/* ===========================
       CSS VARIABLES & RESET
    =========================== */


:root {
  --primary: #b83227;
  --primary-light: #e14c3b;
  --primary-dark: #7a1d18;
  --accent: #f9c74f;
  --accent-dark: #d4a71a;
  --accent-light: #ffe680;
  --secondary: #90be6d;
  --bg-light: #fff7ed;
  --bg-white: #ffffff;
  --text-dark: #2b1a17;
  --text-mid: #5a4b44;
  --text-light: #8c7c74;
  --border: #f0e6df;
  --card-shadow: 0 4px 24px rgba(184, 50, 39, 0.10);
  --card-shadow-hover: 0 12px 36px rgba(184, 50, 39, 0.18);
  --radius: 14px;
  --radius-sm: 8px;
  --transition: 0.3s ease;
  --gradient-hero: linear-gradient(135deg, #7a1d18 0%, #b83227 55%, #e14c3b 100%);
  --gradient-accent: linear-gradient(135deg, #f9c74f 0%, #ffe680 100%);
  --gradient-card: linear-gradient(135deg, #fff7ed 0%, #ffffff 100%);
}

:root {
  --primary: #5b21b6;
  --primary-light: #7c3aed;
  --primary-dark: #3f0f9e;
  --accent: #f472b6;
  --accent-dark: #d946aa;
  --accent-light: #fbcfe8;
  --secondary: #22d3ee;
  --bg-light: #f5f3ff;
  --bg-white: #ffffff;
  --text-dark: #1e0f3f;
  --text-mid: #4b3b6a;
  --text-light: #7c6d95;
  --border: #e4e0f7;
  --card-shadow: 0 4px 24px rgba(91, 33, 182, 0.10);
  --card-shadow-hover: 0 12px 36px rgba(91, 33, 182, 0.18);
  --radius: 14px;
  --radius-sm: 8px;
  --transition: 0.3s ease;
  --gradient-hero: linear-gradient(135deg, #3f0f9e 0%, #5b21b6 55%, #7c3aed 100%);
  --gradient-accent: linear-gradient(135deg, #f472b6 0%, #fbcfe8 100%);
  --gradient-card: linear-gradient(135deg, #f5f3ff 0%, #ffffff 100%);
}

:root {
  --primary: #1a3c6e;
  --primary-light: #2255a4;
  --primary-dark: #0f2444;
  --accent: #f0a500;
  --accent-dark: #c98600;
  --accent-light: #ffd166;
  --secondary: #06b6d4;
  --bg-light: #f4f7fb;
  --bg-white: #ffffff;
  --text-dark: #0d1b2e;
  --text-mid: #3a4a5c;
  --text-light: #6b7a8d;
  --border: #dde3ef;
  --card-shadow: 0 4px 24px rgba(26, 60, 110, .10);
  --card-shadow-hover: 0 12px 36px rgba(26, 60, 110, .18);
  --radius: 14px;
  --radius-sm: 8px;
  --transition: 0.3s ease;
  --gradient-hero: linear-gradient(135deg, #0f2444 0%, #1a3c6e 55%, #2255a4 100%);
  --gradient-accent: linear-gradient(135deg, #f0a500 0%, #ffd166 100%);
  --gradient-card: linear-gradient(135deg, #f4f7fb 0%, #ffffff 100%);
}

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

html {
  scroll-behavior: smooth;
  font-size: 16px;
}

body {
  font-family: 'Inter', sans-serif;
  color: var(--text-dark);
  background: var(--bg-white);
  line-height: 1.6;
  overflow-x: hidden;
}

a {
  text-decoration: none;
  color: inherit;
}

ul {
  list-style: none;
}

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

button {
  cursor: pointer;
  border: none;
  outline: none;
  font-family: inherit;
}

/* ===========================
       SCROLLBAR
    =========================== */
::-webkit-scrollbar {
  width: 7px;
}

::-webkit-scrollbar-track {
  background: #f0f4fa;
}

::-webkit-scrollbar-thumb {
  background: var(--primary-light);
  border-radius: 10px;
}

/* ===========================
       UTILITY
    =========================== */
.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
}

.section {
  padding: 90px 0;
}

.section-alt {
  background: var(--bg-light);
}

.tag {
  display: inline-block;
  background: rgba(34, 85, 164, .10);
  color: var(--primary-light);
  font-size: .78rem;
  font-weight: 700;
  letter-spacing: 1.5px;
  text-transform: uppercase;
  padding: 6px 16px;
  border-radius: 50px;
  margin-bottom: 14px;
}

.section-title {
  font-family: 'Sora', sans-serif;
  font-size: clamp(1.8rem, 3vw, 2.6rem);
  font-weight: 800;
  color: var(--text-dark);
  line-height: 1.2;
  margin-bottom: 16px;
}

.section-title span {
  color: var(--accent);
}

.section-subtitle {
  font-size: 1.05rem;
  color: var(--text-light);
  max-width: 620px;
  line-height: 1.75;
}

.center {
  text-align: center;
}

.center .section-subtitle {
  margin: 0 auto;
}

.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 30px;
  border-radius: 50px;
  font-size: .97rem;
  font-weight: 700;
  transition: var(--transition);
}

.btn-primary {
  background: var(--accent);
  color: var(--primary-dark);
  box-shadow: 0 4px 18px rgba(240, 165, 0, .35);
}

.btn-primary:hover {
  background: var(--accent-dark);
  box-shadow: 0 6px 24px rgba(240, 165, 0, .45);
  transform: translateY(-2px);
}

.btn-outline {
  background: transparent;
  border: 2px solid rgba(255, 255, 255, .6);
  color: #fff;
}

.btn-outline:hover {
  background: rgba(255, 255, 255, .12);
  border-color: #fff;
  transform: translateY(-2px);
}

.btn-blue {
  background: var(--primary);
  color: #fff;
  box-shadow: 0 4px 18px rgba(26, 60, 110, .30);
}

.btn-blue:hover {
  background: var(--primary-light);
  transform: translateY(-2px);
}

.grid-2 {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 32px;
}

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

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

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

.flex-between {
  display: flex;
  align-items: center;
  justify-content: space-between;
}

/* ===========================
       HEADER / NAV
    =========================== */
#header {
  position: fixed;
  top: 0;
  left: 0;
  width: 100%;
  z-index: 9999;
  transition: background .35s ease, box-shadow .35s ease;
  padding: 0;
}

#header.scrolled {
  background: var(--bg-white);
  box-shadow: 0 2px 20px rgba(26, 60, 110, .10);
}

.nav-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 72px;
}

.logo {
  display: flex;
  align-items: center;
  gap: 10px;
}

.logo-icon {
  width: 42px;
  height: 42px;
  background: var(--gradient-accent);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.2rem;
  color: var(--primary-dark);
  font-weight: 900;
  flex-shrink: 0;
}

.logo-text {
  font-family: 'Sora', sans-serif;
  font-weight: 800;
  font-size: 1.15rem;
  line-height: 1.1;
}

.logo-text span {
  color: var(--accent);
}

#header:not(.scrolled) .logo-text {
  color: #fff;
}

#header.scrolled .logo-text {
  color: var(--primary-dark);
}

.nav-menu {
  display: flex;
  align-items: center;
  gap: 4px;
}

.nav-menu a {
  padding: 8px 13px;
  border-radius: var(--radius-sm);
  font-size: .92rem;
  font-weight: 500;
  transition: var(--transition);
}

#header:not(.scrolled) .nav-menu a {
  color: rgba(255, 255, 255, .88);
}

#header:not(.scrolled) .nav-menu a:hover {
  color: var(--accent-light);
  background: rgba(255, 255, 255, .08);
}

#header.scrolled .nav-menu a {
  color: var(--text-mid);
}

#header.scrolled .nav-menu a:hover {
  color: var(--primary);
  background: var(--bg-light);
}

.nav-cta {
  background: var(--accent) !important;
  color: var(--primary-dark) !important;
  font-weight: 700 !important;
  border-radius: 50px !important;
  padding: 10px 22px !important;
  box-shadow: 0 4px 14px rgba(240, 165, 0, .3);
}

.nav-cta:hover {
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(240, 165, 0, .4) !important;
}

.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: transparent;
  padding: 4px;
}

.hamburger span {
  width: 26px;
  height: 2.5px;
  background: #fff;
  border-radius: 3px;
  transition: var(--transition);
  display: block;
}

#header.scrolled .hamburger span {
  background: var(--primary);
}

.hamburger.open span:nth-child(1) {
  transform: translateY(7.5px) rotate(45deg);
}

.hamburger.open span:nth-child(2) {
  opacity: 0;
}

.hamburger.open span:nth-child(3) {
  transform: translateY(-7.5px) rotate(-45deg);
}

.mobile-menu {
  display: none;
  position: fixed;
  top: 72px;
  left: 0;
  right: 0;
  background: var(--bg-white);
  padding: 20px 24px 28px;
  box-shadow: 0 8px 32px rgba(0, 0, 0, .12);
  z-index: 9998;
  border-top: 1px solid var(--border);
}

.mobile-menu.open {
  display: block;
}

.mobile-menu a {
  display: block;
  padding: 12px 0;
  font-size: 1rem;
  font-weight: 500;
  color: var(--text-mid);
  border-bottom: 1px solid var(--border);
}

.mobile-menu a:last-child {
  border-bottom: none;
}

.mobile-menu .m-cta {
  margin-top: 16px;
  display: block;
  text-align: center;
  background: var(--accent);
  color: var(--primary-dark);
  font-weight: 700;
  padding: 13px;
  border-radius: 50px;
  border-bottom: none;
}

/* ===========================
       HERO
    =========================== */
#hero {
  background: var(--gradient-hero);
  min-height: 100vh;
  display: flex;
  align-items: center;
  padding-top: 72px;
  position: relative;
  overflow: hidden;
}

.hero-bg-shapes {
  position: absolute;
  inset: 0;
  pointer-events: none;
  overflow: hidden;
}

.hero-circle {
  position: absolute;
  border-radius: 50%;
  background: rgba(255, 255, 255, .04);
}

.hero-circle-1 {
  width: 500px;
  height: 500px;
  top: -150px;
  right: -150px;
}

.hero-circle-2 {
  width: 320px;
  height: 320px;
  bottom: -80px;
  left: -80px;
}

.hero-circle-3 {
  width: 200px;
  height: 200px;
  top: 40%;
  right: 28%;
  background: rgba(240, 165, 0, .06);
}

.hero-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  align-items: center;
  gap: 60px;
  padding: 80px 0 70px;
  position: relative;
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(255, 255, 255, .10);
  border: 1px solid rgba(255, 255, 255, .18);
  border-radius: 50px;
  padding: 7px 16px;
  font-size: .82rem;
  font-weight: 600;
  color: var(--accent-light);
  margin-bottom: 22px;
  backdrop-filter: blur(8px);
}

.hero-badge i {
  font-size: .75rem;
}

.hero-title {
  font-family: 'Sora', sans-serif;
  font-size: clamp(2.2rem, 4.5vw, 3.6rem);
  font-weight: 800;
  color: #fff;
  line-height: 1.15;
  margin-bottom: 22px;
}

.hero-title span {
  color: var(--accent-light);
}

.hero-sub {
  font-size: 1.08rem;
  color: rgba(255, 255, 255, .75);
  line-height: 1.8;
  margin-bottom: 36px;
  max-width: 500px;
}

.hero-btns {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
  margin-bottom: 48px;
}

.hero-trust {
  display: flex;
  gap: 28px;
  flex-wrap: wrap;
}

.trust-item {
  display: flex;
  align-items: center;
  gap: 10px;
}

.trust-num {
  font-family: 'Sora', sans-serif;
  font-size: 1.5rem;
  font-weight: 800;
  color: var(--accent-light);
  line-height: 1;
}

.trust-label {
  font-size: .8rem;
  color: rgba(255, 255, 255, .65);
  line-height: 1.3;
}

.trust-divider {
  width: 1px;
  height: 36px;
  background: rgba(255, 255, 255, .15);
}

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

.hero-card-main {
  background: rgba(255, 255, 255, .10);
  backdrop-filter: blur(20px);
  border: 1px solid rgba(255, 255, 255, .18);
  border-radius: 20px;
  padding: 28px;
  width: 100%;
  max-width: 380px;
}

.hero-card-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 20px;
}

.hero-card-title {
  font-family: 'Sora', sans-serif;
  font-size: 1rem;
  font-weight: 700;
  color: #fff;
}

.hero-card-badge {
  background: rgba(0, 210, 120, .2);
  color: #00d278;
  font-size: .72rem;
  font-weight: 700;
  padding: 4px 10px;
  border-radius: 50px;
}

.hero-stats-row {
  display: flex;
  gap: 16px;
  margin-bottom: 20px;
}

.hero-stat {
  flex: 1;
  background: rgba(255, 255, 255, .08);
  border-radius: 10px;
  padding: 14px 12px;
  text-align: center;
}

.hero-stat-val {
  font-family: 'Sora', sans-serif;
  font-size: 1.25rem;
  font-weight: 800;
  color: var(--accent-light);
  line-height: 1;
  margin-bottom: 4px;
}

.hero-stat-lbl {
  font-size: .72rem;
  color: rgba(255, 255, 255, .6);
}

.hero-bar-section {
  margin-bottom: 6px;
}

.hero-bar-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-bottom: 6px;
}

.hero-bar-label {
  font-size: .78rem;
  color: rgba(255, 255, 255, .7);
}

.hero-bar-val {
  font-size: .78rem;
  font-weight: 700;
  color: #fff;
}

.hero-bar-track {
  height: 6px;
  background: rgba(255, 255, 255, .15);
  border-radius: 10px;
  margin-bottom: 10px;
  overflow: hidden;
}

.hero-bar-fill {
  height: 100%;
  border-radius: 10px;
}

.fill-gold {
  background: var(--gradient-accent);
}

.fill-cyan {
  background: linear-gradient(90deg, #06b6d4, #38bdf8);
}

.fill-green {
  background: linear-gradient(90deg, #10b981, #34d399);
}

.hero-float-cards {
  position: absolute;
}

.float-card {
  background: rgba(255, 255, 255, .14);
  backdrop-filter: blur(12px);
  border: 1px solid rgba(255, 255, 255, .2);
  border-radius: 14px;
  padding: 12px 16px;
  display: flex;
  align-items: center;
  gap: 10px;
  animation: floatCard 3s ease-in-out infinite;
  position: absolute;
}

.float-icon {
  width: 36px;
  height: 36px;
  border-radius: 9px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: .9rem;
  flex-shrink: 0;
}

.float-text-title {
  font-size: .78rem;
  font-weight: 700;
  color: #fff;
}

.float-text-sub {
  font-size: .68rem;
  color: rgba(255, 255, 255, .6);
}

.float-1 {
  top: -20px;
  left: -60px;
  animation-delay: 0s;
}

.float-2 {
  bottom: -10px;
  right: -50px;
  animation-delay: 1.2s;
}

.float-3 {
  top: 50%;
  left: -80px;
  transform: translateY(-50%);
  animation-delay: 0.6s;
}

@keyframes floatCard {

  0%,
  100% {
    transform: translateY(0);
  }

  50% {
    transform: translateY(-8px);
  }
}

.float-3 {
  animation-name: floatCard3;
}

@keyframes floatCard3 {

  0%,
  100% {
    transform: translateY(-50%) translateY(0);
  }

  50% {
    transform: translateY(-50%) translateY(-8px);
  }
}

/* ===========================
       ABOUT PREVIEW
    =========================== */
.about-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
}

.about-visual {
  position: relative;
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.about-img-card {
  background: var(--gradient-hero);
  border-radius: 20px;
  padding: 36px;
  display: flex;
  align-items: center;
  justify-content: center;
  min-height: 280px;
  position: relative;
  overflow: hidden;
}

.about-icon-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 12px;
  width: 100%;
}

.about-icon-box {
  background: rgba(255, 255, 255, .10);
  border: 1px solid rgba(255, 255, 255, .15);
  border-radius: 12px;
  padding: 16px 10px;
  text-align: center;
}

.about-icon-box i {
  font-size: 1.5rem;
  color: var(--accent-light);
  margin-bottom: 6px;
  display: block;
}

.about-icon-box span {
  font-size: .7rem;
  color: rgba(255, 255, 255, .7);
  font-weight: 500;
}

.about-stat-row {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 12px;
}

.about-stat-box {
  background: var(--bg-white);
  border-radius: 14px;
  padding: 18px 14px;
  text-align: center;
  box-shadow: var(--card-shadow);
  border: 1px solid var(--border);
}

.about-stat-num {
  font-family: 'Sora', sans-serif;
  font-size: 1.4rem;
  font-weight: 800;
  color: var(--primary);
  line-height: 1;
  margin-bottom: 4px;
}

.about-stat-lbl {
  font-size: .72rem;
  color: var(--text-light);
}

.about-highlights {
  display: flex;
  flex-direction: column;
  gap: 14px;
  margin: 24px 0;
}

.about-hl {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 14px 16px;
  background: var(--bg-light);
  border-radius: var(--radius-sm);
  border-left: 3px solid var(--accent);
}

.about-hl-icon {
  width: 36px;
  height: 36px;
  background: var(--accent);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--primary-dark);
  font-size: .9rem;
  flex-shrink: 0;
}

.about-hl span {
  font-size: .93rem;
  font-weight: 600;
  color: var(--text-dark);
}

/* ===========================
       WHY CHOOSE US
    =========================== */
.why-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-top: 48px;
}

.why-card {
  background: var(--bg-white);
  border-radius: var(--radius);
  padding: 30px 24px;
  border: 1px solid var(--border);
  box-shadow: var(--card-shadow);
  transition: var(--transition);
  position: relative;
  overflow: hidden;
}

.why-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  width: 4px;
  height: 100%;
  background: var(--gradient-accent);
  border-radius: 4px 0 0 4px;
  opacity: 0;
  transition: var(--transition);
}

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

.why-card:hover::before {
  opacity: 1;
}

.why-icon {
  width: 52px;
  height: 52px;
  background: linear-gradient(135deg, rgba(26, 60, 110, .1), rgba(34, 85, 164, .05));
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.4rem;
  color: var(--primary);
  margin-bottom: 18px;
  transition: var(--transition);
}

.why-card:hover .why-icon {
  background: var(--gradient-hero);
  color: #fff;
}

.why-card h3 {
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--text-dark);
  margin-bottom: 8px;
}

.why-card p {
  font-size: .9rem;
  color: var(--text-light);
  line-height: 1.65;
}

/* ===========================
       SERVICES
    =========================== */
.services-tabs {
  display: flex;
  gap: 10px;
  flex-wrap: wrap;
  justify-content: center;
  margin: 36px 0 44px;
}

.s-tab {
  padding: 10px 22px;
  border-radius: 50px;
  font-size: .88rem;
  font-weight: 600;
  background: var(--bg-white);
  border: 1.5px solid var(--border);
  color: var(--text-mid);
  transition: var(--transition);
  cursor: pointer;
}

.s-tab.active,
.s-tab:hover {
  background: var(--primary);
  color: #fff;
  border-color: var(--primary);
}

.services-panel {
  display: none;
}

.services-panel.active {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 18px;
}

.svc-card {
  background: var(--bg-white);
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  padding: 22px 18px;
  transition: var(--transition);
  cursor: pointer;
  position: relative;
  overflow: hidden;
}

.svc-card:hover {
  border-color: var(--primary-light);
  box-shadow: var(--card-shadow-hover);
  transform: translateY(-3px);
}

.svc-icon {
  width: 46px;
  height: 46px;
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.2rem;
  margin-bottom: 12px;
  transition: var(--transition);
}

.svc-card:hover .svc-icon {
  transform: scale(1.1);
}

.svc-icon-loan {
  background: rgba(26, 60, 110, .1);
  color: var(--primary);
}

.svc-icon-ins {
  background: rgba(6, 182, 212, .1);
  color: var(--secondary);
}

.svc-icon-inv {
  background: rgba(240, 165, 0, .15);
  color: var(--accent-dark);
}

.svc-icon-cons {
  background: rgba(16, 185, 129, .1);
  color: #10b981;
}

.svc-card h4 {
  font-size: .9rem;
  font-weight: 700;
  color: var(--text-dark);
  margin-bottom: 4px;
}

.svc-card p {
  font-size: .78rem;
  color: var(--text-light);
  line-height: 1.5;
}

.svc-arrow {
  position: absolute;
  top: 18px;
  right: 18px;
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: var(--bg-light);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: .7rem;
  color: var(--text-light);
  transition: var(--transition);
}

.svc-card:hover .svc-arrow {
  background: var(--primary);
  color: #fff;
}

/* ===========================
       TESTIMONIALS
    =========================== */
#testimonials {
  background: var(--gradient-hero);
  padding: 90px 0;
}

#testimonials .tag {
  background: rgba(240, 165, 0, .2);
  color: var(--accent-light);
}

#testimonials .section-title {
  color: #fff;
}

#testimonials .section-subtitle {
  color: rgba(255, 255, 255, .65);
}

.testi-carousel {
  position: relative;
  overflow: hidden;
  margin-top: 50px;
}

.testi-track {
  display: flex;
  transition: transform .5s ease;
}

.testi-card {
  min-width: calc(33.333% - 16px);
  margin-right: 24px;
  background: rgba(255, 255, 255, .08);
  backdrop-filter: blur(16px);
  border: 1px solid rgba(255, 255, 255, .14);
  border-radius: 18px;
  padding: 28px 24px;
  flex-shrink: 0;
}

.testi-quote {
  font-size: 2.5rem;
  color: var(--accent-light);
  line-height: 1;
  margin-bottom: 14px;
  font-family: Georgia, serif;
}

.testi-text {
  font-size: .95rem;
  color: rgba(255, 255, 255, .82);
  line-height: 1.75;
  margin-bottom: 22px;
}

.testi-author {
  display: flex;
  align-items: center;
  gap: 14px;
}

.testi-avatar {
  width: 50px;
  height: 50px;
  border-radius: 50%;
  background: var(--gradient-accent);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: 'Sora', sans-serif;
  font-weight: 800;
  font-size: 1.1rem;
  color: var(--primary-dark);
  flex-shrink: 0;
}

.testi-name {
  font-weight: 700;
  color: #fff;
  font-size: .95rem;
}

.testi-role {
  font-size: .78rem;
  color: rgba(255, 255, 255, .55);
}

.testi-stars {
  color: var(--accent);
  font-size: .85rem;
  margin-top: 4px;
}

.testi-controls {
  display: flex;
  gap: 12px;
  justify-content: center;
  margin-top: 32px;
}

.testi-btn {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background: rgba(255, 255, 255, .12);
  border: 1px solid rgba(255, 255, 255, .18);
  color: #fff;
  font-size: 1rem;
  transition: var(--transition);
  display: flex;
  align-items: center;
  justify-content: center;
}

.testi-btn:hover {
  background: var(--accent);
  border-color: var(--accent);
  color: var(--primary-dark);
}

.testi-dots {
  display: flex;
  gap: 8px;
  align-items: center;
}

.testi-dot {
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: rgba(255, 255, 255, .3);
  cursor: pointer;
  transition: var(--transition);
}

.testi-dot.active {
  background: var(--accent);
  width: 24px;
  border-radius: 4px;
}

/* ===========================
       FAQ
    =========================== */
.faq-grid {
  max-width: 820px;
  margin: 50px auto 0;
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.faq-item {
  background: var(--bg-white);
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  overflow: hidden;
  transition: var(--transition);
}

.faq-item.open {
  border-color: var(--primary-light);
  box-shadow: 0 4px 16px rgba(26, 60, 110, .08);
}

.faq-q {
  padding: 20px 22px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  cursor: pointer;
  font-weight: 600;
  font-size: .97rem;
  color: var(--text-dark);
  user-select: none;
}

.faq-icon {
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: var(--bg-light);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: .8rem;
  color: var(--text-mid);
  flex-shrink: 0;
  transition: var(--transition);
}

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

.faq-a {
  max-height: 0;
  overflow: hidden;
  transition: max-height .35s ease, padding .35s ease;
  padding: 0 22px;
  font-size: .93rem;
  color: var(--text-light);
  line-height: 1.75;
}

.faq-item.open .faq-a {
  max-height: 200px;
  padding: 0 22px 18px;
}

/* ===========================
       CONTACT FORM
    =========================== */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1.5fr;
  gap: 50px;
  align-items: start;
}

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

.contact-info-title {
  font-family: 'Sora', sans-serif;
  font-size: 1.6rem;
  font-weight: 800;
  color: var(--text-dark);
  line-height: 1.25;
}

.contact-info-sub {
  font-size: .95rem;
  color: var(--text-light);
  line-height: 1.75;
}

.contact-detail {
  display: flex;
  align-items: flex-start;
  gap: 14px;
}

.contact-det-icon {
  width: 44px;
  height: 44px;
  border-radius: 11px;
  background: rgba(26, 60, 110, .08);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--primary);
  font-size: 1rem;
  flex-shrink: 0;
}

.contact-det-label {
  font-size: .78rem;
  color: var(--text-light);
  margin-bottom: 2px;
}

.contact-det-val {
  font-size: .93rem;
  font-weight: 600;
  color: var(--text-dark);
}

.contact-form-card {
  background: var(--bg-white);
  border-radius: 20px;
  padding: 36px;
  border: 1.5px solid var(--border);
  box-shadow: var(--card-shadow);
}

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

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

.form-group.full {
  grid-column: 1 / -1;
}

.form-group label {
  font-size: .82rem;
  font-weight: 600;
  color: var(--text-mid);
}

.form-group input,
.form-group select,
.form-group textarea {
  padding: 12px 16px;
  border: 1.5px solid var(--border);
  border-radius: var(--radius-sm);
  font-size: .93rem;
  color: var(--text-dark);
  background: var(--bg-light);
  font-family: inherit;
  transition: var(--transition);
  outline: none;
  resize: none;
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  border-color: var(--primary-light);
  background: var(--bg-white);
  box-shadow: 0 0 0 3px rgba(34, 85, 164, .08);
}

.form-success {
  display: none;
  text-align: center;
  padding: 28px 20px;
}

.form-success i {
  font-size: 2.5rem;
  color: #10b981;
  margin-bottom: 12px;
  display: block;
}

.form-success h3 {
  font-size: 1.1rem;
  font-weight: 700;
  color: var(--text-dark);
  margin-bottom: 8px;
}

.form-success p {
  font-size: .9rem;
  color: var(--text-light);
}

/* ===========================
       NEWSLETTER
    =========================== */
#newsletter {
  background: var(--gradient-hero);
  padding: 80px 0;
}

.newsletter-inner {
  max-width: 680px;
  margin: 0 auto;
  text-align: center;
}

.newsletter-icon {
  width: 64px;
  height: 64px;
  background: var(--gradient-accent);
  border-radius: 18px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.6rem;
  color: var(--primary-dark);
  margin: 0 auto 22px;
}

#newsletter .section-title {
  color: #fff;
}

#newsletter .section-subtitle {
  color: rgba(255, 255, 255, .65);
  margin: 0 auto 32px;
}

.newsletter-form .nl-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
  margin-bottom: 14px;
}

.newsletter-form input,
.newsletter-form select {
  padding: 13px 18px;
  border-radius: 10px;
  border: 1.5px solid rgba(255, 255, 255, .2);
  background: rgba(255, 255, 255, .1);
  color: #fff;
  font-size: .92rem;
  font-family: inherit;
  outline: none;
  transition: var(--transition);
}

.newsletter-form input::placeholder {
  color: rgba(255, 255, 255, .5);
}

.newsletter-form input:focus {
  border-color: var(--accent);
  background: rgba(255, 255, 255, .15);
}

.nl-check {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  margin-bottom: 20px;
  text-align: left;
}

.nl-check input[type="checkbox"] {
  margin-top: 3px;
  accent-color: var(--accent);
}

.nl-check label {
  font-size: .83rem;
  color: rgba(255, 255, 255, .7);
  line-height: 1.5;
}

.nl-success {
  display: none;
  padding: 16px;
  background: rgba(16, 185, 129, .15);
  border: 1px solid rgba(16, 185, 129, .4);
  border-radius: 10px;
  color: #34d399;
  font-weight: 600;
  font-size: .93rem;
  text-align: center;
}

/* ===========================
       PRIVACY & TERMS (MODALS)
    =========================== */
.modal-overlay {
  position: fixed;
  inset: 0;
  background: rgba(10, 20, 40, .6);
  z-index: 99999;
  display: none;
  align-items: center;
  justify-content: center;
  padding: 20px;
  backdrop-filter: blur(4px);
}

.modal-overlay.open {
  display: flex;
}

.modal-box {
  background: var(--bg-white);
  border-radius: 20px;
  max-width: 720px;
  width: 100%;
  max-height: 80vh;
  overflow-y: auto;
  padding: 40px 36px;
  position: relative;
  animation: modalIn .3s ease;
}

@keyframes modalIn {
  from {
    transform: scale(.92);
    opacity: 0;
  }

  to {
    transform: scale(1);
    opacity: 1;
  }
}

.modal-close {
  position: absolute;
  top: 18px;
  right: 18px;
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: var(--bg-light);
  border: none;
  font-size: 1rem;
  color: var(--text-mid);
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  transition: var(--transition);
}

.modal-close:hover {
  background: #fee2e2;
  color: #ef4444;
}

.modal-title {
  font-family: 'Sora', sans-serif;
  font-size: 1.5rem;
  font-weight: 800;
  color: var(--primary-dark);
  margin-bottom: 6px;
}

.modal-subtitle {
  font-size: .85rem;
  color: var(--text-light);
  margin-bottom: 24px;
  padding-bottom: 16px;
  border-bottom: 1.5px solid var(--border);
}

.modal-section {
  margin-bottom: 22px;
}

.modal-section h3 {
  font-size: 1rem;
  font-weight: 700;
  color: var(--text-dark);
  margin-bottom: 8px;
}

.modal-section p,
.modal-section li {
  font-size: .9rem;
  color: var(--text-light);
  line-height: 1.75;
}

.modal-section ul {
  padding-left: 18px;
}

.modal-section ul li {
  list-style: disc;
  margin-bottom: 4px;
}

/* ===========================
       FOOTER
    =========================== */
footer {
  background: var(--primary-dark);
  padding: 70px 0 0;
}

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 40px;
  padding-bottom: 50px;
  border-bottom: 1px solid rgba(255, 255, 255, .08);
}

.footer-brand .logo-text {
  color: #fff;
  font-size: 1.2rem;
}

.footer-desc {
  font-size: .88rem;
  color: rgba(255, 255, 255, .5);
  line-height: 1.8;
  margin: 16px 0 22px;
  max-width: 300px;
}

.footer-socials {
  display: flex;
  gap: 10px;
}

.social-btn {
  width: 38px;
  height: 38px;
  border-radius: 9px;
  background: rgba(255, 255, 255, .08);
  display: flex;
  align-items: center;
  justify-content: center;
  color: rgba(255, 255, 255, .6);
  font-size: .9rem;
  transition: var(--transition);
}

.social-btn:hover {
  background: var(--accent);
  color: var(--primary-dark);
}

.footer-col h4 {
  font-size: .88rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 1px;
  color: rgba(255, 255, 255, .4);
  margin-bottom: 18px;
}

.footer-col ul {
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.footer-col ul a {
  font-size: .88rem;
  color: rgba(255, 255, 255, .62);
  transition: var(--transition);
}

.footer-col ul a:hover {
  color: var(--accent);
  padding-left: 4px;
}

.footer-bottom {
  padding: 18px 0;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  flex-wrap: wrap;
}

.footer-bottom p {
  font-size: .83rem;
  color: rgba(255, 255, 255, .35);
}

.footer-bottom-links {
  display: flex;
  gap: 16px;
}

.footer-bottom-links a {
  font-size: .83rem;
  color: rgba(255, 255, 255, .4);
  transition: var(--transition);
}

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

/* ===========================
       BACK TO TOP
    =========================== */
#backToTop {
  position: fixed;
  bottom: 28px;
  right: 28px;
  width: 46px;
  height: 46px;
  border-radius: 50%;
  background: var(--accent);
  color: var(--primary-dark);
  border: none;
  font-size: 1rem;
  box-shadow: 0 4px 16px rgba(240, 165, 0, .4);
  display: flex;
  align-items: center;
  justify-content: center;
  z-index: 9990;
  opacity: 0;
  pointer-events: none;
  transform: translateY(10px);
  transition: var(--transition);
}

#backToTop.visible {
  opacity: 1;
  pointer-events: all;
  transform: translateY(0);
}

#backToTop:hover {
  background: var(--accent-dark);
  transform: translateY(-3px);
}

/* ===========================
       RESPONSIVE
    =========================== */
@media (max-width: 1100px) {
  .hero-grid {
    gap: 40px;
  }

  .services-panel.active {
    grid-template-columns: repeat(3, 1fr);
  }
}

@media (max-width: 960px) {
  .hero-grid {
    grid-template-columns: 1fr;
    padding: 60px 0 50px;
  }

  .hero-visual {
    margin-top: 10px;
  }

  .float-1,
  .float-2,
  .float-3 {
    display: none;
  }

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

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

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

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

  .testi-card {
    min-width: calc(50% - 12px);
  }
}

@media (max-width: 768px) {
  .nav-menu {
    display: none;
  }

  .hamburger {
    display: flex;
  }

  .section {
    padding: 60px 0;
  }

  .grid-2,
  .grid-3,
  .grid-4 {
    grid-template-columns: 1fr;
  }

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

  .services-panel.active {
    grid-template-columns: repeat(2, 1fr);
  }

  .contact-grid {
    gap: 30px;
  }

  .contact-form-card {
    padding: 24px;
  }

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

  .form-group.full {
    grid-column: 1;
  }

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

  .footer-grid {
    grid-template-columns: 1fr;
    gap: 24px;
  }

  .footer-bottom {
    flex-direction: column;
    text-align: center;
  }

  .testi-card {
    min-width: calc(100% - 0px);
    margin-right: 0;
  }

  .modal-box {
    padding: 28px 20px;
  }

  .hero-card-main {
    max-width: 100%;
  }
}

@media (max-width: 480px) {
  .services-panel.active {
    grid-template-columns: 1fr 1fr;
  }

  .hero-trust {
    gap: 16px;
  }

  .trust-divider {
    display: none;
  }
}

/* ===========================
       ANIMATIONS
    =========================== */
.fade-up {
  opacity: 0;
  transform: translateY(30px);
  transition: opacity .6s ease, transform .6s ease;
}

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

.stagger-1 {
  transition-delay: .1s;
}

.stagger-2 {
  transition-delay: .2s;
}

.stagger-3 {
  transition-delay: .3s;
}

.stagger-4 {
  transition-delay: .4s;
}

.stagger-5 {
  transition-delay: .5s;
}

.stagger-6 {
  transition-delay: .6s;
}

/* Progress bar on top */
#progress-bar {
  position: fixed;
  top: 0;
  left: 0;
  height: 3px;
  background: var(--accent);
  z-index: 100000;
  width: 0%;
  transition: width .1s linear;
}