/* =========================================================
   SOLIDFUND FINANCE — Premium Financial Services Stylesheet
   ========================================================= */

:root {
    --color-primary: #0f7a52;
    --color-primary-dark: #0a5a3c;
    --color-primary-light: #14a37a;
    --color-primary-pale: #e8f5ef;
    --color-navy: #0a1f3a;
    --color-navy-light: #1a3458;
    --color-gold: #b88f3a;
    --color-gold-light: #d4af5a;
    --color-white: #ffffff;
    --color-bg: #f8f9fb;
    --color-bg-light: #fafbfc;
    --color-text: #1a2b40;
    --color-text-light: #5a6b80;
    --color-text-muted: #8a98a8;
    --color-border: #e4e8ee;
    --color-border-light: #eef1f5;

    --shadow-sm: 0 1px 3px rgba(15, 40, 80, 0.06);
    --shadow-md: 0 4px 16px rgba(15, 40, 80, 0.08);
    --shadow-lg: 0 10px 40px rgba(15, 40, 80, 0.12);
    --shadow-xl: 0 20px 60px rgba(15, 40, 80, 0.15);

    --radius-sm: 6px;
    --radius-md: 12px;
    --radius-lg: 18px;
    --radius-xl: 24px;

    --container: 1240px;
    --header-h: 80px;

    --font-heading: 'Playfair Display', Georgia, serif;
    --font-body: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;

    --transition: all 0.35s cubic-bezier(0.4, 0, 0.2, 1);
}

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

html {
    scroll-behavior: smooth;
    -webkit-text-size-adjust: 100%;
}

body {
    font-family: var(--font-body);
    font-size: 16px;
    line-height: 1.65;
    color: var(--color-text);
    background-color: var(--color-white);
    overflow-x: hidden;
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
}

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

a {
    color: var(--color-primary);
    text-decoration: none;
    transition: var(--transition);
}

a:hover { color: var(--color-primary-dark); }

h1, h2, h3, h4, h5, h6 {
    font-family: var(--font-heading);
    font-weight: 600;
    line-height: 1.25;
    color: var(--color-navy);
    letter-spacing: -0.01em;
}

h1 { font-size: clamp(2.2rem, 4.5vw, 3.6rem); }
h2 { font-size: clamp(1.8rem, 3.2vw, 2.6rem); }
h3 { font-size: clamp(1.3rem, 2vw, 1.6rem); }
h4 { font-size: 1.2rem; }

p { margin-bottom: 1rem; color: var(--color-text-light); }
p:last-child { margin-bottom: 0; }

ul, ol { list-style: none; }

/* ===== Layout ===== */
.container {
    width: 100%;
    max-width: var(--container);
    margin: 0 auto;
    padding: 0 24px;
}

section {
    padding: 80px 0;
    position: relative;
}

.section-header {
    text-align: center;
    max-width: 760px;
    margin: 0 auto 56px;
}

.section-tag {
    display: inline-block;
    padding: 6px 16px;
    background-color: var(--color-primary-pale);
    color: var(--color-primary);
    border-radius: 100px;
    font-size: 0.82rem;
    font-weight: 600;
    letter-spacing: 0.06em;
    text-transform: uppercase;
    margin-bottom: 18px;
}

.section-header h2 {
    margin-bottom: 16px;
}

.section-header p {
    font-size: 1.08rem;
    color: var(--color-text-light);
}

/* ===== Buttons ===== */
.btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 10px;
    padding: 14px 30px;
    font-family: var(--font-body);
    font-size: 0.95rem;
    font-weight: 600;
    border-radius: var(--radius-md);
    border: 2px solid transparent;
    cursor: pointer;
    text-align: center;
    transition: var(--transition);
    white-space: nowrap;
    letter-spacing: 0.01em;
}

.btn-primary {
    background-color: var(--color-primary);
    color: var(--color-white);
    box-shadow: 0 4px 14px rgba(15, 122, 82, 0.3);
}

.btn-primary:hover {
    background-color: var(--color-primary-dark);
    color: var(--color-white);
    transform: translateY(-2px);
    box-shadow: 0 8px 22px rgba(15, 122, 82, 0.4);
}

.btn-secondary {
    background-color: var(--color-navy);
    color: var(--color-white);
}

.btn-secondary:hover {
    background-color: var(--color-navy-light);
    color: var(--color-white);
    transform: translateY(-2px);
}

.btn-outline {
    background-color: transparent;
    color: var(--color-white);
    border-color: rgba(255, 255, 255, 0.6);
}

.btn-outline:hover {
    background-color: var(--color-white);
    color: var(--color-primary);
    border-color: var(--color-white);
}

.btn-ghost {
    background-color: var(--color-white);
    color: var(--color-navy);
    border-color: var(--color-border);
}

.btn-ghost:hover {
    border-color: var(--color-primary);
    color: var(--color-primary);
    transform: translateY(-2px);
}

.btn-lg { padding: 16px 36px; font-size: 1rem; }
.btn-sm { padding: 10px 22px; font-size: 0.85rem; }

.btn-block { display: flex; width: 100%; }

/* ===== Header / Navigation ===== */
.site-header {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
    height: var(--header-h);
    background-color: rgba(255, 255, 255, 0.96);
    backdrop-filter: saturate(180%) blur(14px);
    -webkit-backdrop-filter: saturate(180%) blur(14px);
    border-bottom: 1px solid var(--color-border-light);
    z-index: 1000;
    transition: var(--transition);
}

.site-header.scrolled {
    box-shadow: var(--shadow-md);
}

.nav-wrap {
    display: flex;
    align-items: center;
    justify-content: space-between;
    height: 100%;
    gap: 24px;
}

.logo {
    display: flex;
    align-items: center;
    gap: 10px;
    color: var(--color-navy);
    font-weight: 700;
    font-family: var(--font-heading);
    flex-shrink: 0;
}

.logo-mark {
    width: 38px;
    height: 38px;
    background: linear-gradient(135deg, var(--color-primary) 0%, var(--color-primary-dark) 100%);
    border-radius: 10px;
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--color-white);
    box-shadow: 0 4px 12px rgba(15, 122, 82, 0.3);
}

.logo-text {
    display: flex;
    flex-direction: column;
    line-height: 1.1;
}

.logo-text .brand {
    font-size: 1.05rem;
    font-weight: 700;
    letter-spacing: 0.04em;
    color: var(--color-navy);
}

.logo-text .sub {
    font-size: 0.7rem;
    font-weight: 500;
    letter-spacing: 0.18em;
    color: var(--color-primary);
    text-transform: uppercase;
}

.nav-menu {
    display: flex;
    align-items: center;
    gap: 6px;
}

.nav-menu a {
    display: inline-block;
    padding: 8px 14px;
    color: var(--color-text);
    font-size: 0.92rem;
    font-weight: 500;
    border-radius: var(--radius-sm);
    transition: var(--transition);
}

.nav-menu a:hover,
.nav-menu a.active {
    color: var(--color-primary);
    background-color: var(--color-primary-pale);
}

.nav-actions {
    display: flex;
    align-items: center;
    gap: 12px;
}

.nav-phone {
    display: flex;
    align-items: center;
    gap: 8px;
    padding: 8px 14px;
    color: var(--color-navy);
    font-size: 0.88rem;
    font-weight: 600;
    border: 1px solid var(--color-border);
    border-radius: var(--radius-md);
}

.nav-phone:hover {
    border-color: var(--color-primary);
    color: var(--color-primary);
}

.nav-phone svg { width: 16px; height: 16px; }

.nav-toggle {
    display: none;
    background: none;
    border: none;
    width: 40px;
    height: 40px;
    cursor: pointer;
    color: var(--color-navy);
}

.nav-toggle svg { width: 26px; height: 26px; }

/* ===== Hero Section ===== */
.hero {
    position: relative;
    min-height: 92vh;
    display: flex;
    align-items: center;
    color: var(--color-white);
    padding-top: var(--header-h);
    overflow: hidden;
    isolation: isolate;
}

.hero-bg {
    position: absolute;
    inset: 0;
    z-index: -2;
}

.hero-bg img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    object-position: center;
}

.hero-bg::after {
    content: "";
    position: absolute;
    inset: 0;
    background: linear-gradient(135deg,
        rgba(10, 31, 58, 0.85) 0%,
        rgba(10, 31, 58, 0.55) 50%,
        rgba(15, 122, 82, 0.55) 100%);
    z-index: -1;
}

.hero-content {
    max-width: 820px;
    padding: 60px 0;
}

.hero-tag {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    padding: 8px 18px;
    background-color: rgba(212, 175, 90, 0.15);
    border: 1px solid rgba(212, 175, 90, 0.4);
    border-radius: 100px;
    color: var(--color-gold-light);
    font-size: 0.85rem;
    font-weight: 600;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    margin-bottom: 24px;
    backdrop-filter: blur(8px);
}

.hero h1 {
    color: var(--color-white);
    margin-bottom: 22px;
    font-weight: 500;
    text-shadow: 0 2px 30px rgba(0, 0, 0, 0.25);
}

.hero-sub {
    font-size: 1.18rem;
    line-height: 1.65;
    color: rgba(255, 255, 255, 0.92);
    margin-bottom: 38px;
    max-width: 700px;
    text-shadow: 0 1px 8px rgba(0, 0, 0, 0.2);
}

.hero-actions {
    display: flex;
    gap: 14px;
    flex-wrap: wrap;
}

.hero-trust {
    margin-top: 56px;
    display: flex;
    flex-wrap: wrap;
    gap: 36px;
    padding-top: 32px;
    border-top: 1px solid rgba(255, 255, 255, 0.2);
}

.hero-trust-item {
    display: flex;
    align-items: center;
    gap: 12px;
}

.hero-trust-item .icon {
    width: 44px;
    height: 44px;
    background-color: rgba(255, 255, 255, 0.12);
    backdrop-filter: blur(10px);
    border-radius: var(--radius-md);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--color-gold-light);
    flex-shrink: 0;
}

.hero-trust-item .text {
    font-size: 0.88rem;
    color: rgba(255, 255, 255, 0.9);
}

.hero-trust-item .text strong {
    display: block;
    color: var(--color-white);
    font-size: 0.95rem;
    margin-bottom: 2px;
}

/* ===== Value Cards ===== */
.values {
    background-color: var(--color-bg);
    padding: 100px 0;
}

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

.value-card {
    background-color: var(--color-white);
    padding: 32px 28px;
    border-radius: var(--radius-lg);
    border: 1px solid var(--color-border-light);
    transition: var(--transition);
    position: relative;
    overflow: hidden;
}

.value-card::before {
    content: "";
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 3px;
    background: linear-gradient(90deg, var(--color-primary) 0%, var(--color-gold) 100%);
    transform: scaleX(0);
    transform-origin: left;
    transition: transform 0.4s ease;
}

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

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

.value-icon {
    width: 56px;
    height: 56px;
    background: linear-gradient(135deg, var(--color-primary-pale) 0%, #d6efe2 100%);
    border-radius: var(--radius-md);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--color-primary);
    margin-bottom: 22px;
}

.value-card h3 {
    margin-bottom: 12px;
    font-size: 1.15rem;
}

.value-card p {
    font-size: 0.92rem;
    color: var(--color-text-light);
    margin: 0;
}

/* ===== Loan Product Cards ===== */
.products {
    background-color: var(--color-white);
}

.products-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 28px;
}

.product-card {
    background-color: var(--color-white);
    border-radius: var(--radius-xl);
    overflow: hidden;
    box-shadow: var(--shadow-sm);
    border: 1px solid var(--color-border-light);
    transition: var(--transition);
    display: flex;
    flex-direction: column;
}

.product-card:hover {
    transform: translateY(-8px);
    box-shadow: var(--shadow-xl);
    border-color: transparent;
}

.product-image {
    position: relative;
    aspect-ratio: 16 / 10;
    overflow: hidden;
}

.product-image img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    transition: transform 0.6s ease;
}

.product-card:hover .product-image img {
    transform: scale(1.06);
}

.product-image::after {
    content: "";
    position: absolute;
    inset: 0;
    background: linear-gradient(180deg, transparent 50%, rgba(10, 31, 58, 0.4) 100%);
}

.product-badge {
    position: absolute;
    top: 16px;
    left: 16px;
    padding: 6px 14px;
    background-color: var(--color-white);
    color: var(--color-primary);
    border-radius: 100px;
    font-size: 0.78rem;
    font-weight: 600;
    letter-spacing: 0.04em;
    z-index: 2;
    box-shadow: var(--shadow-sm);
}

.product-body {
    padding: 28px 26px 30px;
    display: flex;
    flex-direction: column;
    flex-grow: 1;
}

.product-body h3 {
    margin-bottom: 12px;
    font-size: 1.35rem;
}

.product-body p {
    color: var(--color-text-light);
    font-size: 0.95rem;
    margin-bottom: 22px;
    flex-grow: 1;
}

.product-link {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    color: var(--color-primary);
    font-weight: 600;
    font-size: 0.92rem;
    margin-top: auto;
}

.product-link svg {
    transition: transform 0.3s ease;
}

.product-link:hover svg {
    transform: translateX(4px);
}

/* ===== Process Timeline ===== */
.process {
    background-color: var(--color-bg);
    position: relative;
}

.process-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 24px;
    position: relative;
}

.process-card {
    background-color: var(--color-white);
    padding: 36px 28px 32px;
    border-radius: var(--radius-lg);
    border: 1px solid var(--color-border-light);
    position: relative;
    transition: var(--transition);
    text-align: left;
}

.process-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-lg);
}

.process-number {
    display: flex;
    align-items: center;
    justify-content: center;
    width: 56px;
    height: 56px;
    background: linear-gradient(135deg, var(--color-primary) 0%, var(--color-primary-dark) 100%);
    color: var(--color-white);
    font-family: var(--font-heading);
    font-size: 1.4rem;
    font-weight: 700;
    border-radius: var(--radius-md);
    margin-bottom: 22px;
    box-shadow: 0 6px 16px rgba(15, 122, 82, 0.25);
}

.process-card h3 {
    margin-bottom: 10px;
    font-size: 1.18rem;
    color: var(--color-navy);
}

.process-card p {
    font-size: 0.92rem;
    margin: 0;
}

.process-notice {
    margin-top: 48px;
    padding: 22px 28px;
    background-color: var(--color-primary-pale);
    border-left: 4px solid var(--color-primary);
    border-radius: var(--radius-md);
    color: var(--color-navy);
    font-size: 0.95rem;
    text-align: center;
    max-width: 760px;
    margin-left: auto;
    margin-right: auto;
}

/* ===== Feature Sections ===== */
.feature {
    padding: 100px 0;
}

.feature-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 64px;
    align-items: center;
}

.feature.reverse .feature-grid { direction: rtl; }
.feature.reverse .feature-grid > * { direction: ltr; }

.feature-image {
    position: relative;
    border-radius: var(--radius-xl);
    overflow: hidden;
    aspect-ratio: 4 / 3;
    box-shadow: var(--shadow-lg);
}

.feature-image img {
    width: 100%;
    height: 100%;
    object-fit: cover;
}

.feature-image-tag {
    position: absolute;
    bottom: 24px;
    left: 24px;
    right: 24px;
    background-color: rgba(255, 255, 255, 0.96);
    backdrop-filter: blur(10px);
    padding: 16px 22px;
    border-radius: var(--radius-md);
    display: flex;
    align-items: center;
    gap: 12px;
    box-shadow: var(--shadow-md);
}

.feature-image-tag .icon {
    width: 38px;
    height: 38px;
    background-color: var(--color-primary-pale);
    color: var(--color-primary);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
}

.feature-image-tag strong {
    display: block;
    color: var(--color-navy);
    font-size: 0.92rem;
    margin-bottom: 2px;
}

.feature-image-tag span {
    font-size: 0.82rem;
    color: var(--color-text-light);
}

.feature-text .section-tag { margin-bottom: 18px; }

.feature-text h2 {
    margin-bottom: 18px;
    font-size: clamp(1.8rem, 3vw, 2.4rem);
}

.feature-text > p {
    font-size: 1.05rem;
    color: var(--color-text-light);
    margin-bottom: 24px;
}

.feature-list {
    margin: 24px 0 32px;
    display: flex;
    flex-direction: column;
    gap: 14px;
}

.feature-list li {
    display: flex;
    align-items: flex-start;
    gap: 12px;
    color: var(--color-text);
    font-size: 0.96rem;
}

.feature-list li .icon {
    width: 22px;
    height: 22px;
    color: var(--color-primary);
    flex-shrink: 0;
    margin-top: 2px;
}

/* ===== CTA Banner ===== */
.cta-banner {
    background: linear-gradient(135deg, var(--color-navy) 0%, var(--color-navy-light) 100%);
    color: var(--color-white);
    padding: 80px 0;
    position: relative;
    overflow: hidden;
}

.cta-banner::before {
    content: "";
    position: absolute;
    top: -100px;
    right: -100px;
    width: 400px;
    height: 400px;
    background: radial-gradient(circle, rgba(212, 175, 90, 0.15) 0%, transparent 70%);
    border-radius: 50%;
}

.cta-banner::after {
    content: "";
    position: absolute;
    bottom: -150px;
    left: -100px;
    width: 400px;
    height: 400px;
    background: radial-gradient(circle, rgba(15, 122, 82, 0.2) 0%, transparent 70%);
    border-radius: 50%;
}

.cta-inner {
    position: relative;
    z-index: 1;
    text-align: center;
    max-width: 760px;
    margin: 0 auto;
}

.cta-inner h2 {
    color: var(--color-white);
    margin-bottom: 18px;
}

.cta-inner p {
    font-size: 1.08rem;
    color: rgba(255, 255, 255, 0.85);
    margin-bottom: 32px;
}

.cta-actions {
    display: flex;
    gap: 14px;
    justify-content: center;
    flex-wrap: wrap;
}

/* ===== Footer ===== */
.site-footer {
    background-color: var(--color-navy);
    color: rgba(255, 255, 255, 0.7);
    padding: 80px 0 32px;
}

.footer-grid {
    display: grid;
    grid-template-columns: 1.5fr 1fr 1fr 1fr;
    gap: 48px;
    margin-bottom: 56px;
}

.footer-brand .logo-text .brand { color: var(--color-white); }
.footer-brand .logo-text .sub { color: var(--color-gold-light); }

.footer-brand > p {
    margin-top: 18px;
    font-size: 0.92rem;
    color: rgba(255, 255, 255, 0.7);
    line-height: 1.7;
    max-width: 340px;
}

.footer-social {
    display: flex;
    gap: 10px;
    margin-top: 22px;
}

.footer-social a {
    width: 38px;
    height: 38px;
    background-color: rgba(255, 255, 255, 0.08);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: rgba(255, 255, 255, 0.7);
    transition: var(--transition);
}

.footer-social a:hover {
    background-color: var(--color-primary);
    color: var(--color-white);
    transform: translateY(-2px);
}

.footer-col h4 {
    color: var(--color-white);
    font-size: 0.95rem;
    font-weight: 600;
    letter-spacing: 0.06em;
    text-transform: uppercase;
    margin-bottom: 22px;
    font-family: var(--font-body);
}

.footer-col ul {
    display: flex;
    flex-direction: column;
    gap: 12px;
}

.footer-col a {
    color: rgba(255, 255, 255, 0.7);
    font-size: 0.92rem;
}

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

.footer-contact {
    margin-top: 18px;
    display: flex;
    flex-direction: column;
    gap: 12px;
}

.footer-contact a {
    display: flex;
    align-items: center;
    gap: 10px;
    color: rgba(255, 255, 255, 0.8);
    font-size: 0.92rem;
}

.footer-contact a svg { width: 16px; height: 16px; color: var(--color-gold-light); }

.footer-bottom {
    padding-top: 28px;
    border-top: 1px solid rgba(255, 255, 255, 0.1);
    display: flex;
    justify-content: space-between;
    align-items: center;
    flex-wrap: wrap;
    gap: 16px;
    font-size: 0.86rem;
    color: rgba(255, 255, 255, 0.55);
}

.footer-bottom-links {
    display: flex;
    gap: 20px;
    flex-wrap: wrap;
}

.footer-bottom-links a {
    color: rgba(255, 255, 255, 0.55);
    font-size: 0.86rem;
}

.footer-bottom-links a:hover { color: var(--color-gold-light); }

/* ===== WhatsApp Float Button ===== */
.whatsapp-float {
    position: fixed;
    right: 24px;
    bottom: 24px;
    z-index: 998;
    display: flex;
    align-items: center;
    gap: 12px;
}

.whatsapp-btn {
    width: 60px;
    height: 60px;
    border-radius: 50%;
    background-color: #25d366;
    color: var(--color-white);
    display: flex;
    align-items: center;
    justify-content: center;
    box-shadow: 0 8px 24px rgba(37, 211, 102, 0.4);
    transition: var(--transition);
    animation: whatsappPulse 2s infinite;
    cursor: pointer;
}

.whatsapp-btn:hover {
    transform: scale(1.08);
    background-color: #20bf5b;
    color: var(--color-white);
}

.whatsapp-btn svg { width: 30px; height: 30px; }

@keyframes whatsappPulse {
    0% { box-shadow: 0 8px 24px rgba(37, 211, 102, 0.4); }
    70% { box-shadow: 0 8px 24px rgba(37, 211, 102, 0.4), 0 0 0 14px rgba(37, 211, 102, 0); }
    100% { box-shadow: 0 8px 24px rgba(37, 211, 102, 0.4), 0 0 0 0 rgba(37, 211, 102, 0); }
}

.whatsapp-tooltip {
    background-color: var(--color-white);
    color: var(--color-navy);
    padding: 10px 16px;
    border-radius: var(--radius-md);
    font-size: 0.88rem;
    font-weight: 600;
    box-shadow: var(--shadow-md);
    white-space: nowrap;
    position: relative;
}

.whatsapp-tooltip::after {
    content: "";
    position: absolute;
    right: -6px;
    top: 50%;
    transform: translateY(-50%);
    border-width: 6px 0 6px 6px;
    border-style: solid;
    border-color: transparent transparent transparent var(--color-white);
}

/* ===== Page Hero (sub pages) ===== */
.page-hero {
    padding-top: calc(var(--header-h) + 60px);
    padding-bottom: 70px;
    background: linear-gradient(135deg, var(--color-navy) 0%, #15355c 100%);
    color: var(--color-white);
    position: relative;
    overflow: hidden;
}

.page-hero::before {
    content: "";
    position: absolute;
    top: -100px;
    right: -50px;
    width: 360px;
    height: 360px;
    background: radial-gradient(circle, rgba(15, 122, 82, 0.2) 0%, transparent 70%);
    border-radius: 50%;
}

.page-hero::after {
    content: "";
    position: absolute;
    bottom: -150px;
    left: -100px;
    width: 400px;
    height: 400px;
    background: radial-gradient(circle, rgba(212, 175, 90, 0.12) 0%, transparent 70%);
    border-radius: 50%;
}

.page-hero-inner {
    position: relative;
    z-index: 1;
    max-width: 820px;
}

.breadcrumb {
    display: flex;
    align-items: center;
    gap: 8px;
    margin-bottom: 24px;
    font-size: 0.88rem;
    color: rgba(255, 255, 255, 0.7);
}

.breadcrumb a {
    color: rgba(255, 255, 255, 0.7);
}

.breadcrumb a:hover { color: var(--color-gold-light); }

.breadcrumb span { color: rgba(255, 255, 255, 0.4); }

.page-hero h1 {
    color: var(--color-white);
    margin-bottom: 18px;
    font-weight: 500;
}

.page-hero p {
    font-size: 1.1rem;
    color: rgba(255, 255, 255, 0.85);
    margin: 0;
    max-width: 720px;
}

.page-hero .btn {
    margin-top: 28px;
}

/* ===== Stats ===== */
.stats {
    background-color: var(--color-bg);
    padding: 60px 0;
}

.stats-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 32px;
}

.stat-card {
    text-align: center;
    padding: 24px;
    background-color: var(--color-white);
    border-radius: var(--radius-lg);
    border: 1px solid var(--color-border-light);
    transition: var(--transition);
}

.stat-card:hover {
    transform: translateY(-4px);
    box-shadow: var(--shadow-md);
}

.stat-icon {
    width: 56px;
    height: 56px;
    background-color: var(--color-primary-pale);
    color: var(--color-primary);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 16px;
}

.stat-number {
    font-family: var(--font-heading);
    font-size: 2.2rem;
    font-weight: 700;
    color: var(--color-navy);
    margin-bottom: 4px;
    line-height: 1;
}

.stat-label {
    font-size: 0.92rem;
    color: var(--color-text-light);
    font-weight: 500;
}

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

.faq-grid {
    max-width: 880px;
    margin: 0 auto;
    display: flex;
    flex-direction: column;
    gap: 14px;
}

.faq-item {
    background-color: var(--color-white);
    border: 1px solid var(--color-border-light);
    border-radius: var(--radius-md);
    overflow: hidden;
    transition: var(--transition);
}

.faq-item:hover { border-color: var(--color-primary-pale); }

.faq-item.open {
    border-color: var(--color-primary);
    box-shadow: var(--shadow-sm);
}

.faq-question {
    width: 100%;
    background: none;
    border: none;
    text-align: left;
    padding: 22px 24px;
    cursor: pointer;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 16px;
    font-family: var(--font-body);
    font-size: 1.02rem;
    font-weight: 600;
    color: var(--color-navy);
    transition: var(--transition);
}

.faq-question:hover { color: var(--color-primary); }

.faq-icon {
    width: 28px;
    height: 28px;
    border-radius: 50%;
    background-color: var(--color-primary-pale);
    color: var(--color-primary);
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    transition: var(--transition);
}

.faq-item.open .faq-icon {
    background-color: var(--color-primary);
    color: var(--color-white);
    transform: rotate(45deg);
}

.faq-answer {
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.35s ease;
}

.faq-answer-inner {
    padding: 0 24px 22px;
    color: var(--color-text-light);
    line-height: 1.7;
}

/* ===== Forms ===== */
.form-wrap {
    max-width: 760px;
    margin: 0 auto;
    background-color: var(--color-white);
    padding: 44px;
    border-radius: var(--radius-xl);
    box-shadow: var(--shadow-lg);
    border: 1px solid var(--color-border-light);
}

.form-stepper {
    display: flex;
    justify-content: space-between;
    margin-bottom: 40px;
    position: relative;
}

.form-stepper::before {
    content: "";
    position: absolute;
    top: 18px;
    left: 18px;
    right: 18px;
    height: 2px;
    background-color: var(--color-border);
    z-index: 0;
}

.step {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 8px;
    position: relative;
    z-index: 1;
    flex: 1;
}

.step .num {
    width: 36px;
    height: 36px;
    border-radius: 50%;
    background-color: var(--color-white);
    border: 2px solid var(--color-border);
    color: var(--color-text-muted);
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 600;
    font-size: 0.92rem;
    transition: var(--transition);
}

.step .label {
    font-size: 0.78rem;
    color: var(--color-text-muted);
    text-align: center;
    font-weight: 500;
}

.step.active .num {
    background-color: var(--color-primary);
    border-color: var(--color-primary);
    color: var(--color-white);
}

.step.active .label { color: var(--color-primary); font-weight: 600; }

.step.complete .num {
    background-color: var(--color-primary-dark);
    border-color: var(--color-primary-dark);
    color: var(--color-white);
}

.form-step { display: none; }
.form-step.active { display: block; animation: fadeUp 0.5s ease; }

@keyframes fadeUp {
    from { opacity: 0; transform: translateY(12px); }
    to { opacity: 1; transform: translateY(0); }
}

.form-step h3 {
    margin-bottom: 8px;
    font-size: 1.4rem;
}

.form-step > p {
    color: var(--color-text-light);
    margin-bottom: 26px;
    font-size: 0.96rem;
}

.form-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 18px;
    margin-bottom: 18px;
}

.form-row.single { grid-template-columns: 1fr; }

.form-group {
    display: flex;
    flex-direction: column;
    gap: 6px;
    margin-bottom: 18px;
}

.form-group label {
    font-size: 0.88rem;
    font-weight: 600;
    color: var(--color-navy);
}

.form-group input,
.form-group select,
.form-group textarea {
    width: 100%;
    padding: 13px 16px;
    font-family: var(--font-body);
    font-size: 0.96rem;
    color: var(--color-text);
    background-color: var(--color-bg);
    border: 1.5px solid var(--color-border);
    border-radius: var(--radius-sm);
    transition: var(--transition);
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
    outline: none;
    border-color: var(--color-primary);
    background-color: var(--color-white);
    box-shadow: 0 0 0 3px rgba(15, 122, 82, 0.1);
}

.form-group textarea { resize: vertical; min-height: 110px; }

.form-group input::placeholder,
.form-group textarea::placeholder {
    color: var(--color-text-muted);
}

.form-options {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 12px;
    margin-bottom: 24px;
}

.option-card {
    display: flex;
    align-items: center;
    gap: 12px;
    padding: 14px 16px;
    border: 1.5px solid var(--color-border);
    border-radius: var(--radius-sm);
    cursor: pointer;
    transition: var(--transition);
    background-color: var(--color-bg);
}

.option-card:hover {
    border-color: var(--color-primary);
    background-color: var(--color-primary-pale);
}

.option-card input { display: none; }

.option-card.selected {
    border-color: var(--color-primary);
    background-color: var(--color-primary-pale);
    color: var(--color-primary);
}

.option-card .check {
    width: 22px;
    height: 22px;
    border-radius: 50%;
    border: 2px solid var(--color-border);
    flex-shrink: 0;
    display: flex;
    align-items: center;
    justify-content: center;
    transition: var(--transition);
}

.option-card.selected .check {
    border-color: var(--color-primary);
    background-color: var(--color-primary);
    color: var(--color-white);
}

.form-actions {
    display: flex;
    justify-content: space-between;
    gap: 12px;
    margin-top: 28px;
    padding-top: 24px;
    border-top: 1px solid var(--color-border-light);
}

.form-actions .btn-prev {
    background: transparent;
    border: 1.5px solid var(--color-border);
    color: var(--color-text-light);
    padding: 12px 22px;
    border-radius: var(--radius-md);
    cursor: pointer;
    font-weight: 600;
    font-size: 0.92rem;
    transition: var(--transition);
    display: inline-flex;
    align-items: center;
    gap: 8px;
}

.form-actions .btn-prev:hover {
    border-color: var(--color-primary);
    color: var(--color-primary);
}

.form-actions-right {
    margin-left: auto;
    display: flex;
    gap: 10px;
}

.checkbox-row {
    display: flex;
    align-items: flex-start;
    gap: 10px;
    margin-bottom: 14px;
    font-size: 0.9rem;
    color: var(--color-text-light);
    cursor: pointer;
}

.checkbox-row input[type="checkbox"] {
    width: 18px;
    height: 18px;
    flex-shrink: 0;
    margin-top: 2px;
    accent-color: var(--color-primary);
}

.form-notice {
    margin-top: 20px;
    padding: 14px 18px;
    background-color: var(--color-primary-pale);
    border-radius: var(--radius-sm);
    font-size: 0.86rem;
    color: var(--color-navy);
}

/* ===== Success Page ===== */
.success-wrap {
    max-width: 720px;
    margin: 0 auto;
    text-align: center;
    background-color: var(--color-white);
    padding: 60px 44px;
    border-radius: var(--radius-xl);
    box-shadow: var(--shadow-lg);
}

.success-icon {
    width: 96px;
    height: 96px;
    background: linear-gradient(135deg, var(--color-primary) 0%, var(--color-primary-dark) 100%);
    color: var(--color-white);
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 28px;
    box-shadow: 0 10px 30px rgba(15, 122, 82, 0.3);
    animation: successPop 0.6s cubic-bezier(0.34, 1.56, 0.64, 1) 0.3s both;
}

@keyframes successPop {
    from { transform: scale(0); opacity: 0; }
    to { transform: scale(1); opacity: 1; }
}

.success-icon svg { width: 48px; height: 48px; }

.success-wrap h1 {
    margin-bottom: 14px;
    color: var(--color-navy);
}

.success-wrap > p {
    color: var(--color-text-light);
    font-size: 1.05rem;
    margin-bottom: 30px;
    max-width: 520px;
    margin-left: auto;
    margin-right: auto;
}

.success-ref {
    background-color: var(--color-bg);
    border: 1.5px dashed var(--color-border);
    border-radius: var(--radius-md);
    padding: 18px 24px;
    margin: 24px auto;
    max-width: 460px;
}

.success-ref .label {
    display: block;
    font-size: 0.84rem;
    color: var(--color-text-muted);
    margin-bottom: 6px;
    text-transform: uppercase;
    letter-spacing: 0.06em;
    font-weight: 600;
}

.success-ref .value {
    font-family: var(--font-heading);
    font-size: 1.4rem;
    font-weight: 700;
    color: var(--color-primary);
    letter-spacing: 0.06em;
}

.success-actions {
    display: flex;
    gap: 12px;
    justify-content: center;
    flex-wrap: wrap;
    margin-top: 28px;
}

.success-contact {
    margin-top: 36px;
    padding-top: 28px;
    border-top: 1px solid var(--color-border-light);
}

.success-contact h4 {
    margin-bottom: 16px;
    color: var(--color-navy);
}

.success-contact-list {
    display: flex;
    justify-content: center;
    gap: 22px;
    flex-wrap: wrap;
    color: var(--color-text-light);
    font-size: 0.95rem;
}

.success-contact-list a {
    display: flex;
    align-items: center;
    gap: 8px;
    color: var(--color-text-light);
}

.success-contact-list a:hover { color: var(--color-primary); }

.success-contact-list svg { color: var(--color-primary); }

/* ===== Contact Page ===== */
.contact-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 56px;
}

.contact-info {
    display: flex;
    flex-direction: column;
    gap: 22px;
}

.contact-card {
    display: flex;
    align-items: flex-start;
    gap: 16px;
    padding: 22px 24px;
    background-color: var(--color-white);
    border: 1px solid var(--color-border-light);
    border-radius: var(--radius-md);
    transition: var(--transition);
}

.contact-card:hover {
    border-color: var(--color-primary);
    transform: translateX(4px);
}

.contact-card .icon {
    width: 50px;
    height: 50px;
    background-color: var(--color-primary-pale);
    color: var(--color-primary);
    border-radius: var(--radius-md);
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
}

.contact-card .label {
    font-size: 0.84rem;
    color: var(--color-text-muted);
    margin-bottom: 4px;
    text-transform: uppercase;
    letter-spacing: 0.05em;
    font-weight: 600;
}

.contact-card .value {
    font-size: 1.04rem;
    color: var(--color-navy);
    font-weight: 600;
}

.contact-card a.value:hover { color: var(--color-primary); }

/* ===== Management Profile ===== */
.management-hero {
    text-align: center;
    margin-bottom: 56px;
}

.management-card {
    max-width: 920px;
    margin: 0 auto;
    background-color: var(--color-white);
    border-radius: var(--radius-xl);
    box-shadow: var(--shadow-lg);
    overflow: hidden;
    display: grid;
    grid-template-columns: 320px 1fr;
}

.management-photo {
    aspect-ratio: 1 / 1.15;
    overflow: hidden;
    position: relative;
}

.management-photo img {
    width: 100%;
    height: 100%;
    object-fit: cover;
}

.management-photo::after {
    content: "";
    position: absolute;
    inset: 0;
    background: linear-gradient(180deg, transparent 60%, rgba(15, 122, 82, 0.15) 100%);
}

.management-body {
    padding: 44px 44px;
    display: flex;
    flex-direction: column;
    justify-content: center;
}

.management-body .role {
    display: inline-block;
    padding: 4px 12px;
    background-color: var(--color-primary-pale);
    color: var(--color-primary);
    border-radius: 100px;
    font-size: 0.82rem;
    font-weight: 600;
    letter-spacing: 0.05em;
    text-transform: uppercase;
    margin-bottom: 16px;
    width: fit-content;
}

.management-body h2 {
    margin-bottom: 8px;
    font-size: 2rem;
}

.management-body .company {
    color: var(--color-text-light);
    font-size: 1rem;
    margin-bottom: 22px;
    font-weight: 500;
}

.management-body p {
    color: var(--color-text-light);
    line-height: 1.75;
    margin-bottom: 14px;
    font-size: 0.98rem;
}

/* ===== About Page Sections ===== */
.about-pillar {
    background-color: var(--color-white);
    padding: 60px 0;
}

.about-pillar-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
}

.pillar-card {
    padding: 32px 26px;
    background-color: var(--color-bg);
    border-radius: var(--radius-lg);
    border: 1px solid var(--color-border-light);
    transition: var(--transition);
}

.pillar-card:hover {
    background-color: var(--color-white);
    border-color: var(--color-primary);
    transform: translateY(-4px);
    box-shadow: var(--shadow-md);
}

.pillar-card .icon {
    width: 52px;
    height: 52px;
    background-color: var(--color-primary-pale);
    color: var(--color-primary);
    border-radius: var(--radius-md);
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 18px;
}

.pillar-card h3 {
    margin-bottom: 10px;
    font-size: 1.18rem;
}

.pillar-card p {
    font-size: 0.94rem;
    margin: 0;
}

/* ===== Visit Us / Map Section ===== */
.visit-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 56px;
    align-items: center;
}

.visit-text h2 { margin-bottom: 18px; }

.visit-text p {
    color: var(--color-text-light);
    font-size: 1.02rem;
    margin-bottom: 16px;
}

.visit-info {
    display: flex;
    flex-direction: column;
    gap: 14px;
    margin-top: 24px;
    padding: 24px;
    background-color: var(--color-bg);
    border-radius: var(--radius-md);
    border: 1px solid var(--color-border-light);
}

.visit-info-item {
    display: flex;
    align-items: flex-start;
    gap: 12px;
}

.visit-info-item .icon {
    width: 38px;
    height: 38px;
    background-color: var(--color-white);
    color: var(--color-primary);
    border-radius: var(--radius-sm);
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
}

.visit-info-item .label {
    font-size: 0.8rem;
    color: var(--color-text-muted);
    text-transform: uppercase;
    letter-spacing: 0.05em;
    margin-bottom: 2px;
    font-weight: 600;
}

.visit-info-item .value {
    color: var(--color-navy);
    font-weight: 500;
    line-height: 1.5;
}

.visit-map {
    aspect-ratio: 4 / 3;
    border-radius: var(--radius-lg);
    overflow: hidden;
    box-shadow: var(--shadow-md);
    border: 1px solid var(--color-border-light);
}

.visit-map iframe {
    width: 100%;
    height: 100%;
    border: 0;
}

/* ===== Legal Pages ===== */
.legal-content {
    max-width: 880px;
    margin: 0 auto;
    background-color: var(--color-white);
    padding: 56px 60px;
    border-radius: var(--radius-xl);
    box-shadow: var(--shadow-md);
    border: 1px solid var(--color-border-light);
}

.legal-content h1 {
    margin-bottom: 24px;
    font-size: 2.2rem;
}

.legal-content h2 {
    margin: 36px 0 14px;
    font-size: 1.4rem;
}

.legal-content h3 {
    margin: 24px 0 10px;
    font-size: 1.1rem;
}

.legal-content p {
    margin-bottom: 14px;
    color: var(--color-text-light);
    line-height: 1.75;
}

.legal-content ul {
    margin: 14px 0 18px 24px;
    list-style: disc;
}

.legal-content ul li {
    color: var(--color-text-light);
    margin-bottom: 8px;
    line-height: 1.7;
}

.legal-content .updated {
    margin-top: 28px;
    padding-top: 24px;
    border-top: 1px solid var(--color-border-light);
    font-size: 0.88rem;
    color: var(--color-text-muted);
}

/* ===== Loan Information Disclaimer ===== */
.disclaimer {
    margin: 24px 0;
    padding: 20px 24px;
    background-color: #fff8e6;
    border-left: 4px solid var(--color-gold);
    border-radius: var(--radius-sm);
    color: #6b5418;
    font-size: 0.95rem;
    line-height: 1.7;
}

.disclaimer strong { color: #4a3a0e; }

/* ===== Animations ===== */
.fade-in {
    opacity: 0;
    transform: translateY(24px);
    transition: opacity 0.8s ease, transform 0.8s ease;
}

.fade-in.visible {
    opacity: 1;
    transform: translateY(0);
}

.reveal-image {
    overflow: hidden;
}

.reveal-image img {
    transform: scale(1.1);
    transition: transform 1.2s cubic-bezier(0.25, 0.46, 0.45, 0.94);
}

.reveal-image.visible img {
    transform: scale(1);
}

/* ===== Responsive ===== */
@media (max-width: 1024px) {
    .values-grid { grid-template-columns: repeat(2, 1fr); }
    .products-grid { grid-template-columns: 1fr; max-width: 480px; margin: 0 auto; }
    .process-grid { grid-template-columns: repeat(2, 1fr); }
    .feature-grid { gap: 40px; }
    .stats-grid { grid-template-columns: repeat(2, 1fr); }
    .footer-grid { grid-template-columns: repeat(2, 1fr); gap: 36px; }
    .management-card { grid-template-columns: 240px 1fr; }
    .management-body { padding: 30px; }
    .about-pillar-grid { grid-template-columns: 1fr; }
    .legal-content { padding: 40px 32px; }
}

@media (max-width: 860px) {
    section { padding: 60px 0; }
    .feature { padding: 60px 0; }

    .nav-menu,
    .nav-phone { display: none; }

    .nav-toggle { display: flex; align-items: center; justify-content: center; }

    .nav-menu.mobile-open {
        display: flex;
        position: fixed;
        top: var(--header-h);
        left: 0;
        right: 0;
        background-color: var(--color-white);
        flex-direction: column;
        padding: 24px;
        gap: 8px;
        border-top: 1px solid var(--color-border-light);
        box-shadow: var(--shadow-md);
        max-height: calc(100vh - var(--header-h));
        overflow-y: auto;
    }

    .nav-menu.mobile-open a {
        display: block;
        padding: 12px 16px;
        font-size: 1rem;
    }

    .hero { min-height: 86vh; padding-top: calc(var(--header-h) + 20px); }
    .hero h1 { font-size: clamp(1.8rem, 6vw, 2.6rem); }
    .hero-sub { font-size: 1rem; }
    .hero-trust { gap: 18px; }

    .feature-grid { grid-template-columns: 1fr; gap: 36px; }
    .feature.reverse .feature-grid { direction: ltr; }

    .contact-grid,
    .visit-grid { grid-template-columns: 1fr; gap: 36px; }

    .management-card { grid-template-columns: 1fr; max-width: 480px; }
    .management-photo { aspect-ratio: 16 / 10; }

    .process-grid { grid-template-columns: 1fr; max-width: 420px; margin: 0 auto; }

    .form-wrap { padding: 28px 22px; }
    .form-row { grid-template-columns: 1fr; }
    .form-options { grid-template-columns: 1fr; }
    .form-stepper { gap: 4px; }
    .step .label { font-size: 0.7rem; }

    .success-wrap { padding: 44px 26px; }

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

    .whatsapp-float { right: 16px; bottom: 16px; }
    .whatsapp-btn { width: 54px; height: 54px; }
    .whatsapp-tooltip { display: none; }

    .legal-content { padding: 32px 24px; }
}

@media (max-width: 540px) {
    .container { padding: 0 18px; }
    .values-grid { grid-template-columns: 1fr; }
    .stats-grid { grid-template-columns: 1fr; }
    .footer-grid { grid-template-columns: 1fr; }
    .hero-actions { flex-direction: column; align-items: stretch; }
    .hero-actions .btn { width: 100%; }
    .cta-actions { flex-direction: column; align-items: stretch; }
    .cta-actions .btn { width: 100%; }
    .btn-block { width: 100%; }
    .footer-bottom { flex-direction: column; text-align: center; }
}