/* ================================================
   CAPITAL PILLARS – Premium Fintech Website CSS
   ================================================ */

/* ---------- CSS Variables ---------- */
:root {
  --navy-deep:   #0C1A36;
  --navy-mid:    #112247;
  --navy-light:  #1A3166;
  --gold:        #C9A84C;
  --gold-light:  #E8C96E;
  --teal:        #00A896;
  --teal-light:  #00CDB8;
  --white:       #FFFFFF;
  --off-white:   #F5F7FC;
  --text-main:   #1A1A2E;
  --text-muted:  #6B7280;
  --border:      #E5E9F2;
  --card-bg:     #FFFFFF;
  --shadow-sm:   0 2px 12px rgba(12,26,54,0.06);
  --shadow-md:   0 8px 32px rgba(12,26,54,0.12);
  --shadow-lg:   0 24px 64px rgba(12,26,54,0.18);
  --radius-sm:   8px;
  --radius-md:   16px;
  --radius-lg:   24px;
  --radius-xl:   32px;
  --transition:  all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
  --font-main:   'Inter', sans-serif;
  --font-display: 'Playfair Display', serif;
}

/* ---------- Reset & Base ---------- */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
  font-family: var(--font-main);
  color: var(--text-main);
  background: var(--white);
  line-height: 1.6;
  overflow-x: hidden;
}
a { text-decoration: none; color: inherit; }
img { max-width: 100%; display: block; }
ul { list-style: none; }
select, input, button { font-family: var(--font-main); }

/* ---------- Scrollbar ---------- */
::-webkit-scrollbar { width: 6px; }
::-webkit-scrollbar-track { background: var(--off-white); }
::-webkit-scrollbar-thumb { background: var(--teal); border-radius: 3px; }

/* ---------- Utility ---------- */
.section-container { max-width: 1200px; margin: 0 auto; padding: 0 24px; }
.section-head { text-align: center; margin-bottom: 3rem; }
.section-head.light .section-tag { background: rgba(255,255,255,0.15); color: var(--white); }
.section-head.light .section-title { color: var(--white); }
.section-head.light .section-sub { color: rgba(255,255,255,0.75); }

.section-tag {
  display: inline-block;
  background: rgba(0,168,150,0.1);
  color: var(--teal);
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  padding: 6px 16px;
  border-radius: 999px;
  margin-bottom: 1rem;
}
.section-title {
  font-size: clamp(1.75rem, 4vw, 2.5rem);
  font-weight: 800;
  color: var(--navy-deep);
  line-height: 1.2;
  margin-bottom: 0.75rem;
}
.section-sub {
  font-size: 1.05rem;
  color: var(--text-muted);
  max-width: 560px;
  margin: 0 auto;
}
.gradient-text {
  background: linear-gradient(135deg, var(--teal) 0%, var(--gold) 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}
.btn-primary {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: linear-gradient(135deg, var(--teal) 0%, var(--navy-light) 100%);
  color: var(--white);
  font-weight: 700;
  font-size: 0.95rem;
  padding: 14px 28px;
  border-radius: var(--radius-md);
  border: none;
  cursor: pointer;
  transition: var(--transition);
  box-shadow: 0 4px 20px rgba(0,168,150,0.35);
  text-decoration: none;
}
.btn-primary:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 30px rgba(0,168,150,0.45);
}
.btn-primary.full-width { width: 100%; justify-content: center; margin-top: 1rem; }
.btn-outline-white {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: transparent;
  color: var(--white);
  font-weight: 600;
  font-size: 0.95rem;
  padding: 14px 28px;
  border-radius: var(--radius-md);
  border: 2px solid rgba(255,255,255,0.5);
  cursor: pointer;
  transition: var(--transition);
}
.btn-outline-white:hover {
  background: rgba(255,255,255,0.1);
  border-color: var(--white);
}

/* ================================================
   NAVBAR
   ================================================ */
.navbar {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 999;
  background: var(--white);
  backdrop-filter: none;
  border-bottom: 1px solid var(--border);
  transition: var(--transition);
}
.navbar.scrolled {
  background: var(--white);
  box-shadow: var(--shadow-md);
}
.nav-container {
  max-width: 1280px;
  margin: 0 auto;
  padding: 0 24px;
  height: 70px;
  display: flex;
  align-items: center;
  gap: 1rem;
}
.nav-logo {
  display: inline-flex;
  align-items: center;
  flex-shrink: 0;
}
.nav-logo img {
  height: 38px;
  width: 144px;
  max-width: none;
  min-width: 144px;
  object-fit: contain;
  flex-shrink: 0;
  background-color: transparent;
}
.nav-links {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0.25rem;
  flex: 1;
}
.nav-item { position: relative; }
.nav-btn {
  background: none;
  border: none;
  color: var(--text-main);
  font-size: 0.9rem;
  font-weight: 500;
  padding: 8px 14px;
  cursor: pointer;
  border-radius: var(--radius-sm);
  transition: var(--transition);
  display: flex;
  align-items: center;
  gap: 4px;
}
.nav-btn:hover { color: var(--navy-deep); background: rgba(12,26,54,0.06); }
.nav-link {
  color: var(--text-main);
  font-size: 0.9rem;
  font-weight: 500;
  padding: 8px 14px;
  border-radius: var(--radius-sm);
  transition: var(--transition);
}
.nav-link:hover { color: var(--navy-deep); background: rgba(12,26,54,0.06); }
.chevron { font-size: 1.1rem; transition: transform 0.3s; }
.nav-item.open .chevron { transform: rotate(180deg); }

/* Dropdown */
.dropdown-menu {
  position: absolute;
  top: calc(100% + 8px);
  left: 50%;
  transform: translateX(-50%) translateY(-8px);
  background: var(--white);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  min-width: 280px;
  padding: 12px;
  opacity: 0;
  pointer-events: none;
  transition: all 0.25s cubic-bezier(0.4, 0, 0.2, 1);
  z-index: 100;
  border: 1px solid var(--border);
}
.nav-item.open .dropdown-menu {
  opacity: 1;
  pointer-events: all;
  transform: translateX(-50%) translateY(0);
}
.dropdown-item {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  padding: 12px;
  border-radius: var(--radius-md);
  transition: var(--transition);
  color: var(--text-main);
}
.dropdown-item:hover { background: var(--off-white); color: var(--teal); }
.dd-icon { font-size: 1.4rem; flex-shrink: 0; margin-top: 2px; }
.dropdown-item strong { display: block; font-size: 0.9rem; font-weight: 600; }
.dropdown-item small { font-size: 0.78rem; color: var(--text-muted); }

/* Nav Actions */
.nav-actions { display: flex; align-items: center; gap: 12px; flex-shrink: 0; }
.btn-nav-login {
  color: var(--navy-deep);
  font-size: 0.9rem;
  font-weight: 500;
  padding: 8px 16px;
  border-radius: var(--radius-sm);
  border: 1px solid rgba(12,26,54,0.08);
  transition: var(--transition);
}
.btn-nav-login:hover { background: rgba(12,26,54,0.06); border-color: rgba(12,26,54,0.12); }
.btn-nav-apply {
  background: linear-gradient(135deg, var(--teal) 0%, var(--teal-light) 100%);
  color: var(--white);
  font-size: 0.9rem;
  font-weight: 700;
  padding: 10px 22px;
  border-radius: var(--radius-md);
  transition: var(--transition);
  box-shadow: 0 4px 16px rgba(0,168,150,0.4);
}
.btn-nav-apply:hover { transform: translateY(-1px); box-shadow: 0 6px 22px rgba(0,168,150,0.5); }
.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 4px;
}
.hamburger span {
  display: block;
  width: 22px;
  height: 2px;
  background: var(--navy-deep);
  border-radius: 2px;
  transition: var(--transition);
}

/* ================================================
   HERO
   ================================================ */
.hero {
  position: relative;
  min-height: 76vh;
  background: linear-gradient(135deg, #070E1F 0%, var(--navy-deep) 40%, #0F2A4A 70%, #061428 100%);
  display: flex;
  align-items: center;
  padding: 100px 0 60px;
  overflow: hidden;
}
.hero-bg { position: absolute; inset: 0; pointer-events: none; }
.hero .hero-bg-image {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  opacity: 0.35;
  z-index: 1;
}
.hero-orb {
  position: absolute;
  border-radius: 50%;
  filter: blur(100px);
  opacity: 0.25;
  animation: orbFloat 8s ease-in-out infinite alternate;
}
.orb1 { width: 500px; height: 500px; background: var(--teal); top: -100px; right: -100px; animation-delay: 0s; }
.orb2 { width: 400px; height: 400px; background: var(--navy-light); bottom: -80px; left: -80px; animation-delay: -2s; }
.orb3 { width: 300px; height: 300px; background: var(--gold); top: 50%; right: 30%; animation-delay: -4s; opacity: 0.12; }
@keyframes orbFloat {
  from { transform: translate(0,0) scale(1); }
  to   { transform: translate(30px,-20px) scale(1.1); }
}
.hero-container {
  max-width: 800px;
  margin: 0 auto;
  padding: 0 24px;
  position: relative;
  z-index: 3;
  text-align: center;
}
.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(0,168,150,0.15);
  border: 1px solid rgba(0,168,150,0.35);
  color: var(--teal-light);
  font-size: 0.83rem;
  font-weight: 600;
  padding: 8px 20px;
  border-radius: 999px;
  margin-bottom: 1.75rem;
  letter-spacing: 0.04em;
}
.badge-dot {
  width: 7px; height: 7px;
  background: var(--teal-light);
  border-radius: 50%;
  animation: pulse 2s infinite;
}
@keyframes pulse { 0%,100% { opacity: 1; transform: scale(1); } 50% { opacity: 0.4; transform: scale(0.7); } }
.hero-title {
  font-family: var(--font-display);
  font-size: clamp(2.4rem, 6vw, 4rem);
  font-weight: 800;
  color: var(--white);
  line-height: 1.1;
  margin-bottom: 1.25rem;
}
.hero-sub {
  font-size: 1.1rem;
  color: rgba(255,255,255,0.75);
  max-width: 600px;
  margin: 0 auto 2.5rem;
  line-height: 1.7;
}
.hero-sub strong { color: var(--teal-light); }

/* Hero Form */
.hero-form {
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: var(--radius-xl);
  padding: 0;
  backdrop-filter: blur(20px);
  overflow: hidden;
  margin-bottom: 2.5rem;
}
.form-tabs {
  display: flex;
  border-bottom: 1px solid rgba(255,255,255,0.1);
}
.form-tab {
  flex: 1;
  background: none;
  border: none;
  color: rgba(255,255,255,0.55);
  font-size: 0.88rem;
  font-weight: 600;
  padding: 16px 8px;
  cursor: pointer;
  transition: var(--transition);
  border-bottom: 2px solid transparent;
}
.form-tab.active { color: var(--teal-light); border-bottom-color: var(--teal-light); background: rgba(0,168,150,0.08); }
.form-tab:hover:not(.active) { color: rgba(255,255,255,0.8); background: rgba(255,255,255,0.04); }
.form-body { padding: 24px; }
.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr 1fr auto;
  gap: 14px;
  align-items: end;
}
.form-group { display: flex; flex-direction: column; gap: 8px; }
.form-group label { color: rgba(255,255,255,0.65); font-size: 0.8rem; font-weight: 600; letter-spacing: 0.05em; text-transform: uppercase; }
.form-group input,
.form-group select {
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.15);
  border-radius: var(--radius-sm);
  color: var(--white);
  font-size: 0.95rem;
  padding: 12px 14px;
  transition: var(--transition);
  outline: none;
}
.form-group input:focus,
.form-group select:focus { border-color: var(--teal-light); background: rgba(0,168,150,0.1); }
.form-group input::placeholder { color: rgba(255,255,255,0.35); }
.form-group select option { background: var(--navy-deep); color: var(--white); }
.btn-check-eligibility {
  background: linear-gradient(135deg, var(--teal) 0%, var(--teal-light) 100%);
  color: var(--white);
  border: none;
  border-radius: var(--radius-md);
  font-size: 0.9rem;
  font-weight: 700;
  padding: 14px 22px;
  cursor: pointer;
  transition: var(--transition);
  white-space: nowrap;
  box-shadow: 0 4px 20px rgba(0,168,150,0.4);
}
.btn-check-eligibility:hover { transform: translateY(-2px); box-shadow: 0 8px 28px rgba(0,168,150,0.5); }

/* Hero Trust Strip */
.hero-trust {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 0;
  flex-wrap: wrap;
}
.trust-item {
  display: flex;
  flex-direction: column;
  align-items: center;
  padding: 12px 28px;
}
.t-num { font-size: 1.5rem; font-weight: 800; color: var(--gold-light); line-height: 1; }
.t-label { font-size: 0.75rem; color: rgba(255,255,255,0.6); font-weight: 500; margin-top: 4px; }
.trust-div { width: 1px; height: 36px; background: rgba(255,255,255,0.15); }

/* ================================================
   LIVE ACTIVITY BAR
   ================================================ */
.live-activity-bar {
  background: linear-gradient(135deg, var(--navy-deep) 0%, var(--navy-mid) 100%);
  border-top: 1px solid rgba(255,255,255,0.1);
  border-bottom: 1px solid rgba(255,255,255,0.1);
  padding: 12px 0;
  display: flex;
  align-items: center;
  overflow: hidden;
  position: relative;
}

.activity-label {
  display: flex;
  align-items: center;
  gap: 8px;
  padding: 0 24px;
  background: rgba(0,168,150,0.15);
  border-right: 1px solid rgba(255,255,255,0.1);
  color: var(--teal-light);
  font-size: 0.8rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  white-space: nowrap;
  z-index: 2;
}

.pulse-dot {
  width: 8px;
  height: 8px;
  background: var(--teal-light);
  border-radius: 50%;
  animation: pulse 2s infinite;
}

.activity-track {
  display: flex;
  gap: 40px;
  animation: activityScroll 30s linear infinite;
  padding-left: 40px;
}

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

@keyframes activityScroll {
  from { transform: translateX(0); }
  to { transform: translateX(-50%); }
}

.activity-item {
  display: flex;
  align-items: center;
  gap: 12px;
  white-space: nowrap;
}

.act-icon {
  width: 20px;
  height: 20px;
  background: rgba(0,168,150,0.2);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--teal-light);
  font-size: 0.75rem;
  font-weight: 700;
}

.act-text {
  color: var(--white);
  font-size: 0.85rem;
  font-weight: 500;
}

.act-time {
  color: rgba(255,255,255,0.5);
  font-size: 0.75rem;
  font-weight: 400;
}

/* ================================================
   FAQ ACCORDION
   ================================================ */
.faq-section {
  background: linear-gradient(135deg, #f8f9fa 0%, #e9ecef 100%);
  padding: 80px 0;
}

.faq-container {
  max-width: 800px;
  margin: 0 auto;
}

.faq-item {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  margin-bottom: 12px;
  overflow: hidden;
  transition: var(--transition);
}

.faq-item:hover {
  border-color: rgba(0,168,150,0.3);
  box-shadow: var(--shadow-sm);
}

.faq-question {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 20px 24px;
  cursor: pointer;
  transition: var(--transition);
}

.faq-question span:first-child {
  font-size: 0.95rem;
  font-weight: 600;
  color: var(--navy-deep);
  flex: 1;
  padding-right: 16px;
}

.faq-toggle {
  width: 32px;
  height: 32px;
  background: rgba(0,168,150,0.1);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--teal);
  transition: var(--transition);
  flex-shrink: 0;
  line-height: 1;
}

.faq-item.active .faq-toggle {
  background: var(--teal);
  color: var(--white);
  transform: rotate(45deg);
}

.faq-answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.3s ease, padding 0.3s ease;
}

.faq-item.active .faq-answer {
  max-height: 500px;
  padding: 0 24px 20px;
}

.faq-answer p {
  color: var(--text-muted);
  font-size: 0.9rem;
  line-height: 1.7;
  padding-top: 8px;
  border-top: 1px solid var(--border);
}

/* ================================================
   PRODUCTS
   ================================================ */
.products-section { padding: 90px 0; background: var(--off-white); }
.products-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.product-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 32px 28px;
  border: 1px solid var(--border);
  transition: var(--transition);
  cursor: pointer;
  position: relative;
  overflow: hidden;
  display: block;
}
.product-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--teal), var(--gold));
  transform: scaleX(0);
  transform-origin: left;
  transition: var(--transition);
}
.product-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); border-color: transparent; }
.product-card:hover::before { transform: scaleX(1); }
.pc-icon-wrap {
  width: 56px; height: 56px;
  background: linear-gradient(135deg, rgba(0,168,150,0.1), rgba(0,168,150,0.05));
  border-radius: var(--radius-md);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 1.25rem;
  transition: var(--transition);
}
.product-card:hover .pc-icon-wrap { background: linear-gradient(135deg, var(--teal), var(--teal-light)); }
.pc-icon { font-size: 1.6rem; }
.product-card h3 { font-size: 1.1rem; font-weight: 700; color: var(--navy-deep); margin-bottom: 0.6rem; }
.product-card p { font-size: 0.88rem; color: var(--text-muted); line-height: 1.6; margin-bottom: 1.25rem; }
.pc-link { font-size: 0.88rem; font-weight: 700; color: var(--teal); display: flex; align-items: center; gap: 6px; }
.pc-link span { transition: transform 0.3s; }
.product-card:hover .pc-link span { transform: translateX(4px); }

/* ================================================
   HOW IT WORKS
   ================================================ */
.how-section {
  padding: 90px 0;
  background: linear-gradient(135deg, var(--navy-deep) 0%, #0D2A4F 100%);
  position: relative;
  overflow: hidden;
}
.how-section::before {
  content: '';
  position: absolute;
  inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.02'%3E%3Ccircle cx='30' cy='30' r='2'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}
.steps-wrapper { position: relative; }
.step-connector {
  position: absolute;
  top: 56px;
  left: calc(12.5% + 28px);
  right: calc(12.5% + 28px);
  height: 2px;
  background: linear-gradient(90deg, var(--teal), var(--gold), var(--teal));
  opacity: 0.3;
  z-index: 0;
}
.steps-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  position: relative;
  z-index: 1;
}
.step-card {
  text-align: center;
  padding: 32px 20px;
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: var(--radius-xl);
  backdrop-filter: blur(10px);
  transition: var(--transition);
}
.step-card:hover { background: rgba(255,255,255,0.08); transform: translateY(-6px); border-color: rgba(0,168,150,0.3); }
.step-num {
  font-size: 3rem;
  font-weight: 900;
  color: rgba(0,168,150,0.15);
  line-height: 1;
  margin-bottom: 0.5rem;
  letter-spacing: -0.05em;
}
.step-icon { font-size: 2rem; margin-bottom: 1rem; }
.step-card h3 { font-size: 1rem; font-weight: 700; color: var(--white); margin-bottom: 0.6rem; }
.step-card p { font-size: 0.85rem; color: rgba(255,255,255,0.65); line-height: 1.6; }

/* ================================================
   EMI CALCULATOR
   ================================================ */
.calc-section { padding: 90px 0; background: var(--white); }
.calc-wrapper {
  display: grid;
  grid-template-columns: 1fr 1.2fr;
  gap: 64px;
  align-items: center;
}
.calc-features { display: flex; flex-direction: column; gap: 10px; margin-top: 1.5rem; }
.cf-item { font-size: 0.9rem; color: var(--text-muted); font-weight: 500; }
.calc-info .section-tag { text-align: left; display: inline-block; margin-bottom: 0.75rem; }
.calc-info .section-title { text-align: left; }
.calc-info .section-sub { text-align: left; margin-left: 0; }
.calculator-box {
  background: var(--navy-deep);
  border-radius: var(--radius-xl);
  padding: 36px;
  box-shadow: var(--shadow-lg);
  position: relative;
  overflow: hidden;
}
.calculator-box::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 4px;
  background: linear-gradient(90deg, var(--teal), var(--gold));
}
.calc-field { margin-bottom: 1.75rem; }
.calc-field label { display: block; font-size: 0.82rem; font-weight: 600; color: rgba(255,255,255,0.7); letter-spacing: 0.06em; text-transform: uppercase; margin-bottom: 10px; }
.calc-input-row { display: flex; align-items: center; gap: 16px; }
.calc-input-row input[type="range"] {
  flex: 1;
  -webkit-appearance: none;
  appearance: none;
  height: 4px;
  border-radius: 2px;
  background: rgba(255,255,255,0.15);
  outline: none;
  cursor: pointer;
}
.calc-input-row input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 18px; height: 18px;
  border-radius: 50%;
  background: var(--teal);
  border: 3px solid var(--white);
  box-shadow: 0 2px 8px rgba(0,168,150,0.5);
  transition: var(--transition);
}
.calc-input-row input[type="range"]::-webkit-slider-thumb:hover { transform: scale(1.2); }
.calc-val {
  font-size: 0.9rem;
  font-weight: 700;
  color: var(--white);
  min-width: 80px;
  text-align: right;
}
.calc-result {
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: var(--radius-md);
  padding: 20px;
  display: flex;
  flex-direction: column;
  gap: 14px;
  margin-bottom: 0.5rem;
}
.cr-item { display: flex; justify-content: space-between; align-items: center; }
.cr-label { font-size: 0.85rem; color: rgba(255,255,255,0.6); font-weight: 500; }
.cr-value { font-size: 1rem; font-weight: 700; color: var(--white); }
.cr-value.primary { font-size: 1.4rem; color: var(--teal-light); }

/* ================================================
   WHY CAPITAL PILLARS
   ================================================ */
.why-section { padding: 90px 0; background: var(--off-white); }
.why-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.why-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 32px 28px;
  border: 1px solid var(--border);
  transition: var(--transition);
  position: relative;
  overflow: hidden;
}
.why-card::after {
  content: '';
  position: absolute;
  bottom: 0; left: 0; right: 0;
  height: 3px;
  background: linear-gradient(90deg, var(--teal), var(--gold));
  transform: scaleX(0);
  transition: var(--transition);
  transform-origin: left;
}
.why-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); border-color: transparent; }
.why-card:hover::after { transform: scaleX(1); }
.why-icon { font-size: 2.2rem; margin-bottom: 1rem; }
.why-card h3 { font-size: 1.05rem; font-weight: 700; color: var(--navy-deep); margin-bottom: 0.6rem; }
.why-card p { font-size: 0.88rem; color: var(--text-muted); line-height: 1.65; }

/* ================================================
   LENDERS
   ================================================ */
.lenders-section { padding: 80px 0; background: var(--white); }
.lender-scroll-wrapper { overflow: hidden; position: relative; }
.lender-scroll-wrapper::before,
.lender-scroll-wrapper::after {
  content: '';
  position: absolute;
  top: 0; bottom: 0;
  width: 120px;
  z-index: 2;
  pointer-events: none;
}
.lender-scroll-wrapper::before { left: 0; background: linear-gradient(90deg, var(--white), transparent); }
.lender-scroll-wrapper::after  { right: 0; background: linear-gradient(-90deg, var(--white), transparent); }
.lender-track {
  display: flex;
  gap: 16px;
  width: max-content;
  animation: lenderScroll 35s linear infinite;
}
.lender-track:hover { animation-play-state: paused; }
@keyframes lenderScroll {
  from { transform: translateX(0); }
  to   { transform: translateX(-50%); }
}
.lender-logo {
  background: var(--white);
  border: 1.5px solid var(--border);
  border-radius: var(--radius-md);
  padding: 18px 16px;
  display: inline-flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 12px;
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--navy-mid);
  transition: var(--transition);
  min-width: 140px;
  text-align: center;
  box-shadow: var(--shadow-sm);
}
.lender-logo-img {
  width: 90px;
  height: 90px;
  object-fit: contain;
  transition: var(--transition);
}
.lender-logo:hover { border-color: var(--teal); color: var(--teal); box-shadow: 0 4px 20px rgba(0,168,150,0.15); transform: translateY(-2px); }
.lender-logo:hover .lender-logo-img { transform: scale(1.05); }

/* ================================================
   TESTIMONIALS
   ================================================ */
.testimonials-section {
  padding: 90px 0;
  background: linear-gradient(135deg, var(--navy-deep) 0%, #0F2A4A 100%);
}
.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  align-items: start;
}
.testi-card {
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: var(--radius-xl);
  padding: 32px;
  backdrop-filter: blur(12px);
  transition: var(--transition);
}
.testi-card.featured {
  background: rgba(0,168,150,0.12);
  border-color: rgba(0,168,150,0.3);
  transform: scale(1.04);
}
.testi-card:hover { transform: translateY(-4px); border-color: rgba(0,168,150,0.4); }
.testi-card.featured:hover { transform: scale(1.04) translateY(-4px); }
.testi-stars { font-size: 1rem; color: var(--gold-light); letter-spacing: 3px; margin-bottom: 1rem; }
.testi-text { font-size: 0.9rem; color: rgba(255,255,255,0.8); line-height: 1.7; margin-bottom: 1.5rem; font-style: italic; }
.testi-author { display: flex; align-items: center; gap: 14px; }
.testi-avatar {
  width: 44px; height: 44px;
  background: linear-gradient(135deg, var(--teal), var(--navy-light));
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: 0.8rem;
  font-weight: 700;
  color: var(--white);
  flex-shrink: 0;
}
.testi-author strong { display: block; color: var(--white); font-size: 0.9rem; font-weight: 700; }
.testi-author span { font-size: 0.78rem; color: rgba(255,255,255,0.55); }

/* ================================================
   BLOG
   ================================================ */
.blog-section { padding: 90px 0; background: var(--off-white); }
.blog-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.blog-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  overflow: hidden;
  border: 1px solid var(--border);
  transition: var(--transition);
}
.blog-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); border-color: transparent; }
.blog-img-placeholder {
  height: 180px;
  position: relative;
  display: flex;
  align-items: flex-end;
  padding: 16px;
}
.bi1 { background: linear-gradient(135deg, #0D2A4F 0%, #00A896 100%); }
.bi2 { background: linear-gradient(135deg, #1A3166 0%, #C9A84C 100%); }
.bi3 { background: linear-gradient(135deg, #071428 0%, #00A896 60%, #0D2A4F 100%); }
.blog-cat {
  background: rgba(255,255,255,0.2);
  border: 1px solid rgba(255,255,255,0.3);
  color: var(--white);
  font-size: 0.75rem;
  font-weight: 700;
  padding: 5px 14px;
  border-radius: 999px;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  backdrop-filter: blur(8px);
}
.blog-body { padding: 24px; }
.blog-date { font-size: 0.78rem; color: var(--text-muted); font-weight: 500; }
.blog-body h3 { font-size: 1rem; font-weight: 700; color: var(--navy-deep); margin: 10px 0; line-height: 1.4; }
.blog-body p { font-size: 0.85rem; color: var(--text-muted); line-height: 1.6; margin-bottom: 1rem; }
.blog-read { font-size: 0.85rem; font-weight: 700; color: var(--teal); transition: var(--transition); }
.blog-read:hover { color: var(--navy-deep); }

/* ================================================
   CTA BANNER
   ================================================ */
.cta-banner {
  background: linear-gradient(135deg, var(--teal) 0%, var(--navy-deep) 50%, var(--navy-light) 100%);
  padding: 90px 0;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.cta-orb {
  position: absolute;
  border-radius: 50%;
  filter: blur(80px);
  opacity: 0.2;
  pointer-events: none;
}
.cta-orb1 { width: 400px; height: 400px; background: var(--gold); top: -120px; left: -60px; }
.cta-orb2 { width: 350px; height: 350px; background: var(--teal-light); bottom: -100px; right: -60px; }
.cta-inner { position: relative; z-index: 1; }
.cta-banner h2 {
  font-family: var(--font-display);
  font-size: clamp(1.8rem, 4vw, 2.8rem);
  font-weight: 800;
  color: var(--white);
  margin-bottom: 1rem;
}
.cta-banner p { font-size: 1.05rem; color: rgba(255,255,255,0.8); max-width: 560px; margin: 0 auto 2.5rem; }
.cta-btns { display: flex; justify-content: center; align-items: center; gap: 16px; flex-wrap: wrap; }
.cta-btns .btn-primary { background: var(--white); color: var(--navy-deep); box-shadow: 0 4px 20px rgba(0,0,0,0.2); }
.cta-btns .btn-primary:hover { background: var(--off-white); }

/* ================================================
   FOOTER
   ================================================ */
.footer {
  background: #070D1F;
  padding: 72px 0 0;
  color: rgba(255,255,255,0.75);
}
.footer-container { max-width: 1280px; margin: 0 auto; padding: 0 28px; }
.footer-top {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr 1.4fr;
  gap: 48px;
  padding-bottom: 56px;
  border-bottom: 1px solid rgba(255,255,255,0.08);
}
.footer-logo {
  height: 61px;
  width: auto;
  max-width: 235px;
  margin-bottom: 1rem;
  background-color: transparent;
}
.footer-brand p { font-size: 0.88rem; line-height: 1.7; margin-bottom: 1.5rem; }
.footer-socials { display: flex; gap: 10px; }
.social-link {
  width: 36px; height: 36px;
  background: rgba(255,255,255,0.07);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: var(--radius-sm);
  display: flex; align-items: center; justify-content: center;
  font-size: 0.85rem;
  font-weight: 700;
  color: rgba(255,255,255,0.7);
  transition: var(--transition);
}
.social-link:hover { background: var(--teal); border-color: var(--teal); color: var(--white); }
.footer-col h4 {
  font-size: 0.8rem;
  font-weight: 700;
  color: var(--white);
  letter-spacing: 0.1em;
  text-transform: uppercase;
  margin-bottom: 1.25rem;
}
.footer-col .footer-list { display: flex; flex-direction: column; gap: 10px; }
.footer-col .footer-list > div { font-size: 0.88rem; }
.footer-col .footer-list > div a { color: rgba(255,255,255,0.6); transition: var(--transition); }
.footer-col .footer-list > div a:hover { color: var(--teal-light); padding-left: 4px; }
.footer-bottom {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 24px 0;
  gap: 16px;
  flex-wrap: wrap;
}
.footer-legal { display: flex; gap: 24px; flex-wrap: wrap; }
.footer-legal a { font-size: 0.8rem; color: rgba(255,255,255,0.45); transition: var(--transition); }
.footer-legal a:hover { color: var(--teal-light); }
.footer-copy { font-size: 0.8rem; color: rgba(255,255,255,0.35); }

/* Footer logo (bottom-left) */
.footer-logo-bottom {
  height: 40px;
  width: auto;
  margin-right: 16px;
  display: block;
}

/* ================================================
   BACK TO TOP
   ================================================ */
.back-to-top {
  position: fixed;
  bottom: 28px; right: 28px;
  width: 46px; height: 46px;
  background: linear-gradient(135deg, var(--teal), var(--navy-light));
  color: var(--white);
  border: none;
  border-radius: 50%;
  font-size: 1.2rem;
  cursor: pointer;
  transition: var(--transition);
  box-shadow: 0 4px 20px rgba(0,168,150,0.4);
  opacity: 0;
  pointer-events: none;
  z-index: 998;
}
.back-to-top.visible { opacity: 1; pointer-events: all; }
.back-to-top:hover { transform: translateY(-3px); box-shadow: 0 8px 28px rgba(0,168,150,0.5); }

/* ================================================
   ANIMATIONS – Scroll-in
   ================================================ */
.fade-up {
  opacity: 0;
  transform: translateY(30px);
  transition: opacity 0.7s ease, transform 0.7s ease;
}
.fade-up.visible {
  opacity: 1;
  transform: translateY(0);
}

/* ================================================
   ABOUT PAGE
   ================================================ */
.about-hero {
  position: relative;
  min-height: 60vh;
  display: flex;
  align-items: center;
  padding: 120px 0 80px;
  overflow: hidden;
}
.hero-bg-image {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  opacity: 1;
  z-index: 0;
}
.about-hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(rgba(0, 0, 0, 0.5), rgba(0, 0, 0, 0.7));
  z-index: 1;
}
.empowering-section {
  padding: 90px 0;
  background: var(--white);
}
.empowering-content {
  display: grid;
  grid-template-columns: 1.2fr 0.8fr;
  gap: 64px;
  align-items: center;
}
.empowering-text {
  display: flex;
  flex-direction: column;
  gap: 24px;
}
.story-highlight {
  display: flex;
  gap: 16px;
  align-items: flex-start;
  padding: 20px;
  border-left: 4px solid var(--teal);
  background: linear-gradient(90deg, rgba(0, 168, 150, 0.05) 0%, transparent 100%);
  border-radius: 0 var(--radius-md) var(--radius-md) 0;
  transition: var(--transition);
}
.story-highlight:hover {
  background: linear-gradient(90deg, rgba(0, 168, 150, 0.1) 0%, transparent 100%);
  transform: translateX(8px);
}
.highlight-icon {
  flex-shrink: 0;
  width: 48px;
  height: 48px;
  background: linear-gradient(135deg, var(--teal) 0%, var(--navy-light) 100%);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  box-shadow: 0 4px 12px rgba(0, 168, 150, 0.25);
}
.highlight-text h3 {
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--navy-deep);
  margin-bottom: 8px;
}
.highlight-text p {
  font-size: 0.9rem;
  color: var(--text-muted);
  line-height: 1.6;
}
.empowering-image {
  position: relative;
}
.empowering-img {
  width: 100%;
  height: auto;
  border-radius: var(--radius-lg);
  box-shadow: 0 12px 32px rgba(0,0,0,0.12);
  object-fit: cover;
}
.fast-section {
  padding: 90px 0;
  background: var(--off-white);
}
.features-wrapper {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: start;
}
.features-main {
  display: flex;
  flex-direction: column;
  gap: 32px;
}
.feature-highlight {
  background: linear-gradient(135deg, var(--white) 0%, rgba(0, 168, 150, 0.05) 100%);
  border-radius: var(--radius-lg);
  padding: 32px;
  border: 2px solid var(--teal);
  display: flex;
  gap: 24px;
  align-items: flex-start;
  transition: var(--transition);
}
.feature-highlight:hover {
  transform: translateX(8px);
  box-shadow: var(--shadow-lg);
}
.feature-large-icon {
  flex-shrink: 0;
  width: 72px;
  height: 72px;
  background: linear-gradient(135deg, var(--teal) 0%, var(--navy-deep) 100%);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 2.5rem;
  box-shadow: 0 8px 24px rgba(0, 168, 150, 0.3);
}
.feature-content h3 {
  font-size: 1.35rem;
  font-weight: 700;
  color: var(--navy-deep);
  margin-bottom: 12px;
}
.feature-content p {
  font-size: 0.95rem;
  color: var(--text-muted);
  line-height: 1.7;
}
.features-side {
  display: flex;
  flex-direction: column;
  gap: 20px;
}
.feature-compact {
  background: var(--white);
  border-radius: var(--radius-md);
  padding: 20px;
  border: 1px solid var(--border);
  display: flex;
  gap: 16px;
  align-items: flex-start;
  transition: var(--transition);
}
.feature-compact:hover {
  border-color: var(--teal);
  transform: translateX(4px);
  box-shadow: var(--shadow-sm);
}
.compact-icon {
  flex-shrink: 0;
  width: 48px;
  height: 48px;
  background: linear-gradient(135deg, var(--teal) 0%, var(--navy-light) 100%);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
}
.compact-content h4 {
  font-size: 1rem;
  font-weight: 700;
  color: var(--navy-deep);
  margin-bottom: 6px;
}
.compact-content p {
  font-size: 0.85rem;
  color: var(--text-muted);
  line-height: 1.5;
}
.vision-section {
  padding: 90px 0;
  background: linear-gradient(135deg, var(--navy-deep) 0%, #0D2A4F 100%);
  position: relative;
  overflow: hidden;
}
.vision-section::before {
  content: '';
  position: absolute;
  inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.02'%3E%3Ccircle cx='30' cy='30' r='2'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
}
.vision-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  position: relative;
  z-index: 1;
}
.vision-card {
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: var(--radius-xl);
  padding: 40px;
  backdrop-filter: blur(10px);
  transition: var(--transition);
}
.vision-card:hover {
  transform: translateY(-4px);
  border-color: rgba(0, 168, 150, 0.3);
  box-shadow: 0 12px 32px rgba(0, 168, 150, 0.15);
}
.vision-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 24px;
}
.vision-icon-wrapper {
  width: 64px;
  height: 64px;
  background: linear-gradient(135deg, var(--teal) 0%, var(--navy-light) 100%);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  box-shadow: 0 8px 24px rgba(0, 168, 150, 0.3);
}
.vision-icon {
  font-size: 2rem;
}
.vision-badge {
  background: rgba(255, 255, 255, 0.15);
  padding: 8px 20px;
  border-radius: 20px;
  font-size: 0.85rem;
  font-weight: 700;
  color: var(--teal-light);
  text-transform: uppercase;
  letter-spacing: 1px;
  backdrop-filter: blur(10px);
}
.vision-card h3 {
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 16px;
}
.vision-card p {
  font-size: 1rem;
  color: rgba(255,255,255,0.75);
  line-height: 1.8;
  margin-bottom: 24px;
}
.vision-pillars {
  display: flex;
  flex-direction: column;
  gap: 16px;
}
.pillar-item {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 12px;
  background: rgba(255, 255, 255, 0.05);
  border-radius: var(--radius-md);
  border: 1px solid rgba(255, 255, 255, 0.08);
  transition: var(--transition);
}
.pillar-item:hover {
  background: rgba(255, 255, 255, 0.1);
  border-color: rgba(0, 168, 150, 0.3);
}
.pillar-icon {
  font-size: 1.25rem;
  flex-shrink: 0;
}
.pillar-item span:last-child {
  font-size: 0.9rem;
  color: rgba(255, 255, 255, 0.85);
  font-weight: 500;
}
.team-section {
  padding: 9px 0 90px 0;
  background: var(--white);
}
.team-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
}
.team-card {
  background: var(--white);
  border-radius: 24px;
  padding: 0;
  text-align: left;
  border: none;
  transition: all 0.5s cubic-bezier(0.4, 0, 0.2, 1);
  overflow: hidden;
  box-shadow: 0 10px 40px rgba(0, 0, 0, 0.1);
  position: relative;
}

.team-card.featured {
  transform: scale(1.05);
  box-shadow: 0 20px 60px rgba(0, 168, 150, 0.3);
  z-index: 2;
}

.team-card:hover {
  transform: translateY(-16px) scale(1.02);
  box-shadow: 0 30px 80px rgba(0, 168, 150, 0.4);
}

.team-card.featured:hover {
  transform: translateY(-16px) scale(1.07);
  box-shadow: 0 40px 100px rgba(0, 168, 150, 0.5);
}

.team-image-container {
  position: relative;
  width: 100%;
  height: 420px;
  overflow: hidden;
  border-radius: 24px;
}

.team-image-bg {
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background: linear-gradient(135deg, var(--teal) 0%, var(--navy-deep) 100%);
  opacity: 0.1;
  transition: opacity 0.5s ease;
}

.team-card:hover .team-image-bg {
  opacity: 0.2;
}

.team-image {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center top;
  transition: all 0.6s cubic-bezier(0.4, 0, 0.2, 1);
  filter: brightness(0.95);
}

.team-card:hover .team-image {
  transform: scale(1.15);
  filter: brightness(1.05);
}

.team-placeholder {
  width: 100%;
  height: 100%;
  background: linear-gradient(135deg, var(--teal) 0%, var(--navy-deep) 100%);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 6rem;
  opacity: 0.9;
}

.team-gradient {
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  height: 70%;
  background: linear-gradient(transparent, rgba(0, 0, 0, 0.9));
  transition: height 0.5s ease;
}

.team-card:hover .team-gradient {
  height: 85%;
}

.team-info {
  position: absolute;
  bottom: 0;
  left: 0;
  right: 0;
  padding: 32px;
  z-index: 2;
  transform: translateY(20px);
  transition: transform 0.5s ease;
}

.team-card:hover .team-info {
  transform: translateY(0);
}

.team-socials {
  display: flex;
  gap: 16px;
  margin-bottom: 20px;
  opacity: 0;
  transform: translateY(10px);
  transition: all 0.4s ease 0.1s;
}

.team-card:hover .team-socials {
  opacity: 1;
  transform: translateY(0);
}

.team-social {
  width: 48px;
  height: 48px;
  background: rgba(255, 255, 255, 0.15);
  backdrop-filter: blur(20px);
  border: 1px solid rgba(255, 255, 255, 0.2);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: white;
  text-decoration: none;
  font-size: 1rem;
  font-weight: 600;
  transition: all 0.3s ease;
}

.team-social:hover {
  background: var(--teal);
  border-color: var(--teal);
  transform: scale(1.2) rotate(10deg);
  box-shadow: 0 8px 30px rgba(0, 168, 150, 0.5);
}

.team-details h3 {
  font-size: 1.5rem;
  font-weight: 700;
  color: white;
  margin-bottom: 8px;
  text-shadow: 0 2px 20px rgba(0, 0, 0, 0.5);
}

.team-role {
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--teal);
  text-transform: uppercase;
  letter-spacing: 2px;
  margin-bottom: 0;
  text-shadow: 0 2px 10px rgba(0, 0, 0, 0.3);
}

.team-bio {
  padding: 24px 32px;
  background: linear-gradient(135deg, rgba(0, 168, 150, 0.05) 0%, rgba(12, 26, 54, 0.02) 100%);
  border-top: 1px solid rgba(0, 168, 150, 0.1);
}

.team-bio p {
  font-size: 0.95rem;
  color: #000;
  line-height: 1.8;
  margin: 0;
  font-weight: 400;
}

/* Responsive Team Section */
@media (max-width: 768px) {
  .team-card.featured {
    transform: scale(1);
  }
  
  .team-image-container {
    height: 350px;
  }
  
  .team-info {
    padding: 24px;
  }
  
  .team-details h3 {
    font-size: 1.3rem;
  }
  
  .team-role {
    font-size: 0.8rem;
    letter-spacing: 1.5px;
  }
  
  .team-bio {
    padding: 20px 24px;
  }
  
  .team-bio p {
    font-size: 0.9rem;
  }
  
  .team-social {
    width: 42px;
    height: 42px;
    font-size: 0.9rem;
  }
}

/* Legal Pages Styling */
.legal-section {
  padding: 60px 0 90px 0;
  background: var(--white);
}

.legal-content {
  max-width: 900px;
  margin: 0 auto;
}

.legal-content h2 {
  font-size: 1.75rem;
  font-weight: 700;
  color: var(--navy-deep);
  margin: 40px 0 20px 0;
  padding-bottom: 12px;
  border-bottom: 2px solid var(--teal);
}

.legal-content h2:first-child {
  margin-top: 0;
}

.legal-content p,
.legal-content ul {
  font-size: 1rem;
  line-height: 1.8;
  color: var(--text-muted);
  margin-bottom: 16px;
}

.legal-content ul {
  padding-left: 24px;
  margin-bottom: 20px;
}

.legal-content ul li {
  margin-bottom: 12px;
}

.legal-content strong {
  color: var(--navy-deep);
  font-weight: 600;
}

.legal-notice {
  background: linear-gradient(135deg, rgba(0, 168, 150, 0.1) 0%, rgba(12, 26, 54, 0.05) 100%);
  border-left: 4px solid var(--teal);
  padding: 24px;
  border-radius: var(--radius-md);
  margin-bottom: 32px;
}

.legal-notice p {
  margin: 0;
  font-weight: 500;
  color: var(--navy-deep);
}

.acceptance-section {
  background: var(--navy-deep);
  color: white;
  padding: 32px;
  border-radius: var(--radius-lg);
  margin-top: 48px;
  text-align: center;
}

.acceptance-section p {
  margin: 0;
  font-size: 1.1rem;
  font-weight: 500;
  color: white;
}

/* Responsive Legal Section */
@media (max-width: 768px) {
  .legal-section {
    padding: 40px 0 60px 0;
  }

  .legal-content h2 {
    font-size: 1.5rem;
    margin: 32px 0 16px 0;
  }

  .legal-content p,
  .legal-content ul {
    font-size: 0.95rem;
  }

  .legal-notice {
    padding: 20px;
  }

  .acceptance-section {
    padding: 24px;
  }

  .acceptance-section p {
    font-size: 1rem;
  }

  .about-hero .hero-container {
    padding: 0 16px;
  }

  .about-hero .hero-title {
    font-size: clamp(1.75rem, 7vw, 2.4rem);
  }

  .about-hero .hero-sub {
    font-size: 0.95rem;
  }
}
.cta-section {
  background: linear-gradient(135deg, var(--teal) 0%, var(--navy-deep) 50%, var(--navy-light) 100%);
  padding: 90px 0;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.cta-section::before {
  content: '';
  position: absolute;
  width: 400px;
  height: 400px;
  background: var(--gold);
  border-radius: 50%;
  filter: blur(80px);
  opacity: 0.15;
  top: -100px;
  left: -100px;
}
.cta-section::after {
  content: '';
  position: absolute;
  width: 350px;
  height: 350px;
  background: var(--teal-light);
  border-radius: 50%;
  filter: blur(80px);
  opacity: 0.15;
  bottom: -100px;
  right: -100px;
}
.cta-content {
  position: relative;
  z-index: 1;
}
.cta-section h2 {
  font-family: var(--font-display);
  font-size: clamp(1.8rem, 4vw, 2.8rem);
  font-weight: 800;
  color: var(--white);
  margin-bottom: 1rem;
}
.cta-section p {
  font-size: 1.05rem;
  color: rgba(255,255,255,0.8);
  max-width: 600px;
  margin: 0 auto 2.5rem;
}
.cta-btns {
  display: flex;
  justify-content: center;
  align-items: center;
  gap: 16px;
  flex-wrap: wrap;
}
.cta-btns .btn-primary {
  background: var(--white);
  color: var(--navy-deep);
  box-shadow: 0 4px 20px rgba(0,0,0,0.2);
}
.cta-btns .btn-primary:hover {
  background: var(--off-white);
}

/* ================================================
   RESPONSIVE
   ================================================ */

/* ---------- Tablet (≤1024px) ---------- */
@media (max-width: 1024px) {
  .products-grid { grid-template-columns: repeat(2, 1fr); }
  .why-grid { grid-template-columns: repeat(2, 1fr); }
  .steps-grid { grid-template-columns: repeat(2, 1fr); }
  .step-connector { display: none; }
  .calc-wrapper { grid-template-columns: 1fr; gap: 40px; }
  .footer-top { grid-template-columns: 1fr 1fr; gap: 32px; }
  .blog-grid { grid-template-columns: repeat(2, 1fr); }
  .testimonials-grid { grid-template-columns: repeat(2, 1fr); }
  .team-grid { grid-template-columns: repeat(2, 1fr); }
  .empowering-content { grid-template-columns: 1fr; gap: 40px; }
  .empowering-image { order: -1; }
  .features-wrapper { grid-template-columns: 1fr; gap: 32px; }
  .vision-grid { grid-template-columns: 1fr; gap: 32px; }
  .team-card.featured { transform: scale(1); }
}

/* ---------- Mobile & small tablet (≤768px) ---------- */
@media (max-width: 768px) {
  body { padding-top: 70px; }

  .navbar {
    position: fixed;
    top: 0;
    left: 0;
    right: 0;
  }

  .section-container { padding: 0 16px; }
  .footer-container { padding: 0 16px; }

  /* Mobile navigation */
  .nav-container {
    height: 70px;
    padding: 0 16px;
    display: grid;
    grid-template-columns: auto 1fr;
    align-items: center;
    width: 100%;
  }

  .nav-logo {
    grid-column: 1;
    flex-shrink: 0;
  }

  .nav-logo img {
    height: 38px;
    width: 144px;
    max-width: none;
    min-width: 144px;
  }

  .nav-actions {
    grid-column: 2;
    justify-self: end;
    margin-left: 0;
    gap: 8px;
    flex-shrink: 0;
    justify-content: flex-end;
  }

  .btn-nav-apply {
    padding: 8px 14px;
    font-size: 0.8rem;
    white-space: nowrap;
  }

  .hamburger { display: flex; z-index: 1001; }

  .nav-links {
    display: none;
    position: fixed;
    top: 70px;
    left: 0;
    right: 0;
    bottom: 0;
    width: 100%;
    max-width: 100vw;
    flex: none;
    background: var(--navy-deep);
    flex-direction: column;
    align-items: stretch;
    justify-content: flex-start;
    padding: 12px 16px 32px;
    gap: 2px;
    overflow-x: hidden;
    overflow-y: auto;
    z-index: 1000;
    -webkit-overflow-scrolling: touch;
    grid-column: 1 / -1;
  }

  .nav-links.open {
    display: flex;
    width: 100%;
    max-width: 100vw;
    height: auto;
    padding: 12px 16px 32px;
  }

  .nav-item { width: 100%; overflow: visible; }

  .nav-btn,
  .nav-link {
    color: rgba(255, 255, 255, 0.92);
    width: 100%;
    justify-content: space-between;
    padding: 14px 12px;
    font-size: 0.95rem;
    box-sizing: border-box;
  }

  .nav-btn:hover,
  .nav-link:hover {
    background: rgba(255, 255, 255, 0.08);
    color: var(--teal-light);
  }

  .dropdown-menu {
    position: static;
    top: auto;
    left: auto;
    right: auto;
    transform: none;
    opacity: 0;
    max-height: 0;
    overflow: hidden;
    pointer-events: none;
    box-shadow: none;
    background: rgba(255, 255, 255, 0.05);
    border: none;
    width: 100%;
    min-width: 0;
    max-width: 100%;
    padding: 0;
    margin: 0;
    box-sizing: border-box;
    transition: max-height 0.35s ease, opacity 0.25s ease, padding 0.25s ease;
  }

  .nav-item.open .dropdown-menu {
    opacity: 1;
    max-height: 70vh;
    overflow-y: auto;
    pointer-events: all;
    transform: none;
    padding: 6px 0 10px;
  }

  .dropdown-item {
    color: rgba(255, 255, 255, 0.88);
    width: 100%;
    min-width: 0;
    box-sizing: border-box;
    padding: 10px 12px;
    gap: 10px;
  }

  .dropdown-item > div {
    min-width: 0;
    flex: 1;
  }

  .dropdown-item strong,
  .dropdown-item small {
    white-space: normal;
    word-break: break-word;
  }

  .dropdown-item:hover {
    background: rgba(255, 255, 255, 0.08);
    color: var(--teal-light);
  }
  .dropdown-item small { color: rgba(255, 255, 255, 0.5); }

  .btn-nav-login { display: none; }

  /* Hero */
  .hero {
    min-height: auto;
    padding: 40px 0 36px;
  }

  .hero .hero-bg-image { opacity: 0.25; }

  .hero-title { font-size: clamp(1.75rem, 7vw, 2.4rem); }
  .hero-sub { font-size: 0.95rem; margin-bottom: 1.5rem; }
  .hero-badge { font-size: 0.72rem; padding: 6px 14px; }

  .hero-trust {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 4px;
    width: 100%;
  }

  .trust-div { display: none; }
  .trust-item { padding: 10px 8px; }
  .t-num { font-size: 1.2rem; }
  .t-label { font-size: 0.68rem; text-align: center; }

  /* Live activity ticker */
  .live-activity-bar {
    flex-direction: column;
    align-items: stretch;
    padding: 0;
  }

  .activity-label {
    padding: 8px 16px;
    border-right: none;
    border-bottom: 1px solid rgba(255, 255, 255, 0.1);
    justify-content: center;
  }

  .activity-track { padding: 8px 0 8px 16px; gap: 24px; }
  .act-text { font-size: 0.78rem; }

  /* Section spacing */
  .products-section,
  .how-section,
  .calc-section,
  .why-section,
  .testimonials-section,
  .faq-section,
  .lenders-section,
  .cta-banner,
  .cta-section,
  .empowering-section,
  .fast-section,
  .vision-section,
  .team-section,
  .blog-section {
    padding: 56px 0;
  }

  .section-head { margin-bottom: 2rem; }

  /* Grids → single column */
  .products-grid,
  .why-grid,
  .steps-grid,
  .testimonials-grid,
  .blog-grid,
  .team-grid {
    grid-template-columns: 1fr;
    gap: 20px;
  }

  .testi-card.featured { transform: none; }

  .product-card,
  .step-card,
  .why-card {
    padding: 24px 20px;
  }

  /* EMI Calculator */
  .calculator-box { padding: 24px 16px; }
  .calc-input-row { gap: 10px; }
  .calc-val { min-width: 72px; font-size: 0.82rem; }
  .calc-info .section-tag,
  .calc-info .section-title,
  .calc-info .section-sub {
    text-align: center;
    margin-left: auto;
    margin-right: auto;
  }

  /* About page */
  .about-hero {
    min-height: auto;
    padding: 40px 0 36px;
  }

  .story-highlight {
    flex-direction: column;
    gap: 12px;
    padding: 16px;
  }

  .feature-highlight {
    flex-direction: column;
    gap: 16px;
    padding: 24px;
  }

  .feature-large-icon {
    width: 56px;
    height: 56px;
    font-size: 2rem;
  }

  .vision-card { padding: 28px 20px; }

  .team-image-container { height: 320px; }

  /* FAQ */
  .faq-question { padding: 16px; }
  .faq-question span:first-child { font-size: 0.88rem; padding-right: 12px; }
  .faq-toggle { width: 28px; height: 28px; font-size: 1.25rem; }

  /* CTA */
  .cta-banner,
  .cta-section { padding: 56px 0; }

  .cta-btns {
    flex-direction: column;
    width: 100%;
    gap: 12px;
  }

  .cta-btns .btn-primary {
    width: 100%;
    justify-content: center;
  }

  /* Lender logos */
  .lender-scroll-wrapper::before,
  .lender-scroll-wrapper::after { width: 48px; }

  .lender-logo {
    min-width: 96px;
    padding: 12px 10px;
    font-size: 0.78rem;
  }

  /* Footer */
  .footer-top { grid-template-columns: 1fr; gap: 28px; }
  .footer-bottom {
    flex-direction: column;
    align-items: flex-start;
    gap: 16px;
  }
  .footer-legal { flex-direction: column; gap: 8px; }

  /* Forms */
  .form-row { grid-template-columns: 1fr 1fr; }
  .btn-check-eligibility { grid-column: 1 / -1; }

  /* Back to top */
  .back-to-top {
    bottom: 16px;
    right: 16px;
    width: 40px;
    height: 40px;
    font-size: 1rem;
  }
}

/* ---------- Small phones (≤480px) ---------- */
@media (max-width: 480px) {
  .section-container { padding: 0 14px; }

  .btn-nav-apply { padding: 7px 12px; font-size: 0.75rem; }

  .hero-trust { grid-template-columns: repeat(2, 1fr); }

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

  .activity-item .act-time { display: none; }

  .footer-copy { font-size: 0.72rem; line-height: 1.5; }

  .cr-value.primary { font-size: 1.2rem; }

  .cta-banner h2,
  .cta-section h2 { font-size: 1.5rem; }
}