/* ============================================================
   FAIR FUNDS SECURE — Main Stylesheet
   Theme: Navy & Gold — Premium French Finance
   ============================================================ */

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

:root {
  --navy:       #0A2342;
  --navy-mid:   #0E2D56;
  --navy-light: #1A3F6F;
  --gold:       #C8963E;
  --gold-light: #E0B060;
  --gold-pale:  #F7EDD8;
  --cream:      #FDFAF5;
  --white:      #FFFFFF;
  --gray-50:    #F8F9FA;
  --gray-100:   #F1F3F5;
  --gray-200:   #E9ECEF;
  --gray-400:   #ADB5BD;
  --gray-600:   #6C757D;
  --text:       #1A1A2E;
  --text-light: #5A6478;
  --success:    #2E7D32;
  --radius:     12px;
  --radius-lg:  20px;
  --shadow:     0 4px 24px rgba(10,35,66,.10);
  --shadow-lg:  0 12px 48px rgba(10,35,66,.18);
  --trans:      all .3s cubic-bezier(.4,0,.2,1);
  --font-serif: 'Playfair Display', Georgia, serif;
  --font-sans:  'DM Sans', system-ui, sans-serif;
}

html { scroll-behavior: smooth; font-size: 16px; }
body { font-family: var(--font-sans); color: var(--text); background: var(--cream); line-height: 1.65; overflow-x: hidden; }
img { max-width: 100%; height: auto; display: block; object-fit: cover; }
a { text-decoration: none; color: inherit; }
ul { list-style: none; }
button { font-family: var(--font-sans); }

.container { width: 100%; max-width: 1200px; margin: 0 auto; padding: 0 20px; }
.section-pad    { padding: 96px 0; }
.section-pad-sm { padding: 60px 0; }

/* ---------- TOPBAR ---------- */
.topbar { background: var(--navy); color: rgba(255,255,255,.7); font-size: .82rem; padding: 9px 0; }
.topbar-inner { display: flex; align-items: center; justify-content: space-between; gap: 12px; flex-wrap: wrap; }
.topbar-right { display: flex; gap: 20px; flex-wrap: wrap; }
.topbar span { display: flex; align-items: center; gap: 7px; }
.topbar i { color: var(--gold); font-size: .78rem; }

/* ---------- NAVBAR ---------- */
.navbar {
  position: sticky; top: 0; z-index: 1000;
  background: rgba(10,35,66,.97);
  backdrop-filter: blur(14px);
  border-bottom: 1px solid rgba(200,150,62,.15);
  transition: var(--trans);
}
.navbar.scrolled { box-shadow: 0 4px 30px rgba(0,0,0,.3); }
.nav-inner { display: flex; align-items: center; justify-content: space-between; height: 70px; }

.logo { display: flex; align-items: center; gap: 11px; flex-shrink: 0; }
.logo-icon { flex-shrink: 0; }
.logo-text { display: flex; flex-direction: column; line-height: 1.1; }
.logo-main { font-family: var(--font-serif); font-size: 1.25rem; font-weight: 700; color: var(--white); }
.logo-sub  { font-size: .6rem; letter-spacing: .22em; color: var(--gold); font-weight: 600; text-transform: uppercase; }

.nav-links { display: flex; align-items: center; gap: 4px; }
.nav-link {
  color: rgba(255,255,255,.8); font-size: .9rem; font-weight: 500;
  padding: 9px 14px; border-radius: 8px; transition: var(--trans); position: relative;
}
.nav-link:hover, .nav-link.active { color: var(--white); background: rgba(200,150,62,.12); }
.nav-link.active::after {
  content: ''; position: absolute; bottom: 4px; left: 50%; transform: translateX(-50%);
  width: 18px; height: 2px; background: var(--gold); border-radius: 2px;
}
.nav-cta {
  background: var(--gold); color: var(--navy) !important; font-weight: 700;
  padding: 10px 20px; border-radius: 8px; font-size: .9rem; margin-left: 8px;
  transition: var(--trans); white-space: nowrap;
}
.nav-cta:hover { background: var(--gold-light); transform: translateY(-1px); box-shadow: 0 4px 16px rgba(200,150,62,.4); }

.burger { display: none; flex-direction: column; gap: 5px; cursor: pointer; background: none; border: none; padding: 6px; z-index: 1001; }
.burger span { display: block; width: 24px; height: 2px; background: var(--white); border-radius: 2px; transition: var(--trans); }
.burger.open span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
.burger.open span:nth-child(2) { opacity: 0; }
.burger.open span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* ---------- BUTTONS ---------- */
.btn-primary {
  background: var(--gold); color: var(--navy); font-weight: 700;
  padding: 14px 30px; border-radius: var(--radius); font-size: .95rem;
  display: inline-flex; align-items: center; gap: 9px;
  transition: var(--trans); border: none; cursor: pointer; white-space: nowrap;
}
.btn-primary:hover { background: var(--gold-light); transform: translateY(-2px); box-shadow: 0 8px 24px rgba(200,150,62,.45); }
.btn-outline {
  background: transparent; color: var(--white); font-weight: 600;
  padding: 13px 26px; border-radius: var(--radius); font-size: .95rem;
  border: 2px solid rgba(255,255,255,.3);
  display: inline-flex; align-items: center; gap: 9px;
  transition: var(--trans); cursor: pointer; white-space: nowrap;
}
.btn-outline:hover { border-color: var(--gold); color: var(--gold); }
.btn-navy {
  background: var(--navy); color: var(--white); font-weight: 700;
  padding: 15px 34px; border-radius: var(--radius); font-size: .95rem;
  display: inline-flex; align-items: center; gap: 10px;
  transition: var(--trans); border: none; cursor: pointer;
}
.btn-navy:hover { background: var(--navy-mid); transform: translateY(-2px); box-shadow: 0 8px 24px rgba(10,35,66,.4); }

/* ---------- SECTION HEADER ---------- */
.section-tag {
  display: inline-block; background: var(--gold-pale); color: var(--gold);
  font-size: .72rem; font-weight: 700; letter-spacing: .12em; text-transform: uppercase;
  padding: 6px 16px; border-radius: 50px; margin-bottom: 14px;
}
.section-title {
  font-family: var(--font-serif); font-size: clamp(1.8rem, 3.5vw, 2.6rem);
  color: var(--navy); font-weight: 900; line-height: 1.2; margin-bottom: 14px;
}
.section-title em { color: var(--gold); font-style: normal; }
.section-sub { color: var(--text-light); font-size: 1.02rem; max-width: 560px; line-height: 1.75; }
.text-center { text-align: center; }
.text-center .section-sub { margin: 0 auto; }

/* ---------- HERO ---------- */
.hero {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 65%, #1e4d80 100%);
  position: relative; overflow: hidden;
}
.hero::before {
  content: ''; position: absolute; inset: 0; pointer-events: none;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='%23C8963E' fill-opacity='0.04'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/svg%3E");
}
.hero-grid {
  display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center;
  padding: 100px 0 80px; position: relative;
}
.hero-badge {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(200,150,62,.14); border: 1px solid rgba(200,150,62,.3);
  color: var(--gold-light); font-size: .78rem; font-weight: 600;
  padding: 7px 16px; border-radius: 50px; margin-bottom: 22px;
  letter-spacing: .06em; text-transform: uppercase;
}
.hero h1 {
  font-family: var(--font-serif); color: var(--white);
  font-size: clamp(2rem, 4.5vw, 3.4rem); line-height: 1.13;
  margin-bottom: 20px; font-weight: 900;
}
.hero h1 em { color: var(--gold); font-style: normal; }
.hero > .container > .hero-grid > .hero-content > p {
  color: rgba(255,255,255,.75); font-size: 1.05rem; margin-bottom: 32px; max-width: 480px;
}
.hero-desc { color: rgba(255,255,255,.75); font-size: 1.05rem; margin-bottom: 32px; max-width: 480px; }
.hero-btns { display: flex; gap: 12px; flex-wrap: wrap; }

.hero-stats { display: flex; gap: 28px; margin-top: 44px; flex-wrap: wrap; }
.hero-stat .num { font-family: var(--font-serif); font-size: 2rem; color: var(--gold); font-weight: 700; line-height: 1; }
.hero-stat .lbl { font-size: .76rem; color: rgba(255,255,255,.5); letter-spacing: .05em; margin-top: 2px; }

/* Hero image */
.hero-visual { position: relative; }
.hero-img-wrap {
  border-radius: var(--radius-lg); overflow: hidden;
  box-shadow: 0 24px 64px rgba(0,0,0,.4);
  border: 1px solid rgba(255,255,255,.08);
  position: relative;
}
.hero-img-wrap img { width: 100%; height: 440px; object-fit: cover; display: block; }
.hero-img-overlay {
  position: absolute; inset: 0;
  background: linear-gradient(to top, rgba(10,35,66,.7) 0%, transparent 60%);
}
.hero-img-badge {
  position: absolute; bottom: 24px; left: 24px; right: 24px;
  background: rgba(255,255,255,.1); backdrop-filter: blur(16px);
  border: 1px solid rgba(255,255,255,.15); border-radius: var(--radius);
  padding: 16px 20px; display: flex; gap: 16px; flex-wrap: wrap;
}
.hero-stat-pill { text-align: center; flex: 1; min-width: 80px; }
.hero-stat-pill .mn { font-family: var(--font-serif); color: var(--gold); font-size: 1.3rem; font-weight: 700; }
.hero-stat-pill .ml { color: rgba(255,255,255,.6); font-size: .72rem; }
.float-badge {
  position: absolute; top: -14px; right: 20px;
  background: var(--gold); color: var(--navy);
  padding: 7px 16px; border-radius: 50px; font-size: .8rem; font-weight: 700;
  box-shadow: 0 4px 16px rgba(200,150,62,.5); white-space: nowrap;
}

/* ---------- TRUST BAR ---------- */
.trust-bar { background: var(--white); border-bottom: 1px solid var(--gray-200); padding: 16px 0; }
.trust-inner { display: flex; align-items: center; justify-content: center; gap: 32px; flex-wrap: wrap; }
.trust-item { display: flex; align-items: center; gap: 9px; color: var(--text-light); font-size: .85rem; font-weight: 500; white-space: nowrap; }
.trust-item i { color: var(--gold); font-size: 1.1rem; }

/* ---------- PAGE HERO ---------- */
.page-hero {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  padding: 80px 0 64px; text-align: center; position: relative; overflow: hidden;
}
.page-hero::before {
  content: ''; position: absolute; inset: 0; pointer-events: none;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='%23C8963E' fill-opacity='0.04'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/svg%3E");
}
.page-hero .container { position: relative; }
.breadcrumb { display: flex; align-items: center; justify-content: center; gap: 8px; color: rgba(255,255,255,.45); font-size: .82rem; margin-bottom: 14px; }
.breadcrumb a { color: var(--gold-light); }
.breadcrumb i { font-size: .6rem; }
.page-hero h1 { font-family: var(--font-serif); color: var(--white); font-size: clamp(1.9rem, 4vw, 3rem); font-weight: 900; }
.page-hero h1 em { color: var(--gold); font-style: normal; }
.page-hero p { color: rgba(255,255,255,.68); margin-top: 12px; max-width: 540px; margin-left: auto; margin-right: auto; font-size: 1rem; }

/* ---------- ABOUT GRID ---------- */
.about-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: center; }
.about-img-wrap { position: relative; }
.about-img-wrap img { width: 100%; height: 480px; border-radius: var(--radius-lg); object-fit: cover; box-shadow: var(--shadow-lg); }
.about-badge-float {
  position: absolute; bottom: -22px; left: -22px;
  background: var(--gold); color: var(--navy);
  border-radius: var(--radius); padding: 20px 26px;
  box-shadow: var(--shadow-lg); text-align: center;
}
.about-badge-float .nb { font-family: var(--font-serif); font-size: 2rem; font-weight: 900; line-height: 1; }
.about-badge-float .nt { font-size: .74rem; font-weight: 600; }

.about-perks { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; margin-top: 28px; }
.perk-item { display: flex; align-items: flex-start; gap: 12px; }
.perk-icon { width: 40px; height: 40px; border-radius: 10px; background: var(--gold-pale); display: flex; align-items: center; justify-content: center; color: var(--gold); flex-shrink: 0; font-size: 1rem; }
.perk-item h5 { font-size: .9rem; font-weight: 600; color: var(--navy); margin-bottom: 2px; }
.perk-item p { font-size: .8rem; color: var(--text-light); line-height: 1.5; }

/* ---------- SERVICES GRID ---------- */
.services-bg { background: var(--gray-50); }
.services-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; margin-top: 48px; }
.service-card {
  background: var(--white); border-radius: var(--radius-lg); padding: 32px 26px;
  border: 1px solid var(--gray-200); transition: var(--trans); position: relative; overflow: hidden;
}
.service-card::before {
  content: ''; position: absolute; top: 0; left: 0; right: 0; height: 3px;
  background: var(--gold); transform: scaleX(0); transform-origin: left; transition: var(--trans);
}
.service-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-lg); border-color: transparent; }
.service-card:hover::before { transform: scaleX(1); }
.service-icon { width: 60px; height: 60px; border-radius: var(--radius); background: var(--gold-pale); display: flex; align-items: center; justify-content: center; font-size: 1.5rem; color: var(--gold); margin-bottom: 18px; }
.service-card h3 { font-family: var(--font-serif); font-size: 1.15rem; color: var(--navy); margin-bottom: 8px; }
.service-card p { color: var(--text-light); font-size: .88rem; line-height: 1.65; margin-bottom: 18px; }
.service-rate { display: flex; justify-content: space-between; align-items: center; padding: 12px 0; border-top: 1px solid var(--gray-100); font-size: .82rem; }
.service-rate span { color: var(--text-light); }
.service-rate strong { color: var(--navy); }
.service-link { color: var(--gold); font-weight: 600; font-size: .85rem; display: inline-flex; align-items: center; gap: 6px; margin-top: 10px; }
.service-link:hover { gap: 10px; }

/* ---------- STEPS ---------- */
.steps-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; margin-top: 56px; }
.step-card { text-align: center; padding: 0 12px; }
.step-num { width: 70px; height: 70px; border-radius: 50%; background: var(--navy); color: var(--gold); font-family: var(--font-serif); font-size: 1.5rem; font-weight: 700; display: flex; align-items: center; justify-content: center; margin: 0 auto 18px; border: 3px solid rgba(200,150,62,.25); }
.step-card h4 { font-family: var(--font-serif); color: var(--navy); font-size: 1.05rem; margin-bottom: 8px; }
.step-card p { color: var(--text-light); font-size: .86rem; line-height: 1.6; }

/* ---------- STATS BAND ---------- */
.stats-band { background: var(--navy); padding: 64px 0; }
.stats-inner { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; }
.stat-block { text-align: center; padding: 16px; }
.stat-block .sn { font-family: var(--font-serif); font-size: clamp(2rem, 3.5vw, 2.8rem); color: var(--gold); font-weight: 900; line-height: 1; }
.stat-block .sl { color: rgba(255,255,255,.55); font-size: .84rem; margin-top: 6px; }

/* ---------- TESTIMONIALS ---------- */
.testimonials-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; margin-top: 48px; }
.testimonial-card {
  background: var(--white); border-radius: var(--radius-lg); padding: 30px;
  border: 1px solid var(--gray-200); position: relative;
}
.testimonial-card::before {
  content: '\201C'; font-family: var(--font-serif); font-size: 4.5rem; color: var(--gold-pale);
  position: absolute; top: 8px; left: 22px; line-height: 1; pointer-events: none;
}
.testimonial-stars { color: var(--gold); font-size: .82rem; margin-bottom: 14px; }
.testimonial-card p { color: var(--text-light); font-style: italic; line-height: 1.75; margin-bottom: 22px; font-size: .92rem; }
.testimonial-author { display: flex; align-items: center; gap: 12px; }
.author-avatar { width: 46px; height: 46px; border-radius: 50%; background: var(--gold-pale); display: flex; align-items: center; justify-content: center; font-size: 1.1rem; font-weight: 700; color: var(--gold); font-family: var(--font-serif); flex-shrink: 0; overflow: hidden; }
.author-avatar img { width: 100%; height: 100%; object-fit: cover; }
.author-info h5 { font-weight: 600; color: var(--navy); font-size: .9rem; }
.author-info span { font-size: .78rem; color: var(--text-light); }

/* ---------- CTA BAND ---------- */
.cta-band { background: linear-gradient(135deg, var(--gold) 0%, #b07a28 100%); padding: 72px 0; }
.cta-inner { display: flex; align-items: center; justify-content: space-between; gap: 28px; flex-wrap: wrap; }
.cta-band h2 { font-family: var(--font-serif); color: var(--navy); font-size: clamp(1.5rem, 3vw, 2.3rem); font-weight: 900; }
.cta-band p { color: rgba(10,35,66,.72); margin-top: 8px; font-size: .95rem; }

/* ---------- ABOUT PAGE ---------- */
.timeline { position: relative; padding-left: 28px; margin-top: 32px; }
.timeline::before { content: ''; position: absolute; left: 8px; top: 8px; bottom: 0; width: 2px; background: linear-gradient(to bottom, var(--gold), transparent); }
.timeline-item { position: relative; margin-bottom: 32px; }
.timeline-item::before { content: ''; position: absolute; left: -24px; top: 6px; width: 12px; height: 12px; border-radius: 50%; background: var(--gold); border: 3px solid var(--cream); }
.timeline-year { font-size: .76rem; color: var(--gold); font-weight: 700; letter-spacing: .1em; text-transform: uppercase; }
.timeline-item h4 { font-weight: 700; color: var(--navy); margin: 4px 0; font-size: .95rem; }
.timeline-item p { color: var(--text-light); font-size: .87rem; line-height: 1.6; }

.values-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; margin-top: 40px; }
.value-card { background: var(--white); border-radius: var(--radius); padding: 26px; border-left: 4px solid var(--gold); }
.value-card i { font-size: 1.7rem; color: var(--gold); margin-bottom: 12px; }
.value-card h4 { font-family: var(--font-serif); color: var(--navy); margin-bottom: 8px; }
.value-card p { font-size: .86rem; color: var(--text-light); line-height: 1.6; }

.team-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; margin-top: 40px; }
.team-card { text-align: center; }
.team-photo { width: 100px; height: 100px; border-radius: 50%; margin: 0 auto 14px; overflow: hidden; border: 3px solid var(--gold-pale); }
.team-photo img { width: 100%; height: 100%; object-fit: cover; }
.team-card h4 { font-weight: 700; color: var(--navy); font-size: .9rem; }
.team-card .role { font-size: .8rem; color: var(--gold); font-weight: 600; margin: 2px 0; }
.team-card p { font-size: .78rem; color: var(--text-light); }

/* About image grid */
.about-images { display: grid; grid-template-columns: 2fr 1fr; grid-template-rows: 1fr 1fr; gap: 12px; border-radius: var(--radius-lg); overflow: hidden; height: 480px; }
.about-images .img-main { grid-row: 1 / 3; }
.about-images img { width: 100%; height: 100%; object-fit: cover; }

/* ---------- HOW IT WORKS PAGE ---------- */
.hiw-phase { margin-bottom: 64px; }
.hiw-phase-title { font-family: var(--font-serif); color: var(--navy); font-size: 1.45rem; margin-bottom: 28px; padding-bottom: 12px; border-bottom: 2px solid var(--gold-pale); display: flex; align-items: center; gap: 10px; }
.hiw-phase-title i { color: var(--gold); }
.hiw-steps { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 16px; }
.hiw-step { background: var(--white); border-radius: var(--radius); padding: 24px; border: 1px solid var(--gray-200); display: flex; gap: 14px; align-items: flex-start; }
.hiw-step-num { width: 44px; height: 44px; border-radius: 10px; background: var(--navy); color: var(--gold); font-family: var(--font-serif); font-size: 1.2rem; font-weight: 700; display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.hiw-step h4 { font-weight: 700; color: var(--navy); font-size: .9rem; margin-bottom: 5px; }
.hiw-step p { font-size: .83rem; color: var(--text-light); line-height: 1.6; }

.faq-item { border: 1px solid var(--gray-200); border-radius: var(--radius); margin-bottom: 10px; overflow: hidden; }
.faq-q { padding: 18px 22px; cursor: pointer; display: flex; justify-content: space-between; align-items: center; font-weight: 600; color: var(--navy); background: var(--white); transition: var(--trans); font-size: .92rem; gap: 12px; }
.faq-q:hover { background: var(--gray-50); }
.faq-q i { color: var(--gold); transition: var(--trans); flex-shrink: 0; }
.faq-q.open i { transform: rotate(45deg); }
.faq-a { padding: 0 22px; max-height: 0; overflow: hidden; transition: max-height .4s ease, padding .3s; color: var(--text-light); font-size: .88rem; line-height: 1.75; }
.faq-a.open { max-height: 300px; padding: 14px 22px 20px; }

/* ---------- LOAN SERVICES PAGE ---------- */
.loan-page-grid { display: grid; grid-template-columns: 1fr 340px; gap: 36px; align-items: start; }
.loan-detail-card { background: var(--white); border-radius: var(--radius-lg); padding: 32px; border: 1px solid var(--gray-200); box-shadow: var(--shadow); margin-bottom: 20px; }
.loan-detail-card h3 { font-family: var(--font-serif); color: var(--navy); margin-bottom: 6px; font-size: 1.2rem; }
.loan-tags { display: flex; gap: 8px; flex-wrap: wrap; margin: 12px 0; }
.tag { background: var(--gold-pale); color: var(--gold); font-size: .72rem; font-weight: 700; padding: 4px 12px; border-radius: 50px; }
.loan-meta { display: grid; grid-template-columns: repeat(3, 1fr); gap: 12px; margin-top: 16px; }
.loan-meta-item { background: var(--gray-50); border-radius: 10px; padding: 12px; text-align: center; }
.loan-meta-item .lmn { font-family: var(--font-serif); font-size: 1.15rem; color: var(--navy); font-weight: 700; line-height: 1.2; }
.loan-meta-item .lml { font-size: .72rem; color: var(--text-light); margin-top: 3px; }

/* Loan advantages list */
.loan-advantages { display: grid; grid-template-columns: 1fr 1fr; gap: 8px; margin-top: 16px; }
.loan-adv-item { display: flex; align-items: flex-start; gap: 8px; font-size: .84rem; color: var(--text-light); }
.loan-adv-item i { color: var(--gold); font-size: .72rem; margin-top: 4px; flex-shrink: 0; }

/* Calculator */
.calc-box { background: var(--navy); border-radius: var(--radius-lg); padding: 36px; color: white; position: sticky; top: 90px; }
.calc-box h3 { font-family: var(--font-serif); color: var(--gold); margin-bottom: 24px; font-size: 1.2rem; }
.calc-field { margin-bottom: 20px; }
.calc-field label { display: flex; justify-content: space-between; font-size: .83rem; color: rgba(255,255,255,.65); margin-bottom: 8px; font-weight: 500; }
.calc-val { color: var(--gold); font-weight: 700; }
.calc-field input[type="range"] { width: 100%; accent-color: var(--gold); cursor: pointer; height: 4px; }
.calc-result { background: rgba(200,150,62,.10); border: 1px solid rgba(200,150,62,.2); border-radius: var(--radius); padding: 18px; margin-top: 18px; }
.calc-result-row { display: flex; justify-content: space-between; margin-bottom: 10px; font-size: .88rem; }
.calc-result-row span { color: rgba(255,255,255,.6); }
.calc-result-row strong { color: var(--gold); }
.calc-total { display: flex; justify-content: space-between; padding-top: 12px; border-top: 1px solid rgba(200,150,62,.2); }
.calc-total span { color: rgba(255,255,255,.8); font-weight: 600; font-size: .9rem; }
.calc-total strong { font-family: var(--font-serif); color: var(--gold); font-size: 1.15rem; }

/* ---------- LOAN APPLICATION FORM ---------- */
.form-section { background: var(--gray-50); }
.form-wrap { display: grid; grid-template-columns: 1fr 340px; gap: 36px; align-items: start; }
.form-card { background: var(--white); border-radius: var(--radius-lg); padding: 44px; box-shadow: var(--shadow); }
.form-card h2 { font-family: var(--font-serif); color: var(--navy); font-size: 1.6rem; margin-bottom: 6px; }
.form-card > p { color: var(--text-light); font-size: .9rem; margin-bottom: 30px; }

.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.form-group { display: flex; flex-direction: column; gap: 6px; }
.form-group.full { grid-column: 1 / -1; }
.form-group label { font-size: .85rem; font-weight: 600; color: var(--navy); }
.form-group input,
.form-group select,
.form-group textarea {
  padding: 12px 15px; border: 1.5px solid var(--gray-200); border-radius: var(--radius);
  font-family: var(--font-sans); font-size: .92rem; color: var(--text);
  transition: var(--trans); background: var(--white); width: 100%;
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus { outline: none; border-color: var(--gold); box-shadow: 0 0 0 3px rgba(200,150,62,.12); }
.form-group textarea { resize: vertical; min-height: 90px; }
.form-divider { grid-column: 1/-1; border: none; border-top: 1px solid var(--gray-200); margin: 8px 0; }
.form-section-label { grid-column: 1/-1; font-size: .8rem; font-weight: 700; color: var(--gold); text-transform: uppercase; letter-spacing: .1em; }

.checkbox-group { display: flex; align-items: flex-start; gap: 10px; margin-top: 4px; }
.checkbox-group input[type="checkbox"] { margin-top: 3px; accent-color: var(--gold); width: 16px; height: 16px; flex-shrink: 0; cursor: pointer; }
.checkbox-group label { font-size: .84rem; color: var(--text-light); line-height: 1.5; cursor: pointer; }

.form-notice { background: var(--gold-pale); border-left: 4px solid var(--gold); border-radius: 8px; padding: 13px 16px; font-size: .85rem; color: var(--text-light); line-height: 1.6; }
.form-notice i { color: var(--gold); margin-right: 5px; }

/* Sidebar info */
.form-sidebar { display: flex; flex-direction: column; gap: 16px; }
.sidebar-card { background: var(--white); border-radius: var(--radius); padding: 24px; border: 1px solid var(--gray-200); }
.sidebar-card h4 { font-family: var(--font-serif); color: var(--navy); margin-bottom: 14px; font-size: 1rem; }
.sidebar-card ul li { display: flex; align-items: flex-start; gap: 9px; font-size: .84rem; color: var(--text-light); margin-bottom: 10px; line-height: 1.5; }
.sidebar-card ul li i { color: var(--gold); font-size: .75rem; margin-top: 3px; flex-shrink: 0; }
.sidebar-contact { background: var(--navy); color: white; border-color: transparent; }
.sidebar-contact h4 { color: var(--gold); }
.sidebar-contact p { font-size: .84rem; color: rgba(255,255,255,.6); margin-bottom: 16px; line-height: 1.6; }
.sidebar-contact a { color: var(--gold); font-weight: 700; }

/* ---------- THANK YOU ---------- */
.thankyou-section { background: var(--gray-50); padding: 80px 0; min-height: 70vh; display: flex; align-items: center; }
.thankyou-card { background: var(--white); border-radius: var(--radius-lg); padding: 56px 44px; text-align: center; box-shadow: var(--shadow-lg); max-width: 640px; margin: 0 auto; }
.ty-icon { width: 88px; height: 88px; background: #E8F5E9; border-radius: 50%; display: flex; align-items: center; justify-content: center; margin: 0 auto 26px; font-size: 2.4rem; color: var(--success); }
.thankyou-card h1 { font-family: var(--font-serif); color: var(--navy); font-size: clamp(1.6rem, 3vw, 2rem); margin-bottom: 14px; }
.thankyou-card > p { color: var(--text-light); font-size: .95rem; line-height: 1.75; margin-bottom: 10px; }
.ty-ref { display: inline-block; background: var(--gold-pale); color: var(--gold); font-weight: 700; padding: 9px 22px; border-radius: 50px; font-size: .88rem; margin: 16px 0 28px; }
.ty-steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 14px; margin: 28px 0; text-align: left; }
.ty-step { background: var(--gray-50); border-radius: 10px; padding: 16px; }
.ty-step-num { width: 28px; height: 28px; background: var(--navy); color: var(--gold); border-radius: 50%; display: flex; align-items: center; justify-content: center; font-size: .8rem; font-weight: 700; margin-bottom: 10px; }
.ty-step h5 { font-size: .85rem; font-weight: 700; color: var(--navy); margin-bottom: 4px; }
.ty-step p { font-size: .78rem; color: var(--text-light); line-height: 1.5; }
.ty-actions { display: flex; gap: 12px; justify-content: center; flex-wrap: wrap; margin-top: 28px; }

/* ---------- FOOTER ---------- */
.footer { background: var(--navy); }
.footer-top { padding: 68px 0 44px; }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1.4fr; gap: 36px; }
.footer-desc { color: rgba(255,255,255,.5); font-size: .86rem; line-height: 1.75; margin-top: 14px; max-width: 280px; }
.footer-socials { display: flex; gap: 9px; margin-top: 18px; }
.footer-socials a { width: 36px; height: 36px; border-radius: 8px; background: rgba(255,255,255,.07); display: flex; align-items: center; justify-content: center; color: rgba(255,255,255,.55); font-size: .88rem; transition: var(--trans); }
.footer-socials a:hover { background: var(--gold); color: var(--navy); }
.footer-title { color: var(--gold); font-size: .76rem; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; margin-bottom: 18px; }
.footer-col ul li { margin-bottom: 10px; }
.footer-col ul li a { color: rgba(255,255,255,.5); font-size: .86rem; transition: var(--trans); }
.footer-col ul li a:hover { color: var(--gold); }
.footer-contact li { display: flex; align-items: flex-start; gap: 10px; color: rgba(255,255,255,.5); font-size: .85rem; margin-bottom: 12px; line-height: 1.55; }
.footer-contact li i { color: var(--gold); width: 13px; flex-shrink: 0; margin-top: 3px; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.07); padding: 18px 0; }
.footer-bottom-inner { display: flex; align-items: center; justify-content: space-between; flex-wrap: wrap; gap: 10px; }
.footer-bottom p { color: rgba(255,255,255,.35); font-size: .8rem; }
.footer-bottom-links { display: flex; gap: 18px; }
.footer-bottom-links a { color: rgba(255,255,255,.35); font-size: .8rem; transition: var(--trans); }
.footer-bottom-links a:hover { color: var(--gold); }

/* ---------- ANIMATIONS ---------- */
@keyframes fadeUp { from { opacity:0; transform:translateY(24px); } to { opacity:1; transform:none; } }
.anim { opacity: 0; }
.anim.visible { animation: fadeUp .6s ease forwards; }

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

/* Large tablets / small desktops */
@media (max-width: 1100px) {
  .services-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 32px; }
  .loan-page-grid { grid-template-columns: 1fr; }
  .calc-box { position: static; }
  .form-wrap { grid-template-columns: 1fr; }
  .form-sidebar { display: grid; grid-template-columns: 1fr 1fr; }
  .team-grid { grid-template-columns: repeat(2, 1fr); }
  .values-grid { grid-template-columns: repeat(2, 1fr); }
}

/* Tablets */
@media (max-width: 900px) {
  .topbar { display: none; }
  .hero-grid { grid-template-columns: 1fr; padding: 72px 0 56px; }
  .hero-visual { display: none; }
  .about-grid { grid-template-columns: 1fr; gap: 32px; }
  .about-badge-float { position: static; display: inline-block; margin-top: 16px; }
  .about-img-wrap img { height: 320px; }
  .about-images { height: 280px; grid-template-columns: 1fr; grid-template-rows: 1fr; }
  .about-images .img-top, .about-images .img-bot { display: none; }
  .steps-grid { grid-template-columns: repeat(2, 1fr); }
  .stats-inner { grid-template-columns: repeat(2, 1fr); }
  .testimonials-grid { grid-template-columns: 1fr; }
  .cta-inner { text-align: center; justify-content: center; flex-direction: column; }
  .about-grid.two-col { grid-template-columns: 1fr; }
  /* Navbar mobile */
  .nav-links {
    display: none; position: fixed; top: 70px; left: 0; right: 0; bottom: 0;
    background: rgba(10,35,66,.98); flex-direction: column; padding: 24px 20px;
    gap: 6px; z-index: 999; overflow-y: auto;
  }
  .nav-links.open { display: flex; }
  .nav-link { padding: 13px 16px; font-size: 1rem; }
  .nav-cta { margin-left: 0; text-align: center; justify-content: center; margin-top: 8px; padding: 14px 20px; }
  .burger { display: flex; }
}

/* Mobile */
@media (max-width: 600px) {
  .container { padding: 0 16px; }
  .section-pad { padding: 56px 0; }
  .hero-grid { padding: 60px 0 44px; }
  .hero-btns { flex-direction: column; }
  .btn-primary, .btn-outline, .btn-navy { justify-content: center; width: 100%; }
  .hero-stats { gap: 20px; }
  .about-perks { grid-template-columns: 1fr; }
  .services-grid { grid-template-columns: 1fr; }
  .steps-grid { grid-template-columns: 1fr; }
  .stats-inner { grid-template-columns: repeat(2, 1fr); }
  .values-grid { grid-template-columns: 1fr; }
  .team-grid { grid-template-columns: repeat(2, 1fr); }
  .loan-meta { grid-template-columns: 1fr 1fr; }
  .loan-advantages { grid-template-columns: 1fr; }
  .form-card { padding: 28px 20px; }
  .form-grid { grid-template-columns: 1fr; }
  .form-group.full { grid-column: auto; }
  .form-sidebar { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .footer-bottom-inner { flex-direction: column; text-align: center; }
  .footer-bottom-links { justify-content: center; }
  .ty-steps { grid-template-columns: 1fr; }
  .thankyou-card { padding: 36px 20px; }
  .ty-actions { flex-direction: column; }
  .ty-actions .btn-primary, .ty-actions .btn-outline { width: 100%; justify-content: center; }
  .page-hero { padding: 56px 0 48px; }
  .trust-inner { gap: 16px; }
  .trust-item { font-size: .78rem; }
  .hiw-steps { grid-template-columns: 1fr; }
}