/* ==========================================================================
   My First Loan — style.css
   Palette: Navy #0B2A5B / Deep #081F45 · Teal #1B7FA6 · Gold #E0A72B
   ========================================================================== */

:root {
  --navy: #0b2a5b;
  --navy-deep: #071d42;
  --navy-soft: #12356e;
  --teal: #1b7fa6;
  --teal-bright: #2496c4;
  --gold: #e0a72b;
  --gold-soft: #f5c85c;
  --green: #1faa53;
  --green-dark: #128c42;
  --ink: #1a2333;
  --muted: #5a6779;
  --bg: #ffffff;
  --bg-alt: #f4f7fc;
  --line: #e3e9f2;
  --shadow-sm: 0 2px 10px rgba(11, 42, 91, 0.07);
  --shadow-md: 0 10px 32px rgba(11, 42, 91, 0.12);
  --shadow-lg: 0 22px 60px rgba(11, 42, 91, 0.18);
  --radius: 16px;
  --radius-lg: 24px;
  --font-head: "Poppins", "Segoe UI", sans-serif;
  --font-body: "Inter", "Segoe UI", sans-serif;
}

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

html { scroll-behavior: smooth; scroll-padding-top: 96px; }

body {
  font-family: var(--font-body);
  font-size: 16px;
  line-height: 1.6;
  color: var(--ink);
  background: var(--bg);
  overflow-x: hidden;
}

img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
ul { list-style: none; }

.container { width: min(1180px, 92%); margin-inline: auto; }
.container-narrow { width: min(860px, 92%); margin-inline: auto; }

h1, h2, h3, h4 { font-family: var(--font-head); color: var(--navy); line-height: 1.22; }
h2 { font-size: clamp(1.7rem, 3.4vw, 2.5rem); font-weight: 700; }
h3 { font-size: 1.15rem; font-weight: 600; }

.text-gold { color: var(--gold); }
.light { color: #fff !important; }
.gold { color: var(--gold) !important; }

.ic { width: 18px; height: 18px; fill: currentColor; flex: none; }
.ic-lg { width: 30px; height: 30px; }
.ok { fill: var(--green); }
.gold { fill: var(--gold); }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; gap: 10px;
  font-family: var(--font-head); font-weight: 600; font-size: 0.95rem;
  padding: 13px 26px; border-radius: 999px; border: 2px solid transparent;
  cursor: pointer; transition: box-shadow 0.25s ease, background 0.25s ease, color 0.25s ease, opacity 0.2s;
  min-height: 48px;
}
.btn-lg { padding: 15px 32px; font-size: 1.02rem; }
.btn-whatsapp { background: var(--green); color: #fff; box-shadow: 0 8px 24px rgba(31, 170, 83, 0.35); }
.btn-whatsapp:hover { background: var(--green-dark); box-shadow: 0 12px 30px rgba(31, 170, 83, 0.45); }
.btn-outline { background: transparent; color: var(--navy); border-color: var(--navy); }
.btn-outline:hover { background: var(--navy); color: #fff; }
.btn-outline-light { background: transparent; color: #fff; border-color: rgba(255,255,255,0.7); }
.btn-outline-light:hover { background: #fff; color: var(--navy); }
.btn:focus-visible, a:focus-visible, summary:focus-visible, input:focus-visible {
  outline: 3px solid var(--teal-bright); outline-offset: 2px;
}

/* ---------- Topbar ---------- */
.topbar { background: var(--navy-deep); color: #cfe0f5; font-size: 0.82rem; }
.topbar-inner { display: flex; justify-content: space-between; align-items: center; gap: 12px; padding: 8px 0; flex-wrap: wrap; }
.topbar-item { display: inline-flex; align-items: center; gap: 6px; }
.topbar-item .ic { width: 14px; height: 14px; fill: var(--gold); }
.topbar-links { display: flex; gap: 18px; }
.topbar a:hover { color: #fff; }

/* ---------- Navbar ---------- */
.navbar {
  position: sticky; top: 0; z-index: 100;
  background: rgba(255, 255, 255, 0.92);
  backdrop-filter: blur(12px);
  border-bottom: 1px solid transparent;
  transition: box-shadow 0.3s, border-color 0.3s;
}
.navbar.scrolled { box-shadow: var(--shadow-sm); border-color: var(--line); }
.nav-inner { display: flex; align-items: center; justify-content: space-between; padding: 12px 0; gap: 16px; }

.brand { display: flex; align-items: center; gap: 12px; }
.brand-logo { width: 52px; height: 52px; }
.brand-text { display: flex; flex-direction: column; line-height: 1.15; }
.brand-name { font-family: var(--font-head); font-weight: 700; font-size: 1.22rem; color: var(--navy); }
.brand-tag { font-size: 0.7rem; letter-spacing: 0.12em; text-transform: uppercase; color: var(--teal); font-weight: 600; }

.nav-links { display: flex; align-items: center; gap: 26px; }
.nav-links > a:not(.btn) {
  font-weight: 500; font-size: 0.95rem; color: var(--ink);
  position: relative; padding: 6px 0;
}
.nav-links > a:not(.btn)::after {
  content: ""; position: absolute; left: 0; bottom: 0; height: 2px; width: 0;
  background: var(--gold); transition: width 0.25s ease;
}
.nav-links > a:not(.btn):hover::after { width: 100%; }
.nav-cta { padding: 10px 20px; min-height: 44px; }

.nav-toggle { display: none; background: none; border: 0; cursor: pointer; padding: 10px; }
.nav-toggle span { display: block; width: 24px; height: 2.5px; background: var(--navy); margin: 5px 0; border-radius: 2px; transition: transform 0.3s, opacity 0.3s; }
.nav-toggle.open span:nth-child(1) { transform: translateY(7.5px) rotate(45deg); }
.nav-toggle.open span:nth-child(2) { opacity: 0; }
.nav-toggle.open span:nth-child(3) { transform: translateY(-7.5px) rotate(-45deg); }

/* ---------- Hero ---------- */
.hero { position: relative; background: linear-gradient(160deg, #f7faff 0%, #eef4fd 55%, #e7f0fb 100%); overflow: hidden; }
.hero-bg { position: absolute; inset: 0; pointer-events: none; }
.blob { position: absolute; border-radius: 50%; filter: blur(70px); opacity: 0.5; }
.blob-1 { width: 420px; height: 420px; background: #cfe3ff; top: -120px; right: -80px; animation: drift 14s ease-in-out infinite alternate; }
.blob-2 { width: 340px; height: 340px; background: #ffe9bd; bottom: -140px; left: -100px; animation: drift 18s ease-in-out infinite alternate-reverse; }
@keyframes drift { from { transform: translate(0, 0) scale(1); } to { transform: translate(40px, 30px) scale(1.08); } }
.grid-overlay {
  position: absolute; inset: 0;
  background-image: linear-gradient(rgba(11,42,91,0.045) 1px, transparent 1px),
                    linear-gradient(90deg, rgba(11,42,91,0.045) 1px, transparent 1px);
  background-size: 44px 44px;
  mask-image: radial-gradient(ellipse at 30% 40%, #000 30%, transparent 75%);
}

.hero-inner {
  position: relative; display: grid; grid-template-columns: 1.15fr 0.85fr;
  gap: 48px; align-items: center; padding: 72px 0 88px;
}
.hero-eyebrow {
  display: inline-flex; align-items: center; gap: 8px;
  background: #fff; border: 1px solid var(--line); border-radius: 999px;
  padding: 8px 18px; font-size: 0.82rem; font-weight: 600; color: var(--navy);
  box-shadow: var(--shadow-sm); letter-spacing: 0.03em;
}
.hero-eyebrow .ic { fill: var(--gold); }
.hero-title { font-size: clamp(2.1rem, 4.6vw, 3.4rem); font-weight: 800; margin: 20px 0 10px; }
.hero-title span { display: block; }
.hero-highlight {
  background: linear-gradient(90deg, var(--teal) 0%, var(--navy) 60%);
  -webkit-background-clip: text; background-clip: text; color: transparent;
}
.hero-type { font-family: var(--font-head); font-size: clamp(1.05rem, 2vw, 1.35rem); font-weight: 600; color: var(--muted); margin-bottom: 14px; min-height: 1.6em; }
.typewriter { color: var(--gold); }
.caret { color: var(--gold); animation: blink 0.9s steps(1) infinite; font-weight: 400; }
@keyframes blink { 50% { opacity: 0; } }
.hero-sub { font-size: 1.05rem; color: var(--muted); max-width: 540px; margin-bottom: 28px; }
.hero-cta { display: flex; gap: 14px; flex-wrap: wrap; margin-bottom: 26px; }
.hero-badges { display: flex; gap: 20px; flex-wrap: wrap; }
.hero-badges li { display: inline-flex; align-items: center; gap: 7px; font-size: 0.88rem; font-weight: 600; color: var(--navy); }
.hero-badges .ic { width: 16px; height: 16px; fill: var(--green); }

/* Hero entrance animation */
.anim { opacity: 0; transform: translateY(26px); animation: rise 0.7s cubic-bezier(0.22, 1, 0.36, 1) forwards; }
.anim-1 { animation-delay: 0.05s; } .anim-2 { animation-delay: 0.15s; }
.anim-3 { animation-delay: 0.28s; } .anim-4 { animation-delay: 0.42s; }
.anim-5 { animation-delay: 0.55s; } .anim-6 { animation-delay: 0.68s; }
.anim-7 { animation-delay: 0.82s; }
@keyframes rise { to { opacity: 1; transform: translateY(0); } }

.hero-visual { position: relative; display: flex; justify-content: center; }
.hero-card { background: #fff; border-radius: var(--radius-lg); box-shadow: var(--shadow-lg); }
.main-card {
  padding: 44px 52px; display: flex; flex-direction: column; align-items: center; gap: 10px;
  animation: floaty 6s ease-in-out infinite;
}
.main-card-title { font-family: var(--font-head); font-weight: 700; color: var(--navy); font-size: 1.05rem; letter-spacing: 0.02em; }
.float-card {
  position: absolute; display: flex; align-items: center; gap: 12px;
  padding: 14px 18px; border-radius: 14px; box-shadow: var(--shadow-md);
  font-size: 0.85rem;
}
.float-card strong { display: block; font-family: var(--font-head); color: var(--navy); font-size: 0.92rem; }
.float-card span { color: var(--muted); font-size: 0.78rem; }
.card-approved { top: 4%; left: -6%; animation: floaty 5s ease-in-out infinite 0.6s; }
.card-growth { bottom: 6%; right: -4%; animation: floaty 5.6s ease-in-out infinite 1.1s; }
@keyframes floaty { 0%, 100% { transform: translateY(0); } 50% { transform: translateY(-12px); } }

/* ---------- Stats ---------- */
.stats { background: var(--navy); padding: 40px 0; }
.stats-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; text-align: center; }
.stat-num { display: block; font-family: var(--font-head); font-size: clamp(1.8rem, 3.4vw, 2.6rem); font-weight: 800; color: var(--gold); }
.stat-label { color: #b9cbe8; font-size: 0.9rem; font-weight: 500; }

/* ---------- Sections ---------- */
.section { padding: 88px 0; }
.section-alt { background: var(--bg-alt); }
.section-dark { background: linear-gradient(150deg, var(--navy-deep) 0%, var(--navy) 70%, var(--navy-soft) 100%); }
.section-head { text-align: center; max-width: 720px; margin: 0 auto 52px; }
.section-eyebrow {
  display: inline-block; font-family: var(--font-head); font-size: 0.8rem; font-weight: 700;
  letter-spacing: 0.16em; text-transform: uppercase; color: var(--teal);
  margin-bottom: 12px;
}
.section-eyebrow.light { color: var(--gold-soft); }
.section-sub { color: var(--muted); margin-top: 14px; font-size: 1.02rem; }
.section-sub.light { color: #c3d3ec; }

/* ---------- Feature cards ---------- */
.feature-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.feature-card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  padding: 30px 26px; transition: box-shadow 0.3s ease, border-color 0.3s ease;
}
.feature-card:hover { box-shadow: var(--shadow-md); border-color: #cddcf0; }
.feature-ic {
  width: 54px; height: 54px; border-radius: 14px; display: grid; place-items: center;
  background: linear-gradient(135deg, var(--navy) 0%, var(--teal) 130%);
  margin-bottom: 18px;
}
.feature-ic svg { width: 26px; height: 26px; fill: #fff; }
.feature-card h3 { margin-bottom: 8px; }
.feature-card p { color: var(--muted); font-size: 0.93rem; }

/* ---------- Loan cards ---------- */
.loan-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.loan-card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  padding: 30px 26px; display: flex; flex-direction: column;
  transition: box-shadow 0.3s ease, border-color 0.3s;
  position: relative; overflow: hidden;
}
.loan-card::before {
  content: ""; position: absolute; top: 0; left: 0; right: 0; height: 4px;
  background: linear-gradient(90deg, var(--teal), var(--navy));
  transform: scaleX(0); transform-origin: left; transition: transform 0.35s ease;
}
.loan-card:hover::before { transform: scaleX(1); }
.loan-card:hover { box-shadow: var(--shadow-md); border-color: #cddcf0; }
.loan-ic {
  width: 54px; height: 54px; border-radius: 50%; display: grid; place-items: center;
  background: #e9f1fb; margin-bottom: 16px;
}
.loan-ic svg { width: 26px; height: 26px; fill: var(--navy); }
.gold-ic { background: #fdf3dc; }
.gold-ic svg { fill: var(--gold); }
.loan-card h3 { margin-bottom: 8px; font-size: 1.2rem; }
.loan-card > p { color: var(--muted); font-size: 0.92rem; margin-bottom: 14px; }
.loan-card ul { margin-bottom: 18px; flex: 1; }
.loan-card li { position: relative; padding-left: 22px; font-size: 0.88rem; color: var(--ink); margin-bottom: 7px; }
.loan-card li::before {
  content: ""; position: absolute; left: 0; top: 7px; width: 8px; height: 8px;
  border-radius: 50%; background: var(--gold);
}
.loan-link { font-family: var(--font-head); font-weight: 600; color: var(--teal); font-size: 0.93rem; transition: color 0.2s; }
.loan-link:hover { color: var(--navy); }
.loan-card-govt { background: linear-gradient(160deg, #fffdf6 0%, #fdf6e4 100%); border-color: #f0dfb2; }

/* Featured unsecured business loan card */
.loan-feature {
  grid-column: 1 / -1;
  flex-direction: row; align-items: center; gap: 44px;
  background: linear-gradient(135deg, var(--navy-deep) 0%, var(--navy) 60%, var(--navy-soft) 100%);
  border-color: rgba(224, 167, 43, 0.45);
  padding: 40px 44px;
}
.loan-feature:hover { border-color: var(--gold); box-shadow: var(--shadow-lg); }
.loan-feature::before { background: linear-gradient(90deg, var(--gold), var(--gold-soft)); }
.loan-feature-main { flex: 1; }
.feature-chip {
  display: inline-block; background: rgba(224, 167, 43, 0.14); color: var(--gold-soft);
  border: 1px solid rgba(224, 167, 43, 0.5); border-radius: 999px;
  font-family: var(--font-head); font-size: 0.72rem; font-weight: 700;
  letter-spacing: 0.14em; text-transform: uppercase; padding: 6px 14px; margin-bottom: 14px;
}
.loan-feature h3 { color: #fff; font-size: clamp(1.3rem, 2.4vw, 1.7rem); }
.loan-feature-main > p { color: #c3d3ec; font-size: 0.98rem; margin-bottom: 16px; }
.loan-feature-main strong { color: var(--gold-soft); }
.loan-feature ul { margin-bottom: 0; flex: none; }
.loan-feature li { color: #e6eefb; }
.loan-feature-cta { display: flex; flex-direction: column; align-items: center; gap: 12px; flex: none; }
.feature-hint { color: #a9c0e4; font-size: 0.8rem; }
@media (max-width: 768px) {
  .loan-feature { flex-direction: column; align-items: flex-start; padding: 30px 26px; }
  .loan-feature-cta { align-items: flex-start; }
}

/* ---------- EMI Calculator ---------- */
.calc {
  display: grid; grid-template-columns: 1.1fr 0.9fr; gap: 0;
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius-lg);
  overflow: hidden; box-shadow: var(--shadow-md);
}
.calc-controls { padding: 40px 36px; display: flex; flex-direction: column; gap: 30px; }
.calc-label { display: flex; justify-content: space-between; align-items: baseline; margin-bottom: 12px; }
.calc-label label { font-weight: 600; font-family: var(--font-head); color: var(--navy); font-size: 0.95rem; }
.calc-label output { font-weight: 700; font-family: var(--font-head); color: var(--teal); font-size: 1.05rem; }
input[type="range"] {
  -webkit-appearance: none; appearance: none; width: 100%; height: 8px; border-radius: 99px;
  background: linear-gradient(90deg, var(--teal) var(--fill, 20%), #e3e9f2 var(--fill, 20%));
  outline-offset: 4px; cursor: pointer;
}
input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none; width: 24px; height: 24px; border-radius: 50%;
  background: #fff; border: 4px solid var(--navy); box-shadow: var(--shadow-sm); cursor: grab;
}
input[type="range"]::-moz-range-thumb {
  width: 18px; height: 18px; border-radius: 50%;
  background: #fff; border: 4px solid var(--navy); box-shadow: var(--shadow-sm); cursor: grab;
}
.range-hints { display: flex; justify-content: space-between; font-size: 0.75rem; color: var(--muted); margin-top: 6px; }
.calc-result {
  background: linear-gradient(160deg, var(--navy-deep), var(--navy-soft));
  color: #fff; padding: 40px 36px; display: flex; flex-direction: column; justify-content: center; gap: 18px;
  text-align: center;
}
.calc-emi-label { color: #a9c0e4; font-size: 0.9rem; letter-spacing: 0.08em; text-transform: uppercase; font-weight: 600; }
.calc-emi { font-family: var(--font-head); font-size: clamp(2rem, 4vw, 2.8rem); font-weight: 800; color: var(--gold); }
.calc-split { display: grid; grid-template-columns: repeat(3, 1fr); gap: 12px; border-top: 1px solid rgba(255,255,255,0.15); padding-top: 18px; }
.calc-split span { display: block; font-size: 0.72rem; color: #a9c0e4; text-transform: uppercase; letter-spacing: 0.06em; margin-bottom: 4px; }
.calc-split strong { font-family: var(--font-head); font-size: 0.95rem; }
.calc-result .btn { align-self: center; margin-top: 6px; }

/* ---------- Process ---------- */
.steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 22px; }
.step {
  background: rgba(255,255,255,0.06); border: 1px solid rgba(255,255,255,0.14);
  border-radius: var(--radius); padding: 30px 24px;
  transition: background 0.3s, border-color 0.3s;
}
.step:hover { background: rgba(255,255,255,0.1); border-color: rgba(224,167,43,0.5); }
.step-num {
  display: inline-block; font-family: var(--font-head); font-weight: 800; font-size: 2rem;
  color: var(--gold); margin-bottom: 12px;
  background: linear-gradient(180deg, var(--gold-soft), var(--gold));
  -webkit-background-clip: text; background-clip: text; -webkit-text-fill-color: transparent;
}
.step h3 { color: #fff; margin-bottom: 8px; }
.step p { color: #b9cbe8; font-size: 0.9rem; }

/* ---------- Testimonials ---------- */
.testi-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.testi-card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  padding: 30px 28px; box-shadow: var(--shadow-sm);
  transition: box-shadow 0.3s;
}
.testi-card:hover { box-shadow: var(--shadow-md); }
.stars { color: var(--gold); letter-spacing: 3px; margin-bottom: 14px; font-size: 1.05rem; }
.testi-card blockquote { color: var(--ink); font-size: 0.95rem; font-style: italic; margin-bottom: 18px; }
.testi-card figcaption strong { display: block; font-family: var(--font-head); color: var(--navy); font-size: 0.95rem; }
.testi-card figcaption span { color: var(--muted); font-size: 0.82rem; }

/* ---------- FAQ ---------- */
.faq-list { display: flex; flex-direction: column; gap: 14px; }
.faq-item {
  background: #fff; border: 1px solid var(--line); border-radius: 14px;
  overflow: hidden; transition: box-shadow 0.25s;
}
.faq-item[open] { box-shadow: var(--shadow-sm); border-color: #cddcf0; }
.faq-item summary {
  cursor: pointer; list-style: none; padding: 18px 52px 18px 22px;
  font-family: var(--font-head); font-weight: 600; color: var(--navy); font-size: 0.98rem;
  position: relative; user-select: none;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
  content: "+"; position: absolute; right: 20px; top: 50%; transform: translateY(-50%);
  font-size: 1.5rem; font-weight: 400; color: var(--teal); transition: transform 0.25s;
}
.faq-item[open] summary::after { transform: translateY(-50%) rotate(45deg); }
.faq-item p { padding: 0 22px 20px; color: var(--muted); font-size: 0.93rem; }

/* ---------- CTA Banner ---------- */
.cta-banner {
  background: linear-gradient(120deg, var(--navy-deep) 0%, var(--navy) 55%, var(--teal) 140%);
  padding: 64px 0;
}
.cta-inner { display: flex; align-items: center; justify-content: space-between; gap: 32px; flex-wrap: wrap; }
.cta-inner h2 { color: #fff; margin-bottom: 8px; }
.cta-inner p { color: #c3d3ec; }
.cta-actions { display: flex; gap: 14px; flex-wrap: wrap; }

/* ---------- Contact ---------- */
.contact-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 22px; }
.contact-card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  padding: 30px 24px; text-align: center;
  transition: box-shadow 0.3s, border-color 0.3s;
}
.contact-card:hover { box-shadow: var(--shadow-md); border-color: #cddcf0; }
.contact-ic {
  width: 56px; height: 56px; border-radius: 50%; display: grid; place-items: center;
  background: #e9f1fb; margin: 0 auto 16px;
}
.contact-ic svg { width: 26px; height: 26px; fill: var(--navy); }
.contact-ic.wa { background: #e3f6ea; }
.contact-ic.wa svg { fill: var(--green); }
.contact-ic.ig { background: #fdeef3; }
.contact-ic.ig svg { fill: #c13584; }
.contact-card h3 { margin-bottom: 6px; }
.contact-card p { color: var(--ink); font-weight: 600; font-size: 0.95rem; }
.contact-hint { display: block; margin-top: 8px; color: var(--muted); font-size: 0.8rem; }

/* ---------- Footer ---------- */
.footer { background: var(--navy-deep); color: #b9cbe8; }
.footer-grid {
  display: grid; grid-template-columns: 1.4fr 1fr 1fr 1.2fr; gap: 40px;
  padding: 64px 0 40px;
}
.footer-brand p { font-size: 0.9rem; margin: 16px 0; max-width: 300px; }
.footer-brand .brand-name { font-size: 1.15rem; }
.footer-social { display: inline-flex; align-items: center; gap: 8px; font-weight: 600; font-size: 0.9rem; color: #fff; }
.footer-social:hover { color: var(--gold); }
.footer-col h4 { color: #fff; font-size: 0.95rem; margin-bottom: 16px; letter-spacing: 0.04em; }
.footer-col a { display: block; font-size: 0.9rem; padding: 5px 0; transition: color 0.2s; }
.footer-col a:hover { color: var(--gold); }
.footer-addr { font-size: 0.85rem; margin-top: 10px; line-height: 1.7; }
.footer-note { padding: 18px 0; border-top: 1px solid rgba(255,255,255,0.1); }
.disclaimer { font-size: 0.76rem; color: #8aa2c6; line-height: 1.7; }
.footer-bottom { background: #051733; padding: 16px 0; }
.footer-bottom-inner { display: flex; justify-content: space-between; gap: 10px; flex-wrap: wrap; font-size: 0.82rem; }

/* ---------- Floating WhatsApp ---------- */
.wa-float {
  position: fixed; right: 22px; bottom: 22px; z-index: 200;
  width: 60px; height: 60px; border-radius: 50%;
  background: var(--green); display: grid; place-items: center;
  box-shadow: 0 10px 30px rgba(31, 170, 83, 0.45);
  transition: background 0.25s;
}
.wa-float:hover { background: var(--green-dark); }
.wa-float svg { width: 32px; height: 32px; fill: #fff; position: relative; z-index: 2; }
.wa-pulse {
  position: absolute; inset: 0; border-radius: 50%;
  background: var(--green); animation: pulse 2s ease-out infinite; z-index: 1;
}
@keyframes pulse {
  0% { transform: scale(1); opacity: 0.6; }
  100% { transform: scale(1.7); opacity: 0; }
}

/* ---------- Scroll reveal ---------- */
.reveal { opacity: 0; transform: translateY(34px); transition: opacity 0.7s cubic-bezier(0.22,1,0.36,1), transform 0.7s cubic-bezier(0.22,1,0.36,1); }
.reveal[data-delay="1"] { transition-delay: 0.1s; }
.reveal[data-delay="2"] { transition-delay: 0.2s; }
.reveal[data-delay="3"] { transition-delay: 0.3s; }
.reveal[data-delay="4"] { transition-delay: 0.4s; }
.reveal[data-delay="5"] { transition-delay: 0.5s; }
.reveal.visible { opacity: 1; transform: translateY(0); }

/* ---------- Reduced motion ---------- */
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  .anim, .reveal { opacity: 1; transform: none; animation: none; transition: none; }
  .blob, .main-card, .float-card, .wa-pulse, .caret { animation: none; }
}

/* ---------- Responsive ---------- */
@media (max-width: 1024px) {
  .feature-grid, .loan-grid, .testi-grid { grid-template-columns: repeat(2, 1fr); }
  .contact-grid { grid-template-columns: repeat(2, 1fr); }
  .steps { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .hero-inner { grid-template-columns: 1fr; padding: 56px 0 64px; }
  .hero-visual { margin-top: 24px; }
  .card-approved { left: 4%; }
  .card-growth { right: 4%; }
}

@media (max-width: 768px) {
  .topbar-inner { justify-content: center; }
  .nav-links {
    position: fixed; top: 0; right: -100%; height: 100dvh; width: min(320px, 82vw);
    background: #fff; flex-direction: column; align-items: flex-start;
    padding: 96px 32px 32px; gap: 20px; box-shadow: var(--shadow-lg);
    transition: right 0.35s cubic-bezier(0.22,1,0.36,1); z-index: 150;
  }
  .nav-links.open { right: 0; }
  .nav-toggle { display: block; position: relative; z-index: 160; }
  .calc { grid-template-columns: 1fr; }
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .section { padding: 64px 0; }
  .cta-inner { flex-direction: column; text-align: center; }
}

@media (max-width: 560px) {
  .feature-grid, .loan-grid, .testi-grid, .contact-grid, .steps { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; gap: 28px; }
  .hero-cta .btn { width: 100%; justify-content: center; }
  .float-card { display: none; }
  .footer-bottom-inner { justify-content: center; text-align: center; }
}