/* DESIGN SYSTEM */
:root {
  --primary: #0E1B4D;
  --accent: #C6F24E;
  --accent-hover: #b8e343;
  --bg-white: #FFFFFF;
  --bg-light: #FAFAFA;
  --bg-dark: #0E1B4D;
  --text-dark: #1A1A2E;
  --text-body: #4B5563;
  --text-light: #6B7280;
  --text-white: #FFFFFF;
  --border: #E5E7EB;
  --border-light: #F3F4F6;
  --shadow-sm: 0 2px 8px rgba(14,27,77,0.06);
  --shadow-md: 0 4px 20px rgba(14,27,77,0.08);
  --shadow-lg: 0 8px 40px rgba(14,27,77,0.12);
  --radius-sm: 8px;
  --radius-md: 12px;
  --radius-lg: 16px;
  --radius-full: 50px;
  --font: 'Inter', sans-serif;
  --transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
  --max-width: 1200px;
}

/* 1. RESET & BASE */
*, *::before, *::after {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

html {
  scroll-behavior: smooth;
  scroll-padding-top: 80px;
  overflow-x: hidden;
}

body {
  font-family: var(--font);
  color: var(--text-body);
  background-color: var(--bg-white);
  line-height: 1.7;
  font-size: 16px;
  overflow-x: hidden;
}

img {
  max-width: 100%;
  display: block;
}

a {
  text-decoration: none;
  color: inherit;
  transition: var(--transition);
}

/* 2. UTILITY CLASSES */
.container {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 24px;
}

.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 32px;
  border-radius: var(--radius-full);
  font-weight: 600;
  font-size: 16px;
  cursor: pointer;
  transition: var(--transition);
  border: none;
}

.btn--primary {
  background-color: var(--accent);
  color: var(--primary);
}

.btn--primary:hover {
  background-color: var(--accent-hover);
  transform: translateY(-2px);
  box-shadow: var(--shadow-md);
}

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

.btn--outline:hover {
  background-color: var(--primary);
  color: var(--text-white);
}

.btn--full {
  width: 100%;
}

.section-header {
  text-align: center;
  margin-bottom: 60px;
  max-width: 640px;
  margin-left: auto;
  margin-right: auto;
}

.section-tag {
  text-transform: uppercase;
  font-size: 13px;
  font-weight: 700;
  letter-spacing: 3px;
  color: #3d7a0a;
  margin-bottom: 12px;
  display: inline-block;
  background-color: rgba(198, 242, 78, 0.15);
  padding: 6px 16px;
  border-radius: var(--radius-full);
}

.section-title {
  font-size: 40px;
  font-weight: 700;
  color: var(--primary);
  line-height: 1.2;
  margin-bottom: 16px;
}

.section-subtitle {
  color: var(--text-light);
  font-size: 17px;
  line-height: 1.7;
}

.highlight {
  color: #3d7a0a;
}

/* 3. HEADER */
.header {
  position: fixed;
  top: 0;
  left: 0;
  right: 0;
  z-index: 1000;
  background-color: rgba(255, 255, 255, 0.95);
  backdrop-filter: blur(12px);
  transition: var(--transition);
  border-bottom: 1px solid transparent;
}

.header.scrolled {
  border-bottom-color: var(--border);
  box-shadow: var(--shadow-sm);
}

.header__container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 16px 24px;
}

.header__logo {
  font-size: 24px;
  font-weight: 700;
  text-decoration: none;
}

.logo-trust {
  color: var(--primary);
}

.logo-fin {
  color: var(--accent);
}

.logo-capital {
  color: var(--text-light);
  font-weight: 400;
  font-size: 18px;
  margin-left: 2px;
}

.header__nav-list {
  display: flex;
  list-style: none;
  gap: 32px;
}

.header__nav-list a {
  color: var(--text-body);
  font-weight: 500;
  font-size: 15px;
  position: relative;
  transition: var(--transition);
}

.header__nav-list a:hover {
  color: var(--primary);
}

.header__nav-list a::after {
  content: "";
  position: absolute;
  width: 0;
  height: 2px;
  background-color: var(--accent);
  bottom: -4px;
  left: 0;
  transition: var(--transition);
}

.header__nav-list a:hover::after {
  width: 100%;
}

.header__hamburger {
  display: none;
  width: 32px;
  height: 32px;
  flex-direction: column;
  justify-content: center;
  gap: 5px;
  background-color: transparent;
  border: none;
  cursor: pointer;
}

.header__hamburger span {
  height: 2px;
  width: 100%;
  background-color: var(--primary);
  border-radius: 2px;
  transition: var(--transition);
  display: block;
}

.header__hamburger.active span:nth-child(1) {
  transform: translateY(7px) rotate(45deg);
}

.header__hamburger.active span:nth-child(2) {
  opacity: 0;
}

.header__hamburger.active span:nth-child(3) {
  transform: translateY(-7px) rotate(-45deg);
}

.mobile-menu {
  display: none;
  position: fixed;
  top: 72px;
  left: 0;
  right: 0;
  background-color: var(--bg-white);
  box-shadow: var(--shadow-lg);
  padding: 24px;
  transform: translateY(-10px);
  opacity: 0;
  transition: var(--transition);
}

.mobile-menu.active {
  display: block;
  transform: translateY(0);
  opacity: 1;
}

.mobile-menu__list {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 0;
}

.mobile-menu__list a {
  display: block;
  padding: 16px 0;
  font-size: 18px;
  font-weight: 500;
  border-bottom: 1px solid var(--border);
}

/* 4. HERO SECTION (DARK REDESIGN) */
.hero--dark {
  padding-top: 140px;
  padding-bottom: 100px;
  background-color: var(--bg-dark);
  position: relative;
  overflow: hidden;
  text-align: center;
}

.hero__bg-elements {
  position: absolute;
  top: 0; left: 0; right: 0; bottom: 0;
  overflow: hidden;
  pointer-events: none;
}

.hero__glow-orb {
  position: absolute;
  border-radius: 50%;
  filter: blur(100px);
  opacity: 0.15;
}

.hero__glow-orb--1 {
  width: 600px;
  height: 600px;
  background-color: var(--accent);
  top: -200px;
  left: -100px;
}

.hero__glow-orb--2 {
  width: 500px;
  height: 500px;
  background-color: #3b82f6; /* Subtle secondary glow */
  bottom: -150px;
  right: -100px;
}

.hero__container--centered {
  display: flex;
  flex-direction: column;
  align-items: center;
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 24px;
  position: relative;
  z-index: 2;
}

.hero__content-wrapper {
  max-width: 800px;
  margin-bottom: 60px;
}

.hero__badge--dark {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background-color: rgba(198, 242, 78, 0.1);
  border: 1px solid rgba(198, 242, 78, 0.2);
  color: var(--accent);
  font-size: 14px;
  font-weight: 600;
  padding: 8px 16px;
  border-radius: var(--radius-full);
  margin-bottom: 32px;
}

.hero__title--dark {
  font-size: 64px;
  font-weight: 700;
  color: var(--text-white);
  line-height: 1.1;
  margin-bottom: 24px;
  letter-spacing: -1px;
}

.highlight-accent {
  color: var(--accent);
}

.hero__subtitle--dark {
  font-size: 20px;
  color: rgba(255,255,255,0.7);
  line-height: 1.6;
  margin-bottom: 40px;
  max-width: 650px;
  margin-left: auto;
  margin-right: auto;
}

.hero__ctas-centered {
  display: flex;
  gap: 16px;
  justify-content: center;
  flex-wrap: wrap;
}

.btn--outline-light {
  background-color: transparent;
  border: 2px solid rgba(255,255,255,0.2);
  color: var(--text-white);
  padding: 14px 32px;
  border-radius: var(--radius-full);
  font-weight: 600;
  font-size: 16px;
  transition: var(--transition);
}

.btn--outline-light:hover {
  background-color: rgba(255,255,255,0.1);
  border-color: rgba(255,255,255,0.4);
}

.hero__glass-stats {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  width: 100%;
  max-width: 900px;
  background: rgba(255, 255, 255, 0.03);
  backdrop-filter: blur(20px);
  -webkit-backdrop-filter: blur(20px);
  border: 1px solid rgba(255, 255, 255, 0.1);
  border-radius: var(--radius-lg);
  padding: 32px;
  box-shadow: 0 20px 40px rgba(0,0,0,0.2);
}

.glass-stat {
  display: flex;
  align-items: center;
  gap: 16px;
  text-align: left;
}

.glass-stat__icon {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 56px;
  height: 56px;
  background-color: rgba(198, 242, 78, 0.15);
  color: var(--accent);
  border-radius: var(--radius-md);
  flex-shrink: 0;
}

.glass-stat__icon svg {
  width: 28px;
  height: 28px;
}

.glass-stat__info {
  display: flex;
  flex-direction: column;
}

.glass-stat__num {
  font-size: 28px;
  font-weight: 700;
  color: var(--text-white);
  line-height: 1.2;
}

.glass-stat__text {
  font-size: 14px;
  color: rgba(255,255,255,0.6);
  margin-top: 4px;
}

@keyframes float {
  0%, 100% { transform: translateY(0); }
  50% { transform: translateY(-10px); }
}

/* 5. FEATURES SECTION */
.features {
  padding: 100px 0;
  background-color: var(--bg-light);
}

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

.feature-card {
  background-color: var(--bg-white);
  border-radius: var(--radius-md);
  padding: 36px 28px;
  transition: var(--transition);
  border: 1px solid var(--border-light);
}

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

.feature-card__icon {
  width: 52px;
  height: 52px;
  border-radius: var(--radius-sm);
  background-color: rgba(198, 242, 78, 0.12);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
  color: var(--accent);
}

.feature-card__icon svg {
  width: 24px;
  height: 24px;
}

.feature-card__title {
  font-size: 19px;
  font-weight: 600;
  color: var(--primary);
  margin-bottom: 10px;
}

.feature-card__text {
  color: var(--text-light);
  font-size: 15px;
  line-height: 1.65;
}

/* 6. LOAN TYPES SECTION */
.loans {
  padding: 100px 0;
  background-color: var(--bg-white);
}

.loans__grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 24px;
}

.loan-card {
  background-color: var(--bg-white);
  border: 1px solid var(--border);
  border-radius: var(--radius-md);
  padding: 32px 24px;
  text-align: center;
  transition: var(--transition);
}

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

.loan-card__icon {
  width: 64px;
  height: 64px;
  border-radius: 50%;
  background-color: var(--primary);
  color: var(--accent);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 20px;
}

.loan-card__icon svg {
  width: 28px;
  height: 28px;
}

.loan-card__title {
  font-size: 18px;
  font-weight: 600;
  color: var(--primary);
  margin-bottom: 10px;
}

.loan-card__text {
  font-size: 14px;
  color: var(--text-light);
  line-height: 1.6;
  margin-bottom: 16px;
}

.loan-card__link {
  font-size: 14px;
  font-weight: 600;
  color: var(--accent);
  display: inline-flex;
  align-items: center;
  gap: 4px;
  transition: var(--transition);
}

.loan-card__link:hover {
  gap: 8px;
}

/* 7. HOW IT WORKS / PROCESS */
.process {
  padding: 100px 0;
  background-color: var(--bg-light);
}

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

.process__line {
  position: absolute;
  top: 50px;
  left: 12%;
  right: 12%;
  height: 2px;
  background-color: var(--border);
  z-index: 0;
  border-top: 2px dashed var(--border);
  background: transparent;
}

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

.process__step-number {
  font-size: 14px;
  font-weight: 700;
  color: var(--accent);
  margin-bottom: 16px;
  letter-spacing: 1px;
}

.process__step-icon {
  width: 80px;
  height: 80px;
  border-radius: 50%;
  background-color: var(--bg-white);
  border: 2px solid var(--accent);
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 20px;
  color: var(--primary);
  box-shadow: var(--shadow-sm);
}

.process__step-icon svg {
  width: 32px;
  height: 32px;
}

.process__step-title {
  font-size: 17px;
  font-weight: 600;
  color: var(--primary);
  margin-bottom: 8px;
}

.process__step-text {
  font-size: 14px;
  color: var(--text-light);
  line-height: 1.6;
}

/* 8. EMI CALCULATOR */
.calculator {
  padding: 100px 0;
  background-color: var(--bg-light);
}

.calculator .section-header {
  text-align: center;
}

.calculator__container {
  max-width: 900px;
  margin: 0 auto;
  background-color: var(--bg-white);
  border-radius: var(--radius-lg);
  padding: 56px 64px;
  box-shadow: 0 24px 48px rgba(0, 0, 0, 0.06);
  border: 1px solid rgba(0,0,0,0.03);
}

.calculator__results-top {
  display: flex;
  flex-direction: column;
  gap: 32px;
  margin-bottom: 48px;
  padding-bottom: 48px;
  border-bottom: 1px solid var(--border);
}

.calculator__emi-box {
  text-align: center;
}

.calculator__emi-label {
  font-size: 13px;
  font-weight: 700;
  color: var(--text-light);
  text-transform: uppercase;
  letter-spacing: 1px;
}

.calculator__emi-value {
  font-size: 48px;
  font-weight: 800;
  color: var(--primary);
  margin-top: 8px;
  text-shadow: 0 4px 12px rgba(14, 27, 77, 0.1);
}

.calculator__breakdown-bar {
  display: flex;
  height: 12px;
  border-radius: 6px;
  overflow: hidden;
  background-color: var(--border);
}

.bar-segment {
  height: 100%;
  transition: width 0.3s ease;
}

.bar-principal {
  background-color: var(--primary);
}

.bar-interest {
  background-color: var(--accent);
}

.calculator__legend {
  display: flex;
  justify-content: space-between;
  gap: 16px;
  flex-wrap: wrap;
}

.legend-item {
  display: flex;
  flex-direction: column;
  gap: 8px;
  flex: 1;
}

.legend-label {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 14px;
  color: var(--text-light);
}

.legend-item strong {
  font-size: 18px;
  color: var(--primary);
}

.dot {
  width: 10px;
  height: 10px;
  border-radius: 50%;
}

.dot-principal {
  background-color: var(--primary);
}

.dot-interest {
  background-color: var(--accent);
}

.calculator__inputs {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
  margin-bottom: 48px;
}

@media (max-width: 768px) {
  .calculator__inputs {
    grid-template-columns: 1fr;
    gap: 24px;
  }
  .calculator__container {
    padding: 32px 24px;
  }
  .calculator__legend {
    flex-direction: column;
  }
}

.calculator__field-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 12px;
}

.calculator__field-header label {
  font-size: 14px;
  font-weight: 600;
  color: var(--text-body);
}

.calculator__input-wrapper {
  display: flex;
  align-items: center;
  background-color: rgba(198, 242, 78, 0.2);
  border: 1px solid rgba(198, 242, 78, 0.4);
  border-radius: 8px;
  padding: 4px 12px;
  transition: var(--transition);
  flex: 1; /* Allow wrapper to grow */
  max-width: 180px; /* But cap it */
  justify-content: flex-end; /* Align contents to right */
}

.calculator__input-wrapper:focus-within {
  border-color: var(--primary);
  background-color: rgba(198, 242, 78, 0.3);
}

.calculator__input-wrapper .prefix,
.calculator__input-wrapper .suffix {
  font-size: 14px;
  font-weight: 700;
  color: var(--primary);
  white-space: nowrap; /* Prevent wrapping like % p.a. */
}

.calculator__number-input {
  width: 100%; /* Fill available space */
  max-width: 110px;
  border: none;
  background: transparent;
  font-size: 15px;
  font-weight: 700;
  color: var(--primary);
  text-align: right;
  outline: none;
  font-family: var(--font);
  -moz-appearance: textfield;
}

.calculator__number-input::-webkit-outer-spin-button,
.calculator__number-input::-webkit-inner-spin-button {
  -webkit-appearance: none;
  margin: 0;
}

/* Custom Range Slider */
.calculator__field input[type=range] {
  width: 100%;
  height: 6px;
  appearance: none;
  background-color: var(--border);
  border-radius: 3px;
  outline: none;
  margin: 12px 0;
}

.calculator__field input[type=range]::-webkit-slider-thumb {
  appearance: none;
  width: 24px;
  height: 24px;
  border-radius: 50%;
  background-color: var(--accent);
  cursor: pointer;
  border: 4px solid var(--primary);
  box-shadow: 0 4px 8px rgba(0,0,0,0.15);
  transition: transform 0.2s;
}

.calculator__field input[type=range]::-webkit-slider-thumb:hover {
  transform: scale(1.15);
}

.calculator__field input[type=range]::-moz-range-thumb {
  width: 24px;
  height: 24px;
  border-radius: 50%;
  background-color: var(--accent);
  cursor: pointer;
  border: 4px solid var(--primary);
  box-shadow: 0 4px 8px rgba(0,0,0,0.15);
}

.calculator__field-values {
  display: flex;
  justify-content: space-between;
  font-size: 12px;
  color: var(--text-light);
  margin-top: 8px;
}

.calculator__action {
  text-align: center;
}

/* 9. ABOUT SECTION */
.about {
  padding: 100px 0;
  background-color: var(--bg-light);
}

.about__container {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
}

.about__content p {
  margin-bottom: 16px;
  line-height: 1.7;
}

.about__stats {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
}

.about__stat-card {
  background-color: var(--bg-white);
  border-radius: var(--radius-md);
  padding: 32px 24px;
  text-align: center;
  box-shadow: var(--shadow-sm);
  border: 1px solid var(--border-light);
}

.about__stat-number {
  font-size: 42px;
  font-weight: 700;
  color: var(--primary);
  display: inline;
}

.about__stat-card span {
  font-size: 42px;
  font-weight: 700;
  color: var(--accent);
}

.about__stat-card p {
  font-size: 14px;
  color: var(--text-light);
  margin-top: 4px;
}

/* 10. TESTIMONIALS */
.testimonials {
  padding: 100px 0;
  background-color: var(--bg-white);
}

.testimonials__grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 24px;
}

.testimonial-card {
  background-color: var(--bg-light);
  border-radius: var(--radius-md);
  padding: 32px;
  border: 1px solid var(--border-light);
  transition: var(--transition);
}

.testimonial-card:hover {
  box-shadow: var(--shadow-md);
}

.testimonial-card__stars {
  display: flex;
  gap: 4px;
  margin-bottom: 16px;
  color: #F59E0B;
}

.testimonial-card__stars svg {
  width: 18px;
  height: 18px;
  fill: currentColor;
}

.testimonial-card__text {
  font-size: 15px;
  color: var(--text-body);
  line-height: 1.7;
  margin-bottom: 20px;
  font-style: italic;
}

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

.testimonial-card__avatar {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  background-color: var(--primary);
  color: var(--accent);
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-size: 16px;
}

.testimonial-card__name {
  font-weight: 600;
  font-size: 15px;
  color: var(--primary);
}

.testimonial-card__role {
  font-size: 13px;
  color: var(--text-light);
}

.testimonials__disclaimer {
  text-align: center;
  margin-top: 24px;
  font-size: 13px;
  color: var(--text-light);
  font-style: italic;
}

/* 11. FAQ */
.faq {
  padding: 100px 0;
  background-color: var(--bg-light);
}

.faq__list {
  max-width: 768px;
  margin: 0 auto;
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.faq__item {
  background-color: var(--bg-white);
  border-radius: var(--radius-md);
  border: 1px solid var(--border-light);
  overflow: hidden;
  transition: var(--transition);
}

.faq__item.active {
  border-color: var(--accent);
  box-shadow: var(--shadow-sm);
}

.faq__question {
  width: 100%;
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 20px 24px;
  background-color: transparent;
  border: none;
  cursor: pointer;
  font-size: 16px;
  font-weight: 600;
  color: var(--primary);
  text-align: left;
  gap: 16px;
}

.faq__question span {
  flex: 1;
}

.faq__icon {
  width: 20px;
  height: 20px;
  color: var(--text-light);
  transition: transform 0.3s;
  flex-shrink: 0;
}

.faq__item.active .faq__icon {
  transform: rotate(180deg);
  color: var(--accent);
}

.faq__answer {
  max-height: 0;
  overflow: hidden;
  transition: max-height 0.3s ease;
}

.faq__answer p {
  padding: 0 24px 20px;
  font-size: 15px;
  color: var(--text-light);
  line-height: 1.7;
}

.faq__item.active .faq__answer {
  max-height: 300px;
}

/* 12. CONTACT */
.contact {
  padding: 100px 0;
  background-color: #ffffff; /* pure white minimal background */
}

.contact .section-title {
  color: var(--primary);
}

.contact__container {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: start;
}

.contact__info {
  color: var(--text-body);
}

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

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

.contact__detail-item {
  display: flex;
  align-items: center;
  gap: 16px;
  color: var(--text-body);
  font-size: 15px;
}

.contact__detail-item svg {
  width: 20px;
  height: 20px;
  color: var(--accent);
}

.contact__form {
  background-color: #ffffff;
  border-radius: 12px;
  padding: 48px;
  border: 1px solid #E5E7EB;
  box-shadow: 0 4px 6px -1px rgba(0, 0, 0, 0.05), 0 2px 4px -1px rgba(0, 0, 0, 0.03); /* Soft modern shadow */
}

.form-group {
  margin-bottom: 24px;
}



.form-group label {
  display: block;
  font-size: 13px;
  font-weight: 600;
  color: var(--text-light);
  text-transform: uppercase;
  letter-spacing: 0.5px;
  margin-bottom: 8px;
}

.form-group input,
.form-group select,
.form-group textarea {
  width: 100%;
  padding: 14px 16px;
  border: 1px solid #E5E7EB;
  border-radius: 8px;
  font-family: var(--font);
  font-size: 15px;
  transition: var(--transition);
  color: var(--text-dark);
  background-color: #F9FAFB;
}

.form-group select {
  cursor: pointer;
  color: var(--text-body);
}

.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus {
  border-color: var(--primary);
  background-color: #ffffff;
  outline: none;
  box-shadow: 0 0 0 3px rgba(14, 27, 77, 0.1);
}

.form-group input.error,
.form-group select.error {
  border-color: #EF4444;
}

.form-error {
  font-size: 12px;
  color: #EF4444;
  margin-top: 4px;
  display: block;
  min-height: 16px;
}

.contact__form-note {
  font-size: 12px;
  color: var(--text-light);
  margin-top: 12px;
  text-align: center;
}

/* 13. WHATSAPP FLOAT */
.whatsapp-float {
  position: fixed;
  bottom: 24px;
  right: 24px;
  width: 56px;
  height: 56px;
  background-color: #25D366;
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  z-index: 999;
  box-shadow: 0 4px 12px rgba(37, 211, 102, 0.4);
  transition: var(--transition);
  color: var(--text-white);
}

.whatsapp-float:hover {
  transform: scale(1.1);
}

.whatsapp-float svg {
  width: 28px;
  height: 28px;
}

/* 14. FOOTER */
.footer {
  background-color: #0a1538;
  padding-top: 60px;
  color: var(--text-white);
}

.footer__container {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 24px;
}

.footer__grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 40px;
  padding-bottom: 40px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.1);
}

.footer__brand p {
  color: rgba(255, 255, 255, 0.6);
  font-size: 14px;
  margin-top: 16px;
  line-height: 1.6;
}

.footer__logo {
  font-size: 22px;
  font-weight: 700;
  text-decoration: none;
}

.footer__logo--white .logo-trust,
.footer__logo--white .logo-fin,
.footer__logo--white .logo-capital {
  color: var(--text-white) !important;
}

.footer__social {
  display: flex;
  gap: 12px;
  margin-top: 20px;
}

.footer__social a {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background-color: rgba(255, 255, 255, 0.1);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--text-white);
  transition: var(--transition);
}

.footer__social a:hover {
  background-color: var(--accent);
  color: var(--primary);
}

.footer__social svg {
  width: 18px;
  height: 18px;
}

.footer__links h4 {
  font-size: 16px;
  font-weight: 600;
  margin-bottom: 20px;
  color: var(--text-white);
}

.footer__links ul {
  list-style: none;
}

.footer__links li {
  margin-bottom: 10px;
}

.footer__links a {
  font-size: 14px;
  color: rgba(255, 255, 255, 0.6);
  transition: var(--transition);
}

.footer__links a:hover {
  color: var(--accent);
}

.footer__bottom {
  display: flex;
  justify-content: space-between;
  padding: 24px 0;
  font-size: 13px;
  color: rgba(255, 255, 255, 0.4);
  flex-wrap: wrap;
  gap: 8px;
}

/* 15. TOAST NOTIFICATION */
.toast {
  position: fixed;
  bottom: 24px;
  left: 50%;
  transform: translateX(-50%) translateY(100px);
  background-color: var(--primary);
  color: var(--text-white);
  padding: 16px 24px;
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-lg);
  display: flex;
  align-items: center;
  gap: 12px;
  z-index: 10000;
  font-size: 15px;
  transition: transform 0.4s, opacity 0.4s;
  opacity: 0;
  pointer-events: none;
}

.toast.active {
  transform: translateX(-50%) translateY(0);
  opacity: 1;
  pointer-events: all;
}

.toast__close {
  background-color: transparent;
  border: none;
  color: var(--text-white);
  cursor: pointer;
  font-size: 20px;
  padding: 0 4px;
}

/* 16. HERO ENTRANCE ANIMATIONS */
@keyframes fadeUp {
  from {
    opacity: 0;
    transform: translateY(24px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

.hero__badge {
  animation: fadeUp 0.7s ease-out 0.2s both;
}

.hero__title {
  animation: fadeUp 0.7s ease-out 0.35s both;
}

.hero__subtitle {
  animation: fadeUp 0.7s ease-out 0.5s both;
}

.hero__ctas {
  animation: fadeUp 0.7s ease-out 0.65s both;
}

.hero__stats {
  animation: fadeUp 0.7s ease-out 0.8s both;
}

.hero__visual {
  animation: fadeUp 0.8s ease-out 0.5s both;
}

/* 17. SCROLL ANIMATIONS */
.reveal {
  opacity: 0;
  transform: translateY(30px);
  transition: opacity 0.6s, transform 0.6s;
}

.reveal.active {
  opacity: 1;
  transform: translateY(0);
}

.reveal:nth-child(2) { transition-delay: 0.1s; }
.reveal:nth-child(3) { transition-delay: 0.2s; }
.reveal:nth-child(4) { transition-delay: 0.3s; }
.reveal:nth-child(5) { transition-delay: 0.4s; }
.reveal:nth-child(6) { transition-delay: 0.5s; }

/* 17. RESPONSIVE MEDIA QUERIES */
@media (max-width: 1024px) {
  .hero__container {
    flex-direction: column;
    text-align: center;
  }
  .hero__content {
    max-width: 100%;
    display: flex;
    flex-direction: column;
    align-items: center;
  }
  .hero__title {
    font-size: 40px;
  }
  .hero__ctas {
    justify-content: center;
  }
  .hero__stats {
    justify-content: center;
  }
  .hero__visual {
    max-width: 450px;
  }
  .features__grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .process__steps {
    grid-template-columns: repeat(2, 1fr);
  }
  .process__line {
    display: none;
  }
  .calculator__container {
    grid-template-columns: 1fr;
  }
  .about__container {
    grid-template-columns: 1fr;
  }
  .contact__container {
    grid-template-columns: 1fr;
  }
  .footer__grid {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (max-width: 768px) {
  .header__nav {
    display: none;
  }
  .header__cta {
    display: none;
  }
  .header__hamburger {
    display: flex;
  }
  .section-title {
    font-size: 30px;
  }
  .hero__title {
    font-size: 34px;
  }
  .hero__stats {
    flex-direction: column;
    gap: 16px;
    align-items: center;
  }
  .hero__glass-stats {
    grid-template-columns: 1fr;
  }
  .features__grid {
    grid-template-columns: 1fr;
  }
  .loans__grid {
    grid-template-columns: repeat(2, 1fr);
  }
  .process__steps {
    grid-template-columns: 1fr;
    max-width: 400px;
    margin: 0 auto;
  }
  .testimonials__grid {
    grid-template-columns: 1fr;
  }
  .footer__grid {
    grid-template-columns: repeat(2, 1fr);
    gap: 24px;
  }
  .footer__links li {
    margin-bottom: 8px;
  }
  .footer__bottom {
    flex-direction: column;
    text-align: center;
    padding-bottom: 90px; /* space for whatsapp button */
    gap: 16px;
  }
}

@media (max-width: 480px) {
  .hero {
    padding-top: 100px;
  }
  .hero__title {
    font-size: 28px;
  }
  .hero__ctas {
    flex-direction: column;
    width: 100%;
  }
  .btn {
    width: 100%;
    justify-content: center;
  }
  .loans__grid {
    grid-template-columns: 1fr;
  }
  .footer__grid {
    grid-template-columns: 1fr;
  }
  .about__stats {
    grid-template-columns: 1fr;
  }
  .calculator__container {
    padding: 24px;
  }
  .contact__form {
    padding: 24px;
  }
  .loan-type-options {
    grid-template-columns: repeat(2, 1fr);
    gap: 8px;
  }
  .loan-type-card__content {
    font-size: 12px;
    padding: 12px 8px;
  }
}

/* Custom Loan Type Form Improvement */
.loan-type-options {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(140px, 1fr));
  gap: 12px;
  margin-top: 8px;
}

.loan-type-card {
  position: relative;
  cursor: pointer;
}

.loan-type-card input[type="radio"] {
  position: absolute;
  opacity: 0;
  width: 0;
  height: 0;
}

.loan-type-card__content {
  display: block;
  padding: 16px 12px;
  text-align: center;
  background-color: var(--bg-white);
  border: 1px solid var(--border);
  border-radius: var(--radius-sm);
  font-size: 14px;
  font-weight: 500;
  color: var(--text-body);
  transition: var(--transition);
  height: 100%;
  display: flex;
  align-items: center;
  justify-content: center;
}

.loan-type-card:hover .loan-type-card__content {
  border-color: var(--primary);
  background-color: rgba(198, 242, 78, 0.05);
}

.loan-type-card input[type="radio"]:checked + .loan-type-card__content {
  border-color: var(--accent);
  background-color: var(--primary);
  color: var(--bg-white);
  box-shadow: var(--shadow-md);
}

.loan-type-card input[type="radio"]:focus-visible + .loan-type-card__content {
  outline: 2px solid var(--accent);
  outline-offset: 2px;
}