/* ============================================================
   VARAGAN FINANCE PVT LTD — Design System
   Navy · Gold · White · Premium Financial
   ============================================================ */

@import url('https://fonts.googleapis.com/css2?family=Playfair+Display:wght@700;800;900&family=Plus+Jakarta+Sans:wght@300;400;500;600;700;800&display=swap');

:root {
  /* Premium Elite Palette */
  --obsidian:  #020617; /* Deepest Midnight */
  --navy:      #051124; /* Rich Navy */
  --navy-glow: rgba(11, 36, 71, 0.5);
  --gold:      #B8860B; /* Deep Gold */
  --gold-luxe: #D4AF37; /* Metallic Gold */
  --gold-glow: rgba(212, 175, 55, 0.3);
  --champagne: #FDFCF0; /* Off-white luxury accent */
  --white:     #ffffff;
  --off:       #F8FAFC;
  --gray:      #94A3B8;
  --light:     #E2E8F0;
  --dark:      #0F172A;

  /* Advanced Glassmorphism */
  --glass-bg: rgba(255, 255, 255, 0.03);
  --glass-border: rgba(255, 255, 255, 0.1);
  --glass-shadow: 0 20px 50px rgba(0, 0, 0, 0.3);
  --glass-glow: inset 0 0 20px rgba(255, 255, 255, 0.05);

  /* Typography */
  --font-display: 'Playfair Display', serif;
  --font-body:    'Plus Jakarta Sans', sans-serif;

  /* Layout */
  --radius:    16px;
  --radius-lg: 32px;
  --trans:     all 0.5s cubic-bezier(0.23, 1, 0.32, 1);
}

*, *::before, *::after { margin:0;padding:0;box-sizing:border-box; }
html { scroll-behavior:smooth; }
body {
  font-family: var(--font-body);
  background: var(--white);
  color: var(--dark);
  line-height: 1.7;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}
a { text-decoration:none;color:inherit;cursor:pointer; }
img { max-width:100%;display:block;height:auto; }
::-webkit-scrollbar { width:8px; }
::-webkit-scrollbar-track { background:var(--off); }
::-webkit-scrollbar-thumb { background:var(--navy3);border-radius:10px;border:2px solid var(--off); }

/* ── Utility Classes ────────────────────────────────────── */
.glass {
  background: var(--glass-bg);
  backdrop-filter: blur(24px);
  -webkit-backdrop-filter: blur(24px);
  border: 1px solid var(--glass-border);
  box-shadow: var(--glass-shadow);
  box-shadow: var(--glass-glow);
}

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

.luxe-card {
  background: rgba(255, 255, 255, 0.02);
  border: 1px solid rgba(212, 175, 55, 0.1);
  border-radius: var(--radius-lg);
  padding: 2.5rem;
  transition: var(--trans);
  position: relative;
  overflow: hidden;
}
.luxe-card:hover {
  background: rgba(255, 255, 255, 0.05);
  border-color: rgba(212, 175, 55, 0.3);
  transform: translateY(-10px) scale(1.02);
  box-shadow: 0 30px 60px rgba(0,0,0,0.4), 0 0 40px rgba(212,175,55,0.1);
}

/* ── Trust Bar ──────────────────────────────────────────── */
.trust-bar {
  background: var(--navy);
  padding:.6rem 0;
}
.trust-container {
  max-width:1280px;margin:0 auto;padding:0 1.5rem;
  display:flex;gap:2rem;justify-content:center;flex-wrap:wrap;
}
.trust-container span {
  color:rgba(255,255,255,.85);font-size:.78rem;font-weight:500;
  display:flex;align-items:center;gap:.4rem;
}
.trust-container i { color:var(--gold2); }

/* ── Navbar ──────────────────────────────────────────────── */
.navbar {
  position:fixed;top:0;left:0;width:100%;
  background:rgba(255,255,255,0.97);
  backdrop-filter:blur(16px);
  border-bottom:1px solid rgba(11,36,71,.08);
  z-index:1000;
  transition:var(--trans);
  margin-top:36px;
}
.navbar.scrolled { margin-top:0;box-shadow:var(--shadow); }

.nav-container {
  max-width:1280px;margin:0 auto;padding:0 1.5rem;
  display:flex;align-items:center;justify-content:space-between;
  height:68px;
}

.nav-logo {
  display:flex;align-items:center;gap:.7rem;text-decoration:none;
}
.logo-mark {
  width:42px;height:42px;border-radius:10px;
  background:linear-gradient(135deg,var(--gold-luxe),var(--gold));
  color:var(--obsidian);font-family:var(--font-display);
  font-size:1.1rem;font-weight:900;
  display:flex;align-items:center;justify-content:center;
  letter-spacing:-.5px;
  box-shadow:0 10px 25px rgba(184,134,11,.4);
}
.logo-text { display:flex;flex-direction:column; }
.logo-main { font-size:.95rem;font-weight:800;color:var(--obsidian);line-height:1.2;letter-spacing:0.5px; }
.logo-sub  { font-size:.68rem;color:var(--gray);font-weight:600;text-transform:uppercase;letter-spacing:1px; }

.nav-links {
  display:flex;list-style:none;gap:.5rem;
}
.nav-link {
  font-size:.875rem;font-weight:600;color:rgba(2,6,23,.6);
  padding:.6rem 1rem;border-radius:10px;
  transition:var(--trans);white-space:nowrap;
}
.nav-link:hover,.nav-link.active {
  color:var(--obsidian);background:rgba(184,134,11,.08);
}
.nav-link.active { color:var(--obsidian); }

.nav-actions { display:flex;align-items:center;gap:1.5rem; }
.btn-apply {
  background:var(--obsidian);color:#fff;
  padding:.75rem 1.6rem;border-radius:12px;
  font-size:.875rem;font-weight:700;
  transition:var(--trans);
  box-shadow: 0 10px 20px rgba(2,6,23,0.15);
}
.btn-apply:hover { background:var(--gold-luxe);color:var(--obsidian);transform:translateY(-2px);box-shadow:0 15px 30px rgba(184,134,11,.3); }

.hamburger {
  display:none;background:none;border:1.5px solid var(--light);
  width:40px;height:40px;border-radius:8px;
  color:var(--navy);font-size:1rem;cursor:pointer;
  align-items:center;justify-content:center;
  transition:var(--trans);
}
.hamburger:hover { background:var(--navy);color:#fff;border-color:var(--navy); }

/* ── Hero ────────────────────────────────────────────────── */
.hero {
  min-height:100vh;
  background: var(--obsidian);
  background-image: 
    url('assets/premium_hero.png'),
    radial-gradient(at 0% 0%, hsla(215, 80%, 15%, 0.8) 0, transparent 60%);
  background-size: cover;
  background-position: center;
  background-blend-mode: overlay;
  position:relative;overflow:hidden;
  display:flex;align-items:center;
  padding:10rem 0 6rem;
}
.hero::after {
  content:'';position:absolute;inset:0;
  background: linear-gradient(to bottom, transparent 60%, var(--obsidian) 100%);
  pointer-events:none;
}
.hero-container {
  max-width:1440px;margin:0 auto;padding:0 3rem;
  display:grid;grid-template-columns:1.2fr 0.8fr;gap:6rem;align-items:center;
  width:100%;position:relative;z-index:2;
}

.hero-content {
  animation: fade-up 1s cubic-bezier(0.16, 1, 0.3, 1);
}

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

.hero-badge {
  display:inline-flex;align-items:center;gap:.5rem;
  background:rgba(212,160,23,.15);border:1px solid rgba(212,160,23,.3);
  color:var(--gold2);font-size:.8rem;font-weight:600;
  padding:.45rem 1rem;border-radius:50px;margin-bottom:1.5rem;
  letter-spacing:.03em;
}
.badge-dot { width:7px;height:7px;border-radius:50%;background:var(--gold2);animation:pulse 2s ease-in-out infinite; }
@keyframes pulse { 0%,100%{opacity:1;transform:scale(1)}50%{opacity:.5;transform:scale(1.3)} }

.hero-title {
  font-family:var(--font-display);
  font-size:clamp(2.4rem,5vw,4rem);
  font-weight:900;
  color:#ffffff;
  line-height:1.1;
  letter-spacing:-.02em;
  margin-bottom:1.5rem;
}
.title-accent { color:var(--gold2); }
.hero-desc { color:rgba(255,255,255,.75);font-size:1.05rem;max-width:520px;margin-bottom:2.5rem;line-height:1.8; }

.hero-cta { display:flex;gap:1rem;flex-wrap:wrap;margin-bottom:3rem; }
.btn-primary-lg {
  display:inline-flex;align-items:center;gap:.7rem;
  background:linear-gradient(135deg,var(--gold-luxe),var(--gold));
  color:var(--obsidian);
  padding:.95rem 2.2rem;border-radius:var(--radius);
  font-size:1rem;font-weight:800;
  transition:var(--trans);
  box-shadow:0 10px 30px rgba(184,134,11,.3);
  text-transform:uppercase;letter-spacing:1px;
}
.btn-primary-lg:hover { transform:translateY(-3px);box-shadow:0 15px 40px rgba(184,134,11,.5); }
.btn-outline-lg {
  display:inline-flex;align-items:center;gap:.7rem;
  background:rgba(255,255,255,.05);
  border:1.5px solid rgba(255,255,255,.2);
  color:#fff;
  padding:.93rem 2.2rem;border-radius:var(--radius);
  font-size:1rem;font-weight:700;
  transition:var(--trans);
  backdrop-filter:blur(10px);
}
.btn-outline-lg:hover { background:rgba(255,255,255,.1);border-color:rgba(255,255,255,.4);transform:translateY(-2px); }

.hero-stats {
  display:flex;align-items:center;gap:2rem;flex-wrap:wrap;
}
.stat-div { width:1px;height:40px;background:rgba(255,255,255,.2); }
.stat-num { font-family:var(--font-display);font-size:1.6rem;font-weight:800;color:#fff;line-height:1.1; }
.stat-lbl { font-size:.75rem;color:rgba(255,255,255,.6);font-weight:500;margin-top:.2rem; }

/* Quick Apply Card - Premium Enhancements */
.quick-apply-card {
  background: var(--glass-bg);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  border: 1px solid var(--glass-border);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  overflow:hidden;
  animation: fade-up 1s cubic-bezier(0.16, 1, 0.3, 1) 0.2s backwards;
}
.card-header {
  background:linear-gradient(135deg,var(--navy),var(--navy2));
  padding:1.5rem 2rem;
}
.card-header h3 { color:#fff;font-size:1.2rem;font-weight:700;margin-bottom:.3rem; }
.card-header p  { color:rgba(255,255,255,.7);font-size:.85rem; }

.quick-form { padding:1.8rem 2rem; }
.form-row { margin-bottom:1.2rem; }
.form-row label { display:block;font-size:.8rem;font-weight:600;color:var(--navy);margin-bottom:.45rem;text-transform:uppercase;letter-spacing:.05em; }
.form-row select,.form-row input[type="tel"] {
  width:100%;padding:.8rem 1rem;
  border:1.5px solid var(--light);border-radius:var(--radius);
  font-family:var(--font-body);font-size:.9rem;color:var(--dark);
  background:#fff;
  transition:var(--trans);
  -webkit-appearance:none;
  appearance:none;
}
.form-row select:focus,.form-row input:focus { outline:none;border-color:var(--navy);box-shadow:0 0 0 3px rgba(11,36,71,.08); }
.amount-input { display:flex;align-items:center;gap:.5rem;border:1.5px solid var(--light);border-radius:var(--radius);padding:.8rem 1rem;transition:var(--trans); }
.amount-input:focus-within { border-color:var(--navy);box-shadow:0 0 0 3px rgba(11,36,71,.08); }
.rupee { font-weight:600;color:var(--gray); }
.amount-input input { border:none;outline:none;width:100%;font-size:.9rem;font-family:var(--font-body);color:var(--dark); }
.btn-check {
  width:100%;padding:1rem;
  background: linear-gradient(135deg, var(--navy), var(--navy2));
  color:#fff;border:none;border-radius:var(--radius);
  font-family:var(--font-body);font-size:.95rem;font-weight:700;
  cursor:pointer;transition:var(--trans);
  display:flex;align-items:center;justify-content:center;gap:.7rem;
  box-shadow: 0 4px 15px rgba(11, 36, 71, 0.2);
}
.btn-check:hover { transform:translateY(-2px);box-shadow:0 8px 25px rgba(11,36,71,0.3); }
.eligibility-result {
  margin-top:1rem;padding:1rem;border-radius:var(--radius);
  font-size:.88rem;font-weight:600;text-align:center;
}
.eligible   { background:#f0fdf4;color:var(--green);border:1px solid #bbf7d0; }
.ineligible { background:#fff1f2;color:var(--red);border:1px solid #fecdd3; }

/* ── Container & Sections ────────────────────────────────── */
.container { max-width:1280px;margin:0 auto;padding:0 1.5rem; }

.section-tag {
  display:inline-block;
  background:rgba(184,134,11,.1);color:var(--gold-luxe);
  font-size:.8rem;font-weight:800;
  padding:.4rem 1.2rem;border-radius:50px;
  text-transform:uppercase;letter-spacing:.15em;
  margin-bottom:1.2rem;
  border:1px solid rgba(184,134,11,.2);
}
.section-title {
  font-family:var(--font-display);
  font-size:clamp(2.2rem,4.5vw,3.5rem);
  font-weight:900;color:var(--obsidian);
  letter-spacing:-.03em;line-height:1.1;
  margin-bottom:1.5rem;
}
.section-desc { color:var(--gray);font-size:1.1rem;max-width:600px;line-height:1.9; }
.section-header { margin-bottom:3.5rem; }
.section-header.text-center,.section-header[style*="center"] {
  display:flex;flex-direction:column;align-items:center;
}
.section-header[style*="center"] .section-desc { text-align:center; }

/* ── Loan Cards ──────────────────────────────────────────── */
.loans-section { padding:6rem 0;background:var(--off); }
.loans-grid {
  display:grid;grid-template-columns:repeat(3,1fr);gap:1.5rem;
}
.loan-card {
  background:#fff;border:1px solid var(--light);
  border-radius:var(--radius-lg);padding:3rem 2.5rem;
  position:relative;overflow:hidden;
  transition:var(--trans);
  display:block;
  box-shadow: 0 10px 30px rgba(2,6,23,0.03);
}
.loan-card::before {
  content:'';position:absolute;top:0;left:0;right:0;height:4px;
  background:linear-gradient(90deg,var(--gold-luxe),var(--gold));
  transform:scaleX(0);transform-origin:left;
  transition:transform .5s cubic-bezier(0.23, 1, 0.32, 1);
}
.loan-card:hover { transform:translateY(-12px);box-shadow:0 40px 80px rgba(2,6,23,0.1);border-color:transparent; }
.loan-card:hover::before { transform:scaleX(1); }

.loan-icon { width:64px;height:64px;border-radius:16px;display:flex;align-items:center;justify-content:center;margin-bottom:1.5rem;font-size:1.6rem;transition:var(--trans); }
.loan-card:hover .loan-icon { transform:scale(1.1) rotate(5deg); }
.loan-card h3 { font-size:1.3rem;font-weight:800;color:var(--obsidian);margin-bottom:.8rem; }
.loan-card p  { font-size:.95rem;color:var(--gray);line-height:1.8;margin-bottom:1.5rem; }
.loan-meta { display:flex;gap:1.5rem;flex-wrap:wrap;margin-bottom:1.5rem; }
.loan-meta span { font-size:.85rem;color:var(--gray);font-weight:600;display:flex;align-items:center;gap:.4rem; }
.loan-meta i { color:var(--gold-luxe); }
.loan-limit { font-size:.9rem;font-weight:800;color:var(--gold);padding:.4rem 1rem;background:rgba(184,134,11,0.08);border-radius:8px;display:inline-block; }
.loan-arrow { position:absolute;bottom:2.5rem;right:2.5rem;width:40px;height:40px;border-radius:50%;background:var(--obsidian);color:#fff;display:flex;align-items:center;justify-content:center;font-size:.9rem;opacity:0;transform:scale(.8);transition:var(--trans); }
.loan-card:hover .loan-arrow { opacity:1;transform:scale(1);background:var(--gold-luxe);color:var(--obsidian); }

/* ── Why Section ─────────────────────────────────────────── */
.why-section { padding:8rem 0;background:var(--off); }
.why-inner { display:grid;grid-template-columns:1fr 1fr;gap:6rem;align-items:center; }
.why-list { display:flex;flex-direction:column;gap:2rem; }
.why-item { display:flex;gap:1.5rem;align-items:flex-start; }
.why-icon { width:48px;height:48px;border-radius:14px;background:var(--obsidian);color:var(--gold-luxe);display:flex;align-items:center;justify-content:center;font-size:1.1rem;flex-shrink:0;box-shadow:0 8px 16px rgba(2,6,23,0.1); }
.why-item h4 { font-size:1.1rem;font-weight:800;color:var(--obsidian);margin-bottom:.4rem; }
.why-item p  { font-size:.95rem;color:var(--gray);line-height:1.8; }

.why-card-stack { position:relative;height:460px; }
.trust-card {
  position:absolute;background:#fff;
  border:1px solid var(--light);border-radius:var(--radius-lg);
  padding:1.8rem;display:flex;align-items:center;gap:1.2rem;
  box-shadow:0 15px 40px rgba(0,0,0,0.05);min-width:260px;
  transition:var(--trans);
}
.trust-card:hover { transform:translateY(-5px) scale(1.05);box-shadow:0 30px 60px rgba(2,6,23,0.1);z-index:10; }
.tc1 { top:0;left:0; }
.tc2 { top:40px;right:-20px; }
.tc3 { top:180px;left:40px; }
.tc4 { bottom:20px;right:20px; }
.tc-icon { width:52px;height:52px;border-radius:14px;background:linear-gradient(135deg,var(--gold-luxe),var(--gold));color:var(--obsidian);display:flex;align-items:center;justify-content:center;font-size:1.3rem;flex-shrink:0; }
.tc-num { font-family:var(--font-display);font-size:1.8rem;font-weight:900;color:var(--obsidian);line-height:1.1; }
.tc-lbl { font-size:.85rem;color:var(--gray);font-weight:600; }

/* ── Process Section ─────────────────────────────────────── */
.process-section { padding:8rem 0;background:var(--obsidian);position:relative;overflow:hidden; }
.process-section::before {
  content:'';position:absolute;inset:0;
  background-image:linear-gradient(rgba(212,175,55,.05) 1px,transparent 1px),
                   linear-gradient(90deg,rgba(212,175,55,.05) 1px,transparent 1px);
  background-size:80px 80px;
}
.process-section::after {
  content:'';position:absolute;top:-10%;right:-10%;width:40%;height:60%;
  background:radial-gradient(circle, rgba(184,134,11,0.08) 0%, transparent 70%);
  pointer-events:none;
}
.steps-grid { display:flex;align-items:flex-start;justify-content:center;gap:1rem;position:relative;z-index:1;flex-wrap:wrap; }
.step { background:rgba(255,255,255,0.02);border:1px solid rgba(255,255,255,0.05);border-radius:var(--radius-lg);padding:3rem 2rem;flex:1;min-width:240px;max-width:300px;text-align:center;transition:var(--trans);backdrop-filter:blur(10px); }
.step:hover { background:rgba(255,255,255,0.05);transform:translateY(-8px);border-color:rgba(184,134,11,0.2); }
.step-num { font-family:var(--font-display);font-size:3rem;font-weight:900;color:rgba(212,175,55,0.15);line-height:1;margin-bottom:1.5rem; }
.step-icon { width:64px;height:64px;border-radius:50%;background:linear-gradient(135deg,var(--gold-luxe),var(--gold));color:var(--obsidian);font-size:1.5rem;display:flex;align-items:center;justify-content:center;margin:0 auto 1.5rem;box-shadow:0 10px 20px rgba(184,134,11,0.2); }
.step h3 { font-size:1.1rem;font-weight:800;color:#fff;margin-bottom:.8rem; }
.step p  { font-size:.9rem;color:rgba(255,255,255,.6);line-height:1.8; }
.step-arrow { color:rgba(212,175,55,0.2);font-size:1.5rem;padding-top:5rem;flex-shrink:0; }
@media(max-width:900px) { .step-arrow{display:none;} }

/* ── EMI Calculator ──────────────────────────────────────── */
.calc-section { padding:6rem 0;background:var(--off); }
.calc-inner { display:grid;grid-template-columns:1fr 1.2fr;gap:5rem;align-items:center; }
.calc-info .section-title { color:var(--navy); }
.calc-info p { color:var(--gray);line-height:1.8;margin-top:.5rem; }
.calc-info .btn-outline-lg { border-color:var(--navy);color:var(--navy);background:transparent; }
.calc-info .btn-outline-lg:hover { background:var(--navy);color:#fff; }

.calc-widget { 
  background:#fff;border-radius:var(--radius-lg);padding:2.5rem;box-shadow:var(--shadow-lg);border:1px solid var(--light);
  display:grid;grid-template-columns:1fr 0.8fr 1.2fr;gap:2rem;align-items:center;
}
.calc-inputs { display:flex;flex-direction:column;gap:1.5rem; }
.calc-row label { display:block;font-size:.8rem;font-weight:600;color:var(--navy);margin-bottom:.7rem;text-transform:uppercase;letter-spacing:.05em; }
.calc-input-wrap { display:flex;align-items:center;gap:.8rem; }
.calc-input-wrap span { color:var(--gray);font-size:.9rem;width:20px;flex-shrink:0; }
.calc-input-wrap input[type="range"] { flex:1;  -webkit-appearance:none;
  appearance:none;height:6px;background:var(--light);border-radius:3px;outline:none; }
.calc-input-wrap input[type="range"]::-webkit-slider-thumb {   -webkit-appearance:none;
  appearance:none;width:20px;height:20px;border-radius:50%;background:var(--navy);cursor:pointer;border:3px solid #fff;box-shadow:0 2px 8px rgba(11,36,71,.3); }
.calc-val { font-size:1rem;font-weight:800;color:var(--obsidian);min-width:100px;text-align:right; }

.calc-chart-container {
  display:flex;flex-direction:column;align-items:center;gap:1.5rem;
}
.circular-chart { display:block;margin:0 auto;max-width:140px; }
.circle-bg { fill:none;stroke:#eee;stroke-width:3.8; }
.circle { fill:none;stroke-width:4.2;stroke-linecap:round;stroke:var(--gold2);transition:stroke-dasharray .4s ease; }
.percentage { font-family:var(--font-body);font-size:7px;font-weight:700;fill:var(--navy);text-anchor:middle; }
.chart-legend { display:flex;gap:1rem;font-size:0.75rem;font-weight:600;color:var(--gray); }
.legend-item { display:flex;align-items:center;gap:.4rem; }
.dot { width:8px;height:8px;border-radius:2px; }
.dot.p { background:#eee; }
.dot.i { background:var(--gold2); }

.calc-results { 
  border-left:1px solid var(--light);padding-left:2.5rem;
}
.result-item { margin-bottom:1rem; }
.result-item.highlight { background:linear-gradient(135deg,var(--navy),var(--navy2));border-radius:var(--radius);padding:1.2rem 1.5rem;margin-bottom:1.2rem; }
.result-item.highlight .result-label { color:rgba(255,255,255,.7); }
.result-item.highlight .result-value { color:#fff; }
.result-label { font-size:.78rem;font-weight:600;color:var(--gray);text-transform:uppercase;letter-spacing:.06em;margin-bottom:.3rem; }
.result-value { font-family:var(--font-display);font-size:2rem;font-weight:800;color:var(--navy); }
.result-value.sm { font-size:1.3rem; }
.result-divider { height:1px;background:var(--light);margin:1rem 0; }
.calc-results .btn-primary-lg { font-size:.88rem;padding:.8rem 1.5rem; }

/* ── Testimonials ────────────────────────────────────────── */
.testimonials-section { padding:6rem 0;background:#fff; }
.testimonials-grid { display:grid;grid-template-columns:repeat(3,1fr);gap:2rem; }
.testi-card {
  background:var(--off);border:1px solid var(--light);
  border-radius:var(--radius-lg);padding:2rem;
  transition:var(--trans);position:relative;
}
.testi-card:hover { box-shadow:var(--shadow);transform:translateY(-3px);background:#fff; }
.testi-stars { color:var(--gold);font-size:1.1rem;letter-spacing:2px;margin-bottom:1.2rem; }
.testi-card > p { font-size:.9rem;color:var(--gray);line-height:1.8;margin-bottom:1.5rem;font-style:italic; }
.testi-author { display:flex;align-items:center;gap:.8rem; }
.testi-avatar { width:42px;height:42px;border-radius:50%;background:linear-gradient(135deg,var(--navy),var(--navy2));color:#fff;font-size:.85rem;font-weight:700;display:flex;align-items:center;justify-content:center;flex-shrink:0; }
.testi-name { font-size:.9rem;font-weight:700;color:var(--navy); }
.testi-role { font-size:.78rem;color:var(--gray); }

/* ── FAQ ─────────────────────────────────────────────────── */
.faq-section { padding:6rem 0;background:var(--off); }
.faq-inner { display:grid;grid-template-columns:0.6fr 1fr;gap:5rem;align-items:start; }
.btn-whatsapp {
  background:#25D366;color:#fff;
  padding:.8rem 1.6rem;border-radius:var(--radius);
  font-size:.88rem;font-weight:600;
  transition:var(--trans);
}
.btn-whatsapp:hover { background:#128C7E;transform:translateY(-1px); }
.faq-list { display:flex;flex-direction:column;gap:.6rem; }
.faq-item { background:#fff;border:1px solid var(--light);border-radius:var(--radius);overflow:hidden;transition:var(--trans); }
.faq-item:hover { border-color:var(--navy); }
.faq-q {
  width:100%;text-align:left;background:none;border:none;
  padding:1.1rem 1.4rem;font-family:var(--font-body);
  font-size:.9rem;font-weight:600;color:var(--navy);
  cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:1rem;
  transition:var(--trans);
}
.faq-q i { color:var(--gray);font-size:.8rem;flex-shrink:0;transition:var(--trans); }
.faq-q.open { background:var(--navy);color:#fff; }
.faq-q.open i { color:rgba(255,255,255,.7);transform:rotate(45deg); }
.faq-a { display:none;padding:0 1.4rem 1.2rem;font-size:.875rem;color:var(--gray);line-height:1.75; }
.faq-a.show { display:block; }

/* ── CTA Section ─────────────────────────────────────────── */
.cta-section { padding:5rem 0;background:linear-gradient(135deg,var(--obsidian) 0%,var(--navy) 100%);position:relative;overflow:hidden; }
.cta-section::after {
  content:'';position:absolute;top:-50%;left:-10%;width:80%;height:200%;
  background:radial-gradient(ellipse at center, rgba(184,134,11,0.1) 0%, transparent 70%);
  transform:rotate(-15deg);pointer-events:none;
}
.cta-inner {
  display:flex;align-items:center;justify-content:space-between;
  flex-wrap:wrap;gap:3rem;position:relative;z-index:2;
}
.cta-content h2 { font-family:var(--font-display);font-size:2.5rem;font-weight:900;color:#fff;margin-bottom:1rem; }
.cta-content p  { color:rgba(255,255,255,.6);font-size:1.15rem; }
.cta-actions { display:flex;gap:1.5rem;flex-wrap:wrap; }
.cta-actions .btn-primary-lg { background:var(--gold-luxe);color:var(--obsidian);box-shadow:0 10px 30px rgba(184,134,11,0.3); }
.btn-outline-lg-light {
  display:inline-flex;align-items:center;gap:.7rem;
  border:2px solid var(--gold-luxe);color:var(--gold-luxe);
  background:transparent;
  padding:.93rem 2.2rem;border-radius:var(--radius);
  font-size:1rem;font-weight:800;
  transition:var(--trans);
}
.btn-outline-lg-light:hover { background:var(--gold-luxe);color:var(--obsidian); }

/* ── Footer ──────────────────────────────────────────────── */
.footer { background:var(--navy);padding:4rem 0 0; }
.footer-grid { display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:3rem;padding-bottom:3rem;border-bottom:1px solid rgba(255,255,255,.1); }
.footer-brand p { color:rgba(255,255,255,.55);font-size:.875rem;line-height:1.8;margin-top:.8rem;max-width:280px; }
.footer-brand .nav-logo .logo-main,.footer-brand .nav-logo .logo-sub { color:#fff; }
.footer-brand .logo-mark { background:rgba(255,255,255,.15);border:1px solid rgba(255,255,255,.2); }
.footer-social { display:flex;gap:.75rem;margin-top:1.5rem; }
.footer-social a { width:36px;height:36px;border-radius:8px;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.15);color:rgba(255,255,255,.7);display:flex;align-items:center;justify-content:center;font-size:.85rem;transition:var(--trans); }
.footer-social a:hover { background:var(--gold);border-color:var(--gold);color:var(--navy); }

.footer-col h4 { font-size:.82rem;font-weight:700;color:#fff;text-transform:uppercase;letter-spacing:.08em;margin-bottom:1.2rem; }
.footer-col ul { list-style:none; }
.footer-col ul li { margin-bottom:.55rem; }
.footer-col ul li a { font-size:.875rem;color:rgba(255,255,255,.55);transition:var(--trans); }
.footer-col ul li a:hover { color:var(--gold2);padding-left:4px; }

.footer-contact { display:flex;flex-direction:column;gap:.75rem; }
.fc-item { display:flex;align-items:flex-start;gap:.7rem; }
.fc-item i { color:var(--gold2);font-size:.85rem;margin-top:.2rem;flex-shrink:0; }
.fc-item span,.fc-item a { font-size:.875rem;color:rgba(255,255,255,.55);transition:color .2s; }
.fc-item a:hover { color:var(--gold2); }

.footer-bottom { padding:1.5rem 0;display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:1rem; }
.footer-bottom p { font-size:.8rem;color:rgba(255,255,255,.4); }
.footer-legal { display:flex;align-items:center;gap:1.2rem;flex-wrap:wrap; }
.footer-legal a { font-size:.8rem;color:rgba(255,255,255,.4);transition:color .2s; }
.footer-legal a:hover { color:var(--gold2); }
.rbi-badge { font-size:.75rem;font-weight:600;color:var(--gold2);background:rgba(212,160,23,.15);padding:.25rem .7rem;border-radius:50px;border:1px solid rgba(212,160,23,.3);display:flex;align-items:center;gap:.35rem; }

.footer-disclaimer { border-top:1px solid rgba(255,255,255,.06);padding:1.5rem 0 2rem; }
.footer-disclaimer p { font-size:.75rem;color:rgba(255,255,255,.3);line-height:1.7; }

/* ── WhatsApp Float ──────────────────────────────────────── */
.wa-float {
  position:fixed;bottom:2rem;right:1.5rem;
  width:58px;height:58px;border-radius:50%;
  background:#25D366;color:#fff;
  font-size:1.8rem;
  display:flex;align-items:center;justify-content:center;
  box-shadow:0 4px 20px rgba(37,211,102,.45);
  z-index:9999;transition:var(--trans);
}
.wa-float:hover { transform:scale(1.1);background:#128C7E; }
.wa-tooltip {
  position:absolute;right:68px;
  background:#fff;color:var(--navy);
  font-size:.78rem;font-weight:600;
  padding:.4rem .8rem;border-radius:6px;
  white-space:nowrap;
  box-shadow:var(--shadow);
  opacity:0;transform:translateX(8px);
  transition:var(--trans);pointer-events:none;
  font-family:var(--font-body);
}
.wa-float:hover .wa-tooltip { opacity:1;transform:translateX(0); }

/* ── Reveal animation ────────────────────────────────────── */
.reveal { opacity:0;transform:translateY(28px);transition:opacity .7s ease,transform .7s ease; }
.reveal.visible { opacity:1;transform:translateY(0); }

/* ── Responsive ──────────────────────────────────────────── */
@media(max-width:1100px) {
  .loans-grid { grid-template-columns:repeat(2,1fr); }
  .footer-grid { grid-template-columns:1fr 1fr; }
}
@media(max-width:900px) {
  .hero-container { grid-template-columns:1fr;gap:3rem; }
  .quick-apply-card { max-width:560px; }
  .why-inner,.calc-inner { grid-template-columns:1fr; }
  .faq-inner { grid-template-columns:1fr; }
  .testimonials-grid { grid-template-columns:1fr; }
  .why-card-stack { height:auto;display:flex;flex-wrap:wrap;gap:1rem;position:static; }
  .trust-card { position:static;min-width:auto;width:calc(50% - .5rem); }
}
@media(max-width:768px) {
  .trust-bar { display:none; }
  .navbar { margin-top:0; }
  .nav-links {
    position:fixed;top:0;right:0;width:min(280px,85vw);height:100vh;
    background:#fff;flex-direction:column;
    padding:5rem 1.5rem 2rem;gap:0;
    transform:translateX(105%);
    transition:transform .3s ease;
    z-index:5000;border-left:1px solid var(--light);
    box-shadow:none;
    pointer-events:none;list-style:none;margin:0;
  }
  .nav-links.active { transform:translateX(0);box-shadow:-4px 0 24px rgba(0,0,0,.12);pointer-events:all; }
  .nav-link { display:block;padding:.85rem 1rem;font-size:1rem;border-radius:8px; }
  .hamburger { display:flex; }
  .hero { padding:6rem 0 3rem; }
  .hero-stats { gap:1rem; }
  .stat-div { display:none; }
  .loans-grid { grid-template-columns:1fr; }
  .cta-inner { flex-direction:column;text-align:center; }
  .cta-actions { justify-content:center; }
  .footer-grid { grid-template-columns:1fr; }
  .footer-bottom { flex-direction:column;text-align:center; }
  .steps-grid { flex-direction:column;align-items:center; }
  .step { max-width:100%;width:100%; }
}
@media(max-width:480px) {
  .container { padding:0 1rem; }
  .hero-cta { flex-direction:column; }
  .btn-primary-lg,.btn-outline-lg { width:100%;justify-content:center; }
  .hero-stats { justify-content:center; }
  .trust-card { width:100%; }
}