/* =============================================
   CSS CUSTOM PROPERTIES & RESET
============================================= */
:root {
  --navy:      #0B2E3A;
  --navy-mid:  #0F4C5C;
  --navy-light:#1C6E8C;
  --gold:      #00C4CC;
  --gold-light:#66E0E6;
  --gold-pale: #E6FAFB;
  --teal:      #14919B;
  --teal-light:#2BBEC8;
  --white:     #FFFFFF;
  --off-white: #F2FCFC;
  --gray-100:  #E6F4F6;
  --gray-200:  #D0E8EC;
  --gray-400:  #6F9EA4;
  --gray-600:  #3E6A70;
  --gray-800:  #1A3338;
  --text-dark: #0B2E3A;
  --text-mid:  #1F5960;
  --text-light:#5F8E95;
  --success:   #22C55E;
  --shadow-sm: 0 2px 8px rgba(11,46,58,.08);
  --shadow-md: 0 8px 30px rgba(11,46,58,.12);
  --shadow-lg: 0 20px 60px rgba(11,46,58,.18);
  --shadow-gold:0 8px 30px rgba(0,196,204,.25);
  --radius-sm: 8px;
  --radius-md: 14px;
  --radius-lg: 20px;
  --radius-xl: 30px;
  --transition: .3s cubic-bezier(.4,0,.2,1);
}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;font-size:16px}
body{font-family:'Inter',sans-serif;color:var(--text-dark);background:var(--white);overflow-x:hidden;line-height:1.65}
img{max-width:100%;height:auto;display:block}
a{text-decoration:none;color:inherit;transition:var(--transition)}
ul{list-style:none}
button{cursor:pointer;border:none;outline:none;font-family:inherit}
input,textarea,select{font-family:inherit;outline:none}
section{position:relative}
.container{max-width:1200px;margin:0 auto;padding:0 24px}
.section-pad{padding:90px 0}
/* =============================================
   TYPOGRAPHY
============================================= */
.section-tag{display:inline-flex;align-items:center;gap:8px;background:linear-gradient(135deg,rgba(201,162,39,.12),rgba(201,162,39,.06));border:1px solid rgba(201,162,39,.3);color:var(--gold);font-size:.78rem;font-weight:700;letter-spacing:1.8px;text-transform:uppercase;padding:7px 18px;border-radius:50px;margin-bottom:18px}
.section-tag i{font-size:.7rem}
.section-title{font-family:'Playfair Display',serif;font-size:clamp(2rem,4vw,2.8rem);font-weight:700;color:var(--navy);line-height:1.2;margin-bottom:16px}
.section-title span{color:var(--gold)}
.section-subtitle{font-size:1.05rem;color:var(--text-light);max-width:580px;line-height:1.75}
.section-header{text-align:center;margin-bottom:64px}
.section-header .section-subtitle{margin:0 auto}
/* =============================================
   BUTTONS
============================================= */
.btn{display:inline-flex;align-items:center;gap:10px;padding:14px 32px;border-radius:50px;font-weight:600;font-size:.95rem;transition:var(--transition);position:relative;overflow:hidden}
.btn-primary{background:linear-gradient(135deg,var(--gold),var(--gold-light));color:var(--navy);box-shadow:var(--shadow-gold)}
.btn-primary:hover{transform:translateY(-2px);box-shadow:0 12px 40px rgba(201,162,39,.4)}
.btn-outline{background:transparent;color:var(--white);border:2px solid rgba(255,255,255,.5)}
.btn-outline:hover{background:rgba(255,255,255,.1);border-color:var(--white)}
.btn-navy{background:var(--navy);color:var(--white);box-shadow:var(--shadow-md)}
.btn-navy:hover{background:var(--navy-light);transform:translateY(-2px)}
.btn-sm{padding:10px 22px;font-size:.85rem}
.btn i{font-size:.85rem}
/* =============================================
   HEADER
============================================= */
#header{position:fixed;top:0;left:0;right:0;z-index:1000;padding:20px 0;transition:var(--transition)}
#header.scrolled{background:rgba(10,22,40,.97);backdrop-filter:blur(20px);padding:14px 0;box-shadow:0 4px 30px rgba(0,0,0,.3)}
.header-inner{display:flex;align-items:center;justify-content:space-between;gap:20px}
.logo{display:flex;align-items:center;gap:12px;flex-shrink:0}
.logo-icon{width:44px;height:44px;background:linear-gradient(135deg,var(--gold),var(--gold-light));border-radius:10px;display:flex;align-items:center;justify-content:center;box-shadow:0 4px 15px rgba(201,162,39,.4)}
.logo-icon i{color:var(--navy);font-size:1.2rem;font-weight:900}
.logo-text{line-height:1}
.logo-name{font-family:'Playfair Display',serif;font-size:1.15rem;font-weight:700;color:var(--white);white-space:nowrap}
.logo-sub{font-size:.65rem;font-weight:600;color:var(--gold);letter-spacing:1.5px;text-transform:uppercase}
nav{display:flex;align-items:center;gap:4px}
.nav-link{padding:8px 14px;font-size:.88rem;font-weight:500;color:rgba(255,255,255,.8);border-radius:8px;transition:var(--transition);white-space:nowrap}
.nav-link:hover,.nav-link.active{color:var(--gold);background:rgba(201,162,39,.1)}
.header-cta{display:flex;align-items:center;gap:12px;flex-shrink:0}
.hamburger{display:none;flex-direction:column;gap:5px;cursor:pointer;padding:8px}
.hamburger span{display:block;width:24px;height:2px;background:var(--white);transition:var(--transition);border-radius:2px}
.mobile-nav{display:none;position:fixed;top:0;right:-100%;width:300px;height:100vh;background:var(--navy);box-shadow:-10px 0 40px rgba(0,0,0,.4);z-index:1100;padding:80px 30px 30px;flex-direction:column;gap:6px;transition:right .4s cubic-bezier(.4,0,.2,1)}
.mobile-nav.open{right:0;display:flex}
.mobile-nav .nav-link{font-size:1rem;padding:14px 16px;border-bottom:1px solid rgba(255,255,255,.06)}
.mobile-overlay{display:none;position:fixed;inset:0;background:rgba(0,0,0,.5);z-index:1099}
.mobile-overlay.open{display:block}
.close-mobile{position:absolute;top:22px;right:22px;background:none;color:var(--white);font-size:1.4rem;cursor:pointer}
/* =============================================
   HERO SECTION
============================================= */
#hero{min-height:100vh;background:linear-gradient(135deg,var(--navy) 0%,var(--navy-mid) 50%,#0D2B5E 100%);display:flex;align-items:center;padding-top:90px;overflow:hidden}
.hero-bg-shapes{position:absolute;inset:0;overflow:hidden;pointer-events:none}
.hero-shape{position:absolute;border-radius:50%;opacity:.06}
.hero-shape-1{width:600px;height:600px;background:var(--gold);top:-150px;right:-100px}
.hero-shape-2{width:400px;height:400px;background:var(--teal);bottom:-100px;left:-80px}
.hero-shape-3{width:200px;height:200px;background:var(--gold-light);top:40%;left:40%;animation:floatShape 8s ease-in-out infinite}
.hero-grid{display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:center;padding:80px 0}
.hero-badge{display:inline-flex;align-items:center;gap:8px;background:rgba(201,162,39,.15);border:1px solid rgba(201,162,39,.35);color:var(--gold);font-size:.75rem;font-weight:700;letter-spacing:2px;text-transform:uppercase;padding:8px 20px;border-radius:50px;margin-bottom:22px}
.hero-badge i{animation:pulse 2s ease-in-out infinite}
.hero-title{font-family:'Playfair Display',serif;font-size:clamp(2.4rem,5vw,3.8rem);font-weight:800;color:var(--white);line-height:1.15;margin-bottom:22px}
.hero-title .highlight{color:var(--gold);position:relative}
.hero-title .highlight::after{content:'';position:absolute;bottom:-4px;left:0;width:100%;height:3px;background:linear-gradient(90deg,var(--gold),transparent);border-radius:2px}
.hero-desc{font-size:1.1rem;color:rgba(255,255,255,.75);line-height:1.8;margin-bottom:36px;max-width:520px}
.hero-ctas{display:flex;gap:16px;flex-wrap:wrap;margin-bottom:48px}
.hero-stats{display:flex;gap:32px;flex-wrap:wrap}
.hero-stat{text-align:left}
.hero-stat-num{font-family:'Playfair Display',serif;font-size:2rem;font-weight:700;color:var(--gold);line-height:1}
.hero-stat-label{font-size:.78rem;color:rgba(255,255,255,.6);font-weight:500;margin-top:4px;letter-spacing:.5px}
.hero-stat-divider{width:1px;background:rgba(255,255,255,.15);align-self:stretch}
.hero-visual{position:relative;display:flex;justify-content:center;align-items:center}
.hero-card-main{background:rgba(255,255,255,.06);backdrop-filter:blur(20px);border:1px solid rgba(255,255,255,.12);border-radius:var(--radius-lg);padding:32px;color:var(--white);width:100%;max-width:420px;box-shadow:0 30px 80px rgba(0,0,0,.3)}
.hero-card-header{display:flex;align-items:center;justify-content:space-between;margin-bottom:24px}
.hero-card-title{font-size:.8rem;font-weight:600;color:var(--gold);text-transform:uppercase;letter-spacing:1.5px}
.hero-card-badge{background:rgba(16,185,129,.2);color:#4ade80;font-size:.75rem;font-weight:600;padding:4px 12px;border-radius:50px;border:1px solid rgba(16,185,129,.3)}
.hero-loan-amount{font-family:'Playfair Display',serif;font-size:2.8rem;font-weight:700;color:var(--white);margin-bottom:4px}
.hero-loan-label{font-size:.85rem;color:rgba(255,255,255,.5);margin-bottom:28px}
.hero-progress{margin-bottom:24px}
.hero-progress-label{display:flex;justify-content:space-between;font-size:.8rem;color:rgba(255,255,255,.6);margin-bottom:8px}
.hero-progress-bar{height:6px;background:rgba(255,255,255,.1);border-radius:10px;overflow:hidden}
.hero-progress-fill{height:100%;background:linear-gradient(90deg,var(--gold),var(--gold-light));border-radius:10px;width:68%;transition:width 1.5s ease}
.hero-mini-stats{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.hero-mini-stat{background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.08);border-radius:10px;padding:14px}
.hero-mini-stat-val{font-size:1.2rem;font-weight:700;color:var(--gold);margin-bottom:2px}
.hero-mini-stat-key{font-size:.72rem;color:rgba(255,255,255,.5);font-weight:500}
.hero-float-card{position:absolute;background:var(--white);border-radius:14px;padding:14px 18px;box-shadow:0 15px 40px rgba(0,0,0,.2);display:flex;align-items:center;gap:12px;animation:floatCard 4s ease-in-out infinite}
.hero-float-card-1{top:-20px;left:-30px;animation-delay:.5s}
.hero-float-card-2{bottom:-20px;right:-30px;animation-delay:1.2s}
.float-card-icon{width:38px;height:38px;border-radius:10px;display:flex;align-items:center;justify-content:center;font-size:1rem}
.float-card-icon.green{background:rgba(16,185,129,.15);color:var(--success)}
.float-card-icon.blue{background:rgba(13,138,138,.15);color:var(--teal)}
.float-card-text-bold{font-size:.85rem;font-weight:700;color:var(--navy)}
.float-card-text-sm{font-size:.72rem;color:var(--text-light)}
/* =============================================
   TRUST BADGES
============================================= */
#trust{padding:50px 0;background:var(--off-white);border-top:1px solid var(--gray-200)}
.trust-inner{display:flex;align-items:center;justify-content:center;gap:60px;flex-wrap:wrap}
.trust-label{font-size:.8rem;font-weight:700;color:var(--text-light);text-transform:uppercase;letter-spacing:1.5px;white-space:nowrap}
.trust-divider{width:1px;height:30px;background:var(--gray-200)}
.trust-badges{display:flex;align-items:center;gap:40px;flex-wrap:wrap;justify-content:center}
.trust-badge{display:flex;align-items:center;gap:10px;color:var(--text-mid);font-size:.85rem;font-weight:600;transition:var(--transition)}
.trust-badge:hover{color:var(--navy)}
.trust-badge i{font-size:1.3rem;color:var(--gold)}
/* =============================================
   ABOUT SECTION
============================================= */
#about{background:var(--white)}
.about-grid{display:grid;grid-template-columns:1fr 1fr;gap:80px;align-items:center}
.about-visual{position:relative}
.about-img-wrap{border-radius:var(--radius-lg);overflow:hidden;box-shadow:var(--shadow-lg)}
.about-img-placeholder{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-light) 100%);height:480px;display:flex;align-items:center;justify-content:center;position:relative;overflow:hidden}
.about-icon-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px;padding:40px}
.about-icon-cell{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.12);border-radius:14px;padding:24px;display:flex;flex-direction:column;align-items:center;gap:10px;text-align:center;transition:var(--transition)}
.about-icon-cell:hover{background:rgba(201,162,39,.15);border-color:rgba(201,162,39,.3);transform:translateY(-4px)}
.about-icon-cell i{font-size:2rem;color:var(--gold)}
.about-icon-cell span{font-size:.8rem;font-weight:600;color:rgba(255,255,255,.8)}
.about-badge-overlay{position:absolute;bottom:-20px;right:-20px;background:linear-gradient(135deg,var(--gold),var(--gold-light));border-radius:var(--radius-md);padding:22px 26px;box-shadow:var(--shadow-gold);text-align:center}
.about-badge-num{font-family:'Playfair Display',serif;font-size:2.4rem;font-weight:800;color:var(--navy);line-height:1}
.about-badge-text{font-size:.75rem;font-weight:700;color:rgba(10,22,40,.7);text-transform:uppercase;letter-spacing:1px}
.about-content .section-tag{margin-bottom:16px}
.about-content .section-title{margin-bottom:14px}
.about-content .section-subtitle{margin-bottom:28px}
.mission-box{background:var(--gold-pale);border-left:4px solid var(--gold);border-radius:0 var(--radius-sm) var(--radius-sm) 0;padding:20px 24px;margin-bottom:28px}
.mission-box p{font-size:.95rem;color:var(--text-mid);font-style:italic;line-height:1.7}
.about-features{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-bottom:32px}
.about-feature{display:flex;align-items:center;gap:10px;font-size:.9rem;font-weight:500;color:var(--text-mid)}
.about-feature i{color:var(--gold);font-size:.9rem}
/* =============================================
   WHY CHOOSE US
============================================= */
#why{background:linear-gradient(160deg,var(--navy) 0%,var(--navy-mid) 100%);overflow:hidden}
#why .section-title{color:var(--white)}
#why .section-subtitle{color:rgba(255,255,255,.65);margin:0 auto}
.why-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.why-card{background:rgba(255,255,255,.05);backdrop-filter:blur(10px);border:1px solid rgba(255,255,255,.1);border-radius:var(--radius-md);padding:32px;transition:var(--transition);position:relative;overflow:hidden}
.why-card::before{content:'';position:absolute;inset:0;background:linear-gradient(135deg,rgba(201,162,39,.08),transparent);opacity:0;transition:var(--transition)}
.why-card:hover{transform:translateY(-6px);border-color:rgba(201,162,39,.4);box-shadow:0 20px 50px rgba(0,0,0,.3)}
.why-card:hover::before{opacity:1}
.why-icon{width:58px;height:58px;background:linear-gradient(135deg,rgba(201,162,39,.2),rgba(201,162,39,.08));border:1px solid rgba(201,162,39,.3);border-radius:14px;display:flex;align-items:center;justify-content:center;margin-bottom:20px;transition:var(--transition)}
.why-card:hover .why-icon{background:linear-gradient(135deg,var(--gold),var(--gold-light));border-color:transparent}
.why-icon i{font-size:1.5rem;color:var(--gold);transition:var(--transition)}
.why-card:hover .why-icon i{color:var(--navy)}
.why-title{font-size:1.05rem;font-weight:700;color:var(--white);margin-bottom:10px}
.why-desc{font-size:.88rem;color:rgba(255,255,255,.55);line-height:1.7}
/* =============================================
   SERVICES SECTION
============================================= */
#services{background:var(--off-white)}
.services-tabs{display:flex;gap:8px;flex-wrap:wrap;justify-content:center;margin-bottom:48px}
.svc-tab{padding:11px 24px;border-radius:50px;font-size:.88rem;font-weight:600;cursor:pointer;transition:var(--transition);border:2px solid var(--gray-200);background:var(--white);color:var(--text-mid)}
.svc-tab:hover{border-color:var(--gold);color:var(--gold)}
.svc-tab.active{background:var(--navy);color:var(--white);border-color:var(--navy)}
.svc-panel{display:none}
.svc-panel.active{display:block}
.services-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
.svc-card{background:var(--white);border:1px solid var(--gray-200);border-radius:var(--radius-md);padding:28px 22px;transition:var(--transition);text-align:center;position:relative;overflow:hidden}
.svc-card::after{content:'';position:absolute;bottom:0;left:0;width:100%;height:3px;background:linear-gradient(90deg,var(--gold),var(--gold-light));transform:scaleX(0);transform-origin:left;transition:var(--transition)}
.svc-card:hover{transform:translateY(-6px);box-shadow:var(--shadow-lg);border-color:rgba(201,162,39,.3)}
.svc-card:hover::after{transform:scaleX(1)}
.svc-icon{width:60px;height:60px;background:linear-gradient(135deg,rgba(10,22,40,.06),rgba(10,22,40,.02));border:1px solid var(--gray-200);border-radius:14px;display:flex;align-items:center;justify-content:center;margin:0 auto 16px;transition:var(--transition)}
.svc-card:hover .svc-icon{background:linear-gradient(135deg,var(--gold),var(--gold-light));border-color:transparent}
.svc-icon i{font-size:1.5rem;color:var(--navy);transition:var(--transition)}
.svc-card:hover .svc-icon i{color:var(--white)}
.svc-name{font-size:.95rem;font-weight:700;color:var(--navy);margin-bottom:8px}
.svc-desc{font-size:.8rem;color:var(--text-light);line-height:1.6;margin-bottom:16px}
.svc-link{font-size:.8rem;font-weight:600;color:var(--gold);display:inline-flex;align-items:center;gap:6px}
.svc-link:hover{gap:10px}
/* =============================================
   TESTIMONIALS
============================================= */
#testimonials{background:var(--white)}
.testimonials-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}
.testi-card{background:var(--off-white);border:1px solid var(--gray-200);border-radius:var(--radius-md);padding:32px;transition:var(--transition);position:relative}
.testi-card:hover{transform:translateY(-6px);box-shadow:var(--shadow-lg);border-color:rgba(201,162,39,.3)}
.testi-quote-icon{font-size:2.5rem;color:var(--gold);opacity:.3;margin-bottom:8px;font-family:Georgia,serif;line-height:1}
.testi-text{font-size:.93rem;color:var(--text-mid);line-height:1.8;margin-bottom:24px;font-style:italic}
.testi-footer{display:flex;align-items:center;gap:14px}
.testi-avatar{width:50px;height:50px;border-radius:50%;border:2px solid var(--gold);overflow:hidden;flex-shrink:0;background:linear-gradient(135deg,var(--navy),var(--navy-light));display:flex;align-items:center;justify-content:center}
.testi-avatar i{font-size:1.4rem;color:rgba(255,255,255,.6)}
.testi-name{font-size:.9rem;font-weight:700;color:var(--navy);margin-bottom:2px}
.testi-role{font-size:.75rem;color:var(--text-light)}
.testi-stars{display:flex;gap:3px;margin-bottom:6px}
.testi-stars i{font-size:.8rem;color:var(--gold)}
/* =============================================
   FAQ SECTION
============================================= */
#faq{background:linear-gradient(160deg,var(--navy) 0%,var(--navy-mid) 100%)}
#faq .section-title{color:var(--white)}
#faq .section-subtitle{color:rgba(255,255,255,.65);margin:0 auto}
.faq-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px;max-width:900px;margin:0 auto}
.faq-item{background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.1);border-radius:var(--radius-md);overflow:hidden;transition:var(--transition)}
.faq-item.open{border-color:rgba(201,162,39,.4);background:rgba(201,162,39,.06)}
.faq-q{display:flex;align-items:center;justify-content:space-between;padding:20px 24px;cursor:pointer;gap:16px}
.faq-q-text{font-size:.93rem;font-weight:600;color:var(--white)}
.faq-icon{width:30px;height:30px;border-radius:50%;background:rgba(255,255,255,.08);display:flex;align-items:center;justify-content:center;flex-shrink:0;transition:var(--transition)}
.faq-icon i{font-size:.75rem;color:var(--gold);transition:var(--transition)}
.faq-item.open .faq-icon{background:var(--gold)}
.faq-item.open .faq-icon i{color:var(--navy);transform:rotate(180deg)}
.faq-a{display:none;padding:0 24px 20px;font-size:.88rem;color:rgba(255,255,255,.6);line-height:1.75}
.faq-item.open .faq-a{display:block}
/* =============================================
   CONTACT SECTION
============================================= */
#contact{background:var(--off-white)}
.contact-grid{display:grid;grid-template-columns:1fr 1.6fr;gap:60px;align-items:start}
.contact-info{padding-right:20px}
.contact-info .section-tag{margin-bottom:16px}
.contact-info .section-title{margin-bottom:14px}
.contact-info .section-subtitle{margin-bottom:36px}
.contact-detail{display:flex;align-items:flex-start;gap:16px;margin-bottom:24px}
.contact-detail-icon{width:46px;height:46px;background:linear-gradient(135deg,var(--navy),var(--navy-light));border-radius:12px;display:flex;align-items:center;justify-content:center;flex-shrink:0}
.contact-detail-icon i{color:var(--gold);font-size:1rem}
.contact-detail-label{font-size:.75rem;font-weight:700;color:var(--text-light);text-transform:uppercase;letter-spacing:1px;margin-bottom:4px}
.contact-detail-val{font-size:.95rem;font-weight:600;color:var(--navy)}
.contact-form-wrap{background:var(--white);border-radius:var(--radius-lg);padding:48px;box-shadow:var(--shadow-md);border:1px solid var(--gray-200)}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin-bottom:20px}
.form-group{margin-bottom:20px}
.form-group:last-child{margin-bottom:0}
.form-label{display:block;font-size:.82rem;font-weight:600;color:var(--text-mid);margin-bottom:8px}
.form-input,.form-select,.form-textarea{width:100%;padding:13px 16px;border:1.5px solid var(--gray-200);border-radius:var(--radius-sm);font-size:.92rem;color:var(--text-dark);background:var(--off-white);transition:var(--transition)}
.form-input:focus,.form-select:focus,.form-textarea:focus{border-color:var(--gold);background:var(--white);box-shadow:0 0 0 3px rgba(201,162,39,.12)}
.form-textarea{resize:vertical;min-height:120px}
.form-select{appearance:none;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='%2364748B'%3E%3Cpath d='M7 10l5 5 5-5z'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 14px center;background-size:18px}
.form-success{display:none;text-align:center;padding:30px;background:rgba(16,185,129,.08);border:1px solid rgba(16,185,129,.3);border-radius:var(--radius-md)}
.form-success i{font-size:2.5rem;color:var(--success);margin-bottom:12px}
.form-success h4{font-size:1.1rem;font-weight:700;color:var(--navy);margin-bottom:8px}
.form-success p{font-size:.9rem;color:var(--text-light);line-height:1.6}
/* =============================================
   NEWSLETTER
============================================= */
#newsletter{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-mid) 100%);padding:80px 0}
.newsletter-inner{display:grid;grid-template-columns:1fr 1fr;gap:80px;align-items:center}
.newsletter-content .section-title{color:var(--white);margin-bottom:12px}
.newsletter-content .section-subtitle{color:rgba(255,255,255,.6)}
.newsletter-form-wrap{background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.12);border-radius:var(--radius-lg);padding:36px}
.nl-form-row{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-bottom:16px}
.nl-input{width:100%;padding:12px 16px;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.15);border-radius:var(--radius-sm);color:var(--white);font-size:.9rem;transition:var(--transition)}
.nl-input::placeholder{color:rgba(255,255,255,.4)}
.nl-input:focus{background:rgba(255,255,255,.12);border-color:var(--gold);box-shadow:0 0 0 3px rgba(201,162,39,.15)}
.nl-checkbox{display:flex;align-items:flex-start;gap:12px;margin-bottom:20px}
.nl-checkbox input{width:18px;height:18px;flex-shrink:0;margin-top:2px;accent-color:var(--gold)}
.nl-checkbox label{font-size:.85rem;color:rgba(255,255,255,.65);line-height:1.5}
.nl-success{display:none;text-align:center;padding:24px;background:rgba(16,185,129,.1);border:1px solid rgba(16,185,129,.3);border-radius:var(--radius-md);color:var(--white)}
.nl-success i{font-size:2rem;color:var(--success);margin-bottom:10px}
/* =============================================
   FOOTER
============================================= */
#footer{background:var(--navy);padding:80px 0 0;color:rgba(255,255,255,.7)}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1.5fr 1.5fr;gap:48px;margin-bottom:60px}
.footer-brand .logo{margin-bottom:18px}
.footer-brand p{font-size:.875rem;line-height:1.75;margin-bottom:24px;max-width:280px}
.social-links{display:flex;gap:10px}
.social-link{width:38px;height:38px;border-radius:10px;background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.12);display:flex;align-items:center;justify-content:center;transition:var(--transition)}
.social-link:hover{background:var(--gold);border-color:var(--gold)}
.social-link:hover i{color:var(--navy)}
.social-link i{font-size:.9rem;color:rgba(255,255,255,.7)}
.footer-col-title{font-size:.85rem;font-weight:700;color:var(--white);text-transform:uppercase;letter-spacing:1.5px;margin-bottom:20px}
.footer-links li{margin-bottom:10px}
.footer-links a{font-size:.875rem;color:rgba(255,255,255,.55);transition:var(--transition);display:flex;align-items:center;gap:8px}
.footer-links a:hover{color:var(--gold);padding-left:4px}
.footer-links a::before{content:'›';opacity:0;transition:var(--transition)}
.footer-links a:hover::before{opacity:1}
.footer-contact li{margin-bottom:14px;display:flex;align-items:flex-start;gap:12px;font-size:.875rem}
.footer-contact i{color:var(--gold);font-size:.9rem;margin-top:3px;flex-shrink:0}
.footer-bottom{border-top:1px solid rgba(255,255,255,.08);padding:24px 0;display:flex;align-items:center;justify-content:space-between;flex-wrap:wrap;gap:16px}
.footer-bottom p{font-size:.82rem;color:rgba(255,255,255,.4)}
.footer-bottom-links{display:flex;gap:20px}
.footer-bottom-links a{font-size:.82rem;color:rgba(255,255,255,.4);transition:var(--transition)}
.footer-bottom-links a:hover{color:var(--gold)}
/* =============================================
   MODAL (Privacy + Terms)
============================================= */
.modal-overlay{position:fixed;inset:0;background:rgba(0,0,0,.7);z-index:2000;display:none;align-items:center;justify-content:center;padding:20px}
.modal-overlay.open{display:flex}
.modal{background:var(--white);border-radius:var(--radius-lg);max-width:780px;width:100%;max-height:85vh;overflow:hidden;display:flex;flex-direction:column;box-shadow:0 40px 100px rgba(0,0,0,.4)}
.modal-header{padding:28px 36px 24px;border-bottom:1px solid var(--gray-200);display:flex;align-items:center;justify-content:space-between;flex-shrink:0;background:linear-gradient(135deg,var(--navy),var(--navy-light));color:var(--white)}
.modal-header h3{font-family:'Playfair Display',serif;font-size:1.5rem;font-weight:700}
.modal-close{width:36px;height:36px;border-radius:50%;background:rgba(255,255,255,.1);display:flex;align-items:center;justify-content:center;cursor:pointer;transition:var(--transition);color:var(--white)}
.modal-close:hover{background:rgba(255,255,255,.2)}
.modal-body{padding:36px;overflow-y:auto;font-size:.9rem;line-height:1.8;color:var(--text-mid)}
.modal-body h4{font-size:1rem;font-weight:700;color:var(--navy);margin:24px 0 10px}
.modal-body h4:first-child{margin-top:0}
.modal-body p{margin-bottom:14px}
.modal-body ul{padding-left:20px;margin-bottom:14px}
.modal-body ul li{list-style:disc;margin-bottom:6px}
/* =============================================
   SCROLL TO TOP
============================================= */
.scroll-top{position:fixed;bottom:30px;right:30px;width:46px;height:46px;background:linear-gradient(135deg,var(--gold),var(--gold-light));border-radius:50%;display:flex;align-items:center;justify-content:center;cursor:pointer;box-shadow:0 4px 20px rgba(201,162,39,.4);opacity:0;transform:translateY(20px);transition:var(--transition);z-index:999}
.scroll-top.visible{opacity:1;transform:translateY(0)}
.scroll-top i{color:var(--navy);font-size:.9rem}
.scroll-top:hover{transform:translateY(-4px);box-shadow:0 8px 28px rgba(201,162,39,.5)}
/* =============================================
   ANIMATIONS
============================================= */
@keyframes floatCard{0%,100%{transform:translateY(0)}50%{transform:translateY(-12px)}}
@keyframes floatShape{0%,100%{transform:translate(0,0) scale(1)}33%{transform:translate(15px,-10px) scale(1.05)}66%{transform:translate(-10px,15px) scale(.95)}}
@keyframes pulse{0%,100%{opacity:1}50%{opacity:.5}}
@keyframes fadeInUp{from{opacity:0;transform:translateY(30px)}to{opacity:1;transform:translateY(0)}}
@keyframes countUp{from{opacity:0}to{opacity:1}}
.animate-on-scroll{opacity:0;transform:translateY(30px);transition:opacity .7s ease,transform .7s ease}
.animate-on-scroll.animated{opacity:1;transform:translateY(0)}
/* =============================================
   RESPONSIVE
============================================= */
@media(max-width:1100px){
  .services-grid{grid-template-columns:repeat(3,1fr)}
  .footer-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:900px){
  .hero-grid{grid-template-columns:1fr;text-align:center;padding:60px 0}
  .hero-desc,.hero-ctas,.hero-stats{justify-content:center}
  .hero-stats{justify-content:center;gap:20px}
  .hero-visual{display:none}
  .about-grid{grid-template-columns:1fr;gap:40px}
  .about-visual{display:none}
  .why-grid{grid-template-columns:1fr 1fr}
  .testimonials-grid{grid-template-columns:1fr 1fr}
  .contact-grid{grid-template-columns:1fr}
  .newsletter-inner{grid-template-columns:1fr}
  .faq-grid{grid-template-columns:1fr}
  nav{display:none}
  .hamburger{display:flex}
  .header-cta .btn:not(.hamburger){display:none}
}
@media(max-width:680px){
  .section-pad{padding:64px 0}
  .services-grid{grid-template-columns:1fr 1fr}
  .why-grid{grid-template-columns:1fr}
  .testimonials-grid{grid-template-columns:1fr}
  .form-row{grid-template-columns:1fr}
  .nl-form-row{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr}
  .footer-bottom{flex-direction:column;text-align:center}
  .trust-inner{gap:24px}
  .trust-divider{display:none}
  .hero-stats{gap:16px}
}
@media(max-width:480px){
  .services-grid{grid-template-columns:1fr}
  .hero-ctas{flex-direction:column;align-items:center}
  .contact-form-wrap{padding:28px 20px}
  .newsletter-form-wrap{padding:24px 20px}
}