/* ==========================================================================
   LOAN MASTERS - Premium Banking & DSA Financial Services Design System
   ========================================================================== */

@import url('https://fonts.googleapis.com/css2?family=Outfit:wght@300;400;500;600;700;800;900&family=Plus+Jakarta+Sans:wght@300;400;500;600;700;800&display=swap');

:root {
  /* Color Palette */
  --primary: #0F284E;
  --primary-dark: #091830;
  --primary-light: #1A3B6B;
  --primary-gradient: linear-gradient(135deg, #0F284E 0%, #173663 50%, #091830 100%);
  
  --accent: #E5A93B;
  --accent-light: #F9C768;
  --accent-dark: #C6891B;
  --accent-gradient: linear-gradient(135deg, #F9C768 0%, #E5A93B 50%, #C6891B 100%);

  --emerald: #10B981;
  --emerald-dark: #059669;
  --emerald-light: #D1FAE5;

  --navy-900: #070D18;
  --navy-800: #0E1A2F;
  --navy-700: #182846;
  --navy-600: #23395E;
  
  --gray-50: #F8FAFC;
  --gray-100: #F1F5F9;
  --gray-200: #E2E8F0;
  --gray-300: #CBD5E1;
  --gray-400: #94A3B8;
  --gray-500: #64748B;
  --gray-600: #475569;
  --gray-700: #334155;
  --gray-800: #1E293B;
  --gray-900: #0F172A;

  --white: #FFFFFF;
  --black: #000000;

  /* Typography */
  --font-heading: 'Outfit', -apple-system, BlinkMacSystemFont, sans-serif;
  --font-body: 'Plus Jakarta Sans', -apple-system, BlinkMacSystemFont, sans-serif;

  /* Shadows */
  --shadow-sm: 0 2px 4px rgba(15, 40, 78, 0.05);
  --shadow-md: 0 6px 16px rgba(15, 40, 78, 0.08);
  --shadow-lg: 0 12px 32px rgba(15, 40, 78, 0.12);
  --shadow-xl: 0 20px 48px rgba(15, 40, 78, 0.16);
  --shadow-glow: 0 0 25px rgba(229, 169, 59, 0.35);
  --shadow-glow-blue: 0 0 30px rgba(26, 59, 107, 0.4);

  /* Border Radius */
  --radius-sm: 8px;
  --radius-md: 14px;
  --radius-lg: 20px;
  --radius-xl: 28px;
  --radius-full: 9999px;

  /* Glassmorphism */
  --glass-bg: rgba(255, 255, 255, 0.85);
  --glass-border: rgba(255, 255, 255, 0.6);
  --glass-dark-bg: rgba(14, 26, 47, 0.85);
  --glass-dark-border: rgba(255, 255, 255, 0.1);

  /* Transitions */
  --transition-fast: 0.2s cubic-bezier(0.4, 0, 0.2, 1);
  --transition-normal: 0.35s cubic-bezier(0.4, 0, 0.2, 1);
  --transition-slow: 0.6s cubic-bezier(0.16, 1, 0.3, 1);
}

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

html {
  overflow-x: hidden;
  max-width: 100%;
  width: 100%;
  scroll-behavior: smooth;
  font-size: 16px;
  -webkit-text-size-adjust: 100%;
}

body {
  font-family: var(--font-body);
  background-color: #FAFCFF;
  color: var(--gray-800);
  line-height: 1.6;
  overflow-x: hidden;
  max-width: 100%;
  width: 100%;
  position: relative;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  padding-bottom: 0;
}

main, .page-view, .section, .container {
  max-width: 100%;
  box-sizing: border-box;
}

h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-heading);
  color: var(--navy-900);
  font-weight: 700;
  line-height: 1.22;
}

h1 { font-size: clamp(2rem, 5vw, 3.4rem); }
h2 { font-size: clamp(1.7rem, 4vw, 2.5rem); }
h3 { font-size: clamp(1.3rem, 3vw, 1.85rem); }
h4 { font-size: clamp(1.1rem, 2.5vw, 1.4rem); }

a {
  color: inherit;
  text-decoration: none;
  transition: var(--transition-fast);
  -webkit-tap-highlight-color: transparent;
}

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

ul, ol {
  list-style: none;
}

/* Inputs & Form Controls - 16px prevents iOS Safari auto-zoom */
button, input, select, textarea {
  font-family: inherit;
  font-size: 1rem;
}

input[type="text"],
input[type="number"],
input[type="tel"],
input[type="email"],
select,
textarea {
  font-size: 16px !important;
}

/* Container */
.container {
  width: 100%;
  max-width: 1280px;
  margin: 0 auto;
  padding: 0 24px;
}

.container-fluid {
  width: 100%;
  padding: 0 24px;
}

/* Section Common */
.section {
  padding: clamp(48px, 8vw, 90px) 0;
  position: relative;
}

.section-dark {
  background: var(--navy-900);
  color: var(--white);
}

.section-dark h1,
.section-dark h2,
.section-dark h3,
.section-dark h4 {
  color: var(--white);
}

.section-light-gradient {
  background: linear-gradient(180deg, #F8FAFC 0%, #EDF4FB 100%);
}

.section-header {
  text-align: center;
  max-width: 760px;
  margin: 0 auto clamp(32px, 5vw, 56px) auto;
}

.section-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 6px 16px;
  background: rgba(229, 169, 59, 0.12);
  border: 1px solid rgba(229, 169, 59, 0.35);
  border-radius: var(--radius-full);
  color: var(--accent-dark);
  font-size: clamp(0.75rem, 2vw, 0.85rem);
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 1px;
  margin-bottom: 16px;
}

.section-badge-dark {
  background: rgba(229, 169, 59, 0.2);
  border-color: rgba(249, 199, 104, 0.4);
  color: var(--accent-light);
}

.section-title {
  font-size: clamp(1.85rem, 4.5vw, 2.75rem);
  font-weight: 800;
  letter-spacing: -0.5px;
  margin-bottom: 16px;
  color: var(--navy-900);
}

.section-dark .section-title {
  color: var(--white);
}

.section-subtitle {
  font-size: clamp(0.95rem, 2.2vw, 1.12rem);
  color: var(--gray-600);
  line-height: 1.7;
}

.section-dark .section-subtitle {
  color: var(--gray-300);
}

/* ==========================================================================
   Top Header Bar & Navigation
   ========================================================================== */
.top-announcement-bar {
  background: var(--navy-900);
  color: var(--gray-300);
  font-size: 0.82rem;
  padding: 8px 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}

.top-bar-content {
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 12px;
}

.top-bar-left, .top-bar-right {
  display: flex;
  align-items: center;
  gap: 16px;
}

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

.top-bar-item svg {
  color: var(--accent);
}

.top-badge-verified {
  background: rgba(16, 185, 129, 0.2);
  color: #34D399;
  padding: 2px 10px;
  border-radius: var(--radius-full);
  font-weight: 600;
  font-size: 0.75rem;
  border: 1px solid rgba(16, 185, 129, 0.3);
  white-space: nowrap;
}

/* Main Navigation Header */
.main-header {
  position: sticky;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  background: rgba(255, 255, 255, 0.94);
  backdrop-filter: blur(14px);
  -webkit-backdrop-filter: blur(14px);
  border-bottom: 1px solid rgba(15, 40, 78, 0.08);
  box-shadow: var(--shadow-sm);
  transition: var(--transition-normal);
}

.main-header.scrolled {
  background: rgba(255, 255, 255, 0.98);
  box-shadow: var(--shadow-md);
}

.nav-container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 80px;
}

/* Brand Logo */
.brand-logo {
  display: flex;
  align-items: center;
  gap: 12px;
  cursor: pointer;
  text-decoration: none;
}

.logo-img-wrapper {
  width: 52px;
  height: 52px;
  border-radius: 12px;
  overflow: hidden;
  box-shadow: 0 2px 10px rgba(15, 40, 78, 0.1);
  border: 1.5px solid var(--gray-300);
  background: #FFFFFF;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 2px;
  flex-shrink: 0;
}

.logo-img-wrapper img {
  width: 100%;
  height: 100%;
  object-fit: contain;
}

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

.brand-name {
  font-family: var(--font-heading);
  font-size: clamp(1.15rem, 3.5vw, 1.45rem);
  font-weight: 800;
  letter-spacing: -0.5px;
  color: var(--primary);
  line-height: 1.1;
}

.brand-name span {
  color: var(--accent-dark);
}

.brand-tagline {
  font-size: clamp(0.65rem, 1.8vw, 0.72rem);
  font-weight: 600;
  letter-spacing: 0.8px;
  text-transform: uppercase;
  color: var(--gray-500);
}

/* Nav Links */
.nav-links {
  display: flex;
  align-items: center;
  gap: 28px;
}

.nav-link {
  font-size: 0.95rem;
  font-weight: 600;
  color: var(--navy-800);
  position: relative;
  padding: 8px 0;
}

.nav-link::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  width: 0%;
  height: 3px;
  background: var(--accent-gradient);
  border-radius: var(--radius-full);
  transition: var(--transition-fast);
}

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

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

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

/* Animated Hamburger Mobile Toggle */
.mobile-toggle {
  display: none;
  background: rgba(15, 40, 78, 0.06);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-sm);
  width: 44px;
  height: 44px;
  cursor: pointer;
  padding: 0;
  position: relative;
  align-items: center;
  justify-content: center;
  transition: all var(--transition-fast);
}

.mobile-toggle:hover {
  background: rgba(15, 40, 78, 0.12);
}

.hamburger-box {
  width: 22px;
  height: 16px;
  position: relative;
  display: inline-block;
}

.hamburger-inner,
.hamburger-inner::before,
.hamburger-inner::after {
  width: 22px;
  height: 2.5px;
  background-color: var(--navy-900);
  border-radius: 4px;
  position: absolute;
  transition: transform 0.25s ease, opacity 0.25s ease;
}

.hamburger-inner {
  top: 50%;
  transform: translateY(-50%);
}

.hamburger-inner::before,
.hamburger-inner::after {
  content: '';
  display: block;
}

.hamburger-inner::before {
  top: -7px;
}

.hamburger-inner::after {
  bottom: -7px;
}

/* Hamburger Active / Open State */
.mobile-toggle.active .hamburger-inner {
  background-color: transparent;
}

.mobile-toggle.active .hamburger-inner::before {
  transform: translateY(7px) rotate(45deg);
  background-color: var(--primary);
}

.mobile-toggle.active .hamburger-inner::after {
  transform: translateY(-7px) rotate(-45deg);
  background-color: var(--primary);
}

/* ==========================================================================
   Mobile Navigation Drawer & Backdrop Overlay
   ========================================================================== */
.mobile-menu-overlay {
  position: fixed;
  inset: 0;
  background: rgba(7, 13, 24, 0.65);
  backdrop-filter: blur(6px);
  -webkit-backdrop-filter: blur(6px);
  z-index: 1998;
  opacity: 0;
  visibility: hidden;
  transition: opacity 0.3s ease, visibility 0.3s ease;
}

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

.mobile-drawer {
  position: fixed;
  top: 0;
  right: -100%;
  width: 88%;
  max-width: 380px;
  height: 100%;
  background: var(--white);
  z-index: 1999;
  box-shadow: -8px 0 32px rgba(0, 0, 0, 0.25);
  transition: right 0.35s cubic-bezier(0.16, 1, 0.3, 1);
  display: flex;
  flex-direction: column;
  overflow: hidden;
}

.mobile-drawer.active {
  right: 0;
}

.mobile-drawer-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 20px 24px;
  border-bottom: 1px solid var(--gray-200);
  background: var(--gray-50);
}

.mobile-drawer-close {
  width: 38px;
  height: 38px;
  border-radius: 50%;
  background: rgba(15, 40, 78, 0.08);
  border: none;
  color: var(--navy-900);
  font-size: 1.1rem;
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  transition: var(--transition-fast);
}

.mobile-drawer-close:hover {
  background: var(--navy-900);
  color: var(--white);
}

.mobile-drawer-body {
  padding: 24px;
  overflow-y: auto;
  flex: 1;
  display: flex;
  flex-direction: column;
  gap: 24px;
}

.mobile-drawer-nav {
  display: flex;
  flex-direction: column;
  gap: 8px;
}

.mobile-nav-item {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 14px 16px;
  border-radius: var(--radius-md);
  font-weight: 600;
  font-size: 1rem;
  color: var(--navy-900);
  background: transparent;
  transition: var(--transition-fast);
  border: 1px solid transparent;
}

.mobile-nav-icon {
  font-size: 1.25rem;
  width: 24px;
  display: flex;
  align-items: center;
  justify-content: center;
}

.mobile-nav-item:hover {
  background: var(--gray-50);
  color: var(--primary);
  transform: translateX(4px);
}

.mobile-nav-item.active {
  background: rgba(15, 40, 78, 0.08);
  color: var(--primary);
  border-color: rgba(15, 40, 78, 0.15);
  font-weight: 700;
}

.mobile-drawer-cta-box {
  margin-top: auto;
  padding-top: 20px;
  border-top: 1px solid var(--gray-200);
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.mobile-quick-actions-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px;
}

.mobile-quick-btn {
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 12px 14px;
  border-radius: var(--radius-md);
  font-size: 0.88rem;
  font-weight: 700;
  text-align: center;
}

.mobile-quick-btn.btn-call {
  background: var(--primary);
  color: var(--white);
}

.mobile-quick-btn.btn-wa {
  background: #25D366;
  color: var(--white);
}

.mobile-drawer-badge {
  text-align: center;
  font-size: 0.76rem;
  color: var(--gray-500);
  font-weight: 600;
  margin-top: 4px;
}

/* ==========================================================================
   Buttons & Badges
   ========================================================================== */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  padding: 13px 28px;
  font-weight: 700;
  font-size: 0.95rem;
  border-radius: var(--radius-full);
  cursor: pointer;
  transition: all var(--transition-fast);
  border: 1px solid transparent;
  outline: none;
  white-space: nowrap;
}

.btn-primary {
  background: var(--primary);
  color: var(--white);
  box-shadow: 0 4px 16px rgba(15, 40, 78, 0.25);
}

.btn-primary:hover {
  background: var(--primary-light);
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(15, 40, 78, 0.35);
}

.btn-accent {
  background: var(--accent-gradient);
  color: var(--navy-900);
  box-shadow: 0 4px 18px rgba(229, 169, 59, 0.35);
}

.btn-accent:hover {
  filter: brightness(1.05);
  transform: translateY(-2px);
  box-shadow: 0 8px 26px rgba(229, 169, 59, 0.45);
}

.btn-outline-white {
  background: rgba(255, 255, 255, 0.08);
  border-color: rgba(255, 255, 255, 0.3);
  color: var(--white);
  backdrop-filter: blur(8px);
}

.btn-outline-white:hover {
  background: var(--white);
  color: var(--navy-900);
  border-color: var(--white);
  transform: translateY(-2px);
}

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

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

.btn-whatsapp {
  background: #25D366;
  color: var(--white);
  box-shadow: 0 4px 16px rgba(37, 211, 102, 0.3);
}

.btn-whatsapp:hover {
  background: #20BA5A;
  transform: translateY(-2px);
  box-shadow: 0 8px 24px rgba(37, 211, 102, 0.4);
}

.btn-sm {
  padding: 9px 18px;
  font-size: 0.85rem;
}

.btn-lg {
  padding: 16px 36px;
  font-size: 1.05rem;
}

/* Badges */
.badge {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 4px 12px;
  border-radius: var(--radius-full);
  font-size: 0.78rem;
  font-weight: 700;
}

.badge-gold {
  background: rgba(229, 169, 59, 0.15);
  color: var(--accent-dark);
  border: 1px solid rgba(229, 169, 59, 0.3);
}

.badge-emerald {
  background: rgba(16, 185, 129, 0.15);
  color: var(--emerald-dark);
  border: 1px solid rgba(16, 185, 129, 0.3);
}

.badge-blue {
  background: rgba(26, 59, 107, 0.12);
  color: var(--primary);
  border: 1px solid rgba(26, 59, 107, 0.25);
}

/* ==========================================================================
   Footer
   ========================================================================== */
.main-footer {
  background: var(--navy-900);
  color: var(--gray-300);
  padding: 80px 0 30px 0;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  position: relative;
}

.footer-top-cta {
  background: linear-gradient(135deg, #182846 0%, #0E1A2F 100%);
  border: 1px solid rgba(229, 169, 59, 0.3);
  border-radius: var(--radius-xl);
  padding: 48px;
  margin-bottom: 60px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 28px;
  box-shadow: var(--shadow-xl);
}

.footer-cta-text h3 {
  font-size: 2rem;
  color: var(--white);
  margin-bottom: 8px;
}

.footer-cta-text p {
  color: var(--gray-300);
  font-size: 1.05rem;
}

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1.5fr;
  gap: 48px;
  margin-bottom: 56px;
}

.footer-logo-box {
  display: inline-flex;
  align-items: center;
  margin-bottom: 8px;
}

.footer-logo-img {
  max-height: 48px;
  max-width: 190px;
  width: auto;
  height: auto;
  object-fit: contain;
  background: #FFFFFF;
  padding: 6px 14px;
  border-radius: 10px;
  box-shadow: 0 2px 8px rgba(0, 0, 0, 0.15);
}

.footer-col-brand p {
  color: var(--gray-400);
  font-size: 0.95rem;
  line-height: 1.7;
  margin: 18px 0 24px 0;
}

.footer-credentials {
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.cred-item {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 0.85rem;
  color: var(--gray-300);
}

.cred-item svg {
  color: var(--accent);
}

.footer-col h4 {
  font-size: 1.15rem;
  color: var(--white);
  margin-bottom: 22px;
  position: relative;
  padding-bottom: 10px;
}

.footer-col h4::after {
  content: '';
  position: absolute;
  bottom: 0;
  left: 0;
  width: 32px;
  height: 3px;
  background: var(--accent);
  border-radius: var(--radius-full);
}

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

.footer-link {
  color: var(--gray-400);
  font-size: 0.92rem;
  transition: var(--transition-fast);
}

.footer-link:hover {
  color: var(--accent-light);
  transform: translateX(4px);
}

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

.footer-contact-item {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  font-size: 0.92rem;
  color: var(--gray-400);
}

.footer-contact-item svg {
  color: var(--accent);
  flex-shrink: 0;
  margin-top: 4px;
}

.footer-bottom {
  padding-top: 28px;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 16px;
  font-size: 0.86rem;
  color: var(--gray-500);
}

.footer-bottom-links {
  display: flex;
  gap: 20px;
}

/* ==========================================================================
   Floating Widgets (WhatsApp & Call)
   ========================================================================== */
.floating-actions {
  position: fixed;
  bottom: 28px;
  right: 28px;
  display: flex;
  flex-direction: column;
  gap: 14px;
  z-index: 999;
}

.floating-btn {
  width: 58px;
  height: 58px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--white);
  box-shadow: 0 8px 24px rgba(0, 0, 0, 0.25);
  transition: var(--transition-fast);
  position: relative;
}

.floating-btn-whatsapp {
  background: #25D366;
}

.floating-btn-call {
  background: var(--primary);
}

.floating-btn:hover {
  transform: scale(1.1) translateY(-4px);
  box-shadow: 0 12px 30px rgba(0, 0, 0, 0.35);
}

.floating-btn .tooltip {
  position: absolute;
  right: 68px;
  background: var(--navy-900);
  color: var(--white);
  padding: 6px 14px;
  border-radius: var(--radius-sm);
  font-size: 0.8rem;
  font-weight: 600;
  white-space: nowrap;
  opacity: 0;
  pointer-events: none;
  transition: var(--transition-fast);
  box-shadow: var(--shadow-md);
}

.floating-btn:hover .tooltip {
  opacity: 1;
}

/* ==========================================================================
   Page View Switcher (Single Page Multi-Tab Routing)
   ========================================================================== */
.page-view {
  display: none;
  animation: fadeIn 0.4s ease-in-out forwards;
}

.page-view.active {
  display: block;
}

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

/* ==========================================================================
   Mobile Sticky Bottom Quick Action Bar
   ========================================================================== */
.mobile-bottom-bar {
  display: none;
  position: fixed;
  bottom: 0;
  left: 0;
  right: 0;
  background: rgba(255, 255, 255, 0.96);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  border-top: 1px solid rgba(15, 40, 78, 0.1);
  box-shadow: 0 -4px 20px rgba(0, 0, 0, 0.08);
  z-index: 1000;
  padding: 6px 12px calc(6px + env(safe-area-inset-bottom, 0px)) 12px;
  justify-content: space-around;
  align-items: center;
}

.bottom-bar-item {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 2px;
  color: var(--gray-600);
  font-size: 0.72rem;
  font-weight: 700;
  padding: 4px 8px;
  border-radius: var(--radius-sm);
  transition: var(--transition-fast);
  min-width: 54px;
}

.bottom-bar-item:active {
  transform: scale(0.92);
}

.bottom-bar-icon {
  width: 32px;
  height: 32px;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: var(--transition-fast);
}

.bottom-bar-icon.call-icon-bg {
  background: rgba(15, 40, 78, 0.1);
  color: var(--primary);
}

.bottom-bar-icon.wa-icon-bg {
  background: rgba(37, 211, 102, 0.15);
  color: #25D366;
}

.bottom-bar-label {
  font-size: 0.7rem;
  font-weight: 700;
}

.bottom-bar-cta {
  background: var(--accent-gradient);
  color: var(--navy-900);
  padding: 8px 16px;
  border-radius: var(--radius-full);
  display: flex;
  flex-direction: column;
  align-items: center;
  box-shadow: 0 4px 14px rgba(229, 169, 59, 0.4);
  font-weight: 800;
  transition: transform var(--transition-fast);
}

.bottom-bar-cta:active {
  transform: scale(0.95);
}

.bottom-bar-cta-text {
  font-size: 0.85rem;
  line-height: 1.1;
}

.bottom-bar-cta-sub {
  font-size: 0.62rem;
  font-weight: 700;
  opacity: 0.9;
  text-transform: uppercase;
}

/* ==========================================================================
   Responsive Section Layout Grids
   ========================================================================== */
.consulting-steps-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 24px;
}

.consulting-step-card {
  background: var(--gray-50);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-lg);
  padding: 32px 24px;
  text-align: center;
  transition: transform var(--transition-fast);
}

.consulting-step-card:hover {
  transform: translateY(-4px);
}

.step-badge-circle {
  width: 56px;
  height: 56px;
  border-radius: 50%;
  color: #FFF;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  margin: 0 auto 20px auto;
  font-weight: 800;
}

.step-badge-circle.bg-navy { background: var(--primary); }
.step-badge-circle.bg-gold { background: var(--accent-dark); }
.step-badge-circle.bg-emerald { background: var(--emerald-dark); }
.step-badge-circle.bg-navy-dark { background: var(--navy-700); }

.consulting-step-card h3 {
  font-size: 1.25rem;
  margin-bottom: 10px;
  color: var(--navy-900);
}

.consulting-step-card p {
  color: var(--gray-600);
  font-size: 0.92rem;
  line-height: 1.6;
}

.milestone-grid {
  display: grid;
  grid-template-columns: 1.2fr 0.8fr;
  gap: 40px;
  align-items: center;
}

.milestone-btns-row {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
}

.milestone-img-col {
  display: flex;
  justify-content: center;
}

.milestone-trophy-img {
  max-height: 280px;
  border-radius: 16px;
  border: 2px solid var(--accent);
  box-shadow: var(--shadow-glow);
}

.why-choose-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 28px;
}

.why-choose-card {
  background: rgba(255, 255, 255, 0.05);
  border: 1px solid rgba(255, 255, 255, 0.1);
  border-radius: var(--radius-lg);
  padding: 32px;
  transition: transform var(--transition-fast);
}

.why-choose-card:hover {
  transform: translateY(-4px);
  border-color: rgba(229, 169, 59, 0.4);
}

.why-icon {
  font-size: 2.2rem;
  margin-bottom: 16px;
}

.why-choose-card h3 {
  font-size: 1.3rem;
  color: #FFFFFF;
  margin-bottom: 12px;
}

.why-choose-card p {
  color: var(--gray-300);
  font-size: 0.95rem;
  line-height: 1.65;
}

.testimonials-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(min(100%, 300px), 1fr));
  gap: 32px;
}

.faq-consult-grid {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 48px;
}

.quick-consult-box {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-xl);
  padding: 36px;
  box-shadow: var(--shadow-lg);
  position: sticky;
  top: 110px;
}

/* About Page Dossier & Values */
.dossier-card-wrapper {
  background: var(--gray-50);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-xl);
  padding: 48px;
  margin-bottom: 60px;
}

.dossier-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: center;
}

.dossier-checklist {
  display: flex;
  flex-direction: column;
  gap: 12px;
  margin-bottom: 28px;
}

.dossier-checklist li {
  display: flex;
  align-items: center;
  gap: 10px;
  font-weight: 600;
  color: var(--navy-900);
}

.dossier-img-box {
  background: var(--white);
  padding: 16px;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-md);
  border: 1px solid var(--gray-300);
  display: inline-block;
}

.values-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(min(100%, 280px), 1fr));
  gap: 32px;
}

.value-card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-lg);
  padding: 36px;
  box-shadow: var(--shadow-sm);
}

/* Products Page Details */
.product-deep-card {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 40px;
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-xl);
  overflow: hidden;
  box-shadow: var(--shadow-md);
}

.product-deep-img-box {
  height: 100%;
  min-height: 300px;
}

.product-deep-img-box img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.product-deep-content {
  padding: 40px;
  display: flex;
  flex-direction: column;
  justify-content: center;
}

.product-spec-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
  margin-bottom: 24px;
  font-size: 0.9rem;
}

.product-spec-item {
  background: var(--gray-50);
  padding: 12px;
  border-radius: 8px;
  border: 1px solid var(--gray-200);
}

.checklist-box-wrapper {
  background: var(--gray-50);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-xl);
  padding: 40px;
}

.checklist-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(min(100%, 280px), 1fr));
  gap: 24px;
}

.checklist-card {
  background: var(--white);
  padding: 24px;
  border-radius: var(--radius-md);
  border: 1px solid var(--gray-200);
}

/* Calculator Page Details */
.amortization-card-wrapper {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-xl);
  padding: 40px;
  margin-bottom: 60px;
  box-shadow: var(--shadow-lg);
}

.amortization-header-row {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 24px;
  flex-wrap: wrap;
  gap: 16px;
}

.table-swipe-badge {
  display: none;
  font-size: 0.8rem;
  color: var(--accent-dark);
  font-weight: 700;
  text-align: center;
  margin-bottom: 12px;
}

.table-responsive-wrapper {
  overflow-x: auto;
  -webkit-overflow-scrolling: touch;
}

.amortization-table {
  width: 100%;
  border-collapse: collapse;
  text-align: left;
  min-width: 520px;
}

.amortization-table th {
  background: var(--gray-100);
  color: var(--navy-900);
  font-size: 0.85rem;
  text-transform: uppercase;
  padding: 14px 12px;
}

.amortization-table td {
  padding: 12px;
}

.eligibility-card-wrapper {
  background: var(--gray-50);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-xl);
  padding: 48px;
  box-shadow: var(--shadow-md);
}

.eligibility-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
}

.eligibility-result-inner {
  background: linear-gradient(135deg, #0F284E 0%, #182846 100%);
  color: #fff;
  padding: 36px;
  border-radius: 20px;
  border: 1px solid var(--accent);
  box-shadow: var(--shadow-xl);
}

.elig-huge-val {
  font-size: clamp(2.2rem, 5vw, 2.8rem);
  font-weight: 800;
  color: #F9C768;
  margin: 8px 0 16px 0;
}

.elig-breakdown-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
  font-size: 0.95rem;
  border-top: 1px solid rgba(255,255,255,0.15);
  padding-top: 16px;
}

/* Contact Page Details */
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
}

.contact-methods-list {
  display: flex;
  flex-direction: column;
  gap: 24px;
  margin-bottom: 36px;
}

.contact-method-item {
  display: flex;
  gap: 16px;
  align-items: flex-start;
}

.contact-method-icon {
  width: 48px;
  height: 48px;
  border-radius: 12px;
  background: rgba(15, 40, 78, 0.08);
  color: var(--primary);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.2rem;
  flex-shrink: 0;
}

.direct-inquiry-box {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius-xl);
  padding: 40px;
  box-shadow: var(--shadow-lg);
}

.footer-cta-actions {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
}

.footer-disclaimer-box {
  background: rgba(255, 255, 255, 0.03);
  border: 1px solid rgba(255, 255, 255, 0.08);
  border-radius: var(--radius-md);
  padding: 18px 24px;
  margin-bottom: 24px;
  font-size: 0.8rem;
  color: var(--gray-400);
  line-height: 1.6;
}