/* Remove card box-shadows for sub-pages */
body.subpage .about-intro-card,
body.subpage .value-card,
body.subpage .story-panel,
body.subpage .stats-wrap,
body.subpage .services-intro-card,
body.subpage .service-card,
body.subpage .process-panel,
body.subpage .process-step,
body.subpage .contact-card,
body.subpage .contact-wrap,
body.subpage .contact-copy {
    box-shadow: none !important;
}
/* ===== CSS VARIABLES ===== */
:root {
    --navy:       #06135e;
    --navy-mid:   #0b1d84;
    --navy-light: #1f36b4;
    --gold:       #2d49e6;
    --gold-light: #5870f4;
    --gold-pale:  #dce5ff;
    --cream:      #f5f6f8;
    --white:      #ffffff;
    --text-muted: #60709a;
    --text-body:  #1f2a4a;
    --border:     rgba(45, 73, 230, 0.24);
    --glass:      rgba(11, 29, 132, 0.72);
    --radius:     4px;
    --radius-lg:  10px;
    --shadow-gold: 0 8px 40px rgba(45,73,230,0.18);
    --shadow-deep: 0 20px 60px rgba(0,0,0,0.4);
    --transition:  0.35s cubic-bezier(0.4, 0, 0.2, 1);
}

/* ===== RESET & BASE ===== */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

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

body {
    background: var(--cream);
    color: var(--text-body);
    font-family: 'Tw Cen MT', 'Trebuchet MS', 'Century Gothic', sans-serif;
    font-weight: 400;
    line-height: 1.7;
    overflow-x: hidden;
}

.preloader {
	position: fixed;
	background: url(../images/loader.gif) center center #fff no-repeat;
	width: 100%;
	height: 100%;
	z-index: 9999;
	top: 0;
	left: 0;
}

h1, h2, h3, h4 {
    font-family: 'Tw Cen MT', 'Trebuchet MS', 'Century Gothic', sans-serif;
    color: var(--navy-mid);
    line-height: 1.2;
}

a { text-decoration: none; color: inherit; }
img { max-width: 100%; }

/* ===== NOISE TEXTURE OVERLAY ===== */
body::before {
    content: '';
    position: fixed;
    inset: 0;
    background-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 256 256' xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='noise'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.9' numOctaves='4' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23noise)' opacity='0.04'/%3E%3C/svg%3E");
    pointer-events: none;
    z-index: 9999;
    opacity: 0.35;
}

/* ===== UTILITIES ===== */
.gold { color: var(--gold); }
.gold-line {
    display: inline-block;
    width: 48px; height: 2px;
    background: linear-gradient(90deg, var(--gold), transparent);
    margin-bottom: 1.2rem;
}
.section-label {
    font-family: 'Tw Cen MT', 'Trebuchet MS', 'Century Gothic', sans-serif;
    font-size: 0.72rem;
    letter-spacing: 0.22em;
    text-transform: uppercase;
    color: var(--gold);
    margin-bottom: 0.6rem;
    display: block;
}
.btn-gold {
    background: linear-gradient(135deg, var(--gold) 0%, #1f36b4 100%);
    color: var(--gold-pale) !important;
    font-weight: 600;
    font-size: 0.88rem;
    letter-spacing: 0.06em;
    padding: 0.78rem 2.2rem;
    border: none;
    border-radius: var(--radius);
    transition: var(--transition);
    box-shadow: 0 4px 20px rgba(45,73,230,0.25);
    position: relative;
    overflow: hidden;
}
.btn-gold::after {
    content: '';
    position: absolute;
    inset: 0;
    background: rgba(255,255,255,0.15);
    opacity: 0;
    transition: opacity 0.25s;
}
.btn-gold:hover::after { opacity: 1; }
.btn-gold:hover {
    box-shadow: 0 6px 30px rgba(45,73,230,0.4);
    transform: translateY(-2px);
}
.btn-outline-gold {
    background: transparent;
    color: var(--gold-pale) !important;
    font-weight: 500;
    font-size: 0.88rem;
    letter-spacing: 0.06em;
    padding: 0.72rem 2rem;
    border: 1px solid var(--gold);
    border-radius: var(--radius);
    transition: var(--transition);
}
.btn-outline-gold:hover {
    background: rgba(45,73,230,0.08);
    transform: translateY(-2px);
}

/* Animate on scroll */
.aos-item {
    opacity: 0;
    transform: translateY(30px);
    transition: opacity 0.7s ease, transform 0.7s ease;
}
.aos-item.visible {
    opacity: 1;
    transform: translateY(0);
}
.aos-item.delay-1 { transition-delay: 0.1s; }
.aos-item.delay-2 { transition-delay: 0.2s; }
.aos-item.delay-3 { transition-delay: 0.3s; }
.aos-item.delay-4 { transition-delay: 0.4s; }

/* ===== NAVBAR ===== */
#mainNav {
    position: fixed;
    top: 0; left: 0; right: 0;
    z-index: 1000;
    padding: 1.4rem 0;
    transition: background 0.4s ease, padding 0.3s ease, box-shadow 0.3s ease;
}
#mainNav.scrolled {
    background: rgba(255, 255, 255, 0.96);
    backdrop-filter: blur(16px);
    -webkit-backdrop-filter: blur(16px);
    padding: 0.8rem 0;
    box-shadow: 0 2px 30px rgba(24, 38, 83, 0.12);
    border-bottom: 1px solid var(--border);
}
#mainNav.scrolled .brand-text { color: var(--navy-mid); }
#mainNav.scrolled .navbar-nav .nav-link { color: var(--navy-mid) !important; }
.navbar-brand {
    display: flex;
    align-items: center;
    gap: 0.6rem;
}
.brand-icon {
    width: 36px; height: 36px;
    background: linear-gradient(135deg, var(--gold), #1f36b4);
    border-radius: 6px;
    display: flex; align-items: center; justify-content: center;
    font-size: 1rem;
    color: var(--navy);
    font-weight: 700;
}
.brand-text {
    font-family: 'Tw Cen MT', 'Trebuchet MS', 'Century Gothic', sans-serif;
    font-size: 1.2rem;
    font-weight: 600;
    color: var(--white);
    letter-spacing: 0.01em;
}
.brand-text span { color: var(--gold); }

.navbar-nav .nav-link {
    color: rgba(255,255,255,0.72) !important;
    font-size: 0.875rem;
    font-weight: 400;
    letter-spacing: 0.04em;
    padding: 0.5rem 1rem !important;
    transition: color 0.25s;
    position: relative;
}
.navbar-nav .nav-link::after {
    content: '';
    position: absolute;
    bottom: 0; left: 1rem; right: 1rem;
    height: 1px;
    background: var(--gold);
    transform: scaleX(0);
    transition: transform 0.25s;
}
.navbar-nav .nav-link:hover { color: var(--white) !important; }
.navbar-nav .nav-link:hover::after { transform: scaleX(1); }
.navbar-nav .nav-link.active {
    color: var(--white) !important;
}
.navbar-nav .nav-link.active::after {
    transform: scaleX(1);
}

#mainNav.scrolled .navbar-nav .nav-link.active {
    color: var(--navy-mid) !important;
}

#mainNav .btn.btn-gold.active {
    box-shadow: 0 0 0 2px rgba(230, 184, 77, 0.3);
}

/* Sub-pages keep dark nav links visible before scroll */
body.subpage #mainNav {
    background: rgba(255, 255, 255, 0.96);
    backdrop-filter: blur(16px);
    -webkit-backdrop-filter: blur(16px);
    border-bottom: 1px solid var(--border);
}
body.subpage #mainNav .navbar-nav .nav-link {
    color: var(--navy-mid) !important;
}
body.subpage #mainNav .navbar-nav .nav-link:hover {
    color: var(--navy) !important;
}
body.subpage #mainNav .navbar-nav .nav-link.active {
    color: var(--navy) !important;
}

.navbar-toggler {
    border: 1px solid var(--border);
    padding: 0.4rem 0.7rem;
}
.navbar-toggler-icon {
    background-image: url("data:image/svg+xml,%3csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 30 30'%3e%3cpath stroke='rgba%2845,73,230,0.9%29' stroke-linecap='round' stroke-miterlimit='10' stroke-width='2' d='M4 7h22M4 15h22M4 23h22'/%3e%3c/svg%3e");
}

/* ===== HERO ===== */
#hero {
    min-height: 90vh;
    display: flex;
    align-items: center;
    position: relative;
    overflow: hidden;
    padding: 7rem 0 4rem;
}

/* geometric bg */
.hero-bg {
    position: absolute;
    inset: 0;
    background:
    radial-gradient(ellipse 70% 60% at 70% 50%, rgba(45,73,230,0.06) 0%, transparent 60%),
    radial-gradient(ellipse 50% 80% at 20% 30%, rgba(31,54,180,0.8) 0%, transparent 70%),
    linear-gradient(160deg, #0b1629 0%, #112240 60%, #0f2aa8 100%);
}
.hero-grid {
    position: absolute;
    inset: 0;
    background-image:
    linear-gradient(rgba(45,73,230,0.05) 1px, transparent 1px),
    linear-gradient(90deg, rgba(45,73,230,0.05) 1px, transparent 1px);
    background-size: 60px 60px;
    mask-image: radial-gradient(ellipse 70% 80% at 65% 50%, black 30%, transparent 80%);
}
/* Floating orb */
.hero-orb {
    position: absolute;
    border-radius: 50%;
    filter: blur(80px);
    animation: orbFloat 8s ease-in-out infinite;
}
.orb-1 {
    width: 500px; height: 500px;
    right: -100px; top: 50%;
    transform: translateY(-50%);
    background: radial-gradient(circle, rgba(45,73,230,0.12) 0%, transparent 70%);
    animation-delay: 0s;
}
.orb-2 {
    width: 300px; height: 300px;
    right: 15%; top: 20%;
    background: radial-gradient(circle, rgba(31,54,180,0.6) 0%, transparent 70%);
    animation-delay: -4s;
}
@keyframes orbFloat {
    0%, 100% { transform: translateY(-50%) scale(1); }
    50% { transform: translateY(calc(-50% - 30px)) scale(1.05); }
}

.hero-content { position: relative; z-index: 2; }

.hero-eyebrow {
    display: inline-flex;
    align-items: center;
    gap: 0.6rem;
    background: var(--gold-pale);
    border: 1px solid var(--gold-light);
    border-radius: 100px;
    padding: 0.35rem 1rem;
    font-family: 'Tw Cen MT', 'Trebuchet MS', 'Century Gothic', sans-serif;
    font-size: 0.72rem;
    letter-spacing: 0.14em;
    text-transform: uppercase;
    color: var(--gold-light);
    margin-bottom: 1.8rem;
    opacity: 0;
    animation: fadeSlideUp 0.8s 0.2s ease forwards;
}
.hero-eyebrow .dot {
    width: 6px; height: 6px;
    border-radius: 50%;
    background: var(--gold);
    animation: pulse 2s infinite;
}
@keyframes pulse {
    0%, 100% { opacity: 1; transform: scale(1); }
    50% { opacity: 0.4; transform: scale(0.8); }
}

.hero-headline {
    font-size: clamp(2.8rem, 6vw, 4.2rem);
    font-weight: 700;
    line-height: 1.08;
    color: var(--white);
    margin-bottom: 1rem;
    opacity: 0;
    animation: fadeSlideUp 0.9s 0.4s ease forwards;
}
.hero-headline em {
    font-style: italic;
    color: var(--gold);
    background: linear-gradient(135deg, var(--gold), var(--gold-light));
    -webkit-background-clip: text;
    -webkit-text-fill-color: transparent;
    background-clip: text;
}

.hero-sub {
    font-size: 1.08rem;
    color: var(--gold-pale);
    max-width: 500px;
    margin-bottom: 2rem;
    font-weight: 300;
    opacity: 0;
    animation: fadeSlideUp 0.9s 0.6s ease forwards;
}

.hero-actions {
    display: flex;
    gap: 1rem;
    flex-wrap: wrap;
    opacity: 0;
    animation: fadeSlideUp 0.9s 0.8s ease forwards;
}

/* Hero stats strip */
.hero-stats {
    margin-top: 2rem;
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 1.8rem 2.2rem;
    opacity: 0;
    animation: fadeSlideUp 0.9s 1s ease forwards;
}
.stat-item { border-left: 2px solid var(--border); padding-left: 1.4rem; min-width: 0; }
.stat-number {
    font-family: 'Tw Cen MT', 'Trebuchet MS', 'Century Gothic', sans-serif;
    font-size: 2rem;
    font-weight: 700;
    color: var(--white);
    line-height: 1;
}
.stat-number span { color: var(--gold); }
.stat-label {
    font-size: 0.78rem;
    color: var(--text-muted);
    letter-spacing: 0.06em;
    margin-top: 0.2rem;
}

/* Hero visual panel */
.hero-visual {
    position: relative;
    z-index: 2;
    opacity: 0;
    animation: fadeSlideUp 1s 0.5s ease forwards;
}
.hero-carousel {
    border-radius: 16px;
    overflow: hidden;
    box-shadow: 0 18px 36px rgba(16, 33, 90, 0.22);
    margin-bottom: 1.3rem;
    border: 1px solid rgba(255, 255, 255, 0.2);
}
.hero-slide {
    position: relative;
    min-height: 220px;
    display: flex;
    align-items: flex-end;
    padding: 1.1rem 1.2rem;
    background-size: cover;
    background-position: center;
}
.hero-slide::before {
    content: '';
    position: absolute;
    inset: 0;
    background: linear-gradient(180deg, rgba(6,19,94,0.05) 25%, rgba(6,19,94,0.78) 100%);
}
.hero-slide-caption {
    position: relative;
    z-index: 1;
    color: #fff;
    font-size: 0.86rem;
    letter-spacing: 0.04em;
    text-transform: uppercase;
}
.hero-carousel .owl-dots {
    position: absolute;
    bottom: 8px;
    left: 0;
    right: 0;
    margin: 0;
}
.hero-carousel .owl-dots .owl-dot span {
    width: 8px;
    height: 8px;
    background: rgba(255, 255, 255, 0.45);
}
.hero-carousel .owl-dots .owl-dot.active span { background: var(--gold); }

.hero-calc-wrap {
    background: #fff;
    border: 1px solid rgba(45, 73, 230, 0.2);
    border-radius: 14px;
    padding: 1.1rem;
    box-shadow: 0 14px 34px rgba(18, 34, 92, 0.12);
}
.hero-calc-title {
    font-size: 0.88rem;
    text-transform: uppercase;
    letter-spacing: 0.08em;
    color: var(--navy-mid);
    margin-bottom: 0.8rem;
}

@keyframes fadeSlideUp {
    from { opacity: 0; transform: translateY(24px); }
    to { opacity: 1; transform: translateY(0); }
}

/* ===== TRUST BAR ===== */
#trustBar {
    background: #eef1f7;
    border-top: 1px solid var(--border);
    border-bottom: 1px solid var(--border);
    padding: 1.4rem 0;
}
.trust-inner {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 3rem;
    flex-wrap: wrap;
}
.trust-item {
    display: flex;
    align-items: center;
    gap: 0.6rem;
    font-size: 0.82rem;
    color: var(--text-muted);
    letter-spacing: 0.04em;
}
.trust-item i { color: var(--gold); font-size: 1rem; }

/* ===== SECTIONS COMMON ===== */
.section-pad { padding: 6rem 0; }
.section-pad-lg { padding: 8rem 0; }

/* ===== SERVICES ===== */
#services { background: #ffffff; }

.section-header { margin-bottom: 4rem; }

.service-card {
    background: #ffffff;
    border: 1px solid var(--border);
    border-radius: var(--radius-lg);
    padding: 2.4rem 2rem;
    height: 100%;
    position: relative;
    overflow: hidden;
    transition: var(--transition);
}
.service-card::before {
    content: '';
    position: absolute;
    top: 0; left: 0; right: 0;
    height: 2px;
    background: linear-gradient(90deg, transparent, var(--gold), transparent);
    opacity: 0;
    transition: opacity 0.35s;
}
.service-card:hover {
    transform: translateY(-6px);
    border-color: rgba(45,73,230,0.35);
    box-shadow: var(--shadow-gold);
}
.service-card:hover::before { opacity: 1; }

.service-icon {
    width: 54px; height: 54px;
    background: rgba(45,73,230,0.08);
    border: 1px solid rgba(45,73,230,0.18);
    border-radius: 12px;
    display: flex; align-items: center; justify-content: center;
    font-size: 1.4rem;
    color: var(--gold);
    margin-bottom: 1.4rem;
    transition: var(--transition);
}
.service-card:hover .service-icon {
    background: rgba(45,73,230,0.15);
}
.service-card h4 {
    font-size: 1.2rem;
    margin-bottom: 0.8rem;
}
.service-card p { font-size: 0.9rem; color: var(--text-muted); line-height: 1.7; }
.service-card .service-link {
    display: inline-flex;
    align-items: center;
    gap: 0.5rem;
    margin-top: 1.4rem;
    font-size: 0.82rem;
    color: var(--gold);
    letter-spacing: 0.04em;
    transition: gap 0.2s;
}
.service-card .service-link:hover { gap: 0.8rem; }

/* ===== HOW IT WORKS ===== */
#how-it-works { background: #f2f4f9; }
.step-number {
    font-family: 'Tw Cen MT', 'Trebuchet MS', 'Century Gothic', sans-serif;
    font-size: 3.5rem;
    font-weight: 500;
    color: rgba(45,73,230,0.12);
    line-height: 1;
    margin-bottom: -0.5rem;
    display: block;
}
.step-card {
    padding: 2rem;
    position: relative;
}
.step-card::after {
    content: '';
    position: absolute;
    top: 3rem; right: 0;
    width: 60%; height: 1px;
    background: linear-gradient(90deg, var(--gold) 0%, transparent 100%);
    opacity: 0.2;
}
.step-card:last-child::after { display: none; }
.step-card h4 { font-size: 1.1rem; margin-bottom: 0.5rem; }
.step-card p { font-size: 0.88rem; color: var(--text-muted); }

/* ===== LOAN CALCULATOR ===== */
#calculator { scroll-margin-top: 92px; }
.calc-card {
    background: #ffffff;
    border: 1px solid var(--border);
    border-radius: var(--radius-lg);
    padding: 3rem;
}
.calc-label {
    font-size: 0.8rem;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    color: var(--text-muted);
    margin-bottom: 0.6rem;
    display: block;
}
.calc-value {
    font-family: 'Tw Cen MT', 'Trebuchet MS', 'Century Gothic', sans-serif;
    font-size: 2.2rem;
    color: var(--gold);
    font-weight: 600;
}
/* Range slider custom styling */
input[type=range] {
    appearance: none;
    -webkit-appearance: none;
    width: 100%;
    height: 4px;
    background: rgba(45,73,230,0.15);
    border-radius: 2px;
    outline: none;
    margin: 1rem 0;
}
input[type=range]::-webkit-slider-thumb {
    -webkit-appearance: none;
    width: 20px; height: 20px;
    background: var(--gold);
    border-radius: 50%;
    cursor: pointer;
    box-shadow: 0 0 0 4px rgba(45,73,230,0.15);
    transition: box-shadow 0.2s;
}
input[type=range]::-webkit-slider-thumb:hover {
    box-shadow: 0 0 0 8px rgba(45,73,230,0.2);
}
input[type=range]::-moz-range-thumb {
    width: 20px; height: 20px;
    background: var(--gold);
    border-radius: 50%;
    cursor: pointer;
    border: none;
}
.calc-result {
    background: #f5f7ff;
    border: 1px solid rgba(45,73,230,0.15);
    border-radius: var(--radius-lg);
    padding: 2rem;
    text-align: center;
}
.result-amount {
    font-family: 'Tw Cen MT', 'Trebuchet MS', 'Century Gothic', sans-serif;
    font-size: 3rem;
    color: var(--gold);
    font-weight: 700;
    line-height: 1;
    margin-bottom: 0.4rem;
}
.result-label { font-size: 0.82rem; color: var(--text-muted); }
.result-breakdown {
    margin-top: 1.4rem;
    display: flex;
    justify-content: space-around;
    border-top: 1px solid var(--border);
    padding-top: 1.2rem;
}
.breakdown-item { text-align: center; }
.breakdown-val { font-size: 1rem; color: var(--navy-mid); font-weight: 600; }
.breakdown-key { font-size: 0.72rem; color: var(--text-muted); margin-top: 0.2rem; }

/* ===== TESTIMONIALS ===== */
#testimonials { background: #ffffff; }

.testimonial-card {
    background: #fbfcff;
    border: 1px solid var(--border);
    border-radius: var(--radius-lg);
    padding: 2.4rem;
    height: 100%;
    position: relative;
    transition: var(--transition);
}
.testimonial-card:hover {
    border-color: rgba(45,73,230,0.3);
    transform: translateY(-4px);
}
.quote-icon {
    font-size: 3rem;
    line-height: 1;
    color: rgba(45,73,230,0.15);
    font-family: Georgia, serif;
    position: absolute;
    top: 1.4rem; right: 1.6rem;
}
.testimonial-text {
    font-size: 0.95rem;
    color: var(--text-body);
    line-height: 1.8;
    margin-bottom: 1.6rem;
    font-style: italic;
}
.testimonial-author {
    display: flex;
    align-items: center;
    gap: 0.8rem;
}
.author-avatar {
    width: 42px; height: 42px;
    border-radius: 50%;
    background: linear-gradient(135deg, var(--gold) 0%, #8b6914 100%);
    display: flex; align-items: center; justify-content: center;
    font-family: 'Tw Cen MT', 'Trebuchet MS', 'Century Gothic', sans-serif;
    font-size: 1rem;
    color: var(--navy);
    font-weight: 700;
    flex-shrink: 0;
}
.author-name { font-size: 0.9rem; color: var(--navy-mid); font-weight: 600; }
.author-role { font-size: 0.76rem; color: var(--text-muted); }
.star-row { margin-bottom: 1rem; }
.star-row i { color: var(--gold); font-size: 0.8rem; margin-right: 1px; }

/* ===== WHY US ===== */
#why-us { background: #f2f4f9; }
.feature-row { margin-bottom: 2.4rem; }
.feature-icon-sm {
    width: 42px; height: 42px;
    background: rgba(45,73,230,0.06);
    border: 1px solid rgba(45,73,230,0.15);
    border-radius: 8px;
    display: flex; align-items: center; justify-content: center;
    color: var(--gold);
    font-size: 1rem;
    flex-shrink: 0;
    margin-right: 1rem;
}
.feature-row h5 { font-family: 'Tw Cen MT', 'Trebuchet MS', 'Century Gothic', sans-serif; font-size: 1rem; font-weight: 600; color: var(--navy-mid); margin-bottom: 0.3rem; }
.feature-row p { font-size: 0.86rem; color: var(--text-muted); margin: 0; }

.image-frame {
    position: relative;
    border-radius: var(--radius-lg);
    overflow: hidden;
}
.image-frame-inner {
    background: linear-gradient(135deg, #ffffff 0%, #f5f8ff 100%);
    border: 1px solid var(--border);
    border-radius: var(--radius-lg);
    padding: 2.5rem;
    text-align: center;
    position: relative;
}
.metrics-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 1rem;
    margin-top: 1rem;
}
.metric-box {
    background: rgba(45,73,230,0.04);
    border: 1px solid rgba(45,73,230,0.12);
    border-radius: 8px;
    padding: 1.4rem 1rem;
    text-align: center;
}
.metric-val {
    font-family: 'Tw Cen MT', 'Trebuchet MS', 'Century Gothic', sans-serif;
    font-size: 1.8rem;
    color: var(--gold);
    font-weight: 700;
    display: block;
}
.metric-lbl { font-size: 0.72rem; color: var(--text-muted); margin-top: 0.2rem; }

/* ===== CTA SECTION ===== */
#cta {
    position: relative;
    overflow: hidden;
    background: #ffffff;
    border-top: 1px solid var(--border);
}
.cta-bg {
    position: absolute;
    inset: 0;
    background:
    radial-gradient(ellipse 60% 80% at 50% 50%, rgba(45,73,230,0.06) 0%, transparent 70%),
    linear-gradient(160deg, #f8faff 0%, #eef3ff 100%);
}
.cta-content { position: relative; z-index: 2; }
.cta-headline {
    font-size: clamp(2rem, 4vw, 3.2rem);
    margin-bottom: 1rem;
}

/* ===== CONTACT / APPLY FORM ===== */
#apply { background: #f2f4f9; }
.form-card {
    background: #ffffff;
    border: 1px solid var(--border);
    border-radius: var(--radius-lg);
    padding: 3rem;
}
.form-group label {
    font-size: 0.8rem;
    letter-spacing: 0.06em;
    text-transform: uppercase;
    color: var(--text-muted);
    margin-bottom: 0.5rem;
    display: block;
}
.form-control {
    background: #ffffff !important;
    border: 1px solid rgba(45,73,230,0.15) !important;
    border-radius: var(--radius) !important;
    color: var(--navy-mid) !important;
    font-size: 0.9rem !important;
    padding: 0.95rem 1.15rem !important;
    min-height: 50px;
    line-height: 1.35;
    transition: border-color 0.2s, box-shadow 0.2s !important;
}
textarea.form-control {
    min-height: 128px;
    padding-top: 1rem !important;
    padding-bottom: 1rem !important;
    resize: vertical;
}
select.form-control {
    padding-right: 2.4rem !important;
    appearance: none;
    -webkit-appearance: none;
    background-image: linear-gradient(45deg, transparent 50%, var(--navy-mid) 50%), linear-gradient(135deg, var(--navy-mid) 50%, transparent 50%);
    background-position: calc(100% - 18px) calc(50% + 1px), calc(100% - 12px) calc(50% + 1px);
    background-size: 6px 6px, 6px 6px;
    background-repeat: no-repeat;
}
.form-control::placeholder { color: var(--text-muted) !important; }
.form-control:focus {
    border-color: rgba(45,73,230,0.45) !important;
    box-shadow: 0 0 0 3px rgba(45,73,230,0.08) !important;
    background: #ffffff !important;
}
select.form-control option {
    background-color: #ffffff;
    color: #0b1d84;
    padding: 10px 12px;
}
.select2-container { width: 100% !important; }
.select2-container--default .select2-selection--single {
    min-height: 50px;
    border: 1px solid rgba(45,73,230,0.15) !important;
    border-radius: var(--radius) !important;
    background: #ffffff;
    display: flex;
    align-items: center;
    padding: 0.35rem 2.2rem 0.35rem 0.35rem;
}
.select2-container--default .select2-selection--single .select2-selection__rendered {
    color: var(--navy-mid);
    font-size: 0.9rem;
    line-height: 1.35;
    padding-left: 0.8rem;
    padding-right: 0;
}
.select2-container--default .select2-selection--single .select2-selection__placeholder {
    color: var(--text-muted);
}
.select2-container--default .select2-selection--single .select2-selection__arrow {
    height: 100%;
    right: 10px;
}
.select2-container--default .select2-selection--single .select2-selection__arrow b {
    border-color: var(--navy-mid) transparent transparent transparent;
}
.select2-container--default.select2-container--focus .select2-selection--single,
.select2-container--default.select2-container--open .select2-selection--single {
    border-color: rgba(45,73,230,0.45) !important;
    box-shadow: 0 0 0 3px rgba(45,73,230,0.08);
}
.select2-dropdown {
    border: 1px solid rgba(45,73,230,0.2);
    border-radius: var(--radius);
    overflow: hidden;
}
.select2-search--dropdown { padding: 10px; }
.select2-container--default .select2-search--dropdown .select2-search__field {
    border: 1px solid rgba(45,73,230,0.2);
    border-radius: var(--radius);
    padding: 0.45rem 0.65rem;
    color: var(--navy-mid);
}
.select2-container--default .select2-results__option {
    font-size: 0.9rem;
    color: var(--navy-mid);
    padding: 0.6rem 0.8rem;
}
.select2-container--default .select2-results__option--highlighted[aria-selected] {
    background: rgba(45,73,230,0.12);
    color: var(--navy-mid);
}
.form-alert {
    display: none;
    border-radius: var(--radius);
    padding: 1rem 1.4rem;
    font-size: 0.88rem;
    margin-top: 1.2rem;
}
.form-alert.success { background: rgba(74,222,128,0.08); border: 1px solid rgba(74,222,128,0.25); color: #4ade80; }
.form-alert.error { background: rgba(248,113,113,0.08); border: 1px solid rgba(248,113,113,0.25); color: #f87171; }

/* ===== FOOTER ===== */
#footer {
    background: #070f1d;
    border-top: 1px solid var(--border);
    padding: 4rem 0 2rem;
}
.footer-brand {
    font-family: 'Tw Cen MT', 'Trebuchet MS', 'Century Gothic', sans-serif;
    font-size: 1.3rem;
    color: var(--white);
    margin-bottom: 0.8rem;
}
.footer-brand span { color: var(--gold); }
.footer-desc { font-size: 0.86rem; color: var(--text-muted); max-width: 280px; line-height: 1.7; }
.footer-heading {
    font-family: 'Tw Cen MT', 'Trebuchet MS', 'Century Gothic', sans-serif;
    font-size: 0.7rem;
    letter-spacing: 0.16em;
    text-transform: uppercase;
    color: var(--gold);
    margin-bottom: 1.2rem;
}
.footer-links { list-style: none; padding: 0; }
.footer-links li { margin-bottom: 0.6rem; }
.footer-links a {
    font-size: 0.86rem;
    color: var(--text-muted);
    transition: color 0.2s;
}
.footer-links a:hover { color: var(--gold-light); }
.footer-contact { font-size: 0.86rem; color: var(--text-muted); margin-bottom: 0.6rem; }
.footer-contact i { color: var(--gold); margin-right: 0.5rem; width: 14px; }
.footer-bottom {
    margin-top: 3rem;
    padding-top: 1.6rem;
    border-top: 1px solid rgba(45,73,230,0.08);
    display: flex;
    justify-content: space-between;
    align-items: center;
    flex-wrap: wrap;
    gap: 1rem;
}
.footer-copy { font-size: 0.78rem; color: rgba(138,155,181,0.6); }
.social-links { display: flex; gap: 0.6rem; }
.social-link {
    width: 34px; height: 34px;
    border: 1px solid var(--border);
    border-radius: 6px;
    display: flex; align-items: center; justify-content: center;
    color: var(--text-muted);
    font-size: 0.82rem;
    transition: var(--transition);
}
.social-link:hover {
    border-color: rgba(45,73,230,0.4);
    color: var(--gold);
}

/* ===== BACK TO TOP ===== */
#backTop {
    position: fixed;
    bottom: 2rem; right: 2rem;
    width: 42px; height: 42px;
    background: rgba(45,73,230,0.9);
    color: var(--gold-pale);
    border: none;
    border-radius: 8px;
    font-size: 1rem;
    cursor: pointer;
    opacity: 0;
    pointer-events: none;
    transition: opacity 0.3s, transform 0.3s;
    z-index: 999;
    display: flex; align-items: center; justify-content: center;
}
#backTop.visible { opacity: 1; pointer-events: auto; }
#backTop:hover { transform: translateY(-3px); }

.whatsapp-float {
    position: fixed;
    left: 2rem;
    bottom: 2rem;
    width: 40px;
    height: 40px;
    border-radius: 50%;
    background: #25d366;
    color: #fff;
    font-size: 1.55rem;
    display: flex;
    align-items: center;
    justify-content: center;
    box-shadow: 0 0 5px rgba(13, 91, 42, 0.35);
    z-index: 998;
    transition: transform 0.25s ease, box-shadow 0.25s ease;
    text-decoration: none !important;
}
.whatsapp-float:hover {
    color: #fff;
    transform: translateY(-3px);
    box-shadow: 0 0 10px rgba(13, 91, 42, 0.35);
}

#footer {
	font-size: 0.86rem;
	color: var(--text-muted);
}

/* ===== RESPONSIVE ===== */
@media (max-width: 991px) {
    #mainNav .container {
        padding-left: 1.25rem;
        padding-right: 1.25rem;
    }
    #mainNav .navbar-collapse {
        margin-top: 0.9rem;
    }
    #mainNav .navbar-nav {
        margin-left: 0 !important;
        align-items: center;
        text-align: center;
    }
    #mainNav .navbar-nav .nav-item {
        width: 100%;
    }
    #mainNav .navbar-nav .nav-link {
        padding: 0.65rem 0 !important;
    }
    #mainNav .navbar-nav .nav-link::after {
        left: 35%;
        right: 35%;
    }
    #mainNav .navbar-nav .nav-item.ml-lg-3 {
        margin-left: 0 !important;
    }
    #mainNav .navbar-nav .btn {
        margin-top: 0.35rem;
    }
    .hero-visual { margin-top: 3rem; }
    .step-card::after { display: none; }
    .calc-card { padding: 2rem 1.4rem; }
}
@media (max-width: 767px) {
    .whatsapp-float {
        left: 1rem;
        bottom: 4.8rem;
        width: 50px;
        height: 50px;
    }
    .hero-stats { gap: 1.3rem 1.2rem; }
    .trust-inner { gap: 1.5rem; }
    .form-card { padding: 2rem 1.4rem; }
}