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

:root {
    --primary: #0f2a4a;
    --primary-light: #1a3d6e;
    --accent: #e8a023;
    --accent-hover: #d4911a;
    --blue: #2563eb;
    --blue-light: #3b82f6;
    --green: #10b981;
    --text: #1e293b;
    --text-light: #64748b;
    --text-lighter: #94a3b8;
    --bg: #ffffff;
    --bg-light: #f8fafc;
    --bg-section: #f1f5f9;
    --border: #e2e8f0;
    --shadow: 0 1px 3px rgba(0,0,0,0.08), 0 1px 2px rgba(0,0,0,0.06);
    --shadow-md: 0 4px 6px rgba(0,0,0,0.07), 0 2px 4px rgba(0,0,0,0.06);
    --shadow-lg: 0 10px 25px rgba(0,0,0,0.1), 0 6px 10px rgba(0,0,0,0.08);
    --shadow-xl: 0 20px 40px rgba(0,0,0,0.12);
    --radius: 8px;
    --radius-lg: 16px;
    --transition: all 0.3s ease;
}

html {
    scroll-behavior: smooth;
}

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

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

ul { list-style: none; }

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

.container {
    max-width: 1200px;
    margin: 0 auto;
    padding: 0 20px;
}

/* ===== TOP BAR ===== */
.top-bar {
    background: var(--primary);
    color: rgba(255,255,255,0.8);
    font-size: 0.8rem;
    padding: 8px 0;
}

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

.top-bar-left {
    display: flex;
    gap: 24px;
}

.top-bar-left span {
    display: flex;
    align-items: center;
    gap: 6px;
}

.top-bar-left i {
    color: var(--accent);
    font-size: 0.75rem;
}

.top-bar-right {
    display: flex;
    gap: 12px;
}

.top-bar-right a {
    color: rgba(255,255,255,0.7);
    width: 28px;
    height: 28px;
    border-radius: 50%;
    border: 1px solid rgba(255,255,255,0.2);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 0.7rem;
}

.top-bar-right a:hover {
    background: var(--accent);
    border-color: var(--accent);
    color: #fff;
}

/* ===== HEADER ===== */
.header {
    background: var(--bg);
    box-shadow: var(--shadow);
    position: sticky;
    top: 0;
    z-index: 1000;
    transition: var(--transition);
}

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

.nav {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 0;
    min-height: 70px;
}

.logo {
    display: flex;
    align-items: center;
    gap: 10px;
    font-weight: 800;
    font-size: 1.5rem;
    color: var(--primary);
}

.logo-icon {
    width: 42px;
    height: 42px;
    background: linear-gradient(135deg, var(--primary), var(--blue));
    border-radius: 10px;
    display: flex;
    align-items: center;
    justify-content: center;
    color: #fff;
    font-size: 1.1rem;
}

.logo .logo-img {
    height: 52px;
    width: auto;
    max-width: 260px;
    object-fit: contain;
    display: block;
}

@media (max-width: 600px) {
    .logo .logo-img {
        height: 42px;
        max-width: 200px;
    }
}

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

.nav-links {
    display: flex;
    align-items: center;
    gap: 8px;
}

.nav-links a {
    padding: 8px 18px;
    border-radius: 6px;
    font-weight: 500;
    font-size: 0.95rem;
    color: var(--text);
}

.nav-links a:hover,
.nav-links a.active {
    color: var(--blue);
    background: rgba(37, 99, 235, 0.06);
}

.btn-nav {
    background: var(--accent) !important;
    color: #fff !important;
    font-weight: 600 !important;
    padding: 10px 24px !important;
    border-radius: 6px !important;
}

.btn-nav:hover,
.btn-nav.active {
    background: var(--accent-hover) !important;
    color: #fff !important;
}

.nav-right {
    display: flex;
    align-items: center;
    gap: 16px;
}

.phone-link {
    display: flex;
    align-items: center;
    gap: 6px;
    color: var(--primary);
    font-weight: 600;
    font-size: 0.9rem;
}

.phone-link i {
    color: var(--accent);
}

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

.hamburger span {
    width: 24px;
    height: 2.5px;
    background: var(--primary);
    border-radius: 2px;
    transition: var(--transition);
}

/* ===== BUTTONS ===== */
.btn {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 14px 32px;
    border-radius: var(--radius);
    font-weight: 600;
    font-size: 0.95rem;
    cursor: pointer;
    border: none;
    transition: var(--transition);
    font-family: inherit;
}

.btn-primary {
    background: var(--accent);
    color: #fff;
}

.btn-primary:hover {
    background: var(--accent-hover);
    transform: translateY(-2px);
    box-shadow: 0 8px 20px rgba(232, 160, 35, 0.35);
}

.btn-secondary {
    background: rgba(255,255,255,0.15);
    color: #fff;
    border: 2px solid rgba(255,255,255,0.3);
    backdrop-filter: blur(4px);
}

.btn-secondary:hover {
    background: #fff;
    color: var(--primary);
    border-color: #fff;
    transform: translateY(-2px);
}

.btn-outline {
    background: transparent;
    color: var(--primary);
    border: 2px solid var(--primary);
}

.btn-outline:hover {
    background: var(--primary);
    color: #fff;
    transform: translateY(-2px);
}

.btn-blue {
    background: var(--blue);
    color: #fff;
}

.btn-blue:hover {
    background: var(--blue-light);
    transform: translateY(-2px);
    box-shadow: 0 8px 20px rgba(37, 99, 235, 0.35);
}

.btn-submit {
    width: 100%;
    justify-content: center;
    padding: 16px 32px;
    font-size: 1rem;
}

/* ===== HERO SECTION ===== */
.hero {
    background: linear-gradient(135deg, var(--primary) 0%, #0c1f3a 50%, #071428 100%);
    padding: 100px 0 80px;
    position: relative;
    overflow: hidden;
    min-height: 600px;
    display: flex;
    align-items: center;
}

.hero::before {
    content: '';
    position: absolute;
    top: -50%;
    right: -20%;
    width: 700px;
    height: 700px;
    background: radial-gradient(circle, rgba(37, 99, 235, 0.15) 0%, transparent 70%);
    border-radius: 50%;
}

.hero::after {
    content: '';
    position: absolute;
    bottom: -30%;
    left: -10%;
    width: 500px;
    height: 500px;
    background: radial-gradient(circle, rgba(232, 160, 35, 0.1) 0%, transparent 70%);
    border-radius: 50%;
}

.hero .container {
    position: relative;
    z-index: 2;
}

.hero-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 60px;
    align-items: center;
}

.hero-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: rgba(37, 99, 235, 0.15);
    border: 1px solid rgba(37, 99, 235, 0.3);
    padding: 6px 16px;
    border-radius: 50px;
    color: var(--blue-light);
    font-size: 0.85rem;
    font-weight: 500;
    margin-bottom: 24px;
}

.hero-badge i {
    font-size: 0.75rem;
}

.hero h1 {
    font-size: 3.2rem;
    font-weight: 800;
    color: #fff;
    line-height: 1.15;
    margin-bottom: 20px;
}

.hero h1 span {
    background: linear-gradient(135deg, var(--accent), #f5c563);
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
}

.hero p {
    color: rgba(255,255,255,0.7);
    font-size: 1.1rem;
    line-height: 1.7;
    margin-bottom: 36px;
    max-width: 520px;
}

.hero-buttons {
    display: flex;
    gap: 16px;
    flex-wrap: wrap;
}

.hero-stats {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 20px;
}

.hero-stat-card {
    background: rgba(255,255,255,0.06);
    border: 1px solid rgba(255,255,255,0.1);
    backdrop-filter: blur(10px);
    border-radius: var(--radius-lg);
    padding: 28px 24px;
    text-align: center;
    transition: var(--transition);
}

.hero-stat-card:hover {
    background: rgba(255,255,255,0.1);
    transform: translateY(-4px);
}

.hero-stat-card .stat-icon {
    width: 48px;
    height: 48px;
    border-radius: 12px;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 14px;
    font-size: 1.2rem;
}

.hero-stat-card:nth-child(1) .stat-icon { background: rgba(37, 99, 235, 0.2); color: var(--blue-light); }
.hero-stat-card:nth-child(2) .stat-icon { background: rgba(16, 185, 129, 0.2); color: var(--green); }
.hero-stat-card:nth-child(3) .stat-icon { background: rgba(232, 160, 35, 0.2); color: var(--accent); }
.hero-stat-card:nth-child(4) .stat-icon { background: rgba(139, 92, 246, 0.2); color: #a78bfa; }

.hero-stat-card h3 {
    font-size: 2rem;
    font-weight: 800;
    color: #fff;
    margin-bottom: 4px;
}

.hero-stat-card p {
    font-size: 0.85rem;
    color: rgba(255,255,255,0.6);
    margin: 0;
}

/* ===== SECTION COMMONS ===== */
.section {
    padding: 90px 0;
}

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

.section-header {
    text-align: center;
    max-width: 640px;
    margin: 0 auto 60px;
}

.section-label {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: rgba(37, 99, 235, 0.08);
    color: var(--blue);
    padding: 6px 16px;
    border-radius: 50px;
    font-size: 0.85rem;
    font-weight: 600;
    margin-bottom: 16px;
    text-transform: uppercase;
    letter-spacing: 0.5px;
}

.section-header h2 {
    font-size: 2.2rem;
    font-weight: 800;
    color: var(--primary);
    margin-bottom: 16px;
    line-height: 1.2;
}

.section-header p {
    color: var(--text-light);
    font-size: 1.05rem;
    line-height: 1.7;
}

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

.service-card {
    background: var(--bg);
    border-radius: var(--radius-lg);
    padding: 36px 28px;
    text-align: center;
    box-shadow: var(--shadow);
    border: 1px solid var(--border);
    transition: var(--transition);
    position: relative;
    overflow: hidden;
}

.service-card::before {
    content: '';
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    height: 4px;
    border-radius: 4px 4px 0 0;
    transition: var(--transition);
}

.service-card:nth-child(1)::before { background: var(--blue); }
.service-card:nth-child(2)::before { background: var(--green); }
.service-card:nth-child(3)::before { background: var(--accent); }
.service-card:nth-child(4)::before { background: #8b5cf6; }

.service-card:hover {
    transform: translateY(-8px);
    box-shadow: var(--shadow-xl);
}

.service-icon {
    width: 64px;
    height: 64px;
    border-radius: 16px;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 20px;
    font-size: 1.5rem;
}

.service-card:nth-child(1) .service-icon { background: rgba(37, 99, 235, 0.1); color: var(--blue); }
.service-card:nth-child(2) .service-icon { background: rgba(16, 185, 129, 0.1); color: var(--green); }
.service-card:nth-child(3) .service-icon { background: rgba(232, 160, 35, 0.1); color: var(--accent); }
.service-card:nth-child(4) .service-icon { background: rgba(139, 92, 246, 0.1); color: #8b5cf6; }

.service-card h3 {
    font-size: 1.15rem;
    font-weight: 700;
    margin-bottom: 12px;
    color: var(--primary);
}

.service-card p {
    color: var(--text-light);
    font-size: 0.9rem;
    line-height: 1.6;
    margin-bottom: 20px;
}

.service-card .btn {
    padding: 10px 20px;
    font-size: 0.85rem;
}

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

.about-content .section-label {
    margin-bottom: 16px;
}

.about-content h2 {
    font-size: 2.2rem;
    font-weight: 800;
    color: var(--primary);
    margin-bottom: 20px;
    line-height: 1.2;
}

.about-content p {
    color: var(--text-light);
    font-size: 1rem;
    line-height: 1.7;
    margin-bottom: 28px;
}

.about-features {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 16px;
    margin-bottom: 32px;
}

.about-feature {
    display: flex;
    align-items: flex-start;
    gap: 12px;
    padding: 16px;
    background: var(--bg-light);
    border-radius: var(--radius);
    border: 1px solid var(--border);
}

.about-feature i {
    color: var(--green);
    font-size: 1rem;
    margin-top: 2px;
}

.about-feature span {
    font-weight: 600;
    font-size: 0.9rem;
    color: var(--primary);
}

.about-image {
    position: relative;
}

.about-image-card {
    background: linear-gradient(135deg, var(--primary), var(--primary-light));
    border-radius: var(--radius-lg);
    padding: 48px;
    color: #fff;
    position: relative;
    overflow: hidden;
    min-height: 400px;
    display: flex;
    flex-direction: column;
    justify-content: center;
}

.about-image-card::before {
    content: '';
    position: absolute;
    top: -50%;
    right: -30%;
    width: 300px;
    height: 300px;
    background: radial-gradient(circle, rgba(232, 160, 35, 0.15) 0%, transparent 70%);
    border-radius: 50%;
}

.about-image-card .big-number {
    font-size: 5rem;
    font-weight: 900;
    color: rgba(255,255,255,0.1);
    position: absolute;
    top: 20px;
    right: 30px;
}

.about-image-card h3 {
    font-size: 1.5rem;
    font-weight: 700;
    margin-bottom: 16px;
    position: relative;
}

.about-image-card p {
    color: rgba(255,255,255,0.7);
    line-height: 1.7;
    position: relative;
    font-size: 0.95rem;
}

.about-image-card .stats-row {
    display: flex;
    gap: 32px;
    margin-top: 32px;
    position: relative;
}

.about-image-card .stat-item h4 {
    font-size: 1.8rem;
    font-weight: 800;
    color: var(--accent);
}

.about-image-card .stat-item p {
    font-size: 0.8rem;
    color: rgba(255,255,255,0.6);
}

/* ===== PROCESS / STEPS ===== */
.steps-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 24px;
    position: relative;
}

.steps-grid::before {
    content: '';
    position: absolute;
    top: 48px;
    left: 15%;
    right: 15%;
    height: 2px;
    background: linear-gradient(90deg, var(--blue), var(--green), var(--accent), #8b5cf6);
    z-index: 0;
}

.step-card {
    text-align: center;
    position: relative;
    z-index: 1;
}

.step-number {
    width: 72px;
    height: 72px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 20px;
    font-size: 1.5rem;
    font-weight: 800;
    color: #fff;
    position: relative;
}

.step-card:nth-child(1) .step-number { background: linear-gradient(135deg, var(--blue), var(--blue-light)); }
.step-card:nth-child(2) .step-number { background: linear-gradient(135deg, var(--green), #34d399); }
.step-card:nth-child(3) .step-number { background: linear-gradient(135deg, var(--accent), #f5c563); }
.step-card:nth-child(4) .step-number { background: linear-gradient(135deg, #8b5cf6, #a78bfa); }

.step-number::after {
    content: '';
    position: absolute;
    inset: -6px;
    border-radius: 50%;
    border: 2px dashed rgba(0,0,0,0.1);
}

.step-card h3 {
    font-size: 1rem;
    font-weight: 700;
    color: var(--primary);
    margin-bottom: 8px;
}

.step-card p {
    font-size: 0.85rem;
    color: var(--text-light);
    line-height: 1.5;
    max-width: 220px;
    margin: 0 auto;
}

/* ===== BANK PARTNERS ===== */
.banks-marquee-wrapper {
    overflow: hidden;
    padding: 20px 0;
}

.banks-marquee {
    display: flex;
    gap: 24px;
    animation: marquee 40s linear infinite;
    width: max-content;
}

.banks-marquee:hover {
    animation-play-state: paused;
}

.bank-chip {
    display: flex;
    align-items: center;
    gap: 8px;
    padding: 12px 20px;
    background: var(--bg);
    border: 1px solid var(--border);
    border-radius: 50px;
    font-size: 0.85rem;
    font-weight: 500;
    color: var(--text);
    white-space: nowrap;
    transition: var(--transition);
}

.bank-chip:hover {
    border-color: var(--blue);
    box-shadow: var(--shadow-md);
}

.bank-chip i {
    color: var(--blue);
}

@keyframes marquee {
    0% { transform: translateX(0); }
    100% { transform: translateX(-50%); }
}

/* ===== CTA SECTION ===== */
.cta-section {
    background: linear-gradient(135deg, var(--primary) 0%, #0c1f3a 100%);
    padding: 80px 0;
    position: relative;
    overflow: hidden;
}

.cta-section::before {
    content: '';
    position: absolute;
    top: -50%;
    right: -10%;
    width: 500px;
    height: 500px;
    background: radial-gradient(circle, rgba(232, 160, 35, 0.1) 0%, transparent 70%);
    border-radius: 50%;
}

.cta-content {
    text-align: center;
    position: relative;
    z-index: 2;
    max-width: 640px;
    margin: 0 auto;
}

.cta-content h2 {
    font-size: 2.2rem;
    font-weight: 800;
    color: #fff;
    margin-bottom: 16px;
}

.cta-content p {
    color: rgba(255,255,255,0.7);
    font-size: 1.05rem;
    margin-bottom: 32px;
    line-height: 1.7;
}

.cta-buttons {
    display: flex;
    justify-content: center;
    gap: 16px;
    flex-wrap: wrap;
}

/* ===== PAGE BANNER ===== */
.page-banner {
    background: linear-gradient(135deg, var(--primary) 0%, #0c1f3a 100%);
    padding: 60px 0 50px;
    position: relative;
    overflow: hidden;
}

.page-banner::before {
    content: '';
    position: absolute;
    top: -50%;
    right: -20%;
    width: 500px;
    height: 500px;
    background: radial-gradient(circle, rgba(37, 99, 235, 0.12) 0%, transparent 70%);
    border-radius: 50%;
}

.page-banner .container {
    position: relative;
    z-index: 2;
}

.page-banner h1 {
    font-size: 2.4rem;
    font-weight: 800;
    color: #fff;
    margin-bottom: 12px;
}

.breadcrumb {
    display: flex;
    align-items: center;
    gap: 8px;
    color: rgba(255,255,255,0.6);
    font-size: 0.9rem;
}

.breadcrumb a {
    color: var(--accent);
}

.breadcrumb a:hover {
    color: #fff;
}

/* ===== FORMS ===== */
.form-section {
    padding: 90px 0;
}

.form-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 60px;
}

.form-card {
    background: var(--bg);
    border-radius: var(--radius-lg);
    padding: 40px;
    box-shadow: var(--shadow-lg);
    border: 1px solid var(--border);
}

.form-card h2 {
    font-size: 1.6rem;
    font-weight: 700;
    color: var(--primary);
    margin-bottom: 8px;
}

.form-card > p {
    color: var(--text-light);
    margin-bottom: 32px;
    font-size: 0.95rem;
}

.form-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 16px;
}

.form-group {
    margin-bottom: 20px;
}

.form-group label {
    display: block;
    font-size: 0.85rem;
    font-weight: 600;
    color: var(--text);
    margin-bottom: 6px;
}

.form-group label .required {
    color: #ef4444;
}

.form-group input,
.form-group select,
.form-group textarea {
    width: 100%;
    padding: 12px 16px;
    border: 1.5px solid var(--border);
    border-radius: var(--radius);
    font-size: 0.9rem;
    font-family: inherit;
    color: var(--text);
    background: var(--bg);
    transition: var(--transition);
    outline: none;
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
    border-color: var(--blue);
    box-shadow: 0 0 0 3px rgba(37, 99, 235, 0.1);
}

.form-group textarea {
    resize: vertical;
    min-height: 100px;
}

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

/* ===== CONTACT INFO CARDS ===== */
.contact-info-cards {
    display: flex;
    flex-direction: column;
    gap: 24px;
}

.contact-info-card {
    display: flex;
    align-items: flex-start;
    gap: 20px;
    padding: 28px;
    background: var(--bg);
    border-radius: var(--radius-lg);
    border: 1px solid var(--border);
    box-shadow: var(--shadow);
    transition: var(--transition);
}

.contact-info-card:hover {
    box-shadow: var(--shadow-md);
    transform: translateY(-2px);
}

.contact-info-card .icon {
    width: 52px;
    height: 52px;
    border-radius: 12px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 1.1rem;
    flex-shrink: 0;
}

.contact-info-card:nth-child(1) .icon { background: rgba(37, 99, 235, 0.1); color: var(--blue); }
.contact-info-card:nth-child(2) .icon { background: rgba(16, 185, 129, 0.1); color: var(--green); }
.contact-info-card:nth-child(3) .icon { background: rgba(232, 160, 35, 0.1); color: var(--accent); }

.contact-info-card h4 {
    font-size: 1rem;
    font-weight: 700;
    color: var(--primary);
    margin-bottom: 6px;
}

.contact-info-card p,
.contact-info-card a {
    color: var(--text-light);
    font-size: 0.9rem;
    line-height: 1.6;
}

.contact-info-card a:hover {
    color: var(--blue);
}

/* ===== FAQ ===== */
.faq-list {
    max-width: 800px;
    margin: 0 auto;
}

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

.faq-item.active {
    border-color: var(--blue);
    box-shadow: 0 0 0 3px rgba(37, 99, 235, 0.06);
}

.faq-question {
    display: flex;
    align-items: center;
    justify-content: space-between;
    padding: 20px 24px;
    cursor: pointer;
    font-weight: 600;
    color: var(--primary);
    font-size: 0.95rem;
    gap: 16px;
}

.faq-question i {
    transition: var(--transition);
    color: var(--blue);
    font-size: 0.85rem;
    flex-shrink: 0;
}

.faq-item.active .faq-question i {
    transform: rotate(180deg);
}

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

.faq-answer-inner {
    padding: 0 24px 20px;
    color: var(--text-light);
    font-size: 0.9rem;
    line-height: 1.7;
}

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

.about-intro-content h2 {
    font-size: 2rem;
    font-weight: 800;
    color: var(--primary);
    margin-bottom: 20px;
}

.about-intro-content p {
    color: var(--text-light);
    line-height: 1.7;
    margin-bottom: 16px;
}

.about-highlights {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 16px;
    margin-top: 28px;
}

.about-highlight {
    display: flex;
    align-items: center;
    gap: 12px;
    padding: 14px 16px;
    background: var(--bg-light);
    border-radius: var(--radius);
    border: 1px solid var(--border);
}

.about-highlight i {
    color: var(--green);
    font-size: 0.9rem;
}

.about-highlight span {
    font-weight: 600;
    font-size: 0.9rem;
    color: var(--primary);
}

.about-visual {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 20px;
}

.about-visual-card {
    background: linear-gradient(135deg, var(--primary), var(--primary-light));
    border-radius: var(--radius-lg);
    padding: 32px 24px;
    color: #fff;
    text-align: center;
}

.about-visual-card:nth-child(2) { background: linear-gradient(135deg, var(--blue), var(--blue-light)); margin-top: 30px; }
.about-visual-card:nth-child(3) { background: linear-gradient(135deg, var(--accent), #d4911a); margin-top: -30px; }
.about-visual-card:nth-child(4) { background: linear-gradient(135deg, var(--green), #34d399); }

.about-visual-card i {
    font-size: 1.8rem;
    margin-bottom: 12px;
    opacity: 0.9;
}

.about-visual-card h4 {
    font-size: 1.6rem;
    font-weight: 800;
    margin-bottom: 4px;
}

.about-visual-card p {
    font-size: 0.8rem;
    opacity: 0.8;
}

/* Why Choose Section */
.why-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
}

.why-card {
    background: var(--bg);
    border: 1px solid var(--border);
    border-radius: var(--radius-lg);
    padding: 32px 24px;
    text-align: center;
    box-shadow: var(--shadow);
    transition: var(--transition);
}

.why-card:hover {
    transform: translateY(-6px);
    box-shadow: var(--shadow-lg);
}

.why-card .icon {
    width: 56px;
    height: 56px;
    border-radius: 14px;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 16px;
    font-size: 1.3rem;
}

.why-card:nth-child(1) .icon { background: rgba(37, 99, 235, 0.1); color: var(--blue); }
.why-card:nth-child(2) .icon { background: rgba(16, 185, 129, 0.1); color: var(--green); }
.why-card:nth-child(3) .icon { background: rgba(232, 160, 35, 0.1); color: var(--accent); }
.why-card:nth-child(4) .icon { background: rgba(139, 92, 246, 0.1); color: #8b5cf6; }
.why-card:nth-child(5) .icon { background: rgba(239, 68, 68, 0.1); color: #ef4444; }
.why-card:nth-child(6) .icon { background: rgba(6, 182, 212, 0.1); color: #06b6d4; }

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

.why-card p {
    font-size: 0.85rem;
    color: var(--text-light);
    line-height: 1.6;
}

/* ===== APPLY PAGE ===== */
.apply-form-section {
    padding: 90px 0;
}

.apply-grid {
    display: grid;
    grid-template-columns: 2fr 1fr;
    gap: 40px;
}

.apply-sidebar {
    display: flex;
    flex-direction: column;
    gap: 24px;
}

.sidebar-card {
    background: var(--bg);
    border: 1px solid var(--border);
    border-radius: var(--radius-lg);
    padding: 28px;
    box-shadow: var(--shadow);
}

.sidebar-card h3 {
    font-size: 1.1rem;
    font-weight: 700;
    color: var(--primary);
    margin-bottom: 16px;
    display: flex;
    align-items: center;
    gap: 8px;
}

.sidebar-card h3 i {
    color: var(--blue);
}

.sidebar-step {
    display: flex;
    gap: 14px;
    margin-bottom: 16px;
    align-items: flex-start;
}

.sidebar-step:last-child {
    margin-bottom: 0;
}

.sidebar-step .num {
    width: 32px;
    height: 32px;
    border-radius: 50%;
    background: var(--blue);
    color: #fff;
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 0.8rem;
    font-weight: 700;
    flex-shrink: 0;
}

.sidebar-step .info h4 {
    font-size: 0.9rem;
    font-weight: 600;
    color: var(--primary);
    margin-bottom: 2px;
}

.sidebar-step .info p {
    font-size: 0.8rem;
    color: var(--text-light);
    line-height: 1.4;
}

.help-card {
    background: linear-gradient(135deg, var(--primary), var(--primary-light));
    border: none;
    color: #fff;
}

.help-card h3 {
    color: #fff;
}

.help-card h3 i {
    color: var(--accent);
}

.help-card p {
    color: rgba(255,255,255,0.7);
    font-size: 0.9rem;
    margin-bottom: 16px;
    line-height: 1.6;
}

.help-card .phone-big {
    display: flex;
    align-items: center;
    gap: 10px;
    color: var(--accent);
    font-size: 1.2rem;
    font-weight: 700;
}

/* ===== LEGAL PAGES ===== */
.legal-content {
    padding: 60px 0 90px;
}

.legal-content .container {
    max-width: 800px;
}

.legal-content h2 {
    font-size: 1.5rem;
    font-weight: 700;
    color: var(--primary);
    margin: 36px 0 12px;
}

.legal-content h3 {
    font-size: 1.15rem;
    font-weight: 600;
    color: var(--primary);
    margin: 24px 0 8px;
}

.legal-content p {
    color: var(--text-light);
    line-height: 1.8;
    margin-bottom: 14px;
    font-size: 0.95rem;
}

.legal-content ul {
    margin: 12px 0 20px 24px;
    list-style: disc;
}

.legal-content ul li {
    color: var(--text-light);
    margin-bottom: 6px;
    font-size: 0.95rem;
    line-height: 1.6;
}

/* ===== ALERT MESSAGES ===== */
.alert {
    padding: 16px 20px;
    border-radius: var(--radius);
    margin-bottom: 24px;
    font-size: 0.9rem;
    font-weight: 500;
    display: flex;
    align-items: center;
    gap: 10px;
}

.alert-success {
    background: rgba(16, 185, 129, 0.1);
    color: #059669;
    border: 1px solid rgba(16, 185, 129, 0.2);
}

.alert-error {
    background: rgba(239, 68, 68, 0.1);
    color: #dc2626;
    border: 1px solid rgba(239, 68, 68, 0.2);
}

/* ===== FOOTER ===== */
.footer {
    background: var(--primary);
    color: rgba(255,255,255,0.7);
}

.footer-top {
    padding: 64px 0 48px;
}

.footer-grid {
    display: grid;
    grid-template-columns: 1.5fr 1fr 1fr 1.5fr;
    gap: 40px;
}

.footer-logo {
    display: flex;
    align-items: center;
    gap: 10px;
    margin-bottom: 16px;
}

.footer-logo .logo-icon {
    width: 38px;
    height: 38px;
    font-size: 1rem;
}

.footer-logo .logo-img {
    height: 50px;
    width: auto;
    max-width: 240px;
    object-fit: contain;
    background: #fff;
    border-radius: 8px;
    padding: 6px 10px;
}

.footer-logo .logo-text {
    font-size: 1.3rem;
    font-weight: 800;
    color: #fff;
}

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

.footer-col p {
    font-size: 0.9rem;
    line-height: 1.7;
    margin-bottom: 20px;
}

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

.footer-social a {
    width: 36px;
    height: 36px;
    border-radius: 8px;
    background: rgba(255,255,255,0.08);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 0.85rem;
    color: rgba(255,255,255,0.7);
    transition: var(--transition);
}

.footer-social a:hover {
    background: var(--accent);
    color: #fff;
}

.footer-col h4 {
    color: #fff;
    font-size: 1.05rem;
    font-weight: 700;
    margin-bottom: 20px;
    position: relative;
    padding-bottom: 12px;
}

.footer-col h4::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    width: 32px;
    height: 2px;
    background: var(--accent);
}

.footer-col ul li {
    margin-bottom: 10px;
}

.footer-col ul li a {
    font-size: 0.9rem;
    transition: var(--transition);
}

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

.footer-contact li {
    display: flex;
    align-items: flex-start;
    gap: 12px;
    margin-bottom: 14px !important;
}

.footer-contact i {
    color: var(--accent);
    margin-top: 4px;
    font-size: 0.85rem;
}

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

.footer-bottom {
    border-top: 1px solid rgba(255,255,255,0.08);
    padding: 20px 0;
}

.footer-bottom-content {
    display: flex;
    justify-content: space-between;
    align-items: center;
    font-size: 0.85rem;
}

.footer-bottom-links {
    display: flex;
    gap: 24px;
}

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

/* ===== RESPONSIVE ===== */
@media (max-width: 1024px) {
    .hero h1 { font-size: 2.6rem; }
    .services-grid { grid-template-columns: repeat(2, 1fr); }
    .steps-grid { grid-template-columns: repeat(2, 1fr); gap: 32px; }
    .steps-grid::before { display: none; }
    .footer-grid { grid-template-columns: 1fr 1fr; gap: 32px; }
    .about-grid,
    .about-intro-grid { grid-template-columns: 1fr; gap: 40px; }
    .why-grid { grid-template-columns: repeat(2, 1fr); }
    .apply-grid { grid-template-columns: 1fr; }
}

@media (max-width: 768px) {
    .top-bar-left { display: none; }
    .top-bar-right { margin: 0 auto; }

    .nav-links {
        position: fixed;
        top: 0;
        right: -100%;
        width: 280px;
        height: 100vh;
        background: var(--bg);
        flex-direction: column;
        padding: 80px 24px 24px;
        box-shadow: var(--shadow-xl);
        transition: right 0.3s ease;
        z-index: 999;
        align-items: flex-start;
        gap: 4px;
    }

    .nav-links.open {
        right: 0;
    }

    .nav-links a {
        width: 100%;
        padding: 12px 16px;
    }

    .btn-nav {
        width: 100% !important;
        text-align: center !important;
        margin-top: 12px;
    }

    .hamburger { display: flex; }

    .hamburger.active span:nth-child(1) {
        transform: rotate(45deg) translate(5px, 5px);
    }
    .hamburger.active span:nth-child(2) {
        opacity: 0;
    }
    .hamburger.active span:nth-child(3) {
        transform: rotate(-45deg) translate(5px, -5px);
    }

    .phone-link span { display: none; }

    .hero { padding: 60px 0; min-height: auto; }
    .hero-grid { grid-template-columns: 1fr; gap: 40px; }
    .hero h1 { font-size: 2rem; }
    .hero p { font-size: 1rem; }
    .hero-stats { grid-template-columns: 1fr 1fr; }

    .section { padding: 60px 0; }
    .section-header h2 { font-size: 1.8rem; }

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

    .form-grid { grid-template-columns: 1fr; gap: 40px; }
    .form-row { grid-template-columns: 1fr; }

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

    .about-visual { grid-template-columns: 1fr 1fr; }
    .about-visual-card:nth-child(2) { margin-top: 0; }
    .about-visual-card:nth-child(3) { margin-top: 0; }

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

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

    .page-banner h1 { font-size: 1.8rem; }

    .cta-content h2 { font-size: 1.6rem; }

    .footer-bottom-content {
        flex-direction: column;
        gap: 12px;
        text-align: center;
    }

    .hero-buttons { flex-direction: column; }
    .hero-buttons .btn { width: 100%; justify-content: center; }
}

@media (max-width: 480px) {
    .hero h1 { font-size: 1.7rem; }
    .hero-stats { grid-template-columns: 1fr; }
    .hero-stat-card { padding: 20px 16px; }
    .form-card { padding: 24px 20px; }
    .about-visual { grid-template-columns: 1fr; }
    .about-visual-card:nth-child(2),
    .about-visual-card:nth-child(3) { margin-top: 0; }
}

/* ===== OVERLAY (mobile menu) ===== */
.nav-overlay {
    position: fixed;
    inset: 0;
    background: rgba(0,0,0,0.5);
    z-index: 998;
    opacity: 0;
    visibility: hidden;
    transition: var(--transition);
}

.nav-overlay.active {
    opacity: 1;
    visibility: visible;
}

/* ===== ANIMATIONS ===== */
.fade-up {
    opacity: 0;
    transform: translateY(30px);
    transition: opacity 0.6s ease, transform 0.6s ease;
}

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

/* ===== POPUP MODAL ===== */
.popup-overlay {
    position: fixed;
    inset: 0;
    background: rgba(0, 0, 0, 0.6);
    backdrop-filter: blur(4px);
    z-index: 9998;
    opacity: 0;
    visibility: hidden;
    transition: all 0.3s ease;
}

.popup-overlay.active {
    opacity: 1;
    visibility: visible;
}

.popup-modal {
    position: fixed;
    top: 50%;
    left: 50%;
    transform: translate(-50%, -50%) scale(0.9);
    background: var(--bg);
    border-radius: var(--radius-lg);
    box-shadow: 0 25px 60px rgba(0, 0, 0, 0.3);
    z-index: 9999;
    width: 90%;
    max-width: 580px;
    max-height: 90vh;
    overflow-y: auto;
    padding: 36px;
    opacity: 0;
    visibility: hidden;
    transition: all 0.35s cubic-bezier(0.4, 0, 0.2, 1);
}

.popup-modal.active {
    opacity: 1;
    visibility: visible;
    transform: translate(-50%, -50%) scale(1);
}

.popup-close {
    position: absolute;
    top: 16px;
    right: 16px;
    width: 36px;
    height: 36px;
    border-radius: 50%;
    border: none;
    background: var(--bg-section);
    color: var(--text-light);
    font-size: 1rem;
    cursor: pointer;
    display: flex;
    align-items: center;
    justify-content: center;
    transition: var(--transition);
    z-index: 1;
}

.popup-close:hover {
    background: #fee2e2;
    color: #dc2626;
}

.popup-header {
    text-align: center;
    margin-bottom: 28px;
}

.popup-icon {
    width: 60px;
    height: 60px;
    border-radius: 50%;
    background: linear-gradient(135deg, var(--accent), #f5c563);
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 16px;
    font-size: 1.4rem;
    color: #fff;
}

.popup-header h3 {
    font-size: 1.4rem;
    font-weight: 800;
    color: var(--primary);
    margin-bottom: 6px;
}

.popup-header p {
    font-size: 0.9rem;
    color: var(--text-light);
}

.popup-form-row {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 14px;
}

.popup-modal .form-group {
    margin-bottom: 16px;
}

.popup-modal .form-group label {
    font-size: 0.8rem;
}

.popup-modal .form-group input,
.popup-modal .form-group select {
    padding: 10px 14px;
    font-size: 0.85rem;
}

.popup-modal .btn-submit {
    margin-top: 4px;
}

/* ===== FLOATING APPLY BUTTON ===== */
.floating-apply-btn {
    position: fixed;
    bottom: 28px;
    right: 28px;
    z-index: 997;
    background: linear-gradient(135deg, var(--accent), #d4911a);
    color: #fff;
    border: none;
    border-radius: 50px;
    padding: 14px 28px;
    font-size: 0.95rem;
    font-weight: 700;
    font-family: inherit;
    cursor: pointer;
    display: flex;
    align-items: center;
    gap: 10px;
    box-shadow: 0 8px 24px rgba(232, 160, 35, 0.4);
    transition: all 0.3s ease;
    animation: floatPulse 2s ease-in-out infinite;
}

.floating-apply-btn:hover {
    transform: translateY(-3px) scale(1.05);
    box-shadow: 0 12px 32px rgba(232, 160, 35, 0.5);
    animation: none;
}

.floating-apply-btn i {
    font-size: 1.1rem;
}

@keyframes floatPulse {
    0%, 100% { transform: translateY(0); }
    50% { transform: translateY(-5px); }
}

/* ===== THANK YOU PAGE ===== */
.thankyou-section {
    min-height: calc(100vh - 200px);
    display: flex;
    align-items: center;
    justify-content: center;
    padding: 60px 0;
    background: linear-gradient(180deg, var(--bg-section) 0%, var(--bg) 100%);
}

.thankyou-card {
    text-align: center;
    max-width: 600px;
    margin: 0 auto;
    background: var(--bg);
    border-radius: var(--radius-lg);
    padding: 60px 48px;
    box-shadow: var(--shadow-lg);
    border: 1px solid var(--border);
}

.thankyou-icon {
    width: 90px;
    height: 90px;
    border-radius: 50%;
    background: linear-gradient(135deg, #10b981, #34d399);
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 24px;
    font-size: 2.5rem;
    color: #fff;
    animation: scaleIn 0.5s cubic-bezier(0.4, 0, 0.2, 1);
}

@keyframes scaleIn {
    0% { transform: scale(0); opacity: 0; }
    50% { transform: scale(1.15); }
    100% { transform: scale(1); opacity: 1; }
}

.thankyou-card h1 {
    font-size: 2.2rem;
    font-weight: 800;
    color: var(--primary);
    margin-bottom: 12px;
}

.thankyou-main {
    font-size: 1.1rem;
    color: var(--text);
    font-weight: 500;
    margin-bottom: 8px;
}

.thankyou-sub {
    color: var(--text-light);
    font-size: 0.95rem;
    line-height: 1.7;
    margin-bottom: 32px;
}

.thankyou-info {
    background: var(--bg-section);
    border-radius: var(--radius);
    padding: 24px;
    margin-bottom: 32px;
    display: flex;
    flex-direction: column;
    gap: 14px;
}

.thankyou-info-item {
    display: flex;
    align-items: center;
    gap: 12px;
    font-size: 0.9rem;
    color: var(--text);
}

.thankyou-info-item i {
    color: var(--blue);
    font-size: 1rem;
    width: 20px;
    text-align: center;
}

.thankyou-info-item a {
    color: var(--blue);
    font-weight: 600;
}

.thankyou-info-item a:hover {
    text-decoration: underline;
}

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

/* ===== POPUP RESPONSIVE ===== */
@media (max-width: 768px) {
    .popup-modal {
        width: 95%;
        padding: 24px 20px;
        max-height: 85vh;
    }

    .popup-form-row {
        grid-template-columns: 1fr;
        gap: 0;
    }

    .floating-apply-btn {
        bottom: 20px;
        right: 20px;
        padding: 12px 20px;
        font-size: 0.85rem;
    }

    .floating-apply-btn span {
        display: none;
    }

    .floating-apply-btn {
        width: 52px;
        height: 52px;
        border-radius: 50%;
        padding: 0;
        justify-content: center;
    }

    .thankyou-card {
        padding: 40px 24px;
    }

    .thankyou-card h1 {
        font-size: 1.8rem;
    }

    .thankyou-actions {
        flex-direction: column;
    }

    .thankyou-actions .btn {
        width: 100%;
        justify-content: center;
    }
}

/* ===== Global Error Toast ===== */
.error-toast {
    position: fixed;
    top: 24px;
    right: 24px;
    max-width: 420px;
    background: #fff;
    color: #991b1b;
    border: 1px solid #fecaca;
    border-left: 4px solid #dc2626;
    border-radius: 10px;
    box-shadow: 0 10px 40px rgba(0,0,0,0.15);
    padding: 14px 18px;
    padding-right: 44px;
    display: flex;
    align-items: center;
    gap: 12px;
    font-size: 0.95rem;
    font-weight: 500;
    z-index: 10000;
    transform: translateX(120%);
    opacity: 0;
    transition: transform 0.35s cubic-bezier(.2,.8,.2,1), opacity 0.35s;
}

.error-toast.show {
    transform: translateX(0);
    opacity: 1;
}

.error-toast i {
    color: #dc2626;
    font-size: 1.2rem;
    flex-shrink: 0;
}

.error-toast-close {
    position: absolute;
    top: 8px;
    right: 10px;
    background: none;
    border: none;
    color: #991b1b;
    font-size: 1.4rem;
    line-height: 1;
    cursor: pointer;
    padding: 4px 8px;
    opacity: 0.6;
}

.error-toast-close:hover { opacity: 1; }

@media (max-width: 600px) {
    .error-toast {
        top: 12px;
        right: 12px;
        left: 12px;
        max-width: none;
    }
}