/* =====================================================
   Finance4u — Premium Finance & Loan Services Website
   Stylesheet
   ===================================================== */

/* ---------- Design Tokens ---------- */
:root {
  /* Brand — Magenta / Berry / Purple */
  --magenta-500: #C00564;
  --magenta-600: #8F004D;
  --magenta-700: #62003A;
  --magenta-50:  #FFF0F7;
  --magenta-100: #FFF5FA;
  --magenta-200: #F1D8E5;

  /* Accent — Gold */
  --gold-500: #F5B300;
  --gold-600: #D99500;
  --gold-400: #FFD86A;

  /* Neutrals */
  --white: #ffffff;
  --off-white: #F8F9FC;
  --charcoal: #222222;
  --slate: #666666;
  --line: #E8E8EE;
  --line-soft: #E5E5E5;

  /* Semantic */
  --primary: var(--magenta-500);
  --primary-dark: var(--magenta-600);
  --primary-darker: var(--magenta-700);
  --accent: var(--gold-500);
  --accent-dark: var(--gold-600);
  --success: #18B65B;
  --warning: var(--gold-500);
  --error: #dc2626;

  --font-sans: "Inter", "Segoe UI", system-ui, -apple-system, BlinkMacSystemFont, sans-serif;
  --font-display: "Plus Jakarta Sans", "Inter", "Segoe UI", sans-serif;

  --space-1: 0.5rem;
  --space-2: 1rem;
  --space-3: 1.5rem;
  --space-4: 2rem;
  --space-5: 2.5rem;
  --space-6: 3rem;
  --space-8: 4rem;
  --space-10: 5rem;
  --space-12: 6rem;

  --radius-sm: 8px;
  --radius-md: 14px;
  --radius-lg: 20px;
  --radius-xl: 28px;
  --radius-full: 999px;

  --shadow-sm: 0 1px 2px rgba(34, 34, 34, 0.06), 0 1px 3px rgba(34, 34, 34, 0.08);
  --shadow-md: 0 4px 12px rgba(34, 34, 34, 0.08), 0 2px 4px rgba(34, 34, 34, 0.04);
  --shadow-lg: 0 12px 28px rgba(34, 34, 34, 0.10), 0 4px 10px rgba(34, 34, 34, 0.06);
  --shadow-xl: 0 24px 48px rgba(34, 34, 34, 0.14), 0 8px 16px rgba(34, 34, 34, 0.08);
  --shadow-primary: 0 18px 40px rgba(192, 5, 100, 0.28);
  --shadow-gold: 0 18px 40px rgba(245, 179, 0, 0.28);

  --grad-hero: linear-gradient(135deg, #62003A 0%, #8F004D 45%, #C00564 100%);
  --grad-primary: linear-gradient(135deg, #8F004D 0%, #C00564 100%);
  --grad-gold: linear-gradient(135deg, #D99500 0%, #F5B300 100%);
  --grad-calc: linear-gradient(180deg, #8F004D 0%, #62003A 100%);
  --grad-footer: linear-gradient(135deg, #62003A 0%, #8F004D 50%, #C00564 100%);
  --grad-soft: linear-gradient(135deg, #FFF5FA 0%, #F8F9FC 100%);

  --container: 1200px;
  --container-narrow: 880px;
  --header-h: 76px;

  --t-fast: 150ms ease;
  --t-base: 250ms cubic-bezier(0.4, 0, 0.2, 1);
  --t-slow: 450ms cubic-bezier(0.4, 0, 0.2, 1);
}

/* ---------- Reset ---------- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

html {
  scroll-behavior: smooth;
  scroll-padding-top: calc(var(--header-h) + 16px);
  -webkit-text-size-adjust: 100%;
}

body {
  font-family: var(--font-sans);
  font-size: 16px;
  line-height: 1.6;
  color: var(--slate);
  background: var(--white);
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

img { max-width: 100%; display: block; height: auto; }
a { color: var(--magenta-500); text-decoration: none; transition: color var(--t-fast); }
a:hover { color: var(--magenta-600); }
ul { list-style: none; }
button { font-family: inherit; cursor: pointer; border: none; background: none; }
input, select, textarea { font-family: inherit; font-size: inherit; }

h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-display);
  color: var(--charcoal);
  line-height: 1.2;
  font-weight: 700;
  letter-spacing: -0.02em;
}

/* ---------- Layout Helpers ---------- */
.container { width: 100%; max-width: var(--container); margin-inline: auto; padding-inline: 24px; }
.container-narrow { max-width: var(--container-narrow); }
.section { padding-block: var(--space-10); }
.section-sm { padding-block: var(--space-8); }
.bg-soft { background: var(--grad-soft); }
.bg-navy { background: var(--grad-hero); color: var(--white); }
.bg-navy h1, .bg-navy h2, .bg-navy h3, .bg-navy h4 { color: var(--white); }
.bg-gray { background: var(--off-white); }
.text-center { text-align: center; }

/* ---------- Section Heading ---------- */
.section-head { max-width: 720px; margin-inline: auto; text-align: center; margin-bottom: var(--space-8); }
.section-head .eyebrow {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 6px 14px; background: var(--magenta-50); color: var(--magenta-600);
  border-radius: var(--radius-full); font-size: 0.78rem; font-weight: 600;
  letter-spacing: 0.08em; text-transform: uppercase; margin-bottom: 16px;
}
.section-head h2 { font-size: clamp(1.75rem, 3.4vw, 2.6rem); margin-bottom: 14px; }
.section-head p { color: var(--slate); font-size: 1.05rem; max-width: 620px; margin-inline: auto; }
.bg-navy .section-head .eyebrow { background: rgba(255, 255, 255, 0.12); color: var(--white); }
.bg-navy .section-head p { color: rgba(255, 255, 255, 0.82); }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 10px;
  padding: 14px 26px; border-radius: var(--radius-full); font-weight: 600;
  font-size: 0.95rem; cursor: pointer; white-space: nowrap;
  border: 1.5px solid transparent; text-align: center;
  transition: transform var(--t-fast), box-shadow var(--t-base), background var(--t-base), color var(--t-base);
}
.btn-primary { background: var(--magenta-500); color: var(--white); box-shadow: var(--shadow-primary); }
.btn-primary:hover { background: var(--magenta-600); transform: translateY(-2px); box-shadow: 0 22px 48px rgba(192, 5, 100, 0.38); color: var(--white); }
.btn-green { background: var(--gold-500); color: var(--charcoal); box-shadow: var(--shadow-gold); }
.btn-green:hover { background: var(--gold-600); transform: translateY(-2px); box-shadow: 0 22px 48px rgba(245, 179, 0, 0.38); color: var(--charcoal); }
.btn-outline { background: transparent; color: var(--magenta-500); border-color: var(--magenta-500); }
.btn-outline:hover { background: var(--magenta-100); color: var(--magenta-600); }
.btn-ghost-light { background: rgba(255, 255, 255, 0.1); color: var(--white); border-color: rgba(255, 255, 255, 0.35); backdrop-filter: blur(8px); }
.btn-ghost-light:hover { background: rgba(255, 255, 255, 0.18); color: var(--white); transform: translateY(-2px); }
.btn-white { background: var(--white); color: var(--magenta-600); }
.btn-white:hover { transform: translateY(-2px); box-shadow: var(--shadow-lg); color: var(--magenta-600); }
.btn-lg { padding: 16px 32px; font-size: 1rem; }
.btn-block { width: 100%; }

/* ---------- Header ---------- */
.site-header {
  position: sticky; top: 0; z-index: 1000;
  background: rgba(255, 255, 255, 0.92);
  backdrop-filter: saturate(180%) blur(14px);
  border-bottom: 1px solid var(--line);
  transition: box-shadow var(--t-base), background var(--t-base);
}
.site-header.scrolled { box-shadow: var(--shadow-md); background: rgba(255, 255, 255, 0.98); }
.header-inner { display: flex; align-items: center; justify-content: space-between; height: var(--header-h); gap: 24px; }
.brand { display: flex; align-items: center; gap: 12px; flex-shrink: 0; }
.brand-logo { height: 52px; width: auto; max-width: 180px; border-radius: 8px; object-fit: contain; }
.brand-text { display: flex; flex-direction: column; line-height: 1.1; }
.brand-name { font-family: var(--font-display); font-weight: 800; font-size: 1.25rem; color: var(--charcoal); letter-spacing: -0.02em; }
.brand-name span { color: var(--magenta-500); }
.brand-tag { font-size: 0.68rem; color: var(--slate); letter-spacing: 0.12em; text-transform: uppercase; font-weight: 600; }
.site-header .brand-text { display: none; }
.main-nav { display: flex; align-items: center; gap: 4px; }
.nav-link {
  position: relative; padding: 10px 14px; color: var(--slate);
  font-weight: 500; font-size: 0.95rem; border-radius: var(--radius-sm);
  transition: color var(--t-fast), background var(--t-fast);
}
.nav-link::after {
  content: ""; position: absolute; left: 14px; right: 14px; bottom: 4px;
  height: 2px; background: var(--gold-500); transform: scaleX(0);
  transform-origin: left; transition: transform var(--t-base); border-radius: 2px;
}
.nav-link:hover { color: var(--magenta-500); }
.nav-link:hover::after, .nav-link.active::after { transform: scaleX(1); }
.nav-link.active { color: var(--magenta-500); }
.header-cta { display: flex; align-items: center; gap: 12px; }
.header-cta .btn { padding: 11px 22px; }
.menu-toggle {
  display: none; width: 44px; height: 44px; border-radius: 10px;
  border: 1px solid var(--line); background: var(--white);
  align-items: center; justify-content: center; flex-direction: column; gap: 5px;
}
.menu-toggle span { display: block; width: 22px; height: 2px; background: var(--charcoal); border-radius: 2px; transition: transform var(--t-base), opacity var(--t-base); }
.menu-toggle.active span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.menu-toggle.active span:nth-child(2) { opacity: 0; }
.menu-toggle.active span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* ---------- Mobile Drawer ---------- */
.mobile-drawer {
  position: fixed; top: 0; right: 0; width: min(360px, 86vw); height: 100vh;
  background: var(--white); box-shadow: var(--shadow-xl); z-index: 1100;
  transform: translateX(100%); transition: transform var(--t-slow);
  display: flex; flex-direction: column; padding: 24px; overflow-y: auto;
}
.mobile-drawer.open { transform: translateX(0); }
.drawer-head { display: flex; align-items: center; justify-content: space-between; margin-bottom: 24px; }
.drawer-close {
  width: 40px; height: 40px; border-radius: 10px; border: 1px solid var(--line);
  display: flex; align-items: center; justify-content: center; font-size: 1.4rem; color: var(--charcoal);
}
.drawer-nav { display: flex; flex-direction: column; gap: 4px; }
.drawer-nav a {
  padding: 14px 16px; border-radius: var(--radius-sm); color: var(--slate);
  font-weight: 500; font-size: 1.05rem; transition: background var(--t-fast), color var(--t-fast);
}
.drawer-nav a:hover, .drawer-nav a.active { background: var(--magenta-50); color: var(--magenta-500); }
.drawer-cta { margin-top: auto; padding-top: 24px; }
.overlay {
  position: fixed; inset: 0; background: rgba(98, 0, 58, 0.55);
  backdrop-filter: blur(4px); z-index: 1050; opacity: 0; visibility: hidden;
  transition: opacity var(--t-base), visibility var(--t-base);
}
.overlay.show { opacity: 1; visibility: visible; }

/* ---------- Hero ---------- */
.hero {
  position: relative; background: var(--grad-hero); color: var(--white);
  padding-block: clamp(60px, 9vw, 110px) clamp(50px, 7vw, 90px); overflow: hidden;
}
.hero::before {
  content: ""; position: absolute; top: -120px; right: -120px; width: 480px; height: 480px;
  background: radial-gradient(circle, rgba(245, 179, 0, 0.28) 0%, transparent 70%);
  border-radius: 50%; filter: blur(20px);
}
.hero::after {
  content: ""; position: absolute; bottom: -160px; left: -120px; width: 420px; height: 420px;
  background: radial-gradient(circle, rgba(192, 5, 100, 0.35) 0%, transparent 70%);
  border-radius: 50%; filter: blur(20px);
}
.hero-grid { position: relative; z-index: 2; display: grid; grid-template-columns: 1.05fr 0.95fr; gap: 56px; align-items: center; }
.hero-eyebrow {
  display: inline-flex; align-items: center; gap: 10px; padding: 8px 16px;
  background: rgba(255, 255, 255, 0.12); border: 1px solid rgba(255, 255, 255, 0.2);
  border-radius: var(--radius-full); font-size: 0.8rem; font-weight: 600;
  letter-spacing: 0.08em; text-transform: uppercase; margin-bottom: 22px; backdrop-filter: blur(8px);
}
.hero-eyebrow .dot { width: 8px; height: 8px; border-radius: 50%; background: var(--gold-500); box-shadow: 0 0 0 4px rgba(245, 179, 0, 0.25); animation: pulse 2s infinite; }
@keyframes pulse { 0%, 100% { box-shadow: 0 0 0 4px rgba(245, 179, 0, 0.25); } 50% { box-shadow: 0 0 0 8px rgba(245, 179, 0, 0.1); } }
.hero h1 { font-size: clamp(2.1rem, 4.6vw, 3.6rem); color: var(--white); margin-bottom: 20px; line-height: 1.1; }
.hero h1 .accent { background: linear-gradient(135deg, #F5B300 0%, #FFD86A 100%); -webkit-background-clip: text; background-clip: text; -webkit-text-fill-color: transparent; }
.hero p.lead { font-size: 1.12rem; color: rgba(255, 255, 255, 0.85); max-width: 560px; margin-bottom: 32px; line-height: 1.65; }
.hero-actions { display: flex; gap: 16px; flex-wrap: wrap; margin-bottom: 40px; }
.hero-trust { display: grid; grid-template-columns: repeat(2, 1fr); gap: 14px; }
.trust-card {
  display: flex; align-items: center; gap: 12px; padding: 16px 18px;
  background: rgba(255, 255, 255, 0.12); border: 1px solid rgba(255, 255, 255, 0.15);
  border-radius: var(--radius-md); backdrop-filter: blur(10px);
  transition: transform var(--t-base), background var(--t-base);
}
.trust-card:hover { transform: translateY(-3px); background: rgba(255, 255, 255, 0.18); }
.trust-card .icon { width: 40px; height: 40px; border-radius: 10px; display: flex; align-items: center; justify-content: center; background: var(--grad-primary); color: var(--white); flex-shrink: 0; }
.trust-card .icon.green { background: var(--grad-gold); color: var(--charcoal); }
.trust-card h4 { color: var(--white); font-size: 0.95rem; margin-bottom: 2px; }
.trust-card p { color: rgba(255, 255, 255, 0.75); font-size: 0.78rem; }

.hero-card {
  position: relative; background: rgba(255, 255, 255, 0.12);
  border: 1px solid rgba(255, 255, 255, 0.15); border-radius: var(--radius-xl);
  padding: 28px; backdrop-filter: blur(16px); box-shadow: var(--shadow-xl);
}
.hero-card-head { display: flex; align-items: center; justify-content: space-between; margin-bottom: 22px; }
.hero-card-head h3 { color: var(--white); font-size: 1.15rem; }
.hero-card-head .badge { padding: 6px 12px; background: var(--grad-gold); color: var(--charcoal); border-radius: var(--radius-full); font-size: 0.72rem; font-weight: 600; letter-spacing: 0.05em; text-transform: uppercase; }
.hero-stat-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 14px; }
.hero-stat { padding: 18px; background: rgba(255, 255, 255, 0.12); border: 1px solid rgba(255, 255, 255, 0.15); border-radius: var(--radius-md); }
.hero-stat .num { font-family: var(--font-display); font-size: 1.7rem; font-weight: 800; color: var(--white); line-height: 1; margin-bottom: 6px; }
.hero-stat .num .small { font-size: 1rem; color: var(--gold-400); }
.hero-stat .label { font-size: 0.78rem; color: rgba(255, 255, 255, 0.75); }
.hero-card-foot { margin-top: 22px; padding-top: 18px; border-top: 1px solid rgba(255, 255, 255, 0.15); display: flex; align-items: center; gap: 12px; color: rgba(255, 255, 255, 0.88); font-size: 0.88rem; }
.hero-card-foot .check { width: 28px; height: 28px; border-radius: 50%; background: var(--grad-gold); color: var(--charcoal); display: flex; align-items: center; justify-content: center; flex-shrink: 0; }

/* ---------- Page Banner ---------- */
.page-banner {
  position: relative; background: var(--grad-hero); color: var(--white);
  padding-block: clamp(48px, 7vw, 80px) clamp(40px, 6vw, 70px); overflow: hidden;
}
.page-banner::before { content: ""; position: absolute; top: -100px; right: -80px; width: 360px; height: 360px; background: radial-gradient(circle, rgba(245, 179, 0, 0.25) 0%, transparent 70%); border-radius: 50%; filter: blur(20px); }
.page-banner-inner { position: relative; z-index: 2; max-width: 760px; }
.breadcrumb { display: flex; align-items: center; gap: 8px; font-size: 0.85rem; color: rgba(255, 255, 255, 0.75); margin-bottom: 16px; }
.breadcrumb a { color: rgba(255, 255, 255, 0.82); }
.breadcrumb a:hover { color: var(--white); }
.breadcrumb .sep { opacity: 0.5; }
.page-banner h1 { color: var(--white); font-size: clamp(2rem, 4vw, 3rem); margin-bottom: 14px; }
.page-banner p { color: rgba(255, 255, 255, 0.85); font-size: 1.08rem; max-width: 620px; }

/* ---------- Service Cards ---------- */
.services-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 22px; }
.service-card {
  position: relative; background: var(--white); border: 1px solid var(--magenta-200);
  border-radius: var(--radius-lg); padding: 28px 24px; overflow: hidden;
  transition: transform var(--t-base), box-shadow var(--t-base), border-color var(--t-base);
}
.service-card::before { content: ""; position: absolute; top: 0; left: 0; right: 0; height: 4px; background: var(--magenta-500); transform: scaleX(0); transform-origin: left; transition: transform var(--t-base); }
.service-card:hover { transform: translateY(-6px); box-shadow: 0 20px 45px rgba(192, 5, 100, 0.18); border-color: transparent; }
.service-card:hover::before { transform: scaleX(1); }
.service-icon { width: 56px; height: 56px; border-radius: var(--radius-md); display: flex; align-items: center; justify-content: center; background: var(--magenta-50); color: var(--magenta-500); margin-bottom: 18px; transition: background var(--t-base), color var(--t-base), transform var(--t-base); }
.service-card:hover .service-icon { background: var(--grad-primary); color: var(--white); transform: scale(1.05); }
.service-icon.green { background: rgba(245, 179, 0, 0.12); color: var(--gold-600); }
.service-card:hover .service-icon.green { background: var(--grad-gold); color: var(--charcoal); }
.service-card h3 { font-size: 1.15rem; margin-bottom: 8px; }
.service-card p { color: var(--slate); font-size: 0.92rem; margin-bottom: 16px; }
.service-link { display: inline-flex; align-items: center; gap: 6px; color: var(--magenta-500); font-weight: 600; font-size: 0.88rem; transition: gap var(--t-fast); }
.service-link:hover { gap: 10px; color: var(--magenta-600); }

/* ---------- EMI Calculator ---------- */
.calc-wrap {
  display: grid; grid-template-columns: 1.1fr 0.9fr; gap: 32px;
  background: var(--white); border-radius: var(--radius-xl);
  box-shadow: var(--shadow-lg); overflow: hidden; border: 1px solid var(--line);
}
.calc-form { padding: 36px; }
.calc-form h3 { font-size: 1.4rem; margin-bottom: 6px; }
.calc-form .sub { color: var(--slate); font-size: 0.95rem; margin-bottom: 26px; }
.field { margin-bottom: 20px; }
.field label { display: block; font-size: 0.85rem; font-weight: 600; color: var(--charcoal); margin-bottom: 8px; }
.field label .req { color: var(--error); }
.input, .select, .textarea {
  width: 100%; padding: 13px 16px; border: 1.5px solid var(--line-soft);
  border-radius: var(--radius-sm); background: var(--white); color: var(--charcoal);
  transition: border-color var(--t-fast), box-shadow var(--t-fast); font-size: 0.95rem;
}
.input:focus, .select:focus, .textarea:focus { outline: none; border-color: var(--magenta-500); box-shadow: 0 0 0 4px rgba(192, 5, 100, 0.12); }
.input.error, .select.error, .textarea.error { border-color: var(--error); box-shadow: 0 0 0 4px rgba(220, 38, 38, 0.1); }
.field-error { display: block; color: var(--error); font-size: 0.78rem; margin-top: 6px; min-height: 0; opacity: 0; transition: opacity var(--t-fast); }
.field-error.show { opacity: 1; margin-top: 6px; }
.textarea { min-height: 120px; resize: vertical; }
.select { appearance: none; background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='14' height='14' viewBox='0 0 24 24' fill='none' stroke='%23666666' stroke-width='2.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='6 9 12 15 18 9'%3E%3C/polyline%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 16px center; padding-right: 40px; }
.tenure-row { display: grid; grid-template-columns: 1fr 140px; gap: 14px; }
.tenure-type { display: flex; gap: 8px; margin-top: 12px; }
.tenure-type button { flex: 1; padding: 10px; border: 1.5px solid var(--line-soft); border-radius: var(--radius-sm); background: var(--white); color: var(--slate); font-weight: 600; font-size: 0.9rem; transition: all var(--t-fast); }
.tenure-type button.active { background: var(--grad-primary); color: var(--white); border-color: transparent; }

/* ---------- EMI Slider Fields ---------- */
.slider-field { margin-bottom: 26px; }
.slider-label-row { display: flex; align-items: center; justify-content: space-between; margin-bottom: 10px; }
.slider-label-row label { font-size: 0.88rem; font-weight: 600; color: var(--charcoal); margin: 0; }
.slider-value { font-family: var(--font-display); font-size: 1rem; font-weight: 700; color: var(--magenta-600); background: var(--magenta-50); padding: 4px 12px; border-radius: var(--radius-full); min-width: 90px; text-align: center; }
.emi-slider {
  -webkit-appearance: none; appearance: none;
  width: 100%; height: 6px; border-radius: 99px; outline: none; cursor: pointer;
  background: linear-gradient(to right, var(--magenta-500) 0%, var(--magenta-500) var(--fill, 33%), var(--line) var(--fill, 33%), var(--line) 100%);
  transition: background var(--t-fast);
}
.emi-slider::-webkit-slider-thumb {
  -webkit-appearance: none; width: 22px; height: 22px; border-radius: 50%;
  background: var(--white); border: 3px solid var(--magenta-500);
  box-shadow: 0 2px 8px rgba(192, 5, 100, 0.35); cursor: pointer;
  transition: transform var(--t-fast), box-shadow var(--t-fast);
}
.emi-slider::-webkit-slider-thumb:hover { transform: scale(1.2); box-shadow: 0 4px 14px rgba(192, 5, 100, 0.45); }
.emi-slider::-moz-range-thumb {
  width: 22px; height: 22px; border-radius: 50%; border: 3px solid var(--magenta-500);
  background: var(--white); box-shadow: 0 2px 8px rgba(192, 5, 100, 0.35); cursor: pointer;
}
.slider-range-labels { display: flex; justify-content: space-between; margin-top: 6px; }
.slider-range-labels span { font-size: 0.75rem; color: var(--slate); font-weight: 500; }

/* ---------- Donut chart ---------- */
.calc-chart { margin-top: 22px; padding-top: 18px; border-top: 1px solid rgba(255,255,255,0.15); display: flex; align-items: center; gap: 18px; position: relative; }
.donut-wrap { width: 72px; height: 72px; flex-shrink: 0; }
.donut-svg { width: 100%; height: 100%; }
.donut-principal, .donut-interest { transition: stroke-dasharray 0.5s ease, transform 0.5s ease; }
.chart-legend { display: flex; flex-direction: column; gap: 8px; }
.legend-item { display: flex; align-items: center; gap: 8px; font-size: 0.82rem; color: rgba(255,255,255,0.85); font-weight: 500; }
.legend-item .dot { width: 10px; height: 10px; border-radius: 50%; flex-shrink: 0; }
.legend-item .dot.green { background: var(--gold-500); }
.legend-item .dot.blue { background: var(--magenta-500); }
.calc-result { background: var(--grad-calc); color: var(--white); padding: 36px; display: flex; flex-direction: column; justify-content: center; position: relative; overflow: hidden; }
.calc-result::before { content: ""; position: absolute; top: -60px; right: -60px; width: 220px; height: 220px; background: radial-gradient(circle, rgba(245, 179, 0, 0.22) 0%, transparent 70%); border-radius: 50%; }
.calc-result h4 { color: rgba(255, 255, 255, 0.75); font-size: 0.85rem; font-weight: 600; letter-spacing: 0.08em; text-transform: uppercase; margin-bottom: 12px; position: relative; }
.calc-emi { font-family: var(--font-display); font-size: clamp(2.2rem, 4vw, 3rem); font-weight: 800; color: var(--white); line-height: 1; margin-bottom: 4px; position: relative; }
.calc-emi .currency { font-size: 1.4rem; vertical-align: super; color: var(--gold-400); margin-right: 4px; }
.calc-emi-sub { font-size: 0.85rem; color: rgba(255, 255, 255, 0.65); margin-bottom: 28px; position: relative; }
.calc-breakdown { display: grid; gap: 14px; position: relative; }
.calc-breakdown .row { display: flex; align-items: center; justify-content: space-between; padding: 14px 16px; background: rgba(255, 255, 255, 0.12); border: 1px solid rgba(255, 255, 255, 0.15); border-radius: var(--radius-sm); }
.calc-breakdown .row .lbl { font-size: 0.85rem; color: rgba(255, 255, 255, 0.78); }
.calc-breakdown .row .val { font-weight: 700; color: var(--white); font-size: 1.05rem; }
.calc-result .empty-state { text-align: center; padding: 40px 20px; color: rgba(255, 255, 255, 0.65); position: relative; }
.calc-result .empty-state .icon { width: 64px; height: 64px; margin: 0 auto 16px; border-radius: 50%; background: rgba(255, 255, 255, 0.12); display: flex; align-items: center; justify-content: center; }
.calc-result .empty-state p { font-size: 0.92rem; }

/* ---------- Why Choose Cards ---------- */
.features-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.feature-card { background: var(--white); border: 1px solid var(--line); border-top: 4px solid var(--magenta-500); border-radius: var(--radius-lg); padding: 30px 26px; transition: transform var(--t-base), box-shadow var(--t-base); }
.feature-card:hover { transform: translateY(-4px); box-shadow: 0 20px 45px rgba(192, 5, 100, 0.18); }
.feature-card .num { display: inline-flex; align-items: center; justify-content: center; width: 44px; height: 44px; border-radius: 12px; background: var(--magenta-50); color: var(--magenta-500); font-family: var(--font-display); font-weight: 800; font-size: 1.1rem; margin-bottom: 16px; }
.feature-card h3 { font-size: 1.15rem; margin-bottom: 8px; }
.feature-card p { color: var(--slate); font-size: 0.94rem; }

/* ---------- Steps ---------- */
.steps-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 22px; position: relative; }
.step-card { position: relative; background: var(--white); border: 1px solid var(--line); border-radius: var(--radius-lg); padding: 32px 24px; text-align: center; transition: transform var(--t-base), box-shadow var(--t-base); }
.step-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.step-num { position: absolute; top: -18px; left: 50%; transform: translateX(-50%); width: 44px; height: 44px; border-radius: 50%; background: var(--grad-primary); color: var(--white); display: flex; align-items: center; justify-content: center; font-family: var(--font-display); font-weight: 800; font-size: 1.1rem; box-shadow: var(--shadow-primary); border: 4px solid var(--white); }
.step-icon { width: 64px; height: 64px; margin: 16px auto 18px; border-radius: var(--radius-md); background: var(--magenta-50); color: var(--magenta-500); display: flex; align-items: center; justify-content: center; }
.step-card h3 { font-size: 1.1rem; margin-bottom: 8px; }
.step-card p { color: var(--slate); font-size: 0.9rem; }

/* ---------- Loan Categories ---------- */
.cat-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 24px; }
.cat-card { position: relative; background: var(--white); border: 1px solid var(--line); border-radius: var(--radius-lg); padding: 32px; overflow: hidden; transition: transform var(--t-base), box-shadow var(--t-base); }
.cat-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.cat-card .cat-icon { width: 60px; height: 60px; border-radius: var(--radius-md); display: flex; align-items: center; justify-content: center; background: var(--grad-primary); color: var(--white); margin-bottom: 18px; box-shadow: var(--shadow-primary); }
.cat-card .cat-icon.green { background: var(--grad-gold); color: var(--charcoal); box-shadow: var(--shadow-gold); }
.cat-card h3 { font-size: 1.3rem; margin-bottom: 10px; }
.cat-card p { color: var(--slate); margin-bottom: 18px; }
.cat-list { display: grid; gap: 10px; }
.cat-list li { display: flex; align-items: center; gap: 10px; font-size: 0.94rem; color: var(--charcoal); }
.cat-list li .check { width: 22px; height: 22px; border-radius: 50%; background: var(--magenta-50); color: var(--magenta-500); display: flex; align-items: center; justify-content: center; flex-shrink: 0; }

/* ---------- Customer Profiles ---------- */
.profiles-grid { display: grid; grid-template-columns: repeat(7, 1fr); gap: 14px; }
.profile-chip { display: flex; flex-direction: column; align-items: center; gap: 10px; padding: 22px 12px; background: var(--white); border: 1px solid var(--line); border-radius: var(--radius-md); text-align: center; transition: transform var(--t-base), box-shadow var(--t-base), border-color var(--t-base); }
.profile-chip:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); border-color: var(--magenta-200); }
.profile-chip .icon { width: 48px; height: 48px; border-radius: 50%; background: var(--magenta-50); color: var(--magenta-500); display: flex; align-items: center; justify-content: center; transition: background var(--t-base), color var(--t-base); }
.profile-chip:hover .icon { background: var(--grad-primary); color: var(--white); }
.profile-chip span { font-size: 0.82rem; font-weight: 600; color: var(--charcoal); }

/* ---------- Testimonials ---------- */
.testimonials-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.testimonial-card { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius-lg); padding: 30px 26px; transition: transform var(--t-base), box-shadow var(--t-base); position: relative; }
.testimonial-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.testimonial-card .quote-mark { position: absolute; top: 22px; right: 24px; font-family: var(--font-display); font-size: 3.5rem; line-height: 1; color: var(--magenta-50); font-weight: 800; }
.testimonial-card .stars { display: flex; gap: 3px; color: var(--gold-500); margin-bottom: 14px; }
.testimonial-card p { color: var(--charcoal); font-size: 0.98rem; line-height: 1.65; margin-bottom: 22px; position: relative; z-index: 1; }
.testimonial-author { display: flex; align-items: center; gap: 12px; padding-top: 18px; border-top: 1px solid var(--line); }
.testimonial-author .avatar { width: 46px; height: 46px; border-radius: 50%; background: var(--grad-primary); color: var(--white); display: flex; align-items: center; justify-content: center; font-family: var(--font-display); font-weight: 700; font-size: 1.1rem; }
.testimonial-author h4 { font-size: 0.98rem; margin-bottom: 2px; }
.testimonial-author span { font-size: 0.82rem; color: var(--slate); }

/* ---------- FAQ Accordion ---------- */
.faq-list { max-width: 820px; margin-inline: auto; display: grid; gap: 14px; }
.faq-item { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius-md); overflow: hidden; transition: box-shadow var(--t-base), border-color var(--t-base), background var(--t-base); }
.faq-item.open { box-shadow: var(--shadow-md); background: var(--magenta-100); border-left: 4px solid var(--magenta-500); }
.faq-q { width: 100%; display: flex; align-items: center; justify-content: space-between; gap: 16px; padding: 20px 24px; text-align: left; font-weight: 600; color: var(--charcoal); font-size: 1rem; font-family: var(--font-display); transition: background var(--t-fast); }
.faq-q:hover { background: var(--magenta-50); }
.faq-q .icon { width: 30px; height: 30px; border-radius: 50%; background: var(--magenta-50); color: var(--magenta-500); display: flex; align-items: center; justify-content: center; flex-shrink: 0; transition: transform var(--t-base), background var(--t-base), color var(--t-base); }
.faq-item.open .faq-q .icon { transform: rotate(45deg); background: var(--grad-primary); color: var(--white); }
.faq-a { max-height: 0; overflow: hidden; transition: max-height var(--t-slow); }
.faq-a-inner { padding: 0 24px 22px; color: var(--slate); font-size: 0.95rem; line-height: 1.65; }

/* ---------- Final CTA ---------- */
.cta-banner { position: relative; background: var(--grad-hero); color: var(--white); border-radius: var(--radius-xl); padding: clamp(36px, 6vw, 64px); text-align: center; overflow: hidden; }
.cta-banner::before { content: ""; position: absolute; top: -80px; right: -80px; width: 320px; height: 320px; background: radial-gradient(circle, rgba(245, 179, 0, 0.3) 0%, transparent 70%); border-radius: 50%; filter: blur(20px); }
.cta-banner::after { content: ""; position: absolute; bottom: -100px; left: -80px; width: 280px; height: 280px; background: radial-gradient(circle, rgba(192, 5, 100, 0.3) 0%, transparent 70%); border-radius: 50%; filter: blur(20px); }
.cta-banner > * { position: relative; z-index: 1; }
.cta-banner h2 { color: var(--white); font-size: clamp(1.8rem, 3.6vw, 2.6rem); margin-bottom: 14px; }
.cta-banner p { color: rgba(255, 255, 255, 0.85); font-size: 1.08rem; max-width: 580px; margin: 0 auto 28px; }
.cta-banner .hero-actions { justify-content: center; margin-bottom: 0; }

/* ---------- Stats ---------- */
.stats-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 22px; }
.stat-block { text-align: center; padding: 28px 20px; background: var(--white); border: 1px solid var(--line); border-radius: var(--radius-lg); transition: transform var(--t-base), box-shadow var(--t-base); }
.stat-block:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.stat-block .num { font-family: var(--font-display); font-size: clamp(2rem, 3.5vw, 2.8rem); font-weight: 800; background: var(--grad-primary); -webkit-background-clip: text; background-clip: text; -webkit-text-fill-color: transparent; line-height: 1; margin-bottom: 8px; }
.stat-block .label { color: var(--slate); font-size: 0.92rem; font-weight: 500; }

/* ---------- About blocks ---------- */
.about-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; align-items: center; }
.about-content h2 { font-size: clamp(1.6rem, 3vw, 2.2rem); margin-bottom: 16px; }
.about-content p { color: var(--slate); margin-bottom: 16px; line-height: 1.7; }
.about-list { display: grid; gap: 12px; margin-top: 20px; }
.about-list li { display: flex; align-items: flex-start; gap: 12px; color: var(--charcoal); }
.about-list li .check { width: 24px; height: 24px; border-radius: 50%; background: var(--magenta-50); color: var(--magenta-500); display: flex; align-items: center; justify-content: center; flex-shrink: 0; margin-top: 2px; }
.about-visual { position: relative; padding: 24px; background: var(--grad-soft); border-radius: var(--radius-xl); border: 1px solid var(--line); }
.about-visual .card-stack { display: grid; gap: 14px; }
.about-visual .mini-card { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius-md); padding: 18px 20px; display: flex; align-items: center; gap: 14px; box-shadow: var(--shadow-sm); transition: transform var(--t-base); }
.about-visual .mini-card:hover { transform: translateX(4px); }
.about-visual .mini-card .icon { width: 44px; height: 44px; border-radius: 10px; background: var(--grad-primary); color: var(--white); display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.about-visual .mini-card .icon.green { background: var(--grad-gold); color: var(--charcoal); }
.about-visual .mini-card h4 { font-size: 0.98rem; margin-bottom: 2px; }
.about-visual .mini-card p { font-size: 0.82rem; color: var(--slate); margin: 0; }

.mv-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 24px; }
.mv-card { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius-lg); padding: 36px 30px; transition: transform var(--t-base), box-shadow var(--t-base); }
.mv-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.mv-card .icon { width: 56px; height: 56px; border-radius: var(--radius-md); background: var(--grad-primary); color: var(--white); display: flex; align-items: center; justify-content: center; margin-bottom: 18px; }
.mv-card .icon.green { background: var(--grad-gold); color: var(--charcoal); }
.mv-card h3 { font-size: 1.4rem; margin-bottom: 10px; }
.mv-card p { color: var(--slate); line-height: 1.7; }

/* ---------- Service detail ---------- */
.service-detail-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.service-detail-card { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius-lg); padding: 28px 24px; transition: transform var(--t-base), box-shadow var(--t-base); }
.service-detail-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.service-detail-card .icon { width: 52px; height: 52px; border-radius: var(--radius-md); background: var(--magenta-50); color: var(--magenta-500); display: flex; align-items: center; justify-content: center; margin-bottom: 16px; transition: background var(--t-base), color var(--t-base); }
.service-detail-card:hover .icon { background: var(--grad-primary); color: var(--white); }
.service-detail-card h3 { font-size: 1.15rem; margin-bottom: 8px; }
.service-detail-card p { color: var(--slate); font-size: 0.92rem; margin-bottom: 14px; }
.service-detail-card .features { display: grid; gap: 8px; }
.service-detail-card .features li { display: flex; align-items: center; gap: 8px; font-size: 0.85rem; color: var(--slate); }
.service-detail-card .features li .check { width: 18px; height: 18px; border-radius: 50%; background: var(--magenta-50); color: var(--magenta-500); display: flex; align-items: center; justify-content: center; flex-shrink: 0; }

/* ---------- Apply Form ---------- */
.form-card { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius-xl); box-shadow: var(--shadow-lg); padding: clamp(28px, 4vw, 44px); }
.form-card h2 { font-size: 1.6rem; margin-bottom: 6px; }
.form-card .sub { color: var(--slate); margin-bottom: 28px; }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.form-grid .full { grid-column: 1 / -1; }
.form-actions { display: flex; justify-content: flex-end; margin-top: 8px; }
.form-success { display: none; align-items: center; gap: 14px; padding: 18px 20px; background: rgba(24, 182, 91, 0.08); border: 1px solid var(--success); border-radius: var(--radius-md); color: var(--success); margin-bottom: 22px; }
.form-success.show { display: flex; animation: slideIn 0.4s ease; }
@keyframes slideIn { from { opacity: 0; transform: translateY(-8px); } to { opacity: 1; transform: translateY(0); } }
.form-success .icon { width: 36px; height: 36px; border-radius: 50%; background: var(--success); color: var(--white); display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.form-success h4 { font-size: 1rem; color: var(--success); margin-bottom: 2px; }
.form-success p { font-size: 0.88rem; color: var(--success); margin: 0; }

/* ---------- Contact ---------- */
.contact-grid { display: grid; grid-template-columns: 1fr 1.2fr; gap: 32px; }
.contact-info-card { background: var(--grad-calc); color: var(--white); border-radius: var(--radius-xl); padding: 36px 30px; position: relative; overflow: hidden; }
.contact-info-card::before { content: ""; position: absolute; top: -60px; right: -60px; width: 220px; height: 220px; background: radial-gradient(circle, rgba(245, 179, 0, 0.22) 0%, transparent 70%); border-radius: 50%; }
.contact-info-card > * { position: relative; z-index: 1; }
.contact-info-card h3 { color: var(--white); font-size: 1.4rem; margin-bottom: 8px; }
.contact-info-card > p { color: rgba(255, 255, 255, 0.8); margin-bottom: 28px; }
.contact-info-list { display: grid; gap: 20px; }
.contact-info-list .item { display: flex; align-items: flex-start; gap: 14px; }
.contact-info-list .item .icon { width: 44px; height: 44px; border-radius: 12px; background: rgba(255, 255, 255, 0.12); color: var(--white); display: flex; align-items: center; justify-content: center; flex-shrink: 0; border: 1px solid rgba(255, 255, 255, 0.15); }
.contact-info-list .item h4 { color: var(--white); font-size: 0.95rem; margin-bottom: 4px; }
.contact-info-list .item a, .contact-info-list .item p { color: rgba(255, 255, 255, 0.8); font-size: 0.92rem; margin: 0; }
.contact-info-list .item a:hover { color: var(--white); }
.contact-hours { margin-top: 28px; padding-top: 24px; border-top: 1px solid rgba(255, 255, 255, 0.15); }
.contact-hours h4 { color: var(--white); font-size: 1rem; margin-bottom: 12px; }
.contact-hours .row { display: flex; justify-content: space-between; padding: 8px 0; font-size: 0.9rem; color: rgba(255, 255, 255, 0.8); border-bottom: 1px dashed rgba(255, 255, 255, 0.12); }
.contact-hours .row:last-child { border-bottom: none; }
.contact-hours .row span:last-child { color: var(--white); font-weight: 600; }

/* ---------- Legal ---------- */
.legal-content { max-width: 820px; margin-inline: auto; }
.legal-content h2 { font-size: 1.4rem; margin: 32px 0 12px; color: var(--charcoal); }
.legal-content h2:first-child { margin-top: 0; }
.legal-content h3 { font-size: 1.1rem; margin: 22px 0 10px; color: var(--magenta-600); }
.legal-content p { color: var(--slate); margin-bottom: 14px; line-height: 1.7; }
.legal-content ul { list-style: disc; padding-left: 22px; margin-bottom: 16px; }
.legal-content ul li { color: var(--slate); margin-bottom: 8px; line-height: 1.65; }
.legal-content a { color: var(--magenta-500); font-weight: 500; }
.legal-toc { background: var(--off-white); border: 1px solid var(--line); border-radius: var(--radius-md); padding: 24px 28px; margin-bottom: 32px; }
.legal-toc h4 { font-size: 1rem; margin-bottom: 12px; color: var(--charcoal); }
.legal-toc ol { list-style: decimal; padding-left: 22px; display: grid; gap: 6px; }
.legal-toc ol li a { color: var(--slate); font-size: 0.92rem; }
.legal-toc ol li a:hover { color: var(--magenta-600); }
.legal-meta { display: inline-flex; align-items: center; gap: 8px; padding: 8px 14px; background: var(--magenta-50); color: var(--magenta-600); border-radius: var(--radius-full); font-size: 0.82rem; font-weight: 600; margin-bottom: 24px; }

/* ---------- Section alt ---------- */
.section-alt { background: var(--grad-soft); }

/* ---------- Apply page ---------- */
.apply-wrap { display: grid; grid-template-columns: 1fr 1.3fr; gap: 40px; align-items: start; }
.apply-info h2 { font-size: clamp(1.5rem, 2.6vw, 2rem); margin-bottom: 14px; }
.apply-info > p { color: var(--slate); margin-bottom: 24px; line-height: 1.7; }
.apply-benefits { display: grid; gap: 18px; }
.apply-benefits li { display: flex; align-items: flex-start; gap: 14px; }
.benefit-icon { width: 40px; height: 40px; border-radius: 10px; background: var(--magenta-50); color: var(--magenta-500); display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.apply-benefits li h4 { font-size: 1rem; margin-bottom: 4px; }
.apply-benefits li p { font-size: 0.9rem; color: var(--slate); margin: 0; line-height: 1.6; }
.apply-info-cta { margin-top: 28px; padding: 24px; background: var(--grad-soft); border-radius: var(--radius-md); border: 1px solid var(--line); }
.apply-info-cta p { color: var(--slate); margin-bottom: 14px; font-size: 0.92rem; }
.apply-info-cta h4 { font-size: 1.05rem; margin-bottom: 6px; }

.form-card-wrap { position: sticky; top: 100px; }
.form-card h3 { font-size: 1.5rem; margin-bottom: 6px; }
.form-subtitle { color: var(--slate); font-size: 0.92rem; margin-bottom: 26px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.form-group { margin-bottom: 18px; }
.form-group label { display: block; font-size: 0.85rem; font-weight: 600; color: var(--charcoal); margin-bottom: 8px; }
.form-group input, .form-group select, .form-group textarea {
  width: 100%; padding: 13px 16px; border: 1.5px solid var(--line-soft);
  border-radius: var(--radius-sm); background: var(--white); color: var(--charcoal);
  transition: border-color var(--t-fast), box-shadow var(--t-fast); font-size: 0.95rem;
}
.form-group input:focus, .form-group select:focus, .form-group textarea:focus { outline: none; border-color: var(--magenta-500); box-shadow: 0 0 0 4px rgba(192, 5, 100, 0.12); }
.form-group input.error, .form-group select.error, .form-group textarea.error { border-color: var(--error); box-shadow: 0 0 0 4px rgba(220, 38, 38, 0.1); }
.form-group textarea { min-height: 100px; resize: vertical; }
.form-group select { appearance: none; background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='14' height='14' viewBox='0 0 24 24' fill='none' stroke='%23666666' stroke-width='2.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='6 9 12 15 18 9'%3E%3C/polyline%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 16px center; padding-right: 40px; }
.form-note { text-align: center; font-size: 0.82rem; color: var(--slate); margin-top: 14px; }
.form-note a { color: var(--magenta-500); font-weight: 500; }

/* ---------- Contact page ---------- */
.contact-info-side h2 { font-size: clamp(1.5rem, 2.6vw, 2rem); margin-bottom: 14px; }
.contact-info-side > p { color: var(--slate); margin-bottom: 28px; line-height: 1.7; }
.contact-info-item { display: flex; align-items: flex-start; gap: 16px; padding: 18px 0; border-bottom: 1px solid var(--line); }
.contact-info-item:last-of-type { border-bottom: none; }
.contact-info-icon { width: 48px; height: 48px; border-radius: 12px; background: var(--magenta-50); color: var(--magenta-500); display: flex; align-items: center; justify-content: center; flex-shrink: 0; transition: background var(--t-base), color var(--t-base); }
.contact-info-item:hover .contact-info-icon { background: var(--grad-primary); color: var(--white); }
.contact-info-item h4 { font-size: 1rem; margin-bottom: 4px; }
.contact-info-item a, .contact-info-item p { color: var(--slate); font-size: 0.92rem; margin: 0; line-height: 1.5; }
.contact-info-item a:hover { color: var(--magenta-600); }
.contact-quick-cta { margin-top: 28px; padding: 28px; background: var(--grad-calc); border-radius: var(--radius-lg); color: var(--white); }
.contact-quick-cta h4 { color: var(--white); font-size: 1.15rem; margin-bottom: 8px; }
.contact-quick-cta p { color: rgba(255, 255, 255, 0.8); font-size: 0.92rem; margin-bottom: 18px; }

/* ---------- Legal layout ---------- */
.legal-layout { display: grid; grid-template-columns: 260px 1fr; gap: 40px; align-items: start; }
.legal-toc { position: sticky; top: 100px; background: var(--white); border: 1px solid var(--line); border-radius: var(--radius-md); padding: 24px 24px; }
.legal-toc h4 { font-size: 1rem; margin-bottom: 14px; color: var(--charcoal); padding-bottom: 12px; border-bottom: 2px solid var(--magenta-50); }
.legal-toc ul { display: grid; gap: 8px; }
.legal-toc ul li a { color: var(--slate); font-size: 0.88rem; transition: color var(--t-fast), padding-left var(--t-fast); }
.legal-toc ul li a:hover { color: var(--magenta-600); padding-left: 4px; }
.legal-content { max-width: 100%; }
.legal-updated { display: inline-block; padding: 6px 14px; background: var(--magenta-50); color: var(--magenta-600); border-radius: var(--radius-full); font-size: 0.82rem; font-weight: 600; margin-bottom: 28px; }
.legal-block { margin-bottom: 28px; padding-bottom: 28px; border-bottom: 1px solid var(--line); }
.legal-block:last-child { border-bottom: none; }
.legal-block h2 { font-size: 1.35rem; margin-bottom: 14px; color: var(--charcoal); }
.legal-block h3 { font-size: 1.05rem; margin: 18px 0 10px; color: var(--magenta-600); }
.legal-block p { color: var(--slate); margin-bottom: 14px; line-height: 1.7; }
.legal-block ul { list-style: disc; padding-left: 22px; margin-bottom: 16px; }
.legal-block ul li { color: var(--slate); margin-bottom: 8px; line-height: 1.65; }
.legal-block a { color: var(--magenta-500); font-weight: 500; }
.legal-block a:hover { color: var(--magenta-600); }

/* ---------- Footer ---------- */
.site-footer { background: var(--grad-footer); color: rgba(255, 255, 255, 0.82); padding-top: 64px; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1.2fr; gap: 40px; padding-bottom: 48px; border-bottom: 1px solid rgba(255, 255, 255, 0.12); }
.footer-brand .brand { margin-bottom: 18px; }
.footer-brand .brand-name { color: var(--white); }
.footer-brand .brand-tag { color: rgba(255, 255, 255, 0.7); }
.site-footer .brand-text { display: none; }
.footer-brand p { color: rgba(255, 255, 255, 0.75); font-size: 0.92rem; line-height: 1.7; margin-bottom: 20px; max-width: 320px; }
.footer-social { display: flex; gap: 10px; }
.footer-social a { width: 38px; height: 38px; border-radius: 10px; background: rgba(255, 255, 255, 0.1); border: 1px solid rgba(255, 255, 255, 0.15); display: flex; align-items: center; justify-content: center; color: rgba(255, 255, 255, 0.88); transition: background var(--t-base), color var(--t-base), transform var(--t-fast); }
.footer-social a:hover { background: var(--grad-gold); color: var(--charcoal); transform: translateY(-2px); }
.footer-col h4 { color: var(--white); font-size: 1rem; margin-bottom: 18px; font-weight: 700; }
.footer-col ul { display: grid; gap: 10px; }
.footer-col ul a { color: var(--gold-400); font-size: 0.92rem; transition: color var(--t-fast), padding-left var(--t-fast); }
.footer-col ul a:hover { color: var(--white); padding-left: 4px; }
.footer-contact .item { display: flex; align-items: flex-start; gap: 12px; margin-bottom: 14px; color: rgba(255, 255, 255, 0.82); font-size: 0.92rem; }
.footer-contact .item .icon { width: 36px; height: 36px; border-radius: 10px; background: rgba(255, 255, 255, 0.1); border: 1px solid rgba(255, 255, 255, 0.15); display: flex; align-items: center; justify-content: center; color: var(--gold-400); flex-shrink: 0; }
.footer-contact .item a { color: var(--gold-400); word-break: break-word; }
.footer-contact .item a:hover { color: var(--white); }
.footer-bottom { display: flex; align-items: center; justify-content: space-between; flex-wrap: wrap; gap: 12px; padding: 22px 0; font-size: 0.88rem; color: rgba(255, 255, 255, 0.7); }
.footer-bottom .credit { display: flex; align-items: center; gap: 6px; }
.footer-bottom .credit a { color: var(--gold-400); font-weight: 600; }
.footer-bottom .credit a:hover { color: var(--white); }

/* ---------- Floating Buttons ---------- */
.floating-btns { position: fixed; right: 20px; bottom: 24px; z-index: 900; display: flex; flex-direction: column; gap: 12px; }
.whatsapp-btn { width: 56px; height: 56px; border-radius: 50%; background: #25d366; color: var(--white); display: flex; align-items: center; justify-content: center; box-shadow: 0 12px 28px rgba(37, 211, 102, 0.4); transition: transform var(--t-base), box-shadow var(--t-base); position: relative; }
.whatsapp-btn:hover { transform: scale(1.08); box-shadow: 0 16px 36px rgba(37, 211, 102, 0.5); color: var(--white); }
.whatsapp-btn::after { content: ""; position: absolute; inset: 0; border-radius: 50%; border: 2px solid #25d366; animation: ring 2s infinite; opacity: 0; }
@keyframes ring { 0% { transform: scale(1); opacity: 0.6; } 100% { transform: scale(1.5); opacity: 0; } }
.back-to-top { width: 48px; height: 48px; border-radius: 50%; background: var(--grad-primary); color: var(--white); display: flex; align-items: center; justify-content: center; box-shadow: var(--shadow-lg); opacity: 0; visibility: hidden; transform: translateY(12px); transition: opacity var(--t-base), transform var(--t-base), visibility var(--t-base); }
.back-to-top.show { opacity: 1; visibility: visible; transform: translateY(0); }
.back-to-top:hover { transform: translateY(-3px); color: var(--white); }

/* ---------- Scroll Reveal ---------- */
.reveal { opacity: 0; transform: translateY(24px); transition: opacity 0.7s ease, transform 0.7s ease; }
.reveal.visible { opacity: 1; transform: translateY(0); }
.reveal.delay-1 { transition-delay: 0.08s; }
.reveal.delay-2 { transition-delay: 0.16s; }
.reveal.delay-3 { transition-delay: 0.24s; }
.reveal.delay-4 { transition-delay: 0.32s; }

/* ---------- Responsive ---------- */
@media (max-width: 1024px) {
  .services-grid, .service-detail-grid { grid-template-columns: repeat(3, 1fr); }
  .profiles-grid { grid-template-columns: repeat(5, 1fr); }
  .footer-grid { grid-template-columns: 1.2fr 1fr 1fr; }
  .footer-brand { grid-column: 1 / -1; }
}
@media (max-width: 900px) {
  .main-nav, .header-cta .btn-apply-desktop { display: none; }
  .menu-toggle { display: flex; }
  .hero-grid { grid-template-columns: 1fr; gap: 40px; }
  .hero-card { max-width: 480px; }
  .calc-wrap { grid-template-columns: 1fr; }
  .contact-grid { grid-template-columns: 1fr; }
  .apply-wrap { grid-template-columns: 1fr; gap: 32px; }
  .form-card-wrap { position: static; }
  .legal-layout { grid-template-columns: 1fr; }
  .legal-toc { position: static; }
  .about-grid { grid-template-columns: 1fr; gap: 32px; }
  .steps-grid { grid-template-columns: repeat(2, 1fr); }
  .features-grid, .mv-grid, .testimonials-grid { grid-template-columns: repeat(2, 1fr); }
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .cat-grid { grid-template-columns: 1fr; }
}
@media (max-width: 640px) {
  .container { padding-inline: 18px; }
  .section { padding-block: var(--space-8); }
  .services-grid, .service-detail-grid, .features-grid, .mv-grid, .testimonials-grid, .steps-grid, .stats-grid { grid-template-columns: 1fr; }
  .profiles-grid { grid-template-columns: repeat(3, 1fr); }
  .hero-trust { grid-template-columns: 1fr; }
  .form-grid { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .tenure-row { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; gap: 32px; }
  .footer-brand { grid-column: auto; }
  .footer-bottom { flex-direction: column; text-align: center; align-items: center; }
  .footer-bottom .credit { justify-content: center; }
  .hero-actions .btn { flex: 1; }
  .calc-form, .calc-result { padding: 24px; }
  .form-actions { justify-content: stretch; }
  .form-actions .btn { flex: 1; }
  .floating-btns { right: 14px; bottom: 18px; }
}
@media (max-width: 420px) {
  .profiles-grid { grid-template-columns: repeat(2, 1fr); }
  .brand-tag { display: none; }
}
@media print {
  .site-header, .floating-btns, .menu-toggle, .mobile-drawer, .overlay { display: none !important; }
}