/* ============================================================
   VK FINANCE - Premium Loan Website CSS
   ============================================================ */

@import url('https://fonts.googleapis.com/css2?family=Inter:wght@300;400;500;600;700;800&family=Playfair+Display:wght@700;800&display=swap');

:root {
  --navy: #0a1628;
  --navy-mid: #112240;
  --navy-light: #1a3a6e;
  --gold: #c9a84c;
  --gold-light: #f0c84a;
  --gold-pale: #fef3c7;
  --white: #ffffff;
  --gray-100: #f8f9fa;
  --gray-200: #e9ecef;
  --gray-500: #6c757d;
  --gray-700: #343a40;
  --text-dark: #0d1b35;
  --text-light: #6c7a8e;
  --shadow-sm: 0 2px 8px rgba(10,22,40,0.08);
  --shadow-md: 0 8px 30px rgba(10,22,40,0.12);
  --shadow-lg: 0 20px 60px rgba(10,22,40,0.18);
  --radius: 12px;
  --radius-lg: 20px;
  --transition: all 0.3s cubic-bezier(0.4,0,0.2,1);
}

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

html { scroll-behavior: smooth; }

body {
  font-family: 'Inter', sans-serif;
  color: var(--text-dark);
  background: var(--white);
  line-height: 1.6;
  overflow-x: hidden;
}

a { text-decoration: none; color: inherit; }
ul { list-style: none; }
img { max-width: 100%; height: auto; display: block; }

/* ============ UTILITIES ============ */
.container {
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 20px;
}

.section-pad { padding: 80px 0; }
.section-pad-sm { padding: 60px 0; }

.badge {
  display: inline-block;
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  color: var(--navy);
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 2px;
  text-transform: uppercase;
  padding: 6px 16px;
  border-radius: 50px;
  margin-bottom: 16px;
}

.section-title {
  font-family: 'Playfair Display', serif;
  font-size: clamp(2rem, 4vw, 2.8rem);
  font-weight: 800;
  color: var(--navy);
  line-height: 1.2;
  margin-bottom: 16px;
}

.section-title span {
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.section-sub {
  font-size: 1.05rem;
  color: var(--text-light);
  max-width: 600px;
  margin-bottom: 48px;
}

.text-center { text-align: center; }
.text-center .section-sub { margin: 0 auto 48px; }

.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 32px;
  border-radius: 50px;
  font-weight: 600;
  font-size: 0.95rem;
  cursor: pointer;
  transition: var(--transition);
  border: none;
  text-decoration: none;
}

.btn-primary {
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  color: var(--navy);
  box-shadow: 0 4px 20px rgba(201,168,76,0.4);
}

.btn-primary:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 30px rgba(201,168,76,0.5);
}

.btn-secondary {
  background: transparent;
  color: var(--white);
  border: 2px solid rgba(255,255,255,0.4);
}

.btn-secondary:hover {
  background: rgba(255,255,255,0.1);
  border-color: var(--gold);
  color: var(--gold);
}

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

.btn-outline:hover {
  background: var(--navy);
  color: var(--gold);
}

/* ============ NAVBAR ============ */
.navbar {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  padding: 0 0;
  transition: var(--transition);
  background: rgba(10,22,40,0.95);
  backdrop-filter: blur(20px);
  border-bottom: 1px solid rgba(201,168,76,0.15);
}

.navbar.scrolled {
  background: rgba(10,22,40,0.98);
  box-shadow: var(--shadow-md);
}

.navbar-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 72px;
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
}

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

.logo-icon {
  width: 44px;
  height: 44px;
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: 'Playfair Display', serif;
  font-weight: 800;
  font-size: 1.2rem;
  color: var(--navy);
  flex-shrink: 0;
}

.logo-text {
  display: flex;
  flex-direction: column;
  line-height: 1.1;
}

.logo-name {
  font-family: 'Playfair Display', serif;
  font-weight: 700;
  font-size: 1.3rem;
  color: var(--white);
}

.logo-tagline {
  font-size: 0.65rem;
  color: var(--gold);
  letter-spacing: 1.5px;
  text-transform: uppercase;
  font-weight: 500;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 8px;
}

.nav-links a {
  padding: 8px 14px;
  color: rgba(255,255,255,0.8);
  font-size: 0.9rem;
  font-weight: 500;
  border-radius: 8px;
  transition: var(--transition);
}

.nav-links a:hover,
.nav-links a.active {
  color: var(--gold);
  background: rgba(201,168,76,0.1);
}

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

.nav-phone {
  color: var(--gold);
  font-weight: 600;
  font-size: 0.9rem;
  display: flex;
  align-items: center;
  gap: 6px;
}

.hamburger {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  padding: 8px;
}

.hamburger span {
  display: block;
  width: 24px;
  height: 2px;
  background: var(--white);
  border-radius: 2px;
  transition: var(--transition);
}

/* ============ HERO ============ */
.hero {
  min-height: 100vh;
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 50%, #0d2344 100%);
  position: relative;
  display: flex;
  align-items: center;
  overflow: hidden;
  padding-top: 72px;
}

.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: url('data:image/svg+xml,<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 1200 800"><defs><radialGradient id="g1" cx="70%" cy="40%"><stop offset="0%" stop-color="%23c9a84c" stop-opacity="0.15"/><stop offset="100%" stop-color="%23c9a84c" stop-opacity="0"/></radialGradient></defs><rect width="1200" height="800" fill="url(%23g1)"/></svg>') no-repeat center;
  background-size: cover;
}

.hero-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
  position: relative;
  z-index: 1;
  width: 100%;
  max-width: 1200px;
  margin: 0 auto;
  padding: 60px 24px;
}

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(201,168,76,0.15);
  border: 1px solid rgba(201,168,76,0.3);
  color: var(--gold);
  font-size: 0.8rem;
  font-weight: 600;
  letter-spacing: 1px;
  text-transform: uppercase;
  padding: 8px 18px;
  border-radius: 50px;
  margin-bottom: 24px;
}

.hero-title {
  font-family: 'Playfair Display', serif;
  font-size: clamp(2.4rem, 5vw, 3.8rem);
  font-weight: 800;
  color: var(--white);
  line-height: 1.15;
  margin-bottom: 24px;
}

.hero-title .highlight {
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.hero-desc {
  font-size: 1.1rem;
  color: rgba(255,255,255,0.7);
  line-height: 1.7;
  margin-bottom: 36px;
  max-width: 480px;
}

.hero-actions {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
  margin-bottom: 48px;
}

.hero-stats {
  display: flex;
  gap: 32px;
  padding-top: 32px;
  border-top: 1px solid rgba(255,255,255,0.1);
}

.stat-item { text-align: left; }

.stat-number {
  font-family: 'Playfair Display', serif;
  font-size: 1.8rem;
  font-weight: 700;
  color: var(--gold);
  line-height: 1;
}

.stat-label {
  font-size: 0.8rem;
  color: rgba(255,255,255,0.5);
  margin-top: 4px;
  text-transform: uppercase;
  letter-spacing: 0.5px;
}

/* Hero Form Card */
.hero-form-card {
  background: rgba(255,255,255,0.06);
  backdrop-filter: blur(20px);
  border: 1px solid rgba(201,168,76,0.2);
  border-radius: var(--radius-lg);
  padding: 36px;
  position: relative;
  overflow: hidden;
}

.hero-form-card::before {
  content: '';
  position: absolute;
  top: -50px; right: -50px;
  width: 200px; height: 200px;
  background: radial-gradient(circle, rgba(201,168,76,0.1) 0%, transparent 70%);
  pointer-events: none;
}

.hero-form-title {
  font-family: 'Playfair Display', serif;
  font-size: 1.6rem;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 6px;
}

.hero-form-sub {
  font-size: 0.9rem;
  color: rgba(255,255,255,0.5);
  margin-bottom: 28px;
}

.form-group {
  margin-bottom: 16px;
}

.form-group label {
  display: block;
  font-size: 0.8rem;
  font-weight: 600;
  color: rgba(255,255,255,0.7);
  text-transform: uppercase;
  letter-spacing: 0.8px;
  margin-bottom: 6px;
}

.form-control {
  width: 100%;
  padding: 13px 16px;
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,255,255,0.15);
  border-radius: 10px;
  color: var(--white);
  font-size: 0.95rem;
  font-family: 'Inter', sans-serif;
  transition: var(--transition);
  outline: none;
}

.form-control::placeholder { color: rgba(255,255,255,0.35); }

.form-control:focus {
  border-color: var(--gold);
  background: rgba(255,255,255,0.12);
  box-shadow: 0 0 0 3px rgba(201,168,76,0.15);
}

.form-control option { background: var(--navy-mid); color: var(--white); }

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
}

.form-submit {
  width: 100%;
  padding: 15px;
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  color: var(--navy);
  border: none;
  border-radius: 10px;
  font-size: 1rem;
  font-weight: 700;
  cursor: pointer;
  transition: var(--transition);
  margin-top: 8px;
  font-family: 'Inter', sans-serif;
  letter-spacing: 0.5px;
}

.form-submit:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 25px rgba(201,168,76,0.4);
}

.form-note {
  text-align: center;
  font-size: 0.75rem;
  color: rgba(255,255,255,0.4);
  margin-top: 12px;
}

/* ============ FEATURES STRIP ============ */
.features-strip {
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  padding: 20px 0;
}

.features-strip-inner {
  display: flex;
  justify-content: center;
  flex-wrap: wrap;
  gap: 0;
}

.strip-item {
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 8px 28px;
  border-right: 1px solid rgba(10,22,40,0.15);
  color: var(--navy);
  font-weight: 600;
  font-size: 0.9rem;
}

.strip-item:last-child { border-right: none; }

.strip-icon {
  font-size: 1.2rem;
}

/* ============ LOAN TYPES ============ */
.loans-section { background: var(--gray-100); }

.loans-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 24px;
}

.loan-card {
  background: var(--white);
  border-radius: var(--radius);
  padding: 32px 28px;
  box-shadow: var(--shadow-sm);
  transition: var(--transition);
  border: 1px solid var(--gray-200);
  position: relative;
  overflow: hidden;
  cursor: pointer;
}

.loan-card::before {
  content: '';
  position: absolute;
  bottom: 0; left: 0; right: 0;
  height: 4px;
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  opacity: 0;
  transition: var(--transition);
}

.loan-card:hover {
  transform: translateY(-8px);
  box-shadow: var(--shadow-lg);
  border-color: transparent;
}

.loan-card:hover::before { opacity: 1; }

.loan-icon {
  width: 60px;
  height: 60px;
  background: linear-gradient(135deg, rgba(10,22,40,0.08), rgba(10,22,40,0.04));
  border-radius: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.8rem;
  margin-bottom: 20px;
  transition: var(--transition);
}

.loan-card:hover .loan-icon {
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
}

.loan-name {
  font-family: 'Playfair Display', serif;
  font-size: 1.2rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 10px;
}

.loan-desc {
  font-size: 0.88rem;
  color: var(--text-light);
  line-height: 1.6;
  margin-bottom: 20px;
}

.loan-rate {
  display: flex;
  align-items: center;
  gap: 6px;
}

.loan-rate-val {
  font-size: 1.4rem;
  font-weight: 700;
  color: var(--navy);
  font-family: 'Playfair Display', serif;
}

.loan-rate-label {
  font-size: 0.78rem;
  color: var(--text-light);
  line-height: 1.2;
}

.loan-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  color: var(--gold);
  font-weight: 600;
  font-size: 0.88rem;
  margin-top: 16px;
  transition: var(--transition);
}

.loan-link:hover { gap: 10px; }

/* ============ WHY CHOOSE US ============ */
.why-section { background: var(--white); }

.why-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
}

.why-image-wrap {
  position: relative;
  border-radius: var(--radius-lg);
  overflow: hidden;
}

.why-img {
  width: 100%;
  height: 500px;
  object-fit: cover;
  border-radius: var(--radius-lg);
  background: linear-gradient(135deg, var(--navy-mid), var(--navy-light));
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 6rem;
}

.why-badge-float {
  position: absolute;
  bottom: 24px;
  left: 24px;
  background: var(--white);
  border-radius: 14px;
  padding: 16px 20px;
  box-shadow: var(--shadow-md);
  display: flex;
  align-items: center;
  gap: 12px;
}

.why-badge-icon {
  width: 48px;
  height: 48px;
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.3rem;
  flex-shrink: 0;
}

.why-badge-text strong {
  display: block;
  font-weight: 700;
  color: var(--navy);
  font-size: 1rem;
}

.why-badge-text span {
  font-size: 0.78rem;
  color: var(--text-light);
}

.why-features {
  display: flex;
  flex-direction: column;
  gap: 28px;
}

.why-feature {
  display: flex;
  gap: 20px;
  align-items: flex-start;
}

.why-feature-icon {
  width: 52px;
  height: 52px;
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  border-radius: 12px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.3rem;
  flex-shrink: 0;
}

.why-feature-content h4 {
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 6px;
  font-size: 1rem;
}

.why-feature-content p {
  font-size: 0.88rem;
  color: var(--text-light);
  line-height: 1.6;
}

/* ============ HOW IT WORKS ============ */
.how-section { background: var(--navy); position: relative; overflow: hidden; }

.how-section::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse at 80% 50%, rgba(201,168,76,0.08) 0%, transparent 70%);
}

.how-section .section-title { color: var(--white); }
.how-section .section-sub { color: rgba(255,255,255,0.6); }

.steps-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 32px;
  position: relative;
  z-index: 1;
}

.steps-grid::before {
  content: '';
  position: absolute;
  top: 30px;
  left: 12%;
  right: 12%;
  height: 2px;
  background: linear-gradient(90deg, var(--gold), var(--gold-light), var(--gold));
  opacity: 0.3;
  z-index: 0;
}

.step-card {
  text-align: center;
  position: relative;
  z-index: 1;
}

.step-num {
  width: 60px;
  height: 60px;
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: 'Playfair Display', serif;
  font-weight: 800;
  font-size: 1.3rem;
  color: var(--navy);
  margin: 0 auto 20px;
  box-shadow: 0 8px 25px rgba(201,168,76,0.3);
}

.step-title {
  font-weight: 700;
  color: var(--white);
  margin-bottom: 10px;
  font-size: 1rem;
}

.step-desc {
  font-size: 0.85rem;
  color: rgba(255,255,255,0.55);
  line-height: 1.6;
}

/* ============ EMI CALCULATOR ============ */
.calc-section { background: var(--gray-100); }

.calc-wrap {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 48px;
  box-shadow: var(--shadow-md);
}

.calc-form { padding-right: 32px; border-right: 1px solid var(--gray-200); }

.calc-label {
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-weight: 600;
  color: var(--navy);
  font-size: 0.9rem;
  margin-bottom: 10px;
}

.calc-value {
  color: var(--gold);
  font-weight: 700;
  font-family: 'Playfair Display', serif;
}

input[type="range"] {
  width: 100%;
  height: 6px;
  border-radius: 50px;
  background: linear-gradient(90deg, var(--gold) var(--val, 0%), var(--gray-200) var(--val, 0%));
  outline: none;
  cursor: pointer;
  margin-bottom: 24px;
  appearance: none;
  -webkit-appearance: none;
}

input[type="range"]::-webkit-slider-thumb {
  appearance: none;
  -webkit-appearance: none;
  width: 20px;
  height: 20px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  box-shadow: 0 4px 12px rgba(201,168,76,0.4);
  cursor: pointer;
  border: 3px solid white;
}

.calc-result { display: flex; flex-direction: column; justify-content: center; }

.calc-result-title {
  font-family: 'Playfair Display', serif;
  font-size: 1.4rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 28px;
}

.result-item {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 16px 0;
  border-bottom: 1px solid var(--gray-200);
}

.result-item:last-of-type { border-bottom: none; }

.result-label { font-size: 0.9rem; color: var(--text-light); }

.result-val {
  font-weight: 700;
  font-size: 1.1rem;
  color: var(--navy);
  font-family: 'Playfair Display', serif;
}

.emi-highlight {
  background: linear-gradient(135deg, var(--navy), var(--navy-mid));
  border-radius: var(--radius);
  padding: 20px 24px;
  margin-bottom: 16px;
  display: flex;
  justify-content: space-between;
  align-items: center;
}

.emi-highlight .result-label { color: rgba(255,255,255,0.7); }
.emi-highlight .result-val { color: var(--gold); font-size: 1.6rem; }

/* ============ TESTIMONIALS ============ */
.testi-section { background: var(--white); }

.testi-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

.testi-card {
  background: var(--gray-100);
  border-radius: var(--radius);
  padding: 28px;
  border: 1px solid var(--gray-200);
  transition: var(--transition);
}

.testi-card:hover {
  box-shadow: var(--shadow-md);
  border-color: var(--gold);
  transform: translateY(-4px);
}

.testi-stars {
  color: var(--gold);
  font-size: 0.9rem;
  letter-spacing: 2px;
  margin-bottom: 14px;
}

.testi-text {
  font-size: 0.9rem;
  color: var(--text-light);
  line-height: 1.7;
  margin-bottom: 20px;
  font-style: italic;
}

.testi-author {
  display: flex;
  align-items: center;
  gap: 12px;
}

.testi-avatar {
  width: 44px;
  height: 44px;
  background: linear-gradient(135deg, var(--navy), var(--navy-light));
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  color: var(--gold);
  font-size: 1rem;
  flex-shrink: 0;
}

.testi-name {
  font-weight: 700;
  color: var(--navy);
  font-size: 0.92rem;
}

.testi-location {
  font-size: 0.78rem;
  color: var(--text-light);
}

.testi-loan {
  display: inline-block;
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  color: var(--navy);
  font-size: 0.7rem;
  font-weight: 700;
  padding: 3px 10px;
  border-radius: 20px;
  margin-top: 4px;
}

/* ============ CTA BANNER ============ */
.cta-section {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 100%);
  padding: 80px 0;
  position: relative;
  overflow: hidden;
}

.cta-section::before {
  content: '';
  position: absolute;
  top: -100px; right: -100px;
  width: 400px; height: 400px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(201,168,76,0.15) 0%, transparent 70%);
}

.cta-inner {
  text-align: center;
  position: relative;
  z-index: 1;
}

.cta-inner h2 {
  font-family: 'Playfair Display', serif;
  font-size: clamp(2rem, 4vw, 3rem);
  font-weight: 800;
  color: var(--white);
  margin-bottom: 16px;
}

.cta-inner p {
  color: rgba(255,255,255,0.65);
  max-width: 560px;
  margin: 0 auto 36px;
  font-size: 1rem;
}

.cta-buttons {
  display: flex;
  gap: 16px;
  justify-content: center;
  flex-wrap: wrap;
}

/* ============ CONTACT SECTION ============ */
.contact-section { background: var(--gray-100); }

.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1.5fr;
  gap: 48px;
  align-items: start;
}

.contact-info h3 {
  font-family: 'Playfair Display', serif;
  font-size: 1.8rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 16px;
}

.contact-info p {
  color: var(--text-light);
  line-height: 1.7;
  margin-bottom: 32px;
}

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

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

.contact-item-icon {
  width: 44px;
  height: 44px;
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.1rem;
  flex-shrink: 0;
}

.contact-item-content strong {
  display: block;
  font-weight: 700;
  color: var(--navy);
  font-size: 0.9rem;
  margin-bottom: 3px;
}

.contact-item-content span {
  font-size: 0.85rem;
  color: var(--text-light);
}

.contact-form-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 40px;
  box-shadow: var(--shadow-md);
}

.contact-form-card h3 {
  font-family: 'Playfair Display', serif;
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 8px;
}

.contact-form-card p {
  font-size: 0.88rem;
  color: var(--text-light);
  margin-bottom: 28px;
}

.contact-form .form-group label {
  color: var(--navy);
  font-size: 0.82rem;
  font-weight: 600;
  letter-spacing: 0.5px;
}

.contact-form .form-control {
  background: var(--gray-100);
  border-color: var(--gray-200);
  color: var(--text-dark);
}

.contact-form .form-control::placeholder { color: var(--text-light); }

.contact-form .form-control:focus {
  background: white;
  border-color: var(--gold);
  color: var(--text-dark);
}

.contact-form .form-submit {
  background: linear-gradient(135deg, var(--navy), var(--navy-mid));
  color: var(--gold);
}

.contact-form .form-submit:hover {
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  color: var(--navy);
}

/* ============ FOOTER ============ */
.footer {
  background: var(--navy);
  padding: 64px 0 0;
  border-top: 1px solid rgba(201,168,76,0.15);
}

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1.3fr;
  gap: 48px;
  margin-bottom: 48px;
}

.footer-brand p {
  color: rgba(255,255,255,0.5);
  font-size: 0.88rem;
  line-height: 1.7;
  margin: 16px 0 24px;
}

.footer-socials {
  display: flex;
  gap: 10px;
}

.social-btn {
  width: 36px;
  height: 36px;
  background: rgba(255,255,255,0.08);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.9rem;
  color: rgba(255,255,255,0.6);
  transition: var(--transition);
  cursor: pointer;
}

.social-btn:hover {
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  color: var(--navy);
}

.footer-col h4 {
  font-weight: 700;
  color: var(--white);
  margin-bottom: 20px;
  font-size: 0.95rem;
  text-transform: uppercase;
  letter-spacing: 1px;
}

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

.footer-col ul li a {
  color: rgba(255,255,255,0.5);
  font-size: 0.88rem;
  transition: var(--transition);
}

.footer-col ul li a:hover {
  color: var(--gold);
  padding-left: 6px;
}

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

.footer-newsletter p {
  font-size: 0.85rem;
  color: rgba(255,255,255,0.5);
  line-height: 1.6;
}

.newsletter-form {
  display: flex;
  gap: 0;
  border-radius: 8px;
  overflow: hidden;
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(201,168,76,0.2);
}

.newsletter-form input {
  flex: 1;
  background: transparent;
  border: none;
  padding: 12px 14px;
  color: white;
  font-size: 0.85rem;
  font-family: 'Inter', sans-serif;
  outline: none;
}

.newsletter-form input::placeholder { color: rgba(255,255,255,0.35); }

.newsletter-form button {
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  color: var(--navy);
  border: none;
  padding: 12px 16px;
  cursor: pointer;
  font-weight: 700;
  font-size: 0.85rem;
  transition: var(--transition);
  white-space: nowrap;
}

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.08);
  padding: 20px 0;
  display: flex;
  justify-content: space-between;
  align-items: center;
  flex-wrap: wrap;
  gap: 12px;
}

.footer-bottom p {
  color: rgba(255,255,255,0.4);
  font-size: 0.82rem;
}

.footer-bottom a {
  color: var(--gold);
  font-size: 0.82rem;
}

/* ============ PAGE HERO ============ */
.page-hero {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-mid) 100%);
  padding: 140px 0 80px;
  text-align: center;
  position: relative;
  overflow: hidden;
}

.page-hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(ellipse at 60% 50%, rgba(201,168,76,0.1) 0%, transparent 70%);
}

.page-hero h1 {
  font-family: 'Playfair Display', serif;
  font-size: clamp(2.2rem, 4vw, 3.2rem);
  font-weight: 800;
  color: var(--white);
  margin-bottom: 16px;
  position: relative;
  z-index: 1;
}

.page-hero p {
  color: rgba(255,255,255,0.65);
  font-size: 1.05rem;
  max-width: 560px;
  margin: 0 auto;
  position: relative;
  z-index: 1;
}

.breadcrumb {
  display: flex;
  gap: 8px;
  align-items: center;
  justify-content: center;
  margin-top: 20px;
  font-size: 0.85rem;
  position: relative;
  z-index: 1;
}

.breadcrumb a { color: var(--gold); }
.breadcrumb span { color: rgba(255,255,255,0.4); }

/* ============ SUCCESS MODAL ============ */
.modal-overlay {
  position: fixed;
  inset: 0;
  background: rgba(10,22,40,0.85);
  z-index: 9999;
  display: none;
  align-items: center;
  justify-content: center;
  backdrop-filter: blur(4px);
}

.modal-overlay.active { display: flex; }

.modal-box {
  background: white;
  border-radius: var(--radius-lg);
  padding: 48px 40px;
  text-align: center;
  max-width: 440px;
  width: 90%;
  animation: modalIn 0.4s cubic-bezier(0.4,0,0.2,1);
}

@keyframes modalIn {
  from { opacity: 0; transform: scale(0.85) translateY(20px); }
  to { opacity: 1; transform: scale(1) translateY(0); }
}

.modal-icon {
  width: 80px;
  height: 80px;
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 2rem;
  margin: 0 auto 24px;
  box-shadow: 0 8px 30px rgba(201,168,76,0.4);
}

.modal-box h3 {
  font-family: 'Playfair Display', serif;
  font-size: 1.6rem;
  font-weight: 800;
  color: var(--navy);
  margin-bottom: 10px;
}

.modal-box p {
  color: var(--text-light);
  font-size: 0.9rem;
  line-height: 1.6;
  margin-bottom: 24px;
}

/* ============ RESPONSIVE ============ */
@media (max-width: 1024px) {
  .hero-grid { grid-template-columns: 1fr; gap: 40px; }
  .why-grid { grid-template-columns: 1fr; }
  .steps-grid { grid-template-columns: repeat(2, 1fr); }
  .steps-grid::before { display: none; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .calc-wrap { grid-template-columns: 1fr; }
  .calc-form { border-right: none; border-bottom: 1px solid var(--gray-200); padding-right: 0; padding-bottom: 32px; }
}

@media (max-width: 768px) {
  .section-pad { padding: 60px 0; }
  .nav-links { display: none; }
  .nav-cta .btn { display: none; }
  .hamburger { display: flex; }
  .testi-grid { grid-template-columns: 1fr; }
  .contact-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; text-align: center; }
  .form-row { grid-template-columns: 1fr; }
  .hero-stats { gap: 20px; flex-wrap: wrap; }
  .strip-item { padding: 8px 16px; }
  .loans-grid { grid-template-columns: 1fr 1fr; }
  .steps-grid { grid-template-columns: 1fr 1fr; }
  .why-img { height: 300px; }
}

@media (max-width: 480px) {
  .loans-grid { grid-template-columns: 1fr; }
  .steps-grid { grid-template-columns: 1fr; }
  .features-strip-inner { flex-direction: column; align-items: center; gap: 8px; }
  .strip-item { border-right: none; border-bottom: 1px solid rgba(10,22,40,0.1); width: 100%; justify-content: center; }
  .strip-item:last-child { border-bottom: none; }
}

/* ============ MOBILE NAV ============ */
.mobile-nav {
  position: fixed;
  top: 0; left: 0;
  width: 100%;
  height: 100vh;
  background: var(--navy);
  z-index: 999;
  display: flex;
  flex-direction: column;
  justify-content: center;
  align-items: center;
  gap: 24px;
  transform: translateX(-100%);
  transition: transform 0.4s cubic-bezier(0.4,0,0.2,1);
}

.mobile-nav.open { transform: translateX(0); }

.mobile-nav a {
  color: var(--white);
  font-size: 1.4rem;
  font-weight: 600;
  transition: var(--transition);
}

.mobile-nav a:hover { color: var(--gold); }

.mobile-nav .btn-primary {
  font-size: 1rem;
  padding: 14px 36px;
}

.close-nav {
  position: absolute;
  top: 24px; right: 24px;
  background: none;
  border: none;
  color: var(--white);
  font-size: 1.5rem;
  cursor: pointer;
}

/* ============ SCROLL TO TOP ============ */
.scroll-top {
  position: fixed;
  bottom: 28px; right: 28px;
  width: 44px; height: 44px;
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  color: var(--navy);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.1rem;
  cursor: pointer;
  z-index: 500;
  opacity: 0;
  transform: translateY(20px);
  transition: var(--transition);
  box-shadow: 0 4px 20px rgba(201,168,76,0.4);
  border: none;
}

.scroll-top.visible {
  opacity: 1;
  transform: translateY(0);
}

.scroll-top:hover { transform: translateY(-4px); }

/* ============ ABOUT PAGE ============ */
.team-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}

.team-card {
  background: var(--white);
  border-radius: var(--radius);
  padding: 28px 20px;
  text-align: center;
  border: 1px solid var(--gray-200);
  transition: var(--transition);
}

.team-card:hover {
  transform: translateY(-6px);
  box-shadow: var(--shadow-md);
  border-color: var(--gold);
}

.team-avatar {
  width: 80px;
  height: 80px;
  background: linear-gradient(135deg, var(--navy), var(--navy-light));
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 800;
  font-size: 1.5rem;
  color: var(--gold);
  margin: 0 auto 16px;
}

.team-name {
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 4px;
}

.team-role {
  font-size: 0.8rem;
  color: var(--gold);
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.8px;
}

@media (max-width: 768px) {
  .team-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 480px) {
  .team-grid { grid-template-columns: 1fr; }
}

/* ============ LENDERS STRIP ============ */
.lenders-strip {
  background: var(--gray-100);
  padding: 40px 0;
  border-top: 1px solid var(--gray-200);
  border-bottom: 1px solid var(--gray-200);
  overflow: hidden;
}

.lenders-inner {
  display: flex;
  align-items: center;
  gap: 0;
  max-width: 1200px;
  margin: 0 auto;
  padding: 0 24px;
  flex-wrap: wrap;
  justify-content: center;
}

.lenders-label {
  font-size: 0.78rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 2px;
  color: var(--text-light);
  margin-right: 32px;
  white-space: nowrap;
  flex-shrink: 0;
}

.lenders-logos {
  display: flex;
  align-items: center;
  gap: 32px;
  flex-wrap: wrap;
  justify-content: center;
}

.lender-logo {
  display: flex;
  align-items: center;
  gap: 8px;
  background: white;
  border-radius: 10px;
  padding: 10px 20px;
  border: 1px solid var(--gray-200);
  color: var(--navy);
  font-weight: 700;
  font-size: 0.88rem;
  letter-spacing: 0.5px;
  white-space: nowrap;
  transition: var(--transition);
  box-shadow: var(--shadow-sm);
}

.lender-logo:hover {
  border-color: var(--gold);
  transform: translateY(-2px);
  box-shadow: var(--shadow-md);
}

.lender-logo span {
  font-size: 1.2rem;
}

/* ============ IMPROVED RESPONSIVE IMAGES ============ */
.page-hero-img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
}

/* ============ HIGHLIGHT BANNER ============ */
.highlight-banner {
  background: linear-gradient(135deg, var(--navy), var(--navy-mid));
  color: white;
  padding: 60px 0;
  position: relative;
  overflow: hidden;
}

.highlight-banner::before {
  content: '';
  position: absolute;
  right: -100px; top: -100px;
  width: 400px; height: 400px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(201,168,76,0.15), transparent 70%);
}

.highlight-banner-grid {
  display: grid;
  grid-template-columns: 1fr auto;
  align-items: center;
  gap: 48px;
  position: relative;
  z-index: 1;
}

/* ============ PAGE HERO IMPROVEMENTS ============ */
.page-hero {
  padding: 130px 24px 70px;
  text-align: center;
  background: linear-gradient(135deg, var(--navy) 0%, #112240 60%, #0d2344 100%);
  position: relative;
  overflow: hidden;
}

.page-hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: url('data:image/svg+xml,<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 1200 400"><defs><radialGradient id="g" cx="50%" cy="0%"><stop offset="0%" stop-color="%23c9a84c" stop-opacity="0.12"/><stop offset="100%" stop-color="%23c9a84c" stop-opacity="0"/></radialGradient></defs><rect width="1200" height="400" fill="url(%23g)"/></svg>');
  background-size: cover;
}

.page-hero > * { position: relative; z-index: 1; }

.page-hero h1 {
  font-family: 'Playfair Display', serif;
  font-size: clamp(2rem, 5vw, 3.5rem);
  font-weight: 800;
  color: var(--white);
  margin-bottom: 16px;
  line-height: 1.2;
}

.page-hero p {
  font-size: 1.05rem;
  color: rgba(255,255,255,0.65);
  max-width: 560px;
  margin: 0 auto 24px;
  line-height: 1.7;
}

.breadcrumb {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 0.82rem;
  color: rgba(255,255,255,0.4);
  margin-top: 8px;
}

.breadcrumb a { color: var(--gold); }

.breadcrumb span:last-child { color: rgba(255,255,255,0.6); }

@media (max-width: 768px) {
  .highlight-banner-grid { grid-template-columns: 1fr; text-align: center; }
  .lenders-label { margin-right: 0; margin-bottom: 16px; width: 100%; text-align: center; }
}