*{margin:0;padding:0;box-sizing:border-box}
:root{--primary:#0f2a6b;--primary-dark:#091d4e;--accent:#1a73e8;--accent-light:#4a9af5;--gold:#52A2FF;--text:#1f2937;--text-light:#6b7280;--bg:#ffffff;--bg-light:#f8fafc;--border:#e5e7eb}

body{font-family:'Segoe UI',system-ui,-apple-system,sans-serif;color:var(--text);overflow-x:hidden}
a{text-decoration:none;transition:all .3s}
img{max-width:100%}

/* TOP BAR */
.top-bar{background:#091d4e;padding:6px 0;font-size:13px;color:rgba(255,255,255,.8);position:fixed;top:0;left:0;right:0;z-index:1001}
.top-bar a{color:rgba(255,255,255,.8);text-decoration:none;transition:color .3s}
.top-bar a:hover{color:#66BDFF}
.top-bar-divider{color:rgba(255,255,255,.3);margin:0 12px}
.top-bar-left a,.top-bar-right a{margin:0 4px}

/* NAVBAR */
#mainNav{padding:15px 0;transition:all .3s;z-index:1000;background:transparent}
#mainNav.scrolled{background:var(--primary);padding:8px 0;box-shadow:0 4px 20px rgba(0,0,0,.15)}
#mainNav .navbar-brand{font-weight:700;font-size:22px;color:#fff}
#mainNav .navbar-nav{padding-top:0}
#mainNav .nav-link{color:rgba(255,255,255,.85);font-weight:500;padding:8px 16px;border-radius:6px;transition:all .3s;font-size:15px}
#mainNav .nav-link:hover,#mainNav .nav-link.active{color:#fff;background:rgba(255,255,255,.1)}
.btn-apply{background:var(--gold);color:#000!important;font-weight:700;padding:8px 24px;border-radius:25px;border:none;transition:all .3s;font-size:14px}
.btn-apply:hover{background:#1373E3;transform:translateY(-2px);box-shadow:0 6px 20px rgba(29,124,250,.4)}
.btn-apply-sm{background:var(--gold);color:#000!important;font-weight:600;padding:6px 18px;border-radius:20px;font-size:13px;border:none}
.btn-apply-sm:hover{background:#1373E3}
.dropdown-menu{border:none;box-shadow:0 8px 30px rgba(0,0,0,.12);border-radius:10px;padding:8px;z-index:1050}
.dropdown-item{border-radius:6px;padding:8px 16px;font-size:14px;transition:all .2s}
.dropdown-item:hover{background:var(--primary);color:#fff}

/* HERO */
.hero{background:linear-gradient(135deg,var(--primary) 0%,#1a3a8a 50%,var(--accent) 100%);min-height:100vh;display:flex;align-items:center;color:#fff;position:relative;overflow:hidden}
.hero::after{content:'';position:absolute;top:-50%;right:-20%;width:80%;height:200%;background:radial-gradient(circle,rgba(255,255,255,.03) 0%,transparent 70%);pointer-events:none}
.hero h1{font-size:52px;font-weight:800;line-height:1.15;margin-bottom:20px}
.hero h1 span{color:var(--gold)}
.hero p{font-size:18px;color:rgba(255,255,255,.8);line-height:1.7;max-width:520px}
.hero-btns{display:flex;gap:15px;margin-top:30px;flex-wrap:wrap}
.hero-btns .btn-primary{background:var(--gold);color:#000;font-weight:700;padding:14px 36px;border-radius:30px;border:none;font-size:16px;transition:all .3s}
.hero-btns .btn-primary:hover{background:#1373E3;transform:translateY(-2px);box-shadow:0 8px 25px rgba(29,124,250,.4)}
.hero-btns .btn-outline-light{border-radius:30px;padding:14px 36px;font-size:16px;font-weight:600}
.hero-stats{display:flex;gap:50px;margin-top:50px}
.hero-stats .stat h3{font-size:36px;font-weight:800;color:var(--gold)}
.hero-stats .stat p{color:rgba(255,255,255,.7);font-size:14px;margin:0}
.hero-inner{display:flex;align-items:center;gap:40px}
.hero-content{flex:1}
.hero-visual{flex:0 0 auto;text-align:center;animation:float 4s ease-in-out infinite}
@keyframes float{0%,100%{transform:translateY(0)}50%{transform:translateY(-12px)}}
@keyframes houseFloat{0%,100%{transform:translateY(0)}50%{transform:translateY(-8px)}}
@media(max-width:768px){.hero-inner{flex-direction:column;text-align:center}.hero-visual{order:-1;max-width:320px}.hero-stats{justify-content:center;gap:25px;flex-wrap:wrap}.hero p{margin:0 auto}}

/* SECTIONS */
.section{padding:80px 0;position:relative;z-index:1;}
.section-light{background:linear-gradient(160deg,#e8eefc 0%,#dce4f8 30%,#edf1fb 60%,#f0f4fd 100%);position:relative;z-index:1;overflow:hidden;}
.section-light::before{content:'';position:absolute;top:-60px;left:-40px;width:340px;height:340px;background:radial-gradient(circle,rgba(26,115,232,.18),transparent 70%);border-radius:50%;pointer-events:none;}
.section-light::after{content:'';position:absolute;bottom:-80px;right:-50px;width:380px;height:380px;background:radial-gradient(circle,rgba(15,42,107,.14),transparent 70%);border-radius:50%;pointer-events:none;}
.section-title{text-align:center;margin-bottom:50px;position:relative;z-index:2;}
.section-title h2{font-size:36px;font-weight:800;color:var(--primary);margin-bottom:10px}
.section-title p{color:var(--text-light);font-size:16px;max-width:600px;margin:0 auto}
.section-title .divider{width:60px;height:4px;background:var(--gold);margin:15px auto 0;border-radius:2px}

/* CARDS */
.service-card{background:linear-gradient(145deg,rgba(255,255,255,.78),rgba(255,255,255,.48));-webkit-backdrop-filter:blur(20px) saturate(160%);backdrop-filter:blur(20px) saturate(160%);border-radius:20px;padding:30px;text-align:center;transition:all .3s;border:1px solid rgba(255,255,255,.7);height:100%;box-shadow:0 12px 40px rgba(15,42,107,.12),inset 0 1px 0 rgba(255,255,255,.9)}
.service-card:hover{transform:translateY(-8px);box-shadow:0 20px 50px rgba(15,42,107,.18);border-color:rgba(26,115,232,.4);}
.service-card .icon{width:70px;height:70px;border-radius:16px;display:flex;align-items:center;justify-content:center;margin:0 auto 20px;font-size:28px;color:#fff}
.service-card .icon.blue{background:linear-gradient(135deg,var(--primary),var(--accent))}
.service-card .icon.gold{background:linear-gradient(135deg,var(--gold),#3B9BFF)}
.service-card .icon.green{background:linear-gradient(135deg,#10b981,#059669)}
.service-card .icon.purple{background:linear-gradient(135deg,#8b5cf6,#7c3aed)}
.service-card .icon.red{background:linear-gradient(135deg,#ef4444,#dc2626)}
.service-card h5{font-weight:700;color:var(--primary);margin-bottom:10px}
.service-card p{color:var(--text-light);font-size:14px;line-height:1.6}
.service-card .btn-link{color:var(--accent);font-weight:600;font-size:14px;padding:0}

/* FEATURE ROW */
.feature-row{display:flex;align-items:center;gap:60px;padding:60px 0;position:relative;z-index:2;}
.feature-row.reverse{flex-direction:row-reverse}
.feature-content{background:linear-gradient(145deg,rgba(255,255,255,.75),rgba(255,255,255,.45));-webkit-backdrop-filter:blur(18px) saturate(150%);backdrop-filter:blur(18px) saturate(150%);border:1px solid rgba(255,255,255,.7);border-radius:20px;padding:28px 32px;box-shadow:0 10px 36px rgba(15,42,107,.10),inset 0 1px 0 rgba(255,255,255,.9);}
.feature-content h3{font-size:30px;font-weight:700;color:var(--primary);margin-bottom:15px}
.feature-content p{color:var(--text-light);line-height:1.7;margin-bottom:20px}
.feature-list{list-style:none;padding:0}
.feature-list li{padding:8px 0;display:flex;align-items:center;gap:12px;font-size:15px}
.feature-list li i{color:var(--gold);font-size:18px}
.feature-img{border-radius:20px;overflow:hidden;box-shadow:0 10px 40px rgba(0,0,0,.1)}

/* STEPS */
.step-card{text-align:center;padding:30px 20px;position:relative;background:linear-gradient(145deg,rgba(255,255,255,.72),rgba(255,255,255,.42));-webkit-backdrop-filter:blur(18px) saturate(160%);backdrop-filter:blur(18px) saturate(160%);border:1px solid rgba(255,255,255,.65);border-radius:20px;box-shadow:0 10px 36px rgba(15,42,107,.12),inset 0 1px 0 rgba(255,255,255,.9);transition:all .3s;}
.step-card:hover{transform:translateY(-4px);box-shadow:0 16px 48px rgba(15,42,107,.18);}
.step-num{width:60px;height:60px;border-radius:50%;background:var(--primary);color:#fff;display:flex;align-items:center;justify-content:center;font-size:24px;font-weight:700;margin:0 auto 20px}
.step-card h5{font-weight:700;color:var(--primary);margin-bottom:8px}
.step-card p{color:var(--text-light);font-size:14px}

/* ABOUT */
.about-hero{background:linear-gradient(135deg,var(--primary),#1a3a8a);padding:120px 0 80px;color:#fff;text-align:center}
.about-hero h1{font-size:42px;font-weight:800;margin-bottom:15px}
.about-hero p{color:rgba(255,255,255,.8);font-size:17px}
.value-card{background:#fff;border-radius:16px;padding:30px;text-align:center;border:1px solid var(--border);height:100%;transition:all .3s}
.value-card:hover{box-shadow:0 8px 30px rgba(0,0,0,.08)}
.value-card .icon{font-size:40px;margin-bottom:15px;color:var(--accent)}
.value-card h5{font-weight:700;color:var(--primary);margin-bottom:8px}
.value-card p{color:var(--text-light);font-size:14px}
.team-card{text-align:center;transition:all .3s}
.team-card:hover{transform:translateY(-5px)}
.team-avatar{width:120px;height:120px;border-radius:50%;background:linear-gradient(135deg,var(--primary),var(--accent));display:flex;align-items:center;justify-content:center;margin:0 auto 15px;color:#fff;font-size:40px;font-weight:700}
.team-card h5{font-weight:700;color:var(--primary)}
.team-card p{color:var(--text-light);font-size:13px}

/* LOAN/INSURANCE PRODUCT */
.product-hero{background:linear-gradient(135deg,var(--primary),#1a3a8a);padding:120px 0 80px;color:#fff;text-align:center}
.product-card{background:#fff;border-radius:16px;padding:30px;border:1px solid var(--border);height:100%;transition:all .3s;position:relative;overflow:hidden}
.product-card::before{content:'';position:absolute;top:0;left:0;right:0;height:4px;background:var(--accent);transform:scaleX(0);transition:transform .3s}
.product-card:hover::before{transform:scaleX(1)}
.product-card:hover{box-shadow:0 10px 40px rgba(0,0,0,.1);transform:translateY(-5px)}
.product-card .icon{width:60px;height:60px;border-radius:12px;display:flex;align-items:center;justify-content:center;margin-bottom:15px;font-size:24px;color:#fff}
.product-card h5{font-weight:700;color:var(--primary);margin-bottom:10px}
.product-card p{color:var(--text-light);font-size:14px;line-height:1.6;margin-bottom:15px}
.product-card ul{list-style:none;padding:0;text-align:left}
.product-card ul li{padding:5px 0;font-size:13px;color:var(--text-light)}
.product-card ul li i{color:var(--gold);margin-right:8px;font-size:12px}

/* CONTACT */
.contact-hero{background:linear-gradient(135deg,var(--primary),#1a3a8a);padding:120px 0 80px;color:#fff;text-align:center}
.contact-card{background:#fff;border-radius:16px;padding:30px;text-align:center;border:1px solid var(--border);height:100%;transition:all .3s}
.contact-card:hover{box-shadow:0 8px 30px rgba(0,0,0,.08)}
.contact-card .icon{width:60px;height:60px;border-radius:50%;background:linear-gradient(135deg,var(--primary),var(--accent));display:flex;align-items:center;justify-content:center;margin:0 auto 15px;color:#fff;font-size:22px}
.contact-card h5{font-weight:700;color:var(--primary);margin-bottom:8px}
.contact-card p{color:var(--text-light);font-size:14px;margin:0}
.contact-card a{color:var(--accent);font-weight:600}

/* CTA */
.cta-section{background:linear-gradient(135deg,var(--primary),var(--accent));padding:80px 0;color:#fff;text-align:center}
.cta-section h2{font-size:36px;font-weight:800;margin-bottom:15px}
.cta-section p{color:rgba(255,255,255,.8);font-size:17px;margin-bottom:30px}
.cta-section .btn-apply{font-size:16px;padding:14px 40px}

/* FOOTER */
.site-footer{background:linear-gradient(180deg,#0f2a6b,#081a45);color:rgba(255,255,255,.7);padding:60px 0 25px}
.footer-brand{display:flex;align-items:center;gap:12px;margin-bottom:15px}
.footer-brand img{height:60px;width:auto;filter:drop-shadow(0 2px 8px rgba(255,255,255,0.1))}
.footer-brand h5{color:#fff;font-weight:700;margin:0;font-size:18px}
.footer-desc{font-size:14px;line-height:1.7;margin-bottom:20px}
.social-links{display:flex;gap:10px}
.social-links a{width:36px;height:36px;border-radius:50%;background:rgba(255,255,255,.1);display:flex;align-items:center;justify-content:center;color:#fff;transition:all .3s;font-size:14px}
.social-links a:hover{background:var(--gold);color:#000}
.footer-title{color:#fff;font-weight:700;font-size:15px;margin-bottom:18px;text-transform:uppercase;letter-spacing:1px}
.footer-links{list-style:none;padding:0}
.footer-links li{margin-bottom:8px}
.footer-links a{color:rgba(255,255,255,.6);font-size:14px;transition:color .3s}
.footer-links a:hover{color:var(--gold)}
.footer-contact{list-style:none;padding:0}
.footer-contact li{margin-bottom:12px;font-size:14px;display:flex;gap:10px;align-items:flex-start}
.footer-contact li i{color:var(--gold);margin-top:3px;flex-shrink:0}
.footer-contact a{color:rgba(255,255,255,.6)}
.footer-contact a:hover{color:var(--gold)}
.footer-divider{border-color:rgba(255,255,255,.1);margin:30px 0 20px}
.copyright{color:rgba(255,255,255,.4);font-size:13px;margin:0}
.footer-bottom-link{color:rgba(255,255,255,.5);font-size:13px;margin-right:15px}
.footer-bottom-link:hover{color:var(--gold)}
.footer-inline-link{color:rgba(255,255,255,.6);font-size:13px;display:inline;margin:0 4px;text-decoration:none;transition:color .3s}
.footer-inline-link:hover{color:var(--gold)}
.footer-inline-link:not(:last-child)::after{content:' | ';color:rgba(255,255,255,.2);margin:0 2px}

/* RESPONSIVE */
@media(max-width:991px){
    .hero h1{font-size:36px}
    .hero-stats{gap:30px}
    .hero-stats .stat h3{font-size:28px}
    .feature-row,.feature-row.reverse{flex-direction:column;text-align:center}
    #mainNav .navbar-collapse{background:var(--primary);border-radius:10px;padding:15px;margin-top:10px}
    #mainNav .dropdown-menu{background:rgba(255,255,255,0.1);border:none;box-shadow:none;padding:0 0 0 20px;margin-top:0}
    #mainNav .dropdown-item{color:rgba(255,255,255,0.8);padding:8px 16px;font-size:14px;border-radius:6px}
    #mainNav .dropdown-item:hover{background:rgba(255,255,255,0.15);color:#fff}
}
@media(max-width:767px){
    .hero{min-height:auto;padding:120px 0 60px}
    .hero h1{font-size:28px}
    .hero-stats{flex-wrap:wrap;gap:20px}
    .section{padding:50px 0}
    .section-title h2{font-size:28px}
    .top-bar{font-size:11px;padding:5px 0}
    .top-bar-left a,.top-bar-right a{margin:0 2px}
}
.product-highlight-card:hover{transform:translateY(-6px);box-shadow:0 12px 30px rgba(0,0,0,0.1);border-color:transparent!important;}
.product-highlight-card:hover .product-icon-wrap{animation:iconPulse 0.6s ease;}
@keyframes iconPulse{0%{transform:scale(1)}50%{transform:scale(1.15)}100%{transform:scale(1)}}
.product-highlight-card .shine{position:absolute;top:0;left:-75%;width:50%;height:100%;background:linear-gradient(90deg,transparent,rgba(255,255,255,0.3),transparent);transform:skewX(-25deg);transition:none;pointer-events:none;}
.product-highlight-card:hover .shine{animation:shineMove 0.8s ease forwards;}
@keyframes shineMove{0%{left:-75%}100%{left:125%}}
.product-highlight-card .glow-dot{position:absolute;width:60px;height:60px;border-radius:50%;filter:blur(20px);opacity:0;transition:opacity 0.4s;pointer-events:none;}
.product-highlight-card:hover .glow-dot{opacity:0.4;animation:glowPulse 1.5s ease-in-out infinite;}
@keyframes glowPulse{0%,100%{opacity:0.2;transform:scale(1)}50%{opacity:0.5;transform:scale(1.3)}}
.home-loan-img{animation:homeLoanFloat 4s ease-in-out infinite;}
@keyframes homeLoanFloat{0%{transform:scale(0.85) translate(0,8px);opacity:0.85}50%{transform:scale(1.05) translate(4px,-6px);opacity:1}100%{transform:scale(0.85) translate(0,8px);opacity:0.85}}
.product-highlight-card:hover .home-loan-img{animation:homeLoanFloatHover 2.5s ease-in-out infinite;}
@keyframes homeLoanFloatHover{0%{transform:scale(1) translate(0,0);opacity:1}25%{transform:scale(1.1) translate(6px,-8px);opacity:1}50%{transform:scale(1.15) translate(3px,-14px);opacity:1}75%{transform:scale(1.1) translate(-4px,-8px);opacity:1}100%{transform:scale(1) translate(0,0);opacity:1}}
.section-subtitle{color:var(--text-light);font-size:16px;margin-bottom:10px;}

/* ============ FINANCIAL / GLASS UI ============ */
.glass-card,.product-highlight-card{background:linear-gradient(145deg,rgba(255,255,255,.82),rgba(255,255,255,.52))!important;-webkit-backdrop-filter:blur(24px) saturate(180%);backdrop-filter:blur(24px) saturate(180%);border:1px solid rgba(255,255,255,.8)!important;border-radius:20px!important;box-shadow:0 14px 44px rgba(15,42,107,.12),inset 0 1px 0 rgba(255,255,255,.95),inset 0 -1px 0 rgba(15,42,107,.04);}
.section-light .glass-card{background:linear-gradient(145deg,rgba(255,255,255,.72),rgba(255,255,255,.42))!important;border:1px solid rgba(255,255,255,.7)!important;box-shadow:0 16px 48px rgba(15,42,107,.15),inset 0 1px 0 rgba(255,255,255,.95);}
.glass-chip{background:rgba(255,255,255,.14);-webkit-backdrop-filter:blur(14px);backdrop-filter:blur(14px);border:1px solid rgba(255,255,255,.25);border-radius:16px;color:#fff;padding:16px 22px;box-shadow:inset 0 1px 0 rgba(255,255,255,.25);}
.hero{background:linear-gradient(140deg,#081a45 0%,var(--primary) 45%,var(--accent) 100%);}
.hero-visual{flex:0 0 auto;text-align:center;animation:float 4s ease-in-out infinite;position:relative;}
.hero::before{content:'';position:absolute;top:-120px;right:-80px;width:420px;height:420px;background:radial-gradient(circle,rgba(74,154,245,.35),transparent 70%);border-radius:50%;pointer-events:none;}
.hero::after{content:'';position:absolute;bottom:-160px;left:-90px;width:460px;height:460px;background:radial-gradient(circle,rgba(26,115,232,.28),transparent 70%);border-radius:50%;pointer-events:none;}
.hero-content{position:relative;z-index:2;}
.hero-stats{display:flex;gap:18px;margin-top:40px;flex-wrap:wrap;}
.hero-stats .stat{background:rgba(255,255,255,.10);border:1px solid rgba(255,255,255,.22);-webkit-backdrop-filter:blur(12px);backdrop-filter:blur(12px);border-radius:16px;padding:12px 20px;text-align:center;box-shadow:inset 0 1px 0 rgba(255,255,255,.2);}
.hero-stats .stat h3{font-size:28px;font-weight:800;color:#fff;margin:0;line-height:1.1;}
.hero-stats .stat p{color:rgba(255,255,255,.75);font-size:11px;letter-spacing:.5px;margin:2px 0 0;text-transform:uppercase;}
@keyframes float{0%,100%{transform:translateY(0)}50%{transform:translateY(-12px)}}
.hero-badge{display:inline-flex;align-items:center;gap:8px;background:linear-gradient(90deg,rgba(245,158,11,.22),rgba(245,158,11,.08));border:1px solid rgba(245,158,11,.45);color:#ffd98a!important;font-size:12px;font-weight:700;letter-spacing:1.5px;padding:7px 16px;border-radius:999px;text-transform:uppercase;margin-bottom:18px;}
.hero-badge i{color:#66BDFF;}
.btn-whatsapp{display:inline-flex;align-items:center;gap:8px;background:linear-gradient(135deg,#25D366,#128C7E);color:#fff!important;font-weight:700;padding:14px 32px;border-radius:30px;border:none;font-size:16px;transition:all .3s;box-shadow:0 8px 24px rgba(37,211,102,.35);}
.btn-whatsapp:hover{transform:translateY(-2px);box-shadow:0 12px 32px rgba(37,211,102,.45);color:#fff!important;}
.whatsapp-float{position:fixed;right:22px;bottom:22px;z-index:1200;width:58px;height:58px;border-radius:50%;background:linear-gradient(135deg,#25D366,#128C7E);display:flex;align-items:center;justify-content:center;color:#fff;font-size:28px;box-shadow:0 10px 30px rgba(37,211,102,.45);transition:transform .3s,box-shadow .3s;animation:waPulse 2.4s infinite;}
@keyframes waPulse{0%,100%{box-shadow:0 10px 30px rgba(37,211,102,.45),0 0 0 0 rgba(37,211,102,.4)}50%{box-shadow:0 10px 30px rgba(37,211,102,.45),0 0 0 14px rgba(37,211,102,0)}}
.whatsapp-float:hover{transform:translateY(-4px) scale(1.05);color:#fff;}
.whatsapp-float .wa-tip{position:absolute;right:68px;top:50%;transform:translateY(-50%);background:#fff;color:#0f2a6b;font-size:12px;font-weight:700;padding:7px 14px;border-radius:10px;box-shadow:0 6px 18px rgba(0,0,0,.15);white-space:nowrap;opacity:0;pointer-events:none;transition:opacity .25s;}
.whatsapp-float:hover .wa-tip{opacity:1;}
.glass-section{position:relative;}
.glass-section::before{content:'';position:absolute;top:40px;left:-60px;width:300px;height:300px;background:radial-gradient(circle,rgba(26,115,232,.16),transparent 70%);border-radius:50%;pointer-events:none;}
.glass-section::after{content:'';position:absolute;bottom:40px;right:-40px;width:280px;height:280px;background:radial-gradient(circle,rgba(245,158,11,.14),transparent 70%);border-radius:50%;pointer-events:none;}
.amber-cta{display:inline-flex!important;align-items:center;gap:8px;background:var(--gold)!important;color:#000!important;font-weight:700;padding:14px 36px;border-radius:30px;border:none!important;font-size:16px;transition:all .3s;box-shadow:0 8px 24px rgba(245,158,11,.35);}
.amber-cta:hover{transform:translateY(-2px);box-shadow:0 12px 32px rgba(245,158,11,.45);background:#e8930c!important;}
@media(max-width:991px){.hero-stats{gap:12px}.hero-stats .stat{padding:10px 14px}}
@media(max-width:767px){.hero-stats{margin-top:28px}.hero-stats .stat h3{font-size:22px}.whatsapp-float{width:52px;height:52px;font-size:24px;right:16px;bottom:16px}}

/* ============ TYPOGRAPHY ============ */
body{font-family:'Inter','Segoe UI',system-ui,-apple-system,sans-serif;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;text-rendering:optimizeLegibility;letter-spacing:.1px}
h1,h2,h3,h4,h5,h6,.navbar-brand,.hero h1,.section-title h2,.stat-card .stat-value{font-family:'Sora','Inter','Segoe UI',sans-serif;letter-spacing:-.3px}
.section-title h2{font-size:38px;font-weight:800}
.hero h1{letter-spacing:-1px}
.nav-link,.btn,.footer-title{font-family:'Inter',sans-serif}
.hero p,.section-subtitle{line-height:1.75}
::selection{background:rgba(26,115,232,.85);color:#fff}

/* ============ REVEAL ON SCROLL ============ */
.reveal{opacity:0;transform:translateY(26px);transition:opacity .7s cubic-bezier(.22,.61,.36,1),transform .7s cubic-bezier(.22,.61,.36,1);will-change:opacity,transform}
.reveal.in-view{opacity:1;transform:translateY(0)}
.reveal[data-delay="1"]{transition-delay:.08s}
.reveal[data-delay="2"]{transition-delay:.16s}
.reveal[data-delay="3"]{transition-delay:.24s}
.reveal[data-delay="4"]{transition-delay:.32s}
.reveal[data-delay="5"]{transition-delay:.40s}
@media(prefers-reduced-motion:reduce){.reveal{opacity:1;transform:none;transition:none}}

/* ============ SMOOTH MICRO-INTERACTIONS ============ */
.glass-card,.product-highlight-card,.service-card,.step-card,.feature-content,.value-card,.contact-card{transition:transform .35s cubic-bezier(.22,.61,.36,1),box-shadow .35s cubic-bezier(.22,.61,.36,1),border-color .3s ease}
a,.btn,.btn-whatsapp,.amber-cta,.whatsapp-float,.nav-link,.dropdown-item{transition:all .28s cubic-bezier(.22,.61,.36,1)}
.btn,.btn-primary,.btn-apply,.btn-whatsapp,.amber-cta{transform:translateZ(0)}
.btn:hover,.btn-whatsapp:hover,.amber-cta:hover{transform:translateY(-2px) scale(1.02)}
.hero-visual,.home-loan-img{animation:float 5s ease-in-out infinite}
html{scroll-behavior:smooth}
.section-title,.hero{will-change:transform}

/* ============ BLUE FINANCIAL THEME ============ */
:root{--primary:#0064E9;--primary-dark:#0353C0;--accent:#1F7BFF;--accent-light:#50B1FF;--gold:#FFD98A;--ice:#EFF6FF;--text:#232B38;--text-light:#5B6B82;--bg-light:#F4F9FF;--border:#E3ECF7}
body{background:#FFFFFF}
::selection{background:rgba(31,123,255,.20);color:#0A2350}

/* TOP BAR */
.top-bar{background:#0353C0}
.top-bar a:hover{color:#9ED4FF}

/* NAVBAR */
#mainNav.scrolled{background:transparent !important;box-shadow:none !important;}
#mainNav .nav-link:hover,#mainNav .nav-link.active{background:rgba(255,255,255,.16)}
.btn-apply{background:linear-gradient(135deg,#1F7BFF,#50B1FF);color:#fff!important;box-shadow:0 6px 18px rgba(31,123,255,.35)}
.btn-apply:hover{background:linear-gradient(135deg,#0064E9,#2F8BFF);box-shadow:0 10px 26px rgba(31,123,255,.45);color:#fff!important}
.btn-apply-sm{background:linear-gradient(135deg,#1F7BFF,#50B1FF);color:#fff!important;box-shadow:0 4px 12px rgba(31,123,255,.3)}
.btn-apply-sm:hover{background:#0064E9;color:#fff!important}
.dropdown-item:hover{background:var(--primary);color:#fff}

/* HERO - exact reference ramp: #1373E3 -> #1D7CFA -> #52A2FF -> #66BDFF -> fade white */
.hero{background:linear-gradient(180deg,#1373E3 0%,#1D7CFA 22%,#3B9BFF 40%,#52A2FF 55%,#66BDFF 68%,#89BBF8 80%,#ACD1FE 90%,#DCEBFF 98%)}
.hero::before{background:radial-gradient(circle,rgba(255,255,255,.28),transparent 70%)}
.hero::after{background:radial-gradient(circle,rgba(3,83,192,.22),transparent 70%)}
.hero h1 span{color:#ffffff}
.hero-stats .stat{background:rgba(255,255,255,.16);border-color:rgba(255,255,255,.32);box-shadow:inset 0 1px 0 rgba(255,255,255,.35)}
.hero-badge{background:rgba(255,255,255,.16);border-color:rgba(255,255,255,.45);color:#fff!important}
.hero-badge i{color:#66BDFF}
.btn-whatsapp{background:linear-gradient(135deg,#25D366,#128C7E);box-shadow:0 8px 24px rgba(37,211,102,.4)}
.amber-cta{background:linear-gradient(135deg,#1F7BFF,#50B1FF)!important;color:#fff!important;box-shadow:0 8px 24px rgba(31,123,255,.4);border:none!important}
.amber-cta:hover{background:linear-gradient(135deg,#0064E9,#2F8BFF)!important;color:#fff!important;box-shadow:0 12px 32px rgba(31,123,255,.5)}

/* SECTIONS */
.section-light{background:linear-gradient(165deg,#EAF3FF 0%,#F7FBFF 50%,#EAF4FF 100%)}
.section-light::before{background:radial-gradient(circle,rgba(31,123,255,.14),transparent 70%)}
.section-light::after{background:radial-gradient(circle,rgba(0,100,233,.10),transparent 70%)}
.section-title .divider{background:linear-gradient(90deg,#1F7BFF,#50B1FF)}

/* CARDS */
.service-card,.feature-content,.step-card,.glass-card,.product-highlight-card{box-shadow:0 14px 44px rgba(0,100,233,.10),inset 0 1px 0 rgba(255,255,255,.95)}
.service-card:hover,.step-card:hover{box-shadow:0 20px 52px rgba(0,100,233,.16)}
.service-card .icon.blue{background:linear-gradient(135deg,#0064E9,#50B1FF)}
.service-card .btn-link{color:var(--primary)}
.step-num{background:linear-gradient(135deg,#0064E9,#50B1FF)}
.feature-list li i{color:var(--primary)}

/* CONTACT / TEAM */
.contact-card .icon,.team-avatar{background:linear-gradient(135deg,#0064E9,#50B1FF)}

/* CTA */
.cta-section{background:linear-gradient(150deg,#0353C0 0%,#1F7BFF 55%,#50B1FF 100%)}

/* FOOTER */
.site-footer{background:linear-gradient(180deg,#0353C0,#022A6B)}
.footer-inline-link:hover,.footer-links a:hover,.footer-contact a:hover{color:#9ED4FF}
.social-links a:hover{background:#1F7BFF;color:#fff}

/* glass-section orbs */
.glass-section::before{background:radial-gradient(circle,rgba(31,123,255,.14),transparent 70%)}
.glass-section::after{background:radial-gradient(circle,rgba(0,100,233,.10),transparent 70%)}

/* ============================================================
   FINTECH HERO (exact reference template: solid #0878ff)
   ============================================================ */
.fi-hero{position:relative;background:linear-gradient(160deg,#5b86ff 0%,#3266e6 40%,#1d4fe0 70%,#0a1f7d 100%);color:#fff;overflow:hidden;}
.fi-hero__texture{position:absolute;inset:0;pointer-events:none;background:none;}
.fi-hero__glow{position:absolute;inset:0;pointer-events:none;background:none;}
.fi-hero__inner{position:relative;}
.fi-hero__nav{display:flex;align-items:center;justify-content:space-between;height:76px;border-bottom:1px solid rgba(255,255,255,.10);gap:24px;}
.fi-hero__logo{display:flex;align-items:center;gap:10px;text-decoration:none;color:#fff;}
.fi-hero__logo-box{display:grid;grid-template-columns:1fr;place-items:center;width:38px;height:34px;border-radius:8px;background:#0878ff;border:1px solid rgba(255,255,255,.25);color:#fff;font-weight:800;font-size:12px;letter-spacing:0.2px;}
.fi-hero__logo-text{display:flex;flex-direction:column;line-height:1.05;font-size:15px;font-weight:600;letter-spacing:-.02em;}.fi-hero__logo-title{font-size:15px;font-weight:600;letter-spacing:-.02em;}.fi-hero__logo-tagline{font-size:10.5px;font-weight:500;color:rgba(255,255,255,.65);letter-spacing:.2px;margin-top:1px;white-space:nowrap;}
.fi-hero__nav-links{display:flex;align-items:center;gap:32px;}
.fi-hero__nav-links a{color:rgba(255,255,255,.8);font-size:12px;font-weight:500;text-decoration:none;transition:color .2s;}
.fi-hero__nav-links a:hover{color:#fff;}
.fi-nav-links{position:relative;}
.fi-nav-dd{position:relative;}
.fi-nav-dd a{color:rgba(255,255,255,.8);font-size:12px;font-weight:500;text-decoration:none;transition:color .2s;}
.fi-nav-dd a:hover{color:#fff;}
.fi-nav-dd__menu{position:absolute;top:calc(100% + 14px);left:50%;transform:translateX(-50%) translateY(6px);background:#fff;border:1px solid #e2e8f0;border-radius:12px;box-shadow:0 18px 40px rgba(15,23,42,.16);padding:8px;min-width:180px;opacity:0;visibility:hidden;transition:all .2s;z-index:60;}
.fi-nav-dd__menu a{display:flex;align-items:center;gap:10px;color:#0f172a;font-size:12px;font-weight:600;padding:9px 12px;border-radius:8px;transition:all .15s;}
.fi-nav-dd__menu a i{width:18px;text-align:center;color:#0878ff;font-size:13px;}
.fi-nav-dd__menu a:hover{background:#f1f5f9;color:#0878ff;}
.fi-nav-dd:hover .fi-nav-dd__menu{opacity:1;visibility:visible;transform:translateX(-50%) translateY(0);}
.fi-nav-dd2{position:relative;}
.fi-nav-dd2:hover .fi-nav-dd2__menu{opacity:1;visibility:visible;transform:none;}
.fi-nav-dd2__menu{position:absolute;top:-8px;left:calc(100% + 8px);background:#fff;border:1px solid #e2e8f0;border-radius:12px;box-shadow:0 18px 40px rgba(15,23,42,.16);padding:8px;min-width:190px;opacity:0;visibility:hidden;transition:all .2s;z-index:70;}
.fi-nav-dd2__menu a{display:flex;align-items:center;gap:10px;color:#0f172a;font-size:12px;font-weight:600;padding:9px 12px;border-radius:8px;transition:all .15s;}
.fi-nav-dd2__menu a i{width:18px;text-align:center;color:#0878ff;font-size:13px;}
.fi-nav-dd2__menu a:hover{background:#f1f5f9;color:#0878ff;}
.fi-hero__cta-sm{background:#0878ff;border:1px solid rgba(255,255,255,.9);color:#fff;font-size:12px;font-weight:700;padding:8px 16px;border-radius:999px;text-decoration:none;transition:all .2s;box-shadow:0 3px 12px rgba(0,0,0,.15);animation:fiCtaPulse 1.6s infinite;}
.fi-hero__cta-sm:hover{background:#fff;color:#0878ff;}
@keyframes fiCtaPulse{0%,100%{box-shadow:0 3px 12px rgba(0,0,0,.15),0 0 0 0 rgba(255,255,255,.55);}50%{box-shadow:0 3px 12px rgba(0,0,0,.15),0 0 0 8px rgba(255,255,255,0);}}
.fi-hero__hamburger{display:none;width:40px;height:40px;border:1px solid rgba(255,255,255,.2);border-radius:999px;background:transparent;color:#fff;font-size:18px;cursor:pointer;}
.fi-hero__copy{display:flex;flex-direction:column;align-items:center;justify-content:center;text-align:center;min-height:365px;padding:56px 0 80px;max-width:720px;margin:0 auto;}
.fi-hero__badge{display:inline-flex;align-items:center;gap:6px;border:1px solid rgba(255,255,255,.2);background:rgba(255,255,255,.10);padding:6px 12px;border-radius:999px;font-size:10px;font-weight:500;letter-spacing:.06em;color:rgba(255,255,255,.9);margin-bottom:20px;backdrop-filter:blur(4px);}
.fi-hero__badge i{font-size:11px;color:#fff;}
.fi-hero__copy h1{font-size:68px;font-weight:700;line-height:.98;letter-spacing:-.055em;margin:0;color:#fff;font-family:'Sora',Inter,'Segoe UI',sans-serif;}
.fi-hero__copy p{font-size:14px;line-height:1.6;color:rgba(255,255,255,.75);max-width:560px;margin:20px auto 0;}
.fi-hero__cta{display:inline-flex;align-items:center;gap:12px;background:#fff;color:#0f172a;font-size:13px;font-weight:600;padding:12px 20px;border-radius:999px;text-decoration:none;box-shadow:0 10px 30px rgba(0,0,0,.15);transition:all .2s;margin-top:28px;}
.fi-hero__cta:hover{transform:translateY(-2px);box-shadow:0 15px 35px rgba(0,0,0,.2);color:#0f172a;}
.fi-hero__cta-arrow{display:grid;place-items:center;width:24px;height:24px;border-radius:999px;background:#000;color:#fff;transition:transform .2s;}
.fi-hero__cta:hover .fi-hero__cta-arrow{transform:translateX(2px);}

/* Dashboard mockup overlaps hero */
.fi-dash-wrap{position:relative;margin:0 auto;width:calc(100% - 28px);max-width:1120px;z-index:5;transform:translateY(2px);}
.fi-dash{display:flex;background:#fff;border:1px solid rgba(255,255,255,.3);border-radius:10px 10px 0 0;box-shadow:0 30px 80px rgba(0,30,90,.28);overflow:hidden;font-family:'Inter','Segoe UI',sans-serif;}
.fi-dash__side{display:none;width:178px;flex-shrink:0;border-right:1px solid #e2e8f0;background:#fff;padding:16px;}
@media(min-width:992px){.fi-dash__side{display:block;}}
.fi-dash__side-logo{display:flex;align-items:center;gap:8px;font-size:15px;font-weight:600;letter-spacing:-.02em;color:#0f172a;}
.fi-dash__side-icon{display:grid;place-items:center;width:32px;height:32px;border-radius:7px;background:#0878ff;color:#fff;font-weight:700;font-size:11px;}
.fi-dash__side-tile{width:10px;height:10px;border-radius:2px;background:#fff;}
.fi-dash__menu-label{display:flex;align-items:center;justify-content:space-between;font-size:10px;font-weight:600;color:#64748b;padding:0 8px;margin:28px 0 8px;}
.fi-dash__menu{display:flex;flex-direction:column;gap:4px;}
.fi-dash__menu-item{display:flex;align-items:center;gap:10px;padding:8px 10px;border-radius:6px;font-size:10px;font-weight:500;color:#64748b;text-decoration:none;transition:all .15s;}
.fi-dash__menu-item i{font-size:12px;stroke-width:1.8;}
.fi-dash__menu-item.active{background:#f1f5f9;color:#0f172a;box-shadow:0 1px 2px rgba(0,0,0,.04);}
.fi-dash__menu-item:hover{background:#f8fafc;color:#0f172a;}
.fi-dash__badge{display:grid;place-items:center;min-width:16px;height:16px;border-radius:4px;background:#e2e8f0;font-size:8px;margin-left:auto;padding:0 4px;}

.fi-dash__main{flex:1;min-width:0;background:#f8f9fb;}
.fi-dash__header{display:flex;align-items:center;justify-content:space-between;height:53px;border-bottom:1px solid #e2e8f0;background:#fff;padding:0 16px;}
.fi-dash__breadcrumb{display:flex;align-items:center;gap:8px;font-size:10px;color:#64748b;}
.fi-dash__breadcrumb strong{color:#0f172a;font-weight:500;}
.fi-dash__breadcrumb i{font-size:8px;}
.fi-dash__header-actions{display:flex;align-items:center;gap:12px;}
.fi-dash__hdr-btn{background:transparent;border:0;color:#64748b;font-size:13px;cursor:pointer;padding:4px;}
.fi-dash__btn-inv{background:#0f172a;color:#fff;border:0;font-size:9px;font-weight:600;padding:6px 12px;border-radius:6px;cursor:pointer;transition:background .2s;}
.fi-dash__btn-inv:hover{background:#334155;}

.fi-dash__body{padding:24px;min-width:470px;}
.fi-dash__welcome{display:flex;align-items:flex-end;justify-content:space-between;gap:16px;margin-bottom:20px;}
.fi-dash__welcome-sub{font-size:9px;color:#64748b;}
.fi-dash__welcome h3{font-size:15px;font-weight:600;letter-spacing:-.02em;color:#0f172a;margin:4px 0 0;}
.fi-dash__welcome-date{font-size:9px;color:#64748b;}
.fi-dash__stats{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin-bottom:16px;}
.fi-dash__stat{border:1px solid #e2e8f0;border-radius:8px;background:#fff;padding:12px;}
.fi-dash__stat-top{display:flex;align-items:center;justify-content:space-between;font-size:9px;color:#64748b;}
.fi-dash__stat-ico{display:grid;place-items:center;width:24px;height:24px;border-radius:6px;background:#f1f5f9;color:#475569;}
.fi-dash__stat-ico i{font-size:12px;}
.fi-dash__stat-val{font-size:17px;font-weight:600;letter-spacing:-.02em;color:#0f172a;margin-top:8px;}
.fi-dash__stat-chg{display:flex;align-items:center;gap:4px;font-size:8px;margin-top:4px;}
.fi-dash__stat-chg i{font-size:9px;}
.fi-dash__stat-chg.up{color:#059669;}
.fi-dash__stat-chg.down{color:#f43f5e;}
.fi-dash__stat-sub{color:#94a3b8;}

/* Chart */
.fi-dash__chart{border:1px solid #e2e8f0;border-radius:8px;background:#fff;}
.fi-dash__chart-head{display:flex;align-items:center;justify-content:space-between;gap:12px;flex-wrap:wrap;border-bottom:1px solid #f1f5f9;padding:12px 16px;}
.fi-dash__chart-title{display:flex;align-items:center;gap:8px;font-size:11px;font-weight:600;color:#0f172a;}
.fi-dash__chart-title i{font-size:13px;}
.fi-dash__chart-filters{display:flex;align-items:center;gap:8px;}
.fi-dash__chart-date{font-size:8px;color:#64748b;border:1px solid #e2e8f0;border-radius:6px;padding:6px 10px;}
.fi-dash__chart-dd{display:flex;align-items:center;gap:4px;font-size:8px;color:#64748b;border:1px solid #e2e8f0;border-radius:6px;padding:6px 10px;}
.fi-dash__chart-dd i{font-size:8px;}
.fi-dash__chart-body{display:flex;position:relative;padding:20px 16px 4px;}
.fi-dash__chart-yaxis{display:flex;flex-direction:column;justify-content:space-between;width:32px;flex-shrink:0;font-size:7px;color:#94a3b8;padding:4px 0;}
.fi-dash__chart-bars{display:flex;align-items:flex-end;gap:3px;flex:1;height:190px;position:relative;}
.fi-dash__bar{flex:1;background:#dcecff;border-radius:2px 2px 0 0;transition:background .2s;}
.fi-dash__bar:hover{background:#0878ff;}
.fi-dash__bar--hot{background:#0878ff;}
.fi-dash__chart-xaxis{display:flex;justify-content:space-between;font-size:7px;color:#94a3b8;padding:8px 0 12px 48px;}
.fi-dash__chart-tooltip{position:absolute;z-index:5;background:#fff;border:1px solid #0878ff;border-radius:6px;padding:4px 8px;font-size:8px;box-shadow:0 2px 8px rgba(0,0,0,.08);}
.fi-dash__chart-tip-date{color:#334155;font-weight:600;}
.fi-dash__chart-tip-val{color:#0878ff;font-weight:700;}

/* Bottom cards */
.fi-dash__bottom-cards{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-top:16px;}
.fi-dash__bcard{border:1px solid #e2e8f0;border-radius:8px;background:#fff;padding:16px;}
.fi-dash__bcard-head{display:flex;align-items:flex-start;justify-content:space-between;}
.fi-dash__bcard-sub{display:block;font-size:9px;color:#94a3b8;}
.fi-dash__bcard h4{font-size:12px;font-weight:600;color:#0f172a;margin:4px 0 0;}
.fi-dash__bcard-link{font-size:9px;font-weight:500;color:#2563eb;text-decoration:none;}
.fi-dash__txn{margin-top:16px;}
.fi-dash__txn-row{display:flex;align-items:center;justify-content:space-between;border-bottom:1px solid #f1f5f9;padding:8px 0;}
.fi-dash__txn-row:last-child{border-bottom:0;}
.fi-dash__txn-left{display:flex;align-items:center;gap:8px;font-size:9px;font-weight:500;color:#0f172a;}
.fi-dash__txn-ico{display:grid;place-items:center;width:28px;height:28px;border-radius:999px;background:#f1f5f9;color:#0f172a;font-size:11px;}
.fi-dash__txn-amt{font-size:9px;font-weight:600;}
.fi-dash__txn-amt.pos{color:#059669;}
.fi-dash__txn-amt.neg{color:#0f172a;}
.fi-dash__ccard{margin-top:16px;border-radius:12px;background:linear-gradient(135deg,#0f172a,#334155);color:#fff;padding:16px;}
.fi-dash__ccard-top{display:flex;align-items:flex-start;justify-content:space-between;font-size:9px;font-weight:500;letter-spacing:.04em;}
.fi-dash__ccard-num{margin-top:32px;font-size:13px;letter-spacing:.18em;}
.fi-dash__ccard-bot{display:flex;justify-content:space-between;margin-top:16px;font-size:7px;color:rgba(255,255,255,.7);}
.fi-dash__loan-status{font-size:8px;font-weight:600;color:#7c3aed;background:#f5f3ff;padding:3px 8px;border-radius:999px;}
.fi-dash__loan{margin-top:16px;}
.fi-dash__loan-row{display:flex;align-items:center;justify-content:space-between;border-bottom:1px solid #f1f5f9;padding:8px 0;}
.fi-dash__loan-progress{margin-top:14px;height:6px;border-radius:999px;background:#f1f5f9;overflow:hidden;}
.fi-dash__loan-progress span{display:block;height:100%;border-radius:999px;background:#0878ff;}
.fi-dash__loan-steps{display:flex;justify-content:space-between;margin-top:10px;font-size:7px;color:#94a3b8;}
.fi-dash__loan-steps span{font-weight:600;}
.fi-dash__loan-steps span.done{color:#059669;}
.fi-dash__loan-steps span.active{color:#0878ff;}
.fi-hero__spacer{height:32px;background:#fff;}

/* Features section */
.fi-features{padding:80px 0;background:#fff;}
.fi-features__grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;}
.fi-features__card{border:1px solid #e2e8f0;border-radius:16px;padding:24px;transition:all .2s;}
.fi-features__card:hover{transform:translateY(-4px);box-shadow:0 20px 40px rgba(15,23,42,.08);}
.fi-features__icon{display:grid;place-items:center;width:40px;height:40px;border-radius:12px;background:#eff6ff;color:#0878ff;font-size:18px;}
.fi-features__card h3{font-size:15px;font-weight:600;color:#0f172a;margin:20px 0 0;}
.fi-features__card p{font-size:12px;line-height:1.6;color:#64748b;margin:8px 0 0;}

/* CTA section */
.fi-cta{padding:80px 0;background:#eef6ff;text-align:center;}
.fi-cta h2{font-size:30px;font-weight:700;color:#0f172a;letter-spacing:-.02em;}
.fi-cta p{font-size:14px;color:#64748b;margin:8px 0 0;}

/* Breakpoints */
@media(max-width:991px){
    .fi-hero__nav-links{display:none;position:absolute;top:76px;left:16px;right:16px;flex-direction:column;background:#0878ff;border:1px solid rgba(255,255,255,.15);border-radius:12px;padding:16px;gap:16px;align-items:flex-start;z-index:20;}
    .fi-hero__nav-links--open{display:flex;}
    .fi-hero__hamburger{display:grid;place-items:center;}
    .fi-dash__side{display:none;}
    .fi-dash__stats{grid-template-columns:1fr 1fr;}
    .fi-dash__bottom-cards{grid-template-columns:1fr;}
    .fi-hero__copy h1{font-size:42px;}
    .fi-dash__chart-date{display:none;}
}
@media(max-width:767px){
    .fi-hero__copy{min-height:300px;padding:40px 0 50px;}
    .fi-hero__copy h1{font-size:32px;}
    .fi-hero__copy p{font-size:13px;}
    .fi-dash__body{padding:16px;min-width:0;}
    .fi-dash__header .fi-dash__cta-sm,.fi-dash__welcome-date{display:none;}
    .fi-dash__stats{grid-template-columns:1fr;}
    .fi-features__grid{grid-template-columns:1fr;}
}