img-divider-inner h2 { color:var(--white); margin-bottom:0.85rem; }
.page-img-divider-inner p { color:rgba(255,255,255,0.72); font-size:1rem; margin-bottom:1.75rem; }

/* ===== MISSION / VISION V2 ===== */
.mv-card-v2 {
  border-radius:var(--radius-xl); padding:2.75rem;
  position:relative; overflow:hidden;
}
.mv-card-v2-dark { background:linear-gradient(135deg,#070715 0%,#111827 100%); }
.mv-card-v2-blue { background:linear-gradient(135deg,var(--primary) 0%,#0047cc 100%); }
.mv-card-v2::before { content:''; position:absolute; top:-40px; right:-40px; width:160px; height:160px; border-radius:50%; background:rgba(255,255,255,0.04); }
.mv-card-v2::after { content:''; position:absolute; bottom:-20px; left:-20px; width:100px; height:100px; border-radius:50%; background:rgba(255,255,255,0.03); }
.mv-icon-circle { width:64px; height:64px; border-radius:50%; background:rgba(255,255,255,0.12); display:flex; align-items:center; justify-content:center; font-size:1.75rem; color:var(--white); margin-bottom:1.5rem; position:relative; z-index:1; }
.mv-card-v2 h3 { color:var(--white); font-size:1.5rem; margin-bottom:1rem; position:relative; z-index:1; }
.mv-card-v2 p { color:rgba(255,255,255,0.72); font-size:0.95rem; line-height:1.8; position:relative; z-index:1; }

/* ===== VALUE CARDS V2 ===== */
.value-card-v2 { background:var(--white); border-radius:var(--radius-lg); overflow:hidden; border:1px solid var(--border); transition:var(--transition); }
.value-card-v2:hover { box-shadow:var(--shadow-xl); transform:translateY(-6px); border-color:var(--primary); }
.value-card-v2-top { height:5px; background:linear-gradient(90deg,var(--primary),#0077ff); }
.value-card-v2-body { padding:1.75rem 1.5rem; text-align:center; }
.value-icon-circle { width:58px; height:58px; border-radius:50%; background:var(--primary-light); color:var(--primary); display:flex; align-items:center; justify-content:center; font-size:1.35rem; margin:0 auto 1.25rem; transition:var(--transition); }
.value-card-v2:hover .value-icon-circle { background:var(--primary); color:var(--white); }
.value-card-v2 h4 { font-size:1rem; margin-bottom:0.5rem; }
.value-card-v2 p { font-size:0.82rem; }

/* ===== TEAM CARDS V2 ===== */
.team-card-v2 { background:var(--white); border-radius:var(--radius-xl); overflow:hidden; border:1px solid var(--border); transition:var(--transition); box-shadow:var(--shadow); }
.team-card-v2:hover { box-shadow:var(--shadow-xl); transform:translateY(-6px); }
.team-photo-area { height:300px; position:relative; overflow:hidden; display:flex; align-items:center; justify-content:center; }
.team-photo-area::after { content:''; position:absolute; bottom:-30px; right:-30px; width:120px; height:120px; border-radius:50%; background:rgba(255,255,255,0.07); }
.team-initials { width:88px; height:88px; border-radius:50%; display:flex; align-items:center; justify-content:center; font-size:2rem; font-weight:800; color:var(--white); position:relative; z-index:1; box-shadow:0 8px 24px rgba(0,0,0,0.3); }
.team-card-v2-body { padding:1.75rem; text-align:center; border-top:1px solid var(--border); }
.team-card-v2-body h4 { font-size:1.1rem; margin-bottom:6px; }
.team-role-badge { display:inline-block; background:var(--primary-light); color:var(--primary); padding:4px 14px; border-radius:100px; font-size:0.75rem; font-weight:700; margin-bottom:0.75rem; text-transform:uppercase; letter-spacing:0.05em; }
.team-card-v2-body p { font-size:0.85rem; line-height:1.7; }

/* ===== TEAM PORTRAIT IMAGE ===== */
.team-portrait { width:100%; height:100%; object-fit:cover; object-position:top center; display:block; }

/* ===== COMMITMENT GRID (about page) ===== */
.commitment-grid .feature-card { border-color:var(--border); }
.commitment-grid .feature-card::before { display:none; }
.commitment-grid .feature-card:hover { border-color:var(--border); box-shadow:var(--shadow-xl); transform:translateY(-5px); }

/* ===== REPAYMENT CARDS (how-it-works page) ===== */
.repayment-grid .feature-card { border-color:var(--border); }
.repayment-grid .feature-card:hover::before { display:none; }
.repayment-grid .feature-card:hover { border-color:var(--border); }

/* ===== LOAN IMAGE PANELS ===== */
.loan-img-panel { border-radius:var(--radius-xl); overflow:hidden; position:relative; min-height:460px; box-shadow:var(--shadow-xl); }
.loan-img-panel > img { width:100%; height:100%; object-fit:cover; position:absolute; inset:0; display:block; }
.loan-img-overlay { position:absolute; inset:0; }
.loan-overlay-blue { background:linear-gradient(155deg,rgba(0,100,220,0.82) 0%,rgba(0,150,199,0.75) 100%); }
.loan-overlay-dark { background:linear-gradient(155deg,rgba(5,5,20,0.88) 0%,rgba(0,50,130,0.72) 100%); }
.loan-overlay-teal { background:linear-gradient(155deg,rgba(4,108,78,0.88) 0%,rgba(0,150,199,0.72) 100%); }
.loan-overlay-red { background:linear-gradient(155deg,rgba(180,20,20,0.88) 0%,rgba(140,0,70,0.75) 100%); }
.loan-img-panel-inner { position:relative; z-index:1; height:100%; min-height:460px; display:flex; flex-direction:column; justify-content:flex-end; padding:2.25rem; }
.loan-img-panel-title { font-size:1.45rem; font-weight:800; color:var(--white); margin-bottom:1.25rem; display:flex; align-items:center; gap:10px; }
.loan-img-feat-list { display:flex; flex-direction:column; gap:0.6rem; }
.loan-img-feat-item { display:flex; align-items:center; gap:10px; background:rgba(255,255,255,0.1); border-radius:var(--radius); padding:10px 14px; backdrop-filter:blur(4px); border:1px solid rgba(255,255,255,0.12); }
.loan-img-feat-item i { color:rgba(255,255,255,0.8); font-size:0.82rem; flex-shrink:0; width:14px; }
.loan-img-feat-item span { font-size:0.87rem; color:rgba(255,255,255,0.9); font-weight:500; }

/* ===== HOW-IT-WORKS IMAGE PANELS ===== */
.step-img-frame { border-radius:var(--radius-xl); overflow:hidden; position:relative; min-height:400px; box-shadow:var(--shadow-xl); }
.step-img-frame > img { width:100%; height:100%; object-fit:cover; position:absolute; inset:0; display:block; }
.step-img-dim { position:absolute; inset:0; background:rgba(0,0,0,0.52); }
.step-img-num-bg { position:absolute; top:50%; left:50%; transform:translate(-50%,-50%); font-size:9rem; font-weight:900; color:rgba(255,255,255,0.05); line-height:1; user-select:none; pointer-events:none; }
.step-num-circle { position:absolute; top:1.5rem; left:1.5rem; width:52px; height:52px; background:var(--primary); border-radius:50%; display:flex; align-items:center; justify-content:center; font-size:1.3rem; font-weight:900; color:var(--white); box-shadow:0 4px 18px rgba(0,150,199,0.55); }
.step-img-bottom { position:absolute; bottom:1.5rem; left:1.5rem; right:1.5rem; background:rgba(255,255,255,0.1); backdrop-filter:blur(12px); border:1px solid rgba(255,255,255,0.18); border-radius:var(--radius-lg); padding:1rem 1.25rem; display:flex; align-items:center; gap:12px; }
.step-img-ico { width:44px; height:44px; background:var(--primary); border-radius:var(--radius); display:flex; align-items:center; justify-content:center; font-size:1.1rem; color:var(--white); flex-shrink:0; }
.step-img-txt strong { display:block; font-size:0.92rem; color:var(--white); margin-bottom:2px; }
.step-img-txt span { font-size:0.78rem; color:rgba(255,255,255,0.65); }

/* ===== FAQ ADVISOR CARD ===== */
.faq-advisor-card {
  background: var(--white);
  border: 1.5px solid rgba(0,150,199,0.35);
  border-radius: var(--radius-xl);
  padding: 2rem 2rem 2.25rem;
  margin-bottom: 1.5rem;
  text-align: center;
}
.faq-advisor-icon {
  width: 62px; height: 62px;
  background: var(--primary);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.6rem; color: var(--white);
  margin: 0 auto 1.25rem;
}
.faq-advisor-card h4 { color: var(--dark); font-size: 1.1rem; font-weight: 700; margin-bottom: 0.5rem; }
.faq-advisor-card p  { color: var(--gray); font-size: 0.85rem; line-height: 1.6; margin: 0; }

/* ===== TRUST STRIP ===== */
.trust-strip { background:var(--white); padding:48px 0; border-top:1px solid var(--border); border-bottom:1px solid var(--border); }
.trust-strip-inner { display:flex; align-items:center; justify-content:center; gap:3rem; flex-wrap:wrap; }
.trust-badge { display:flex; align-items:center; gap:12px; }
.trust-badge-icon { width:48px; height:48px; background:var(--primary-light); border-radius:var(--radius); display:flex; align-items:center; justify-content:center; color:var(--primary); font-size:1.2rem; }
.trust-badge-text strong { display:block; font-size:0.88rem; color:var(--secondary); font-weight:700; }
.trust-badge-text span { font-size:0.78rem; color:var(--gray); }

/* ===== RESPONSIVE – new components ===== */
@media(max-width:992px) {
  .about-photo { height:380px; }
  .loan-img-panel,.loan-img-panel-inner { min-height:360px; }
  .step-img-frame { min-height:300px; }
  .page-img-divider { height:380px; }
}
@media(max-width:768px) {
  .about-photo { height:300px; }
  .page-img-divider { height:300px; }
  .trust-strip-inner { gap:1.5rem; }
  .loan-img-panel,.loan-img-panel-inner { min-height:280px; }
  .step-img-frame { min-height:240px; }
  .step-img-num-bg { font-size:6rem; }
  .values-grid { grid-template-columns:repeat(2,1fr); }
}