/* ============================================================
   Wave Finance — Loan Landing Page Styles
   ============================================================ */

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

:root {
  --primary:       #0284c7;
  --primary-dark:  #0369a1;
  --primary-light: #38bdf8;
  --secondary:     #06b6d4;
  --dark:          #071e3d;
  --dark-2:        #0f2f55;
  --text:          #1e293b;
  --text-muted:    #64748b;
  --bg:            #f0f7ff;
  --white:         #ffffff;
  --border:        #dbeafe;
  --gradient:      linear-gradient(135deg, #0284c7 0%, #06b6d4 100%);
  --gradient-dark: linear-gradient(135deg, #071e3d 0%, #0369a1 100%);
  --shadow-sm:     0 1px 3px rgba(7,30,61,.08);
  --shadow-md:     0 4px 20px rgba(7,30,61,.12);
  --shadow-lg:     0 10px 40px rgba(7,30,61,.16);
  --radius:        12px;
  --radius-lg:     20px;
  --transition:    .3s ease;
}

html { scroll-behavior: smooth; }

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

/* ── Utility ── */
.container { max-width: 1180px; margin: 0 auto; padding: 0 24px; }
.section { padding: 88px 0; }
.section-alt { background: var(--bg); }

.section-label {
  display: inline-block;
  background: rgba(2,132,199,.1);
  color: var(--primary);
  font-size: .75rem;
  font-weight: 600;
  letter-spacing: .08em;
  text-transform: uppercase;
  padding: 6px 16px;
  border-radius: 100px;
  margin-bottom: 14px;
}

.section-title {
  font-size: clamp(1.75rem, 3.5vw, 2.6rem);
  font-weight: 700;
  color: var(--dark);
  line-height: 1.2;
  margin-bottom: 16px;
}

.section-subtitle {
  font-size: 1.0625rem;
  color: var(--text-muted);
  max-width: 560px;
}

.text-center { text-align: center; }
.text-center .section-subtitle { margin: 0 auto; }

/* ── Buttons ── */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 28px;
  border-radius: 8px;
  font-size: .9375rem;
  font-weight: 600;
  text-decoration: none;
  cursor: pointer;
  border: none;
  transition: var(--transition);
}
.btn-primary {
  background: var(--gradient);
  color: var(--white);
  box-shadow: 0 4px 14px rgba(2,132,199,.4);
}
.btn-primary:hover { transform: translateY(-2px); box-shadow: 0 8px 24px rgba(2,132,199,.45); }

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

.btn-white {
  background: var(--white);
  color: var(--primary);
  box-shadow: 0 4px 14px rgba(0,0,0,.12);
}
.btn-white:hover { transform: translateY(-2px); box-shadow: 0 8px 24px rgba(0,0,0,.18); }

.btn-ghost {
  background: rgba(255,255,255,.15);
  color: var(--white);
  border: 2px solid rgba(255,255,255,.4);
  backdrop-filter: blur(8px);
}
.btn-ghost:hover { background: rgba(255,255,255,.25); }

/* ── Navbar ── */
.navbar {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  background: rgba(255,255,255,.96);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--border);
  transition: var(--transition);
}
.navbar.scrolled { box-shadow: var(--shadow-md); }

.navbar-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 72px;
}

.navbar-brand {
  display: flex;
  align-items: center;
  gap: 10px;
  text-decoration: none;
}
.brand-icon {
  width: 38px; height: 38px;
  background: var(--gradient);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--white);
  font-size: 1.1rem;
}
.brand-name { font-size: 1.25rem; font-weight: 700; color: var(--dark); }
.brand-name span { color: var(--primary); }
.navbar-logo { height: 42px; width: auto; display: block; }

.nav-links {
  display: flex;
  align-items: center;
  gap: 4px;
  list-style: none;
}
.nav-links a {
  display: block;
  padding: 8px 14px;
  color: var(--text-muted);
  text-decoration: none;
  font-size: .9rem;
  font-weight: 500;
  border-radius: 8px;
  transition: var(--transition);
}
.nav-links a:hover,
.nav-links a.active { color: var(--primary); background: rgba(2,132,199,.08); }

.nav-cta { display: flex; align-items: center; gap: 10px; }
.nav-cta .btn { padding: 10px 22px; font-size: .875rem; }

.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 4px;
}
.hamburger span {
  display: block;
  width: 24px; height: 2px;
  background: var(--dark);
  border-radius: 2px;
  transition: var(--transition);
}

/* ── Hero ── */
.hero {
  min-height: 100vh;
  background: var(--gradient-dark);
  position: relative;
  display: flex;
  align-items: center;
  padding-top: 72px;
  overflow: hidden;
}

.hero-bg {
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse 80% 60% at 70% 50%, rgba(6,182,212,.18) 0%, transparent 60%),
    radial-gradient(ellipse 50% 80% at 20% 80%, rgba(2,132,199,.2) 0%, transparent 50%);
}

.hero-grid {
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(255,255,255,.03) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,.03) 1px, transparent 1px);
  background-size: 60px 60px;
}

.hero-content {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
  width: 100%;
  padding: 80px 0;
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(255,255,255,.1);
  border: 1px solid rgba(255,255,255,.2);
  color: var(--primary-light);
  font-size: .8rem;
  font-weight: 600;
  padding: 8px 16px;
  border-radius: 100px;
  margin-bottom: 24px;
  backdrop-filter: blur(8px);
}
.hero-badge::before {
  content: '';
  width: 8px; height: 8px;
  background: #22d3ee;
  border-radius: 50%;
  box-shadow: 0 0 8px #22d3ee;
  animation: pulse 2s infinite;
}

@keyframes pulse {
  0%,100% { opacity: 1; }
  50%      { opacity: .4; }
}

.hero-title {
  font-size: clamp(2.2rem, 4.5vw, 3.4rem);
  font-weight: 800;
  color: var(--white);
  line-height: 1.15;
  margin-bottom: 20px;
}
.hero-title .highlight {
  background: linear-gradient(90deg, #38bdf8, #22d3ee);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.hero-subtitle {
  font-size: 1.0625rem;
  color: rgba(255,255,255,.72);
  margin-bottom: 36px;
  max-width: 480px;
}

.hero-actions { display: flex; flex-wrap: wrap; gap: 14px; margin-bottom: 48px; }

.hero-stats {
  display: flex;
  gap: 32px;
  flex-wrap: wrap;
}
.stat-item { text-align: center; }
.stat-value {
  font-size: 1.75rem;
  font-weight: 800;
  color: var(--white);
  line-height: 1;
}
.stat-label { font-size: .78rem; color: rgba(255,255,255,.55); margin-top: 4px; }

/* Hero card panel */
.hero-visual { display: flex; justify-content: flex-end; }

.loan-card {
  background: rgba(255,255,255,.08);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  border: 1px solid rgba(255,255,255,.15);
  border-radius: var(--radius-lg);
  padding: 32px;
  width: 100%;
  max-width: 380px;
}

.loan-card-title {
  color: rgba(255,255,255,.7);
  font-size: .85rem;
  font-weight: 500;
  margin-bottom: 6px;
}
.loan-card-amount {
  font-size: 2.4rem;
  font-weight: 800;
  color: var(--white);
  margin-bottom: 20px;
}

.loan-card-details { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; margin-bottom: 24px; }
.detail-item {
  background: rgba(255,255,255,.06);
  border-radius: 10px;
  padding: 12px;
}
.detail-label { font-size: .72rem; color: rgba(255,255,255,.5); margin-bottom: 4px; }
.detail-value { font-size: .95rem; font-weight: 600; color: var(--white); }

.loan-card-progress { margin-bottom: 20px; }
.progress-label { display: flex; justify-content: space-between; font-size: .78rem; color: rgba(255,255,255,.6); margin-bottom: 8px; }
.progress-bar { height: 6px; background: rgba(255,255,255,.12); border-radius: 3px; overflow: hidden; }
.progress-fill { height: 100%; background: linear-gradient(90deg, #38bdf8, #22d3ee); border-radius: 3px; width: 45%; }

.loan-card-footer {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding-top: 16px;
  border-top: 1px solid rgba(255,255,255,.1);
}
.status-badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  background: rgba(34,211,238,.15);
  color: #22d3ee;
  font-size: .75rem;
  font-weight: 600;
  padding: 6px 12px;
  border-radius: 100px;
}
.status-badge::before {
  content: '';
  width: 6px; height: 6px;
  background: #22d3ee;
  border-radius: 50%;
}

/* ── How to Apply ── */
.steps-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 24px;
  margin-top: 52px;
  position: relative;
}

.steps-grid::before {
  content: '';
  position: absolute;
  top: 40px;
  left: 60px;
  right: 60px;
  height: 2px;
  background: linear-gradient(90deg, transparent, var(--border), transparent);
  z-index: 0;
}

.step-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 32px 24px;
  text-align: center;
  position: relative;
  z-index: 1;
  transition: var(--transition);
}
.step-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-lg);
  border-color: var(--primary-light);
}

.step-number {
  width: 52px; height: 52px;
  background: var(--gradient);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.1rem;
  font-weight: 800;
  color: var(--white);
  margin: 0 auto 20px;
  box-shadow: 0 4px 14px rgba(2,132,199,.35);
}

.step-icon {
  font-size: 2rem;
  margin-bottom: 14px;
  display: block;
}

.step-title {
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--dark);
  margin-bottom: 10px;
}

.step-desc { font-size: .9rem; color: var(--text-muted); line-height: 1.65; }

/* ── Loan Types — Vertical Tabs ── */
.loan-tabs {
  display: grid;
  grid-template-columns: 320px 1fr;
  gap: 0;
  margin-top: 52px;
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
  background: #fff;
}

.loan-tabs-nav {
  background: #f8fafc;
  border-right: 1px solid #e2e8f0;
  display: flex;
  flex-direction: column;
  padding: 8px 0;
}

.loan-tab-btn {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 18px 20px;
  border: none;
  background: transparent;
  cursor: pointer;
  text-align: left;
  transition: all .2s ease;
  position: relative;
  border-left: 3px solid transparent;
}

.loan-tab-btn:hover {
  background: #f1f5f9;
}

.loan-tab-btn.active {
  background: #fff;
  border-left-color: var(--primary);
  box-shadow: 2px 0 8px rgba(0,0,0,.04);
}

.loan-tab-icon {
  width: 42px;
  height: 42px;
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.1rem;
  color: #fff;
  flex-shrink: 0;
}

.salary-icon   { background: #0891b2; }
.civil-icon    { background: #4338ca; }
.personal-icon { background: #1d4ed8; }
.business-icon { background: #059669; }
.emergency-icon { background: #7c3aed; }

.loan-tab-label {
  flex: 1;
  min-width: 0;
}

.loan-tab-name {
  display: block;
  font-size: .92rem;
  font-weight: 600;
  color: var(--dark);
  line-height: 1.3;
}

.loan-tab-hint {
  display: block;
  font-size: .78rem;
  color: var(--text-muted);
  margin-top: 2px;
}

.loan-tab-arrow {
  font-size: .7rem;
  color: #cbd5e1;
  transition: all .2s ease;
  flex-shrink: 0;
}

.loan-tab-btn.active .loan-tab-arrow {
  color: var(--primary);
  transform: translateX(2px);
}

/* Tab content */
.loan-tabs-content {
  padding: 40px;
  position: relative;
  min-height: 420px;
}

.loan-tab-panel {
  display: none;
  animation: tabFadeIn .3s ease;
}

.loan-tab-panel.active {
  display: block;
}

@keyframes tabFadeIn {
  from { opacity: 0; transform: translateY(8px); }
  to   { opacity: 1; transform: translateY(0); }
}

.loan-panel-header {
  display: flex;
  align-items: center;
  gap: 16px;
  margin-bottom: 20px;
  padding-bottom: 20px;
  border-bottom: 1px solid #f1f5f9;
}

.loan-panel-icon {
  width: 52px;
  height: 52px;
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.4rem;
  color: #fff;
}

.loan-panel-title {
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--dark);
  margin: 0;
}

.loan-panel-desc {
  font-size: .95rem;
  color: var(--text-muted);
  line-height: 1.7;
  margin-bottom: 28px;
  max-width: 560px;
}

.loan-panel-details {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
  margin-bottom: 28px;
}

.loan-detail-item {
  background: #f8fafc;
  border-radius: 12px;
  padding: 16px 20px;
  border: 1px solid #f1f5f9;
}

.loan-detail-label {
  font-size: .78rem;
  font-weight: 500;
  color: var(--text-muted);
  text-transform: uppercase;
  letter-spacing: .5px;
  margin-bottom: 4px;
}

.loan-detail-value {
  font-size: 1.05rem;
  font-weight: 700;
  color: var(--dark);
}

.loan-panel-highlights {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-bottom: 28px;
}

.loan-highlight {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: .85rem;
  font-weight: 500;
  color: #059669;
  background: #ecfdf5;
  padding: 6px 14px;
  border-radius: 100px;
}

.loan-highlight i {
  font-size: .8rem;
}

.loan-panel-cta {
  margin-top: 4px;
}

/* Mobile: stack tabs horizontally on top */
@media (max-width: 768px) {
  .loan-tabs {
    grid-template-columns: 1fr;
  }

  .loan-tabs-nav {
    flex-direction: row;
    overflow-x: auto;
    border-right: none;
    border-bottom: 1px solid #e2e8f0;
    padding: 0;
    -webkit-overflow-scrolling: touch;
    scrollbar-width: none;
  }

  .loan-tabs-nav::-webkit-scrollbar {
    display: none;
  }

  .loan-tab-btn {
    flex-direction: column;
    align-items: center;
    text-align: center;
    gap: 6px;
    padding: 14px 16px;
    min-width: 100px;
    flex-shrink: 0;
    border-left: none;
    border-bottom: 3px solid transparent;
  }

  .loan-tab-btn.active {
    border-left-color: transparent;
    border-bottom-color: var(--primary);
    box-shadow: 0 2px 8px rgba(0,0,0,.04);
  }

  .loan-tab-arrow {
    display: none;
  }

  .loan-tab-hint {
    display: none;
  }

  .loan-tab-name {
    font-size: .78rem;
  }

  .loan-tab-icon {
    width: 36px;
    height: 36px;
    font-size: .95rem;
  }

  .loan-tabs-content {
    padding: 24px 20px;
    min-height: auto;
  }

  .loan-panel-details {
    grid-template-columns: 1fr;
  }

  .loan-panel-title {
    font-size: 1.25rem;
  }
}

/* ── Calculator ── */
.calculator-wrapper {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: start;
  margin-top: 52px;
}

.calc-panel {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 36px;
  box-shadow: var(--shadow-md);
}

.calc-panel h3 {
  font-size: 1.2rem;
  font-weight: 700;
  color: var(--dark);
  margin-bottom: 28px;
  padding-bottom: 16px;
  border-bottom: 1px solid var(--border);
}

.form-group { margin-bottom: 22px; }
.form-label {
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: .85rem;
  font-weight: 600;
  color: var(--text);
  margin-bottom: 10px;
}
.form-label .value-display {
  color: var(--primary);
  font-weight: 700;
  font-size: .95rem;
}

.range-slider {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 6px;
  background: var(--border);
  border-radius: 3px;
  outline: none;
  cursor: pointer;
  transition: var(--transition);
}
.range-slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 20px; height: 20px;
  background: var(--gradient);
  border-radius: 50%;
  cursor: pointer;
  box-shadow: 0 2px 8px rgba(2,132,199,.4);
  transition: var(--transition);
}
.range-slider::-webkit-slider-thumb:hover {
  transform: scale(1.2);
  box-shadow: 0 4px 12px rgba(2,132,199,.5);
}
.range-slider::-moz-range-thumb {
  width: 20px; height: 20px;
  background: var(--gradient);
  border-radius: 50%;
  cursor: pointer;
  border: none;
  box-shadow: 0 2px 8px rgba(2,132,199,.4);
}

.range-limits {
  display: flex;
  justify-content: space-between;
  font-size: .72rem;
  color: var(--text-muted);
  margin-top: 6px;
}

.calc-select {
  width: 100%;
  padding: 12px 16px;
  border: 1.5px solid var(--border);
  border-radius: 8px;
  font-family: inherit;
  font-size: .9rem;
  color: var(--text);
  background: var(--white);
  appearance: none;
  -webkit-appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%2364748b' stroke-width='1.5' fill='none' stroke-linecap='round'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 14px center;
  cursor: pointer;
  transition: var(--transition);
}
.calc-select:focus { outline: none; border-color: var(--primary); box-shadow: 0 0 0 3px rgba(2,132,199,.12); }

/* Results panel */
.results-panel {
  background: var(--gradient-dark);
  border-radius: var(--radius-lg);
  padding: 36px;
  color: var(--white);
}

.results-panel h3 {
  font-size: 1.2rem;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 28px;
  padding-bottom: 16px;
  border-bottom: 1px solid rgba(255,255,255,.12);
}

.result-main {
  text-align: center;
  padding: 24px 0;
  margin-bottom: 24px;
  border-bottom: 1px solid rgba(255,255,255,.1);
}
.result-main-label { font-size: .85rem; color: rgba(255,255,255,.6); margin-bottom: 8px; }
.result-main-value {
  font-size: 2.8rem;
  font-weight: 800;
  background: linear-gradient(90deg, #fff, #38bdf8);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
  line-height: 1.1;
}
.result-main-period { font-size: .85rem; color: rgba(255,255,255,.5); margin-top: 6px; }

.result-breakdown { display: grid; gap: 14px; margin-bottom: 24px; }
.result-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 14px 16px;
  background: rgba(255,255,255,.06);
  border-radius: 10px;
  border: 1px solid rgba(255,255,255,.06);
}
.result-row-label { font-size: .85rem; color: rgba(255,255,255,.65); }
.result-row-value { font-size: .95rem; font-weight: 700; color: var(--white); }
.result-row-value.highlight { color: #22d3ee; }

.calc-cta { width: 100%; justify-content: center; padding: 14px; border-radius: 10px; }

/* ── About ── */
.about-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
}

.about-visual {
  position: relative;
}

.about-main-card {
  background: var(--gradient-dark);
  border-radius: var(--radius-lg);
  padding: 40px;
  color: var(--white);
  position: relative;
  overflow: hidden;
}
.about-main-card::before {
  content: '';
  position: absolute;
  top: -40px; right: -40px;
  width: 200px; height: 200px;
  background: radial-gradient(circle, rgba(6,182,212,.3), transparent 70%);
}

.about-card-icon { font-size: 2.5rem; margin-bottom: 16px; }
.about-card-title { font-size: 1.4rem; font-weight: 700; margin-bottom: 10px; }
.about-card-desc { color: rgba(255,255,255,.7); font-size: .9rem; line-height: 1.65; margin-bottom: 24px; }

.about-stat-row { display: flex; gap: 24px; }
.about-stat { flex: 1; }
.about-stat-value { font-size: 1.6rem; font-weight: 800; }
.about-stat-label { font-size: .78rem; color: rgba(255,255,255,.55); }

.about-floating-card {
  position: absolute;
  bottom: -20px; right: -20px;
  background: var(--white);
  border-radius: var(--radius);
  padding: 18px 22px;
  box-shadow: var(--shadow-lg);
  display: flex;
  align-items: center;
  gap: 14px;
  min-width: 200px;
}
.floating-icon {
  width: 44px; height: 44px;
  background: rgba(2,132,199,.1);
  border-radius: 10px;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.2rem;
  flex-shrink: 0;
}
.floating-text { font-size: .78rem; color: var(--text-muted); }
.floating-value { font-size: 1rem; font-weight: 700; color: var(--dark); }

.about-text .section-subtitle { margin-bottom: 24px; }

.values-list { display: grid; gap: 16px; margin-bottom: 32px; }
.value-item {
  display: flex;
  gap: 14px;
  align-items: flex-start;
}
.value-check {
  width: 28px; height: 28px;
  background: rgba(2,132,199,.1);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  color: var(--primary);
  font-size: .85rem;
  flex-shrink: 0;
  margin-top: 1px;
}
.value-title { font-weight: 600; color: var(--dark); font-size: .9375rem; }
.value-desc { font-size: .85rem; color: var(--text-muted); margin-top: 2px; }

/* ── Testimonials ── */
.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 24px;
  margin-top: 52px;
}

.testimonial-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 28px;
  transition: var(--transition);
}
.testimonial-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); }

.stars { color: #f59e0b; font-size: 1rem; margin-bottom: 14px; letter-spacing: 2px; }
.testimonial-text { font-size: .9375rem; color: var(--text); line-height: 1.7; margin-bottom: 20px; font-style: italic; }
.testimonial-author { display: flex; align-items: center; gap: 12px; }
.author-avatar {
  width: 44px; height: 44px;
  border-radius: 50%;
  background: var(--gradient);
  display: flex; align-items: center; justify-content: center;
  color: var(--white);
  font-weight: 700;
  font-size: 1rem;
  flex-shrink: 0;
}
.author-name { font-weight: 600; color: var(--dark); font-size: .9rem; }
.author-role { font-size: .8rem; color: var(--text-muted); }

/* ── Contact ── */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1.5fr;
  gap: 48px;
  margin-top: 52px;
}

.contact-info { display: flex; flex-direction: column; gap: 20px; }

.contact-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 24px;
  display: flex;
  align-items: flex-start;
  gap: 16px;
  transition: var(--transition);
}
.contact-card:hover { border-color: var(--primary-light); box-shadow: var(--shadow-sm); }

.contact-icon {
  width: 48px; height: 48px;
  background: rgba(2,132,199,.1);
  border-radius: 12px;
  display: flex; align-items: center; justify-content: center;
  color: var(--primary);
  font-size: 1.1rem;
  flex-shrink: 0;
}

.contact-card-title { font-weight: 600; color: var(--dark); margin-bottom: 4px; }
.contact-card-value { font-size: .9rem; color: var(--text-muted); }
.contact-card-value a { color: var(--primary); text-decoration: none; }
.contact-card-value a:hover { text-decoration: underline; }

.contact-form-panel {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 36px;
  box-shadow: var(--shadow-md);
}

.contact-form-panel h3 {
  font-size: 1.2rem;
  font-weight: 700;
  color: var(--dark);
  margin-bottom: 24px;
}

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

.input-group { margin-bottom: 18px; }
.input-label {
  display: block;
  font-size: .85rem;
  font-weight: 600;
  color: var(--text);
  margin-bottom: 8px;
}

.form-input,
.form-textarea,
.form-select-input {
  width: 100%;
  padding: 12px 16px;
  border: 1.5px solid var(--border);
  border-radius: 8px;
  font-family: inherit;
  font-size: .9rem;
  color: var(--text);
  background: var(--white);
  transition: var(--transition);
}
.form-input:focus,
.form-textarea:focus,
.form-select-input:focus {
  outline: none;
  border-color: var(--primary);
  box-shadow: 0 0 0 3px rgba(2,132,199,.12);
}
.form-textarea { resize: vertical; min-height: 120px; }

.submit-btn-full {
  width: 100%;
  justify-content: center;
  padding: 14px;
  border-radius: 10px;
  font-size: 1rem;
}

.form-success-msg {
  display: none;
  text-align: center;
  padding: 20px;
  background: rgba(5,150,105,.08);
  border: 1px solid rgba(5,150,105,.2);
  border-radius: 10px;
  color: #065f46;
  font-weight: 500;
  margin-top: 16px;
}

/* ── CTA Banner ── */
.cta-banner {
  background: var(--gradient);
  padding: 72px 0;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.cta-banner::before {
  content: '';
  position: absolute;
  inset: 0;
  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='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' 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/g%3E%3C/svg%3E");
}
.cta-banner-title {
  font-size: clamp(1.8rem, 3vw, 2.6rem);
  font-weight: 800;
  color: var(--white);
  margin-bottom: 14px;
  position: relative;
}
.cta-banner-sub {
  font-size: 1.0625rem;
  color: rgba(255,255,255,.8);
  margin-bottom: 32px;
  position: relative;
}
.cta-banner-actions { display: flex; justify-content: center; flex-wrap: wrap; gap: 14px; position: relative; }

/* ── Footer ── */
.footer {
  background: var(--dark);
  color: rgba(255,255,255,.7);
  padding: 72px 0 32px;
}

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 40px;
  margin-bottom: 48px;
}

.footer-brand { }
.footer-brand .brand-name { color: var(--white); margin-bottom: 14px; display: block; font-size: 1.2rem; }
.footer-desc { font-size: .875rem; line-height: 1.7; color: rgba(255,255,255,.55); margin-bottom: 20px; }

.social-links { display: flex; gap: 10px; }
.social-link {
  width: 38px; height: 38px;
  background: rgba(255,255,255,.08);
  border-radius: 8px;
  display: flex; align-items: center; justify-content: center;
  color: rgba(255,255,255,.7);
  text-decoration: none;
  transition: var(--transition);
  font-size: .9rem;
}
.social-link:hover { background: var(--primary); color: var(--white); }

.footer-col-title { font-size: .9rem; font-weight: 700; color: var(--white); margin-bottom: 18px; }
.footer-links { list-style: none; display: flex; flex-direction: column; gap: 10px; }
.footer-links a {
  color: rgba(255,255,255,.55);
  text-decoration: none;
  font-size: .875rem;
  transition: var(--transition);
}
.footer-links a:hover { color: var(--primary-light); }

.footer-bottom {
  padding-top: 28px;
  border-top: 1px solid rgba(255,255,255,.08);
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 12px;
  font-size: .8rem;
  color: rgba(255,255,255,.4);
}
.footer-bottom a { color: rgba(255,255,255,.5); text-decoration: none; }
.footer-bottom a:hover { color: var(--primary-light); }

/* ── Mobile nav drawer ── */
.mobile-menu {
  display: none;
  position: fixed;
  top: 72px; left: 0; right: 0;
  background: var(--white);
  border-bottom: 1px solid var(--border);
  padding: 16px 24px 24px;
  z-index: 999;
  box-shadow: var(--shadow-md);
}
.mobile-menu.open { display: block; }
.mobile-menu .nav-links {
  flex-direction: column;
  align-items: flex-start;
  gap: 2px;
  margin-bottom: 16px;
}
.mobile-menu .nav-links a { width: 100%; padding: 12px 14px; }
.mobile-menu .nav-cta { flex-direction: column; }
.mobile-menu .nav-cta .btn { width: 100%; justify-content: center; }

/* ── Responsive ── */
@media (max-width: 1024px) {
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .calculator-wrapper { grid-template-columns: 1fr; }
  .results-panel { order: -1; }
}

@media (max-width: 768px) {
  .section { padding: 64px 0; }
  .hero-content { grid-template-columns: 1fr; padding: 60px 0; }
  .hero-visual { display: none; }
  .about-grid { grid-template-columns: 1fr; }
  .about-floating-card { position: static; margin-top: 20px; max-width: 260px; }
  .contact-grid { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .steps-grid::before { display: none; }
  .nav-links, .nav-cta { display: none; }
  .hamburger { display: flex; }
}

@media (max-width: 480px) {
  .hero-stats { gap: 20px; }
  .hero-actions { flex-direction: column; }
  .hero-actions .btn { text-align: center; justify-content: center; }
}

/* ── Animations ── */
.fade-in { opacity: 0; transform: translateY(24px); transition: opacity .6s ease, transform .6s ease; }
.fade-in.visible { opacity: 1; transform: translateY(0); }


/* ══════════════════════════════════════════════
   SPLIT IMAGE SECTION — WHY CHOOSE US
══════════════════════════════════════════════ */
.img-split-section { background: #fff; }

.img-split-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 72px;
  align-items: center;
}

/* ── Image side ── */
.img-split-visual { position: relative; }

.img-split-frame {
  position: relative;
  border-radius: 20px;
  overflow: hidden;
  aspect-ratio: 4 / 5;
  /* Gradient placeholder — replaced automatically when the image loads */
  background: linear-gradient(135deg, var(--primary) 0%, #7c3aed 100%);
  box-shadow: 0 24px 64px rgba(0,0,0,.15);
}

.img-split-photo {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
  transition: transform .6s ease;
}
.img-split-frame:hover .img-split-photo { transform: scale(1.03); }

/* Floating badge pinned to bottom-left of image */
.img-split-badge {
  position: absolute;
  bottom: 24px;
  left: 24px;
  background: rgba(255,255,255,.95);
  backdrop-filter: blur(8px);
  border-radius: 12px;
  padding: 14px 18px;
  display: flex;
  align-items: center;
  gap: 12px;
  box-shadow: 0 8px 24px rgba(0,0,0,.12);
}
.img-split-badge i {
  font-size: 1.4rem;
  color: var(--primary);
}
.img-split-badge-title {
  font-weight: 700;
  font-size: .9rem;
  color: var(--text-primary);
}
.img-split-badge-sub {
  font-size: .75rem;
  color: var(--text-secondary);
}

/* Decorative accent block behind the image */
.img-split-accent {
  position: absolute;
  top: -16px;
  right: -16px;
  width: 120px;
  height: 120px;
  background: var(--primary-light);
  opacity: .15;
  border-radius: 16px;
  z-index: -1;
}

/* ── Feature list ── */
.img-split-features {
  display: flex;
  flex-direction: column;
  gap: 24px;
  margin-bottom: 8px;
}

.img-split-feature-item {
  display: flex;
  align-items: flex-start;
  gap: 16px;
}

.img-split-feature-icon {
  width: 44px;
  height: 44px;
  min-width: 44px;
  border-radius: 10px;
  background: var(--primary-light);
  color: var(--primary);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1rem;
}

.img-split-feature-title {
  font-weight: 700;
  font-size: .95rem;
  color: var(--text-primary);
  margin-bottom: 4px;
}

.img-split-feature-desc {
  font-size: .85rem;
  color: var(--text-secondary);
  line-height: 1.55;
}


/* ══════════════════════════════════════════════
   PROMO BANNER — full-width image with overlay
   To use your own photo:
   Replace the background in .img-promo-banner below
   with:  background-image: url('../images/your-banner.jpg');
══════════════════════════════════════════════ */
.img-promo-banner {
  position: relative;
  padding: 100px 0;
  /* Gradient placeholder — swap this line for a real background-image */
  background: linear-gradient(135deg, #0f172a 0%, #1e1b4b 50%, var(--primary-dark) 100%);
  background-size: cover;
  background-position: center;
  overflow: hidden;
}

/* Semi-transparent overlay that sits on top of the photo */
.img-promo-overlay {
  position: absolute;
  inset: 0;
  background: rgba(10, 10, 30, 0.62);
}

.img-promo-content {
  position: relative;
  z-index: 1;
  text-align: center;
  max-width: 720px;
  margin: 0 auto;
}

.img-promo-label {
  display: inline-block;
  background: rgba(255,255,255,.12);
  border: 1px solid rgba(255,255,255,.2);
  color: #fff;
  font-size: .78rem;
  font-weight: 600;
  letter-spacing: .12em;
  text-transform: uppercase;
  padding: 6px 16px;
  border-radius: 100px;
  margin-bottom: 24px;
}

.img-promo-title {
  font-size: clamp(1.8rem, 4vw, 2.8rem);
  font-weight: 800;
  color: #fff;
  line-height: 1.2;
  margin-bottom: 20px;
}

.img-promo-sub {
  font-size: 1.05rem;
  color: rgba(255,255,255,.75);
  line-height: 1.7;
  margin-bottom: 40px;
}

.img-promo-stats {
  display: flex;
  justify-content: center;
  align-items: center;
  gap: 32px;
  margin-bottom: 40px;
  flex-wrap: wrap;
}

.img-promo-stat { text-align: center; }

.img-promo-stat-val {
  font-size: 2rem;
  font-weight: 800;
  color: #fff;
  line-height: 1;
}

.img-promo-stat-label {
  font-size: .78rem;
  color: rgba(255,255,255,.6);
  margin-top: 4px;
  text-transform: uppercase;
  letter-spacing: .06em;
}

.img-promo-divider {
  width: 1px;
  height: 40px;
  background: rgba(255,255,255,.2);
}

/* btn-white already defined elsewhere; reuse it here */


/* ── Responsive ── */
@media (max-width: 900px) {
  .img-split-grid {
    grid-template-columns: 1fr;
    gap: 40px;
  }
  .img-split-frame { aspect-ratio: 16 / 9; }
}

@media (max-width: 600px) {
  .img-promo-banner { padding: 72px 0; }
  .img-promo-stats { gap: 20px; }
  .img-promo-divider { display: none; }
}