/* =====================================================
   RESQLOANS — STYLE.CSS (v6 — Full Redesign + Improvements)
===================================================== */
*, *::before, *::after { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; overflow-x: hidden; }

:root {
  --blue: #2563EB;
  --blue-dark: #1d4ed8;
  --blue-lt: #eff6ff;
  --purple: #7c3aed;
  --purple-lt: #f5f3ff;
  --teal: #0d9488;
  --teal-lt: #f0fdfa;
  --orange: #ea580c;
  --orange-lt: #fff7ed;
  --green: #16a34a;
  --green-lt: #f0fdf4;
  --rose: #e11d48;
  --rose-lt: #fff1f2;
  --bg: #ffffff;
  --bg2: #f8fafc;
  --bg3: #f1f5f9;
  --card: #ffffff;
  --border: #e2e8f0;
  --ink: #0f172a;
  --ink2: #1e293b;
  --ink3: #475569;
  --ink4: #94a3b8;
  --radius: 14px;
  --radius-lg: 18px;
  --radius-xl: 24px;
  --shadow-sm: 0 1px 4px rgba(0,0,0,.05);
  --shadow-md: 0 4px 20px rgba(0,0,0,.07);
  --shadow-lg: 0 12px 40px rgba(0,0,0,.09);
  --shadow-xl: 0 24px 64px rgba(0,0,0,.11);
  --font: 'Outfit', sans-serif;
  --font-display: 'Playfair Display', serif;
  --font-mono: 'JetBrains Mono', monospace;
}

[data-theme="dark"] {
  --bg: #0f172a;
  --bg2: #1e293b;
  --bg3: #334155;
  --card: #1e293b;
  --border: #334155;
  --ink: #f1f5f9;
  --ink2: #e2e8f0;
  --ink3: #94a3b8;
  --ink4: #64748b;
  --blue-lt: rgba(37,99,235,.15);
  --purple-lt: rgba(124,58,237,.15);
  --teal-lt: rgba(13,148,136,.15);
  --orange-lt: rgba(234,88,12,.15);
  --green-lt: rgba(22,163,74,.15);
  --rose-lt: rgba(225,29,72,.15);
}

body {
  font-family: var(--font);
  background: var(--bg);
  color: var(--ink);
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
  transition: background 0.3s ease, color 0.3s ease;
  font-size: 16px;
}
a { text-decoration: none; color: inherit; }
button { font-family: var(--font); cursor: pointer; }
input, select, textarea { font-family: var(--font); }

::-webkit-scrollbar { width: 5px; }
::-webkit-scrollbar-track { background: var(--bg2); }
::-webkit-scrollbar-thumb { background: var(--blue); border-radius: 3px; }

/* =====================================================
   NAVBAR
===================================================== */
.navbar {
  position: fixed; top: 0; left: 0; right: 0; z-index: 1000;
  background: rgba(255,255,255,0.97);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  border-bottom: 1px solid var(--border);
  transition: all 0.3s;
}
[data-theme="dark"] .navbar { background: rgba(15,23,42,0.97); }
.navbar.scrolled { box-shadow: 0 2px 20px rgba(0,0,0,.08); }

.nav-wrap {
  max-width: 1320px; margin: 0 auto; padding: 0 28px;
  height: 68px; display: flex; align-items: center; gap: 8px;
}
.nav-logo {
  display: flex; align-items: center; gap: 10px;
  font-size: 19px; font-weight: 700; color: var(--ink); flex-shrink: 0;
}
.nav-logo strong { color: var(--blue); }
.logo-shield {
  width: 36px; height: 36px; border-radius: 10px;
  background: linear-gradient(135deg, var(--blue), var(--blue-dark));
  display: flex; align-items: center; justify-content: center;
  box-shadow: 0 2px 10px rgba(37,99,235,.3); flex-shrink: 0;
}
.nav-links {
  display: flex; align-items: center; gap: 0;
  flex: 1; justify-content: center;
}
.nav-item {
  padding: 8px 14px; border-radius: 8px;
  font-size: 15px; font-weight: 600; color: var(--ink2);
  background: none; border: none; cursor: pointer;
  transition: all 0.18s; white-space: nowrap;
}
.nav-item:hover, .nav-item.active { background: var(--blue-lt); color: var(--blue); font-weight: 700; }
.nav-more-wrap { position: relative; }
.nav-more-btn { display: flex; align-items: center; }
.more-dropdown {
  display: none; position: absolute; top: calc(100% + 10px);
  right: 0; left: auto;
  background: var(--card); border: 1px solid var(--border);
  border-radius: 16px; padding: 8px; min-width: 180px;
  box-shadow: var(--shadow-xl); z-index: 200;
}
.more-dropdown.open { display: block; animation: fadeDown 0.15s ease; }
.more-dropdown a {
  display: block; padding: 11px 16px; border-radius: 8px;
  font-size: 15px; color: var(--ink2); font-weight: 500; transition: all 0.15s;
}
.more-dropdown a:hover { background: var(--blue-lt); color: var(--blue); }
.nav-right { display: flex; align-items: center; gap: 6px; flex-shrink: 0; }
.social-icons { display: flex; gap: 2px; }
.soc-icon {
  width: 34px; height: 34px; border-radius: 8px;
  display: flex; align-items: center; justify-content: center;
  color: var(--ink3); transition: all 0.18s;
}
.soc-icon:hover { background: var(--blue-lt); color: var(--blue); }
.nav-divider { width: 1px; height: 22px; background: var(--border); margin: 0 4px; }
.theme-toggle {
  width: 36px; height: 36px; border-radius: 8px;
  border: 1.5px solid var(--border); background: var(--bg2);
  display: flex; align-items: center; justify-content: center;
  color: var(--ink3); transition: all 0.2s;
}
.theme-toggle:hover { background: var(--blue-lt); color: var(--blue); border-color: var(--blue); }
.hamburger { display: none; flex-direction: column; gap: 5px; background: none; border: none; padding: 8px; }
.hamburger span { width: 22px; height: 2px; background: var(--ink); border-radius: 2px; display: block; transition: 0.3s; }
.mob-nav { display: none; flex-direction: column; padding: 12px 24px 24px; background: var(--card); border-top: 1px solid var(--border); }
.mob-nav.open { display: flex; }
.mob-nav a { padding: 13px 0; font-size: 16px; font-weight: 600; color: var(--ink2); border-bottom: 1px solid var(--border); transition: all 0.15s; }
.mob-nav a:hover { color: var(--blue); padding-left: 4px; }

/* =====================================================
   SECTIONS
===================================================== */
.section { padding-top: 68px; }
.section-wrap { max-width: 1280px; margin: 0 auto; padding: 60px 28px; }
.section-header { display: flex; align-items: flex-end; justify-content: space-between; gap: 24px; flex-wrap: wrap; margin-bottom: 48px; }
.section-header.center { flex-direction: column; align-items: center; text-align: center; }
.section-header h2 { font-family: var(--font-display); font-size: clamp(32px, 4vw, 52px); font-weight: 700; line-height: 1.15; color: var(--ink); margin-bottom: 14px; }
.section-header p { font-size: 16px; color: var(--ink3); line-height: 1.82; max-width: 580px; }
.section-header.center p { margin: 0 auto; }
.eyebrow { display: inline-flex; align-items: center; gap: 8px; font-family: var(--font-mono); font-size: 12px; font-weight: 600; letter-spacing: 2.5px; text-transform: uppercase; color: var(--blue); margin-bottom: 12px; }
.gradient-text { background: linear-gradient(135deg, var(--blue), var(--purple)); -webkit-background-clip: text; -webkit-text-fill-color: transparent; background-clip: text; }

/* =====================================================
   BUTTONS
===================================================== */
.btn-primary {
  padding: 13px 28px; border-radius: 10px; background: var(--blue); color: #fff;
  font-size: 15px; font-weight: 600; border: none; display: inline-flex; align-items: center; gap: 6px;
  transition: all 0.22s; box-shadow: 0 3px 14px rgba(37,99,235,.3); text-decoration: none; cursor: pointer;
}
.btn-primary:hover { background: var(--blue-dark); transform: translateY(-2px); box-shadow: 0 6px 22px rgba(37,99,235,.35); color: #fff; }
.btn-primary.sm { padding: 9px 20px; font-size: 14px; }
.btn-primary.full { width: 100%; justify-content: center; }
.btn-white { padding: 13px 28px; border-radius: 10px; background: #fff; color: var(--blue); font-size: 15px; font-weight: 600; border: none; display: inline-flex; align-items: center; gap: 6px; transition: all 0.22s; box-shadow: 0 4px 20px rgba(0,0,0,.15); text-decoration: none; }
.btn-white:hover { background: #f0f9ff; transform: translateY(-2px); color: var(--blue); }
.btn-ghost-hero { padding: 13px 28px; border-radius: 10px; background: rgba(255,255,255,0.12); backdrop-filter: blur(8px); color: #fff; font-size: 15px; font-weight: 600; border: 1.5px solid rgba(255,255,255,0.3); display: inline-flex; align-items: center; gap: 6px; transition: all 0.22s; text-decoration: none; }
.btn-ghost-hero:hover { background: rgba(255,255,255,0.22); color: #fff; }
.btn-outline { padding: 11px 26px; border-radius: 10px; background: transparent; color: var(--blue); font-size: 14px; font-weight: 600; border: 1.5px solid var(--blue); display: inline-flex; align-items: center; gap: 6px; transition: all 0.22s; text-decoration: none; cursor: pointer; }
.btn-outline:hover { background: var(--blue-lt); }

/* =====================================================
   HERO
===================================================== */
.hero-video-wrap { position: relative; min-height: 100vh; display: flex; flex-direction: column; align-items: center; justify-content: center; overflow: hidden; }
.hero-video { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; z-index: 0; }
.hero-overlay { position: absolute; inset: 0; background: linear-gradient(135deg, rgba(9,18,38,.92) 0%, rgba(20,30,70,.88) 50%, rgba(0,0,0,.82) 100%); z-index: 1; }
.hero-content { position: relative; z-index: 2; max-width: 920px; padding: 0 32px; text-align: center; }
.hero-badge { display: inline-flex; align-items: center; gap: 10px; background: rgba(37,99,235,.2); border: 1px solid rgba(37,99,235,.4); border-radius: 50px; padding: 8px 20px; font-size: 13px; font-weight: 600; color: rgba(255,255,255,.9); margin-bottom: 30px; backdrop-filter: blur(8px); animation: fadeUp 0.6s ease 0.1s both; }
.pulse-dot { width: 8px; height: 8px; border-radius: 50%; background: #60a5fa; box-shadow: 0 0 0 3px rgba(96,165,250,.3); animation: pulse 2s infinite; flex-shrink: 0; }
.hero-h1 { font-family: var(--font-display); font-size: clamp(62px, 10vw, 110px); font-weight: 800; line-height: 1.0; color: #fff; margin-bottom: 24px; display: flex; flex-direction: column; align-items: center; }
.hero-h1 .line1 { font-size: clamp(44px, 6.5vw, 78px); animation: fadeUp 0.6s ease 0.2s both; }
.hero-h1 .line2 { background: linear-gradient(135deg, #60a5fa, #a78bfa, #34d399); -webkit-background-clip: text; -webkit-text-fill-color: transparent; background-clip: text; animation: fadeUp 0.6s ease 0.3s both; }
.hero-p { font-size: 19px; color: rgba(255,255,255,.78); line-height: 1.8; max-width: 640px; margin: 0 auto 40px; animation: fadeUp 0.6s ease 0.4s both; }
.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; justify-content: center; margin-bottom: 56px; animation: fadeUp 0.6s ease 0.5s both; }
.hero-stats { display: inline-flex; align-items: center; background: rgba(255,255,255,.08); backdrop-filter: blur(12px); border: 1px solid rgba(255,255,255,.15); border-radius: 18px; padding: 22px 36px; animation: fadeUp 0.6s ease 0.6s both; }
.hstat { text-align: center; padding: 0 24px; }
.hstat-num { font-family: var(--font-display); font-size: 34px; font-weight: 800; color: #60a5fa; display: inline; }
.hstat > span { font-family: var(--font-display); font-size: 26px; font-weight: 700; color: #60a5fa; }
.hstat-txt { font-family: var(--font-display); font-size: 28px; font-weight: 800; color: #60a5fa; display: block; margin-bottom: 3px; }
.hstat-lbl { font-size: 12px; font-weight: 600; color: rgba(255,255,255,.5); text-transform: uppercase; letter-spacing: .5px; margin-top: 4px; display: block; }
.hstat-div { width: 1px; height: 38px; background: rgba(255,255,255,.15); }
.scroll-hint { position: absolute; bottom: 30px; left: 50%; transform: translateX(-50%); z-index: 2; animation: scrollBounce 1.8s ease-in-out infinite; }

/* =====================================================
   FEATURES — Improved Cards
===================================================== */
#features {
  background: linear-gradient(175deg, #f8fafc 0%, #f0f7ff 100%);
}
[data-theme="dark"] #features {
  background: linear-gradient(175deg, #0f172a 0%, #1a2540 100%);
}

.features-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 26px; }

.feature-card {
  background: var(--card);
  border: 1.5px solid var(--border);
  border-radius: 22px;
  padding: 42px 36px 38px;
  transition: all 0.38s cubic-bezier(.22,.68,0,1.15);
  position: relative;
  overflow: hidden;
}

.feature-card::after {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 4px;
  background: linear-gradient(90deg, #2563EB 0%, #7c3aed 60%, #0d9488 100%);
  border-radius: 22px 22px 0 0;
  opacity: 0;
  transition: opacity 0.3s ease;
}

.feature-card::before {
  content: attr(data-num);
  position: absolute;
  bottom: -6px; right: 18px;
  font-size: 90px;
  font-weight: 900;
  color: var(--blue);
  opacity: 0.04;
  font-family: var(--font-display);
  line-height: 1;
  pointer-events: none;
  user-select: none;
}

.feature-card:hover {
  box-shadow: 0 28px 72px rgba(37,99,235,.14), 0 6px 22px rgba(0,0,0,.07);
  transform: translateY(-9px);
  border-color: rgba(37,99,235,.3);
}

.feature-card:hover::after { opacity: 1; }

.fc-icon-wrap {
  width: 66px; height: 66px; border-radius: 20px;
  background: linear-gradient(135deg, #eff6ff, #dbeafe);
  border: 1.5px solid rgba(37,99,235,.16);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 26px;
  box-shadow: 0 6px 20px rgba(37,99,235,.15);
  transition: all 0.35s ease;
}

.feature-card:hover .fc-icon-wrap {
  background: linear-gradient(135deg, #2563EB, #1d4ed8);
  box-shadow: 0 10px 32px rgba(37,99,235,.38);
  transform: scale(1.1) rotate(-4deg);
}

.feature-card:hover .fc-icon-wrap svg { stroke: #fff; }

.feature-card h3 { font-size: 20px; font-weight: 700; color: var(--ink); margin-bottom: 13px; line-height: 1.3; }
.feature-card p { font-size: 15.5px; color: var(--ink3); line-height: 1.78; }

/* =====================================================
   WHY RESQLOANS — Fixed alignment + improved cards
===================================================== */
.why-section {
  background: linear-gradient(160deg, #f8fafc 0%, #eff6ff 45%, #f5f3ff 100%);
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
}
[data-theme="dark"] .why-section {
  background: linear-gradient(160deg, #0f172a 0%, #1a2035 100%);
}

.why-grid-full { display: grid; grid-template-columns: 1.12fr 1fr; gap: 64px; align-items: start; }

.why-left > .eyebrow { display: inline-block; margin-bottom: 16px; }
.why-left h2 { font-family: var(--font-display); font-size: clamp(30px, 3.2vw, 46px); font-weight: 700; line-height: 1.18; color: var(--ink); margin-bottom: 18px; }
.why-left > p { font-size: 16px; color: var(--ink3); line-height: 1.82; max-width: 510px; margin-bottom: 32px; }

.why-differentiators { display: flex; flex-direction: column; gap: 14px; margin-bottom: 30px; }

.wd-item {
  display: flex; align-items: flex-start; gap: 16px;
  padding: 22px 24px;
  background: var(--card);
  border: 1.5px solid var(--border);
  border-radius: 16px;
  box-shadow: 0 3px 16px rgba(0,0,0,.05);
  transition: all 0.28s cubic-bezier(.22,.68,0,1.15);
}

.wd-item:hover {
  border-color: var(--blue);
  box-shadow: 0 10px 36px rgba(37,99,235,.14);
  transform: translateX(6px);
}

.wd-icon {
  width: 44px; height: 44px; border-radius: 12px;
  background: linear-gradient(135deg, #eff6ff, #dbeafe);
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
  box-shadow: 0 4px 12px rgba(37,99,235,.15);
}

.wd-title { font-size: 16px; font-weight: 700; color: var(--ink); margin-bottom: 5px; }
.wd-desc { font-size: 15px; color: var(--ink3); line-height: 1.72; }

.why-stats {
  display: flex; gap: 0;
  background: var(--card);
  border: 1.5px solid rgba(37,99,235,.18);
  border-radius: 18px;
  padding: 26px 30px;
  margin-top: 28px;
  box-shadow: 0 8px 30px rgba(37,99,235,.1);
}

.ws-item { flex: 1; text-align: center; }
.ws-item + .ws-item { border-left: 1px solid var(--border); }
.ws-num { font-family: var(--font-mono); font-size: 26px; font-weight: 700; color: var(--blue); margin-bottom: 6px; }
.ws-lbl { font-size: 12px; color: var(--ink4); font-weight: 600; text-transform: uppercase; letter-spacing: .5px; }

.why-right { position: sticky; top: 88px; }

.why-vs-card {
  background: var(--card);
  border: 1.5px solid var(--border);
  border-radius: 24px;
  overflow: hidden;
  box-shadow: 0 28px 80px rgba(0,0,0,.12), 0 6px 24px rgba(37,99,235,.1);
}

.wvc-header { padding: 26px 28px 12px; }
.wvc-table { width: 100%; border-collapse: collapse; }
.wvc-table th, .wvc-table td { padding: 15px 22px; font-size: 14.5px; border-bottom: 1px solid var(--border); text-align: left; }
.wvc-table th { background: var(--bg2); font-family: var(--font-mono); font-size: 11px; font-weight: 700; text-transform: uppercase; letter-spacing: 1px; color: var(--ink4); }
.wvc-table td:first-child { color: var(--ink3); font-weight: 500; }
.wvc-table tr:last-child td { border-bottom: none; }
.wvc-us { background: rgba(37,99,235,.06) !important; color: var(--blue) !important; border-left: 3px solid var(--blue) !important; }
.wvc-table th.wvc-us { background: var(--blue) !important; color: #fff !important; }
.wvc-bad { color: var(--ink4) !important; }

/* =====================================================
   BANKS TICKER
===================================================== */
.banks-section { background: var(--ink2); padding: 20px 0; overflow: hidden; }
.banks-label { text-align: center; font-family: var(--font-mono); font-size: 10px; font-weight: 700; letter-spacing: 2px; text-transform: uppercase; color: rgba(255,255,255,.3); margin-bottom: 14px; }
.banks-ticker { overflow: hidden; }
.banks-track { display: inline-flex; gap: 0; animation: ticker 28s linear infinite; white-space: nowrap; }
.bank-pill { display: inline-flex; align-items: center; padding: 8px 28px; border-right: 1px solid rgba(255,255,255,.08); font-size: 14px; font-weight: 600; color: rgba(255,255,255,.55); }
.bank-pill:hover { color: #fff; }

/* =====================================================
   LOANS PREVIEW
===================================================== */
.loans-preview-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; }
.lp-card { border-radius: var(--radius-xl); padding: 34px 26px; text-align: center; transition: all 0.3s; cursor: pointer; position: relative; overflow: hidden; }
.lp-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-xl); }
.lpc-blue { background: linear-gradient(135deg, #1d4ed8, #3b82f6); color: #fff; }
.lpc-purple { background: linear-gradient(135deg, #6d28d9, #a78bfa); color: #fff; }
.lpc-teal { background: linear-gradient(135deg, #0f766e, #14b8a6); color: #fff; }
.lpc-orange { background: linear-gradient(135deg, #c2410c, #fb923c); color: #fff; }
.lpc-rate-big { font-family: var(--font-display); font-size: 48px; font-weight: 800; margin-bottom: 4px; line-height: 1; }
.lpc-name { font-size: 18px; font-weight: 700; margin-bottom: 7px; }
.lpc-sub { font-size: 13px; opacity: .8; margin-bottom: 6px; }
.lpc-fee { font-size: 11px; opacity: .65; font-family: var(--font-mono); margin-bottom: 20px; }
.lpc-btn { display: inline-flex; padding: 9px 22px; background: rgba(255,255,255,.2); border-radius: 50px; font-size: 14px; font-weight: 600; color: #fff; border: 1px solid rgba(255,255,255,.3); transition: all 0.2s; }
.lpc-btn:hover { background: rgba(255,255,255,.3); color: #fff; }

/* Hide home page financial insights preview */
#blogPreview { display: none !important; }

/* =====================================================
   LOANS SECTION
===================================================== */
.loans-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 24px; }
.loan-card {
  background: var(--card);
  border: 1.5px solid var(--border);
  border-radius: var(--radius-xl);
  overflow: hidden;
  box-shadow: 0 4px 22px rgba(0,0,0,.05);
  transition: all 0.32s cubic-bezier(.22,.68,0,1.1);
}
.loan-card:hover { box-shadow: 0 22px 64px rgba(0,0,0,.1); transform: translateY(-4px); }
.lc-bar { height: 5px; }
.lc-blue .lc-bar { background: #2563EB; } .lc-blue:hover { border-color: #2563EB; } .lc-blue .lc-rate { color: #2563EB; } .lc-blue .lc-check { background: #eff6ff; color: #2563EB; }
.lc-purple .lc-bar { background: var(--purple); } .lc-purple:hover { border-color: var(--purple); } .lc-purple .lc-rate { color: var(--purple); } .lc-purple .lc-check { background: var(--purple-lt); color: var(--purple); }
.lc-teal .lc-bar { background: var(--teal); } .lc-teal:hover { border-color: var(--teal); } .lc-teal .lc-rate { color: var(--teal); } .lc-teal .lc-check { background: var(--teal-lt); color: var(--teal); }
.lc-orange .lc-bar { background: var(--orange); } .lc-orange:hover { border-color: var(--orange); } .lc-orange .lc-rate { color: var(--orange); } .lc-orange .lc-check { background: var(--orange-lt); color: var(--orange); }
.lc-green .lc-bar { background: var(--green); } .lc-green:hover { border-color: var(--green); } .lc-green .lc-rate { color: var(--green); } .lc-green .lc-check { background: var(--green-lt); color: var(--green); }
.lc-rose .lc-bar { background: var(--rose); } .lc-rose:hover { border-color: var(--rose); } .lc-rose .lc-rate { color: var(--rose); } .lc-rose .lc-check { background: var(--rose-lt); color: var(--rose); }
.lc-top { display: flex; align-items: flex-start; justify-content: space-between; padding: 30px 30px 0; margin-bottom: 20px; flex-wrap: wrap; gap: 8px; }
.lc-top h3 { font-size: 22px; font-weight: 700; color: var(--ink); margin-bottom: 5px; }
.lc-fee { font-family: var(--font-mono); font-size: 11px; font-weight: 600; letter-spacing: 1px; color: var(--ink4); text-transform: uppercase; }
.lc-rate { font-family: var(--font-display); font-size: 30px; font-weight: 700; text-align: right; }
.lc-rate span { font-size: 12px; font-weight: 500; display: block; opacity: .7; }
.lc-features { list-style: none; display: flex; flex-direction: column; gap: 10px; padding: 0 30px; margin-bottom: 24px; }
.lc-features li { display: flex; align-items: center; gap: 10px; font-size: 15.5px; color: var(--ink3); }
.lc-check { width: 20px; height: 20px; border-radius: 50%; font-size: 10px; font-weight: 700; display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
.lc-actions { display: flex; gap: 10px; padding: 0 30px 30px; }
.lc-actions .btn-primary, .lc-actions .btn-outline { flex: 1; justify-content: center; }

/* =====================================================
   CALCULATOR
===================================================== */
.calc-loan-types { display: grid; grid-template-columns: repeat(4, 1fr); gap: 14px; margin-bottom: 40px; }
.clt-card { background: var(--card); border: 2px solid var(--border); border-radius: var(--radius-lg); padding: 22px 18px; text-align: center; cursor: pointer; transition: all 0.2s; }
.clt-card:hover { border-color: var(--blue); }
.clt-card.active { border-color: var(--blue); background: var(--blue-lt); box-shadow: 0 0 0 3px rgba(37,99,235,.12); }
.clt-rate { font-family: var(--font-display); font-size: 40px; font-weight: 800; color: var(--blue); margin-bottom: 4px; }
.clt-name { font-size: 16px; font-weight: 700; color: var(--ink); margin-bottom: 5px; }
.clt-fee { font-family: var(--font-mono); font-size: 12px; color: var(--ink4); font-weight: 600; }
.calc-wrap { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; align-items: start; }
.calc-inputs { display: flex; flex-direction: column; gap: 30px; }
.calc-field label { display: block; font-size: 13px; font-weight: 700; color: var(--ink); margin-bottom: 10px; text-transform: uppercase; letter-spacing: .5px; font-family: var(--font-mono); }
.calc-rate-note { font-size: 12px; color: var(--blue); font-weight: 600; text-transform: none; letter-spacing: 0; }
.cf-value-display { display: flex; align-items: center; gap: 6px; background: var(--bg2); border: 1.5px solid var(--border); border-radius: 10px; padding: 12px 18px; margin-bottom: 14px; font-size: 24px; font-weight: 700; color: var(--blue); font-family: var(--font-mono); }
.cf-value-display input { background: none; border: none; outline: none; font-size: 24px; font-weight: 700; color: var(--blue); font-family: var(--font-mono); width: 100%; }
input[type="range"] { width: 100%; height: 4px; border-radius: 2px; background: var(--border); outline: none; -webkit-appearance: none; cursor: pointer; }
input[type="range"]::-webkit-slider-thumb { -webkit-appearance: none; width: 22px; height: 22px; border-radius: 50%; background: var(--blue); border: 3px solid #fff; box-shadow: var(--shadow-md); cursor: pointer; transition: transform 0.15s; }
input[type="range"]::-webkit-slider-thumb:hover { transform: scale(1.2); }
.calc-range-labels { display: flex; justify-content: space-between; margin-top: 7px; font-size: 13px; color: var(--ink4); }
.calc-charges-box { background: var(--bg2); border: 1px solid var(--border); border-radius: 12px; padding: 18px 22px; }
.ccb-title { font-family: var(--font-mono); font-size: 10px; font-weight: 700; text-transform: uppercase; letter-spacing: 1.5px; color: var(--ink4); margin-bottom: 14px; }
.ccb-row { display: flex; justify-content: space-between; align-items: center; padding: 8px 0; font-size: 15px; border-bottom: 1px solid var(--border); color: var(--ink3); }
.ccb-row:last-child { border-bottom: none; }
.ccb-total { font-weight: 700; color: var(--blue) !important; }
.calc-result { background: var(--card); border: 1px solid var(--border); border-radius: var(--radius-xl); padding: 34px; box-shadow: var(--shadow-lg); display: flex; flex-direction: column; gap: 22px; }
.calc-emi-box { background: var(--blue); border-radius: var(--radius-lg); padding: 30px; text-align: center; }
.emi-label { font-size: 11px; font-weight: 700; color: rgba(255,255,255,.7); text-transform: uppercase; letter-spacing: 1.5px; margin-bottom: 8px; font-family: var(--font-mono); }
.emi-amount { font-family: var(--font-display); font-size: 56px; font-weight: 700; color: #fff; }
.emi-loantype { font-size: 13.5px; color: rgba(255,255,255,.6); margin-top: 6px; font-family: var(--font-mono); }
.calc-breakdown { display: flex; flex-direction: column; gap: 8px; }
.cbd { display: flex; justify-content: space-between; align-items: center; padding: 11px 16px; background: var(--bg2); border-radius: 8px; font-size: 15px; }
.cbd.total { background: var(--blue-lt); border: 1px solid rgba(37,99,235,.15); }
.cbd span { color: var(--ink3); }
.interest-val { color: #ef4444; font-weight: 700; }
.upfront-val { color: var(--orange); font-weight: 700; }
.total-val { font-weight: 700; color: var(--ink); }
.calc-chart-wrap { display: flex; align-items: center; gap: 22px; justify-content: center; }
.donut-legend { display: flex; flex-direction: column; gap: 11px; }
.donut-legend div { display: flex; align-items: center; gap: 8px; font-size: 13px; color: var(--ink3); }
.dl-dot { width: 10px; height: 10px; border-radius: 50%; flex-shrink: 0; }

/* =====================================================
   COMPARE
===================================================== */
.compare-table-wrap { overflow-x: auto; border-radius: var(--radius-xl); border: 1px solid var(--border); box-shadow: var(--shadow-md); }
.compare-table { width: 100%; border-collapse: collapse; }
.compare-table th, .compare-table td { padding: 16px 22px; font-size: 15px; border-bottom: 1px solid var(--border); text-align: left; }
.compare-table th { background: var(--bg2); font-weight: 700; color: var(--ink); font-size: 12px; text-transform: uppercase; letter-spacing: .5px; }
.compare-table td { color: var(--ink3); }
.compare-table td:first-child { font-weight: 600; color: var(--ink); font-size: 14px; }
.compare-table tr:last-child td { border-bottom: none; }
.compare-table tr:hover td { background: var(--bg2); }
.compare-table tfoot td { border-bottom: none; padding: 18px 22px; }
.ct-dot { display: inline-block; width: 10px; height: 10px; border-radius: 50%; margin-right: 7px; }
.ct-dot.blue { background: #2563EB; } .ct-dot.purple { background: var(--purple); } .ct-dot.teal { background: var(--teal); } .ct-dot.orange { background: var(--orange); }
.rate-cell { font-family: var(--font-mono); font-weight: 700; font-size: 17px !important; }
.rate-cell.blue { color: #2563EB !important; } .rate-cell.purple { color: var(--purple) !important; } .rate-cell.teal { color: var(--teal) !important; } .rate-cell.orange { color: var(--orange) !important; }
.check-cell { color: #22c55e !important; font-size: 18px !important; font-weight: 700; }

/* =====================================================
   PROCESS — Zigzag Timeline with improved shadows
===================================================== */
.process-timeline {
  position: relative; max-width: 900px; margin: 0 auto;
}

.process-timeline::before {
  content: '';
  position: absolute; left: 50%; top: 0; bottom: 0; width: 3px;
  background: linear-gradient(to bottom, transparent, #2563EB 8%, #7c3aed 50%, #2563EB 92%, transparent);
  transform: translateX(-50%); z-index: 0;
}

.pt-step { display: flex; align-items: center; margin-bottom: 56px; position: relative; z-index: 1; }

.pt-step:nth-child(odd) { flex-direction: row; }
.pt-step:nth-child(odd) .pt-card-wrap { width: calc(50% - 52px); padding-right: 32px; display: flex; justify-content: flex-end; }
.pt-step:nth-child(odd) .pt-spacer { width: calc(50% - 52px); padding-left: 32px; }

.pt-step:nth-child(even) { flex-direction: row; }
.pt-step:nth-child(even) .pt-card-wrap { order: 3; width: calc(50% - 52px); padding-left: 32px; display: flex; justify-content: flex-start; }
.pt-step:nth-child(even) .pt-center-icon { order: 2; }
.pt-step:nth-child(even) .pt-spacer { order: 1; width: calc(50% - 52px); padding-right: 32px; }

.pt-center-icon {
  width: 72px; height: 72px; border-radius: 50%;
  background: var(--card);
  border: 3px solid #2563EB;
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
  box-shadow: 0 0 0 7px rgba(37,99,235,.1), 0 10px 32px rgba(37,99,235,.24);
  position: relative; z-index: 2;
  transition: all 0.38s cubic-bezier(.22,.68,0,1.15);
}

.pt-step:hover .pt-center-icon {
  background: linear-gradient(135deg, #2563EB, #1d4ed8);
  box-shadow: 0 0 0 10px rgba(37,99,235,.14), 0 12px 40px rgba(37,99,235,.42);
  transform: scale(1.14);
}
.pt-step:hover .pt-center-icon svg { stroke: #fff; }
[data-theme="dark"] .pt-center-icon { background: var(--card); }
[data-theme="dark"] .pt-step:hover .pt-center-icon { background: linear-gradient(135deg, #2563EB, #1d4ed8); }

.pt-inner {
  background: var(--card);
  border: 1.5px solid var(--border);
  border-radius: 22px;
  padding: 32px 34px;
  max-width: 370px;
  box-shadow: 0 12px 44px rgba(0,0,0,.09), 0 3px 14px rgba(37,99,235,.08);
  transition: all 0.38s cubic-bezier(.22,.68,0,1.15);
  position: relative; overflow: hidden;
  width: 100%;
}

.pt-inner::after {
  content: attr(data-step);
  position: absolute; bottom: -14px; right: 12px;
  font-size: 88px; font-weight: 900;
  color: var(--blue); opacity: 0.045;
  font-family: var(--font-display); line-height: 1;
  pointer-events: none; user-select: none;
}

.pt-step:hover .pt-inner {
  box-shadow: 0 22px 68px rgba(37,99,235,.18), 0 6px 22px rgba(0,0,0,.08);
  border-color: rgba(37,99,235,.4);
  transform: translateY(-8px);
}

.pt-badge {
  font-family: var(--font-mono); font-size: 11px; font-weight: 700;
  letter-spacing: 2px; color: var(--blue); text-transform: uppercase;
  background: linear-gradient(135deg, #eff6ff, #dbeafe);
  border: 1px solid rgba(37,99,235,.18);
  padding: 5px 14px; border-radius: 20px;
  display: inline-block; margin-bottom: 14px;
}

.pt-inner h3 { font-size: 19px; font-weight: 700; color: var(--ink); margin-bottom: 10px; }
.pt-inner p { font-size: 15.5px; color: var(--ink3); line-height: 1.76; }
.process-cta { text-align: center; margin-top: 16px; }

/* =====================================================
   REVIEWS — Improved stats bar + cards
===================================================== */
#reviews {
  background: linear-gradient(175deg, #f8fafc 0%, #f0f7ff 100%);
}
[data-theme="dark"] #reviews {
  background: linear-gradient(175deg, #0f172a 0%, #1a2540 100%);
}

.review-filters { display: flex; gap: 10px; flex-wrap: wrap; margin-bottom: 38px; }
.rf-tab { padding: 10px 24px; border-radius: 50px; border: 1.5px solid var(--border); background: var(--bg2); font-size: 14.5px; font-weight: 600; color: var(--ink3); cursor: pointer; transition: all 0.18s; box-shadow: 0 2px 8px rgba(0,0,0,.04); }
.rf-tab.active, .rf-tab:hover { background: var(--blue); color: #fff; border-color: var(--blue); box-shadow: 0 5px 18px rgba(37,99,235,.22); }

.review-stats-bar {
  display: grid;
  grid-template-columns: auto 1fr auto;
  gap: 44px;
  align-items: center;
  background: var(--card);
  border: 1.5px solid var(--border);
  border-radius: 24px;
  padding: 38px 48px;
  margin-bottom: 44px;
  box-shadow: 0 10px 44px rgba(0,0,0,.07);
}

.rsb-score { text-align: center; }
.rsb-big { font-family: var(--font-display); font-size: 82px; font-weight: 900; color: var(--ink); line-height: 1; }
.rsb-stars { font-size: 28px; color: #f59e0b; margin: 8px 0 6px; }
.rsb-count { font-size: 14.5px; color: var(--ink4); }
.rsb-bars { flex: 1; display: flex; flex-direction: column; gap: 10px; }
.rsb-bar-row { display: flex; align-items: center; gap: 12px; font-size: 14px; color: var(--ink3); }
.rsb-bar-row > span:first-child { min-width: 40px; font-weight: 600; }
.rsb-bar-track { flex: 1; height: 10px; background: var(--border); border-radius: 5px; overflow: hidden; }
.rsb-bar-fill { height: 100%; border-radius: 5px; background: #f59e0b; }
.rsb-trust { display: flex; flex-direction: column; gap: 16px; }
.rsb-trust-item { display: flex; align-items: center; gap: 10px; font-size: 15px; color: var(--ink3); font-weight: 600; }
.rsb-trust-item svg { flex-shrink: 0; }

.reviews-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; margin-bottom: 32px; }

.review-card {
  background: var(--card);
  border: 1.5px solid var(--border);
  border-radius: 22px;
  padding: 34px;
  box-shadow: 0 5px 22px rgba(0,0,0,.05);
  transition: all 0.32s cubic-bezier(.22,.68,0,1.1);
  position: relative; overflow: hidden;
}

.review-card::before {
  content: '"';
  position: absolute; top: 16px; left: 26px;
  font-size: 100px; color: var(--blue); opacity: 0.06;
  font-family: var(--font-display); line-height: 1;
  pointer-events: none; user-select: none;
}

.review-card.new-review { border-color: var(--blue); animation: slideIn 0.4s ease; }

.review-card:hover {
  box-shadow: 0 18px 58px rgba(37,99,235,.14), 0 4px 16px rgba(0,0,0,.06);
  transform: translateY(-6px);
  border-color: rgba(37,99,235,.26);
}

.rc-header { display: flex; align-items: flex-start; justify-content: space-between; margin-bottom: 14px; gap: 12px; }
.rc-name { font-size: 16px; font-weight: 700; color: var(--ink); display: flex; align-items: center; gap: 6px; }
.rc-verified { display: inline-flex; align-items: center; gap: 3px; font-size: 12px; color: #0d9488; font-weight: 600; background: rgba(13,148,136,.1); padding: 2px 7px; border-radius: 10px; }
.rc-date { font-size: 13px; color: var(--ink4); margin-top: 4px; }
.rc-stars { font-size: 18px; color: #f59e0b; }
.rc-quote { font-size: 15.5px; color: var(--ink2); line-height: 1.8; font-style: normal; margin: 16px 0; padding-left: 0; }
.rc-quote::before { display: none; }
.rc-tag { font-family: var(--font-mono); font-size: 11px; font-weight: 700; color: var(--blue); background: var(--blue-lt); padding: 5px 14px; border-radius: 20px; display: inline-block; text-transform: uppercase; }
.rc-like-btn { display: flex; align-items: center; gap: 6px; background: var(--bg2); border: 1.5px solid var(--border); border-radius: 50px; padding: 7px 16px; font-size: 14px; color: var(--ink3); cursor: pointer; transition: all 0.18s; }
.rc-like-btn:hover, .rc-like-btn.liked { background: var(--rose-lt); border-color: var(--rose); color: var(--rose); }

.load-more-wrap { text-align: center; margin-bottom: 64px; }

/* AI Reply Box */
.ai-reply-box { margin-top: 14px; padding: 14px 18px; background: linear-gradient(135deg, rgba(37,99,235,.06), rgba(124,58,237,.06)); border: 1px solid rgba(37,99,235,.15); border-radius: 12px; }
.arb-header { display: flex; align-items: center; gap: 8px; margin-bottom: 8px; font-family: var(--font-mono); font-size: 10px; font-weight: 700; color: var(--blue); text-transform: uppercase; letter-spacing: 1px; }
.arb-label { flex: 1; }
.arb-text { font-size: 13.5px; color: var(--ink3); line-height: 1.7; }
.typing-dots { display: flex; gap: 5px; }
.typing-dots span { width: 7px; height: 7px; border-radius: 50%; background: var(--ink4); animation: typingBounce 1.4s infinite; }
.typing-dots span:nth-child(2) { animation-delay: 0.2s; }
.typing-dots span:nth-child(3) { animation-delay: 0.4s; }

/* Add Review Form */
.add-review-wrap { margin-top: 12px; }
.ar-card { background: var(--ink2); border-radius: 26px; padding: 56px 52px; }
.ar-card-header { display: flex; align-items: flex-start; justify-content: space-between; margin-bottom: 34px; gap: 16px; flex-wrap: wrap; }
.ar-card-header h3 { font-size: 28px; font-weight: 700; color: #fff; margin-bottom: 6px; }
.ar-card-header p { font-size: 15.5px; color: rgba(255,255,255,.5); }
.ar-live-tag { display: flex; align-items: center; gap: 8px; background: rgba(34,197,94,.1); border: 1px solid rgba(34,197,94,.25); border-radius: 50px; padding: 8px 18px; font-family: var(--font-mono); font-size: 11px; font-weight: 700; color: #22c55e; letter-spacing: 1px; }
.live-dot { width: 7px; height: 7px; border-radius: 50%; background: #22c55e; box-shadow: 0 0 0 3px rgba(34,197,94,.2); animation: pulse 2s infinite; display: inline-block; }
.ar-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; margin-bottom: 14px; }
.ar-field { display: flex; flex-direction: column; gap: 8px; margin-bottom: 14px; }
.ar-field.full { grid-column: span 2; }
.ar-field label { font-family: var(--font-mono); font-size: 12px; font-weight: 700; letter-spacing: 1.5px; text-transform: uppercase; color: rgba(255,255,255,.45); }
.ar-field input, .ar-field select, .ar-field textarea { width: 100%; padding: 14px 18px; background: rgba(255,255,255,.07); border: 1.5px solid rgba(255,255,255,.1); border-radius: 10px; font-size: 15.5px; color: #fff; font-family: var(--font); outline: none; transition: all 0.2s; }
.ar-field input::placeholder, .ar-field textarea::placeholder { color: rgba(255,255,255,.3); }
.ar-field input:focus, .ar-field select:focus, .ar-field textarea:focus { border-color: var(--blue); background: rgba(37,99,235,.1); }
.ar-field select option { background: #1e293b; }
.ar-field textarea { resize: vertical; min-height: 120px; }
.star-picker { display: flex; gap: 8px; }
.sp-star { font-size: 46px; cursor: pointer; color: rgba(255,255,255,.2); user-select: none; transition: all 0.15s; line-height: 1; }
.sp-star.active { color: #f59e0b; }
.sp-star:hover { transform: scale(1.2); }
.ar-error { margin-top: 12px; padding: 12px 18px; background: rgba(225,29,72,.15); border: 1px solid rgba(225,29,72,.3); border-radius: 8px; color: #fca5a5; font-size: 14px; }

/* =====================================================
   ABOUT
===================================================== */
.about-hero-wrap { display: grid; grid-template-columns: 1fr 1fr; gap: 72px; align-items: center; }
.about-text-col h2 { font-family: var(--font-display); font-size: clamp(30px, 3.5vw, 48px); font-weight: 700; line-height: 1.15; color: var(--ink); margin-bottom: 20px; }
.about-text-col p { font-size: 16px; color: var(--ink3); line-height: 1.82; }
.about-stat-row { display: flex; gap: 40px; margin-top: 32px; margin-bottom: 32px; }
.asr-num { font-family: var(--font-mono); font-size: 30px; font-weight: 700; color: var(--blue); margin-bottom: 4px; }
.asr-lbl { font-size: 11.5px; font-weight: 700; text-transform: uppercase; letter-spacing: 1.5px; color: var(--ink4); }
.about-info-list { display: flex; flex-direction: column; gap: 0; }
.ail-item { display: flex; align-items: flex-start; gap: 14px; padding: 15px 0; border-bottom: 1px solid var(--border); }
.ail-item:last-child { border-bottom: none; }
.ail-ic-wrap { width: 34px; height: 34px; border-radius: 8px; background: var(--blue-lt); display: flex; align-items: center; justify-content: center; color: var(--blue); flex-shrink: 0; }
.ail-lbl { font-size: 11.5px; font-weight: 700; text-transform: uppercase; letter-spacing: .5px; color: var(--ink4); margin-bottom: 3px; font-family: var(--font-mono); }
.ail-val { font-size: 16px; font-weight: 600; color: var(--ink); line-height: 1.5; }
.about-photo-card { border-radius: var(--radius-xl); overflow: hidden; position: relative; box-shadow: var(--shadow-xl); }
.about-photo { width: 100%; height: 520px; object-fit: cover; object-position: top center; display: block; }
.about-photo-fallback { width: 100%; height: 520px; background: linear-gradient(135deg, var(--blue-lt), var(--purple-lt)); align-items: center; justify-content: center; }
.amc-monogram { width: 120px; height: 120px; border-radius: 50%; background: linear-gradient(135deg, var(--blue), var(--blue-dark)); display: flex; align-items: center; justify-content: center; font-family: var(--font-mono); font-size: 36px; font-weight: 800; color: #fff; }
.about-name-badge { position: absolute; bottom: 24px; left: 24px; background: rgba(255,255,255,.95); backdrop-filter: blur(10px); border-radius: 14px; padding: 16px 22px; box-shadow: var(--shadow-lg); }
[data-theme="dark"] .about-name-badge { background: rgba(30,41,59,.95); }
.anb-name { font-size: 17px; font-weight: 700; color: var(--ink); margin-bottom: 4px; }
.anb-title { font-family: var(--font-mono); font-size: 10px; font-weight: 700; letter-spacing: 2px; color: var(--blue); text-transform: uppercase; }

/* =====================================================
   CONTACT — New 2-column layout
===================================================== */
.contact-cards-row  { display: none !important; }
.contact-form-section { display: none !important; }

.contact-new-layout {
  display: grid;
  grid-template-columns: 1fr 1.65fr;
  gap: 40px;
  align-items: start;
  margin-top: 16px;
}

/* LEFT sidebar */
.cnl-left { display: flex; flex-direction: column; gap: 18px; }

.cnl-info-card {
  background: var(--card);
  border: 1.5px solid var(--border);
  border-radius: 20px;
  padding: 26px 28px;
  display: flex; align-items: flex-start; gap: 18px;
  box-shadow: 0 4px 18px rgba(0,0,0,.05);
  transition: all 0.28s cubic-bezier(.22,.68,0,1.1);
}

.cnl-info-card:hover {
  border-color: rgba(37,99,235,.3);
  box-shadow: 0 12px 40px rgba(37,99,235,.13);
  transform: translateY(-4px);
}

.cnl-icon {
  width: 54px; height: 54px; flex-shrink: 0;
  border-radius: 15px;
  display: flex; align-items: center; justify-content: center;
}

.cnl-icon.blue   { background: linear-gradient(135deg, #eff6ff, #dbeafe); }
.cnl-icon.purple { background: linear-gradient(135deg, #f5f3ff, #ede9fe); }
.cnl-icon.teal   { background: linear-gradient(135deg, #f0fdfa, #ccfbf1); }

[data-theme="dark"] .cnl-icon.blue   { background: rgba(37,99,235,.18); }
[data-theme="dark"] .cnl-icon.purple { background: rgba(124,58,237,.18); }
[data-theme="dark"] .cnl-icon.teal   { background: rgba(13,148,136,.18); }

.cnl-info-text h4 { font-size: 17px; font-weight: 700; color: var(--ink); margin-bottom: 8px; }
.cnl-info-text p, .cnl-info-text a { font-size: 15px; color: var(--ink3); line-height: 1.72; display: block; }
.cnl-info-text a:hover { color: var(--blue); }
.cnl-sub { font-size: 12.5px; color: var(--ink4); margin-top: 7px; display: block; }

.cnl-wa {
  background: linear-gradient(135deg, #075E54, #25D366);
  border-radius: 20px; padding: 22px 26px;
  display: flex; align-items: center; gap: 16px;
  text-decoration: none;
  box-shadow: 0 10px 36px rgba(7,94,84,.3);
  transition: all 0.28s ease;
}
.cnl-wa:hover { transform: translateY(-4px); box-shadow: 0 18px 52px rgba(7,94,84,.42); }
.cnl-wa-text { flex: 1; }
.cnl-wa-text strong { display: block; font-size: 17px; font-weight: 700; color: #fff; margin-bottom: 3px; }
.cnl-wa-text span { font-size: 13.5px; color: rgba(255,255,255,.8); }

.cnl-promise {
  background: var(--bg2); border: 1.5px solid var(--border);
  border-radius: 18px; padding: 22px 24px;
  display: flex; flex-direction: column; gap: 12px;
}

.cnl-promise-item { display: flex; align-items: center; gap: 12px; font-size: 14.5px; color: var(--ink3); font-weight: 500; }

.cnl-chk {
  width: 22px; height: 22px; flex-shrink: 0;
  border-radius: 50%;
  background: var(--green-lt);
  border: 1.5px solid rgba(22,163,74,.22);
  display: flex; align-items: center; justify-content: center;
  font-size: 11px; color: var(--green); font-weight: 800;
}

/* RIGHT — form card */
.cnl-form-card {
  background: var(--card);
  border: 1.5px solid var(--border);
  border-radius: 26px;
  padding: 50px 54px;
  box-shadow: 0 28px 80px rgba(0,0,0,.09), 0 6px 26px rgba(37,99,235,.06);
  position: relative; overflow: hidden;
}

.cnl-form-card::before {
  content: '';
  position: absolute; top: 0; left: 0; right: 0; height: 5px;
  background: linear-gradient(90deg, #2563EB, #7c3aed, #0d9488);
}

.cnl-form-card h3 { font-size: 26px; font-weight: 700; color: var(--ink); margin-bottom: 8px; }
.cnl-form-sub { font-size: 15.5px; color: var(--ink3); margin-bottom: 30px; line-height: 1.72; display: block; }

.cnl-field { margin-bottom: 18px; }
.cnl-field label { display: block; font-family: var(--font-mono); font-size: 11.5px; font-weight: 700; letter-spacing: 1px; text-transform: uppercase; color: var(--ink3); margin-bottom: 9px; }
.cnl-field input, .cnl-field select, .cnl-field textarea {
  width: 100%; padding: 14px 18px;
  background: var(--bg2); border: 1.5px solid var(--border);
  border-radius: 12px; font-size: 15.5px; color: var(--ink);
  font-family: var(--font); outline: none; transition: all 0.22s ease;
}
.cnl-field input:focus, .cnl-field select:focus, .cnl-field textarea:focus {
  border-color: var(--blue); background: var(--blue-lt);
  box-shadow: 0 0 0 3px rgba(37,99,235,.1);
}
.cnl-field textarea { resize: vertical; min-height: 110px; line-height: 1.6; }

.cnl-row  { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.cnl-row3 { display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 16px; }

.cnl-form-card .btn-primary { font-size: 16px; padding: 16px 28px; width: 100%; justify-content: center; }

.cnl-form-note { font-size: 13px; text-align: center; color: var(--ink4); margin-top: 16px; line-height: 1.7; }

.cnl-success { text-align: center; padding: 64px 24px; }
.cnl-success h3 { font-size: 26px; margin-bottom: 12px; }
.cnl-success p  { font-size: 16px; color: var(--ink3); }

/* =====================================================
   FAQ
===================================================== */
.faq-list { max-width: 820px; margin: 0 auto; display: flex; flex-direction: column; gap: 12px; }
.faq-item { border: 1.5px solid var(--border); border-radius: var(--radius-lg); overflow: hidden; background: var(--card); box-shadow: var(--shadow-sm); transition: all 0.2s; }
.faq-item:hover { box-shadow: var(--shadow-md); border-color: rgba(37,99,235,.2); }
.faq-q { width: 100%; display: flex; align-items: center; justify-content: space-between; padding: 26px 32px; background: transparent; border: none; font-size: 18px; font-weight: 700; color: var(--ink); text-align: left; cursor: pointer; transition: all 0.2s; gap: 16px; line-height: 1.4; }
.faq-q:hover { color: var(--blue); }
.faq-chevron { flex-shrink: 0; transition: transform 0.25s; color: var(--ink4); }
.faq-q.open { color: var(--blue); }
.faq-q.open .faq-chevron { transform: rotate(180deg); color: var(--blue); }
.faq-a { max-height: 0; overflow: hidden; transition: max-height 0.35s ease, padding 0.25s; padding: 0 32px; font-size: 15.5px; color: var(--ink3); line-height: 1.82; background: var(--bg2); }
.faq-a.open { max-height: 300px; padding: 22px 32px; }

/* =====================================================
   BLOG
===================================================== */
.blog-preview-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.bp-card { background: var(--card); border: 1.5px solid var(--border); border-radius: var(--radius-lg); padding: 30px; transition: all 0.3s; cursor: pointer; position: relative; }
.bp-card:hover { box-shadow: var(--shadow-lg); border-color: rgba(37,99,235,.3); }
.bp-card.featured { background: var(--blue-lt); border-color: rgba(37,99,235,.25); }
.bp-card.open { border-color: var(--blue); box-shadow: var(--shadow-lg); }
.bp-tag { font-family: var(--font-mono); font-size: 11px; font-weight: 700; text-transform: uppercase; letter-spacing: 1.5px; color: var(--blue); margin-bottom: 12px; }
.bp-card h3 { font-size: 18px; font-weight: 700; color: var(--ink); margin-bottom: 10px; line-height: 1.4; }
.bp-card > p { font-size: 15px; color: var(--ink3); line-height: 1.72; margin-bottom: 14px; }
.bp-meta { font-size: 13px; color: var(--ink4); margin-bottom: 14px; }
.bp-summary { display: none; font-size: 14.5px; color: var(--ink); line-height: 1.9; padding: 22px 0 8px; border-top: 1px solid var(--border); margin-top: 14px; animation: fadeUp 0.25s ease; }
.bp-card.open .bp-summary { display: block; }
.bp-read-more { display: inline-flex; align-items: center; gap: 6px; font-size: 13px; color: var(--blue); font-weight: 700; margin-top: 10px; padding: 6px 14px; background: var(--blue-lt); border-radius: 20px; transition: all 0.2s; }
.bp-read-more::after { content: '↓'; transition: transform 0.2s; }
.bp-card.open .bp-read-more { color: var(--ink3); background: var(--bg3); }
.bp-card.open .bp-read-more::after { content: '↑'; }

.blog-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 24px; }
.blog-card { background: var(--card); border: 1.5px solid var(--border); border-radius: var(--radius-lg); padding: 30px; transition: all 0.3s; cursor: pointer; }
.blog-card:hover { box-shadow: var(--shadow-lg); transform: translateY(-4px); border-color: rgba(37,99,235,.2); }
.blog-card.featured { background: var(--blue-lt); border-color: rgba(37,99,235,.2); }
.blog-card.open { border-color: var(--blue); transform: none !important; box-shadow: var(--shadow-lg); }
.blog-cat { font-family: var(--font-mono); font-size: 11px; font-weight: 700; text-transform: uppercase; letter-spacing: 1.5px; color: var(--blue); margin-bottom: 12px; }
.blog-card h3 { font-size: 19px; font-weight: 700; color: var(--ink); margin-bottom: 11px; line-height: 1.4; }
.blog-card > p { font-size: 15px; color: var(--ink3); line-height: 1.72; margin-bottom: 14px; }
.blog-meta { font-size: 13px; color: var(--ink4); margin-bottom: 14px; }

/* =====================================================
   FOOTER
===================================================== */
.footer { background: #0f172a; padding: 72px 28px 36px; }
.footer-wrap { max-width: 1280px; margin: 0 auto; }
.footer-logo { color: #fff !important; margin-bottom: 16px; display: inline-flex; }
.footer-top { display: grid; grid-template-columns: 2fr 1fr 1fr 1.4fr; gap: 52px; padding-bottom: 52px; border-bottom: 1px solid rgba(255,255,255,.08); }
.footer-brand p { font-size: 14.5px; color: rgba(255,255,255,.4); line-height: 1.72; max-width: 260px; margin-bottom: 18px; }
.footer-socials { display: flex; gap: 8px; margin-bottom: 16px; }
.fsc { width: 36px; height: 36px; border-radius: 8px; background: rgba(255,255,255,.07); border: 1px solid rgba(255,255,255,.1); display: flex; align-items: center; justify-content: center; color: rgba(255,255,255,.5); transition: all 0.18s; }
.fsc:hover { background: var(--blue); color: #fff; border-color: var(--blue); }
.footer-social-counts { display: flex; flex-direction: column; gap: 6px; }
.fsc-count { display: flex; align-items: center; gap: 8px; }
.fsc-num { font-family: var(--font-mono); font-size: 14px; font-weight: 700; color: #60a5fa; }
.fsc-lbl { font-size: 12px; color: rgba(255,255,255,.35); }
.footer-col h4 { font-family: var(--font-mono); font-size: 10px; text-transform: uppercase; letter-spacing: 2px; font-weight: 700; color: rgba(255,255,255,.3); margin-bottom: 18px; }
.footer-col ul { list-style: none; display: flex; flex-direction: column; gap: 10px; }
.footer-col ul a, .footer-col ul li { font-size: 14px; color: rgba(255,255,255,.45); transition: all 0.18s; display: block; }
.footer-col ul a:hover { color: #fff; padding-left: 4px; }
.newsletter-row { display: flex; gap: 0; margin-top: 12px; }
.newsletter-row input { flex: 1; padding: 12px 16px; border: 1.5px solid rgba(255,255,255,.12); border-radius: 8px 0 0 8px; background: rgba(255,255,255,.07); color: #fff; font-family: var(--font); font-size: 14px; outline: none; }
.newsletter-row input::placeholder { color: rgba(255,255,255,.3); }
.newsletter-row button { padding: 0 18px; background: var(--blue); color: #fff; border: none; border-radius: 0 8px 8px 0; cursor: pointer; display: flex; align-items: center; justify-content: center; transition: background 0.18s; }
.newsletter-row button:hover { background: var(--blue-dark); }
.footer-bottom { padding-top: 28px; display: flex; align-items: center; justify-content: space-between; flex-wrap: wrap; gap: 12px; }
.footer-bottom p { font-size: 13px; color: rgba(255,255,255,.25); }
.fb-links { display: flex; gap: 20px; }
.fb-links a { font-size: 13px; color: rgba(255,255,255,.25); transition: color 0.18s; }
.fb-links a:hover { color: rgba(255,255,255,.6); }

/* =====================================================
   ANIMATIONS
===================================================== */
@keyframes fadeDown { from { opacity: 0; transform: translateY(-8px); } to { opacity: 1; transform: none; } }
@keyframes fadeUp { from { opacity: 0; transform: translateY(22px); } to { opacity: 1; transform: none; } }
@keyframes ticker { from { transform: translateX(0); } to { transform: translateX(-50%); } }
@keyframes pulse { 0%,100% { box-shadow: 0 0 0 2px rgba(37,99,235,.25); } 50% { box-shadow: 0 0 0 5px rgba(37,99,235,.08); } }
@keyframes slideIn { from { opacity: 0; transform: translateY(-12px) scale(.97); } to { opacity: 1; transform: none; } }
@keyframes scrollBounce { 0%,100% { transform: translateX(-50%) translateY(0); } 50% { transform: translateX(-50%) translateY(8px); } }
@keyframes typingBounce { 0%,80%,100% { transform: translateY(0); } 40% { transform: translateY(-6px); } }

/* =====================================================
   RESPONSIVE
===================================================== */
@media (max-width: 1100px) {
  .nav-links { display: none; }
  .hamburger { display: flex; }
  .features-grid { grid-template-columns: repeat(2, 1fr); }
  .why-grid-full { grid-template-columns: 1fr; gap: 44px; }
  .why-right { position: static; }
  .loans-preview-grid { grid-template-columns: repeat(2, 1fr); }
  .loans-grid { grid-template-columns: 1fr; }
  .calc-loan-types { grid-template-columns: repeat(2, 1fr); }
  .calc-wrap { grid-template-columns: 1fr; }
  .about-hero-wrap { grid-template-columns: 1fr; gap: 44px; }
  .contact-new-layout { grid-template-columns: 1fr; }
  .reviews-grid { grid-template-columns: repeat(2, 1fr); }
  .review-stats-bar { grid-template-columns: auto 1fr; }
  .rsb-trust { display: none; }
  .footer-top { grid-template-columns: 1fr 1fr; }
  .blog-grid { grid-template-columns: 1fr; }
  .blog-preview-grid { grid-template-columns: 1fr; }
}

@media (max-width: 768px) {
  .hero-h1 { font-size: 48px; }
  .hero-stats { flex-wrap: wrap; gap: 14px; padding: 18px 22px; }
  .hstat-div { display: none; }
  .hstat { flex: 1; min-width: 80px; }
  .features-grid { grid-template-columns: 1fr; }
  .loans-preview-grid { grid-template-columns: 1fr 1fr; }
  .calc-loan-types { grid-template-columns: 1fr 1fr; }
  .reviews-grid { grid-template-columns: 1fr; }
  .review-stats-bar { grid-template-columns: 1fr; gap: 24px; padding: 26px; }
  .ar-row { grid-template-columns: 1fr; }
  .ar-card { padding: 28px 22px; }
  .about-photo { height: 380px; }
  .footer-top { grid-template-columns: 1fr; gap: 36px; }
  .cnl-row, .cnl-row3 { grid-template-columns: 1fr; }
  .cnl-form-card { padding: 28px 24px; }
  .section-wrap { padding: 48px 20px; }
  .lpc-rate-big { font-size: 36px; }
  .process-timeline::before { left: 28px; transform: none; }
  .pt-step { flex-direction: column !important; padding-left: 70px; align-items: flex-start; }
  .pt-step:nth-child(odd) .pt-card-wrap,
  .pt-step:nth-child(even) .pt-card-wrap { width: 100%; padding: 0; order: 2 !important; justify-content: flex-start; }
  .pt-step:nth-child(odd) .pt-spacer,
  .pt-step:nth-child(even) .pt-spacer { display: none; }
  .pt-center-icon { position: absolute; left: 0; top: 0; order: 1 !important; }
  .pt-inner { max-width: 100%; }
  .pt-step { position: relative; margin-bottom: 32px; }
  .faq-q { font-size: 16px !important; padding: 20px 22px !important; }
  .faq-a.open { padding: 16px 22px !important; }
}