/* =============================================
   FinanceElite — Premium Fintech 2.0
   Complete Visual Redesign
   ============================================= */

@import url('https://fonts.googleapis.com/css2?family=Inter:wght@300;400;500;600;700;800;900&family=Syne:wght@700;800&display=swap');

/* =============================================
   DESIGN TOKENS
   ============================================= */
:root {
  /* Core palette */
  --ink:          #071A0D;
  --ink-90:       #0D2A15;
  --ink-70:       #1A4728;
  --blue:         #16A34A;
  --blue-mid:     #15803D;
  --blue-soft:    #DCFCE7;
  --blue-glow:    rgba(22,163,74,.14);
  --sky:          #F0FDF4;
  --white:        #FFFFFF;
  --surface:      #F7FAF8;
  --surface-2:    #E2F5E8;
  --border:       #D1EAD8;
  --border-light: #E8F5EC;
  --muted:        #64748B;
  --muted-light:  #94A3B8;
  --text:         #1E293B;
  --text-soft:    #475569;
  --green:        #16A34A;
  --green-soft:   #DCFCE7;
  --green-glow:   rgba(22,163,74,.12);
  --violet:             #E11D48;
  --violet-mid:         #BE123C;
  --violet-soft:        #FFF1F2;
  --violet-glow:        rgba(225,29,72,.14);
  --blue-gradient-from: #16A34A;
  --blue-gradient-to:   #E11D48;
  --surface-deep: #F0FDF4;
  --amber:        #F59E0B;
  --red:          #E11D48;

  /* Elevation */
  --shadow-xs:  0 1px 2px rgba(7,26,13,.04);
  --shadow-sm:  0 2px 8px rgba(7,26,13,.06), 0 1px 2px rgba(7,26,13,.04);
  --shadow-md:  0 8px 24px rgba(7,26,13,.08), 0 2px 6px rgba(7,26,13,.04);
  --shadow-lg:  0 16px 48px rgba(7,26,13,.10), 0 4px 12px rgba(7,26,13,.06);
  --shadow-xl:  0 32px 80px rgba(7,26,13,.12), 0 8px 24px rgba(7,26,13,.06);
  --shadow-blue: 0 8px 32px rgba(22,163,74,.22);
  --shadow-green: 0 8px 28px rgba(22,163,74,.22);

  /* Geometry */
  --r-sm:  8px;
  --r-md:  14px;
  --r-lg:  20px;
  --r-xl:  28px;
  --r-2xl: 40px;
  --r-full: 999px;

  /* Motion */
  --ease:     cubic-bezier(.4,0,.2,1);
  --ease-out: cubic-bezier(0,0,.2,1);
  --t-fast:   150ms;
  --t-mid:    260ms;
  --t-slow:   400ms;

  /* Typography */
  --font-sans:    'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
  --font-display: 'Syne', 'Inter', sans-serif;
}

/* =============================================
   RESET & BASE
   ============================================= */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; -webkit-text-size-adjust: 100%; }
body {
  font-family: var(--font-sans);
  color: var(--text);
  background: #FFFFFF;
  line-height: 1.65;
  min-height: 100vh;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  overflow-x: hidden;
}
h1,h2,h3,h4,h5,h6 {
  font-family: var(--font-sans);
  color: var(--ink);
  line-height: 1.15;
  font-weight: 700;
  letter-spacing: -.02em;
}
a { text-decoration: none; color: var(--blue); transition: color var(--t-fast) var(--ease); }
a:hover { color: var(--blue-mid); }
img { max-width: 100%; display: block; }
::selection { background: var(--blue); color: #fff; }
::-webkit-scrollbar { width: 5px; }
::-webkit-scrollbar-track { background: transparent; }
::-webkit-scrollbar-thumb { background: var(--border); border-radius: 3px; }

/* =============================================
   NAVBAR
   ============================================= */
.navbar {
  position: fixed; top: 0; left: 0; right: 0;
  z-index: 1000;
  padding: 0;
  background: rgba(255,255,255,.85) !important;
  backdrop-filter: blur(20px) saturate(180%);
  -webkit-backdrop-filter: blur(20px) saturate(180%);
  border-bottom: 1px solid rgba(226,232,240,.6);
  transition: all var(--t-mid) var(--ease);
}
.navbar.scrolled {
  background: rgba(255,255,255,.96) !important;
  box-shadow: 0 1px 0 var(--border), var(--shadow-sm);
}
.navbar > .container {
  display: flex; align-items: center;
  height: 72px;
}
.navbar-brand {
  display: flex; align-items: center; gap: 10px;
  font-family: var(--font-sans);
  font-weight: 800; font-size: 1.25rem;
  letter-spacing: -.04em;
  color: var(--ink) !important;
  flex-shrink: 0;
}
.brand-mark {
  width: 34px; height: 34px;
  background: var(--blue);
  border-radius: 9px;
  display: flex; align-items: center; justify-content: center;
  position: relative; overflow: hidden;
}
.brand-mark::before {
  content: '';
  position: absolute; inset: 0;
  background: linear-gradient(135deg, rgba(255,255,255,.25) 0%, transparent 60%);
}
.brand-mark svg { position: relative; z-index: 1; }
.brand-text-main { color: var(--ink); }
.brand-text-accent { color: var(--blue); }
.navbar-toggler {
  border: 1.5px solid var(--border);
  border-radius: var(--r-sm);
  padding: 7px 10px;
  background: transparent;
}
.navbar-toggler-icon {
  background-image: url("data:image/svg+xml,%3csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 30 30'%3e%3cpath stroke='%231E293B' stroke-linecap='round' stroke-miterlimit='10' stroke-width='2' d='M4 7h22M4 15h22M4 23h22'/%3e%3c/svg%3e");
}
.navbar-nav { gap: 2px; }
.navbar-nav .nav-link {
  font-size: .875rem;
  font-weight: 500;
  color: var(--text-soft) !important;
  padding: 8px 14px !important;
  border-radius: var(--r-sm);
  transition: all var(--t-fast) var(--ease);
  letter-spacing: -.01em;
}
.navbar-nav .nav-link:hover { color: var(--ink) !important; background: var(--surface); }
.navbar-nav .nav-link.active { color: var(--blue) !important; background: var(--blue-soft); font-weight: 600; }

.btn-nav-cta {
  background: var(--blue) !important;
  color: #fff !important;
  font-size: .875rem !important;
  font-weight: 600 !important;
  padding: 9px 20px !important;
  border-radius: var(--r-sm) !important;
  border: none !important;
  box-shadow: var(--shadow-blue);
  transition: all var(--t-mid) var(--ease) !important;
  letter-spacing: -.01em;
  white-space: nowrap;
}
.btn-nav-cta:hover {
  background: var(--blue-mid) !important;
  transform: translateY(-1px);
  box-shadow: 0 10px 36px rgba(22,163,74,.28) !important;
}

/* =============================================
   BUTTONS — Unified System
   ============================================= */
.btn-fe-primary {
  display: inline-flex; align-items: center; gap: 8px;
  background: linear-gradient(135deg, var(--blue-gradient-from), var(--blue-gradient-to));
  color: #fff !important;
  font-weight: 600; font-size: .9375rem;
  padding: 13px 28px;
  border-radius: var(--r-full);
  border: none; cursor: pointer;
  box-shadow: 0 18px 42px rgba(22,163,74,.22);
  transition: transform var(--t-mid) var(--ease), box-shadow var(--t-mid) var(--ease), opacity var(--t-mid) var(--ease);
  letter-spacing: -.01em;
  text-decoration: none;
}
.btn-fe-primary:hover {
  transform: translateY(-2px) scale(1.01);
  box-shadow: 0 24px 54px rgba(22,163,74,.28);
  opacity: .98;
}

.btn-fe-ghost {
  display: inline-flex; align-items: center; gap: 8px;
  background: transparent;
  color: var(--ink) !important;
  font-weight: 600; font-size: .9375rem;
  padding: 12px 24px;
  border-radius: var(--r-sm);
  border: 1.5px solid var(--border);
  cursor: pointer;
  transition: all var(--t-mid) var(--ease);
  letter-spacing: -.01em;
  text-decoration: none;
}
.btn-fe-ghost:hover {
  border-color: var(--blue);
  color: var(--blue) !important;
  background: var(--blue-soft);
  transform: translateY(-1px);
}

.btn-fe-white {
  display: inline-flex; align-items: center; gap: 8px;
  background: #fff;
  color: var(--ink) !important;
  font-weight: 700; font-size: .9375rem;
  padding: 13px 26px;
  border-radius: var(--r-sm);
  border: none; cursor: pointer;
  box-shadow: 0 4px 16px rgba(0,0,0,.12);
  transition: all var(--t-mid) var(--ease);
  letter-spacing: -.01em;
  text-decoration: none;
}
.btn-fe-white:hover {
  transform: translateY(-2px);
  box-shadow: 0 8px 28px rgba(0,0,0,.18);
  color: var(--ink) !important;
}

.btn-fe-dark {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(255,255,255,.12);
  color: #fff !important;
  font-weight: 600; font-size: .9375rem;
  padding: 12px 24px;
  border-radius: var(--r-sm);
  border: 1.5px solid rgba(255,255,255,.2);
  cursor: pointer;
  transition: all var(--t-mid) var(--ease);
  letter-spacing: -.01em;
  text-decoration: none;
  backdrop-filter: blur(8px);
}
.btn-fe-dark:hover {
  background: rgba(255,255,255,.2);
  border-color: rgba(255,255,255,.35);
  transform: translateY(-1px);
  color: #fff !important;
}

.btn-fe-green {
  display: inline-flex; align-items: center; gap: 8px;
  background: var(--green);
  color: #fff !important;
  font-weight: 700; font-size: .9375rem;
  padding: 13px 26px;
  border-radius: var(--r-sm);
  border: none; cursor: pointer;
  box-shadow: var(--shadow-green);
  transition: all var(--t-mid) var(--ease);
  letter-spacing: -.01em;
  text-decoration: none;
}
.btn-fe-green:hover {
  background: #15803D;
  transform: translateY(-2px);
  box-shadow: 0 14px 40px rgba(22,163,74,.3);
  color: #fff !important;
}

.btn-full { width: 100%; justify-content: center; }
.btn-lg { padding: 16px 32px !important; font-size: 1rem !important; }

/* =============================================
   LAYOUT HELPERS
   ============================================= */
.container { max-width: 1200px; margin: 0 auto; padding: 0 24px; }
section { padding: 100px 0; }
.section-gap-sm { padding: 64px 0; }
.section-gap-lg { padding: 128px 0; }

.label-chip {
  display: inline-flex; align-items: center; gap: 7px;
  font-size: .75rem; font-weight: 600;
  text-transform: uppercase; letter-spacing: .1em;
  color: var(--blue);
  background: var(--blue-soft);
  padding: 5px 13px;
  border-radius: var(--r-full);
  margin-bottom: 18px;
}
.label-chip.green { color: #166534; background: linear-gradient(135deg, rgba(22,163,74,.16), rgba(22,163,74,.08)); }
.label-chip::before {
  content: '';
  width: 6px; height: 6px;
  border-radius: 50%;
  background: currentColor;
}

.heading-display {
  font-family: var(--font-sans);
  font-size: clamp(2.25rem, 4vw, 3.5rem);
  font-weight: 800;
  letter-spacing: -.04em;
  line-height: 1.1;
  color: var(--ink);
}
.heading-display .grad {
  background: linear-gradient(135deg, var(--blue) 0%, var(--violet) 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.heading-section {
  font-size: clamp(1.625rem, 2.5vw, 2.375rem);
  font-weight: 800;
  letter-spacing: -.035em;
  color: var(--ink);
  line-height: 1.15;
}

.body-lead {
  font-size: 1.075rem;
  color: var(--text-soft);
  line-height: 1.75;
}

.divider-line { height: 1px; background: var(--border-light); margin: 0; }

/* =============================================
   HERO
   ============================================= */
.hero {
  min-height: 100vh;
  background: var(--ink);
  display: flex; align-items: center;
  position: relative; overflow: hidden;
  padding: 140px 0 100px;
}

/* Layered background */
.hero-bg {
  position: absolute; inset: 0;
  background:
    radial-gradient(ellipse 100% 80% at 60% 30%, rgba(22,163,74,.30) 0%, transparent 55%),
    radial-gradient(ellipse 60% 60% at 10% 80%, rgba(225,29,72,.20) 0%, transparent 50%),
    radial-gradient(ellipse 80% 80% at 80% 80%, rgba(22,163,74,.35) 0%, transparent 60%);
  pointer-events: none;
}

/* Noise texture */
.hero-noise {
  position: absolute; inset: 0; opacity: .03;
  background-image: url("data:image/svg+xml,%3Csvg viewBox='0 0 256 256' xmlns='http://www.w3.org/2000/svg'%3E%3Cfilter id='noise'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.9' numOctaves='4' stitchTiles='stitch'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23noise)'/%3E%3C/svg%3E");
  pointer-events: none;
}

/* Subtle grid */
.hero-grid {
  position: absolute; inset: 0; opacity: .05;
  background-image:
    linear-gradient(rgba(255,255,255,1) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,1) 1px, transparent 1px);
  background-size: 72px 72px;
  mask-image: radial-gradient(ellipse 80% 80% at 50% 50%, black 20%, transparent 80%);
  pointer-events: none;
}

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

.hero-eyebrow {
  display: inline-flex; align-items: center; gap: 8px;
  font-size: .78rem; font-weight: 600;
  text-transform: uppercase; letter-spacing: .1em;
  color: rgba(255,255,255,.6);
  margin-bottom: 28px;
}
.hero-eyebrow-dot {
  width: 8px; height: 8px;
  background: #4ADE80;
  border-radius: 50%;
  animation: pulse-glow 2.5s ease-in-out infinite;
  box-shadow: 0 0 0 0 rgba(74,222,128,.6);
}
@keyframes pulse-glow {
  0% { box-shadow: 0 0 0 0 rgba(74,222,128,.6); }
  70% { box-shadow: 0 0 0 8px rgba(74,222,128,0); }
  100% { box-shadow: 0 0 0 0 rgba(74,222,128,0); }
}

.hero h1 {
  font-size: clamp(2.5rem, 5vw, 4.25rem);
  font-weight: 800;
  color: #fff;
  letter-spacing: -.045em;
  line-height: 1.08;
  margin-bottom: 26px;
}
.hero h1 .grad {
  background: linear-gradient(90deg, #4ADE80 0%, #86EFAC 50%, #FCA5A5 100%);
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.hero-desc {
  font-size: 1.1rem;
  color: rgba(255,255,255,.62);
  line-height: 1.78;
  max-width: 500px;
  margin-bottom: 40px;
}

.hero-actions { display: flex; gap: 12px; flex-wrap: wrap; margin-bottom: 56px; }

.hero-trust {
  display: flex; align-items: center; gap: 20px;
  padding-top: 36px;
  border-top: 1px solid rgba(255,255,255,.08);
  flex-wrap: wrap;
}
.hero-trust-item {
  display: flex; align-items: center; gap: 8px;
  font-size: .82rem;
  color: rgba(255,255,255,.48);
  font-weight: 500;
}
.hero-trust-item i { color: var(--green); font-size: .85rem; }

/* Hero visual card */
.hero-card {
  background: rgba(255,255,255,.06);
  border: 1px solid rgba(255,255,255,.1);
  border-radius: var(--r-xl);
  padding: 32px;
  backdrop-filter: blur(24px);
  -webkit-backdrop-filter: blur(24px);
  animation: hero-float 7s ease-in-out infinite;
  position: relative; z-index: 2;
}
@keyframes hero-float {
  0%,100% { transform: translateY(0) rotate(0deg); }
  33%  { transform: translateY(-10px) rotate(.3deg); }
  66%  { transform: translateY(-5px) rotate(-.2deg); }
}

.hc-header {
  display: flex; align-items: center; justify-content: space-between;
  margin-bottom: 24px;
  padding-bottom: 18px;
  border-bottom: 1px solid rgba(255,255,255,.08);
}
.hc-logo {
  display: flex; align-items: center; gap: 9px;
  font-weight: 800; font-size: 1.05rem;
  color: #fff; letter-spacing: -.03em;
}
.hc-logo-dot {
  width: 28px; height: 28px;
  background: var(--blue);
  border-radius: 7px;
  display: flex; align-items: center; justify-content: center;
  font-size: .72rem; font-weight: 900; color: #fff;
}
.hc-status {
  display: flex; align-items: center; gap: 6px;
  font-size: .75rem; font-weight: 600;
  color: #4ADE80;
  background: rgba(22,163,74,.15);
  border: 1px solid rgba(22,163,74,.25);
  padding: 4px 10px; border-radius: var(--r-full);
}
.hc-status::before {
  content: '';
  width: 6px; height: 6px;
  background: var(--green);
  border-radius: 50%;
}

.hc-amount {
  font-size: 2.75rem; font-weight: 800;
  color: #fff; letter-spacing: -.06em;
  line-height: 1; margin-bottom: 4px;
}
.hc-sub {
  font-size: .82rem; color: rgba(255,255,255,.4);
  margin-bottom: 24px;
}

.hc-rows { margin-bottom: 20px; }
.hc-row {
  display: flex; justify-content: space-between; align-items: center;
  padding: 11px 0;
  border-bottom: 1px solid rgba(255,255,255,.06);
  font-size: .84rem;
}
.hc-row:last-child { border-bottom: none; }
.hc-row .k { color: rgba(255,255,255,.42); }
.hc-row .v { color: #fff; font-weight: 600; }
.hc-row .v.green { color: var(--green); }

.hc-cta {
  background: var(--blue);
  color: #fff; font-weight: 700; font-size: .875rem;
  padding: 13px; border-radius: var(--r-sm);
  text-align: center; cursor: pointer;
  transition: all var(--t-mid) var(--ease);
  display: block; text-decoration: none;
  letter-spacing: -.01em;
  box-shadow: var(--shadow-blue);
}
.hc-cta:hover { background: var(--blue-mid); transform: translateY(-1px); color: #fff; }

.hc-secure {
  margin-top: 12px;
  text-align: center;
  font-size: .72rem;
  color: rgba(255,255,255,.3);
  display: flex; align-items: center; justify-content: center; gap: 5px;
}

/* Floating badge */
.hero-float-badge {
  position: absolute;
  background: #fff;
  border-radius: var(--r-md);
  padding: 12px 16px;
  box-shadow: var(--shadow-lg);
  display: flex; align-items: center; gap: 10px;
  font-size: .8rem; font-weight: 600;
  color: var(--ink);
  z-index: 3;
  animation: badge-bob 4s ease-in-out infinite;
}
.hero-float-badge.top-right {
  top: -16px; right: -20px;
  animation-delay: .5s;
}
.hero-float-badge.bottom-left {
  bottom: 20px; left: -24px;
  animation-delay: 1.2s;
}
@keyframes badge-bob {
  0%,100% { transform: translateY(0); }
  50% { transform: translateY(-6px); }
}
.badge-icon {
  width: 32px; height: 32px;
  border-radius: 8px;
  display: flex; align-items: center; justify-content: center;
  font-size: .9rem;
}
.badge-icon.blue { background: var(--blue-soft); color: var(--blue); }
.badge-icon.green { background: var(--green-soft); color: var(--green); }
.badge-text-main { font-size: .82rem; font-weight: 700; color: var(--ink); }
.badge-text-sub { font-size: .72rem; color: var(--muted); font-weight: 400; }

/* =============================================
   TRUST BAND (logos)
   ============================================= */
.trust-band {
  background: var(--white);
  border-bottom: 1px solid var(--border-light);
  padding: 28px 0;
}
.trust-band-inner {
  display: flex; align-items: center; gap: 40px;
  flex-wrap: wrap; justify-content: center;
}
.trust-band-label {
  font-size: .72rem; font-weight: 700;
  text-transform: uppercase; letter-spacing: .1em;
  color: var(--muted-light);
  white-space: nowrap;
}
.trust-brand {
  font-size: .95rem; font-weight: 700;
  color: var(--surface-2);
  letter-spacing: -.01em;
  filter: grayscale(1);
  opacity: .45;
  transition: opacity var(--t-mid) var(--ease);
}
.trust-brand:hover { opacity: .7; }

/* =============================================
   SECTION HEADER
   ============================================= */
.section-header { margin-bottom: 64px; }
.section-header.centered { text-align: center; }
.section-header.centered .body-lead { margin-left: auto; margin-right: auto; max-width: 500px; }

/* =============================================
   SERVICE CARDS — 2.0
   ============================================= */
.services-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}
@media (max-width: 991px) { .services-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 600px) { .services-grid { grid-template-columns: 1fr; } }

.srv2-card {
  background: var(--white);
  border: 1px solid var(--border-light);
  border-radius: var(--r-xl);
  padding: 32px 28px;
  transition: all var(--t-slow) var(--ease);
  position: relative; overflow: hidden;
  cursor: default;
}
.srv2-card::after {
  content: '';
  position: absolute; inset: 0;
  border-radius: var(--r-xl);
  opacity: 0;
  background: linear-gradient(135deg, var(--blue-soft), transparent);
  transition: opacity var(--t-mid) var(--ease);
  pointer-events: none;
}
.srv2-card:hover {
  border-color: rgba(22,163,74,.2);
  box-shadow: var(--shadow-lg);
  transform: translateY(-4px);
}
.srv2-card:hover::after { opacity: 1; }

.srv2-icon-wrap {
  width: 52px; height: 52px;
  border-radius: var(--r-md);
  background: var(--surface);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.25rem;
  margin-bottom: 22px;
  transition: all var(--t-mid) var(--ease);
  color: var(--blue);
  position: relative; z-index: 1;
}
.srv2-card:hover .srv2-icon-wrap {
  background: var(--blue);
  color: #fff;
  box-shadow: var(--shadow-blue);
}

.srv2-card h4 {
  font-size: 1rem; font-weight: 700;
  letter-spacing: -.02em;
  margin-bottom: 9px;
  position: relative; z-index: 1;
}
.srv2-card p {
  font-size: .875rem; color: var(--text-soft);
  line-height: 1.65; margin-bottom: 20px;
  position: relative; z-index: 1;
}
.srv2-link {
  display: inline-flex; align-items: center; gap: 5px;
  font-size: .825rem; font-weight: 600;
  color: var(--blue); letter-spacing: -.01em;
  transition: gap var(--t-fast) var(--ease);
  position: relative; z-index: 1;
}
.srv2-link:hover { gap: 9px; }

/* =============================================
   STATS SECTION
   ============================================= */
.stats-section {
  background: var(--ink);
  padding: 72px 0;
  position: relative; overflow: hidden;
}
.stats-section::before {
  content: '';
  position: absolute; inset: 0;
  background: radial-gradient(ellipse 80% 100% at 50% 0%, rgba(22,163,74,.15), transparent 60%);
  pointer-events: none;
}
.stats-grid {
  display: grid; grid-template-columns: repeat(4, 1fr);
  gap: 1px;
  background: rgba(255,255,255,.06);
  border-radius: var(--r-xl); overflow: hidden;
}
@media (max-width: 767px) { .stats-grid { grid-template-columns: repeat(2, 1fr); } }

.stat-block {
  background: rgba(7,17,28,.6);
  padding: 40px 32px;
  text-align: center;
  backdrop-filter: blur(12px);
  transition: background var(--t-mid) var(--ease);
}
.stat-block:hover { background: rgba(22,163,74,.08); }
.stat-value {
  font-size: clamp(2rem, 3.5vw, 2.75rem);
  font-weight: 800;
  color: #fff;
  letter-spacing: -.05em;
  display: block; line-height: 1;
  margin-bottom: 10px;
}
.stat-value .accent { color: #4ADE80; }
.stat-label {
  font-size: .78rem; font-weight: 500;
  color: rgba(255,255,255,.4);
  text-transform: uppercase; letter-spacing: .09em;
}

/* =============================================
   ADVANTAGES / FEATURES
   ============================================= */
.features-layout {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
}
@media (max-width: 991px) { .features-layout { grid-template-columns: 1fr; gap: 48px; } }

.feature-list { display: flex; flex-direction: column; gap: 16px; }
.feature-item {
  display: flex; gap: 16px;
  padding: 20px;
  background: var(--white);
  border: 1px solid var(--border-light);
  border-radius: var(--r-lg);
  transition: all var(--t-mid) var(--ease);
}
.feature-item:hover {
  border-color: rgba(22,163,74,.2);
  box-shadow: var(--shadow-md);
  transform: translateX(4px);
}
.feature-icon {
  width: 44px; height: 44px; min-width: 44px;
  background: var(--blue-soft);
  border-radius: var(--r-sm);
  display: flex; align-items: center; justify-content: center;
  color: var(--blue); font-size: 1.1rem;
}
.feature-item h5 { font-size: .9375rem; font-weight: 700; margin-bottom: 4px; letter-spacing: -.015em; }
.feature-item p { font-size: .84rem; color: var(--text-soft); margin: 0; line-height: 1.6; }

.features-visual {
  position: relative;
}
.features-img {
  border-radius: var(--r-xl);
  overflow: hidden;
  box-shadow: var(--shadow-xl);
  aspect-ratio: 4/5;
}
.features-img img { width: 100%; height: 100%; object-fit: cover; }

.features-badge {
  position: absolute;
  background: var(--white);
  border-radius: var(--r-lg);
  padding: 16px 20px;
  box-shadow: var(--shadow-lg);
  display: flex; align-items: center; gap: 12px;
}
.features-badge.top { top: -16px; right: -16px; }
.features-badge.bottom { bottom: 32px; left: -24px; }
.fb-icon {
  width: 40px; height: 40px;
  border-radius: var(--r-sm);
  display: flex; align-items: center; justify-content: center;
  font-size: 1rem;
}
.fb-icon.blue { background: var(--blue-soft); color: var(--blue); }
.fb-icon.green { background: var(--green-soft); color: var(--green); }
.fb-num { font-size: 1.2rem; font-weight: 800; color: var(--ink); letter-spacing: -.03em; display: block; }
.fb-lbl { font-size: .72rem; color: var(--muted); font-weight: 500; }

/* =============================================
   SIMULATOR
   ============================================= */
.sim-wrapper {
  background: var(--surface);
  border-radius: var(--r-2xl);
  padding: 56px;
  position: relative; overflow: hidden;
}
.sim-wrapper::before {
  content: '';
  position: absolute; top: -80px; right: -80px;
  width: 320px; height: 320px;
  background: radial-gradient(circle, var(--blue-glow), transparent 70%);
  pointer-events: none;
}
@media (max-width: 767px) { .sim-wrapper { padding: 28px 20px; } }

.sim-layout {
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 48px; align-items: center;
}
@media (max-width: 767px) { .sim-layout { grid-template-columns: 1fr; gap: 32px; } }

.sim-amount-big {
  font-size: clamp(2.5rem, 5vw, 4rem);
  font-weight: 800;
  color: var(--ink);
  letter-spacing: -.06em;
  line-height: 1;
  margin-bottom: 4px;
}
.sim-duration-display {
  font-size: 1.25rem; font-weight: 700;
  color: var(--blue); letter-spacing: -.03em;
  margin-bottom: 4px;
}

.slider-label {
  font-size: .72rem; font-weight: 700;
  text-transform: uppercase; letter-spacing: .09em;
  color: var(--muted); margin-bottom: 6px; display: block;
}
.range-wrap { margin-bottom: 24px; }

input[type="range"] {
  width: 100%; height: 4px; appearance: none;
  background: var(--border); border-radius: 2px; outline: none;
  margin: 10px 0; cursor: pointer;
}
input[type="range"]::-webkit-slider-thumb {
  appearance: none; width: 20px; height: 20px;
  background: var(--blue); border-radius: 50%;
  cursor: pointer;
  box-shadow: 0 0 0 4px rgba(22,163,74,.15);
  transition: box-shadow var(--t-fast) var(--ease);
}
input[type="range"]::-webkit-slider-thumb:hover {
  box-shadow: 0 0 0 6px rgba(22,163,74,.2);
}
.range-hints { display: flex; justify-content: space-between; font-size: .72rem; color: var(--muted-light); font-weight: 500; }

.sim-results-grid {
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 12px; margin-bottom: 24px;
}
.sim-res {
  background: var(--white);
  border: 1px solid var(--border-light);
  border-radius: var(--r-md);
  padding: 20px 16px;
  text-align: center;
  box-shadow: var(--shadow-xs);
}
.sim-res-val {
  font-size: 1.5rem; font-weight: 800;
  color: var(--ink); letter-spacing: -.04em;
  display: block; margin-bottom: 5px;
}
.sim-res-val.green { color: var(--green); }
.sim-res-lbl { font-size: .7rem; font-weight: 600; text-transform: uppercase; letter-spacing: .08em; color: var(--muted-light); }
.sim-disclaimer { font-size: .7rem; color: var(--muted-light); text-align: center; margin-top: 10px; }

/* =============================================
   PROCESS SECTION
   ============================================= */
.process-grid {
  display: grid; grid-template-columns: repeat(4, 1fr);
  gap: 24px; position: relative;
}
@media (max-width: 767px) { .process-grid { grid-template-columns: repeat(2, 1fr); } }

.process-grid::before {
  content: '';
  position: absolute;
  top: 32px; left: calc(12.5% + 20px); right: calc(12.5% + 20px);
  height: 2px;
  background: linear-gradient(90deg, var(--blue), transparent 80%);
  opacity: .2;
}
@media (max-width: 767px) { .process-grid::before { display: none; } }

.proc-card {
  text-align: center; padding: 8px;
}
.proc-num {
  width: 64px; height: 64px;
  background: var(--white);
  border: 2px solid var(--border);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 20px;
  font-size: 1.125rem; font-weight: 800;
  color: var(--blue);
  position: relative; z-index: 1;
  box-shadow: var(--shadow-sm);
  transition: all var(--t-mid) var(--ease);
}
.proc-card:hover .proc-num {
  background: var(--blue);
  border-color: var(--blue);
  color: #fff;
  box-shadow: var(--shadow-blue);
  transform: scale(1.08);
}
.proc-card h5 { font-size: .9375rem; font-weight: 700; margin-bottom: 8px; letter-letters: -.015em; }
.proc-card p { font-size: .825rem; color: var(--text-soft); line-height: 1.6; }

/* =============================================
   TESTIMONIALS
   ============================================= */
.testi-grid {
  display: grid; grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}
@media (max-width: 991px) { .testi-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 600px) { .testi-grid { grid-template-columns: 1fr; } }

.testi2-card {
  background: var(--white);
  border: 1px solid var(--border-light);
  border-radius: var(--r-xl);
  padding: 28px;
  transition: all var(--t-mid) var(--ease);
  display: flex; flex-direction: column;
}
.testi2-card:hover {
  box-shadow: var(--shadow-lg);
  border-color: transparent;
  transform: translateY(-4px);
}
.testi2-stars { display: flex; gap: 3px; margin-bottom: 16px; }
.testi2-stars span { color: #FBBF24; font-size: .875rem; }
.testi2-text {
  font-size: .9rem; color: var(--text-soft);
  line-height: 1.72; flex: 1; margin-bottom: 22px;
}
.testi2-author { display: flex; align-items: center; gap: 12px; }
.testi2-av {
  width: 40px; height: 40px;
  border-radius: 50%;
  background: linear-gradient(135deg, var(--blue), #4ADE80);
  display: flex; align-items: center; justify-content: center;
  font-size: .8rem; font-weight: 800; color: #fff;
  flex-shrink: 0;
}
.testi2-name { font-size: .875rem; font-weight: 700; color: var(--ink); letter-spacing: -.01em; }
.testi2-role { font-size: .75rem; color: var(--muted-light); }

/* =============================================
   FAQ
   ============================================= */
.faq-layout {
  display: grid; grid-template-columns: 1fr 1.8fr;
  gap: 80px; align-items: start;
}
@media (max-width: 991px) { .faq-layout { grid-template-columns: 1fr; gap: 40px; } }

.faq-sidebar h2 { margin-bottom: 16px; }
.faq-sidebar p { color: var(--text-soft); font-size: .9375rem; line-height: 1.72; margin-bottom: 28px; }

.accordion-item {
  border: 1px solid var(--border-light) !important;
  border-radius: var(--r-md) !important;
  margin-bottom: 8px !important; overflow: hidden;
  transition: box-shadow var(--t-mid) var(--ease);
}
.accordion-item:hover { box-shadow: var(--shadow-sm); }
.accordion-button {
  font-size: .9375rem !important; font-weight: 600 !important;
  color: var(--ink) !important;
  background: var(--white) !important;
  padding: 18px 20px !important;
  letter-spacing: -.015em;
}
.accordion-button:not(.collapsed) {
  color: var(--blue) !important;
  background: var(--blue-soft) !important;
  box-shadow: none !important;
}
.accordion-button::after {
  filter: none;
  background-image: url("data:image/svg+xml,%3csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16' fill='%230066FF'%3e%3cpath fill-rule='evenodd' d='M1.646 4.646a.5.5 0 0 1 .708 0L8 10.293l5.646-5.647a.5.5 0 0 1 .708.708l-6 6a.5.5 0 0 1-.708 0l-6-6a.5.5 0 0 1 0-.708z'/%3e%3c/svg%3e") !important;
}
.accordion-body { padding: 16px 20px 20px !important; font-size: .875rem; color: var(--text-soft); line-height: 1.72; background: var(--white); }

/* =============================================
   CTA SECTION
   ============================================= */
.cta-section {
  background: var(--ink);
  border-radius: var(--r-2xl);
  padding: 72px 64px;
  position: relative; overflow: hidden;
  margin: 0 24px;
}
@media (max-width: 767px) { .cta-section { padding: 40px 28px; margin: 0 16px; } }
.cta-section::before {
  content: '';
  position: absolute; inset: 0;
  background:
    radial-gradient(ellipse 80% 100% at 80% 50%, rgba(22,163,74,.2), transparent 60%),
    radial-gradient(ellipse 40% 80% at 10% 50%, rgba(22,163,74,.08), transparent 60%);
  pointer-events: none;
}
.cta-section h2 { color: #fff; margin-bottom: 14px; font-size: clamp(1.75rem, 3vw, 2.5rem); }
.cta-section p { color: rgba(255,255,255,.6); font-size: 1.025rem; }
.cta-actions { display: flex; gap: 12px; flex-wrap: wrap; margin-top: 32px; }

/* =============================================
   PAGE HERO (inner pages)
   ============================================= */
.page-hero {
  background: linear-gradient(135deg, rgba(5,46,22,.97), rgba(22,101,52,.93));
  padding: 160px 0 96px;
  position: relative; overflow: hidden;
}
.page-hero::before {
  content: '';
  position: absolute; inset: 0;
  background: radial-gradient(circle at 25% 30%, rgba(22,163,74,.22), transparent 25%),
              radial-gradient(circle at 80% 20%, rgba(22,163,74,.18), transparent 20%);
  pointer-events: none;
}
.page-hero::after {
  content: '';
  position: absolute;
  width: 360px; height: 360px;
  border-radius: 50%;
  top: 18%; right: -90px;
  background: rgba(255,255,255,.08);
  filter: blur(30px);
  pointer-events: none;
}
.page-hero h1 { color: #fff; font-size: clamp(2rem, 4vw, 3.5rem); margin-bottom: 18px; }
.page-hero .breadcrumb { background: none !important; padding: 0 !important; margin-bottom: 20px; }
.page-hero .breadcrumb-item a { color: rgba(255,255,255,.4); font-size: .82rem; }
.page-hero .breadcrumb-item.active { color: rgba(255,255,255,.72); font-size: .82rem; }
.page-hero .breadcrumb-item+.breadcrumb-item::before { color: rgba(255,255,255,.22); }
.page-hero h1 { color: #fff; font-size: clamp(2rem, 4vw, 3.5rem); margin-bottom: 18px; }
.page-hero .lead-text { color: rgba(255,255,255,.58); font-size: 1.05rem; max-width: 560px; line-height: 1.75; }

/* =============================================
   CONTACT PAGE
   ============================================= */
.contact-layout {
  display: grid; grid-template-columns: 1fr 1.3fr;
  gap: 64px; align-items: start;
  position: relative;
}
@media (max-width: 991px) { .contact-layout { grid-template-columns: 1fr; gap: 40px; } }

.cinfo-block {
  display: flex; align-items: flex-start; gap: 14px;
  padding: 24px;
  background: rgba(255,255,255,.92);
  border: 1px solid rgba(22,163,74,.15);
  border-left: 4px solid var(--green);
  border-radius: var(--r-2xl);
  margin-bottom: 16px;
  transition: transform var(--t-mid) var(--ease), box-shadow var(--t-mid) var(--ease);
}
.cinfo-block:hover { transform: translateY(-2px); box-shadow: 0 18px 50px rgba(15,86,126,.08); }
.cinfo-ico {
  width: 46px; height: 46px; min-width: 46px;
  background: linear-gradient(135deg, var(--blue-soft), var(--green-soft));
  border-radius: var(--r-full);
  display: flex; align-items: center; justify-content: center;
  color: var(--blue);
  font-size: 1.05rem;
}
.cinfo-lbl { font-size: .7rem; font-weight: 700; text-transform: uppercase; letter-spacing: .09em; color: var(--muted-light); margin-bottom: 3px; }
.cinfo-val { font-size: .9375rem; font-weight: 600; color: var(--ink); }

.contact-form-panel {
  position: relative;
  background: #fff;
  border: 1px solid rgba(22,163,74,.12);
  border-radius: var(--r-2xl);
  padding: 46px;
  box-shadow: 0 18px 60px rgba(14,55,96,.08);
  overflow: hidden;
}
.contact-form-panel::before {
  content: '';
  position: absolute; top: -40px; right: -50px;
  width: 220px; height: 220px;
  border-radius: 50%;
  background: rgba(22,163,74,.08);
  pointer-events: none;
}
.map-placeholder {
  background: var(--surface);
  border: 1px solid var(--border-light);
  border-radius: var(--r-lg);
  height: 220px;
  display: flex; flex-direction: column;
  align-items: center; justify-content: center;
  color: var(--muted-light);
  font-size: .875rem; font-weight: 500;
  margin-top: 16px;
}
.map-placeholder i { font-size: 2rem; margin-bottom: 10px; }

/* =============================================
   FORM ELEMENTS — Global
   ============================================= */
.flabel {
  display: block;
  font-size: .72rem; font-weight: 700;
  text-transform: uppercase; letter-spacing: .09em;
  color: var(--muted); margin-bottom: 7px;
}
.finput {
  width: 100%;
  padding: 12px 16px;
  border: 1.5px solid var(--border);
  border-radius: var(--r-sm);
  font-size: .9375rem; font-family: var(--font-sans);
  color: var(--ink); background: var(--white);
  outline: none; appearance: none;
  transition: all var(--t-fast) var(--ease);
}
.finput:focus { border-color: var(--blue); box-shadow: 0 0 0 3px rgba(22,163,74,.1); }
.finput:hover:not(:focus) { border-color: #CBD5E1; }
.finput::placeholder { color: var(--muted-light); }
.finput.error { border-color: var(--red); box-shadow: 0 0 0 3px rgba(239,68,68,.08); }
select.finput { cursor: pointer; }
textarea.finput { resize: vertical; }

.fgroup { margin-bottom: 20px; }
.field-error { font-size: .75rem; color: var(--red); font-weight: 500; margin-top: 5px; display: none; }
.field-error.show { display: block; }

/* =============================================
   LOAN APPLICATION PAGE
   ============================================= */
.loan-page {
  min-height: 100vh;
  background: var(--surface);
  padding: 100px 0 80px;
  display: flex; align-items: center;
}

.loan-layout {
  display: grid; grid-template-columns: 1fr 1.1fr;
  gap: 64px; align-items: start;
}
@media (max-width: 991px) { .loan-layout { grid-template-columns: 1fr; gap: 40px; } }

/* Left panel — trust/info */
.loan-trust-panel {}
.loan-trust-panel h1 {
  font-size: clamp(1.75rem, 3vw, 2.5rem);
  margin-bottom: 14px; letter-spacing: -.04em;
}
.loan-trust-panel p { color: var(--text-soft); line-height: 1.75; margin-bottom: 32px; }

.trust-items { display: flex; flex-direction: column; gap: 14px; margin-bottom: 36px; }
.trust-item {
  display: flex; align-items: flex-start; gap: 14px;
  padding: 16px 18px;
  background: var(--white);
  border: 1px solid var(--border-light);
  border-radius: var(--r-lg);
  box-shadow: var(--shadow-xs);
}
.trust-item-icon {
  width: 40px; height: 40px; min-width: 40px;
  border-radius: var(--r-sm);
  display: flex; align-items: center; justify-content: center;
  font-size: .9rem;
}
.trust-item-icon.blue { background: var(--blue-soft); color: var(--blue); }
.trust-item-icon.green { background: var(--green-soft); color: var(--green); }
.trust-item-icon.amber { background: #FFF8E6; color: var(--amber); }
.trust-item h5 { font-size: .875rem; font-weight: 700; margin-bottom: 2px; letter-spacing: -.01em; }
.trust-item p { font-size: .8rem; color: var(--text-soft); margin: 0; line-height: 1.5; }

.loan-logos {
  display: flex; align-items: center; gap: 8px; flex-wrap: wrap;
}
.loan-logo-badge {
  background: var(--white); border: 1px solid var(--border-light);
  border-radius: var(--r-sm); padding: 8px 14px;
  font-size: .72rem; font-weight: 700;
  color: var(--muted-light); letter-spacing: .02em;
}

/* Right panel — form */
.loan-form-panel {
  background: var(--white);
  border-radius: var(--r-xl);
  box-shadow: var(--shadow-xl);
  overflow: hidden;
  border: 1px solid var(--border-light);
}
.loan-form-top {
  background: var(--blue);
  padding: 28px 36px;
  position: relative; overflow: hidden;
}
.loan-form-top::before {
  content: '';
  position: absolute; top: -40px; right: -40px;
  width: 160px; height: 160px;
  background: rgba(255,255,255,.06);
  border-radius: 50%;
}
.loan-form-top h3 { color: #fff; font-size: 1.2rem; margin-bottom: 6px; }
.loan-form-top p { color: rgba(255,255,255,.7); font-size: .85rem; margin: 0; }

.loan-form-body { padding: 36px; }
@media (max-width: 767px) { .loan-form-body { padding: 24px; } }

.loan-progress-bar {
  margin-bottom: 28px;
}
.progress-track {
  height: 4px; background: var(--border-light);
  border-radius: 2px; overflow: hidden;
}
.progress-fill {
  height: 100%; background: linear-gradient(90deg, var(--blue), #4ADE80);
  border-radius: 2px;
  width: 0%; transition: width .4s var(--ease);
}
.progress-label {
  display: flex; justify-content: space-between;
  font-size: .72rem; color: var(--muted-light);
  font-weight: 600; margin-top: 6px;
}

.amount-presets { display: flex; gap: 7px; flex-wrap: wrap; margin-top: 8px; }
.amount-preset {
  background: var(--surface); border: 1.5px solid var(--border);
  border-radius: var(--r-sm); padding: 5px 11px;
  font-size: .78rem; font-weight: 600; color: var(--text-soft);
  cursor: pointer; transition: all var(--t-fast) var(--ease);
  font-family: var(--font-sans);
}
.amount-preset:hover { border-color: var(--blue); color: var(--blue); background: var(--blue-soft); }

.loan-submit-btn {
  width: 100%;
  background: var(--blue);
  color: #fff;
  border: none; border-radius: var(--r-sm);
  padding: 15px 20px;
  font-size: .9375rem; font-weight: 700;
  font-family: var(--font-sans);
  letter-spacing: -.01em;
  cursor: pointer;
  transition: all var(--t-mid) var(--ease);
  box-shadow: var(--shadow-blue);
  display: flex; align-items: center; justify-content: center; gap: 9px;
}
.loan-submit-btn:hover { background: var(--blue-mid); transform: translateY(-2px); box-shadow: 0 14px 40px rgba(22,163,74,.3); }

.form-security-row {
  display: flex; justify-content: center; gap: 20px;
  margin-top: 18px; flex-wrap: wrap;
}
.fsr-item {
  display: flex; align-items: center; gap: 5px;
  font-size: .72rem; color: var(--muted-light); font-weight: 500;
}
.fsr-item i { color: var(--green); font-size: .75rem; }

/* =============================================
   THANK YOU PAGE
   ============================================= */
.ty-wrap {
  min-height: 100vh;
  background: var(--surface);
  display: flex; align-items: center;
  padding: 120px 0 80px;
}
.ty-card {
  max-width: 580px; margin: 0 auto;
  background: var(--white);
  border: 1px solid var(--border-light);
  border-radius: var(--r-2xl);
  padding: 56px 48px;
  text-align: center;
  box-shadow: var(--shadow-xl);
}
@media (max-width: 600px) { .ty-card { padding: 36px 24px; } }
.ty-check {
  width: 80px; height: 80px;
  background: var(--green);
  border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 28px;
  font-size: 2rem; color: #fff;
  box-shadow: var(--shadow-green);
  animation: ty-pop .6s var(--ease-out);
}
@keyframes ty-pop {
  0% { transform: scale(0); opacity: 0; }
  60% { transform: scale(1.1); }
  100% { transform: scale(1); opacity: 1; }
}
.ty-steps {
  background: var(--surface);
  border-radius: var(--r-lg);
  padding: 24px;
  text-align: left;
  margin: 28px 0;
}
.ty-step {
  display: flex; gap: 12px; align-items: flex-start;
  padding: 10px 0;
  border-bottom: 1px solid var(--border-light);
}
.ty-step:last-child { border-bottom: none; }
.ty-step-dot {
  width: 26px; height: 26px; min-width: 26px;
  background: var(--blue); border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-size: .68rem; font-weight: 800; color: #fff;
}
.ty-step-text { font-size: .85rem; color: var(--text-soft); line-height: 1.55; }
.ty-step-text strong { color: var(--ink); font-weight: 600; }

/* =============================================
   SERVICES PAGE
   ============================================= */
.service-detail {
  padding: 72px 0;
  border-bottom: 1px solid var(--border-light);
}
.service-detail-layout {
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 64px; align-items: center;
}
@media (max-width: 991px) { .service-detail-layout { grid-template-columns: 1fr; gap: 36px; } }

.sd-icon-wrap {
  width: 56px; height: 56px;
  border-radius: var(--r-md);
  background: var(--blue-soft);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.4rem; color: var(--blue);
  margin-bottom: 24px;
}
.sd-list { list-style: none; padding: 0; margin: 20px 0 28px; }
.sd-list li {
  display: flex; align-items: center; gap: 10px;
  font-size: .875rem; color: var(--text-soft);
  padding: 8px 0;
  border-bottom: 1px solid var(--border-light);
}
.sd-list li::before {
  content: '';
  width: 6px; height: 6px; min-width: 6px;
  background: var(--blue); border-radius: 50%;
}
.sd-list li:last-child { border-bottom: none; }

.example-card {
  background: var(--surface);
  border: 1px solid var(--border-light);
  border-radius: var(--r-xl);
  padding: 32px;
}
.example-card h5 {
  font-size: .7rem; font-weight: 700;
  text-transform: uppercase; letter-spacing: .1em;
  color: var(--muted-light); margin-bottom: 20px;
}
.ex-row {
  display: flex; justify-content: space-between; align-items: center;
  padding: 11px 0; border-bottom: 1px solid var(--border-light);
  font-size: .875rem;
}
.ex-row:last-child { border-bottom: none; }
.ex-row .ek { color: var(--text-soft); }
.ex-row .ev { font-weight: 700; color: var(--ink); }
.ex-row .ev.green { color: var(--green); }
.ex-row .ev.red { color: var(--red); }
.ex-note { font-size: .68rem; color: var(--muted-light); margin-top: 12px; line-height: 1.55; }

/* =============================================
   ABOUT PAGE
   ============================================= */
.about-mission {
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 64px; align-items: center;
}
@media (max-width: 991px) { .about-mission { grid-template-columns: 1fr; gap: 40px; } }

.about-stats-grid {
  display: grid; grid-template-columns: 1fr 1fr;
  gap: 14px;
}
.about-stat-card {
  background: rgba(255,255,255,.06);
  border-radius: var(--r-lg);
  padding: 20px;
  text-align: center;
}
.about-stat-val { font-size: 1.75rem; font-weight: 800; color: var(--green); letter-spacing: -.04em; display: block; }
.about-stat-lbl { font-size: .72rem; color: rgba(255,255,255,.4); font-weight: 600; text-transform: uppercase; letter-spacing: .07em; }

.values-grid {
  display: grid; grid-template-columns: repeat(4, 1fr);
  gap: 20px;
}
@media (max-width: 991px) { .values-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 500px) { .values-grid { grid-template-columns: 1fr; } }

.val2-card {
  background: var(--white);
  border: 1px solid var(--border-light);
  border-radius: var(--r-xl);
  padding: 28px 24px;
  text-align: center;
  transition: all var(--t-mid) var(--ease);
}
.val2-card:hover { box-shadow: var(--shadow-lg); transform: translateY(-4px); border-color: transparent; }
.val2-icon {
  width: 56px; height: 56px;
  background: linear-gradient(135deg, var(--blue), #4ADE80);
  border-radius: var(--r-md);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.3rem; color: #fff;
  margin: 0 auto 18px;
}
.val2-card h4 { font-size: .9375rem; font-weight: 700; margin-bottom: 8px; letter-spacing: -.015em; }
.val2-card p { font-size: .825rem; color: var(--text-soft); line-height: 1.6; margin: 0; }

.team-img-wrap {
  border-radius: var(--r-xl);
  overflow: hidden;
  box-shadow: var(--shadow-xl);
}
.team-img-wrap img { width: 100%; height: 440px; object-fit: cover; }

/* =============================================
   LEGAL PAGES
   ============================================= */
.legal-wrap { padding: 80px 0; }
.legal-wrap h2 { font-size: 1.375rem; margin-top: 44px; margin-bottom: 12px; }
.legal-wrap h3 { font-size: 1.05rem; margin-top: 26px; margin-bottom: 8px; }
.legal-wrap p, .legal-wrap li { font-size: .9rem; color: var(--text-soft); line-height: 1.8; }
.legal-wrap ul { padding-left: 18px; margin-bottom: 14px; }
.legal-wrap ul li { margin-bottom: 5px; }
.legal-note {
  background: var(--green-soft);
  border: 1px solid rgba(22,163,74,.2);
  border-radius: var(--r-md);
  padding: 18px 22px;
  margin-bottom: 32px;
  display: flex; gap: 12px;
}
.legal-note i { color: var(--green); margin-top: 2px; }
.legal-note-text { font-size: .875rem; color: var(--ink); line-height: 1.65; }

/* =============================================
   FOOTER
   ============================================= */
footer {
  background: var(--ink);
  padding: 72px 0 0;
}
.footer-grid {
  display: grid; grid-template-columns: 2fr 1fr 1fr 1.5fr;
  gap: 48px; padding-bottom: 56px;
}
@media (max-width: 991px) { .footer-grid { grid-template-columns: 1fr 1fr; gap: 32px; } }
@media (max-width: 600px) { .footer-grid { grid-template-columns: 1fr; } }

.foot-brand {
  display: flex; align-items: center; gap: 10px;
  font-weight: 800; font-size: 1.2rem;
  color: #fff !important; letter-spacing: -.035em;
  margin-bottom: 16px;
}
.foot-mark {
  width: 32px; height: 32px;
  background: var(--blue); border-radius: 8px;
  display: flex; align-items: center; justify-content: center;
}
.foot-desc { font-size: .85rem; color: rgba(255,255,255,.45); line-height: 1.72; max-width: 260px; margin-bottom: 24px; }
.foot-socials { display: flex; gap: 8px; }
.foot-social {
  width: 34px; height: 34px;
  background: rgba(255,255,255,.06);
  border-radius: var(--r-sm);
  display: flex; align-items: center; justify-content: center;
  color: rgba(255,255,255,.45); font-size: .82rem;
  transition: all var(--t-mid) var(--ease);
}
.foot-social:hover { background: var(--blue); color: #fff; transform: translateY(-2px); }

.foot-heading {
  font-size: .68rem; font-weight: 700;
  text-transform: uppercase; letter-spacing: .12em;
  color: rgba(255,255,255,.28); margin-bottom: 18px;
}
.foot-links { list-style: none; padding: 0; }
.foot-links li { margin-bottom: 9px; }
.foot-links a {
  font-size: .85rem; color: rgba(255,255,255,.5);
  transition: all var(--t-fast) var(--ease);
}
.foot-links a:hover { color: #fff; padding-left: 4px; }

.foot-bottom {
  border-top: 1px solid rgba(255,255,255,.06);
  padding: 22px 0;
}
.foot-bottom-inner {
  display: flex; justify-content: space-between; align-items: center;
  flex-wrap: wrap; gap: 12px;
}
.foot-copy { font-size: .78rem; color: rgba(255,255,255,.32); }
.foot-legal-links { display: flex; gap: 20px; }
.foot-legal-links a { font-size: .78rem; color: rgba(255,255,255,.32); transition: color var(--t-fast) var(--ease); }
.foot-legal-links a:hover { color: rgba(255,255,255,.7); }

/* =============================================
   NOTIFICATION TOAST
   ============================================= */
.notification {
  position: fixed; bottom: 24px; right: 24px;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--r-lg);
  padding: 16px 20px;
  box-shadow: var(--shadow-xl);
  z-index: 9999; max-width: 340px;
  display: flex; align-items: center; gap: 12px;
  transform: translateY(110px); opacity: 0;
  transition: all .3s var(--ease);
}
.notification.show { transform: translateY(0); opacity: 1; }
.notification.success .notif-icon { color: var(--green); font-size: 1.25rem; }
.notification.error .notif-icon { color: var(--red); font-size: 1.25rem; }
.notif-title { font-weight: 700; font-size: .875rem; color: var(--ink); margin-bottom: 2px; }
.notif-msg { font-size: .78rem; color: var(--text-soft); }
.notif-close { margin-left: auto; background: none; border: none; cursor: pointer; color: var(--muted-light); padding: 0 0 0 8px; font-size: .9rem; }

/* =============================================
   SCROLL ANIMATIONS
   ============================================= */
.fade-up { opacity: 0; transform: translateY(28px) scale(.988); transition: opacity .65s var(--ease), transform .65s var(--ease); }
.fade-up.visible { opacity: 1; transform: translateY(0) scale(1); }
.delay-1 { transition-delay: .1s; }
.delay-2 { transition-delay: .2s; }
.delay-3 { transition-delay: .3s; }
.delay-4 { transition-delay: .4s; }

/* =============================================
   RESPONSIVE
   ============================================= */
@media (max-width: 991px) {
  .hero { padding: 120px 0 72px; text-align: center; }
  .hero-desc { margin-left: auto; margin-right: auto; }
  .hero-actions { justify-content: center; }
  .hero-trust { justify-content: center; }
  section { padding: 72px 0; }
  .cta-section { padding: 48px 32px; }
}
@media (max-width: 767px) {
  .hero h1 { font-size: 2.25rem; }
  .footer-grid { grid-template-columns: 1fr; }
  .foot-legal-links { flex-wrap: wrap; gap: 12px; }
  .loan-form-top { padding: 22px 24px; }
}

/* =============================================
   ENHANCEMENT LAYER — Visual Life 2.0
   ============================================= */

/* ── Scroll progress bar ─────────────────────── */
.scroll-progress {
  position: fixed; top: 0; left: 0;
  height: 3px; z-index: 10000;
  background: linear-gradient(90deg, var(--blue), var(--green));
  width: 0%; border-radius: 0 3px 3px 0;
  box-shadow: 0 0 8px rgba(22,163,74,.45);
  pointer-events: none;
  transition: width 80ms linear;
}

/* ── Trust band marquee ─────────────────────── */
.trust-band-inner { flex-wrap: nowrap; overflow: hidden; }
.trust-marquee-track {
  display: flex; align-items: center; gap: 48px;
  animation: marquee-scroll 22s linear infinite;
  will-change: transform; flex-shrink: 0;
}
.trust-marquee-track:hover { animation-play-state: paused; }
@keyframes marquee-scroll {
  from { transform: translateX(0); }
  to   { transform: translateX(-50%); }
}

/* ── Button shine sweep ─────────────────────── */
.btn-fe-primary,
.btn-fe-green,
.btn-nav-cta {
  position: relative; overflow: hidden;
}
.btn-fe-primary::before,
.btn-fe-green::before,
.btn-nav-cta::before {
  content: '';
  position: absolute; top: 0; left: -75%;
  width: 50%; height: 100%;
  background: linear-gradient(90deg, transparent, rgba(255,255,255,.22), transparent);
  transform: skewX(-20deg);
  pointer-events: none;
  transition: left .6s ease;
}
.btn-fe-primary:hover::before,
.btn-fe-green:hover::before,
.btn-nav-cta:hover::before { left: 125%; }

/* ── Service cards gradient glow border ──────── */
.srv2-card { isolation: isolate; }
.srv2-card::before {
  content: '';
  position: absolute; inset: -1px;
  border-radius: calc(var(--r-xl) + 1px);
  background: linear-gradient(135deg, var(--blue), var(--green));
  z-index: -1; opacity: 0;
  transition: opacity var(--t-mid) var(--ease);
}
.srv2-card:hover::before { opacity: .13; }

/* ── Label chip shimmer ─────────────────────── */
.label-chip { position: relative; overflow: hidden; }
.label-chip::after {
  content: '';
  position: absolute; inset: 0;
  background: linear-gradient(90deg, transparent, rgba(255,255,255,.3), transparent);
  transform: translateX(-100%);
  animation: chip-shine 4.5s ease-in-out infinite;
  pointer-events: none;
}
@keyframes chip-shine {
  0%, 55% { transform: translateX(-100%); }
  72%      { transform: translateX(100%); }
  100%     { transform: translateX(100%); }
}

/* ── Animated gradient hero text ─────────────── */
.hero h1 .grad {
  background: linear-gradient(90deg, #86EFAC 0%, #4ADE80 25%, #4ADE80 55%, #86EFAC 100%);
  background-size: 200% auto;
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
  animation: grad-move 5s linear infinite;
}
.heading-display .grad { background-size: 200% auto; animation: grad-move 5s linear infinite; }
@keyframes grad-move {
  from { background-position: 0% center; }
  to   { background-position: 200% center; }
}

/* ── Hero card glow pulse ────────────────────── */
.hero-card {
  animation: hero-float 7s ease-in-out infinite, hero-glow 4s ease-in-out infinite alternate;
}
@keyframes hero-glow {
  from { box-shadow: 0 0 30px rgba(22,163,74,.05), 0 0 0 1px rgba(255,255,255,.07); }
  to   { box-shadow: 0 0 65px rgba(22,163,74,.2),  0 0 0 1px rgba(22,163,74,.22); }
}

/* ── Feature item left accent bar ───────────── */
.feature-item { position: relative; padding-left: 22px !important; }
.feature-item::before {
  content: '';
  position: absolute; left: 0; top: 14px; bottom: 14px;
  width: 3px;
  background: linear-gradient(180deg, var(--blue), var(--green));
  border-radius: 3px;
  transform: scaleY(0);
  transform-origin: bottom;
  transition: transform var(--t-mid) var(--ease);
}
.feature-item:hover::before { transform: scaleY(1); }

/* ── Process connector animated flow ────────── */
.process-grid::before {
  background: linear-gradient(90deg, var(--blue) 0%, var(--green) 50%, rgba(22,163,74,.05) 100%);
  background-size: 200% 100%;
  opacity: .35;
  animation: line-flow 3.5s linear infinite;
}
@keyframes line-flow {
  from { background-position: -100% 0; }
  to   { background-position: 100% 0; }
}

/* ── Stat block number glow ──────────────────── */
.stat-block:hover .stat-value { filter: drop-shadow(0 0 22px rgba(96,165,250,.5)); }
.stat-block:hover .stat-value .accent { color: #93C5FD; }

/* ── Form input enhanced focus ───────────────── */
.finput { transition: all var(--t-fast) var(--ease), transform var(--t-fast) var(--ease), box-shadow var(--t-fast) var(--ease); }
.finput:focus {
  border-color: var(--blue);
  box-shadow: 0 0 0 3px rgba(22,163,74,.1), 0 4px 14px rgba(22,163,74,.07);
  transform: translateY(-1px);
}

/* ── Footer link underline ───────────────────── */
.foot-links a { position: relative; display: inline-block; }
.foot-links a::after {
  content: '';
  position: absolute; bottom: -1px; left: 0;
  width: 0; height: 1px;
  background: rgba(255,255,255,.55);
  transition: width var(--t-fast) var(--ease);
}
.foot-links a:hover { padding-left: 0 !important; color: rgba(255,255,255,.9) !important; }
.foot-links a:hover::after { width: 100%; }

/* ── Value card icon float ───────────────────── */
.val2-icon { animation: icon-bob 4s ease-in-out infinite; }
.val2-card:nth-child(2) .val2-icon { animation-delay: -.8s; }
.val2-card:nth-child(3) .val2-icon { animation-delay: -1.6s; }
.val2-card:nth-child(4) .val2-icon { animation-delay: -2.4s; }
@keyframes icon-bob {
  0%, 100% { transform: translateY(0); }
  50%       { transform: translateY(-7px); }
}

/* ── Brand mark pulse ────────────────────────── */
.brand-mark { animation: brand-pulse 3s ease-in-out infinite; }
@keyframes brand-pulse {
  0%, 100% { box-shadow: 0 0 0 0 rgba(22,163,74,.35); }
  50%       { box-shadow: 0 0 0 6px rgba(22,163,74,0); }
}

/* ── Hero eyebrow dot color shift ───────────── */
.hero-eyebrow-dot { animation: pulse-glow 2.2s ease-in-out infinite, dot-hue 7s linear infinite; }
@keyframes dot-hue {
  0%, 100% { background: var(--green); }
  50%       { background: #4ADE80; }
}

/* ── Testimonial card avatar pop ─────────────── */
.testi2-av { transition: transform var(--t-mid) var(--ease), box-shadow var(--t-mid) var(--ease); }
.testi2-card:hover .testi2-av { transform: scale(1.1); box-shadow: var(--shadow-blue); }

/* ── Contact info icon transform ─────────────── */
.cinfo-ico { transition: all var(--t-mid) var(--ease); }
.cinfo-block:hover .cinfo-ico {
  background: linear-gradient(135deg, var(--blue), var(--green));
  color: #fff;
  transform: scale(1.1) rotate(-6deg);
}

/* ── Navbar link animated underline ─────────── */
.navbar-nav .nav-link { position: relative; }
.navbar-nav .nav-link:not(.active)::after {
  content: '';
  position: absolute; bottom: 3px; left: 14px; right: 14px;
  height: 2px;
  background: linear-gradient(90deg, var(--blue), var(--green));
  border-radius: 1px;
  transform: scaleX(0);
  transition: transform var(--t-fast) var(--ease);
}
.navbar-nav .nav-link:hover::after { transform: scaleX(1); }

/* ── Stats section shimmer overlay ──────────── */
.stats-section { position: relative; }
.stats-section::after {
  content: '';
  position: absolute; inset: 0;
  background: linear-gradient(90deg, transparent 0%, rgba(22,163,74,.04) 40%, rgba(22,163,74,.03) 60%, transparent 100%);
  pointer-events: none;
  animation: stat-shimmer 8s ease-in-out infinite alternate;
}
@keyframes stat-shimmer {
  from { opacity: 0; }
  to   { opacity: 1; }
}

/* ── Proc card number bounce ─────────────────── */
.proc-card { cursor: default; }
.proc-card:hover .proc-num { animation: num-bounce .35s var(--ease-out); }
@keyframes num-bounce {
  0%   { transform: scale(1.08); }
  40%  { transform: scale(1.15) translateY(-3px); }
  100% { transform: scale(1.08); }
}

/* ── Accordion slide hover ───────────────────── */
.accordion-item { transition: transform var(--t-fast) var(--ease) !important; }
.accordion-item:hover { transform: translateX(4px); }

/* ── Trust item icon pop ─────────────────────── */
.trust-item-icon { transition: all var(--t-mid) var(--ease); }
.trust-item:hover .trust-item-icon { transform: scale(1.1) rotate(-5deg); }

/* ── Loan form top gradient ──────────────────── */
.loan-form-top {
  background: linear-gradient(135deg, #16A34A, #E11D48) !important;
}

/* ── Page hero more vivid ────────────────────── */
.page-hero {
  background: linear-gradient(145deg, #052E16 0%, #166534 50%, #14532D 100%) !important;
}
.page-hero::before {
  background:
    radial-gradient(circle at 20% 30%, rgba(22,163,74,.28), transparent 28%),
    radial-gradient(circle at 80% 20%, rgba(22,163,74,.22), transparent 24%),
    radial-gradient(circle at 55% 85%, rgba(22,163,74,.1), transparent 30%) !important;
}

/* ── CTA section more vivid ──────────────────── */
.cta-section::before {
  background:
    radial-gradient(ellipse 75% 100% at 85% 50%, rgba(22,163,74,.28), transparent 60%),
    radial-gradient(ellipse 55% 90% at 10% 50%,  rgba(22,163,74,.14), transparent 60%) !important;
}

/* ── Notification toast polish ───────────────── */
.notification { border-left: 4px solid var(--blue); }
.notification.success { border-left-color: var(--green); }
.notification.error   { border-left-color: var(--red); }

/* ── Service detail image ────────────────────── */
.sd-img {
  border-radius: var(--r-xl);
  overflow: hidden;
  margin-bottom: 20px;
  aspect-ratio: 16 / 9;
  box-shadow: var(--shadow-lg);
}
.sd-img img {
  width: 100%; height: 100%;
  object-fit: cover; display: block;
  transition: transform var(--t-slow) var(--ease);
}
.sd-img:hover img { transform: scale(1.04); }

/* ── Service card image (index) ──────────────── */
.srv2-img {
  border-radius: var(--r-md);
  overflow: hidden;
  margin: -32px -28px 20px;
  aspect-ratio: 16 / 7;
}
.srv2-img img {
  width: 100%; height: 100%;
  object-fit: cover; display: block;
  transition: transform var(--t-slow) var(--ease);
}
.srv2-card:hover .srv2-img img { transform: scale(1.05); }

/* ── About team grid ─────────────────────────── */
.team-photo-grid {
  display: grid; grid-template-columns: repeat(3, 1fr);
  gap: 16px; margin-top: 40px;
}
@media (max-width: 600px) { .team-photo-grid { grid-template-columns: 1fr 1fr; } }
.team-photo-item {
  border-radius: var(--r-lg);
  overflow: hidden;
  aspect-ratio: 4/5;
  box-shadow: var(--shadow-md);
}
.team-photo-item img {
  width: 100%; height: 100%;
  object-fit: cover; display: block;
  transition: transform var(--t-slow) var(--ease);
}
.team-photo-item:hover img { transform: scale(1.05); }

/* ==============================================
   NOUVELLE STRUCTURE - FortisKrediet v2
   ============================================== */

.hero-v2 {
  min-height: 100vh; background: #fff;
  display: grid; grid-template-columns: 1fr 1fr;
  padding-top: 72px; position: relative; overflow: hidden;
}
@media (max-width: 991px) { .hero-v2 { grid-template-columns: 1fr; min-height: auto; } }
.hero-v2-left {
  display: flex; flex-direction: column; justify-content: center;
  padding: 80px 64px 80px 40px; position: relative; z-index: 2;
}
@media (max-width: 1199px) { .hero-v2-left { padding: 60px 40px 60px 24px; } }
@media (max-width: 991px) { .hero-v2-left { padding: 60px 24px 40px; text-align: center; align-items: center; } }
.hero-v2-eyebrow {
  display: inline-flex; align-items: center; gap: 8px;
  font-size: .72rem; font-weight: 700; text-transform: uppercase; letter-spacing: .12em;
  color: var(--blue); background: var(--blue-soft);
  padding: 5px 14px 5px 10px; border-radius: var(--r-full); margin-bottom: 28px;
}
.hero-v2-eyebrow-dot { width: 7px; height: 7px; border-radius: 50%; background: var(--blue); animation: pulse-glow 2.5s ease-in-out infinite; }
.hero-v2-h1 { font-size: clamp(2.5rem,4.5vw,4rem); font-weight: 900; line-height: 1.06; letter-spacing: -.045em; color: var(--ink); margin-bottom: 22px; }
.hero-v2-h1 .grad { background: linear-gradient(90deg, var(--blue) 0%, var(--violet) 100%); -webkit-background-clip: text; -webkit-text-fill-color: transparent; background-clip: text; }
.hero-v2-sub { font-size: 1.05rem; color: var(--text-soft); line-height: 1.75; max-width: 460px; margin-bottom: 40px; }
.hero-v2-actions { display: flex; gap: 12px; flex-wrap: wrap; margin-bottom: 48px; }
@media (max-width: 991px) { .hero-v2-actions { justify-content: center; } }
.hero-v2-trust { display: flex; align-items: center; gap: 24px; flex-wrap: wrap; padding-top: 32px; border-top: 1px solid var(--border-light); }
.hero-v2-trust-item { display: flex; align-items: center; gap: 7px; font-size: .8rem; font-weight: 600; color: var(--text-soft); }
.hero-v2-trust-item i { color: var(--blue); font-size: .8rem; }
.hero-v2-right {
  background: linear-gradient(145deg, #F0FDF4 0%, #DCFCE7 40%, #ECFDF5 100%);
  position: relative; overflow: hidden;
  display: flex; align-items: center; justify-content: center;
  padding: 100px 48px 60px; min-height: 600px;
}
@media (max-width: 991px) { .hero-v2-right { padding: 40px 24px 60px; min-height: 480px; } }
.hero-calc-card {
  background: #fff; border-radius: var(--r-xl);
  box-shadow: 0 24px 60px rgba(7,26,13,.14), 0 4px 16px rgba(7,26,13,.06);
  padding: 36px 32px; width: 100%; max-width: 380px;
  position: relative; z-index: 2; animation: hero-float 7s ease-in-out infinite;
}
.hero-calc-header { display: flex; align-items: center; justify-content: space-between; margin-bottom: 28px; }
.hero-calc-brand { display: flex; align-items: center; gap: 8px; font-weight: 800; font-size: .9rem; color: var(--ink); letter-spacing: -.02em; }
.hero-calc-brand-dot { width: 26px; height: 26px; background: linear-gradient(135deg, var(--blue), var(--violet)); border-radius: 7px; display: flex; align-items: center; justify-content: center; font-size: .65rem; font-weight: 900; color: #fff; }
.hero-calc-badge { font-size: .7rem; font-weight: 700; color: var(--blue); background: var(--blue-soft); padding: 3px 10px; border-radius: var(--r-full); display: flex; align-items: center; gap: 4px; }
.hero-calc-badge::before { content: ""; width: 5px; height: 5px; border-radius: 50%; background: var(--blue); }
.hero-calc-label { font-size: .72rem; font-weight: 600; text-transform: uppercase; letter-spacing: .08em; color: var(--muted-light); margin-bottom: 6px; }
.hero-calc-amount { font-size: 2.4rem; font-weight: 900; color: var(--ink); letter-spacing: -.06em; margin-bottom: 2px; }
.hero-calc-range { width: 100%; -webkit-appearance: none; height: 5px; border-radius: 3px; background: linear-gradient(to right, var(--blue) 0%, var(--blue) 40%, var(--border) 40%); outline: none; cursor: pointer; margin: 14px 0 6px; }
.hero-calc-range::-webkit-slider-thumb { -webkit-appearance: none; width: 20px; height: 20px; border-radius: 50%; background: var(--blue); box-shadow: 0 2px 8px rgba(22,163,74,.4); cursor: pointer; }
.hero-calc-hints { display: flex; justify-content: space-between; font-size: .7rem; color: var(--muted-light); margin-bottom: 20px; }
.hero-calc-divider { height: 1px; background: var(--border-light); margin: 20px 0; }
.hero-calc-row { display: flex; justify-content: space-between; align-items: center; font-size: .84rem; padding: 8px 0; }
.hero-calc-row .k { color: var(--text-soft); }
.hero-calc-row .v { font-weight: 700; color: var(--ink); }
.hero-calc-row .v.accent { color: var(--blue); font-size: 1rem; }
.hero-calc-cta { display: block; width: 100%; background: linear-gradient(135deg, var(--blue), var(--violet)); color: #fff; font-weight: 700; font-size: .9rem; text-align: center; padding: 14px; border-radius: var(--r-full); margin-top: 22px; text-decoration: none; box-shadow: 0 8px 24px rgba(22,163,74,.3); transition: transform var(--t-mid) var(--ease), box-shadow var(--t-mid) var(--ease); }
.hero-calc-cta:hover { transform: translateY(-2px); box-shadow: 0 14px 36px rgba(22,163,74,.4); color: #fff; }
.hero-calc-note { text-align: center; font-size: .68rem; color: var(--muted-light); margin-top: 10px; }
.hero-v2-badge { position: absolute; background: #fff; border-radius: var(--r-md); padding: 10px 14px; box-shadow: var(--shadow-lg); display: flex; align-items: center; gap: 9px; font-size: .76rem; font-weight: 600; color: var(--ink); z-index: 3; }
.hero-v2-badge.top-left { top: 100px; left: 16px; animation: badge-bob 4.5s ease-in-out infinite; }
.hero-v2-badge.bot-right { bottom: 80px; right: 16px; animation: badge-bob 5s ease-in-out infinite .8s; }
.hero-v2-badge-icon { width: 30px; height: 30px; border-radius: 8px; display: flex; align-items: center; justify-content: center; font-size: .85rem; }
.hero-v2-badge-icon.g { background: var(--green-soft); color: var(--green); }
.hero-v2-badge-icon.r { background: var(--violet-soft); color: var(--violet); }

/* Stats light */
.stats-light { background: var(--white); border-top: 1px solid var(--border-light); border-bottom: 1px solid var(--border-light); padding: 56px 0; }
.stats-light-grid { display: grid; grid-template-columns: repeat(4, 1fr); }
@media (max-width: 767px) { .stats-light-grid { grid-template-columns: repeat(2, 1fr); gap: 32px 0; } }
.stats-light-item { text-align: center; padding: 0 24px; border-right: 1px solid var(--border-light); }
.stats-light-item:last-child { border-right: none; }
.stats-light-num { font-size: 2.5rem; font-weight: 900; letter-spacing: -.06em; background: linear-gradient(135deg, var(--blue) 0%, var(--violet) 100%); -webkit-background-clip: text; -webkit-text-fill-color: transparent; background-clip: text; line-height: 1; margin-bottom: 8px; display: block; }
.stats-light-label { font-size: .8rem; font-weight: 500; color: var(--text-soft); }

/* Services alternating */
.srv-alt-section { padding: 100px 0; }
.srv-alt-row { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: center; padding: 64px 0; border-bottom: 1px solid var(--border-light); }
.srv-alt-row:first-child { padding-top: 0; }
.srv-alt-row:last-child { border-bottom: none; padding-bottom: 0; }
.srv-alt-row.reverse .srv-alt-img { order: 2; }
.srv-alt-row.reverse .srv-alt-content { order: 1; }
@media (max-width: 767px) { .srv-alt-row { grid-template-columns: 1fr; gap: 32px; } .srv-alt-row.reverse .srv-alt-img { order: 0; } .srv-alt-row.reverse .srv-alt-content { order: 0; } }
.srv-alt-img { border-radius: var(--r-xl); overflow: hidden; aspect-ratio: 4/3; box-shadow: var(--shadow-lg); position: relative; }
.srv-alt-img img { width: 100%; height: 100%; object-fit: cover; display: block; transition: transform var(--t-slow) var(--ease); }
.srv-alt-img:hover img { transform: scale(1.04); }
.srv-alt-img-badge { position: absolute; bottom: 16px; left: 16px; background: #fff; border-radius: var(--r-sm); padding: 8px 14px; font-size: .78rem; font-weight: 700; color: var(--blue); box-shadow: var(--shadow-md); display: flex; align-items: center; gap: 6px; }
.srv-alt-icon { width: 52px; height: 52px; border-radius: var(--r-md); background: var(--blue-soft); color: var(--blue); display: flex; align-items: center; justify-content: center; font-size: 1.3rem; margin-bottom: 20px; }
.srv-alt-icon.red { background: var(--violet-soft); color: var(--violet); }
.srv-alt-content h3 { font-size: 1.6rem; font-weight: 800; letter-spacing: -.035em; margin-bottom: 14px; }
.srv-alt-content p { font-size: .9375rem; color: var(--text-soft); line-height: 1.75; margin-bottom: 20px; }
.srv-alt-features { list-style: none; padding: 0; margin: 0 0 28px; display: flex; flex-direction: column; gap: 8px; }
.srv-alt-features li { display: flex; align-items: center; gap: 10px; font-size: .875rem; font-weight: 500; color: var(--text-soft); }
.srv-alt-features li i { color: var(--blue); font-size: .8rem; flex-shrink: 0; }
.srv-alt-link { display: inline-flex; align-items: center; gap: 8px; font-size: .875rem; font-weight: 700; color: var(--blue); transition: gap var(--t-fast) var(--ease); }
.srv-alt-link:hover { gap: 12px; color: var(--blue-mid); }

/* Process horizontal */
.process-h { display: grid; grid-template-columns: repeat(4, 1fr); position: relative; padding-top: 40px; }
@media (max-width: 767px) { .process-h { grid-template-columns: 1fr 1fr; gap: 40px 20px; } }
.process-h::before { content: ""; position: absolute; top: 24px; left: 12.5%; right: 12.5%; height: 2px; background: linear-gradient(90deg, var(--blue) 0%, var(--violet) 100%); opacity: .2; }
@media (max-width: 767px) { .process-h::before { display: none; } }
.proc-h-item { display: flex; flex-direction: column; align-items: center; text-align: center; padding: 0 16px; }
.proc-h-num { width: 48px; height: 48px; border-radius: 50%; background: linear-gradient(135deg, var(--blue), var(--violet)); color: #fff; font-size: .9rem; font-weight: 800; display: flex; align-items: center; justify-content: center; box-shadow: 0 4px 16px rgba(22,163,74,.3); margin-bottom: 20px; position: relative; z-index: 1; }
.proc-h-item h5 { font-size: .925rem; font-weight: 700; margin-bottom: 8px; }
.proc-h-item p { font-size: .82rem; color: var(--text-soft); line-height: 1.65; }

/* CTA vivid */
.cta-vivid { background: linear-gradient(135deg, #052E16 0%, #166534 50%, #14532D 100%); border-radius: var(--r-2xl); margin: 0 24px; padding: 80px 72px; position: relative; overflow: hidden; }
@media (max-width: 767px) { .cta-vivid { padding: 48px 32px; margin: 0 16px; } }
.cta-vivid::before { content: ""; position: absolute; top: -80px; right: -80px; width: 400px; height: 400px; border-radius: 50%; background: radial-gradient(circle, rgba(225,29,72,.22) 0%, transparent 65%); pointer-events: none; }
.cta-vivid::after { content: ""; position: absolute; bottom: -60px; left: -60px; width: 280px; height: 280px; border-radius: 50%; background: radial-gradient(circle, rgba(22,163,74,.15) 0%, transparent 70%); pointer-events: none; }
.cta-vivid h2 { color: #fff; font-size: clamp(1.75rem,3vw,2.75rem); margin-bottom: 14px; position: relative; z-index: 1; }
.cta-vivid p { color: rgba(255,255,255,.65); font-size: 1rem; margin-bottom: 36px; position: relative; z-index: 1; }
.cta-vivid-actions { display: flex; gap: 14px; flex-wrap: wrap; position: relative; z-index: 1; }
.cta-chip-row { display: flex; gap: 10px; flex-wrap: wrap; margin-top: 32px; position: relative; z-index: 1; }
.cta-chip { display: flex; align-items: center; gap: 6px; font-size: .75rem; font-weight: 600; color: rgba(255,255,255,.75); background: rgba(255,255,255,.08); border: 1px solid rgba(255,255,255,.12); padding: 6px 14px; border-radius: var(--r-full); }

/* Footer dark green */
footer { background: #052E16 !important; }
.foot-mark { background: linear-gradient(135deg, var(--blue), var(--violet)) !important; }

/* ==============================================
   FORMULIER — éléments de conformité
   ============================================== */
.form-section-title {
  display: flex; align-items: center; gap: 8px;
  font-size: .75rem; font-weight: 700; text-transform: uppercase;
  letter-spacing: .08em; color: var(--blue);
  margin: 28px 0 16px; padding-bottom: 8px;
  border-bottom: 1px solid var(--border-light);
}
.form-section-title i { font-size: .7rem; }

/* Simulateur APR représentatif */
.apr-example-box {
  background: var(--surface);
  border: 1px solid var(--border-light);
  border-left: 3px solid var(--blue);
  border-radius: var(--r-md);
  padding: 16px 18px;
  margin: 20px 0;
}
.apr-example-title {
  font-size: .75rem; font-weight: 700; color: var(--blue);
  text-transform: uppercase; letter-spacing: .06em;
  margin-bottom: 12px; display: flex; align-items: center; gap: 6px;
}
.apr-example-row {
  display: flex; justify-content: space-between; align-items: center;
  font-size: .82rem; color: var(--text-soft);
  padding: 5px 0; border-bottom: 1px solid var(--border-light);
}
.apr-example-row:last-of-type { border-bottom: none; }
.apr-example-row.highlight { color: var(--ink); font-weight: 700; }
.apr-example-row.highlight span:last-child { color: var(--blue); font-size: .9rem; }
.apr-example-note {
  font-size: .7rem; color: var(--muted-light); line-height: 1.55;
  margin-top: 10px; padding-top: 8px; border-top: 1px solid var(--border-light);
}

/* Avertissement légal */
.legal-warning-box {
  display: flex; align-items: flex-start; gap: 10px;
  background: #FFF7ED; border: 1px solid #FED7AA;
  border-radius: var(--r-md); padding: 12px 16px;
  font-size: .8rem; color: #92400E; line-height: 1.55;
  margin-bottom: 20px;
}
.legal-warning-box i { color: #D97706; margin-top: 2px; flex-shrink: 0; }