/* ═══════════════════════════════════════════════════════════════════════════
   VYNARA FINANCE — Main Stylesheet
   ═══════════════════════════════════════════════════════════════════════════ */

/* ── Variables ─────────────────────────────────────────────────────────────── */
:root {
  --navy-950: #050d1a;
  --navy-900: #0a1628;
  --navy-800: #0d1f3d;
  --navy-700: #122347;
  --navy-600: #1a305e;
  --navy-500: #254278;
  --gold-500:  #c9a84c;
  --gold-400:  #d4b564;
  --gold-300:  #e0c97a;
  --gold-200:  #ecd98f;
  --white:     #ffffff;
  --text-muted: #8a9bb5;
  --text-light: #c5d0e0;
  --card-bg:   rgba(255,255,255,0.04);
  --card-border: rgba(255,255,255,0.08);
  --radius-sm: 8px;
  --radius-md: 14px;
  --radius-lg: 24px;
  --radius-xl: 36px;
  --shadow-gold: 0 0 40px rgba(201,168,76,0.15);
  --shadow-card: 0 8px 40px rgba(0,0,0,0.4);
  --transition: 0.35s cubic-bezier(0.4,0,0.2,1);
  --font-display: 'Playfair Display', Georgia, serif;
  --font-body: 'Inter', -apple-system, sans-serif;
}

/* ── Reset & Base ───────────────────────────────────────────────────────────── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
  font-family: var(--font-body);
  background: var(--navy-900);
  color: var(--white);
  line-height: 1.6;
  overflow-x: hidden;
}
img { max-width: 100%; height: auto; display: block; }
a { text-decoration: none; color: inherit; }
button { cursor: pointer; border: none; background: none; font-family: inherit; }
ul { list-style: none; }
input, textarea, select { font-family: inherit; }

/* ── Typography ─────────────────────────────────────────────────────────────── */
h1, h2, h3, h4 { line-height: 1.2; }
h1 { font-family: var(--font-display); font-size: clamp(2.4rem, 5vw, 4rem); font-weight: 700; }
h2 { font-family: var(--font-display); font-size: clamp(2rem, 4vw, 3rem); font-weight: 700; }
h3 { font-size: clamp(1.2rem, 2vw, 1.6rem); font-weight: 600; }
p  { color: var(--text-light); line-height: 1.75; }
.gold { color: var(--gold-500); }
.section-label {
  display: inline-flex; align-items: center; gap: 10px;
  font-size: 0.8rem; font-weight: 700; letter-spacing: 0.14em;
  text-transform: uppercase; color: var(--gold-500);
  margin-bottom: 1rem;
}
.section-label::before {
  content: ''; display: inline-block; width: 30px; height: 2px;
  background: var(--gold-500);
}
.section-title { margin-bottom: 0.6rem; }
.section-subtitle { color: var(--text-muted); font-size: 1.05rem; max-width: 600px; }

/* ── Layout ─────────────────────────────────────────────────────────────────── */
.container {
  width: min(1200px, 92%);
  margin: 0 auto;
}
section { padding: 100px 0; }

/* ── Buttons ────────────────────────────────────────────────────────────────── */
.btn {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 14px 28px; border-radius: 50px;
  font-size: 0.95rem; font-weight: 600;
  transition: var(--transition);
  white-space: nowrap;
}
.btn-primary {
  background: linear-gradient(135deg, var(--gold-500), var(--gold-400));
  color: var(--navy-900);
  box-shadow: 0 4px 20px rgba(201,168,76,0.35);
}
.btn-primary:hover {
  background: linear-gradient(135deg, var(--gold-400), var(--gold-300));
  box-shadow: 0 6px 30px rgba(201,168,76,0.5);
  transform: translateY(-2px);
}
.btn-outline {
  border: 1.5px solid rgba(255,255,255,0.25);
  color: var(--white);
}
.btn-outline:hover {
  border-color: var(--gold-500);
  color: var(--gold-500);
  background: rgba(201,168,76,0.06);
}
.btn-lg { padding: 17px 36px; font-size: 1rem; }
.btn-icon { font-size: 1.1em; }

/* ═══════════════════════════════════════════════════════════════════════════
   NAVBAR
   ═══════════════════════════════════════════════════════════════════════════ */
.navbar {
  position: fixed; top: 0; left: 0; right: 0; z-index: 1000;
  padding: 0 0;
  transition: var(--transition);
}
.navbar.scrolled {
  background: rgba(5,13,26,0.95);
  backdrop-filter: blur(20px);
  border-bottom: 1px solid var(--card-border);
  box-shadow: 0 4px 30px rgba(0,0,0,0.4);
}
.navbar-inner {
  display: flex; align-items: center; justify-content: space-between;
  height: 72px; width: min(1300px, 94%); margin: 0 auto;
}
.navbar-logo {
  display: flex; align-items: center; gap: 12px;
  font-weight: 800; font-size: 1.2rem; letter-spacing: 0.02em;
}
.navbar-logo .logo-icon {
  width: 42px; height: 42px;
  background: linear-gradient(135deg, var(--gold-500), var(--gold-300));
  border-radius: 10px;
  display: flex; align-items: center; justify-content: center;
  font-size: 1.4rem;
}
.navbar-logo .logo-name {
  display: flex; flex-direction: column; line-height: 1.1;
}
.navbar-logo .logo-name span:first-child { color: var(--white); font-size: 1.1rem; }
.navbar-logo .logo-name span:last-child { color: var(--gold-500); font-size: 0.7rem; font-weight: 400; letter-spacing: 0.12em; text-transform: uppercase; }
.navbar-nav {
  display: flex; align-items: center; gap: 6px;
}
.navbar-nav a {
  padding: 8px 14px; border-radius: 8px;
  font-size: 0.9rem; font-weight: 500; color: var(--text-light);
  transition: var(--transition);
}
.navbar-nav a:hover, .navbar-nav a.active {
  color: var(--white); background: rgba(255,255,255,0.07);
}
.navbar-right {
  display: flex; align-items: center; gap: 14px;
}

/* Language Switcher */
.lang-switcher {
  position: relative;
}
.lang-trigger {
  display: flex; align-items: center; gap: 8px;
  padding: 8px 14px; border-radius: 8px;
  border: 1px solid var(--card-border);
  background: var(--card-bg); cursor: pointer;
  font-size: 0.85rem; font-weight: 600; color: var(--white);
  transition: var(--transition);
}
.lang-trigger:hover { border-color: var(--gold-500); }
.lang-trigger .flag { font-size: 1.1rem; }
.lang-trigger .arrow {
  font-size: 0.6rem; transition: transform 0.25s ease;
  color: var(--text-muted); margin-left: 2px;
}
.lang-switcher.open .lang-trigger .arrow { transform: rotate(180deg); }
.lang-dropdown {
  position: absolute; top: calc(100% + 8px); right: 0;
  background: var(--navy-800);
  border: 1px solid var(--card-border);
  border-radius: var(--radius-md);
  min-width: 180px;
  opacity: 0; visibility: hidden; transform: translateY(-8px);
  transition: var(--transition);
  box-shadow: var(--shadow-card);
  overflow: hidden;
  z-index: 100;
}
.lang-switcher.open .lang-dropdown {
  opacity: 1; visibility: visible; transform: translateY(0);
}
.lang-option {
  display: flex; align-items: center; gap: 10px;
  padding: 11px 16px; cursor: pointer;
  font-size: 0.9rem; color: var(--text-light);
  transition: background 0.2s;
}
.lang-option:hover { background: rgba(255,255,255,0.06); color: var(--white); }
.lang-option.active { color: var(--gold-500); background: rgba(201,168,76,0.07); }
.lang-option .flag { font-size: 1.2rem; }
.lang-option .iso {
  margin-left: auto; font-size: 0.75rem;
  font-weight: 700; color: var(--text-muted);
}

/* Mobile menu */
.menu-toggle {
  display: none; flex-direction: column; gap: 5px;
  padding: 8px; border-radius: 8px; cursor: pointer;
}
.menu-toggle span {
  display: block; width: 22px; height: 2px;
  background: var(--white); border-radius: 2px;
  transition: var(--transition);
}
.menu-toggle.active span:nth-child(1) { transform: rotate(45deg) translate(5px, 5px); }
.menu-toggle.active span:nth-child(2) { opacity: 0; }
.menu-toggle.active span:nth-child(3) { transform: rotate(-45deg) translate(5px, -5px); }

/* ═══════════════════════════════════════════════════════════════════════════
   HERO SECTION
   ═══════════════════════════════════════════════════════════════════════════ */
.hero {
  min-height: 100vh;
  display: flex; align-items: center;
  background: linear-gradient(135deg, var(--navy-950) 0%, var(--navy-800) 50%, #0f1e3a 100%);
  position: relative; overflow: hidden;
  padding-top: 72px;
}
.hero::before {
  content: ''; position: absolute; inset: 0;
  background: radial-gradient(ellipse 70% 60% at 50% 50%, rgba(201,168,76,0.06) 0%, transparent 70%);
}
/* Grid dots */
.hero::after {
  content: ''; position: absolute; inset: 0;
  background-image: radial-gradient(circle, rgba(255,255,255,0.04) 1px, transparent 1px);
  background-size: 40px 40px;
  pointer-events: none;
}
.hero-inner {
  display: grid; grid-template-columns: 1fr 1fr;
  align-items: center; gap: 60px;
  padding: 60px 0 80px;
  position: relative; z-index: 1;
}
.hero-badge {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 8px 18px; border-radius: 50px;
  border: 1px solid rgba(201,168,76,0.3);
  background: rgba(201,168,76,0.08);
  font-size: 0.78rem; font-weight: 700; letter-spacing: 0.1em;
  color: var(--gold-500); margin-bottom: 1.8rem;
  text-transform: uppercase;
}
.hero-badge::before {
  content: ''; width: 7px; height: 7px; border-radius: 50%;
  background: var(--gold-500);
  animation: pulse-dot 2s ease-in-out infinite;
}
@keyframes pulse-dot {
  0%,100% { opacity: 1; transform: scale(1); }
  50%      { opacity: 0.5; transform: scale(0.7); }
}
.hero-title { margin-bottom: 1.4rem; }
.hero-title span { display: block; }
.hero-title .line2 { color: var(--gold-500); }
.hero-desc { font-size: 1.05rem; color: var(--text-light); margin-bottom: 2.4rem; max-width: 520px; }
.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; margin-bottom: 2.2rem; }
.hero-trust {
  display: flex; gap: 24px; flex-wrap: wrap;
}
.trust-item {
  display: flex; align-items: center; gap: 8px;
  font-size: 0.85rem; color: var(--text-muted);
}
.trust-item .check {
  width: 18px; height: 18px; border-radius: 50%;
  background: rgba(201,168,76,0.15);
  display: flex; align-items: center; justify-content: center;
  font-size: 0.6rem; color: var(--gold-500);
}

/* Hero Visual */
.hero-visual { position: relative; }
.hero-carousel {
  position: relative;
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: 0 20px 80px rgba(0,0,0,0.6);
  aspect-ratio: 4/3;
}
.carousel-slide {
  position: absolute; inset: 0;
  opacity: 0; transition: opacity 0.9s ease;
}
.carousel-slide.active { opacity: 1; }
.carousel-slide img { width: 100%; height: 100%; object-fit: cover; }
.carousel-overlay {
  position: absolute; inset: 0;
  background: linear-gradient(to top, rgba(5,13,26,0.7) 0%, transparent 50%);
}
.carousel-info {
  position: absolute; bottom: 24px; left: 24px; right: 24px;
}
.carousel-tag {
  display: inline-block; padding: 4px 12px; border-radius: 50px;
  background: rgba(201,168,76,0.85); color: var(--navy-900);
  font-size: 0.75rem; font-weight: 700; text-transform: uppercase;
  letter-spacing: 0.08em; margin-bottom: 8px;
}
.carousel-caption { font-size: 0.9rem; font-weight: 500; color: var(--white); }
.carousel-dots {
  position: absolute; bottom: 16px; right: 20px;
  display: flex; gap: 6px; z-index: 10;
}
.carousel-dot {
  width: 8px; height: 8px; border-radius: 50%;
  background: rgba(255,255,255,0.35);
  cursor: pointer; transition: var(--transition);
  border: none;
}
.carousel-dot.active {
  background: var(--gold-500); width: 24px; border-radius: 4px;
}

/* Stats Card */
.stats-card {
  position: absolute; bottom: -30px; left: -30px;
  background: rgba(10,22,40,0.95);
  border: 1px solid var(--card-border);
  border-radius: var(--radius-md);
  padding: 20px 28px;
  backdrop-filter: blur(20px);
  box-shadow: var(--shadow-card);
  display: grid; grid-template-columns: 1fr 1fr; gap: 20px;
  min-width: 280px;
}
.stat-item { text-align: center; }
.stat-value {
  font-size: 1.7rem; font-weight: 800;
  color: var(--gold-500); line-height: 1;
  font-feature-settings: 'tnum';
}
.stat-label { font-size: 0.72rem; color: var(--text-muted); margin-top: 4px; text-transform: uppercase; letter-spacing: 0.07em; }

/* ═══════════════════════════════════════════════════════════════════════════
   FEATURES SECTION
   ═══════════════════════════════════════════════════════════════════════════ */
.features { background: var(--navy-950); }
.features-grid {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px;
}
.feature-card {
  padding: 36px 30px;
  background: var(--card-bg);
  border: 1px solid var(--card-border);
  border-radius: var(--radius-md);
  transition: var(--transition);
  position: relative; overflow: hidden;
}
.feature-card::before {
  content: ''; position: absolute; top: 0; left: 0; right: 0;
  height: 2px; background: linear-gradient(90deg, transparent, var(--gold-500), transparent);
  transform: scaleX(0); transition: transform 0.4s ease;
}
.feature-card:hover::before { transform: scaleX(1); }
.feature-card:hover {
  border-color: rgba(201,168,76,0.25);
  background: rgba(255,255,255,0.06);
  transform: translateY(-4px);
  box-shadow: var(--shadow-gold);
}
.feature-icon {
  width: 64px; height: 64px;
  border-radius: var(--radius-sm);
  background: linear-gradient(135deg, rgba(201,168,76,0.12), rgba(201,168,76,0.06));
  border: 1px solid rgba(201,168,76,0.2);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 22px;
  font-size: 1.8rem;
}
.feature-card h3 { font-size: 1.15rem; margin-bottom: 10px; }
.feature-card p  { font-size: 0.9rem; color: var(--text-muted); }

/* ═══════════════════════════════════════════════════════════════════════════
   SERVICES SECTION
   ═══════════════════════════════════════════════════════════════════════════ */
.services { background: var(--navy-900); }
.services-header { text-align: center; margin-bottom: 60px; }
.services-header .section-subtitle { margin: 0 auto; }
.services-grid {
  display: grid; grid-template-columns: repeat(2, 1fr); gap: 28px;
}
.service-card {
  padding: 40px 36px;
  background: var(--card-bg);
  border: 1px solid var(--card-border);
  border-radius: var(--radius-lg);
  display: flex; gap: 24px;
  transition: var(--transition);
  position: relative; overflow: hidden;
}
.service-card::after {
  content: ''; position: absolute; bottom: 0; left: 0; right: 0;
  height: 2px; background: linear-gradient(90deg, var(--gold-500), transparent);
  transform: scaleX(0); transform-origin: left;
  transition: transform 0.4s ease;
}
.service-card:hover::after { transform: scaleX(1); }
.service-card:hover {
  border-color: rgba(201,168,76,0.2);
  background: rgba(255,255,255,0.05);
  transform: translateY(-4px);
  box-shadow: 0 16px 50px rgba(0,0,0,0.35);
}
.service-icon-wrap {
  flex-shrink: 0;
  width: 58px; height: 58px;
  background: linear-gradient(135deg, rgba(201,168,76,0.15), rgba(201,168,76,0.05));
  border: 1px solid rgba(201,168,76,0.25);
  border-radius: var(--radius-sm);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.6rem;
}
.service-content h3 { margin-bottom: 10px; font-size: 1.1rem; }
.service-content p  { font-size: 0.9rem; color: var(--text-muted); margin-bottom: 16px; }
.service-link {
  display: inline-flex; align-items: center; gap: 6px;
  font-size: 0.85rem; font-weight: 600; color: var(--gold-500);
  transition: gap 0.25s ease;
}
.service-link:hover { gap: 10px; }

/* ═══════════════════════════════════════════════════════════════════════════
   PROCESS SECTION
   ═══════════════════════════════════════════════════════════════════════════ */
.process { background: var(--navy-950); }
.process-header { text-align: center; margin-bottom: 70px; }
.process-grid {
  display: grid; grid-template-columns: repeat(4, 1fr); gap: 0;
  position: relative;
}
.process-grid::before {
  content: ''; position: absolute;
  top: 40px; left: calc(12.5% + 20px); right: calc(12.5% + 20px);
  height: 1px; background: linear-gradient(90deg, var(--gold-500) 0%, rgba(201,168,76,0.2) 100%);
}
.process-step { text-align: center; padding: 0 20px; position: relative; }
.step-num {
  width: 80px; height: 80px; border-radius: 50%;
  background: linear-gradient(135deg, rgba(201,168,76,0.18), rgba(201,168,76,0.06));
  border: 2px solid rgba(201,168,76,0.4);
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 24px;
  font-size: 1.6rem; font-weight: 800;
  color: var(--gold-500);
  position: relative; z-index: 1;
  transition: var(--transition);
}
.process-step:hover .step-num {
  background: linear-gradient(135deg, var(--gold-500), var(--gold-400));
  color: var(--navy-900); border-color: var(--gold-500);
  transform: scale(1.1);
}
.step-icon { font-size: 1.8rem; }
.process-step h3 { font-size: 1rem; margin-bottom: 10px; }
.process-step p  { font-size: 0.85rem; color: var(--text-muted); }

/* ═══════════════════════════════════════════════════════════════════════════
   ABOUT SECTION
   ═══════════════════════════════════════════════════════════════════════════ */
.about { background: var(--navy-900); }
.about-inner {
  display: grid; grid-template-columns: 1fr 1fr; gap: 80px; align-items: center;
}
.about-image {
  position: relative;
  border-radius: var(--radius-lg); overflow: hidden;
  aspect-ratio: 4/3;
  box-shadow: 0 20px 60px rgba(0,0,0,0.5);
}
.about-image img { width: 100%; height: 100%; object-fit: cover; }
.about-image-badge {
  position: absolute; bottom: 24px; left: 24px;
  background: rgba(5,13,26,0.92);
  border: 1px solid var(--card-border);
  border-radius: var(--radius-sm);
  padding: 14px 20px;
  backdrop-filter: blur(12px);
}
.about-image-badge .badge-value {
  font-size: 1.6rem; font-weight: 800; color: var(--gold-500);
}
.about-image-badge .badge-label {
  font-size: 0.75rem; color: var(--text-muted);
}
.about-text h2 { margin-bottom: 20px; }
.about-text p   { margin-bottom: 16px; }
.about-mission {
  margin-top: 32px;
  padding: 24px 28px;
  background: var(--card-bg);
  border: 1px solid var(--card-border);
  border-left: 3px solid var(--gold-500);
  border-radius: var(--radius-sm);
}
.about-mission h4 { font-size: 0.85rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.1em; color: var(--gold-500); margin-bottom: 8px; }
.about-mission p  { font-size: 0.95rem; }
.about-stats {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; margin-top: 36px;
}
.about-stat .value { font-size: 1.8rem; font-weight: 800; color: var(--gold-500); }
.about-stat .label { font-size: 0.8rem; color: var(--text-muted); }

/* ═══════════════════════════════════════════════════════════════════════════
   CTA SECTION
   ═══════════════════════════════════════════════════════════════════════════ */
.cta-section {
  background: linear-gradient(135deg, var(--navy-800), var(--navy-950));
  border-top: 1px solid var(--card-border);
  border-bottom: 1px solid var(--card-border);
  padding: 90px 0;
  text-align: center;
  position: relative; overflow: hidden;
}
.cta-section::before {
  content: ''; position: absolute; inset: 0;
  background: radial-gradient(ellipse 60% 80% at 50% 50%, rgba(201,168,76,0.07) 0%, transparent 70%);
}
.cta-section .container { position: relative; z-index: 1; }
.cta-section h2 { margin-bottom: 16px; }
.cta-section p   { max-width: 500px; margin: 0 auto 36px; font-size: 1.05rem; }
.cta-actions { display: flex; gap: 16px; justify-content: center; flex-wrap: wrap; }

/* ═══════════════════════════════════════════════════════════════════════════
   CONTACT SECTION
   ═══════════════════════════════════════════════════════════════════════════ */
.contact { background: var(--navy-950); }
.contact-inner {
  display: grid; grid-template-columns: 1fr 1.5fr; gap: 60px; align-items: start;
}
.contact-info h2 { margin-bottom: 16px; }
.contact-info p   { margin-bottom: 32px; }
.contact-items { display: flex; flex-direction: column; gap: 20px; }
.contact-item {
  display: flex; align-items: flex-start; gap: 16px;
}
.contact-item-icon {
  width: 46px; height: 46px; flex-shrink: 0;
  background: var(--card-bg); border: 1px solid var(--card-border);
  border-radius: var(--radius-sm);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.1rem;
}
.contact-item h4 { font-size: 0.8rem; color: var(--text-muted); text-transform: uppercase; letter-spacing: 0.1em; margin-bottom: 4px; }
.contact-item p   { font-size: 0.95rem; color: var(--white); }
.contact-form-wrap {
  background: var(--card-bg);
  border: 1px solid var(--card-border);
  border-radius: var(--radius-lg);
  padding: 40px;
}

/* ═══════════════════════════════════════════════════════════════════════════
   FORMS
   ═══════════════════════════════════════════════════════════════════════════ */
.form-group { margin-bottom: 20px; }
.form-label {
  display: block; font-size: 0.85rem; font-weight: 600;
  color: var(--text-light); margin-bottom: 8px;
}
.form-input, .form-textarea, .form-select {
  width: 100%;
  padding: 13px 16px;
  background: rgba(255,255,255,0.05);
  border: 1.5px solid var(--card-border);
  border-radius: var(--radius-sm);
  color: var(--white);
  font-size: 0.95rem;
  transition: border-color 0.25s ease;
  outline: none;
}
.form-input::placeholder, .form-textarea::placeholder { color: var(--text-muted); }
.form-input:focus, .form-textarea:focus, .form-select:focus {
  border-color: var(--gold-500);
  background: rgba(201,168,76,0.04);
}
.form-select { appearance: none; cursor: pointer; }
.form-select option { background: var(--navy-800); color: var(--white); }
.form-textarea { resize: vertical; min-height: 120px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-submit { width: 100%; padding: 15px; border-radius: 50px; }
.form-note { font-size: 0.78rem; color: var(--text-muted); text-align: center; margin-top: 12px; }
.form-alert {
  padding: 12px 16px; border-radius: var(--radius-sm);
  margin-bottom: 18px; font-size: 0.9rem; display: none;
}
.form-alert.success { background: rgba(46,213,115,0.12); border: 1px solid rgba(46,213,115,0.3); color: #2ed573; }
.form-alert.error   { background: rgba(255,71,87,0.12); border: 1px solid rgba(255,71,87,0.3); color: #ff4757; }
.form-alert.show { display: block; }

/* ═══════════════════════════════════════════════════════════════════════════
   APPLY PAGE
   ═══════════════════════════════════════════════════════════════════════════ */
.apply { background: var(--navy-950); }
.apply-inner { max-width: 760px; margin: 0 auto; }
.apply-header { text-align: center; margin-bottom: 48px; }
.apply-card {
  background: var(--card-bg);
  border: 1px solid var(--card-border);
  border-radius: var(--radius-lg);
  padding: 50px;
}
.loan-range {
  display: flex; align-items: center; justify-content: space-between;
  padding: 18px 24px;
  background: rgba(201,168,76,0.06);
  border: 1px solid rgba(201,168,76,0.15);
  border-radius: var(--radius-sm);
  margin-bottom: 28px;
  font-size: 0.9rem;
}
.loan-range .range-label { color: var(--text-muted); }
.loan-range .range-value { font-weight: 700; color: var(--gold-500); }

/* ═══════════════════════════════════════════════════════════════════════════
   PAGE HERO (inner pages)
   ═══════════════════════════════════════════════════════════════════════════ */
.page-hero {
  padding: 140px 0 80px;
  background: linear-gradient(135deg, var(--navy-950) 0%, var(--navy-800) 100%);
  position: relative; overflow: hidden; text-align: center;
}
.page-hero::after {
  content: ''; position: absolute; inset: 0;
  background-image: radial-gradient(circle, rgba(255,255,255,0.03) 1px, transparent 1px);
  background-size: 40px 40px;
}
.page-hero .container { position: relative; z-index: 1; }
.page-hero h1 { margin-bottom: 16px; }
.page-hero p  { max-width: 580px; margin: 0 auto; font-size: 1.1rem; }

/* ═══════════════════════════════════════════════════════════════════════════
   FOOTER
   ═══════════════════════════════════════════════════════════════════════════ */
.footer {
  background: var(--navy-950);
  border-top: 1px solid var(--card-border);
  padding: 70px 0 30px;
}
.footer-grid {
  display: grid; grid-template-columns: 2fr 1fr 1fr 1.5fr; gap: 50px;
  margin-bottom: 50px;
}
.footer-brand .navbar-logo { margin-bottom: 16px; }
.footer-brand p { font-size: 0.9rem; color: var(--text-muted); max-width: 280px; margin-bottom: 24px; }
.footer-socials { display: flex; gap: 10px; }
.social-btn {
  width: 38px; height: 38px; border-radius: 8px;
  background: var(--card-bg); border: 1px solid var(--card-border);
  display: flex; align-items: center; justify-content: center;
  font-size: 0.9rem; color: var(--text-muted);
  transition: var(--transition);
}
.social-btn:hover { border-color: var(--gold-500); color: var(--gold-500); background: rgba(201,168,76,0.08); }
.footer-col h4 {
  font-size: 0.85rem; font-weight: 700; text-transform: uppercase;
  letter-spacing: 0.1em; color: var(--white); margin-bottom: 18px;
}
.footer-links { display: flex; flex-direction: column; gap: 10px; }
.footer-links a {
  font-size: 0.9rem; color: var(--text-muted);
  transition: color 0.25s ease;
}
.footer-links a:hover { color: var(--gold-500); }
.footer-contact-info { display: flex; flex-direction: column; gap: 12px; }
.footer-contact-info p { font-size: 0.9rem; }
.footer-contact-info span { color: var(--text-muted); }
.footer-bottom {
  border-top: 1px solid var(--card-border); padding-top: 28px;
  display: flex; align-items: center; justify-content: space-between; flex-wrap: wrap; gap: 12px;
}
.footer-bottom p { font-size: 0.82rem; color: var(--text-muted); }
.footer-legal { display: flex; gap: 20px; }
.footer-legal a { font-size: 0.82rem; color: var(--text-muted); transition: color 0.25s; }
.footer-legal a:hover { color: var(--gold-500); }

/* ═══════════════════════════════════════════════════════════════════════════
   WHATSAPP BUTTON
   ═══════════════════════════════════════════════════════════════════════════ */
.whatsapp-btn {
  position: fixed; bottom: 28px; right: 28px; z-index: 999;
  width: 58px; height: 58px; border-radius: 50%;
  background: #25D366;
  display: flex; align-items: center; justify-content: center;
  box-shadow: 0 6px 24px rgba(37,211,102,0.45);
  transition: var(--transition);
  font-size: 1.5rem;
}
.whatsapp-btn:hover {
  transform: scale(1.1) translateY(-3px);
  box-shadow: 0 10px 32px rgba(37,211,102,0.6);
}
.whatsapp-btn svg { width: 28px; height: 28px; fill: #fff; }
.whatsapp-tooltip {
  position: absolute; right: calc(100% + 12px); top: 50%; transform: translateY(-50%);
  background: rgba(5,13,26,0.95); border: 1px solid var(--card-border);
  border-radius: 8px; padding: 8px 14px; white-space: nowrap;
  font-size: 0.8rem; font-weight: 600; color: var(--white);
  opacity: 0; visibility: hidden; transition: var(--transition);
  pointer-events: none;
}
.whatsapp-btn:hover .whatsapp-tooltip { opacity: 1; visibility: visible; }

/* ═══════════════════════════════════════════════════════════════════════════
   ADMIN PANEL
   ═══════════════════════════════════════════════════════════════════════════ */
.admin-body {
  background: #0f1623; color: #e8edf5; font-family: var(--font-body);
  min-height: 100vh;
}
.admin-login {
  min-height: 100vh; display: flex; align-items: center; justify-content: center;
  background: linear-gradient(135deg, #0a1628, #0d1f3d);
}
.login-box {
  background: rgba(255,255,255,0.04);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: 20px; padding: 52px 48px;
  width: min(440px, 92%);
  box-shadow: 0 20px 60px rgba(0,0,0,0.5);
}
.login-box .logo-wrap { text-align: center; margin-bottom: 36px; }
.login-box .logo-wrap .logo-icon {
  width: 64px; height: 64px; background: linear-gradient(135deg, var(--gold-500), var(--gold-300));
  border-radius: 16px; display: flex; align-items: center; justify-content: center;
  font-size: 2rem; margin: 0 auto 14px;
}
.login-box h1 { text-align: center; font-size: 1.5rem; margin-bottom: 6px; }
.login-box .sub { text-align: center; font-size: 0.85rem; color: var(--text-muted); }
.login-box .form-group { margin-bottom: 22px; }
.admin-header {
  background: rgba(5,13,26,0.95); border-bottom: 1px solid rgba(255,255,255,0.08);
  display: flex; align-items: center; justify-content: space-between;
  padding: 0 30px; height: 62px;
  position: sticky; top: 0; z-index: 100;
}
.admin-logo { font-weight: 800; font-size: 1.1rem; display: flex; align-items: center; gap: 10px; }
.admin-logo span { color: var(--gold-500); }
.admin-user { display: flex; align-items: center; gap: 12px; }
.admin-avatar {
  width: 36px; height: 36px; border-radius: 50%;
  background: linear-gradient(135deg, var(--gold-500), var(--gold-300));
  display: flex; align-items: center; justify-content: center;
  font-weight: 700; font-size: 0.85rem; color: var(--navy-900);
}
.admin-layout { display: flex; min-height: calc(100vh - 62px); }
.admin-sidebar {
  width: 240px; flex-shrink: 0;
  background: rgba(5,13,26,0.7);
  border-right: 1px solid rgba(255,255,255,0.06);
  padding: 24px 0;
}
.admin-nav-item {
  display: flex; align-items: center; gap: 12px;
  padding: 12px 24px; cursor: pointer;
  font-size: 0.9rem; color: #8a9bb5;
  transition: all 0.2s; border-left: 3px solid transparent;
  text-decoration: none; border-right: none;
}
.admin-nav-item:hover { background: rgba(255,255,255,0.05); color: #fff; }
.admin-nav-item.active { background: rgba(201,168,76,0.08); color: var(--gold-500); border-left-color: var(--gold-500); }
.admin-nav-icon { font-size: 1.1rem; width: 22px; text-align: center; }
.admin-content { flex: 1; padding: 32px; overflow-x: auto; }
.admin-page-title { font-size: 1.5rem; font-weight: 700; margin-bottom: 8px; }
.admin-page-sub { color: var(--text-muted); font-size: 0.9rem; margin-bottom: 32px; }
.admin-cards { display: grid; grid-template-columns: repeat(auto-fit, minmax(200px, 1fr)); gap: 20px; margin-bottom: 32px; }
.admin-card {
  background: rgba(255,255,255,0.04); border: 1px solid rgba(255,255,255,0.08);
  border-radius: 14px; padding: 24px 22px;
}
.admin-card .card-label { font-size: 0.78rem; color: var(--text-muted); text-transform: uppercase; letter-spacing: 0.1em; margin-bottom: 10px; }
.admin-card .card-value { font-size: 2rem; font-weight: 800; color: var(--gold-500); }
.admin-table-wrap {
  background: rgba(255,255,255,0.03); border: 1px solid rgba(255,255,255,0.07);
  border-radius: 14px; overflow: hidden;
}
.admin-table { width: 100%; border-collapse: collapse; }
.admin-table th {
  padding: 13px 18px; text-align: left;
  font-size: 0.75rem; font-weight: 700; text-transform: uppercase;
  letter-spacing: 0.1em; color: var(--text-muted);
  background: rgba(255,255,255,0.03);
  border-bottom: 1px solid rgba(255,255,255,0.06);
}
.admin-table td {
  padding: 14px 18px; font-size: 0.9rem;
  border-bottom: 1px solid rgba(255,255,255,0.04); color: #c5d0e0;
}
.admin-table tr:last-child td { border-bottom: none; }
.admin-table tr:hover td { background: rgba(255,255,255,0.025); }
.badge-status {
  display: inline-block; padding: 3px 10px; border-radius: 50px;
  font-size: 0.72rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.06em;
}
.badge-pending  { background: rgba(255,193,7,0.15); color: #ffc107; }
.badge-reviewing{ background: rgba(13,202,240,0.15); color: #0dcaf0; }
.badge-approved { background: rgba(46,213,115,0.15); color: #2ed573; }
.badge-rejected { background: rgba(255,71,87,0.15); color: #ff4757; }
.badge-unread   { background: rgba(201,168,76,0.15); color: var(--gold-500); }
.admin-settings-form {
  background: rgba(255,255,255,0.03); border: 1px solid rgba(255,255,255,0.07);
  border-radius: 14px; padding: 32px; max-width: 600px;
}
.admin-settings-form h3 { margin-bottom: 24px; font-size: 1.1rem; }
.admin-btn {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 11px 22px; border-radius: 8px; font-size: 0.9rem;
  font-weight: 600; cursor: pointer; transition: var(--transition); border: none;
}
.admin-btn-primary { background: var(--gold-500); color: var(--navy-900); }
.admin-btn-primary:hover { background: var(--gold-300); }
.admin-btn-danger  { background: rgba(255,71,87,0.15); color: #ff4757; border: 1px solid rgba(255,71,87,0.3); }
.admin-btn-danger:hover { background: rgba(255,71,87,0.25); }
.admin-section-title { font-size: 1rem; font-weight: 700; margin-bottom: 18px; display: flex; align-items: center; gap: 8px; }

/* ═══════════════════════════════════════════════════════════════════════════
   SCROLL ANIMATIONS
   ═══════════════════════════════════════════════════════════════════════════ */
[data-aos] {
  opacity: 0;
  transition: opacity 0.7s ease, transform 0.7s ease;
}
[data-aos="fade-up"]   { transform: translateY(40px); }
[data-aos="fade-left"] { transform: translateX(-40px); }
[data-aos="fade-right"]{ transform: translateX(40px); }
[data-aos="zoom-in"]   { transform: scale(0.88); }
[data-aos].aos-animate {
  opacity: 1; transform: none;
}
.delay-100 { transition-delay: 0.1s !important; }
.delay-200 { transition-delay: 0.2s !important; }
.delay-300 { transition-delay: 0.3s !important; }
.delay-400 { transition-delay: 0.4s !important; }

/* Loading screen */
.page-loader {
  position: fixed; inset: 0; z-index: 9999;
  background: var(--navy-950);
  display: flex; align-items: center; justify-content: center;
  transition: opacity 0.5s ease, visibility 0.5s ease;
}
.page-loader.hidden { opacity: 0; visibility: hidden; }
.loader-logo {
  display: flex; flex-direction: column; align-items: center; gap: 20px;
}
.loader-logo .logo-icon {
  width: 64px; height: 64px;
  background: linear-gradient(135deg, var(--gold-500), var(--gold-300));
  border-radius: 16px; display: flex; align-items: center; justify-content: center;
  font-size: 2rem; animation: loader-pulse 1.5s ease-in-out infinite;
}
@keyframes loader-pulse {
  0%,100% { transform: scale(1); box-shadow: 0 0 0 0 rgba(201,168,76,0.4); }
  50%      { transform: scale(1.05); box-shadow: 0 0 0 16px rgba(201,168,76,0); }
}
.loader-bar {
  width: 160px; height: 3px;
  background: rgba(255,255,255,0.08); border-radius: 2px; overflow: hidden;
}
.loader-bar-fill {
  height: 100%; background: linear-gradient(90deg, var(--gold-500), var(--gold-300));
  border-radius: 2px; animation: loader-fill 1.2s ease-in-out forwards;
}
@keyframes loader-fill {
  from { width: 0; }
  to   { width: 100%; }
}

/* ═══════════════════════════════════════════════════════════════════════════
   RESPONSIVE
   ═══════════════════════════════════════════════════════════════════════════ */
@media (max-width: 1100px) {
  .footer-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 900px) {
  .navbar-nav { display: none; }
  .menu-toggle { display: flex; }
  .mobile-nav {
    position: fixed; inset: 0; top: 72px; z-index: 999;
    background: rgba(5,13,26,0.98); backdrop-filter: blur(20px);
    display: flex; flex-direction: column; align-items: flex-start;
    padding: 30px 24px; gap: 8px;
    transform: translateX(100%); transition: transform 0.35s ease;
  }
  .mobile-nav.open { transform: translateX(0); }
  .mobile-nav a {
    font-size: 1.1rem; font-weight: 600; color: var(--text-light);
    padding: 12px 0; border-bottom: 1px solid rgba(255,255,255,0.06);
    width: 100%; display: block;
    transition: color 0.2s;
  }
  .mobile-nav a:hover { color: var(--gold-500); }
  .hero-inner { grid-template-columns: 1fr; gap: 50px; }
  .stats-card { position: static; margin-top: 20px; width: 100%; }
  .features-grid  { grid-template-columns: 1fr; }
  .services-grid  { grid-template-columns: 1fr; }
  .process-grid   { grid-template-columns: 1fr 1fr; gap: 40px; }
  .process-grid::before { display: none; }
  .about-inner    { grid-template-columns: 1fr; }
  .contact-inner  { grid-template-columns: 1fr; }
  .apply-card { padding: 32px 24px; }
}
@media (max-width: 600px) {
  section { padding: 70px 0; }
  .hero-actions { flex-direction: column; }
  .hero-actions .btn { width: 100%; justify-content: center; }
  .footer-grid    { grid-template-columns: 1fr; }
  .process-grid   { grid-template-columns: 1fr; }
  .form-row       { grid-template-columns: 1fr; }
  .hero-trust     { flex-direction: column; gap: 12px; }
  .admin-layout   { flex-direction: column; }
  .admin-sidebar  { width: 100%; }
  .cta-actions    { flex-direction: column; align-items: center; }
}