/* =====================================================================
   WETHU MICRO LENDERS — STYLESHEET
   Palette: navy (trust) + emerald (success) + gold (CTA) + cyan (accent)
   Site background: animated gradient + drifting circles on every page
   ===================================================================== */

/* ==================== ROOT VARIABLES ==================== */
:root {
    --primary-blue: #0b4f71;
    --primary-blue-dark: #06344b;
    --primary-blue-light: #1476a5;
    --accent-blue: #1684bd;
    --accent-cyan: #1aa6c9;
    --light-blue: #eaf6fc;

    --accent-green: #20c66b;
    --accent-green-dark: #159b50;
    --accent-green-soft: #e9fbf1;

    --accent-gold: #f4b323;
    --accent-gold-soft: #fff6dd;
    --accent-gold-dark: #d99408;

    --accent-coral: #ff6f61;
    --accent-lavender: #6f63ff;

    --text-dark: #12202b;
    --text-gray: #5e6d78;
    --white: #ffffff;
    --bg-light: #f5f9fc;
    --bg-cream: #fffdf8;
    --bg-sky: #eef8fd;
    --border-light: #dfe9ef;

    --shadow-xs: 0 2px 8px rgba(8, 51, 73, .05);
    --shadow-sm: 0 5px 18px rgba(8, 51, 73, .07);
    --shadow-md: 0 14px 34px rgba(8, 51, 73, .10);
    --shadow-lg: 0 24px 55px rgba(8, 51, 73, .13);
    --shadow-xl: 0 34px 80px rgba(8, 51, 73, .16);

    --radius-sm: 10px;
    --radius-md: 16px;
    --radius-lg: 22px;
    --radius-xl: 30px;
    --radius-2xl: 38px;
    --transition: .35s cubic-bezier(.22, 1, .36, 1);
    --transition-fast: .22s cubic-bezier(.22, 1, .36, 1);
}

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

/* ==================== PAGE BACKGROUND (animated gradient) ==================== */
html {
    scroll-behavior: smooth;
    scroll-padding-top: 92px;
    -webkit-tap-highlight-color: transparent;
    background: linear-gradient(135deg,
        #eaf6fc 0%,
        #e2eef8 20%,
        #e6f4ee 42%,
        #eef7fd 62%,
        #f8f4ea 82%,
        #eaf3fa 100%);
    background-size: 220% 220%;
    background-attachment: fixed;
    animation: pageWash 30s ease-in-out infinite;
}

@keyframes pageWash {
    0%, 100% { background-position: 0% 50%; }
    50%      { background-position: 100% 50%; }
}

body {
    position: relative;
    font-family: 'Inter', system-ui, -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
    color: var(--text-dark);
    background: transparent;
    line-height: 1.65;
    overflow-x: hidden;
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
}

body::selection { background: rgba(20, 118, 165, .18); }

/* -------- Floating circle layer 1 -------- */
body::before {
    content: '';
    position: fixed;
    inset: 0;
    z-index: -2;
    pointer-events: none;
    background-image:
        radial-gradient(circle at 12% 16%, rgba(22, 132, 189, .22), transparent 30%),
        radial-gradient(circle at 88% 10%, rgba(26, 166, 201, .18), transparent 28%),
        radial-gradient(circle at 22% 82%, rgba(244, 179, 35, .14), transparent 28%),
        radial-gradient(circle at 84% 86%, rgba(32, 198, 107, .15), transparent 28%),
        radial-gradient(circle at 92% 24%,
            transparent 11.2%,
            rgba(20, 132, 189, .10) 11.4%,
            rgba(20, 132, 189, .10) 12%,
            transparent 12.2%,
            transparent 15.6%,
            rgba(20, 132, 189, .06) 15.8%,
            rgba(20, 132, 189, .06) 16.2%,
            transparent 16.4%);
    animation: floatCirclesA 26s ease-in-out infinite;
}

/* -------- Floating circle layer 2 -------- */
body::after {
    content: '';
    position: fixed;
    inset: 0;
    z-index: -3;
    pointer-events: none;
    background-image:
        radial-gradient(circle at 72% 30%, rgba(20, 132, 189, .18), transparent 22%),
        radial-gradient(circle at 30% 60%, rgba(26, 166, 201, .14), transparent 20%),
        radial-gradient(circle at 55% 6%,  rgba(32, 198, 107, .14), transparent 18%),
        radial-gradient(circle at 6% 46%,  rgba(244, 179, 35, .14), transparent 22%),
        radial-gradient(circle at 6% 84%,
            transparent 9.6%,
            rgba(26, 166, 201, .12) 9.8%,
            rgba(26, 166, 201, .12) 10.4%,
            transparent 10.6%,
            transparent 13.6%,
            rgba(26, 166, 201, .07) 13.8%,
            rgba(26, 166, 201, .07) 14.2%,
            transparent 14.4%);
    animation: floatCirclesB 34s ease-in-out infinite;
}

@keyframes floatCirclesA {
    0%, 100% { transform: translate3d(0, 0, 0) scale(1); }
    33%      { transform: translate3d(2.4%, -2%, 0) scale(1.05); }
    66%      { transform: translate3d(-1.6%, 2.2%, 0) scale(1.03); }
}
@keyframes floatCirclesB {
    0%, 100% { transform: translate3d(0, 0, 0) scale(1); }
    40%      { transform: translate3d(-2.6%, 2%, 0) scale(1.07); }
    75%      { transform: translate3d(2%, -1.6%, 0) scale(1.04); }
}

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

a, button, input { -webkit-tap-highlight-color: transparent; }
a { text-underline-offset: 3px; }

/* ==================== SCROLL PROGRESS ==================== */
.scroll-progress {
    position: fixed;
    top: 0;
    left: 0;
    height: 3px;
    width: 0;
    background: linear-gradient(90deg, var(--primary-blue), var(--accent-cyan), var(--accent-gold));
    z-index: 2000;
    transition: width .08s linear;
    box-shadow: 0 0 12px rgba(20, 132, 189, .45);
    pointer-events: none;
}

/* ==================== NAVIGATION ==================== */
nav {
    display: flex;
    justify-content: space-between;
    align-items: center;
    min-height: 76px;
    padding: 12px clamp(18px, 5vw, 72px);
    background: rgba(255, 255, 255, .82);
    border-bottom: 1px solid rgba(223, 233, 239, .72);
    box-shadow: 0 1px 0 rgba(255, 255, 255, .8);
    backdrop-filter: blur(18px) saturate(1.2);
    -webkit-backdrop-filter: blur(18px) saturate(1.2);
    position: sticky;
    top: 0;
    z-index: 1000;
    transition: var(--transition);
}
nav.scrolled {
    background: rgba(255, 255, 255, .94);
    border-bottom-color: rgba(11, 79, 113, .10);
    box-shadow: 0 8px 28px rgba(8, 51, 73, .08);
}

.logo {
    display: flex;
    align-items: center;
    gap: 11px;
    font-size: 1rem;
    font-weight: 700;
    color: var(--primary-blue);
    line-height: 1.2;
    text-decoration: none;
    cursor: pointer;
    z-index: 1001;
}
.logo-icon {
    width: 46px;
    height: 46px;
    border-radius: 15px;
    object-fit: cover;
    flex-shrink: 0;
    background: linear-gradient(145deg, #0b4f71, #1a88bb);
    box-shadow: 0 8px 20px rgba(11, 79, 113, .22);
    transition: transform var(--transition), box-shadow var(--transition);
    display: block;
}
.logo:hover .logo-icon {
    transform: rotate(-3deg) scale(1.04);
    box-shadow: 0 12px 26px rgba(11, 79, 113, .28);
}
.logo-text { display: flex; flex-direction: column; }
.logo-text .brand {
    font-size: 1.18rem;
    font-weight: 800;
    letter-spacing: -.45px;
    color: var(--primary-blue-dark);
}
.logo-text .sub {
    font-size: .57rem;
    font-weight: 600;
    letter-spacing: 2.5px;
    text-transform: uppercase;
    color: var(--accent-blue);
}

.nav-links {
    display: flex;
    list-style: none;
    gap: 2px;
    align-items: center;
}
.nav-links a {
    position: relative;
    text-decoration: none;
    color: #30424f;
    font-weight: 600;
    font-size: .86rem;
    padding: 9px 13px;
    border-radius: 12px;
    transition: var(--transition-fast);
    white-space: nowrap;
}
.nav-links a::after {
    content: '';
    position: absolute;
    left: 13px;
    right: 13px;
    bottom: 5px;
    height: 2px;
    border-radius: 999px;
    background: var(--primary-blue);
    transform: scaleX(0);
    transform-origin: center;
    transition: transform var(--transition-fast);
}
.nav-links a:hover,
.nav-links a.active {
    color: var(--primary-blue);
    background: rgba(234, 246, 252, .8);
}
.nav-links a:hover::after,
.nav-links a.active::after { transform: scaleX(1); }

.btn-apply-nav {
    position: relative;
    overflow: hidden;
    background: linear-gradient(135deg, var(--primary-blue), var(--accent-blue)) !important;
    color: #fff !important;
    padding: 11px 20px !important;
    border-radius: 12px !important;
    font-weight: 700;
    font-size: .85rem;
    transition: var(--transition-fast);
    box-shadow: 0 10px 24px rgba(11, 79, 113, .22);
    white-space: nowrap;
}
.btn-apply-nav:hover {
    background: linear-gradient(135deg, var(--primary-blue-dark), var(--primary-blue)) !important;
    transform: translateY(-1px);
    box-shadow: 0 12px 28px rgba(11, 79, 113, .30);
}

.btn-apply-nav::before,
.btn-primary::before,
.btn-white::before,
.team-whatsapp::before {
    content: '';
    position: absolute;
    top: 0;
    bottom: 0;
    left: -130%;
    width: 80%;
    transform: skewX(-20deg);
    background: linear-gradient(90deg, transparent, rgba(255, 255, 255, .22), transparent);
    transition: left .7s ease;
    pointer-events: none;
}
.btn-apply-nav:hover::before,
.btn-primary:hover::before,
.btn-white:hover::before,
.team-whatsapp:hover::before { left: 150%; }

.hamburger {
    display: none;
    flex-direction: column;
    cursor: pointer;
    gap: 5px;
    z-index: 1001;
    padding: 8px;
    background: none;
    border: none;
}
.hamburger span {
    width: 26px;
    height: 2.5px;
    background: var(--text-dark);
    border-radius: 3px;
    transition: var(--transition-fast);
    display: block;
}
.hamburger.active span:nth-child(1),
.hamburger[aria-expanded="true"] span:nth-child(1) { transform: rotate(45deg) translate(5px, 5px); }
.hamburger.active span:nth-child(2),
.hamburger[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.hamburger.active span:nth-child(3),
.hamburger[aria-expanded="true"] span:nth-child(3) { transform: rotate(-45deg) translate(5px, -5px); }

.mobile-menu-overlay {
    display: none;
    position: fixed;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background: rgba(0, 0, 0, .5);
    z-index: 998;
    opacity: 0;
    transition: opacity .3s;
}
.mobile-menu-overlay.active { opacity: 1; }

/* ==================== HERO ==================== */
.hero {
    position: relative;
    overflow: hidden;
    padding: 0;
    background: none;
    display: block;
}

.hero-rich {
    display: block;
    padding: 0;
    margin: 0;
    min-height: auto;
    background: none;
    isolation: auto;
}
.hero-rich::before,
.hero-rich::after { display: none; }
.hero-rich .hero-bg,
.hero-rich .hero-overlay { display: none; }
.hero-orb { display: none; }

.hero-content {
    position: relative;
    width: 100%;
    max-width: none;
    margin: 0;
    padding: clamp(64px, 8vw, 120px) clamp(28px, 6vw, 100px);
    border-radius: 0;
    aspect-ratio: 16 / 9;
    min-height: 560px;
    display: flex;
    flex-direction: column;
    justify-content: center;
    overflow: hidden;
    color: #fff;
    text-align: left;
    box-shadow: none;
    isolation: isolate;

    background:
        radial-gradient(ellipse 55% 70% at 96% 4%,
            rgba(244, 179, 35, .32) 0%,
            rgba(244, 179, 35, .10) 30%,
            transparent 62%),
        radial-gradient(ellipse 52% 68% at 2% 100%,
            rgba(32, 198, 107, .26) 0%,
            rgba(32, 198, 107, .08) 32%,
            transparent 62%),
        radial-gradient(ellipse 46% 62% at 88% 66%,
            rgba(26, 166, 201, .30) 0%,
            transparent 60%),
        linear-gradient(115deg,
            rgba(4, 30, 46, .96) 0%,
            rgba(6, 52, 75, .92) 26%,
            rgba(11, 79, 113, .86) 50%,
            rgba(20, 132, 189, .78) 76%,
            rgba(26, 166, 201, .70) 100%),
        radial-gradient(ellipse at center,
            transparent 42%,
            rgba(0, 0, 0, .28) 100%),
        url('../Images/Finances.png') center center / cover no-repeat;
}

.hero-content::before {
    content: '';
    position: absolute;
    inset: 0;
    background:
        radial-gradient(circle at 74% 26%, rgba(127, 220, 255, .22), transparent 38%),
        radial-gradient(circle at 16% 76%, rgba(244, 179, 35, .20), transparent 42%),
        radial-gradient(circle at 48% 52%, rgba(32, 198, 107, .12), transparent 55%);
    pointer-events: none;
    z-index: 0;
    opacity: .95;
    animation: heroGlowFloat 16s ease-in-out infinite;
}

@keyframes heroGlowFloat {
    0%, 100% { transform: translate3d(0, 0, 0) scale(1); opacity: .85; }
    50%      { transform: translate3d(1.6%, -2.2%, 0) scale(1.06); opacity: 1; }
}

.hero-content::after {
    content: '';
    position: absolute;
    inset: 0;
    background: linear-gradient(105deg,
        transparent 40%,
        rgba(255, 255, 255, .10) 50%,
        transparent 60%);
    background-size: 250% 100%;
    background-position: 200% 0;
    pointer-events: none;
    z-index: 0;
    animation: heroShine 18s ease-in-out infinite;
}

@keyframes heroShine {
    0%       { background-position: 200% 0; opacity: 0; }
    15%      { opacity: 1; }
    60%      { opacity: 1; }
    100%     { background-position: -120% 0; opacity: 0; }
}

.hero::after {
    content: '';
    position: absolute;
    left: 0;
    right: 0;
    bottom: 0;
    height: 4px;
    background: linear-gradient(90deg,
        #f4b323 0%,
        #20c66b 26%,
        #1aa6c9 52%,
        #1684bd 76%,
        #0b4f71 100%);
    z-index: 3;
    pointer-events: none;
    box-shadow: 0 -1px 12px rgba(26, 166, 201, .35);
}

.hero-content > * { position: relative; z-index: 1; }

.hero-badge {
    display: inline-flex;
    align-items: center;
    gap: 9px;
    padding: 9px 15px;
    margin-bottom: 22px;
    border: 1px solid rgba(255, 255, 255, .24);
    background: rgba(255, 255, 255, .12);
    color: #fff;
    border-radius: 30px;
    font-size: .77rem;
    font-weight: 700;
    letter-spacing: .35px;
    backdrop-filter: blur(12px);
    -webkit-backdrop-filter: blur(12px);
    box-shadow: 0 4px 14px rgba(0, 0, 0, .18);
    animation: fadeSlideUp .7s .05s both cubic-bezier(.22, 1, .36, 1);
    align-self: flex-start;
}
.hero-badge-dot {
    width: 9px;
    height: 9px;
    border-radius: 50%;
    background: var(--accent-green);
    box-shadow: 0 0 0 0 rgba(32, 198, 107, .65);
    animation: livePulse 2s infinite;
    flex-shrink: 0;
}
@keyframes livePulse {
    0%   { box-shadow: 0 0 0 0 rgba(32, 198, 107, .65); }
    70%  { box-shadow: 0 0 0 10px rgba(32, 198, 107, 0); }
    100% { box-shadow: 0 0 0 0 rgba(32, 198, 107, 0); }
}

.hero-title {
    max-width: 780px;
    margin-bottom: 20px;
    font-size: clamp(2.4rem, 4.6vw, 4.4rem);
    line-height: 1.03;
    font-weight: 900;
    letter-spacing: -.06em;
    color: #fff;
    display: flex;
    flex-direction: column;
    text-shadow: 0 2px 22px rgba(0, 0, 0, .28);
}
.hero-line {
    display: block;
    animation: fadeSlideUp .8s both cubic-bezier(.22, 1, .36, 1);
}
.hero-line:nth-child(1) { animation-delay: .12s; }
.hero-line:nth-child(2) { animation-delay: .24s; }
.hero-line-gradient {
    color: transparent;
    background: linear-gradient(120deg, #7fdcff 0%, #4bb1df 40%, #f4b323 100%);
    background-size: 200% 200%;
    -webkit-background-clip: text;
    background-clip: text;
    position: relative;
    display: inline-block;
    filter: drop-shadow(0 2px 14px rgba(127, 220, 255, .25));
    animation: fadeSlideUp .8s .24s both cubic-bezier(.22, 1, .36, 1),
               gradientShift 6s ease-in-out infinite;
}
@keyframes gradientShift {
    0%, 100% { background-position: 0% 50%; }
    50%      { background-position: 100% 50%; }
}
.hero-line-gradient::after {
    content: '';
    position: absolute;
    bottom: 3px;
    left: 0;
    width: 100%;
    height: 10px;
    border-radius: 5px;
    background: linear-gradient(90deg, rgba(127, 220, 255, .20), rgba(244, 179, 35, .24));
    z-index: -1;
}

@keyframes fadeSlideUp {
    from { opacity: 0; transform: translateY(18px); }
    to   { opacity: 1; transform: translateY(0); }
}

.hero-lead {
    max-width: 660px;
    margin-bottom: 22px;
    color: rgba(255, 255, 255, .94);
    font-size: 1.05rem;
    line-height: 1.75;
    animation: fadeSlideUp .8s .34s both cubic-bezier(.22, 1, .36, 1);
    text-shadow: 0 1px 12px rgba(0, 0, 0, .22);
}
.hero-lead strong { color: #7fdcff; font-weight: 700; }

.hero-chips {
    display: flex;
    flex-wrap: wrap;
    gap: 9px;
    margin-bottom: 26px;
    animation: fadeSlideUp .8s .42s both cubic-bezier(.22, 1, .36, 1);
}
.hero-chip {
    display: inline-flex;
    align-items: center;
    gap: 7px;
    padding: 8px 14px;
    border-radius: 999px;
    background: rgba(255, 255, 255, .14);
    border: 1px solid rgba(255, 255, 255, .24);
    color: #fff;
    font-size: .82rem;
    font-weight: 600;
    backdrop-filter: blur(10px);
    -webkit-backdrop-filter: blur(10px);
    transition: var(--transition-fast);
}
.hero-chip:hover {
    transform: translateY(-2px);
    background: rgba(255, 255, 255, .22);
    border-color: rgba(255, 255, 255, .36);
}
.hero-chip i { color: #7fdcff; }
.hero-chip:first-child i { color: #ffd166; }
.hero-chip:last-child i { color: #74e79a; }

.hero-btns {
    display: flex;
    gap: 12px;
    margin-bottom: 20px;
    flex-wrap: wrap;
    animation: fadeSlideUp .8s .5s both cubic-bezier(.22, 1, .36, 1);
}

.btn-primary,
.btn-outline,
.btn-white,
.btn-small,
.team-whatsapp {
    position: relative;
    overflow: hidden;
}

.btn-primary {
    min-height: 52px;
    padding: 14px 24px;
    border-radius: 15px;
    background: linear-gradient(135deg, var(--primary-blue), var(--accent-blue));
    color: #fff;
    text-decoration: none;
    font-weight: 700;
    font-size: 1rem;
    display: inline-flex;
    align-items: center;
    gap: 8px;
    transition: transform .2s ease, box-shadow .2s ease, background .2s ease;
    box-shadow: 0 12px 28px rgba(11, 79, 113, .32);
    border: none;
    cursor: pointer;
    white-space: nowrap;
}
.btn-primary:hover {
    background: linear-gradient(135deg, var(--primary-blue-dark), var(--primary-blue));
    transform: translateY(-3px);
    box-shadow: 0 18px 34px rgba(11, 79, 113, .38);
}
.btn-primary:active { transform: translateY(1px) scale(.985); }

.btn-pulse { animation: btnPulse 2.5s infinite; }
@keyframes btnPulse {
    0%, 100% { transform: scale(1); }
    50%      { transform: scale(1.04); }
}

.btn-outline {
    min-height: 52px;
    padding: 13px 23px;
    border: 1.5px solid rgba(255, 255, 255, .42);
    border-radius: 15px;
    background: rgba(255, 255, 255, .12);
    color: #fff;
    text-decoration: none;
    font-weight: 600;
    font-size: 1rem;
    display: inline-flex;
    align-items: center;
    gap: 8px;
    transition: var(--transition-fast);
    cursor: pointer;
    white-space: nowrap;
    backdrop-filter: blur(10px);
    -webkit-backdrop-filter: blur(10px);
    box-shadow: 0 4px 14px rgba(0, 0, 0, .14);
}
.btn-outline:hover {
    background: #fff;
    border-color: #fff;
    color: var(--primary-blue);
    transform: translateY(-2px);
    box-shadow: 0 12px 26px rgba(0, 0, 0, .22);
}
.btn-outline:active { transform: translateY(1px) scale(.985); }

main .btn-outline,
.section-padding .btn-outline {
    border-color: rgba(11, 79, 113, .25);
    background: rgba(255, 255, 255, .66);
    color: var(--primary-blue);
    backdrop-filter: none;
    -webkit-backdrop-filter: none;
    box-shadow: var(--shadow-xs);
}
main .btn-outline:hover,
.section-padding .btn-outline:hover {
    background: var(--primary-blue);
    border-color: var(--primary-blue);
    color: #fff;
    box-shadow: 0 12px 26px rgba(11, 79, 113, .20);
}

.ncr-tag {
    max-width: 700px;
    font-size: .78rem;
    color: rgba(255, 255, 255, .96);
    font-weight: 600;
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 10px 15px;
    border-radius: 25px;
    border: 1px solid rgba(255, 255, 255, .24);
    background: rgba(255, 255, 255, .12);
    backdrop-filter: blur(12px);
    -webkit-backdrop-filter: blur(12px);
    line-height: 1.45;
    animation: fadeSlideUp .8s .58s both cubic-bezier(.22, 1, .36, 1);
    box-shadow: 0 4px 14px rgba(0, 0, 0, .16);
    align-self: flex-start;
}
.ncr-tag i { color: #7fdcff; font-size: 1.05rem; }

/* ==================== TRUST STRIP ==================== */
.trust-strip {
    display: grid;
    grid-template-columns: repeat(4, minmax(0, 1fr));
    gap: 14px;
    padding: 18px clamp(18px, 5vw, 72px) 22px;
    background: rgba(255, 255, 255, .72);
    backdrop-filter: blur(12px);
    -webkit-backdrop-filter: blur(12px);
    border-top: 1px solid rgba(11, 79, 113, .06);
    border-bottom: 1px solid rgba(11, 79, 113, .07);
    position: relative;
}
.trust-item {
    display: flex;
    align-items: center;
    gap: 14px;
    min-height: 76px;
    padding: 13px 14px;
    border-radius: 17px;
    background: rgba(255, 255, 255, .92);
    border: 1px solid rgba(11, 79, 113, .07);
    box-shadow: var(--shadow-xs);
    transition: var(--transition);
}
.trust-item:hover {
    transform: translateY(-5px);
    box-shadow: var(--shadow-md);
    border-color: rgba(20, 132, 189, .16);
}
.trust-item i {
    width: 42px;
    height: 42px;
    border-radius: 13px;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    font-size: 1.35rem;
    color: var(--primary-blue);
    background: linear-gradient(145deg, #eef8fd, #e4f3fa);
    transition: var(--transition);
}
.trust-item:hover i { transform: scale(1.08) rotate(-4deg); }
.trust-strip .trust-item:nth-child(2) i { color: var(--accent-gold-dark); background: var(--accent-gold-soft); }
.trust-strip .trust-item:nth-child(3) i { color: var(--accent-green-dark); background: var(--accent-green-soft); }
.trust-strip .trust-item:nth-child(4) i { color: var(--accent-green-dark); background: var(--accent-green-soft); }

.trust-item strong {
    display: block;
    font-size: .88rem;
    color: var(--text-dark);
    font-weight: 700;
}
.trust-item span {
    display: block;
    font-size: .73rem;
    color: var(--text-gray);
    line-height: 1.35;
}

/* ==================== SCROLL REVEAL ==================== */
.reveal {
    opacity: 0;
    transform: translateY(24px) scale(.985);
    transition: opacity .65s ease, transform .65s cubic-bezier(.22, 1, .36, 1);
    will-change: opacity, transform;
}
.reveal.is-visible {
    opacity: 1;
    transform: translateY(0) scale(1);
}
.reveal:nth-child(2) { transition-delay: .04s; }
.reveal:nth-child(3) { transition-delay: .08s; }
.reveal:nth-child(4) { transition-delay: .12s; }
.reveal:nth-child(5) { transition-delay: .16s; }

/* ==================== SECTION SYSTEM ==================== */
.section-padding {
    position: relative;
    padding: clamp(68px, 8vw, 112px) clamp(18px, 6vw, 80px);
    text-align: center;
}
.bg-light {
    background: linear-gradient(180deg,
        rgba(247, 251, 253, .72) 0%,
        rgba(243, 248, 251, .58) 100%);
    backdrop-filter: blur(2px);
    -webkit-backdrop-filter: blur(2px);
}
.section-label {
    display: inline-block;
    text-transform: uppercase;
    letter-spacing: 2px;
    font-size: .68rem;
    font-weight: 700;
    color: var(--primary-blue);
    margin-bottom: 12px;
    padding: 7px 12px;
    border-radius: 999px;
    background: rgba(234, 246, 252, .82);
    border: 1px solid rgba(20, 132, 189, .10);
    box-shadow: var(--shadow-xs);
    backdrop-filter: blur(8px);
    -webkit-backdrop-filter: blur(8px);
}
.section-title {
    max-width: 800px;
    margin: 0 auto 14px;
    font-size: clamp(1.9rem, 4vw, 3rem);
    font-weight: 800;
    line-height: 1.08;
    letter-spacing: -.055em;
    color: var(--text-dark);
}
.section-title::after {
    content: '';
    display: block;
    width: 42px;
    height: 4px;
    margin: 15px auto 0;
    border-radius: 999px;
    background: linear-gradient(90deg, var(--accent-cyan), var(--accent-gold));
}
.section-subtitle {
    max-width: 620px;
    margin: 0 auto 42px;
    color: #65747f;
    font-size: .98rem;
    line-height: 1.6;
}

/* ==================== ABOUT / WHO WE ARE ==================== */
.about-container,
.about-full {
    display: flex;
    align-items: center;
    gap: clamp(35px, 5vw, 75px);
    text-align: left;
    max-width: 1180px;
    margin: 0 auto;
    padding: clamp(28px, 4vw, 44px);
    background: rgba(255, 255, 255, .90);
    backdrop-filter: blur(12px);
    -webkit-backdrop-filter: blur(12px);
    border: 1px solid rgba(11, 79, 113, .07);
    border-radius: 28px;
    box-shadow: var(--shadow-md);
}
.about-content,
.about-text { flex: 1; min-width: 0; }
.about-content p,
.about-text p {
    margin-bottom: 16px;
    color: #64747f;
    line-height: 1.75;
    font-size: .96rem;
}
.about-content p strong,
.about-text p strong { color: var(--text-dark); }
.about-text .btn-primary,
.about-content .btn-primary {
    margin-top: 6px;
}
.about-image { flex: 1; min-width: 0; }
.about-image img {
    width: 100%;
    border-radius: 26px;
    box-shadow: var(--shadow-lg);
    border: 8px solid rgba(255, 255, 255, .82);
}

/* ==================== STEPS ==================== */
.steps-grid {
    display: grid;
    grid-template-columns: repeat(5, 1fr);
    gap: 14px;
    max-width: 1180px;
    margin: 0 auto;
}
.step-item {
    background: rgba(255, 255, 255, .86);
    backdrop-filter: blur(10px);
    -webkit-backdrop-filter: blur(10px);
    padding: 35px 19px 24px;
    border-radius: 20px;
    border: 1px solid rgba(11, 79, 113, .08);
    box-shadow: var(--shadow-xs);
    text-align: center;
    position: relative;
    min-height: 250px;
    transition: var(--transition);
    overflow: visible;
}
.step-item::after {
    content: '';
    position: absolute;
    inset: 0;
    border-radius: inherit;
    background: linear-gradient(135deg, rgba(20, 132, 189, .05), transparent 42%);
    opacity: 0;
    transition: opacity var(--transition);
    pointer-events: none;
}
.step-item:hover {
    transform: translateY(-9px);
    border-color: rgba(20, 132, 189, .16);
    box-shadow: var(--shadow-lg);
}
.step-item:hover::after { opacity: 1; }
.step-number {
    position: absolute;
    top: -15px;
    left: 50%;
    transform: translateX(-50%);
    width: 32px;
    height: 32px;
    border: 4px solid #fff;
    border-radius: 50%;
    background: linear-gradient(145deg, var(--primary-blue), var(--accent-blue));
    color: #fff;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 800;
    font-size: .84rem;
    box-shadow: 0 7px 15px rgba(11, 79, 113, .20);
}
.step-icon {
    width: 66px;
    height: 66px;
    margin: 6px auto 17px;
    border-radius: 19px;
    background: linear-gradient(145deg, #eef8fd, #e4f3fa);
    color: var(--primary-blue);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.5rem;
    box-shadow: inset 0 1px 0 rgba(255, 255, 255, .8);
    transition: transform var(--transition), background var(--transition), color var(--transition);
}
.step-item:hover .step-icon {
    transform: translateY(-3px) rotate(-3deg);
    background: linear-gradient(145deg, var(--primary-blue), var(--accent-blue));
    color: #fff;
}
.step-item h4 { font-weight: 700; margin-bottom: 8px; font-size: .96rem; }
.step-item p { font-size: .79rem; color: var(--text-gray); line-height: 1.55; }

/* ==================== FEATURES ==================== */
.features-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 16px;
    max-width: 1180px;
    margin: 0 auto;
}
.feature-item {
    display: flex;
    flex-direction: column;
    align-items: flex-start;
    text-align: left;
    gap: 14px;
    padding: 27px 23px;
    min-height: 225px;
    border-radius: 20px;
    border: 1px solid rgba(11, 79, 113, .07);
    background: linear-gradient(180deg, rgba(255, 255, 255, .92), rgba(251, 253, 254, .82));
    backdrop-filter: blur(8px);
    -webkit-backdrop-filter: blur(8px);
    box-shadow: var(--shadow-xs);
    transition: var(--transition);
}
.feature-item::before {
    content: '';
    width: 0;
    height: 3px;
    border-radius: 999px;
    background: linear-gradient(90deg, var(--accent-cyan), var(--accent-gold));
    transition: width var(--transition);
}
.feature-item:hover {
    transform: translateY(-7px);
    border-color: rgba(20, 132, 189, .13);
    box-shadow: var(--shadow-md);
}
.feature-item:hover::before { width: 50px; }
.feature-icon {
    width: 58px;
    height: 58px;
    margin-bottom: 3px;
    border-radius: 17px;
    background: linear-gradient(145deg, #eef8fd, #e5f3fa);
    color: var(--primary-blue);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.35rem;
    flex-shrink: 0;
    transition: var(--transition);
}
.feature-item:nth-child(2) .feature-icon { background: var(--accent-gold-soft); color: var(--accent-gold-dark); }
.feature-item:nth-child(3) .feature-icon { background: var(--accent-green-soft); color: var(--accent-green-dark); }
.feature-item:nth-child(4) .feature-icon { background: var(--light-blue); color: var(--primary-blue); }

.feature-item:nth-child(1):hover .feature-icon,
.feature-item:nth-child(4):hover .feature-icon { background: linear-gradient(145deg, var(--primary-blue), var(--accent-blue)); color: #fff; }
.feature-item:nth-child(2):hover .feature-icon { background: var(--accent-gold); color: #fff; }
.feature-item:nth-child(3):hover .feature-icon { background: var(--accent-green); color: #fff; }

.feature-item h4 { font-weight: 700; font-size: .98rem; }
.feature-item p { font-size: .82rem; color: var(--text-gray); line-height: 1.6; }

/* ==================== LOAN OPTIONS ==================== */
.loan-options {
    background:
        radial-gradient(circle at 15% 15%, rgba(20, 132, 189, .06), transparent 22rem),
        linear-gradient(180deg,
            rgba(244, 249, 252, .55),
            rgba(238, 246, 250, .45));
    backdrop-filter: blur(2px);
    -webkit-backdrop-filter: blur(2px);
}
.options-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 18px;
    max-width: 1050px;
    margin: 0 auto;
}
.option-card {
    background: rgba(255, 255, 255, .90);
    backdrop-filter: blur(10px);
    -webkit-backdrop-filter: blur(10px);
    padding: 34px 26px 27px;
    border-radius: 23px;
    border: 1px solid rgba(11, 79, 113, .08);
    box-shadow: var(--shadow-xs);
    text-align: center;
    position: relative;
    overflow: hidden;
    min-height: 285px;
    transition: var(--transition);
}
.option-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    width: 100%;
    height: 4px;
    background: linear-gradient(90deg, var(--accent-cyan), var(--accent-gold));
    transform: scaleX(0);
    transform-origin: left;
    transition: transform .4s ease;
}
.option-card:nth-child(2)::before { background: linear-gradient(90deg, var(--accent-green), var(--accent-green-dark)); }
.option-card:nth-child(3)::before { background: linear-gradient(90deg, var(--accent-gold), var(--accent-coral)); }
.option-card:hover::before { transform: scaleX(1); }
.option-card:hover {
    transform: translateY(-10px);
    box-shadow: var(--shadow-lg);
}
.option-card .card-icon {
    width: 70px;
    height: 70px;
    border-radius: 20px;
    background: linear-gradient(145deg, #eef8fd, #e5f3fa);
    color: var(--primary-blue);
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 18px;
    font-size: 1.7rem;
    box-shadow: var(--shadow-xs);
    transition: var(--transition);
}
.option-card:nth-child(2) .card-icon { background: var(--accent-green-soft); color: var(--accent-green-dark); }
.option-card:nth-child(3) .card-icon { background: var(--accent-gold-soft); color: var(--accent-gold-dark); }

.option-card:nth-child(1):hover .card-icon { background: linear-gradient(145deg, var(--primary-blue), var(--accent-blue)); color: #fff; transform: translateY(-3px) rotate(-4deg); }
.option-card:nth-child(2):hover .card-icon { background: linear-gradient(145deg, var(--accent-green), var(--accent-green-dark)); color: #fff; transform: translateY(-3px) rotate(-4deg); }
.option-card:nth-child(3):hover .card-icon { background: linear-gradient(145deg, var(--accent-gold), var(--accent-coral)); color: #fff; transform: translateY(-3px) rotate(-4deg); }

.option-card h3 { margin-bottom: 8px; font-size: 1.1rem; font-weight: 700; }
.option-card p {
    min-height: 74px;
    color: #65747f;
    font-size: .85rem;
    line-height: 1.6;
    margin-bottom: 18px;
}
.btn-small {
    display: inline-block;
    background: #fff;
    color: var(--primary-blue);
    padding: 10px 20px;
    border-radius: 12px;
    text-decoration: none;
    font-weight: 600;
    font-size: .9rem;
    border: 1px solid rgba(11, 79, 113, .22);
    transition: var(--transition-fast);
    cursor: pointer;
}
.btn-small:hover {
    background: var(--primary-blue);
    color: #fff;
    border-color: var(--primary-blue);
    box-shadow: 0 10px 22px rgba(11, 79, 113, .18);
    transform: translateY(-2px);
}
.btn-small:active { transform: translateY(1px) scale(.985); }

/* ==================== REQUIREMENTS ==================== */
.requirements-container {
    display: flex;
    align-items: center;
    gap: clamp(35px, 5vw, 75px);
    text-align: left;
    max-width: 1180px;
    margin: 0 auto;
}
.req-content { flex: 1; min-width: 0; }
.req-image { flex: 1; min-width: 0; }
.req-list {
    display: flex;
    gap: 13px;
    margin: 25px 0;
    flex-wrap: wrap;
}
.req-item {
    text-align: center;
    background: linear-gradient(145deg, rgba(241, 249, 253, .92), rgba(232, 245, 251, .86));
    backdrop-filter: blur(6px);
    -webkit-backdrop-filter: blur(6px);
    border: 1px solid rgba(20, 132, 189, .08);
    box-shadow: var(--shadow-xs);
    padding: 22px 15px;
    border-radius: var(--radius-md);
    flex: 1;
    min-width: 100px;
    min-height: 132px;
    transition: var(--transition);
}
.req-item:hover {
    background: linear-gradient(145deg, var(--primary-blue), var(--accent-blue));
    color: #fff;
    transform: translateY(-6px);
    box-shadow: var(--shadow-md);
}
.req-item i {
    font-size: 2rem;
    color: var(--accent-blue);
    margin-bottom: 11px;
    display: block;
    transition: var(--transition);
}
.req-item:hover i { color: #fff; }
.req-item p { font-weight: 600; font-size: .85rem; }
.req-note {
    color: #697984;
    margin-bottom: 20px;
    font-size: .9rem;
    font-style: italic;
}
.req-image img {
    width: 100%;
    border-radius: 26px;
    box-shadow: var(--shadow-lg);
    border: 8px solid rgba(255, 255, 255, .78);
}

/* ==================== CALCULATOR ==================== */
#calculator {
    overflow: hidden;
    background:
        radial-gradient(circle at 85% 15%, rgba(111, 99, 255, .08), transparent 20rem),
        linear-gradient(180deg,
            rgba(246, 250, 255, .55),
            rgba(241, 247, 251, .45));
    backdrop-filter: blur(2px);
    -webkit-backdrop-filter: blur(2px);
}
.calculator-container {
    max-width: 650px;
    margin: 0 auto;
}
.calculator-container-spaced { margin-bottom: 40px; }
.calculator-card {
    position: relative;
    padding: 34px;
    border: 1px solid rgba(11, 79, 113, .08);
    border-radius: 28px;
    background: rgba(255, 255, 255, .94);
    backdrop-filter: blur(12px);
    -webkit-backdrop-filter: blur(12px);
    box-shadow: var(--shadow-lg);
    overflow: hidden;
    text-align: left;
}
.calculator-card::before {
    content: '';
    position: absolute;
    width: 180px;
    height: 180px;
    right: -90px;
    top: -90px;
    border-radius: 50%;
    background: rgba(111, 99, 255, .07);
    pointer-events: none;
}
.amount-label {
    font-weight: 700;
    margin-bottom: 10px;
    display: block;
    font-size: 1rem;
    color: var(--text-dark);
}
#amountDisplay,
#amountDisplayApply {
    display: inline-flex;
    align-items: center;
    min-width: 96px;
    justify-content: center;
    margin-left: 5px;
    padding: 5px 10px;
    border-radius: 10px;
    color: var(--primary-blue);
    background: var(--light-blue);
    font-variant-numeric: tabular-nums;
}
input[type="range"] {
    width: 100%;
    height: 10px;
    margin: 20px 0;
    border: 0;
    border-radius: 5px;
    background: linear-gradient(90deg, var(--primary-blue) 0%, var(--accent-cyan) 100%);
    box-shadow: inset 0 1px 2px rgba(0, 0, 0, .05);
    -webkit-appearance: none;
    appearance: none;
    outline: none;
    cursor: pointer;
}
input[type="range"]::-webkit-slider-thumb {
    -webkit-appearance: none;
    width: 26px;
    height: 26px;
    border: 5px solid #fff;
    border-radius: 50%;
    background: linear-gradient(145deg, var(--primary-blue), var(--accent-blue));
    box-shadow: 0 4px 14px rgba(11, 79, 113, .28);
    cursor: pointer;
    transition: transform var(--transition-fast), box-shadow var(--transition-fast);
}
input[type="range"]::-webkit-slider-thumb:hover {
    transform: scale(1.12);
    box-shadow: 0 6px 18px rgba(11, 79, 113, .34);
}
input[type="range"]::-moz-range-thumb {
    width: 17px;
    height: 17px;
    border: 5px solid #fff;
    border-radius: 50%;
    background: linear-gradient(145deg, var(--primary-blue), var(--accent-blue));
    box-shadow: 0 4px 14px rgba(11, 79, 113, .28);
    cursor: pointer;
}
.calc-results {
    display: flex;
    gap: 12px;
    margin-top: 20px;
}
.calc-item {
    flex: 1;
    padding: 18px 15px;
    border: 1px solid rgba(11, 79, 113, .07);
    border-radius: 16px;
    background: linear-gradient(145deg, #eef8fd, #e9f5fa);
    text-align: center;
}
.calc-item:last-child {
    background: linear-gradient(145deg, #effcf5, #e8faef);
}
.calc-item span {
    display: block;
    font-size: .85rem;
    color: var(--text-gray);
}
.calc-item strong {
    display: block;
    margin-top: 3px;
    font-size: 1.45rem;
    letter-spacing: -.025em;
    color: var(--primary-blue);
}
.calc-item:last-child strong { color: var(--accent-green-dark); }
.calc-note {
    font-size: .8rem;
    color: #6d7b84;
    margin: 10px 0 15px;
    line-height: 1.6;
}

/* ==================== FOUNDER / TEAM ==================== */
.founder-profile {
    display: flex;
    gap: 40px;
    align-items: center;
    text-align: left;
    max-width: 980px;
    margin: 40px auto 0;
    padding: 30px;
    border: 1px solid rgba(11, 79, 113, .07);
    border-radius: 28px;
    background: rgba(255, 255, 255, .90);
    backdrop-filter: blur(10px);
    -webkit-backdrop-filter: blur(10px);
    box-shadow: var(--shadow-md);
}
.founder-photo img {
    width: 245px;
    height: 245px;
    object-fit: cover;
    border-radius: 50%;
    border: 7px solid #fff;
    box-shadow: 0 18px 40px rgba(8, 51, 73, .14);
    transition: transform var(--transition);
}
.founder-profile:hover .founder-photo img { transform: scale(1.03); }
.founder-details h2 { margin-bottom: 10px; }
.founder-details h3 {
    color: var(--primary-blue);
    font-size: 1.55rem;
    letter-spacing: -.035em;
}
.founder-title {
    display: inline-block;
    padding: 6px 11px;
    border-radius: 9px;
    background: var(--accent-gold-soft);
    color: var(--accent-gold-dark);
    font-weight: 600;
    margin-bottom: 10px;
}
.founder-bio {
    max-width: 690px;
    color: var(--text-gray);
    margin-bottom: 10px;
    font-size: .93rem;
}

/* ==================== FAQ ==================== */
.faq-container {
    max-width: 840px;
    margin: 0 auto;
    text-align: left;
}
.faq-item {
    background: rgba(255, 255, 255, .90);
    backdrop-filter: blur(10px);
    -webkit-backdrop-filter: blur(10px);
    border: 1px solid rgba(11, 79, 113, .08);
    border-radius: 17px;
    margin-bottom: 12px;
    overflow: hidden;
    box-shadow: var(--shadow-xs);
    transition: var(--transition-fast);
}
.faq-item:hover { box-shadow: var(--shadow-sm); }
.faq-item.active {
    border-color: rgba(20, 132, 189, .20);
    box-shadow: var(--shadow-md);
}
.faq-question {
    width: 100%;
    background: none;
    border: none;
    padding: 16px 19px;
    min-height: 62px;
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 14px;
    cursor: pointer;
    font-size: .92rem;
    font-weight: 600;
    color: var(--text-dark);
    text-align: left;
    font-family: inherit;
    transition: var(--transition-fast);
}
.faq-question:hover,
.faq-question:focus-visible {
    background: linear-gradient(90deg, #f3faff, #fff);
    color: var(--primary-blue);
}
.faq-item.active .faq-question {
    background: linear-gradient(90deg, #f3faff, #fff);
    color: var(--primary-blue);
}
.faq-question i {
    width: 29px;
    height: 29px;
    display: grid;
    place-items: center;
    border-radius: 9px;
    background: var(--light-blue);
    color: var(--primary-blue);
    font-size: .8rem;
    flex-shrink: 0;
    transition: transform .3s ease;
}
.faq-item.active .faq-question i { transform: rotate(45deg); }
.faq-answer {
    max-height: 0;
    overflow: hidden;
    transition: max-height .4s ease, padding .4s ease;
    padding: 0 19px;
}
.faq-item.active .faq-answer {
    max-height: 400px;
    padding: 0 19px 18px;
}
.faq-answer p {
    color: var(--text-gray);
    font-size: .87rem;
    line-height: 1.7;
    padding-right: 5px;
}
.faq-answer p strong { color: var(--text-dark); }

/* ==================== APPLY ==================== */
.apply-section {
    background:
        radial-gradient(circle at 10% 15%, rgba(244, 179, 35, .10), transparent 20rem),
        linear-gradient(180deg,
            rgba(255, 253, 248, .70),
            rgba(253, 251, 246, .58));
    position: relative;
    overflow: hidden;
    backdrop-filter: blur(2px);
    -webkit-backdrop-filter: blur(2px);
}
.apply-section::before {
    content: '';
    position: absolute;
    width: 450px;
    height: 450px;
    bottom: -220px;
    right: -170px;
    border-radius: 50%;
    background: rgba(20, 132, 189, .055);
    box-shadow: inset 0 0 0 1px rgba(20, 132, 189, .03);
    pointer-events: none;
}
.apply-card {
    max-width: 740px;
    margin: 0 auto;
    background: rgba(255, 255, 255, .96);
    backdrop-filter: blur(12px);
    -webkit-backdrop-filter: blur(12px);
    border: 1px solid rgba(11, 79, 113, .09);
    border-radius: 30px;
    box-shadow: var(--shadow-lg);
    overflow: hidden;
    position: relative;
    z-index: 1;
}
.apply-card-header {
    background: linear-gradient(135deg, var(--primary-blue-dark), var(--primary-blue));
    color: #fff;
    padding: 22px 27px;
    text-align: left;
    display: flex;
    align-items: center;
    gap: 14px;
}
.apply-card-header i {
    width: 42px;
    height: 42px;
    display: grid;
    place-items: center;
    border-radius: 13px;
    background: rgba(255, 255, 255, .12);
    font-size: 1.15rem;
}
.apply-card-header h3 { font-size: 1.1rem; font-weight: 700; margin: 0; }
.apply-card-body {
    padding: 26px;
    text-align: center;
}
.whatsapp-instruction {
    max-width: 530px;
    margin: 0 auto 18px;
    color: var(--text-gray);
    font-size: .9rem;
    line-height: 1.55;
}
.whatsapp-btn {
    min-width: 230px;
    background: linear-gradient(135deg, #1bb963, #25d366) !important;
    box-shadow: 0 13px 28px rgba(32, 198, 107, .22) !important;
}
.whatsapp-btn:hover {
    background: linear-gradient(135deg, #159b50, #20c66b) !important;
    box-shadow: 0 17px 34px rgba(32, 198, 107, .28) !important;
}
.apply-note {
    max-width: 590px;
    margin: 19px auto 0;
    font-size: .77rem;
    color: var(--text-gray);
    line-height: 1.6;
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    flex-wrap: wrap;
}
.apply-note i { color: var(--primary-blue); }

/* ==================== CONTACT ==================== */
.contact-section {
    background:
        radial-gradient(circle at 18% 18%, rgba(20, 132, 189, .25), transparent 23rem),
        radial-gradient(circle at 90% 85%, rgba(244, 179, 35, .12), transparent 20rem),
        linear-gradient(135deg, #06344b, #0b4f71 60%, #0f6b94);
    color: #fff;
    position: relative;
    overflow: hidden;
}
.contact-section::before {
    content: '';
    position: absolute;
    width: 440px;
    height: 440px;
    top: -240px;
    right: -170px;
    border-radius: 50%;
    border: 1px solid rgba(255, 255, 255, .09);
    background: transparent;
    box-shadow:
        0 0 0 55px rgba(255, 255, 255, .018),
        0 0 0 110px rgba(255, 255, 255, .012);
    pointer-events: none;
    animation: ringFloat 24s ease-in-out infinite;
}
@keyframes ringFloat {
    0%, 100% { transform: translate(0, 0) rotate(0deg); }
    50%      { transform: translate(-24px, 26px) rotate(6deg); }
}
.contact-section .section-title { color: #fff; }
.contact-section .section-title::after {
    background: linear-gradient(90deg, #fff, rgba(255, 255, 255, .3));
}
.contact-section .section-subtitle { color: rgba(255, 255, 255, .78); }
.contact-section .section-label {
    color: #fff;
    background: rgba(255, 255, 255, .14);
    border-color: rgba(255, 255, 255, .22);
}
.contact-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 14px;
    max-width: 760px;
    margin: 0 auto;
}
.contact-card {
    position: relative;
    min-height: 140px;
    padding: 25px 18px;
    border-radius: 20px;
    background: rgba(255, 255, 255, .075);
    border: 1px solid rgba(255, 255, 255, .13);
    box-shadow: inset 0 1px 0 rgba(255, 255, 255, .06);
    backdrop-filter: blur(8px);
    text-align: center;
    text-decoration: none;
    color: #fff;
    display: block;
    cursor: pointer;
    transition: var(--transition);
}
.contact-card:hover {
    background: rgba(255, 255, 255, .13);
    border-color: rgba(255, 255, 255, .22);
    transform: translateY(-6px);
    box-shadow: 0 14px 34px rgba(0, 0, 0, .22);
}
.contact-card i {
    width: 48px;
    height: 48px;
    display: inline-grid;
    place-items: center;
    margin-bottom: 11px;
    border-radius: 15px;
    color: #fff;
    background: rgba(255, 255, 255, .11);
    font-size: 1.2rem;
}
.contact-card h4 { font-weight: 700; margin-bottom: 4px; font-size: .98rem; }
.contact-card span {
    font-size: .79rem;
    opacity: .9;
    word-break: break-word;
}
.contact-card.phone-card {
    grid-column: 1 / -1;
    min-height: 175px;
    max-width: 440px;
    margin: 10px auto 0;
    padding: 29px 24px;
    border: 1px solid rgba(255, 255, 255, .28);
    background: linear-gradient(145deg, rgba(255, 255, 255, .17), rgba(255, 255, 255, .09));
    box-shadow: 0 20px 40px rgba(0, 0, 0, .15);
}
.contact-card.phone-card i {
    background: rgba(32, 198, 107, .18);
    color: #8af0b3;
    font-size: 1.6rem;
    animation: pulsePhone 3s ease-in-out infinite;
}
.contact-card.phone-card span {
    font-size: 1.3rem;
    font-weight: 700;
    letter-spacing: .5px;
}
.contact-note { font-size: .8rem; opacity: .75; margin-top: 6px; }
@keyframes pulsePhone {
    0%, 100% { transform: scale(1); }
    15% { transform: scale(1.06); }
    30% { transform: scale(1); }
    45% { transform: scale(1.05); }
    60% { transform: scale(1); }
}

.social-media-row {
    margin-top: 28px;
    display: flex;
    gap: 10px;
    justify-content: center;
}
.social-media-row a {
    width: 42px;
    height: 42px;
    display: grid;
    place-items: center;
    border: 1px solid rgba(255, 255, 255, .12);
    border-radius: 13px;
    background: rgba(255, 255, 255, .07);
    color: #fff;
    font-size: 1.15rem;
    transition: transform var(--transition-fast), background var(--transition-fast);
}
.social-media-row a:hover {
    transform: translateY(-4px) scale(1.04);
    background: rgba(255, 255, 255, .15);
}

/* ==================== FOOTER CTA ==================== */
.footer-cta {
    margin: 0 clamp(10px, 3vw, 36px);
    padding: 35px clamp(22px, 4vw, 50px);
    border-radius: 26px 26px 0 0;
    background:
        radial-gradient(circle at 80% 10%, rgba(20, 132, 189, .18), transparent 17rem),
        linear-gradient(135deg, #052e43, #073b54);
    color: #fff;
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 30px;
    flex-wrap: wrap;
    position: relative;
    z-index: 2;
    box-shadow: 0 -12px 35px rgba(8, 51, 73, .10);
}
.footer-cta h2 {
    font-size: clamp(1.5rem, 3vw, 2rem);
    font-weight: 800;
    letter-spacing: -.04em;
}
.footer-cta p { opacity: .85; margin-top: 4px; font-size: .9rem; }
.btn-white {
    min-height: 50px;
    background: #fff;
    color: var(--primary-blue);
    padding: 13px 22px;
    border-radius: 14px;
    text-decoration: none;
    font-weight: 700;
    font-size: 1rem;
    display: inline-flex;
    align-items: center;
    gap: 8px;
    transition: var(--transition-fast);
    white-space: nowrap;
    box-shadow: 0 12px 25px rgba(0, 0, 0, .16);
}
.btn-white:hover {
    background: #fff;
    color: var(--primary-blue-dark);
    transform: translateY(-3px);
    box-shadow: 0 18px 35px rgba(0, 0, 0, .22);
}
.btn-white:active { transform: translateY(1px) scale(.985); }

/* ==================== FOOTER ==================== */
footer {
    background: #07141d;
    color: #98a8b3;
    padding: 56px clamp(18px, 6vw, 80px) 20px;
    font-size: .88rem;
    position: relative;
    overflow: hidden;
}
footer::before {
    content: '';
    position: absolute;
    width: 520px;
    height: 520px;
    top: -260px;
    right: -180px;
    border-radius: 50%;
    border: 1px solid rgba(75, 177, 223, .14);
    box-shadow:
        0 0 0 60px rgba(75, 177, 223, .04),
        0 0 0 120px rgba(75, 177, 223, .025);
    pointer-events: none;
    animation: ringFloat 30s ease-in-out infinite;
}
footer::after {
    content: '';
    position: absolute;
    width: 360px;
    height: 360px;
    bottom: -180px;
    left: -140px;
    border-radius: 50%;
    border: 1px solid rgba(244, 179, 35, .10);
    box-shadow:
        0 0 0 50px rgba(244, 179, 35, .03),
        0 0 0 100px rgba(244, 179, 35, .018);
    pointer-events: none;
    animation: ringFloat 36s ease-in-out infinite reverse;
}

.footer-grid {
    display: grid;
    grid-template-columns: 1.5fr 1fr 1fr 1fr;
    gap: 34px;
    max-width: 1180px;
    margin: 0 auto 30px;
    position: relative;
    z-index: 1;
}
.footer-col h4 {
    color: #f2f7fa;
    font-weight: 700;
    margin-bottom: 14px;
    font-size: .94rem;
    letter-spacing: -.01em;
}
.footer-col p,
.footer-col a {
    color: #8fa0ab;
    text-decoration: none;
    display: block;
    margin-bottom: 8px;
    transition: var(--transition-fast);
    line-height: 1.6;
    font-size: .8rem;
}
.footer-col a:hover {
    color: #fff;
    transform: translateX(2px);
}
.footer-col i {
    margin-right: 6px;
    width: 16px;
    text-align: center;
    color: #4bb1df;
}
.footer-col i.fa-whatsapp { color: var(--accent-green); }
.footer-col i.fa-phone-alt { color: var(--accent-gold); }

.footer-disclaimer {
    max-width: 1180px;
    margin: 0 auto 20px;
    padding: 15px 18px;
    background: rgba(255, 255, 255, .025);
    border-radius: var(--radius-sm);
    font-size: .78rem;
    color: #8b939e;
    line-height: 1.6;
    text-align: center;
    border: 1px solid rgba(255, 255, 255, .06);
    position: relative;
    z-index: 1;
}
.footer-disclaimer strong { color: #ccc; }
.footer-bottom {
    text-align: center;
    color: #6b7280;
    font-size: .78rem;
    padding-top: 20px;
    max-width: 1180px;
    margin: 0 auto;
    border-top: 1px solid rgba(255, 255, 255, .05);
    position: relative;
    z-index: 1;
}

/* ==================== FLOATING ACTIONS ==================== */
.whatsapp-float {
    position: fixed;
    width: 61px;
    height: 61px;
    right: 25px;
    bottom: 25px;
    z-index: 999;
    border: 3px solid rgba(255, 255, 255, .86);
    border-radius: 50%;
    background: linear-gradient(145deg, #25d366, #19b85a);
    color: #fff;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.6rem;
    text-decoration: none;
    box-shadow: 0 13px 31px rgba(32, 198, 107, .35);
    transition: var(--transition-fast);
    animation: bounceIn .6s ease-out;
}
.whatsapp-float::before {
    content: '';
    position: absolute;
    inset: -7px;
    border: 1px solid rgba(37, 211, 102, .30);
    border-radius: 50%;
    animation: floatingRing 2.8s infinite;
    pointer-events: none;
}
.whatsapp-float:hover {
    transform: translateY(-4px) scale(1.07);
    box-shadow: 0 18px 38px rgba(32, 198, 107, .45);
}
@keyframes bounceIn {
    0%   { transform: scale(0); opacity: 0; }
    50%  { transform: scale(1.1); }
    100% { transform: scale(1); opacity: 1; }
}
@keyframes floatingRing {
    0%, 45%  { transform: scale(.92); opacity: .65; }
    70%      { transform: scale(1.2); opacity: 0; }
    100%     { transform: scale(1.2); opacity: 0; }
}

.back-to-top {
    position: fixed;
    width: 43px;
    height: 43px;
    right: 34px;
    bottom: 103px;
    z-index: 999;
    border: 1px solid rgba(11, 79, 113, .11);
    border-radius: 14px;
    background: rgba(255, 255, 255, .94);
    color: var(--primary-blue);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1rem;
    text-decoration: none;
    cursor: pointer;
    box-shadow: var(--shadow-md);
    backdrop-filter: blur(10px);
    transition: var(--transition-fast);
    opacity: 0;
    pointer-events: none;
}
.back-to-top.visible { opacity: 1; pointer-events: auto; }
.back-to-top:hover {
    background: var(--primary-blue);
    color: #fff;
    transform: translateY(-3px);
}

/* ==================== WHATSAPP FORM ==================== */
.whatsapp-form {
    max-width: 760px;
    margin: 0 auto;
    padding: clamp(22px, 4vw, 34px);
    border: 1px solid rgba(11, 79, 113, .08);
    border-radius: 25px;
    background: rgba(255, 255, 255, .94);
    backdrop-filter: blur(12px);
    -webkit-backdrop-filter: blur(12px);
    box-shadow: var(--shadow-md);
    text-align: left;
}
.form-group { margin-bottom: 18px; }
.form-group label {
    display: block;
    margin-bottom: 7px;
    color: #31434f;
    font-weight: 700;
    font-size: .82rem;
}
.form-group input[type="text"],
.form-group input[type="tel"] {
    width: 100%;
    min-height: 48px;
    padding: 11px 14px;
    border: 1px solid #d8e4ea;
    border-radius: 13px;
    background: #fbfdfe;
    color: var(--text-dark);
    font-family: inherit;
    font-size: 1rem;
    transition: border-color var(--transition-fast), box-shadow var(--transition-fast), background var(--transition-fast);
}
.form-group input[type="text"]:focus,
.form-group input[type="tel"]:focus {
    outline: none;
    background: #fff;
    border-color: rgba(20, 132, 189, .58);
    box-shadow: 0 0 0 4px rgba(20, 132, 189, .10);
}
.agreement-group .checkbox-label {
    display: flex;
    align-items: flex-start;
    gap: 9px;
    font-size: .79rem;
    line-height: 1.5;
}
.agreement-group input[type="checkbox"] {
    margin-top: 4px;
    width: 16px;
    height: 16px;
    accent-color: var(--primary-blue);
    flex-shrink: 0;
}
.agreement-group a {
    color: var(--accent-blue);
    text-decoration: underline;
}
.form-status {
    margin-top: 12px;
    font-size: .9rem;
    color: var(--primary-blue);
    border-radius: 13px;
    box-shadow: var(--shadow-xs);
}

/* ==================== LEGAL PAGES ==================== */
.legal-page {
    min-height: 70vh;
    max-width: 900px;
    margin: 0 auto;
    background: linear-gradient(180deg,
        rgba(248, 251, 253, .72),
        rgba(255, 255, 255, .85));
    text-align: left;
}
.legal-content {
    padding: clamp(25px, 5vw, 45px);
    border: 1px solid rgba(11, 79, 113, .08);
    border-radius: 25px;
    background: rgba(255, 255, 255, .94);
    backdrop-filter: blur(10px);
    -webkit-backdrop-filter: blur(10px);
    box-shadow: var(--shadow-md);
}
.legal-content h2 {
    margin-top: 30px;
    margin-bottom: 9px;
    font-size: 1.3rem;
    color: var(--primary-blue-dark);
}
.legal-content p {
    margin-bottom: 15px;
    color: #61717c;
    font-size: .9rem;
    line-height: 1.78;
}
.legal-content ol {
    margin: 0 0 15px 20px;
    color: #61717c;
    line-height: 1.78;
    font-size: .9rem;
}
.legal-content ol li { margin-bottom: 8px; }
.legal-content a { color: var(--primary-blue); }

/* ==================== TEAM PAGE ==================== */
.team-page {
    text-align: center;
    background: linear-gradient(180deg,
        rgba(248, 251, 253, .72),
        rgba(241, 247, 250, .60));
}
.team-intro {
    max-width: 760px;
    margin: 0 auto 48px;
    color: var(--text-gray);
    line-height: 1.7;
    font-size: 1rem;
}
.team-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
    gap: 18px;
    max-width: 1180px;
    margin: 0 auto 60px;
}
.team-card {
    background: rgba(255, 255, 255, .90);
    backdrop-filter: blur(10px);
    -webkit-backdrop-filter: blur(10px);
    border: 1px solid rgba(11, 79, 113, .08);
    border-radius: 23px;
    padding: 27px 22px 24px;
    box-shadow: var(--shadow-xs);
    transition: transform var(--transition), box-shadow var(--transition), border-color var(--transition);
    text-align: center;
}
.team-card:hover {
    transform: translateY(-8px);
    border-color: rgba(20, 132, 189, .14);
    box-shadow: var(--shadow-lg);
}
.team-photo {
    width: 100%;
    max-width: 220px;
    aspect-ratio: 3 / 4;
    object-fit: cover;
    object-position: center top;
    border-radius: var(--radius-md);
    margin: 0 auto 18px;
    display: block;
    border: 6px solid #fff;
    box-shadow: 0 14px 30px rgba(8, 51, 73, .13);
    background: var(--light-blue);
}
.team-name {
    margin-top: 18px;
    font-size: 1rem;
    font-weight: 800;
    color: var(--text-dark);
    margin-bottom: 4px;
}
.team-role {
    color: var(--accent-blue);
    font-size: .75rem;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 1.5px;
    margin-bottom: 14px;
}
.team-bio {
    color: #697985;
    font-size: .79rem;
    line-height: 1.65;
    margin-bottom: 0;
    text-align: left;
}
.team-cta {
    max-width: 620px;
    margin: 0 auto;
    padding: 40px 30px;
    background: rgba(245, 249, 252, .78);
    backdrop-filter: blur(8px);
    -webkit-backdrop-filter: blur(8px);
    border-radius: var(--radius-lg);
    border: 1px solid var(--border-light);
}
.team-cta h2 {
    font-size: 1.4rem;
    font-weight: 800;
    margin-bottom: 10px;
    color: var(--text-dark);
}
.team-cta p {
    color: var(--text-gray);
    margin-bottom: 22px;
    line-height: 1.6;
}
.team-whatsapp {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    margin-top: 16px;
    min-height: 45px;
    padding: 10px 17px;
    border-radius: 12px;
    background: linear-gradient(135deg, #1bb963, #25d366);
    color: #fff;
    font-weight: 700;
    font-size: .9rem;
    text-decoration: none;
    box-shadow: 0 9px 20px rgba(37, 211, 102, .20);
    transition: var(--transition-fast);
    border: none;
    width: 100%;
    max-width: 220px;
}
.team-whatsapp i { font-size: 1.1rem; }
.team-whatsapp:hover,
.team-whatsapp:focus-visible {
    background: linear-gradient(135deg, #159b50, #20c66b);
    color: #fff;
    transform: translateY(-2px);
    box-shadow: 0 13px 28px rgba(37, 211, 102, .30);
}
.team-whatsapp:active { transform: translateY(1px) scale(.985); }

/* ==================== UTILITIES ==================== */
.btn-spaced { margin-top: 20px; }

/* ==================== ACCESSIBILITY ==================== */
a:focus-visible,
button:focus-visible,
input:focus-visible,
[tabindex]:focus-visible {
    outline: 3px solid var(--primary-blue-light);
    outline-offset: 2px;
    border-radius: 4px;
}

@media (prefers-reduced-motion: reduce) {
    *, *::before, *::after {
        animation-duration: .001ms !important;
        animation-iteration-count: 1 !important;
        transition-duration: .001ms !important;
        scroll-behavior: auto !important;
    }
    html { animation: none !important; background-position: 0% 50% !important; }
    body::before,
    body::after,
    .hero-badge-dot,
    .hero-content::before,
    .hero-content::after,
    .contact-section::before,
    footer::before,
    footer::after,
    .btn-pulse,
    .whatsapp-float,
    .whatsapp-float::before,
    .contact-card.phone-card i,
    .hero-line-gradient {
        animation: none !important;
        transform: none !important;
    }
    .reveal,
    .reveal.is-visible {
        opacity: 1;
        transform: none;
        transition: none;
    }
    .hero-line { opacity: 1 !important; transform: none !important; }
    .hero-content { opacity: 1 !important; }
}

/* ==================== RESPONSIVE ==================== */
@media (max-width: 1180px) {
    .steps-grid { grid-template-columns: repeat(3, 1fr); }
    .footer-grid { grid-template-columns: repeat(2, 1fr); }
    .hero-content { aspect-ratio: 16 / 10; }
}

@media (max-width: 1024px) {
    .features-grid { grid-template-columns: repeat(2, 1fr); gap: 16px; }
    .options-grid { grid-template-columns: repeat(2, 1fr); gap: 16px; }
    .about-container,
    .about-full,
    .requirements-container,
    .founder-profile {
        flex-direction: column;
        text-align: center;
    }
    .about-content,
    .about-text,
    .req-content,
    .founder-details { text-align: center; }
    .req-list { justify-content: center; }
    .about-image,
    .req-image { width: 100%; max-width: 700px; }
    .trust-strip { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 980px) {
    nav { padding-inline: 20px; }
    .nav-links { gap: 1px; }
    .nav-links a {
        padding-inline: 9px;
        font-size: .8rem;
    }
    .hero-content {
        aspect-ratio: 16 / 10;
        min-height: 580px;
    }
    .steps-grid { grid-template-columns: repeat(2, 1fr); max-width: 760px; }
}

@media (max-width: 820px) {
    .trust-strip { grid-template-columns: repeat(2, 1fr); }
    .contact-grid { max-width: 620px; }
}

@media (max-width: 768px) {
    body::before { filter: blur(2px); }
    body::after  { opacity: .8; }

    nav {
        min-height: 70px;
        padding: 10px 15px;
    }
    .logo-text .brand { font-size: 1.06rem; }
    .logo-text .sub { font-size: .5rem; letter-spacing: 2px; }
    .hamburger {
        display: flex;
        width: 42px;
        height: 42px;
        align-items: center;
        justify-content: center;
        border-radius: 12px;
        background: #f2f8fb;
    }
    .hamburger:hover { background: var(--light-blue); }

    .nav-links {
        position: fixed;
        top: 0;
        right: -105%;
        width: min(320px, 88vw);
        height: 100vh;
        background: rgba(255, 255, 255, .98);
        flex-direction: column;
        align-items: stretch;
        gap: 4px;
        padding: 95px 20px 24px;
        border-left: 1px solid rgba(11, 79, 113, .08);
        box-shadow: -25px 0 60px rgba(8, 51, 73, .14);
        transition: right .35s cubic-bezier(.4, 0, .2, 1);
        z-index: 999;
    }
    .nav-links.active { right: 0; }
    .nav-links a {
        display: block;
        padding: 13px 15px;
        border-radius: 13px;
        font-size: .94rem;
        text-align: left;
    }
    .nav-links a::after { display: none; }
    .btn-apply-nav {
        text-align: center;
        margin-top: 8px;
        border-radius: 13px !important;
    }
    .mobile-menu-overlay {
        display: block;
        pointer-events: none;
    }
    .mobile-menu-overlay.active {
        pointer-events: auto;
        opacity: 1;
    }

    .hero-content {
        aspect-ratio: auto;
        min-height: 0;
        padding: 64px 22px 70px;
    }
    .hero-title { font-size: clamp(2rem, 8.5vw, 2.9rem); }
    .hero-lead { font-size: .95rem; }
    .hero-btns > * { flex: 1 1 200px; justify-content: center; }

    .trust-strip {
        grid-template-columns: 1fr;
        gap: 12px;
        padding: 16px 15px 20px;
    }
    .trust-item { min-height: 69px; }

    .section-padding { padding: 60px 15px; }
    .section-title { font-size: clamp(1.8rem, 8vw, 2.45rem); }
    .section-subtitle { margin-bottom: 32px; font-size: .9rem; }

    .steps-grid,
    .features-grid,
    .options-grid {
        grid-template-columns: 1fr;
        max-width: 430px;
        margin-inline: auto;
    }
    .step-item,
    .feature-item,
    .option-card { min-height: unset; }
    .feature-item { align-items: center; text-align: center; }
    .feature-item::before { margin-inline: auto; }
    .option-card p { min-height: unset; }

    .about-full,
    .about-container { padding: 22px; }

    .req-list {
        flex-direction: column;
        max-width: 430px;
        margin-inline: auto;
    }
    .req-item { min-height: 106px; }

    .calculator-card,
    .apply-card-body,
    .founder-profile,
    .legal-content { padding: 22px; }

    .calc-results { flex-direction: column; gap: 10px; }

    .contact-grid {
        grid-template-columns: 1fr;
        max-width: 420px;
    }
    .contact-card.phone-card { max-width: 100%; }

    .footer-cta {
        margin-inline: 8px;
        border-radius: 22px 22px 0 0;
        flex-direction: column;
        text-align: center;
        align-items: stretch;
    }
    .footer-cta .btn-white { justify-content: center; }

    .footer-grid {
        grid-template-columns: 1fr;
        text-align: center;
        gap: 26px;
    }

    .whatsapp-float {
        width: 54px;
        height: 54px;
        right: 14px;
        bottom: 18px;
        font-size: 1.4rem;
    }
    .back-to-top {
        right: 20px;
        bottom: 85px;
        width: 38px;
        height: 38px;
        border-radius: 12px;
    }

    .team-grid {
        grid-template-columns: 1fr;
        max-width: 420px;
    }
    .team-photo {
        width: 140px;
        height: 140px;
        aspect-ratio: 1 / 1;
    }
    .team-cta { padding: 30px 20px; }
}

@media (max-width: 430px) {
    .logo-text .sub { letter-spacing: 1.5px; }
    .hero-content { padding: 56px 18px 60px; }
    .hero-badge { font-size: .68rem; line-height: 1.35; text-align: left; }
    .hero-chip { font-size: .74rem; padding: 7px 11px; }
    .hero-title { font-size: 1.95rem; }
    .hero-btns { flex-direction: column; }
    .hero-btns > * { width: 100%; flex-basis: auto; }
    .ncr-tag { font-size: .7rem; text-align: center; }
    .calculator-card { border-radius: 21px; }
    .apply-card { border-radius: 23px; }
    .apply-card-header { padding: 18px 20px; }
    .apply-card-header h3 { font-size: .97rem; }
    .team-whatsapp { max-width: 100%; }
    .about-full,
    .about-container { padding: 18px; }
}