/* ==========================================
   MERZ FINANCIAL - Main Stylesheet
   ========================================== */

/* --- Google Fonts Import --- */
@import url('https://fonts.googleapis.com/css2?family=Poppins:wght@300;400;500;600;700;800&family=Playfair+Display:wght@700;800&display=swap');

/* --- CSS Variables --- */
:root {
  --primary: #1a3c6e;
  --primary-dark: #0f2548;
  --primary-light: #2a5298;
  --accent: #c8a84b;
  --accent-dark: #a8882e;
  --accent-light: #e8c96b;
  --white: #ffffff;
  --light-bg: #f4f7fc;
  --light-gray: #e8edf5;
  --text-dark: #1a1a2e;
  --text-mid: #4a5568;
  --text-light: #718096;
  --success: #28a745;
  --gradient-primary: linear-gradient(135deg, #1a3c6e 0%, #2a5298 100%);
  --gradient-accent: linear-gradient(135deg, #c8a84b 0%, #e8c96b 100%);
  --gradient-dark: linear-gradient(135deg, #0f2548 0%, #1a3c6e 100%);
  --shadow-sm: 0 2px 10px rgba(26, 60, 110, 0.08);
  --shadow-md: 0 8px 30px rgba(26, 60, 110, 0.15);
  --shadow-lg: 0 20px 60px rgba(26, 60, 110, 0.2);
  --border-radius: 12px;
  --border-radius-lg: 20px;
  --transition: all 0.3s ease;
}

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

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

body {
  font-family: 'Poppins', sans-serif;
  color: var(--text-dark);
  background-color: var(--white);
  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;
  display: block;
}

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

/* --- Utility Classes --- */
.section-tag {
  display: inline-block;
  background: rgba(200, 168, 75, 0.15);
  color: var(--accent);
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 2px;
  text-transform: uppercase;
  padding: 6px 16px;
  border-radius: 30px;
  margin-bottom: 16px;
  border: 1px solid rgba(200, 168, 75, 0.3);
}

.section-title {
  font-family: 'Playfair Display', serif;
  font-size: clamp(2rem, 4vw, 2.8rem);
  color: var(--primary);
  line-height: 1.2;
  margin-bottom: 16px;
}

.section-subtitle {
  font-size: 1rem;
  color: var(--text-mid);
  max-width: 600px;
  margin-bottom: 48px;
  line-height: 1.8;
}

.btn-primary {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: var(--gradient-accent);
  color: var(--primary-dark);
  font-weight: 700;
  font-size: 0.95rem;
  padding: 14px 32px;
  border-radius: 50px;
  border: none;
  cursor: pointer;
  transition: var(--transition);
  box-shadow: 0 4px 20px rgba(200, 168, 75, 0.4);
  letter-spacing: 0.5px;
}

.btn-primary:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 30px rgba(200, 168, 75, 0.5);
}

.btn-secondary {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: transparent;
  color: var(--white);
  font-weight: 600;
  font-size: 0.95rem;
  padding: 13px 32px;
  border-radius: 50px;
  border: 2px solid rgba(255, 255, 255, 0.5);
  cursor: pointer;
  transition: var(--transition);
}

.btn-secondary:hover {
  background: rgba(255, 255, 255, 0.1);
  border-color: var(--white);
}

.btn-outline {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: transparent;
  color: var(--primary);
  font-weight: 600;
  font-size: 0.95rem;
  padding: 13px 32px;
  border-radius: 50px;
  border: 2px solid var(--primary);
  cursor: pointer;
  transition: var(--transition);
}

.btn-outline:hover {
  background: var(--primary);
  color: var(--white);
}

/* ==========================================
   HEADER / NAVIGATION
   ========================================== */
.header {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  background: rgba(255, 255, 255, 0.95);
  backdrop-filter: blur(20px);
  border-bottom: 1px solid rgba(26, 60, 110, 0.1);
  transition: var(--transition);
}

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

.nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 18px 0;
}

.logo {
  display: flex;
  align-items: center;
  gap: 12px;
}

.logo-icon {
  width: 42px;
  height: 42px;
  background: var(--gradient-primary);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.2rem;
  font-weight: 800;
  color: var(--accent);
  box-shadow: 0 4px 15px rgba(26, 60, 110, 0.3);
}

.logo-text {
  display: flex;
  flex-direction: column;
}

.logo-name {
  font-family: 'Playfair Display', serif;
  font-size: 1.3rem;
  font-weight: 800;
  color: var(--primary);
  line-height: 1;
}

.logo-tagline {
  font-size: 0.65rem;
  color: var(--accent);
  font-weight: 600;
  letter-spacing: 1.5px;
  text-transform: uppercase;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 36px;
}

.nav-links a {
  font-size: 0.9rem;
  font-weight: 500;
  color: var(--text-mid);
  position: relative;
}

.nav-links a::after {
  content: '';
  position: absolute;
  bottom: -4px;
  left: 0;
  width: 0;
  height: 2px;
  background: var(--accent);
  transition: var(--transition);
}

.nav-links a:hover,
.nav-links a.active {
  color: var(--primary);
}

.nav-links a:hover::after,
.nav-links a.active::after {
  width: 100%;
}

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

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

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

/* ==========================================
   HERO SECTION
   ========================================== */
.hero {
  min-height: 100vh;
  background: var(--gradient-dark);
  position: relative;
  display: flex;
  align-items: center;
  overflow: hidden;
  padding-top: 80px;
}

.hero::before {
  content: '';
  position: absolute;
  top: -20%;
  right: -10%;
  width: 600px;
  height: 600px;
  background: radial-gradient(circle, rgba(200, 168, 75, 0.1) 0%, transparent 70%);
  border-radius: 50%;
}

.hero::after {
  content: '';
  position: absolute;
  bottom: -20%;
  left: -10%;
  width: 500px;
  height: 500px;
  background: radial-gradient(circle, rgba(42, 82, 152, 0.3) 0%, transparent 70%);
  border-radius: 50%;
}

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

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(200, 168, 75, 0.15);
  border: 1px solid rgba(200, 168, 75, 0.3);
  color: var(--accent-light);
  font-size: 0.8rem;
  font-weight: 600;
  padding: 8px 18px;
  border-radius: 30px;
  margin-bottom: 24px;
}

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

@keyframes pulse {
  0%, 100% { opacity: 1; transform: scale(1); }
  50% { opacity: 0.5; transform: scale(1.2); }
}

.hero-title {
  font-family: 'Playfair Display', serif;
  font-size: clamp(2.5rem, 5vw, 3.8rem);
  color: var(--white);
  line-height: 1.15;
  margin-bottom: 24px;
}

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

.hero-description {
  font-size: 1.05rem;
  color: rgba(255, 255, 255, 0.75);
  line-height: 1.8;
  margin-bottom: 40px;
  max-width: 500px;
}

.hero-actions {
  display: flex;
  align-items: center;
  gap: 20px;
  flex-wrap: wrap;
  margin-bottom: 56px;
}

.hero-stats {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  padding-top: 40px;
}

.hero-stat {
  text-align: center;
}

.hero-stat-number {
  font-family: 'Playfair Display', serif;
  font-size: 2rem;
  color: var(--accent);
  font-weight: 800;
  line-height: 1;
}

.hero-stat-label {
  font-size: 0.8rem;
  color: rgba(255, 255, 255, 0.6);
  margin-top: 4px;
}

/* Hero Card / Visual */
.hero-visual {
  position: relative;
}

.hero-card {
  background: rgba(255, 255, 255, 0.06);
  backdrop-filter: blur(20px);
  border: 1px solid rgba(255, 255, 255, 0.12);
  border-radius: var(--border-radius-lg);
  padding: 36px;
  position: relative;
}

.calculator-title {
  font-size: 1rem;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 24px;
  display: flex;
  align-items: center;
  gap: 10px;
}

.calculator-title svg {
  color: var(--accent);
}

.calc-field {
  margin-bottom: 20px;
}

.calc-field label {
  display: block;
  font-size: 0.8rem;
  color: rgba(255, 255, 255, 0.6);
  margin-bottom: 8px;
  font-weight: 500;
  letter-spacing: 0.5px;
}

.calc-input-wrap {
  position: relative;
}

.calc-input-wrap span {
  position: absolute;
  left: 14px;
  top: 50%;
  transform: translateY(-50%);
  color: var(--accent);
  font-weight: 700;
}

.calc-input-wrap input,
.calc-input-wrap select {
  width: 100%;
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.15);
  border-radius: 8px;
  padding: 12px 14px 12px 36px;
  color: var(--white);
  font-size: 1rem;
  font-family: 'Poppins', sans-serif;
  font-weight: 600;
  outline: none;
  transition: var(--transition);
}

.calc-input-wrap select {
  padding-left: 14px;
}

.calc-input-wrap input:focus,
.calc-input-wrap select:focus {
  border-color: var(--accent);
  background: rgba(255, 255, 255, 0.12);
}

.calc-input-wrap select option {
  background: var(--primary-dark);
  color: var(--white);
}

.calc-result {
  background: var(--gradient-accent);
  border-radius: 10px;
  padding: 20px;
  text-align: center;
  margin-top: 20px;
}

.calc-result-label {
  font-size: 0.75rem;
  color: rgba(15, 37, 72, 0.7);
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 1px;
}

.calc-result-amount {
  font-family: 'Playfair Display', serif;
  font-size: 2rem;
  font-weight: 800;
  color: var(--primary-dark);
  margin: 4px 0;
}

.calc-result-note {
  font-size: 0.75rem;
  color: rgba(15, 37, 72, 0.6);
}

.hero-floating-badge {
  position: absolute;
  background: var(--white);
  border-radius: 12px;
  padding: 14px 18px;
  box-shadow: var(--shadow-lg);
  display: flex;
  align-items: center;
  gap: 12px;
}

.hero-floating-badge.badge-1 {
  top: -20px;
  right: -20px;
}

.hero-floating-badge.badge-2 {
  bottom: -20px;
  left: -20px;
}

.badge-icon {
  width: 36px;
  height: 36px;
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1rem;
}

.badge-icon.green { background: rgba(40, 167, 69, 0.15); color: var(--success); }
.badge-icon.blue { background: rgba(26, 60, 110, 0.12); color: var(--primary); }

.badge-text strong {
  display: block;
  font-size: 0.85rem;
  color: var(--text-dark);
  font-weight: 700;
}

.badge-text span {
  font-size: 0.72rem;
  color: var(--text-light);
}

/* ==========================================
   TRUST BAR
   ========================================== */
.trust-bar {
  background: var(--light-bg);
  border-bottom: 1px solid var(--light-gray);
  padding: 24px 0;
}

.trust-bar-inner {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 48px;
  flex-wrap: wrap;
}

.trust-item {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 0.85rem;
  color: var(--text-mid);
  font-weight: 500;
}

.trust-icon {
  width: 32px;
  height: 32px;
  background: var(--gradient-primary);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--accent);
  font-size: 0.9rem;
}

/* ==========================================
   SERVICES SECTION
   ========================================== */
.services {
  padding: 100px 0;
  background: var(--white);
}

.services-header {
  text-align: center;
  margin-bottom: 64px;
}

.services-header .section-subtitle {
  margin: 0 auto 48px;
}

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

.service-card {
  background: var(--white);
  border: 1px solid var(--light-gray);
  border-radius: var(--border-radius-lg);
  padding: 36px 28px;
  position: relative;
  overflow: hidden;
  transition: var(--transition);
  cursor: pointer;
}

.service-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 4px;
  background: var(--gradient-accent);
  transform: scaleX(0);
  transition: var(--transition);
}

.service-card:hover {
  transform: translateY(-8px);
  box-shadow: var(--shadow-lg);
  border-color: transparent;
}

.service-card:hover::before {
  transform: scaleX(1);
}

.service-card.featured {
  background: var(--gradient-primary);
  border-color: transparent;
  color: var(--white);
}

.service-card.featured::before {
  transform: scaleX(1);
}

.service-icon {
  width: 56px;
  height: 56px;
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  margin-bottom: 24px;
  background: rgba(26, 60, 110, 0.08);
  color: var(--primary);
}

.service-card.featured .service-icon {
  background: rgba(200, 168, 75, 0.2);
  color: var(--accent);
}

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

.service-card.featured .service-name {
  color: var(--white);
}

.service-desc {
  font-size: 0.88rem;
  color: var(--text-mid);
  line-height: 1.7;
  margin-bottom: 20px;
}

.service-card.featured .service-desc {
  color: rgba(255, 255, 255, 0.75);
}

.service-rate {
  display: flex;
  align-items: baseline;
  gap: 4px;
  margin-bottom: 20px;
}

.service-rate .rate {
  font-family: 'Playfair Display', serif;
  font-size: 1.8rem;
  font-weight: 800;
  color: var(--primary);
}

.service-card.featured .service-rate .rate {
  color: var(--accent);
}

.service-rate .rate-label {
  font-size: 0.8rem;
  color: var(--text-light);
}

.service-card.featured .service-rate .rate-label {
  color: rgba(255, 255, 255, 0.6);
}

.service-features {
  display: flex;
  flex-direction: column;
  gap: 10px;
  margin-bottom: 28px;
}

.service-feature {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 0.85rem;
  color: var(--text-mid);
}

.service-card.featured .service-feature {
  color: rgba(255, 255, 255, 0.85);
}

.service-feature svg {
  color: var(--success);
  flex-shrink: 0;
}

.service-card.featured .service-feature svg {
  color: var(--accent);
}

.service-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--primary);
  transition: var(--transition);
}

.service-card.featured .service-link {
  color: var(--accent);
}

.service-link:hover {
  gap: 10px;
}

/* ==========================================
   HOW IT WORKS
   ========================================== */
.how-it-works {
  padding: 100px 0;
  background: var(--light-bg);
  position: relative;
  overflow: hidden;
}

.how-it-works::before {
  content: '';
  position: absolute;
  top: 50%;
  left: 50%;
  transform: translate(-50%, -50%);
  width: 600px;
  height: 600px;
  background: radial-gradient(circle, rgba(26, 60, 110, 0.04) 0%, transparent 70%);
  border-radius: 50%;
}

.how-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
}

.how-steps {
  display: flex;
  flex-direction: column;
  gap: 32px;
  position: relative;
}

.how-steps::before {
  content: '';
  position: absolute;
  left: 24px;
  top: 48px;
  bottom: 48px;
  width: 2px;
  background: linear-gradient(to bottom, var(--accent), transparent);
  z-index: 0;
}

.how-step {
  display: flex;
  gap: 20px;
  position: relative;
  z-index: 1;
}

.step-number {
  width: 50px;
  height: 50px;
  border-radius: 50%;
  background: var(--gradient-primary);
  color: var(--accent);
  font-weight: 800;
  font-size: 1rem;
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
  box-shadow: 0 4px 20px rgba(26, 60, 110, 0.3);
}

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

.step-content p {
  font-size: 0.88rem;
  color: var(--text-mid);
  line-height: 1.7;
}

.how-image {
  position: relative;
}

.how-image-main {
  background: var(--gradient-primary);
  border-radius: var(--border-radius-lg);
  padding: 48px;
  text-align: center;
  position: relative;
  overflow: hidden;
}

.how-image-main::before {
  content: '';
  position: absolute;
  top: -30%;
  right: -30%;
  width: 300px;
  height: 300px;
  background: radial-gradient(circle, rgba(200, 168, 75, 0.2) 0%, transparent 70%);
  border-radius: 50%;
}

.how-image-main h3 {
  font-family: 'Playfair Display', serif;
  font-size: 1.8rem;
  color: var(--white);
  margin-bottom: 12px;
}

.how-image-main p {
  color: rgba(255, 255, 255, 0.7);
  font-size: 0.9rem;
  margin-bottom: 32px;
}

.approval-stats {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}

.approval-stat {
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.12);
  border-radius: 12px;
  padding: 20px;
  text-align: center;
}

.approval-stat-number {
  font-family: 'Playfair Display', serif;
  font-size: 1.8rem;
  color: var(--accent);
  font-weight: 800;
}

.approval-stat-label {
  font-size: 0.75rem;
  color: rgba(255, 255, 255, 0.6);
  margin-top: 4px;
}

/* ==========================================
   WHY CHOOSE US
   ========================================== */
.why-us {
  padding: 100px 0;
  background: var(--white);
}

.why-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
}

.why-image-block {
  position: relative;
}

.why-main-card {
  background: var(--gradient-dark);
  border-radius: var(--border-radius-lg);
  padding: 48px;
  position: relative;
  overflow: hidden;
}

.why-main-card::before {
  content: '';
  position: absolute;
  top: -50%;
  left: -50%;
  width: 200%;
  height: 200%;
  background: repeating-linear-gradient(
    45deg,
    transparent,
    transparent 30px,
    rgba(255, 255, 255, 0.01) 30px,
    rgba(255, 255, 255, 0.01) 60px
  );
}

.why-main-card h3 {
  font-family: 'Playfair Display', serif;
  font-size: 2rem;
  color: var(--white);
  margin-bottom: 16px;
  position: relative;
}

.why-main-card p {
  color: rgba(255, 255, 255, 0.7);
  margin-bottom: 32px;
  line-height: 1.7;
  position: relative;
}

.why-cert-list {
  display: flex;
  flex-direction: column;
  gap: 16px;
  position: relative;
}

.why-cert {
  display: flex;
  align-items: center;
  gap: 14px;
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid rgba(255, 255, 255, 0.1);
  border-radius: 10px;
  padding: 14px 18px;
}

.cert-icon {
  width: 36px;
  height: 36px;
  background: rgba(200, 168, 75, 0.2);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--accent);
  font-size: 1rem;
  flex-shrink: 0;
}

.cert-text strong {
  display: block;
  font-size: 0.85rem;
  color: var(--white);
  font-weight: 600;
}

.cert-text span {
  font-size: 0.75rem;
  color: rgba(255, 255, 255, 0.5);
}

.floating-card {
  position: absolute;
  background: var(--white);
  border-radius: 14px;
  padding: 18px 22px;
  box-shadow: var(--shadow-lg);
  display: flex;
  align-items: center;
  gap: 14px;
}

.floating-card.top-right {
  top: -24px;
  right: -24px;
}

.floating-card.bottom-left {
  bottom: -24px;
  left: -24px;
}

.floating-card-icon {
  width: 42px;
  height: 42px;
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.2rem;
}

.floating-card-icon.gold { background: rgba(200, 168, 75, 0.15); color: var(--accent); }
.floating-card-icon.green { background: rgba(40, 167, 69, 0.12); color: var(--success); }

.floating-card-info strong {
  display: block;
  font-size: 0.9rem;
  color: var(--text-dark);
  font-weight: 700;
}

.floating-card-info span {
  font-size: 0.75rem;
  color: var(--text-light);
}

.why-features {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
}

.why-feature {
  background: var(--light-bg);
  border-radius: var(--border-radius);
  padding: 24px;
  transition: var(--transition);
}

.why-feature:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
  background: var(--white);
}

.why-feature-icon {
  width: 48px;
  height: 48px;
  background: var(--gradient-primary);
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--accent);
  font-size: 1.2rem;
  margin-bottom: 16px;
}

.why-feature h4 {
  font-size: 0.95rem;
  font-weight: 700;
  color: var(--primary);
  margin-bottom: 8px;
}

.why-feature p {
  font-size: 0.82rem;
  color: var(--text-mid);
  line-height: 1.6;
}

/* ==========================================
   TESTIMONIALS
   ========================================== */
.testimonials {
  padding: 100px 0;
  background: var(--light-bg);
  position: relative;
  overflow: hidden;
}

.testimonials::before {
  content: '"';
  position: absolute;
  top: -40px;
  left: 5%;
  font-family: 'Playfair Display', serif;
  font-size: 300px;
  color: rgba(26, 60, 110, 0.04);
  line-height: 1;
}

.testimonials-header {
  text-align: center;
}

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

.testimonial-card {
  background: var(--white);
  border-radius: var(--border-radius-lg);
  padding: 32px;
  border: 1px solid var(--light-gray);
  position: relative;
  transition: var(--transition);
}

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

.testimonial-card.highlight {
  background: var(--gradient-primary);
  border-color: transparent;
}

.stars {
  display: flex;
  gap: 4px;
  margin-bottom: 16px;
  color: var(--accent);
  font-size: 1rem;
}

.testimonial-text {
  font-size: 0.9rem;
  line-height: 1.8;
  color: var(--text-mid);
  margin-bottom: 24px;
  font-style: italic;
}

.testimonial-card.highlight .testimonial-text {
  color: rgba(255, 255, 255, 0.85);
}

.testimonial-author {
  display: flex;
  align-items: center;
  gap: 12px;
}

.author-avatar {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 1rem;
  flex-shrink: 0;
}

.author-name {
  font-size: 0.9rem;
  font-weight: 700;
  color: var(--text-dark);
}

.testimonial-card.highlight .author-name {
  color: var(--white);
}

.author-role {
  font-size: 0.78rem;
  color: var(--text-light);
}

.testimonial-card.highlight .author-role {
  color: rgba(255, 255, 255, 0.6);
}

.testimonial-amount {
  position: absolute;
  top: 28px;
  right: 28px;
  background: rgba(200, 168, 75, 0.1);
  color: var(--accent);
  font-size: 0.78rem;
  font-weight: 700;
  padding: 4px 10px;
  border-radius: 20px;
  border: 1px solid rgba(200, 168, 75, 0.2);
}

.testimonial-card.highlight .testimonial-amount {
  background: rgba(200, 168, 75, 0.2);
  border-color: rgba(200, 168, 75, 0.4);
}

/* ==========================================
   FAQ SECTION
   ========================================== */
.faq {
  padding: 100px 0;
  background: var(--white);
}

.faq-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: start;
}

.faq-sidebar {
  position: sticky;
  top: 100px;
}

.faq-list {
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.faq-item {
  border: 1px solid var(--light-gray);
  border-radius: var(--border-radius);
  overflow: hidden;
  transition: var(--transition);
}

.faq-item.open {
  border-color: rgba(26, 60, 110, 0.2);
  box-shadow: var(--shadow-sm);
}

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

.faq-question:hover {
  background: var(--light-bg);
}

.faq-toggle {
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: var(--light-bg);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--primary);
  font-size: 1.2rem;
  font-weight: 700;
  flex-shrink: 0;
  transition: var(--transition);
}

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

.faq-answer {
  padding: 0 24px;
  max-height: 0;
  overflow: hidden;
  transition: all 0.3s ease;
}

.faq-item.open .faq-answer {
  max-height: 300px;
  padding: 0 24px 20px;
}

.faq-answer p {
  font-size: 0.88rem;
  color: var(--text-mid);
  line-height: 1.8;
}

/* ==========================================
   CTA SECTION
   ========================================== */
.cta-section {
  padding: 100px 0;
  background: var(--gradient-dark);
  position: relative;
  overflow: hidden;
}

.cta-section::before {
  content: '';
  position: absolute;
  top: -30%;
  right: 10%;
  width: 500px;
  height: 500px;
  background: radial-gradient(circle, rgba(200, 168, 75, 0.08) 0%, transparent 70%);
  border-radius: 50%;
}

.cta-inner {
  text-align: center;
  position: relative;
  z-index: 1;
}

.cta-inner .section-tag {
  background: rgba(200, 168, 75, 0.2);
  border-color: rgba(200, 168, 75, 0.4);
}

.cta-inner h2 {
  font-family: 'Playfair Display', serif;
  font-size: clamp(2rem, 4vw, 3rem);
  color: var(--white);
  margin-bottom: 20px;
  line-height: 1.2;
}

.cta-inner p {
  color: rgba(255, 255, 255, 0.7);
  font-size: 1rem;
  max-width: 500px;
  margin: 0 auto 40px;
  line-height: 1.8;
}

.cta-buttons {
  display: flex;
  justify-content: center;
  gap: 20px;
  flex-wrap: wrap;
  margin-bottom: 48px;
}

.cta-contact-bar {
  display: flex;
  justify-content: center;
  align-items: center;
  gap: 40px;
  flex-wrap: wrap;
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  padding-top: 40px;
}

.cta-contact-item {
  display: flex;
  align-items: center;
  gap: 12px;
  color: rgba(255, 255, 255, 0.8);
  font-size: 0.9rem;
  transition: var(--transition);
}

.cta-contact-item:hover {
  color: var(--accent);
}

.cta-contact-icon {
  width: 40px;
  height: 40px;
  border-radius: 10px;
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.12);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.1rem;
}

/* ==========================================
   CONTACT SECTION
   ========================================== */
.contact {
  padding: 100px 0;
  background: var(--light-bg);
}

.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1.5fr;
  gap: 60px;
  align-items: start;
}

.contact-info h3 {
  font-family: 'Playfair Display', serif;
  font-size: 1.8rem;
  color: var(--primary);
  margin-bottom: 16px;
}

.contact-info p {
  font-size: 0.9rem;
  color: var(--text-mid);
  line-height: 1.8;
  margin-bottom: 36px;
}

.contact-items {
  display: flex;
  flex-direction: column;
  gap: 20px;
  margin-bottom: 36px;
}

.contact-item {
  display: flex;
  align-items: center;
  gap: 16px;
  padding: 18px;
  background: var(--white);
  border-radius: 12px;
  border: 1px solid var(--light-gray);
  transition: var(--transition);
}

.contact-item:hover {
  border-color: rgba(26, 60, 110, 0.2);
  box-shadow: var(--shadow-sm);
}

.contact-item-icon {
  width: 44px;
  height: 44px;
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.2rem;
  flex-shrink: 0;
}

.contact-item-icon.email { background: rgba(26, 60, 110, 0.08); color: var(--primary); }
.contact-item-icon.whatsapp { background: rgba(37, 211, 102, 0.1); color: #25D366; }
.contact-item-icon.hours { background: rgba(200, 168, 75, 0.12); color: var(--accent); }

.contact-item-text strong {
  display: block;
  font-size: 0.85rem;
  color: var(--text-dark);
  font-weight: 700;
}

.contact-item-text span {
  font-size: 0.82rem;
  color: var(--text-mid);
}

.contact-form-wrap {
  background: var(--white);
  border-radius: var(--border-radius-lg);
  padding: 40px;
  box-shadow: var(--shadow-md);
  border: 1px solid var(--light-gray);
}

.contact-form-wrap h3 {
  font-family: 'Playfair Display', serif;
  font-size: 1.4rem;
  color: var(--primary);
  margin-bottom: 8px;
}

.contact-form-wrap p {
  font-size: 0.85rem;
  color: var(--text-mid);
  margin-bottom: 28px;
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
}

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

.form-group label {
  display: block;
  font-size: 0.82rem;
  font-weight: 600;
  color: var(--text-dark);
  margin-bottom: 8px;
  letter-spacing: 0.3px;
}

.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  border: 1.5px solid var(--light-gray);
  border-radius: 10px;
  padding: 12px 16px;
  font-size: 0.9rem;
  font-family: 'Poppins', sans-serif;
  color: var(--text-dark);
  background: var(--white);
  outline: none;
  transition: var(--transition);
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(26, 60, 110, 0.08);
}

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

.form-submit {
  width: 100%;
  background: var(--gradient-primary);
  color: var(--white);
  border: none;
  border-radius: 50px;
  padding: 16px;
  font-size: 1rem;
  font-weight: 700;
  font-family: 'Poppins', sans-serif;
  cursor: pointer;
  transition: var(--transition);
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
}

.form-submit:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 30px rgba(26, 60, 110, 0.3);
}

/* ==========================================
   FOOTER
   ========================================== */
.footer {
  background: var(--primary-dark);
  padding: 80px 0 0;
  color: rgba(255, 255, 255, 0.7);
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.8fr 1fr 1fr 1fr;
  gap: 48px;
  margin-bottom: 60px;
}

.footer-brand p {
  font-size: 0.88rem;
  line-height: 1.8;
  margin: 20px 0 28px;
  max-width: 280px;
}

.footer-social {
  display: flex;
  gap: 12px;
}

.social-link {
  width: 38px;
  height: 38px;
  border-radius: 10px;
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid rgba(255, 255, 255, 0.1);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.95rem;
  color: rgba(255, 255, 255, 0.6);
  transition: var(--transition);
}

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

.footer-col h4 {
  font-size: 0.9rem;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 20px;
  letter-spacing: 0.5px;
}

.footer-links {
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.footer-links a {
  font-size: 0.85rem;
  color: rgba(255, 255, 255, 0.6);
  transition: var(--transition);
  display: flex;
  align-items: center;
  gap: 6px;
}

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

.footer-contact-list {
  display: flex;
  flex-direction: column;
  gap: 14px;
}

.footer-contact-item {
  display: flex;
  align-items: flex-start;
  gap: 10px;
  font-size: 0.83rem;
  color: rgba(255, 255, 255, 0.6);
  line-height: 1.5;
}

.footer-contact-item svg {
  color: var(--accent);
  flex-shrink: 0;
  margin-top: 2px;
}

.footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  padding: 24px 0;
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 16px;
}

.footer-bottom p {
  font-size: 0.82rem;
  color: rgba(255, 255, 255, 0.4);
}

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

.footer-legal a {
  font-size: 0.82rem;
  color: rgba(255, 255, 255, 0.4);
  transition: var(--transition);
}

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

/* ==========================================
   WHATSAPP FLOAT BUTTON
   ========================================== */
.whatsapp-float {
  position: fixed;
  bottom: 30px;
  right: 30px;
  z-index: 999;
}

.whatsapp-btn {
  width: 60px;
  height: 60px;
  background: #25D366;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.6rem;
  box-shadow: 0 4px 20px rgba(37, 211, 102, 0.4);
  transition: var(--transition);
  cursor: pointer;
  color: white;
  animation: floatPulse 3s infinite;
}

@keyframes floatPulse {
  0%, 100% { transform: scale(1); }
  50% { transform: scale(1.05); }
}

.whatsapp-btn:hover {
  transform: scale(1.15);
  box-shadow: 0 8px 30px rgba(37, 211, 102, 0.5);
}

.whatsapp-tooltip {
  position: absolute;
  right: 72px;
  top: 50%;
  transform: translateY(-50%);
  background: var(--text-dark);
  color: var(--white);
  font-size: 0.8rem;
  font-weight: 500;
  padding: 8px 14px;
  border-radius: 8px;
  white-space: nowrap;
  opacity: 0;
  pointer-events: none;
  transition: var(--transition);
}

.whatsapp-tooltip::after {
  content: '';
  position: absolute;
  left: 100%;
  top: 50%;
  transform: translateY(-50%);
  border: 6px solid transparent;
  border-left-color: var(--text-dark);
}

.whatsapp-float:hover .whatsapp-tooltip {
  opacity: 1;
}

/* ==========================================
   RESPONSIVE DESIGN
   ========================================== */
@media (max-width: 1024px) {
  .services-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  
  .testimonials-grid {
    grid-template-columns: repeat(2, 1fr);
  }
  
  .footer-grid {
    grid-template-columns: 1fr 1fr;
  }
}

@media (max-width: 768px) {
  .nav-links,
  .nav-cta {
    display: none;
  }
  
  .hamburger {
    display: flex;
  }
  
  .hero-grid {
    grid-template-columns: 1fr;
    gap: 40px;
    padding: 60px 0;
  }
  
  .hero-visual {
    display: none;
  }
  
  .hero-stats {
    grid-template-columns: repeat(3, 1fr);
  }
  
  .services-grid {
    grid-template-columns: 1fr;
  }
  
  .how-grid,
  .why-grid,
  .contact-grid,
  .faq-grid {
    grid-template-columns: 1fr;
    gap: 40px;
  }
  
  .form-row {
    grid-template-columns: 1fr;
  }
  
  .testimonials-grid {
    grid-template-columns: 1fr;
  }
  
  .footer-grid {
    grid-template-columns: 1fr;
  }
  
  .trust-bar-inner {
    gap: 24px;
  }
  
  .why-features {
    grid-template-columns: 1fr;
  }
  
  .floating-card {
    display: none;
  }
  
  .cta-contact-bar {
    gap: 20px;
  }
  
  .footer-bottom {
    flex-direction: column;
    text-align: center;
  }
  
  .how-steps::before {
    display: none;
  }
}

@media (max-width: 480px) {
  .hero-title {
    font-size: 2rem;
  }
  
  .hero-actions {
    flex-direction: column;
    align-items: flex-start;
  }
  
  .hero-stats {
    grid-template-columns: 1fr;
    gap: 16px;
  }
  
  .approval-stats {
    grid-template-columns: 1fr;
  }
  
  .contact-form-wrap {
    padding: 24px;
  }
  
  .cta-buttons {
    flex-direction: column;
    align-items: center;
  }
}

/* ==========================================
   MOBILE MENU
   ========================================== */
.mobile-menu {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  bottom: 0;
  background: rgba(15, 37, 72, 0.97);
  backdrop-filter: blur(20px);
  z-index: 999;
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 32px;
  transform: translateY(-100%);
  transition: transform 0.4s ease;
}

.mobile-menu.open {
  transform: translateY(0);
}

.mobile-menu a {
  font-family: 'Playfair Display', serif;
  font-size: 2rem;
  color: var(--white);
  font-weight: 700;
  transition: var(--transition);
}

.mobile-menu a:hover {
  color: var(--accent);
}

.mobile-close {
  position: absolute;
  top: 24px;
  right: 24px;
  width: 40px;
  height: 40px;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.1);
  border: none;
  color: var(--white);
  font-size: 1.3rem;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
}

/* Success Message */
.form-success {
  display: none;
  text-align: center;
  padding: 40px 20px;
}

.form-success-icon {
  width: 72px;
  height: 72px;
  background: rgba(40, 167, 69, 0.1);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 2rem;
  margin: 0 auto 20px;
  color: var(--success);
}

.form-success h4 {
  font-size: 1.3rem;
  color: var(--primary);
  margin-bottom: 8px;
}

.form-success p {
  font-size: 0.88rem;
  color: var(--text-mid);
}

/* Scroll reveal */
.reveal {
  opacity: 0;
  transform: translateY(30px);
  transition: opacity 0.6s ease, transform 0.6s ease;
}

.reveal.visible {
  opacity: 1;
  transform: translateY(0);
}