/* =========================================================
   Speed Financial Solutions (SFS)
   Custom Stylesheet
   ========================================================= */

:root {
  --navy: #0a2540;
  --navy-deep: #5c080a;
  --navy-soft: #123c66;
  --gold: #f0a500;
  --gold-light: #ffc24d;
  --gold-dark: #d18d00;
  --ink: #2b3a4d;
  --muted: #5f6f82;
  --light: #f6f8fb;
  --border: #e4e9f0;
  --white: #ffffff;
  --shadow-sm: 0 2px 12px rgba(10, 37, 64, 0.07);
  --shadow-md: 0 8px 30px rgba(10, 37, 64, 0.12);
  --shadow-lg: 0 16px 50px rgba(10, 37, 64, 0.18);
  --radius: 14px;
  --radius-sm: 8px;
}

* { scroll-behavior: smooth; }

body {
  font-family: "Segoe UI", system-ui, -apple-system, Roboto, Helvetica, Arial, sans-serif;
  color: var(--ink);
  background: var(--white);
  overflow-x: hidden;
}

h1, h2, h3, h4, h5, h6 {
  color: var(--navy);
  font-weight: 700;
  letter-spacing: -0.01em;
}

a { text-decoration: none; transition: color 0.2s ease; }
img { max-width: 100%; }

/* ---------- Utilities ---------- */
.text-gold { color: var(--gold) !important; }
.text-navy { color: var(--navy) !important; }
.bg-navy { background-color: var(--navy) !important; }
.bg-light-soft { background-color: var(--light) !important; }

.section {
  padding: 88px 0;
}
.section-sm { padding: 56px 0; }

.eyebrow {
  display: inline-block;
  font-size: 0.8rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold);
  background: rgba(240, 165, 0, 0.12);
  border: 1px solid rgba(240, 165, 0, 0.35);
  padding: 6px 14px;
  border-radius: 999px;
  margin-bottom: 14px;
}

.section-head .lead { max-width: 640px; margin-inline: auto; }

.gold-divider {
  width: 56px;
  height: 4px;
  border-radius: 4px;
  background: linear-gradient(90deg, var(--gold), var(--gold-light));
  margin: 14px auto 18px;
}
.text-start .gold-divider { margin-inline-start: 0; }

.btn-gold {
  background: linear-gradient(90deg, var(--gold), var(--gold-light));
  color: var(--navy-deep) !important;
  font-weight: 700;
  border: none;
  border-radius: 999px;
  padding: 12px 26px;
  box-shadow: 0 6px 18px rgba(240, 165, 0, 0.35);
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}
.btn-gold:hover, .btn-gold:focus {
  transform: translateY(-2px);
  box-shadow: 0 10px 26px rgba(240, 165, 0, 0.45);
  color: var(--navy-deep) !important;
}

.btn-outline-gold {
  border: 2px solid var(--gold);
  color: var(--navy) !important;
  font-weight: 700;
  border-radius: 999px;
  padding: 11px 26px;
  transition: all 0.2s ease;
}
.btn-outline-gold:hover {
  background: var(--gold);
  color: var(--navy-deep) !important;
}

.btn-navy {
  background: var(--navy);
  color: var(--white) !important;
  font-weight: 700;
  border-radius: 999px;
  padding: 12px 26px;
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}
.btn-navy:hover {
  transform: translateY(-2px);
  background: #5c080a !important;
  box-shadow: 0 10px 26px rgba(10, 37, 64, 0.3);
  color: var(--white) !important;
}

.btn-outline-light-2 {
  border: 2px solid rgba(255, 255, 255, 0.5);
  color: var(--white) !important;
  font-weight: 700;
  border-radius: 999px;
  padding: 11px 26px;
  transition: all 0.2s ease;
}
.btn-outline-light-2:hover {
  background: var(--white);
  color: var(--navy) !important;
}

/* ---------- Preloader ---------- */
#preloader {
  position: fixed;
  inset: 0;
  background: var(--navy-deep);
  z-index: 9999;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: opacity 0.4s ease, visibility 0.4s ease;
}
#preloader.hidden { opacity: 0; visibility: hidden; }
.preloader-logo { animation: pulse 1.4s ease-in-out infinite; }
@keyframes pulse {
  0%, 100% { transform: scale(1); opacity: 1; }
  50% { transform: scale(1.06); opacity: 0.75; }
}
.spinner-ring {
  width: 46px; height: 46px;
  border: 4px solid rgba(255, 255, 255, 0.2);
  border-top-color: var(--gold);
  border-radius: 50%;
  animation: spin 0.8s linear infinite;
  margin-inline: auto;
  margin-top: 18px;
}
@keyframes spin { to { transform: rotate(360deg); } }

/* ---------- Topbar ---------- */
.topbar {
  background: var(--navy-deep);
  color: rgba(255, 255, 255, 0.82);
  font-size: 0.85rem;
}
.topbar a { color: rgba(255, 255, 255, 0.82); }
.topbar a:hover { color: var(--gold-light); }
.topbar i { color: var(--gold); margin-right: 6px; }
.topbar .topbar-social { border-left: 1px solid rgba(255, 255, 255, 0.15); padding-left: 12px; }
.topbar .topbar-social a {
  width: 26px;
  height: 26px;
  line-height: 26px;
  text-align: center;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.1);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  transition: background 0.25s ease, color 0.25s ease, transform 0.25s ease;
}
.topbar .topbar-social a i { margin: 0; }
.topbar .topbar-social a:hover { background: var(--gold); color: var(--navy-deep); transform: translateY(-2px); }

/* ---------- Navbar ---------- */
.navbar-sfs {
  background: var(--white);
  box-shadow: 0 2px 14px rgba(10, 37, 64, 0.08);
  padding: 14px 0;
}
.navbar-sfs .navbar-brand {
  display: flex;
  align-items: center;
  gap: 12px;
}
.navbar-sfs .brand-logo {
  height: 46px;
  width: auto;
}
.brand-text {
  line-height: 1.05;
}
.brand-text .brand-name {
  font-weight: 800;
  color: var(--navy);
  font-size: 1.12rem;
  letter-spacing: -0.01em;
}
.brand-text .brand-name span { color: var(--gold); }
.brand-text .brand-tag {
  font-size: 0.68rem;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--muted);
  font-weight: 600;
}

.navbar-sfs .nav-link {
  color: var(--navy);
  font-weight: 600;
  margin-inline: 8px;
  position: relative;
}
.navbar-sfs .nav-link:hover { color: var(--gold-dark); }
.navbar-sfs .nav-link.active { color: var(--gold-dark); }
.navbar-sfs .nav-link.active::after,
.navbar-sfs .nav-link:hover::after {
  content: "";
  position: absolute;
  left: 50%;
  transform: translateX(-50%);
  bottom: 0;
  width: 22px;
  height: 3px;
  border-radius: 3px;
  background: var(--gold);
}
.navbar-sfs .navbar-toggler {
  border: 1px solid var(--border);
  color: var(--navy);
}

@media (max-width: 991.98px) {
  .navbar-sfs .nav-link { margin: 6px 0; }
  .navbar-sfs .navbar-collapse { padding-top: 10px; }
}

/* ---------- Hero ---------- */
.hero {
  position: relative;
  background:
    radial-gradient(1000px 500px at 85% -10%, rgba(240, 165, 0, 0.22), transparent 60%),
    radial-gradient(800px 500px at -10% 110%, rgba(18, 60, 102, 0.55), transparent 60%),
    linear-gradient(135deg, var(--navy-deep) 0%, var(--navy) 55%, var(--navy-soft) 100%);
  color: var(--white);
  padding: 110px 0 120px;
  overflow: hidden;
}
.hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background-image:
    linear-gradient(rgba(255, 255, 255, 0.04) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255, 255, 255, 0.04) 1px, transparent 1px);
  background-size: 56px 56px;
  mask-image: radial-gradient(circle at 60% 40%, black, transparent 75%);
}
.hero .container { position: relative; z-index: 2; }
.hero h1 {
  color: var(--white);
  font-size: clamp(2.1rem, 4.5vw, 3.4rem);
  font-weight: 800;
}
.hero h1 .highlight {
  background: linear-gradient(90deg, var(--gold-light), var(--gold));
  -webkit-background-clip: text;
  background-clip: text;
  -webkit-text-fill-color: transparent;
  color: transparent;
}
.hero .lead { color: rgba(255, 255, 255, 0.85); max-width: 560px; }
.hero-tags {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
}
.hero-tags .badge-soft {
  border: 1px solid rgba(255, 255, 255, 0.25);
  background: rgba(255, 255, 255, 0.08);
  color: var(--white);
  border-radius: 999px;
  padding: 8px 16px;
  font-weight: 600;
  font-size: 0.85rem;
}

.hero-card {
  background: var(--white);
  border-radius: var(--radius);
  box-shadow: var(--shadow-lg);
  padding: 28px;
  position: relative;
}
.hero-card .card-icon {
  width: 56px; height: 56px;
  border-radius: 14px;
  display: grid;
  place-items: center;
  font-size: 1.5rem;
  color: var(--navy);
  background: rgba(240, 165, 0, 0.15);
}
.hero-card h5 { margin-bottom: 4px; }
.hero-card p { font-size: 0.92rem; margin-bottom: 0; }
.hero-float {
  position: absolute;
  right: -16px;
  bottom: -22px;
  background: var(--navy);
  color: var(--white);
  padding: 14px 20px;
  border-radius: var(--radius-sm);
  box-shadow: var(--shadow-md);
  display: flex;
  align-items: center;
  gap: 12px;
}
.hero-float .f-icon {
  width: 42px; height: 42px;
  border-radius: 10px;
  background: var(--gold);
  color: var(--navy-deep);
  display: grid;
  place-items: center;
  font-size: 1.2rem;
}
.hero-float small { color: rgba(255, 255, 255, 0.75); display: block; line-height: 1.1; }
.hero-float strong { font-size: 0.95rem; }

@media (max-width: 991.98px) {
  .hero { padding: 76px 0 84px; }
}

/* ---------- Feature / icon cards ---------- */
.icon-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 28px 24px;
  height: 100%;
  transition: transform 0.25s ease, box-shadow 0.25s ease, border-color 0.25s ease;
}
.icon-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-md);
  border-color: rgba(240, 165, 0, 0.5);
}
.icon-card .icon-wrap {
  width: 58px; height: 58px;
  border-radius: 16px;
  display: grid;
  place-items: center;
  font-size: 1.5rem;
  color: var(--navy);
  background: linear-gradient(135deg, rgba(240, 165, 0, 0.18), rgba(240, 165, 0, 0.06));
  margin-bottom: 18px;
}
.icon-card h5 { font-size: 1.08rem; }
.icon-card p { font-size: 0.92rem; color: var(--muted); margin-bottom: 0; }

/* ---------- Steps ---------- */
.step-card {
  position: relative;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 26px 22px;
  height: 100%;
  transition: transform 0.25s ease, box-shadow 0.25s ease;
}
.step-card:hover { transform: translateY(-5px); box-shadow: var(--shadow-md); }
.step-num {
  font-size: 2.6rem;
  font-weight: 800;
  line-height: 1;
  color: transparent;
  -webkit-text-stroke: 2px var(--gold);
  margin-bottom: 14px;
}
.step-card h5 { font-size: 1.02rem; }
.step-card p { font-size: 0.9rem; color: var(--muted); margin-bottom: 0; }

/* ---------- Counters ---------- */
.counters {
  background: linear-gradient(120deg, var(--navy-deep), var(--navy));
  color: var(--white);
  position: relative;
  overflow: hidden;
}
.counters::after {
  content: "";
  position: absolute;
  top: -60px; right: -60px;
  width: 260px; height: 260px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(240, 165, 0, 0.25), transparent 70%);
}
.counter-box h3 {
  color: var(--gold-light);
  font-size: 2.6rem;
  font-weight: 800;
}
.counter-box p {
  color: rgba(255, 255, 255, 0.85);
  margin-bottom: 0;
  font-weight: 600;
}

/* ---------- Check list ---------- */
.check-list { list-style: none; padding: 0; margin: 0; }
.check-list li {
  position: relative;
  padding-left: 30px;
  margin-bottom: 12px;
  color: var(--ink);
  font-weight: 500;
}
.check-list li::before {
  content: "\f00c";
  font-family: "Font Awesome 6 Free";
  font-weight: 900;
  position: absolute;
  left: 0;
  top: 1px;
  width: 20px; height: 20px;
  border-radius: 50%;
  background: rgba(240, 165, 0, 0.16);
  color: var(--gold-dark);
  font-size: 0.7rem;
  display: grid;
  place-items: center;
}

/* ---------- Process / flow ---------- */
.flow-item {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 24px;
  height: 100%;
  position: relative;
  transition: box-shadow 0.25s ease, transform 0.25s ease;
}
.flow-item:hover { box-shadow: var(--shadow-md); transform: translateY(-4px); }
.flow-item .f-num {
  width: 42px; height: 42px;
  border-radius: 50%;
  background: var(--navy);
  color: var(--gold-light);
  display: grid;
  place-items: center;
  font-weight: 800;
  margin-bottom: 14px;
}
.flow-item h6 { margin-bottom: 6px; }
.flow-item p { font-size: 0.88rem; color: var(--muted); margin-bottom: 0; }

/* ---------- Service cards ---------- */
.service-card {
  position: relative;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  height: 100%;
  overflow: hidden;
  transition: transform 0.3s ease, box-shadow 0.3s ease;
  display: flex;
  flex-direction: column;
}
.service-card:hover { transform: translateY(-8px); box-shadow: var(--shadow-md); }
.service-media {
  position: relative;
  height: 180px;
  overflow: hidden;
}
.service-media img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
  transition: transform 0.6s ease, filter 0.4s ease;
}
.service-card:hover .service-media img { transform: scale(1.1); filter: brightness(1.05); }
.service-media::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(to bottom, rgba(10, 37, 64, 0) 35%, rgba(10, 37, 64, 0.85) 100%);
  transition: background 0.4s ease;
}
.service-media .sm-icon {
  position: absolute;
  bottom: 14px;
  left: 18px;
  z-index: 2;
  width: 48px; height: 48px;
  border-radius: 12px;
  display: grid;
  place-items: center;
  font-size: 1.2rem;
  color: var(--navy);
  background: var(--gold);
  box-shadow: 0 6px 16px rgba(10, 37, 64, 0.35);
  transition: transform 0.35s ease, background 0.35s ease, color 0.35s ease;
}
.service-card:hover .sm-icon { transform: rotate(8deg) scale(1.05); }
.service-media .sm-arrow {
  position: absolute;
  top: 14px;
  right: 14px;
  z-index: 2;
  width: 34px; height: 34px;
  border-radius: 50%;
  display: grid;
  place-items: center;
  font-size: 0.85rem;
  color: #fff;
  background: rgba(255, 255, 255, 0.18);
  backdrop-filter: blur(4px);
  opacity: 0;
  transform: translateX(8px);
  transition: opacity 0.3s ease, transform 0.3s ease, background 0.3s ease;
}
.service-card:hover .sm-arrow { opacity: 1; transform: translateX(0); background: var(--gold); color: var(--navy); }
.service-body { padding: 22px 20px 24px; display: flex; flex-direction: column; flex-grow: 1; }
.service-body h5 { font-size: 1.15rem; margin-bottom: 8px; transition: color 0.3s ease; }
.service-card:hover .service-body h5 { color: var(--navy); }
.service-body p { font-size: 0.9rem; color: var(--muted); margin-bottom: 16px; flex-grow: 1; }
.service-body a { display: inline-flex; align-items: center; gap: 6px; font-weight: 600; transition: gap 0.3s ease, color 0.3s ease; }
.service-body a:hover { color: var(--gold); }
.service-body a:hover { gap: 10px; }

/* ---------- Accordion ---------- */
.accordion-sfs .accordion-item {
  border: 1px solid var(--border);
  border-radius: var(--radius-sm) !important;
  margin-bottom: 12px;
  overflow: hidden;
  box-shadow: var(--shadow-sm);
}
.accordion-sfs .accordion-button {
  font-weight: 700;
  color: var(--navy);
  background: var(--white);
  padding: 18px 20px;
}
.accordion-sfs .accordion-button:not(.collapsed) {
  background: var(--navy);
  color: var(--white);
  box-shadow: none;
}
.accordion-sfs .accordion-button:not(.collapsed)::after {
  filter: brightness(0) invert(1);
}
.accordion-sfs .accordion-body { color: var(--muted); font-size: 0.95rem; }

/* ---------- Management team ---------- */
.team-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 26px;
  text-align: center;
  height: 100%;
  transition: transform 0.25s ease, box-shadow 0.25s ease;
}
.team-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-md); }
.team-avatar {
  width: 92px; height: 92px;
  margin: 0 auto 16px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--navy), var(--navy-soft));
  color: var(--gold-light);
  display: grid;
  place-items: center;
  font-size: 2.2rem;
  font-weight: 800;
  border: 3px solid rgba(240, 165, 0, 0.4);
}
.team-card h5 { margin-bottom: 2px; }
.team-role {
  color: var(--gold-dark);
  font-weight: 700;
  font-size: 0.85rem;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  margin-bottom: 8px;
}
.team-card p { font-size: 0.88rem; color: var(--muted); margin-bottom: 0; }

/* ---------- CTA band ---------- */
.cta-band {
  position: relative;
  background: linear-gradient(120deg, var(--navy-deep), var(--navy-soft));
  color: var(--white);
  overflow: hidden;
}
.cta-band::before {
  content: "";
  position: absolute;
  right: -80px; bottom: -120px;
  width: 380px; height: 380px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(240, 165, 0, 0.28), transparent 70%);
}
.cta-band h2 { color: var(--white); }
.cta-band p { color: rgba(255, 255, 255, 0.85); }

/* ---------- Page header (inner pages) ---------- */
.page-head {
  position: relative;
  background:
    radial-gradient(700px 300px at 90% 0%, rgba(240, 165, 0, 0.2), transparent 60%),
    linear-gradient(135deg, var(--navy-deep), var(--navy));
  color: var(--white);
  padding: 74px 0;
  overflow: hidden;
}
.page-head h1 { color: var(--white); font-weight: 800; }
.page-head .breadcrumb {
  justify-content: center;
  margin-bottom: 0;
}
.page-head .breadcrumb-item,
.page-head .breadcrumb-item a { color: rgba(255, 255, 255, 0.75); font-weight: 500; }
.page-head .breadcrumb-item.active { color: var(--gold-light); }
.page-head .breadcrumb-item + .breadcrumb-item::before { color: rgba(255, 255, 255, 0.5); }

/* ---------- Footer ---------- */
.footer {
  position: relative;
  overflow: hidden;
  background: linear-gradient(160deg, var(--navy-deep) 0%, #0b2a47 55%, #12375c 100%);
  color: rgba(255, 255, 255, 0.78);
  padding-top: 62px;
}
.footer-inner { position: relative; z-index: 2; }

.footer-glow {
  position: absolute;
  border-radius: 50%;
  filter: blur(70px);
  opacity: 0.35;
  pointer-events: none;
  z-index: 0;
}
.footer-glow.glow-a { width: 420px; height: 420px; background: var(--gold); top: -120px; left: -120px; }
.footer-glow.glow-b { width: 360px; height: 360px; background: #1f6feb; bottom: -140px; right: -80px; }

.footer-wave {
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 3px;
  background: linear-gradient(90deg, transparent, var(--gold), var(--gold-light), var(--gold), transparent);
  z-index: 3;
}

.footer-brand { color: var(--white); text-decoration: none; }
.footer-brand .brand-name { font-size: 1.35rem; font-weight: 800; }
.footer-brand .brand-name span { color: var(--gold-light); }
.footer-brand .brand-tag { font-size: 0.82rem; color: rgba(255, 255, 255, 0.6); }
.footer-desc { font-size: 0.92rem; line-height: 1.7; color: rgba(255, 255, 255, 0.72); margin-bottom: 18px; }

.footer-title {
  color: var(--white);
  font-size: 1.02rem;
  font-weight: 700;
  margin-bottom: 20px;
  position: relative;
  padding-bottom: 10px;
}
.footer-title::after {
  content: "";
  position: absolute;
  left: 0;
  bottom: 0;
  width: 38px;
  height: 3px;
  border-radius: 3px;
  background: linear-gradient(90deg, var(--gold), var(--gold-light));
}

.footer a { color: rgba(255, 255, 255, 0.75); text-decoration: none; transition: color 0.2s ease, padding-left 0.2s ease; }
.footer a:hover { color: var(--gold-light); }

.footer .footer-links { list-style: none; padding: 0; margin: 0; }
.footer .footer-links li { margin-bottom: 11px; }
.footer .footer-links a { position: relative; display: inline-block; }
.footer .footer-links a::before {
  content: "\f054";
  font-family: "Font Awesome 6 Free";
  font-weight: 900;
  font-size: 0.62rem;
  color: var(--gold);
  margin-right: 9px;
  vertical-align: middle;
}
.footer .footer-links a:hover { padding-left: 4px; }

.footer .contact-cards { display: flex; flex-direction: column; gap: 13px; }
.footer .contact-card {
  display: flex;
  gap: 12px;
  align-items: flex-start;
  font-size: 0.9rem;
  background: rgba(255, 255, 255, 0.05);
  border: 1px solid rgba(255, 255, 255, 0.08);
  border-radius: 12px;
  padding: 11px 14px;
  transition: background 0.25s ease, border-color 0.25s ease;
}
.footer .contact-card:hover { background: rgba(255, 255, 255, 0.08); border-color: rgba(240, 165, 0, 0.4); }
.footer .contact-card a { word-break: break-word; }
.footer .contact-card .cc-icon {
  flex: 0 0 34px;
  width: 34px; height: 34px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  color: var(--navy-deep);
  font-size: 0.82rem;
  box-shadow: 0 6px 14px rgba(240, 165, 0, 0.3);
}
.footer .contact-card span { line-height: 1.5; }

.footer .foot-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 7px;
}
.footer .foot-tile {
  position: relative;
  display: block;
  aspect-ratio: 1 / 1;
  border-radius: 10px;
  overflow: hidden;
  border: 1px solid rgba(255, 255, 255, 0.1);
}
.footer .foot-tile img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
  transition: transform 0.4s ease, filter 0.4s ease;
}
.footer .foot-tile .ft-label {
  position: absolute;
  inset: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.62rem;
  font-weight: 700;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  color: #fff;
  background: linear-gradient(to top, rgba(10, 37, 64, 0.85), rgba(10, 37, 64, 0.1));
  opacity: 0;
  padding: 3px;
  text-align: center;
  transition: opacity 0.3s ease;
}
.footer .foot-tile:hover img { transform: scale(1.12); filter: brightness(1.05); }
.footer .foot-tile:hover .ft-label { opacity: 1; }
.footer .foot-tile:focus-visible { outline: 2px solid var(--gold); outline-offset: 2px; }

.footer-bottom {
  position: relative;
  z-index: 2;
  margin-top: 40px;
  padding: 18px 0;
  font-size: 0.85rem;
  color: rgba(255, 255, 255, 0.6);
  background: rgba(6, 26, 47, 0.55);
  backdrop-filter: blur(6px);
}
.footer-bottom .legal-note { font-size: 0.78rem; opacity: 0.75; }
.footer-bottom .developed-by { font-size: 0.82rem; color: rgba(255, 255, 255, 0.5); }
.footer-bottom .developed-by a {
  color: var(--gold-light);
  font-weight: 600;
  margin-left: 3px;
}
.footer-bottom .developed-by a:hover { color: var(--gold); text-decoration: underline; }

.social-btn {
  width: 40px; height: 40px;
  border-radius: 50%;
  border: 1px solid rgba(255, 255, 255, 0.28);
  display: inline-grid;
  place-items: center;
  color: var(--white);
  transition: all 0.25s ease;
}
.social-btn:hover { background: var(--gold); border-color: var(--gold); color: var(--navy-deep); transform: translateY(-3px); box-shadow: 0 8px 16px rgba(240, 165, 0, 0.3); }

@media (prefers-reduced-motion: reduce) {
  .footer a, .footer .contact-card, .social-btn { transition: none !important; }
}

/* ---------- Forms ---------- */
.form-control, .form-select {
  border-radius: 10px;
  border: 1px solid var(--border);
  padding: 12px 16px;
  font-size: 0.95rem;
}
.form-control:focus, .form-select:focus {
  border-color: var(--gold);
  box-shadow: 0 0 0 0.2rem rgba(240, 165, 0, 0.15);
}
.form-label { font-weight: 600; color: var(--navy); font-size: 0.9rem; }

.contact-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 24px;
  height: 100%;
  transition: transform 0.25s ease, box-shadow 0.25s ease;
}
.contact-card:hover { transform: translateY(-5px); box-shadow: var(--shadow-md); }
.contact-card .icon-wrap {
  width: 52px; height: 52px;
  border-radius: 14px;
  display: grid;
  place-items: center;
  font-size: 1.3rem;
  color: var(--navy);
  background: rgba(240, 165, 0, 0.15);
  margin-bottom: 16px;
}
.contact-card h6 { margin-bottom: 4px; }
.contact-card p { margin-bottom: 0; font-size: 0.9rem; color: var(--muted); }

/* ---------- Reveal animation ---------- */
.reveal {
  opacity: 0;
  transform: translateY(26px);
  transition: opacity 0.6s ease, transform 0.6s ease;
}
.reveal.visible { opacity: 1; transform: none; }

@media (prefers-reduced-motion: reduce) {
  .reveal { opacity: 1; transform: none; transition: none; }
  * { scroll-behavior: auto; }
}

/* ---------- Back to top ---------- */
#backToTop {
  position: fixed;
  right: 22px;
  bottom: 22px;
  width: 46px; height: 46px;
  border-radius: 50%;
  background: var(--navy);
  color: var(--gold-light);
  border: none;
  display: grid;
  place-items: center;
  box-shadow: var(--shadow-md);
  opacity: 0;
  visibility: hidden;
  transform: translateY(12px);
  transition: all 0.3s ease;
  z-index: 1000;
}
#backToTop.show { opacity: 1; visibility: visible; transform: none; }
#backToTop:hover { background: var(--gold); color: var(--navy-deep); }

/* =========================================================
   EXTRA ANIMATIONS & CREATIVE SECTIONS
   ========================================================= */

/* ---------- Scroll progress bar ---------- */
.scroll-progress {
  position: fixed;
  top: 0;
  left: 0;
  height: 4px;
  width: 0;
  background: linear-gradient(90deg, var(--gold), var(--gold-light));
  z-index: 2000;
  box-shadow: 0 0 12px rgba(240, 165, 0, 0.6);
}

/* ---------- Keyframes ---------- */
@keyframes floatY {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-14px); }
}
@keyframes floatX {
  0%, 100% { transform: translateX(0); }
  50% { transform: translateX(16px); }
}
@keyframes spinSlow { to { transform: rotate(360deg); } }
@keyframes blobMove {
  0%, 100% { transform: translate(0, 0) scale(1); }
  33% { transform: translate(24px, -30px) scale(1.12); }
  66% { transform: translate(-18px, 22px) scale(0.94); }
}
@keyframes marquee {
  from { transform: translateX(0); }
  to { transform: translateX(-50%); }
}
@keyframes blinkCursor {
  0%, 49% { opacity: 1; }
  50%, 100% { opacity: 0; }
}
@keyframes shineSweep {
  0% { left: -80%; }
  60%, 100% { left: 130%; }
}
@keyframes pulseRing {
  0% { box-shadow: 0 0 0 0 rgba(240, 165, 0, 0.45); }
  70% { box-shadow: 0 0 0 16px rgba(240, 165, 0, 0); }
  100% { box-shadow: 0 0 0 0 rgba(240, 165, 0, 0); }
}
@keyframes gradientShift {
  0% { background-position: 0% 50%; }
  50% { background-position: 100% 50%; }
  100% { background-position: 0% 50%; }
}
@keyframes bob {
  0%, 100% { transform: translateY(0) rotate(-3deg); }
  50% { transform: translateY(-10px) rotate(3deg); }
}

/* ---------- Entrance reveals (direction-aware) ---------- */
.reveal-left { transform: translateX(-40px); }
.reveal-right { transform: translateX(40px); }
.reveal-zoom { transform: scale(0.92); }
.reveal-fade { transform: none; }
.reveal-left.visible, .reveal-right.visible, .reveal-zoom.visible, .reveal-fade.visible { opacity: 1; transform: none; }

/* ---------- Hero creative elements ---------- */
.hero-orb {
  position: absolute;
  border-radius: 50%;
  filter: blur(6px);
  pointer-events: none;
  z-index: 1;
  animation: blobMove 14s ease-in-out infinite;
}
.hero-orb.gold {
  width: 320px; height: 320px;
  top: -90px; right: 8%;
  background: radial-gradient(circle, rgba(240, 165, 0, 0.35), transparent 70%);
}
.hero-orb.blue {
  width: 280px; height: 280px;
  bottom: -80px; left: -60px;
  background: radial-gradient(circle, rgba(64, 128, 220, 0.3), transparent 70%);
  animation-delay: -5s;
}
.float-icon {
  position: absolute;
  width: 54px; height: 54px;
  border-radius: 16px;
  background: rgba(255, 255, 255, 0.1);
  border: 1px solid rgba(255, 255, 255, 0.22);
  display: grid;
  place-items: center;
  color: var(--gold-light);
  font-size: 1.3rem;
  z-index: 1;
  pointer-events: none;
  animation: floatY 6s ease-in-out infinite;
}
.float-icon.gold-solid {
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  color: var(--navy-deep);
  box-shadow: 0 10px 30px rgba(240, 165, 0, 0.35);
}
.float-icon .icon-spin { animation: spinSlow 9s linear infinite; display: block; }

.typed-cursor {
  display: inline-block;
  width: 3px;
  height: 1em;
  margin-left: 4px;
  vertical-align: -0.1em;
  background: var(--gold);
  animation: blinkCursor 0.9s step-end infinite;
}

.hero-wave { position: absolute; bottom: -1px; left: 0; right: 0; z-index: 2; line-height: 0; }
.hero-wave svg { width: 100%; height: 70px; display: block; }

@media (max-width: 991.98px) {
  .hero-orb { opacity: 0.5; }
  .float-icon { display: none; }
}

/* ---------- Marquee band ---------- */
.marquee-band {
  background: linear-gradient(90deg, var(--gold), var(--gold-light));
  color: var(--navy-deep);
  overflow: hidden;
  padding: 15px 0;
  position: relative;
  z-index: 3;
  box-shadow: 0 6px 22px rgba(240, 165, 0, 0.25);
}
.marquee-track {
  display: flex;
  width: max-content;
  animation: marquee 26s linear infinite;
}
.marquee-band:hover .marquee-track { animation-play-state: paused; }
.marquee-item {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 0 24px;
  font-weight: 800;
  font-size: 1.05rem;
  letter-spacing: 0.03em;
  white-space: nowrap;
}
.marquee-item i { font-size: 0.7rem; opacity: 0.7; }

/* ---------- Counters orbs ---------- */
.counters .orb {
  position: absolute;
  border-radius: 50%;
  pointer-events: none;
  filter: blur(4px);
}
.counters .orb-1 { width: 180px; height: 180px; top: -60px; left: 10%; background: radial-gradient(circle, rgba(240,165,0,0.25), transparent 70%); animation: blobMove 12s ease-in-out infinite; }
.counters .orb-2 { width: 140px; height: 140px; bottom: -50px; right: 12%; background: radial-gradient(circle, rgba(255,255,255,0.12), transparent 70%); animation: blobMove 10s ease-in-out infinite reverse; }

/* ---------- 3D tilt ---------- */
.tilt { transform-style: preserve-3d; transition: transform 0.25s ease; will-change: transform; }

/* ---------- Button shine ---------- */
.btn-gold { position: relative; overflow: hidden; }
.btn-gold::after {
  content: "";
  position: absolute;
  top: 0;
  left: -80%;
  width: 45%;
  height: 100%;
  background: linear-gradient(90deg, transparent, rgba(255, 255, 255, 0.55), transparent);
  transform: skewX(-20deg);
  animation: shineSweep 3.4s ease-in-out infinite;
}

/* ---------- Animated gradient text ---------- */
.grad-text {
  background: linear-gradient(90deg, var(--gold), var(--gold-light), var(--gold));
  background-size: 220% auto;
  -webkit-background-clip: text;
  background-clip: text;
  -webkit-text-fill-color: transparent;
  color: transparent;
  animation: gradientShift 4s linear infinite;
}

/* ---------- Creative timeline ---------- */
.timeline {
  position: relative;
  padding: 20px 0;
}
.timeline::before {
  content: "";
  position: absolute;
  left: 18px;
  top: 0;
  bottom: 0;
  width: 4px;
  border-radius: 4px;
  background: linear-gradient(180deg, var(--gold), var(--navy));
  transform: scaleY(0);
  transform-origin: top;
  transition: transform 1.6s cubic-bezier(0.22, 0.61, 0.36, 1);
}
.timeline.animate::before { transform: scaleY(1); }

.timeline-item {
  position: relative;
  padding-left: 60px;
  margin-bottom: 30px;
}
.timeline-item::before {
  content: "";
  position: absolute;
  left: 8px;
  top: 30px;
  width: 24px;
  height: 24px;
  border-radius: 50%;
  background: var(--navy);
  border: 4px solid var(--gold);
  z-index: 1;
  animation: pulseRing 2.4s ease-out infinite;
}
.timeline-item .t-num {
  width: 34px; height: 34px;
  border-radius: 50%;
  background: var(--gold);
  color: var(--navy-deep);
  font-weight: 800;
  font-size: 0.85rem;
  display: grid;
  place-items: center;
  position: absolute;
  left: 3px;
  top: 25px;
  z-index: 2;
}
.timeline-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-left: 4px solid var(--gold);
  border-radius: var(--radius-sm);
  padding: 20px 22px;
  box-shadow: var(--shadow-sm);
  transition: transform 0.25s ease, box-shadow 0.25s ease;
}
.timeline-card:hover { transform: translateX(6px); box-shadow: var(--shadow-md); }
.timeline-card h5 { margin-bottom: 4px; font-size: 1.02rem; }
.timeline-card p { margin-bottom: 0; font-size: 0.9rem; color: var(--muted); }

@media (min-width: 992px) {
  .timeline::before { left: 50%; transform: translateX(-50%) scaleY(0); }
  .timeline.animate::before { transform: translateX(-50%) scaleY(1); }
  .timeline-item { width: 50%; padding-left: 0; }
  .timeline-item:nth-child(odd) { margin-right: 50%; padding-right: 46px; text-align: right; }
  .timeline-item:nth-child(even) { margin-left: 50%; padding-left: 46px; }
  .timeline-item:nth-child(odd)::before,
  .timeline-item:nth-child(even)::before { left: auto; right: -13px; }
  .timeline-item:nth-child(even)::before { left: -13px; right: auto; }
  .timeline-item .t-num { left: auto; right: 96%; transform: translateX(50%); top: 25px; }
  .timeline-item:nth-child(even) .t-num { left: 96%; right: auto; transform: translateX(-50%); }
  .timeline-item:nth-child(odd) .timeline-card { border-left: 4px solid var(--gold); border-right: 0; }
  .timeline-item:nth-child(even) .timeline-card { border-left: 0; border-right: 4px solid var(--gold); }
  .timeline-item:nth-child(odd) .timeline-card:hover { transform: translateX(-6px); }
}

/* ---------- Animated progress bars ---------- */
.progress-row { margin-bottom: 30px; }
.progress-row:last-child { margin-bottom: 0; }
.progress-head {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 8px;
}
.progress-head .p-label { font-weight: 700; color: var(--navy); }
.progress-head .p-val { font-weight: 800; color: var(--gold-dark); }
.progress-track {
  height: 10px;
  background: var(--border);
  border-radius: 999px;
  overflow: hidden;
}
.progress-fill {
  display: block;
  height: 100%;
  width: 0;
  border-radius: 999px;
  background: linear-gradient(90deg, var(--gold), var(--gold-light));
  position: relative;
  transition: width 1.5s cubic-bezier(0.22, 0.61, 0.36, 1);
}
.progress-fill::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(90deg, transparent, rgba(255,255,255,0.5), transparent);
  animation: shineSweep 2.4s ease-in-out infinite;
}

/* ---------- Why-us feature card ---------- */
.feature-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  padding: 26px 24px;
  height: 100%;
  position: relative;
  overflow: hidden;
  transition: transform 0.3s ease, box-shadow 0.3s ease;
}
.feature-card::before {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, rgba(240,165,0,0.06), transparent 55%);
  opacity: 0;
  transition: opacity 0.3s ease;
}
.feature-card:hover { transform: translateY(-8px); box-shadow: var(--shadow-lg); }
.feature-card:hover::before { opacity: 1; }
.feature-card .f-big {
  font-size: 2.4rem;
  font-weight: 800;
  line-height: 1;
  color: transparent;
  -webkit-text-stroke: 2px var(--gold);
  margin-bottom: 12px;
}
.feature-card h5 { font-size: 1.05rem; }
.feature-card p { font-size: 0.9rem; color: var(--muted); margin-bottom: 0; }

/* ---------- Testimonials ---------- */
.testi-wrap {
  position: relative;
  max-width: 820px;
  margin: 0 auto;
}
.testimonial-card {
  background: var(--white);
  border-radius: var(--radius);
  border: 1px solid var(--border);
  box-shadow: var(--shadow-md);
  padding: 42px 34px;
  text-align: center;
  position: relative;
}
.testimonial-card .quote-mark {
  position: absolute;
  top: -24px;
  left: 50%;
  transform: translateX(-50%);
  width: 52px; height: 52px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  color: var(--navy-deep);
  display: grid;
  place-items: center;
  font-size: 1.3rem;
  box-shadow: 0 8px 22px rgba(240,165,0,0.4);
  animation: bob 4s ease-in-out infinite;
}
.testimonial-card .stars { color: var(--gold); margin-bottom: 16px; }
.testimonial-card blockquote {
  font-size: 1.05rem;
  color: var(--ink);
  font-style: italic;
  margin-bottom: 22px;
  min-height: 96px;
}
.testi-avatar {
  width: 62px; height: 62px;
  border-radius: 50%;
  margin: 0 auto 12px;
  background: linear-gradient(135deg, var(--navy), var(--navy-soft));
  color: var(--gold-light);
  display: grid;
  place-items: center;
  font-weight: 800;
  font-size: 1.3rem;
  border: 3px solid rgba(240,165,0,0.4);
}
.testimonial-card h6 { margin-bottom: 2px; }
.testimonial-card .t-role { color: var(--gold-dark); font-weight: 700; font-size: 0.82rem; text-transform: uppercase; letter-spacing: 0.06em; }
.carousel-sfs .carousel-indicators [data-bs-target] {
  width: 12px; height: 12px;
  border-radius: 50%;
  background: var(--navy);
  opacity: 0.25;
  border: 0;
}
.carousel-sfs .carousel-indicators .active { opacity: 1; background: var(--gold); }
.carousel-sfs .carousel-control-prev, .carousel-sfs .carousel-control-next { opacity: 1; }
.carousel-sfs .carousel-control-prev-icon, .carousel-sfs .carousel-control-next-icon {
  filter: invert(1);
}
@media (max-width: 575.98px) {
  .testimonial-card { padding: 34px 20px; }
  .testimonial-card blockquote { min-height: 0; }
}

/* ---------- Parallax creative band ---------- */
.parallax-band {
  position: relative;
  background: linear-gradient(120deg, var(--navy-deep), var(--navy-soft));
  color: var(--white);
  overflow: hidden;
  padding: 84px 0;
}
.parallax-band .parallax-layer {
  position: absolute;
  inset: -60px 0;
  pointer-events: none;
  background-image:
    radial-gradient(circle at 20% 30%, rgba(240,165,0,0.18), transparent 30%),
    radial-gradient(circle at 80% 70%, rgba(64,128,220,0.2), transparent 32%),
    radial-gradient(circle at 60% 20%, rgba(255,255,255,0.08), transparent 26%);
}
.parallax-band .float-icon { opacity: 0.9; }
.parallax-band h2 { color: var(--white); }
.parallax-band .lead { color: rgba(255,255,255,0.85); }

/* ---------- CTA shine sweep ---------- */
.cta-band::after {
  content: "";
  position: absolute;
  top: 0; bottom: 0;
  left: -60%;
  width: 40%;
  background: linear-gradient(90deg, transparent, rgba(255,255,255,0.12), transparent);
  transform: skewX(-20deg);
  animation: shineSweep 5s ease-in-out infinite;
  z-index: 1;
  pointer-events: none;
}
.cta-band .container { position: relative; z-index: 2; }

/* ---------- Pulsing dots under section headings ---------- */
.section-pulse-dots {
  display: inline-flex;
  gap: 6px;
  justify-content: center;
  margin: 4px auto 0;
}
.section-pulse-dots span {
  width: 7px; height: 7px;
  border-radius: 50%;
  background: var(--gold);
  animation: pulseRing 1.8s ease-out infinite;
}
.section-pulse-dots span:nth-child(2) { animation-delay: 0.25s; }
.section-pulse-dots span:nth-child(3) { animation-delay: 0.5s; }

@media (prefers-reduced-motion: reduce) {
  .marquee-track, .hero-orb, .float-icon, .typed-cursor,
  .btn-gold::after, .cta-band::after, .grad-text,
  .timeline-item::before, .timeline-item .t-num,
  .progress-fill::after, .testimonial-card .quote-mark,
  .section-pulse-dots span { animation: none !important; }
  .timeline::before { transition: none; transform: scaleY(1); }
  .timeline.animate::before { transform: scaleY(1); }
}

/* =========================================================
   APPLY LOAN PAGE
   ========================================================= */

/* ---------- Block-split preloader ---------- */
#applyLoader {
  position: fixed;
  inset: 0;
  background: var(--navy-deep);
  z-index: 99999;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: opacity 0.5s ease, visibility 0.5s ease;
}
#applyLoader.hidden { opacity: 0; visibility: hidden; }
.loader-inner { text-align: center; z-index: 3; width: 90%; max-width: 520px; }
.loader-title {
  font-size: clamp(1.6rem, 4vw, 2.6rem);
  font-weight: 800;
  color: var(--white);
  letter-spacing: 0.06em;
  overflow: hidden;
}
.loader-title .grad-text { display: inline-block; }
.loader-bar {
  height: 4px;
  margin-top: 18px;
  background: rgba(255, 255, 255, 0.14);
  border-radius: 4px;
  overflow: hidden;
}
.loader-fill {
  height: 100%;
  width: 0;
  border-radius: 4px;
  background: linear-gradient(90deg, var(--gold), var(--gold-light));
  transition: width 0.15s linear;
}
.loader-meta {
  display: flex;
  justify-content: space-between;
  margin-top: 14px;
  font-weight: 700;
  letter-spacing: 0.1em;
  color: rgba(255, 255, 255, 0.75);
  font-size: 0.85rem;
}
.loader-blocks {
  position: absolute;
  inset: 0;
  display: grid;
  grid-template-columns: repeat(10, 1fr);
  grid-template-rows: repeat(5, 1fr);
}
.loader-blocks span {
  background: var(--navy-deep);
  border: 1px solid rgba(255, 255, 255, 0.03);
  transform: scaleY(1);
  transition: transform 0.6s cubic-bezier(0.7, 0, 0.3, 1), opacity 0.6s ease;
}
#applyLoader.split .loader-blocks span {
  transform: translateY(-110%) scaleY(0);
  opacity: 0;
}

/* ---------- Apply hero ---------- */
.apply-hero {
  position: relative;
  background:
    radial-gradient(900px 460px at 88% -10%, rgba(240, 165, 0, 0.22), transparent 60%),
    radial-gradient(700px 460px at -10% 110%, rgba(18, 60, 102, 0.6), transparent 60%),
    linear-gradient(135deg, var(--navy-deep) 0%, var(--navy) 55%, var(--navy-soft) 100%);
  color: var(--white);
  padding: 96px 0 110px;
  overflow: hidden;
}
.apply-hero .hero-orb { z-index: 1; }
.apply-hero .container { position: relative; z-index: 2; }
.apply-hero h1 { color: var(--white); font-weight: 800; font-size: clamp(2rem, 4.2vw, 3.2rem); }
.apply-hero .lead { color: rgba(255, 255, 255, 0.85); max-width: 560px; }
.apply-hero .check-list li { color: rgba(255, 255, 255, 0.92); }
.hero-visual {
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid rgba(255, 255, 255, 0.18);
  border-radius: var(--radius);
  backdrop-filter: blur(8px);
  padding: 24px;
  position: relative;
}
.hero-visual .mini-line { height: 10px; border-radius: 6px; background: rgba(255, 255, 255, 0.15); margin-bottom: 10px; }
.hero-visual .mini-line.short { width: 60%; }
.hero-visual .mini-line.gold { background: linear-gradient(90deg, var(--gold), var(--gold-light)); width: 40%; }
.hero-visual .mini-icon { width: 44px; height: 44px; border-radius: 12px; display: grid; place-items: center; font-size: 1.15rem; background: rgba(240, 165, 0, 0.22); color: var(--gold-light); }

/* ---------- Loan option cards ---------- */
.loan-option-card {
  border-radius: var(--radius);
  padding: 30px 26px;
  height: 100%;
  color: var(--white);
  position: relative;
  overflow: hidden;
  transition: transform 0.3s ease, box-shadow 0.3s ease;
  cursor: pointer;
}
.loan-option-card::after {
  content: "";
  position: absolute;
  right: -30px; bottom: -30px;
  width: 120px; height: 120px;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.12);
  transition: transform 0.4s ease;
}
.loan-option-card:hover { transform: translateY(-8px); box-shadow: var(--shadow-lg); }
.loan-option-card:hover::after { transform: scale(1.8); }
.loan-option-card .lo-icon {
  width: 56px; height: 56px;
  border-radius: 14px;
  background: rgba(255, 255, 255, 0.16);
  display: grid;
  place-items: center;
  font-size: 1.5rem;
  margin-bottom: 18px;
  transition: transform 0.3s ease;
}
.loan-option-card:hover .lo-icon { transform: rotate(-8deg) scale(1.1); }
.loan-option-card h5 { color: var(--white); font-size: 1.15rem; }
.loan-option-card p { color: rgba(255, 255, 255, 0.85); font-size: 0.9rem; }
.loan-option-card .lo-tags { display: flex; flex-wrap: wrap; gap: 8px; margin-top: 14px; }
.loan-option-card .lo-tags span { background: rgba(255, 255, 255, 0.16); padding: 5px 12px; border-radius: 999px; font-size: 0.75rem; font-weight: 600; }
.loan-option-card .lo-link { display: inline-flex; align-items: center; gap: 8px; font-weight: 700; margin-top: 16px; font-size: 0.9rem; }
.loan-option-card:hover .lo-link i { transform: translateX(4px); }
.loan-option-card .lo-link i { transition: transform 0.25s ease; }

/* ---------- Grid reveal panel ---------- */
.grid-reveal-panel {
  position: relative;
  background: linear-gradient(140deg, var(--navy-deep), #0d3a33);
  color: var(--white);
  overflow: hidden;
  border-radius: var(--radius);
  padding: 0;
}
.grid-reveal-panel .gr-blocks {
  position: absolute;
  inset: 0;
  display: grid;
  gap: 1px;
  z-index: 2;
  pointer-events: none;
}
.grid-reveal-panel .gr-blocks span {
  background: var(--navy-deep);
  opacity: 1;
  transition: transform 0.7s cubic-bezier(0.65, 0, 0.35, 1), opacity 0.7s ease;
}
.grid-reveal-panel .gr-blocks span.cleared { transform: scale(0.2); opacity: 0; }
.grid-reveal-panel .gr-content { position: relative; z-index: 3; padding: 64px 30px; }

/* ---------- Cycle tabs ---------- */
.cycle-tabs { display: flex; flex-wrap: wrap; gap: 10px; }
.cycle-tab-btn {
  border: 1px solid rgba(255, 255, 255, 0.25);
  background: rgba(255, 255, 255, 0.05);
  color: var(--white);
  border-radius: 999px;
  padding: 10px 20px;
  font-weight: 700;
  font-size: 0.9rem;
  transition: all 0.25s ease;
}
.cycle-tab-btn.active {
  background: linear-gradient(90deg, var(--gold), var(--gold-light));
  color: var(--navy-deep);
  border-color: transparent;
}
.cycle-pane { display: none; }
.cycle-pane.active { display: block; animation: fadeSlideIn 0.5s ease both; }
.cycle-pane ol { padding-left: 0; list-style: none; margin: 0; counter-reset: cyc; }
.cycle-pane ol li {
  position: relative;
  padding-left: 46px;
  margin-bottom: 16px;
  counter-increment: cyc;
}
.cycle-pane ol li::before {
  content: counter(cyc, decimal-leading-zero);
  position: absolute;
  left: 0; top: -2px;
  width: 34px; height: 34px;
  border-radius: 50%;
  border: 2px solid var(--gold);
  color: var(--gold-light);
  font-weight: 800;
  font-size: 0.8rem;
  display: grid;
  place-items: center;
}
.cycle-pane ol li strong { display: block; color: var(--white); }
.cycle-pane ol li span { color: rgba(255, 255, 255, 0.75); font-size: 0.92rem; }

/* ---------- Apply accordion ---------- */
.apply-accordion .apply-acc-item {
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  margin-bottom: 12px;
  overflow: hidden;
  background: var(--white);
  transition: box-shadow 0.3s ease;
}
.apply-accordion .apply-acc-item.open { box-shadow: var(--shadow-md); }
.apply-accordion .apply-acc-head {
  width: 100%;
  display: flex;
  align-items: center;
  gap: 16px;
  background: none;
  border: 0;
  text-align: left;
  padding: 18px 20px;
}
.apply-accordion .apply-acc-head .acc-num {
  width: 34px; height: 34px;
  flex: 0 0 34px;
  border-radius: 50%;
  background: var(--navy);
  color: var(--gold-light);
  font-weight: 800;
  font-size: 0.85rem;
  display: grid;
  place-items: center;
  transition: all 0.3s ease;
}
.apply-accordion .apply-acc-item.open .acc-num { background: var(--gold); color: var(--navy-deep); }
.apply-accordion .apply-acc-head h6 { margin: 0; flex: 1; font-size: 1rem; }
.apply-accordion .apply-acc-head .acc-arrow { transition: transform 0.3s ease; color: var(--gold-dark); }
.apply-accordion .apply-acc-item.open .acc-arrow { transform: rotate(180deg); }
.apply-accordion .apply-acc-body {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.45s ease;
}
.apply-accordion .apply-acc-body p { padding: 0 20px 18px 70px; margin: 0; color: var(--muted); font-size: 0.92rem; }

/* ---------- Pie counters ---------- */
.pie-counters { background: linear-gradient(140deg, var(--navy-deep), var(--navy)); color: var(--white); position: relative; overflow: hidden; }
.pie-counter {
  --p: 0;
  width: 136px; height: 136px;
  margin: 0 auto 18px;
  border-radius: 50%;
  display: grid;
  place-items: center;
  background: conic-gradient(var(--gold) calc(var(--p) * 1%), rgba(255, 255, 255, 0.1) 0);
  transition: background 0.1s linear;
}
.pie-counter::before { content: ""; position: absolute; inset: 12px; border-radius: 50%; background: var(--navy); }
.pie-counter .pie-inner { position: relative; z-index: 1; text-align: center; }
.pie-counter .pie-num { font-size: 1.55rem; font-weight: 800; color: var(--gold-light); }
.pie-counter small { display: block; color: rgba(255, 255, 255, 0.7); font-size: 0.7rem; letter-spacing: 0.05em; }
.pie-label { font-weight: 700; margin-bottom: 4px; }

/* ---------- Wizard ---------- */
.apply-wizard {
  background: var(--white);
  border-radius: var(--radius);
  box-shadow: var(--shadow-lg);
  overflow: hidden;
  border: 1px solid var(--border);
}
.apply-steps {
  display: flex;
  align-items: flex-start;
  justify-content: center;
  padding: 26px 20px 20px;
  background: linear-gradient(160deg, var(--navy-deep), var(--navy));
  position: relative;
}
.apply-step-item { position: relative; text-align: center; width: 33.333%; }
.apply-step-item .step-dot {
  width: 44px; height: 44px;
  margin: 0 auto 10px;
  border-radius: 50%;
  border: 2px solid rgba(255, 255, 255, 0.35);
  color: rgba(255, 255, 255, 0.7);
  display: grid;
  place-items: center;
  font-weight: 800;
  background: transparent;
  position: relative;
  z-index: 2;
  transition: all 0.35s ease;
}
.apply-step-item .step-dot i { display: none; }
.apply-step-item.active .step-dot { border-color: var(--gold); background: var(--gold); color: var(--navy-deep); }
.apply-step-item.done .step-dot { border-color: var(--gold); color: var(--gold-light); }
.apply-step-item.done .step-dot i { display: inline; }
.apply-step-item.done .step-dot span { display: none; }
.apply-step-item .step-label { color: rgba(255, 255, 255, 0.7); font-size: 0.8rem; font-weight: 700; }
.apply-step-item.active .step-label { color: var(--gold-light); }
.apply-step-item .step-line {
  position: absolute;
  top: 22px;
  right: 50%;
  left: -50%;
  height: 3px;
  background: rgba(255, 255, 255, 0.15);
  z-index: 1;
}
.apply-step-item:first-child .step-line { display: none; }
.apply-step-item.done .step-line, .apply-step-item.active .step-line { background: linear-gradient(90deg, var(--gold), var(--gold-light)); }

@keyframes fadeSlideIn {
  from { opacity: 0; transform: translateX(18px); }
  to { opacity: 1; transform: none; }
}
.apply-pane { display: none; }
.apply-pane.active { display: block; animation: fadeSlideIn 0.45s ease both; }
.apply-pane .pane-body { padding: 34px 30px 10px; }
.apply-pane .pane-foot { padding: 16px 30px 30px; display: flex; justify-content: space-between; gap: 12px; flex-wrap: wrap; }

.field-error { display: none; color: #d90429; font-size: 0.8rem; margin-top: 6px; }
.field-error.show { display: block; }
.form-control.is-invalid { border-color: #d90429; }

.range-wrap { display: flex; align-items: center; gap: 14px; }
.range-wrap input[type="range"] { flex: 1; accent-color: var(--gold); height: 30px; }
.amount-display {
  min-width: 120px;
  text-align: center;
  background: var(--light);
  border: 1px solid var(--border);
  border-radius: 10px;
  padding: 8px 12px;
  font-weight: 800;
  color: var(--navy);
  font-size: 1.05rem;
}

/* Upload cards */
.upload-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(200px, 1fr)); gap: 14px; }
.upload-card {
  border: 2px dashed var(--border);
  border-radius: var(--radius-sm);
  padding: 20px;
  text-align: center;
  cursor: pointer;
  transition: all 0.25s ease;
  background: var(--light);
}
.upload-card:hover { border-color: var(--gold); background: rgba(240, 165, 0, 0.06); }
.upload-card .up-icon { font-size: 1.6rem; color: var(--gold-dark); margin-bottom: 10px; }
.upload-card h6 { font-size: 0.9rem; margin-bottom: 4px; }
.upload-card p { font-size: 0.78rem; color: var(--muted); margin: 0; }
.upload-card.has-file { border-style: solid; border-color: var(--gold); }
.upload-card .file-name { font-size: 0.8rem; font-weight: 700; color: var(--navy); word-break: break-all; }

/* Face scan / connect bank buttons */
.btn-dashed {
  border: 2px dashed var(--gold);
  background: rgba(240, 165, 0, 0.08);
  color: var(--navy);
  border-radius: 12px;
  padding: 14px 20px;
  font-weight: 700;
  width: 100%;
  transition: all 0.25s ease;
}
.btn-dashed:hover { background: var(--gold); color: var(--navy-deep); }

/* Summary card */
.summary-card { background: var(--light); border: 1px solid var(--border); border-radius: var(--radius); padding: 24px; }
.summary-row { display: flex; justify-content: space-between; align-items: center; padding: 10px 0; border-bottom: 1px dashed var(--border); }
.summary-row:last-child { border-bottom: 0; }
.summary-row .s-label { color: var(--muted); font-weight: 600; font-size: 0.9rem; }
.summary-row .s-val { font-weight: 800; color: var(--navy); }

/* Signature */
.signature-box {
  border: 2px dashed var(--border);
  border-radius: var(--radius-sm);
  background: var(--light);
  position: relative;
  touch-action: none;
}
.signature-box canvas { display: block; width: 100%; height: 160px; cursor: crosshair; }
.signature-box .sig-placeholder {
  position: absolute;
  inset: 0;
  display: grid;
  place-items: center;
  color: var(--muted);
  font-size: 0.9rem;
  pointer-events: none;
  transition: opacity 0.3s ease;
}
.signature-box.has-signature .sig-placeholder { opacity: 0; }

/* Success message */
.apply-success {
  text-align: center;
  padding: 60px 30px;
}
.apply-success .success-icon {
  width: 84px; height: 84px;
  margin: 0 auto 22px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  color: var(--navy-deep);
  display: grid;
  place-items: center;
  font-size: 2rem;
  box-shadow: 0 14px 40px rgba(240, 165, 0, 0.4);
  animation: pulseRing 2s ease-out infinite;
}
.apply-success h3 { margin-bottom: 10px; }
.apply-success p { color: var(--muted); max-width: 480px; margin: 0 auto 22px; }

@media (max-width: 575.98px) {
  .apply-pane .pane-body { padding: 26px 18px 6px; }
  .apply-pane .pane-foot { padding: 14px 18px 24px; }
  .apply-step-item .step-label { font-size: 0.68rem; }
}

/* Identity confirmation highlight */
.form-check.is-invalid {
  border-color: var(--danger, #dc3545) !important;
  background: rgba(220, 53, 69, 0.06) !important;
}
.form-check.is-invalid .form-check-label { color: #dc3545; }

/* =========================================
   GALLERY PAGE
========================================= */
.gallery-grid { margin: 0; }

.gallery-item {
  position: relative;
  margin: 0;
  border-radius: 14px;
  overflow: hidden;
  cursor: zoom-in;
  background: var(--navy-100, #eef2f7);
  box-shadow: 0 6px 18px rgba(10, 37, 64, 0.08);
  transition: transform 0.35s ease, box-shadow 0.35s ease;
}
.gallery-item img {
  display: block;
  width: 100%;
  aspect-ratio: 1 / 1;
  object-fit: cover;
  transition: transform 0.5s ease;
}
.gallery-item:hover,
.gallery-item:focus-visible {
  transform: translateY(-5px);
  box-shadow: 0 16px 34px rgba(10, 37, 64, 0.18);
  outline: none;
}
.gallery-item:hover img,
.gallery-item:focus-visible img { transform: scale(1.08); }

.gallery-overlay {
  position: absolute;
  inset: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  background: linear-gradient(to top, rgba(10, 37, 64, 0.75) 0%, rgba(10, 37, 64, 0.15) 45%, rgba(10, 37, 64, 0) 70%);
  opacity: 0;
  transition: opacity 0.35s ease;
}
.gallery-item:hover .gallery-overlay,
.gallery-item:focus-visible .gallery-overlay { opacity: 1; }

.gi-icon {
  width: 52px;
  height: 52px;
  border-radius: 50%;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  background: var(--gold, #f0a500);
  color: var(--navy, #0a2540);
  font-size: 1.15rem;
  transform: scale(0.6);
  transition: transform 0.35s ease;
}
.gallery-item:hover .gi-icon,
.gallery-item:focus-visible .gi-icon { transform: scale(1); }

.gi-badge {
  position: absolute;
  top: 12px;
  left: 12px;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.04em;
  color: #fff;
  background: rgba(10, 37, 64, 0.65);
  padding: 4px 10px;
  border-radius: 999px;
}

/* Lightbox */
#lightbox {
  position: fixed;
  inset: 0;
  z-index: 3000;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 24px;
  background: rgba(6, 26, 47, 0.92);
  backdrop-filter: blur(8px);
  opacity: 0;
  visibility: hidden;
  transition: opacity 0.3s ease, visibility 0.3s ease;
}
#lightbox.open { opacity: 1; visibility: visible; }

.lb-figure {
  margin: 0;
  max-width: min(1000px, 92vw);
  text-align: center;
}
#lightbox img {
  max-width: 100%;
  max-height: 80vh;
  border-radius: 12px;
  box-shadow: 0 24px 60px rgba(0, 0, 0, 0.45);
  animation: lbZoomIn 0.3s ease both;
}
@keyframes lbZoomIn {
  from { transform: scale(0.92); opacity: 0; }
  to { transform: scale(1); opacity: 1; }
}
#lightbox figcaption {
  margin-top: 14px;
  color: rgba(255, 255, 255, 0.85);
  font-size: 0.9rem;
  letter-spacing: 0.06em;
}

.lb-btn {
  position: absolute;
  width: 46px;
  height: 46px;
  border: none;
  border-radius: 50%;
  background: rgba(255, 255, 255, 0.12);
  color: #fff;
  font-size: 1.05rem;
  display: flex;
  align-items: center;
  justify-content: center;
  cursor: pointer;
  transition: background 0.25s ease, transform 0.25s ease;
}
.lb-btn:hover { background: var(--gold, #f0a500); color: var(--navy, #0a2540); transform: scale(1.08); }
.lb-close { top: 20px; right: 20px; }
.lb-prev { left: 16px; top: 50%; transform: translateY(-50%); }
.lb-next { right: 16px; top: 50%; transform: translateY(-50%); }
.lb-prev:hover { transform: translateY(-50%) scale(1.08); }
.lb-next:hover { transform: translateY(-50%) scale(1.08); }

@media (max-width: 767.98px) {
  .lb-prev { left: 8px; }
  .lb-next { right: 8px; }
  .lb-btn { width: 40px; height: 40px; }
}

@media (prefers-reduced-motion: reduce) {
  .gallery-item, .gallery-item img, .gi-icon, .gallery-overlay { transition: none !important; }
  #lightbox, #lightbox img, .lb-btn { transition: none !important; animation: none !important; }
}

/* =========================================
   FOUNDER / AUTHOR SECTION
========================================= */
.creator-section {
  position: relative;
  background: linear-gradient(150deg, #061a2f 0%, #123c66 100%);
  overflow: hidden;
}
.creator-section::before {
  content: "";
  position: absolute;
  top: -120px; right: -120px;
  width: 380px; height: 380px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(240, 165, 0, 0.28), transparent 70%);
  filter: blur(40px);
}
.creator-section .eyebrow { color: var(--gold-light); }
.creator-section h2 { color: #fff; }
.creator-section .lead, .creator-section p.text-muted { color: rgba(255, 255, 255, 0.82) !important; }
.creator-section .text-muted strong { color: #fff; }

.creator-img {
  position: relative;
  max-width: 420px;
  margin: 0 auto;
}
.creator-img .ci-frame {
  position: relative;
  border-radius: 18px;
  overflow: hidden;
  border: 1px solid rgba(255, 255, 255, 0.15);
  box-shadow: 0 24px 60px rgba(0, 0, 0, 0.4);
}
.creator-img .ci-frame img {
  display: block;
  width: 100%;
  aspect-ratio: 4 / 5;
  object-fit: cover;
}
.creator-img .ci-frame::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(to top, rgba(6, 26, 47, 0.75), transparent 55%);
}
.creator-img .ci-badge {
  position: absolute;
  bottom: 70px;
  left: -18px;
  z-index: 3;
  width: 54px; height: 54px;
  border-radius: 50%;
  display: grid;
  place-items: center;
  color: var(--navy);
  font-size: 1.15rem;
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  box-shadow: 0 10px 24px rgba(240, 165, 0, 0.45);
}
.creator-img .ci-caption {
  position: absolute;
  left: 18px;
  bottom: 16px;
  z-index: 3;
  color: #fff;
}
.creator-img .ci-caption strong { display: block; font-size: 1.3rem; }
.creator-img .ci-caption span { font-size: 0.85rem; color: rgba(255, 255, 255, 0.8); }

.creator-stats { max-width: 420px; }
.creator-stats .cs-num {
  font-size: 1.9rem;
  font-weight: 800;
  color: var(--gold-light);
  line-height: 1;
}
.creator-stats .cs-num sup { font-size: 0.7rem; }
.creator-stats .cs-label {
  font-size: 0.78rem;
  color: rgba(255, 255, 255, 0.72);
  margin-top: 6px;
  letter-spacing: 0.03em;
}
.creator-section .btn-navy {
  background: var(--gold);
  border-color: var(--gold);
  color: var(--navy-deep);
}
.creator-section .btn-navy:hover { background: var(--gold-light); border-color: var(--gold-light); }

@media (prefers-reduced-motion: reduce) {
  .creator-section::before { filter: none; }
}

/* =========================================
   PARTNERS / ASSOCIATIONS SECTION
========================================= */
.partners-section { background: var(--white); }
.partners-grid {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 14px;
}
.partner-logo {
  height: 96px;
  padding: 12px;
  border: 1px solid var(--border);
  border-radius: 12px;
  background: var(--white);
  box-shadow: 0 3px 10px rgba(10, 37, 64, 0.06);
  perspective: 800px;
  cursor: pointer;
  transition: transform 0.25s ease, box-shadow 0.25s ease, border-color 0.25s ease;
}
.partner-logo:hover {
  transform: translateY(-4px);
  border-color: var(--gold);
  box-shadow: 0 12px 22px rgba(10, 37, 64, 0.16);
}
.partner-logo .pl-inner {
  position: relative;
  width: 100%;
  height: 100%;
  transform-style: preserve-3d;
  transition: transform 0.55s ease;
}
.partner-logo:hover .pl-inner { transform: rotateY(180deg); }
.partner-logo .pl-face {
  position: absolute;
  inset: 0;
  display: flex;
  align-items: center;
  justify-content: center;
  backface-visibility: hidden;
  -webkit-backface-visibility: hidden;
}
.partner-logo .pl-front img {
      width: 256px;
    height: 85px;

  object-fit: contain;
  display: block;
}
.partner-logo .pl-front .pl-mono {
  width: 64px;
  height: 64px;
  font-size: 0.95rem;
  font-weight: 800;
  color: var(--navy);
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  border-radius: 10px;
  display: grid;
  place-items: center;
}
.partner-logo .pl-back {
  transform: rotateY(180deg);
  background: linear-gradient(150deg, #061a2f 0%, #123c66 100%);
  border-radius: 10px;
  color: #fff;
  text-align: center;
  font-size: 0.72rem;
  font-weight: 600;
  line-height: 1.2;
  padding: 6px;
}
.partner-logo .pl-back span {
  display: -webkit-box;
  -webkit-line-clamp: 3;
  -webkit-box-orient: vertical;
  overflow: hidden;
}

@media (max-width: 991.98px) { .partners-grid { grid-template-columns: repeat(4, 1fr); } }
@media (max-width: 767.98px) { .partners-grid { grid-template-columns: repeat(3, 1fr); } }
@media (max-width: 575.98px) { .partners-grid { grid-template-columns: repeat(2, 1fr); } }

@media (prefers-reduced-motion: reduce) {
  .partner-logo, .partner-logo .pl-inner { transition: none !important; }
  .partner-logo:hover .pl-inner { transform: none; }
  .partner-logo .pl-back { display: none; }
}